id	sid	tid	token	lemma	pos
amfbr-218	1	1	american	american	PROPN
amfbr-218	1	2	finance	finance	PROPN
amfbr-218	1	3	&	&	CCONJ
amfbr-218	1	4	banking	banking	PROPN
amfbr-218	1	5	review	review	PROPN
amfbr-218	1	6	;	;	PUNCT
amfbr-218	1	7	vol	vol	NOUN
amfbr-218	1	8	.	.	PROPN
amfbr-218	2	1	3	3	NUM
amfbr-218	2	2	,	,	PUNCT
amfbr-218	2	3	no	no	INTJ
amfbr-218	2	4	.	.	NOUN
amfbr-218	2	5	1	1	NUM
amfbr-218	2	6	;	;	PUNCT
amfbr-218	2	7	2018	2018	NUM
amfbr-218	2	8	issn	issn	VERB
amfbr-218	2	9	2576	2576	NUM
amfbr-218	2	10	-	-	SYM
amfbr-218	2	11	1226	1226	NUM
amfbr-218	2	12	e	e	NOUN
amfbr-218	2	13	-	-	NOUN
amfbr-218	2	14	issn	issn	VERB
amfbr-218	2	15	2576	2576	NUM
amfbr-218	2	16	-	-	SYM
amfbr-218	2	17	1234	1234	NUM
amfbr-218	2	18	impact	impact	NOUN
amfbr-218	2	19	factor	factor	NOUN
amfbr-218	2	20	:	:	PUNCT
amfbr-218	2	21	4.1	4.1	NUM
amfbr-218	2	22	published	publish	VERB
amfbr-218	2	23	by	by	ADP
amfbr-218	2	24	centre	centre	NOUN
amfbr-218	2	25	for	for	ADP
amfbr-218	2	26	research	research	NOUN
amfbr-218	2	27	on	on	ADP
amfbr-218	2	28	islamic	islamic	ADJ
amfbr-218	2	29	banking	banking	PROPN
amfbr-218	2	30	&	&	CCONJ
amfbr-218	2	31	finance	finance	PROPN
amfbr-218	2	32	and	and	CCONJ
amfbr-218	2	33	business	business	NOUN
amfbr-218	2	34	35	35	NUM
amfbr-218	2	35	factors	factor	NOUN
amfbr-218	2	36	that	that	PRON
amfbr-218	2	37	influence	influence	VERB
amfbr-218	2	38	the	the	DET
amfbr-218	2	39	adoptions	adoption	NOUN
amfbr-218	2	40	of	of	ADP
amfbr-218	2	41	internet	internet	NOUN
amfbr-218	2	42	banking	banking	NOUN
amfbr-218	2	43	among	among	ADP
amfbr-218	2	44	customers	customer	NOUN
amfbr-218	2	45	muhammad	muhammad	VERB
amfbr-218	2	46	azimulhakim	azimulhakim	PROPN
amfbr-218	2	47	bin	bin	PROPN
amfbr-218	2	48	haji	haji	PROPN
amfbr-218	2	49	saman	saman	PROPN
amfbr-218	2	50	master	master	PROPN
amfbr-218	2	51	student	student	NOUN
amfbr-218	2	52	faculty	faculty	NOUN
amfbr-218	2	53	of	of	ADP
amfbr-218	2	54	islamic	islamic	ADJ
amfbr-218	2	55	economics	economic	NOUN
amfbr-218	2	56	and	and	CCONJ
amfbr-218	2	57	finance	finance	PROPN
amfbr-218	2	58	islamic	islamic	PROPN
amfbr-218	2	59	university	university	PROPN
amfbr-218	2	60	of	of	ADP
amfbr-218	2	61	sultan	sultan	PROPN
amfbr-218	3	1	sharif	sharif	PROPN
amfbr-218	3	2	ali	ali	PROPN
amfbr-218	3	3	negara	negara	PROPN
amfbr-218	3	4	brunei	brunei	PROPN
amfbr-218	3	5	darussalam	darussalam	PROPN
amfbr-218	3	6	email	email	PROPN
amfbr-218	3	7	:	:	PUNCT
amfbr-218	3	8	azimul2093@gmail.com	azimul2093@gmail.com	X
amfbr-218	3	9	received	receive	VERB
amfbr-218	3	10	:	:	PUNCT
amfbr-218	3	11	december	december	PROPN
amfbr-218	3	12	5	5	NUM
amfbr-218	3	13	,	,	PUNCT
amfbr-218	3	14	2018	2018	NUM
amfbr-218	3	15	accepted	accept	VERB
amfbr-218	3	16	:	:	PUNCT
amfbr-218	3	17	december	december	PROPN
amfbr-218	3	18	11	11	NUM
amfbr-218	3	19	,	,	PUNCT
amfbr-218	3	20	2018	2018	NUM
amfbr-218	3	21	online	online	ADV
amfbr-218	3	22	published	publish	VERB
amfbr-218	3	23	:	:	PUNCT
amfbr-218	3	24	december	december	PROPN
amfbr-218	3	25	18	18	NUM
amfbr-218	3	26	,	,	PUNCT
amfbr-218	3	27	2018	2018	NUM
amfbr-218	3	28	abstract	abstract	ADJ
amfbr-218	3	29	internet	internet	NOUN
amfbr-218	3	30	banking	banking	NOUN
amfbr-218	3	31	is	be	AUX
amfbr-218	3	32	the	the	DET
amfbr-218	3	33	latest	late	ADJ
amfbr-218	3	34	technology	technology	NOUN
amfbr-218	3	35	that	that	PRON
amfbr-218	3	36	has	have	AUX
amfbr-218	3	37	revolutionized	revolutionize	VERB
amfbr-218	3	38	the	the	DET
amfbr-218	3	39	changes	change	NOUN
amfbr-218	3	40	of	of	ADP
amfbr-218	3	41	banking	banking	NOUN
amfbr-218	3	42	and	and	CCONJ
amfbr-218	3	43	business	business	NOUN
amfbr-218	3	44	systems	system	NOUN
amfbr-218	3	45	around	around	ADP
amfbr-218	3	46	the	the	DET
amfbr-218	3	47	world	world	NOUN
amfbr-218	3	48	.	.	PUNCT
amfbr-218	4	1	however	however	ADV
amfbr-218	4	2	,	,	PUNCT
amfbr-218	4	3	arrival	arrival	NOUN
amfbr-218	4	4	of	of	ADP
amfbr-218	4	5	technology	technology	NOUN
amfbr-218	4	6	has	have	VERB
amfbr-218	4	7	an	an	DET
amfbr-218	4	8	impact	impact	NOUN
amfbr-218	4	9	on	on	ADP
amfbr-218	4	10	internet	internet	NOUN
amfbr-218	4	11	banking	banking	NOUN
amfbr-218	4	12	and	and	CCONJ
amfbr-218	4	13	transforms	transform	VERB
amfbr-218	4	14	from	from	ADP
amfbr-218	4	15	a	a	DET
amfbr-218	4	16	traditional	traditional	ADJ
amfbr-218	4	17	banking	banking	NOUN
amfbr-218	4	18	system	system	NOUN
amfbr-218	4	19	to	to	ADP
amfbr-218	4	20	a	a	DET
amfbr-218	4	21	very	very	ADV
amfbr-218	4	22	useful	useful	ADJ
amfbr-218	4	23	innovation	innovation	NOUN
amfbr-218	4	24	technology	technology	NOUN
amfbr-218	4	25	.	.	PUNCT
amfbr-218	5	1	the	the	DET
amfbr-218	5	2	purpose	purpose	NOUN
amfbr-218	5	3	of	of	ADP
amfbr-218	5	4	this	this	DET
amfbr-218	5	5	study	study	NOUN
amfbr-218	5	6	is	be	AUX
amfbr-218	5	7	to	to	PART
amfbr-218	5	8	analyze	analyze	VERB
amfbr-218	5	9	factors	factor	NOUN
amfbr-218	5	10	that	that	PRON
amfbr-218	5	11	have	have	AUX
amfbr-218	5	12	influenced	influence	VERB
amfbr-218	5	13	users	user	NOUN
amfbr-218	5	14	to	to	PART
amfbr-218	5	15	use	use	VERB
amfbr-218	5	16	internet	internet	NOUN
amfbr-218	5	17	banking	banking	NOUN
amfbr-218	5	18	in	in	ADP
amfbr-218	5	19	doing	do	VERB
amfbr-218	5	20	financial	financial	ADJ
amfbr-218	5	21	transaction	transaction	NOUN
amfbr-218	5	22	.	.	PUNCT
amfbr-218	6	1	this	this	DET
amfbr-218	6	2	study	study	NOUN
amfbr-218	6	3	uses	use	VERB
amfbr-218	6	4	content	content	NOUN
amfbr-218	6	5	analysis	analysis	NOUN
amfbr-218	6	6	on	on	ADP
amfbr-218	6	7	the	the	DET
amfbr-218	6	8	previous	previous	ADJ
amfbr-218	6	9	literatures	literature	NOUN
amfbr-218	6	10	.	.	PUNCT
amfbr-218	7	1	the	the	DET
amfbr-218	7	2	findings	finding	NOUN
amfbr-218	7	3	showed	show	VERB
amfbr-218	7	4	that	that	SCONJ
amfbr-218	7	5	there	there	PRON
amfbr-218	7	6	were	be	VERB
amfbr-218	7	7	10	10	NUM
amfbr-218	7	8	main	main	ADJ
amfbr-218	7	9	different	different	ADJ
amfbr-218	7	10	factors	factor	NOUN
amfbr-218	7	11	which	which	PRON
amfbr-218	7	12	influence	influence	VERB
amfbr-218	7	13	the	the	DET
amfbr-218	7	14	adoption	adoption	NOUN
amfbr-218	7	15	of	of	ADP
amfbr-218	7	16	internet	internet	NOUN
amfbr-218	7	17	banking	banking	NOUN
amfbr-218	7	18	by	by	ADP
amfbr-218	7	19	the	the	DET
amfbr-218	7	20	users	user	NOUN
amfbr-218	7	21	.	.	PUNCT
amfbr-218	8	1	this	this	DET
amfbr-218	8	2	study	study	NOUN
amfbr-218	8	3	also	also	ADV
amfbr-218	8	4	proved	prove	VERB
amfbr-218	8	5	that	that	SCONJ
amfbr-218	8	6	the	the	DET
amfbr-218	8	7	highest	high	ADJ
amfbr-218	8	8	factors	factor	NOUN
amfbr-218	8	9	which	which	PRON
amfbr-218	8	10	consist	consist	VERB
amfbr-218	8	11	of	of	ADP
amfbr-218	8	12	2	2	NUM
amfbr-218	8	13	main	main	ADJ
amfbr-218	8	14	factors	factor	NOUN
amfbr-218	8	15	are	be	AUX
amfbr-218	8	16	generated	generate	VERB
amfbr-218	8	17	from	from	ADP
amfbr-218	8	18	technology	technology	NOUN
amfbr-218	8	19	acceptance	acceptance	NOUN
amfbr-218	8	20	model	model	NOUN
amfbr-218	8	21	(	(	PUNCT
amfbr-218	8	22	tam	tam	PROPN
amfbr-218	8	23	)	)	PUNCT
amfbr-218	8	24	.	.	PUNCT
amfbr-218	9	1	contribution	contribution	NOUN
amfbr-218	9	2	of	of	ADP
amfbr-218	9	3	this	this	DET
amfbr-218	9	4	research	research	NOUN
amfbr-218	9	5	are	be	AUX
amfbr-218	9	6	significantly	significantly	ADV
amfbr-218	9	7	helps	help	VERB
amfbr-218	9	8	bank	bank	NOUN
amfbr-218	9	9	to	to	PART
amfbr-218	9	10	have	have	VERB
amfbr-218	9	11	a	a	DET
amfbr-218	9	12	better	well	ADJ
amfbr-218	9	13	understanding	understanding	NOUN
amfbr-218	9	14	on	on	ADP
amfbr-218	9	15	factors	factor	NOUN
amfbr-218	9	16	that	that	PRON
amfbr-218	9	17	influence	influence	VERB
amfbr-218	9	18	the	the	DET
amfbr-218	9	19	adoption	adoption	NOUN
amfbr-218	9	20	of	of	ADP
amfbr-218	9	21	internet	internet	NOUN
amfbr-218	9	22	banking	banking	NOUN
amfbr-218	9	23	as	as	ADV
amfbr-218	9	24	well	well	ADV
amfbr-218	9	25	as	as	ADP
amfbr-218	9	26	help	help	VERB
amfbr-218	9	27	to	to	PART
amfbr-218	9	28	develop	develop	VERB
amfbr-218	9	29	a	a	DET
amfbr-218	9	30	strategy	strategy	NOUN
amfbr-218	9	31	to	to	PART
amfbr-218	9	32	improved	improve	VERB
amfbr-218	9	33	internet	internet	NOUN
amfbr-218	9	34	banking	banking	NOUN
amfbr-218	9	35	services	service	NOUN
amfbr-218	9	36	.	.	PUNCT
amfbr-218	10	1	keywords	keyword	NOUN
amfbr-218	10	2	:	:	PUNCT
amfbr-218	10	3	customer	customer	NOUN
amfbr-218	10	4	’s	’s	PART
amfbr-218	10	5	adoption	adoption	NOUN
amfbr-218	10	6	,	,	PUNCT
amfbr-218	10	7	influence	influence	NOUN
amfbr-218	10	8	factors	factor	NOUN
amfbr-218	10	9	,	,	PUNCT
amfbr-218	10	10	internet	internet	NOUN
amfbr-218	10	11	banking	banking	NOUN
amfbr-218	10	12	.	.	PUNCT
amfbr-218	11	1	jel	jel	PROPN
amfbr-218	11	2	classification	classification	NOUN
amfbr-218	11	3	:	:	PUNCT
amfbr-218	11	4	g21	g21	PROPN
amfbr-218	11	5	;	;	PUNCT
amfbr-218	11	6	g40	g40	NOUN
amfbr-218	11	7	;	;	PUNCT
amfbr-218	11	8	i22	i22	NOUN
amfbr-218	11	9	;	;	PUNCT
amfbr-218	11	10	j16	j16	NUM
amfbr-218	11	11	;	;	PUNCT
amfbr-218	11	12	o32	o32	NUM
amfbr-218	11	13	;	;	PUNCT
amfbr-218	11	14	035	035	NUM
amfbr-218	11	15	1	1	NUM
amfbr-218	11	16	.	.	PUNCT
amfbr-218	12	1	introduction	introduction	NOUN
amfbr-218	12	2	technology	technology	NOUN
amfbr-218	12	3	has	have	AUX
amfbr-218	12	4	provided	provide	VERB
amfbr-218	12	5	many	many	ADJ
amfbr-218	12	6	benefits	benefit	NOUN
amfbr-218	12	7	and	and	CCONJ
amfbr-218	12	8	facilities	facility	NOUN
amfbr-218	12	9	that	that	PRON
amfbr-218	12	10	have	have	AUX
amfbr-218	12	11	been	be	AUX
amfbr-218	12	12	affecting	affect	VERB
amfbr-218	12	13	the	the	DET
amfbr-218	12	14	banking	banking	NOUN
amfbr-218	12	15	sector	sector	NOUN
amfbr-218	12	16	and	and	CCONJ
amfbr-218	12	17	because	because	SCONJ
amfbr-218	12	18	of	of	ADP
amfbr-218	12	19	that	that	DET
amfbr-218	12	20	banks	bank	NOUN
amfbr-218	12	21	have	have	AUX
amfbr-218	12	22	invested	invest	VERB
amfbr-218	12	23	heavily	heavily	ADV
amfbr-218	12	24	in	in	ADP
amfbr-218	12	25	technology	technology	NOUN
amfbr-218	12	26	as	as	SCONJ
amfbr-218	12	27	its	its	PRON
amfbr-218	12	28	benefits	benefit	NOUN
amfbr-218	12	29	contribute	contribute	VERB
amfbr-218	12	30	greatly	greatly	ADV
amfbr-218	12	31	to	to	PART
amfbr-218	12	32	progress	progress	VERB
amfbr-218	12	33	and	and	CCONJ
amfbr-218	12	34	provide	provide	VERB
amfbr-218	12	35	faster	fast	ADJ
amfbr-218	12	36	banking	banking	NOUN
amfbr-218	12	37	services	service	NOUN
amfbr-218	12	38	to	to	ADP
amfbr-218	12	39	customers	customer	NOUN
amfbr-218	12	40	(	(	PUNCT
amfbr-218	12	41	heinonen	heinonen	PROPN
amfbr-218	12	42	2006	2006	NUM
amfbr-218	12	43	;	;	PUNCT
amfbr-218	12	44	laukkanen	laukkanen	NOUN
amfbr-218	12	45	2007	2007	NUM
amfbr-218	12	46	)	)	PUNCT
amfbr-218	12	47	.	.	PUNCT
amfbr-218	13	1	in	in	ADP
amfbr-218	13	2	addition	addition	NOUN
amfbr-218	13	3	,	,	PUNCT
amfbr-218	13	4	internet	internet	NOUN
amfbr-218	13	5	technology	technology	NOUN
amfbr-218	13	6	has	have	AUX
amfbr-218	13	7	not	not	PART
amfbr-218	13	8	only	only	ADV
amfbr-218	13	9	made	make	VERB
amfbr-218	13	10	substantial	substantial	ADJ
amfbr-218	13	11	changes	change	NOUN
amfbr-218	13	12	to	to	ADP
amfbr-218	13	13	the	the	DET
amfbr-218	13	14	banking	banking	NOUN
amfbr-218	13	15	system	system	NOUN
amfbr-218	13	16	but	but	CCONJ
amfbr-218	13	17	also	also	ADV
amfbr-218	13	18	improved	improve	VERB
amfbr-218	13	19	business	business	NOUN
amfbr-218	13	20	performance	performance	NOUN
amfbr-218	13	21	.	.	PUNCT
amfbr-218	14	1	in	in	ADP
amfbr-218	14	2	the	the	DET
amfbr-218	14	3	era	era	NOUN
amfbr-218	14	4	of	of	ADP
amfbr-218	14	5	globalization	globalization	NOUN
amfbr-218	14	6	today	today	NOUN
amfbr-218	14	7	,	,	PUNCT
amfbr-218	14	8	the	the	DET
amfbr-218	14	9	advancement	advancement	NOUN
amfbr-218	14	10	of	of	ADP
amfbr-218	14	11	internet	internet	NOUN
amfbr-218	14	12	technology	technology	NOUN
amfbr-218	14	13	has	have	AUX
amfbr-218	14	14	been	be	AUX
amfbr-218	14	15	fully	fully	ADV
amfbr-218	14	16	utilized	utilize	VERB
amfbr-218	14	17	by	by	ADP
amfbr-218	14	18	many	many	ADJ
amfbr-218	14	19	companies	company	NOUN
amfbr-218	14	20	to	to	PART
amfbr-218	14	21	influence	influence	VERB
amfbr-218	14	22	their	their	PRON
amfbr-218	14	23	customers	customer	NOUN
amfbr-218	14	24	in	in	ADP
amfbr-218	14	25	applying	apply	VERB
amfbr-218	14	26	what	what	PRON
amfbr-218	14	27	has	have	AUX
amfbr-218	14	28	been	be	AUX
amfbr-218	14	29	provided	provide	VERB
amfbr-218	14	30	by	by	ADP
amfbr-218	14	31	a	a	DET
amfbr-218	14	32	sector	sector	NOUN
amfbr-218	14	33	.	.	PUNCT
amfbr-218	15	1	however	however	ADV
amfbr-218	15	2	,	,	PUNCT
amfbr-218	15	3	it	it	PRON
amfbr-218	15	4	has	have	AUX
amfbr-218	15	5	become	become	VERB
amfbr-218	15	6	an	an	DET
amfbr-218	15	7	important	important	ADJ
amfbr-218	15	8	measure	measure	NOUN
amfbr-218	15	9	of	of	ADP
amfbr-218	15	10	the	the	DET
amfbr-218	15	11	success	success	NOUN
amfbr-218	15	12	or	or	CCONJ
amfbr-218	15	13	effectiveness	effectiveness	NOUN
amfbr-218	15	14	of	of	ADP
amfbr-218	15	15	users	user	NOUN
amfbr-218	15	16	'	'	PART
amfbr-218	15	17	use	use	NOUN
amfbr-218	15	18	of	of	ADP
amfbr-218	15	19	technology	technology	NOUN
amfbr-218	15	20	.	.	PUNCT
amfbr-218	16	1	the	the	DET
amfbr-218	16	2	development	development	NOUN
amfbr-218	16	3	of	of	ADP
amfbr-218	16	4	information	information	NOUN
amfbr-218	16	5	and	and	CCONJ
amfbr-218	16	6	communication	communication	NOUN
amfbr-218	16	7	technology	technology	NOUN
amfbr-218	16	8	over	over	ADP
amfbr-218	16	9	the	the	DET
amfbr-218	16	10	past	past	ADJ
amfbr-218	16	11	20	20	NUM
amfbr-218	16	12	years	year	NOUN
amfbr-218	16	13	has	have	AUX
amfbr-218	16	14	had	have	VERB
amfbr-218	16	15	a	a	DET
amfbr-218	16	16	different	different	ADJ
amfbr-218	16	17	impact	impact	NOUN
amfbr-218	16	18	on	on	ADP
amfbr-218	16	19	businesses	business	NOUN
amfbr-218	16	20	and	and	CCONJ
amfbr-218	16	21	individuals	individual	NOUN
amfbr-218	16	22	.	.	PUNCT
amfbr-218	17	1	therefore	therefore	ADV
amfbr-218	17	2	,	,	PUNCT
amfbr-218	17	3	internet	internet	NOUN
amfbr-218	17	4	banking	banking	NOUN
amfbr-218	17	5	is	be	AUX
amfbr-218	17	6	a	a	DET
amfbr-218	17	7	technological	technological	ADJ
amfbr-218	17	8	innovation	innovation	NOUN
amfbr-218	17	9	that	that	PRON
amfbr-218	17	10	plays	play	VERB
amfbr-218	17	11	an	an	DET
amfbr-218	17	12	important	important	ADJ
amfbr-218	17	13	role	role	NOUN
amfbr-218	17	14	in	in	ADP
amfbr-218	17	15	changing	change	VERB
amfbr-218	17	16	the	the	DET
amfbr-218	17	17	structure	structure	NOUN
amfbr-218	17	18	and	and	CCONJ
amfbr-218	17	19	nature	nature	NOUN
amfbr-218	17	20	of	of	ADP
amfbr-218	17	21	banking	banking	NOUN
amfbr-218	17	22	(	(	PUNCT
amfbr-218	17	23	shazili	shazili	NOUN
amfbr-218	17	24	et	et	PROPN
amfbr-218	17	25	al	al	PROPN
amfbr-218	17	26	,	,	PUNCT
amfbr-218	17	27	2014	2014	NUM
amfbr-218	17	28	)	)	PUNCT
amfbr-218	17	29	.	.	PUNCT
amfbr-218	18	1	according	accord	VERB
amfbr-218	18	2	to	to	ADP
amfbr-218	18	3	different	different	ADJ
amfbr-218	18	4	perspectives	perspective	NOUN
amfbr-218	18	5	,	,	PUNCT
amfbr-218	18	6	mckechnie	mckechnie	PROPN
amfbr-218	18	7	et.al	et.al	PROPN
amfbr-218	18	8	(	(	PUNCT
amfbr-218	18	9	2006	2006	NUM
amfbr-218	18	10	)	)	PUNCT
amfbr-218	18	11	&	&	CCONJ
amfbr-218	18	12	mekter	mekter	PROPN
amfbr-218	18	13	et.al	et.al	PROPN
amfbr-218	18	14	(	(	PUNCT
amfbr-218	18	15	2003	2003	NUM
amfbr-218	18	16	)	)	PUNCT
amfbr-218	18	17	have	have	AUX
amfbr-218	18	18	concluded	conclude	VERB
amfbr-218	18	19	that	that	SCONJ
amfbr-218	18	20	internet	internet	NOUN
amfbr-218	18	21	banking	banking	NOUN
amfbr-218	18	22	,	,	PUNCT
amfbr-218	18	23	automatic	automatic	ADJ
amfbr-218	18	24	teller	teller	NOUN
amfbr-218	18	25	machine	machine	NOUN
amfbr-218	18	26	(	(	PUNCT
amfbr-218	18	27	atms	atms	PROPN
amfbr-218	18	28	)	)	PUNCT
amfbr-218	18	29	,	,	PUNCT
amfbr-218	18	30	an	an	DET
amfbr-218	18	31	electronic	electronic	ADJ
amfbr-218	18	32	business	business	NOUN
amfbr-218	18	33	is	be	AUX
amfbr-218	18	34	one	one	NUM
amfbr-218	18	35	of	of	ADP
amfbr-218	18	36	the	the	DET
amfbr-218	18	37	most	most	ADV
amfbr-218	18	38	popular	popular	ADJ
amfbr-218	18	39	forms	form	NOUN
amfbr-218	18	40	of	of	ADP
amfbr-218	18	41	selfservice	selfservice	NOUN
amfbr-218	18	42	technology	technology	NOUN
amfbr-218	18	43	.	.	PUNCT
amfbr-218	19	1	however	however	ADV
amfbr-218	19	2	,	,	PUNCT
amfbr-218	19	3	although	although	SCONJ
amfbr-218	19	4	customers	customer	NOUN
amfbr-218	19	5	can	can	AUX
amfbr-218	19	6	see	see	VERB
amfbr-218	19	7	the	the	DET
amfbr-218	19	8	benefits	benefit	NOUN
amfbr-218	19	9	of	of	ADP
amfbr-218	19	10	using	use	VERB
amfbr-218	19	11	them	they	PRON
amfbr-218	19	12	,	,	PUNCT
amfbr-218	19	13	there	there	PRON
amfbr-218	19	14	are	be	VERB
amfbr-218	19	15	still	still	ADV
amfbr-218	19	16	users	user	NOUN
amfbr-218	19	17	who	who	PRON
amfbr-218	19	18	refuse	refuse	VERB
amfbr-218	19	19	to	to	PART
amfbr-218	19	20	use	use	VERB
amfbr-218	19	21	them	they	PRON
amfbr-218	19	22	if	if	SCONJ
amfbr-218	19	23	they	they	PRON
amfbr-218	19	24	are	be	AUX
amfbr-218	19	25	not	not	PART
amfbr-218	19	26	comfortable	comfortable	ADJ
amfbr-218	19	27	applying	apply	VERB
amfbr-218	19	28	them	they	PRON
amfbr-218	19	29	.	.	PUNCT
amfbr-218	20	1	this	this	DET
amfbr-218	20	2	matter	matter	NOUN
amfbr-218	20	3	has	have	AUX
amfbr-218	20	4	been	be	AUX
amfbr-218	20	5	one	one	NUM
amfbr-218	20	6	of	of	ADP
amfbr-218	20	7	the	the	DET
amfbr-218	20	8	factors	factor	NOUN
amfbr-218	20	9	that	that	SCONJ
amfbr-218	20	10	banking	banking	NOUN
amfbr-218	20	11	industry	industry	NOUN
amfbr-218	20	12	still	still	ADV
amfbr-218	20	13	has	have	VERB
amfbr-218	20	14	a	a	DET
amfbr-218	20	15	problem	problem	NOUN
amfbr-218	20	16	in	in	ADP
amfbr-218	20	17	return	return	NOUN
amfbr-218	20	18	for	for	ADP
amfbr-218	20	19	investment	investment	NOUN
amfbr-218	20	20	in	in	ADP
amfbr-218	20	21	technology	technology	NOUN
amfbr-218	20	22	as	as	SCONJ
amfbr-218	20	23	not	not	PART
amfbr-218	20	24	all	all	DET
amfbr-218	20	25	customers	customer	NOUN
amfbr-218	20	26	can	can	AUX
amfbr-218	20	27	receive	receive	VERB
amfbr-218	20	28	internet	internet	NOUN
amfbr-218	20	29	banking	banking	NOUN
amfbr-218	20	30	.	.	PUNCT
amfbr-218	21	1	however	however	ADV
amfbr-218	21	2	,	,	PUNCT
amfbr-218	21	3	melek	melek	NOUN
amfbr-218	21	4	et.al	et.al	PROPN
amfbr-218	21	5	(	(	PUNCT
amfbr-218	21	6	2010	2010	NUM
amfbr-218	21	7	)	)	PUNCT
amfbr-218	21	8	has	have	AUX
amfbr-218	21	9	stated	state	VERB
amfbr-218	21	10	that	that	SCONJ
amfbr-218	21	11	the	the	DET
amfbr-218	21	12	majority	majority	NOUN
amfbr-218	21	13	of	of	ADP
amfbr-218	21	14	users	user	NOUN
amfbr-218	21	15	can	can	AUX
amfbr-218	21	16	receive	receive	VERB
amfbr-218	21	17	internet	internet	NOUN
amfbr-218	21	18	banking	banking	NOUN
amfbr-218	21	19	well	well	ADV
amfbr-218	21	20	,	,	PUNCT
amfbr-218	21	21	especially	especially	ADV
amfbr-218	21	22	for	for	ADP
amfbr-218	21	23	educated	educate	VERB
amfbr-218	21	24	people	people	NOUN
amfbr-218	21	25	.	.	PUNCT
amfbr-218	22	1	hence	hence	ADV
amfbr-218	22	2	,	,	PUNCT
amfbr-218	22	3	internet	internet	NOUN
amfbr-218	22	4	banking	banking	NOUN
amfbr-218	22	5	has	have	AUX
amfbr-218	22	6	been	be	AUX
amfbr-218	22	7	increasingly	increasingly	ADV
amfbr-218	22	8	intensified	intensify	VERB
amfbr-218	22	9	for	for	ADP
amfbr-218	22	10	the	the	DET
amfbr-218	22	11	sake	sake	NOUN
amfbr-218	22	12	of	of	ADP
amfbr-218	22	13	making	make	VERB
amfbr-218	22	14	use	use	VERB
amfbr-218	22	15	internet	internet	NOUN
amfbr-218	22	16	banking	banking	NOUN
amfbr-218	22	17	thoroughly	thoroughly	ADV
amfbr-218	22	18	.	.	PUNCT
amfbr-218	23	1	the	the	DET
amfbr-218	23	2	purpose	purpose	NOUN
amfbr-218	23	3	of	of	ADP
amfbr-218	23	4	this	this	DET
amfbr-218	23	5	study	study	NOUN
amfbr-218	23	6	is	be	AUX
amfbr-218	23	7	to	to	PART
amfbr-218	23	8	examine	examine	VERB
amfbr-218	23	9	the	the	DET
amfbr-218	23	10	factors	factor	NOUN
amfbr-218	23	11	that	that	PRON
amfbr-218	23	12	have	have	AUX
amfbr-218	23	13	influenced	influence	VERB
amfbr-218	23	14	the	the	DET
amfbr-218	23	15	user	user	NOUN
amfbr-218	23	16	in	in	ADP
amfbr-218	23	17	using	use	VERB
amfbr-218	23	18	internet	internet	NOUN
amfbr-218	23	19	banking	banking	NOUN
amfbr-218	23	20	.	.	PUNCT
amfbr-218	24	1	this	this	DET
amfbr-218	24	2	study	study	NOUN
amfbr-218	24	3	helps	help	VERB
amfbr-218	24	4	identify	identify	VERB
amfbr-218	24	5	the	the	DET
amfbr-218	24	6	main	main	ADJ
amfbr-218	24	7	factors	factor	NOUN
amfbr-218	24	8	that	that	PRON
amfbr-218	24	9	influence	influence	VERB
amfbr-218	24	10	the	the	DET
amfbr-218	24	11	adoption	adoption	NOUN
amfbr-218	24	12	of	of	ADP
amfbr-218	24	13	internet	internet	NOUN
amfbr-218	24	14	banking	banking	NOUN
amfbr-218	24	15	.	.	PUNCT
amfbr-218	25	1	from	from	ADP
amfbr-218	25	2	theoretical	theoretical	ADJ
amfbr-218	25	3	perspectives	perspective	NOUN
amfbr-218	25	4	,	,	PUNCT
amfbr-218	25	5	the	the	DET
amfbr-218	25	6	result	result	NOUN
amfbr-218	25	7	contributes	contribute	VERB
amfbr-218	25	8	to	to	ADP
amfbr-218	25	9	an	an	DET
amfbr-218	25	10	existing	exist	VERB
amfbr-218	25	11	literature	literature	NOUN
amfbr-218	25	12	where	where	SCONJ
amfbr-218	25	13	this	this	DET
amfbr-218	25	14	article	article	NOUN
amfbr-218	25	15	helps	help	VERB
amfbr-218	25	16	provide	provide	VERB
amfbr-218	25	17	an	an	DET
amfbr-218	25	18	amendment	amendment	NOUN
amfbr-218	25	19	factor	factor	NOUN
amfbr-218	25	20	that	that	PRON
amfbr-218	25	21	may	may	AUX
amfbr-218	25	22	influence	influence	VERB
amfbr-218	25	23	the	the	DET
amfbr-218	25	24	customer	customer	NOUN
amfbr-218	25	25	to	to	PART
amfbr-218	25	26	use	use	VERB
amfbr-218	25	27	internet	internet	NOUN
amfbr-218	25	28	banking	banking	NOUN
amfbr-218	25	29	.	.	PUNCT
amfbr-218	26	1	from	from	ADP
amfbr-218	26	2	a	a	DET
amfbr-218	26	3	practical	practical	ADJ
amfbr-218	26	4	implications	implication	NOUN
