id	sid	tid	token	lemma	pos
fbem-4885	1	1	frontiers	frontier	NOUN
fbem-4885	1	2	in	in	ADP
fbem-4885	1	3	business	business	NOUN
fbem-4885	1	4	,	,	PUNCT
fbem-4885	1	5	economics	economic	NOUN
fbem-4885	1	6	and	and	CCONJ
fbem-4885	1	7	management	management	NOUN
fbem-4885	1	8	issn	issn	PROPN
fbem-4885	1	9	:	:	PUNCT
fbem-4885	1	10	2766	2766	NUM
fbem-4885	1	11	-	-	PUNCT
fbem-4885	1	12	824x	824x	NUM
fbem-4885	1	13	|	|	ADJ
fbem-4885	1	14	vol	vol	NOUN
fbem-4885	1	15	.	.	PUNCT
fbem-4885	2	1	7	7	NUM
fbem-4885	2	2	,	,	PUNCT
fbem-4885	2	3	no	no	INTJ
fbem-4885	2	4	.	.	NOUN
fbem-4885	2	5	2	2	NUM
fbem-4885	2	6	,	,	PUNCT
fbem-4885	2	7	2023	2023	NUM
fbem-4885	2	8	155	155	NUM
fbem-4885	2	9	digital	digital	ADJ
fbem-4885	2	10	rmb	rmb	NOUN
fbem-4885	2	11	and	and	CCONJ
fbem-4885	2	12	its	its	PRON
fbem-4885	2	13	predecessor	predecessor	NOUN
fbem-4885	2	14	:	:	PUNCT
fbem-4885	2	15	a	a	DET
fbem-4885	2	16	comparison	comparison	NOUN
fbem-4885	2	17	with	with	ADP
fbem-4885	2	18	mobile	mobile	ADJ
fbem-4885	2	19	payment	payment	NOUN
fbem-4885	2	20	platforms	platform	NOUN
fbem-4885	2	21	zhenyu	zhenyu	PROPN
fbem-4885	2	22	jin1	jin1	PROPN
fbem-4885	2	23	,	,	PUNCT
fbem-4885	2	24	a	a	DET
fbem-4885	2	25	1zhonghuan	1zhonghuan	NUM
fbem-4885	2	26	information	information	NOUN
fbem-4885	2	27	college	college	NOUN
fbem-4885	2	28	,	,	PUNCT
fbem-4885	2	29	tianjin	tianjin	PROPN
fbem-4885	2	30	university	university	PROPN
fbem-4885	2	31	of	of	ADP
fbem-4885	2	32	technology	technology	PROPN
fbem-4885	2	33	,	,	PUNCT
fbem-4885	2	34	tianjin	tianjin	PROPN
fbem-4885	2	35	300380	300380	NUM
fbem-4885	2	36	,	,	PUNCT
fbem-4885	2	37	p.r	p.r	PROPN
fbem-4885	2	38	.	.	PROPN
fbem-4885	2	39	china	china	PROPN
fbem-4885	2	40	ajazety@apply.email.cn	ajazety@apply.email.cn	PROPN
fbem-4885	2	41	abstract	abstract	PROPN
fbem-4885	2	42	:	:	PUNCT
fbem-4885	2	43	while	while	SCONJ
fbem-4885	2	44	the	the	DET
fbem-4885	2	45	times	time	NOUN
fbem-4885	2	46	are	be	AUX
fbem-4885	2	47	developing	develop	VERB
fbem-4885	2	48	,	,	PUNCT
fbem-4885	2	49	the	the	DET
fbem-4885	2	50	means	mean	NOUN
fbem-4885	2	51	of	of	ADP
fbem-4885	2	52	payment	payment	NOUN
fbem-4885	2	53	are	be	AUX
fbem-4885	2	54	being	be	AUX
fbem-4885	2	55	upgraded	upgrade	VERB
fbem-4885	2	56	at	at	ADP
fbem-4885	2	57	the	the	DET
fbem-4885	2	58	same	same	ADJ
fbem-4885	2	59	time	time	NOUN
fbem-4885	2	60	.	.	PUNCT
fbem-4885	3	1	mobile	mobile	ADJ
fbem-4885	3	2	payment	payment	NOUN
fbem-4885	3	3	plays	play	VERB
fbem-4885	3	4	a	a	DET
fbem-4885	3	5	very	very	ADV
fbem-4885	3	6	important	important	ADJ
fbem-4885	3	7	role	role	NOUN
fbem-4885	3	8	in	in	ADP
fbem-4885	3	9	china	china	PROPN
fbem-4885	3	10	at	at	ADP
fbem-4885	3	11	this	this	DET
fbem-4885	3	12	stage	stage	NOUN
fbem-4885	3	13	,	,	PUNCT
fbem-4885	3	14	and	and	CCONJ
fbem-4885	3	15	is	be	AUX
fbem-4885	3	16	one	one	NUM
fbem-4885	3	17	of	of	ADP
fbem-4885	3	18	the	the	DET
fbem-4885	3	19	main	main	ADJ
fbem-4885	3	20	means	mean	NOUN
fbem-4885	3	21	of	of	ADP
fbem-4885	3	22	payment	payment	NOUN
fbem-4885	3	23	for	for	ADP
fbem-4885	3	24	daily	daily	ADJ
fbem-4885	3	25	consumption	consumption	NOUN
fbem-4885	3	26	,	,	PUNCT
fbem-4885	3	27	as	as	ADV
fbem-4885	3	28	well	well	ADV
fbem-4885	3	29	as	as	ADP
fbem-4885	3	30	an	an	DET
fbem-4885	3	31	integral	integral	ADJ
fbem-4885	3	32	part	part	NOUN
fbem-4885	3	33	of	of	ADP
fbem-4885	3	34	the	the	DET
fbem-4885	3	35	entire	entire	ADJ
fbem-4885	3	36	transaction	transaction	NOUN
fbem-4885	3	37	chain	chain	NOUN
fbem-4885	3	38	.	.	PUNCT
fbem-4885	4	1	as	as	ADP
fbem-4885	4	2	consumers	consumer	NOUN
fbem-4885	4	3	,	,	PUNCT
fbem-4885	4	4	how	how	SCONJ
fbem-4885	4	5	does	do	AUX
fbem-4885	4	6	the	the	DET
fbem-4885	4	7	emergence	emergence	NOUN
fbem-4885	4	8	of	of	ADP
fbem-4885	4	9	new	new	ADJ
fbem-4885	4	10	payment	payment	NOUN
fbem-4885	4	11	methods	method	NOUN
fbem-4885	4	12	affect	affect	VERB
fbem-4885	4	13	their	their	PRON
fbem-4885	4	14	consumption	consumption	NOUN
fbem-4885	4	15	?	?	PUNCT
fbem-4885	5	1	from	from	ADP
fbem-4885	5	2	an	an	DET
fbem-4885	5	3	economic	economic	ADJ
fbem-4885	5	4	point	point	NOUN
fbem-4885	5	5	of	of	ADP
fbem-4885	5	6	view	view	NOUN
fbem-4885	5	7	,	,	PUNCT
fbem-4885	5	8	the	the	DET
fbem-4885	5	9	price	price	NOUN
fbem-4885	5	10	of	of	ADP
fbem-4885	5	11	goods	good	NOUN
fbem-4885	5	12	and	and	CCONJ
fbem-4885	5	13	the	the	DET
fbem-4885	5	14	income	income	NOUN
fbem-4885	5	15	of	of	ADP
fbem-4885	5	16	consumers	consumer	NOUN
fbem-4885	5	17	affect	affect	VERB
fbem-4885	5	18	their	their	PRON
fbem-4885	5	19	consumption	consumption	NOUN
fbem-4885	5	20	behavior	behavior	NOUN
fbem-4885	5	21	,	,	PUNCT
fbem-4885	5	22	so	so	SCONJ
fbem-4885	5	23	in	in	ADP
fbem-4885	5	24	this	this	DET
fbem-4885	5	25	paper	paper	NOUN
fbem-4885	5	26	,	,	PUNCT
fbem-4885	5	27	mobile	mobile	ADJ
fbem-4885	5	28	payment	payment	NOUN
fbem-4885	5	29	is	be	AUX
fbem-4885	5	30	selected	select	VERB
fbem-4885	5	31	as	as	ADP
fbem-4885	5	32	a	a	DET
fbem-4885	5	33	case	case	NOUN
fbem-4885	5	34	study	study	NOUN
fbem-4885	5	35	from	from	ADP
fbem-4885	5	36	the	the	DET
fbem-4885	5	37	perspective	perspective	NOUN
fbem-4885	5	38	of	of	ADP
fbem-4885	5	39	payment	payment	NOUN
fbem-4885	5	40	methods	method	NOUN
fbem-4885	5	41	,	,	PUNCT
fbem-4885	5	42	and	and	CCONJ
fbem-4885	5	43	theoretical	theoretical	ADJ
fbem-4885	5	44	analysis	analysis	NOUN
fbem-4885	5	45	is	be	AUX
fbem-4885	5	46	made	make	VERB
fbem-4885	5	47	and	and	CCONJ
fbem-4885	5	48	suggestions	suggestion	NOUN
fbem-4885	5	49	are	be	AUX
fbem-4885	5	50	made	make	VERB
fbem-4885	5	51	to	to	PART
fbem-4885	5	52	optimize	optimize	VERB
fbem-4885	5	53	the	the	DET
fbem-4885	5	54	use	use	NOUN
fbem-4885	5	55	of	of	ADP
fbem-4885	5	56	digital	digital	ADJ
fbem-4885	5	57	rmb	rmb	NOUN
fbem-4885	5	58	from	from	ADP
fbem-4885	5	59	an	an	DET
fbem-4885	5	60	economic	economic	ADJ
fbem-4885	5	61	point	point	NOUN
fbem-4885	5	62	of	of	ADP
fbem-4885	5	63	view	view	NOUN
fbem-4885	5	64	.	.	PUNCT
fbem-4885	6	1	keywords	keyword	NOUN
fbem-4885	6	2	:	:	PUNCT
fbem-4885	6	3	mobile	mobile	ADJ
fbem-4885	6	4	payment	payment	NOUN
fbem-4885	6	5	,	,	PUNCT
fbem-4885	6	6	digital	digital	ADJ
fbem-4885	6	7	rmb	rmb	NOUN
fbem-4885	6	8	,	,	PUNCT
fbem-4885	6	9	alipay	alipay	PROPN
fbem-4885	6	10	,	,	PUNCT
fbem-4885	6	11	wechat	wechat	NOUN
fbem-4885	6	12	pay	pay	VERB
fbem-4885	6	13	.	.	PUNCT
fbem-4885	7	1	1	1	X
fbem-4885	7	2	.	.	X
fbem-4885	7	3	introduction	introduction	NOUN
fbem-4885	7	4	1.1	1.1	NUM
fbem-4885	7	5	.	.	PUNCT
fbem-4885	8	1	research	research	NOUN
fbem-4885	8	2	background	background	NOUN
fbem-4885	8	3	since	since	SCONJ
fbem-4885	8	4	the	the	DET
fbem-4885	8	5	digital	digital	PROPN
fbem-4885	8	6	rmb	rmb	PROPN
fbem-4885	8	7	pilot	pilot	NOUN
fbem-4885	8	8	,	,	PUNCT
fbem-4885	8	9	the	the	DET
fbem-4885	8	10	application	application	NOUN
fbem-4885	8	11	scenarios	scenario	NOUN
fbem-4885	8	12	have	have	AUX
fbem-4885	8	13	been	be	AUX
fbem-4885	8	14	increasing	increase	VERB
fbem-4885	8	15	as	as	ADP
fbem-4885	8	16	of	of	ADP
fbem-4885	8	17	december	december	PROPN
fbem-4885	8	18	31	31	NUM
fbem-4885	8	19	,	,	PUNCT
fbem-4885	8	20	2021	2021	NUM
fbem-4885	8	21	,	,	PUNCT
fbem-4885	8	22	the	the	DET
fbem-4885	8	23	digital	digital	ADJ
fbem-4885	8	24	rmb	rmb	PROPN
fbem-4885	8	25	pilot	pilot	NOUN
fbem-4885	8	26	scenarios	scenario	NOUN
fbem-4885	8	27	have	have	AUX
fbem-4885	8	28	exceeded	exceed	VERB
fbem-4885	8	29	808.51	808.51	NUM
fbem-4885	8	30	million	million	NUM
fbem-4885	8	31	,	,	PUNCT
fbem-4885	8	32	with	with	ADP
fbem-4885	8	33	a	a	DET
fbem-4885	8	34	cumulative	cumulative	ADJ
fbem-4885	8	35	total	total	NOUN
fbem-4885	8	36	of	of	ADP
fbem-4885	8	37	261	261	NUM
fbem-4885	8	38	million	million	NUM
fbem-4885	8	39	personal	personal	ADJ
fbem-4885	8	40	wallets	wallet	NOUN
fbem-4885	8	41	opened	open	VERB
fbem-4885	8	42	and	and	CCONJ
fbem-4885	8	43	a	a	DET
fbem-4885	8	44	transaction	transaction	NOUN
fbem-4885	8	45	amount	amount	NOUN
fbem-4885	8	46	of	of	ADP
fbem-4885	8	47	87.6	87.6	NUM
fbem-4885	8	48	billion	billion	NUM
fbem-4885	8	49	rmb	rmb	NOUN
fbem-4885	8	50	.	.	PUNCT
fbem-4885	9	1	in	in	ADP
fbem-4885	9	2	april	april	PROPN
fbem-4885	9	3	2020	2020	NUM
fbem-4885	9	4	,	,	PUNCT
fbem-4885	9	5	the	the	DET
fbem-4885	9	6	digital	digital	ADJ
fbem-4885	9	7	rmb	rmb	NOUN
fbem-4885	9	8	was	be	AUX
fbem-4885	9	9	tested	test	VERB
fbem-4885	9	10	in	in	ADP
fbem-4885	9	11	shenzhen	shenzhen	PROPN
fbem-4885	9	12	,	,	PUNCT
fbem-4885	9	13	suzhou	suzhou	PROPN
fbem-4885	9	14	,	,	PUNCT
fbem-4885	9	15	chengdu	chengdu	PROPN
fbem-4885	9	16	,	,	PUNCT
fbem-4885	9	17	xiong'an	xiong'an	PROPN
fbem-4885	9	18	new	new	ADJ
fbem-4885	9	19	area	area	NOUN
fbem-4885	9	20	and	and	CCONJ
fbem-4885	9	21	the	the	DET
fbem-4885	9	22	future	future	ADJ
fbem-4885	9	23	winter	winter	NOUN
fbem-4885	9	24	olympics	olympic	NOUN
fbem-4885	9	25	scenarios	scenario	NOUN
fbem-4885	9	26	in	in	ADP
fbem-4885	9	27	internal	internal	ADJ
fbem-4885	9	28	closed	close	VERB
fbem-4885	9	29	pilot	pilot	NOUN
fbem-4885	9	30	tests	test	NOUN
fbem-4885	9	31	,	,	PUNCT
fbem-4885	9	32	and	and	CCONJ
fbem-4885	9	33	in	in	ADP
fbem-4885	9	34	the	the	DET
fbem-4885	9	35	same	same	ADJ
fbem-4885	9	36	year	year	NOUN
fbem-4885	9	37	in	in	ADP
fbem-4885	9	38	october	october	PROPN
fbem-4885	9	39	,	,	PUNCT
fbem-4885	9	40	six	six	NUM
fbem-4885	9	41	new	new	ADJ
fbem-4885	9	42	pilots	pilot	NOUN
fbem-4885	9	43	were	be	AUX
fbem-4885	9	44	added	add	VERB
fbem-4885	9	45	in	in	ADP
fbem-4885	9	46	shanghai	shanghai	PROPN
fbem-4885	9	47	,	,	PUNCT
fbem-4885	9	48	hainan	hainan	PROPN
fbem-4885	9	49	,	,	PUNCT
fbem-4885	9	50	changsha	changsha	PROPN
fbem-4885	9	51	,	,	PUNCT
fbem-4885	9	52	xi'an	xi'an	PROPN
fbem-4885	9	53	,	,	PUNCT
fbem-4885	9	54	qingdao	qingdao	PROPN
fbem-4885	9	55	and	and	CCONJ
fbem-4885	9	56	dalian	dalian	PROPN
fbem-4885	9	57	.	.	PUNCT
fbem-4885	10	1	[	[	X
fbem-4885	10	2	1]in	1]in	NUM
fbem-4885	10	3	2022	2022	NUM
fbem-4885	10	4	,	,	PUNCT
fbem-4885	10	5	based	base	VERB
fbem-4885	10	6	on	on	ADP
fbem-4885	10	7	m0	m0	PROPN
fbem-4885	10	8	positioning	positioning	NOUN
fbem-4885	10	9	,	,	PUNCT
fbem-4885	10	10	digital	digital	ADJ
fbem-4885	10	11	rmb	rmb	NOUN
fbem-4885	10	12	is	be	AUX
fbem-4885	10	13	mainly	mainly	ADV
fbem-4885	10	14	used	use	VERB
fbem-4885	10	15	for	for	ADP
fbem-4885	10	16	retail	retail	ADJ
fbem-4885	10	17	payment	payment	NOUN
fbem-4885	10	18	,	,	PUNCT
fbem-4885	10	19	and	and	CCONJ
fbem-4885	10	20	the	the	DET
fbem-4885	10	21	application	application	NOUN
fbem-4885	10	22	scenarios	scenario	NOUN
fbem-4885	10	23	are	be	AUX
fbem-4885	10	24	also	also	ADV
fbem-4885	10	25	currently	currently	ADV
fbem-4885	10	26	focused	focus	VERB
fbem-4885	10	27	on	on	ADP
fbem-4885	10	28	retail	retail	ADJ
fbem-4885	10	29	scenarios	scenario	NOUN
fbem-4885	10	30	such	such	ADJ
fbem-4885	10	31	as	as	ADP
fbem-4885	10	32	food	food	NOUN
fbem-4885	10	33	service	service	NOUN
fbem-4885	10	34	,	,	PUNCT
fbem-4885	10	35	shopping	shopping	NOUN
fbem-4885	10	36	and	and	CCONJ
fbem-4885	10	37	consumption	consumption	NOUN
fbem-4885	10	38	,	,	PUNCT
fbem-4885	10	39	leisure	leisure	NOUN
fbem-4885	10	40	and	and	CCONJ
fbem-4885	10	41	entertainment	entertainment	NOUN
fbem-4885	10	42	and	and	CCONJ
fbem-4885	10	43	transportation	transportation	NOUN
fbem-4885	10	44	.	.	PUNCT
fbem-4885	11	1	1.2	1.2	NUM
fbem-4885	11	2	.	.	PUNCT
fbem-4885	11	3	research	research	NOUN
