id	sid	tid	token	lemma	pos
fbem-31942	1	1	frontiers	frontier	NOUN
fbem-31942	1	2	in	in	ADP
fbem-31942	1	3	business	business	NOUN
fbem-31942	1	4	,	,	PUNCT
fbem-31942	1	5	economics	economic	NOUN
fbem-31942	1	6	and	and	CCONJ
fbem-31942	1	7	management	management	NOUN
fbem-31942	1	8	issn	issn	PROPN
fbem-31942	1	9	:	:	PUNCT
fbem-31942	1	10	2766	2766	NUM
fbem-31942	1	11	-	-	PUNCT
fbem-31942	1	12	824x	824x	NUM
fbem-31942	1	13	|	|	ADJ
fbem-31942	1	14	vol	vol	NOUN
fbem-31942	1	15	.	.	PROPN
fbem-31942	1	16	21	21	NUM
fbem-31942	1	17	,	,	PUNCT
fbem-31942	1	18	no	no	INTJ
fbem-31942	1	19	.	.	NOUN
fbem-31942	1	20	1	1	NUM
fbem-31942	1	21	,	,	PUNCT
fbem-31942	1	22	2025	2025	NUM
fbem-31942	1	23	1	1	NUM
fbem-31942	1	24	analysis	analysis	NOUN
fbem-31942	1	25	of	of	ADP
fbem-31942	1	26	new	new	ADJ
fbem-31942	1	27	challenges	challenge	NOUN
fbem-31942	1	28	and	and	CCONJ
fbem-31942	1	29	response	response	NOUN
fbem-31942	1	30	paths	path	NOUN
fbem-31942	1	31	for	for	ADP
fbem-31942	1	32	enterprise	enterprise	NOUN
fbem-31942	1	33	risk	risk	NOUN
fbem-31942	1	34	management	management	NOUN
fbem-31942	1	35	under	under	ADP
fbem-31942	1	36	the	the	DET
fbem-31942	1	37	wave	wave	NOUN
fbem-31942	1	38	of	of	ADP
fbem-31942	1	39	financial	financial	ADJ
fbem-31942	1	40	technology	technology	NOUN
fbem-31942	1	41	peilin	peilin	PROPN
fbem-31942	1	42	chen	chen	PROPN
fbem-31942	1	43	college	college	PROPN
fbem-31942	1	44	of	of	ADP
fbem-31942	1	45	finance	finance	PROPN
fbem-31942	1	46	,	,	PUNCT
fbem-31942	1	47	henan	henan	PROPN
fbem-31942	1	48	university	university	PROPN
fbem-31942	1	49	of	of	ADP
fbem-31942	1	50	economics	economic	NOUN
fbem-31942	1	51	and	and	CCONJ
fbem-31942	1	52	law	law	NOUN
fbem-31942	1	53	,	,	PUNCT
fbem-31942	1	54	zhengzhou	zhengzhou	PROPN
fbem-31942	1	55	,	,	PUNCT
fbem-31942	1	56	450000	450000	NUM
fbem-31942	1	57	,	,	PUNCT
fbem-31942	1	58	henan	henan	PROPN
fbem-31942	1	59	,	,	PUNCT
fbem-31942	1	60	china	china	PROPN
fbem-31942	1	61	772646756@qq.com	772646756@qq.com	NUM
fbem-31942	1	62	abstract	abstract	NOUN
fbem-31942	1	63	:	:	PUNCT
fbem-31942	1	64	the	the	DET
fbem-31942	1	65	in	in	ADP
fbem-31942	1	66	-	-	PUNCT
fbem-31942	1	67	depth	depth	NOUN
fbem-31942	1	68	application	application	NOUN
fbem-31942	1	69	of	of	ADP
fbem-31942	1	70	technologies	technology	NOUN
fbem-31942	1	71	such	such	ADJ
fbem-31942	1	72	as	as	ADP
fbem-31942	1	73	big	big	ADJ
fbem-31942	1	74	data	datum	NOUN
fbem-31942	1	75	,	,	PUNCT
fbem-31942	1	76	artificial	artificial	ADJ
fbem-31942	1	77	intelligence	intelligence	NOUN
fbem-31942	1	78	,	,	PUNCT
fbem-31942	1	79	and	and	CCONJ
fbem-31942	1	80	blockchain	blockchain	NOUN
fbem-31942	1	81	in	in	ADP
fbem-31942	1	82	the	the	DET
fbem-31942	1	83	financial	financial	ADJ
fbem-31942	1	84	sector	sector	NOUN
fbem-31942	1	85	has	have	AUX
fbem-31942	1	86	made	make	VERB
fbem-31942	1	87	fintech	fintech	NOUN
fbem-31942	1	88	a	a	DET
fbem-31942	1	89	core	core	NOUN
fbem-31942	1	90	force	force	NOUN
fbem-31942	1	91	driving	drive	VERB
fbem-31942	1	92	industry	industry	NOUN
fbem-31942	1	93	transformation	transformation	NOUN
fbem-31942	1	94	and	and	CCONJ
fbem-31942	1	95	upgrading	upgrading	NOUN
fbem-31942	1	96	.	.	PUNCT
fbem-31942	2	1	it	it	PRON
fbem-31942	2	2	has	have	AUX
fbem-31942	2	3	not	not	PART
fbem-31942	2	4	only	only	ADV
fbem-31942	2	5	restructured	restructure	VERB
fbem-31942	2	6	businesses	business	NOUN
fbem-31942	2	7	business	business	NOUN
fbem-31942	2	8	models	model	NOUN
fbem-31942	2	9	and	and	CCONJ
fbem-31942	2	10	operational	operational	ADJ
fbem-31942	2	11	processes	process	NOUN
fbem-31942	2	12	but	but	CCONJ
fbem-31942	2	13	also	also	ADV
fbem-31942	2	14	fundamentally	fundamentally	ADV
fbem-31942	2	15	altered	alter	VERB
fbem-31942	2	16	the	the	DET
fbem-31942	2	17	risk	risk	NOUN
fbem-31942	2	18	environment	environment	NOUN
fbem-31942	2	19	they	they	PRON
fbem-31942	2	20	operate	operate	VERB
fbem-31942	2	21	in	in	ADP
fbem-31942	2	22	.	.	PUNCT
fbem-31942	3	1	traditional	traditional	ADJ
fbem-31942	3	2	risk	risk	NOUN
fbem-31942	3	3	management	management	NOUN
fbem-31942	3	4	systems	system	NOUN
fbem-31942	3	5	were	be	AUX
fbem-31942	3	6	designed	design	VERB
fbem-31942	3	7	for	for	ADP
fbem-31942	3	8	offline	offline	ADJ
fbem-31942	3	9	scenarios	scenario	NOUN
fbem-31942	3	10	.	.	PUNCT
fbem-31942	4	1	faced	face	VERB
fbem-31942	4	2	with	with	ADP
fbem-31942	4	3	the	the	DET
fbem-31942	4	4	emerging	emerge	VERB
fbem-31942	4	5	risks	risk	NOUN
fbem-31942	4	6	spawned	spawn	VERB
fbem-31942	4	7	by	by	ADP
fbem-31942	4	8	fintech	fintech	NOUN
fbem-31942	4	9	,	,	PUNCT
fbem-31942	4	10	they	they	PRON
fbem-31942	4	11	are	be	AUX
fbem-31942	4	12	gradually	gradually	ADV
fbem-31942	4	13	revealing	reveal	VERB
fbem-31942	4	14	problems	problem	NOUN
fbem-31942	4	15	such	such	ADJ
fbem-31942	4	16	as	as	ADP
fbem-31942	4	17	lagging	lag	VERB
fbem-31942	4	18	risk	risk	NOUN
fbem-31942	4	19	identification	identification	NOUN
fbem-31942	4	20	,	,	PUNCT
fbem-31942	4	21	limited	limited	ADJ
fbem-31942	4	22	prevention	prevention	NOUN
fbem-31942	4	23	and	and	CCONJ
fbem-31942	4	24	control	control	NOUN
fbem-31942	4	25	measures	measure	NOUN
fbem-31942	4	26	,	,	PUNCT
fbem-31942	4	27	and	and	CCONJ
fbem-31942	4	28	inadequate	inadequate	ADJ
fbem-31942	4	29	data	datum	NOUN
fbem-31942	4	30	security	security	NOUN
fbem-31942	4	31	.	.	PUNCT
fbem-31942	5	1	this	this	DET
fbem-31942	5	2	article	article	NOUN
fbem-31942	5	3	examines	examine	VERB
fbem-31942	5	4	the	the	DET
fbem-31942	5	5	impact	impact	NOUN
fbem-31942	5	6	of	of	ADP
fbem-31942	5	7	fintech	fintech	NOUN
fbem-31942	5	8	on	on	ADP
fbem-31942	5	9	enterprise	enterprise	NOUN
fbem-31942	5	10	risk	risk	NOUN
fbem-31942	5	11	management	management	NOUN
fbem-31942	5	12	and	and	CCONJ
fbem-31942	5	13	,	,	PUNCT
fbem-31942	5	14	drawing	draw	VERB
fbem-31942	5	15	on	on	ADP
fbem-31942	5	16	the	the	DET
fbem-31942	5	17	actual	actual	ADJ
fbem-31942	5	18	operational	operational	ADJ
fbem-31942	5	19	realities	reality	NOUN
fbem-31942	5	20	of	of	ADP
fbem-31942	5	21	enterprise	enterprise	NOUN
fbem-31942	5	22	digital	digital	ADJ
fbem-31942	5	23	transformation	transformation	NOUN
fbem-31942	5	24	,	,	PUNCT
fbem-31942	5	25	identifies	identify	VERB
fbem-31942	5	26	emerging	emerge	VERB
fbem-31942	5	27	risks	risk	NOUN
fbem-31942	5	28	such	such	ADJ
fbem-31942	5	29	as	as	ADP
fbem-31942	5	30	technology	technology	NOUN
fbem-31942	5	31	dependency	dependency	NOUN
fbem-31942	5	32	,	,	PUNCT
fbem-31942	5	33	algorithmic	algorithmic	ADJ
fbem-31942	5	34	bias	bias	NOUN
fbem-31942	5	35	,	,	PUNCT
fbem-31942	5	36	and	and	CCONJ
fbem-31942	5	37	cross	cross	ADJ
fbem-31942	5	38	-	-	ADJ
fbem-31942	5	39	border	border	ADJ
fbem-31942	5	40	contagion	contagion	NOUN
fbem-31942	5	41	.	.	PUNCT
fbem-31942	6	1	it	it	PRON
fbem-31942	6	2	also	also	ADV
fbem-31942	6	3	deeply	deeply	ADV
fbem-31942	6	4	analyzes	analyze	VERB
fbem-31942	6	5	the	the	DET
fbem-31942	6	6	inadaptability	inadaptability	NOUN
fbem-31942	6	7	of	of	ADP
fbem-31942	6	8	traditional	traditional	ADJ
fbem-31942	6	9	systems	system	NOUN
fbem-31942	6	10	,	,	PUNCT
fbem-31942	6	11	shortcomings	shortcoming	NOUN
fbem-31942	6	12	in	in	ADP
fbem-31942	6	13	technical	technical	ADJ
fbem-31942	6	14	security	security	NOUN
fbem-31942	6	15	and	and	CCONJ
fbem-31942	6	16	data	datum	NOUN
fbem-31942	6	17	compliance	compliance	NOUN
fbem-31942	6	18	,	,	PUNCT
fbem-31942	6	19	challenges	challenge	NOUN
fbem-31942	6	20	posed	pose	VERB
fbem-31942	6	21	by	by	ADP
fbem-31942	6	22	the	the	DET
fbem-31942	6	23	evolving	evolve	VERB
fbem-31942	6	24	regulatory	regulatory	ADJ
fbem-31942	6	25	environment	environment	NOUN
fbem-31942	6	26	,	,	PUNCT
fbem-31942	6	27	and	and	CCONJ
fbem-31942	6	28	talent	talent	NOUN
fbem-31942	6	29	gaps	gap	NOUN
fbem-31942	6	30	.	.	PUNCT
fbem-31942	7	1	finally	finally	ADV
fbem-31942	7	2	,	,	PUNCT
fbem-31942	7	3	it	it	PRON
fbem-31942	7	4	offers	offer	VERB
fbem-31942	7	5	practical	practical	ADJ
fbem-31942	7	6	solutions	solution	NOUN
fbem-31942	7	7	across	across	ADP
fbem-31942	7	8	four	four	NUM
fbem-31942	7	9	dimensions	dimension	NOUN
fbem-31942	7	10	:	:	PUNCT
fbem-31942	7	11	technology	technology	NOUN
fbem-31942	7	12	upgrades	upgrade	NOUN
fbem-31942	7	13	,	,	PUNCT
fbem-31942	7	14	system	system	NOUN
fbem-31942	7	15	improvements	improvement	NOUN
fbem-31942	7	16	,	,	PUNCT
fbem-31942	7	17	talent	talent	NOUN
fbem-31942	7	18	development	development	NOUN
fbem-31942	7	19	,	,	PUNCT
fbem-31942	7	20	and	and	CCONJ
fbem-31942	7	21	regulatory	regulatory	ADJ
fbem-31942	7	22	coordination	coordination	NOUN
fbem-31942	7	23	.	.	PUNCT
fbem-31942	8	1	these	these	DET
fbem-31942	8	2	paths	path	NOUN
fbem-31942	8	3	aim	aim	VERB
fbem-31942	8	4	to	to	PART
fbem-31942	8	5	provide	provide	VERB
fbem-31942	8	6	a	a	DET
fbem-31942	8	7	reference	reference	NOUN
fbem-31942	8	8	for	for	SCONJ
fbem-31942	8	9	enterprises	enterprise	NOUN
fbem-31942	8	10	to	to	PART
fbem-31942	8	11	enhance	enhance	VERB
fbem-31942	8	12	their	their	PRON
fbem-31942	8	13	risk	risk	NOUN
fbem-31942	8	14	management	management	NOUN
fbem-31942	8	15	capabilities	capability	NOUN
fbem-31942	8	16	in	in	ADP
fbem-31942	8	17	the	the	DET
fbem-31942	8	18	context	context	NOUN
fbem-31942	8	19	of	of	ADP
fbem-31942	8	20	fintech	fintech	NOUN
fbem-31942	8	21	and	and	CCONJ
fbem-31942	8	22	help	help	VERB
fbem-31942	8	23	them	they	PRON
fbem-31942	8	24	achieve	achieve	VERB
fbem-31942	8	25	stable	stable	ADJ
fbem-31942	8	26	development	development	NOUN
fbem-31942	8	27	amidst	amidst	ADP
fbem-31942	8	28	the	the	DET
fbem-31942	8	29	wave	wave	NOUN
fbem-31942	8	30	of	of	ADP
fbem-31942	8	31	digitalization	digitalization	NOUN
fbem-31942	8	32	.	.	PUNCT
fbem-31942	9	1	research	research	NOUN
fbem-31942	9	2	indicates	indicate	VERB
fbem-31942	9	3	that	that	SCONJ
fbem-31942	9	4	enterprises	enterprise	NOUN
fbem-31942	9	5	must	must	AUX
fbem-31942	9	6	break	break	VERB
fbem-31942	9	7	away	away	ADV
fbem-31942	9	8	from	from	ADP
fbem-31942	9	9	traditional	traditional	ADJ
fbem-31942	9	10	risk	risk	NOUN
fbem-31942	9	11	management	management	NOUN
fbem-31942	9	12	thinking	thinking	NOUN
fbem-31942	9	13	and	and	CCONJ
fbem-31942	9	14	build	build	VERB
fbem-31942	9	15	a	a	DET
fbem-31942	9	16	comprehensive	comprehensive	ADJ
fbem-31942	9	17	system	system	NOUN
fbem-31942	9	18	of	of	ADP
fbem-31942	9	19	"	"	PUNCT
fbem-31942	9	20	technology	technology	NOUN
fbem-31942	9	21	+	+	CCONJ
fbem-31942	9	22	system	system	NOUN
fbem-31942	9	23	+	+	CCONJ
fbem-31942	9	24	talent	talent	NOUN
fbem-31942	9	25	"	"	PUNCT
fbem-31942	9	26	to	to	PART
fbem-31942	9	27	effectively	effectively	ADV
fbem-31942	9	28	address	address	VERB
fbem-31942	9	29	the	the	DET
fbem-31942	9	30	various	various	ADJ
fbem-31942	9	31	risks	risk	NOUN
fbem-31942	9	32	posed	pose	VERB
fbem-31942	9	33	by	by	ADP
fbem-31942	9	34	fintech	fintech	NOUN
fbem-31942	9	35	.	.	PUNCT
fbem-31942	10	1	keywords	keyword	NOUN
fbem-31942	10	2	:	:	PUNCT
fbem-31942	10	3	fintech	fintech	NOUN
fbem-31942	10	4	;	;	PUNCT
fbem-31942	10	5	enterprise	enterprise	NOUN
fbem-31942	10	6	risk	risk	NOUN
fbem-31942	10	7	management	management	NOUN
fbem-31942	10	8	;	;	PUNCT
fbem-31942	10	9	risk	risk	NOUN
fbem-31942	10	10	challenges	challenge	NOUN
fbem-31942	10	11	;	;	PUNCT
fbem-31942	10	12	response	response	NOUN
fbem-31942	10	13	paths	path	NOUN
fbem-31942	10	14	;	;	PUNCT
fbem-31942	10	15	digital	digital	ADJ
fbem-31942	10	16	transformation	transformation	NOUN
fbem-31942	10	17	.	.	PUNCT
fbem-31942	11	1	1	1	X
fbem-31942	11	2	.	.	X
fbem-31942	11	3	introduction	introduction	NOUN
fbem-31942	11	4	fintech	fintech	NOUN
fbem-31942	11	5	has	have	AUX
fbem-31942	11	6	developed	develop	VERB
fbem-31942	11	7	faster	fast	ADV
fbem-31942	11	8	than	than	SCONJ
fbem-31942	11	9	expected	expect	VERB
fbem-31942	11	10	in	in	ADP
fbem-31942	11	11	recent	recent	ADJ
fbem-31942	11	12	years	year	NOUN
fbem-31942	11	13	.	.	PUNCT
fbem-31942	12	1	mobile	mobile	ADJ
fbem-31942	12	2	payments	payment	NOUN
fbem-31942	12	3	have	have	AUX
fbem-31942	12	4	permeated	permeate	VERB
fbem-31942	12	5	offline	offline	ADJ
fbem-31942	12	6	consumption	consumption	NOUN
fbem-31942	12	7	scenarios	scenario	NOUN
fbem-31942	12	8	,	,	PUNCT
fbem-31942	12	9	robo	robo	NOUN
fbem-31942	12	10	-	-	PUNCT
fbem-31942	12	11	advisors	advisor	NOUN
fbem-31942	12	12	have	have	AUX
fbem-31942	12	13	optimized	optimize	VERB
fbem-31942	12	14	wealth	wealth	NOUN
fbem-31942	12	15	management	management	NOUN
fbem-31942	12	16	processes	process	NOUN
fbem-31942	12	17	,	,	PUNCT
fbem-31942	12	18	and	and	CCONJ
fbem-31942	12	19	blockchain	blockchain	PROPN
fbem-31942	12	20	has	have	AUX
fbem-31942	12	21	resolved	resolve	VERB
fbem-31942	12	22	the	the	DET
fbem-31942	12	23	trust	trust	NOUN
fbem-31942	12	24	challenges	challenge	NOUN
fbem-31942	12	25	of	of	ADP
fbem-31942	12	26	supply	supply	NOUN
fbem-31942	12	27	chain	chain	NOUN
fbem-31942	12	28	finance	finance	NOUN
fbem-31942	12	29	.	.	PUNCT
fbem-31942	13	1	it	it	PRON
fbem-31942	13	2	has	have	AUX
fbem-31942	13	3	long	long	ADV
fbem-31942	13	4	been	be	AUX
fbem-31942	13	5	deeply	deeply	ADV
fbem-31942	13	6	integrated	integrate	VERB
fbem-31942	13	7	into	into	ADP
fbem-31942	13	8	every	every	DET
fbem-31942	13	9	aspect	aspect	NOUN
fbem-31942	13	10	of	of	ADP
fbem-31942	13	11	business	business	NOUN
fbem-31942	13	12	operations	operation	NOUN
fbem-31942	13	13	.	.	PUNCT
fbem-31942	14	1	the	the	DET
fbem-31942	14	2	peoples	people	NOUN
fbem-31942	14	3	bank	bank	PROPN
fbem-31942	14	4	of	of	ADP
fbem-31942	14	5	chinas	chinas	PROPN
fbem-31942	14	6	"	"	PUNCT
fbem-31942	14	7	china	china	PROPN
fbem-31942	14	8	fintech	fintech	PROPN
fbem-31942	14	9	development	development	NOUN
fbem-31942	14	10	report	report	NOUN
fbem-31942	14	11	(	(	PUNCT
fbem-31942	14	12	2024	2024	NUM
fbem-31942	14	13	)	)	PUNCT
fbem-31942	14	14	"	"	PUNCT
fbem-31942	14	15	states	state	VERB
fbem-31942	14	16	that	that	SCONJ
fbem-31942	14	17	by	by	ADP
fbem-31942	14	18	the	the	DET
fbem-31942	14	19	end	end	NOUN
fbem-31942	14	20	of	of	ADP
fbem-31942	14	21	2023	2023	NUM
fbem-31942	14	22	,	,	PUNCT
fbem-31942	14	23	the	the	DET
fbem-31942	14	24	size	size	NOUN
fbem-31942	14	25	of	of	ADP
fbem-31942	14	26	my	my	PRON
fbem-31942	14	27	countrys	country	NOUN
fbem-31942	14	28	fintech	fintech	NOUN
fbem-31942	14	29	related	relate	VERB
fbem-31942	14	30	market	market	NOUN
fbem-31942	14	31	will	will	AUX
fbem-31942	14	32	exceed	exceed	VERB
fbem-31942	14	33	15	15	NUM
fbem-31942	14	34	trillion	trillion	NUM
fbem-31942	14	35	yuan	yuan	NOUN
fbem-31942	14	36	,	,	PUNCT
fbem-31942	14	37	with	with	ADP
fbem-31942	14	38	over	over	ADP
fbem-31942	14	39	500,000	500,000	NUM
fbem-31942	14	40	companies	company	NOUN
fbem-31942	14	41	leveraging	leverage	VERB
fbem-31942	14	42	it	it	PRON
fbem-31942	14	43	to	to	PART
fbem-31942	14	44	improve	improve	VERB
fbem-31942	14	45	operational	operational	ADJ
fbem-31942	14	46	efficiency	efficiency	NOUN
fbem-31942	14	47	,	,	PUNCT
fbem-31942	14	48	with	with	ADP
fbem-31942	14	49	an	an	DET
fbem-31942	14	50	average	average	ADJ
fbem-31942	14	51	productivity	productivity	NOUN
fbem-31942	14	52	increase	increase	NOUN
fbem-31942	14	53	of	of	ADP
fbem-31942	14	54	over	over	ADP
fbem-31942	14	55	20	20	NUM
fbem-31942	14	56	%	%	NOUN
fbem-31942	14	57	.	.	PUNCT
fbem-31942	15	1	however	however	ADV
fbem-31942	15	2	,	,	PUNCT
fbem-31942	15	3	behind	behind	ADP
fbem-31942	15	4	these	these	DET
fbem-31942	15	5	opportunities	opportunity	NOUN
fbem-31942	15	6	lies	lie	VERB
fbem-31942	15	7	a	a	DET
fbem-31942	15	8	fundamental	fundamental	ADJ
fbem-31942	15	9	shift	shift	NOUN
fbem-31942	15	10	in	in	ADP
fbem-31942	15	11	the	the	DET
fbem-31942	15	12	risks	risk	NOUN
fbem-31942	15	13	businesses	business	NOUN
fbem-31942	15	14	face	face	VERB
fbem-31942	15	15	.	.	PUNCT
fbem-31942	16	1	previous	previous	ADJ
fbem-31942	16	2	risk	risk	NOUN
fbem-31942	16	3	management	management	NOUN
fbem-31942	16	4	models	model	NOUN
fbem-31942	16	5	were	be	AUX
fbem-31942	16	6	largely	largely	ADV
fbem-31942	16	7	"	"	PUNCT
fbem-31942	16	8	after	after	ADP
fbem-31942	16	9	-	-	PUNCT
fbem-31942	16	10	the	the	DET
fbem-31942	16	11	-	-	PUNCT
fbem-31942	16	12	fact	fact	NOUN
fbem-31942	16	13	"	"	PUNCT
fbem-31942	16	14	approaches	approach	NOUN
fbem-31942	16	15	,	,	PUNCT
fbem-31942	16	16	relying	rely	VERB
fbem-31942	16	17	on	on	ADP
fbem-31942	16	18	manual	manual	ADJ
fbem-31942	16	19	risk	risk	NOUN
fbem-31942	16	20	identification	identification	NOUN
fbem-31942	16	21	.	.	PUNCT
fbem-31942	17	1	this	this	DET
fbem-31942	17	2	approach	approach	NOUN
fbem-31942	17	3	simply	simply	ADV
fbem-31942	17	4	can	can	AUX
fbem-31942	17	5	not	not	PART
fbem-31942	17	6	keep	keep	VERB
fbem-31942	17	7	up	up	ADP
fbem-31942	17	8	with	with	ADP
fbem-31942	17	9	the	the	DET
fbem-31942	17	10	frequent	frequent	ADJ
fbem-31942	17	11	,	,	PUNCT
fbem-31942	17	12	hidden	hide	VERB
fbem-31942	17	13	,	,	PUNCT
fbem-31942	17	14	and	and	CCONJ
fbem-31942	17	15	cross	cross	ADJ
fbem-31942	17	16	-	-	ADJ
fbem-31942	17	17	sector	sector	ADJ
fbem-31942	17	18	nature	nature	NOUN
fbem-31942	17	19	of	of	ADP
fbem-31942	17	20	fintech	fintech	NOUN
fbem-31942	17	21	risks	risk	NOUN
fbem-31942	17	22	.	.	PUNCT
