id	sid	tid	token	lemma	pos
fbem-26174	1	1	frontiers	frontier	NOUN
fbem-26174	1	2	in	in	ADP
fbem-26174	1	3	business	business	NOUN
fbem-26174	1	4	,	,	PUNCT
fbem-26174	1	5	economics	economic	NOUN
fbem-26174	1	6	and	and	CCONJ
fbem-26174	1	7	management	management	NOUN
fbem-26174	1	8	issn	issn	PROPN
fbem-26174	1	9	:	:	PUNCT
fbem-26174	1	10	2766	2766	NUM
fbem-26174	1	11	-	-	PUNCT
fbem-26174	1	12	824x	824x	NUM
fbem-26174	1	13	|	|	ADJ
fbem-26174	1	14	vol	vol	NOUN
fbem-26174	1	15	.	.	PUNCT
fbem-26174	2	1	16	16	NUM
fbem-26174	2	2	,	,	PUNCT
fbem-26174	2	3	no	no	INTJ
fbem-26174	2	4	.	.	NOUN
fbem-26174	2	5	3	3	NUM
fbem-26174	2	6	,	,	PUNCT
fbem-26174	2	7	2024	2024	NUM
fbem-26174	2	8	85	85	NUM
fbem-26174	2	9	risk	risk	NOUN
fbem-26174	2	10	challenges	challenge	NOUN
fbem-26174	2	11	and	and	CCONJ
fbem-26174	2	12	regulatory	regulatory	ADJ
fbem-26174	2	13	approaches	approach	NOUN
fbem-26174	2	14	in	in	ADP
fbem-26174	2	15	fintech	fintech	NOUN
fbem-26174	2	16	data	data	NOUN
fbem-26174	2	17	application	application	NOUN
fbem-26174	2	18	regulation	regulation	NOUN
fbem-26174	2	19	pengfei	pengfei	NOUN
fbem-26174	2	20	chen	chen	PROPN
fbem-26174	2	21	law	law	PROPN
fbem-26174	2	22	school	school	PROPN
fbem-26174	2	23	/	/	SYM
fbem-26174	2	24	institute	institute	PROPN
fbem-26174	2	25	of	of	ADP
fbem-26174	2	26	law	law	NOUN
fbem-26174	2	27	and	and	CCONJ
fbem-26174	2	28	public	public	ADJ
fbem-26174	2	29	policy	policy	NOUN
fbem-26174	2	30	,	,	PUNCT
fbem-26174	2	31	huazhong	huazhong	PROPN
fbem-26174	2	32	university	university	PROPN
fbem-26174	2	33	of	of	ADP
fbem-26174	2	34	science	science	NOUN
fbem-26174	2	35	and	and	CCONJ
fbem-26174	2	36	technology	technology	NOUN
fbem-26174	2	37	,	,	PUNCT
fbem-26174	2	38	china	china	PROPN
fbem-26174	2	39	abstract	abstract	PROPN
fbem-26174	2	40	:	:	PUNCT
fbem-26174	2	41	in	in	ADP
fbem-26174	2	42	the	the	DET
fbem-26174	2	43	era	era	NOUN
fbem-26174	2	44	of	of	ADP
fbem-26174	2	45	data	datum	NOUN
fbem-26174	2	46	capital	capital	NOUN
fbem-26174	2	47	,	,	PUNCT
fbem-26174	2	48	the	the	DET
fbem-26174	2	49	combination	combination	NOUN
fbem-26174	2	50	of	of	ADP
fbem-26174	2	51	the	the	DET
fbem-26174	2	52	traditional	traditional	ADJ
fbem-26174	2	53	financial	financial	ADJ
fbem-26174	2	54	sector	sector	NOUN
fbem-26174	2	55	and	and	CCONJ
fbem-26174	2	56	emerging	emerge	VERB
fbem-26174	2	57	technological	technological	ADJ
fbem-26174	2	58	forces	force	NOUN
fbem-26174	2	59	has	have	AUX
fbem-26174	2	60	forged	forge	VERB
fbem-26174	2	61	a	a	DET
fbem-26174	2	62	fintech	fintech	NOUN
fbem-26174	2	63	industry	industry	NOUN
fbem-26174	2	64	with	with	ADP
fbem-26174	2	65	great	great	ADJ
fbem-26174	2	66	potential	potential	NOUN
fbem-26174	2	67	.	.	PUNCT
fbem-26174	3	1	in	in	ADP
fbem-26174	3	2	the	the	DET
fbem-26174	3	3	process	process	NOUN
fbem-26174	3	4	of	of	ADP
fbem-26174	3	5	its	its	PRON
fbem-26174	3	6	prosperous	prosperous	ADJ
fbem-26174	3	7	development	development	NOUN
fbem-26174	3	8	,	,	PUNCT
fbem-26174	3	9	ethical	ethical	ADJ
fbem-26174	3	10	risks	risk	NOUN
fbem-26174	3	11	such	such	ADJ
fbem-26174	3	12	as	as	ADP
fbem-26174	3	13	data	datum	NOUN
fbem-26174	3	14	ethical	ethical	ADJ
fbem-26174	3	15	dilemma	dilemma	NOUN
fbem-26174	3	16	have	have	AUX
fbem-26174	3	17	arisen	arise	VERB
fbem-26174	3	18	,	,	PUNCT
fbem-26174	3	19	and	and	CCONJ
fbem-26174	3	20	legal	legal	ADJ
fbem-26174	3	21	problems	problem	NOUN
fbem-26174	3	22	such	such	ADJ
fbem-26174	3	23	as	as	ADP
fbem-26174	3	24	legislation	legislation	NOUN
fbem-26174	3	25	,	,	PUNCT
fbem-26174	3	26	law	law	NOUN
fbem-26174	3	27	enforcement	enforcement	NOUN
fbem-26174	3	28	,	,	PUNCT
fbem-26174	3	29	justice	justice	NOUN
fbem-26174	3	30	,	,	PUNCT
fbem-26174	3	31	and	and	CCONJ
fbem-26174	3	32	law	law	NOUN
fbem-26174	3	33	-	-	PUNCT
fbem-26174	3	34	abiding	abide	VERB
fbem-26174	3	35	have	have	AUX
fbem-26174	3	36	appeared.how	appeared.how	X
fbem-26174	3	37	to	to	PART
fbem-26174	3	38	solve	solve	VERB
fbem-26174	3	39	the	the	DET
fbem-26174	3	40	multi	multi	ADJ
fbem-26174	3	41	-	-	ADJ
fbem-26174	3	42	dimensional	dimensional	ADJ
fbem-26174	3	43	challenges	challenge	NOUN
fbem-26174	3	44	brought	bring	VERB
fbem-26174	3	45	about	about	ADP
fbem-26174	3	46	by	by	ADP
fbem-26174	3	47	ethical	ethical	ADJ
fbem-26174	3	48	and	and	CCONJ
fbem-26174	3	49	legal	legal	ADJ
fbem-26174	3	50	risks	risk	NOUN
fbem-26174	3	51	requires	require	VERB
fbem-26174	3	52	not	not	PART
fbem-26174	3	53	only	only	ADV
fbem-26174	3	54	the	the	DET
fbem-26174	3	55	participation	participation	NOUN
fbem-26174	3	56	of	of	ADP
fbem-26174	3	57	multi	multi	ADJ
fbem-26174	3	58	-	-	ADJ
fbem-26174	3	59	party	party	ADJ
fbem-26174	3	60	subjects	subject	NOUN
fbem-26174	3	61	to	to	PART
fbem-26174	3	62	formulate	formulate	VERB
fbem-26174	3	63	the	the	DET
fbem-26174	3	64	relevant	relevant	ADJ
fbem-26174	3	65	industry	industry	NOUN
fbem-26174	3	66	ethical	ethical	ADJ
fbem-26174	3	67	standards	standard	NOUN
fbem-26174	3	68	and	and	CCONJ
fbem-26174	3	69	legal	legal	ADJ
fbem-26174	3	70	system	system	NOUN
fbem-26174	3	71	,	,	PUNCT
fbem-26174	3	72	and	and	CCONJ
fbem-26174	3	73	to	to	PART
fbem-26174	3	74	strengthen	strengthen	VERB
fbem-26174	3	75	the	the	DET
fbem-26174	3	76	supervision	supervision	NOUN
fbem-26174	3	77	of	of	ADP
fbem-26174	3	78	relevant	relevant	ADJ
fbem-26174	3	79	ethical	ethical	ADJ
fbem-26174	3	80	and	and	CCONJ
fbem-26174	3	81	legal	legal	ADJ
fbem-26174	3	82	risks	risk	NOUN
fbem-26174	3	83	,	,	PUNCT
fbem-26174	3	84	but	but	CCONJ
fbem-26174	3	85	also	also	ADV
fbem-26174	3	86	the	the	DET
fbem-26174	3	87	deepening	deepening	NOUN
fbem-26174	3	88	of	of	ADP
fbem-26174	3	89	the	the	DET
fbem-26174	3	90	corresponding	corresponding	ADJ
fbem-26174	3	91	judicial	judicial	ADJ
fbem-26174	3	92	remedial	remedial	ADJ
fbem-26174	3	93	system	system	NOUN
fbem-26174	3	94	,	,	PUNCT
fbem-26174	3	95	and	and	CCONJ
fbem-26174	3	96	the	the	DET
fbem-26174	3	97	formation	formation	NOUN
fbem-26174	3	98	of	of	ADP
fbem-26174	3	99	a	a	DET
fbem-26174	3	100	good	good	ADJ
fbem-26174	3	101	and	and	CCONJ
fbem-26174	3	102	orderl	orderl	NOUN
fbem-26174	3	103	y	y	PROPN
fbem-26174	3	104	social	social	ADJ
fbem-26174	3	105	ethical	ethical	ADJ
fbem-26174	3	106	and	and	CCONJ
fbem-26174	3	107	moral	moral	ADJ
fbem-26174	3	108	atmosphere	atmosphere	NOUN
fbem-26174	3	109	and	and	CCONJ
fbem-26174	3	110	law-abiding.it	law-abiding.it	PRON
fbem-26174	3	111	is	be	AUX
fbem-26174	3	112	also	also	ADV
fbem-26174	3	113	necessary	necessary	ADJ
fbem-26174	3	114	to	to	PART
fbem-26174	3	115	deepen	deepen	VERB
fbem-26174	3	116	the	the	DET
fbem-26174	3	117	corresponding	corresponding	ADJ
fbem-26174	3	118	judicial	judicial	ADJ
fbem-26174	3	119	relief	relief	NOUN
fbem-26174	3	120	system	system	NOUN
fbem-26174	3	121	,	,	PUNCT
fbem-26174	3	122	so	so	SCONJ
fbem-26174	3	123	as	as	SCONJ
fbem-26174	3	124	to	to	PART
fbem-26174	3	125	form	form	VERB
fbem-26174	3	126	a	a	DET
fbem-26174	3	127	good	good	ADJ
fbem-26174	3	128	and	and	CCONJ
fbem-26174	3	129	orderly	orderly	ADJ
fbem-26174	3	130	social	social	ADJ
fbem-26174	3	131	ethical	ethical	ADJ
fbem-26174	3	132	and	and	CCONJ
fbem-26174	3	133	moral	moral	ADJ
fbem-26174	3	134	atmosphere	atmosphere	NOUN
fbem-26174	3	135	and	and	CCONJ
fbem-26174	3	136	law	law	NOUN
fbem-26174	3	137	-	-	PUNCT
fbem-26174	3	138	abiding	abide	VERB
fbem-26174	3	139	environment	environment	NOUN
fbem-26174	3	140	,	,	PUNCT
fbem-26174	3	141	and	and	CCONJ
fbem-26174	3	142	help	help	VERB
fbem-26174	3	143	the	the	DET
fbem-26174	3	144	healthy	healthy	ADJ
fbem-26174	3	145	development	development	NOUN
fbem-26174	3	146	of	of	ADP
fbem-26174	3	147	fintech	fintech	NOUN
fbem-26174	3	148	.	.	PUNCT
fbem-26174	4	1	keywords	keyword	NOUN
fbem-26174	4	2	:	:	PUNCT
fbem-26174	4	3	financial	financial	ADJ
fbem-26174	4	4	technology	technology	NOUN
fbem-26174	4	5	,	,	PUNCT
fbem-26174	4	6	ethical	ethical	ADJ
fbem-26174	4	7	risk	risk	NOUN
fbem-26174	4	8	,	,	PUNCT
fbem-26174	4	9	legal	legal	ADJ
fbem-26174	4	10	risk	risk	NOUN
fbem-26174	4	11	,	,	PUNCT
fbem-26174	4	12	regulatory	regulatory	ADJ
fbem-26174	4	13	guarantee	guarantee	NOUN
fbem-26174	4	14	.	.	PUNCT
fbem-26174	5	1	1	1	X
fbem-26174	5	2	.	.	X
fbem-26174	5	3	introduction	introduction	NOUN
fbem-26174	5	4	the	the	DET
fbem-26174	5	5	definition	definition	NOUN
fbem-26174	5	6	of	of	ADP
fbem-26174	5	7	financial	financial	ADJ
fbem-26174	5	8	technology	technology	NOUN
fbem-26174	5	9	(	(	PUNCT
fbem-26174	5	10	fintech	fintech	NOUN
fbem-26174	5	11	)	)	PUNCT
fbem-26174	5	12	is	be	AUX
fbem-26174	5	13	not	not	PART
fbem-26174	5	14	yet	yet	ADV
fbem-26174	5	15	uniform	uniform	ADJ
fbem-26174	5	16	internationally	internationally	ADV
fbem-26174	5	17	,	,	PUNCT
fbem-26174	5	18	with	with	ADP
fbem-26174	5	19	countries	country	NOUN
fbem-26174	5	20	and	and	CCONJ
fbem-26174	5	21	organisations	organisation	NOUN
fbem-26174	5	22	having	have	VERB
fbem-26174	5	23	their	their	PRON
fbem-26174	5	24	own	own	ADJ
fbem-26174	5	25	understanding	understanding	NOUN
fbem-26174	5	26	.	.	PUNCT
fbem-26174	6	1	the	the	DET
fbem-26174	6	2	financial	financial	ADJ
fbem-26174	6	3	stability	stability	PROPN
fbem-26174	6	4	board	board	NOUN
fbem-26174	6	5	(	(	PUNCT
fbem-26174	6	6	fsb	fsb	NOUN
fbem-26174	6	7	)	)	PUNCT
fbem-26174	6	8	defines	define	VERB
fbem-26174	6	9	it	it	PRON
fbem-26174	6	10	as	as	ADP
fbem-26174	6	11	the	the	DET
fbem-26174	6	12	innovative	innovative	ADJ
fbem-26174	6	13	application	application	NOUN
fbem-26174	6	14	of	of	ADP
fbem-26174	6	15	emerging	emerge	VERB
fbem-26174	6	16	technologies	technology	NOUN
fbem-26174	6	17	in	in	ADP
fbem-26174	6	18	financial	financial	ADJ
fbem-26174	6	19	products	product	NOUN
fbem-26174	6	20	and	and	CCONJ
fbem-26174	6	21	services	service	NOUN
fbem-26174	6	22	(	(	PUNCT
fbem-26174	6	23	lagarde	lagarde	PROPN
fbem-26174	6	24	,	,	PUNCT
fbem-26174	6	25	christine	christine	PROPN
fbem-26174	6	26	,	,	PUNCT
fbem-26174	6	27	2018	2018	NUM
fbem-26174	6	28	)	)	PUNCT
fbem-26174	6	29	.	.	PUNCT
fbem-26174	7	1	the	the	DET
fbem-26174	7	2	evolution	evolution	NOUN
fbem-26174	7	3	of	of	ADP
fbem-26174	7	4	fintech	fintech	NOUN
fbem-26174	7	5	can	can	AUX
fbem-26174	7	6	be	be	AUX
fbem-26174	7	7	broadly	broadly	ADV
fbem-26174	7	8	divided	divide	VERB
fbem-26174	7	9	into	into	ADP
fbem-26174	7	10	three	three	NUM
fbem-26174	7	11	stages	stage	NOUN
fbem-26174	7	12	:	:	PUNCT
fbem-26174	7	13	stage	stage	NOUN
fbem-26174	7	14	1.0	1.0	NUM
fbem-26174	7	15	is	be	AUX
fbem-26174	7	16	based	base	VERB
fbem-26174	7	17	on	on	ADP
fbem-26174	7	18	communication	communication	NOUN
fbem-26174	7	19	technologies	technology	NOUN
fbem-26174	7	20	,	,	PUNCT
fbem-26174	7	21	stage	stage	NOUN
fbem-26174	7	22	2.0	2.0	NUM
fbem-26174	7	23	realises	realise	VERB
fbem-26174	7	24	the	the	DET
fbem-26174	7	25	digitalisation	digitalisation	NOUN
fbem-26174	7	26	of	of	ADP
fbem-26174	7	27	finance	finance	NOUN
fbem-26174	7	28	,	,	PUNCT
fbem-26174	7	29	and	and	CCONJ
fbem-26174	7	30	stage	stage	NOUN
fbem-26174	7	31	3.0	3.0	NUM
fbem-26174	7	32	improves	improve	VERB
fbem-26174	7	33	the	the	DET
fbem-26174	7	34	efficiency	efficiency	NOUN
fbem-26174	7	35	of	of	ADP
fbem-26174	7	36	services	service	NOUN
fbem-26174	7	37	through	through	ADP
fbem-26174	7	38	big	big	ADJ
fbem-26174	7	39	data	datum	NOUN
fbem-26174	7	40	and	and	CCONJ
fbem-26174	7	41	cloud	cloud	NOUN
fbem-26174	7	42	computing	computing	NOUN
fbem-26174	7	43	(	(	PUNCT
fbem-26174	7	44	kukuh	kukuh	PROPN
fbem-26174	7	45	setiawan	setiawan	PROPN
fbem-26174	7	46	,	,	PUNCT
fbem-26174	7	47	nadia	nadia	PROPN
fbem-26174	7	48	maulisa	maulisa	PROPN
fbem-26174	7	49	,	,	PUNCT
fbem-26174	7	50	2020	2020	NUM
fbem-26174	7	51	)	)	PUNCT
fbem-26174	7	52	.	.	PUNCT
fbem-26174	8	1	this	this	DET
fbem-26174	8	2	evolution	evolution	NOUN
fbem-26174	8	3	marks	mark	VERB
fbem-26174	8	4	the	the	DET
fbem-26174	8	5	fact	fact	NOUN
fbem-26174	8	6	that	that	SCONJ
fbem-26174	8	7	mankind	mankind	NOUN
fbem-26174	8	8	is	be	AUX
fbem-26174	8	9	stepping	step	VERB
fbem-26174	8	10	into	into	ADP
fbem-26174	8	11	a	a	DET
fbem-26174	8	12	new	new	ADJ
fbem-26174	8	13	era	era	NOUN
fbem-26174	8	14	of	of	ADP
fbem-26174	8	15	digital	digital	ADJ
fbem-26174	8	16	civilisation	civilisation	NOUN
fbem-26174	8	17	.	.	PUNCT
fbem-26174	9	1	in	in	ADP
fbem-26174	9	2	recent	recent	ADJ
fbem-26174	9	3	years	year	NOUN
fbem-26174	9	4	,	,	PUNCT
fbem-26174	9	5	the	the	DET
fbem-26174	9	6	emergence	emergence	NOUN
fbem-26174	9	7	of	of	ADP
fbem-26174	9	8	new	new	ADJ
fbem-26174	9	9	concepts	concept	NOUN
fbem-26174	9	10	such	such	ADJ
fbem-26174	9	11	as	as	ADP
fbem-26174	9	12	internet	internet	NOUN
fbem-26174	9	13	finance	finance	NOUN
fbem-26174	9	14	has	have	AUX
fbem-26174	9	15	led	lead	VERB
fbem-26174	9	16	to	to	ADP
fbem-26174	9	17	the	the	DET
fbem-26174	9	18	generalisation	generalisation	NOUN
fbem-26174	9	19	of	of	ADP
fbem-26174	9	20	finance	finance	NOUN
fbem-26174	9	21	,	,	PUNCT
fbem-26174	9	22	posing	pose	VERB
fbem-26174	9	23	challenges	challenge	NOUN
fbem-26174	9	24	to	to	ADP
fbem-26174	9	25	regulation	regulation	NOUN
fbem-26174	9	26	and	and	CCONJ
fbem-26174	9	27	risk	risk	NOUN
fbem-26174	9	28	prevention	prevention	NOUN
fbem-26174	9	29	,	,	PUNCT
fbem-26174	9	30	and	and	CCONJ
fbem-26174	9	31	the	the	DET
fbem-26174	9	32	traditional	traditional	ADJ
fbem-26174	9	33	regulatory	regulatory	ADJ
fbem-26174	9	34	approach	approach	NOUN
fbem-26174	9	35	has	have	AUX
fbem-26174	9	36	been	be	AUX
fbem-26174	9	37	weak	weak	ADJ
fbem-26174	9	38	in	in	ADP
fbem-26174	9	39	dealing	deal	VERB
fbem-26174	9	40	with	with	ADP
fbem-26174	9	41	new	new	ADJ
fbem-26174	9	42	risks	risk	NOUN
fbem-26174	9	43	.	.	PUNCT
fbem-26174	10	1	therefore	therefore	ADV
fbem-26174	10	2	,	,	PUNCT
fbem-26174	10	3	there	there	PRON
fbem-26174	10	4	is	be	VERB
fbem-26174	10	5	a	a	DET
fbem-26174	10	6	need	need	NOUN
fbem-26174	10	7	to	to	PART
fbem-26174	10	8	break	break	VERB
fbem-26174	10	9	through	through	ADP
fbem-26174	10	10	the	the	DET
fbem-26174	10	11	traditional	traditional	ADJ
fbem-26174	10	12	regulatory	regulatory	ADJ
fbem-26174	10	13	dimension	dimension	NOUN
fbem-26174	10	14	,	,	PUNCT
fbem-26174	10	15	use	use	VERB
fbem-26174	10	16	technology	technology	NOUN
fbem-26174	10	17	to	to	PART
fbem-26174	10	18	solve	solve	VERB
fbem-26174	10	19	the	the	DET
fbem-26174	10	20	problem	problem	NOUN
fbem-26174	10	21	of	of	ADP
fbem-26174	10	22	regulatory	regulatory	ADJ
fbem-26174	10	23	risk	risk	NOUN
fbem-26174	10	24	,	,	PUNCT
fbem-26174	10	25	and	and	CCONJ
fbem-26174	10	26	encourage	encourage	VERB
fbem-26174	10	27	innovation	innovation	NOUN
fbem-26174	10	28	while	while	SCONJ
fbem-26174	10	29	controlling	control	VERB
fbem-26174	10	30	risks	risk	NOUN
fbem-26174	10	31	to	to	PART
fbem-26174	10	32	ensure	ensure	VERB
fbem-26174	10	33	the	the	DET
fbem-26174	10	34	healthy	healthy	ADJ
fbem-26174	10	35	and	and	CCONJ
fbem-26174	10	36	orderly	orderly	ADJ
fbem-26174	10	37	development	development	NOUN
fbem-26174	10	38	of	of	ADP
fbem-26174	10	39	fintech	fintech	NOUN
fbem-26174	10	40	(	(	PUNCT
fbem-26174	10	41	artie	artie	PROPN
fbem-26174	10	42	w.	w.	PROPN
fbem-26174	10	43	ng	ng	PROPN
fbem-26174	10	44	,	,	PUNCT
fbem-26174	10	45	benny	benny	PROPN
fbem-26174	10	46	k.b	k.b	PROPN
fbem-26174	10	47	.	.	PUNCT
fbem-26174	10	48	kwok	kwok	PROPN
fbem-26174	10	49	,	,	PUNCT
fbem-26174	10	50	2017	2017	NUM
fbem-26174	10	51	)	)	PUNCT
fbem-26174	10	52	.	.	PUNCT
fbem-26174	11	1	this	this	PRON
fbem-26174	11	2	is	be	AUX
fbem-26174	11	3	not	not	PART
fbem-26174	11	4	only	only	ADV
fbem-26174	11	5	a	a	DET
fbem-26174	11	6	reflection	reflection	NOUN
fbem-26174	11	7	of	of	ADP
fbem-26174	11	8	financial	financial	ADJ
fbem-26174	11	9	innovation	innovation	NOUN
fbem-26174	11	10	,	,	PUNCT
fbem-26174	11	11	but	but	CCONJ
fbem-26174	11	12	also	also	ADV
fbem-26174	11	13	an	an	DET
fbem-26174	11	14	important	important	ADJ
fbem-26174	11	15	trend	trend	NOUN
fbem-26174	11	16	in	in	ADP
fbem-26174	11	17	the	the	DET
fbem-26174	11	18	integration	integration	NOUN
fbem-26174	11	19	of	of	ADP
fbem-26174	11	20	financial	financial	ADJ
fbem-26174	11	21	and	and	CCONJ
fbem-26174	11	22	legal	legal	ADJ
fbem-26174	11	23	technology	technology	NOUN
fbem-26174	11	24	.	.	PUNCT
fbem-26174	12	1	2	2	X
fbem-26174	12	2	.	.	X
fbem-26174	12	3	basic	basic	ADJ
fbem-26174	12	4	characteristics	characteristic	NOUN
fbem-26174	12	5	of	of	ADP
fbem-26174	12	6	fintech	fintech	NOUN
fbem-26174	12	7	fintech	fintech	NOUN
fbem-26174	12	8	should	should	AUX
fbem-26174	12	9	have	have	VERB
fbem-26174	12	10	the	the	DET
fbem-26174	12	11	dual	dual	ADJ
fbem-26174	12	12	attributes	attribute	NOUN
fbem-26174	12	13	of	of	ADP
fbem-26174	12	14	finance	finance	NOUN
fbem-26174	12	15	and	and	CCONJ
fbem-26174	12	16	technology	technology	NOUN
fbem-26174	12	17	,	,	PUNCT
fbem-26174	12	18	and	and	CCONJ
fbem-26174	12	19	the	the	DET
fbem-26174	12	20	combination	combination	NOUN
fbem-26174	12	21	of	of	ADP
fbem-26174	12	22	multiple	multiple	ADJ
fbem-26174	12	23	elements	element	NOUN
fbem-26174	12	24	makes	make	VERB
fbem-26174	12	25	it	it	PRON
fbem-26174	12	26	have	have	VERB
fbem-26174	12	27	more	more	ADJ
fbem-26174	12	28	complex	complex	ADJ
fbem-26174	12	29	characteristics	characteristic	NOUN
fbem-26174	12	30	.	.	PUNCT
fbem-26174	13	1	in	in	ADP
fbem-26174	13	2	particular	particular	ADJ
fbem-26174	13	3	,	,	PUNCT
fbem-26174	13	4	it	it	PRON
fbem-26174	13	5	has	have	VERB
fbem-26174	13	6	the	the	DET
fbem-26174	13	7	following	following	ADJ
fbem-26174	13	8	basic	basic	ADJ
fbem-26174	13	9	characteristics	characteristic	NOUN
fbem-26174	13	10	.	.	PUNCT
fbem-26174	14	1	first	first	ADJ
fbem-26174	14	2	,	,	PUNCT
fbem-26174	14	3	digitalisation	digitalisation	NOUN
fbem-26174	14	4	.	.	PUNCT
fbem-26174	15	1	accompanied	accompany	VERB
fbem-26174	15	2	by	by	ADP
fbem-26174	15	3	the	the	DET
fbem-26174	15	4	development	development	NOUN
fbem-26174	15	5	of	of	ADP
fbem-26174	15	6	emerging	emerge	VERB
fbem-26174	15	7	technologies	technology	NOUN
fbem-26174	15	8	such	such	ADJ
fbem-26174	15	9	as	as	ADP
fbem-26174	15	10	big	big	ADJ
fbem-26174	15	11	data	datum	NOUN
fbem-26174	15	12	,	,	PUNCT
fbem-26174	15	13	artificial	artificial	ADJ
fbem-26174	15	14	intelligence	intelligence	NOUN
fbem-26174	15	15	and	and	CCONJ
fbem-26174	15	16	cloud	cloud	NOUN
fbem-26174	15	17	computing	computing	PROPN
fbem-26174	15	18	(	(	PUNCT
fbem-26174	15	19	allen	allen	PROPN
fbem-26174	15	20	,	,	PUNCT
fbem-26174	15	21	hilary	hilary	PROPN
fbem-26174	15	22	j	j	PROPN
fbem-26174	15	23	,	,	PUNCT
fbem-26174	15	24	2024	2024	NUM
fbem-26174	15	25	)	)	PUNCT
fbem-26174	15	26	,	,	PUNCT
fbem-26174	15	27	society	society	NOUN
fbem-26174	15	28	has	have	AUX
fbem-26174	15	29	entered	enter	VERB
fbem-26174	15	30	a	a	DET
fbem-26174	15	31	highly	highly	ADV
fbem-26174	15	32	digitalised	digitalised	ADJ
fbem-26174	15	33	era	era	NOUN
fbem-26174	15	34	consisting	consist	VERB
fbem-26174	15	35	of	of	ADP
fbem-26174	15	36	smartphones	smartphone	NOUN
fbem-26174	15	37	,	,	PUNCT
fbem-26174	15	38	computer	computer	NOUN
fbem-26174	15	39	terminals	terminal	NOUN
fbem-26174	15	40	and	and	CCONJ
fbem-26174	15	41	mobile	mobile	ADJ
fbem-26174	15	42	internet	internet	NOUN
fbem-26174	15	43	.	.	PUNCT
fbem-26174	16	1	the	the	DET
fbem-26174	16	2	wave	wave	NOUN
fbem-26174	16	3	of	of	ADP
fbem-26174	16	4	digitisation	digitisation	NOUN
fbem-26174	16	5	is	be	AUX
fbem-26174	16	6	impacting	impact	VERB
fbem-26174	16	7	and	and	CCONJ
fbem-26174	16	8	subverting	subvert	VERB
fbem-26174	16	9	the	the	DET
fbem-26174	16	10	traditional	traditional	ADJ
fbem-26174	16	11	financial	financial	ADJ
fbem-26174	16	12	sector	sector	NOUN
fbem-26174	16	13	in	in	ADP
fbem-26174	16	14	terms	term	NOUN
fbem-26174	16	15	of	of	ADP
fbem-26174	16	16	innovative	innovative	ADJ
fbem-26174	16	17	products	product	NOUN
fbem-26174	16	18	,	,	PUNCT
fbem-26174	16	19	service	service	NOUN
fbem-26174	16	20	models	model	NOUN
fbem-26174	16	21	and	and	CCONJ
fbem-26174	16	22	customer	customer	NOUN
fbem-26174	16	23	experience	experience	NOUN
fbem-26174	16	24	.	.	PUNCT
fbem-26174	17	1	traditional	traditional	ADJ
fbem-26174	17	2	financial	financial	ADJ
fbem-26174	17	3	institutions	institution	NOUN
fbem-26174	17	4	are	be	AUX
fbem-26174	17	5	responding	respond	VERB
fbem-26174	17	6	to	to	ADP
fbem-26174	17	7	the	the	DET
fbem-26174	17	8	rapid	rapid	ADJ
fbem-26174	17	9	development	development	NOUN
fbem-26174	17	10	of	of	ADP
fbem-26174	17	11	fintech	fintech	NOUN
fbem-26174	17	12	and	and	CCONJ
fbem-26174	17	13	the	the	DET
fbem-26174	17	14	trend	trend	NOUN
fbem-26174	17	15	of	of	ADP
fbem-26174	17	16	profound	profound	ADJ
fbem-26174	17	17	changes	change	NOUN
fbem-26174	17	18	in	in	ADP
fbem-26174	17	19	the	the	DET
fbem-26174	17	20	financial	financial	ADJ
fbem-26174	17	21	service	service	NOUN
fbem-26174	17	22	model	model	NOUN
fbem-26174	17	23	,	,	PUNCT
fbem-26174	17	24	and	and	CCONJ
fbem-26174	17	25	are	be	AUX
fbem-26174	17	26	taking	take	VERB
fbem-26174	17	27	digital	digital	ADJ
fbem-26174	17	28	transformation	transformation	NOUN
fbem-26174	17	29	as	as	ADP
fbem-26174	17	30	one	one	NUM
fbem-26174	17	31	of	of	ADP
fbem-26174	17	32	the	the	DET
fbem-26174	17	33	core	core	ADJ
fbem-26174	17	34	elements	element	NOUN
fbem-26174	17	35	of	of	ADP
fbem-26174	17	36	future	future	ADJ
fbem-26174	17	37	business	business	NOUN
fbem-26174	17	38	transformation	transformation	NOUN
fbem-26174	17	39	.	.	PUNCT
fbem-26174	18	1	therefore	therefore	ADV
fbem-26174	18	2	,	,	PUNCT
fbem-26174	18	3	the	the	DET
fbem-26174	18	4	development	development	NOUN
fbem-26174	18	5	of	of	ADP
fbem-26174	18	6	fintech	fintech	NOUN
fbem-26174	18	7	continues	continue	VERB
fbem-26174	18	8	to	to	PART
fbem-26174	18	9	empower	empower	VERB
fbem-26174	18	10	the	the	DET
fbem-26174	18	11	digital	digital	ADJ
fbem-26174	18	12	transformation	transformation	NOUN
fbem-26174	18	13	of	of	ADP
fbem-26174	18	14	finance	finance	NOUN
fbem-26174	18	15	and	and	CCONJ
fbem-26174	18	16	reshape	reshape	VERB
fbem-26174	18	17	the	the	DET
fbem-26174	18	18	digital	digital	ADJ
fbem-26174	18	19	future	future	NOUN
fbem-26174	18	20	.	.	PUNCT
fbem-26174	19	1	the	the	DET
fbem-26174	19	2	second	second	NOUN
fbem-26174	19	3	is	be	AUX
fbem-26174	19	4	networking	network	VERB
fbem-26174	19	5	.	.	PUNCT
fbem-26174	20	1	in	in	ADP
fbem-26174	20	2	order	order	NOUN
fbem-26174	20	3	to	to	PART
fbem-26174	20	4	meet	meet	VERB
fbem-26174	20	5	customer	customer	NOUN
fbem-26174	20	6	needs	need	NOUN
fbem-26174	20	7	,	,	PUNCT
fbem-26174	20	8	financial	financial	ADJ
fbem-26174	20	9	institutions	institution	NOUN
fbem-26174	20	10	provide	provide	VERB
fbem-26174	20	11	corresponding	correspond	VERB
fbem-26174	20	12	business	business	NOUN
fbem-26174	20	13	processes	process	NOUN
fbem-26174	20	14	and	and	CCONJ
fbem-26174	20	15	product	product	NOUN
fbem-26174	20	16	services	service	NOUN
fbem-26174	20	17	on	on	ADP
fbem-26174	20	18	the	the	DET
fbem-26174	20	19	network	network	NOUN
fbem-26174	20	20	by	by	ADP
fbem-26174	20	21	digital	digital	ADJ
fbem-26174	20	22	means	mean	NOUN
fbem-26174	20	23	as	as	ADV
fbem-26174	20	24	much	much	ADJ
fbem-26174	20	25	as	as	ADP
fbem-26174	20	26	possible	possible	ADJ
fbem-26174	20	27	,	,	PUNCT
fbem-26174	20	28	establish	establish	VERB
fbem-26174	20	29	a	a	DET
fbem-26174	20	30	closer	close	ADJ
fbem-26174	20	31	connection	connection	NOUN
fbem-26174	20	32	with	with	ADP
fbem-26174	20	33	customers	customer	NOUN
fbem-26174	20	34	through	through	ADP
fbem-26174	20	35	the	the	DET
fbem-26174	20	36	internet	internet	NOUN
fbem-26174	20	37	,	,	PUNCT
fbem-26174	20	38	and	and	CCONJ
fbem-26174	20	39	meet	meet	VERB
fbem-26174	20	40	the	the	DET
fbem-26174	20	41	diversified	diversify	VERB
fbem-26174	20	42	financial	financial	ADJ
fbem-26174	20	43	needs	need	NOUN
fbem-26174	20	44	of	of	ADP
fbem-26174	20	45	customers	customer	NOUN
fbem-26174	20	46	.	.	PUNCT
fbem-26174	21	1	the	the	DET
fbem-26174	21	2	development	development	NOUN
fbem-26174	21	3	of	of	ADP
fbem-26174	21	4	fintech	fintech	NOUN
fbem-26174	21	5	has	have	AUX
fbem-26174	21	6	redefined	redefine	VERB
fbem-26174	21	7	the	the	DET
fbem-26174	21	8	service	service	NOUN
fbem-26174	21	9	targets	target	NOUN
fbem-26174	21	10	and	and	CCONJ
fbem-26174	21	11	business	business	NOUN
fbem-26174	21	12	thinking	thinking	NOUN
fbem-26174	21	13	of	of	ADP
fbem-26174	21	14	financial	financial	ADJ
fbem-26174	21	15	institutions	institution	NOUN
fbem-26174	21	16	,	,	PUNCT
fbem-26174	21	17	making	make	VERB
fbem-26174	21	18	them	they	PRON
fbem-26174	21	19	pay	pay	VERB
fbem-26174	21	20	more	more	ADJ
fbem-26174	21	21	attention	attention	NOUN
fbem-26174	21	22	to	to	ADP
fbem-26174	21	23	serving	serve	VERB
fbem-26174	21	24	long	long	ADJ
fbem-26174	21	25	-	-	PUNCT
fbem-26174	21	26	tail	tail	NOUN
fbem-26174	21	27	customers	customer	NOUN
fbem-26174	21	28	and	and	CCONJ
fbem-26174	21	29	enhancing	enhance	VERB
fbem-26174	21	30	their	their	PRON
fbem-26174	21	31	ability	ability	NOUN
fbem-26174	21	32	to	to	PART
fbem-26174	21	33	attract	attract	VERB
fbem-26174	21	34	customers	customer	NOUN
fbem-26174	21	35	,	,	PUNCT
fbem-26174	21	36	thereby	thereby	ADV
fbem-26174	21	37	improving	improve	VERB
fbem-26174	21	38	customer	customer	NOUN
fbem-26174	21	39	experience	experience	NOUN
fbem-26174	21	40	.	.	PUNCT
fbem-26174	22	1	payments	payment	NOUN
fbem-26174	22	2	,	,	PUNCT
fbem-26174	22	3	loans	loan	NOUN
fbem-26174	22	4	and	and	CCONJ
fbem-26174	22	5	wealth	wealth	NOUN
fbem-26174	22	6	management	management	NOUN
fbem-26174	22	7	have	have	AUX
fbem-26174	22	8	been	be	AUX
fbem-26174	22	9	embedded	embed	VERB
fbem-26174	22	10	in	in	ADP
fbem-26174	22	11	customers	customer	NOUN
fbem-26174	22	12	'	'	PART
fbem-26174	22	13	lives	life	NOUN
fbem-26174	22	14	through	through	ADP
fbem-26174	22	15	mobile	mobile	ADJ
fbem-26174	22	16	terminals	terminal	NOUN
fbem-26174	22	17	such	such	ADJ
fbem-26174	22	18	as	as	ADP
fbem-26174	22	19	computers	computer	NOUN
fbem-26174	22	20	and	and	CCONJ
fbem-26174	22	21	mobile	mobile	ADJ
fbem-26174	22	22	phones	phone	NOUN
fbem-26174	22	23	.	.	PUNCT
fbem-26174	23	1	third	third	ADJ
fbem-26174	23	2	,	,	PUNCT
fbem-26174	23	3	inclusion	inclusion	NOUN
fbem-26174	23	4	.	.	PUNCT
fbem-26174	24	1	inclusive	inclusive	ADJ
fbem-26174	24	2	finance	finance	NOUN
fbem-26174	24	3	refers	refer	VERB
fbem-26174	24	4	to	to	ADP
fbem-26174	24	5	the	the	DET
fbem-26174	24	6	provision	provision	NOUN
fbem-26174	24	7	of	of	ADP
fbem-26174	24	8	appropriate	appropriate	ADJ
fbem-26174	24	9	and	and	CCONJ
fbem-26174	24	10	effective	effective	ADJ
fbem-26174	24	11	financial	financial	ADJ
fbem-26174	24	12	services	service	NOUN
fbem-26174	24	13	at	at	ADP
fbem-26174	24	14	affordable	affordable	ADJ
fbem-26174	24	15	costs	cost	NOUN
fbem-26174	24	16	to	to	ADP
fbem-26174	24	17	all	all	DET
fbem-26174	24	18	segments	segment	NOUN
fbem-26174	24	19	and	and	CCONJ
fbem-26174	24	20	groups	group	NOUN
fbem-26174	24	21	of	of	ADP
fbem-26174	24	22	society	society	NOUN
fbem-26174	24	23	with	with	ADP
fbem-26174	24	24	financial	financial	ADJ
fbem-26174	24	25	service	service	NOUN
fbem-26174	24	26	needs	need	VERB
fbem-26174	24	27	under	under	ADP
fbem-26174	24	28	the	the	DET
fbem-26174	24	29	premise	premise	NOUN
fbem-26174	24	30	of	of	ADP
fbem-26174	24	31	controllable	controllable	ADJ
fbem-26174	24	32	risks	risk	NOUN
fbem-26174	24	33	.	.	PUNCT
fbem-26174	25	1	as	as	ADP
fbem-26174	25	2	the	the	DET
fbem-26174	25	3	blood	blood	NOUN
fbem-26174	25	4	of	of	ADP
fbem-26174	25	5	the	the	DET
fbem-26174	25	6	digital	digital	ADJ
fbem-26174	25	7	economy	economy	NOUN
fbem-26174	25	8	,	,	PUNCT
fbem-26174	25	9	fintech	fintech	NOUN
fbem-26174	25	10	can	can	AUX
fbem-26174	25	11	reach	reach	VERB
fbem-26174	25	12	all	all	DET
fbem-26174	25	13	strata	strata	NOUN
fbem-26174	25	14	of	of	ADP
fbem-26174	25	15	society	society	NOUN
fbem-26174	25	16	,	,	PUNCT
fbem-26174	25	17	build	build	VERB
fbem-26174	25	18	a	a	DET
fbem-26174	25	19	new	new	ADJ
fbem-26174	25	20	digital	digital	ADJ
fbem-26174	25	21	financial	financial	ADJ
fbem-26174	25	22	service	service	NOUN
fbem-26174	25	23	system	system	NOUN
fbem-26174	25	24	and	and	CCONJ
fbem-26174	25	25	promote	promote	VERB
fbem-26174	25	26	financial	financial	ADJ
fbem-26174	25	27	inclusion	inclusion	NOUN
fbem-26174	25	28	.	.	PUNCT
fbem-26174	26	1	the	the	DET
fbem-26174	26	2	openness	openness	NOUN
fbem-26174	26	3	and	and	CCONJ
fbem-26174	26	4	inclusiveness	inclusiveness	NOUN
fbem-26174	26	5	embodied	embody	VERB
fbem-26174	26	6	in	in	ADP
fbem-26174	26	7	fintech	fintech	NOUN
fbem-26174	26	8	based	base	VERB
fbem-26174	26	9	on	on	ADP
fbem-26174	26	10	information	information	NOUN
fbem-26174	26	11	technology	technology	NOUN
fbem-26174	26	12	such	such	ADJ
fbem-26174	26	13	as	as	ADP
fbem-26174	26	14	the	the	DET
fbem-26174	26	15	internet	internet	NOUN
fbem-26174	26	16	and	and	CCONJ
fbem-26174	26	17	big	big	ADJ
fbem-26174	26	18	data	datum	NOUN
fbem-26174	26	19	has	have	AUX
fbem-26174	26	20	enhanced	enhance	VERB
fbem-26174	26	21	the	the	DET
fbem-26174	26	22	convenience	convenience	NOUN
fbem-26174	26	23	and	and	CCONJ
fbem-26174	26	24	security	security	NOUN
fbem-26174	26	25	of	of	ADP
fbem-26174	26	26	financial	financial	ADJ
fbem-26174	26	27	transactions	transaction	NOUN
fbem-26174	26	28	and	and	CCONJ
fbem-26174	26	29	provided	provide	VERB
fbem-26174	26	30	effective	effective	ADJ
fbem-26174	26	31	support	support	NOUN
fbem-26174	26	32	for	for	ADP
fbem-26174	26	33	the	the	DET
fbem-26174	26	34	development	development	NOUN
fbem-26174	26	35	of	of	ADP
fbem-26174	26	36	inclusive	inclusive	ADJ
fbem-26174	26	37	finance(yadav	finance(yadav	PROPN
fbem-26174	26	38	,	,	PUNCT
fbem-26174	26	39	yesha,2020	yesha,2020	NOUN
fbem-26174	26	40	)	)	PUNCT
fbem-26174	26	41	.	.	PUNCT
fbem-26174	27	1	for	for	ADP
fbem-26174	27	2	example	example	NOUN
fbem-26174	27	3	,	,	PUNCT
fbem-26174	27	4	mobile	mobile	ADJ
fbem-26174	27	5	payment	payment	NOUN
fbem-26174	27	6	provides	provide	VERB
fbem-26174	27	7	a	a	DET
fbem-26174	27	8	nontraditional	nontraditional	ADJ
fbem-26174	27	9	channel	channel	NOUN
fbem-26174	27	10	for	for	ADP
fbem-26174	27	11	low	low	ADJ
fbem-26174	27	12	-	-	PUNCT
fbem-26174	27	13	income	income	NOUN
fbem-26174	27	14	groups	group	NOUN
fbem-26174	27	15	in	in	ADP
fbem-26174	27	16	society	society	NOUN
fbem-26174	27	17	to	to	PART
fbem-26174	27	18	obtain	obtain	VERB
fbem-26174	27	19	financial	financial	ADJ
fbem-26174	27	20	services	service	NOUN
fbem-26174	27	21	,	,	PUNCT
fbem-26174	27	22	solving	solve	VERB
fbem-26174	27	23	the	the	DET
fbem-26174	27	24	problem	problem	NOUN
fbem-26174	27	25	of	of	ADP
fbem-26174	27	26	their	their	PRON
fbem-26174	27	27	most	most	ADV
fbem-26174	27	28	basic	basic	ADJ
fbem-26174	27	29	financial	financial	ADJ
fbem-26174	27	30	needs	need	NOUN
fbem-26174	27	31	.	.	PUNCT
fbem-26174	28	1	fourth	fourth	ADJ
fbem-26174	28	2	,	,	PUNCT
fbem-26174	28	3	sharing	sharing	NOUN
fbem-26174	28	4	.	.	PUNCT
fbem-26174	29	1	the	the	DET
fbem-26174	29	2	traditional	traditional	ADJ
fbem-26174	29	3	financial	financial	ADJ
fbem-26174	29	4	institutions	institution	NOUN
fbem-26174	29	5	'	'	PART
fbem-26174	29	6	operation	operation	NOUN
fbem-26174	29	7	mode	mode	NOUN
fbem-26174	29	8	is	be	AUX
fbem-26174	29	9	relatively	relatively	ADV
fbem-26174	29	10	solidified	solidify	VERB
fbem-26174	29	11	,	,	PUNCT
fbem-26174	29	12	with	with	ADP
fbem-26174	29	13	low	low	ADJ
fbem-26174	29	14	tolerance	tolerance	NOUN
fbem-26174	29	15	for	for	ADP
fbem-26174	29	16	risk	risk	NOUN
fbem-26174	29	17	,	,	PUNCT
fbem-26174	29	18	making	make	VERB
fbem-26174	29	19	it	it	PRON
fbem-26174	29	20	difficult	difficult	ADJ
fbem-26174	29	21	to	to	PART
fbem-26174	29	22	meet	meet	VERB
fbem-26174	29	23	the	the	DET
fbem-26174	29	24	diversified	diversify	VERB
fbem-26174	29	25	needs	need	NOUN
fbem-26174	29	26	of	of	ADP
fbem-26174	29	27	customers	customer	NOUN
fbem-26174	29	28	.	.	PUNCT
fbem-26174	30	1	with	with	ADP
fbem-26174	30	2	the	the	DET
fbem-26174	30	3	development	development	NOUN
fbem-26174	30	4	and	and	CCONJ
fbem-26174	30	5	popularisation	popularisation	NOUN
fbem-26174	30	6	of	of	ADP
fbem-26174	30	7	new	new	ADJ
fbem-26174	30	8	86	86	NUM
fbem-26174	30	9	generation	generation	NOUN
fbem-26174	30	10	information	information	NOUN
fbem-26174	30	11	technology	technology	NOUN
fbem-26174	30	12	,	,	PUNCT
fbem-26174	30	13	the	the	DET
fbem-26174	30	14	financial	financial	ADJ
fbem-26174	30	15	industry	industry	NOUN
fbem-26174	30	16	can	can	AUX
fbem-26174	30	17	make	make	VERB
fbem-26174	30	18	use	use	NOUN
fbem-26174	30	19	of	of	ADP
fbem-26174	30	20	modern	modern	ADJ
fbem-26174	30	21	information	information	NOUN
fbem-26174	30	22	technology	technology	NOUN
fbem-26174	30	23	to	to	PART
fbem-26174	30	24	collect	collect	VERB
fbem-26174	30	25	massive	massive	ADJ
fbem-26174	30	26	amounts	amount	NOUN
fbem-26174	30	27	of	of	ADP
fbem-26174	30	28	user	user	NOUN
fbem-26174	30	29	information	information	NOUN
fbem-26174	30	30	and	and	CCONJ
fbem-26174	30	31	realise	realise	VERB
fbem-26174	30	32	the	the	DET
fbem-26174	30	33	interconnection	interconnection	NOUN
fbem-26174	30	34	of	of	ADP
fbem-26174	30	35	financial	financial	ADJ
fbem-26174	30	36	transactions	transaction	NOUN
fbem-26174	30	37	,	,	PUNCT
fbem-26174	30	38	payments	payment	NOUN
fbem-26174	30	39	and	and	CCONJ
fbem-26174	30	40	clearing	clearing	NOUN
fbem-26174	30	41	.	.	PUNCT
fbem-26174	31	1	the	the	DET
fbem-26174	31	2	growth	growth	NOUN
fbem-26174	31	3	of	of	ADP
fbem-26174	31	4	the	the	DET
fbem-26174	31	5	internet	internet	NOUN
fbem-26174	31	6	-	-	PUNCT
fbem-26174	31	7	using	use	VERB
fbem-26174	31	8	population	population	NOUN
fbem-26174	31	9	has	have	AUX
fbem-26174	31	10	helped	help	VERB
fbem-26174	31	11	to	to	PART
fbem-26174	31	12	increase	increase	VERB
fbem-26174	31	13	consumers	consumer	NOUN
fbem-26174	31	14	'	'	PART
fbem-26174	31	15	willingness	willingness	NOUN
fbem-26174	31	16	and	and	CCONJ
fbem-26174	31	17	ability	ability	NOUN
fbem-26174	31	18	to	to	PART
fbem-26174	31	19	accept	accept	VERB
fbem-26174	31	20	technology	technology	NOUN