amfbr-218	26	5	,	,	PUNCT
amfbr-218	26	6	this	this	DET
amfbr-218	26	7	research	research	NOUN
amfbr-218	26	8	is	be	AUX
amfbr-218	26	9	significantly	significantly	ADV
amfbr-218	26	10	contributes	contribute	VERB
amfbr-218	26	11	to	to	ADP
amfbr-218	26	12	banking	banking	NOUN
amfbr-218	26	13	sector	sector	NOUN
amfbr-218	26	14	or	or	CCONJ
amfbr-218	26	15	bank	bank	NOUN
amfbr-218	26	16	managers	manager	NOUN
amfbr-218	26	17	to	to	PART
amfbr-218	26	18	have	have	VERB
amfbr-218	26	19	a	a	DET
amfbr-218	26	20	better	well	ADJ
amfbr-218	26	21	understandings	understanding	NOUN
amfbr-218	26	22	toward	toward	ADP
amfbr-218	26	23	internet	internet	NOUN
amfbr-218	26	24	banking	banking	NOUN
amfbr-218	26	25	as	as	ADV
amfbr-218	26	26	well	well	ADV
amfbr-218	26	27	as	as	ADP
amfbr-218	26	28	help	help	VERB
amfbr-218	26	29	banks	bank	NOUN
amfbr-218	26	30	to	to	PART
amfbr-218	26	31	develop	develop	VERB
amfbr-218	26	32	strategies	strategy	NOUN
amfbr-218	26	33	to	to	PART
amfbr-218	26	34	enhance	enhance	VERB
amfbr-218	26	35	internet	internet	NOUN
amfbr-218	26	36	banking	banking	NOUN
amfbr-218	26	37	services	service	NOUN
amfbr-218	26	38	and	and	CCONJ
amfbr-218	26	39	usage	usage	NOUN
amfbr-218	26	40	.	.	PUNCT
amfbr-218	27	1	the	the	DET
amfbr-218	27	2	banks	bank	NOUN
amfbr-218	27	3	also	also	ADV
amfbr-218	27	4	able	able	ADJ
amfbr-218	27	5	to	to	PART
amfbr-218	27	6	specified	specified	VERB
amfbr-218	27	7	certain	certain	ADJ
amfbr-218	27	8	budget	budget	NOUN
amfbr-218	27	9	on	on	ADP
amfbr-218	27	10	which	which	DET
amfbr-218	27	11	factor	factor	NOUN
amfbr-218	27	12	should	should	AUX
amfbr-218	27	13	bank	bank	NOUN
amfbr-218	27	14	invest	invest	VERB
amfbr-218	27	15	more	more	ADV
amfbr-218	27	16	so	so	SCONJ
amfbr-218	27	17	that	that	SCONJ
amfbr-218	27	18	the	the	DET
amfbr-218	27	19	internet	internet	NOUN
amfbr-218	27	20	banking	banking	NOUN
amfbr-218	27	21	mailto:azimul2093@gmail.com	mailto:azimul2093@gmail.com	PROPN
amfbr-218	27	22	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-218	27	23	american	american	PROPN
amfbr-218	27	24	finance	finance	PROPN
amfbr-218	27	25	&	&	CCONJ
amfbr-218	27	26	banking	banking	PROPN
amfbr-218	27	27	review	review	PROPN
amfbr-218	27	28	vol	vol	NOUN
amfbr-218	27	29	.	.	PROPN
amfbr-218	27	30	3	3	NUM
amfbr-218	27	31	,	,	PUNCT
amfbr-218	27	32	no	no	INTJ
amfbr-218	27	33	.	.	NOUN
amfbr-218	27	34	1	1	NUM
amfbr-218	27	35	;	;	PUNCT
amfbr-218	27	36	2018	2018	NUM
amfbr-218	27	37	36	36	NUM
amfbr-218	27	38	services	service	NOUN
amfbr-218	27	39	are	be	AUX
amfbr-218	27	40	more	more	ADV
amfbr-218	27	41	likely	likely	ADJ
amfbr-218	27	42	able	able	ADJ
amfbr-218	27	43	to	to	PART
amfbr-218	27	44	use	use	VERB
amfbr-218	27	45	to	to	ADP
amfbr-218	27	46	all	all	DET
amfbr-218	27	47	age	age	NOUN
amfbr-218	27	48	categories	category	NOUN
amfbr-218	27	49	and	and	CCONJ
amfbr-218	27	50	increase	increase	VERB
amfbr-218	27	51	bank	bank	NOUN
amfbr-218	27	52	marketing	marketing	NOUN
amfbr-218	27	53	especially	especially	ADV
amfbr-218	27	54	on	on	ADP
amfbr-218	27	55	online	online	ADJ
amfbr-218	27	56	services	service	NOUN
amfbr-218	27	57	.	.	PUNCT
amfbr-218	28	1	the	the	DET
amfbr-218	28	2	rest	rest	NOUN
amfbr-218	28	3	of	of	ADP
amfbr-218	28	4	the	the	DET
amfbr-218	28	5	paper	paper	NOUN
amfbr-218	28	6	will	will	AUX
amfbr-218	28	7	discuss	discuss	VERB
amfbr-218	28	8	some	some	DET
amfbr-218	28	9	definitions	definition	NOUN
amfbr-218	28	10	of	of	ADP
amfbr-218	28	11	internet	internet	NOUN
amfbr-218	28	12	banking	banking	NOUN
amfbr-218	28	13	as	as	ADP
amfbr-218	28	14	an	an	DET
amfbr-218	28	15	explanation	explanation	NOUN
amfbr-218	28	16	of	of	ADP
amfbr-218	28	17	the	the	DET
amfbr-218	28	18	essence	essence	NOUN
amfbr-218	28	19	of	of	ADP
amfbr-218	28	20	this	this	DET
amfbr-218	28	21	study	study	NOUN
amfbr-218	28	22	.	.	PUNCT
amfbr-218	29	1	this	this	DET
amfbr-218	29	2	study	study	NOUN
amfbr-218	29	3	also	also	ADV
amfbr-218	29	4	highlight	highlight	VERB
amfbr-218	29	5	on	on	ADP
amfbr-218	29	6	demographic	demographic	ADJ
amfbr-218	29	7	impacts	impact	NOUN
amfbr-218	29	8	that	that	PRON
amfbr-218	29	9	also	also	ADV
amfbr-218	29	10	play	play	VERB
amfbr-218	29	11	a	a	DET
amfbr-218	29	12	role	role	NOUN
amfbr-218	29	13	in	in	ADP
amfbr-218	29	14	influencing	influence	VERB
amfbr-218	29	15	users	user	NOUN
amfbr-218	29	16	to	to	PART
amfbr-218	29	17	use	use	VERB
amfbr-218	29	18	internet	internet	NOUN
amfbr-218	29	19	banking	banking	NOUN
amfbr-218	29	20	.	.	PUNCT
amfbr-218	30	1	it	it	PRON
amfbr-218	30	2	addresses	address	VERB
amfbr-218	30	3	the	the	DET
amfbr-218	30	4	user	user	NOUN
amfbr-218	30	5	's	's	PART
amfbr-218	30	6	ability	ability	NOUN
amfbr-218	30	7	to	to	PART
amfbr-218	30	8	adapt	adapt	VERB
amfbr-218	30	9	internet	internet	NOUN
amfbr-218	30	10	banking	banking	NOUN
amfbr-218	30	11	before	before	ADP
amfbr-218	30	12	switching	switch	VERB
amfbr-218	30	13	to	to	ADP
amfbr-218	30	14	the	the	DET
amfbr-218	30	15	main	main	ADJ
amfbr-218	30	16	issue	issue	NOUN
amfbr-218	30	17	of	of	ADP
amfbr-218	30	18	the	the	DET
amfbr-218	30	19	study	study	NOUN
amfbr-218	30	20	,	,	PUNCT
amfbr-218	30	21	which	which	PRON
amfbr-218	30	22	is	be	AUX
amfbr-218	30	23	the	the	DET
amfbr-218	30	24	factor	factor	NOUN
amfbr-218	30	25	of	of	ADP
amfbr-218	30	26	encouraging	encourage	VERB
amfbr-218	30	27	users	user	NOUN
amfbr-218	30	28	to	to	PART
amfbr-218	30	29	apply	apply	VERB
amfbr-218	30	30	internet	internet	NOUN
amfbr-218	30	31	banking	banking	NOUN
amfbr-218	30	32	.	.	PUNCT
amfbr-218	31	1	the	the	DET
amfbr-218	31	2	discussion	discussion	NOUN
amfbr-218	31	3	will	will	AUX
amfbr-218	31	4	be	be	AUX
amfbr-218	31	5	ended	end	VERB
amfbr-218	31	6	with	with	ADP
amfbr-218	31	7	conclusions	conclusion	NOUN
amfbr-218	31	8	and	and	CCONJ
amfbr-218	31	9	recommendations	recommendation	NOUN
amfbr-218	31	10	.	.	PUNCT
amfbr-218	32	1	2	2	X
amfbr-218	32	2	.	.	X
amfbr-218	32	3	concepts	concept	NOUN
amfbr-218	32	4	of	of	ADP
amfbr-218	32	5	internet	internet	NOUN
amfbr-218	32	6	banking	banking	NOUN
amfbr-218	32	7	driga	driga	ADV
amfbr-218	32	8	(	(	PUNCT
amfbr-218	32	9	2014	2014	NUM
amfbr-218	32	10	)	)	PUNCT
amfbr-218	32	11	defines	define	VERB
amfbr-218	32	12	internet	internet	NOUN
amfbr-218	32	13	banking	banking	NOUN
amfbr-218	32	14	as	as	ADP
amfbr-218	32	15	an	an	DET
amfbr-218	32	16	online	online	ADJ
amfbr-218	32	17	banking	banking	NOUN
amfbr-218	32	18	online	online	ADV
amfbr-218	32	19	which	which	PRON
amfbr-218	32	20	uses	use	VERB
amfbr-218	32	21	a	a	DET
amfbr-218	32	22	website	website	NOUN
amfbr-218	32	23	that	that	PRON
amfbr-218	32	24	is	be	AUX
amfbr-218	32	25	a	a	DET
amfbr-218	32	26	more	more	ADV
amfbr-218	32	27	advanced	advanced	ADJ
amfbr-218	32	28	banking	banking	NOUN
amfbr-218	32	29	method	method	NOUN
amfbr-218	32	30	,	,	PUNCT
amfbr-218	32	31	a	a	DET
amfbr-218	32	32	system	system	NOUN
amfbr-218	32	33	that	that	PRON
amfbr-218	32	34	allows	allow	VERB
amfbr-218	32	35	bank	bank	NOUN
amfbr-218	32	36	customers	customer	NOUN
amfbr-218	32	37	to	to	PART
amfbr-218	32	38	access	access	VERB
amfbr-218	32	39	accounts	account	NOUN
amfbr-218	32	40	and	and	CCONJ
amfbr-218	32	41	find	find	VERB
amfbr-218	32	42	out	out	ADP
amfbr-218	32	43	general	general	ADJ
amfbr-218	32	44	information	information	NOUN
amfbr-218	32	45	about	about	ADP
amfbr-218	32	46	bank	bank	NOUN
amfbr-218	32	47	products	product	NOUN
amfbr-218	32	48	and	and	CCONJ
amfbr-218	32	49	services	service	NOUN
amfbr-218	32	50	directly	directly	ADV
amfbr-218	32	51	through	through	ADP
amfbr-218	32	52	personal	personal	ADJ
amfbr-218	32	53	computers	computer	NOUN
amfbr-218	32	54	,	,	PUNCT
amfbr-218	32	55	mobile	mobile	ADJ
amfbr-218	32	56	phones	phone	NOUN
amfbr-218	32	57	and	and	CCONJ
amfbr-218	32	58	others	other	NOUN
amfbr-218	32	59	as	as	ADP
amfbr-218	32	60	delivery	delivery	NOUN
amfbr-218	32	61	channels	channel	NOUN
amfbr-218	32	62	.	.	PUNCT
amfbr-218	33	1	according	accord	VERB
amfbr-218	33	2	to	to	ADP
amfbr-218	33	3	oliveira	oliveira	PROPN
amfbr-218	33	4	et.al	et.al	PROPN
amfbr-218	33	5	(	(	PUNCT
amfbr-218	33	6	2014	2014	NUM
amfbr-218	33	7	)	)	PUNCT
amfbr-218	33	8	says	say	VERB
amfbr-218	33	9	internet	internet	NOUN
amfbr-218	33	10	banking	banking	NOUN
amfbr-218	33	11	is	be	AUX
amfbr-218	33	12	an	an	DET
amfbr-218	33	13	instance	instance	NOUN
amfbr-218	33	14	commerce	commerce	NOUN
amfbr-218	33	15	that	that	PRON
amfbr-218	33	16	used	use	VERB
amfbr-218	33	17	through	through	ADP
amfbr-218	33	18	mobile	mobile	ADJ
amfbr-218	33	19	device	device	NOUN
amfbr-218	33	20	which	which	PRON
amfbr-218	33	21	enables	enable	VERB
amfbr-218	33	22	the	the	DET
amfbr-218	33	23	customer	customer	NOUN
amfbr-218	33	24	to	to	PART
amfbr-218	33	25	adapt	adapt	VERB
amfbr-218	33	26	financial	financial	ADJ
amfbr-218	33	27	transaction	transaction	NOUN
amfbr-218	33	28	through	through	ADP
amfbr-218	33	29	mobile	mobile	NOUN
amfbr-218	33	30	.	.	PUNCT
amfbr-218	34	1	in	in	ADP
amfbr-218	34	2	addition	addition	NOUN
amfbr-218	34	3	,	,	PUNCT
amfbr-218	34	4	customers	customer	NOUN
amfbr-218	34	5	can	can	AUX
amfbr-218	34	6	access	access	VERB
amfbr-218	34	7	all	all	DET
amfbr-218	34	8	their	their	PRON
amfbr-218	34	9	accounts	account	NOUN
amfbr-218	34	10	via	via	ADP
amfbr-218	34	11	banking	banking	NOUN
amfbr-218	34	12	website	website	NOUN
amfbr-218	34	13	and	and	CCONJ
amfbr-218	34	14	are	be	AUX
amfbr-218	34	15	allowed	allow	VERB
amfbr-218	34	16	to	to	PART
amfbr-218	34	17	run	run	VERB
amfbr-218	34	18	banking	banking	NOUN
amfbr-218	34	19	transactions	transaction	NOUN
amfbr-218	34	20	such	such	ADJ
amfbr-218	34	21	as	as	ADP
amfbr-218	34	22	bill	bill	NOUN
amfbr-218	34	23	payment	payment	NOUN
amfbr-218	34	24	,	,	PUNCT
amfbr-218	34	25	sale	sale	NOUN
amfbr-218	34	26	and	and	CCONJ
amfbr-218	34	27	purchase	purchase	NOUN
amfbr-218	34	28	transaction	transaction	NOUN
amfbr-218	34	29	and	and	CCONJ
amfbr-218	34	30	others	other	NOUN
amfbr-218	34	31	.	.	PUNCT
amfbr-218	35	1	according	accord	VERB
amfbr-218	35	2	to	to	ADP
amfbr-218	35	3	maitlo	maitlo	NOUN
amfbr-218	35	4	(	(	PUNCT
amfbr-218	35	5	2015	2015	NUM
amfbr-218	35	6	)	)	PUNCT
amfbr-218	35	7	internet	internet	NOUN
amfbr-218	35	8	banking	banking	NOUN
amfbr-218	35	9	is	be	AUX
amfbr-218	35	10	one	one	NUM
amfbr-218	35	11	of	of	ADP
amfbr-218	35	12	the	the	DET
amfbr-218	35	13	conventional	conventional	ADJ
amfbr-218	35	14	phases	phase	NOUN
amfbr-218	35	15	in	in	ADP
amfbr-218	35	16	bank	bank	NOUN
amfbr-218	35	17	services	service	NOUN
amfbr-218	35	18	.	.	PUNCT
amfbr-218	36	1	online	online	ADJ
amfbr-218	36	2	banking	banking	NOUN
amfbr-218	36	3	allows	allow	VERB
amfbr-218	36	4	banks	bank	NOUN
amfbr-218	36	5	to	to	PART
amfbr-218	36	6	increase	increase	VERB
amfbr-218	36	7	their	their	PRON
amfbr-218	36	8	operations	operation	NOUN
amfbr-218	36	9	by	by	ADP
amfbr-218	36	10	lowering	lower	VERB
amfbr-218	36	11	cost	cost	NOUN
amfbr-218	36	12	rates	rate	NOUN
amfbr-218	36	13	more	more	ADV
amfbr-218	36	14	effectively	effectively	ADV
amfbr-218	36	15	to	to	PART
amfbr-218	36	16	transform	transform	VERB
amfbr-218	36	17	the	the	DET
amfbr-218	36	18	traditional	traditional	ADJ
amfbr-218	36	19	banking	banking	NOUN
amfbr-218	36	20	system	system	NOUN
amfbr-218	36	21	into	into	ADP
amfbr-218	36	22	online	online	ADJ
amfbr-218	36	23	banking	banking	NOUN
amfbr-218	36	24	.	.	PUNCT
amfbr-218	37	1	shaikh	shaikh	PROPN
amfbr-218	37	2	&	&	CCONJ
amfbr-218	37	3	karjaluoto	karjaluoto	PROPN
amfbr-218	37	4	(	(	PUNCT
amfbr-218	37	5	2015	2015	NUM
amfbr-218	37	6	)	)	PUNCT
amfbr-218	37	7	states	state	VERB
amfbr-218	37	8	that	that	SCONJ
amfbr-218	37	9	internet	internet	NOUN
amfbr-218	37	10	banking	banking	NOUN
amfbr-218	37	11	is	be	AUX
amfbr-218	37	12	a	a	DET
amfbr-218	37	13	product	product	NOUN
amfbr-218	37	14	or	or	CCONJ
amfbr-218	37	15	service	service	NOUN
amfbr-218	37	16	offered	offer	VERB
amfbr-218	37	17	by	by	ADP
amfbr-218	37	18	bank	bank	NOUN
amfbr-218	37	19	or	or	CCONJ
amfbr-218	37	20	microfinance	microfinance	NOUN
amfbr-218	37	21	institutions	institution	NOUN
amfbr-218	37	22	that	that	PRON
amfbr-218	37	23	used	use	VERB
amfbr-218	37	24	to	to	PART
amfbr-218	37	25	make	make	VERB
amfbr-218	37	26	transaction	transaction	NOUN
amfbr-218	37	27	using	use	VERB
amfbr-218	37	28	an	an	DET
amfbr-218	37	29	intelligent	intelligent	ADJ
amfbr-218	37	30	devices	device	NOUN
amfbr-218	37	31	namely	namely	ADV
amfbr-218	37	32	as	as	ADP
amfbr-218	37	33	mobile	mobile	ADJ
amfbr-218	37	34	phone	phone	NOUN
amfbr-218	37	35	smartphones	smartphone	NOUN
amfbr-218	37	36	or	or	CCONJ
amfbr-218	37	37	tablet	tablet	NOUN
amfbr-218	37	38	.	.	PUNCT
amfbr-218	38	1	in	in	ADP
amfbr-218	38	2	the	the	DET
amfbr-218	38	3	current	current	ADJ
amfbr-218	38	4	era	era	NOUN
amfbr-218	38	5	,	,	PUNCT
amfbr-218	38	6	by	by	ADP
amfbr-218	38	7	using	use	VERB
amfbr-218	38	8	online	online	ADJ
amfbr-218	38	9	banking	banking	NOUN
amfbr-218	38	10	,	,	PUNCT
amfbr-218	38	11	it	it	PRON
amfbr-218	38	12	can	can	AUX
amfbr-218	38	13	provide	provide	VERB
amfbr-218	38	14	convenience	convenience	NOUN
amfbr-218	38	15	in	in	ADP
amfbr-218	38	16	conducting	conduct	VERB
amfbr-218	38	17	banking	banking	NOUN
amfbr-218	38	18	transactions	transaction	NOUN
amfbr-218	38	19	and	and	CCONJ
amfbr-218	38	20	easily	easily	ADV
amfbr-218	38	21	obtain	obtain	VERB
amfbr-218	38	22	information	information	NOUN
amfbr-218	38	23	related	relate	VERB
amfbr-218	38	24	to	to	ADP
amfbr-218	38	25	transactions	transaction	NOUN
amfbr-218	38	26	without	without	ADP
amfbr-218	38	27	having	have	VERB
amfbr-218	38	28	to	to	PART
amfbr-218	38	29	go	go	VERB
amfbr-218	38	30	to	to	ADP
amfbr-218	38	31	a	a	DET
amfbr-218	38	32	branch	branch	NOUN
amfbr-218	38	33	bank	bank	NOUN
amfbr-218	38	34	to	to	PART
amfbr-218	38	35	conduct	conduct	VERB
amfbr-218	38	36	transactions	transaction	NOUN
amfbr-218	38	37	such	such	ADJ
amfbr-218	38	38	as	as	ADP
amfbr-218	38	39	seeing	see	VERB
amfbr-218	38	40	bank	bank	NOUN
amfbr-218	38	41	account	account	NOUN
amfbr-218	38	42	balance	balance	NOUN
amfbr-218	38	43	,	,	PUNCT
amfbr-218	38	44	utility	utility	NOUN
amfbr-218	38	45	bill	bill	NOUN
amfbr-218	38	46	payment	payment	NOUN
amfbr-218	38	47	and	and	CCONJ
amfbr-218	38	48	so	so	ADV
amfbr-218	38	49	on	on	ADV
amfbr-218	38	50	.	.	PUNCT
amfbr-218	39	1	the	the	DET
amfbr-218	39	2	majority	majority	NOUN
amfbr-218	39	3	of	of	ADP
amfbr-218	39	4	banks	bank	NOUN
amfbr-218	39	5	have	have	AUX
amfbr-218	39	6	introduced	introduce	VERB
amfbr-218	39	7	the	the	DET
amfbr-218	39	8	electronic	electronic	ADJ
amfbr-218	39	9	banking	banking	NOUN
amfbr-218	39	10	system	system	NOUN
amfbr-218	39	11	as	as	SCONJ
amfbr-218	39	12	more	more	ADV
amfbr-218	39	13	advanced	advanced	ADJ
amfbr-218	39	14	and	and	CCONJ
amfbr-218	39	15	information	information	NOUN
amfbr-218	39	16	systems	system	NOUN
amfbr-218	39	17	help	help	VERB
amfbr-218	39	18	customers	customer	NOUN
amfbr-218	39	19	interact	interact	VERB
amfbr-218	39	20	well	well	ADV
amfbr-218	39	21	,	,	PUNCT
amfbr-218	39	22	quickly	quickly	ADV
amfbr-218	39	23	and	and	CCONJ
amfbr-218	39	24	easily	easily	ADV
amfbr-218	39	25	.	.	PUNCT
amfbr-218	40	1	according	accord	VERB
amfbr-218	40	2	to	to	ADP
amfbr-218	40	3	pace	pace	NOUN
amfbr-218	40	4	(	(	PUNCT
amfbr-218	40	5	2016	2016	NUM
amfbr-218	40	6	)	)	PUNCT
amfbr-218	40	7	internet	internet	NOUN
amfbr-218	40	8	banking	banking	NOUN
amfbr-218	40	9	is	be	AUX
amfbr-218	40	10	an	an	DET
amfbr-218	40	11	online	online	ADJ
amfbr-218	40	12	banking	banking	NOUN
amfbr-218	40	13	that	that	PRON
amfbr-218	40	14	allows	allow	VERB
amfbr-218	40	15	its	its	PRON
amfbr-218	40	16	users	user	NOUN
amfbr-218	40	17	to	to	PART
amfbr-218	40	18	conduct	conduct	VERB
amfbr-218	40	19	several	several	ADJ
amfbr-218	40	20	banking	banking	NOUN
amfbr-218	40	21	activities	activity	NOUN
amfbr-218	40	22	that	that	PRON
amfbr-218	40	23	are	be	AUX
amfbr-218	40	24	usually	usually	ADV
amfbr-218	40	25	carried	carry	VERB
amfbr-218	40	26	out	out	ADP
amfbr-218	40	27	on	on	ADP
amfbr-218	40	28	a	a	DET
amfbr-218	40	29	banking	banking	NOUN
amfbr-218	40	30	factor	factor	NOUN
amfbr-218	40	31	and	and	CCONJ
amfbr-218	40	32	transactions	transaction	NOUN
amfbr-218	40	33	conducted	conduct	VERB
amfbr-218	40	34	using	use	VERB
amfbr-218	40	35	the	the	DET
amfbr-218	40	36	internet	internet	NOUN
amfbr-218	40	37	while	while	SCONJ
amfbr-218	40	38	according	accord	VERB
amfbr-218	40	39	to	to	ADP
amfbr-218	40	40	koksal	koksal	NOUN
amfbr-218	40	41	(	(	PUNCT
amfbr-218	40	42	2016	2016	NUM
amfbr-218	40	43	)	)	PUNCT
amfbr-218	40	44	says	say	VERB
amfbr-218	40	45	that	that	SCONJ
amfbr-218	40	46	internet	internet	NOUN
amfbr-218	40	47	banking	banking	NOUN
amfbr-218	40	48	is	be	AUX
amfbr-218	40	49	able	able	ADJ
amfbr-218	40	50	to	to	PART
amfbr-218	40	51	use	use	VERB
amfbr-218	40	52	in	in	ADP
amfbr-218	40	53	any	any	DET
amfbr-218	40	54	kind	kind	NOUN
amfbr-218	40	55	of	of	ADP
amfbr-218	40	56	banking	banking	NOUN
amfbr-218	40	57	activities	activity	NOUN
amfbr-218	40	58	that	that	PRON
amfbr-218	40	59	carried	carry	VERB
amfbr-218	40	60	out	out	ADP
amfbr-218	40	61	through	through	ADP
amfbr-218	40	62	mobile	mobile	ADJ
amfbr-218	40	63	devices	device	NOUN
amfbr-218	40	64	as	as	ADP
amfbr-218	40	65	a	a	DET
amfbr-218	40	66	personal	personal	ADJ
amfbr-218	40	67	digital	digital	ADJ
amfbr-218	40	68	assistant	assistant	NOUN
amfbr-218	40	69	.	.	PUNCT
amfbr-218	41	1	thus	thus	ADV
amfbr-218	41	2	,	,	PUNCT
amfbr-218	41	3	internet	internet	NOUN
amfbr-218	41	4	banking	banking	NOUN
amfbr-218	41	5	is	be	AUX
amfbr-218	41	6	also	also	ADV
amfbr-218	41	7	a	a	DET
amfbr-218	41	8	platform	platform	NOUN
amfbr-218	41	9	that	that	PRON
amfbr-218	41	10	is	be	AUX
amfbr-218	41	11	often	often	ADV
amfbr-218	41	12	used	use	VERB
amfbr-218	41	13	for	for	ADP
amfbr-218	41	14	banking	banking	NOUN
amfbr-218	41	15	.	.	PUNCT
amfbr-218	42	1	some	some	DET
amfbr-218	42	2	types	type	NOUN
amfbr-218	42	3	of	of	ADP
amfbr-218	42	4	services	service	NOUN
amfbr-218	42	5	provided	provide	VERB
amfbr-218	42	6	by	by	ADP
amfbr-218	42	7	the	the	DET
amfbr-218	42	8	customer	customer	NOUN
amfbr-218	42	9	by	by	ADP
amfbr-218	42	10	the	the	DET
amfbr-218	42	11	bank	bank	NOUN
amfbr-218	42	12	and	and	CCONJ
amfbr-218	42	13	show	show	VERB
amfbr-218	42	14	that	that	SCONJ
amfbr-218	42	15	anyone	anyone	PRON
amfbr-218	42	16	can	can	AUX
amfbr-218	42	17	make	make	VERB
amfbr-218	42	18	transactions	transaction	NOUN
amfbr-218	42	19	such	such	ADJ
amfbr-218	42	20	as	as	ADP
amfbr-218	42	21	financial	financial	ADJ
amfbr-218	42	22	entry	entry	NOUN
amfbr-218	42	23	or	or	CCONJ
amfbr-218	42	24	business	business	NOUN
amfbr-218	42	25	anywhere	anywhere	ADV
amfbr-218	42	26	they	they	PRON
amfbr-218	42	27	are	be	AUX
amfbr-218	42	28	either	either	CCONJ
amfbr-218	42	29	a	a	DET
amfbr-218	42	30	computer	computer	NOUN
amfbr-218	42	31	or	or	CCONJ
amfbr-218	42	32	a	a	DET
amfbr-218	42	33	mobile	mobile	ADJ
amfbr-218	42	34	phone	phone	NOUN
amfbr-218	42	35	.	.	PUNCT
amfbr-218	43	1	3	3	X
amfbr-218	43	2	.	.	X
amfbr-218	43	3	the	the	DET
amfbr-218	43	4	ability	ability	NOUN
amfbr-218	43	5	of	of	ADP
amfbr-218	43	6	users	user	NOUN
amfbr-218	43	7	to	to	PART
amfbr-218	43	8	adapt	adapt	VERB
amfbr-218	43	9	internet	internet	NOUN
amfbr-218	43	10	banking	banking	NOUN
amfbr-218	43	11	the	the	DET
amfbr-218	43	12	number	number	NOUN
amfbr-218	43	13	of	of	ADP
amfbr-218	43	14	users	user	NOUN
amfbr-218	43	15	with	with	ADP
amfbr-218	43	16	access	access	NOUN
amfbr-218	43	17	to	to	ADP
amfbr-218	43	18	the	the	DET
amfbr-218	43	19	internet	internet	NOUN
amfbr-218	43	20	is	be	AUX
amfbr-218	43	21	one	one	NUM
amfbr-218	43	22	of	of	ADP
amfbr-218	43	23	the	the	DET
amfbr-218	43	24	determinants	determinant	NOUN
amfbr-218	43	25	of	of	ADP
amfbr-218	43	26	the	the	DET
amfbr-218	43	27	level	level	NOUN
amfbr-218	43	28	of	of	ADP
amfbr-218	43	29	use	use	NOUN
amfbr-218	43	30	of	of	ADP
amfbr-218	43	31	internet	internet	NOUN
amfbr-218	43	32	banking	banking	NOUN
amfbr-218	43	33	services	service	NOUN
amfbr-218	43	34	.	.	PUNCT
amfbr-218	44	1	some	some	DET
amfbr-218	44	2	issues	issue	NOUN
amfbr-218	44	3	related	relate	VERB
amfbr-218	44	4	to	to	ADP
amfbr-218	44	5	user	user	NOUN
amfbr-218	44	6	account	account	NOUN
amfbr-218	44	7	security	security	NOUN
amfbr-218	44	8	may	may	AUX
amfbr-218	44	9	also	also	ADV
amfbr-218	44	10	distract	distract	VERB
amfbr-218	44	11	consumers	consumer	NOUN
amfbr-218	44	12	from	from	ADP
amfbr-218	44	13	using	use	VERB
amfbr-218	44	14	the	the	DET
amfbr-218	44	15	facilities	facility	NOUN
amfbr-218	44	16	available	available	ADJ
amfbr-218	44	17	in	in	ADP
amfbr-218	44	18	internet	internet	NOUN
amfbr-218	44	19	banking	banking	NOUN
amfbr-218	44	20	.	.	PUNCT
amfbr-218	45	1	it	it	PRON
amfbr-218	45	2	changes	change	VERB
amfbr-218	45	3	from	from	ADP
amfbr-218	45	4	social	social	ADJ
amfbr-218	45	5	psychological	psychological	ADJ
amfbr-218	45	6	and	and	CCONJ
amfbr-218	45	7	research	research	NOUN
amfbr-218	45	8	aspects	aspect	NOUN
amfbr-218	45	9	that	that	PRON
amfbr-218	45	10	differ	differ	VERB
amfbr-218	45	11	from	from	ADP
amfbr-218	45	12	those	those	PRON
amfbr-218	45	13	in	in	ADP
amfbr-218	45	14	which	which	PRON
amfbr-218	45	15	the	the	DET
amfbr-218	45	16	user	user	NOUN
amfbr-218	45	17	feels	feel	VERB
amfbr-218	45	18	more	more	ADV
amfbr-218	45	19	comfortable	comfortable	ADJ
amfbr-218	45	20	with	with	ADP
amfbr-218	45	21	the	the	DET
amfbr-218	45	22	user	user	NOUN
amfbr-218	45	23	relationship	relationship	NOUN
amfbr-218	45	24	with	with	ADP
amfbr-218	45	25	the	the	DET
amfbr-218	45	26	face	face	NOUN
amfbr-218	45	27	-	-	PUNCT
amfbr-218	45	28	to	to	ADP
amfbr-218	45	29	-	-	PUNCT
amfbr-218	45	30	face	face	NOUN
amfbr-218	45	31	banking	banking	NOUN
amfbr-218	45	32	expert	expert	NOUN
amfbr-218	45	33	.	.	PUNCT
amfbr-218	46	1	therefore	therefore	ADV
