id	sid	tid	token	lemma	pos
fbem-29333	1	1	frontiers	frontier	NOUN
fbem-29333	1	2	in	in	ADP
fbem-29333	1	3	business	business	NOUN
fbem-29333	1	4	,	,	PUNCT
fbem-29333	1	5	economics	economic	NOUN
fbem-29333	1	6	and	and	CCONJ
fbem-29333	1	7	management	management	NOUN
fbem-29333	1	8	issn	issn	PROPN
fbem-29333	1	9	:	:	PUNCT
fbem-29333	1	10	2766	2766	NUM
fbem-29333	1	11	-	-	PUNCT
fbem-29333	1	12	824x	824x	NUM
fbem-29333	1	13	|	|	ADJ
fbem-29333	1	14	vol	vol	NOUN
fbem-29333	1	15	.	.	PROPN
fbem-29333	1	16	18	18	NUM
fbem-29333	1	17	,	,	PUNCT
fbem-29333	1	18	no	no	INTJ
fbem-29333	1	19	.	.	NOUN
fbem-29333	1	20	1	1	NUM
fbem-29333	1	21	,	,	PUNCT
fbem-29333	1	22	2025	2025	NUM
fbem-29333	1	23	179	179	NUM
fbem-29333	1	24	application	application	NOUN
fbem-29333	1	25	of	of	ADP
fbem-29333	1	26	big	big	ADJ
fbem-29333	1	27	data	datum	NOUN
fbem-29333	1	28	in	in	ADP
fbem-29333	1	29	bank	bank	NOUN
fbem-29333	1	30	loan	loan	NOUN
fbem-29333	1	31	risk	risk	NOUN
fbem-29333	1	32	early	early	ADJ
fbem-29333	1	33	warning	warning	NOUN
fbem-29333	1	34	and	and	CCONJ
fbem-29333	1	35	prediction	prediction	NOUN
fbem-29333	1	36	jinqing	jinqing	PROPN
fbem-29333	1	37	li	li	PROPN
fbem-29333	1	38	department	department	PROPN
fbem-29333	1	39	of	of	ADP
fbem-29333	1	40	economics	economic	NOUN
fbem-29333	1	41	,	,	PUNCT
fbem-29333	1	42	university	university	NOUN
fbem-29333	1	43	of	of	ADP
fbem-29333	1	44	alberta	alberta	PROPN
fbem-29333	1	45	,	,	PUNCT
fbem-29333	1	46	edmonton	edmonton	PROPN
fbem-29333	1	47	,	,	PUNCT
fbem-29333	1	48	t6	t6	PROPN
fbem-29333	1	49	g	g	PROPN
fbem-29333	1	50	2r3	2r3	NUM
fbem-29333	1	51	,	,	PUNCT
fbem-29333	1	52	canada	canada	PROPN
fbem-29333	1	53	jinqing1@ualberta.ca	jinqing1@ualberta.ca	PROPN
fbem-29333	1	54	abstract	abstract	ADJ
fbem-29333	1	55	:	:	PUNCT
fbem-29333	1	56	big	big	ADJ
fbem-29333	1	57	data	datum	NOUN
fbem-29333	1	58	has	have	AUX
fbem-29333	1	59	revolutionized	revolutionize	VERB
fbem-29333	1	60	bank	bank	NOUN
fbem-29333	1	61	loan	loan	NOUN
fbem-29333	1	62	risk	risk	NOUN
fbem-29333	1	63	management	management	NOUN
fbem-29333	1	64	by	by	ADP
fbem-29333	1	65	transforming	transform	VERB
fbem-29333	1	66	how	how	SCONJ
fbem-29333	1	67	financial	financial	ADJ
fbem-29333	1	68	institutions	institution	NOUN
fbem-29333	1	69	assess	assess	VERB
fbem-29333	1	70	and	and	CCONJ
fbem-29333	1	71	mitigate	mitigate	VERB
fbem-29333	1	72	risks	risk	NOUN
fbem-29333	1	73	.	.	PUNCT
fbem-29333	2	1	the	the	DET
fbem-29333	2	2	integration	integration	NOUN
fbem-29333	2	3	of	of	ADP
fbem-29333	2	4	big	big	ADJ
fbem-29333	2	5	data	datum	NOUN
fbem-29333	2	6	analytics	analytic	NOUN
fbem-29333	2	7	enables	enable	VERB
fbem-29333	2	8	the	the	DET
fbem-29333	2	9	development	development	NOUN
fbem-29333	2	10	of	of	ADP
fbem-29333	2	11	predictive	predictive	ADJ
fbem-29333	2	12	models	model	NOUN
fbem-29333	2	13	,	,	PUNCT
fbem-29333	2	14	fraud	fraud	NOUN
fbem-29333	2	15	detection	detection	NOUN
fbem-29333	2	16	systems	system	NOUN
fbem-29333	2	17	,	,	PUNCT
fbem-29333	2	18	and	and	CCONJ
fbem-29333	2	19	comprehensive	comprehensive	ADJ
fbem-29333	2	20	risk	risk	NOUN
fbem-29333	2	21	monitoring	monitoring	NOUN
fbem-29333	2	22	tools	tool	NOUN
fbem-29333	2	23	,	,	PUNCT
fbem-29333	2	24	significantly	significantly	ADV
fbem-29333	2	25	enhancing	enhance	VERB
fbem-29333	2	26	both	both	DET
fbem-29333	2	27	efficiency	efficiency	NOUN
fbem-29333	2	28	and	and	CCONJ
fbem-29333	2	29	decision	decision	NOUN
fbem-29333	2	30	-	-	PUNCT
fbem-29333	2	31	making	making	NOUN
fbem-29333	2	32	.	.	PUNCT
fbem-29333	3	1	by	by	ADP
fbem-29333	3	2	processing	process	VERB
fbem-29333	3	3	vast	vast	ADJ
fbem-29333	3	4	volumes	volume	NOUN
fbem-29333	3	5	of	of	ADP
fbem-29333	3	6	structured	structured	ADJ
fbem-29333	3	7	and	and	CCONJ
fbem-29333	3	8	unstructured	unstructured	ADJ
fbem-29333	3	9	data	datum	NOUN
fbem-29333	3	10	in	in	ADP
fbem-29333	3	11	real	real	ADJ
fbem-29333	3	12	time	time	NOUN
fbem-29333	3	13	,	,	PUNCT
fbem-29333	3	14	banks	bank	NOUN
fbem-29333	3	15	can	can	AUX
fbem-29333	3	16	identify	identify	VERB
fbem-29333	3	17	potential	potential	ADJ
fbem-29333	3	18	risks	risk	NOUN
fbem-29333	3	19	early	early	ADV
fbem-29333	3	20	,	,	PUNCT
fbem-29333	3	21	such	such	ADJ
fbem-29333	3	22	as	as	ADP
fbem-29333	3	23	loan	loan	NOUN
fbem-29333	3	24	defaults	default	NOUN
fbem-29333	3	25	or	or	CCONJ
fbem-29333	3	26	fraudule	fraudule	VERB
fbem-29333	3	27	nt	nt	ADP
fbem-29333	3	28	applications	application	NOUN
fbem-29333	3	29	,	,	PUNCT
fbem-29333	3	30	and	and	CCONJ
fbem-29333	3	31	take	take	VERB
fbem-29333	3	32	preemptive	preemptive	ADJ
fbem-29333	3	33	actions	action	NOUN
fbem-29333	3	34	to	to	PART
fbem-29333	3	35	mitigate	mitigate	VERB
fbem-29333	3	36	them	they	PRON
fbem-29333	3	37	.	.	PUNCT
fbem-29333	4	1	additionally	additionally	ADV
fbem-29333	4	2	,	,	PUNCT
fbem-29333	4	3	big	big	ADJ
fbem-29333	4	4	data	datum	NOUN
fbem-29333	4	5	allows	allow	VERB
fbem-29333	4	6	banks	bank	NOUN
fbem-29333	4	7	to	to	PART
fbem-29333	4	8	personalize	personalize	VERB
fbem-29333	4	9	financial	financial	ADJ
fbem-29333	4	10	products	product	NOUN
fbem-29333	4	11	,	,	PUNCT
fbem-29333	4	12	tailoring	tailor	VERB
fbem-29333	4	13	them	they	PRON
fbem-29333	4	14	to	to	ADP
fbem-29333	4	15	individual	individual	ADJ
fbem-29333	4	16	customer	customer	NOUN
fbem-29333	4	17	needs	need	NOUN
fbem-29333	4	18	and	and	CCONJ
fbem-29333	4	19	behaviors	behavior	NOUN
fbem-29333	4	20	,	,	PUNCT
fbem-29333	4	21	thereby	thereby	ADV
fbem-29333	4	22	improving	improve	VERB
fbem-29333	4	23	customer	customer	NOUN
fbem-29333	4	24	satisfaction	satisfaction	NOUN
fbem-29333	4	25	and	and	CCONJ
fbem-29333	4	26	fostering	foster	VERB
fbem-29333	4	27	long	long	ADJ
fbem-29333	4	28	-term	-term	NOUN
fbem-29333	4	29	relationships	relationship	NOUN
fbem-29333	4	30	.	.	PUNCT
fbem-29333	5	1	it	it	PRON
fbem-29333	5	2	also	also	ADV
fbem-29333	5	3	streamlines	streamline	VERB
fbem-29333	5	4	operations	operation	NOUN
fbem-29333	5	5	by	by	ADP
fbem-29333	5	6	providing	provide	VERB
fbem-29333	5	7	insights	insight	NOUN
fbem-29333	5	8	that	that	PRON
fbem-29333	5	9	optimize	optimize	VERB
fbem-29333	5	10	resource	resource	NOUN
fbem-29333	5	11	allocation	allocation	NOUN
fbem-29333	5	12	and	and	CCONJ
fbem-29333	5	13	credit	credit	NOUN
fbem-29333	5	14	assessment	assessment	NOUN
fbem-29333	5	15	processes	process	NOUN
fbem-29333	5	16	.	.	PUNCT
fbem-29333	6	1	despite	despite	SCONJ
fbem-29333	6	2	its	its	PRON
fbem-29333	6	3	transformative	transformative	ADJ
fbem-29333	6	4	potential	potential	NOUN
fbem-29333	6	5	,	,	PUNCT
fbem-29333	6	6	the	the	DET
fbem-29333	6	7	application	application	NOUN
fbem-29333	6	8	of	of	ADP
fbem-29333	6	9	big	big	ADJ
fbem-29333	6	10	data	datum	NOUN
fbem-29333	6	11	in	in	ADP
fbem-29333	6	12	banking	banking	NOUN
fbem-29333	6	13	is	be	AUX
fbem-29333	6	14	not	not	PART
fbem-29333	6	15	without	without	ADP
fbem-29333	6	16	challenges	challenge	NOUN
fbem-29333	6	17	.	.	PUNCT
fbem-29333	7	1	privacy	privacy	NOUN
fbem-29333	7	2	concerns	concern	NOUN
fbem-29333	7	3	are	be	AUX
fbem-29333	7	4	a	a	DET
fbem-29333	7	5	primary	primary	ADJ
fbem-29333	7	6	issue	issue	NOUN
fbem-29333	7	7	,	,	PUNCT
fbem-29333	7	8	as	as	SCONJ
fbem-29333	7	9	financial	financial	ADJ
fbem-29333	7	10	institutions	institution	NOUN
fbem-29333	7	11	handle	handle	VERB
fbem-29333	7	12	sensitive	sensitive	ADJ
fbem-29333	7	13	customer	customer	NOUN
fbem-29333	7	14	information	information	NOUN
fbem-29333	7	15	,	,	PUNCT
fbem-29333	7	16	including	include	VERB
fbem-29333	7	17	personal	personal	ADJ
fbem-29333	7	18	identification	identification	NOUN
fbem-29333	7	19	and	and	CCONJ
fbem-29333	7	20	transaction	transaction	NOUN
fbem-29333	7	21	histories	history	NOUN
fbem-29333	7	22	.	.	PUNCT
fbem-29333	8	1	without	without	ADP
fbem-29333	8	2	stringent	stringent	ADJ
fbem-29333	8	3	governance	governance	NOUN
fbem-29333	8	4	and	and	CCONJ
fbem-29333	8	5	security	security	NOUN
fbem-29333	8	6	measures	measure	NOUN
fbem-29333	8	7	,	,	PUNCT
fbem-29333	8	8	the	the	DET
fbem-29333	8	9	risk	risk	NOUN
fbem-29333	8	10	of	of	ADP
fbem-29333	8	11	data	datum	NOUN
fbem-29333	8	12	breaches	breach	NOUN
fbem-29333	8	13	or	or	CCONJ
fbem-29333	8	14	misuse	misuse	NOUN
fbem-29333	8	15	can	can	AUX
fbem-29333	8	16	compromise	compromise	VERB
fbem-29333	8	17	customer	customer	NOUN
fbem-29333	8	18	trust	trust	NOUN
fbem-29333	8	19	and	and	CCONJ
fbem-29333	8	20	expose	expose	VERB
fbem-29333	8	21	banks	bank	NOUN
fbem-29333	8	22	to	to	ADP
fbem-29333	8	23	legal	legal	ADJ
fbem-29333	8	24	and	and	CCONJ
fbem-29333	8	25	reputational	reputational	ADJ
fbem-29333	8	26	risks	risk	NOUN
fbem-29333	8	27	.	.	PUNCT
fbem-29333	9	1	furthermore	furthermore	ADV
fbem-29333	9	2	,	,	PUNCT
fbem-29333	9	3	the	the	DET
fbem-29333	9	4	sheer	sheer	ADJ
fbem-29333	9	5	volume	volume	NOUN
fbem-29333	9	6	,	,	PUNCT
fbem-29333	9	7	velocity	velocity	NOUN
fbem-29333	9	8	,	,	PUNCT
fbem-29333	9	9	and	and	CCONJ
fbem-29333	9	10	variety	variety	NOUN
fbem-29333	9	11	of	of	ADP
fbem-29333	9	12	data	datum	NOUN
fbem-29333	9	13	generated	generate	VERB
fbem-29333	9	14	often	often	ADV
fbem-29333	9	15	exceed	exceed	VERB
fbem-29333	9	16	the	the	DET
fbem-29333	9	17	capabilities	capability	NOUN
fbem-29333	9	18	of	of	ADP
fbem-29333	9	19	traditional	traditional	ADJ
fbem-29333	9	20	it	it	PRON
fbem-29333	9	21	systems	system	NOUN
fbem-29333	9	22	,	,	PUNCT
fbem-29333	9	23	creating	create	VERB
fbem-29333	9	24	technical	technical	ADJ
fbem-29333	9	25	scalability	scalability	NOUN
fbem-29333	9	26	challenges	challenge	NOUN
fbem-29333	9	27	that	that	PRON
fbem-29333	9	28	necessitate	necessitate	ADJ
fbem-29333	9	29	significant	significant	ADJ
fbem-29333	9	30	investments	investment	NOUN
fbem-29333	9	31	in	in	ADP
fbem-29333	9	32	modern	modern	ADJ
fbem-29333	9	33	infrastructure	infrastructure	NOUN
fbem-29333	9	34	like	like	ADP
fbem-29333	9	35	cloud	cloud	NOUN
fbem-29333	9	36	computing	computing	NOUN
fbem-29333	9	37	and	and	CCONJ
fbem-29333	9	38	distributed	distribute	VERB
fbem-29333	9	39	storage	storage	NOUN
fbem-29333	9	40	systems	system	NOUN
fbem-29333	9	41	.	.	PUNCT
fbem-29333	10	1	keywords	keyword	NOUN
fbem-29333	10	2	:	:	PUNCT
fbem-29333	10	3	big	big	ADJ
fbem-29333	10	4	data	data	PROPN
fbem-29333	10	5	,	,	PUNCT
fbem-29333	10	6	bank	bank	NOUN
fbem-29333	10	7	loan	loan	NOUN
fbem-29333	10	8	risk	risk	NOUN
fbem-29333	10	9	,	,	PUNCT
fbem-29333	10	10	application	application	NOUN
fbem-29333	10	11	and	and	CCONJ
fbem-29333	10	12	analysis	analysis	NOUN
fbem-29333	10	13	of	of	ADP
fbem-29333	10	14	big	big	ADJ
fbem-29333	10	15	data	datum	NOUN
fbem-29333	10	16	in	in	ADP
fbem-29333	10	17	bank	bank	NOUN
fbem-29333	10	18	loan	loan	NOUN
fbem-29333	10	19	.	.	PUNCT
fbem-29333	11	1	1	1	X
fbem-29333	11	2	.	.	X
fbem-29333	11	3	introduction	introduction	NOUN
fbem-29333	11	4	in	in	ADP
fbem-29333	11	5	real	real	ADJ
fbem-29333	11	6	life	life	NOUN
fbem-29333	11	7	,	,	PUNCT
fbem-29333	11	8	big	big	ADJ
fbem-29333	11	9	data	datum	NOUN
fbem-29333	11	10	has	have	AUX
fbem-29333	11	11	infiltrated	infiltrate	VERB
fbem-29333	11	12	people	people	NOUN
fbem-29333	11	13	's	's	PART
fbem-29333	11	14	production	production	NOUN
fbem-29333	11	15	and	and	CCONJ
fbem-29333	11	16	life	life	NOUN
fbem-29333	11	17	,	,	PUNCT
fbem-29333	11	18	but	but	CCONJ
fbem-29333	11	19	sometimes	sometimes	ADV
fbem-29333	11	20	people	people	NOUN
fbem-29333	11	21	do	do	AUX
fbem-29333	11	22	n't	not	PART
fbem-29333	11	23	realize	realize	VERB
fbem-29333	11	24	that	that	SCONJ
fbem-29333	11	25	everything	everything	PRON
fbem-29333	11	26	is	be	AUX
fbem-29333	11	27	a	a	DET
fbem-29333	11	28	double	double	ADJ
fbem-29333	11	29	-	-	PUNCT
fbem-29333	11	30	edged	edge	VERB
fbem-29333	11	31	sword	sword	NOUN
fbem-29333	11	32	.	.	PUNCT
fbem-29333	12	1	there	there	PRON
fbem-29333	12	2	must	must	AUX
fbem-29333	12	3	be	be	AUX
fbem-29333	12	4	a	a	DET
fbem-29333	12	5	good	good	ADJ
fbem-29333	12	6	side	side	NOUN
fbem-29333	12	7	and	and	CCONJ
fbem-29333	12	8	a	a	DET
fbem-29333	12	9	bad	bad	ADJ
fbem-29333	12	10	side	side	NOUN
fbem-29333	12	11	.	.	PUNCT
fbem-29333	13	1	the	the	DET
fbem-29333	13	2	management	management	NOUN
fbem-29333	13	3	and	and	CCONJ
fbem-29333	13	4	supervision	supervision	NOUN
fbem-29333	13	5	of	of	ADP
fbem-29333	13	6	big	big	ADJ
fbem-29333	13	7	data	datum	NOUN
fbem-29333	13	8	are	be	AUX
fbem-29333	13	9	not	not	PART
fbem-29333	13	10	so	so	ADV
fbem-29333	13	11	perfect	perfect	ADJ
fbem-29333	13	12	.	.	PUNCT
fbem-29333	14	1	for	for	ADP
fbem-29333	14	2	example	example	NOUN
fbem-29333	14	3	,	,	PUNCT
fbem-29333	14	4	if	if	SCONJ
fbem-29333	14	5	the	the	DET
fbem-29333	14	6	president	president	NOUN
fbem-29333	14	7	of	of	ADP
fbem-29333	14	8	a	a	DET
fbem-29333	14	9	bank	bank	NOUN
fbem-29333	14	10	(	(	PUNCT
fbem-29333	14	11	the	the	DET
fbem-29333	14	12	background	background	NOUN
fbem-29333	14	13	is	be	AUX
fbem-29333	14	14	completely	completely	ADV
fbem-29333	14	15	clean	clean	ADJ
fbem-29333	14	16	)	)	PUNCT
fbem-29333	14	17	but	but	CCONJ
fbem-29333	14	18	because	because	SCONJ
fbem-29333	14	19	of	of	ADP
fbem-29333	14	20	personal	personal	ADJ
fbem-29333	14	21	selfishness	selfishness	NOUN
fbem-29333	14	22	and	and	CCONJ
fbem-29333	14	23	to	to	PART
fbem-29333	14	24	seek	seek	VERB
fbem-29333	14	25	illegal	illegal	ADJ
fbem-29333	14	26	benefits	benefit	NOUN
fbem-29333	14	27	for	for	ADP
fbem-29333	14	28	others	other	NOUN
fbem-29333	14	29	(	(	PUNCT
fbem-29333	14	30	if	if	SCONJ
fbem-29333	14	31	one	one	NUM
fbem-29333	14	32	person	person	NOUN
fbem-29333	14	33	wants	want	VERB
fbem-29333	14	34	another	another	DET
fbem-29333	14	35	person	person	NOUN
fbem-29333	14	36	's	's	PART
fbem-29333	14	37	personal	personal	ADJ
fbem-29333	14	38	information	information	NOUN
fbem-29333	14	39	;	;	PUNCT
fbem-29333	14	40	it	it	PRON
fbem-29333	14	41	just	just	ADV
fbem-29333	14	42	so	so	ADV
fbem-29333	14	43	happened	happen	VERB
fbem-29333	14	44	that	that	SCONJ
fbem-29333	14	45	this	this	DET
fbem-29333	14	46	person	person	NOUN
fbem-29333	14	47	applied	apply	VERB
fbem-29333	14	48	for	for	ADP
fbem-29333	14	49	a	a	DET
fbem-29333	14	50	loan	loan	NOUN
fbem-29333	14	51	;	;	PUNCT
fbem-29333	14	52	then	then	ADV
fbem-29333	14	53	the	the	DET
fbem-29333	14	54	bank	bank	NOUN
fbem-29333	14	55	's	's	PART
fbem-29333	14	56	internal	internal	ADJ
fbem-29333	14	57	network	network	NOUN
fbem-29333	14	58	can	can	AUX
fbem-29333	14	59	easily	easily	ADV
fbem-29333	14	60	find	find	VERB
fbem-29333	14	61	the	the	DET
fbem-29333	14	62	person	person	NOUN
fbem-29333	14	63	's	's	PART
fbem-29333	14	64	home	home	NOUN
fbem-29333	14	65	address	address	NOUN
fbem-29333	14	66	;	;	PUNCT
fbem-29333	14	67	i	i	PROPN
fbem-29333	14	68	d	d	PROPN
fbem-29333	14	69	card	card	NOUN
fbem-29333	14	70	information	information	NOUN
fbem-29333	14	71	,	,	PUNCT
fbem-29333	14	72	etc	etc	X
fbem-29333	14	73	.	.	X
fbem-29333	14	74	)	)	PUNCT
fbem-29333	15	1	but	but	CCONJ
fbem-29333	15	2	generally	generally	ADV
fbem-29333	15	3	speaking	speak	VERB
fbem-29333	15	4	,	,	PUNCT
fbem-29333	15	5	the	the	DET
fbem-29333	15	6	internal	internal	ADJ
fbem-29333	15	7	network	network	NOUN
fbem-29333	15	8	of	of	ADP
fbem-29333	15	9	the	the	DET
fbem-29333	15	10	bank	bank	NOUN
fbem-29333	15	11	is	be	AUX
fbem-29333	15	12	inaccessible	inaccessible	ADJ
fbem-29333	15	13	to	to	ADP
fbem-29333	15	14	ordinary	ordinary	ADJ
fbem-29333	15	15	people	people	NOUN
fbem-29333	15	16	.	.	PUNCT
fbem-29333	16	1	it	it	PRON
fbem-29333	16	2	would	would	AUX
fbem-29333	16	3	be	be	AUX
fbem-29333	16	4	a	a	DET
fbem-29333	16	5	devastating	devastating	ADJ
fbem-29333	16	6	blow	blow	NOUN
fbem-29333	16	7	to	to	PART
fbem-29333	16	8	get	get	VERB
fbem-29333	16	9	this	this	DET
fbem-29333	16	10	information	information	NOUN
fbem-29333	16	11	out	out	ADP
fbem-29333	16	12	.	.	PUNCT
fbem-29333	17	1	this	this	DET
fbem-29333	17	2	article	article	NOUN
fbem-29333	17	3	will	will	AUX
fbem-29333	17	4	analyze	analyze	VERB
fbem-29333	17	5	the	the	DET
fbem-29333	17	6	advantages	advantage	NOUN
fbem-29333	17	7	and	and	CCONJ
fbem-29333	17	8	disadvantages	disadvantage	NOUN
fbem-29333	17	9	of	of	ADP
fbem-29333	17	10	applying	apply	VERB
fbem-29333	17	11	big	big	ADJ
fbem-29333	17	12	data	datum	NOUN
fbem-29333	17	13	in	in	ADP
fbem-29333	17	14	bank	bank	NOUN
fbem-29333	17	15	loan	loan	NOUN
fbem-29333	17	16	risk	risk	NOUN
fbem-29333	17	17	in	in	ADP
fbem-29333	17	18	different	different	ADJ
fbem-29333	17	19	ways	way	NOUN
fbem-29333	17	20	.	.	PUNCT
fbem-29333	18	1	2	2	X
fbem-29333	18	2	.	.	X
fbem-29333	18	3	discuss	discuss	VERB
fbem-29333	18	4	big	big	ADJ
fbem-29333	18	5	data	datum	NOUN
fbem-29333	18	6	as	as	SCONJ
fbem-29333	18	7	mentioned	mention	VERB
fbem-29333	18	8	above	above	ADV
fbem-29333	18	9	,	,	PUNCT
fbem-29333	18	10	big	big	ADJ
fbem-29333	18	11	data	datum	NOUN
fbem-29333	18	12	has	have	AUX
fbem-29333	18	13	influenced	influence	VERB
fbem-29333	18	14	people	people	NOUN
fbem-29333	18	15	everywhere	everywhere	ADV
fbem-29333	18	16	and	and	CCONJ
fbem-29333	18	17	for	for	ADP
fbem-29333	18	18	some	some	DET
fbem-29333	18	19	people	people	NOUN