fbem-26174	31	21	.	.	PUNCT
fbem-26174	32	1	fintech	fintech	NOUN
fbem-26174	32	2	,	,	PUNCT
fbem-26174	32	3	through	through	ADP
fbem-26174	32	4	new	new	ADJ
fbem-26174	32	5	platforms	platform	NOUN
fbem-26174	32	6	,	,	PUNCT
fbem-26174	32	7	products	product	NOUN
fbem-26174	32	8	and	and	CCONJ
fbem-26174	32	9	services	service	NOUN
fbem-26174	32	10	and	and	CCONJ
fbem-26174	32	11	its	its	PRON
fbem-26174	32	12	network	network	NOUN
fbem-26174	32	13	diffusion	diffusion	NOUN
fbem-26174	32	14	effect	effect	NOUN
fbem-26174	32	15	,	,	PUNCT
fbem-26174	32	16	carries	carry	VERB
fbem-26174	32	17	out	out	ADP
fbem-26174	32	18	cross	cross	NOUN
fbem-26174	32	19	-	-	ADJ
fbem-26174	32	20	market	market	ADJ
fbem-26174	32	21	,	,	PUNCT
fbem-26174	32	22	cross	cross	NOUN
fbem-26174	32	23	-	-	NOUN
fbem-26174	32	24	industry	industry	ADJ
fbem-26174	32	25	and	and	CCONJ
fbem-26174	32	26	cross	cross	ADJ
fbem-26174	32	27	-	-	ADJ
fbem-26174	32	28	time	time	ADJ
fbem-26174	32	29	penetration	penetration	NOUN
fbem-26174	32	30	,	,	PUNCT
fbem-26174	32	31	in	in	ADP
fbem-26174	32	32	order	order	NOUN
fbem-26174	32	33	to	to	PART
fbem-26174	32	34	reduce	reduce	VERB
fbem-26174	32	35	transaction	transaction	NOUN
fbem-26174	32	36	costs	cost	NOUN
fbem-26174	32	37	and	and	CCONJ
fbem-26174	32	38	thus	thus	ADV
fbem-26174	32	39	promote	promote	VERB
fbem-26174	32	40	the	the	DET
fbem-26174	32	41	development	development	NOUN
fbem-26174	32	42	of	of	ADP
fbem-26174	32	43	the	the	DET
fbem-26174	32	44	sharing	sharing	NOUN
fbem-26174	32	45	economy	economy	NOUN
fbem-26174	32	46	.	.	PUNCT
fbem-26174	33	1	currently	currently	ADV
fbem-26174	33	2	,	,	PUNCT
fbem-26174	33	3	fintech	fintech	NOUN
fbem-26174	33	4	is	be	AUX
fbem-26174	33	5	reestablishing	reestablish	VERB
fbem-26174	33	6	and	and	CCONJ
fbem-26174	33	7	reshaping	reshape	VERB
fbem-26174	33	8	the	the	DET
fbem-26174	33	9	order	order	NOUN
fbem-26174	33	10	of	of	ADP
fbem-26174	33	11	the	the	DET
fbem-26174	33	12	financial	financial	ADJ
fbem-26174	33	13	market	market	NOUN
fbem-26174	33	14	,	,	PUNCT
fbem-26174	33	15	providing	provide	VERB
fbem-26174	33	16	a	a	DET
fbem-26174	33	17	strong	strong	ADJ
fbem-26174	33	18	supporting	support	VERB
fbem-26174	33	19	force	force	NOUN
fbem-26174	33	20	for	for	ADP
fbem-26174	33	21	the	the	DET
fbem-26174	33	22	sharing	sharing	NOUN
fbem-26174	33	23	of	of	ADP
fbem-26174	33	24	the	the	DET
fbem-26174	33	25	digital	digital	ADJ
fbem-26174	33	26	economy	economy	NOUN
fbem-26174	33	27	era	era	NOUN
fbem-26174	33	28	.	.	PUNCT
fbem-26174	34	1	fifth	fifth	ADJ
fbem-26174	34	2	,	,	PUNCT
fbem-26174	34	3	compliance	compliance	NOUN
fbem-26174	34	4	.	.	PUNCT
fbem-26174	35	1	the	the	DET
fbem-26174	35	2	application	application	NOUN
fbem-26174	35	3	of	of	ADP
fbem-26174	35	4	technologies	technology	NOUN
fbem-26174	35	5	such	such	ADJ
fbem-26174	35	6	as	as	ADP
fbem-26174	35	7	big	big	ADJ
fbem-26174	35	8	data	datum	NOUN
fbem-26174	35	9	,	,	PUNCT
fbem-26174	35	10	artificial	artificial	ADJ
fbem-26174	35	11	intelligence	intelligence	NOUN
fbem-26174	35	12	,	,	PUNCT
fbem-26174	35	13	blockchain	blockchain	NOUN
fbem-26174	35	14	and	and	CCONJ
fbem-26174	35	15	social	social	ADJ
fbem-26174	35	16	media	medium	NOUN
fbem-26174	35	17	has	have	AUX
fbem-26174	35	18	constructed	construct	VERB
fbem-26174	35	19	a	a	DET
fbem-26174	35	20	digital	digital	ADJ
fbem-26174	35	21	society	society	NOUN
fbem-26174	35	22	,	,	PUNCT
fbem-26174	35	23	providing	provide	VERB
fbem-26174	35	24	a	a	DET
fbem-26174	35	25	foundation	foundation	NOUN
fbem-26174	35	26	for	for	ADP
fbem-26174	35	27	data	data	NOUN
fbem-26174	35	28	aggregation	aggregation	NOUN
fbem-26174	35	29	and	and	CCONJ
fbem-26174	35	30	information	information	NOUN
fbem-26174	35	31	dispersion	dispersion	NOUN
fbem-26174	35	32	.	.	PUNCT
fbem-26174	36	1	the	the	DET
fbem-26174	36	2	development	development	NOUN
fbem-26174	36	3	of	of	ADP
fbem-26174	36	4	information	information	NOUN
fbem-26174	36	5	technology	technology	NOUN
fbem-26174	36	6	,	,	PUNCT
fbem-26174	36	7	such	such	ADJ
fbem-26174	36	8	as	as	ADP
fbem-26174	36	9	cloud	cloud	NOUN
fbem-26174	36	10	computing	computing	NOUN
fbem-26174	36	11	and	and	CCONJ
fbem-26174	36	12	search	search	NOUN
fbem-26174	36	13	engines	engine	NOUN
fbem-26174	36	14	,	,	PUNCT
fbem-26174	36	15	facilitates	facilitate	VERB
fbem-26174	36	16	the	the	DET
fbem-26174	36	17	aggregation	aggregation	NOUN
fbem-26174	36	18	,	,	PUNCT
fbem-26174	36	19	dissemination	dissemination	NOUN
fbem-26174	36	20	and	and	CCONJ
fbem-26174	36	21	use	use	NOUN
fbem-26174	36	22	of	of	ADP
fbem-26174	36	23	relevant	relevant	ADJ
fbem-26174	36	24	information	information	NOUN
fbem-26174	36	25	,	,	PUNCT
fbem-26174	36	26	which	which	PRON
fbem-26174	36	27	helps	help	VERB
fbem-26174	36	28	to	to	PART
fbem-26174	36	29	form	form	VERB
fbem-26174	36	30	a	a	DET
fbem-26174	36	31	reputation	reputation	NOUN
fbem-26174	36	32	evaluation	evaluation	NOUN
fbem-26174	36	33	mechanism	mechanism	NOUN
fbem-26174	36	34	for	for	ADP
fbem-26174	36	35	those	those	PRON
fbem-26174	36	36	in	in	ADP
fbem-26174	36	37	need	need	NOUN
fbem-26174	36	38	of	of	ADP
fbem-26174	36	39	funds	fund	NOUN
fbem-26174	36	40	,	,	PUNCT
fbem-26174	36	41	and	and	CCONJ
fbem-26174	36	42	to	to	ADP
fbem-26174	36	43	a	a	DET
fbem-26174	36	44	certain	certain	ADJ
fbem-26174	36	45	extent	extent	NOUN
fbem-26174	36	46	,	,	PUNCT
fbem-26174	36	47	helps	help	VERB
fbem-26174	36	48	borrowers	borrower	NOUN
fbem-26174	36	49	or	or	CCONJ
fbem-26174	36	50	other	other	ADJ
fbem-26174	36	51	information	information	NOUN
fbem-26174	36	52	users	user	NOUN
fbem-26174	36	53	to	to	PART
fbem-26174	36	54	detect	detect	VERB
fbem-26174	36	55	potential	potential	ADJ
fbem-26174	36	56	fraud	fraud	NOUN
fbem-26174	36	57	,	,	PUNCT
fbem-26174	36	58	and	and	CCONJ
fbem-26174	36	59	form	form	VERB
fbem-26174	36	60	a	a	DET
fbem-26174	36	61	corresponding	correspond	VERB
fbem-26174	36	62	supervision	supervision	NOUN
fbem-26174	36	63	and	and	CCONJ
fbem-26174	36	64	credit	credit	NOUN
fbem-26174	36	65	collection	collection	NOUN
fbem-26174	36	66	mechanism	mechanism	NOUN
fbem-26174	36	67	,	,	PUNCT
fbem-26174	36	68	thus	thus	ADV
fbem-26174	36	69	facilitating	facilitate	VERB
fbem-26174	36	70	the	the	DET
fbem-26174	36	71	development	development	NOUN
fbem-26174	36	72	of	of	ADP
fbem-26174	36	73	compliance	compliance	NOUN
fbem-26174	36	74	in	in	ADP
fbem-26174	36	75	the	the	DET
fbem-26174	36	76	financial	financial	ADJ
fbem-26174	36	77	industry	industry	NOUN
fbem-26174	36	78	.	.	PUNCT
fbem-26174	37	1	3	3	X
fbem-26174	37	2	.	.	X
fbem-26174	37	3	legal	legal	ADJ
fbem-26174	37	4	risk	risk	NOUN
fbem-26174	37	5	challenges	challenge	NOUN
fbem-26174	37	6	of	of	ADP
fbem-26174	37	7	fintech	fintech	NOUN
fbem-26174	37	8	the	the	DET
fbem-26174	37	9	legal	legal	ADJ
fbem-26174	37	10	risk	risk	NOUN
fbem-26174	37	11	of	of	ADP
fbem-26174	37	12	financial	financial	ADJ
fbem-26174	37	13	science	science	NOUN
fbem-26174	37	14	and	and	CCONJ
fbem-26174	37	15	technology	technology	NOUN
fbem-26174	37	16	refers	refer	VERB
fbem-26174	37	17	to	to	ADP
fbem-26174	37	18	the	the	DET
fbem-26174	37	19	possibility	possibility	NOUN
fbem-26174	37	20	that	that	SCONJ
fbem-26174	37	21	financial	financial	ADJ
fbem-26174	37	22	science	science	NOUN
fbem-26174	37	23	and	and	CCONJ
fbem-26174	37	24	technology	technology	NOUN
fbem-26174	37	25	may	may	AUX
fbem-26174	37	26	appear	appear	VERB
fbem-26174	37	27	in	in	ADP
fbem-26174	37	28	the	the	DET
fbem-26174	37	29	process	process	NOUN
fbem-26174	37	30	of	of	ADP
fbem-26174	37	31	innovation	innovation	NOUN
fbem-26174	37	32	and	and	CCONJ
fbem-26174	37	33	development	development	NOUN
fbem-26174	37	34	to	to	PART
fbem-26174	37	35	endanger	endanger	VERB
fbem-26174	37	36	the	the	DET
fbem-26174	37	37	interests	interest	NOUN
fbem-26174	37	38	of	of	ADP
fbem-26174	37	39	society	society	NOUN
fbem-26174	37	40	and	and	CCONJ
fbem-26174	37	41	violate	violate	VERB
fbem-26174	37	42	the	the	DET
fbem-26174	37	43	provisions	provision	NOUN
fbem-26174	37	44	of	of	ADP
fbem-26174	37	45	the	the	DET
fbem-26174	37	46	law	law	NOUN
fbem-26174	37	47	,	,	PUNCT
fbem-26174	37	48	thus	thus	ADV
fbem-26174	37	49	causing	cause	VERB
fbem-26174	37	50	the	the	DET
fbem-26174	37	51	national	national	ADJ
fbem-26174	37	52	legislature	legislature	NOUN
fbem-26174	37	53	and	and	CCONJ
fbem-26174	37	54	law	law	NOUN
fbem-26174	37	55	enforcement	enforcement	NOUN
fbem-26174	37	56	agencies	agency	NOUN
fbem-26174	37	57	to	to	PART
fbem-26174	37	58	rapidly	rapidly	ADV
fbem-26174	37	59	adjust	adjust	VERB
fbem-26174	37	60	and	and	CCONJ
fbem-26174	37	61	govern	govern	VERB
fbem-26174	37	62	.	.	PUNCT
fbem-26174	38	1	at	at	ADP
fbem-26174	38	2	present	present	ADJ
fbem-26174	38	3	,	,	PUNCT
fbem-26174	38	4	fund	fund	NOUN
fbem-26174	38	5	-	-	PUNCT
fbem-26174	38	6	raising	raise	VERB
fbem-26174	38	7	fraud	fraud	NOUN
fbem-26174	38	8	,	,	PUNCT
fbem-26174	38	9	pyramid	pyramid	NOUN
fbem-26174	38	10	schemes	scheme	NOUN
fbem-26174	38	11	and	and	CCONJ
fbem-26174	38	12	other	other	ADJ
fbem-26174	38	13	illegal	illegal	ADJ
fbem-26174	38	14	and	and	CCONJ
fbem-26174	38	15	criminal	criminal	ADJ
fbem-26174	38	16	behaviours	behaviour	NOUN
fbem-26174	38	17	under	under	ADP
fbem-26174	38	18	the	the	DET
fbem-26174	38	19	cloak	cloak	NOUN
fbem-26174	38	20	of	of	ADP
fbem-26174	38	21	traditional	traditional	ADJ
fbem-26174	38	22	finance	finance	NOUN
fbem-26174	38	23	have	have	AUX
fbem-26174	38	24	become	become	VERB
fbem-26174	38	25	more	more	ADV
fbem-26174	38	26	rampant	rampant	ADJ
fbem-26174	38	27	with	with	ADP
fbem-26174	38	28	the	the	DET
fbem-26174	38	29	development	development	NOUN
fbem-26174	38	30	of	of	ADP
fbem-26174	38	31	the	the	DET
fbem-26174	38	32	internet	internet	NOUN
fbem-26174	38	33	and	and	CCONJ
fbem-26174	38	34	mobile	mobile	ADJ
fbem-26174	38	35	phone	phone	NOUN
fbem-26174	38	36	apps	app	NOUN
fbem-26174	38	37	,	,	PUNCT
fbem-26174	38	38	and	and	CCONJ
fbem-26174	38	39	the	the	DET
fbem-26174	38	40	luring	lure	VERB
fbem-26174	38	41	methods	method	NOUN
fbem-26174	38	42	under	under	ADP
fbem-26174	38	43	the	the	DET
fbem-26174	38	44	packaging	packaging	NOUN
fbem-26174	38	45	of	of	ADP
fbem-26174	38	46	new	new	ADJ
fbem-26174	38	47	technology	technology	NOUN
fbem-26174	38	48	are	be	AUX
fbem-26174	38	49	even	even	ADV
fbem-26174	38	50	more	more	ADV
fbem-26174	38	51	defensible	defensible	ADJ
fbem-26174	38	52	,	,	PUNCT
fbem-26174	38	53	and	and	CCONJ
fbem-26174	38	54	the	the	DET
fbem-26174	38	55	development	development	NOUN
fbem-26174	38	56	of	of	ADP
fbem-26174	38	57	financial	financial	ADJ
fbem-26174	38	58	kryptonite	kryptonite	PROPN
fbem-26174	38	59	has	have	AUX
fbem-26174	38	60	also	also	ADV
fbem-26174	38	61	led	lead	VERB
fbem-26174	38	62	to	to	ADP
fbem-26174	38	63	an	an	DET
fbem-26174	38	64	increasing	increase	VERB
fbem-26174	38	65	legal	legal	ADJ
fbem-26174	38	66	risk	risk	NOUN
fbem-26174	38	67	.	.	PUNCT
fbem-26174	39	1	specifically	specifically	ADV
fbem-26174	39	2	,	,	PUNCT
fbem-26174	39	3	financial	financial	ADJ
fbem-26174	39	4	science	science	NOUN
fbem-26174	39	5	and	and	CCONJ
fbem-26174	39	6	technology	technology	NOUN
fbem-26174	39	7	as	as	ADP
fbem-26174	39	8	a	a	DET
fbem-26174	39	9	new	new	ADJ
fbem-26174	39	10	thing	thing	NOUN
fbem-26174	39	11	,	,	PUNCT
fbem-26174	39	12	in	in	ADP
fbem-26174	39	13	the	the	DET
fbem-26174	39	14	process	process	NOUN
fbem-26174	39	15	of	of	ADP
fbem-26174	39	16	its	its	PRON
fbem-26174	39	17	development	development	NOUN
fbem-26174	39	18	of	of	ADP
fbem-26174	39	19	the	the	DET
fbem-26174	39	20	accompanying	accompanying	ADJ
fbem-26174	39	21	legal	legal	ADJ
fbem-26174	39	22	regulation	regulation	NOUN
fbem-26174	39	23	has	have	VERB
fbem-26174	39	24	a	a	DET
fbem-26174	39	25	relative	relative	ADJ
fbem-26174	39	26	lag	lag	NOUN
fbem-26174	39	27	,	,	PUNCT
fbem-26174	39	28	for	for	ADP
fbem-26174	39	29	the	the	DET
fbem-26174	39	30	legal	legal	ADJ
fbem-26174	39	31	protection	protection	NOUN
fbem-26174	39	32	of	of	ADP
fbem-26174	39	33	the	the	DET
fbem-26174	39	34	field	field	NOUN
fbem-26174	39	35	of	of	ADP
fbem-26174	39	36	legal	legal	ADJ
fbem-26174	39	37	protection	protection	NOUN
fbem-26174	39	38	has	have	AUX
fbem-26174	39	39	increased	increase	VERB
fbem-26174	39	40	the	the	DET
fbem-26174	39	41	corresponding	corresponding	ADJ
fbem-26174	39	42	legal	legal	ADJ
fbem-26174	39	43	risk	risk	NOUN
fbem-26174	39	44	.	.	PUNCT
fbem-26174	40	1	the	the	DET
fbem-26174	40	2	legal	legal	ADJ
fbem-26174	40	3	risks	risk	NOUN
fbem-26174	40	4	of	of	ADP
fbem-26174	40	5	fintech	fintech	NOUN
fbem-26174	40	6	can	can	AUX
fbem-26174	40	7	be	be	AUX
fbem-26174	40	8	subdivided	subdivide	VERB
fbem-26174	40	9	into	into	ADP
fbem-26174	40	10	legislative	legislative	ADJ
fbem-26174	40	11	risk	risk	NOUN
fbem-26174	40	12	,	,	PUNCT
fbem-26174	40	13	law	law	NOUN
fbem-26174	40	14	enforcement	enforcement	NOUN
fbem-26174	40	15	risk	risk	NOUN
fbem-26174	40	16	,	,	PUNCT
fbem-26174	40	17	judicial	judicial	ADJ
fbem-26174	40	18	risk	risk	NOUN
fbem-26174	40	19	and	and	CCONJ
fbem-26174	40	20	compliance	compliance	NOUN
fbem-26174	40	21	risk	risk	NOUN
fbem-26174	40	22	from	from	ADP
fbem-26174	40	23	the	the	DET
fbem-26174	40	24	point	point	NOUN
fbem-26174	40	25	of	of	ADP
fbem-26174	40	26	view	view	NOUN
fbem-26174	40	27	of	of	ADP
fbem-26174	40	28	categories	category	NOUN
fbem-26174	40	29	.	.	PUNCT
fbem-26174	41	1	3.1	3.1	NUM
fbem-26174	41	2	.	.	PUNCT
fbem-26174	41	3	legislative	legislative	ADJ
fbem-26174	41	4	risk	risk	NOUN
fbem-26174	41	5	challenges	challenge	VERB
fbem-26174	41	6	china	china	PROPN
fbem-26174	41	7	's	's	PART
fbem-26174	41	8	current	current	ADJ
fbem-26174	41	9	legislation	legislation	NOUN
fbem-26174	41	10	on	on	ADP
fbem-26174	41	11	fintech	fintech	NOUN
fbem-26174	41	12	is	be	AUX
fbem-26174	41	13	insufficient	insufficient	ADJ
fbem-26174	41	14	,	,	PUNCT
fbem-26174	41	15	first	first	ADV
fbem-26174	41	16	of	of	ADP
fbem-26174	41	17	all	all	PRON
fbem-26174	41	18	,	,	PUNCT
fbem-26174	41	19	the	the	DET
fbem-26174	41	20	number	number	NOUN
fbem-26174	41	21	of	of	ADP
fbem-26174	41	22	legislations	legislation	NOUN
fbem-26174	41	23	is	be	AUX
fbem-26174	41	24	relatively	relatively	ADV
fbem-26174	41	25	small	small	ADJ
fbem-26174	41	26	,	,	PUNCT
fbem-26174	41	27	the	the	DET
fbem-26174	41	28	current	current	ADJ
fbem-26174	41	29	specialised	specialised	ADJ
fbem-26174	41	30	legislation	legislation	NOUN
fbem-26174	41	31	on	on	ADP
fbem-26174	41	32	fintech	fintech	NOUN
fbem-26174	41	33	is	be	AUX
fbem-26174	41	34	relatively	relatively	ADV
fbem-26174	41	35	lacking	lacking	ADJ
fbem-26174	41	36	,	,	PUNCT
fbem-26174	41	37	and	and	CCONJ
fbem-26174	41	38	the	the	DET
fbem-26174	41	39	current	current	ADJ
fbem-26174	41	40	law	law	NOUN
fbem-26174	41	41	is	be	AUX
fbem-26174	41	42	due	due	ADJ
fbem-26174	41	43	to	to	ADP
fbem-26174	41	44	its	its	PRON
fbem-26174	41	45	lag	lag	NOUN
fbem-26174	41	46	in	in	ADP
fbem-26174	41	47	dealing	deal	VERB
fbem-26174	41	48	with	with	ADP
fbem-26174	41	49	fintech	fintech	NOUN
fbem-26174	41	50	,	,	PUNCT
fbem-26174	41	51	there	there	PRON
fbem-26174	41	52	are	be	VERB
fbem-26174	41	53	some	some	DET
fbem-26174	41	54	loopholes	loophole	NOUN
fbem-26174	41	55	in	in	ADP
fbem-26174	41	56	the	the	DET
fbem-26174	41	57	financial	financial	ADJ
fbem-26174	41	58	science	science	NOUN
fbem-26174	41	59	and	and	CCONJ
fbem-26174	41	60	technology	technology	NOUN
fbem-26174	41	61	,	,	PUNCT
fbem-26174	41	62	unable	unable	ADJ
fbem-26174	41	63	to	to	PART
fbem-26174	41	64	meet	meet	VERB
fbem-26174	41	65	the	the	DET
fbem-26174	41	66	needs	need	NOUN
fbem-26174	41	67	of	of	ADP
fbem-26174	41	68	the	the	DET
fbem-26174	41	69	financial	financial	ADJ
fbem-26174	41	70	science	science	NOUN
fbem-26174	41	71	and	and	CCONJ
fbem-26174	41	72	technology	technology	NOUN
fbem-26174	41	73	in	in	ADP
fbem-26174	41	74	the	the	DET
fbem-26174	41	75	field	field	NOUN
fbem-26174	41	76	of	of	ADP
fbem-26174	41	77	legal	legal	ADJ
fbem-26174	41	78	remedies	remedy	NOUN
fbem-26174	41	79	(	(	PUNCT
fbem-26174	41	80	guild	guild	NOUN
fbem-26174	41	81	,	,	PUNCT
fbem-26174	41	82	james	james	PROPN
fbem-26174	41	83	,	,	PUNCT
fbem-26174	41	84	2017	2017	NUM
fbem-26174	41	85	)	)	PUNCT
fbem-26174	41	86	.	.	PUNCT
fbem-26174	42	1	secondly	secondly	ADV
fbem-26174	42	2	,	,	PUNCT
fbem-26174	42	3	the	the	DET
fbem-26174	42	4	legislative	legislative	ADJ
fbem-26174	42	5	level	level	NOUN
fbem-26174	42	6	is	be	AUX
fbem-26174	42	7	low	low	ADJ
fbem-26174	42	8	,	,	PUNCT
fbem-26174	42	9	today	today	NOUN
fbem-26174	42	10	's	's	PART
fbem-26174	42	11	legislation	legislation	NOUN
fbem-26174	42	12	on	on	ADP
fbem-26174	42	13	fintech	fintech	NOUN
fbem-26174	42	14	is	be	AUX
fbem-26174	42	15	mostly	mostly	ADV
fbem-26174	42	16	departmental	departmental	ADJ
fbem-26174	42	17	regulations	regulation	NOUN
fbem-26174	42	18	or	or	CCONJ
fbem-26174	42	19	policy	policy	NOUN
fbem-26174	42	20	provisions	provision	NOUN
fbem-26174	42	21	,	,	PUNCT
fbem-26174	42	22	its	its	PRON
fbem-26174	42	23	legal	legal	ADJ
fbem-26174	42	24	status	status	NOUN
fbem-26174	42	25	is	be	AUX
fbem-26174	42	26	low	low	ADJ
fbem-26174	42	27	,	,	PUNCT
fbem-26174	42	28	it	it	PRON
fbem-26174	42	29	is	be	AUX
fbem-26174	42	30	difficult	difficult	ADJ
fbem-26174	42	31	to	to	PART
fbem-26174	42	32	set	set	VERB
fbem-26174	42	33	up	up	ADP
fbem-26174	42	34	a	a	DET
fbem-26174	42	35	standard	standard	NOUN
fbem-26174	42	36	of	of	ADP
fbem-26174	42	37	legal	legal	ADJ
fbem-26174	42	38	regulation	regulation	NOUN
fbem-26174	42	39	in	in	ADP
fbem-26174	42	40	the	the	DET
fbem-26174	42	41	field	field	NOUN
fbem-26174	42	42	of	of	ADP
fbem-26174	42	43	complex	complex	ADJ
fbem-26174	42	44	fintech	fintech	NOUN
fbem-26174	42	45	.	.	PUNCT
fbem-26174	43	1	in	in	ADP
fbem-26174	43	2	addition	addition	NOUN
fbem-26174	43	3	,	,	PUNCT
fbem-26174	43	4	there	there	PRON
fbem-26174	43	5	is	be	VERB
fbem-26174	43	6	a	a	DET
fbem-26174	43	7	lack	lack	NOUN
fbem-26174	43	8	of	of	ADP
fbem-26174	43	9	clear	clear	ADJ
fbem-26174	43	10	and	and	CCONJ
fbem-26174	43	11	detailed	detailed	ADJ
fbem-26174	43	12	legal	legal	ADJ
fbem-26174	43	13	normative	normative	ADJ
fbem-26174	43	14	constraints	constraint	NOUN
fbem-26174	43	15	.	.	PUNCT
fbem-26174	44	1	there	there	PRON
fbem-26174	44	2	is	be	VERB
fbem-26174	44	3	a	a	DET
fbem-26174	44	4	lack	lack	NOUN
fbem-26174	44	5	of	of	ADP
fbem-26174	44	6	basic	basic	ADJ
fbem-26174	44	7	legislation	legislation	NOUN
fbem-26174	44	8	on	on	ADP
fbem-26174	44	9	the	the	DET
fbem-26174	44	10	protection	protection	NOUN
fbem-26174	44	11	of	of	ADP
fbem-26174	44	12	financial	financial	ADJ
fbem-26174	44	13	users	user	NOUN
fbem-26174	44	14	'	'	PART
fbem-26174	44	15	rights	right	NOUN
fbem-26174	44	16	and	and	CCONJ
fbem-26174	44	17	interests	interest	NOUN
fbem-26174	44	18	and	and	CCONJ
fbem-26174	44	19	fintech	fintech	NOUN
fbem-26174	44	20	,	,	PUNCT
fbem-26174	44	21	and	and	CCONJ
fbem-26174	44	22	the	the	DET
fbem-26174	44	23	laws	law	NOUN
fbem-26174	44	24	and	and	CCONJ
fbem-26174	44	25	regulations	regulation	NOUN
fbem-26174	44	26	on	on	ADP
fbem-26174	44	27	data	datum	NOUN
fbem-26174	44	28	and	and	CCONJ
fbem-26174	44	29	information	information	NOUN
fbem-26174	44	30	protection	protection	NOUN
fbem-26174	44	31	need	need	VERB
fbem-26174	44	32	to	to	PART
fbem-26174	44	33	be	be	AUX
fbem-26174	44	34	further	far	ADV
fbem-26174	44	35	improved	improve	VERB
fbem-26174	44	36	.	.	PUNCT
fbem-26174	45	1	once	once	SCONJ
fbem-26174	45	2	the	the	DET
fbem-26174	45	3	data	data	NOUN
fbem-26174	45	4	is	be	AUX
fbem-26174	45	5	leaked	leak	VERB
fbem-26174	45	6	,	,	PUNCT
fbem-26174	45	7	not	not	PART
fbem-26174	45	8	only	only	ADV
fbem-26174	45	9	the	the	DET
fbem-26174	45	10	information	information	NOUN
fbem-26174	45	11	and	and	CCONJ
fbem-26174	45	12	property	property	NOUN
fbem-26174	45	13	rights	right	NOUN
fbem-26174	45	14	and	and	CCONJ
fbem-26174	45	15	interests	interest	NOUN
fbem-26174	45	16	of	of	ADP
fbem-26174	45	17	fintech	fintech	NOUN
fbem-26174	45	18	consumer	consumer	NOUN
fbem-26174	45	19	subjects	subject	NOUN
fbem-26174	45	20	are	be	AUX
fbem-26174	45	21	infringed	infringe	VERB
fbem-26174	45	22	upon	upon	SCONJ
fbem-26174	45	23	,	,	PUNCT
fbem-26174	45	24	but	but	CCONJ
fbem-26174	45	25	also	also	ADV
fbem-26174	45	26	the	the	DET
fbem-26174	45	27	financial	financial	ADJ
fbem-26174	45	28	rights	right	NOUN
fbem-26174	45	29	and	and	CCONJ
fbem-26174	45	30	interests	interest	NOUN
fbem-26174	45	31	of	of	ADP
fbem-26174	45	32	the	the	DET
fbem-26174	45	33	relevant	relevant	ADJ
fbem-26174	45	34	users	user	NOUN
fbem-26174	45	35	can	can	AUX
fbem-26174	45	36	not	not	PART
fbem-26174	45	37	be	be	AUX
fbem-26174	45	38	protected	protect	VERB
fbem-26174	45	39	,	,	PUNCT
fbem-26174	45	40	and	and	CCONJ
fbem-26174	45	41	there	there	PRON
fbem-26174	45	42	is	be	VERB
fbem-26174	45	43	some	some	DET
fbem-26174	45	44	difficulty	difficulty	NOUN
fbem-26174	45	45	in	in	ADP
fbem-26174	45	46	convicting	convict	VERB
fbem-26174	45	47	and	and	CCONJ
fbem-26174	45	48	sentencing	sentence	VERB
fbem-26174	45	49	network	network	NOUN
fbem-26174	45	50	financial	financial	PROPN
fbem-26174	45	51	fraud	fraud	NOUN
fbem-26174	45	52	and	and	CCONJ
fbem-26174	45	53	other	other	ADJ
fbem-26174	45	54	related	related	ADJ
fbem-26174	45	55	offences	offence	NOUN
fbem-26174	45	56	.	.	PUNCT
fbem-26174	46	1	at	at	ADP
fbem-26174	46	2	the	the	DET
fbem-26174	46	3	same	same	ADJ
fbem-26174	46	4	time	time	NOUN
fbem-26174	46	5	,	,	PUNCT
fbem-26174	46	6	with	with	ADP
fbem-26174	46	7	the	the	DET
fbem-26174	46	8	rapid	rapid	ADJ
fbem-26174	46	9	development	development	NOUN
fbem-26174	46	10	of	of	ADP
fbem-26174	46	11	the	the	DET
fbem-26174	46	12	fintech	fintech	NOUN
fbem-26174	46	13	industry	industry	NOUN
fbem-26174	46	14	,	,	PUNCT
fbem-26174	46	15	its	its	PRON
fbem-26174	46	16	business	business	NOUN
fbem-26174	46	17	gradually	gradually	ADV
fbem-26174	46	18	penetrates	penetrate	VERB
fbem-26174	46	19	into	into	ADP
fbem-26174	46	20	various	various	ADJ
fbem-26174	46	21	fields	field	NOUN
fbem-26174	46	22	,	,	PUNCT
fbem-26174	46	23	cross	cross	ADJ
fbem-26174	46	24	-	-	ADJ
fbem-26174	46	25	border	border	ADJ
fbem-26174	46	26	financial	financial	ADJ
fbem-26174	46	27	business	business	NOUN
fbem-26174	46	28	involves	involve	VERB
fbem-26174	46	29	a	a	DET
fbem-26174	46	30	number	number	NOUN
fbem-26174	46	31	of	of	ADP
fbem-26174	46	32	subsidiaries	subsidiary	NOUN
fbem-26174	46	33	and	and	CCONJ
fbem-26174	46	34	departments	department	NOUN
fbem-26174	46	35	,	,	PUNCT
fbem-26174	46	36	the	the	DET
fbem-26174	46	37	integrated	integrate	VERB
fbem-26174	46	38	operation	operation	NOUN
fbem-26174	46	39	is	be	AUX
fbem-26174	46	40	more	more	ADV
fbem-26174	46	41	complex	complex	ADJ
fbem-26174	46	42	,	,	PUNCT
fbem-26174	46	43	which	which	PRON
fbem-26174	46	44	increases	increase	VERB
fbem-26174	46	45	the	the	DET
fbem-26174	46	46	difficulty	difficulty	NOUN
fbem-26174	46	47	of	of	ADP
fbem-26174	46	48	the	the	DET
fbem-26174	46	49	relevant	relevant	ADJ
fbem-26174	46	50	lawmaking	lawmaking	NOUN
fbem-26174	46	51	.	.	PUNCT
fbem-26174	47	1	3.2	3.2	NUM
fbem-26174	47	2	.	.	PUNCT
fbem-26174	48	1	challenges	challenge	NOUN
fbem-26174	48	2	of	of	ADP
fbem-26174	48	3	law	law	NOUN
fbem-26174	48	4	enforcement	enforcement	NOUN
fbem-26174	48	5	risks	risk	NOUN
fbem-26174	48	6	at	at	ADP
fbem-26174	48	7	present	present	ADJ
fbem-26174	48	8	,	,	PUNCT
fbem-26174	48	9	the	the	DET
fbem-26174	48	10	lack	lack	NOUN
fbem-26174	48	11	of	of	ADP
fbem-26174	48	12	special	special	ADJ
fbem-26174	48	13	legislative	legislative	ADJ
fbem-26174	48	14	provisions	provision	NOUN
fbem-26174	48	15	for	for	ADP
fbem-26174	48	16	the	the	DET
fbem-26174	48	17	law	law	NOUN
fbem-26174	48	18	enforcement	enforcement	NOUN
fbem-26174	48	19	and	and	CCONJ
fbem-26174	48	20	supervision	supervision	NOUN
fbem-26174	48	21	of	of	ADP
fbem-26174	48	22	fintech	fintech	NOUN
fbem-26174	48	23	in	in	ADP
fbem-26174	48	24	china	china	PROPN
fbem-26174	48	25	has	have	AUX
fbem-26174	48	26	led	lead	VERB
fbem-26174	48	27	to	to	ADP
fbem-26174	48	28	the	the	DET
fbem-26174	48	29	lack	lack	NOUN
fbem-26174	48	30	of	of	ADP
fbem-26174	48	31	corresponding	correspond	VERB
fbem-26174	48	32	legal	legal	ADJ
fbem-26174	48	33	guidance	guidance	NOUN
fbem-26174	48	34	for	for	ADP
fbem-26174	48	35	the	the	DET
fbem-26174	48	36	relevant	relevant	ADJ
fbem-26174	48	37	regulatory	regulatory	ADJ
fbem-26174	48	38	authorities	authority	NOUN
fbem-26174	48	39	in	in	ADP
fbem-26174	48	40	the	the	DET
fbem-26174	48	41	law	law	NOUN
fbem-26174	48	42	enforcement	enforcement	NOUN
fbem-26174	48	43	of	of	ADP
fbem-26174	48	44	fintech	fintech	NOUN
fbem-26174	48	45	,	,	PUNCT
fbem-26174	48	46	and	and	CCONJ
fbem-26174	48	47	has	have	AUX
fbem-26174	48	48	not	not	PART
fbem-26174	48	49	yet	yet	ADV
fbem-26174	48	50	formed	form	VERB
fbem-26174	48	51	a	a	DET
fbem-26174	48	52	unified	unified	ADJ
fbem-26174	48	53	standard	standard	ADJ
fbem-26174	48	54	law	law	NOUN
fbem-26174	48	55	enforcement	enforcement	NOUN
fbem-26174	48	56	norm	norm	NOUN
fbem-26174	48	57	,	,	PUNCT
fbem-26174	48	58	which	which	PRON
fbem-26174	48	59	has	have	AUX
fbem-26174	48	60	increased	increase	VERB
fbem-26174	48	61	the	the	DET
fbem-26174	48	62	risk	risk	NOUN
fbem-26174	48	63	of	of	ADP
fbem-26174	48	64	law	law	NOUN
fbem-26174	48	65	enforcement	enforcement	NOUN
fbem-26174	48	66	in	in	ADP
fbem-26174	48	67	the	the	DET
fbem-26174	48	68	field	field	NOUN
fbem-26174	48	69	of	of	ADP
fbem-26174	48	70	fintech	fintech	NOUN
fbem-26174	48	71	.	.	PUNCT
fbem-26174	49	1	at	at	ADP
fbem-26174	49	2	the	the	DET
fbem-26174	49	3	same	same	ADJ
fbem-26174	49	4	time	time	NOUN
fbem-26174	49	5	,	,	PUNCT
fbem-26174	49	6	due	due	ADP
fbem-26174	49	7	to	to	ADP
fbem-26174	49	8	the	the	DET
fbem-26174	49	9	long	long	ADJ
fbem-26174	49	10	-	-	PUNCT
fbem-26174	49	11	term	term	NOUN
fbem-26174	49	12	implementation	implementation	NOUN
fbem-26174	49	13	of	of	ADP
fbem-26174	49	14	china	china	PROPN
fbem-26174	49	15	's	's	PART
fbem-26174	49	16	industry	industry	NOUN
fbem-26174	49	17	-	-	PUNCT
fbem-26174	49	18	specific	specific	ADJ
fbem-26174	49	19	regulation	regulation	NOUN
fbem-26174	49	20	,	,	PUNCT
fbem-26174	49	21	each	each	DET
fbem-26174	49	22	department	department	NOUN
fbem-26174	49	23	has	have	VERB
fbem-26174	49	24	the	the	DET
fbem-26174	49	25	right	right	NOUN
fbem-26174	49	26	to	to	PART
fbem-26174	49	27	supervise	supervise	VERB
fbem-26174	49	28	and	and	CCONJ
fbem-26174	49	29	enforce	enforce	VERB
fbem-26174	49	30	fintech	fintech	NOUN
fbem-26174	49	31	,	,	PUNCT
fbem-26174	49	32	but	but	CCONJ
fbem-26174	49	33	because	because	SCONJ
fbem-26174	49	34	of	of	ADP
fbem-26174	49	35	its	its	PRON
fbem-26174	49	36	different	different	ADJ
fbem-26174	49	37	sub	sub	NOUN
fbem-26174	49	38	-	-	NOUN
fbem-26174	49	39	divisions	division	NOUN
fbem-26174	49	40	,	,	PUNCT
fbem-26174	49	41	in	in	ADP
fbem-26174	49	42	the	the	DET
fbem-26174	49	43	face	face	NOUN
fbem-26174	49	44	of	of	ADP
fbem-26174	49	45	cross	cross	ADJ
fbem-26174	49	46	-	-	ADJ
fbem-26174	49	47	cutting	cutting	ADJ
fbem-26174	49	48	areas	area	NOUN
fbem-26174	49	49	of	of	ADP
fbem-26174	49	50	regulation	regulation	NOUN
fbem-26174	49	51	of	of	ADP
fbem-26174	49	52	fintech	fintech	NOUN
fbem-26174	49	53	,	,	PUNCT
fbem-26174	49	54	it	it	PRON
fbem-26174	49	55	is	be	AUX
fbem-26174	49	56	often	often	ADV
fbem-26174	49	57	difficult	difficult	ADJ
fbem-26174	49	58	for	for	SCONJ
fbem-26174	49	59	departments	department	NOUN
fbem-26174	49	60	to	to	PART
fbem-26174	49	61	regulate	regulate	VERB
fbem-26174	49	62	the	the	DET
fbem-26174	49	63	regulatory	regulatory	ADJ
fbem-26174	49	64	ineffectiveness	ineffectiveness	NOUN
fbem-26174	49	65	of	of	ADP
fbem-26174	49	66	shirking	shirk	VERB
fbem-26174	49	67	responsibilities	responsibility	NOUN
fbem-26174	49	68	.	.	PUNCT
fbem-26174	50	1	at	at	ADP
fbem-26174	50	2	present	present	ADJ
fbem-26174	50	3	,	,	PUNCT
fbem-26174	50	4	due	due	ADP
fbem-26174	50	5	to	to	ADP
fbem-26174	50	6	deep	deep	ADJ
fbem-26174	50	7	-	-	PUNCT
fbem-26174	50	8	rooted	root	VERB
fbem-26174	50	9	reasons	reason	NOUN
fbem-26174	50	10	such	such	ADJ
fbem-26174	50	11	as	as	ADP
fbem-26174	50	12	institutional	institutional	ADJ
fbem-26174	50	13	mechanisms	mechanism	NOUN
fbem-26174	50	14	,	,	PUNCT
fbem-26174	50	15	china	china	PROPN
fbem-26174	50	16	's	's	PART
fbem-26174	50	17	sectoral	sectoral	ADJ
fbem-26174	50	18	regulatory	regulatory	ADJ
fbem-26174	50	19	system	system	NOUN
fbem-26174	50	20	is	be	AUX
fbem-26174	50	21	extremely	extremely	ADV
fbem-26174	50	22	unsuitable	unsuitable	ADJ
fbem-26174	50	23	for	for	ADP
fbem-26174	50	24	the	the	DET
fbem-26174	50	25	development	development	NOUN
fbem-26174	50	26	trend	trend	NOUN
fbem-26174	50	27	of	of	ADP
fbem-26174	50	28	mixed	mixed	ADJ
fbem-26174	50	29	business	business	NOUN
fbem-26174	50	30	operation	operation	NOUN
fbem-26174	50	31	.	.	PUNCT
fbem-26174	51	1	specifically	specifically	ADV
fbem-26174	51	2	,	,	PUNCT
fbem-26174	51	3	china	china	PROPN
fbem-26174	51	4	's	's	PART
fbem-26174	51	5	regulatory	regulatory	ADJ
fbem-26174	51	6	authorities	authority	NOUN
fbem-26174	51	7	are	be	AUX
fbem-26174	51	8	affected	affect	VERB
fbem-26174	51	9	by	by	ADP
fbem-26174	51	10	the	the	DET
fbem-26174	51	11	planned	plan	VERB
fbem-26174	51	12	economy	economy	NOUN
fbem-26174	51	13	thinking	thinking	NOUN
fbem-26174	51	14	,	,	PUNCT
fbem-26174	51	15	‘	'	PUNCT
fbem-26174	51	16	emphasis	emphasis	NOUN
fbem-26174	51	17	on	on	ADP
fbem-26174	51	18	development	development	NOUN
fbem-26174	51	19	,	,	PUNCT
fbem-26174	51	20	light	light	ADJ
fbem-26174	51	21	supervision	supervision	NOUN
fbem-26174	51	22	’	'	PUNCT
fbem-26174	51	23	,	,	PUNCT
fbem-26174	51	24	triggering	trigger	VERB
fbem-26174	51	25	market	market	NOUN
fbem-26174	51	26	segmentation	segmentation	NOUN
fbem-26174	51	27	,	,	PUNCT
fbem-26174	51	28	regulatory	regulatory	ADJ
fbem-26174	51	29	arbitrage	arbitrage	NOUN
fbem-26174	51	30	and	and	CCONJ
fbem-26174	51	31	other	other	ADJ
fbem-26174	51	32	phenomena	phenomenon	NOUN
fbem-26174	51	33	,	,	PUNCT
fbem-26174	51	34	has	have	AUX
fbem-26174	51	35	affected	affect	VERB
fbem-26174	51	36	the	the	DET
fbem-26174	51	37	order	order	NOUN
fbem-26174	51	38	of	of	ADP
fbem-26174	51	39	the	the	DET
fbem-26174	51	40	financial	financial	ADJ
fbem-26174	51	41	market	market	NOUN
fbem-26174	51	42	and	and	CCONJ
fbem-26174	51	43	the	the	DET
fbem-26174	51	44	efficiency	efficiency	NOUN
fbem-26174	51	45	of	of	ADP
fbem-26174	51	46	resource	resource	NOUN
fbem-26174	51	47	allocation	allocation	NOUN
fbem-26174	51	48	.	.	PUNCT
fbem-26174	52	1	at	at	ADP
fbem-26174	52	2	the	the	DET
fbem-26174	52	3	same	same	ADJ
fbem-26174	52	4	time	time	NOUN
fbem-26174	52	5	,	,	PUNCT
fbem-26174	52	6	the	the	DET
fbem-26174	52	7	lack	lack	NOUN
fbem-26174	52	8	of	of	ADP
fbem-26174	52	9	uniform	uniform	ADJ
fbem-26174	52	10	regulation	regulation	NOUN
fbem-26174	52	11	of	of	ADP
fbem-26174	52	12	the	the	DET
fbem-26174	52	13	same	same	ADJ
fbem-26174	52	14	financial	financial	ADJ
fbem-26174	52	15	products	product	NOUN
fbem-26174	52	16	under	under	ADP
fbem-26174	52	17	the	the	DET
fbem-26174	52	18	premise	premise	NOUN
fbem-26174	52	19	of	of	ADP
fbem-26174	52	20	regulatory	regulatory	ADJ
fbem-26174	52	21	competition	competition	NOUN
fbem-26174	52	22	,	,	PUNCT
fbem-26174	52	23	easy	easy	ADJ
fbem-26174	52	24	to	to	PART
fbem-26174	52	25	evolve	evolve	VERB
fbem-26174	52	26	into	into	ADP
fbem-26174	52	27	a	a	DET
fbem-26174	52	28	race	race	NOUN
fbem-26174	52	29	to	to	PART
fbem-26174	52	30	lower	lower	VERB
fbem-26174	52	31	regulatory	regulatory	ADJ
fbem-26174	52	32	standards	standard	NOUN
fbem-26174	52	33	,	,	PUNCT
fbem-26174	52	34	leading	lead	VERB
fbem-26174	52	35	to	to	ADP
fbem-26174	52	36	the	the	DET
fbem-26174	52	37	phenomenon	phenomenon	NOUN
fbem-26174	52	38	of	of	ADP
fbem-26174	52	39	‘	'	PUNCT
fbem-26174	52	40	bad	bad	ADJ
fbem-26174	52	41	money	money	NOUN
fbem-26174	52	42	driving	drive	VERB
fbem-26174	52	43	out	out	ADP
fbem-26174	52	44	good	good	ADJ
fbem-26174	52	45	money	money	NOUN
fbem-26174	52	46	’	'	PUNCT
fbem-26174	52	47	,	,	PUNCT
fbem-26174	52	48	undermining	undermine	VERB
fbem-26174	52	49	the	the	DET
fbem-26174	52	50	effectiveness	effectiveness	NOUN
fbem-26174	52	51	of	of	ADP
fbem-26174	52	52	regulation	regulation	NOUN
fbem-26174	52	53	and	and	CCONJ
fbem-26174	52	54	financial	financial	ADJ
fbem-26174	52	55	stability	stability	NOUN
fbem-26174	52	56	,	,	PUNCT
fbem-26174	52	57	and	and	CCONJ
fbem-26174	52	58	prone	prone	ADJ
fbem-26174	52	59	to	to	ADP
fbem-26174	52	60	regulatory	regulatory	ADJ
fbem-26174	52	61	arbitrage	arbitrage	NOUN
fbem-26174	52	62	between	between	ADP
fbem-26174	52	63	different	different	ADJ
fbem-26174	52	64	industries	industry	NOUN
fbem-26174	52	65	.	.	PUNCT
fbem-26174	53	1	although	although	SCONJ
fbem-26174	53	2	china	china	PROPN
fbem-26174	53	3	has	have	AUX
fbem-26174	53	4	promulgated	promulgate	VERB
fbem-26174	53	5	a	a	DET
fbem-26174	53	6	series	series	NOUN
fbem-26174	53	7	of	of	ADP
fbem-26174	53	8	regulatory	regulatory	ADJ
fbem-26174	53	9	systems	system	NOUN
fbem-26174	53	10	and	and	CCONJ
fbem-26174	53	11	set	set	VERB
fbem-26174	53	12	up	up	ADP
fbem-26174	53	13	‘	'	PUNCT
fbem-26174	53	14	one	one	NUM
fbem-26174	53	15	committee	committee	NOUN
fbem-26174	53	16	,	,	PUNCT
fbem-26174	53	17	one	one	NUM
fbem-26174	53	18	line	line	NOUN
fbem-26174	53	19	,	,	PUNCT
fbem-26174	53	20	two	two	NUM
fbem-26174	53	21	chambers	chamber	NOUN
fbem-26174	53	22	and	and	CCONJ
fbem-26174	53	23	other	other	ADJ
fbem-26174	53	24	regulatory	regulatory	ADJ
fbem-26174	53	25	bodies	body	NOUN
fbem-26174	53	26	in	in	ADP
fbem-26174	53	27	recent	recent	ADJ
fbem-26174	53	28	years	year	NOUN
fbem-26174	53	29	,	,	PUNCT
fbem-26174	53	30	this	this	DET
fbem-26174	53	31	kind	kind	NOUN
fbem-26174	53	32	of	of	ADP
fbem-26174	53	33	separate	separate	ADJ
fbem-26174	53	34	regulatory	regulatory	ADJ
fbem-26174	53	35	system	system	NOUN
fbem-26174	53	36	is	be	AUX