amfbr-218	46	2	,	,	PUNCT
amfbr-218	46	3	users	user	NOUN
amfbr-218	46	4	who	who	PRON
amfbr-218	46	5	seek	seek	VERB
amfbr-218	46	6	social	social	ADJ
amfbr-218	46	7	benefits	benefit	NOUN
amfbr-218	46	8	and	and	CCONJ
amfbr-218	46	9	psychological	psychological	ADJ
amfbr-218	46	10	benefits	benefit	NOUN
amfbr-218	46	11	through	through	ADP
amfbr-218	46	12	their	their	PRON
amfbr-218	46	13	personal	personal	ADJ
amfbr-218	46	14	relationships	relationship	NOUN
amfbr-218	46	15	with	with	ADP
amfbr-218	46	16	the	the	DET
amfbr-218	46	17	banking	banking	NOUN
amfbr-218	46	18	community	community	NOUN
amfbr-218	46	19	prefer	prefer	VERB
amfbr-218	46	20	to	to	PART
amfbr-218	46	21	meet	meet	VERB
amfbr-218	46	22	face	face	NOUN
amfbr-218	46	23	-	-	PUNCT
amfbr-218	46	24	to	to	ADP
amfbr-218	46	25	-	-	PUNCT
amfbr-218	46	26	face	face	NOUN
amfbr-218	46	27	with	with	ADP
amfbr-218	46	28	banking	banking	NOUN
amfbr-218	46	29	experts	expert	NOUN
amfbr-218	46	30	.	.	PUNCT
amfbr-218	47	1	but	but	CCONJ
amfbr-218	47	2	some	some	DET
amfbr-218	47	3	users	user	NOUN
amfbr-218	47	4	are	be	AUX
amfbr-218	47	5	able	able	ADJ
amfbr-218	47	6	to	to	PART
amfbr-218	47	7	apply	apply	VERB
amfbr-218	47	8	internet	internet	NOUN
amfbr-218	47	9	banking	banking	NOUN
amfbr-218	47	10	as	as	ADP
amfbr-218	47	11	a	a	DET
amfbr-218	47	12	renewal	renewal	NOUN
amfbr-218	47	13	to	to	ADP
amfbr-218	47	14	the	the	DET
amfbr-218	47	15	banking	banking	NOUN
amfbr-218	47	16	method	method	NOUN
amfbr-218	47	17	.	.	PUNCT
amfbr-218	48	1	reynolds	reynolds	PROPN
amfbr-218	48	2	&	&	CCONJ
amfbr-218	48	3	betty	betty	PROPN
amfbr-218	48	4	(	(	PUNCT
amfbr-218	48	5	2000	2000	NUM
amfbr-218	48	6	)	)	PUNCT
amfbr-218	48	7	states	state	VERB
amfbr-218	48	8	that	that	SCONJ
amfbr-218	48	9	social	social	ADJ
amfbr-218	48	10	benefits	benefit	NOUN
amfbr-218	48	11	and	and	CCONJ
amfbr-218	48	12	functions	function	NOUN
amfbr-218	48	13	are	be	AUX
amfbr-218	48	14	acquired	acquire	VERB
amfbr-218	48	15	through	through	ADP
amfbr-218	48	16	personal	personal	ADJ
amfbr-218	48	17	relationships	relationship	NOUN
amfbr-218	48	18	with	with	ADP
amfbr-218	48	19	banking	banking	NOUN
amfbr-218	48	20	experts	expert	NOUN
amfbr-218	48	21	,	,	PUNCT
amfbr-218	48	22	while	while	SCONJ
amfbr-218	48	23	according	accord	VERB
amfbr-218	48	24	to	to	ADP
amfbr-218	48	25	some	some	DET
amfbr-218	48	26	other	other	ADJ
amfbr-218	48	27	research	research	NOUN
amfbr-218	48	28	,	,	PUNCT
amfbr-218	48	29	the	the	DET
amfbr-218	48	30	determination	determination	NOUN
amfbr-218	48	31	and	and	CCONJ
amfbr-218	48	32	assessment	assessment	NOUN
amfbr-218	48	33	of	of	ADP
amfbr-218	48	34	these	these	DET
amfbr-218	48	35	benefits	benefit	NOUN
amfbr-218	48	36	affects	affect	VERB
amfbr-218	48	37	the	the	DET
amfbr-218	48	38	user	user	NOUN
amfbr-218	48	39	's	's	PART
amfbr-218	48	40	satisfaction	satisfaction	NOUN
amfbr-218	48	41	and	and	CCONJ
amfbr-218	48	42	this	this	PRON
amfbr-218	48	43	is	be	AUX
amfbr-218	48	44	also	also	ADV
amfbr-218	48	45	an	an	DET
amfbr-218	48	46	important	important	ADJ
amfbr-218	48	47	factor	factor	NOUN
amfbr-218	48	48	in	in	ADP
amfbr-218	48	49	driving	drive	VERB
amfbr-218	48	50	users	user	NOUN
amfbr-218	48	51	and	and	CCONJ
amfbr-218	48	52	sees	see	VERB
amfbr-218	48	53	their	their	PRON
amfbr-218	48	54	ability	ability	NOUN
amfbr-218	48	55	to	to	PART
amfbr-218	48	56	apply	apply	VERB
amfbr-218	48	57	internet	internet	NOUN
amfbr-218	48	58	banking	banking	NOUN
amfbr-218	48	59	.	.	PUNCT
amfbr-218	49	1	according	accord	VERB
amfbr-218	49	2	to	to	ADP
amfbr-218	49	3	some	some	DET
amfbr-218	49	4	theorists	theorist	NOUN
amfbr-218	49	5	,	,	PUNCT
amfbr-218	49	6	consumer	consumer	NOUN
amfbr-218	49	7	satisfaction	satisfaction	NOUN
amfbr-218	49	8	has	have	VERB
amfbr-218	49	9	an	an	DET
amfbr-218	49	10	impact	impact	NOUN
amfbr-218	49	11	and	and	CCONJ
amfbr-218	49	12	impact	impact	NOUN
amfbr-218	49	13	on	on	ADP
amfbr-218	49	14	user	user	NOUN
amfbr-218	49	15	retrieval	retrieval	NOUN
amfbr-218	49	16	and	and	CCONJ
amfbr-218	49	17	acceptance	acceptance	NOUN
amfbr-218	49	18	rates	rate	NOUN
amfbr-218	49	19	on	on	ADP
amfbr-218	49	20	every	every	DET
amfbr-218	49	21	newly	newly	ADV
amfbr-218	49	22	introduced	introduce	VERB
amfbr-218	49	23	and	and	CCONJ
amfbr-218	49	24	innovative	innovative	ADJ
amfbr-218	49	25	tool	tool	NOUN
amfbr-218	49	26	such	such	ADJ
amfbr-218	49	27	as	as	ADP
amfbr-218	49	28	internet	internet	NOUN
amfbr-218	49	29	banking	banking	NOUN
amfbr-218	49	30	application	application	NOUN
amfbr-218	49	31	.	.	PUNCT
amfbr-218	50	1	according	accord	VERB
amfbr-218	50	2	to	to	ADP
amfbr-218	50	3	roger	roger	PROPN
amfbr-218	50	4	&	&	CCONJ
amfbr-218	50	5	shoemaker	shoemaker	PROPN
amfbr-218	50	6	(	(	PUNCT
amfbr-218	50	7	1971	1971	NUM
amfbr-218	50	8	)	)	PUNCT
amfbr-218	50	9	states	state	VERB
amfbr-218	50	10	that	that	SCONJ
amfbr-218	50	11	consumers	consumer	NOUN
amfbr-218	50	12	prefer	prefer	VERB
amfbr-218	50	13	to	to	PART
amfbr-218	50	14	collect	collect	VERB
amfbr-218	50	15	knowledge	knowledge	NOUN
amfbr-218	50	16	and	and	CCONJ
amfbr-218	50	17	information	information	NOUN
amfbr-218	50	18	about	about	ADP
amfbr-218	50	19	innovative	innovative	ADJ
amfbr-218	50	20	products	product	NOUN
amfbr-218	50	21	and	and	CCONJ
amfbr-218	50	22	services	service	NOUN
amfbr-218	50	23	such	such	ADJ
amfbr-218	50	24	as	as	ADP
amfbr-218	50	25	internet	internet	NOUN
amfbr-218	50	26	banking	banking	NOUN
amfbr-218	50	27	before	before	ADP
amfbr-218	50	28	using	use	VERB
amfbr-218	50	29	and	and	CCONJ
amfbr-218	50	30	adapting	adapt	VERB
amfbr-218	50	31	them	they	PRON
amfbr-218	50	32	.	.	PUNCT
amfbr-218	51	1	guiltinard	guiltinard	PROPN
amfbr-218	51	2	&	&	CCONJ
amfbr-218	51	3	donnelly	donnelly	PROPN
amfbr-218	51	4	(	(	PUNCT
amfbr-218	51	5	1983	1983	NUM
amfbr-218	51	6	)	)	PUNCT
amfbr-218	51	7	explains	explain	VERB
amfbr-218	51	8	the	the	DET
amfbr-218	51	9	importance	importance	NOUN
amfbr-218	51	10	of	of	ADP
amfbr-218	51	11	awareness	awareness	NOUN
amfbr-218	51	12	and	and	CCONJ
amfbr-218	51	13	knowledge	knowledge	NOUN
amfbr-218	51	14	related	relate	VERB
amfbr-218	51	15	to	to	ADP
amfbr-218	51	16	any	any	DET
amfbr-218	51	17	innovative	innovative	ADJ
amfbr-218	51	18	products	product	NOUN
amfbr-218	51	19	and	and	CCONJ
amfbr-218	51	20	services	service	NOUN
amfbr-218	51	21	before	before	ADP
amfbr-218	51	22	using	use	VERB
amfbr-218	51	23	and	and	CCONJ
amfbr-218	51	24	adapting	adapt	VERB
amfbr-218	51	25	them	they	PRON
amfbr-218	51	26	.	.	PUNCT
amfbr-218	52	1	doll	doll	PROPN
amfbr-218	52	2	,	,	PUNCT
amfbr-218	52	3	xia	xia	PROPN
amfbr-218	52	4	&	&	CCONJ
amfbr-218	52	5	torkzadeh	torkzadeh	PROPN
amfbr-218	52	6	(	(	PUNCT
amfbr-218	52	7	1999	1999	NUM
amfbr-218	52	8	)	)	PUNCT
amfbr-218	52	9	argues	argue	VERB
amfbr-218	52	10	that	that	SCONJ
amfbr-218	52	11	consumer	consumer	NOUN
amfbr-218	52	12	satisfaction	satisfaction	NOUN
amfbr-218	52	13	may	may	AUX
amfbr-218	52	14	be	be	AUX
amfbr-218	52	15	influenced	influence	VERB
amfbr-218	52	16	by	by	ADP
amfbr-218	52	17	the	the	DET
amfbr-218	52	18	nature	nature	NOUN
amfbr-218	52	19	and	and	CCONJ
amfbr-218	52	20	quality	quality	NOUN
amfbr-218	52	21	of	of	ADP
amfbr-218	52	22	information	information	NOUN
amfbr-218	52	23	about	about	ADP
amfbr-218	52	24	the	the	DET
amfbr-218	52	25	products	product	NOUN
amfbr-218	52	26	displayed	display	VERB
amfbr-218	52	27	on	on	ADP
amfbr-218	52	28	the	the	DET
amfbr-218	52	29	website	website	NOUN
amfbr-218	52	30	.	.	PUNCT
amfbr-218	53	1	according	accord	VERB
amfbr-218	53	2	to	to	ADP
amfbr-218	53	3	steward	steward	NOUN
amfbr-218	53	4	(	(	PUNCT
amfbr-218	53	5	1999	1999	NUM
amfbr-218	53	6	)	)	PUNCT
amfbr-218	53	7	,	,	PUNCT
amfbr-218	53	8	among	among	ADP
amfbr-218	53	9	the	the	DET
amfbr-218	53	10	failures	failure	NOUN
amfbr-218	53	11	in	in	ADP
amfbr-218	53	12	adapting	adapt	VERB
amfbr-218	53	13	internet	internet	NOUN
amfbr-218	53	14	banking	banking	NOUN
amfbr-218	53	15	is	be	AUX
amfbr-218	53	16	due	due	ADJ
amfbr-218	53	17	to	to	ADP
amfbr-218	53	18	the	the	DET
amfbr-218	53	19	lack	lack	NOUN
amfbr-218	53	20	of	of	ADP
amfbr-218	53	21	customer	customer	NOUN
amfbr-218	53	22	confidence	confidence	NOUN
amfbr-218	53	23	in	in	ADP
amfbr-218	53	24	internet	internet	NOUN
amfbr-218	53	25	banking	banking	NOUN
amfbr-218	53	26	.	.	PUNCT
amfbr-218	54	1	he	he	PRON
amfbr-218	54	2	thinks	think	VERB
amfbr-218	54	3	that	that	SCONJ
amfbr-218	54	4	consumer	consumer	NOUN
amfbr-218	54	5	confidence	confidence	NOUN
amfbr-218	54	6	and	and	CCONJ
amfbr-218	54	7	trust	trust	NOUN
amfbr-218	54	8	towards	towards	ADP
amfbr-218	54	9	internet	internet	NOUN
amfbr-218	54	10	banking	banking	NOUN
amfbr-218	54	11	depends	depend	VERB
amfbr-218	54	12	on	on	ADP
amfbr-218	54	13	the	the	DET
amfbr-218	54	14	professional	professional	ADJ
amfbr-218	54	15	attitude	attitude	NOUN
amfbr-218	54	16	and	and	CCONJ
amfbr-218	54	17	efficiency	efficiency	NOUN
amfbr-218	54	18	of	of	ADP
amfbr-218	54	19	banking	banking	NOUN
amfbr-218	54	20	experts	expert	NOUN
amfbr-218	54	21	.	.	PUNCT
amfbr-218	55	1	however	however	ADV
amfbr-218	55	2	,	,	PUNCT
amfbr-218	55	3	he	he	PRON
amfbr-218	55	4	advises	advise	VERB
amfbr-218	55	5	consumers	consumer	NOUN
amfbr-218	55	6	to	to	PART
amfbr-218	55	7	develop	develop	VERB
amfbr-218	55	8	new	new	ADJ
amfbr-218	55	9	skills	skill	NOUN
amfbr-218	55	10	and	and	CCONJ
amfbr-218	55	11	expertise	expertise	NOUN
amfbr-218	55	12	such	such	ADJ
amfbr-218	55	13	as	as	ADP
amfbr-218	55	14	internet	internet	NOUN
amfbr-218	55	15	banking	banking	NOUN
amfbr-218	55	16	to	to	PART
amfbr-218	55	17	enable	enable	VERB
amfbr-218	55	18	users	user	NOUN
amfbr-218	55	19	to	to	PART
amfbr-218	55	20	understand	understand	VERB
amfbr-218	55	21	and	and	CCONJ
amfbr-218	55	22	utilize	utilize	VERB
amfbr-218	55	23	and	and	CCONJ
amfbr-218	55	24	utilize	utilize	VERB
amfbr-218	55	25	the	the	DET
amfbr-218	55	26	latest	late	ADJ
amfbr-218	55	27	technological	technological	ADJ
amfbr-218	55	28	innovations	innovation	NOUN
amfbr-218	55	29	.	.	PUNCT
amfbr-218	56	1	according	accord	VERB
amfbr-218	56	2	to	to	ADP
amfbr-218	56	3	zaman	zaman	PROPN
amfbr-218	56	4	(	(	PUNCT
amfbr-218	56	5	2016	2016	NUM
amfbr-218	56	6	)	)	PUNCT
amfbr-218	56	7	states	state	VERB
amfbr-218	56	8	that	that	SCONJ
amfbr-218	56	9	research	research	NOUN
amfbr-218	56	10	has	have	AUX
amfbr-218	56	11	been	be	AUX
amfbr-218	56	12	conducted	conduct	VERB
amfbr-218	56	13	in	in	ADP
amfbr-218	56	14	china	china	PROPN
amfbr-218	56	15	related	relate	VERB
amfbr-218	56	16	to	to	ADP
amfbr-218	56	17	the	the	DET
amfbr-218	56	18	behavior	behavior	NOUN
amfbr-218	56	19	and	and	CCONJ
amfbr-218	56	20	attitude	attitude	NOUN
amfbr-218	56	21	of	of	ADP
amfbr-218	56	22	consumers	consumer	NOUN
amfbr-218	56	23	towards	towards	ADP
amfbr-218	56	24	internet	internet	NOUN
amfbr-218	56	25	banking	banking	NOUN
amfbr-218	56	26	.	.	PUNCT
amfbr-218	57	1	he	he	PRON
amfbr-218	57	2	concluded	conclude	VERB
amfbr-218	57	3	that	that	SCONJ
amfbr-218	57	4	there	there	PRON
amfbr-218	57	5	are	be	VERB
amfbr-218	57	6	several	several	ADJ
amfbr-218	57	7	factors	factor	NOUN
amfbr-218	57	8	that	that	PRON
amfbr-218	57	9	demonstrate	demonstrate	VERB
amfbr-218	57	10	consumer	consumer	NOUN
amfbr-218	57	11	attitudes	attitude	NOUN
amfbr-218	57	12	towards	towards	ADP
amfbr-218	57	13	internet	internet	NOUN
amfbr-218	57	14	banking	banking	NOUN
amfbr-218	57	15	including	include	VERB
amfbr-218	57	16	their	their	PRON
amfbr-218	57	17	perceptions	perception	NOUN
amfbr-218	57	18	of	of	ADP
amfbr-218	57	19	innovative	innovative	ADJ
amfbr-218	57	20	technology	technology	NOUN
amfbr-218	57	21	,	,	PUNCT
amfbr-218	57	22	attitudes	attitude	NOUN
amfbr-218	57	23	and	and	CCONJ
amfbr-218	57	24	motivation	motivation	NOUN
amfbr-218	57	25	towards	towards	ADP
amfbr-218	57	26	internet	internet	NOUN
amfbr-218	57	27	banking	banking	NOUN
amfbr-218	57	28	.	.	PUNCT
amfbr-218	58	1	the	the	DET
amfbr-218	58	2	study	study	NOUN
amfbr-218	58	3	found	find	VERB
amfbr-218	58	4	that	that	SCONJ
amfbr-218	58	5	knowledge	knowledge	NOUN
amfbr-218	58	6	and	and	CCONJ
amfbr-218	58	7	experience	experience	NOUN
amfbr-218	58	8	on	on	ADP
amfbr-218	58	9	relevant	relevant	ADJ
amfbr-218	58	10	technology	technology	NOUN
amfbr-218	58	11	had	have	VERB
amfbr-218	58	12	an	an	DET
amfbr-218	58	13	effective	effective	ADJ
amfbr-218	58	14	impact	impact	NOUN
amfbr-218	58	15	on	on	ADP
amfbr-218	58	16	the	the	DET
amfbr-218	58	17	behavior	behavior	NOUN
amfbr-218	58	18	and	and	CCONJ
amfbr-218	58	19	ability	ability	NOUN
amfbr-218	58	20	of	of	ADP
amfbr-218	58	21	users	user	NOUN
amfbr-218	58	22	of	of	ADP
amfbr-218	58	23	internet	internet	NOUN
amfbr-218	58	24	banking	banking	NOUN
amfbr-218	58	25	.	.	PUNCT
amfbr-218	59	1	according	accord	VERB
amfbr-218	59	2	to	to	ADP
amfbr-218	59	3	octavian	octavian	PROPN
amfbr-218	59	4	&	&	CCONJ
amfbr-218	59	5	daniela	daniela	PROPN
amfbr-218	59	6	(	(	PUNCT
amfbr-218	59	7	2006	2006	NUM
amfbr-218	59	8	)	)	PUNCT
amfbr-218	59	9	and	and	CCONJ
amfbr-218	59	10	omar	omar	PROPN
amfbr-218	59	11	(	(	PUNCT
amfbr-218	59	12	2011	2011	NUM
amfbr-218	59	13	)	)	PUNCT
amfbr-218	59	14	find	find	VERB
amfbr-218	59	15	that	that	SCONJ
amfbr-218	59	16	some	some	DET
amfbr-218	59	17	users	user	NOUN
amfbr-218	59	18	are	be	AUX
amfbr-218	59	19	unaware	unaware	ADJ
amfbr-218	59	20	of	of	ADP
amfbr-218	59	21	internet	internet	NOUN
amfbr-218	59	22	banking	banking	NOUN
amfbr-218	59	23	services	service	NOUN
amfbr-218	59	24	.	.	PUNCT
amfbr-218	60	1	however	however	ADV
amfbr-218	60	2	,	,	PUNCT
amfbr-218	60	3	banking	banking	NOUN
amfbr-218	60	4	users	user	NOUN
amfbr-218	60	5	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-218	60	6	american	american	PROPN
amfbr-218	60	7	finance	finance	PROPN
amfbr-218	60	8	&	&	CCONJ
amfbr-218	60	9	banking	banking	PROPN
amfbr-218	60	10	review	review	PROPN
amfbr-218	60	11	vol	vol	NOUN
amfbr-218	60	12	.	.	PROPN
amfbr-218	61	1	3	3	NUM
amfbr-218	61	2	,	,	PUNCT
amfbr-218	61	3	no	no	INTJ
amfbr-218	61	4	.	.	NOUN
amfbr-218	61	5	1	1	NUM
amfbr-218	61	6	;	;	PUNCT
amfbr-218	61	7	2018	2018	NUM
amfbr-218	61	8	37	37	NUM
amfbr-218	61	9	may	may	AUX
amfbr-218	61	10	use	use	VERB
amfbr-218	61	11	internet	internet	NOUN
amfbr-218	61	12	banking	banking	NOUN
amfbr-218	61	13	for	for	ADP
amfbr-218	61	14	the	the	DET
amfbr-218	61	15	willingness	willingness	NOUN
amfbr-218	61	16	to	to	PART
amfbr-218	61	17	accept	accept	VERB
amfbr-218	61	18	change	change	NOUN
amfbr-218	61	19	and	and	CCONJ
amfbr-218	61	20	innovation	innovation	NOUN
amfbr-218	61	21	and	and	CCONJ
amfbr-218	61	22	appreciate	appreciate	VERB
amfbr-218	61	23	what	what	PRON
amfbr-218	61	24	bank	bank	NOUN
amfbr-218	61	25	had	have	AUX
amfbr-218	61	26	given	give	VERB
amfbr-218	61	27	.	.	PUNCT
amfbr-218	62	1	4	4	X
amfbr-218	62	2	.	.	X
amfbr-218	62	3	demographics	demographic	NOUN
amfbr-218	62	4	impact	impact	NOUN
amfbr-218	62	5	on	on	ADP
amfbr-218	62	6	the	the	DET
amfbr-218	62	7	use	use	NOUN
amfbr-218	62	8	of	of	ADP
amfbr-218	62	9	internet	internet	NOUN
amfbr-218	62	10	banking	banking	NOUN
amfbr-218	62	11	users	user	NOUN
amfbr-218	62	12	’	'	PUNCT
amfbr-218	62	13	demographic	demographic	ADJ
amfbr-218	62	14	characters	character	NOUN
amfbr-218	62	15	are	be	AUX
amfbr-218	62	16	one	one	NUM
amfbr-218	62	17	thing	thing	NOUN
amfbr-218	62	18	that	that	PRON
amfbr-218	62	19	also	also	ADV
amfbr-218	62	20	plays	play	VERB
amfbr-218	62	21	an	an	DET
amfbr-218	62	22	important	important	ADJ
amfbr-218	62	23	role	role	NOUN
amfbr-218	62	24	in	in	ADP
amfbr-218	62	25	seeing	see	VERB
amfbr-218	62	26	factors	factor	NOUN
amfbr-218	62	27	that	that	PRON
amfbr-218	62	28	encourage	encourage	VERB
amfbr-218	62	29	users	user	NOUN
amfbr-218	62	30	to	to	PART
amfbr-218	62	31	adapt	adapt	VERB
amfbr-218	62	32	and	and	CCONJ
amfbr-218	62	33	use	use	VERB
amfbr-218	62	34	internet	internet	NOUN
amfbr-218	62	35	banking	banking	NOUN
amfbr-218	62	36	.	.	PUNCT
amfbr-218	63	1	according	accord	VERB
amfbr-218	63	2	to	to	ADP
amfbr-218	63	3	previous	previous	ADJ
amfbr-218	63	4	studies	study	NOUN
amfbr-218	63	5	,	,	PUNCT
amfbr-218	63	6	demographics	demographic	NOUN
amfbr-218	63	7	have	have	AUX
amfbr-218	63	8	impacted	impact	VERB
amfbr-218	63	9	the	the	DET
amfbr-218	63	10	use	use	NOUN
amfbr-218	63	11	of	of	ADP
amfbr-218	63	12	internet	internet	NOUN
amfbr-218	63	13	banking	banking	NOUN
amfbr-218	63	14	.	.	PUNCT
amfbr-218	64	1	according	accord	VERB
amfbr-218	64	2	to	to	ADP
amfbr-218	64	3	howcroft	howcroft	PROPN
amfbr-218	64	4	et.al	et.al	PROPN
amfbr-218	64	5	(	(	PUNCT
amfbr-218	64	6	2002	2002	NUM
amfbr-218	64	7	)	)	PUNCT
amfbr-218	64	8	,	,	PUNCT
amfbr-218	64	9	young	young	ADJ
amfbr-218	64	10	consumers	consumer	NOUN
amfbr-218	64	11	appreciate	appreciate	VERB
amfbr-218	64	12	the	the	DET
amfbr-218	64	13	convenience	convenience	NOUN
amfbr-218	64	14	and	and	CCONJ
amfbr-218	64	15	time	time	NOUN
amfbr-218	64	16	that	that	PRON
amfbr-218	64	17	saves	save	VERB
amfbr-218	64	18	the	the	DET
amfbr-218	64	19	potential	potential	NOUN
amfbr-218	64	20	of	of	ADP
amfbr-218	64	21	online	online	ADJ
amfbr-218	64	22	banking	banking	NOUN
amfbr-218	64	23	and	and	CCONJ
amfbr-218	64	24	mobile	mobile	ADJ
amfbr-218	64	25	banking	banking	NOUN
amfbr-218	64	26	over	over	ADP
amfbr-218	64	27	older	old	ADJ
amfbr-218	64	28	users	user	NOUN
amfbr-218	64	29	.	.	PUNCT
amfbr-218	65	1	he	he	PRON
amfbr-218	65	2	argues	argue	VERB
amfbr-218	65	3	that	that	SCONJ
amfbr-218	65	4	the	the	DET
amfbr-218	65	5	level	level	NOUN
amfbr-218	65	6	of	of	ADP
amfbr-218	65	7	respondents	respondent	NOUN
amfbr-218	65	8	'	'	PART
amfbr-218	65	9	education	education	NOUN
amfbr-218	65	10	does	do	AUX
amfbr-218	65	11	not	not	PART
amfbr-218	65	12	affect	affect	VERB
amfbr-218	65	13	the	the	DET
amfbr-218	65	14	use	use	NOUN
amfbr-218	65	15	of	of	ADP
amfbr-218	65	16	internet	internet	NOUN
amfbr-218	65	17	banking	banking	NOUN
amfbr-218	65	18	.	.	PUNCT
amfbr-218	66	1	laukkanen	laukkanen	PROPN
amfbr-218	66	2	(	(	PUNCT
amfbr-218	66	3	2012	2012	NUM
amfbr-218	66	4	)	)	PUNCT
amfbr-218	66	5	,	,	PUNCT
amfbr-218	66	6	capgemini	capgemini	X
amfbr-218	66	7	(	(	PUNCT
amfbr-218	66	8	2013	2013	NUM
amfbr-218	66	9	)	)	PUNCT
amfbr-218	66	10	,	,	PUNCT
amfbr-218	66	11	goh	goh	PROPN
amfbr-218	66	12	et.al	et.al	PROPN
amfbr-218	66	13	(	(	PUNCT
amfbr-218	66	14	2014	2014	NUM
amfbr-218	66	15	)	)	PUNCT
amfbr-218	66	16	found	find	VERB
amfbr-218	66	17	that	that	SCONJ
amfbr-218	66	18	younger	young	ADJ
amfbr-218	66	19	,	,	PUNCT
amfbr-218	66	20	smarter	smart	ADJ
amfbr-218	66	21	users	user	NOUN
amfbr-218	66	22	of	of	ADP
amfbr-218	66	23	technology	technology	NOUN
amfbr-218	66	24	placed	place	VERB
amfbr-218	66	25	higher	high	ADJ
amfbr-218	66	26	importance	importance	NOUN
amfbr-218	66	27	on	on	ADP
amfbr-218	66	28	internet	internet	NOUN
amfbr-218	66	29	banking	banking	NOUN
amfbr-218	66	30	than	than	ADP
amfbr-218	66	31	traditional	traditional	ADJ
amfbr-218	66	32	banking	banking	NOUN
amfbr-218	66	33	conducted	conduct	VERB
amfbr-218	66	34	face	face	NOUN
amfbr-218	66	35	-	-	PUNCT
amfbr-218	66	36	to	to	ADP
amfbr-218	66	37	-	-	PUNCT
amfbr-218	66	38	face	face	NOUN
amfbr-218	66	39	with	with	ADP
amfbr-218	66	40	banking	banking	NOUN
amfbr-218	66	41	experts	expert	NOUN
amfbr-218	66	42	.	.	PUNCT
amfbr-218	67	1	karjaluoto	karjaluoto	PROPN
amfbr-218	67	2	et.al	et.al	PROPN
amfbr-218	67	3	(	(	PUNCT
amfbr-218	67	4	2002	2002	NUM
amfbr-218	67	5	)	)	PUNCT
amfbr-218	67	6	found	find	VERB
amfbr-218	67	7	that	that	SCONJ
amfbr-218	67	8	internet	internet	NOUN
amfbr-218	67	9	banking	banking	NOUN
amfbr-218	67	10	user	user	NOUN
amfbr-218	67	11	criteria	criterion	NOUN
amfbr-218	67	12	in	in	ADP
amfbr-218	67	13	the	the	DET
amfbr-218	67	14	finland	finland	NOUN
amfbr-218	67	15	market	market	NOUN
amfbr-218	67	16	is	be	AUX
amfbr-218	67	17	educated	educate	VERB
amfbr-218	67	18	,	,	PUNCT
amfbr-218	67	19	rich	rich	ADJ
amfbr-218	67	20	and	and	CCONJ
amfbr-218	67	21	young	young	ADJ
amfbr-218	67	22	people	people	NOUN
amfbr-218	67	23	and	and	CCONJ
amfbr-218	67	24	has	have	VERB
amfbr-218	67	25	good	good	ADJ
amfbr-218	67	26	knowledge	knowledge	NOUN
amfbr-218	67	27	of	of	ADP
amfbr-218	67	28	computers	computer	NOUN
amfbr-218	67	29	,	,	PUNCT
amfbr-218	67	30	especially	especially	ADV
amfbr-218	67	31	the	the	DET
amfbr-218	67	32	internet	internet	NOUN
amfbr-218	67	33	.	.	PUNCT
amfbr-218	68	1	xiaoyan	xiaoyan	PROPN
amfbr-218	68	2	(	(	PUNCT
amfbr-218	68	3	2005	2005	NUM
amfbr-218	68	4	)	)	PUNCT
amfbr-218	68	5	found	find	VERB
amfbr-218	68	6	that	that	SCONJ
amfbr-218	68	7	the	the	DET
amfbr-218	68	8	majority	majority	NOUN
amfbr-218	68	9	of	of	ADP
amfbr-218	68	10	internet	internet	NOUN
amfbr-218	68	11	banking	banking	NOUN
amfbr-218	68	12	users	user	NOUN
amfbr-218	68	13	in	in	ADP
amfbr-218	68	14	china	china	PROPN
amfbr-218	68	15	is	be	AUX
amfbr-218	68	16	from	from	ADP
amfbr-218	68	17	men	man	NOUN
amfbr-218	68	18	aged	age	VERB
amfbr-218	68	19	up	up	ADP
amfbr-218	68	20	to	to	PART
amfbr-218	68	21	44	44	NUM
amfbr-218	68	22	years	year	NOUN
amfbr-218	68	23	old	old	ADJ
amfbr-218	68	24	and	and	CCONJ
amfbr-218	68	25	categorized	categorize	VERB
amfbr-218	68	26	from	from	ADP
amfbr-218	68	27	high	high	ADJ
amfbr-218	68	28	-	-	PUNCT
amfbr-218	68	29	income	income	NOUN
amfbr-218	68	30	groups	group	NOUN
amfbr-218	68	31	.	.	PUNCT
amfbr-218	69	1	he	he	PRON
amfbr-218	69	2	argues	argue	VERB
amfbr-218	69	3	that	that	SCONJ
amfbr-218	69	4	the	the	DET
amfbr-218	69	5	level	level	NOUN
amfbr-218	69	6	of	of	ADP
amfbr-218	69	7	respondents	respondent	NOUN
amfbr-218	69	8	'	'	PART
amfbr-218	69	9	education	education	NOUN
amfbr-218	69	10	does	do	AUX
amfbr-218	69	11	not	not	PART
amfbr-218	69	12	affect	affect	VERB
amfbr-218	69	13	the	the	DET
amfbr-218	69	14	use	use	NOUN
