id	sid	tid	token	lemma	pos
fbem-27667	1	1	frontiers	frontier	NOUN
fbem-27667	1	2	in	in	ADP
fbem-27667	1	3	business	business	NOUN
fbem-27667	1	4	,	,	PUNCT
fbem-27667	1	5	economics	economic	NOUN
fbem-27667	1	6	and	and	CCONJ
fbem-27667	1	7	management	management	NOUN
fbem-27667	1	8	issn	issn	PROPN
fbem-27667	1	9	:	:	PUNCT
fbem-27667	1	10	2766	2766	NUM
fbem-27667	1	11	-	-	PUNCT
fbem-27667	1	12	824x	824x	NUM
fbem-27667	1	13	|	|	ADJ
fbem-27667	1	14	vol	vol	NOUN
fbem-27667	1	15	.	.	PROPN
fbem-27667	1	16	17	17	NUM
fbem-27667	1	17	,	,	PUNCT
fbem-27667	1	18	no	no	INTJ
fbem-27667	1	19	.	.	NOUN
fbem-27667	1	20	2	2	NUM
fbem-27667	1	21	,	,	PUNCT
fbem-27667	1	22	2024	2024	NUM
fbem-27667	1	23	216	216	NUM
fbem-27667	1	24	digital	digital	ADJ
fbem-27667	1	25	finance	finance	NOUN
fbem-27667	1	26	primer	primer	NOUN
fbem-27667	1	27	to	to	PART
fbem-27667	1	28	ease	ease	VERB
fbem-27667	1	29	finance	finance	NOUN
fbem-27667	1	30	constraints	constraint	NOUN
fbem-27667	1	31	for	for	ADP
fbem-27667	1	32	smes	sme	NOUN
fbem-27667	1	33	in	in	ADP
fbem-27667	1	34	dongguan	dongguan	PROPN
fbem-27667	1	35	,	,	PUNCT
fbem-27667	1	36	china	china	PROPN
fbem-27667	1	37	yansen	yansen	PROPN
fbem-27667	1	38	guo	guo	PROPN
fbem-27667	1	39	adamson	adamson	PROPN
fbem-27667	1	40	university	university	PROPN
fbem-27667	1	41	,	,	PUNCT
fbem-27667	1	42	900	900	NUM
fbem-27667	1	43	san	san	PROPN
fbem-27667	1	44	marcelino	marcelino	PROPN
fbem-27667	1	45	st	st	PROPN
fbem-27667	1	46	,	,	PUNCT
fbem-27667	1	47	ermita	ermita	PROPN
fbem-27667	1	48	,	,	PUNCT
fbem-27667	1	49	manila	manila	PROPN
fbem-27667	1	50	,	,	PUNCT
fbem-27667	1	51	1000	1000	NUM
fbem-27667	1	52	metro	metro	PROPN
fbem-27667	1	53	manila	manila	PROPN
fbem-27667	1	54	,	,	PUNCT
fbem-27667	1	55	philippines	philippine	NOUN
fbem-27667	1	56	abstract	abstract	ADJ
fbem-27667	1	57	:	:	PUNCT
fbem-27667	1	58	this	this	DET
fbem-27667	1	59	study	study	NOUN
fbem-27667	1	60	first	first	ADV
fbem-27667	1	61	analyzes	analyze	VERB
fbem-27667	1	62	the	the	DET
fbem-27667	1	63	general	general	ADJ
fbem-27667	1	64	situation	situation	NOUN
fbem-27667	1	65	of	of	ADP
fbem-27667	1	66	smes	sme	NOUN
fbem-27667	1	67	in	in	ADP
fbem-27667	1	68	dongguan	dongguan	PROPN
fbem-27667	1	69	city	city	PROPN
fbem-27667	1	70	.	.	PUNCT
fbem-27667	2	1	secondly	secondly	ADV
fbem-27667	2	2	,	,	PUNCT
fbem-27667	2	3	it	it	PRON
fbem-27667	2	4	evaluates	evaluate	VERB
fbem-27667	2	5	the	the	DET
fbem-27667	2	6	current	current	ADJ
fbem-27667	2	7	situation	situation	NOUN
fbem-27667	2	8	and	and	CCONJ
fbem-27667	2	9	finance	finance	NOUN
fbem-27667	2	10	constraints	constraint	NOUN
fbem-27667	2	11	of	of	ADP
fbem-27667	2	12	digital	digital	ADJ
fbem-27667	2	13	finance	finance	NOUN
fbem-27667	2	14	in	in	ADP
fbem-27667	2	15	the	the	DET
fbem-27667	2	16	operation	operation	NOUN
fbem-27667	2	17	of	of	ADP
fbem-27667	2	18	smes	sme	NOUN
fbem-27667	2	19	from	from	ADP
fbem-27667	2	20	three	three	NUM
fbem-27667	2	21	aspects	aspect	NOUN
fbem-27667	2	22	:	:	PUNCT
fbem-27667	2	23	breadth	breadth	NOUN
fbem-27667	2	24	of	of	ADP
fbem-27667	2	25	digital	digital	ADJ
fbem-27667	2	26	finance	finance	NOUN
fbem-27667	2	27	coverage	coverage	NOUN
fbem-27667	2	28	,	,	PUNCT
fbem-27667	2	29	de	de	X
fbem-27667	2	30	pth	pth	NOUN
fbem-27667	2	31	of	of	ADP
fbem-27667	2	32	use	use	NOUN
fbem-27667	2	33	of	of	ADP
fbem-27667	2	34	digital	digital	ADJ
fbem-27667	2	35	finance	finance	NOUN
fbem-27667	2	36	and	and	CCONJ
fbem-27667	2	37	degree	degree	NOUN
fbem-27667	2	38	of	of	ADP
fbem-27667	2	39	digitalization	digitalization	NOUN
fbem-27667	2	40	.	.	PUNCT
fbem-27667	3	1	through	through	ADP
fbem-27667	3	2	multiple	multiple	ADJ
fbem-27667	3	3	linear	linear	ADJ
fbem-27667	3	4	regression	regression	NOUN
fbem-27667	3	5	analysis	analysis	NOUN
fbem-27667	3	6	,	,	PUNCT
fbem-27667	3	7	it	it	PRON
fbem-27667	3	8	is	be	AUX
fbem-27667	3	9	found	find	VERB
fbem-27667	3	10	that	that	SCONJ
fbem-27667	3	11	there	there	PRON
fbem-27667	3	12	is	be	VERB
fbem-27667	3	13	a	a	DET
fbem-27667	3	14	significant	significant	ADJ
fbem-27667	3	15	relationship	relationship	NOUN
fbem-27667	3	16	between	between	ADP
fbem-27667	3	17	digital	digital	ADJ
fbem-27667	3	18	finance	finance	NOUN
fbem-27667	3	19	variables	variable	NOUN
fbem-27667	3	20	and	and	CCONJ
fbem-27667	3	21	finance	finance	NOUN
fbem-27667	3	22	constraint	constraint	NOUN
fbem-27667	3	23	variables	variable	NOUN
fbem-27667	3	24	.	.	PUNCT
fbem-27667	4	1	based	base	VERB
fbem-27667	4	2	on	on	ADP
fbem-27667	4	3	the	the	DET
fbem-27667	4	4	above	above	ADJ
fbem-27667	4	5	analysis	analysis	NOUN
fbem-27667	4	6	,	,	PUNCT
fbem-27667	4	7	this	this	DET
fbem-27667	4	8	study	study	NOUN
fbem-27667	4	9	wants	want	VERB
fbem-27667	4	10	to	to	PART
fbem-27667	4	11	help	help	VERB
fbem-27667	4	12	smes	sme	NOUN
fbem-27667	4	13	in	in	ADP
fbem-27667	4	14	dongguan	dongguan	PROPN
fbem-27667	4	15	alleviate	alleviate	VERB
fbem-27667	4	16	finance	finance	NOUN
fbem-27667	4	17	constraints	constraint	NOUN
fbem-27667	4	18	.	.	PUNCT
fbem-27667	5	1	keywords	keyword	NOUN
fbem-27667	5	2	:	:	PUNCT
fbem-27667	5	3	business	business	NOUN
fbem-27667	5	4	profile	profile	NOUN
fbem-27667	5	5	,	,	PUNCT
fbem-27667	5	6	digital	digital	ADJ
fbem-27667	5	7	finance	finance	NOUN
fbem-27667	5	8	,	,	PUNCT
fbem-27667	5	9	finance	finance	NOUN
fbem-27667	5	10	constraint	constraint	NOUN
fbem-27667	5	11	,	,	PUNCT
fbem-27667	5	12	degree	degree	NOUN
fbem-27667	5	13	of	of	ADP
fbem-27667	5	14	digitalization	digitalization	NOUN
fbem-27667	5	15	,	,	PUNCT
fbem-27667	5	16	smes	sme	NOUN
fbem-27667	5	17	.	.	PUNCT
fbem-27667	6	1	1	1	X
fbem-27667	6	2	.	.	X
fbem-27667	6	3	introduction	introduction	NOUN
fbem-27667	6	4	1.1	1.1	NUM
fbem-27667	6	5	.	.	PUNCT
fbem-27667	7	1	background	background	NOUN
fbem-27667	7	2	of	of	ADP
fbem-27667	7	3	the	the	DET
fbem-27667	7	4	study	study	NOUN
fbem-27667	7	5	in	in	ADP
fbem-27667	7	6	the	the	DET
fbem-27667	7	7	informatization	informatization	NOUN
fbem-27667	7	8	and	and	CCONJ
fbem-27667	7	9	digitization	digitization	NOUN
fbem-27667	7	10	era	era	NOUN
fbem-27667	7	11	,	,	PUNCT
fbem-27667	7	12	digital	digital	ADJ
fbem-27667	7	13	finance	finance	NOUN
fbem-27667	7	14	,	,	PUNCT
fbem-27667	7	15	by	by	ADP
fbem-27667	7	16	leveraging	leverage	VERB
fbem-27667	7	17	its	its	PRON
fbem-27667	7	18	typical	typical	ADJ
fbem-27667	7	19	advantages	advantage	NOUN
fbem-27667	7	20	,	,	PUNCT
fbem-27667	7	21	is	be	AUX
fbem-27667	7	22	reshaping	reshape	VERB
fbem-27667	7	23	the	the	DET
fbem-27667	7	24	traditional	traditional	ADJ
fbem-27667	7	25	models	model	NOUN
fbem-27667	7	26	of	of	ADP
fbem-27667	7	27	financial	financial	ADJ
fbem-27667	7	28	services	service	NOUN
fbem-27667	7	29	all	all	ADV
fbem-27667	7	30	over	over	ADP
fbem-27667	7	31	the	the	DET
fbem-27667	7	32	world	world	NOUN
fbem-27667	7	33	.	.	PUNCT
fbem-27667	8	1	many	many	ADJ
fbem-27667	8	2	scholars	scholar	NOUN
fbem-27667	8	3	have	have	AUX
fbem-27667	8	4	pointed	point	VERB
fbem-27667	8	5	out	out	ADP
fbem-27667	8	6	that	that	SCONJ
fbem-27667	8	7	the	the	DET
fbem-27667	8	8	integration	integration	NOUN
fbem-27667	8	9	of	of	ADP
fbem-27667	8	10	cloud	cloud	NOUN
fbem-27667	8	11	computing	computing	NOUN
fbem-27667	8	12	,	,	PUNCT
fbem-27667	8	13	big	big	ADJ
fbem-27667	8	14	data	datum	NOUN
fbem-27667	8	15	,	,	PUNCT
fbem-27667	8	16	and	and	CCONJ
fbem-27667	8	17	related	related	ADJ
fbem-27667	8	18	technologies	technology	NOUN
fbem-27667	8	19	has	have	AUX
fbem-27667	8	20	endowed	endow	VERB
fbem-27667	8	21	digital	digital	ADJ
fbem-27667	8	22	finance	finance	NOUN
fbem-27667	8	23	with	with	ADP
fbem-27667	8	24	the	the	DET
fbem-27667	8	25	characteristics	characteristic	NOUN
fbem-27667	8	26	of	of	ADP
fbem-27667	8	27	high	high	ADJ
fbem-27667	8	28	intelligence	intelligence	NOUN
fbem-27667	8	29	and	and	CCONJ
fbem-27667	8	30	inclusiveness	inclusiveness	NOUN
fbem-27667	8	31	,	,	PUNCT
fbem-27667	8	32	thus	thus	ADV
fbem-27667	8	33	greatly	greatly	ADV
fbem-27667	8	34	improving	improve	VERB
fbem-27667	8	35	the	the	DET
fbem-27667	8	36	efficiency	efficiency	NOUN
fbem-27667	8	37	and	and	CCONJ
fbem-27667	8	38	coverage	coverage	NOUN
fbem-27667	8	39	of	of	ADP
fbem-27667	8	40	the	the	DET
fbem-27667	8	41	financial	financial	ADJ
fbem-27667	8	42	system	system	NOUN
fbem-27667	8	43	.	.	PUNCT
fbem-27667	9	1	in	in	ADP
fbem-27667	9	2	essence	essence	NOUN
fbem-27667	9	3	,	,	PUNCT
fbem-27667	9	4	digital	digital	ADJ
fbem-27667	9	5	finance	finance	NOUN
fbem-27667	9	6	is	be	AUX
fbem-27667	9	7	actually	actually	ADV
fbem-27667	9	8	developed	develop	VERB
fbem-27667	9	9	alongside	alongside	ADP
fbem-27667	9	10	the	the	DET
fbem-27667	9	11	financing	financing	NOUN
fbem-27667	9	12	difficulties	difficulty	NOUN
fbem-27667	9	13	of	of	ADP
fbem-27667	9	14	smes	sme	NOUN
fbem-27667	9	15	in	in	ADP
fbem-27667	9	16	guangdong	guangdong	PROPN
fbem-27667	9	17	province	province	PROPN
fbem-27667	9	18	.	.	PUNCT
fbem-27667	10	1	our	our	PRON
fbem-27667	10	2	research	research	NOUN
fbem-27667	10	3	is	be	AUX
fbem-27667	10	4	going	go	VERB
fbem-27667	10	5	to	to	PART
fbem-27667	10	6	discuss	discuss	VERB
fbem-27667	10	7	and	and	CCONJ
fbem-27667	10	8	analyze	analyze	VERB
fbem-27667	10	9	the	the	DET
fbem-27667	10	10	development	development	NOUN
fbem-27667	10	11	process	process	NOUN
fbem-27667	10	12	of	of	ADP
fbem-27667	10	13	digital	digital	ADJ
fbem-27667	10	14	finance	finance	NOUN
fbem-27667	10	15	in	in	ADP
fbem-27667	10	16	guangdong	guangdong	PROPN
fbem-27667	10	17	,	,	PUNCT
fbem-27667	10	18	as	as	ADV
fbem-27667	10	19	well	well	ADV
fbem-27667	10	20	as	as	ADP
fbem-27667	10	21	the	the	DET
fbem-27667	10	22	effect	effect	NOUN
fbem-27667	10	23	that	that	PRON
fbem-27667	10	24	digital	digital	ADJ
fbem-27667	10	25	finance	finance	NOUN
fbem-27667	10	26	has	have	VERB
fbem-27667	10	27	on	on	ADP
fbem-27667	10	28	the	the	DET
fbem-27667	10	29	easing	easing	NOUN
fbem-27667	10	30	of	of	ADP
fbem-27667	10	31	financial	financial	ADJ
fbem-27667	10	32	problems	problem	NOUN
fbem-27667	10	33	faced	face	VERB
fbem-27667	10	34	by	by	ADP
fbem-27667	10	35	smes	sme	NOUN
fbem-27667	10	36	,	,	PUNCT
fbem-27667	10	37	in	in	ADP
fbem-27667	10	38	order	order	NOUN
fbem-27667	10	39	to	to	PART
fbem-27667	10	40	provide	provide	VERB
fbem-27667	10	41	some	some	DET
fbem-27667	10	42	enlightenment	enlightenment	NOUN
fbem-27667	10	43	for	for	ADP
fbem-27667	10	44	both	both	DET
fbem-27667	10	45	policy	policy	NOUN
fbem-27667	10	46	formulation	formulation	NOUN
fbem-27667	10	47	and	and	CCONJ
fbem-27667	10	48	practical	practical	ADJ
fbem-27667	10	49	implementation	implementation	NOUN
fbem-27667	10	50	.	.	PUNCT
fbem-27667	11	1	based	base	VERB
fbem-27667	11	2	on	on	ADP
fbem-27667	11	3	the	the	DET
fbem-27667	11	4	previous	previous	ADJ
fbem-27667	11	5	research	research	NOUN
fbem-27667	11	6	,	,	PUNCT
fbem-27667	11	7	this	this	DET
fbem-27667	11	8	effort	effort	NOUN
fbem-27667	11	9	will	will	AUX
fbem-27667	11	10	sharpen	sharpen	VERB
fbem-27667	11	11	the	the	DET
fbem-27667	11	12	conceptual	conceptual	ADJ
fbem-27667	11	13	framework	framework	NOUN
fbem-27667	11	14	and	and	CCONJ
fbem-27667	11	15	empirical	empirical	ADJ
fbem-27667	11	16	methodologies	methodology	NOUN
fbem-27667	11	17	related	relate	VERB
fbem-27667	11	18	to	to	ADP
fbem-27667	11	19	digital	digital	ADJ
fbem-27667	11	20	finance	finance	NOUN
fbem-27667	11	21	and	and	CCONJ
fbem-27667	11	22	sme	sme	NOUN
fbem-27667	11	23	financing	financing	NOUN
fbem-27667	11	24	to	to	PART
fbem-27667	11	25	contribute	contribute	VERB
fbem-27667	11	26	constructively	constructively	ADV
fbem-27667	11	27	to	to	ADP
fbem-27667	11	28	the	the	DET
fbem-27667	11	29	sound	sound	ADJ
fbem-27667	11	30	development	development	NOUN
fbem-27667	11	31	of	of	ADP
fbem-27667	11	32	smes	sme	NOUN
fbem-27667	11	33	in	in	ADP
fbem-27667	11	34	guangdong	guangdong	PROPN
fbem-27667	11	35	and	and	CCONJ
fbem-27667	11	36	across	across	ADP
fbem-27667	11	37	the	the	DET
fbem-27667	11	38	country	country	NOUN
fbem-27667	11	39	.	.	PUNCT
fbem-27667	12	1	1.2	1.2	NUM
fbem-27667	12	2	.	.	PUNCT
fbem-27667	12	3	related	relate	VERB
fbem-27667	12	4	literature	literature	NOUN
fbem-27667	12	5	the	the	DET
fbem-27667	12	6	core	core	NOUN
fbem-27667	12	7	emphasis	emphasis	NOUN
fbem-27667	12	8	of	of	ADP
fbem-27667	12	9	this	this	DET
fbem-27667	12	10	research	research	NOUN
fbem-27667	12	11	lies	lie	VERB
fbem-27667	12	12	in	in	ADP
fbem-27667	12	13	evaluating	evaluate	VERB
fbem-27667	12	14	the	the	DET
fbem-27667	12	15	consequences	consequence	NOUN
fbem-27667	12	16	of	of	ADP
fbem-27667	12	17	digital	digital	ADJ
fbem-27667	12	18	finance	finance	NOUN
fbem-27667	12	19	on	on	ADP
fbem-27667	12	20	the	the	DET
fbem-27667	12	21	financial	financial	ADJ
fbem-27667	12	22	constraints	constraint	NOUN
fbem-27667	12	23	.	.	PUNCT
fbem-27667	13	1	it	it	PRON
fbem-27667	13	2	examines	examine	VERB
fbem-27667	13	3	various	various	ADJ
fbem-27667	13	4	aspects	aspect	NOUN
fbem-27667	13	5	,	,	PUNCT
fbem-27667	13	6	including	include	VERB
fbem-27667	13	7	the	the	DET
fbem-27667	13	8	breadth	breadth	NOUN
fbem-27667	13	9	of	of	ADP
fbem-27667	13	10	digital	digital	ADJ
fbem-27667	13	11	finance	finance	NOUN
fbem-27667	13	12	coverage	coverage	NOUN
fbem-27667	13	13	,	,	PUNCT
fbem-27667	13	14	depth	depth	NOUN
fbem-27667	13	15	of	of	ADP
fbem-27667	13	16	use	use	NOUN
fbem-27667	13	17	of	of	ADP
fbem-27667	13	18	digital	digital	ADJ
fbem-27667	13	19	finance	finance	NOUN
fbem-27667	13	20	,	,	PUNCT
fbem-27667	13	21	degree	degree	NOUN
fbem-27667	13	22	of	of	ADP
fbem-27667	13	23	digitalization	digitalization	NOUN
fbem-27667	13	24	and	and	CCONJ
fbem-27667	13	25	other	other	ADJ
fbem-27667	13	26	pertinent	pertinent	ADJ
fbem-27667	13	27	dimensions	dimension	NOUN
fbem-27667	13	28	,	,	PUNCT
fbem-27667	13	29	thereby	thereby	ADV
fbem-27667	13	30	providing	provide	VERB
fbem-27667	13	31	a	a	DET
fbem-27667	13	32	comprehensive	comprehensive	ADJ
fbem-27667	13	33	analytical	analytical	ADJ
fbem-27667	13	34	framework	framework	NOUN
fbem-27667	13	35	for	for	ADP
fbem-27667	13	36	this	this	DET
fbem-27667	13	37	study	study	NOUN
fbem-27667	13	38	.	.	PUNCT
fbem-27667	14	1	these	these	DET
fbem-27667	14	2	relevant	relevant	ADJ
fbem-27667	14	3	literatures	literature	NOUN
fbem-27667	14	4	show	show	VERB
fbem-27667	14	5	a	a	DET
fbem-27667	14	6	wealth	wealth	NOUN
fbem-27667	14	7	of	of	ADP
fbem-27667	14	8	research	research	NOUN
fbem-27667	14	9	content	content	NOUN
fbem-27667	14	10	,	,	PUNCT
fbem-27667	14	11	discussing	discuss	VERB
fbem-27667	14	12	the	the	DET
fbem-27667	14	13	development	development	NOUN
fbem-27667	14	14	of	of	ADP
fbem-27667	14	15	digital	digital	ADJ
fbem-27667	14	16	finance	finance	NOUN
fbem-27667	14	17	,	,	PUNCT
fbem-27667	14	18	finance	finance	NOUN
fbem-27667	14	19	constraints	constraint	NOUN
fbem-27667	14	20	,	,	PUNCT
fbem-27667	14	21	digital	digital	ADJ
fbem-27667	14	22	finance	finance	NOUN
fbem-27667	14	23	coverage	coverage	NOUN
fbem-27667	14	24	breadth	breadth	NOUN
fbem-27667	14	25	,	,	PUNCT
fbem-27667	14	26	digital	digital	ADJ
fbem-27667	14	27	finance	finance	NOUN
fbem-27667	14	28	use	use	NOUN
fbem-27667	14	29	depth	depth	NOUN
fbem-27667	14	30	,	,	PUNCT
fbem-27667	14	31	digital	digital	ADJ
fbem-27667	14	32	finance	finance	NOUN
fbem-27667	14	33	coverage	coverage	NOUN
fbem-27667	14	34	,	,	PUNCT
fbem-27667	14	35	digital	digital	ADJ
fbem-27667	14	36	finance	finance	NOUN
fbem-27667	14	37	degree	degree	NOUN
fbem-27667	14	38	and	and	CCONJ
fbem-27667	14	39	other	other	ADJ
fbem-27667	14	40	dimensions	dimension	NOUN
fbem-27667	14	41	.	.	PUNCT
fbem-27667	15	1	within	within	ADP
fbem-27667	15	2	these	these	DET
fbem-27667	15	3	fields	field	NOUN
fbem-27667	15	4	,	,	PUNCT
fbem-27667	15	5	several	several	ADJ
fbem-27667	15	6	common	common	ADJ
fbem-27667	15	7	themes	theme	NOUN
fbem-27667	15	8	emerge	emerge	VERB
fbem-27667	15	9	,	,	PUNCT
fbem-27667	15	10	as	as	ADV
fbem-27667	15	11	well	well	ADV
fbem-27667	15	12	as	as	ADP
fbem-27667	15	13	different	different	ADJ
fbem-27667	15	14	perspectives	perspective	NOUN
fbem-27667	15	15	and	and	CCONJ
fbem-27667	15	16	approaches	approach	NOUN
fbem-27667	15	17	applied	apply	VERB
fbem-27667	15	18	by	by	ADP
fbem-27667	15	19	different	different	ADJ
fbem-27667	15	20	researchers	researcher	NOUN
fbem-27667	15	21	.	.	PUNCT
fbem-27667	16	1	digital	digital	ADJ
fbem-27667	16	2	finance	finance	NOUN
fbem-27667	16	3	,	,	PUNCT
fbem-27667	16	4	a	a	DET
fbem-27667	16	5	fusion	fusion	NOUN
fbem-27667	16	6	of	of	ADP
fbem-27667	16	7	finance	finance	NOUN
fbem-27667	16	8	and	and	CCONJ
fbem-27667	16	9	technology	technology	NOUN
fbem-27667	16	10	,	,	PUNCT
fbem-27667	16	11	has	have	AUX
fbem-27667	16	12	garnered	garner	VERB
fbem-27667	16	13	significant	significant	ADJ
fbem-27667	16	14	attention	attention	NOUN
fbem-27667	16	15	lately	lately	ADV
fbem-27667	16	16	.	.	PUNCT
fbem-27667	17	1	chen	chen	PROPN
fbem-27667	17	2	xiuying	xiuying	PROPN
fbem-27667	17	3	(	(	PUNCT
fbem-27667	17	4	2021	2021	NUM
fbem-27667	17	5	)	)	PUNCT
fbem-27667	17	6	emphasized	emphasize	VERB
fbem-27667	17	7	its	its	PRON
fbem-27667	17	8	role	role	NOUN
fbem-27667	17	9	as	as	ADP
fbem-27667	17	10	a	a	DET
fbem-27667	17	11	sophisticated	sophisticated	ADJ
fbem-27667	17	12	stage	stage	NOUN
fbem-27667	17	13	of	of	ADP
fbem-27667	17	14	integrating	integrate	VERB
fbem-27667	17	15	financial	financial	ADJ
fbem-27667	17	16	offerings	offering	NOUN
fbem-27667	17	17	,	,	PUNCT
fbem-27667	17	18	services	service	NOUN
fbem-27667	17	19	,	,	PUNCT
fbem-27667	17	20	and	and	CCONJ
fbem-27667	17	21	technology	technology	NOUN
fbem-27667	17	22	,	,	PUNCT
fbem-27667	17	23	transforming	transform	VERB
fbem-27667	17	24	traditional	traditional	ADJ
fbem-27667	17	25	financial	financial	ADJ
fbem-27667	17	26	service	service	NOUN
fbem-27667	17	27	formats	format	NOUN
fbem-27667	17	28	through	through	ADP
fbem-27667	17	29	digital	digital	ADJ
fbem-27667	17	30	methodologies	methodology	NOUN
fbem-27667	17	31	.	.	PUNCT
fbem-27667	18	1	zou	zou	PROPN
fbem-27667	18	2	zongsen	zongsen	PROPN
fbem-27667	18	3	(	(	PUNCT
fbem-27667	18	4	2023	2023	NUM
fbem-27667	18	5	)	)	PUNCT
fbem-27667	18	6	observed	observe	VERB
fbem-27667	18	7	that	that	SCONJ
fbem-27667	18	8	in	in	ADP
fbem-27667	18	9	china	china	PROPN
fbem-27667	18	10	,	,	PUNCT
fbem-27667	18	11	advancements	advancement	NOUN
fbem-27667	18	12	in	in	ADP
fbem-27667	18	13	technologies	technology	NOUN
fbem-27667	18	14	like	like	ADP
fbem-27667	18	15	mobile	mobile	ADJ
fbem-27667	18	16	payment	payment	NOUN
fbem-27667	18	17	and	and	CCONJ
fbem-27667	18	18	big	big	ADJ
fbem-27667	18	19	data	datum	NOUN
fbem-27667	18	20	have	have	AUX
fbem-27667	18	21	fueled	fuel	VERB
fbem-27667	18	22	rapid	rapid	ADJ
fbem-27667	18	23	digital	digital	ADJ
fbem-27667	18	24	finance	finance	NOUN
fbem-27667	18	25	growth	growth	NOUN
fbem-27667	18	26	,	,	PUNCT
fbem-27667	18	27	invigorating	invigorate	VERB
fbem-27667	18	28	economic	economic	ADJ
fbem-27667	18	29	and	and	CCONJ
fbem-27667	18	30	social	social	ADJ
fbem-27667	18	31	progress	progress	NOUN
fbem-27667	18	32	.	.	PUNCT
fbem-27667	19	1	furthermore	furthermore	ADV
fbem-27667	19	2	,	,	PUNCT
fbem-27667	19	3	wang	wang	PROPN
fbem-27667	19	4	zhihao	zhihao	PROPN
fbem-27667	19	5	huang	huang	PROPN
fbem-27667	19	6	,	,	PUNCT
fbem-27667	19	7	gao	gao	PROPN
fbem-27667	19	8	wei	wei	PROPN
fbem-27667	19	9	,	,	PUNCT
fbem-27667	19	10	and	and	CCONJ
fbem-27667	19	11	wang	wang	PROPN
fbem-27667	19	12	jing	jing	PROPN
fbem-27667	19	13	(	(	PUNCT
fbem-27667	19	14	2023	2023	NUM
fbem-27667	19	15	)	)	PUNCT
fbem-27667	19	16	noted	note	VERB
fbem-27667	19	17	its	its	PRON
fbem-27667	19	18	positive	positive	ADJ
fbem-27667	19	19	influence	influence	NOUN
fbem-27667	19	20	on	on	ADP
fbem-27667	19	21	the	the	DET
fbem-27667	19	22	real	real	ADJ
fbem-27667	19	23	economy	economy	NOUN
fbem-27667	19	24	through	through	ADP
fbem-27667	19	25	optimized	optimize	VERB
fbem-27667	19	26	resource	resource	NOUN
fbem-27667	19	27	allocation	allocation	NOUN
fbem-27667	19	28	and	and	CCONJ
fbem-27667	19	29	innovation	innovation	NOUN
fbem-27667	19	30	promotion	promotion	NOUN
fbem-27667	19	31	.	.	PUNCT
fbem-27667	20	1	the	the	DET
fbem-27667	20	2	evolution	evolution	NOUN
fbem-27667	20	3	of	of	ADP
fbem-27667	20	4	digital	digital	ADJ
fbem-27667	20	5	finance	finance	NOUN
fbem-27667	20	6	exhibits	exhibit	VERB
fbem-27667	20	7	trends	trend	NOUN
fbem-27667	20	8	of	of	ADP
fbem-27667	20	9	diversification	diversification	NOUN
fbem-27667	20	10	,	,	PUNCT
fbem-27667	20	11	inclusivity	inclusivity	NOUN
fbem-27667	20	12	,	,	PUNCT
fbem-27667	20	13	and	and	CCONJ
fbem-27667	20	14	intelligence	intelligence	NOUN
fbem-27667	20	15	.	.	PUNCT
fbem-27667	21	1	hong	hong	PROPN
fbem-27667	21	2	yitian	yitian	PROPN
fbem-27667	21	3	(	(	PUNCT
fbem-27667	21	4	2022	2022	NUM
fbem-27667	21	5	)	)	PUNCT
fbem-27667	21	6	,	,	PUNCT
fbem-27667	21	7	noted	note	VERB
fbem-27667	21	8	that	that	SCONJ
fbem-27667	21	9	the	the	DET
fbem-27667	21	10	proliferation	proliferation	NOUN
fbem-27667	21	11	of	of	ADP
fbem-27667	21	12	mobile	mobile	ADJ
fbem-27667	21	13	internet	internet	NOUN
fbem-27667	21	14	and	and	CCONJ
fbem-27667	21	15	big	big	ADJ
fbem-27667	21	16	data	datum	NOUN
fbem-27667	21	17	technology	technology	NOUN
fbem-27667	21	18	is	be	AUX
fbem-27667	21	19	continually	continually	ADV
fbem-27667	21	20	broadening	broaden	VERB
fbem-27667	21	21	the	the	DET
fbem-27667	21	22	scope	scope	NOUN
fbem-27667	21	23	and	and	CCONJ
fbem-27667	21	24	expanding	expand	VERB
fbem-27667	21	25	the	the	DET
fbem-27667	21	26	accessibility	accessibility	NOUN
fbem-27667	21	27	and	and	CCONJ
fbem-27667	21	28	scope	scope	NOUN
fbem-27667	21	29	of	of	ADP
fbem-27667	21	30	digital	digital	ADJ
fbem-27667	21	31	financial	financial	ADJ
fbem-27667	21	32	offerings	offering	NOUN
fbem-27667	21	33	,	,	PUNCT
fbem-27667	21	34	enhancing	enhance	VERB
fbem-27667	21	35	user	user	NOUN
fbem-27667	21	36	convenience	convenience	NOUN
fbem-27667	21	37	and	and	CCONJ
fbem-27667	21	38	efficiency	efficiency	NOUN
fbem-27667	21	39	.	.	PUNCT
fbem-27667	22	1	this	this	DET
fbem-27667	22	2	development	development	NOUN
fbem-27667	22	3	also	also	ADV
fbem-27667	22	4	catalyzes	catalyze	VERB
fbem-27667	22	5	the	the	DET
fbem-27667	22	6	operations	operation	NOUN
fbem-27667	22	7	of	of	ADP
fbem-27667	22	8	conventional	conventional	ADJ
fbem-27667	22	9	financial	financial	ADJ
fbem-27667	22	10	entities	entity	NOUN
fbem-27667	22	11	.	.	PUNCT
fbem-27667	23	1	meanwhile	meanwhile	ADV
fbem-27667	23	2	,	,	PUNCT
fbem-27667	23	3	the	the	DET