fbem-4885	11	4	objectives	objective	NOUN
fbem-4885	11	5	and	and	CCONJ
fbem-4885	11	6	significance	significance	NOUN
fbem-4885	11	7	this	this	DET
fbem-4885	11	8	paper	paper	NOUN
fbem-4885	11	9	takes	take	VERB
fbem-4885	11	10	two	two	NUM
fbem-4885	11	11	major	major	ADJ
fbem-4885	11	12	third	third	ADJ
fbem-4885	11	13	-	-	PUNCT
fbem-4885	11	14	party	party	NOUN
fbem-4885	11	15	mobile	mobile	ADJ
fbem-4885	11	16	payment	payment	NOUN
fbem-4885	11	17	platforms	platform	NOUN
fbem-4885	11	18	,	,	PUNCT
fbem-4885	11	19	alipay	alipay	PROPN
fbem-4885	11	20	and	and	CCONJ
fbem-4885	11	21	wechat	wechat	NOUN
fbem-4885	11	22	pay	pay	NOUN
fbem-4885	11	23	,	,	PUNCT
fbem-4885	11	24	as	as	ADP
fbem-4885	11	25	the	the	DET
fbem-4885	11	26	research	research	NOUN
fbem-4885	11	27	objects	object	NOUN
fbem-4885	11	28	and	and	CCONJ
fbem-4885	11	29	digital	digital	ADJ
fbem-4885	11	30	rmb	rmb	NOUN
fbem-4885	11	31	as	as	ADP
fbem-4885	11	32	the	the	DET
fbem-4885	11	33	reference	reference	NOUN
fbem-4885	11	34	object	object	VERB
fbem-4885	11	35	,	,	PUNCT
fbem-4885	11	36	and	and	CCONJ
fbem-4885	11	37	analyzes	analyze	VERB
fbem-4885	11	38	the	the	DET
fbem-4885	11	39	future	future	ADJ
fbem-4885	11	40	usage	usage	NOUN
fbem-4885	11	41	trends	trend	NOUN
fbem-4885	11	42	of	of	ADP
fbem-4885	11	43	digital	digital	ADJ
fbem-4885	11	44	rmb	rmb	NOUN
fbem-4885	11	45	by	by	ADP
fbem-4885	11	46	studying	study	VERB
fbem-4885	11	47	the	the	DET
fbem-4885	11	48	usage	usage	NOUN
fbem-4885	11	49	data	datum	NOUN
fbem-4885	11	50	of	of	ADP
fbem-4885	11	51	alipay	alipay	PROPN
fbem-4885	11	52	up	up	ADP
fbem-4885	11	53	to	to	ADP
fbem-4885	11	54	now	now	ADV
fbem-4885	11	55	,	,	PUNCT
fbem-4885	11	56	and	and	CCONJ
fbem-4885	11	57	analyzes	analyze	VERB
fbem-4885	11	58	empirical	empirical	ADJ
fbem-4885	11	59	analysis	analysis	NOUN
fbem-4885	11	60	through	through	ADP
fbem-4885	11	61	modeling	modeling	NOUN
fbem-4885	11	62	.	.	PUNCT
fbem-4885	12	1	since	since	SCONJ
fbem-4885	12	2	there	there	PRON
fbem-4885	12	3	are	be	VERB
fbem-4885	12	4	differences	difference	NOUN
fbem-4885	12	5	in	in	ADP
fbem-4885	12	6	the	the	DET
fbem-4885	12	7	positioning	positioning	NOUN
fbem-4885	12	8	of	of	ADP
fbem-4885	12	9	digital	digital	ADJ
fbem-4885	12	10	rmb	rmb	NOUN
fbem-4885	12	11	and	and	CCONJ
fbem-4885	12	12	mobile	mobile	ADJ
fbem-4885	12	13	payment	payment	NOUN
fbem-4885	12	14	platforms	platform	NOUN
fbem-4885	12	15	,	,	PUNCT
fbem-4885	12	16	the	the	DET
fbem-4885	12	17	differences	difference	NOUN
fbem-4885	12	18	in	in	ADP
fbem-4885	12	19	the	the	DET
fbem-4885	12	20	survey	survey	NOUN
fbem-4885	12	21	results	result	NOUN
fbem-4885	12	22	for	for	ADP
fbem-4885	12	23	both	both	PRON
fbem-4885	12	24	can	can	AUX
fbem-4885	12	25	also	also	ADV
fbem-4885	12	26	be	be	AUX
fbem-4885	12	27	analyzed	analyze	VERB
fbem-4885	12	28	for	for	ADP
fbem-4885	12	29	consumers	consumer	NOUN
fbem-4885	12	30	.	.	PUNCT
fbem-4885	13	1	the	the	DET
fbem-4885	13	2	differences	difference	NOUN
fbem-4885	13	3	in	in	ADP
fbem-4885	13	4	perceptions	perception	NOUN
fbem-4885	13	5	and	and	CCONJ
fbem-4885	13	6	evaluations	evaluation	NOUN
fbem-4885	13	7	of	of	ADP
fbem-4885	13	8	different	different	ADJ
fbem-4885	13	9	third	third	ADJ
fbem-4885	13	10	-	-	PUNCT
fbem-4885	13	11	rice	rice	NOUN
fbem-4885	13	12	mobile	mobile	ADJ
fbem-4885	13	13	payment	payment	NOUN
fbem-4885	13	14	systems	system	NOUN
fbem-4885	13	15	can	can	AUX
fbem-4885	13	16	also	also	ADV
fbem-4885	13	17	be	be	AUX
fbem-4885	13	18	analyzed	analyze	VERB
fbem-4885	13	19	to	to	PART
fbem-4885	13	20	suggest	suggest	VERB
fbem-4885	13	21	improvements	improvement	NOUN
fbem-4885	13	22	for	for	ADP
fbem-4885	13	23	digital	digital	ADJ
fbem-4885	13	24	rmb	rmb	NOUN
fbem-4885	13	25	.	.	PUNCT
fbem-4885	14	1	in	in	ADP
fbem-4885	14	2	this	this	DET
fbem-4885	14	3	paper	paper	NOUN
fbem-4885	14	4	,	,	PUNCT
fbem-4885	14	5	alipay	alipay	PROPN
fbem-4885	14	6	is	be	AUX
fbem-4885	14	7	selected	select	VERB
fbem-4885	14	8	as	as	ADP
fbem-4885	14	9	the	the	DET
fbem-4885	14	10	research	research	NOUN
fbem-4885	14	11	object	object	NOUN
fbem-4885	14	12	mainly	mainly	ADV
fbem-4885	14	13	for	for	ADP
fbem-4885	14	14	the	the	DET
fbem-4885	14	15	following	follow	VERB
fbem-4885	14	16	reasons	reason	NOUN
fbem-4885	14	17	:	:	PUNCT
fbem-4885	14	18	(	(	PUNCT
fbem-4885	14	19	1	1	X
fbem-4885	14	20	)	)	PUNCT
fbem-4885	14	21	as	as	ADP
fbem-4885	14	22	the	the	DET
fbem-4885	14	23	leading	lead	VERB
fbem-4885	14	24	payment	payment	NOUN
fbem-4885	14	25	software	software	NOUN
fbem-4885	14	26	in	in	ADP
fbem-4885	14	27	china	china	PROPN
fbem-4885	14	28	,	,	PUNCT
fbem-4885	14	29	the	the	DET
fbem-4885	14	30	first	first	ADJ
fbem-4885	14	31	half	half	NOUN
fbem-4885	14	32	of	of	ADP
fbem-4885	14	33	2020	2020	NUM
fbem-4885	14	34	and	and	CCONJ
fbem-4885	14	35	the	the	DET
fbem-4885	14	36	two	two	NUM
fbem-4885	14	37	together	together	ADV
fbem-4885	14	38	account	account	VERB
fbem-4885	14	39	for	for	ADP
fbem-4885	14	40	94.4	94.4	NUM
fbem-4885	14	41	%	%	NOUN
fbem-4885	14	42	of	of	ADP
fbem-4885	14	43	the	the	DET
fbem-4885	14	44	mobile	mobile	ADJ
fbem-4885	14	45	payment	payment	NOUN
fbem-4885	14	46	market	market	NOUN
fbem-4885	14	47	share	share	NOUN
fbem-4885	14	48	(	(	PUNCT
fbem-4885	14	49	2	2	X
fbem-4885	14	50	)	)	PUNCT
fbem-4885	14	51	both	both	PRON
fbem-4885	14	52	are	be	AUX
fbem-4885	14	53	commonly	commonly	ADV
fbem-4885	14	54	used	use	VERB
fbem-4885	14	55	within	within	ADP
fbem-4885	14	56	the	the	DET
fbem-4885	14	57	chinese	chinese	ADJ
fbem-4885	14	58	market	market	NOUN
fbem-4885	14	59	and	and	CCONJ
fbem-4885	14	60	easy	easy	ADJ
fbem-4885	14	61	to	to	PART
fbem-4885	14	62	obtain	obtain	VERB
fbem-4885	14	63	research	research	NOUN
fbem-4885	14	64	data	datum	NOUN
fbem-4885	14	65	.	.	PUNCT
fbem-4885	15	1	1.3	1.3	NUM
fbem-4885	15	2	.	.	PUNCT
fbem-4885	15	3	research	research	NOUN
fbem-4885	15	4	content	content	NOUN
fbem-4885	15	5	and	and	CCONJ
fbem-4885	15	6	methodology	methodology	NOUN
fbem-4885	15	7	in	in	ADP
fbem-4885	15	8	this	this	DET
fbem-4885	15	9	paper	paper	NOUN
fbem-4885	15	10	,	,	PUNCT
fbem-4885	15	11	the	the	DET
fbem-4885	15	12	main	main	ADJ
fbem-4885	15	13	research	research	NOUN
fbem-4885	15	14	methods	method	NOUN
fbem-4885	15	15	used	use	VERB
fbem-4885	15	16	in	in	ADP
fbem-4885	15	17	the	the	DET
fbem-4885	15	18	research	research	NOUN
fbem-4885	15	19	process	process	NOUN
fbem-4885	15	20	are	be	AUX
fbem-4885	15	21	literature	literature	NOUN
fbem-4885	15	22	research	research	NOUN
fbem-4885	15	23	method	method	NOUN
fbem-4885	15	24	,	,	PUNCT
fbem-4885	15	25	case	case	NOUN
fbem-4885	15	26	study	study	NOUN
fbem-4885	15	27	method	method	NOUN
fbem-4885	15	28	,	,	PUNCT
fbem-4885	15	29	and	and	CCONJ
fbem-4885	15	30	comparative	comparative	ADJ
fbem-4885	15	31	analysis	analysis	NOUN
fbem-4885	15	32	method	method	NOUN
fbem-4885	15	33	.	.	PUNCT
fbem-4885	16	1	case	case	NOUN
fbem-4885	16	2	study	study	NOUN
fbem-4885	16	3	method	method	NOUN
fbem-4885	16	4	:	:	PUNCT
fbem-4885	16	5	based	base	VERB
fbem-4885	16	6	on	on	ADP
fbem-4885	16	7	the	the	DET
fbem-4885	16	8	specific	specific	ADJ
fbem-4885	16	9	cases	case	NOUN
fbem-4885	16	10	of	of	ADP
fbem-4885	16	11	alipay	alipay	PROPN
fbem-4885	16	12	and	and	CCONJ
fbem-4885	16	13	wechat	wechat	NOUN
fbem-4885	16	14	pay	pay	NOUN
fbem-4885	16	15	,	,	PUNCT
fbem-4885	16	16	the	the	DET
fbem-4885	16	17	case	case	NOUN
fbem-4885	16	18	study	study	NOUN
fbem-4885	16	19	method	method	NOUN
fbem-4885	16	20	is	be	AUX
fbem-4885	16	21	an	an	DET
fbem-4885	16	22	important	important	ADJ
fbem-4885	16	23	research	research	NOUN
fbem-4885	16	24	method	method	NOUN
fbem-4885	16	25	in	in	ADP
fbem-4885	16	26	this	this	DET
fbem-4885	16	27	paper	paper	NOUN
fbem-4885	16	28	by	by	ADP
fbem-4885	16	29	analyzing	analyze	VERB
fbem-4885	16	30	the	the	DET
fbem-4885	16	31	operational	operational	ADJ
fbem-4885	16	32	aspects	aspect	NOUN
fbem-4885	16	33	and	and	CCONJ
fbem-4885	16	34	processes	process	NOUN
fbem-4885	16	35	of	of	ADP
fbem-4885	16	36	their	their	PRON
fbem-4885	16	37	respective	respective	ADJ
fbem-4885	16	38	products	product	NOUN
fbem-4885	16	39	.	.	PUNCT
fbem-4885	17	1	comparative	comparative	ADJ
fbem-4885	17	2	analysis	analysis	NOUN
fbem-4885	17	3	method	method	NOUN
fbem-4885	17	4	:	:	PUNCT
fbem-4885	17	5	comparing	compare	VERB
fbem-4885	17	6	the	the	DET
fbem-4885	17	7	actual	actual	ADJ
fbem-4885	17	8	usage	usage	NOUN
fbem-4885	17	9	and	and	CCONJ
fbem-4885	17	10	users	user	NOUN
fbem-4885	17	11	of	of	ADP
fbem-4885	17	12	alipay	alipay	PROPN
fbem-4885	17	13	and	and	CCONJ
fbem-4885	17	14	wechat	wechat	NOUN
fbem-4885	17	15	pay	pay	NOUN
fbem-4885	17	16	,	,	PUNCT
fbem-4885	17	17	discovering	discover	VERB
fbem-4885	17	18	the	the	DET
fbem-4885	17	19	commonalities	commonality	NOUN
fbem-4885	17	20	and	and	CCONJ
fbem-4885	17	21	characteristics	characteristic	NOUN
fbem-4885	17	22	between	between	ADP
fbem-4885	17	23	them	they	PRON
fbem-4885	17	24	,	,	PUNCT
fbem-4885	17	25	and	and	CCONJ
fbem-4885	17	26	analyzing	analyze	VERB
fbem-4885	17	27	the	the	DET
fbem-4885	17	28	differences	difference	NOUN
fbem-4885	17	29	between	between	ADP
fbem-4885	17	30	them	they	PRON
fbem-4885	17	31	in	in	ADP
fbem-4885	17	32	depth	depth	NOUN
fbem-4885	17	33	,	,	PUNCT
fbem-4885	17	34	and	and	CCONJ
fbem-4885	17	35	then	then	ADV
fbem-4885	17	36	coming	come	VERB
fbem-4885	17	37	up	up	ADP
fbem-4885	17	38	with	with	ADP
fbem-4885	17	39	suggestions	suggestion	NOUN
fbem-4885	17	40	for	for	ADP
fbem-4885	17	41	optimizing	optimize	VERB
fbem-4885	17	42	the	the	DET
fbem-4885	17	43	use	use	NOUN
fbem-4885	17	44	of	of	ADP
fbem-4885	17	45	digital	digital	ADJ
fbem-4885	17	46	rmb	rmb	NOUN
fbem-4885	17	47	.	.	PUNCT
fbem-4885	18	1	2	2	X
fbem-4885	18	2	.	.	X
fbem-4885	18	3	literature	literature	NOUN
fbem-4885	18	4	review	review	VERB
fbem-4885	18	5	2.1	2.1	NUM
fbem-4885	18	6	.	.	PUNCT
fbem-4885	19	1	review	review	NOUN
fbem-4885	19	2	of	of	ADP
fbem-4885	19	3	relevant	relevant	ADJ
fbem-4885	19	4	literature	literature	NOUN
fbem-4885	19	5	according	accord	VERB
fbem-4885	19	6	to	to	ADP
fbem-4885	19	7	previous	previous	ADJ
fbem-4885	19	8	studies	study	NOUN
fbem-4885	19	9	,	,	PUNCT
fbem-4885	19	10	the	the	DET
fbem-4885	19	11	rapid	rapid	ADJ
fbem-4885	19	12	development	development	NOUN
fbem-4885	19	13	of	of	ADP
fbem-4885	19	14	mobile	mobile	ADJ
fbem-4885	19	15	payment	payment	NOUN
fbem-4885	19	16	is	be	AUX
fbem-4885	19	17	driven	drive	VERB
fbem-4885	19	18	by	by	ADP
fbem-4885	19	19	a	a	DET
fbem-4885	19	20	series	series	NOUN
fbem-4885	19	21	of	of	ADP
fbem-4885	19	22	components	component	NOUN
fbem-4885	19	23	such	such	ADJ
fbem-4885	19	24	as	as	ADP
fbem-4885	19	25	people	people	NOUN
fbem-4885	19	26	's	's	PART
fbem-4885	19	27	performance	performance	NOUN
fbem-4885	19	28	expectations	expectation	NOUN
fbem-4885	19	29	,	,	PUNCT
fbem-4885	19	30	social	social	ADJ
fbem-4885	19	31	influence	influence	NOUN
fbem-4885	19	32	,	,	PUNCT
fbem-4885	19	33	trust	trust	NOUN
fbem-4885	19	34	,	,	PUNCT
fbem-4885	19	35	payment	payment	NOUN
fbem-4885	19	36	scenarios	scenario	NOUN
fbem-4885	19	37	,	,	PUNCT
fbem-4885	19	38	and	and	CCONJ
fbem-4885	19	39	system	system	NOUN
fbem-4885	19	40	quality	quality	NOUN
fbem-4885	19	41	.	.	PUNCT
fbem-4885	20	1	the	the	DET
fbem-4885	20	2	convenient	convenient	ADJ
fbem-4885	20	3	services	service	NOUN
fbem-4885	20	4	of	of	ADP
fbem-4885	20	5	third	third	ADJ