fbem-26174	53	37	obviously	obviously	ADV
fbem-26174	53	38	incompatible	incompatible	ADJ
fbem-26174	53	39	with	with	ADP
fbem-26174	53	40	the	the	DET
fbem-26174	53	41	mixed	mixed	ADJ
fbem-26174	53	42	operation	operation	NOUN
fbem-26174	53	43	mode	mode	NOUN
fbem-26174	53	44	of	of	ADP
fbem-26174	53	45	china	china	PROPN
fbem-26174	53	46	's	's	PART
fbem-26174	53	47	financial	financial	ADJ
fbem-26174	53	48	institutions	institution	NOUN
fbem-26174	53	49	,	,	PUNCT
fbem-26174	53	50	which	which	PRON
fbem-26174	53	51	is	be	AUX
fbem-26174	53	52	prone	prone	ADJ
fbem-26174	53	53	to	to	ADP
fbem-26174	53	54	breeding	breed	VERB
fbem-26174	53	55	regulatory	regulatory	ADJ
fbem-26174	53	56	arbitrage	arbitrage	NOUN
fbem-26174	53	57	and	and	CCONJ
fbem-26174	53	58	has	have	AUX
fbem-26174	53	59	become	become	VERB
fbem-26174	53	60	the	the	DET
fbem-26174	53	61	biggest	big	ADJ
fbem-26174	53	62	structural	structural	ADJ
fbem-26174	53	63	risk	risk	NOUN
fbem-26174	53	64	in	in	ADP
fbem-26174	53	65	china	china	PROPN
fbem-26174	53	66	's	's	PART
fbem-26174	53	67	financial	financial	ADJ
fbem-26174	53	68	regulatory	regulatory	ADJ
fbem-26174	53	69	system	system	NOUN
fbem-26174	53	70	.	.	PUNCT
fbem-26174	54	1	how	how	SCONJ
fbem-26174	54	2	to	to	PART
fbem-26174	54	3	supervise	supervise	VERB
fbem-26174	54	4	the	the	DET
fbem-26174	54	5	integrated	integrate	VERB
fbem-26174	54	6	platform	platform	NOUN
fbem-26174	54	7	of	of	ADP
fbem-26174	54	8	fintech	fintech	NOUN
fbem-26174	54	9	by	by	ADP
fbem-26174	54	10	the	the	DET
fbem-26174	54	11	relevant	relevant	ADJ
fbem-26174	54	12	law	law	NOUN
fbem-26174	54	13	enforcement	enforcement	NOUN
fbem-26174	54	14	and	and	CCONJ
fbem-26174	54	15	regulatory	regulatory	ADJ
fbem-26174	54	16	agencies	agency	NOUN
fbem-26174	54	17	simultaneously	simultaneously	ADV
fbem-26174	54	18	is	be	AUX
fbem-26174	54	19	still	still	ADV
fbem-26174	54	20	an	an	DET
fbem-26174	54	21	outstanding	outstanding	ADJ
fbem-26174	54	22	issue	issue	NOUN
fbem-26174	54	23	.	.	PUNCT
fbem-26174	55	1	at	at	ADP
fbem-26174	55	2	the	the	DET
fbem-26174	55	3	same	same	ADJ
fbem-26174	55	4	time	time	NOUN
fbem-26174	55	5	,	,	PUNCT
fbem-26174	55	6	law	law	NOUN
fbem-26174	55	7	enforcement	enforcement	NOUN
fbem-26174	55	8	agencies	agency	NOUN
fbem-26174	55	9	have	have	AUX
fbem-26174	55	10	placed	place	VERB
fbem-26174	55	11	too	too	ADV
fbem-26174	55	12	much	much	ADJ
fbem-26174	55	13	emphasis	emphasis	NOUN
fbem-26174	55	14	on	on	ADP
fbem-26174	55	15	centralised	centralised	ADJ
fbem-26174	55	16	and	and	CCONJ
fbem-26174	55	17	ex	ex	ADJ
fbem-26174	55	18	-	-	ADJ
fbem-26174	55	19	post	post	ADJ
fbem-26174	55	20	regulation	regulation	NOUN
fbem-26174	55	21	,	,	PUNCT
fbem-26174	55	22	neglecting	neglect	VERB
fbem-26174	55	23	the	the	DET
fbem-26174	55	24	importance	importance	NOUN
fbem-26174	55	25	of	of	ADP
fbem-26174	55	26	special	special	ADJ
fbem-26174	55	27	regulation	regulation	NOUN
fbem-26174	55	28	and	and	CCONJ
fbem-26174	55	29	ex	ex	NOUN
fbem-26174	55	30	-	-	NOUN
fbem-26174	55	31	ante	ante	NOUN
fbem-26174	55	32	and	and	CCONJ
fbem-26174	55	33	ex	ex	NOUN
fbem-26174	55	34	-	-	NOUN
fbem-26174	55	35	ante	ante	NOUN
fbem-26174	55	36	regulation	regulation	NOUN
fbem-26174	55	37	,	,	PUNCT
fbem-26174	55	38	which	which	PRON
fbem-26174	55	39	has	have	AUX
fbem-26174	55	40	also	also	ADV
fbem-26174	55	41	led	lead	VERB
fbem-26174	55	42	to	to	ADP
fbem-26174	55	43	law	law	NOUN
fbem-26174	55	44	enforcement	enforcement	NOUN
fbem-26174	55	45	risks	risk	NOUN
fbem-26174	55	46	in	in	ADP
fbem-26174	55	47	the	the	DET
fbem-26174	55	48	area	area	NOUN
fbem-26174	55	49	of	of	ADP
fbem-26174	55	50	fintech	fintech	NOUN
fbem-26174	55	51	.	.	PUNCT
fbem-26174	56	1	blockchain	blockchain	PROPN
fbem-26174	56	2	technology	technology	PROPN
fbem-26174	56	3	,	,	PUNCT
fbem-26174	56	4	which	which	PRON
fbem-26174	56	5	has	have	AUX
fbem-26174	56	6	attracted	attract	VERB
fbem-26174	56	7	much	much	ADJ
fbem-26174	56	8	attention	attention	NOUN
fbem-26174	56	9	in	in	ADP
fbem-26174	56	10	recent	recent	ADJ
fbem-26174	56	11	years	year	NOUN
fbem-26174	56	12	,	,	PUNCT
fbem-26174	56	13	has	have	VERB
fbem-26174	56	14	obvious	obvious	ADJ
fbem-26174	56	15	decentralised	decentralised	ADJ
fbem-26174	56	16	features	feature	NOUN
fbem-26174	56	17	,	,	PUNCT
fbem-26174	56	18	and	and	CCONJ
fbem-26174	56	19	our	our	PRON
fbem-26174	56	20	traditional	traditional	ADJ
fbem-26174	56	21	centralised	centralised	ADJ
fbem-26174	56	22	supervision	supervision	NOUN
fbem-26174	56	23	concept	concept	NOUN
fbem-26174	56	24	can	can	AUX
fbem-26174	56	25	no	no	ADV
fbem-26174	56	26	longer	long	ADV
fbem-26174	56	27	adapt	adapt	VERB
fbem-26174	56	28	to	to	ADP
fbem-26174	56	29	the	the	DET
fbem-26174	56	30	development	development	NOUN
fbem-26174	56	31	trend	trend	NOUN
fbem-26174	56	32	of	of	ADP
fbem-26174	56	33	specialisation	specialisation	NOUN
fbem-26174	56	34	.	.	PUNCT
fbem-26174	57	1	currently	currently	ADV
fbem-26174	57	2	,	,	PUNCT
fbem-26174	57	3	fintech	fintech	NOUN
fbem-26174	57	4	has	have	AUX
fbem-26174	57	5	entered	enter	VERB
fbem-26174	57	6	a	a	DET
fbem-26174	57	7	period	period	NOUN
fbem-26174	57	8	87	87	NUM
fbem-26174	57	9	of	of	ADP
fbem-26174	57	10	rapid	rapid	ADJ
fbem-26174	57	11	development	development	NOUN
fbem-26174	57	12	,	,	PUNCT
fbem-26174	57	13	and	and	CCONJ
fbem-26174	57	14	the	the	DET
fbem-26174	57	15	traditional	traditional	ADJ
fbem-26174	57	16	supervisory	supervisory	ADJ
fbem-26174	57	17	idea	idea	NOUN
fbem-26174	57	18	of	of	ADP
fbem-26174	57	19	first	first	ADV
fbem-26174	57	20	identifying	identify	VERB
fbem-26174	57	21	problems	problem	NOUN
fbem-26174	57	22	and	and	CCONJ
fbem-26174	57	23	then	then	ADV
fbem-26174	57	24	formulating	formulate	VERB
fbem-26174	57	25	countermeasures	countermeasure	NOUN
fbem-26174	57	26	and	and	CCONJ
fbem-26174	57	27	the	the	DET
fbem-26174	57	28	regulatory	regulatory	ADJ
fbem-26174	57	29	system	system	NOUN
fbem-26174	57	30	have	have	AUX
fbem-26174	57	31	deviated	deviate	VERB
fbem-26174	57	32	from	from	ADP
fbem-26174	57	33	the	the	DET
fbem-26174	57	34	development	development	NOUN
fbem-26174	57	35	characteristics	characteristic	NOUN
fbem-26174	57	36	of	of	ADP
fbem-26174	57	37	fintech	fintech	NOUN
fbem-26174	57	38	.	.	PUNCT
fbem-26174	58	1	in	in	ADP
fbem-26174	58	2	the	the	DET
fbem-26174	58	3	links	link	NOUN
fbem-26174	58	4	of	of	ADP
fbem-26174	58	5	policy	policy	NOUN
fbem-26174	58	6	rule	rule	NOUN
fbem-26174	58	7	-	-	PUNCT
fbem-26174	58	8	making	making	NOUN
fbem-26174	58	9	and	and	CCONJ
fbem-26174	58	10	supervision	supervision	NOUN
fbem-26174	58	11	and	and	CCONJ
fbem-26174	58	12	implementation	implementation	NOUN
fbem-26174	58	13	,	,	PUNCT
fbem-26174	58	14	financial	financial	ADJ
fbem-26174	58	15	regulators	regulator	NOUN
fbem-26174	58	16	lack	lack	VERB
fbem-26174	58	17	effective	effective	ADJ
fbem-26174	58	18	communication	communication	NOUN
fbem-26174	58	19	and	and	CCONJ
fbem-26174	58	20	interaction	interaction	NOUN
fbem-26174	58	21	,	,	PUNCT
fbem-26174	58	22	and	and	CCONJ
fbem-26174	58	23	are	be	AUX
fbem-26174	58	24	unable	unable	ADJ
fbem-26174	58	25	to	to	PART
fbem-26174	58	26	timely	timely	ADV
fbem-26174	58	27	and	and	CCONJ
fbem-26174	58	28	effectively	effectively	ADV
fbem-26174	58	29	discover	discover	VERB
fbem-26174	58	30	and	and	CCONJ
fbem-26174	58	31	solve	solve	VERB
fbem-26174	58	32	the	the	DET
fbem-26174	58	33	new	new	ADJ
fbem-26174	58	34	risks	risk	NOUN
fbem-26174	58	35	and	and	CCONJ
fbem-26174	58	36	problems	problem	NOUN
fbem-26174	58	37	brought	bring	VERB
fbem-26174	58	38	by	by	ADP
fbem-26174	58	39	fintech	fintech	NOUN
fbem-26174	58	40	.	.	PUNCT
fbem-26174	59	1	at	at	ADP
fbem-26174	59	2	the	the	DET
fbem-26174	59	3	same	same	ADJ
fbem-26174	59	4	time	time	NOUN
fbem-26174	59	5	,	,	PUNCT
fbem-26174	59	6	financial	financial	ADJ
fbem-26174	59	7	regulators	regulator	NOUN
fbem-26174	59	8	do	do	AUX
fbem-26174	59	9	not	not	PART
fbem-26174	59	10	know	know	VERB
fbem-26174	59	11	the	the	DET
fbem-26174	59	12	real	real	ADJ
fbem-26174	59	13	situation	situation	NOUN
fbem-26174	59	14	of	of	ADP
fbem-26174	59	15	enterprises	enterprise	NOUN
fbem-26174	59	16	in	in	ADP
fbem-26174	59	17	a	a	DET
fbem-26174	59	18	timely	timely	ADJ
fbem-26174	59	19	manner	manner	NOUN
fbem-26174	59	20	,	,	PUNCT
fbem-26174	59	21	and	and	CCONJ
fbem-26174	59	22	will	will	AUX
fbem-26174	59	23	not	not	PART
fbem-26174	59	24	intervene	intervene	VERB
fbem-26174	59	25	until	until	SCONJ
fbem-26174	59	26	the	the	DET
fbem-26174	59	27	situation	situation	NOUN
fbem-26174	59	28	deteriorates	deteriorate	VERB
fbem-26174	59	29	,	,	PUNCT
fbem-26174	59	30	which	which	PRON
fbem-26174	59	31	is	be	AUX
fbem-26174	59	32	very	very	ADV
fbem-26174	59	33	likely	likely	ADJ
fbem-26174	59	34	to	to	PART
fbem-26174	59	35	cause	cause	VERB
fbem-26174	59	36	serious	serious	ADJ
fbem-26174	59	37	adverse	adverse	ADJ
fbem-26174	59	38	consequences	consequence	NOUN
fbem-26174	59	39	.	.	PUNCT
fbem-26174	60	1	in	in	ADP
fbem-26174	60	2	addition	addition	NOUN
fbem-26174	60	3	,	,	PUNCT
fbem-26174	60	4	the	the	DET
fbem-26174	60	5	regulatory	regulatory	ADJ
fbem-26174	60	6	methods	method	NOUN
fbem-26174	60	7	of	of	ADP
fbem-26174	60	8	law	law	NOUN
fbem-26174	60	9	enforcement	enforcement	NOUN
fbem-26174	60	10	departments	department	NOUN
fbem-26174	60	11	are	be	AUX
fbem-26174	60	12	relatively	relatively	ADV
fbem-26174	60	13	single	single	ADJ
fbem-26174	60	14	and	and	CCONJ
fbem-26174	60	15	backward	backward	ADJ
fbem-26174	60	16	,	,	PUNCT
fbem-26174	60	17	and	and	CCONJ
fbem-26174	60	18	there	there	PRON
fbem-26174	60	19	are	be	VERB
fbem-26174	60	20	regulatory	regulatory	ADJ
fbem-26174	60	21	gaps	gap	NOUN
fbem-26174	60	22	and	and	CCONJ
fbem-26174	60	23	regulatory	regulatory	ADJ
fbem-26174	60	24	failures	failure	NOUN
fbem-26174	60	25	.	.	PUNCT
fbem-26174	61	1	for	for	ADP
fbem-26174	61	2	one	one	NUM
fbem-26174	61	3	thing	thing	NOUN
fbem-26174	61	4	,	,	PUNCT
fbem-26174	61	5	china	china	PROPN
fbem-26174	61	6	's	's	PART
fbem-26174	61	7	current	current	ADJ
fbem-26174	61	8	regulation	regulation	NOUN
fbem-26174	61	9	of	of	ADP
fbem-26174	61	10	fintech	fintech	NOUN
fbem-26174	61	11	mainly	mainly	ADV
fbem-26174	61	12	focuses	focus	VERB
fbem-26174	61	13	on	on	ADP
fbem-26174	61	14	network	network	NOUN
fbem-26174	61	15	financing	financing	NOUN
fbem-26174	61	16	and	and	CCONJ
fbem-26174	61	17	e	e	NOUN
fbem-26174	61	18	-	-	NOUN
fbem-26174	61	19	money	money	NOUN
fbem-26174	61	20	(	(	PUNCT
fbem-26174	61	21	restoy	restoy	NOUN
fbem-26174	61	22	,	,	PUNCT
fbem-26174	61	23	fernando	fernando	NOUN
fbem-26174	61	24	,	,	PUNCT
fbem-26174	61	25	2019	2019	NUM
fbem-26174	61	26	)	)	PUNCT
fbem-26174	61	27	,	,	PUNCT
fbem-26174	61	28	while	while	SCONJ
fbem-26174	61	29	fintech	fintech	NOUN
fbem-26174	61	30	in	in	ADP
fbem-26174	61	31	other	other	ADJ
fbem-26174	61	32	industries	industry	NOUN
fbem-26174	61	33	is	be	AUX
fbem-26174	61	34	still	still	ADV
fbem-26174	61	35	in	in	ADP
fbem-26174	61	36	the	the	DET
fbem-26174	61	37	exploration	exploration	NOUN
fbem-26174	61	38	and	and	CCONJ
fbem-26174	61	39	development	development	NOUN
fbem-26174	61	40	stage	stage	NOUN
fbem-26174	61	41	.	.	PUNCT
fbem-26174	62	1	in	in	ADP
fbem-26174	62	2	regulatory	regulatory	ADJ
fbem-26174	62	3	practice	practice	NOUN
fbem-26174	62	4	,	,	PUNCT
fbem-26174	62	5	the	the	DET
fbem-26174	62	6	main	main	ADJ
fbem-26174	62	7	body	body	NOUN
fbem-26174	62	8	of	of	ADP
fbem-26174	62	9	regulation	regulation	NOUN
fbem-26174	62	10	,	,	PUNCT
fbem-26174	62	11	responsibility	responsibility	NOUN
fbem-26174	62	12	and	and	CCONJ
fbem-26174	62	13	standards	standard	NOUN
fbem-26174	62	14	are	be	AUX
fbem-26174	62	15	not	not	PART
fbem-26174	62	16	clear	clear	ADJ
fbem-26174	62	17	enough	enough	ADV
fbem-26174	62	18	.	.	PUNCT
fbem-26174	63	1	secondly	secondly	ADV
fbem-26174	63	2	,	,	PUNCT
fbem-26174	63	3	it	it	PRON
fbem-26174	63	4	lags	lag	VERB
fbem-26174	63	5	behind	behind	ADP
fbem-26174	63	6	finance	finance	NOUN
fbem-26174	63	7	in	in	ADP
fbem-26174	63	8	terms	term	NOUN
fbem-26174	63	9	of	of	ADP
fbem-26174	63	10	regulatory	regulatory	ADJ
fbem-26174	63	11	means	mean	NOUN
fbem-26174	63	12	and	and	CCONJ
fbem-26174	63	13	the	the	DET
fbem-26174	63	14	strength	strength	NOUN
fbem-26174	63	15	of	of	ADP
fbem-26174	63	16	scientific	scientific	ADJ
fbem-26174	63	17	and	and	CCONJ
fbem-26174	63	18	technological	technological	ADJ
fbem-26174	63	19	development	development	NOUN
fbem-26174	63	20	,	,	PUNCT
fbem-26174	63	21	and	and	CCONJ
fbem-26174	63	22	the	the	DET
fbem-26174	63	23	response	response	NOUN
fbem-26174	63	24	measures	measure	NOUN
fbem-26174	63	25	are	be	AUX
fbem-26174	63	26	not	not	PART
fbem-26174	63	27	yet	yet	ADV
fbem-26174	63	28	comprehensive	comprehensive	ADJ
fbem-26174	63	29	and	and	CCONJ
fbem-26174	63	30	targeted	target	VERB
fbem-26174	63	31	enough	enough	ADV
fbem-26174	63	32	,	,	PUNCT
fbem-26174	63	33	and	and	CCONJ
fbem-26174	63	34	the	the	DET
fbem-26174	63	35	regulatory	regulatory	ADJ
fbem-26174	63	36	cooperation	cooperation	NOUN
fbem-26174	63	37	mechanism	mechanism	NOUN
fbem-26174	63	38	is	be	AUX
fbem-26174	63	39	not	not	PART
fbem-26174	63	40	sound	sound	ADJ
fbem-26174	63	41	and	and	CCONJ
fbem-26174	63	42	coordinated	coordinate	VERB
fbem-26174	63	43	,	,	PUNCT
fbem-26174	63	44	leading	lead	VERB
fbem-26174	63	45	to	to	ADP
fbem-26174	63	46	an	an	DET
fbem-26174	63	47	ever	ever	ADV
fbem-26174	63	48	-	-	PUNCT
fbem-26174	63	49	expanding	expand	VERB
fbem-26174	63	50	regulatory	regulatory	ADJ
fbem-26174	63	51	vacuum	vacuum	NOUN
fbem-26174	63	52	and	and	CCONJ
fbem-26174	63	53	blind	blind	ADJ
fbem-26174	63	54	spot	spot	NOUN
fbem-26174	63	55	.	.	PUNCT
fbem-26174	64	1	the	the	DET
fbem-26174	64	2	evaluation	evaluation	NOUN
fbem-26174	64	3	of	of	ADP
fbem-26174	64	4	the	the	DET
fbem-26174	64	5	current	current	ADJ
fbem-26174	64	6	regulatory	regulatory	ADJ
fbem-26174	64	7	system	system	NOUN
fbem-26174	64	8	,	,	PUNCT
fbem-26174	64	9	regulatory	regulatory	ADJ
fbem-26174	64	10	methods	method	NOUN
fbem-26174	64	11	and	and	CCONJ
fbem-26174	64	12	risk	risk	NOUN
fbem-26174	64	13	assessment	assessment	NOUN
fbem-26174	64	14	is	be	AUX
fbem-26174	64	15	not	not	PART
fbem-26174	64	16	compatible	compatible	ADJ
fbem-26174	64	17	with	with	ADP
fbem-26174	64	18	the	the	DET
fbem-26174	64	19	innovation	innovation	NOUN
fbem-26174	64	20	of	of	ADP
fbem-26174	64	21	financial	financial	ADJ
fbem-26174	64	22	science	science	NOUN
fbem-26174	64	23	and	and	CCONJ
fbem-26174	64	24	technology	technology	NOUN
fbem-26174	64	25	,	,	PUNCT
fbem-26174	64	26	and	and	CCONJ
fbem-26174	64	27	there	there	PRON
fbem-26174	64	28	is	be	VERB
fbem-26174	64	29	a	a	DET
fbem-26174	64	30	lagging	lag	VERB
fbem-26174	64	31	phenomenon	phenomenon	NOUN
fbem-26174	64	32	.	.	PUNCT
fbem-26174	65	1	at	at	ADP
fbem-26174	65	2	the	the	DET
fbem-26174	65	3	same	same	ADJ
fbem-26174	65	4	time	time	NOUN
fbem-26174	65	5	,	,	PUNCT
fbem-26174	65	6	china	china	PROPN
fbem-26174	65	7	's	's	PART
fbem-26174	65	8	financial	financial	ADJ
fbem-26174	65	9	regulatory	regulatory	ADJ
fbem-26174	65	10	model	model	NOUN
fbem-26174	65	11	is	be	AUX
fbem-26174	65	12	relatively	relatively	ADV
fbem-26174	65	13	single	single	ADJ
fbem-26174	65	14	and	and	CCONJ
fbem-26174	65	15	not	not	PART
fbem-26174	65	16	flexible	flexible	ADJ
fbem-26174	65	17	enough	enough	ADV
fbem-26174	65	18	,	,	PUNCT
fbem-26174	65	19	and	and	CCONJ
fbem-26174	65	20	the	the	DET
fbem-26174	65	21	characteristics	characteristic	NOUN
fbem-26174	65	22	of	of	ADP
fbem-26174	65	23	the	the	DET
fbem-26174	65	24	capital	capital	NOUN
fbem-26174	65	25	adequacy	adequacy	NOUN
fbem-26174	65	26	-	-	PUNCT
fbem-26174	65	27	led	lead	VERB
fbem-26174	65	28	regulatory	regulatory	ADJ
fbem-26174	65	29	system	system	NOUN
fbem-26174	65	30	do	do	AUX
fbem-26174	65	31	not	not	PART
fbem-26174	65	32	match	match	VERB
fbem-26174	65	33	the	the	DET
fbem-26174	65	34	fintech	fintech	NOUN
fbem-26174	65	35	industry	industry	NOUN
fbem-26174	65	36	.	.	PUNCT
fbem-26174	66	1	3.3	3.3	NUM
fbem-26174	66	2	.	.	PUNCT
fbem-26174	67	1	judicial	judicial	ADJ
fbem-26174	67	2	risk	risk	NOUN
fbem-26174	67	3	challenges	challenge	NOUN
fbem-26174	67	4	along	along	ADP
fbem-26174	67	5	with	with	ADP
fbem-26174	67	6	the	the	DET
fbem-26174	67	7	rapid	rapid	ADJ
fbem-26174	67	8	development	development	NOUN
fbem-26174	67	9	and	and	CCONJ
fbem-26174	67	10	innovation	innovation	NOUN
fbem-26174	67	11	in	in	ADP
fbem-26174	67	12	the	the	DET
fbem-26174	67	13	field	field	NOUN
fbem-26174	67	14	of	of	ADP
fbem-26174	67	15	fintech	fintech	NOUN
fbem-26174	67	16	,	,	PUNCT
fbem-26174	67	17	the	the	DET
fbem-26174	67	18	construction	construction	NOUN
fbem-26174	67	19	of	of	ADP
fbem-26174	67	20	relevant	relevant	ADJ
fbem-26174	67	21	laws	law	NOUN
fbem-26174	67	22	and	and	CCONJ
fbem-26174	67	23	regulatory	regulatory	ADJ
fbem-26174	67	24	systems	system	NOUN
fbem-26174	67	25	has	have	AUX
fbem-26174	67	26	become	become	VERB
fbem-26174	67	27	particularly	particularly	ADV
fbem-26174	67	28	important	important	ADJ
fbem-26174	67	29	.	.	PUNCT
fbem-26174	68	1	while	while	SCONJ
fbem-26174	68	2	the	the	DET
fbem-26174	68	3	advancement	advancement	NOUN
fbem-26174	68	4	of	of	ADP
fbem-26174	68	5	specialised	specialised	ADJ
fbem-26174	68	6	legislation	legislation	NOUN
fbem-26174	68	7	and	and	CCONJ
fbem-26174	68	8	law	law	NOUN
fbem-26174	68	9	enforcement	enforcement	NOUN
fbem-26174	68	10	can	can	AUX
fbem-26174	68	11	regulate	regulate	VERB
fbem-26174	68	12	and	and	CCONJ
fbem-26174	68	13	guide	guide	VERB
fbem-26174	68	14	the	the	DET
fbem-26174	68	15	development	development	NOUN
fbem-26174	68	16	of	of	ADP
fbem-26174	68	17	fintech	fintech	NOUN
fbem-26174	68	18	to	to	ADP
fbem-26174	68	19	a	a	DET
fbem-26174	68	20	certain	certain	ADJ
fbem-26174	68	21	extent	extent	NOUN
fbem-26174	68	22	,	,	PUNCT
fbem-26174	68	23	it	it	PRON
fbem-26174	68	24	also	also	ADV
fbem-26174	68	25	inevitably	inevitably	ADV
fbem-26174	68	26	brings	bring	VERB
fbem-26174	68	27	new	new	ADJ
fbem-26174	68	28	judicial	judicial	ADJ
fbem-26174	68	29	risks	risk	NOUN
fbem-26174	68	30	.	.	PUNCT
fbem-26174	69	1	firstly	firstly	ADV
fbem-26174	69	2	,	,	PUNCT
fbem-26174	69	3	there	there	PRON
fbem-26174	69	4	is	be	VERB
fbem-26174	69	5	a	a	DET
fbem-26174	69	6	lack	lack	NOUN
fbem-26174	69	7	of	of	ADP
fbem-26174	69	8	specialised	specialised	ADJ
fbem-26174	69	9	legal	legal	ADJ
fbem-26174	69	10	basis	basis	NOUN
fbem-26174	69	11	for	for	SCONJ
fbem-26174	69	12	the	the	DET
fbem-26174	69	13	judiciary	judiciary	NOUN
fbem-26174	69	14	to	to	PART
fbem-26174	69	15	face	face	VERB
fbem-26174	69	16	the	the	DET
fbem-26174	69	17	increasingly	increasingly	ADV
fbem-26174	69	18	complex	complex	ADJ
fbem-26174	69	19	fintech	fintech	NOUN
fbem-26174	69	20	-	-	PUNCT
fbem-26174	69	21	related	relate	VERB
fbem-26174	69	22	judicial	judicial	ADJ
fbem-26174	69	23	disputes	dispute	NOUN
fbem-26174	69	24	.	.	PUNCT
fbem-26174	70	1	as	as	ADP
fbem-26174	70	2	an	an	DET
fbem-26174	70	3	emerging	emerge	VERB
fbem-26174	70	4	field	field	NOUN
fbem-26174	70	5	,	,	PUNCT
fbem-26174	70	6	fintech	fintech	NOUN
fbem-26174	70	7	involves	involve	VERB
fbem-26174	70	8	a	a	DET
fbem-26174	70	9	large	large	ADJ
fbem-26174	70	10	number	number	NOUN
fbem-26174	70	11	of	of	ADP
fbem-26174	70	12	new	new	ADJ
fbem-26174	70	13	technologies	technology	NOUN
fbem-26174	70	14	and	and	CCONJ
fbem-26174	70	15	new	new	ADJ
fbem-26174	70	16	business	business	NOUN
fbem-26174	70	17	models	model	NOUN
fbem-26174	70	18	,	,	PUNCT
fbem-26174	70	19	and	and	CCONJ
fbem-26174	70	20	traditional	traditional	ADJ
fbem-26174	70	21	legal	legal	ADJ
fbem-26174	70	22	norms	norm	NOUN
fbem-26174	70	23	are	be	AUX
fbem-26174	70	24	difficult	difficult	ADJ
fbem-26174	70	25	to	to	PART
fbem-26174	70	26	fully	fully	ADV
fbem-26174	70	27	cover	cover	VERB
fbem-26174	70	28	these	these	DET
fbem-26174	70	29	new	new	ADJ
fbem-26174	70	30	things	thing	NOUN
fbem-26174	70	31	.	.	PUNCT
fbem-26174	71	1	this	this	PRON
fbem-26174	71	2	leads	lead	VERB
fbem-26174	71	3	to	to	ADP
fbem-26174	71	4	the	the	DET
fbem-26174	71	5	dilemma	dilemma	NOUN
fbem-26174	71	6	that	that	SCONJ
fbem-26174	71	7	the	the	DET
fbem-26174	71	8	judiciary	judiciary	NOUN
fbem-26174	71	9	is	be	AUX
fbem-26174	71	10	often	often	ADV
fbem-26174	71	11	faced	face	VERB
fbem-26174	71	12	with	with	ADP
fbem-26174	71	13	a	a	DET
fbem-26174	71	14	lack	lack	NOUN
fbem-26174	71	15	of	of	ADP
fbem-26174	71	16	legal	legal	ADJ
fbem-26174	71	17	basis	basis	NOUN
fbem-26174	71	18	when	when	SCONJ
fbem-26174	71	19	hearing	hear	VERB
fbem-26174	71	20	fintech	fintech	NOUN
fbem-26174	71	21	cases	case	NOUN
fbem-26174	71	22	.	.	PUNCT
fbem-26174	72	1	although	although	SCONJ
fbem-26174	72	2	the	the	DET
fbem-26174	72	3	principle	principle	NOUN
fbem-26174	72	4	-	-	PUNCT
fbem-26174	72	5	based	base	VERB
fbem-26174	72	6	provisions	provision	NOUN
fbem-26174	72	7	of	of	ADP
fbem-26174	72	8	the	the	DET
fbem-26174	72	9	law	law	NOUN
fbem-26174	72	10	can	can	AUX
fbem-26174	72	11	provide	provide	VERB
fbem-26174	72	12	some	some	DET
fbem-26174	72	13	guidance	guidance	NOUN
fbem-26174	72	14	,	,	PUNCT
fbem-26174	72	15	how	how	SCONJ
fbem-26174	72	16	to	to	PART
fbem-26174	72	17	apply	apply	VERB
fbem-26174	72	18	these	these	DET
fbem-26174	72	19	principles	principle	NOUN
fbem-26174	72	20	in	in	ADP
fbem-26174	72	21	specific	specific	ADJ
fbem-26174	72	22	cases	case	NOUN
fbem-26174	72	23	remains	remain	VERB
fbem-26174	72	24	a	a	DET
fbem-26174	72	25	great	great	ADJ
fbem-26174	72	26	challenge	challenge	NOUN
fbem-26174	72	27	.	.	PUNCT
fbem-26174	73	1	this	this	DET
fbem-26174	73	2	lagging	lagging	NOUN
fbem-26174	73	3	and	and	CCONJ
fbem-26174	73	4	imperfect	imperfect	ADJ
fbem-26174	73	5	nature	nature	NOUN
fbem-26174	73	6	of	of	ADP
fbem-26174	73	7	legal	legal	ADJ
fbem-26174	73	8	norms	norm	NOUN
fbem-26174	73	9	creates	create	VERB
fbem-26174	73	10	greater	great	ADJ
fbem-26174	73	11	uncertainty	uncertainty	NOUN
fbem-26174	73	12	in	in	ADP
fbem-26174	73	13	the	the	DET
fbem-26174	73	14	judgements	judgement	NOUN
fbem-26174	73	15	of	of	ADP
fbem-26174	73	16	the	the	DET
fbem-26174	73	17	judiciary	judiciary	NOUN
fbem-26174	73	18	and	and	CCONJ
fbem-26174	73	19	increases	increase	VERB
fbem-26174	73	20	judicial	judicial	ADJ
fbem-26174	73	21	risk	risk	NOUN
fbem-26174	73	22	.	.	PUNCT
fbem-26174	74	1	secondly	secondly	ADV
fbem-26174	74	2	,	,	PUNCT
fbem-26174	74	3	judicial	judicial	ADJ
fbem-26174	74	4	officers	officer	NOUN
fbem-26174	74	5	face	face	VERB
fbem-26174	74	6	greater	great	ADJ
fbem-26174	74	7	challenges	challenge	NOUN
fbem-26174	74	8	.	.	PUNCT
fbem-26174	75	1	fintech	fintech	NOUN
fbem-26174	75	2	,	,	PUNCT
fbem-26174	75	3	as	as	ADP
fbem-26174	75	4	a	a	DET
fbem-26174	75	5	highly	highly	ADV
fbem-26174	75	6	cross	cross	ADJ
fbem-26174	75	7	-	-	ADJ
fbem-26174	75	8	cutting	cutting	ADJ
fbem-26174	75	9	and	and	CCONJ
fbem-26174	75	10	complex	complex	ADJ
fbem-26174	75	11	emerging	emerge	VERB
fbem-26174	75	12	field	field	NOUN
fbem-26174	75	13	,	,	PUNCT
fbem-26174	75	14	involves	involve	VERB
fbem-26174	75	15	specific	specific	ADJ
fbem-26174	75	16	content	content	NOUN
fbem-26174	75	17	that	that	PRON
fbem-26174	75	18	often	often	ADV
fbem-26174	75	19	involves	involve	VERB
fbem-26174	75	20	multiple	multiple	ADJ
fbem-26174	75	21	disciplinary	disciplinary	ADJ
fbem-26174	75	22	fields	field	NOUN
fbem-26174	75	23	such	such	ADJ
fbem-26174	75	24	as	as	ADP
fbem-26174	75	25	finance	finance	NOUN
fbem-26174	75	26	,	,	PUNCT
fbem-26174	75	27	science	science	NOUN
fbem-26174	75	28	and	and	CCONJ
fbem-26174	75	29	technology	technology	NOUN
fbem-26174	75	30	,	,	PUNCT
fbem-26174	75	31	law	law	NOUN
fbem-26174	75	32	,	,	PUNCT
fbem-26174	75	33	and	and	CCONJ
fbem-26174	75	34	economics	economic	NOUN
fbem-26174	75	35	.	.	PUNCT
fbem-26174	76	1	this	this	PRON
fbem-26174	76	2	puts	put	VERB
fbem-26174	76	3	forward	forward	ADV
fbem-26174	76	4	high	high	ADJ
fbem-26174	76	5	requirements	requirement	NOUN
fbem-26174	76	6	for	for	ADP
fbem-26174	76	7	the	the	DET
fbem-26174	76	8	comprehensive	comprehensive	ADJ
fbem-26174	76	9	quality	quality	NOUN
fbem-26174	76	10	of	of	ADP
fbem-26174	76	11	judicial	judicial	ADJ
fbem-26174	76	12	personnel	personnel	NOUN
fbem-26174	76	13	.	.	PUNCT
fbem-26174	77	1	judicial	judicial	ADJ
fbem-26174	77	2	personnel	personnel	NOUN
fbem-26174	77	3	not	not	PART
fbem-26174	77	4	only	only	ADV
fbem-26174	77	5	need	need	VERB
fbem-26174	77	6	to	to	PART
fbem-26174	77	7	have	have	VERB
fbem-26174	77	8	solid	solid	ADJ
fbem-26174	77	9	legal	legal	ADJ
fbem-26174	77	10	knowledge	knowledge	NOUN
fbem-26174	77	11	,	,	PUNCT
fbem-26174	77	12	but	but	CCONJ
fbem-26174	77	13	also	also	ADV
fbem-26174	77	14	need	need	VERB
fbem-26174	77	15	to	to	PART
fbem-26174	77	16	understand	understand	VERB
fbem-26174	77	17	the	the	DET
fbem-26174	77	18	basic	basic	ADJ
fbem-26174	77	19	principles	principle	NOUN
fbem-26174	77	20	and	and	CCONJ
fbem-26174	77	21	mode	mode	NOUN
fbem-26174	77	22	of	of	ADP
fbem-26174	77	23	operation	operation	NOUN
fbem-26174	77	24	of	of	ADP
fbem-26174	77	25	financial	financial	ADJ
fbem-26174	77	26	technology	technology	NOUN
fbem-26174	77	27	,	,	PUNCT
fbem-26174	77	28	and	and	CCONJ
fbem-26174	77	29	even	even	ADV
fbem-26174	77	30	need	need	VERB
fbem-26174	77	31	to	to	PART
fbem-26174	77	32	have	have	VERB
fbem-26174	77	33	a	a	DET
fbem-26174	77	34	certain	certain	ADJ
fbem-26174	77	35	technical	technical	ADJ
fbem-26174	77	36	background	background	NOUN
fbem-26174	77	37	.	.	PUNCT
fbem-26174	78	1	the	the	DET
fbem-26174	78	2	lack	lack	NOUN
fbem-26174	78	3	of	of	ADP
fbem-26174	78	4	such	such	ADJ
fbem-26174	78	5	high	high	ADJ
fbem-26174	78	6	-	-	PUNCT
fbem-26174	78	7	quality	quality	NOUN
fbem-26174	78	8	composite	composite	ADJ
fbem-26174	78	9	talents	talent	NOUN
fbem-26174	78	10	makes	make	VERB
fbem-26174	78	11	it	it	PRON
fbem-26174	78	12	often	often	ADV
fbem-26174	78	13	difficult	difficult	ADJ
fbem-26174	78	14	for	for	SCONJ
fbem-26174	78	15	the	the	DET
fbem-26174	78	16	judiciary	judiciary	NOUN
fbem-26174	78	17	to	to	PART
fbem-26174	78	18	find	find	VERB
fbem-26174	78	19	suitable	suitable	ADJ
fbem-26174	78	20	trial	trial	NOUN
fbem-26174	78	21	judges	judge	NOUN
fbem-26174	78	22	when	when	SCONJ
fbem-26174	78	23	dealing	deal	VERB
fbem-26174	78	24	with	with	ADP
fbem-26174	78	25	fintech	fintech	NOUN
fbem-26174	78	26	-	-	PUNCT
fbem-26174	78	27	related	relate	VERB
fbem-26174	78	28	cases	case	NOUN
fbem-26174	78	29	,	,	PUNCT
fbem-26174	78	30	or	or	CCONJ
fbem-26174	78	31	results	result	NOUN
fbem-26174	78	32	in	in	ADP
fbem-26174	78	33	trial	trial	NOUN
fbem-26174	78	34	judges	judge	NOUN
fbem-26174	78	35	being	be	AUX
fbem-26174	78	36	overwhelmed	overwhelmed	ADJ
fbem-26174	78	37	when	when	SCONJ
fbem-26174	78	38	dealing	deal	VERB
fbem-26174	78	39	with	with	ADP
fbem-26174	78	40	these	these	DET
fbem-26174	78	41	cases	case	NOUN
fbem-26174	78	42	,	,	PUNCT
fbem-26174	78	43	thus	thus	ADV
fbem-26174	78	44	increasing	increase	VERB
fbem-26174	78	45	the	the	DET
fbem-26174	78	46	judicial	judicial	ADJ
fbem-26174	78	47	risk	risk	NOUN
fbem-26174	78	48	.	.	PUNCT
fbem-26174	79	1	in	in	ADP
fbem-26174	79	2	addition	addition	NOUN
fbem-26174	79	3	,	,	PUNCT
fbem-26174	79	4	the	the	DET
fbem-26174	79	5	complexity	complexity	NOUN
fbem-26174	79	6	and	and	CCONJ
fbem-26174	79	7	specialisation	specialisation	NOUN
fbem-26174	79	8	of	of	ADP
fbem-26174	79	9	fintech	fintech	NOUN
fbem-26174	79	10	cases	case	NOUN
fbem-26174	79	11	themselves	themselves	PRON
fbem-26174	79	12	have	have	AUX
fbem-26174	79	13	posed	pose	VERB
fbem-26174	79	14	new	new	ADJ
fbem-26174	79	15	challenges	challenge	NOUN
fbem-26174	79	16	to	to	ADP
fbem-26174	79	17	the	the	DET
fbem-26174	79	18	judicial	judicial	ADJ
fbem-26174	79	19	authorities	authority	NOUN
fbem-26174	79	20	'	'	PART
fbem-26174	79	21	procedures	procedure	NOUN
fbem-26174	79	22	and	and	CCONJ
fbem-26174	79	23	methods	method	NOUN
fbem-26174	79	24	for	for	ADP
fbem-26174	79	25	hearing	hearing	NOUN
fbem-26174	79	26	cases	case	NOUN
fbem-26174	79	27	.	.	PUNCT
fbem-26174	80	1	traditional	traditional	ADJ
fbem-26174	80	2	judicial	judicial	ADJ
fbem-26174	80	3	procedures	procedure	NOUN
fbem-26174	80	4	and	and	CCONJ
fbem-26174	80	5	methods	method	NOUN
fbem-26174	80	6	may	may	AUX
fbem-26174	80	7	be	be	AUX
fbem-26174	80	8	difficult	difficult	ADJ
fbem-26174	80	9	to	to	PART
fbem-26174	80	10	adapt	adapt	VERB
fbem-26174	80	11	to	to	ADP
fbem-26174	80	12	the	the	DET
fbem-26174	80	13	characteristics	characteristic	NOUN
fbem-26174	80	14	of	of	ADP
fbem-26174	80	15	fintech	fintech	NOUN
fbem-26174	80	16	cases	case	NOUN
fbem-26174	80	17	.	.	PUNCT
fbem-26174	81	1	for	for	ADP
fbem-26174	81	2	example	example	NOUN
fbem-26174	81	3	,	,	PUNCT
fbem-26174	81	4	fintech	fintech	NOUN
fbem-26174	81	5	cases	case	NOUN
fbem-26174	81	6	may	may	AUX
fbem-26174	81	7	involve	involve	VERB
fbem-26174	81	8	a	a	DET
fbem-26174	81	9	large	large	ADJ
fbem-26174	81	10	amount	amount	NOUN
fbem-26174	81	11	of	of	ADP
fbem-26174	81	12	technical	technical	ADJ
fbem-26174	81	13	evidence	evidence	NOUN
fbem-26174	81	14	and	and	CCONJ
fbem-26174	81	15	data	datum	NOUN
fbem-26174	81	16	analysis	analysis	NOUN
fbem-26174	81	17	,	,	PUNCT
fbem-26174	81	18	the	the	DET
fbem-26174	81	19	collection	collection	NOUN
fbem-26174	81	20	,	,	PUNCT
fbem-26174	81	21	preservation	preservation	NOUN
fbem-26174	81	22	and	and	CCONJ
fbem-26174	81	23	analysis	analysis	NOUN
fbem-26174	81	24	of	of	ADP
fbem-26174	81	25	which	which	PRON
fbem-26174	81	26	require	require	VERB
fbem-26174	81	27	special	special	ADJ
fbem-26174	81	28	technical	technical	ADJ
fbem-26174	81	29	means	mean	NOUN
fbem-26174	81	30	and	and	CCONJ
fbem-26174	81	31	expertise	expertise	NOUN
fbem-26174	81	32	.	.	PUNCT
fbem-26174	82	1	the	the	DET
fbem-26174	82	2	use	use	NOUN
fbem-26174	82	3	of	of	ADP
fbem-26174	82	4	these	these	DET
fbem-26174	82	5	technical	technical	ADJ
fbem-26174	82	6	means	mean	NOUN
fbem-26174	82	7	and	and	CCONJ
fbem-26174	82	8	expertise	expertise	NOUN
fbem-26174	82	9	is	be	AUX
fbem-26174	82	10	not	not	PART
fbem-26174	82	11	yet	yet	ADV
fbem-26174	82	12	common	common	ADJ
fbem-26174	82	13	in	in	ADP
fbem-26174	82	14	the	the	DET
fbem-26174	82	15	existing	exist	VERB
fbem-26174	82	16	judicial	judicial	ADJ
fbem-26174	82	17	system	system	NOUN
fbem-26174	82	18	,	,	PUNCT
fbem-26174	82	19	which	which	PRON
fbem-26174	82	20	increases	increase	VERB
fbem-26174	82	21	the	the	DET
fbem-26174	82	22	difficulty	difficulty	NOUN
fbem-26174	82	23	and	and	CCONJ
fbem-26174	82	24	uncertainty	uncertainty	NOUN
fbem-26174	82	25	of	of	ADP
fbem-26174	82	26	the	the	DET
fbem-26174	82	27	case	case	NOUN
fbem-26174	82	28	and	and	CCONJ
fbem-26174	82	29	further	further	ADJ
fbem-26174	82	30	increases	increase	VERB
fbem-26174	82	31	the	the	DET
fbem-26174	82	32	judicial	judicial	ADJ
fbem-26174	82	33	risk	risk	NOUN
fbem-26174	82	34	.	.	PUNCT
fbem-26174	83	1	at	at	ADP
fbem-26174	83	2	the	the	DET
fbem-26174	83	3	same	same	ADJ
fbem-26174	83	4	time	time	NOUN
fbem-26174	83	5	,	,	PUNCT
fbem-26174	83	6	the	the	DET
fbem-26174	83	7	rapid	rapid	ADJ
fbem-26174	83	8	development	development	NOUN
fbem-26174	83	9	and	and	CCONJ
fbem-26174	83	10	changes	change	NOUN
fbem-26174	83	11	in	in	ADP
fbem-26174	83	12	the	the	DET
fbem-26174	83	13	field	field	NOUN
fbem-26174	83	14	of	of	ADP
fbem-26174	83	15	financial	financial	ADJ
fbem-26174	83	16	technology	technology	NOUN
fbem-26174	83	17	also	also	ADV
fbem-26174	83	18	make	make	VERB
fbem-26174	83	19	the	the	DET
fbem-26174	83	20	judiciary	judiciary	NOUN
fbem-26174	83	21	face	face	VERB
fbem-26174	83	22	greater	great	ADJ
fbem-26174	83	23	uncertainty	uncertainty	NOUN
fbem-26174	83	24	when	when	SCONJ
fbem-26174	83	25	applying	apply	VERB
fbem-26174	83	26	the	the	DET
fbem-26174	83	27	law	law	NOUN
fbem-26174	83	28	.	.	PUNCT
fbem-26174	84	1	the	the	DET
fbem-26174	84	2	speed	speed	NOUN
fbem-26174	84	3	of	of	ADP
fbem-26174	84	4	development	development	NOUN
fbem-26174	84	5	of	of	ADP
fbem-26174	84	6	fintech	fintech	NOUN
fbem-26174	84	7	far	far	ADV
fbem-26174	84	8	exceeds	exceed	VERB
fbem-26174	84	9	that	that	PRON
fbem-26174	84	10	of	of	ADP
fbem-26174	84	11	traditional	traditional	ADJ
fbem-26174	84	12	industries	industry	NOUN
fbem-26174	84	13	,	,	PUNCT
fbem-26174	84	14	with	with	ADP
fbem-26174	84	15	new	new	ADJ
fbem-26174	84	16	technologies	technology	NOUN
fbem-26174	84	17	and	and	CCONJ
fbem-26174	84	18	business	business	NOUN
fbem-26174	84	19	models	model	NOUN
fbem-26174	84	20	constantly	constantly	ADV
fbem-26174	84	21	emerging	emerge	VERB
fbem-26174	84	22	,	,	PUNCT
fbem-26174	84	23	and	and	CCONJ
fbem-26174	84	24	legal	legal	ADJ
fbem-26174	84	25	norms	norm	NOUN
fbem-26174	84	26	are	be	AUX
fbem-26174	84	27	often	often	ADV
fbem-26174	84	28	difficult	difficult	ADJ
fbem-26174	84	29	to	to	PART
fbem-26174	84	30	keep	keep	VERB
fbem-26174	84	31	up	up	ADP
fbem-26174	84	32	with	with	ADP
fbem-26174	84	33	this	this	DET
fbem-26174	84	34	rapid	rapid	ADJ
fbem-26174	84	35	pace	pace	NOUN
fbem-26174	84	36	of	of	ADP
fbem-26174	84	37	change	change	NOUN
fbem-26174	84	38	.	.	PUNCT
fbem-26174	85	1	this	this	DET
fbem-26174	85	2	asymmetry	asymmetry	NOUN
fbem-26174	85	3	between	between	ADP
fbem-26174	85	4	legal	legal	ADJ
fbem-26174	85	5	and	and	CCONJ
fbem-26174	85	6	technological	technological	ADJ
fbem-26174	85	7	development	development	NOUN
fbem-26174	85	8	makes	make	VERB
fbem-26174	85	9	it	it	PRON
fbem-26174	85	10	often	often	ADV
fbem-26174	85	11	necessary	necessary	ADJ
fbem-26174	85	12	for	for	SCONJ
fbem-26174	85	13	the	the	DET
fbem-26174	85	14	judiciary	judiciary	NOUN
fbem-26174	85	15	to	to	PART
fbem-26174	85	16	make	make	VERB
fbem-26174	85	17	judgements	judgement	NOUN
fbem-26174	85	18	amidst	amidst	ADP
fbem-26174	85	19	uncertainty	uncertainty	NOUN
fbem-26174	85	20	when	when	SCONJ
fbem-26174	85	21	dealing	deal	VERB
fbem-26174	85	22	with	with	ADP
fbem-26174	85	23	fintech	fintech	NOUN
fbem-26174	85	24	cases	case	NOUN
fbem-26174	85	25	,	,	PUNCT
fbem-26174	85	26	which	which	PRON