fbem-31942	18	1	these	these	DET
fbem-31942	18	2	risks	risk	NOUN
fbem-31942	18	3	have	have	AUX
fbem-31942	18	4	long	long	ADV
fbem-31942	18	5	since	since	SCONJ
fbem-31942	18	6	transcended	transcend	VERB
fbem-31942	18	7	the	the	DET
fbem-31942	18	8	scope	scope	NOUN
fbem-31942	18	9	of	of	ADP
fbem-31942	18	10	traditional	traditional	ADJ
fbem-31942	18	11	risk	risk	NOUN
fbem-31942	18	12	management	management	NOUN
fbem-31942	18	13	,	,	PUNCT
fbem-31942	18	14	making	make	VERB
fbem-31942	18	15	them	they	PRON
fbem-31942	18	16	untenable	untenable	ADJ
fbem-31942	18	17	for	for	ADP
fbem-31942	18	18	traditional	traditional	ADJ
fbem-31942	18	19	models	model	NOUN
fbem-31942	18	20	.	.	PUNCT
fbem-31942	19	1	current	current	ADJ
fbem-31942	19	2	academic	academic	ADJ
fbem-31942	19	3	research	research	NOUN
fbem-31942	19	4	on	on	ADP
fbem-31942	19	5	fintech	fintech	NOUN
fbem-31942	19	6	and	and	CCONJ
fbem-31942	19	7	risk	risk	NOUN
fbem-31942	19	8	management	management	NOUN
fbem-31942	19	9	focuses	focus	VERB
fbem-31942	19	10	primarily	primarily	ADV
fbem-31942	19	11	on	on	ADP
fbem-31942	19	12	how	how	SCONJ
fbem-31942	19	13	to	to	PART
fbem-31942	19	14	use	use	VERB
fbem-31942	19	15	the	the	DET
fbem-31942	19	16	technology	technology	NOUN
fbem-31942	19	17	—	—	PUNCT
fbem-31942	19	18	for	for	ADP
fbem-31942	19	19	example	example	NOUN
fbem-31942	19	20	,	,	PUNCT
fbem-31942	19	21	the	the	DET
fbem-31942	19	22	role	role	NOUN
fbem-31942	19	23	of	of	ADP
fbem-31942	19	24	artificial	artificial	ADJ
fbem-31942	19	25	intelligence	intelligence	NOUN
fbem-31942	19	26	in	in	ADP
fbem-31942	19	27	risk	risk	NOUN
fbem-31942	19	28	identification	identification	NOUN
fbem-31942	19	29	—	—	PUNCT
fbem-31942	19	30	but	but	CCONJ
fbem-31942	19	31	fails	fail	VERB
fbem-31942	19	32	to	to	PART
fbem-31942	19	33	thoroughly	thoroughly	ADV
fbem-31942	19	34	examine	examine	VERB
fbem-31942	19	35	the	the	DET
fbem-31942	19	36	risk	risk	NOUN
fbem-31942	19	37	challenges	challenge	NOUN
fbem-31942	19	38	posed	pose	VERB
fbem-31942	19	39	by	by	ADP
fbem-31942	19	40	fintech	fintech	NOUN
fbem-31942	19	41	.	.	PUNCT
fbem-31942	20	1	this	this	PRON
fbem-31942	20	2	is	be	AUX
fbem-31942	20	3	even	even	ADV
fbem-31942	20	4	more	more	ADV
fbem-31942	20	5	evident	evident	ADJ
fbem-31942	20	6	on	on	ADP
fbem-31942	20	7	the	the	DET
fbem-31942	20	8	enterprise	enterprise	NOUN
fbem-31942	20	9	side	side	NOUN
fbem-31942	20	10	,	,	PUNCT
fbem-31942	20	11	where	where	SCONJ
fbem-31942	20	12	most	most	ADJ
fbem-31942	20	13	prioritize	prioritize	VERB
fbem-31942	20	14	technology	technology	NOUN
fbem-31942	20	15	adoption	adoption	NOUN
fbem-31942	20	16	over	over	ADP
fbem-31942	20	17	risk	risk	NOUN
fbem-31942	20	18	prevention	prevention	NOUN
fbem-31942	20	19	and	and	CCONJ
fbem-31942	20	20	control	control	NOUN
fbem-31942	20	21	,	,	PUNCT
fbem-31942	20	22	and	and	CCONJ
fbem-31942	20	23	have	have	VERB
fbem-31942	20	24	yet	yet	ADV
fbem-31942	20	25	to	to	PART
fbem-31942	20	26	establish	establish	VERB
fbem-31942	20	27	a	a	DET
fbem-31942	20	28	risk	risk	NOUN
fbem-31942	20	29	management	management	NOUN
fbem-31942	20	30	system	system	NOUN
fbem-31942	20	31	adaptable	adaptable	ADJ
fbem-31942	20	32	to	to	ADP
fbem-31942	20	33	fintech	fintech	NOUN
fbem-31942	20	34	.	.	PUNCT
fbem-31942	21	1	in	in	ADP
fbem-31942	21	2	this	this	DET
fbem-31942	21	3	context	context	NOUN
fbem-31942	21	4	,	,	PUNCT
fbem-31942	21	5	systematically	systematically	ADV
fbem-31942	21	6	analyzing	analyze	VERB
fbem-31942	21	7	the	the	DET
fbem-31942	21	8	new	new	ADJ
fbem-31942	21	9	challenges	challenge	NOUN
fbem-31942	21	10	facing	face	VERB
fbem-31942	21	11	enterprise	enterprise	NOUN
fbem-31942	21	12	risk	risk	NOUN
fbem-31942	21	13	management	management	NOUN
fbem-31942	21	14	in	in	ADP
fbem-31942	21	15	the	the	DET
fbem-31942	21	16	fintech	fintech	NOUN
fbem-31942	21	17	wave	wave	NOUN
fbem-31942	21	18	and	and	CCONJ
fbem-31942	21	19	identifying	identify	VERB
fbem-31942	21	20	scientific	scientific	ADJ
fbem-31942	21	21	responses	response	NOUN
fbem-31942	21	22	will	will	AUX
fbem-31942	21	23	not	not	PART
fbem-31942	21	24	only	only	ADV
fbem-31942	21	25	fill	fill	VERB
fbem-31942	21	26	gaps	gap	NOUN
fbem-31942	21	27	in	in	ADP
fbem-31942	21	28	academic	academic	ADJ
fbem-31942	21	29	research	research	NOUN
fbem-31942	21	30	but	but	CCONJ
fbem-31942	21	31	also	also	ADV
fbem-31942	21	32	provide	provide	VERB
fbem-31942	21	33	practical	practical	ADJ
fbem-31942	21	34	guidance	guidance	NOUN
fbem-31942	21	35	for	for	ADP
fbem-31942	21	36	enterprises	enterprise	NOUN
fbem-31942	21	37	.	.	PUNCT
fbem-31942	22	1	this	this	PRON
fbem-31942	22	2	is	be	AUX
fbem-31942	22	3	highly	highly	ADV
fbem-31942	22	4	valuable	valuable	ADJ
fbem-31942	22	5	both	both	PRON
fbem-31942	22	6	theoretically	theoretically	ADV
fbem-31942	22	7	and	and	CCONJ
fbem-31942	22	8	practically	practically	ADV
fbem-31942	22	9	.	.	PUNCT
fbem-31942	23	1	this	this	DET
fbem-31942	23	2	article	article	NOUN
fbem-31942	23	3	will	will	AUX
fbem-31942	23	4	analyze	analyze	VERB
fbem-31942	23	5	these	these	DET
fbem-31942	23	6	challenges	challenge	NOUN
fbem-31942	23	7	from	from	ADP
fbem-31942	23	8	five	five	NUM
fbem-31942	23	9	perspectives	perspective	NOUN
fbem-31942	23	10	:	:	PUNCT
fbem-31942	23	11	risk	risk	NOUN
fbem-31942	23	12	profiles	profile	NOUN
fbem-31942	23	13	,	,	PUNCT
fbem-31942	23	14	management	management	NOUN
fbem-31942	23	15	systems	system	NOUN
fbem-31942	23	16	,	,	PUNCT
fbem-31942	23	17	technological	technological	ADJ
fbem-31942	23	18	security	security	NOUN
fbem-31942	23	19	,	,	PUNCT
fbem-31942	23	20	regulatory	regulatory	ADJ
fbem-31942	23	21	environment	environment	NOUN
fbem-31942	23	22	,	,	PUNCT
fbem-31942	23	23	and	and	CCONJ
fbem-31942	23	24	talent	talent	NOUN
fbem-31942	23	25	pool	pool	NOUN
fbem-31942	23	26	,	,	PUNCT
fbem-31942	23	27	and	and	CCONJ
fbem-31942	23	28	offer	offer	VERB
fbem-31942	23	29	practical	practical	ADJ
fbem-31942	23	30	solutions	solution	NOUN
fbem-31942	23	31	.	.	PUNCT
fbem-31942	24	1	2	2	X
fbem-31942	24	2	.	.	X
fbem-31942	24	3	new	new	ADJ
fbem-31942	24	4	enterprise	enterprise	NOUN
fbem-31942	24	5	risk	risk	NOUN
fbem-31942	24	6	profiles	profile	NOUN
fbem-31942	24	7	driven	drive	VERB
fbem-31942	24	8	by	by	ADP
fbem-31942	24	9	fintech	fintech	NOUN
fbem-31942	24	10	fintech	fintech	NOUN
fbem-31942	24	11	has	have	AUX
fbem-31942	24	12	disrupted	disrupt	VERB
fbem-31942	24	13	the	the	DET
fbem-31942	24	14	boundaries	boundary	NOUN
fbem-31942	24	15	of	of	ADP
fbem-31942	24	16	traditional	traditional	ADJ
fbem-31942	24	17	financial	financial	ADJ
fbem-31942	24	18	services	service	NOUN
fbem-31942	24	19	,	,	PUNCT
fbem-31942	24	20	transforming	transform	VERB
fbem-31942	24	21	the	the	DET
fbem-31942	24	22	risks	risk	NOUN
fbem-31942	24	23	faced	face	VERB
fbem-31942	24	24	by	by	ADP
fbem-31942	24	25	enterprises	enterprise	NOUN
fbem-31942	24	26	from	from	ADP
fbem-31942	24	27	single	single	ADJ
fbem-31942	24	28	-	-	PUNCT
fbem-31942	24	29	business	business	NOUN
fbem-31942	24	30	risks	risk	NOUN
fbem-31942	24	31	to	to	ADP
fbem-31942	24	32	multi	multi	ADJ
fbem-31942	24	33	-	-	ADJ
fbem-31942	24	34	dimensional	dimensional	ADJ
fbem-31942	24	35	,	,	PUNCT
fbem-31942	24	36	complex	complex	ADJ
fbem-31942	24	37	risks	risk	NOUN
fbem-31942	24	38	.	.	PUNCT
fbem-31942	25	1	technology	technology	NOUN
fbem-31942	25	2	dependency	dependency	NOUN
fbem-31942	25	3	,	,	PUNCT
fbem-31942	25	4	algorithmic	algorithmic	ADJ
fbem-31942	25	5	bias	bias	NOUN
fbem-31942	25	6	,	,	PUNCT
fbem-31942	25	7	and	and	CCONJ
fbem-31942	25	8	crossborder	crossborder	NOUN
fbem-31942	25	9	contagion	contagion	NOUN
fbem-31942	25	10	are	be	AUX
fbem-31942	25	11	the	the	DET
fbem-31942	25	12	most	most	ADV
fbem-31942	25	13	prominent	prominent	ADJ
fbem-31942	25	14	of	of	ADP
fbem-31942	25	15	these	these	DET
fbem-31942	25	16	risks	risk	NOUN
fbem-31942	25	17	,	,	PUNCT
fbem-31942	25	18	and	and	CCONJ
fbem-31942	25	19	their	their	PRON
fbem-31942	25	20	intertwined	intertwine	VERB
fbem-31942	25	21	nature	nature	NOUN
fbem-31942	25	22	significantly	significantly	ADV
fbem-31942	25	23	increases	increase	VERB
fbem-31942	25	24	the	the	DET
fbem-31942	25	25	difficulty	difficulty	NOUN
fbem-31942	25	26	of	of	ADP
fbem-31942	25	27	risk	risk	NOUN
fbem-31942	25	28	management	management	NOUN
fbem-31942	25	29	.	.	PUNCT
fbem-31942	26	1	technology	technology	NOUN
fbem-31942	26	2	dependency	dependency	NOUN
fbem-31942	26	3	is	be	AUX
fbem-31942	26	4	the	the	DET
fbem-31942	26	5	first	first	ADJ
fbem-31942	26	6	hurdle	hurdle	NOUN
fbem-31942	26	7	enterprises	enterprise	NOUN
fbem-31942	26	8	encounter	encounter	VERB
fbem-31942	26	9	when	when	SCONJ
fbem-31942	26	10	using	use	VERB
fbem-31942	26	11	fintech	fintech	NOUN
fbem-31942	26	12	.	.	PUNCT
fbem-31942	27	1	businesses	business	NOUN
fbem-31942	27	2	are	be	AUX
fbem-31942	27	3	increasingly	increasingly	ADV
fbem-31942	27	4	reliant	reliant	ADJ
fbem-31942	27	5	on	on	ADP
fbem-31942	27	6	mobile	mobile	ADJ
fbem-31942	27	7	payments	payment	NOUN
fbem-31942	27	8	,	,	PUNCT
fbem-31942	27	9	cloud	cloud	NOUN
fbem-31942	27	10	computing	computing	NOUN
fbem-31942	27	11	,	,	PUNCT
fbem-31942	27	12	and	and	CCONJ
fbem-31942	27	13	intelligent	intelligent	ADJ
fbem-31942	27	14	algorithms	algorithm	NOUN
fbem-31942	27	15	.	.	PUNCT
fbem-31942	28	1	failures	failure	NOUN
fbem-31942	28	2	in	in	ADP
fbem-31942	28	3	these	these	DET
fbem-31942	28	4	systems	system	NOUN
fbem-31942	28	5	can	can	AUX
fbem-31942	28	6	directly	directly	ADV
fbem-31942	28	7	impact	impact	VERB
fbem-31942	28	8	normal	normal	ADJ
fbem-31942	28	9	operations	operation	NOUN
fbem-31942	28	10	.	.	PUNCT
fbem-31942	29	1	for	for	ADP
fbem-31942	29	2	example	example	NOUN
fbem-31942	29	3	,	,	PUNCT
fbem-31942	29	4	after	after	SCONJ
fbem-31942	29	5	a	a	DET
fbem-31942	29	6	retail	retail	ADJ
fbem-31942	29	7	chain	chain	NOUN
fbem-31942	29	8	launched	launch	VERB
fbem-31942	29	9	mobile	mobile	ADJ
fbem-31942	29	10	payments	payment	NOUN
fbem-31942	29	11	,	,	PUNCT
fbem-31942	29	12	the	the	DET
fbem-31942	29	13	third	third	ADJ
fbem-31942	29	14	-	-	PUNCT
fbem-31942	29	15	party	party	NOUN
fbem-31942	29	16	platforms	platform	NOUN
fbem-31942	29	17	servers	server	NOUN
fbem-31942	29	18	suddenly	suddenly	ADV
fbem-31942	29	19	crashed	crash	VERB
fbem-31942	29	20	due	due	ADJ
fbem-31942	29	21	to	to	ADP
fbem-31942	29	22	excessive	excessive	ADJ
fbem-31942	29	23	load	load	NOUN
fbem-31942	29	24	.	.	PUNCT
fbem-31942	30	1	thousands	thousand	NOUN
fbem-31942	30	2	of	of	ADP
fbem-31942	30	3	stores	store	NOUN
fbem-31942	30	4	nationwide	nationwide	ADV
fbem-31942	30	5	were	be	AUX
fbem-31942	30	6	unable	unable	ADJ
fbem-31942	30	7	to	to	PART
fbem-31942	30	8	accept	accept	VERB
fbem-31942	30	9	payments	payment	NOUN
fbem-31942	30	10	for	for	ADP
fbem-31942	30	11	several	several	ADJ
fbem-31942	30	12	hours	hour	NOUN
fbem-31942	30	13	.	.	PUNCT
fbem-31942	31	1	this	this	PRON
fbem-31942	31	2	resulted	result	VERB
fbem-31942	31	3	in	in	ADP
fbem-31942	31	4	significant	significant	ADJ
fbem-31942	31	5	revenue	revenue	NOUN
fbem-31942	31	6	losses	loss	NOUN
fbem-31942	31	7	and	and	CCONJ
fbem-31942	31	8	complaints	complaint	NOUN
fbem-31942	31	9	from	from	ADP
fbem-31942	31	10	consumers	consumer	NOUN
fbem-31942	31	11	unable	unable	ADJ
fbem-31942	31	12	to	to	PART
fbem-31942	31	13	pay	pay	VERB
fbem-31942	31	14	,	,	PUNCT
fbem-31942	31	15	damaging	damage	VERB
fbem-31942	31	16	the	the	DET
fbem-31942	31	17	brands	brand	NOUN
fbem-31942	31	18	reputation	reputation	NOUN
fbem-31942	31	19	.	.	PUNCT
fbem-31942	32	1	even	even	ADV
fbem-31942	32	2	more	more	ADV
fbem-31942	32	3	problematic	problematic	ADJ
fbem-31942	32	4	is	be	AUX
fbem-31942	32	5	"	"	PUNCT
fbem-31942	32	6	techno	techno	NOUN
fbem-31942	32	7	logy	logy	NOUN
fbem-31942	32	8	lock	lock	NOUN
fbem-31942	32	9	-	-	PUNCT
fbem-31942	32	10	in	in	NOUN
fbem-31942	32	11	.	.	PUNCT
fbem-31942	32	12	"	"	PUNCT
fbem-31942	33	1	some	some	DET
fbem-31942	33	2	logistics	logistic	NOUN
fbem-31942	33	3	companies	company	NOUN
fbem-31942	33	4	have	have	AUX
fbem-31942	33	5	long	long	ADV
fbem-31942	33	6	relied	rely	VERB
fbem-31942	33	7	on	on	ADP
fbem-31942	33	8	a	a	DET
fbem-31942	33	9	single	single	ADJ
fbem-31942	33	10	service	service	NOUN
fbem-31942	33	11	providers	provider	NOUN
fbem-31942	33	12	big	big	ADJ
fbem-31942	33	13	data	data	PROPN
fbem-31942	33	14	route	route	NOUN
fbem-31942	33	15	optimization	optimization	NOUN
fbem-31942	33	16	system	system	NOUN
fbem-31942	33	17	.	.	PUNCT
fbem-31942	34	1	later	later	ADV
fbem-31942	34	2	,	,	PUNCT
fbem-31942	34	3	when	when	SCONJ
fbem-31942	34	4	the	the	DET
fbem-31942	34	5	providers	provider	NOUN
fbem-31942	34	6	technology	technology	NOUN
fbem-31942	34	7	upgrades	upgrade	NOUN
fbem-31942	34	8	failed	fail	VERB
fbem-31942	34	9	to	to	PART
fbem-31942	34	10	keep	keep	VERB
fbem-31942	34	11	pace	pace	NOUN
fbem-31942	34	12	,	,	PUNCT
fbem-31942	34	13	the	the	DET
fbem-31942	34	14	company	company	NOUN
fbem-31942	34	15	sought	seek	VERB
fbem-31942	34	16	a	a	DET
fbem-31942	34	17	new	new	ADJ
fbem-31942	34	18	system	system	NOUN
fbem-31942	34	19	,	,	PUNCT
fbem-31942	34	20	only	only	ADV
fbem-31942	34	21	to	to	PART
fbem-31942	34	22	discover	discover	VERB
fbem-31942	34	23	the	the	DET
fbem-31942	34	24	enormous	enormous	ADJ
fbem-31942	34	25	costs	cost	NOUN
fbem-31942	34	26	of	of	ADP
fbem-31942	34	27	data	datum	NOUN
fbem-31942	34	28	migration	migration	NOUN
fbem-31942	34	29	and	and	CCONJ
fbem-31942	34	30	employee	employee	NOUN
fbem-31942	34	31	training	training	NOUN
fbem-31942	34	32	,	,	PUNCT
fbem-31942	34	33	making	make	VERB
fbem-31942	34	34	the	the	DET
fbem-31942	34	35	switch	switch	NOUN
fbem-31942	34	36	unaffordable	unaffordable	ADJ
fbem-31942	34	37	.	.	PUNCT
fbem-31942	35	1	furthermore	furthermore	ADV
fbem-31942	35	2	,	,	PUNCT
fbem-31942	35	3	if	if	SCONJ
fbem-31942	35	4	the	the	DET
fbem-31942	35	5	providers	provider	NOUN
fbem-31942	35	6	operations	operation	NOUN
fbem-31942	35	7	were	be	AUX
fbem-31942	35	8	to	to	PART
fbem-31942	35	9	fail	fail	VERB
fbem-31942	35	10	,	,	PUNCT
fbem-31942	35	11	their	their	PRON
fbem-31942	35	12	own	own	ADJ
fbem-31942	35	13	business	business	NOUN
fbem-31942	35	14	could	could	AUX
fbem-31942	35	15	be	be	AUX
fbem-31942	35	16	2	2	NUM
fbem-31942	35	17	halted	halt	VERB
fbem-31942	35	18	.	.	PUNCT
fbem-31942	36	1	algorithmic	algorithmic	ADJ
fbem-31942	36	2	bias	bias	NOUN
fbem-31942	36	3	is	be	AUX
fbem-31942	36	4	often	often	ADV
fbem-31942	36	5	caused	cause	VERB
fbem-31942	36	6	by	by	ADP
fbem-31942	36	7	poor	poor	ADJ
fbem-31942	36	8	data	datum	NOUN
fbem-31942	36	9	quality	quality	NOUN
fbem-31942	36	10	or	or	CCONJ
fbem-31942	36	11	flawed	flaw	VERB
fbem-31942	36	12	algorithmic	algorithmic	ADJ
fbem-31942	36	13	design	design	NOUN
fbem-31942	36	14	.	.	PUNCT
fbem-31942	37	1	when	when	SCONJ
fbem-31942	37	2	businesses	business	NOUN
fbem-31942	37	3	use	use	VERB
fbem-31942	37	4	tools	tool	NOUN
fbem-31942	37	5	like	like	ADP
fbem-31942	37	6	intelligent	intelligent	ADJ
fbem-31942	37	7	risk	risk	NOUN
fbem-31942	37	8	control	control	NOUN
fbem-31942	37	9	and	and	CCONJ
fbem-31942	37	10	smart	smart	ADJ
fbem-31942	37	11	pricing	pricing	NOUN
fbem-31942	37	12	,	,	PUNCT
fbem-31942	37	13	the	the	DET
fbem-31942	37	14	algorithms	algorithm	NOUN
fbem-31942	37	15	rely	rely	VERB
fbem-31942	37	16	on	on	ADP
fbem-31942	37	17	massive	massive	ADJ
fbem-31942	37	18	amounts	amount	NOUN
fbem-31942	37	19	of	of	ADP
fbem-31942	37	20	data	datum	NOUN
fbem-31942	37	21	to	to	PART
fbem-31942	37	22	make	make	VERB
fbem-31942	37	23	decisions	decision	NOUN
fbem-31942	37	24	.	.	PUNCT
fbem-31942	38	1	if	if	SCONJ
fbem-31942	38	2	the	the	DET
fbem-31942	38	3	data	data	NOUN
fbem-31942	38	4	samples	sample	NOUN
fbem-31942	38	5	are	be	AUX
fbem-31942	38	6	incomplete	incomplete	ADJ
fbem-31942	38	7	or	or	CCONJ
fbem-31942	38	8	fail	fail	VERB
fbem-31942	38	9	to	to	PART
fbem-31942	38	10	account	account	VERB
fbem-31942	38	11	for	for	ADP
fbem-31942	38	12	specific	specific	ADJ
fbem-31942	38	13	scenarios	scenario	NOUN
fbem-31942	38	14	,	,	PUNCT
fbem-31942	38	15	the	the	DET
fbem-31942	38	16	results	result	NOUN
fbem-31942	38	17	can	can	AUX
fbem-31942	38	18	easily	easily	ADV
fbem-31942	38	19	be	be	AUX
fbem-31942	38	20	biased	bias	VERB
fbem-31942	38	21	.	.	PUNCT
fbem-31942	39	1	for	for	ADP
fbem-31942	39	2	example	example	NOUN
fbem-31942	39	3	,	,	PUNCT
fbem-31942	39	4	an	an	DET
fbem-31942	39	5	internet	internet	NOUN
fbem-31942	39	6	finance	finance	NOUN
fbem-31942	39	7	company	company	NOUN
fbem-31942	39	8	offering	offer	VERB
fbem-31942	39	9	microloans	microloan	NOUN
fbem-31942	39	10	used	use	VERB
fbem-31942	39	11	an	an	DET
fbem-31942	39	12	intelligent	intelligent	ADJ
fbem-31942	39	13	risk	risk	NOUN
fbem-31942	39	14	control	control	NOUN
fbem-31942	39	15	algorithm	algorithm	NOUN
fbem-31942	39	16	that	that	PRON
fbem-31942	39	17	only	only	ADV
fbem-31942	39	18	considered	consider	VERB
fbem-31942	39	19	online	online	ADJ
fbem-31942	39	20	consumer	consumer	NOUN
fbem-31942	39	21	data	datum	NOUN
fbem-31942	39	22	,	,	PUNCT
fbem-31942	39	23	ignoring	ignore	VERB
fbem-31942	39	24	offline	offline	ADJ
fbem-31942	39	25	income	income	NOUN