fbem-29333	18	20	they	they	PRON
fbem-29333	18	21	did	do	AUX
fbem-29333	18	22	not	not	PART
fbem-29333	18	23	realize	realize	VERB
fbem-29333	18	24	how	how	SCONJ
fbem-29333	18	25	people	people	NOUN
fbem-29333	18	26	use	use	VERB
fbem-29333	18	27	big	big	ADJ
fbem-29333	18	28	data	datum	NOUN
fbem-29333	18	29	often	often	ADV
fbem-29333	18	30	.	.	PUNCT
fbem-29333	19	1	for	for	ADP
fbem-29333	19	2	example	example	NOUN
fbem-29333	19	3	,	,	PUNCT
fbem-29333	19	4	in	in	ADP
fbem-29333	19	5	2012	2012	NUM
fbem-29333	19	6	,	,	PUNCT
fbem-29333	19	7	the	the	DET
fbem-29333	19	8	human	human	ADJ
fbem-29333	19	9	face	face	NOUN
fbem-29333	19	10	of	of	ADP
fbem-29333	19	11	big	big	ADJ
fbem-29333	19	12	data	datum	NOUN
fbem-29333	19	13	accomplished	accomplish	VERB
fbem-29333	19	14	as	as	ADP
fbem-29333	19	15	a	a	DET
fbem-29333	19	16	global	global	ADJ
fbem-29333	19	17	project	project	NOUN
fbem-29333	19	18	,	,	PUNCT
fbem-29333	19	19	which	which	PRON
fbem-29333	19	20	is	be	AUX
fbem-29333	19	21	centering	center	VERB
fbem-29333	19	22	in	in	ADP
fbem-29333	19	23	real	real	ADJ
fbem-29333	19	24	time	time	NOUN
fbem-29333	19	25	collect	collect	NOUN
fbem-29333	19	26	,	,	PUNCT
fbem-29333	19	27	visualize	visualize	VERB
fbem-29333	19	28	and	and	CCONJ
fbem-29333	19	29	analyze	analyze	VERB
fbem-29333	19	30	large	large	ADJ
fbem-29333	19	31	amounts	amount	NOUN
fbem-29333	19	32	of	of	ADP
fbem-29333	19	33	data	datum	NOUN
fbem-29333	19	34	.	.	PUNCT
fbem-29333	20	1	according	accord	VERB
fbem-29333	20	2	to	to	ADP
fbem-29333	20	3	this	this	DET
fbem-29333	20	4	media	medium	NOUN
fbem-29333	20	5	project	project	NOUN
fbem-29333	20	6	many	many	ADJ
fbem-29333	20	7	statistics	statistic	NOUN
fbem-29333	20	8	are	be	AUX
fbem-29333	20	9	derived	derive	VERB
fbem-29333	20	10	.	.	PUNCT
fbem-29333	21	1	facebook	facebook	PROPN
fbem-29333	21	2	has	have	VERB
fbem-29333	21	3	955	955	NUM
fbem-29333	21	4	million	million	NUM
fbem-29333	21	5	monthly	monthly	ADJ
fbem-29333	21	6	active	active	ADJ
fbem-29333	21	7	accounts	account	NOUN
fbem-29333	21	8	using	use	VERB
fbem-29333	21	9	70	70	NUM
fbem-29333	21	10	languages	language	NOUN
fbem-29333	21	11	,	,	PUNCT
fbem-29333	21	12	140	140	NUM
fbem-29333	21	13	billion	billion	NUM
fbem-29333	21	14	photos	photo	NOUN
fbem-29333	21	15	ploaded	ploade	VERB
fbem-29333	21	16	,	,	PUNCT
fbem-29333	21	17	125	125	NUM
fbem-29333	21	18	billion	billion	NUM
fbem-29333	21	19	friend	friend	NOUN
fbem-29333	21	20	connections	connection	NOUN
fbem-29333	21	21	,	,	PUNCT
fbem-29333	21	22	every	every	DET
fbem-29333	21	23	day	day	NOUN
fbem-29333	21	24	30	30	NUM
fbem-29333	21	25	billion	billion	NUM
fbem-29333	21	26	pieces	piece	NOUN
fbem-29333	21	27	of	of	ADP
fbem-29333	21	28	content	content	NOUN
fbem-29333	21	29	and	and	CCONJ
fbem-29333	21	30	2.7	2.7	NUM
fbem-29333	21	31	billion	billion	NUM
fbem-29333	21	32	likes	like	NOUN
fbem-29333	21	33	and	and	CCONJ
fbem-29333	21	34	comments	comment	NOUN
fbem-29333	21	35	have	have	AUX
fbem-29333	21	36	been	be	AUX
fbem-29333	21	37	posted	post	VERB
fbem-29333	21	38	.	.	PUNCT
fbem-29333	22	1	every	every	DET
fbem-29333	22	2	minute	minute	NOUN
fbem-29333	22	3	,	,	PUNCT
fbem-29333	22	4	48	48	NUM
fbem-29333	22	5	hours	hour	NOUN
fbem-29333	22	6	of	of	ADP
fbem-29333	22	7	video	video	NOUN
fbem-29333	22	8	are	be	AUX
fbem-29333	22	9	uploaded	upload	VERB
fbem-29333	22	10	and	and	CCONJ
fbem-29333	22	11	every	every	DET
fbem-29333	22	12	day	day	NOUN
fbem-29333	22	13	,	,	PUNCT
fbem-29333	22	14	4	4	NUM
fbem-29333	22	15	billion	billion	NUM
fbem-29333	22	16	views	view	NOUN
fbem-29333	22	17	performed	perform	VERB
fbem-29333	22	18	on	on	ADP
fbem-29333	22	19	youtube	youtube	NOUN
fbem-29333	22	20	.	.	PUNCT
fbem-29333	23	1	google	google	PROPN
fbem-29333	23	2	support	support	VERB
fbem-29333	23	3	many	many	ADJ
fbem-29333	23	4	services	service	NOUN
fbem-29333	23	5	as	as	SCONJ
fbem-29333	23	6	both	both	PRON
fbem-29333	23	7	monitorizes	monitorize	VERB
fbem-29333	23	8	7.2	7.2	NUM
fbem-29333	23	9	billion	billion	NUM
fbem-29333	23	10	pages	page	NOUN
fbem-29333	23	11	per	per	ADP
fbem-29333	23	12	day	day	NOUN
fbem-29333	23	13	and	and	CCONJ
fbem-29333	23	14	processes	process	VERB
fbem-29333	23	15	20	20	NUM
fbem-29333	23	16	petabytes	petabyte	NOUN
fbem-29333	23	17	(	(	PUNCT
fbem-29333	23	18	1015	1015	NUM
fbem-29333	23	19	bytes	byte	NOUN
fbem-29333	23	20	)	)	PUNCT
fbem-29333	23	21	of	of	ADP
fbem-29333	23	22	data	datum	NOUN
fbem-29333	23	23	daily	daily	ADV
fbem-29333	23	24	also	also	ADV
fbem-29333	23	25	translates	translate	VERB
fbem-29333	23	26	into	into	ADP
fbem-29333	23	27	66	66	NUM
fbem-29333	23	28	languages	language	NOUN
fbem-29333	23	29	.	.	PUNCT
fbem-29333	24	1	1	1	NUM
fbem-29333	24	2	billion	billion	NUM
fbem-29333	24	3	tweets	tweet	NOUN
fbem-29333	24	4	every	every	DET
fbem-29333	24	5	72	72	NUM
fbem-29333	24	6	hours	hour	NOUN
fbem-29333	24	7	from	from	ADP
fbem-29333	24	8	more	more	ADJ
fbem-29333	24	9	than	than	ADP
fbem-29333	24	10	140	140	NUM
fbem-29333	24	11	million	million	NUM
fbem-29333	24	12	active	active	ADJ
fbem-29333	24	13	users	user	NOUN
fbem-29333	24	14	on	on	ADP
fbem-29333	24	15	twitter	twitter	NOUN
fbem-29333	24	16	.	.	PUNCT
fbem-29333	25	1	571	571	NUM
fbem-29333	25	2	new	new	ADJ
fbem-29333	25	3	websites	website	NOUN
fbem-29333	25	4	are	be	AUX
fbem-29333	25	5	created	create	VERB
fbem-29333	25	6	every	every	DET
fbem-29333	25	7	minute	minute	NOUN
fbem-29333	25	8	of	of	ADP
fbem-29333	25	9	the	the	DET
fbem-29333	25	10	day	day	NOUN
fbem-29333	25	11	.	.	PUNCT
fbem-29333	26	1	within	within	ADP
fbem-29333	26	2	the	the	DET
fbem-29333	26	3	next	next	ADJ
fbem-29333	26	4	decade	decade	NOUN
fbem-29333	26	5	,	,	PUNCT
fbem-29333	26	6	number	number	NOUN
fbem-29333	26	7	of	of	ADP
fbem-29333	26	8	information	information	NOUN
fbem-29333	26	9	will	will	AUX
fbem-29333	26	10	increase	increase	VERB
fbem-29333	26	11	by	by	ADP
fbem-29333	26	12	50	50	NUM
fbem-29333	26	13	times	time	NOUN
fbem-29333	26	14	however	however	ADV
fbem-29333	26	15	number	number	NOUN
fbem-29333	26	16	of	of	ADP
fbem-29333	26	17	information	information	NOUN
fbem-29333	26	18	technology	technology	NOUN
fbem-29333	26	19	specialists	specialist	NOUN
fbem-29333	26	20	who	who	PRON
fbem-29333	26	21	keep	keep	VERB
fbem-29333	26	22	up	up	ADP
fbem-29333	26	23	with	with	ADP
fbem-29333	26	24	all	all	DET
fbem-29333	26	25	that	that	DET
fbem-29333	26	26	data	datum	NOUN
fbem-29333	26	27	will	will	AUX
fbem-29333	26	28	increase	increase	VERB
fbem-29333	26	29	by	by	ADP
fbem-29333	26	30	1.5	1.5	NUM
fbem-29333	26	31	times	time	NOUN
fbem-29333	26	32	.	.	PUNCT
fbem-29333	27	1	in	in	ADP
fbem-29333	27	2	this	this	DET
fbem-29333	27	3	article	article	NOUN
fbem-29333	27	4	it	it	PRON
fbem-29333	27	5	will	will	AUX
fbem-29333	27	6	analyst	analyst	VERB
fbem-29333	27	7	the	the	DET
fbem-29333	27	8	big	big	ADJ
fbem-29333	27	9	data	datum	NOUN
fbem-29333	27	10	in	in	ADP
fbem-29333	27	11	four	four	NUM
fbem-29333	27	12	vslarge	vslarge	NOUN
fbem-29333	27	13	;	;	PUNCT
fbem-29333	27	14	velocity	velocity	NOUN
fbem-29333	27	15	variety	variety	NOUN
fbem-29333	27	16	and	and	CCONJ
fbem-29333	27	17	veracity	veracity	NOUN
fbem-29333	27	18	.	.	PUNCT
fbem-29333	28	1	[	[	X
fbem-29333	28	2	1	1	NUM
fbem-29333	28	3	,	,	PUNCT
fbem-29333	28	4	2	2	NUM
fbem-29333	28	5	]	]	PUNCT
fbem-29333	28	6	as	as	SCONJ
fbem-29333	28	7	shown	show	VERB
fbem-29333	28	8	in	in	ADP
fbem-29333	28	9	figure	figure	NOUN
fbem-29333	28	10	1	1	NUM
fbem-29333	28	11	,	,	PUNCT
fbem-29333	28	12	it	it	PRON
fbem-29333	28	13	demonstrates	demonstrate	VERB
fbem-29333	28	14	the	the	DET
fbem-29333	28	15	"	"	PUNCT
fbem-29333	28	16	3vs	3vs	ADJ
fbem-29333	28	17	"	"	PUNCT
fbem-29333	28	18	of	of	ADP
fbem-29333	28	19	big	big	ADJ
fbem-29333	28	20	data	datum	NOUN
fbem-29333	28	21	:	:	PUNCT
fbem-29333	28	22	variety	variety	NOUN
fbem-29333	28	23	,	,	PUNCT
fbem-29333	28	24	velocity	velocity	NOUN
fbem-29333	28	25	,	,	PUNCT
fbem-29333	28	26	and	and	CCONJ
fbem-29333	28	27	volume	volume	NOUN
fbem-29333	28	28	.	.	PUNCT
fbem-29333	29	1	the	the	DET
fbem-29333	29	2	following	follow	VERB
fbem-29333	29	3	paragraph	paragraph	NOUN
fbem-29333	29	4	will	will	AUX
fbem-29333	29	5	further	far	ADV
fbem-29333	29	6	elaborate	elaborate	VERB
fbem-29333	29	7	on	on	ADP
fbem-29333	29	8	the	the	DET
fbem-29333	29	9	five	five	NUM
fbem-29333	29	10	key	key	ADJ
fbem-29333	29	11	features	feature	NOUN
fbem-29333	29	12	of	of	ADP
fbem-29333	29	13	big	big	ADJ
fbem-29333	29	14	data	datum	NOUN
fbem-29333	29	15	.	.	PUNCT
fbem-29333	30	1	figure	figure	NOUN
fbem-29333	30	2	1	1	NUM
fbem-29333	30	3	.	.	PUNCT
fbem-29333	31	1	the	the	DET
fbem-29333	31	2	3v	3v	NUM
fbem-29333	31	3	framework	framework	NOUN
fbem-29333	31	4	of	of	ADP
fbem-29333	31	5	big	big	ADJ
fbem-29333	31	6	data	datum	NOUN
fbem-29333	31	7	2.1	2.1	NUM
fbem-29333	31	8	.	.	PUNCT
fbem-29333	32	1	large	large	ADJ
fbem-29333	32	2	amount	amount	NOUN
fbem-29333	32	3	the	the	DET
fbem-29333	32	4	volume	volume	NOUN
fbem-29333	32	5	and	and	CCONJ
fbem-29333	32	6	size	size	NOUN
fbem-29333	32	7	of	of	ADP
fbem-29333	32	8	data	datum	NOUN
fbem-29333	32	9	being	be	AUX
fbem-29333	32	10	generated	generate	VERB
fbem-29333	32	11	in	in	ADP
fbem-29333	32	12	the	the	DET
fbem-29333	32	13	modern	modern	ADJ
fbem-29333	32	14	era	era	NOUN
fbem-29333	32	15	have	have	AUX
fbem-29333	32	16	now	now	ADV
fbem-29333	32	17	grown	grow	VERB
fbem-29333	32	18	exponentially	exponentially	ADV
fbem-29333	32	19	,	,	PUNCT
fbem-29333	32	20	surpassing	surpass	VERB
fbem-29333	32	21	the	the	DET
fbem-29333	32	22	scales	scale	NOUN
fbem-29333	32	23	of	of	ADP
fbem-29333	32	24	terabytes	terabyte	NOUN
fbem-29333	32	25	and	and	CCONJ
fbem-29333	32	26	even	even	ADV
fbem-29333	32	27	petabytes	petabyte	NOUN
fbem-29333	32	28	.	.	PUNCT
fbem-29333	33	1	this	this	DET
fbem-29333	33	2	explosive	explosive	ADJ
fbem-29333	33	3	growth	growth	NOUN
fbem-29333	33	4	in	in	ADP
fbem-29333	33	5	data	datum	NOUN
fbem-29333	33	6	creation	creation	NOUN
fbem-29333	33	7	,	,	PUNCT
fbem-29333	33	8	fueled	fuel	VERB
fbem-29333	33	9	by	by	ADP
fbem-29333	33	10	advancements	advancement	NOUN
fbem-29333	33	11	in	in	ADP
fbem-29333	33	12	technology	technology	NOUN
fbem-29333	33	13	,	,	PUNCT
fbem-29333	33	14	the	the	DET
fbem-29333	33	15	internet	internet	NOUN
fbem-29333	33	16	of	of	ADP
fbem-29333	33	17	things	thing	NOUN
fbem-29333	33	18	(	(	PUNCT
fbem-29333	33	19	iot	iot	NOUN
fbem-29333	33	20	)	)	PUNCT
fbem-29333	33	21	,	,	PUNCT
fbem-29333	33	22	social	social	ADJ
fbem-29333	33	23	media	medium	NOUN
fbem-29333	33	24	,	,	PUNCT
fbem-29333	33	25	and	and	CCONJ
fbem-29333	33	26	other	other	ADJ
fbem-29333	33	27	digital	digital	ADJ
fbem-29333	33	28	platforms	platform	NOUN
fbem-29333	33	29	,	,	PUNCT
fbem-29333	33	30	represents	represent	VERB
fbem-29333	33	31	a	a	DET
fbem-29333	33	32	grand	grand	ADJ
fbem-29333	33	33	scale	scale	NOUN
fbem-29333	33	34	of	of	ADP
fbem-29333	33	35	information	information	NOUN
fbem-29333	33	36	that	that	PRON
fbem-29333	33	37	continues	continue	VERB
fbem-29333	33	38	to	to	PART
fbem-29333	33	39	expand	expand	VERB
fbem-29333	33	40	at	at	ADP
fbem-29333	33	41	an	an	DET
fbem-29333	33	42	unprecedented	unprecedented	ADJ
fbem-29333	33	43	rate	rate	NOUN
fbem-29333	33	44	.	.	PUNCT
fbem-29333	34	1	such	such	ADJ
fbem-29333	34	2	vast	vast	ADJ
fbem-29333	34	3	quantities	quantity	NOUN
fbem-29333	34	4	of	of	ADP
fbem-29333	34	5	data	datum	NOUN
fbem-29333	34	6	far	far	ADV
fbem-29333	34	7	exceed	exceed	VERB
fbem-29333	34	8	the	the	DET
fbem-29333	34	9	capacity	capacity	NOUN
fbem-29333	34	10	of	of	ADP
fbem-29333	34	11	traditional	traditional	ADJ
fbem-29333	34	12	storage	storage	NOUN
fbem-29333	34	13	methods	method	NOUN
fbem-29333	34	14	and	and	CCONJ
fbem-29333	34	15	analysis	analysis	NOUN
fbem-29333	34	16	techniques	technique	NOUN
fbem-29333	34	17	,	,	PUNCT
fbem-29333	34	18	rendering	render	VERB
fbem-29333	34	19	them	they	PRON
fbem-29333	34	20	increasingly	increasingly	ADV
fbem-29333	34	21	inadequate	inadequate	ADJ
fbem-29333	34	22	.	.	PUNCT
fbem-29333	35	1	as	as	ADP
fbem-29333	35	2	a	a	DET
fbem-29333	35	3	result	result	NOUN
fbem-29333	35	4	,	,	PUNCT
fbem-29333	35	5	innovative	innovative	ADJ
fbem-29333	35	6	approaches	approach	NOUN
fbem-29333	35	7	,	,	PUNCT
fbem-29333	35	8	such	such	ADJ
fbem-29333	35	9	as	as	ADP
fbem-29333	35	10	cloud	cloud	NOUN
fbem-29333	35	11	computing	computing	NOUN
fbem-29333	35	12	,	,	PUNCT
fbem-29333	35	13	180	180	NUM
fbem-29333	35	14	distributed	distribute	VERB
fbem-29333	35	15	storage	storage	NOUN
fbem-29333	35	16	systems	system	NOUN
fbem-29333	35	17	,	,	PUNCT
fbem-29333	35	18	and	and	CCONJ
fbem-29333	35	19	advanced	advanced	ADJ
fbem-29333	35	20	analytics	analytic	NOUN
fbem-29333	35	21	like	like	ADP
fbem-29333	35	22	big	big	ADJ
fbem-29333	35	23	data	datum	NOUN
fbem-29333	35	24	technologies	technology	NOUN
fbem-29333	35	25	,	,	PUNCT
fbem-29333	35	26	are	be	AUX
fbem-29333	35	27	now	now	ADV
fbem-29333	35	28	essential	essential	ADJ
fbem-29333	35	29	to	to	PART
fbem-29333	35	30	manage	manage	VERB
fbem-29333	35	31	,	,	PUNCT
fbem-29333	35	32	process	process	NOUN
fbem-29333	35	33	,	,	PUNCT
fbem-29333	35	34	and	and	CCONJ
fbem-29333	35	35	derive	derive	VERB
fbem-29333	35	36	meaningful	meaningful	ADJ
fbem-29333	35	37	insights	insight	NOUN
fbem-29333	35	38	from	from	ADP
fbem-29333	35	39	this	this	DET
fbem-29333	35	40	deluge	deluge	NOUN
fbem-29333	35	41	of	of	ADP
fbem-29333	35	42	information	information	NOUN
fbem-29333	35	43	.	.	PUNCT
fbem-29333	36	1	the	the	DET
fbem-29333	36	2	rise	rise	NOUN
fbem-29333	36	3	of	of	ADP
fbem-29333	36	4	this	this	DET
fbem-29333	36	5	data	data	NOUN
fbem-29333	36	6	-	-	PUNCT
fbem-29333	36	7	driven	drive	VERB
fbem-29333	36	8	world	world	NOUN
fbem-29333	36	9	presents	present	VERB
fbem-29333	36	10	both	both	DET
fbem-29333	36	11	immense	immense	ADJ
fbem-29333	36	12	opportunities	opportunity	NOUN
fbem-29333	36	13	for	for	ADP
fbem-29333	36	14	innovation	innovation	NOUN
fbem-29333	36	15	and	and	CCONJ
fbem-29333	36	16	significant	significant	ADJ
fbem-29333	36	17	challenges	challenge	NOUN
fbem-29333	36	18	for	for	ADP
fbem-29333	36	19	scalability	scalability	NOUN
fbem-29333	36	20	,	,	PUNCT
fbem-29333	36	21	security	security	NOUN
fbem-29333	36	22	,	,	PUNCT
fbem-29333	36	23	and	and	CCONJ
fbem-29333	36	24	effective	effective	ADJ
fbem-29333	36	25	utilization	utilization	NOUN
fbem-29333	36	26	[	[	X
fbem-29333	36	27	1	1	NUM
fbem-29333	36	28	,	,	PUNCT
fbem-29333	36	29	2	2	NUM
fbem-29333	36	30	]	]	PUNCT
fbem-29333	36	31	.	.	PUNCT
fbem-29333	37	1	2.2	2.2	NUM
fbem-29333	37	2	.	.	PUNCT
fbem-29333	37	3	high	high	ADJ
fbem-29333	37	4	speed	speed	NOUN
fbem-29333	37	5	(	(	PUNCT
fbem-29333	37	6	velocity	velocity	NOUN
fbem-29333	37	7	)	)	PUNCT
fbem-29333	37	8	high	high	ADJ
fbem-29333	37	9	speed	speed	NOUN
fbem-29333	37	10	is	be	AUX
fbem-29333	37	11	a	a	DET
fbem-29333	37	12	large	large	ADJ
fbem-29333	37	13	number	number	NOUN
fbem-29333	37	14	of	of	ADP
fbem-29333	37	15	prerequisites	prerequisite	NOUN
fbem-29333	37	16	,	,	PUNCT
fbem-29333	37	17	and	and	CCONJ
fbem-29333	37	18	the	the	DET
fbem-29333	37	19	speed	speed	NOUN
fbem-29333	37	20	is	be	AUX
fbem-29333	37	21	strictly	strictly	ADV
fbem-29333	37	22	controlled	control	VERB
fbem-29333	37	23	.	.	PUNCT
fbem-29333	38	1	big	big	ADJ
fbem-29333	38	2	data	datum	NOUN
fbem-29333	38	3	has	have	VERB
fbem-29333	38	4	very	very	ADV
fbem-29333	38	5	strict	strict	ADJ
fbem-29333	38	6	requirements	requirement	NOUN
fbem-29333	38	7	on	on	ADP
fbem-29333	38	8	processing	processing	NOUN
fbem-29333	38	9	speed	speed	NOUN
fbem-29333	38	10	.	.	PUNCT
fbem-29333	39	1	in	in	ADP
fbem-29333	39	2	the	the	DET
fbem-29333	39	3	server	server	NOUN
fbem-29333	39	4	there	there	PRON
fbem-29333	39	5	is	be	VERB
fbem-29333	39	6	a	a	DET
fbem-29333	39	7	large	large	ADJ
fbem-29333	39	8	number	number	NOUN
fbem-29333	39	9	of	of	ADP
fbem-29333	39	10	resources	resource	NOUN
fbem-29333	39	11	to	to	PART
fbem-29333	39	12	calculate	calculate	VERB
fbem-29333	39	13	data	datum	NOUN
fbem-29333	39	14	and	and	CCONJ
fbem-29333	39	15	also	also	ADV
fbem-29333	39	16	in	in	ADP
fbem-29333	39	17	many	many	ADJ
fbem-29333	39	18	platforms	platform	NOUN
fbem-29333	39	19	needs	need	VERB
fbem-29333	39	20	to	to	PART
fbem-29333	39	21	be	be	AUX
fbem-29333	39	22	performed	perform	VERB
fbem-29333	39	23	real	real	ADJ
fbem-29333	39	24	-	-	PUNCT
fbem-29333	39	25	time	time	NOUN
fbem-29333	39	26	analysis	analysis	NOUN
fbem-29333	39	27	[	[	X
fbem-29333	39	28	2	2	NUM
fbem-29333	39	29	]	]	PUNCT
fbem-29333	39	30	.	.	PUNCT
fbem-29333	40	1	2.3	2.3	NUM
fbem-29333	40	2	.	.	PUNCT
fbem-29333	40	3	variety	variety	PROPN
fbem-29333	40	4	variety	variety	PROPN
fbem-29333	40	5	makes	make	VERB
fbem-29333	40	6	big	big	ADJ
fbem-29333	40	7	data	datum	NOUN
fbem-29333	40	8	really	really	ADV
fbem-29333	40	9	big	big	ADJ
fbem-29333	40	10	.	.	PUNCT
fbem-29333	41	1	big	big	ADJ
fbem-29333	41	2	data	datum	NOUN
fbem-29333	41	3	comes	come	VERB
fbem-29333	41	4	from	from	ADP
fbem-29333	41	5	a	a	DET
fbem-29333	41	6	great	great	ADJ
fbem-29333	41	7	variety	variety	NOUN
