id	sid	tid	token	lemma	pos
fbem-26274	1	1	frontiers	frontier	NOUN
fbem-26274	1	2	in	in	ADP
fbem-26274	1	3	business	business	NOUN
fbem-26274	1	4	,	,	PUNCT
fbem-26274	1	5	economics	economic	NOUN
fbem-26274	1	6	and	and	CCONJ
fbem-26274	1	7	management	management	NOUN
fbem-26274	1	8	issn	issn	PROPN
fbem-26274	1	9	:	:	PUNCT
fbem-26274	1	10	2766	2766	NUM
fbem-26274	1	11	-	-	PUNCT
fbem-26274	1	12	824x	824x	NUM
fbem-26274	1	13	|	|	ADJ
fbem-26274	1	14	vol	vol	NOUN
fbem-26274	1	15	.	.	PUNCT
fbem-26274	2	1	16	16	NUM
fbem-26274	2	2	,	,	PUNCT
fbem-26274	2	3	no	no	INTJ
fbem-26274	2	4	.	.	NOUN
fbem-26274	2	5	3	3	NUM
fbem-26274	2	6	,	,	PUNCT
fbem-26274	2	7	2024	2024	NUM
fbem-26274	2	8	282	282	NUM
fbem-26274	2	9	research	research	NOUN
fbem-26274	2	10	on	on	ADP
fbem-26274	2	11	the	the	DET
fbem-26274	2	12	impact	impact	NOUN
fbem-26274	2	13	of	of	ADP
fbem-26274	2	14	digital	digital	ADJ
fbem-26274	2	15	financial	financial	ADJ
fbem-26274	2	16	technology	technology	NOUN
fbem-26274	2	17	on	on	ADP
fbem-26274	2	18	the	the	DET
fbem-26274	2	19	business	business	NOUN
fbem-26274	2	20	model	model	NOUN
fbem-26274	2	21	transformation	transformation	NOUN
fbem-26274	2	22	of	of	ADP
fbem-26274	2	23	commercial	commercial	ADJ
fbem-26274	2	24	banks	bank	NOUN
fbem-26274	2	25	zijun	zijun	PROPN
fbem-26274	3	1	zhai	zhai	PROPN
fbem-26274	3	2	*	*	PUNCT
fbem-26274	3	3	high	high	ADJ
fbem-26274	3	4	school	school	NOUN
fbem-26274	3	5	attached	attach	VERB
fbem-26274	3	6	to	to	ADP
fbem-26274	3	7	shandong	shandong	PROPN
fbem-26274	3	8	normal	normal	PROPN
fbem-26274	3	9	university	university	PROPN
fbem-26274	3	10	,	,	PUNCT
fbem-26274	3	11	jinan	jinan	PROPN
fbem-26274	3	12	,	,	PUNCT
fbem-26274	3	13	china	china	PROPN
fbem-26274	3	14	*	*	PUNCT
fbem-26274	3	15	corresponding	correspond	VERB
fbem-26274	3	16	author	author	NOUN
fbem-26274	3	17	:	:	PUNCT
fbem-26274	3	18	zijun	zijun	PROPN
fbem-26274	3	19	zhai	zhai	PROPN
fbem-26274	3	20	(	(	PUNCT
fbem-26274	3	21	email	email	NOUN
fbem-26274	3	22	:	:	PUNCT
fbem-26274	3	23	1218001377@qq.com	1218001377@qq.com	NUM
fbem-26274	3	24	)	)	PUNCT
fbem-26274	3	25	abstract	abstract	NOUN
fbem-26274	3	26	:	:	PUNCT
fbem-26274	3	27	this	this	DET
fbem-26274	3	28	paper	paper	NOUN
fbem-26274	3	29	explores	explore	NOUN
fbem-26274	3	30	in	in	ADP
fbem-26274	3	31	depth	depth	NOUN
fbem-26274	3	32	the	the	DET
fbem-26274	3	33	broad	broad	ADJ
fbem-26274	3	34	impact	impact	NOUN
fbem-26274	3	35	of	of	ADP
fbem-26274	3	36	digital	digital	ADJ
fbem-26274	3	37	financial	financial	ADJ
fbem-26274	3	38	technologies	technology	NOUN
fbem-26274	3	39	on	on	ADP
fbem-26274	3	40	the	the	DET
fbem-26274	3	41	business	business	NOUN
fbem-26274	3	42	models	model	NOUN
fbem-26274	3	43	of	of	ADP
fbem-26274	3	44	commercial	commercial	ADJ
fbem-26274	3	45	banks	bank	NOUN
fbem-26274	3	46	and	and	CCONJ
fbem-26274	3	47	analyzes	analyze	VERB
fbem-26274	3	48	in	in	ADP
fbem-26274	3	49	detail	detail	NOUN
fbem-26274	3	50	the	the	DET
fbem-26274	3	51	transformation	transformation	NOUN
fbem-26274	3	52	strategies	strategy	NOUN
fbem-26274	3	53	that	that	PRON
fbem-26274	3	54	commercial	commercial	ADJ
fbem-26274	3	55	banks	bank	NOUN
fbem-26274	3	56	should	should	AUX
fbem-26274	3	57	adopt	adopt	VERB
fbem-26274	3	58	in	in	ADP
fbem-26274	3	59	response	response	NOUN
fbem-26274	3	60	to	to	ADP
fbem-26274	3	61	these	these	DET
fbem-26274	3	62	changes	change	NOUN
fbem-26274	3	63	.	.	PUNCT
fbem-26274	4	1	with	with	ADP
fbem-26274	4	2	the	the	DET
fbem-26274	4	3	rapid	rapid	ADJ
fbem-26274	4	4	development	development	NOUN
fbem-26274	4	5	of	of	ADP
fbem-26274	4	6	cutting	cut	VERB
fbem-26274	4	7	-	-	PUNCT
fbem-26274	4	8	edge	edge	NOUN
fbem-26274	4	9	technologies	technology	NOUN
fbem-26274	4	10	such	such	ADJ
fbem-26274	4	11	as	as	ADP
fbem-26274	4	12	big	big	ADJ
fbem-26274	4	13	data	datum	NOUN
fbem-26274	4	14	,	,	PUNCT
fbem-26274	4	15	cloud	cloud	NOUN
fbem-26274	4	16	computing	computing	NOUN
fbem-26274	4	17	,	,	PUNCT
fbem-26274	4	18	artificial	artificial	ADJ
fbem-26274	4	19	intelligence	intelligence	NOUN
fbem-26274	4	20	,	,	PUNCT
fbem-26274	4	21	and	and	CCONJ
fbem-26274	4	22	blockchain	blockchain	NOUN
fbem-26274	4	23	,	,	PUNCT
fbem-26274	4	24	digital	digital	ADJ
fbem-26274	4	25	finance	finance	NOUN
fbem-26274	4	26	has	have	AUX
fbem-26274	4	27	become	become	VERB
fbem-26274	4	28	an	an	DET
fbem-26274	4	29	irreversible	irreversible	ADJ
fbem-26274	4	30	trend	trend	NOUN
fbem-26274	4	31	in	in	ADP
fbem-26274	4	32	the	the	DET
fbem-26274	4	33	financial	financial	ADJ
fbem-26274	4	34	industry	industry	NOUN
fbem-26274	4	35	,	,	PUNCT
fbem-26274	4	36	which	which	PRON
fbem-26274	4	37	has	have	AUX
fbem-26274	4	38	not	not	PART
fbem-26274	4	39	only	only	ADV
fbem-26274	4	40	changed	change	VERB
fbem-26274	4	41	the	the	DET
fbem-26274	4	42	way	way	NOUN
fbem-26274	4	43	financial	financial	ADJ
fbem-26274	4	44	serv	serv	X
fbem-26274	4	45	ices	ice	NOUN
fbem-26274	4	46	are	be	AUX
fbem-26274	4	47	provided	provide	VERB
fbem-26274	4	48	,	,	PUNCT
fbem-26274	4	49	but	but	CCONJ
fbem-26274	4	50	also	also	ADV
fbem-26274	4	51	reshaped	reshaped	VERB
fbem-26274	4	52	the	the	DET
fbem-26274	4	53	market	market	NOUN
fbem-26274	4	54	competition	competition	NOUN
fbem-26274	4	55	pattern	pattern	NOUN
fbem-26274	4	56	of	of	ADP
fbem-26274	4	57	commercial	commercial	ADJ
fbem-26274	4	58	banks	bank	NOUN
fbem-26274	4	59	.	.	PUNCT
fbem-26274	5	1	this	this	DET
fbem-26274	5	2	paper	paper	NOUN
fbem-26274	5	3	first	first	ADV
fbem-26274	5	4	expounds	expound	VERB
fbem-26274	5	5	the	the	DET
fbem-26274	5	6	impact	impact	NOUN
fbem-26274	5	7	of	of	ADP
fbem-26274	5	8	digital	digital	ADJ
fbem-26274	5	9	financial	financial	ADJ
fbem-26274	5	10	technology	technology	NOUN
fbem-26274	5	11	on	on	ADP
fbem-26274	5	12	the	the	DET
fbem-26274	5	13	traditional	traditional	ADJ
fbem-26274	5	14	business	business	NOUN
fbem-26274	5	15	model	model	NOUN
fbem-26274	5	16	of	of	ADP
fbem-26274	5	17	commercial	commercial	ADJ
fbem-26274	5	18	banks	bank	NOUN
fbem-26274	5	19	,	,	PUNCT
fbem-26274	5	20	including	include	VERB
fbem-26274	5	21	the	the	DET
fbem-26274	5	22	reduction	reduction	NOUN
fbem-26274	5	23	of	of	ADP
fbem-26274	5	24	market	market	NOUN
fbem-26274	5	25	entry	entry	NOUN
fbem-26274	5	26	threshold	threshold	NOUN
fbem-26274	5	27	,	,	PUNCT
fbem-26274	5	28	the	the	DET
fbem-26274	5	29	change	change	NOUN
fbem-26274	5	30	of	of	ADP
fbem-26274	5	31	competition	competition	NOUN
fbem-26274	5	32	focus	focus	NOUN
fbem-26274	5	33	and	and	CCONJ
fbem-26274	5	34	the	the	DET
fbem-26274	5	35	innovation	innovation	NOUN
fbem-26274	5	36	of	of	ADP
fbem-26274	5	37	risk	risk	NOUN
fbem-26274	5	38	management	management	NOUN
fbem-26274	5	39	model	model	NOUN
fbem-26274	5	40	.	.	PUNCT
fbem-26274	6	1	then	then	ADV
fbem-26274	6	2	,	,	PUNCT
fbem-26274	6	3	the	the	DET
fbem-26274	6	4	paper	paper	NOUN
fbem-26274	6	5	focuses	focus	VERB
fbem-26274	6	6	on	on	ADP
fbem-26274	6	7	the	the	DET
fbem-26274	6	8	specific	specific	ADJ
fbem-26274	6	9	strategies	strategy	NOUN
fbem-26274	6	10	of	of	ADP
fbem-26274	6	11	commercial	commercial	ADJ
fbem-26274	6	12	bank	bank	PROPN
fbem-26274	6	13	business	business	NOUN
fbem-26274	6	14	model	model	NOUN
fbem-26274	6	15	transformation	transformation	NOUN
fbem-26274	6	16	,	,	PUNCT
fbem-26274	6	17	including	include	VERB
fbem-26274	6	18	technological	technological	ADJ
fbem-26274	6	19	innovation	innovation	NOUN
fbem-26274	6	20	,	,	PUNCT
fbem-26274	6	21	organizational	organizational	ADJ
fbem-26274	6	22	structure	structure	NOUN
fbem-26274	6	23	optimization	optimization	NOUN
fbem-26274	6	24	,	,	PUNCT
fbem-26274	6	25	process	process	NOUN
fbem-26274	6	26	management	management	NOUN
fbem-26274	6	27	improvement	improvement	NOUN
fbem-26274	6	28	,	,	PUNCT
fbem-26274	6	29	talent	talent	NOUN
fbem-26274	6	30	training	training	NOUN
fbem-26274	6	31	and	and	CCONJ
fbem-26274	6	32	introduction	introduction	NOUN
fbem-26274	6	33	,	,	PUNCT
fbem-26274	6	34	and	and	CCONJ
fbem-26274	6	35	strengthening	strengthen	VERB
fbem-26274	6	36	cooperation	cooperation	NOUN
fbem-26274	6	37	and	and	CCONJ
fbem-26274	6	38	win	win	NOUN
fbem-26274	6	39	-	-	PUNCT
fbem-26274	6	40	win	win	NOUN
fbem-26274	6	41	situation	situation	NOUN
fbem-26274	6	42	.	.	PUNCT
fbem-26274	7	1	through	through	ADP
fbem-26274	7	2	the	the	DET
fbem-26274	7	3	introduction	introduction	NOUN
fbem-26274	7	4	of	of	ADP
fbem-26274	7	5	the	the	DET
fbem-26274	7	6	actual	actual	ADJ
fbem-26274	7	7	case	case	NOUN
fbem-26274	7	8	analysis	analysis	NOUN
fbem-26274	7	9	,	,	PUNCT
fbem-26274	7	10	it	it	PRON
fbem-26274	7	11	shows	show	VERB
fbem-26274	7	12	the	the	DET
fbem-26274	7	13	successful	successful	ADJ
fbem-26274	7	14	practice	practice	NOUN
fbem-26274	7	15	and	and	CCONJ
fbem-26274	7	16	lessons	lesson	NOUN
fbem-26274	7	17	of	of	ADP
fbem-26274	7	18	commercial	commercial	ADJ
fbem-26274	7	19	banks	bank	NOUN
fbem-26274	7	20	in	in	ADP
fbem-26274	7	21	the	the	DET
fbem-26274	7	22	business	business	NOUN
fbem-26274	7	23	model	model	NOUN
fbem-26274	7	24	transformation	transformation	NOUN
fbem-26274	7	25	.	.	PUNCT
fbem-26274	8	1	finally	finally	ADV
fbem-26274	8	2	,	,	PUNCT
fbem-26274	8	3	this	this	DET
fbem-26274	8	4	paper	paper	NOUN
fbem-26274	8	5	concludes	conclude	VERB
fbem-26274	8	6	that	that	SCONJ
fbem-26274	8	7	the	the	DET
fbem-26274	8	8	key	key	NOUN
fbem-26274	8	9	to	to	ADP
fbem-26274	8	10	the	the	DET
fbem-26274	8	11	successful	successful	ADJ
fbem-26274	8	12	transformation	transformation	NOUN
fbem-26274	8	13	of	of	ADP
fbem-26274	8	14	commercial	commercial	ADJ
fbem-26274	8	15	banks	bank	NOUN
fbem-26274	8	16	'	'	PART
fbem-26274	8	17	business	business	NOUN
fbem-26274	8	18	model	model	NOUN
fbem-26274	8	19	lies	lie	VERB
fbem-26274	8	20	in	in	ADP
fbem-26274	8	21	the	the	DET
fbem-26274	8	22	deep	deep	ADJ
fbem-26274	8	23	integration	integration	NOUN
fbem-26274	8	24	of	of	ADP
fbem-26274	8	25	technology	technology	NOUN
fbem-26274	8	26	and	and	CCONJ
fbem-26274	8	27	business	business	NOUN
fbem-26274	8	28	,	,	PUNCT
fbem-26274	8	29	as	as	ADV
fbem-26274	8	30	well	well	ADV
fbem-26274	8	31	as	as	ADP
fbem-26274	8	32	the	the	DET
fbem-26274	8	33	ability	ability	NOUN
fbem-26274	8	34	to	to	PART
fbem-26274	8	35	flexibly	flexibly	ADV
fbem-26274	8	36	respond	respond	VERB
fbem-26274	8	37	to	to	ADP
fbem-26274	8	38	market	market	NOUN
fbem-26274	8	39	changes	change	NOUN
fbem-26274	8	40	and	and	CCONJ
fbem-26274	8	41	customer	customer	NOUN
fbem-26274	8	42	needs	need	NOUN
fbem-26274	8	43	.	.	PUNCT
fbem-26274	9	1	only	only	ADV
fbem-26274	9	2	in	in	ADP
fbem-26274	9	3	this	this	DET
fbem-26274	9	4	way	way	NOUN
fbem-26274	9	5	can	can	AUX
fbem-26274	9	6	commercial	commercial	ADJ
fbem-26274	9	7	banks	bank	NOUN
fbem-26274	9	8	remain	remain	VERB
fbem-26274	9	9	competitive	competitive	ADJ
fbem-26274	9	10	and	and	CCONJ
fbem-26274	9	11	achieve	achieve	VERB
fbem-26274	9	12	sustainable	sustainable	ADJ
fbem-26274	9	13	development	development	NOUN
fbem-26274	9	14	in	in	ADP
fbem-26274	9	15	the	the	DET
fbem-26274	9	16	era	era	NOUN
fbem-26274	9	17	of	of	ADP
fbem-26274	9	18	digital	digital	ADJ
fbem-26274	9	19	finance	finance	NOUN
fbem-26274	9	20	.	.	PUNCT
fbem-26274	10	1	keywords	keyword	NOUN
fbem-26274	10	2	:	:	PUNCT
fbem-26274	10	3	digital	digital	ADJ
fbem-26274	10	4	financial	financial	ADJ
fbem-26274	10	5	technology	technology	NOUN
fbem-26274	10	6	,	,	PUNCT
fbem-26274	10	7	commercial	commercial	ADJ
fbem-26274	10	8	banking	banking	NOUN
fbem-26274	10	9	,	,	PUNCT
fbem-26274	10	10	business	business	NOUN
fbem-26274	10	11	model	model	NOUN
fbem-26274	10	12	transformation	transformation	NOUN
fbem-26274	10	13	,	,	PUNCT
fbem-26274	10	14	operational	operational	ADJ
fbem-26274	10	15	efficiency	efficiency	NOUN
fbem-26274	10	16	,	,	PUNCT
fbem-26274	10	17	risk	risk	NOUN
fbem-26274	10	18	management	management	NOUN
fbem-26274	10	19	,	,	PUNCT
fbem-26274	10	20	customer	customer	NOUN
fbem-26274	10	21	experience	experience	NOUN
fbem-26274	10	22	.	.	PUNCT
fbem-26274	11	1	1	1	X
fbem-26274	11	2	.	.	X
fbem-26274	11	3	introduction	introduction	NOUN
fbem-26274	11	4	in	in	ADP
fbem-26274	11	5	the	the	DET
fbem-26274	11	6	context	context	NOUN
fbem-26274	11	7	of	of	ADP
fbem-26274	11	8	today	today	NOUN
fbem-26274	11	9	's	's	PART
fbem-26274	11	10	global	global	ADJ
fbem-26274	11	11	economic	economic	ADJ
fbem-26274	11	12	integration	integration	NOUN
fbem-26274	11	13	,	,	PUNCT
fbem-26274	11	14	the	the	DET
fbem-26274	11	15	wave	wave	NOUN
fbem-26274	11	16	of	of	ADP
fbem-26274	11	17	financial	financial	ADJ
fbem-26274	11	18	technology	technology	NOUN
fbem-26274	11	19	has	have	AUX
fbem-26274	11	20	swept	sweep	VERB
fbem-26274	11	21	the	the	DET
fbem-26274	11	22	traditional	traditional	ADJ
fbem-26274	11	23	financial	financial	ADJ
fbem-26274	11	24	industry	industry	NOUN
fbem-26274	11	25	at	at	ADP
fbem-26274	11	26	an	an	DET
fbem-26274	11	27	unprecedented	unprecedented	ADJ
fbem-26274	11	28	speed	speed	NOUN
fbem-26274	11	29	,	,	PUNCT
fbem-26274	11	30	especially	especially	ADV
fbem-26274	11	31	in	in	ADP
fbem-26274	11	32	the	the	DET
fbem-26274	11	33	field	field	NOUN
fbem-26274	11	34	of	of	ADP
fbem-26274	11	35	commercial	commercial	ADJ
fbem-26274	11	36	banks	bank	NOUN
fbem-26274	11	37	.	.	PUNCT
fbem-26274	12	1	with	with	ADP
fbem-26274	12	2	the	the	DET
fbem-26274	12	3	rapid	rapid	ADJ
fbem-26274	12	4	development	development	NOUN
fbem-26274	12	5	of	of	ADP
fbem-26274	12	6	information	information	NOUN
fbem-26274	12	7	technology	technology	NOUN
fbem-26274	12	8	and	and	CCONJ
fbem-26274	12	9	the	the	DET
fbem-26274	12	10	continuous	continuous	ADJ
fbem-26274	12	11	improvement	improvement	NOUN
fbem-26274	12	12	of	of	ADP
fbem-26274	12	13	internet	internet	NOUN
fbem-26274	12	14	penetration	penetration	NOUN
fbem-26274	12	15	,	,	PUNCT
fbem-26274	12	16	digital	digital	ADJ
fbem-26274	12	17	financial	financial	ADJ
fbem-26274	12	18	technology	technology	NOUN
fbem-26274	12	19	is	be	AUX
fbem-26274	12	20	gradually	gradually	ADV
fbem-26274	12	21	penetrating	penetrate	VERB
fbem-26274	12	22	into	into	ADP
fbem-26274	12	23	every	every	DET
fbem-26274	12	24	corner	corner	NOUN
fbem-26274	12	25	of	of	ADP
fbem-26274	12	26	financial	financial	ADJ
fbem-26274	12	27	services	service	NOUN
fbem-26274	12	28	,	,	PUNCT
fbem-26274	12	29	and	and	CCONJ
fbem-26274	12	30	has	have	VERB
fbem-26274	12	31	a	a	DET
fbem-26274	12	32	profound	profound	ADJ
fbem-26274	12	33	impact	impact	NOUN
fbem-26274	12	34	on	on	ADP
fbem-26274	12	35	the	the	DET
fbem-26274	12	36	traditional	traditional	ADJ
fbem-26274	12	37	business	business	NOUN
fbem-26274	12	38	model	model	NOUN
fbem-26274	12	39	and	and	CCONJ
fbem-26274	12	40	service	service	NOUN
fbem-26274	12	41	mode	mode	NOUN
fbem-26274	12	42	of	of	ADP
fbem-26274	12	43	commercial	commercial	ADJ
fbem-26274	12	44	banks	bank	NOUN
fbem-26274	12	45	and	and	CCONJ
fbem-26274	12	46	even	even	ADV
fbem-26274	12	47	the	the	DET
fbem-26274	12	48	entire	entire	ADJ
fbem-26274	12	49	financial	financial	ADJ
fbem-26274	12	50	ecological	ecological	ADJ
