id	sid	tid	token	lemma	pos
fbem-3631	1	1	frontiers	frontier	NOUN
fbem-3631	1	2	in	in	ADP
fbem-3631	1	3	business	business	NOUN
fbem-3631	1	4	,	,	PUNCT
fbem-3631	1	5	economics	economic	NOUN
fbem-3631	1	6	and	and	CCONJ
fbem-3631	1	7	management	management	NOUN
fbem-3631	1	8	issn	issn	PROPN
fbem-3631	1	9	:	:	PUNCT
fbem-3631	1	10	2766	2766	NUM
fbem-3631	1	11	-	-	PUNCT
fbem-3631	1	12	824x	824x	NUM
fbem-3631	1	13	|	|	ADJ
fbem-3631	1	14	vol	vol	NOUN
fbem-3631	1	15	.	.	PROPN
fbem-3631	2	1	6	6	NUM
fbem-3631	2	2	,	,	PUNCT
fbem-3631	2	3	no	no	INTJ
fbem-3631	2	4	.	.	NOUN
fbem-3631	2	5	3	3	NUM
fbem-3631	2	6	,	,	PUNCT
fbem-3631	2	7	2022	2022	NUM
fbem-3631	2	8	253	253	NUM
fbem-3631	2	9	understanding	understanding	NOUN
fbem-3631	2	10	fintech	fintech	NOUN
fbem-3631	2	11	and	and	CCONJ
fbem-3631	2	12	traditional	traditional	ADJ
fbem-3631	2	13	financial	financial	ADJ
fbem-3631	2	14	industries	industry	NOUN
fbem-3631	2	15	'	'	PART
fbem-3631	2	16	choices	choice	NOUN
fbem-3631	2	17	jianhao	jianhao	PROPN
fbem-3631	2	18	wang	wang	PROPN
fbem-3631	2	19	the	the	DET
fbem-3631	2	20	university	university	PROPN
fbem-3631	2	21	of	of	ADP
fbem-3631	2	22	queensland	queensland	PROPN
fbem-3631	2	23	,	,	PUNCT
fbem-3631	2	24	brisbane	brisbane	PROPN
fbem-3631	2	25	qld	qld	PROPN
fbem-3631	2	26	4072	4072	PROPN
fbem-3631	2	27	,	,	PUNCT
fbem-3631	2	28	australia	australia	PROPN
fbem-3631	2	29	abstract	abstract	NOUN
fbem-3631	2	30	:	:	PUNCT
fbem-3631	2	31	with	with	ADP
fbem-3631	2	32	the	the	DET
fbem-3631	2	33	development	development	NOUN
fbem-3631	2	34	of	of	ADP
fbem-3631	2	35	technology	technology	NOUN
fbem-3631	2	36	,	,	PUNCT
fbem-3631	2	37	fintech	fintech	NOUN
fbem-3631	2	38	has	have	AUX
fbem-3631	2	39	changed	change	VERB
fbem-3631	2	40	people	people	NOUN
fbem-3631	2	41	's	's	PART
fbem-3631	2	42	lives	life	NOUN
fbem-3631	2	43	and	and	CCONJ
fbem-3631	2	44	challenged	challenge	VERB
fbem-3631	2	45	the	the	DET
fbem-3631	2	46	traditional	traditional	ADJ
fbem-3631	2	47	financial	financial	ADJ
fbem-3631	2	48	industry	industry	NOUN
fbem-3631	2	49	.	.	PUNCT
fbem-3631	3	1	facing	face	VERB
fbem-3631	3	2	the	the	DET
fbem-3631	3	3	increasingly	increasingly	ADV
fbem-3631	3	4	mature	mature	ADJ
fbem-3631	3	5	fintech	fintech	NOUN
fbem-3631	3	6	environment	environment	NOUN
fbem-3631	3	7	,	,	PUNCT
fbem-3631	3	8	the	the	DET
fbem-3631	3	9	traditional	traditional	ADJ
fbem-3631	3	10	financial	financial	ADJ
fbem-3631	3	11	industry	industry	NOUN
fbem-3631	3	12	must	must	AUX
fbem-3631	3	13	make	make	VERB
fbem-3631	3	14	changes	change	NOUN
fbem-3631	3	15	when	when	SCONJ
fbem-3631	3	16	facing	face	VERB
fbem-3631	3	17	declining	decline	VERB
fbem-3631	3	18	market	market	NOUN
fbem-3631	3	19	share	share	NOUN
fbem-3631	3	20	.	.	PUNCT
fbem-3631	4	1	this	this	DET
fbem-3631	4	2	article	article	NOUN
fbem-3631	4	3	will	will	AUX
fbem-3631	4	4	explain	explain	VERB
fbem-3631	4	5	fintech	fintech	NOUN
fbem-3631	4	6	in	in	ADP
fbem-3631	4	7	detail	detail	NOUN
fbem-3631	4	8	by	by	ADP
fbem-3631	4	9	discussing	discuss	VERB
fbem-3631	4	10	the	the	DET
fbem-3631	4	11	definition	definition	NOUN
fbem-3631	4	12	of	of	ADP
fbem-3631	4	13	fintech	fintech	NOUN
fbem-3631	4	14	,	,	PUNCT
fbem-3631	4	15	how	how	SCONJ
fbem-3631	4	16	it	it	PRON
fbem-3631	4	17	evolves	evolve	VERB
fbem-3631	4	18	,	,	PUNCT
fbem-3631	4	19	who	who	PRON
fbem-3631	4	20	are	be	AUX
fbem-3631	4	21	its	its	PRON
fbem-3631	4	22	leading	lead	VERB
fbem-3631	4	23	participants	participant	NOUN
fbem-3631	4	24	,	,	PUNCT
fbem-3631	4	25	and	and	CCONJ
fbem-3631	4	26	its	its	PRON
fbem-3631	4	27	formation	formation	NOUN
fbem-3631	4	28	conditions	condition	NOUN
fbem-3631	4	29	and	and	CCONJ
fbem-3631	4	30	put	put	VERB
fbem-3631	4	31	forward	forward	ADV
fbem-3631	4	32	the	the	DET
fbem-3631	4	33	followings	following	NOUN
fbem-3631	4	34	suggestions	suggestion	NOUN
fbem-3631	4	35	for	for	ADP
fbem-3631	4	36	the	the	DET
fbem-3631	4	37	current	current	ADJ
fbem-3631	4	38	situation	situation	NOUN
fbem-3631	4	39	of	of	ADP
fbem-3631	4	40	the	the	DET
fbem-3631	4	41	traditional	traditional	ADJ
fbem-3631	4	42	financial	financial	ADJ
fbem-3631	4	43	industry	industry	NOUN
fbem-3631	4	44	:	:	PUNCT
fbem-3631	4	45	do	do	VERB
fbem-3631	4	46	nothing	nothing	PRON
fbem-3631	4	47	,	,	PUNCT
fbem-3631	4	48	acquire	acquire	VERB
fbem-3631	4	49	a	a	DET
fbem-3631	4	50	fintech	fintech	NOUN
fbem-3631	4	51	firm	firm	NOUN
fbem-3631	4	52	,	,	PUNCT
fbem-3631	4	53	reform	reform	NOUN
fbem-3631	4	54	to	to	PART
fbem-3631	4	55	become	become	VERB
fbem-3631	4	56	a	a	DET
fbem-3631	4	57	fintech	fintech	NOUN
fbem-3631	4	58	firm	firm	NOUN
fbem-3631	4	59	or	or	CCONJ
fbem-3631	4	60	cooperate	cooperate	VERB
fbem-3631	4	61	with	with	ADP
fbem-3631	4	62	the	the	DET
fbem-3631	4	63	fintech	fintech	NOUN
fbem-3631	4	64	firm	firm	NOUN
fbem-3631	4	65	,	,	PUNCT
fbem-3631	4	66	as	as	ADV
fbem-3631	4	67	well	well	ADV
fbem-3631	4	68	as	as	ADP
fbem-3631	4	69	the	the	DET
fbem-3631	4	70	advantages	advantage	NOUN
fbem-3631	4	71	and	and	CCONJ
fbem-3631	4	72	disadvantages	disadvantage	NOUN
fbem-3631	4	73	of	of	ADP
fbem-3631	4	74	these	these	DET
fbem-3631	4	75	choices	choice	NOUN
fbem-3631	4	76	and	and	CCONJ
fbem-3631	4	77	make	make	VERB
fbem-3631	4	78	a	a	DET
fbem-3631	4	79	conclusion	conclusion	NOUN
fbem-3631	4	80	.	.	PUNCT
fbem-3631	5	1	1	1	X
fbem-3631	5	2	.	.	X
fbem-3631	5	3	understanding	understand	VERB
fbem-3631	5	4	fintech	fintech	NOUN
fbem-3631	5	5	1.1	1.1	NUM
fbem-3631	5	6	.	.	PUNCT
fbem-3631	6	1	definition	definition	NOUN
fbem-3631	6	2	as	as	SCONJ
fbem-3631	6	3	the	the	DET
fbem-3631	6	4	name	name	NOUN
fbem-3631	6	5	suggests	suggest	VERB
fbem-3631	6	6	,	,	PUNCT
fbem-3631	6	7	fintech	fintech	NOUN
fbem-3631	6	8	is	be	AUX
fbem-3631	6	9	a	a	DET
fbem-3631	6	10	connection	connection	NOUN
fbem-3631	6	11	between	between	ADP
fbem-3631	6	12	finance	finance	NOUN
fbem-3631	6	13	and	and	CCONJ
fbem-3631	6	14	technology	technology	NOUN
fbem-3631	6	15	.	.	PUNCT
fbem-3631	7	1	fintech	fintech	NOUN
fbem-3631	7	2	mainly	mainly	ADV
fbem-3631	7	3	refers	refer	VERB
fbem-3631	7	4	to	to	ADP
fbem-3631	7	5	those	those	DET
fbem-3631	7	6	high	high	ADJ
fbem-3631	7	7	and	and	CCONJ
fbem-3631	7	8	new	new	ADJ
fbem-3631	7	9	technologies	technology	NOUN
fbem-3631	7	10	that	that	PRON
fbem-3631	7	11	can	can	AUX
fbem-3631	7	12	replace	replace	VERB
fbem-3631	7	13	and	and	CCONJ
fbem-3631	7	14	serve	serve	VERB
fbem-3631	7	15	traditional	traditional	ADJ
fbem-3631	7	16	financial	financial	ADJ
fbem-3631	7	17	methods	method	NOUN
fbem-3631	7	18	(	(	PUNCT
fbem-3631	7	19	hill	hill	NOUN
fbem-3631	7	20	,	,	PUNCT
fbem-3631	7	21	2018	2018	NUM
fbem-3631	7	22	)	)	PUNCT
fbem-3631	7	23	.	.	PUNCT
fbem-3631	8	1	this	this	DET
fbem-3631	8	2	vast	vast	ADJ
fbem-3631	8	3	concept	concept	NOUN
fbem-3631	8	4	includes	include	VERB
fbem-3631	8	5	technologies	technology	NOUN
fbem-3631	8	6	related	relate	VERB
fbem-3631	8	7	to	to	ADP
fbem-3631	8	8	financial	financial	ADJ
fbem-3631	8	9	services	service	NOUN
fbem-3631	8	10	,	,	PUNCT
fbem-3631	8	11	such	such	ADJ
fbem-3631	8	12	as	as	ADP
fbem-3631	8	13	internet	internet	NOUN
fbem-3631	8	14	finance	finance	NOUN
fbem-3631	8	15	.	.	PUNCT
fbem-3631	9	1	mobile	mobile	ADJ
fbem-3631	9	2	payment	payment	NOUN
fbem-3631	9	3	,	,	PUNCT
fbem-3631	9	4	online	online	ADJ
fbem-3631	9	5	shopping	shopping	NOUN
fbem-3631	9	6	,	,	PUNCT
fbem-3631	9	7	and	and	CCONJ
fbem-3631	9	8	online	online	ADJ
fbem-3631	9	9	loan	loan	NOUN
fbem-3631	9	10	approval	approval	NOUN
fbem-3631	9	11	are	be	AUX
fbem-3631	9	12	all	all	PRON
fbem-3631	9	13	tributaries	tributary	NOUN
fbem-3631	9	14	of	of	ADP
fbem-3631	9	15	fintech	fintech	NOUN
fbem-3631	9	16	,	,	PUNCT
fbem-3631	9	17	which	which	PRON
fbem-3631	9	18	integrate	integrate	VERB
fbem-3631	9	19	many	many	ADJ
fbem-3631	9	20	diversified	diversified	ADJ
fbem-3631	9	21	technology	technology	NOUN
fbem-3631	9	22	factors	factor	NOUN
fbem-3631	9	23	in	in	ADP
fbem-3631	9	24	the	the	DET
fbem-3631	9	25	financial	financial	ADJ
fbem-3631	9	26	system	system	NOUN
fbem-3631	9	27	,	,	PUNCT
fbem-3631	9	28	such	such	ADJ
fbem-3631	9	29	as	as	ADP
fbem-3631	9	30	using	use	VERB
fbem-3631	9	31	technology	technology	NOUN
fbem-3631	9	32	in	in	ADP
fbem-3631	9	33	mobile	mobile	ADJ
fbem-3631	9	34	payment	payment	NOUN
fbem-3631	9	35	to	to	PART
fbem-3631	9	36	control	control	VERB
fbem-3631	9	37	financial	financial	ADJ
fbem-3631	9	38	risks	risk	NOUN
fbem-3631	9	39	or	or	CCONJ
fbem-3631	9	40	provide	provide	VERB
fbem-3631	9	41	big	big	ADJ
fbem-3631	9	42	data	datum	NOUN
fbem-3631	9	43	for	for	ADP
fbem-3631	9	44	some	some	DET
fbem-3631	9	45	financial	financial	ADJ
fbem-3631	9	46	services	service	NOUN
fbem-3631	9	47	.	.	PUNCT
fbem-3631	10	1	therefore	therefore	ADV