fbem-29333	41	8	of	of	ADP
fbem-29333	41	9	sources	source	NOUN
fbem-29333	41	10	and	and	CCONJ
fbem-29333	41	11	generally	generally	ADV
fbem-29333	41	12	has	have	AUX
fbem-29333	41	13	in	in	ADP
fbem-29333	41	14	three	three	NUM
fbem-29333	41	15	types	type	NOUN
fbem-29333	41	16	:	:	PUNCT
fbem-29333	41	17	structured	structure	VERB
fbem-29333	41	18	,	,	PUNCT
fbem-29333	41	19	semi	semi	ADV
fbem-29333	41	20	structured	structured	ADJ
fbem-29333	41	21	and	and	CCONJ
fbem-29333	41	22	unstructured	unstructured	ADJ
fbem-29333	41	23	.	.	PUNCT
fbem-29333	42	1	structured	structured	ADJ
fbem-29333	42	2	data	datum	NOUN
fbem-29333	42	3	inserts	insert	VERB
fbem-29333	42	4	a	a	DET
fbem-29333	42	5	data	data	NOUN
fbem-29333	42	6	warehouse	warehouse	NOUN
fbem-29333	42	7	already	already	ADV
fbem-29333	42	8	tagged	tag	VERB
fbem-29333	42	9	and	and	CCONJ
fbem-29333	42	10	easily	easily	ADV
fbem-29333	42	11	sorted	sorted	ADJ
fbem-29333	42	12	but	but	CCONJ
fbem-29333	42	13	unstructured	unstructured	ADJ
fbem-29333	42	14	data	datum	NOUN
fbem-29333	42	15	is	be	AUX
fbem-29333	42	16	random	random	ADJ
fbem-29333	42	17	and	and	CCONJ
fbem-29333	42	18	difficult	difficult	ADJ
fbem-29333	42	19	to	to	PART
fbem-29333	42	20	analyze	analyze	VERB
fbem-29333	42	21	.	.	PUNCT
fbem-29333	43	1	semi	semi	ADV
fbem-29333	43	2	structured	structured	ADJ
fbem-29333	43	3	data	datum	NOUN
fbem-29333	43	4	does	do	AUX
fbem-29333	43	5	not	not	PART
fbem-29333	43	6	conform	conform	VERB
fbem-29333	43	7	to	to	ADP
fbem-29333	43	8	fixed	fix	VERB
fbem-29333	43	9	fields	field	NOUN
fbem-29333	43	10	but	but	CCONJ
fbem-29333	43	11	contains	contain	VERB
fbem-29333	43	12	tags	tag	NOUN
fbem-29333	43	13	to	to	ADP
fbem-29333	43	14	separate	separate	ADJ
fbem-29333	43	15	data	datum	NOUN
fbem-29333	43	16	elements	element	NOUN
fbem-29333	43	17	2.4	2.4	NUM
fbem-29333	43	18	.	.	PUNCT
fbem-29333	44	1	veracity	veracity	NOUN
fbem-29333	44	2	in	in	ADP
fbem-29333	44	3	the	the	DET
fbem-29333	44	4	real	real	ADJ
fbem-29333	44	5	world	world	NOUN
fbem-29333	44	6	’s	’s	PART
fbem-29333	44	7	possibilities	possibility	NOUN
fbem-29333	44	8	and	and	CCONJ
fbem-29333	44	9	in	in	ADP
fbem-29333	44	10	the	the	DET
fbem-29333	44	11	big	big	ADJ
fbem-29333	44	12	data	datum	NOUN
fbem-29333	44	13	happens	happen	VERB
fbem-29333	44	14	are	be	AUX
fbem-29333	44	15	really	really	ADV
fbem-29333	44	16	related	relate	VERB
fbem-29333	44	17	.	.	PUNCT
fbem-29333	45	1	for	for	ADP
fbem-29333	45	2	example	example	NOUN
fbem-29333	45	3	,	,	PUNCT
fbem-29333	45	4	researching	research	VERB
fbem-29333	45	5	big	big	ADJ
fbem-29333	45	6	data	datum	NOUN
fbem-29333	45	7	is	be	AUX
fbem-29333	45	8	the	the	DET
fbem-29333	45	9	process	process	NOUN
fbem-29333	45	10	of	of	ADP
fbem-29333	45	11	extracting	extract	VERB
fbem-29333	45	12	from	from	ADP
fbem-29333	45	13	huge	huge	ADJ
fbem-29333	45	14	network	network	NOUN
fbem-29333	45	15	data	datum	NOUN
fbem-29333	45	16	that	that	PRON
fbem-29333	45	17	can	can	AUX
fbem-29333	45	18	explain	explain	VERB
fbem-29333	45	19	and	and	CCONJ
fbem-29333	45	20	predict	predict	VERB
fbem-29333	45	21	real	real	ADJ
fbem-29333	45	22	events	event	NOUN
fbem-29333	45	23	.	.	PUNCT
fbem-29333	46	1	in	in	ADP
fbem-29333	46	2	the	the	DET
fbem-29333	46	3	era	era	NOUN
fbem-29333	46	4	of	of	ADP
fbem-29333	46	5	big	big	ADJ
fbem-29333	46	6	data	datum	NOUN
fbem-29333	46	7	,	,	PUNCT
fbem-29333	46	8	the	the	DET
fbem-29333	46	9	premise	premise	NOUN
fbem-29333	46	10	for	for	SCONJ
fbem-29333	46	11	people	people	NOUN
fbem-29333	46	12	to	to	PART
fbem-29333	46	13	surf	surf	VERB
fbem-29333	46	14	the	the	DET
fbem-29333	46	15	internet	internet	NOUN
fbem-29333	46	16	is	be	AUX
fbem-29333	46	17	to	to	PART
fbem-29333	46	18	abide	abide	VERB
fbem-29333	46	19	by	by	ADP
fbem-29333	46	20	laws	law	NOUN
fbem-29333	46	21	and	and	CCONJ
fbem-29333	46	22	regulations	regulation	NOUN
fbem-29333	46	23	,	,	PUNCT
fbem-29333	46	24	otherwise	otherwise	ADV
fbem-29333	46	25	they	they	PRON
fbem-29333	46	26	will	will	AUX
fbem-29333	46	27	pay	pay	VERB
fbem-29333	46	28	the	the	DET
fbem-29333	46	29	price	price	NOUN
fbem-29333	46	30	.	.	PUNCT
fbem-29333	47	1	credit	credit	NOUN
fbem-29333	47	2	risk	risk	NOUN
fbem-29333	47	3	can	can	AUX
fbem-29333	47	4	be	be	AUX
fbem-29333	47	5	divided	divide	VERB
fbem-29333	47	6	into	into	ADP
fbem-29333	47	7	two	two	NUM
fbem-29333	47	8	categories	category	NOUN
fbem-29333	47	9	:	:	PUNCT
fbem-29333	47	10	market	market	NOUN
fbem-29333	47	11	risk	risk	NOUN
fbem-29333	47	12	and	and	CCONJ
fbem-29333	47	13	non	non	ADJ
fbem-29333	47	14	-	-	ADJ
fbem-29333	47	15	market	market	ADJ
fbem-29333	47	16	risk	risk	NOUN
fbem-29333	47	17	.	.	PUNCT
fbem-29333	48	1	market	market	NOUN
fbem-29333	48	2	risk	risk	NOUN
fbem-29333	48	3	mainly	mainly	ADV
fbem-29333	48	4	comes	come	VERB
fbem-29333	48	5	from	from	ADP
fbem-29333	48	6	(	(	PUNCT
fbem-29333	48	7	the	the	DET
fbem-29333	48	8	lender	lender	NOUN
fbem-29333	48	9	's	's	PART
fbem-29333	48	10	)	)	PUNCT
fbem-29333	48	11	production	production	NOUN
fbem-29333	48	12	and	and	CCONJ
fbem-29333	48	13	sales	sale	NOUN
fbem-29333	48	14	risk	risk	NOUN
fbem-29333	48	15	(	(	PUNCT
fbem-29333	48	16	that	that	PRON
fbem-29333	48	17	is	is	ADV
fbem-29333	48	18	,	,	PUNCT
fbem-29333	48	19	the	the	DET
fbem-29333	48	20	risk	risk	NOUN
fbem-29333	48	21	caused	cause	VERB
fbem-29333	48	22	by	by	ADP
fbem-29333	48	23	changes	change	NOUN
fbem-29333	48	24	in	in	ADP
fbem-29333	48	25	factors	factor	NOUN
fbem-29333	48	26	such	such	ADJ
fbem-29333	48	27	as	as	ADP
fbem-29333	48	28	market	market	NOUN
fbem-29333	48	29	regulation	regulation	NOUN
fbem-29333	48	30	and	and	CCONJ
fbem-29333	48	31	production	production	NOUN
fbem-29333	48	32	technology	technology	NOUN
fbem-29333	48	33	during	during	ADP
fbem-29333	48	34	the	the	DET
fbem-29333	48	35	production	production	NOUN
fbem-29333	48	36	and	and	CCONJ
fbem-29333	48	37	sales	sale	NOUN
fbem-29333	48	38	of	of	ADP
fbem-29333	48	39	commodities	commodity	NOUN
fbem-29333	48	40	by	by	ADP
fbem-29333	48	41	the	the	DET
fbem-29333	48	42	borrower	borrower	NOUN
fbem-29333	48	43	)	)	PUNCT
fbem-29333	48	44	.	.	PUNCT
fbem-29333	49	1	national	national	ADJ
fbem-29333	49	2	risk	risk	NOUN
fbem-29333	49	3	indicators	indicator	NOUN
fbem-29333	49	4	generally	generally	ADV
fbem-29333	49	5	include	include	VERB
fbem-29333	49	6	three	three	NUM
fbem-29333	49	7	types	type	NOUN
fbem-29333	49	8	:	:	PUNCT
fbem-29333	49	9	quantitative	quantitative	ADJ
fbem-29333	49	10	indicators	indicator	NOUN
fbem-29333	49	11	;	;	PUNCT
fbem-29333	49	12	proportional	proportional	ADJ
fbem-29333	49	13	indicators	indicator	NOUN
fbem-29333	49	14	and	and	CCONJ
fbem-29333	49	15	grade	grade	NOUN
fbem-29333	49	16	indicators	indicator	NOUN
fbem-29333	49	17	.	.	PUNCT
fbem-29333	50	1	countries	country	NOUN
fbem-29333	50	2	and	and	CCONJ
fbem-29333	50	3	developing	develop	VERB
fbem-29333	50	4	countries	country	NOUN
fbem-29333	50	5	have	have	VERB
fbem-29333	50	6	different	different	ADJ
fbem-29333	50	7	measurement	measurement	NOUN
fbem-29333	50	8	standards	standard	NOUN
fbem-29333	50	9	.	.	PUNCT
fbem-29333	51	1	for	for	ADP
fbem-29333	51	2	national	national	ADJ
fbem-29333	51	3	-	-	PUNCT
fbem-29333	51	4	level	level	NOUN
fbem-29333	51	5	loans	loan	NOUN
fbem-29333	51	6	,	,	PUNCT
fbem-29333	51	7	international	international	ADJ
fbem-29333	51	8	banks	bank	NOUN
fbem-29333	51	9	will	will	AUX
fbem-29333	51	10	also	also	ADV
fbem-29333	51	11	conduct	conduct	VERB
fbem-29333	51	12	risk	risk	NOUN
fbem-29333	51	13	assessments	assessment	NOUN
fbem-29333	51	14	.	.	PUNCT
fbem-29333	52	1	there	there	PRON
fbem-29333	52	2	are	be	VERB
fbem-29333	52	3	three	three	NUM
fbem-29333	52	4	methods	method	NOUN
fbem-29333	52	5	:	:	PUNCT
fbem-29333	52	6	the	the	DET
fbem-29333	52	7	emphasis	emphasis	NOUN
fbem-29333	52	8	on	on	ADP
fbem-29333	52	9	the	the	DET
fbem-29333	52	10	checklist	checklist	ADJ
fbem-29333	52	11	model	model	NOUN
fbem-29333	52	12	,	,	PUNCT
fbem-29333	52	13	delphi	delphi	NOUN
fbem-29333	52	14	method	method	NOUN
fbem-29333	52	15	,	,	PUNCT
fbem-29333	52	16	structured	structured	ADJ
fbem-29333	52	17	qualitative	qualitative	ADJ
fbem-29333	52	18	analysis	analysis	NOUN
fbem-29333	52	19	system	system	NOUN
fbem-29333	52	20	;	;	PUNCT
fbem-29333	52	21	political	political	ADJ
fbem-29333	52	22	and	and	CCONJ
fbem-29333	52	23	economic	economic	ADJ
fbem-29333	52	24	risk	risk	NOUN
fbem-29333	52	25	index	index	NOUN
fbem-29333	52	26	and	and	CCONJ
fbem-29333	52	27	scenario	scenario	NOUN
fbem-29333	52	28	analysis	analysis	NOUN
fbem-29333	52	29	.	.	PUNCT
fbem-29333	53	1	big	big	ADJ
fbem-29333	53	2	data	datum	NOUN
fbem-29333	53	3	can	can	AUX
fbem-29333	53	4	help	help	VERB
fbem-29333	53	5	bank	bank	NOUN
fbem-29333	53	6	staff	staff	NOUN
fbem-29333	53	7	check	check	VERB
fbem-29333	53	8	and	and	CCONJ
fbem-29333	53	9	predict	predict	VERB
fbem-29333	53	10	whether	whether	SCONJ
fbem-29333	53	11	there	there	PRON
fbem-29333	53	12	is	be	VERB
fbem-29333	53	13	a	a	DET
fbem-29333	53	14	loan	loan	NOUN
fbem-29333	53	15	risk	risk	NOUN
fbem-29333	53	16	in	in	ADP
fbem-29333	53	17	a	a	DET
fbem-29333	53	18	timely	timely	ADJ
fbem-29333	53	19	manner	manner	NOUN
fbem-29333	53	20	,	,	PUNCT
fbem-29333	53	21	and	and	CCONJ
fbem-29333	53	22	it	it	PRON
fbem-29333	53	23	will	will	AUX
fbem-29333	53	24	also	also	ADV
fbem-29333	53	25	cause	cause	VERB
fbem-29333	53	26	some	some	DET
fbem-29333	53	27	controversy	controversy	NOUN
fbem-29333	53	28	.	.	PUNCT
fbem-29333	54	1	non	non	ADJ
fbem-29333	54	2	-	-	ADJ
fbem-29333	54	3	market	market	ADJ
fbem-29333	54	4	risks	risk	NOUN
fbem-29333	54	5	refer	refer	VERB
fbem-29333	54	6	to	to	ADP
fbem-29333	54	7	risks	risk	NOUN
fbem-29333	54	8	other	other	ADJ
fbem-29333	54	9	than	than	ADP
fbem-29333	54	10	market	market	NOUN
fbem-29333	54	11	risks	risk	NOUN
fbem-29333	54	12	,	,	PUNCT
fbem-29333	54	13	usually	usually	ADV
fbem-29333	54	14	sudden	sudden	ADJ
fbem-29333	54	15	,	,	PUNCT
fbem-29333	54	16	such	such	ADJ
fbem-29333	54	17	as	as	ADP
fbem-29333	54	18	natural	natural	ADJ
fbem-29333	54	19	risks	risk	NOUN
fbem-29333	54	20	caused	cause	VERB
fbem-29333	54	21	by	by	ADP
fbem-29333	54	22	natural	natural	ADJ
fbem-29333	54	23	disasters	disaster	NOUN
fbem-29333	54	24	such	such	ADJ
fbem-29333	54	25	as	as	ADP
fbem-29333	54	26	the	the	DET
fbem-29333	54	27	new	new	ADJ
fbem-29333	54	28	crown	crown	NOUN
fbem-29333	54	29	virus	virus	NOUN
fbem-29333	54	30	and	and	CCONJ
fbem-29333	54	31	floods	flood	NOUN
fbem-29333	54	32	.	.	PUNCT
fbem-29333	55	1	once	once	ADV
fbem-29333	55	2	this	this	DET
fbem-29333	55	3	natural	natural	ADJ
fbem-29333	55	4	risk	risk	NOUN
fbem-29333	55	5	prevails	prevail	VERB
fbem-29333	55	6	,	,	PUNCT
fbem-29333	55	7	it	it	PRON
fbem-29333	55	8	will	will	AUX
fbem-29333	55	9	be	be	AUX
fbem-29333	55	10	unfair	unfair	ADJ
fbem-29333	55	11	to	to	PART
fbem-29333	55	12	use	use	VERB
fbem-29333	55	13	big	big	ADJ
fbem-29333	55	14	data	datum	NOUN
fbem-29333	55	15	to	to	PART
fbem-29333	55	16	predict	predict	VERB
fbem-29333	55	17	the	the	DET
fbem-29333	55	18	loan	loan	NOUN
fbem-29333	55	19	repayment	repayment	NOUN
fbem-29333	55	20	behavior	behavior	NOUN
fbem-29333	55	21	of	of	ADP
fbem-29333	55	22	the	the	DET
fbem-29333	55	23	lender	lender	NOUN
fbem-29333	56	1	[	[	X
fbem-29333	56	2	2	2	NUM
fbem-29333	56	3	]	]	PUNCT
fbem-29333	56	4	.	.	PUNCT
fbem-29333	57	1	3	3	X
fbem-29333	57	2	.	.	X
fbem-29333	57	3	applications	application	NOUN
fbem-29333	57	4	of	of	ADP
fbem-29333	57	5	big	big	ADJ
fbem-29333	57	6	data	datum	NOUN
fbem-29333	57	7	in	in	ADP
fbem-29333	57	8	risk	risk	NOUN
fbem-29333	57	9	management	management	NOUN
fbem-29333	57	10	and	and	CCONJ
fbem-29333	57	11	business	business	NOUN
fbem-29333	57	12	optimization	optimization	NOUN
fbem-29333	57	13	3.1	3.1	NUM
fbem-29333	57	14	.	.	PUNCT
fbem-29333	58	1	early	early	ADJ
fbem-29333	58	2	warning	warning	NOUN
fbem-29333	58	3	systems	system	NOUN
fbem-29333	58	4	big	big	ADJ
fbem-29333	58	5	data	datum	NOUN
fbem-29333	58	6	analytics	analytic	NOUN
fbem-29333	58	7	enables	enable	VERB
fbem-29333	58	8	the	the	DET
fbem-29333	58	9	development	development	NOUN
fbem-29333	58	10	of	of	ADP
fbem-29333	58	11	predictive	predictive	ADJ
fbem-29333	58	12	models	model	NOUN
fbem-29333	58	13	for	for	ADP
fbem-29333	58	14	identifying	identify	VERB
fbem-29333	58	15	potential	potential	ADJ
fbem-29333	58	16	loan	loan	NOUN
fbem-29333	58	17	defaulters	defaulter	NOUN
fbem-29333	58	18	.	.	PUNCT
fbem-29333	59	1	for	for	ADP
fbem-29333	59	2	example	example	NOUN
fbem-29333	59	3	,	,	PUNCT
fbem-29333	59	4	machine	machine	NOUN
fbem-29333	59	5	learning	learn	VERB
fbem-29333	59	6	algorithms	algorithm	NOUN
fbem-29333	59	7	can	can	AUX
fbem-29333	59	8	analyze	analyze	VERB
fbem-29333	59	9	customer	customer	NOUN
fbem-29333	59	10	repayment	repayment	NOUN
fbem-29333	59	11	histories	history	NOUN
fbem-29333	59	12	and	and	CCONJ
fbem-29333	59	13	market	market	NOUN
fbem-29333	59	14	conditions	condition	NOUN
fbem-29333	59	15	to	to	PART
fbem-29333	59	16	forecast	forecast	VERB
fbem-29333	59	17	risks	risk	NOUN
fbem-29333	59	18	.	.	PUNCT
fbem-29333	60	1	banks	bank	NOUN
fbem-29333	60	2	use	use	VERB
fbem-29333	60	3	these	these	DET
fbem-29333	60	4	systems	system	NOUN
fbem-29333	60	5	to	to	PART
fbem-29333	60	6	set	set	VERB
fbem-29333	60	7	up	up	ADP
fbem-29333	60	8	proactive	proactive	ADJ
fbem-29333	60	9	measures	measure	NOUN
fbem-29333	60	10	,	,	PUNCT
fbem-29333	60	11	such	such	ADJ
fbem-29333	60	12	as	as	ADP
fbem-29333	60	13	revising	revise	VERB
fbem-29333	60	14	credit	credit	NOUN
fbem-29333	60	15	terms	term	NOUN
fbem-29333	60	16	or	or	CCONJ
fbem-29333	60	17	initiating	initiate	VERB
fbem-29333	60	18	customer	customer	NOUN
fbem-29333	60	19	engagement	engagement	NOUN
fbem-29333	60	20	[	[	X
fbem-29333	60	21	3	3	NUM
fbem-29333	60	22	]	]	PUNCT
fbem-29333	60	23	.	.	PUNCT
fbem-29333	61	1	3.2	3.2	NUM
fbem-29333	61	2	.	.	PUNCT
fbem-29333	62	1	fraud	fraud	NOUN
fbem-29333	62	2	detection	detection	PROPN
fbem-29333	62	3	advanced	advanced	ADJ
fbem-29333	62	4	algorithms	algorithm	NOUN
fbem-29333	62	5	help	help	VERB
fbem-29333	62	6	banks	bank	NOUN
fbem-29333	62	7	detect	detect	VERB
fbem-29333	62	8	fraudulent	fraudulent	ADJ
fbem-29333	62	9	loan	loan	NOUN
fbem-29333	62	10	applications	application	NOUN
fbem-29333	62	11	and	and	CCONJ
fbem-29333	62	12	suspicious	suspicious	ADJ
fbem-29333	62	13	repayment	repayment	NOUN
fbem-29333	62	14	behaviors	behavior	NOUN
fbem-29333	62	15	.	.	PUNCT
fbem-29333	63	1	neural	neural	ADJ
fbem-29333	63	2	networks	network	NOUN
fbem-29333	63	3	and	and	CCONJ
fbem-29333	63	4	decision	decision	NOUN
fbem-29333	63	5	trees	tree	NOUN
fbem-29333	63	6	analyze	analyze	VERB
fbem-29333	63	7	anomalies	anomaly	NOUN
fbem-29333	63	8	in	in	ADP
fbem-29333	63	9	repayment	repayment	NOUN
fbem-29333	63	10	patterns	pattern	NOUN
fbem-29333	63	11	,	,	PUNCT
fbem-29333	63	12	flagging	flag	VERB
fbem-29333	63	13	potentially	potentially	ADV
fbem-29333	63	14	fraudulent	fraudulent	ADJ
fbem-29333	63	15	activities	activity	NOUN
fbem-29333	63	16	for	for	ADP
fbem-29333	63	17	further	further	ADJ
fbem-29333	63	18	investigation	investigation	NOUN
fbem-29333	63	19	[	[	X
fbem-29333	63	20	4	4	NUM
fbem-29333	63	21	]	]	PUNCT
fbem-29333	63	22	.	.	PUNCT
fbem-29333	64	1	3.3	3.3	NUM
fbem-29333	64	2	.	.	PUNCT
fbem-29333	65	1	guarantee	guarantee	NOUN
fbem-29333	65	2	circle	circle	NOUN
fbem-29333	65	3	risk	risk	NOUN
fbem-29333	65	4	monitoring	monitor	VERB
fbem-29333	65	5	big	big	ADJ
fbem-29333	65	6	data	datum	NOUN
fbem-29333	65	7	enables	enable	VERB
fbem-29333	65	8	banks	bank	NOUN
fbem-29333	65	9	to	to	PART
fbem-29333	65	10	monitor	monitor	VERB
fbem-29333	65	11	and	and	CCONJ
fbem-29333	65	12	analyze	analyze	VERB
fbem-29333	65	13	mutual	mutual	ADJ
fbem-29333	65	14	guarantee	guarantee	NOUN
fbem-29333	65	15	relationships	relationship	NOUN
fbem-29333	65	16	among	among	ADP
fbem-29333	65	17	borrowers	borrower	NOUN
fbem-29333	65	18	.	.	PUNCT
fbem-29333	66	1	by	by	ADP
fbem-29333	66	2	constructing	construct	VERB
fbem-29333	66	3	risk	risk	NOUN
fbem-29333	66	4	heatmaps	heatmap	NOUN
fbem-29333	66	5	,	,	PUNCT
fbem-29333	66	6	financial	financial	ADJ
fbem-29333	66	7	institutions	institution	NOUN
fbem-29333	66	8	can	can	AUX
fbem-29333	66	9	identify	identify	VERB
fbem-29333	66	10	high	high	ADJ
fbem-29333	66	11	-	-	PUNCT
fbem-29333	66	12	risk	risk	NOUN
fbem-29333	66	13	guarantee	guarantee	NOUN
fbem-29333	66	14	circles	circle	NOUN
fbem-29333	66	15	and	and	CCONJ
fbem-29333	66	16	mitigate	mitigate	VERB
fbem-29333	66	17	contagion	contagion	NOUN
fbem-29333	66	18	effects	effect	NOUN
fbem-29333	66	19	.	.	PUNCT
fbem-29333	67	1	for	for	ADP
fbem-29333	67	2	example	example	NOUN
fbem-29333	67	3	,	,	PUNCT
fbem-29333	67	4	this	this	DET
fbem-29333	67	5	approach	approach	NOUN
fbem-29333	67	6	helped	help	VERB
fbem-29333	67	7	reduce	reduce	VERB
fbem-29333	67	8	default	default	NOUN
fbem-29333	67	9	chains	chain	NOUN
fbem-29333	67	10	in	in	ADP
fbem-29333	67	11	the	the	DET
fbem-29333	67	12	aftermath	aftermath	NOUN
fbem-29333	67	13	of	of	ADP
fbem-29333	67	14	the	the	DET