fbem-26274	12	51	chain	chain	NOUN
fbem-26274	12	52	.	.	PUNCT
fbem-26274	13	1	the	the	DET
fbem-26274	13	2	rise	rise	NOUN
fbem-26274	13	3	of	of	ADP
fbem-26274	13	4	digital	digital	ADJ
fbem-26274	13	5	financial	financial	ADJ
fbem-26274	13	6	technology	technology	NOUN
fbem-26274	13	7	has	have	AUX
fbem-26274	13	8	not	not	PART
fbem-26274	13	9	only	only	ADV
fbem-26274	13	10	brought	bring	VERB
fbem-26274	13	11	the	the	DET
fbem-26274	13	12	innovation	innovation	NOUN
fbem-26274	13	13	of	of	ADP
fbem-26274	13	14	payment	payment	NOUN
fbem-26274	13	15	methods	method	NOUN
fbem-26274	13	16	,	,	PUNCT
fbem-26274	13	17	the	the	DET
fbem-26274	13	18	intelligence	intelligence	NOUN
fbem-26274	13	19	of	of	ADP
fbem-26274	13	20	credit	credit	NOUN
fbem-26274	13	21	assessment	assessment	NOUN
fbem-26274	13	22	and	and	CCONJ
fbem-26274	13	23	the	the	DET
fbem-26274	13	24	personalization	personalization	NOUN
fbem-26274	13	25	of	of	ADP
fbem-26274	13	26	investment	investment	NOUN
fbem-26274	13	27	and	and	CCONJ
fbem-26274	13	28	financial	financial	ADJ
fbem-26274	13	29	management	management	NOUN
fbem-26274	13	30	,	,	PUNCT
fbem-26274	13	31	but	but	CCONJ
fbem-26274	13	32	more	more	ADV
fbem-26274	13	33	importantly	importantly	ADV
fbem-26274	13	34	,	,	PUNCT
fbem-26274	13	35	it	it	PRON
fbem-26274	13	36	has	have	AUX
fbem-26274	13	37	promoted	promote	VERB
fbem-26274	13	38	the	the	DET
fbem-26274	13	39	inclusion	inclusion	NOUN
fbem-26274	13	40	of	of	ADP
fbem-26274	13	41	financial	financial	ADJ
fbem-26274	13	42	services	service	NOUN
fbem-26274	13	43	,	,	PUNCT
fbem-26274	13	44	enabling	enable	VERB
fbem-26274	13	45	more	more	ADJ
fbem-26274	13	46	people	people	NOUN
fbem-26274	13	47	to	to	PART
fbem-26274	13	48	enjoy	enjoy	VERB
fbem-26274	13	49	convenient	convenient	ADJ
fbem-26274	13	50	and	and	CCONJ
fbem-26274	13	51	efficient	efficient	ADJ
fbem-26274	13	52	financial	financial	ADJ
fbem-26274	13	53	services	service	NOUN
fbem-26274	13	54	.	.	PUNCT
fbem-26274	14	1	this	this	DET
fbem-26274	14	2	change	change	NOUN
fbem-26274	14	3	not	not	PART
fbem-26274	14	4	only	only	ADV
fbem-26274	14	5	challenges	challenge	VERB
fbem-26274	14	6	the	the	DET
fbem-26274	14	7	traditional	traditional	ADJ
fbem-26274	14	8	dominant	dominant	ADJ
fbem-26274	14	9	position	position	NOUN
fbem-26274	14	10	of	of	ADP
fbem-26274	14	11	commercial	commercial	ADJ
fbem-26274	14	12	banks	bank	NOUN
fbem-26274	14	13	,	,	PUNCT
fbem-26274	14	14	but	but	CCONJ
fbem-26274	14	15	also	also	ADV
fbem-26274	14	16	provides	provide	VERB
fbem-26274	14	17	them	they	PRON
fbem-26274	14	18	with	with	ADP
fbem-26274	14	19	unprecedented	unprecedented	ADJ
fbem-26274	14	20	opportunities	opportunity	NOUN
fbem-26274	14	21	for	for	ADP
fbem-26274	14	22	development	development	NOUN
fbem-26274	14	23	.	.	PUNCT
fbem-26274	15	1	as	as	ADP
fbem-26274	15	2	an	an	DET
fbem-26274	15	3	important	important	ADJ
fbem-26274	15	4	part	part	NOUN
fbem-26274	15	5	of	of	ADP
fbem-26274	15	6	the	the	DET
fbem-26274	15	7	financial	financial	ADJ
fbem-26274	15	8	system	system	NOUN
fbem-26274	15	9	,	,	PUNCT
fbem-26274	15	10	how	how	SCONJ
fbem-26274	15	11	to	to	PART
fbem-26274	15	12	realize	realize	VERB
fbem-26274	15	13	the	the	DET
fbem-26274	15	14	innovation	innovation	NOUN
fbem-26274	15	15	and	and	CCONJ
fbem-26274	15	16	transformation	transformation	NOUN
fbem-26274	15	17	of	of	ADP
fbem-26274	15	18	business	business	NOUN
fbem-26274	15	19	model	model	NOUN
fbem-26274	15	20	in	in	ADP
fbem-26274	15	21	the	the	DET
fbem-26274	15	22	era	era	NOUN
fbem-26274	15	23	of	of	ADP
fbem-26274	15	24	digital	digital	ADJ
fbem-26274	15	25	finance	finance	NOUN
fbem-26274	15	26	has	have	AUX
fbem-26274	15	27	become	become	VERB
fbem-26274	15	28	an	an	DET
fbem-26274	15	29	urgent	urgent	ADJ
fbem-26274	15	30	and	and	CCONJ
fbem-26274	15	31	important	important	ADJ
fbem-26274	15	32	issue	issue	NOUN
fbem-26274	15	33	in	in	ADP
fbem-26274	15	34	front	front	NOUN
fbem-26274	15	35	of	of	ADP
fbem-26274	15	36	commercial	commercial	ADJ
fbem-26274	15	37	banks	bank	NOUN
fbem-26274	15	38	.	.	PUNCT
fbem-26274	16	1	this	this	DET
fbem-26274	16	2	paper	paper	NOUN
fbem-26274	16	3	aims	aim	VERB
fbem-26274	16	4	to	to	PART
fbem-26274	16	5	deeply	deeply	ADV
fbem-26274	16	6	explore	explore	VERB
fbem-26274	16	7	the	the	DET
fbem-26274	16	8	specific	specific	ADJ
fbem-26274	16	9	impact	impact	NOUN
fbem-26274	16	10	of	of	ADP
fbem-26274	16	11	digital	digital	ADJ
fbem-26274	16	12	financial	financial	ADJ
fbem-26274	16	13	technology	technology	NOUN
fbem-26274	16	14	on	on	ADP
fbem-26274	16	15	the	the	DET
fbem-26274	16	16	business	business	NOUN
fbem-26274	16	17	model	model	NOUN
fbem-26274	16	18	of	of	ADP
fbem-26274	16	19	commercial	commercial	ADJ
fbem-26274	16	20	banks	bank	NOUN
fbem-26274	16	21	,	,	PUNCT
fbem-26274	16	22	analyze	analyze	VERB
fbem-26274	16	23	the	the	DET
fbem-26274	16	24	challenges	challenge	NOUN
fbem-26274	16	25	and	and	CCONJ
fbem-26274	16	26	opportunities	opportunity	NOUN
fbem-26274	16	27	faced	face	VERB
fbem-26274	16	28	by	by	ADP
fbem-26274	16	29	commercial	commercial	ADJ
fbem-26274	16	30	banks	bank	NOUN
fbem-26274	16	31	in	in	ADP
fbem-26274	16	32	the	the	DET
fbem-26274	16	33	process	process	NOUN
fbem-26274	16	34	of	of	ADP
fbem-26274	16	35	transformation	transformation	NOUN
fbem-26274	16	36	,	,	PUNCT
fbem-26274	16	37	and	and	CCONJ
fbem-26274	16	38	propose	propose	VERB
fbem-26274	16	39	corresponding	corresponding	ADJ
fbem-26274	16	40	countermeasures	countermeasure	NOUN
fbem-26274	16	41	.	.	PUNCT
fbem-26274	17	1	through	through	ADP
fbem-26274	17	2	literature	literature	PROPN
fbem-26274	17	3	review	review	PROPN
fbem-26274	17	4	,	,	PUNCT
fbem-26274	17	5	case	case	VERB
fbem-26274	17	6	analysis	analysis	NOUN
fbem-26274	17	7	and	and	CCONJ
fbem-26274	17	8	other	other	ADJ
fbem-26274	17	9	methods	method	NOUN
fbem-26274	17	10	,	,	PUNCT
fbem-26274	17	11	this	this	DET
fbem-26274	17	12	paper	paper	NOUN
fbem-26274	17	13	will	will	AUX
fbem-26274	17	14	comprehensively	comprehensively	ADV
fbem-26274	17	15	analyze	analyze	VERB
fbem-26274	17	16	the	the	DET
fbem-26274	17	17	business	business	NOUN
fbem-26274	17	18	model	model	NOUN
fbem-26274	17	19	transformation	transformation	NOUN
fbem-26274	17	20	path	path	NOUN
fbem-26274	17	21	of	of	ADP
fbem-26274	17	22	commercial	commercial	ADJ
fbem-26274	17	23	banks	bank	NOUN
fbem-26274	17	24	in	in	ADP
fbem-26274	17	25	the	the	DET
fbem-26274	17	26	era	era	NOUN
fbem-26274	17	27	of	of	ADP
fbem-26274	17	28	digital	digital	ADJ
fbem-26274	17	29	finance	finance	NOUN
fbem-26274	17	30	,	,	PUNCT
fbem-26274	17	31	in	in	ADP
fbem-26274	17	32	order	order	NOUN
fbem-26274	17	33	to	to	PART
fbem-26274	17	34	provide	provide	VERB
fbem-26274	17	35	useful	useful	ADJ
fbem-26274	17	36	reference	reference	NOUN
fbem-26274	17	37	and	and	CCONJ
fbem-26274	17	38	inspiration	inspiration	NOUN
fbem-26274	17	39	for	for	ADP
fbem-26274	17	40	the	the	DET
fbem-26274	17	41	future	future	ADJ
fbem-26274	17	42	development	development	NOUN
fbem-26274	17	43	of	of	ADP
fbem-26274	17	44	commercial	commercial	ADJ
fbem-26274	17	45	banks	bank	NOUN
fbem-26274	17	46	.	.	PUNCT
fbem-26274	18	1	2	2	X
fbem-26274	18	2	.	.	X
fbem-26274	18	3	overview	overview	NOUN
fbem-26274	18	4	of	of	ADP
fbem-26274	18	5	digital	digital	ADJ
fbem-26274	18	6	financial	financial	ADJ
fbem-26274	18	7	technologies	technology	NOUN
fbem-26274	18	8	2.1	2.1	NUM
fbem-26274	18	9	.	.	PUNCT
fbem-26274	19	1	definition	definition	NOUN
fbem-26274	19	2	of	of	ADP
fbem-26274	19	3	digital	digital	ADJ
fbem-26274	19	4	financial	financial	ADJ
fbem-26274	19	5	technology	technology	NOUN
fbem-26274	19	6	allenetal	allenetal	NOUN
fbem-26274	19	7	[	[	X
fbem-26274	19	8	1	1	X
fbem-26274	19	9	]	]	PUNCT
fbem-26274	19	10	regards	regard	VERB
fbem-26274	19	11	the	the	DET
fbem-26274	19	12	use	use	NOUN
fbem-26274	19	13	of	of	ADP
fbem-26274	19	14	digital	digital	ADJ
fbem-26274	19	15	technology	technology	NOUN
fbem-26274	19	16	in	in	ADP
fbem-26274	19	17	the	the	DET
fbem-26274	19	18	financial	financial	ADJ
fbem-26274	19	19	market	market	NOUN
fbem-26274	19	20	as	as	ADP
fbem-26274	19	21	a	a	DET
fbem-26274	19	22	reform	reform	NOUN
fbem-26274	19	23	in	in	ADP
fbem-26274	19	24	the	the	DET
fbem-26274	19	25	way	way	NOUN
fbem-26274	19	26	of	of	ADP
fbem-26274	19	27	financial	financial	ADJ
fbem-26274	19	28	transactions	transaction	NOUN
fbem-26274	19	29	.	.	PUNCT
fbem-26274	20	1	however	however	ADV
fbem-26274	20	2	,	,	PUNCT
fbem-26274	20	3	due	due	ADP
fbem-26274	20	4	to	to	ADP
fbem-26274	20	5	the	the	DET
fbem-26274	20	6	huge	huge	ADJ
fbem-26274	20	7	advantages	advantage	NOUN
fbem-26274	20	8	of	of	ADP
fbem-26274	20	9	network	network	NOUN
fbem-26274	20	10	technology	technology	NOUN
fbem-26274	20	11	in	in	ADP
fbem-26274	20	12	information	information	NOUN
fbem-26274	20	13	collection	collection	NOUN
fbem-26274	20	14	,	,	PUNCT
fbem-26274	20	15	transaction	transaction	NOUN
fbem-26274	20	16	costs	cost	NOUN
fbem-26274	20	17	and	and	CCONJ
fbem-26274	20	18	other	other	ADJ
fbem-26274	20	19	aspects	aspect	NOUN
fbem-26274	20	20	,	,	PUNCT
fbem-26274	20	21	the	the	DET
fbem-26274	20	22	traditional	traditional	ADJ
fbem-26274	20	23	financial	financial	ADJ
fbem-26274	20	24	system	system	NOUN
fbem-26274	20	25	will	will	AUX
fbem-26274	20	26	be	be	AUX
fbem-26274	20	27	subverted	subvert	VERB
fbem-26274	20	28	.	.	PUNCT
fbem-26274	21	1	therefore	therefore	ADV
fbem-26274	21	2	,	,	PUNCT
fbem-26274	21	3	shahrokhi	shahrokhi	VERB
fbem-26274	21	4	[	[	X
fbem-26274	21	5	2	2	X
fbem-26274	21	6	]	]	PUNCT
fbem-26274	21	7	believes	believe	VERB
fbem-26274	21	8	that	that	SCONJ
fbem-26274	21	9	internet	internet	NOUN
fbem-26274	21	10	finance	finance	NOUN
fbem-26274	21	11	is	be	AUX
fbem-26274	21	12	a	a	DET
fbem-26274	21	13	new	new	ADJ
fbem-26274	21	14	financial	financial	ADJ
fbem-26274	21	15	model	model	NOUN
fbem-26274	21	16	developed	develop	VERB
fbem-26274	21	17	on	on	ADP
fbem-26274	21	18	the	the	DET
fbem-26274	21	19	basis	basis	NOUN
fbem-26274	21	20	of	of	ADP
fbem-26274	21	21	traditional	traditional	ADJ
fbem-26274	21	22	financial	financial	ADJ
fbem-26274	21	23	intermediation	intermediation	NOUN
fbem-26274	21	24	and	and	CCONJ
fbem-26274	21	25	capital	capital	NOUN
fbem-26274	21	26	market	market	NOUN
fbem-26274	21	27	.	.	PUNCT
fbem-26274	22	1	ozili	ozili	NOUN
fbem-26274	22	2	believes	believe	VERB
fbem-26274	22	3	that	that	SCONJ
fbem-26274	22	4	[	[	X
fbem-26274	22	5	3	3	X
fbem-26274	22	6	]	]	X
fbem-26274	22	7	digital	digital	ADJ
fbem-26274	22	8	finance	finance	NOUN
fbem-26274	22	9	is	be	AUX
fbem-26274	22	10	a	a	DET
fbem-26274	22	11	new	new	ADJ
fbem-26274	22	12	type	type	NOUN
fbem-26274	22	13	of	of	ADP
fbem-26274	22	14	financial	financial	ADJ
fbem-26274	22	15	services	service	NOUN
fbem-26274	22	16	,	,	PUNCT
fbem-26274	22	17	including	include	VERB
fbem-26274	22	18	mobile	mobile	ADJ
fbem-26274	22	19	terminals	terminal	NOUN
fbem-26274	22	20	,	,	PUNCT
fbem-26274	22	21	internet	internet	NOUN
fbem-26274	22	22	and	and	CCONJ
fbem-26274	22	23	other	other	ADJ
fbem-26274	22	24	digital	digital	ADJ
fbem-26274	22	25	technologies	technology	NOUN
fbem-26274	22	26	,	,	PUNCT
fbem-26274	22	27	and	and	CCONJ
fbem-26274	22	28	believes	believe	VERB
fbem-26274	22	29	that	that	SCONJ
fbem-26274	22	30	digital	digital	ADJ
fbem-26274	22	31	finance	finance	NOUN
fbem-26274	22	32	can	can	AUX
fbem-26274	22	33	provide	provide	VERB
fbem-26274	22	34	more	more	ADJ
fbem-26274	22	35	financial	financial	ADJ
fbem-26274	22	36	inclusion	inclusion	NOUN
fbem-26274	22	37	for	for	ADP
fbem-26274	22	38	developing	develop	VERB
fbem-26274	22	39	countries	country	NOUN
fbem-26274	22	40	and	and	CCONJ
fbem-26274	22	41	emerging	emerge	VERB
fbem-26274	22	42	countries	country	NOUN
fbem-26274	22	43	,	,	PUNCT
fbem-26274	22	44	and	and	CCONJ
fbem-26274	22	45	expand	expand	VERB
fbem-26274	22	46	the	the	DET
fbem-26274	22	47	scope	scope	NOUN
fbem-26274	22	48	and	and	CCONJ
fbem-26274	22	49	depth	depth	NOUN
fbem-26274	22	50	of	of	ADP
fbem-26274	22	51	inclusive	inclusive	ADJ
fbem-26274	22	52	finance	finance	NOUN
fbem-26274	22	53	for	for	ADP
fbem-26274	22	54	non	non	ADJ
fbem-26274	22	55	-	-	ADJ
fbem-26274	22	56	financial	financial	ADJ
fbem-26274	22	57	industries	industry	NOUN
fbem-26274	22	58	and	and	CCONJ
fbem-26274	22	59	individuals	individual	NOUN
fbem-26274	22	60	[	[	X
fbem-26274	22	61	4	4	NUM
fbem-26274	22	62	]	]	PUNCT
fbem-26274	22	63	.	.	PUNCT
fbem-26274	23	1	internet	internet	NOUN
fbem-26274	23	2	finance	finance	NOUN
fbem-26274	23	3	,	,	PUNCT
fbem-26274	23	4	including	include	VERB
fbem-26274	23	5	mobile	mobile	ADJ
fbem-26274	23	6	payment	payment	NOUN
fbem-26274	23	7	,	,	PUNCT
fbem-26274	23	8	social	social	ADJ
fbem-26274	23	9	network	network	NOUN
fbem-26274	23	10	,	,	PUNCT
fbem-26274	23	11	search	search	NOUN
fbem-26274	23	12	engine	engine	NOUN
fbem-26274	23	13	,	,	PUNCT
fbem-26274	23	14	cloud	cloud	NOUN
fbem-26274	23	15	computing	computing	NOUN
fbem-26274	23	16	and	and	CCONJ
fbem-26274	23	17	other	other	ADJ
fbem-26274	23	18	technologies	technology	NOUN
fbem-26274	23	19	,	,	PUNCT
fbem-26274	23	20	will	will	AUX
fbem-26274	23	21	profoundly	profoundly	ADV
fbem-26274	23	22	change	change	VERB
fbem-26274	23	23	the	the	DET
fbem-26274	23	24	financial	financial	ADJ
fbem-26274	23	25	market	market	NOUN
fbem-26274	23	26	in	in	ADP
fbem-26274	23	27	today	today	NOUN
fbem-26274	23	28	's	's	PART
fbem-26274	23	29	society	society	NOUN
fbem-26274	23	30	.	.	PUNCT
fbem-26274	24	1	the	the	DET
fbem-26274	24	2	development	development	NOUN
fbem-26274	24	3	of	of	ADP
fbem-26274	24	4	internet	internet	NOUN
fbem-26274	24	5	finance	finance	NOUN
fbem-26274	24	6	may	may	AUX
fbem-26274	24	7	give	give	VERB
fbem-26274	24	8	birth	birth	NOUN
fbem-26274	24	9	to	to	ADP
fbem-26274	24	10	a	a	DET
fbem-26274	24	11	new	new	ADJ
fbem-26274	24	12	financial	financial	ADJ
fbem-26274	24	13	model	model	NOUN
fbem-26274	24	14	called	call	VERB
fbem-26274	24	15	"	"	PUNCT
fbem-26274	24	16	internet	internet	NOUN
fbem-26274	24	17	finance	finance	NOUN
fbem-26274	24	18	model	model	NOUN
fbem-26274	24	19	"	"	PUNCT
fbem-26274	24	20	,	,	PUNCT
fbem-26274	24	21	which	which	PRON
fbem-26274	24	22	is	be	AUX
fbem-26274	24	23	different	different	ADJ
fbem-26274	24	24	from	from	ADP
fbem-26274	24	25	the	the	DET
fbem-26274	24	26	indirect	indirect	ADJ
fbem-26274	24	27	financing	financing	NOUN
fbem-26274	24	28	of	of	ADP
fbem-26274	24	29	commercial	commercial	ADJ
fbem-26274	24	30	banks	bank	NOUN
fbem-26274	24	31	and	and	CCONJ
fbem-26274	24	32	the	the	DET
fbem-26274	24	33	direct	direct	ADJ
fbem-26274	24	34	financing	financing	NOUN
fbem-26274	24	35	of	of	ADP
fbem-26274	24	36	the	the	DET
fbem-26274	24	37	capital	capital	NOUN
fbem-26274	24	38	market	market	NOUN
fbem-26274	24	39	[	[	X
fbem-26274	24	40	6	6	NUM
fbem-26274	24	41	]	]	PUNCT
fbem-26274	24	42	.	.	PUNCT
fbem-26274	25	1	huang	huang	PROPN
fbem-26274	25	2	yiping	yip	VERB
fbem-26274	25	3	283	283	NUM
fbem-26274	25	4	and	and	CCONJ
fbem-26274	25	5	huang	huang	PROPN
fbem-26274	25	6	zhuo	zhuo	PROPN