fbem-3631	10	2	,	,	PUNCT
fbem-3631	10	3	fintech	fintech	NOUN
fbem-3631	10	4	includes	include	VERB
fbem-3631	10	5	these	these	DET
fbem-3631	10	6	more	more	ADV
fbem-3631	10	7	advanced	advanced	ADJ
fbem-3631	10	8	technologies	technology	NOUN
fbem-3631	10	9	rather	rather	ADV
fbem-3631	10	10	than	than	ADP
fbem-3631	10	11	simple	simple	ADJ
fbem-3631	10	12	business	business	NOUN
fbem-3631	10	13	models	model	NOUN
fbem-3631	10	14	.	.	PUNCT
fbem-3631	11	1	1.2	1.2	NUM
fbem-3631	11	2	.	.	PUNCT
fbem-3631	11	3	growth	growth	NOUN
fbem-3631	11	4	in	in	ADP
fbem-3631	11	5	1998	1998	NUM
fbem-3631	11	6	,	,	PUNCT
fbem-3631	11	7	paypal	paypal	PROPN
fbem-3631	11	8	,	,	PUNCT
fbem-3631	11	9	the	the	DET
fbem-3631	11	10	first	first	ADJ
fbem-3631	11	11	financial	financial	ADJ
fbem-3631	11	12	technology	technology	NOUN
fbem-3631	11	13	company	company	NOUN
fbem-3631	11	14	,	,	PUNCT
fbem-3631	11	15	was	be	AUX
fbem-3631	11	16	born	bear	VERB
fbem-3631	11	17	,	,	PUNCT
fbem-3631	11	18	which	which	PRON
fbem-3631	11	19	marked	mark	VERB
fbem-3631	11	20	a	a	DET
fbem-3631	11	21	change	change	NOUN
fbem-3631	11	22	in	in	ADP
fbem-3631	11	23	the	the	DET
fbem-3631	11	24	traditional	traditional	ADJ
fbem-3631	11	25	financial	financial	ADJ
fbem-3631	11	26	industry	industry	NOUN
fbem-3631	11	27	and	and	CCONJ
fbem-3631	11	28	laid	lay	VERB
fbem-3631	11	29	the	the	DET
fbem-3631	11	30	foundation	foundation	NOUN
fbem-3631	11	31	for	for	ADP
fbem-3631	11	32	technology	technology	NOUN
fbem-3631	11	33	to	to	PART
fbem-3631	11	34	change	change	VERB
fbem-3631	11	35	the	the	DET
fbem-3631	11	36	financial	financial	ADJ
fbem-3631	11	37	industry	industry	NOUN
fbem-3631	11	38	.	.	PUNCT
fbem-3631	12	1	the	the	DET
fbem-3631	12	2	first	first	ADJ
fbem-3631	12	3	significant	significant	ADJ
fbem-3631	12	4	wave	wave	NOUN
fbem-3631	12	5	of	of	ADP
fbem-3631	12	6	fintech	fintech	NOUN
fbem-3631	12	7	began	begin	VERB
fbem-3631	12	8	in	in	ADP
fbem-3631	12	9	2005	2005	NUM
fbem-3631	12	10	.	.	PUNCT
fbem-3631	13	1	with	with	ADP
fbem-3631	13	2	the	the	DET
fbem-3631	13	3	establishment	establishment	NOUN
fbem-3631	13	4	of	of	ADP
fbem-3631	13	5	textpayme	textpayme	NOUN
fbem-3631	13	6	company	company	NOUN
fbem-3631	13	7	and	and	CCONJ
fbem-3631	13	8	the	the	DET
fbem-3631	13	9	development	development	NOUN
fbem-3631	13	10	of	of	ADP
fbem-3631	13	11	mobile	mobile	ADJ
fbem-3631	13	12	technology	technology	NOUN
fbem-3631	13	13	,	,	PUNCT
fbem-3631	13	14	fintech	fintech	NOUN
fbem-3631	13	15	is	be	AUX
fbem-3631	13	16	becoming	become	VERB
fbem-3631	13	17	more	more	ADV
fbem-3631	13	18	and	and	CCONJ
fbem-3631	13	19	more	more	ADV
fbem-3631	13	20	mature	mature	ADJ
fbem-3631	13	21	.	.	PUNCT
fbem-3631	14	1	over	over	ADP
fbem-3631	14	2	the	the	DET
fbem-3631	14	3	years	year	NOUN
fbem-3631	14	4	,	,	PUNCT
fbem-3631	14	5	many	many	ADJ
fbem-3631	14	6	fintech	fintech	NOUN
fbem-3631	14	7	companies	company	NOUN
fbem-3631	14	8	have	have	AUX
fbem-3631	14	9	sprung	spring	VERB
fbem-3631	14	10	up	up	ADP
fbem-3631	14	11	,	,	PUNCT
fbem-3631	14	12	and	and	CCONJ
fbem-3631	14	13	the	the	DET
fbem-3631	14	14	market	market	NOUN
fbem-3631	14	15	value	value	NOUN
fbem-3631	14	16	is	be	AUX
fbem-3631	14	17	also	also	ADV
fbem-3631	14	18	increasing	increase	VERB
fbem-3631	14	19	.	.	PUNCT
fbem-3631	15	1	more	more	ADJ
fbem-3631	15	2	and	and	CCONJ
fbem-3631	15	3	more	more	ADV
fbem-3631	15	4	big	big	ADJ
fbem-3631	15	5	companies	company	NOUN
fbem-3631	15	6	have	have	AUX
fbem-3631	15	7	begun	begin	VERB
fbem-3631	15	8	to	to	PART
fbem-3631	15	9	face	face	VERB
fbem-3631	15	10	up	up	ADP
fbem-3631	15	11	to	to	ADP
fbem-3631	15	12	it	it	PRON
fbem-3631	15	13	.	.	PUNCT
fbem-3631	16	1	goldman	goldman	PROPN
fbem-3631	16	2	is	be	AUX
fbem-3631	16	3	starting	start	VERB
fbem-3631	16	4	an	an	DET
fbem-3631	16	5	online	online	ADJ
fbem-3631	16	6	loan	loan	NOUN
fbem-3631	16	7	business	business	NOUN
fbem-3631	16	8	,	,	PUNCT
fbem-3631	16	9	and	and	CCONJ
fbem-3631	16	10	citigroup	citigroup	NOUN
fbem-3631	16	11	also	also	ADV
fbem-3631	16	12	puts	put	VERB
fbem-3631	16	13	itself	itself	PRON
fbem-3631	16	14	in	in	ADP
fbem-3631	16	15	the	the	DET
fbem-3631	16	16	frontier	frontier	NOUN
fbem-3631	16	17	of	of	ADP
fbem-3631	16	18	fintech	fintech	NOUN
fbem-3631	16	19	.	.	PUNCT
fbem-3631	17	1	the	the	DET
fbem-3631	17	2	financial	financial	ADJ
fbem-3631	17	3	services	service	NOUN
fbem-3631	17	4	industry	industry	NOUN
fbem-3631	17	5	has	have	AUX
fbem-3631	17	6	become	become	VERB
fbem-3631	17	7	the	the	DET
fbem-3631	17	8	second	second	ADV
fbem-3631	17	9	-	-	PUNCT
fbem-3631	17	10	largest	large	ADJ
fbem-3631	17	11	subversive	subversive	ADJ
fbem-3631	17	12	industry	industry	NOUN
fbem-3631	17	13	after	after	ADP
fbem-3631	17	14	the	the	DET
fbem-3631	17	15	healthcare	healthcare	NOUN
fbem-3631	17	16	industry	industry	NOUN
fbem-3631	17	17	.	.	PUNCT
fbem-3631	18	1	today	today	NOUN
fbem-3631	18	2	's	's	PART
fbem-3631	18	3	world	world	NOUN
fbem-3631	18	4	is	be	AUX
fbem-3631	18	5	already	already	ADV
fbem-3631	18	6	a	a	DET
fbem-3631	18	7	global	global	ADJ
fbem-3631	18	8	village	village	NOUN
fbem-3631	18	9	.	.	PUNCT
fbem-3631	19	1	the	the	DET
fbem-3631	19	2	international	international	ADJ
fbem-3631	19	3	connection	connection	NOUN
fbem-3631	19	4	is	be	AUX
fbem-3631	19	5	very	very	ADV
fbem-3631	19	6	close	close	ADJ
fbem-3631	19	7	,	,	PUNCT
fbem-3631	19	8	the	the	DET
fbem-3631	19	9	economic	economic	ADJ
fbem-3631	19	10	environment	environment	NOUN
fbem-3631	19	11	has	have	AUX
fbem-3631	19	12	become	become	VERB
fbem-3631	19	13	complex	complex	ADJ
fbem-3631	19	14	,	,	PUNCT
fbem-3631	19	15	and	and	CCONJ
fbem-3631	19	16	the	the	DET
fbem-3631	19	17	regulatory	regulatory	ADJ
fbem-3631	19	18	environment	environment	NOUN
fbem-3631	19	19	has	have	AUX
fbem-3631	19	20	changed	change	VERB
fbem-3631	19	21	dramatically	dramatically	ADV
fbem-3631	19	22	with	with	ADP
fbem-3631	19	23	the	the	DET
fbem-3631	19	24	development	development	NOUN
fbem-3631	19	25	of	of	ADP
fbem-3631	19	26	the	the	DET
fbem-3631	19	27	internet	internet	NOUN
fbem-3631	19	28	.	.	PUNCT
fbem-3631	20	1	online	online	PROPN
fbem-3631	20	2	has	have	AUX
fbem-3631	20	3	become	become	VERB
fbem-3631	20	4	the	the	DET
fbem-3631	20	5	preferred	preferred	ADJ
fbem-3631	20	6	way	way	NOUN
fbem-3631	20	7	for	for	SCONJ
fbem-3631	20	8	people	people	NOUN
fbem-3631	20	9	to	to	PART
fbem-3631	20	10	manage	manage	VERB
fbem-3631	20	11	their	their	PRON
fbem-3631	20	12	funds	fund	NOUN
fbem-3631	20	13	and	and	CCONJ
fbem-3631	20	14	conduct	conduct	VERB
fbem-3631	20	15	business	business	NOUN
fbem-3631	20	16	,	,	PUNCT
fbem-3631	20	17	but	but	CCONJ
fbem-3631	20	18	the	the	DET
fbem-3631	20	19	effect	effect	NOUN
fbem-3631	20	20	of	of	ADP
fbem-3631	20	21	fintech	fintech	NOUN
fbem-3631	20	22	is	be	AUX
fbem-3631	20	23	still	still	ADV
fbem-3631	20	24	in	in	ADP
fbem-3631	20	25	its	its	PRON
fbem-3631	20	26	infancy	infancy	NOUN
fbem-3631	20	27	.	.	PUNCT
fbem-3631	21	1	city	city	NOUN
fbem-3631	21	2	(	(	PUNCT
fbem-3631	21	3	2016	2016	NUM
fbem-3631	21	4	)	)	PUNCT
fbem-3631	21	5	shows	show	VERB
fbem-3631	21	6	that	that	SCONJ
fbem-3631	21	7	airtime	airtime	NOUN
fbem-3631	21	8	transactions	transaction	NOUN
fbem-3631	21	9	dominate	dominate	VERB
fbem-3631	21	10	mobile	mobile	ADJ
fbem-3631	21	11	capital	capital	NOUN
fbem-3631	21	12	and	and	CCONJ
fbem-3631	21	13	currency	currency	NOUN
fbem-3631	21	14	use	use	NOUN
fbem-3631	21	15	.	.	PUNCT
fbem-3631	22	1	the	the	DET
fbem-3631	22	2	potential	potential	NOUN
fbem-3631	22	3	of	of	ADP
fbem-3631	22	4	mobile	mobile	ADJ
fbem-3631	22	5	currency	currency	NOUN
fbem-3631	22	6	has	have	VERB
fbem-3631	22	7	yet	yet	ADV
fbem-3631	22	8	to	to	PART
fbem-3631	22	9	be	be	AUX
fbem-3631	22	10	fully	fully	ADV
fbem-3631	22	11	explored	explore	VERB
fbem-3631	22	12	.	.	PUNCT
fbem-3631	23	1	digital	digital	ADJ
fbem-3631	23	2	disruption	disruption	NOUN
fbem-3631	23	3	is	be	AUX
fbem-3631	23	4	only	only	ADV
fbem-3631	23	5	a	a	DET
fbem-3631	23	6	tiny	tiny	ADJ
fbem-3631	23	7	part	part	NOUN
fbem-3631	23	8	of	of	ADP
fbem-3631	23	9	total	total	ADJ
fbem-3631	23	10	market	market	NOUN
fbem-3631	23	11	value	value	NOUN
fbem-3631	23	12	,	,	PUNCT
fbem-3631	23	13	but	but	CCONJ
fbem-3631	23	14	the	the	DET
fbem-3631	23	15	growth	growth	NOUN
fbem-3631	23	16	prospect	prospect	NOUN
fbem-3631	23	17	of	of	ADP
fbem-3631	23	18	fintech	fintech	NOUN
fbem-3631	23	19	can	can	AUX
fbem-3631	23	20	not	not	PART
fbem-3631	23	21	be	be	AUX
fbem-3631	23	22	underestimated	underestimate	VERB
fbem-3631	23	23	.	.	PUNCT
fbem-3631	24	1	1.3	1.3	NUM
fbem-3631	24	2	.	.	PUNCT
fbem-3631	25	1	major	major	ADJ
fbem-3631	25	2	players	player	NOUN
fbem-3631	25	3	with	with	ADP
fbem-3631	25	4	the	the	DET