fbem-27667	23	4	combined	combined	ADJ
fbem-27667	23	5	influence	influence	NOUN
fbem-27667	23	6	of	of	ADP
fbem-27667	23	7	policy	policy	NOUN
fbem-27667	23	8	support	support	NOUN
fbem-27667	23	9	and	and	CCONJ
fbem-27667	23	10	market	market	NOUN
fbem-27667	23	11	demand	demand	NOUN
fbem-27667	23	12	in	in	ADP
fbem-27667	23	13	accelerating	accelerate	VERB
fbem-27667	23	14	digital	digital	ADJ
fbem-27667	23	15	finance	finance	NOUN
fbem-27667	23	16	's	's	PART
fbem-27667	23	17	growth	growth	NOUN
fbem-27667	23	18	in	in	ADP
fbem-27667	23	19	china	china	PROPN
fbem-27667	23	20	.	.	PUNCT
fbem-27667	24	1	zhang	zhang	PROPN
fbem-27667	24	2	qian	qian	PROPN
fbem-27667	24	3	(	(	PUNCT
fbem-27667	24	4	2023	2023	NUM
fbem-27667	24	5	)	)	PUNCT
fbem-27667	24	6	further	far	ADV
fbem-27667	24	7	observed	observe	VERB
fbem-27667	24	8	that	that	SCONJ
fbem-27667	24	9	digital	digital	ADJ
fbem-27667	24	10	finance	finance	NOUN
fbem-27667	24	11	's	's	PART
fbem-27667	24	12	advancement	advancement	NOUN
fbem-27667	24	13	has	have	AUX
fbem-27667	24	14	fostered	foster	VERB
fbem-27667	24	15	improvements	improvement	NOUN
fbem-27667	24	16	in	in	ADP
fbem-27667	24	17	financial	financial	ADJ
fbem-27667	24	18	innovation	innovation	NOUN
fbem-27667	24	19	and	and	CCONJ
fbem-27667	24	20	risk	risk	NOUN
fbem-27667	24	21	prevention	prevention	NOUN
fbem-27667	24	22	capabilities	capability	NOUN
fbem-27667	24	23	.	.	PUNCT
fbem-27667	25	1	the	the	DET
fbem-27667	25	2	rise	rise	NOUN
fbem-27667	25	3	of	of	ADP
fbem-27667	25	4	digital	digital	ADJ
fbem-27667	25	5	finance	finance	NOUN
fbem-27667	25	6	provides	provide	VERB
fbem-27667	25	7	a	a	DET
fbem-27667	25	8	new	new	ADJ
fbem-27667	25	9	way	way	NOUN
fbem-27667	25	10	to	to	PART
fbem-27667	25	11	ease	ease	VERB
fbem-27667	25	12	finance	finance	NOUN
fbem-27667	25	13	constraints	constraint	NOUN
fbem-27667	25	14	.	.	PUNCT
fbem-27667	26	1	on	on	ADP
fbem-27667	26	2	the	the	DET
fbem-27667	26	3	one	one	NUM
fbem-27667	26	4	hand	hand	NOUN
fbem-27667	26	5	,	,	PUNCT
fbem-27667	26	6	nie	nie	PROPN
fbem-27667	26	7	xiuhua	xiuhua	PROPN
fbem-27667	26	8	(	(	PUNCT
fbem-27667	26	9	2020	2020	NUM
fbem-27667	26	10	)	)	PUNCT
fbem-27667	26	11	;	;	PUNCT
fbem-27667	26	12	qi	qi	PROPN
fbem-27667	26	13	xiuhui	xiuhui	PROPN
fbem-27667	26	14	believed	believe	VERB
fbem-27667	26	15	that	that	SCONJ
fbem-27667	26	16	digital	digital	ADJ
fbem-27667	26	17	finance	finance	NOUN
fbem-27667	26	18	enables	enable	VERB
fbem-27667	26	19	more	more	ADJ
fbem-27667	26	20	enterprises	enterprise	NOUN
fbem-27667	26	21	and	and	CCONJ
fbem-27667	26	22	individuals	individual	NOUN
fbem-27667	26	23	to	to	PART
fbem-27667	26	24	enjoy	enjoy	VERB
fbem-27667	26	25	financial	financial	ADJ
fbem-27667	26	26	services	service	NOUN
fbem-27667	26	27	by	by	ADP
fbem-27667	26	28	lowering	lower	VERB
fbem-27667	26	29	the	the	DET
fbem-27667	26	30	threshold	threshold	NOUN
fbem-27667	26	31	and	and	CCONJ
fbem-27667	26	32	expanding	expand	VERB
fbem-27667	26	33	the	the	DET
fbem-27667	26	34	coverage	coverage	NOUN
fbem-27667	26	35	of	of	ADP
fbem-27667	26	36	financial	financial	ADJ
fbem-27667	26	37	.	.	PUNCT
fbem-27667	27	1	on	on	ADP
fbem-27667	27	2	a	a	DET
fbem-27667	27	3	different	different	ADJ
fbem-27667	27	4	note	note	NOUN
fbem-27667	27	5	,	,	PUNCT
fbem-27667	27	6	digital	digital	ADJ
fbem-27667	27	7	finance	finance	NOUN
fbem-27667	27	8	leverages	leverage	VERB
fbem-27667	27	9	big	big	ADJ
fbem-27667	27	10	data	datum	NOUN
fbem-27667	27	11	,	,	PUNCT
fbem-27667	27	12	cloud	cloud	NOUN
fbem-27667	27	13	computing	computing	NOUN
fbem-27667	27	14	,	,	PUNCT
fbem-27667	27	15	and	and	CCONJ
fbem-27667	27	16	other	other	ADJ
fbem-27667	27	17	technological	technological	ADJ
fbem-27667	27	18	tools	tool	NOUN
fbem-27667	27	19	to	to	PART
fbem-27667	27	20	enhance	enhance	VERB
fbem-27667	27	21	service	service	NOUN
fbem-27667	27	22	efficiency	efficiency	NOUN
fbem-27667	27	23	and	and	CCONJ
fbem-27667	27	24	transparency	transparency	NOUN
fbem-27667	27	25	.	.	PUNCT
fbem-27667	28	1	this	this	PRON
fbem-27667	28	2	,	,	PUNCT
fbem-27667	28	3	in	in	ADP
fbem-27667	28	4	turn	turn	NOUN
fbem-27667	28	5	,	,	PUNCT
fbem-27667	28	6	mitigates	mitigate	VERB
fbem-27667	28	7	information	information	NOUN
fbem-27667	28	8	asymmetry	asymmetry	NOUN
fbem-27667	28	9	and	and	CCONJ
fbem-27667	28	10	moral	moral	ADJ
fbem-27667	28	11	hazard	hazard	NOUN
fbem-27667	28	12	,	,	PUNCT
fbem-27667	28	13	ultimately	ultimately	ADV
fbem-27667	28	14	lowering	lower	VERB
fbem-27667	28	15	finance	finance	NOUN
fbem-27667	28	16	costs	cost	NOUN
fbem-27667	28	17	.	.	PUNCT
fbem-27667	29	1	in	in	ADP
fbem-27667	29	2	addition	addition	NOUN
fbem-27667	29	3	,	,	PUNCT
fbem-27667	29	4	digital	digital	ADJ
fbem-27667	29	5	finance	finance	NOUN
fbem-27667	29	6	provides	provide	VERB
fbem-27667	29	7	more	more	ADJ
fbem-27667	29	8	personalized	personalized	ADJ
fbem-27667	29	9	finance	finance	NOUN
fbem-27667	29	10	solutions	solution	NOUN
fbem-27667	29	11	for	for	ADP
fbem-27667	29	12	different	different	ADJ
fbem-27667	29	13	groups	group	NOUN
fbem-27667	29	14	with	with	ADP
fbem-27667	29	15	different	different	ADJ
fbem-27667	29	16	needs	need	NOUN
fbem-27667	29	17	through	through	ADP
fbem-27667	29	18	innovative	innovative	ADJ
fbem-27667	29	19	financial	financial	ADJ
fbem-27667	29	20	products	product	NOUN
fbem-27667	29	21	and	and	CCONJ
fbem-27667	29	22	services	service	NOUN
fbem-27667	29	23	.	.	PUNCT
fbem-27667	30	1	2	2	X
fbem-27667	30	2	.	.	X
fbem-27667	30	3	methods	method	NOUN
fbem-27667	30	4	this	this	DET
fbem-27667	30	5	chapter	chapter	NOUN
fbem-27667	30	6	explains	explain	VERB
fbem-27667	30	7	the	the	DET
fbem-27667	30	8	overall	overall	ADJ
fbem-27667	30	9	methodology	methodology	NOUN
fbem-27667	30	10	used	use	VERB
fbem-27667	30	11	in	in	ADP
fbem-27667	30	12	collecting	collect	VERB
fbem-27667	30	13	data	datum	NOUN
fbem-27667	30	14	and	and	CCONJ
fbem-27667	30	15	addressing	address	VERB
fbem-27667	30	16	the	the	DET
fbem-27667	30	17	research	research	NOUN
fbem-27667	30	18	issues	issue	NOUN
fbem-27667	30	19	.	.	PUNCT
fbem-27667	31	1	it	it	PRON
fbem-27667	31	2	starts	start	VERB
fbem-27667	31	3	with	with	ADP
fbem-27667	31	4	selecting	select	VERB
fbem-27667	31	5	and	and	CCONJ
fbem-27667	31	6	justifying	justify	VERB
fbem-27667	31	7	the	the	DET
fbem-27667	31	8	research	research	NOUN
fbem-27667	31	9	design	design	NOUN
fbem-27667	31	10	used	use	VERB
fbem-27667	31	11	in	in	ADP
fbem-27667	31	12	the	the	DET
fbem-27667	31	13	study	study	NOUN
fbem-27667	31	14	,	,	PUNCT
fbem-27667	31	15	followed	follow	VERB
fbem-27667	31	16	by	by	ADP
fbem-27667	31	17	information	information	NOUN
fbem-27667	31	18	about	about	ADP
fbem-27667	31	19	the	the	DET
fbem-27667	31	20	data	datum	NOUN
fbem-27667	31	21	management	management	NOUN
fbem-27667	31	22	,	,	PUNCT
fbem-27667	31	23	the	the	DET
fbem-27667	31	24	sampling	sample	VERB
fbem-27667	31	25	design	design	NOUN
fbem-27667	31	26	,	,	PUNCT
fbem-27667	31	27	and	and	CCONJ
fbem-27667	31	28	statistical	statistical	ADJ
fbem-27667	31	29	treatment	treatment	NOUN
fbem-27667	31	30	.	.	PUNCT
fbem-27667	32	1	2.1	2.1	NUM
fbem-27667	32	2	.	.	PUNCT
fbem-27667	32	3	research	research	NOUN
fbem-27667	32	4	design	design	VERB
fbem-27667	32	5	the	the	DET
fbem-27667	32	6	current	current	ADJ
fbem-27667	32	7	situation	situation	NOUN
fbem-27667	32	8	information	information	NOUN
fbem-27667	32	9	and	and	CCONJ
fbem-27667	32	10	digital	digital	ADJ
fbem-27667	32	11	financial	financial	ADJ
fbem-27667	32	12	217	217	NUM
fbem-27667	32	13	situation	situation	NOUN
fbem-27667	32	14	of	of	ADP
fbem-27667	32	15	smes	sme	NOUN
fbem-27667	32	16	in	in	ADP
fbem-27667	32	17	dongguan	dongguan	PROPN
fbem-27667	32	18	city	city	PROPN
fbem-27667	32	19	were	be	AUX
fbem-27667	32	20	collected	collect	VERB
fbem-27667	32	21	by	by	ADP
fbem-27667	32	22	means	mean	NOUN
fbem-27667	32	23	of	of	ADP
fbem-27667	32	24	online	online	ADJ
fbem-27667	32	25	questionnaire	questionnaire	NOUN
fbem-27667	32	26	,	,	PUNCT
fbem-27667	32	27	and	and	CCONJ
fbem-27667	32	28	the	the	DET
fbem-27667	32	29	results	result	NOUN
fbem-27667	32	30	of	of	ADP
fbem-27667	32	31	the	the	DET
fbem-27667	32	32	questionnaire	questionnaire	NOUN
fbem-27667	32	33	were	be	AUX
fbem-27667	32	34	processed	process	VERB
fbem-27667	32	35	into	into	ADP
fbem-27667	32	36	quantitative	quantitative	ADJ
fbem-27667	32	37	data	datum	NOUN
fbem-27667	32	38	.	.	PUNCT
fbem-27667	33	1	this	this	DET
fbem-27667	33	2	study	study	NOUN
fbem-27667	33	3	mainly	mainly	ADV
fbem-27667	33	4	uses	use	VERB
fbem-27667	33	5	the	the	DET
fbem-27667	33	6	methods	method	NOUN
fbem-27667	33	7	of	of	ADP
fbem-27667	33	8	expert	expert	NOUN
fbem-27667	33	9	interviews	interview	NOUN
fbem-27667	33	10	and	and	CCONJ
fbem-27667	33	11	literature	literature	NOUN
fbem-27667	33	12	reading	reading	NOUN
fbem-27667	33	13	to	to	PART
fbem-27667	33	14	draw	draw	VERB
fbem-27667	33	15	relevant	relevant	ADJ
fbem-27667	33	16	conclusions	conclusion	NOUN
fbem-27667	33	17	and	and	CCONJ
fbem-27667	33	18	define	define	VERB
fbem-27667	33	19	relevant	relevant	ADJ
fbem-27667	33	20	concepts	concept	NOUN
fbem-27667	33	21	and	and	CCONJ
fbem-27667	33	22	variables	variable	NOUN
fbem-27667	33	23	.	.	PUNCT
fbem-27667	34	1	the	the	DET
fbem-27667	34	2	data	datum	NOUN
fbem-27667	34	3	in	in	ADP
fbem-27667	34	4	this	this	DET
fbem-27667	34	5	study	study	NOUN
fbem-27667	34	6	were	be	AUX
fbem-27667	34	7	obtained	obtain	VERB
fbem-27667	34	8	through	through	ADP
fbem-27667	34	9	questionnaire	questionnaire	NOUN
fbem-27667	34	10	survey	survey	NOUN
fbem-27667	34	11	.	.	PUNCT
fbem-27667	35	1	before	before	ADP
fbem-27667	35	2	the	the	DET
fbem-27667	35	3	formal	formal	ADJ
fbem-27667	35	4	release	release	NOUN
fbem-27667	35	5	of	of	ADP
fbem-27667	35	6	the	the	DET
fbem-27667	35	7	questionnaire	questionnaire	NOUN
fbem-27667	35	8	,	,	PUNCT
fbem-27667	35	9	conduct	conduct	VERB
fbem-27667	35	10	a	a	DET
fbem-27667	35	11	preliminary	preliminary	ADJ
fbem-27667	35	12	investigation	investigation	NOUN
fbem-27667	35	13	in	in	ADP
fbem-27667	35	14	a	a	DET
fbem-27667	35	15	small	small	ADJ
fbem-27667	35	16	area	area	NOUN
fbem-27667	35	17	to	to	PART
fbem-27667	35	18	check	check	VERB
fbem-27667	35	19	whether	whether	SCONJ
fbem-27667	35	20	there	there	PRON
fbem-27667	35	21	are	be	VERB
fbem-27667	35	22	unclear	unclear	ADJ
fbem-27667	35	23	,	,	PUNCT
fbem-27667	35	24	unclear	unclear	ADJ
fbem-27667	35	25	,	,	PUNCT
fbem-27667	35	26	and	and	CCONJ
fbem-27667	35	27	not	not	PART
fbem-27667	35	28	easy	easy	ADJ
fbem-27667	35	29	to	to	PART
fbem-27667	35	30	understand	understand	VERB
fbem-27667	35	31	items	item	NOUN
fbem-27667	35	32	,	,	PUNCT
fbem-27667	35	33	and	and	CCONJ
fbem-27667	35	34	make	make	VERB
fbem-27667	35	35	further	further	ADJ
fbem-27667	35	36	adjustments	adjustment	NOUN
fbem-27667	35	37	and	and	CCONJ
fbem-27667	35	38	modifications	modification	NOUN
fbem-27667	35	39	.	.	PUNCT
fbem-27667	36	1	in	in	ADP
fbem-27667	36	2	the	the	DET
fbem-27667	36	3	process	process	NOUN
fbem-27667	36	4	of	of	ADP
fbem-27667	36	5	analysis	analysis	NOUN
fbem-27667	36	6	,	,	PUNCT
fbem-27667	36	7	quantitative	quantitative	ADJ
fbem-27667	36	8	analysis	analysis	NOUN
fbem-27667	36	9	method	method	NOUN
fbem-27667	36	10	is	be	AUX
fbem-27667	36	11	adopted	adopt	VERB
fbem-27667	36	12	.aiming	.aime	VERB
fbem-27667	36	13	at	at	ADP
fbem-27667	36	14	the	the	DET
fbem-27667	36	15	finance	finance	NOUN
fbem-27667	36	16	constraints	constraint	NOUN
fbem-27667	36	17	of	of	ADP
fbem-27667	36	18	smes	sme	NOUN
fbem-27667	36	19	in	in	ADP
fbem-27667	36	20	dongguan	dongguan	PROPN
fbem-27667	36	21	city	city	PROPN
fbem-27667	36	22	,	,	PUNCT
fbem-27667	36	23	this	this	DET
fbem-27667	36	24	paper	paper	NOUN
fbem-27667	36	25	will	will	AUX
fbem-27667	36	26	propose	propose	VERB
fbem-27667	36	27	a	a	DET
fbem-27667	36	28	digital	digital	ADJ
fbem-27667	36	29	finance	finance	NOUN
fbem-27667	36	30	primer	primer	NOUN
fbem-27667	36	31	to	to	PART
fbem-27667	36	32	ease	ease	VERB
fbem-27667	36	33	finance	finance	NOUN
fbem-27667	36	34	constraints	constraint	NOUN
fbem-27667	36	35	for	for	ADP
fbem-27667	36	36	smes	sme	NOUN
fbem-27667	36	37	in	in	ADP
fbem-27667	36	38	dongguan	dongguan	PROPN
fbem-27667	36	39	,	,	PUNCT
fbem-27667	36	40	china	china	PROPN
fbem-27667	36	41	.	.	PUNCT
fbem-27667	37	1	2.2	2.2	NUM
fbem-27667	37	2	.	.	PUNCT
fbem-27667	38	1	data	datum	NOUN
fbem-27667	38	2	management	management	NOUN
fbem-27667	38	3	the	the	DET
fbem-27667	38	4	data	datum	NOUN
fbem-27667	38	5	will	will	AUX
fbem-27667	38	6	be	be	AUX
fbem-27667	38	7	collected	collect	VERB
fbem-27667	38	8	through	through	ADP
fbem-27667	38	9	400	400	NUM
fbem-27667	38	10	questionnaires	questionnaire	NOUN
fbem-27667	38	11	sent	send	VERB
fbem-27667	38	12	to	to	ADP
fbem-27667	38	13	smes	sme	NOUN
fbem-27667	38	14	in	in	ADP
fbem-27667	38	15	dongguan	dongguan	PROPN
fbem-27667	38	16	,	,	PUNCT
fbem-27667	38	17	china	china	PROPN
fbem-27667	38	18	.	.	PUNCT
fbem-27667	39	1	due	due	ADP
fbem-27667	39	2	to	to	ADP
fbem-27667	39	3	data	datum	NOUN
fbem-27667	39	4	privacy	privacy	NOUN
fbem-27667	39	5	laws	law	NOUN
fbem-27667	39	6	,	,	PUNCT
fbem-27667	39	7	the	the	DET
fbem-27667	39	8	real	real	ADJ
fbem-27667	39	9	names	name	NOUN
fbem-27667	39	10	and	and	CCONJ
fbem-27667	39	11	personal	personal	ADJ
fbem-27667	39	12	information	information	NOUN
fbem-27667	39	13	of	of	ADP
fbem-27667	39	14	these	these	DET
fbem-27667	39	15	individuals	individual	NOUN
fbem-27667	39	16	will	will	AUX
fbem-27667	39	17	not	not	PART
fbem-27667	39	18	be	be	AUX
fbem-27667	39	19	mentioned	mention	VERB
fbem-27667	39	20	in	in	ADP
fbem-27667	39	21	this	this	DET
fbem-27667	39	22	article	article	NOUN
fbem-27667	39	23	.	.	PUNCT
fbem-27667	40	1	quantitative	quantitative	ADJ
fbem-27667	40	2	data	datum	NOUN
fbem-27667	40	3	will	will	AUX
fbem-27667	40	4	be	be	AUX
fbem-27667	40	5	analysed	analyse	VERB
fbem-27667	40	6	.	.	PUNCT
fbem-27667	41	1	descriptive	descriptive	ADJ
fbem-27667	41	2	and	and	CCONJ
fbem-27667	41	3	inferential	inferential	ADJ
fbem-27667	41	4	statistical	statistical	ADJ
fbem-27667	41	5	analysis	analysis	NOUN
fbem-27667	41	6	of	of	ADP
fbem-27667	41	7	quantitative	quantitative	ADJ
fbem-27667	41	8	data	datum	NOUN
fbem-27667	41	9	;	;	PUNCT
fbem-27667	41	10	it	it	PRON
fbem-27667	41	11	should	should	AUX
fbem-27667	41	12	be	be	AUX
fbem-27667	41	13	concise	concise	ADJ
fbem-27667	41	14	in	in	ADP
fbem-27667	41	15	nature	nature	NOUN
fbem-27667	41	16	.	.	PUNCT
fbem-27667	42	1	the	the	DET
fbem-27667	42	2	value	value	NOUN
fbem-27667	42	3	generated	generate	VERB
fbem-27667	42	4	by	by	ADP
fbem-27667	42	5	the	the	DET
fbem-27667	42	6	questionnaire	questionnaire	NOUN
fbem-27667	42	7	will	will	AUX
fbem-27667	42	8	be	be	AUX
fbem-27667	42	9	supported	support	VERB
fbem-27667	42	10	by	by	ADP
fbem-27667	42	11	personnel	personnel	NOUN
fbem-27667	42	12	interviews	interview	NOUN
fbem-27667	42	13	.	.	PUNCT
fbem-27667	43	1	by	by	ADP
fbem-27667	43	2	inviting	invite	VERB
fbem-27667	43	3	different	different	ADJ
fbem-27667	43	4	people	people	NOUN
fbem-27667	43	5	to	to	ADP
fbem-27667	43	6	the	the	DET
fbem-27667	43	7	meeting	meeting	NOUN
fbem-27667	43	8	,	,	PUNCT
fbem-27667	43	9	the	the	DET
fbem-27667	43	10	relative	relative	ADJ
fbem-27667	43	11	importance	importance	NOUN
fbem-27667	43	12	of	of	ADP
fbem-27667	43	13	each	each	DET
fbem-27667	43	14	indicator	indicator	NOUN
fbem-27667	43	15	could	could	AUX
fbem-27667	43	16	be	be	AUX
fbem-27667	43	17	assessed	assess	VERB
fbem-27667	43	18	.	.	PUNCT
fbem-27667	44	1	the	the	DET
fbem-27667	44	2	questionnaire	questionnaire	NOUN
fbem-27667	44	3	used	use	VERB
fbem-27667	44	4	a	a	DET
fbem-27667	44	5	1	1	NUM
fbem-27667	44	6	-	-	SYM
fbem-27667	44	7	4	4	NUM
fbem-27667	44	8	likert	likert	ADJ
fbem-27667	44	9	scale	scale	NOUN
fbem-27667	44	10	.	.	PUNCT
fbem-27667	45	1	the	the	DET
fbem-27667	45	2	expected	expect	VERB
fbem-27667	45	3	output	output	NOUN
fbem-27667	45	4	of	of	ADP
fbem-27667	45	5	this	this	DET
fbem-27667	45	6	paper	paper	NOUN
fbem-27667	45	7	is	be	AUX
fbem-27667	45	8	to	to	PART
fbem-27667	45	9	propose	propose	VERB
fbem-27667	45	10	a	a	DET
fbem-27667	45	11	digital	digital	ADJ
fbem-27667	45	12	finance	finance	NOUN
fbem-27667	45	13	primer	primer	NOUN
fbem-27667	45	14	to	to	PART
fbem-27667	45	15	ease	ease	VERB
fbem-27667	45	16	finance	finance	NOUN
fbem-27667	45	17	constraints	constraint	NOUN
fbem-27667	45	18	for	for	ADP
fbem-27667	45	19	smes	sme	NOUN
fbem-27667	45	20	in	in	ADP
fbem-27667	45	21	donggua	donggua	PROPN
fbem-27667	45	22	china	china	PROPN
fbem-27667	45	23	.	.	PUNCT
fbem-27667	46	1	the	the	DET
fbem-27667	46	2	collected	collect	VERB
fbem-27667	46	3	data	datum	NOUN
fbem-27667	46	4	will	will	AUX
fbem-27667	46	5	be	be	AUX
fbem-27667	46	6	anonymized	anonymize	VERB
fbem-27667	46	7	to	to	PART
fbem-27667	46	8	ensure	ensure	VERB
fbem-27667	46	9	the	the	DET
fbem-27667	46	10	security	security	NOUN
fbem-27667	46	11	of	of	ADP
fbem-27667	46	12	any	any	DET
fbem-27667	46	13	sensitive	sensitive	ADJ
fbem-27667	46	14	information	information	NOUN
fbem-27667	46	15	.	.	PUNCT
fbem-27667	47	1	in	in	ADP
fbem-27667	47	2	any	any	DET
fbem-27667	47	3	case	case	NOUN
fbem-27667	47	4	,	,	PUNCT
fbem-27667	47	5	researchers	researcher	NOUN
fbem-27667	47	6	should	should	AUX
fbem-27667	47	7	abide	abide	VERB
fbem-27667	47	8	by	by	ADP
fbem-27667	47	9	rules	rule	NOUN
fbem-27667	47	10	that	that	PRON
fbem-27667	47	11	protect	protect	VERB
fbem-27667	47	12	the	the	DET
fbem-27667	47	13	privacy	privacy	NOUN
fbem-27667	47	14	of	of	ADP
fbem-27667	47	15	both	both	CCONJ
fbem-27667	47	16	the	the	DET
fbem-27667	47	17	company	company	NOUN
fbem-27667	47	18	and	and	CCONJ
fbem-27667	47	19	the	the	DET
fbem-27667	47	20	person	person	NOUN
fbem-27667	47	21	under	under	ADP
fbem-27667	47	22	investigation	investigation	NOUN
fbem-27667	47	23	.	.	PUNCT
fbem-27667	48	1	in	in	ADP
fbem-27667	48	2	general	general	ADJ
fbem-27667	48	3	,	,	PUNCT
fbem-27667	48	4	all	all	DET
fbem-27667	48	5	data	datum	NOUN
fbem-27667	48	6	will	will	AUX
fbem-27667	48	7	be	be	AUX
fbem-27667	48	8	backed	back	VERB
fbem-27667	48	9	up	up	ADP
fbem-27667	48	10	regularly	regularly	ADV
fbem-27667	48	11	in	in	ADP
fbem-27667	48	12	case	case	NOUN
fbem-27667	48	13	other	other	ADJ
fbem-27667	48	14	researchers	researcher	NOUN
fbem-27667	48	15	verify	verify	VERB
fbem-27667	48	16	and	and	CCONJ
fbem-27667	48	17	provide	provide	VERB
fbem-27667	48	18	additional	additional	ADJ
fbem-27667	48	19	input	input	NOUN
fbem-27667	48	20	for	for	ADP
fbem-27667	48	21	discoveries	discovery	NOUN
fbem-27667	48	22	.	.	PUNCT
fbem-27667	49	1	in	in	ADP
fbem-27667	49	2	the	the	DET
fbem-27667	49	3	data	data	NOUN
fbem-27667	49	4	sorting	sort	VERB
fbem-27667	49	5	stage	stage	NOUN
fbem-27667	49	6	,	,	PUNCT
fbem-27667	49	7	the	the	DET
fbem-27667	49	8	principle	principle	NOUN
fbem-27667	49	9	of	of	ADP
fbem-27667	49	10	eliminating	eliminate	VERB
fbem-27667	49	11	invalid	invalid	ADJ
fbem-27667	49	12	samples	sample	NOUN
fbem-27667	49	13	was	be	AUX
fbem-27667	49	14	adopted	adopt	VERB
fbem-27667	49	15	according	accord	VERB
fbem-27667	49	16	to	to	ADP
fbem-27667	49	17	the	the	DET
fbem-27667	49	18	principle	principle	NOUN
fbem-27667	49	19	of	of	ADP
fbem-27667	49	20	regularity	regularity	NOUN
fbem-27667	49	21	or	or	CCONJ
fbem-27667	49	22	abnormality	abnormality	NOUN
fbem-27667	49	23	of	of	ADP
fbem-27667	49	24	questionnaire	questionnaire	NOUN
fbem-27667	49	25	filling	filling	NOUN
fbem-27667	49	26	or	or	CCONJ
fbem-27667	49	27	the	the	DET
fbem-27667	49	28	principle	principle	NOUN
fbem-27667	49	29	of	of	ADP
fbem-27667	49	30	short	short	ADJ
fbem-27667	49	31	-	-	PUNCT
fbem-27667	49	32	term	term	NOUN
fbem-27667	49	33	questionnaire	questionnaire	NOUN
fbem-27667	49	34	filling	filling	NOUN
fbem-27667	49	35	.	.	PUNCT
fbem-27667	50	1	the	the	DET
fbem-27667	50	2	descriptive	descriptive	ADJ
fbem-27667	50	3	statistical	statistical	ADJ
fbem-27667	50	4	analysis	analysis	NOUN
fbem-27667	50	5	of	of	ADP
fbem-27667	50	6	the	the	DET
fbem-27667	50	7	basic	basic	ADJ
fbem-27667	50	8	information	information	NOUN
fbem-27667	50	9	involved	involve	VERB
fbem-27667	50	10	in	in	ADP
fbem-27667	50	11	spss	spss	PROPN
fbem-27667	50	12	software	software	NOUN
fbem-27667	50	13	is	be	AUX
fbem-27667	50	14	carried	carry	VERB
fbem-27667	50	15	out	out	ADP
fbem-27667	50	16	,	,	PUNCT
fbem-27667	50	17	and	and	CCONJ
fbem-27667	50	18	the	the	DET
fbem-27667	50	19	classification	classification	NOUN
fbem-27667	50	20	,	,	PUNCT
fbem-27667	50	21	reliability	reliability	NOUN
fbem-27667	50	22	and	and	CCONJ
fbem-27667	50	23	validity	validity	NOUN
fbem-27667	50	24	of	of	ADP
fbem-27667	50	25	the	the	DET
fbem-27667	50	26	obtained	obtain	VERB
fbem-27667	50	27	data	datum	NOUN
fbem-27667	50	28	are	be	AUX
fbem-27667	50	29	analyzed	analyze	VERB
fbem-27667	50	30	,	,	PUNCT
fbem-27667	50	31	which	which	PRON
fbem-27667	50	32	provides	provide	VERB
fbem-27667	50	33	data	datum	NOUN
fbem-27667	50	34	support	support	NOUN
fbem-27667	50	35	for	for	ADP
fbem-27667	50	36	this	this	DET
fbem-27667	50	37	paper	paper	NOUN
fbem-27667	50	38	.	.	PUNCT
fbem-27667	51	1	2.3	2.3	NUM
fbem-27667	51	2	.	.	PUNCT
fbem-27667	51	3	sampling	sample	VERB
fbem-27667	51	4	design	design	NOUN
fbem-27667	51	5	2.3.1	2.3.1	NUM
fbem-27667	51	6	.	.	PUNCT
fbem-27667	52	1	sample	sample	NOUN
fbem-27667	52	2	population	population	NOUN
fbem-27667	52	3	using	use	VERB
fbem-27667	52	4	raosoft	raosoft	ADJ
fbem-27667	52	5	software	software	NOUN
fbem-27667	52	6	,	,	PUNCT
fbem-27667	52	7	because	because	SCONJ
fbem-27667	52	8	the	the	DET
fbem-27667	52	9	number	number	NOUN
fbem-27667	52	10	of	of	ADP
fbem-27667	52	11	smes	sme	NOUN
fbem-27667	52	12	using	use	VERB
fbem-27667	52	13	digital	digital	ADJ
fbem-27667	52	14	finance	finance	NOUN
fbem-27667	52	15	is	be	AUX
fbem-27667	52	16	uncertain	uncertain	ADJ
fbem-27667	52	17	,	,	PUNCT
fbem-27667	52	18	the	the	DET
fbem-27667	52	19	sample	sample	NOUN
fbem-27667	52	20	size	size	NOUN
fbem-27667	52	21	is	be	AUX
fbem-27667	52	22	calculated	calculate	VERB
fbem-27667	52	23	to	to	PART
fbem-27667	52	24	be	be	AUX
fbem-27667	52	25	397	397	NUM
fbem-27667	52	26	,	,	PUNCT
fbem-27667	52	27	each	each	DET
fbem-27667	52	28	company	company	NOUN
fbem-27667	52	29	will	will	AUX
fbem-27667	52	30	be	be	AUX
fbem-27667	52	31	given	give	VERB
fbem-27667	52	32	two	two	NUM
fbem-27667	52	33	questionnaires	questionnaire	NOUN
fbem-27667	52	34	.	.	PUNCT
fbem-27667	53	1	for	for	ADP
fbem-27667	53	2	easier	easy	ADJ