fbem-26274	26	1	[	[	X
fbem-26274	26	2	7	7	NUM
fbem-26274	26	3	]	]	X
fbem-26274	26	4	defined	define	VERB
fbem-26274	26	5	digital	digital	ADJ
fbem-26274	26	6	finance	finance	NOUN
fbem-26274	26	7	,	,	PUNCT
fbem-26274	26	8	that	that	ADV
fbem-26274	26	9	is	is	ADV
fbem-26274	26	10	,	,	PUNCT
fbem-26274	26	11	a	a	DET
fbem-26274	26	12	series	series	NOUN
fbem-26274	26	13	of	of	ADP
fbem-26274	26	14	new	new	ADJ
fbem-26274	26	15	financing	financing	NOUN
fbem-26274	26	16	methods	method	NOUN
fbem-26274	26	17	such	such	ADJ
fbem-26274	26	18	as	as	ADP
fbem-26274	26	19	investment	investment	NOUN
fbem-26274	26	20	,	,	PUNCT
fbem-26274	26	21	financing	financing	NOUN
fbem-26274	26	22	,	,	PUNCT
fbem-26274	26	23	payment	payment	NOUN
fbem-26274	26	24	and	and	CCONJ
fbem-26274	26	25	loan	loan	NOUN
fbem-26274	26	26	made	make	VERB
fbem-26274	26	27	use	use	NOUN
fbem-26274	26	28	of	of	ADP
fbem-26274	26	29	digital	digital	ADJ
fbem-26274	26	30	technology	technology	NOUN
fbem-26274	26	31	by	by	ADP
fbem-26274	26	32	traditional	traditional	ADJ
fbem-26274	26	33	financial	financial	ADJ
fbem-26274	26	34	organizations	organization	NOUN
fbem-26274	26	35	and	and	CCONJ
fbem-26274	26	36	network	network	NOUN
fbem-26274	26	37	companies	company	NOUN
fbem-26274	26	38	,	,	PUNCT
fbem-26274	26	39	and	and	CCONJ
fbem-26274	26	40	emphasized	emphasize	VERB
fbem-26274	26	41	its	its	PRON
fbem-26274	26	42	technological	technological	ADJ
fbem-26274	26	43	and	and	CCONJ
fbem-26274	26	44	financial	financial	ADJ
fbem-26274	26	45	characteristics	characteristic	NOUN
fbem-26274	26	46	.	.	PUNCT
fbem-26274	27	1	the	the	DET
fbem-26274	27	2	people	people	NOUN
fbem-26274	27	3	's	's	PART
fbem-26274	27	4	bank	bank	PROPN
fbem-26274	27	5	of	of	ADP
fbem-26274	27	6	china	china	PROPN
fbem-26274	27	7	defines	define	VERB
fbem-26274	27	8	internet	internet	NOUN
fbem-26274	27	9	finance	finance	NOUN
fbem-26274	27	10	as	as	ADP
fbem-26274	27	11	:	:	PUNCT
fbem-26274	27	12	using	use	VERB
fbem-26274	27	13	new	new	ADJ
fbem-26274	27	14	financial	financial	ADJ
fbem-26274	27	15	business	business	NOUN
fbem-26274	27	16	models	model	NOUN
fbem-26274	27	17	of	of	ADP
fbem-26274	27	18	communication	communication	NOUN
fbem-26274	27	19	,	,	PUNCT
fbem-26274	27	20	internet	internet	NOUN
fbem-26274	27	21	,	,	PUNCT
fbem-26274	27	22	information	information	NOUN
fbem-26274	27	23	and	and	CCONJ
fbem-26274	27	24	other	other	ADJ
fbem-26274	27	25	technologies	technology	NOUN
fbem-26274	27	26	can	can	AUX
fbem-26274	27	27	more	more	ADV
fbem-26274	27	28	effectively	effectively	ADV
fbem-26274	27	29	realize	realize	VERB
fbem-26274	27	30	financial	financial	ADJ
fbem-26274	27	31	investment	investment	NOUN
fbem-26274	27	32	and	and	CCONJ
fbem-26274	27	33	financing	financing	NOUN
fbem-26274	27	34	and	and	CCONJ
fbem-26274	27	35	other	other	ADJ
fbem-26274	27	36	functions	function	NOUN
fbem-26274	27	37	as	as	ADP
fbem-26274	27	38	information	information	NOUN
fbem-26274	27	39	intermediary	intermediary	NOUN
fbem-26274	27	40	services	service	NOUN
fbem-26274	27	41	.	.	PUNCT
fbem-26274	28	1	2.2	2.2	NUM
fbem-26274	28	2	.	.	PUNCT
fbem-26274	29	1	the	the	DET
fbem-26274	29	2	impact	impact	NOUN
fbem-26274	29	3	of	of	ADP
fbem-26274	29	4	digital	digital	ADJ
fbem-26274	29	5	finance	finance	NOUN
fbem-26274	29	6	on	on	ADP
fbem-26274	29	7	commercial	commercial	ADJ
fbem-26274	29	8	banks	bank	NOUN
fbem-26274	29	9	berger	berger	PROPN
fbem-26274	29	10	[	[	X
fbem-26274	29	11	8	8	NUM
fbem-26274	29	12	]	]	PUNCT
fbem-26274	29	13	believes	believe	VERB
fbem-26274	29	14	that	that	SCONJ
fbem-26274	29	15	the	the	DET
fbem-26274	29	16	development	development	NOUN
fbem-26274	29	17	of	of	ADP
fbem-26274	29	18	network	network	NOUN
fbem-26274	29	19	technology	technology	NOUN
fbem-26274	29	20	will	will	AUX
fbem-26274	29	21	improve	improve	VERB
fbem-26274	29	22	the	the	DET
fbem-26274	29	23	service	service	NOUN
fbem-26274	29	24	quality	quality	NOUN
fbem-26274	29	25	of	of	ADP
fbem-26274	29	26	banks	bank	NOUN
fbem-26274	29	27	and	and	CCONJ
fbem-26274	29	28	make	make	VERB
fbem-26274	29	29	them	they	PRON
fbem-26274	29	30	more	more	ADV
fbem-26274	29	31	diversified	diversified	ADJ
fbem-26274	29	32	.	.	PUNCT
fbem-26274	30	1	dapp	dapp	NOUN
fbem-26274	30	2	&	&	CCONJ
fbem-26274	30	3	slomka	slomka	PROPN
fbem-26274	31	1	[	[	X
fbem-26274	31	2	9	9	NUM
fbem-26274	31	3	]	]	PUNCT
fbem-26274	31	4	pointed	point	VERB
fbem-26274	31	5	out	out	ADP
fbem-26274	31	6	that	that	SCONJ
fbem-26274	31	7	the	the	DET
fbem-26274	31	8	establishment	establishment	NOUN
fbem-26274	31	9	of	of	ADP
fbem-26274	31	10	strategic	strategic	ADJ
fbem-26274	31	11	alliances	alliance	NOUN
fbem-26274	31	12	can	can	AUX
fbem-26274	31	13	help	help	VERB
fbem-26274	31	14	banks	bank	NOUN
fbem-26274	31	15	increase	increase	VERB
fbem-26274	31	16	their	their	PRON
fbem-26274	31	17	market	market	NOUN
fbem-26274	31	18	share	share	NOUN
fbem-26274	31	19	in	in	ADP
fbem-26274	31	20	the	the	DET
fbem-26274	31	21	field	field	NOUN
fbem-26274	31	22	of	of	ADP
fbem-26274	31	23	digital	digital	ADJ
fbem-26274	31	24	financial	financial	ADJ
fbem-26274	31	25	services	service	NOUN
fbem-26274	31	26	and	and	CCONJ
fbem-26274	31	27	reduce	reduce	VERB
fbem-26274	31	28	potential	potential	ADJ
fbem-26274	31	29	competitors	competitor	NOUN
fbem-26274	31	30	,	,	PUNCT
fbem-26274	31	31	thus	thus	ADV
fbem-26274	31	32	reducing	reduce	VERB
fbem-26274	31	33	the	the	DET
fbem-26274	31	34	degree	degree	NOUN
fbem-26274	31	35	of	of	ADP
fbem-26274	31	36	competition	competition	NOUN
fbem-26274	31	37	of	of	ADP
fbem-26274	31	38	banks	bank	NOUN
fbem-26274	31	39	.	.	PUNCT
fbem-26274	32	1	gong	gong	PROPN
fbem-26274	32	2	xiaolin	xiaolin	PROPN
fbem-26274	33	1	[	[	X
fbem-26274	33	2	10	10	NUM
fbem-26274	33	3	]	]	PUNCT
fbem-26274	33	4	believes	believe	VERB
fbem-26274	33	5	that	that	SCONJ
fbem-26274	33	6	based	base	VERB
fbem-26274	33	7	on	on	ADP
fbem-26274	33	8	the	the	DET
fbem-26274	33	9	connotation	connotation	NOUN
fbem-26274	33	10	of	of	ADP
fbem-26274	33	11	internet	internet	NOUN
fbem-26274	33	12	finance	finance	NOUN
fbem-26274	33	13	,	,	PUNCT
fbem-26274	33	14	its	its	PRON
fbem-26274	33	15	impact	impact	NOUN
fbem-26274	33	16	on	on	ADP
fbem-26274	33	17	commercial	commercial	ADJ
fbem-26274	33	18	banking	banking	NOUN
fbem-26274	33	19	mainly	mainly	ADV
fbem-26274	33	20	includes	include	VERB
fbem-26274	33	21	:	:	PUNCT
fbem-26274	33	22	development	development	NOUN
fbem-26274	33	23	strategy	strategy	NOUN
fbem-26274	33	24	,	,	PUNCT
fbem-26274	33	25	service	service	NOUN
fbem-26274	33	26	efficiency	efficiency	NOUN
fbem-26274	33	27	,	,	PUNCT
fbem-26274	33	28	price	price	NOUN
fbem-26274	33	29	determination	determination	NOUN
fbem-26274	33	30	and	and	CCONJ
fbem-26274	33	31	service	service	NOUN
fbem-26274	33	32	substitution	substitution	NOUN
fbem-26274	33	33	.	.	PUNCT
fbem-26274	34	1	dai	dai	PROPN
fbem-26274	34	2	guoqiang	guoqiang	PROPN
fbem-26274	34	3	and	and	CCONJ
fbem-26274	34	4	fang	fang	PROPN
fbem-26274	34	5	pengfei	pengfei	NOUN
fbem-26274	35	1	[	[	X
fbem-26274	35	2	11	11	NUM
fbem-26274	35	3	]	]	PUNCT
fbem-26274	35	4	believe	believe	VERB
fbem-26274	35	5	that	that	SCONJ
fbem-26274	35	6	the	the	DET
fbem-26274	35	7	development	development	NOUN
fbem-26274	35	8	of	of	ADP
fbem-26274	35	9	internet	internet	NOUN
fbem-26274	35	10	finance	finance	NOUN
fbem-26274	35	11	may	may	AUX
fbem-26274	35	12	have	have	VERB
fbem-26274	35	13	a	a	DET
fbem-26274	35	14	great	great	ADJ
fbem-26274	35	15	impact	impact	NOUN
fbem-26274	35	16	on	on	ADP
fbem-26274	35	17	the	the	DET
fbem-26274	35	18	process	process	NOUN
fbem-26274	35	19	of	of	ADP
fbem-26274	35	20	deposit	deposit	NOUN
fbem-26274	35	21	interest	interest	NOUN
fbem-26274	35	22	rate	rate	NOUN
fbem-26274	35	23	liberalization	liberalization	NOUN
fbem-26274	35	24	in	in	ADP
fbem-26274	35	25	china	china	PROPN
fbem-26274	35	26	,	,	PUNCT
fbem-26274	35	27	and	and	CCONJ
fbem-26274	35	28	have	have	VERB
fbem-26274	35	29	a	a	DET
fbem-26274	35	30	certain	certain	ADJ
fbem-26274	35	31	impact	impact	NOUN
fbem-26274	35	32	on	on	ADP
fbem-26274	35	33	bank	bank	NOUN
fbem-26274	35	34	earnings	earning	NOUN
fbem-26274	35	35	.	.	PUNCT
fbem-26274	36	1	3	3	X
fbem-26274	36	2	.	.	X
fbem-26274	36	3	the	the	DET
fbem-26274	36	4	influence	influence	NOUN
fbem-26274	36	5	of	of	ADP
fbem-26274	36	6	digital	digital	ADJ
fbem-26274	36	7	financial	financial	ADJ
fbem-26274	36	8	technology	technology	NOUN
fbem-26274	36	9	on	on	ADP
fbem-26274	36	10	the	the	DET
fbem-26274	36	11	competitive	competitive	ADJ
fbem-26274	36	12	pattern	pattern	NOUN
fbem-26274	36	13	of	of	ADP
fbem-26274	36	14	commercial	commercial	ADJ
fbem-26274	36	15	banks	bank	NOUN
fbem-26274	36	16	3.1	3.1	NUM
fbem-26274	36	17	.	.	PUNCT
fbem-26274	37	1	lower	low	ADJ
fbem-26274	37	2	market	market	NOUN
fbem-26274	37	3	entry	entry	NOUN
fbem-26274	37	4	barriers	barrier	NOUN
fbem-26274	37	5	the	the	DET
fbem-26274	37	6	popularity	popularity	NOUN
fbem-26274	37	7	of	of	ADP
fbem-26274	37	8	digital	digital	ADJ
fbem-26274	37	9	financial	financial	ADJ
fbem-26274	37	10	technology	technology	NOUN
fbem-26274	37	11	has	have	AUX
fbem-26274	37	12	lowered	lower	VERB
fbem-26274	37	13	the	the	DET
fbem-26274	37	14	market	market	NOUN
fbem-26274	37	15	entry	entry	NOUN
fbem-26274	37	16	threshold	threshold	NOUN
fbem-26274	37	17	for	for	ADP
fbem-26274	37	18	financial	financial	ADJ
fbem-26274	37	19	services	service	NOUN
fbem-26274	37	20	,	,	PUNCT
fbem-26274	37	21	enabling	enable	VERB
fbem-26274	37	22	non	non	ADJ
fbem-26274	37	23	-	-	ADJ
fbem-26274	37	24	traditional	traditional	ADJ
fbem-26274	37	25	financial	financial	ADJ
fbem-26274	37	26	institutions	institution	NOUN
fbem-26274	37	27	such	such	ADJ
fbem-26274	37	28	as	as	ADP
fbem-26274	37	29	internet	internet	NOUN
fbem-26274	37	30	finance	finance	NOUN
fbem-26274	37	31	companies	company	NOUN
fbem-26274	37	32	and	and	CCONJ
fbem-26274	37	33	fintech	fintech	NOUN
fbem-26274	37	34	startups	startup	NOUN
fbem-26274	37	35	to	to	PART
fbem-26274	37	36	quickly	quickly	ADV
fbem-26274	37	37	enter	enter	VERB
fbem-26274	37	38	the	the	DET
fbem-26274	37	39	market	market	NOUN
fbem-26274	37	40	and	and	CCONJ
fbem-26274	37	41	provide	provide	VERB
fbem-26274	37	42	diversified	diversified	ADJ
fbem-26274	37	43	financial	financial	ADJ
fbem-26274	37	44	services	service	NOUN
fbem-26274	37	45	.	.	PUNCT
fbem-26274	38	1	with	with	ADP
fbem-26274	38	2	technological	technological	ADJ
fbem-26274	38	3	innovation	innovation	NOUN
fbem-26274	38	4	,	,	PUNCT
fbem-26274	38	5	flexible	flexible	ADJ
fbem-26274	38	6	operation	operation	NOUN
fbem-26274	38	7	and	and	CCONJ
fbem-26274	38	8	user	user	NOUN
fbem-26274	38	9	experience	experience	NOUN
fbem-26274	38	10	advantages	advantage	NOUN
fbem-26274	38	11	,	,	PUNCT
fbem-26274	38	12	these	these	DET
fbem-26274	38	13	emerging	emerge	VERB
fbem-26274	38	14	institutions	institution	NOUN
fbem-26274	38	15	have	have	AUX
fbem-26274	38	16	formed	form	VERB
fbem-26274	38	17	a	a	DET
fbem-26274	38	18	strong	strong	ADJ
fbem-26274	38	19	competition	competition	NOUN
fbem-26274	38	20	for	for	ADP
fbem-26274	38	21	the	the	DET
fbem-26274	38	22	traditional	traditional	ADJ
fbem-26274	38	23	business	business	NOUN
fbem-26274	38	24	of	of	ADP
fbem-26274	38	25	commercial	commercial	ADJ
fbem-26274	38	26	banks	bank	NOUN
fbem-26274	38	27	.	.	PUNCT
fbem-26274	39	1	commercial	commercial	ADJ
fbem-26274	39	2	banks	bank	NOUN
fbem-26274	39	3	need	need	VERB
fbem-26274	39	4	to	to	PART
fbem-26274	39	5	accelerate	accelerate	VERB
fbem-26274	39	6	the	the	DET
fbem-26274	39	7	pace	pace	NOUN
fbem-26274	39	8	of	of	ADP
fbem-26274	39	9	digital	digital	ADJ
fbem-26274	39	10	transformation	transformation	NOUN
fbem-26274	39	11	and	and	CCONJ
fbem-26274	39	12	improve	improve	VERB
fbem-26274	39	13	service	service	NOUN
fbem-26274	39	14	quality	quality	NOUN
fbem-26274	39	15	and	and	CCONJ
fbem-26274	39	16	efficiency	efficiency	NOUN
fbem-26274	39	17	to	to	PART
fbem-26274	39	18	meet	meet	VERB
fbem-26274	39	19	the	the	DET
fbem-26274	39	20	challenges	challenge	NOUN
fbem-26274	39	21	of	of	ADP
fbem-26274	39	22	emerging	emerge	VERB
fbem-26274	39	23	competitors	competitor	NOUN
fbem-26274	39	24	.	.	PUNCT
fbem-26274	40	1	3.2	3.2	NUM
fbem-26274	40	2	.	.	PUNCT
fbem-26274	41	1	a	a	DET
fbem-26274	41	2	shift	shift	NOUN
fbem-26274	41	3	in	in	ADP
fbem-26274	41	4	the	the	DET
fbem-26274	41	5	focus	focus	NOUN
fbem-26274	41	6	of	of	ADP
fbem-26274	41	7	competition	competition	NOUN
fbem-26274	41	8	driven	drive	VERB
fbem-26274	41	9	by	by	ADP
fbem-26274	41	10	digital	digital	ADJ
fbem-26274	41	11	financial	financial	ADJ
fbem-26274	41	12	technology	technology	NOUN
fbem-26274	41	13	,	,	PUNCT
fbem-26274	41	14	the	the	DET
fbem-26274	41	15	competitive	competitive	ADJ
fbem-26274	41	16	focus	focus	NOUN
fbem-26274	41	17	of	of	ADP
fbem-26274	41	18	commercial	commercial	ADJ
fbem-26274	41	19	banks	bank	NOUN
fbem-26274	41	20	has	have	AUX
fbem-26274	41	21	gradually	gradually	ADV
fbem-26274	41	22	shifted	shift	VERB
fbem-26274	41	23	from	from	ADP
fbem-26274	41	24	traditional	traditional	ADJ
fbem-26274	41	25	deposit	deposit	NOUN
fbem-26274	41	26	and	and	CCONJ
fbem-26274	41	27	loan	loan	NOUN
fbem-26274	41	28	business	business	NOUN
fbem-26274	41	29	and	and	CCONJ
fbem-26274	41	30	physical	physical	ADJ
fbem-26274	41	31	outlet	outlet	NOUN
fbem-26274	41	32	layout	layout	PROPN
fbem-26274	41	33	to	to	ADP
fbem-26274	41	34	financial	financial	ADJ
fbem-26274	41	35	technology	technology	NOUN
fbem-26274	41	36	applications	application	NOUN
fbem-26274	41	37	,	,	PUNCT
fbem-26274	41	38	customer	customer	NOUN
fbem-26274	41	39	experience	experience	NOUN
fbem-26274	41	40	,	,	PUNCT
fbem-26274	41	41	data	data	NOUN
fbem-26274	41	42	-	-	PUNCT
fbem-26274	41	43	driven	drive	VERB
fbem-26274	41	44	decision	decision	NOUN
fbem-26274	41	45	-	-	PUNCT
fbem-26274	41	46	making	making	NOUN
fbem-26274	41	47	and	and	CCONJ
fbem-26274	41	48	other	other	ADJ
fbem-26274	41	49	fields	field	NOUN
fbem-26274	41	50	.	.	PUNCT
fbem-26274	42	1	commercial	commercial	ADJ
fbem-26274	42	2	banks	bank	NOUN
fbem-26274	42	3	need	need	VERB
fbem-26274	42	4	to	to	PART
fbem-26274	42	5	increase	increase	VERB
fbem-26274	42	6	investment	investment	NOUN
fbem-26274	42	7	in	in	ADP
fbem-26274	42	8	the	the	DET
fbem-26274	42	9	field	field	NOUN
fbem-26274	42	10	of	of	ADP
fbem-26274	42	11	financial	financial	ADJ
fbem-26274	42	12	technology	technology	NOUN
fbem-26274	42	13	and	and	CCONJ
fbem-26274	42	14	enhance	enhance	VERB
fbem-26274	42	15	digital	digital	ADJ
fbem-26274	42	16	service	service	NOUN
fbem-26274	42	17	capabilities	capability	NOUN
fbem-26274	42	18	to	to	PART
fbem-26274	42	19	meet	meet	VERB
fbem-26274	42	20	the	the	DET
fbem-26274	42	21	growing	grow	VERB
fbem-26274	42	22	personalized	personalize	VERB
fbem-26274	42	23	and	and	CCONJ
fbem-26274	42	24	intelligent	intelligent	ADJ
fbem-26274	42	25	needs	need	NOUN
fbem-26274	42	26	of	of	ADP
fbem-26274	42	27	customers	customer	NOUN
fbem-26274	42	28	.	.	PUNCT
fbem-26274	43	1	at	at	ADP