fbem-26174	85	27	undoubtedly	undoubtedly	ADV
fbem-26174	85	28	increases	increase	VERB
fbem-26174	85	29	judicial	judicial	ADJ
fbem-26174	85	30	risk	risk	NOUN
fbem-26174	85	31	.	.	PUNCT
fbem-26174	86	1	further	far	ADV
fbem-26174	86	2	,	,	PUNCT
fbem-26174	86	3	the	the	DET
fbem-26174	86	4	globalised	globalised	ADJ
fbem-26174	86	5	nature	nature	NOUN
fbem-26174	86	6	of	of	ADP
fbem-26174	86	7	fintech	fintech	NOUN
fbem-26174	86	8	also	also	ADV
fbem-26174	86	9	brings	bring	VERB
fbem-26174	86	10	increased	increase	VERB
fbem-26174	86	11	judicial	judicial	ADJ
fbem-26174	86	12	risk	risk	NOUN
fbem-26174	86	13	.	.	PUNCT
fbem-26174	87	1	fintech	fintech	NOUN
fbem-26174	87	2	enterprises	enterprise	NOUN
fbem-26174	87	3	are	be	AUX
fbem-26174	87	4	often	often	ADV
fbem-26174	87	5	characterised	characterise	VERB
fbem-26174	87	6	by	by	ADP
fbem-26174	87	7	transnational	transnational	ADJ
fbem-26174	87	8	operations	operation	NOUN
fbem-26174	87	9	,	,	PUNCT
fbem-26174	87	10	and	and	CCONJ
fbem-26174	87	11	their	their	PRON
fbem-26174	87	12	business	business	NOUN
fbem-26174	87	13	involves	involve	VERB
fbem-26174	87	14	multiple	multiple	ADJ
fbem-26174	87	15	countries	country	NOUN
fbem-26174	87	16	and	and	CCONJ
fbem-26174	87	17	regions	region	NOUN
fbem-26174	87	18	,	,	PUNCT
fbem-26174	87	19	with	with	ADP
fbem-26174	87	20	laws	law	NOUN
fbem-26174	87	21	and	and	CCONJ
fbem-26174	87	22	regulations	regulation	NOUN
fbem-26174	87	23	varying	vary	VERB
fbem-26174	87	24	greatly	greatly	ADV
fbem-26174	87	25	from	from	ADP
fbem-26174	87	26	country	country	NOUN
fbem-26174	87	27	to	to	ADP
fbem-26174	87	28	country	country	NOUN
fbem-26174	87	29	and	and	CCONJ
fbem-26174	87	30	region	region	NOUN
fbem-26174	87	31	to	to	ADP
fbem-26174	87	32	region	region	NOUN
fbem-26174	87	33	,	,	PUNCT
fbem-26174	87	34	increasing	increase	VERB
fbem-26174	87	35	the	the	DET
fbem-26174	87	36	difficulty	difficulty	NOUN
fbem-26174	87	37	for	for	SCONJ
fbem-26174	87	38	the	the	DET
fbem-26174	87	39	judiciary	judiciary	NOUN
fbem-26174	87	40	to	to	PART
fbem-26174	87	41	deal	deal	VERB
fbem-26174	87	42	with	with	ADP
fbem-26174	87	43	transnational	transnational	ADJ
fbem-26174	87	44	fintech	fintech	NOUN
fbem-26174	87	45	cases	case	NOUN
fbem-26174	87	46	.	.	PUNCT
fbem-26174	88	1	for	for	ADP
fbem-26174	88	2	example	example	NOUN
fbem-26174	88	3	,	,	PUNCT
fbem-26174	88	4	legal	legal	ADJ
fbem-26174	88	5	norms	norm	NOUN
fbem-26174	88	6	on	on	ADP
fbem-26174	88	7	data	datum	NOUN
fbem-26174	88	8	protection	protection	NOUN
fbem-26174	88	9	and	and	CCONJ
fbem-26174	88	10	privacy	privacy	NOUN
fbem-26174	88	11	vary	vary	VERB
fbem-26174	88	12	greatly	greatly	ADV
fbem-26174	88	13	between	between	ADP
fbem-26174	88	14	different	different	ADJ
fbem-26174	88	15	countries	country	NOUN
fbem-26174	88	16	,	,	PUNCT
fbem-26174	88	17	which	which	PRON
fbem-26174	88	18	makes	make	VERB
fbem-26174	88	19	it	it	PRON
fbem-26174	88	20	necessary	necessary	ADJ
fbem-26174	88	21	for	for	SCONJ
fbem-26174	88	22	the	the	DET
fbem-26174	88	23	judiciary	judiciary	NOUN
fbem-26174	88	24	to	to	PART
fbem-26174	88	25	harmonise	harmonise	VERB
fbem-26174	88	26	the	the	DET
fbem-26174	88	27	legal	legal	ADJ
fbem-26174	88	28	norms	norm	NOUN
fbem-26174	88	29	of	of	ADP
fbem-26174	88	30	different	different	ADJ
fbem-26174	88	31	countries	country	NOUN
fbem-26174	88	32	when	when	SCONJ
fbem-26174	88	33	dealing	deal	VERB
fbem-26174	88	34	with	with	ADP
fbem-26174	88	35	transnational	transnational	ADJ
fbem-26174	88	36	data	data	NOUN
fbem-26174	88	37	transfer	transfer	NOUN
fbem-26174	88	38	and	and	CCONJ
fbem-26174	88	39	protection	protection	NOUN
fbem-26174	88	40	cases	case	NOUN
fbem-26174	88	41	,	,	PUNCT
fbem-26174	88	42	increasing	increase	VERB
fbem-26174	88	43	the	the	DET
fbem-26174	88	44	complexity	complexity	NOUN
fbem-26174	88	45	and	and	CCONJ
fbem-26174	88	46	uncertainty	uncertainty	NOUN
fbem-26174	88	47	of	of	ADP
fbem-26174	88	48	the	the	DET
fbem-26174	88	49	cases	case	NOUN
fbem-26174	88	50	.	.	PUNCT
fbem-26174	89	1	in	in	ADP
fbem-26174	89	2	addition	addition	NOUN
fbem-26174	89	3	,	,	PUNCT
fbem-26174	89	4	the	the	DET
fbem-26174	89	5	regulatory	regulatory	ADJ
fbem-26174	89	6	and	and	CCONJ
fbem-26174	89	7	legal	legal	ADJ
fbem-26174	89	8	system	system	NOUN
fbem-26174	89	9	of	of	ADP
fbem-26174	89	10	fintech	fintech	NOUN
fbem-26174	89	11	is	be	AUX
fbem-26174	89	12	itself	itself	PRON
fbem-26174	89	13	in	in	ADP
fbem-26174	89	14	a	a	DET
fbem-26174	89	15	constant	constant	ADJ
fbem-26174	89	16	state	state	NOUN
fbem-26174	89	17	of	of	ADP
fbem-26174	89	18	development	development	NOUN
fbem-26174	89	19	and	and	CCONJ
fbem-26174	89	20	improvement	improvement	NOUN
fbem-26174	89	21	,	,	PUNCT
fbem-26174	89	22	which	which	PRON
fbem-26174	89	23	makes	make	VERB
fbem-26174	89	24	it	it	PRON
fbem-26174	89	25	necessary	necessary	ADJ
fbem-26174	89	26	for	for	SCONJ
fbem-26174	89	27	the	the	DET
fbem-26174	89	28	judiciary	judiciary	NOUN
fbem-26174	89	29	to	to	PART
fbem-26174	89	30	constantly	constantly	ADV
fbem-26174	89	31	update	update	VERB
fbem-26174	89	32	and	and	CCONJ
fbem-26174	89	33	adapt	adapt	VERB
fbem-26174	89	34	to	to	ADP
fbem-26174	89	35	new	new	ADJ
fbem-26174	89	36	legal	legal	ADJ
fbem-26174	89	37	norms	norm	NOUN
fbem-26174	89	38	and	and	CCONJ
fbem-26174	89	39	regulatory	regulatory	ADJ
fbem-26174	89	40	requirements	requirement	NOUN
fbem-26174	89	41	when	when	SCONJ
fbem-26174	89	42	dealing	deal	VERB
fbem-26174	89	43	with	with	ADP
fbem-26174	89	44	relevant	relevant	ADJ
fbem-26174	89	45	cases	case	NOUN
fbem-26174	89	46	.	.	PUNCT
fbem-26174	90	1	this	this	DET
fbem-26174	90	2	constant	constant	ADJ
fbem-26174	90	3	change	change	NOUN
fbem-26174	90	4	in	in	ADP
fbem-26174	90	5	the	the	DET
fbem-26174	90	6	legal	legal	ADJ
fbem-26174	90	7	and	and	CCONJ
fbem-26174	90	8	regulatory	regulatory	ADJ
fbem-26174	90	9	system	system	NOUN
fbem-26174	90	10	also	also	ADV
fbem-26174	90	11	increases	increase	VERB
fbem-26174	90	12	the	the	DET
fbem-26174	90	13	difficulty	difficulty	NOUN
fbem-26174	90	14	and	and	CCONJ
fbem-26174	90	15	uncertainty	uncertainty	NOUN
fbem-26174	90	16	of	of	ADP
fbem-26174	90	17	the	the	DET
fbem-26174	90	18	judicial	judicial	ADJ
fbem-26174	90	19	authorities	authority	NOUN
fbem-26174	90	20	in	in	ADP
fbem-26174	90	21	handling	handle	VERB
fbem-26174	90	22	cases	case	NOUN
fbem-26174	90	23	,	,	PUNCT
fbem-26174	90	24	thus	thus	ADV
fbem-26174	90	25	increasing	increase	VERB
fbem-26174	90	26	judicial	judicial	ADJ
fbem-26174	90	27	risks	risk	NOUN
fbem-26174	90	28	.	.	PUNCT
fbem-26174	91	1	3.4	3.4	NUM
fbem-26174	91	2	.	.	PUNCT
fbem-26174	91	3	compliance	compliance	NOUN
fbem-26174	91	4	risks	risk	VERB
fbem-26174	91	5	the	the	DET
fbem-26174	91	6	development	development	NOUN
fbem-26174	91	7	of	of	ADP
fbem-26174	91	8	fintech	fintech	NOUN
fbem-26174	91	9	has	have	AUX
fbem-26174	91	10	lowered	lower	VERB
fbem-26174	91	11	the	the	DET
fbem-26174	91	12	original	original	ADJ
fbem-26174	91	13	high	high	ADJ
fbem-26174	91	14	threshold	threshold	NOUN
fbem-26174	91	15	of	of	ADP
fbem-26174	91	16	financial	financial	ADJ
fbem-26174	91	17	activities	activity	NOUN
fbem-26174	91	18	and	and	CCONJ
fbem-26174	91	19	attracted	attract	VERB
fbem-26174	91	20	a	a	DET
fbem-26174	91	21	large	large	ADJ
fbem-26174	91	22	number	number	NOUN
fbem-26174	91	23	of	of	ADP
fbem-26174	91	24	emerging	emerge	VERB
fbem-26174	91	25	players	player	NOUN
fbem-26174	91	26	to	to	ADP
fbem-26174	91	27	the	the	DET
fbem-26174	91	28	market	market	NOUN
fbem-26174	91	29	.	.	PUNCT
fbem-26174	92	1	compliance	compliance	NOUN
fbem-26174	92	2	risk	risk	NOUN
fbem-26174	92	3	,	,	PUNCT
fbem-26174	92	4	as	as	ADP
fbem-26174	92	5	an	an	DET
fbem-26174	92	6	important	important	ADJ
fbem-26174	92	7	issue	issue	NOUN
fbem-26174	92	8	that	that	PRON
fbem-26174	92	9	can	can	AUX
fbem-26174	92	10	not	not	PART
fbem-26174	92	11	be	be	AUX
fbem-26174	92	12	ignored	ignore	VERB
fbem-26174	92	13	in	in	ADP
fbem-26174	92	14	the	the	DET
fbem-26174	92	15	process	process	NOUN
fbem-26174	92	16	of	of	ADP
fbem-26174	92	17	fintech	fintech	NOUN
fbem-26174	92	18	development	development	NOUN
fbem-26174	92	19	,	,	PUNCT
fbem-26174	92	20	involves	involve	VERB
fbem-26174	92	21	both	both	PRON
fbem-26174	92	22	fintech	fintech	NOUN
fbem-26174	92	23	business	business	NOUN
fbem-26174	92	24	entities	entity	NOUN
fbem-26174	92	25	and	and	CCONJ
fbem-26174	92	26	fintech	fintech	NOUN
fbem-26174	92	27	consumer	consumer	NOUN
fbem-26174	92	28	entities	entity	NOUN
fbem-26174	92	29	.	.	PUNCT
fbem-26174	93	1	its	its	PRON
fbem-26174	93	2	complexity	complexity	NOUN
fbem-26174	93	3	and	and	CCONJ
fbem-26174	93	4	multi	multi	ADJ
fbem-26174	93	5	-	-	ADJ
fbem-26174	93	6	level	level	ADJ
fbem-26174	93	7	nature	nature	NOUN
fbem-26174	93	8	determine	determine	VERB
fbem-26174	93	9	that	that	PRON
fbem-26174	93	10	compliance	compliance	NOUN
fbem-26174	93	11	risk	risk	NOUN
fbem-26174	93	12	is	be	AUX
fbem-26174	93	13	not	not	PART
fbem-26174	93	14	only	only	ADV
fbem-26174	93	15	the	the	DET
fbem-26174	93	16	focus	focus	NOUN
fbem-26174	93	17	of	of	ADP
fbem-26174	93	18	attention	attention	NOUN
fbem-26174	93	19	in	in	ADP
fbem-26174	93	20	legislation	legislation	NOUN
fbem-26174	93	21	,	,	PUNCT
fbem-26174	93	22	law	law	NOUN
fbem-26174	93	23	enforcement	enforcement	NOUN
fbem-26174	93	24	and	and	CCONJ
fbem-26174	93	25	justice	justice	NOUN
fbem-26174	93	26	,	,	PUNCT
fbem-26174	93	27	but	but	CCONJ
fbem-26174	93	28	also	also	ADV
fbem-26174	93	29	relates	relate	VERB
fbem-26174	93	30	to	to	ADP
fbem-26174	93	31	the	the	DET
fbem-26174	93	32	overall	overall	ADJ
fbem-26174	93	33	health	health	NOUN
fbem-26174	93	34	and	and	CCONJ
fbem-26174	93	35	sustainable	sustainable	ADJ
fbem-26174	93	36	development	development	NOUN
fbem-26174	93	37	of	of	ADP
fbem-26174	93	38	the	the	DET
fbem-26174	93	39	fintech	fintech	NOUN
fbem-26174	93	40	sector	sector	NOUN
fbem-26174	93	41	.	.	PUNCT
fbem-26174	94	1	firstly	firstly	ADV
fbem-26174	94	2	,	,	PUNCT
fbem-26174	94	3	fintech	fintech	NOUN
fbem-26174	94	4	business	business	NOUN
fbem-26174	94	5	subjects	subject	NOUN
fbem-26174	94	6	are	be	AUX
fbem-26174	94	7	often	often	ADV
fbem-26174	94	8	in	in	ADP
fbem-26174	94	9	an	an	DET
fbem-26174	94	10	advantageous	advantageous	ADJ
fbem-26174	94	11	position	position	NOUN
fbem-26174	94	12	due	due	ADP
fbem-26174	94	13	to	to	ADP
fbem-26174	94	14	their	their	PRON
fbem-26174	94	15	strength	strength	NOUN
fbem-26174	94	16	in	in	ADP
fbem-26174	94	17	data	datum	NOUN
fbem-26174	94	18	and	and	CCONJ
fbem-26174	94	19	capital	capital	NOUN
fbem-26174	94	20	and	and	CCONJ
fbem-26174	94	21	other	other	ADJ
fbem-26174	94	22	forces	force	NOUN
fbem-26174	94	23	.	.	PUNCT
fbem-26174	95	1	these	these	DET
fbem-26174	95	2	operating	operate	VERB
fbem-26174	95	3	entities	entity	NOUN
fbem-26174	95	4	include	include	VERB
fbem-26174	95	5	,	,	PUNCT
fbem-26174	95	6	but	but	CCONJ
fbem-26174	95	7	are	be	AUX
fbem-26174	95	8	not	not	PART
fbem-26174	95	9	limited	limit	VERB
fbem-26174	95	10	to	to	ADP
fbem-26174	95	11	,	,	PUNCT
fbem-26174	95	12	internet	internet	NOUN
fbem-26174	95	13	financial	financial	ADJ
fbem-26174	95	14	platforms	platform	NOUN
fbem-26174	95	15	,	,	PUNCT
fbem-26174	95	16	big	big	ADJ
fbem-26174	95	17	data	datum	NOUN
fbem-26174	95	18	analysis	analysis	NOUN
fbem-26174	95	19	companies	company	NOUN
fbem-26174	95	20	,	,	PUNCT
fbem-26174	95	21	blockchain	blockchain	PROPN
fbem-26174	95	22	technology	technology	PROPN
fbem-26174	95	23	application	application	NOUN
fbem-26174	95	24	enterprises	enterprise	NOUN
fbem-26174	95	25	,	,	PUNCT
fbem-26174	95	26	88	88	NUM
fbem-26174	95	27	etc	etc	X
fbem-26174	95	28	.	.	X
fbem-26174	96	1	due	due	ADP
fbem-26174	96	2	to	to	ADP
fbem-26174	96	3	their	their	PRON
fbem-26174	96	4	possession	possession	NOUN
fbem-26174	96	5	of	of	ADP
fbem-26174	96	6	a	a	DET
fbem-26174	96	7	large	large	ADJ
fbem-26174	96	8	amount	amount	NOUN
fbem-26174	96	9	of	of	ADP
fbem-26174	96	10	user	user	NOUN
fbem-26174	96	11	data	datum	NOUN
fbem-26174	96	12	and	and	CCONJ
fbem-26174	96	13	capital	capital	NOUN
fbem-26174	96	14	,	,	PUNCT
fbem-26174	96	15	these	these	DET
fbem-26174	96	16	subjects	subject	NOUN
fbem-26174	96	17	have	have	VERB
fbem-26174	96	18	a	a	DET
fbem-26174	96	19	significant	significant	ADJ
fbem-26174	96	20	advantage	advantage	NOUN
fbem-26174	96	21	in	in	ADP
fbem-26174	96	22	market	market	NOUN
fbem-26174	96	23	competition	competition	NOUN
fbem-26174	96	24	.	.	PUNCT
fbem-26174	97	1	however	however	ADV
fbem-26174	97	2	,	,	PUNCT
fbem-26174	97	3	the	the	DET
fbem-26174	97	4	rapid	rapid	ADJ
fbem-26174	97	5	development	development	NOUN
fbem-26174	97	6	and	and	CCONJ
fbem-26174	97	7	innovation	innovation	NOUN
fbem-26174	97	8	of	of	ADP
fbem-26174	97	9	fintech	fintech	NOUN
fbem-26174	97	10	has	have	AUX
fbem-26174	97	11	made	make	VERB
fbem-26174	97	12	legislation	legislation	NOUN
fbem-26174	97	13	and	and	CCONJ
fbem-26174	97	14	law	law	NOUN
fbem-26174	97	15	enforcement	enforcement	NOUN
fbem-26174	97	16	unable	unable	ADJ
fbem-26174	97	17	to	to	PART
fbem-26174	97	18	keep	keep	VERB
fbem-26174	97	19	up	up	ADP
fbem-26174	97	20	with	with	ADP
fbem-26174	97	21	the	the	DET
fbem-26174	97	22	pace	pace	NOUN
fbem-26174	97	23	of	of	ADP
fbem-26174	97	24	change	change	NOUN
fbem-26174	97	25	,	,	PUNCT
fbem-26174	97	26	resulting	result	VERB
fbem-26174	97	27	in	in	ADP
fbem-26174	97	28	lags	lag	NOUN
fbem-26174	97	29	and	and	CCONJ
fbem-26174	97	30	deficiencies	deficiency	NOUN
fbem-26174	97	31	in	in	ADP
fbem-26174	97	32	the	the	DET
fbem-26174	97	33	corresponding	corresponding	ADJ
fbem-26174	97	34	legal	legal	ADJ
fbem-26174	97	35	and	and	CCONJ
fbem-26174	97	36	regulatory	regulatory	ADJ
fbem-26174	97	37	frameworks	framework	NOUN
fbem-26174	97	38	.	.	PUNCT
fbem-26174	98	1	due	due	ADP
fbem-26174	98	2	to	to	ADP
fbem-26174	98	3	the	the	DET
fbem-26174	98	4	low	low	ADJ
fbem-26174	98	5	cost	cost	NOUN
fbem-26174	98	6	of	of	ADP
fbem-26174	98	7	compliance	compliance	NOUN
fbem-26174	98	8	,	,	PUNCT
fbem-26174	98	9	these	these	DET
fbem-26174	98	10	business	business	NOUN
fbem-26174	98	11	entities	entity	NOUN
fbem-26174	98	12	may	may	AUX
fbem-26174	98	13	be	be	AUX
fbem-26174	98	14	induced	induce	VERB
fbem-26174	98	15	to	to	PART
fbem-26174	98	16	engage	engage	VERB
fbem-26174	98	17	in	in	ADP
fbem-26174	98	18	unlawful	unlawful	ADJ
fbem-26174	98	19	behaviours	behaviour	NOUN
fbem-26174	98	20	in	in	ADP
fbem-26174	98	21	order	order	NOUN
fbem-26174	98	22	to	to	PART
fbem-26174	98	23	seek	seek	VERB
fbem-26174	98	24	greater	great	ADJ
fbem-26174	98	25	economic	economic	ADJ
fbem-26174	98	26	benefits	benefit	NOUN
fbem-26174	98	27	.	.	PUNCT
fbem-26174	99	1	for	for	ADP
fbem-26174	99	2	example	example	NOUN
fbem-26174	99	3	,	,	PUNCT
fbem-26174	99	4	some	some	DET
fbem-26174	99	5	internet	internet	NOUN
fbem-26174	99	6	financial	financial	ADJ
fbem-26174	99	7	platforms	platform	NOUN
fbem-26174	99	8	may	may	AUX
fbem-26174	99	9	obtain	obtain	VERB
fbem-26174	99	10	user	user	NOUN
fbem-26174	99	11	data	datum	NOUN
fbem-26174	99	12	through	through	ADP
fbem-26174	99	13	improper	improper	ADJ
fbem-26174	99	14	means	mean	NOUN
fbem-26174	99	15	or	or	CCONJ
fbem-26174	99	16	conduct	conduct	VERB
fbem-26174	99	17	unauthorised	unauthorised	ADJ
fbem-26174	99	18	financial	financial	ADJ
fbem-26174	99	19	business	business	NOUN
fbem-26174	99	20	,	,	PUNCT
fbem-26174	99	21	causing	cause	VERB
fbem-26174	99	22	chaos	chaos	NOUN
fbem-26174	99	23	in	in	ADP
fbem-26174	99	24	the	the	DET
fbem-26174	99	25	market	market	NOUN
fbem-26174	99	26	order	order	NOUN
fbem-26174	99	27	and	and	CCONJ
fbem-26174	99	28	damage	damage	NOUN
fbem-26174	99	29	to	to	ADP
fbem-26174	99	30	consumer	consumer	NOUN
fbem-26174	99	31	rights	right	NOUN
fbem-26174	99	32	and	and	CCONJ
fbem-26174	99	33	interests	interest	NOUN
fbem-26174	99	34	.	.	PUNCT
fbem-26174	100	1	secondly	secondly	ADV
fbem-26174	100	2	,	,	PUNCT
fbem-26174	100	3	fintech	fintech	NOUN
fbem-26174	100	4	consumer	consumer	NOUN
fbem-26174	100	5	subjects	subject	NOUN
fbem-26174	100	6	are	be	AUX
fbem-26174	100	7	often	often	ADV
fbem-26174	100	8	in	in	ADP
fbem-26174	100	9	a	a	DET
fbem-26174	100	10	relatively	relatively	ADV
fbem-26174	100	11	weak	weak	ADJ
fbem-26174	100	12	position	position	NOUN
fbem-26174	100	13	.	.	PUNCT
fbem-26174	101	1	in	in	ADP
fbem-26174	101	2	the	the	DET
fbem-26174	101	3	face	face	NOUN
fbem-26174	101	4	of	of	ADP
fbem-26174	101	5	strong	strong	ADJ
fbem-26174	101	6	business	business	NOUN
fbem-26174	101	7	entities	entity	NOUN
fbem-26174	101	8	,	,	PUNCT
fbem-26174	101	9	the	the	DET
fbem-26174	101	10	legitimate	legitimate	ADJ
fbem-26174	101	11	rights	right	NOUN
fbem-26174	101	12	and	and	CCONJ
fbem-26174	101	13	interests	interest	NOUN
fbem-26174	101	14	of	of	ADP
fbem-26174	101	15	fintech	fintech	NOUN
fbem-26174	101	16	consumers	consumer	NOUN
fbem-26174	101	17	are	be	AUX
fbem-26174	101	18	difficult	difficult	ADJ
fbem-26174	101	19	to	to	PART
fbem-26174	101	20	be	be	AUX
fbem-26174	101	21	effectively	effectively	ADV
fbem-26174	101	22	protected	protect	VERB
fbem-26174	101	23	.	.	PUNCT
fbem-26174	102	1	this	this	DET
fbem-26174	102	2	vulnerable	vulnerable	ADJ
fbem-26174	102	3	position	position	NOUN
fbem-26174	102	4	is	be	AUX
fbem-26174	102	5	not	not	PART
fbem-26174	102	6	only	only	ADV
fbem-26174	102	7	reflected	reflect	VERB
fbem-26174	102	8	in	in	ADP
fbem-26174	102	9	the	the	DET
fbem-26174	102	10	asymmetry	asymmetry	NOUN
fbem-26174	102	11	of	of	ADP
fbem-26174	102	12	information	information	NOUN
fbem-26174	102	13	,	,	PUNCT
fbem-26174	102	14	but	but	CCONJ
fbem-26174	102	15	also	also	ADV
fbem-26174	102	16	in	in	ADP
fbem-26174	102	17	the	the	DET
fbem-26174	102	18	lack	lack	NOUN
fbem-26174	102	19	of	of	ADP
fbem-26174	102	20	legal	legal	ADJ
fbem-26174	102	21	protection	protection	NOUN
fbem-26174	102	22	and	and	CCONJ
fbem-26174	102	23	insufficient	insufficient	ADJ
fbem-26174	102	24	enforcement	enforcement	NOUN
fbem-26174	102	25	.	.	PUNCT
fbem-26174	103	1	due	due	ADP
fbem-26174	103	2	to	to	ADP
fbem-26174	103	3	the	the	DET
fbem-26174	103	4	complexity	complexity	NOUN
fbem-26174	103	5	and	and	CCONJ
fbem-26174	103	6	technicality	technicality	NOUN
fbem-26174	103	7	of	of	ADP
fbem-26174	103	8	fintech	fintech	NOUN
fbem-26174	103	9	products	product	NOUN
fbem-26174	103	10	and	and	CCONJ
fbem-26174	103	11	services	service	NOUN
fbem-26174	103	12	,	,	PUNCT
fbem-26174	103	13	it	it	PRON
fbem-26174	103	14	is	be	AUX
fbem-26174	103	15	often	often	ADV
fbem-26174	103	16	difficult	difficult	ADJ
fbem-26174	103	17	for	for	SCONJ
fbem-26174	103	18	consumers	consumer	NOUN
fbem-26174	103	19	to	to	PART
fbem-26174	103	20	fully	fully	ADV
fbem-26174	103	21	understand	understand	VERB
fbem-26174	103	22	their	their	PRON
fbem-26174	103	23	risks	risk	NOUN
fbem-26174	103	24	and	and	CCONJ
fbem-26174	103	25	rights	right	NOUN
fbem-26174	103	26	,	,	PUNCT
fbem-26174	103	27	increasing	increase	VERB
fbem-26174	103	28	their	their	PRON
fbem-26174	103	29	compliance	compliance	NOUN
fbem-26174	103	30	costs	cost	NOUN
fbem-26174	103	31	and	and	CCONJ
fbem-26174	103	32	risks	risk	NOUN
fbem-26174	103	33	.	.	PUNCT
fbem-26174	104	1	for	for	ADP
fbem-26174	104	2	example	example	NOUN
fbem-26174	104	3	,	,	PUNCT
fbem-26174	104	4	some	some	DET
fbem-26174	104	5	fintech	fintech	NOUN
fbem-26174	104	6	products	product	NOUN
fbem-26174	104	7	may	may	AUX
fbem-26174	104	8	imply	imply	VERB
fbem-26174	104	9	high	high	ADJ
fbem-26174	104	10	risks	risk	NOUN
fbem-26174	104	11	,	,	PUNCT
fbem-26174	104	12	and	and	CCONJ
fbem-26174	104	13	ordinary	ordinary	ADJ
fbem-26174	104	14	consumers	consumer	NOUN
fbem-26174	104	15	fail	fail	VERB
fbem-26174	104	16	to	to	PART
fbem-26174	104	17	fully	fully	ADV
fbem-26174	104	18	understand	understand	VERB
fbem-26174	104	19	their	their	PRON
fbem-26174	104	20	risks	risk	NOUN
fbem-26174	104	21	at	at	ADP
fbem-26174	104	22	the	the	DET
fbem-26174	104	23	time	time	NOUN
fbem-26174	104	24	of	of	ADP
fbem-26174	104	25	purchase	purchase	NOUN
fbem-26174	104	26	,	,	PUNCT
fbem-26174	104	27	making	make	VERB
fbem-26174	104	28	it	it	PRON
fbem-26174	104	29	difficult	difficult	ADJ
fbem-26174	104	30	for	for	SCONJ
fbem-26174	104	31	them	they	PRON
fbem-26174	104	32	to	to	PART
fbem-26174	104	33	defend	defend	VERB
fbem-26174	104	34	their	their	PRON
fbem-26174	104	35	rights	right	NOUN
fbem-26174	104	36	when	when	SCONJ
fbem-26174	104	37	problems	problem	NOUN
fbem-26174	104	38	arise	arise	VERB
fbem-26174	104	39	.	.	PUNCT
fbem-26174	105	1	for	for	ADP
fbem-26174	105	2	example	example	NOUN
fbem-26174	105	3	,	,	PUNCT
fbem-26174	105	4	some	some	DET
fbem-26174	105	5	fintech	fintech	NOUN
fbem-26174	105	6	services	service	NOUN
fbem-26174	105	7	may	may	AUX
fbem-26174	105	8	violate	violate	VERB
fbem-26174	105	9	consumers	consumer	NOUN
fbem-26174	105	10	'	'	PART
fbem-26174	105	11	right	right	NOUN
fbem-26174	105	12	to	to	ADP
fbem-26174	105	13	privacy	privacy	NOUN
fbem-26174	105	14	or	or	CCONJ
fbem-26174	105	15	data	datum	NOUN
fbem-26174	105	16	protection	protection	NOUN
fbem-26174	105	17	in	in	ADP
fbem-26174	105	18	the	the	DET
fbem-26174	105	19	course	course	NOUN
fbem-26174	105	20	of	of	ADP
fbem-26174	105	21	their	their	PRON
fbem-26174	105	22	operations	operation	NOUN
fbem-26174	105	23	,	,	PUNCT
fbem-26174	105	24	but	but	CCONJ
fbem-26174	105	25	the	the	DET
fbem-26174	105	26	process	process	NOUN
fbem-26174	105	27	of	of	ADP
fbem-26174	105	28	defending	defend	VERB
fbem-26174	105	29	their	their	PRON
fbem-26174	105	30	rights	right	NOUN
fbem-26174	105	31	is	be	AUX
fbem-26174	105	32	often	often	ADV
fbem-26174	105	33	difficult	difficult	ADJ
fbem-26174	105	34	because	because	SCONJ
fbem-26174	105	35	consumers	consumer	NOUN
fbem-26174	105	36	have	have	VERB
fbem-26174	105	37	difficulties	difficulty	NOUN
fbem-26174	105	38	in	in	ADP
fbem-26174	105	39	acquiring	acquire	VERB
fbem-26174	105	40	sufficient	sufficient	ADJ
fbem-26174	105	41	evidence	evidence	NOUN
fbem-26174	105	42	and	and	CCONJ
fbem-26174	105	43	legal	legal	ADJ
fbem-26174	105	44	knowledge	knowledge	NOUN
fbem-26174	105	45	.	.	PUNCT
fbem-26174	106	1	further	far	ADV
fbem-26174	106	2	analysed	analyse	VERB
fbem-26174	106	3	,	,	PUNCT
fbem-26174	106	4	the	the	DET
fbem-26174	106	5	compliance	compliance	NOUN
fbem-26174	106	6	risk	risk	NOUN
fbem-26174	106	7	is	be	AUX
fbem-26174	106	8	also	also	ADV
fbem-26174	106	9	closely	closely	ADV
fbem-26174	106	10	related	relate	VERB
fbem-26174	106	11	to	to	ADP
fbem-26174	106	12	the	the	DET
fbem-26174	106	13	regulatory	regulatory	ADJ
fbem-26174	106	14	environment	environment	NOUN
fbem-26174	106	15	of	of	ADP
fbem-26174	106	16	fintech	fintech	NOUN
fbem-26174	106	17	.	.	PUNCT
fbem-26174	107	1	currently	currently	ADV
fbem-26174	107	2	,	,	PUNCT
fbem-26174	107	3	the	the	DET
fbem-26174	107	4	regulatory	regulatory	ADJ
fbem-26174	107	5	framework	framework	NOUN
fbem-26174	107	6	for	for	ADP
fbem-26174	107	7	fintech	fintech	NOUN
fbem-26174	107	8	has	have	AUX
fbem-26174	107	9	not	not	PART
fbem-26174	107	10	yet	yet	ADV
fbem-26174	107	11	formed	form	VERB
fbem-26174	107	12	a	a	DET
fbem-26174	107	13	unified	unified	ADJ
fbem-26174	107	14	standard	standard	NOUN
fbem-26174	107	15	globally	globally	ADV
fbem-26174	107	16	,	,	PUNCT
fbem-26174	107	17	and	and	CCONJ
fbem-26174	107	18	there	there	PRON
fbem-26174	107	19	are	be	VERB
fbem-26174	107	20	significant	significant	ADJ
fbem-26174	107	21	differences	difference	NOUN
fbem-26174	107	22	in	in	ADP
fbem-26174	107	23	legislation	legislation	NOUN
fbem-26174	107	24	and	and	CCONJ
fbem-26174	107	25	regulation	regulation	NOUN
fbem-26174	107	26	among	among	ADP
fbem-26174	107	27	countries	country	NOUN
fbem-26174	107	28	.	.	PUNCT
fbem-26174	108	1	such	such	ADJ
fbem-26174	108	2	differences	difference	NOUN
fbem-26174	108	3	not	not	PART
fbem-26174	108	4	only	only	ADV
fbem-26174	108	5	increase	increase	VERB
fbem-26174	108	6	the	the	DET
fbem-26174	108	7	compliance	compliance	NOUN
fbem-26174	108	8	difficulty	difficulty	NOUN
fbem-26174	108	9	of	of	ADP
fbem-26174	108	10	multinational	multinational	ADJ
fbem-26174	108	11	fintech	fintech	NOUN
fbem-26174	108	12	enterprises	enterprise	NOUN
fbem-26174	108	13	,	,	PUNCT
fbem-26174	108	14	but	but	CCONJ
fbem-26174	108	15	also	also	ADV
fbem-26174	108	16	increase	increase	VERB
fbem-26174	108	17	the	the	DET
fbem-26174	108	18	compliance	compliance	NOUN
fbem-26174	108	19	risk	risk	NOUN
fbem-26174	108	20	.	.	PUNCT
fbem-26174	109	1	for	for	ADP
fbem-26174	109	2	example	example	NOUN
fbem-26174	109	3	,	,	PUNCT
fbem-26174	109	4	in	in	ADP
fbem-26174	109	5	terms	term	NOUN
fbem-26174	109	6	of	of	ADP
fbem-26174	109	7	data	data	NOUN
fbem-26174	109	8	protection	protection	NOUN
fbem-26174	109	9	,	,	PUNCT
fbem-26174	109	10	there	there	PRON
fbem-26174	109	11	are	be	VERB
fbem-26174	109	12	significant	significant	ADJ
fbem-26174	109	13	differences	difference	NOUN
fbem-26174	109	14	between	between	ADP
fbem-26174	109	15	the	the	DET
fbem-26174	109	16	eu	eu	PROPN
fbem-26174	109	17	's	's	PART
fbem-26174	109	18	general	general	ADJ
fbem-26174	109	19	data	datum	NOUN
fbem-26174	109	20	protection	protection	NOUN
fbem-26174	109	21	regulation	regulation	NOUN
fbem-26174	109	22	(	(	PUNCT
fbem-26174	109	23	gdpr	gdpr	NOUN
fbem-26174	109	24	)	)	PUNCT
fbem-26174	109	25	and	and	CCONJ
fbem-26174	109	26	the	the	DET
fbem-26174	109	27	u.s	u.s	PROPN
fbem-26174	109	28	.	.	PROPN
fbem-26174	109	29	consumer	consumer	PROPN
fbem-26174	109	30	privacy	privacy	PROPN
fbem-26174	109	31	act	act	PROPN
fbem-26174	109	32	(	(	PUNCT
fbem-26174	109	33	ccpa	ccpa	NOUN
fbem-26174	109	34	)	)	PUNCT
fbem-26174	109	35	,	,	PUNCT
fbem-26174	109	36	which	which	PRON
fbem-26174	109	37	require	require	VERB
fbem-26174	109	38	multinational	multinational	ADJ
fbem-26174	109	39	enterprises	enterprise	NOUN
fbem-26174	109	40	to	to	PART
fbem-26174	109	41	follow	follow	VERB
fbem-26174	109	42	different	different	ADJ
fbem-26174	109	43	legal	legal	ADJ
fbem-26174	109	44	norms	norm	NOUN
fbem-26174	109	45	when	when	SCONJ
fbem-26174	109	46	operating	operate	VERB
fbem-26174	109	47	in	in	ADP
fbem-26174	109	48	different	different	ADJ
fbem-26174	109	49	markets	market	NOUN
fbem-26174	109	50	,	,	PUNCT
fbem-26174	109	51	increasing	increase	VERB
fbem-26174	109	52	compliance	compliance	NOUN
fbem-26174	109	53	costs	cost	NOUN
fbem-26174	109	54	and	and	CCONJ
fbem-26174	109	55	risks	risk	NOUN
fbem-26174	109	56	.	.	PUNCT
fbem-26174	110	1	in	in	ADP
fbem-26174	110	2	addition	addition	NOUN
fbem-26174	110	3	,	,	PUNCT
fbem-26174	110	4	weak	weak	ADJ
fbem-26174	110	5	regulation	regulation	NOUN
fbem-26174	110	6	or	or	CCONJ
fbem-26174	110	7	even	even	ADV
fbem-26174	110	8	regulatory	regulatory	ADJ
fbem-26174	110	9	loopholes	loophole	NOUN
fbem-26174	110	10	in	in	ADP
fbem-26174	110	11	some	some	DET
fbem-26174	110	12	countries	country	NOUN
fbem-26174	110	13	and	and	CCONJ
fbem-26174	110	14	regions	region	NOUN
fbem-26174	110	15	have	have	AUX
fbem-26174	110	16	allowed	allow	VERB
fbem-26174	110	17	unscrupulous	unscrupulous	ADJ
fbem-26174	110	18	elements	element	NOUN
fbem-26174	110	19	to	to	PART
fbem-26174	110	20	take	take	VERB
fbem-26174	110	21	advantage	advantage	NOUN
fbem-26174	110	22	of	of	ADP
fbem-26174	110	23	the	the	DET
fbem-26174	110	24	situation	situation	NOUN
fbem-26174	110	25	and	and	CCONJ
fbem-26174	110	26	carry	carry	VERB
fbem-26174	110	27	out	out	ADP
fbem-26174	110	28	illegal	illegal	ADJ
fbem-26174	110	29	and	and	CCONJ
fbem-26174	110	30	criminal	criminal	ADJ
fbem-26174	110	31	activities	activity	NOUN
fbem-26174	110	32	through	through	ADP
fbem-26174	110	33	fintech	fintech	NOUN
fbem-26174	110	34	means	mean	NOUN
fbem-26174	110	35	,	,	PUNCT
fbem-26174	110	36	further	far	ADV
fbem-26174	110	37	exacerbating	exacerbate	VERB
fbem-26174	110	38	compliance	compliance	NOUN
fbem-26174	110	39	risks	risk	NOUN
fbem-26174	110	40	.	.	PUNCT
fbem-26174	111	1	4	4	X
fbem-26174	111	2	.	.	X
fbem-26174	111	3	response	response	NOUN
fbem-26174	111	4	to	to	ADP
fbem-26174	111	5	legal	legal	ADJ
fbem-26174	111	6	risks	risk	NOUN
fbem-26174	111	7	of	of	ADP
fbem-26174	111	8	fintech	fintech	NOUN
fbem-26174	111	9	4.1	4.1	NUM
fbem-26174	111	10	.	.	PUNCT
fbem-26174	112	1	improve	improve	VERB
fbem-26174	112	2	top	top	ADJ
fbem-26174	112	3	-	-	PUNCT
fbem-26174	112	4	level	level	NOUN
fbem-26174	112	5	design	design	NOUN
fbem-26174	112	6	and	and	CCONJ
fbem-26174	112	7	establish	establish	VERB
fbem-26174	112	8	a	a	DET
fbem-26174	112	9	sound	sound	ADJ
fbem-26174	112	10	legal	legal	ADJ
fbem-26174	112	11	and	and	CCONJ
fbem-26174	112	12	regulatory	regulatory	ADJ
fbem-26174	112	13	system	system	NOUN
fbem-26174	112	14	firstly	firstly	ADV
fbem-26174	112	15	,	,	PUNCT
fbem-26174	112	16	based	base	VERB
fbem-26174	112	17	on	on	ADP
fbem-26174	112	18	the	the	DET
fbem-26174	112	19	national	national	ADJ
fbem-26174	112	20	policy	policy	NOUN
fbem-26174	112	21	orientation	orientation	NOUN
fbem-26174	112	22	,	,	PUNCT
fbem-26174	112	23	based	base	VERB
fbem-26174	112	24	on	on	ADP
fbem-26174	112	25	the	the	DET
fbem-26174	112	26	actual	actual	ADJ
fbem-26174	112	27	needs	need	NOUN
fbem-26174	112	28	of	of	ADP
fbem-26174	112	29	financial	financial	ADJ
fbem-26174	112	30	development	development	NOUN
fbem-26174	112	31	,	,	PUNCT
fbem-26174	112	32	improve	improve	VERB
fbem-26174	112	33	the	the	DET
fbem-26174	112	34	regulatory	regulatory	ADJ
fbem-26174	112	35	policy	policy	NOUN
fbem-26174	112	36	of	of	ADP
fbem-26174	112	37	fintech	fintech	NOUN
fbem-26174	112	38	to	to	PART
fbem-26174	112	39	achieve	achieve	VERB
fbem-26174	112	40	a	a	DET
fbem-26174	112	41	balance	balance	NOUN
fbem-26174	112	42	between	between	ADP
fbem-26174	112	43	innovation	innovation	NOUN
fbem-26174	112	44	and	and	CCONJ
fbem-26174	112	45	risk	risk	NOUN
fbem-26174	112	46	.	.	PUNCT
fbem-26174	113	1	it	it	PRON
fbem-26174	113	2	is	be	AUX
fbem-26174	113	3	necessary	necessary	ADJ
fbem-26174	113	4	to	to	PART
fbem-26174	113	5	clarify	clarify	VERB
fbem-26174	113	6	the	the	DET
fbem-26174	113	7	positioning	positioning	NOUN
fbem-26174	113	8	of	of	ADP
fbem-26174	113	9	fintech	fintech	NOUN
fbem-26174	113	10	,	,	PUNCT
fbem-26174	113	11	recognise	recognise	VERB
fbem-26174	113	12	the	the	DET
fbem-26174	113	13	financial	financial	ADJ
fbem-26174	113	14	attributes	attribute	NOUN
fbem-26174	113	15	of	of	ADP
fbem-26174	113	16	fintech	fintech	NOUN
fbem-26174	113	17	-	-	PUNCT
fbem-26174	113	18	the	the	DET
fbem-26174	113	19	fundamental	fundamental	ADJ
fbem-26174	113	20	goal	goal	NOUN
fbem-26174	113	21	is	be	AUX
fbem-26174	113	22	to	to	PART
fbem-26174	113	23	achieve	achieve	VERB
fbem-26174	113	24	financial	financial	ADJ
fbem-26174	113	25	inclusion	inclusion	NOUN
fbem-26174	113	26	and	and	CCONJ
fbem-26174	113	27	serve	serve	VERB
fbem-26174	113	28	the	the	DET
fbem-26174	113	29	real	real	ADJ
fbem-26174	113	30	economy	economy	NOUN
fbem-26174	113	31	,	,	PUNCT
fbem-26174	113	32	and	and	CCONJ
fbem-26174	113	33	accelerate	accelerate	VERB
fbem-26174	113	34	the	the	DET
fbem-26174	113	35	pace	pace	NOUN
fbem-26174	113	36	of	of	ADP
fbem-26174	113	37	innovation	innovation	NOUN
fbem-26174	113	38	in	in	ADP
fbem-26174	113	39	the	the	DET
fbem-26174	113	40	field	field	NOUN
fbem-26174	113	41	of	of	ADP
fbem-26174	113	42	fintech	fintech	NOUN
fbem-26174	113	43	.	.	PUNCT
fbem-26174	114	1	it	it	PRON
fbem-26174	114	2	is	be	AUX
fbem-26174	114	3	necessary	necessary	ADJ
fbem-26174	114	4	to	to	PART
fbem-26174	114	5	establish	establish	VERB
fbem-26174	114	6	the	the	DET
fbem-26174	114	7	concept	concept	NOUN
fbem-26174	114	8	of	of	ADP
fbem-26174	114	9	fintech	fintech	NOUN
fbem-26174	114	10	regulation	regulation	NOUN
fbem-26174	114	11	,	,	PUNCT
fbem-26174	114	12	clarify	clarify	VERB
fbem-26174	114	13	the	the	DET
fbem-26174	114	14	principles	principle	NOUN
fbem-26174	114	15	of	of	ADP
fbem-26174	114	16	supervision	supervision	NOUN
fbem-26174	114	17	and	and	CCONJ
fbem-26174	114	18	the	the	DET
fbem-26174	114	19	division	division	NOUN
fbem-26174	114	20	of	of	ADP
fbem-26174	114	21	responsibilities	responsibility	NOUN
fbem-26174	114	22	among	among	ADP
fbem-26174	114	23	the	the	DET
fbem-26174	114	24	functional	functional	ADJ
fbem-26174	114	25	departments	department	NOUN
fbem-26174	114	26	of	of	ADP
fbem-26174	114	27	financial	financial	ADJ
fbem-26174	114	28	supervision	supervision	NOUN
fbem-26174	114	29	,	,	PUNCT
fbem-26174	114	30	strengthen	strengthen	VERB
fbem-26174	114	31	the	the	DET
fbem-26174	114	32	construction	construction	NOUN
fbem-26174	114	33	of	of	ADP
fbem-26174	114	34	the	the	DET
fbem-26174	114	35	system	system	NOUN
fbem-26174	114	36	,	,	PUNCT
fbem-26174	114	37	improve	improve	VERB
fbem-26174	114	38	the	the	DET
fbem-26174	114	39	cooperation	cooperation	NOUN
fbem-26174	114	40	and	and	CCONJ
fbem-26174	114	41	coordination	coordination	NOUN
fbem-26174	114	42	mechanism	mechanism	NOUN
fbem-26174	114	43	among	among	ADP
fbem-26174	114	44	various	various	ADJ
fbem-26174	114	45	departments	department	NOUN
fbem-26174	114	46	,	,	PUNCT
fbem-26174	114	47	and	and	CCONJ
fbem-26174	114	48	continuously	continuously	ADV
fbem-26174	114	49	deepen	deepen	VERB
fbem-26174	114	50	the	the	DET
fbem-26174	114	51	institutional	institutional	ADJ
fbem-26174	114	52	mechanism	mechanism	NOUN
fbem-26174	114	53	and	and	CCONJ
fbem-26174	114	54	service	service	NOUN
fbem-26174	114	55	innovation	innovation	NOUN
fbem-26174	114	56	of	of	ADP
fbem-26174	114	57	the	the	DET
fbem-26174	114	58	banking	banking	NOUN
fbem-26174	114	59	system	system	NOUN
fbem-26174	114	60	.	.	PUNCT
fbem-26174	115	1	to	to	PART
fbem-26174	115	2	build	build	VERB
fbem-26174	115	3	a	a	DET
fbem-26174	115	4	multi	multi	ADJ
fbem-26174	115	5	-	-	ADJ
fbem-26174	115	6	level	level	ADJ
fbem-26174	115	7	financial	financial	ADJ
fbem-26174	115	8	guarantee	guarantee	NOUN
fbem-26174	115	9	system	system	NOUN
fbem-26174	115	10	with	with	ADP
fbem-26174	115	11	the	the	DET
fbem-26174	115	12	government	government	NOUN
fbem-26174	115	13	as	as	ADP
fbem-26174	115	14	the	the	DET