fbem-27667	53	3	statistics	statistic	NOUN
fbem-27667	53	4	,	,	PUNCT
fbem-27667	53	5	because	because	SCONJ
fbem-27667	53	6	there	there	PRON
fbem-27667	53	7	may	may	AUX
fbem-27667	53	8	be	be	AUX
fbem-27667	53	9	a	a	DET
fbem-27667	53	10	small	small	ADJ
fbem-27667	53	11	number	number	NOUN
fbem-27667	53	12	of	of	ADP
fbem-27667	53	13	invalid	invalid	ADJ
fbem-27667	53	14	questionnaires	questionnaire	NOUN
fbem-27667	53	15	,	,	PUNCT
fbem-27667	53	16	the	the	DET
fbem-27667	53	17	survey	survey	NOUN
fbem-27667	53	18	will	will	AUX
fbem-27667	53	19	issue	issue	VERB
fbem-27667	53	20	400	400	NUM
fbem-27667	53	21	questionnaires	questionnaire	NOUN
fbem-27667	53	22	,	,	PUNCT
fbem-27667	53	23	a	a	DET
fbem-27667	53	24	total	total	NOUN
fbem-27667	53	25	of	of	ADP
fbem-27667	53	26	200	200	NUM
fbem-27667	53	27	smes	sme	NOUN
fbem-27667	53	28	that	that	PRON
fbem-27667	53	29	have	have	AUX
fbem-27667	53	30	applied	apply	VERB
fbem-27667	53	31	digital	digital	ADJ
fbem-27667	53	32	finance	finance	NOUN
fbem-27667	53	33	,	,	PUNCT
fbem-27667	53	34	the	the	DET
fbem-27667	53	35	survey	survey	NOUN
fbem-27667	53	36	object	object	NOUN
fbem-27667	53	37	of	of	ADP
fbem-27667	53	38	each	each	DET
fbem-27667	53	39	company	company	NOUN
fbem-27667	53	40	is	be	AUX
fbem-27667	53	41	two	two	NUM
fbem-27667	53	42	people	people	NOUN
fbem-27667	53	43	,	,	PUNCT
fbem-27667	53	44	the	the	DET
fbem-27667	53	45	survey	survey	NOUN
fbem-27667	53	46	object	object	NOUN
fbem-27667	53	47	is	be	AUX
fbem-27667	53	48	mainly	mainly	ADV
fbem-27667	53	49	the	the	DET
fbem-27667	53	50	target	target	NOUN
fbem-27667	53	51	small	small	ADJ
fbem-27667	53	52	and	and	CCONJ
fbem-27667	53	53	medium	medium	ADJ
fbem-27667	53	54	-	-	PUNCT
fbem-27667	53	55	sized	sized	ADJ
fbem-27667	53	56	enterprise	enterprise	NOUN
fbem-27667	53	57	owners	owner	NOUN
fbem-27667	53	58	and	and	CCONJ
fbem-27667	53	59	managers	manager	NOUN
fbem-27667	53	60	.	.	PUNCT
fbem-27667	54	1	questionnaire	questionnaire	NOUN
fbem-27667	54	2	format	format	NOUN
fbem-27667	54	3	and	and	CCONJ
fbem-27667	54	4	content	content	NOUN
fbem-27667	54	5	will	will	AUX
fbem-27667	54	6	be	be	AUX
fbem-27667	54	7	designed	design	VERB
fbem-27667	54	8	using	use	VERB
fbem-27667	54	9	questionnaire	questionnaire	NOUN
fbem-27667	54	10	star	star	NOUN
fbem-27667	54	11	software	software	PROPN
fbem-27667	54	12	.	.	PUNCT
fbem-27667	55	1	research	research	NOUN
fbem-27667	55	2	questionnaires	questionnaire	NOUN
fbem-27667	55	3	are	be	AUX
fbem-27667	55	4	only	only	ADV
fbem-27667	55	5	one	one	NUM
fbem-27667	55	6	form	form	NOUN
fbem-27667	55	7	of	of	ADP
fbem-27667	55	8	online	online	ADJ
fbem-27667	55	9	questionnaire	questionnaire	NOUN
fbem-27667	55	10	distribution	distribution	NOUN
fbem-27667	55	11	.	.	PUNCT
fbem-27667	56	1	distribution	distribution	NOUN
fbem-27667	56	2	over	over	ADP
fbem-27667	56	3	the	the	DET
fbem-27667	56	4	network	network	NOUN
fbem-27667	56	5	enables	enable	VERB
fbem-27667	56	6	fast	fast	ADJ
fbem-27667	56	7	distribution	distribution	NOUN
fbem-27667	56	8	and	and	CCONJ
fbem-27667	56	9	recovery	recovery	NOUN
fbem-27667	56	10	as	as	ADV
fbem-27667	56	11	well	well	ADV
fbem-27667	56	12	as	as	ADP
fbem-27667	56	13	data	data	NOUN
fbem-27667	56	14	collection	collection	NOUN
fbem-27667	56	15	.	.	PUNCT
fbem-27667	57	1	this	this	DET
fbem-27667	57	2	questionnaire	questionnaire	NOUN
fbem-27667	57	3	survey	survey	NOUN
fbem-27667	57	4	is	be	AUX
fbem-27667	57	5	based	base	VERB
fbem-27667	57	6	on	on	ADP
fbem-27667	57	7	the	the	DET
fbem-27667	57	8	principle	principle	NOUN
fbem-27667	57	9	of	of	ADP
fbem-27667	57	10	excluding	exclude	VERB
fbem-27667	57	11	invalid	invalid	ADJ
fbem-27667	57	12	questionnaires	questionnaire	NOUN
fbem-27667	57	13	proposed	propose	VERB
fbem-27667	57	14	by	by	ADP
fbem-27667	57	15	relevant	relevant	ADJ
fbem-27667	57	16	scholars	scholar	NOUN
fbem-27667	57	17	in	in	ADP
fbem-27667	57	18	the	the	DET
fbem-27667	57	19	data	data	NOUN
fbem-27667	57	20	sorting	sort	VERB
fbem-27667	57	21	stage	stage	NOUN
fbem-27667	57	22	,	,	PUNCT
fbem-27667	57	23	that	that	ADV
fbem-27667	57	24	is	is	ADV
fbem-27667	57	25	,	,	PUNCT
fbem-27667	57	26	excluding	exclude	VERB
fbem-27667	57	27	invalid	invalid	ADJ
fbem-27667	57	28	samples	sample	NOUN
fbem-27667	57	29	according	accord	VERB
fbem-27667	57	30	to	to	ADP
fbem-27667	57	31	the	the	DET
fbem-27667	57	32	principle	principle	NOUN
fbem-27667	57	33	of	of	ADP
fbem-27667	57	34	regularity	regularity	NOUN
fbem-27667	57	35	or	or	CCONJ
fbem-27667	57	36	anomaly	anomaly	NOUN
fbem-27667	57	37	of	of	ADP
fbem-27667	57	38	filling	fill	VERB
fbem-27667	57	39	questionnaires	questionnaire	NOUN
fbem-27667	57	40	or	or	CCONJ
fbem-27667	57	41	the	the	DET
fbem-27667	57	42	principle	principle	NOUN
fbem-27667	57	43	of	of	ADP
fbem-27667	57	44	filling	fill	VERB
fbem-27667	57	45	questionnaires	questionnaire	NOUN
fbem-27667	57	46	within	within	ADP
fbem-27667	57	47	a	a	DET
fbem-27667	57	48	short	short	ADJ
fbem-27667	57	49	time	time	NOUN
fbem-27667	57	50	.	.	PUNCT
fbem-27667	58	1	spss	spss	PROPN
fbem-27667	58	2	software	software	NOUN
fbem-27667	58	3	is	be	AUX
fbem-27667	58	4	used	use	VERB
fbem-27667	58	5	for	for	ADP
fbem-27667	58	6	descriptive	descriptive	ADJ
fbem-27667	58	7	statistical	statistical	ADJ
fbem-27667	58	8	analysis	analysis	NOUN
fbem-27667	58	9	of	of	ADP
fbem-27667	58	10	basic	basic	ADJ
fbem-27667	58	11	information	information	NOUN
fbem-27667	58	12	,	,	PUNCT
fbem-27667	58	13	and	and	CCONJ
fbem-27667	58	14	the	the	DET
fbem-27667	58	15	obtained	obtain	VERB
fbem-27667	58	16	data	datum	NOUN
fbem-27667	58	17	is	be	AUX
fbem-27667	58	18	sorted	sort	VERB
fbem-27667	58	19	out	out	ADP
fbem-27667	58	20	and	and	CCONJ
fbem-27667	58	21	analyzed	analyze	VERB
fbem-27667	58	22	for	for	ADP
fbem-27667	58	23	reliability	reliability	NOUN
fbem-27667	58	24	and	and	CCONJ
fbem-27667	58	25	validity	validity	NOUN
fbem-27667	58	26	,	,	PUNCT
fbem-27667	58	27	which	which	PRON
fbem-27667	58	28	provides	provide	VERB
fbem-27667	58	29	data	datum	NOUN
fbem-27667	58	30	support	support	NOUN
fbem-27667	58	31	for	for	ADP
fbem-27667	58	32	this	this	DET
fbem-27667	58	33	paper	paper	NOUN
fbem-27667	58	34	.	.	PUNCT
fbem-27667	59	1	lastly	lastly	ADV
fbem-27667	59	2	,	,	PUNCT
fbem-27667	59	3	the	the	DET
fbem-27667	59	4	pertinent	pertinent	ADJ
fbem-27667	59	5	components	component	NOUN
fbem-27667	59	6	and	and	CCONJ
fbem-27667	59	7	impacting	impact	VERB
fbem-27667	59	8	variables	variable	NOUN
fbem-27667	59	9	are	be	AUX
fbem-27667	59	10	examined	examine	VERB
fbem-27667	59	11	using	use	VERB
fbem-27667	59	12	principal	principal	ADJ
fbem-27667	59	13	component	component	NOUN
fbem-27667	59	14	analysis	analysis	NOUN
fbem-27667	59	15	and	and	CCONJ
fbem-27667	59	16	exploratory	exploratory	ADJ
fbem-27667	59	17	factor	factor	NOUN
fbem-27667	59	18	analysis	analysis	NOUN
fbem-27667	59	19	.	.	PUNCT
fbem-27667	60	1	2.3.2	2.3.2	X
fbem-27667	60	2	.	.	PUNCT
fbem-27667	60	3	respondents	respondent	NOUN
fbem-27667	60	4	the	the	DET
fbem-27667	60	5	study	study	NOUN
fbem-27667	60	6	will	will	AUX
fbem-27667	60	7	cover	cover	VERB
fbem-27667	60	8	those	those	PRON
fbem-27667	60	9	directly	directly	ADV
fbem-27667	60	10	involved	involve	VERB
fbem-27667	60	11	in	in	ADP
fbem-27667	60	12	digital	digital	ADJ
fbem-27667	60	13	finance	finance	NOUN
fbem-27667	60	14	for	for	ADP
fbem-27667	60	15	smes	sme	NOUN
fbem-27667	60	16	in	in	ADP
fbem-27667	60	17	dongguan	dongguan	PROPN
fbem-27667	60	18	.	.	PUNCT
fbem-27667	61	1	to	to	PART
fbem-27667	61	2	guarantee	guarantee	VERB
fbem-27667	61	3	the	the	DET
fbem-27667	61	4	completeness	completeness	NOUN
fbem-27667	61	5	of	of	ADP
fbem-27667	61	6	the	the	DET
fbem-27667	61	7	survey	survey	NOUN
fbem-27667	61	8	questionnaire	questionnaire	NOUN
fbem-27667	61	9	,	,	PUNCT
fbem-27667	61	10	we	we	PRON
fbem-27667	61	11	collected	collect	VERB
fbem-27667	61	12	a	a	DET
fbem-27667	61	13	list	list	NOUN
fbem-27667	61	14	of	of	ADP
fbem-27667	61	15	owners	owner	NOUN
fbem-27667	61	16	and	and	CCONJ
fbem-27667	61	17	managers	manager	NOUN
fbem-27667	61	18	of	of	ADP
fbem-27667	61	19	smes	sme	NOUN
fbem-27667	61	20	that	that	PRON
fbem-27667	61	21	have	have	AUX
fbem-27667	61	22	applied	apply	VERB
fbem-27667	61	23	digital	digital	ADJ
fbem-27667	61	24	finance	finance	NOUN
fbem-27667	61	25	in	in	ADP
fbem-27667	61	26	dongguan	dongguan	PROPN
fbem-27667	61	27	by	by	ADP
fbem-27667	61	28	using	use	VERB
fbem-27667	61	29	a	a	DET
fbem-27667	61	30	regional	regional	ADJ
fbem-27667	61	31	random	random	ADJ
fbem-27667	61	32	sampling	sampling	NOUN
fbem-27667	61	33	method	method	NOUN
fbem-27667	61	34	.	.	PUNCT
fbem-27667	62	1	dongguan	dongguan	PROPN
fbem-27667	62	2	smes	smes	PROPN
fbem-27667	62	3	personnel	personnel	NOUN
fbem-27667	62	4	will	will	AUX
fbem-27667	62	5	be	be	AUX
fbem-27667	62	6	the	the	DET
fbem-27667	62	7	target	target	NOUN
fbem-27667	62	8	group	group	NOUN
fbem-27667	62	9	of	of	ADP
fbem-27667	62	10	the	the	DET
fbem-27667	62	11	survey	survey	NOUN
fbem-27667	62	12	.	.	PUNCT
fbem-27667	63	1	the	the	DET
fbem-27667	63	2	researchers	researcher	NOUN
fbem-27667	63	3	will	will	AUX
fbem-27667	63	4	randomly	randomly	ADV
fbem-27667	63	5	select	select	VERB
fbem-27667	63	6	an	an	DET
fbem-27667	63	7	appropriate	appropriate	ADJ
fbem-27667	63	8	number	number	NOUN
fbem-27667	63	9	of	of	ADP
fbem-27667	63	10	respondents	respondent	NOUN
fbem-27667	63	11	from	from	ADP
fbem-27667	63	12	each	each	DET
fbem-27667	63	13	category	category	NOUN
fbem-27667	63	14	of	of	ADP
fbem-27667	63	15	subject	subject	NOUN
fbem-27667	63	16	according	accord	VERB
fbem-27667	63	17	to	to	ADP
fbem-27667	63	18	expert	expert	ADJ
fbem-27667	63	19	recommendations	recommendation	NOUN
fbem-27667	63	20	to	to	PART
fbem-27667	63	21	obtain	obtain	VERB
fbem-27667	63	22	valid	valid	ADJ
fbem-27667	63	23	data	datum	NOUN
fbem-27667	63	24	.	.	PUNCT
fbem-27667	64	1	2.3.3	2.3.3	X
fbem-27667	64	2	.	.	PUNCT
fbem-27667	64	3	survey	survey	NOUN
fbem-27667	64	4	instrument	instrument	NOUN
fbem-27667	64	5	in	in	ADP
fbem-27667	64	6	this	this	DET
fbem-27667	64	7	study	study	NOUN
fbem-27667	64	8	,	,	PUNCT
fbem-27667	64	9	we	we	PRON
fbem-27667	64	10	initially	initially	ADV
fbem-27667	64	11	crafted	craft	VERB
fbem-27667	64	12	a	a	DET
fbem-27667	64	13	survey	survey	NOUN
fbem-27667	64	14	instrument	instrument	NOUN
fbem-27667	64	15	comprising	comprise	VERB
fbem-27667	64	16	two	two	NUM
fbem-27667	64	17	primary	primary	ADJ
fbem-27667	64	18	sections	section	NOUN
fbem-27667	64	19	:	:	PUNCT
fbem-27667	64	20	the	the	DET
fbem-27667	64	21	initial	initial	ADJ
fbem-27667	64	22	section	section	NOUN
fbem-27667	64	23	focuses	focus	VERB
fbem-27667	64	24	on	on	ADP
fbem-27667	64	25	foundational	foundational	ADJ
fbem-27667	64	26	details	detail	NOUN
fbem-27667	64	27	.	.	PUNCT
fbem-27667	65	1	this	this	DET
fbem-27667	65	2	information	information	NOUN
fbem-27667	65	3	mainly	mainly	ADV
fbem-27667	65	4	includes	include	VERB
fbem-27667	65	5	the	the	DET
fbem-27667	65	6	respondent	respondent	NOUN
fbem-27667	65	7	's	's	PART
fbem-27667	65	8	job	job	NOUN
fbem-27667	65	9	title	title	NOUN
fbem-27667	65	10	,	,	PUNCT
fbem-27667	65	11	founding	founding	NOUN
fbem-27667	65	12	time	time	NOUN
fbem-27667	65	13	,	,	PUNCT
fbem-27667	65	14	company	company	NOUN
fbem-27667	65	15	size	size	NOUN
fbem-27667	65	16	,	,	PUNCT
fbem-27667	65	17	industry	industry	NOUN
fbem-27667	65	18	type	type	NOUN
fbem-27667	65	19	,	,	PUNCT
fbem-27667	65	20	digital	digital	ADJ
fbem-27667	65	21	finance	finance	NOUN
fbem-27667	65	22	service	service	NOUN
fbem-27667	65	23	life	life	NOUN
fbem-27667	65	24	,	,	PUNCT
fbem-27667	65	25	company	company	NOUN
fbem-27667	65	26	nature	nature	NOUN
fbem-27667	65	27	,	,	PUNCT
fbem-27667	65	28	and	and	CCONJ
fbem-27667	65	29	company	company	NOUN
fbem-27667	65	30	location	location	NOUN
fbem-27667	65	31	.	.	PUNCT
fbem-27667	66	1	the	the	DET
fbem-27667	66	2	questionnaire	questionnaire	NOUN
fbem-27667	66	3	's	's	PART
fbem-27667	66	4	core	core	NOUN
fbem-27667	66	5	section	section	NOUN
fbem-27667	66	6	comprises	comprise	VERB
fbem-27667	66	7	three	three	NUM
fbem-27667	66	8	primary	primary	ADJ
fbem-27667	66	9	aspects	aspect	NOUN
fbem-27667	66	10	of	of	ADP
fbem-27667	66	11	digital	digital	ADJ
fbem-27667	66	12	finance	finance	NOUN
fbem-27667	66	13	coverage	coverage	NOUN
fbem-27667	66	14	.	.	PUNCT
fbem-27667	67	1	the	the	DET
fbem-27667	67	2	coverage	coverage	NOUN
fbem-27667	67	3	of	of	ADP
fbem-27667	67	4	digital	digital	ADJ
fbem-27667	67	5	finance	finance	NOUN
fbem-27667	67	6	,	,	PUNCT
fbem-27667	67	7	the	the	DET
fbem-27667	67	8	depth	depth	NOUN
fbem-27667	67	9	of	of	ADP
fbem-27667	67	10	use	use	NOUN
fbem-27667	67	11	of	of	ADP
fbem-27667	67	12	digital	digital	ADJ
fbem-27667	67	13	finance	finance	NOUN
fbem-27667	67	14	,	,	PUNCT
fbem-27667	67	15	the	the	DET
fbem-27667	67	16	degree	degree	NOUN
fbem-27667	67	17	of	of	ADP
fbem-27667	67	18	digitalization	digitalization	NOUN
fbem-27667	67	19	of	of	ADP
fbem-27667	67	20	digital	digital	ADJ
fbem-27667	67	21	finance	finance	NOUN
fbem-27667	67	22	and	and	CCONJ
fbem-27667	67	23	other	other	ADJ
fbem-27667	67	24	measurement	measurement	NOUN
fbem-27667	67	25	items	item	NOUN
fbem-27667	67	26	refer	refer	VERB
fbem-27667	67	27	to	to	ADP
fbem-27667	67	28	the	the	DET
fbem-27667	67	29	maturity	maturity	NOUN
fbem-27667	67	30	scale	scale	NOUN
fbem-27667	67	31	of	of	ADP
fbem-27667	67	32	relevant	relevant	ADJ
fbem-27667	67	33	research	research	NOUN
fbem-27667	67	34	.	.	PUNCT
fbem-27667	68	1	by	by	ADP
fbem-27667	68	2	reviewing	review	VERB
fbem-27667	68	3	pertinent	pertinent	ADJ
fbem-27667	68	4	scholarly	scholarly	ADJ
fbem-27667	68	5	materials	material	NOUN
fbem-27667	68	6	from	from	ADP
fbem-27667	68	7	both	both	CCONJ
fbem-27667	68	8	domestic	domestic	ADJ
fbem-27667	68	9	and	and	CCONJ
fbem-27667	68	10	international	international	ADJ
fbem-27667	68	11	sources	source	NOUN
fbem-27667	68	12	,	,	PUNCT
fbem-27667	68	13	this	this	DET
fbem-27667	68	14	study	study	NOUN
fbem-27667	68	15	identifies	identify	VERB
fbem-27667	68	16	pertinent	pertinent	ADJ
fbem-27667	68	17	measurement	measurement	NOUN
fbem-27667	68	18	items	item	NOUN
fbem-27667	68	19	from	from	ADP
fbem-27667	68	20	established	establish	VERB
fbem-27667	68	21	scales	scale	NOUN
fbem-27667	68	22	that	that	PRON
fbem-27667	68	23	are	be	AUX
fbem-27667	68	24	currently	currently	ADV
fbem-27667	68	25	under	under	ADP
fbem-27667	68	26	investigation	investigation	NOUN
fbem-27667	68	27	,	,	PUNCT
fbem-27667	68	28	conducts	conduct	VERB
fbem-27667	68	29	prequestionnaire	prequestionnaire	NOUN
fbem-27667	68	30	tests	test	NOUN
fbem-27667	68	31	,	,	PUNCT
fbem-27667	68	32	discusses	discuss	VERB
fbem-27667	68	33	the	the	DET
fbem-27667	68	34	scientificity	scientificity	NOUN
fbem-27667	68	35	and	and	CCONJ
fbem-27667	68	36	revises	revise	VERB
fbem-27667	68	37	unreasonable	unreasonable	ADJ
fbem-27667	68	38	items	item	NOUN
fbem-27667	68	39	.	.	PUNCT
fbem-27667	69	1	the	the	DET
fbem-27667	69	2	rating	rating	NOUN
fbem-27667	69	3	reflects	reflect	VERB
fbem-27667	69	4	the	the	DET
fbem-27667	69	5	level	level	NOUN
fbem-27667	69	6	of	of	ADP
fbem-27667	69	7	alignment	alignment	NOUN
fbem-27667	69	8	between	between	ADP
fbem-27667	69	9	the	the	DET
fbem-27667	69	10	indicator	indicator	NOUN
fbem-27667	69	11	and	and	CCONJ
fbem-27667	69	12	the	the	DET
fbem-27667	69	13	current	current	ADJ
fbem-27667	69	14	situation	situation	NOUN
fbem-27667	69	15	's	's	PART
fbem-27667	69	16	description	description	NOUN
fbem-27667	69	17	,	,	PUNCT
fbem-27667	69	18	with	with	ADP
fbem-27667	69	19	a	a	DET
fbem-27667	69	20	higher	high	ADJ
fbem-27667	69	21	rating	rating	NOUN
fbem-27667	69	22	signifying	signify	VERB
fbem-27667	69	23	a	a	DET
fbem-27667	69	24	greater	great	ADJ
fbem-27667	69	25	degree	degree	NOUN
fbem-27667	69	26	of	of	ADP
fbem-27667	69	27	consistency	consistency	NOUN
fbem-27667	69	28	.	.	PUNCT
fbem-27667	70	1	choose	choose	VERB
fbem-27667	70	2	1	1	NUM
fbem-27667	70	3	indicates	indicate	VERB
fbem-27667	70	4	strong	strong	ADJ
fbem-27667	70	5	disagreement	disagreement	NOUN
fbem-27667	70	6	,	,	PUNCT
fbem-27667	70	7	choose	choose	VERB
fbem-27667	70	8	2	2	NUM
fbem-27667	70	9	indicates	indicate	VERB
fbem-27667	70	10	disagreement	disagreement	NOUN
fbem-27667	70	11	,	,	PUNCT
fbem-27667	70	12	choose	choose	VERB
fbem-27667	70	13	3	3	NUM
fbem-27667	70	14	indicates	indicate	VERB
fbem-27667	70	15	agreement	agreement	NOUN
fbem-27667	70	16	,	,	PUNCT
fbem-27667	70	17	and	and	CCONJ
fbem-27667	70	18	choose	choose	VERB
fbem-27667	70	19	4	4	NUM
fbem-27667	70	20	indicates	indicate	VERB
fbem-27667	70	21	strong	strong	ADJ
fbem-27667	70	22	agreement	agreement	NOUN
fbem-27667	70	23	.	.	PUNCT
fbem-27667	71	1	2.4	2.4	NUM
fbem-27667	71	2	.	.	PUNCT
fbem-27667	71	3	control	control	NOUN
fbem-27667	71	4	procedure	procedure	NOUN
fbem-27667	71	5	in	in	ADP
fbem-27667	71	6	investigating	investigate	VERB
fbem-27667	71	7	the	the	DET
fbem-27667	71	8	digital	digital	ADJ
fbem-27667	71	9	finance	finance	NOUN
fbem-27667	71	10	applications	application	NOUN
fbem-27667	71	11	of	of	ADP
fbem-27667	71	12	smes	sme	NOUN
fbem-27667	71	13	located	locate	VERB
fbem-27667	71	14	in	in	ADP
fbem-27667	71	15	dongguan	dongguan	PROPN
fbem-27667	71	16	,	,	PUNCT
fbem-27667	71	17	china	china	PROPN
fbem-27667	71	18	,	,	PUNCT
fbem-27667	71	19	a	a	DET
fbem-27667	71	20	stringent	stringent	ADJ
fbem-27667	71	21	oversight	oversight	NOUN
fbem-27667	71	22	mechanism	mechanism	NOUN
fbem-27667	71	23	has	have	AUX
fbem-27667	71	24	been	be	AUX
fbem-27667	71	25	implemented	implement	VERB
fbem-27667	71	26	to	to	PART
fbem-27667	71	27	guarantee	guarantee	VERB
fbem-27667	71	28	the	the	DET
fbem-27667	71	29	precision	precision	NOUN
fbem-27667	71	30	,	,	PUNCT
fbem-27667	71	31	trustworthiness	trustworthiness	NOUN
fbem-27667	71	32	,	,	PUNCT
fbem-27667	71	33	and	and	CCONJ
fbem-27667	71	34	appropriateness	appropriateness	NOUN
fbem-27667	71	35	of	of	ADP
fbem-27667	71	36	the	the	DET
fbem-27667	71	37	study	study	NOUN
fbem-27667	71	38	's	's	PART
fbem-27667	71	39	conclusions	conclusion	NOUN
fbem-27667	71	40	.	.	PUNCT
fbem-27667	72	1	this	this	DET
fbem-27667	72	2	oversight	oversight	NOUN
fbem-27667	72	3	mechanism	mechanism	NOUN
fbem-27667	72	4	spans	span	VERB
fbem-27667	72	5	multiple	multiple	ADJ
fbem-27667	72	6	facets	facet	NOUN
fbem-27667	72	7	of	of	ADP
fbem-27667	72	8	the	the	DET
fbem-27667	72	9	research	research	NOUN
fbem-27667	72	10	endeavor	endeavor	NOUN
fbem-27667	72	11	,	,	PUNCT
fbem-27667	72	12	encompassing	encompass	VERB
fbem-27667	72	13	the	the	DET
fbem-27667	72	14	stages	stage	NOUN
fbem-27667	72	15	from	from	ADP
fbem-27667	72	16	participant	participant	ADJ
fbem-27667	72	17	selection	selection	NOUN
fbem-27667	72	18	to	to	ADP
fbem-27667	72	19	data	datum	NOUN
fbem-27667	72	20	acquisition	acquisition	NOUN
fbem-27667	72	21	and	and	CCONJ
fbem-27667	72	22	interpretation	interpretation	NOUN
fbem-27667	72	23	.	.	PUNCT
fbem-27667	73	1	sample	sample	NOUN
fbem-27667	73	2	selection	selection	NOUN
fbem-27667	73	3	control	control	NOUN
fbem-27667	73	4	.	.	PUNCT
fbem-27667	74	1	to	to	PART
fbem-27667	74	2	ensure	ensure	VERB
fbem-27667	74	3	the	the	DET
fbem-27667	74	4	comprehensiveness	comprehensiveness	NOUN
fbem-27667	74	5	of	of	ADP
fbem-27667	74	6	the	the	DET
fbem-27667	74	7	questionnaire	questionnaire	NOUN
fbem-27667	74	8	,	,	PUNCT
fbem-27667	74	9	stratified	stratify	VERB
fbem-27667	74	10	random	random	ADJ
fbem-27667	74	11	sampling	sampling	NOUN
fbem-27667	74	12	was	be	AUX
fbem-27667	74	13	employed	employ	VERB
fbem-27667	74	14	to	to	PART
fbem-27667	74	15	select	select	VERB
fbem-27667	74	16	the	the	DET
fbem-27667	74	17	target	target	NOUN
fbem-27667	74	18	group	group	NOUN
fbem-27667	74	19	.	.	PUNCT
fbem-27667	75	1	this	this	DET
fbem-27667	75	2	process	process	NOUN
fbem-27667	75	3	involved	involve	VERB
fbem-27667	75	4	identifying	identify	VERB
fbem-27667	75	5	three	three	NUM
fbem-27667	75	6	main	main	ADJ
fbem-27667	75	7	categories	category	NOUN
fbem-27667	75	8	of	of	ADP
fbem-27667	75	9	personnel	personnel	NOUN
fbem-27667	75	10	involved	involve	VERB
fbem-27667	75	11	in	in	ADP
fbem-27667	75	12	digital	digital	ADJ
fbem-27667	75	13	finance	finance	NOUN
fbem-27667	75	14	in	in	ADP
fbem-27667	75	15	dongguan	dongguan	PROPN
fbem-27667	75	16	:	:	PUNCT
fbem-27667	75	17	digital	digital	ADJ
fbem-27667	75	18	financial	financial	ADJ
fbem-27667	75	19	practitioners	practitioner	NOUN
fbem-27667	75	20	,	,	PUNCT
fbem-27667	75	21	digital	digital	ADJ
fbem-27667	75	22	financial	financial	ADJ
fbem-27667	75	23	experts	expert	NOUN
fbem-27667	75	24	,	,	PUNCT
fbem-27667	75	25	and	and	CCONJ
fbem-27667	75	26	sme	sme	NOUN
fbem-27667	75	27	personnel	personnel	NOUN
fbem-27667	75	28	.	.	PUNCT
fbem-27667	76	1	by	by	ADP
fbem-27667	76	2	dividing	divide	VERB
fbem-27667	76	3	the	the	DET
fbem-27667	76	4	population	population	NOUN
fbem-27667	76	5	into	into	ADP
fbem-27667	76	6	these	these	DET
fbem-27667	76	7	strata	strata	NOUN
fbem-27667	76	8	,	,	PUNCT
fbem-27667	76	9	we	we	PRON
fbem-27667	76	10	were	be	AUX
fbem-27667	76	11	able	able	ADJ
fbem-27667	76	12	to	to	PART
fbem-27667	76	13	ensure	ensure	VERB
fbem-27667	76	14	that	that	SCONJ
fbem-27667	76	15	the	the	DET
fbem-27667	76	16	sample	sample	NOUN
fbem-27667	76	17	represents	represent	VERB
fbem-27667	76	18	a	a	DET
fbem-27667	76	19	wide	wide	ADJ
fbem-27667	76	20	range	range	NOUN
fbem-27667	76	21	of	of	ADP
fbem-27667	76	22	perspectives	perspective	NOUN
fbem-27667	76	23	and	and	CCONJ
fbem-27667	76	24	experiences	experience	NOUN
fbem-27667	76	25	.	.	PUNCT
fbem-27667	77	1	questionnaire	questionnaire	NOUN
fbem-27667	77	2	design	design	NOUN
fbem-27667	77	3	control	control	NOUN
fbem-27667	77	4	.	.	PUNCT
fbem-27667	78	1	the	the	DET
fbem-27667	78	2	questionnaire	questionnaire	NOUN
fbem-27667	78	3	was	be	AUX
fbem-27667	78	4	218	218	NUM
fbem-27667	78	5	designed	design	VERB
fbem-27667	78	6	to	to	PART
fbem-27667	78	7	capture	capture	VERB
fbem-27667	78	8	both	both	DET
fbem-27667	78	9	numerical	numerical	ADJ
fbem-27667	78	10	and	and	CCONJ
fbem-27667	78	11	descriptive	descriptive	ADJ
fbem-27667	78	12	information	information	NOUN
fbem-27667	78	13	.	.	PUNCT
fbem-27667	79	1	to	to	PART
fbem-27667	79	2	ensure	ensure	VERB
fbem-27667	79	3	the	the	DET
fbem-27667	79	4	validity	validity	NOUN
fbem-27667	79	5	of	of	ADP
fbem-27667	79	6	the	the	DET
fbem-27667	79	7	measurement	measurement	NOUN
fbem-27667	79	8	instruments	instrument	NOUN
fbem-27667	79	9	,	,	PUNCT