fbem-31942	39	26	verification	verification	NOUN
fbem-31942	39	27	for	for	ADP
fbem-31942	39	28	migrant	migrant	ADJ
fbem-31942	39	29	workers	worker	NOUN
fbem-31942	39	30	and	and	CCONJ
fbem-31942	39	31	self	self	NOUN
fbem-31942	39	32	-	-	PUNCT
fbem-31942	39	33	employed	employ	VERB
fbem-31942	39	34	individuals	individual	NOUN
fbem-31942	39	35	.	.	PUNCT
fbem-31942	40	1	this	this	PRON
fbem-31942	40	2	resulted	result	VERB
fbem-31942	40	3	in	in	ADP
fbem-31942	40	4	generally	generally	ADV
fbem-31942	40	5	low	low	ADJ
fbem-31942	40	6	credit	credit	NOUN
fbem-31942	40	7	scores	score	NOUN
fbem-31942	40	8	for	for	ADP
fbem-31942	40	9	these	these	DET
fbem-31942	40	10	groups	group	NOUN
fbem-31942	40	11	,	,	PUNCT
fbem-31942	40	12	leading	lead	VERB
fbem-31942	40	13	to	to	ADP
fbem-31942	40	14	the	the	DET
fbem-31942	40	15	company	company	NOUN
fbem-31942	40	16	losing	lose	VERB
fbem-31942	40	17	many	many	ADJ
fbem-31942	40	18	potential	potential	ADJ
fbem-31942	40	19	customers	customer	NOUN
fbem-31942	40	20	and	and	CCONJ
fbem-31942	40	21	being	be	AUX
fbem-31942	40	22	summoned	summon	VERB
fbem-31942	40	23	by	by	ADP
fbem-31942	40	24	regulators	regulator	NOUN
fbem-31942	40	25	for	for	ADP
fbem-31942	40	26	discriminatory	discriminatory	ADJ
fbem-31942	40	27	assessments	assessment	NOUN
fbem-31942	40	28	[	[	X
fbem-31942	40	29	1	1	NUM
fbem-31942	40	30	]	]	PUNCT
fbem-31942	40	31	.	.	PUNCT
fbem-31942	41	1	furthermore	furthermore	ADV
fbem-31942	41	2	,	,	PUNCT
fbem-31942	41	3	the	the	DET
fbem-31942	41	4	algorithm	algorithm	NOUN
fbem-31942	41	5	acts	act	VERB
fbem-31942	41	6	like	like	ADP
fbem-31942	41	7	a	a	DET
fbem-31942	41	8	"	"	PUNCT
fbem-31942	41	9	black	black	ADJ
fbem-31942	41	10	box	box	NOUN
fbem-31942	41	11	,	,	PUNCT
fbem-31942	41	12	"	"	PUNCT
fbem-31942	41	13	making	make	VERB
fbem-31942	41	14	it	it	PRON
fbem-31942	41	15	difficult	difficult	ADJ
fbem-31942	41	16	to	to	PART
fbem-31942	41	17	explain	explain	VERB
fbem-31942	41	18	the	the	DET
fbem-31942	41	19	decision	decision	NOUN
fbem-31942	41	20	-	-	PUNCT
fbem-31942	41	21	making	make	VERB
fbem-31942	41	22	process	process	NOUN
fbem-31942	41	23	and	and	CCONJ
fbem-31942	41	24	quickly	quickly	ADV
fbem-31942	41	25	identify	identify	VERB
fbem-31942	41	26	the	the	DET
fbem-31942	41	27	root	root	NOUN
fbem-31942	41	28	cause	cause	NOUN
fbem-31942	41	29	.	.	PUNCT
fbem-31942	42	1	this	this	PRON
fbem-31942	42	2	delays	delay	VERB
fbem-31942	42	3	risk	risk	NOUN
fbem-31942	42	4	management	management	NOUN
fbem-31942	42	5	and	and	CCONJ
fbem-31942	42	6	can	can	AUX
fbem-31942	42	7	even	even	ADV
fbem-31942	42	8	lead	lead	VERB
fbem-31942	42	9	to	to	ADP
fbem-31942	42	10	customer	customer	NOUN
fbem-31942	42	11	complaints	complaint	NOUN
fbem-31942	42	12	.	.	PUNCT
fbem-31942	43	1	cross	cross	ADJ
fbem-31942	43	2	-	-	ADJ
fbem-31942	43	3	sector	sector	ADJ
fbem-31942	43	4	contagion	contagion	NOUN
fbem-31942	43	5	is	be	AUX
fbem-31942	43	6	an	an	DET
fbem-31942	43	7	inevitable	inevitable	ADJ
fbem-31942	43	8	consequence	consequence	NOUN
fbem-31942	43	9	of	of	ADP
fbem-31942	43	10	the	the	DET
fbem-31942	43	11	"	"	PUNCT
fbem-31942	43	12	finance	finance	NOUN
fbem-31942	43	13	+	+	CCONJ
fbem-31942	43	14	industry	industry	NOUN
fbem-31942	43	15	"	"	PUNCT
fbem-31942	43	16	integration	integration	NOUN
fbem-31942	43	17	of	of	ADP
fbem-31942	43	18	fintech	fintech	NOUN
fbem-31942	43	19	.	.	PUNCT
fbem-31942	44	1	this	this	DET
fbem-31942	44	2	"	"	PUNCT
fbem-31942	44	3	finance	finance	NOUN
fbem-31942	44	4	+	+	CCONJ
fbem-31942	44	5	industry	industry	NOUN
fbem-31942	44	6	"	"	PUNCT
fbem-31942	44	7	approach	approach	NOUN
fbem-31942	44	8	has	have	AUX
fbem-31942	44	9	become	become	VERB
fbem-31942	44	10	the	the	DET
fbem-31942	44	11	norm	norm	NOUN
fbem-31942	44	12	,	,	PUNCT
fbem-31942	44	13	allowing	allow	VERB
fbem-31942	44	14	risks	risk	NOUN
fbem-31942	44	15	to	to	PART
fbem-31942	44	16	spread	spread	VERB
fbem-31942	44	17	rapidly	rapidly	ADV
fbem-31942	44	18	across	across	ADP
fbem-31942	44	19	different	different	ADJ
fbem-31942	44	20	sectors	sector	NOUN
fbem-31942	44	21	.	.	PUNCT
fbem-31942	45	1	for	for	ADP
fbem-31942	45	2	example	example	NOUN
fbem-31942	45	3	,	,	PUNCT
fbem-31942	45	4	an	an	DET
fbem-31942	45	5	automobile	automobile	NOUN
fbem-31942	45	6	manufacturer	manufacturer	NOUN
fbem-31942	45	7	relied	rely	VERB
fbem-31942	45	8	on	on	ADP
fbem-31942	45	9	a	a	DET
fbem-31942	45	10	subsidiary	subsidiary	ADJ
fbem-31942	45	11	finance	finance	NOUN
fbem-31942	45	12	company	company	NOUN
fbem-31942	45	13	to	to	PART
fbem-31942	45	14	provide	provide	VERB
fbem-31942	45	15	consumer	consumer	NOUN
fbem-31942	45	16	loans	loan	NOUN
fbem-31942	45	17	and	and	CCONJ
fbem-31942	45	18	also	also	ADV
fbem-31942	45	19	used	use	VERB
fbem-31942	45	20	watermarks	watermark	NOUN
fbem-31942	45	21	to	to	PART
fbem-31942	45	22	establish	establish	VERB
fbem-31942	45	23	a	a	DET
fbem-31942	45	24	supply	supply	NOUN
fbem-31942	45	25	chain	chain	NOUN
fbem-31942	45	26	finance	finance	NOUN
fbem-31942	45	27	platform	platform	NOUN
fbem-31942	45	28	to	to	PART
fbem-31942	45	29	connect	connect	VERB
fbem-31942	45	30	upstream	upstream	ADJ
fbem-31942	45	31	and	and	CCONJ
fbem-31942	45	32	downstream	downstream	ADJ
fbem-31942	45	33	suppliers	supplier	NOUN
fbem-31942	45	34	.	.	PUNCT
fbem-31942	46	1	later	later	ADV
fbem-31942	46	2	,	,	PUNCT
fbem-31942	46	3	due	due	ADP
fbem-31942	46	4	to	to	ADP
fbem-31942	46	5	macroeconomic	macroeconomic	ADJ
fbem-31942	46	6	downturns	downturn	NOUN
fbem-31942	46	7	,	,	PUNCT
fbem-31942	46	8	car	car	NOUN
fbem-31942	46	9	sales	sale	NOUN
fbem-31942	46	10	declined	decline	VERB
fbem-31942	46	11	,	,	PUNCT
fbem-31942	46	12	consumers	consumer	NOUN
fbem-31942	46	13	were	be	AUX
fbem-31942	46	14	unable	unable	ADJ
fbem-31942	46	15	to	to	PART
fbem-31942	46	16	repay	repay	VERB
fbem-31942	46	17	their	their	PRON
fbem-31942	46	18	loans	loan	NOUN
fbem-31942	46	19	,	,	PUNCT
fbem-31942	46	20	and	and	CCONJ
fbem-31942	46	21	consumer	consumer	NOUN
fbem-31942	46	22	loan	loan	NOUN
fbem-31942	46	23	defaults	default	NOUN
fbem-31942	46	24	increased	increase	VERB
fbem-31942	46	25	.	.	PUNCT
fbem-31942	47	1	this	this	DET
fbem-31942	47	2	risk	risk	NOUN
fbem-31942	47	3	was	be	AUX
fbem-31942	47	4	then	then	ADV
fbem-31942	47	5	transmitted	transmit	VERB
fbem-31942	47	6	to	to	ADP
fbem-31942	47	7	suppliers	supplier	NOUN
fbem-31942	47	8	through	through	ADP
fbem-31942	47	9	the	the	DET
fbem-31942	47	10	supply	supply	NOUN
fbem-31942	47	11	chain	chain	NOUN
fbem-31942	47	12	platform	platform	NOUN
fbem-31942	47	13	.	.	PUNCT
fbem-31942	48	1	unable	unable	ADJ
fbem-31942	48	2	to	to	PART
fbem-31942	48	3	collect	collect	VERB
fbem-31942	48	4	outstanding	outstanding	ADJ
fbem-31942	48	5	debts	debt	NOUN
fbem-31942	48	6	,	,	PUNCT
fbem-31942	48	7	many	many	ADJ
fbem-31942	48	8	suppliers	supplier	NOUN
fbem-31942	48	9	experienced	experience	VERB
fbem-31942	48	10	funding	funding	NOUN
fbem-31942	48	11	disruptions	disruption	NOUN
fbem-31942	48	12	,	,	PUNCT
fbem-31942	48	13	ultimately	ultimately	ADV
fbem-31942	48	14	halting	halt	VERB
fbem-31942	48	15	the	the	DET
fbem-31942	48	16	automobile	automobile	NOUN
fbem-31942	48	17	manufacturers	manufacturer	NOUN
fbem-31942	48	18	production	production	NOUN
fbem-31942	48	19	lines	line	NOUN
fbem-31942	48	20	.	.	PUNCT
fbem-31942	49	1	traditional	traditional	ADJ
fbem-31942	49	2	risk	risk	NOUN
fbem-31942	49	3	management	management	NOUN
fbem-31942	49	4	,	,	PUNCT
fbem-31942	49	5	lacking	lack	VERB
fbem-31942	49	6	a	a	DET
fbem-31942	49	7	cross	cross	ADJ
fbem-31942	49	8	-	-	ADJ
fbem-31942	49	9	sector	sector	ADJ
fbem-31942	49	10	monitoring	monitoring	NOUN
fbem-31942	49	11	mechanism	mechanism	NOUN
fbem-31942	49	12	,	,	PUNCT
fbem-31942	49	13	was	be	AUX
fbem-31942	49	14	unable	unable	ADJ
fbem-31942	49	15	to	to	PART
fbem-31942	49	16	prevent	prevent	VERB
fbem-31942	49	17	the	the	DET
fbem-31942	49	18	spread	spread	NOUN
fbem-31942	49	19	of	of	ADP
fbem-31942	49	20	risk	risk	NOUN
fbem-31942	49	21	,	,	PUNCT
fbem-31942	49	22	ultimately	ultimately	ADV
fbem-31942	49	23	leading	lead	VERB
fbem-31942	49	24	to	to	ADP
fbem-31942	49	25	significant	significant	ADJ
fbem-31942	49	26	losses	loss	NOUN
fbem-31942	49	27	for	for	ADP
fbem-31942	49	28	the	the	DET
fbem-31942	49	29	company	company	NOUN
fbem-31942	49	30	.	.	PUNCT
fbem-31942	50	1	3	3	X
fbem-31942	50	2	.	.	X
fbem-31942	50	3	the	the	DET
fbem-31942	50	4	inadequacy	inadequacy	NOUN
fbem-31942	50	5	of	of	ADP
fbem-31942	50	6	traditional	traditional	ADJ
fbem-31942	50	7	enterprise	enterprise	NOUN
fbem-31942	50	8	risk	risk	NOUN
fbem-31942	50	9	management	management	NOUN
fbem-31942	50	10	systems	system	NOUN
fbem-31942	50	11	traditional	traditional	ADJ
fbem-31942	50	12	corporate	corporate	ADJ
fbem-31942	50	13	risk	risk	NOUN
fbem-31942	50	14	management	management	NOUN
fbem-31942	50	15	systems	system	NOUN
fbem-31942	50	16	are	be	AUX
fbem-31942	50	17	a	a	DET
fbem-31942	50	18	legacy	legacy	NOUN
fbem-31942	50	19	of	of	ADP
fbem-31942	50	20	the	the	DET
fbem-31942	50	21	industrial	industrial	ADJ
fbem-31942	50	22	age	age	NOUN
fbem-31942	50	23	,	,	PUNCT
fbem-31942	50	24	centered	center	VERB
fbem-31942	50	25	around	around	ADP
fbem-31942	50	26	a	a	DET
fbem-31942	50	27	vertical	vertical	ADJ
fbem-31942	50	28	model	model	NOUN
fbem-31942	50	29	of	of	ADP
fbem-31942	50	30	"	"	PUNCT
fbem-31942	50	31	departmentalized	departmentalize	VERB
fbem-31942	50	32	business	business	NOUN
fbem-31942	50	33	management	management	NOUN
fbem-31942	50	34	.	.	PUNCT
fbem-31942	50	35	"	"	PUNCT
fbem-31942	51	1	whether	whether	SCONJ
fbem-31942	51	2	identifying	identify	VERB
fbem-31942	51	3	,	,	PUNCT
fbem-31942	51	4	assessing	assess	VERB
fbem-31942	51	5	,	,	PUNCT
fbem-31942	51	6	or	or	CCONJ
fbem-31942	51	7	controlling	control	VERB
fbem-31942	51	8	risks	risk	NOUN
fbem-31942	51	9	,	,	PUNCT
fbem-31942	51	10	everything	everything	PRON
fbem-31942	51	11	relies	rely	VERB
fbem-31942	51	12	on	on	ADP
fbem-31942	51	13	manual	manual	ADJ
fbem-31942	51	14	effort	effort	NOUN
fbem-31942	51	15	and	and	CCONJ
fbem-31942	51	16	experience	experience	NOUN
fbem-31942	51	17	.	.	PUNCT
fbem-31942	52	1	however	however	ADV
fbem-31942	52	2	,	,	PUNCT
fbem-31942	52	3	fintech	fintech	NOUN
fbem-31942	52	4	has	have	AUX
fbem-31942	52	5	spawned	spawn	VERB
fbem-31942	52	6	a	a	DET
fbem-31942	52	7	host	host	NOUN
fbem-31942	52	8	of	of	ADP
fbem-31942	52	9	new	new	ADJ
fbem-31942	52	10	risks	risk	NOUN
fbem-31942	52	11	,	,	PUNCT
fbem-31942	52	12	and	and	CCONJ
fbem-31942	52	13	this	this	DET
fbem-31942	52	14	legacy	legacy	NOUN
fbem-31942	52	15	system	system	NOUN
fbem-31942	52	16	is	be	AUX
fbem-31942	52	17	no	no	ADV
fbem-31942	52	18	longer	long	ADV
fbem-31942	52	19	able	able	ADJ
fbem-31942	52	20	to	to	PART
fbem-31942	52	21	keep	keep	VERB
fbem-31942	52	22	pace	pace	NOUN
fbem-31942	52	23	.	.	PUNCT
fbem-31942	53	1	the	the	DET
fbem-31942	53	2	problems	problem	NOUN
fbem-31942	53	3	primarily	primarily	ADV
fbem-31942	53	4	arise	arise	VERB
fbem-31942	53	5	in	in	ADP
fbem-31942	53	6	three	three	NUM
fbem-31942	53	7	key	key	ADJ
fbem-31942	53	8	areas	area	NOUN
fbem-31942	53	9	.	.	PUNCT
fbem-31942	54	1	first	first	ADV
fbem-31942	54	2	,	,	PUNCT
fbem-31942	54	3	risk	risk	NOUN
fbem-31942	54	4	identification	identification	NOUN
fbem-31942	54	5	is	be	AUX
fbem-31942	54	6	often	often	ADV
fbem-31942	54	7	slow	slow	ADJ
fbem-31942	54	8	,	,	PUNCT
fbem-31942	54	9	failing	fail	VERB
fbem-31942	54	10	to	to	PART
fbem-31942	54	11	capture	capture	VERB
fbem-31942	54	12	constantly	constantly	ADV
fbem-31942	54	13	evolving	evolve	VERB
fbem-31942	54	14	risks	risk	NOUN
fbem-31942	54	15	.	.	PUNCT
fbem-31942	55	1	traditional	traditional	ADJ
fbem-31942	55	2	approaches	approach	NOUN
fbem-31942	55	3	rely	rely	VERB
fbem-31942	55	4	on	on	ADP
fbem-31942	55	5	manual	manual	ADJ
fbem-31942	55	6	review	review	NOUN
fbem-31942	55	7	of	of	ADP
fbem-31942	55	8	historical	historical	ADJ
fbem-31942	55	9	data	datum	NOUN
fbem-31942	55	10	,	,	PUNCT
fbem-31942	55	11	either	either	CCONJ
fbem-31942	55	12	monthly	monthly	ADJ
fbem-31942	55	13	or	or	CCONJ
fbem-31942	55	14	only	only	ADV
fbem-31942	55	15	issuing	issue	VERB
fbem-31942	55	16	reports	report	NOUN
fbem-31942	55	17	after	after	SCONJ
fbem-31942	55	18	a	a	DET
fbem-31942	55	19	risk	risk	NOUN
fbem-31942	55	20	actually	actually	ADV
fbem-31942	55	21	occurs	occur	VERB
fbem-31942	55	22	.	.	PUNCT
fbem-31942	56	1	however	however	ADV
fbem-31942	56	2	,	,	PUNCT
fbem-31942	56	3	risks	risk	NOUN
fbem-31942	56	4	evolve	evolve	VERB
fbem-31942	56	5	so	so	ADV
fbem-31942	56	6	rapidly	rapidly	ADV
fbem-31942	56	7	under	under	ADP
fbem-31942	56	8	fintech	fintech	NOUN
fbem-31942	56	9	,	,	PUNCT
fbem-31942	56	10	sometimes	sometimes	ADV
fbem-31942	56	11	causing	cause	VERB
fbem-31942	56	12	losses	loss	NOUN
fbem-31942	56	13	moments	moment	NOUN
fbem-31942	56	14	after	after	SCONJ
fbem-31942	56	15	they	they	PRON
fbem-31942	56	16	emerge	emerge	VERB
fbem-31942	56	17	,	,	PUNCT
fbem-31942	56	18	making	make	VERB
fbem-31942	56	19	these	these	DET
fbem-31942	56	20	traditional	traditional	ADJ
fbem-31942	56	21	approaches	approach	NOUN
fbem-31942	56	22	incapable	incapable	ADJ
fbem-31942	56	23	of	of	ADP
fbem-31942	56	24	responding	respond	VERB
fbem-31942	56	25	[	[	X
fbem-31942	56	26	2	2	NUM
fbem-31942	56	27	]	]	PUNCT
fbem-31942	56	28	.	.	PUNCT
fbem-31942	57	1	even	even	ADV
fbem-31942	57	2	more	more	ADV
fbem-31942	57	3	problematic	problematic	ADJ
fbem-31942	57	4	,	,	PUNCT
fbem-31942	57	5	traditional	traditional	ADJ
fbem-31942	57	6	risk	risk	NOUN
fbem-31942	57	7	identification	identification	NOUN
fbem-31942	57	8	focuses	focus	VERB
fbem-31942	57	9	solely	solely	ADV
fbem-31942	57	10	on	on	ADP
fbem-31942	57	11	risks	risk	NOUN
fbem-31942	57	12	within	within	ADP
fbem-31942	57	13	a	a	DET
fbem-31942	57	14	single	single	ADJ
fbem-31942	57	15	business	business	NOUN
fbem-31942	57	16	unit	unit	NOUN
fbem-31942	57	17	.	.	PUNCT
fbem-31942	58	1	risks	risk	NOUN
fbem-31942	58	2	that	that	PRON
fbem-31942	58	3	involve	involve	VERB
fbem-31942	58	4	technology	technology	NOUN
fbem-31942	58	5	,	,	PUNCT
fbem-31942	58	6	data	datum	NOUN
fbem-31942	58	7	,	,	PUNCT
fbem-31942	58	8	and	and	CCONJ
fbem-31942	58	9	compliance	compliance	NOUN
fbem-31942	58	10	must	must	AUX
fbem-31942	58	11	also	also	ADV
fbem-31942	58	12	be	be	AUX
fbem-31942	58	13	considered	consider	VERB
fbem-31942	58	14	.	.	PUNCT
fbem-31942	59	1	because	because	SCONJ
fbem-31942	59	2	each	each	DET
fbem-31942	59	3	department	department	NOUN
fbem-31942	59	4	is	be	AUX
fbem-31942	59	5	responsible	responsible	ADJ
fbem-31942	59	6	for	for	ADP
fbem-31942	59	7	its	its	PRON
fbem-31942	59	8	own	own	ADJ
fbem-31942	59	9	specific	specific	ADJ
fbem-31942	59	10	areas	area	NOUN
fbem-31942	59	11	,	,	PUNCT
fbem-31942	59	12	without	without	ADP
fbem-31942	59	13	a	a	DET
fbem-31942	59	14	coordinated	coordinated	ADJ
fbem-31942	59	15	leadership	leadership	NOUN
fbem-31942	59	16	role	role	NOUN
fbem-31942	59	17	,	,	PUNCT
fbem-31942	59	18	these	these	DET
fbem-31942	59	19	risks	risk	NOUN
fbem-31942	59	20	are	be	AUX
fbem-31942	59	21	often	often	ADV
fbem-31942	59	22	overlooked	overlook	VERB
fbem-31942	59	23	,	,	PUNCT
fbem-31942	59	24	leading	lead	VERB
fbem-31942	59	25	to	to	ADP
fbem-31942	59	26	potential	potential	ADJ
fbem-31942	59	27	failures	failure	NOUN
fbem-31942	59	28	.	.	PUNCT
fbem-31942	60	1	furthermore	furthermore	ADV
fbem-31942	60	2	,	,	PUNCT
fbem-31942	60	3	risk	risk	NOUN
fbem-31942	60	4	assessment	assessment	NOUN
fbem-31942	60	5	methods	method	NOUN
fbem-31942	60	6	are	be	AUX
fbem-31942	60	7	too	too	ADV
fbem-31942	60	8	simplistic	simplistic	ADJ
fbem-31942	60	9	to	to	PART
fbem-31942	60	10	accurately	accurately	ADV
fbem-31942	60	11	assess	assess	VERB
fbem-31942	60	12	the	the	DET
fbem-31942	60	13	risks	risk	NOUN
fbem-31942	60	14	introduced	introduce	VERB
fbem-31942	60	15	by	by	ADP
fbem-31942	60	16	fintech	fintech	NOUN
fbem-31942	60	17	.	.	PUNCT
fbem-31942	61	1	traditional	traditional	ADJ
fbem-31942	61	2	assessments	assessment	NOUN
fbem-31942	61	3	mostly	mostly	ADV
fbem-31942	61	4	rely	rely	VERB
fbem-31942	61	5	on	on	ADP
fbem-31942	61	6	qualitative	qualitative	ADJ
fbem-31942	61	7	analysis	analysis	NOUN
fbem-31942	61	8	,	,	PUNCT
fbem-31942	61	9	often	often	ADV
fbem-31942	61	10	employing	employ	VERB
fbem-31942	61	11	simple	simple	ADJ
fbem-31942	61	12	quantitative	quantitative	ADJ
fbem-31942	61	13	tools	tool	NOUN
fbem-31942	61	14	like	like	ADP
fbem-31942	61	15	risk	risk	NOUN
fbem-31942	61	16	matrices	matrix	NOUN
fbem-31942	61	17	.	.	PUNCT
fbem-31942	62	1	weightings	weighting	NOUN
fbem-31942	62	2	are	be	AUX
fbem-31942	62	3	determined	determine	VERB
fbem-31942	62	4	entirely	entirely	ADV
fbem-31942	62	5	by	by	ADP
fbem-31942	62	6	the	the	DET
fbem-31942	62	7	assessors	assessor	NOUN
fbem-31942	62	8	personal	personal	ADJ
fbem-31942	62	9	experience	experience	NOUN
fbem-31942	62	10	.	.	PUNCT
fbem-31942	63	1	however	however	ADV
fbem-31942	63	2	,	,	PUNCT
fbem-31942	63	3	fintech	fintech	NOUN
fbem-31942	63	4	-	-	PUNCT
fbem-31942	63	5	specific	specific	ADJ
fbem-31942	63	6	risks	risk	NOUN
fbem-31942	63	7	like	like	ADP