fbem-3631	25	5	development	development	NOUN
fbem-3631	25	6	of	of	ADP
fbem-3631	25	7	the	the	DET
fbem-3631	25	8	internet	internet	NOUN
fbem-3631	25	9	,	,	PUNCT
fbem-3631	25	10	technology	technology	NOUN
fbem-3631	25	11	,	,	PUNCT
fbem-3631	25	12	and	and	CCONJ
fbem-3631	25	13	social	social	ADJ
fbem-3631	25	14	economy	economy	NOUN
fbem-3631	25	15	,	,	PUNCT
fbem-3631	25	16	numerous	numerous	ADJ
fbem-3631	25	17	fintech	fintech	NOUN
fbem-3631	25	18	companies	company	NOUN
fbem-3631	25	19	have	have	AUX
fbem-3631	25	20	been	be	AUX
fbem-3631	25	21	born	bear	VERB
fbem-3631	25	22	.	.	PUNCT
fbem-3631	26	1	for	for	ADP
fbem-3631	26	2	example	example	NOUN
fbem-3631	26	3	,	,	PUNCT
fbem-3631	26	4	alipay	alipay	PROPN
fbem-3631	26	5	is	be	AUX
fbem-3631	26	6	fintech	fintech	NOUN
fbem-3631	26	7	's	's	PART
fbem-3631	26	8	major	major	ADJ
fbem-3631	26	9	player	player	NOUN
fbem-3631	26	10	.	.	PUNCT
fbem-3631	27	1	according	accord	VERB
fbem-3631	27	2	to	to	ADP
fbem-3631	27	3	zeng	zeng	PROPN
fbem-3631	27	4	(	(	PUNCT
fbem-3631	27	5	2018	2018	NUM
fbem-3631	27	6	)	)	PUNCT
fbem-3631	27	7	,	,	PUNCT
fbem-3631	27	8	this	this	PRON
fbem-3631	27	9	is	be	AUX
fbem-3631	27	10	an	an	DET
fbem-3631	27	11	outstanding	outstanding	ADJ
fbem-3631	27	12	company	company	NOUN
fbem-3631	27	13	of	of	ADP
fbem-3631	27	14	fintech	fintech	NOUN
fbem-3631	27	15	,	,	PUNCT
fbem-3631	27	16	a	a	DET
fbem-3631	27	17	third	third	ADJ
fbem-3631	27	18	-	-	PUNCT
fbem-3631	27	19	party	party	NOUN
fbem-3631	27	20	payment	payment	NOUN
fbem-3631	27	21	platform	platform	NOUN
fbem-3631	27	22	born	bear	VERB
fbem-3631	27	23	in	in	ADP
fbem-3631	27	24	china	china	PROPN
fbem-3631	27	25	,	,	PUNCT
fbem-3631	27	26	and	and	CCONJ
fbem-3631	27	27	now	now	ADV
fbem-3631	27	28	the	the	DET
fbem-3631	27	29	most	most	ADV
fbem-3631	27	30	prominent	prominent	ADJ
fbem-3631	27	31	mobile	mobile	ADJ
fbem-3631	27	32	payment	payment	NOUN
fbem-3631	27	33	company	company	NOUN
fbem-3631	27	34	in	in	ADP
fbem-3631	27	35	the	the	DET
fbem-3631	27	36	world	world	NOUN
fbem-3631	27	37	.	.	PUNCT
fbem-3631	28	1	at	at	ADP
fbem-3631	28	2	first	first	ADV
fbem-3631	28	3	,	,	PUNCT
fbem-3631	28	4	alipay	alipay	PROPN
fbem-3631	28	5	was	be	AUX
fbem-3631	28	6	a	a	DET
fbem-3631	28	7	payment	payment	NOUN
fbem-3631	28	8	method	method	NOUN
fbem-3631	28	9	used	use	VERB
fbem-3631	28	10	when	when	SCONJ
fbem-3631	28	11	online	online	ADJ
fbem-3631	28	12	shopping	shopping	NOUN
fbem-3631	28	13	.	.	PUNCT
fbem-3631	29	1	just	just	ADV
fbem-3631	29	2	like	like	ADP
fbem-3631	29	3	paypal	paypal	NOUN
fbem-3631	29	4	,	,	PUNCT
fbem-3631	29	5	alipay	alipay	PROPN
fbem-3631	29	6	's	's	PART
fbem-3631	29	7	application	application	NOUN
fbem-3631	29	8	scope	scope	NOUN
fbem-3631	29	9	has	have	AUX
fbem-3631	29	10	already	already	ADV
fbem-3631	29	11	exceeded	exceed	VERB
fbem-3631	29	12	the	the	DET
fbem-3631	29	13	range	range	NOUN
fbem-3631	29	14	of	of	ADP
fbem-3631	29	15	online	online	ADJ
fbem-3631	29	16	shopping	shopping	NOUN
fbem-3631	29	17	and	and	CCONJ
fbem-3631	29	18	has	have	AUX
fbem-3631	29	19	begun	begin	VERB
fbem-3631	29	20	to	to	PART
fbem-3631	29	21	cover	cover	VERB
fbem-3631	29	22	every	every	DET
fbem-3631	29	23	aspect	aspect	NOUN
fbem-3631	29	24	of	of	ADP
fbem-3631	29	25	life	life	NOUN
fbem-3631	29	26	.	.	PUNCT
fbem-3631	30	1	it	it	PRON
fbem-3631	30	2	can	can	AUX
fbem-3631	30	3	be	be	AUX
fbem-3631	30	4	used	use	VERB
fbem-3631	30	5	for	for	ADP
fbem-3631	30	6	the	the	DET
fbem-3631	30	7	transfer	transfer	NOUN
fbem-3631	30	8	,	,	PUNCT
fbem-3631	30	9	payment	payment	NOUN
fbem-3631	30	10	,	,	PUNCT
fbem-3631	30	11	credit	credit	NOUN
fbem-3631	30	12	card	card	NOUN
fbem-3631	30	13	repayment	repayment	NOUN
fbem-3631	30	14	,	,	PUNCT
fbem-3631	30	15	and	and	CCONJ
fbem-3631	30	16	online	online	ADJ
fbem-3631	30	17	-	-	PUNCT
fbem-3631	30	18	to	to	ADP
fbem-3631	30	19	-	-	PUNCT
fbem-3631	30	20	offline	offline	ADJ
fbem-3631	30	21	consumption	consumption	NOUN
fbem-3631	30	22	,	,	PUNCT
fbem-3631	30	23	and	and	CCONJ
fbem-3631	30	24	alipay	alipay	PROPN
fbem-3631	30	25	exists	exist	VERB
fbem-3631	30	26	everywhere	everywhere	ADV
fbem-3631	30	27	in	in	ADP
fbem-3631	30	28	every	every	DET
fbem-3631	30	29	place	place	NOUN
fbem-3631	30	30	,	,	PUNCT
fbem-3631	30	31	significantly	significantly	ADV
fbem-3631	30	32	changing	change	VERB
fbem-3631	30	33	people	people	NOUN
fbem-3631	30	34	's	's	PART
fbem-3631	30	35	lives	life	NOUN
fbem-3631	30	36	.	.	PUNCT
fbem-3631	31	1	for	for	ADP
fbem-3631	31	2	another	another	DET
fbem-3631	31	3	example	example	NOUN
fbem-3631	31	4	,	,	PUNCT
fbem-3631	31	5	facebook	facebook	PROPN
fbem-3631	31	6	is	be	AUX
fbem-3631	31	7	also	also	ADV
fbem-3631	31	8	fintech	fintech	NOUN
fbem-3631	31	9	's	's	PART
fbem-3631	31	10	major	major	ADJ
fbem-3631	31	11	player	player	NOUN
fbem-3631	31	12	.	.	PUNCT
fbem-3631	32	1	although	although	SCONJ
fbem-3631	32	2	it	it	PRON
fbem-3631	32	3	started	start	VERB
fbem-3631	32	4	as	as	ADP
fbem-3631	32	5	a	a	DET
fbem-3631	32	6	social	social	ADJ
fbem-3631	32	7	platform	platform	NOUN
fbem-3631	32	8	,	,	PUNCT
fbem-3631	32	9	with	with	ADP
fbem-3631	32	10	its	its	PRON
fbem-3631	32	11	development	development	NOUN
fbem-3631	32	12	,	,	PUNCT
fbem-3631	32	13	it	it	PRON
fbem-3631	32	14	has	have	AUX
fbem-3631	32	15	become	become	VERB
fbem-3631	32	16	a	a	DET
fbem-3631	32	17	famous	famous	ADJ
fbem-3631	32	18	enterprise	enterprise	NOUN
fbem-3631	32	19	in	in	ADP
fbem-3631	32	20	the	the	DET
fbem-3631	32	21	financial	financial	ADJ
fbem-3631	32	22	services	service	NOUN
fbem-3631	32	23	industry	industry	NOUN
fbem-3631	32	24	,	,	PUNCT
fbem-3631	32	25	with	with	ADP
fbem-3631	32	26	its	its	PRON
fbem-3631	32	27	ecological	ecological	ADJ
fbem-3631	32	28	chain	chain	NOUN
fbem-3631	32	29	serving	serve	VERB
fbem-3631	32	30	all	all	DET
fbem-3631	32	31	aspects	aspect	NOUN
fbem-3631	32	32	of	of	ADP
fbem-3631	32	33	people	people	NOUN
fbem-3631	32	34	's	's	PART
fbem-3631	32	35	life	life	NOUN
fbem-3631	32	36	.	.	PUNCT
fbem-3631	33	1	1.4	1.4	NUM
fbem-3631	33	2	.	.	PUNCT
fbem-3631	34	1	emergence	emergence	NOUN
fbem-3631	34	2	condition	condition	NOUN
fbem-3631	34	3	with	with	ADP
fbem-3631	34	4	the	the	DET
fbem-3631	34	5	popularity	popularity	NOUN
fbem-3631	34	6	of	of	ADP
fbem-3631	34	7	the	the	DET
fbem-3631	34	8	internet	internet	NOUN
fbem-3631	34	9	,	,	PUNCT
fbem-3631	34	10	today	today	NOUN
fbem-3631	34	11	's	's	PART
fbem-3631	34	12	world	world	NOUN
fbem-3631	34	13	is	be	AUX
fbem-3631	34	14	much	much	ADV
fbem-3631	34	15	more	more	ADV
fbem-3631	34	16	closely	closely	ADV
fbem-3631	34	17	connected	connect	VERB
fbem-3631	34	18	than	than	ADP
fbem-3631	34	19	before	before	ADV
fbem-3631	34	20	.	.	PUNCT
fbem-3631	35	1	the	the	DET
fbem-3631	35	2	improvement	improvement	NOUN
fbem-3631	35	3	of	of	ADP
fbem-3631	35	4	technology	technology	NOUN
fbem-3631	35	5	has	have	AUX
fbem-3631	35	6	improved	improve	VERB
fbem-3631	35	7	people	people	NOUN
fbem-3631	35	8	's	's	PART
fbem-3631	35	9	work	work	NOUN
fbem-3631	35	10	efficiency	efficiency	NOUN
fbem-3631	35	11	,	,	PUNCT
fbem-3631	35	12	and	and	CCONJ
fbem-3631	35	13	people	people	NOUN
fbem-3631	35	14	have	have	AUX
fbem-3631	35	15	also	also	ADV
fbem-3631	35	16	found	find	VERB
fbem-3631	35	17	that	that	SCONJ
fbem-3631	35	18	it	it	PRON
fbem-3631	35	19	is	be	AUX
fbem-3631	35	20	more	more	ADV
fbem-3631	35	21	efficient	efficient	ADJ
fbem-3631	35	22	to	to	PART
fbem-3631	35	23	manage	manage	VERB
fbem-3631	35	24	funds	fund	NOUN
fbem-3631	35	25	and	and	CCONJ
fbem-3631	35	26	handle	handle	VERB
fbem-3631	35	27	business	business	NOUN
fbem-3631	35	28	online	online	NOUN
fbem-3631	35	29	.	.	PUNCT
fbem-3631	36	1	therefore	therefore	ADV
fbem-3631	36	2	,	,	PUNCT
fbem-3631	36	3	fintech	fintech	NOUN
fbem-3631	36	4	is	be	AUX
fbem-3631	36	5	the	the	DET
fbem-3631	36	6	trend	trend	NOUN
fbem-3631	36	7	in	in	ADP
fbem-3631	36	8	the	the	DET
fbem-3631	36	9	future	future	NOUN
fbem-3631	36	10	,	,	PUNCT
fbem-3631	36	11	it	it	PRON
fbem-3631	36	12	has	have	AUX
fbem-3631	36	13	changed	change	VERB
fbem-3631	36	14	people	people	NOUN
fbem-3631	36	15	's	's	PART
fbem-3631	36	16	lives	life	NOUN
fbem-3631	36	17	.	.	PUNCT
fbem-3631	37	1	fintech	fintech	NOUN
fbem-3631	37	2	has	have	AUX
fbem-3631	37	3	also	also	ADV
fbem-3631	37	4	seriously	seriously	ADV
fbem-3631	37	5	challenged	challenge	VERB
fbem-3631	37	6	the	the	DET
fbem-3631	37	7	market	market	NOUN
fbem-3631	37	8	share	share	NOUN
fbem-3631	37	9	of	of	ADP
fbem-3631	37	10	traditional	traditional	ADJ
fbem-3631	37	11	finance	finance	NOUN
fbem-3631	37	12	.	.	PUNCT
fbem-3631	38	1	the	the	PRON
fbem-3631	38	2	broader	broad	ADJ
fbem-3631	38	3	the	the	DET
fbem-3631	38	4	market	market	NOUN
fbem-3631	38	5	,	,	PUNCT
fbem-3631	38	6	the	the	DET