fbem-27667	79	10	the	the	DET
fbem-27667	79	11	questionnaire	questionnaire	NOUN
fbem-27667	79	12	underwent	undergo	VERB
fbem-27667	79	13	several	several	ADJ
fbem-27667	79	14	rounds	round	NOUN
fbem-27667	79	15	of	of	ADP
fbem-27667	79	16	revisions	revision	NOUN
fbem-27667	79	17	based	base	VERB
fbem-27667	79	18	on	on	ADP
fbem-27667	79	19	feedback	feedback	NOUN
fbem-27667	79	20	from	from	ADP
fbem-27667	79	21	experts	expert	NOUN
fbem-27667	79	22	in	in	ADP
fbem-27667	79	23	the	the	DET
fbem-27667	79	24	field	field	NOUN
fbem-27667	79	25	.	.	PUNCT
fbem-27667	80	1	the	the	DET
fbem-27667	80	2	questions	question	NOUN
fbem-27667	80	3	were	be	AUX
fbem-27667	80	4	designed	design	VERB
fbem-27667	80	5	to	to	PART
fbem-27667	80	6	be	be	AUX
fbem-27667	80	7	clear	clear	ADJ
fbem-27667	80	8	,	,	PUNCT
fbem-27667	80	9	concise	concise	ADJ
fbem-27667	80	10	,	,	PUNCT
fbem-27667	80	11	and	and	CCONJ
fbem-27667	80	12	relevant	relevant	ADJ
fbem-27667	80	13	to	to	ADP
fbem-27667	80	14	the	the	DET
fbem-27667	80	15	research	research	NOUN
fbem-27667	80	16	objectives	objective	NOUN
fbem-27667	80	17	.	.	PUNCT
fbem-27667	81	1	data	datum	NOUN
fbem-27667	81	2	collection	collection	NOUN
fbem-27667	81	3	control	control	PROPN
fbem-27667	81	4	.	.	PUNCT
fbem-27667	82	1	data	datum	NOUN
fbem-27667	82	2	collection	collection	NOUN
fbem-27667	82	3	was	be	AUX
fbem-27667	82	4	conducted	conduct	VERB
fbem-27667	82	5	through	through	ADP
fbem-27667	82	6	both	both	CCONJ
fbem-27667	82	7	online	online	ADJ
fbem-27667	82	8	and	and	CCONJ
fbem-27667	82	9	offline	offline	ADJ
fbem-27667	82	10	surveys	survey	NOUN
fbem-27667	82	11	.	.	PUNCT
fbem-27667	83	1	to	to	PART
fbem-27667	83	2	minimize	minimize	VERB
fbem-27667	83	3	bias	bias	NOUN
fbem-27667	83	4	and	and	CCONJ
fbem-27667	83	5	ensure	ensure	VERB
fbem-27667	83	6	the	the	DET
fbem-27667	83	7	reliability	reliability	NOUN
fbem-27667	83	8	of	of	ADP
fbem-27667	83	9	the	the	DET
fbem-27667	83	10	data	datum	NOUN
fbem-27667	83	11	,	,	PUNCT
fbem-27667	83	12	strict	strict	ADJ
fbem-27667	83	13	instructions	instruction	NOUN
fbem-27667	83	14	were	be	AUX
fbem-27667	83	15	provided	provide	VERB
fbem-27667	83	16	to	to	ADP
fbem-27667	83	17	the	the	DET
fbem-27667	83	18	respondents	respondent	NOUN
fbem-27667	83	19	regarding	regard	VERB
fbem-27667	83	20	the	the	DET
fbem-27667	83	21	administration	administration	NOUN
fbem-27667	83	22	of	of	ADP
fbem-27667	83	23	the	the	DET
fbem-27667	83	24	questionnaire	questionnaire	NOUN
fbem-27667	83	25	.	.	PUNCT
fbem-27667	84	1	the	the	DET
fbem-27667	84	2	respondents	respondent	NOUN
fbem-27667	84	3	were	be	AUX
fbem-27667	84	4	trained	train	VERB
fbem-27667	84	5	to	to	PART
fbem-27667	84	6	ensure	ensure	VERB
fbem-27667	84	7	they	they	PRON
fbem-27667	84	8	followed	follow	VERB
fbem-27667	84	9	the	the	DET
fbem-27667	84	10	protocol	protocol	NOUN
fbem-27667	84	11	consistently	consistently	ADV
fbem-27667	84	12	and	and	CCONJ
fbem-27667	84	13	accurately	accurately	ADV
fbem-27667	84	14	recorded	record	VERB
fbem-27667	84	15	the	the	DET
fbem-27667	84	16	responses	response	NOUN
fbem-27667	84	17	.	.	PUNCT
fbem-27667	85	1	data	datum	NOUN
fbem-27667	85	2	analysis	analysis	NOUN
fbem-27667	85	3	control	control	NOUN
fbem-27667	85	4	.	.	PUNCT
fbem-27667	86	1	the	the	DET
fbem-27667	86	2	gathered	gather	VERB
fbem-27667	86	3	information	information	NOUN
fbem-27667	86	4	underwent	undergo	VERB
fbem-27667	86	5	both	both	CCONJ
fbem-27667	86	6	descriptive	descriptive	ADJ
fbem-27667	86	7	and	and	CCONJ
fbem-27667	86	8	predictive	predictive	ADJ
fbem-27667	86	9	statistical	statistical	ADJ
fbem-27667	86	10	analyses	analysis	NOUN
fbem-27667	86	11	.	.	PUNCT
fbem-27667	87	1	the	the	DET
fbem-27667	87	2	data	datum	NOUN
fbem-27667	87	3	were	be	AUX
fbem-27667	87	4	cleaned	clean	VERB
fbem-27667	87	5	and	and	CCONJ
fbem-27667	87	6	checked	check	VERB
fbem-27667	87	7	for	for	ADP
fbem-27667	87	8	any	any	DET
fbem-27667	87	9	errors	error	NOUN
fbem-27667	87	10	or	or	CCONJ
fbem-27667	87	11	inconsistencies	inconsistency	NOUN
fbem-27667	87	12	.	.	PUNCT
fbem-27667	88	1	the	the	DET
fbem-27667	88	2	analysis	analysis	NOUN
fbem-27667	88	3	was	be	AUX
fbem-27667	88	4	conducted	conduct	VERB
fbem-27667	88	5	using	use	VERB
fbem-27667	88	6	appropriate	appropriate	ADJ
fbem-27667	88	7	statistical	statistical	ADJ
fbem-27667	88	8	software	software	NOUN
fbem-27667	88	9	,	,	PUNCT
fbem-27667	88	10	and	and	CCONJ
fbem-27667	88	11	the	the	DET
fbem-27667	88	12	results	result	NOUN
fbem-27667	88	13	were	be	AUX
fbem-27667	88	14	crosschecked	crosschecke	VERB
fbem-27667	88	15	by	by	ADP
fbem-27667	88	16	multiple	multiple	ADJ
fbem-27667	88	17	researchers	researcher	NOUN
fbem-27667	88	18	to	to	PART
fbem-27667	88	19	minimize	minimize	VERB
fbem-27667	88	20	the	the	DET
fbem-27667	88	21	chances	chance	NOUN
fbem-27667	88	22	of	of	ADP
fbem-27667	88	23	errors	error	NOUN
fbem-27667	88	24	.	.	PUNCT
fbem-27667	89	1	ethical	ethical	ADJ
fbem-27667	89	2	considerations	consideration	NOUN
fbem-27667	89	3	.	.	PUNCT
fbem-27667	90	1	during	during	ADP
fbem-27667	90	2	the	the	DET
fbem-27667	90	3	entire	entire	ADJ
fbem-27667	90	4	research	research	NOUN
fbem-27667	90	5	endeavor	endeavor	NOUN
fbem-27667	90	6	,	,	PUNCT
fbem-27667	90	7	ethical	ethical	ADJ
fbem-27667	90	8	factors	factor	NOUN
fbem-27667	90	9	were	be	AUX
fbem-27667	90	10	meticulously	meticulously	ADV
fbem-27667	90	11	addressed	address	VERB
fbem-27667	90	12	.	.	PUNCT
fbem-27667	91	1	the	the	DET
fbem-27667	91	2	individuals	individual	NOUN
fbem-27667	91	3	involved	involve	VERB
fbem-27667	91	4	were	be	AUX
fbem-27667	91	5	briefed	brief	VERB
fbem-27667	91	6	on	on	ADP
fbem-27667	91	7	the	the	DET
fbem-27667	91	8	aims	aim	NOUN
fbem-27667	91	9	and	and	CCONJ
fbem-27667	91	10	characteristics	characteristic	NOUN
fbem-27667	91	11	of	of	ADP
fbem-27667	91	12	the	the	DET
fbem-27667	91	13	study	study	NOUN
fbem-27667	91	14	,	,	PUNCT
fbem-27667	91	15	and	and	CCONJ
fbem-27667	91	16	their	their	PRON
fbem-27667	91	17	permission	permission	NOUN
fbem-27667	91	18	was	be	AUX
fbem-27667	91	19	secured	secure	VERB
fbem-27667	91	20	prior	prior	ADV
fbem-27667	91	21	to	to	ADP
fbem-27667	91	22	distributing	distribute	VERB
fbem-27667	91	23	the	the	DET
fbem-27667	91	24	survey	survey	NOUN
fbem-27667	91	25	instrument	instrument	NOUN
fbem-27667	91	26	.	.	PUNCT
fbem-27667	92	1	confidentiality	confidentiality	NOUN
fbem-27667	92	2	of	of	ADP
fbem-27667	92	3	the	the	DET
fbem-27667	92	4	data	datum	NOUN
fbem-27667	92	5	was	be	AUX
fbem-27667	92	6	maintained	maintain	VERB
fbem-27667	92	7	at	at	ADP
fbem-27667	92	8	all	all	DET
fbem-27667	92	9	times	time	NOUN
fbem-27667	92	10	,	,	PUNCT
fbem-27667	92	11	and	and	CCONJ
fbem-27667	92	12	only	only	ADV
fbem-27667	92	13	authorized	authorize	VERB
fbem-27667	92	14	researchers	researcher	NOUN
fbem-27667	92	15	had	have	VERB
fbem-27667	92	16	access	access	NOUN
fbem-27667	92	17	to	to	ADP
fbem-27667	92	18	the	the	DET
fbem-27667	92	19	raw	raw	ADJ
fbem-27667	92	20	data	datum	NOUN
fbem-27667	92	21	.	.	PUNCT
fbem-27667	93	1	by	by	ADP
fbem-27667	93	2	adhering	adhere	VERB
fbem-27667	93	3	to	to	ADP
fbem-27667	93	4	these	these	DET
fbem-27667	93	5	control	control	NOUN
fbem-27667	93	6	procedures	procedure	NOUN
fbem-27667	93	7	,	,	PUNCT
fbem-27667	93	8	we	we	PRON
fbem-27667	93	9	aim	aim	VERB
fbem-27667	93	10	to	to	PART
fbem-27667	93	11	ensure	ensure	VERB
fbem-27667	93	12	that	that	SCONJ
fbem-27667	93	13	the	the	DET
fbem-27667	93	14	findings	finding	NOUN
fbem-27667	93	15	of	of	ADP
fbem-27667	93	16	this	this	DET
fbem-27667	93	17	study	study	NOUN
fbem-27667	93	18	provide	provide	VERB
fbem-27667	93	19	a	a	DET
fbem-27667	93	20	reliable	reliable	ADJ
fbem-27667	93	21	and	and	CCONJ
fbem-27667	93	22	valid	valid	ADJ
fbem-27667	93	23	assessment	assessment	NOUN
fbem-27667	93	24	of	of	ADP
fbem-27667	93	25	the	the	DET
fbem-27667	93	26	digital	digital	ADJ
fbem-27667	93	27	finance	finance	NOUN
fbem-27667	93	28	practices	practice	NOUN
fbem-27667	93	29	of	of	ADP
fbem-27667	93	30	smes	sme	NOUN
fbem-27667	93	31	in	in	ADP
fbem-27667	93	32	dongguan	dongguan	PROPN
fbem-27667	93	33	,	,	PUNCT
fbem-27667	93	34	china	china	PROPN
fbem-27667	93	35	.	.	PUNCT
fbem-27667	94	1	2.5	2.5	NUM
fbem-27667	94	2	.	.	PUNCT
fbem-27667	95	1	descriptive	descriptive	ADJ
fbem-27667	95	2	statistical	statistical	ADJ
fbem-27667	95	3	analysis	analysis	NOUN
fbem-27667	95	4	of	of	ADP
fbem-27667	95	5	the	the	DET
fbem-27667	95	6	questionnaire	questionnaire	NOUN
fbem-27667	95	7	data	datum	NOUN
fbem-27667	95	8	obtained	obtain	VERB
fbem-27667	95	9	through	through	ADP
fbem-27667	95	10	the	the	DET
fbem-27667	95	11	questionnaire	questionnaire	NOUN
fbem-27667	95	12	were	be	AUX
fbem-27667	95	13	subjected	subject	VERB
fbem-27667	95	14	to	to	ADP
fbem-27667	95	15	a	a	DET
fbem-27667	95	16	descriptive	descriptive	ADJ
fbem-27667	95	17	statistical	statistical	ADJ
fbem-27667	95	18	analysis	analysis	NOUN
fbem-27667	95	19	using	use	VERB
fbem-27667	95	20	the	the	DET
fbem-27667	95	21	spss	spss	PROPN
fbem-27667	95	22	software	software	NOUN
fbem-27667	95	23	.	.	PUNCT
fbem-27667	96	1	descriptive	descriptive	ADJ
fbem-27667	96	2	statistics	statistic	NOUN
fbem-27667	96	3	are	be	AUX
fbem-27667	96	4	usually	usually	ADV
fbem-27667	96	5	used	use	VERB
fbem-27667	96	6	to	to	PART
fbem-27667	96	7	reflect	reflect	VERB
fbem-27667	96	8	the	the	DET
fbem-27667	96	9	characteristics	characteristic	NOUN
fbem-27667	96	10	of	of	ADP
fbem-27667	96	11	the	the	DET
fbem-27667	96	12	data	datum	NOUN
fbem-27667	96	13	.	.	PUNCT
fbem-27667	97	1	according	accord	VERB
fbem-27667	97	2	to	to	ADP
fbem-27667	97	3	the	the	DET
fbem-27667	97	4	distribution	distribution	NOUN
fbem-27667	97	5	structure	structure	NOUN
fbem-27667	97	6	and	and	CCONJ
fbem-27667	97	7	attributes	attribute	NOUN
fbem-27667	97	8	of	of	ADP
fbem-27667	97	9	the	the	DET
fbem-27667	97	10	respondents	respondent	NOUN
fbem-27667	97	11	,	,	PUNCT
fbem-27667	97	12	summarize	summarize	VERB
fbem-27667	97	13	the	the	DET
fbem-27667	97	14	characteristics	characteristic	NOUN
fbem-27667	97	15	of	of	ADP
fbem-27667	97	16	the	the	DET
fbem-27667	97	17	sample	sample	NOUN
fbem-27667	97	18	on	on	ADP
fbem-27667	97	19	this	this	DET
fbem-27667	97	20	basis	basis	NOUN
fbem-27667	97	21	,	,	PUNCT
fbem-27667	97	22	and	and	CCONJ
fbem-27667	97	23	analyze	analyze	VERB
fbem-27667	97	24	whether	whether	SCONJ
fbem-27667	97	25	the	the	DET
fbem-27667	97	26	survey	survey	NOUN
fbem-27667	97	27	group	group	NOUN
fbem-27667	97	28	is	be	AUX
fbem-27667	97	29	representative	representative	ADJ
fbem-27667	97	30	and	and	CCONJ
fbem-27667	97	31	credible	credible	ADJ
fbem-27667	97	32	enough	enough	ADV
fbem-27667	97	33	.	.	PUNCT
fbem-27667	98	1	the	the	DET
fbem-27667	98	2	distribution	distribution	NOUN
fbem-27667	98	3	of	of	ADP
fbem-27667	98	4	specific	specific	ADJ
fbem-27667	98	5	data	datum	NOUN
fbem-27667	98	6	such	such	ADJ
fbem-27667	98	7	as	as	ADP
fbem-27667	98	8	option	option	NOUN
fbem-27667	98	9	mean	mean	NOUN
fbem-27667	98	10	and	and	CCONJ
fbem-27667	98	11	standard	standard	ADJ
fbem-27667	98	12	deviation	deviation	NOUN
fbem-27667	98	13	is	be	AUX
fbem-27667	98	14	analyzed	analyze	VERB
fbem-27667	98	15	to	to	PART
fbem-27667	98	16	observe	observe	VERB
fbem-27667	98	17	whether	whether	SCONJ
fbem-27667	98	18	it	it	PRON
fbem-27667	98	19	conforms	conform	VERB
fbem-27667	98	20	to	to	ADP
fbem-27667	98	21	the	the	DET
fbem-27667	98	22	normal	normal	ADJ
fbem-27667	98	23	distribution	distribution	NOUN
fbem-27667	98	24	.	.	PUNCT
fbem-27667	99	1	in	in	ADP
fbem-27667	99	2	the	the	DET
fbem-27667	99	3	previous	previous	ADJ
fbem-27667	99	4	normal	normal	ADJ
fbem-27667	99	5	tests	test	NOUN
fbem-27667	99	6	of	of	ADP
fbem-27667	99	7	sample	sample	NOUN
fbem-27667	99	8	data	datum	NOUN
fbem-27667	99	9	,	,	PUNCT
fbem-27667	99	10	relevant	relevant	ADJ
fbem-27667	99	11	scholars	scholar	NOUN
fbem-27667	99	12	mostly	mostly	ADV
fbem-27667	99	13	use	use	VERB
fbem-27667	99	14	kurtosis	kurtosis	NOUN
fbem-27667	99	15	and	and	CCONJ
fbem-27667	99	16	skewness	skewness	NOUN
fbem-27667	99	17	tests	test	NOUN
fbem-27667	99	18	.	.	PUNCT
fbem-27667	100	1	typically	typically	ADV
fbem-27667	100	2	,	,	PUNCT
fbem-27667	100	3	the	the	DET
fbem-27667	100	4	skewness	skewness	NOUN
fbem-27667	100	5	absolute	absolute	ADJ
fbem-27667	100	6	value	value	NOUN
fbem-27667	100	7	falls	fall	VERB
fbem-27667	100	8	within	within	ADP
fbem-27667	100	9	the	the	DET
fbem-27667	100	10	range	range	NOUN
fbem-27667	100	11	of	of	ADP
fbem-27667	100	12	1	1	NUM
fbem-27667	100	13	,	,	PUNCT
fbem-27667	100	14	while	while	SCONJ
fbem-27667	100	15	the	the	DET
fbem-27667	100	16	kurtosis	kurtosis	NOUN
fbem-27667	100	17	absolute	absolute	ADJ
fbem-27667	100	18	value	value	NOUN
fbem-27667	100	19	remains	remain	VERB
fbem-27667	100	20	between	between	ADP
fbem-27667	100	21	3	3	NUM
fbem-27667	100	22	,	,	PUNCT
fbem-27667	100	23	the	the	DET
fbem-27667	100	24	assumption	assumption	NOUN
fbem-27667	100	25	of	of	ADP
fbem-27667	100	26	normal	normal	ADJ
fbem-27667	100	27	distribution	distribution	NOUN
fbem-27667	100	28	can	can	AUX
fbem-27667	100	29	be	be	AUX
fbem-27667	100	30	satisfied	satisfied	ADJ
fbem-27667	100	31	.	.	PUNCT
fbem-27667	101	1	the	the	DET
fbem-27667	101	2	study	study	NOUN
fbem-27667	101	3	's	's	PART
fbem-27667	101	4	sample	sample	NOUN
fbem-27667	101	5	comprises	comprise	VERB
fbem-27667	101	6	400	400	NUM
fbem-27667	101	7	participants	participant	NOUN
fbem-27667	101	8	,	,	PUNCT
fbem-27667	101	9	deemed	deem	VERB
fbem-27667	101	10	adequate	adequate	ADJ
fbem-27667	101	11	for	for	ADP
fbem-27667	101	12	the	the	DET
fbem-27667	101	13	analysis	analysis	NOUN
fbem-27667	101	14	.	.	PUNCT
fbem-27667	102	1	on	on	ADP
fbem-27667	102	2	the	the	DET
fbem-27667	102	3	basis	basis	NOUN
fbem-27667	102	4	of	of	ADP
fbem-27667	102	5	the	the	DET
fbem-27667	102	6	data	datum	NOUN
fbem-27667	102	7	passing	pass	VERB
fbem-27667	102	8	the	the	DET
fbem-27667	102	9	normal	normal	ADJ
fbem-27667	102	10	distribution	distribution	NOUN
fbem-27667	102	11	test	test	NOUN
fbem-27667	102	12	,	,	PUNCT
fbem-27667	102	13	the	the	DET
fbem-27667	102	14	non	non	ADJ
fbem-27667	102	15	-	-	ADJ
fbem-27667	102	16	response	response	ADJ
fbem-27667	102	17	bias	bias	NOUN
fbem-27667	102	18	test	test	NOUN
fbem-27667	102	19	was	be	AUX
fbem-27667	102	20	carried	carry	VERB
fbem-27667	102	21	out	out	ADP
fbem-27667	102	22	on	on	ADP
fbem-27667	102	23	the	the	DET
fbem-27667	102	24	questionnaire	questionnaire	NOUN
fbem-27667	102	25	.	.	PUNCT
fbem-27667	103	1	this	this	DET
fbem-27667	103	2	paper	paper	NOUN
fbem-27667	103	3	adopts	adopt	VERB
fbem-27667	103	4	the	the	DET
fbem-27667	103	5	method	method	NOUN
fbem-27667	103	6	of	of	ADP
fbem-27667	103	7	armstrong	armstrong	PROPN
fbem-27667	103	8	&	&	CCONJ
fbem-27667	103	9	overton	overton	PROPN
fbem-27667	103	10	and	and	CCONJ
fbem-27667	103	11	spss	spss	PROPN
fbem-27667	103	12	25	25	NUM
fbem-27667	103	13	software	software	NOUN
fbem-27667	103	14	to	to	PART
fbem-27667	103	15	conduct	conduct	VERB
fbem-27667	103	16	non	non	ADJ
fbem-27667	103	17	-	-	ADJ
fbem-27667	103	18	response	response	ADJ
fbem-27667	103	19	bias	bias	NOUN
fbem-27667	103	20	test	test	NOUN
fbem-27667	103	21	on	on	ADP
fbem-27667	103	22	the	the	DET
fbem-27667	103	23	data	datum	NOUN
fbem-27667	103	24	,	,	PUNCT
fbem-27667	103	25	that	that	ADV
fbem-27667	103	26	is	is	ADV
fbem-27667	103	27	,	,	PUNCT
fbem-27667	103	28	to	to	PART
fbem-27667	103	29	conduct	conduct	VERB
fbem-27667	103	30	t	t	NOUN
fbem-27667	103	31	test	test	NOUN
fbem-27667	103	32	and	and	CCONJ
fbem-27667	103	33	assess	assess	VERB
fbem-27667	103	34	whether	whether	SCONJ
fbem-27667	103	35	notable	notable	ADJ
fbem-27667	103	36	disparities	disparity	NOUN
fbem-27667	103	37	exist	exist	VERB
fbem-27667	103	38	in	in	ADP
fbem-27667	103	39	the	the	DET
fbem-27667	103	40	key	key	ADJ
fbem-27667	103	41	variables	variable	NOUN
fbem-27667	103	42	across	across	ADP
fbem-27667	103	43	the	the	DET
fbem-27667	103	44	two	two	NUM
fbem-27667	103	45	datasets	dataset	NOUN
fbem-27667	103	46	.	.	PUNCT
fbem-27667	104	1	3	3	X
fbem-27667	104	2	.	.	X
fbem-27667	104	3	results	result	VERB
fbem-27667	104	4	this	this	DET
fbem-27667	104	5	section	section	NOUN
fbem-27667	104	6	outlines	outline	VERB
fbem-27667	104	7	the	the	DET
fbem-27667	104	8	procedures	procedure	NOUN
fbem-27667	104	9	employed	employ	VERB
fbem-27667	104	10	by	by	ADP
fbem-27667	104	11	the	the	DET
fbem-27667	104	12	researcher	researcher	NOUN
fbem-27667	104	13	for	for	ADP
fbem-27667	104	14	gathering	gathering	NOUN
fbem-27667	104	15	and	and	CCONJ
fbem-27667	104	16	processing	processing	NOUN
fbem-27667	104	17	data	datum	NOUN
fbem-27667	104	18	,	,	PUNCT
fbem-27667	104	19	following	follow	VERB
fbem-27667	104	20	the	the	DET
fbem-27667	104	21	acquisition	acquisition	NOUN
fbem-27667	104	22	of	of	ADP
fbem-27667	104	23	the	the	DET
fbem-27667	104	24	initial	initial	ADJ
fbem-27667	104	25	authorization	authorization	NOUN
fbem-27667	104	26	certificate	certificate	NOUN
fbem-27667	104	27	.	.	PUNCT
fbem-27667	105	1	statistics	statistic	NOUN
fbem-27667	105	2	of	of	ADP
fbem-27667	105	3	the	the	DET
fbem-27667	105	4	interviewed	interview	VERB
fbem-27667	105	5	companies	company	NOUN
fbem-27667	105	6	and	and	CCONJ
fbem-27667	105	7	multiple	multiple	ADJ
fbem-27667	105	8	linear	linear	ADJ
fbem-27667	105	9	regression	regression	NOUN
fbem-27667	105	10	analysis	analysis	NOUN
fbem-27667	105	11	are	be	AUX
fbem-27667	105	12	included	include	VERB
fbem-27667	105	13	.	.	PUNCT
fbem-27667	106	1	multiple	multiple	ADJ
fbem-27667	106	2	linear	linear	ADJ
fbem-27667	106	3	regression	regression	NOUN
fbem-27667	106	4	analysis	analysis	NOUN
fbem-27667	106	5	between	between	ADP
fbem-27667	106	6	three	three	NUM
fbem-27667	106	7	aspects	aspect	NOUN
fbem-27667	106	8	of	of	ADP
fbem-27667	106	9	digital	digital	ADJ
fbem-27667	106	10	finance	finance	NOUN
fbem-27667	106	11	and	and	CCONJ
fbem-27667	106	12	three	three	NUM
fbem-27667	106	13	dimensions	dimension	NOUN
fbem-27667	106	14	of	of	ADP
fbem-27667	106	15	finance	finance	NOUN
fbem-27667	106	16	constraints	constraint	NOUN
fbem-27667	106	17	.	.	PUNCT
fbem-27667	107	1	table	table	NOUN
fbem-27667	107	2	1	1	NUM
fbem-27667	107	3	.	.	PUNCT
fbem-27667	108	1	multiple	multiple	ADJ
fbem-27667	108	2	linear	linear	ADJ
fbem-27667	108	3	regression	regression	NOUN
fbem-27667	108	4	analysis	analysis	NOUN
fbem-27667	108	5	between	between	ADP
fbem-27667	108	6	digital	digital	ADJ
fbem-27667	108	7	finance	finance	NOUN
fbem-27667	108	8	and	and	CCONJ
fbem-27667	108	9	finance	finance	NOUN
fbem-27667	108	10	channels	channel	NOUN
fbem-27667	108	11	model	model	VERB
fbem-27667	108	12	summary	summary	PROPN
fbem-27667	108	13	r	r	PROPN
fbem-27667	108	14	r2	r2	PROPN
fbem-27667	108	15	adj	adj	PROPN
fbem-27667	108	16	.	.	PROPN
fbem-27667	108	17	r2	r2	PROPN
fbem-27667	108	18	std	std	PROPN
fbem-27667	108	19	.	.	PUNCT
fbem-27667	109	1	error	error	NOUN
fbem-27667	109	2	of	of	ADP
fbem-27667	109	3	the	the	DET
fbem-27667	109	4	estimate	estimate	NOUN
fbem-27667	109	5	0.704	0.704	NUM
fbem-27667	109	6	0.496	0.496	NUM
fbem-27667	109	7	0.492	0.492	NUM
fbem-27667	109	8	0.56	0.56	NUM
fbem-27667	109	9	anova	anova	PROPN
fbem-27667	109	10	sum	sum	NOUN
fbem-27667	109	11	of	of	ADP
fbem-27667	109	12	squares	square	NOUN
fbem-27667	109	13	df	df	PROPN
fbem-27667	109	14	mean	mean	PROPN
fbem-27667	109	15	square	square	PROPN
fbem-27667	109	16	f	f	PROPN
fbem-27667	109	17	sig	sig	PROPN
fbem-27667	109	18	.	.	PUNCT
fbem-27667	110	1	regression	regression	VERB
fbem-27667	110	2	123.243	123.243	NUM
fbem-27667	110	3	3	3	NUM
fbem-27667	110	4	41.081	41.081	NUM
fbem-27667	110	5	129.698	129.698	NUM
fbem-27667	110	6	0.000	0.000	NUM
fbem-27667	110	7	residual	residual	ADJ
fbem-27667	110	8	125.431	125.431	NUM
fbem-27667	110	9	396	396	NUM
fbem-27667	110	10	0.317	0.317	NUM
fbem-27667	110	11	total	total	ADJ
fbem-27667	110	12	248.674	248.674	NUM
fbem-27667	110	13	399	399	NUM
fbem-27667	110	14	a.	a.	NOUN
fbem-27667	110	15	dependent	dependent	ADJ
fbem-27667	110	16	variable	variable	NOUN
fbem-27667	110	17	:	:	PUNCT
fbem-27667	110	18	finance	finance	NOUN
fbem-27667	110	19	channels	channel	NOUN
fbem-27667	110	20	weighted	weight	VERB
fbem-27667	110	21	mean	mean	ADJ
fbem-27667	110	22	parameter	parameter	NOUN
fbem-27667	110	23	estimates	estimate	NOUN
fbem-27667	110	24	(	(	PUNCT
fbem-27667	110	25	n=400	n=400	NOUN
fbem-27667	110	26	)	)	PUNCT
fbem-27667	110	27	unstandardized	unstandardized	ADJ
fbem-27667	110	28	coefficients	coefficient	NOUN
fbem-27667	110	29	standardized	standardize	VERB
fbem-27667	110	30	coefficients	coefficient	NOUN
fbem-27667	110	31	t	t	PROPN
fbem-27667	110	32	sig	sig	PROPN
fbem-27667	110	33	.	.	PUNCT
fbem-27667	111	1	b	b	X
fbem-27667	111	2	std	std	PROPN
fbem-27667	111	3	.	.	NOUN
fbem-27667	111	4	error	error	NOUN
fbem-27667	111	5	beta	beta	NOUN
fbem-27667	111	6	constant	constant	ADJ
fbem-27667	111	7	0.588	0.588	NUM
fbem-27667	111	8	0.121	0.121	NUM
fbem-27667	111	9	4.846	4.846	NUM
fbem-27667	111	10	0.000	0.000	NUM
fbem-27667	111	11	breadth	breadth	NOUN
fbem-27667	111	12	of	of	ADP
fbem-27667	111	13	digital	digital	ADJ
fbem-27667	111	14	finance	finance	NOUN
fbem-27667	111	15	coverage	coverage	NOUN
fbem-27667	111	16	weighted	weight	VERB
fbem-27667	111	17	mean	mean	PROPN
fbem-27667	111	18	0.124	0.124	NUM
fbem-27667	111	19	0.040	0.040	NUM
fbem-27667	111	20	0.136	0.136	NUM
fbem-27667	111	21	3.083	3.083	NUM
fbem-27667	111	22	0.002	0.002	NUM
fbem-27667	111	23	depth	depth	NOUN
fbem-27667	111	24	of	of	ADP
fbem-27667	111	25	use	use	NOUN
fbem-27667	111	26	of	of	ADP
fbem-27667	111	27	digital	digital	ADJ
fbem-27667	111	28	finance	finance	NOUN
fbem-27667	111	29	weighted	weight	VERB
fbem-27667	111	30	mean	mean	PROPN
fbem-27667	111	31	0.272	0.272	NUM
fbem-27667	111	32	0.046	0.046	NUM
fbem-27667	111	33	0.288	0.288	NUM
fbem-27667	111	34	5.945	5.945	NUM
fbem-27667	111	35	0.000	0.000	NUM
fbem-27667	111	36	degree	degree	NOUN
fbem-27667	111	37	of	of	ADP
fbem-27667	111	38	digitalization	digitalization	NOUN
fbem-27667	111	39	weighted	weight	VERB
fbem-27667	111	40	mean	mean	NOUN
fbem-27667	111	41	0.399	0.399	NUM
fbem-27667	111	42	0.044	0.044	NUM
fbem-27667	111	43	0.407	0.407	NUM
fbem-27667	111	44	9.133	9.133	NUM
fbem-27667	111	45	0.000	0.000	NUM
fbem-27667	111	46	a.	a.	NOUN
fbem-27667	111	47	dependent	dependent	ADJ
fbem-27667	111	48	variable	variable	NOUN
fbem-27667	111	49	:	:	PUNCT
fbem-27667	111	50	finance	finance	NOUN
fbem-27667	111	51	channels	channel	NOUN