fbem-26174	115	15	main	main	ADJ
fbem-26174	115	16	body	body	NOUN
fbem-26174	115	17	,	,	PUNCT
fbem-26174	115	18	covering	cover	VERB
fbem-26174	115	19	the	the	DET
fbem-26174	115	20	combination	combination	NOUN
fbem-26174	115	21	of	of	ADP
fbem-26174	115	22	policy	policy	NOUN
fbem-26174	115	23	financial	financial	ADJ
fbem-26174	115	24	institutions	institution	NOUN
fbem-26174	115	25	and	and	CCONJ
fbem-26174	115	26	the	the	DET
fbem-26174	115	27	government	government	NOUN
fbem-26174	115	28	,	,	PUNCT
fbem-26174	115	29	the	the	DET
fbem-26174	115	30	central	central	ADJ
fbem-26174	115	31	and	and	CCONJ
fbem-26174	115	32	local	local	ADJ
fbem-26174	115	33	governments	government	NOUN
fbem-26174	115	34	,	,	PUNCT
fbem-26174	115	35	and	and	CCONJ
fbem-26174	115	36	guarantees	guarantee	NOUN
fbem-26174	115	37	and	and	CCONJ
fbem-26174	115	38	insurance	insurance	NOUN
fbem-26174	115	39	.	.	PUNCT
fbem-26174	116	1	second	second	ADV
fbem-26174	116	2	,	,	PUNCT
fbem-26174	116	3	establish	establish	VERB
fbem-26174	116	4	a	a	DET
fbem-26174	116	5	sound	sound	ADJ
fbem-26174	116	6	regulatory	regulatory	ADJ
fbem-26174	116	7	legal	legal	ADJ
fbem-26174	116	8	system	system	NOUN
fbem-26174	116	9	and	and	CCONJ
fbem-26174	116	10	norms	norm	NOUN
fbem-26174	116	11	to	to	PART
fbem-26174	116	12	form	form	VERB
fbem-26174	116	13	an	an	DET
fbem-26174	116	14	institutional	institutional	ADJ
fbem-26174	116	15	guarantee	guarantee	NOUN
fbem-26174	116	16	mechanism	mechanism	NOUN
fbem-26174	116	17	for	for	ADP
fbem-26174	116	18	fintech	fintech	NOUN
fbem-26174	116	19	.	.	PUNCT
fbem-26174	117	1	in	in	ADP
fbem-26174	117	2	recent	recent	ADJ
fbem-26174	117	3	years	year	NOUN
fbem-26174	117	4	,	,	PUNCT
fbem-26174	117	5	china	china	PROPN
fbem-26174	117	6	has	have	AUX
fbem-26174	117	7	introduced	introduce	VERB
fbem-26174	117	8	a	a	DET
fbem-26174	117	9	series	series	NOUN
fbem-26174	117	10	of	of	ADP
fbem-26174	117	11	internet	internet	NOUN
fbem-26174	117	12	-	-	PUNCT
fbem-26174	117	13	related	relate	VERB
fbem-26174	117	14	rules	rule	NOUN
fbem-26174	117	15	and	and	CCONJ
fbem-26174	117	16	regulations	regulation	NOUN
fbem-26174	117	17	to	to	PART
fbem-26174	117	18	effectively	effectively	ADV
fbem-26174	117	19	regulate	regulate	VERB
fbem-26174	117	20	the	the	DET
fbem-26174	117	21	operation	operation	NOUN
fbem-26174	117	22	of	of	ADP
fbem-26174	117	23	fintech	fintech	NOUN
fbem-26174	117	24	and	and	CCONJ
fbem-26174	117	25	provide	provide	VERB
fbem-26174	117	26	protection	protection	NOUN
fbem-26174	117	27	for	for	ADP
fbem-26174	117	28	the	the	DET
fbem-26174	117	29	stable	stable	ADJ
fbem-26174	117	30	development	development	NOUN
fbem-26174	117	31	of	of	ADP
fbem-26174	117	32	fintech	fintech	NOUN
fbem-26174	117	33	,	,	PUNCT
fbem-26174	117	34	but	but	CCONJ
fbem-26174	117	35	it	it	PRON
fbem-26174	117	36	still	still	ADV
fbem-26174	117	37	lacks	lack	VERB
fbem-26174	117	38	a	a	DET
fbem-26174	117	39	sound	sound	ADJ
fbem-26174	117	40	legal	legal	ADJ
fbem-26174	117	41	and	and	CCONJ
fbem-26174	117	42	regulatory	regulatory	ADJ
fbem-26174	117	43	system	system	NOUN
fbem-26174	117	44	.	.	PUNCT
fbem-26174	118	1	implementing	implement	VERB
fbem-26174	118	2	rules	rule	NOUN
fbem-26174	118	3	on	on	ADP
fbem-26174	118	4	consumer	consumer	NOUN
fbem-26174	118	5	rights	right	NOUN
fbem-26174	118	6	protection	protection	NOUN
fbem-26174	118	7	,	,	PUNCT
fbem-26174	118	8	fintech	fintech	NOUN
fbem-26174	118	9	certification	certification	NOUN
fbem-26174	118	10	,	,	PUNCT
fbem-26174	118	11	market	market	NOUN
fbem-26174	118	12	access	access	NOUN
fbem-26174	118	13	and	and	CCONJ
fbem-26174	118	14	exit	exit	NOUN
fbem-26174	118	15	should	should	AUX
fbem-26174	118	16	be	be	AUX
fbem-26174	118	17	formulated	formulate	VERB
fbem-26174	118	18	,	,	PUNCT
fbem-26174	118	19	a	a	DET
fbem-26174	118	20	mechanism	mechanism	NOUN
fbem-26174	118	21	for	for	ADP
fbem-26174	118	22	data	datum	NOUN
fbem-26174	118	23	and	and	CCONJ
fbem-26174	118	24	information	information	NOUN
fbem-26174	118	25	interconnection	interconnection	NOUN
fbem-26174	118	26	should	should	AUX
fbem-26174	118	27	be	be	AUX
fbem-26174	118	28	established	establish	VERB
fbem-26174	118	29	,	,	PUNCT
fbem-26174	118	30	and	and	CCONJ
fbem-26174	118	31	innovative	innovative	ADJ
fbem-26174	118	32	development	development	NOUN
fbem-26174	118	33	of	of	ADP
fbem-26174	118	34	internet	internet	NOUN
fbem-26174	118	35	financial	financial	ADJ
fbem-26174	118	36	credit	credit	NOUN
fbem-26174	118	37	assessment	assessment	NOUN
fbem-26174	118	38	technology	technology	NOUN
fbem-26174	118	39	and	and	CCONJ
fbem-26174	118	40	assessment	assessment	NOUN
fbem-26174	118	41	models	model	NOUN
fbem-26174	118	42	should	should	AUX
fbem-26174	118	43	be	be	AUX
fbem-26174	118	44	developed	develop	VERB
fbem-26174	118	45	.	.	PUNCT
fbem-26174	119	1	financial	financial	ADJ
fbem-26174	119	2	data	datum	NOUN
fbem-26174	119	3	standards	standard	NOUN
fbem-26174	119	4	should	should	AUX
fbem-26174	119	5	be	be	AUX
fbem-26174	119	6	formulated	formulate	VERB
fbem-26174	119	7	as	as	ADV
fbem-26174	119	8	soon	soon	ADV
fbem-26174	119	9	as	as	ADP
fbem-26174	119	10	possible	possible	ADJ
fbem-26174	119	11	,	,	PUNCT
fbem-26174	119	12	the	the	DET
fbem-26174	119	13	system	system	NOUN
fbem-26174	119	14	of	of	ADP
fbem-26174	119	15	credit	credit	NOUN
fbem-26174	119	16	bureaus	bureaus	NOUN
fbem-26174	119	17	should	should	AUX
fbem-26174	119	18	be	be	AUX
fbem-26174	119	19	improved	improve	VERB
fbem-26174	119	20	,	,	PUNCT
fbem-26174	119	21	the	the	DET
fbem-26174	119	22	development	development	NOUN
fbem-26174	119	23	of	of	ADP
fbem-26174	119	24	fintech	fintech	NOUN
fbem-26174	119	25	should	should	AUX
fbem-26174	119	26	be	be	AUX
fbem-26174	119	27	promoted	promote	VERB
fbem-26174	119	28	to	to	PART
fbem-26174	119	29	step	step	VERB
fbem-26174	119	30	into	into	ADP
fbem-26174	119	31	the	the	DET
fbem-26174	119	32	track	track	NOUN
fbem-26174	119	33	of	of	ADP
fbem-26174	119	34	the	the	DET
fbem-26174	119	35	rule	rule	NOUN
fbem-26174	119	36	of	of	ADP
fbem-26174	119	37	law	law	NOUN
fbem-26174	119	38	,	,	PUNCT
fbem-26174	119	39	and	and	CCONJ
fbem-26174	119	40	a	a	DET
fbem-26174	119	41	legal	legal	ADJ
fbem-26174	119	42	system	system	NOUN
fbem-26174	119	43	of	of	ADP
fbem-26174	119	44	government	government	NOUN
fbem-26174	119	45	supervision	supervision	NOUN
fbem-26174	119	46	,	,	PUNCT
fbem-26174	119	47	market	market	NOUN
fbem-26174	119	48	guidance	guidance	NOUN
fbem-26174	119	49	,	,	PUNCT
fbem-26174	119	50	and	and	CCONJ
fbem-26174	119	51	joint	joint	ADJ
fbem-26174	119	52	participation	participation	NOUN
fbem-26174	119	53	of	of	ADP
fbem-26174	119	54	technology	technology	NOUN
fbem-26174	119	55	enterprises	enterprise	NOUN
fbem-26174	119	56	and	and	CCONJ
fbem-26174	119	57	financial	financial	ADJ
fbem-26174	119	58	institutions	institution	NOUN
fbem-26174	119	59	should	should	AUX
fbem-26174	119	60	be	be	AUX
fbem-26174	119	61	gradually	gradually	ADV
fbem-26174	119	62	established	establish	VERB
fbem-26174	119	63	.	.	PUNCT
fbem-26174	120	1	ensure	ensure	VERB
fbem-26174	120	2	a	a	DET
fbem-26174	120	3	high	high	ADJ
fbem-26174	120	4	degree	degree	NOUN
fbem-26174	120	5	of	of	ADP
fbem-26174	120	6	transparency	transparency	NOUN
fbem-26174	120	7	for	for	ADP
fbem-26174	120	8	industry	industry	NOUN
fbem-26174	120	9	participants	participant	NOUN
fbem-26174	120	10	and	and	CCONJ
fbem-26174	120	11	consumers	consumer	NOUN
fbem-26174	120	12	,	,	PUNCT
fbem-26174	120	13	raise	raise	VERB
fbem-26174	120	14	the	the	DET
fbem-26174	120	15	cost	cost	NOUN
fbem-26174	120	16	of	of	ADP
fbem-26174	120	17	violating	violate	VERB
fbem-26174	120	18	the	the	DET
fbem-26174	120	19	law	law	NOUN
fbem-26174	120	20	in	in	ADP
fbem-26174	120	21	fintech	fintech	NOUN
fbem-26174	120	22	,	,	PUNCT
fbem-26174	120	23	and	and	CCONJ
fbem-26174	120	24	minimise	minimise	NOUN
fbem-26174	120	25	financial	financial	ADJ
fbem-26174	120	26	risks	risk	NOUN
fbem-26174	120	27	.	.	PUNCT
fbem-26174	121	1	third	third	ADV
fbem-26174	121	2	,	,	PUNCT
fbem-26174	121	3	improve	improve	VERB
fbem-26174	121	4	the	the	DET
fbem-26174	121	5	financial	financial	ADJ
fbem-26174	121	6	regulatory	regulatory	ADJ
fbem-26174	121	7	system	system	NOUN
fbem-26174	121	8	,	,	PUNCT
fbem-26174	121	9	incorporate	incorporate	VERB
fbem-26174	121	10	fintech	fintech	NOUN
fbem-26174	121	11	into	into	ADP
fbem-26174	121	12	the	the	DET
fbem-26174	121	13	macro	macro	ADJ
fbem-26174	121	14	-	-	ADJ
fbem-26174	121	15	prudential	prudential	ADJ
fbem-26174	121	16	regulatory	regulatory	ADJ
fbem-26174	121	17	framework	framework	NOUN
fbem-26174	121	18	,	,	PUNCT
fbem-26174	121	19	establish	establish	VERB
fbem-26174	121	20	a	a	DET
fbem-26174	121	21	fintech	fintech	NOUN
fbem-26174	121	22	risk	risk	NOUN
fbem-26174	121	23	assessment	assessment	NOUN
fbem-26174	121	24	system	system	NOUN
fbem-26174	121	25	,	,	PUNCT
fbem-26174	121	26	grasp	grasp	VERB
fbem-26174	121	27	the	the	DET
fbem-26174	121	28	dynamics	dynamic	NOUN
fbem-26174	121	29	of	of	ADP
fbem-26174	121	30	fintech	fintech	NOUN
fbem-26174	121	31	in	in	ADP
fbem-26174	121	32	a	a	DET
fbem-26174	121	33	timely	timely	ADJ
fbem-26174	121	34	manner	manner	NOUN
fbem-26174	121	35	,	,	PUNCT
fbem-26174	121	36	and	and	CCONJ
fbem-26174	121	37	realise	realise	VERB
fbem-26174	121	38	risk	risk	NOUN
fbem-26174	121	39	early	early	ADJ
fbem-26174	121	40	warning	warning	NOUN
fbem-26174	121	41	,	,	PUNCT
fbem-26174	121	42	so	so	SCONJ
fbem-26174	121	43	as	as	SCONJ
fbem-26174	121	44	to	to	PART
fbem-26174	121	45	achieve	achieve	VERB
fbem-26174	121	46	early	early	ADJ
fbem-26174	121	47	discovery	discovery	NOUN
fbem-26174	121	48	,	,	PUNCT
fbem-26174	121	49	early	early	ADJ
fbem-26174	121	50	treatment	treatment	NOUN
fbem-26174	121	51	and	and	CCONJ
fbem-26174	121	52	early	early	ADJ
fbem-26174	121	53	resolution	resolution	NOUN
fbem-26174	121	54	.	.	PUNCT
fbem-26174	122	1	4.2	4.2	NUM
fbem-26174	122	2	.	.	PUNCT
fbem-26174	122	3	transform	transform	VERB
fbem-26174	122	4	the	the	DET
fbem-26174	122	5	regulatory	regulatory	ADJ
fbem-26174	122	6	approach	approach	NOUN
fbem-26174	122	7	to	to	PART
fbem-26174	122	8	achieve	achieve	VERB
fbem-26174	122	9	coordination	coordination	NOUN
fbem-26174	122	10	and	and	CCONJ
fbem-26174	122	11	harmonisation	harmonisation	NOUN
fbem-26174	122	12	of	of	ADP
fbem-26174	122	13	regulatory	regulatory	ADJ
fbem-26174	122	14	policies	policy	NOUN
fbem-26174	122	15	although	although	SCONJ
fbem-26174	122	16	there	there	PRON
fbem-26174	122	17	are	be	VERB
fbem-26174	122	18	differences	difference	NOUN
fbem-26174	122	19	between	between	ADP
fbem-26174	122	20	china	china	PROPN
fbem-26174	122	21	's	's	PART
fbem-26174	122	22	financial	financial	ADJ
fbem-26174	122	23	market	market	NOUN
fbem-26174	122	24	policies	policy	NOUN
fbem-26174	122	25	and	and	CCONJ
fbem-26174	122	26	institutional	institutional	ADJ
fbem-26174	122	27	mechanisms	mechanism	NOUN
fbem-26174	122	28	and	and	CCONJ
fbem-26174	122	29	those	those	PRON
fbem-26174	122	30	of	of	ADP
fbem-26174	122	31	developed	develop	VERB
fbem-26174	122	32	countries	country	NOUN
fbem-26174	122	33	in	in	ADP
fbem-26174	122	34	the	the	DET
fbem-26174	122	35	west	west	NOUN
fbem-26174	122	36	,	,	PUNCT
fbem-26174	122	37	it	it	PRON
fbem-26174	122	38	is	be	AUX
fbem-26174	122	39	possible	possible	ADJ
fbem-26174	122	40	to	to	PART
fbem-26174	122	41	draw	draw	VERB
fbem-26174	122	42	on	on	ADP
fbem-26174	122	43	the	the	DET
fbem-26174	122	44	basis	basis	NOUN
fbem-26174	122	45	of	of	ADP
fbem-26174	122	46	the	the	DET
fbem-26174	122	47	effective	effective	ADJ
fbem-26174	122	48	mechanism	mechanism	NOUN
fbem-26174	122	49	of	of	ADP
fbem-26174	122	50	the	the	DET
fbem-26174	122	51	‘	'	PUNCT
fbem-26174	122	52	regulatory	regulatory	ADJ
fbem-26174	122	53	sandbox	sandbox	NOUN
fbem-26174	122	54	’	'	PUNCT
fbem-26174	122	55	of	of	ADP
fbem-26174	122	56	developed	develop	VERB
fbem-26174	122	57	countries	country	NOUN
fbem-26174	122	58	such	such	ADJ
fbem-26174	122	59	as	as	ADP
fbem-26174	122	60	the	the	DET
fbem-26174	122	61	united	united	ADJ
fbem-26174	122	62	kingdom	kingdom	PROPN
fbem-26174	122	63	(	(	PUNCT
fbem-26174	122	64	bromberg	bromberg	PROPN
fbem-26174	122	65	,	,	PUNCT
fbem-26174	122	66	lev	lev	PROPN
fbem-26174	122	67	,	,	PUNCT
fbem-26174	122	68	andrew	andrew	PROPN
fbem-26174	122	69	godwin	godwin	PROPN
fbem-26174	122	70	,	,	PUNCT
fbem-26174	122	71	and	and	CCONJ
fbem-26174	122	72	ian	ian	PROPN
fbem-26174	122	73	ramsay	ramsay	PROPN
fbem-26174	122	74	,	,	PUNCT
fbem-26174	122	75	2017	2017	NUM
fbem-26174	122	76	)	)	PUNCT
fbem-26174	122	77	,	,	PUNCT
fbem-26174	122	78	improve	improve	VERB
fbem-26174	122	79	the	the	DET
fbem-26174	122	80	top	top	ADJ
fbem-26174	122	81	-	-	PUNCT
fbem-26174	122	82	level	level	NOUN
fbem-26174	122	83	design	design	NOUN
fbem-26174	122	84	of	of	ADP
fbem-26174	122	85	regulation	regulation	NOUN
fbem-26174	122	86	,	,	PUNCT
fbem-26174	122	87	integrate	integrate	VERB
fbem-26174	122	88	the	the	DET
fbem-26174	122	89	pilot	pilot	NOUN
fbem-26174	122	90	system	system	NOUN
fbem-26174	122	91	of	of	ADP
fbem-26174	122	92	financial	financial	ADJ
fbem-26174	122	93	reforms	reform	NOUN
fbem-26174	122	94	,	,	PUNCT
fbem-26174	122	95	and	and	CCONJ
fbem-26174	122	96	adopt	adopt	VERB
fbem-26174	122	97	the	the	DET
fbem-26174	122	98	principle	principle	NOUN
fbem-26174	122	99	of	of	ADP
fbem-26174	122	100	penetration	penetration	NOUN
fbem-26174	122	101	to	to	PART
fbem-26174	122	102	strengthen	strengthen	VERB
fbem-26174	122	103	the	the	DET
fbem-26174	122	104	regulation	regulation	NOUN
fbem-26174	122	105	of	of	ADP
fbem-26174	122	106	fintech	fintech	NOUN
fbem-26174	122	107	and	and	CCONJ
fbem-26174	122	108	walk	walk	VERB
fbem-26174	122	109	out	out	ADP
fbem-26174	122	110	of	of	ADP
fbem-26174	122	111	a	a	DET
fbem-26174	122	112	fine	fine	ADV
fbem-26174	122	113	-	-	PUNCT
fbem-26174	122	114	tuned	tune	VERB
fbem-26174	122	115	,	,	PUNCT
fbem-26174	122	116	specialised	specialised	ADJ
fbem-26174	122	117	and	and	CCONJ
fbem-26174	122	118	differentiated	differentiated	ADJ
fbem-26174	122	119	road	road	NOUN
fbem-26174	122	120	to	to	ADP
fbem-26174	122	121	the	the	DET
fbem-26174	122	122	development	development	NOUN
fbem-26174	122	123	of	of	ADP
fbem-26174	122	124	fintech	fintech	NOUN
fbem-26174	122	125	.	.	PUNCT
fbem-26174	123	1	fintech	fintech	NOUN
fbem-26174	123	2	development	development	NOUN
fbem-26174	123	3	road	road	NOUN
fbem-26174	123	4	.	.	PUNCT
fbem-26174	124	1	at	at	ADP
fbem-26174	124	2	the	the	DET
fbem-26174	124	3	regulatory	regulatory	ADJ
fbem-26174	124	4	level	level	NOUN
fbem-26174	124	5	,	,	PUNCT
fbem-26174	124	6	first	first	ADV
fbem-26174	124	7	,	,	PUNCT
fbem-26174	124	8	regulators	regulator	NOUN
fbem-26174	124	9	should	should	AUX
fbem-26174	124	10	apply	apply	VERB
fbem-26174	124	11	regulatory	regulatory	ADJ
fbem-26174	124	12	technology	technology	NOUN
fbem-26174	124	13	to	to	ADP
fbem-26174	124	14	the	the	DET
fbem-26174	124	15	whole	whole	ADJ
fbem-26174	124	16	process	process	NOUN
fbem-26174	124	17	of	of	ADP
fbem-26174	124	18	fintech	fintech	NOUN
fbem-26174	124	19	compliance	compliance	NOUN
fbem-26174	124	20	(	(	PUNCT
fbem-26174	124	21	adeoye	adeoye	PROPN
fbem-26174	124	22	,	,	PUNCT
fbem-26174	124	23	omotoya	omotoya	PROPN
fbem-26174	124	24	bukola	bukola	PROPN
fbem-26174	124	25	,	,	PUNCT
fbem-26174	124	26	et	et	PROPN
fbem-26174	124	27	al	al	PROPN
fbem-26174	124	28	,	,	PUNCT
fbem-26174	124	29	2024	2024	NUM
fbem-26174	124	30	)	)	PUNCT
fbem-26174	124	31	,	,	PUNCT
fbem-26174	124	32	achieve	achieve	VERB
fbem-26174	124	33	real	real	ADJ
fbem-26174	124	34	-	-	PUNCT
fbem-26174	124	35	time	time	NOUN
fbem-26174	124	36	monitoring	monitoring	NOUN
fbem-26174	124	37	of	of	ADP
fbem-26174	124	38	financial	financial	ADJ
fbem-26174	124	39	institutions	institution	NOUN
fbem-26174	124	40	by	by	ADP
fbem-26174	124	41	collecting	collect	VERB
fbem-26174	124	42	risk	risk	NOUN
fbem-26174	124	43	data	datum	NOUN
fbem-26174	124	44	,	,	PUNCT
fbem-26174	124	45	analysing	analyse	VERB
fbem-26174	124	46	and	and	CCONJ
fbem-26174	124	47	predicting	predict	VERB
fbem-26174	124	48	the	the	DET
fbem-26174	124	49	type	type	NOUN
fbem-26174	124	50	of	of	ADP
fbem-26174	124	51	data	datum	NOUN
fbem-26174	124	52	model	model	NOUN
fbem-26174	124	53	,	,	PUNCT
fbem-26174	124	54	monitoring	monitor	VERB
fbem-26174	124	55	payment	payment	NOUN
fbem-26174	124	56	transactions	transaction	NOUN
fbem-26174	124	57	,	,	PUNCT
fbem-26174	124	58	identifying	identify	VERB
fbem-26174	124	59	customers	customer	NOUN
fbem-26174	124	60	,	,	PUNCT
fbem-26174	124	61	etc	etc	X
fbem-26174	124	62	.	.	X
fbem-26174	124	63	,	,	PUNCT
fbem-26174	124	64	and	and	CCONJ
fbem-26174	124	65	use	use	VERB
fbem-26174	124	66	the	the	DET
fbem-26174	124	67	research	research	NOUN
fbem-26174	124	68	results	result	NOUN
fbem-26174	124	69	of	of	ADP
fbem-26174	124	70	pattern	pattern	NOUN
fbem-26174	124	71	recognition	recognition	NOUN
fbem-26174	124	72	and	and	CCONJ
fbem-26174	124	73	intelligence	intelligence	NOUN
fbem-26174	124	74	to	to	PART
fbem-26174	124	75	help	help	VERB
fbem-26174	124	76	fintech	fintech	NOUN
fbem-26174	124	77	enterprises	enterprise	NOUN
fbem-26174	124	78	formulate	formulate	VERB
fbem-26174	124	79	plans	plan	NOUN
fbem-26174	124	80	and	and	CCONJ
fbem-26174	124	81	steps	step	NOUN
fbem-26174	124	82	for	for	ADP
fbem-26174	124	83	industry	industry	NOUN
fbem-26174	124	84	regulation	regulation	NOUN
fbem-26174	124	85	,	,	PUNCT
fbem-26174	124	86	so	so	SCONJ
fbem-26174	124	87	as	as	SCONJ
fbem-26174	124	88	to	to	PART
fbem-26174	124	89	ensure	ensure	VERB
fbem-26174	124	90	the	the	DET
fbem-26174	124	91	compliance	compliance	NOUN
fbem-26174	124	92	of	of	ADP
fbem-26174	124	93	fintech	fintech	NOUN
fbem-26174	124	94	development	development	NOUN
fbem-26174	124	95	,	,	PUNCT
fbem-26174	124	96	to	to	PART
fbem-26174	124	97	improve	improve	VERB
fbem-26174	124	98	the	the	DET
fbem-26174	124	99	efficiency	efficiency	NOUN
fbem-26174	124	100	of	of	ADP
fbem-26174	124	101	financial	financial	ADJ
fbem-26174	124	102	regulation	regulation	NOUN
fbem-26174	124	103	,	,	PUNCT
fbem-26174	124	104	balance	balance	NOUN
fbem-26174	124	105	innovation	innovation	NOUN
fbem-26174	124	106	and	and	CCONJ
fbem-26174	124	107	legal	legal	ADJ
fbem-26174	124	108	compliance	compliance	NOUN
fbem-26174	124	109	regulation	regulation	NOUN
fbem-26174	124	110	,	,	PUNCT
fbem-26174	124	111	eliminate	eliminate	VERB
fbem-26174	124	112	information	information	NOUN
fbem-26174	124	113	asymmetry	asymmetry	NOUN
fbem-26174	124	114	between	between	ADP
fbem-26174	124	115	regulators	regulator	NOUN
fbem-26174	124	116	and	and	CCONJ
fbem-26174	124	117	the	the	DET
fbem-26174	124	118	regulated	regulate	VERB
fbem-26174	124	119	,	,	PUNCT
fbem-26174	124	120	repair	repair	VERB
fbem-26174	124	121	the	the	DET
fbem-26174	124	122	vulnerability	vulnerability	NOUN
fbem-26174	124	123	of	of	ADP
fbem-26174	124	124	the	the	DET
fbem-26174	124	125	89	89	NUM
fbem-26174	124	126	network	network	NOUN
fbem-26174	124	127	,	,	PUNCT
fbem-26174	124	128	and	and	CCONJ
fbem-26174	124	129	effectively	effectively	ADV
fbem-26174	124	130	supervise	supervise	VERB
fbem-26174	124	131	and	and	CCONJ
fbem-26174	124	132	prevent	prevent	VERB
fbem-26174	124	133	systemic	systemic	ADJ
fbem-26174	124	134	risks	risk	NOUN
fbem-26174	124	135	,	,	PUNCT
fbem-26174	124	136	etc	etc	X
fbem-26174	124	137	.	.	X
fbem-26174	124	138	secondly	secondly	ADV
fbem-26174	124	139	,	,	PUNCT
fbem-26174	124	140	strengthen	strengthen	VERB
fbem-26174	124	141	the	the	DET
fbem-26174	124	142	maintenance	maintenance	NOUN
fbem-26174	124	143	of	of	ADP
fbem-26174	124	144	the	the	DET
fbem-26174	124	145	adaptability	adaptability	NOUN
fbem-26174	124	146	of	of	ADP
fbem-26174	124	147	the	the	DET
fbem-26174	124	148	conditions	condition	NOUN
fbem-26174	124	149	related	relate	VERB
fbem-26174	124	150	to	to	ADP
fbem-26174	124	151	financial	financial	ADJ
fbem-26174	124	152	regulatory	regulatory	ADJ
fbem-26174	124	153	technology	technology	NOUN
fbem-26174	124	154	to	to	PART
fbem-26174	124	155	ensure	ensure	VERB
fbem-26174	124	156	the	the	DET
fbem-26174	124	157	basic	basic	ADJ
fbem-26174	124	158	conditions	condition	NOUN
fbem-26174	124	159	of	of	ADP
fbem-26174	124	160	regulatory	regulatory	ADJ
fbem-26174	124	161	work	work	NOUN
fbem-26174	124	162	and	and	CCONJ
fbem-26174	124	163	the	the	DET
fbem-26174	124	164	functioning	functioning	NOUN
fbem-26174	124	165	of	of	ADP
fbem-26174	124	166	artificial	artificial	ADJ
fbem-26174	124	167	intelligence	intelligence	NOUN
fbem-26174	124	168	.	.	PUNCT
fbem-26174	125	1	establish	establish	VERB
fbem-26174	125	2	a	a	DET
fbem-26174	125	3	sound	sound	NOUN
fbem-26174	125	4	and	and	CCONJ
fbem-26174	125	5	complete	complete	ADJ
fbem-26174	125	6	financial	financial	ADJ
fbem-26174	125	7	information	information	NOUN
fbem-26174	125	8	statistics	statistic	NOUN
fbem-26174	125	9	and	and	CCONJ
fbem-26174	125	10	monitoring	monitor	VERB
fbem-26174	125	11	system	system	NOUN
fbem-26174	125	12	and	and	CCONJ
fbem-26174	125	13	regulatory	regulatory	ADJ
fbem-26174	125	14	information	information	NOUN
fbem-26174	125	15	system	system	NOUN
fbem-26174	125	16	,	,	PUNCT
fbem-26174	125	17	improve	improve	VERB
fbem-26174	125	18	the	the	DET
fbem-26174	125	19	quality	quality	NOUN
fbem-26174	125	20	of	of	ADP
fbem-26174	125	21	data	datum	NOUN
fbem-26174	125	22	collection	collection	NOUN
fbem-26174	125	23	and	and	CCONJ
fbem-26174	125	24	management	management	NOUN
fbem-26174	125	25	,	,	PUNCT
fbem-26174	125	26	realise	realise	VERB
fbem-26174	125	27	interconnection	interconnection	NOUN
fbem-26174	125	28	with	with	ADP
fbem-26174	125	29	financial	financial	ADJ
fbem-26174	125	30	institutions	institution	NOUN
fbem-26174	125	31	'	'	PART
fbem-26174	125	32	systems	system	NOUN
fbem-26174	125	33	and	and	CCONJ
fbem-26174	125	34	efficient	efficient	ADJ
fbem-26174	125	35	information	information	NOUN
fbem-26174	125	36	sharing	sharing	NOUN
fbem-26174	125	37	,	,	PUNCT
fbem-26174	125	38	set	set	VERB
fbem-26174	125	39	regulatory	regulatory	ADJ
fbem-26174	125	40	thresholds	threshold	NOUN
fbem-26174	125	41	and	and	CCONJ
fbem-26174	125	42	avoid	avoid	VERB
fbem-26174	125	43	risk	risk	NOUN
fbem-26174	125	44	expansion	expansion	NOUN
fbem-26174	125	45	.	.	PUNCT
fbem-26174	126	1	in	in	ADP
fbem-26174	126	2	addition	addition	NOUN
fbem-26174	126	3	,	,	PUNCT
fbem-26174	126	4	explore	explore	VERB
fbem-26174	126	5	the	the	DET
fbem-26174	126	6	establishment	establishment	NOUN
fbem-26174	126	7	of	of	ADP
fbem-26174	126	8	a	a	DET
fbem-26174	126	9	national	national	ADJ
fbem-26174	126	10	professional	professional	ADJ
fbem-26174	126	11	management	management	NOUN
fbem-26174	126	12	and	and	CCONJ
fbem-26174	126	13	service	service	NOUN
fbem-26174	126	14	organisation	organisation	NOUN
fbem-26174	126	15	for	for	ADP
fbem-26174	126	16	science	science	NOUN
fbem-26174	126	17	and	and	CCONJ
fbem-26174	126	18	technology	technology	NOUN
fbem-26174	126	19	innovative	innovative	ADJ
fbem-26174	126	20	smes	sme	NOUN
fbem-26174	126	21	,	,	PUNCT
fbem-26174	126	22	lower	low	ADJ
fbem-26174	126	23	the	the	DET
fbem-26174	126	24	market	market	NOUN
fbem-26174	126	25	access	access	NOUN
fbem-26174	126	26	threshold	threshold	NOUN
fbem-26174	126	27	for	for	ADP
fbem-26174	126	28	innovative	innovative	ADJ
fbem-26174	126	29	and	and	CCONJ
fbem-26174	126	30	entrepreneurial	entrepreneurial	ADJ
fbem-26174	126	31	enterprises	enterprise	NOUN
fbem-26174	126	32	,	,	PUNCT
fbem-26174	126	33	accelerate	accelerate	VERB
fbem-26174	126	34	the	the	DET
fbem-26174	126	35	innovation	innovation	NOUN
fbem-26174	126	36	of	of	ADP
fbem-26174	126	37	the	the	DET
fbem-26174	126	38	gem	gem	NOUN
fbem-26174	126	39	market	market	NOUN
fbem-26174	126	40	system	system	NOUN
fbem-26174	126	41	,	,	PUNCT
fbem-26174	126	42	and	and	CCONJ
fbem-26174	126	43	increase	increase	VERB
fbem-26174	126	44	support	support	NOUN
fbem-26174	126	45	for	for	ADP
fbem-26174	126	46	innovative	innovative	ADJ
fbem-26174	126	47	and	and	CCONJ
fbem-26174	126	48	growth	growth	NOUN
fbem-26174	126	49	-	-	PUNCT
fbem-26174	126	50	oriented	orient	VERB
fbem-26174	126	51	enterprises	enterprise	NOUN
fbem-26174	126	52	.	.	PUNCT
fbem-26174	127	1	cultivate	cultivate	VERB
fbem-26174	127	2	the	the	DET
fbem-26174	127	3	competitiveness	competitiveness	NOUN
fbem-26174	127	4	of	of	ADP
fbem-26174	127	5	smes	sme	NOUN
fbem-26174	127	6	in	in	ADP
fbem-26174	127	7	customer	customer	NOUN
fbem-26174	127	8	management	management	NOUN
fbem-26174	127	9	,	,	PUNCT
fbem-26174	127	10	financial	financial	ADJ
fbem-26174	127	11	settlement	settlement	NOUN
fbem-26174	127	12	and	and	CCONJ
fbem-26174	127	13	financing	financing	NOUN
fbem-26174	127	14	,	,	PUNCT
fbem-26174	127	15	so	so	SCONJ
fbem-26174	127	16	as	as	SCONJ
fbem-26174	127	17	to	to	PART
fbem-26174	127	18	fundamentally	fundamentally	ADV
fbem-26174	127	19	improve	improve	VERB
fbem-26174	127	20	the	the	DET
fbem-26174	127	21	problems	problem	NOUN
fbem-26174	127	22	of	of	ADP
fbem-26174	127	23	financing	financing	NOUN
fbem-26174	127	24	difficulties	difficulty	NOUN
fbem-26174	127	25	and	and	CCONJ
fbem-26174	127	26	expensive	expensive	ADJ
fbem-26174	127	27	financing	financing	NOUN
fbem-26174	127	28	for	for	ADP
fbem-26174	127	29	private	private	ADJ
fbem-26174	127	30	enterprises	enterprise	NOUN
fbem-26174	127	31	and	and	CCONJ
fbem-26174	127	32	small	small	ADJ
fbem-26174	127	33	and	and	CCONJ
fbem-26174	127	34	micro	micro	ADJ
fbem-26174	127	35	enterprises	enterprise	NOUN
fbem-26174	127	36	.	.	PUNCT
fbem-26174	128	1	at	at	ADP
fbem-26174	128	2	the	the	DET
fbem-26174	128	3	same	same	ADJ
fbem-26174	128	4	time	time	NOUN
fbem-26174	128	5	,	,	PUNCT
fbem-26174	128	6	support	support	NOUN
fbem-26174	128	7	for	for	ADP
fbem-26174	128	8	small	small	ADJ
fbem-26174	128	9	and	and	CCONJ
fbem-26174	128	10	medium	medium	ADJ
fbem-26174	128	11	-	-	PUNCT
fbem-26174	128	12	sized	sized	ADJ
fbem-26174	128	13	banks	bank	NOUN
fbem-26174	128	14	to	to	PART
fbem-26174	128	15	develop	develop	VERB
fbem-26174	128	16	fintech	fintech	NOUN
fbem-26174	128	17	should	should	AUX
fbem-26174	128	18	be	be	AUX
fbem-26174	128	19	increased	increase	VERB
fbem-26174	128	20	,	,	PUNCT
fbem-26174	128	21	the	the	DET
fbem-26174	128	22	scope	scope	NOUN
fbem-26174	128	23	of	of	ADP
fbem-26174	128	24	responsibilities	responsibility	NOUN
fbem-26174	128	25	for	for	ADP
fbem-26174	128	26	fintech	fintech	NOUN
fbem-26174	128	27	risk	risk	NOUN
fbem-26174	128	28	supervision	supervision	NOUN
fbem-26174	128	29	should	should	AUX
fbem-26174	128	30	be	be	AUX
fbem-26174	128	31	clarified	clarify	VERB
fbem-26174	128	32	,	,	PUNCT
fbem-26174	128	33	and	and	CCONJ
fbem-26174	128	34	licence	licence	NOUN
fbem-26174	128	35	management	management	NOUN
fbem-26174	128	36	should	should	AUX
fbem-26174	128	37	be	be	AUX
fbem-26174	128	38	stepped	step	VERB
fbem-26174	128	39	up	up	ADP
fbem-26174	128	40	.	.	PUNCT
fbem-26174	129	1	allow	allow	VERB
fbem-26174	129	2	some	some	DET
fbem-26174	129	3	banks	bank	NOUN
fbem-26174	129	4	with	with	ADP
fbem-26174	129	5	a	a	DET
fbem-26174	129	6	high	high	ADJ
fbem-26174	129	7	level	level	NOUN
fbem-26174	129	8	of	of	ADP
fbem-26174	129	9	technology	technology	NOUN
fbem-26174	129	10	to	to	PART
fbem-26174	129	11	pilot	pilot	VERB
fbem-26174	129	12	first	first	ADV
fbem-26174	129	13	,	,	PUNCT
fbem-26174	129	14	encourage	encourage	VERB
fbem-26174	129	15	relevant	relevant	ADJ
fbem-26174	129	16	banks	bank	NOUN
fbem-26174	129	17	to	to	PART
fbem-26174	129	18	accelerate	accelerate	VERB
fbem-26174	129	19	the	the	DET
fbem-26174	129	20	pace	pace	NOUN
fbem-26174	129	21	of	of	ADP
fbem-26174	129	22	innovation	innovation	NOUN
fbem-26174	129	23	in	in	ADP
fbem-26174	129	24	terms	term	NOUN
fbem-26174	129	25	of	of	ADP
fbem-26174	129	26	systems	system	NOUN
fbem-26174	129	27	,	,	PUNCT
fbem-26174	129	28	organisations	organisation	NOUN
fbem-26174	129	29	and	and	CCONJ
fbem-26174	129	30	processes	process	NOUN
fbem-26174	129	31	,	,	PUNCT
fbem-26174	129	32	and	and	CCONJ
fbem-26174	129	33	moderately	moderately	ADV
fbem-26174	129	34	relax	relax	VERB
fbem-26174	129	35	the	the	DET
fbem-26174	129	36	regulatory	regulatory	ADJ
fbem-26174	129	37	tolerance	tolerance	NOUN
fbem-26174	129	38	to	to	PART
fbem-26174	129	39	achieve	achieve	VERB
fbem-26174	129	40	a	a	DET
fbem-26174	129	41	balance	balance	NOUN
fbem-26174	129	42	between	between	ADP
fbem-26174	129	43	risk	risk	NOUN
fbem-26174	129	44	prevention	prevention	NOUN
fbem-26174	129	45	and	and	CCONJ
fbem-26174	129	46	innovation	innovation	NOUN
fbem-26174	129	47	and	and	CCONJ
fbem-26174	129	48	development	development	NOUN
fbem-26174	129	49	.	.	PUNCT
fbem-26174	130	1	reduce	reduce	VERB
fbem-26174	130	2	information	information	NOUN
fbem-26174	130	3	asymmetry	asymmetry	NOUN
fbem-26174	130	4	behaviour	behaviour	NOUN
fbem-26174	130	5	in	in	ADP
fbem-26174	130	6	market	market	NOUN
fbem-26174	130	7	transactions	transaction	NOUN
fbem-26174	130	8	,	,	PUNCT
fbem-26174	130	9	increase	increase	VERB
fbem-26174	130	10	transparency	transparency	NOUN
fbem-26174	130	11	and	and	CCONJ
fbem-26174	130	12	achieve	achieve	VERB
fbem-26174	130	13	coordination	coordination	NOUN
fbem-26174	130	14	and	and	CCONJ
fbem-26174	130	15	harmonisation	harmonisation	NOUN
fbem-26174	130	16	of	of	ADP
fbem-26174	130	17	regulatory	regulatory	ADJ
fbem-26174	130	18	policies	policy	NOUN
fbem-26174	130	19	.	.	PUNCT
fbem-26174	131	1	4.3	4.3	NUM
fbem-26174	131	2	.	.	PUNCT
fbem-26174	131	3	enhancing	enhance	VERB
fbem-26174	131	4	judicial	judicial	ADJ
fbem-26174	131	5	capacity	capacity	NOUN
fbem-26174	131	6	and	and	CCONJ
fbem-26174	131	7	improving	improve	VERB
fbem-26174	131	8	the	the	DET
fbem-26174	131	9	judicial	judicial	ADJ
fbem-26174	131	10	remedy	remedy	NOUN
fbem-26174	131	11	system	system	NOUN
fbem-26174	131	12	the	the	DET
fbem-26174	131	13	development	development	NOUN
fbem-26174	131	14	of	of	ADP
fbem-26174	131	15	financial	financial	ADJ
fbem-26174	131	16	technology	technology	NOUN
fbem-26174	131	17	has	have	AUX
fbem-26174	131	18	brought	bring	VERB
fbem-26174	131	19	unprecedented	unprecedented	ADJ
fbem-26174	131	20	challenges	challenge	NOUN
fbem-26174	131	21	to	to	ADP
fbem-26174	131	22	the	the	DET
fbem-26174	131	23	judicial	judicial	ADJ
fbem-26174	131	24	organ	organ	NOUN
fbem-26174	131	25	,	,	PUNCT
fbem-26174	131	26	and	and	CCONJ
fbem-26174	131	27	also	also	ADV
fbem-26174	131	28	put	put	VERB
fbem-26174	131	29	forward	forward	ADV
fbem-26174	131	30	higher	high	ADJ
fbem-26174	131	31	requirements	requirement	NOUN
fbem-26174	131	32	for	for	ADP
fbem-26174	131	33	the	the	DET
fbem-26174	131	34	improvement	improvement	NOUN
fbem-26174	131	35	of	of	ADP
fbem-26174	131	36	judicial	judicial	ADJ
fbem-26174	131	37	capacity	capacity	NOUN
fbem-26174	131	38	.	.	PUNCT
fbem-26174	132	1	in	in	ADP
fbem-26174	132	2	order	order	NOUN
fbem-26174	132	3	to	to	PART
fbem-26174	132	4	effectively	effectively	ADV
fbem-26174	132	5	deal	deal	VERB
fbem-26174	132	6	with	with	ADP
fbem-26174	132	7	various	various	ADJ
fbem-26174	132	8	disputes	dispute	NOUN
fbem-26174	132	9	in	in	ADP
fbem-26174	132	10	the	the	DET
fbem-26174	132	11	field	field	NOUN
fbem-26174	132	12	of	of	ADP
fbem-26174	132	13	fintech	fintech	NOUN
fbem-26174	132	14	,	,	PUNCT
fbem-26174	132	15	the	the	DET
fbem-26174	132	16	judiciary	judiciary	NOUN
fbem-26174	132	17	not	not	PART
fbem-26174	132	18	only	only	ADV
fbem-26174	132	19	needs	need	VERB
fbem-26174	132	20	to	to	PART
fbem-26174	132	21	cooperate	cooperate	VERB
fbem-26174	132	22	with	with	ADP
fbem-26174	132	23	the	the	DET
fbem-26174	132	24	legislative	legislative	ADJ
fbem-26174	132	25	and	and	CCONJ
fbem-26174	132	26	law	law	NOUN
fbem-26174	132	27	enforcement	enforcement	NOUN
fbem-26174	132	28	authorities	authority	NOUN
fbem-26174	132	29	,	,	PUNCT
fbem-26174	132	30	but	but	CCONJ
fbem-26174	132	31	also	also	ADV
fbem-26174	132	32	needs	need	VERB
fbem-26174	132	33	to	to	PART
fbem-26174	132	34	effectively	effectively	ADV
fbem-26174	132	35	enhance	enhance	VERB
fbem-26174	132	36	its	its	PRON
fbem-26174	132	37	own	own	ADJ
fbem-26174	132	38	judicial	judicial	ADJ
fbem-26174	132	39	quality	quality	NOUN
fbem-26174	132	40	.	.	PUNCT
fbem-26174	133	1	first	first	ADV
fbem-26174	133	2	,	,	PUNCT
fbem-26174	133	3	the	the	DET
fbem-26174	133	4	complexity	complexity	NOUN
fbem-26174	133	5	and	and	CCONJ
fbem-26174	133	6	specialisation	specialisation	NOUN
fbem-26174	133	7	of	of	ADP
fbem-26174	133	8	fintech	fintech	NOUN
fbem-26174	133	9	cases	case	NOUN
fbem-26174	133	10	determine	determine	VERB
fbem-26174	133	11	the	the	DET
fbem-26174	133	12	need	need	NOUN
fbem-26174	133	13	to	to	PART
fbem-26174	133	14	establish	establish	VERB
fbem-26174	133	15	a	a	DET
fbem-26174	133	16	specialised	specialised	ADJ
fbem-26174	133	17	judicial	judicial	ADJ
fbem-26174	133	18	trial	trial	NOUN
fbem-26174	133	19	department	department	NOUN
fbem-26174	133	20	.	.	PUNCT
fbem-26174	134	1	traditional	traditional	ADJ
fbem-26174	134	2	judicial	judicial	ADJ
fbem-26174	134	3	bodies	body	NOUN
fbem-26174	134	4	often	often	ADV
fbem-26174	134	5	face	face	VERB
fbem-26174	134	6	many	many	ADJ
fbem-26174	134	7	difficulties	difficulty	NOUN
fbem-26174	134	8	in	in	ADP
fbem-26174	134	9	handling	handle	VERB
fbem-26174	134	10	fintech	fintech	NOUN
fbem-26174	134	11	cases	case	NOUN
fbem-26174	134	12	due	due	ADP
fbem-26174	134	13	to	to	ADP
fbem-26174	134	14	a	a	DET
fbem-26174	134	15	lack	lack	NOUN
fbem-26174	134	16	of	of	ADP
fbem-26174	134	17	professional	professional	ADJ
fbem-26174	134	18	knowledge	knowledge	NOUN
fbem-26174	134	19	and	and	CCONJ
fbem-26174	134	20	experience	experience	NOUN
fbem-26174	134	21	.	.	PUNCT
fbem-26174	135	1	the	the	DET
fbem-26174	135	2	establishment	establishment	NOUN
fbem-26174	135	3	of	of	ADP
fbem-26174	135	4	specialised	specialised	ADJ
fbem-26174	135	5	judicial	judicial	ADJ
fbem-26174	135	6	departments	department	NOUN
fbem-26174	135	7	can	can	AUX
fbem-26174	135	8	centralise	centralise	VERB
fbem-26174	135	9	the	the	DET