fbem-31942	63	8	algorithmic	algorithmic	ADJ
fbem-31942	63	9	and	and	CCONJ
fbem-31942	63	10	data	datum	NOUN
fbem-31942	63	11	risks	risk	NOUN
fbem-31942	63	12	simply	simply	ADV
fbem-31942	63	13	can	can	AUX
fbem-31942	63	14	not	not	PART
fbem-31942	63	15	be	be	AUX
fbem-31942	63	16	quantified	quantify	VERB
fbem-31942	63	17	using	use	VERB
fbem-31942	63	18	this	this	DET
fbem-31942	63	19	approach	approach	NOUN
fbem-31942	63	20	.	.	PUNCT
fbem-31942	64	1	furthermore	furthermore	ADV
fbem-31942	64	2	,	,	PUNCT
fbem-31942	64	3	the	the	DET
fbem-31942	64	4	data	datum	NOUN
fbem-31942	64	5	used	use	VERB
fbem-31942	64	6	for	for	ADP
fbem-31942	64	7	assessments	assessment	NOUN
fbem-31942	64	8	is	be	AUX
fbem-31942	64	9	almost	almost	ADV
fbem-31942	64	10	entirely	entirely	ADV
fbem-31942	64	11	internal	internal	ADJ
fbem-31942	64	12	,	,	PUNCT
fbem-31942	64	13	with	with	ADP
fbem-31942	64	14	no	no	DET
fbem-31942	64	15	integration	integration	NOUN
fbem-31942	64	16	of	of	ADP
fbem-31942	64	17	industry	industry	NOUN
fbem-31942	64	18	risk	risk	NOUN
fbem-31942	64	19	data	datum	NOUN
fbem-31942	64	20	or	or	CCONJ
fbem-31942	64	21	external	external	ADJ
fbem-31942	64	22	data	datum	NOUN
fbem-31942	64	23	related	relate	VERB
fbem-31942	64	24	to	to	ADP
fbem-31942	64	25	technical	technical	ADJ
fbem-31942	64	26	security	security	NOUN
fbem-31942	64	27	.	.	PUNCT
fbem-31942	65	1	this	this	DET
fbem-31942	65	2	results	result	VERB
fbem-31942	65	3	in	in	ADP
fbem-31942	65	4	an	an	DET
fbem-31942	65	5	incomplete	incomplete	ADJ
fbem-31942	65	6	picture	picture	NOUN
fbem-31942	65	7	of	of	ADP
fbem-31942	65	8	the	the	DET
fbem-31942	65	9	risks	risk	NOUN
fbem-31942	65	10	involved	involve	VERB
fbem-31942	65	11	,	,	PUNCT
fbem-31942	65	12	and	and	CCONJ
fbem-31942	65	13	the	the	DET
fbem-31942	65	14	resulting	result	VERB
fbem-31942	65	15	results	result	NOUN
fbem-31942	65	16	are	be	AUX
fbem-31942	65	17	naturally	naturally	ADV
fbem-31942	65	18	far	far	ADV
fbem-31942	65	19	from	from	ADP
fbem-31942	65	20	realistic	realistic	ADJ
fbem-31942	65	21	,	,	PUNCT
fbem-31942	65	22	failing	fail	VERB
fbem-31942	65	23	to	to	PART
fbem-31942	65	24	provide	provide	VERB
fbem-31942	65	25	useful	useful	ADJ
fbem-31942	65	26	guidance	guidance	NOUN
fbem-31942	65	27	for	for	ADP
fbem-31942	65	28	risk	risk	NOUN
fbem-31942	65	29	control	control	NOUN
fbem-31942	65	30	.	.	PUNCT
fbem-31942	66	1	furthermore	furthermore	ADV
fbem-31942	66	2	,	,	PUNCT
fbem-31942	66	3	risk	risk	NOUN
fbem-31942	66	4	control	control	NOUN
fbem-31942	66	5	methods	method	NOUN
fbem-31942	66	6	are	be	AUX
fbem-31942	66	7	overly	overly	ADV
fbem-31942	66	8	rigid	rigid	ADJ
fbem-31942	66	9	and	and	CCONJ
fbem-31942	66	10	inefficient	inefficient	ADJ
fbem-31942	66	11	.	.	PUNCT
fbem-31942	67	1	traditional	traditional	ADJ
fbem-31942	67	2	controls	control	NOUN
fbem-31942	67	3	rely	rely	VERB
fbem-31942	67	4	on	on	ADP
fbem-31942	67	5	either	either	CCONJ
fbem-31942	67	6	manual	manual	ADJ
fbem-31942	67	7	intervention	intervention	NOUN
fbem-31942	67	8	or	or	CCONJ
fbem-31942	67	9	institutionalized	institutionalized	ADJ
fbem-31942	67	10	processes	process	NOUN
fbem-31942	67	11	—	—	PUNCT
fbem-31942	67	12	for	for	ADP
fbem-31942	67	13	example	example	NOUN
fbem-31942	67	14	,	,	PUNCT
fbem-31942	67	15	multiple	multiple	ADJ
fbem-31942	67	16	layers	layer	NOUN
fbem-31942	67	17	of	of	ADP
fbem-31942	67	18	approval	approval	NOUN
fbem-31942	67	19	and	and	CCONJ
fbem-31942	67	20	restrictions	restriction	NOUN
fbem-31942	67	21	on	on	ADP
fbem-31942	67	22	business	business	NOUN
fbem-31942	67	23	scale	scale	NOUN
fbem-31942	67	24	.	.	PUNCT
fbem-31942	68	1	these	these	PRON
fbem-31942	68	2	are	be	AUX
fbem-31942	68	3	reactive	reactive	ADJ
fbem-31942	68	4	and	and	CCONJ
fbem-31942	68	5	slow	slow	ADJ
fbem-31942	68	6	,	,	PUNCT
fbem-31942	68	7	unable	unable	ADJ
fbem-31942	68	8	to	to	PART
fbem-31942	68	9	keep	keep	VERB
fbem-31942	68	10	up	up	ADP
fbem-31942	68	11	with	with	ADP
fbem-31942	68	12	the	the	DET
fbem-31942	68	13	rapidly	rapidly	ADV
fbem-31942	68	14	evolving	evolve	VERB
fbem-31942	68	15	nature	nature	NOUN
fbem-31942	68	16	of	of	ADP
fbem-31942	68	17	fintech	fintech	NOUN
fbem-31942	68	18	risks	risk	NOUN
fbem-31942	68	19	.	.	PUNCT
fbem-31942	69	1	more	more	ADV
fbem-31942	69	2	critically	critically	ADV
fbem-31942	69	3	,	,	PUNCT
fbem-31942	69	4	they	they	PRON
fbem-31942	69	5	lack	lack	VERB
fbem-31942	69	6	technological	technological	ADJ
fbem-31942	69	7	assistance	assistance	NOUN
fbem-31942	69	8	.	.	PUNCT
fbem-31942	70	1	even	even	ADV
fbem-31942	70	2	when	when	SCONJ
fbem-31942	70	3	companies	company	NOUN
fbem-31942	70	4	have	have	AUX
fbem-31942	70	5	implemented	implement	VERB
fbem-31942	70	6	big	big	ADJ
fbem-31942	70	7	data	datum	NOUN
fbem-31942	70	8	risk	risk	NOUN
fbem-31942	70	9	control	control	NOUN
fbem-31942	70	10	systems	system	NOUN
fbem-31942	70	11	,	,	PUNCT
fbem-31942	70	12	they	they	PRON
fbem-31942	70	13	often	often	ADV
fbem-31942	70	14	fail	fail	VERB
fbem-31942	70	15	to	to	PART
fbem-31942	70	16	fully	fully	ADV
fbem-31942	70	17	integrate	integrate	VERB
fbem-31942	70	18	them	they	PRON
fbem-31942	70	19	with	with	ADP
fbem-31942	70	20	existing	exist	VERB
fbem-31942	70	21	manual	manual	ADJ
fbem-31942	70	22	processes	process	NOUN
fbem-31942	70	23	.	.	PUNCT
fbem-31942	71	1	risk	risk	NOUN
fbem-31942	71	2	alerts	alert	NOUN
fbem-31942	71	3	issued	issue	VERB
fbem-31942	71	4	by	by	ADP
fbem-31942	71	5	the	the	DET
fbem-31942	71	6	system	system	NOUN
fbem-31942	71	7	are	be	AUX
fbem-31942	71	8	not	not	PART
fbem-31942	71	9	followed	follow	VERB
fbem-31942	71	10	up	up	ADP
fbem-31942	71	11	on	on	ADP
fbem-31942	71	12	,	,	PUNCT
fbem-31942	71	13	leading	lead	VERB
fbem-31942	71	14	to	to	ADP
fbem-31942	71	15	the	the	DET
fbem-31942	71	16	inevitable	inevitable	ADJ
fbem-31942	71	17	bad	bad	ADJ
fbem-31942	71	18	debts	debt	NOUN
fbem-31942	71	19	and	and	CCONJ
fbem-31942	71	20	losses	loss	NOUN
fbem-31942	71	21	.	.	PUNCT
fbem-31942	72	1	the	the	DET
fbem-31942	72	2	risk	risk	NOUN
fbem-31942	72	3	control	control	NOUN
fbem-31942	72	4	system	system	NOUN
fbem-31942	72	5	remains	remain	VERB
fbem-31942	72	6	largely	largely	ADV
fbem-31942	72	7	ineffective	ineffective	ADJ
fbem-31942	72	8	,	,	PUNCT
fbem-31942	72	9	practically	practically	ADV
fbem-31942	72	10	useless	useless	ADJ
fbem-31942	72	11	.	.	PUNCT
fbem-31942	73	1	4	4	X
fbem-31942	73	2	.	.	X
fbem-31942	73	3	technical	technical	ADJ
fbem-31942	73	4	security	security	NOUN
fbem-31942	73	5	and	and	CCONJ
fbem-31942	73	6	data	datum	NOUN
fbem-31942	73	7	compliance	compliance	NOUN
fbem-31942	73	8	risks	risk	NOUN
fbem-31942	73	9	in	in	ADP
fbem-31942	73	10	fintech	fintech	NOUN
fbem-31942	73	11	applications	application	NOUN
fbem-31942	73	12	fintechs	fintech	NOUN
fbem-31942	73	13	core	core	NOUN
fbem-31942	73	14	lies	lie	VERB
fbem-31942	73	15	in	in	ADP
fbem-31942	73	16	technology	technology	NOUN
fbem-31942	73	17	.	.	PUNCT
fbem-31942	74	1	for	for	SCONJ
fbem-31942	74	2	businesses	business	NOUN
fbem-31942	74	3	to	to	PART
fbem-31942	74	4	successfully	successfully	ADV
fbem-31942	74	5	utilize	utilize	VERB
fbem-31942	74	6	it	it	PRON
fbem-31942	74	7	,	,	PUNCT
fbem-31942	74	8	technical	technical	ADJ
fbem-31942	74	9	security	security	NOUN
fbem-31942	74	10	and	and	CCONJ
fbem-31942	74	11	data	datum	NOUN
fbem-31942	74	12	compliance	compliance	NOUN
fbem-31942	74	13	are	be	AUX
fbem-31942	74	14	essential	essential	ADJ
fbem-31942	74	15	foundations	foundation	NOUN
fbem-31942	74	16	—	—	PUNCT
fbem-31942	74	17	yet	yet	CCONJ
fbem-31942	74	18	these	these	DET
fbem-31942	74	19	two	two	NUM
fbem-31942	74	20	areas	area	NOUN
fbem-31942	74	21	have	have	AUX
fbem-31942	74	22	become	become	VERB
fbem-31942	74	23	the	the	DET
fbem-31942	74	24	most	most	ADV
fbem-31942	74	25	vexing	vexing	ADJ
fbem-31942	74	26	issues	issue	NOUN
fbem-31942	74	27	in	in	ADP
fbem-31942	74	28	risk	risk	NOUN
fbem-31942	74	29	management	management	NOUN
fbem-31942	74	30	.	.	PUNCT
fbem-31942	75	1	many	many	ADJ
fbem-31942	75	2	companies	company	NOUN
fbem-31942	75	3	consistently	consistently	ADV
fbem-31942	75	4	encounter	encounter	VERB
fbem-31942	75	5	problems	problem	NOUN
fbem-31942	75	6	in	in	ADP
fbem-31942	75	7	these	these	DET
fbem-31942	75	8	areas	area	NOUN
fbem-31942	75	9	,	,	PUNCT
fbem-31942	75	10	ultimately	ultimately	ADV
fbem-31942	75	11	stemming	stem	VERB
fbem-31942	75	12	from	from	ADP
fbem-31942	75	13	two	two	NUM
fbem-31942	75	14	root	root	NOUN
fbem-31942	75	15	causes	cause	NOUN
fbem-31942	75	16	:	:	PUNCT
fbem-31942	75	17	a	a	DET
fbem-31942	75	18	technical	technical	ADJ
fbem-31942	75	19	architecture	architecture	NOUN
fbem-31942	75	20	that	that	PRON
fbem-31942	75	21	ca	can	AUX
fbem-31942	75	22	nt	not	PART
fbem-31942	75	23	withstand	withstand	VERB
fbem-31942	75	24	risk	risk	NOUN
fbem-31942	75	25	,	,	PUNCT
fbem-31942	75	26	and	and	CCONJ
fbem-31942	75	27	a	a	DET
fbem-31942	75	28	lack	lack	NOUN
fbem-31942	75	29	of	of	ADP
fbem-31942	75	30	effective	effective	ADJ
fbem-31942	75	31	data	datum	NOUN
fbem-31942	75	32	governance	governance	NOUN
fbem-31942	75	33	.	.	PUNCT
fbem-31942	76	1	a	a	DET
fbem-31942	76	2	weak	weak	ADJ
fbem-31942	76	3	technical	technical	ADJ
fbem-31942	76	4	architecture	architecture	NOUN
fbem-31942	76	5	immediately	immediately	ADV
fbem-31942	76	6	increases	increase	VERB
fbem-31942	76	7	security	security	NOUN
fbem-31942	76	8	risks	risk	NOUN
fbem-31942	76	9	.	.	PUNCT
fbem-31942	77	1	fintech	fintech	NOUN
fbem-31942	77	2	relies	rely	VERB
fbem-31942	77	3	on	on	ADP
fbem-31942	77	4	cloud	cloud	ADJ
fbem-31942	77	5	computing	computing	NOUN
fbem-31942	77	6	,	,	PUNCT
fbem-31942	77	7	big	big	ADJ
fbem-31942	77	8	data	datum	NOUN
fbem-31942	77	9	platforms	platform	NOUN
fbem-31942	77	10	,	,	PUNCT
fbem-31942	77	11	and	and	CCONJ
fbem-31942	77	12	ai	ai	VERB
fbem-31942	77	13	algorithms	algorithm	NOUN
fbem-31942	77	14	to	to	PART
fbem-31942	77	15	build	build	VERB
fbem-31942	77	16	a	a	DET
fbem-31942	77	17	complex	complex	ADJ
fbem-31942	77	18	framework	framework	NOUN
fbem-31942	77	19	.	.	PUNCT
fbem-31942	78	1	if	if	SCONJ
fbem-31942	78	2	security	security	NOUN
fbem-31942	78	3	is	be	AUX
fbem-31942	78	4	nt	not	PART
fbem-31942	78	5	prioritized	prioritize	VERB
fbem-31942	78	6	during	during	ADP
fbem-31942	78	7	design	design	NOUN
fbem-31942	78	8	or	or	CCONJ
fbem-31942	78	9	if	if	SCONJ
fbem-31942	78	10	safeguards	safeguard	NOUN
fbem-31942	78	11	are	be	AUX
fbem-31942	78	12	nt	not	PART
fbem-31942	78	13	implemented	implement	VERB
fbem-31942	78	14	effectively	effectively	ADV
fbem-31942	78	15	,	,	PUNCT
fbem-31942	78	16	vulnerabilities	vulnerability	NOUN
fbem-31942	78	17	are	be	AUX
fbem-31942	78	18	easily	easily	ADV
fbem-31942	78	19	left	leave	VERB
fbem-31942	78	20	untouched	untouched	ADJ
fbem-31942	78	21	.	.	PUNCT
fbem-31942	79	1	to	to	PART
fbem-31942	79	2	reduce	reduce	VERB
fbem-31942	79	3	costs	cost	NOUN
fbem-31942	79	4	,	,	PUNCT
fbem-31942	79	5	many	many	ADJ
fbem-31942	79	6	companies	company	NOUN
fbem-31942	79	7	favor	favor	VERB
fbem-31942	79	8	a	a	DET
fbem-31942	79	9	"	"	PUNCT
fbem-31942	79	10	open	open	ADJ
fbem-31942	79	11	source	source	NOUN
fbem-31942	79	12	technology	technology	NOUN
fbem-31942	79	13	+	+	CCONJ
fbem-31942	79	14	third	third	ADJ
fbem-31942	79	15	-	-	PUNCT
fbem-31942	79	16	party	party	NOUN
fbem-31942	79	17	services	service	NOUN
fbem-31942	79	18	"	"	PUNCT
fbem-31942	79	19	approach	approach	NOUN
fbem-31942	79	20	.	.	PUNCT
fbem-31942	80	1	open	open	ADJ
fbem-31942	80	2	source	source	NOUN
fbem-31942	80	3	may	may	AUX
fbem-31942	80	4	appear	appear	VERB
fbem-31942	80	5	cheap	cheap	ADJ
fbem-31942	80	6	and	and	CCONJ
fbem-31942	80	7	flexible	flexible	ADJ
fbem-31942	80	8	,	,	PUNCT
fbem-31942	80	9	but	but	CCONJ
fbem-31942	80	10	without	without	ADP
fbem-31942	80	11	code	code	NOUN
fbem-31942	80	12	security	security	NOUN
fbem-31942	80	13	reviews	review	NOUN
fbem-31942	80	14	,	,	PUNCT
fbem-31942	80	15	hidden	hide	VERB
fbem-31942	80	16	vulnerabilities	vulnerability	NOUN
fbem-31942	80	17	can	can	AUX
fbem-31942	80	18	go	go	VERB
fbem-31942	80	19	undetected	undetected	ADJ
fbem-31942	80	20	.	.	PUNCT
fbem-31942	81	1	third	third	ADJ
fbem-31942	81	2	-	-	PUNCT
fbem-31942	81	3	party	party	NOUN
fbem-31942	81	4	services	service	NOUN
fbem-31942	81	5	also	also	ADV
fbem-31942	81	6	offer	offer	VERB
fbem-31942	81	7	far	far	ADV
fbem-31942	81	8	inferior	inferior	ADJ
fbem-31942	81	9	protection	protection	NOUN
fbem-31942	81	10	levels	level	NOUN
fbem-31942	81	11	,	,	PUNCT
fbem-31942	81	12	leaving	leave	VERB
fbem-31942	81	13	the	the	DET
fbem-31942	81	14	ability	ability	NOUN
fbem-31942	81	15	to	to	PART
fbem-31942	81	16	withstand	withstand	VERB
fbem-31942	81	17	risk	risk	NOUN
fbem-31942	81	18	largely	largely	ADV
fbem-31942	81	19	a	a	DET
fbem-31942	81	20	matter	matter	NOUN
fbem-31942	81	21	of	of	ADP
fbem-31942	81	22	luck	luck	NOUN
fbem-31942	81	23	.	.	PUNCT
fbem-31942	82	1	even	even	ADV
fbem-31942	82	2	more	more	ADV
fbem-31942	82	3	problematic	problematic	ADJ
fbem-31942	82	4	,	,	PUNCT
fbem-31942	82	5	when	when	SCONJ
fbem-31942	82	6	businesses	business	NOUN
fbem-31942	82	7	embark	embark	VERB
fbem-31942	82	8	on	on	ADP
fbem-31942	82	9	digital	digital	ADJ
fbem-31942	82	10	transformation	transformation	NOUN
fbem-31942	82	11	,	,	PUNCT
fbem-31942	82	12	they	they	PRON
fbem-31942	82	13	often	often	ADV
fbem-31942	82	14	purchase	purchase	VERB
fbem-31942	82	15	systems	system	NOUN
fbem-31942	82	16	from	from	ADP
fbem-31942	82	17	various	various	ADJ
fbem-31942	82	18	service	service	NOUN
fbem-31942	82	19	providers	provider	NOUN
fbem-31942	82	20	—	—	PUNCT
fbem-31942	82	21	for	for	ADP
fbem-31942	82	22	example	example	NOUN
fbem-31942	82	23	,	,	PUNCT
fbem-31942	82	24	one	one	NUM
fbem-31942	82	25	for	for	ADP
fbem-31942	82	26	cloud	cloud	NOUN
fbem-31942	82	27	computing	computing	NOUN
fbem-31942	82	28	,	,	PUNCT
fbem-31942	82	29	another	another	PRON
fbem-31942	82	30	for	for	ADP
fbem-31942	82	31	risk	risk	NOUN
fbem-31942	82	32	control	control	NOUN
fbem-31942	82	33	,	,	PUNCT
fbem-31942	82	34	and	and	CCONJ
fbem-31942	82	35	yet	yet	ADV
fbem-31942	82	36	another	another	PRON
fbem-31942	82	37	for	for	ADP
fbem-31942	82	38	payment	payment	NOUN
fbem-31942	82	39	systems	system	NOUN
fbem-31942	82	40	.	.	PUNCT
fbem-31942	83	1	these	these	DET
fbem-31942	83	2	systems	system	NOUN
fbem-31942	83	3	lack	lack	VERB
fbem-31942	83	4	unified	unified	ADJ
fbem-31942	83	5	security	security	NOUN
fbem-31942	83	6	standards	standard	NOUN
fbem-31942	83	7	and	and	CCONJ
fbem-31942	83	8	incompatible	incompatible	ADJ
fbem-31942	83	9	data	datum	NOUN
fbem-31942	83	10	interfaces	interface	NOUN
fbem-31942	83	11	,	,	PUNCT
fbem-31942	83	12	resulting	result	VERB
fbem-31942	83	13	in	in	ADP
fbem-31942	83	14	isolated	isolated	ADJ
fbem-31942	83	15	"	"	PUNCT
fbem-31942	83	16	information	information	NOUN
fbem-31942	83	17	silos	silo	NOUN
fbem-31942	83	18	.	.	PUNCT
fbem-31942	83	19	"	"	PUNCT
fbem-31942	84	1	if	if	SCONJ
fbem-31942	84	2	data	datum	NOUN
fbem-31942	84	3	is	be	AUX
fbem-31942	84	4	nt	not	PART
fbem-31942	84	5	encrypted	encrypt	VERB
fbem-31942	84	6	when	when	SCONJ
fbem-31942	84	7	transferred	transfer	VERB
fbem-31942	84	8	between	between	ADP
fbem-31942	84	9	these	these	DET
fbem-31942	84	10	systems	system	NOUN
fbem-31942	84	11	,	,	PUNCT
fbem-31942	84	12	it	it	PRON
fbem-31942	84	13	can	can	AUX
fbem-31942	84	14	easily	easily	ADV
fbem-31942	84	15	be	be	AUX
fbem-31942	84	16	intercepted	intercept	VERB
fbem-31942	84	17	and	and	CCONJ
fbem-31942	84	18	altered	alter	VERB
fbem-31942	84	19	,	,	PUNCT
fbem-31942	84	20	ultimately	ultimately	ADV
fbem-31942	84	21	causing	cause	VERB
fbem-31942	84	22	significant	significant	ADJ
fbem-31942	84	23	losses	loss	NOUN
fbem-31942	84	24	[	[	X
fbem-31942	84	25	3	3	NUM
fbem-31942	84	26	]	]	PUNCT
fbem-31942	84	27	.	.	PUNCT
fbem-31942	85	1	with	with	ADP
fbem-31942	85	2	increasingly	increasingly	ADV
fbem-31942	85	3	stringent	stringent	ADJ
fbem-31942	85	4	regulations	regulation	NOUN
fbem-31942	85	5	,	,	PUNCT
fbem-31942	85	6	data	datum	NOUN
fbem-31942	85	7	compliance	compliance	NOUN
fbem-31942	85	8	risks	risk	NOUN
fbem-31942	85	9	are	be	AUX
fbem-31942	85	10	becoming	become	VERB
fbem-31942	85	11	increasingly	increasingly	ADV
fbem-31942	85	12	apparent	apparent	ADJ
fbem-31942	85	13	.	.	PUNCT
fbem-31942	86	1	since	since	SCONJ
fbem-31942	86	2	the	the	DET
fbem-31942	86	3	implementation	implementation	NOUN
fbem-31942	86	4	of	of	ADP
fbem-31942	86	5	the	the	DET
fbem-31942	86	6	data	data	NOUN
fbem-31942	86	7	security	security	NOUN
fbem-31942	86	8	law	law	NOUN
fbem-31942	86	9	and	and	CCONJ
fbem-31942	86	10	the	the	DET
fbem-31942	86	11	personal	personal	ADJ
fbem-31942	86	12	information	information	NOUN
fbem-31942	86	13	protection	protection	NOUN
fbem-31942	86	14	law	law	NOUN
fbem-31942	86	15	,	,	PUNCT
fbem-31942	86	16	data	datum	NOUN
fbem-31942	86	17	management	management	NOUN
fbem-31942	86	18	requirements	requirement	NOUN
fbem-31942	86	19	for	for	ADP
fbem-31942	86	20	businesses	business	NOUN
fbem-31942	86	21	have	have	AUX
fbem-31942	86	22	become	become	VERB
fbem-31942	86	23	significantly	significantly	ADV
fbem-31942	86	24	stricter	strict	ADJ