fbem-27667	111	52	weighted	weight	VERB
fbem-27667	111	53	mean	mean	PROPN
fbem-27667	111	54	multiple	multiple	ADJ
fbem-27667	111	55	linear	linear	ADJ
fbem-27667	111	56	regression	regression	NOUN
fbem-27667	111	57	analysis	analysis	NOUN
fbem-27667	111	58	was	be	AUX
fbem-27667	111	59	performed	perform	VERB
fbem-27667	111	60	on	on	ADP
fbem-27667	111	61	finance	finance	NOUN
fbem-27667	111	62	channels	channel	NOUN
fbem-27667	111	63	weighted	weight	VERB
fbem-27667	111	64	mean	mean	VERB
fbem-27667	111	65	(	(	PUNCT
fbem-27667	111	66	mean	mean	ADJ
fbem-27667	111	67	)	)	PUNCT
fbem-27667	111	68	and	and	CCONJ
fbem-27667	111	69	degree	degree	NOUN
fbem-27667	111	70	of	of	ADP
fbem-27667	111	71	digitalization	digitalization	NOUN
fbem-27667	111	72	weighted	weight	VERB
fbem-27667	111	73	mean	mean	VERB
fbem-27667	111	74	(	(	PUNCT
fbem-27667	111	75	mean	mean	ADJ
fbem-27667	111	76	)	)	PUNCT
fbem-27667	111	77	,	,	PUNCT
fbem-27667	111	78	three	three	NUM
fbem-27667	111	79	key	key	ADJ
fbem-27667	111	80	factors	factor	NOUN
fbem-27667	111	81	.	.	PUNCT
fbem-27667	112	1	the	the	DET
fbem-27667	112	2	obtained	obtain	VERB
fbem-27667	112	3	results	result	NOUN
fbem-27667	112	4	show	show	VERB
fbem-27667	112	5	that	that	SCONJ
fbem-27667	112	6	there	there	PRON
fbem-27667	112	7	is	be	VERB
fbem-27667	112	8	a	a	DET
fbem-27667	112	9	statistically	statistically	ADV
fbem-27667	112	10	significant	significant	ADJ
fbem-27667	112	11	regression	regression	NOUN
fbem-27667	112	12	equation	equation	NOUN
fbem-27667	112	13	(	(	PUNCT
fbem-27667	112	14	f	f	X
fbem-27667	112	15	(	(	PUNCT
fbem-27667	112	16	3,396	3,396	NUM
fbem-27667	112	17	)	)	PUNCT
fbem-27667	112	18	=	=	SYM
fbem-27667	112	19	129.698	129.698	NUM
fbem-27667	112	20	,	,	PUNCT
fbem-27667	112	21	p<0.001	p<0.001	PROPN
fbem-27667	112	22	)	)	PUNCT
fbem-27667	112	23	,	,	PUNCT
fbem-27667	112	24	the	the	DET
fbem-27667	112	25	correlation	correlation	NOUN
fbem-27667	112	26	r²	r²	NOUN
fbem-27667	112	27	is	be	AUX
fbem-27667	112	28	0.496	0.496	NUM
fbem-27667	112	29	,	,	PUNCT
fbem-27667	112	30	and	and	CCONJ
fbem-27667	112	31	the	the	DET
fbem-27667	112	32	adjusted	adjust	VERB
fbem-27667	112	33	r²	r²	NOUN
fbem-27667	112	34	is	be	AUX
fbem-27667	112	35	0.492	0.492	NUM
fbem-27667	112	36	.	.	PUNCT
fbem-27667	113	1	this	this	PRON
fbem-27667	113	2	indicates	indicate	VERB
fbem-27667	113	3	that	that	SCONJ
fbem-27667	113	4	the	the	DET
fbem-27667	113	5	model	model	NOUN
fbem-27667	113	6	shows	show	VERB
fbem-27667	113	7	considerable	considerable	ADJ
fbem-27667	113	8	adequacy	adequacy	NOUN
fbem-27667	113	9	in	in	ADP
fbem-27667	113	10	explaining	explain	VERB
fbem-27667	113	11	the	the	DET
fbem-27667	113	12	weighted	weight	VERB
fbem-27667	113	13	mean	mean	ADJ
fbem-27667	113	14	variance	variance	NOUN
fbem-27667	113	15	of	of	ADP
fbem-27667	113	16	finance	finance	NOUN
fbem-27667	113	17	channels	channel	NOUN
fbem-27667	113	18	,	,	PUNCT
fbem-27667	113	19	accounting	account	VERB
fbem-27667	113	20	for	for	ADP
fbem-27667	113	21	about	about	ADV
fbem-27667	113	22	49.6	49.6	NUM
fbem-27667	113	23	%	%	NOUN
fbem-27667	113	24	of	of	ADP
fbem-27667	113	25	the	the	DET
fbem-27667	113	26	observed	observe	VERB
fbem-27667	113	27	variability	variability	NOUN
fbem-27667	113	28	.	.	PUNCT
fbem-27667	114	1	it	it	PRON
fbem-27667	114	2	is	be	AUX
fbem-27667	114	3	worth	worth	ADJ
fbem-27667	114	4	noting	note	VERB
fbem-27667	114	5	that	that	SCONJ
fbem-27667	114	6	all	all	DET
fbem-27667	114	7	three	three	NUM
fbem-27667	114	8	predictors	predictor	NOUN
fbem-27667	114	9	the	the	DET
fbem-27667	114	10	weighted	weighted	ADJ
fbem-27667	114	11	mean	mean	NOUN
fbem-27667	114	12	of	of	ADP
fbem-27667	114	13	digital	digital	ADJ
fbem-27667	114	14	finance	finance	NOUN
fbem-27667	114	15	coverage	coverage	NOUN
fbem-27667	114	16	breadth	breadth	NOUN
fbem-27667	114	17	,	,	PUNCT
fbem-27667	114	18	the	the	DET
fbem-27667	114	19	weighted	weight	VERB
fbem-27667	114	20	mean	mean	NOUN
fbem-27667	114	21	of	of	ADP
fbem-27667	114	22	digital	digital	ADJ
fbem-27667	114	23	finance	finance	NOUN
fbem-27667	114	24	use	use	NOUN
fbem-27667	114	25	depth	depth	NOUN
fbem-27667	114	26	,	,	PUNCT
fbem-27667	114	27	and	and	CCONJ
fbem-27667	114	28	the	the	DET
fbem-27667	114	29	weighted	weight	VERB
fbem-27667	114	30	mean	mean	NOUN
fbem-27667	114	31	of	of	ADP
fbem-27667	114	32	digital	digital	ADJ
fbem-27667	114	33	finance	finance	NOUN
fbem-27667	114	34	development	development	NOUN
fbem-27667	114	35	degree	degree	NOUN
fbem-27667	114	36	became	become	VERB
fbem-27667	114	37	significant	significant	ADJ
fbem-27667	114	38	predictors	predictor	NOUN
fbem-27667	114	39	.	.	PUNCT
fbem-27667	115	1	the	the	DET
fbem-27667	115	2	weighted	weight	VERB
fbem-27667	115	3	mean	mean	NOUN
fbem-27667	115	4	of	of	ADP
fbem-27667	115	5	digital	digital	ADJ
fbem-27667	115	6	financial	financial	ADJ
fbem-27667	115	7	coverage	coverage	NOUN
fbem-27667	115	8	breadth	breadth	NOUN
fbem-27667	115	9	is	be	AUX
fbem-27667	115	10	positively	positively	ADV
fbem-27667	115	11	correlated	correlate	VERB
fbem-27667	115	12	with	with	ADP
fbem-27667	115	13	the	the	DET
fbem-27667	115	14	weighted	weight	VERB
fbem-27667	115	15	mean	mean	NOUN
fbem-27667	115	16	of	of	ADP
fbem-27667	115	17	finance	finance	NOUN
fbem-27667	115	18	219	219	NUM
fbem-27667	115	19	channels	channel	NOUN
fbem-27667	115	20	(	(	PUNCT
fbem-27667	115	21	standardized	standardized	ADJ
fbem-27667	115	22	coefficient	coefficient	NOUN
fbem-27667	115	23	beta=0.136	beta=0.136	NOUN
fbem-27667	115	24	,	,	PUNCT
fbem-27667	115	25	t=3.083	t=3.083	X
fbem-27667	115	26	,	,	PUNCT
fbem-27667	115	27	p=0.002	p=0.002	NOUN
fbem-27667	115	28	)	)	PUNCT
fbem-27667	115	29	,	,	PUNCT
fbem-27667	115	30	which	which	PRON
fbem-27667	115	31	means	mean	VERB
fbem-27667	115	32	that	that	SCONJ
fbem-27667	115	33	as	as	SCONJ
fbem-27667	115	34	the	the	DET
fbem-27667	115	35	extent	extent	NOUN
fbem-27667	115	36	of	of	ADP
fbem-27667	115	37	digital	digital	ADJ
fbem-27667	115	38	financial	financial	ADJ
fbem-27667	115	39	inclusion	inclusion	NOUN
fbem-27667	115	40	grows	grow	VERB
fbem-27667	115	41	,	,	PUNCT
fbem-27667	115	42	the	the	DET
fbem-27667	115	43	financial	financial	ADJ
fbem-27667	115	44	access	access	NOUN
fbem-27667	115	45	,	,	PUNCT
fbem-27667	115	46	will	will	AUX
fbem-27667	115	47	also	also	ADV
fbem-27667	115	48	escalate	escalate	VERB
fbem-27667	115	49	.	.	PUNCT
fbem-27667	116	1	the	the	DET
fbem-27667	116	2	weighted	weight	VERB
fbem-27667	116	3	mean	mean	NOUN
fbem-27667	116	4	of	of	ADP
fbem-27667	116	5	the	the	DET
fbem-27667	116	6	depth	depth	NOUN
fbem-27667	116	7	of	of	ADP
fbem-27667	116	8	use	use	NOUN
fbem-27667	116	9	of	of	ADP
fbem-27667	116	10	digital	digital	ADJ
fbem-27667	116	11	finance	finance	NOUN
fbem-27667	116	12	is	be	AUX
fbem-27667	116	13	also	also	ADV
fbem-27667	116	14	positively	positively	ADV
fbem-27667	116	15	correlated	correlate	VERB
fbem-27667	116	16	with	with	ADP
fbem-27667	116	17	the	the	DET
fbem-27667	116	18	weighted	weight	VERB
fbem-27667	116	19	mean	mean	NOUN
fbem-27667	116	20	of	of	ADP
fbem-27667	116	21	finance	finance	NOUN
fbem-27667	116	22	channels	channel	NOUN
fbem-27667	116	23	(	(	PUNCT
fbem-27667	116	24	standardized	standardized	ADJ
fbem-27667	116	25	coefficient	coefficient	NOUN
fbem-27667	116	26	beta=0.288	beta=0.288	NOUN
fbem-27667	116	27	,	,	PUNCT
fbem-27667	116	28	t=5.945	t=5.945	ADV
fbem-27667	116	29	,	,	PUNCT
fbem-27667	116	30	p<0.001	p<0.001	PROPN
fbem-27667	116	31	)	)	PUNCT
fbem-27667	116	32	,	,	PUNCT
fbem-27667	116	33	indicating	indicate	VERB
fbem-27667	116	34	that	that	SCONJ
fbem-27667	116	35	deeper	deep	ADJ
fbem-27667	116	36	use	use	NOUN
fbem-27667	116	37	of	of	ADP
fbem-27667	116	38	digital	digital	ADJ
fbem-27667	116	39	finance	finance	NOUN
fbem-27667	116	40	will	will	AUX
fbem-27667	116	41	promote	promote	VERB
fbem-27667	116	42	the	the	DET
fbem-27667	116	43	evolution	evolution	NOUN
fbem-27667	116	44	of	of	ADP
fbem-27667	116	45	finance	finance	NOUN
fbem-27667	116	46	channels	channel	NOUN
fbem-27667	116	47	.	.	PUNCT
fbem-27667	117	1	the	the	DET
fbem-27667	117	2	positive	positive	ADJ
fbem-27667	117	3	correlation	correlation	NOUN
fbem-27667	117	4	between	between	ADP
fbem-27667	117	5	the	the	DET
fbem-27667	117	6	weighted	weight	VERB
fbem-27667	117	7	mean	mean	NOUN
fbem-27667	117	8	of	of	ADP
fbem-27667	117	9	the	the	DET
fbem-27667	117	10	development	development	NOUN
fbem-27667	117	11	degree	degree	NOUN
fbem-27667	117	12	of	of	ADP
fbem-27667	117	13	digital	digital	ADJ
fbem-27667	117	14	finance	finance	NOUN
fbem-27667	117	15	and	and	CCONJ
fbem-27667	117	16	the	the	DET
fbem-27667	117	17	weighted	weight	VERB
fbem-27667	117	18	mean	mean	NOUN
fbem-27667	117	19	of	of	ADP
fbem-27667	117	20	finance	finance	NOUN
fbem-27667	117	21	channels	channel	NOUN
fbem-27667	117	22	is	be	AUX
fbem-27667	117	23	the	the	DET
fbem-27667	117	24	most	most	ADV
fbem-27667	117	25	significant	significant	ADJ
fbem-27667	117	26	(	(	PUNCT
fbem-27667	117	27	standardized	standardized	ADJ
fbem-27667	117	28	coefficient	coefficient	NOUN
fbem-27667	117	29	beta=0.407	beta=0.407	NOUN
fbem-27667	117	30	,	,	PUNCT
fbem-27667	117	31	t=9.133	t=9.133	NUM
fbem-27667	117	32	,	,	PUNCT
fbem-27667	117	33	p<0.001	p<0.001	PROPN
fbem-27667	117	34	)	)	PUNCT
fbem-27667	117	35	,	,	PUNCT
fbem-27667	117	36	indicating	indicate	VERB
fbem-27667	117	37	that	that	SCONJ
fbem-27667	117	38	the	the	DET
fbem-27667	117	39	enhancement	enhancement	NOUN
fbem-27667	117	40	of	of	ADP
fbem-27667	117	41	digital	digital	ADJ
fbem-27667	117	42	finance	finance	NOUN
fbem-27667	117	43	has	have	VERB
fbem-27667	117	44	an	an	DET
fbem-27667	117	45	important	important	ADJ
fbem-27667	117	46	impact	impact	NOUN
fbem-27667	117	47	on	on	ADP
fbem-27667	117	48	finance	finance	NOUN
fbem-27667	117	49	channels	channel	NOUN
fbem-27667	117	50	.	.	PUNCT
fbem-27667	118	1	these	these	DET
fbem-27667	118	2	results	result	NOUN
fbem-27667	118	3	highlight	highlight	VERB
fbem-27667	118	4	the	the	DET
fbem-27667	118	5	complex	complex	ADJ
fbem-27667	118	6	role	role	NOUN
fbem-27667	118	7	of	of	ADP
fbem-27667	118	8	different	different	ADJ
fbem-27667	118	9	dimensions	dimension	NOUN
fbem-27667	118	10	of	of	ADP
fbem-27667	118	11	digital	digital	ADJ
fbem-27667	118	12	finance	finance	NOUN
fbem-27667	118	13	in	in	ADP
fbem-27667	118	14	influencing	influence	VERB
fbem-27667	118	15	finance	finance	NOUN
fbem-27667	118	16	channels	channel	NOUN
fbem-27667	118	17	and	and	CCONJ
fbem-27667	118	18	provide	provide	VERB
fbem-27667	118	19	meaningful	meaningful	ADJ
fbem-27667	118	20	implications	implication	NOUN
fbem-27667	118	21	for	for	ADP
fbem-27667	118	22	a	a	DET
fbem-27667	118	23	deeper	deep	ADJ
fbem-27667	118	24	understanding	understanding	NOUN
fbem-27667	118	25	of	of	ADP
fbem-27667	118	26	this	this	DET
fbem-27667	118	27	relationship	relationship	NOUN
fbem-27667	118	28	.	.	PUNCT
fbem-27667	119	1	significant	significant	ADJ
fbem-27667	119	2	predictors	predictor	NOUN
fbem-27667	119	3	not	not	PART
fbem-27667	119	4	only	only	ADV
fbem-27667	119	5	enhance	enhance	VERB
fbem-27667	119	6	our	our	PRON
fbem-27667	119	7	understanding	understanding	NOUN
fbem-27667	119	8	of	of	ADP
fbem-27667	119	9	the	the	DET
fbem-27667	119	10	formation	formation	NOUN
fbem-27667	119	11	factors	factor	NOUN
fbem-27667	119	12	of	of	ADP
fbem-27667	119	13	finance	finance	NOUN
fbem-27667	119	14	channels	channel	NOUN
fbem-27667	119	15	,	,	PUNCT
fbem-27667	119	16	but	but	CCONJ
fbem-27667	119	17	also	also	ADV
fbem-27667	119	18	provide	provide	VERB
fbem-27667	119	19	a	a	DET
fbem-27667	119	20	strong	strong	ADJ
fbem-27667	119	21	basis	basis	NOUN
fbem-27667	119	22	for	for	ADP
fbem-27667	119	23	promoting	promote	VERB
fbem-27667	119	24	the	the	DET
fbem-27667	119	25	research	research	NOUN
fbem-27667	119	26	of	of	ADP
fbem-27667	119	27	finance	finance	NOUN
fbem-27667	119	28	channels	channel	NOUN
fbem-27667	119	29	and	and	CCONJ
fbem-27667	119	30	formulating	formulate	VERB
fbem-27667	119	31	relevant	relevant	ADJ
fbem-27667	119	32	strategies	strategy	NOUN
fbem-27667	119	33	in	in	ADP
fbem-27667	119	34	the	the	DET
fbem-27667	119	35	context	context	NOUN
fbem-27667	119	36	of	of	ADP
fbem-27667	119	37	digital	digital	ADJ
fbem-27667	119	38	finance	finance	NOUN
fbem-27667	119	39	.	.	PUNCT
fbem-27667	120	1	overall	overall	ADV
fbem-27667	120	2	,	,	PUNCT
fbem-27667	120	3	the	the	DET
fbem-27667	120	4	breadth	breadth	NOUN
fbem-27667	120	5	,	,	PUNCT
fbem-27667	120	6	depth	depth	NOUN
fbem-27667	120	7	of	of	ADP
fbem-27667	120	8	use	use	NOUN
fbem-27667	120	9	and	and	CCONJ
fbem-27667	120	10	digitalization	digitalization	NOUN
fbem-27667	120	11	of	of	ADP
fbem-27667	120	12	digital	digital	ADJ
fbem-27667	120	13	finance	finance	NOUN
fbem-27667	120	14	may	may	AUX
fbem-27667	120	15	have	have	VERB
fbem-27667	120	16	a	a	DET
fbem-27667	120	17	significant	significant	ADJ
fbem-27667	120	18	impact	impact	NOUN
fbem-27667	120	19	on	on	ADP
fbem-27667	120	20	the	the	DET
fbem-27667	120	21	choice	choice	NOUN
fbem-27667	120	22	and	and	CCONJ
fbem-27667	120	23	use	use	NOUN
fbem-27667	120	24	of	of	ADP
fbem-27667	120	25	financial	financial	ADJ
fbem-27667	120	26	channels	channel	NOUN
fbem-27667	120	27	.	.	PUNCT
fbem-27667	121	1	the	the	DET
fbem-27667	121	2	increase	increase	NOUN
fbem-27667	121	3	in	in	ADP
fbem-27667	121	4	these	these	DET
fbem-27667	121	5	factors	factor	NOUN
fbem-27667	121	6	may	may	AUX
fbem-27667	121	7	have	have	AUX
fbem-27667	121	8	facilitated	facilitate	VERB
fbem-27667	121	9	the	the	DET
fbem-27667	121	10	selection	selection	NOUN
fbem-27667	121	11	of	of	ADP
fbem-27667	121	12	more	more	ADV
fbem-27667	121	13	efficient	efficient	ADJ
fbem-27667	121	14	and	and	CCONJ
fbem-27667	121	15	flexible	flexible	ADJ
fbem-27667	121	16	financial	financial	ADJ
fbem-27667	121	17	channels	channel	NOUN
fbem-27667	121	18	,	,	PUNCT
fbem-27667	121	19	thereby	thereby	ADV
fbem-27667	121	20	reduced	reduce	VERB
fbem-27667	121	21	finance	finance	NOUN
fbem-27667	121	22	costs	cost	NOUN
fbem-27667	121	23	and	and	CCONJ
fbem-27667	121	24	improved	improve	VERB
fbem-27667	121	25	the	the	DET
fbem-27667	121	26	efficiency	efficiency	NOUN
fbem-27667	121	27	of	of	ADP
fbem-27667	121	28	business	business	NOUN
fbem-27667	121	29	operations	operation	NOUN
fbem-27667	121	30	.	.	PUNCT
fbem-27667	122	1	table	table	NOUN
fbem-27667	122	2	2	2	NUM
fbem-27667	122	3	.	.	PUNCT
fbem-27667	122	4	multiple	multiple	ADJ
fbem-27667	122	5	linear	linear	ADJ
fbem-27667	122	6	regression	regression	NOUN
fbem-27667	122	7	analysis	analysis	NOUN
fbem-27667	122	8	between	between	ADP
fbem-27667	122	9	digital	digital	ADJ
fbem-27667	122	10	finance	finance	NOUN
fbem-27667	122	11	and	and	CCONJ
fbem-27667	122	12	finance	finance	NOUN
fbem-27667	122	13	cost	cost	NOUN
fbem-27667	122	14	model	model	NOUN
fbem-27667	122	15	summary	summary	NOUN
fbem-27667	122	16	r	r	PROPN
fbem-27667	122	17	r2	r2	PROPN
fbem-27667	122	18	adj	adj	PROPN
fbem-27667	122	19	.	.	PROPN
fbem-27667	122	20	r2	r2	PROPN
fbem-27667	122	21	std	std	PROPN
fbem-27667	122	22	.	.	PUNCT
fbem-27667	123	1	error	error	NOUN
fbem-27667	123	2	of	of	ADP
fbem-27667	123	3	the	the	DET
fbem-27667	123	4	estimate	estimate	NOUN
fbem-27667	123	5	0.549	0.549	NUM
fbem-27667	123	6	0.302	0.302	NUM
fbem-27667	123	7	0.296	0.296	NUM
fbem-27667	123	8	0.768	0.768	NUM
fbem-27667	123	9	anova	anova	PROPN
fbem-27667	123	10	sum	sum	NOUN
fbem-27667	123	11	of	of	ADP
fbem-27667	123	12	squares	square	NOUN
fbem-27667	123	13	df	df	PROPN
fbem-27667	123	14	mean	mean	PROPN
fbem-27667	123	15	square	square	PROPN
fbem-27667	123	16	f	f	PROPN
fbem-27667	123	17	sig	sig	PROPN
fbem-27667	123	18	.	.	PUNCT
fbem-27667	124	1	regression	regression	VERB
fbem-27667	124	2	102.007	102.007	NUM
fbem-27667	124	3	3	3	NUM
fbem-27667	124	4	34.002	34.002	NUM
fbem-27667	124	5	57.004	57.004	NUM
fbem-27667	124	6	0.000	0.000	NUM
fbem-27667	124	7	residual	residual	ADJ
fbem-27667	124	8	236.209	236.209	NUM
fbem-27667	124	9	396	396	NUM
fbem-27667	124	10	0.596	0.596	NUM
fbem-27667	124	11	total	total	ADJ
fbem-27667	124	12	338.215	338.215	NUM
fbem-27667	124	13	399	399	NUM
fbem-27667	124	14	a.	a.	NOUN
fbem-27667	124	15	dependent	dependent	ADJ
fbem-27667	124	16	variable	variable	NOUN
fbem-27667	124	17	:	:	PUNCT
fbem-27667	124	18	finance	finance	NOUN
fbem-27667	124	19	cost	cost	NOUN
fbem-27667	124	20	weighted	weight	VERB
fbem-27667	124	21	mean	mean	ADJ
fbem-27667	124	22	parameter	parameter	NOUN
fbem-27667	124	23	estimates	estimate	NOUN
fbem-27667	124	24	(	(	PUNCT
fbem-27667	124	25	n=400	n=400	NOUN
fbem-27667	124	26	)	)	PUNCT
fbem-27667	124	27	unstandardized	unstandardized	ADJ
fbem-27667	124	28	coefficients	coefficient	NOUN
fbem-27667	124	29	standardized	standardize	VERB
fbem-27667	124	30	coefficients	coefficient	NOUN
fbem-27667	124	31	t	t	PROPN
fbem-27667	124	32	sig	sig	PROPN
fbem-27667	124	33	.	.	PUNCT
fbem-27667	125	1	b	b	X
fbem-27667	125	2	std	std	PROPN
fbem-27667	125	3	.	.	NOUN
fbem-27667	125	4	error	error	NOUN
fbem-27667	125	5	beta	beta	NOUN
fbem-27667	125	6	constant	constant	ADJ
fbem-27667	125	7	4.212	4.212	NUM
fbem-27667	125	8	0.167	0.167	NUM
fbem-27667	125	9	25.291	25.291	NUM
fbem-27667	125	10	0.000	0.000	NUM
fbem-27667	125	11	breadth	breadth	NOUN
fbem-27667	125	12	of	of	ADP
fbem-27667	125	13	digital	digital	ADJ
fbem-27667	125	14	finance	finance	NOUN
fbem-27667	125	15	coverage	coverage	NOUN
fbem-27667	125	16	weighted	weight	VERB
fbem-27667	126	1	mean	mean	NOUN
fbem-27667	126	2	-0.229	-0.229	PUNCT
fbem-27667	126	3	0.055	0.055	NUM
fbem-27667	126	4	-0.214	-0.214	PUNCT
fbem-27667	126	5	-4.131	-4.131	SYM
fbem-27667	126	6	0.000	0.000	NUM
fbem-27667	126	7	depth	depth	NOUN
fbem-27667	126	8	of	of	ADP
fbem-27667	126	9	use	use	NOUN
fbem-27667	126	10	of	of	ADP
fbem-27667	126	11	digital	digital	ADJ
fbem-27667	126	12	finance	finance	NOUN
fbem-27667	126	13	weighted	weight	VERB
fbem-27667	126	14	mean	mean	PROPN
fbem-27667	127	1	-0.153	-0.153	NUM
fbem-27667	127	2	0.063	0.063	NUM
fbem-27667	127	3	-0.139	-0.139	PUNCT
fbem-27667	127	4	-2.446	-2.446	NUM
fbem-27667	127	5	0.015	0.015	NUM
fbem-27667	127	6	degree	degree	NOUN
fbem-27667	127	7	of	of	ADP
fbem-27667	127	8	digitalization	digitalization	NOUN
fbem-27667	127	9	weighted	weight	VERB
fbem-27667	127	10	mean	mean	NOUN
fbem-27667	127	11	-0.351	-0.351	NOUN
fbem-27667	127	12	0.06	0.06	NUM
fbem-27667	127	13	-0.307	-0.307	NUM
fbem-27667	127	14	-5.865	-5.865	ADJ
fbem-27667	127	15	0.000	0.000	NUM
fbem-27667	127	16	a.	a.	NOUN
fbem-27667	127	17	dependent	dependent	ADJ
fbem-27667	127	18	variable	variable	NOUN
fbem-27667	127	19	:	:	PUNCT
fbem-27667	127	20	finance	finance	NOUN
fbem-27667	127	21	cost	cost	NOUN
fbem-27667	127	22	weighted	weight	VERB
fbem-27667	127	23	mean	mean	NOUN
fbem-27667	127	24	*	*	PUNCT
fbem-27667	127	25	p<0.05	p<0.05	NOUN
fbem-27667	127	26	,	,	PUNCT
fbem-27667	127	27	*	*	PUNCT
fbem-27667	127	28	*	*	PUNCT
fbem-27667	127	29	p<0.01	p<0.01	PROPN
fbem-27667	127	30	taking	take	VERB
fbem-27667	127	31	finance	finance	NOUN
fbem-27667	127	32	cost	cost	NOUN
fbem-27667	127	33	weighted	weight	VERB
fbem-27667	128	1	mean	mean	VERB
fbem-27667	128	2	as	as	SCONJ
fbem-27667	128	3	the	the	DET
fbem-27667	128	4	dependent	dependent	ADJ
fbem-27667	128	5	variable	variable	NOUN
fbem-27667	128	6	,	,	PUNCT
fbem-27667	128	7	based	base	VERB
fbem-27667	128	8	on	on	ADP
fbem-27667	128	9	the	the	DET
fbem-27667	128	10	breadth	breadth	NOUN
fbem-27667	128	11	of	of	ADP
fbem-27667	128	12	digital	digital	ADJ
fbem-27667	128	13	finance	finance	NOUN
fbem-27667	128	14	coverage	coverage	NOUN
fbem-27667	128	15	weighted	weight	VERB
fbem-27667	128	16	mean	mean	ADJ
fbem-27667	128	17	,	,	PUNCT
fbem-27667	128	18	depth	depth	NOUN
fbem-27667	128	19	of	of	ADP
fbem-27667	128	20	use	use	NOUN
fbem-27667	128	21	of	of	ADP
fbem-27667	128	22	digital	digital	ADJ
fbem-27667	128	23	finance	finance	NOUN
fbem-27667	128	24	weighted	weight	VERB
fbem-27667	128	25	mean	mean	NOUN
fbem-27667	128	26	and	and	CCONJ
fbem-27667	128	27	degree	degree	NOUN
fbem-27667	128	28	of	of	ADP
fbem-27667	128	29	digitalization	digitalization	NOUN
fbem-27667	128	30	weighted	weight	VERB
fbem-27667	128	31	mean	mean	ADV
fbem-27667	128	32	were	be	AUX
fbem-27667	128	33	used	use	VERB
fbem-27667	128	34	for	for	ADP
fbem-27667	128	35	multiple	multiple	ADJ
fbem-27667	128	36	linear	linear	ADJ
fbem-27667	128	37	regression	regression	NOUN
fbem-27667	128	38	analysis	analysis	NOUN
fbem-27667	128	39	.	.	PUNCT
fbem-27667	129	1	the	the	DET
fbem-27667	129	2	obtained	obtain	VERB
fbem-27667	129	3	results	result	NOUN
fbem-27667	129	4	show	show	VERB
fbem-27667	129	5	that	that	SCONJ
fbem-27667	129	6	there	there	PRON
fbem-27667	129	7	is	be	VERB
fbem-27667	129	8	a	a	DET
fbem-27667	129	9	statistically	statistically	ADV
fbem-27667	129	10	significant	significant	ADJ
fbem-27667	129	11	regression	regression	NOUN
fbem-27667	129	12	equation	equation	NOUN
fbem-27667	129	13	(	(	PUNCT
fbem-27667	129	14	f	f	X
fbem-27667	129	15	(	(	PUNCT
fbem-27667	129	16	3,396	3,396	NUM
fbem-27667	129	17	)	)	PUNCT
fbem-27667	129	18	=	=	SYM
fbem-27667	129	19	57.004	57.004	NUM
fbem-27667	129	20	,	,	PUNCT
fbem-27667	129	21	p<.001	p<.001	NOUN
fbem-27667	129	22	)	)	PUNCT
fbem-27667	129	23	with	with	ADP
fbem-27667	129	24	a	a	DET
fbem-27667	129	25	correlation	correlation	NOUN
fbem-27667	129	26	r²	r²	NOUN
fbem-27667	129	27	of	of	ADP
fbem-27667	129	28	0.302	0.302	NUM
fbem-27667	129	29	and	and	CCONJ
fbem-27667	129	30	an	an	DET
fbem-27667	129	31	adjusted	adjust	VERB
fbem-27667	129	32	r²	r²	NOUN
fbem-27667	129	33	of	of	ADP
fbem-27667	129	34	0.296	0.296	NUM
fbem-27667	129	35	.	.	PUNCT
fbem-27667	130	1	this	this	PRON
fbem-27667	130	2	indicates	indicate	VERB
fbem-27667	130	3	that	that	SCONJ
fbem-27667	130	4	the	the	DET
fbem-27667	130	5	model	model	NOUN
fbem-27667	130	6	has	have	VERB
fbem-27667	130	7	some	some	DET
fbem-27667	130	8	adequacy	adequacy	NOUN
fbem-27667	130	9	in	in	ADP
fbem-27667	130	10	explaining	explain	VERB
fbem-27667	130	11	the	the	DET
fbem-27667	130	12	variance	variance	NOUN
fbem-27667	130	13	of	of	ADP
fbem-27667	130	14	the	the	DET
fbem-27667	130	15	weighted	weight	VERB
fbem-27667	130	16	mean	mean	NOUN
fbem-27667	130	17	of	of	ADP
fbem-27667	130	18	financial	financial	ADJ
fbem-27667	130	19	costs	cost	NOUN
fbem-27667	130	20	,	,	PUNCT
fbem-27667	130	21	and	and	CCONJ
fbem-27667	130	22	can	can	AUX
fbem-27667	130	23	explain	explain	VERB
fbem-27667	130	24	about	about	ADV
fbem-27667	130	25	30.2	30.2	NUM
fbem-27667	130	26	%	%	NOUN