fbem-26174	135	10	handling	handling	NOUN
fbem-26174	135	11	of	of	ADP
fbem-26174	135	12	fintech	fintech	NOUN
fbem-26174	135	13	-	-	PUNCT
fbem-26174	135	14	related	relate	VERB
fbem-26174	135	15	cases	case	NOUN
fbem-26174	135	16	and	and	CCONJ
fbem-26174	135	17	ensure	ensure	VERB
fbem-26174	135	18	the	the	DET
fbem-26174	135	19	professionalism	professionalism	NOUN
fbem-26174	135	20	and	and	CCONJ
fbem-26174	135	21	accuracy	accuracy	NOUN
fbem-26174	135	22	of	of	ADP
fbem-26174	135	23	trials	trial	NOUN
fbem-26174	135	24	.	.	PUNCT
fbem-26174	136	1	these	these	DET
fbem-26174	136	2	specialised	specialised	ADJ
fbem-26174	136	3	departments	department	NOUN
fbem-26174	136	4	can	can	AUX
fbem-26174	136	5	be	be	AUX
fbem-26174	136	6	staffed	staff	VERB
fbem-26174	136	7	with	with	ADP
fbem-26174	136	8	judges	judge	NOUN
fbem-26174	136	9	and	and	CCONJ
fbem-26174	136	10	technical	technical	ADJ
fbem-26174	136	11	experts	expert	NOUN
fbem-26174	136	12	with	with	ADP
fbem-26174	136	13	fintech	fintech	NOUN
fbem-26174	136	14	-	-	PUNCT
fbem-26174	136	15	related	relate	VERB
fbem-26174	136	16	knowledge	knowledge	NOUN
fbem-26174	136	17	and	and	CCONJ
fbem-26174	136	18	experience	experience	NOUN
fbem-26174	136	19	to	to	PART
fbem-26174	136	20	ensure	ensure	VERB
fbem-26174	136	21	professionalism	professionalism	NOUN
fbem-26174	136	22	and	and	CCONJ
fbem-26174	136	23	fairness	fairness	NOUN
fbem-26174	136	24	in	in	ADP
fbem-26174	136	25	the	the	DET
fbem-26174	136	26	trial	trial	NOUN
fbem-26174	136	27	of	of	ADP
fbem-26174	136	28	cases	case	NOUN
fbem-26174	136	29	.	.	PUNCT
fbem-26174	137	1	second	second	ADJ
fbem-26174	137	2	,	,	PUNCT
fbem-26174	137	3	in	in	ADP
fbem-26174	137	4	order	order	NOUN
fbem-26174	137	5	to	to	PART
fbem-26174	137	6	better	well	ADV
fbem-26174	137	7	cope	cope	VERB
fbem-26174	137	8	with	with	ADP
fbem-26174	137	9	the	the	DET
fbem-26174	137	10	increasing	increase	VERB
fbem-26174	137	11	number	number	NOUN
fbem-26174	137	12	of	of	ADP
fbem-26174	137	13	fintech	fintech	NOUN
fbem-26174	137	14	cases	case	NOUN
fbem-26174	137	15	,	,	PUNCT
fbem-26174	137	16	the	the	DET
fbem-26174	137	17	establishment	establishment	NOUN
fbem-26174	137	18	of	of	ADP
fbem-26174	137	19	more	more	ADJ
fbem-26174	137	20	specialised	specialised	ADJ
fbem-26174	137	21	financial	financial	ADJ
fbem-26174	137	22	courts	court	NOUN
fbem-26174	137	23	could	could	AUX
fbem-26174	137	24	be	be	AUX
fbem-26174	137	25	considered	consider	VERB
fbem-26174	137	26	.	.	PUNCT
fbem-26174	138	1	the	the	DET
fbem-26174	138	2	financial	financial	ADJ
fbem-26174	138	3	court	court	NOUN
fbem-26174	138	4	can	can	AUX
fbem-26174	138	5	serve	serve	VERB
fbem-26174	138	6	as	as	ADP
fbem-26174	138	7	an	an	DET
fbem-26174	138	8	independent	independent	ADJ
fbem-26174	138	9	judicial	judicial	ADJ
fbem-26174	138	10	body	body	NOUN
fbem-26174	138	11	specialised	specialise	VERB
fbem-26174	138	12	in	in	ADP
fbem-26174	138	13	hearing	hear	VERB
fbem-26174	138	14	cases	case	NOUN
fbem-26174	138	15	related	relate	VERB
fbem-26174	138	16	to	to	ADP
fbem-26174	138	17	fintech	fintech	NOUN
fbem-26174	138	18	.	.	PUNCT
fbem-26174	139	1	this	this	PRON
fbem-26174	139	2	will	will	AUX
fbem-26174	139	3	not	not	PART
fbem-26174	139	4	only	only	ADV
fbem-26174	139	5	improve	improve	VERB
fbem-26174	139	6	the	the	DET
fbem-26174	139	7	efficiency	efficiency	NOUN
fbem-26174	139	8	and	and	CCONJ
fbem-26174	139	9	quality	quality	NOUN
fbem-26174	139	10	of	of	ADP
fbem-26174	139	11	case	case	NOUN
fbem-26174	139	12	handling	handling	NOUN
fbem-26174	139	13	,	,	PUNCT
fbem-26174	139	14	but	but	CCONJ
fbem-26174	139	15	also	also	ADV
fbem-26174	139	16	provide	provide	VERB
fbem-26174	139	17	strong	strong	ADJ
fbem-26174	139	18	support	support	NOUN
fbem-26174	139	19	for	for	ADP
fbem-26174	139	20	legal	legal	ADJ
fbem-26174	139	21	norms	norm	NOUN
fbem-26174	139	22	and	and	CCONJ
fbem-26174	139	23	judicial	judicial	ADJ
fbem-26174	139	24	practice	practice	NOUN
fbem-26174	139	25	in	in	ADP
fbem-26174	139	26	the	the	DET
fbem-26174	139	27	field	field	NOUN
fbem-26174	139	28	of	of	ADP
fbem-26174	139	29	fintech	fintech	NOUN
fbem-26174	139	30	by	by	ADP
fbem-26174	139	31	accumulating	accumulate	VERB
fbem-26174	139	32	trial	trial	NOUN
fbem-26174	139	33	experience	experience	NOUN
fbem-26174	139	34	and	and	CCONJ
fbem-26174	139	35	cases	case	NOUN
fbem-26174	139	36	.	.	PUNCT
fbem-26174	140	1	in	in	ADP
fbem-26174	140	2	addition	addition	NOUN
fbem-26174	140	3	,	,	PUNCT
fbem-26174	140	4	the	the	DET
fbem-26174	140	5	promotion	promotion	NOUN
fbem-26174	140	6	and	and	CCONJ
fbem-26174	140	7	establishment	establishment	NOUN
fbem-26174	140	8	of	of	ADP
fbem-26174	140	9	financial	financial	ADJ
fbem-26174	140	10	courts	court	NOUN
fbem-26174	140	11	can	can	AUX
fbem-26174	140	12	also	also	ADV
fbem-26174	140	13	improve	improve	VERB
fbem-26174	140	14	the	the	DET
fbem-26174	140	15	transparency	transparency	NOUN
fbem-26174	140	16	and	and	CCONJ
fbem-26174	140	17	fairness	fairness	NOUN
fbem-26174	140	18	of	of	ADP
fbem-26174	140	19	fintech	fintech	NOUN
fbem-26174	140	20	cases	case	NOUN
fbem-26174	140	21	and	and	CCONJ
fbem-26174	140	22	enhance	enhance	VERB
fbem-26174	140	23	public	public	ADJ
fbem-26174	140	24	trust	trust	NOUN
fbem-26174	140	25	and	and	CCONJ
fbem-26174	140	26	confidence	confidence	NOUN
fbem-26174	140	27	in	in	ADP
fbem-26174	140	28	the	the	DET
fbem-26174	140	29	judiciary	judiciary	NOUN
fbem-26174	140	30	.	.	PUNCT
fbem-26174	141	1	third	third	ADJ
fbem-26174	141	2	,	,	PUNCT
fbem-26174	141	3	the	the	DET
fbem-26174	141	4	key	key	NOUN
fbem-26174	141	5	to	to	ADP
fbem-26174	141	6	enhancing	enhance	VERB
fbem-26174	141	7	judicial	judicial	ADJ
fbem-26174	141	8	capacity	capacity	NOUN
fbem-26174	141	9	lies	lie	VERB
fbem-26174	141	10	in	in	ADP
fbem-26174	141	11	cultivating	cultivate	VERB
fbem-26174	141	12	and	and	CCONJ
fbem-26174	141	13	establishing	establish	VERB
fbem-26174	141	14	a	a	DET
fbem-26174	141	15	team	team	NOUN
fbem-26174	141	16	of	of	ADP
fbem-26174	141	17	highly	highly	ADV
fbem-26174	141	18	qualified	qualified	ADJ
fbem-26174	141	19	judicial	judicial	ADJ
fbem-26174	141	20	personnel	personnel	NOUN
fbem-26174	141	21	.	.	PUNCT
fbem-26174	142	1	the	the	DET
fbem-26174	142	2	handling	handling	NOUN
fbem-26174	142	3	of	of	ADP
fbem-26174	142	4	fintech	fintech	NOUN
fbem-26174	142	5	cases	case	NOUN
fbem-26174	142	6	requires	require	VERB
fbem-26174	142	7	a	a	DET
fbem-26174	142	8	high	high	ADJ
fbem-26174	142	9	level	level	NOUN
fbem-26174	142	10	of	of	ADP
fbem-26174	142	11	professionalism	professionalism	NOUN
fbem-26174	142	12	and	and	CCONJ
fbem-26174	142	13	comprehensive	comprehensive	ADJ
fbem-26174	142	14	ability	ability	NOUN
fbem-26174	142	15	on	on	ADP
fbem-26174	142	16	the	the	DET
fbem-26174	142	17	part	part	NOUN
fbem-26174	142	18	of	of	ADP
fbem-26174	142	19	judicial	judicial	ADJ
fbem-26174	142	20	personnel	personnel	NOUN
fbem-26174	142	21	.	.	PUNCT
fbem-26174	143	1	therefore	therefore	ADV
fbem-26174	143	2	,	,	PUNCT
fbem-26174	143	3	the	the	DET
fbem-26174	143	4	judiciary	judiciary	NOUN
fbem-26174	143	5	should	should	AUX
fbem-26174	143	6	strengthen	strengthen	VERB
fbem-26174	143	7	the	the	DET
fbem-26174	143	8	training	training	NOUN
fbem-26174	143	9	and	and	CCONJ
fbem-26174	143	10	education	education	NOUN
fbem-26174	143	11	of	of	ADP
fbem-26174	143	12	judicial	judicial	ADJ
fbem-26174	143	13	personnel	personnel	NOUN
fbem-26174	143	14	to	to	PART
fbem-26174	143	15	enhance	enhance	VERB
fbem-26174	143	16	their	their	PRON
fbem-26174	143	17	knowledge	knowledge	NOUN
fbem-26174	143	18	and	and	CCONJ
fbem-26174	143	19	professional	professional	ADJ
fbem-26174	143	20	capacity	capacity	NOUN
fbem-26174	143	21	in	in	ADP
fbem-26174	143	22	the	the	DET
fbem-26174	143	23	field	field	NOUN
fbem-26174	143	24	of	of	ADP
fbem-26174	143	25	fintech	fintech	NOUN
fbem-26174	143	26	.	.	PUNCT
fbem-26174	144	1	conducting	conduct	VERB
fbem-26174	144	2	professional	professional	ADJ
fbem-26174	144	3	training	training	NOUN
fbem-26174	144	4	and	and	CCONJ
fbem-26174	144	5	education	education	NOUN
fbem-26174	144	6	.	.	PUNCT
fbem-26174	145	1	judicial	judicial	ADJ
fbem-26174	145	2	organs	organ	NOUN
fbem-26174	145	3	should	should	AUX
fbem-26174	145	4	regularly	regularly	ADV
fbem-26174	145	5	organise	organise	VERB
fbem-26174	145	6	professional	professional	ADJ
fbem-26174	145	7	training	training	NOUN
fbem-26174	145	8	and	and	CCONJ
fbem-26174	145	9	education	education	NOUN
fbem-26174	145	10	related	relate	VERB
fbem-26174	145	11	to	to	ADP
fbem-26174	145	12	financial	financial	ADJ
fbem-26174	145	13	science	science	NOUN
fbem-26174	145	14	and	and	CCONJ
fbem-26174	145	15	technology	technology	NOUN
fbem-26174	145	16	,	,	PUNCT
fbem-26174	145	17	and	and	CCONJ
fbem-26174	145	18	invite	invite	VERB
fbem-26174	145	19	experts	expert	NOUN
fbem-26174	145	20	and	and	CCONJ
fbem-26174	145	21	scholars	scholar	NOUN
fbem-26174	145	22	in	in	ADP
fbem-26174	145	23	the	the	DET
fbem-26174	145	24	field	field	NOUN
fbem-26174	145	25	to	to	PART
fbem-26174	145	26	give	give	VERB
fbem-26174	145	27	lectures	lecture	NOUN
fbem-26174	145	28	,	,	PUNCT
fbem-26174	145	29	so	so	SCONJ
fbem-26174	145	30	as	as	SCONJ
fbem-26174	145	31	to	to	PART
fbem-26174	145	32	help	help	VERB
fbem-26174	145	33	judicial	judicial	ADJ
fbem-26174	145	34	officers	officer	NOUN
fbem-26174	145	35	understand	understand	VERB
fbem-26174	145	36	and	and	CCONJ
fbem-26174	145	37	master	master	VERB
fbem-26174	145	38	the	the	DET
fbem-26174	145	39	latest	late	ADJ
fbem-26174	145	40	knowledge	knowledge	NOUN
fbem-26174	145	41	and	and	CCONJ
fbem-26174	145	42	technology	technology	NOUN
fbem-26174	145	43	of	of	ADP
fbem-26174	145	44	financial	financial	ADJ
fbem-26174	145	45	science	science	NOUN
fbem-26174	145	46	and	and	CCONJ
fbem-26174	145	47	technology	technology	NOUN
fbem-26174	145	48	.	.	PUNCT
fbem-26174	146	1	the	the	DET
fbem-26174	146	2	content	content	NOUN
fbem-26174	146	3	of	of	ADP
fbem-26174	146	4	the	the	DET
fbem-26174	146	5	training	training	NOUN
fbem-26174	146	6	may	may	AUX
fbem-26174	146	7	include	include	VERB
fbem-26174	146	8	the	the	DET
fbem-26174	146	9	basic	basic	ADJ
fbem-26174	146	10	concepts	concept	NOUN
fbem-26174	146	11	and	and	CCONJ
fbem-26174	146	12	principles	principle	NOUN
fbem-26174	146	13	of	of	ADP
fbem-26174	146	14	fintech	fintech	NOUN
fbem-26174	146	15	,	,	PUNCT
fbem-26174	146	16	the	the	DET
fbem-26174	146	17	latest	late	ADJ
fbem-26174	146	18	developments	development	NOUN
fbem-26174	146	19	and	and	CCONJ
fbem-26174	146	20	trends	trend	NOUN
fbem-26174	146	21	,	,	PUNCT
fbem-26174	146	22	and	and	CCONJ
fbem-26174	146	23	fintech	fintech	NOUN
fbem-26174	146	24	-	-	PUNCT
fbem-26174	146	25	related	relate	VERB
fbem-26174	146	26	laws	law	NOUN
fbem-26174	146	27	,	,	PUNCT
fbem-26174	146	28	regulations	regulation	NOUN
fbem-26174	146	29	and	and	CCONJ
fbem-26174	146	30	policies	policy	NOUN
fbem-26174	146	31	.	.	PUNCT
fbem-26174	147	1	in	in	ADP
fbem-26174	147	2	addition	addition	NOUN
fbem-26174	147	3	,	,	PUNCT
fbem-26174	147	4	academic	academic	ADJ
fbem-26174	147	5	seminars	seminar	NOUN
fbem-26174	147	6	and	and	CCONJ
fbem-26174	147	7	exchanges	exchange	NOUN
fbem-26174	147	8	can	can	AUX
fbem-26174	147	9	be	be	AUX
fbem-26174	147	10	organised	organise	VERB
fbem-26174	147	11	to	to	PART
fbem-26174	147	12	promote	promote	VERB
fbem-26174	147	13	experience	experience	NOUN
fbem-26174	147	14	exchange	exchange	NOUN
fbem-26174	147	15	and	and	CCONJ
fbem-26174	147	16	knowledge	knowledge	NOUN
fbem-26174	147	17	sharing	sharing	NOUN
fbem-26174	147	18	among	among	ADP
fbem-26174	147	19	judicial	judicial	ADJ
fbem-26174	147	20	officers	officer	NOUN
fbem-26174	147	21	,	,	PUNCT
fbem-26174	147	22	and	and	CCONJ
fbem-26174	147	23	to	to	PART
fbem-26174	147	24	improve	improve	VERB
fbem-26174	147	25	their	their	PRON
fbem-26174	147	26	overall	overall	ADJ
fbem-26174	147	27	quality	quality	NOUN
fbem-26174	147	28	and	and	CCONJ
fbem-26174	147	29	trial	trial	NOUN
fbem-26174	147	30	ability	ability	NOUN
fbem-26174	147	31	.	.	PUNCT
fbem-26174	148	1	establishment	establishment	NOUN
fbem-26174	148	2	of	of	ADP
fbem-26174	148	3	expert	expert	ADJ
fbem-26174	148	4	pools	pool	NOUN
fbem-26174	148	5	and	and	CCONJ
fbem-26174	148	6	think	think	VERB
fbem-26174	148	7	tanks	tank	NOUN
fbem-26174	148	8	.	.	PUNCT
fbem-26174	149	1	in	in	ADP
fbem-26174	149	2	order	order	NOUN
fbem-26174	149	3	to	to	PART
fbem-26174	149	4	obtain	obtain	VERB
fbem-26174	149	5	professional	professional	ADJ
fbem-26174	149	6	support	support	NOUN
fbem-26174	149	7	when	when	SCONJ
fbem-26174	149	8	trying	try	VERB
fbem-26174	149	9	fintech	fintech	NOUN
fbem-26174	149	10	cases	case	NOUN
fbem-26174	149	11	,	,	PUNCT
fbem-26174	149	12	the	the	DET
fbem-26174	149	13	judiciary	judiciary	NOUN
fbem-26174	149	14	can	can	AUX
fbem-26174	149	15	establish	establish	VERB
fbem-26174	149	16	expert	expert	ADJ
fbem-26174	149	17	pools	pool	NOUN
fbem-26174	149	18	and	and	CCONJ
fbem-26174	149	19	think	think	VERB
fbem-26174	149	20	tanks	tank	NOUN
fbem-26174	149	21	in	in	ADP
fbem-26174	149	22	the	the	DET
fbem-26174	149	23	field	field	NOUN
fbem-26174	149	24	of	of	ADP
fbem-26174	149	25	fintech	fintech	NOUN
fbem-26174	149	26	.	.	PUNCT
fbem-26174	150	1	the	the	DET
fbem-26174	150	2	expert	expert	PROPN
fbem-26174	150	3	bank	bank	NOUN
fbem-26174	150	4	can	can	AUX
fbem-26174	150	5	be	be	AUX
fbem-26174	150	6	composed	compose	VERB
fbem-26174	150	7	of	of	ADP
fbem-26174	150	8	experts	expert	NOUN
fbem-26174	150	9	,	,	PUNCT
fbem-26174	150	10	scholars	scholar	NOUN
fbem-26174	150	11	,	,	PUNCT
fbem-26174	150	12	technicians	technician	NOUN
fbem-26174	150	13	,	,	PUNCT
fbem-26174	150	14	etc	etc	X
fbem-26174	150	15	.	.	X
fbem-26174	150	16	in	in	ADP
fbem-26174	150	17	the	the	DET
fbem-26174	150	18	field	field	NOUN
fbem-26174	150	19	of	of	ADP
fbem-26174	150	20	fintech	fintech	NOUN
fbem-26174	150	21	to	to	PART
fbem-26174	150	22	provide	provide	VERB
fbem-26174	150	23	technical	technical	ADJ
fbem-26174	150	24	advice	advice	NOUN
fbem-26174	150	25	and	and	CCONJ
fbem-26174	150	26	support	support	NOUN
fbem-26174	150	27	to	to	ADP
fbem-26174	150	28	the	the	DET
fbem-26174	150	29	judiciary	judiciary	NOUN
fbem-26174	150	30	.	.	PUNCT
fbem-26174	151	1	the	the	DET
fbem-26174	151	2	think	think	NOUN
fbem-26174	151	3	tank	tank	NOUN
fbem-26174	151	4	can	can	AUX
fbem-26174	151	5	provide	provide	VERB
fbem-26174	151	6	policy	policy	NOUN
fbem-26174	151	7	recommendations	recommendation	NOUN
fbem-26174	151	8	and	and	CCONJ
fbem-26174	151	9	legal	legal	ADJ
fbem-26174	151	10	opinions	opinion	NOUN
fbem-26174	151	11	by	by	ADP
fbem-26174	151	12	researching	research	VERB
fbem-26174	151	13	and	and	CCONJ
fbem-26174	151	14	analysing	analyse	VERB
fbem-26174	151	15	the	the	DET
fbem-26174	151	16	development	development	NOUN
fbem-26174	151	17	trend	trend	NOUN
fbem-26174	151	18	and	and	CCONJ
fbem-26174	151	19	legal	legal	ADJ
fbem-26174	151	20	issues	issue	NOUN
fbem-26174	151	21	of	of	ADP
fbem-26174	151	22	fintech	fintech	NOUN
fbem-26174	151	23	,	,	PUNCT
fbem-26174	151	24	providing	provide	VERB
fbem-26174	151	25	theoretical	theoretical	ADJ
fbem-26174	151	26	support	support	NOUN
fbem-26174	151	27	and	and	CCONJ
fbem-26174	151	28	reference	reference	NOUN
fbem-26174	151	29	for	for	ADP
fbem-26174	151	30	judicial	judicial	ADJ
fbem-26174	151	31	practice	practice	NOUN
fbem-26174	151	32	.	.	PUNCT
fbem-26174	152	1	introducing	introduce	VERB
fbem-26174	152	2	scientific	scientific	ADJ
fbem-26174	152	3	and	and	CCONJ
fbem-26174	152	4	technological	technological	ADJ
fbem-26174	152	5	means	mean	NOUN
fbem-26174	152	6	and	and	CCONJ
fbem-26174	152	7	tools	tool	NOUN
fbem-26174	152	8	.	.	PUNCT
fbem-26174	153	1	the	the	DET
fbem-26174	153	2	handling	handling	NOUN
fbem-26174	153	3	of	of	ADP
fbem-26174	153	4	fintech	fintech	NOUN
fbem-26174	153	5	cases	case	NOUN
fbem-26174	153	6	often	often	ADV
fbem-26174	153	7	requires	require	VERB
fbem-26174	153	8	the	the	DET
fbem-26174	153	9	use	use	NOUN
fbem-26174	153	10	of	of	ADP
fbem-26174	153	11	a	a	DET
fbem-26174	153	12	large	large	ADJ
fbem-26174	153	13	number	number	NOUN
fbem-26174	153	14	of	of	ADP
fbem-26174	153	15	technological	technological	ADJ
fbem-26174	153	16	means	mean	NOUN
fbem-26174	153	17	and	and	CCONJ
fbem-26174	153	18	tools	tool	NOUN
fbem-26174	153	19	.	.	PUNCT
fbem-26174	154	1	judicial	judicial	ADJ
fbem-26174	154	2	organs	organ	NOUN
fbem-26174	154	3	can	can	AUX
fbem-26174	154	4	enhance	enhance	VERB
fbem-26174	154	5	the	the	DET
fbem-26174	154	6	efficiency	efficiency	NOUN
fbem-26174	154	7	and	and	CCONJ
fbem-26174	154	8	accuracy	accuracy	NOUN
fbem-26174	154	9	of	of	ADP
fbem-26174	154	10	case	case	NOUN
fbem-26174	154	11	processing	processing	NOUN
fbem-26174	154	12	by	by	ADP
fbem-26174	154	13	introducing	introduce	VERB
fbem-26174	154	14	advanced	advanced	ADJ
fbem-26174	154	15	technological	technological	ADJ
fbem-26174	154	16	means	mean	NOUN
fbem-26174	154	17	and	and	CCONJ
fbem-26174	154	18	tools	tool	NOUN
fbem-26174	154	19	.	.	PUNCT
fbem-26174	155	1	for	for	ADP
fbem-26174	155	2	example	example	NOUN
fbem-26174	155	3	,	,	PUNCT
fbem-26174	155	4	data	datum	NOUN
fbem-26174	155	5	in	in	ADP
fbem-26174	155	6	fintech	fintech	NOUN
fbem-26174	155	7	cases	case	NOUN
fbem-26174	155	8	can	can	AUX
fbem-26174	155	9	be	be	AUX
fbem-26174	155	10	analysed	analyse	VERB
fbem-26174	155	11	and	and	CCONJ
fbem-26174	155	12	processed	process	VERB
fbem-26174	155	13	through	through	ADP
fbem-26174	155	14	the	the	DET
fbem-26174	155	15	establishment	establishment	NOUN
fbem-26174	155	16	of	of	ADP
fbem-26174	155	17	a	a	DET
fbem-26174	155	18	big	big	ADJ
fbem-26174	155	19	data	datum	NOUN
fbem-26174	155	20	analysis	analysis	NOUN
fbem-26174	155	21	platform	platform	NOUN
fbem-26174	155	22	to	to	PART
fbem-26174	155	23	discover	discover	VERB
fbem-26174	155	24	potential	potential	ADJ
fbem-26174	155	25	problems	problem	NOUN
fbem-26174	155	26	and	and	CCONJ
fbem-26174	155	27	risks	risk	NOUN
fbem-26174	155	28	;	;	PUNCT
fbem-26174	155	29	the	the	DET
fbem-26174	155	30	authenticity	authenticity	NOUN
fbem-26174	155	31	and	and	CCONJ
fbem-26174	155	32	non	non	ADJ
fbem-26174	155	33	-	-	ADJ
fbem-26174	155	34	tamperability	tamperability	ADJ
fbem-26174	155	35	of	of	ADP
fbem-26174	155	36	evidence	evidence	NOUN
fbem-26174	155	37	can	can	AUX
fbem-26174	155	38	be	be	AUX
fbem-26174	155	39	ensured	ensure	VERB
fbem-26174	155	40	through	through	ADP
fbem-26174	155	41	the	the	DET
fbem-26174	155	42	introduction	introduction	NOUN
fbem-26174	155	43	of	of	ADP
fbem-26174	155	44	blockchain	blockchain	PROPN
fbem-26174	155	45	technology	technology	NOUN
fbem-26174	155	46	;	;	PUNCT
fbem-26174	155	47	and	and	CCONJ
fbem-26174	155	48	the	the	DET
fbem-26174	155	49	intelligent	intelligent	ADJ
fbem-26174	155	50	level	level	NOUN
fbem-26174	155	51	of	of	ADP
fbem-26174	155	52	trials	trial	NOUN
fbem-26174	155	53	can	can	AUX
fbem-26174	155	54	be	be	AUX
fbem-26174	155	55	improved	improve	VERB
fbem-26174	155	56	by	by	ADP
fbem-26174	155	57	applying	apply	VERB
fbem-26174	155	58	artificial	artificial	ADJ
fbem-26174	155	59	intelligence	intelligence	NOUN
fbem-26174	155	60	technology	technology	NOUN
fbem-26174	155	61	to	to	PART
fbem-26174	155	62	assist	assist	VERB
fbem-26174	155	63	judicial	judicial	ADJ
fbem-26174	155	64	officers	officer	NOUN
fbem-26174	155	65	in	in	ADP
fbem-26174	155	66	case	case	NOUN
fbem-26174	155	67	analysis	analysis	NOUN
fbem-26174	155	68	and	and	CCONJ
fbem-26174	155	69	adjudication	adjudication	NOUN
fbem-26174	155	70	.	.	PUNCT
fbem-26174	156	1	fourth	fourth	ADJ
fbem-26174	156	2	,	,	PUNCT
fbem-26174	156	3	improving	improve	VERB
fbem-26174	156	4	the	the	DET
fbem-26174	156	5	judicial	judicial	ADJ
fbem-26174	156	6	remedy	remedy	NOUN
fbem-26174	156	7	system	system	NOUN
fbem-26174	156	8	.	.	PUNCT
fbem-26174	157	1	in	in	ADP
fbem-26174	157	2	addition	addition	NOUN
fbem-26174	157	3	to	to	ADP
fbem-26174	157	4	upgrading	upgrade	VERB
fbem-26174	157	5	judicial	judicial	ADJ
fbem-26174	157	6	capacity	capacity	NOUN
fbem-26174	157	7	,	,	PUNCT
fbem-26174	157	8	improving	improve	VERB
fbem-26174	157	9	the	the	DET
fbem-26174	157	10	judicial	judicial	ADJ
fbem-26174	157	11	relief	relief	NOUN
fbem-26174	157	12	system	system	NOUN
fbem-26174	157	13	is	be	AUX
fbem-26174	157	14	also	also	ADV
fbem-26174	157	15	an	an	DET
fbem-26174	157	16	important	important	ADJ
fbem-26174	157	17	measure	measure	NOUN
fbem-26174	157	18	to	to	PART
fbem-26174	157	19	deal	deal	VERB
fbem-26174	157	20	with	with	ADP
fbem-26174	157	21	financial	financial	ADJ
fbem-26174	157	22	technology	technology	NOUN
fbem-26174	157	23	cases	case	NOUN
fbem-26174	157	24	.	.	PUNCT
fbem-26174	158	1	the	the	DET
fbem-26174	158	2	improvement	improvement	NOUN
fbem-26174	158	3	of	of	ADP
fbem-26174	158	4	the	the	DET
fbem-26174	158	5	judicial	judicial	ADJ
fbem-26174	158	6	relief	relief	NOUN
fbem-26174	158	7	system	system	NOUN
fbem-26174	158	8	can	can	AUX
fbem-26174	158	9	provide	provide	VERB
fbem-26174	158	10	the	the	DET
fbem-26174	158	11	parties	party	NOUN
fbem-26174	158	12	with	with	ADP
fbem-26174	158	13	a	a	DET
fbem-26174	158	14	more	more	ADV
fbem-26174	158	15	convenient	convenient	ADJ
fbem-26174	158	16	and	and	CCONJ
fbem-26174	158	17	efficient	efficient	ADJ
fbem-26174	158	18	way	way	NOUN
fbem-26174	158	19	of	of	ADP
fbem-26174	158	20	relief	relief	NOUN
fbem-26174	158	21	and	and	CCONJ
fbem-26174	158	22	safeguard	safeguard	VERB
fbem-26174	158	23	their	their	PRON
fbem-26174	158	24	legitimate	legitimate	ADJ
fbem-26174	158	25	rights	right	NOUN
fbem-26174	158	26	and	and	CCONJ
fbem-26174	158	27	interests	interest	NOUN
fbem-26174	158	28	.	.	PUNCT
fbem-26174	159	1	establishing	establish	VERB
fbem-26174	159	2	a	a	DET
fbem-26174	159	3	diversified	diversified	ADJ
fbem-26174	159	4	dispute	dispute	NOUN
fbem-26174	159	5	resolution	resolution	NOUN
fbem-26174	159	6	mechanism	mechanism	NOUN
fbem-26174	159	7	.	.	PUNCT
fbem-26174	160	1	the	the	DET
fbem-26174	160	2	complexity	complexity	NOUN
fbem-26174	160	3	and	and	CCONJ
fbem-26174	160	4	diversity	diversity	NOUN
fbem-26174	160	5	of	of	ADP
fbem-26174	160	6	financial	financial	ADJ
fbem-26174	160	7	technology	technology	NOUN
fbem-26174	160	8	cases	case	NOUN
fbem-26174	160	9	determine	determine	VERB
fbem-26174	160	10	the	the	DET
fbem-26174	160	11	need	need	NOUN
fbem-26174	160	12	to	to	PART
fbem-26174	160	13	establish	establish	VERB
fbem-26174	160	14	a	a	DET
fbem-26174	160	15	diversified	diversified	ADJ
fbem-26174	160	16	dispute	dispute	NOUN
fbem-26174	160	17	resolution	resolution	NOUN
fbem-26174	160	18	mechanism	mechanism	NOUN
fbem-26174	160	19	.	.	PUNCT
fbem-26174	161	1	in	in	ADP
fbem-26174	161	2	addition	addition	NOUN
fbem-26174	161	3	to	to	ADP
fbem-26174	161	4	the	the	DET
fbem-26174	161	5	traditional	traditional	ADJ
fbem-26174	161	6	judicial	judicial	ADJ
fbem-26174	161	7	litigation	litigation	NOUN
fbem-26174	161	8	route	route	NOUN
fbem-26174	161	9	,	,	PUNCT
fbem-26174	161	10	more	more	ADJ
fbem-26174	161	11	choices	choice	NOUN
fbem-26174	161	12	and	and	CCONJ
fbem-26174	161	13	convenience	convenience	NOUN
fbem-26174	161	14	can	can	AUX
fbem-26174	161	15	be	be	AUX
fbem-26174	161	16	provided	provide	VERB
fbem-26174	161	17	to	to	ADP
fbem-26174	161	18	the	the	DET
fbem-26174	161	19	parties	party	NOUN
fbem-26174	161	20	by	by	ADP
fbem-26174	161	21	establishing	establish	VERB
fbem-26174	161	22	alternative	alternative	ADJ
fbem-26174	161	23	dispute	dispute	NOUN
fbem-26174	161	24	resolution	resolution	NOUN
fbem-26174	161	25	mechanisms	mechanism	NOUN
fbem-26174	161	26	such	such	ADJ
fbem-26174	161	27	as	as	ADP
fbem-26174	161	28	arbitration	arbitration	NOUN
fbem-26174	161	29	and	and	CCONJ
fbem-26174	161	30	mediation	mediation	NOUN
fbem-26174	161	31	.	.	PUNCT
fbem-26174	162	1	for	for	ADP
fbem-26174	162	2	example	example	NOUN
fbem-26174	162	3	,	,	PUNCT
fbem-26174	162	4	a	a	DET
fbem-26174	162	5	fintech	fintech	NOUN
fbem-26174	162	6	arbitration	arbitration	NOUN
fbem-26174	162	7	centre	centre	NOUN
fbem-26174	162	8	can	can	AUX
fbem-26174	162	9	be	be	AUX
fbem-26174	162	10	set	set	VERB
fbem-26174	162	11	up	up	ADP
fbem-26174	162	12	to	to	PART
fbem-26174	162	13	specifically	specifically	ADV
fbem-26174	162	14	handle	handle	VERB
fbem-26174	162	15	fintech	fintech	NOUN
fbem-26174	162	16	-	-	PUNCT
fbem-26174	162	17	related	relate	VERB
fbem-26174	162	18	arbitration	arbitration	NOUN
fbem-26174	162	19	cases	case	NOUN
fbem-26174	162	20	;	;	PUNCT
fbem-26174	162	21	the	the	DET
fbem-26174	162	22	cost	cost	NOUN
fbem-26174	162	23	and	and	CCONJ
fbem-26174	162	24	time	time	NOUN
fbem-26174	162	25	of	of	ADP
fbem-26174	162	26	litigation	litigation	NOUN
fbem-26174	162	27	can	can	AUX
fbem-26174	162	28	be	be	AUX
fbem-26174	162	29	reduced	reduce	VERB
fbem-26174	162	30	by	by	ADP
fbem-26174	162	31	introducing	introduce	VERB
fbem-26174	162	32	a	a	DET
fbem-26174	162	33	thirdparty	thirdparty	NOUN
fbem-26174	162	34	mediation	mediation	NOUN
fbem-26174	162	35	institution	institution	NOUN
fbem-26174	162	36	to	to	PART
fbem-26174	162	37	help	help	VERB
fbem-26174	162	38	parties	party	NOUN
fbem-26174	162	39	resolve	resolve	VERB
fbem-26174	162	40	disputes	dispute	NOUN
fbem-26174	162	41	through	through	ADP
fbem-26174	162	42	mediation	mediation	NOUN
fbem-26174	162	43	.	.	PUNCT
fbem-26174	163	1	enhance	enhance	VERB
fbem-26174	163	2	judicial	judicial	ADJ
fbem-26174	163	3	openness	openness	NOUN
fbem-26174	163	4	and	and	CCONJ
fbem-26174	163	5	transparency	transparency	NOUN
fbem-26174	163	6	.	.	PUNCT
fbem-26174	164	1	judicial	judicial	ADJ
fbem-26174	164	2	openness	openness	NOUN
fbem-26174	164	3	and	and	CCONJ
fbem-26174	164	4	transparency	transparency	NOUN
fbem-26174	164	5	is	be	AUX
fbem-26174	164	6	an	an	DET
fbem-26174	164	7	90	90	NUM
fbem-26174	164	8	important	important	ADJ
fbem-26174	164	9	way	way	NOUN
fbem-26174	164	10	to	to	PART
fbem-26174	164	11	enhance	enhance	VERB
fbem-26174	164	12	judicial	judicial	ADJ
fbem-26174	164	13	credibility	credibility	NOUN
fbem-26174	164	14	.	.	PUNCT
fbem-26174	165	1	the	the	DET
fbem-26174	165	2	judiciary	judiciary	NOUN
fbem-26174	165	3	can	can	AUX
fbem-26174	165	4	enhance	enhance	VERB
fbem-26174	165	5	the	the	DET
fbem-26174	165	6	public	public	NOUN
fbem-26174	165	7	's	's	PART
fbem-26174	165	8	trust	trust	NOUN
fbem-26174	165	9	and	and	CCONJ
fbem-26174	165	10	confidence	confidence	NOUN
fbem-26174	165	11	in	in	ADP
fbem-26174	165	12	the	the	DET
fbem-26174	165	13	judiciary	judiciary	NOUN
fbem-26174	165	14	by	by	ADP
fbem-26174	165	15	establishing	establish	VERB
fbem-26174	165	16	an	an	DET
fbem-26174	165	17	open	open	ADJ
fbem-26174	165	18	and	and	CCONJ
fbem-26174	165	19	transparent	transparent	ADJ
fbem-26174	165	20	judicial	judicial	ADJ
fbem-26174	165	21	information	information	NOUN
fbem-26174	165	22	disclosure	disclosure	NOUN
fbem-26174	165	23	system	system	NOUN
fbem-26174	165	24	to	to	PART
fbem-26174	165	25	disclose	disclose	VERB
fbem-26174	165	26	to	to	ADP
fbem-26174	165	27	the	the	DET
fbem-26174	165	28	public	public	NOUN
fbem-26174	165	29	in	in	ADP
fbem-26174	165	30	a	a	DET
fbem-26174	165	31	timely	timely	ADJ
fbem-26174	165	32	manner	manner	NOUN
fbem-26174	165	33	the	the	DET
fbem-26174	165	34	status	status	NOUN
fbem-26174	165	35	of	of	ADP
fbem-26174	165	36	hearings	hearing	NOUN
fbem-26174	165	37	and	and	CCONJ
fbem-26174	165	38	judgements	judgement	NOUN
fbem-26174	165	39	in	in	ADP
fbem-26174	165	40	fintech	fintech	NOUN
fbem-26174	165	41	cases	case	NOUN
fbem-26174	165	42	.	.	PUNCT
fbem-26174	166	1	in	in	ADP
fbem-26174	166	2	addition	addition	NOUN
fbem-26174	166	3	,	,	PUNCT
fbem-26174	166	4	the	the	DET
fbem-26174	166	5	trial	trial	NOUN
fbem-26174	166	6	process	process	NOUN
fbem-26174	166	7	and	and	CCONJ
fbem-26174	166	8	results	result	NOUN
fbem-26174	166	9	of	of	ADP
fbem-26174	166	10	fintech	fintech	NOUN
fbem-26174	166	11	cases	case	NOUN
fbem-26174	166	12	can	can	AUX
fbem-26174	166	13	be	be	AUX
fbem-26174	166	14	made	make	VERB
fbem-26174	166	15	public	public	ADJ
fbem-26174	166	16	through	through	ADP
fbem-26174	166	17	the	the	DET
fbem-26174	166	18	establishment	establishment	NOUN
fbem-26174	166	19	of	of	ADP
fbem-26174	166	20	a	a	DET
fbem-26174	166	21	judicial	judicial	ADJ
fbem-26174	166	22	disclosure	disclosure	NOUN
fbem-26174	166	23	platform	platform	NOUN
fbem-26174	166	24	to	to	PART
fbem-26174	166	25	promote	promote	VERB
fbem-26174	166	26	public	public	ADJ
fbem-26174	166	27	supervision	supervision	NOUN
fbem-26174	166	28	and	and	CCONJ
fbem-26174	166	29	participation	participation	NOUN
fbem-26174	166	30	in	in	ADP
fbem-26174	166	31	judicial	judicial	ADJ
fbem-26174	166	32	work	work	NOUN
fbem-26174	166	33	.	.	PUNCT
fbem-26174	167	1	enhancing	enhance	VERB
fbem-26174	167	2	the	the	DET
fbem-26174	167	3	convenience	convenience	NOUN
fbem-26174	167	4	of	of	ADP
fbem-26174	167	5	judicial	judicial	ADJ
fbem-26174	167	6	remedies	remedy	NOUN
fbem-26174	167	7	.	.	PUNCT
fbem-26174	168	1	in	in	ADP
fbem-26174	168	2	order	order	NOUN
fbem-26174	168	3	to	to	PART
fbem-26174	168	4	enhance	enhance	VERB
fbem-26174	168	5	the	the	DET
fbem-26174	168	6	convenience	convenience	NOUN
fbem-26174	168	7	of	of	ADP
fbem-26174	168	8	judicial	judicial	ADJ
fbem-26174	168	9	remedies	remedy	NOUN
fbem-26174	168	10	,	,	PUNCT
fbem-26174	168	11	the	the	DET
fbem-26174	168	12	judicial	judicial	ADJ
fbem-26174	168	13	authorities	authority	NOUN
fbem-26174	168	14	can	can	AUX
fbem-26174	168	15	simplify	simplify	VERB
fbem-26174	168	16	litigation	litigation	NOUN
fbem-26174	168	17	links	link	NOUN
fbem-26174	168	18	,	,	PUNCT
fbem-26174	168	19	shorten	shorten	VERB
fbem-26174	168	20	litigation	litigation	NOUN
fbem-26174	168	21	cycles	cycle	NOUN
fbem-26174	168	22	and	and	CCONJ
fbem-26174	168	23	reduce	reduce	VERB
fbem-26174	168	24	litigation	litigation	NOUN
fbem-26174	168	25	costs	cost	NOUN
fbem-26174	168	26	by	by	ADP
fbem-26174	168	27	optimising	optimise	VERB
fbem-26174	168	28	litigation	litigation	NOUN
fbem-26174	168	29	procedures	procedure	NOUN
fbem-26174	168	30	and	and	CCONJ
fbem-26174	168	31	processes	process	NOUN
fbem-26174	168	32	.	.	PUNCT
fbem-26174	169	1	for	for	ADP
fbem-26174	169	2	example	example	NOUN
fbem-26174	169	3	,	,	PUNCT
fbem-26174	169	4	it	it	PRON
fbem-26174	169	5	can	can	AUX
fbem-26174	169	6	provide	provide	VERB
fbem-26174	169	7	one	one	NUM
fbem-26174	169	8	-	-	PUNCT
fbem-26174	169	9	stop	stop	VERB
fbem-26174	169	10	case	case	NOUN
fbem-26174	169	11	acceptance	acceptance	NOUN
fbem-26174	169	12	and	and	CCONJ
fbem-26174	169	13	consulting	consulting	NOUN
fbem-26174	169	14	services	service	NOUN
fbem-26174	169	15	by	by	ADP
fbem-26174	169	16	setting	set	VERB
fbem-26174	169	17	up	up	ADP
fbem-26174	169	18	a	a	DET
fbem-26174	169	19	special	special	ADJ
fbem-26174	169	20	window	window	NOUN
fbem-26174	169	21	for	for	ADP
fbem-26174	169	22	accepting	accept	VERB
fbem-26174	169	23	fintech	fintech	NOUN
fbem-26174	169	24	cases	case	NOUN
fbem-26174	169	25	;	;	PUNCT
fbem-26174	169	26	it	it	PRON
fbem-26174	169	27	can	can	AUX
fbem-26174	169	28	improve	improve	VERB
fbem-26174	169	29	the	the	DET
fbem-26174	169	30	efficiency	efficiency	NOUN
fbem-26174	169	31	and	and	CCONJ
fbem-26174	169	32	convenience	convenience	NOUN
fbem-26174	169	33	of	of	ADP
fbem-26174	169	34	case	case	NOUN
fbem-26174	169	35	processing	processing	NOUN
fbem-26174	169	36	by	by	ADP
fbem-26174	169	37	applying	apply	VERB
fbem-26174	169	38	information	information	NOUN
fbem-26174	169	39	technology	technology	NOUN
fbem-26174	169	40	to	to	PART
fbem-26174	169	41	realise	realise	VERB
fbem-26174	169	42	online	online	ADJ
fbem-26174	169	43	acceptance	acceptance	NOUN
fbem-26174	169	44	and	and	CCONJ
fbem-26174	169	45	hearing	hearing	NOUN
fbem-26174	169	46	of	of	ADP
fbem-26174	169	47	cases	case	NOUN
fbem-26174	169	48	.	.	PUNCT
fbem-26174	170	1	provide	provide	VERB
fbem-26174	170	2	legal	legal	ADJ
fbem-26174	170	3	assistance	assistance	NOUN
fbem-26174	170	4	and	and	CCONJ
fbem-26174	170	5	support	support	NOUN
fbem-26174	170	6	.	.	PUNCT
fbem-26174	171	1	many	many	ADJ
fbem-26174	171	2	parties	party	NOUN
fbem-26174	171	3	in	in	ADP
fbem-26174	171	4	fintech	fintech	NOUN
fbem-26174	171	5	cases	case	NOUN
fbem-26174	171	6	,	,	PUNCT
fbem-26174	171	7	especially	especially	ADV
fbem-26174	171	8	ordinary	ordinary	ADJ
fbem-26174	171	9	consumers	consumer	NOUN
fbem-26174	171	10	,	,	PUNCT
fbem-26174	171	11	often	often	ADV
fbem-26174	171	12	have	have	VERB
fbem-26174	171	13	difficulty	difficulty	NOUN
fbem-26174	171	14	in	in	ADP
fbem-26174	171	15	obtaining	obtain	VERB
fbem-26174	171	16	effective	effective	ADJ
fbem-26174	171	17	legal	legal	ADJ
fbem-26174	171	18	remedies	remedy	NOUN
fbem-26174	171	19	due	due	ADJ
fbem-26174	171	20	to	to	ADP
fbem-26174	171	21	a	a	DET
fbem-26174	171	22	lack	lack	NOUN
fbem-26174	171	23	of	of	ADP
fbem-26174	171	24	legal	legal	ADJ
fbem-26174	171	25	knowledge	knowledge	NOUN
fbem-26174	171	26	and	and	CCONJ
fbem-26174	171	27	financial	financial	ADJ
fbem-26174	171	28	capacity	capacity	NOUN
fbem-26174	171	29	.	.	PUNCT
fbem-26174	172	1	the	the	DET
fbem-26174	172	2	judiciary	judiciary	NOUN
fbem-26174	172	3	can	can	AUX
fbem-26174	172	4	help	help	VERB
fbem-26174	172	5	these	these	DET
fbem-26174	172	6	vulnerable	vulnerable	ADJ
fbem-26174	172	7	groups	group	NOUN
fbem-26174	172	8	safeguard	safeguard	VERB
fbem-26174	172	9	their	their	PRON
fbem-26174	172	10	legal	legal	ADJ
fbem-26174	172	11	rights	right	NOUN
fbem-26174	172	12	and	and	CCONJ
fbem-26174	172	13	interests	interest	NOUN
fbem-26174	172	14	by	by	ADP
fbem-26174	172	15	providing	provide	VERB
fbem-26174	172	16	legal	legal	ADJ
fbem-26174	172	17	aid	aid	NOUN
fbem-26174	172	18	and	and	CCONJ
fbem-26174	172	19	support	support	NOUN
fbem-26174	172	20	.	.	PUNCT
fbem-26174	173	1	for	for	ADP
fbem-26174	173	2	example	example	NOUN
fbem-26174	173	3	,	,	PUNCT
fbem-26174	173	4	free	free	ADJ
fbem-26174	173	5	legal	legal	ADJ
fbem-26174	173	6	advice	advice	NOUN
fbem-26174	173	7	and	and	CCONJ