fbem-3631	38	7	more	more	ADV
fbem-3631	38	8	economic	economic	ADJ
fbem-3631	38	9	benefits	benefit	NOUN
fbem-3631	38	10	it	it	PRON
fbem-3631	38	11	may	may	AUX
fbem-3631	38	12	bring	bring	VERB
fbem-3631	38	13	.	.	PUNCT
fbem-3631	39	1	therefore	therefore	ADV
fbem-3631	39	2	,	,	PUNCT
fbem-3631	39	3	the	the	DET
fbem-3631	39	4	conventional	conventional	ADJ
fbem-3631	39	5	financial	financial	ADJ
fbem-3631	39	6	industry	industry	NOUN
fbem-3631	39	7	may	may	AUX
fbem-3631	39	8	inevitably	inevitably	ADV
fbem-3631	39	9	transform	transform	VERB
fbem-3631	39	10	.	.	PUNCT
fbem-3631	40	1	some	some	DET
fbem-3631	40	2	large	large	ADJ
fbem-3631	40	3	financial	financial	ADJ
fbem-3631	40	4	institutions	institution	NOUN
fbem-3631	40	5	may	may	AUX
fbem-3631	40	6	vigorously	vigorously	ADV
fbem-3631	40	7	develop	develop	VERB
fbem-3631	40	8	their	their	PRON
fbem-3631	40	9	internet	internet	NOUN
fbem-3631	40	10	technology	technology	NOUN
fbem-3631	40	11	or	or	CCONJ
fbem-3631	40	12	acquire	acquire	VERB
fbem-3631	40	13	fintech	fintech	NOUN
fbem-3631	40	14	companies	company	NOUN
fbem-3631	40	15	.	.	PUNCT
fbem-3631	41	1	for	for	ADP
fbem-3631	41	2	example	example	NOUN
fbem-3631	41	3	,	,	PUNCT
fbem-3631	41	4	goldman	goldman	PROPN
fbem-3631	41	5	sachs	sachs	PROPN
fbem-3631	41	6	group	group	PROPN
fbem-3631	41	7	has	have	AUX
fbem-3631	41	8	already	already	ADV
fbem-3631	41	9	set	set	VERB
fbem-3631	41	10	foot	foot	NOUN
fbem-3631	41	11	in	in	ADP
fbem-3631	41	12	fintech	fintech	NOUN
fbem-3631	41	13	.	.	PUNCT
fbem-3631	42	1	these	these	DET
fbem-3631	42	2	actions	action	NOUN
fbem-3631	42	3	of	of	ADP
fbem-3631	42	4	large	large	ADJ
fbem-3631	42	5	companies	company	NOUN
fbem-3631	42	6	may	may	AUX
fbem-3631	42	7	affect	affect	VERB
fbem-3631	42	8	small	small	ADJ
fbem-3631	42	9	companies	company	NOUN
fbem-3631	42	10	and	and	CCONJ
fbem-3631	42	11	even	even	ADV
fbem-3631	42	12	the	the	DET
fbem-3631	42	13	whole	whole	ADJ
fbem-3631	42	14	industry	industry	NOUN
fbem-3631	42	15	.	.	PUNCT
fbem-3631	43	1	in	in	ADP
fbem-3631	43	2	the	the	DET
fbem-3631	43	3	future	future	NOUN
fbem-3631	43	4	,	,	PUNCT
fbem-3631	43	5	fintech	fintech	NOUN
fbem-3631	43	6	may	may	AUX
fbem-3631	43	7	cover	cover	VERB
fbem-3631	43	8	all	all	DET
fbem-3631	43	9	aspects	aspect	NOUN
fbem-3631	43	10	of	of	ADP
fbem-3631	43	11	society	society	NOUN
fbem-3631	43	12	.	.	PUNCT
fbem-3631	44	1	therefore	therefore	ADV
fbem-3631	44	2	,	,	PUNCT
fbem-3631	44	3	these	these	DET
fbem-3631	44	4	conditions	condition	NOUN
fbem-3631	44	5	contributed	contribute	VERB
fbem-3631	44	6	to	to	ADP
fbem-3631	44	7	the	the	DET
fbem-3631	44	8	emergence	emergence	NOUN
fbem-3631	44	9	of	of	ADP
fbem-3631	44	10	fintech	fintech	NOUN
fbem-3631	44	11	.	.	PUNCT
fbem-3631	45	1	2	2	X
fbem-3631	45	2	.	.	X
fbem-3631	45	3	traditional	traditional	ADJ
fbem-3631	45	4	financial	financial	ADJ
fbem-3631	45	5	industries	industry	NOUN
fbem-3631	45	6	'	'	PART
fbem-3631	45	7	choices	choice	NOUN
fbem-3631	45	8	2.1	2.1	NUM
fbem-3631	45	9	.	.	PUNCT
fbem-3631	46	1	maintain	maintain	VERB
fbem-3631	46	2	the	the	DET
fbem-3631	46	3	present	present	ADJ
fbem-3631	46	4	status	status	NOUN
fbem-3631	46	5	maintain	maintain	VERB
fbem-3631	46	6	the	the	DET
fbem-3631	46	7	present	present	ADJ
fbem-3631	46	8	status	status	NOUN
fbem-3631	46	9	means	mean	VERB
fbem-3631	46	10	maintaining	maintain	VERB
fbem-3631	46	11	the	the	DET
fbem-3631	46	12	operation	operation	NOUN
fbem-3631	46	13	mode	mode	NOUN
fbem-3631	46	14	of	of	ADP
fbem-3631	46	15	the	the	DET
fbem-3631	46	16	traditional	traditional	ADJ
fbem-3631	46	17	financial	financial	ADJ
fbem-3631	46	18	industry	industry	NOUN
fbem-3631	46	19	.	.	PUNCT
fbem-3631	47	1	there	there	PRON
fbem-3631	47	2	are	be	VERB
fbem-3631	47	3	advantages	advantage	NOUN
fbem-3631	47	4	to	to	ADP
fbem-3631	47	5	doing	do	VERB
fbem-3631	47	6	so	so	ADV
fbem-3631	47	7	.	.	PUNCT
fbem-3631	48	1	offline	offline	ADJ
fbem-3631	48	2	service	service	NOUN
fbem-3631	48	3	of	of	ADP
fbem-3631	48	4	physical	physical	ADJ
fbem-3631	48	5	branches	branch	NOUN
fbem-3631	48	6	can	can	AUX
fbem-3631	48	7	make	make	VERB
fbem-3631	48	8	customers	customer	NOUN
fbem-3631	48	9	very	very	ADV
fbem-3631	48	10	comfortable	comfortable	ADJ
fbem-3631	48	11	.	.	PUNCT
fbem-3631	49	1	for	for	ADP
fbem-3631	49	2	example	example	NOUN
fbem-3631	49	3	,	,	PUNCT
fbem-3631	49	4	professional	professional	ADJ
fbem-3631	49	5	staff	staff	NOUN
fbem-3631	49	6	can	can	AUX
fbem-3631	49	7	answer	answer	VERB
fbem-3631	49	8	customers	customer	NOUN
fbem-3631	49	9	'	'	PART
fbem-3631	49	10	questions	question	NOUN
fbem-3631	49	11	face	face	NOUN
fbem-3631	49	12	-	-	PUNCT
fbem-3631	49	13	toface	toface	NOUN
fbem-3631	49	14	,	,	PUNCT
fbem-3631	49	15	and	and	CCONJ
fbem-3631	49	16	people	people	NOUN
fbem-3631	49	17	can	can	AUX
fbem-3631	49	18	also	also	ADV
fbem-3631	49	19	relax	relax	VERB
fbem-3631	49	20	in	in	ADP
fbem-3631	49	21	branches	branch	NOUN
fbem-3631	49	22	,	,	PUNCT
fbem-3631	49	23	just	just	ADV
fbem-3631	49	24	like	like	ADP
fbem-3631	49	25	lounges	lounge	NOUN
fbem-3631	49	26	.	.	PUNCT
fbem-3631	50	1	254	254	NUM
fbem-3631	50	2	and	and	CCONJ
fbem-3631	50	3	another	another	DET
fbem-3631	50	4	advantage	advantage	NOUN
fbem-3631	50	5	is	be	AUX
fbem-3631	50	6	to	to	PART
fbem-3631	50	7	avoid	avoid	VERB
fbem-3631	50	8	risk	risk	NOUN
fbem-3631	50	9	.	.	PUNCT
fbem-3631	51	1	whether	whether	SCONJ
fbem-3631	51	2	it	it	PRON
fbem-3631	51	3	's	be	AUX
fbem-3631	51	4	the	the	DET
fbem-3631	51	5	acquisition	acquisition	NOUN
fbem-3631	51	6	of	of	ADP
fbem-3631	51	7	fintech	fintech	NOUN
fbem-3631	51	8	or	or	CCONJ
fbem-3631	51	9	self	self	NOUN
fbem-3631	51	10	-	-	PUNCT
fbem-3631	51	11	reform	reform	NOUN
fbem-3631	51	12	,	,	PUNCT
fbem-3631	51	13	it	it	PRON
fbem-3631	51	14	may	may	AUX
fbem-3631	51	15	be	be	AUX
fbem-3631	51	16	a	a	DET
fbem-3631	51	17	significant	significant	ADJ
fbem-3631	51	18	expense	expense	NOUN
fbem-3631	51	19	.	.	PUNCT
fbem-3631	52	1	if	if	SCONJ
fbem-3631	52	2	the	the	DET
fbem-3631	52	3	operation	operation	NOUN
fbem-3631	52	4	is	be	AUX
fbem-3631	52	5	not	not	PART
fbem-3631	52	6	good	good	ADJ
fbem-3631	52	7	,	,	PUNCT
fbem-3631	52	8	it	it	PRON
fbem-3631	52	9	may	may	AUX
fbem-3631	52	10	lead	lead	VERB
fbem-3631	52	11	to	to	ADP
fbem-3631	52	12	a	a	DET
fbem-3631	52	13	financial	financial	ADJ
fbem-3631	52	14	crisis	crisis	NOUN
fbem-3631	52	15	for	for	ADP
fbem-3631	52	16	the	the	DET
fbem-3631	52	17	company	company	NOUN
fbem-3631	52	18	.	.	PUNCT
fbem-3631	53	1	cooperating	cooperate	VERB
fbem-3631	53	2	with	with	ADP
fbem-3631	53	3	fintech	fintech	NOUN
fbem-3631	53	4	may	may	AUX
fbem-3631	53	5	also	also	ADV
fbem-3631	53	6	lead	lead	VERB
fbem-3631	53	7	to	to	ADP
fbem-3631	53	8	the	the	DET
fbem-3631	53	9	unclear	unclear	ADJ
fbem-3631	53	10	business	business	NOUN
fbem-3631	53	11	objectives	objective	NOUN
fbem-3631	53	12	of	of	ADP
fbem-3631	53	13	the	the	DET
fbem-3631	53	14	company	company	NOUN
fbem-3631	53	15	,	,	PUNCT
fbem-3631	53	16	and	and	CCONJ
fbem-3631	53	17	the	the	DET
fbem-3631	53	18	company	company	NOUN
fbem-3631	53	19	's	's	PART
fbem-3631	53	20	old	old	ADJ
fbem-3631	53	21	economic	economic	ADJ
fbem-3631	53	22	culture	culture	NOUN
fbem-3631	53	23	may	may	AUX
fbem-3631	53	24	be	be	AUX
fbem-3631	53	25	shaken	shake	VERB
fbem-3631	53	26	.	.	PUNCT
fbem-3631	54	1	as	as	ADP
fbem-3631	54	2	for	for	ADP
fbem-3631	54	3	its	its	PRON
fbem-3631	54	4	shortcomings	shortcoming	NOUN
fbem-3631	54	5	,	,	PUNCT
fbem-3631	54	6	according	accord	VERB
fbem-3631	54	7	to	to	ADP
fbem-3631	54	8	city	city	NOUN
fbem-3631	54	9	(	(	PUNCT
fbem-3631	54	10	2016	2016	NUM
fbem-3631	54	11	)	)	PUNCT
fbem-3631	54	12	,	,	PUNCT
fbem-3631	54	13	internet	internet	NOUN
fbem-3631	54	14	banking	banking	NOUN
fbem-3631	54	15	is	be	AUX
fbem-3631	54	16	the	the	DET
fbem-3631	54	17	primary	primary	ADJ
fbem-3631	54	18	channel	channel	NOUN
fbem-3631	54	19	for	for	ADP
fbem-3631	54	20	interaction	interaction	NOUN
fbem-3631	54	21	with	with	ADP
fbem-3631	54	22	banks	bank	NOUN
fbem-3631	54	23	regardless	regardless	ADV
fbem-3631	54	24	of	of	ADP
fbem-3631	54	25	country	country	NOUN
fbem-3631	54	26	and	and	CCONJ
fbem-3631	54	27	the	the	DET
fbem-3631	54	28	primary	primary	ADJ
fbem-3631	54	29	profit	profit	NOUN
fbem-3631	54	30	source	source	NOUN
fbem-3631	54	31	of	of	ADP
fbem-3631	54	32	banks	bank	NOUN
fbem-3631	54	33	is	be	AUX
fbem-3631	54	34	lending	lend	VERB
fbem-3631	54	35	.	.	PUNCT
fbem-3631	55	1	goldfinch	goldfinch	NOUN
fbem-3631	55	2	(	(	PUNCT
fbem-3631	55	3	2019	2019	NUM
fbem-3631	55	4	)	)	PUNCT
fbem-3631	55	5	stated	state	VERB
fbem-3631	55	6	that	that	SCONJ
fbem-3631	55	7	commercial	commercial	ADJ
fbem-3631	55	8	banks	bank	NOUN
fbem-3631	55	9	'	'	PART