fbem-27667	130	27	of	of	ADP
fbem-27667	130	28	the	the	DET
fbem-27667	130	29	observed	observe	VERB
fbem-27667	130	30	variability	variability	NOUN
fbem-27667	130	31	.	.	PUNCT
fbem-27667	131	1	it	it	PRON
fbem-27667	131	2	is	be	AUX
fbem-27667	131	3	worth	worth	ADJ
fbem-27667	131	4	noting	note	VERB
fbem-27667	131	5	that	that	SCONJ
fbem-27667	131	6	all	all	DET
fbem-27667	131	7	three	three	NUM
fbem-27667	131	8	independent	independent	ADJ
fbem-27667	131	9	variables	variable	NOUN
fbem-27667	131	10	the	the	DET
fbem-27667	131	11	weighted	weighted	ADJ
fbem-27667	131	12	mean	mean	NOUN
fbem-27667	131	13	of	of	ADP
fbem-27667	131	14	digital	digital	ADJ
fbem-27667	131	15	finance	finance	NOUN
fbem-27667	131	16	coverage	coverage	NOUN
fbem-27667	131	17	breadth	breadth	NOUN
fbem-27667	131	18	,	,	PUNCT
fbem-27667	131	19	the	the	DET
fbem-27667	131	20	weighted	weight	VERB
fbem-27667	131	21	mean	mean	NOUN
fbem-27667	131	22	of	of	ADP
fbem-27667	131	23	digital	digital	ADJ
fbem-27667	131	24	finance	finance	NOUN
fbem-27667	131	25	use	use	NOUN
fbem-27667	131	26	depth	depth	NOUN
fbem-27667	131	27	,	,	PUNCT
fbem-27667	131	28	and	and	CCONJ
fbem-27667	131	29	the	the	DET
fbem-27667	131	30	weighted	weight	VERB
fbem-27667	131	31	mean	mean	NOUN
fbem-27667	131	32	of	of	ADP
fbem-27667	131	33	digital	digital	ADJ
fbem-27667	131	34	finance	finance	NOUN
fbem-27667	131	35	development	development	NOUN
fbem-27667	131	36	degree	degree	NOUN
fbem-27667	131	37	become	become	VERB
fbem-27667	131	38	significant	significant	ADJ
fbem-27667	131	39	predictors	predictor	NOUN
fbem-27667	131	40	(	(	PUNCT
fbem-27667	131	41	p	p	NOUN
fbem-27667	131	42	values	value	NOUN
fbem-27667	131	43	are	be	AUX
fbem-27667	131	44	all	all	ADV
fbem-27667	131	45	less	less	ADJ
fbem-27667	131	46	than	than	ADP
fbem-27667	131	47	0.01).the	0.01).the	DET
fbem-27667	131	48	weighted	weighted	ADJ
fbem-27667	131	49	mean	mean	NOUN
fbem-27667	131	50	of	of	ADP
fbem-27667	131	51	digital	digital	ADJ
fbem-27667	131	52	financial	financial	ADJ
fbem-27667	131	53	coverage	coverage	NOUN
fbem-27667	131	54	breadth	breadth	NOUN
fbem-27667	131	55	is	be	AUX
fbem-27667	131	56	negatively	negatively	ADV
fbem-27667	131	57	correlated	correlate	VERB
fbem-27667	131	58	with	with	ADP
fbem-27667	131	59	the	the	DET
fbem-27667	131	60	weighted	weight	VERB
fbem-27667	131	61	mean	mean	NOUN
fbem-27667	131	62	of	of	ADP
fbem-27667	131	63	finance	finance	NOUN
fbem-27667	131	64	cost	cost	NOUN
fbem-27667	131	65	(	(	PUNCT
fbem-27667	131	66	beta	beta	ADJ
fbem-27667	131	67	coefficient	coefficient	NOUN
fbem-27667	131	68	is	be	AUX
fbem-27667	131	69	-0.214	-0.214	ADJ
fbem-27667	131	70	)	)	PUNCT
fbem-27667	131	71	,	,	PUNCT
fbem-27667	131	72	which	which	PRON
fbem-27667	131	73	means	mean	VERB
fbem-27667	131	74	that	that	SCONJ
fbem-27667	131	75	with	with	ADP
fbem-27667	131	76	the	the	DET
fbem-27667	131	77	increase	increase	NOUN
fbem-27667	131	78	of	of	ADP
fbem-27667	131	79	digital	digital	ADJ
fbem-27667	131	80	financial	financial	ADJ
fbem-27667	131	81	coverage	coverage	NOUN
fbem-27667	131	82	breadth	breadth	NOUN
fbem-27667	131	83	,	,	PUNCT
fbem-27667	131	84	the	the	DET
fbem-27667	131	85	weighted	weight	VERB
fbem-27667	131	86	mean	mean	NOUN
fbem-27667	131	87	of	of	ADP
fbem-27667	131	88	finance	finance	NOUN
fbem-27667	131	89	cost	cost	NOUN
fbem-27667	131	90	tends	tend	VERB
fbem-27667	131	91	to	to	PART
fbem-27667	131	92	decrease	decrease	VERB
fbem-27667	131	93	.	.	PUNCT
fbem-27667	132	1	the	the	DET
fbem-27667	132	2	weighted	weight	VERB
fbem-27667	132	3	mean	mean	NOUN
fbem-27667	132	4	of	of	ADP
fbem-27667	132	5	the	the	DET
fbem-27667	132	6	depth	depth	NOUN
fbem-27667	132	7	of	of	ADP
fbem-27667	132	8	use	use	NOUN
fbem-27667	132	9	of	of	ADP
fbem-27667	132	10	digital	digital	ADJ
fbem-27667	132	11	finance	finance	NOUN
fbem-27667	132	12	is	be	AUX
fbem-27667	132	13	also	also	ADV
fbem-27667	132	14	negatively	negatively	ADV
fbem-27667	132	15	correlated	correlate	VERB
fbem-27667	132	16	with	with	ADP
fbem-27667	132	17	the	the	DET
fbem-27667	132	18	weighted	weight	VERB
fbem-27667	132	19	mean	mean	NOUN
fbem-27667	132	20	of	of	ADP
fbem-27667	132	21	the	the	DET
fbem-27667	132	22	cost	cost	NOUN
fbem-27667	132	23	of	of	ADP
fbem-27667	132	24	finance	finance	NOUN
fbem-27667	132	25	(	(	PUNCT
fbem-27667	132	26	beta	beta	ADJ
fbem-27667	132	27	coefficient	coefficient	NOUN
fbem-27667	132	28	is	be	AUX
fbem-27667	132	29	-0.139	-0.139	PUNCT
fbem-27667	132	30	)	)	PUNCT
fbem-27667	132	31	,	,	PUNCT
fbem-27667	132	32	although	although	SCONJ
fbem-27667	132	33	the	the	DET
fbem-27667	132	34	correlation	correlation	NOUN
fbem-27667	132	35	is	be	AUX
fbem-27667	132	36	slightly	slightly	ADV
fbem-27667	132	37	weaker	weak	ADJ
fbem-27667	132	38	than	than	ADP
fbem-27667	132	39	the	the	DET
fbem-27667	132	40	coverage	coverage	NOUN
fbem-27667	132	41	breadth	breadth	NOUN
fbem-27667	132	42	,	,	PUNCT
fbem-27667	132	43	it	it	PRON
fbem-27667	132	44	still	still	ADV
fbem-27667	132	45	indicates	indicate	VERB
fbem-27667	132	46	that	that	SCONJ
fbem-27667	132	47	the	the	DET
fbem-27667	132	48	increase	increase	NOUN
fbem-27667	132	49	of	of	ADP
fbem-27667	132	50	the	the	DET
fbem-27667	132	51	depth	depth	NOUN
fbem-27667	132	52	of	of	ADP
fbem-27667	132	53	use	use	NOUN
fbem-27667	132	54	helps	help	VERB
fbem-27667	132	55	to	to	PART
fbem-27667	132	56	reduce	reduce	VERB
fbem-27667	132	57	the	the	DET
fbem-27667	132	58	cost	cost	NOUN
fbem-27667	132	59	.	.	PUNCT
fbem-27667	133	1	the	the	DET
fbem-27667	133	2	negative	negative	ADJ
fbem-27667	133	3	correlation	correlation	NOUN
fbem-27667	133	4	between	between	ADP
fbem-27667	133	5	the	the	DET
fbem-27667	133	6	weighted	weight	VERB
fbem-27667	133	7	mean	mean	NOUN
fbem-27667	133	8	of	of	ADP
fbem-27667	133	9	the	the	DET
fbem-27667	133	10	development	development	NOUN
fbem-27667	133	11	degree	degree	NOUN
fbem-27667	133	12	of	of	ADP
fbem-27667	133	13	digital	digital	ADJ
fbem-27667	133	14	finance	finance	NOUN
fbem-27667	133	15	and	and	CCONJ
fbem-27667	133	16	the	the	DET
fbem-27667	133	17	weighted	weight	VERB
fbem-27667	133	18	mean	mean	NOUN
fbem-27667	133	19	of	of	ADP
fbem-27667	133	20	finance	finance	NOUN
fbem-27667	133	21	cost	cost	NOUN
fbem-27667	133	22	is	be	AUX
fbem-27667	133	23	the	the	DET
fbem-27667	133	24	most	most	ADV
fbem-27667	133	25	significant	significant	ADJ
fbem-27667	133	26	(	(	PUNCT
fbem-27667	133	27	beta	beta	ADJ
fbem-27667	133	28	coefficient	coefficient	NOUN
fbem-27667	133	29	is	be	AUX
fbem-27667	133	30	0.307	0.307	NUM
fbem-27667	133	31	)	)	PUNCT
fbem-27667	133	32	,	,	PUNCT
fbem-27667	133	33	indicating	indicate	VERB
fbem-27667	133	34	that	that	SCONJ
fbem-27667	133	35	with	with	ADP
fbem-27667	133	36	the	the	DET
fbem-27667	133	37	improvement	improvement	NOUN
fbem-27667	133	38	of	of	ADP
fbem-27667	133	39	digital	digital	ADJ
fbem-27667	133	40	finance	finance	NOUN
fbem-27667	133	41	,	,	PUNCT
fbem-27667	133	42	the	the	DET
fbem-27667	133	43	weighted	weight	VERB
fbem-27667	133	44	mean	mean	NOUN
fbem-27667	133	45	of	of	ADP
fbem-27667	133	46	finance	finance	NOUN
fbem-27667	133	47	cost	cost	NOUN
fbem-27667	133	48	significantly	significantly	ADV
fbem-27667	133	49	decreases	decrease	VERB
fbem-27667	133	50	.	.	PUNCT
fbem-27667	134	1	these	these	DET
fbem-27667	134	2	results	result	NOUN
fbem-27667	134	3	reveal	reveal	VERB
fbem-27667	134	4	the	the	DET
fbem-27667	134	5	complex	complex	ADJ
fbem-27667	134	6	mechanism	mechanism	NOUN
fbem-27667	134	7	of	of	ADP
fbem-27667	134	8	the	the	DET
fbem-27667	134	9	impact	impact	NOUN
fbem-27667	134	10	of	of	ADP
fbem-27667	134	11	different	different	ADJ
fbem-27667	134	12	dimensions	dimension	NOUN
fbem-27667	134	13	of	of	ADP
fbem-27667	134	14	digital	digital	ADJ
fbem-27667	134	15	finance	finance	NOUN
fbem-27667	134	16	on	on	ADP
fbem-27667	134	17	finance	finance	NOUN
fbem-27667	134	18	costs	cost	NOUN
fbem-27667	134	19	and	and	CCONJ
fbem-27667	134	20	highlight	highlight	VERB
fbem-27667	134	21	the	the	DET
fbem-27667	134	22	important	important	ADJ
fbem-27667	134	23	role	role	NOUN
fbem-27667	134	24	of	of	ADP
fbem-27667	134	25	digital	digital	ADJ
fbem-27667	134	26	finance	finance	NOUN
fbem-27667	134	27	in	in	ADP
fbem-27667	134	28	reducing	reduce	VERB
fbem-27667	134	29	finance	finance	NOUN
fbem-27667	134	30	costs	cost	NOUN
fbem-27667	134	31	.	.	PUNCT
fbem-27667	135	1	at	at	ADP
fbem-27667	135	2	the	the	DET
fbem-27667	135	3	same	same	ADJ
fbem-27667	135	4	time	time	NOUN
fbem-27667	135	5	,	,	PUNCT
fbem-27667	135	6	significant	significant	ADJ
fbem-27667	135	7	predictors	predictor	NOUN
fbem-27667	135	8	provide	provide	VERB
fbem-27667	135	9	valuable	valuable	ADJ
fbem-27667	135	10	insights	insight	NOUN
fbem-27667	135	11	for	for	ADP
fbem-27667	135	12	understanding	understanding	NOUN
fbem-27667	135	13	and	and	CCONJ
fbem-27667	135	14	optimizing	optimize	VERB
fbem-27667	135	15	finance	finance	NOUN
fbem-27667	135	16	costs	cost	NOUN
fbem-27667	135	17	,	,	PUNCT
fbem-27667	135	18	and	and	CCONJ
fbem-27667	135	19	provide	provide	VERB
fbem-27667	135	20	meaningful	meaningful	ADJ
fbem-27667	135	21	implications	implication	NOUN
fbem-27667	135	22	for	for	ADP
fbem-27667	135	23	advancing	advance	VERB
fbem-27667	135	24	relevant	relevant	ADJ
fbem-27667	135	25	research	research	NOUN
fbem-27667	135	26	and	and	CCONJ
fbem-27667	135	27	practical	practical	ADJ
fbem-27667	135	28	strategies	strategy	NOUN
fbem-27667	135	29	.	.	PUNCT
fbem-27667	136	1	in	in	ADP
fbem-27667	136	2	conclusion	conclusion	NOUN
fbem-27667	136	3	,	,	PUNCT
fbem-27667	136	4	the	the	DET
fbem-27667	136	5	increase	increase	NOUN
fbem-27667	136	6	in	in	ADP
fbem-27667	136	7	the	the	DET
fbem-27667	136	8	coverage	coverage	NOUN
fbem-27667	136	9	breadth	breadth	NOUN
fbem-27667	136	10	and	and	CCONJ
fbem-27667	136	11	depth	depth	NOUN
fbem-27667	136	12	of	of	ADP
fbem-27667	136	13	use	use	NOUN
fbem-27667	136	14	of	of	ADP
fbem-27667	136	15	digital	digital	ADJ
fbem-27667	136	16	finance	finance	NOUN
fbem-27667	136	17	and	and	CCONJ
fbem-27667	136	18	the	the	DET
fbem-27667	136	19	improvement	improvement	NOUN
fbem-27667	136	20	of	of	ADP
fbem-27667	136	21	the	the	DET
fbem-27667	136	22	level	level	NOUN
fbem-27667	136	23	of	of	ADP
fbem-27667	136	24	digital	digital	ADJ
fbem-27667	136	25	development	development	NOUN
fbem-27667	136	26	are	be	AUX
fbem-27667	136	27	negatively	negatively	ADV
fbem-27667	136	28	correlated	correlate	VERB
fbem-27667	136	29	with	with	ADP
fbem-27667	136	30	the	the	DET
fbem-27667	136	31	weighted	weight	VERB
fbem-27667	136	32	average	average	NOUN
fbem-27667	136	33	of	of	ADP
fbem-27667	136	34	finance	finance	NOUN
fbem-27667	136	35	costs	cost	NOUN
fbem-27667	136	36	,	,	PUNCT
fbem-27667	136	37	indicating	indicate	VERB
fbem-27667	136	38	that	that	SCONJ
fbem-27667	136	39	digital	digital	ADJ
fbem-27667	136	40	finance	finance	NOUN
fbem-27667	136	41	is	be	AUX
fbem-27667	136	42	crucial	crucial	ADJ
fbem-27667	136	43	for	for	ADP
fbem-27667	136	44	reducing	reduce	VERB
fbem-27667	136	45	finance	finance	NOUN
fbem-27667	136	46	costs	cost	NOUN
fbem-27667	136	47	.	.	PUNCT
fbem-27667	137	1	the	the	DET
fbem-27667	137	2	negative	negative	ADJ
fbem-27667	137	3	correlation	correlation	NOUN
fbem-27667	137	4	between	between	ADP
fbem-27667	137	5	the	the	DET
fbem-27667	137	6	level	level	NOUN
fbem-27667	137	7	of	of	ADP
fbem-27667	137	8	digital	digital	ADJ
fbem-27667	137	9	development	development	NOUN
fbem-27667	137	10	is	be	AUX
fbem-27667	137	11	the	the	DET
fbem-27667	137	12	most	most	ADV
fbem-27667	137	13	significant	significant	ADJ
fbem-27667	137	14	.	.	PUNCT
fbem-27667	138	1	220	220	NUM
fbem-27667	138	2	table	table	NOUN
fbem-27667	138	3	3	3	NUM
fbem-27667	138	4	.	.	PUNCT
fbem-27667	138	5	multiple	multiple	ADJ
fbem-27667	138	6	linear	linear	ADJ
fbem-27667	138	7	regression	regression	NOUN
fbem-27667	138	8	analysis	analysis	NOUN
fbem-27667	138	9	between	between	ADP
fbem-27667	138	10	digital	digital	ADJ
fbem-27667	138	11	finance	finance	NOUN
fbem-27667	138	12	and	and	CCONJ
fbem-27667	138	13	finance	finance	NOUN
fbem-27667	138	14	structure	structure	NOUN
fbem-27667	138	15	model	model	NOUN
fbem-27667	138	16	summary	summary	PROPN
fbem-27667	138	17	r	r	PROPN
fbem-27667	138	18	r2	r2	PROPN
fbem-27667	138	19	adj	adj	PROPN
fbem-27667	138	20	.	.	PROPN
fbem-27667	138	21	r2	r2	PROPN
fbem-27667	138	22	std	std	PROPN
fbem-27667	138	23	.	.	PUNCT
fbem-27667	138	24	error	error	NOUN
fbem-27667	138	25	of	of	ADP
fbem-27667	138	26	the	the	DET
fbem-27667	138	27	estimate	estimate	NOUN
fbem-27667	139	1	0.545	0.545	NUM
fbem-27667	139	2	0.297	0.297	NUM
fbem-27667	139	3	0.292	0.292	NUM
fbem-27667	139	4	0.825	0.825	NUM
fbem-27667	139	5	anova	anova	PROPN
fbem-27667	139	6	sum	sum	PROPN
fbem-27667	139	7	of	of	ADP
fbem-27667	139	8	squares	square	NOUN
fbem-27667	139	9	df	df	PROPN
fbem-27667	139	10	mean	mean	PROPN
fbem-27667	139	11	square	square	PROPN
fbem-27667	139	12	f	f	PROPN
fbem-27667	139	13	sig	sig	PROPN
fbem-27667	139	14	.	.	PUNCT
fbem-27667	140	1	regression	regression	VERB
fbem-27667	140	2	115.087	115.087	NUM
fbem-27667	140	3	3	3	NUM
fbem-27667	140	4	38.362	38.362	NUM
fbem-27667	140	5	55.751	55.751	NUM
fbem-27667	140	6	0.000	0.000	NUM
fbem-27667	140	7	residual	residual	ADJ
fbem-27667	140	8	272.49	272.49	NUM
fbem-27667	140	9	396	396	NUM
fbem-27667	140	10	0.688	0.688	NUM
fbem-27667	140	11	total	total	NOUN
fbem-27667	140	12	387.578	387.578	NUM
fbem-27667	140	13	399	399	NUM
fbem-27667	140	14	a.	a.	NOUN
fbem-27667	140	15	dependent	dependent	ADJ
fbem-27667	140	16	variable	variable	NOUN
fbem-27667	140	17	:	:	PUNCT
fbem-27667	140	18	finance	finance	NOUN
fbem-27667	140	19	structure	structure	NOUN
fbem-27667	140	20	weighted	weight	VERB
fbem-27667	140	21	mean	mean	ADJ
fbem-27667	140	22	parameter	parameter	NOUN
fbem-27667	140	23	estimates	estimate	NOUN
fbem-27667	140	24	(	(	PUNCT
fbem-27667	140	25	n=400	n=400	NOUN
fbem-27667	140	26	)	)	PUNCT
fbem-27667	140	27	unstandardized	unstandardized	ADJ
fbem-27667	140	28	coefficients	coefficient	NOUN
fbem-27667	140	29	standardized	standardize	VERB
fbem-27667	140	30	coefficients	coefficient	NOUN
fbem-27667	140	31	t	t	PROPN
fbem-27667	140	32	sig	sig	PROPN
fbem-27667	140	33	.	.	PUNCT
fbem-27667	141	1	b	b	X
fbem-27667	141	2	std	std	PROPN
fbem-27667	141	3	.	.	NOUN
fbem-27667	141	4	error	error	NOUN
fbem-27667	141	5	beta	beta	NOUN
fbem-27667	141	6	constant	constant	ADJ
fbem-27667	141	7	0.540	0.540	NUM
fbem-27667	141	8	0.179	0.179	NUM
fbem-27667	141	9	3.020	3.020	NUM
fbem-27667	141	10	0.003	0.003	NUM
fbem-27667	141	11	breadth	breadth	NOUN
fbem-27667	141	12	of	of	ADP
fbem-27667	141	13	digital	digital	ADJ
fbem-27667	141	14	finance	finance	NOUN
fbem-27667	141	15	coverage	coverage	NOUN
fbem-27667	141	16	weighted	weight	VERB
fbem-27667	141	17	mean	mean	VERB
fbem-27667	141	18	0.212	0.212	NUM
fbem-27667	141	19	0.059	0.059	NUM
fbem-27667	141	20	0.185	0.185	NUM
fbem-27667	141	21	3.562	3.562	NUM
fbem-27667	141	22	0.000	0.000	NUM
fbem-27667	141	23	depth	depth	NOUN
fbem-27667	141	24	of	of	ADP
fbem-27667	141	25	use	use	NOUN
fbem-27667	141	26	of	of	ADP
fbem-27667	141	27	digital	digital	ADJ
fbem-27667	141	28	finance	finance	NOUN
fbem-27667	141	29	weighted	weight	VERB
fbem-27667	141	30	mean	mean	VERB
fbem-27667	142	1	0.307	0.307	NUM
fbem-27667	142	2	0.067	0.067	NUM
fbem-27667	142	3	0.260	0.260	NUM
fbem-27667	142	4	4.553	4.553	NUM
fbem-27667	142	5	0.000	0.000	NUM
fbem-27667	142	6	degree	degree	NOUN
fbem-27667	142	7	of	of	ADP
fbem-27667	142	8	digitalization	digitalization	NOUN
fbem-27667	142	9	weighted	weight	VERB
fbem-27667	142	10	mean	mean	VERB
fbem-27667	142	11	0.255	0.255	NUM
fbem-27667	143	1	0.064	0.064	NUM
fbem-27667	143	2	0.208	0.208	NUM
fbem-27667	143	3	3.961	3.961	NUM
fbem-27667	143	4	0.000	0.000	NUM
fbem-27667	143	5	a.	a.	NOUN
fbem-27667	143	6	dependent	dependent	ADJ
fbem-27667	143	7	variable	variable	NOUN
fbem-27667	143	8	:	:	PUNCT
fbem-27667	143	9	finance	finance	NOUN
fbem-27667	143	10	structure	structure	NOUN
fbem-27667	143	11	weighted	weight	VERB
fbem-27667	143	12	mean	mean	NOUN
fbem-27667	143	13	*	*	PUNCT
fbem-27667	143	14	p<0.05	p<0.05	NOUN
fbem-27667	143	15	,	,	PUNCT
fbem-27667	143	16	*	*	PUNCT
fbem-27667	143	17	*	*	PUNCT
fbem-27667	143	18	p<0.01	p<0.01	PROPN
fbem-27667	143	19	based	base	VERB
fbem-27667	143	20	on	on	ADP
fbem-27667	143	21	three	three	NUM
fbem-27667	143	22	key	key	ADJ
fbem-27667	143	23	factors	factor	NOUN
fbem-27667	143	24	,	,	PUNCT
fbem-27667	143	25	the	the	DET
fbem-27667	143	26	weighted	weight	VERB
fbem-27667	143	27	mean	mean	NOUN
fbem-27667	143	28	of	of	ADP
fbem-27667	143	29	digital	digital	ADJ
fbem-27667	143	30	financial	financial	ADJ
fbem-27667	143	31	coverage	coverage	NOUN
fbem-27667	143	32	breadth	breadth	NOUN
fbem-27667	143	33	,	,	PUNCT
fbem-27667	143	34	the	the	DET
fbem-27667	143	35	weighted	weight	VERB
fbem-27667	143	36	mean	mean	NOUN
fbem-27667	143	37	of	of	ADP
fbem-27667	143	38	digital	digital	ADJ
fbem-27667	143	39	financial	financial	ADJ
fbem-27667	143	40	use	use	NOUN
fbem-27667	143	41	depth	depth	NOUN
fbem-27667	143	42	and	and	CCONJ
fbem-27667	143	43	the	the	DET
fbem-27667	143	44	weighted	weight	VERB
fbem-27667	143	45	mean	mean	NOUN
fbem-27667	143	46	of	of	ADP
fbem-27667	143	47	digital	digital	ADJ
fbem-27667	143	48	degree	degree	NOUN
fbem-27667	143	49	,	,	PUNCT
fbem-27667	143	50	the	the	DET
fbem-27667	143	51	weighted	weight	VERB
fbem-27667	143	52	mean	mean	NOUN
fbem-27667	143	53	of	of	ADP
fbem-27667	143	54	finance	finance	NOUN
fbem-27667	143	55	structure	structure	NOUN
fbem-27667	143	56	is	be	AUX
fbem-27667	143	57	analyzed	analyze	VERB
fbem-27667	143	58	by	by	ADP
fbem-27667	143	59	multiple	multiple	ADJ
fbem-27667	143	60	linear	linear	PROPN
fbem-27667	143	61	regression	regression	NOUN
fbem-27667	143	62	.	.	PUNCT
fbem-27667	144	1	the	the	DET
fbem-27667	144	2	obtained	obtain	VERB
fbem-27667	144	3	results	result	NOUN
fbem-27667	144	4	showed	show	VERB
fbem-27667	144	5	that	that	SCONJ
fbem-27667	144	6	there	there	PRON
fbem-27667	144	7	was	be	VERB
fbem-27667	144	8	a	a	DET
fbem-27667	144	9	statistically	statistically	ADV
fbem-27667	144	10	significant	significant	ADJ
fbem-27667	144	11	regression	regression	NOUN
fbem-27667	144	12	equation	equation	NOUN
fbem-27667	144	13	(	(	PUNCT
fbem-27667	144	14	f	f	X
fbem-27667	144	15	(	(	PUNCT
fbem-27667	144	16	3,396	3,396	NUM
fbem-27667	144	17	)	)	PUNCT
fbem-27667	144	18	=	=	SYM
fbem-27667	144	19	55.751	55.751	NUM
fbem-27667	144	20	,	,	PUNCT
fbem-27667	144	21	p<0.001	p<0.001	PROPN
fbem-27667	144	22	)	)	PUNCT
fbem-27667	144	23	with	with	ADP
fbem-27667	144	24	a	a	DET
fbem-27667	144	25	correlation	correlation	NOUN
fbem-27667	144	26	r²	r²	NOUN
fbem-27667	144	27	of	of	ADP
fbem-27667	144	28	0.297	0.297	NUM
fbem-27667	144	29	and	and	CCONJ
fbem-27667	144	30	an	an	DET
fbem-27667	144	31	adjusted	adjust	VERB
fbem-27667	144	32	r²	r²	NOUN
fbem-27667	144	33	of	of	ADP
fbem-27667	144	34	0.292	0.292	NUM
fbem-27667	144	35	.	.	PUNCT
fbem-27667	145	1	it	it	PRON
fbem-27667	145	2	is	be	AUX
fbem-27667	145	3	worth	worth	ADJ
fbem-27667	145	4	noting	note	VERB
fbem-27667	145	5	that	that	SCONJ
fbem-27667	145	6	the	the	DET
fbem-27667	145	7	weighted	weight	VERB
fbem-27667	145	8	mean	mean	NOUN
fbem-27667	145	9	of	of	ADP
fbem-27667	145	10	digital	digital	ADJ
fbem-27667	145	11	financial	financial	ADJ
fbem-27667	145	12	coverage	coverage	NOUN
fbem-27667	145	13	breadth	breadth	NOUN
fbem-27667	145	14	,	,	PUNCT
fbem-27667	145	15	the	the	DET
fbem-27667	145	16	weighted	weight	VERB
fbem-27667	145	17	mean	mean	NOUN
fbem-27667	145	18	of	of	ADP
fbem-27667	145	19	digital	digital	ADJ
fbem-27667	145	20	financial	financial	ADJ
fbem-27667	145	21	use	use	NOUN
fbem-27667	145	22	depth	depth	NOUN
fbem-27667	145	23	and	and	CCONJ
fbem-27667	145	24	the	the	DET
fbem-27667	145	25	weighted	weight	VERB
fbem-27667	145	26	mean	mean	NOUN
fbem-27667	145	27	of	of	ADP
fbem-27667	145	28	digital	digital	ADJ
fbem-27667	145	29	degree	degree	NOUN
fbem-27667	145	30	all	all	PRON
fbem-27667	145	31	became	become	VERB
fbem-27667	145	32	significant	significant	ADJ
fbem-27667	145	33	predictors	predictor	NOUN
fbem-27667	145	34	,	,	PUNCT
fbem-27667	145	35	and	and	CCONJ
fbem-27667	145	36	all	all	PRON
fbem-27667	145	37	reached	reach	VERB
fbem-27667	145	38	statistical	statistical	ADJ
fbem-27667	145	39	significance	significance	NOUN
fbem-27667	145	40	(	(	PUNCT
fbem-27667	145	41	p<0.001	p<0.001	PROPN
fbem-27667	145	42	)	)	PUNCT
fbem-27667	145	43	.	.	PUNCT
fbem-27667	146	1	the	the	DET
fbem-27667	146	2	model	model	NOUN
fbem-27667	146	3	shows	show	VERB
fbem-27667	146	4	moderate	moderate	ADJ
fbem-27667	146	5	adequacy	adequacy	NOUN
fbem-27667	146	6	in	in	ADP
fbem-27667	146	7	explaining	explain	VERB
fbem-27667	146	8	the	the	DET
fbem-27667	146	9	weighted	weight	VERB
fbem-27667	146	10	mean	mean	ADJ
fbem-27667	146	11	variance	variance	NOUN
fbem-27667	146	12	of	of	ADP
fbem-27667	146	13	the	the	DET
fbem-27667	146	14	finance	finance	NOUN
fbem-27667	146	15	structure	structure	NOUN
fbem-27667	146	16	,	,	PUNCT
fbem-27667	146	17	accounting	account	VERB
fbem-27667	146	18	for	for	ADP
fbem-27667	146	19	about	about	ADV
fbem-27667	146	20	29.7	29.7	NUM
fbem-27667	146	21	%	%	NOUN
fbem-27667	146	22	(	(	PUNCT
fbem-27667	146	23	or	or	CCONJ
fbem-27667	146	24	29.2	29.2	NUM
fbem-27667	146	25	%	%	NOUN
fbem-27667	146	26	after	after	ADP
fbem-27667	146	27	adjustment	adjustment	NOUN
fbem-27667	146	28	)	)	PUNCT
fbem-27667	146	29	of	of	ADP
fbem-27667	146	30	the	the	DET
fbem-27667	146	31	observed	observed	ADJ
fbem-27667	146	32	variability	variability	NOUN
fbem-27667	146	33	.	.	PUNCT
fbem-27667	147	1	specifically	specifically	ADV
fbem-27667	147	2	,	,	PUNCT
fbem-27667	147	3	the	the	DET
fbem-27667	147	4	weighted	weight	VERB
fbem-27667	147	5	mean	mean	NOUN
fbem-27667	147	6	of	of	ADP
fbem-27667	147	7	digital	digital	ADJ
fbem-27667	147	8	finance	finance	NOUN
fbem-27667	147	9	coverage	coverage	NOUN
fbem-27667	147	10	breadth	breadth	NOUN
fbem-27667	147	11	(	(	PUNCT
fbem-27667	147	12	beta=0.185	beta=0.185	NOUN
fbem-27667	147	13	,	,	PUNCT
fbem-27667	147	14	t=3.562	t=3.562	ADJ
fbem-27667	147	15	,	,	PUNCT
fbem-27667	147	16	p<0.001	p<0.001	PROPN
fbem-27667	147	17	)	)	PUNCT
fbem-27667	147	18	,	,	PUNCT
fbem-27667	147	19	the	the	DET
fbem-27667	147	20	weighted	weight	VERB
fbem-27667	147	21	mean	mean	NOUN
fbem-27667	147	22	of	of	ADP
fbem-27667	147	23	digital	digital	ADJ
fbem-27667	147	24	finance	finance	NOUN
fbem-27667	147	25	use	use	NOUN