fbem-4885	20	6	-	-	PUNCT
fbem-4885	20	7	party	party	NOUN
fbem-4885	20	8	payment	payment	NOUN
fbem-4885	20	9	platforms	platform	NOUN
fbem-4885	20	10	such	such	ADJ
fbem-4885	20	11	as	as	ADP
fbem-4885	20	12	alipay	alipay	PROPN
fbem-4885	20	13	wallet	wallet	NOUN
fbem-4885	20	14	and	and	CCONJ
fbem-4885	20	15	wechat	wechat	PRON
fbem-4885	20	16	pay	pay	VERB
fbem-4885	20	17	bring	bring	VERB
fbem-4885	20	18	consumers	consumer	NOUN
fbem-4885	20	19	certain	certain	ADJ
fbem-4885	20	20	performance	performance	NOUN
fbem-4885	20	21	expectations	expectation	NOUN
fbem-4885	20	22	,	,	PUNCT
fbem-4885	20	23	while	while	SCONJ
fbem-4885	20	24	people	people	NOUN
fbem-4885	20	25	must	must	AUX
fbem-4885	20	26	have	have	VERB
fbem-4885	20	27	corresponding	correspond	VERB
fbem-4885	20	28	payment	payment	NOUN
fbem-4885	20	29	conditions	condition	NOUN
fbem-4885	20	30	to	to	PART
fbem-4885	20	31	use	use	VERB
fbem-4885	20	32	the	the	DET
fbem-4885	20	33	payment	payment	NOUN
fbem-4885	20	34	platform	platform	NOUN
fbem-4885	20	35	and	and	CCONJ
fbem-4885	20	36	want	want	VERB
fbem-4885	20	37	to	to	PART
fbem-4885	20	38	pay	pay	VERB
fbem-4885	20	39	less	less	ADJ
fbem-4885	20	40	effort	effort	NOUN
fbem-4885	20	41	,	,	PUNCT
fbem-4885	20	42	when	when	SCONJ
fbem-4885	20	43	more	more	ADJ
fbem-4885	20	44	people	people	NOUN
fbem-4885	20	45	around	around	ADP
fbem-4885	20	46	use	use	NOUN
fbem-4885	20	47	and	and	CCONJ
fbem-4885	20	48	recommend	recommend	VERB
fbem-4885	20	49	will	will	AUX
fbem-4885	20	50	also	also	ADV
fbem-4885	20	51	accelerate	accelerate	VERB
fbem-4885	20	52	the	the	DET
fbem-4885	20	53	adoption	adoption	NOUN
fbem-4885	20	54	behavior	behavior	NOUN
fbem-4885	20	55	of	of	ADP
fbem-4885	20	56	new	new	ADJ
fbem-4885	20	57	users	user	NOUN
fbem-4885	20	58	want	want	VERB
fbem-4885	20	59	to	to	PART
fbem-4885	20	60	improve	improve	VERB
fbem-4885	20	61	the	the	DET
fbem-4885	20	62	user	user	NOUN
fbem-4885	20	63	's	's	PART
fbem-4885	20	64	stickiness	stickiness	NOUN
fbem-4885	20	65	,	,	PUNCT
fbem-4885	20	66	the	the	DET
fbem-4885	20	67	software	software	NOUN
fbem-4885	20	68	products	product	NOUN
fbem-4885	20	69	also	also	ADV
fbem-4885	20	70	need	need	VERB
fbem-4885	20	71	to	to	PART
fbem-4885	20	72	be	be	AUX
fbem-4885	20	73	constantly	constantly	ADV
fbem-4885	20	74	improved	improve	VERB
fbem-4885	20	75	,	,	PUNCT
fbem-4885	20	76	and	and	CCONJ
fbem-4885	20	77	the	the	DET
fbem-4885	20	78	payment	payment	NOUN
fbem-4885	20	79	scenario	scenario	NOUN
fbem-4885	20	80	also	also	ADV
fbem-4885	20	81	needs	need	VERB
fbem-4885	20	82	to	to	PART
fbem-4885	20	83	be	be	AUX
fbem-4885	20	84	constantly	constantly	ADV
fbem-4885	20	85	innovated	innovate	VERB
fbem-4885	20	86	at	at	ADP
fbem-4885	20	87	the	the	DET
fbem-4885	20	88	same	same	ADJ
fbem-4885	20	89	time	time	NOUN
fbem-4885	20	90	in	in	ADP
fbem-4885	20	91	factors	factor	NOUN
fbem-4885	20	92	such	such	ADJ
fbem-4885	20	93	as	as	ADP
fbem-4885	20	94	trust	trust	NOUN
fbem-4885	20	95	and	and	CCONJ
fbem-4885	20	96	immersion	immersion	NOUN
fbem-4885	20	97	experience	experience	NOUN
fbem-4885	20	98	based	base	VERB
fbem-4885	20	99	on	on	ADP
fbem-4885	20	100	the	the	DET
fbem-4885	20	101	perceived	perceive	VERB
fbem-4885	20	102	level	level	NOUN
fbem-4885	20	103	of	of	ADP
fbem-4885	20	104	risk	risk	NOUN
fbem-4885	20	105	are	be	AUX
fbem-4885	20	106	decisive	decisive	ADJ
fbem-4885	20	107	for	for	ADP
fbem-4885	20	108	the	the	DET
fbem-4885	20	109	long	long	ADJ
fbem-4885	20	110	-	-	PUNCT
fbem-4885	20	111	term	term	NOUN
fbem-4885	20	112	usage	usage	NOUN
fbem-4885	20	113	behavior	behavior	NOUN
fbem-4885	20	114	of	of	ADP
fbem-4885	20	115	consumers	consumer	NOUN
fbem-4885	20	116	.	.	PUNCT
fbem-4885	21	1	most	most	ADJ
fbem-4885	21	2	of	of	ADP
fbem-4885	21	3	the	the	DET
fbem-4885	21	4	existing	exist	VERB
fbem-4885	21	5	studies	study	NOUN
fbem-4885	21	6	are	be	AUX
fbem-4885	21	7	on	on	ADP
fbem-4885	21	8	the	the	DET
fbem-4885	21	9	emergence	emergence	NOUN
fbem-4885	21	10	,	,	PUNCT
fbem-4885	21	11	characteristics	characteristic	NOUN
fbem-4885	21	12	,	,	PUNCT
fbem-4885	21	13	opportunities	opportunity	NOUN
fbem-4885	21	14	,	,	PUNCT
fbem-4885	21	15	development	development	NOUN
fbem-4885	21	16	,	,	PUNCT
fbem-4885	21	17	and	and	CCONJ
fbem-4885	21	18	impact	impact	NOUN
fbem-4885	21	19	of	of	ADP
fbem-4885	21	20	digital	digital	ADJ
fbem-4885	21	21	rmb	rmb	NOUN
fbem-4885	21	22	,	,	PUNCT
fbem-4885	21	23	but	but	CCONJ
fbem-4885	21	24	not	not	PART
fbem-4885	21	25	on	on	ADP
fbem-4885	21	26	the	the	DET
fbem-4885	21	27	commonalities	commonality	NOUN
fbem-4885	21	28	and	and	CCONJ
fbem-4885	21	29	differences	difference	NOUN
fbem-4885	21	30	between	between	ADP
fbem-4885	21	31	them	they	PRON
fbem-4885	21	32	and	and	CCONJ
fbem-4885	21	33	mobile	mobile	ADJ
fbem-4885	21	34	payment	payment	NOUN
fbem-4885	21	35	.	.	PUNCT
fbem-4885	22	1	therefore	therefore	ADV
fbem-4885	22	2	,	,	PUNCT
fbem-4885	22	3	in	in	ADP
fbem-4885	22	4	this	this	DET
fbem-4885	22	5	paper	paper	NOUN
fbem-4885	22	6	,	,	PUNCT
fbem-4885	22	7	we	we	PRON
fbem-4885	22	8	hope	hope	VERB
fbem-4885	22	9	to	to	PART
fbem-4885	22	10	use	use	VERB
fbem-4885	22	11	mobile	mobile	ADJ
fbem-4885	22	12	payment	payment	NOUN
fbem-4885	22	13	as	as	ADP
fbem-4885	22	14	the	the	DET
fbem-4885	22	15	reference	reference	NOUN
fbem-4885	22	16	object	object	NOUN
fbem-4885	22	17	and	and	CCONJ
fbem-4885	22	18	conduct	conduct	VERB
fbem-4885	22	19	an	an	DET
fbem-4885	22	20	empirical	empirical	ADJ
fbem-4885	22	21	analysis	analysis	NOUN
fbem-4885	22	22	using	use	VERB
fbem-4885	22	23	spss	spss	NOUN
fbem-4885	22	24	to	to	PART
fbem-4885	22	25	study	study	VERB
fbem-4885	22	26	the	the	DET
fbem-4885	22	27	similarities	similarity	NOUN
fbem-4885	22	28	and	and	CCONJ
fbem-4885	22	29	differences	difference	NOUN
fbem-4885	22	30	between	between	ADP
fbem-4885	22	31	digital	digital	ADJ
fbem-4885	22	32	rmb	rmb	NOUN
fbem-4885	22	33	and	and	CCONJ
fbem-4885	22	34	mobile	mobile	ADJ
fbem-4885	22	35	payment	payment	NOUN
fbem-4885	22	36	.	.	PUNCT
fbem-4885	23	1	156	156	NUM
fbem-4885	23	2	3	3	NUM
fbem-4885	23	3	.	.	PUNCT
fbem-4885	23	4	status	status	NOUN
fbem-4885	23	5	of	of	ADP
fbem-4885	23	6	digital	digital	ADJ
fbem-4885	23	7	rmb	rmb	NOUN
fbem-4885	23	8	currently	currently	ADV
fbem-4885	23	9	,	,	PUNCT
fbem-4885	23	10	in	in	ADP
fbem-4885	23	11	the	the	DET
fbem-4885	23	12	first	first	ADJ
fbem-4885	23	13	half	half	NOUN
fbem-4885	23	14	of	of	ADP
fbem-4885	23	15	2022	2022	NUM
fbem-4885	23	16	,	,	PUNCT
fbem-4885	23	17	the	the	DET
fbem-4885	23	18	digital	digital	ADJ
fbem-4885	23	19	rmb	rmb	NOUN
fbem-4885	23	20	completed	complete	VERB
fbem-4885	23	21	three	three	NUM
fbem-4885	23	22	tests	test	NOUN
fbem-4885	23	23	.	.	PUNCT
fbem-4885	24	1	first	first	ADV
fbem-4885	24	2	,	,	PUNCT
fbem-4885	24	3	the	the	DET
fbem-4885	24	4	pilot	pilot	NOUN
fbem-4885	24	5	scenario	scenario	NOUN
fbem-4885	24	6	in	in	ADP
fbem-4885	24	7	the	the	DET
fbem-4885	24	8	beijing	beijing	PROPN
fbem-4885	24	9	winter	winter	PROPN
fbem-4885	24	10	olympic	olympic	PROPN
fbem-4885	24	11	games	game	NOUN
fbem-4885	24	12	was	be	AUX
fbem-4885	24	13	used	use	VERB
fbem-4885	24	14	.	.	PUNCT
fbem-4885	25	1	second	second	ADV
fbem-4885	25	2	,	,	PUNCT
fbem-4885	25	3	the	the	DET
fbem-4885	25	4	digital	digital	ADJ
fbem-4885	25	5	rmb	rmb	NOUN
fbem-4885	25	6	was	be	AUX
fbem-4885	25	7	expanded	expand	VERB
fbem-4885	25	8	from	from	ADP
fbem-4885	25	9	the	the	DET
fbem-4885	25	10	pilot	pilot	NOUN
fbem-4885	25	11	areas	area	NOUN
fbem-4885	25	12	to	to	ADP
fbem-4885	25	13	23	23	NUM
fbem-4885	25	14	areas	area	NOUN
fbem-4885	25	15	in	in	ADP
fbem-4885	25	16	15	15	NUM
fbem-4885	25	17	provinces	province	NOUN
fbem-4885	25	18	and	and	CCONJ
fbem-4885	25	19	cities	city	NOUN
fbem-4885	25	20	.	.	PUNCT
fbem-4885	26	1	third	third	ADV
fbem-4885	26	2	,	,	PUNCT
fbem-4885	26	3	as	as	ADP
fbem-4885	26	4	of	of	ADP
fbem-4885	26	5	may	may	PROPN
fbem-4885	26	6	31	31	NUM
fbem-4885	26	7	,	,	PUNCT
fbem-4885	26	8	the	the	DET
fbem-4885	26	9	cumulative	cumulative	ADJ
fbem-4885	26	10	number	number	NOUN
fbem-4885	26	11	of	of	ADP
fbem-4885	26	12	transactions	transaction	NOUN
fbem-4885	26	13	through	through	ADP
fbem-4885	26	14	digital	digital	ADJ
fbem-4885	26	15	rmb	rmb	NOUN
fbem-4885	26	16	in	in	ADP
fbem-4885	26	17	the	the	DET
fbem-4885	26	18	pilot	pilot	NOUN
fbem-4885	26	19	areas	area	NOUN
fbem-4885	26	20	of	of	ADP
fbem-4885	26	21	15	15	NUM
fbem-4885	26	22	provinces	province	NOUN
fbem-4885	26	23	and	and	CCONJ
fbem-4885	26	24	cities	city	NOUN
fbem-4885	26	25	was	be	AUX
fbem-4885	26	26	about	about	ADV
fbem-4885	26	27	264	264	NUM
fbem-4885	26	28	million	million	NUM
fbem-4885	26	29	,	,	PUNCT
fbem-4885	26	30	with	with	ADP
fbem-4885	26	31	an	an	DET
fbem-4885	26	32	amount	amount	NOUN
fbem-4885	26	33	of	of	ADP
fbem-4885	26	34	about	about	ADP
fbem-4885	26	35	rmb	rmb	PROPN
fbem-4885	26	36	83	83	NUM
fbem-4885	26	37	billion	billion	NUM
fbem-4885	26	38	,	,	PUNCT
fbem-4885	26	39	and	and	CCONJ
fbem-4885	26	40	the	the	DET
fbem-4885	26	41	number	number	NOUN
fbem-4885	26	42	of	of	ADP
fbem-4885	26	43	merchant	merchant	NOUN
fbem-4885	26	44	stores	store	NOUN
fbem-4885	26	45	supporting	support	VERB
fbem-4885	26	46	digital	digital	ADJ
fbem-4885	26	47	rmb	rmb	NOUN
fbem-4885	26	48	payments	payment	NOUN
fbem-4885	26	49	reached	reach	VERB
fbem-4885	26	50	4,567,000	4,567,000	NUM
fbem-4885	26	51	.	.	PUNCT
fbem-4885	27	1	3.1	3.1	NUM
fbem-4885	27	2	.	.	PUNCT
fbem-4885	27	3	changes	change	NOUN
fbem-4885	27	4	in	in	ADP
fbem-4885	27	5	the	the	DET
fbem-4885	27	6	development	development	NOUN
fbem-4885	27	7	of	of	ADP
fbem-4885	27	8	alipay	alipay	PROPN
fbem-4885	27	9	and	and	CCONJ
fbem-4885	27	10	digital	digital	PROPN
fbem-4885	27	11	rmb	rmb	NOUN
fbem-4885	27	12	so	so	ADV
fbem-4885	27	13	far	far	ADV
fbem-4885	27	14	with	with	ADP
fbem-4885	27	15	the	the	DET
fbem-4885	27	16	rapid	rapid	ADJ
fbem-4885	27	17	development	development	NOUN
fbem-4885	27	18	of	of	ADP
fbem-4885	27	19	the	the	DET
fbem-4885	27	20	mobile	mobile	ADJ
fbem-4885	27	21	internet	internet	NOUN
fbem-4885	27	22	,	,	PUNCT
fbem-4885	27	23	coupled	couple	VERB
fbem-4885	27	24	with	with	ADP
fbem-4885	27	25	the	the	DET
fbem-4885	27	26	online	online	ADJ
fbem-4885	27	27	traffic	traffic	NOUN
fbem-4885	27	28	scene	scene	NOUN
fbem-4885	27	29	that	that	PRON
fbem-4885	27	30	has	have	AUX
fbem-4885	27	31	tended	tend	VERB
fbem-4885	27	32	to	to	PART
fbem-4885	27	33	monopolize	monopolize	VERB
fbem-4885	27	34	and	and	CCONJ
fbem-4885	27	35	reached	reach	VERB
fbem-4885	27	36	saturation	saturation	NOUN
fbem-4885	27	37	,	,	PUNCT
fbem-4885	27	38	the	the	DET
fbem-4885	27	39	offline	offline	ADJ
fbem-4885	27	40	scene	scene	NOUN
fbem-4885	27	41	has	have	AUX
fbem-4885	27	42	become	become	VERB
fbem-4885	27	43	a	a	DET
fbem-4885	27	44	gold	gold	NOUN
fbem-4885	27	45	mine	mine	NOUN
fbem-4885	27	46	for	for	ADP
fbem-4885	27	47	third	third	ADJ
fbem-4885	27	48	-	-	PUNCT
fbem-4885	27	49	party	party	NOUN
fbem-4885	27	50	payment	payment	NOUN
fbem-4885	27	51	giants	giant	NOUN
fbem-4885	27	52	to	to	PART
fbem-4885	27	53	dig	dig	VERB
fbem-4885	27	54	.	.	PUNCT
fbem-4885	28	1	at	at	ADP
fbem-4885	28	2	present	present	ADJ
fbem-4885	28	3	,	,	PUNCT
fbem-4885	28	4	china	china	PROPN
fbem-4885	28	5	's	's	PART
fbem-4885	28	6	third	third	ADJ
fbem-4885	28	7	-	-	PUNCT
fbem-4885	28	8	party	party	NOUN
fbem-4885	28	9	payment	payment	NOUN