fbem-3631	55	10	main	main	ADJ
fbem-3631	55	11	profit	profit	NOUN
fbem-3631	55	12	comes	come	VERB
fbem-3631	55	13	from	from	ADP
fbem-3631	55	14	the	the	DET
fbem-3631	55	15	interest	interest	NOUN
fbem-3631	55	16	earned	earn	VERB
fbem-3631	55	17	by	by	ADP
fbem-3631	55	18	loans	loan	NOUN
fbem-3631	55	19	.	.	PUNCT
fbem-3631	56	1	so	so	ADV
fbem-3631	56	2	doing	do	VERB
fbem-3631	56	3	nothing	nothing	PRON
fbem-3631	56	4	instead	instead	ADV
fbem-3631	56	5	of	of	ADP
fbem-3631	56	6	developing	develop	VERB
fbem-3631	56	7	internet	internet	NOUN
fbem-3631	56	8	banking	banking	NOUN
fbem-3631	56	9	may	may	AUX
fbem-3631	56	10	cause	cause	VERB
fbem-3631	56	11	profit	profit	NOUN
fbem-3631	56	12	loss	loss	NOUN
fbem-3631	56	13	.	.	PUNCT
fbem-3631	57	1	in	in	ADP
fbem-3631	57	2	addition	addition	NOUN
fbem-3631	57	3	,	,	PUNCT
fbem-3631	57	4	doing	do	VERB
fbem-3631	57	5	nothing	nothing	PRON
fbem-3631	57	6	may	may	AUX
fbem-3631	57	7	lead	lead	VERB
fbem-3631	57	8	to	to	ADP
fbem-3631	57	9	low	low	ADJ
fbem-3631	57	10	efficiency	efficiency	NOUN
fbem-3631	57	11	for	for	ADP
fbem-3631	57	12	the	the	DET
fbem-3631	57	13	bank	bank	NOUN
fbem-3631	57	14	.	.	PUNCT
fbem-3631	58	1	if	if	SCONJ
fbem-3631	58	2	everyone	everyone	PRON
fbem-3631	58	3	goes	go	VERB
fbem-3631	58	4	to	to	ADP
fbem-3631	58	5	a	a	DET
fbem-3631	58	6	branch	branch	NOUN
fbem-3631	58	7	for	for	ADP
fbem-3631	58	8	trading	trading	NOUN
fbem-3631	58	9	,	,	PUNCT
fbem-3631	58	10	queuing	queue	VERB
fbem-3631	58	11	may	may	AUX
fbem-3631	58	12	waste	waste	VERB
fbem-3631	58	13	time	time	NOUN
fbem-3631	58	14	,	,	PUNCT
fbem-3631	58	15	and	and	CCONJ
fbem-3631	58	16	people	people	NOUN
fbem-3631	58	17	may	may	AUX
fbem-3631	58	18	have	have	AUX
fbem-3631	58	19	commuting	commute	VERB
fbem-3631	58	20	time	time	NOUN
fbem-3631	58	21	when	when	SCONJ
fbem-3631	58	22	they	they	PRON
fbem-3631	58	23	go	go	VERB
fbem-3631	58	24	to	to	ADP
fbem-3631	58	25	the	the	DET
fbem-3631	58	26	bank	bank	NOUN
fbem-3631	58	27	.	.	PUNCT
fbem-3631	59	1	people	people	NOUN
fbem-3631	59	2	may	may	AUX
fbem-3631	59	3	choose	choose	VERB
fbem-3631	59	4	other	other	ADJ
fbem-3631	59	5	banks	bank	NOUN
fbem-3631	59	6	if	if	SCONJ
fbem-3631	59	7	banks	bank	NOUN
fbem-3631	59	8	stay	stay	VERB
fbem-3631	59	9	the	the	DET
fbem-3631	59	10	same	same	ADJ
fbem-3631	59	11	.	.	PUNCT
fbem-3631	60	1	2.2	2.2	NUM
fbem-3631	60	2	.	.	PUNCT
fbem-3631	60	3	acquire	acquire	NOUN
fbem-3631	60	4	fintech	fintech	NOUN
fbem-3631	60	5	company	company	NOUN
fbem-3631	60	6	for	for	ADP
fbem-3631	60	7	traditional	traditional	ADJ
fbem-3631	60	8	financial	financial	ADJ
fbem-3631	60	9	companies	company	NOUN
fbem-3631	60	10	,	,	PUNCT
fbem-3631	60	11	acquiring	acquire	VERB
fbem-3631	60	12	a	a	DET
fbem-3631	60	13	fintech	fintech	NOUN
fbem-3631	60	14	company	company	NOUN
fbem-3631	60	15	is	be	AUX
fbem-3631	60	16	undoubtedly	undoubtedly	ADV
fbem-3631	60	17	the	the	DET
fbem-3631	60	18	most	most	ADV
fbem-3631	60	19	accessible	accessible	ADJ
fbem-3631	60	20	and	and	CCONJ
fbem-3631	60	21	time	time	NOUN
fbem-3631	60	22	-	-	PUNCT
fbem-3631	60	23	saving	save	VERB
fbem-3631	60	24	way	way	NOUN
fbem-3631	60	25	.	.	PUNCT
fbem-3631	61	1	it	it	PRON
fbem-3631	61	2	does	do	AUX
fbem-3631	61	3	not	not	PART
fbem-3631	61	4	need	need	VERB
fbem-3631	61	5	to	to	PART
fbem-3631	61	6	invest	invest	VERB
fbem-3631	61	7	time	time	NOUN
fbem-3631	61	8	to	to	PART
fbem-3631	61	9	experience	experience	VERB
fbem-3631	61	10	the	the	DET
fbem-3631	61	11	long	long	ADJ
fbem-3631	61	12	development	development	NOUN
fbem-3631	61	13	of	of	ADP
fbem-3631	61	14	financial	financial	ADJ
fbem-3631	61	15	technology	technology	NOUN
fbem-3631	61	16	.	.	PUNCT
fbem-3631	62	1	it	it	PRON
fbem-3631	62	2	only	only	ADV
fbem-3631	62	3	needs	need	VERB
fbem-3631	62	4	to	to	PART
fbem-3631	62	5	pay	pay	VERB
fbem-3631	62	6	the	the	DET
fbem-3631	62	7	money	money	NOUN
fbem-3631	62	8	within	within	ADP
fbem-3631	62	9	its	its	PRON
fbem-3631	62	10	ability	ability	NOUN
fbem-3631	62	11	.	.	PUNCT
fbem-3631	63	1	another	another	DET
fbem-3631	63	2	advantage	advantage	NOUN
fbem-3631	63	3	of	of	ADP
fbem-3631	63	4	acquisition	acquisition	NOUN
fbem-3631	63	5	is	be	AUX
fbem-3631	63	6	that	that	SCONJ
fbem-3631	63	7	it	it	PRON
fbem-3631	63	8	can	can	AUX
fbem-3631	63	9	directly	directly	ADV
fbem-3631	63	10	get	get	VERB
fbem-3631	63	11	the	the	DET
fbem-3631	63	12	resources	resource	NOUN
fbem-3631	63	13	required	require	VERB
fbem-3631	63	14	for	for	ADP
fbem-3631	63	15	it	it	PRON
fbem-3631	63	16	business	business	NOUN
fbem-3631	63	17	expansion	expansion	NOUN
fbem-3631	63	18	to	to	PART
fbem-3631	63	19	meet	meet	VERB
fbem-3631	63	20	its	its	PRON
fbem-3631	63	21	core	core	NOUN
fbem-3631	63	22	business	business	NOUN
fbem-3631	63	23	needs	need	NOUN
fbem-3631	63	24	,	,	PUNCT
fbem-3631	63	25	which	which	PRON
fbem-3631	63	26	is	be	AUX
fbem-3631	63	27	very	very	ADV
fbem-3631	63	28	efficient	efficient	ADJ
fbem-3631	63	29	.	.	PUNCT
fbem-3631	64	1	under	under	ADP
fbem-3631	64	2	the	the	DET
fbem-3631	64	3	general	general	ADJ
fbem-3631	64	4	trend	trend	NOUN
fbem-3631	64	5	of	of	ADP
fbem-3631	64	6	fintech	fintech	NOUN
fbem-3631	64	7	,	,	PUNCT
fbem-3631	64	8	financial	financial	ADJ
fbem-3631	64	9	companies	company	NOUN
fbem-3631	64	10	can	can	AUX
fbem-3631	64	11	complete	complete	VERB
fbem-3631	64	12	the	the	DET
fbem-3631	64	13	transformation	transformation	NOUN
fbem-3631	64	14	immediately	immediately	ADV
fbem-3631	64	15	,	,	PUNCT
fbem-3631	64	16	and	and	CCONJ
fbem-3631	64	17	the	the	DET
fbem-3631	64	18	technology	technology	NOUN
fbem-3631	64	19	of	of	ADP
fbem-3631	64	20	fintech	fintech	NOUN
fbem-3631	64	21	can	can	AUX
fbem-3631	64	22	quickly	quickly	ADV
fbem-3631	64	23	enhance	enhance	VERB
fbem-3631	64	24	the	the	DET
fbem-3631	64	25	market	market	NOUN
fbem-3631	64	26	share	share	NOUN
fbem-3631	64	27	and	and	CCONJ
fbem-3631	64	28	improve	improve	VERB
fbem-3631	64	29	the	the	DET
fbem-3631	64	30	user	user	NOUN
fbem-3631	64	31	experience	experience	NOUN
fbem-3631	64	32	.	.	PUNCT
fbem-3631	65	1	regarding	regard	VERB
fbem-3631	65	2	the	the	DET
fbem-3631	65	3	disadvantages	disadvantage	NOUN
fbem-3631	65	4	.	.	PUNCT
fbem-3631	66	1	the	the	DET
fbem-3631	66	2	cost	cost	NOUN
fbem-3631	66	3	of	of	ADP
fbem-3631	66	4	acquiring	acquire	VERB
fbem-3631	66	5	a	a	DET
fbem-3631	66	6	financial	financial	ADJ
fbem-3631	66	7	technology	technology	NOUN
fbem-3631	66	8	company	company	NOUN
fbem-3631	66	9	is	be	AUX
fbem-3631	66	10	very	very	ADV
fbem-3631	66	11	high	high	ADJ
fbem-3631	66	12	because	because	SCONJ
fbem-3631	66	13	the	the	DET
fbem-3631	66	14	technology	technology	NOUN
fbem-3631	66	15	company	company	NOUN
fbem-3631	66	16	that	that	PRON
fbem-3631	66	17	can	can	AUX
fbem-3631	66	18	meet	meet	VERB
fbem-3631	66	19	the	the	DET
fbem-3631	66	20	needs	need	NOUN
fbem-3631	66	21	of	of	ADP
fbem-3631	66	22	large	large	ADJ
fbem-3631	66	23	financial	financial	ADJ
fbem-3631	66	24	companies	company	NOUN
fbem-3631	66	25	is	be	AUX
fbem-3631	66	26	a	a	DET
fbem-3631	66	27	behemoth	behemoth	NOUN
fbem-3631	66	28	.	.	PUNCT
fbem-3631	67	1	the	the	DET
fbem-3631	67	2	company	company	NOUN
fbem-3631	67	3	may	may	AUX
fbem-3631	67	4	face	face	VERB
fbem-3631	67	5	a	a	DET
fbem-3631	67	6	shortage	shortage	NOUN
fbem-3631	67	7	of	of	ADP
fbem-3631	67	8	cash	cash	NOUN
fbem-3631	67	9	.	.	PUNCT
fbem-3631	68	1	if	if	SCONJ
fbem-3631	68	2	it	it	PRON
fbem-3631	68	3	does	do	AUX
fbem-3631	68	4	not	not	PART
fbem-3631	68	5	operate	operate	VERB
fbem-3631	68	6	well	well	ADV
fbem-3631	68	7	in	in	ADP
fbem-3631	68	8	the	the	DET
fbem-3631	68	9	future	future	NOUN
fbem-3631	68	10	,	,	PUNCT
fbem-3631	68	11	it	it	PRON
fbem-3631	68	12	may	may	AUX
fbem-3631	68	13	even	even	ADV
fbem-3631	68	14	cause	cause	VERB
fbem-3631	68	15	bankruptcy	bankruptcy	NOUN
fbem-3631	68	16	.	.	PUNCT
fbem-3631	69	1	in	in	ADP
fbem-3631	69	2	addition	addition	NOUN
fbem-3631	69	3	,	,	PUNCT
fbem-3631	69	4	the	the	DET
fbem-3631	69	5	integration	integration	NOUN
fbem-3631	69	6	of	of	ADP
fbem-3631	69	7	the	the	DET
fbem-3631	69	8	culture	culture	NOUN
fbem-3631	69	9	and	and	CCONJ
fbem-3631	69	10	technology	technology	NOUN
fbem-3631	69	11	of	of	ADP
fbem-3631	69	12	the	the	DET
fbem-3631	69	13	two	two	NUM
fbem-3631	69	14	companies	company	NOUN
fbem-3631	69	15	has	have	AUX
fbem-3631	69	16	also	also	ADV
fbem-3631	69	17	become	become	VERB
fbem-3631	69	18	a	a	DET
fbem-3631	69	19	challenge	challenge	NOUN
fbem-3631	69	20	.	.	PUNCT
fbem-3631	70	1	the	the	DET
fbem-3631	70	2	cultural	cultural	ADJ
fbem-3631	70	3	background	background	NOUN
fbem-3631	70	4	of	of	ADP
fbem-3631	70	5	the	the	DET
fbem-3631	70	6	two	two	NUM
fbem-3631	70	7	companies	company	NOUN
fbem-3631	70	8	is	be	AUX