fbem-31942	86	25	.	.	PUNCT
fbem-31942	87	1	however	however	ADV
fbem-31942	87	2	,	,	PUNCT
fbem-31942	87	3	many	many	ADJ
fbem-31942	87	4	companies	company	NOUN
fbem-31942	87	5	have	have	AUX
fbem-31942	87	6	nt	not	PART
fbem-31942	87	7	kept	keep	VERB
fbem-31942	87	8	pace	pace	NOUN
fbem-31942	87	9	with	with	ADP
fbem-31942	87	10	compliance	compliance	NOUN
fbem-31942	87	11	,	,	PUNCT
fbem-31942	87	12	and	and	CCONJ
fbem-31942	87	13	management	management	NOUN
fbem-31942	87	14	remains	remain	VERB
fbem-31942	87	15	disorganized	disorganized	ADJ
fbem-31942	87	16	.	.	PUNCT
fbem-31942	88	1	take	take	VERB
fbem-31942	88	2	data	data	NOUN
fbem-31942	88	3	collection	collection	NOUN
fbem-31942	88	4	,	,	PUNCT
fbem-31942	88	5	for	for	ADP
fbem-31942	88	6	example	example	NOUN
fbem-31942	88	7	.	.	PUNCT
fbem-31942	89	1	many	many	ADJ
fbem-31942	89	2	companies	company	NOUN
fbem-31942	89	3	are	be	AUX
fbem-31942	89	4	obsessed	obsess	VERB
fbem-31942	89	5	with	with	ADP
fbem-31942	89	6	accumulating	accumulate	VERB
fbem-31942	89	7	more	more	ADJ
fbem-31942	89	8	data	datum	NOUN
fbem-31942	89	9	,	,	PUNCT
fbem-31942	89	10	either	either	CCONJ
fbem-31942	89	11	collecting	collect	VERB
fbem-31942	89	12	unnecessary	unnecessary	ADJ
fbem-31942	89	13	information	information	NOUN
fbem-31942	89	14	beyond	beyond	ADP
fbem-31942	89	15	their	their	PRON
fbem-31942	89	16	scope	scope	NOUN
fbem-31942	89	17	or	or	CCONJ
fbem-31942	89	18	secretly	secretly	ADV
fbem-31942	89	19	collecting	collect	VERB
fbem-31942	89	20	it	it	PRON
fbem-31942	89	21	without	without	ADP
fbem-31942	89	22	user	user	NOUN
fbem-31942	89	23	consent	consent	NOUN
fbem-31942	89	24	.	.	PUNCT
fbem-31942	90	1	this	this	PRON
fbem-31942	90	2	completely	completely	ADV
fbem-31942	90	3	ignores	ignore	VERB
fbem-31942	90	4	the	the	DET
fbem-31942	90	5	principle	principle	NOUN
fbem-31942	90	6	of	of	ADP
fbem-31942	90	7	"	"	PUNCT
fbem-31942	90	8	minimum	minimum	ADJ
fbem-31942	90	9	necessary	necessary	ADJ
fbem-31942	90	10	"	"	PUNCT
fbem-31942	90	11	—	—	PUNCT
fbem-31942	90	12	3	3	NUM
fbem-31942	90	13	they	they	PRON
fbem-31942	90	14	should	should	AUX
fbem-31942	90	15	collect	collect	VERB
fbem-31942	90	16	only	only	ADV
fbem-31942	90	17	what	what	PRON
fbem-31942	90	18	is	be	AUX
fbem-31942	90	19	actually	actually	ADV
fbem-31942	90	20	needed	need	VERB
fbem-31942	90	21	.	.	PUNCT
fbem-31942	91	1	instead	instead	ADV
fbem-31942	91	2	,	,	PUNCT
fbem-31942	91	3	they	they	PRON
fbem-31942	91	4	seek	seek	VERB
fbem-31942	91	5	to	to	PART
fbem-31942	91	6	collect	collect	VERB
fbem-31942	91	7	more	more	ADJ
fbem-31942	91	8	than	than	ADP
fbem-31942	91	9	necessary	necessary	ADJ
fbem-31942	91	10	,	,	PUNCT
fbem-31942	91	11	violating	violate	VERB
fbem-31942	91	12	compliance	compliance	NOUN
fbem-31942	91	13	regulations	regulation	NOUN
fbem-31942	91	14	and	and	CCONJ
fbem-31942	91	15	unnecessarily	unnecessarily	ADV
fbem-31942	91	16	increasing	increase	VERB
fbem-31942	91	17	risks	risk	NOUN
fbem-31942	91	18	,	,	PUNCT
fbem-31942	91	19	leaving	leave	VERB
fbem-31942	91	20	them	they	PRON
fbem-31942	91	21	scrambling	scramble	VERB
fbem-31942	91	22	when	when	SCONJ
fbem-31942	91	23	problems	problem	NOUN
fbem-31942	91	24	arise	arise	VERB
fbem-31942	91	25	.	.	PUNCT
fbem-31942	92	1	furthermore	furthermore	ADV
fbem-31942	92	2	,	,	PUNCT
fbem-31942	92	3	in	in	ADP
fbem-31942	92	4	the	the	DET
fbem-31942	92	5	storage	storage	NOUN
fbem-31942	92	6	process	process	NOUN
fbem-31942	92	7	,	,	PUNCT
fbem-31942	92	8	sensitive	sensitive	ADJ
fbem-31942	92	9	data	datum	NOUN
fbem-31942	92	10	is	be	AUX
fbem-31942	92	11	not	not	PART
fbem-31942	92	12	encrypted	encrypt	VERB
fbem-31942	92	13	and	and	CCONJ
fbem-31942	92	14	regularly	regularly	ADV
fbem-31942	92	15	tested	test	VERB
fbem-31942	92	16	for	for	ADP
fbem-31942	92	17	security	security	NOUN
fbem-31942	92	18	,	,	PUNCT
fbem-31942	92	19	leaving	leave	VERB
fbem-31942	92	20	servers	server	NOUN
fbem-31942	92	21	like	like	ADP
fbem-31942	92	22	unlocked	unlocked	ADJ
fbem-31942	92	23	warehouses	warehouse	NOUN
fbem-31942	92	24	,	,	PUNCT
fbem-31942	92	25	easily	easily	ADV
fbem-31942	92	26	accessible	accessible	ADJ
fbem-31942	92	27	to	to	ADP
fbem-31942	92	28	hackers	hacker	NOUN
fbem-31942	92	29	.	.	PUNCT
fbem-31942	93	1	usage	usage	NOUN
fbem-31942	93	2	is	be	AUX
fbem-31942	93	3	even	even	ADV
fbem-31942	93	4	more	more	ADV
fbem-31942	93	5	haphazard	haphazard	ADJ
fbem-31942	93	6	,	,	PUNCT
fbem-31942	93	7	with	with	ADP
fbem-31942	93	8	data	datum	NOUN
fbem-31942	93	9	originally	originally	ADV
fbem-31942	93	10	intended	intend	VERB
fbem-31942	93	11	for	for	ADP
fbem-31942	93	12	internal	internal	ADJ
fbem-31942	93	13	credit	credit	NOUN
fbem-31942	93	14	assessments	assessment	NOUN
fbem-31942	93	15	being	be	AUX
fbem-31942	93	16	transferred	transfer	VERB
fbem-31942	93	17	to	to	ADP
fbem-31942	93	18	third	third	ADJ
fbem-31942	93	19	parties	party	NOUN
fbem-31942	93	20	for	for	ADP
fbem-31942	93	21	marketing	marketing	NOUN
fbem-31942	93	22	purposes	purpose	NOUN
fbem-31942	93	23	,	,	PUNCT
fbem-31942	93	24	completely	completely	ADV
fbem-31942	93	25	violating	violate	VERB
fbem-31942	93	26	the	the	DET
fbem-31942	93	27	principle	principle	NOUN
fbem-31942	93	28	of	of	ADP
fbem-31942	93	29	"	"	PUNCT
fbem-31942	93	30	purpose	purpose	NOUN
fbem-31942	93	31	-	-	PUNCT
fbem-31942	93	32	based	base	VERB
fbem-31942	93	33	"	"	PUNCT
fbem-31942	93	34	data	datum	NOUN
fbem-31942	93	35	use	use	NOUN
fbem-31942	93	36	.	.	PUNCT
fbem-31942	94	1	ultimately	ultimately	ADV
fbem-31942	94	2	,	,	PUNCT
fbem-31942	94	3	not	not	PART
fbem-31942	94	4	only	only	ADV
fbem-31942	94	5	will	will	AUX
fbem-31942	94	6	regulators	regulator	NOUN
fbem-31942	94	7	summon	summon	ADJ
fbem-31942	94	8	companies	company	NOUN
fbem-31942	94	9	,	,	PUNCT
fbem-31942	94	10	require	require	VERB
fbem-31942	94	11	them	they	PRON
fbem-31942	94	12	to	to	PART
fbem-31942	94	13	make	make	VERB
fbem-31942	94	14	corrections	correction	NOUN
fbem-31942	94	15	,	,	PUNCT
fbem-31942	94	16	or	or	CCONJ
fbem-31942	94	17	even	even	ADV
fbem-31942	94	18	impose	impose	VERB
fbem-31942	94	19	fines	fine	NOUN
fbem-31942	94	20	,	,	PUNCT
fbem-31942	94	21	but	but	CCONJ
fbem-31942	94	22	their	their	PRON
fbem-31942	94	23	brand	brand	NOUN
fbem-31942	94	24	image	image	NOUN
fbem-31942	94	25	will	will	AUX
fbem-31942	94	26	also	also	ADV
fbem-31942	94	27	be	be	AUX
fbem-31942	94	28	damaged	damage	VERB
fbem-31942	94	29	.	.	PUNCT
fbem-31942	95	1	5	5	X
fbem-31942	95	2	.	.	X
fbem-31942	95	3	regulatory	regulatory	ADJ
fbem-31942	95	4	challenges	challenge	NOUN
fbem-31942	95	5	faced	face	VERB
fbem-31942	95	6	by	by	ADP
fbem-31942	95	7	companies	company	NOUN
fbem-31942	95	8	in	in	ADP
fbem-31942	95	9	the	the	DET
fbem-31942	95	10	fintech	fintech	NOUN
fbem-31942	95	11	context	context	NOUN
fbem-31942	95	12	fintech	fintech	NOUN
fbem-31942	95	13	has	have	AUX
fbem-31942	95	14	disrupted	disrupt	VERB
fbem-31942	95	15	traditional	traditional	ADJ
fbem-31942	95	16	business	business	NOUN
fbem-31942	95	17	boundaries	boundary	NOUN
fbem-31942	95	18	and	and	CCONJ
fbem-31942	95	19	accelerated	accelerate	VERB
fbem-31942	95	20	the	the	DET
fbem-31942	95	21	pace	pace	NOUN
fbem-31942	95	22	of	of	ADP
fbem-31942	95	23	business	business	NOUN
fbem-31942	95	24	model	model	NOUN
fbem-31942	95	25	innovation	innovation	NOUN
fbem-31942	95	26	.	.	PUNCT
fbem-31942	96	1	traditional	traditional	ADJ
fbem-31942	96	2	regulatory	regulatory	ADJ
fbem-31942	96	3	systems	system	NOUN
fbem-31942	96	4	struggle	struggle	VERB
fbem-31942	96	5	to	to	PART
fbem-31942	96	6	fully	fully	ADV
fbem-31942	96	7	cover	cover	VERB
fbem-31942	96	8	these	these	DET
fbem-31942	96	9	challenges	challenge	NOUN
fbem-31942	96	10	,	,	PUNCT
fbem-31942	96	11	forcing	force	VERB
fbem-31942	96	12	regulators	regulator	NOUN
fbem-31942	96	13	to	to	PART
fbem-31942	96	14	adjust	adjust	VERB
fbem-31942	96	15	their	their	PRON
fbem-31942	96	16	strategies	strategy	NOUN
fbem-31942	96	17	and	and	CCONJ
fbem-31942	96	18	build	build	VERB
fbem-31942	96	19	a	a	DET
fbem-31942	96	20	dynamic	dynamic	ADJ
fbem-31942	96	21	and	and	CCONJ
fbem-31942	96	22	differentiated	differentiated	ADJ
fbem-31942	96	23	regulatory	regulatory	ADJ
fbem-31942	96	24	framework	framework	NOUN
fbem-31942	96	25	.	.	PUNCT
fbem-31942	97	1	this	this	PRON
fbem-31942	97	2	,	,	PUNCT
fbem-31942	97	3	in	in	ADP
fbem-31942	97	4	turn	turn	NOUN
fbem-31942	97	5	,	,	PUNCT
fbem-31942	97	6	presents	present	VERB
fbem-31942	97	7	new	new	ADJ
fbem-31942	97	8	challenges	challenge	NOUN
fbem-31942	97	9	for	for	ADP
fbem-31942	97	10	corporate	corporate	ADJ
fbem-31942	97	11	risk	risk	NOUN
fbem-31942	97	12	management	management	NOUN
fbem-31942	97	13	,	,	PUNCT
fbem-31942	97	14	primarily	primarily	ADV
fbem-31942	97	15	in	in	ADP
fbem-31942	97	16	the	the	DET
fbem-31942	97	17	areas	area	NOUN
fbem-31942	97	18	of	of	ADP
fbem-31942	97	19	rapid	rapid	ADJ
fbem-31942	97	20	policy	policy	NOUN
fbem-31942	97	21	updates	update	NOUN
fbem-31942	97	22	,	,	PUNCT
fbem-31942	97	23	inconsistent	inconsistent	ADJ
fbem-31942	97	24	standards	standard	NOUN
fbem-31942	97	25	,	,	PUNCT
fbem-31942	97	26	and	and	CCONJ
fbem-31942	97	27	difficulty	difficulty	NOUN
fbem-31942	97	28	in	in	ADP
fbem-31942	97	29	cross	cross	ADJ
fbem-31942	97	30	-	-	ADJ
fbem-31942	97	31	border	border	ADJ
fbem-31942	97	32	oversight	oversight	NOUN
fbem-31942	97	33	.	.	PUNCT
fbem-31942	98	1	frequent	frequent	ADJ
fbem-31942	98	2	regulatory	regulatory	ADJ
fbem-31942	98	3	policy	policy	NOUN
fbem-31942	98	4	updates	update	NOUN
fbem-31942	98	5	significantly	significantly	ADV
fbem-31942	98	6	increase	increase	VERB
fbem-31942	98	7	the	the	DET
fbem-31942	98	8	difficulty	difficulty	NOUN
fbem-31942	98	9	for	for	SCONJ
fbem-31942	98	10	companies	company	NOUN
fbem-31942	98	11	to	to	PART
fbem-31942	98	12	comply	comply	VERB
fbem-31942	98	13	.	.	PUNCT
fbem-31942	99	1	to	to	PART
fbem-31942	99	2	address	address	VERB
fbem-31942	99	3	the	the	DET
fbem-31942	99	4	risks	risk	NOUN
fbem-31942	99	5	associated	associate	VERB
fbem-31942	99	6	with	with	ADP
fbem-31942	99	7	fintech	fintech	NOUN
fbem-31942	99	8	,	,	PUNCT
fbem-31942	99	9	regulatory	regulatory	ADJ
fbem-31942	99	10	policies	policy	NOUN
fbem-31942	99	11	must	must	AUX
fbem-31942	99	12	keep	keep	VERB
fbem-31942	99	13	pace	pace	NOUN
fbem-31942	99	14	with	with	ADP
fbem-31942	99	15	technological	technological	ADJ
fbem-31942	99	16	advancements	advancement	NOUN
fbem-31942	99	17	and	and	CCONJ
fbem-31942	99	18	business	business	NOUN
fbem-31942	99	19	changes	change	NOUN
fbem-31942	99	20	,	,	PUNCT
fbem-31942	99	21	resulting	result	VERB
fbem-31942	99	22	in	in	ADP
fbem-31942	99	23	frequent	frequent	ADJ
fbem-31942	99	24	and	and	CCONJ
fbem-31942	99	25	rapid	rapid	ADJ
fbem-31942	99	26	policy	policy	NOUN
fbem-31942	99	27	adjustments	adjustment	NOUN
fbem-31942	99	28	.	.	PUNCT
fbem-31942	100	1	for	for	ADP
fbem-31942	100	2	example	example	NOUN
fbem-31942	100	3	,	,	PUNCT
fbem-31942	100	4	between	between	ADP
fbem-31942	100	5	2021	2021	NUM
fbem-31942	100	6	and	and	CCONJ
fbem-31942	100	7	2023	2023	NUM
fbem-31942	100	8	,	,	PUNCT
fbem-31942	100	9	my	my	PRON
fbem-31942	100	10	countrys	countrys	ADJ
fbem-31942	100	11	regulatory	regulatory	ADJ
fbem-31942	100	12	policies	policy	NOUN
fbem-31942	100	13	on	on	ADP
fbem-31942	100	14	digital	digital	ADJ
fbem-31942	100	15	collectibles	collectible	NOUN
fbem-31942	100	16	and	and	CCONJ
fbem-31942	100	17	virtual	virtual	ADJ
fbem-31942	100	18	currency	currency	NOUN
fbem-31942	100	19	transactions	transaction	NOUN
fbem-31942	100	20	underwent	undergo	VERB
fbem-31942	100	21	three	three	NUM
fbem-31942	100	22	adjustments	adjustment	NOUN
fbem-31942	100	23	,	,	PUNCT
fbem-31942	100	24	moving	move	VERB
fbem-31942	100	25	from	from	ADP
fbem-31942	100	26	"	"	PUNCT
fbem-31942	100	27	trading	trading	NOUN
fbem-31942	100	28	restrictions	restriction	NOUN
fbem-31942	100	29	"	"	PUNCT
fbem-31942	100	30	to	to	ADP
fbem-31942	100	31	"	"	PUNCT
fbem-31942	100	32	complete	complete	ADJ
fbem-31942	100	33	prohibitions	prohibition	NOUN
fbem-31942	100	34	"	"	PUNCT
fbem-31942	100	35	and	and	CCONJ
fbem-31942	100	36	then	then	ADV
fbem-31942	100	37	to	to	PART
fbem-31942	100	38	"	"	PUNCT
fbem-31942	100	39	regulating	regulate	VERB
fbem-31942	100	40	technology	technology	NOUN
fbem-31942	100	41	applications	application	NOUN
fbem-31942	100	42	.	.	PUNCT
fbem-31942	100	43	"	"	PUNCT
fbem-31942	101	1	even	even	ADV
fbem-31942	101	2	more	more	ADV
fbem-31942	101	3	problematic	problematic	ADJ
fbem-31942	101	4	is	be	AUX
fbem-31942	101	5	that	that	SCONJ
fbem-31942	101	6	some	some	DET
fbem-31942	101	7	policies	policy	NOUN
fbem-31942	101	8	lack	lack	VERB
fbem-31942	101	9	foresight	foresight	NOUN
fbem-31942	101	10	and	and	CCONJ
fbem-31942	101	11	fail	fail	VERB
fbem-31942	101	12	to	to	PART
fbem-31942	101	13	consider	consider	VERB
fbem-31942	101	14	the	the	DET
fbem-31942	101	15	actual	actual	ADJ
fbem-31942	101	16	adaptation	adaptation	NOUN
fbem-31942	101	17	timeframes	timeframe	NOUN
fbem-31942	101	18	of	of	ADP
fbem-31942	101	19	businesses	business	NOUN
fbem-31942	101	20	.	.	PUNCT
fbem-31942	102	1	some	some	DET
fbem-31942	102	2	payment	payment	NOUN
fbem-31942	102	3	institutions	institution	NOUN
fbem-31942	102	4	have	have	AUX
fbem-31942	102	5	received	receive	VERB
fbem-31942	102	6	regulatory	regulatory	ADJ
fbem-31942	102	7	notices	notice	NOUN
fbem-31942	102	8	requiring	require	VERB
fbem-31942	102	9	them	they	PRON
fbem-31942	102	10	to	to	PART
fbem-31942	102	11	complete	complete	VERB
fbem-31942	102	12	their	their	PRON
fbem-31942	102	13	"	"	PUNCT
fbem-31942	102	14	disconnection	disconnection	NOUN
fbem-31942	102	15	"	"	PUNCT
fbem-31942	102	16	transformation	transformation	NOUN
fbem-31942	102	17	within	within	ADP
fbem-31942	102	18	three	three	NUM
fbem-31942	102	19	months	month	NOUN
fbem-31942	102	20	.	.	PUNCT
fbem-31942	103	1	however	however	ADV
fbem-31942	103	2	,	,	PUNCT
fbem-31942	103	3	this	this	PRON
fbem-31942	103	4	requires	require	VERB
fbem-31942	103	5	replacing	replace	VERB
fbem-31942	103	6	core	core	NOUN
fbem-31942	103	7	systems	system	NOUN
fbem-31942	103	8	and	and	CCONJ
fbem-31942	103	9	integrating	integrate	VERB
fbem-31942	103	10	with	with	ADP
fbem-31942	103	11	the	the	DET
fbem-31942	103	12	china	china	PROPN
fbem-31942	103	13	national	national	PROPN
fbem-31942	103	14	network	network	PROPN
fbem-31942	103	15	payment	payment	NOUN
fbem-31942	103	16	system	system	NOUN
fbem-31942	103	17	(	(	PUNCT
fbem-31942	103	18	cnps	cnps	ADJ
fbem-31942	103	19	)	)	PUNCT
fbem-31942	103	20	platform	platform	NOUN
fbem-31942	103	21	,	,	PUNCT
fbem-31942	103	22	a	a	DET
fbem-31942	103	23	task	task	NOUN
fbem-31942	103	24	that	that	PRON
fbem-31942	103	25	would	would	AUX
fbem-31942	103	26	take	take	VERB
fbem-31942	103	27	at	at	ADV
fbem-31942	103	28	least	least	ADV
fbem-31942	103	29	six	six	NUM
fbem-31942	103	30	months	month	NOUN
fbem-31942	103	31	.	.	PUNCT
fbem-31942	104	1	this	this	PRON
fbem-31942	104	2	forced	force	VERB
fbem-31942	104	3	businesses	business	NOUN
fbem-31942	104	4	to	to	PART
fbem-31942	104	5	invest	invest	VERB
fbem-31942	104	6	additional	additional	ADJ
fbem-31942	104	7	funds	fund	NOUN
fbem-31942	104	8	to	to	PART
fbem-31942	104	9	expedite	expedite	VERB
fbem-31942	104	10	the	the	DET
fbem-31942	104	11	process	process	NOUN
fbem-31942	104	12	,	,	PUNCT
fbem-31942	104	13	significantly	significantly	ADV
fbem-31942	104	14	increasing	increase	VERB
fbem-31942	104	15	operating	operating	NOUN
fbem-31942	104	16	costs	cost	NOUN
fbem-31942	104	17	.	.	PUNCT
fbem-31942	105	1	inconsistent	inconsistent	ADJ
fbem-31942	105	2	regulatory	regulatory	ADJ
fbem-31942	105	3	standards	standard	NOUN
fbem-31942	105	4	also	also	ADV
fbem-31942	105	5	create	create	VERB
fbem-31942	105	6	a	a	DET
fbem-31942	105	7	"	"	PUNCT
fbem-31942	105	8	multiple	multiple	ADJ
fbem-31942	105	9	regulatory	regulatory	ADJ
fbem-31942	105	10	"	"	PUNCT
fbem-31942	105	11	problem	problem	NOUN
fbem-31942	105	12	.	.	PUNCT
fbem-31942	106	1	fintech	fintech	NOUN
fbem-31942	106	2	businesses	business	NOUN
fbem-31942	106	3	often	often	ADV
fbem-31942	106	4	operate	operate	VERB
fbem-31942	106	5	across	across	ADP
fbem-31942	106	6	multiple	multiple	ADJ
fbem-31942	106	7	sectors	sector	NOUN
fbem-31942	106	8	,	,	PUNCT
fbem-31942	106	9	requiring	require	VERB
fbem-31942	106	10	interaction	interaction	NOUN
fbem-31942	106	11	with	with	ADP
fbem-31942	106	12	multiple	multiple	ADJ
fbem-31942	106	13	departments	department	NOUN
fbem-31942	106	14	,	,	PUNCT
fbem-31942	106	15	including	include	VERB
fbem-31942	106	16	the	the	DET
fbem-31942	106	17	china	china	PROPN
fbem-31942	106	18	banking	banking	PROPN
fbem-31942	106	19	and	and	CCONJ
fbem-31942	106	20	insurance	insurance	PROPN
fbem-31942	106	21	regulatory	regulatory	ADJ
fbem-31942	106	22	commission	commission	NOUN
fbem-31942	106	23	,	,	PUNCT
fbem-31942	106	24	the	the	DET
fbem-31942	106	25	peoples	people	NOUN
fbem-31942	106	26	bank	bank	PROPN
fbem-31942	106	27	of	of	ADP
fbem-31942	106	28	china	china	PROPN
fbem-31942	106	29	,	,	PUNCT
fbem-31942	106	30	and	and	CCONJ
fbem-31942	106	31	local	local	ADJ
fbem-31942	106	32	financial	financial	ADJ