fbem-29333	67	15	2008	2008	NUM
fbem-29333	67	16	financial	financial	ADJ
fbem-29333	67	17	crisis	crisis	NOUN
fbem-29333	67	18	[	[	X
fbem-29333	67	19	5	5	NUM
fbem-29333	67	20	]	]	PUNCT
fbem-29333	67	21	.	.	PUNCT
fbem-29333	68	1	3.4	3.4	NUM
fbem-29333	68	2	.	.	PUNCT
fbem-29333	69	1	cross	cross	ADJ
fbem-29333	69	2	-	-	ADJ
fbem-29333	69	3	selling	sell	VERB
fbem-29333	69	4	opportunities	opportunity	NOUN
fbem-29333	69	5	banks	bank	NOUN
fbem-29333	69	6	use	use	VERB
fbem-29333	69	7	big	big	ADJ
fbem-29333	69	8	data	datum	NOUN
fbem-29333	69	9	to	to	PART
fbem-29333	69	10	analyze	analyze	VERB
fbem-29333	69	11	customer	customer	NOUN
fbem-29333	69	12	behaviors	behavior	NOUN
fbem-29333	69	13	and	and	CCONJ
fbem-29333	69	14	recommend	recommend	VERB
fbem-29333	69	15	tailored	tailor	VERB
fbem-29333	69	16	financial	financial	ADJ
fbem-29333	69	17	products	product	NOUN
fbem-29333	69	18	.	.	PUNCT
fbem-29333	70	1	for	for	ADP
fbem-29333	70	2	instance	instance	NOUN
fbem-29333	70	3	,	,	PUNCT
fbem-29333	70	4	analyzing	analyze	VERB
fbem-29333	70	5	transaction	transaction	NOUN
fbem-29333	70	6	patterns	pattern	NOUN
fbem-29333	70	7	can	can	AUX
fbem-29333	70	8	help	help	VERB
fbem-29333	70	9	banks	bank	NOUN
fbem-29333	70	10	identify	identify	VERB
fbem-29333	70	11	customers	customer	NOUN
fbem-29333	70	12	likely	likely	ADJ
fbem-29333	70	13	to	to	PART
fbem-29333	70	14	need	need	VERB
fbem-29333	70	15	additional	additional	ADJ
fbem-29333	70	16	credit	credit	NOUN
fbem-29333	70	17	products	product	NOUN
fbem-29333	70	18	,	,	PUNCT
fbem-29333	70	19	enhancing	enhance	VERB
fbem-29333	70	20	customer	customer	NOUN
fbem-29333	70	21	satisfaction	satisfaction	NOUN
fbem-29333	70	22	while	while	SCONJ
fbem-29333	70	23	minimizing	minimize	VERB
fbem-29333	70	24	risk	risk	NOUN
fbem-29333	70	25	[	[	X
fbem-29333	70	26	6	6	NUM
fbem-29333	70	27	]	]	PUNCT
fbem-29333	70	28	.	.	PUNCT
fbem-29333	71	1	3.5	3.5	NUM
fbem-29333	71	2	.	.	PUNCT
fbem-29333	72	1	big	big	ADJ
fbem-29333	72	2	data	datum	NOUN
fbem-29333	72	3	in	in	ADP
fbem-29333	72	4	marketing	market	VERB
fbem-29333	72	5	the	the	DET
fbem-29333	72	6	second	second	ADJ
fbem-29333	72	7	type	type	NOUN
fbem-29333	72	8	is	be	AUX
fbem-29333	72	9	the	the	DET
fbem-29333	72	10	personalized	personalized	ADJ
fbem-29333	72	11	recommendation	recommendation	NOUN
fbem-29333	72	12	marketing	marketing	NOUN
fbem-29333	72	13	model	model	NOUN
fbem-29333	72	14	using	use	VERB
fbem-29333	72	15	big	big	ADJ
fbem-29333	72	16	data	datum	NOUN
fbem-29333	72	17	,	,	PUNCT
fbem-29333	72	18	that	that	ADV
fbem-29333	72	19	is	is	ADV
fbem-29333	72	20	,	,	PUNCT
fbem-29333	72	21	the	the	DET
fbem-29333	72	22	bank	bank	NOUN
fbem-29333	72	23	uses	use	VERB
fbem-29333	72	24	the	the	DET
fbem-29333	72	25	bank	bank	NOUN
fbem-29333	72	26	's	's	PART
fbem-29333	72	27	internal	internal	ADJ
fbem-29333	72	28	website	website	NOUN
fbem-29333	72	29	to	to	PART
fbem-29333	72	30	record	record	VERB
fbem-29333	72	31	how	how	SCONJ
fbem-29333	72	32	many	many	ADJ
fbem-29333	72	33	stocks	stock	NOUN
fbem-29333	72	34	and	and	CCONJ
fbem-29333	72	35	funds	fund	NOUN
fbem-29333	72	36	the	the	DET
fbem-29333	72	37	customer	customer	NOUN
fbem-29333	72	38	has	have	AUX
fbem-29333	72	39	purchased	purchase	VERB
fbem-29333	72	40	at	at	ADP
fbem-29333	72	41	which	which	DET
fbem-29333	72	42	outlet	outlet	NOUN
fbem-29333	72	43	,	,	PUNCT
fbem-29333	72	44	in	in	ADP
fbem-29333	72	45	order	order	NOUN
fbem-29333	72	46	to	to	PART
fbem-29333	72	47	analyze	analyze	VERB
fbem-29333	72	48	the	the	DET
fbem-29333	72	49	customer	customer	NOUN
fbem-29333	72	50	's	's	PART
fbem-29333	72	51	buying	buying	NOUN
fbem-29333	72	52	habits	habit	NOUN
fbem-29333	72	53	,	,	PUNCT
fbem-29333	72	54	so	so	SCONJ
fbem-29333	72	55	as	as	SCONJ
fbem-29333	72	56	to	to	PART
fbem-29333	72	57	provide	provide	VERB
fbem-29333	72	58	more	more	ADV
fbem-29333	72	59	accurate	accurate	ADJ
fbem-29333	72	60	,	,	PUNCT
fbem-29333	72	61	targeted	target	VERB
fbem-29333	72	62	products	product	NOUN
fbem-29333	72	63	or	or	CCONJ
fbem-29333	72	64	services	service	NOUN
fbem-29333	72	65	.	.	PUNCT
fbem-29333	73	1	[	[	X
fbem-29333	73	2	7	7	X
fbem-29333	73	3	]	]	PUNCT
fbem-29333	73	4	here	here	ADV
fbem-29333	73	5	we	we	PRON
fbem-29333	73	6	know	know	VERB
fbem-29333	73	7	that	that	SCONJ
fbem-29333	73	8	people	people	NOUN
fbem-29333	73	9	use	use	VERB
fbem-29333	73	10	big	big	ADJ
fbem-29333	73	11	data	datum	NOUN
fbem-29333	73	12	for	for	ADP
fbem-29333	73	13	production	production	NOUN
fbem-29333	73	14	and	and	CCONJ
fbem-29333	73	15	life	life	NOUN
fbem-29333	73	16	,	,	PUNCT
fbem-29333	73	17	but	but	CCONJ
fbem-29333	73	18	in	in	ADP
fbem-29333	73	19	the	the	DET
fbem-29333	73	20	current	current	ADJ
fbem-29333	73	21	overall	overall	ADJ
fbem-29333	73	22	economic	economic	ADJ
fbem-29333	73	23	environment	environment	NOUN
fbem-29333	73	24	,	,	PUNCT
fbem-29333	73	25	commercial	commercial	ADJ
fbem-29333	73	26	bank	bank	NOUN
fbem-29333	73	27	credit	credit	NOUN
fbem-29333	73	28	business	business	NOUN
fbem-29333	73	29	risks	risk	NOUN
fbem-29333	73	30	are	be	AUX
fbem-29333	73	31	constantly	constantly	ADV
fbem-29333	73	32	exposed	expose	VERB
fbem-29333	73	33	the	the	DET
fbem-29333	73	34	non	non	ADJ
fbem-29333	73	35	-	-	ADJ
fbem-29333	73	36	performing	perform	VERB
fbem-29333	73	37	loan	loan	NOUN
fbem-29333	73	38	ratio	ratio	NOUN
fbem-29333	73	39	of	of	ADP
fbem-29333	73	40	100	100	NUM
fbem-29333	73	41	million	million	NUM
fbem-29333	73	42	yuan	yuan	NOUN
fbem-29333	73	43	was	be	AUX
fbem-29333	73	44	as	as	ADV
fbem-29333	73	45	high	high	ADJ
fbem-29333	73	46	as	as	ADP
fbem-29333	73	47	1.89	1.89	NUM
fbem-29333	73	48	%	%	NOUN
fbem-29333	73	49	,	,	PUNCT
fbem-29333	73	50	the	the	DET
fbem-29333	73	51	highest	high	ADJ
fbem-29333	73	52	in	in	ADP
fbem-29333	73	53	nearly	nearly	ADV
fbem-29333	73	54	10	10	NUM
fbem-29333	73	55	years	year	NOUN
fbem-29333	74	1	[	[	X
fbem-29333	74	2	8	8	NUM
fbem-29333	74	3	]	]	SYM
fbem-29333	74	4	.	.	PUNCT
fbem-29333	75	1	4	4	X
fbem-29333	75	2	.	.	X
fbem-29333	75	3	challenges	challenge	NOUN
fbem-29333	75	4	in	in	ADP
fbem-29333	75	5	big	big	ADJ
fbem-29333	75	6	data	datum	NOUN
fbem-29333	75	7	application	application	NOUN
fbem-29333	75	8	4.1	4.1	NUM
fbem-29333	75	9	.	.	PUNCT
fbem-29333	76	1	privacy	privacy	NOUN
fbem-29333	76	2	and	and	CCONJ
fbem-29333	76	3	compliance	compliance	NOUN
fbem-29333	76	4	the	the	DET
fbem-29333	76	5	use	use	NOUN
fbem-29333	76	6	of	of	ADP
fbem-29333	76	7	big	big	ADJ
fbem-29333	76	8	data	datum	NOUN
fbem-29333	76	9	in	in	ADP
fbem-29333	76	10	banking	banking	NOUN
fbem-29333	76	11	raises	raise	VERB
fbem-29333	76	12	significant	significant	ADJ
fbem-29333	76	13	privacy	privacy	NOUN
fbem-29333	76	14	concerns	concern	NOUN
fbem-29333	76	15	,	,	PUNCT
fbem-29333	76	16	primarily	primarily	ADV
fbem-29333	76	17	due	due	ADP
fbem-29333	76	18	to	to	ADP
fbem-29333	76	19	the	the	DET
fbem-29333	76	20	sensitive	sensitive	ADJ
fbem-29333	76	21	nature	nature	NOUN
fbem-29333	76	22	of	of	ADP
fbem-29333	76	23	the	the	DET
fbem-29333	76	24	data	datum	NOUN
fbem-29333	76	25	involved	involve	VERB
fbem-29333	76	26	,	,	PUNCT
fbem-29333	76	27	such	such	ADJ
fbem-29333	76	28	as	as	ADP
fbem-29333	76	29	financial	financial	ADJ
fbem-29333	76	30	transactions	transaction	NOUN
fbem-29333	76	31	,	,	PUNCT
fbem-29333	76	32	credit	credit	NOUN
fbem-29333	76	33	histories	history	NOUN
fbem-29333	76	34	,	,	PUNCT
fbem-29333	76	35	and	and	CCONJ
fbem-29333	76	36	personal	personal	ADJ
fbem-29333	76	37	identification	identification	NOUN
fbem-29333	76	38	information	information	NOUN
fbem-29333	76	39	.	.	PUNCT
fbem-29333	77	1	unauthorized	unauthorized	ADJ
fbem-29333	77	2	access	access	NOUN
fbem-29333	77	3	to	to	ADP
fbem-29333	77	4	or	or	CCONJ
fbem-29333	77	5	misuse	misuse	NOUN
fbem-29333	77	6	of	of	ADP
fbem-29333	77	7	this	this	DET
fbem-29333	77	8	data	datum	NOUN
fbem-29333	77	9	can	can	AUX
fbem-29333	77	10	lead	lead	VERB
fbem-29333	77	11	to	to	ADP
fbem-29333	77	12	identity	identity	NOUN
fbem-29333	77	13	theft	theft	NOUN
fbem-29333	77	14	,	,	PUNCT
fbem-29333	77	15	financial	financial	ADJ
fbem-29333	77	16	fraud	fraud	NOUN
fbem-29333	77	17	,	,	PUNCT
fbem-29333	77	18	and	and	CCONJ
fbem-29333	77	19	breaches	breach	NOUN
fbem-29333	77	20	of	of	ADP
fbem-29333	77	21	customer	customer	NOUN
fbem-29333	77	22	trust	trust	NOUN
fbem-29333	77	23	.	.	PUNCT
fbem-29333	78	1	consequently	consequently	ADV
fbem-29333	78	2	,	,	PUNCT
fbem-29333	78	3	regulations	regulation	NOUN
fbem-29333	78	4	such	such	ADJ
fbem-29333	78	5	as	as	ADP
fbem-29333	78	6	the	the	DET
fbem-29333	78	7	general	general	ADJ
fbem-29333	78	8	data	data	PROPN
fbem-29333	78	9	protection	protection	NOUN
fbem-29333	78	10	regulation	regulation	NOUN
fbem-29333	78	11	(	(	PUNCT
fbem-29333	78	12	gdpr	gdpr	NOUN
fbem-29333	78	13	)	)	PUNCT
fbem-29333	78	14	in	in	ADP
fbem-29333	78	15	the	the	DET
fbem-29333	78	16	european	european	PROPN
fbem-29333	78	17	union	union	PROPN
fbem-29333	78	18	and	and	CCONJ
fbem-29333	78	19	the	the	DET
fbem-29333	78	20	california	california	PROPN
fbem-29333	78	21	consumer	consumer	PROPN
fbem-29333	78	22	privacy	privacy	PROPN
fbem-29333	78	23	act	act	PROPN
fbem-29333	78	24	(	(	PUNCT
fbem-29333	78	25	ccpa	ccpa	NOUN
fbem-29333	78	26	)	)	PUNCT
fbem-29333	78	27	in	in	ADP
fbem-29333	78	28	the	the	DET
fbem-29333	78	29	united	united	PROPN
fbem-29333	78	30	states	states	PROPN
fbem-29333	78	31	have	have	AUX
fbem-29333	78	32	been	be	AUX
fbem-29333	78	33	enacted	enact	VERB
fbem-29333	78	34	to	to	PART
fbem-29333	78	35	safeguard	safeguard	VERB
fbem-29333	78	36	individual	individual	ADJ
fbem-29333	78	37	privacy	privacy	NOUN
fbem-29333	78	38	and	and	CCONJ
fbem-29333	78	39	ensure	ensure	VERB
fbem-29333	78	40	ethical	ethical	ADJ
fbem-29333	78	41	data	datum	NOUN
fbem-29333	78	42	practices	practice	NOUN
fbem-29333	78	43	.	.	PUNCT
fbem-29333	79	1	the	the	DET
fbem-29333	79	2	gdpr	gdpr	PROPN
fbem-29333	79	3	imposes	impose	VERB
fbem-29333	79	4	stringent	stringent	ADJ
fbem-29333	79	5	requirements	requirement	NOUN
fbem-29333	79	6	on	on	ADP
fbem-29333	79	7	data	datum	NOUN
fbem-29333	79	8	handling	handling	NOUN
fbem-29333	79	9	,	,	PUNCT
fbem-29333	79	10	emphasizing	emphasize	VERB
fbem-29333	79	11	principles	principle	NOUN
fbem-29333	79	12	such	such	ADJ
fbem-29333	79	13	as	as	ADP
fbem-29333	79	14	data	data	NOUN
fbem-29333	79	15	minimization	minimization	NOUN
fbem-29333	79	16	,	,	PUNCT
fbem-29333	79	17	purpose	purpose	NOUN
fbem-29333	79	18	limitation	limitation	NOUN
fbem-29333	79	19	,	,	PUNCT
fbem-29333	79	20	and	and	CCONJ
fbem-29333	79	21	accountability	accountability	NOUN
fbem-29333	79	22	.	.	PUNCT
fbem-29333	80	1	it	it	PRON
fbem-29333	80	2	mandates	mandate	VERB
fbem-29333	80	3	that	that	SCONJ
fbem-29333	80	4	banks	bank	NOUN
fbem-29333	80	5	and	and	CCONJ
fbem-29333	80	6	financial	financial	ADJ
fbem-29333	80	7	institutions	institution	NOUN
fbem-29333	80	8	obtain	obtain	VERB
fbem-29333	80	9	explicit	explicit	ADJ
fbem-29333	80	10	consent	consent	NOUN
fbem-29333	80	11	from	from	ADP
fbem-29333	80	12	customers	customer	NOUN
fbem-29333	80	13	before	before	ADP
fbem-29333	80	14	collecting	collect	VERB
fbem-29333	80	15	or	or	CCONJ
fbem-29333	80	16	processing	process	VERB
fbem-29333	80	17	their	their	PRON
fbem-29333	80	18	data	datum	NOUN
fbem-29333	80	19	.	.	PUNCT
fbem-29333	81	1	additionally	additionally	ADV
fbem-29333	81	2	,	,	PUNCT
fbem-29333	81	3	organizations	organization	NOUN
fbem-29333	81	4	must	must	AUX
fbem-29333	81	5	ensure	ensure	VERB
fbem-29333	81	6	that	that	SCONJ
fbem-29333	81	7	personal	personal	ADJ
fbem-29333	81	8	data	datum	NOUN
fbem-29333	81	9	is	be	AUX
fbem-29333	81	10	stored	store	VERB
fbem-29333	81	11	securely	securely	ADV
fbem-29333	81	12	,	,	PUNCT
fbem-29333	81	13	protected	protect	VERB
fbem-29333	81	14	against	against	ADP
fbem-29333	81	15	unauthorized	unauthorized	ADJ
fbem-29333	81	16	access	access	NOUN
fbem-29333	81	17	,	,	PUNCT
fbem-29333	81	18	and	and	CCONJ
fbem-29333	81	19	deleted	delete	VERB
fbem-29333	81	20	when	when	SCONJ
fbem-29333	81	21	no	no	PRON
fbem-29333	81	22	longer	long	ADV
fbem-29333	81	23	necessary	necessary	ADJ
fbem-29333	81	24	.	.	PUNCT
fbem-29333	82	1	non	non	ADJ
fbem-29333	82	2	-	-	NOUN
fbem-29333	82	3	compliance	compliance	NOUN
fbem-29333	82	4	with	with	ADP
fbem-29333	82	5	the	the	DET
fbem-29333	82	6	gdpr	gdpr	PROPN
fbem-29333	82	7	can	can	AUX
fbem-29333	82	8	result	result	VERB
fbem-29333	82	9	in	in	ADP
fbem-29333	82	10	severe	severe	ADJ
fbem-29333	82	11	penalties	penalty	NOUN
fbem-29333	82	12	,	,	PUNCT
fbem-29333	82	13	including	include	VERB
fbem-29333	82	14	fines	fine	NOUN
fbem-29333	82	15	of	of	ADP
fbem-29333	82	16	up	up	ADP
fbem-29333	82	17	to	to	PART
fbem-29333	82	18	€	€	SYM
fbem-29333	82	19	20	20	NUM
fbem-29333	82	20	million	million	NUM
fbem-29333	82	21	or	or	CCONJ
fbem-29333	82	22	4	4	NUM
fbem-29333	82	23	%	%	NOUN
fbem-29333	82	24	of	of	ADP
fbem-29333	82	25	the	the	DET
fbem-29333	82	26	annual	annual	ADJ
fbem-29333	82	27	global	global	ADJ
fbem-29333	82	28	turnover	turnover	NOUN
fbem-29333	82	29	,	,	PUNCT
fbem-29333	82	30	whichever	whichever	PRON
fbem-29333	82	31	is	be	AUX
fbem-29333	82	32	higher	high	ADJ
fbem-29333	82	33	[	[	X
fbem-29333	82	34	9	9	NUM
fbem-29333	82	35	]	]	PUNCT
fbem-29333	82	36	.	.	PUNCT
fbem-29333	83	1	similarly	similarly	ADV
fbem-29333	83	2	,	,	PUNCT
fbem-29333	83	3	the	the	DET
fbem-29333	83	4	ccpa	ccpa	NOUN
fbem-29333	83	5	grants	grant	VERB
fbem-29333	83	6	consumers	consumer	NOUN
fbem-29333	83	7	in	in	ADP
fbem-29333	83	8	california	california	PROPN
fbem-29333	83	9	the	the	DET
fbem-29333	83	10	right	right	NOUN
fbem-29333	83	11	to	to	PART
fbem-29333	83	12	know	know	VERB
fbem-29333	83	13	what	what	PRON
fbem-29333	83	14	personal	personal	ADJ
fbem-29333	83	15	information	information	NOUN
fbem-29333	83	16	is	be	AUX
fbem-29333	83	17	collected	collect	VERB
fbem-29333	83	18	about	about	ADP
fbem-29333	83	19	them	they	PRON
fbem-29333	83	20	,	,	PUNCT
fbem-29333	83	21	how	how	SCONJ
fbem-29333	83	22	it	it	PRON
fbem-29333	83	23	is	be	AUX
fbem-29333	83	24	used	use	VERB
fbem-29333	83	25	,	,	PUNCT
fbem-29333	83	26	and	and	CCONJ
fbem-29333	83	27	with	with	ADP
fbem-29333	83	28	whom	whom	PRON
fbem-29333	83	29	it	it	PRON
fbem-29333	83	30	is	be	AUX
fbem-29333	83	31	shared	share	VERB
fbem-29333	83	32	.	.	PUNCT
fbem-29333	84	1	it	it	PRON
fbem-29333	84	2	also	also	ADV
fbem-29333	84	3	provides	provide	VERB
fbem-29333	84	4	the	the	DET
fbem-29333	84	5	right	right	NOUN
fbem-29333	84	6	to	to	PART
fbem-29333	84	7	request	request	VERB
fbem-29333	84	8	the	the	DET
fbem-29333	84	9	deletion	deletion	NOUN
fbem-29333	84	10	of	of	ADP
fbem-29333	84	11	personal	personal	ADJ
fbem-29333	84	12	data	datum	NOUN
fbem-29333	84	13	and	and	CCONJ
fbem-29333	84	14	opt	opt	VERB
fbem-29333	84	15	out	out	ADP
fbem-29333	84	16	of	of	ADP
fbem-29333	84	17	the	the	DET
fbem-29333	84	18	sale	sale	NOUN
fbem-29333	84	19	of	of	ADP
fbem-29333	84	20	their	their	PRON
fbem-29333	84	21	information	information	NOUN
fbem-29333	84	22	.	.	PUNCT
fbem-29333	85	1	financial	financial	ADJ
fbem-29333	85	2	institutions	institution	NOUN
fbem-29333	85	3	181	181	NUM
fbem-29333	85	4	operating	operate	VERB
fbem-29333	85	5	under	under	ADP
fbem-29333	85	6	ccpa	ccpa	NOUN
fbem-29333	85	7	jurisdiction	jurisdiction	NOUN
fbem-29333	85	8	must	must	AUX
fbem-29333	85	9	implement	implement	VERB
fbem-29333	85	10	robust	robust	ADJ
fbem-29333	85	11	measures	measure	NOUN
fbem-29333	85	12	to	to	PART
fbem-29333	85	13	comply	comply	VERB
fbem-29333	85	14	with	with	ADP
fbem-29333	85	15	these	these	DET
fbem-29333	85	16	requirements	requirement	NOUN
fbem-29333	85	17	,	,	PUNCT
fbem-29333	85	18	failing	fail	VERB
fbem-29333	85	19	which	which	PRON
fbem-29333	85	20	they	they	PRON
fbem-29333	85	21	may	may	AUX
fbem-29333	85	22	face	face	VERB
fbem-29333	85	23	substantial	substantial	ADJ
fbem-29333	85	24	fines	fine	NOUN
fbem-29333	85	25	and	and	CCONJ
fbem-29333	85	26	legal	legal	ADJ
fbem-29333	85	27	action	action	NOUN
fbem-29333	85	28	[	[	X
fbem-29333	85	29	9	9	NUM
fbem-29333	85	30	]	]	PUNCT
fbem-29333	85	31	.	.	PUNCT
fbem-29333	86	1	beyond	beyond	ADP
fbem-29333	86	2	regulatory	regulatory	ADJ
fbem-29333	86	3	penalties	penalty	NOUN
fbem-29333	86	4	,	,	PUNCT
fbem-29333	86	5	non	non	ADJ
fbem-29333	86	6	-	-	NOUN
fbem-29333	86	7	compliance	compliance	NOUN
fbem-29333	86	8	with	with	ADP
fbem-29333	86	9	privacy	privacy	NOUN
fbem-29333	86	10	regulations	regulation	NOUN
fbem-29333	86	11	can	can	AUX
fbem-29333	86	12	severely	severely	ADV
fbem-29333	86	13	damage	damage	VERB
fbem-29333	86	14	a	a	DET
fbem-29333	86	15	bank	bank	NOUN
fbem-29333	86	16	's	's	PART
fbem-29333	86	17	reputation	reputation	NOUN
fbem-29333	86	18	.	.	PUNCT
fbem-29333	87	1	data	datum	NOUN
fbem-29333	87	2	breaches	breach	NOUN
fbem-29333	87	3	or	or	CCONJ
fbem-29333	87	4	perceived	perceive	VERB
fbem-29333	87	5	misuse	misuse	NOUN
fbem-29333	87	6	of	of	ADP
fbem-29333	87	7	customer	customer	NOUN
fbem-29333	87	8	information	information	NOUN
fbem-29333	87	9	can	can	AUX
fbem-29333	87	10	lead	lead	VERB