amfbr-218	69	15	of	of	ADP
amfbr-218	69	16	internet	internet	NOUN
amfbr-218	69	17	banking	banking	NOUN
amfbr-218	69	18	in	in	ADP
amfbr-218	69	19	china	china	PROPN
amfbr-218	69	20	.	.	PUNCT
amfbr-218	70	1	according	accord	VERB
amfbr-218	70	2	to	to	ADP
amfbr-218	70	3	crabble	crabble	PROPN
amfbr-218	70	4	et.al	et.al	PROPN
amfbr-218	70	5	(	(	PUNCT
amfbr-218	70	6	2009	2009	NUM
amfbr-218	70	7	)	)	PUNCT
amfbr-218	70	8	,	,	PUNCT
amfbr-218	70	9	demographic	demographic	ADJ
amfbr-218	70	10	factors	factor	NOUN
amfbr-218	70	11	play	play	VERB
amfbr-218	70	12	an	an	DET
amfbr-218	70	13	important	important	ADJ
amfbr-218	70	14	role	role	NOUN
amfbr-218	70	15	in	in	ADP
amfbr-218	70	16	making	make	VERB
amfbr-218	70	17	decisions	decision	NOUN
amfbr-218	70	18	on	on	ADP
amfbr-218	70	19	internet	internet	NOUN
amfbr-218	70	20	banking	banking	NOUN
amfbr-218	70	21	adaptation	adaptation	NOUN
amfbr-218	70	22	.	.	PUNCT
amfbr-218	71	1	they	they	PRON
amfbr-218	71	2	point	point	VERB
amfbr-218	71	3	out	out	ADP
amfbr-218	71	4	that	that	SCONJ
amfbr-218	71	5	social	social	ADJ
amfbr-218	71	6	and	and	CCONJ
amfbr-218	71	7	cultural	cultural	ADJ
amfbr-218	71	8	factors	factor	NOUN
amfbr-218	71	9	such	such	ADJ
amfbr-218	71	10	as	as	ADP
amfbr-218	71	11	credibility	credibility	NOUN
amfbr-218	71	12	,	,	PUNCT
amfbr-218	71	13	elitism	elitism	NOUN
amfbr-218	71	14	and	and	CCONJ
amfbr-218	71	15	demographic	demographic	ADJ
amfbr-218	71	16	factors	factor	NOUN
amfbr-218	71	17	are	be	AUX
amfbr-218	71	18	factors	factor	NOUN
amfbr-218	71	19	that	that	PRON
amfbr-218	71	20	affect	affect	VERB
amfbr-218	71	21	individuals	individual	NOUN
amfbr-218	71	22	who	who	PRON
amfbr-218	71	23	make	make	VERB
amfbr-218	71	24	decisions	decision	NOUN
amfbr-218	71	25	on	on	ADP
amfbr-218	71	26	the	the	DET
amfbr-218	71	27	use	use	NOUN
amfbr-218	71	28	of	of	ADP
amfbr-218	71	29	internet	internet	NOUN
amfbr-218	71	30	banking	banking	NOUN
amfbr-218	71	31	in	in	ADP
amfbr-218	71	32	ghana	ghana	PROPN
amfbr-218	71	33	.	.	PUNCT
amfbr-218	72	1	davis	davis	PROPN
amfbr-218	72	2	(	(	PUNCT
amfbr-218	72	3	1989	1989	NUM
amfbr-218	72	4	)	)	PUNCT
amfbr-218	72	5	;	;	PUNCT
amfbr-218	72	6	venkatesh	venkatesh	PROPN
amfbr-218	72	7	&	&	CCONJ
amfbr-218	72	8	davis	davis	PROPN
amfbr-218	72	9	(	(	PUNCT
amfbr-218	72	10	1996	1996	NUM
amfbr-218	72	11	)	)	PUNCT
amfbr-218	72	12	;	;	PUNCT
amfbr-218	72	13	vainio	vainio	NOUN
amfbr-218	72	14	(	(	PUNCT
amfbr-218	72	15	2006	2006	NUM
amfbr-218	72	16	)	)	PUNCT
amfbr-218	72	17	states	state	VERB
amfbr-218	72	18	that	that	SCONJ
amfbr-218	72	19	respondents	respondent	NOUN
amfbr-218	72	20	who	who	PRON
amfbr-218	72	21	are	be	AUX
amfbr-218	72	22	influenced	influence	VERB
amfbr-218	72	23	by	by	ADP
amfbr-218	72	24	facilitation	facilitation	NOUN
amfbr-218	72	25	do	do	AUX
amfbr-218	72	26	not	not	PART
amfbr-218	72	27	need	need	VERB
amfbr-218	72	28	much	much	ADJ
amfbr-218	72	29	knowledge	knowledge	NOUN
amfbr-218	72	30	.	.	PUNCT
amfbr-218	73	1	mobarek	mobarek	NOUN
amfbr-218	73	2	(	(	PUNCT
amfbr-218	73	3	2007	2007	NUM
amfbr-218	73	4	)	)	PUNCT
amfbr-218	73	5	states	state	VERB
amfbr-218	73	6	that	that	SCONJ
amfbr-218	73	7	internet	internet	NOUN
amfbr-218	73	8	banking	banking	NOUN
amfbr-218	73	9	is	be	AUX
amfbr-218	73	10	more	more	ADV
amfbr-218	73	11	popular	popular	ADJ
amfbr-218	73	12	and	and	CCONJ
amfbr-218	73	13	chosen	choose	VERB
amfbr-218	73	14	by	by	ADP
amfbr-218	73	15	young	young	ADJ
amfbr-218	73	16	people	people	NOUN
amfbr-218	73	17	.	.	PUNCT
amfbr-218	74	1	however	however	ADV
amfbr-218	74	2	,	,	PUNCT
amfbr-218	74	3	polasik	polasik	PROPN
amfbr-218	74	4	&	&	CCONJ
amfbr-218	74	5	wisniewski	wisniewski	PROPN
amfbr-218	74	6	(	(	PUNCT
amfbr-218	74	7	2008	2008	NUM
amfbr-218	74	8	)	)	PUNCT
amfbr-218	74	9	emphasizes	emphasize	VERB
amfbr-218	74	10	that	that	SCONJ
amfbr-218	74	11	parents	parent	NOUN
amfbr-218	74	12	aged	age	VERB
amfbr-218	74	13	65	65	NUM
amfbr-218	74	14	and	and	CCONJ
amfbr-218	74	15	above	above	ADV
amfbr-218	74	16	are	be	AUX
amfbr-218	74	17	not	not	PART
amfbr-218	74	18	interested	interested	ADJ
amfbr-218	74	19	and	and	CCONJ
amfbr-218	74	20	refuse	refuse	VERB
amfbr-218	74	21	to	to	PART
amfbr-218	74	22	accept	accept	VERB
amfbr-218	74	23	internet	internet	NOUN
amfbr-218	74	24	banking	banking	NOUN
amfbr-218	74	25	.	.	PUNCT
amfbr-218	75	1	the	the	DET
amfbr-218	75	2	results	result	NOUN
amfbr-218	75	3	of	of	ADP
amfbr-218	75	4	the	the	DET
amfbr-218	75	5	analysis	analysis	NOUN
amfbr-218	75	6	have	have	AUX
amfbr-218	75	7	shown	show	VERB
amfbr-218	75	8	that	that	SCONJ
amfbr-218	75	9	some	some	PRON
amfbr-218	75	10	of	of	ADP
amfbr-218	75	11	the	the	DET
amfbr-218	75	12	surveys	survey	NOUN
amfbr-218	75	13	described	describe	VERB
amfbr-218	75	14	by	by	ADP
amfbr-218	75	15	teo	teo	PROPN
amfbr-218	75	16	et.al	et.al	PROPN
amfbr-218	75	17	(	(	PUNCT
amfbr-218	75	18	2011	2011	NUM
amfbr-218	75	19	)	)	PUNCT
amfbr-218	75	20	reveal	reveal	VERB
amfbr-218	75	21	that	that	SCONJ
amfbr-218	75	22	demographics	demographic	NOUN
amfbr-218	75	23	and	and	CCONJ
amfbr-218	75	24	psychographics	psychographic	NOUN
amfbr-218	75	25	affect	affect	VERB
amfbr-218	75	26	users	user	NOUN
amfbr-218	75	27	to	to	ADP
amfbr-218	75	28	the	the	DET
amfbr-218	75	29	use	use	NOUN
amfbr-218	75	30	of	of	ADP
amfbr-218	75	31	technology	technology	NOUN
amfbr-218	75	32	as	as	ADP
amfbr-218	75	33	new	new	ADJ
amfbr-218	75	34	innovations	innovation	NOUN
amfbr-218	75	35	such	such	ADJ
amfbr-218	75	36	as	as	ADP
amfbr-218	75	37	internet	internet	NOUN
amfbr-218	75	38	banking	banking	NOUN
amfbr-218	75	39	applications	application	NOUN
amfbr-218	75	40	.	.	PUNCT
amfbr-218	76	1	in	in	ADP
amfbr-218	76	2	addition	addition	NOUN
amfbr-218	76	3	,	,	PUNCT
amfbr-218	76	4	analysis	analysis	NOUN
amfbr-218	76	5	is	be	AUX
amfbr-218	76	6	conducted	conduct	VERB
amfbr-218	76	7	on	on	ADP
amfbr-218	76	8	demographic	demographic	ADJ
amfbr-218	76	9	effects	effect	NOUN
amfbr-218	76	10	in	in	ADP
amfbr-218	76	11	the	the	DET
amfbr-218	76	12	use	use	NOUN
amfbr-218	76	13	of	of	ADP
amfbr-218	76	14	internet	internet	NOUN
amfbr-218	76	15	banking	banking	NOUN
amfbr-218	76	16	.	.	PUNCT
amfbr-218	77	1	teo	teo	PROPN
amfbr-218	77	2	et.al	et.al	PROPN
amfbr-218	77	3	(	(	PUNCT
amfbr-218	77	4	2012	2012	NUM
amfbr-218	77	5	)	)	PUNCT
amfbr-218	77	6	also	also	ADV
amfbr-218	77	7	addresses	address	VERB
amfbr-218	77	8	demographic	demographic	ADJ
amfbr-218	77	9	factors	factor	NOUN
amfbr-218	77	10	and	and	CCONJ
amfbr-218	77	11	subjective	subjective	ADJ
amfbr-218	77	12	norms	norm	NOUN
amfbr-218	77	13	with	with	ADP
amfbr-218	77	14	technology	technology	NOUN
amfbr-218	77	15	adoption	adoption	NOUN
amfbr-218	77	16	model	model	NOUN
amfbr-218	77	17	(	(	PUNCT
amfbr-218	77	18	technology	technology	NOUN
amfbr-218	77	19	acceptance	acceptance	NOUN
amfbr-218	77	20	model	model	NOUN
amfbr-218	77	21	)	)	PUNCT
amfbr-218	77	22	founded	found	VERB
amfbr-218	77	23	by	by	ADP
amfbr-218	77	24	fred	fred	PROPN
amfbr-218	77	25	davis	davis	PROPN
amfbr-218	77	26	in	in	ADP
amfbr-218	77	27	1989	1989	NUM
amfbr-218	77	28	to	to	PART
amfbr-218	77	29	assess	assess	VERB
amfbr-218	77	30	the	the	DET
amfbr-218	77	31	level	level	NOUN
amfbr-218	77	32	of	of	ADP
amfbr-218	77	33	adaptation	adaptation	NOUN
amfbr-218	77	34	of	of	ADP
amfbr-218	77	35	internet	internet	NOUN
amfbr-218	77	36	banking	banking	NOUN
amfbr-218	77	37	usage	usage	NOUN
amfbr-218	77	38	in	in	ADP
amfbr-218	77	39	malaysia	malaysia	PROPN
amfbr-218	77	40	and	and	CCONJ
amfbr-218	77	41	proved	prove	VERB
amfbr-218	77	42	that	that	SCONJ
amfbr-218	77	43	the	the	DET
amfbr-218	77	44	model	model	NOUN
amfbr-218	77	45	exists	exist	VERB
amfbr-218	77	46	relates	relate	VERB
amfbr-218	77	47	to	to	ADP
amfbr-218	77	48	the	the	DET
amfbr-218	77	49	adaptation	adaptation	NOUN
amfbr-218	77	50	of	of	ADP
amfbr-218	77	51	the	the	DET
amfbr-218	77	52	use	use	NOUN
amfbr-218	77	53	of	of	ADP
amfbr-218	77	54	internet	internet	NOUN
amfbr-218	77	55	banking	banking	NOUN
amfbr-218	77	56	in	in	ADP
amfbr-218	77	57	malaysia	malaysia	PROPN
amfbr-218	77	58	.	.	PUNCT
amfbr-218	78	1	goswani	goswani	PROPN
amfbr-218	78	2	(	(	PUNCT
amfbr-218	78	3	2009	2009	NUM
amfbr-218	78	4	)	)	PUNCT
amfbr-218	78	5	states	state	VERB
amfbr-218	78	6	that	that	SCONJ
amfbr-218	78	7	university	university	NOUN
amfbr-218	78	8	students	student	NOUN
amfbr-218	78	9	acquiring	acquire	VERB
amfbr-218	78	10	and	and	CCONJ
amfbr-218	78	11	using	use	VERB
amfbr-218	78	12	sophisticated	sophisticated	ADJ
amfbr-218	78	13	cell	cell	NOUN
amfbr-218	78	14	phone	phone	NOUN
amfbr-218	78	15	equipment	equipment	NOUN
amfbr-218	78	16	proved	prove	VERB
amfbr-218	78	17	to	to	PART
amfbr-218	78	18	be	be	AUX
amfbr-218	78	19	very	very	ADV
amfbr-218	78	20	interested	interested	ADJ
amfbr-218	78	21	in	in	ADP
amfbr-218	78	22	innovative	innovative	ADJ
amfbr-218	78	23	use	use	NOUN
amfbr-218	78	24	such	such	ADJ
amfbr-218	78	25	as	as	ADP
amfbr-218	78	26	internet	internet	NOUN
amfbr-218	78	27	banking	banking	NOUN
amfbr-218	78	28	used	use	VERB
amfbr-218	78	29	by	by	ADP
amfbr-218	78	30	mobile	mobile	ADJ
amfbr-218	78	31	phones	phone	NOUN
amfbr-218	78	32	.	.	PUNCT
amfbr-218	79	1	similarly	similarly	ADV
amfbr-218	79	2	,	,	PUNCT
amfbr-218	79	3	reports	report	NOUN
amfbr-218	79	4	from	from	ADP
amfbr-218	79	5	kpmg	kpmg	PROPN
amfbr-218	79	6	(	(	PUNCT
amfbr-218	79	7	2009	2009	NUM
amfbr-218	79	8	)	)	PUNCT
amfbr-218	79	9	show	show	VERB
amfbr-218	79	10	that	that	SCONJ
amfbr-218	79	11	users	user	NOUN
amfbr-218	79	12	aged	age	VERB
amfbr-218	79	13	16	16	NUM
amfbr-218	79	14	-	-	SYM
amfbr-218	79	15	34	34	NUM
amfbr-218	79	16	are	be	AUX
amfbr-218	79	17	the	the	DET
amfbr-218	79	18	most	most	ADV
amfbr-218	79	19	comfortable	comfortable	ADJ
amfbr-218	79	20	age	age	NOUN
amfbr-218	79	21	categories	category	NOUN
amfbr-218	79	22	of	of	ADP
amfbr-218	79	23	internet	internet	NOUN
amfbr-218	79	24	banking	banking	NOUN
amfbr-218	79	25	especially	especially	ADV
amfbr-218	79	26	through	through	ADP
amfbr-218	79	27	mobile	mobile	ADJ
amfbr-218	79	28	phones	phone	NOUN
amfbr-218	79	29	for	for	ADP
amfbr-218	79	30	financial	financial	ADJ
amfbr-218	79	31	transactions	transaction	NOUN
amfbr-218	79	32	and	and	CCONJ
amfbr-218	79	33	others	other	NOUN
amfbr-218	79	34	while	while	SCONJ
amfbr-218	79	35	the	the	DET
amfbr-218	79	36	65	65	NUM
amfbr-218	79	37	-	-	PUNCT
amfbr-218	79	38	year	year	NOUN
amfbr-218	79	39	-	-	PUNCT
amfbr-218	79	40	old	old	ADJ
amfbr-218	79	41	respondents	respondent	NOUN
amfbr-218	79	42	demographic	demographic	ADJ
amfbr-218	79	43	proves	prove	VERB
amfbr-218	79	44	that	that	SCONJ
amfbr-218	79	45	they	they	PRON
amfbr-218	79	46	are	be	AUX
amfbr-218	79	47	very	very	ADV
amfbr-218	79	48	uncomfortable	uncomfortable	ADJ
amfbr-218	79	49	with	with	ADP
amfbr-218	79	50	the	the	DET
amfbr-218	79	51	use	use	NOUN
amfbr-218	79	52	of	of	ADP
amfbr-218	79	53	internet	internet	NOUN
amfbr-218	79	54	banking	banking	NOUN
amfbr-218	79	55	.	.	PUNCT
amfbr-218	80	1	5	5	X
amfbr-218	80	2	.	.	X
amfbr-218	80	3	factor	factor	NOUN
amfbr-218	80	4	that	that	PRON
amfbr-218	80	5	influence	influence	VERB
amfbr-218	80	6	the	the	DET
amfbr-218	80	7	adoption	adoption	NOUN
amfbr-218	80	8	of	of	ADP
amfbr-218	80	9	internet	internet	NOUN
amfbr-218	80	10	banking	banking	NOUN
amfbr-218	80	11	jahangir	jahangir	PROPN
amfbr-218	80	12	&	&	CCONJ
amfbr-218	80	13	begum	begum	PROPN
amfbr-218	80	14	(	(	PUNCT
amfbr-218	80	15	2008	2008	NUM
amfbr-218	80	16	)	)	PUNCT
amfbr-218	80	17	states	state	VERB
amfbr-218	80	18	that	that	SCONJ
amfbr-218	80	19	there	there	PRON
amfbr-218	80	20	are	be	VERB
amfbr-218	80	21	four	four	NUM
amfbr-218	80	22	identified	identify	VERB
amfbr-218	80	23	factors	factor	NOUN
amfbr-218	80	24	that	that	PRON
amfbr-218	80	25	have	have	AUX
amfbr-218	80	26	influenced	influence	VERB
amfbr-218	80	27	users	user	NOUN
amfbr-218	80	28	in	in	ADP
amfbr-218	80	29	applying	apply	VERB
amfbr-218	80	30	internet	internet	NOUN
amfbr-218	80	31	banking	banking	NOUN
amfbr-218	80	32	in	in	ADP
amfbr-218	80	33	bangladesh	bangladesh	PROPN
amfbr-218	80	34	.	.	PUNCT
amfbr-218	81	1	these	these	DET
amfbr-218	81	2	factors	factor	NOUN
amfbr-218	81	3	include	include	VERB
amfbr-218	81	4	the	the	DET
amfbr-218	81	5	perceived	perceive	VERB
amfbr-218	81	6	usefulness	usefulness	NOUN
amfbr-218	81	7	,	,	PUNCT
amfbr-218	81	8	perceived	perceive	VERB
amfbr-218	81	9	ease	ease	NOUN
amfbr-218	81	10	of	of	ADP
amfbr-218	81	11	use	use	NOUN
amfbr-218	81	12	,	,	PUNCT
amfbr-218	81	13	privacy	privacy	NOUN
amfbr-218	81	14	&	&	CCONJ
amfbr-218	81	15	safety	safety	PROPN
amfbr-218	81	16	and	and	CCONJ
amfbr-218	81	17	individual	individual	ADJ
amfbr-218	81	18	characteristics	characteristic	NOUN
amfbr-218	81	19	which	which	PRON
amfbr-218	81	20	have	have	AUX
amfbr-218	81	21	significantly	significantly	ADV
amfbr-218	81	22	contributed	contribute	VERB
amfbr-218	81	23	to	to	ADP
amfbr-218	81	24	the	the	DET
amfbr-218	81	25	user	user	NOUN
amfbr-218	81	26	's	's	PART
amfbr-218	81	27	use	use	NOUN
amfbr-218	81	28	of	of	ADP
amfbr-218	81	29	internet	internet	NOUN
amfbr-218	81	30	banking	banking	NOUN
amfbr-218	81	31	.	.	PUNCT
amfbr-218	82	1	according	accord	VERB
amfbr-218	82	2	to	to	ADP
amfbr-218	82	3	polatoglu	polatoglu	PROPN
amfbr-218	82	4	&	&	CCONJ
amfbr-218	82	5	ekin	ekin	PROPN
amfbr-218	82	6	(	(	PUNCT
amfbr-218	82	7	2001	2001	NUM
amfbr-218	82	8	)	)	PUNCT
amfbr-218	82	9	find	find	VERB
amfbr-218	82	10	that	that	SCONJ
amfbr-218	82	11	relative	relative	ADJ
amfbr-218	82	12	advantages	advantage	NOUN
amfbr-218	82	13	,	,	PUNCT
amfbr-218	82	14	perceived	perceive	VERB
amfbr-218	82	15	risk	risk	NOUN
amfbr-218	82	16	and	and	CCONJ
amfbr-218	82	17	trialability	trialability	NOUN
amfbr-218	82	18	where	where	SCONJ
amfbr-218	82	19	customer	customer	NOUN
amfbr-218	82	20	want	want	VERB
amfbr-218	82	21	to	to	PART
amfbr-218	82	22	try	try	VERB
amfbr-218	82	23	a	a	DET
amfbr-218	82	24	new	new	ADJ
amfbr-218	82	25	services	service	NOUN
amfbr-218	82	26	from	from	ADP
amfbr-218	82	27	the	the	DET
amfbr-218	82	28	banks	bank	NOUN
amfbr-218	82	29	are	be	AUX
amfbr-218	82	30	factors	factor	NOUN
amfbr-218	82	31	that	that	PRON
amfbr-218	82	32	have	have	AUX
amfbr-218	82	33	influenced	influence	VERB
amfbr-218	82	34	the	the	DET
amfbr-218	82	35	spread	spread	NOUN
amfbr-218	82	36	and	and	CCONJ
amfbr-218	82	37	use	use	NOUN
amfbr-218	82	38	of	of	ADP
amfbr-218	82	39	internet	internet	NOUN
amfbr-218	82	40	banking	banking	NOUN
amfbr-218	82	41	in	in	ADP
amfbr-218	82	42	turkey	turkey	PROPN
amfbr-218	82	43	.	.	PUNCT
amfbr-218	83	1	the	the	DET
amfbr-218	83	2	researcher	researcher	NOUN
amfbr-218	83	3	also	also	ADV
amfbr-218	83	4	concludes	conclude	VERB
amfbr-218	83	5	that	that	SCONJ
amfbr-218	83	6	users	user	NOUN
amfbr-218	83	7	using	use	VERB
amfbr-218	83	8	internet	internet	NOUN
amfbr-218	83	9	banking	banking	NOUN
amfbr-218	83	10	find	find	VERB
amfbr-218	83	11	that	that	SCONJ
amfbr-218	83	12	the	the	DET
amfbr-218	83	13	banking	banking	NOUN
amfbr-218	83	14	is	be	AUX
amfbr-218	83	15	very	very	ADV
amfbr-218	83	16	helpful	helpful	ADJ
amfbr-218	83	17	and	and	CCONJ
amfbr-218	83	18	facilitates	facilitate	VERB
amfbr-218	83	19	users	user	NOUN
amfbr-218	83	20	in	in	ADP
amfbr-218	83	21	conducting	conduct	VERB
amfbr-218	83	22	banking	banking	NOUN
amfbr-218	83	23	transactions	transaction	NOUN
amfbr-218	83	24	.	.	PUNCT
amfbr-218	84	1	according	accord	VERB
amfbr-218	84	2	to	to	ADP
amfbr-218	84	3	yousafzai	yousafzai	PROPN
amfbr-218	84	4	(	(	PUNCT
amfbr-218	84	5	2005	2005	NUM
amfbr-218	84	6	)	)	PUNCT
amfbr-218	84	7	states	state	VERB
amfbr-218	84	8	that	that	SCONJ
amfbr-218	84	9	there	there	PRON
amfbr-218	84	10	are	be	VERB
amfbr-218	84	11	many	many	ADJ
amfbr-218	84	12	factors	factor	NOUN
amfbr-218	84	13	that	that	PRON
amfbr-218	84	14	have	have	AUX
amfbr-218	84	15	influenced	influence	VERB
amfbr-218	84	16	users	user	NOUN
amfbr-218	84	17	in	in	ADP
amfbr-218	84	18	adapting	adapt	VERB
amfbr-218	84	19	the	the	DET
amfbr-218	84	20	use	use	NOUN
amfbr-218	84	21	of	of	ADP
amfbr-218	84	22	internet	internet	NOUN
amfbr-218	84	23	banking	banking	NOUN
amfbr-218	84	24	.	.	PUNCT
amfbr-218	85	1	among	among	ADP
amfbr-218	85	2	the	the	DET
amfbr-218	85	3	factors	factor	NOUN
amfbr-218	85	4	that	that	PRON
amfbr-218	85	5	have	have	AUX
amfbr-218	85	6	prompted	prompt	VERB
amfbr-218	85	7	users	user	NOUN
amfbr-218	85	8	to	to	PART
amfbr-218	85	9	adopt	adopt	VERB
amfbr-218	85	10	internet	internet	NOUN
amfbr-218	85	11	banking	banking	NOUN
amfbr-218	85	12	are	be	AUX
amfbr-218	85	13	perceived	perceive	VERB
amfbr-218	85	14	ease	ease	NOUN
amfbr-218	85	15	of	of	ADP
amfbr-218	85	16	use	use	NOUN
amfbr-218	85	17	,	,	PUNCT
amfbr-218	85	18	perceived	perceive	VERB
amfbr-218	85	19	usefulness	usefulness	NOUN
amfbr-218	85	20	,	,	PUNCT
amfbr-218	85	21	perceived	perceive	VERB
amfbr-218	85	22	risk	risk	NOUN
amfbr-218	85	23	,	,	PUNCT
amfbr-218	85	24	perceived	perceive	VERB
amfbr-218	85	25	trust	trust	NOUN
amfbr-218	85	26	,	,	PUNCT
amfbr-218	85	27	privacy	privacy	NOUN
amfbr-218	85	28	&	&	CCONJ
amfbr-218	85	29	security	security	PROPN
amfbr-218	85	30	and	and	CCONJ
amfbr-218	85	31	the	the	DET
amfbr-218	85	32	behavior	behavior	NOUN
amfbr-218	85	33	of	of	ADP
amfbr-218	85	34	users	user	NOUN
amfbr-218	85	35	themselves	themselves	PRON
amfbr-218	85	36	want	want	VERB
amfbr-218	85	37	to	to	PART
amfbr-218	85	38	apply	apply	VERB
amfbr-218	85	39	for	for	ADP
amfbr-218	85	40	banking	banking	NOUN
amfbr-218	85	41	internet	internet	NOUN
amfbr-218	85	42	.	.	PUNCT
amfbr-218	86	1	according	accord	VERB
amfbr-218	86	2	to	to	ADP
amfbr-218	86	3	eriksson	eriksson	PROPN
amfbr-218	86	4	et.al	et.al	PROPN
amfbr-218	86	5	(	(	PUNCT
amfbr-218	86	6	2005	2005	NUM
amfbr-218	86	7	)	)	PUNCT
amfbr-218	86	8	the	the	DET
amfbr-218	86	9	results	result	NOUN
amfbr-218	86	10	of	of	ADP
amfbr-218	86	11	his	his	PRON
amfbr-218	86	12	analysis	analysis	NOUN
amfbr-218	86	13	have	have	AUX
amfbr-218	86	14	proven	prove	VERB
amfbr-218	86	15	that	that	SCONJ
amfbr-218	86	16	there	there	PRON
amfbr-218	86	17	are	be	VERB
amfbr-218	86	18	three	three	NUM
amfbr-218	86	19	factors	factor	NOUN
amfbr-218	86	20	that	that	PRON
amfbr-218	86	21	encourage	encourage	VERB
amfbr-218	86	22	consumers	consumer	NOUN
amfbr-218	86	23	to	to	PART
amfbr-218	86	24	choose	choose	VERB
amfbr-218	86	25	internet	internet	NOUN
amfbr-218	86	26	banking	banking	NOUN
amfbr-218	86	27	.	.	PUNCT
amfbr-218	87	1	where	where	SCONJ
amfbr-218	87	2	perceived	perceive	VERB
amfbr-218	87	3	ease	ease	NOUN
amfbr-218	87	4	of	of	ADP
amfbr-218	87	5	use	use	NOUN
amfbr-218	87	6	,	,	PUNCT
amfbr-218	87	7	perceived	perceive	VERB
amfbr-218	87	8	usefulness	usefulness	NOUN
amfbr-218	87	9	and	and	CCONJ
amfbr-218	87	10	trust	trust	NOUN
amfbr-218	87	11	have	have	AUX
amfbr-218	87	12	been	be	AUX
amfbr-218	87	13	the	the	DET
amfbr-218	87	14	major	major	ADJ
amfbr-218	87	15	factors	factor	NOUN
amfbr-218	87	16	affecting	affect	VERB
amfbr-218	87	17	users	user	NOUN
amfbr-218	87	18	choosing	choose	VERB
amfbr-218	87	19	internet	internet	NOUN
amfbr-218	87	20	banking	banking	NOUN
amfbr-218	87	21	.	.	PUNCT
amfbr-218	88	1	according	accord	VERB
amfbr-218	88	2	to	to	ADP
amfbr-218	88	3	ramayah	ramayah	PROPN
amfbr-218	88	4	et.al	et.al	PROPN
amfbr-218	88	5	(	(	PUNCT
amfbr-218	88	6	2006	2006	NUM
amfbr-218	88	7	)	)	PUNCT
amfbr-218	88	8	found	find	VERB
amfbr-218	88	9	that	that	SCONJ
amfbr-218	88	10	the	the	DET
amfbr-218	88	11	majority	majority	NOUN
amfbr-218	88	12	of	of	ADP
amfbr-218	88	13	consumers	consumer	NOUN
amfbr-218	88	14	have	have	AUX
amfbr-218	88	15	been	be	AUX
amfbr-218	88	16	influenced	influence	VERB
amfbr-218	88	17	by	by	ADP
amfbr-218	88	18	two	two	NUM
amfbr-218	88	19	major	major	ADJ
amfbr-218	88	20	factors	factor	NOUN
amfbr-218	88	21	which	which	PRON
amfbr-218	88	22	prompted	prompt	VERB
amfbr-218	88	23	them	they	PRON
amfbr-218	88	24	not	not	PART
amfbr-218	88	25	to	to	PART
amfbr-218	88	26	use	use	VERB
amfbr-218	88	27	internet	internet	NOUN
amfbr-218	88	28	banking	banking	NOUN
amfbr-218	88	29	to	to	PART
amfbr-218	88	30	use	use	VERB
amfbr-218	88	31	it	it	PRON
amfbr-218	88	32	.	.	PUNCT
amfbr-218	89	1	the	the	DET
amfbr-218	89	2	factors	factor	NOUN
amfbr-218	89	3	that	that	PRON
amfbr-218	89	4	motivate	motivate	VERB
amfbr-218	89	5	them	they	PRON
amfbr-218	89	6	are	be	AUX
amfbr-218	89	7	the	the	DET
amfbr-218	89	8	perceived	perceive	VERB
amfbr-218	89	9	usefulness	usefulness	NOUN
amfbr-218	89	10	and	and	CCONJ
amfbr-218	89	11	the	the	DET
amfbr-218	89	12	behavior	behavior	NOUN
amfbr-218	89	13	of	of	ADP
amfbr-218	89	14	their	their	PRON
amfbr-218	89	15	own	own	ADJ
amfbr-218	89	16	users	user	NOUN
amfbr-218	89	17	who	who	PRON
amfbr-218	89	18	take	take	VERB
amfbr-218	89	19	them	they	PRON
amfbr-218	89	20	to	to	PART
amfbr-218	89	21	use	use	VERB
amfbr-218	89	22	the	the	DET
amfbr-218	89	23	internet	internet	NOUN
amfbr-218	89	24	banking	banking	NOUN
amfbr-218	89	25	.	.	PUNCT
amfbr-218	90	1	cheng	cheng	PROPN
amfbr-218	90	2	et.al	et.al	PROPN
amfbr-218	90	3	(	(	PUNCT
amfbr-218	90	4	2006	2006	NUM
amfbr-218	90	5	)	)	PUNCT
amfbr-218	90	6	expands	expand	VERB
amfbr-218	90	7	the	the	DET
amfbr-218	90	8	technology	technology	NOUN
amfbr-218	90	9	acceptance	acceptance	NOUN
amfbr-218	90	10	model	model	NOUN
amfbr-218	90	11	to	to	PART
amfbr-218	90	12	incorporate	incorporate	VERB
amfbr-218	90	13	site	site	NOUN
amfbr-218	90	14	safety	safety	NOUN
amfbr-218	90	15	factors	factor	NOUN
amfbr-218	90	16	considered	consider	VERB
amfbr-218	90	17	to	to	PART
amfbr-218	90	18	obtain	obtain	VERB
amfbr-218	90	19	factors	factor	NOUN
amfbr-218	90	20	that	that	PRON
amfbr-218	90	21	have	have	AUX
amfbr-218	90	22	influenced	influence	VERB
amfbr-218	90	23	the	the	DET
amfbr-218	90	24	use	use	NOUN
amfbr-218	90	25	of	of	ADP