fbem-31942	106	33	regulatory	regulatory	ADJ
fbem-31942	106	34	bureaus	bureaus	NOUN
fbem-31942	106	35	.	.	PUNCT
fbem-31942	107	1	these	these	DET
fbem-31942	107	2	departments	department	NOUN
fbem-31942	107	3	often	often	ADV
fbem-31942	107	4	have	have	VERB
fbem-31942	107	5	inconsistent	inconsistent	ADJ
fbem-31942	107	6	regulatory	regulatory	ADJ
fbem-31942	107	7	standards	standard	NOUN
fbem-31942	107	8	.	.	PUNCT
fbem-31942	108	1	to	to	PART
fbem-31942	108	2	meet	meet	VERB
fbem-31942	108	3	compliance	compliance	NOUN
fbem-31942	108	4	requirements	requirement	NOUN
fbem-31942	108	5	,	,	PUNCT
fbem-31942	108	6	businesses	business	NOUN
fbem-31942	108	7	must	must	AUX
fbem-31942	108	8	simultaneously	simultaneously	ADV
fbem-31942	108	9	meet	meet	VERB
fbem-31942	108	10	multiple	multiple	ADJ
fbem-31942	108	11	sets	set	NOUN
fbem-31942	108	12	of	of	ADP
fbem-31942	108	13	standards	standard	NOUN
fbem-31942	108	14	,	,	PUNCT
fbem-31942	108	15	naturally	naturally	ADV
fbem-31942	108	16	increasing	increase	VERB
fbem-31942	108	17	compliance	compliance	NOUN
fbem-31942	108	18	costs	cost	NOUN
fbem-31942	108	19	[	[	X
fbem-31942	108	20	4	4	NUM
fbem-31942	108	21	]	]	PUNCT
fbem-31942	108	22	.	.	PUNCT
fbem-31942	109	1	furthermore	furthermore	ADV
fbem-31942	109	2	,	,	PUNCT
fbem-31942	109	3	regulatory	regulatory	ADJ
fbem-31942	109	4	standards	standard	NOUN
fbem-31942	109	5	vary	vary	VERB
fbem-31942	109	6	across	across	ADP
fbem-31942	109	7	regions	region	NOUN
fbem-31942	109	8	.	.	PUNCT
fbem-31942	110	1	for	for	ADP
fbem-31942	110	2	example	example	NOUN
fbem-31942	110	3	,	,	PUNCT
fbem-31942	110	4	a	a	DET
fbem-31942	110	5	fintech	fintech	NOUN
fbem-31942	110	6	company	company	NOUN
fbem-31942	110	7	operating	operate	VERB
fbem-31942	110	8	in	in	ADP
fbem-31942	110	9	province	province	PROPN
fbem-31942	110	10	a	a	PRON
fbem-31942	110	11	may	may	AUX
fbem-31942	110	12	require	require	VERB
fbem-31942	110	13	registered	registered	ADJ
fbem-31942	110	14	capital	capital	NOUN
fbem-31942	110	15	of	of	ADP
fbem-31942	110	16	10	10	NUM
fbem-31942	110	17	million	million	NUM
fbem-31942	110	18	yuan	yuan	NOUN
fbem-31942	110	19	,	,	PUNCT
fbem-31942	110	20	but	but	CCONJ
fbem-31942	110	21	this	this	PRON
fbem-31942	110	22	may	may	AUX
fbem-31942	110	23	rise	rise	VERB
fbem-31942	110	24	to	to	ADP
fbem-31942	110	25	20	20	NUM
fbem-31942	110	26	million	million	NUM
fbem-31942	110	27	yuan	yuan	NOUN
fbem-31942	110	28	in	in	ADP
fbem-31942	110	29	province	province	PROPN
fbem-31942	110	30	b.	b.	PROPN
fbem-31942	110	31	further	further	ADJ
fbem-31942	110	32	expansion	expansion	NOUN
fbem-31942	110	33	across	across	ADP
fbem-31942	110	34	regions	region	NOUN
fbem-31942	110	35	requires	require	VERB
fbem-31942	110	36	additional	additional	ADJ
fbem-31942	110	37	capital	capital	NOUN
fbem-31942	110	38	increases	increase	NOUN
fbem-31942	110	39	,	,	PUNCT
fbem-31942	110	40	significantly	significantly	ADV
fbem-31942	110	41	increasing	increase	VERB
fbem-31942	110	42	the	the	DET
fbem-31942	110	43	complexity	complexity	NOUN
fbem-31942	110	44	of	of	ADP
fbem-31942	110	45	business	business	NOUN
fbem-31942	110	46	expansion	expansion	NOUN
fbem-31942	110	47	.	.	PUNCT
fbem-31942	111	1	crossborder	crossborder	NOUN
fbem-31942	111	2	regulation	regulation	NOUN
fbem-31942	111	3	is	be	AUX
fbem-31942	111	4	also	also	ADV
fbem-31942	111	5	a	a	DET
fbem-31942	111	6	significant	significant	ADJ
fbem-31942	111	7	challenge	challenge	NOUN
fbem-31942	111	8	,	,	PUNCT
fbem-31942	111	9	placing	place	VERB
fbem-31942	111	10	significant	significant	ADJ
fbem-31942	111	11	pressure	pressure	NOUN
fbem-31942	111	12	on	on	ADP
fbem-31942	111	13	multinational	multinational	ADJ
fbem-31942	111	14	corporations	corporation	NOUN
fbem-31942	111	15	.	.	PUNCT
fbem-31942	112	1	while	while	SCONJ
fbem-31942	112	2	the	the	DET
fbem-31942	112	3	borderless	borderless	ADJ
fbem-31942	112	4	nature	nature	NOUN
fbem-31942	112	5	of	of	ADP
fbem-31942	112	6	fintech	fintech	NOUN
fbem-31942	112	7	facilitates	facilitate	VERB
fbem-31942	112	8	cross	cross	ADJ
fbem-31942	112	9	-	-	ADJ
fbem-31942	112	10	border	border	ADJ
fbem-31942	112	11	business	business	NOUN
fbem-31942	112	12	operations	operation	NOUN
fbem-31942	112	13	,	,	PUNCT
fbem-31942	112	14	regulatory	regulatory	ADJ
fbem-31942	112	15	systems	system	NOUN
fbem-31942	112	16	vary	vary	VERB
fbem-31942	112	17	significantly	significantly	ADV
fbem-31942	112	18	across	across	ADP
fbem-31942	112	19	countries	country	NOUN
fbem-31942	112	20	and	and	CCONJ
fbem-31942	112	21	regions	region	NOUN
fbem-31942	112	22	.	.	PUNCT
fbem-31942	113	1	enterprises	enterprise	NOUN
fbem-31942	113	2	must	must	AUX
fbem-31942	113	3	simultaneously	simultaneously	ADV
fbem-31942	113	4	comply	comply	VERB
fbem-31942	113	5	with	with	ADP
fbem-31942	113	6	regulatory	regulatory	ADJ
fbem-31942	113	7	rules	rule	NOUN
fbem-31942	113	8	in	in	ADP
fbem-31942	113	9	multiple	multiple	ADJ
fbem-31942	113	10	countries	country	NOUN
fbem-31942	113	11	.	.	PUNCT
fbem-31942	114	1	for	for	ADP
fbem-31942	114	2	business	business	NOUN
fbem-31942	114	3	reporting	reporting	NOUN
fbem-31942	114	4	alone	alone	ADV
fbem-31942	114	5	,	,	PUNCT
fbem-31942	114	6	the	the	DET
fbem-31942	114	7	frequency	frequency	NOUN
fbem-31942	114	8	and	and	CCONJ
fbem-31942	114	9	format	format	NOUN
fbem-31942	114	10	of	of	ADP
fbem-31942	114	11	submission	submission	NOUN
fbem-31942	114	12	requirements	requirement	NOUN
fbem-31942	114	13	may	may	AUX
fbem-31942	114	14	differ	differ	VERB
fbem-31942	114	15	significantly	significantly	ADV
fbem-31942	114	16	across	across	ADP
fbem-31942	114	17	different	different	ADJ
fbem-31942	114	18	regions	region	NOUN
fbem-31942	114	19	.	.	PUNCT
fbem-31942	115	1	furthermore	furthermore	ADV
fbem-31942	115	2	,	,	PUNCT
fbem-31942	115	3	they	they	PRON
fbem-31942	115	4	must	must	AUX
fbem-31942	115	5	meet	meet	VERB
fbem-31942	115	6	more	more	ADV
fbem-31942	115	7	stringent	stringent	ADJ
fbem-31942	115	8	customer	customer	NOUN
fbem-31942	115	9	identification	identification	NOUN
fbem-31942	115	10	requirements	requirement	NOUN
fbem-31942	115	11	,	,	PUNCT
fbem-31942	115	12	forcing	force	VERB
fbem-31942	115	13	them	they	PRON
fbem-31942	115	14	to	to	PART
fbem-31942	115	15	establish	establish	VERB
fbem-31942	115	16	dedicated	dedicated	ADJ
fbem-31942	115	17	cross	cross	ADJ
fbem-31942	115	18	-	-	ADJ
fbem-31942	115	19	border	border	ADJ
fbem-31942	115	20	compliance	compliance	NOUN
fbem-31942	115	21	teams	team	NOUN
fbem-31942	115	22	,	,	PUNCT
fbem-31942	115	23	significantly	significantly	ADV
fbem-31942	115	24	increasing	increase	VERB
fbem-31942	115	25	labor	labor	NOUN
fbem-31942	115	26	costs	cost	NOUN
fbem-31942	115	27	.	.	PUNCT
fbem-31942	116	1	furthermore	furthermore	ADV
fbem-31942	116	2	,	,	PUNCT
fbem-31942	116	3	some	some	DET
fbem-31942	116	4	countries	country	NOUN
fbem-31942	116	5	are	be	AUX
fbem-31942	116	6	implementing	implement	VERB
fbem-31942	116	7	"	"	PUNCT
fbem-31942	116	8	data	datum	NOUN
fbem-31942	116	9	localization	localization	NOUN
fbem-31942	116	10	"	"	PUNCT
fbem-31942	116	11	policies	policy	NOUN
fbem-31942	116	12	.	.	PUNCT
fbem-31942	117	1	enterprises	enterprise	NOUN
fbem-31942	117	2	with	with	ADP
fbem-31942	117	3	operations	operation	NOUN
fbem-31942	117	4	in	in	ADP
fbem-31942	117	5	more	more	ADJ
fbem-31942	117	6	than	than	ADP
fbem-31942	117	7	20	20	NUM
fbem-31942	117	8	countries	country	NOUN
fbem-31942	117	9	will	will	AUX
fbem-31942	117	10	need	need	VERB
fbem-31942	117	11	to	to	PART
fbem-31942	117	12	establish	establish	VERB
fbem-31942	117	13	multi	multi	ADJ
fbem-31942	117	14	-	-	ADJ
fbem-31942	117	15	regional	regional	ADJ
fbem-31942	117	16	data	datum	NOUN
fbem-31942	117	17	centers	center	NOUN
fbem-31942	117	18	,	,	PUNCT
fbem-31942	117	19	increasing	increase	VERB
fbem-31942	117	20	storage	storage	NOUN
fbem-31942	117	21	costs	cost	NOUN
fbem-31942	117	22	alone	alone	ADJ
fbem-31942	117	23	by	by	ADP
fbem-31942	117	24	approximately	approximately	ADV
fbem-31942	117	25	30	30	NUM
fbem-31942	117	26	%	%	NOUN
fbem-31942	117	27	.	.	PUNCT
fbem-31942	118	1	6	6	X
fbem-31942	118	2	.	.	X
fbem-31942	118	3	response	response	NOUN
fbem-31942	118	4	paths	path	NOUN
fbem-31942	118	5	to	to	ADP
fbem-31942	118	6	enterprise	enterprise	NOUN
fbem-31942	118	7	risk	risk	NOUN
fbem-31942	118	8	management	management	NOUN
fbem-31942	118	9	in	in	ADP
fbem-31942	118	10	the	the	DET
fbem-31942	118	11	fintech	fintech	NOUN
fbem-31942	118	12	context	context	NOUN
fbem-31942	118	13	facing	face	VERB
fbem-31942	118	14	the	the	DET
fbem-31942	118	15	risks	risk	NOUN
fbem-31942	118	16	and	and	CCONJ
fbem-31942	118	17	challenges	challenge	NOUN
fbem-31942	118	18	posed	pose	VERB
fbem-31942	118	19	by	by	ADP
fbem-31942	118	20	fintech	fintech	NOUN
fbem-31942	118	21	,	,	PUNCT
fbem-31942	118	22	enterprises	enterprise	NOUN
fbem-31942	118	23	must	must	AUX
fbem-31942	118	24	break	break	VERB
fbem-31942	118	25	away	away	ADV
fbem-31942	118	26	from	from	ADP
fbem-31942	118	27	traditional	traditional	ADJ
fbem-31942	118	28	mindset	mindset	NOUN
fbem-31942	118	29	and	and	CCONJ
fbem-31942	118	30	focus	focus	VERB
fbem-31942	118	31	on	on	ADP
fbem-31942	118	32	four	four	NUM
fbem-31942	118	33	key	key	ADJ
fbem-31942	118	34	areas	area	NOUN
fbem-31942	118	35	:	:	PUNCT
fbem-31942	118	36	technology	technology	NOUN
fbem-31942	118	37	,	,	PUNCT
fbem-31942	118	38	systems	system	NOUN
fbem-31942	118	39	,	,	PUNCT
fbem-31942	118	40	talent	talent	NOUN
fbem-31942	118	41	,	,	PUNCT
fbem-31942	118	42	and	and	CCONJ
fbem-31942	118	43	regulatory	regulatory	ADJ
fbem-31942	118	44	collaboration	collaboration	NOUN
fbem-31942	118	45	.	.	PUNCT
fbem-31942	119	1	they	they	PRON
fbem-31942	119	2	must	must	AUX
fbem-31942	119	3	establish	establish	VERB
fbem-31942	119	4	an	an	DET
fbem-31942	119	5	integrated	integrate	VERB
fbem-31942	119	6	risk	risk	NOUN
fbem-31942	119	7	management	management	NOUN
fbem-31942	119	8	system	system	NOUN
fbem-31942	119	9	encompassing	encompass	VERB
fbem-31942	119	10	"	"	PUNCT
fbem-31942	119	11	technological	technological	ADJ
fbem-31942	119	12	empowerment	empowerment	NOUN
fbem-31942	119	13	,	,	PUNCT
fbem-31942	119	14	institutional	institutional	ADJ
fbem-31942	119	15	support	support	NOUN
fbem-31942	119	16	,	,	PUNCT
fbem-31942	119	17	talent	talent	NOUN
fbem-31942	119	18	support	support	NOUN
fbem-31942	119	19	,	,	PUNCT
fbem-31942	119	20	and	and	CCONJ
fbem-31942	119	21	regulatory	regulatory	ADJ
fbem-31942	119	22	collaboration	collaboration	NOUN
fbem-31942	119	23	.	.	PUNCT
fbem-31942	119	24	"	"	PUNCT
fbem-31942	120	1	technological	technological	ADJ
fbem-31942	120	2	empowerment	empowerment	NOUN
fbem-31942	120	3	is	be	AUX
fbem-31942	120	4	the	the	DET
fbem-31942	120	5	core	core	NOUN
fbem-31942	120	6	of	of	ADP
fbem-31942	120	7	efficiency	efficiency	NOUN
fbem-31942	120	8	improvement	improvement	NOUN
fbem-31942	120	9	.	.	PUNCT
fbem-31942	121	1	enterprises	enterprise	NOUN
fbem-31942	121	2	should	should	AUX
fbem-31942	121	3	develop	develop	VERB
fbem-31942	121	4	intelligent	intelligent	ADJ
fbem-31942	121	5	risk	risk	NOUN
fbem-31942	121	6	management	management	NOUN
fbem-31942	121	7	systems	system	NOUN
fbem-31942	121	8	to	to	PART
fbem-31942	121	9	achieve	achieve	VERB
fbem-31942	121	10	"	"	PUNCT
fbem-31942	121	11	real	real	ADJ
fbem-31942	121	12	-	-	PUNCT
fbem-31942	121	13	time	time	NOUN
fbem-31942	121	14	identification	identification	NOUN
fbem-31942	121	15	,	,	PUNCT
fbem-31942	121	16	accurate	accurate	ADJ
fbem-31942	121	17	assessment	assessment	NOUN
fbem-31942	121	18	,	,	PUNCT
fbem-31942	121	19	and	and	CCONJ
fbem-31942	121	20	dynamic	dynamic	ADJ
fbem-31942	121	21	control	control	NOUN
fbem-31942	121	22	"	"	PUNCT
fbem-31942	121	23	of	of	ADP
fbem-31942	121	24	risks	risk	NOUN
fbem-31942	121	25	.	.	PUNCT
fbem-31942	122	1	when	when	SCONJ
fbem-31942	122	2	identifying	identify	VERB
fbem-31942	122	3	risks	risk	NOUN
fbem-31942	122	4	,	,	PUNCT
fbem-31942	122	5	machine	machine	NOUN
fbem-31942	122	6	learning	learning	NOUN
fbem-31942	122	7	should	should	AUX
fbem-31942	122	8	be	be	AUX
fbem-31942	122	9	used	use	VERB
fbem-31942	122	10	to	to	PART
fbem-31942	122	11	build	build	VERB
fbem-31942	122	12	a	a	DET
fbem-31942	122	13	real	real	ADJ
fbem-31942	122	14	-	-	PUNCT
fbem-31942	122	15	time	time	NOUN
fbem-31942	122	16	monitoring	monitoring	NOUN
fbem-31942	122	17	platform	platform	NOUN
fbem-31942	122	18	that	that	PRON
fbem-31942	122	19	integrates	integrate	VERB
fbem-31942	122	20	internal	internal	ADJ
fbem-31942	122	21	transaction	transaction	NOUN
fbem-31942	122	22	data	datum	NOUN
fbem-31942	122	23	with	with	ADP
fbem-31942	122	24	external	external	ADJ
fbem-31942	122	25	industry	industry	NOUN
fbem-31942	122	26	risk	risk	NOUN
fbem-31942	122	27	data	datum	NOUN
fbem-31942	122	28	,	,	PUNCT
fbem-31942	122	29	significantly	significantly	ADV
fbem-31942	122	30	accelerating	accelerate	VERB
fbem-31942	122	31	risk	risk	NOUN
fbem-31942	122	32	identification	identification	NOUN
fbem-31942	122	33	.	.	PUNCT
fbem-31942	123	1	for	for	ADP
fbem-31942	123	2	risk	risk	NOUN
fbem-31942	123	3	assessment	assessment	NOUN
fbem-31942	123	4	,	,	PUNCT
fbem-31942	123	5	quantitative	quantitative	ADJ
fbem-31942	123	6	models	model	NOUN
fbem-31942	123	7	should	should	AUX
fbem-31942	123	8	be	be	AUX
fbem-31942	123	9	developed	develop	VERB
fbem-31942	123	10	that	that	PRON
fbem-31942	123	11	incorporate	incorporate	VERB
fbem-31942	123	12	metrics	metric	NOUN
fbem-31942	123	13	such	such	ADJ
fbem-31942	123	14	as	as	ADP
fbem-31942	123	15	algorithmic	algorithmic	ADJ
fbem-31942	123	16	risk	risk	NOUN
fbem-31942	123	17	exposure	exposure	NOUN
fbem-31942	123	18	and	and	CCONJ
fbem-31942	123	19	data	datum	NOUN
fbem-31942	123	20	reliability	reliability	NOUN
fbem-31942	123	21	for	for	ADP
fbem-31942	123	22	more	more	ADV
fbem-31942	123	23	accurate	accurate	ADJ
fbem-31942	123	24	assessments	assessment	NOUN
fbem-31942	123	25	.	.	PUNCT
fbem-31942	124	1	for	for	ADP
fbem-31942	124	2	risk	risk	NOUN
fbem-31942	124	3	control	control	NOUN
fbem-31942	124	4	,	,	PUNCT
fbem-31942	124	5	technology	technology	NOUN
fbem-31942	124	6	should	should	AUX
fbem-31942	124	7	be	be	AUX
fbem-31942	124	8	used	use	VERB
fbem-31942	124	9	to	to	PART
fbem-31942	124	10	replace	replace	VERB
fbem-31942	124	11	manual	manual	ADJ
fbem-31942	124	12	processes	process	NOUN
fbem-31942	124	13	whenever	whenever	SCONJ
fbem-31942	124	14	possible	possible	ADJ
fbem-31942	124	15	to	to	PART
fbem-31942	124	16	reduce	reduce	VERB
fbem-31942	124	17	the	the	DET
fbem-31942	124	18	lag	lag	NOUN
fbem-31942	124	19	in	in	ADP
fbem-31942	124	20	manual	manual	ADJ
fbem-31942	124	21	approvals	approval	NOUN
fbem-31942	124	22	and	and	CCONJ
fbem-31942	124	23	improve	improve	VERB
fbem-31942	124	24	response	response	NOUN
fbem-31942	124	25	efficiency	efficiency	NOUN
fbem-31942	124	26	.	.	PUNCT
fbem-31942	125	1	improving	improve	VERB
fbem-31942	125	2	systems	system	NOUN
fbem-31942	125	3	is	be	AUX
fbem-31942	125	4	fundamental	fundamental	ADJ
fbem-31942	125	5	.	.	PUNCT
fbem-31942	126	1	companies	company	NOUN
fbem-31942	126	2	should	should	AUX
fbem-31942	126	3	develop	develop	VERB
fbem-31942	126	4	risk	risk	NOUN
fbem-31942	126	5	management	management	NOUN
fbem-31942	126	6	systems	system	NOUN
fbem-31942	126	7	adapted	adapt	VERB
fbem-31942	126	8	to	to	ADP
fbem-31942	126	9	fintech	fintech	NOUN
fbem-31942	126	10	,	,	PUNCT
fbem-31942	126	11	focusing	focus	VERB
fbem-31942	126	12	on	on	ADP
fbem-31942	126	13	technical	technical	ADJ
fbem-31942	126	14	security	security	NOUN
fbem-31942	126	15	and	and	CCONJ
fbem-31942	126	16	data	datum	NOUN
fbem-31942	126	17	compliance	compliance	NOUN
fbem-31942	126	18	.	.	PUNCT
fbem-31942	127	1	regarding	regard	VERB
fbem-31942	127	2	technical	technical	ADJ
fbem-31942	127	3	security	security	NOUN
fbem-31942	127	4	,	,	PUNCT
fbem-31942	127	5	the	the	DET
fbem-31942	127	6	"	"	PUNCT
fbem-31942	127	7	fintech	fintech	NOUN
fbem-31942	127	8	technology	technology	NOUN
fbem-31942	127	9	architecture	architecture	NOUN
fbem-31942	127	10	security	security	NOUN
fbem-31942	127	11	standard	standard	NOUN
fbem-31942	127	12	"	"	PUNCT
fbem-31942	127	13	should	should	AUX
fbem-31942	127	14	be	be	AUX
fbem-31942	127	15	issued	issue	VERB
fbem-31942	127	16	to	to	PART
fbem-31942	127	17	clarify	clarify	VERB
fbem-31942	127	18	the	the	DET
fbem-31942	127	19	testing	testing	NOUN
fbem-31942	127	20	process	process	NOUN
fbem-31942	127	21	for	for	ADP
fbem-31942	127	22	open	open	ADJ
fbem-31942	127	23	source	source	NOUN
fbem-31942	127	24	technologies	technology	NOUN
fbem-31942	127	25	and	and	CCONJ
fbem-31942	127	26	the	the	DET
fbem-31942	127	27	entry	entry	NOUN
fbem-31942	127	28	standards	standard	NOUN
fbem-31942	127	29	for	for	ADP
fbem-31942	127	30	third	third	ADJ
fbem-31942	127	31	-	-	PUNCT
fbem-31942	127	32	party	party	NOUN
fbem-31942	127	33	service	service	NOUN
fbem-31942	127	34	providers	provider	NOUN
fbem-31942	127	35	,	,	PUNCT
fbem-31942	127	36	mitigating	mitigate	VERB
fbem-31942	127	37	technical	technical	ADJ
fbem-31942	127	38	vulnerabilities	vulnerability	NOUN
fbem-31942	127	39	at	at	ADP
fbem-31942	127	40	the	the	DET
