id	sid	tid	token	lemma	pos
fbem-3454	1	1	frontiers	frontier	NOUN
fbem-3454	1	2	in	in	ADP
fbem-3454	1	3	business	business	NOUN
fbem-3454	1	4	,	,	PUNCT
fbem-3454	1	5	economics	economic	NOUN
fbem-3454	1	6	and	and	CCONJ
fbem-3454	1	7	management	management	NOUN
fbem-3454	1	8	issn	issn	PROPN
fbem-3454	1	9	:	:	PUNCT
fbem-3454	1	10	2766	2766	NUM
fbem-3454	1	11	-	-	PUNCT
fbem-3454	1	12	824x	824x	NUM
fbem-3454	1	13	|	|	ADJ
fbem-3454	1	14	vol	vol	NOUN
fbem-3454	1	15	.	.	PROPN
fbem-3454	2	1	6	6	NUM
fbem-3454	2	2	,	,	PUNCT
fbem-3454	2	3	no	no	INTJ
fbem-3454	2	4	.	.	NOUN
fbem-3454	2	5	3	3	NUM
fbem-3454	2	6	,	,	PUNCT
fbem-3454	2	7	2022	2022	NUM
fbem-3454	2	8	165	165	NUM
fbem-3454	2	9	analysis	analysis	NOUN
fbem-3454	2	10	and	and	CCONJ
fbem-3454	2	11	strategies	strategy	NOUN
fbem-3454	2	12	on	on	ADP
fbem-3454	2	13	the	the	DET
fbem-3454	2	14	internet	internet	NOUN
fbem-3454	2	15	wealth	wealth	NOUN
fbem-3454	2	16	management	management	NOUN
fbem-3454	2	17	scenario‐based	scenario‐base	VERB
fbem-3454	2	18	planning	planning	PROPN
fbem-3454	2	19	jun	jun	PROPN
fbem-3454	2	20	yao1	yao1	PROPN
fbem-3454	2	21	,	,	PUNCT
fbem-3454	2	22	bin	bin	PROPN
fbem-3454	2	23	yao2	yao2	NOUN
fbem-3454	2	24	1	1	NUM
fbem-3454	2	25	school	school	NOUN
fbem-3454	2	26	of	of	ADP
fbem-3454	2	27	economics	economic	NOUN
fbem-3454	2	28	,	,	PUNCT
fbem-3454	2	29	guangzhou	guangzhou	PROPN
fbem-3454	2	30	college	college	PROPN
fbem-3454	2	31	of	of	ADP
fbem-3454	2	32	commerce	commerce	PROPN
fbem-3454	2	33	,	,	PUNCT
fbem-3454	2	34	guangzhou	guangzhou	PROPN
fbem-3454	2	35	,	,	PUNCT
fbem-3454	2	36	511363	511363	NUM
fbem-3454	2	37	,	,	PUNCT
fbem-3454	2	38	china	china	PROPN
fbem-3454	2	39	2	2	NUM
fbem-3454	2	40	school	school	NOUN
fbem-3454	2	41	of	of	ADP
fbem-3454	2	42	information	information	NOUN
fbem-3454	2	43	technology	technology	NOUN
fbem-3454	2	44	in	in	ADP
fbem-3454	2	45	education	education	NOUN
fbem-3454	2	46	scnu	scnu	NOUN
fbem-3454	2	47	,	,	PUNCT
fbem-3454	2	48	guangzhou	guangzhou	PROPN
fbem-3454	2	49	,	,	PUNCT
fbem-3454	2	50	510631	510631	NUM
fbem-3454	2	51	,	,	PUNCT
fbem-3454	2	52	china	china	PROPN
fbem-3454	2	53	abstract	abstract	PROPN
fbem-3454	2	54	:	:	PUNCT
fbem-3454	2	55	in	in	ADP
fbem-3454	2	56	the	the	DET
fbem-3454	2	57	internet	internet	NOUN
fbem-3454	2	58	era	era	NOUN
fbem-3454	2	59	,	,	PUNCT
fbem-3454	2	60	financial	financial	ADJ
fbem-3454	2	61	institutions	institution	NOUN
fbem-3454	2	62	are	be	AUX
fbem-3454	2	63	gradually	gradually	ADV
fbem-3454	2	64	paying	pay	VERB
fbem-3454	2	65	attention	attention	NOUN
fbem-3454	2	66	to	to	ADP
fbem-3454	2	67	the	the	DET
fbem-3454	2	68	promotion	promotion	NOUN
fbem-3454	2	69	of	of	ADP
fbem-3454	2	70	internet	internet	NOUN
fbem-3454	2	71	business	business	NOUN
fbem-3454	2	72	services	service	NOUN
fbem-3454	2	73	.	.	PUNCT
fbem-3454	3	1	financial	financial	ADJ
fbem-3454	3	2	institutions	institution	NOUN
fbem-3454	3	3	are	be	AUX
fbem-3454	3	4	aware	aware	ADJ
fbem-3454	3	5	of	of	ADP
fbem-3454	3	6	the	the	DET
fbem-3454	3	7	difficulty	difficulty	NOUN
fbem-3454	3	8	of	of	ADP
fbem-3454	3	9	scenario	scenario	NOUN
fbem-3454	3	10	-	-	PUNCT
fbem-3454	3	11	based	base	VERB
fbem-3454	3	12	financial	financial	ADJ
fbem-3454	3	13	applications	application	NOUN
fbem-3454	3	14	to	to	PART
fbem-3454	3	15	achieve	achieve	VERB
fbem-3454	3	16	close	close	ADJ
fbem-3454	3	17	integration	integration	NOUN
fbem-3454	3	18	with	with	ADP
fbem-3454	3	19	consumers	consumer	NOUN
fbem-3454	3	20	.	.	PUNCT
fbem-3454	4	1	the	the	DET
fbem-3454	4	2	expansion	expansion	NOUN
fbem-3454	4	3	of	of	ADP
fbem-3454	4	4	internet	internet	NOUN
fbem-3454	4	5	finance	finance	NOUN
fbem-3454	4	6	business	business	NOUN
fbem-3454	4	7	in	in	ADP
fbem-3454	4	8	financial	financial	ADJ
fbem-3454	4	9	institutions	institution	NOUN
fbem-3454	4	10	will	will	AUX
fbem-3454	4	11	be	be	AUX
fbem-3454	4	12	used	use	VERB
fbem-3454	4	13	as	as	ADP
fbem-3454	4	14	an	an	DET
fbem-3454	4	15	opportunity	opportunity	NOUN
fbem-3454	4	16	in	in	ADP
fbem-3454	4	17	this	this	DET
fbem-3454	4	18	paper	paper	NOUN
fbem-3454	4	19	to	to	PART
fbem-3454	4	20	analyze	analyze	VERB
fbem-3454	4	21	the	the	DET
fbem-3454	4	22	scenario	scenario	NOUN
fbem-3454	4	23	-	-	PUNCT
fbem-3454	4	24	based	base	VERB
fbem-3454	4	25	finance	finance	NOUN
fbem-3454	4	26	and	and	CCONJ
fbem-3454	4	27	propose	propose	VERB
fbem-3454	4	28	ideas	idea	NOUN
fbem-3454	4	29	and	and	CCONJ
fbem-3454	4	30	methods	method	NOUN
fbem-3454	4	31	that	that	PRON
fbem-3454	4	32	will	will	AUX
fbem-3454	4	33	solve	solve	VERB
fbem-3454	4	34	the	the	DET
fbem-3454	4	35	problem	problem	NOUN
fbem-3454	4	36	.	.	PUNCT
fbem-3454	5	1	keywords	keyword	NOUN
fbem-3454	5	2	:	:	PUNCT
fbem-3454	5	3	scenario	scenario	NOUN
fbem-3454	5	4	-	-	PUNCT
fbem-3454	5	5	based	base	VERB
fbem-3454	5	6	finance	finance	NOUN
fbem-3454	5	7	,	,	PUNCT
fbem-3454	5	8	internet	internet	NOUN
fbem-3454	5	9	finance	finance	NOUN
fbem-3454	5	10	,	,	PUNCT
fbem-3454	5	11	internet	internet	NOUN
fbem-3454	5	12	wealth	wealth	NOUN
fbem-3454	5	13	management	management	NOUN
fbem-3454	5	14	.	.	PUNCT
fbem-3454	6	1	1	1	X
fbem-3454	6	2	.	.	X
fbem-3454	6	3	introduction	introduction	NOUN
fbem-3454	6	4	along	along	ADP
fbem-3454	6	5	with	with	ADP
fbem-3454	6	6	the	the	DET
fbem-3454	6	7	widespread	widespread	ADJ
fbem-3454	6	8	popularity	popularity	NOUN
fbem-3454	6	9	of	of	ADP
fbem-3454	6	10	the	the	DET
fbem-3454	6	11	internet	internet	NOUN
fbem-3454	6	12	and	and	CCONJ
fbem-3454	6	13	big	big	ADJ
fbem-3454	6	14	data	datum	NOUN
fbem-3454	6	15	,	,	PUNCT
fbem-3454	6	16	scenario	scenario	NOUN
fbem-3454	6	17	-	-	PUNCT
fbem-3454	6	18	based	base	VERB
fbem-3454	6	19	finance	finance	NOUN
fbem-3454	6	20	is	be	AUX
fbem-3454	6	21	being	be	AUX
fbem-3454	6	22	applied	apply	VERB
fbem-3454	6	23	in	in	ADP
fbem-3454	6	24	financial	financial	ADJ
fbem-3454	6	25	institutions	institution	NOUN
fbem-3454	6	26	.	.	PUNCT
fbem-3454	7	1	at	at	ADP
fbem-3454	7	2	the	the	DET
fbem-3454	7	3	same	same	ADJ
fbem-3454	7	4	time	time	NOUN
fbem-3454	7	5	,	,	PUNCT
fbem-3454	7	6	the	the	DET
fbem-3454	7	7	continuous	continuous	ADJ
fbem-3454	7	8	growth	growth	NOUN
fbem-3454	7	9	of	of	ADP
fbem-3454	7	10	residents	resident	NOUN
fbem-3454	7	11	'	'	PART
fbem-3454	7	12	wealth	wealth	NOUN
fbem-3454	7	13	has	have	AUX
fbem-3454	7	14	been	be	AUX
fbem-3454	7	15	realized	realize	VERB
fbem-3454	7	16	through	through	ADP
fbem-3454	7	17	the	the	DET
fbem-3454	7	18	use	use	NOUN
fbem-3454	7	19	of	of	ADP
fbem-3454	7	20	internet	internet	NOUN
fbem-3454	7	21	finance	finance	NOUN
fbem-3454	7	22	platforms	platform	NOUN
fbem-3454	7	23	for	for	ADP
fbem-3454	7	24	wealth	wealth	NOUN
fbem-3454	7	25	management	management	NOUN
fbem-3454	7	26	,	,	PUNCT
fbem-3454	7	27	and	and	CCONJ
fbem-3454	7	28	the	the	DET
fbem-3454	7	29	exchange	exchange	NOUN
fbem-3454	7	30	of	of	ADP
fbem-3454	7	31	funds	fund	NOUN
fbem-3454	7	32	supply	supply	NOUN
fbem-3454	7	33	and	and	CCONJ
fbem-3454	7	34	demand	demand	NOUN
fbem-3454	7	35	has	have	AUX
fbem-3454	7	36	been	be	AUX
fbem-3454	7	37	realized	realize	VERB
fbem-3454	7	38	in	in	ADP
fbem-3454	7	39	scenariobased	scenariobase	VERB
fbem-3454	7	40	platforms	platform	NOUN
fbem-3454	7	41	.	.	PUNCT
fbem-3454	8	1	with	with	ADP
fbem-3454	8	2	the	the	DET
fbem-3454	8	3	close	close	ADJ
fbem-3454	8	4	integration	integration	NOUN
fbem-3454	8	5	of	of	ADP
fbem-3454	8	6	high	high	ADJ
fbem-3454	8	7	-	-	PUNCT
fbem-3454	8	8	frequency	frequency	NOUN
fbem-3454	8	9	scenarios	scenario	NOUN
fbem-3454	8	10	in	in	ADP
fbem-3454	8	11	daily	daily	ADJ
fbem-3454	8	12	life	life	NOUN
fbem-3454	8	13	,	,	PUNCT
fbem-3454	8	14	financial	financial	ADJ
fbem-3454	8	15	institutions	institution	NOUN
fbem-3454	8	16	have	have	AUX
fbem-3454	8	17	gradually	gradually	ADV
fbem-3454	8	18	transformed	transform	VERB
fbem-3454	8	19	traditional	traditional	ADJ
fbem-3454	8	20	industries	industry	NOUN
fbem-3454	8	21	into	into	ADP
fbem-3454	8	22	industries	industry	NOUN
fbem-3454	8	23	associated	associate	VERB
fbem-3454	8	24	with	with	ADP
fbem-3454	8	25	the	the	DET
fbem-3454	8	26	internet	internet	NOUN
fbem-3454	8	27	.	.	PUNCT
fbem-3454	9	1	iimedia	iimedia	PROPN
fbem-3454	9	2	research	research	PROPN
fbem-3454	9	3	.	.	PUNCT
fbem-3454	10	1	according	accord	VERB
fbem-3454	10	2	to	to	ADP
fbem-3454	10	3	iimedia	iimedia	PROPN
fbem-3454	10	4	research	research	NOUN
fbem-3454	10	5	,	,	PUNCT
fbem-3454	10	6	the	the	DET
fbem-3454	10	7	size	size	NOUN
fbem-3454	10	8	of	of	ADP
fbem-3454	10	9	china	china	PROPN
fbem-3454	10	10	's	's	PART
fbem-3454	10	11	internet	internet	NOUN
fbem-3454	10	12	wealth	wealth	NOUN
fbem-3454	10	13	management	management	NOUN
fbem-3454	10	14	users	user	NOUN
fbem-3454	10	15	has	have	AUX
fbem-3454	10	16	been	be	AUX
fbem-3454	10	17	expanding	expand	VERB
fbem-3454	10	18	year	year	NOUN
fbem-3454	10	19	by	by	ADP
fbem-3454	10	20	year	year	NOUN
fbem-3454	10	21	and	and	CCONJ
fbem-3454	10	22	has	have	AUX
fbem-3454	10	23	now	now	ADV
fbem-3454	10	24	exceeded	exceed	VERB
fbem-3454	10	25	600	600	NUM
fbem-3454	10	26	million	million	NUM
fbem-3454	10	27	people	people	NOUN
fbem-3454	10	28	,	,	PUNCT
fbem-3454	10	29	reaching	reach	VERB
fbem-3454	10	30	630	630	NUM
fbem-3454	10	31	million	million	NUM
fbem-3454	10	32	in	in	ADP
fbem-3454	10	33	2021	2021	NUM
fbem-3454	10	34	.	.	PUNCT
fbem-3454	11	1	scenariobased	scenariobase	VERB
fbem-3454	11	2	finance	finance	NOUN
fbem-3454	11	3	integrates	integrate	VERB
fbem-3454	11	4	financial	financial	ADJ
fbem-3454	11	5	services	service	NOUN
fbem-3454	11	6	into	into	ADP
fbem-3454	11	7	the	the	DET
fbem-3454	11	8	daily	daily	ADJ
fbem-3454	11	9	lives	life	NOUN
fbem-3454	11	10	of	of	ADP
fbem-3454	11	11	bank	bank	NOUN
fbem-3454	11	12	customers	customer	NOUN
fbem-3454	11	13	,	,	PUNCT
fbem-3454	11	14	spreading	spread	VERB
fbem-3454	11	15	them	they	PRON
fbem-3454	11	16	to	to	ADP
fbem-3454	11	17	the	the	DET
fbem-3454	11	18	majority	majority	NOUN
fbem-3454	11	19	of	of	ADP
fbem-3454	11	20	consumers	consumer	NOUN
fbem-3454	11	21	in	in	ADP
fbem-3454	11	22	a	a	DET
fbem-3454	11	23	fast	fast	ADJ
fbem-3454	11	24	,	,	PUNCT
fbem-3454	11	25	convenient	convenient	ADJ
fbem-3454	11	26	and	and	CCONJ
fbem-3454	11	27	popular	popular	ADJ
fbem-3454	11	28	way	way	NOUN
fbem-3454	11	29	,	,	PUNCT
fbem-3454	11	30	enhancing	enhance	VERB
fbem-3454	11	31	the	the	DET
fbem-3454	11	32	experience	experience	NOUN
fbem-3454	11	33	of	of	ADP
fbem-3454	11	34	financial	financial	ADJ
fbem-3454	11	35	needs	need	NOUN
fbem-3454	11	36	in	in	ADP
fbem-3454	11	37	customers	customer	NOUN
fbem-3454	11	38	'	'	PART
fbem-3454	11	39	financial	financial	ADJ
fbem-3454	11	40	activities	activity	NOUN
fbem-3454	11	41	.	.	PUNCT
fbem-3454	12	1	scenario	scenario	NOUN
fbem-3454	12	2	-	-	PUNCT
fbem-3454	12	3	based	base	VERB
fbem-3454	12	4	finance	finance	NOUN
fbem-3454	12	5	makes	make	VERB
fbem-3454	12	6	banking	banking	NOUN
fbem-3454	12	7	services	service	NOUN
fbem-3454	12	8	more	more	ADV
fbem-3454	12	9	advanced	advanced	ADJ
fbem-3454	12	10	and	and	CCONJ
fbem-3454	12	11	closer	close	ADJ
fbem-3454	12	12	to	to	ADP
fbem-3454	12	13	everyday	everyday	ADJ
fbem-3454	12	14	life	life	NOUN
fbem-3454	12	15	,	,	PUNCT
fbem-3454	12	16	making	make	VERB
fbem-3454	12	17	finance	finance	NOUN
fbem-3454	12	18	more	more	ADV
fbem-3454	12	19	approachable	approachable	ADJ
fbem-3454	12	20	and	and	CCONJ
fbem-3454	12	21	close	close	ADJ
fbem-3454	12	22	to	to	ADP
fbem-3454	12	23	the	the	DET
fbem-3454	12	24	people	people	NOUN
fbem-3454	12	25	.	.	PUNCT
fbem-3454	13	1	the	the	DET
fbem-3454	13	2	banking	banking	NOUN
fbem-3454	13	3	industry	industry	NOUN
fbem-3454	13	4	currently	currently	ADV
fbem-3454	13	5	emphasizes	emphasize	VERB
fbem-3454	13	6	internet	internet	NOUN
fbem-3454	13	7	+	+	CCONJ
fbem-3454	13	8	traditional	traditional	ADJ
fbem-3454	13	9	industry	industry	NOUN
fbem-3454	13	10	+	+	CCONJ
fbem-3454	13	11	finance	finance	NOUN
fbem-3454	13	12	,	,	PUNCT
fbem-3454	13	13	highlighting	highlight	VERB
fbem-3454	13	14	scenario	scenario	NOUN
fbem-3454	13	15	-	-	PUNCT
fbem-3454	13	16	based	base	VERB
fbem-3454	13	17	financial	financial	ADJ
fbem-3454	13	18	services	service	NOUN
fbem-3454	13	19	.	.	PUNCT
fbem-3454	14	1	those	those	DET
fbem-3454	14	2	seemingly	seemingly	ADV
fbem-3454	14	3	single	single	ADJ
fbem-3454	14	4	-	-	PUNCT
fbem-3454	14	5	user	user	NOUN
fbem-3454	14	6	demand	demand	NOUN
fbem-3454	14	7	scenarios	scenario	NOUN
fbem-3454	14	8	usually	usually	ADV
fbem-3454	14	9	require	require	VERB
fbem-3454	14	10	cross	cross	ADJ
fbem-3454	14	11	-	-	ADJ
fbem-3454	14	12	border	border	ADJ
fbem-3454	14	13	integration	integration	NOUN
fbem-3454	14	14	of	of	ADP
fbem-3454	14	15	multiple	multiple	ADJ
fbem-3454	14	16	industries	industry	NOUN
fbem-3454	14	17	,	,	PUNCT
fbem-3454	14	18	which	which	PRON
fbem-3454	14	19	is	be	AUX
fbem-3454	14	20	the	the	DET
fbem-3454	14	21	most	most	ADV
fbem-3454	14	22	important	important	ADJ
fbem-3454	14	23	aspect	aspect	NOUN
fbem-3454	14	24	of	of	ADP
fbem-3454	14	25	the	the	DET
fbem-3454	14	26	scenario	scenario	NOUN
fbem-3454	14	27	synthesis	synthesis	NOUN