fbem-4885	28	10	c	c	NOUN
fbem-4885	28	11	-	-	PUNCT
fbem-4885	28	12	end	end	NOUN
fbem-4885	28	13	market	market	NOUN
fbem-4885	28	14	competition	competition	NOUN
fbem-4885	28	15	pattern	pattern	NOUN
fbem-4885	28	16	has	have	AUX
fbem-4885	28	17	formed	form	VERB
fbem-4885	28	18	,	,	PUNCT
fbem-4885	28	19	caipay	caipay	PROPN
fbem-4885	28	20	(	(	PUNCT
fbem-4885	28	21	wechat	wechat	NOUN
fbem-4885	28	22	pay	pay	NOUN
fbem-4885	28	23	)	)	PUNCT
fbem-4885	28	24	and	and	CCONJ
fbem-4885	28	25	alipay	alipay	PROPN
fbem-4885	28	26	,	,	PUNCT
fbem-4885	28	27	and	and	CCONJ
fbem-4885	28	28	other	other	ADJ
fbem-4885	28	29	institutions	institution	NOUN
fbem-4885	28	30	with	with	ADP
fbem-4885	28	31	two	two	NUM
fbem-4885	28	32	-	-	PUNCT
fbem-4885	28	33	dimensional	dimensional	ADJ
fbem-4885	28	34	code	code	NOUN
fbem-4885	28	35	payment	payment	NOUN
fbem-4885	28	36	,	,	PUNCT
fbem-4885	28	37	to	to	PART
fbem-4885	28	38	seize	seize	VERB
fbem-4885	28	39	the	the	DET
fbem-4885	28	40	offline	offline	ADJ
fbem-4885	28	41	market	market	NOUN
fbem-4885	28	42	.	.	PUNCT
fbem-4885	29	1	in	in	ADP
fbem-4885	29	2	the	the	DET
fbem-4885	29	3	2020	2020	NUM
fbem-4885	29	4	second	second	ADJ
fbem-4885	29	5	quarter	quarter	NOUN
fbem-4885	29	6	,	,	PUNCT
fbem-4885	29	7	china	china	PROPN
fbem-4885	29	8	's	's	PART
fbem-4885	29	9	third	third	ADJ
fbem-4885	29	10	-	-	PUNCT
fbem-4885	29	11	party	party	NOUN
fbem-4885	29	12	payment	payment	NOUN
fbem-4885	29	13	comprehensive	comprehensive	ADJ
fbem-4885	29	14	transaction	transaction	NOUN
fbem-4885	29	15	market	market	NOUN
fbem-4885	29	16	alipay	alipay	PROPN
fbem-4885	29	17	,	,	PUNCT
fbem-4885	29	18	caipay	caipay	NOUN
fbem-4885	29	19	,	,	PUNCT
fbem-4885	29	20	and	and	CCONJ
fbem-4885	29	21	unionpay	unionpay	PROPN
fbem-4885	29	22	ranked	rank	VERB
fbem-4885	29	23	the	the	DET
fbem-4885	29	24	top	top	ADJ
fbem-4885	29	25	three	three	NUM
fbem-4885	29	26	with	with	ADP
fbem-4885	29	27	49.16	49.16	NUM
fbem-4885	29	28	%	%	NOUN
fbem-4885	29	29	,	,	PUNCT
fbem-4885	29	30	33.74	33.74	NUM
fbem-4885	29	31	%	%	NOUN
fbem-4885	29	32	,	,	PUNCT
fbem-4885	29	33	and	and	CCONJ
fbem-4885	29	34	6.93	6.93	NUM
fbem-4885	29	35	%	%	NOUN
fbem-4885	29	36	market	market	NOUN
fbem-4885	29	37	share	share	NOUN
fbem-4885	29	38	,	,	PUNCT
fbem-4885	29	39	respectively	respectively	ADV
fbem-4885	29	40	.	.	PUNCT
fbem-4885	30	1	alipay	alipay	PROPN
fbem-4885	30	2	development	development	PROPN
fbem-4885	30	3	status	status	PROPN
fbem-4885	30	4	:	:	PUNCT
fbem-4885	30	5	last	last	ADJ
fbem-4885	30	6	year	year	NOUN
fbem-4885	30	7	,	,	PUNCT
fbem-4885	30	8	domestic	domestic	ADJ
fbem-4885	30	9	banking	banking	NOUN
fbem-4885	30	10	institutions	institution	NOUN
fbem-4885	30	11	processed	process	VERB
fbem-4885	30	12	a	a	DET
fbem-4885	30	13	total	total	NOUN
fbem-4885	30	14	of	of	ADP
fbem-4885	30	15	more	more	ADJ
fbem-4885	30	16	than	than	ADP
fbem-4885	30	17	100	100	NUM
fbem-4885	30	18	billion	billion	NUM
fbem-4885	30	19	online	online	ADJ
fbem-4885	30	20	payment	payment	NOUN
fbem-4885	30	21	services	service	NOUN
fbem-4885	30	22	,	,	PUNCT
fbem-4885	30	23	amounting	amount	VERB
fbem-4885	30	24	to	to	ADP
fbem-4885	30	25	more	more	ADJ
fbem-4885	30	26	than	than	ADP
fbem-4885	30	27	2300	2300	NUM
fbem-4885	30	28	trillion	trillion	NUM
fbem-4885	30	29	yuan	yuan	NOUN
fbem-4885	30	30	,	,	PUNCT
fbem-4885	30	31	5.32	5.32	NUM
fbem-4885	30	32	times	time	NOUN
fbem-4885	30	33	and	and	CCONJ
fbem-4885	30	34	2.86	2.86	NUM
fbem-4885	30	35	times	time	NOUN
fbem-4885	30	36	of	of	ADP
fbem-4885	30	37	ten	ten	NUM
fbem-4885	30	38	years	year	NOUN
fbem-4885	30	39	ago	ago	ADV
fbem-4885	30	40	,	,	PUNCT
fbem-4885	30	41	respectively	respectively	ADV
fbem-4885	30	42	.	.	PUNCT
fbem-4885	31	1	the	the	DET
fbem-4885	31	2	number	number	NOUN
fbem-4885	31	3	of	of	ADP
fbem-4885	31	4	strokes	stroke	NOUN
fbem-4885	31	5	and	and	CCONJ
fbem-4885	31	6	amount	amount	NOUN
fbem-4885	31	7	of	of	ADP
fbem-4885	31	8	mobile	mobile	ADJ
fbem-4885	31	9	payment	payment	NOUN
fbem-4885	31	10	services	service	NOUN
fbem-4885	31	11	processed	process	VERB
fbem-4885	31	12	by	by	ADP
fbem-4885	31	13	domestic	domestic	ADJ
fbem-4885	31	14	banking	banking	NOUN
fbem-4885	31	15	institutions	institution	NOUN
fbem-4885	31	16	increased	increase	VERB
fbem-4885	31	17	22.73	22.73	NUM
fbem-4885	31	18	%	%	NOUN
fbem-4885	31	19	and	and	CCONJ
fbem-4885	31	20	21.94	21.94	NUM
fbem-4885	31	21	%	%	NOUN
fbem-4885	31	22	respectively	respectively	ADV
fbem-4885	31	23	over	over	ADP
fbem-4885	31	24	the	the	DET
fbem-4885	31	25	previous	previous	ADJ
fbem-4885	31	26	year	year	NOUN
fbem-4885	31	27	,	,	PUNCT
fbem-4885	31	28	while	while	SCONJ
fbem-4885	31	29	payment	payment	NOUN
fbem-4885	31	30	institutions	institution	NOUN
fbem-4885	31	31	processed	process	VERB
fbem-4885	31	32	nearly	nearly	ADV
fbem-4885	31	33	a	a	DET
fbem-4885	31	34	trillion	trillion	NUM
fbem-4885	31	35	mobile	mobile	ADJ
fbem-4885	31	36	payment	payment	NOUN
fbem-4885	31	37	services	service	NOUN
fbem-4885	31	38	,	,	PUNCT
fbem-4885	31	39	amounting	amount	VERB
fbem-4885	31	40	to	to	ADP
fbem-4885	31	41	359.49	359.49	NUM
fbem-4885	31	42	trillion	trillion	NUM
fbem-4885	31	43	yuan	yuan	NOUN
fbem-4885	31	44	,	,	PUNCT
fbem-4885	31	45	up	up	ADV
fbem-4885	31	46	from	from	ADP
fbem-4885	31	47	the	the	DET
fbem-4885	31	48	previous	previous	ADJ
fbem-4885	31	49	year	year	NOUN
fbem-4885	31	50	,	,	PUNCT
fbem-4885	31	51	up	up	ADV
fbem-4885	31	52	27.01	27.01	NUM
fbem-4885	31	53	%	%	NOUN
fbem-4885	31	54	and	and	CCONJ
fbem-4885	31	55	19.38	19.38	NUM
fbem-4885	31	56	%	%	NOUN
fbem-4885	31	57	respectively	respectively	ADV
fbem-4885	31	58	.	.	PUNCT
fbem-4885	32	1	in	in	ADP
fbem-4885	32	2	the	the	DET
fbem-4885	32	3	first	first	ADJ
fbem-4885	32	4	half	half	NOUN
fbem-4885	32	5	of	of	ADP
fbem-4885	32	6	2020	2020	NUM
fbem-4885	32	7	,	,	PUNCT
fbem-4885	32	8	alipay	alipay	PROPN
fbem-4885	32	9	and	and	CCONJ
fbem-4885	32	10	wechat	wechat	PROPN
fbem-4885	32	11	occupied	occupy	VERB
fbem-4885	32	12	55.6	55.6	NUM
fbem-4885	32	13	%	%	NOUN
fbem-4885	32	14	and	and	CCONJ
fbem-4885	32	15	38.8	38.8	NUM
fbem-4885	32	16	%	%	NOUN
fbem-4885	32	17	of	of	ADP
fbem-4885	32	18	the	the	DET
fbem-4885	32	19	market	market	NOUN
fbem-4885	32	20	share	share	NOUN
fbem-4885	32	21	respectively	respectively	ADV
fbem-4885	32	22	,	,	PUNCT
fbem-4885	32	23	with	with	ADP
fbem-4885	32	24	the	the	DET
fbem-4885	32	25	two	two	NUM
fbem-4885	32	26	companies	company	NOUN
fbem-4885	32	27	together	together	ADV
fbem-4885	32	28	occupying	occupy	VERB
fbem-4885	32	29	94.4	94.4	NUM
fbem-4885	32	30	%	%	NOUN
fbem-4885	32	31	of	of	ADP
fbem-4885	32	32	the	the	DET
fbem-4885	32	33	mobile	mobile	ADJ
fbem-4885	32	34	payment	payment	NOUN
fbem-4885	32	35	market	market	NOUN
fbem-4885	32	36	share	share	NOUN
fbem-4885	32	37	,	,	PUNCT
fbem-4885	32	38	while	while	SCONJ
fbem-4885	32	39	the	the	DET
fbem-4885	32	40	other	other	ADJ
fbem-4885	32	41	less	less	ADJ
fbem-4885	32	42	than	than	ADP
fbem-4885	32	43	6	6	NUM
fbem-4885	32	44	%	%	NOUN
fbem-4885	32	45	was	be	AUX
fbem-4885	32	46	occupied	occupy	VERB
fbem-4885	32	47	by	by	ADP
fbem-4885	32	48	one	one	NUM
fbem-4885	32	49	wallet	wallet	NOUN
fbem-4885	32	50	,	,	PUNCT
fbem-4885	32	51	link	link	NOUN
fbem-4885	32	52	wallet	wallet	NOUN
fbem-4885	32	53	,	,	PUNCT
fbem-4885	32	54	quick	quick	ADJ
fbem-4885	32	55	money	money	NOUN
fbem-4885	32	56	,	,	PUNCT
fbem-4885	32	57	suning	sun	VERB
fbem-4885	32	58	payment	payment	NOUN
fbem-4885	32	59	,	,	PUNCT
fbem-4885	32	60	and	and	CCONJ
fbem-4885	32	61	other	other	ADJ
fbem-4885	32	62	second	second	ADJ
fbem-4885	32	63	-	-	PUNCT
fbem-4885	32	64	tier	tier	NOUN
fbem-4885	32	65	mobile	mobile	ADJ
fbem-4885	32	66	payment	payment	NOUN
fbem-4885	32	67	companies	company	NOUN
fbem-4885	32	68	.	.	PUNCT
fbem-4885	33	1	[	[	X
fbem-4885	33	2	2	2	NUM
fbem-4885	33	3	]	]	PUNCT
fbem-4885	33	4	linkage	linkage	NOUN
fbem-4885	33	5	wallet	wallet	NOUN
fbem-4885	33	6	,	,	PUNCT
fbem-4885	33	7	fast	fast	ADJ
fbem-4885	33	8	money	money	NOUN
fbem-4885	33	9	,	,	PUNCT
fbem-4885	33	10	suning	sun	VERB
fbem-4885	33	11	payment	payment	NOUN
fbem-4885	33	12	,	,	PUNCT
fbem-4885	33	13	and	and	CCONJ
fbem-4885	33	14	other	other	ADJ
fbem-4885	33	15	second	second	ADJ
fbem-4885	33	16	-	-	PUNCT
fbem-4885	33	17	tier	tier	NOUN
fbem-4885	33	18	mobile	mobile	ADJ
fbem-4885	33	19	payment	payment	NOUN
fbem-4885	33	20	companies	company	NOUN
fbem-4885	33	21	,	,	PUNCT
fbem-4885	33	22	and	and	CCONJ
fbem-4885	33	23	each	each	PRON
fbem-4885	33	24	occupy	occupy	VERB
fbem-4885	33	25	an	an	DET
fbem-4885	33	26	average	average	ADJ
fbem-4885	33	27	market	market	NOUN
fbem-4885	33	28	share	share	NOUN
fbem-4885	33	29	of	of	ADP
fbem-4885	33	30	less	less	ADJ
fbem-4885	33	31	than	than	ADP
fbem-4885	33	32	1	1	NUM
fbem-4885	33	33	%	%	NOUN
fbem-4885	33	34	.	.	PUNCT
fbem-4885	34	1	it	it	PRON
fbem-4885	34	2	is	be	AUX
fbem-4885	34	3	easy	easy	ADJ
fbem-4885	34	4	to	to	PART
fbem-4885	34	5	see	see	VERB
fbem-4885	34	6	that	that	SCONJ
fbem-4885	34	7	the	the	DET
fbem-4885	34	8	gap	gap	NOUN
fbem-4885	34	9	between	between	ADP
fbem-4885	34	10	the	the	DET
fbem-4885	34	11	first	first	ADJ
fbem-4885	34	12	and	and	CCONJ
fbem-4885	34	13	second	second	ADJ
fbem-4885	34	14	echelon	echelon	NOUN
fbem-4885	34	15	of	of	ADP
fbem-4885	34	16	mobile	mobile	ADJ
fbem-4885	34	17	payment	payment	NOUN
fbem-4885	34	18	is	be	AUX
fbem-4885	34	19	huge	huge	ADJ
fbem-4885	34	20	.	.	PUNCT
fbem-4885	35	1	3.2	3.2	NUM
fbem-4885	35	2	.	.	PUNCT
fbem-4885	35	3	comparison	comparison	NOUN
fbem-4885	35	4	of	of	ADP
fbem-4885	35	5	alipay	alipay	PROPN
fbem-4885	35	6	and	and	CCONJ
fbem-4885	35	7	digital	digital	PROPN
fbem-4885	35	8	rmb	rmb	PROPN
fbem-4885	35	9	3.2.1	3.2.1	NUM
fbem-4885	35	10	.	.	PUNCT
fbem-4885	36	1	security	security	NOUN
fbem-4885	36	2	first	first	ADV
fbem-4885	36	3	of	of	ADP
fbem-4885	36	4	all	all	PRON
fbem-4885	36	5	,	,	PUNCT
fbem-4885	36	6	in	in	ADP
fbem-4885	36	7	terms	term	NOUN
fbem-4885	36	8	of	of	ADP
fbem-4885	36	9	credit	credit	NOUN
fbem-4885	36	10	level	level	NOUN
fbem-4885	36	11	,	,	PUNCT
fbem-4885	36	12	digital	digital	ADJ
fbem-4885	36	13	rmb	rmb	NOUN
fbem-4885	36	14	is	be	AUX
fbem-4885	36	15	a	a	DET
fbem-4885	36	16	payment	payment	NOUN
fbem-4885	36	17	system	system	NOUN
fbem-4885	36	18	established	establish	VERB
fbem-4885	36	19	by	by	ADP
fbem-4885	36	20	national	national	ADJ
fbem-4885	36	21	credit	credit	NOUN
fbem-4885	36	22	.	.	PUNCT
fbem-4885	37	1	while	while	SCONJ
fbem-4885	37	2	the	the	DET
fbem-4885	37	3	official	official	ADJ
fbem-4885	37	4	currency	currency	NOUN
fbem-4885	37	5	is	be	AUX
fbem-4885	37	6	in	in	ADP
fbem-4885	37	7	circulation	circulation	NOUN
fbem-4885	37	8	,	,	PUNCT
fbem-4885	37	9	private	private	ADJ
fbem-4885	37	10	minted	mint	VERB
fbem-4885	37	11	and	and	CCONJ
fbem-4885	37	12	foreign	foreign	ADJ
fbem-4885	37	13	currencies	currency	NOUN
fbem-4885	37	14	also	also	ADV
fbem-4885	37	15	exist	exist	VERB
fbem-4885	37	16	in	in	ADP
fbem-4885	37	17	varying	vary	VERB
fbem-4885	37	18	degrees	degree	NOUN
fbem-4885	37	19	.	.	PUNCT
fbem-4885	38	1	in	in	ADP
fbem-4885	38	2	recent	recent	ADJ
fbem-4885	38	3	years	year	NOUN
fbem-4885	38	4	,	,	PUNCT
fbem-4885	38	5	crypto	crypto	NOUN
fbem-4885	38	6	-	-	NOUN
fbem-4885	38	7	assets	asset	NOUN
fbem-4885	38	8	such	such	ADJ
fbem-4885	38	9	as	as	ADP
fbem-4885	38	10	bitcoin	bitcoin	ADJ
fbem-4885	38	11	and	and	CCONJ