fbem-26274	43	2	the	the	DET
fbem-26274	43	3	same	same	ADJ
fbem-26274	43	4	time	time	NOUN
fbem-26274	43	5	,	,	PUNCT
fbem-26274	43	6	commercial	commercial	ADJ
fbem-26274	43	7	banks	bank	NOUN
fbem-26274	43	8	also	also	ADV
fbem-26274	43	9	need	need	VERB
fbem-26274	43	10	to	to	PART
fbem-26274	43	11	strengthen	strengthen	VERB
fbem-26274	43	12	data	datum	NOUN
fbem-26274	43	13	governance	governance	NOUN
fbem-26274	43	14	and	and	CCONJ
fbem-26274	43	15	data	data	VERB
fbem-26274	43	16	analysis	analysis	NOUN
fbem-26274	43	17	capabilities	capability	NOUN
fbem-26274	43	18	,	,	PUNCT
fbem-26274	43	19	use	use	VERB
fbem-26274	43	20	big	big	ADJ
fbem-26274	43	21	data	datum	NOUN
fbem-26274	43	22	,	,	PUNCT
fbem-26274	43	23	artificial	artificial	ADJ
fbem-26274	43	24	intelligence	intelligence	NOUN
fbem-26274	43	25	and	and	CCONJ
fbem-26274	43	26	other	other	ADJ
fbem-26274	43	27	technologies	technology	NOUN
fbem-26274	43	28	to	to	PART
fbem-26274	43	29	optimize	optimize	VERB
fbem-26274	43	30	risk	risk	NOUN
fbem-26274	43	31	management	management	NOUN
fbem-26274	43	32	,	,	PUNCT
fbem-26274	43	33	market	market	NOUN
fbem-26274	43	34	forecasting	forecasting	NOUN
fbem-26274	43	35	and	and	CCONJ
fbem-26274	43	36	other	other	ADJ
fbem-26274	43	37	business	business	NOUN
fbem-26274	43	38	processes	process	NOUN
fbem-26274	43	39	,	,	PUNCT
fbem-26274	43	40	and	and	CCONJ
fbem-26274	43	41	improve	improve	VERB
fbem-26274	43	42	the	the	DET
fbem-26274	43	43	scientific	scientific	ADJ
fbem-26274	43	44	and	and	CCONJ
fbem-26274	43	45	accurate	accurate	ADJ
fbem-26274	43	46	decision	decision	NOUN
fbem-26274	43	47	-	-	PUNCT
fbem-26274	43	48	making	making	NOUN
fbem-26274	43	49	.	.	PUNCT
fbem-26274	44	1	3.3	3.3	NUM
fbem-26274	44	2	.	.	PUNCT
fbem-26274	45	1	a	a	DET
fbem-26274	45	2	new	new	ADJ
fbem-26274	45	3	ecology	ecology	NOUN
fbem-26274	45	4	in	in	ADP
fbem-26274	45	5	which	which	PRON
fbem-26274	45	6	cooperation	cooperation	NOUN
fbem-26274	45	7	and	and	CCONJ
fbem-26274	45	8	competition	competition	NOUN
fbem-26274	45	9	coexist	coexist	VERB
fbem-26274	45	10	the	the	DET
fbem-26274	45	11	development	development	NOUN
fbem-26274	45	12	of	of	ADP
fbem-26274	45	13	digital	digital	ADJ
fbem-26274	45	14	financial	financial	ADJ
fbem-26274	45	15	technology	technology	NOUN
fbem-26274	45	16	has	have	AUX
fbem-26274	45	17	promoted	promote	VERB
fbem-26274	45	18	cross	cross	ADJ
fbem-26274	45	19	-	-	ADJ
fbem-26274	45	20	border	border	ADJ
fbem-26274	45	21	integration	integration	NOUN
fbem-26274	45	22	and	and	CCONJ
fbem-26274	45	23	ecological	ecological	ADJ
fbem-26274	45	24	coconstruction	coconstruction	NOUN
fbem-26274	45	25	of	of	ADP
fbem-26274	45	26	the	the	DET
fbem-26274	45	27	financial	financial	ADJ
fbem-26274	45	28	industry	industry	NOUN
fbem-26274	45	29	.	.	PUNCT
fbem-26274	46	1	while	while	SCONJ
fbem-26274	46	2	facing	face	VERB
fbem-26274	46	3	competitive	competitive	ADJ
fbem-26274	46	4	pressure	pressure	NOUN
fbem-26274	46	5	,	,	PUNCT
fbem-26274	46	6	commercial	commercial	ADJ
fbem-26274	46	7	banks	bank	NOUN
fbem-26274	46	8	have	have	AUX
fbem-26274	46	9	also	also	ADV
fbem-26274	46	10	ushered	usher	VERB
fbem-26274	46	11	in	in	ADP
fbem-26274	46	12	new	new	ADJ
fbem-26274	46	13	opportunities	opportunity	NOUN
fbem-26274	46	14	for	for	ADP
fbem-26274	46	15	cooperation	cooperation	NOUN
fbem-26274	46	16	with	with	ADP
fbem-26274	46	17	financial	financial	ADJ
fbem-26274	46	18	technology	technology	NOUN
fbem-26274	46	19	companies	company	NOUN
fbem-26274	46	20	and	and	CCONJ
fbem-26274	46	21	internet	internet	NOUN
fbem-26274	46	22	companies	company	NOUN
fbem-26274	46	23	.	.	PUNCT
fbem-26274	47	1	through	through	ADP
fbem-26274	47	2	cooperation	cooperation	NOUN
fbem-26274	47	3	,	,	PUNCT
fbem-26274	47	4	commercial	commercial	ADJ
fbem-26274	47	5	banks	bank	NOUN
fbem-26274	47	6	can	can	AUX
fbem-26274	47	7	introduce	introduce	VERB
fbem-26274	47	8	external	external	ADJ
fbem-26274	47	9	technical	technical	ADJ
fbem-26274	47	10	resources	resource	NOUN
fbem-26274	47	11	and	and	CCONJ
fbem-26274	47	12	innovation	innovation	NOUN
fbem-26274	47	13	models	model	NOUN
fbem-26274	47	14	to	to	PART
fbem-26274	47	15	accelerate	accelerate	VERB
fbem-26274	47	16	the	the	DET
fbem-26274	47	17	process	process	NOUN
fbem-26274	47	18	of	of	ADP
fbem-26274	47	19	digital	digital	ADJ
fbem-26274	47	20	transformation	transformation	NOUN
fbem-26274	47	21	;	;	PUNCT
fbem-26274	47	22	at	at	ADP
fbem-26274	47	23	the	the	DET
fbem-26274	47	24	same	same	ADJ
fbem-26274	47	25	time	time	NOUN
fbem-26274	47	26	,	,	PUNCT
fbem-26274	47	27	it	it	PRON
fbem-26274	47	28	can	can	AUX
fbem-26274	47	29	also	also	ADV
fbem-26274	47	30	use	use	VERB
fbem-26274	47	31	the	the	DET
fbem-26274	47	32	customer	customer	NOUN
fbem-26274	47	33	resources	resource	NOUN
fbem-26274	47	34	and	and	CCONJ
fbem-26274	47	35	channel	channel	NOUN
fbem-26274	47	36	advantages	advantage	NOUN
fbem-26274	47	37	of	of	ADP
fbem-26274	47	38	partners	partner	NOUN
fbem-26274	47	39	to	to	PART
fbem-26274	47	40	expand	expand	VERB
fbem-26274	47	41	market	market	NOUN
fbem-26274	47	42	share	share	NOUN
fbem-26274	47	43	and	and	CCONJ
fbem-26274	47	44	enhance	enhance	VERB
fbem-26274	47	45	brand	brand	NOUN
fbem-26274	47	46	influence	influence	NOUN
fbem-26274	47	47	.	.	PUNCT
fbem-26274	48	1	this	this	DET
fbem-26274	48	2	new	new	ADJ
fbem-26274	48	3	ecology	ecology	NOUN
fbem-26274	48	4	of	of	ADP
fbem-26274	48	5	co	co	NOUN
fbem-26274	48	6	-	-	NOUN
fbem-26274	48	7	existence	existence	NOUN
fbem-26274	48	8	of	of	ADP
fbem-26274	48	9	cooperation	cooperation	NOUN
fbem-26274	48	10	and	and	CCONJ
fbem-26274	48	11	competition	competition	NOUN
fbem-26274	48	12	provides	provide	VERB
fbem-26274	48	13	a	a	DET
fbem-26274	48	14	broader	broad	ADJ
fbem-26274	48	15	development	development	NOUN
fbem-26274	48	16	space	space	NOUN
fbem-26274	48	17	for	for	ADP
fbem-26274	48	18	commercial	commercial	ADJ
fbem-26274	48	19	banks	bank	NOUN
fbem-26274	48	20	.	.	PUNCT
fbem-26274	49	1	3.4	3.4	NUM
fbem-26274	49	2	.	.	PUNCT
fbem-26274	50	1	the	the	DET
fbem-26274	50	2	importance	importance	NOUN
fbem-26274	50	3	of	of	ADP
fbem-26274	50	4	differentiated	differentiated	ADJ
fbem-26274	50	5	competitive	competitive	ADJ
fbem-26274	50	6	strategy	strategy	NOUN
fbem-26274	50	7	in	in	ADP
fbem-26274	50	8	the	the	DET
fbem-26274	50	9	era	era	NOUN
fbem-26274	50	10	of	of	ADP
fbem-26274	50	11	digital	digital	ADJ
fbem-26274	50	12	finance	finance	NOUN
fbem-26274	50	13	,	,	PUNCT
fbem-26274	50	14	commercial	commercial	ADJ
fbem-26274	50	15	banks	bank	NOUN
fbem-26274	50	16	need	need	VERB
fbem-26274	50	17	to	to	PART
fbem-26274	50	18	pay	pay	VERB
fbem-26274	50	19	more	more	ADJ
fbem-26274	50	20	attention	attention	NOUN
fbem-26274	50	21	to	to	ADP
fbem-26274	50	22	the	the	DET
fbem-26274	50	23	formulation	formulation	NOUN
fbem-26274	50	24	and	and	CCONJ
fbem-26274	50	25	implementation	implementation	NOUN
fbem-26274	50	26	of	of	ADP
fbem-26274	50	27	differentiated	differentiated	ADJ
fbem-26274	50	28	competitive	competitive	ADJ
fbem-26274	50	29	strategies	strategy	NOUN
fbem-26274	50	30	.	.	PUNCT
fbem-26274	51	1	through	through	ADP
fbem-26274	51	2	in	in	ADP
fbem-26274	51	3	-	-	PUNCT
fbem-26274	51	4	depth	depth	NOUN
fbem-26274	51	5	understanding	understanding	NOUN
fbem-26274	51	6	of	of	ADP
fbem-26274	51	7	customer	customer	NOUN
fbem-26274	51	8	needs	need	NOUN
fbem-26274	51	9	and	and	CCONJ
fbem-26274	51	10	market	market	NOUN
fbem-26274	51	11	changes	change	NOUN
fbem-26274	51	12	,	,	PUNCT
fbem-26274	51	13	commercial	commercial	ADJ
fbem-26274	51	14	banks	bank	NOUN
fbem-26274	51	15	can	can	AUX
fbem-26274	51	16	launch	launch	VERB
fbem-26274	51	17	innovative	innovative	ADJ
fbem-26274	51	18	and	and	CCONJ
fbem-26274	51	19	competitive	competitive	ADJ
fbem-26274	51	20	financial	financial	ADJ
fbem-26274	51	21	products	product	NOUN
fbem-26274	51	22	and	and	CCONJ
fbem-26274	51	23	services	service	NOUN
fbem-26274	51	24	targeting	target	VERB
fbem-26274	51	25	specific	specific	ADJ
fbem-26274	51	26	customer	customer	NOUN
fbem-26274	51	27	groups	group	NOUN
fbem-26274	51	28	or	or	CCONJ
fbem-26274	51	29	business	business	NOUN
fbem-26274	51	30	areas	area	NOUN
fbem-26274	51	31	.	.	PUNCT
fbem-26274	52	1	these	these	DET
fbem-26274	52	2	differentiated	differentiated	ADJ
fbem-26274	52	3	products	product	NOUN
fbem-26274	52	4	and	and	CCONJ
fbem-26274	52	5	services	service	NOUN
fbem-26274	52	6	help	help	VERB
fbem-26274	52	7	commercial	commercial	ADJ
fbem-26274	52	8	banks	bank	NOUN
fbem-26274	52	9	to	to	PART
fbem-26274	52	10	stand	stand	VERB
fbem-26274	52	11	out	out	ADP
fbem-26274	52	12	in	in	ADP
fbem-26274	52	13	the	the	DET
fbem-26274	52	14	fierce	fierce	ADJ
fbem-26274	52	15	market	market	NOUN
fbem-26274	52	16	competition	competition	NOUN
fbem-26274	52	17	and	and	CCONJ
fbem-26274	52	18	form	form	VERB
fbem-26274	52	19	a	a	DET
fbem-26274	52	20	unique	unique	ADJ
fbem-26274	52	21	competitive	competitive	ADJ
fbem-26274	52	22	advantage	advantage	NOUN
fbem-26274	52	23	.	.	PUNCT
fbem-26274	53	1	3.5	3.5	NUM
fbem-26274	53	2	.	.	PUNCT
fbem-26274	54	1	new	new	ADJ
fbem-26274	54	2	challenges	challenge	NOUN
fbem-26274	54	3	and	and	CCONJ
fbem-26274	54	4	opportunities	opportunity	NOUN
fbem-26274	54	5	for	for	ADP
fbem-26274	54	6	risk	risk	NOUN
fbem-26274	54	7	management	management	NOUN
fbem-26274	54	8	digital	digital	ADJ
fbem-26274	54	9	financial	financial	ADJ
fbem-26274	54	10	technology	technology	NOUN
fbem-26274	54	11	advancements	advancement	NOUN
fbem-26274	54	12	introduce	introduce	VERB
fbem-26274	54	13	both	both	DET
fbem-26274	54	14	novel	novel	ADJ
fbem-26274	54	15	challenges	challenge	NOUN
fbem-26274	54	16	and	and	CCONJ
fbem-26274	54	17	opportunities	opportunity	NOUN
fbem-26274	54	18	to	to	PART
fbem-26274	54	19	risk	risk	VERB
fbem-26274	54	20	management	management	NOUN
fbem-26274	54	21	in	in	ADP
fbem-26274	54	22	commercial	commercial	ADJ
fbem-26274	54	23	banks	bank	NOUN
fbem-26274	54	24	.	.	PUNCT
fbem-26274	55	1	new	new	ADJ
fbem-26274	55	2	technology	technology	NOUN
fbem-26274	55	3	accelerates	accelerate	VERB
fbem-26274	55	4	risk	risk	NOUN
fbem-26274	55	5	propagation	propagation	NOUN
fbem-26274	55	6	,	,	PUNCT
fbem-26274	55	7	necessitating	necessitate	VERB
fbem-26274	55	8	heightened	heighten	VERB
fbem-26274	55	9	risk	risk	NOUN
fbem-26274	55	10	management	management	NOUN
fbem-26274	55	11	prowess	prowess	NOUN
fbem-26274	55	12	.	.	PUNCT
fbem-26274	56	1	yet	yet	ADV
fbem-26274	56	2	,	,	PUNCT
fbem-26274	56	3	it	it	PRON
fbem-26274	56	4	also	also	ADV
fbem-26274	56	5	furnishes	furnish	VERB
fbem-26274	56	6	more	more	ADV
fbem-26274	56	7	precise	precise	ADJ
fbem-26274	56	8	and	and	CCONJ
fbem-26274	56	9	efficient	efficient	ADJ
fbem-26274	56	10	risk	risk	NOUN
fbem-26274	56	11	mitigation	mitigation	NOUN
fbem-26274	56	12	tools	tool	NOUN
fbem-26274	56	13	,	,	PUNCT
fbem-26274	56	14	enhancing	enhance	VERB
fbem-26274	56	15	scientific	scientific	ADJ
fbem-26274	56	16	and	and	CCONJ
fbem-26274	56	17	effective	effective	ADJ
fbem-26274	56	18	risk	risk	NOUN
fbem-26274	56	19	oversight	oversight	NOUN
fbem-26274	56	20	.	.	PUNCT
fbem-26274	57	1	thus	thus	ADV
fbem-26274	57	2	,	,	PUNCT
fbem-26274	57	3	banks	bank	NOUN
fbem-26274	57	4	must	must	AUX
fbem-26274	57	5	continually	continually	ADV
fbem-26274	57	6	bolster	bolster	VERB
fbem-26274	57	7	their	their	PRON
fbem-26274	57	8	risk	risk	NOUN
fbem-26274	57	9	management	management	NOUN
fbem-26274	57	10	capabilities	capability	NOUN
fbem-26274	57	11	and	and	CCONJ
fbem-26274	57	12	refine	refine	VERB
fbem-26274	57	13	their	their	PRON
fbem-26274	57	14	systems	system	NOUN
fbem-26274	57	15	to	to	PART
fbem-26274	57	16	adeptly	adeptly	ADV
fbem-26274	57	17	navigate	navigate	VERB
fbem-26274	57	18	the	the	DET
fbem-26274	57	19	digital	digital	ADJ
fbem-26274	57	20	financial	financial	ADJ
fbem-26274	57	21	landscape	landscape	NOUN
fbem-26274	57	22	's	's	PART
fbem-26274	57	23	evolving	evolve	VERB
fbem-26274	57	24	challenges	challenge	NOUN
fbem-26274	57	25	and	and	CCONJ
fbem-26274	57	26	opportunities	opportunity	NOUN
fbem-26274	57	27	.	.	PUNCT
fbem-26274	58	1	4	4	X
fbem-26274	58	2	.	.	X
fbem-26274	58	3	the	the	DET
fbem-26274	58	4	specific	specific	ADJ
fbem-26274	58	5	impact	impact	NOUN
fbem-26274	58	6	of	of	ADP
fbem-26274	58	7	digital	digital	ADJ
fbem-26274	58	8	financial	financial	ADJ
fbem-26274	58	9	technology	technology	NOUN
fbem-26274	58	10	on	on	ADP
fbem-26274	58	11	the	the	DET
fbem-26274	58	12	business	business	NOUN
fbem-26274	58	13	model	model	NOUN
fbem-26274	58	14	transformation	transformation	NOUN
fbem-26274	58	15	of	of	ADP
fbem-26274	58	16	commercial	commercial	ADJ
fbem-26274	58	17	banks	bank	NOUN
fbem-26274	58	18	the	the	DET
fbem-26274	58	19	swift	swift	ADJ
fbem-26274	58	20	progression	progression	NOUN
fbem-26274	58	21	of	of	ADP
fbem-26274	58	22	digital	digital	ADJ
fbem-26274	58	23	financial	financial	ADJ
fbem-26274	58	24	technology	technology	NOUN
fbem-26274	58	25	has	have	AUX
fbem-26274	58	26	fundamentally	fundamentally	ADV
fbem-26274	58	27	altered	alter	VERB
fbem-26274	58	28	the	the	DET
fbem-26274	58	29	competitive	competitive	ADJ
fbem-26274	58	30	landscape	landscape	NOUN
fbem-26274	58	31	within	within	ADP
fbem-26274	58	32	the	the	DET
fbem-26274	58	33	financial	financial	ADJ
fbem-26274	58	34	industry	industry	NOUN
fbem-26274	58	35	,	,	PUNCT
fbem-26274	58	36	simultaneously	simultaneously	ADV
fbem-26274	58	37	spurring	spur	VERB
fbem-26274	58	38	the	the	DET
fbem-26274	58	39	evolution	evolution	NOUN
fbem-26274	58	40	of	of	ADP
fbem-26274	58	41	commercial	commercial	ADJ
fbem-26274	58	42	banks	bank	NOUN
fbem-26274	58	43	'	'	PART
fbem-26274	58	44	operational	operational	ADJ
fbem-26274	58	45	models	model	NOUN
fbem-26274	58	46	towards	towards	ADP
fbem-26274	58	47	more	more	ADV
fbem-26274	58	48	innovative	innovative	ADJ
fbem-26274	58	49	and	and	CCONJ
fbem-26274	58	50	adaptive	adaptive	ADJ
fbem-26274	58	51	forms	form	NOUN
fbem-26274	58	52	.	.	PUNCT
fbem-26274	59	1	these	these	DET
fbem-26274	59	2	technologies	technology	NOUN
fbem-26274	59	3	provide	provide	VERB
fbem-26274	59	4	commercial	commercial	ADJ
fbem-26274	59	5	banks	bank	NOUN
fbem-26274	59	6	with	with	ADP
fbem-26274	59	7	unprecedented	unprecedented	ADJ
fbem-26274	59	8	innovative	innovative	ADJ
fbem-26274	59	9	tools	tool	NOUN
fbem-26274	59	10	and	and	CCONJ
fbem-26274	59	11	service	service	NOUN
fbem-26274	59	12	means	mean	NOUN
fbem-26274	59	13	,	,	PUNCT
fbem-26274	59	14	enabling	enable	VERB
fbem-26274	59	15	them	they	PRON
fbem-26274	59	16	to	to	AUX
fbem-26274	59	17	more	more	ADV
fbem-26274	59	18	efficiently	efficiently	ADV
fbem-26274	59	19	meet	meet	VERB
fbem-26274	59	20	customer	customer	NOUN
fbem-26274	59	21	needs	need	NOUN
fbem-26274	59	22	,	,	PUNCT
fbem-26274	59	23	optimize	optimize	VERB
fbem-26274	59	24	resource	resource	NOUN
fbem-26274	59	25	allocation	allocation	NOUN
fbem-26274	59	26	,	,	PUNCT
fbem-26274	59	27	and	and	CCONJ
fbem-26274	59	28	improve	improve	VERB
fbem-26274	59	29	operational	operational	ADJ