fbem-31942	127	41	source	source	NOUN
fbem-31942	127	42	.	.	PUNCT
fbem-31942	128	1	data	datum	NOUN
fbem-31942	128	2	compliance	compliance	NOUN
fbem-31942	128	3	should	should	AUX
fbem-31942	128	4	cover	cover	VERB
fbem-31942	128	5	the	the	DET
fbem-31942	128	6	entire	entire	ADJ
fbem-31942	128	7	process	process	NOUN
fbem-31942	128	8	from	from	ADP
fbem-31942	128	9	collection	collection	NOUN
fbem-31942	128	10	to	to	ADP
fbem-31942	128	11	storage	storage	NOUN
fbem-31942	128	12	to	to	PART
fbem-31942	128	13	use	use	VERB
fbem-31942	128	14	,	,	PUNCT
fbem-31942	128	15	strictly	strictly	ADV
fbem-31942	128	16	adhering	adhere	VERB
fbem-31942	128	17	to	to	ADP
fbem-31942	128	18	the	the	DET
fbem-31942	128	19	"	"	PUNCT
fbem-31942	128	20	minimum	minimum	ADJ
fbem-31942	128	21	necessary	necessary	ADJ
fbem-31942	128	22	"	"	PUNCT
fbem-31942	128	23	approach	approach	NOUN
fbem-31942	128	24	and	and	CCONJ
fbem-31942	128	25	avoiding	avoid	VERB
fbem-31942	128	26	excessive	excessive	ADJ
fbem-31942	128	27	collection	collection	NOUN
fbem-31942	128	28	.	.	PUNCT
fbem-31942	129	1	sensitive	sensitive	ADJ
fbem-31942	129	2	data	datum	NOUN
fbem-31942	129	3	should	should	AUX
fbem-31942	129	4	be	be	AUX
fbem-31942	129	5	encrypted	encrypt	VERB
fbem-31942	129	6	during	during	ADP
fbem-31942	129	7	storage	storage	NOUN
fbem-31942	129	8	and	and	CCONJ
fbem-31942	129	9	regularly	regularly	ADV
fbem-31942	129	10	tested	test	VERB
fbem-31942	129	11	for	for	ADP
fbem-31942	129	12	security	security	NOUN
fbem-31942	129	13	.	.	PUNCT
fbem-31942	130	1	data	datum	NOUN
fbem-31942	130	2	usage	usage	NOUN
fbem-31942	130	3	should	should	AUX
fbem-31942	130	4	be	be	AUX
fbem-31942	130	5	clearly	clearly	ADV
fbem-31942	130	6	defined	define	VERB
fbem-31942	130	7	,	,	PUNCT
fbem-31942	130	8	and	and	CCONJ
fbem-31942	130	9	unauthorized	unauthorized	ADJ
fbem-31942	130	10	transfer	transfer	NOUN
fbem-31942	130	11	is	be	AUX
fbem-31942	130	12	prohibited	prohibit	VERB
fbem-31942	130	13	to	to	PART
fbem-31942	130	14	prevent	prevent	VERB
fbem-31942	130	15	data	datum	NOUN
fbem-31942	130	16	misuse	misuse	NOUN
fbem-31942	130	17	.	.	PUNCT
fbem-31942	131	1	talent	talent	NOUN
fbem-31942	131	2	development	development	NOUN
fbem-31942	131	3	is	be	AUX
fbem-31942	131	4	a	a	DET
fbem-31942	131	5	key	key	ADJ
fbem-31942	131	6	support	support	NOUN
fbem-31942	131	7	.	.	PUNCT
fbem-31942	132	1	companies	company	NOUN
fbem-31942	132	2	should	should	AUX
fbem-31942	132	3	build	build	VERB
fbem-31942	132	4	a	a	DET
fbem-31942	132	5	multidisciplinary	multidisciplinary	ADJ
fbem-31942	132	6	team	team	NOUN
fbem-31942	132	7	of	of	ADP
fbem-31942	132	8	professionals	professional	NOUN
fbem-31942	132	9	with	with	ADP
fbem-31942	132	10	both	both	CCONJ
fbem-31942	132	11	technical	technical	ADJ
fbem-31942	132	12	and	and	CCONJ
fbem-31942	132	13	risk	risk	NOUN
fbem-31942	132	14	management	management	NOUN
fbem-31942	132	15	expertise	expertise	NOUN
fbem-31942	132	16	.	.	PUNCT
fbem-31942	133	1	to	to	PART
fbem-31942	133	2	address	address	VERB
fbem-31942	133	3	the	the	DET
fbem-31942	133	4	talent	talent	NOUN
fbem-31942	133	5	shortage	shortage	NOUN
fbem-31942	133	6	in	in	ADP
fbem-31942	133	7	risk	risk	NOUN
fbem-31942	133	8	control	control	NOUN
fbem-31942	133	9	,	,	PUNCT
fbem-31942	133	10	we	we	PRON
fbem-31942	133	11	need	need	VERB
fbem-31942	133	12	to	to	PART
fbem-31942	133	13	recruit	recruit	VERB
fbem-31942	133	14	more	more	ADJ
fbem-31942	133	15	individuals	individual	NOUN
fbem-31942	133	16	with	with	ADP
fbem-31942	133	17	dual	dual	ADJ
fbem-31942	133	18	backgrounds	background	NOUN
fbem-31942	133	19	in	in	ADP
fbem-31942	133	20	both	both	CCONJ
fbem-31942	133	21	fintech	fintech	NOUN
fbem-31942	133	22	and	and	CCONJ
fbem-31942	133	23	risk	risk	NOUN
fbem-31942	133	24	management	management	NOUN
fbem-31942	133	25	to	to	PART
fbem-31942	133	26	strengthen	strengthen	VERB
fbem-31942	133	27	our	our	PRON
fbem-31942	133	28	risk	risk	NOUN
fbem-31942	133	29	control	control	NOUN
fbem-31942	133	30	teams	team	NOUN
fbem-31942	133	31	.	.	PUNCT
fbem-31942	134	1	furthermore	furthermore	ADV
fbem-31942	134	2	,	,	PUNCT
fbem-31942	134	3	we	we	PRON
fbem-31942	134	4	should	should	AUX
fbem-31942	134	5	increase	increase	VERB
fbem-31942	134	6	internal	internal	ADJ
fbem-31942	134	7	training	training	NOUN
fbem-31942	134	8	,	,	PUNCT
fbem-31942	134	9	offering	offer	VERB
fbem-31942	134	10	courses	course	NOUN
fbem-31942	134	11	on	on	ADP
fbem-31942	134	12	algorithmic	algorithmic	ADJ
fbem-31942	134	13	risk	risk	NOUN
fbem-31942	134	14	and	and	CCONJ
fbem-31942	134	15	data	datum	NOUN
fbem-31942	134	16	compliance	compliance	NOUN
fbem-31942	134	17	,	,	PUNCT
fbem-31942	134	18	to	to	PART
fbem-31942	134	19	help	help	VERB
fbem-31942	134	20	existing	exist	VERB
fbem-31942	134	21	risk	risk	NOUN
fbem-31942	134	22	control	control	NOUN
fbem-31942	134	23	personnel	personnel	NOUN
fbem-31942	134	24	enhance	enhance	VERB
fbem-31942	134	25	their	their	PRON
fbem-31942	134	26	professional	professional	ADJ
fbem-31942	134	27	capabilities	capability	NOUN
fbem-31942	134	28	.	.	PUNCT
fbem-31942	135	1	we	we	PRON
fbem-31942	135	2	can	can	AUX
fbem-31942	135	3	also	also	ADV
fbem-31942	135	4	collaborate	collaborate	VERB
fbem-31942	135	5	with	with	ADP
fbem-31942	135	6	universities	university	NOUN
fbem-31942	135	7	and	and	CCONJ
fbem-31942	135	8	industry	industry	NOUN
fbem-31942	135	9	associations	association	NOUN
fbem-31942	135	10	to	to	PART
fbem-31942	135	11	establish	establish	VERB
fbem-31942	135	12	talent	talent	NOUN
fbem-31942	135	13	development	development	NOUN
fbem-31942	135	14	centers	center	NOUN
fbem-31942	135	15	to	to	PART
fbem-31942	135	16	train	train	VERB
fbem-31942	135	17	specialized	specialized	ADJ
fbem-31942	135	18	professionals	professional	NOUN
fbem-31942	135	19	and	and	CCONJ
fbem-31942	135	20	address	address	VERB
fbem-31942	135	21	staffing	staffing	NOUN
fbem-31942	135	22	shortages	shortage	NOUN
fbem-31942	135	23	[	[	X
fbem-31942	135	24	5	5	NUM
fbem-31942	135	25	]	]	PUNCT
fbem-31942	135	26	.	.	PUNCT
fbem-31942	136	1	regulatory	regulatory	ADJ
fbem-31942	136	2	collaboration	collaboration	NOUN
fbem-31942	136	3	can	can	AUX
fbem-31942	136	4	help	help	VERB
fbem-31942	136	5	companies	company	NOUN
fbem-31942	136	6	avoid	avoid	VERB
fbem-31942	136	7	compliance	compliance	NOUN
fbem-31942	136	8	pitfalls	pitfall	NOUN
fbem-31942	136	9	.	.	PUNCT
fbem-31942	137	1	we	we	PRON
fbem-31942	137	2	should	should	AUX
fbem-31942	137	3	proactively	proactively	ADV
fbem-31942	137	4	connect	connect	VERB
fbem-31942	137	5	with	with	ADP
fbem-31942	137	6	regulators	regulator	NOUN
fbem-31942	137	7	,	,	PUNCT
fbem-31942	137	8	establish	establish	VERB
fbem-31942	137	9	regular	regular	ADJ
fbem-31942	137	10	communication	communication	NOUN
fbem-31942	137	11	mechanisms	mechanism	NOUN
fbem-31942	137	12	,	,	PUNCT
fbem-31942	137	13	and	and	CCONJ
fbem-31942	137	14	4	4	NUM
fbem-31942	137	15	promptly	promptly	ADV
fbem-31942	137	16	address	address	VERB
fbem-31942	137	17	any	any	DET
fbem-31942	137	18	issues	issue	NOUN
fbem-31942	137	19	encountered	encounter	VERB
fbem-31942	137	20	in	in	ADP
fbem-31942	137	21	policy	policy	NOUN
fbem-31942	137	22	adaptation	adaptation	NOUN
fbem-31942	137	23	to	to	PART
fbem-31942	137	24	avoid	avoid	VERB
fbem-31942	137	25	crossing	cross	VERB
fbem-31942	137	26	red	red	ADJ
fbem-31942	137	27	lines	line	NOUN
fbem-31942	137	28	due	due	ADP
fbem-31942	137	29	to	to	ADP
fbem-31942	137	30	misunderstandings	misunderstanding	NOUN
fbem-31942	137	31	.	.	PUNCT
fbem-31942	138	1	we	we	PRON
fbem-31942	138	2	can	can	AUX
fbem-31942	138	3	also	also	ADV
fbem-31942	138	4	engage	engage	VERB
fbem-31942	138	5	with	with	ADP
fbem-31942	138	6	industry	industry	NOUN
fbem-31942	138	7	associations	association	NOUN
fbem-31942	138	8	and	and	CCONJ
fbem-31942	138	9	participate	participate	VERB
fbem-31942	138	10	in	in	ADP
fbem-31942	138	11	regulatory	regulatory	ADJ
fbem-31942	138	12	policy	policy	NOUN
fbem-31942	138	13	discussions	discussion	NOUN
fbem-31942	138	14	to	to	PART
fbem-31942	138	15	understand	understand	VERB
fbem-31942	138	16	policy	policy	NOUN
fbem-31942	138	17	trends	trend	NOUN
fbem-31942	138	18	early	early	ADV
fbem-31942	138	19	on	on	ADV
fbem-31942	138	20	,	,	PUNCT
fbem-31942	138	21	allowing	allow	VERB
fbem-31942	138	22	ample	ample	ADJ
fbem-31942	138	23	time	time	NOUN
fbem-31942	138	24	for	for	ADP
fbem-31942	138	25	business	business	NOUN
fbem-31942	138	26	adjustments	adjustment	NOUN
fbem-31942	138	27	.	.	PUNCT
fbem-31942	139	1	multinational	multinational	ADJ
fbem-31942	139	2	companies	company	NOUN
fbem-31942	139	3	should	should	AUX
fbem-31942	139	4	establish	establish	VERB
fbem-31942	139	5	cross	cross	ADJ
fbem-31942	139	6	-	-	ADJ
fbem-31942	139	7	border	border	ADJ
fbem-31942	139	8	regulatory	regulatory	ADJ
fbem-31942	139	9	response	response	NOUN
fbem-31942	139	10	teams	team	NOUN
fbem-31942	139	11	to	to	PART
fbem-31942	139	12	research	research	VERB
fbem-31942	139	13	the	the	DET
fbem-31942	139	14	requirements	requirement	NOUN
fbem-31942	139	15	of	of	ADP
fbem-31942	139	16	different	different	ADJ
fbem-31942	139	17	countries	country	NOUN
fbem-31942	139	18	and	and	CCONJ
fbem-31942	139	19	adapt	adapt	VERB
fbem-31942	139	20	to	to	ADP
fbem-31942	139	21	local	local	ADJ
fbem-31942	139	22	regulations	regulation	NOUN
fbem-31942	139	23	.	.	PUNCT
fbem-31942	140	1	7	7	X
fbem-31942	140	2	.	.	X
fbem-31942	140	3	conclusion	conclusion	NOUN
fbem-31942	140	4	the	the	DET
fbem-31942	140	5	rapid	rapid	ADJ
fbem-31942	140	6	development	development	NOUN
fbem-31942	140	7	of	of	ADP
fbem-31942	140	8	fintech	fintech	NOUN
fbem-31942	140	9	has	have	AUX
fbem-31942	140	10	brought	bring	VERB
fbem-31942	140	11	opportunities	opportunity	NOUN
fbem-31942	140	12	for	for	SCONJ
fbem-31942	140	13	companies	company	NOUN
fbem-31942	140	14	to	to	PART
fbem-31942	140	15	improve	improve	VERB
fbem-31942	140	16	operational	operational	ADJ
fbem-31942	140	17	efficiency	efficiency	NOUN
fbem-31942	140	18	and	and	CCONJ
fbem-31942	140	19	innovate	innovate	VERB
fbem-31942	140	20	business	business	NOUN
fbem-31942	140	21	models	model	NOUN
fbem-31942	140	22	.	.	PUNCT
fbem-31942	141	1	however	however	ADV
fbem-31942	141	2	,	,	PUNCT
fbem-31942	141	3	it	it	PRON
fbem-31942	141	4	has	have	AUX
fbem-31942	141	5	also	also	ADV
fbem-31942	141	6	exposed	expose	VERB
fbem-31942	141	7	them	they	PRON
fbem-31942	141	8	to	to	ADP
fbem-31942	141	9	new	new	ADJ
fbem-31942	141	10	risks	risk	NOUN
fbem-31942	141	11	such	such	ADJ
fbem-31942	141	12	as	as	ADP
fbem-31942	141	13	technology	technology	NOUN
fbem-31942	141	14	dependency	dependency	NOUN
fbem-31942	141	15	,	,	PUNCT
fbem-31942	141	16	algorithmic	algorithmic	ADJ
fbem-31942	141	17	bias	bias	NOUN
fbem-31942	141	18	,	,	PUNCT
fbem-31942	141	19	and	and	CCONJ
fbem-31942	141	20	cross	cross	ADJ
fbem-31942	141	21	-	-	ADJ
fbem-31942	141	22	border	border	ADJ
fbem-31942	141	23	contagion	contagion	NOUN
fbem-31942	141	24	.	.	PUNCT
fbem-31942	142	1	traditional	traditional	ADJ
fbem-31942	142	2	risk	risk	NOUN
fbem-31942	142	3	management	management	NOUN
fbem-31942	142	4	systems	system	NOUN
fbem-31942	142	5	are	be	AUX
fbem-31942	142	6	struggling	struggle	VERB
fbem-31942	142	7	to	to	PART
fbem-31942	142	8	adapt	adapt	VERB
fbem-31942	142	9	to	to	ADP
fbem-31942	142	10	these	these	DET
fbem-31942	142	11	changes	change	NOUN
fbem-31942	142	12	.	.	PUNCT
fbem-31942	143	1	through	through	ADP
fbem-31942	143	2	analysis	analysis	NOUN
fbem-31942	143	3	,	,	PUNCT
fbem-31942	143	4	this	this	DET
fbem-31942	143	5	article	article	NOUN
fbem-31942	143	6	found	find	VERB
fbem-31942	143	7	that	that	SCONJ
fbem-31942	143	8	the	the	DET
fbem-31942	143	9	core	core	NOUN
fbem-31942	143	10	challenges	challenge	NOUN
fbem-31942	143	11	of	of	ADP
fbem-31942	143	12	enterprise	enterprise	NOUN
fbem-31942	143	13	risk	risk	NOUN
fbem-31942	143	14	management	management	NOUN
fbem-31942	143	15	are	be	AUX
fbem-31942	143	16	concentrated	concentrate	VERB
fbem-31942	143	17	in	in	ADP
fbem-31942	143	18	four	four	NUM
fbem-31942	143	19	aspects	aspect	NOUN
fbem-31942	143	20	:	:	PUNCT
fbem-31942	143	21	first	first	ADV
fbem-31942	143	22	,	,	PUNCT
fbem-31942	143	23	the	the	DET
fbem-31942	143	24	new	new	ADJ
fbem-31942	143	25	risk	risk	NOUN
fbem-31942	143	26	forms	form	NOUN
fbem-31942	143	27	are	be	AUX
fbem-31942	143	28	complex	complex	ADJ
fbem-31942	143	29	,	,	PUNCT
fbem-31942	143	30	and	and	CCONJ
fbem-31942	143	31	traditional	traditional	ADJ
fbem-31942	143	32	identification	identification	NOUN
fbem-31942	143	33	,	,	PUNCT
fbem-31942	143	34	assessment	assessment	NOUN
fbem-31942	143	35	,	,	PUNCT
fbem-31942	143	36	and	and	CCONJ
fbem-31942	143	37	control	control	NOUN
fbem-31942	143	38	methods	method	NOUN
fbem-31942	143	39	are	be	AUX
fbem-31942	143	40	lagging	lag	VERB
fbem-31942	143	41	behind	behind	ADP
fbem-31942	143	42	;	;	PUNCT
fbem-31942	143	43	second	second	X
fbem-31942	143	44	,	,	PUNCT
fbem-31942	143	45	the	the	DET
fbem-31942	143	46	technical	technical	ADJ
fbem-31942	143	47	architecture	architecture	NOUN
fbem-31942	143	48	is	be	AUX
fbem-31942	143	49	fragile	fragile	ADJ
fbem-31942	143	50	and	and	CCONJ
fbem-31942	143	51	data	datum	NOUN
fbem-31942	143	52	governance	governance	NOUN
fbem-31942	143	53	is	be	AUX
fbem-31942	143	54	not	not	PART
fbem-31942	143	55	standardized	standardize	VERB
fbem-31942	143	56	,	,	PUNCT
fbem-31942	143	57	resulting	result	VERB
fbem-31942	143	58	in	in	ADP
fbem-31942	143	59	frequent	frequent	ADJ
fbem-31942	143	60	technical	technical	ADJ
fbem-31942	143	61	security	security	NOUN
fbem-31942	143	62	and	and	CCONJ
fbem-31942	143	63	data	datum	NOUN
fbem-31942	143	64	compliance	compliance	NOUN
fbem-31942	143	65	risks	risk	NOUN
fbem-31942	143	66	;	;	PUNCT
fbem-31942	143	67	third	third	ADJ
fbem-31942	143	68	,	,	PUNCT
fbem-31942	143	69	regulatory	regulatory	ADJ
fbem-31942	143	70	policies	policy	NOUN
fbem-31942	143	71	are	be	AUX
fbem-31942	143	72	updated	update	VERB
fbem-31942	143	73	quickly	quickly	ADV
fbem-31942	143	74	and	and	CCONJ
fbem-31942	143	75	standards	standard	NOUN
fbem-31942	143	76	are	be	AUX
fbem-31942	143	77	not	not	PART
fbem-31942	143	78	unified	unified	ADJ
fbem-31942	143	79	,	,	PUNCT
fbem-31942	143	80	making	make	VERB
fbem-31942	143	81	compliance	compliance	NOUN
fbem-31942	143	82	more	more	ADV
fbem-31942	143	83	difficult	difficult	ADJ
fbem-31942	143	84	;	;	PUNCT
fbem-31942	143	85	fourth	fourth	X
fbem-31942	143	86	,	,	PUNCT
fbem-31942	143	87	the	the	DET
fbem-31942	143	88	reserve	reserve	NOUN
fbem-31942	143	89	of	of	ADP
fbem-31942	143	90	compound	compound	NOUN
fbem-31942	143	91	talents	talent	NOUN
fbem-31942	143	92	in	in	ADP
fbem-31942	143	93	"	"	PUNCT
fbem-31942	143	94	technology	technology	NOUN
fbem-31942	143	95	+	+	CCONJ
fbem-31942	143	96	risk	risk	NOUN
fbem-31942	143	97	control	control	NOUN
fbem-31942	143	98	"	"	PUNCT
fbem-31942	143	99	is	be	AUX
fbem-31942	143	100	insufficient	insufficient	ADJ
fbem-31942	143	101	,	,	PUNCT
fbem-31942	143	102	which	which	PRON
fbem-31942	143	103	restricts	restrict	VERB
fbem-31942	143	104	the	the	DET
fbem-31942	143	105	improvement	improvement	NOUN
fbem-31942	143	106	of	of	ADP
fbem-31942	143	107	risk	risk	NOUN
fbem-31942	143	108	management	management	NOUN
fbem-31942	143	109	capabilities	capability	NOUN
fbem-31942	143	110	.	.	PUNCT
fbem-31942	144	1	in	in	ADP
fbem-31942	144	2	response	response	NOUN
fbem-31942	144	3	to	to	ADP
fbem-31942	144	4	these	these	DET
fbem-31942	144	5	challenges	challenge	NOUN
fbem-31942	144	6	,	,	PUNCT
fbem-31942	144	7	enterprises	enterprise	NOUN
fbem-31942	144	8	need	need	VERB
fbem-31942	144	9	to	to	PART
fbem-31942	144	10	build	build	VERB
fbem-31942	144	11	a	a	DET
fbem-31942	144	12	response	response	NOUN
fbem-31942	144	13	system	system	NOUN
fbem-31942	144	14	from	from	ADP
fbem-31942	144	15	four	four	NUM
fbem-31942	144	16	dimensions	dimension	NOUN
fbem-31942	144	17	:	:	PUNCT
fbem-31942	144	18	technology	technology	NOUN
fbem-31942	144	19	,	,	PUNCT
fbem-31942	144	20	system	system	NOUN
fbem-31942	144	21	,	,	PUNCT
fbem-31942	144	22	talent	talent	NOUN
fbem-31942	144	23	,	,	PUNCT
fbem-31942	144	24	and	and	CCONJ
fbem-31942	144	25	regulatory	regulatory	ADJ
fbem-31942	144	26	coordination	coordination	NOUN
fbem-31942	144	27	:	:	PUNCT
fbem-31942	144	28	enable	enable	VERB
fbem-31942	144	29	real	real	ADJ
fbem-31942	144	30	-	-	PUNCT
fbem-31942	144	31	time	time	NOUN
fbem-31942	144	32	risk	risk	NOUN
fbem-31942	144	33	identification	identification	NOUN
fbem-31942	144	34	and	and	CCONJ
fbem-31942	144	35	dynamic	dynamic	ADJ
fbem-31942	144	36	control	control	NOUN
fbem-31942	144	37	through	through	ADP
fbem-31942	144	38	technology	technology	NOUN
fbem-31942	144	39	,	,	PUNCT
fbem-31942	144	40	and	and	CCONJ
fbem-31942	144	41	standardize	standardize	VERB
fbem-31942	144	42	technical	technical	ADJ
fbem-31942	144	43	security	security	NOUN
fbem-31942	144	44	through	through	ADP
fbem-31942	144	45	system	system	NOUN
fbem-31942	144	46	improvement	improvement	NOUN
fbem-31942	144	47	.	.	PUNCT
fbem-31942	145	1	with	with	ADP
fbem-31942	145	2	data	data	NOUN
fbem-31942	145	3	compliance	compliance	NOUN