amfbr-218	90	26	internet	internet	NOUN
amfbr-218	90	27	banking	banking	NOUN
amfbr-218	90	28	in	in	ADP
amfbr-218	90	29	hong	hong	PROPN
amfbr-218	90	30	kong	kong	PROPN
amfbr-218	90	31	.	.	PUNCT
amfbr-218	91	1	his	his	PRON
amfbr-218	91	2	analysis	analysis	NOUN
amfbr-218	91	3	shows	show	VERB
amfbr-218	91	4	that	that	SCONJ
amfbr-218	91	5	the	the	DET
amfbr-218	91	6	intention	intention	NOUN
amfbr-218	91	7	to	to	PART
amfbr-218	91	8	apply	apply	VERB
amfbr-218	91	9	internet	internet	NOUN
amfbr-218	91	10	banking	banking	NOUN
amfbr-218	91	11	is	be	AUX
amfbr-218	91	12	influenced	influence	VERB
amfbr-218	91	13	by	by	ADP
amfbr-218	91	14	perceived	perceive	VERB
amfbr-218	91	15	usefulness	usefulness	NOUN
amfbr-218	91	16	and	and	CCONJ
amfbr-218	91	17	web	web	NOUN
amfbr-218	91	18	security	security	NOUN
amfbr-218	91	19	.	.	PUNCT
amfbr-218	92	1	the	the	DET
amfbr-218	92	2	results	result	NOUN
amfbr-218	92	3	also	also	ADV
amfbr-218	92	4	show	show	VERB
amfbr-218	92	5	indirect	indirect	ADJ
amfbr-218	92	6	effects	effect	NOUN
amfbr-218	92	7	on	on	ADP
amfbr-218	92	8	convenience	convenience	NOUN
amfbr-218	92	9	factors	factor	NOUN
amfbr-218	92	10	that	that	PRON
amfbr-218	92	11	bring	bring	VERB
amfbr-218	92	12	benefits	benefit	NOUN
amfbr-218	92	13	to	to	ADP
amfbr-218	92	14	the	the	DET
amfbr-218	92	15	use	use	NOUN
amfbr-218	92	16	of	of	ADP
amfbr-218	92	17	internet	internet	NOUN
amfbr-218	92	18	banking	banking	NOUN
amfbr-218	92	19	.	.	PUNCT
amfbr-218	93	1	pikkarainen	pikkarainen	PROPN
amfbr-218	93	2	et.al	et.al	PROPN
amfbr-218	93	3	(	(	PUNCT
amfbr-218	93	4	2004	2004	NUM
amfbr-218	93	5	)	)	PUNCT
amfbr-218	93	6	uses	use	VERB
amfbr-218	93	7	a	a	DET
amfbr-218	93	8	traditional	traditional	ADJ
amfbr-218	93	9	technology	technology	NOUN
amfbr-218	93	10	acceptance	acceptance	NOUN
amfbr-218	93	11	model	model	NOUN
amfbr-218	93	12	founded	found	VERB
amfbr-218	93	13	by	by	ADP
amfbr-218	93	14	fred	fred	PROPN
amfbr-218	93	15	davis	davis	PROPN
amfbr-218	93	16	in	in	ADP
amfbr-218	93	17	1989	1989	NUM
amfbr-218	93	18	and	and	CCONJ
amfbr-218	93	19	states	state	NOUN
amfbr-218	93	20	that	that	PRON
amfbr-218	93	21	perceived	perceive	VERB
amfbr-218	93	22	ease	ease	NOUN
amfbr-218	93	23	of	of	ADP
amfbr-218	93	24	use	use	NOUN
amfbr-218	93	25	and	and	CCONJ
amfbr-218	93	26	perceived	perceive	VERB
amfbr-218	93	27	usefulness	usefulness	NOUN
amfbr-218	93	28	are	be	AUX
amfbr-218	93	29	added	add	VERB
amfbr-218	93	30	with	with	ADP
amfbr-218	93	31	the	the	DET
amfbr-218	93	32	privacy	privacy	NOUN
amfbr-218	93	33	and	and	CCONJ
amfbr-218	93	34	security	security	NOUN
amfbr-218	93	35	aspects	aspect	NOUN
amfbr-218	93	36	of	of	ADP
amfbr-218	93	37	became	become	VERB
amfbr-218	93	38	an	an	DET
amfbr-218	93	39	important	important	ADJ
amfbr-218	93	40	factor	factor	NOUN
amfbr-218	93	41	related	relate	VERB
amfbr-218	93	42	to	to	ADP
amfbr-218	93	43	the	the	DET
amfbr-218	93	44	acceptance	acceptance	NOUN
amfbr-218	93	45	of	of	ADP
amfbr-218	93	46	internet	internet	NOUN
amfbr-218	93	47	banking	banking	NOUN
amfbr-218	93	48	in	in	ADP
amfbr-218	93	49	finland	finland	PROPN
amfbr-218	93	50	.	.	PUNCT
amfbr-218	94	1	lin	lin	PROPN
amfbr-218	94	2	(	(	PUNCT
amfbr-218	94	3	2010	2010	NUM
amfbr-218	94	4	)	)	PUNCT
amfbr-218	94	5	states	state	VERB
amfbr-218	94	6	that	that	SCONJ
amfbr-218	94	7	relative	relative	ADJ
amfbr-218	94	8	advantages	advantage	NOUN
amfbr-218	94	9	,	,	PUNCT
amfbr-218	94	10	perceived	perceive	VERB
amfbr-218	94	11	ease	ease	NOUN
amfbr-218	94	12	of	of	ADP
amfbr-218	94	13	use	use	NOUN
amfbr-218	94	14	,	,	PUNCT
amfbr-218	94	15	compatibility	compatibility	NOUN
amfbr-218	94	16	and	and	CCONJ
amfbr-218	94	17	integrity	integrity	NOUN
amfbr-218	94	18	channels	channel	NOUN
amfbr-218	94	19	where	where	SCONJ
amfbr-218	94	20	acceptance	acceptance	NOUN
amfbr-218	94	21	of	of	ADP
amfbr-218	94	22	customer	customer	NOUN
amfbr-218	94	23	to	to	PART
amfbr-218	94	24	change	change	VERB
amfbr-218	94	25	banking	banking	NOUN
amfbr-218	94	26	method	method	NOUN
amfbr-218	94	27	that	that	PRON
amfbr-218	94	28	suggested	suggest	VERB
amfbr-218	94	29	by	by	ADP
amfbr-218	94	30	banks	bank	NOUN
amfbr-218	94	31	have	have	AUX
amfbr-218	94	32	influenced	influence	VERB
amfbr-218	94	33	the	the	DET
amfbr-218	94	34	decision	decision	NOUN
amfbr-218	94	35	to	to	PART
amfbr-218	94	36	adopt	adopt	VERB
amfbr-218	94	37	internet	internet	NOUN
amfbr-218	94	38	banking	banking	NOUN
amfbr-218	94	39	services	service	NOUN
amfbr-218	94	40	.	.	PUNCT
amfbr-218	95	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-218	96	1	american	american	PROPN
amfbr-218	96	2	finance	finance	PROPN
amfbr-218	96	3	&	&	CCONJ
amfbr-218	96	4	banking	banking	PROPN
amfbr-218	96	5	review	review	PROPN
amfbr-218	96	6	vol	vol	NOUN
amfbr-218	96	7	.	.	PROPN
amfbr-218	97	1	3	3	NUM
amfbr-218	97	2	,	,	PUNCT
amfbr-218	97	3	no	no	INTJ
amfbr-218	97	4	.	.	NOUN
amfbr-218	97	5	1	1	NUM
amfbr-218	97	6	;	;	PUNCT
amfbr-218	97	7	2018	2018	NUM
amfbr-218	97	8	38	38	NUM
amfbr-218	97	9	in	in	ADP
amfbr-218	97	10	addition	addition	NOUN
amfbr-218	98	1	,	,	PUNCT
amfbr-218	98	2	lee	lee	PROPN
amfbr-218	98	3	(	(	PUNCT
amfbr-218	98	4	2009	2009	NUM
amfbr-218	98	5	)	)	PUNCT
amfbr-218	98	6	reports	report	VERB
amfbr-218	98	7	that	that	SCONJ
amfbr-218	98	8	the	the	DET
amfbr-218	98	9	desire	desire	NOUN
amfbr-218	98	10	to	to	PART
amfbr-218	98	11	use	use	VERB
amfbr-218	98	12	internet	internet	NOUN
amfbr-218	98	13	banking	banking	NOUN
amfbr-218	98	14	can	can	AUX
amfbr-218	98	15	be	be	AUX
amfbr-218	98	16	affected	affect	VERB
amfbr-218	98	17	if	if	SCONJ
amfbr-218	98	18	privacy	privacy	NOUN
amfbr-218	98	19	and	and	CCONJ
amfbr-218	98	20	security	security	NOUN
amfbr-218	98	21	risks	risk	NOUN
amfbr-218	98	22	are	be	AUX
amfbr-218	98	23	positively	positively	ADV
amfbr-218	98	24	affected	affect	VERB
amfbr-218	98	25	positively	positively	ADV
amfbr-218	98	26	can	can	AUX
amfbr-218	98	27	impact	impact	VERB
amfbr-218	98	28	the	the	DET
amfbr-218	98	29	benefits	benefit	NOUN
amfbr-218	98	30	of	of	ADP
amfbr-218	98	31	internet	internet	NOUN
amfbr-218	98	32	banking	banking	NOUN
amfbr-218	98	33	acceptance	acceptance	NOUN
amfbr-218	98	34	.	.	PUNCT
amfbr-218	99	1	uchenna	uchenna	PROPN
amfbr-218	99	2	et.al	et.al	PROPN
amfbr-218	99	3	(	(	PUNCT
amfbr-218	99	4	2011	2011	NUM
amfbr-218	99	5	)	)	PUNCT
amfbr-218	99	6	says	say	VERB
amfbr-218	99	7	that	that	SCONJ
amfbr-218	99	8	customers	customer	NOUN
amfbr-218	99	9	are	be	AUX
amfbr-218	99	10	influence	influence	NOUN
amfbr-218	99	11	by	by	ADP
amfbr-218	99	12	6	6	NUM
amfbr-218	99	13	factors	factor	NOUN
amfbr-218	99	14	which	which	PRON
amfbr-218	99	15	includes	include	VERB
amfbr-218	99	16	perceived	perceive	VERB
amfbr-218	99	17	ease	ease	NOUN
amfbr-218	99	18	of	of	ADP
amfbr-218	99	19	use	use	NOUN
amfbr-218	99	20	,	,	PUNCT
amfbr-218	99	21	perceived	perceive	VERB
amfbr-218	99	22	usefulness	usefulness	NOUN
amfbr-218	99	23	,	,	PUNCT
amfbr-218	99	24	trust	trust	NOUN
amfbr-218	99	25	,	,	PUNCT
amfbr-218	99	26	relative	relative	ADJ
amfbr-218	99	27	advantage	advantage	NOUN
amfbr-218	99	28	,	,	PUNCT
amfbr-218	99	29	trailability	trailability	NOUN
amfbr-218	99	30	and	and	CCONJ
amfbr-218	99	31	individual	individual	ADJ
amfbr-218	99	32	characteristics	characteristic	NOUN
amfbr-218	99	33	.	.	PUNCT
amfbr-218	100	1	according	accord	VERB
amfbr-218	100	2	to	to	ADP
amfbr-218	100	3	sazili	sazili	PROPN
amfbr-218	100	4	et.al	et.al	PROPN
amfbr-218	100	5	(	(	PUNCT
amfbr-218	100	6	2014	2014	NUM
amfbr-218	100	7	)	)	PUNCT
amfbr-218	100	8	states	state	VERB
amfbr-218	100	9	that	that	SCONJ
amfbr-218	100	10	there	there	PRON
amfbr-218	100	11	are	be	VERB
amfbr-218	100	12	two	two	NUM
amfbr-218	100	13	main	main	ADJ
amfbr-218	100	14	factors	factor	NOUN
amfbr-218	100	15	affecting	affect	VERB
amfbr-218	100	16	the	the	DET
amfbr-218	100	17	user	user	NOUN
amfbr-218	100	18	's	's	PART
amfbr-218	100	19	application	application	NOUN
amfbr-218	100	20	of	of	ADP
amfbr-218	100	21	internet	internet	NOUN
amfbr-218	100	22	banking	banking	NOUN
amfbr-218	100	23	is	be	AUX
amfbr-218	100	24	from	from	ADP
amfbr-218	100	25	the	the	DET
amfbr-218	100	26	aspect	aspect	NOUN
amfbr-218	100	27	of	of	ADP
amfbr-218	100	28	trust	trust	NOUN
amfbr-218	100	29	and	and	CCONJ
amfbr-218	100	30	security	security	NOUN
amfbr-218	100	31	aspect	aspect	NOUN
amfbr-218	100	32	.	.	PUNCT
amfbr-218	101	1	alex	alex	PROPN
amfbr-218	101	2	(	(	PUNCT
amfbr-218	101	3	2015	2015	NUM
amfbr-218	101	4	)	)	PUNCT
amfbr-218	101	5	argues	argue	VERB
amfbr-218	101	6	that	that	SCONJ
amfbr-218	101	7	there	there	PRON
amfbr-218	101	8	are	be	VERB
amfbr-218	101	9	a	a	DET
amfbr-218	101	10	number	number	NOUN
amfbr-218	101	11	of	of	ADP
amfbr-218	101	12	factors	factor	NOUN
amfbr-218	101	13	that	that	PRON
amfbr-218	101	14	have	have	AUX
amfbr-218	101	15	been	be	AUX
amfbr-218	101	16	expressed	express	VERB
amfbr-218	101	17	as	as	ADP
amfbr-218	101	18	factors	factor	NOUN
amfbr-218	101	19	that	that	PRON
amfbr-218	101	20	encourage	encourage	VERB
amfbr-218	101	21	consumers	consumer	NOUN
amfbr-218	101	22	to	to	PART
amfbr-218	101	23	choose	choose	VERB
amfbr-218	101	24	internet	internet	NOUN
amfbr-218	101	25	banking	banking	NOUN
amfbr-218	101	26	but	but	CCONJ
amfbr-218	101	27	only	only	ADV
amfbr-218	101	28	two	two	NUM
amfbr-218	101	29	of	of	ADP
amfbr-218	101	30	the	the	DET
amfbr-218	101	31	highest	high	ADJ
amfbr-218	101	32	exemplary	exemplary	ADJ
amfbr-218	101	33	factors	factor	NOUN
amfbr-218	101	34	have	have	AUX
amfbr-218	101	35	influenced	influence	VERB
amfbr-218	101	36	users	user	NOUN
amfbr-218	101	37	to	to	PART
amfbr-218	101	38	choose	choose	VERB
amfbr-218	101	39	internet	internet	NOUN
amfbr-218	101	40	banking	banking	NOUN
amfbr-218	101	41	,	,	PUNCT
amfbr-218	101	42	perceived	perceive	VERB
amfbr-218	101	43	ease	ease	NOUN
amfbr-218	101	44	of	of	ADP
amfbr-218	101	45	use	use	NOUN
amfbr-218	101	46	and	and	CCONJ
amfbr-218	101	47	privacy	privacy	NOUN
amfbr-218	101	48	&	&	CCONJ
amfbr-218	101	49	security	security	PROPN
amfbr-218	101	50	.	.	PUNCT
amfbr-218	102	1	ahmed	ahmed	PROPN
amfbr-218	102	2	(	(	PUNCT
amfbr-218	102	3	2016	2016	NUM
amfbr-218	102	4	)	)	PUNCT
amfbr-218	102	5	says	say	VERB
amfbr-218	102	6	that	that	SCONJ
amfbr-218	102	7	perceived	perceive	VERB
amfbr-218	102	8	ease	ease	NOUN
amfbr-218	102	9	of	of	ADP
amfbr-218	102	10	use	use	NOUN
amfbr-218	102	11	and	and	CCONJ
amfbr-218	102	12	usefulness	usefulness	NOUN
amfbr-218	102	13	plays	play	VERB
amfbr-218	102	14	an	an	DET
amfbr-218	102	15	important	important	ADJ
amfbr-218	102	16	role	role	NOUN
amfbr-218	102	17	on	on	ADP
amfbr-218	102	18	influencing	influence	VERB
amfbr-218	102	19	customer	customer	NOUN
amfbr-218	102	20	to	to	PART
amfbr-218	102	21	use	use	VERB
amfbr-218	102	22	internet	internet	NOUN
amfbr-218	102	23	banking	banking	NOUN
amfbr-218	102	24	.	.	PUNCT
amfbr-218	103	1	he	he	PRON
amfbr-218	103	2	also	also	ADV
amfbr-218	103	3	states	state	VERB
amfbr-218	103	4	that	that	SCONJ
amfbr-218	103	5	a	a	DET
amfbr-218	103	6	well	well	ADV
amfbr-218	103	7	-	-	PUNCT
amfbr-218	103	8	managed	manage	VERB
amfbr-218	103	9	risk	risk	NOUN
amfbr-218	103	10	also	also	ADV
amfbr-218	103	11	helps	help	VERB
amfbr-218	103	12	attract	attract	VERB
amfbr-218	103	13	customer	customer	NOUN
amfbr-218	103	14	to	to	PART
amfbr-218	103	15	use	use	VERB
amfbr-218	103	16	internet	internet	NOUN
amfbr-218	103	17	banking	banking	NOUN
amfbr-218	103	18	.	.	PUNCT
amfbr-218	104	1	meanwhile	meanwhile	ADV
amfbr-218	104	2	,	,	PUNCT
amfbr-218	104	3	according	accord	VERB
amfbr-218	104	4	to	to	ADP
amfbr-218	104	5	zaman	zaman	PROPN
amfbr-218	104	6	(	(	PUNCT
amfbr-218	104	7	2016	2016	NUM
amfbr-218	104	8	)	)	PUNCT
amfbr-218	104	9	states	state	VERB
amfbr-218	104	10	that	that	SCONJ
amfbr-218	104	11	there	there	PRON
amfbr-218	104	12	are	be	VERB
amfbr-218	104	13	four	four	NUM
amfbr-218	104	14	factors	factor	NOUN
amfbr-218	104	15	that	that	PRON
amfbr-218	104	16	have	have	AUX
amfbr-218	104	17	influenced	influence	VERB
amfbr-218	104	18	the	the	DET
amfbr-218	104	19	consumers	consumer	NOUN
amfbr-218	104	20	choosing	choose	VERB
amfbr-218	104	21	internet	internet	NOUN
amfbr-218	104	22	banking	banking	NOUN
amfbr-218	104	23	in	in	ADP
amfbr-218	104	24	pakistan	pakistan	PROPN
amfbr-218	104	25	.	.	PUNCT
amfbr-218	105	1	these	these	DET
amfbr-218	105	2	factors	factor	NOUN
amfbr-218	105	3	include	include	VERB
amfbr-218	105	4	perceived	perceive	VERB
amfbr-218	105	5	ease	ease	NOUN
amfbr-218	105	6	of	of	ADP
amfbr-218	105	7	use	use	NOUN
amfbr-218	105	8	,	,	PUNCT
amfbr-218	105	9	perceived	perceive	VERB
amfbr-218	105	10	usefulness	usefulness	NOUN
amfbr-218	105	11	,	,	PUNCT
amfbr-218	105	12	perceptions	perception	NOUN
amfbr-218	105	13	towards	towards	ADP
amfbr-218	105	14	risk	risk	NOUN
amfbr-218	105	15	and	and	CCONJ
amfbr-218	105	16	beliefs	belief	NOUN
amfbr-218	105	17	.	.	PUNCT
amfbr-218	106	1	amola	amola	PROPN
amfbr-218	106	2	(	(	PUNCT
amfbr-218	106	3	2016	2016	NUM
amfbr-218	106	4	)	)	PUNCT
amfbr-218	106	5	says	say	VERB
amfbr-218	106	6	that	that	SCONJ
amfbr-218	106	7	perceived	perceive	VERB
amfbr-218	106	8	ease	ease	NOUN
amfbr-218	106	9	of	of	ADP
amfbr-218	106	10	use	use	NOUN
amfbr-218	106	11	is	be	AUX
amfbr-218	106	12	the	the	DET
amfbr-218	106	13	critical	critical	ADJ
amfbr-218	106	14	factor	factor	NOUN
amfbr-218	106	15	that	that	PRON
amfbr-218	106	16	may	may	AUX
amfbr-218	106	17	influence	influence	VERB
amfbr-218	106	18	customer	customer	NOUN
amfbr-218	106	19	to	to	PART
amfbr-218	106	20	use	use	VERB
amfbr-218	106	21	internet	internet	NOUN
amfbr-218	106	22	banking	banking	NOUN
amfbr-218	106	23	as	as	ADV
amfbr-218	106	24	well	well	ADV
amfbr-218	106	25	as	as	ADP
amfbr-218	106	26	customer	customer	NOUN
amfbr-218	106	27	awareness	awareness	NOUN
amfbr-218	106	28	towards	towards	ADP
amfbr-218	106	29	internet	internet	NOUN
amfbr-218	106	30	banking	banking	NOUN
amfbr-218	106	31	also	also	ADV
amfbr-218	106	32	able	able	ADJ
amfbr-218	106	33	to	to	PART
amfbr-218	106	34	influence	influence	VERB
amfbr-218	106	35	customer	customer	NOUN
amfbr-218	106	36	to	to	PART
amfbr-218	106	37	use	use	VERB
amfbr-218	106	38	online	online	ADJ
amfbr-218	106	39	services	service	NOUN
amfbr-218	106	40	.	.	PUNCT
amfbr-218	107	1	according	accord	VERB
amfbr-218	107	2	to	to	ADP
amfbr-218	107	3	vasiliki	vasiliki	PROPN
amfbr-218	107	4	(	(	PUNCT
amfbr-218	107	5	2017	2017	NUM
amfbr-218	107	6	)	)	PUNCT
amfbr-218	107	7	proved	prove	VERB
amfbr-218	107	8	that	that	SCONJ
amfbr-218	107	9	customers	customer	NOUN
amfbr-218	107	10	are	be	AUX
amfbr-218	107	11	influenced	influence	VERB
amfbr-218	107	12	by	by	ADP
amfbr-218	107	13	two	two	NUM
amfbr-218	107	14	factor	factor	NOUN
amfbr-218	107	15	which	which	PRON
amfbr-218	107	16	is	be	AUX
amfbr-218	107	17	perceived	perceive	VERB
amfbr-218	107	18	usefulness	usefulness	NOUN
amfbr-218	107	19	and	and	CCONJ
amfbr-218	107	20	compatibility	compatibility	NOUN
amfbr-218	107	21	where	where	SCONJ
amfbr-218	107	22	customers	customer	NOUN
amfbr-218	107	23	are	be	AUX
amfbr-218	107	24	aware	aware	ADJ
amfbr-218	107	25	that	that	SCONJ
amfbr-218	107	26	internet	internet	NOUN
amfbr-218	107	27	banking	banking	NOUN
amfbr-218	107	28	gives	give	VERB
amfbr-218	107	29	variety	variety	NOUN
amfbr-218	107	30	of	of	ADP
amfbr-218	107	31	benefits	benefit	NOUN
amfbr-218	107	32	and	and	CCONJ
amfbr-218	107	33	compatible	compatible	ADJ
amfbr-218	107	34	to	to	ADP
amfbr-218	107	35	any	any	DET
amfbr-218	107	36	kind	kind	NOUN
amfbr-218	107	37	of	of	ADP
amfbr-218	107	38	customers	customer	NOUN
amfbr-218	107	39	either	either	CCONJ
amfbr-218	107	40	retail	retail	ADJ
amfbr-218	107	41	or	or	CCONJ
amfbr-218	107	42	corporate	corporate	ADJ
amfbr-218	107	43	customers	customer	NOUN
amfbr-218	107	44	.	.	PUNCT
amfbr-218	108	1	table	table	NOUN
amfbr-218	108	2	1.0	1.0	NUM
amfbr-218	108	3	shows	show	VERB
amfbr-218	108	4	the	the	DET
amfbr-218	108	5	literature	literature	NOUN
amfbr-218	108	6	analysis	analysis	NOUN
amfbr-218	108	7	on	on	ADP
amfbr-218	108	8	factors	factor	NOUN
amfbr-218	108	9	that	that	PRON
amfbr-218	108	10	influence	influence	VERB
amfbr-218	108	11	the	the	DET
amfbr-218	108	12	adoption	adoption	NOUN
amfbr-218	108	13	of	of	ADP
amfbr-218	108	14	internet	internet	NOUN
amfbr-218	108	15	banking	banking	NOUN
amfbr-218	108	16	.	.	PUNCT
amfbr-218	109	1	table	table	NOUN
amfbr-218	109	2	1.literature	1.literature	NUM
amfbr-218	109	3	analysis	analysis	NOUN
amfbr-218	109	4	on	on	ADP
amfbr-218	109	5	factor	factor	NOUN
amfbr-218	109	6	that	that	PRON
amfbr-218	109	7	influence	influence	VERB
amfbr-218	109	8	the	the	DET
amfbr-218	109	9	adoption	adoption	NOUN
amfbr-218	109	10	of	of	ADP
amfbr-218	109	11	internet	internet	NOUN
amfbr-218	109	12	banking	banking	NOUN
amfbr-218	109	13	research	research	NOUN
amfbr-218	109	14	analysis	analysis	NOUN
amfbr-218	109	15	factor	factor	NOUN
amfbr-218	109	16	that	that	PRON
amfbr-218	109	17	influence	influence	VERB
amfbr-218	109	18	the	the	DET
amfbr-218	109	19	adoption	adoption	NOUN
amfbr-218	109	20	of	of	ADP
amfbr-218	109	21	internet	internet	NOUN
amfbr-218	109	22	banking	banking	NOUN
amfbr-218	109	23	f1	f1	NOUN
amfbr-218	109	24	f2	f2	PROPN
amfbr-218	109	25	f3	f3	VERB
amfbr-218	109	26	f4	f4	NUM
amfbr-218	109	27	f5	f5	PROPN
amfbr-218	109	28	f6	f6	PROPN
amfbr-218	109	29	f7	f7	PROPN
amfbr-218	109	30	f8	f8	PROPN
amfbr-218	109	31	f9	f9	PROPN
amfbr-218	109	32	f10	f10	PROPN
amfbr-218	109	33	polatoglu	polatoglu	PROPN
amfbr-218	109	34	&	&	CCONJ
amfbr-218	109	35	ekin	ekin	PROPN
amfbr-218	109	36	(	(	PUNCT
amfbr-218	109	37	2001	2001	NUM
amfbr-218	109	38	)	)	PUNCT
amfbr-218	109	39	/	/	SYM
amfbr-218	109	40	/	/	SYM
amfbr-218	109	41	/	/	SYM
amfbr-218	109	42	/	/	SYM
amfbr-218	109	43	pikkarainen	pikkarainen	NOUN
amfbr-218	109	44	et.al	et.al	PROPN
amfbr-218	109	45	(	(	PUNCT
amfbr-218	109	46	2004	2004	NUM
amfbr-218	109	47	)	)	PUNCT
amfbr-218	109	48	/	/	SYM
amfbr-218	109	49	/	/	SYM
amfbr-218	109	50	/	/	SYM
amfbr-218	109	51	yousafzai	yousafzai	NOUN
amfbr-218	109	52	(	(	PUNCT
amfbr-218	109	53	2005	2005	NUM
amfbr-218	109	54	)	)	PUNCT
amfbr-218	109	55	/	/	SYM
amfbr-218	109	56	/	/	SYM
amfbr-218	109	57	/	/	SYM
amfbr-218	109	58	/	/	SYM
amfbr-218	109	59	/	/	SYM
amfbr-218	109	60	/	/	SYM
amfbr-218	109	61	eriksson	eriksson	PROPN
amfbr-218	109	62	et.al	et.al	PROPN
amfbr-218	109	63	(	(	PUNCT
amfbr-218	109	64	2005	2005	NUM
amfbr-218	109	65	)	)	PUNCT
amfbr-218	109	66	/	/	SYM
amfbr-218	109	67	/	/	SYM
amfbr-218	109	68	/	/	SYM
amfbr-218	109	69	ramayah	ramayah	NOUN
amfbr-218	109	70	et.al	et.al	PROPN
amfbr-218	109	71	(	(	PUNCT
amfbr-218	109	72	2006	2006	NUM
amfbr-218	109	73	)	)	PUNCT
amfbr-218	109	74	/	/	SYM
amfbr-218	109	75	/	/	SYM
amfbr-218	109	76	cheng	cheng	PROPN
amfbr-218	109	77	et.al	et.al	PROPN
amfbr-218	109	78	(	(	PUNCT
amfbr-218	109	79	2006	2006	NUM
amfbr-218	109	80	)	)	PUNCT
amfbr-218	109	81	/	/	SYM
amfbr-218	109	82	/	/	SYM
amfbr-218	109	83	/	/	SYM
amfbr-218	109	84	jahangir	jahangir	PROPN
amfbr-218	109	85	&	&	CCONJ
amfbr-218	109	86	begum	begum	PROPN
amfbr-218	109	87	(	(	PUNCT
amfbr-218	109	88	2008	2008	NUM
amfbr-218	109	89	)	)	PUNCT
amfbr-218	109	90	/	/	SYM
amfbr-218	109	91	/	/	SYM
amfbr-218	109	92	/	/	SYM
amfbr-218	109	93	/	/	SYM
amfbr-218	109	94	lee	lee	PROPN
amfbr-218	109	95	(	(	PUNCT
amfbr-218	109	96	2009	2009	NUM
amfbr-218	109	97	)	)	PUNCT
amfbr-218	109	98	/	/	SYM
amfbr-218	109	99	/	/	SYM
amfbr-218	109	100	/	/	SYM
amfbr-218	109	101	lewis	lewis	PROPN
amfbr-218	109	102	et.al	et.al	PROPN
amfbr-218	109	103	(	(	PUNCT
amfbr-218	109	104	2010	2010	NUM
amfbr-218	109	105	)	)	PUNCT
amfbr-218	109	106	/	/	SYM
amfbr-218	109	107	/	/	SYM
amfbr-218	109	108	/	/	SYM
amfbr-218	109	109	lin	lin	PROPN
amfbr-218	109	110	(	(	PUNCT
amfbr-218	109	111	2010	2010	NUM
amfbr-218	109	112	)	)	PUNCT
amfbr-218	109	113	/	/	SYM
amfbr-218	109	114	/	/	SYM
amfbr-218	109	115	/	/	SYM
amfbr-218	109	116	uchenna	uchenna	ADJ
amfbr-218	109	117	et.al	et.al	PROPN
amfbr-218	109	118	(	(	PUNCT
amfbr-218	109	119	2011	2011	NUM
amfbr-218	109	120	)	)	PUNCT
amfbr-218	109	121	/	/	SYM
amfbr-218	109	122	/	/	SYM
amfbr-218	109	123	/	/	SYM
amfbr-218	109	124	/	/	SYM
amfbr-218	109	125	/	/	SYM
amfbr-218	109	126	/	/	SYM
amfbr-218	109	127	perkins	perkins	PROPN
amfbr-218	109	128	(	(	PUNCT
amfbr-218	109	129	2013	2013	NUM
amfbr-218	109	130	)	)	PUNCT
amfbr-218	109	131	/	/	SYM
amfbr-218	109	132	/	/	SYM
amfbr-218	109	133	/	/	SYM
amfbr-218	109	134	/	/	SYM
amfbr-218	109	135	shazili	shazili	NOUN
amfbr-218	109	136	et.al	et.al	PROPN
amfbr-218	109	137	(	(	PUNCT
amfbr-218	109	138	2014	2014	NUM
amfbr-218	109	139	)	)	PUNCT
amfbr-218	109	140	/	/	SYM
amfbr-218	109	141	/	/	SYM
amfbr-218	109	142	alex	alex	PROPN
amfbr-218	109	143	(	(	PUNCT
amfbr-218	109	144	2015	2015	NUM
amfbr-218	109	145	)	)	PUNCT
amfbr-218	109	146	/	/	PUNCT
amfbr-218	109	147	/	/	SYM
amfbr-218	109	148	ahmed	ahme	VERB
amfbr-218	109	149	(	(	PUNCT
amfbr-218	109	150	2016	2016	NUM
amfbr-218	109	151	)	)	PUNCT
amfbr-218	109	152	/	/	SYM
amfbr-218	109	153	/	/	SYM
amfbr-218	109	154	/	/	SYM
amfbr-218	109	155	sohaib	sohaib	NOUN
amfbr-218	109	156	(	(	PUNCT
amfbr-218	109	157	2016	2016	NUM
amfbr-218	109	158	)	)	PUNCT
amfbr-218	109	159	/	/	SYM
amfbr-218	109	160	/	/	SYM
amfbr-218	109	161	/	/	SYM
amfbr-218	109	162	/	/	SYM
amfbr-218	109	163	amola	amola	NOUN
amfbr-218	109	164	(	(	PUNCT
amfbr-218	109	165	2016	2016	NUM
amfbr-218	109	166	)	)	PUNCT
amfbr-218	109	167	/	/	SYM
amfbr-218	109	168	vasiliki	vasiliki	ADJ
amfbr-218	109	169	(	(	PUNCT
amfbr-218	109	170	2017	2017	NUM
amfbr-218	109	171	)	)	PUNCT
amfbr-218	109	172	/	/	SYM
amfbr-218	110	1	/	/	SYM
amfbr-218	110	2	total	total	ADJ
amfbr-218	110	3	14	14	NUM
amfbr-218	110	4	12	12	NUM
amfbr-218	110	5	6	6	NUM
amfbr-218	110	6	7	7	NUM
amfbr-218	110	7	8	8	NUM
