Difficult words by Spache (2022)

introduction, background, banking, regulated, industries, growth, various, type, regulations, commenced, global, financial, crisis, enhance, monetary, systems, stability, reduce, future, negative, impacts, steadily, evolved, beginning, imposing, post, liquidity, standards, capital, adequacy, solvency, demanding, higher, capitalization, requirements, demands, environment, decreased, creating, existing, gross, globally, ca, per, moreover, previously, local, expanded, cross, border, obligations, abiding, option, due, accompanying, possibility, lose, trust, clients, partners, licence, hence, immensely, rising, appetite, regulators, understandable, approach, directly, correlated, growing, burden, analyses, assessments, reports, created, internally, externally, gathered, data, imposed, stringent, mitigate, adaptation, current, criminal, activities, effectively, credit, institutions, cannot, neglect, reporting, duties, obliged, accompanied, compliance, costs, related, specific, product, service, therefore, recuperated, legal, consultation, expenses, loan, agreement, create, direct, profit, expenditures, expand, specialization, involves, base, regulatory, requires, barely, knowing, following, international, laws, executing, enhanced, interactions, applicable, authorities, additional, frequent, verification, process, driven, communications, performed, sustainable, advanced, according, gartners, research, forecast, estimated, billion, formerly, pure, prudency, gradually, grown, administrative, crime, spotting, necessitating, daily, monitoring, screening, customers, counterparty, pertinent, embracing, conform, mandatory, employ, specialists, officers, ensured, enterprise, followed, relevant, necessary, directives, guidelines, duly, manner, express, immensity, medium, europe, input, comply, norm, prudential, reform, introduced, set, minimum, obligatory, basel, employment, similar, federal, analytic, united, states, risen, double, comparing, responsibility, execution, jurisdictions, personal, personally, liable, enormous, institutional, responsible, fails, perform, afore, mentioned, core, focus, whom, changed, observe, anti, laundering, counter, terrorist, financing, prevention, tedious, consuming, owners, proof, funds, business, somewhat, account, simplified, unified, diversity, capabilities, across, regions, led, shown, thomson, reuters, survey, corporate, drastic, experience, involved, paperwork, diligence, burdensome, noticeable, rise, average, million, annually, peaks, yearly, regular, technology, development, labour, addition, accountability, defaults, complying, apply, instance, deutsche, insufficiently, total, issued, kingdom, conduct, york, department, mckinsey, analysed, operation, income, universal, consequently, vital, avoidance, prevent, possible, forfeiture, considering, aforementioned, foresee, escalations, encounter, costly, sophisticated, built, attachments, based, serve, complicate, challenging, ecosystem, cloud, storage, distributed, ledger, concisely, overgrowth, regulative, collecting, verifying, analysing, assessing, particular, distressing, cumulating, operational, required, investments, maintenance, ii, lower, satisfaction, extensive, expensive, iii, risk, non, actual, goal, gatekeeper, tasks, stopping, tax, evaders, statement, challenges, divided, major, areas, share, purpose, involve, protection, assets, consumer, resolution, secondly, standardization, incorporate, governance, consolidation, measuring, statistics, thirdly, accurate, continuous, formulates, within, domain, functions, correct, forms, statistical, specifies, numeric, values, includes, supervisory, collaterals, debts, deposits, information, provide, timely, proper, findings, police, etc, judge, engaged, illegal, suspicious, sub, category, blockchain, incorporated, potentially, efficient, gamechanger, defeat, obstacles, attesting, consortiums, closely, investing, heavily, understanding, dealing, payments, treasury, securities, confirmations, essence, itself, rather, improve, processes, context, question, thesis, explore, subcategories, innovate, sector, securely, overcome, external, grounded, unison, achieve, ultimate, aim, avoiding, being, used, collect, taxes, progress, honest, economy, structure, chapters, conceptually, outlined, explanation, terms, definitions, including, describes, dependencies, concerning, crucial, analyse, articles, ongoing, projects, available, issues, describing, scientists, solve, encountered, solution, alterations, procedures, aid, advance, involvement, quality, surveillance, fifth, outlines, discussion, founded, opportunities, limitations, further, paragraph, introduce, accomplish, intact, concept, measures, manage, asia, pacific, mostly, combating, beneficial, action, force, committee, experts, evaluation, terrorism, moneyval, endorse, technical, prompt, pilar, foreign, taxable, withhold, transfer, citizens, taxation, member, organisation, economic, co, stipulated, common, supervision, basis, insurance, advice, integrity, derivatives, integration, stress, testing, planning, avoid, vast, damages, insolvency, transformation, management, strengthening, controls, outsourcing, basic, structural, numerous, scope, priority, targets, interacted, fighting, catching, corruption, fraud, evasion, schemes, protecting, evolvement, structured, controlled, stemming, central, called, ensure, identifying, implementing, audit, delegate, globalization, allowed, crossborder, speed, automated, heightened, latter, partly, overall, behaviour, themselves, resources, receiving, originated, sanctions, strongly, recommended, implement, model, defences, alignment, operating, internal, leverage, independent, validation, requiring, previous, essential, remained, accomplishing, using, lawful, conformity, managing, endangering, properly, assessed, mitigated, onboarding, executed, identify, inevitable, relations, interest, ownership, assess, suitability, fraudulent, opening, original, documents, notarized, apostilled, translated, digitally, verified, copies, presented, chosen, authentications, representative, identification, official, necessity, known, meetings, questionnaires, answered, potential, compulsory, interview, check, filled, verify, content, registries, applicant, profoundly, inserted, firstly, associated, centage, geographical, political, factors, score, decision, declination, averagely, nearly, onboard, longer, contacts, twice, respectively, overwhelming, declined, reasoning, successful, frequency, dependent, screen, transactions, accept, restricted, monitor, estimations, stated, regularly, contacted, investigation, ambiguities, possession, kycs, residency, updating, listed, renewal, initiates, prior, validity, spotted, deviations, visible, pattern, promptly, notify, completed, refilled, exchanged, origin, precisely, continuously, changing, unceasing, signing, checking, collected, inserting, databases, entering, contracts, assure, currently, rely, hoping, buffer, offenders, correspondingly, insufficient, enforcement, networks, fincen, intelligence, units, hereinafter, government, agency, separate, received, affected, investigates, attempts, especially, scale, scams, swift, successfully, trace, freeze, ensuring, accuracy, ad, hoc, depth, policies, deals, bearing, secrecy, gather, reveal, existence, enquiry, controlling, trustful, protective, impartial, intermediaries, notaries, sworn, translators, attorneys, compatible, majority, sharing, oftentimes, duplicated, reasons, swifter, response, inquiries, fius, features, fintech, refers, novel, fastevolving, recording, multiple, permits, recoding, binary, alphabetic, characters, computer, files, shared, participants, database, access, added, functionality, layers, adaptable, flexible, program, determined, chains, instructions, consensus, acceptance, addressed, permissioned, single, insertion, partakers, contrary, public, identified, protocol, private, decentralized, necessitates, centralized, developers, joined, approval, extra, benefits, efficiency, users, improvement, swiftness, exchanging, enable, digital, identity, cryptography, broader, investigated, eminent, cryptocurrency, named, bitcoin, comprises, peer, links, version, enabling, trade, digitized, currency, internet, permissionless, allowing, pseudo, anonymously, participate, equal, integral, pricier, energy, consumption, mechanism, stake, byzantine, difference, fingerprinted, hash, authenticated, cryptographic, signature, via, consent, conforming, trusted, stored, assuming, honesty, power, reverse, newer, invented, performance, slowness, expensiveness, inefficiency, scalability, flexibility, vertical, directed, acyclic, graph, elik, tangle, source, nature, quicker, patented, swirlds, platform, method, hashgraph, dispersing, haphazardly, selected, gossip, virtual, voting, regulate, missing, governing, implementation, privacy, taken, telecommunication, union, interoperability, australia, roadmap, agreed, criteria, determining, distinct, solving, combat, broad, secure, immutable, traceable, scalable, stable, trustworthy, whether, view, projected, infrastructure, saving, annum, wyman, ethereum, litecoin, hyperledger, linux, collaboration, developed, proficiencies, offering, fabric, ripple, sawtooth, intel, corda, presently, announce, incorporating, attaining, discussed, effected, pinpoint, exactly, drawn, licensed, aiming, adults, measurement, inclusion, measured, equalling, percent, mobile, capitalisation, regarding, smaller, gatherings, finance, corporation, statutory, nevertheless, differentiations, outcomes, substantiation, allow, descriptions, intergovernmental, body, develops, promotes, proliferation, weapons, mass, destruction, recommendations, processing, aimed, office, division, entity, owned, acting, behalf, targeted, specially, designated, nationals, updated, watchlists, accordingly, nations, australian, obligated, screened, doing, prohibited, sdns, frozen, unattainable, transferred, notified, claims, release, politically, exposed, relatives, debarred, wanted, evaluated, valid, matches, birth, date, nationality, reject, aware, unusual, behavioural, typology, escalate, normal, estimates, classifies, performing, scenarios, supervised, precise, depending, analysis, versus, positioned, america, clientele, bos, located, handled, governmental, revenue, limited, indications, receive, filed, fourthly, thresholds, withholding, unravel, obliging, residents, intended, finally, preceding, tools, levels, preserve, lawfulness, society, communicate, electronic, postal, till, termination, relationship, typical, workflow, oracle, below, rating, primes, applicably, adjusted, accordance, request, provided, checked, embargoes, sanctioned, entrusted, influence, associates, forbidden, stopped, swiftly, reported, peps, position, engaging, decisive, automatically, class, increase, scrutinised, inherited, refusals, rejection, suitable, entirety, detail, roughly, collectors, controllers, evaluate, controversies, attachable, presentations, combined, results, valued, scoring, inherent, hazards, deriving, having, effective, offered, channelled, associating, linked, deliver, operative, mitigation, relational, acceptable, publicly, exchange, younger, clear, vaguer, transparent, revalued, repeated, conditional, notification, anomalies, occur, respective, disposal, licenced, providing, balance, sheet, annual, capacity, rate, uncertain, engage, study, knowledge, map, abnormalities, thereof, uncommon, indicate, clarifications, legality, refuses, application, signed, displays, ranging, alter, throughout, considered, reflected, toolssystems, discovering, seize, guarantee, blocked, evidence, volume, bulk, suspect, involving, modelling, algorithms, techniques, alerts, validated, trail, sars, fsas, supervise, cooperate, highly, informed, suspected, upcoming, developing, gained, gut, feeling, puzzle, depict, workload, correctly, register, oneself, indicia, complicated, assured, residence, address, derived, phone, evaluating, reportability, intricate, self, certification, dividends, difficult, hefty, exempted, clarify, given, proceeds, separately, easiest, review, founders, invention, keeping, limit, revealed, started, exploiting, settlement, test, phases, complex, formed, batavia, concluded, planned, encoded, ease, noticeably, laborious, february, search, japan, european, stella, ubin, singapore, association, needto, dutch, advise, commission, opened, usability, recipients, establishing, sandboxes, initiative, virtuous, practise, innovative, unserved, regtech, assist, difficulties, less, costeffective, likely, validators, instant, commodities, loyalty, integrated, cleared, gateway, admittance, accessible, confirms, compliant, code, stellar, construction, federated, handling, quorum, slices, slots, participating, nodes, diminish, asserting, faced, ill, behaved, spent, proving, amount, confidentiality, managed, biometrics, descripted, fundamentally, declared, setup, wallet, storing, health, hedera, opt, escrowed, approved, specifically, intends, unification, travellers, canada, forum, accenture, prototype, travelers, hybrid, utilizing, zero, lewiss, selfsovereign, individual, sharer, however, passport, issuing, liberal, indicated, permission, analyzes, exploit, appearing, pointers, sensitive, prove, secured, retention, impediment, foundation, working, microsoft, zeroknowledge, positive, proved, solidly, protected, scientific, adviser, assurance, combining, onto, updates, records, tactics, relieve, excessive, exist, cooperation, municipal, beyond, redesigning, india, bankchain, redesign, decided, damaging, reduction, losing, korean, hana, enhancing, earlier, leading, respectable, elaborate, generations, inefficient, legacy, similarly, acted, worldwide, interbank, messaging, starting, building, nor, initiated, objective, supported, ids, globalisation, permitting, digitalisation, lack, hearn, utilising, coordination, semi, admission, authorised, solved, mismatches, regional, legislative, timestamp, organised, flow, preselecting, framework, trackers, saved, vault, opposite, shifted, preschedule, smooth, cordapps, entail, encrypted, triggers, occurrence, history, software, guard, extensions, decryption, holder, aiding, interact, pre, extent, achieved, patel, described, utility, correspondent, thus, inclusive, originates, mediates, willingness, beforehand, compare, beneficiarys, soundness, relating, reputable, trustworthiness, pointed, staples, et, al, researched, moyano, ross, studied, maintained, clearing, guaranteed, proportionately, conducted, documentation, rejected, attainable, establishes, provider, produces, authors, suggest, unique, insures, interested, compensated, proportional, price, conducting, encourage, competitors, elevate, competition, sense, minting, compensation, decentralize, corrupt, weakness, consider, methodology, relying, mentioning, chaos, rbas, blind, anonymous, differ, restriction, optimization, mills, administration, yang, diminishing, errors, smallest, execute, hiding, rivest, shamir, tauman, sender, importance, shareable, untrusted, examined, ventures, unapproachable, buterin, interoperation, strategy, parallel, arisen, amid, relays, effortlessly, undistinguishable, yli, huumo, range, usage, raised, concerns, unsolved, stolen, vulnerability, obtained, overrun, suite, partially, aspects, pisa, juden, searched, advantages, generate