fbem-26274	59	30	efficiency	efficiency	NOUN
fbem-26274	59	31	.	.	PUNCT
fbem-26274	60	1	4.1	4.1	NUM
fbem-26274	60	2	.	.	PUNCT
fbem-26274	60	3	expansion	expansion	NOUN
fbem-26274	60	4	and	and	CCONJ
fbem-26274	60	5	optimization	optimization	NOUN
fbem-26274	60	6	of	of	ADP
fbem-26274	60	7	financial	financial	ADJ
fbem-26274	60	8	service	service	NOUN
fbem-26274	60	9	channels	channel	NOUN
fbem-26274	60	10	digital	digital	ADJ
fbem-26274	60	11	financial	financial	ADJ
fbem-26274	60	12	technology	technology	NOUN
fbem-26274	60	13	has	have	AUX
fbem-26274	60	14	greatly	greatly	ADV
fbem-26274	60	15	expanded	expand	VERB
fbem-26274	60	16	the	the	DET
fbem-26274	60	17	financial	financial	ADJ
fbem-26274	60	18	service	service	NOUN
fbem-26274	60	19	channels	channel	NOUN
fbem-26274	60	20	of	of	ADP
fbem-26274	60	21	commercial	commercial	ADJ
fbem-26274	60	22	banks	bank	NOUN
fbem-26274	60	23	.	.	PUNCT
fbem-26274	61	1	by	by	ADP
fbem-26274	61	2	building	build	VERB
fbem-26274	61	3	online	online	ADJ
fbem-26274	61	4	service	service	NOUN
fbem-26274	61	5	platforms	platform	NOUN
fbem-26274	61	6	and	and	CCONJ
fbem-26274	61	7	mobile	mobile	ADJ
fbem-26274	61	8	banking	banking	NOUN
fbem-26274	61	9	applications	application	NOUN
fbem-26274	61	10	,	,	PUNCT
fbem-26274	61	11	commercial	commercial	ADJ
fbem-26274	61	12	banks	bank	NOUN
fbem-26274	61	13	can	can	AUX
fbem-26274	61	14	break	break	VERB
fbem-26274	61	15	through	through	ADP
fbem-26274	61	16	the	the	DET
fbem-26274	61	17	limitations	limitation	NOUN
fbem-26274	61	18	of	of	ADP
fbem-26274	61	19	physical	physical	ADJ
fbem-26274	61	20	outlets	outlet	NOUN
fbem-26274	61	21	and	and	CCONJ
fbem-26274	61	22	achieve	achieve	VERB
fbem-26274	61	23	24	24	NUM
fbem-26274	61	24	-	-	PUNCT
fbem-26274	61	25	hour	hour	NOUN
fbem-26274	61	26	uninterrupted	uninterrupted	ADJ
fbem-26274	61	27	customer	customer	NOUN
fbem-26274	61	28	284	284	NUM
fbem-26274	61	29	service	service	NOUN
fbem-26274	61	30	.	.	PUNCT
fbem-26274	62	1	at	at	ADP
fbem-26274	62	2	the	the	DET
fbem-26274	62	3	same	same	ADJ
fbem-26274	62	4	time	time	NOUN
fbem-26274	62	5	,	,	PUNCT
fbem-26274	62	6	these	these	DET
fbem-26274	62	7	platforms	platform	NOUN
fbem-26274	62	8	also	also	ADV
fbem-26274	62	9	integrate	integrate	VERB
fbem-26274	62	10	rich	rich	ADJ
fbem-26274	62	11	financial	financial	ADJ
fbem-26274	62	12	service	service	NOUN
fbem-26274	62	13	functions	function	NOUN
fbem-26274	62	14	,	,	PUNCT
fbem-26274	62	15	such	such	ADJ
fbem-26274	62	16	as	as	ADP
fbem-26274	62	17	account	account	NOUN
fbem-26274	62	18	inquiry	inquiry	NOUN
fbem-26274	62	19	,	,	PUNCT
fbem-26274	62	20	transfer	transfer	NOUN
fbem-26274	62	21	and	and	CCONJ
fbem-26274	62	22	remittance	remittance	NOUN
fbem-26274	62	23	,	,	PUNCT
fbem-26274	62	24	investment	investment	NOUN
fbem-26274	62	25	and	and	CCONJ
fbem-26274	62	26	financing	financing	NOUN
fbem-26274	62	27	,	,	PUNCT
fbem-26274	62	28	loan	loan	NOUN
fbem-26274	62	29	application	application	NOUN
fbem-26274	62	30	,	,	PUNCT
fbem-26274	62	31	etc	etc	X
fbem-26274	62	32	.	.	X
fbem-26274	62	33	,	,	PUNCT
fbem-26274	62	34	so	so	SCONJ
fbem-26274	62	35	that	that	SCONJ
fbem-26274	62	36	customers	customer	NOUN
fbem-26274	62	37	can	can	AUX
fbem-26274	62	38	enjoy	enjoy	VERB
fbem-26274	62	39	convenient	convenient	ADJ
fbem-26274	62	40	financial	financial	ADJ
fbem-26274	62	41	services	service	NOUN
fbem-26274	62	42	anytime	anytime	ADV
fbem-26274	62	43	and	and	CCONJ
fbem-26274	62	44	anywhere	anywhere	ADV
fbem-26274	62	45	.	.	PUNCT
fbem-26274	63	1	in	in	ADP
fbem-26274	63	2	addition	addition	NOUN
fbem-26274	63	3	,	,	PUNCT
fbem-26274	63	4	digital	digital	ADJ
fbem-26274	63	5	financial	financial	ADJ
fbem-26274	63	6	technology	technology	NOUN
fbem-26274	63	7	has	have	AUX
fbem-26274	63	8	also	also	ADV
fbem-26274	63	9	promoted	promote	VERB
fbem-26274	63	10	the	the	DET
fbem-26274	63	11	cooperation	cooperation	NOUN
fbem-26274	63	12	between	between	ADP
fbem-26274	63	13	commercial	commercial	ADJ
fbem-26274	63	14	banks	bank	NOUN
fbem-26274	63	15	and	and	CCONJ
fbem-26274	63	16	third	third	ADJ
fbem-26274	63	17	-	-	PUNCT
fbem-26274	63	18	party	party	NOUN
fbem-26274	63	19	platforms	platform	NOUN
fbem-26274	63	20	,	,	PUNCT
fbem-26274	63	21	further	far	ADV
fbem-26274	63	22	broadening	broaden	VERB
fbem-26274	63	23	the	the	DET
fbem-26274	63	24	service	service	NOUN
fbem-26274	63	25	channels	channel	NOUN
fbem-26274	63	26	and	and	CCONJ
fbem-26274	63	27	scope	scope	NOUN
fbem-26274	63	28	.	.	PUNCT
fbem-26274	64	1	4.2	4.2	NUM
fbem-26274	64	2	.	.	PUNCT
fbem-26274	64	3	product	product	NOUN
fbem-26274	64	4	and	and	CCONJ
fbem-26274	64	5	service	service	NOUN
fbem-26274	64	6	innovation	innovation	NOUN
fbem-26274	64	7	driven	drive	VERB
fbem-26274	64	8	by	by	ADP
fbem-26274	64	9	digital	digital	ADJ
fbem-26274	64	10	financial	financial	ADJ
fbem-26274	64	11	technology	technology	NOUN
fbem-26274	64	12	,	,	PUNCT
fbem-26274	64	13	the	the	DET
fbem-26274	64	14	products	product	NOUN
fbem-26274	64	15	and	and	CCONJ
fbem-26274	64	16	services	service	NOUN
fbem-26274	64	17	of	of	ADP
fbem-26274	64	18	commercial	commercial	ADJ
fbem-26274	64	19	banks	bank	NOUN
fbem-26274	64	20	continue	continue	VERB
fbem-26274	64	21	to	to	PART
fbem-26274	64	22	innovate	innovate	VERB
fbem-26274	64	23	.	.	PUNCT
fbem-26274	65	1	commercial	commercial	ADJ
fbem-26274	65	2	banks	bank	NOUN
fbem-26274	65	3	harness	harnes	VERB
fbem-26274	65	4	big	big	ADJ
fbem-26274	65	5	data	datum	NOUN
fbem-26274	65	6	to	to	PART
fbem-26274	65	7	analyze	analyze	VERB
fbem-26274	65	8	customer	customer	NOUN
fbem-26274	65	9	behaviors	behavior	NOUN
fbem-26274	65	10	and	and	CCONJ
fbem-26274	65	11	preferences	preference	NOUN
fbem-26274	65	12	,	,	PUNCT
fbem-26274	65	13	enabling	enable	VERB
fbem-26274	65	14	precise	precise	ADJ
fbem-26274	65	15	personalization	personalization	NOUN
fbem-26274	65	16	of	of	ADP
fbem-26274	65	17	financial	financial	ADJ
fbem-26274	65	18	offerings	offering	NOUN
fbem-26274	65	19	.	.	PUNCT
fbem-26274	66	1	ai	ai	AUX
fbem-26274	66	2	-	-	PUNCT
fbem-26274	66	3	driven	drive	VERB
fbem-26274	66	4	intelligent	intelligent	ADJ
fbem-26274	66	5	advisory	advisory	ADJ
fbem-26274	66	6	systems	system	NOUN
fbem-26274	66	7	offer	offer	VERB
fbem-26274	66	8	tailored	tailor	VERB
fbem-26274	66	9	investment	investment	NOUN
fbem-26274	66	10	advice	advice	NOUN
fbem-26274	66	11	based	base	VERB
fbem-26274	66	12	on	on	ADP
fbem-26274	66	13	individual	individual	ADJ
fbem-26274	66	14	risk	risk	NOUN
fbem-26274	66	15	appetites	appetite	NOUN
fbem-26274	66	16	and	and	CCONJ
fbem-26274	66	17	goals	goal	NOUN
fbem-26274	66	18	,	,	PUNCT
fbem-26274	66	19	while	while	SCONJ
fbem-26274	66	20	blockchain	blockchain	PROPN
fbem-26274	66	21	streamlines	streamlines	NOUN
fbem-26274	66	22	crossborder	crossborder	NOUN
fbem-26274	66	23	payments	payment	NOUN
fbem-26274	66	24	and	and	CCONJ
fbem-26274	66	25	enhances	enhance	VERB
fbem-26274	66	26	transaction	transaction	NOUN
fbem-26274	66	27	visibility	visibility	NOUN
fbem-26274	66	28	.	.	PUNCT
fbem-26274	67	1	these	these	DET
fbem-26274	67	2	innovations	innovation	NOUN
fbem-26274	67	3	elevate	elevate	VERB
fbem-26274	67	4	customer	customer	NOUN
fbem-26274	67	5	satisfaction	satisfaction	NOUN
fbem-26274	67	6	and	and	CCONJ
fbem-26274	67	7	bolster	bolster	VERB
fbem-26274	67	8	banks	bank	NOUN
fbem-26274	67	9	'	'	PART
fbem-26274	67	10	market	market	NOUN
fbem-26274	67	11	competitiveness	competitiveness	NOUN
fbem-26274	67	12	.	.	PUNCT
fbem-26274	68	1	4.3	4.3	NUM
fbem-26274	68	2	.	.	PUNCT
fbem-26274	68	3	innovation	innovation	NOUN
fbem-26274	68	4	of	of	ADP
fbem-26274	68	5	risk	risk	NOUN
fbem-26274	68	6	management	management	NOUN
fbem-26274	68	7	model	model	NOUN
fbem-26274	68	8	digital	digital	PROPN
fbem-26274	68	9	financial	financial	ADJ
fbem-26274	68	10	technology	technology	NOUN
fbem-26274	68	11	has	have	AUX
fbem-26274	68	12	revolutionized	revolutionize	VERB
fbem-26274	68	13	risk	risk	NOUN
fbem-26274	68	14	management	management	NOUN
fbem-26274	68	15	in	in	ADP
fbem-26274	68	16	commercial	commercial	ADJ
fbem-26274	68	17	banks	bank	NOUN
fbem-26274	68	18	,	,	PUNCT
fbem-26274	68	19	shifting	shift	VERB
fbem-26274	68	20	from	from	ADP
fbem-26274	68	21	manual	manual	ADJ
fbem-26274	68	22	audits	audit	NOUN
fbem-26274	68	23	and	and	CCONJ
fbem-26274	68	24	heuristics	heuristic	NOUN
fbem-26274	68	25	to	to	ADP
fbem-26274	68	26	precise	precise	ADJ
fbem-26274	68	27	,	,	PUNCT
fbem-26274	68	28	efficient	efficient	ADJ
fbem-26274	68	29	tools	tool	NOUN
fbem-26274	68	30	.	.	PUNCT
fbem-26274	69	1	big	big	ADJ
fbem-26274	69	2	data	datum	NOUN
fbem-26274	69	3	and	and	CCONJ
fbem-26274	69	4	ai	ai	AUX
fbem-26274	69	5	enable	enable	ADJ
fbem-26274	69	6	real	real	ADJ
fbem-26274	69	7	-	-	PUNCT
fbem-26274	69	8	time	time	NOUN
fbem-26274	69	9	monitoring	monitoring	NOUN
fbem-26274	69	10	of	of	ADP
fbem-26274	69	11	customer	customer	NOUN
fbem-26274	69	12	behavior	behavior	NOUN
fbem-26274	69	13	and	and	CCONJ
fbem-26274	69	14	credit	credit	NOUN
fbem-26274	69	15	data	datum	NOUN
fbem-26274	69	16	,	,	PUNCT
fbem-26274	69	17	detecting	detect	VERB
fbem-26274	69	18	risks	risk	NOUN
fbem-26274	69	19	promptly	promptly	ADV
fbem-26274	69	20	and	and	CCONJ
fbem-26274	69	21	implementing	implement	VERB
fbem-26274	69	22	preventive	preventive	ADJ
fbem-26274	69	23	measures	measure	NOUN
fbem-26274	69	24	.	.	PUNCT
fbem-26274	70	1	blockchain	blockchain	PROPN
fbem-26274	70	2	,	,	PUNCT
fbem-26274	70	3	with	with	ADP
fbem-26274	70	4	its	its	PRON
fbem-26274	70	5	decentralization	decentralization	NOUN
fbem-26274	70	6	and	and	CCONJ
fbem-26274	70	7	immutability	immutability	NOUN
fbem-26274	70	8	,	,	PUNCT
fbem-26274	70	9	bolsters	bolster	VERB
fbem-26274	70	10	risk	risk	NOUN
fbem-26274	70	11	management	management	NOUN
fbem-26274	70	12	in	in	ADP
fbem-26274	70	13	supply	supply	NOUN
fbem-26274	70	14	chain	chain	NOUN
fbem-26274	70	15	finance	finance	NOUN
fbem-26274	70	16	.	.	PUNCT
fbem-26274	71	1	these	these	DET
fbem-26274	71	2	advancements	advancement	NOUN
fbem-26274	71	3	enhance	enhance	VERB
fbem-26274	71	4	risk	risk	NOUN
fbem-26274	71	5	management	management	NOUN
fbem-26274	71	6	's	's	PART
fbem-26274	71	7	efficiency	efficiency	NOUN
fbem-26274	71	8	,	,	PUNCT
fbem-26274	71	9	accuracy	accuracy	NOUN
fbem-26274	71	10	,	,	PUNCT
fbem-26274	71	11	and	and	CCONJ
fbem-26274	71	12	cost	cost	NOUN
fbem-26274	71	13	-	-	PUNCT
fbem-26274	71	14	effectiveness	effectiveness	NOUN
fbem-26274	71	15	,	,	PUNCT
fbem-26274	71	16	minimizing	minimize	VERB
fbem-26274	71	17	operational	operational	ADJ
fbem-26274	71	18	losses	loss	NOUN
fbem-26274	71	19	.	.	PUNCT
fbem-26274	72	1	4.4	4.4	NUM
fbem-26274	72	2	.	.	PUNCT
fbem-26274	72	3	improvement	improvement	NOUN
fbem-26274	72	4	of	of	ADP
fbem-26274	72	5	operating	operate	VERB
fbem-26274	72	6	efficiency	efficiency	NOUN
fbem-26274	72	7	the	the	DET
fbem-26274	72	8	application	application	NOUN
fbem-26274	72	9	of	of	ADP
fbem-26274	72	10	digital	digital	ADJ
fbem-26274	72	11	financial	financial	ADJ
fbem-26274	72	12	technology	technology	NOUN
fbem-26274	72	13	has	have	AUX
fbem-26274	72	14	also	also	ADV
fbem-26274	72	15	significantly	significantly	ADV
fbem-26274	72	16	improved	improve	VERB
fbem-26274	72	17	the	the	DET
fbem-26274	72	18	operational	operational	ADJ
fbem-26274	72	19	efficiency	efficiency	NOUN
fbem-26274	72	20	of	of	ADP
fbem-26274	72	21	commercial	commercial	ADJ
fbem-26274	72	22	banks	bank	NOUN
fbem-26274	72	23	.	.	PUNCT
fbem-26274	73	1	by	by	ADP
fbem-26274	73	2	automating	automate	VERB
fbem-26274	73	3	business	business	NOUN
fbem-26274	73	4	processes	process	NOUN
fbem-26274	73	5	,	,	PUNCT
fbem-26274	73	6	optimizing	optimize	VERB
fbem-26274	73	7	resource	resource	NOUN
fbem-26274	73	8	allocation	allocation	NOUN
fbem-26274	73	9	,	,	PUNCT
fbem-26274	73	10	and	and	CCONJ
fbem-26274	73	11	reducing	reduce	VERB
fbem-26274	73	12	labor	labor	NOUN
fbem-26274	73	13	costs	cost	NOUN
fbem-26274	73	14	,	,	PUNCT
fbem-26274	73	15	commercial	commercial	ADJ
fbem-26274	73	16	banks	bank	NOUN
fbem-26274	73	17	can	can	AUX
fbem-26274	73	18	reduce	reduce	VERB
fbem-26274	73	19	operating	operating	NOUN
fbem-26274	73	20	costs	cost	NOUN
fbem-26274	73	21	and	and	CCONJ
fbem-26274	73	22	improve	improve	VERB
fbem-26274	73	23	profitability	profitability	NOUN
fbem-26274	73	24	.	.	PUNCT
fbem-26274	74	1	for	for	ADP
fbem-26274	74	2	example	example	NOUN
fbem-26274	74	3	,	,	PUNCT
fbem-26274	74	4	the	the	DET
fbem-26274	74	5	intelligent	intelligent	ADJ
fbem-26274	74	6	customer	customer	NOUN
fbem-26274	74	7	service	service	NOUN
fbem-26274	74	8	system	system	NOUN
fbem-26274	74	9	can	can	AUX
fbem-26274	74	10	automatically	automatically	ADV
fbem-26274	74	11	answer	answer	VERB
fbem-26274	74	12	customer	customer	NOUN
fbem-26274	74	13	inquiries	inquiry	NOUN
fbem-26274	74	14	,	,	PUNCT
fbem-26274	74	15	deal	deal	VERB
fbem-26274	74	16	with	with	ADP
fbem-26274	74	17	common	common	ADJ
fbem-26274	74	18	problems	problem	NOUN
fbem-26274	74	19	and	and	CCONJ
fbem-26274	74	20	other	other	ADJ
fbem-26274	74	21	tasks	task	NOUN
fbem-26274	74	22	,	,	PUNCT
fbem-26274	74	23	reduce	reduce	VERB
fbem-26274	74	24	the	the	DET
fbem-26274	74	25	burden	burden	NOUN
fbem-26274	74	26	of	of	ADP
fbem-26274	74	27	manual	manual	ADJ
fbem-26274	74	28	customer	customer	NOUN
fbem-26274	74	29	service	service	NOUN
fbem-26274	74	30	and	and	CCONJ
fbem-26274	74	31	improve	improve	VERB
fbem-26274	74	32	work	work	NOUN
fbem-26274	74	33	efficiency	efficiency	NOUN
fbem-26274	74	34	;	;	PUNCT
fbem-26274	74	35	cloud	cloud	NOUN
fbem-26274	74	36	computing	computing	NOUN
fbem-26274	74	37	technology	technology	NOUN
fbem-26274	74	38	supports	support	VERB
fbem-26274	74	39	commercial	commercial	ADJ
fbem-26274	74	40	banks	bank	NOUN
fbem-26274	74	41	to	to	PART
fbem-26274	74	42	rapidly	rapidly	ADV
fbem-26274	74	43	deploy	deploy	VERB
fbem-26274	74	44	new	new	ADJ
fbem-26274	74	45	business	business	NOUN
fbem-26274	74	46	systems	system	NOUN
fbem-26274	74	47	and	and	CCONJ
fbem-26274	74	48	improve	improve	VERB
fbem-26274	74	49	the	the	DET
fbem-26274	74	50	scalability	scalability	NOUN
fbem-26274	74	51	and	and	CCONJ
fbem-26274	74	52	flexibility	flexibility	NOUN
fbem-26274	74	53	of	of	ADP
fbem-26274	74	54	the	the	DET
fbem-26274	74	55	system	system	NOUN
fbem-26274	74	56	.	.	PUNCT
fbem-26274	75	1	the	the	DET
fbem-26274	75	2	application	application	NOUN
fbem-26274	75	3	of	of	ADP
fbem-26274	75	4	these	these	DET
fbem-26274	75	5	technologies	technology	NOUN
fbem-26274	75	6	enables	enable	VERB
fbem-26274	75	7	commercial	commercial	ADJ
fbem-26274	75	8	banks	bank	NOUN
fbem-26274	75	9	to	to	PART
fbem-26274	75	10	respond	respond	VERB
fbem-26274	75	11	more	more	ADV
fbem-26274	75	12	flexibly	flexibly	ADV
fbem-26274	75	13	to	to	ADP
fbem-26274	75	14	changes	change	NOUN
fbem-26274	75	15	in	in	ADP
fbem-26274	75	16	the	the	DET
fbem-26274	75	17	market	market	NOUN
fbem-26274	75	18	and	and	CCONJ
fbem-26274	75	19	customer	customer	NOUN
fbem-26274	75	20	needs	need	NOUN