fbem-27667	147	26	depth	depth	NOUN
fbem-27667	147	27	(	(	PUNCT
fbem-27667	147	28	beta=0.260	beta=0.260	NUM
fbem-27667	147	29	,	,	PUNCT
fbem-27667	147	30	t=4.553	t=4.553	NUM
fbem-27667	147	31	,	,	PUNCT
fbem-27667	147	32	p<0.001	p<0.001	PROPN
fbem-27667	147	33	)	)	PUNCT
fbem-27667	147	34	and	and	CCONJ
fbem-27667	147	35	the	the	DET
fbem-27667	147	36	weighted	weight	VERB
fbem-27667	147	37	mean	mean	NOUN
fbem-27667	147	38	of	of	ADP
fbem-27667	147	39	digital	digital	ADJ
fbem-27667	147	40	degree	degree	NOUN
fbem-27667	147	41	(	(	PUNCT
fbem-27667	147	42	beta=0.208	beta=0.208	NUM
fbem-27667	147	43	,	,	PUNCT
fbem-27667	147	44	t=3.961	t=3.961	NUM
fbem-27667	147	45	,	,	PUNCT
fbem-27667	147	46	p<0.001	p<0.001	PUNCT
fbem-27667	147	47	)	)	PUNCT
fbem-27667	147	48	are	be	AUX
fbem-27667	147	49	positively	positively	ADV
fbem-27667	147	50	correlated	correlate	VERB
fbem-27667	147	51	with	with	ADP
fbem-27667	147	52	the	the	DET
fbem-27667	147	53	weighted	weight	VERB
fbem-27667	147	54	mean	mean	NOUN
fbem-27667	147	55	of	of	ADP
fbem-27667	147	56	finance	finance	NOUN
fbem-27667	147	57	structure	structure	NOUN
fbem-27667	147	58	,	,	PUNCT
fbem-27667	147	59	which	which	PRON
fbem-27667	147	60	means	mean	VERB
fbem-27667	147	61	that	that	SCONJ
fbem-27667	147	62	the	the	DET
fbem-27667	147	63	increase	increase	NOUN
fbem-27667	147	64	in	in	ADP
fbem-27667	147	65	the	the	DET
fbem-27667	147	66	value	value	NOUN
fbem-27667	147	67	of	of	ADP
fbem-27667	147	68	these	these	DET
fbem-27667	147	69	predictors	predictor	NOUN
fbem-27667	147	70	corresponds	correspond	VERB
fbem-27667	147	71	to	to	ADP
fbem-27667	147	72	the	the	DET
fbem-27667	147	73	increase	increase	NOUN
fbem-27667	147	74	in	in	ADP
fbem-27667	147	75	the	the	DET
fbem-27667	147	76	weighted	weight	VERB
fbem-27667	147	77	mean	mean	NOUN
fbem-27667	147	78	of	of	ADP
fbem-27667	147	79	finance	finance	NOUN
fbem-27667	147	80	structure	structure	NOUN
fbem-27667	147	81	.	.	PUNCT
fbem-27667	148	1	these	these	DET
fbem-27667	148	2	results	result	NOUN
fbem-27667	148	3	reveal	reveal	VERB
fbem-27667	148	4	the	the	DET
fbem-27667	148	5	complex	complex	ADJ
fbem-27667	148	6	factors	factor	NOUN
fbem-27667	148	7	that	that	PRON
fbem-27667	148	8	influence	influence	VERB
fbem-27667	148	9	the	the	DET
fbem-27667	148	10	weighted	weighted	ADJ
fbem-27667	148	11	mean	mean	NOUN
fbem-27667	148	12	of	of	ADP
fbem-27667	148	13	the	the	DET
fbem-27667	148	14	finance	finance	NOUN
fbem-27667	148	15	structure	structure	NOUN
fbem-27667	148	16	and	and	CCONJ
fbem-27667	148	17	highlight	highlight	VERB
fbem-27667	148	18	the	the	DET
fbem-27667	148	19	important	important	ADJ
fbem-27667	148	20	role	role	NOUN
fbem-27667	148	21	.	.	PUNCT
fbem-27667	149	1	the	the	DET
fbem-27667	149	2	identification	identification	NOUN
fbem-27667	149	3	of	of	ADP
fbem-27667	149	4	these	these	DET
fbem-27667	149	5	significant	significant	ADJ
fbem-27667	149	6	predictors	predictor	NOUN
fbem-27667	149	7	has	have	AUX
fbem-27667	149	8	enhanced	enhance	VERB
fbem-27667	149	9	the	the	DET
fbem-27667	149	10	understanding	understanding	NOUN
fbem-27667	149	11	of	of	ADP
fbem-27667	149	12	the	the	DET
fbem-27667	149	13	formative	formative	ADJ
fbem-27667	149	14	elements	element	NOUN
fbem-27667	149	15	of	of	ADP
fbem-27667	149	16	finance	finance	NOUN
fbem-27667	149	17	structure	structure	NOUN
fbem-27667	149	18	,	,	PUNCT
fbem-27667	149	19	provided	provide	VERB
fbem-27667	149	20	meaningful	meaningful	ADJ
fbem-27667	149	21	implications	implication	NOUN
fbem-27667	149	22	for	for	ADP
fbem-27667	149	23	advancing	advance	VERB
fbem-27667	149	24	relevant	relevant	ADJ
fbem-27667	149	25	research	research	NOUN
fbem-27667	149	26	in	in	ADP
fbem-27667	149	27	the	the	DET
fbem-27667	149	28	financial	financial	ADJ
fbem-27667	149	29	field	field	NOUN
fbem-27667	149	30	,	,	PUNCT
fbem-27667	149	31	and	and	CCONJ
fbem-27667	149	32	may	may	AUX
fbem-27667	149	33	provide	provide	VERB
fbem-27667	149	34	important	important	ADJ
fbem-27667	149	35	references	reference	NOUN
fbem-27667	149	36	for	for	ADP
fbem-27667	149	37	formulating	formulate	VERB
fbem-27667	149	38	relevant	relevant	ADJ
fbem-27667	149	39	policies	policy	NOUN
fbem-27667	149	40	or	or	CCONJ
fbem-27667	149	41	strategies	strategy	NOUN
fbem-27667	149	42	in	in	ADP
fbem-27667	149	43	the	the	DET
fbem-27667	149	44	future	future	NOUN
fbem-27667	149	45	.	.	PUNCT
fbem-27667	150	1	in	in	ADP
fbem-27667	150	2	summary	summary	NOUN
fbem-27667	150	3	,	,	PUNCT
fbem-27667	150	4	these	these	DET
fbem-27667	150	5	three	three	NUM
fbem-27667	150	6	independent	independent	ADJ
fbem-27667	150	7	variables	variable	NOUN
fbem-27667	150	8	are	be	AUX
fbem-27667	150	9	positively	positively	ADV
fbem-27667	150	10	correlated	correlate	VERB
fbem-27667	150	11	with	with	ADP
fbem-27667	150	12	the	the	DET
fbem-27667	150	13	weighted	weighted	ADJ
fbem-27667	150	14	average	average	NOUN
fbem-27667	150	15	of	of	ADP
fbem-27667	150	16	financial	financial	ADJ
fbem-27667	150	17	structure	structure	NOUN
fbem-27667	150	18	,	,	PUNCT
fbem-27667	150	19	indicating	indicate	VERB
fbem-27667	150	20	that	that	SCONJ
fbem-27667	150	21	the	the	DET
fbem-27667	150	22	increase	increase	NOUN
fbem-27667	150	23	of	of	ADP
fbem-27667	150	24	their	their	PRON
fbem-27667	150	25	values	value	NOUN
fbem-27667	150	26	corresponds	correspond	VERB
fbem-27667	150	27	to	to	ADP
fbem-27667	150	28	the	the	DET
fbem-27667	150	29	increase	increase	NOUN
fbem-27667	150	30	of	of	ADP
fbem-27667	150	31	the	the	DET
fbem-27667	150	32	weighted	weighted	ADJ
fbem-27667	150	33	average	average	NOUN
fbem-27667	150	34	of	of	ADP
fbem-27667	150	35	financial	financial	ADJ
fbem-27667	150	36	structure	structure	NOUN
fbem-27667	150	37	.	.	PUNCT
fbem-27667	151	1	these	these	DET
fbem-27667	151	2	findings	finding	NOUN
fbem-27667	151	3	reveal	reveal	VERB
fbem-27667	151	4	the	the	DET
fbem-27667	151	5	complex	complex	ADJ
fbem-27667	151	6	factors	factor	NOUN
fbem-27667	151	7	that	that	PRON
fbem-27667	151	8	affect	affect	VERB
fbem-27667	151	9	the	the	DET
fbem-27667	151	10	weighted	weighted	ADJ
fbem-27667	151	11	average	average	ADJ
fbem-27667	151	12	value	value	NOUN
fbem-27667	151	13	of	of	ADP
fbem-27667	151	14	financial	financial	ADJ
fbem-27667	151	15	structure	structure	NOUN
fbem-27667	151	16	.	.	PUNCT
fbem-27667	152	1	the	the	DET
fbem-27667	152	2	identification	identification	NOUN
fbem-27667	152	3	of	of	ADP
fbem-27667	152	4	these	these	DET
fbem-27667	152	5	significant	significant	ADJ
fbem-27667	152	6	predictors	predictor	NOUN
fbem-27667	152	7	deepens	deepen	VERB
fbem-27667	152	8	our	our	PRON
fbem-27667	152	9	understanding	understanding	NOUN
fbem-27667	152	10	of	of	ADP
fbem-27667	152	11	the	the	DET
fbem-27667	152	12	formation	formation	NOUN
fbem-27667	152	13	factors	factor	NOUN
fbem-27667	152	14	of	of	ADP
fbem-27667	152	15	financial	financial	ADJ
fbem-27667	152	16	structure	structure	NOUN
fbem-27667	152	17	andprovides	andprovide	NOUN
fbem-27667	152	18	meaningful	meaningful	ADJ
fbem-27667	152	19	implications	implication	NOUN
fbem-27667	152	20	for	for	ADP
fbem-27667	152	21	promoting	promote	VERB
fbem-27667	152	22	related	related	ADJ
fbem-27667	152	23	research	research	NOUN
fbem-27667	152	24	in	in	ADP
fbem-27667	152	25	the	the	DET
fbem-27667	152	26	financial	financial	ADJ
fbem-27667	152	27	field	field	NOUN
fbem-27667	152	28	.	.	PUNCT
fbem-27667	153	1	4	4	X
fbem-27667	153	2	.	.	X
fbem-27667	153	3	conclusions	conclusion	NOUN
fbem-27667	153	4	in	in	ADP
fbem-27667	153	5	conclusion	conclusion	NOUN
fbem-27667	153	6	,	,	PUNCT
fbem-27667	153	7	the	the	DET
fbem-27667	153	8	results	result	NOUN
fbem-27667	153	9	of	of	ADP
fbem-27667	153	10	this	this	DET
fbem-27667	153	11	study	study	NOUN
fbem-27667	153	12	reveal	reveal	VERB
fbem-27667	153	13	the	the	DET
fbem-27667	153	14	relationship	relationship	NOUN
fbem-27667	153	15	between	between	ADP
fbem-27667	153	16	digital	digital	ADJ
fbem-27667	153	17	finance	finance	NOUN
fbem-27667	153	18	and	and	CCONJ
fbem-27667	153	19	finance	finance	NOUN
fbem-27667	153	20	constraints	constraint	NOUN
fbem-27667	153	21	of	of	ADP
fbem-27667	153	22	smes	sme	NOUN
fbem-27667	153	23	.	.	PUNCT
fbem-27667	154	1	a	a	DET
fbem-27667	154	2	series	series	NOUN
fbem-27667	154	3	of	of	ADP
fbem-27667	154	4	conclusions	conclusion	NOUN
fbem-27667	154	5	are	be	AUX
fbem-27667	154	6	obtained	obtain	VERB
fbem-27667	154	7	by	by	ADP
fbem-27667	154	8	analyzing	analyze	VERB
fbem-27667	154	9	the	the	DET
fbem-27667	154	10	statistics	statistic	NOUN
fbem-27667	154	11	of	of	ADP
fbem-27667	154	12	enterprises	enterprise	NOUN
fbem-27667	154	13	,	,	PUNCT
fbem-27667	154	14	the	the	DET
fbem-27667	154	15	results	result	NOUN
fbem-27667	154	16	of	of	ADP
fbem-27667	154	17	and	and	CCONJ
fbem-27667	154	18	multiple	multiple	ADJ
fbem-27667	154	19	regression	regression	NOUN
fbem-27667	154	20	analysis	analysis	NOUN
fbem-27667	154	21	.	.	PUNCT
fbem-27667	155	1	multiple	multiple	ADJ
fbem-27667	155	2	linear	linear	ADJ
fbem-27667	155	3	regression	regression	NOUN
fbem-27667	155	4	analysis	analysis	NOUN
fbem-27667	155	5	enhances	enhance	VERB
fbem-27667	155	6	our	our	PRON
fbem-27667	155	7	comprehension	comprehension	NOUN
fbem-27667	155	8	of	of	ADP
fbem-27667	155	9	the	the	DET
fbem-27667	155	10	interconnections	interconnection	NOUN
fbem-27667	155	11	between	between	ADP
fbem-27667	155	12	the	the	DET
fbem-27667	155	13	three	three	NUM
fbem-27667	155	14	facets	facet	NOUN
fbem-27667	155	15	of	of	ADP
fbem-27667	155	16	digital	digital	ADJ
fbem-27667	155	17	finance	finance	NOUN
fbem-27667	155	18	and	and	CCONJ
fbem-27667	155	19	the	the	DET
fbem-27667	155	20	corresponding	corresponding	ADJ
fbem-27667	155	21	dimensions	dimension	NOUN
fbem-27667	155	22	of	of	ADP
fbem-27667	155	23	finance	finance	NOUN
fbem-27667	155	24	constraints	constraint	NOUN
fbem-27667	155	25	.	.	PUNCT
fbem-27667	156	1	broad	broad	ADJ
fbem-27667	156	2	coverage	coverage	NOUN
fbem-27667	156	3	of	of	ADP
fbem-27667	156	4	digital	digital	ADJ
fbem-27667	156	5	finance	finance	NOUN
fbem-27667	156	6	,	,	PUNCT
fbem-27667	156	7	extensive	extensive	ADJ
fbem-27667	156	8	utilization	utilization	NOUN
fbem-27667	156	9	of	of	ADP
fbem-27667	156	10	digital	digital	ADJ
fbem-27667	156	11	financial	financial	ADJ
fbem-27667	156	12	tools	tool	NOUN
fbem-27667	156	13	,	,	PUNCT
fbem-27667	156	14	and	and	CCONJ
fbem-27667	156	15	a	a	DET
fbem-27667	156	16	high	high	ADJ
fbem-27667	156	17	level	level	NOUN
fbem-27667	156	18	of	of	ADP
fbem-27667	156	19	digitalization	digitalization	NOUN
fbem-27667	156	20	generally	generally	ADV
fbem-27667	156	21	contribute	contribute	VERB
fbem-27667	156	22	positively	positively	ADV
fbem-27667	156	23	to	to	ADP
fbem-27667	156	24	finance	finance	NOUN
fbem-27667	156	25	channels	channel	NOUN
fbem-27667	156	26	,	,	PUNCT
fbem-27667	156	27	a	a	DET
fbem-27667	156	28	significant	significant	ADJ
fbem-27667	156	29	negative	negative	ADJ
fbem-27667	156	30	impact	impact	NOUN
fbem-27667	156	31	on	on	ADP
fbem-27667	156	32	finance	finance	NOUN
fbem-27667	156	33	costs	cost	NOUN
fbem-27667	156	34	,	,	PUNCT
fbem-27667	156	35	and	and	CCONJ
fbem-27667	156	36	a	a	DET
fbem-27667	156	37	significant	significant	ADJ
fbem-27667	156	38	positive	positive	ADJ
fbem-27667	156	39	impacton	impacton	NOUN
fbem-27667	156	40	finance	finance	NOUN
fbem-27667	156	41	structure	structure	NOUN
fbem-27667	156	42	.	.	PUNCT
fbem-27667	157	1	there	there	PRON
fbem-27667	157	2	is	be	VERB
fbem-27667	157	3	no	no	DET
fbem-27667	157	4	significant	significant	ADJ
fbem-27667	157	5	difference	difference	NOUN
fbem-27667	157	6	in	in	ADP
fbem-27667	157	7	years	year	NOUN
fbem-27667	157	8	established	establish	VERB
fbem-27667	157	9	,	,	PUNCT
fbem-27667	157	10	company	company	NOUN
fbem-27667	157	11	size	size	NOUN
fbem-27667	157	12	and	and	CCONJ
fbem-27667	157	13	industry	industry	NOUN
fbem-27667	157	14	type	type	NOUN
fbem-27667	157	15	regarding	regard	VERB
fbem-27667	157	16	digital	digital	ADJ
fbem-27667	157	17	finance	finance	NOUN
fbem-27667	157	18	and	and	CCONJ
fbem-27667	157	19	its	its	PRON
fbem-27667	157	20	finance	finance	NOUN
fbem-27667	157	21	constraints	constraint	NOUN
fbem-27667	157	22	,	,	PUNCT
fbem-27667	157	23	but	but	CCONJ
fbem-27667	157	24	there	there	PRON
fbem-27667	157	25	are	be	VERB
fbem-27667	157	26	significant	significant	ADJ
fbem-27667	157	27	differences	difference	NOUN
fbem-27667	157	28	in	in	ADP
fbem-27667	157	29	years	year	NOUN
fbem-27667	157	30	of	of	ADP
fbem-27667	157	31	digital	digital	ADJ
fbem-27667	157	32	finance	finance	NOUN
fbem-27667	157	33	usage	usage	NOUN
fbem-27667	157	34	,	,	PUNCT
fbem-27667	157	35	nature	nature	NOUN
fbem-27667	157	36	of	of	ADP
fbem-27667	157	37	the	the	DET
fbem-27667	157	38	firm	firm	NOUN
fbem-27667	157	39	and	and	CCONJ
fbem-27667	157	40	location	location	NOUN
fbem-27667	157	41	of	of	ADP
fbem-27667	157	42	the	the	DET
fbem-27667	157	43	firm	firm	NOUN
fbem-27667	157	44	.	.	PUNCT
fbem-27667	158	1	enterprises	enterprise	NOUN
fbem-27667	158	2	that	that	PRON
fbem-27667	158	3	have	have	AUX
fbem-27667	158	4	used	use	VERB
fbem-27667	158	5	digital	digital	ADJ
fbem-27667	158	6	finance	finance	NOUN
fbem-27667	158	7	for	for	ADP
fbem-27667	158	8	a	a	DET
fbem-27667	158	9	long	long	ADJ
fbem-27667	158	10	time	time	NOUN
fbem-27667	158	11	have	have	AUX
fbem-27667	158	12	established	establish	VERB
fbem-27667	158	13	a	a	DET
fbem-27667	158	14	more	more	ADV
fbem-27667	158	15	perfect	perfect	ADJ
fbem-27667	158	16	digital	digital	ADJ
fbem-27667	158	17	transformation	transformation	NOUN
fbem-27667	158	18	system	system	NOUN
fbem-27667	158	19	,	,	PUNCT
fbem-27667	158	20	which	which	PRON
fbem-27667	158	21	can	can	AUX
fbem-27667	158	22	make	make	VERB
fbem-27667	158	23	better	well	ADJ
fbem-27667	158	24	use	use	NOUN
fbem-27667	158	25	of	of	ADP
fbem-27667	158	26	digital	digital	ADJ
fbem-27667	158	27	financial	financial	ADJ
fbem-27667	158	28	tools	tool	NOUN
fbem-27667	158	29	and	and	CCONJ
fbem-27667	158	30	reduce	reduce	VERB
fbem-27667	158	31	finance	finance	NOUN
fbem-27667	158	32	constraints	constraint	NOUN
fbem-27667	158	33	.	.	PUNCT
fbem-27667	159	1	state	state	NOUN
fbem-27667	159	2	-	-	PUNCT
fbem-27667	159	3	owned	own	VERB
fbem-27667	159	4	enterprises	enterprise	NOUN
fbem-27667	159	5	or	or	CCONJ
fbem-27667	159	6	enterprises	enterprise	NOUN
fbem-27667	159	7	with	with	ADP
fbem-27667	159	8	state	state	NOUN
fbem-27667	159	9	-	-	PUNCT
fbem-27667	159	10	owned	own	VERB
fbem-27667	159	11	background	background	NOUN
fbem-27667	159	12	are	be	AUX
fbem-27667	159	13	more	more	ADV
fbem-27667	159	14	successful	successful	ADJ
fbem-27667	159	15	in	in	ADP
fbem-27667	159	16	advancing	advance	VERB
fbem-27667	159	17	and	and	CCONJ
fbem-27667	159	18	implementing	implement	VERB
fbem-27667	159	19	digital	digital	ADJ
fbem-27667	159	20	financial	financial	ADJ
fbem-27667	159	21	solutions	solution	NOUN
fbem-27667	159	22	.	.	PUNCT
fbem-27667	160	1	multiple	multiple	ADJ
fbem-27667	160	2	linear	linear	ADJ
fbem-27667	160	3	regression	regression	NOUN
fbem-27667	160	4	analysis	analysis	NOUN
fbem-27667	160	5	shows	show	VERB
fbem-27667	160	6	that	that	SCONJ
fbem-27667	160	7	the	the	DET
fbem-27667	160	8	coverage	coverage	NOUN
fbem-27667	160	9	,	,	PUNCT
fbem-27667	160	10	depth	depth	NOUN
fbem-27667	160	11	of	of	ADP
fbem-27667	160	12	use	use	NOUN
fbem-27667	160	13	and	and	CCONJ
fbem-27667	160	14	digitalization	digitalization	NOUN
fbem-27667	160	15	of	of	ADP
fbem-27667	160	16	digital	digital	ADJ
fbem-27667	160	17	finance	finance	NOUN
fbem-27667	160	18	have	have	VERB
fbem-27667	160	19	a	a	DET
fbem-27667	160	20	positive	positive	ADJ
fbem-27667	160	21	impact	impact	NOUN
fbem-27667	160	22	on	on	ADP
fbem-27667	160	23	finance	finance	NOUN
fbem-27667	160	24	channels	channel	NOUN
fbem-27667	160	25	,	,	PUNCT
fbem-27667	160	26	a	a	DET
fbem-27667	160	27	negative	negative	ADJ
fbem-27667	160	28	impact	impact	NOUN
fbem-27667	160	29	on	on	ADP
fbem-27667	160	30	finance	finance	NOUN
fbem-27667	160	31	costs	cost	NOUN
fbem-27667	160	32	,	,	PUNCT
fbem-27667	160	33	and	and	CCONJ
fbem-27667	160	34	a	a	DET
fbem-27667	160	35	positive	positive	ADJ
fbem-27667	160	36	impact	impact	NOUN
fbem-27667	160	37	on	on	ADP
fbem-27667	160	38	finance	finance	NOUN
fbem-27667	160	39	structure	structure	NOUN
fbem-27667	160	40	.	.	PUNCT
fbem-27667	161	1	these	these	DET
fbem-27667	161	2	findings	finding	NOUN
fbem-27667	161	3	suggest	suggest	VERB
fbem-27667	161	4	that	that	SCONJ
fbem-27667	161	5	policy	policy	NOUN
fbem-27667	161	6	makers	maker	NOUN
fbem-27667	161	7	and	and	CCONJ
fbem-27667	161	8	enterprise	enterprise	NOUN
fbem-27667	161	9	managers	manager	NOUN
fbem-27667	161	10	should	should	AUX
fbem-27667	161	11	formulate	formulate	VERB
fbem-27667	161	12	targeted	target	VERB
fbem-27667	161	13	digital	digital	ADJ
fbem-27667	161	14	finance	finance	NOUN
fbem-27667	161	15	promotion	promotion	NOUN
fbem-27667	161	16	and	and	CCONJ
fbem-27667	161	17	finance	finance	NOUN
fbem-27667	161	18	support	support	NOUN
fbem-27667	161	19	policies	policy	NOUN
fbem-27667	161	20	according	accord	VERB
fbem-27667	161	21	to	to	ADP
fbem-27667	161	22	the	the	DET
fbem-27667	161	23	situation	situation	NOUN
fbem-27667	161	24	of	of	ADP
fbem-27667	161	25	enterprises	enterprise	NOUN
fbem-27667	161	26	and	and	CCONJ
fbem-27667	161	27	regional	regional	ADJ
fbem-27667	161	28	characteristics	characteristic	NOUN
fbem-27667	161	29	.	.	PUNCT
fbem-27667	162	1	5	5	X
fbem-27667	162	2	.	.	X
fbem-27667	162	3	recommendations	recommendation	NOUN
fbem-27667	162	4	it	it	PRON
fbem-27667	162	5	is	be	AUX
fbem-27667	162	6	recommended	recommend	VERB
fbem-27667	162	7	to	to	PART
fbem-27667	162	8	focus	focus	VERB
fbem-27667	162	9	on	on	ADP
fbem-27667	162	10	tailored	tailor	VERB
fbem-27667	162	11	strategies	strategy	NOUN
fbem-27667	162	12	for	for	ADP
fbem-27667	162	13	promoting	promote	VERB
fbem-27667	162	14	digital	digital	ADJ
fbem-27667	162	15	finance	finance	NOUN
fbem-27667	162	16	and	and	CCONJ
fbem-27667	162	17	addressing	address	VERB
fbem-27667	162	18	finance	finance	NOUN
fbem-27667	162	19	constraints	constraint	NOUN
fbem-27667	162	20	among	among	ADP
fbem-27667	162	21	smes	sme	NOUN
fbem-27667	162	22	,	,	PUNCT
fbem-27667	162	23	taking	take	VERB
fbem-27667	162	24	into	into	ADP
fbem-27667	162	25	account	account	NOUN
fbem-27667	162	26	the	the	DET
fbem-27667	162	27	significant	significant	ADJ
fbem-27667	162	28	impact	impact	NOUN
fbem-27667	162	29	of	of	ADP
fbem-27667	162	30	years	year	NOUN
fbem-27667	162	31	of	of	ADP
fbem-27667	162	32	digital	digital	ADJ
fbem-27667	162	33	finance	finance	NOUN
fbem-27667	162	34	usage	usage	NOUN
fbem-27667	162	35	,	,	PUNCT
fbem-27667	162	36	the	the	DET
fbem-27667	162	37	nature	nature	NOUN
fbem-27667	162	38	of	of	ADP
fbem-27667	162	39	the	the	DET
fbem-27667	162	40	firm	firm	NOUN
fbem-27667	162	41	,	,	PUNCT
fbem-27667	162	42	and	and	CCONJ
fbem-27667	162	43	its	its	PRON
fbem-27667	162	44	location	location	NOUN
fbem-27667	162	45	.	.	PUNCT
fbem-27667	163	1	policies	policy	NOUN
fbem-27667	163	2	and	and	CCONJ
fbem-27667	163	3	initiatives	initiative	NOUN
fbem-27667	163	4	should	should	AUX
fbem-27667	163	5	be	be	AUX
fbem-27667	163	6	designed	design	VERB
fbem-27667	163	7	to	to	PART
fbem-27667	163	8	cater	cater	VERB
fbem-27667	163	9	to	to	ADP
fbem-27667	163	10	the	the	DET
fbem-27667	163	11	varying	vary	VERB
fbem-27667	163	12	needs	need	NOUN
fbem-27667	163	13	and	and	CCONJ
fbem-27667	163	14	experiences	experience	NOUN
fbem-27667	163	15	of	of	ADP
fbem-27667	163	16	smes	sme	NOUN
fbem-27667	163	17	in	in	ADP
fbem-27667	163	18	these	these	DET
fbem-27667	163	19	221	221	NUM
fbem-27667	163	20	dimensions	dimension	NOUN
fbem-27667	163	21	.	.	PUNCT
fbem-27667	164	1	for	for	ADP
fbem-27667	164	2	instance	instance	NOUN
fbem-27667	164	3	,	,	PUNCT
fbem-27667	164	4	providing	provide	VERB
fbem-27667	164	5	targeted	target	VERB
fbem-27667	164	6	training	training	NOUN
fbem-27667	164	7	and	and	CCONJ
fbem-27667	164	8	support	support	NOUN
fbem-27667	164	9	for	for	ADP
fbem-27667	164	10	smes	sme	NOUN
fbem-27667	164	11	with	with	ADP
fbem-27667	164	12	limited	limited	ADJ
fbem-27667	164	13	experience	experience	NOUN
fbem-27667	164	14	in	in	ADP
fbem-27667	164	15	digital	digital	ADJ
fbem-27667	164	16	finance	finance	NOUN
fbem-27667	164	17	,	,	PUNCT
fbem-27667	164	18	offering	offer	VERB
fbem-27667	164	19	specialized	specialized	ADJ
fbem-27667	164	20	solutions	solution	NOUN
fbem-27667	164	21	for	for	ADP
fbem-27667	164	22	non	non	ADJ
fbem-27667	164	23	-	-	ADJ
fbem-27667	164	24	state	state	NOUN
fbem-27667	164	25	-	-	PUNCT
fbem-27667	164	26	owned	own	VERB
fbem-27667	164	27	enterprises	enterprise	NOUN
fbem-27667	164	28	or	or	CCONJ
fbem-27667	164	29	those	those	PRON
fbem-27667	164	30	located	locate	VERB
fbem-27667	164	31	in	in	ADP
fbem-27667	164	32	less	less	ADJ
fbem-27667	164	33	developed	developed	ADJ
fbem-27667	164	34	areas	area	NOUN
fbem-27667	164	35	,	,	PUNCT
fbem-27667	164	36	and	and	CCONJ
fbem-27667	164	37	fostering	foster	VERB
fbem-27667	164	38	a	a	DET
fbem-27667	164	39	collaborative	collaborative	ADJ
fbem-27667	164	40	environment	environment	NOUN
fbem-27667	164	41	where	where	SCONJ
fbem-27667	164	42	firms	firm	NOUN
fbem-27667	164	43	can	can	AUX
fbem-27667	164	44	share	share	VERB
fbem-27667	164	45	best	good	ADJ
fbem-27667	164	46	practices	practice	NOUN
fbem-27667	164	47	based	base	VERB
fbem-27667	164	48	on	on	ADP
fbem-27667	164	49	their	their	PRON
fbem-27667	164	50	years	year	NOUN
fbem-27667	164	51	of	of	ADP
fbem-27667	164	52	digital	digital	ADJ
fbem-27667	164	53	finance	finance	NOUN
fbem-27667	164	54	usage	usage	NOUN
fbem-27667	164	55	.	.	PUNCT
fbem-27667	165	1	by	by	ADP
fbem-27667	165	2	doing	do	VERB
fbem-27667	165	3	so	so	ADV
fbem-27667	165	4	,	,	PUNCT
fbem-27667	165	5	smes	sme	NOUN
fbem-27667	165	6	can	can	AUX
fbem-27667	165	7	more	more	ADV
fbem-27667	165	8	effectively	effectively	ADV
fbem-27667	165	9	leverage	leverage	VERB
fbem-27667	165	10	digital	digital	ADJ
fbem-27667	165	11	finance	finance	NOUN
fbem-27667	165	12	to	to	PART
fbem-27667	165	13	overcome	overcome	VERB
fbem-27667	165	14	finance	finance	NOUN
fbem-27667	165	15	constraints	constraint	NOUN
fbem-27667	165	16	and	and	CCONJ
fbem-27667	165	17	enhance	enhance	VERB
fbem-27667	165	18	their	their	PRON
fbem-27667	165	19	overall	overall	ADJ
fbem-27667	165	20	competitiveness	competitiveness	NOUN
fbem-27667	165	21	.	.	PUNCT
fbem-27667	166	1	based	base	VERB
fbem-27667	166	2	on	on	ADP
fbem-27667	166	3	the	the	DET