fbem-3631	70	9	different	different	ADJ
fbem-3631	70	10	.	.	PUNCT
fbem-3631	71	1	if	if	SCONJ
fbem-3631	71	2	financial	financial	ADJ
fbem-3631	71	3	companies	company	NOUN
fbem-3631	71	4	are	be	AUX
fbem-3631	71	5	faced	face	VERB
fbem-3631	71	6	with	with	ADP
fbem-3631	71	7	a	a	DET
fbem-3631	71	8	shortage	shortage	NOUN
fbem-3631	71	9	of	of	ADP
fbem-3631	71	10	technical	technical	ADJ
fbem-3631	71	11	talents	talent	NOUN
fbem-3631	71	12	,	,	PUNCT
fbem-3631	71	13	they	they	PRON
fbem-3631	71	14	may	may	AUX
fbem-3631	71	15	need	need	VERB
fbem-3631	71	16	better	well	ADJ
fbem-3631	71	17	management	management	NOUN
fbem-3631	71	18	when	when	SCONJ
fbem-3631	71	19	managing	manage	VERB
fbem-3631	71	20	the	the	DET
fbem-3631	71	21	acquired	acquire	VERB
fbem-3631	71	22	fintech	fintech	NOUN
fbem-3631	71	23	company	company	NOUN
fbem-3631	71	24	.	.	PUNCT
fbem-3631	72	1	2.3	2.3	NUM
fbem-3631	72	2	.	.	PUNCT
fbem-3631	73	1	fintech	fintech	NOUN
fbem-3631	73	2	transformation	transformation	NOUN
fbem-3631	73	3	developing	develop	VERB
fbem-3631	73	4	the	the	DET
fbem-3631	73	5	company	company	NOUN
fbem-3631	73	6	's	's	PART
fbem-3631	73	7	it	it	PRON
fbem-3631	73	8	to	to	PART
fbem-3631	73	9	transform	transform	VERB
fbem-3631	73	10	itself	itself	PRON
fbem-3631	73	11	into	into	ADP
fbem-3631	73	12	a	a	DET
fbem-3631	73	13	fintech	fintech	NOUN
fbem-3631	73	14	firm	firm	NOUN
fbem-3631	73	15	is	be	AUX
fbem-3631	73	16	also	also	ADV
fbem-3631	73	17	a	a	DET
fbem-3631	73	18	choice	choice	NOUN
fbem-3631	73	19	.	.	PUNCT
fbem-3631	74	1	city	city	NOUN
fbem-3631	74	2	(	(	PUNCT
fbem-3631	74	3	2016	2016	NUM
fbem-3631	74	4	)	)	PUNCT
fbem-3631	74	5	indicates	indicate	VERB
fbem-3631	74	6	that	that	SCONJ
fbem-3631	74	7	most	most	ADJ
fbem-3631	74	8	of	of	ADP
fbem-3631	74	9	the	the	DET
fbem-3631	74	10	bank	bank	NOUN
fbem-3631	74	11	's	's	PART
fbem-3631	74	12	it	it	PRON
fbem-3631	74	13	expenditure	expenditure	NOUN
fbem-3631	74	14	accounts	account	NOUN
fbem-3631	74	15	for	for	ADP
fbem-3631	74	16	a	a	DET
fbem-3631	74	17	considerable	considerable	ADJ
fbem-3631	74	18	part	part	NOUN
fbem-3631	74	19	of	of	ADP
fbem-3631	74	20	the	the	DET
fbem-3631	74	21	total	total	ADJ
fbem-3631	74	22	expenditure	expenditure	NOUN
fbem-3631	74	23	.	.	PUNCT
fbem-3631	75	1	the	the	DET
fbem-3631	75	2	number	number	NOUN
fbem-3631	75	3	of	of	ADP
fbem-3631	75	4	it	it	PRON
fbem-3631	75	5	staff	staff	NOUN
fbem-3631	75	6	is	be	AUX
fbem-3631	75	7	also	also	ADV
fbem-3631	75	8	huge	huge	ADJ
fbem-3631	75	9	,	,	PUNCT
fbem-3631	75	10	which	which	PRON
fbem-3631	75	11	shows	show	VERB
fbem-3631	75	12	that	that	SCONJ
fbem-3631	75	13	the	the	DET
fbem-3631	75	14	bank	bank	NOUN
fbem-3631	75	15	's	's	PART
fbem-3631	75	16	technological	technological	ADJ
fbem-3631	75	17	transformation	transformation	NOUN
fbem-3631	75	18	has	have	VERB
fbem-3631	75	19	a	a	DET
fbem-3631	75	20	particular	particular	ADJ
fbem-3631	75	21	foundation	foundation	NOUN
fbem-3631	75	22	.	.	PUNCT
fbem-3631	76	1	so	so	ADV
fbem-3631	76	2	,	,	PUNCT
fbem-3631	76	3	banks	bank	NOUN
fbem-3631	76	4	only	only	ADV
fbem-3631	76	5	need	need	VERB
fbem-3631	76	6	to	to	PART
fbem-3631	76	7	continue	continue	VERB
fbem-3631	76	8	to	to	PART
fbem-3631	76	9	develop	develop	VERB
fbem-3631	76	10	technology	technology	NOUN
fbem-3631	76	11	to	to	PART
fbem-3631	76	12	achieve	achieve	VERB
fbem-3631	76	13	change	change	NOUN
fbem-3631	76	14	.	.	PUNCT
fbem-3631	77	1	firm	firm	ADJ
fbem-3631	77	2	transformation	transformation	NOUN
fbem-3631	77	3	can	can	AUX
fbem-3631	77	4	also	also	ADV
fbem-3631	77	5	lay	lay	VERB
fbem-3631	77	6	the	the	DET
fbem-3631	77	7	foundation	foundation	NOUN
fbem-3631	77	8	for	for	ADP
fbem-3631	77	9	long	long	ADJ
fbem-3631	77	10	-	-	PUNCT
fbem-3631	77	11	term	term	NOUN
fbem-3631	77	12	development	development	NOUN
fbem-3631	77	13	(	(	PUNCT
fbem-3631	77	14	kaschny	kaschny	NOUN
fbem-3631	77	15	and	and	CCONJ
fbem-3631	77	16	nolden	nolden	ADJ
fbem-3631	77	17	,	,	PUNCT
fbem-3631	77	18	2018	2018	NUM
fbem-3631	77	19	)	)	PUNCT
fbem-3631	77	20	.	.	PUNCT
fbem-3631	78	1	in	in	ADP
fbem-3631	78	2	addition	addition	NOUN
fbem-3631	78	3	,	,	PUNCT
fbem-3631	78	4	after	after	ADP
fbem-3631	78	5	selftransformation	selftransformation	NOUN
fbem-3631	78	6	,	,	PUNCT
fbem-3631	78	7	compared	compare	VERB
fbem-3631	78	8	with	with	ADP
fbem-3631	78	9	the	the	DET
fbem-3631	78	10	acquisition	acquisition	NOUN
fbem-3631	78	11	of	of	ADP
fbem-3631	78	12	other	other	ADJ
fbem-3631	78	13	companies	company	NOUN
fbem-3631	78	14	,	,	PUNCT
fbem-3631	78	15	the	the	DET
fbem-3631	78	16	management	management	NOUN
fbem-3631	78	17	may	may	AUX
fbem-3631	78	18	know	know	VERB
fbem-3631	78	19	more	more	ADJ
fbem-3631	78	20	about	about	ADP
fbem-3631	78	21	the	the	DET
fbem-3631	78	22	company	company	NOUN
fbem-3631	78	23	,	,	PUNCT
fbem-3631	78	24	and	and	CCONJ
fbem-3631	78	25	the	the	DET
fbem-3631	78	26	company	company	NOUN
fbem-3631	78	27	may	may	AUX
fbem-3631	78	28	be	be	AUX
fbem-3631	78	29	more	more	ADV
fbem-3631	78	30	convenient	convenient	ADJ
fbem-3631	78	31	to	to	PART
fbem-3631	78	32	be	be	AUX
fbem-3631	78	33	managed	manage	VERB
fbem-3631	78	34	.	.	PUNCT
fbem-3631	79	1	what	what	PRON
fbem-3631	79	2	the	the	DET
fbem-3631	79	3	company	company	NOUN
fbem-3631	79	4	is	be	AUX
fbem-3631	79	5	facing	face	VERB
fbem-3631	79	6	is	be	AUX
fbem-3631	79	7	not	not	PART
fbem-3631	79	8	a	a	DET
fbem-3631	79	9	strange	strange	ADJ
fbem-3631	79	10	environment	environment	NOUN
fbem-3631	79	11	and	and	CCONJ
fbem-3631	79	12	different	different	ADJ
fbem-3631	79	13	culture	culture	NOUN
fbem-3631	79	14	.	.	PUNCT
fbem-3631	80	1	these	these	PRON
fbem-3631	80	2	are	be	AUX
fbem-3631	80	3	the	the	DET
fbem-3631	80	4	benefits	benefit	NOUN
fbem-3631	80	5	that	that	PRON
fbem-3631	80	6	self	self	NOUN
fbem-3631	80	7	-	-	PUNCT
fbem-3631	80	8	transformation	transformation	NOUN
fbem-3631	80	9	has	have	VERB
fbem-3631	80	10	.	.	PUNCT
fbem-3631	81	1	the	the	DET
fbem-3631	81	2	biggest	big	ADJ
fbem-3631	81	3	weakness	weakness	NOUN
fbem-3631	81	4	of	of	ADP
fbem-3631	81	5	fintech	fintech	NOUN
fbem-3631	81	6	transformation	transformation	NOUN
fbem-3631	81	7	is	be	AUX
fbem-3631	81	8	the	the	DET
fbem-3631	81	9	technical	technical	ADJ
fbem-3631	81	10	problem	problem	NOUN
fbem-3631	81	11	.	.	PUNCT
fbem-3631	82	1	traditional	traditional	ADJ
fbem-3631	82	2	financial	financial	ADJ
fbem-3631	82	3	companies	company	NOUN
fbem-3631	82	4	lack	lack	VERB
fbem-3631	82	5	the	the	DET
fbem-3631	82	6	technology	technology	NOUN
fbem-3631	82	7	to	to	PART
fbem-3631	82	8	realize	realize	VERB
fbem-3631	82	9	fintech	fintech	NOUN
fbem-3631	82	10	transformation	transformation	NOUN
fbem-3631	82	11	and	and	CCONJ
fbem-3631	82	12	lack	lack	NOUN
fbem-3631	82	13	advanced	advance	VERB
fbem-3631	82	14	it	it	PRON
fbem-3631	82	15	infrastructure	infrastructure	NOUN
fbem-3631	82	16	and	and	CCONJ
fbem-3631	82	17	technicians	technician	NOUN
fbem-3631	82	18	.	.	PUNCT
fbem-3631	83	1	the	the	DET
fbem-3631	83	2	transformation	transformation	NOUN
fbem-3631	83	3	speed	speed	NOUN
fbem-3631	83	4	may	may	AUX
fbem-3631	83	5	be	be	AUX
fbem-3631	83	6	lower	low	ADJ
fbem-3631	83	7	than	than	ADP
fbem-3631	83	8	the	the	DET
fbem-3631	83	9	direct	direct	ADJ
fbem-3631	83	10	acquisition	acquisition	NOUN
fbem-3631	83	11	.	.	PUNCT
fbem-3631	84	1	another	another	DET
fbem-3631	84	2	problem	problem	NOUN
fbem-3631	84	3	is	be	AUX
fbem-3631	84	4	the	the	DET
fbem-3631	84	5	need	need	NOUN
fbem-3631	84	6	for	for	ADP
fbem-3631	84	7	a	a	DET
fbem-3631	84	8	cross	cross	ADJ
fbem-3631	84	9	-	-	ADJ
fbem-3631	84	10	department	department	ADJ
fbem-3631	84	11	coordination	coordination	NOUN
fbem-3631	84	12	mechanism	mechanism	NOUN
fbem-3631	84	13	.	.	PUNCT
fbem-3631	85	1	most	most	ADJ
fbem-3631	85	2	departments	department	NOUN
fbem-3631	85	3	of	of	ADP
fbem-3631	85	4	financial	financial	ADJ
fbem-3631	85	5	companies	company	NOUN
fbem-3631	85	6	have	have	AUX
fbem-3631	85	7	been	be	AUX
fbem-3631	85	8	traditional	traditional	ADJ
fbem-3631	85	9	departments	department	NOUN
fbem-3631	85	10	for	for	ADP
fbem-3631	85	11	a	a	DET
fbem-3631	85	12	long	long	ADJ
fbem-3631	85	13	time	time	NOUN
fbem-3631	85	14	.	.	PUNCT
fbem-3631	86	1	facing	face	VERB
fbem-3631	86	2	the	the	DET
fbem-3631	86	3	company	company	NOUN
fbem-3631	86	4	's	's	PART
fbem-3631	86	5	new	new	ADJ
fbem-3631	86	6	it	it	PRON
fbem-3631	86	7	department	department	NOUN
fbem-3631	86	8	,	,	PUNCT
fbem-3631	86	9	the	the	DET
fbem-3631	86	10	coordination	coordination	NOUN
fbem-3631	86	11	ability	ability	NOUN
fbem-3631	86	12	between	between	ADP
fbem-3631	86	13	various	various	ADJ
fbem-3631	86	14	departments	department	NOUN
fbem-3631	86	15	is	be	AUX
fbem-3631	86	16	limited	limit	VERB