fbem-26274	75	21	.	.	PUNCT
fbem-26274	76	1	4.5	4.5	NUM
fbem-26274	76	2	.	.	PUNCT
fbem-26274	77	1	improvement	improvement	NOUN
fbem-26274	77	2	of	of	ADP
fbem-26274	77	3	customer	customer	NOUN
fbem-26274	77	4	experience	experience	NOUN
fbem-26274	77	5	digital	digital	ADJ
fbem-26274	77	6	financial	financial	ADJ
fbem-26274	77	7	technology	technology	NOUN
fbem-26274	77	8	plays	play	VERB
fbem-26274	77	9	a	a	DET
fbem-26274	77	10	crucial	crucial	ADJ
fbem-26274	77	11	role	role	NOUN
fbem-26274	77	12	in	in	ADP
fbem-26274	77	13	enhancing	enhance	VERB
fbem-26274	77	14	the	the	DET
fbem-26274	77	15	customer	customer	NOUN
fbem-26274	77	16	experience	experience	NOUN
fbem-26274	77	17	.	.	PUNCT
fbem-26274	78	1	by	by	ADP
fbem-26274	78	2	providing	provide	VERB
fbem-26274	78	3	a	a	DET
fbem-26274	78	4	more	more	ADV
fbem-26274	78	5	convenient	convenient	ADJ
fbem-26274	78	6	,	,	PUNCT
fbem-26274	78	7	personalized	personalized	ADJ
fbem-26274	78	8	and	and	CCONJ
fbem-26274	78	9	intelligent	intelligent	ADJ
fbem-26274	78	10	financial	financial	ADJ
fbem-26274	78	11	service	service	NOUN
fbem-26274	78	12	experience	experience	NOUN
fbem-26274	78	13	,	,	PUNCT
fbem-26274	78	14	commercial	commercial	ADJ
fbem-26274	78	15	banks	bank	NOUN
fbem-26274	78	16	can	can	AUX
fbem-26274	78	17	enhance	enhance	VERB
fbem-26274	78	18	customer	customer	NOUN
fbem-26274	78	19	loyalty	loyalty	NOUN
fbem-26274	78	20	and	and	CCONJ
fbem-26274	78	21	expand	expand	VERB
fbem-26274	78	22	new	new	ADJ
fbem-26274	78	23	customer	customer	NOUN
fbem-26274	78	24	groups	group	NOUN
fbem-26274	78	25	.	.	PUNCT
fbem-26274	79	1	for	for	ADP
fbem-26274	79	2	example	example	NOUN
fbem-26274	79	3	,	,	PUNCT
fbem-26274	79	4	mobile	mobile	ADJ
fbem-26274	79	5	banking	banking	NOUN
fbem-26274	79	6	applications	application	NOUN
fbem-26274	79	7	support	support	VERB
fbem-26274	79	8	customers	customer	NOUN
fbem-26274	79	9	to	to	PART
fbem-26274	79	10	view	view	VERB
fbem-26274	79	11	account	account	NOUN
fbem-26274	79	12	information	information	NOUN
fbem-26274	79	13	,	,	PUNCT
fbem-26274	79	14	transfer	transfer	VERB
fbem-26274	79	15	money	money	NOUN
fbem-26274	79	16	and	and	CCONJ
fbem-26274	79	17	other	other	ADJ
fbem-26274	79	18	operations	operation	NOUN
fbem-26274	79	19	anytime	anytime	ADV
fbem-26274	79	20	and	and	CCONJ
fbem-26274	79	21	anywhere	anywhere	ADV
fbem-26274	79	22	;	;	PUNCT
fbem-26274	79	23	the	the	DET
fbem-26274	79	24	intelligent	intelligent	ADJ
fbem-26274	79	25	investment	investment	NOUN
fbem-26274	79	26	advisory	advisory	NOUN
fbem-26274	79	27	system	system	NOUN
fbem-26274	79	28	can	can	AUX
fbem-26274	79	29	provide	provide	VERB
fbem-26274	79	30	personalized	personalized	ADJ
fbem-26274	79	31	investment	investment	NOUN
fbem-26274	79	32	advice	advice	NOUN
fbem-26274	79	33	based	base	VERB
fbem-26274	79	34	on	on	ADP
fbem-26274	79	35	the	the	DET
fbem-26274	79	36	client	client	NOUN
fbem-26274	79	37	's	's	PART
fbem-26274	79	38	investment	investment	NOUN
fbem-26274	79	39	objectives	objective	NOUN
fbem-26274	79	40	and	and	CCONJ
fbem-26274	79	41	risk	risk	NOUN
fbem-26274	79	42	appetite	appetite	NOUN
fbem-26274	79	43	.	.	PUNCT
fbem-26274	80	1	these	these	DET
fbem-26274	80	2	innovative	innovative	ADJ
fbem-26274	80	3	services	service	NOUN
fbem-26274	80	4	not	not	PART
fbem-26274	80	5	only	only	ADV
fbem-26274	80	6	improve	improve	VERB
fbem-26274	80	7	customer	customer	NOUN
fbem-26274	80	8	satisfaction	satisfaction	NOUN
fbem-26274	80	9	and	and	CCONJ
fbem-26274	80	10	loyalty	loyalty	NOUN
fbem-26274	80	11	,	,	PUNCT
fbem-26274	80	12	but	but	CCONJ
fbem-26274	80	13	also	also	ADV
fbem-26274	80	14	bring	bring	VERB
fbem-26274	80	15	more	more	ADJ
fbem-26274	80	16	business	business	NOUN
fbem-26274	80	17	opportunities	opportunity	NOUN
fbem-26274	80	18	and	and	CCONJ
fbem-26274	80	19	revenue	revenue	NOUN
fbem-26274	80	20	sources	source	NOUN
fbem-26274	80	21	for	for	ADP
fbem-26274	80	22	commercial	commercial	ADJ
fbem-26274	80	23	banks	bank	NOUN
fbem-26274	80	24	.	.	PUNCT
fbem-26274	81	1	5	5	X
fbem-26274	81	2	.	.	X
fbem-26274	81	3	the	the	DET
fbem-26274	81	4	coping	cope	VERB
fbem-26274	81	5	strategies	strategy	NOUN
fbem-26274	81	6	of	of	ADP
fbem-26274	81	7	business	business	NOUN
fbem-26274	81	8	model	model	NOUN
fbem-26274	81	9	transformation	transformation	NOUN
fbem-26274	81	10	of	of	ADP
fbem-26274	81	11	commercial	commercial	ADJ
fbem-26274	81	12	banks	bank	NOUN
fbem-26274	81	13	faced	face	VERB
fbem-26274	81	14	with	with	ADP
fbem-26274	81	15	the	the	DET
fbem-26274	81	16	profound	profound	ADJ
fbem-26274	81	17	changes	change	NOUN
fbem-26274	81	18	brought	bring	VERB
fbem-26274	81	19	by	by	ADP
fbem-26274	81	20	digital	digital	ADJ
fbem-26274	81	21	financial	financial	ADJ
fbem-26274	81	22	technology	technology	NOUN
fbem-26274	81	23	,	,	PUNCT
fbem-26274	81	24	commercial	commercial	ADJ
fbem-26274	81	25	banks	bank	NOUN
fbem-26274	81	26	need	need	VERB
fbem-26274	81	27	to	to	PART
fbem-26274	81	28	adopt	adopt	VERB
fbem-26274	81	29	a	a	DET
fbem-26274	81	30	series	series	NOUN
fbem-26274	81	31	of	of	ADP
fbem-26274	81	32	comprehensive	comprehensive	ADJ
fbem-26274	81	33	coping	cope	VERB
fbem-26274	81	34	strategies	strategy	NOUN
fbem-26274	81	35	in	in	ADP
fbem-26274	81	36	the	the	DET
fbem-26274	81	37	process	process	NOUN
fbem-26274	81	38	of	of	ADP
fbem-26274	81	39	business	business	NOUN
fbem-26274	81	40	model	model	NOUN
fbem-26274	81	41	transformation	transformation	NOUN
fbem-26274	81	42	to	to	PART
fbem-26274	81	43	ensure	ensure	VERB
fbem-26274	81	44	that	that	SCONJ
fbem-26274	81	45	they	they	PRON
fbem-26274	81	46	can	can	AUX
fbem-26274	81	47	adapt	adapt	VERB
fbem-26274	81	48	to	to	ADP
fbem-26274	81	49	the	the	DET
fbem-26274	81	50	new	new	ADJ
fbem-26274	81	51	market	market	NOUN
fbem-26274	81	52	environment	environment	NOUN
fbem-26274	81	53	smoothly	smoothly	ADV
fbem-26274	81	54	and	and	CCONJ
fbem-26274	81	55	maintain	maintain	VERB
fbem-26274	81	56	competitiveness	competitiveness	NOUN
fbem-26274	81	57	.	.	PUNCT
fbem-26274	82	1	these	these	DET
fbem-26274	82	2	strategies	strategy	NOUN
fbem-26274	82	3	not	not	PART
fbem-26274	82	4	only	only	ADV
fbem-26274	82	5	involve	involve	VERB
fbem-26274	82	6	investment	investment	NOUN
fbem-26274	82	7	and	and	CCONJ
fbem-26274	82	8	innovation	innovation	NOUN
fbem-26274	82	9	at	at	ADP
fbem-26274	82	10	the	the	DET
fbem-26274	82	11	technical	technical	ADJ
fbem-26274	82	12	level	level	NOUN
fbem-26274	82	13	,	,	PUNCT
fbem-26274	82	14	but	but	CCONJ
fbem-26274	82	15	also	also	ADV
fbem-26274	82	16	cover	cover	VERB
fbem-26274	82	17	the	the	DET
fbem-26274	82	18	adjustment	adjustment	NOUN
fbem-26274	82	19	and	and	CCONJ
fbem-26274	82	20	optimization	optimization	NOUN
fbem-26274	82	21	of	of	ADP
fbem-26274	82	22	organizational	organizational	ADJ
fbem-26274	82	23	structure	structure	NOUN
fbem-26274	82	24	,	,	PUNCT
fbem-26274	82	25	process	process	NOUN
fbem-26274	82	26	management	management	NOUN
fbem-26274	82	27	,	,	PUNCT
fbem-26274	82	28	talent	talent	NOUN
fbem-26274	82	29	training	training	NOUN
fbem-26274	82	30	and	and	CCONJ
fbem-26274	82	31	other	other	ADJ
fbem-26274	82	32	dimensions	dimension	NOUN
fbem-26274	82	33	.	.	PUNCT
fbem-26274	83	1	to	to	PART
fbem-26274	83	2	advance	advance	VERB
fbem-26274	83	3	their	their	PRON
fbem-26274	83	4	technological	technological	ADJ
fbem-26274	83	5	prowess	prowess	NOUN
fbem-26274	83	6	,	,	PUNCT
fbem-26274	83	7	commercial	commercial	ADJ
fbem-26274	83	8	banks	bank	NOUN
fbem-26274	83	9	ought	ought	AUX
fbem-26274	83	10	to	to	PART
fbem-26274	83	11	amplify	amplify	VERB
fbem-26274	83	12	investments	investment	NOUN
fbem-26274	83	13	in	in	ADP
fbem-26274	83	14	digital	digital	ADJ
fbem-26274	83	15	financial	financial	ADJ
fbem-26274	83	16	technology	technology	PROPN
fbem-26274	83	17	r&d	r&d	NOUN
fbem-26274	83	18	,	,	PUNCT
fbem-26274	83	19	embracing	embrace	VERB
fbem-26274	83	20	leading	leading	ADJ
fbem-26274	83	21	-	-	PUNCT
fbem-26274	83	22	edge	edge	NOUN
fbem-26274	83	23	innovations	innovation	NOUN
fbem-26274	83	24	like	like	ADP
fbem-26274	83	25	big	big	ADJ
fbem-26274	83	26	data	datum	NOUN
fbem-26274	83	27	,	,	PUNCT
fbem-26274	83	28	cloud	cloud	NOUN
fbem-26274	83	29	computing	computing	NOUN
fbem-26274	83	30	,	,	PUNCT
fbem-26274	83	31	ai	ai	VERB
fbem-26274	83	32	,	,	PUNCT
fbem-26274	83	33	and	and	CCONJ
fbem-26274	83	34	blockchain	blockchain	PROPN
fbem-26274	83	35	.	.	PUNCT
fbem-26274	84	1	this	this	DET
fbem-26274	84	2	drive	drive	NOUN
fbem-26274	84	3	fosters	foster	VERB
fbem-26274	84	4	intelligence	intelligence	NOUN
fbem-26274	84	5	,	,	PUNCT
fbem-26274	84	6	personalization	personalization	NOUN
fbem-26274	84	7	,	,	PUNCT
fbem-26274	84	8	and	and	CCONJ
fbem-26274	84	9	ease	ease	NOUN
fbem-26274	84	10	-	-	PUNCT
fbem-26274	84	11	of	of	ADP
fbem-26274	84	12	-	-	PUNCT
fbem-26274	84	13	use	use	NOUN
fbem-26274	84	14	in	in	ADP
fbem-26274	84	15	financial	financial	ADJ
fbem-26274	84	16	services	service	NOUN
fbem-26274	84	17	,	,	PUNCT
fbem-26274	84	18	enhancing	enhance	VERB
fbem-26274	84	19	the	the	DET
fbem-26274	84	20	overall	overall	ADJ
fbem-26274	84	21	customer	customer	NOUN
fbem-26274	84	22	experience	experience	NOUN
fbem-26274	84	23	.	.	PUNCT
fbem-26274	85	1	by	by	ADP
fbem-26274	85	2	building	build	VERB
fbem-26274	85	3	strong	strong	ADJ
fbem-26274	85	4	data	datum	NOUN
fbem-26274	85	5	analysis	analysis	NOUN
fbem-26274	85	6	and	and	CCONJ
fbem-26274	85	7	processing	processing	NOUN
fbem-26274	85	8	capabilities	capability	NOUN
fbem-26274	85	9	,	,	PUNCT
fbem-26274	85	10	banks	bank	NOUN
fbem-26274	85	11	can	can	AUX
fbem-26274	85	12	more	more	ADV
fbem-26274	85	13	accurately	accurately	ADV
fbem-26274	85	14	understand	understand	VERB
fbem-26274	85	15	customer	customer	NOUN
fbem-26274	85	16	needs	need	NOUN
fbem-26274	85	17	,	,	PUNCT
fbem-26274	85	18	innovate	innovate	VERB
fbem-26274	85	19	financial	financial	ADJ
fbem-26274	85	20	products	product	NOUN
fbem-26274	85	21	and	and	CCONJ
fbem-26274	85	22	services	service	NOUN
fbem-26274	85	23	,	,	PUNCT
fbem-26274	85	24	and	and	CCONJ
fbem-26274	85	25	enhance	enhance	VERB
fbem-26274	85	26	customer	customer	NOUN
fbem-26274	85	27	experience	experience	NOUN
fbem-26274	85	28	.	.	PUNCT
fbem-26274	86	1	at	at	ADP
fbem-26274	86	2	the	the	DET
fbem-26274	86	3	same	same	ADJ
fbem-26274	86	4	time	time	NOUN
fbem-26274	86	5	,	,	PUNCT
fbem-26274	86	6	the	the	DET
fbem-26274	86	7	decentralization	decentralization	NOUN
fbem-26274	86	8	,	,	PUNCT
fbem-26274	86	9	transparency	transparency	NOUN
fbem-26274	86	10	and	and	CCONJ
fbem-26274	86	11	immutability	immutability	NOUN
fbem-26274	86	12	of	of	ADP
fbem-26274	86	13	blockchain	blockchain	PROPN
fbem-26274	86	14	technology	technology	PROPN
fbem-26274	86	15	can	can	AUX
fbem-26274	86	16	optimize	optimize	VERB
fbem-26274	86	17	business	business	NOUN
fbem-26274	86	18	processes	process	NOUN
fbem-26274	86	19	such	such	ADJ
fbem-26274	86	20	as	as	ADP
fbem-26274	86	21	cross	cross	ADJ
fbem-26274	86	22	-	-	ADJ
fbem-26274	86	23	border	border	ADJ
fbem-26274	86	24	payment	payment	NOUN
fbem-26274	86	25	and	and	CCONJ
fbem-26274	86	26	supply	supply	NOUN
fbem-26274	86	27	chain	chain	NOUN
fbem-26274	86	28	finance	finance	NOUN
fbem-26274	86	29	,	,	PUNCT
fbem-26274	86	30	reduce	reduce	VERB
fbem-26274	86	31	operational	operational	ADJ
fbem-26274	86	32	risks	risk	NOUN
fbem-26274	86	33	,	,	PUNCT
fbem-26274	86	34	and	and	CCONJ
fbem-26274	86	35	improve	improve	VERB
fbem-26274	86	36	transaction	transaction	NOUN
fbem-26274	86	37	efficiency	efficiency	NOUN
fbem-26274	86	38	.	.	PUNCT
fbem-26274	87	1	in	in	ADP
fbem-26274	87	2	terms	term	NOUN
fbem-26274	87	3	of	of	ADP
fbem-26274	87	4	organizational	organizational	ADJ
fbem-26274	87	5	structure	structure	NOUN
fbem-26274	87	6	,	,	PUNCT
fbem-26274	87	7	commercial	commercial	ADJ
fbem-26274	87	8	banks	bank	NOUN
fbem-26274	87	9	need	need	VERB
fbem-26274	87	10	to	to	PART
fbem-26274	87	11	break	break	VERB
fbem-26274	87	12	the	the	DET
fbem-26274	87	13	traditional	traditional	ADJ
fbem-26274	87	14	departmental	departmental	ADJ
fbem-26274	87	15	barriers	barrier	NOUN
fbem-26274	87	16	,	,	PUNCT
fbem-26274	87	17	establish	establish	VERB
fbem-26274	87	18	cross	cross	ADJ
fbem-26274	87	19	-	-	ADJ
fbem-26274	87	20	departmental	departmental	ADJ
fbem-26274	87	21	cooperation	cooperation	NOUN
fbem-26274	87	22	mechanisms	mechanism	NOUN
fbem-26274	87	23	,	,	PUNCT
fbem-26274	87	24	and	and	CCONJ
fbem-26274	87	25	form	form	VERB
fbem-26274	87	26	a	a	DET
fbem-26274	87	27	customer	customer	NOUN
fbem-26274	87	28	-	-	PUNCT
fbem-26274	87	29	centric	centric	ADJ
fbem-26274	87	30	and	and	CCONJ
fbem-26274	87	31	data	data	NOUN
fbem-26274	87	32	-	-	PUNCT
fbem-26274	87	33	driven	drive	VERB
fbem-26274	87	34	organizational	organizational	ADJ
fbem-26274	87	35	system	system	NOUN
fbem-26274	87	36	.	.	PUNCT
fbem-26274	88	1	through	through	ADP
fbem-26274	88	2	the	the	DET
fbem-26274	88	3	establishment	establishment	NOUN
fbem-26274	88	4	of	of	ADP
fbem-26274	88	5	specialized	specialized	ADJ
fbem-26274	88	6	institutions	institution	NOUN
fbem-26274	88	7	such	such	ADJ
fbem-26274	88	8	as	as	ADP
fbem-26274	88	9	financial	financial	ADJ
fbem-26274	88	10	technology	technology	NOUN
fbem-26274	88	11	departments	department	NOUN
fbem-26274	88	12	or	or	CCONJ
fbem-26274	88	13	innovation	innovation	NOUN
fbem-26274	88	14	labs	lab	NOUN
fbem-26274	88	15	,	,	PUNCT
fbem-26274	88	16	responsible	responsible	ADJ
fbem-26274	88	17	for	for	ADP
fbem-26274	88	18	the	the	DET
fbem-26274	88	19	research	research	NOUN
fbem-26274	88	20	and	and	CCONJ
fbem-26274	88	21	development	development	NOUN
fbem-26274	88	22	and	and	CCONJ
fbem-26274	88	23	application	application	NOUN
fbem-26274	88	24	of	of	ADP
fbem-26274	88	25	new	new	ADJ
fbem-26274	88	26	technologies	technology	NOUN
fbem-26274	88	27	,	,	PUNCT
fbem-26274	88	28	and	and	CCONJ
fbem-26274	88	29	promote	promote	VERB
fbem-26274	88	30	the	the	DET
fbem-26274	88	31	rapid	rapid	ADJ
fbem-26274	88	32	iteration	iteration	NOUN
fbem-26274	88	33	and	and	CCONJ
fbem-26274	88	34	upgrading	upgrading	NOUN
fbem-26274	88	35	of	of	ADP
fbem-26274	88	36	business	business	NOUN
fbem-26274	88	37	models	model	NOUN
fbem-26274	88	38	.	.	PUNCT
fbem-26274	89	1	in	in	ADP
fbem-26274	89	2	addition	addition	NOUN
fbem-26274	89	3	,	,	PUNCT
fbem-26274	89	4	banks	bank	NOUN
fbem-26274	89	5	should	should	AUX
fbem-26274	89	6	also	also	ADV
fbem-26274	89	7	strengthen	strengthen	VERB
fbem-26274	89	8	cooperation	cooperation	NOUN
fbem-26274	89	9	with	with	ADP
fbem-26274	89	10	fintech	fintech	NOUN
fbem-26274	89	11	companies	company	NOUN
fbem-26274	89	12	to	to	PART
fbem-26274	89	13	jointly	jointly	ADV
fbem-26274	89	14	explore	explore	VERB
fbem-26274	89	15	new	new	ADJ
fbem-26274	89	16	business	business	NOUN
fbem-26274	89	17	models	model	NOUN
fbem-26274	89	18	and	and	CCONJ
fbem-26274	89	19	service	service	NOUN
fbem-26274	89	20	models	model	NOUN
fbem-26274	89	21	through	through	ADP
fbem-26274	89	22	joint	joint	ADJ
fbem-26274	89	23	innovation	innovation	NOUN