amfbr-218	110	8	2	2	NUM
amfbr-218	110	9	2	2	NUM
amfbr-218	110	10	1	1	NUM
amfbr-218	110	11	2	2	NUM
amfbr-218	110	12	4	4	NUM
amfbr-218	110	13	this	this	DET
amfbr-218	110	14	table	table	NOUN
amfbr-218	110	15	above	above	ADV
amfbr-218	110	16	has	have	AUX
amfbr-218	110	17	listed	list	VERB
amfbr-218	110	18	a	a	DET
amfbr-218	110	19	literature	literature	NOUN
amfbr-218	110	20	analysis	analysis	NOUN
amfbr-218	110	21	from	from	ADP
amfbr-218	110	22	year	year	NOUN
amfbr-218	110	23	2001	2001	NUM
amfbr-218	110	24	until	until	ADP
amfbr-218	110	25	a	a	DET
amfbr-218	110	26	recent	recent	ADJ
amfbr-218	110	27	2017	2017	NUM
amfbr-218	110	28	regarding	regard	VERB
amfbr-218	110	29	on	on	ADP
amfbr-218	110	30	factor	factor	NOUN
amfbr-218	110	31	that	that	PRON
amfbr-218	110	32	influence	influence	VERB
amfbr-218	110	33	the	the	DET
amfbr-218	110	34	adoption	adoption	NOUN
amfbr-218	110	35	of	of	ADP
amfbr-218	110	36	internet	internet	NOUN
amfbr-218	110	37	banking	banking	NOUN
amfbr-218	110	38	.	.	PUNCT
amfbr-218	111	1	f1	f1	PROPN
amfbr-218	111	2	means	mean	VERB
amfbr-218	111	3	perceived	perceive	VERB
amfbr-218	111	4	usefulness	usefulness	NOUN
amfbr-218	111	5	,	,	PUNCT
amfbr-218	111	6	f2	f2	PROPN
amfbr-218	111	7	means	mean	VERB
amfbr-218	111	8	perceived	perceive	VERB
amfbr-218	111	9	usefulness	usefulness	NOUN
amfbr-218	111	10	,	,	PUNCT
amfbr-218	111	11	f3	f3	PROPN
amfbr-218	111	12	means	mean	VERB
amfbr-218	111	13	perceived	perceive	VERB
amfbr-218	111	14	risk	risk	NOUN
amfbr-218	111	15	,	,	PUNCT
amfbr-218	111	16	f4	f4	PROPN
amfbr-218	111	17	means	mean	VERB
amfbr-218	111	18	trust	trust	NOUN
amfbr-218	111	19	,	,	PUNCT
amfbr-218	111	20	f5	f5	PROPN
amfbr-218	111	21	means	mean	VERB
amfbr-218	111	22	privacy	privacy	NOUN
amfbr-218	111	23	and	and	CCONJ
amfbr-218	111	24	security	security	NOUN
amfbr-218	111	25	,	,	PUNCT
amfbr-218	111	26	f6	f6	PROPN
amfbr-218	111	27	means	mean	VERB
amfbr-218	111	28	relative	relative	ADJ
amfbr-218	111	29	advantage	advantage	NOUN
amfbr-218	111	30	,	,	PUNCT
amfbr-218	111	31	f7	f7	PROPN
amfbr-218	111	32	means	mean	VERB
amfbr-218	111	33	compatibility	compatibility	NOUN
amfbr-218	111	34	,	,	PUNCT
amfbr-218	111	35	f8	f8	PROPN
amfbr-218	111	36	means	mean	VERB
amfbr-218	111	37	integrity	integrity	NOUN
amfbr-218	111	38	channels	channel	NOUN
amfbr-218	111	39	,	,	PUNCT
amfbr-218	111	40	f9	f9	PROPN
amfbr-218	111	41	means	mean	VERB
amfbr-218	111	42	trialability	trialability	NOUN
amfbr-218	111	43	and	and	CCONJ
amfbr-218	111	44	f10	f10	NOUN
amfbr-218	111	45	means	mean	VERB
amfbr-218	111	46	individual	individual	ADJ
amfbr-218	111	47	characteristics	characteristic	NOUN
amfbr-218	111	48	.	.	PUNCT
amfbr-218	112	1	according	accord	VERB
amfbr-218	112	2	to	to	ADP
amfbr-218	112	3	the	the	DET
amfbr-218	112	4	researcher	researcher	NOUN
amfbr-218	112	5	,	,	PUNCT
amfbr-218	112	6	there	there	PRON
amfbr-218	112	7	are	be	VERB
amfbr-218	112	8	10	10	NUM
amfbr-218	112	9	main	main	ADJ
amfbr-218	112	10	factors	factor	NOUN
amfbr-218	112	11	that	that	PRON
amfbr-218	112	12	influence	influence	VERB
amfbr-218	112	13	customers	customer	NOUN
amfbr-218	112	14	to	to	PART
amfbr-218	112	15	use	use	VERB
amfbr-218	112	16	internet	internet	NOUN
amfbr-218	112	17	banking	banking	NOUN
amfbr-218	112	18	because	because	SCONJ
amfbr-218	112	19	internet	internet	NOUN
amfbr-218	112	20	banking	banking	NOUN
amfbr-218	112	21	provides	provide	VERB
amfbr-218	112	22	many	many	ADJ
amfbr-218	112	23	facilities	facility	NOUN
amfbr-218	112	24	and	and	CCONJ
amfbr-218	112	25	benefits	benefit	NOUN
amfbr-218	112	26	to	to	ADP
amfbr-218	112	27	consumers	consumer	NOUN
amfbr-218	112	28	in	in	ADP
amfbr-218	112	29	conducting	conduct	VERB
amfbr-218	112	30	financial	financial	ADJ
amfbr-218	112	31	transactions	transaction	NOUN
amfbr-218	112	32	.	.	PUNCT
amfbr-218	113	1	with	with	ADP
amfbr-218	113	2	the	the	DET
amfbr-218	113	3	ease	ease	NOUN
amfbr-218	113	4	of	of	ADP
amfbr-218	113	5	technology	technology	NOUN
amfbr-218	113	6	,	,	PUNCT
amfbr-218	113	7	consumers	consumer	NOUN
amfbr-218	113	8	can	can	AUX
amfbr-218	113	9	run	run	VERB
amfbr-218	113	10	financial	financial	ADJ
amfbr-218	113	11	transactions	transaction	NOUN
amfbr-218	113	12	easily	easily	ADV
amfbr-218	113	13	and	and	CCONJ
amfbr-218	113	14	quickly	quickly	ADV
amfbr-218	113	15	.	.	PUNCT
amfbr-218	114	1	overall	overall	ADV
amfbr-218	114	2	,	,	PUNCT
amfbr-218	114	3	the	the	DET
amfbr-218	114	4	majority	majority	NOUN
amfbr-218	114	5	of	of	ADP
amfbr-218	114	6	literature	literature	NOUN
amfbr-218	114	7	proved	prove	VERB
amfbr-218	114	8	the	the	DET
amfbr-218	114	9	factors	factor	NOUN
amfbr-218	114	10	that	that	PRON
amfbr-218	114	11	drive	drive	VERB
amfbr-218	114	12	users	user	NOUN
amfbr-218	114	13	to	to	PART
amfbr-218	114	14	choose	choose	VERB
amfbr-218	114	15	internet	internet	NOUN
amfbr-218	114	16	banking	banking	NOUN
amfbr-218	114	17	are	be	AUX
amfbr-218	114	18	consisted	consist	VERB
amfbr-218	114	19	of	of	ADP
amfbr-218	114	20	perceived	perceive	VERB
amfbr-218	114	21	usefulness	usefulness	NOUN
amfbr-218	114	22	and	and	CCONJ
amfbr-218	114	23	ease	ease	NOUN
amfbr-218	114	24	of	of	ADP
amfbr-218	114	25	use	use	NOUN
amfbr-218	114	26	factors	factor	NOUN
amfbr-218	114	27	.	.	PUNCT
amfbr-218	115	1	both	both	PRON
amfbr-218	115	2	of	of	ADP
amfbr-218	115	3	these	these	DET
amfbr-218	115	4	factors	factor	NOUN
amfbr-218	115	5	are	be	AUX
amfbr-218	115	6	factors	factor	NOUN
amfbr-218	115	7	originated	originate	VERB
amfbr-218	115	8	from	from	ADP
amfbr-218	115	9	the	the	DET
amfbr-218	115	10	theory	theory	NOUN
amfbr-218	115	11	of	of	ADP
amfbr-218	115	12	technology	technology	NOUN
amfbr-218	115	13	acceptance	acceptance	NOUN
amfbr-218	115	14	model	model	NOUN
amfbr-218	115	15	founded	found	VERB
amfbr-218	115	16	by	by	ADP
amfbr-218	115	17	fred	fred	PROPN
amfbr-218	115	18	davis	davis	PROPN
amfbr-218	115	19	in	in	ADP
amfbr-218	115	20	1989	1989	NUM
amfbr-218	115	21	and	and	CCONJ
amfbr-218	115	22	yet	yet	ADV
amfbr-218	115	23	still	still	ADV
amfbr-218	115	24	proved	prove	VERB
amfbr-218	115	25	able	able	ADJ
amfbr-218	115	26	to	to	PART
amfbr-218	115	27	influence	influence	VERB
amfbr-218	115	28	customer	customer	NOUN
amfbr-218	115	29	to	to	PART
amfbr-218	115	30	use	use	VERB
amfbr-218	115	31	internet	internet	NOUN
amfbr-218	115	32	banking	banking	NOUN
amfbr-218	115	33	.	.	PUNCT
amfbr-218	116	1	6.conclusion	6.conclusion	NUM
amfbr-218	116	2	this	this	DET
amfbr-218	116	3	literature	literature	NOUN
amfbr-218	116	4	reviews	review	NOUN
amfbr-218	116	5	has	have	AUX
amfbr-218	116	6	proven	prove	VERB
amfbr-218	116	7	that	that	SCONJ
amfbr-218	116	8	there	there	PRON
amfbr-218	116	9	are	be	VERB
amfbr-218	116	10	10	10	NUM
amfbr-218	116	11	main	main	ADJ
amfbr-218	116	12	factors	factor	NOUN
amfbr-218	116	13	that	that	PRON
amfbr-218	116	14	encourage	encourage	VERB
amfbr-218	116	15	users	user	NOUN
amfbr-218	116	16	to	to	PART
amfbr-218	116	17	apply	apply	VERB
amfbr-218	116	18	internet	internet	NOUN
amfbr-218	116	19	banking	banking	NOUN
amfbr-218	116	20	.	.	PUNCT
amfbr-218	117	1	the	the	DET
amfbr-218	117	2	study	study	NOUN
amfbr-218	117	3	found	find	VERB
amfbr-218	117	4	that	that	SCONJ
amfbr-218	117	5	there	there	PRON
amfbr-218	117	6	were	be	VERB
amfbr-218	117	7	two	two	NUM
amfbr-218	117	8	major	major	ADJ
amfbr-218	117	9	factors	factor	NOUN
amfbr-218	117	10	that	that	PRON
amfbr-218	117	11	greatly	greatly	ADV
amfbr-218	117	12	affected	affect	VERB
amfbr-218	117	13	the	the	DET
amfbr-218	117	14	users	user	NOUN
amfbr-218	117	15	of	of	ADP
amfbr-218	117	16	internet	internet	NOUN
amfbr-218	117	17	banking	banking	NOUN
amfbr-218	117	18	.	.	PUNCT
amfbr-218	118	1	perceived	perceive	VERB
amfbr-218	118	2	ease	ease	NOUN
amfbr-218	118	3	of	of	ADP
amfbr-218	118	4	use	use	NOUN
amfbr-218	118	5	and	and	CCONJ
amfbr-218	118	6	usefulness	usefulness	NOUN
amfbr-218	118	7	has	have	AUX
amfbr-218	118	8	positively	positively	ADV
amfbr-218	118	9	affected	affect	VERB
amfbr-218	118	10	the	the	DET
amfbr-218	118	11	acceptance	acceptance	NOUN
amfbr-218	118	12	of	of	ADP
amfbr-218	118	13	internet	internet	NOUN
amfbr-218	118	14	banking	banking	NOUN
amfbr-218	118	15	.	.	PUNCT
amfbr-218	119	1	this	this	PRON
amfbr-218	119	2	may	may	AUX
amfbr-218	119	3	be	be	AUX
amfbr-218	119	4	related	relate	VERB
amfbr-218	119	5	to	to	ADP
amfbr-218	119	6	the	the	DET
amfbr-218	119	7	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	ADJ
amfbr-218	119	8	american	american	PROPN
amfbr-218	119	9	finance	finance	PROPN
amfbr-218	119	10	&	&	CCONJ
amfbr-218	119	11	banking	banking	PROPN
amfbr-218	119	12	review	review	PROPN
amfbr-218	119	13	vol	vol	NOUN
amfbr-218	119	14	.	.	PROPN
amfbr-218	120	1	3	3	NUM
amfbr-218	120	2	,	,	PUNCT
amfbr-218	120	3	no	no	INTJ
amfbr-218	120	4	.	.	NOUN
amfbr-218	120	5	1	1	NUM
amfbr-218	120	6	;	;	PUNCT
amfbr-218	120	7	2018	2018	NUM
amfbr-218	120	8	39	39	NUM
amfbr-218	120	9	fact	fact	NOUN
amfbr-218	120	10	that	that	SCONJ
amfbr-218	120	11	the	the	DET
amfbr-218	120	12	majority	majority	NOUN
amfbr-218	120	13	of	of	ADP
amfbr-218	120	14	respondents	respondent	NOUN
amfbr-218	120	15	who	who	PRON
amfbr-218	120	16	interested	interest	VERB
amfbr-218	120	17	in	in	ADP
amfbr-218	120	18	internet	internet	NOUN
amfbr-218	120	19	banking	banking	NOUN
amfbr-218	120	20	are	be	AUX
amfbr-218	120	21	also	also	ADV
amfbr-218	120	22	among	among	ADP
amfbr-218	120	23	young	young	ADJ
amfbr-218	120	24	adults	adult	NOUN
amfbr-218	120	25	who	who	PRON
amfbr-218	120	26	tend	tend	VERB
amfbr-218	120	27	to	to	PART
amfbr-218	120	28	be	be	AUX
amfbr-218	120	29	more	more	ADV
amfbr-218	120	30	exposed	expose	VERB
amfbr-218	120	31	on	on	ADP
amfbr-218	120	32	internet	internet	NOUN
amfbr-218	120	33	than	than	ADP
amfbr-218	120	34	respondents	respondent	NOUN
amfbr-218	120	35	of	of	ADP
amfbr-218	120	36	other	other	ADJ
amfbr-218	120	37	age	age	NOUN
amfbr-218	120	38	categories	category	NOUN
amfbr-218	120	39	.	.	PUNCT
amfbr-218	121	1	the	the	DET
amfbr-218	121	2	fact	fact	NOUN
amfbr-218	121	3	is	be	AUX
amfbr-218	121	4	also	also	ADV
amfbr-218	121	5	proved	prove	VERB
amfbr-218	121	6	that	that	SCONJ
amfbr-218	121	7	there	there	PRON
amfbr-218	121	8	is	be	VERB
amfbr-218	121	9	a	a	DET
amfbr-218	121	10	demographic	demographic	ADJ
amfbr-218	121	11	impact	impact	NOUN
amfbr-218	121	12	that	that	PRON
amfbr-218	121	13	encourages	encourage	VERB
amfbr-218	121	14	consumers	consumer	NOUN
amfbr-218	121	15	to	to	PART
amfbr-218	121	16	choose	choose	VERB
amfbr-218	121	17	internet	internet	NOUN
amfbr-218	121	18	banking	banking	NOUN
amfbr-218	121	19	.	.	PUNCT
amfbr-218	122	1	the	the	DET
amfbr-218	122	2	results	result	NOUN
amfbr-218	122	3	of	of	ADP
amfbr-218	122	4	this	this	DET
amfbr-218	122	5	literature	literature	NOUN
amfbr-218	122	6	study	study	NOUN
amfbr-218	122	7	also	also	ADV
amfbr-218	122	8	point	point	VERB
amfbr-218	122	9	out	out	ADP
amfbr-218	122	10	that	that	SCONJ
amfbr-218	122	11	the	the	DET
amfbr-218	122	12	perceived	perceive	VERB
amfbr-218	122	13	usefulness	usefulness	NOUN
amfbr-218	122	14	is	be	AUX
amfbr-218	122	15	also	also	ADV
amfbr-218	122	16	one	one	NUM
amfbr-218	122	17	of	of	ADP
amfbr-218	122	18	the	the	DET
amfbr-218	122	19	highest	high	ADJ
amfbr-218	122	20	factors	factor	NOUN
amfbr-218	122	21	that	that	PRON
amfbr-218	122	22	have	have	AUX
amfbr-218	122	23	affected	affect	VERB
amfbr-218	122	24	users	user	NOUN
amfbr-218	122	25	using	use	VERB
amfbr-218	122	26	internet	internet	NOUN
amfbr-218	122	27	banking	banking	NOUN
amfbr-218	122	28	.	.	PUNCT
amfbr-218	123	1	the	the	DET
amfbr-218	123	2	perception	perception	NOUN
amfbr-218	123	3	of	of	ADP
amfbr-218	123	4	the	the	DET
amfbr-218	123	5	benefits	benefit	NOUN
amfbr-218	123	6	and	and	CCONJ
amfbr-218	123	7	uses	use	NOUN
amfbr-218	123	8	of	of	ADP
amfbr-218	123	9	this	this	DET
amfbr-218	123	10	factor	factor	NOUN
amfbr-218	123	11	is	be	AUX
amfbr-218	123	12	an	an	DET
amfbr-218	123	13	assessment	assessment	NOUN
amfbr-218	123	14	of	of	ADP
amfbr-218	123	15	how	how	SCONJ
amfbr-218	123	16	far	far	ADV
amfbr-218	123	17	someone	someone	PRON
amfbr-218	123	18	believes	believe	VERB
amfbr-218	123	19	that	that	SCONJ
amfbr-218	123	20	certain	certain	ADJ
amfbr-218	123	21	system	system	NOUN
amfbr-218	123	22	applications	application	NOUN
amfbr-218	123	23	can	can	AUX
amfbr-218	123	24	improve	improve	VERB
amfbr-218	123	25	the	the	DET
amfbr-218	123	26	performance	performance	NOUN
amfbr-218	123	27	of	of	ADP
amfbr-218	123	28	a	a	DET
amfbr-218	123	29	job	job	NOUN
amfbr-218	123	30	.	.	PUNCT
amfbr-218	124	1	the	the	DET
amfbr-218	124	2	findings	finding	NOUN
amfbr-218	124	3	show	show	VERB
amfbr-218	124	4	that	that	SCONJ
amfbr-218	124	5	respondents	respondent	NOUN
amfbr-218	124	6	are	be	AUX
amfbr-218	124	7	interested	interested	ADJ
amfbr-218	124	8	in	in	ADP
amfbr-218	124	9	the	the	DET
amfbr-218	124	10	advantages	advantage	NOUN
amfbr-218	124	11	of	of	ADP
amfbr-218	124	12	the	the	DET
amfbr-218	124	13	system	system	NOUN
amfbr-218	124	14	and	and	CCONJ
amfbr-218	124	15	offer	offer	VERB
amfbr-218	124	16	for	for	ADP
amfbr-218	124	17	relative	relative	ADJ
amfbr-218	124	18	advantages	advantage	NOUN
amfbr-218	124	19	to	to	ADP
amfbr-218	124	20	other	other	ADJ
amfbr-218	124	21	systems	system	NOUN
amfbr-218	124	22	because	because	SCONJ
amfbr-218	124	23	the	the	DET
amfbr-218	124	24	advantages	advantage	NOUN
amfbr-218	124	25	of	of	ADP
amfbr-218	124	26	the	the	DET
amfbr-218	124	27	system	system	NOUN
amfbr-218	124	28	can	can	AUX
amfbr-218	124	29	be	be	AUX
amfbr-218	124	30	used	use	VERB
amfbr-218	124	31	anytime	anytime	ADV
amfbr-218	124	32	and	and	CCONJ
amfbr-218	124	33	anywhere	anywhere	ADV
amfbr-218	124	34	.	.	PUNCT
amfbr-218	125	1	therefore	therefore	ADV
amfbr-218	125	2	,	,	PUNCT
amfbr-218	125	3	the	the	DET
amfbr-218	125	4	results	result	NOUN
amfbr-218	125	5	of	of	ADP
amfbr-218	125	6	this	this	DET
amfbr-218	125	7	analysis	analysis	NOUN
amfbr-218	125	8	proved	prove	VERB
amfbr-218	125	9	that	that	SCONJ
amfbr-218	125	10	the	the	DET
amfbr-218	125	11	theory	theory	NOUN
amfbr-218	125	12	of	of	ADP
amfbr-218	125	13	technology	technology	NOUN
amfbr-218	125	14	acceptance	acceptance	NOUN
amfbr-218	125	15	model	model	NOUN
amfbr-218	125	16	founded	found	VERB
amfbr-218	125	17	by	by	ADP
amfbr-218	125	18	davis	davis	PROPN
amfbr-218	125	19	plays	play	VERB
amfbr-218	125	20	an	an	DET
amfbr-218	125	21	important	important	ADJ
amfbr-218	125	22	role	role	NOUN
amfbr-218	125	23	in	in	ADP
amfbr-218	125	24	encouraging	encourage	VERB
amfbr-218	125	25	consumers	consumer	NOUN
amfbr-218	125	26	to	to	PART
amfbr-218	125	27	apply	apply	VERB
amfbr-218	125	28	internet	internet	NOUN
amfbr-218	125	29	banking	banking	NOUN
amfbr-218	125	30	.	.	PUNCT
amfbr-218	126	1	7	7	X
amfbr-218	126	2	.	.	X
amfbr-218	126	3	recommendations	recommendation	NOUN
amfbr-218	126	4	internet	internet	NOUN
amfbr-218	126	5	banking	banking	NOUN
amfbr-218	126	6	is	be	AUX
amfbr-218	126	7	a	a	DET
amfbr-218	126	8	technology	technology	NOUN
amfbr-218	126	9	utilized	utilize	VERB
amfbr-218	126	10	in	in	ADP
amfbr-218	126	11	a	a	DET
amfbr-218	126	12	worldwide	worldwide	ADJ
amfbr-218	126	13	banking	banking	NOUN
amfbr-218	126	14	system	system	NOUN
amfbr-218	126	15	including	include	VERB
amfbr-218	126	16	brunei	brunei	PROPN
amfbr-218	126	17	darussalam	darussalam	PROPN
amfbr-218	126	18	itself	itself	PRON
amfbr-218	126	19	.	.	PUNCT
amfbr-218	127	1	in	in	ADP
amfbr-218	127	2	addition	addition	NOUN
amfbr-218	127	3	to	to	ADP
amfbr-218	127	4	emphasizing	emphasize	VERB
amfbr-218	127	5	the	the	DET
amfbr-218	127	6	issues	issue	NOUN
amfbr-218	127	7	that	that	PRON
amfbr-218	127	8	affect	affect	VERB
amfbr-218	127	9	users	user	NOUN
amfbr-218	127	10	in	in	ADP
amfbr-218	127	11	receiving	receive	VERB
amfbr-218	127	12	internet	internet	NOUN
amfbr-218	127	13	banking	banking	NOUN
amfbr-218	127	14	,	,	PUNCT
amfbr-218	127	15	then	then	ADV
amfbr-218	127	16	any	any	DET
amfbr-218	127	17	several	several	ADJ
amfbr-218	127	18	issues	issue	NOUN
amfbr-218	127	19	that	that	PRON
amfbr-218	127	20	can	can	AUX
amfbr-218	127	21	be	be	AUX
amfbr-218	127	22	problematic	problematic	ADJ
amfbr-218	127	23	should	should	AUX
amfbr-218	127	24	be	be	AUX
amfbr-218	127	25	addressed	address	VERB
amfbr-218	127	26	.	.	PUNCT
amfbr-218	128	1	among	among	ADP
amfbr-218	128	2	the	the	DET
amfbr-218	128	3	things	thing	NOUN
amfbr-218	128	4	that	that	PRON
amfbr-218	128	5	can	can	AUX
amfbr-218	128	6	be	be	AUX
amfbr-218	128	7	emphasized	emphasize	VERB
amfbr-218	128	8	is	be	AUX
amfbr-218	128	9	conducting	conduct	VERB
amfbr-218	128	10	research	research	NOUN
amfbr-218	128	11	on	on	ADP
amfbr-218	128	12	the	the	DET
amfbr-218	128	13	ability	ability	NOUN
amfbr-218	128	14	of	of	ADP
amfbr-218	128	15	consumers	consumer	NOUN
amfbr-218	128	16	to	to	PART
amfbr-218	128	17	accept	accept	VERB
amfbr-218	128	18	banking	banking	NOUN
amfbr-218	128	19	and	and	CCONJ
amfbr-218	128	20	the	the	DET
amfbr-218	128	21	demographic	demographic	ADJ
amfbr-218	128	22	continuity	continuity	NOUN
amfbr-218	128	23	of	of	ADP
amfbr-218	128	24	the	the	DET
amfbr-218	128	25	use	use	NOUN
amfbr-218	128	26	of	of	ADP
amfbr-218	128	27	internet	internet	NOUN
amfbr-218	128	28	banking	banking	NOUN
amfbr-218	128	29	in	in	ADP
amfbr-218	128	30	brunei	brunei	PROPN
amfbr-218	128	31	darussalam	darussalam	PROPN
amfbr-218	128	32	because	because	SCONJ
amfbr-218	128	33	previous	previous	ADJ
amfbr-218	128	34	research	research	NOUN
amfbr-218	128	35	has	have	AUX
amfbr-218	128	36	proven	prove	VERB
amfbr-218	128	37	that	that	SCONJ
amfbr-218	128	38	there	there	PRON
amfbr-218	128	39	is	be	VERB
amfbr-218	128	40	a	a	DET
amfbr-218	128	41	demographic	demographic	ADJ
amfbr-218	128	42	impact	impact	NOUN
amfbr-218	128	43	that	that	PRON
amfbr-218	128	44	affects	affect	VERB
amfbr-218	128	45	consumers	consumer	NOUN
amfbr-218	128	46	from	from	ADP
amfbr-218	128	47	receiving	receive	VERB
amfbr-218	128	48	internet	internet	NOUN
amfbr-218	128	49	banking	banking	NOUN
amfbr-218	128	50	.	.	PUNCT
amfbr-218	129	1	suggestions	suggestion	NOUN
amfbr-218	129	2	for	for	ADP
amfbr-218	129	3	future	future	ADJ
amfbr-218	129	4	researchers	researcher	NOUN
amfbr-218	129	5	are	be	AUX
amfbr-218	129	6	also	also	ADV
amfbr-218	129	7	to	to	PART
amfbr-218	129	8	conduct	conduct	VERB
amfbr-218	129	9	an	an	DET
amfbr-218	129	10	analysis	analysis	NOUN
amfbr-218	129	11	of	of	ADP
amfbr-218	129	12	the	the	DET
amfbr-218	129	13	user	user	NOUN
amfbr-218	129	14	's	's	PART
amfbr-218	129	15	ability	ability	NOUN
amfbr-218	129	16	to	to	PART
amfbr-218	129	17	avoid	avoid	VERB
amfbr-218	129	18	from	from	ADP
amfbr-218	129	19	using	use	VERB
amfbr-218	129	20	internet	internet	NOUN
amfbr-218	129	21	banking	banking	NOUN
amfbr-218	129	22	.	.	PUNCT
amfbr-218	130	1	the	the	DET
amfbr-218	130	2	next	next	ADJ
amfbr-218	130	3	researcher	researcher	NOUN
amfbr-218	130	4	can	can	AUX
amfbr-218	130	5	also	also	ADV
amfbr-218	130	6	relate	relate	VERB
amfbr-218	130	7	the	the	DET
amfbr-218	130	8	age	age	NOUN
amfbr-218	130	9	level	level	NOUN
amfbr-218	130	10	and	and	CCONJ
amfbr-218	130	11	education	education	NOUN
amfbr-218	130	12	background	background	NOUN
amfbr-218	130	13	to	to	PART
amfbr-218	130	14	see	see	VERB
amfbr-218	130	15	the	the	DET
amfbr-218	130	16	demographic	demographic	ADJ
amfbr-218	130	17	gap	gap	NOUN
amfbr-218	130	18	that	that	PRON
amfbr-218	130	19	differentiates	differentiate	VERB
amfbr-218	130	20	the	the	DET
amfbr-218	130	21	level	level	NOUN
amfbr-218	130	22	of	of	ADP
amfbr-218	130	23	consumer	consumer	NOUN
amfbr-218	130	24	applications	application	NOUN
amfbr-218	130	25	that	that	PRON
amfbr-218	130	26	choose	choose	VERB
amfbr-218	130	27	internet	internet	NOUN
amfbr-218	130	28	banking	banking	NOUN
amfbr-218	130	29	and	and	CCONJ
amfbr-218	130	30	which	which	PRON
amfbr-218	130	31	avoids	avoid	VERB
amfbr-218	130	32	internet	internet	NOUN
amfbr-218	130	33	banking	banking	NOUN
amfbr-218	130	34	.	.	PUNCT
amfbr-218	131	1	references	reference	NOUN
amfbr-218	131	2	ahmed	ahmed	PROPN
amfbr-218	131	3	,	,	PUNCT
amfbr-218	131	4	e.m	e.m	PROPN
amfbr-218	131	5	.	.	PROPN
amfbr-218	132	1	(	(	PUNCT
amfbr-218	132	2	2016	2016	NUM
amfbr-218	132	3	)	)	PUNCT
amfbr-218	132	4	.	.	PUNCT
amfbr-218	133	1	factor	factor	NOUN
amfbr-218	133	2	that	that	PRON
amfbr-218	133	3	influencing	influence	VERB
amfbr-218	133	4	the	the	DET
amfbr-218	133	5	adoption	adoption	NOUN
amfbr-218	133	6	of	of	ADP
amfbr-218	133	7	internet	internet	NOUN
amfbr-218	133	8	banking	banking	NOUN
amfbr-218	133	9	in	in	ADP
amfbr-218	133	10	malaysia	malaysia	PROPN
amfbr-218	133	11	.	.	PUNCT
amfbr-218	134	1	journal	journal	PROPN
amfbr-218	134	2	of	of	ADP
amfbr-218	134	3	internet	internet	NOUN
amfbr-218	134	4	banking	banking	NOUN
amfbr-218	134	5	and	and	CCONJ
amfbr-218	134	6	commerce	commerce	NOUN
amfbr-218	134	7	.	.	PUNCT
amfbr-218	135	1	21(1	21(1	NUM
amfbr-218	135	2	)	)	PUNCT
amfbr-218	135	3	.	.	PUNCT
amfbr-218	136	1	1–28	1–28	NOUN
amfbr-218	136	2	.	.	PUNCT
amfbr-218	136	3	bhatt	bhatt	PROPN
amfbr-218	136	4	,	,	PUNCT
amfbr-218	136	5	a.	a.	NOUN
amfbr-218	136	6	(	(	PUNCT
amfbr-218	136	7	2016	2016	NUM
amfbr-218	136	8	)	)	PUNCT
amfbr-218	136	9	.	.	PUNCT
amfbr-218	137	1	factor	factor	NOUN
amfbr-218	137	2	affecting	affect	VERB
amfbr-218	137	3	customers	customer	NOUN
amfbr-218	137	4	’	’	PART
amfbr-218	137	5	adoption	adoption	NOUN
amfbr-218	137	6	of	of	ADP
amfbr-218	137	7	mobile	mobile	ADJ
amfbr-218	137	8	banking	banking	NOUN
amfbr-218	137	9	services	service	NOUN
amfbr-218	137	10	.	.	PUNCT
amfbr-218	138	1	journal	journal	PROPN
amfbr-218	138	2	of	of	ADP
amfbr-218	138	3	internet	internet	NOUN
amfbr-218	138	4	banking	banking	NOUN
amfbr-218	138	5	and	and	CCONJ
amfbr-218	138	6	commerce	commerce	NOUN
amfbr-218	138	7	.	.	PUNCT