fbem-29333	87	11	to	to	ADP
fbem-29333	87	12	loss	loss	NOUN
fbem-29333	87	13	of	of	ADP
fbem-29333	87	14	trust	trust	NOUN
fbem-29333	87	15	,	,	PUNCT
fbem-29333	87	16	customer	customer	NOUN
fbem-29333	87	17	attrition	attrition	NOUN
fbem-29333	87	18	,	,	PUNCT
fbem-29333	87	19	and	and	CCONJ
fbem-29333	87	20	a	a	DET
fbem-29333	87	21	decline	decline	NOUN
fbem-29333	87	22	in	in	ADP
fbem-29333	87	23	market	market	NOUN
fbem-29333	87	24	share	share	NOUN
fbem-29333	87	25	.	.	PUNCT
fbem-29333	88	1	for	for	ADP
fbem-29333	88	2	instance	instance	NOUN
fbem-29333	88	3	,	,	PUNCT
fbem-29333	88	4	the	the	DET
fbem-29333	88	5	equifax	equifax	NOUN
fbem-29333	88	6	data	datum	NOUN
fbem-29333	88	7	breach	breach	NOUN
fbem-29333	88	8	in	in	ADP
fbem-29333	88	9	2017	2017	NUM
fbem-29333	88	10	,	,	PUNCT
fbem-29333	88	11	which	which	PRON
fbem-29333	88	12	exposed	expose	VERB
fbem-29333	88	13	the	the	DET
fbem-29333	88	14	sensitive	sensitive	ADJ
fbem-29333	88	15	information	information	NOUN
fbem-29333	88	16	of	of	ADP
fbem-29333	88	17	over	over	ADP
fbem-29333	88	18	147	147	NUM
fbem-29333	88	19	million	million	NUM
fbem-29333	88	20	individuals	individual	NOUN
fbem-29333	88	21	,	,	PUNCT
fbem-29333	88	22	not	not	PART
fbem-29333	88	23	only	only	ADV
fbem-29333	88	24	resulted	result	VERB
fbem-29333	88	25	in	in	ADP
fbem-29333	88	26	legal	legal	ADJ
fbem-29333	88	27	settlements	settlement	NOUN
fbem-29333	88	28	exceeding	exceed	VERB
fbem-29333	88	29	$	$	SYM
fbem-29333	88	30	700	700	NUM
fbem-29333	88	31	million	million	NUM
fbem-29333	88	32	but	but	CCONJ
fbem-29333	88	33	also	also	ADV
fbem-29333	88	34	caused	cause	VERB
fbem-29333	88	35	significant	significant	ADJ
fbem-29333	88	36	reputational	reputational	ADJ
fbem-29333	88	37	harm	harm	NOUN
fbem-29333	88	38	to	to	ADP
fbem-29333	88	39	the	the	DET
fbem-29333	88	40	company	company	NOUN
fbem-29333	88	41	[	[	X
fbem-29333	88	42	9	9	NUM
fbem-29333	88	43	]	]	PUNCT
fbem-29333	88	44	.	.	PUNCT
fbem-29333	89	1	in	in	ADP
fbem-29333	89	2	response	response	NOUN
fbem-29333	89	3	to	to	ADP
fbem-29333	89	4	these	these	DET
fbem-29333	89	5	challenges	challenge	NOUN
fbem-29333	89	6	,	,	PUNCT
fbem-29333	89	7	banks	bank	NOUN
fbem-29333	89	8	are	be	AUX
fbem-29333	89	9	investing	invest	VERB
fbem-29333	89	10	in	in	ADP
fbem-29333	89	11	advanced	advanced	ADJ
fbem-29333	89	12	cybersecurity	cybersecurity	NOUN
fbem-29333	89	13	measures	measure	NOUN
fbem-29333	89	14	,	,	PUNCT
fbem-29333	89	15	encryption	encryption	NOUN
fbem-29333	89	16	technologies	technology	NOUN
fbem-29333	89	17	,	,	PUNCT
fbem-29333	89	18	and	and	CCONJ
fbem-29333	89	19	data	datum	NOUN
fbem-29333	89	20	governance	governance	NOUN
fbem-29333	89	21	frameworks	framework	NOUN
fbem-29333	89	22	to	to	PART
fbem-29333	89	23	protect	protect	VERB
fbem-29333	89	24	customer	customer	NOUN
fbem-29333	89	25	information	information	NOUN
fbem-29333	89	26	and	and	CCONJ
fbem-29333	89	27	ensure	ensure	VERB
fbem-29333	89	28	regulatory	regulatory	ADJ
fbem-29333	89	29	compliance	compliance	NOUN
fbem-29333	89	30	.	.	PUNCT
fbem-29333	90	1	additionally	additionally	ADV
fbem-29333	90	2	,	,	PUNCT
fbem-29333	90	3	the	the	DET
fbem-29333	90	4	adoption	adoption	NOUN
fbem-29333	90	5	of	of	ADP
fbem-29333	90	6	privacy	privacy	NOUN
fbem-29333	90	7	-	-	PUNCT
fbem-29333	90	8	enhancing	enhance	VERB
fbem-29333	90	9	technologies	technology	NOUN
fbem-29333	90	10	,	,	PUNCT
fbem-29333	90	11	such	such	ADJ
fbem-29333	90	12	as	as	ADP
fbem-29333	90	13	differential	differential	ADJ
fbem-29333	90	14	privacy	privacy	NOUN
fbem-29333	90	15	and	and	CCONJ
fbem-29333	90	16	secure	secure	VERB
fbem-29333	90	17	multi	multi	ADJ
fbem-29333	90	18	-	-	ADJ
fbem-29333	90	19	party	party	ADJ
fbem-29333	90	20	computation	computation	NOUN
fbem-29333	90	21	,	,	PUNCT
fbem-29333	90	22	is	be	AUX
fbem-29333	90	23	gaining	gain	VERB
fbem-29333	90	24	traction	traction	NOUN
fbem-29333	90	25	as	as	SCONJ
fbem-29333	90	26	banks	bank	NOUN
fbem-29333	90	27	strive	strive	VERB
fbem-29333	90	28	to	to	PART
fbem-29333	90	29	balance	balance	VERB
fbem-29333	90	30	the	the	DET
fbem-29333	90	31	benefits	benefit	NOUN
fbem-29333	90	32	of	of	ADP
fbem-29333	90	33	big	big	ADJ
fbem-29333	90	34	data	datum	NOUN
fbem-29333	90	35	with	with	ADP
fbem-29333	90	36	the	the	DET
fbem-29333	90	37	imperative	imperative	NOUN
fbem-29333	90	38	of	of	ADP
fbem-29333	90	39	protecting	protect	VERB
fbem-29333	90	40	individual	individual	ADJ
fbem-29333	90	41	privacy	privacy	NOUN
fbem-29333	91	1	[	[	X
fbem-29333	91	2	9	9	NUM
fbem-29333	91	3	]	]	SYM
fbem-29333	91	4	.	.	PUNCT
fbem-29333	92	1	4.2	4.2	NUM
fbem-29333	92	2	.	.	PUNCT
fbem-29333	93	1	technical	technical	ADJ
fbem-29333	93	2	scalability	scalability	NOUN
fbem-29333	93	3	processing	processing	NOUN
fbem-29333	93	4	and	and	CCONJ
fbem-29333	93	5	storing	store	VERB
fbem-29333	93	6	vast	vast	ADJ
fbem-29333	93	7	datasets	dataset	NOUN
fbem-29333	93	8	require	require	VERB
fbem-29333	93	9	significant	significant	ADJ
fbem-29333	93	10	infrastructure	infrastructure	NOUN
fbem-29333	93	11	investments	investment	NOUN
fbem-29333	93	12	,	,	PUNCT
fbem-29333	93	13	particularly	particularly	ADV
fbem-29333	93	14	in	in	ADP
fbem-29333	93	15	the	the	DET
fbem-29333	93	16	banking	banking	NOUN
fbem-29333	93	17	sector	sector	NOUN
fbem-29333	93	18	,	,	PUNCT
fbem-29333	93	19	where	where	SCONJ
fbem-29333	93	20	the	the	DET
fbem-29333	93	21	volume	volume	NOUN
fbem-29333	93	22	,	,	PUNCT
fbem-29333	93	23	variety	variety	NOUN
fbem-29333	93	24	,	,	PUNCT
fbem-29333	93	25	and	and	CCONJ
fbem-29333	93	26	velocity	velocity	NOUN
fbem-29333	93	27	of	of	ADP
fbem-29333	93	28	data	datum	NOUN
fbem-29333	93	29	are	be	AUX
fbem-29333	93	30	continually	continually	ADV
fbem-29333	93	31	increasing	increase	VERB
fbem-29333	93	32	.	.	PUNCT
fbem-29333	94	1	banks	bank	NOUN
fbem-29333	94	2	handle	handle	VERB
fbem-29333	94	3	diverse	diverse	ADJ
fbem-29333	94	4	datasets	dataset	NOUN
fbem-29333	94	5	,	,	PUNCT
fbem-29333	94	6	including	include	VERB
fbem-29333	94	7	customer	customer	NOUN
fbem-29333	94	8	transactions	transaction	NOUN
fbem-29333	94	9	,	,	PUNCT
fbem-29333	94	10	loan	loan	NOUN
fbem-29333	94	11	applications	application	NOUN
fbem-29333	94	12	,	,	PUNCT
fbem-29333	94	13	market	market	NOUN
fbem-29333	94	14	trends	trend	NOUN
fbem-29333	94	15	,	,	PUNCT
fbem-29333	94	16	and	and	CCONJ
fbem-29333	94	17	external	external	ADJ
fbem-29333	94	18	data	datum	NOUN
fbem-29333	94	19	such	such	ADJ
fbem-29333	94	20	as	as	ADP
fbem-29333	94	21	social	social	ADJ
fbem-29333	94	22	media	medium	NOUN
fbem-29333	94	23	interactions	interaction	NOUN
fbem-29333	94	24	.	.	PUNCT
fbem-29333	95	1	the	the	DET
fbem-29333	95	2	complexity	complexity	NOUN
fbem-29333	95	3	and	and	CCONJ
fbem-29333	95	4	scale	scale	NOUN
fbem-29333	95	5	of	of	ADP
fbem-29333	95	6	these	these	DET
fbem-29333	95	7	datasets	dataset	NOUN
fbem-29333	95	8	often	often	ADV
fbem-29333	95	9	overwhelm	overwhelm	VERB
fbem-29333	95	10	traditional	traditional	ADJ
fbem-29333	95	11	it	it	PRON
fbem-29333	95	12	infrastructures	infrastructure	NOUN
fbem-29333	95	13	,	,	PUNCT
fbem-29333	95	14	making	make	VERB
fbem-29333	95	15	them	they	PRON
fbem-29333	95	16	inadequate	inadequate	ADJ
fbem-29333	95	17	for	for	ADP
fbem-29333	95	18	meeting	meet	VERB
fbem-29333	95	19	the	the	DET
fbem-29333	95	20	demands	demand	NOUN
fbem-29333	95	21	of	of	ADP
fbem-29333	95	22	big	big	ADJ
fbem-29333	95	23	data	datum	NOUN
fbem-29333	95	24	analytics	analytic	NOUN
fbem-29333	95	25	.	.	PUNCT
fbem-29333	96	1	legacy	legacy	NOUN
fbem-29333	96	2	systems	system	NOUN
fbem-29333	96	3	,	,	PUNCT
fbem-29333	96	4	which	which	PRON
fbem-29333	96	5	were	be	AUX
fbem-29333	96	6	designed	design	VERB
fbem-29333	96	7	for	for	ADP
fbem-29333	96	8	structured	structured	ADJ
fbem-29333	96	9	and	and	CCONJ
fbem-29333	96	10	static	static	ADJ
fbem-29333	96	11	datasets	dataset	NOUN
fbem-29333	96	12	,	,	PUNCT
fbem-29333	96	13	struggle	struggle	VERB
fbem-29333	96	14	to	to	PART
fbem-29333	96	15	process	process	VERB
fbem-29333	96	16	the	the	DET
fbem-29333	96	17	dynamic	dynamic	ADJ
fbem-29333	96	18	,	,	PUNCT
fbem-29333	96	19	unstructured	unstructured	ADJ
fbem-29333	96	20	,	,	PUNCT
fbem-29333	96	21	and	and	CCONJ
fbem-29333	96	22	real	real	ADJ
fbem-29333	96	23	-	-	PUNCT
fbem-29333	96	24	time	time	NOUN
fbem-29333	96	25	data	datum	NOUN
fbem-29333	96	26	that	that	PRON
fbem-29333	96	27	modern	modern	ADJ
fbem-29333	96	28	banking	banking	NOUN
fbem-29333	96	29	operations	operation	NOUN
fbem-29333	96	30	require	require	VERB
fbem-29333	96	31	.	.	PUNCT
fbem-29333	97	1	to	to	PART
fbem-29333	97	2	address	address	VERB
fbem-29333	97	3	these	these	DET
fbem-29333	97	4	challenges	challenge	NOUN
fbem-29333	97	5	,	,	PUNCT
fbem-29333	97	6	banks	bank	NOUN
fbem-29333	97	7	are	be	AUX
fbem-29333	97	8	increasingly	increasingly	ADV
fbem-29333	97	9	adopting	adopt	VERB
fbem-29333	97	10	scalable	scalable	ADJ
fbem-29333	97	11	platforms	platform	NOUN
fbem-29333	97	12	like	like	ADP
fbem-29333	97	13	cloud	cloud	NOUN
fbem-29333	97	14	-	-	PUNCT
fbem-29333	97	15	based	base	VERB
fbem-29333	97	16	storage	storage	NOUN
fbem-29333	97	17	and	and	CCONJ
fbem-29333	97	18	computing	computing	NOUN
fbem-29333	97	19	systems	system	NOUN
fbem-29333	97	20	.	.	PUNCT
fbem-29333	98	1	cloud	cloud	NOUN
fbem-29333	98	2	platforms	platform	NOUN
fbem-29333	98	3	offer	offer	VERB
fbem-29333	98	4	the	the	DET
fbem-29333	98	5	flexibility	flexibility	NOUN
fbem-29333	98	6	to	to	PART
fbem-29333	98	7	scale	scale	VERB
fbem-29333	98	8	resources	resource	NOUN
fbem-29333	98	9	on	on	ADP
fbem-29333	98	10	demand	demand	NOUN
fbem-29333	98	11	,	,	PUNCT
fbem-29333	98	12	enabling	enable	VERB
fbem-29333	98	13	banks	bank	NOUN
fbem-29333	98	14	to	to	PART
fbem-29333	98	15	manage	manage	VERB
fbem-29333	98	16	and	and	CCONJ
fbem-29333	98	17	analyze	analyze	VERB
fbem-29333	98	18	large	large	ADJ
fbem-29333	98	19	volumes	volume	NOUN
fbem-29333	98	20	of	of	ADP
fbem-29333	98	21	data	datum	NOUN
fbem-29333	98	22	efficiently	efficiently	ADV
fbem-29333	98	23	.	.	PUNCT
fbem-29333	99	1	technologies	technology	NOUN
fbem-29333	99	2	like	like	ADP
fbem-29333	99	3	amazon	amazon	PROPN
fbem-29333	99	4	web	web	NOUN
fbem-29333	99	5	services	service	NOUN
fbem-29333	99	6	(	(	PUNCT
fbem-29333	99	7	aws	aw	NOUN
fbem-29333	99	8	)	)	PUNCT
fbem-29333	99	9	,	,	PUNCT
fbem-29333	99	10	microsoft	microsoft	PROPN
fbem-29333	99	11	azure	azure	NOUN
fbem-29333	99	12	,	,	PUNCT
fbem-29333	99	13	and	and	CCONJ
fbem-29333	99	14	google	google	PROPN
fbem-29333	99	15	cloud	cloud	NOUN
fbem-29333	99	16	provide	provide	VERB
fbem-29333	99	17	robust	robust	ADJ
fbem-29333	99	18	tools	tool	NOUN
fbem-29333	99	19	for	for	ADP
fbem-29333	99	20	data	datum	NOUN
fbem-29333	99	21	storage	storage	NOUN
fbem-29333	99	22	,	,	PUNCT
fbem-29333	99	23	processing	processing	NOUN
fbem-29333	99	24	,	,	PUNCT
fbem-29333	99	25	and	and	CCONJ
fbem-29333	99	26	analytics	analytic	NOUN
fbem-29333	99	27	,	,	PUNCT
fbem-29333	99	28	allowing	allow	VERB
fbem-29333	99	29	banks	bank	NOUN
fbem-29333	99	30	to	to	PART
fbem-29333	99	31	integrate	integrate	VERB
fbem-29333	99	32	diverse	diverse	ADJ
fbem-29333	99	33	data	datum	NOUN
fbem-29333	99	34	sources	source	NOUN
fbem-29333	99	35	into	into	ADP
fbem-29333	99	36	unified	unified	ADJ
fbem-29333	99	37	frameworks	framework	NOUN
fbem-29333	99	38	.	.	PUNCT
fbem-29333	100	1	these	these	DET
fbem-29333	100	2	platforms	platform	NOUN
fbem-29333	100	3	also	also	ADV
fbem-29333	100	4	support	support	VERB
fbem-29333	100	5	advanced	advanced	ADJ
fbem-29333	100	6	analytics	analytic	NOUN
fbem-29333	100	7	and	and	CCONJ
fbem-29333	100	8	machine	machine	NOUN
fbem-29333	100	9	learning	learning	NOUN
fbem-29333	100	10	models	model	NOUN
fbem-29333	100	11	,	,	PUNCT
fbem-29333	100	12	which	which	PRON
fbem-29333	100	13	are	be	AUX
fbem-29333	100	14	essential	essential	ADJ
fbem-29333	100	15	for	for	ADP
fbem-29333	100	16	tasks	task	NOUN
fbem-29333	100	17	such	such	ADJ
fbem-29333	100	18	as	as	ADP
fbem-29333	100	19	credit	credit	NOUN
fbem-29333	100	20	risk	risk	NOUN
fbem-29333	100	21	assessment	assessment	NOUN
fbem-29333	100	22	and	and	CCONJ
fbem-29333	100	23	fraud	fraud	NOUN
fbem-29333	100	24	detection	detection	NOUN
fbem-29333	100	25	.	.	PUNCT
fbem-29333	101	1	in	in	ADP
fbem-29333	101	2	addition	addition	NOUN
fbem-29333	101	3	to	to	ADP
fbem-29333	101	4	scalability	scalability	NOUN
fbem-29333	101	5	,	,	PUNCT
fbem-29333	101	6	cloud	cloud	NOUN
fbem-29333	101	7	-	-	PUNCT
fbem-29333	101	8	based	base	VERB
fbem-29333	101	9	systems	system	NOUN
fbem-29333	101	10	provide	provide	VERB
fbem-29333	101	11	enhanced	enhanced	ADJ
fbem-29333	101	12	data	datum	NOUN
fbem-29333	101	13	security	security	NOUN
fbem-29333	101	14	through	through	ADP
fbem-29333	101	15	encryption	encryption	NOUN
fbem-29333	101	16	,	,	PUNCT
fbem-29333	101	17	access	access	NOUN
fbem-29333	101	18	control	control	NOUN
fbem-29333	101	19	,	,	PUNCT
fbem-29333	101	20	and	and	CCONJ
fbem-29333	101	21	regular	regular	ADJ
fbem-29333	101	22	updates	update	NOUN
fbem-29333	101	23	.	.	PUNCT
fbem-29333	102	1	these	these	DET
fbem-29333	102	2	features	feature	NOUN
fbem-29333	102	3	are	be	AUX
fbem-29333	102	4	particularly	particularly	ADV
fbem-29333	102	5	important	important	ADJ
fbem-29333	102	6	for	for	ADP
fbem-29333	102	7	compliance	compliance	NOUN
fbem-29333	102	8	with	with	ADP
fbem-29333	102	9	data	datum	NOUN
fbem-29333	102	10	protection	protection	NOUN
fbem-29333	102	11	regulations	regulation	NOUN
fbem-29333	102	12	such	such	ADJ
fbem-29333	102	13	as	as	ADP
fbem-29333	102	14	the	the	DET
fbem-29333	102	15	gdpr	gdpr	NOUN
fbem-29333	102	16	and	and	CCONJ
fbem-29333	102	17	ccpa	ccpa	NOUN
fbem-29333	102	18	.	.	PUNCT
fbem-29333	103	1	furthermore	furthermore	ADV
fbem-29333	103	2	,	,	PUNCT
fbem-29333	103	3	cloud	cloud	NOUN
fbem-29333	103	4	platforms	platform	NOUN
fbem-29333	103	5	enable	enable	VERB
fbem-29333	103	6	banks	bank	NOUN
fbem-29333	103	7	to	to	PART
fbem-29333	103	8	reduce	reduce	VERB
fbem-29333	103	9	infrastructure	infrastructure	NOUN
fbem-29333	103	10	costs	cost	NOUN
fbem-29333	103	11	,	,	PUNCT
fbem-29333	103	12	as	as	SCONJ
fbem-29333	103	13	they	they	PRON
fbem-29333	103	14	eliminate	eliminate	VERB
fbem-29333	103	15	the	the	DET
fbem-29333	103	16	need	need	NOUN
fbem-29333	103	17	for	for	ADP
fbem-29333	103	18	large	large	ADJ
fbem-29333	103	19	-	-	PUNCT
fbem-29333	103	20	scale	scale	NOUN
fbem-29333	103	21	on	on	ADP
fbem-29333	103	22	-	-	PUNCT
fbem-29333	103	23	premises	premise	NOUN
fbem-29333	103	24	hardware	hardware	NOUN
fbem-29333	103	25	and	and	CCONJ
fbem-29333	103	26	associated	associated	ADJ
fbem-29333	103	27	maintenance	maintenance	NOUN
fbem-29333	103	28	expenses	expense	NOUN
fbem-29333	103	29	.	.	PUNCT
fbem-29333	104	1	despite	despite	SCONJ
fbem-29333	104	2	these	these	DET
fbem-29333	104	3	advantages	advantage	NOUN
fbem-29333	104	4	,	,	PUNCT
fbem-29333	104	5	transitioning	transition	VERB
fbem-29333	104	6	from	from	ADP
fbem-29333	104	7	legacy	legacy	NOUN
fbem-29333	104	8	systems	system	NOUN
fbem-29333	104	9	to	to	ADP
fbem-29333	104	10	cloud	cloud	NOUN
fbem-29333	104	11	-	-	PUNCT
fbem-29333	104	12	based	base	VERB
fbem-29333	104	13	platforms	platform	NOUN
fbem-29333	104	14	is	be	AUX
fbem-29333	104	15	not	not	PART
fbem-29333	104	16	without	without	ADP
fbem-29333	104	17	challenges	challenge	NOUN
fbem-29333	104	18	.	.	PUNCT
fbem-29333	105	1	the	the	DET
fbem-29333	105	2	migration	migration	NOUN
fbem-29333	105	3	process	process	NOUN
fbem-29333	105	4	can	can	AUX
fbem-29333	105	5	be	be	AUX
fbem-29333	105	6	complex	complex	ADJ
fbem-29333	105	7	,	,	PUNCT
fbem-29333	105	8	requiring	require	VERB
fbem-29333	105	9	significant	significant	ADJ
fbem-29333	105	10	planning	planning	NOUN
fbem-29333	105	11	,	,	PUNCT
fbem-29333	105	12	investment	investment	NOUN
fbem-29333	105	13	,	,	PUNCT
fbem-29333	105	14	and	and	CCONJ
fbem-29333	105	15	expertise	expertise	NOUN
fbem-29333	105	16	.	.	PUNCT
fbem-29333	106	1	banks	bank	NOUN
fbem-29333	106	2	must	must	AUX
fbem-29333	106	3	ensure	ensure	VERB
fbem-29333	106	4	that	that	SCONJ
fbem-29333	106	5	the	the	DET
fbem-29333	106	6	migration	migration	NOUN
fbem-29333	106	7	does	do	AUX
fbem-29333	106	8	not	not	PART
fbem-29333	106	9	disrupt	disrupt	VERB
fbem-29333	106	10	ongoing	ongoing	ADJ
fbem-29333	106	11	operations	operation	NOUN
fbem-29333	106	12	or	or	CCONJ
fbem-29333	106	13	compromise	compromise	NOUN
fbem-29333	106	14	data	datum	NOUN
fbem-29333	106	15	integrity	integrity	NOUN
fbem-29333	106	16	.	.	PUNCT
fbem-29333	107	1	moreover	moreover	ADV
fbem-29333	107	2	,	,	PUNCT
fbem-29333	107	3	integrating	integrate	VERB
fbem-29333	107	4	legacy	legacy	NOUN
fbem-29333	107	5	data	datum	NOUN
fbem-29333	107	6	into	into	ADP
fbem-29333	107	7	modern	modern	ADJ
fbem-29333	107	8	systems	system	NOUN
fbem-29333	107	9	often	often	ADV
fbem-29333	107	10	requires	require	VERB
fbem-29333	107	11	extensive	extensive	ADJ
fbem-29333	107	12	cleaning	cleaning	NOUN
fbem-29333	107	13	and	and	CCONJ
fbem-29333	107	14	reformatting	reformatte	VERB
fbem-29333	107	15	to	to	PART