fbem-26274	89	24	and	and	CCONJ
fbem-26274	89	25	resource	resource	NOUN
fbem-26274	89	26	sharing	sharing	NOUN
fbem-26274	89	27	.	.	PUNCT
fbem-26274	90	1	commercial	commercial	ADJ
fbem-26274	90	2	banks	bank	NOUN
fbem-26274	90	3	should	should	AUX
fbem-26274	90	4	streamline	streamline	VERB
fbem-26274	90	5	operations	operation	NOUN
fbem-26274	90	6	by	by	ADP
fbem-26274	90	7	adopting	adopt	VERB
fbem-26274	90	8	automated	automate	VERB
fbem-26274	90	9	,	,	PUNCT
fbem-26274	90	10	intelligent	intelligent	ADJ
fbem-26274	90	11	tools	tool	NOUN
fbem-26274	90	12	,	,	PUNCT
fbem-26274	90	13	reducing	reduce	VERB
fbem-26274	90	14	manual	manual	ADJ
fbem-26274	90	15	errors	error	NOUN
fbem-26274	90	16	and	and	CCONJ
fbem-26274	90	17	accelerating	accelerate	VERB
fbem-26274	90	18	process	process	NOUN
fbem-26274	90	19	speeds	speed	NOUN
fbem-26274	90	20	.	.	PUNCT
fbem-26274	91	1	they	they	PRON
fbem-26274	91	2	must	must	AUX
fbem-26274	91	3	develop	develop	VERB
fbem-26274	91	4	a	a	DET
fbem-26274	91	5	nimble	nimble	ADJ
fbem-26274	91	6	decision	decision	NOUN
fbem-26274	91	7	-	-	PUNCT
fbem-26274	91	8	making	make	VERB
fbem-26274	91	9	framework	framework	NOUN
fbem-26274	91	10	to	to	PART
fbem-26274	91	11	swiftly	swiftly	ADV
fbem-26274	91	12	adapt	adapt	VERB
fbem-26274	91	13	to	to	ADP
fbem-26274	91	14	market	market	NOUN
fbem-26274	91	15	shifts	shift	NOUN
fbem-26274	91	16	and	and	CCONJ
fbem-26274	91	17	customer	customer	NOUN
fbem-26274	91	18	demands	demand	NOUN
fbem-26274	91	19	.	.	PUNCT
fbem-26274	92	1	heightened	heighten	VERB
fbem-26274	92	2	risk	risk	NOUN
fbem-26274	92	3	management	management	NOUN
fbem-26274	92	4	leveraging	leverage	VERB
fbem-26274	92	5	digital	digital	ADJ
fbem-26274	92	6	tools	tool	NOUN
fbem-26274	92	7	enhances	enhance	VERB
fbem-26274	92	8	risk	risk	NOUN
fbem-26274	92	9	awareness	awareness	NOUN
fbem-26274	92	10	and	and	CCONJ
fbem-26274	92	11	mitigation	mitigation	NOUN
fbem-26274	92	12	.	.	PUNCT
fbem-26274	93	1	key	key	ADJ
fbem-26274	93	2	to	to	ADP
fbem-26274	93	3	this	this	DET
fbem-26274	93	4	transformation	transformation	NOUN
fbem-26274	93	5	is	be	AUX
fbem-26274	93	6	nurturing	nurture	VERB
fbem-26274	93	7	fintech	fintech	NOUN
fbem-26274	93	8	talent	talent	NOUN
fbem-26274	93	9	through	through	ADP
fbem-26274	93	10	training	training	NOUN
fbem-26274	93	11	,	,	PUNCT
fbem-26274	93	12	competitions	competition	NOUN
fbem-26274	93	13	,	,	PUNCT
fbem-26274	93	14	and	and	CCONJ
fbem-26274	93	15	communication	communication	NOUN
fbem-26274	93	16	,	,	PUNCT
fbem-26274	93	17	fostering	foster	VERB
fbem-26274	93	18	a	a	DET
fbem-26274	93	19	diverse	diverse	ADJ
fbem-26274	93	20	,	,	PUNCT
fbem-26274	93	21	tech	tech	NOUN
fbem-26274	93	22	-	-	PUNCT
fbem-26274	93	23	savvy	savvy	NOUN
fbem-26274	93	24	workforce	workforce	NOUN
fbem-26274	93	25	.	.	PUNCT
fbem-26274	94	1	an	an	DET
fbem-26274	94	2	incentive	incentive	NOUN
fbem-26274	94	3	scheme	scheme	NOUN
fbem-26274	94	4	motivates	motivate	VERB
fbem-26274	94	5	employees	employee	NOUN
fbem-26274	94	6	to	to	PART
fbem-26274	94	7	contribute	contribute	VERB
fbem-26274	94	8	creatively	creatively	ADV
fbem-26274	94	9	to	to	ADP
fbem-26274	94	10	the	the	DET
fbem-26274	94	11	bank	bank	NOUN
fbem-26274	94	12	's	's	PART
fbem-26274	94	13	business	business	NOUN
fbem-26274	94	14	model	model	NOUN
fbem-26274	94	15	evolution	evolution	NOUN
fbem-26274	94	16	.	.	PUNCT
fbem-26274	95	1	6	6	X
fbem-26274	95	2	.	.	X
fbem-26274	95	3	conclusion	conclusion	NOUN
fbem-26274	95	4	the	the	DET
fbem-26274	95	5	unstoppable	unstoppable	ADJ
fbem-26274	95	6	tide	tide	NOUN
fbem-26274	95	7	of	of	ADP
fbem-26274	95	8	digital	digital	ADJ
fbem-26274	95	9	financial	financial	ADJ
fbem-26274	95	10	technology	technology	NOUN
fbem-26274	95	11	has	have	AUX
fbem-26274	95	12	completely	completely	ADV
fbem-26274	95	13	changed	change	VERB
fbem-26274	95	14	the	the	DET
fbem-26274	95	15	face	face	NOUN
fbem-26274	95	16	of	of	ADP
fbem-26274	95	17	financial	financial	ADJ
fbem-26274	95	18	services	service	NOUN
fbem-26274	95	19	and	and	CCONJ
fbem-26274	95	20	redrawn	redrawn	VERB
fbem-26274	95	21	the	the	DET
fbem-26274	95	22	competitive	competitive	ADJ
fbem-26274	95	23	landscape	landscape	NOUN
fbem-26274	95	24	of	of	ADP
fbem-26274	95	25	commercial	commercial	ADJ
fbem-26274	95	26	banks	bank	NOUN
fbem-26274	95	27	.	.	PUNCT
fbem-26274	96	1	only	only	ADV
fbem-26274	96	2	by	by	ADP
fbem-26274	96	3	following	follow	VERB
fbem-26274	96	4	the	the	DET
fbem-26274	96	5	trend	trend	NOUN
fbem-26274	96	6	of	of	ADP
fbem-26274	96	7	the	the	DET
fbem-26274	96	8	times	time	NOUN
fbem-26274	96	9	,	,	PUNCT
fbem-26274	96	10	actively	actively	ADV
fbem-26274	96	11	embracing	embrace	VERB
fbem-26274	96	12	digital	digital	ADJ
fbem-26274	96	13	financial	financial	ADJ
fbem-26274	96	14	technology	technology	NOUN
fbem-26274	96	15	and	and	CCONJ
fbem-26274	96	16	taking	take	VERB
fbem-26274	96	17	innovation	innovation	NOUN
fbem-26274	96	18	as	as	ADP
fbem-26274	96	19	the	the	DET
fbem-26274	96	20	engine	engine	NOUN
fbem-26274	96	21	,	,	PUNCT
fbem-26274	96	22	can	can	AUX
fbem-26274	96	23	commercial	commercial	VERB
fbem-26274	96	24	banks	bank	NOUN
fbem-26274	96	25	stand	stand	VERB
fbem-26274	96	26	out	out	ADP
fbem-26274	96	27	in	in	ADP
fbem-26274	96	28	the	the	DET
fbem-26274	96	29	fierce	fierce	ADJ
fbem-26274	96	30	competition	competition	NOUN
fbem-26274	96	31	and	and	CCONJ
fbem-26274	96	32	secure	secure	VERB
fbem-26274	96	33	their	their	PRON
fbem-26274	96	34	market	market	NOUN
fbem-26274	96	35	position	position	NOUN
fbem-26274	96	36	.	.	PUNCT
fbem-26274	97	1	the	the	DET
fbem-26274	97	2	transformation	transformation	NOUN
fbem-26274	97	3	and	and	CCONJ
fbem-26274	97	4	upgrading	upgrading	NOUN
fbem-26274	97	5	of	of	ADP
fbem-26274	97	6	business	business	NOUN
fbem-26274	97	7	model	model	NOUN
fbem-26274	97	8	are	be	AUX
fbem-26274	97	9	the	the	DET
fbem-26274	97	10	core	core	ADJ
fbem-26274	97	11	strategy	strategy	NOUN
fbem-26274	97	12	to	to	PART
fbem-26274	97	13	cope	cope	VERB
fbem-26274	97	14	with	with	ADP
fbem-26274	97	15	the	the	DET
fbem-26274	97	16	challenges	challenge	NOUN
fbem-26274	97	17	of	of	ADP
fbem-26274	97	18	digital	digital	ADJ
fbem-26274	97	19	financial	financial	ADJ
fbem-26274	97	20	technology	technology	NOUN
fbem-26274	97	21	.	.	PUNCT
fbem-26274	98	1	this	this	PRON
fbem-26274	98	2	is	be	AUX
fbem-26274	98	3	not	not	PART
fbem-26274	98	4	limited	limit	VERB
fbem-26274	98	5	to	to	ADP
fbem-26274	98	6	the	the	DET
fbem-26274	98	7	technical	technical	ADJ
fbem-26274	98	8	level	level	NOUN
fbem-26274	98	9	of	of	ADP
fbem-26274	98	10	innovation	innovation	NOUN
fbem-26274	98	11	,	,	PUNCT
fbem-26274	98	12	such	such	ADJ
fbem-26274	98	13	as	as	ADP
fbem-26274	98	14	deep	deep	ADJ
fbem-26274	98	15	integration	integration	NOUN
fbem-26274	98	16	of	of	ADP
fbem-26274	98	17	big	big	ADJ
fbem-26274	98	18	data	datum	NOUN
fbem-26274	98	19	,	,	PUNCT
fbem-26274	98	20	cloud	cloud	NOUN
fbem-26274	98	21	computing	computing	NOUN
fbem-26274	98	22	,	,	PUNCT
fbem-26274	98	23	artificial	artificial	ADJ
fbem-26274	98	24	285	285	NUM
fbem-26274	98	25	intelligence	intelligence	NOUN
fbem-26274	98	26	and	and	CCONJ
fbem-26274	98	27	blockchain	blockchain	PROPN
fbem-26274	98	28	and	and	CCONJ
fbem-26274	98	29	other	other	ADJ
fbem-26274	98	30	cutting	cut	VERB
fbem-26274	98	31	-	-	PUNCT
fbem-26274	98	32	edge	edge	NOUN
fbem-26274	98	33	technologies	technology	NOUN
fbem-26274	98	34	to	to	PART
fbem-26274	98	35	intelligently	intelligently	ADV
fbem-26274	98	36	reshape	reshape	VERB
fbem-26274	98	37	financial	financial	ADJ
fbem-26274	98	38	services	service	NOUN
fbem-26274	98	39	;	;	PUNCT
fbem-26274	98	40	it	it	PRON
fbem-26274	98	41	is	be	AUX
fbem-26274	98	42	also	also	ADV
fbem-26274	98	43	necessary	necessary	ADJ
fbem-26274	98	44	to	to	PART
fbem-26274	98	45	touch	touch	VERB
fbem-26274	98	46	on	on	ADP
fbem-26274	98	47	deep	deep	ADJ
fbem-26274	98	48	changes	change	NOUN
fbem-26274	98	49	such	such	ADJ
fbem-26274	98	50	as	as	ADP
fbem-26274	98	51	organizational	organizational	ADJ
fbem-26274	98	52	structure	structure	NOUN
fbem-26274	98	53	,	,	PUNCT
fbem-26274	98	54	process	process	NOUN
fbem-26274	98	55	optimization	optimization	NOUN
fbem-26274	98	56	and	and	CCONJ
fbem-26274	98	57	talent	talent	NOUN
fbem-26274	98	58	training	training	NOUN
fbem-26274	98	59	,	,	PUNCT
fbem-26274	98	60	build	build	VERB
fbem-26274	98	61	a	a	DET
fbem-26274	98	62	new	new	ADJ
fbem-26274	98	63	business	business	NOUN
fbem-26274	98	64	model	model	NOUN
fbem-26274	98	65	that	that	PRON
fbem-26274	98	66	adapts	adapt	VERB
fbem-26274	98	67	to	to	ADP
fbem-26274	98	68	the	the	DET
fbem-26274	98	69	digital	digital	ADJ
fbem-26274	98	70	financial	financial	ADJ
fbem-26274	98	71	ecology	ecology	NOUN
fbem-26274	98	72	,	,	PUNCT
fbem-26274	98	73	and	and	CCONJ
fbem-26274	98	74	achieve	achieve	VERB
fbem-26274	98	75	comprehensive	comprehensive	ADJ
fbem-26274	98	76	transformation	transformation	NOUN
fbem-26274	98	77	.	.	PUNCT
fbem-26274	99	1	in	in	ADP
fbem-26274	99	2	the	the	DET
fbem-26274	99	3	process	process	NOUN
fbem-26274	99	4	of	of	ADP
fbem-26274	99	5	business	business	NOUN
fbem-26274	99	6	model	model	NOUN
fbem-26274	99	7	transformation	transformation	NOUN
fbem-26274	99	8	,	,	PUNCT
fbem-26274	99	9	commercial	commercial	ADJ
fbem-26274	99	10	banks	bank	NOUN
fbem-26274	99	11	should	should	AUX
fbem-26274	99	12	closely	closely	ADV
fbem-26274	99	13	focus	focus	VERB
fbem-26274	99	14	on	on	ADP
fbem-26274	99	15	customer	customer	NOUN
fbem-26274	99	16	demand	demand	NOUN
fbem-26274	99	17	and	and	CCONJ
fbem-26274	99	18	market	market	NOUN
fbem-26274	99	19	dynamics	dynamic	NOUN
fbem-26274	99	20	.	.	PUNCT
fbem-26274	100	1	through	through	ADP
fbem-26274	100	2	accurate	accurate	ADJ
fbem-26274	100	3	insight	insight	NOUN
fbem-26274	100	4	into	into	ADP
fbem-26274	100	5	customer	customer	NOUN
fbem-26274	100	6	needs	need	NOUN
fbem-26274	100	7	,	,	PUNCT
fbem-26274	100	8	continuous	continuous	ADJ
fbem-26274	100	9	innovation	innovation	NOUN
fbem-26274	100	10	of	of	ADP
fbem-26274	100	11	financial	financial	ADJ
fbem-26274	100	12	products	product	NOUN
fbem-26274	100	13	and	and	CCONJ
fbem-26274	100	14	services	service	NOUN
fbem-26274	100	15	,	,	PUNCT
fbem-26274	100	16	and	and	CCONJ
fbem-26274	100	17	optimization	optimization	NOUN
fbem-26274	100	18	of	of	ADP
fbem-26274	100	19	customer	customer	NOUN
fbem-26274	100	20	experience	experience	NOUN
fbem-26274	100	21	,	,	PUNCT
fbem-26274	100	22	so	so	SCONJ
fbem-26274	100	23	as	as	SCONJ
fbem-26274	100	24	to	to	PART
fbem-26274	100	25	enhance	enhance	VERB
fbem-26274	100	26	customer	customer	NOUN
fbem-26274	100	27	loyalty	loyalty	NOUN
fbem-26274	100	28	and	and	CCONJ
fbem-26274	100	29	broaden	broaden	VERB
fbem-26274	100	30	the	the	DET
fbem-26274	100	31	customer	customer	NOUN
fbem-26274	100	32	base	base	NOUN
fbem-26274	100	33	.	.	PUNCT
fbem-26274	101	1	at	at	ADP
fbem-26274	101	2	the	the	DET
fbem-26274	101	3	same	same	ADJ
fbem-26274	101	4	time	time	NOUN
fbem-26274	101	5	,	,	PUNCT
fbem-26274	101	6	we	we	PRON
fbem-26274	101	7	maintain	maintain	VERB
fbem-26274	101	8	a	a	DET
fbem-26274	101	9	keen	keen	ADJ
fbem-26274	101	10	insight	insight	NOUN
fbem-26274	101	11	into	into	ADP
fbem-26274	101	12	market	market	NOUN
fbem-26274	101	13	trends	trend	NOUN
fbem-26274	101	14	and	and	CCONJ
fbem-26274	101	15	competitors	competitor	NOUN
fbem-26274	101	16	'	'	PART
fbem-26274	101	17	strategies	strategy	NOUN
fbem-26274	101	18	,	,	PUNCT
fbem-26274	101	19	and	and	CCONJ
fbem-26274	101	20	flexibly	flexibly	ADV
fbem-26274	101	21	adjust	adjust	VERB
fbem-26274	101	22	our	our	PRON
fbem-26274	101	23	strategic	strategic	ADJ
fbem-26274	101	24	layout	layout	NOUN
fbem-26274	101	25	to	to	PART
fbem-26274	101	26	ensure	ensure	VERB
fbem-26274	101	27	that	that	SCONJ
fbem-26274	101	28	we	we	PRON
fbem-26274	101	29	are	be	AUX
fbem-26274	101	30	always	always	ADV
fbem-26274	101	31	in	in	ADP
fbem-26274	101	32	a	a	DET
fbem-26274	101	33	leading	lead	VERB
fbem-26274	101	34	position	position	NOUN
fbem-26274	101	35	in	in	ADP
fbem-26274	101	36	the	the	DET
fbem-26274	101	37	rapidly	rapidly	ADV
fbem-26274	101	38	changing	change	VERB
fbem-26274	101	39	market	market	NOUN
fbem-26274	101	40	environment	environment	NOUN
fbem-26274	101	41	.	.	PUNCT
fbem-26274	102	1	in	in	ADP
fbem-26274	102	2	addition	addition	NOUN
fbem-26274	102	3	,	,	PUNCT
fbem-26274	102	4	cooperation	cooperation	NOUN
fbem-26274	102	5	and	and	CCONJ
fbem-26274	102	6	win	win	NOUN
fbem-26274	102	7	-	-	PUNCT
fbem-26274	102	8	win	win	NOUN
fbem-26274	102	9	has	have	AUX
fbem-26274	102	10	become	become	VERB
fbem-26274	102	11	a	a	DET
fbem-26274	102	12	clear	clear	ADJ
fbem-26274	102	13	guide	guide	NOUN
fbem-26274	102	14	for	for	ADP
fbem-26274	102	15	the	the	DET
fbem-26274	102	16	transformation	transformation	NOUN
fbem-26274	102	17	of	of	ADP
fbem-26274	102	18	commercial	commercial	ADJ
fbem-26274	102	19	banks	bank	NOUN
fbem-26274	102	20	'	'	PART
fbem-26274	102	21	business	business	NOUN
fbem-26274	102	22	model	model	NOUN
fbem-26274	102	23	.	.	PUNCT
fbem-26274	103	1	in	in	ADP
fbem-26274	103	2	the	the	DET
fbem-26274	103	3	era	era	NOUN
fbem-26274	103	4	of	of	ADP
fbem-26274	103	5	digital	digital	ADJ
fbem-26274	103	6	finance	finance	NOUN
fbem-26274	103	7	,	,	PUNCT
fbem-26274	103	8	commercial	commercial	ADJ
fbem-26274	103	9	banks	bank	NOUN
fbem-26274	103	10	should	should	AUX
fbem-26274	103	11	actively	actively	ADV
fbem-26274	103	12	seek	seek	VERB
fbem-26274	103	13	cooperation	cooperation	NOUN
fbem-26274	103	14	with	with	ADP
fbem-26274	103	15	financial	financial	ADJ
fbem-26274	103	16	technology	technology	NOUN
fbem-26274	103	17	companies	company	NOUN
fbem-26274	103	18	,	,	PUNCT
fbem-26274	103	19	internet	internet	NOUN
fbem-26274	103	20	companies	company	NOUN
fbem-26274	103	21	and	and	CCONJ
fbem-26274	103	22	other	other	ADJ
fbem-26274	103	23	institutions	institution	NOUN
fbem-26274	103	24	to	to	PART
fbem-26274	103	25	jointly	jointly	ADV
fbem-26274	103	26	explore	explore	VERB
fbem-26274	103	27	new	new	ADJ
fbem-26274	103	28	business	business	NOUN
fbem-26274	103	29	models	model	NOUN
fbem-26274	103	30	and	and	CCONJ
fbem-26274	103	31	service	service	NOUN
fbem-26274	103	32	models	model	NOUN
fbem-26274	103	33	.	.	PUNCT
fbem-26274	104	1	through	through	ADP
fbem-26274	104	2	resource	resource	NOUN
fbem-26274	104	3	sharing	sharing	NOUN
fbem-26274	104	4	and	and	CCONJ
fbem-26274	104	5	complementary	complementary	ADJ
fbem-26274	104	6	advantages	advantage	NOUN
fbem-26274	104	7	,	,	PUNCT
fbem-26274	104	8	it	it	PRON
fbem-26274	104	9	can	can	AUX
fbem-26274	104	10	not	not	PART
fbem-26274	104	11	only	only	ADV
fbem-26274	104	12	accelerate	accelerate	VERB
fbem-26274	104	13	the	the	DET
fbem-26274	104	14	pace	pace	NOUN
fbem-26274	104	15	of	of	ADP
fbem-26274	104	16	digital	digital	ADJ
fbem-26274	104	17	transformation	transformation	NOUN
fbem-26274	104	18	,	,	PUNCT
fbem-26274	104	19	but	but	CCONJ
fbem-26274	104	20	also	also	ADV
fbem-26274	104	21	use	use	VERB
fbem-26274	104	22	the	the	DET