amfbr-218	139	1	22(1	22(1	NUM
amfbr-218	139	2	)	)	PUNCT
amfbr-218	139	3	.	.	PUNCT
amfbr-218	140	1	_	_	PUNCT
amfbr-218	141	1	_	_	PUNCT
amfbr-218	142	1	_	_	PUNCT
amfbr-218	143	1	_	_	PUNCT
amfbr-218	144	1	_	_	PUNCT
amfbr-218	145	1	_	_	PUNCT
amfbr-218	146	1	_	_	PUNCT
amfbr-218	147	1	_	_	PUNCT
amfbr-218	147	2	(	(	PUNCT
amfbr-218	147	3	2013	2013	NUM
amfbr-218	147	4	)	)	PUNCT
amfbr-218	147	5	.	.	PUNCT
amfbr-218	148	1	consumer	consumer	NOUN
amfbr-218	148	2	taking	taking	NOUN
amfbr-218	148	3	charge	charge	NOUN
amfbr-218	148	4	,	,	PUNCT
amfbr-218	148	5	consumer	consumer	NOUN
amfbr-218	148	6	and	and	CCONJ
amfbr-218	148	7	convergence	convergence	PROPN
amfbr-218	148	8	iii	iii	PROPN
amfbr-218	148	9	.	.	PUNCT
amfbr-218	149	1	kpmg	kpmg	PROPN
amfbr-218	149	2	international	international	PROPN
amfbr-218	149	3	.	.	PUNCT
amfbr-218	150	1	capgemini	capgemini	PROPN
amfbr-218	150	2	.	.	PROPN
amfbr-218	151	1	(	(	PUNCT
amfbr-218	151	2	2013	2013	NUM
amfbr-218	151	3	)	)	PUNCT
amfbr-218	151	4	.	.	PUNCT
amfbr-218	152	1	world	world	NOUN
amfbr-218	152	2	retail	retail	ADJ
amfbr-218	152	3	banking	banking	NOUN
amfbr-218	152	4	report	report	NOUN
amfbr-218	152	5	.	.	PUNCT
amfbr-218	153	1	european	european	ADJ
amfbr-218	153	2	financial	financial	ADJ
amfbr-218	153	3	management	management	NOUN
amfbr-218	153	4	and	and	CCONJ
amfbr-218	153	5	marketing	marketing	NOUN
amfbr-218	153	6	association	association	NOUN
amfbr-218	153	7	.	.	PUNCT
amfbr-218	154	1	cheng	cheng	PROPN
amfbr-218	154	2	t	t	PROPN
amfbr-218	154	3	,	,	PUNCT
amfbr-218	154	4	et.al	et.al	PROPN
amfbr-218	154	5	.	.	PUNCT
amfbr-218	154	6	(	(	PUNCT
amfbr-218	154	7	2006	2006	NUM
amfbr-218	154	8	)	)	PUNCT
amfbr-218	154	9	.	.	PUNCT
amfbr-218	155	1	examination	examination	NOUN
amfbr-218	155	2	of	of	ADP
amfbr-218	155	3	attitudes	attitude	NOUN
amfbr-218	155	4	towards	towards	ADP
amfbr-218	155	5	teaching	teach	VERB
amfbr-218	155	6	online	online	ADJ
amfbr-218	155	7	courses	course	NOUN
amfbr-218	155	8	based	base	VERB
amfbr-218	155	9	on	on	ADP
amfbr-218	155	10	theory	theory	NOUN
amfbr-218	155	11	of	of	ADP
amfbr-218	155	12	reasoned	reason	VERB
amfbr-218	155	13	action	action	NOUN
amfbr-218	155	14	of	of	ADP
amfbr-218	155	15	university	university	NOUN
amfbr-218	155	16	faculty	faculty	NOUN
amfbr-218	155	17	in	in	ADP
amfbr-218	155	18	taiwan	taiwan	PROPN
amfbr-218	155	19	.	.	PUNCT
amfbr-218	156	1	british	british	ADJ
amfbr-218	156	2	journal	journal	PROPN
amfbr-218	156	3	of	of	ADP
amfbr-218	156	4	educational	educational	ADJ
amfbr-218	156	5	technology	technology	NOUN
amfbr-218	156	6	.	.	PUNCT
amfbr-218	157	1	683–693	683–693	NUM
amfbr-218	157	2	.	.	PUNCT
amfbr-218	158	1	crabble	crabble	PROPN
amfbr-218	158	2	,	,	PUNCT
amfbr-218	158	3	m.	m.	NOUN
amfbr-218	158	4	,	,	PUNCT
amfbr-218	158	5	standing	standing	NOUN
amfbr-218	158	6	,	,	PUNCT
amfbr-218	158	7	c.	c.	PROPN
amfbr-218	158	8	,	,	PUNCT
amfbr-218	158	9	standing	standing	PROPN
amfbr-218	158	10	s.	s.	PROPN
amfbr-218	158	11	&	&	CCONJ
amfbr-218	158	12	karjaluoto	karjaluoto	PROPN
amfbr-218	158	13	h.	h.	PROPN
amfbr-218	158	14	(	(	PUNCT
amfbr-218	158	15	2009	2009	NUM
amfbr-218	158	16	)	)	PUNCT
amfbr-218	158	17	.	.	PUNCT
amfbr-218	159	1	an	an	DET
amfbr-218	159	2	adoption	adoption	NOUN
amfbr-218	159	3	model	model	NOUN
amfbr-218	159	4	for	for	ADP
amfbr-218	159	5	mobile	mobile	ADJ
amfbr-218	159	6	banking	banking	NOUN
amfbr-218	159	7	in	in	ADP
amfbr-218	159	8	ghana	ghana	PROPN
amfbr-218	159	9	.	.	PUNCT
amfbr-218	160	1	international	international	ADJ
amfbr-218	160	2	journal	journal	PROPN
amfbr-218	160	3	of	of	ADP
amfbr-218	160	4	mobile	mobile	ADJ
amfbr-218	160	5	communication	communication	NOUN
amfbr-218	160	6	.	.	PUNCT
amfbr-218	161	1	7(1	7(1	NUM
amfbr-218	161	2	)	)	PUNCT
amfbr-218	161	3	.	.	PUNCT
amfbr-218	162	1	515	515	NUM
amfbr-218	162	2	–	–	PUNCT
amfbr-218	162	3	543	543	NUM
amfbr-218	162	4	.	.	PUNCT
amfbr-218	162	5	doll	doll	PROPN
amfbr-218	162	6	,	,	PUNCT
amfbr-218	162	7	w.j	w.j	PROPN
amfbr-218	162	8	.	.	PROPN
amfbr-218	162	9	,	,	PUNCT
amfbr-218	162	10	xia	xia	PROPN
amfbr-218	162	11	w.	w.	PROPN
amfbr-218	162	12	&	&	CCONJ
amfbr-218	162	13	torkzadeh	torkzadeh	PROPN
amfbr-218	162	14	g.	g.	PROPN
amfbr-218	162	15	(	(	PUNCT
amfbr-218	162	16	1994	1994	NUM
amfbr-218	162	17	)	)	PUNCT
amfbr-218	162	18	.	.	PUNCT
amfbr-218	163	1	a	a	DET
amfbr-218	163	2	confirmatory	confirmatory	NOUN
amfbr-218	163	3	factor	factor	NOUN
amfbr-218	163	4	analysis	analysis	NOUN
amfbr-218	163	5	of	of	ADP
amfbr-218	163	6	the	the	DET
amfbr-218	163	7	end	end	NOUN
amfbr-218	163	8	-	-	PUNCT
amfbr-218	163	9	user	user	NOUN
amfbr-218	163	10	computing	computing	NOUN
amfbr-218	163	11	satisfaction	satisfaction	NOUN
amfbr-218	163	12	instrument	instrument	NOUN
amfbr-218	163	13	.	.	PUNCT
amfbr-218	164	1	mis	mis	PROPN
amfbr-218	164	2	quarterly	quarterly	PROPN
amfbr-218	164	3	.	.	PUNCT
amfbr-218	165	1	453	453	NUM
amfbr-218	165	2	–	–	PUNCT
amfbr-218	165	3	461	461	NUM
amfbr-218	165	4	.	.	PUNCT
amfbr-218	165	5	driga	driga	ADJ
amfbr-218	165	6	i.	i.	PROPN
amfbr-218	165	7	(	(	PUNCT
amfbr-218	165	8	2014	2014	NUM
amfbr-218	165	9	)	)	PUNCT
amfbr-218	165	10	.	.	PUNCT
amfbr-218	166	1	e	e	X
amfbr-218	166	2	-	-	ADJ
amfbr-218	166	3	banking	banking	ADJ
amfbr-218	166	4	services	service	NOUN
amfbr-218	166	5	:	:	PUNCT
amfbr-218	166	6	features	feature	NOUN
amfbr-218	166	7	,	,	PUNCT
amfbr-218	166	8	challenges	challenge	NOUN
amfbr-218	166	9	and	and	CCONJ
amfbr-218	166	10	benefits	benefit	NOUN
amfbr-218	166	11	.	.	PUNCT
amfbr-218	167	1	international	international	ADJ
amfbr-218	167	2	journal	journal	PROPN
amfbr-218	167	3	of	of	ADP
amfbr-218	167	4	internet	internet	NOUN
amfbr-218	167	5	banking	banking	NOUN
amfbr-218	167	6	and	and	CCONJ
amfbr-218	167	7	commerce	commerce	PROPN
amfbr-218	167	8	.	.	PUNCT
amfbr-218	168	1	49	49	NUM
amfbr-218	168	2	-	-	SYM
amfbr-218	168	3	58	58	NUM
amfbr-218	168	4	.	.	PUNCT
amfbr-218	169	1	eriksson	eriksson	PROPN
amfbr-218	169	2	,	,	PUNCT
amfbr-218	169	3	k.	k.	PROPN
amfbr-218	169	4	,	,	PUNCT
amfbr-218	169	5	kerem	kerem	PROPN
amfbr-218	169	6	k.	k.	PROPN
amfbr-218	169	7	&	&	CCONJ
amfbr-218	169	8	nilsson	nilsson	PROPN
amfbr-218	169	9	d.	d.	PROPN
amfbr-218	169	10	(	(	PUNCT
amfbr-218	169	11	2008	2008	NUM
amfbr-218	169	12	)	)	PUNCT
amfbr-218	169	13	.	.	PUNCT
amfbr-218	170	1	the	the	DET
amfbr-218	170	2	adoption	adoption	NOUN
amfbr-218	170	3	of	of	ADP
amfbr-218	170	4	commercial	commercial	ADJ
amfbr-218	170	5	innovations	innovation	NOUN
amfbr-218	170	6	in	in	ADP
amfbr-218	170	7	the	the	DET
amfbr-218	170	8	former	former	ADJ
amfbr-218	170	9	central	central	ADJ
amfbr-218	170	10	and	and	CCONJ
amfbr-218	170	11	eastern	eastern	ADJ
amfbr-218	170	12	european	european	ADJ
amfbr-218	170	13	markets	market	NOUN
amfbr-218	170	14	.	.	PUNCT
amfbr-218	171	1	the	the	DET
amfbr-218	171	2	case	case	NOUN
amfbr-218	171	3	of	of	ADP
amfbr-218	171	4	internet	internet	NOUN
amfbr-218	171	5	banking	banking	NOUN
amfbr-218	171	6	in	in	ADP
amfbr-218	171	7	estonia	estonia	PROPN
amfbr-218	171	8	.	.	PUNCT
amfbr-218	172	1	international	international	ADJ
amfbr-218	172	2	journal	journal	PROPN
amfbr-218	172	3	of	of	ADP
amfbr-218	172	4	bank	bank	PROPN
amfbr-218	172	5	marketing	marketing	NOUN
amfbr-218	172	6	.	.	PUNCT
amfbr-218	173	1	26	26	NUM
amfbr-218	173	2	(	(	PUNCT
amfbr-218	173	3	3	3	NUM
amfbr-218	173	4	)	)	PUNCT
amfbr-218	173	5	.	.	PUNCT
amfbr-218	174	1	154	154	NUM
amfbr-218	174	2	-	-	SYM
amfbr-218	174	3	69	69	NUM
amfbr-218	174	4	.	.	PUNCT
amfbr-218	175	1	fred	fred	PROPN
amfbr-218	175	2	,	,	PUNCT
amfbr-218	175	3	d.	d.	PROPN
amfbr-218	175	4	(	(	PUNCT
amfbr-218	175	5	1989	1989	NUM
amfbr-218	175	6	)	)	PUNCT
amfbr-218	175	7	.	.	PUNCT
amfbr-218	176	1	perceived	perceive	VERB
amfbr-218	176	2	usefulness	usefulness	NOUN
amfbr-218	176	3	,	,	PUNCT
amfbr-218	176	4	perceived	perceive	VERB
amfbr-218	176	5	ease	ease	NOUN
amfbr-218	176	6	of	of	ADP
amfbr-218	176	7	use	use	NOUN
amfbr-218	176	8	and	and	CCONJ
amfbr-218	176	9	user	user	NOUN
amfbr-218	176	10	acceptance	acceptance	NOUN
amfbr-218	176	11	of	of	ADP
amfbr-218	176	12	information	information	NOUN
amfbr-218	176	13	technology	technology	NOUN
amfbr-218	176	14	.	.	PUNCT
amfbr-218	177	1	mis	mis	PROPN
amfbr-218	177	2	quartely	quartely	ADV
amfbr-218	177	3	.	.	PUNCT
amfbr-218	178	1	319	319	NUM
amfbr-218	178	2	-	-	SYM
amfbr-218	178	3	340	340	NUM
amfbr-218	178	4	.	.	PUNCT
amfbr-218	179	1	goh	goh	PROPN
amfbr-218	179	2	,	,	PUNCT
amfbr-218	179	3	t.t	t.t	PROPN
amfbr-218	179	4	.	.	PROPN
amfbr-218	179	5	,	,	PUNCT
amfbr-218	179	6	suki	suki	PROPN
amfbr-218	179	7	,	,	PUNCT
amfbr-218	179	8	n.m	n.m	PROPN
amfbr-218	179	9	.	.	PROPN
amfbr-218	179	10	&	&	CCONJ
amfbr-218	179	11	fam	fam	PROPN
amfbr-218	179	12	k.	k.	PROPN
amfbr-218	179	13	(	(	PUNCT
amfbr-218	179	14	2014	2014	NUM
amfbr-218	179	15	)	)	PUNCT
amfbr-218	179	16	.	.	PUNCT
amfbr-218	180	1	exploring	explore	VERB
amfbr-218	180	2	a	a	DET
amfbr-218	180	3	consumption	consumption	NOUN
amfbr-218	180	4	value	value	NOUN
amfbr-218	180	5	model	model	NOUN
amfbr-218	180	6	for	for	ADP
amfbr-218	180	7	islamic	islamic	PROPN
amfbr-218	180	8	mobile	mobile	PROPN
amfbr-218	180	9	banking	banking	NOUN
amfbr-218	180	10	adoption	adoption	NOUN
amfbr-218	180	11	.	.	PUNCT
amfbr-218	181	1	journal	journal	PROPN
amfbr-218	181	2	of	of	ADP
amfbr-218	181	3	islamic	islamic	PROPN
amfbr-218	181	4	marketing	marketing	NOUN
amfbr-218	181	5	.	.	PUNCT
amfbr-218	182	1	5(1	5(1	NUM
amfbr-218	182	2	)	)	PUNCT
amfbr-218	182	3	.	.	PUNCT
amfbr-218	183	1	344	344	NUM
amfbr-218	183	2	–	–	PUNCT
amfbr-218	183	3	365	365	NUM
amfbr-218	183	4	.	.	X
amfbr-218	183	5	guiltinand	guiltinand	NOUN
amfbr-218	183	6	,	,	PUNCT
amfbr-218	183	7	j.p	j.p	PROPN
amfbr-218	183	8	&	&	CCONJ
amfbr-218	183	9	donnelly	donnelly	PROPN
amfbr-218	183	10	,	,	PUNCT
amfbr-218	183	11	j.h	j.h	PROPN
amfbr-218	183	12	.	.	PROPN
amfbr-218	183	13	(	(	PUNCT
amfbr-218	183	14	1983	1983	NUM
amfbr-218	183	15	)	)	PUNCT
amfbr-218	183	16	.	.	PUNCT
amfbr-218	184	1	the	the	DET
amfbr-218	184	2	use	use	NOUN
amfbr-218	184	3	of	of	ADP
amfbr-218	184	4	product	product	NOUN
amfbr-218	184	5	portfolio	portfolio	NOUN
amfbr-218	184	6	analysis	analysis	NOUN
amfbr-218	184	7	in	in	ADP
amfbr-218	184	8	bank	bank	NOUN
amfbr-218	184	9	marketing	marketing	NOUN
amfbr-218	184	10	planning	planning	NOUN
amfbr-218	184	11	.	.	PUNCT
amfbr-218	185	1	management	management	NOUN
amfbr-218	185	2	issues	issue	NOUN
amfbr-218	185	3	for	for	ADP
amfbr-218	185	4	financial	financial	ADJ
amfbr-218	185	5	institutions	institution	NOUN
amfbr-218	185	6	50	50	NUM
amfbr-218	185	7	.	.	PUNCT
amfbr-218	186	1	heinonen	heinonen	PROPN
amfbr-218	186	2	,	,	PUNCT
amfbr-218	186	3	k.	k.	PROPN
amfbr-218	186	4	(	(	PUNCT
amfbr-218	186	5	2007	2007	NUM
amfbr-218	186	6	)	)	PUNCT
amfbr-218	186	7	.	.	PUNCT
amfbr-218	187	1	conceptualizing	conceptualize	VERB
amfbr-218	187	2	online	online	ADJ
amfbr-218	187	3	banking	banking	NOUN
amfbr-218	187	4	service	service	NOUN
amfbr-218	187	5	value	value	NOUN
amfbr-218	187	6	.	.	PUNCT
amfbr-218	188	1	journal	journal	NOUN
amfbr-218	188	2	of	of	ADP
amfbr-218	188	3	financial	financial	ADJ
amfbr-218	188	4	services	service	NOUN
amfbr-218	188	5	marketing	marketing	NOUN
amfbr-218	188	6	.	.	PUNCT
amfbr-218	189	1	39	39	NUM
amfbr-218	189	2	-	-	SYM
amfbr-218	189	3	52	52	NUM
amfbr-218	189	4	.	.	PUNCT
amfbr-218	190	1	howcroft	howcroft	PROPN
amfbr-218	190	2	,	,	PUNCT
amfbr-218	190	3	b.	b.	PROPN
amfbr-218	190	4	,	,	PUNCT
amfbr-218	190	5	hamilton	hamilton	PROPN
amfbr-218	190	6	&	&	CCONJ
amfbr-218	190	7	hewer	hewer	PROPN
amfbr-218	190	8	p.	p.	PROPN
amfbr-218	190	9	(	(	PUNCT
amfbr-218	190	10	2002	2002	NUM
amfbr-218	190	11	)	)	PUNCT
amfbr-218	190	12	.	.	PUNCT
amfbr-218	191	1	consumer	consumer	NOUN
amfbr-218	191	2	attitude	attitude	NOUN
amfbr-218	191	3	and	and	CCONJ
amfbr-218	191	4	the	the	DET
amfbr-218	191	5	usage	usage	NOUN
amfbr-218	191	6	and	and	CCONJ
amfbr-218	191	7	adoption	adoption	NOUN
amfbr-218	191	8	of	of	ADP
amfbr-218	191	9	home	home	NOUN
amfbr-218	191	10	-	-	PUNCT
amfbr-218	191	11	based	base	VERB
amfbr-218	191	12	banking	banking	NOUN
amfbr-218	191	13	in	in	ADP
amfbr-218	191	14	the	the	DET
amfbr-218	191	15	united	united	ADJ
amfbr-218	191	16	kingdom	kingdom	PROPN
amfbr-218	191	17	.	.	PUNCT
amfbr-218	192	1	international	international	ADJ
amfbr-218	192	2	journal	journal	PROPN
amfbr-218	192	3	of	of	ADP
amfbr-218	192	4	bank	bank	PROPN
amfbr-218	192	5	marketing	marketing	NOUN
amfbr-218	192	6	.	.	PUNCT
amfbr-218	193	1	20(1	20(1	NUM
amfbr-218	193	2	)	)	PUNCT
amfbr-218	193	3	.	.	PUNCT
amfbr-218	194	1	111	111	NUM
amfbr-218	194	2	–	–	SYM
amfbr-218	194	3	121	121	NUM
amfbr-218	194	4	.	.	PUNCT
amfbr-218	195	1	jahangir	jahangir	PROPN
amfbr-218	195	2	,	,	PUNCT
amfbr-218	195	3	n.	n.	PROPN
amfbr-218	195	4	&	&	CCONJ
amfbr-218	195	5	begum	begum	PROPN
amfbr-218	195	6	,	,	PUNCT
amfbr-218	195	7	n.	n.	NOUN
amfbr-218	195	8	(	(	PUNCT
amfbr-218	195	9	2008	2008	NUM
amfbr-218	195	10	)	)	PUNCT
amfbr-218	195	11	.	.	PUNCT
amfbr-218	196	1	the	the	DET
amfbr-218	196	2	role	role	NOUN
amfbr-218	196	3	of	of	ADP
amfbr-218	196	4	perceived	perceive	VERB
amfbr-218	196	5	usefulness	usefulness	NOUN
amfbr-218	196	6	,	,	PUNCT
amfbr-218	196	7	perceived	perceive	VERB
amfbr-218	196	8	ease	ease	NOUN
amfbr-218	196	9	of	of	ADP
amfbr-218	196	10	use	use	NOUN
amfbr-218	196	11	,	,	PUNCT
amfbr-218	196	12	security	security	NOUN
amfbr-218	196	13	and	and	CCONJ
amfbr-218	196	14	privacy	privacy	NOUN
amfbr-218	196	15	and	and	CCONJ
amfbr-218	196	16	customer	customer	NOUN
amfbr-218	196	17	attitude	attitude	NOUN
amfbr-218	196	18	to	to	PART
amfbr-218	196	19	engender	engender	VERB
amfbr-218	196	20	adaptation	adaptation	NOUN
amfbr-218	196	21	in	in	ADP
amfbr-218	196	22	the	the	DET
amfbr-218	196	23	context	context	NOUN
amfbr-218	196	24	of	of	ADP
amfbr-218	196	25	eletronic	eletronic	ADJ
amfbr-218	196	26	banking	banking	NOUN
amfbr-218	196	27	.	.	PUNCT
amfbr-218	197	1	african	african	ADJ
amfbr-218	197	2	journal	journal	PROPN
amfbr-218	197	3	of	of	ADP
amfbr-218	197	4	business	business	NOUN
amfbr-218	197	5	management	management	NOUN
amfbr-218	197	6	.	.	PUNCT
amfbr-218	198	1	32	32	NUM
amfbr-218	198	2	–	–	SYM
amfbr-218	198	3	40	40	NUM
amfbr-218	198	4	.	.	PUNCT
amfbr-218	199	1	karjaluoto	karjaluoto	PROPN
amfbr-218	199	2	,	,	PUNCT
amfbr-218	199	3	h.	h.	PROPN
amfbr-218	199	4	,	,	PUNCT
amfbr-218	199	5	matilla	matilla	PROPN
amfbr-218	199	6	,	,	PUNCT
amfbr-218	199	7	m.	m.	NOUN
amfbr-218	199	8	&	&	CCONJ
amfbr-218	199	9	pento	pento	PROPN
amfbr-218	199	10	,	,	PUNCT
amfbr-218	199	11	t.	t.	PROPN
amfbr-218	199	12	(	(	PUNCT
amfbr-218	199	13	2002	2002	NUM
amfbr-218	199	14	)	)	PUNCT
amfbr-218	199	15	.	.	PUNCT
amfbr-218	200	1	factors	factor	NOUN
amfbr-218	200	2	underlying	underlie	VERB
amfbr-218	200	3	attitude	attitude	NOUN
amfbr-218	200	4	formation	formation	NOUN
amfbr-218	200	5	towards	towards	ADP
amfbr-218	200	6	online	online	ADJ
amfbr-218	200	7	banking	banking	NOUN
amfbr-218	200	8	in	in	ADP
amfbr-218	200	9	finland	finland	PROPN
amfbr-218	200	10	.	.	PUNCT
amfbr-218	201	1	international	international	ADJ
amfbr-218	201	2	journal	journal	PROPN
amfbr-218	201	3	of	of	ADP
amfbr-218	201	4	bank	bank	PROPN
amfbr-218	201	5	marketing	marketing	NOUN
amfbr-218	201	6	.	.	PUNCT
amfbr-218	202	1	20(1	20(1	NUM
amfbr-218	202	2	)	)	PUNCT
amfbr-218	202	3	.	.	PUNCT
amfbr-218	203	1	261	261	NUM
amfbr-218	203	2	–	–	PUNCT
amfbr-218	203	3	272	272	NUM
amfbr-218	203	4	.	.	PUNCT
amfbr-218	203	5	koksal	koksal	PROPN
amfbr-218	203	6	,	,	PUNCT
amfbr-218	203	7	m.	m.	NOUN
amfbr-218	203	8	h.	h.	PROPN
amfbr-218	203	9	(	(	PUNCT
amfbr-218	203	10	2016	2016	NUM
amfbr-218	203	11	)	)	PUNCT
amfbr-218	203	12	.	.	PUNCT
amfbr-218	204	1	the	the	DET
amfbr-218	204	2	intentions	intention	NOUN
amfbr-218	204	3	of	of	ADP
amfbr-218	204	4	lebanese	lebanese	ADJ
amfbr-218	204	5	consumers	consumer	NOUN
amfbr-218	204	6	to	to	PART
amfbr-218	204	7	adopt	adopt	VERB
amfbr-218	204	8	mobile	mobile	ADJ
amfbr-218	204	9	banking	banking	NOUN
amfbr-218	204	10	.	.	PUNCT
amfbr-218	205	1	international	international	ADJ
amfbr-218	205	2	journal	journal	PROPN
amfbr-218	205	3	of	of	ADP
amfbr-218	205	4	bank	bank	PROPN
amfbr-218	205	5	marketing	marketing	NOUN
amfbr-218	205	6	.	.	PUNCT
amfbr-218	206	1	34(3	34(3	NUM
amfbr-218	206	2	)	)	PUNCT
amfbr-218	206	3	.	.	PUNCT
amfbr-218	207	1	556	556	NUM
amfbr-218	207	2	-	-	SYM
amfbr-218	207	3	568	568	NUM
amfbr-218	207	4	.	.	PUNCT
amfbr-218	208	1	laforet	laforet	PROPN
amfbr-218	208	2	,	,	PUNCT
amfbr-218	208	3	s.	s.	PROPN
amfbr-218	208	4	&	&	CCONJ
amfbr-218	208	5	xiaoyan	xiaoyan	PROPN
amfbr-218	208	6	,	,	PUNCT
amfbr-218	208	7	l.	l.	PROPN
amfbr-218	208	8	(	(	PUNCT
amfbr-218	208	9	2005	2005	NUM
amfbr-218	208	10	)	)	PUNCT
amfbr-218	208	11	.	.	PUNCT
amfbr-218	209	1	consumers	consumer	NOUN
amfbr-218	209	2	’	’	PART
amfbr-218	209	3	attitudes	attitude	NOUN
amfbr-218	209	4	towards	towards	ADP
amfbr-218	209	5	online	online	ADJ
amfbr-218	209	6	and	and	CCONJ
amfbr-218	209	7	mobile	mobile	ADJ
amfbr-218	209	8	banking	banking	NOUN
amfbr-218	209	9	in	in	ADP
amfbr-218	209	10	china	china	PROPN
amfbr-218	209	11	.	.	PUNCT
amfbr-218	210	1	international	international	ADJ
amfbr-218	210	2	journal	journal	PROPN
amfbr-218	210	3	of	of	ADP
amfbr-218	210	4	bank	bank	PROPN
amfbr-218	210	5	marketing	marketing	NOUN
amfbr-218	210	6	.	.	PUNCT
amfbr-218	211	1	23(1	23(1	X
amfbr-218	211	2	)	)	PUNCT
amfbr-218	211	3	.	.	PUNCT
amfbr-218	212	1	362	362	NUM
amfbr-218	212	2	–	–	PUNCT
amfbr-218	212	3	380	380	NUM
amfbr-218	212	4	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	ADJ
amfbr-218	212	5	american	american	PROPN
amfbr-218	212	6	finance	finance	PROPN
amfbr-218	212	7	&	&	CCONJ
amfbr-218	212	8	banking	banking	PROPN
amfbr-218	212	9	review	review	PROPN
amfbr-218	212	10	vol	vol	NOUN
amfbr-218	212	11	.	.	PROPN
amfbr-218	213	1	3	3	NUM
amfbr-218	213	2	,	,	PUNCT
amfbr-218	213	3	no	no	INTJ
amfbr-218	213	4	.	.	NOUN
amfbr-218	213	5	1	1	NUM
amfbr-218	213	6	;	;	PUNCT
amfbr-218	213	7	2018	2018	NUM
amfbr-218	213	8	40	40	NUM
amfbr-218	213	9	laukkanen	laukkanen	ADJ
amfbr-218	213	10	,	,	PUNCT
amfbr-218	213	11	t.	t.	PROPN
amfbr-218	213	12	&	&	CCONJ
amfbr-218	213	13	cruz	cruz	PROPN
amfbr-218	213	14	,	,	PUNCT
amfbr-218	213	15	p.	p.	NOUN
amfbr-218	213	16	(	(	PUNCT
amfbr-218	213	17	2012	2012	NUM
amfbr-218	213	18	)	)	PUNCT
amfbr-218	213	19	.	.	PUNCT
amfbr-218	214	1	cultural	cultural	ADJ
amfbr-218	214	2	,	,	PUNCT
amfbr-218	214	3	individual	individual	ADJ
amfbr-218	214	4	and	and	CCONJ
amfbr-218	214	5	device	device	NOUN
amfbr-218	214	6	-	-	PUNCT
amfbr-218	214	7	specific	specific	ADJ
amfbr-218	214	8	antecedents	antecedent	NOUN
amfbr-218	214	9	on	on	ADP
amfbr-218	214	10	mobile	mobile	ADJ
amfbr-218	214	11	banking	banking	NOUN
amfbr-218	214	12	adoption	adoption	NOUN
amfbr-218	214	13	:	:	PUNCT
amfbr-218	214	14	a	a	DET
amfbr-218	214	15	cross	cross	ADJ
amfbr-218	214	16	-	-	ADJ
amfbr-218	214	17	national	national	ADJ
amfbr-218	214	18	study	study	NOUN
amfbr-218	214	19	.	.	PUNCT
amfbr-218	215	1	proceedings	proceeding	NOUN
amfbr-218	215	2	of	of	ADP
amfbr-218	215	3	the	the	DET
amfbr-218	215	4	45th	45th	ADJ
amfbr-218	215	5	ieee	ieee	PROPN
amfbr-218	215	6	hawaii	hawaii	PROPN
amfbr-218	215	7	international	international	PROPN
amfbr-218	215	8	conference	conference	NOUN
amfbr-218	215	9	on	on	ADP
amfbr-218	215	10	system	system	NOUN
amfbr-218	215	11	sciences	science	NOUN
amfbr-218	215	12	(	(	PUNCT
amfbr-218	215	13	hciss	hciss	ADJ
amfbr-218	215	14	)	)	PUNCT
amfbr-218	215	15	.	.	PUNCT
amfbr-218	216	1	hawaii	hawaii	PROPN
amfbr-218	216	2	.	.	PUNCT
amfbr-218	217	1	laukkanen	laukkanen	PROPN
amfbr-218	217	2	,	,	PUNCT
amfbr-218	217	3	t.	t.	PROPN
amfbr-218	217	4	(	(	PUNCT
amfbr-218	217	5	2007	2007	NUM
amfbr-218	217	6	)	)	PUNCT
amfbr-218	217	7	.	.	PUNCT
amfbr-218	218	1	internet	internet	NOUN
amfbr-218	218	2	vs	vs	ADP
amfbr-218	218	3	mobile	mobile	ADJ
amfbr-218	218	4	banking	banking	NOUN
amfbr-218	218	5	:	:	PUNCT
amfbr-218	218	6	comparison	comparison	NOUN
amfbr-218	218	7	customer	customer	NOUN
amfbr-218	218	8	value	value	NOUN
amfbr-218	218	9	perception	perception	NOUN
amfbr-218	218	10	.	.	PUNCT
amfbr-218	219	1	journal	journal	PROPN
amfbr-218	219	2	of	of	ADP
amfbr-218	219	3	business	business	NOUN
amfbr-218	219	4	process	process	NOUN
amfbr-218	219	5	management	management	NOUN
amfbr-218	219	6	.	.	PUNCT
amfbr-218	220	1	788	788	NUM
amfbr-218	220	2	-	-	SYM
amfbr-218	220	3	797	797	NUM
amfbr-218	220	4	.	.	PUNCT
amfbr-218	221	1	lee	lee	PROPN
amfbr-218	221	2	,	,	PUNCT
amfbr-218	221	3	m.	m.	NOUN
amfbr-218	221	4	(	(	PUNCT
amfbr-218	221	5	2009	2009	NUM
amfbr-218	221	6	)	)	PUNCT
amfbr-218	221	7	.	.	PUNCT
amfbr-218	222	1	factors	factor	NOUN
amfbr-218	222	2	influencing	influence	VERB
amfbr-218	222	3	the	the	DET
amfbr-218	222	4	adoption	adoption	NOUN
amfbr-218	222	5	of	of	ADP
amfbr-218	222	6	internet	internet	NOUN
amfbr-218	222	7	banking	banking	NOUN
amfbr-218	222	8	:	:	PUNCT
amfbr-218	222	9	an	an	DET
amfbr-218	222	10	integration	integration	NOUN
amfbr-218	222	11	of	of	ADP
amfbr-218	222	12	tam	tam	PROPN
amfbr-218	222	13	and	and	CCONJ
amfbr-218	222	14	tpb	tpb	VERB
amfbr-218	222	15	with	with	ADP
amfbr-218	222	16	perceived	perceive	VERB
amfbr-218	222	17	risk	risk	NOUN
amfbr-218	222	18	and	and	CCONJ
amfbr-218	222	19	perceived	perceive	VERB
amfbr-218	222	20	benefit	benefit	NOUN
amfbr-218	222	21	.	.	PUNCT
amfbr-218	223	1	electronic	electronic	ADJ
amfbr-218	223	2	commerce	commerce	NOUN
amfbr-218	223	3	research	research	NOUN
amfbr-218	223	4	and	and	CCONJ
amfbr-218	223	5	applications	application	NOUN
amfbr-218	223	6	.	.	PUNCT
amfbr-218	224	1	8(3	8(3	NUM
amfbr-218	224	2	)	)	PUNCT
amfbr-218	224	3	.	.	PUNCT
amfbr-218	225	1	130–141	130–141	NUM