fbem-3454	14	28	needs	need	VERB
fbem-3454	14	29	that	that	PRON
fbem-3454	14	30	finance	finance	NOUN
fbem-3454	14	31	seeks	seek	VERB
fbem-3454	14	32	to	to	PART
fbem-3454	14	33	achieve	achieve	VERB
fbem-3454	14	34	,	,	PUNCT
fbem-3454	14	35	so	so	SCONJ
fbem-3454	14	36	scenario	scenario	NOUN
fbem-3454	14	37	-	-	PUNCT
fbem-3454	14	38	based	base	VERB
fbem-3454	14	39	finance	finance	NOUN
fbem-3454	14	40	is	be	AUX
fbem-3454	14	41	born	bear	VERB
fbem-3454	14	42	.	.	PUNCT
fbem-3454	15	1	2	2	X
fbem-3454	15	2	.	.	X
fbem-3454	15	3	scenario	scenario	NOUN
fbem-3454	15	4	-	-	PUNCT
fbem-3454	15	5	based	base	VERB
fbem-3454	15	6	finance	finance	NOUN
fbem-3454	15	7	and	and	CCONJ
fbem-3454	15	8	internet	internet	NOUN
fbem-3454	15	9	wealth	wealth	NOUN
fbem-3454	15	10	management	management	NOUN
fbem-3454	15	11	the	the	DET
fbem-3454	15	12	so	so	ADV
fbem-3454	15	13	-	-	PUNCT
fbem-3454	15	14	called	call	VERB
fbem-3454	15	15	scenario	scenario	NOUN
fbem-3454	15	16	-	-	PUNCT
fbem-3454	15	17	based	base	VERB
fbem-3454	15	18	finance	finance	NOUN
fbem-3454	15	19	refers	refer	VERB
fbem-3454	15	20	to	to	ADP
fbem-3454	15	21	a	a	DET
fbem-3454	15	22	business	business	NOUN
fbem-3454	15	23	model	model	NOUN
fbem-3454	15	24	in	in	ADP
fbem-3454	15	25	which	which	PRON
fbem-3454	15	26	financial	financial	ADJ
fbem-3454	15	27	institutions	institution	NOUN
fbem-3454	15	28	transform	transform	VERB
fbem-3454	15	29	complex	complex	ADJ
fbem-3454	15	30	business	business	NOUN
fbem-3454	15	31	processes	process	NOUN
fbem-3454	15	32	and	and	CCONJ
fbem-3454	15	33	financial	financial	ADJ
fbem-3454	15	34	products	product	NOUN
fbem-3454	15	35	with	with	ADP
fbem-3454	15	36	the	the	DET
fbem-3454	15	37	help	help	NOUN
fbem-3454	15	38	of	of	ADP
fbem-3454	15	39	internet	internet	NOUN
fbem-3454	15	40	technology	technology	NOUN
fbem-3454	15	41	,	,	PUNCT
fbem-3454	15	42	allowing	allow	VERB
fbem-3454	15	43	financial	financial	ADJ
fbem-3454	15	44	needs	need	NOUN
fbem-3454	15	45	to	to	PART
fbem-3454	15	46	be	be	AUX
fbem-3454	15	47	integrated	integrate	VERB
fbem-3454	15	48	with	with	ADP
fbem-3454	15	49	various	various	ADJ
fbem-3454	15	50	scenarios	scenario	NOUN
fbem-3454	15	51	[	[	X
fbem-3454	15	52	1	1	NUM
fbem-3454	15	53	]	]	PUNCT
fbem-3454	15	54	.	.	PUNCT
fbem-3454	16	1	scenario	scenario	NOUN
fbem-3454	16	2	-	-	PUNCT
fbem-3454	16	3	based	base	VERB
fbem-3454	16	4	finance	finance	NOUN
fbem-3454	16	5	realizes	realize	VERB
fbem-3454	16	6	the	the	DET
fbem-3454	16	7	scenario	scenario	NOUN
fbem-3454	16	8	-	-	PUNCT
fbem-3454	16	9	based	base	VERB
fbem-3454	16	10	and	and	CCONJ
fbem-3454	16	11	dynamic	dynamic	ADJ
fbem-3454	16	12	financial	financial	ADJ
fbem-3454	16	13	information	information	NOUN
fbem-3454	16	14	flow	flow	NOUN
fbem-3454	16	15	,	,	PUNCT
fbem-3454	16	16	allowing	allow	VERB
fbem-3454	16	17	the	the	DET
fbem-3454	16	18	originally	originally	ADV
fbem-3454	16	19	cold	cold	ADJ
fbem-3454	16	20	financial	financial	ADJ
fbem-3454	16	21	products	product	NOUN
fbem-3454	16	22	to	to	PART
fbem-3454	16	23	be	be	AUX
fbem-3454	16	24	warmly	warmly	ADV
fbem-3454	16	25	integrated	integrate	VERB
fbem-3454	16	26	into	into	ADP
fbem-3454	16	27	consumers	consumer	NOUN
fbem-3454	16	28	'	'	PART
fbem-3454	16	29	daily	daily	ADJ
fbem-3454	16	30	life	life	NOUN
fbem-3454	16	31	and	and	CCONJ
fbem-3454	16	32	production	production	NOUN
fbem-3454	16	33	&	&	CCONJ
fbem-3454	16	34	business	business	NOUN
fbem-3454	16	35	activities	activity	NOUN
fbem-3454	16	36	.	.	PUNCT
fbem-3454	17	1	the	the	DET
fbem-3454	17	2	objective	objective	NOUN
fbem-3454	17	3	of	of	ADP
fbem-3454	17	4	the	the	DET
fbem-3454	17	5	scenario	scenario	NOUN
fbem-3454	17	6	financial	financial	ADJ
fbem-3454	17	7	planning	planning	NOUN
fbem-3454	17	8	is	be	AUX
fbem-3454	17	9	to	to	PART
fbem-3454	17	10	rationalize	rationalize	VERB
fbem-3454	17	11	the	the	DET
fbem-3454	17	12	financial	financial	ADJ
fbem-3454	17	13	resources	resource	NOUN
fbem-3454	17	14	of	of	ADP
fbem-3454	17	15	financial	financial	ADJ
fbem-3454	17	16	institutions	institution	NOUN
fbem-3454	17	17	,	,	PUNCT
fbem-3454	17	18	allocate	allocate	VERB
fbem-3454	17	19	the	the	DET
fbem-3454	17	20	corresponding	corresponding	ADJ
fbem-3454	17	21	type	type	NOUN
fbem-3454	17	22	and	and	CCONJ
fbem-3454	17	23	amount	amount	NOUN
fbem-3454	17	24	of	of	ADP
fbem-3454	17	25	resources	resource	NOUN
fbem-3454	17	26	to	to	ADP
fbem-3454	17	27	each	each	DET
fbem-3454	17	28	demand	demand	NOUN
fbem-3454	17	29	,	,	PUNCT
fbem-3454	17	30	so	so	SCONJ
fbem-3454	17	31	that	that	SCONJ
fbem-3454	17	32	the	the	DET
fbem-3454	17	33	supply	supply	NOUN
fbem-3454	17	34	rate	rate	NOUN
fbem-3454	17	35	of	of	ADP
fbem-3454	17	36	resources	resource	NOUN
fbem-3454	17	37	can	can	AUX
fbem-3454	17	38	be	be	AUX
fbem-3454	17	39	maximized	maximize	VERB
fbem-3454	17	40	or	or	CCONJ
fbem-3454	17	41	the	the	DET
fbem-3454	17	42	rationality	rationality	NOUN
fbem-3454	17	43	of	of	ADP
fbem-3454	17	44	resource	resource	NOUN
fbem-3454	17	45	allocation	allocation	NOUN
fbem-3454	17	46	can	can	AUX
fbem-3454	17	47	be	be	AUX
fbem-3454	17	48	maximized	maximize	VERB
fbem-3454	17	49	.	.	PUNCT
fbem-3454	18	1	in	in	ADP
fbem-3454	18	2	today	today	NOUN
fbem-3454	18	3	's	's	PART
fbem-3454	18	4	rapidly	rapidly	ADV
fbem-3454	18	5	developing	develop	VERB
fbem-3454	18	6	internet	internet	NOUN
fbem-3454	18	7	finance	finance	NOUN
fbem-3454	18	8	industry	industry	NOUN
fbem-3454	18	9	,	,	PUNCT
fbem-3454	18	10	customer	customer	NOUN
fbem-3454	18	11	demand	demand	NOUN
fbem-3454	18	12	and	and	CCONJ
fbem-3454	18	13	market	market	NOUN
fbem-3454	18	14	environment	environment	NOUN
fbem-3454	18	15	are	be	AUX
fbem-3454	18	16	changing	change	VERB
fbem-3454	18	17	rapidly	rapidly	ADV
fbem-3454	18	18	.	.	PUNCT
fbem-3454	19	1	financial	financial	ADJ
fbem-3454	19	2	institutions	institution	NOUN
fbem-3454	19	3	need	need	VERB
fbem-3454	19	4	to	to	PART
fbem-3454	19	5	rely	rely	VERB
fbem-3454	19	6	on	on	ADP
fbem-3454	19	7	their	their	PRON
fbem-3454	19	8	advanced	advanced	ADJ
fbem-3454	19	9	demand	demand	NOUN
fbem-3454	19	10	research	research	NOUN
fbem-3454	19	11	,	,	PUNCT
fbem-3454	19	12	product	product	NOUN
fbem-3454	19	13	development	development	NOUN
fbem-3454	19	14	and	and	CCONJ
fbem-3454	19	15	technological	technological	ADJ
fbem-3454	19	16	innovation	innovation	NOUN
fbem-3454	19	17	capabilities	capability	NOUN
fbem-3454	19	18	to	to	PART
fbem-3454	19	19	quickly	quickly	ADV
fbem-3454	19	20	update	update	VERB
fbem-3454	19	21	scenarios	scenario	NOUN
fbem-3454	19	22	in	in	ADP
fbem-3454	19	23	the	the	DET
fbem-3454	19	24	form	form	NOUN
fbem-3454	19	25	of	of	ADP
fbem-3454	19	26	project	project	NOUN
fbem-3454	19	27	-	-	PUNCT
fbem-3454	19	28	based	base	VERB
fbem-3454	19	29	systems	system	NOUN
fbem-3454	19	30	in	in	ADP
fbem-3454	19	31	order	order	NOUN
fbem-3454	19	32	to	to	PART
fbem-3454	19	33	maximize	maximize	VERB
fbem-3454	19	34	customer	customer	NOUN
fbem-3454	19	35	satisfaction	satisfaction	NOUN
fbem-3454	19	36	.	.	PUNCT
fbem-3454	20	1	the	the	DET
fbem-3454	20	2	internet	internet	NOUN
fbem-3454	20	3	wealth	wealth	NOUN
fbem-3454	20	4	management	management	NOUN
fbem-3454	20	5	model	model	NOUN
fbem-3454	20	6	is	be	AUX
fbem-3454	20	7	a	a	DET
fbem-3454	20	8	transaction	transaction	NOUN
fbem-3454	20	9	model	model	NOUN
fbem-3454	20	10	that	that	SCONJ
fbem-3454	20	11	consumers	consumer	NOUN
fbem-3454	20	12	are	be	AUX
fbem-3454	20	13	more	more	ADJ
fbem-3454	20	14	than	than	ADP
fbem-3454	20	15	happy	happy	ADJ
fbem-3454	20	16	to	to	PART
fbem-3454	20	17	use	use	VERB
fbem-3454	20	18	,	,	PUNCT
fbem-3454	20	19	relying	rely	VERB
fbem-3454	20	20	on	on	ADP
fbem-3454	20	21	the	the	DET
fbem-3454	20	22	internet	internet	NOUN
fbem-3454	20	23	platform	platform	NOUN
fbem-3454	20	24	to	to	PART
fbem-3454	20	25	cut	cut	VERB
fbem-3454	20	26	into	into	ADP
fbem-3454	20	27	the	the	DET
fbem-3454	20	28	financial	financial	ADJ
fbem-3454	20	29	scenario	scenario	NOUN
fbem-3454	20	30	and	and	CCONJ
fbem-3454	20	31	realize	realize	VERB
fbem-3454	20	32	business	business	NOUN
fbem-3454	20	33	transactions	transaction	NOUN
fbem-3454	20	34	such	such	ADJ
fbem-3454	20	35	as	as	ADP
fbem-3454	20	36	online	online	ADJ
fbem-3454	20	37	lending	lending	NOUN
fbem-3454	20	38	,	,	PUNCT
fbem-3454	20	39	crowdfunding	crowdfunding	NOUN
fbem-3454	20	40	and	and	CCONJ
fbem-3454	20	41	online	online	ADJ
fbem-3454	20	42	payment	payment	NOUN
fbem-3454	20	43	.	.	PUNCT
fbem-3454	21	1	in	in	ADP
fbem-3454	21	2	addition	addition	NOUN
fbem-3454	21	3	,	,	PUNCT
fbem-3454	21	4	scenariobased	scenariobased	ADJ
fbem-3454	21	5	finance	finance	NOUN
fbem-3454	21	6	also	also	ADV
fbem-3454	21	7	meets	meet	VERB
fbem-3454	21	8	users	user	NOUN
fbem-3454	21	9	'	'	PART
fbem-3454	21	10	transaction	transaction	NOUN
fbem-3454	21	11	needs	need	VERB
fbem-3454	21	12	for	for	ADP
fbem-3454	21	13	products	product	NOUN
fbem-3454	21	14	such	such	ADJ
fbem-3454	21	15	as	as	ADP
fbem-3454	21	16	internet	internet	NOUN
fbem-3454	21	17	funds	fund	NOUN
fbem-3454	21	18	and	and	CCONJ
fbem-3454	21	19	internet	internet	NOUN
fbem-3454	21	20	insurance	insurance	NOUN
fbem-3454	21	21	.	.	PUNCT
fbem-3454	22	1	3	3	X
fbem-3454	22	2	.	.	X
fbem-3454	22	3	analysis	analysis	NOUN
fbem-3454	22	4	of	of	ADP
fbem-3454	22	5	the	the	DET
fbem-3454	22	6	characteristics	characteristic	NOUN
fbem-3454	22	7	of	of	ADP
fbem-3454	22	8	scenario	scenario	NOUN
fbem-3454	22	9	-	-	PUNCT
fbem-3454	22	10	based	base	VERB
fbem-3454	22	11	finance	finance	NOUN
fbem-3454	22	12	3.1	3.1	NUM
fbem-3454	22	13	.	.	PUNCT
fbem-3454	23	1	virtualisation	virtualisation	NOUN
fbem-3454	23	2	of	of	ADP
fbem-3454	23	3	business	business	NOUN
fbem-3454	23	4	services	service	NOUN
fbem-3454	23	5	with	with	ADP
fbem-3454	23	6	the	the	DET
fbem-3454	23	7	rapid	rapid	ADJ
fbem-3454	23	8	development	development	NOUN
fbem-3454	23	9	of	of	ADP
fbem-3454	23	10	the	the	DET
fbem-3454	23	11	internet	internet	NOUN
fbem-3454	23	12	,	,	PUNCT
fbem-3454	23	13	scenario	scenario	NOUN
fbem-3454	23	14	services	service	NOUN
fbem-3454	23	15	are	be	AUX
fbem-3454	23	16	expanding	expand	VERB
fbem-3454	23	17	with	with	ADP
fbem-3454	23	18	the	the	DET
fbem-3454	23	19	help	help	NOUN
fbem-3454	23	20	of	of	ADP
fbem-3454	23	21	the	the	DET
fbem-3454	23	22	internet	internet	NOUN
fbem-3454	23	23	.	.	PUNCT
fbem-3454	24	1	products	product	NOUN
fbem-3454	24	2	embedded	embed	VERB
fbem-3454	24	3	with	with	ADP
fbem-3454	24	4	the	the	DET
fbem-3454	24	5	spirit	spirit	NOUN
fbem-3454	24	6	of	of	ADP
fbem-3454	24	7	the	the	DET
fbem-3454	24	8	internet	internet	NOUN
fbem-3454	24	9	are	be	AUX
fbem-3454	24	10	rapidly	rapidly	ADV
fbem-3454	24	11	being	be	AUX
fbem-3454	24	12	integrated	integrate	VERB
fbem-3454	24	13	into	into	ADP
fbem-3454	24	14	the	the	DET
fbem-3454	24	15	daily	daily	ADJ
fbem-3454	24	16	lives	life	NOUN
fbem-3454	24	17	of	of	ADP
fbem-3454	24	18	all	all	PRON
fbem-3454	24	19	of	of	ADP
fbem-3454	24	20	us	we	PRON
fbem-3454	24	21	.	.	PUNCT
fbem-3454	25	1	the	the	DET
fbem-3454	25	2	core	core	NOUN
fbem-3454	25	3	factor	factor	NOUN
fbem-3454	25	4	leading	lead	VERB
fbem-3454	25	5	to	to	ADP
fbem-3454	25	6	the	the	DET
fbem-3454	25	7	business	business	NOUN
fbem-3454	25	8	development	development	NOUN
fbem-3454	25	9	of	of	ADP
fbem-3454	25	10	financial	financial	ADJ
fbem-3454	25	11	institutions	institution	NOUN
fbem-3454	25	12	is	be	AUX
fbem-3454	25	13	no	no	ADV
fbem-3454	25	14	longer	long	ADV
fbem-3454	25	15	the	the	DET
fbem-3454	25	16	product	product	NOUN
fbem-3454	25	17	,	,	PUNCT
fbem-3454	25	18	but	but	CCONJ
fbem-3454	25	19	the	the	DET
fbem-3454	25	20	scenario	scenario	NOUN
fbem-3454	25	21	.	.	PUNCT
fbem-3454	26	1	financial	financial	ADJ
fbem-3454	26	2	products	product	NOUN
fbem-3454	26	3	that	that	PRON
fbem-3454	26	4	have	have	AUX
fbem-3454	26	5	lost	lose	VERB
fbem-3454	26	6	their	their	PRON
fbem-3454	26	7	specific	specific	ADJ
fbem-3454	26	8	scenarios	scenario	NOUN
fbem-3454	26	9	have	have	AUX
fbem-3454	26	10	gradually	gradually	ADV
fbem-3454	26	11	lost	lose	VERB
fbem-3454	26	12	their	their	PRON
fbem-3454	26	13	competitiveness	competitiveness	NOUN
fbem-3454	26	14	in	in	ADP
fbem-3454	26	15	the	the	DET
fbem-3454	26	16	market	market	NOUN
fbem-3454	26	17	.	.	PUNCT
fbem-3454	27	1	what	what	PRON
fbem-3454	27	2	financial	financial	ADJ
fbem-3454	27	3	consumers	consumer	NOUN
fbem-3454	27	4	want	want	VERB
fbem-3454	27	5	is	be	AUX
fbem-3454	27	6	no	no	ADV
fbem-3454	27	7	longer	long	ADV
fbem-3454	27	8	a	a	DET
fbem-3454	27	9	standardized	standardized	ADJ
fbem-3454	27	10	product	product	NOUN
fbem-3454	27	11	,	,	PUNCT
fbem-3454	27	12	but	but	CCONJ
fbem-3454	27	13	a	a	DET
fbem-3454	27	14	special	special	ADJ
fbem-3454	27	15	commodity	commodity	NOUN
fbem-3454	27	16	integrated	integrate	VERB
fbem-3454	27	17	into	into	ADP
fbem-3454	27	18	a	a	DET
fbem-3454	27	19	specific	specific	ADJ
fbem-3454	27	20	scenario	scenario	NOUN
fbem-3454	27	21	.	.	PUNCT
fbem-3454	28	1	because	because	SCONJ
fbem-3454	28	2	of	of	ADP
fbem-3454	28	3	this	this	PRON
fbem-3454	28	4	,	,	PUNCT
fbem-3454	28	5	contemporary	contemporary	ADJ