fbem-3631	86	17	due	due	ADP
fbem-3631	86	18	to	to	ADP
fbem-3631	86	19	different	different	ADJ
fbem-3631	86	20	management	management	NOUN
fbem-3631	86	21	mechanisms	mechanism	NOUN
fbem-3631	86	22	and	and	CCONJ
fbem-3631	86	23	operation	operation	NOUN
fbem-3631	86	24	modes	mode	NOUN
fbem-3631	86	25	.	.	PUNCT
fbem-3631	87	1	2.4	2.4	NUM
fbem-3631	87	2	.	.	X
fbem-3631	87	3	cooperate	cooperate	VERB
fbem-3631	87	4	with	with	ADP
fbem-3631	87	5	fintech	fintech	NOUN
fbem-3631	87	6	firm	firm	NOUN
fbem-3631	87	7	traditional	traditional	ADJ
fbem-3631	87	8	financial	financial	ADJ
fbem-3631	87	9	companies	company	NOUN
fbem-3631	87	10	have	have	VERB
fbem-3631	87	11	many	many	ADJ
fbem-3631	87	12	advantages	advantage	NOUN
fbem-3631	87	13	in	in	ADP
fbem-3631	87	14	cooperating	cooperate	VERB
fbem-3631	87	15	with	with	ADP
fbem-3631	87	16	a	a	DET
fbem-3631	87	17	fintech	fintech	NOUN
fbem-3631	87	18	company	company	NOUN
fbem-3631	87	19	.	.	PUNCT
fbem-3631	88	1	the	the	DET
fbem-3631	88	2	most	most	ADV
fbem-3631	88	3	crucial	crucial	ADJ
fbem-3631	88	4	point	point	NOUN
fbem-3631	88	5	is	be	AUX
fbem-3631	88	6	that	that	SCONJ
fbem-3631	88	7	they	they	PRON
fbem-3631	88	8	can	can	AUX
fbem-3631	88	9	work	work	VERB
fbem-3631	88	10	together	together	ADV
fbem-3631	88	11	to	to	PART
fbem-3631	88	12	produce	produce	VERB
fbem-3631	88	13	synergy	synergy	NOUN
fbem-3631	88	14	and	and	CCONJ
fbem-3631	88	15	achieve	achieve	VERB
fbem-3631	88	16	a	a	DET
fbem-3631	88	17	win	win	NOUN
fbem-3631	88	18	-	-	PUNCT
fbem-3631	88	19	win	win	NOUN
fbem-3631	88	20	situation	situation	NOUN
fbem-3631	88	21	.	.	PUNCT
fbem-3631	89	1	for	for	ADP
fbem-3631	89	2	example	example	NOUN
fbem-3631	89	3	,	,	PUNCT
fbem-3631	89	4	the	the	DET
fbem-3631	89	5	bank	bank	NOUN
fbem-3631	89	6	is	be	AUX
fbem-3631	89	7	responsible	responsible	ADJ
fbem-3631	89	8	for	for	ADP
fbem-3631	89	9	loans	loan	NOUN
fbem-3631	89	10	,	,	PUNCT
fbem-3631	89	11	and	and	CCONJ
fbem-3631	89	12	fintech	fintech	NOUN
fbem-3631	89	13	is	be	AUX
fbem-3631	89	14	responsible	responsible	ADJ
fbem-3631	89	15	for	for	ADP
fbem-3631	89	16	risk	risk	NOUN
fbem-3631	89	17	assessment	assessment	NOUN
fbem-3631	89	18	with	with	ADP
fbem-3631	89	19	information	information	NOUN
fbem-3631	89	20	technology	technology	NOUN
fbem-3631	89	21	.	.	PUNCT
fbem-3631	90	1	another	another	DET
fbem-3631	90	2	advantage	advantage	NOUN
fbem-3631	90	3	is	be	AUX
fbem-3631	90	4	that	that	SCONJ
fbem-3631	90	5	the	the	DET
fbem-3631	90	6	risk	risk	NOUN
fbem-3631	90	7	of	of	ADP
fbem-3631	90	8	this	this	DET
fbem-3631	90	9	cooperation	cooperation	NOUN
fbem-3631	90	10	is	be	AUX
fbem-3631	90	11	small	small	ADJ
fbem-3631	90	12	.	.	PUNCT
fbem-3631	91	1	both	both	DET
fbem-3631	91	2	sides	side	NOUN
fbem-3631	91	3	can	can	AUX
fbem-3631	91	4	use	use	VERB
fbem-3631	91	5	the	the	DET
fbem-3631	91	6	existing	exist	VERB
fbem-3631	91	7	resources	resource	NOUN
fbem-3631	91	8	to	to	PART
fbem-3631	91	9	play	play	VERB
fbem-3631	91	10	their	their	PRON
fbem-3631	91	11	benefits	benefit	NOUN
fbem-3631	91	12	in	in	ADP
fbem-3631	91	13	collaboration	collaboration	NOUN
fbem-3631	91	14	.	.	PUNCT
fbem-3631	92	1	since	since	SCONJ
fbem-3631	92	2	investment	investment	NOUN
fbem-3631	92	3	has	have	VERB
fbem-3631	92	4	risks	risk	NOUN
fbem-3631	92	5	,	,	PUNCT
fbem-3631	92	6	they	they	PRON
fbem-3631	92	7	only	only	ADV
fbem-3631	92	8	need	need	VERB
fbem-3631	92	9	to	to	PART
fbem-3631	92	10	spend	spend	VERB
fbem-3631	92	11	money	money	NOUN
fbem-3631	92	12	to	to	PART
fbem-3631	92	13	invest	invest	VERB
fbem-3631	92	14	or	or	CCONJ
fbem-3631	92	15	develop	develop	VERB
fbem-3631	92	16	a	a	DET
fbem-3631	92	17	field	field	NOUN
fbem-3631	92	18	they	they	PRON
fbem-3631	92	19	could	could	AUX
fbem-3631	92	20	be	be	AUX
fbem-3631	92	21	better	well	ADJ
fbem-3631	92	22	at	at	ADP
fbem-3631	92	23	.	.	PUNCT
fbem-3631	93	1	however	however	ADV
fbem-3631	93	2	,	,	PUNCT
fbem-3631	93	3	the	the	DET
fbem-3631	93	4	current	current	ADJ
fbem-3631	93	5	situation	situation	NOUN
fbem-3631	93	6	is	be	AUX
fbem-3631	93	7	that	that	SCONJ
fbem-3631	93	8	many	many	ADJ
fbem-3631	93	9	banks	bank	NOUN
fbem-3631	93	10	need	need	VERB
fbem-3631	93	11	to	to	PART
fbem-3631	93	12	transform	transform	VERB
fbem-3631	93	13	,	,	PUNCT
fbem-3631	93	14	and	and	CCONJ
fbem-3631	93	15	fintech	fintech	NOUN
fbem-3631	93	16	company	company	NOUN
fbem-3631	93	17	is	be	AUX
fbem-3631	93	18	a	a	DET
fbem-3631	93	19	hot	hot	ADJ
fbem-3631	93	20	spot	spot	NOUN
fbem-3631	93	21	.	.	PUNCT
fbem-3631	94	1	therefore	therefore	ADV
fbem-3631	94	2	,	,	PUNCT
fbem-3631	94	3	when	when	SCONJ
fbem-3631	94	4	many	many	ADJ
fbem-3631	94	5	financial	financial	ADJ
fbem-3631	94	6	companies	company	NOUN
fbem-3631	94	7	seek	seek	VERB
fbem-3631	94	8	cooperation	cooperation	NOUN
fbem-3631	94	9	,	,	PUNCT
fbem-3631	94	10	fintech	fintech	NOUN
fbem-3631	94	11	companies	company	NOUN
fbem-3631	94	12	can	can	AUX
fbem-3631	94	13	choose	choose	VERB
fbem-3631	94	14	to	to	PART
fbem-3631	94	15	cooperate	cooperate	VERB
fbem-3631	94	16	with	with	ADP
fbem-3631	94	17	more	more	ADJ
fbem-3631	94	18	high	high	ADJ
fbem-3631	94	19	-	-	PUNCT
fbem-3631	94	20	quality	quality	NOUN
fbem-3631	94	21	companies	company	NOUN
fbem-3631	94	22	so	so	SCONJ
fbem-3631	94	23	that	that	SCONJ
fbem-3631	94	24	traditional	traditional	ADJ
fbem-3631	94	25	financial	financial	ADJ
fbem-3631	94	26	companies	company	NOUN
fbem-3631	94	27	may	may	AUX
fbem-3631	94	28	face	face	VERB
fbem-3631	94	29	tremendous	tremendous	ADJ
fbem-3631	94	30	competitive	competitive	ADJ
fbem-3631	94	31	pressure	pressure	NOUN
fbem-3631	94	32	.	.	PUNCT
fbem-3631	95	1	in	in	ADP
fbem-3631	95	2	addition	addition	NOUN
fbem-3631	95	3	,	,	PUNCT
fbem-3631	95	4	if	if	SCONJ
fbem-3631	95	5	fintech	fintech	NOUN
fbem-3631	95	6	and	and	CCONJ
fbem-3631	95	7	financial	financial	ADJ
fbem-3631	95	8	companies	company	NOUN
fbem-3631	95	9	only	only	ADV
fbem-3631	95	10	cooperate	cooperate	VERB
fbem-3631	95	11	for	for	ADP
fbem-3631	95	12	the	the	DET
fbem-3631	95	13	sake	sake	NOUN
fbem-3631	95	14	of	of	ADP
fbem-3631	95	15	interests	interest	NOUN
fbem-3631	95	16	,	,	PUNCT
fbem-3631	95	17	and	and	CCONJ
fbem-3631	95	18	the	the	DET
fbem-3631	95	19	cultural	cultural	ADJ
fbem-3631	95	20	differences	difference	NOUN
fbem-3631	95	21	are	be	AUX
fbem-3631	95	22	too	too	ADV
fbem-3631	95	23	significant	significant	ADJ
fbem-3631	95	24	,	,	PUNCT
fbem-3631	95	25	it	it	PRON
fbem-3631	95	26	may	may	AUX
fbem-3631	95	27	cause	cause	VERB
fbem-3631	95	28	disputes	dispute	NOUN
fbem-3631	95	29	between	between	ADP
fbem-3631	95	30	the	the	DET
fbem-3631	95	31	management	management	NOUN
fbem-3631	95	32	and	and	CCONJ
fbem-3631	95	33	eventually	eventually	ADV
fbem-3631	95	34	even	even	ADV
fbem-3631	95	35	cause	cause	VERB
fbem-3631	95	36	conflicts	conflict	NOUN
fbem-3631	95	37	of	of	ADP
fbem-3631	95	38	interest	interest	NOUN
fbem-3631	95	39	and	and	CCONJ
fbem-3631	95	40	economic	economic	ADJ
fbem-3631	95	41	losses	loss	NOUN
fbem-3631	95	42	,	,	PUNCT
fbem-3631	95	43	and	and	CCONJ
fbem-3631	95	44	their	their	PRON
fbem-3631	95	45	cooperation	cooperation	NOUN
fbem-3631	95	46	may	may	AUX
fbem-3631	95	47	only	only	ADV
fbem-3631	95	48	last	last	VERB
fbem-3631	95	49	for	for	ADP
fbem-3631	95	50	a	a	DET
fbem-3631	95	51	while	while	NOUN
fbem-3631	95	52	.	.	PUNCT
fbem-3631	96	1	3	3	X
fbem-3631	96	2	.	.	X
fbem-3631	96	3	recommendations	recommendation	NOUN
fbem-3631	96	4	and	and	CCONJ
fbem-3631	96	5	conclusion	conclusion	NOUN
fbem-3631	96	6	with	with	ADP
fbem-3631	96	7	the	the	DET
fbem-3631	96	8	progress	progress	NOUN
fbem-3631	96	9	of	of	ADP
fbem-3631	96	10	society	society	NOUN
fbem-3631	96	11	and	and	CCONJ
fbem-3631	96	12	the	the	DET
fbem-3631	96	13	popularity	popularity	NOUN
fbem-3631	96	14	of	of	ADP
fbem-3631	96	15	the	the	DET
fbem-3631	96	16	internet	internet	NOUN
fbem-3631	96	17	,	,	PUNCT
fbem-3631	96	18	fintech	fintech	NOUN
fbem-3631	96	19	has	have	AUX
fbem-3631	96	20	gradually	gradually	ADV
fbem-3631	96	21	dominated	dominate	VERB
fbem-3631	96	22	the	the	DET
fbem-3631	96	23	market	market	NOUN
fbem-3631	96	24	and	and	CCONJ
fbem-3631	96	25	people	people	NOUN
fbem-3631	96	26	's	's	PART
fbem-3631	96	27	lives	life	NOUN
fbem-3631	96	28	.	.	PUNCT
fbem-3631	97	1	fintech	fintech	NOUN
fbem-3631	97	2	has	have	AUX
fbem-3631	97	3	not	not	PART
fbem-3631	97	4	only	only	ADV
fbem-3631	97	5	changed	change	VERB
fbem-3631	97	6	people	people	NOUN
fbem-3631	97	7	's	's	PART
fbem-3631	97	8	lives	life	NOUN
fbem-3631	97	9	but	but	CCONJ
fbem-3631	97	10	also	also	ADV
fbem-3631	97	11	promoted	promote	VERB
fbem-3631	97	12	economic	economic	ADJ
fbem-3631	97	13	development	development	NOUN
fbem-3631	97	14	.	.	PUNCT
fbem-3631	98	1	this	this	PRON