fbem-31942	145	4	management	management	NOUN
fbem-31942	145	5	,	,	PUNCT
fbem-31942	145	6	a	a	DET
fbem-31942	145	7	composite	composite	ADJ
fbem-31942	145	8	risk	risk	NOUN
fbem-31942	145	9	control	control	NOUN
fbem-31942	145	10	team	team	NOUN
fbem-31942	145	11	is	be	AUX
fbem-31942	145	12	built	build	VERB
fbem-31942	145	13	through	through	ADP
fbem-31942	145	14	talent	talent	NOUN
fbem-31942	145	15	development	development	NOUN
fbem-31942	145	16	,	,	PUNCT
fbem-31942	145	17	and	and	CCONJ
fbem-31942	145	18	compliance	compliance	NOUN
fbem-31942	145	19	risks	risk	NOUN
fbem-31942	145	20	are	be	AUX
fbem-31942	145	21	reduced	reduce	VERB
fbem-31942	145	22	through	through	ADP
fbem-31942	145	23	regulatory	regulatory	ADJ
fbem-31942	145	24	collaboration	collaboration	NOUN
fbem-31942	145	25	.	.	PUNCT
fbem-31942	146	1	only	only	ADV
fbem-31942	146	2	by	by	ADP
fbem-31942	146	3	breaking	break	VERB
fbem-31942	146	4	the	the	DET
fbem-31942	146	5	traditional	traditional	ADJ
fbem-31942	146	6	risk	risk	NOUN
fbem-31942	146	7	management	management	NOUN
fbem-31942	146	8	thinking	thinking	NOUN
fbem-31942	146	9	of	of	ADP
fbem-31942	146	10	"	"	PUNCT
fbem-31942	146	11	departmental	departmental	ADJ
fbem-31942	146	12	division	division	NOUN
fbem-31942	146	13	"	"	PUNCT
fbem-31942	146	14	and	and	CCONJ
fbem-31942	146	15	"	"	PUNCT
fbem-31942	146	16	manual	manual	ADJ
fbem-31942	146	17	dependence	dependence	NOUN
fbem-31942	146	18	"	"	PUNCT
fbem-31942	146	19	and	and	CCONJ
fbem-31942	146	20	building	build	VERB
fbem-31942	146	21	a	a	DET
fbem-31942	146	22	"	"	PUNCT
fbem-31942	146	23	technology	technology	NOUN
fbem-31942	146	24	+	+	CCONJ
fbem-31942	146	25	system	system	NOUN
fbem-31942	146	26	+	+	CCONJ
fbem-31942	146	27	talent	talent	NOUN
fbem-31942	146	28	"	"	PUNCT
fbem-31942	146	29	trinity	trinity	NOUN
fbem-31942	146	30	system	system	NOUN
fbem-31942	146	31	can	can	AUX
fbem-31942	146	32	we	we	PRON
fbem-31942	146	33	effectively	effectively	ADV
fbem-31942	146	34	deal	deal	VERB
fbem-31942	146	35	with	with	ADP
fbem-31942	146	36	the	the	DET
fbem-31942	146	37	risks	risk	NOUN
fbem-31942	146	38	brought	bring	VERB
fbem-31942	146	39	by	by	ADP
fbem-31942	146	40	financial	financial	ADJ
fbem-31942	146	41	technology	technology	NOUN
fbem-31942	146	42	.	.	PUNCT
fbem-31942	147	1	this	this	DET
fbem-31942	147	2	study	study	NOUN
fbem-31942	147	3	also	also	ADV
fbem-31942	147	4	has	have	VERB
fbem-31942	147	5	certain	certain	ADJ
fbem-31942	147	6	shortcomings	shortcoming	NOUN
fbem-31942	147	7	.	.	PUNCT
fbem-31942	148	1	for	for	ADP
fbem-31942	148	2	example	example	NOUN
fbem-31942	148	3	,	,	PUNCT
fbem-31942	148	4	it	it	PRON
fbem-31942	148	5	did	do	AUX
fbem-31942	148	6	not	not	PART
fbem-31942	148	7	analyze	analyze	VERB
fbem-31942	148	8	the	the	DET
fbem-31942	148	9	risk	risk	NOUN
fbem-31942	148	10	differences	difference	NOUN
fbem-31942	148	11	between	between	ADP
fbem-31942	148	12	enterprises	enterprise	NOUN
fbem-31942	148	13	in	in	ADP
fbem-31942	148	14	different	different	ADJ
fbem-31942	148	15	industries	industry	NOUN
fbem-31942	148	16	.	.	PUNCT
fbem-31942	149	1	in	in	ADP
fbem-31942	149	2	the	the	DET
fbem-31942	149	3	future	future	NOUN
fbem-31942	149	4	,	,	PUNCT
fbem-31942	149	5	it	it	PRON
fbem-31942	149	6	can	can	AUX
fbem-31942	149	7	combine	combine	VERB
fbem-31942	149	8	the	the	DET
fbem-31942	149	9	characteristics	characteristic	NOUN
fbem-31942	149	10	of	of	ADP
fbem-31942	149	11	different	different	ADJ
fbem-31942	149	12	industries	industry	NOUN
fbem-31942	149	13	such	such	ADJ
fbem-31942	149	14	as	as	ADP
fbem-31942	149	15	retail	retail	NOUN
fbem-31942	149	16	,	,	PUNCT
fbem-31942	149	17	finance	finance	NOUN
fbem-31942	149	18	,	,	PUNCT
fbem-31942	149	19	and	and	CCONJ
fbem-31942	149	20	manufacturing	manufacturing	NOUN
fbem-31942	149	21	to	to	PART
fbem-31942	149	22	conduct	conduct	VERB
fbem-31942	149	23	in	in	ADP
fbem-31942	149	24	-	-	PUNCT
fbem-31942	149	25	depth	depth	NOUN
fbem-31942	149	26	research	research	NOUN
fbem-31942	149	27	on	on	ADP
fbem-31942	149	28	industryspecific	industryspecific	ADJ
fbem-31942	149	29	risk	risk	NOUN
fbem-31942	149	30	management	management	NOUN
fbem-31942	149	31	paths	path	NOUN
fbem-31942	149	32	.	.	PUNCT
fbem-31942	150	1	in	in	ADP
fbem-31942	150	2	the	the	DET
fbem-31942	150	3	future	future	NOUN
fbem-31942	150	4	,	,	PUNCT
fbem-31942	150	5	with	with	ADP
fbem-31942	150	6	the	the	DET
fbem-31942	150	7	further	further	ADJ
fbem-31942	150	8	development	development	NOUN
fbem-31942	150	9	of	of	ADP
fbem-31942	150	10	financial	financial	ADJ
fbem-31942	150	11	technology	technology	NOUN
fbem-31942	150	12	,	,	PUNCT
fbem-31942	150	13	new	new	ADJ
fbem-31942	150	14	technologies	technology	NOUN
fbem-31942	150	15	such	such	ADJ
fbem-31942	150	16	as	as	ADP
fbem-31942	150	17	quantum	quantum	NOUN
fbem-31942	150	18	computing	computing	NOUN
fbem-31942	150	19	and	and	CCONJ
fbem-31942	150	20	the	the	DET
fbem-31942	150	21	metaverse	metaverse	NOUN
fbem-31942	150	22	may	may	AUX
fbem-31942	150	23	bring	bring	VERB
fbem-31942	150	24	new	new	ADJ
fbem-31942	150	25	risks	risk	NOUN
fbem-31942	150	26	.	.	PUNCT
fbem-31942	151	1	enterprise	enterprise	NOUN
fbem-31942	151	2	risk	risk	NOUN
fbem-31942	151	3	management	management	NOUN
fbem-31942	151	4	needs	need	VERB
fbem-31942	151	5	to	to	PART
fbem-31942	151	6	be	be	AUX
fbem-31942	151	7	continuously	continuously	ADV
fbem-31942	151	8	iterated	iterate	VERB
fbem-31942	151	9	to	to	PART
fbem-31942	151	10	achieve	achieve	VERB
fbem-31942	151	11	long	long	ADJ
fbem-31942	151	12	-	-	PUNCT
fbem-31942	151	13	term	term	NOUN
fbem-31942	151	14	and	and	CCONJ
fbem-31942	151	15	stable	stable	ADJ
fbem-31942	151	16	development	development	NOUN
fbem-31942	151	17	in	in	ADP
fbem-31942	151	18	the	the	DET
fbem-31942	151	19	wave	wave	NOUN
fbem-31942	151	20	of	of	ADP
fbem-31942	151	21	digitalization	digitalization	NOUN
fbem-31942	151	22	.	.	PUNCT
fbem-31942	152	1	references	reference	NOUN
fbem-31942	152	2	[	[	X
fbem-31942	152	3	1	1	NUM
fbem-31942	152	4	]	]	X
fbem-31942	152	5	li	li	PROPN
fbem-31942	152	6	yang	yang	PROPN
fbem-31942	152	7	.	.	PUNCT
fbem-31942	153	1	analysis	analysis	NOUN
fbem-31942	153	2	of	of	ADP
fbem-31942	153	3	financing	financing	NOUN
fbem-31942	153	4	methods	method	NOUN
fbem-31942	153	5	and	and	CCONJ
fbem-31942	153	6	countermeasures	countermeasure	NOUN
fbem-31942	153	7	for	for	ADP
fbem-31942	153	8	small	small	ADJ
fbem-31942	153	9	and	and	CCONJ
fbem-31942	153	10	medium	medium	ADJ
fbem-31942	153	11	-	-	PUNCT
fbem-31942	153	12	sized	sized	ADJ
fbem-31942	153	13	enterprises	enterprise	NOUN
fbem-31942	153	14	under	under	ADP
fbem-31942	153	15	the	the	DET
fbem-31942	153	16	wave	wave	NOUN
fbem-31942	153	17	of	of	ADP
fbem-31942	153	18	financial	financial	ADJ
fbem-31942	153	19	technology	technology	NOUN
fbem-31942	154	1	[	[	X
fbem-31942	154	2	j	j	X
fbem-31942	154	3	]	]	X
fbem-31942	154	4	.	.	PUNCT
fbem-31942	155	1	journal	journal	PROPN
fbem-31942	155	2	of	of	ADP
fbem-31942	155	3	inner	inner	PROPN
fbem-31942	155	4	mongolia	mongolia	PROPN
fbem-31942	155	5	university	university	PROPN
fbem-31942	155	6	for	for	ADP
fbem-31942	155	7	nationalities	nationality	NOUN
fbem-31942	155	8	(	(	PUNCT
fbem-31942	155	9	social	social	ADJ
fbem-31942	155	10	sciences	science	NOUN
fbem-31942	155	11	edition	edition	NOUN
fbem-31942	155	12	)	)	PUNCT
fbem-31942	155	13	,	,	PUNCT
fbem-31942	155	14	2018	2018	NUM
fbem-31942	155	15	,	,	PUNCT
fbem-31942	155	16	44(01	44(01	NUM
fbem-31942	155	17	):	):	PUNCT
fbem-31942	155	18	114119	114119	NUM
fbem-31942	155	19	.	.	PUNCT
fbem-31942	156	1	doi	doi	NOUN
fbem-31942	156	2	:	:	PUNCT
fbem-31942	156	3	10.14045	10.14045	NUM
fbem-31942	156	4	/	/	SYM
fbem-31942	156	5	j.cnki.nmsx.2018.01.021	j.cnki.nmsx.2018.01.021	PROPN
fbem-31942	156	6	.	.	PUNCT
fbem-31942	157	1	[	[	X
fbem-31942	157	2	2	2	X
fbem-31942	157	3	]	]	X
fbem-31942	157	4	ren	ren	PROPN
fbem-31942	157	5	kai	kai	PROPN
fbem-31942	157	6	.	.	PUNCT
fbem-31942	157	7	challenges	challenge	NOUN
fbem-31942	157	8	and	and	CCONJ
fbem-31942	157	9	countermeasures	countermeasure	NOUN
fbem-31942	157	10	of	of	ADP
fbem-31942	157	11	financial	financial	ADJ
fbem-31942	157	12	market	market	NOUN
fbem-31942	157	13	fluctuations	fluctuation	NOUN
fbem-31942	157	14	to	to	ADP
fbem-31942	157	15	corporate	corporate	ADJ
fbem-31942	157	16	financial	financial	ADJ
fbem-31942	157	17	risk	risk	NOUN
fbem-31942	157	18	management	management	NOUN
fbem-31942	158	1	[	[	X
fbem-31942	158	2	j	j	X
fbem-31942	158	3	]	]	X
fbem-31942	158	4	.	.	PUNCT
fbem-31942	159	1	enterprise	enterprise	NOUN
fbem-31942	159	2	reform	reform	NOUN
fbem-31942	159	3	and	and	CCONJ
fbem-31942	159	4	management	management	NOUN
fbem-31942	159	5	,	,	PUNCT
fbem-31942	159	6	2023	2023	NUM
fbem-31942	159	7	,	,	PUNCT
fbem-31942	159	8	(	(	PUNCT
fbem-31942	159	9	13	13	NUM
fbem-31942	159	10	):	):	SYM
fbem-31942	159	11	111	111	NUM
fbem-31942	159	12	-	-	SYM
fbem-31942	159	13	113	113	NUM
fbem-31942	159	14	.	.	PUNCT
fbem-31942	160	1	doi	doi	NOUN
fbem-31942	160	2	:	:	PUNCT
fbem-31942	160	3	10.13768	10.13768	NUM
fbem-31942	160	4	/	/	SYM
fbem-31942	160	5	j.cnki.cn11	j.cnki.cn11	ADV
fbem-31942	160	6	-	-	PUNCT
fbem-31942	160	7	3793	3793	NUM
fbem-31942	160	8	/	/	SYM
fbem-31942	160	9	f.2023.0729	f.2023.0729	NOUN
fbem-31942	160	10	.	.	PUNCT
fbem-31942	161	1	[	[	X
fbem-31942	161	2	3	3	X
fbem-31942	161	3	]	]	X
fbem-31942	161	4	lv	lv	PROPN
fbem-31942	161	5	changshun	changshun	PROPN
fbem-31942	161	6	.	.	PUNCT
fbem-31942	162	1	under	under	ADP
fbem-31942	162	2	the	the	DET
fbem-31942	162	3	suspension	suspension	NOUN
fbem-31942	162	4	of	of	ADP
fbem-31942	162	5	ant	ant	ADJ
fbem-31942	162	6	group	group	NOUN
fbem-31942	162	7	's	's	PART
fbem-31942	162	8	ipo	ipo	NOUN
fbem-31942	162	9	,	,	PUNCT
fbem-31942	162	10	financial	financial	ADJ
fbem-31942	162	11	technology	technology	NOUN
fbem-31942	162	12	companies	company	NOUN
fbem-31942	162	13	in	in	ADP
fbem-31942	162	14	the	the	DET
fbem-31942	162	15	new	new	ADJ
fbem-31942	162	16	regulatory	regulatory	ADJ
fbem-31942	162	17	era	era	NOUN
fbem-31942	162	18	how	how	SCONJ
fbem-31942	162	19	to	to	PART
fbem-31942	162	20	plan	plan	VERB
fbem-31942	162	21	and	and	CCONJ
fbem-31942	162	22	respond	respond	VERB
fbem-31942	162	23	in	in	ADP
fbem-31942	162	24	the	the	DET
fbem-31942	162	25	new	new	ADJ
fbem-31942	162	26	era	era	NOUN
fbem-31942	163	1	[	[	X
fbem-31942	163	2	j	j	X
fbem-31942	163	3	]	]	X
fbem-31942	163	4	.	.	PUNCT
fbem-31942	164	1	fortune	fortune	PROPN
fbem-31942	164	2	times	times	PROPN
fbem-31942	164	3	,	,	PUNCT
fbem-31942	164	4	2020	2020	NUM
fbem-31942	164	5	,	,	PUNCT
fbem-31942	164	6	(	(	PUNCT
fbem-31942	164	7	11	11	NUM
fbem-31942	164	8	):	):	PUNCT
fbem-31942	164	9	1	1	NUM
fbem-31942	164	10	-	-	SYM
fbem-31942	164	11	3	3	NUM
fbem-31942	164	12	.	.	PUNCT
fbem-31942	165	1	[	[	X
fbem-31942	165	2	4	4	NUM
fbem-31942	165	3	]	]	X
fbem-31942	165	4	agricultural	agricultural	ADJ
fbem-31942	165	5	bank	bank	PROPN
fbem-31942	165	6	of	of	ADP
fbem-31942	165	7	china	china	PROPN
fbem-31942	165	8	wuhan	wuhan	PROPN
fbem-31942	165	9	training	training	PROPN
fbem-31942	165	10	institute	institute	PROPN
fbem-31942	165	11	research	research	PROPN
fbem-31942	165	12	group	group	NOUN
fbem-31942	165	13	,	,	PUNCT
fbem-31942	165	14	he	he	PRON
fbem-31942	165	15	duye	duye	VERB
fbem-31942	165	16	.	.	PUNCT
fbem-31942	166	1	research	research	NOUN
fbem-31942	166	2	on	on	ADP
fbem-31942	166	3	the	the	DET
fbem-31942	166	4	risk	risk	NOUN
fbem-31942	166	5	management	management	NOUN
fbem-31942	166	6	strategy	strategy	NOUN
fbem-31942	166	7	of	of	ADP
fbem-31942	166	8	small	small	ADJ
fbem-31942	166	9	and	and	CCONJ
fbem-31942	166	10	micro	micro	ADJ
fbem-31942	166	11	financial	financial	ADJ
fbem-31942	166	12	services	service	NOUN
fbem-31942	166	13	of	of	ADP
fbem-31942	166	14	commercial	commercial	ADJ
fbem-31942	166	15	banks	bank	NOUN
fbem-31942	166	16	in	in	ADP
fbem-31942	166	17	the	the	DET
fbem-31942	166	18	"	"	PUNCT
fbem-31942	166	19	internet	internet	NOUN
fbem-31942	166	20	+	+	NOUN
fbem-31942	166	21	"	"	PUNCT
fbem-31942	166	22	era	era	NOUN
fbem-31942	167	1	[	[	X
fbem-31942	167	2	j	j	X
fbem-31942	167	3	]	]	X
fbem-31942	167	4	.	.	PUNCT
fbem-31942	168	1	journal	journal	PROPN
fbem-31942	168	2	of	of	ADP
fbem-31942	168	3	agricultural	agricultural	ADJ
fbem-31942	168	4	bank	bank	PROPN
fbem-31942	168	5	of	of	ADP
fbem-31942	168	6	china	china	PROPN
fbem-31942	168	7	,	,	PUNCT
fbem-31942	168	8	2020	2020	NUM
fbem-31942	168	9	,	,	PUNCT
fbem-31942	168	10	(	(	PUNCT
fbem-31942	168	11	04	04	NUM
fbem-31942	168	12	):	):	PUNCT
fbem-31942	168	13	43	43	NUM
fbem-31942	168	14	-	-	SYM
fbem-31942	168	15	48	48	NUM
fbem-31942	168	16	.	.	PUNCT
fbem-31942	169	1	doi	doi	NOUN
fbem-31942	169	2	:	:	PUNCT
fbem-31942	169	3	10.16678	10.16678	NUM
fbem-31942	169	4	/	/	SYM
fbem-31942	169	5	j.cnki.421864	j.cnki.421864	PROPN
fbem-31942	169	6	/	/	SYM
fbem-31942	169	7	f.2020.04.009	f.2020.04.009	NUM
fbem-31942	169	8	.	.	PUNCT
fbem-31942	170	1	[	[	X
fbem-31942	170	2	5	5	X
fbem-31942	170	3	]	]	PUNCT
fbem-31942	170	4	zhu	zhu	PROPN
fbem-31942	170	5	xiaoyue	xiaoyue	PROPN
fbem-31942	170	6	.	.	PUNCT
fbem-31942	171	1	analysis	analysis	NOUN
fbem-31942	171	2	of	of	ADP
fbem-31942	171	3	the	the	DET
fbem-31942	171	4	impact	impact	NOUN
fbem-31942	171	5	of	of	ADP
fbem-31942	171	6	financial	financial	ADJ
fbem-31942	171	7	technology	technology	NOUN
fbem-31942	171	8	on	on	ADP
fbem-31942	171	9	small	small	ADJ
fbem-31942	171	10	and	and	CCONJ
fbem-31942	171	11	micro	micro	ADJ
fbem-31942	171	12	enterprises	enterprise	NOUN
fbem-31942	171	13	in	in	ADP
fbem-31942	171	14	the	the	DET
fbem-31942	171	15	big	big	ADJ
fbem-31942	171	16	data	datum	NOUN
fbem-31942	171	17	era	era	NOUN
fbem-31942	172	1	[	[	X
fbem-31942	172	2	j	j	X
fbem-31942	172	3	]	]	X
fbem-31942	172	4	.	.	PUNCT
fbem-31942	173	1	shopping	shopping	PROPN
fbem-31942	173	2	mall	mall	PROPN
fbem-31942	173	3	modernization	modernization	NOUN
fbem-31942	173	4	,	,	PUNCT
fbem-31942	173	5	2022	2022	NUM
fbem-31942	173	6	,	,	PUNCT
fbem-31942	173	7	(	(	PUNCT
fbem-31942	173	8	02	02	NUM
fbem-31942	173	9	):	):	PUNCT
fbem-31942	173	10	98	98	NUM
fbem-31942	173	11	-	-	SYM
fbem-31942	173	12	100	100	NUM
fbem-31942	173	13	.	.	PUNCT
fbem-31942	174	1	doi	doi	NOUN
fbem-31942	174	2	:	:	PUNCT
fbem-31942	174	3	10.14013	10.14013	NUM
fbem-31942	174	4	/	/	SYM
fbem-31942	174	5	j.cnki.scxdh.2022.02.037	j.cnki.scxdh.2022.02.037	PROPN
fbem-31942	174	6	.	.	PUNCT
fbem-31942	175	1	analysis	analysis	NOUN
fbem-31942	175	2	of	of	ADP
fbem-31942	175	3	new	new	ADJ
fbem-31942	175	4	challenges	challenge	NOUN
fbem-31942	175	5	and	and	CCONJ
fbem-31942	175	6	response	response	NOUN
fbem-31942	175	7	paths	path	NOUN
fbem-31942	175	8	for	for	ADP
fbem-31942	175	9	enterprise	enterprise	NOUN
fbem-31942	175	10	risk	risk	NOUN
fbem-31942	175	11	management	management	NOUN
fbem-31942	175	12	under	under	ADP
fbem-31942	175	13	the	the	DET
fbem-31942	175	14	wave	wave	NOUN
fbem-31942	175	15	of	of	ADP
fbem-31942	175	16	financial	financial	ADJ
fbem-31942	175	17	technology	technology	NOUN
fbem-31942	175	18	1	1	NUM
fbem-31942	175	19	.	.	PUNCT
fbem-31942	175	20	introduction	introduction	NOUN
fbem-31942	175	21	2	2	NUM
fbem-31942	175	22	.	.	PUNCT
fbem-31942	175	23	new	new	ADJ
fbem-31942	175	24	enterprise	enterprise	NOUN
fbem-31942	175	25	risk	risk	NOUN
fbem-31942	175	26	profiles	profile	NOUN
fbem-31942	175	27	driven	drive	VERB
fbem-31942	175	28	by	by	ADP
fbem-31942	175	29	fintech	fintech	NOUN
fbem-31942	175	30	3	3	NUM
fbem-31942	175	31	.	.	PUNCT
fbem-31942	176	1	the	the	DET
fbem-31942	176	2	inadequacy	inadequacy	NOUN
fbem-31942	176	3	of	of	ADP
fbem-31942	176	4	traditional	traditional	ADJ
fbem-31942	176	5	enterprise	enterprise	NOUN
fbem-31942	176	6	risk	risk	NOUN
fbem-31942	176	7	management	management	NOUN
fbem-31942	176	8	systems	system	NOUN
fbem-31942	176	9	4	4	NUM
fbem-31942	176	10	.	.	PUNCT
fbem-31942	177	1	technical	technical	ADJ
fbem-31942	177	2	security	security	NOUN
fbem-31942	177	3	and	and	CCONJ
fbem-31942	177	4	data	datum	NOUN
fbem-31942	177	5	compliance	compliance	NOUN
fbem-31942	177	6	risks	risk	NOUN
fbem-31942	177	7	in	in	ADP
fbem-31942	177	8	fintech	fintech	NOUN
fbem-31942	177	9	applications	application	NOUN
fbem-31942	177	10	5	5	NUM
fbem-31942	177	11	.	.	PUNCT
fbem-31942	178	1	regulatory	regulatory	ADJ
fbem-31942	178	2	challenges	challenge	NOUN
fbem-31942	178	3	faced	face	VERB
fbem-31942	178	4	by	by	ADP
fbem-31942	178	5	companies	company	NOUN
fbem-31942	178	6	in	in	ADP
fbem-31942	178	7	the	the	DET
fbem-31942	178	8	fintech	fintech	NOUN
fbem-31942	178	9	context	context	NOUN
fbem-31942	178	10	6	6	NUM
fbem-31942	178	11	.	.	PUNCT
fbem-31942	179	1	response	response	NOUN
fbem-31942	179	2	paths	path	NOUN
fbem-31942	179	3	to	to	ADP
fbem-31942	179	4	enterprise	enterprise	NOUN
fbem-31942	179	5	risk	risk	NOUN
fbem-31942	179	6	management	management	NOUN
fbem-31942	179	7	in	in	ADP
fbem-31942	179	8	the	the	DET
fbem-31942	179	9	fintech	fintech	NOUN
fbem-31942	179	10	context	context	NOUN
fbem-31942	179	11	7	7	NUM
fbem-31942	179	12	.	.	PUNCT
fbem-31942	180	1	conclusion	conclusion	NOUN
fbem-31942	180	2	references	reference	NOUN