fbem-29333	107	16	ensure	ensure	VERB
fbem-29333	107	17	compatibility	compatibility	NOUN
fbem-29333	107	18	with	with	ADP
fbem-29333	107	19	advanced	advanced	ADJ
fbem-29333	107	20	analytics	analytic	NOUN
fbem-29333	107	21	tools	tool	NOUN
fbem-29333	107	22	.	.	PUNCT
fbem-29333	108	1	another	another	DET
fbem-29333	108	2	challenge	challenge	NOUN
fbem-29333	108	3	is	be	AUX
fbem-29333	108	4	the	the	DET
fbem-29333	108	5	perception	perception	NOUN
fbem-29333	108	6	of	of	ADP
fbem-29333	108	7	security	security	NOUN
fbem-29333	108	8	risks	risk	NOUN
fbem-29333	108	9	associated	associate	VERB
fbem-29333	108	10	with	with	ADP
fbem-29333	108	11	cloud	cloud	NOUN
fbem-29333	108	12	platforms	platform	NOUN
fbem-29333	108	13	.	.	PUNCT
fbem-29333	109	1	while	while	SCONJ
fbem-29333	109	2	cloud	cloud	NOUN
fbem-29333	109	3	providers	provider	NOUN
fbem-29333	109	4	invest	invest	VERB
fbem-29333	109	5	heavily	heavily	ADV
fbem-29333	109	6	in	in	ADP
fbem-29333	109	7	security	security	NOUN
fbem-29333	109	8	measures	measure	NOUN
fbem-29333	109	9	,	,	PUNCT
fbem-29333	109	10	concerns	concern	NOUN
fbem-29333	109	11	about	about	ADP
fbem-29333	109	12	data	datum	NOUN
fbem-29333	109	13	breaches	breach	NOUN
fbem-29333	109	14	and	and	CCONJ
fbem-29333	109	15	unauthorized	unauthorized	ADJ
fbem-29333	109	16	access	access	NOUN
fbem-29333	109	17	remain	remain	VERB
fbem-29333	109	18	prevalent	prevalent	ADJ
fbem-29333	109	19	.	.	PUNCT
fbem-29333	110	1	to	to	PART
fbem-29333	110	2	mitigate	mitigate	VERB
fbem-29333	110	3	these	these	DET
fbem-29333	110	4	risks	risk	NOUN
fbem-29333	110	5	,	,	PUNCT
fbem-29333	110	6	many	many	ADJ
fbem-29333	110	7	banks	bank	NOUN
fbem-29333	110	8	adopt	adopt	VERB
fbem-29333	110	9	hybrid	hybrid	ADJ
fbem-29333	110	10	cloud	cloud	NOUN
fbem-29333	110	11	solutions	solution	NOUN
fbem-29333	110	12	,	,	PUNCT
fbem-29333	110	13	combining	combine	VERB
fbem-29333	110	14	on	on	ADP
fbem-29333	110	15	-	-	PUNCT
fbem-29333	110	16	premises	premise	NOUN
fbem-29333	110	17	infrastructure	infrastructure	NOUN
fbem-29333	110	18	for	for	ADP
fbem-29333	110	19	sensitive	sensitive	ADJ
fbem-29333	110	20	data	datum	NOUN
fbem-29333	110	21	with	with	ADP
fbem-29333	110	22	cloud	cloud	NOUN
fbem-29333	110	23	platforms	platform	NOUN
fbem-29333	110	24	for	for	ADP
fbem-29333	110	25	less	less	ADV
fbem-29333	110	26	critical	critical	ADJ
fbem-29333	110	27	operations	operation	NOUN
fbem-29333	110	28	.	.	PUNCT
fbem-29333	111	1	investments	investment	NOUN
fbem-29333	111	2	in	in	ADP
fbem-29333	111	3	scalable	scalable	ADJ
fbem-29333	111	4	infrastructure	infrastructure	NOUN
fbem-29333	111	5	also	also	ADV
fbem-29333	111	6	extend	extend	VERB
fbem-29333	111	7	to	to	ADP
fbem-29333	111	8	distributed	distribute	VERB
fbem-29333	111	9	computing	computing	NOUN
fbem-29333	111	10	frameworks	framework	NOUN
fbem-29333	111	11	like	like	ADP
fbem-29333	111	12	hadoop	hadoop	NOUN
fbem-29333	111	13	and	and	CCONJ
fbem-29333	111	14	apache	apache	NOUN
fbem-29333	111	15	spark	spark	NOUN
fbem-29333	111	16	,	,	PUNCT
fbem-29333	111	17	which	which	PRON
fbem-29333	111	18	allow	allow	VERB
fbem-29333	111	19	banks	bank	NOUN
fbem-29333	111	20	to	to	PART
fbem-29333	111	21	process	process	VERB
fbem-29333	111	22	massive	massive	ADJ
fbem-29333	111	23	datasets	dataset	NOUN
fbem-29333	111	24	across	across	ADP
fbem-29333	111	25	multiple	multiple	ADJ
fbem-29333	111	26	nodes	node	NOUN
fbem-29333	111	27	simultaneously	simultaneously	ADV
fbem-29333	111	28	.	.	PUNCT
fbem-29333	112	1	these	these	DET
fbem-29333	112	2	frameworks	framework	NOUN
fbem-29333	112	3	enable	enable	VERB
fbem-29333	112	4	parallel	parallel	ADJ
fbem-29333	112	5	processing	processing	NOUN
fbem-29333	112	6	,	,	PUNCT
fbem-29333	112	7	significantly	significantly	ADV
fbem-29333	112	8	reducing	reduce	VERB
fbem-29333	112	9	the	the	DET
fbem-29333	112	10	time	time	NOUN
fbem-29333	112	11	required	require	VERB
fbem-29333	112	12	for	for	ADP
fbem-29333	112	13	data	datum	NOUN
fbem-29333	112	14	analysis	analysis	NOUN
fbem-29333	112	15	and	and	CCONJ
fbem-29333	112	16	making	make	VERB
fbem-29333	112	17	real	real	ADJ
fbem-29333	112	18	-	-	PUNCT
fbem-29333	112	19	time	time	NOUN
fbem-29333	112	20	decision	decision	NOUN
fbem-29333	112	21	-	-	PUNCT
fbem-29333	112	22	making	making	NOUN
fbem-29333	112	23	feasible	feasible	ADJ
fbem-29333	112	24	.	.	PUNCT
fbem-29333	113	1	for	for	ADP
fbem-29333	113	2	example	example	NOUN
fbem-29333	113	3	,	,	PUNCT
fbem-29333	113	4	hadoop	hadoop	NOUN
fbem-29333	113	5	's	's	PART
fbem-29333	113	6	ability	ability	NOUN
fbem-29333	113	7	to	to	PART
fbem-29333	113	8	store	store	VERB
fbem-29333	113	9	and	and	CCONJ
fbem-29333	113	10	process	process	VERB
fbem-29333	113	11	unstructured	unstructured	ADJ
fbem-29333	113	12	data	datum	NOUN
fbem-29333	113	13	has	have	AUX
fbem-29333	113	14	made	make	VERB
fbem-29333	113	15	it	it	PRON
fbem-29333	113	16	a	a	DET
fbem-29333	113	17	popular	popular	ADJ
fbem-29333	113	18	choice	choice	NOUN
fbem-29333	113	19	for	for	ADP
fbem-29333	113	20	banks	bank	NOUN
fbem-29333	113	21	looking	look	VERB
fbem-29333	113	22	to	to	PART
fbem-29333	113	23	analyze	analyze	VERB
fbem-29333	113	24	customer	customer	NOUN
fbem-29333	113	25	sentiment	sentiment	NOUN
fbem-29333	113	26	from	from	ADP
fbem-29333	113	27	social	social	ADJ
fbem-29333	113	28	media	medium	NOUN
fbem-29333	113	29	platforms	platform	NOUN
fbem-29333	113	30	or	or	CCONJ
fbem-29333	113	31	transaction	transaction	NOUN
fbem-29333	113	32	logs	log	NOUN
fbem-29333	113	33	.	.	PUNCT
fbem-29333	114	1	as	as	SCONJ
fbem-29333	114	2	the	the	DET
fbem-29333	114	3	volume	volume	NOUN
fbem-29333	114	4	of	of	ADP
fbem-29333	114	5	data	datum	NOUN
fbem-29333	114	6	continues	continue	VERB
fbem-29333	114	7	to	to	PART
fbem-29333	114	8	grow	grow	VERB
fbem-29333	114	9	,	,	PUNCT
fbem-29333	114	10	banks	bank	NOUN
fbem-29333	114	11	must	must	AUX
fbem-29333	114	12	prioritize	prioritize	VERB
fbem-29333	114	13	the	the	DET
fbem-29333	114	14	modernization	modernization	NOUN
fbem-29333	114	15	of	of	ADP
fbem-29333	114	16	their	their	PRON
fbem-29333	114	17	it	it	NOUN
fbem-29333	114	18	infrastructures	infrastructure	NOUN
fbem-29333	114	19	to	to	PART
fbem-29333	114	20	stay	stay	VERB
fbem-29333	114	21	competitive	competitive	ADJ
fbem-29333	114	22	.	.	PUNCT
fbem-29333	115	1	by	by	ADP
fbem-29333	115	2	investing	invest	VERB
fbem-29333	115	3	in	in	ADP
fbem-29333	115	4	scalable	scalable	ADJ
fbem-29333	115	5	,	,	PUNCT
fbem-29333	115	6	secure	secure	ADJ
fbem-29333	115	7	,	,	PUNCT
fbem-29333	115	8	and	and	CCONJ
fbem-29333	115	9	efficient	efficient	ADJ
fbem-29333	115	10	platforms	platform	NOUN
fbem-29333	115	11	,	,	PUNCT
fbem-29333	115	12	financial	financial	ADJ
fbem-29333	115	13	institutions	institution	NOUN
fbem-29333	115	14	can	can	AUX
fbem-29333	115	15	unlock	unlock	VERB
fbem-29333	115	16	the	the	DET
fbem-29333	115	17	full	full	ADJ
fbem-29333	115	18	potential	potential	NOUN
fbem-29333	115	19	of	of	ADP
fbem-29333	115	20	big	big	ADJ
fbem-29333	115	21	data	datum	NOUN
fbem-29333	115	22	,	,	PUNCT
fbem-29333	115	23	driving	drive	VERB
fbem-29333	115	24	innovation	innovation	NOUN
fbem-29333	115	25	in	in	ADP
fbem-29333	115	26	customer	customer	NOUN
fbem-29333	115	27	service	service	NOUN
fbem-29333	115	28	,	,	PUNCT
fbem-29333	115	29	risk	risk	NOUN
fbem-29333	115	30	management	management	NOUN
fbem-29333	115	31	,	,	PUNCT
fbem-29333	115	32	and	and	CCONJ
fbem-29333	115	33	operational	operational	ADJ
fbem-29333	115	34	efficiency	efficiency	NOUN
fbem-29333	115	35	.	.	PUNCT
fbem-29333	116	1	this	this	DET
fbem-29333	116	2	transformation	transformation	NOUN
fbem-29333	116	3	not	not	PART
fbem-29333	116	4	only	only	ADV
fbem-29333	116	5	enhances	enhance	VERB
fbem-29333	116	6	the	the	DET
fbem-29333	116	7	bank	bank	NOUN
fbem-29333	116	8	's	's	PART
fbem-29333	116	9	ability	ability	NOUN
fbem-29333	116	10	to	to	PART
fbem-29333	116	11	manage	manage	VERB
fbem-29333	116	12	risks	risk	NOUN
fbem-29333	116	13	but	but	CCONJ
fbem-29333	116	14	also	also	ADV
fbem-29333	116	15	positions	position	VERB
fbem-29333	116	16	it	it	PRON
fbem-29333	116	17	as	as	ADP
fbem-29333	116	18	a	a	DET
fbem-29333	116	19	leader	leader	NOUN
fbem-29333	116	20	in	in	ADP
fbem-29333	116	21	the	the	DET
fbem-29333	116	22	increasingly	increasingly	ADV
fbem-29333	116	23	data	data	NOUN
fbem-29333	116	24	-	-	PUNCT
fbem-29333	116	25	driven	drive	VERB
fbem-29333	116	26	financial	financial	ADJ
fbem-29333	116	27	industry	industry	NOUN
fbem-29333	116	28	[	[	X
fbem-29333	116	29	10	10	NUM
fbem-29333	116	30	]	]	PUNCT
fbem-29333	116	31	.	.	PUNCT
fbem-29333	117	1	4.3	4.3	NUM
fbem-29333	117	2	.	.	PUNCT
fbem-29333	117	3	algorithmic	algorithmic	ADJ
fbem-29333	117	4	bias	bias	NOUN
fbem-29333	117	5	machine	machine	NOUN
fbem-29333	117	6	learning	learning	NOUN
fbem-29333	117	7	models	model	NOUN
fbem-29333	117	8	may	may	AUX
fbem-29333	117	9	inadvertently	inadvertently	ADV
fbem-29333	117	10	perpetuate	perpetuate	VERB
fbem-29333	117	11	biases	bias	NOUN
fbem-29333	117	12	present	present	ADJ
fbem-29333	117	13	in	in	ADP
fbem-29333	117	14	training	training	NOUN
fbem-29333	117	15	data	datum	NOUN
fbem-29333	117	16	,	,	PUNCT
fbem-29333	117	17	leading	lead	VERB
fbem-29333	117	18	to	to	ADP
fbem-29333	117	19	discriminatory	discriminatory	ADJ
fbem-29333	117	20	lending	lending	NOUN
fbem-29333	117	21	practices	practice	NOUN
fbem-29333	117	22	.	.	PUNCT
fbem-29333	118	1	addressing	address	VERB
fbem-29333	118	2	algorithmic	algorithmic	ADJ
fbem-29333	118	3	fairness	fairness	NOUN
fbem-29333	118	4	and	and	CCONJ
fbem-29333	118	5	transparency	transparency	NOUN
fbem-29333	118	6	is	be	AUX
fbem-29333	118	7	critical	critical	ADJ
fbem-29333	118	8	to	to	ADP
fbem-29333	118	9	ethical	ethical	ADJ
fbem-29333	118	10	big	big	ADJ
fbem-29333	118	11	data	data	NOUN
fbem-29333	118	12	usage	usage	NOUN
fbem-29333	118	13	in	in	ADP
fbem-29333	118	14	banking	banking	NOUN
fbem-29333	118	15	[	[	X
fbem-29333	118	16	11	11	NUM
fbem-29333	118	17	]	]	PUNCT
fbem-29333	118	18	.	.	PUNCT
fbem-29333	119	1	5	5	X
fbem-29333	119	2	.	.	PUNCT
fbem-29333	119	3	recommendations	recommendation	NOUN
fbem-29333	119	4	adopting	adopt	VERB
fbem-29333	119	5	ethical	ethical	ADJ
fbem-29333	119	6	guidelines	guideline	NOUN
fbem-29333	119	7	:	:	PUNCT
fbem-29333	119	8	financial	financial	ADJ
fbem-29333	119	9	institutions	institution	NOUN
fbem-29333	119	10	should	should	AUX
fbem-29333	119	11	develop	develop	VERB
fbem-29333	119	12	transparent	transparent	ADJ
fbem-29333	119	13	data	datum	NOUN
fbem-29333	119	14	governance	governance	NOUN
fbem-29333	119	15	frameworks	framework	NOUN
fbem-29333	119	16	,	,	PUNCT
fbem-29333	119	17	incorporating	incorporate	VERB
fbem-29333	119	18	fairness	fairness	NOUN
fbem-29333	119	19	and	and	CCONJ
fbem-29333	119	20	accountability	accountability	NOUN
fbem-29333	119	21	to	to	PART
fbem-29333	119	22	build	build	VERB
fbem-29333	119	23	consumer	consumer	NOUN
fbem-29333	119	24	trust	trust	NOUN
fbem-29333	120	1	[	[	X
fbem-29333	120	2	12	12	NUM
fbem-29333	120	3	]	]	PUNCT
fbem-29333	120	4	.	.	PUNCT
fbem-29333	121	1	investing	invest	VERB
fbem-29333	121	2	in	in	ADP
fbem-29333	121	3	scalable	scalable	ADJ
fbem-29333	121	4	infrastructure	infrastructure	NOUN
fbem-29333	121	5	:	:	PUNCT
fbem-29333	121	6	upgrading	upgrade	VERB
fbem-29333	121	7	to	to	ADP
fbem-29333	121	8	cloudbased	cloudbased	ADJ
fbem-29333	121	9	platforms	platform	NOUN
fbem-29333	121	10	can	can	AUX
fbem-29333	121	11	enhance	enhance	VERB
fbem-29333	121	12	scalability	scalability	NOUN
fbem-29333	121	13	and	and	CCONJ
fbem-29333	121	14	efficiency	efficiency	NOUN
fbem-29333	121	15	,	,	PUNCT
fbem-29333	121	16	enabling	enable	VERB
fbem-29333	121	17	seamless	seamless	ADJ
fbem-29333	121	18	data	data	NOUN
fbem-29333	121	19	integration	integration	NOUN
fbem-29333	121	20	and	and	CCONJ
fbem-29333	121	21	real	real	ADJ
fbem-29333	121	22	-	-	PUNCT
fbem-29333	121	23	time	time	NOUN
fbem-29333	121	24	analysis	analysis	NOUN
fbem-29333	121	25	.	.	PUNCT
fbem-29333	122	1	enhancing	enhance	VERB
fbem-29333	122	2	predictive	predictive	ADJ
fbem-29333	122	3	models	model	NOUN
fbem-29333	122	4	:	:	PUNCT
fbem-29333	122	5	leveraging	leverage	VERB
fbem-29333	122	6	ai	ai	NOUN
fbem-29333	122	7	technologies	technology	NOUN
fbem-29333	122	8	,	,	PUNCT
fbem-29333	122	9	such	such	ADJ
fbem-29333	122	10	as	as	ADP
fbem-29333	122	11	reinforcement	reinforcement	NOUN
fbem-29333	122	12	learning	learning	NOUN
fbem-29333	122	13	,	,	PUNCT
fbem-29333	122	14	can	can	AUX
fbem-29333	122	15	improve	improve	VERB
fbem-29333	122	16	the	the	DET
fbem-29333	122	17	accuracy	accuracy	NOUN
fbem-29333	122	18	of	of	ADP
fbem-29333	122	19	risk	risk	NOUN
fbem-29333	122	20	predictions	prediction	NOUN
fbem-29333	122	21	and	and	CCONJ
fbem-29333	122	22	early	early	ADJ
fbem-29333	122	23	warning	warning	NOUN
fbem-29333	122	24	systems	system	NOUN
fbem-29333	122	25	[	[	X
fbem-29333	122	26	13	13	NUM
fbem-29333	122	27	]	]	SYM
fbem-29333	122	28	.	.	PUNCT
fbem-29333	123	1	6	6	NUM
fbem-29333	123	2	.	.	X
fbem-29333	123	3	insufficient	insufficient	ADJ
fbem-29333	123	4	research	research	NOUN
fbem-29333	123	5	this	this	DET
fbem-29333	123	6	paper	paper	NOUN
fbem-29333	123	7	discusses	discuss	VERB
fbem-29333	123	8	the	the	DET
fbem-29333	123	9	advantages	advantage	NOUN
fbem-29333	123	10	and	and	CCONJ
fbem-29333	123	11	disadvantages	disadvantage	NOUN
fbem-29333	123	12	of	of	ADP
fbem-29333	123	13	big	big	ADJ
fbem-29333	123	14	data	datum	NOUN
fbem-29333	123	15	by	by	ADP
fbem-29333	123	16	means	mean	NOUN
fbem-29333	123	17	of	of	ADP
fbem-29333	123	18	comparison	comparison	NOUN
fbem-29333	123	19	and	and	CCONJ
fbem-29333	123	20	analogy	analogy	NOUN
fbem-29333	123	21	;	;	PUNCT
fbem-29333	123	22	however	however	ADV
fbem-29333	123	23	,	,	PUNCT
fbem-29333	123	24	the	the	DET
fbem-29333	123	25	shortcoming	shortcoming	NOUN
fbem-29333	123	26	of	of	ADP
fbem-29333	123	27	this	this	DET
fbem-29333	123	28	paper	paper	NOUN
fbem-29333	123	29	is	be	AUX
fbem-29333	123	30	that	that	SCONJ
fbem-29333	123	31	some	some	PRON
fbem-29333	123	32	of	of	ADP
fbem-29333	123	33	the	the	DET
fbem-29333	123	34	abovementioned	abovementione	VERB
fbem-29333	123	35	cases	case	NOUN
fbem-29333	123	36	are	be	AUX
fbem-29333	123	37	already	already	ADV
fbem-29333	123	38	in	in	ADP
fbem-29333	123	39	2020	2020	NUM
fbem-29333	123	40	or	or	CCONJ
fbem-29333	123	41	even	even	ADV
fbem-29333	123	42	earlier	early	ADV
fbem-29333	123	43	;	;	PUNCT
fbem-29333	123	44	the	the	DET
fbem-29333	123	45	amount	amount	NOUN
fbem-29333	123	46	we	we	PRON
fbem-29333	123	47	already	already	ADV
fbem-29333	123	48	know	know	VERB
fbem-29333	123	49	but	but	CCONJ
fbem-29333	123	50	can	can	AUX
fbem-29333	123	51	not	not	PART
fbem-29333	123	52	be	be	AUX
fbem-29333	123	53	compared	compare	VERB
fbem-29333	123	54	with	with	ADP
fbem-29333	123	55	the	the	DET
fbem-29333	123	56	current	current	ADJ
fbem-29333	123	57	case	case	NOUN
fbem-29333	123	58	because	because	SCONJ
fbem-29333	123	59	all	all	DET
fbem-29333	123	60	the	the	DET
fbem-29333	123	61	files	file	NOUN
fbem-29333	123	62	of	of	ADP
fbem-29333	123	63	the	the	DET
fbem-29333	123	64	ongoing	ongoing	ADJ
fbem-29333	123	65	investigation	investigation	NOUN
fbem-29333	123	66	can	can	AUX
fbem-29333	123	67	not	not	PART
fbem-29333	123	68	be	be	AUX
fbem-29333	123	69	disclosed	disclose	VERB
fbem-29333	123	70	to	to	ADP
fbem-29333	123	71	the	the	DET
fbem-29333	123	72	public	public	NOUN
fbem-29333	123	73	,	,	PUNCT
fbem-29333	123	74	which	which	PRON
fbem-29333	123	75	involves	involve	VERB
fbem-29333	123	76	confidentiality	confidentiality	NOUN
fbem-29333	123	77	issues	issue	NOUN
fbem-29333	123	78	;	;	PUNCT
fbem-29333	123	79	we	we	PRON
fbem-29333	123	80	can	can	AUX
fbem-29333	123	81	calculate	calculate	VERB
fbem-29333	123	82	the	the	DET
fbem-29333	123	83	number	number	NOUN
fbem-29333	123	84	of	of	ADP
fbem-29333	123	85	privacy	privacy	NOUN
fbem-29333	123	86	leaked	leak	VERB
fbem-29333	123	87	by	by	ADP
fbem-29333	123	88	citizens	citizen	NOUN
fbem-29333	123	89	in	in	ADP
fbem-29333	123	90	january	january	PROPN
fbem-29333	123	91	2020	2020	NUM
fbem-29333	123	92	and	and	CCONJ
fbem-29333	123	93	the	the	DET
fbem-29333	123	94	number	number	NOUN
fbem-29333	123	95	of	of	ADP
fbem-29333	123	96	leaked	leak	VERB
fbem-29333	123	97	citizens	citizen	NOUN
fbem-29333	123	98	in	in	ADP
fbem-29333	123	99	2022	2022	NUM
fbem-29333	123	100	is	be	AUX
fbem-29333	123	101	compared	compare	VERB
fbem-29333	123	102	accordingly	accordingly	ADV
fbem-29333	123	103	to	to	PART
fbem-29333	123	104	draw	draw	VERB
fbem-29333	123	105	conclusions	conclusion	NOUN
fbem-29333	123	106	.	.	PUNCT
fbem-29333	124	1	7	7	X
fbem-29333	124	2	.	.	X
fbem-29333	124	3	summary	summary	NOUN
fbem-29333	124	4	everything	everything	PRON
fbem-29333	124	5	has	have	VERB
fbem-29333	124	6	advantages	advantage	NOUN
fbem-29333	124	7	and	and	CCONJ
fbem-29333	124	8	disadvantages	disadvantage	NOUN
fbem-29333	124	9	.	.	PUNCT
fbem-29333	125	1	we	we	PRON
fbem-29333	125	2	ca	can	AUX
fbem-29333	125	3	n't	not	PART
fbem-29333	125	4	just	just	ADV