fbem-3454	28	6	financial	financial	ADJ
fbem-3454	28	7	companies	company	NOUN
fbem-3454	28	8	need	need	VERB
fbem-3454	28	9	to	to	PART
fbem-3454	28	10	embed	embed	VERB
fbem-3454	28	11	the	the	DET
fbem-3454	28	12	spirit	spirit	NOUN
fbem-3454	28	13	of	of	ADP
fbem-3454	28	14	the	the	DET
fbem-3454	28	15	internet	internet	NOUN
fbem-3454	28	16	and	and	CCONJ
fbem-3454	28	17	take	take	VERB
fbem-3454	28	18	the	the	DET
fbem-3454	28	19	customized	customize	VERB
fbem-3454	28	20	needs	need	NOUN
fbem-3454	28	21	of	of	ADP
fbem-3454	28	22	customers	customer	NOUN
fbem-3454	28	23	as	as	ADP
fbem-3454	28	24	the	the	DET
fbem-3454	28	25	starting	starting	NOUN
fbem-3454	28	26	point	point	NOUN
fbem-3454	28	27	if	if	SCONJ
fbem-3454	28	28	they	they	PRON
fbem-3454	28	29	want	want	VERB
fbem-3454	28	30	to	to	PART
fbem-3454	28	31	gain	gain	VERB
fbem-3454	28	32	a	a	DET
fbem-3454	28	33	better	well	ADJ
fbem-3454	28	34	space	space	NOUN
fbem-3454	28	35	for	for	ADP
fbem-3454	28	36	development	development	NOUN
fbem-3454	28	37	.	.	PUNCT
fbem-3454	29	1	3.2	3.2	NUM
fbem-3454	29	2	.	.	PUNCT
fbem-3454	29	3	increased	increase	VERB
fbem-3454	29	4	range	range	NOUN
fbem-3454	29	5	of	of	ADP
fbem-3454	29	6	target	target	NOUN
fbem-3454	29	7	customers	customer	NOUN
fbem-3454	29	8	facing	face	VERB
fbem-3454	29	9	the	the	DET
fbem-3454	29	10	rapid	rapid	ADJ
fbem-3454	29	11	spread	spread	NOUN
fbem-3454	29	12	of	of	ADP
fbem-3454	29	13	the	the	DET
fbem-3454	29	14	internet	internet	NOUN
fbem-3454	29	15	,	,	PUNCT
fbem-3454	29	16	the	the	DET
fbem-3454	29	17	widespread	widespread	ADJ
fbem-3454	29	18	use	use	NOUN
fbem-3454	29	19	of	of	ADP
fbem-3454	29	20	mobile	mobile	ADJ
fbem-3454	29	21	terminals	terminal	NOUN
fbem-3454	29	22	,	,	PUNCT
fbem-3454	29	23	and	and	CCONJ
fbem-3454	29	24	the	the	DET
fbem-3454	29	25	gradual	gradual	ADJ
fbem-3454	29	26	increase	increase	NOUN
fbem-3454	29	27	in	in	ADP
fbem-3454	29	28	financial	financial	ADJ
fbem-3454	29	29	consumers	consumer	NOUN
fbem-3454	29	30	'	'	PART
fbem-3454	29	31	sense	sense	NOUN
fbem-3454	29	32	of	of	ADP
fbem-3454	29	33	self	self	NOUN
fbem-3454	29	34	-	-	PUNCT
fbem-3454	29	35	identity	identity	NOUN
fbem-3454	29	36	,	,	PUNCT
fbem-3454	29	37	the	the	DET
fbem-3454	29	38	financial	financial	ADJ
fbem-3454	29	39	services	service	NOUN
fbem-3454	29	40	carried	carry	VERB
fbem-3454	29	41	out	out	ADP
fbem-3454	29	42	by	by	ADP
fbem-3454	29	43	financial	financial	ADJ
fbem-3454	29	44	institutions	institution	NOUN
fbem-3454	29	45	in	in	ADP
fbem-3454	29	46	the	the	DET
fbem-3454	29	47	past	past	NOUN
fbem-3454	29	48	relying	rely	VERB
fbem-3454	29	49	on	on	ADP
fbem-3454	29	50	their	their	PRON
fbem-3454	29	51	branches	branch	NOUN
fbem-3454	29	52	can	can	AUX
fbem-3454	29	53	hardly	hardly	ADV
fbem-3454	29	54	meet	meet	VERB
fbem-3454	29	55	the	the	DET
fbem-3454	29	56	increasingly	increasingly	ADV
fbem-3454	29	57	diversified	diversify	VERB
fbem-3454	29	58	needs	need	NOUN
fbem-3454	29	59	of	of	ADP
fbem-3454	29	60	consumers	consumer	NOUN
fbem-3454	29	61	,	,	PUNCT
fbem-3454	29	62	and	and	CCONJ
fbem-3454	29	63	the	the	DET
fbem-3454	29	64	financial	financial	ADJ
fbem-3454	29	65	services	service	NOUN
fbem-3454	29	66	model	model	NOUN
fbem-3454	29	67	that	that	PRON
fbem-3454	29	68	does	do	AUX
fbem-3454	29	69	not	not	PART
fbem-3454	29	70	focus	focus	VERB
fbem-3454	29	71	on	on	ADP
fbem-3454	29	72	consumers	consumer	NOUN
fbem-3454	29	73	is	be	AUX
fbem-3454	29	74	also	also	ADV
fbem-3454	29	75	rejected	reject	VERB
fbem-3454	29	76	by	by	ADP
fbem-3454	29	77	self	self	NOUN
fbem-3454	29	78	-	-	PUNCT
fbem-3454	29	79	awakened	awaken	VERB
fbem-3454	29	80	166	166	NUM
fbem-3454	29	81	consumers	consumer	NOUN
fbem-3454	29	82	.	.	PUNCT
fbem-3454	30	1	scenario	scenario	NOUN
fbem-3454	30	2	-	-	PUNCT
fbem-3454	30	3	based	base	VERB
fbem-3454	30	4	finance	finance	NOUN
fbem-3454	30	5	should	should	AUX
fbem-3454	30	6	not	not	PART
fbem-3454	30	7	only	only	ADV
fbem-3454	30	8	focus	focus	VERB
fbem-3454	30	9	on	on	ADP
fbem-3454	30	10	a	a	DET
fbem-3454	30	11	small	small	ADJ
fbem-3454	30	12	number	number	NOUN
fbem-3454	30	13	of	of	ADP
fbem-3454	30	14	high	high	ADJ
fbem-3454	30	15	-	-	PUNCT
fbem-3454	30	16	end	end	NOUN
fbem-3454	30	17	people	people	NOUN
fbem-3454	30	18	,	,	PUNCT
fbem-3454	30	19	but	but	CCONJ
fbem-3454	30	20	also	also	ADV
fbem-3454	30	21	position	position	VERB
fbem-3454	30	22	the	the	DET
fbem-3454	30	23	core	core	NOUN
fbem-3454	30	24	of	of	ADP
fbem-3454	30	25	financial	financial	ADJ
fbem-3454	30	26	services	service	NOUN
fbem-3454	30	27	directly	directly	ADV
fbem-3454	30	28	to	to	ADP
fbem-3454	30	29	the	the	DET
fbem-3454	30	30	needs	need	NOUN
fbem-3454	30	31	of	of	ADP
fbem-3454	30	32	each	each	DET
fbem-3454	30	33	consumer	consumer	NOUN
fbem-3454	30	34	through	through	ADP
fbem-3454	30	35	the	the	DET
fbem-3454	30	36	scenario	scenario	NOUN
fbem-3454	30	37	-	-	PUNCT
fbem-3454	30	38	based	base	VERB
fbem-3454	30	39	financial	financial	ADJ
fbem-3454	30	40	services	service	NOUN
fbem-3454	30	41	system	system	NOUN
fbem-3454	30	42	,	,	PUNCT
fbem-3454	30	43	and	and	CCONJ
fbem-3454	30	44	enable	enable	VERB
fbem-3454	30	45	each	each	DET
fbem-3454	30	46	financial	financial	ADJ
fbem-3454	30	47	consumer	consumer	NOUN
fbem-3454	30	48	to	to	PART
fbem-3454	30	49	get	get	VERB
fbem-3454	30	50	self	self	NOUN
fbem-3454	30	51	-	-	PUNCT
fbem-3454	30	52	centred	centre	VERB
fbem-3454	30	53	consumer	consumer	NOUN
fbem-3454	30	54	satisfaction	satisfaction	NOUN
fbem-3454	30	55	through	through	ADP
fbem-3454	30	56	scenario	scenario	NOUN
fbem-3454	30	57	-	-	PUNCT
fbem-3454	30	58	based	base	VERB
fbem-3454	30	59	services	service	NOUN
fbem-3454	30	60	.	.	PUNCT
fbem-3454	31	1	3.3	3.3	NUM
fbem-3454	31	2	.	.	PUNCT
fbem-3454	32	1	homogenization	homogenization	NOUN
fbem-3454	32	2	of	of	ADP
fbem-3454	32	3	product	product	NOUN
fbem-3454	32	4	design	design	NOUN
fbem-3454	32	5	in	in	ADP
fbem-3454	32	6	terms	term	NOUN
fbem-3454	32	7	of	of	ADP
fbem-3454	32	8	product	product	NOUN
fbem-3454	32	9	design	design	NOUN
fbem-3454	32	10	,	,	PUNCT
fbem-3454	32	11	in	in	ADP
fbem-3454	32	12	the	the	DET
fbem-3454	32	13	past	past	NOUN
fbem-3454	32	14	,	,	PUNCT
fbem-3454	32	15	financial	financial	ADJ
fbem-3454	32	16	products	product	NOUN
fbem-3454	32	17	were	be	AUX
fbem-3454	32	18	often	often	ADV
fbem-3454	32	19	designed	design	VERB
fbem-3454	32	20	with	with	ADP
fbem-3454	32	21	the	the	DET
fbem-3454	32	22	product	product	NOUN
fbem-3454	32	23	as	as	ADP
fbem-3454	32	24	the	the	DET
fbem-3454	32	25	center	center	NOUN
fbem-3454	32	26	,	,	PUNCT
fbem-3454	32	27	and	and	CCONJ
fbem-3454	32	28	a	a	DET
fbem-3454	32	29	product	product	NOUN
fbem-3454	32	30	value	value	NOUN
fbem-3454	32	31	system	system	NOUN
fbem-3454	32	32	was	be	AUX
fbem-3454	32	33	built	build	VERB
fbem-3454	32	34	up	up	ADP
fbem-3454	32	35	around	around	ADP
fbem-3454	32	36	a	a	DET
fbem-3454	32	37	certain	certain	ADJ
fbem-3454	32	38	product	product	NOUN
fbem-3454	32	39	,	,	PUNCT
fbem-3454	32	40	with	with	ADP
fbem-3454	32	41	product	product	NOUN
fbem-3454	32	42	innovation	innovation	NOUN
fbem-3454	32	43	driving	drive	VERB
fbem-3454	32	44	business	business	NOUN
fbem-3454	32	45	development	development	NOUN
fbem-3454	32	46	.	.	PUNCT
fbem-3454	33	1	however	however	ADV
fbem-3454	33	2	,	,	PUNCT
fbem-3454	33	3	in	in	ADP
fbem-3454	33	4	the	the	DET
fbem-3454	33	5	era	era	NOUN
fbem-3454	33	6	of	of	ADP
fbem-3454	33	7	scenario	scenario	NOUN
fbem-3454	33	8	-	-	PUNCT
fbem-3454	33	9	based	base	VERB
fbem-3454	33	10	finance	finance	NOUN
fbem-3454	33	11	,	,	PUNCT
fbem-3454	33	12	financial	financial	ADJ
fbem-3454	33	13	products	product	NOUN
fbem-3454	33	14	are	be	AUX
fbem-3454	33	15	closely	closely	ADV
fbem-3454	33	16	linked	link	VERB
fbem-3454	33	17	to	to	ADP
fbem-3454	33	18	the	the	DET
fbem-3454	33	19	corresponding	correspond	VERB
fbem-3454	33	20	application	application	NOUN
fbem-3454	33	21	scenarios	scenario	NOUN
fbem-3454	33	22	,	,	PUNCT
fbem-3454	33	23	and	and	CCONJ
fbem-3454	33	24	products	product	NOUN
fbem-3454	33	25	that	that	PRON
fbem-3454	33	26	are	be	AUX
fbem-3454	33	27	detached	detach	VERB
fbem-3454	33	28	from	from	ADP
fbem-3454	33	29	the	the	DET
fbem-3454	33	30	scenarios	scenario	NOUN
fbem-3454	33	31	will	will	AUX
fbem-3454	33	32	quickly	quickly	ADV
fbem-3454	33	33	lose	lose	VERB
fbem-3454	33	34	their	their	PRON
fbem-3454	33	35	value	value	NOUN
fbem-3454	33	36	.	.	PUNCT
fbem-3454	34	1	therefore	therefore	ADV
fbem-3454	34	2	,	,	PUNCT
fbem-3454	34	3	the	the	DET
fbem-3454	34	4	innovation	innovation	NOUN
fbem-3454	34	5	of	of	ADP
fbem-3454	34	6	financial	financial	ADJ
fbem-3454	34	7	products	product	NOUN
fbem-3454	34	8	should	should	AUX
fbem-3454	34	9	focus	focus	VERB
fbem-3454	34	10	on	on	ADP
fbem-3454	34	11	consumer	consumer	NOUN
fbem-3454	34	12	groups	group	NOUN
fbem-3454	34	13	,	,	PUNCT
fbem-3454	34	14	taking	take	VERB
fbem-3454	34	15	consumers	consumer	NOUN
fbem-3454	34	16	as	as	ADP
fbem-3454	34	17	the	the	DET
fbem-3454	34	18	logical	logical	ADJ
fbem-3454	34	19	starting	starting	NOUN
fbem-3454	34	20	point	point	NOUN
fbem-3454	34	21	,	,	PUNCT
fbem-3454	34	22	emphasizing	emphasize	VERB
fbem-3454	34	23	consumer	consumer	NOUN
fbem-3454	34	24	experience	experience	NOUN
fbem-3454	34	25	with	with	ADP
fbem-3454	34	26	connecting	connect	VERB
fbem-3454	34	27	with	with	ADP
fbem-3454	34	28	each	each	DET
fbem-3454	34	29	other	other	ADJ
fbem-3454	34	30	as	as	ADP
fbem-3454	34	31	the	the	DET
fbem-3454	34	32	key	key	NOUN
fbem-3454	34	33	,	,	PUNCT
fbem-3454	34	34	thus	thus	ADV
fbem-3454	34	35	seeking	seek	VERB
fbem-3454	34	36	the	the	DET
fbem-3454	34	37	most	most	ADV
fbem-3454	34	38	common	common	ADJ
fbem-3454	34	39	characteristics	characteristic	NOUN
fbem-3454	34	40	of	of	ADP
fbem-3454	34	41	a	a	DET
fbem-3454	34	42	highly	highly	ADV
fbem-3454	34	43	similar	similar	ADJ
fbem-3454	34	44	group	group	NOUN
fbem-3454	34	45	.	.	PUNCT
fbem-3454	35	1	in	in	ADP
fbem-3454	35	2	scenario	scenario	NOUN
fbem-3454	35	3	-	-	PUNCT
fbem-3454	35	4	based	base	VERB
fbem-3454	35	5	finance	finance	NOUN
fbem-3454	35	6	,	,	PUNCT
fbem-3454	35	7	financial	financial	ADJ
fbem-3454	35	8	companies	company	NOUN
fbem-3454	35	9	should	should	AUX
fbem-3454	35	10	develop	develop	VERB
fbem-3454	35	11	their	their	PRON
fbem-3454	35	12	approach	approach	NOUN
fbem-3454	35	13	by	by	ADP
fbem-3454	35	14	defining	define	VERB
fbem-3454	35	15	scenarios	scenario	NOUN
fbem-3454	35	16	precisely	precisely	ADV
fbem-3454	35	17	and	and	CCONJ
fbem-3454	35	18	tailoring	tailor	VERB
fbem-3454	35	19	products	product	NOUN
fbem-3454	35	20	specifically	specifically	ADV
fbem-3454	35	21	while	while	SCONJ
fbem-3454	35	22	focusing	focus	VERB
fbem-3454	35	23	on	on	ADP
fbem-3454	35	24	the	the	DET
fbem-3454	35	25	characteristics	characteristic	NOUN
fbem-3454	35	26	of	of	ADP
fbem-3454	35	27	consumer	consumer	NOUN
fbem-3454	35	28	groups	group	NOUN
fbem-3454	35	29	.	.	PUNCT
fbem-3454	36	1	3.4	3.4	NUM
fbem-3454	36	2	.	.	PUNCT
fbem-3454	36	3	mobilization	mobilization	NOUN
fbem-3454	36	4	of	of	ADP
fbem-3454	36	5	transaction	transaction	NOUN
fbem-3454	36	6	medium	medium	NOUN
fbem-3454	36	7	in	in	ADP
fbem-3454	36	8	the	the	DET
fbem-3454	36	9	era	era	NOUN
fbem-3454	36	10	of	of	ADP
fbem-3454	36	11	scenario	scenario	NOUN
fbem-3454	36	12	-	-	PUNCT
fbem-3454	36	13	based	base	VERB
fbem-3454	36	14	finance	finance	NOUN
fbem-3454	36	15	,	,	PUNCT
fbem-3454	36	16	the	the	DET
fbem-3454	36	17	traditional	traditional	ADJ
fbem-3454	36	18	deposit	deposit	NOUN
fbem-3454	36	19	&	&	CCONJ
fbem-3454	36	20	loan	loan	PROPN
fbem-3454	36	21	business	business	NOUN
fbem-3454	36	22	is	be	AUX
fbem-3454	36	23	becoming	become	VERB
fbem-3454	36	24	less	less	ADV
fbem-3454	36	25	and	and	CCONJ
fbem-3454	36	26	less	less	ADJ
fbem-3454	36	27	in	in	ADP
fbem-3454	36	28	contact	contact	NOUN
fbem-3454	36	29	with	with	ADP
fbem-3454	36	30	consumers	consumer	NOUN
fbem-3454	36	31	,	,	PUNCT
fbem-3454	36	32	making	make	VERB
fbem-3454	36	33	it	it	PRON
fbem-3454	36	34	difficult	difficult	ADJ
fbem-3454	36	35	to	to	PART
fbem-3454	36	36	become	become	VERB
fbem-3454	36	37	an	an	DET
fbem-3454	36	38	effective	effective	ADJ
fbem-3454	36	39	carrier	carrier	NOUN
fbem-3454	36	40	and	and	CCONJ
fbem-3454	36	41	support	support	NOUN
fbem-3454	36	42	point	point	NOUN
fbem-3454	36	43	for	for	ADP
fbem-3454	36	44	scenario	scenario	NOUN
fbem-3454	36	45	-	-	PUNCT
fbem-3454	36	46	based	base	VERB
fbem-3454	36	47	finance	finance	NOUN
fbem-3454	36	48	.	.	PUNCT
fbem-3454	37	1	however	however	ADV
fbem-3454	37	2	,	,	PUNCT
fbem-3454	37	3	online	online	ADJ
fbem-3454	37	4	payment	payment	NOUN
fbem-3454	37	5	can	can	AUX
fbem-3454	37	6	act	act	VERB
fbem-3454	37	7	as	as	ADP
fbem-3454	37	8	a	a	DET
fbem-3454	37	9	link	link	NOUN
fbem-3454	37	10	between	between	ADP
fbem-3454	37	11	online	online	ADV
fbem-3454	37	12	and	and	CCONJ
fbem-3454	37	13	offline	offline	ADJ
fbem-3454	37	14	in	in	ADP
fbem-3454	37	15	the	the	DET
fbem-3454	37	16	scenario	scenario	NOUN
fbem-3454	37	17	,	,	PUNCT
fbem-3454	37	18	forming	form	VERB
fbem-3454	37	19	a	a	DET