, valuable, topic, main, safeguarding, minimizing, illicit, example, supervisors, dominant, subpoena, overlook, detect, trends, estonia, preserving, bigger, lewis, blog, sovereign, attestation, chip, elaborated, assertations, approve, gender, citizenship, marriage, status, employer, accepted, traceability, attributes, useful, alliance, digitalized, houman, haddad, architect, syrian, refugees, restoration, iris, scan, confirming, upholding, approving, participation, reliability, uploads, false, definitely, validate, righteousness, overlapping, identifiers, endorsed, ministerial, stabilize, trading, digit, primary, embedded, certificates, issuance, forming, peters, instrument, transparency, compatibility, achievable, amending, amend, suggested, predefined, readable, format, finextra, covered, moneylaundering, instantly, connected, stage, revert, viewing, analyzing, broaden, matching, raising, woodsome, ramachandran, referring, structuring, retains, entire, modifications, stamped, learning, encouraged, reminded, likelihood, shifting, enlarges, stringier, forward, stark, swap, corapp, conclusion, actually, confidence, unless, conditions, regretfully, rectifications, expired, discuss, immutability, complications, amendments, incorrect, vranken, bacon, assigned, kosba, increasing, hawk, contains, portions, contractual, overlooked, marginally, manager, computing, hardware, stock, fairness, cheats, leveraging, unfairness, active, taxi, uber, denmark, warnez, proposal, danish, crown, equivalent, tokens, swapped, prefers, govern, wrongly, inputted, easily, locally, lacking, stakeholders, timestamped, mainstay, selecting, supporting, mutually, utmost, larger, role, re, designed, abilities, super, granting, license, automatic, countable, retrieval, sustained, appointed, chronological, timestamping, support, whichever, centralised, estate, broadened, redesigned, noncorrupt, interference, possibly, shady, tendency, dishonesty, avoided, micro, verifier, typically, agreeing, constrained, outlaid, appearance, governed, reticent, legally, stowed, seeable, triggered, selling, triggering, event, entered, accesses, subsequently, issuers, contracting, unresolved, minors, proxy, sated, agenda, analyzed, courts, comparable, obtainable, enterers, possess, reading, inform, requesting, period, informing, reliable, publishing, identical, proposed, timesaving, legalize, victimizing, advantageous, frequently, oblige, riskier, geographic, jurisdictional, terminated, commercial, implemented, deliberately, guessed, laundered, prosecuted, seized, ambiguous, delinquencies, avert, illegitimate, enacts, broadening, regionally, emptive, countermeasures, accomplished, commonly, acknowledged, medical, prescription, delivery, restraint, ideally, colleague, usually, localize, imposes, submits, indicating, payable, incoming, suggestions, taking, receivable, obtains, weighs, appetize, despite, restrictive, proven, although, slowing, detecting, giving, accessed, demanded, highest, reachable, weakest, respected, asses, delete, insert, taint, manipulate, legalise, overruling, misuse, leakage, easier, shift, specialised, integrating, net, incentives, variables, advisor, accountant, dropped, reportable, holdable, concludes, info, transferring, discrepancies, triple, pass, channels, effectual, regardless, renewed, automates, presenting, closer, restructure, likewise, pinpointing, collective, punitive, charges, followers, depends, limiting, fabrications, abuse, unlike, genuine, masking, adapt, altered, utilised, comprehensive, approachable, collection, lesser, abeles, adjusting, modern, pension, social, payouts, suffocate, heavens, taxpayers, falling, loopholes, holdings, utilize, businesses, living, root, comfort, vastly, informational, investigating, availability, helping, simply, credentials, servicing, residue, regulating, apparently, diverse, relieving, organising, safer, whatever, fairly, particularly, rare, tainted, nonetheless, standardisation, prodigious, minimise, strengths, alterable, fingerprinting, attaching, efficiently, resilience, malicious, durable, emerge, relive, generating, automation, distinguishes, prosecution, utilise, founding, maintaining, willing, incorporation, privately, joining, psps, permitted, reserved, eliminate, dated, filing, paying, transferral, unnecessary, obey, concentrate, dont, automatization, preventing, afford, tolerance, depicted, reaching, filtered, deciding, movement, partake, overview, oddities, situation, filter, postact, choice, diminished, effectuate, closing, predicting, define, consolidate, harmonise, resourcing, quantity, stem, fears, slant, replacing, incidents, enactments, funding, presumably, exploited, accumulated, rotational, auditors, consideration, punishment, fees, prospectively, uneven, prosecuting, miss, freezing, obvious, raw, technological, validating, readability, tailor, resistance, probable, prevented, utilisation, arising, detection, securer, forthcoming, mapping, pictured, experienced, emerging, explored, idealistic, trustworthily, evaluative, contented, significant, diminishment, consummation, multiplications, passive, studying