fbem-26274	104	23	power	power	NOUN
fbem-26274	104	24	of	of	ADP
fbem-26274	104	25	partners	partner	NOUN
fbem-26274	104	26	to	to	PART
fbem-26274	104	27	broaden	broaden	VERB
fbem-26274	104	28	market	market	NOUN
fbem-26274	104	29	boundaries	boundary	NOUN
fbem-26274	104	30	and	and	CCONJ
fbem-26274	104	31	enhance	enhance	VERB
fbem-26274	104	32	brand	brand	NOUN
fbem-26274	104	33	influence	influence	NOUN
fbem-26274	104	34	.	.	PUNCT
fbem-26274	105	1	the	the	DET
fbem-26274	105	2	deep	deep	ADJ
fbem-26274	105	3	integration	integration	NOUN
fbem-26274	105	4	of	of	ADP
fbem-26274	105	5	technology	technology	NOUN
fbem-26274	105	6	and	and	CCONJ
fbem-26274	105	7	business	business	NOUN
fbem-26274	105	8	is	be	AUX
fbem-26274	105	9	the	the	DET
fbem-26274	105	10	key	key	NOUN
fbem-26274	105	11	to	to	ADP
fbem-26274	105	12	the	the	DET
fbem-26274	105	13	successful	successful	ADJ
fbem-26274	105	14	transformation	transformation	NOUN
fbem-26274	105	15	of	of	ADP
fbem-26274	105	16	commercial	commercial	ADJ
fbem-26274	105	17	banks	bank	NOUN
fbem-26274	105	18	'	'	PART
fbem-26274	105	19	business	business	NOUN
fbem-26274	105	20	model	model	NOUN
fbem-26274	105	21	.	.	PUNCT
fbem-26274	106	1	commercial	commercial	ADJ
fbem-26274	106	2	banks	bank	NOUN
fbem-26274	106	3	need	need	VERB
fbem-26274	106	4	to	to	PART
fbem-26274	106	5	deeply	deeply	ADV
fbem-26274	106	6	embed	embed	VERB
fbem-26274	106	7	digital	digital	ADJ
fbem-26274	106	8	financial	financial	ADJ
fbem-26274	106	9	technology	technology	NOUN
fbem-26274	106	10	in	in	ADP
fbem-26274	106	11	all	all	DET
fbem-26274	106	12	aspects	aspect	NOUN
fbem-26274	106	13	of	of	ADP
fbem-26274	106	14	business	business	NOUN
fbem-26274	106	15	processes	process	NOUN
fbem-26274	106	16	to	to	PART
fbem-26274	106	17	promote	promote	VERB
fbem-26274	106	18	the	the	DET
fbem-26274	106	19	reconstruction	reconstruction	NOUN
fbem-26274	106	20	and	and	CCONJ
fbem-26274	106	21	optimization	optimization	NOUN
fbem-26274	106	22	of	of	ADP
fbem-26274	106	23	business	business	NOUN
fbem-26274	106	24	processes	process	NOUN
fbem-26274	106	25	.	.	PUNCT
fbem-26274	107	1	at	at	ADP
fbem-26274	107	2	the	the	DET
fbem-26274	107	3	same	same	ADJ
fbem-26274	107	4	time	time	NOUN
fbem-26274	107	5	,	,	PUNCT
fbem-26274	107	6	strengthen	strengthen	VERB
fbem-26274	107	7	the	the	DET
fbem-26274	107	8	synergy	synergy	NOUN
fbem-26274	107	9	between	between	ADP
fbem-26274	107	10	technological	technological	ADJ
fbem-26274	107	11	innovation	innovation	NOUN
fbem-26274	107	12	and	and	CCONJ
fbem-26274	107	13	business	business	NOUN
fbem-26274	107	14	innovation	innovation	NOUN
fbem-26274	107	15	to	to	PART
fbem-26274	107	16	ensure	ensure	VERB
fbem-26274	107	17	that	that	SCONJ
fbem-26274	107	18	new	new	ADJ
fbem-26274	107	19	technologies	technology	NOUN
fbem-26274	107	20	can	can	AUX
fbem-26274	107	21	be	be	AUX
fbem-26274	107	22	effectively	effectively	ADV
fbem-26274	107	23	transformed	transform	VERB
fbem-26274	107	24	into	into	ADP
fbem-26274	107	25	a	a	DET
fbem-26274	107	26	powerful	powerful	ADJ
fbem-26274	107	27	driving	driving	NOUN
fbem-26274	107	28	force	force	NOUN
fbem-26274	107	29	for	for	ADP
fbem-26274	107	30	business	business	NOUN
fbem-26274	107	31	development	development	NOUN
fbem-26274	107	32	.	.	PUNCT
fbem-26274	108	1	references	reference	NOUN
fbem-26274	108	2	[	[	X
fbem-26274	108	3	1	1	NUM
fbem-26274	108	4	]	]	PUNCT
fbem-26274	108	5	allenf	allenf	NOUN
fbem-26274	108	6	mcandrewsj	mcandrewsj	PROPN
fbem-26274	108	7	,	,	PUNCT
fbem-26274	108	8	strahanp	strahanp	NOUN
fbem-26274	108	9	.	.	PUNCT
fbem-26274	109	1	e	e	NOUN
fbem-26274	109	2	finance	finance	NOUN
fbem-26274	109	3	:	:	PUNCT
fbem-26274	109	4	the	the	DET
fbem-26274	109	5	an	an	X
fbem-26274	109	6	;	;	PUNCT
fbem-26274	109	7	[	[	X
fbem-26274	109	8	j	j	X
fbem-26274	109	9	]	]	X
fbem-26274	109	10	.	.	PUNCT
fbem-26274	110	1	journal	journal	PROPN
fbem-26274	110	2	of	of	ADP
fbem-26274	110	3	financial	financial	ADJ
fbem-26274	110	4	services	service	NOUN
fbem-26274	110	5	research	research	NOUN
fbem-26274	110	6	,	,	PUNCT
fbem-26274	110	7	2002	2002	NUM
fbem-26274	110	8	,	,	PUNCT
fbem-26274	110	9	22	22	NUM
fbem-26274	110	10	(	(	PUNCT
fbem-26274	110	11	1	1	NUM
fbem-26274	110	12	-	-	SYM
fbem-26274	110	13	2	2	NUM
fbem-26274	110	14	):	):	PUNCT
fbem-26274	110	15	527	527	NUM
fbem-26274	110	16	.	.	PUNCT
fbem-26274	111	1	[	[	X
fbem-26274	111	2	2	2	NUM
fbem-26274	111	3	]	]	SYM
fbem-26274	111	4	shahrokhi	shahrokhi	PROPN
fbem-26274	111	5	,	,	PUNCT
fbem-26274	111	6	m.e	m.e	PROPN
fbem-26274	111	7	finance	finance	NOUN
fbem-26274	111	8	:	:	PUNCT
fbem-26274	111	9	status	status	NOUN
fbem-26274	111	10	,	,	PUNCT
fbem-26274	111	11	innovations	innovation	NOUN
fbem-26274	111	12	,	,	PUNCT
fbem-26274	111	13	resources	resource	NOUN
fbem-26274	111	14	and	and	CCONJ
fbem-26274	111	15	future	future	ADJ
fbem-26274	111	16	challenges	challenge	NOUN
fbem-26274	111	17	[	[	X
fbem-26274	111	18	j	j	X
fbem-26274	111	19	]	]	X
fbem-26274	111	20	.	.	PUNCT
fbem-26274	112	1	ms	ms	ADJ
fbem-26274	112	2	gerial	gerial	ADJ
fbem-26274	112	3	finance	finance	NOUN
fbem-26274	112	4	,	,	PUNCT
fbem-26274	112	5	2008	2008	NUM
fbem-26274	112	6	(	(	PUNCT
fbem-26274	112	7	6	6	NUM
fbem-26274	112	8	):	):	PUNCT
fbem-26274	112	9	365	365	NUM
fbem-26274	112	10	-	-	SYM
fbem-26274	112	11	398	398	NUM
fbem-26274	112	12	.	.	PUNCT
fbem-26274	113	1	[	[	X
fbem-26274	113	2	3	3	NUM
fbem-26274	113	3	]	]	X
fbem-26274	113	4	ozilipk.impact	ozilipk.impact	NUM
fbem-26274	113	5	of	of	ADP
fbem-26274	113	6	digital	digital	ADJ
fbem-26274	113	7	finance	finance	NOUN
fbem-26274	113	8	on	on	ADP
fbem-26274	113	9	financial	financial	ADJ
fbem-26274	113	10	inclusion	inclusion	NOUN
fbem-26274	113	11	and	and	CCONJ
fbem-26274	113	12	stability	stability	NOUN
fbem-26274	114	1	[	[	X
fbem-26274	114	2	j	j	X
fbem-26274	114	3	]	]	X
fbem-26274	114	4	.	.	PUNCT
fbem-26274	115	1	bor	bor	PROPN
fbem-26274	115	2	sa	sa	PROPN
fbem-26274	115	3	istanbul	istanbul	PROPN
fbem-26274	115	4	review	review	PROPN
fbem-26274	115	5	,	,	PUNCT
fbem-26274	115	6	2018	2018	NUM
fbem-26274	115	7	,	,	PUNCT
fbem-26274	115	8	17	17	NUM
fbem-26274	115	9	(	(	PUNCT
fbem-26274	115	10	4	4	NUM
fbem-26274	115	11	):	):	PUNCT
fbem-26274	115	12	329	329	NUM
fbem-26274	115	13	-	-	SYM
fbem-26274	115	14	340	340	NUM
fbem-26274	115	15	.	.	PUNCT
fbem-26274	116	1	[	[	X
fbem-26274	116	2	4	4	NUM
fbem-26274	116	3	]	]	X
fbem-26274	116	4	gomberp	gomberp	ADV
fbem-26274	116	5	,	,	PUNCT
fbem-26274	116	6	kochja	kochja	PROPN
fbem-26274	116	7	,	,	PUNCT
fbem-26274	116	8	sieringm	sieringm	ADJ
fbem-26274	116	9	.	.	PUNCT
fbem-26274	117	1	digital	digital	ADJ
fbem-26274	117	2	finance	finance	NOUN
fbem-26274	117	3	and	and	CCONJ
fbem-26274	117	4	fintech	fintech	NOUN
fbem-26274	117	5	:	:	PUNCT
fbem-26274	117	6	current	current	ADJ
fbem-26274	117	7	research	research	NOUN
fbem-26274	117	8	a	a	DET
fbem-26274	117	9	nd	nd	NOUN
fbem-26274	117	10	future	future	ADJ
fbem-26274	117	11	research	research	NOUN
fbem-26274	117	12	directions	direction	NOUN
fbem-26274	118	1	[	[	X
fbem-26274	118	2	j	j	X
fbem-26274	118	3	]	]	X
fbem-26274	118	4	journal	journal	PROPN
fbem-26274	118	5	journal	journal	PROPN
fbem-26274	118	6	of	of	ADP
fbem-26274	118	7	business	business	NOUN
fbem-26274	118	8	economics	economic	NOUN
fbem-26274	118	9	,	,	PUNCT
fbem-26274	118	10	2017	2017	NUM
fbem-26274	118	11	,	,	PUNCT
fbem-26274	118	12	87(5	87(5	NUM
fbem-26274	118	13	):	):	PUNCT
fbem-26274	118	14	537	537	NUM
fbem-26274	118	15	-	-	SYM
fbem-26274	118	16	580	580	NUM
fbem-26274	118	17	.	.	PUNCT
fbem-26274	119	1	[	[	X
fbem-26274	119	2	5	5	NUM
fbem-26274	119	3	]	]	PUNCT
fbem-26274	119	4	xie	xie	PROPN
fbem-26274	119	5	ping	ping	PROPN
fbem-26274	119	6	,	,	PUNCT
fbem-26274	119	7	zou	zou	PROPN
fbem-26274	119	8	chuanwei	chuanwei	PROPN
fbem-26274	119	9	.	.	PUNCT
fbem-26274	120	1	research	research	NOUN
fbem-26274	120	2	on	on	ADP
fbem-26274	120	3	internet	internet	NOUN
fbem-26274	120	4	finance	finance	NOUN
fbem-26274	120	5	model	model	NOUN
fbem-26274	121	1	[	[	X
fbem-26274	121	2	j	j	X
fbem-26274	121	3	]	]	X
fbem-26274	121	4	.	.	PUNCT
fbem-26274	122	1	financial	financial	ADJ
fbem-26274	122	2	research	research	NOUN
fbem-26274	122	3	,	,	PUNCT
fbem-26274	122	4	2012(12):11	2012(12):11	NUM
fbem-26274	122	5	-	-	SYM
fbem-26274	122	6	22	22	NUM
fbem-26274	122	7	.	.	PUNCT
fbem-26274	123	1	(	(	PUNCT
fbem-26274	123	2	in	in	ADP
fbem-26274	123	3	chinese	chinese	PROPN
fbem-26274	123	4	)	)	PUNCT
fbem-26274	124	1	[	[	X
fbem-26274	124	2	6	6	NUM
fbem-26274	124	3	]	]	X
fbem-26274	124	4	qian	qian	PROPN
fbem-26274	124	5	haizhang	haizhang	PROPN
fbem-26274	124	6	,	,	PUNCT
fbem-26274	124	7	tao	tao	PROPN
fbem-26274	124	8	yunqing	yunqing	NOUN
fbem-26274	124	9	,	,	PUNCT
fbem-26274	124	10	cao	cao	PROPN
fbem-26274	124	11	songwei	songwei	PROPN
fbem-26274	124	12	,	,	PUNCT
fbem-26274	124	13	cao	cao	PROPN
fbem-26274	124	14	yuyang	yuyang	PROPN
fbem-26274	124	15	.	.	PUNCT
fbem-26274	124	16	theory	theory	NOUN
fbem-26274	124	17	and	and	CCONJ
fbem-26274	124	18	demonstration	demonstration	NOUN
fbem-26274	124	19	of	of	ADP
fbem-26274	124	20	digital	digital	ADJ
fbem-26274	124	21	finance	finance	NOUN
fbem-26274	124	22	development	development	NOUN
fbem-26274	124	23	and	and	CCONJ
fbem-26274	124	24	economic	economic	ADJ
fbem-26274	124	25	growth	growth	NOUN
fbem-26274	124	26	in	in	ADP
fbem-26274	124	27	china	china	PROPN
fbem-26274	125	1	[	[	X
fbem-26274	125	2	j	j	X
fbem-26274	125	3	]	]	X
fbem-26274	125	4	.	.	PUNCT
fbem-26274	126	1	journal	journal	PROPN
fbem-26274	126	2	of	of	ADP
fbem-26274	126	3	quantitative	quantitative	ADJ
fbem-26274	126	4	and	and	CCONJ
fbem-26274	126	5	technical	technical	ADJ
fbem-26274	126	6	economics	economic	NOUN
fbem-26274	126	7	,	,	PUNCT
fbem-26274	126	8	2019	2019	NUM
fbem-26274	126	9	,	,	PUNCT
fbem-26274	126	10	37(06):26	37(06):26	NUM
fbem-26274	126	11	-	-	SYM
fbem-26274	126	12	46	46	NUM
fbem-26274	126	13	.	.	PUNCT
fbem-26274	127	1	[	[	X
fbem-26274	127	2	7	7	X
fbem-26274	127	3	]	]	X
fbem-26274	127	4	huang	huang	PROPN
fbem-26274	127	5	yiping	yiping	PROPN
fbem-26274	127	6	,	,	PUNCT
fbem-26274	127	7	huang	huang	PROPN
fbem-26274	127	8	zhuo	zhuo	PROPN
fbem-26274	127	9	.	.	PUNCT
fbem-26274	128	1	the	the	DET
fbem-26274	128	2	development	development	NOUN
fbem-26274	128	3	of	of	ADP
fbem-26274	128	4	digital	digital	ADJ
fbem-26274	128	5	finance	finance	NOUN
fbem-26274	128	6	in	in	ADP
fbem-26274	128	7	china	china	PROPN
fbem-26274	128	8	:	:	PUNCT
fbem-26274	128	9	present	present	ADJ
fbem-26274	128	10	and	and	CCONJ
fbem-26274	128	11	future	future	ADJ
fbem-26274	129	1	[	[	X
fbem-26274	129	2	j	j	X
fbem-26274	129	3	]	]	X
fbem-26274	129	4	.	.	PUNCT
fbem-26274	130	1	economic	economic	ADJ
fbem-26274	130	2	journal	journal	PROPN
fbem-26274	130	3	(	(	PUNCT
fbem-26274	130	4	quarterly	quarterly	ADJ
fbem-26274	130	5	)	)	PUNCT
fbem-26274	130	6	,	,	PUNCT
fbem-26274	130	7	20018	20018	NUM
fbem-26274	130	8	(	(	PUNCT
fbem-26274	130	9	4):1489	4):1489	NOUN
fbem-26274	130	10	-	-	PUNCT
fbem-26274	130	11	1502	1502	NUM
fbem-26274	130	12	.	.	PUNCT
fbem-26274	131	1	[	[	X
fbem-26274	131	2	8	8	NUM
fbem-26274	131	3	]	]	X
fbem-26274	131	4	berger	berger	PROPN
fbem-26274	131	5	a	a	DET
fbem-26274	131	6	n	n	NOUN
fbem-26274	131	7	,	,	PUNCT
fbem-26274	131	8	bouwman	bouwman	NOUN
fbem-26274	131	9	c	c	PROPN
fbem-26274	131	10	h	h	PROPN
fbem-26274	131	11	s.bank	s.bank	NOUN
fbem-26274	131	12	liquidity	liquidity	NOUN
fbem-26274	131	13	creation	creation	NOUN
fbem-26274	131	14	,	,	PUNCT
fbem-26274	131	15	monetary	monetary	ADJ
fbem-26274	131	16	policy	policy	NOUN
fbem-26274	131	17	,	,	PUNCT
fbem-26274	131	18	a	a	DET
fbem-26274	131	19	nd	nd	ADV
fbem-26274	131	20	financial	financial	ADJ
fbem-26274	131	21	crises	crisis	NOUN
fbem-26274	132	1	[	[	X
fbem-26274	132	2	j	j	X
fbem-26274	132	3	]	]	X
fbem-26274	132	4	.	.	PUNCT
fbem-26274	133	1	journal	journal	PROPN
fbem-26274	133	2	journal	journal	PROPN
fbem-26274	133	3	of	of	ADP
fbem-26274	133	4	financial	financial	ADJ
fbem-26274	133	5	stability	stability	NOUN
fbem-26274	133	6	,	,	PUNCT
fbem-26274	133	7	2017	2017	NUM
fbem-26274	133	8	,	,	PUNCT
fbem-26274	133	9	30(6):139	30(6):139	NUM
fbem-26274	133	10	-	-	SYM
fbem-26274	133	11	155	155	NUM
fbem-26274	133	12	.	.	PUNCT
fbem-26274	134	1	[	[	X
fbem-26274	134	2	9	9	NUM
fbem-26274	134	3	]	]	PUNCT
fbem-26274	134	4	dappt	dappt	NOUN
fbem-26274	134	5	,	,	PUNCT
fbem-26274	134	6	slomkal	slomkal	NOUN
fbem-26274	134	7	.	.	PUNCT
fbem-26274	134	8	fintech	fintech	PROPN
fbem-26274	134	9	reloaded	reload	VERB
fbem-26274	134	10	:	:	PUNCT
fbem-26274	134	11	traditional	traditional	ADJ
fbem-26274	134	12	banks	bank	NOUN
fbem-26274	134	13	as	as	ADP
fbem-26274	134	14	digital	digital	ADJ
fbem-26274	134	15	ecosystems	ecosystem	NOUN
fbem-26274	134	16	[	[	X
fbem-26274	134	17	j	j	X
fbem-26274	134	18	]	]	X
fbem-26274	134	19	.	.	PUNCT
fbem-26274	135	1	publication	publication	NOUN
fbem-26274	135	2	of	of	ADP
fbem-26274	135	3	the	the	DET
fbem-26274	135	4	german	german	ADJ
fbem-26274	135	5	original	original	ADJ
fbem-26274	135	6	,	,	PUNCT
fbem-26274	135	7	2015:261	2015:261	NUM
fbem-26274	135	8	-	-	SYM
fbem-26274	135	9	274	274	NUM
fbem-26274	135	10	.	.	PUNCT
fbem-26274	136	1	[	[	X
fbem-26274	136	2	10	10	NUM
fbem-26274	136	3	]	]	X
fbem-26274	136	4	gong	gong	PROPN
fbem-26274	136	5	xiaolin	xiaolin	PROPN
fbem-26274	136	6	.	.	PUNCT
fbem-26274	136	7	internet	internet	NOUN
fbem-26274	136	8	finance	finance	NOUN
fbem-26274	136	9	model	model	NOUN
fbem-26274	136	10	and	and	CCONJ
fbem-26274	136	11	its	its	PRON
fbem-26274	136	12	impact	impact	NOUN
fbem-26274	136	13	on	on	ADP
fbem-26274	136	14	traditional	traditional	ADJ
fbem-26274	136	15	banking	banking	NOUN
fbem-26274	137	1	[	[	X
fbem-26274	137	2	j	j	X
fbem-26274	137	3	]	]	X
fbem-26274	137	4	.	.	PUNCT
fbem-26274	138	1	southern	southern	ADJ
fbem-26274	138	2	finance	finance	NOUN
fbem-26274	138	3	,	,	PUNCT
fbem-26274	138	4	2013(05):86	2013(05):86	NUM
fbem-26274	138	5	-	-	SYM
fbem-26274	138	6	88	88	NUM
fbem-26274	138	7	.	.	PUNCT
fbem-26274	139	1	[	[	X
fbem-26274	139	2	11	11	NUM
fbem-26274	139	3	]	]	X
fbem-26274	139	4	dai	dai	PROPN
fbem-26274	139	5	guoqiang	guoqiang	PROPN
fbem-26274	139	6	,	,	PUNCT
fbem-26274	139	7	fang	fang	PROPN
fbem-26274	139	8	pengfei	pengfei	PROPN
fbem-26274	139	9	.	.	PUNCT
fbem-26274	140	1	regulatory	regulatory	ADJ
fbem-26274	140	2	innovation	innovation	NOUN
fbem-26274	140	3	,	,	PUNCT
fbem-26274	140	4	interest	interest	NOUN
fbem-26274	140	5	rate	rate	NOUN
fbem-26274	140	6	liberalization	liberalization	NOUN
fbem-26274	140	7	and	and	CCONJ
fbem-26274	140	8	internet	internet	NOUN
fbem-26274	140	9	finance	finance	NOUN
fbem-26274	141	1	[	[	X
fbem-26274	141	2	j	j	X
fbem-26274	141	3	]	]	X
fbem-26274	141	4	.	.	PUNCT
fbem-26274	142	1	modern	modern	ADJ
fbem-26274	142	2	economic	economic	ADJ
fbem-26274	142	3	research	research	NOUN
fbem-26274	142	4	,	,	PUNCT
fbem-26274	142	5	2014(7):64	2014(7):64	NUM
fbem-26274	142	6	-	-	SYM
fbem-26274	142	7	67	67	NUM
fbem-26274	142	8	.	.	PUNCT