fbem-3454	37	20	complete	complete	ADJ
fbem-3454	37	21	o2o	o2o	NOUN
fbem-3454	37	22	closed	close	VERB
fbem-3454	37	23	loop	loop	NOUN
fbem-3454	37	24	covering	cover	VERB
fbem-3454	37	25	consumer	consumer	NOUN
fbem-3454	37	26	contacts	contact	NOUN
fbem-3454	37	27	,	,	PUNCT
fbem-3454	37	28	consumer	consumer	NOUN
fbem-3454	37	29	payment	payment	NOUN
fbem-3454	37	30	basis	basis	NOUN
fbem-3454	37	31	and	and	CCONJ
fbem-3454	37	32	consumer	consumer	NOUN
fbem-3454	37	33	payment	payment	NOUN
fbem-3454	37	34	behavior	behavior	NOUN
fbem-3454	37	35	in	in	ADP
fbem-3454	37	36	scenario	scenario	NOUN
fbem-3454	37	37	finance	finance	NOUN
fbem-3454	37	38	,	,	PUNCT
fbem-3454	37	39	locking	lock	VERB
fbem-3454	37	40	consumer	consumer	NOUN
fbem-3454	37	41	user	user	NOUN
fbem-3454	37	42	habits	habit	NOUN
fbem-3454	37	43	with	with	ADP
fbem-3454	37	44	payment	payment	NOUN
fbem-3454	37	45	and	and	CCONJ
fbem-3454	37	46	integrating	integrate	VERB
fbem-3454	37	47	scenario	scenario	NOUN
fbem-3454	37	48	-	-	PUNCT
fbem-3454	37	49	based	base	VERB
fbem-3454	37	50	finance	finance	NOUN
fbem-3454	37	51	into	into	ADP
fbem-3454	37	52	consumer	consumer	NOUN
fbem-3454	37	53	life	life	NOUN
fbem-3454	37	54	.	.	PUNCT
fbem-3454	38	1	4	4	X
fbem-3454	38	2	.	.	X
fbem-3454	38	3	factors	factor	NOUN
fbem-3454	38	4	affecting	affect	VERB
fbem-3454	38	5	the	the	DET
fbem-3454	38	6	scenariobased	scenariobased	ADJ
fbem-3454	38	7	finance	finance	NOUN
fbem-3454	38	8	building	build	VERB
fbem-3454	38	9	4.1	4.1	NUM
fbem-3454	38	10	.	.	PUNCT
fbem-3454	39	1	facilitation	facilitation	NOUN
fbem-3454	39	2	of	of	ADP
fbem-3454	39	3	intervention	intervention	NOUN
fbem-3454	39	4	function	function	VERB
fbem-3454	39	5	one	one	NUM
fbem-3454	39	6	factor	factor	NOUN
fbem-3454	39	7	that	that	PRON
fbem-3454	39	8	influences	influence	VERB
fbem-3454	39	9	internet	internet	NOUN
fbem-3454	39	10	finance	finance	NOUN
fbem-3454	39	11	is	be	AUX
fbem-3454	39	12	the	the	DET
fbem-3454	39	13	convenience	convenience	NOUN
fbem-3454	39	14	of	of	ADP
fbem-3454	39	15	the	the	DET
fbem-3454	39	16	scenario	scenario	NOUN
fbem-3454	39	17	intervention	intervention	NOUN
fbem-3454	39	18	function	function	NOUN
fbem-3454	39	19	.	.	PUNCT
fbem-3454	40	1	traditional	traditional	ADJ
fbem-3454	40	2	internet	internet	NOUN
fbem-3454	40	3	financial	financial	ADJ
fbem-3454	40	4	institutions	institution	NOUN
fbem-3454	40	5	mainly	mainly	ADV
fbem-3454	40	6	focus	focus	VERB
fbem-3454	40	7	on	on	ADP
fbem-3454	40	8	online	online	ADJ
fbem-3454	40	9	and	and	CCONJ
fbem-3454	40	10	software	software	NOUN
fbem-3454	40	11	entry	entry	NOUN
fbem-3454	40	12	,	,	PUNCT
fbem-3454	40	13	with	with	ADP
fbem-3454	40	14	the	the	DET
fbem-3454	40	15	main	main	ADJ
fbem-3454	40	16	objective	objective	NOUN
fbem-3454	40	17	of	of	ADP
fbem-3454	40	18	increasing	increase	VERB
fbem-3454	40	19	the	the	DET
fbem-3454	40	20	number	number	NOUN
fbem-3454	40	21	of	of	ADP
fbem-3454	40	22	customer	customer	NOUN
fbem-3454	40	23	clicks	click	VERB
fbem-3454	40	24	and	and	CCONJ
fbem-3454	40	25	enhancing	enhance	VERB
fbem-3454	40	26	search	search	NOUN
fbem-3454	40	27	exposure	exposure	NOUN
fbem-3454	40	28	,	,	PUNCT
fbem-3454	40	29	and	and	CCONJ
fbem-3454	40	30	adding	add	VERB
fbem-3454	40	31	online	online	ADJ
fbem-3454	40	32	traffic	traffic	NOUN
fbem-3454	40	33	import	import	NOUN
fbem-3454	40	34	through	through	ADP
fbem-3454	40	35	technical	technical	ADJ
fbem-3454	40	36	or	or	CCONJ
fbem-3454	40	37	payment	payment	NOUN
fbem-3454	40	38	means	mean	NOUN
fbem-3454	40	39	such	such	ADJ
fbem-3454	40	40	as	as	ADP
fbem-3454	40	41	search	search	NOUN
fbem-3454	40	42	engine	engine	NOUN
fbem-3454	40	43	marketing	marketing	NOUN
fbem-3454	40	44	and	and	CCONJ
fbem-3454	40	45	app	app	NOUN
fbem-3454	40	46	shop	shop	NOUN
fbem-3454	40	47	marketing	marketing	NOUN
fbem-3454	40	48	.	.	PUNCT
fbem-3454	41	1	as	as	SCONJ
fbem-3454	41	2	the	the	DET
fbem-3454	41	3	combination	combination	NOUN
fbem-3454	41	4	of	of	ADP
fbem-3454	41	5	internet	internet	NOUN
fbem-3454	41	6	finance	finance	NOUN
fbem-3454	41	7	and	and	CCONJ
fbem-3454	41	8	offline	offline	ADJ
fbem-3454	41	9	scenarios	scenario	NOUN
fbem-3454	41	10	becomes	become	VERB
fbem-3454	41	11	increasingly	increasingly	ADV
fbem-3454	41	12	close	close	ADJ
fbem-3454	41	13	,	,	PUNCT
fbem-3454	41	14	relevant	relevant	ADJ
fbem-3454	41	15	financial	financial	ADJ
fbem-3454	41	16	companies	company	NOUN
fbem-3454	41	17	gradually	gradually	ADV
fbem-3454	41	18	realized	realize	VERB
fbem-3454	41	19	that	that	SCONJ
fbem-3454	41	20	a	a	DET
fbem-3454	41	21	close	close	ADJ
fbem-3454	41	22	integration	integration	NOUN
fbem-3454	41	23	with	with	ADP
fbem-3454	41	24	offline	offline	ADJ
fbem-3454	41	25	life	life	NOUN
fbem-3454	41	26	scenarios	scenario	NOUN
fbem-3454	41	27	is	be	AUX
fbem-3454	41	28	more	more	ADV
fbem-3454	41	29	likely	likely	ADJ
fbem-3454	41	30	to	to	PART
fbem-3454	41	31	result	result	VERB
fbem-3454	41	32	in	in	ADP
fbem-3454	41	33	high	high	ADJ
fbem-3454	41	34	usage	usage	NOUN
fbem-3454	41	35	rates	rate	NOUN
fbem-3454	41	36	.	.	PUNCT
fbem-3454	42	1	in	in	ADP
fbem-3454	42	2	terms	term	NOUN
fbem-3454	42	3	of	of	ADP
fbem-3454	42	4	the	the	DET
fbem-3454	42	5	current	current	ADJ
fbem-3454	42	6	development	development	NOUN
fbem-3454	42	7	of	of	ADP
fbem-3454	42	8	the	the	DET
fbem-3454	42	9	financial	financial	ADJ
fbem-3454	42	10	market	market	NOUN
fbem-3454	42	11	,	,	PUNCT
fbem-3454	42	12	many	many	ADJ
fbem-3454	42	13	financial	financial	ADJ
fbem-3454	42	14	products	product	NOUN
fbem-3454	42	15	are	be	AUX
fbem-3454	42	16	designed	design	VERB
fbem-3454	42	17	to	to	PART
fbem-3454	42	18	cater	cater	VERB
fbem-3454	42	19	to	to	ADP
fbem-3454	42	20	the	the	DET
fbem-3454	42	21	market	market	NOUN
fbem-3454	42	22	,	,	PUNCT
fbem-3454	42	23	following	follow	VERB
fbem-3454	42	24	the	the	DET
fbem-3454	42	25	popular	popular	ADJ
fbem-3454	42	26	products	product	NOUN
fbem-3454	42	27	in	in	ADP
fbem-3454	42	28	the	the	DET
fbem-3454	42	29	market	market	NOUN
fbem-3454	42	30	,	,	PUNCT
fbem-3454	42	31	gradually	gradually	ADV
fbem-3454	42	32	going	go	VERB
fbem-3454	42	33	against	against	ADP
fbem-3454	42	34	the	the	DET
fbem-3454	42	35	direction	direction	NOUN
fbem-3454	42	36	of	of	ADP
fbem-3454	42	37	market	market	NOUN
fbem-3454	42	38	development	development	NOUN
fbem-3454	42	39	at	at	ADP
fbem-3454	42	40	the	the	DET
fbem-3454	42	41	beginning	beginning	NOUN
fbem-3454	42	42	of	of	ADP
fbem-3454	42	43	the	the	DET
fbem-3454	42	44	product	product	NOUN
fbem-3454	42	45	design	design	NOUN
fbem-3454	42	46	,	,	PUNCT
fbem-3454	42	47	to	to	PART
fbem-3454	42	48	expand	expand	VERB
fbem-3454	42	49	market	market	NOUN
fbem-3454	42	50	share	share	NOUN
fbem-3454	42	51	by	by	ADP
fbem-3454	42	52	spending	spend	VERB
fbem-3454	42	53	a	a	DET
fbem-3454	42	54	lot	lot	NOUN
fbem-3454	42	55	of	of	ADP
fbem-3454	42	56	money	money	NOUN
fbem-3454	42	57	on	on	ADP
fbem-3454	42	58	buying	buy	VERB
fbem-3454	42	59	technology	technology	NOUN
fbem-3454	42	60	and	and	CCONJ
fbem-3454	42	61	expanding	expand	VERB
fbem-3454	42	62	the	the	DET
fbem-3454	42	63	application	application	NOUN
fbem-3454	42	64	of	of	ADP
fbem-3454	42	65	its	its	PRON
fbem-3454	42	66	products	product	NOUN
fbem-3454	42	67	.	.	PUNCT
fbem-3454	43	1	however	however	ADV
fbem-3454	43	2	,	,	PUNCT
fbem-3454	43	3	as	as	SCONJ
fbem-3454	43	4	technology	technology	NOUN
fbem-3454	43	5	development	development	NOUN
fbem-3454	43	6	is	be	AUX
fbem-3454	43	7	characterized	characterize	VERB
fbem-3454	43	8	by	by	ADP
fbem-3454	43	9	"	"	PUNCT
fbem-3454	43	10	unilateral	unilateral	ADJ
fbem-3454	43	11	product	product	NOUN
fbem-3454	43	12	core	core	NOUN
fbem-3454	43	13	technology	technology	NOUN
fbem-3454	43	14	"	"	PUNCT
fbem-3454	43	15	,	,	PUNCT
fbem-3454	43	16	there	there	PRON
fbem-3454	43	17	is	be	VERB
fbem-3454	43	18	a	a	DET
fbem-3454	43	19	qualitative	qualitative	ADJ
fbem-3454	43	20	difference	difference	NOUN
fbem-3454	43	21	between	between	ADP
fbem-3454	43	22	the	the	DET
fbem-3454	43	23	introduced	introduce	VERB
fbem-3454	43	24	technology	technology	NOUN
fbem-3454	43	25	and	and	CCONJ
fbem-3454	43	26	the	the	DET
fbem-3454	43	27	technology	technology	NOUN
fbem-3454	43	28	being	be	AUX
fbem-3454	43	29	copied	copy	VERB
fbem-3454	43	30	,	,	PUNCT
fbem-3454	43	31	resulting	result	VERB
fbem-3454	43	32	in	in	ADP
fbem-3454	43	33	the	the	DET
fbem-3454	43	34	development	development	NOUN
fbem-3454	43	35	of	of	ADP
fbem-3454	43	36	products	product	NOUN
fbem-3454	43	37	that	that	PRON
fbem-3454	43	38	are	be	AUX
fbem-3454	43	39	"	"	PUNCT
fbem-3454	43	40	miscellaneous	miscellaneous	ADJ
fbem-3454	43	41	but	but	CCONJ
fbem-3454	43	42	not	not	PART
fbem-3454	43	43	refined	refine	VERB
fbem-3454	43	44	,	,	PUNCT
fbem-3454	43	45	extensive	extensive	ADJ
fbem-3454	43	46	but	but	CCONJ
fbem-3454	43	47	not	not	PART
fbem-3454	43	48	sophisticated	sophisticated	ADJ
fbem-3454	43	49	"	"	PUNCT
fbem-3454	43	50	.	.	PUNCT
fbem-3454	44	1	4.2	4.2	NUM
fbem-3454	44	2	.	.	PUNCT
fbem-3454	45	1	visualization	visualization	NOUN
fbem-3454	45	2	of	of	ADP
fbem-3454	45	3	product	product	NOUN
fbem-3454	45	4	design	design	VERB
fbem-3454	45	5	the	the	DET
fbem-3454	45	6	visualized	visualize	VERB
fbem-3454	45	7	design	design	NOUN
fbem-3454	45	8	of	of	ADP
fbem-3454	45	9	product	product	NOUN
fbem-3454	45	10	is	be	AUX
fbem-3454	45	11	intuitive	intuitive	ADJ
fbem-3454	45	12	and	and	CCONJ
fbem-3454	45	13	easy	easy	ADJ
fbem-3454	45	14	to	to	PART
fbem-3454	45	15	understand	understand	VERB
fbem-3454	45	16	.	.	PUNCT
fbem-3454	46	1	due	due	ADP
fbem-3454	46	2	to	to	ADP
fbem-3454	46	3	the	the	DET
fbem-3454	46	4	fierce	fierce	ADJ
fbem-3454	46	5	competition	competition	NOUN
fbem-3454	46	6	in	in	ADP
fbem-3454	46	7	the	the	DET
fbem-3454	46	8	market	market	NOUN
fbem-3454	46	9	,	,	PUNCT
fbem-3454	46	10	the	the	DET
fbem-3454	46	11	financial	financial	ADJ
fbem-3454	46	12	market	market	NOUN
fbem-3454	46	13	lacks	lack	VERB
fbem-3454	46	14	a	a	DET
fbem-3454	46	15	sense	sense	NOUN
fbem-3454	46	16	of	of	ADP
fbem-3454	46	17	innovation	innovation	NOUN
fbem-3454	46	18	,	,	PUNCT
fbem-3454	46	19	financial	financial	ADJ
fbem-3454	46	20	scenarios	scenario	NOUN
fbem-3454	46	21	are	be	AUX
fbem-3454	46	22	not	not	PART
fbem-3454	46	23	sufficiently	sufficiently	ADV
fbem-3454	46	24	explored	explore	VERB
fbem-3454	46	25	,	,	PUNCT
fbem-3454	46	26	which	which	PRON
fbem-3454	46	27	makes	make	VERB
fbem-3454	46	28	the	the	DET
fbem-3454	46	29	product	product	NOUN
fbem-3454	46	30	functions	function	NOUN
fbem-3454	46	31	of	of	ADP
fbem-3454	46	32	the	the	DET
fbem-3454	46	33	financial	financial	ADJ
fbem-3454	46	34	market	market	NOUN
fbem-3454	46	35	tend	tend	VERB
fbem-3454	46	36	to	to	PART
fbem-3454	46	37	be	be	AUX
fbem-3454	46	38	homogeneous	homogeneous	ADJ
fbem-3454	46	39	and	and	CCONJ
fbem-3454	46	40	business	business	NOUN
fbem-3454	46	41	monolithic	monolithic	ADJ
fbem-3454	46	42	,	,	PUNCT
fbem-3454	46	43	ultimately	ultimately	ADV
fbem-3454	46	44	leading	lead	VERB
fbem-3454	46	45	to	to	ADP
fbem-3454	46	46	a	a	DET
fbem-3454	46	47	reduction	reduction	NOUN
fbem-3454	46	48	in	in	ADP
fbem-3454	46	49	the	the	DET
fbem-3454	46	50	benefits	benefit	NOUN
fbem-3454	46	51	of	of	ADP
fbem-3454	46	52	financial	financial	ADJ
fbem-3454	46	53	institutions	institution	NOUN
fbem-3454	46	54	.	.	PUNCT
fbem-3454	47	1	social	social	ADJ
fbem-3454	47	2	scenarios	scenario	NOUN
fbem-3454	47	3	emphasize	emphasize	VERB
fbem-3454	47	4	experiences	experience	NOUN
fbem-3454	47	5	and	and	CCONJ
fbem-3454	47	6	sharing	sharing	NOUN
fbem-3454	47	7	.	.	PUNCT
fbem-3454	48	1	scenario	scenario	NOUN
fbem-3454	48	2	-	-	PUNCT
fbem-3454	48	3	based	base	VERB
fbem-3454	48	4	finance	finance	NOUN
fbem-3454	48	5	,	,	PUNCT
fbem-3454	48	6	on	on	ADP
fbem-3454	48	7	the	the	DET
fbem-3454	48	8	other	other	ADJ
fbem-3454	48	9	hand	hand	NOUN
fbem-3454	48	10	,	,	PUNCT
fbem-3454	48	11	improves	improve	VERB
fbem-3454	48	12	the	the	DET
fbem-3454	48	13	comfort	comfort	NOUN
fbem-3454	48	14	level	level	NOUN
fbem-3454	48	15	of	of	ADP
fbem-3454	48	16	financial	financial	ADJ
fbem-3454	48	17	scenarios	scenario	NOUN
fbem-3454	48	18	by	by	ADP
fbem-3454	48	19	increasing	increase	VERB
fbem-3454	48	20	social	social	ADJ
fbem-3454	48	21	attributes	attribute	NOUN
fbem-3454	48	22	and	and	CCONJ
fbem-3454	48	23	improving	improve	VERB
fbem-3454	48	24	the	the	DET
fbem-3454	48	25	sharing	sharing	NOUN
fbem-3454	48	26	mechanism	mechanism	NOUN
fbem-3454	48	27	based	base	VERB
fbem-3454	48	28	on	on	ADP
fbem-3454	48	29	customer	customer	NOUN
fbem-3454	48	30	experience	experience	NOUN
fbem-3454	48	31	.	.	PUNCT
fbem-3454	49	1	product	product	NOUN
fbem-3454	49	2	design	design	NOUN
fbem-3454	49	3	brings	bring	VERB
fbem-3454	49	4	consumers	consumer	NOUN
fbem-3454	49	5	closer	close	ADV
fbem-3454	49	6	to	to	ADP
fbem-3454	49	7	the	the	DET
fbem-3454	49	8	platform	platform	NOUN
fbem-3454	49	9	,	,	PUNCT
fbem-3454	49	10	and	and	CCONJ
fbem-3454	49	11	visualized	visualize	VERB
fbem-3454	49	12	financial	financial	ADJ
fbem-3454	49	13	products	product	NOUN
fbem-3454	49	14	will	will	AUX