fbem-4885	38	12	global	global	ADJ
fbem-4885	38	13	stable	stable	ADJ
fbem-4885	38	14	coins	coin	NOUN
fbem-4885	38	15	have	have	AUX
fbem-4885	38	16	attempted	attempt	VERB
fbem-4885	38	17	to	to	PART
fbem-4885	38	18	perform	perform	VERB
fbem-4885	38	19	monetary	monetary	ADJ
fbem-4885	38	20	functions	function	NOUN
fbem-4885	38	21	,	,	PUNCT
fbem-4885	38	22	starting	start	VERB
fbem-4885	38	23	a	a	DET
fbem-4885	38	24	new	new	ADJ
fbem-4885	38	25	round	round	NOUN
fbem-4885	38	26	of	of	ADP
fbem-4885	38	27	games	game	NOUN
fbem-4885	38	28	between	between	ADP
fbem-4885	38	29	privately	privately	ADV
fbem-4885	38	30	minted	mint	VERB
fbem-4885	38	31	money	money	NOUN
fbem-4885	38	32	,	,	PUNCT
fbem-4885	38	33	foreign	foreign	ADJ
fbem-4885	38	34	money	money	NOUN
fbem-4885	38	35	,	,	PUNCT
fbem-4885	38	36	and	and	CCONJ
fbem-4885	38	37	legal	legal	ADJ
fbem-4885	38	38	tender	tender	NOUN
fbem-4885	38	39	.	.	PUNCT
fbem-4885	39	1	in	in	ADP
fbem-4885	39	2	response	response	NOUN
fbem-4885	39	3	to	to	ADP
fbem-4885	39	4	this	this	DET
fbem-4885	39	5	situation	situation	NOUN
fbem-4885	39	6	,	,	PUNCT
fbem-4885	39	7	the	the	DET
fbem-4885	39	8	country	country	NOUN
fbem-4885	39	9	must	must	AUX
fbem-4885	39	10	use	use	VERB
fbem-4885	39	11	new	new	ADJ
fbem-4885	39	12	technologies	technology	NOUN
fbem-4885	39	13	to	to	PART
fbem-4885	39	14	digitize	digitize	VERB
fbem-4885	39	15	the	the	DET
fbem-4885	39	16	base	base	NOUN
fbem-4885	39	17	currency	currency	NOUN
fbem-4885	39	18	and	and	CCONJ
fbem-4885	39	19	provide	provide	VERB
fbem-4885	39	20	a	a	DET
fbem-4885	39	21	universal	universal	ADJ
fbem-4885	39	22	base	base	NOUN
fbem-4885	39	23	currency	currency	NOUN
fbem-4885	39	24	for	for	ADP
fbem-4885	39	25	the	the	DET
fbem-4885	39	26	development	development	NOUN
fbem-4885	39	27	of	of	ADP
fbem-4885	39	28	the	the	DET
fbem-4885	39	29	digital	digital	ADJ
fbem-4885	39	30	economy	economy	NOUN
fbem-4885	39	31	.	.	PUNCT
fbem-4885	40	1	we	we	PRON
fbem-4885	40	2	believe	believe	VERB
fbem-4885	40	3	that	that	SCONJ
fbem-4885	40	4	this	this	PRON
fbem-4885	40	5	is	be	AUX
fbem-4885	40	6	the	the	DET
fbem-4885	40	7	background	background	NOUN
fbem-4885	40	8	of	of	ADP
fbem-4885	40	9	the	the	DET
fbem-4885	40	10	era	era	NOUN
fbem-4885	40	11	in	in	ADP
fbem-4885	40	12	which	which	PRON
fbem-4885	40	13	the	the	DET
fbem-4885	40	14	digital	digital	ADJ
fbem-4885	40	15	rmb	rmb	NOUN
fbem-4885	40	16	was	be	AUX
fbem-4885	40	17	created	create	VERB
fbem-4885	40	18	and	and	CCONJ
fbem-4885	40	19	the	the	DET
fbem-4885	40	20	significance	significance	NOUN
fbem-4885	40	21	of	of	ADP
fbem-4885	40	22	its	its	PRON
fbem-4885	40	23	positioning	positioning	NOUN
fbem-4885	40	24	as	as	ADP
fbem-4885	40	25	a	a	DET
fbem-4885	40	26	legal	legal	ADJ
fbem-4885	40	27	tender	tender	NOUN
fbem-4885	40	28	.	.	PUNCT
fbem-4885	41	1	in	in	ADP
fbem-4885	41	2	contrast	contrast	NOUN
fbem-4885	41	3	,	,	PUNCT
fbem-4885	41	4	alipay	alipay	PROPN
fbem-4885	41	5	is	be	AUX
fbem-4885	41	6	guaranteed	guarantee	VERB
fbem-4885	41	7	by	by	ADP
fbem-4885	41	8	the	the	DET
fbem-4885	41	9	platform	platform	NOUN
fbem-4885	41	10	credit	credit	NOUN
fbem-4885	41	11	.	.	PUNCT
fbem-4885	42	1	second	second	ADJ
fbem-4885	42	2	,	,	PUNCT
fbem-4885	42	3	from	from	ADP
fbem-4885	42	4	the	the	DET
fbem-4885	42	5	perspective	perspective	NOUN
fbem-4885	42	6	of	of	ADP
fbem-4885	42	7	privacy	privacy	NOUN
fbem-4885	42	8	protection	protection	NOUN
fbem-4885	42	9	,	,	PUNCT
fbem-4885	42	10	digital	digital	ADJ
fbem-4885	42	11	rmb	rmb	NOUN
fbem-4885	42	12	can	can	AUX
fbem-4885	42	13	achieve	achieve	VERB
fbem-4885	42	14	controlled	control	VERB
fbem-4885	42	15	anonymity	anonymity	NOUN
fbem-4885	42	16	by	by	ADP
fbem-4885	42	17	ensuring	ensure	VERB
fbem-4885	42	18	user	user	NOUN
fbem-4885	42	19	data	datum	NOUN
fbem-4885	42	20	security	security	NOUN
fbem-4885	42	21	through	through	ADP
fbem-4885	42	22	privacy	privacy	NOUN
fbem-4885	42	23	protection	protection	NOUN
fbem-4885	42	24	technology	technology	NOUN
fbem-4885	42	25	,	,	PUNCT
fbem-4885	42	26	avoiding	avoid	VERB
fbem-4885	42	27	leakage	leakage	NOUN
fbem-4885	42	28	of	of	ADP
fbem-4885	42	29	sensitive	sensitive	ADJ
fbem-4885	42	30	information	information	NOUN
fbem-4885	42	31	,	,	PUNCT
fbem-4885	42	32	and	and	CCONJ
fbem-4885	42	33	not	not	PART
fbem-4885	42	34	compromising	compromise	VERB
fbem-4885	42	35	usability	usability	NOUN
fbem-4885	42	36	;	;	PUNCT
fbem-4885	42	37	at	at	ADP
fbem-4885	42	38	the	the	DET
fbem-4885	42	39	same	same	ADJ
fbem-4885	42	40	time	time	NOUN
fbem-4885	42	41	,	,	PUNCT
fbem-4885	42	42	it	it	PRON
fbem-4885	42	43	achieves	achieve	VERB
fbem-4885	42	44	the	the	DET
fbem-4885	42	45	management	management	NOUN
fbem-4885	42	46	of	of	ADP
fbem-4885	42	47	relevant	relevant	ADJ
fbem-4885	42	48	data	datum	NOUN
fbem-4885	42	49	usage	usage	NOUN
fbem-4885	42	50	rights	right	NOUN
fbem-4885	42	51	and	and	CCONJ
fbem-4885	42	52	ensures	ensure	VERB
fbem-4885	42	53	traceability	traceability	NOUN
fbem-4885	42	54	under	under	ADP
fbem-4885	42	55	certain	certain	ADJ
fbem-4885	42	56	conditions	condition	NOUN
fbem-4885	42	57	.	.	PUNCT
fbem-4885	43	1	[	[	X
fbem-4885	43	2	3	3	X
fbem-4885	43	3	]	]	X
fbem-4885	43	4	if	if	SCONJ
fbem-4885	43	5	you	you	PRON
fbem-4885	43	6	want	want	VERB
fbem-4885	43	7	to	to	PART
fbem-4885	43	8	make	make	VERB
fbem-4885	43	9	large	large	ADJ
fbem-4885	43	10	payments	payment	NOUN
fbem-4885	43	11	,	,	PUNCT
fbem-4885	43	12	you	you	PRON
fbem-4885	43	13	need	need	VERB
fbem-4885	43	14	to	to	PART
fbem-4885	43	15	upgrade	upgrade	VERB
fbem-4885	43	16	your	your	PRON
fbem-4885	43	17	wallet	wallet	NOUN
fbem-4885	43	18	,	,	PUNCT
fbem-4885	43	19	and	and	CCONJ
fbem-4885	43	20	the	the	DET
fbem-4885	43	21	balance	balance	NOUN
fbem-4885	43	22	and	and	CCONJ
fbem-4885	43	23	payment	payment	NOUN
fbem-4885	43	24	limit	limit	NOUN
fbem-4885	43	25	will	will	AUX
fbem-4885	43	26	increase	increase	VERB
fbem-4885	43	27	as	as	ADP
fbem-4885	43	28	the	the	DET
fbem-4885	43	29	kyc	kyc	PROPN
fbem-4885	43	30	strength	strength	NOUN
fbem-4885	43	31	increases	increase	VERB
fbem-4885	43	32	.	.	PUNCT
fbem-4885	44	1	then	then	ADV
fbem-4885	44	2	as	as	SCONJ
fbem-4885	44	3	a	a	DET
fbem-4885	44	4	representative	representative	NOUN
fbem-4885	44	5	of	of	ADP
fbem-4885	44	6	third	third	ADJ
fbem-4885	44	7	-	-	PUNCT
fbem-4885	44	8	party	party	NOUN
fbem-4885	44	9	payment	payment	NOUN
fbem-4885	44	10	,	,	PUNCT
fbem-4885	44	11	alipay	alipay	PROPN
fbem-4885	44	12	,	,	PUNCT
fbem-4885	44	13	is	be	AUX
fbem-4885	44	14	based	base	VERB
fbem-4885	44	15	on	on	ADP
fbem-4885	44	16	strong	strong	ADJ
fbem-4885	44	17	kyc	kyc	NOUN
fbem-4885	44	18	of	of	ADP
fbem-4885	44	19	payment	payment	NOUN
fbem-4885	44	20	accounts	account	NOUN
fbem-4885	44	21	,	,	PUNCT
fbem-4885	44	22	and	and	CCONJ
fbem-4885	44	23	third	third	ADJ
fbem-4885	44	24	-	-	PUNCT
fbem-4885	44	25	party	party	NOUN
fbem-4885	44	26	payment	payment	NOUN
fbem-4885	44	27	institutions	institution	NOUN
fbem-4885	44	28	collect	collect	VERB
fbem-4885	44	29	and	and	CCONJ
fbem-4885	44	30	use	use	VERB
fbem-4885	44	31	user	user	NOUN
fbem-4885	44	32	data	datum	NOUN
fbem-4885	44	33	under	under	ADP
fbem-4885	44	34	relevant	relevant	ADJ
fbem-4885	44	35	legal	legal	ADJ
fbem-4885	44	36	regulations	regulation	NOUN
fbem-4885	44	37	and	and	CCONJ
fbem-4885	44	38	user	user	NOUN
fbem-4885	44	39	authorization	authorization	NOUN
fbem-4885	44	40	.	.	PUNCT
fbem-4885	45	1	digital	digital	ADJ
fbem-4885	45	2	rmb	rmb	PROPN
fbem-4885	45	3	enables	enable	VERB
fbem-4885	45	4	the	the	DET
fbem-4885	45	5	identification	identification	NOUN
fbem-4885	45	6	of	of	ADP
fbem-4885	45	7	suspicious	suspicious	ADJ
fbem-4885	45	8	accounts	account	NOUN
fbem-4885	45	9	through	through	ADP
fbem-4885	45	10	big	big	ADJ
fbem-4885	45	11	data	datum	NOUN
fbem-4885	45	12	analysis	analysis	NOUN
fbem-4885	45	13	.	.	PUNCT
fbem-4885	46	1	mandatory	mandatory	ADJ
fbem-4885	46	2	legal	legal	ADJ
fbem-4885	46	3	reimbursement	reimbursement	NOUN
fbem-4885	46	4	:	:	PUNCT
fbem-4885	46	5	digital	digital	ADJ
fbem-4885	46	6	rmb	rmb	NOUN
fbem-4885	46	7	is	be	AUX
fbem-4885	46	8	unlimited	unlimited	ADJ
fbem-4885	46	9	legal	legal	ADJ
fbem-4885	46	10	reimbursement	reimbursement	NOUN
fbem-4885	46	11	,	,	PUNCT
fbem-4885	46	12	while	while	SCONJ
fbem-4885	46	13	alipay	alipay	PROPN
fbem-4885	46	14	is	be	AUX
fbem-4885	46	15	non	non	ADJ
fbem-4885	46	16	-	-	ADJ
fbem-4885	46	17	reimbursable	reimbursable	ADJ
fbem-4885	46	18	.	.	PUNCT
fbem-4885	47	1	3.2.2	3.2.2	X
fbem-4885	47	2	.	.	PUNCT
fbem-4885	47	3	convenience	convenience	VERB
fbem-4885	47	4	the	the	DET
fbem-4885	47	5	accounting	accounting	NOUN
fbem-4885	47	6	system	system	NOUN
fbem-4885	47	7	of	of	ADP
fbem-4885	47	8	digital	digital	ADJ
fbem-4885	47	9	rmb	rmb	NOUN
fbem-4885	47	10	is	be	AUX
fbem-4885	47	11	based	base	VERB
fbem-4885	47	12	on	on	ADP
fbem-4885	47	13	the	the	DET
fbem-4885	47	14	digital	digital	ADJ
fbem-4885	47	15	rmb	rmb	PROPN
fbem-4885	47	16	issuance	issuance	NOUN
fbem-4885	47	17	registration	registration	NOUN
fbem-4885	47	18	system	system	NOUN
fbem-4885	47	19	managed	manage	VERB
fbem-4885	47	20	by	by	ADP
fbem-4885	47	21	the	the	DET
fbem-4885	47	22	central	central	ADJ
fbem-4885	47	23	bank	bank	NOUN
fbem-4885	47	24	,	,	PUNCT
fbem-4885	47	25	which	which	PRON
fbem-4885	47	26	is	be	AUX
fbem-4885	47	27	a	a	DET
fbem-4885	47	28	loosely	loosely	ADV
fbem-4885	47	29	coupled	couple	VERB
fbem-4885	47	30	account	account	NOUN
fbem-4885	47	31	model	model	NOUN
fbem-4885	47	32	,	,	PUNCT
fbem-4885	47	33	while	while	SCONJ
fbem-4885	47	34	the	the	DET
fbem-4885	47	35	accounting	accounting	NOUN
fbem-4885	47	36	system	system	NOUN
fbem-4885	47	37	of	of	ADP
fbem-4885	47	38	alipay	alipay	PROPN
fbem-4885	47	39	is	be	AUX
fbem-4885	47	40	based	base	VERB
fbem-4885	47	41	on	on	ADP
fbem-4885	47	42	the	the	DET
fbem-4885	47	43	accounts	account	NOUN
fbem-4885	47	44	of	of	ADP
fbem-4885	47	45	third	third	ADJ
fbem-4885	47	46	-	-	PUNCT
fbem-4885	47	47	party	party	NOUN
fbem-4885	47	48	payment	payment	NOUN
fbem-4885	47	49	institutions	institution	NOUN
fbem-4885	47	50	and	and	CCONJ
fbem-4885	47	51	the	the	DET
fbem-4885	47	52	reserve	reserve	NOUN
fbem-4885	47	53	accounts	account	NOUN
fbem-4885	47	54	of	of	ADP
fbem-4885	47	55	third	third	ADJ
fbem-4885	47	56	-	-	PUNCT
fbem-4885	47	57	party	party	NOUN
fbem-4885	47	58	payment	payment	NOUN
fbem-4885	47	59	institutions	institution	NOUN
fbem-4885	47	60	at	at	ADP
fbem-4885	47	61	the	the	DET
fbem-4885	47	62	central	central	ADJ
fbem-4885	47	63	bank	bank	NOUN
fbem-4885	47	64	,	,	PUNCT
fbem-4885	47	65	which	which	PRON
fbem-4885	47	66	is	be	AUX
fbem-4885	47	67	a	a	DET
fbem-4885	47	68	tightly	tightly	ADV
fbem-4885	47	69	coupled	couple	VERB
fbem-4885	47	70	account	account	NOUN
fbem-4885	47	71	model	model	NOUN
fbem-4885	47	72	.	.	PUNCT
fbem-4885	48	1	[	[	X
fbem-4885	48	2	4	4	NUM
fbem-4885	48	3	]	]	SYM
fbem-4885	48	4	3.2.3	3.2.3	NUM
fbem-4885	48	5	.	.	PUNCT
fbem-4885	49	1	cost	cost	NOUN
fbem-4885	49	2	of	of	ADP
fbem-4885	49	3	expenses	expense	NOUN
fbem-4885	49	4	the	the	DET
fbem-4885	49	5	clearing	clearing	NOUN
fbem-4885	49	6	mode	mode	NOUN
fbem-4885	49	7	of	of	ADP
fbem-4885	49	8	digital	digital	ADJ
fbem-4885	49	9	rmb	rmb	NOUN
fbem-4885	49	10	is	be	AUX
fbem-4885	49	11	payment	payment	NOUN
fbem-4885	49	12	-	-	PUNCT
fbem-4885	49	13	assettlement	assettlement	ADJ
fbem-4885	49	14	,	,	PUNCT