fbem-3631	98	2	is	be	AUX
fbem-3631	98	3	the	the	DET
fbem-3631	98	4	future	future	ADJ
fbem-3631	98	5	trend	trend	NOUN
fbem-3631	98	6	.	.	PUNCT
fbem-3631	99	1	in	in	ADP
fbem-3631	99	2	the	the	DET
fbem-3631	99	3	wave	wave	NOUN
fbem-3631	99	4	of	of	ADP
fbem-3631	99	5	fintech	fintech	NOUN
fbem-3631	99	6	,	,	PUNCT
fbem-3631	99	7	partnering	partner	VERB
fbem-3631	99	8	with	with	ADP
fbem-3631	99	9	a	a	DET
fbem-3631	99	10	fintech	fintech	NOUN
fbem-3631	99	11	firm	firm	NOUN
fbem-3631	99	12	may	may	AUX
fbem-3631	99	13	be	be	AUX
fbem-3631	99	14	the	the	DET
fbem-3631	99	15	best	good	ADJ
fbem-3631	99	16	choice	choice	NOUN
fbem-3631	99	17	for	for	ADP
fbem-3631	99	18	traditional	traditional	ADJ
fbem-3631	99	19	financial	financial	ADJ
fbem-3631	99	20	companies	company	NOUN
fbem-3631	99	21	based	base	VERB
fbem-3631	99	22	on	on	ADP
fbem-3631	99	23	the	the	DET
fbem-3631	99	24	above	above	ADJ
fbem-3631	99	25	suggestions	suggestion	NOUN
fbem-3631	99	26	.	.	PUNCT
fbem-3631	100	1	maintaining	maintain	VERB
fbem-3631	100	2	the	the	DET
fbem-3631	100	3	status	status	NOUN
fbem-3631	100	4	quo	quo	NOUN
fbem-3631	100	5	in	in	ADP
fbem-3631	100	6	the	the	DET
fbem-3631	100	7	industry	industry	NOUN
fbem-3631	100	8	may	may	AUX
fbem-3631	100	9	be	be	AUX
fbem-3631	100	10	eliminated	eliminate	VERB
fbem-3631	100	11	by	by	ADP
fbem-3631	100	12	the	the	DET
fbem-3631	100	13	times	time	NOUN
fbem-3631	100	14	,	,	PUNCT
fbem-3631	100	15	the	the	DET
fbem-3631	100	16	cost	cost	NOUN
fbem-3631	100	17	of	of	ADP
fbem-3631	100	18	acquiring	acquire	VERB
fbem-3631	100	19	a	a	DET
fbem-3631	100	20	fintech	fintech	NOUN
fbem-3631	100	21	company	company	NOUN
fbem-3631	100	22	is	be	AUX
fbem-3631	100	23	too	too	ADV
fbem-3631	100	24	high	high	ADJ
fbem-3631	100	25	,	,	PUNCT
fbem-3631	100	26	and	and	CCONJ
fbem-3631	100	27	the	the	DET
fbem-3631	100	28	technical	technical	ADJ
fbem-3631	100	29	requirements	requirement	NOUN
fbem-3631	100	30	for	for	ADP
fbem-3631	100	31	completing	complete	VERB
fbem-3631	100	32	a	a	DET
fbem-3631	100	33	fintech	fintech	NOUN
fbem-3631	100	34	transformation	transformation	NOUN
fbem-3631	100	35	are	be	AUX
fbem-3631	100	36	too	too	ADV
fbem-3631	100	37	high	high	ADJ
fbem-3631	100	38	.	.	PUNCT
fbem-3631	101	1	for	for	ADP
fbem-3631	101	2	most	most	ADJ
fbem-3631	101	3	companies	company	NOUN
fbem-3631	101	4	in	in	ADP
fbem-3631	101	5	the	the	DET
fbem-3631	101	6	traditional	traditional	ADJ
fbem-3631	101	7	financial	financial	ADJ
fbem-3631	101	8	industry	industry	NOUN
fbem-3631	101	9	,	,	PUNCT
fbem-3631	101	10	such	such	ADJ
fbem-3631	101	11	as	as	ADP
fbem-3631	101	12	banks	bank	NOUN
fbem-3631	101	13	,	,	PUNCT
fbem-3631	101	14	cooperation	cooperation	NOUN
fbem-3631	101	15	with	with	ADP
fbem-3631	101	16	a	a	DET
fbem-3631	101	17	fintech	fintech	NOUN
fbem-3631	101	18	company	company	NOUN
fbem-3631	101	19	is	be	AUX
fbem-3631	101	20	the	the	DET
fbem-3631	101	21	least	least	ADV
fbem-3631	101	22	risky	risky	ADJ
fbem-3631	101	23	way	way	NOUN
fbem-3631	101	24	.	.	PUNCT
fbem-3631	102	1	only	only	ADV
fbem-3631	102	2	by	by	ADP
fbem-3631	102	3	learning	learn	VERB
fbem-3631	102	4	from	from	ADP
fbem-3631	102	5	other	other	ADJ
fbem-3631	102	6	firms	firm	NOUN
fbem-3631	102	7	'	'	PART
fbem-3631	102	8	strong	strong	ADJ
fbem-3631	102	9	points	point	NOUN
fbem-3631	102	10	can	can	AUX
fbem-3631	102	11	they	they	PRON
fbem-3631	102	12	achieve	achieve	VERB
fbem-3631	102	13	a	a	DET
fbem-3631	102	14	win	win	NOUN
fbem-3631	102	15	-	-	PUNCT
fbem-3631	102	16	win	win	NOUN
fbem-3631	102	17	situation	situation	NOUN
fbem-3631	102	18	,	,	PUNCT
fbem-3631	102	19	conform	conform	VERB
fbem-3631	102	20	to	to	ADP
fbem-3631	102	21	the	the	DET
fbem-3631	102	22	development	development	NOUN
fbem-3631	102	23	of	of	ADP
fbem-3631	102	24	the	the	DET
fbem-3631	102	25	times	time	NOUN
fbem-3631	102	26	and	and	CCONJ
fbem-3631	102	27	get	get	VERB
fbem-3631	102	28	a	a	DET
fbem-3631	102	29	better	well	ADJ
fbem-3631	102	30	future	future	NOUN
fbem-3631	102	31	.	.	PUNCT
fbem-3631	103	1	references	reference	NOUN
fbem-3631	103	2	[	[	X
fbem-3631	103	3	1	1	NUM
fbem-3631	103	4	]	]	X
fbem-3631	103	5	citi	citi	NOUN
fbem-3631	103	6	,	,	PUNCT
fbem-3631	103	7	2016	2016	NUM
fbem-3631	103	8	.	.	PUNCT
fbem-3631	104	1	digital	digital	ADJ
fbem-3631	104	2	disruption	disruption	NOUN
fbem-3631	104	3	.	.	PUNCT
fbem-3631	105	1	citi	citi	PROPN
fbem-3631	105	2	global	global	ADJ
fbem-3631	105	3	perspectives	perspective	NOUN
fbem-3631	105	4	solutions	solution	NOUN
fbem-3631	105	5	.	.	PUNCT
fbem-3631	106	1	[	[	X
fbem-3631	106	2	2	2	NUM
fbem-3631	106	3	]	]	PUNCT
fbem-3631	106	4	goldfinch	goldfinch	NOUN
fbem-3631	106	5	,	,	PUNCT
fbem-3631	106	6	p.	p.	NOUN
fbem-3631	106	7	&	&	CCONJ
fbem-3631	106	8	proquest	proquest	PROPN
fbem-3631	106	9	,	,	PUNCT
fbem-3631	106	10	2019	2019	NUM
fbem-3631	106	11	.	.	PUNCT
fbem-3631	107	1	a	a	DET
fbem-3631	107	2	global	global	ADJ
fbem-3631	107	3	guide	guide	NOUN
fbem-3631	107	4	to	to	ADP
fbem-3631	107	5	fintech	fintech	NOUN
fbem-3631	107	6	and	and	CCONJ
fbem-3631	107	7	future	future	ADJ
fbem-3631	107	8	payment	payment	NOUN
fbem-3631	107	9	trends	trend	NOUN
fbem-3631	107	10	,	,	PUNCT
fbem-3631	107	11	abingdon	abingdon	PROPN
fbem-3631	107	12	,	,	PUNCT
fbem-3631	107	13	oxon	oxon	PROPN
fbem-3631	107	14	;	;	PUNCT
fbem-3631	107	15	new	new	PROPN
fbem-3631	107	16	york	york	PROPN
fbem-3631	107	17	,	,	PUNCT
fbem-3631	107	18	ny	ny	PROPN
fbem-3631	107	19	:	:	PUNCT
fbem-3631	107	20	routledge	routledge	PROPN
fbem-3631	107	21	[	[	X
fbem-3631	107	22	3	3	NUM
fbem-3631	107	23	]	]	X
fbem-3631	107	24	hill	hill	PROPN
fbem-3631	107	25	,	,	PUNCT
fbem-3631	107	26	j.	j.	PROPN
fbem-3631	107	27	,	,	PUNCT
fbem-3631	107	28	2018	2018	NUM
fbem-3631	107	29	.	.	PUNCT
fbem-3631	108	1	fintech	fintech	NOUN
fbem-3631	108	2	and	and	CCONJ
fbem-3631	108	3	the	the	DET
fbem-3631	108	4	remaking	remaking	NOUN
fbem-3631	108	5	of	of	ADP
fbem-3631	108	6	financial	financial	ADJ
fbem-3631	108	7	institutions	institution	NOUN
fbem-3631	108	8	,	,	PUNCT
fbem-3631	108	9	london	london	PROPN
fbem-3631	108	10	:	:	PUNCT
fbem-3631	108	11	academic	academic	ADJ
fbem-3631	108	12	press	press	NOUN
fbem-3631	108	13	,	,	PUNCT
fbem-3631	108	14	an	an	DET
fbem-3631	108	15	imprint	imprint	NOUN
fbem-3631	108	16	of	of	ADP
fbem-3631	108	17	elsevier	elsevier	NOUN
fbem-3631	108	18	.	.	PUNCT
fbem-3631	109	1	[	[	X
fbem-3631	109	2	4	4	NUM
fbem-3631	109	3	]	]	X
fbem-3631	109	4	kaschny	kaschny	PROPN
fbem-3631	109	5	,	,	PUNCT
fbem-3631	109	6	m.	m.	NOUN
fbem-3631	109	7	&	&	CCONJ
fbem-3631	109	8	nolden	nolden	PROPN
fbem-3631	109	9	,	,	PUNCT
fbem-3631	109	10	m.	m.	NOUN
fbem-3631	109	11	(	(	PUNCT
fbem-3631	109	12	2018	2018	NUM
fbem-3631	109	13	)	)	PUNCT
fbem-3631	109	14	innovation	innovation	NOUN
fbem-3631	109	15	and	and	CCONJ
fbem-3631	109	16	transformation	transformation	NOUN
fbem-3631	109	17	basics	basic	NOUN
fbem-3631	109	18	,	,	PUNCT
fbem-3631	109	19	implementation	implementation	NOUN
fbem-3631	109	20	and	and	CCONJ
fbem-3631	109	21	optimization	optimization	NOUN
fbem-3631	109	22	.	.	PUNCT
fbem-3631	110	1	1st	1st	ADJ
fbem-3631	110	2	ed	ed	NOUN
fbem-3631	110	3	.	.	PROPN
fbem-3631	111	1	2018	2018	NUM
fbem-3631	111	2	.	.	PUNCT
fbem-3631	112	1	[	[	X
fbem-3631	112	2	online	online	X
fbem-3631	112	3	]	]	X
fbem-3631	112	4	.	.	PUNCT
fbem-3631	113	1	cham	cham	PROPN
fbem-3631	113	2	:	:	PUNCT
fbem-3631	113	3	springer	springer	NOUN
fbem-3631	113	4	international	international	ADJ
fbem-3631	113	5	publishing	publishing	NOUN
fbem-3631	113	6	.	.	PUNCT
fbem-3631	114	1	[	[	X
fbem-3631	114	2	5	5	NUM
fbem-3631	114	3	]	]	X
fbem-3631	114	4	zeng	zeng	PROPN
fbem-3631	114	5	,	,	PUNCT
fbem-3631	114	6	m.	m.	PROPN
fbem-3631	114	7	&	&	CCONJ
fbem-3631	114	8	proquest	proquest	PROPN
fbem-3631	114	9	,	,	PUNCT
fbem-3631	114	10	2018	2018	NUM
fbem-3631	114	11	.	.	PUNCT
fbem-3631	114	12	smart	smart	ADJ
fbem-3631	114	13	business	business	NOUN
fbem-3631	114	14	:	:	PUNCT
fbem-3631	114	15	alibaba	alibaba	PROPN
fbem-3631	114	16	,	,	PUNCT
fbem-3631	114	17	the	the	DET
fbem-3631	114	18	future	future	NOUN
fbem-3631	114	19	of	of	ADP
fbem-3631	114	20	strategy	strategy	NOUN
fbem-3631	114	21	,	,	PUNCT
fbem-3631	114	22	and	and	CCONJ
fbem-3631	114	23	what	what	PRON
fbem-3631	114	24	it	it	PRON
fbem-3631	114	25	means	mean	VERB
fbem-3631	114	26	for	for	ADP
fbem-3631	114	27	you	you	PRON
fbem-3631	114	28	,	,	PUNCT
fbem-3631	114	29	boston	boston	PROPN
fbem-3631	114	30	,	,	PUNCT
fbem-3631	114	31	massachusetts	massachusetts	PROPN
fbem-3631	114	32	:	:	PUNCT
fbem-3631	114	33	harvard	harvard	PROPN
fbem-3631	114	34	business	business	PROPN
fbem-3631	114	35	review	review	PROPN
fbem-3631	114	36	press	press	NOUN
fbem-3631	114	37	.	.	PUNCT