fbem-3454	49	15	attract	attract	VERB
fbem-3454	49	16	consumers	consumer	NOUN
fbem-3454	49	17	'	'	PART
fbem-3454	49	18	attention	attention	NOUN
fbem-3454	49	19	and	and	CCONJ
fbem-3454	49	20	resonate	resonate	VERB
fbem-3454	49	21	with	with	ADP
fbem-3454	49	22	them	they	PRON
fbem-3454	49	23	.	.	PUNCT
fbem-3454	50	1	in	in	ADP
fbem-3454	50	2	scenariobased	scenariobased	ADJ
fbem-3454	50	3	financial	financial	ADJ
fbem-3454	50	4	services	service	NOUN
fbem-3454	50	5	,	,	PUNCT
fbem-3454	50	6	building	build	VERB
fbem-3454	50	7	financial	financial	ADJ
fbem-3454	50	8	product	product	NOUN
fbem-3454	50	9	images	image	NOUN
fbem-3454	50	10	helps	help	VERB
fbem-3454	50	11	the	the	DET
fbem-3454	50	12	realization	realization	NOUN
fbem-3454	50	13	of	of	ADP
fbem-3454	50	14	good	good	ADJ
fbem-3454	50	15	customer	customer	NOUN
fbem-3454	50	16	experience	experience	NOUN
fbem-3454	50	17	and	and	CCONJ
fbem-3454	50	18	will	will	AUX
fbem-3454	50	19	enhance	enhance	VERB
fbem-3454	50	20	the	the	DET
fbem-3454	50	21	penetration	penetration	NOUN
fbem-3454	50	22	of	of	ADP
fbem-3454	50	23	financial	financial	ADJ
fbem-3454	50	24	scenarios	scenario	NOUN
fbem-3454	50	25	,	,	PUNCT
fbem-3454	50	26	while	while	SCONJ
fbem-3454	50	27	sharing	sharing	NOUN
fbem-3454	50	28	relies	rely	VERB
fbem-3454	50	29	on	on	ADP
fbem-3454	50	30	social	social	ADJ
fbem-3454	50	31	influence	influence	NOUN
fbem-3454	50	32	to	to	PART
fbem-3454	50	33	achieve	achieve	VERB
fbem-3454	50	34	rapid	rapid	ADJ
fbem-3454	50	35	expansion	expansion	NOUN
fbem-3454	50	36	of	of	ADP
fbem-3454	50	37	the	the	DET
fbem-3454	50	38	scenario	scenario	NOUN
fbem-3454	50	39	ecosystem	ecosystem	NOUN
fbem-3454	50	40	and	and	CCONJ
fbem-3454	50	41	helps	help	VERB
fbem-3454	50	42	the	the	DET
fbem-3454	50	43	implementation	implementation	NOUN
fbem-3454	50	44	of	of	ADP
fbem-3454	50	45	marketing	marketing	NOUN
fbem-3454	50	46	and	and	CCONJ
fbem-3454	50	47	promotion	promotion	NOUN
fbem-3454	50	48	of	of	ADP
fbem-3454	50	49	internet	internet	NOUN
fbem-3454	50	50	financial	financial	ADJ
fbem-3454	50	51	products	product	NOUN
fbem-3454	50	52	,	,	PUNCT
fbem-3454	50	53	which	which	PRON
fbem-3454	50	54	will	will	AUX
fbem-3454	50	55	quickly	quickly	ADV
fbem-3454	50	56	build	build	VERB
fbem-3454	50	57	an	an	DET
fbem-3454	50	58	effective	effective	ADJ
fbem-3454	50	59	customer	customer	NOUN
fbem-3454	50	60	base	base	NOUN
fbem-3454	50	61	and	and	CCONJ
fbem-3454	50	62	improve	improve	VERB
fbem-3454	50	63	customer	customer	NOUN
fbem-3454	50	64	loyalty	loyalty	NOUN
fbem-3454	50	65	.	.	PUNCT
fbem-3454	51	1	4.3	4.3	NUM
fbem-3454	51	2	.	.	PUNCT
fbem-3454	51	3	experientialization	experientialization	NOUN
fbem-3454	51	4	of	of	ADP
fbem-3454	51	5	use	use	NOUN
fbem-3454	51	6	functions	function	NOUN
fbem-3454	51	7	good	good	ADJ
fbem-3454	51	8	customer	customer	NOUN
fbem-3454	51	9	experience	experience	NOUN
fbem-3454	51	10	is	be	AUX
fbem-3454	51	11	the	the	DET
fbem-3454	51	12	foundation	foundation	NOUN
fbem-3454	51	13	of	of	ADP
fbem-3454	51	14	business	business	NOUN
fbem-3454	51	15	development	development	NOUN
fbem-3454	51	16	,	,	PUNCT
fbem-3454	51	17	and	and	CCONJ
fbem-3454	51	18	consumer	consumer	NOUN
fbem-3454	51	19	sharing	sharing	NOUN
fbem-3454	51	20	mechanism	mechanism	NOUN
fbem-3454	51	21	is	be	AUX
fbem-3454	51	22	the	the	DET
fbem-3454	51	23	key	key	NOUN
fbem-3454	51	24	to	to	ADP
fbem-3454	51	25	scenario	scenario	NOUN
fbem-3454	51	26	-	-	PUNCT
fbem-3454	51	27	based	base	VERB
fbem-3454	51	28	finance	finance	NOUN
fbem-3454	51	29	.	.	PUNCT
fbem-3454	52	1	by	by	ADP
fbem-3454	52	2	building	build	VERB
fbem-3454	52	3	scenarios	scenario	NOUN
fbem-3454	52	4	,	,	PUNCT
fbem-3454	52	5	financial	financial	ADJ
fbem-3454	52	6	institutions	institution	NOUN
fbem-3454	52	7	can	can	AUX
fbem-3454	52	8	collect	collect	VERB
fbem-3454	52	9	multi	multi	ADJ
fbem-3454	52	10	-	-	ADJ
fbem-3454	52	11	dimensional	dimensional	ADJ
fbem-3454	52	12	data	datum	NOUN
fbem-3454	52	13	such	such	ADJ
fbem-3454	52	14	as	as	ADP
fbem-3454	52	15	customer	customer	NOUN
fbem-3454	52	16	behavior	behavior	NOUN
fbem-3454	52	17	and	and	CCONJ
fbem-3454	52	18	operating	operating	NOUN
fbem-3454	52	19	habits	habit	NOUN
fbem-3454	52	20	,	,	PUNCT
fbem-3454	52	21	geographic	geographic	ADJ
fbem-3454	52	22	location	location	NOUN
fbem-3454	52	23	information	information	NOUN
fbem-3454	52	24	,	,	PUNCT
fbem-3454	52	25	customer	customer	NOUN
fbem-3454	52	26	transaction	transaction	NOUN
fbem-3454	52	27	data	datum	NOUN
fbem-3454	52	28	and	and	CCONJ
fbem-3454	52	29	social	social	ADJ
fbem-3454	52	30	network	network	NOUN
fbem-3454	52	31	data	datum	NOUN
fbem-3454	52	32	to	to	PART
fbem-3454	52	33	ensure	ensure	VERB
fbem-3454	52	34	that	that	SCONJ
fbem-3454	52	35	the	the	DET
fbem-3454	52	36	data	data	NOUN
fbem-3454	52	37	is	be	AUX
fbem-3454	52	38	comprehensive	comprehensive	ADJ
fbem-3454	52	39	,	,	PUNCT
fbem-3454	52	40	complete	complete	ADJ
fbem-3454	52	41	and	and	CCONJ
fbem-3454	52	42	real	real	ADJ
fbem-3454	52	43	-	-	PUNCT
fbem-3454	52	44	time	time	NOUN
fbem-3454	52	45	.	.	PUNCT
fbem-3454	53	1	through	through	ADP
fbem-3454	53	2	the	the	DET
fbem-3454	53	3	use	use	NOUN
fbem-3454	53	4	logic	logic	NOUN
fbem-3454	53	5	of	of	ADP
fbem-3454	53	6	"	"	PUNCT
fbem-3454	53	7	knowing	know	VERB
fbem-3454	53	8	the	the	DET
fbem-3454	53	9	service	service	NOUN
fbem-3454	53	10	,	,	PUNCT
fbem-3454	53	11	experiencing	experience	VERB
fbem-3454	53	12	the	the	DET
fbem-3454	53	13	service	service	NOUN
fbem-3454	53	14	,	,	PUNCT
fbem-3454	53	15	using	use	VERB
fbem-3454	53	16	the	the	DET
fbem-3454	53	17	service	service	NOUN
fbem-3454	53	18	,	,	PUNCT
fbem-3454	53	19	evaluating	evaluate	VERB
fbem-3454	53	20	the	the	DET
fbem-3454	53	21	service	service	NOUN
fbem-3454	53	22	and	and	CCONJ
fbem-3454	53	23	sharing	share	VERB
fbem-3454	53	24	the	the	DET
fbem-3454	53	25	service	service	NOUN
fbem-3454	53	26	"	"	PUNCT
fbem-3454	53	27	of	of	ADP
fbem-3454	53	28	customers	customer	NOUN
fbem-3454	53	29	,	,	PUNCT
fbem-3454	53	30	a	a	DET
fbem-3454	53	31	customer	customer	NOUN
fbem-3454	53	32	portrait	portrait	NOUN
fbem-3454	53	33	with	with	ADP
fbem-3454	53	34	diversified	diversified	ADJ
fbem-3454	53	35	data	datum	NOUN
fbem-3454	53	36	can	can	AUX
fbem-3454	53	37	be	be	AUX
fbem-3454	53	38	built	build	VERB
fbem-3454	53	39	,	,	PUNCT
fbem-3454	53	40	and	and	CCONJ
fbem-3454	53	41	achieve	achieve	VERB
fbem-3454	53	42	data	datum	NOUN
fbem-3454	53	43	sharing	sharing	NOUN
fbem-3454	53	44	with	with	ADP
fbem-3454	53	45	other	other	ADJ
fbem-3454	53	46	scenarios	scenario	NOUN
fbem-3454	53	47	in	in	ADP
fbem-3454	53	48	the	the	DET
fbem-3454	53	49	internet	internet	NOUN
fbem-3454	53	50	financial	financial	ADJ
fbem-3454	53	51	ecosystem	ecosystem	NOUN
fbem-3454	53	52	.	.	PUNCT
fbem-3454	54	1	5	5	X
fbem-3454	54	2	.	.	X
fbem-3454	54	3	the	the	DET
fbem-3454	54	4	path	path	NOUN
fbem-3454	54	5	to	to	PART
fbem-3454	54	6	achieve	achieve	VERB
fbem-3454	54	7	the	the	DET
fbem-3454	54	8	effectiveness	effectiveness	NOUN
fbem-3454	54	9	of	of	ADP
fbem-3454	54	10	scenario	scenario	NOUN
fbem-3454	54	11	-	-	PUNCT
fbem-3454	54	12	based	base	VERB
fbem-3454	54	13	finance	finance	NOUN
fbem-3454	54	14	scenario	scenario	NOUN
fbem-3454	54	15	-	-	PUNCT
fbem-3454	54	16	based	base	VERB
fbem-3454	54	17	finance	finance	NOUN
fbem-3454	54	18	,	,	PUNCT
fbem-3454	54	19	as	as	ADP
fbem-3454	54	20	a	a	DET
fbem-3454	54	21	"	"	PUNCT
fbem-3454	54	22	technology	technology	NOUN
fbem-3454	54	23	+	+	CCONJ
fbem-3454	54	24	scenario	scenario	NOUN
fbem-3454	54	25	"	"	PUNCT
fbem-3454	54	26	technology	technology	NOUN
fbem-3454	54	27	tool	tool	NOUN
fbem-3454	54	28	,	,	PUNCT
fbem-3454	54	29	has	have	AUX
fbem-3454	54	30	become	become	VERB
fbem-3454	54	31	a	a	DET
fbem-3454	54	32	trend	trend	NOUN
fbem-3454	54	33	in	in	ADP
fbem-3454	54	34	the	the	DET
fbem-3454	54	35	development	development	NOUN
fbem-3454	54	36	of	of	ADP
fbem-3454	54	37	the	the	DET
fbem-3454	54	38	financial	financial	ADJ
fbem-3454	54	39	industry	industry	NOUN
fbem-3454	54	40	,	,	PUNCT
fbem-3454	54	41	and	and	CCONJ
fbem-3454	54	42	the	the	DET
fbem-3454	54	43	integration	integration	NOUN
fbem-3454	54	44	of	of	ADP
fbem-3454	54	45	the	the	DET
fbem-3454	54	46	two	two	NUM
fbem-3454	54	47	will	will	AUX
fbem-3454	54	48	be	be	AUX
fbem-3454	54	49	enhanced	enhance	VERB
fbem-3454	54	50	further	far	ADV
fbem-3454	54	51	.	.	PUNCT
fbem-3454	55	1	technology	technology	NOUN
fbem-3454	55	2	will	will	AUX
fbem-3454	55	3	drive	drive	VERB
fbem-3454	55	4	new	new	ADJ
fbem-3454	55	5	business	business	NOUN
fbem-3454	55	6	models	model	NOUN
fbem-3454	55	7	in	in	ADP
fbem-3454	55	8	the	the	DET
fbem-3454	55	9	new	new	ADJ
fbem-3454	55	10	financial	financial	ADJ
fbem-3454	55	11	industry	industry	NOUN
fbem-3454	55	12	in	in	ADP
fbem-3454	55	13	terms	term	NOUN
fbem-3454	55	14	of	of	ADP
fbem-3454	55	15	asset	asset	NOUN
fbem-3454	55	16	characteristics	characteristic	NOUN
fbem-3454	55	17	,	,	PUNCT
fbem-3454	55	18	transaction	transaction	NOUN
fbem-3454	55	19	mechanisms	mechanism	NOUN
fbem-3454	55	20	and	and	CCONJ
fbem-3454	55	21	scenario	scenario	NOUN
fbem-3454	55	22	models	model	NOUN
fbem-3454	55	23	,	,	PUNCT
fbem-3454	55	24	and	and	CCONJ
fbem-3454	55	25	more	more	ADJ
fbem-3454	55	26	scenario	scenario	NOUN
fbem-3454	55	27	-	-	PUNCT
fbem-3454	55	28	based	base	VERB
fbem-3454	55	29	practices	practice	NOUN
fbem-3454	55	30	driven	drive	VERB
fbem-3454	55	31	by	by	ADP
fbem-3454	55	32	technology	technology	NOUN
fbem-3454	55	33	will	will	AUX
fbem-3454	55	34	be	be	AUX
fbem-3454	55	35	realized	realize	VERB
fbem-3454	55	36	by	by	ADP
fbem-3454	55	37	region	region	NOUN
fbem-3454	55	38	segmentation	segmentation	NOUN
fbem-3454	55	39	.	.	PUNCT
fbem-3454	56	1	under	under	ADP
fbem-3454	56	2	the	the	DET
fbem-3454	56	3	combined	combined	ADJ
fbem-3454	56	4	effect	effect	NOUN
fbem-3454	56	5	of	of	ADP
fbem-3454	56	6	the	the	DET
fbem-3454	56	7	closed	closed	ADJ
fbem-3454	56	8	loop	loop	NOUN
fbem-3454	56	9	of	of	ADP
fbem-3454	56	10	business	business	NOUN
fbem-3454	56	11	flow	flow	NOUN
fbem-3454	56	12	and	and	CCONJ
fbem-3454	56	13	the	the	DET
fbem-3454	56	14	closed	closed	ADJ
fbem-3454	56	15	loop	loop	NOUN
fbem-3454	56	16	of	of	ADP
fbem-3454	56	17	capital	capital	NOUN
fbem-3454	56	18	chain	chain	NOUN
fbem-3454	56	19	,	,	PUNCT
fbem-3454	56	20	the	the	DET
fbem-3454	56	21	formation	formation	NOUN
fbem-3454	56	22	of	of	ADP
fbem-3454	56	23	a	a	DET
fbem-3454	56	24	financial	financial	ADJ
fbem-3454	56	25	ecosystem	ecosystem	NOUN
fbem-3454	56	26	will	will	AUX
fbem-3454	56	27	be	be	AUX
fbem-3454	56	28	promoted	promote	VERB
fbem-3454	56	29	by	by	ADP
fbem-3454	56	30	creating	create	VERB
fbem-3454	56	31	scenarios	scenario	NOUN
fbem-3454	56	32	of	of	ADP
fbem-3454	56	33	life	life	NOUN
fbem-3454	56	34	and	and	CCONJ
fbem-3454	56	35	production	production	NOUN
fbem-3454	56	36	applications	application	NOUN
fbem-3454	56	37	of	of	ADP
fbem-3454	56	38	internet	internet	NOUN
fbem-3454	56	39	credit	credit	NOUN
fbem-3454	56	40	.	.	PUNCT
fbem-3454	57	1	5.1	5.1	NUM
fbem-3454	57	2	.	.	PUNCT
fbem-3454	58	1	build	build	VERB
fbem-3454	58	2	user	user	NOUN
fbem-3454	58	3	scenarios	scenario	NOUN
fbem-3454	58	4	to	to	PART
fbem-3454	58	5	achieve	achieve	VERB
fbem-3454	58	6	multichannel	multichannel	ADJ
fbem-3454	58	7	entry	entry	NOUN
fbem-3454	58	8	with	with	ADP
fbem-3454	58	9	the	the	DET
fbem-3454	58	10	advent	advent	NOUN
fbem-3454	58	11	of	of	ADP
fbem-3454	58	12	big	big	ADJ
fbem-3454	58	13	data	datum	NOUN
fbem-3454	58	14	era	era	NOUN
fbem-3454	58	15	,	,	PUNCT
fbem-3454	58	16	whoever	whoever	PRON
fbem-3454	58	17	can	can	AUX
fbem-3454	58	18	be	be	AUX
fbem-3454	58	19	the	the	DET
fbem-3454	58	20	first	first	ADJ
fbem-3454	58	21	to	to	PART
fbem-3454	58	22	obtain	obtain	VERB
fbem-3454	58	23	data	datum	NOUN
fbem-3454	58	24	and	and	CCONJ
fbem-3454	58	25	know	know	VERB
fbem-3454	58	26	how	how	SCONJ
fbem-3454	58	27	to	to	PART
fbem-3454	58	28	analyze	analyze	VERB
fbem-3454	58	29	it	it	PRON
fbem-3454	58	30	will	will	AUX
fbem-3454	58	31	have	have	VERB
fbem-3454	58	32	a	a	DET
fbem-3454	58	33	good	good	ADJ
fbem-3454	58	34	grasp	grasp	NOUN
fbem-3454	58	35	of	of	ADP
fbem-3454	58	36	the	the	DET
fbem-3454	58	37	consumption	consumption	NOUN
fbem-3454	58	38	habits	habit	NOUN
fbem-3454	58	39	of	of	ADP
fbem-3454	58	40	the	the	DET
fbem-3454	58	41	customer	customer	NOUN
fbem-3454	58	42	base	base	NOUN
fbem-3454	58	43	,	,	PUNCT
fbem-3454	58	44	and	and	CCONJ
fbem-3454	58	45	will	will	AUX
fbem-3454	58	46	also	also	ADV
fbem-3454	58	47	167	167	NUM
fbem-3454	58	48	have	have	VERB
fbem-3454	58	49	the	the	DET
fbem-3454	58	50	vane	vane	NOUN
fbem-3454	58	51	to	to	PART
fbem-3454	58	52	broaden	broaden	VERB
fbem-3454	58	53	the	the	DET
fbem-3454	58	54	future	future	ADJ
fbem-3454	58	55	field	field	NOUN
fbem-3454	58	56	.	.	PUNCT
fbem-3454	59	1	financial	financial	ADJ
fbem-3454	59	2	institutions	institution	NOUN
fbem-3454	59	3	need	need	VERB
fbem-3454	59	4	to	to	PART
fbem-3454	59	5	bring	bring	VERB
fbem-3454	59	6	into	into	ADP
fbem-3454	59	7	play	play	VERB