fbem-4885	49	15	and	and	CCONJ
fbem-4885	49	16	digital	digital	ADJ
fbem-4885	49	17	rmb	rmb	PROPN
fbem-4885	49	18	relies	rely	VERB
fbem-4885	49	19	on	on	ADP
fbem-4885	49	20	the	the	DET
fbem-4885	49	21	"	"	PUNCT
fbem-4885	49	22	payment	payment	NOUN
fbem-4885	49	23	-	-	PUNCT
fbem-4885	49	24	assettlement	assettlement	NOUN
fbem-4885	49	25	"	"	PUNCT
fbem-4885	49	26	function	function	NOUN
fbem-4885	49	27	to	to	PART
fbem-4885	49	28	achieve	achieve	VERB
fbem-4885	49	29	cost	cost	NOUN
fbem-4885	49	30	reduction	reduction	NOUN
fbem-4885	49	31	and	and	CCONJ
fbem-4885	49	32	efficiency	efficiency	NOUN
fbem-4885	49	33	enhancement	enhancement	NOUN
fbem-4885	49	34	on	on	ADP
fbem-4885	49	35	the	the	DET
fbem-4885	49	36	merchant	merchant	NOUN
fbem-4885	49	37	side	side	NOUN
fbem-4885	49	38	.	.	PUNCT
fbem-4885	50	1	since	since	SCONJ
fbem-4885	50	2	digital	digital	ADJ
fbem-4885	50	3	rmb	rmb	NOUN
fbem-4885	50	4	transactions	transaction	NOUN
fbem-4885	50	5	are	be	AUX
fbem-4885	50	6	conducted	conduct	VERB
fbem-4885	50	7	in	in	ADP
fbem-4885	50	8	the	the	DET
fbem-4885	50	9	core	core	NOUN
fbem-4885	50	10	system	system	NOUN
fbem-4885	50	11	of	of	ADP
fbem-4885	50	12	the	the	DET
fbem-4885	50	13	central	central	ADJ
fbem-4885	50	14	bank	bank	NOUN
fbem-4885	50	15	,	,	PUNCT
fbem-4885	50	16	and	and	CCONJ
fbem-4885	50	17	digital	digital	ADJ
fbem-4885	50	18	rmb	rmb	NOUN
fbem-4885	50	19	is	be	AUX
fbem-4885	50	20	located	locate	VERB
fbem-4885	50	21	at	at	ADP
fbem-4885	50	22	m0	m0	PROPN
fbem-4885	50	23	,	,	PUNCT
fbem-4885	50	24	which	which	PRON
fbem-4885	50	25	is	be	AUX
fbem-4885	50	26	equivalent	equivalent	ADJ
fbem-4885	50	27	to	to	ADP
fbem-4885	50	28	physical	physical	ADJ
fbem-4885	50	29	rmb	rmb	NOUN
fbem-4885	50	30	,	,	PUNCT
fbem-4885	50	31	the	the	DET
fbem-4885	50	32	central	central	ADJ
fbem-4885	50	33	bank	bank	NOUN
fbem-4885	50	34	does	do	AUX
fbem-4885	50	35	not	not	PART
fbem-4885	50	36	charge	charge	VERB
fbem-4885	50	37	the	the	DET
fbem-4885	50	38	issuing	issuing	NOUN
fbem-4885	50	39	layer	layer	NOUN
fbem-4885	50	40	for	for	ADP
fbem-4885	50	41	exchange	exchange	NOUN
fbem-4885	50	42	and	and	CCONJ
fbem-4885	50	43	circulation	circulation	NOUN
fbem-4885	50	44	services	service	NOUN
fbem-4885	50	45	,	,	PUNCT
fbem-4885	50	46	and	and	CCONJ
fbem-4885	50	47	commercial	commercial	ADJ
fbem-4885	50	48	banks	bank	NOUN
fbem-4885	50	49	do	do	AUX
fbem-4885	50	50	not	not	PART
fbem-4885	50	51	charge	charge	VERB
fbem-4885	50	52	individual	individual	ADJ
fbem-4885	50	53	customers	customer	NOUN
fbem-4885	50	54	for	for	ADP
fbem-4885	50	55	exchange	exchange	NOUN
fbem-4885	50	56	and	and	CCONJ
fbem-4885	50	57	return	return	VERB
fbem-4885	50	58	services	service	NOUN
fbem-4885	50	59	of	of	ADP
fbem-4885	50	60	digital	digital	ADJ
fbem-4885	50	61	rmb	rmb	NOUN
fbem-4885	50	62	.	.	PUNCT
fbem-4885	51	1	as	as	ADP
fbem-4885	51	2	a	a	DET
fbem-4885	51	3	result	result	NOUN
fbem-4885	51	4	,	,	PUNCT
fbem-4885	51	5	payment	payment	NOUN
fbem-4885	51	6	settlement	settlement	NOUN
fbem-4885	51	7	of	of	ADP
fbem-4885	51	8	digital	digital	ADJ
fbem-4885	51	9	rmb	rmb	NOUN
fbem-4885	51	10	is	be	AUX
fbem-4885	51	11	currently	currently	ADV
fbem-4885	51	12	free	free	ADJ
fbem-4885	51	13	of	of	ADP
fbem-4885	51	14	fees	fee	NOUN
fbem-4885	51	15	,	,	PUNCT
fbem-4885	51	16	resulting	result	VERB
fbem-4885	51	17	in	in	ADP
fbem-4885	51	18	lower	low	ADJ
fbem-4885	51	19	payment	payment	NOUN
fbem-4885	51	20	costs	cost	NOUN
fbem-4885	51	21	for	for	ADP
fbem-4885	51	22	merchants	merchant	NOUN
fbem-4885	51	23	.	.	PUNCT
fbem-4885	52	1	the	the	DET
fbem-4885	52	2	third	third	ADJ
fbem-4885	52	3	-	-	PUNCT
fbem-4885	52	4	party	party	NOUN
fbem-4885	52	5	payment	payment	NOUN
fbem-4885	52	6	system	system	NOUN
fbem-4885	52	7	represented	represent	VERB
fbem-4885	52	8	by	by	ADP
fbem-4885	52	9	alipay	alipay	PROPN
fbem-4885	52	10	,	,	PUNCT
fbem-4885	52	11	on	on	ADP
fbem-4885	52	12	the	the	DET
fbem-4885	52	13	other	other	ADJ
fbem-4885	52	14	hand	hand	NOUN
fbem-4885	52	15	,	,	PUNCT
fbem-4885	52	16	requires	require	VERB
fbem-4885	52	17	clearing	clearing	NOUN
fbem-4885	52	18	and	and	CCONJ
fbem-4885	52	19	settlement	settlement	NOUN
fbem-4885	52	20	through	through	ADP
fbem-4885	52	21	netbank	netbank	NOUN
fbem-4885	52	22	or	or	CCONJ
fbem-4885	52	23	unionpay	unionpay	NOUN
fbem-4885	52	24	.	.	PUNCT
fbem-4885	53	1	4	4	X
fbem-4885	53	2	.	.	X
fbem-4885	53	3	empirical	empirical	ADJ
fbem-4885	53	4	study	study	NOUN
fbem-4885	53	5	4.1	4.1	NUM
fbem-4885	53	6	.	.	PUNCT
fbem-4885	54	1	model	model	NOUN
fbem-4885	54	2	construction	construction	NOUN
fbem-4885	54	3	this	this	DET
fbem-4885	54	4	paper	paper	NOUN
fbem-4885	54	5	explores	explore	VERB
fbem-4885	54	6	the	the	DET
fbem-4885	54	7	relationship	relationship	NOUN
fbem-4885	54	8	between	between	ADP
fbem-4885	54	9	the	the	DET
fbem-4885	54	10	number	number	NOUN
fbem-4885	54	11	of	of	ADP
fbem-4885	54	12	mobile	mobile	ADJ
fbem-4885	54	13	payment	payment	NOUN
fbem-4885	54	14	users	user	NOUN
fbem-4885	54	15	and	and	CCONJ
fbem-4885	54	16	the	the	DET
fbem-4885	54	17	cumulative	cumulative	ADJ
fbem-4885	54	18	amount	amount	NOUN
fbem-4885	54	19	of	of	ADP
fbem-4885	54	20	nonbank	nonbank	NOUN
fbem-4885	54	21	payment	payment	NOUN
fbem-4885	54	22	institutions	institution	NOUN
fbem-4885	54	23	in	in	ADP
fbem-4885	54	24	china	china	PROPN
fbem-4885	54	25	based	base	VERB
fbem-4885	54	26	on	on	ADP
fbem-4885	54	27	the	the	DET
fbem-4885	54	28	cumulative	cumulative	ADJ
fbem-4885	54	29	amount	amount	NOUN
fbem-4885	54	30	of	of	ADP
fbem-4885	54	31	non	non	ADJ
fbem-4885	54	32	-	-	ADJ
fbem-4885	54	33	bank	bank	ADJ
fbem-4885	54	34	payment	payment	NOUN
fbem-4885	54	35	institutions	institution	NOUN
fbem-4885	54	36	from	from	ADP
fbem-4885	54	37	2015	2015	NUM
fbem-4885	54	38	to	to	ADP
fbem-4885	54	39	2020	2020	NUM
fbem-4885	54	40	and	and	CCONJ
fbem-4885	54	41	constructs	construct	VERB
fbem-4885	54	42	a	a	DET
fbem-4885	54	43	general	general	ADJ
fbem-4885	54	44	linear	linear	NOUN
fbem-4885	54	45	regression	regression	NOUN
fbem-4885	54	46	model	model	NOUN
fbem-4885	54	47	through	through	ADP
fbem-4885	54	48	spss	spss	PROPN
fbem-4885	54	49	22.0	22.0	NUM
fbem-4885	54	50	.	.	PUNCT
fbem-4885	55	1	the	the	DET
fbem-4885	55	2	dependent	dependent	ADJ
fbem-4885	55	3	variable	variable	NOUN
fbem-4885	55	4	is	be	AUX
fbem-4885	55	5	the	the	DET
fbem-4885	55	6	cumulative	cumulative	ADJ
fbem-4885	55	7	amount	amount	NOUN
fbem-4885	55	8	of	of	ADP
fbem-4885	55	9	non	non	ADJ
fbem-4885	55	10	-	-	ADJ
fbem-4885	55	11	bank	bank	ADJ
fbem-4885	55	12	payment	payment	NOUN
fbem-4885	55	13	institutions	institution	NOUN
fbem-4885	55	14	,	,	PUNCT
fbem-4885	55	15	and	and	CCONJ
fbem-4885	55	16	it	it	PRON
fbem-4885	55	17	is	be	AUX
fbem-4885	55	18	assumed	assume	VERB
fbem-4885	55	19	that	that	SCONJ
fbem-4885	55	20	the	the	DET
fbem-4885	55	21	cumulative	cumulative	ADJ
fbem-4885	55	22	amount	amount	NOUN
fbem-4885	55	23	of	of	ADP
fbem-4885	55	24	non	non	ADJ
fbem-4885	55	25	-	-	ADJ
fbem-4885	55	26	bank	bank	ADJ
fbem-4885	55	27	payment	payment	NOUN
fbem-4885	55	28	institutions	institution	NOUN
fbem-4885	55	29	is	be	AUX
fbem-4885	55	30	generated	generate	VERB
fbem-4885	55	31	by	by	ADP
fbem-4885	55	32	alipay	alipay	PROPN
fbem-4885	55	33	and	and	CCONJ
fbem-4885	55	34	wechat	wechat	PROPN
fbem-4885	55	35	pay	pay	NOUN
fbem-4885	55	36	.	.	PUNCT
fbem-4885	56	1	china	china	PROPN
fbem-4885	56	2	's	's	PART
fbem-4885	56	3	historical	historical	ADJ
fbem-4885	56	4	mobile	mobile	ADJ
fbem-4885	56	5	payment	payment	NOUN
fbem-4885	56	6	market	market	NOUN
fbem-4885	56	7	share	share	NOUN
fbem-4885	56	8	:	:	PUNCT
fbem-4885	56	9	in	in	ADP
fbem-4885	56	10	2015	2015	NUM
fbem-4885	56	11	,	,	PUNCT
fbem-4885	56	12	alipay	alipay	PROPN
fbem-4885	56	13	occupied	occupy	VERB
fbem-4885	56	14	72.90	72.90	NUM
fbem-4885	56	15	%	%	NOUN
fbem-4885	56	16	and	and	CCONJ
fbem-4885	56	17	wechat	wechat	NOUN
fbem-4885	56	18	payment	payment	NOUN
fbem-4885	56	19	occupied	occupy	VERB
fbem-4885	56	20	17.40	17.40	NUM
fbem-4885	56	21	%	%	NOUN
fbem-4885	56	22	;	;	PUNCT
fbem-4885	56	23	in	in	ADP
fbem-4885	56	24	2016	2016	NUM
fbem-4885	56	25	,	,	PUNCT
fbem-4885	56	26	alipay	alipay	PROPN
fbem-4885	56	27	occupied	occupy	VERB
fbem-4885	56	28	54.10	54.10	NUM
fbem-4885	56	29	%	%	NOUN
fbem-4885	56	30	and	and	CCONJ
fbem-4885	56	31	wechat	wechat	NOUN
fbem-4885	56	32	payment	payment	NOUN
fbem-4885	56	33	occupied	occupy	VERB
fbem-4885	56	34	37.02	37.02	NUM
fbem-4885	56	35	%	%	NOUN
fbem-4885	56	36	;	;	PUNCT
fbem-4885	56	37	in	in	ADP
fbem-4885	56	38	2017	2017	NUM
fbem-4885	56	39	,	,	PUNCT
fbem-4885	56	40	alipay	alipay	PROPN
fbem-4885	56	41	occupied	occupy	VERB
fbem-4885	56	42	54.26	54.26	NUM
fbem-4885	56	43	%	%	NOUN
fbem-4885	56	44	and	and	CCONJ
fbem-4885	56	45	wechat	wechat	NOUN
fbem-4885	56	46	payment	payment	NOUN
fbem-4885	56	47	occupied	occupy	VERB
fbem-4885	56	48	38.15	38.15	NUM
fbem-4885	56	49	%	%	NOUN
fbem-4885	56	50	;	;	PUNCT
fbem-4885	56	51	in	in	ADP
fbem-4885	56	52	2018	2018	NUM
fbem-4885	56	53	,	,	PUNCT
fbem-4885	56	54	alipay	alipay	PROPN
fbem-4885	56	55	occupied	occupy	VERB
fbem-4885	56	56	53.78	53.78	NUM
fbem-4885	56	57	%	%	NOUN
fbem-4885	56	58	and	and	CCONJ
fbem-4885	56	59	wechat	wechat	NOUN
fbem-4885	56	60	payment	payment	NOUN
fbem-4885	56	61	occupied	occupy	VERB
fbem-4885	56	62	38.87	38.87	NUM
fbem-4885	56	63	%	%	NOUN
fbem-4885	56	64	;	;	PUNCT
fbem-4885	56	65	in	in	ADP
fbem-4885	56	66	2019	2019	NUM
fbem-4885	56	67	,	,	PUNCT
fbem-4885	56	68	alipay	alipay	PROPN
fbem-4885	56	69	occupies	occupy	VERB
fbem-4885	56	70	53.58	53.58	NUM
fbem-4885	56	71	%	%	NOUN
fbem-4885	56	72	,	,	PUNCT
fbem-4885	56	73	wechat	wechat	PRON
fbem-4885	56	74	payment	payment	NOUN
fbem-4885	56	75	occupies	occupy	VERB
fbem-4885	56	76	39.53	39.53	NUM
fbem-4885	56	77	%	%	NOUN
fbem-4885	56	78	;	;	PUNCT
fbem-4885	56	79	in	in	ADP
fbem-4885	56	80	2020	2020	NUM
fbem-4885	56	81	,	,	PUNCT
fbem-4885	56	82	alipay	alipay	PROPN
fbem-4885	56	83	occupies	occupy	VERB
fbem-4885	56	84	55.40	55.40	NUM
fbem-4885	56	85	%	%	NOUN
fbem-4885	56	86	,	,	PUNCT
fbem-4885	56	87	wechat	wechat	PRON
fbem-4885	56	88	payment	payment	NOUN
fbem-4885	56	89	occupies	occupy	VERB
fbem-4885	56	90	38.80%.the	38.80%.the	DET
fbem-4885	56	91	above	above	ADJ
fbem-4885	56	92	data	datum	NOUN
fbem-4885	56	93	shows	show	VERB
fbem-4885	56	94	that	that	SCONJ
fbem-4885	56	95	alipay	alipay	PROPN
fbem-4885	56	96	and	and	CCONJ
fbem-4885	56	97	wechat	wechat	PROPN
fbem-4885	56	98	pay	pay	VERB
fbem-4885	56	99	account	account	NOUN
fbem-4885	56	100	for	for	ADP
fbem-4885	56	101	more	more	ADJ
fbem-4885	56	102	than	than	ADP
fbem-4885	56	103	90	90	NUM
fbem-4885	56	104	%	%	NOUN
fbem-4885	56	105	of	of	ADP
fbem-4885	56	106	the	the	DET
fbem-4885	56	107	total	total	ADJ
fbem-4885	56	108	mobile	mobile	ADJ
fbem-4885	56	109	payment	payment	NOUN
fbem-4885	56	110	market	market	NOUN
fbem-4885	56	111	share	share	NOUN
fbem-4885	56	112	between	between	ADP
fbem-4885	56	113	2015	2015	NUM
fbem-4885	56	114	and	and	CCONJ
fbem-4885	56	115	2020	2020	NUM
fbem-4885	56	116	.	.	PUNCT
fbem-4885	57	1	therefore	therefore	ADV
fbem-4885	57	2	,	,	PUNCT
fbem-4885	57	3	assuming	assume	VERB
fbem-4885	57	4	that	that	SCONJ
fbem-4885	57	5	both	both	PRON
fbem-4885	57	6	split	split	VERB
fbem-4885	57	7	the	the	DET
fbem-4885	57	8	entire	entire	ADJ
fbem-4885	57	9	market	market	NOUN
fbem-4885	57	10	.	.	PUNCT