fbem-29333	125	5	look	look	VERB
fbem-29333	125	6	at	at	ADP
fbem-29333	125	7	its	its	PRON
fbem-29333	125	8	own	own	ADJ
fbem-29333	125	9	advantages	advantage	NOUN
fbem-29333	125	10	or	or	CCONJ
fbem-29333	125	11	its	its	PRON
fbem-29333	125	12	own	own	ADJ
fbem-29333	125	13	disadvantages	disadvantage	NOUN
fbem-29333	125	14	.	.	PUNCT
fbem-29333	126	1	big	big	ADJ
fbem-29333	126	2	data	datum	NOUN
fbem-29333	126	3	has	have	AUX
fbem-29333	126	4	been	be	AUX
fbem-29333	126	5	involved	involve	VERB
fbem-29333	126	6	in	in	ADP
fbem-29333	126	7	all	all	DET
fbem-29333	126	8	aspects	aspect	NOUN
fbem-29333	126	9	of	of	ADP
fbem-29333	126	10	people	people	NOUN
fbem-29333	126	11	's	's	PART
fbem-29333	126	12	production	production	NOUN
fbem-29333	126	13	and	and	CCONJ
fbem-29333	126	14	life	life	NOUN
fbem-29333	126	15	;	;	PUNCT
fbem-29333	126	16	although	although	SCONJ
fbem-29333	126	17	some	some	DET
fbem-29333	126	18	people	people	NOUN
fbem-29333	126	19	will	will	AUX
fbem-29333	126	20	think	think	VERB
fbem-29333	126	21	that	that	SCONJ
fbem-29333	126	22	the	the	DET
fbem-29333	126	23	advantages	advantage	NOUN
fbem-29333	126	24	of	of	ADP
fbem-29333	126	25	big	big	ADJ
fbem-29333	126	26	data	datum	NOUN
fbem-29333	126	27	outweigh	outweigh	VERB
fbem-29333	126	28	the	the	DET
fbem-29333	126	29	disadvantages	disadvantage	NOUN
fbem-29333	126	30	;	;	PUNCT
fbem-29333	126	31	and	and	CCONJ
fbem-29333	126	32	they	they	PRON
fbem-29333	126	33	will	will	AUX
fbem-29333	126	34	ignore	ignore	VERB
fbem-29333	126	35	its	its	PRON
fbem-29333	126	36	182	182	NUM
fbem-29333	126	37	own	own	ADJ
fbem-29333	126	38	disadvantages	disadvantage	NOUN
fbem-29333	126	39	in	in	ADP
fbem-29333	126	40	order	order	NOUN
fbem-29333	126	41	to	to	PART
fbem-29333	126	42	exaggerate	exaggerate	VERB
fbem-29333	126	43	the	the	DET
fbem-29333	126	44	advantages	advantage	NOUN
fbem-29333	126	45	of	of	ADP
fbem-29333	126	46	big	big	ADJ
fbem-29333	126	47	data	datum	NOUN
fbem-29333	126	48	.	.	PUNCT
fbem-29333	127	1	for	for	ADP
fbem-29333	127	2	example	example	NOUN
fbem-29333	127	3	,	,	PUNCT
fbem-29333	127	4	big	big	ADJ
fbem-29333	127	5	data	datum	NOUN
fbem-29333	127	6	can	can	AUX
fbem-29333	127	7	indeed	indeed	ADV
fbem-29333	127	8	bring	bring	VERB
fbem-29333	127	9	many	many	ADJ
fbem-29333	127	10	advantages	advantage	NOUN
fbem-29333	127	11	to	to	ADP
fbem-29333	127	12	banks	bank	NOUN
fbem-29333	127	13	.	.	PUNCT
fbem-29333	128	1	for	for	ADP
fbem-29333	128	2	example	example	NOUN
fbem-29333	128	3	,	,	PUNCT
fbem-29333	128	4	from	from	ADP
fbem-29333	128	5	the	the	DET
fbem-29333	128	6	examples	example	NOUN
fbem-29333	128	7	in	in	ADP
fbem-29333	128	8	this	this	DET
fbem-29333	128	9	article	article	NOUN
fbem-29333	128	10	,	,	PUNCT
fbem-29333	128	11	it	it	PRON
fbem-29333	128	12	can	can	AUX
fbem-29333	128	13	be	be	AUX
fbem-29333	128	14	seen	see	VERB
fbem-29333	128	15	that	that	SCONJ
fbem-29333	128	16	big	big	ADJ
fbem-29333	128	17	data	datum	NOUN
fbem-29333	128	18	can	can	AUX
fbem-29333	128	19	predict	predict	VERB
fbem-29333	128	20	the	the	DET
fbem-29333	128	21	potential	potential	ADJ
fbem-29333	128	22	risks	risk	NOUN
fbem-29333	128	23	of	of	ADP
fbem-29333	128	24	lenders	lender	NOUN
fbem-29333	128	25	(	(	PUNCT
fbem-29333	128	26	untrustworthy	untrustworthy	ADJ
fbem-29333	128	27	persons	person	NOUN
fbem-29333	128	28	;	;	PUNCT
fbem-29333	128	29	flagged	flag	VERB
fbem-29333	128	30	by	by	ADP
fbem-29333	128	31	public	public	ADJ
fbem-29333	128	32	security	security	NOUN
fbem-29333	128	33	organs	organ	NOUN
fbem-29333	128	34	or	or	CCONJ
fbem-29333	128	35	judicial	judicial	ADJ
fbem-29333	128	36	organs	organ	NOUN
fbem-29333	128	37	)	)	PUNCT
fbem-29333	128	38	.	.	PUNCT
fbem-29333	129	1	its	its	PRON
fbem-29333	129	2	advantages	advantage	NOUN
fbem-29333	129	3	can	can	AUX
fbem-29333	129	4	also	also	ADV
fbem-29333	129	5	help	help	VERB
fbem-29333	129	6	internal	internal	ADJ
fbem-29333	129	7	employees	employee	NOUN
fbem-29333	129	8	of	of	ADP
fbem-29333	129	9	the	the	DET
fbem-29333	129	10	bank	bank	NOUN
fbem-29333	129	11	to	to	PART
fbem-29333	129	12	recommend	recommend	VERB
fbem-29333	129	13	more	more	ADJ
fbem-29333	129	14	relevant	relevant	ADJ
fbem-29333	129	15	products	product	NOUN
fbem-29333	129	16	/	/	SYM
fbem-29333	129	17	accurate	accurate	ADJ
fbem-29333	129	18	marketing	marketing	NOUN
fbem-29333	129	19	to	to	ADP
fbem-29333	129	20	potential	potential	ADJ
fbem-29333	129	21	customers	customer	NOUN
fbem-29333	129	22	,	,	PUNCT
fbem-29333	129	23	and	and	CCONJ
fbem-29333	129	24	carry	carry	VERB
fbem-29333	129	25	out	out	ADP
fbem-29333	129	26	targeted	target	VERB
fbem-29333	129	27	marketing	marketing	NOUN
fbem-29333	129	28	based	base	VERB
fbem-29333	129	29	on	on	ADP
fbem-29333	129	30	information	information	NOUN
fbem-29333	129	31	such	such	ADJ
fbem-29333	129	32	as	as	ADP
fbem-29333	129	33	the	the	DET
fbem-29333	129	34	customer	customer	NOUN
fbem-29333	129	35	's	's	PART
fbem-29333	129	36	current	current	ADJ
fbem-29333	129	37	location	location	NOUN
fbem-29333	129	38	and	and	CCONJ
fbem-29333	129	39	the	the	DET
fbem-29333	129	40	customer	customer	NOUN
fbem-29333	129	41	's	's	PART
fbem-29333	129	42	latest	late	ADJ
fbem-29333	129	43	consumption	consumption	NOUN
fbem-29333	129	44	.	.	PUNCT
fbem-29333	130	1	pregnant	pregnant	ADJ
fbem-29333	130	2	women	woman	NOUN
fbem-29333	130	3	like	like	ADP
fbem-29333	130	4	businesses	business	NOUN
fbem-29333	130	5	)	)	PUNCT
fbem-29333	130	6	;	;	PUNCT
fbem-29333	130	7	or	or	CCONJ
fbem-29333	130	8	consider	consider	VERB
fbem-29333	130	9	life	life	NOUN
fbem-29333	130	10	-	-	PUNCT
fbem-29333	130	11	changing	change	VERB
fbem-29333	130	12	events	event	NOUN
fbem-29333	130	13	(	(	PUNCT
fbem-29333	130	14	changing	change	VERB
fbem-29333	130	15	jobs	job	NOUN
fbem-29333	130	16	,	,	PUNCT
fbem-29333	130	17	changing	change	VERB
fbem-29333	130	18	marital	marital	ADJ
fbem-29333	130	19	status	status	NOUN
fbem-29333	130	20	,	,	PUNCT
fbem-29333	130	21	buying	buy	VERB
fbem-29333	130	22	a	a	DET
fbem-29333	130	23	home	home	NOUN
fbem-29333	130	24	,	,	PUNCT
fbem-29333	130	25	etc	etc	X
fbem-29333	130	26	.	.	X
fbem-29333	130	27	)	)	PUNCT
fbem-29333	131	1	as	as	ADP
fbem-29333	131	2	marketing	marketing	NOUN
fbem-29333	131	3	opportunities	opportunity	NOUN
fbem-29333	131	4	[	[	X
fbem-29333	131	5	14	14	NUM
fbem-29333	131	6	]	]	PUNCT
fbem-29333	131	7	.	.	PUNCT
fbem-29333	132	1	at	at	ADP
fbem-29333	132	2	the	the	DET
fbem-29333	132	3	same	same	ADJ
fbem-29333	132	4	time	time	NOUN
fbem-29333	132	5	,	,	PUNCT
fbem-29333	132	6	banks	bank	NOUN
fbem-29333	132	7	can	can	AUX
fbem-29333	132	8	also	also	ADV
fbem-29333	132	9	use	use	VERB
fbem-29333	132	10	the	the	DET
fbem-29333	132	11	advantages	advantage	NOUN
fbem-29333	132	12	of	of	ADP
fbem-29333	132	13	big	big	ADJ
fbem-29333	132	14	data	datum	NOUN
fbem-29333	132	15	itself	itself	PRON
fbem-29333	132	16	to	to	PART
fbem-29333	132	17	reduce	reduce	VERB
fbem-29333	132	18	the	the	DET
fbem-29333	132	19	risk	risk	NOUN
fbem-29333	132	20	management	management	NOUN
fbem-29333	132	21	and	and	CCONJ
fbem-29333	132	22	control	control	NOUN
fbem-29333	132	23	of	of	ADP
fbem-29333	132	24	small	small	ADJ
fbem-29333	132	25	and	and	CCONJ
fbem-29333	132	26	medium	medium	ADJ
fbem-29333	132	27	-	-	PUNCT
fbem-29333	132	28	sized	sized	ADJ
fbem-29333	132	29	enterprises	enterprise	NOUN
fbem-29333	132	30	.	.	PUNCT
fbem-29333	133	1	banks	bank	NOUN
fbem-29333	133	2	can	can	AUX
fbem-29333	133	3	use	use	VERB
fbem-29333	133	4	big	big	ADJ
fbem-29333	133	5	data	datum	NOUN
fbem-29333	133	6	to	to	PART
fbem-29333	133	7	quantify	quantify	VERB
fbem-29333	133	8	the	the	DET
fbem-29333	133	9	credit	credit	NOUN
fbem-29333	133	10	limit	limit	NOUN
fbem-29333	133	11	of	of	ADP
fbem-29333	133	12	enterprises	enterprise	NOUN
fbem-29333	133	13	and	and	CCONJ
fbem-29333	133	14	provide	provide	VERB
fbem-29333	133	15	loan	loan	NOUN
fbem-29333	133	16	services	service	NOUN
fbem-29333	133	17	for	for	ADP
fbem-29333	133	18	smes	sme	NOUN
fbem-29333	133	19	more	more	ADV
fbem-29333	133	20	efficiently	efficiently	ADV
fbem-29333	133	21	.	.	PUNCT
fbem-29333	134	1	2	2	X
fbem-29333	134	2	)	)	PUNCT
fbem-29333	134	3	the	the	DET
fbem-29333	134	4	same	same	ADJ
fbem-29333	134	5	big	big	ADJ
fbem-29333	134	6	data	datum	NOUN
fbem-29333	134	7	can	can	AUX
fbem-29333	134	8	also	also	ADV
fbem-29333	134	9	conduct	conduct	VERB
fbem-29333	134	10	fraudulent	fraudulent	ADJ
fbem-29333	134	11	transaction	transaction	NOUN
fbem-29333	134	12	identification	identification	NOUN
fbem-29333	134	13	and	and	CCONJ
fbem-29333	134	14	antimoney	antimoney	NOUN
fbem-29333	134	15	laundering	laundering	NOUN
fbem-29333	134	16	analysis	analysis	NOUN
fbem-29333	134	17	in	in	ADP
fbem-29333	134	18	real	real	ADJ
fbem-29333	134	19	time	time	NOUN
fbem-29333	134	20	:	:	PUNCT
fbem-29333	134	21	banks	bank	NOUN
fbem-29333	134	22	can	can	AUX
fbem-29333	134	23	use	use	VERB
fbem-29333	134	24	cardholder	cardholder	VERB
fbem-29333	134	25	basic	basic	ADJ
fbem-29333	134	26	information	information	NOUN
fbem-29333	134	27	,	,	PUNCT
fbem-29333	134	28	card	card	NOUN
fbem-29333	134	29	basic	basic	ADJ
fbem-29333	134	30	information	information	NOUN
fbem-29333	134	31	,	,	PUNCT
fbem-29333	134	32	transaction	transaction	NOUN
fbem-29333	134	33	records	record	NOUN
fbem-29333	134	34	,	,	PUNCT
fbem-29333	134	35	customer	customer	NOUN
fbem-29333	134	36	historical	historical	ADJ
fbem-29333	134	37	behavior	behavior	NOUN
fbem-29333	134	38	patterns	pattern	NOUN
fbem-29333	134	39	,	,	PUNCT
fbem-29333	134	40	continuous	continuous	ADJ
fbem-29333	134	41	behavior	behavior	NOUN
fbem-29333	134	42	patterns	pattern	NOUN
fbem-29333	134	43	(	(	PUNCT
fbem-29333	134	44	such	such	ADJ
fbem-29333	134	45	as	as	ADP
fbem-29333	134	46	transfers	transfer	NOUN
fbem-29333	134	47	)	)	PUNCT
fbem-29333	134	48	,	,	PUNCT
fbem-29333	134	49	etc	etc	X
fbem-29333	134	50	.	.	X
fbem-29333	134	51	,	,	PUNCT
fbem-29333	134	52	combined	combine	VERB
fbem-29333	134	53	with	with	ADP
fbem-29333	134	54	intelligent	intelligent	ADJ
fbem-29333	134	55	rules	rule	NOUN
fbem-29333	134	56	to	to	ADP
fbem-29333	134	57	real	real	ADJ
fbem-29333	134	58	-	-	PUNCT
fbem-29333	134	59	time	time	NOUN
fbem-29333	134	60	transaction	transaction	NOUN
fbem-29333	134	61	provides	provide	VERB
fbem-29333	134	62	customers	customer	NOUN
fbem-29333	134	63	with	with	ADP
fbem-29333	134	64	an	an	DET
fbem-29333	134	65	anti	anti	ADJ
fbem-29333	134	66	-	-	ADJ
fbem-29333	134	67	fraud	fraud	ADJ
fbem-29333	134	68	analysis	analysis	NOUN
fbem-29333	134	69	engine	engine	NOUN
fbem-29333	134	70	.	.	PUNCT
fbem-29333	135	1	for	for	ADP
fbem-29333	135	2	example	example	NOUN
fbem-29333	135	3	,	,	PUNCT
fbem-29333	135	4	ibm	ibm	PROPN
fbem-29333	135	5	's	's	PART
fbem-29333	135	6	financial	financial	PROPN
fbem-29333	135	7	crime	crime	NOUN
fbem-29333	135	8	management	management	NOUN
fbem-29333	135	9	solution	solution	NOUN
fbem-29333	135	10	helps	help	VERB
fbem-29333	135	11	banks	bank	NOUN
fbem-29333	135	12	use	use	VERB
fbem-29333	135	13	big	big	ADJ
fbem-29333	135	14	data	datum	NOUN
fbem-29333	135	15	to	to	PART
fbem-29333	135	16	effectively	effectively	ADV
fbem-29333	135	17	prevent	prevent	VERB
fbem-29333	135	18	and	and	CCONJ
fbem-29333	135	19	manage	manage	VERB
fbem-29333	135	20	financial	financial	ADJ
fbem-29333	135	21	crimes	crime	NOUN
fbem-29333	135	22	,	,	PUNCT
fbem-29333	135	23	and	and	CCONJ
fbem-29333	135	24	jpmorgan	jpmorgan	PROPN
fbem-29333	135	25	chase	chase	PROPN
fbem-29333	135	26	uses	use	VERB
fbem-29333	135	27	big	big	ADJ
fbem-29333	135	28	data	datum	NOUN
fbem-29333	135	29	technology	technology	NOUN
fbem-29333	135	30	to	to	PART
fbem-29333	135	31	track	track	VERB
fbem-29333	135	32	and	and	CCONJ
fbem-29333	135	33	steal	steal	VERB
fbem-29333	135	34	customers	customer	NOUN
fbem-29333	135	35	’	'	PUNCT
fbem-29333	135	36	accounts	account	NOUN
fbem-29333	135	37	or	or	CCONJ
fbem-29333	135	38	criminals	criminal	NOUN
fbem-29333	135	39	hacking	hack	VERB
fbem-29333	135	40	into	into	ADP
fbem-29333	135	41	atm	atm	NOUN
fbem-29333	135	42	systems	system	NOUN
fbem-29333	135	43	"	"	PUNCT
fbem-29333	136	1	[	[	X
fbem-29333	136	2	8	8	NUM
fbem-29333	136	3	]	]	X
fbem-29333	136	4	big	big	ADJ
fbem-29333	136	5	data	datum	NOUN
fbem-29333	136	6	has	have	VERB
fbem-29333	136	7	many	many	ADJ
fbem-29333	136	8	,	,	PUNCT
fbem-29333	136	9	many	many	ADJ
fbem-29333	136	10	advantages	advantage	NOUN
fbem-29333	136	11	and	and	CCONJ
fbem-29333	136	12	the	the	DET
fbem-29333	136	13	same	same	ADJ
fbem-29333	136	14	disadvantages	disadvantage	NOUN
fbem-29333	136	15	as	as	ADV
fbem-29333	136	16	well	well	ADV
fbem-29333	136	17	.	.	PUNCT
fbem-29333	137	1	for	for	ADP
fbem-29333	137	2	example	example	NOUN
fbem-29333	137	3	,	,	PUNCT
fbem-29333	137	4	a	a	DET
fbem-29333	137	5	bank	bank	NOUN
fbem-29333	137	6	president	president	NOUN
fbem-29333	137	7	(	(	PUNCT
fbem-29333	137	8	background	background	NOUN
fbem-29333	137	9	is	be	AUX
fbem-29333	137	10	completely	completely	ADV
fbem-29333	137	11	clean	clean	ADJ
fbem-29333	137	12	)	)	PUNCT
fbem-29333	137	13	but	but	CCONJ
fbem-29333	137	14	because	because	SCONJ
fbem-29333	137	15	of	of	ADP
fbem-29333	137	16	personal	personal	ADJ
fbem-29333	137	17	selfishness	selfishness	NOUN
fbem-29333	137	18	and	and	CCONJ
fbem-29333	137	19	for	for	ADP
fbem-29333	137	20	others	other	NOUN
fbem-29333	137	21	seeking	seek	VERB
fbem-29333	137	22	illegal	illegal	ADJ
fbem-29333	137	23	benefits	benefit	NOUN
fbem-29333	137	24	(	(	PUNCT
fbem-29333	137	25	if	if	SCONJ
fbem-29333	137	26	a	a	DET
fbem-29333	137	27	person	person	NOUN
fbem-29333	137	28	wants	want	VERB
fbem-29333	137	29	another	another	DET
fbem-29333	137	30	person	person	NOUN
fbem-29333	137	31	's	's	PART
fbem-29333	137	32	personal	personal	ADJ
fbem-29333	137	33	information	information	NOUN
fbem-29333	137	34	;	;	PUNCT
fbem-29333	137	35	it	it	PRON
fbem-29333	137	36	happens	happen	VERB
fbem-29333	137	37	that	that	SCONJ
fbem-29333	137	38	this	this	DET
fbem-29333	137	39	person	person	NOUN
fbem-29333	137	40	has	have	AUX
fbem-29333	137	41	applied	apply	VERB
fbem-29333	137	42	for	for	ADP
fbem-29333	137	43	a	a	DET
fbem-29333	137	44	loan	loan	NOUN
fbem-29333	137	45	;	;	PUNCT
fbem-29333	137	46	then	then	ADV
fbem-29333	137	47	the	the	DET
fbem-29333	137	48	bank	bank	NOUN
fbem-29333	137	49	's	's	PART
fbem-29333	137	50	internal	internal	ADJ
fbem-29333	137	51	network	network	NOUN
fbem-29333	137	52	can	can	AUX
fbem-29333	137	53	easily	easily	ADV
fbem-29333	137	54	find	find	VERB
fbem-29333	137	55	the	the	DET
fbem-29333	137	56	person	person	NOUN
fbem-29333	137	57	's	's	PART
fbem-29333	137	58	home	home	NOUN
fbem-29333	137	59	address	address	NOUN
fbem-29333	137	60	;	;	PUNCT
fbem-29333	137	61	i	i	PROPN
fbem-29333	137	62	d	d	PROPN
fbem-29333	137	63	card	card	NOUN
fbem-29333	137	64	information	information	NOUN
fbem-29333	137	65	,	,	PUNCT
fbem-29333	137	66	etc	etc	X
fbem-29333	137	67	.	.	X
fbem-29333	137	68	)	)	PUNCT
fbem-29333	138	1	there	there	PRON
fbem-29333	138	2	is	be	VERB
fbem-29333	138	3	no	no	DET
fbem-29333	138	4	way	way	NOUN
fbem-29333	138	5	to	to	PART
fbem-29333	138	6	make	make	VERB
fbem-29333	138	7	a	a	DET
fbem-29333	138	8	prediction	prediction	NOUN
fbem-29333	138	9	with	with	ADP
fbem-29333	138	10	big	big	ADJ
fbem-29333	138	11	data	datum	NOUN
fbem-29333	138	12	.	.	PUNCT
fbem-29333	139	1	so	so	ADV
fbem-29333	139	2	how	how	SCONJ
fbem-29333	139	3	we	we	PRON
fbem-29333	139	4	increase	increase	VERB
fbem-29333	139	5	the	the	DET
fbem-29333	139	6	advantages	advantage	NOUN
fbem-29333	139	7	of	of	ADP
fbem-29333	139	8	big	big	ADJ
fbem-29333	139	9	data	datum	NOUN
fbem-29333	139	10	and	and	CCONJ
fbem-29333	139	11	how	how	SCONJ
fbem-29333	139	12	to	to	PART
fbem-29333	139	13	curb	curb	VERB
fbem-29333	139	14	the	the	DET
fbem-29333	139	15	disadvantages	disadvantage	NOUN
fbem-29333	139	16	of	of	ADP
fbem-29333	139	17	big	big	ADJ
fbem-29333	139	18	data	datum	NOUN
fbem-29333	139	19	will	will	AUX
fbem-29333	139	20	be	be	AUX
fbem-29333	139	21	our	our	PRON
fbem-29333	139	22	next	next	ADJ
fbem-29333	139	23	reform	reform	NOUN
fbem-29333	139	24	8	8	NUM
fbem-29333	139	25	.	.	PUNCT
fbem-29333	140	1	conclusion	conclusion	NOUN
fbem-29333	140	2	big	big	ADJ
fbem-29333	140	3	data	datum	NOUN
fbem-29333	140	4	has	have	AUX
fbem-29333	140	5	revolutionized	revolutionize	VERB
fbem-29333	140	6	bank	bank	NOUN
fbem-29333	140	7	loan	loan	NOUN
fbem-29333	140	8	risk	risk	NOUN
fbem-29333	140	9	management	management	NOUN
fbem-29333	140	10	,	,	PUNCT
fbem-29333	140	11	offering	offer	VERB
fbem-29333	140	12	tools	tool	NOUN
fbem-29333	140	13	to	to	PART
fbem-29333	140	14	detect	detect	VERB
fbem-29333	140	15	early	early	ADJ
fbem-29333	140	16	warning	warning	NOUN
fbem-29333	140	17	signs	sign	NOUN
fbem-29333	140	18	,	,	PUNCT
fbem-29333	140	19	monitor	monitor	VERB
fbem-29333	140	20	guarantee	guarantee	NOUN
fbem-29333	140	21	circles	circle	NOUN
fbem-29333	140	22	,	,	PUNCT
fbem-29333	140	23	and	and	CCONJ
fbem-29333	140	24	prevent	prevent	VERB
fbem-29333	140	25	fraud	fraud	NOUN
fbem-29333	140	26	.	.	PUNCT