fbem-3454	59	8	their	their	PRON
fbem-3454	59	9	data	datum	NOUN
fbem-3454	59	10	analysis	analysis	NOUN
fbem-3454	59	11	capabilities	capability	NOUN
fbem-3454	59	12	,	,	PUNCT
fbem-3454	59	13	change	change	VERB
fbem-3454	59	14	the	the	DET
fbem-3454	59	15	starting	starting	NOUN
fbem-3454	59	16	point	point	NOUN
fbem-3454	59	17	of	of	ADP
fbem-3454	59	18	product	product	NOUN
fbem-3454	59	19	design	design	NOUN
fbem-3454	59	20	and	and	CCONJ
fbem-3454	59	21	efficiently	efficiently	ADV
fbem-3454	59	22	create	create	VERB
fbem-3454	59	23	customer	customer	NOUN
fbem-3454	59	24	application	application	NOUN
fbem-3454	59	25	scenarios	scenario	NOUN
fbem-3454	59	26	.	.	PUNCT
fbem-3454	60	1	financial	financial	ADJ
fbem-3454	60	2	companies	company	NOUN
fbem-3454	60	3	are	be	AUX
fbem-3454	60	4	leveraging	leverage	VERB
fbem-3454	60	5	the	the	DET
fbem-3454	60	6	new	new	ADJ
fbem-3454	60	7	technologies	technology	NOUN
fbem-3454	60	8	,	,	PUNCT
fbem-3454	60	9	methods	method	NOUN
fbem-3454	60	10	and	and	CCONJ
fbem-3454	60	11	channels	channel	NOUN
fbem-3454	60	12	of	of	ADP
fbem-3454	60	13	the	the	DET
fbem-3454	60	14	internet	internet	NOUN
fbem-3454	60	15	to	to	PART
fbem-3454	60	16	explore	explore	VERB
fbem-3454	60	17	their	their	PRON
fbem-3454	60	18	own	own	ADJ
fbem-3454	60	19	advantages	advantage	NOUN
fbem-3454	60	20	,	,	PUNCT
fbem-3454	60	21	reduce	reduce	VERB
fbem-3454	60	22	information	information	NOUN
fbem-3454	60	23	asymmetry	asymmetry	NOUN
fbem-3454	60	24	on	on	ADP
fbem-3454	60	25	the	the	DET
fbem-3454	60	26	asset	asset	NOUN
fbem-3454	60	27	side	side	NOUN
fbem-3454	60	28	and	and	CCONJ
fbem-3454	60	29	capital	capital	NOUN
fbem-3454	60	30	side	side	NOUN
fbem-3454	60	31	through	through	ADP
fbem-3454	60	32	the	the	DET
fbem-3454	60	33	integration	integration	NOUN
fbem-3454	60	34	of	of	ADP
fbem-3454	60	35	information	information	NOUN
fbem-3454	60	36	,	,	PUNCT
fbem-3454	60	37	improve	improve	VERB
fbem-3454	60	38	the	the	DET
fbem-3454	60	39	efficiency	efficiency	NOUN
fbem-3454	60	40	of	of	ADP
fbem-3454	60	41	information	information	NOUN
fbem-3454	60	42	sharing	sharing	NOUN
fbem-3454	60	43	,	,	PUNCT
fbem-3454	60	44	enhance	enhance	VERB
fbem-3454	60	45	the	the	DET
fbem-3454	60	46	frequency	frequency	NOUN
fbem-3454	60	47	of	of	ADP
fbem-3454	60	48	contact	contact	NOUN
fbem-3454	60	49	with	with	ADP
fbem-3454	60	50	customers	customer	NOUN
fbem-3454	60	51	,	,	PUNCT
fbem-3454	60	52	launch	launch	VERB
fbem-3454	60	53	new	new	ADJ
fbem-3454	60	54	financial	financial	ADJ
fbem-3454	60	55	scenarios	scenario	NOUN
fbem-3454	60	56	with	with	ADP
fbem-3454	60	57	a	a	DET
fbem-3454	60	58	focus	focus	NOUN
fbem-3454	60	59	on	on	ADP
fbem-3454	60	60	enhancing	enhance	VERB
fbem-3454	60	61	customer	customer	NOUN
fbem-3454	60	62	experience	experience	NOUN
fbem-3454	60	63	,	,	PUNCT
fbem-3454	60	64	and	and	CCONJ
fbem-3454	60	65	derive	derive	VERB
fbem-3454	60	66	new	new	ADJ
fbem-3454	60	67	internet	internet	NOUN
fbem-3454	60	68	finance	finance	NOUN
fbem-3454	60	69	business	business	NOUN
fbem-3454	60	70	models	model	NOUN
fbem-3454	60	71	to	to	PART
fbem-3454	60	72	meet	meet	VERB
fbem-3454	60	73	customers	customer	NOUN
fbem-3454	60	74	'	'	PART
fbem-3454	60	75	needs	need	NOUN
fbem-3454	60	76	for	for	ADP
fbem-3454	60	77	diversified	diversified	ADJ
fbem-3454	60	78	investment	investment	NOUN
fbem-3454	60	79	portfolios	portfolio	NOUN
fbem-3454	60	80	.	.	PUNCT
fbem-3454	61	1	internet	internet	NOUN
fbem-3454	61	2	financial	financial	ADJ
fbem-3454	61	3	institutions	institution	NOUN
fbem-3454	61	4	can	can	AUX
fbem-3454	61	5	import	import	VERB
fbem-3454	61	6	the	the	DET
fbem-3454	61	7	same	same	ADJ
fbem-3454	61	8	financial	financial	ADJ
fbem-3454	61	9	consumption	consumption	NOUN
fbem-3454	61	10	scenarios	scenario	NOUN
fbem-3454	61	11	through	through	ADP
fbem-3454	61	12	different	different	ADJ
fbem-3454	61	13	channels	channel	NOUN
fbem-3454	61	14	,	,	PUNCT
fbem-3454	61	15	making	make	VERB
fbem-3454	61	16	the	the	DET
fbem-3454	61	17	products	product	NOUN
fbem-3454	61	18	&	&	CCONJ
fbem-3454	61	19	services	service	NOUN
fbem-3454	61	20	more	more	ADV
fbem-3454	61	21	compatible	compatible	ADJ
fbem-3454	61	22	with	with	ADP
fbem-3454	61	23	consumers	consumer	NOUN
fbem-3454	61	24	and	and	CCONJ
fbem-3454	61	25	enhancing	enhance	VERB
fbem-3454	61	26	customer	customer	NOUN
fbem-3454	61	27	stickiness	stickiness	NOUN
fbem-3454	61	28	.	.	PUNCT
fbem-3454	62	1	through	through	ADP
fbem-3454	62	2	product	product	NOUN
fbem-3454	62	3	innovation	innovation	NOUN
fbem-3454	62	4	,	,	PUNCT
fbem-3454	62	5	dig	dig	VERB
fbem-3454	62	6	deeper	deeply	ADV
fbem-3454	62	7	into	into	ADP
fbem-3454	62	8	individual	individual	ADJ
fbem-3454	62	9	customers	customer	NOUN
fbem-3454	62	10	'	'	PART
fbem-3454	62	11	life	life	NOUN
fbem-3454	62	12	scenarios	scenario	NOUN
fbem-3454	62	13	and	and	CCONJ
fbem-3454	62	14	improve	improve	VERB
fbem-3454	62	15	the	the	DET
fbem-3454	62	16	penetration	penetration	NOUN
fbem-3454	62	17	of	of	ADP
fbem-3454	62	18	financial	financial	ADJ
fbem-3454	62	19	services	service	NOUN
fbem-3454	62	20	,	,	PUNCT
fbem-3454	62	21	enriching	enrich	VERB
fbem-3454	62	22	the	the	DET
fbem-3454	62	23	connotation	connotation	NOUN
fbem-3454	62	24	of	of	ADP
fbem-3454	62	25	scenarios	scenario	NOUN
fbem-3454	62	26	such	such	ADJ
fbem-3454	62	27	as	as	ADP
fbem-3454	62	28	lifestyle	lifestyle	NOUN
fbem-3454	62	29	payment	payment	NOUN
fbem-3454	62	30	,	,	PUNCT
fbem-3454	62	31	online	online	ADJ
fbem-3454	62	32	shopping	shopping	NOUN
fbem-3454	62	33	instalment	instalment	NOUN
fbem-3454	62	34	and	and	CCONJ
fbem-3454	62	35	intelligent	intelligent	ADJ
fbem-3454	62	36	financial	financial	ADJ
fbem-3454	62	37	management	management	NOUN
fbem-3454	62	38	,	,	PUNCT
fbem-3454	62	39	and	and	CCONJ
fbem-3454	62	40	expanding	expand	VERB
fbem-3454	62	41	the	the	DET
fbem-3454	62	42	outreach	outreach	NOUN
fbem-3454	62	43	of	of	ADP
fbem-3454	62	44	scenarios	scenario	NOUN
fbem-3454	62	45	such	such	ADJ
fbem-3454	62	46	as	as	ADP
fbem-3454	62	47	leisure	leisure	NOUN
fbem-3454	62	48	and	and	CCONJ
fbem-3454	62	49	entertainment	entertainment	NOUN
fbem-3454	62	50	,	,	PUNCT
fbem-3454	62	51	education	education	NOUN
fbem-3454	62	52	and	and	CCONJ
fbem-3454	62	53	healthcare	healthcare	NOUN
fbem-3454	62	54	,	,	PUNCT
fbem-3454	62	55	marriage	marriage	NOUN
fbem-3454	62	56	and	and	CCONJ
fbem-3454	62	57	car	car	NOUN
fbem-3454	62	58	purchase	purchase	NOUN
fbem-3454	62	59	,	,	PUNCT
fbem-3454	62	60	friends	friend	NOUN
fbem-3454	62	61	'	'	PART
fbem-3454	62	62	red	red	ADJ
fbem-3454	62	63	packets	packet	NOUN
fbem-3454	62	64	and	and	CCONJ
fbem-3454	62	65	on	on	ADP
fbem-3454	62	66	-	-	PUNCT
fbem-3454	62	67	site	site	NOUN
fbem-3454	62	68	interaction	interaction	NOUN
fbem-3454	62	69	.	.	PUNCT
fbem-3454	63	1	according	accord	VERB
fbem-3454	63	2	to	to	ADP
fbem-3454	63	3	customer	customer	NOUN
fbem-3454	63	4	behavior	behavior	NOUN
fbem-3454	63	5	and	and	CCONJ
fbem-3454	63	6	usage	usage	NOUN
fbem-3454	63	7	habits	habit	NOUN
fbem-3454	63	8	,	,	PUNCT
fbem-3454	63	9	realize	realize	VERB
fbem-3454	63	10	flexible	flexible	ADJ
fbem-3454	63	11	and	and	CCONJ
fbem-3454	63	12	diverse	diverse	ADJ
fbem-3454	63	13	products	product	NOUN
fbem-3454	63	14	&	&	CCONJ
fbem-3454	63	15	service	service	NOUN
fbem-3454	63	16	models	model	NOUN
fbem-3454	63	17	in	in	ADP
fbem-3454	63	18	payment	payment	NOUN
fbem-3454	63	19	and	and	CCONJ
fbem-3454	63	20	settlement	settlement	NOUN
fbem-3454	63	21	,	,	PUNCT
fbem-3454	63	22	scene	scene	NOUN
fbem-3454	63	23	interoperability	interoperability	NOUN
fbem-3454	63	24	and	and	CCONJ
fbem-3454	63	25	optimized	optimize	VERB
fbem-3454	63	26	experience	experience	NOUN
fbem-3454	63	27	,	,	PUNCT
fbem-3454	63	28	while	while	SCONJ
fbem-3454	63	29	connecting	connect	VERB
fbem-3454	63	30	the	the	DET
fbem-3454	63	31	flow	flow	NOUN
fbem-3454	63	32	and	and	CCONJ
fbem-3454	63	33	interaction	interaction	NOUN
fbem-3454	63	34	scenarios	scenario	NOUN
fbem-3454	63	35	of	of	ADP
fbem-3454	63	36	enterprise	enterprise	NOUN
fbem-3454	63	37	capital	capital	NOUN
fbem-3454	63	38	flow	flow	NOUN
fbem-3454	63	39	,	,	PUNCT
fbem-3454	63	40	logistics	logistic	NOUN
fbem-3454	63	41	and	and	CCONJ
fbem-3454	63	42	information	information	NOUN
fbem-3454	63	43	flow	flow	NOUN
fbem-3454	63	44	,	,	PUNCT
fbem-3454	63	45	focusing	focus	VERB
fbem-3454	63	46	on	on	ADP
fbem-3454	63	47	meeting	meet	VERB
fbem-3454	63	48	the	the	DET
fbem-3454	63	49	liquidity	liquidity	NOUN
fbem-3454	63	50	needs	need	NOUN
fbem-3454	63	51	of	of	ADP
fbem-3454	63	52	businesses	business	NOUN
fbem-3454	63	53	[	[	X
fbem-3454	63	54	2	2	NUM
fbem-3454	63	55	]	]	PUNCT
fbem-3454	63	56	.	.	PUNCT
fbem-3454	64	1	5.2	5.2	NUM
fbem-3454	64	2	.	.	PUNCT
fbem-3454	65	1	multichannel	multichannel	PROPN
fbem-3454	65	2	data	data	PROPN
fbem-3454	65	3	mining	mining	NOUN
fbem-3454	65	4	for	for	ADP
fbem-3454	65	5	product	product	NOUN
fbem-3454	65	6	design	design	NOUN
fbem-3454	65	7	inspiration	inspiration	NOUN
fbem-3454	65	8	product	product	NOUN
fbem-3454	65	9	design	design	NOUN
fbem-3454	65	10	for	for	ADP
fbem-3454	65	11	scenario	scenario	NOUN
fbem-3454	65	12	-	-	PUNCT
fbem-3454	65	13	based	base	VERB
fbem-3454	65	14	finance	finance	NOUN
fbem-3454	65	15	is	be	AUX
fbem-3454	65	16	a	a	DET
fbem-3454	65	17	more	more	ADV
fbem-3454	65	18	programmatic	programmatic	ADJ
fbem-3454	65	19	and	and	CCONJ
fbem-3454	65	20	complete	complete	ADJ
fbem-3454	65	21	production	production	NOUN
fbem-3454	65	22	process	process	NOUN
fbem-3454	65	23	.	.	PUNCT
fbem-3454	66	1	scenariobased	scenariobased	ADJ
fbem-3454	66	2	finance	finance	NOUN
fbem-3454	66	3	is	be	AUX
fbem-3454	66	4	not	not	PART
fbem-3454	66	5	just	just	ADV
fbem-3454	66	6	a	a	DET
fbem-3454	66	7	corporate	corporate	ADJ
fbem-3454	66	8	act	act	NOUN
fbem-3454	66	9	,	,	PUNCT
fbem-3454	66	10	nor	nor	CCONJ
fbem-3454	66	11	is	be	AUX
fbem-3454	66	12	it	it	PRON
fbem-3454	66	13	merely	merely	ADV
fbem-3454	66	14	the	the	DET
fbem-3454	66	15	use	use	NOUN
fbem-3454	66	16	of	of	ADP
fbem-3454	66	17	production	production	NOUN
fbem-3454	66	18	techniques	technique	NOUN
fbem-3454	66	19	and	and	CCONJ
fbem-3454	66	20	scientific	scientific	ADJ
fbem-3454	66	21	technology	technology	NOUN
fbem-3454	66	22	to	to	PART
fbem-3454	66	23	shape	shape	VERB
fbem-3454	66	24	the	the	DET
fbem-3454	66	25	needs	need	NOUN
fbem-3454	66	26	of	of	ADP
fbem-3454	66	27	users	user	NOUN
fbem-3454	66	28	.	.	PUNCT
fbem-3454	67	1	rather	rather	ADV
fbem-3454	67	2	,	,	PUNCT
fbem-3454	67	3	it	it	PRON
fbem-3454	67	4	is	be	AUX
fbem-3454	67	5	a	a	DET
fbem-3454	67	6	kind	kind	NOUN
fbem-3454	67	7	of	of	ADP
fbem-3454	67	8	finance	finance	NOUN
fbem-3454	67	9	that	that	PRON
fbem-3454	67	10	,	,	PUNCT
fbem-3454	67	11	after	after	ADP
fbem-3454	67	12	examining	examine	VERB
fbem-3454	67	13	the	the	DET
fbem-3454	67	14	market	market	NOUN
fbem-3454	67	15	and	and	CCONJ
fbem-3454	67	16	consumers	consumer	NOUN
fbem-3454	67	17	,	,	PUNCT
fbem-3454	67	18	selects	select	VERB
fbem-3454	67	19	the	the	DET
fbem-3454	67	20	starting	starting	NOUN
fbem-3454	67	21	point	point	NOUN
fbem-3454	67	22	of	of	ADP
fbem-3454	67	23	product	product	NOUN
fbem-3454	67	24	design	design	NOUN
fbem-3454	67	25	from	from	ADP
fbem-3454	67	26	the	the	DET
fbem-3454	67	27	customer	customer	NOUN
fbem-3454	67	28	's	's	PART
fbem-3454	67	29	life	life	NOUN
fbem-3454	67	30	scenario	scenario	NOUN
fbem-3454	67	31	and	and	CCONJ
fbem-3454	67	32	finds	find	VERB
fbem-3454	67	33	new	new	ADJ
fbem-3454	67	34	breakthroughs	breakthrough	NOUN
fbem-3454	67	35	in	in	ADP
fbem-3454	67	36	product	product	NOUN
fbem-3454	67	37	design	design	NOUN
fbem-3454	67	38	for	for	ADP
fbem-3454	67	39	designers	designer	NOUN
fbem-3454	67	40	.	.	PUNCT
fbem-3454	68	1	on	on	ADP
fbem-3454	68	2	the	the	DET
fbem-3454	68	3	basis	basis	NOUN
fbem-3454	68	4	of	of	ADP
fbem-3454	68	5	the	the	DET
fbem-3454	68	6	scenario	scenario	NOUN
fbem-3454	68	7	,	,	PUNCT
fbem-3454	68	8	the	the	DET
fbem-3454	68	9	financial	financial	ADJ
fbem-3454	68	10	institution	institution	NOUN
fbem-3454	68	11	brings	bring	VERB
fbem-3454	68	12	together	together	ADP
fbem-3454	68	13	users	user	NOUN
fbem-3454	68	14	with	with	ADP
fbem-3454	68	15	the	the	DET
fbem-3454	68	16	same	same	ADJ
fbem-3454	68	17	characteristics	characteristic	NOUN
fbem-3454	68	18	and	and	CCONJ
fbem-3454	68	19	needs	need	VERB
fbem-3454	68	20	to	to	PART
fbem-3454	68	21	provide	provide	VERB
fbem-3454	68	22	the	the	DET
fbem-3454	68	23	same	same	ADJ
fbem-3454	68	24	type	type	NOUN
fbem-3454	68	25	of	of	ADP
fbem-3454	68	26	service	service	NOUN
fbem-3454	68	27	in	in	ADP
fbem-3454	68	28	the	the	DET
fbem-3454	68	29	same	same	ADJ
fbem-3454	68	30	scenario	scenario	NOUN
fbem-3454	68	31	to	to	PART
fbem-3454	68	32	attract	attract	VERB
fbem-3454	68	33	customers	customer	NOUN
fbem-3454	68	34	.	.	PUNCT
fbem-3454	69	1	a	a	DET
fbem-3454	69	2	scenario	scenario	NOUN
fbem-3454	69	3	in	in	ADP
fbem-3454	69	4	the	the	DET
fbem-3454	69	5	product	product	NOUN
fbem-3454	69	6	design	design	NOUN
fbem-3454	69	7	process	process	NOUN
fbem-3454	69	8	then	then	ADV