fbem-4885	58	1	157	157	NUM
fbem-4885	58	2	first	first	ADJ
fbem-4885	58	3	,	,	PUNCT
fbem-4885	58	4	do	do	VERB
fbem-4885	58	5	a	a	DET
fbem-4885	58	6	scatter	scatter	NOUN
fbem-4885	58	7	plot	plot	NOUN
fbem-4885	58	8	to	to	PART
fbem-4885	58	9	observe	observe	VERB
fbem-4885	58	10	whether	whether	SCONJ
fbem-4885	58	11	there	there	PRON
fbem-4885	58	12	is	be	VERB
fbem-4885	58	13	a	a	DET
fbem-4885	58	14	trend	trend	NOUN
fbem-4885	58	15	between	between	ADP
fbem-4885	58	16	the	the	DET
fbem-4885	58	17	two	two	NUM
fbem-4885	58	18	,	,	PUNCT
fbem-4885	58	19	whether	whether	SCONJ
fbem-4885	58	20	there	there	PRON
fbem-4885	58	21	is	be	VERB
fbem-4885	58	22	a	a	DET
fbem-4885	58	23	linear	linear	ADJ
fbem-4885	58	24	trend	trend	NOUN
fbem-4885	58	25	,	,	PUNCT
fbem-4885	58	26	and	and	CCONJ
fbem-4885	58	27	whether	whether	SCONJ
fbem-4885	58	28	there	there	PRON
fbem-4885	58	29	are	be	VERB
fbem-4885	58	30	strong	strong	ADJ
fbem-4885	58	31	outliers	outlier	NOUN
fbem-4885	58	32	.	.	PUNCT
fbem-4885	59	1	figure	figure	VERB
fbem-4885	59	2	1	1	NUM
fbem-4885	59	3	.	.	PUNCT
fbem-4885	60	1	the	the	DET
fbem-4885	60	2	relationship	relationship	NOUN
fbem-4885	60	3	between	between	ADP
fbem-4885	60	4	the	the	DET
fbem-4885	60	5	number	number	NOUN
fbem-4885	60	6	of	of	ADP
fbem-4885	60	7	users	user	NOUN
fbem-4885	60	8	and	and	CCONJ
fbem-4885	60	9	the	the	DET
fbem-4885	60	10	amount	amount	NOUN
fbem-4885	60	11	incurred	incur	VERB
fbem-4885	60	12	as	as	SCONJ
fbem-4885	60	13	shown	show	VERB
fbem-4885	60	14	in	in	ADP
fbem-4885	60	15	the	the	DET
fbem-4885	60	16	figure	figure	NOUN
fbem-4885	60	17	1	1	NUM
fbem-4885	60	18	,	,	PUNCT
fbem-4885	60	19	a	a	DET
fbem-4885	60	20	linear	linear	ADJ
fbem-4885	60	21	trend	trend	NOUN
fbem-4885	60	22	and	and	CCONJ
fbem-4885	60	23	no	no	DET
fbem-4885	60	24	strong	strong	ADJ
fbem-4885	60	25	outliers	outlier	NOUN
fbem-4885	60	26	are	be	AUX
fbem-4885	60	27	found	find	VERB
fbem-4885	60	28	between	between	ADP
fbem-4885	60	29	the	the	DET
fbem-4885	60	30	cumulative	cumulative	ADJ
fbem-4885	60	31	incidence	incidence	NOUN
fbem-4885	60	32	of	of	ADP
fbem-4885	60	33	nonbank	nonbank	NOUN
fbem-4885	60	34	payment	payment	NOUN
fbem-4885	60	35	institutions	institution	NOUN
fbem-4885	60	36	and	and	CCONJ
fbem-4885	60	37	the	the	DET
fbem-4885	60	38	number	number	NOUN
fbem-4885	60	39	of	of	ADP
fbem-4885	60	40	mobile	mobile	ADJ
fbem-4885	60	41	payment	payment	NOUN
fbem-4885	60	42	users	user	NOUN
fbem-4885	60	43	.	.	PUNCT
fbem-4885	61	1	table	table	NOUN
fbem-4885	61	2	1	1	NUM
fbem-4885	61	3	.	.	PUNCT
fbem-4885	62	1	regression	regression	VERB
fbem-4885	62	2	analysis	analysis	NOUN
fbem-4885	62	3	of	of	ADP
fbem-4885	62	4	anovaa	anovaa	PROPN
fbem-4885	62	5	model	model	PROPN
fbem-4885	62	6	sum	sum	NOUN
fbem-4885	62	7	of	of	ADP
fbem-4885	62	8	squares	square	NOUN
fbem-4885	62	9	df	df	PROPN
fbem-4885	62	10	mean	mean	PROPN
fbem-4885	62	11	square	square	PROPN
fbem-4885	62	12	f	f	PROPN
fbem-4885	63	1	sig	sig	NOUN
fbem-4885	63	2	1	1	NUM
fbem-4885	63	3	regression	regression	VERB
fbem-4885	63	4	6.875	6.875	NUM
fbem-4885	63	5	1	1	NUM
fbem-4885	63	6	6.875	6.875	NUM
fbem-4885	63	7	395.343	395.343	NUM
fbem-4885	63	8	.000b	.000b	PROPN
fbem-4885	63	9	residual	residual	ADJ
fbem-4885	63	10	.052	.052	NUM
fbem-4885	63	11	3	3	NUM
fbem-4885	63	12	.17	.17	NUM
fbem-4885	63	13	total	total	NOUN
fbem-4885	63	14	6.927	6.927	NUM
fbem-4885	63	15	4	4	NUM
fbem-4885	63	16	a.	a.	NOUN
fbem-4885	63	17	dependent	dependent	ADJ
fbem-4885	63	18	variable	variable	NOUN
fbem-4885	63	19	:	:	PUNCT
fbem-4885	63	20	number	number	NOUN
fbem-4885	63	21	of	of	ADP
fbem-4885	63	22	mobile	mobile	ADJ
fbem-4885	63	23	payment	payment	NOUN
fbem-4885	63	24	users	user	NOUN
fbem-4885	63	25	in	in	ADP
fbem-4885	63	26	china	china	PROPN
fbem-4885	63	27	b.	b.	PROPN
fbem-4885	63	28	predictors:(constant	predictors:(constant	PROPN
fbem-4885	63	29	)	)	PUNCT
fbem-4885	63	30	accumulated	accumulate	VERB
fbem-4885	63	31	amount	amount	NOUN
fbem-4885	63	32	incurred	incur	VERB
fbem-4885	63	33	by	by	ADP
fbem-4885	63	34	non	non	ADJ
fbem-4885	63	35	-	-	ADJ
fbem-4885	63	36	bank	bank	ADJ
fbem-4885	63	37	payment	payment	NOUN
fbem-4885	63	38	institutions	institution	NOUN
fbem-4885	63	39	the	the	DET
fbem-4885	63	40	sig	sig	NOUN
fbem-4885	63	41	value	value	NOUN
fbem-4885	63	42	<	<	X
fbem-4885	63	43	0.05	0.05	NUM
fbem-4885	63	44	can	can	AUX
fbem-4885	63	45	be	be	AUX
fbem-4885	63	46	seen	see	VERB
fbem-4885	63	47	from	from	ADP
fbem-4885	63	48	the	the	DET
fbem-4885	63	49	table	table	NOUN
fbem-4885	63	50	,	,	PUNCT
fbem-4885	63	51	which	which	PRON
fbem-4885	63	52	indicates	indicate	VERB
fbem-4885	63	53	that	that	SCONJ
fbem-4885	63	54	there	there	PRON
fbem-4885	63	55	is	be	VERB
fbem-4885	63	56	value	value	NOUN
fbem-4885	63	57	in	in	ADP
fbem-4885	63	58	predicting	predict	VERB
fbem-4885	63	59	the	the	DET
fbem-4885	63	60	cumulative	cumulative	ADJ
fbem-4885	63	61	incidence	incidence	NOUN
fbem-4885	63	62	using	use	VERB
fbem-4885	63	63	non	non	ADJ
fbem-4885	63	64	-	-	ADJ
fbem-4885	63	65	bank	bank	ADJ
fbem-4885	63	66	payment	payment	NOUN
fbem-4885	63	67	institutions	institution	NOUN
fbem-4885	63	68	.	.	PUNCT
fbem-4885	64	1	table	table	NOUN
fbem-4885	64	2	2	2	NUM
fbem-4885	64	3	.	.	PUNCT
fbem-4885	65	1	regression	regression	NOUN
fbem-4885	65	2	equation	equation	NOUN
fbem-4885	65	3	of	of	ADP
fbem-4885	65	4	coefficientsa	coefficientsa	NOUN
fbem-4885	65	5	model	model	VERB
fbem-4885	65	6	unstandardized	unstandardized	ADJ
fbem-4885	65	7	coefficients	coefficient	NOUN
fbem-4885	65	8	standardized	standardize	VERB
fbem-4885	65	9	coefficients	coefficient	NOUN
fbem-4885	65	10	t	t	PROPN
fbem-4885	65	11	sig	sig	PROPN
fbem-4885	65	12	.	.	PUNCT
fbem-4885	66	1	b	b	X
fbem-4885	66	2	std	std	PROPN
fbem-4885	66	3	.	.	NOUN
fbem-4885	66	4	error	error	NOUN
fbem-4885	66	5	beta	beta	NOUN
fbem-4885	66	6	1(constant	1(constant	NUM
fbem-4885	66	7	)	)	PUNCT
fbem-4885	66	8	3.102	3.102	NUM
fbem-4885	66	9	.177	.177	NUM
fbem-4885	66	10	17.567	17.567	NUM
fbem-4885	66	11	.000	.000	NUM
fbem-4885	66	12	accumulated	accumulate	VERB
fbem-4885	66	13	amount	amount	NOUN
fbem-4885	66	14	incurred	incur	VERB
fbem-4885	66	15	by	by	ADP
fbem-4885	66	16	non	non	ADJ
fbem-4885	66	17	-	-	NOUN
fbem-4885	66	18	band	band	ADJ
fbem-4885	66	19	.17	.17	NUM
fbem-4885	66	20	.001	.001	NUM
fbem-4885	66	21	.996	.996	NUM
fbem-4885	66	22	19.883	19.883	NUM
fbem-4885	66	23	.000	.000	NUM
fbem-4885	66	24	payment	payment	NOUN
fbem-4885	66	25	institutions	institution	NOUN
fbem-4885	66	26	a.	a.	NOUN
fbem-4885	66	27	dependent	dependent	ADJ
fbem-4885	66	28	variable	variable	NOUN
fbem-4885	66	29	:	:	PUNCT
fbem-4885	66	30	number	number	NOUN
fbem-4885	66	31	of	of	ADP
fbem-4885	66	32	mobile	mobile	ADJ
fbem-4885	66	33	payment	payment	NOUN
fbem-4885	66	34	users	user	NOUN
fbem-4885	66	35	in	in	ADP
fbem-4885	66	36	china	china	PROPN
fbem-4885	66	37	a	a	DET
fbem-4885	66	38	sig	sig	NOUN
fbem-4885	66	39	value	value	NOUN
fbem-4885	66	40	of	of	ADP
fbem-4885	66	41	<	<	X
fbem-4885	66	42	0.05	0.05	NUM
fbem-4885	66	43	for	for	ADP
fbem-4885	66	44	the	the	DET
fbem-4885	66	45	cumulative	cumulative	ADJ
fbem-4885	66	46	incidence	incidence	NOUN
fbem-4885	66	47	of	of	ADP
fbem-4885	66	48	nonbank	nonbank	NOUN
fbem-4885	66	49	payment	payment	NOUN
fbem-4885	66	50	institutions	institution	NOUN
fbem-4885	66	51	proves	prove	VERB
fbem-4885	66	52	that	that	SCONJ
fbem-4885	66	53	the	the	DET
fbem-4885	66	54	equation	equation	NOUN
fbem-4885	66	55	is	be	AUX
fbem-4885	66	56	significant	significant	ADJ
fbem-4885	66	57	：	：	PUNCT
fbem-4885	66	58	y=-3.102	y=-3.102	NOUN
fbem-4885	66	59	+	+	NOUN
fbem-4885	66	60	0.017x	0.017x	VERB
fbem-4885	66	61	analysis	analysis	NOUN
fbem-4885	66	62	of	of	ADP
fbem-4885	66	63	the	the	DET
fbem-4885	66	64	residuals	residual	NOUN
fbem-4885	66	65	of	of	ADP
fbem-4885	66	66	the	the	DET
fbem-4885	66	67	equation	equation	NOUN
fbem-4885	66	68	table	table	NOUN
fbem-4885	66	69	3	3	NUM
fbem-4885	66	70	.	.	PUNCT
fbem-4885	66	71	residual	residual	ADJ
fbem-4885	66	72	analysis	analysis	NOUN
fbem-4885	66	73	of	of	ADP
fbem-4885	66	74	model	model	NOUN
fbem-4885	66	75	summaryb	summaryb	PROPN
fbem-4885	66	76	model	model	NOUN
fbem-4885	66	77	r	r	NOUN
fbem-4885	66	78	r	r	NOUN
fbem-4885	66	79	square	square	ADJ
fbem-4885	66	80	adjusted	adjust	VERB
fbem-4885	66	81	r	r	NOUN
fbem-4885	66	82	square	square	ADJ
fbem-4885	66	83	std	std	NOUN
fbem-4885	66	84	.	.	PUNCT
fbem-4885	67	1	error	error	NOUN
fbem-4885	67	2	of	of	ADP
fbem-4885	67	3	the	the	DET
fbem-4885	67	4	estimate	estimate	NOUN
fbem-4885	67	5	durbin	durbin	NOUN
fbem-4885	67	6	-	-	PUNCT
fbem-4885	67	7	watson	watson	PROPN
fbem-4885	67	8	1	1	NUM
fbem-4885	67	9	.996a	.996a	PUNCT
fbem-4885	67	10	.992	.992	NUM
fbem-4885	67	11	.990	.990	NUM
fbem-4885	68	1	.13187	.13187	NUM
fbem-4885	68	2	2.216	2.216	NUM
fbem-4885	68	3	a.	a.	NOUN
fbem-4885	68	4	predictors	predictor	NOUN
fbem-4885	68	5	:	:	PUNCT
fbem-4885	68	6	(	(	PUNCT
fbem-4885	68	7	constant	constant	ADJ
fbem-4885	68	8	)	)	PUNCT
fbem-4885	68	9	,	,	PUNCT
fbem-4885	68	10	accumulated	accumulate	VERB
fbem-4885	68	11	amount	amount	NOUN
fbem-4885	68	12	incurred	incur	VERB
fbem-4885	68	13	by	by	ADP
fbem-4885	68	14	non	non	ADJ
fbem-4885	68	15	-	-	ADJ
fbem-4885	68	16	bank	bank	ADJ
fbem-4885	68	17	payment	payment	NOUN
fbem-4885	68	18	b.	b.	PROPN
fbem-4885	68	19	dependent	dependent	ADJ
fbem-4885	68	20	variable	variable	NOUN
fbem-4885	68	21	:	:	PUNCT
fbem-4885	68	22	number	number	NOUN
fbem-4885	68	23	of	of	ADP
fbem-4885	68	24	mobile	mobile	ADJ
fbem-4885	68	25	payment	payment	NOUN
fbem-4885	68	26	users	user	NOUN
fbem-4885	68	27	in	in	ADP
fbem-4885	68	28	china	china	PROPN
fbem-4885	68	29	as	as	SCONJ
fbem-4885	68	30	shown	show	VERB
fbem-4885	68	31	in	in	ADP
fbem-4885	68	32	the	the	DET
fbem-4885	68	33	table	table	NOUN
fbem-4885	68	34	,	,	PUNCT
fbem-4885	68	35	the	the	DET
fbem-4885	68	36	data	datum	NOUN
fbem-4885	68	37	fit	fit	VERB
fbem-4885	68	38	the	the	DET
fbem-4885	68	39	one	one	NUM
fbem-4885	68	40	-	-	PUNCT
fbem-4885	68	41	way	way	NOUN
fbem-4885	68	42	regression	regression	NOUN
fbem-4885	68	43	equation	equation	NOUN
fbem-4885	68	44	.	.	PUNCT
fbem-4885	69	1	5	5	X
fbem-4885	69	2	.	.	X
fbem-4885	69	3	conclusion	conclusion	NOUN
fbem-4885	69	4	1	1	NUM
fbem-4885	69	5	.	.	PUNCT
fbem-4885	69	6	increase	increase	VERB
fbem-4885	69	7	publicity	publicity	NOUN
fbem-4885	69	8	efforts	effort	NOUN
fbem-4885	69	9	:	:	PUNCT
fbem-4885	69	10	implement	implement	VERB
fbem-4885	69	11	word	word	NOUN
fbem-4885	69	12	-	-	PUNCT
fbem-4885	69	13	of	of	ADP
fbem-4885	69	14	-	-	PUNCT
fbem-4885	69	15	mouth	mouth	NOUN
fbem-4885	69	16	marketing	marketing	NOUN
fbem-4885	69	17	strategies	strategy	NOUN
fbem-4885	69	18	to	to	PART
fbem-4885	69	19	encourage	encourage	VERB
fbem-4885	69	20	consumer	consumer	NOUN
fbem-4885	69	21	habits	habit	NOUN
fbem-4885	69	22	based	base	VERB
fbem-4885	69	23	on	on	ADP
fbem-4885	69	24	158	158	NUM
fbem-4885	69	25	the	the	DET
fbem-4885	69	26	features	feature	NOUN
fbem-4885	69	27	of	of	ADP
fbem-4885	69	28	dual	dual	ADJ
fbem-4885	69	29	offline	offline	ADJ
fbem-4885	69	30	payment	payment	NOUN
fbem-4885	69	31	and	and	CCONJ
fbem-4885	69	32	payment	payment	NOUN
fbem-4885	69	33	-	-	PUNCT
fbem-4885	69	34	assettlement	assettlement	NOUN
fbem-4885	69	35	,	,	PUNCT
fbem-4885	69	36	while	while	SCONJ
fbem-4885	69	37	using	use	VERB