fbem-29333	141	1	however	however	ADV
fbem-29333	141	2	,	,	PUNCT
fbem-29333	141	3	its	its	PRON
fbem-29333	141	4	application	application	NOUN
fbem-29333	141	5	is	be	AUX
fbem-29333	141	6	not	not	PART
fbem-29333	141	7	without	without	ADP
fbem-29333	141	8	challenges	challenge	NOUN
fbem-29333	141	9	,	,	PUNCT
fbem-29333	141	10	including	include	VERB
fbem-29333	141	11	privacy	privacy	NOUN
fbem-29333	141	12	concerns	concern	NOUN
fbem-29333	141	13	,	,	PUNCT
fbem-29333	141	14	scalability	scalability	NOUN
fbem-29333	141	15	issues	issue	NOUN
fbem-29333	141	16	,	,	PUNCT
fbem-29333	141	17	and	and	CCONJ
fbem-29333	141	18	ethical	ethical	ADJ
fbem-29333	141	19	considerations	consideration	NOUN
fbem-29333	141	20	.	.	PUNCT
fbem-29333	142	1	by	by	ADP
fbem-29333	142	2	adopting	adopt	VERB
fbem-29333	142	3	robust	robust	ADJ
fbem-29333	142	4	governance	governance	NOUN
fbem-29333	142	5	frameworks	framework	NOUN
fbem-29333	142	6	,	,	PUNCT
fbem-29333	142	7	scalable	scalable	ADJ
fbem-29333	142	8	infrastructure	infrastructure	NOUN
fbem-29333	142	9	,	,	PUNCT
fbem-29333	142	10	and	and	CCONJ
fbem-29333	142	11	advanced	advanced	ADJ
fbem-29333	142	12	analytics	analytic	NOUN
fbem-29333	142	13	,	,	PUNCT
fbem-29333	142	14	banks	bank	NOUN
fbem-29333	142	15	can	can	AUX
fbem-29333	142	16	maximize	maximize	VERB
fbem-29333	142	17	the	the	DET
fbem-29333	142	18	potential	potential	NOUN
fbem-29333	142	19	of	of	ADP
fbem-29333	142	20	big	big	ADJ
fbem-29333	142	21	data	datum	NOUN
fbem-29333	142	22	while	while	SCONJ
fbem-29333	142	23	addressing	address	VERB
fbem-29333	142	24	its	its	PRON
fbem-29333	142	25	limitations	limitation	NOUN
fbem-29333	142	26	.	.	PUNCT
fbem-29333	143	1	references	reference	NOUN
fbem-29333	143	2	[	[	X
fbem-29333	143	3	1	1	NUM
fbem-29333	143	4	]	]	X
fbem-29333	143	5	laney	laney	PROPN
fbem-29333	143	6	,	,	PUNCT
fbem-29333	143	7	d.	d.	PROPN
fbem-29333	143	8	(	(	PUNCT
fbem-29333	143	9	2001	2001	NUM
fbem-29333	143	10	)	)	PUNCT
fbem-29333	143	11	.	.	PUNCT
fbem-29333	144	1	3d	3d	PROPN
fbem-29333	144	2	data	datum	NOUN
fbem-29333	144	3	management	management	NOUN
fbem-29333	144	4	:	:	PUNCT
fbem-29333	144	5	controlling	control	VERB
fbem-29333	144	6	data	datum	NOUN
fbem-29333	144	7	volume	volume	NOUN
fbem-29333	144	8	,	,	PUNCT
fbem-29333	144	9	velocity	velocity	NOUN
fbem-29333	144	10	,	,	PUNCT
fbem-29333	144	11	and	and	CCONJ
fbem-29333	144	12	variety	variety	NOUN
fbem-29333	144	13	.	.	PUNCT
fbem-29333	145	1	meta	meta	PROPN
fbem-29333	145	2	group	group	NOUN
fbem-29333	145	3	,	,	PUNCT
fbem-29333	145	4	949	949	NUM
fbem-29333	145	5	.	.	PUNCT
fbem-29333	146	1	[	[	X
fbem-29333	146	2	2	2	NUM
fbem-29333	146	3	]	]	PUNCT
fbem-29333	146	4	f.	f.	NOUN
fbem-29333	146	5	provost	provost	PROPN
fbem-29333	146	6	and	and	CCONJ
fbem-29333	146	7	t.	t.	PROPN
fbem-29333	146	8	fawcett	fawcett	PROPN
fbem-29333	146	9	.	.	PUNCT
fbem-29333	147	1	(	(	PUNCT
fbem-29333	147	2	2013	2013	NUM
fbem-29333	147	3	)	)	PUNCT
fbem-29333	147	4	data	datum	NOUN
fbem-29333	147	5	science	science	NOUN
fbem-29333	147	6	and	and	CCONJ
fbem-29333	147	7	its	its	PRON
fbem-29333	147	8	relationship	relationship	NOUN
fbem-29333	147	9	to	to	ADP
fbem-29333	147	10	big	big	ADJ
fbem-29333	147	11	data	datum	NOUN
fbem-29333	147	12	and	and	CCONJ
fbem-29333	147	13	data	datum	NOUN
fbem-29333	147	14	-	-	PUNCT
fbem-29333	147	15	driven	drive	VERB
fbem-29333	147	16	decision	decision	NOUN
fbem-29333	147	17	making	making	NOUN
fbem-29333	147	18	.	.	PUNCT
fbem-29333	148	1	big	big	ADJ
fbem-29333	148	2	data	datum	NOUN
fbem-29333	148	3	,	,	PUNCT
fbem-29333	148	4	1(1	1(1	NUM
fbem-29333	148	5	)	)	PUNCT
fbem-29333	148	6	,	,	PUNCT
fbem-29333	148	7	41	41	NUM
fbem-29333	148	8	-	-	SYM
fbem-29333	148	9	43	43	NUM
fbem-29333	148	10	.	.	PUNCT
fbem-29333	149	1	[	[	X
fbem-29333	149	2	3	3	NUM
fbem-29333	149	3	]	]	X
fbem-29333	149	4	zhu	zhu	PROPN
fbem-29333	149	5	,	,	PUNCT
fbem-29333	149	6	l.	l.	PROPN
fbem-29333	149	7	(	(	PUNCT
fbem-29333	149	8	2016	2016	NUM
fbem-29333	149	9	)	)	PUNCT
fbem-29333	149	10	china	china	PROPN
fbem-29333	149	11	construction	construction	PROPN
fbem-29333	149	12	bank	bank	PROPN
fbem-29333	149	13	corporation	corporation	PROPN
fbem-29333	149	14	limited	limit	VERB
fbem-29333	149	15	.	.	PUNCT
fbem-29333	150	1	http://www.cfc365.com/technology/bigdata/2016-0606/13859.shtml	http://www.cfc365.com/technology/bigdata/2016-0606/13859.shtml	PROPN
fbem-29333	151	1	[	[	X
fbem-29333	151	2	4	4	NUM
fbem-29333	151	3	]	]	X
fbem-29333	151	4	zhang	zhang	PROPN
fbem-29333	151	5	,	,	PUNCT
fbem-29333	151	6	l.	l.	PROPN
fbem-29333	151	7	,	,	PUNCT
fbem-29333	151	8	et	et	PROPN
fbem-29333	151	9	al	al	PROPN
fbem-29333	151	10	.	.	PROPN
fbem-29333	151	11	(	(	PUNCT
fbem-29333	151	12	2021	2021	NUM
fbem-29333	151	13	)	)	PUNCT
fbem-29333	151	14	.	.	PUNCT
fbem-29333	152	1	fraud	fraud	NOUN
fbem-29333	152	2	detection	detection	NOUN
fbem-29333	152	3	using	use	VERB
fbem-29333	152	4	neural	neural	ADJ
fbem-29333	152	5	networks	network	NOUN
fbem-29333	152	6	in	in	ADP
fbem-29333	152	7	the	the	DET
fbem-29333	152	8	banking	banking	NOUN
fbem-29333	152	9	sector	sector	NOUN
fbem-29333	152	10	.	.	PUNCT
fbem-29333	153	1	expert	expert	NOUN
fbem-29333	153	2	systems	system	NOUN
fbem-29333	153	3	with	with	ADP
fbem-29333	153	4	applications	application	NOUN
fbem-29333	153	5	,	,	PUNCT
fbem-29333	153	6	168	168	NUM
fbem-29333	153	7	,	,	PUNCT
fbem-29333	153	8	114	114	NUM
fbem-29333	153	9	-	-	SYM
fbem-29333	153	10	123	123	NUM
fbem-29333	153	11	.	.	PUNCT
fbem-29333	154	1	[	[	X
fbem-29333	154	2	5	5	NUM
fbem-29333	154	3	]	]	X
fbem-29333	154	4	huang	huang	PROPN
fbem-29333	154	5	,	,	PUNCT
fbem-29333	154	6	y.	y.	PROPN
fbem-29333	154	7	,	,	PUNCT
fbem-29333	154	8	et	et	PROPN
fbem-29333	154	9	al	al	PROPN
fbem-29333	154	10	.	.	PROPN
fbem-29333	154	11	(	(	PUNCT
fbem-29333	154	12	2019	2019	NUM
fbem-29333	154	13	)	)	PUNCT
fbem-29333	154	14	.	.	PUNCT
fbem-29333	155	1	big	big	ADJ
fbem-29333	155	2	data	datum	NOUN
fbem-29333	155	3	applications	application	NOUN
fbem-29333	155	4	in	in	ADP
fbem-29333	155	5	financial	financial	ADJ
fbem-29333	155	6	risk	risk	NOUN
fbem-29333	155	7	management	management	NOUN
fbem-29333	155	8	.	.	PUNCT
fbem-29333	156	1	journal	journal	NOUN
fbem-29333	156	2	of	of	ADP
fbem-29333	156	3	financial	financial	ADJ
fbem-29333	156	4	analytics	analytic	NOUN
fbem-29333	156	5	,	,	PUNCT
fbem-29333	156	6	10(3	10(3	NUM
fbem-29333	156	7	)	)	PUNCT
fbem-29333	156	8	,	,	PUNCT
fbem-29333	156	9	56	56	NUM
fbem-29333	156	10	-	-	SYM
fbem-29333	156	11	72	72	NUM
fbem-29333	156	12	.	.	PUNCT
fbem-29333	157	1	[	[	X
fbem-29333	157	2	6	6	NUM
fbem-29333	157	3	]	]	PUNCT
fbem-29333	157	4	brynjolfsson	brynjolfsson	PROPN
fbem-29333	157	5	,	,	PUNCT
fbem-29333	157	6	e.	e.	PROPN
fbem-29333	157	7	,	,	PUNCT
fbem-29333	157	8	&	&	CCONJ
fbem-29333	157	9	mcelheran	mcelheran	PROPN
fbem-29333	157	10	,	,	PUNCT
fbem-29333	157	11	k.	k.	PROPN
fbem-29333	157	12	(	(	PUNCT
fbem-29333	157	13	2016	2016	NUM
fbem-29333	157	14	)	)	PUNCT
fbem-29333	157	15	.	.	PUNCT
fbem-29333	158	1	data	datum	NOUN
fbem-29333	158	2	in	in	ADP
fbem-29333	158	3	action	action	NOUN
fbem-29333	158	4	:	:	PUNCT
fbem-29333	158	5	data	data	NOUN
fbem-29333	158	6	-	-	PUNCT
fbem-29333	158	7	driven	drive	VERB
fbem-29333	158	8	decision	decision	NOUN
fbem-29333	158	9	-	-	PUNCT
fbem-29333	158	10	making	make	VERB
fbem-29333	158	11	and	and	CCONJ
fbem-29333	158	12	predictive	predictive	ADJ
fbem-29333	158	13	analytics	analytic	NOUN
fbem-29333	158	14	.	.	PUNCT
fbem-29333	159	1	management	management	NOUN
fbem-29333	159	2	science	science	NOUN
fbem-29333	159	3	,	,	PUNCT
fbem-29333	159	4	62(5	62(5	NOUN
fbem-29333	159	5	)	)	PUNCT
fbem-29333	159	6	,	,	PUNCT
fbem-29333	159	7	10	10	NUM
fbem-29333	159	8	-	-	SYM
fbem-29333	159	9	25	25	NUM
fbem-29333	159	10	.	.	PUNCT
fbem-29333	160	1	[	[	X
fbem-29333	160	2	7	7	NUM
fbem-29333	160	3	]	]	X
fbem-29333	160	4	floridi	floridi	ADJ
fbem-29333	160	5	,	,	PUNCT
fbem-29333	160	6	l.	l.	PROPN
fbem-29333	160	7	,	,	PUNCT
fbem-29333	160	8	et	et	PROPN
fbem-29333	160	9	al	al	PROPN
fbem-29333	160	10	.	.	PUNCT
fbem-29333	161	1	(	(	PUNCT
fbem-29333	161	2	2018	2018	NUM
fbem-29333	161	3	)	)	PUNCT
fbem-29333	161	4	.	.	PUNCT
fbem-29333	162	1	ai4people	ai4people	ADJ
fbem-29333	162	2	—	—	PUNCT
fbem-29333	162	3	an	an	DET
fbem-29333	162	4	ethical	ethical	ADJ
fbem-29333	162	5	framework	framework	NOUN
fbem-29333	162	6	for	for	ADP
fbem-29333	162	7	a	a	DET
fbem-29333	162	8	good	good	ADJ
fbem-29333	162	9	ai	ai	INTJ
fbem-29333	162	10	society	society	NOUN
fbem-29333	162	11	.	.	PUNCT
fbem-29333	163	1	minds	mind	NOUN
fbem-29333	163	2	and	and	CCONJ
fbem-29333	163	3	machines	machine	NOUN
fbem-29333	163	4	,	,	PUNCT
fbem-29333	163	5	28(4	28(4	NUM
fbem-29333	163	6	)	)	PUNCT
fbem-29333	163	7	,	,	PUNCT
fbem-29333	163	8	689	689	NUM
fbem-29333	163	9	-	-	SYM
fbem-29333	163	10	707	707	NUM
fbem-29333	163	11	.	.	PUNCT
fbem-29333	164	1	[	[	X
fbem-29333	164	2	8	8	NUM
fbem-29333	164	3	]	]	SYM
fbem-29333	164	4	xu	xu	PROPN
fbem-29333	164	5	,	,	PUNCT
fbem-29333	164	6	l.	l.	PROPN
fbem-29333	164	7	(	(	PUNCT
fbem-29333	164	8	2017	2017	NUM
fbem-29333	164	9	)	)	PUNCT
fbem-29333	164	10	small	small	ADJ
fbem-29333	164	11	and	and	CCONJ
fbem-29333	164	12	micro	micro	ADJ
fbem-29333	164	13	finance	finance	NOUN
fbem-29333	164	14	under	under	ADP
fbem-29333	164	15	big	big	ADJ
fbem-29333	164	16	data	datum	NOUN
fbem-29333	164	17	technology	technology	NOUN
fbem-29333	164	18	serves	serve	VERB
fbem-29333	164	19	product	product	NOUN
fbem-29333	164	20	innovation	innovation	NOUN
fbem-29333	164	21	.	.	PUNCT
fbem-29333	165	1	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/2019	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/2019	PROPN
fbem-29333	165	2	06/699011.html	06/699011.html	NUM
fbem-29333	165	3	.	.	PUNCT
fbem-29333	166	1	[	[	X
fbem-29333	166	2	9	9	NUM
fbem-29333	166	3	]	]	SYM
fbem-29333	166	4	chen	chen	PROPN
fbem-29333	166	5	,	,	PUNCT
fbem-29333	166	6	h.	h.	PROPN
fbem-29333	166	7	,	,	PUNCT
fbem-29333	166	8	chiang	chiang	PROPN
fbem-29333	166	9	,	,	PUNCT
fbem-29333	166	10	r.	r.	PROPN
fbem-29333	166	11	h.	h.	PROPN
fbem-29333	166	12	l.	l.	PROPN
fbem-29333	166	13	,	,	PUNCT
fbem-29333	166	14	&	&	CCONJ
fbem-29333	166	15	storey	storey	PROPN
fbem-29333	166	16	,	,	PUNCT
fbem-29333	166	17	v.	v.	PROPN
fbem-29333	166	18	c.	c.	PROPN
fbem-29333	166	19	(	(	PUNCT
fbem-29333	166	20	2012	2012	NUM
fbem-29333	166	21	)	)	PUNCT
fbem-29333	166	22	.	.	PUNCT
fbem-29333	167	1	business	business	NOUN
fbem-29333	167	2	intelligence	intelligence	PROPN
fbem-29333	167	3	and	and	CCONJ
fbem-29333	167	4	analytics	analytic	NOUN
fbem-29333	167	5	:	:	PUNCT
fbem-29333	167	6	from	from	ADP
fbem-29333	167	7	big	big	ADJ
fbem-29333	167	8	data	datum	NOUN
fbem-29333	167	9	to	to	ADP
fbem-29333	167	10	big	big	ADJ
fbem-29333	167	11	impact	impact	NOUN
fbem-29333	167	12	.	.	PUNCT
fbem-29333	168	1	mis	mis	PROPN
fbem-29333	168	2	quarterly	quarterly	PROPN
fbem-29333	168	3	,	,	PUNCT
fbem-29333	168	4	36(4	36(4	NUM
fbem-29333	168	5	)	)	PUNCT
fbem-29333	168	6	,	,	PUNCT
fbem-29333	168	7	1165	1165	NUM
fbem-29333	168	8	-	-	SYM
fbem-29333	168	9	1188	1188	NUM
fbem-29333	168	10	.	.	PUNCT
fbem-29333	169	1	[	[	X
fbem-29333	169	2	10	10	NUM
fbem-29333	169	3	]	]	X
fbem-29333	169	4	barocas	baroca	NOUN
fbem-29333	169	5	,	,	PUNCT
fbem-29333	169	6	s.	s.	PROPN
fbem-29333	169	7	,	,	PUNCT
fbem-29333	169	8	hardt	hardt	PROPN
fbem-29333	169	9	,	,	PUNCT
fbem-29333	169	10	m.	m.	NOUN
fbem-29333	169	11	,	,	PUNCT
fbem-29333	169	12	&	&	CCONJ
fbem-29333	169	13	narayanan	narayanan	PROPN
fbem-29333	169	14	,	,	PUNCT
fbem-29333	169	15	a.	a.	PROPN
fbem-29333	169	16	(	(	PUNCT
fbem-29333	169	17	2019	2019	NUM
fbem-29333	169	18	)	)	PUNCT
fbem-29333	169	19	.	.	PUNCT
fbem-29333	170	1	fairness	fairness	NOUN
fbem-29333	170	2	and	and	CCONJ
fbem-29333	170	3	machine	machine	NOUN
fbem-29333	170	4	learning	learning	NOUN
fbem-29333	170	5	.	.	PUNCT
fbem-29333	171	1	mit	mit	PROPN
fbem-29333	171	2	press	press	PROPN
fbem-29333	171	3	,	,	PUNCT
fbem-29333	171	4	cambridge	cambridge	PROPN
fbem-29333	171	5	.	.	PUNCT
fbem-29333	172	1	[	[	X
fbem-29333	172	2	11	11	NUM
fbem-29333	172	3	]	]	X
fbem-29333	172	4	kitchin	kitchin	PROPN
fbem-29333	172	5	,	,	PUNCT
fbem-29333	172	6	r.	r.	PROPN
fbem-29333	172	7	(	(	PUNCT
fbem-29333	172	8	2014	2014	NUM
fbem-29333	172	9	)	)	PUNCT
fbem-29333	172	10	.	.	PUNCT
fbem-29333	173	1	big	big	ADJ
fbem-29333	173	2	data	data	PROPN
fbem-29333	173	3	,	,	PUNCT
fbem-29333	173	4	new	new	ADJ
fbem-29333	173	5	epistemologies	epistemology	NOUN
fbem-29333	173	6	and	and	CCONJ
fbem-29333	173	7	paradigm	paradigm	NOUN
fbem-29333	173	8	shifts	shift	NOUN
fbem-29333	173	9	.	.	PUNCT
fbem-29333	174	1	big	big	ADJ
fbem-29333	174	2	data	datum	NOUN
fbem-29333	174	3	&	&	CCONJ
fbem-29333	174	4	society	society	NOUN
fbem-29333	174	5	,	,	PUNCT
fbem-29333	174	6	1(1	1(1	NUM
fbem-29333	174	7	)	)	PUNCT
fbem-29333	174	8	,	,	PUNCT
fbem-29333	174	9	1	1	NUM
fbem-29333	174	10	-	-	SYM
fbem-29333	174	11	12	12	NUM
fbem-29333	174	12	.	.	PUNCT
fbem-29333	175	1	[	[	X
fbem-29333	175	2	12	12	NUM
fbem-29333	175	3	]	]	X
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fbem-29333	175	5	,	,	PUNCT
fbem-29333	175	6	d.	d.	PROPN
fbem-29333	175	7	,	,	PUNCT
fbem-29333	175	8	et	et	PROPN
fbem-29333	175	9	al	al	PROPN
fbem-29333	175	10	.	.	PUNCT
fbem-29333	175	11	(	(	PUNCT
fbem-29333	175	12	2016	2016	NUM
fbem-29333	175	13	)	)	PUNCT
fbem-29333	175	14	.	.	PUNCT
fbem-29333	176	1	mastering	master	VERB
fbem-29333	176	2	the	the	DET
fbem-29333	176	3	game	game	NOUN
fbem-29333	176	4	of	of	ADP
fbem-29333	176	5	go	go	NOUN
fbem-29333	176	6	with	with	ADP
fbem-29333	176	7	deep	deep	ADJ
fbem-29333	176	8	reinforcement	reinforcement	NOUN
fbem-29333	176	9	learning	learning	NOUN
fbem-29333	176	10	.	.	PUNCT
fbem-29333	177	1	nature	nature	NOUN
fbem-29333	177	2	,	,	PUNCT
fbem-29333	177	3	529(7587	529(7587	NUM
fbem-29333	177	4	)	)	PUNCT
fbem-29333	177	5	,	,	PUNCT
fbem-29333	177	6	484	484	NUM
fbem-29333	177	7	-	-	SYM
fbem-29333	177	8	489	489	NUM
fbem-29333	177	9	[	[	X
fbem-29333	177	10	13	13	NUM
fbem-29333	177	11	]	]	X
fbem-29333	177	12	wang	wang	PROPN
fbem-29333	177	13	,	,	PUNCT
fbem-29333	177	14	j.	j.	PROPN
fbem-29333	177	15	,	,	PUNCT
fbem-29333	177	16	et	et	PROPN
fbem-29333	177	17	al	al	PROPN
fbem-29333	177	18	.	.	PROPN
fbem-29333	177	19	(	(	PUNCT
fbem-29333	177	20	2020	2020	NUM
fbem-29333	177	21	)	)	PUNCT
fbem-29333	177	22	.	.	PUNCT
fbem-29333	178	1	predictive	predictive	ADJ
fbem-29333	178	2	analytics	analytic	NOUN
fbem-29333	178	3	in	in	ADP
fbem-29333	178	4	banking	banking	NOUN
fbem-29333	178	5	:	:	PUNCT
fbem-29333	178	6	a	a	DET
fbem-29333	178	7	case	case	NOUN
fbem-29333	178	8	study	study	NOUN
fbem-29333	178	9	of	of	ADP
fbem-29333	178	10	loan	loan	NOUN
fbem-29333	178	11	risk	risk	NOUN
fbem-29333	178	12	assessment	assessment	NOUN
fbem-29333	178	13	.	.	PUNCT
fbem-29333	179	1	journal	journal	NOUN
fbem-29333	179	2	of	of	ADP
fbem-29333	179	3	banking	banking	NOUN
fbem-29333	179	4	&	&	CCONJ
fbem-29333	179	5	finance	finance	PROPN
fbem-29333	179	6	,	,	PUNCT
fbem-29333	179	7	125	125	NUM
fbem-29333	179	8	,	,	PUNCT
fbem-29333	179	9	105	105	NUM
fbem-29333	179	10	-	-	SYM
fbem-29333	179	11	112	112	NUM
fbem-29333	179	12	.	.	PUNCT
fbem-29333	180	1	[	[	X
fbem-29333	180	2	14	14	NUM
fbem-29333	180	3	]	]	X
fbem-29333	180	4	economic	economic	ADJ
fbem-29333	180	5	daily	daily	NOUN
fbem-29333	180	6	.	.	PUNCT
fbem-29333	181	1	(	(	PUNCT
fbem-29333	181	2	2019	2019	NUM
fbem-29333	181	3	)	)	PUNCT
fbem-29333	181	4	the	the	DET
fbem-29333	181	5	central	central	ADJ
fbem-29333	181	6	people	people	NOUN
fbem-29333	181	7	's	's	PART
fbem-29333	181	8	government	government	NOUN
fbem-29333	181	9	of	of	ADP
fbem-29333	181	10	china	china	PROPN
fbem-29333	181	11	puts	put	VERB
fbem-29333	181	12	a	a	DET
fbem-29333	181	13	lock	lock	NOUN
fbem-29333	181	14	on	on	ADP
fbem-29333	181	15	personal	personal	ADJ
fbem-29333	181	16	data	datum	NOUN
fbem-29333	181	17	security	security	NOUN
fbem-29333	181	18	.	.	PUNCT
fbem-29333	182	1	https://www.gov.cn/zhengce/201906/04/content_5397213.htm	https://www.gov.cn/zhengce/201906/04/content_5397213.htm	PROPN
fbem-29333	182	2	http://www.cfc365.com/technology/bigdata/2016-06-06/13859.shtml	http://www.cfc365.com/technology/bigdata/2016-06-06/13859.shtml	AUX
fbem-29333	182	3	http://www.cfc365.com/technology/bigdata/2016-06-06/13859.shtml	http://www.cfc365.com/technology/bigdata/2016-06-06/13859.shtml	PROPN
fbem-29333	182	4	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/201906/699011.html	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/201906/699011.html	PROPN
fbem-29333	182	5	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/201906/699011.html	https://www.gwyoo.com/lunwen/yinhanglunwen/shfzlw/201906/699011.html	X
fbem-29333	182	6	https://www.gov.cn/zhengce/2019-06/04/content_5397213.htm	https://www.gov.cn/zhengce/2019-06/04/content_5397213.htm	X
fbem-29333	182	7	https://www.gov.cn/zhengce/2019-06/04/content_5397213.htm	https://www.gov.cn/zhengce/2019-06/04/content_5397213.htm	PUNCT