fbem-3454	69	9	becomes	become	VERB
fbem-3454	69	10	the	the	DET
fbem-3454	69	11	act	act	NOUN
fbem-3454	69	12	of	of	ADP
fbem-3454	69	13	satisfying	satisfy	VERB
fbem-3454	69	14	consumers	consumer	NOUN
fbem-3454	69	15	'	'	PART
fbem-3454	69	16	willingness	willingness	NOUN
fbem-3454	69	17	to	to	PART
fbem-3454	69	18	pay	pay	VERB
fbem-3454	69	19	.	.	PUNCT
fbem-3454	70	1	big	big	ADJ
fbem-3454	70	2	data	datum	NOUN
fbem-3454	70	3	is	be	AUX
fbem-3454	70	4	the	the	DET
fbem-3454	70	5	most	most	ADV
fbem-3454	70	6	valuable	valuable	ADJ
fbem-3454	70	7	resource	resource	NOUN
fbem-3454	70	8	for	for	ADP
fbem-3454	70	9	each	each	DET
fbem-3454	70	10	development	development	NOUN
fbem-3454	70	11	market	market	NOUN
fbem-3454	70	12	.	.	PUNCT
fbem-3454	71	1	in	in	ADP
fbem-3454	71	2	product	product	NOUN
fbem-3454	71	3	design	design	NOUN
fbem-3454	71	4	,	,	PUNCT
fbem-3454	71	5	by	by	ADP
fbem-3454	71	6	using	use	VERB
fbem-3454	71	7	the	the	DET
fbem-3454	71	8	whole	whole	ADJ
fbem-3454	71	9	big	big	ADJ
fbem-3454	71	10	data	datum	NOUN
fbem-3454	71	11	industry	industry	NOUN
fbem-3454	71	12	chain	chain	NOUN
fbem-3454	71	13	,	,	PUNCT
fbem-3454	71	14	the	the	DET
fbem-3454	71	15	database	database	NOUN
fbem-3454	71	16	and	and	CCONJ
fbem-3454	71	17	products	product	NOUN
fbem-3454	71	18	are	be	AUX
fbem-3454	71	19	managed	manage	VERB
fbem-3454	71	20	separately	separately	ADV
fbem-3454	71	21	,	,	PUNCT
fbem-3454	71	22	and	and	CCONJ
fbem-3454	71	23	then	then	ADV
fbem-3454	71	24	data	datum	NOUN
fbem-3454	71	25	tracking	tracking	NOUN
fbem-3454	71	26	is	be	AUX
fbem-3454	71	27	carried	carry	VERB
fbem-3454	71	28	out	out	ADP
fbem-3454	71	29	based	base	VERB
fbem-3454	71	30	on	on	ADP
fbem-3454	71	31	customer	customer	NOUN
fbem-3454	71	32	consumption	consumption	NOUN
fbem-3454	71	33	,	,	PUNCT
fbem-3454	71	34	using	use	VERB
fbem-3454	71	35	data	datum	NOUN
fbem-3454	71	36	mainly	mainly	ADV
fbem-3454	71	37	for	for	ADP
fbem-3454	71	38	visual	visual	ADJ
fbem-3454	71	39	analysis	analysis	NOUN
fbem-3454	71	40	,	,	PUNCT
fbem-3454	71	41	predictive	predictive	ADJ
fbem-3454	71	42	analysis	analysis	NOUN
fbem-3454	71	43	,	,	PUNCT
fbem-3454	71	44	data	datum	NOUN
fbem-3454	71	45	mining	mining	NOUN
fbem-3454	71	46	algorithms	algorithm	NOUN
fbem-3454	71	47	and	and	CCONJ
fbem-3454	71	48	other	other	ADJ
fbem-3454	71	49	means	mean	NOUN
fbem-3454	71	50	to	to	PART
fbem-3454	71	51	discover	discover	VERB
fbem-3454	71	52	scenarios	scenario	NOUN
fbem-3454	71	53	,	,	PUNCT
fbem-3454	71	54	combining	combine	VERB
fbem-3454	71	55	advertising	advertising	NOUN
fbem-3454	71	56	optimization	optimization	NOUN
fbem-3454	71	57	,	,	PUNCT
fbem-3454	71	58	marketing	marketing	NOUN
fbem-3454	71	59	and	and	CCONJ
fbem-3454	71	60	big	big	ADJ
fbem-3454	71	61	data	datum	NOUN
fbem-3454	71	62	to	to	PART
fbem-3454	71	63	provide	provide	VERB
fbem-3454	71	64	strong	strong	ADJ
fbem-3454	71	65	backup	backup	NOUN
fbem-3454	71	66	for	for	ADP
fbem-3454	71	67	products[3	products[3	PROPN
fbem-3454	71	68	]	]	X
fbem-3454	71	69	.	.	PUNCT
fbem-3454	72	1	for	for	ADP
fbem-3454	72	2	internet	internet	NOUN
fbem-3454	72	3	financial	financial	ADJ
fbem-3454	72	4	consumers	consumer	NOUN
fbem-3454	72	5	,	,	PUNCT
fbem-3454	72	6	scenarios	scenario	NOUN
fbem-3454	72	7	are	be	AUX
fbem-3454	72	8	used	use	VERB
fbem-3454	72	9	to	to	PART
fbem-3454	72	10	enhance	enhance	VERB
fbem-3454	72	11	the	the	DET
fbem-3454	72	12	breadth	breadth	NOUN
fbem-3454	72	13	and	and	CCONJ
fbem-3454	72	14	dimensionality	dimensionality	NOUN
fbem-3454	72	15	of	of	ADP
fbem-3454	72	16	data	data	NOUN
fbem-3454	72	17	acquisition	acquisition	NOUN
fbem-3454	72	18	,	,	PUNCT
fbem-3454	72	19	expand	expand	VERB
fbem-3454	72	20	unstructured	unstructured	ADJ
fbem-3454	72	21	data	datum	NOUN
fbem-3454	72	22	,	,	PUNCT
fbem-3454	72	23	such	such	ADJ
fbem-3454	72	24	as	as	ADP
fbem-3454	72	25	transaction	transaction	NOUN
fbem-3454	72	26	data	datum	NOUN
fbem-3454	72	27	,	,	PUNCT
fbem-3454	72	28	payment	payment	NOUN
fbem-3454	72	29	data	datum	NOUN
fbem-3454	72	30	,	,	PUNCT
fbem-3454	72	31	social	social	ADJ
fbem-3454	72	32	data	datum	NOUN
fbem-3454	72	33	,	,	PUNCT
fbem-3454	72	34	customer	customer	NOUN
fbem-3454	72	35	behavior	behavior	NOUN
fbem-3454	72	36	data	datum	NOUN
fbem-3454	72	37	,	,	PUNCT
fbem-3454	72	38	historical	historical	ADJ
fbem-3454	72	39	search	search	NOUN
fbem-3454	72	40	data	datum	NOUN
fbem-3454	72	41	,	,	PUNCT
fbem-3454	72	42	geographic	geographic	ADJ
fbem-3454	72	43	location	location	NOUN
fbem-3454	72	44	information	information	NOUN
fbem-3454	72	45	,	,	PUNCT
fbem-3454	72	46	etc	etc	X
fbem-3454	72	47	.	.	X
fbem-3454	72	48	,	,	PUNCT
fbem-3454	72	49	rely	rely	VERB
fbem-3454	72	50	on	on	ADP
fbem-3454	72	51	scenarios	scenario	NOUN
fbem-3454	72	52	to	to	PART
fbem-3454	72	53	improve	improve	VERB
fbem-3454	72	54	the	the	DET
fbem-3454	72	55	quality	quality	NOUN
fbem-3454	72	56	of	of	ADP
fbem-3454	72	57	data	datum	NOUN
fbem-3454	72	58	acquisition	acquisition	NOUN
fbem-3454	72	59	and	and	CCONJ
fbem-3454	72	60	enrich	enrich	VERB
fbem-3454	72	61	the	the	DET
fbem-3454	72	62	dimensionality	dimensionality	NOUN
fbem-3454	72	63	of	of	ADP
fbem-3454	72	64	product	product	NOUN
fbem-3454	72	65	evaluation	evaluation	NOUN
fbem-3454	72	66	.	.	PUNCT
fbem-3454	73	1	in	in	ADP
fbem-3454	73	2	product	product	NOUN
fbem-3454	73	3	design	design	NOUN
fbem-3454	73	4	,	,	PUNCT
fbem-3454	73	5	the	the	DET
fbem-3454	73	6	entire	entire	ADJ
fbem-3454	73	7	big	big	ADJ
fbem-3454	73	8	data	datum	NOUN
fbem-3454	73	9	industry	industry	NOUN
fbem-3454	73	10	chain	chain	NOUN
fbem-3454	73	11	is	be	AUX
fbem-3454	73	12	utilized	utilize	VERB
fbem-3454	73	13	to	to	PART
fbem-3454	73	14	track	track	VERB
fbem-3454	73	15	data	datum	NOUN
fbem-3454	73	16	based	base	VERB
fbem-3454	73	17	on	on	ADP
fbem-3454	73	18	customer	customer	NOUN
fbem-3454	73	19	consumption	consumption	NOUN
fbem-3454	73	20	,	,	PUNCT
fbem-3454	73	21	and	and	CCONJ
fbem-3454	73	22	the	the	DET
fbem-3454	73	23	scenarios	scenario	NOUN
fbem-3454	73	24	are	be	AUX
fbem-3454	73	25	mainly	mainly	ADV
fbem-3454	73	26	explored	explore	VERB
fbem-3454	73	27	by	by	ADP
fbem-3454	73	28	means	mean	NOUN
fbem-3454	73	29	of	of	ADP
fbem-3454	73	30	visual	visual	ADJ
fbem-3454	73	31	analysis	analysis	NOUN
fbem-3454	73	32	,	,	PUNCT
fbem-3454	73	33	predictive	predictive	ADJ
fbem-3454	73	34	analysis	analysis	NOUN
fbem-3454	73	35	and	and	CCONJ
fbem-3454	73	36	data	datum	NOUN
fbem-3454	73	37	mining	mining	NOUN
fbem-3454	73	38	algorithms	algorithm	NOUN
fbem-3454	73	39	using	use	VERB
fbem-3454	73	40	data	datum	NOUN
fbem-3454	73	41	,	,	PUNCT
fbem-3454	73	42	combining	combine	VERB
fbem-3454	73	43	advertising	advertising	NOUN
fbem-3454	73	44	optimization	optimization	NOUN
fbem-3454	73	45	,	,	PUNCT
fbem-3454	73	46	marketing	marketing	NOUN
fbem-3454	73	47	and	and	CCONJ
fbem-3454	73	48	big	big	ADJ
fbem-3454	73	49	data	datum	NOUN
fbem-3454	73	50	organically	organically	ADV
fbem-3454	73	51	.	.	PUNCT
fbem-3454	74	1	5.3	5.3	NUM
fbem-3454	74	2	.	.	PUNCT
fbem-3454	75	1	multi	multi	ADJ
fbem-3454	75	2	-	-	ADJ
fbem-3454	75	3	level	level	ADJ
fbem-3454	75	4	segmentation	segmentation	NOUN
fbem-3454	75	5	of	of	ADP
fbem-3454	75	6	scenario	scenario	NOUN
fbem-3454	75	7	business	business	NOUN
fbem-3454	75	8	to	to	PART
fbem-3454	75	9	enhance	enhance	VERB
fbem-3454	75	10	customer	customer	NOUN
fbem-3454	75	11	experience	experience	NOUN
fbem-3454	75	12	internet	internet	NOUN
fbem-3454	75	13	financial	financial	ADJ
fbem-3454	75	14	institutions	institution	NOUN
fbem-3454	75	15	need	need	VERB
fbem-3454	75	16	to	to	PART
fbem-3454	75	17	create	create	VERB
fbem-3454	75	18	characteristic	characteristic	ADJ
fbem-3454	75	19	financial	financial	ADJ
fbem-3454	75	20	scenarios	scenario	NOUN
fbem-3454	75	21	,	,	PUNCT
fbem-3454	75	22	establish	establish	VERB
fbem-3454	75	23	leading	leading	ADJ
fbem-3454	75	24	advantages	advantage	NOUN
fbem-3454	75	25	in	in	ADP
fbem-3454	75	26	segmentation	segmentation	NOUN
fbem-3454	75	27	areas	area	NOUN
fbem-3454	75	28	and	and	CCONJ
fbem-3454	75	29	constitute	constitute	VERB
fbem-3454	75	30	specific	specific	ADJ
fbem-3454	75	31	behavioral	behavioral	ADJ
fbem-3454	75	32	patterns	pattern	NOUN
fbem-3454	75	33	of	of	ADP
fbem-3454	75	34	customers	customer	NOUN
fbem-3454	75	35	if	if	SCONJ
fbem-3454	75	36	they	they	PRON
fbem-3454	75	37	want	want	VERB
fbem-3454	75	38	to	to	PART
fbem-3454	75	39	build	build	VERB
fbem-3454	75	40	the	the	DET
fbem-3454	75	41	platforms	platform	NOUN
fbem-3454	75	42	'	'	PART
fbem-3454	75	43	unique	unique	ADJ
fbem-3454	75	44	internet	internet	NOUN
fbem-3454	75	45	wealth	wealth	NOUN
fbem-3454	75	46	management	management	NOUN
fbem-3454	75	47	business	business	NOUN
fbem-3454	75	48	.	.	PUNCT
fbem-3454	76	1	at	at	ADP
fbem-3454	76	2	the	the	DET
fbem-3454	76	3	same	same	ADJ
fbem-3454	76	4	time	time	NOUN
fbem-3454	76	5	,	,	PUNCT
fbem-3454	76	6	through	through	ADP
fbem-3454	76	7	the	the	DET
fbem-3454	76	8	application	application	NOUN
fbem-3454	76	9	of	of	ADP
fbem-3454	76	10	multi	multi	ADJ
fbem-3454	76	11	-	-	ADJ
fbem-3454	76	12	technical	technical	ADJ
fbem-3454	76	13	means	mean	NOUN
fbem-3454	76	14	,	,	PUNCT
fbem-3454	76	15	they	they	PRON
fbem-3454	76	16	can	can	AUX
fbem-3454	76	17	find	find	VERB
fbem-3454	76	18	multi	multi	ADJ
fbem-3454	76	19	-	-	ADJ
fbem-3454	76	20	end	end	ADJ
fbem-3454	76	21	scenario	scenario	NOUN
fbem-3454	76	22	entrances	entrance	NOUN
fbem-3454	76	23	for	for	ADP
fbem-3454	76	24	users	user	NOUN
fbem-3454	76	25	,	,	PUNCT
fbem-3454	76	26	enhance	enhance	VERB
fbem-3454	76	27	the	the	DET
fbem-3454	76	28	platform	platform	NOUN
fbem-3454	76	29	's	's	PART
fbem-3454	76	30	ability	ability	NOUN
fbem-3454	76	31	to	to	PART
fbem-3454	76	32	obtain	obtain	VERB
fbem-3454	76	33	and	and	CCONJ
fbem-3454	76	34	attract	attract	VERB
fbem-3454	76	35	customers	customer	NOUN
fbem-3454	76	36	,	,	PUNCT
fbem-3454	76	37	stabilize	stabilize	VERB
fbem-3454	76	38	customer	customer	NOUN
fbem-3454	76	39	sources	source	NOUN
fbem-3454	76	40	and	and	CCONJ
fbem-3454	76	41	improve	improve	VERB
fbem-3454	76	42	customers	customer	NOUN
fbem-3454	76	43	'	'	PART
fbem-3454	76	44	reliance	reliance	NOUN
fbem-3454	76	45	on	on	ADP
fbem-3454	76	46	the	the	DET
fbem-3454	76	47	platform	platform	NOUN
fbem-3454	76	48	and	and	CCONJ
fbem-3454	76	49	enhance	enhance	VERB
fbem-3454	76	50	customer	customer	NOUN
fbem-3454	76	51	experience	experience	NOUN
fbem-3454	76	52	.	.	PUNCT
fbem-3454	77	1	scenario	scenario	NOUN
fbem-3454	77	2	-	-	PUNCT
fbem-3454	77	3	based	base	VERB
fbem-3454	77	4	platforms	platform	NOUN
fbem-3454	77	5	enhance	enhance	VERB
fbem-3454	77	6	the	the	DET
fbem-3454	77	7	net	net	ADJ
fbem-3454	77	8	worth	worth	NOUN
fbem-3454	77	9	of	of	ADP
fbem-3454	77	10	customers	customer	NOUN
fbem-3454	77	11	on	on	ADP
fbem-3454	77	12	the	the	DET
fbem-3454	77	13	platform	platform	NOUN
fbem-3454	77	14	through	through	ADP
fbem-3454	77	15	online	online	ADJ
fbem-3454	77	16	channels	channel	NOUN
fbem-3454	77	17	and	and	CCONJ
fbem-3454	77	18	functional	functional	ADJ
fbem-3454	77	19	advantages	advantage	NOUN
fbem-3454	77	20	.	.	PUNCT
fbem-3454	78	1	in	in	ADP
fbem-3454	78	2	the	the	DET
fbem-3454	78	3	era	era	NOUN
fbem-3454	78	4	of	of	ADP
fbem-3454	78	5	internet	internet	NOUN
fbem-3454	78	6	finance	finance	NOUN
fbem-3454	78	7	,	,	PUNCT
fbem-3454	78	8	scenariobased	scenariobase	VERB
fbem-3454	78	9	finance	finance	NOUN
fbem-3454	78	10	is	be	AUX
fbem-3454	78	11	characterized	characterize	VERB
fbem-3454	78	12	by	by	ADP
fbem-3454	78	13	"	"	PUNCT
fbem-3454	78	14	cross	cross	ADJ
fbem-3454	78	15	-	-	ADJ
fbem-3454	78	16	border	border	ADJ
fbem-3454	78	17	connectivity	connectivity	NOUN
fbem-3454	78	18	"	"	PUNCT
fbem-3454	78	19	[	[	X
fbem-3454	78	20	4	4	NUM
fbem-3454	78	21	]	]	PUNCT
fbem-3454	78	22	.	.	PUNCT
fbem-3454	79	1	the	the	DET
fbem-3454	79	2	layered	layered	ADJ
fbem-3454	79	3	structure	structure	NOUN
fbem-3454	79	4	of	of	ADP
fbem-3454	79	5	financial	financial	ADJ
fbem-3454	79	6	scenarios	scenario	NOUN
fbem-3454	79	7	affects	affect	VERB
fbem-3454	79	8	the	the	DET
fbem-3454	79	9	efficiency	efficiency	NOUN
fbem-3454	79	10	of	of	ADP
fbem-3454	79	11	services	service	NOUN
fbem-3454	79	12	and	and	CCONJ
fbem-3454	79	13	can	can	AUX
fbem-3454	79	14	be	be	AUX
fbem-3454	79	15	more	more	ADV
fbem-3454	79	16	clearly	clearly	ADV
fbem-3454	79	17	delineated	delineated	ADJ
fbem-3454	79	18	to	to	PART
fbem-3454	79	19	simplify	simplify	VERB
fbem-3454	79	20	the	the	DET
fbem-3454	79	21	complexity	complexity	NOUN
fbem-3454	79	22	of	of	ADP
fbem-3454	79	23	interactions	interaction	NOUN
fbem-3454	79	24	among	among	ADP
fbem-3454	79	25	levels	level	NOUN
fbem-3454	79	26	.	.	PUNCT
fbem-3454	80	1	at	at	ADP
fbem-3454	80	2	the	the	DET
fbem-3454	80	3	same	same	ADJ
fbem-3454	80	4	time	time	NOUN
fbem-3454	80	5	,	,	PUNCT
fbem-3454	80	6	internet	internet	NOUN
fbem-3454	80	7	financial	financial	ADJ
fbem-3454	80	8	institutions	institution	NOUN
fbem-3454	80	9	need	need	VERB
fbem-3454	80	10	to	to	PART
fbem-3454	80	11	shorten	shorten	VERB
fbem-3454	80	12	the	the	DET