fbem-4885	69	38	new	new	ADJ
fbem-4885	69	39	media	medium	NOUN
fbem-4885	69	40	platforms	platform	NOUN
fbem-4885	69	41	to	to	PART
fbem-4885	69	42	strengthen	strengthen	VERB
fbem-4885	69	43	publicity	publicity	NOUN
fbem-4885	69	44	push	push	NOUN
fbem-4885	69	45	and	and	CCONJ
fbem-4885	69	46	make	make	VERB
fbem-4885	69	47	full	full	ADJ
fbem-4885	69	48	use	use	NOUN
fbem-4885	69	49	of	of	ADP
fbem-4885	69	50	social	social	ADJ
fbem-4885	69	51	resources	resource	NOUN
fbem-4885	69	52	to	to	PART
fbem-4885	69	53	expand	expand	VERB
fbem-4885	69	54	publicity	publicity	NOUN
fbem-4885	69	55	.	.	PUNCT
fbem-4885	70	1	2	2	X
fbem-4885	70	2	.	.	X
fbem-4885	70	3	increase	increase	VERB
fbem-4885	70	4	the	the	DET
fbem-4885	70	5	acceptability	acceptability	NOUN
fbem-4885	70	6	of	of	ADP
fbem-4885	70	7	users	user	NOUN
fbem-4885	70	8	(	(	PUNCT
fbem-4885	70	9	1	1	X
fbem-4885	70	10	)	)	PUNCT
fbem-4885	70	11	the	the	DET
fbem-4885	70	12	consumption	consumption	NOUN
fbem-4885	70	13	habits	habit	NOUN
fbem-4885	70	14	of	of	ADP
fbem-4885	70	15	domestic	domestic	ADJ
fbem-4885	70	16	users	user	NOUN
fbem-4885	70	17	can	can	AUX
fbem-4885	70	18	not	not	PART
fbem-4885	70	19	be	be	AUX
fbem-4885	70	20	changed	change	VERB
fbem-4885	70	21	overnight	overnight	ADV
fbem-4885	70	22	.	.	PUNCT
fbem-4885	71	1	in	in	ADP
fbem-4885	71	2	the	the	DET
fbem-4885	71	3	process	process	NOUN
fbem-4885	71	4	of	of	ADP
fbem-4885	71	5	promoting	promote	VERB
fbem-4885	71	6	digital	digital	ADJ
fbem-4885	71	7	rmb	rmb	NOUN
fbem-4885	71	8	,	,	PUNCT
fbem-4885	71	9	attention	attention	NOUN
fbem-4885	71	10	should	should	AUX
fbem-4885	71	11	be	be	AUX
fbem-4885	71	12	paid	pay	VERB
fbem-4885	71	13	to	to	ADP
fbem-4885	71	14	cultivating	cultivate	VERB
fbem-4885	71	15	the	the	DET
fbem-4885	71	16	consumption	consumption	NOUN
fbem-4885	71	17	habits	habit	NOUN
fbem-4885	71	18	and	and	CCONJ
fbem-4885	71	19	consumption	consumption	NOUN
fbem-4885	71	20	concepts	concept	NOUN
fbem-4885	71	21	of	of	ADP
fbem-4885	71	22	the	the	DET
fbem-4885	71	23	general	general	ADJ
fbem-4885	71	24	public	public	NOUN
fbem-4885	71	25	.	.	PUNCT
fbem-4885	72	1	(	(	PUNCT
fbem-4885	72	2	2	2	X
fbem-4885	72	3	)	)	PUNCT
fbem-4885	72	4	select	select	VERB
fbem-4885	72	5	a	a	DET
fbem-4885	72	6	more	more	ADV
fbem-4885	72	7	receptive	receptive	ADJ
fbem-4885	72	8	target	target	NOUN
fbem-4885	72	9	group	group	NOUN
fbem-4885	72	10	different	different	ADJ
fbem-4885	72	11	groups	group	NOUN
fbem-4885	72	12	have	have	VERB
fbem-4885	72	13	different	different	ADJ
fbem-4885	72	14	levels	level	NOUN
fbem-4885	72	15	of	of	ADP
fbem-4885	72	16	acceptance	acceptance	NOUN
fbem-4885	72	17	for	for	ADP
fbem-4885	72	18	new	new	ADJ
fbem-4885	72	19	things	thing	NOUN
fbem-4885	72	20	,	,	PUNCT
fbem-4885	73	1	so	so	ADV
fbem-4885	73	2	young	young	ADJ
fbem-4885	73	3	people	people	NOUN
fbem-4885	73	4	who	who	PRON
fbem-4885	73	5	dare	dare	VERB
fbem-4885	73	6	to	to	PART
fbem-4885	73	7	accept	accept	VERB
fbem-4885	73	8	and	and	CCONJ
fbem-4885	73	9	try	try	VERB
fbem-4885	73	10	new	new	ADJ
fbem-4885	73	11	things	thing	NOUN
fbem-4885	73	12	should	should	AUX
fbem-4885	73	13	be	be	AUX
fbem-4885	73	14	selected	select	VERB
fbem-4885	73	15	as	as	ADP
fbem-4885	73	16	the	the	DET
fbem-4885	73	17	initial	initial	ADJ
fbem-4885	73	18	promotion	promotion	NOUN
fbem-4885	73	19	target	target	NOUN
fbem-4885	73	20	,	,	PUNCT
fbem-4885	73	21	with	with	ADP
fbem-4885	73	22	their	their	PRON
fbem-4885	73	23	common	common	ADJ
fbem-4885	73	24	business	business	NOUN
fbem-4885	73	25	,	,	PUNCT
fbem-4885	73	26	and	and	CCONJ
fbem-4885	73	27	then	then	ADV
fbem-4885	73	28	rapidly	rapidly	ADV
fbem-4885	73	29	expand	expand	VERB
fbem-4885	73	30	the	the	DET
fbem-4885	73	31	volume	volume	NOUN
fbem-4885	73	32	of	of	ADP
fbem-4885	73	33	digital	digital	ADJ
fbem-4885	73	34	rmb	rmb	NOUN
fbem-4885	73	35	usage	usage	NOUN
fbem-4885	73	36	with	with	ADP
fbem-4885	73	37	the	the	DET
fbem-4885	73	38	word	word	NOUN
fbem-4885	73	39	-	-	PUNCT
fbem-4885	73	40	of	of	ADP
fbem-4885	73	41	-	-	PUNCT
fbem-4885	73	42	mouth	mouth	NOUN
fbem-4885	73	43	effect	effect	NOUN
fbem-4885	73	44	.	.	PUNCT
fbem-4885	74	1	[	[	X
fbem-4885	74	2	5	5	NUM
fbem-4885	74	3	]	]	SYM
fbem-4885	74	4	3	3	NUM
fbem-4885	74	5	.	.	PUNCT
fbem-4885	74	6	expanding	expand	VERB
fbem-4885	74	7	the	the	DET
fbem-4885	74	8	scope	scope	NOUN
fbem-4885	74	9	of	of	ADP
fbem-4885	74	10	digital	digital	ADJ
fbem-4885	74	11	rmb	rmb	NOUN
fbem-4885	74	12	services	service	NOUN
fbem-4885	74	13	at	at	ADP
fbem-4885	74	14	present	present	ADJ
fbem-4885	74	15	,	,	PUNCT
fbem-4885	74	16	the	the	DET
fbem-4885	74	17	scope	scope	NOUN
fbem-4885	74	18	of	of	ADP
fbem-4885	74	19	services	service	NOUN
fbem-4885	74	20	covered	cover	VERB
fbem-4885	74	21	by	by	ADP
fbem-4885	74	22	digital	digital	ADJ
fbem-4885	74	23	rmb	rmb	NOUN
fbem-4885	74	24	in	in	ADP
fbem-4885	74	25	the	the	DET
fbem-4885	74	26	pilot	pilot	NOUN
fbem-4885	74	27	stage	stage	NOUN
fbem-4885	74	28	is	be	AUX
fbem-4885	74	29	still	still	ADV
fbem-4885	74	30	relatively	relatively	ADV
fbem-4885	74	31	narrow	narrow	ADJ
fbem-4885	74	32	and	and	CCONJ
fbem-4885	74	33	should	should	AUX
fbem-4885	74	34	be	be	AUX
fbem-4885	74	35	fully	fully	ADV
fbem-4885	74	36	expanded	expand	VERB
fbem-4885	74	37	in	in	ADP
fbem-4885	74	38	the	the	DET
fbem-4885	74	39	health	health	NOUN
fbem-4885	74	40	care	care	NOUN
fbem-4885	74	41	and	and	CCONJ
fbem-4885	74	42	retail	retail	ADJ
fbem-4885	74	43	industries	industry	NOUN
fbem-4885	74	44	.	.	PUNCT
fbem-4885	75	1	with	with	ADP
fbem-4885	75	2	the	the	DET
fbem-4885	75	3	convenience	convenience	NOUN
fbem-4885	75	4	of	of	ADP
fbem-4885	75	5	low	low	ADJ
fbem-4885	75	6	service	service	NOUN
fbem-4885	75	7	fees	fee	NOUN
fbem-4885	75	8	,	,	PUNCT
fbem-4885	75	9	the	the	DET
fbem-4885	75	10	company	company	NOUN
fbem-4885	75	11	will	will	AUX
fbem-4885	75	12	be	be	AUX
fbem-4885	75	13	able	able	ADJ
fbem-4885	75	14	to	to	PART
fbem-4885	75	15	attract	attract	VERB
fbem-4885	75	16	a	a	DET
fbem-4885	75	17	wider	wide	ADJ
fbem-4885	75	18	customer	customer	NOUN
fbem-4885	75	19	base	base	NOUN
fbem-4885	75	20	and	and	CCONJ
fbem-4885	75	21	actively	actively	ADV
fbem-4885	75	22	expand	expand	VERB
fbem-4885	75	23	the	the	DET
fbem-4885	75	24	devices	device	NOUN
fbem-4885	75	25	and	and	CCONJ
fbem-4885	75	26	methods	method	NOUN
fbem-4885	75	27	of	of	ADP
fbem-4885	75	28	payment	payment	NOUN
fbem-4885	75	29	used	use	VERB
fbem-4885	75	30	.	.	PUNCT
fbem-4885	76	1	references	reference	NOUN
fbem-4885	76	2	[	[	X
fbem-4885	76	3	1	1	NUM
fbem-4885	76	4	]	]	X
fbem-4885	76	5	huang	huang	PROPN
fbem-4885	76	6	,	,	PUNCT
fbem-4885	76	7	g.	g.	PROPN
fbem-4885	76	8	(	(	PUNCT
fbem-4885	76	9	2022	2022	NUM
fbem-4885	76	10	)	)	PUNCT
fbem-4885	76	11	motivations	motivation	NOUN
fbem-4885	76	12	,	,	PUNCT
fbem-4885	76	13	opportunities	opportunity	NOUN
fbem-4885	76	14	and	and	CCONJ
fbem-4885	76	15	challenges	challenge	NOUN
fbem-4885	76	16	of	of	ADP
fbem-4885	76	17	digital	digital	ADJ
fbem-4885	76	18	rmb	rmb	PROPN
fbem-4885	76	19	development	development	PROPN
fbem-4885	76	20	journal	journal	PROPN
fbem-4885	76	21	of	of	ADP
fbem-4885	76	22	xinjiang	xinjiang	PROPN
fbem-4885	76	23	normal	normal	ADJ
fbem-4885	76	24	university(philosophy	university(philosophy	PROPN
fbem-4885	76	25	and	and	CCONJ
fbem-4885	76	26	social	social	ADJ
fbem-4885	76	27	sciences	science	NOUN
fbem-4885	76	28	)	)	PUNCT
fbem-4885	76	29	.	.	PUNCT
fbem-4885	77	1	43:32	43:32	NUM
fbem-4885	77	2	-	-	SYM
fbem-4885	77	3	134	134	NUM
fbem-4885	77	4	.	.	PUNCT
fbem-4885	78	1	[	[	X
fbem-4885	78	2	2	2	NUM
fbem-4885	78	3	]	]	SYM
fbem-4885	78	4	tao	tao	PROPN
fbem-4885	78	5	,	,	PUNCT
fbem-4885	78	6	l.	l.	PROPN
fbem-4885	78	7	(	(	PUNCT
fbem-4885	78	8	2022	2022	NUM
fbem-4885	78	9	)	)	PUNCT
fbem-4885	78	10	opportunities	opportunity	NOUN
fbem-4885	78	11	,	,	PUNCT
fbem-4885	78	12	challenges	challenge	NOUN
fbem-4885	78	13	and	and	CCONJ
fbem-4885	78	14	policy	policy	NOUN
fbem-4885	78	15	recommendations	recommendation	NOUN
fbem-4885	78	16	for	for	ADP
fbem-4885	78	17	the	the	DET
fbem-4885	78	18	development	development	NOUN
fbem-4885	78	19	of	of	ADP
fbem-4885	78	20	digital	digital	ADJ
fbem-4885	78	21	rmb	rmb	PROPN
fbem-4885	78	22	.	.	PUNCT
fbem-4885	79	1	enterprise	enterprise	NOUN
fbem-4885	79	2	economy	economy	NOUN
fbem-4885	79	3	,	,	PUNCT
fbem-4885	79	4	2:9	2:9	NUM
fbem-4885	79	5	-	-	SYM
fbem-4885	79	6	11	11	NUM
fbem-4885	79	7	.	.	PUNCT
fbem-4885	80	1	[	[	X
fbem-4885	80	2	3	3	NUM
fbem-4885	80	3	]	]	X
fbem-4885	80	4	ba	ba	PROPN
fbem-4885	80	5	,	,	PUNCT
fbem-4885	80	6	s.	s.	PROPN
fbem-4885	80	7	,	,	PUNCT
fbem-4885	80	8	yao	yao	PROPN
fbem-4885	80	9	,	,	PUNCT
fbem-4885	80	10	s.	s.	PROPN
fbem-4885	80	11	(	(	PUNCT
fbem-4885	80	12	2021	2021	NUM
fbem-4885	80	13	)	)	PUNCT
fbem-4885	80	14	the	the	DET
fbem-4885	80	15	impact	impact	NOUN
fbem-4885	80	16	of	of	ADP
fbem-4885	80	17	the	the	DET
fbem-4885	80	18	central	central	ADJ
fbem-4885	80	19	bank	bank	PROPN
fbem-4885	80	20	digital	digital	ADJ
fbem-4885	80	21	currency	currency	NOUN
fbem-4885	80	22	system	system	NOUN
fbem-4885	80	23	on	on	ADP
fbem-4885	80	24	the	the	DET
fbem-4885	80	25	financial	financial	ADJ
fbem-4885	80	26	system	system	NOUN
fbem-4885	80	27	.	.	PUNCT
fbem-4885	81	1	financial	financial	ADJ
fbem-4885	81	2	forum	forum	PROPN
fbem-4885	81	3	,	,	PUNCT
fbem-4885	81	4	4:79	4:79	NUM
fbem-4885	81	5	.	.	PUNCT
fbem-4885	82	1	[	[	X
fbem-4885	82	2	4	4	NUM
fbem-4885	82	3	]	]	X
fbem-4885	82	4	huang	huang	PROPN
fbem-4885	82	5	,	,	PUNCT
fbem-4885	82	6	m.	m.	NOUN
fbem-4885	82	7	(	(	PUNCT
fbem-4885	82	8	2021	2021	NUM
fbem-4885	82	9	)	)	PUNCT
fbem-4885	82	10	market	market	NOUN
fbem-4885	82	11	development	development	NOUN
fbem-4885	82	12	and	and	CCONJ
fbem-4885	82	13	operation	operation	NOUN
fbem-4885	82	14	mechanism	mechanism	NOUN
fbem-4885	82	15	of	of	ADP
fbem-4885	82	16	digital	digital	ADJ
fbem-4885	82	17	rmb	rmb	NOUN
fbem-4885	82	18	.	.	PUNCT
fbem-4885	83	1	people	people	NOUN
fbem-4885	83	2	's	's	PART
fbem-4885	83	3	forum	forum	NOUN
fbem-4885	83	4	,	,	PUNCT
fbem-4885	83	5	7:79	7:79	NUM
fbem-4885	83	6	-	-	SYM
fbem-4885	83	7	80	80	NUM
fbem-4885	83	8	.	.	PUNCT
fbem-4885	84	1	[	[	X
fbem-4885	84	2	5	5	NUM
fbem-4885	84	3	]	]	X
fbem-4885	84	4	zhou	zhou	X
fbem-4885	84	5	,	,	PUNCT
fbem-4885	84	6	x.	x.	NOUN
fbem-4885	84	7	(	(	PUNCT
fbem-4885	84	8	2016	2016	NUM
fbem-4885	84	9	)	)	PUNCT
fbem-4885	84	10	research	research	NOUN
fbem-4885	84	11	on	on	ADP
fbem-4885	84	12	consumer	consumer	NOUN
fbem-4885	84	13	's	's	PART
fbem-4885	84	14	adoption	adoption	NOUN
fbem-4885	84	15	and	and	CCONJ
fbem-4885	84	16	continuance	continuance	NOUN
fbem-4885	84	17	usage	usage	NOUN
fbem-4885	84	18	of	of	ADP
fbem-4885	84	19	third	third	ADJ
fbem-4885	84	20	party	party	NOUN
fbem-4885	84	21	mobile	mobile	ADJ
fbem-4885	84	22	payment	payment	NOUN
fbem-4885	84	23	a	a	DET
fbem-4885	84	24	comparison	comparison	NOUN
fbem-4885	84	25	between	between	ADP
fbem-4885	84	26	alipay	alipay	PROPN
fbem-4885	84	27	and	and	CCONJ
fbem-4885	84	28	wechat	wechat	NOUN
fbem-4885	84	29	payment	payment	NOUN
fbem-4885	84	30	.	.	PUNCT
fbem-4885	85	1	beijing	beijing	PROPN
fbem-4885	85	2	foreign	foreign	PROPN
fbem-4885	85	3	studies	studies	PROPN
fbem-4885	85	4	university	university	NOUN
fbem-4885	85	5	,	,	PUNCT
fbem-4885	85	6	52	52	NUM
fbem-4885	85	7	-	-	SYM
fbem-4885	85	8	57	57	NUM
fbem-4885	85	9	.	.	PUNCT