fbem-26174	173	8	assistance	assistance	NOUN
fbem-26174	173	9	services	service	NOUN
fbem-26174	173	10	can	can	AUX
fbem-26174	173	11	be	be	AUX
fbem-26174	173	12	provided	provide	VERB
fbem-26174	173	13	to	to	ADP
fbem-26174	173	14	parties	party	NOUN
fbem-26174	173	15	through	through	ADP
fbem-26174	173	16	the	the	DET
fbem-26174	173	17	establishment	establishment	NOUN
fbem-26174	173	18	of	of	ADP
fbem-26174	173	19	legal	legal	ADJ
fbem-26174	173	20	aid	aid	NOUN
fbem-26174	173	21	centres	centre	NOUN
fbem-26174	173	22	;	;	PUNCT
fbem-26174	173	23	public	public	ADJ
fbem-26174	173	24	interest	interest	NOUN
fbem-26174	173	25	lawyers	lawyer	NOUN
fbem-26174	173	26	and	and	CCONJ
fbem-26174	173	27	legal	legal	ADJ
fbem-26174	173	28	volunteers	volunteer	NOUN
fbem-26174	173	29	can	can	AUX
fbem-26174	173	30	be	be	AUX
fbem-26174	173	31	brought	bring	VERB
fbem-26174	173	32	in	in	ADP
fbem-26174	173	33	to	to	PART
fbem-26174	173	34	help	help	VERB
fbem-26174	173	35	parties	party	NOUN
fbem-26174	173	36	solve	solve	VERB
fbem-26174	173	37	legal	legal	ADJ
fbem-26174	173	38	problems	problem	NOUN
fbem-26174	173	39	and	and	CCONJ
fbem-26174	173	40	provide	provide	VERB
fbem-26174	173	41	legal	legal	ADJ
fbem-26174	173	42	support	support	NOUN
fbem-26174	173	43	and	and	CCONJ
fbem-26174	173	44	assistance	assistance	NOUN
fbem-26174	173	45	.	.	PUNCT
fbem-26174	174	1	fifth	fifth	ADJ
fbem-26174	174	2	,	,	PUNCT
fbem-26174	174	3	strengthen	strengthen	VERB
fbem-26174	174	4	international	international	ADJ
fbem-26174	174	5	judicial	judicial	ADJ
fbem-26174	174	6	cooperation	cooperation	NOUN
fbem-26174	174	7	.	.	PUNCT
fbem-26174	175	1	the	the	DET
fbem-26174	175	2	development	development	NOUN
fbem-26174	175	3	of	of	ADP
fbem-26174	175	4	fintech	fintech	NOUN
fbem-26174	175	5	is	be	AUX
fbem-26174	175	6	characterised	characterise	VERB
fbem-26174	175	7	by	by	ADP
fbem-26174	175	8	globalisation	globalisation	NOUN
fbem-26174	175	9	,	,	PUNCT
fbem-26174	175	10	and	and	CCONJ
fbem-26174	175	11	the	the	DET
fbem-26174	175	12	increase	increase	NOUN
fbem-26174	175	13	in	in	ADP
fbem-26174	175	14	transnational	transnational	ADJ
fbem-26174	175	15	fintech	fintech	NOUN
fbem-26174	175	16	cases	case	NOUN
fbem-26174	175	17	requires	require	VERB
fbem-26174	175	18	judicial	judicial	ADJ
fbem-26174	175	19	authorities	authority	NOUN
fbem-26174	175	20	to	to	PART
fbem-26174	175	21	strengthen	strengthen	VERB
fbem-26174	175	22	international	international	ADJ
fbem-26174	175	23	judicial	judicial	ADJ
fbem-26174	175	24	cooperation	cooperation	NOUN
fbem-26174	175	25	.	.	PUNCT
fbem-26174	176	1	judicial	judicial	ADJ
fbem-26174	176	2	organs	organ	NOUN
fbem-26174	176	3	can	can	AUX
fbem-26174	176	4	establish	establish	VERB
fbem-26174	176	5	a	a	DET
fbem-26174	176	6	transnational	transnational	ADJ
fbem-26174	176	7	judicial	judicial	ADJ
fbem-26174	176	8	collaboration	collaboration	NOUN
fbem-26174	176	9	mechanism	mechanism	NOUN
fbem-26174	176	10	to	to	PART
fbem-26174	176	11	jointly	jointly	ADV
fbem-26174	176	12	deal	deal	VERB
fbem-26174	176	13	with	with	ADP
fbem-26174	176	14	transnational	transnational	ADJ
fbem-26174	176	15	fintech	fintech	NOUN
fbem-26174	176	16	cases	case	NOUN
fbem-26174	176	17	by	by	ADP
fbem-26174	176	18	cooperating	cooperate	VERB
fbem-26174	176	19	with	with	ADP
fbem-26174	176	20	judicial	judicial	ADJ
fbem-26174	176	21	organs	organ	NOUN
fbem-26174	176	22	in	in	ADP
fbem-26174	176	23	other	other	ADJ
fbem-26174	176	24	countries	country	NOUN
fbem-26174	176	25	and	and	CCONJ
fbem-26174	176	26	regions	region	NOUN
fbem-26174	176	27	.	.	PUNCT
fbem-26174	177	1	for	for	ADP
fbem-26174	177	2	example	example	NOUN
fbem-26174	177	3	,	,	PUNCT
fbem-26174	177	4	they	they	PRON
fbem-26174	177	5	can	can	AUX
fbem-26174	177	6	achieve	achieve	VERB
fbem-26174	177	7	the	the	DET
fbem-26174	177	8	sharing	sharing	NOUN
fbem-26174	177	9	of	of	ADP
fbem-26174	177	10	case	case	NOUN
fbem-26174	177	11	information	information	NOUN
fbem-26174	177	12	and	and	CCONJ
fbem-26174	177	13	cooperation	cooperation	NOUN
fbem-26174	177	14	through	through	ADP
fbem-26174	177	15	the	the	DET
fbem-26174	177	16	signing	signing	NOUN
fbem-26174	177	17	of	of	ADP
fbem-26174	177	18	judicial	judicial	ADJ
fbem-26174	177	19	assistance	assistance	NOUN
fbem-26174	177	20	agreements	agreement	NOUN
fbem-26174	177	21	;	;	PUNCT
fbem-26174	177	22	they	they	PRON
fbem-26174	177	23	can	can	AUX
fbem-26174	177	24	establish	establish	VERB
fbem-26174	177	25	a	a	DET
fbem-26174	177	26	transnational	transnational	ADJ
fbem-26174	177	27	judicial	judicial	ADJ
fbem-26174	177	28	cooperation	cooperation	NOUN
fbem-26174	177	29	platform	platform	NOUN
fbem-26174	177	30	to	to	PART
fbem-26174	177	31	promote	promote	VERB
fbem-26174	177	32	exchanges	exchange	NOUN
fbem-26174	177	33	and	and	CCONJ
fbem-26174	177	34	cooperation	cooperation	NOUN
fbem-26174	177	35	among	among	ADP
fbem-26174	177	36	judicial	judicial	ADJ
fbem-26174	177	37	personnel	personnel	NOUN
fbem-26174	177	38	and	and	CCONJ
fbem-26174	177	39	improve	improve	VERB
fbem-26174	177	40	the	the	DET
fbem-26174	177	41	capacity	capacity	NOUN
fbem-26174	177	42	and	and	CCONJ
fbem-26174	177	43	efficiency	efficiency	NOUN
fbem-26174	177	44	of	of	ADP
fbem-26174	177	45	transnational	transnational	ADJ
fbem-26174	177	46	case	case	NOUN
fbem-26174	177	47	handling	handling	NOUN
fbem-26174	177	48	.	.	PUNCT
fbem-26174	178	1	4.4	4.4	NUM
fbem-26174	178	2	.	.	PUNCT
fbem-26174	179	1	publicise	publicise	VERB
fbem-26174	179	2	the	the	DET
fbem-26174	179	3	awareness	awareness	NOUN
fbem-26174	179	4	of	of	ADP
fbem-26174	179	5	compliance	compliance	NOUN
fbem-26174	179	6	with	with	ADP
fbem-26174	179	7	the	the	DET
fbem-26174	179	8	law	law	NOUN
fbem-26174	179	9	and	and	CCONJ
fbem-26174	179	10	cultivate	cultivate	VERB
fbem-26174	179	11	a	a	DET
fbem-26174	179	12	favourable	favourable	ADJ
fbem-26174	179	13	law	law	NOUN
fbem-26174	179	14	-	-	PUNCT
fbem-26174	179	15	abiding	abide	VERB
fbem-26174	179	16	environment	environment	NOUN
fbem-26174	179	17	in	in	ADP
fbem-26174	179	18	order	order	NOUN
fbem-26174	179	19	to	to	PART
fbem-26174	179	20	ensure	ensure	VERB
fbem-26174	179	21	the	the	DET
fbem-26174	179	22	healthy	healthy	ADJ
fbem-26174	179	23	development	development	NOUN
fbem-26174	179	24	of	of	ADP
fbem-26174	179	25	the	the	DET
fbem-26174	179	26	fintech	fintech	NOUN
fbem-26174	179	27	industry	industry	NOUN
fbem-26174	179	28	,	,	PUNCT
fbem-26174	179	29	it	it	PRON
fbem-26174	179	30	is	be	AUX
fbem-26174	179	31	crucial	crucial	ADJ
fbem-26174	179	32	to	to	PART
fbem-26174	179	33	publicise	publicise	VERB
fbem-26174	179	34	the	the	DET
fbem-26174	179	35	awareness	awareness	NOUN
fbem-26174	179	36	of	of	ADP
fbem-26174	179	37	legal	legal	ADJ
fbem-26174	179	38	compliance	compliance	NOUN
fbem-26174	179	39	and	and	CCONJ
fbem-26174	179	40	cultivate	cultivate	VERB
fbem-26174	179	41	a	a	DET
fbem-26174	179	42	good	good	ADJ
fbem-26174	179	43	law	law	NOUN
fbem-26174	179	44	-	-	PUNCT
fbem-26174	179	45	abiding	abide	VERB
fbem-26174	179	46	environment	environment	NOUN
fbem-26174	179	47	.	.	PUNCT
fbem-26174	180	1	relevant	relevant	ADJ
fbem-26174	180	2	state	state	NOUN
fbem-26174	180	3	departments	department	NOUN
fbem-26174	180	4	should	should	AUX
fbem-26174	180	5	actively	actively	ADV
fbem-26174	180	6	carry	carry	VERB
fbem-26174	180	7	out	out	ADP
fbem-26174	180	8	fintechrelated	fintechrelate	VERB
fbem-26174	180	9	legal	legal	ADJ
fbem-26174	180	10	education	education	NOUN
fbem-26174	180	11	,	,	PUNCT
fbem-26174	180	12	enhance	enhance	VERB
fbem-26174	180	13	the	the	DET
fbem-26174	180	14	legal	legal	ADJ
fbem-26174	180	15	awareness	awareness	NOUN
fbem-26174	180	16	of	of	ADP
fbem-26174	180	17	fintech	fintech	NOUN
fbem-26174	180	18	participants	participant	NOUN
fbem-26174	180	19	through	through	ADP
fbem-26174	180	20	multi	multi	ADJ
fbem-26174	180	21	-	-	ADJ
fbem-26174	180	22	level	level	ADJ
fbem-26174	180	23	and	and	CCONJ
fbem-26174	180	24	multi	multi	ADJ
fbem-26174	180	25	-	-	ADJ
fbem-26174	180	26	channel	channel	ADJ
fbem-26174	180	27	legal	legal	ADJ
fbem-26174	180	28	activities	activity	NOUN
fbem-26174	180	29	,	,	PUNCT
fbem-26174	180	30	and	and	CCONJ
fbem-26174	180	31	build	build	VERB
fbem-26174	180	32	a	a	DET
fbem-26174	180	33	harmonious	harmonious	ADJ
fbem-26174	180	34	and	and	CCONJ
fbem-26174	180	35	orderly	orderly	ADJ
fbem-26174	180	36	fintech	fintech	NOUN
fbem-26174	180	37	ecological	ecological	ADJ
fbem-26174	180	38	environment	environment	NOUN
fbem-26174	180	39	.	.	PUNCT
fbem-26174	181	1	4.4.1	4.4.1	X
fbem-26174	181	2	.	.	PUNCT
fbem-26174	182	1	the	the	DET
fbem-26174	182	2	legal	legal	ADJ
fbem-26174	182	3	education	education	NOUN
fbem-26174	182	4	for	for	ADP
fbem-26174	182	5	the	the	DET
fbem-26174	182	6	main	main	ADJ
fbem-26174	182	7	body	body	NOUN
fbem-26174	182	8	of	of	ADP
fbem-26174	182	9	the	the	DET
fbem-26174	182	10	business	business	NOUN
fbem-26174	182	11	among	among	ADP
fbem-26174	182	12	the	the	DET
fbem-26174	182	13	fintech	fintech	NOUN
fbem-26174	182	14	participants	participant	NOUN
fbem-26174	182	15	,	,	PUNCT
fbem-26174	182	16	the	the	DET
fbem-26174	182	17	operating	operate	VERB
fbem-26174	182	18	subjects	subject	NOUN
fbem-26174	182	19	in	in	ADP
fbem-26174	182	20	a	a	DET
fbem-26174	182	21	relatively	relatively	ADV
fbem-26174	182	22	strong	strong	ADJ
fbem-26174	182	23	position	position	NOUN
fbem-26174	182	24	,	,	PUNCT
fbem-26174	182	25	such	such	ADJ
fbem-26174	182	26	as	as	ADP
fbem-26174	182	27	fintech	fintech	NOUN
fbem-26174	182	28	companies	company	NOUN
fbem-26174	182	29	and	and	CCONJ
fbem-26174	182	30	internet	internet	NOUN
fbem-26174	182	31	financial	financial	ADJ
fbem-26174	182	32	platforms	platform	NOUN
fbem-26174	182	33	,	,	PUNCT
fbem-26174	182	34	often	often	ADV
fbem-26174	182	35	hold	hold	VERB
fbem-26174	182	36	a	a	DET
fbem-26174	182	37	large	large	ADJ
fbem-26174	182	38	amount	amount	NOUN
fbem-26174	182	39	of	of	ADP
fbem-26174	182	40	capital	capital	NOUN
fbem-26174	182	41	and	and	CCONJ
fbem-26174	182	42	data	datum	NOUN
fbem-26174	182	43	resources	resource	NOUN
fbem-26174	182	44	,	,	PUNCT
fbem-26174	182	45	and	and	CCONJ
fbem-26174	182	46	their	their	PRON
fbem-26174	182	47	behaviours	behaviour	NOUN
fbem-26174	182	48	have	have	VERB
fbem-26174	182	49	an	an	DET
fbem-26174	182	50	important	important	ADJ
fbem-26174	182	51	impact	impact	NOUN
fbem-26174	182	52	on	on	ADP
fbem-26174	182	53	the	the	DET
fbem-26174	182	54	whole	whole	ADJ
fbem-26174	182	55	industry	industry	NOUN
fbem-26174	182	56	.	.	PUNCT
fbem-26174	183	1	therefore	therefore	ADV
fbem-26174	183	2	,	,	PUNCT
fbem-26174	183	3	it	it	PRON
fbem-26174	183	4	is	be	AUX
fbem-26174	183	5	particularly	particularly	ADV
fbem-26174	183	6	important	important	ADJ
fbem-26174	183	7	to	to	PART
fbem-26174	183	8	promote	promote	VERB
fbem-26174	183	9	and	and	CCONJ
fbem-26174	183	10	educate	educate	VERB
fbem-26174	183	11	these	these	DET
fbem-26174	183	12	subjects	subject	NOUN
fbem-26174	183	13	about	about	ADP
fbem-26174	183	14	the	the	DET
fbem-26174	183	15	law	law	NOUN
fbem-26174	183	16	.	.	PUNCT
fbem-26174	184	1	firstly	firstly	ADV
fbem-26174	184	2	,	,	PUNCT
fbem-26174	184	3	the	the	DET
fbem-26174	184	4	relevant	relevant	ADJ
fbem-26174	184	5	state	state	NOUN
fbem-26174	184	6	departments	department	NOUN
fbem-26174	184	7	should	should	AUX
fbem-26174	184	8	publicise	publicise	VERB
fbem-26174	184	9	relevant	relevant	ADJ
fbem-26174	184	10	laws	law	NOUN
fbem-26174	184	11	and	and	CCONJ
fbem-26174	184	12	regulations	regulation	NOUN
fbem-26174	184	13	and	and	CCONJ
fbem-26174	184	14	moral	moral	ADJ
fbem-26174	184	15	and	and	CCONJ
fbem-26174	184	16	ethical	ethical	ADJ
fbem-26174	184	17	codes	code	NOUN
fbem-26174	184	18	to	to	ADP
fbem-26174	184	19	fintech	fintech	NOUN
fbem-26174	184	20	business	business	NOUN
fbem-26174	184	21	subjects	subject	NOUN
fbem-26174	184	22	through	through	ADP
fbem-26174	184	23	a	a	DET
fbem-26174	184	24	variety	variety	NOUN
fbem-26174	184	25	of	of	ADP
fbem-26174	184	26	ways	way	NOUN
fbem-26174	184	27	and	and	CCONJ
fbem-26174	184	28	means	mean	NOUN
fbem-26174	184	29	.	.	PUNCT
fbem-26174	185	1	legal	legal	ADJ
fbem-26174	185	2	experts	expert	NOUN
fbem-26174	185	3	and	and	CCONJ
fbem-26174	185	4	industry	industry	NOUN
fbem-26174	185	5	insiders	insider	NOUN
fbem-26174	185	6	can	can	AUX
fbem-26174	185	7	be	be	AUX
fbem-26174	185	8	invited	invite	VERB
fbem-26174	185	9	to	to	PART
fbem-26174	185	10	give	give	VERB
fbem-26174	185	11	lectures	lecture	NOUN
fbem-26174	185	12	by	by	ADP
fbem-26174	185	13	organising	organise	VERB
fbem-26174	185	14	industry	industry	NOUN
fbem-26174	185	15	conferences	conference	NOUN
fbem-26174	185	16	,	,	PUNCT
fbem-26174	185	17	training	training	NOUN
fbem-26174	185	18	courses	course	NOUN
fbem-26174	185	19	and	and	CCONJ
fbem-26174	185	20	seminars	seminar	NOUN
fbem-26174	185	21	to	to	PART
fbem-26174	185	22	help	help	VERB
fbem-26174	185	23	business	business	NOUN
fbem-26174	185	24	subjects	subject	NOUN
fbem-26174	185	25	understand	understand	VERB
fbem-26174	185	26	and	and	CCONJ
fbem-26174	185	27	master	master	NOUN
fbem-26174	185	28	fintech	fintech	NOUN
fbem-26174	185	29	-	-	PUNCT
fbem-26174	185	30	related	relate	VERB
fbem-26174	185	31	laws	law	NOUN
fbem-26174	185	32	,	,	PUNCT
fbem-26174	185	33	regulations	regulation	NOUN
fbem-26174	185	34	and	and	CCONJ
fbem-26174	185	35	policy	policy	NOUN
fbem-26174	185	36	requirements	requirement	NOUN
fbem-26174	185	37	,	,	PUNCT
fbem-26174	185	38	and	and	CCONJ
fbem-26174	185	39	to	to	PART
fbem-26174	185	40	raise	raise	VERB
fbem-26174	185	41	the	the	DET
fbem-26174	185	42	legal	legal	ADJ
fbem-26174	185	43	awareness	awareness	NOUN
fbem-26174	185	44	and	and	CCONJ
fbem-26174	185	45	lawabiding	lawabide	VERB
fbem-26174	185	46	conscientiousness	conscientiousness	NOUN
fbem-26174	185	47	of	of	ADP
fbem-26174	185	48	business	business	NOUN
fbem-26174	185	49	subjects	subject	NOUN
fbem-26174	185	50	.	.	PUNCT
fbem-26174	186	1	secondly	secondly	ADV
fbem-26174	186	2	,	,	PUNCT
fbem-26174	186	3	the	the	DET
fbem-26174	186	4	fintech	fintech	NOUN
fbem-26174	186	5	industry	industry	NOUN
fbem-26174	186	6	community	community	NOUN
fbem-26174	186	7	can	can	AUX
fbem-26174	186	8	be	be	AUX
fbem-26174	186	9	encouraged	encourage	VERB
fbem-26174	186	10	to	to	PART
fbem-26174	186	11	formulate	formulate	VERB
fbem-26174	186	12	and	and	CCONJ
fbem-26174	186	13	publish	publish	VERB
fbem-26174	186	14	industry	industry	NOUN
fbem-26174	186	15	norms	norm	NOUN
fbem-26174	186	16	and	and	CCONJ
fbem-26174	186	17	codes	code	NOUN
fbem-26174	186	18	of	of	ADP
fbem-26174	186	19	conduct	conduct	NOUN
fbem-26174	186	20	to	to	PART
fbem-26174	186	21	regulate	regulate	VERB
fbem-26174	186	22	the	the	DET
fbem-26174	186	23	behaviour	behaviour	NOUN
fbem-26174	186	24	of	of	ADP
fbem-26174	186	25	fintech	fintech	NOUN
fbem-26174	186	26	business	business	NOUN
fbem-26174	186	27	entities	entity	NOUN
fbem-26174	186	28	in	in	ADP
fbem-26174	186	29	specific	specific	ADJ
fbem-26174	186	30	business	business	NOUN
fbem-26174	186	31	activities	activity	NOUN
fbem-26174	186	32	,	,	PUNCT
fbem-26174	186	33	regulate	regulate	VERB
fbem-26174	186	34	the	the	DET
fbem-26174	186	35	behaviour	behaviour	NOUN
fbem-26174	186	36	of	of	ADP
fbem-26174	186	37	fintech	fintech	NOUN
fbem-26174	186	38	enterprises	enterprise	NOUN
fbem-26174	186	39	by	by	ADP
fbem-26174	186	40	formulating	formulate	VERB
fbem-26174	186	41	industry	industry	NOUN
fbem-26174	186	42	self	self	NOUN
fbem-26174	186	43	-	-	PUNCT
fbem-26174	186	44	regulatory	regulatory	ADJ
fbem-26174	186	45	conventions	convention	NOUN
fbem-26174	186	46	and	and	CCONJ
fbem-26174	186	47	carrying	carry	VERB
fbem-26174	186	48	out	out	ADP
fbem-26174	186	49	industry	industry	NOUN
fbem-26174	186	50	self	self	NOUN
fbem-26174	186	51	-	-	PUNCT
fbem-26174	186	52	regulatory	regulatory	ADJ
fbem-26174	186	53	inspections	inspection	NOUN
fbem-26174	186	54	,	,	PUNCT
fbem-26174	186	55	etc	etc	X
fbem-26174	186	56	.	.	X
fbem-26174	186	57	,	,	PUNCT
fbem-26174	186	58	and	and	CCONJ
fbem-26174	186	59	promote	promote	VERB
fbem-26174	186	60	the	the	DET
fbem-26174	186	61	construction	construction	NOUN
fbem-26174	186	62	of	of	ADP
fbem-26174	186	63	integrity	integrity	NOUN
fbem-26174	186	64	in	in	ADP
fbem-26174	186	65	the	the	DET
fbem-26174	186	66	industry	industry	NOUN
fbem-26174	186	67	by	by	ADP
fbem-26174	186	68	setting	set	VERB
fbem-26174	186	69	up	up	ADP
fbem-26174	186	70	industry	industry	NOUN
fbem-26174	186	71	awards	award	NOUN
fbem-26174	186	72	and	and	CCONJ
fbem-26174	186	73	releasing	releasing	NOUN
fbem-26174	186	74	lists	list	NOUN
fbem-26174	186	75	of	of	ADP
fbem-26174	186	76	honest	honest	ADJ
fbem-26174	186	77	enterprises	enterprise	NOUN
fbem-26174	186	78	to	to	PART
fbem-26174	186	79	commend	commend	VERB
fbem-26174	186	80	and	and	CCONJ
fbem-26174	186	81	incentivise	incentivise	VERB
fbem-26174	186	82	law	law	NOUN
fbem-26174	186	83	-	-	PUNCT
fbem-26174	186	84	abiding	abide	VERB
fbem-26174	186	85	and	and	CCONJ
fbem-26174	186	86	honest	honest	ADJ
fbem-26174	186	87	fintech	fintech	NOUN
fbem-26174	186	88	enterprises	enterprise	NOUN
fbem-26174	186	89	,	,	PUNCT
fbem-26174	186	90	set	set	VERB
fbem-26174	186	91	up	up	ADP
fbem-26174	186	92	industry	industry	NOUN
fbem-26174	186	93	models	model	NOUN
fbem-26174	186	94	,	,	PUNCT
fbem-26174	186	95	advocate	advocate	ADJ
fbem-26174	186	96	law	law	NOUN
fbem-26174	186	97	-	-	PUNCT
fbem-26174	186	98	abiding	abide	VERB
fbem-26174	186	99	operation	operation	NOUN
fbem-26174	186	100	and	and	CCONJ
fbem-26174	186	101	honest	honest	ADJ
fbem-26174	186	102	service	service	NOUN
fbem-26174	186	103	of	of	ADP
fbem-26174	186	104	fintech	fintech	NOUN
fbem-26174	186	105	enterprises	enterprise	NOUN
fbem-26174	186	106	,	,	PUNCT
fbem-26174	186	107	so	so	SCONJ
fbem-26174	186	108	as	as	SCONJ
fbem-26174	186	109	to	to	PART
fbem-26174	186	110	promote	promote	VERB
fbem-26174	186	111	industry	industry	NOUN
fbem-26174	186	112	self	self	NOUN
fbem-26174	186	113	-	-	PUNCT
fbem-26174	186	114	discipline	discipline	NOUN
fbem-26174	186	115	.	.	PUNCT
fbem-26174	187	1	4.4.2	4.4.2	X
fbem-26174	187	2	.	.	PUNCT
fbem-26174	188	1	legal	legal	ADJ
fbem-26174	188	2	awareness	awareness	NOUN
fbem-26174	188	3	and	and	CCONJ
fbem-26174	188	4	education	education	NOUN
fbem-26174	188	5	for	for	ADP
fbem-26174	188	6	consumer	consumer	NOUN
fbem-26174	188	7	subjects	subject	NOUN
fbem-26174	188	8	among	among	ADP
fbem-26174	188	9	the	the	DET
fbem-26174	188	10	fintech	fintech	NOUN
fbem-26174	188	11	participants	participant	NOUN
fbem-26174	188	12	,	,	PUNCT
fbem-26174	188	13	the	the	DET
fbem-26174	188	14	relatively	relatively	ADV
fbem-26174	188	15	disadvantaged	disadvantaged	ADJ
fbem-26174	188	16	consumer	consumer	NOUN
fbem-26174	188	17	subjects	subject	NOUN
fbem-26174	188	18	such	such	ADJ
fbem-26174	188	19	as	as	ADP
fbem-26174	188	20	ordinary	ordinary	ADJ
fbem-26174	188	21	consumers	consumer	NOUN
fbem-26174	188	22	and	and	CCONJ
fbem-26174	188	23	small	small	ADJ
fbem-26174	188	24	and	and	CCONJ
fbem-26174	188	25	micro	micro	ADJ
fbem-26174	188	26	enterprises	enterprise	NOUN
fbem-26174	188	27	have	have	VERB
fbem-26174	188	28	relatively	relatively	ADV
fbem-26174	188	29	weak	weak	ADJ
fbem-26174	188	30	legal	legal	ADJ
fbem-26174	188	31	awareness	awareness	NOUN
fbem-26174	188	32	and	and	CCONJ
fbem-26174	188	33	self	self	NOUN
fbem-26174	188	34	-	-	PUNCT
fbem-26174	188	35	protection	protection	NOUN
fbem-26174	188	36	ability	ability	NOUN
fbem-26174	188	37	.	.	PUNCT
fbem-26174	189	1	in	in	ADP
fbem-26174	189	2	the	the	DET
fbem-26174	189	3	face	face	NOUN
fbem-26174	189	4	of	of	ADP
fbem-26174	189	5	complex	complex	ADJ
fbem-26174	189	6	and	and	CCONJ
fbem-26174	189	7	changing	change	VERB
fbem-26174	189	8	fintech	fintech	NOUN
fbem-26174	189	9	products	product	NOUN
fbem-26174	189	10	and	and	CCONJ
fbem-26174	189	11	services	service	NOUN
fbem-26174	189	12	,	,	PUNCT
fbem-26174	189	13	they	they	PRON
fbem-26174	189	14	are	be	AUX
fbem-26174	189	15	often	often	ADV
fbem-26174	189	16	vulnerable	vulnerable	ADJ
fbem-26174	189	17	to	to	ADP
fbem-26174	189	18	unlawful	unlawful	ADJ
fbem-26174	189	19	acts	act	NOUN
fbem-26174	189	20	.	.	PUNCT
fbem-26174	190	1	therefore	therefore	ADV
fbem-26174	190	2	,	,	PUNCT
fbem-26174	190	3	it	it	PRON
fbem-26174	190	4	is	be	AUX
fbem-26174	190	5	of	of	ADP
fbem-26174	190	6	great	great	ADJ
fbem-26174	190	7	significance	significance	NOUN
fbem-26174	190	8	to	to	PART
fbem-26174	190	9	strengthen	strengthen	VERB
fbem-26174	190	10	legal	legal	ADJ
fbem-26174	190	11	awareness	awareness	NOUN
fbem-26174	190	12	and	and	CCONJ
fbem-26174	190	13	education	education	NOUN
fbem-26174	190	14	for	for	ADP
fbem-26174	190	15	these	these	DET
fbem-26174	190	16	consumer	consumer	NOUN
fbem-26174	190	17	subjects	subject	NOUN
fbem-26174	190	18	.	.	PUNCT
fbem-26174	191	1	first	first	ADV
fbem-26174	191	2	of	of	ADP
fbem-26174	191	3	all	all	PRON
fbem-26174	191	4	,	,	PUNCT
fbem-26174	191	5	the	the	DET
fbem-26174	191	6	relevant	relevant	ADJ
fbem-26174	191	7	state	state	NOUN
fbem-26174	191	8	departments	department	NOUN
fbem-26174	191	9	should	should	AUX
fbem-26174	191	10	popularise	popularise	VERB
fbem-26174	191	11	fintech	fintech	NOUN
fbem-26174	191	12	-	-	PUNCT
fbem-26174	191	13	related	relate	VERB
fbem-26174	191	14	legal	legal	ADJ
fbem-26174	191	15	knowledge	knowledge	NOUN
fbem-26174	191	16	to	to	ADP
fbem-26174	191	17	consumer	consumer	NOUN
fbem-26174	191	18	subjects	subject	NOUN
fbem-26174	191	19	through	through	ADP
fbem-26174	191	20	various	various	ADJ
fbem-26174	191	21	channels	channel	NOUN
fbem-26174	191	22	.	.	PUNCT
fbem-26174	192	1	the	the	DET
fbem-26174	192	2	basic	basic	ADJ
fbem-26174	192	3	knowledge	knowledge	NOUN
fbem-26174	192	4	of	of	ADP
fbem-26174	192	5	fintech	fintech	NOUN
fbem-26174	192	6	products	product	NOUN
fbem-26174	192	7	and	and	CCONJ
fbem-26174	192	8	services	service	NOUN
fbem-26174	192	9	,	,	PUNCT
fbem-26174	192	10	as	as	ADV
fbem-26174	192	11	well	well	ADV
fbem-26174	192	12	as	as	ADP
fbem-26174	192	13	relevant	relevant	ADJ
fbem-26174	192	14	legal	legal	ADJ
fbem-26174	192	15	provisions	provision	NOUN
fbem-26174	192	16	and	and	CCONJ
fbem-26174	192	17	policy	policy	NOUN
fbem-26174	192	18	requirements	requirement	NOUN
fbem-26174	192	19	,	,	PUNCT
fbem-26174	192	20	can	can	AUX
fbem-26174	192	21	be	be	AUX
fbem-26174	192	22	introduced	introduce	VERB
fbem-26174	192	23	to	to	ADP
fbem-26174	192	24	consumers	consumer	NOUN
fbem-26174	192	25	through	through	ADP
fbem-26174	192	26	media	medium	NOUN
fbem-26174	192	27	publicity	publicity	NOUN
fbem-26174	192	28	,	,	PUNCT
fbem-26174	192	29	online	online	ADJ
fbem-26174	192	30	education	education	NOUN
fbem-26174	192	31	,	,	PUNCT
fbem-26174	192	32	community	community	NOUN
fbem-26174	192	33	activities	activity	NOUN
fbem-26174	192	34	and	and	CCONJ
fbem-26174	192	35	other	other	ADJ
fbem-26174	192	36	forms	form	NOUN
fbem-26174	192	37	.	.	PUNCT
fbem-26174	193	1	for	for	ADP
fbem-26174	193	2	example	example	NOUN
fbem-26174	193	3	,	,	PUNCT
fbem-26174	193	4	consumers	consumer	NOUN
fbem-26174	193	5	can	can	AUX
fbem-26174	193	6	be	be	AUX
fbem-26174	193	7	introduced	introduce	VERB
fbem-26174	193	8	to	to	ADP
fbem-26174	193	9	the	the	DET
fbem-26174	193	10	risks	risk	NOUN
fbem-26174	193	11	and	and	CCONJ
fbem-26174	193	12	rights	right	NOUN
fbem-26174	193	13	and	and	CCONJ
fbem-26174	193	14	interests	interest	NOUN
fbem-26174	193	15	’	'	PUNCT
fbem-26174	193	16	protection	protection	NOUN
fbem-26174	193	17	measures	measure	NOUN
fbem-26174	193	18	of	of	ADP
fbem-26174	193	19	fintech	fintech	NOUN
fbem-26174	193	20	products	product	NOUN
fbem-26174	193	21	through	through	ADP
fbem-26174	193	22	the	the	DET
fbem-26174	193	23	production	production	NOUN
fbem-26174	193	24	of	of	ADP
fbem-26174	193	25	legal	legal	ADJ
fbem-26174	193	26	awareness	awareness	NOUN
fbem-26174	193	27	films	film	NOUN
fbem-26174	193	28	,	,	PUNCT
fbem-26174	193	29	the	the	DET
fbem-26174	193	30	release	release	NOUN
fbem-26174	193	31	of	of	ADP
fbem-26174	193	32	legal	legal	ADJ
fbem-26174	193	33	awareness	awareness	NOUN
fbem-26174	193	34	manuals	manual	NOUN
fbem-26174	193	35	,	,	PUNCT
fbem-26174	193	36	and	and	CCONJ
fbem-26174	193	37	the	the	DET
fbem-26174	193	38	conduct	conduct	NOUN
fbem-26174	193	39	of	of	ADP
fbem-26174	193	40	webcasts	webcast	NOUN
fbem-26174	193	41	,	,	PUNCT
fbem-26174	193	42	so	so	SCONJ
fbem-26174	193	43	as	as	SCONJ
fbem-26174	193	44	to	to	PART
fbem-26174	193	45	enhance	enhance	VERB
fbem-26174	193	46	their	their	PRON
fbem-26174	193	47	legal	legal	ADJ
fbem-26174	193	48	awareness	awareness	NOUN
fbem-26174	193	49	and	and	CCONJ
fbem-26174	193	50	risk	risk	NOUN
fbem-26174	193	51	prevention	prevention	NOUN
fbem-26174	193	52	capabilities	capability	NOUN
fbem-26174	193	53	.	.	PUNCT
fbem-26174	194	1	secondly	secondly	ADV
fbem-26174	194	2	,	,	PUNCT
fbem-26174	194	3	emphasis	emphasis	NOUN
fbem-26174	194	4	should	should	AUX
fbem-26174	194	5	be	be	AUX
fbem-26174	194	6	placed	place	VERB
fbem-26174	194	7	on	on	ADP
fbem-26174	194	8	explaining	explain	VERB
fbem-26174	194	9	to	to	ADP
fbem-26174	194	10	consumer	consumer	NOUN
fbem-26174	194	11	subjects	subject	NOUN
fbem-26174	194	12	the	the	DET
fbem-26174	194	13	types	type	NOUN
fbem-26174	194	14	of	of	ADP
fbem-26174	194	15	illegal	illegal	ADJ
fbem-26174	194	16	behaviours	behaviour	NOUN
fbem-26174	194	17	commonly	commonly	ADV
fbem-26174	194	18	found	find	VERB
fbem-26174	194	19	in	in	ADP
fbem-26174	194	20	the	the	DET
fbem-26174	194	21	field	field	NOUN
fbem-26174	194	22	of	of	ADP
fbem-26174	194	23	fintech	fintech	NOUN
fbem-26174	194	24	and	and	CCONJ
fbem-26174	194	25	their	their	PRON
fbem-26174	194	26	corresponding	corresponding	ADJ
fbem-26174	194	27	consequences	consequence	NOUN
fbem-26174	194	28	,	,	PUNCT
fbem-26174	194	29	so	so	SCONJ
fbem-26174	194	30	as	as	SCONJ
fbem-26174	194	31	to	to	PART
fbem-26174	194	32	warn	warn	VERB
fbem-26174	194	33	fintech	fintech	NOUN
fbem-26174	194	34	participants	participant	NOUN
fbem-26174	194	35	to	to	PART
fbem-26174	194	36	stay	stay	VERB
fbem-26174	194	37	away	away	ADV
fbem-26174	194	38	from	from	ADP
fbem-26174	194	39	illegal	illegal	ADJ
fbem-26174	194	40	behaviours	behaviour	NOUN
fbem-26174	194	41	.	.	PUNCT
fbem-26174	195	1	for	for	ADP
fbem-26174	195	2	example	example	NOUN
fbem-26174	195	3	,	,	PUNCT
fbem-26174	195	4	the	the	DET
fbem-26174	195	5	characteristics	characteristic	NOUN
fbem-26174	195	6	,	,	PUNCT
fbem-26174	195	7	hazards	hazard	NOUN
fbem-26174	195	8	and	and	CCONJ
fbem-26174	195	9	legal	legal	ADJ
fbem-26174	195	10	consequences	consequence	NOUN
fbem-26174	195	11	of	of	ADP
fbem-26174	195	12	illegal	illegal	ADJ
fbem-26174	195	13	activities	activity	NOUN
fbem-26174	195	14	such	such	ADJ
fbem-26174	195	15	as	as	ADP
fbem-26174	195	16	illegal	illegal	ADJ
fbem-26174	195	17	fund	fund	NOUN
fbem-26174	195	18	-	-	PUNCT
fbem-26174	195	19	raising	raising	NOUN
fbem-26174	195	20	,	,	PUNCT
fbem-26174	195	21	cyber	cyber	NOUN
fbem-26174	195	22	fraud	fraud	NOUN
fbem-26174	195	23	and	and	CCONJ
fbem-26174	195	24	data	datum	NOUN
fbem-26174	195	25	leakage	leakage	NOUN
fbem-26174	195	26	can	can	AUX
fbem-26174	195	27	be	be	AUX
fbem-26174	195	28	explained	explain	VERB
fbem-26174	195	29	to	to	ADP
fbem-26174	195	30	consumers	consumer	NOUN
fbem-26174	195	31	by	by	ADP
fbem-26174	195	32	way	way	NOUN
fbem-26174	195	33	of	of	ADP
fbem-26174	195	34	case	case	NOUN
fbem-26174	195	35	studies	study	NOUN
fbem-26174	195	36	to	to	PART
fbem-26174	195	37	help	help	VERB
fbem-26174	195	38	them	they	PRON
fbem-26174	195	39	identify	identify	VERB
fbem-26174	195	40	and	and	CCONJ
fbem-26174	195	41	guard	guard	VERB
fbem-26174	195	42	against	against	ADP
fbem-26174	195	43	potential	potential	ADJ
fbem-26174	195	44	illegal	illegal	ADJ
fbem-26174	195	45	activities	activity	NOUN
fbem-26174	195	46	.	.	PUNCT
fbem-26174	196	1	in	in	ADP
fbem-26174	196	2	addition	addition	NOUN
fbem-26174	196	3	,	,	PUNCT
fbem-26174	196	4	consumers	consumer	NOUN
fbem-26174	196	5	can	can	AUX
fbem-26174	196	6	be	be	AUX
fbem-26174	196	7	encouraged	encourage	VERB
fbem-26174	196	8	to	to	PART
fbem-26174	196	9	actively	actively	ADV
fbem-26174	196	10	report	report	VERB
fbem-26174	196	11	illegal	illegal	ADJ
fbem-26174	196	12	behaviours	behaviour	NOUN
fbem-26174	196	13	and	and	CCONJ
fbem-26174	196	14	safeguard	safeguard	VERB
fbem-26174	196	15	their	their	PRON
fbem-26174	196	16	legitimate	legitimate	ADJ
fbem-26174	196	17	rights	right	NOUN
fbem-26174	196	18	and	and	CCONJ
fbem-26174	196	19	interests	interest	NOUN
fbem-26174	196	20	by	by	ADP
fbem-26174	196	21	setting	set	VERB
fbem-26174	196	22	up	up	ADP
fbem-26174	196	23	reporting	reporting	NOUN
fbem-26174	196	24	hotlines	hotline	NOUN
fbem-26174	196	25	and	and	CCONJ
fbem-26174	196	26	providing	provide	VERB
fbem-26174	196	27	legal	legal	ADJ
fbem-26174	196	28	advice	advice	NOUN
fbem-26174	196	29	.	.	PUNCT
fbem-26174	197	1	4.4.3	4.4.3	X
fbem-26174	197	2	.	.	X
fbem-26174	197	3	enhance	enhance	VERB
fbem-26174	197	4	social	social	ADJ
fbem-26174	197	5	supervision	supervision	NOUN
fbem-26174	197	6	and	and	CCONJ
fbem-26174	197	7	public	public	ADJ
fbem-26174	197	8	participation	participation	NOUN
fbem-26174	197	9	all	all	DET
fbem-26174	197	10	sectors	sector	NOUN
fbem-26174	197	11	of	of	ADP
fbem-26174	197	12	society	society	NOUN
fbem-26174	197	13	and	and	CCONJ
fbem-26174	197	14	the	the	DET
fbem-26174	197	15	public	public	NOUN
fbem-26174	197	16	should	should	AUX
fbem-26174	197	17	actively	actively	ADV
fbem-26174	197	18	participate	participate	VERB
fbem-26174	197	19	in	in	ADP
fbem-26174	197	20	the	the	DET
fbem-26174	197	21	construction	construction	NOUN
fbem-26174	197	22	of	of	ADP
fbem-26174	197	23	the	the	DET
fbem-26174	197	24	rule	rule	NOUN
fbem-26174	197	25	of	of	ADP
fbem-26174	197	26	law	law	NOUN
fbem-26174	197	27	environment	environment	NOUN
fbem-26174	197	28	for	for	ADP
fbem-26174	197	29	fintech	fintech	NOUN
fbem-26174	197	30	.	.	PUNCT
fbem-26174	198	1	for	for	ADP
fbem-26174	198	2	example	example	NOUN
fbem-26174	198	3	,	,	PUNCT
fbem-26174	198	4	it	it	PRON
fbem-26174	198	5	is	be	AUX
fbem-26174	198	6	possible	possible	ADJ
fbem-26174	198	7	to	to	PART
fbem-26174	198	8	expose	expose	VERB
fbem-26174	198	9	and	and	CCONJ
fbem-26174	198	10	expose	expose	VERB
fbem-26174	198	11	illegal	illegal	ADJ
fbem-26174	198	12	behaviours	behaviour	NOUN
fbem-26174	198	13	in	in	ADP
fbem-26174	198	14	the	the	DET
fbem-26174	198	15	field	field	NOUN
fbem-26174	198	16	of	of	ADP
fbem-26174	198	17	fintech	fintech	NOUN
fbem-26174	198	18	through	through	ADP
fbem-26174	198	19	media	medium	NOUN
fbem-26174	198	20	reports	report	NOUN
fbem-26174	198	21	and	and	CCONJ
fbem-26174	198	22	public	public	ADJ
fbem-26174	198	23	supervision	supervision	NOUN
fbem-26174	198	24	,	,	PUNCT
fbem-26174	198	25	so	so	SCONJ
fbem-26174	198	26	as	as	SCONJ
fbem-26174	198	27	to	to	PART
fbem-26174	198	28	enhance	enhance	VERB
fbem-26174	198	29	social	social	ADJ
fbem-26174	198	30	supervision	supervision	NOUN
fbem-26174	198	31	;	;	PUNCT
fbem-26174	198	32	it	it	PRON
fbem-26174	198	33	is	be	AUX
fbem-26174	198	34	possible	possible	ADJ
fbem-26174	198	35	to	to	PART
fbem-26174	198	36	encourage	encourage	VERB
fbem-26174	198	37	the	the	DET
fbem-26174	198	38	public	public	NOUN
fbem-26174	198	39	to	to	PART
fbem-26174	198	40	actively	actively	ADV
fbem-26174	198	41	participate	participate	VERB
fbem-26174	198	42	in	in	ADP
fbem-26174	198	43	the	the	DET
fbem-26174	198	44	formulation	formulation	NOUN
fbem-26174	198	45	of	of	ADP
fbem-26174	198	46	fintech	fintech	NOUN
fbem-26174	198	47	-	-	PUNCT
fbem-26174	198	48	related	relate	VERB
fbem-26174	198	49	legislation	legislation	NOUN
fbem-26174	198	50	and	and	CCONJ
fbem-26174	198	51	policies	policy	NOUN
fbem-26174	198	52	by	by	ADP
fbem-26174	198	53	setting	set	VERB
fbem-26174	198	54	up	up	ADP
fbem-26174	198	55	a	a	DET
fbem-26174	198	56	platform	platform	NOUN
fbem-26174	198	57	for	for	ADP
fbem-26174	198	58	public	public	ADJ
fbem-26174	198	59	participation	participation	NOUN
fbem-26174	198	60	,	,	PUNCT
fbem-26174	198	61	and	and	CCONJ
fbem-26174	198	62	to	to	PART
fbem-26174	198	63	put	put	VERB
fbem-26174	198	64	91	91	NUM
fbem-26174	198	65	forward	forward	ADJ
fbem-26174	198	66	opinions	opinion	NOUN
fbem-26174	198	67	and	and	CCONJ
fbem-26174	198	68	suggestions	suggestion	NOUN
fbem-26174	198	69	to	to	PART
fbem-26174	198	70	promote	promote	VERB
fbem-26174	198	71	the	the	DET
fbem-26174	198	72	improvement	improvement	NOUN
fbem-26174	198	73	and	and	CCONJ
fbem-26174	198	74	implementation	implementation	NOUN
fbem-26174	198	75	of	of	ADP
fbem-26174	198	76	laws	law	NOUN
fbem-26174	198	77	and	and	CCONJ
fbem-26174	198	78	regulations	regulation	NOUN
fbem-26174	198	79	.	.	PUNCT
fbem-26174	199	1	fourth	fourth	ADV
fbem-26174	199	2	,	,	PUNCT
fbem-26174	199	3	promote	promote	VERB
fbem-26174	199	4	the	the	DET
fbem-26174	199	5	construction	construction	NOUN
fbem-26174	199	6	of	of	ADP
fbem-26174	199	7	fintech	fintech	NOUN
fbem-26174	199	8	professionals	professional	NOUN
fbem-26174	199	9	.	.	PUNCT
fbem-26174	200	1	promoting	promote	VERB
fbem-26174	200	2	the	the	DET
fbem-26174	200	3	construction	construction	NOUN
fbem-26174	200	4	of	of	ADP
fbem-26174	200	5	fintech	fintech	NOUN
fbem-26174	200	6	professionals	professional	NOUN
fbem-26174	200	7	is	be	AUX
fbem-26174	200	8	an	an	DET
fbem-26174	200	9	important	important	ADJ
fbem-26174	200	10	measure	measure	NOUN
fbem-26174	200	11	to	to	PART
fbem-26174	200	12	enhance	enhance	VERB
fbem-26174	200	13	the	the	DET
fbem-26174	200	14	overall	overall	ADJ
fbem-26174	200	15	quality	quality	NOUN
fbem-26174	200	16	and	and	CCONJ
fbem-26174	200	17	competitiveness	competitiveness	NOUN
fbem-26174	200	18	of	of	ADP
fbem-26174	200	19	the	the	DET
fbem-26174	200	20	fintech	fintech	NOUN
fbem-26174	200	21	industry	industry	NOUN
fbem-26174	200	22	.	.	PUNCT
fbem-26174	201	1	relevant	relevant	ADJ
fbem-26174	201	2	state	state	NOUN