fbem-3454	80	13	length	length	NOUN
fbem-3454	80	14	of	of	ADP
fbem-3454	80	15	channels	channel	NOUN
fbem-3454	80	16	and	and	CCONJ
fbem-3454	80	17	reduce	reduce	VERB
fbem-3454	80	18	the	the	DET
fbem-3454	80	19	number	number	NOUN
fbem-3454	80	20	of	of	ADP
fbem-3454	80	21	layers	layer	NOUN
fbem-3454	80	22	of	of	ADP
fbem-3454	80	23	channels	channel	NOUN
fbem-3454	80	24	,	,	PUNCT
fbem-3454	80	25	flattening	flatten	VERB
fbem-3454	80	26	the	the	DET
fbem-3454	80	27	channels	channel	NOUN
fbem-3454	80	28	involved	involve	VERB
fbem-3454	80	29	in	in	ADP
fbem-3454	80	30	their	their	PRON
fbem-3454	80	31	products	product	NOUN
fbem-3454	80	32	and	and	CCONJ
fbem-3454	80	33	establishing	establish	VERB
fbem-3454	80	34	information	information	NOUN
fbem-3454	80	35	interaction	interaction	NOUN
fbem-3454	80	36	channels	channel	NOUN
fbem-3454	80	37	between	between	ADP
fbem-3454	80	38	customers	customer	NOUN
fbem-3454	80	39	and	and	CCONJ
fbem-3454	80	40	developers	developer	NOUN
fbem-3454	80	41	on	on	ADP
fbem-3454	80	42	this	this	DET
fbem-3454	80	43	basis	basis	NOUN
fbem-3454	80	44	,	,	PUNCT
fbem-3454	80	45	so	so	SCONJ
fbem-3454	80	46	that	that	SCONJ
fbem-3454	80	47	they	they	PRON
fbem-3454	80	48	can	can	AUX
fbem-3454	80	49	obtain	obtain	VERB
fbem-3454	80	50	information	information	NOUN
fbem-3454	80	51	about	about	ADP
fbem-3454	80	52	consumers	consumer	NOUN
fbem-3454	80	53	more	more	ADV
fbem-3454	80	54	quickly	quickly	ADV
fbem-3454	80	55	,	,	PUNCT
fbem-3454	80	56	accurately	accurately	ADV
fbem-3454	80	57	and	and	CCONJ
fbem-3454	80	58	comprehensively	comprehensively	ADV
fbem-3454	80	59	,	,	PUNCT
fbem-3454	80	60	speed	speed	VERB
fbem-3454	80	61	up	up	ADP
fbem-3454	80	62	their	their	PRON
fbem-3454	80	63	response	response	NOUN
fbem-3454	80	64	to	to	ADP
fbem-3454	80	65	consumers	consumer	NOUN
fbem-3454	80	66	,	,	PUNCT
fbem-3454	80	67	reduce	reduce	VERB
fbem-3454	80	68	their	their	PRON
fbem-3454	80	69	reliance	reliance	NOUN
fbem-3454	80	70	on	on	ADP
fbem-3454	80	71	the	the	DET
fbem-3454	80	72	function	function	NOUN
fbem-3454	80	73	of	of	ADP
fbem-3454	80	74	collecting	collect	VERB
fbem-3454	80	75	information	information	NOUN
fbem-3454	80	76	through	through	ADP
fbem-3454	80	77	multi	multi	ADJ
fbem-3454	80	78	-	-	ADJ
fbem-3454	80	79	level	level	ADJ
fbem-3454	80	80	channels	channel	NOUN
fbem-3454	80	81	,	,	PUNCT
fbem-3454	80	82	as	as	ADV
fbem-3454	80	83	well	well	ADV
fbem-3454	80	84	as	as	ADP
fbem-3454	80	85	reduce	reduce	VERB
fbem-3454	80	86	the	the	DET
fbem-3454	80	87	time	time	NOUN
fbem-3454	80	88	cost	cost	NOUN
fbem-3454	80	89	of	of	ADP
fbem-3454	80	90	transactions	transaction	NOUN
fbem-3454	80	91	.	.	PUNCT
fbem-3454	81	1	facing	face	VERB
fbem-3454	81	2	customers	customer	NOUN
fbem-3454	81	3	'	'	PART
fbem-3454	81	4	wealth	wealth	NOUN
fbem-3454	81	5	management	management	NOUN
fbem-3454	81	6	needs	need	NOUN
fbem-3454	81	7	,	,	PUNCT
fbem-3454	81	8	internet	internet	NOUN
fbem-3454	81	9	financial	financial	ADJ
fbem-3454	81	10	platforms	platform	NOUN
fbem-3454	81	11	need	need	VERB
fbem-3454	81	12	to	to	PART
fbem-3454	81	13	explore	explore	VERB
fbem-3454	81	14	the	the	DET
fbem-3454	81	15	use	use	NOUN
fbem-3454	81	16	of	of	ADP
fbem-3454	81	17	access	access	NOUN
fbem-3454	81	18	segment	segment	NOUN
fbem-3454	81	19	ports	port	NOUN
fbem-3454	81	20	,	,	PUNCT
fbem-3454	81	21	gradually	gradually	ADV
fbem-3454	81	22	improve	improve	VERB
fbem-3454	81	23	the	the	DET
fbem-3454	81	24	design	design	NOUN
fbem-3454	81	25	of	of	ADP
fbem-3454	81	26	the	the	DET
fbem-3454	81	27	intervention	intervention	NOUN
fbem-3454	81	28	end	end	NOUN
fbem-3454	81	29	of	of	ADP
fbem-3454	81	30	their	their	PRON
fbem-3454	81	31	products	product	NOUN
fbem-3454	81	32	and	and	CCONJ
fbem-3454	81	33	implementation	implementation	NOUN
fbem-3454	81	34	to	to	PART
fbem-3454	81	35	highlight	highlight	VERB
fbem-3454	81	36	the	the	DET
fbem-3454	81	37	convenience	convenience	NOUN
fbem-3454	81	38	of	of	ADP
fbem-3454	81	39	scenario	scenario	NOUN
fbem-3454	81	40	-	-	PUNCT
fbem-3454	81	41	based	base	VERB
fbem-3454	81	42	finance	finance	NOUN
fbem-3454	81	43	.	.	PUNCT
fbem-3454	82	1	financial	financial	ADJ
fbem-3454	82	2	institutions	institution	NOUN
fbem-3454	82	3	deepen	deepen	VERB
fbem-3454	82	4	the	the	DET
fbem-3454	82	5	construction	construction	NOUN
fbem-3454	82	6	of	of	ADP
fbem-3454	82	7	offline	offline	ADJ
fbem-3454	82	8	entrances	entrance	NOUN
fbem-3454	82	9	,	,	PUNCT
fbem-3454	82	10	increase	increase	VERB
fbem-3454	82	11	the	the	DET
fbem-3454	82	12	research	research	NOUN
fbem-3454	82	13	&	&	CCONJ
fbem-3454	82	14	development	development	NOUN
fbem-3454	82	15	cost	cost	NOUN
fbem-3454	82	16	of	of	ADP
fbem-3454	82	17	hardware	hardware	NOUN
fbem-3454	82	18	entrances	entrance	NOUN
fbem-3454	82	19	,	,	PUNCT
fbem-3454	82	20	launch	launch	VERB
fbem-3454	82	21	new	new	ADJ
fbem-3454	82	22	products	product	NOUN
fbem-3454	82	23	such	such	ADJ
fbem-3454	82	24	as	as	ADP
fbem-3454	82	25	vr	vr	PROPN
fbem-3454	82	26	devices	device	NOUN
fbem-3454	82	27	and	and	CCONJ
fbem-3454	82	28	routers	router	NOUN
fbem-3454	82	29	,	,	PUNCT
fbem-3454	82	30	and	and	CCONJ
fbem-3454	82	31	strengthen	strengthen	VERB
fbem-3454	82	32	the	the	DET
fbem-3454	82	33	full	full	ADJ
fbem-3454	82	34	use	use	NOUN
fbem-3454	82	35	of	of	ADP
fbem-3454	82	36	the	the	DET
fbem-3454	82	37	qr	qr	PROPN
fbem-3454	82	38	codes	code	VERB
fbem-3454	82	39	sweeping	sweeping	ADJ
fbem-3454	82	40	function	function	NOUN
fbem-3454	82	41	as	as	ADP
fbem-3454	82	42	entrances	entrance	NOUN
fbem-3454	82	43	to	to	ADP
fbem-3454	82	44	the	the	DET
fbem-3454	82	45	intervention	intervention	NOUN
fbem-3454	82	46	end	end	NOUN
fbem-3454	82	47	.	.	PUNCT
fbem-3454	83	1	whether	whether	SCONJ
fbem-3454	83	2	it	it	PRON
fbem-3454	83	3	is	be	AUX
fbem-3454	83	4	the	the	DET
fbem-3454	83	5	creation	creation	NOUN
fbem-3454	83	6	of	of	ADP
fbem-3454	83	7	traditional	traditional	ADJ
fbem-3454	83	8	online	online	ADJ
fbem-3454	83	9	entrances	entrance	NOUN
fbem-3454	83	10	and	and	CCONJ
fbem-3454	83	11	software	software	NOUN
fbem-3454	83	12	entrances	entrance	NOUN
fbem-3454	83	13	,	,	PUNCT
fbem-3454	83	14	or	or	CCONJ
fbem-3454	83	15	the	the	DET
fbem-3454	83	16	innovation	innovation	NOUN
fbem-3454	83	17	of	of	ADP
fbem-3454	83	18	offline	offline	ADJ
fbem-3454	83	19	entrances	entrance	NOUN
fbem-3454	83	20	and	and	CCONJ
fbem-3454	83	21	hardware	hardware	NOUN
fbem-3454	83	22	entrances	entrance	NOUN
fbem-3454	83	23	,	,	PUNCT
fbem-3454	83	24	internet	internet	NOUN
fbem-3454	83	25	companies	company	NOUN
fbem-3454	83	26	are	be	AUX
fbem-3454	83	27	trying	try	VERB
fbem-3454	83	28	to	to	PART
fbem-3454	83	29	enhance	enhance	VERB
fbem-3454	83	30	the	the	DET
fbem-3454	83	31	stickiness	stickiness	NOUN
fbem-3454	83	32	of	of	ADP
fbem-3454	83	33	application	application	NOUN
fbem-3454	83	34	scenarios	scenario	NOUN
fbem-3454	83	35	and	and	CCONJ
fbem-3454	83	36	meet	meet	VERB
fbem-3454	83	37	customer	customer	NOUN
fbem-3454	83	38	experience	experience	NOUN
fbem-3454	83	39	needs	need	NOUN
fbem-3454	83	40	by	by	ADP
fbem-3454	83	41	strengthening	strengthen	VERB
fbem-3454	83	42	more	more	ADV
fbem-3454	83	43	basic	basic	ADJ
fbem-3454	83	44	and	and	CCONJ
fbem-3454	83	45	deeper	deep	ADJ
fbem-3454	83	46	customer	customer	NOUN
fbem-3454	83	47	entrances	entrance	NOUN
fbem-3454	83	48	.	.	PUNCT
fbem-3454	84	1	acknowledgment	acknowledgment	NOUN
fbem-3454	84	2	this	this	DET
fbem-3454	84	3	work	work	NOUN
fbem-3454	84	4	was	be	AUX
fbem-3454	84	5	supported	support	VERB
fbem-3454	84	6	in	in	ADP
fbem-3454	84	7	part	part	NOUN
fbem-3454	84	8	by	by	ADP
fbem-3454	84	9	a	a	DET
fbem-3454	84	10	grant	grant	NOUN
fbem-3454	84	11	from	from	ADP
fbem-3454	84	12	research	research	NOUN
fbem-3454	84	13	on	on	ADP
fbem-3454	84	14	college	college	NOUN
fbem-3454	84	15	students	student	NOUN
fbem-3454	84	16	'	'	PART
fbem-3454	84	17	investment	investment	NOUN
fbem-3454	84	18	behavior	behavior	NOUN
fbem-3454	84	19	ability	ability	NOUN
fbem-3454	84	20	and	and	CCONJ
fbem-3454	84	21	countermeasures	countermeasure	NOUN
fbem-3454	84	22	based	base	VERB
fbem-3454	84	23	on	on	ADP
fbem-3454	84	24	internet	internet	NOUN
fbem-3454	84	25	application	application	NOUN
fbem-3454	84	26	(	(	PUNCT
fbem-3454	84	27	project	project	NOUN
fbem-3454	84	28	no	no	NOUN
fbem-3454	84	29	.	.	PUNCT
fbem-3454	85	1	2018xjyb019	2018xjyb019	NUM
fbem-3454	85	2	)	)	PUNCT
fbem-3454	85	3	.	.	PUNCT
fbem-3454	86	1	references	reference	NOUN
fbem-3454	86	2	[	[	X
fbem-3454	86	3	1	1	NUM
fbem-3454	86	4	]	]	PUNCT
fbem-3454	86	5	jiang	jiang	PROPN
fbem-3454	86	6	shiji	shiji	PROPN
fbem-3454	86	7	.	.	PUNCT
fbem-3454	87	1	exploration	exploration	NOUN
fbem-3454	87	2	of	of	ADP
fbem-3454	87	3	the	the	DET
fbem-3454	87	4	construction	construction	NOUN
fbem-3454	87	5	and	and	CCONJ
fbem-3454	87	6	ecological	ecological	ADJ
fbem-3454	87	7	construction	construction	NOUN
fbem-3454	87	8	path	path	NOUN
fbem-3454	87	9	of	of	ADP
fbem-3454	87	10	commercial	commercial	ADJ
fbem-3454	87	11	banks	bank	NOUN
fbem-3454	87	12	'	'	PART
fbem-3454	87	13	scenario	scenario	NOUN
fbem-3454	87	14	-	-	PUNCT
fbem-3454	87	15	based	base	VERB
fbem-3454	87	16	finance	finance	NOUN
fbem-3454	87	17	.	.	PUNCT
fbem-3454	88	1	international	international	ADJ
fbem-3454	88	2	finance	finance	NOUN
fbem-3454	88	3	,	,	PUNCT
fbem-3454	88	4	2021	2021	NUM
fbem-3454	88	5	,	,	PUNCT
fbem-3454	88	6	(	(	PUNCT
fbem-3454	88	7	12	12	NUM
fbem-3454	88	8	)	)	PUNCT
fbem-3454	88	9	,	,	PUNCT
fbem-3454	88	10	pp.39	pp.39	NOUN
fbem-3454	88	11	-	-	PUNCT
fbem-3454	88	12	45	45	NUM
fbem-3454	88	13	.	.	PUNCT
fbem-3454	89	1	[	[	X
fbem-3454	89	2	2	2	X
fbem-3454	89	3	]	]	X
fbem-3454	89	4	liu	liu	PROPN
fbem-3454	89	5	qigang	qigang	PROPN
fbem-3454	89	6	,	,	PUNCT
fbem-3454	89	7	tang	tang	PROPN
fbem-3454	89	8	zizhuo	zizhuo	PROPN
fbem-3454	89	9	,	,	PUNCT
fbem-3454	89	10	wu	wu	PROPN
fbem-3454	89	11	chengao	chengao	NOUN
fbem-3454	89	12	,	,	PUNCT
fbem-3454	89	13	tang	tang	PROPN
fbem-3454	89	14	xiaofeng	xiaofeng	PROPN
fbem-3454	89	15	.	.	PUNCT
fbem-3454	90	1	analysis	analysis	NOUN
fbem-3454	90	2	of	of	ADP
fbem-3454	90	3	problems	problem	NOUN
fbem-3454	90	4	and	and	CCONJ
fbem-3454	90	5	countermeasures	countermeasure	NOUN
fbem-3454	90	6	in	in	ADP
fbem-3454	90	7	the	the	DET
fbem-3454	90	8	development	development	NOUN
fbem-3454	90	9	168	168	NUM
fbem-3454	90	10	of	of	ADP
fbem-3454	90	11	internet	internet	NOUN
fbem-3454	90	12	consumer	consumer	NOUN
fbem-3454	90	13	finance	finance	NOUN
fbem-3454	90	14	.	.	PUNCT
fbem-3454	91	1	china	china	PROPN
fbem-3454	91	2	journal	journal	PROPN
fbem-3454	91	3	of	of	ADP
fbem-3454	91	4	commerce	commerce	PROPN
fbem-3454	91	5	,	,	PUNCT
fbem-3454	91	6	2021	2021	NUM
fbem-3454	91	7	,	,	PUNCT
fbem-3454	91	8	(	(	PUNCT
fbem-3454	91	9	11	11	NUM
fbem-3454	91	10	)	)	PUNCT
fbem-3454	91	11	,	,	PUNCT
fbem-3454	91	12	pp.71	pp.71	NOUN
fbem-3454	91	13	-	-	PUNCT
fbem-3454	91	14	73	73	NUM
fbem-3454	91	15	.	.	PUNCT
fbem-3454	92	1	[	[	X
fbem-3454	92	2	3	3	X
fbem-3454	92	3	]	]	X
fbem-3454	92	4	ren	ren	NOUN
fbem-3454	92	5	xiaorui	xiaorui	PROPN
fbem-3454	92	6	.	.	PUNCT
fbem-3454	93	1	an	an	DET
fbem-3454	93	2	introduction	introduction	NOUN
fbem-3454	93	3	to	to	ADP
fbem-3454	93	4	the	the	DET
fbem-3454	93	5	future	future	ADJ
fbem-3454	93	6	development	development	NOUN
fbem-3454	93	7	direction	direction	NOUN
fbem-3454	93	8	of	of	ADP
fbem-3454	93	9	the	the	DET
fbem-3454	93	10	financial	financial	ADJ
fbem-3454	93	11	industry	industry	NOUN
fbem-3454	93	12	in	in	ADP
fbem-3454	93	13	the	the	DET
fbem-3454	93	14	era	era	NOUN
fbem-3454	93	15	of	of	ADP
fbem-3454	93	16	big	big	ADJ
fbem-3454	93	17	data	datum	NOUN
fbem-3454	93	18	.	.	PUNCT
fbem-3454	94	1	modern	modern	ADJ
fbem-3454	94	2	business	business	NOUN
fbem-3454	94	3	,	,	PUNCT
fbem-3454	94	4	2019	2019	NUM
fbem-3454	94	5	,	,	PUNCT
fbem-3454	94	6	(	(	PUNCT
fbem-3454	94	7	16	16	NUM
fbem-3454	94	8	)	)	PUNCT
fbem-3454	94	9	,	,	PUNCT
fbem-3454	94	10	pp.105	pp.105	PROPN
fbem-3454	94	11	-	-	PUNCT
fbem-3454	94	12	107	107	NUM
fbem-3454	94	13	.	.	PUNCT
fbem-3454	95	1	[	[	X
fbem-3454	95	2	4	4	NUM
fbem-3454	95	3	]	]	X
fbem-3454	95	4	zhou	zhou	PROPN
fbem-3454	95	5	yuxiang	yuxiang	PROPN
fbem-3454	95	6	.	.	PUNCT
fbem-3454	96	1	research	research	NOUN
fbem-3454	96	2	on	on	ADP
fbem-3454	96	3	the	the	DET
fbem-3454	96	4	investment	investment	NOUN
fbem-3454	96	5	approaches	approach	NOUN
fbem-3454	96	6	of	of	ADP
fbem-3454	96	7	small	small	ADJ
fbem-3454	96	8	investors	investor	NOUN
fbem-3454	96	9	in	in	ADP
fbem-3454	96	10	the	the	DET
fbem-3454	96	11	context	context	NOUN
fbem-3454	96	12	of	of	ADP
fbem-3454	96	13	internet	internet	NOUN
fbem-3454	96	14	finance	finance	NOUN
fbem-3454	96	15	.	.	PUNCT
fbem-3454	97	1	modern	modern	ADJ
fbem-3454	97	2	business	business	NOUN
fbem-3454	97	3	,	,	PUNCT
fbem-3454	97	4	2017	2017	NUM
fbem-3454	97	5	,	,	PUNCT
fbem-3454	97	6	(	(	PUNCT
fbem-3454	97	7	25	25	NUM
fbem-3454	97	8	)	)	PUNCT
fbem-3454	97	9	,	,	PUNCT
fbem-3454	97	10	pp.20	pp.20	PROPN
fbem-3454	97	11	-	-	SYM
fbem-3454	97	12	21	21	NUM
fbem-3454	97	13	.	.	PUNCT