fbem-27667	166	4	findings	finding	NOUN
fbem-27667	166	5	from	from	ADP
fbem-27667	166	6	the	the	DET
fbem-27667	166	7	multiple	multiple	ADJ
fbem-27667	166	8	linear	linear	ADJ
fbem-27667	166	9	regression	regression	NOUN
fbem-27667	166	10	analysis	analysis	NOUN
fbem-27667	166	11	,	,	PUNCT
fbem-27667	166	12	it	it	PRON
fbem-27667	166	13	is	be	AUX
fbem-27667	166	14	recommended	recommend	VERB
fbem-27667	166	15	that	that	SCONJ
fbem-27667	166	16	policymakers	policymaker	NOUN
fbem-27667	166	17	and	and	CCONJ
fbem-27667	166	18	enterprise	enterprise	NOUN
fbem-27667	166	19	managers	manager	NOUN
fbem-27667	166	20	take	take	VERB
fbem-27667	166	21	a	a	DET
fbem-27667	166	22	targeted	target	VERB
fbem-27667	166	23	approach	approach	NOUN
fbem-27667	166	24	in	in	ADP
fbem-27667	166	25	formulating	formulate	VERB
fbem-27667	166	26	digital	digital	ADJ
fbem-27667	166	27	finance	finance	NOUN
fbem-27667	166	28	promotion	promotion	NOUN
fbem-27667	166	29	and	and	CCONJ
fbem-27667	166	30	financial	financial	ADJ
fbem-27667	166	31	support	support	NOUN
fbem-27667	166	32	policies	policy	NOUN
fbem-27667	166	33	.	.	PUNCT
fbem-27667	167	1	for	for	ADP
fbem-27667	167	2	enterprises	enterprise	NOUN
fbem-27667	167	3	with	with	ADP
fbem-27667	167	4	longer	long	ADJ
fbem-27667	167	5	experience	experience	NOUN
fbem-27667	167	6	in	in	ADP
fbem-27667	167	7	digital	digital	ADJ
fbem-27667	167	8	finance	finance	NOUN
fbem-27667	167	9	,	,	PUNCT
fbem-27667	167	10	further	far	ADV
fbem-27667	167	11	enhancing	enhance	VERB
fbem-27667	167	12	their	their	PRON
fbem-27667	167	13	digital	digital	ADJ
fbem-27667	167	14	transformation	transformation	NOUN
fbem-27667	167	15	capabilities	capability	NOUN
fbem-27667	167	16	and	and	CCONJ
fbem-27667	167	17	leveraging	leverage	VERB
fbem-27667	167	18	advanced	advanced	ADJ
fbem-27667	167	19	digital	digital	ADJ
fbem-27667	167	20	financial	financial	ADJ
fbem-27667	167	21	tools	tool	NOUN
fbem-27667	167	22	can	can	AUX
fbem-27667	167	23	further	far	ADV
fbem-27667	167	24	reduce	reduce	VERB
fbem-27667	167	25	financial	financial	ADJ
fbem-27667	167	26	constraints	constraint	NOUN
fbem-27667	167	27	.	.	PUNCT
fbem-27667	168	1	for	for	ADP
fbem-27667	168	2	state	state	NOUN
fbem-27667	168	3	-	-	PUNCT
fbem-27667	168	4	owned	own	VERB
fbem-27667	168	5	enterprises	enterprise	NOUN
fbem-27667	168	6	or	or	CCONJ
fbem-27667	168	7	those	those	PRON
fbem-27667	168	8	with	with	ADP
fbem-27667	168	9	state	state	NOUN
fbem-27667	168	10	-	-	PUNCT
fbem-27667	168	11	owned	own	VERB
fbem-27667	168	12	backgrounds	background	NOUN
fbem-27667	168	13	,	,	PUNCT
fbem-27667	168	14	policies	policy	NOUN
fbem-27667	168	15	should	should	AUX
fbem-27667	168	16	focus	focus	VERB
fbem-27667	168	17	on	on	ADP
fbem-27667	168	18	sustaining	sustain	VERB
fbem-27667	168	19	their	their	PRON
fbem-27667	168	20	success	success	NOUN
fbem-27667	168	21	in	in	ADP
fbem-27667	168	22	digital	digital	ADJ
fbem-27667	168	23	finance	finance	NOUN
fbem-27667	168	24	adoption	adoption	NOUN
fbem-27667	168	25	.	.	PUNCT
fbem-27667	169	1	additionally	additionally	ADV
fbem-27667	169	2	,	,	PUNCT
fbem-27667	169	3	regional	regional	ADJ
fbem-27667	169	4	characteristics	characteristic	NOUN
fbem-27667	169	5	,	,	PUNCT
fbem-27667	169	6	including	include	VERB
fbem-27667	169	7	the	the	DET
fbem-27667	169	8	economic	economic	ADJ
fbem-27667	169	9	development	development	NOUN
fbem-27667	169	10	level	level	NOUN
fbem-27667	169	11	and	and	CCONJ
fbem-27667	169	12	digitalization	digitalization	NOUN
fbem-27667	169	13	degree	degree	NOUN
fbem-27667	169	14	,	,	PUNCT
fbem-27667	169	15	should	should	AUX
fbem-27667	169	16	be	be	AUX
fbem-27667	169	17	factored	factor	VERB
fbem-27667	169	18	into	into	ADP
fbem-27667	169	19	policy	policy	NOUN
fbem-27667	169	20	decisions	decision	NOUN
fbem-27667	169	21	to	to	PART
fbem-27667	169	22	ensure	ensure	VERB
fbem-27667	169	23	that	that	SCONJ
fbem-27667	169	24	they	they	PRON
fbem-27667	169	25	support	support	VERB
fbem-27667	169	26	the	the	DET
fbem-27667	169	27	digital	digital	ADJ
fbem-27667	169	28	finance	finance	NOUN
fbem-27667	169	29	needs	need	NOUN
fbem-27667	169	30	of	of	ADP
fbem-27667	169	31	enterprises	enterprise	NOUN
fbem-27667	169	32	in	in	ADP
fbem-27667	169	33	different	different	ADJ
fbem-27667	169	34	areas	area	NOUN
fbem-27667	169	35	.	.	PUNCT
fbem-27667	170	1	by	by	ADP
fbem-27667	170	2	adopting	adopt	VERB
fbem-27667	170	3	a	a	DET
fbem-27667	170	4	tailored	tailor	VERB
fbem-27667	170	5	and	and	CCONJ
fbem-27667	170	6	comprehensive	comprehensive	ADJ
fbem-27667	170	7	approach	approach	NOUN
fbem-27667	170	8	,	,	PUNCT
fbem-27667	170	9	policymakers	policymaker	NOUN
fbem-27667	170	10	and	and	CCONJ
fbem-27667	170	11	managers	manager	NOUN
fbem-27667	170	12	can	can	AUX
fbem-27667	170	13	foster	foster	VERB
fbem-27667	170	14	the	the	DET
fbem-27667	170	15	digital	digital	ADJ
fbem-27667	170	16	transformation	transformation	NOUN
fbem-27667	170	17	and	and	CCONJ
fbem-27667	170	18	sustainable	sustainable	ADJ
fbem-27667	170	19	development	development	NOUN
fbem-27667	170	20	of	of	ADP
fbem-27667	170	21	enterprises	enterprise	NOUN
fbem-27667	170	22	,	,	PUNCT
fbem-27667	170	23	ultimately	ultimately	ADV
fbem-27667	170	24	contributing	contribute	VERB
fbem-27667	170	25	to	to	ADP
fbem-27667	170	26	overall	overall	ADJ
fbem-27667	170	27	economic	economic	ADJ
fbem-27667	170	28	growth	growth	NOUN
fbem-27667	170	29	and	and	CCONJ
fbem-27667	170	30	innovation	innovation	NOUN
fbem-27667	170	31	.	.	PUNCT
fbem-27667	171	1	for	for	ADP
fbem-27667	171	2	future	future	ADJ
fbem-27667	171	3	research	research	NOUN
fbem-27667	171	4	,	,	PUNCT
fbem-27667	171	5	researchers	researcher	NOUN
fbem-27667	171	6	need	need	VERB
fbem-27667	171	7	to	to	PART
fbem-27667	171	8	further	far	ADV
fbem-27667	171	9	explore	explore	VERB
fbem-27667	171	10	the	the	DET
fbem-27667	171	11	root	root	NOUN
fbem-27667	171	12	causes	cause	NOUN
fbem-27667	171	13	of	of	ADP
fbem-27667	171	14	smes	sme	NOUN
fbem-27667	171	15	finance	finance	NOUN
fbem-27667	171	16	difficulties	difficulty	NOUN
fbem-27667	171	17	and	and	CCONJ
fbem-27667	171	18	explore	explore	VERB
fbem-27667	171	19	how	how	SCONJ
fbem-27667	171	20	to	to	PART
fbem-27667	171	21	use	use	VERB
fbem-27667	171	22	blockchain	blockchain	NOUN
fbem-27667	171	23	,	,	PUNCT
fbem-27667	171	24	large	large	ADJ
fbem-27667	171	25	-	-	PUNCT
fbem-27667	171	26	scale	scale	NOUN
fbem-27667	171	27	data	data	NOUN
fbem-27667	171	28	analytics	analytic	NOUN
fbem-27667	171	29	alongside	alongside	ADP
fbem-27667	171	30	emerging	emerge	VERB
fbem-27667	171	31	technological	technological	ADJ
fbem-27667	171	32	advancements	advancement	NOUN
fbem-27667	171	33	to	to	PART
fbem-27667	171	34	reduce	reduce	VERB
fbem-27667	171	35	information	information	NOUN
fbem-27667	171	36	asymmetry	asymmetry	NOUN
fbem-27667	171	37	and	and	CCONJ
fbem-27667	171	38	improve	improve	VERB
fbem-27667	171	39	finance	finance	NOUN
fbem-27667	171	40	efficiency	efficiency	NOUN
fbem-27667	171	41	.	.	PUNCT
fbem-27667	172	1	at	at	ADP
fbem-27667	172	2	the	the	DET
fbem-27667	172	3	same	same	ADJ
fbem-27667	172	4	time	time	NOUN
fbem-27667	172	5	,	,	PUNCT
fbem-27667	172	6	conduct	conduct	VERB
fbem-27667	172	7	fine	fine	ADV
fbem-27667	172	8	-	-	PUNCT
fbem-27667	172	9	grained	grain	VERB
fbem-27667	172	10	evaluation	evaluation	NOUN
fbem-27667	172	11	of	of	ADP
fbem-27667	172	12	policy	policy	NOUN
fbem-27667	172	13	effects	effect	NOUN
fbem-27667	172	14	and	and	CCONJ
fbem-27667	172	15	analyze	analyze	VERB
fbem-27667	172	16	the	the	DET
fbem-27667	172	17	actual	actual	ADJ
fbem-27667	172	18	effects	effect	NOUN
fbem-27667	172	19	of	of	ADP
fbem-27667	172	20	different	different	ADJ
fbem-27667	172	21	policy	policy	NOUN
fbem-27667	172	22	tools	tool	NOUN
fbem-27667	172	23	on	on	ADP
fbem-27667	172	24	sme	sme	PROPN
fbem-27667	172	25	finance	finance	NOUN
fbem-27667	172	26	to	to	PART
fbem-27667	172	27	provide	provide	VERB
fbem-27667	172	28	scientific	scientific	ADJ
fbem-27667	172	29	basis	basis	NOUN
fbem-27667	172	30	for	for	ADP
fbem-27667	172	31	policy	policy	NOUN
fbem-27667	172	32	optimization	optimization	NOUN
fbem-27667	172	33	.	.	PUNCT
fbem-27667	173	1	researchers	researcher	NOUN
fbem-27667	173	2	should	should	AUX
fbem-27667	173	3	continue	continue	VERB
fbem-27667	173	4	to	to	PART
fbem-27667	173	5	pay	pay	VERB
fbem-27667	173	6	attention	attention	NOUN
fbem-27667	173	7	to	to	ADP
fbem-27667	173	8	changes	change	NOUN
fbem-27667	173	9	in	in	ADP
fbem-27667	173	10	the	the	DET
fbem-27667	173	11	domestic	domestic	ADJ
fbem-27667	173	12	and	and	CCONJ
fbem-27667	173	13	international	international	ADJ
fbem-27667	173	14	financial	financial	ADJ
fbem-27667	173	15	environment	environment	NOUN
fbem-27667	173	16	and	and	CCONJ
fbem-27667	173	17	predict	predict	VERB
fbem-27667	173	18	future	future	ADJ
fbem-27667	173	19	trends	trend	NOUN
fbem-27667	173	20	to	to	PART
fbem-27667	173	21	provide	provide	VERB
fbem-27667	173	22	forward	forward	ADV
fbem-27667	173	23	-	-	PUNCT
fbem-27667	173	24	looking	look	VERB
fbem-27667	173	25	guidance	guidance	NOUN
fbem-27667	173	26	for	for	ADP
fbem-27667	173	27	smes	sme	NOUN
fbem-27667	173	28	.	.	PUNCT
fbem-27667	174	1	encourage	encourage	VERB
fbem-27667	174	2	researchers	researcher	NOUN
fbem-27667	174	3	to	to	PART
fbem-27667	174	4	explore	explore	VERB
fbem-27667	174	5	diverse	diverse	ADJ
fbem-27667	174	6	finance	finance	NOUN
fbem-27667	174	7	channels	channel	NOUN
fbem-27667	174	8	other	other	ADJ
fbem-27667	174	9	than	than	ADP
fbem-27667	174	10	traditional	traditional	ADJ
fbem-27667	174	11	bankloans	bankloan	NOUN
fbem-27667	174	12	,	,	PUNCT
fbem-27667	174	13	such	such	ADJ
fbem-27667	174	14	as	as	ADP
fbem-27667	174	15	equity	equity	NOUN
fbem-27667	174	16	finance	finance	NOUN
fbem-27667	174	17	,	,	PUNCT
fbem-27667	174	18	bond	bond	NOUN
fbem-27667	174	19	finance	finance	NOUN
fbem-27667	174	20	,	,	PUNCT
fbem-27667	174	21	crowdfunding	crowdfunding	NOUN
fbem-27667	174	22	,	,	PUNCT
fbem-27667	174	23	etc	etc	X
fbem-27667	174	24	.	.	X
fbem-27667	174	25	,	,	PUNCT
fbem-27667	174	26	and	and	CCONJ
fbem-27667	174	27	analyze	analyze	VERB
fbem-27667	174	28	the	the	DET
fbem-27667	174	29	advantages	advantage	NOUN
fbem-27667	174	30	,	,	PUNCT
fbem-27667	174	31	disadvantages	disadvantage	NOUN
fbem-27667	174	32	,	,	PUNCT
fbem-27667	174	33	and	and	CCONJ
fbem-27667	174	34	applicable	applicable	ADJ
fbem-27667	174	35	conditions	condition	NOUN
fbem-27667	174	36	of	of	ADP
fbem-27667	174	37	each	each	DET
fbem-27667	174	38	channel	channel	NOUN
fbem-27667	174	39	to	to	PART
fbem-27667	174	40	provide	provide	VERB
fbem-27667	174	41	diversified	diversified	ADJ
fbem-27667	174	42	finance	finance	NOUN
fbem-27667	174	43	options	option	NOUN
fbem-27667	174	44	for	for	ADP
fbem-27667	174	45	smes	sme	NOUN
fbem-27667	174	46	.	.	PUNCT
fbem-27667	175	1	at	at	ADP
fbem-27667	175	2	the	the	DET
fbem-27667	175	3	same	same	ADJ
fbem-27667	175	4	time	time	NOUN
fbem-27667	175	5	,	,	PUNCT
fbem-27667	175	6	study	study	NOUN
fbem-27667	175	7	supply	supply	NOUN
fbem-27667	175	8	chain	chain	NOUN
fbem-27667	175	9	finance	finance	NOUN
fbem-27667	175	10	and	and	CCONJ
fbem-27667	175	11	green	green	ADJ
fbem-27667	175	12	finance	finance	NOUN
fbem-27667	175	13	,	,	PUNCT
fbem-27667	175	14	etc	etc	X
fbem-27667	175	15	.	.	X
fbem-27667	175	16	,	,	PUNCT
fbem-27667	175	17	and	and	CCONJ
fbem-27667	175	18	explore	explore	VERB
fbem-27667	175	19	their	their	PRON
fbem-27667	175	20	potential	potential	ADJ
fbem-27667	175	21	application	application	NOUN
fbem-27667	175	22	in	in	ADP
fbem-27667	175	23	sme	sme	PROPN
fbem-27667	175	24	finance	finance	NOUN
fbem-27667	175	25	.	.	PUNCT
fbem-27667	176	1	references	reference	NOUN
fbem-27667	176	2	[	[	X
fbem-27667	176	3	1	1	NUM
fbem-27667	176	4	]	]	PUNCT
fbem-27667	176	5	chen	chen	PROPN
fbem-27667	176	6	xiuying	xiuying	PROPN
fbem-27667	176	7	.	.	PUNCT
fbem-27667	177	1	(	(	PUNCT
fbem-27667	177	2	2021	2021	NUM
fbem-27667	177	3	)	)	PUNCT
fbem-27667	177	4	.	.	PUNCT
fbem-27667	178	1	can	can	AUX
fbem-27667	178	2	the	the	DET
fbem-27667	178	3	development	development	NOUN
fbem-27667	178	4	of	of	ADP
fbem-27667	178	5	internet	internet	NOUN
fbem-27667	178	6	finance	finance	NOUN
fbem-27667	178	7	effectively	effectively	ADV
fbem-27667	178	8	alleviate	alleviate	VERB
fbem-27667	178	9	the	the	DET
fbem-27667	178	10	constraints	constraint	NOUN
fbem-27667	178	11	of	of	ADP
fbem-27667	178	12	corporate	corporate	ADJ
fbem-27667	178	13	finance	finance	NOUN
fbem-27667	178	14	?	?	PUNCT
fbem-27667	179	1	—	—	PUNCT
fbem-27667	179	2	experiential	experiential	ADJ
fbem-27667	179	3	evidence	evidence	NOUN
fbem-27667	179	4	from	from	ADP
fbem-27667	179	5	chinese	chinese	ADJ
fbem-27667	179	6	listed	list	VERB
fbem-27667	179	7	companies	company	NOUN
fbem-27667	179	8	.	.	PUNCT
fbem-27667	180	1	shenzhen	shenzhen	PROPN
fbem-27667	180	2	social	social	PROPN
fbem-27667	180	3	sciences	sciences	PROPN
fbem-27667	180	4	(	(	PUNCT
fbem-27667	180	5	06	06	NUM
fbem-27667	180	6	)	)	PUNCT
fbem-27667	180	7	,	,	PUNCT
fbem-27667	180	8	38	38	NUM
fbem-27667	180	9	-	-	SYM
fbem-27667	180	10	47	47	NUM
fbem-27667	180	11	.	.	PUNCT
fbem-27667	181	1	doi	doi	NOUN
fbem-27667	181	2	:	:	PUNCT
fbem-27667	181	3	cnki	cnki	ADJ
fbem-27667	181	4	:	:	PUNCT
fbem-27667	181	5	sun	sun	NOUN
fbem-27667	181	6	:	:	PUNCT
fbem-27667	181	7	szkx.0.2021	szkx.0.2021	PROPN
fbem-27667	181	8	-	-	PUNCT
fbem-27667	181	9	06	06	NUM
fbem-27667	181	10	-	-	PUNCT
fbem-27667	181	11	004	004	NOUN
fbem-27667	181	12	.	.	PUNCT
fbem-27667	182	1	[	[	X
fbem-27667	182	2	2	2	NUM
fbem-27667	182	3	]	]	X
fbem-27667	182	4	gao	gao	PROPN
fbem-27667	182	5	wei	wei	PROPN
fbem-27667	182	6	&	&	CCONJ
fbem-27667	182	7	wang	wang	PROPN
fbem-27667	182	8	jing	jing	PROPN
fbem-27667	182	9	.	.	PUNCT
fbem-27667	183	1	(	(	PUNCT
fbem-27667	183	2	2023).study	2023).study	NOUN
fbem-27667	183	3	on	on	ADP
fbem-27667	183	4	the	the	DET
fbem-27667	183	5	mitigation	mitigation	NOUN
fbem-27667	183	6	effect	effect	NOUN
fbem-27667	183	7	of	of	ADP
fbem-27667	183	8	digital	digital	ADJ
fbem-27667	183	9	inclusive	inclusive	ADJ
fbem-27667	183	10	finance	finance	NOUN
fbem-27667	183	11	on	on	ADP
fbem-27667	183	12	the	the	DET
fbem-27667	183	13	finance	finance	NOUN
fbem-27667	183	14	constraints	constraint	NOUN
fbem-27667	183	15	of	of	ADP
fbem-27667	183	16	small	small	ADJ
fbem-27667	183	17	and	and	CCONJ
fbem-27667	183	18	medium	medium	ADJ
fbem-27667	183	19	-	-	PUNCT
fbem-27667	183	20	sized	sized	ADJ
fbem-27667	183	21	agricultural	agricultural	ADJ
fbem-27667	183	22	enterprises	enterprise	NOUN
fbem-27667	183	23	.	.	PUNCT
fbem-27667	184	1	agricultural	agricultural	ADJ
fbem-27667	184	2	accounting	accounting	NOUN
fbem-27667	184	3	of	of	ADP
fbem-27667	184	4	china	china	PROPN
fbem-27667	184	5	(	(	PUNCT
fbem-27667	184	6	11	11	NUM
fbem-27667	184	7	)	)	PUNCT
fbem-27667	184	8	,	,	PUNCT
fbem-27667	184	9	85	85	NUM
fbem-27667	184	10	-	-	SYM
fbem-27667	184	11	88	88	NUM
fbem-27667	184	12	.	.	PUNCT
fbem-27667	185	1	doi:10	doi:10	PROPN
fbem-27667	185	2	.	.	PUNCT
fbem-27667	186	1	13575	13575	NUM
fbem-27667	186	2	/	/	SYM
fbem-27667	186	3	j.cnki.319.2023.11.033	j.cnki.319.2023.11.033	NOUN
fbem-27667	186	4	.	.	PUNCT
fbem-27667	187	1	[	[	X
fbem-27667	187	2	3	3	NUM
fbem-27667	187	3	]	]	PUNCT
fbem-27667	187	4	nie	nie	PROPN
fbem-27667	187	5	xiuhua	xiuhua	PROPN
fbem-27667	187	6	.	.	PUNCT
fbem-27667	188	1	(	(	PUNCT
fbem-27667	188	2	2020	2020	NUM
fbem-27667	188	3	)	)	PUNCT
fbem-27667	188	4	.	.	PUNCT
fbem-27667	189	1	research	research	NOUN
fbem-27667	189	2	on	on	ADP
fbem-27667	189	3	the	the	DET
fbem-27667	189	4	path	path	NOUN
fbem-27667	189	5	and	and	CCONJ
fbem-27667	189	6	heterogeneity	heterogeneity	NOUN
fbem-27667	189	7	of	of	ADP
fbem-27667	189	8	digital	digital	ADJ
fbem-27667	189	9	finance	finance	NOUN
fbem-27667	189	10	in	in	ADP
fbem-27667	189	11	promoting	promote	VERB
fbem-27667	189	12	the	the	DET
fbem-27667	189	13	technology	technology	NOUN
fbem-27667	189	14	innovation	innovation	NOUN
fbem-27667	189	15	of	of	ADP
fbem-27667	189	16	small	small	ADJ
fbem-27667	189	17	and	and	CCONJ
fbem-27667	189	18	medium	medium	ADJ
fbem-27667	189	19	-	-	PUNCT
fbem-27667	189	20	sized	sized	ADJ
fbem-27667	189	21	enterprises	enterprise	NOUN
fbem-27667	189	22	.	.	PUNCT
fbem-27667	190	1	western	western	ADJ
fbem-27667	190	2	forum	forum	PROPN
fbem-27667	190	3	(	(	PUNCT
fbem-27667	190	4	04	04	NUM
fbem-27667	190	5	)	)	PUNCT
fbem-27667	190	6	,	,	PUNCT
fbem-27667	190	7	37	37	NUM
fbem-27667	190	8	-	-	SYM
fbem-27667	190	9	49	49	NUM
fbem-27667	190	10	.	.	PUNCT
fbem-27667	191	1	[	[	X
fbem-27667	191	2	4	4	X
fbem-27667	191	3	]	]	PUNCT
fbem-27667	191	4	qi	qi	PROPN
fbem-27667	191	5	xiuhui	xiuhui	PROPN
fbem-27667	191	6	&	&	CCONJ
fbem-27667	191	7	fu	fu	PROPN
fbem-27667	191	8	lishuang	lishuang	PROPN
fbem-27667	191	9	.	.	PUNCT
fbem-27667	192	1	(	(	PUNCT
fbem-27667	192	2	2021	2021	NUM
fbem-27667	192	3	)	)	PUNCT
fbem-27667	192	4	.	.	PUNCT
fbem-27667	193	1	the	the	DET
fbem-27667	193	2	influence	influence	NOUN
fbem-27667	193	3	of	of	ADP
fbem-27667	193	4	finance	finance	NOUN
fbem-27667	193	5	constraints	constraint	NOUN
fbem-27667	193	6	on	on	ADP
fbem-27667	193	7	enterprise	enterprise	NOUN
fbem-27667	193	8	growth	growth	NOUN
fbem-27667	193	9	in	in	ADP
fbem-27667	193	10	the	the	DET
fbem-27667	193	11	background	background	NOUN
fbem-27667	193	12	of	of	ADP
fbem-27667	193	13	highquality	highquality	NOUN
fbem-27667	193	14	development	development	NOUN
fbem-27667	193	15	—	—	PUNCT
fbem-27667	193	16	based	base	VERB
fbem-27667	193	17	on	on	ADP
fbem-27667	193	18	the	the	DET
fbem-27667	193	19	regulatory	regulatory	ADJ
fbem-27667	193	20	role	role	NOUN
fbem-27667	193	21	of	of	ADP
fbem-27667	193	22	digital	digital	ADJ
fbem-27667	193	23	finance	finance	NOUN
fbem-27667	193	24	.	.	PUNCT
fbem-27667	194	1	friends	friend	NOUN
fbem-27667	194	2	of	of	ADP
fbem-27667	194	3	the	the	DET
fbem-27667	194	4	accounting	accounting	NOUN
fbem-27667	194	5	(	(	PUNCT
fbem-27667	194	6	01	01	NUM
fbem-27667	194	7	)	)	PUNCT
fbem-27667	194	8	,	,	PUNCT
fbem-27667	194	9	47	47	NUM
fbem-27667	194	10	-	-	SYM
fbem-27667	194	11	56	56	NUM
fbem-27667	194	12	.	.	PUNCT
fbem-27667	195	1	[	[	X
fbem-27667	195	2	5	5	NUM
fbem-27667	195	3	]	]	X
fbem-27667	195	4	qinchuan	qinchuan	PROPN
fbem-27667	195	5	&	&	CCONJ
fbem-27667	195	6	hong	hong	PROPN
fbem-27667	195	7	yitian	yitian	PROPN
fbem-27667	195	8	.	.	PUNCT
fbem-27667	196	1	(	(	PUNCT
fbem-27667	196	2	2022	2022	NUM
fbem-27667	196	3	)	)	PUNCT
fbem-27667	196	4	.	.	PUNCT
fbem-27667	197	1	supply	supply	NOUN
fbem-27667	197	2	chain	chain	NOUN
fbem-27667	197	3	finance	finance	NOUN
fbem-27667	197	4	alleviates	alleviate	VERB
fbem-27667	197	5	the	the	DET
fbem-27667	197	6	finance	finance	NOUN
fbem-27667	197	7	constraints	constraint	NOUN
fbem-27667	197	8	of	of	ADP
fbem-27667	197	9	small	small	ADJ
fbem-27667	197	10	and	and	CCONJ
fbem-27667	197	11	medium	medium	ADJ
fbem-27667	197	12	-	-	PUNCT
fbem-27667	197	13	sized	sized	ADJ
fbem-27667	197	14	pharmaceutical	pharmaceutical	ADJ
fbem-27667	197	15	enterprises	enterprise	NOUN
fbem-27667	197	16	—	—	PUNCT
fbem-27667	197	17	based	base	VERB
fbem-27667	197	18	on	on	ADP
fbem-27667	197	19	theregulatory	theregulatory	NOUN
fbem-27667	197	20	role	role	NOUN
fbem-27667	197	21	of	of	ADP
fbem-27667	197	22	digital	digital	ADJ
fbem-27667	197	23	inclusive	inclusive	ADJ
fbem-27667	197	24	finance	finance	NOUN
fbem-27667	197	25	.	.	PUNCT
fbem-27667	198	1	gansu	gansu	PROPN
fbem-27667	198	2	finance	finance	PROPN
fbem-27667	198	3	(	(	PUNCT
fbem-27667	198	4	11	11	NUM
fbem-27667	198	5	)	)	PUNCT
fbem-27667	198	6	,	,	PUNCT
fbem-27667	198	7	69	69	NUM
fbem-27667	198	8	-	-	SYM
fbem-27667	198	9	75	75	NUM
fbem-27667	198	10	.	.	PUNCT
fbem-27667	199	1	doi	doi	NOUN
fbem-27667	199	2	:	:	PUNCT
fbem-27667	199	3	cnki	cnki	ADJ
fbem-27667	199	4	:	:	PUNCT
fbem-27667	199	5	sun	sun	NOUN
fbem-27667	199	6	:	:	PUNCT
fbem-27667	199	7	gsjr.0.2023	gsjr.0.2023	ADJ
fbem-27667	199	8	-	-	SYM
fbem-27667	199	9	11	11	NUM
fbem-27667	199	10	-	-	PUNCT
fbem-27667	199	11	012	012	NUM
fbem-27667	199	12	.	.	PUNCT
fbem-27667	200	1	[	[	X
fbem-27667	200	2	6	6	NUM
fbem-27667	200	3	]	]	X
fbem-27667	200	4	zhang	zhang	PROPN
fbem-27667	200	5	qian	qian	PROPN
fbem-27667	200	6	.	.	PUNCT
fbem-27667	201	1	(	(	PUNCT
fbem-27667	201	2	2023	2023	NUM
fbem-27667	201	3	)	)	PUNCT
fbem-27667	201	4	.	.	PUNCT
fbem-27667	202	1	research	research	NOUN
fbem-27667	202	2	on	on	ADP
fbem-27667	202	3	digital	digital	ADJ
fbem-27667	202	4	finance	finance	NOUN
fbem-27667	202	5	,	,	PUNCT
fbem-27667	202	6	finance	finance	NOUN
fbem-27667	202	7	constraints	constraint	NOUN
fbem-27667	202	8	and	and	CCONJ
fbem-27667	202	9	sme	sme	NOUN
fbem-27667	202	10	value	value	NOUN
fbem-27667	202	11	enhancement	enhancement	NOUN
fbem-27667	202	12	.	.	PUNCT
fbem-27667	203	1	guangxi	guangxi	PROPN
fbem-27667	203	2	economy	economy	PROPN
fbem-27667	203	3	(	(	PUNCT
fbem-27667	203	4	05	05	NUM
fbem-27667	203	5	)	)	PUNCT
fbem-27667	203	6	,	,	PUNCT
fbem-27667	203	7	92	92	NUM
fbem-27667	203	8	-	-	SYM
fbem-27667	203	9	97	97	NUM
fbem-27667	203	10	.	.	PUNCT
fbem-27667	204	1	[	[	X
fbem-27667	204	2	7	7	NUM
fbem-27667	204	3	]	]	X
fbem-27667	204	4	zou	zou	PROPN
fbem-27667	204	5	zongsen	zongsen	PROPN
fbem-27667	204	6	,	,	PUNCT
fbem-27667	204	7	liu	liu	PROPN
fbem-27667	204	8	xindi	xindi	PROPN
fbem-27667	204	9	,	,	PUNCT
fbem-27667	204	10	wang	wang	PROPN
fbem-27667	204	11	meng	meng	PROPN
fbem-27667	204	12	&	&	CCONJ
fbem-27667	204	13	yang	yang	PROPN
fbem-27667	204	14	xinze	xinze	PROPN
fbem-27667	204	15	.	.	PUNCT
fbem-27667	205	1	(	(	PUNCT
fbem-27667	205	2	2023	2023	NUM
fbem-27667	205	3	)	)	PUNCT
fbem-27667	205	4	.	.	PUNCT
fbem-27667	206	1	insight	insight	NOUN
fbem-27667	206	2	into	into	ADP
fbem-27667	206	3	digital	digital	ADJ
fbem-27667	206	4	finance	finance	NOUN
fbem-27667	206	5	and	and	CCONJ
fbem-27667	206	6	fintech	fintech	NOUN
fbem-27667	206	7	:	:	PUNCT
fbem-27667	206	8	a	a	DET
fbem-27667	206	9	bibliometric	bibliometric	ADJ
fbem-27667	206	10	and	and	CCONJ
fbem-27667	206	11	content	content	ADJ
fbem-27667	206	12	analysis	analysis	NOUN
fbem-27667	206	13	.	.	PUNCT
fbem-27667	207	1	technology	technology	NOUN
fbem-27667	207	2	in	in	ADP
fbem-27667	207	3	society	society	NOUN
fbem-27667	207	4	.	.	PUNCT
fbem-27667	208	1	doi:10	doi:10	PROPN
fbem-27667	208	2	.	.	PUNCT
fbem-27667	209	1	1016	1016	NUM
fbem-27667	209	2	/	/	SYM
fbem-27667	209	3	j.techsoc.2023.102221	j.techsoc.2023.102221	NOUN
fbem-27667	209	4	.	.	PUNCT