fbem-26174	201	3	departments	department	NOUN
fbem-26174	201	4	and	and	CCONJ
fbem-26174	201	5	fintech	fintech	NOUN
fbem-26174	201	6	enterprises	enterprise	NOUN
fbem-26174	201	7	should	should	AUX
fbem-26174	201	8	make	make	VERB
fbem-26174	201	9	joint	joint	ADJ
fbem-26174	201	10	efforts	effort	NOUN
fbem-26174	201	11	to	to	PART
fbem-26174	201	12	promote	promote	VERB
fbem-26174	201	13	talent	talent	NOUN
fbem-26174	201	14	education	education	NOUN
fbem-26174	201	15	and	and	CCONJ
fbem-26174	201	16	cultivate	cultivate	VERB
fbem-26174	201	17	and	and	CCONJ
fbem-26174	201	18	attract	attract	VERB
fbem-26174	201	19	more	more	ADJ
fbem-26174	201	20	fintech	fintech	NOUN
fbem-26174	201	21	professionals	professional	NOUN
fbem-26174	201	22	.	.	PUNCT
fbem-26174	202	1	first	first	ADV
fbem-26174	202	2	of	of	ADP
fbem-26174	202	3	all	all	PRON
fbem-26174	202	4	,	,	PUNCT
fbem-26174	202	5	fintech	fintech	NOUN
fbem-26174	202	6	education	education	NOUN
fbem-26174	202	7	and	and	CCONJ
fbem-26174	202	8	training	training	NOUN
fbem-26174	202	9	should	should	AUX
fbem-26174	202	10	be	be	AUX
fbem-26174	202	11	strengthened	strengthen	VERB
fbem-26174	202	12	,	,	PUNCT
fbem-26174	202	13	and	and	CCONJ
fbem-26174	202	14	universities	university	NOUN
fbem-26174	202	15	and	and	CCONJ
fbem-26174	202	16	research	research	NOUN
fbem-26174	202	17	institutions	institution	NOUN
fbem-26174	202	18	should	should	AUX
fbem-26174	202	19	be	be	AUX
fbem-26174	202	20	supported	support	VERB
fbem-26174	202	21	to	to	PART
fbem-26174	202	22	offer	offer	VERB
fbem-26174	202	23	fintech	fintech	NOUN
fbem-26174	202	24	-	-	PUNCT
fbem-26174	202	25	related	relate	VERB
fbem-26174	202	26	professional	professional	ADJ
fbem-26174	202	27	courses	course	NOUN
fbem-26174	202	28	and	and	CCONJ
fbem-26174	202	29	research	research	NOUN
fbem-26174	202	30	projects	project	NOUN
fbem-26174	202	31	.	.	PUNCT
fbem-26174	203	1	for	for	ADP
fbem-26174	203	2	example	example	NOUN
fbem-26174	203	3	,	,	PUNCT
fbem-26174	203	4	talents	talent	NOUN
fbem-26174	203	5	with	with	ADP
fbem-26174	203	6	professional	professional	ADJ
fbem-26174	203	7	knowledge	knowledge	NOUN
fbem-26174	203	8	and	and	CCONJ
fbem-26174	203	9	skills	skill	NOUN
fbem-26174	203	10	in	in	ADP
fbem-26174	203	11	fintech	fintech	NOUN
fbem-26174	203	12	can	can	AUX
fbem-26174	203	13	be	be	AUX
fbem-26174	203	14	cultivated	cultivate	VERB
fbem-26174	203	15	by	by	ADP
fbem-26174	203	16	setting	set	VERB
fbem-26174	203	17	up	up	ADP
fbem-26174	203	18	fintech	fintech	NOUN
fbem-26174	203	19	majors	major	NOUN
fbem-26174	203	20	,	,	PUNCT
fbem-26174	203	21	organising	organise	VERB
fbem-26174	203	22	fintech	fintech	NOUN
fbem-26174	203	23	lectures	lecture	NOUN
fbem-26174	203	24	and	and	CCONJ
fbem-26174	203	25	conducting	conduct	VERB
fbem-26174	203	26	fintech	fintech	NOUN
fbem-26174	203	27	research	research	NOUN
fbem-26174	203	28	;	;	PUNCT
fbem-26174	203	29	academic	academic	ADJ
fbem-26174	203	30	research	research	NOUN
fbem-26174	203	31	and	and	CCONJ
fbem-26174	203	32	talent	talent	NOUN
fbem-26174	203	33	cultivation	cultivation	NOUN
fbem-26174	203	34	in	in	ADP
fbem-26174	203	35	the	the	DET
fbem-26174	203	36	field	field	NOUN
fbem-26174	203	37	of	of	ADP
fbem-26174	203	38	fintech	fintech	NOUN
fbem-26174	203	39	can	can	AUX
fbem-26174	203	40	be	be	AUX
fbem-26174	203	41	supported	support	VERB
fbem-26174	203	42	through	through	ADP
fbem-26174	203	43	the	the	DET
fbem-26174	203	44	establishment	establishment	NOUN
fbem-26174	203	45	of	of	ADP
fbem-26174	203	46	scholarships	scholarship	NOUN
fbem-26174	203	47	and	and	CCONJ
fbem-26174	203	48	research	research	NOUN
fbem-26174	203	49	funds	fund	NOUN
fbem-26174	203	50	.	.	PUNCT
fbem-26174	204	1	secondly	secondly	ADV
fbem-26174	204	2	,	,	PUNCT
fbem-26174	204	3	fintech	fintech	NOUN
fbem-26174	204	4	enterprises	enterprise	NOUN
fbem-26174	204	5	should	should	AUX
fbem-26174	204	6	pay	pay	VERB
fbem-26174	204	7	attention	attention	NOUN
fbem-26174	204	8	to	to	ADP
fbem-26174	204	9	internal	internal	ADJ
fbem-26174	204	10	talent	talent	NOUN
fbem-26174	204	11	cultivation	cultivation	NOUN
fbem-26174	204	12	and	and	CCONJ
fbem-26174	204	13	enhance	enhance	VERB
fbem-26174	204	14	the	the	DET
fbem-26174	204	15	professionalism	professionalism	NOUN
fbem-26174	204	16	and	and	CCONJ
fbem-26174	204	17	ability	ability	NOUN
fbem-26174	204	18	of	of	ADP
fbem-26174	204	19	employees	employee	NOUN
fbem-26174	204	20	through	through	ADP
fbem-26174	204	21	various	various	ADJ
fbem-26174	204	22	ways	way	NOUN
fbem-26174	204	23	.	.	PUNCT
fbem-26174	205	1	for	for	ADP
fbem-26174	205	2	example	example	NOUN
fbem-26174	205	3	,	,	PUNCT
fbem-26174	205	4	they	they	PRON
fbem-26174	205	5	can	can	AUX
fbem-26174	205	6	improve	improve	VERB
fbem-26174	205	7	the	the	DET
fbem-26174	205	8	professional	professional	ADJ
fbem-26174	205	9	knowledge	knowledge	NOUN
fbem-26174	205	10	and	and	CCONJ
fbem-26174	205	11	skills	skill	NOUN
fbem-26174	205	12	of	of	ADP
fbem-26174	205	13	their	their	PRON
fbem-26174	205	14	employees	employee	NOUN
fbem-26174	205	15	by	by	ADP
fbem-26174	205	16	setting	set	VERB
fbem-26174	205	17	up	up	ADP
fbem-26174	205	18	internal	internal	ADJ
fbem-26174	205	19	training	training	NOUN
fbem-26174	205	20	systems	system	NOUN
fbem-26174	205	21	,	,	PUNCT
fbem-26174	205	22	holding	hold	VERB
fbem-26174	205	23	professional	professional	ADJ
fbem-26174	205	24	training	training	NOUN
fbem-26174	205	25	courses	course	NOUN
fbem-26174	205	26	and	and	CCONJ
fbem-26174	205	27	organising	organise	VERB
fbem-26174	205	28	technical	technical	ADJ
fbem-26174	205	29	exchanges	exchange	NOUN
fbem-26174	205	30	;	;	PUNCT
fbem-26174	205	31	they	they	PRON
fbem-26174	205	32	can	can	AUX
fbem-26174	205	33	motivate	motivate	VERB
fbem-26174	205	34	their	their	PRON
fbem-26174	205	35	employees	employee	NOUN
fbem-26174	205	36	to	to	PART
fbem-26174	205	37	keep	keep	VERB
fbem-26174	205	38	learning	learn	VERB
fbem-26174	205	39	and	and	CCONJ
fbem-26174	205	40	making	make	VERB
fbem-26174	205	41	progress	progress	NOUN
fbem-26174	205	42	,	,	PUNCT
fbem-26174	205	43	and	and	CCONJ
fbem-26174	205	44	improve	improve	VERB
fbem-26174	205	45	their	their	PRON
fbem-26174	205	46	professional	professional	ADJ
fbem-26174	205	47	quality	quality	NOUN
fbem-26174	205	48	and	and	CCONJ
fbem-26174	205	49	competitiveness	competitiveness	NOUN
fbem-26174	205	50	by	by	ADP
fbem-26174	205	51	setting	set	VERB
fbem-26174	205	52	up	up	ADP
fbem-26174	205	53	career	career	NOUN
fbem-26174	205	54	development	development	NOUN
fbem-26174	205	55	channels	channel	NOUN
fbem-26174	205	56	and	and	CCONJ
fbem-26174	205	57	providing	provide	VERB
fbem-26174	205	58	promotion	promotion	NOUN
fbem-26174	205	59	opportunities	opportunity	NOUN
fbem-26174	205	60	.	.	PUNCT
fbem-26174	206	1	in	in	ADP
fbem-26174	206	2	addition	addition	NOUN
fbem-26174	206	3	,	,	PUNCT
fbem-26174	206	4	attracting	attract	VERB
fbem-26174	206	5	high	high	ADJ
fbem-26174	206	6	-	-	PUNCT
fbem-26174	206	7	end	end	NOUN
fbem-26174	206	8	and	and	CCONJ
fbem-26174	206	9	international	international	ADJ
fbem-26174	206	10	talents	talent	NOUN
fbem-26174	206	11	.	.	PUNCT
fbem-26174	207	1	in	in	ADP
fbem-26174	207	2	order	order	NOUN
fbem-26174	207	3	to	to	PART
fbem-26174	207	4	enhance	enhance	VERB
fbem-26174	207	5	the	the	DET
fbem-26174	207	6	international	international	ADJ
fbem-26174	207	7	competitiveness	competitiveness	NOUN
fbem-26174	207	8	of	of	ADP
fbem-26174	207	9	the	the	DET
fbem-26174	207	10	fintech	fintech	NOUN
fbem-26174	207	11	industry	industry	NOUN
fbem-26174	207	12	,	,	PUNCT
fbem-26174	207	13	relevant	relevant	ADJ
fbem-26174	207	14	state	state	NOUN
fbem-26174	207	15	departments	department	NOUN
fbem-26174	207	16	and	and	CCONJ
fbem-26174	207	17	fintech	fintech	NOUN
fbem-26174	207	18	enterprises	enterprise	NOUN
fbem-26174	207	19	should	should	AUX
fbem-26174	207	20	actively	actively	ADV
fbem-26174	207	21	attract	attract	VERB
fbem-26174	207	22	high	high	ADJ
fbem-26174	207	23	-	-	PUNCT
fbem-26174	207	24	end	end	NOUN
fbem-26174	207	25	talents	talent	NOUN
fbem-26174	207	26	and	and	CCONJ
fbem-26174	207	27	international	international	ADJ
fbem-26174	207	28	talents	talent	NOUN
fbem-26174	207	29	.	.	PUNCT
fbem-26174	208	1	for	for	ADP
fbem-26174	208	2	example	example	NOUN
fbem-26174	208	3	,	,	PUNCT
fbem-26174	208	4	they	they	PRON
fbem-26174	208	5	can	can	AUX
fbem-26174	208	6	attract	attract	VERB
fbem-26174	208	7	domestic	domestic	ADJ
fbem-26174	208	8	and	and	CCONJ
fbem-26174	208	9	foreign	foreign	ADJ
fbem-26174	208	10	fintech	fintech	NOUN
fbem-26174	208	11	experts	expert	NOUN
fbem-26174	208	12	and	and	CCONJ
fbem-26174	208	13	scholars	scholar	NOUN
fbem-26174	208	14	by	by	ADP
fbem-26174	208	15	setting	set	VERB
fbem-26174	208	16	up	up	ADP
fbem-26174	208	17	talent	talent	NOUN
fbem-26174	208	18	introduction	introduction	NOUN
fbem-26174	208	19	programmes	programme	NOUN
fbem-26174	208	20	and	and	CCONJ
fbem-26174	208	21	providing	provide	VERB
fbem-26174	208	22	generous	generous	ADJ
fbem-26174	208	23	treatment	treatment	NOUN
fbem-26174	208	24	;	;	PUNCT
fbem-26174	208	25	they	they	PRON
fbem-26174	208	26	can	can	AUX
fbem-26174	208	27	promote	promote	VERB
fbem-26174	208	28	exchanges	exchange	NOUN
fbem-26174	208	29	and	and	CCONJ
fbem-26174	208	30	cooperation	cooperation	NOUN
fbem-26174	208	31	between	between	ADP
fbem-26174	208	32	domestic	domestic	ADJ
fbem-26174	208	33	and	and	CCONJ
fbem-26174	208	34	foreign	foreign	ADJ
fbem-26174	208	35	fintech	fintech	NOUN
fbem-26174	208	36	talents	talent	NOUN
fbem-26174	208	37	by	by	ADP
fbem-26174	208	38	holding	hold	VERB
fbem-26174	208	39	international	international	ADJ
fbem-26174	208	40	conferences	conference	NOUN
fbem-26174	208	41	and	and	CCONJ
fbem-26174	208	42	participating	participate	VERB
fbem-26174	208	43	in	in	ADP
fbem-26174	208	44	international	international	ADJ
fbem-26174	208	45	cooperation	cooperation	NOUN
fbem-26174	208	46	,	,	PUNCT
fbem-26174	208	47	so	so	SCONJ
fbem-26174	208	48	as	as	SCONJ
fbem-26174	208	49	to	to	PART
fbem-26174	208	50	enhance	enhance	VERB
fbem-26174	208	51	the	the	DET
fbem-26174	208	52	international	international	ADJ
fbem-26174	208	53	level	level	NOUN
fbem-26174	208	54	of	of	ADP
fbem-26174	208	55	the	the	DET
fbem-26174	208	56	industry	industry	NOUN
fbem-26174	208	57	.	.	PUNCT
fbem-26174	209	1	5	5	X
fbem-26174	209	2	.	.	X
fbem-26174	209	3	conclusion	conclusion	NOUN
fbem-26174	209	4	as	as	ADP
fbem-26174	209	5	a	a	DET
fbem-26174	209	6	product	product	NOUN
fbem-26174	209	7	of	of	ADP
fbem-26174	209	8	the	the	DET
fbem-26174	209	9	deep	deep	ADJ
fbem-26174	209	10	integration	integration	NOUN
fbem-26174	209	11	of	of	ADP
fbem-26174	209	12	finance	finance	NOUN
fbem-26174	209	13	and	and	CCONJ
fbem-26174	209	14	science	science	NOUN
fbem-26174	209	15	and	and	CCONJ
fbem-26174	209	16	technology	technology	NOUN
fbem-26174	209	17	,	,	PUNCT
fbem-26174	209	18	fintech	fintech	NOUN
fbem-26174	209	19	is	be	AUX
fbem-26174	209	20	facing	face	VERB
fbem-26174	209	21	multi	multi	ADJ
fbem-26174	209	22	-	-	ADJ
fbem-26174	209	23	dimensional	dimensional	ADJ
fbem-26174	209	24	risk	risk	NOUN
fbem-26174	209	25	challenges	challenge	NOUN
fbem-26174	209	26	,	,	PUNCT
fbem-26174	209	27	especially	especially	ADV
fbem-26174	209	28	ethical	ethical	ADJ
fbem-26174	209	29	and	and	CCONJ
fbem-26174	209	30	legal	legal	ADJ
fbem-26174	209	31	risks	risk	NOUN
fbem-26174	209	32	,	,	PUNCT
fbem-26174	209	33	while	while	SCONJ
fbem-26174	209	34	promoting	promote	VERB
fbem-26174	209	35	the	the	DET
fbem-26174	209	36	improvement	improvement	NOUN
fbem-26174	209	37	of	of	ADP
fbem-26174	209	38	financial	financial	ADJ
fbem-26174	209	39	service	service	NOUN
fbem-26174	209	40	efficiency	efficiency	NOUN
fbem-26174	209	41	and	and	CCONJ
fbem-26174	209	42	quality	quality	NOUN
fbem-26174	209	43	.	.	PUNCT
fbem-26174	210	1	through	through	ADP
fbem-26174	210	2	an	an	DET
fbem-26174	210	3	in	in	ADP
fbem-26174	210	4	-	-	PUNCT
fbem-26174	210	5	depth	depth	NOUN
fbem-26174	210	6	analysis	analysis	NOUN
fbem-26174	210	7	of	of	ADP
fbem-26174	210	8	the	the	DET
fbem-26174	210	9	historical	historical	ADJ
fbem-26174	210	10	evolution	evolution	NOUN
fbem-26174	210	11	of	of	ADP
fbem-26174	210	12	fintech	fintech	NOUN
fbem-26174	210	13	,	,	PUNCT
fbem-26174	210	14	its	its	PRON
fbem-26174	210	15	basic	basic	ADJ
fbem-26174	210	16	characteristics	characteristic	NOUN
fbem-26174	210	17	and	and	CCONJ
fbem-26174	210	18	the	the	DET
fbem-26174	210	19	specific	specific	ADJ
fbem-26174	210	20	manifestations	manifestation	NOUN
fbem-26174	210	21	of	of	ADP
fbem-26174	210	22	its	its	PRON
fbem-26174	210	23	ethical	ethical	ADJ
fbem-26174	210	24	and	and	CCONJ
fbem-26174	210	25	legal	legal	ADJ
fbem-26174	210	26	risks	risk	NOUN
fbem-26174	210	27	,	,	PUNCT
fbem-26174	210	28	we	we	PRON
fbem-26174	210	29	can	can	AUX
fbem-26174	210	30	clearly	clearly	ADV
fbem-26174	210	31	recognise	recognise	VERB
fbem-26174	210	32	the	the	DET
fbem-26174	210	33	importance	importance	NOUN
fbem-26174	210	34	and	and	CCONJ
fbem-26174	210	35	urgency	urgency	NOUN
fbem-26174	210	36	of	of	ADP
fbem-26174	210	37	establishing	establish	VERB
fbem-26174	210	38	a	a	DET
fbem-26174	210	39	sound	sound	ADJ
fbem-26174	210	40	fintech	fintech	NOUN
fbem-26174	210	41	regulatory	regulatory	ADJ
fbem-26174	210	42	system	system	NOUN
fbem-26174	210	43	.	.	PUNCT
fbem-26174	211	1	in	in	ADP
fbem-26174	211	2	terms	term	NOUN
fbem-26174	211	3	of	of	ADP
fbem-26174	211	4	ethical	ethical	ADJ
fbem-26174	211	5	risks	risk	NOUN
fbem-26174	211	6	,	,	PUNCT
fbem-26174	211	7	the	the	DET
fbem-26174	211	8	frequent	frequent	ADJ
fbem-26174	211	9	occurrence	occurrence	NOUN
fbem-26174	211	10	of	of	ADP
fbem-26174	211	11	data	datum	NOUN
fbem-26174	211	12	leakage	leakage	NOUN
fbem-26174	211	13	,	,	PUNCT
fbem-26174	211	14	algorithmic	algorithmic	ADJ
fbem-26174	211	15	discrimination	discrimination	NOUN
fbem-26174	211	16	and	and	CCONJ
fbem-26174	211	17	other	other	ADJ
fbem-26174	211	18	problems	problem	NOUN
fbem-26174	211	19	have	have	AUX
fbem-26174	211	20	seriously	seriously	ADV
fbem-26174	211	21	damaged	damage	VERB
fbem-26174	211	22	the	the	DET
fbem-26174	211	23	rights	right	NOUN
fbem-26174	211	24	and	and	CCONJ
fbem-26174	211	25	interests	interest	NOUN
fbem-26174	211	26	of	of	ADP
fbem-26174	211	27	fintech	fintech	NOUN
fbem-26174	211	28	consumers	consumer	NOUN
fbem-26174	211	29	and	and	CCONJ
fbem-26174	211	30	restricted	restrict	VERB
fbem-26174	211	31	the	the	DET
fbem-26174	211	32	healthy	healthy	ADJ
fbem-26174	211	33	development	development	NOUN
fbem-26174	211	34	of	of	ADP
fbem-26174	211	35	the	the	DET
fbem-26174	211	36	industry	industry	NOUN
fbem-26174	211	37	.	.	PUNCT
fbem-26174	212	1	therefore	therefore	ADV
fbem-26174	212	2	,	,	PUNCT
fbem-26174	212	3	it	it	PRON
fbem-26174	212	4	is	be	AUX
fbem-26174	212	5	necessary	necessary	ADJ
fbem-26174	212	6	to	to	PART
fbem-26174	212	7	start	start	VERB
fbem-26174	212	8	from	from	ADP
fbem-26174	212	9	the	the	DET
fbem-26174	212	10	formulation	formulation	NOUN
fbem-26174	212	11	of	of	ADP
fbem-26174	212	12	ethical	ethical	ADJ
fbem-26174	212	13	guidelines	guideline	NOUN
fbem-26174	212	14	,	,	PUNCT
fbem-26174	212	15	strengthening	strengthen	VERB
fbem-26174	212	16	information	information	NOUN
fbem-26174	212	17	disclosure	disclosure	NOUN
fbem-26174	212	18	,	,	PUNCT
fbem-26174	212	19	and	and	CCONJ
fbem-26174	212	20	enhancing	enhance	VERB
fbem-26174	212	21	consumers	consumer	NOUN
fbem-26174	212	22	'	'	PART
fbem-26174	212	23	awareness	awareness	NOUN
fbem-26174	212	24	of	of	ADP
fbem-26174	212	25	data	datum	NOUN
fbem-26174	212	26	ethics	ethic	NOUN
fbem-26174	212	27	,	,	PUNCT
fbem-26174	212	28	so	so	SCONJ
fbem-26174	212	29	as	as	SCONJ
fbem-26174	212	30	to	to	PART
fbem-26174	212	31	form	form	VERB
fbem-26174	212	32	an	an	DET
fbem-26174	212	33	ethical	ethical	ADJ
fbem-26174	212	34	risk	risk	NOUN
fbem-26174	212	35	prevention	prevention	NOUN
fbem-26174	212	36	mechanism	mechanism	NOUN
fbem-26174	212	37	with	with	ADP
fbem-26174	212	38	the	the	DET
fbem-26174	212	39	participation	participation	NOUN
fbem-26174	212	40	of	of	ADP
fbem-26174	212	41	the	the	DET
fbem-26174	212	42	whole	whole	ADJ
fbem-26174	212	43	society	society	NOUN
fbem-26174	212	44	.	.	PUNCT
fbem-26174	213	1	as	as	ADP
fbem-26174	213	2	for	for	ADP
fbem-26174	213	3	legal	legal	ADJ
fbem-26174	213	4	risks	risk	NOUN
fbem-26174	213	5	,	,	PUNCT
fbem-26174	213	6	lagging	lag	VERB
fbem-26174	213	7	legislation	legislation	NOUN
fbem-26174	213	8	,	,	PUNCT
fbem-26174	213	9	fragmentation	fragmentation	NOUN
fbem-26174	213	10	of	of	ADP
fbem-26174	213	11	law	law	NOUN
fbem-26174	213	12	enforcement	enforcement	NOUN
fbem-26174	213	13	,	,	PUNCT
fbem-26174	213	14	lack	lack	NOUN
fbem-26174	213	15	of	of	ADP
fbem-26174	213	16	judicial	judicial	ADJ
fbem-26174	213	17	professionalism	professionalism	NOUN
fbem-26174	213	18	,	,	PUNCT
fbem-26174	213	19	and	and	CCONJ
fbem-26174	213	20	differences	difference	NOUN
fbem-26174	213	21	in	in	ADP
fbem-26174	213	22	law	law	NOUN
fbem-26174	213	23	-	-	PUNCT
fbem-26174	213	24	abiding	abide	VERB
fbem-26174	213	25	costs	cost	NOUN
fbem-26174	213	26	all	all	PRON
fbem-26174	213	27	constitute	constitute	VERB
fbem-26174	213	28	legal	legal	ADJ
fbem-26174	213	29	obstacles	obstacle	NOUN
fbem-26174	213	30	to	to	ADP
fbem-26174	213	31	the	the	DET
fbem-26174	213	32	development	development	NOUN
fbem-26174	213	33	of	of	ADP
fbem-26174	213	34	fintech	fintech	NOUN
fbem-26174	213	35	.	.	PUNCT
fbem-26174	214	1	to	to	ADP
fbem-26174	214	2	this	this	DET
fbem-26174	214	3	end	end	NOUN
fbem-26174	214	4	,	,	PUNCT
fbem-26174	214	5	it	it	PRON
fbem-26174	214	6	is	be	AUX
fbem-26174	214	7	necessary	necessary	ADJ
fbem-26174	214	8	to	to	PART
fbem-26174	214	9	improve	improve	VERB
fbem-26174	214	10	the	the	DET
fbem-26174	214	11	top	top	ADJ
fbem-26174	214	12	-	-	PUNCT
fbem-26174	214	13	level	level	NOUN
fbem-26174	214	14	design	design	NOUN
fbem-26174	214	15	,	,	PUNCT
fbem-26174	214	16	establish	establish	VERB
fbem-26174	214	17	a	a	DET
fbem-26174	214	18	sound	sound	ADJ
fbem-26174	214	19	system	system	NOUN
fbem-26174	214	20	of	of	ADP
fbem-26174	214	21	laws	law	NOUN
fbem-26174	214	22	and	and	CCONJ
fbem-26174	214	23	regulations	regulation	NOUN
fbem-26174	214	24	,	,	PUNCT
fbem-26174	214	25	transform	transform	VERB
fbem-26174	214	26	the	the	DET
fbem-26174	214	27	regulatory	regulatory	ADJ
fbem-26174	214	28	approach	approach	NOUN
fbem-26174	214	29	,	,	PUNCT
fbem-26174	214	30	achieve	achieve	VERB
fbem-26174	214	31	coordination	coordination	NOUN
fbem-26174	214	32	and	and	CCONJ
fbem-26174	214	33	unity	unity	NOUN
fbem-26174	214	34	of	of	ADP
fbem-26174	214	35	regulatory	regulatory	ADJ
fbem-26174	214	36	policies	policy	NOUN
fbem-26174	214	37	,	,	PUNCT
fbem-26174	214	38	and	and	CCONJ
fbem-26174	214	39	enhance	enhance	VERB
fbem-26174	214	40	judicial	judicial	ADJ
fbem-26174	214	41	capacity	capacity	NOUN
fbem-26174	214	42	and	and	CCONJ
fbem-26174	214	43	improve	improve	VERB
fbem-26174	214	44	the	the	DET
fbem-26174	214	45	judicial	judicial	ADJ
fbem-26174	214	46	remedy	remedy	NOUN
fbem-26174	214	47	system	system	NOUN
fbem-26174	214	48	.	.	PUNCT
fbem-26174	215	1	at	at	ADP
fbem-26174	215	2	the	the	DET
fbem-26174	215	3	same	same	ADJ
fbem-26174	215	4	time	time	NOUN
fbem-26174	215	5	,	,	PUNCT
fbem-26174	215	6	it	it	PRON
fbem-26174	215	7	is	be	AUX
fbem-26174	215	8	necessary	necessary	ADJ
fbem-26174	215	9	to	to	PART
fbem-26174	215	10	strengthen	strengthen	VERB
fbem-26174	215	11	the	the	DET
fbem-26174	215	12	publicity	publicity	NOUN
fbem-26174	215	13	and	and	CCONJ
fbem-26174	215	14	education	education	NOUN
fbem-26174	215	15	of	of	ADP
fbem-26174	215	16	the	the	DET
fbem-26174	215	17	law	law	NOUN
fbem-26174	215	18	,	,	PUNCT
fbem-26174	215	19	cultivate	cultivate	VERB
fbem-26174	215	20	a	a	DET
fbem-26174	215	21	good	good	ADJ
fbem-26174	215	22	law	law	NOUN
fbem-26174	215	23	-	-	PUNCT
fbem-26174	215	24	abiding	abide	VERB
fbem-26174	215	25	environment	environment	NOUN
fbem-26174	215	26	,	,	PUNCT
fbem-26174	215	27	and	and	CCONJ
fbem-26174	215	28	provide	provide	VERB
fbem-26174	215	29	a	a	DET
fbem-26174	215	30	solid	solid	ADJ
fbem-26174	215	31	guarantee	guarantee	NOUN
fbem-26174	215	32	of	of	ADP
fbem-26174	215	33	the	the	DET
fbem-26174	215	34	rule	rule	NOUN
fbem-26174	215	35	of	of	ADP
fbem-26174	215	36	law	law	NOUN
fbem-26174	215	37	for	for	ADP
fbem-26174	215	38	the	the	DET
fbem-26174	215	39	healthy	healthy	ADJ
fbem-26174	215	40	development	development	NOUN
fbem-26174	215	41	of	of	ADP
fbem-26174	215	42	fintech	fintech	NOUN
fbem-26174	215	43	.	.	PUNCT
fbem-26174	216	1	in	in	ADP
fbem-26174	216	2	conclusion	conclusion	NOUN
fbem-26174	216	3	,	,	PUNCT
fbem-26174	216	4	in	in	ADP
fbem-26174	216	5	the	the	DET
fbem-26174	216	6	face	face	NOUN
fbem-26174	216	7	of	of	ADP
fbem-26174	216	8	the	the	DET
fbem-26174	216	9	risk	risk	NOUN
fbem-26174	216	10	challenges	challenge	NOUN
fbem-26174	216	11	of	of	ADP
fbem-26174	216	12	fintech	fintech	NOUN
fbem-26174	216	13	data	data	NOUN
fbem-26174	216	14	application	application	NOUN
fbem-26174	216	15	regulation	regulation	NOUN
fbem-26174	216	16	,	,	PUNCT
fbem-26174	216	17	it	it	PRON
fbem-26174	216	18	is	be	AUX
fbem-26174	216	19	desirable	desirable	ADJ
fbem-26174	216	20	to	to	PART
fbem-26174	216	21	build	build	VERB
fbem-26174	216	22	a	a	DET
fbem-26174	216	23	comprehensive	comprehensive	ADJ
fbem-26174	216	24	,	,	PUNCT
fbem-26174	216	25	systematic	systematic	ADJ
fbem-26174	216	26	and	and	CCONJ
fbem-26174	216	27	effective	effective	ADJ
fbem-26174	216	28	risk	risk	NOUN
fbem-26174	216	29	prevention	prevention	NOUN
fbem-26174	216	30	and	and	CCONJ
fbem-26174	216	31	mitigation	mitigation	NOUN
fbem-26174	216	32	mechanism	mechanism	NOUN
fbem-26174	216	33	from	from	ADP
fbem-26174	216	34	the	the	DET
fbem-26174	216	35	ethical	ethical	ADJ
fbem-26174	216	36	and	and	CCONJ
fbem-26174	216	37	legal	legal	ADJ
fbem-26174	216	38	dimensions	dimension	NOUN
fbem-26174	216	39	,	,	PUNCT
fbem-26174	216	40	so	so	SCONJ
fbem-26174	216	41	as	as	SCONJ
fbem-26174	216	42	to	to	PART
fbem-26174	216	43	ensure	ensure	VERB
fbem-26174	216	44	that	that	SCONJ
fbem-26174	216	45	fintech	fintech	NOUN
fbem-26174	216	46	moves	move	VERB
fbem-26174	216	47	forward	forward	ADV
fbem-26174	216	48	steadily	steadily	ADV
fbem-26174	216	49	in	in	ADP
fbem-26174	216	50	innovation	innovation	NOUN
fbem-26174	216	51	and	and	CCONJ
fbem-26174	216	52	regulation	regulation	NOUN
fbem-26174	216	53	,	,	PUNCT
fbem-26174	216	54	and	and	CCONJ
fbem-26174	216	55	helps	help	VERB
fbem-26174	216	56	the	the	DET
fbem-26174	216	57	real	real	ADJ
fbem-26174	216	58	economy	economy	NOUN
fbem-26174	216	59	to	to	PART
fbem-26174	216	60	develop	develop	VERB
fbem-26174	216	61	in	in	ADP
fbem-26174	216	62	a	a	DET
fbem-26174	216	63	high	high	ADJ
fbem-26174	216	64	quality	quality	NOUN
fbem-26174	216	65	manner	manner	NOUN
fbem-26174	216	66	.	.	PUNCT
fbem-26174	217	1	references	reference	NOUN
fbem-26174	217	2	[	[	X
fbem-26174	217	3	1	1	NUM
fbem-26174	217	4	]	]	X
fbem-26174	217	5	lagarde	lagarde	PROPN
fbem-26174	217	6	,	,	PUNCT
fbem-26174	217	7	christine	christine	PROPN
fbem-26174	217	8	.	.	PUNCT
fbem-26174	218	1	"	"	PUNCT
fbem-26174	218	2	a	a	DET
fbem-26174	218	3	regulatory	regulatory	ADJ
fbem-26174	218	4	approach	approach	NOUN
fbem-26174	218	5	to	to	ADP
fbem-26174	218	6	fintech	fintech	NOUN
fbem-26174	218	7	.	.	PUNCT
fbem-26174	218	8	"	"	PUNCT
fbem-26174	219	1	finance	finance	PROPN
fbem-26174	219	2	&	&	CCONJ
fbem-26174	219	3	development	development	PROPN
fbem-26174	219	4	55.2	55.2	NUM
fbem-26174	219	5	(	(	PUNCT
fbem-26174	219	6	2018	2018	NUM
fbem-26174	219	7	):	):	PUNCT
fbem-26174	219	8	9	9	NUM
fbem-26174	219	9	-	-	SYM
fbem-26174	219	10	10	10	NUM
fbem-26174	219	11	.	.	PUNCT
fbem-26174	220	1	[	[	X
fbem-26174	220	2	2	2	NUM
fbem-26174	220	3	]	]	X
fbem-26174	220	4	setiawan	setiawan	PROPN
fbem-26174	220	5	,	,	PUNCT
fbem-26174	220	6	kukuh	kukuh	PROPN
fbem-26174	220	7	,	,	PUNCT
fbem-26174	220	8	and	and	CCONJ
fbem-26174	220	9	nadia	nadia	PROPN
fbem-26174	220	10	maulisa	maulisa	PROPN
fbem-26174	220	11	.	.	PUNCT
fbem-26174	221	1	"	"	PUNCT
fbem-26174	221	2	the	the	DET
fbem-26174	221	3	evolution	evolution	NOUN
fbem-26174	221	4	of	of	ADP
fbem-26174	221	5	fintech	fintech	NOUN
fbem-26174	221	6	:	:	PUNCT
fbem-26174	221	7	a	a	DET
fbem-26174	221	8	regulatory	regulatory	ADJ
fbem-26174	221	9	approach	approach	NOUN
fbem-26174	221	10	perspective	perspective	NOUN
fbem-26174	221	11	.	.	PUNCT
fbem-26174	221	12	"	"	PUNCT
fbem-26174	222	1	3rd	3rd	ADJ
fbem-26174	222	2	international	international	ADJ
fbem-26174	222	3	conference	conference	NOUN
fbem-26174	222	4	on	on	ADP
fbem-26174	222	5	law	law	NOUN
fbem-26174	222	6	and	and	CCONJ
fbem-26174	222	7	governance	governance	NOUN
fbem-26174	222	8	(	(	PUNCT
fbem-26174	222	9	iclave	iclave	NOUN
fbem-26174	222	10	2019	2019	NUM
fbem-26174	222	11	)	)	PUNCT
fbem-26174	222	12	.	.	PUNCT
fbem-26174	223	1	atlantis	atlantis	PROPN
fbem-26174	223	2	press	press	PROPN
fbem-26174	223	3	,	,	PUNCT
fbem-26174	223	4	2020	2020	NUM
fbem-26174	223	5	.	.	PUNCT
fbem-26174	224	1	[	[	X
fbem-26174	224	2	3	3	NUM
fbem-26174	224	3	]	]	SYM
fbem-26174	224	4	ng	ng	PROPN
fbem-26174	224	5	,	,	PUNCT
fbem-26174	224	6	artie	artie	PROPN
fbem-26174	224	7	w.	w.	PROPN
fbem-26174	224	8	,	,	PUNCT
fbem-26174	224	9	and	and	CCONJ
fbem-26174	224	10	benny	benny	PROPN
fbem-26174	224	11	kb	kb	PROPN
fbem-26174	224	12	kwok	kwok	PROPN
fbem-26174	224	13	.	.	PUNCT
fbem-26174	225	1	"	"	PUNCT
fbem-26174	225	2	emergence	emergence	NOUN
fbem-26174	225	3	of	of	ADP
fbem-26174	225	4	fintech	fintech	NOUN
fbem-26174	225	5	and	and	CCONJ
fbem-26174	225	6	cybersecurity	cybersecurity	NOUN
fbem-26174	225	7	in	in	ADP
fbem-26174	225	8	a	a	DET
fbem-26174	225	9	global	global	ADJ
fbem-26174	225	10	financial	financial	ADJ
fbem-26174	225	11	centre	centre	NOUN
fbem-26174	225	12	:	:	PUNCT
fbem-26174	225	13	strategic	strategic	ADJ
fbem-26174	225	14	approach	approach	NOUN
fbem-26174	225	15	by	by	ADP
fbem-26174	225	16	a	a	DET
fbem-26174	225	17	regulator	regulator	NOUN
fbem-26174	225	18	.	.	PUNCT
fbem-26174	225	19	"	"	PUNCT
fbem-26174	226	1	journal	journal	NOUN
fbem-26174	226	2	of	of	ADP
fbem-26174	226	3	financial	financial	ADJ
fbem-26174	226	4	regulation	regulation	NOUN
fbem-26174	226	5	and	and	CCONJ
fbem-26174	226	6	compliance	compliance	NOUN
fbem-26174	226	7	25.4	25.4	NUM
fbem-26174	226	8	(	(	PUNCT
fbem-26174	226	9	2017	2017	NUM
fbem-26174	226	10	):	):	PUNCT
fbem-26174	226	11	422	422	NUM
fbem-26174	226	12	-	-	SYM
fbem-26174	226	13	434	434	NUM
fbem-26174	226	14	.	.	PUNCT
fbem-26174	227	1	[	[	X
fbem-26174	227	2	4	4	NUM
fbem-26174	227	3	]	]	X
fbem-26174	227	4	allen	allen	PROPN
fbem-26174	227	5	,	,	PUNCT
fbem-26174	227	6	hilary	hilary	NOUN
fbem-26174	227	7	j.	j.	PROPN
fbem-26174	227	8	"	"	PUNCT
fbem-26174	227	9	regulating	regulate	VERB
fbem-26174	227	10	fintech	fintech	NOUN
fbem-26174	227	11	:	:	PUNCT
fbem-26174	227	12	a	a	DET
fbem-26174	227	13	harm	harm	NOUN
fbem-26174	227	14	focused	focus	VERB
fbem-26174	227	15	approach	approach	NOUN
fbem-26174	227	16	.	.	PUNCT
fbem-26174	227	17	"	"	PUNCT
fbem-26174	228	1	computer	computer	NOUN
fbem-26174	228	2	law	law	PROPN
fbem-26174	228	3	&	&	CCONJ
fbem-26174	228	4	security	security	PROPN
fbem-26174	228	5	review	review	NOUN
fbem-26174	228	6	52	52	NUM
fbem-26174	228	7	(	(	PUNCT
fbem-26174	228	8	2024	2024	NUM
fbem-26174	228	9	):	):	PUNCT
fbem-26174	228	10	105910	105910	NUM
fbem-26174	228	11	.	.	PUNCT
fbem-26174	229	1	[	[	X
fbem-26174	229	2	5	5	NUM
fbem-26174	229	3	]	]	PUNCT
fbem-26174	229	4	bromberg	bromberg	PROPN
fbem-26174	229	5	,	,	PUNCT
fbem-26174	229	6	lev	lev	PROPN
fbem-26174	229	7	,	,	PUNCT
fbem-26174	229	8	andrew	andrew	PROPN
fbem-26174	229	9	godwin	godwin	PROPN
fbem-26174	229	10	,	,	PUNCT
fbem-26174	229	11	and	and	CCONJ
fbem-26174	229	12	ian	ian	PROPN
fbem-26174	229	13	ramsay	ramsay	PROPN
fbem-26174	229	14	.	.	PUNCT
fbem-26174	230	1	"	"	PUNCT
fbem-26174	230	2	fintech	fintech	NOUN
fbem-26174	230	3	sandboxes	sandbox	NOUN
fbem-26174	230	4	:	:	PUNCT
fbem-26174	230	5	achieving	achieve	VERB
fbem-26174	230	6	a	a	DET
fbem-26174	230	7	balance	balance	NOUN
fbem-26174	230	8	between	between	ADP
fbem-26174	230	9	regulation	regulation	NOUN
fbem-26174	230	10	and	and	CCONJ
fbem-26174	230	11	innovation	innovation	NOUN
fbem-26174	230	12	.	.	PUNCT
fbem-26174	230	13	"	"	PUNCT
fbem-26174	231	1	journal	journal	NOUN
fbem-26174	231	2	of	of	ADP
fbem-26174	231	3	banking	banking	NOUN
fbem-26174	231	4	and	and	CCONJ
fbem-26174	231	5	finance	finance	NOUN
fbem-26174	231	6	law	law	NOUN
fbem-26174	231	7	and	and	CCONJ
fbem-26174	231	8	practice	practice	VERB
fbem-26174	231	9	28.4	28.4	NUM
fbem-26174	231	10	(	(	PUNCT
fbem-26174	231	11	2017	2017	NUM
fbem-26174	231	12	):	):	PUNCT
fbem-26174	231	13	314	314	NUM
fbem-26174	231	14	-	-	SYM
fbem-26174	231	15	336	336	NUM
fbem-26174	231	16	.	.	PUNCT
fbem-26174	232	1	[	[	X
fbem-26174	232	2	6	6	NUM
fbem-26174	232	3	]	]	PUNCT
fbem-26174	232	4	adeoye	adeoye	PROPN
fbem-26174	232	5	,	,	PUNCT
fbem-26174	232	6	omotoya	omotoya	PROPN
fbem-26174	232	7	bukola	bukola	PROPN
fbem-26174	232	8	,	,	PUNCT
fbem-26174	232	9	et	et	PROPN
fbem-26174	232	10	al	al	PROPN
fbem-26174	232	11	.	.	PUNCT
fbem-26174	233	1	"	"	PUNCT
fbem-26174	233	2	fintech	fintech	NOUN
fbem-26174	233	3	,	,	PUNCT
fbem-26174	233	4	taxation	taxation	NOUN
fbem-26174	233	5	,	,	PUNCT
fbem-26174	233	6	and	and	CCONJ
fbem-26174	233	7	regulatory	regulatory	ADJ
fbem-26174	233	8	compliance	compliance	NOUN
fbem-26174	233	9	:	:	PUNCT
fbem-26174	233	10	navigating	navigate	VERB
fbem-26174	233	11	the	the	DET
fbem-26174	233	12	new	new	ADJ
fbem-26174	233	13	financial	financial	ADJ
fbem-26174	233	14	landscape	landscape	NOUN
fbem-26174	233	15	.	.	PUNCT
fbem-26174	233	16	"	"	PUNCT
fbem-26174	234	1	finance	finance	NOUN
fbem-26174	234	2	&	&	CCONJ
fbem-26174	234	3	accounting	accounting	PROPN
fbem-26174	234	4	research	research	PROPN
fbem-26174	234	5	journal	journal	PROPN
fbem-26174	234	6	6.3	6.3	NUM
fbem-26174	234	7	(	(	PUNCT
fbem-26174	234	8	2024	2024	NUM
fbem-26174	234	9	):	):	PUNCT
fbem-26174	234	10	320	320	NUM
fbem-26174	234	11	-	-	SYM
fbem-26174	234	12	330	330	NUM
fbem-26174	234	13	.	.	PUNCT
fbem-26174	235	1	[	[	X
fbem-26174	235	2	7	7	X
fbem-26174	235	3	]	]	X
fbem-26174	235	4	guild	guild	NOUN
fbem-26174	235	5	,	,	PUNCT
fbem-26174	235	6	james	james	PROPN
fbem-26174	235	7	.	.	PUNCT
fbem-26174	236	1	"	"	PUNCT
fbem-26174	236	2	fintech	fintech	NOUN
fbem-26174	236	3	and	and	CCONJ
fbem-26174	236	4	the	the	DET
fbem-26174	236	5	future	future	NOUN
fbem-26174	236	6	of	of	ADP
fbem-26174	236	7	finance	finance	NOUN
fbem-26174	236	8	.	.	PUNCT
fbem-26174	236	9	"	"	PUNCT
fbem-26174	237	1	asian	asian	ADJ
fbem-26174	237	2	journal	journal	NOUN
fbem-26174	237	3	of	of	ADP
fbem-26174	237	4	public	public	ADJ
fbem-26174	237	5	affairs	affair	NOUN
fbem-26174	237	6	(	(	PUNCT
fbem-26174	237	7	2017	2017	NUM
fbem-26174	237	8	):	):	PUNCT
fbem-26174	237	9	17	17	NUM
fbem-26174	237	10	-	-	SYM
fbem-26174	237	11	20	20	NUM
fbem-26174	237	12	.	.	PUNCT
fbem-26174	238	1	[	[	X
fbem-26174	238	2	8	8	NUM
fbem-26174	238	3	]	]	X
fbem-26174	238	4	restoy	restoy	NOUN
fbem-26174	238	5	,	,	PUNCT
fbem-26174	238	6	fernando	fernando	PROPN
fbem-26174	238	7	.	.	PUNCT
fbem-26174	239	1	"	"	PUNCT
fbem-26174	239	2	regulating	regulate	VERB
fbem-26174	239	3	fintech	fintech	NOUN
fbem-26174	239	4	:	:	PUNCT
fbem-26174	239	5	what	what	PRON
fbem-26174	239	6	is	be	AUX
fbem-26174	239	7	going	go	VERB
fbem-26174	239	8	on	on	ADP
fbem-26174	239	9	,	,	PUNCT
fbem-26174	239	10	and	and	CCONJ
fbem-26174	239	11	where	where	SCONJ
fbem-26174	239	12	are	be	AUX
fbem-26174	239	13	the	the	DET
fbem-26174	239	14	challenges	challenge	NOUN
fbem-26174	239	15	.	.	PUNCT
fbem-26174	239	16	"	"	PUNCT
fbem-26174	240	1	bank	bank	PROPN
fbem-26174	240	2	for	for	ADP
fbem-26174	240	3	international	international	ADJ
fbem-26174	240	4	settlements	settlement	NOUN
fbem-26174	240	5	(	(	PUNCT
fbem-26174	240	6	2019	2019	NUM
fbem-26174	240	7	):	):	PUNCT
fbem-26174	240	8	1	1	NUM
fbem-26174	240	9	-	-	SYM
fbem-26174	240	10	7	7	NUM
fbem-26174	240	11	.	.	PUNCT
fbem-26174	241	1	[	[	X
fbem-26174	241	2	9	9	NUM
fbem-26174	241	3	]	]	X
fbem-26174	241	4	yadav	yadav	PROPN
fbem-26174	241	5	,	,	PUNCT
fbem-26174	241	6	yesha	yesha	PROPN
fbem-26174	241	7	.	.	PUNCT
fbem-26174	242	1	"	"	PUNCT
fbem-26174	242	2	fintech	fintech	NOUN
fbem-26174	242	3	and	and	CCONJ
fbem-26174	242	4	international	international	ADJ
fbem-26174	242	5	financial	financial	ADJ
fbem-26174	242	6	regulation	regulation	NOUN
fbem-26174	242	7	.	.	PUNCT
fbem-26174	242	8	"	"	PUNCT
fbem-26174	243	1	vand	vand	PROPN
fbem-26174	243	2	.	.	PUNCT
fbem-26174	244	1	j.	j.	PROPN
fbem-26174	244	2	transnat'l	transnat'l	PROPN
fbem-26174	244	3	l.	l.	PROPN
fbem-26174	244	4	53	53	NUM
fbem-26174	244	5	(	(	PUNCT
fbem-26174	244	6	2020	2020	NUM
fbem-26174	244	7	):	):	PUNCT
fbem-26174	244	8	1109	1109	NUM
fbem-26174	244	9	.	.	PUNCT
fbem-26174	245	1	[	[	X
fbem-26174	245	2	10	10	NUM
fbem-26174	245	3	]	]	X
fbem-26174	245	4	omarova	omarova	PROPN
fbem-26174	245	5	,	,	PUNCT
fbem-26174	245	6	saule	saule	PROPN
fbem-26174	245	7	t.	t.	NOUN
fbem-26174	245	8	"	"	PUNCT
fbem-26174	245	9	technology	technology	NOUN
fbem-26174	245	10	v	v	NOUN
fbem-26174	245	11	technocracy	technocracy	NOUN
fbem-26174	245	12	:	:	PUNCT
fbem-26174	245	13	fintech	fintech	NOUN
fbem-26174	245	14	as	as	ADP
fbem-26174	245	15	a	a	DET
fbem-26174	245	16	regulatory	regulatory	ADJ
fbem-26174	245	17	challenge	challenge	NOUN
fbem-26174	245	18	.	.	PUNCT
fbem-26174	245	19	"	"	PUNCT
fbem-26174	246	1	journal	journal	NOUN
fbem-26174	246	2	of	of	ADP
fbem-26174	246	3	financial	financial	ADJ
fbem-26174	246	4	regulation	regulation	NOUN
fbem-26174	246	5	6.1	6.1	NUM
fbem-26174	246	6	(	(	PUNCT
fbem-26174	246	7	2020	2020	NUM
fbem-26174	246	8	):	):	PUNCT
fbem-26174	246	9	75	75	NUM
fbem-26174	246	10	-	-	SYM
fbem-26174	246	11	124	124	NUM
fbem-26174	246	12	.	.	PUNCT