amfbr-218	225	2	.	.	X
amfbr-218	226	1	lin	lin	PROPN
amfbr-218	226	2	,	,	PUNCT
amfbr-218	226	3	h.	h.	PROPN
amfbr-218	226	4	f.	f.	PROPN
amfbr-218	226	5	(	(	PUNCT
amfbr-218	226	6	2010	2010	NUM
amfbr-218	226	7	)	)	PUNCT
amfbr-218	226	8	.	.	PUNCT
amfbr-218	227	1	an	an	DET
amfbr-218	227	2	empirical	empirical	ADJ
amfbr-218	227	3	investigation	investigation	NOUN
amfbr-218	227	4	of	of	ADP
amfbr-218	227	5	mobile	mobile	ADJ
amfbr-218	227	6	banking	banking	NOUN
amfbr-218	227	7	adaptations	adaptation	NOUN
amfbr-218	227	8	:	:	PUNCT
amfbr-218	227	9	the	the	DET
amfbr-218	227	10	effect	effect	NOUN
amfbr-218	227	11	of	of	ADP
amfbr-218	227	12	innovation	innovation	NOUN
amfbr-218	227	13	attributes	attribute	NOUN
amfbr-218	227	14	and	and	CCONJ
amfbr-218	227	15	knowledge	knowledge	NOUN
amfbr-218	227	16	-	-	PUNCT
amfbr-218	227	17	based	base	VERB
amfbr-218	227	18	trust	trust	NOUN
amfbr-218	227	19	.	.	PUNCT
amfbr-218	228	1	international	international	ADJ
amfbr-218	228	2	journal	journal	PROPN
amfbr-218	228	3	of	of	ADP
amfbr-218	228	4	information	information	NOUN
amfbr-218	228	5	and	and	CCONJ
amfbr-218	228	6	management	management	NOUN
amfbr-218	228	7	.	.	PUNCT
amfbr-218	229	1	31(1	31(1	NUM
amfbr-218	229	2	)	)	PUNCT
amfbr-218	229	3	.	.	PUNCT
amfbr-218	230	1	252	252	NUM
amfbr-218	230	2	–	–	PUNCT
amfbr-218	230	3	260	260	NUM
amfbr-218	230	4	.	.	PUNCT
amfbr-218	230	5	maitlo	maitlo	PROPN
amfbr-218	230	6	,	,	PUNCT
amfbr-218	230	7	g.m	g.m	PROPN
amfbr-218	230	8	.	.	PROPN
amfbr-218	230	9	et	et	PROPN
amfbr-218	230	10	al	al	PROPN
amfbr-218	230	11	.	.	PROPN
amfbr-218	230	12	(	(	PUNCT
amfbr-218	230	13	2015	2015	NUM
amfbr-218	230	14	)	)	PUNCT
amfbr-218	230	15	.	.	PUNCT
amfbr-218	231	1	factor	factor	NOUN
amfbr-218	231	2	that	that	PRON
amfbr-218	231	3	influence	influence	VERB
amfbr-218	231	4	the	the	DET
amfbr-218	231	5	adoption	adoption	NOUN
amfbr-218	231	6	of	of	ADP
amfbr-218	231	7	online	online	ADJ
amfbr-218	231	8	banking	banking	NOUN
amfbr-218	231	9	services	service	NOUN
amfbr-218	231	10	in	in	ADP
amfbr-218	231	11	hyderadab	hyderadab	PROPN
amfbr-218	231	12	.	.	PUNCT
amfbr-218	232	1	international	international	ADJ
amfbr-218	232	2	journal	journal	PROPN
amfbr-218	232	3	of	of	ADP
amfbr-218	232	4	economics	economics	PROPN
amfbr-218	232	5	&	&	CCONJ
amfbr-218	232	6	management	management	NOUN
amfbr-218	232	7	science	science	NOUN
amfbr-218	232	8	.	.	PUNCT
amfbr-218	233	1	1	1	NUM
amfbr-218	233	2	-	-	SYM
amfbr-218	233	3	10	10	NUM
amfbr-218	233	4	.	.	PUNCT
amfbr-218	234	1	mckechnie	mckechnie	PROPN
amfbr-218	234	2	,	,	PUNCT
amfbr-218	234	3	s.	s.	PROPN
amfbr-218	234	4	,	,	PUNCT
amfbr-218	234	5	winklhofer	winklhofer	NOUN
amfbr-218	234	6	,	,	PUNCT
amfbr-218	234	7	h.	h.	PROPN
amfbr-218	234	8	i.	i.	PROPN
amfbr-218	234	9	&	&	CCONJ
amfbr-218	234	10	ennew	ennew	PROPN
amfbr-218	234	11	,	,	PUNCT
amfbr-218	234	12	c.	c.	NOUN
amfbr-218	234	13	(	(	PUNCT
amfbr-218	234	14	2006	2006	NUM
amfbr-218	234	15	)	)	PUNCT
amfbr-218	234	16	.	.	PUNCT
amfbr-218	235	1	applying	apply	VERB
amfbr-218	235	2	the	the	DET
amfbr-218	235	3	technology	technology	NOUN
amfbr-218	235	4	acceptance	acceptance	NOUN
amfbr-218	235	5	model	model	NOUN
amfbr-218	235	6	to	to	ADP
amfbr-218	235	7	the	the	DET
amfbr-218	235	8	online	online	ADJ
amfbr-218	235	9	retailing	retailing	NOUN
amfbr-218	235	10	of	of	ADP
amfbr-218	235	11	financial	financial	ADJ
amfbr-218	235	12	services	service	NOUN
amfbr-218	235	13	.	.	PUNCT
amfbr-218	236	1	international	international	ADJ
amfbr-218	236	2	journal	journal	PROPN
amfbr-218	236	3	of	of	ADP
amfbr-218	236	4	retail	retail	ADJ
amfbr-218	236	5	and	and	CCONJ
amfbr-218	236	6	distribution	distribution	NOUN
amfbr-218	236	7	management	management	NOUN
amfbr-218	236	8	,	,	PUNCT
amfbr-218	236	9	34(4	34(4	NUM
amfbr-218	236	10	)	)	PUNCT
amfbr-218	236	11	.	.	PUNCT
amfbr-218	237	1	388	388	NUM
amfbr-218	237	2	-	-	SYM
amfbr-218	237	3	410	410	NUM
amfbr-218	237	4	.	.	PUNCT
amfbr-218	238	1	mekter	mekter	NOUN
amfbr-218	238	2	,	,	PUNCT
amfbr-218	238	3	et.al	et.al	PROPN
amfbr-218	238	4	.	.	PUNCT
amfbr-218	238	5	(	(	PUNCT
amfbr-218	238	6	2003	2003	NUM
amfbr-218	238	7	)	)	PUNCT
amfbr-218	238	8	.	.	PUNCT
amfbr-218	239	1	factor	factor	NOUN
amfbr-218	239	2	affecting	affect	VERB
amfbr-218	239	3	the	the	DET
amfbr-218	239	4	adoption	adoption	NOUN
amfbr-218	239	5	of	of	ADP
amfbr-218	239	6	mobile	mobile	ADJ
amfbr-218	239	7	banking	banking	NOUN
amfbr-218	239	8	services	service	NOUN
amfbr-218	239	9	.	.	PUNCT
amfbr-218	240	1	journal	journal	PROPN
amfbr-218	240	2	of	of	ADP
amfbr-218	240	3	internet	internet	NOUN
amfbr-218	240	4	banking	banking	NOUN
amfbr-218	240	5	and	and	CCONJ
amfbr-218	240	6	commerce	commerce	PROPN
amfbr-218	240	7	.	.	PUNCT
amfbr-218	241	1	8(1	8(1	NOUN
amfbr-218	241	2	)	)	PUNCT
amfbr-218	241	3	.	.	PUNCT
amfbr-218	242	1	89	89	NUM
amfbr-218	242	2	–	–	PUNCT
amfbr-218	242	3	101	101	NUM
amfbr-218	242	4	.	.	PUNCT
amfbr-218	242	5	melek	melek	NOUN
amfbr-218	242	6	,	,	PUNCT
amfbr-218	242	7	et.al	et.al	PROPN
amfbr-218	242	8	.	.	PUNCT
amfbr-218	242	9	(	(	PUNCT
amfbr-218	242	10	2010	2010	NUM
amfbr-218	242	11	)	)	PUNCT
amfbr-218	242	12	.	.	PUNCT
amfbr-218	243	1	an	an	DET
amfbr-218	243	2	evaluation	evaluation	NOUN
amfbr-218	243	3	of	of	ADP
amfbr-218	243	4	internet	internet	NOUN
amfbr-218	243	5	banking	banking	NOUN
amfbr-218	243	6	in	in	ADP
amfbr-218	243	7	turkey	turkey	PROPN
amfbr-218	243	8	.	.	PUNCT
amfbr-218	244	1	journal	journal	PROPN
amfbr-218	244	2	of	of	ADP
amfbr-218	244	3	internet	internet	NOUN
amfbr-218	244	4	banking	banking	NOUN
amfbr-218	244	5	and	and	CCONJ
amfbr-218	244	6	commerce	commerce	NOUN
amfbr-218	244	7	.	.	PUNCT
amfbr-218	245	1	15(2	15(2	NUM
amfbr-218	245	2	)	)	PUNCT
amfbr-218	245	3	.	.	PUNCT
amfbr-218	246	1	1–25	1–25	PROPN
amfbr-218	246	2	.	.	PUNCT
amfbr-218	246	3	mobarek	mobarek	PROPN
amfbr-218	246	4	,	,	PUNCT
amfbr-218	246	5	a.	a.	NOUN
amfbr-218	246	6	(	(	PUNCT
amfbr-218	246	7	2007	2007	NUM
amfbr-218	246	8	)	)	PUNCT
amfbr-218	246	9	.	.	PUNCT
amfbr-218	247	1	e	e	X
amfbr-218	247	2	-	-	ADJ
amfbr-218	247	3	banking	banking	ADJ
amfbr-218	247	4	practices	practice	NOUN
amfbr-218	247	5	and	and	CCONJ
amfbr-218	247	6	customer	customer	NOUN
amfbr-218	247	7	satisfaction	satisfaction	NOUN
amfbr-218	247	8	:	:	PUNCT
amfbr-218	247	9	a	a	DET
amfbr-218	247	10	case	case	NOUN
amfbr-218	247	11	study	study	NOUN
amfbr-218	247	12	in	in	ADP
amfbr-218	247	13	botswana	botswana	PROPN
amfbr-218	247	14	.	.	PUNCT
amfbr-218	248	1	botswana	botswana	PROPN
amfbr-218	248	2	.	.	PUNCT
amfbr-218	248	3	octavian	octavian	PROPN
amfbr-218	248	4	,	,	PUNCT
amfbr-218	248	5	d.	d.	PROPN
amfbr-218	248	6	&	&	CCONJ
amfbr-218	248	7	daniela	daniela	PROPN
amfbr-218	248	8	,	,	PUNCT
amfbr-218	248	9	p.	p.	NOUN
amfbr-218	248	10	(	(	PUNCT
amfbr-218	248	11	2006	2006	NUM
amfbr-218	248	12	)	)	PUNCT
amfbr-218	248	13	.	.	PUNCT
amfbr-218	249	1	the	the	DET
amfbr-218	249	2	adoption	adoption	NOUN
amfbr-218	249	3	of	of	ADP
amfbr-218	249	4	electronic	electronic	ADJ
amfbr-218	249	5	banking	banking	NOUN
amfbr-218	249	6	services	service	NOUN
amfbr-218	249	7	in	in	ADP
amfbr-218	249	8	developing	develop	VERB
amfbr-218	249	9	countries	country	NOUN
amfbr-218	249	10	the	the	DET
amfbr-218	249	11	romanian	romanian	ADJ
amfbr-218	249	12	case	case	NOUN
amfbr-218	249	13	.	.	PUNCT
amfbr-218	250	1	journal	journal	PROPN
amfbr-218	250	2	of	of	ADP
amfbr-218	250	3	internet	internet	NOUN
amfbr-218	250	4	banking	banking	NOUN
amfbr-218	250	5	and	and	CCONJ
amfbr-218	250	6	commerce	commerce	PROPN
amfbr-218	250	7	.	.	PUNCT
amfbr-218	251	1	1–16	1–16	PROPN
amfbr-218	251	2	.	.	PUNCT
amfbr-218	252	1	oliveira	oliveira	PROPN
amfbr-218	252	2	,	,	PUNCT
amfbr-218	252	3	t.	t.	PROPN
amfbr-218	252	4	et.al	et.al	PROPN
amfbr-218	252	5	.	.	PUNCT
amfbr-218	253	1	(	(	PUNCT
amfbr-218	253	2	2014	2014	NUM
amfbr-218	253	3	)	)	PUNCT
amfbr-218	253	4	.	.	PUNCT
amfbr-218	254	1	extending	extend	VERB
amfbr-218	254	2	the	the	DET
amfbr-218	254	3	understanding	understanding	NOUN
amfbr-218	254	4	of	of	ADP
amfbr-218	254	5	mobile	mobile	ADJ
amfbr-218	254	6	banking	banking	NOUN
amfbr-218	254	7	adoption	adoption	NOUN
amfbr-218	254	8	:	:	PUNCT
amfbr-218	254	9	when	when	SCONJ
amfbr-218	254	10	utaut	utaut	PROPN
amfbr-218	254	11	meets	meet	VERB
amfbr-218	254	12	ttf	ttf	NOUN
amfbr-218	254	13	and	and	CCONJ
amfbr-218	254	14	itm	itm	NOUN
amfbr-218	254	15	.	.	PUNCT
amfbr-218	255	1	international	international	ADJ
amfbr-218	255	2	journal	journal	PROPN
amfbr-218	255	3	of	of	ADP
amfbr-218	255	4	bank	bank	PROPN
amfbr-218	255	5	marketing	marketing	NOUN
amfbr-218	255	6	.	.	PUNCT
amfbr-218	256	1	34(5	34(5	NUM
amfbr-218	256	2	)	)	PUNCT
amfbr-218	256	3	.	.	PUNCT
amfbr-218	257	1	689	689	NUM
amfbr-218	257	2	-	-	SYM
amfbr-218	257	3	703	703	NUM
amfbr-218	257	4	.	.	PUNCT
amfbr-218	258	1	omar	omar	PROPN
amfbr-218	258	2	,	,	PUNCT
amfbr-218	258	3	a.	a.	PROPN
amfbr-218	258	4	et.al	et.al	PROPN
amfbr-218	258	5	.	.	PUNCT
amfbr-218	258	6	(	(	PUNCT
amfbr-218	258	7	2011	2011	NUM
amfbr-218	258	8	)	)	PUNCT
amfbr-218	258	9	.	.	PUNCT
amfbr-218	259	1	customer	customer	NOUN
amfbr-218	259	2	perception	perception	NOUN
amfbr-218	259	3	towards	towards	ADP
amfbr-218	259	4	online	online	ADJ
amfbr-218	259	5	banking	banking	NOUN
amfbr-218	259	6	services	service	NOUN
amfbr-218	259	7	:	:	PUNCT
amfbr-218	259	8	empirical	empirical	ADJ
amfbr-218	259	9	evidence	evidence	NOUN
amfbr-218	259	10	from	from	ADP
amfbr-218	259	11	pakistan	pakistan	PROPN
amfbr-218	259	12	.	.	PUNCT
amfbr-218	260	1	journal	journal	PROPN
amfbr-218	260	2	of	of	ADP
amfbr-218	260	3	internet	internet	NOUN
amfbr-218	260	4	banking	banking	NOUN
amfbr-218	260	5	and	and	CCONJ
amfbr-218	260	6	commerce	commerce	NOUN
amfbr-218	260	7	.	.	PUNCT
amfbr-218	261	1	16(2	16(2	NUM
amfbr-218	261	2	)	)	PUNCT
amfbr-218	261	3	.	.	PUNCT
amfbr-218	262	1	pace	pace	NOUN
amfbr-218	262	2	,	,	PUNCT
amfbr-218	262	3	d.	d.	PROPN
amfbr-218	262	4	(	(	PUNCT
amfbr-218	262	5	2016	2016	NUM
amfbr-218	262	6	)	)	PUNCT
amfbr-218	262	7	.	.	PUNCT
amfbr-218	263	1	customer	customer	NOUN
amfbr-218	263	2	's	's	PART
amfbr-218	263	3	perceptions	perception	NOUN
amfbr-218	263	4	towards	towards	ADP
amfbr-218	263	5	online	online	ADJ
amfbr-218	263	6	banking	banking	NOUN
amfbr-218	263	7	services	service	NOUN
amfbr-218	263	8	in	in	ADP
amfbr-218	263	9	malta	malta	PROPN
amfbr-218	263	10	.	.	PUNCT
amfbr-218	264	1	valleta	valleta	PROPN
amfbr-218	264	2	,	,	PUNCT
amfbr-218	264	3	malta	malta	PROPN
amfbr-218	264	4	:	:	PUNCT
amfbr-218	264	5	university	university	NOUN
amfbr-218	264	6	of	of	ADP
amfbr-218	264	7	malta	malta	PROPN
amfbr-218	264	8	.	.	PUNCT
amfbr-218	265	1	peter	peter	PROPN
amfbr-218	265	2	,	,	PUNCT
amfbr-218	265	3	a.	a.	NOUN
amfbr-218	265	4	a.	a.	NOUN
amfbr-218	265	5	o.	o.	PROPN
amfbr-218	265	6	(	(	PUNCT
amfbr-218	265	7	2015	2015	NUM
amfbr-218	265	8	)	)	PUNCT
amfbr-218	265	9	.	.	PUNCT
amfbr-218	266	1	factor	factor	NOUN
amfbr-218	266	2	affecting	affect	VERB
amfbr-218	266	3	the	the	DET
amfbr-218	266	4	adoption	adoption	NOUN
amfbr-218	266	5	of	of	ADP
amfbr-218	266	6	internet	internet	NOUN
amfbr-218	266	7	banking	banking	NOUN
amfbr-218	266	8	in	in	ADP
amfbr-218	266	9	nigeria	nigeria	PROPN
amfbr-218	266	10	.	.	PUNCT
amfbr-218	267	1	e	e	X
amfbr-218	267	2	-	-	PUNCT
amfbr-218	267	3	theses	theses	PROPN
amfbr-218	267	4	.	.	PUNCT
amfbr-218	268	1	eastern	eastern	PROPN
amfbr-218	268	2	mediterannean	mediterannean	PROPN
amfbr-218	268	3	university	university	PROPN
amfbr-218	268	4	cyprus	cyprus	PROPN
amfbr-218	268	5	.	.	PUNCT
amfbr-218	269	1	pikkarainen	pikkarainen	PROPN
amfbr-218	269	2	,	,	PUNCT
amfbr-218	269	3	et.al	et.al	PROPN
amfbr-218	269	4	.	.	PUNCT
amfbr-218	269	5	(	(	PUNCT
amfbr-218	269	6	2004	2004	NUM
amfbr-218	269	7	)	)	PUNCT
amfbr-218	269	8	.	.	PUNCT
amfbr-218	270	1	consumer	consumer	NOUN
amfbr-218	270	2	acceptance	acceptance	NOUN
amfbr-218	270	3	of	of	ADP
amfbr-218	270	4	online	online	ADJ
amfbr-218	270	5	banking	banking	NOUN
amfbr-218	270	6	:	:	PUNCT
amfbr-218	270	7	an	an	DET
amfbr-218	270	8	extension	extension	NOUN
amfbr-218	270	9	of	of	ADP
amfbr-218	270	10	the	the	DET
amfbr-218	270	11	technology	technology	NOUN
amfbr-218	270	12	acceptance	acceptance	NOUN
amfbr-218	270	13	model	model	NOUN
amfbr-218	270	14	.	.	PUNCT
amfbr-218	271	1	journal	journal	PROPN
amfbr-218	271	2	of	of	ADP
amfbr-218	271	3	internet	internet	NOUN
amfbr-218	271	4	research	research	NOUN
amfbr-218	271	5	.	.	PUNCT
amfbr-218	272	1	14(1	14(1	NUM
amfbr-218	272	2	)	)	PUNCT
amfbr-218	272	3	.	.	PUNCT
amfbr-218	273	1	224	224	NUM
amfbr-218	273	2	–	–	SYM
amfbr-218	273	3	235	235	NUM
amfbr-218	273	4	.	.	PUNCT
amfbr-218	273	5	polasik	polasik	PROPN
amfbr-218	273	6	&	&	CCONJ
amfbr-218	273	7	wisniewski	wisniewski	PROPN
amfbr-218	273	8	,	,	PUNCT
amfbr-218	273	9	m.	m.	NOUN
amfbr-218	273	10	(	(	PUNCT
amfbr-218	273	11	2009	2009	NUM
amfbr-218	273	12	)	)	PUNCT
amfbr-218	273	13	.	.	PUNCT
amfbr-218	274	1	empirical	empirical	ADJ
amfbr-218	274	2	analysis	analysis	NOUN
amfbr-218	274	3	of	of	ADP
amfbr-218	274	4	internet	internet	NOUN
amfbr-218	274	5	banking	banking	NOUN
amfbr-218	274	6	adoption	adoption	NOUN
amfbr-218	274	7	in	in	ADP
amfbr-218	274	8	poland	poland	PROPN
amfbr-218	274	9	.	.	PUNCT
amfbr-218	275	1	international	international	ADJ
amfbr-218	275	2	journal	journal	PROPN
amfbr-218	275	3	of	of	ADP
amfbr-218	275	4	bank	bank	PROPN
amfbr-218	275	5	marketing	marketing	NOUN
amfbr-218	275	6	.	.	PUNCT
amfbr-218	276	1	32	32	NUM
amfbr-218	276	2	-	-	SYM
amfbr-218	276	3	52	52	NUM
amfbr-218	276	4	.	.	PUNCT
amfbr-218	277	1	polatoglu	polatoglu	PROPN
amfbr-218	277	2	,	,	PUNCT
amfbr-218	277	3	v.	v.	ADP
amfbr-218	277	4	n.	n.	PROPN
amfbr-218	277	5	&	&	CCONJ
amfbr-218	277	6	ekin	ekin	PROPN
amfbr-218	277	7	,	,	PUNCT
amfbr-218	277	8	s.	s.	PROPN
amfbr-218	277	9	(	(	PUNCT
amfbr-218	277	10	2001	2001	NUM
amfbr-218	277	11	)	)	PUNCT
amfbr-218	277	12	.	.	PUNCT
amfbr-218	278	1	an	an	DET
amfbr-218	278	2	empirical	empirical	ADJ
amfbr-218	278	3	investigation	investigation	NOUN
amfbr-218	278	4	of	of	ADP
amfbr-218	278	5	the	the	DET
amfbr-218	278	6	turkish	turkish	ADJ
amfbr-218	278	7	consumers	consumer	NOUN
amfbr-218	278	8	’	'	PUNCT
amfbr-218	278	9	acceptance	acceptance	NOUN
amfbr-218	278	10	of	of	ADP
amfbr-218	278	11	internet	internet	NOUN
amfbr-218	278	12	banking	banking	NOUN
amfbr-218	278	13	services	service	NOUN
amfbr-218	278	14	.	.	PUNCT
amfbr-218	279	1	international	international	ADJ
amfbr-218	279	2	journalof	journalof	PROPN
amfbr-218	279	3	bank	bank	PROPN
amfbr-218	279	4	marketing	marketing	NOUN
amfbr-218	279	5	.	.	PUNCT
amfbr-218	280	1	156	156	NUM
amfbr-218	280	2	–	–	PUNCT
amfbr-218	280	3	165	165	NUM
amfbr-218	280	4	.	.	PUNCT
amfbr-218	280	5	raghavendran	raghavendran	NOUN
amfbr-218	280	6	,	,	PUNCT
amfbr-218	280	7	g.	g.	PROPN
amfbr-218	280	8	(	(	PUNCT
amfbr-218	280	9	2009	2009	NUM
amfbr-218	280	10	)	)	PUNCT
amfbr-218	280	11	.	.	PUNCT
amfbr-218	281	1	mobile	mobile	ADJ
amfbr-218	281	2	banking	banking	NOUN
amfbr-218	281	3	:	:	PUNCT
amfbr-218	281	4	can	can	AUX
amfbr-218	281	5	elephants	elephants	VERB
amfbr-218	281	6	and	and	CCONJ
amfbr-218	281	7	hippos	hippos	NOUN
amfbr-218	281	8	tango	tango	NOUN
amfbr-218	281	9	?	?	PUNCT
amfbr-218	282	1	journal	journal	PROPN
amfbr-218	282	2	of	of	ADP
amfbr-218	282	3	business	business	NOUN
amfbr-218	282	4	strategy	strategy	NOUN
amfbr-218	282	5	.	.	PUNCT
amfbr-218	283	1	1420	1420	NUM
amfbr-218	283	2	.	.	PUNCT
amfbr-218	284	1	ramayah	ramayah	PROPN
amfbr-218	284	2	et.al	et.al	PROPN
amfbr-218	284	3	.	.	PUNCT
amfbr-218	285	1	(	(	PUNCT
amfbr-218	285	2	2006	2006	NUM
amfbr-218	285	3	)	)	PUNCT
amfbr-218	285	4	.	.	PUNCT
amfbr-218	286	1	user	user	NOUN
amfbr-218	286	2	acceptance	acceptance	NOUN
amfbr-218	286	3	of	of	ADP
amfbr-218	286	4	internet	internet	NOUN
amfbr-218	286	5	banking	banking	NOUN
amfbr-218	286	6	in	in	ADP
amfbr-218	286	7	malaysia	malaysia	PROPN
amfbr-218	286	8	:	:	PUNCT
amfbr-218	286	9	test	test	NOUN
amfbr-218	286	10	of	of	ADP
amfbr-218	286	11	three	three	NUM
amfbr-218	286	12	computing	computing	NOUN
amfbr-218	286	13	models	model	NOUN
amfbr-218	286	14	.	.	PUNCT
amfbr-218	287	1	international	international	ADJ
amfbr-218	287	2	journal	journal	NOUN
amfbr-218	287	3	of	of	ADP
amfbr-218	287	4	e	e	NOUN
amfbr-218	287	5	-	-	NOUN
amfbr-218	287	6	adoption	adoption	NOUN
amfbr-218	287	7	.	.	PUNCT
amfbr-218	288	1	1(1	1(1	NUM
amfbr-218	288	2	)	)	PUNCT
amfbr-218	288	3	.	.	PUNCT
amfbr-218	289	1	1	1	NUM
amfbr-218	289	2	–	–	SYM
amfbr-218	289	3	19	19	NUM
amfbr-218	289	4	.	.	PUNCT
amfbr-218	290	1	reynolds	reynolds	PROPN
amfbr-218	290	2	,	,	PUNCT
amfbr-218	290	3	k.e	k.e	PROPN
amfbr-218	290	4	.	.	PROPN
amfbr-218	290	5	&	&	CCONJ
amfbr-218	290	6	beatty	beatty	PROPN
amfbr-218	290	7	,	,	PUNCT
amfbr-218	290	8	s.e	s.e	PROPN
amfbr-218	290	9	.	.	PROPN
amfbr-218	290	10	(	(	PUNCT
amfbr-218	290	11	2000	2000	NUM
amfbr-218	290	12	)	)	PUNCT
amfbr-218	290	13	.	.	PUNCT
amfbr-218	291	1	a	a	DET
amfbr-218	291	2	relationship	relationship	NOUN
amfbr-218	291	3	customer	customer	NOUN
amfbr-218	291	4	typology	typology	NOUN
amfbr-218	291	5	.	.	PUNCT
amfbr-218	292	1	journal	journal	PROPN
amfbr-218	292	2	of	of	ADP
amfbr-218	292	3	retailing	retailing	NOUN
amfbr-218	292	4	.	.	PUNCT
amfbr-218	293	1	75(1	75(1	NUM
amfbr-218	293	2	)	)	PUNCT
amfbr-218	293	3	.	.	PUNCT
amfbr-218	294	1	509	509	NUM
amfbr-218	294	2	–	–	PUNCT
amfbr-218	294	3	523	523	NUM
amfbr-218	294	4	.	.	PUNCT
amfbr-218	295	1	roger	roger	PROPN
amfbr-218	295	2	,	,	PUNCT
amfbr-218	295	3	e.m	e.m	PROPN
amfbr-218	295	4	.	.	PROPN
amfbr-218	295	5	&	&	CCONJ
amfbr-218	295	6	shoemaker	shoemaker	PROPN
amfbr-218	295	7	,	,	PUNCT
amfbr-218	295	8	f.	f.	PROPN
amfbr-218	295	9	(	(	PUNCT
amfbr-218	295	10	1971	1971	NUM
amfbr-218	295	11	)	)	PUNCT
amfbr-218	295	12	.	.	PUNCT
amfbr-218	296	1	communication	communication	NOUN
amfbr-218	296	2	in	in	ADP
amfbr-218	296	3	innovation	innovation	NOUN
amfbr-218	296	4	.	.	PUNCT
amfbr-218	297	1	new	new	PROPN
amfbr-218	297	2	york	york	PROPN
amfbr-218	297	3	usa	usa	PROPN
amfbr-218	297	4	.	.	PROPN
amfbr-218	297	5	free	free	PROPN
amfbr-218	297	6	press	press	PROPN
amfbr-218	297	7	.	.	PUNCT
amfbr-218	298	1	sazili	sazili	PROPN
amfbr-218	298	2	,	,	PUNCT
amfbr-218	298	3	s.	s.	PROPN
amfbr-218	298	4	et.al	et.al	PROPN
amfbr-218	298	5	.	.	PUNCT
amfbr-218	299	1	(	(	PUNCT
amfbr-218	299	2	2014	2014	NUM
amfbr-218	299	3	)	)	PUNCT
amfbr-218	299	4	.	.	PUNCT
amfbr-218	300	1	factor	factor	NOUN
amfbr-218	300	2	that	that	PRON
amfbr-218	300	3	influence	influence	VERB
amfbr-218	300	4	internet	internet	NOUN
amfbr-218	300	5	banking	banking	NOUN
amfbr-218	300	6	adoption	adoption	NOUN
amfbr-218	300	7	among	among	ADP
amfbr-218	300	8	postgraduate	postgraduate	ADJ
amfbr-218	300	9	students	student	NOUN
amfbr-218	300	10	.	.	PUNCT
amfbr-218	301	1	international	international	ADJ
amfbr-218	301	2	journal	journal	NOUN
amfbr-218	301	3	of	of	ADP
amfbr-218	301	4	innovative	innovative	ADJ
amfbr-218	301	5	research	research	NOUN
amfbr-218	301	6	in	in	ADP
amfbr-218	301	7	computer	computer	NOUN
amfbr-218	301	8	science	science	NOUN
amfbr-218	301	9	&	&	CCONJ
amfbr-218	301	10	technology	technology	PROPN
amfbr-218	301	11	.	.	PUNCT
amfbr-218	302	1	22	22	NUM
amfbr-218	302	2	-	-	SYM
amfbr-218	302	3	27	27	NUM
amfbr-218	302	4	.	.	PUNCT
amfbr-218	303	1	shaikh	shaikh	PROPN
amfbr-218	303	2	,	,	PUNCT
amfbr-218	303	3	a.	a.	PROPN
amfbr-218	303	4	&	&	CCONJ
amfbr-218	303	5	karjaluoto	karjaluoto	PROPN
amfbr-218	303	6	,	,	PUNCT
amfbr-218	303	7	h.	h.	PROPN
amfbr-218	303	8	(	(	PUNCT
amfbr-218	303	9	2016	2016	NUM
amfbr-218	303	10	)	)	PUNCT
amfbr-218	303	11	.	.	PUNCT
amfbr-218	304	1	mobile	mobile	ADJ
amfbr-218	304	2	banking	banking	NOUN
amfbr-218	304	3	adoption	adoption	NOUN
amfbr-218	304	4	:	:	PUNCT
amfbr-218	304	5	a	a	DET
amfbr-218	304	6	literature	literature	PROPN
amfbr-218	304	7	review	review	NOUN
amfbr-218	304	8	.	.	PUNCT
amfbr-218	305	1	journal	journal	NOUN
amfbr-218	305	2	of	of	ADP
amfbr-218	305	3	telematics	telematic	NOUN
amfbr-218	305	4	and	and	CCONJ
amfbr-218	305	5	informatics	informatic	NOUN
amfbr-218	305	6	.	.	PUNCT
amfbr-218	306	1	32(1	32(1	NUM
amfbr-218	306	2	)	)	PUNCT
amfbr-218	306	3	.	.	PUNCT
amfbr-218	307	1	129	129	NUM
amfbr-218	307	2	-	-	SYM
amfbr-218	307	3	142	142	NUM
amfbr-218	307	4	.	.	PUNCT
amfbr-218	308	1	steward	steward	PROPN
amfbr-218	308	2	,	,	PUNCT
amfbr-218	308	3	k.	k.	PROPN
amfbr-218	308	4	j.	j.	PROPN
amfbr-218	308	5	(	(	PUNCT
amfbr-218	308	6	1999	1999	NUM
amfbr-218	308	7	)	)	PUNCT
amfbr-218	308	8	.	.	PUNCT
amfbr-218	309	1	transference	transference	NOUN
amfbr-218	309	2	as	as	ADP
amfbr-218	309	3	a	a	DET
amfbr-218	309	4	means	means	NOUN
amfbr-218	309	5	of	of	ADP
amfbr-218	309	6	building	build	VERB
amfbr-218	309	7	trust	trust	NOUN
amfbr-218	309	8	in	in	ADP
amfbr-218	309	9	world	world	NOUN
amfbr-218	309	10	wide	wide	ADJ
amfbr-218	309	11	web	web	NOUN
amfbr-218	309	12	sites	site	NOUN
amfbr-218	309	13	.	.	PUNCT
amfbr-218	310	1	20th	20th	ADJ
amfbr-218	310	2	international	international	ADJ
amfbr-218	310	3	conference	conference	NOUN
amfbr-218	310	4	proceedings	proceeding	NOUN
amfbr-218	310	5	on	on	ADP
amfbr-218	310	6	informations	information	NOUN
amfbr-218	310	7	systems	system	NOUN
amfbr-218	310	8	.	.	PUNCT
amfbr-218	311	1	459	459	NUM
amfbr-218	311	2	–	–	PUNCT
amfbr-218	311	3	464	464	NUM
amfbr-218	311	4	.	.	PUNCT
amfbr-218	312	1	teo	teo	PROPN
amfbr-218	312	2	,	,	PUNCT
amfbr-218	312	3	a.	a.	PROPN
amfbr-218	312	4	et	et	PROPN
amfbr-218	312	5	al	al	PROPN
amfbr-218	312	6	.	.	PROPN
amfbr-218	312	7	(	(	PUNCT
amfbr-218	312	8	2012	2012	NUM
amfbr-218	312	9	)	)	PUNCT
amfbr-218	312	10	.	.	PUNCT
amfbr-218	313	1	can	can	AUX
amfbr-218	313	2	the	the	DET
amfbr-218	313	3	demographic	demographic	ADJ
amfbr-218	313	4	and	and	CCONJ
amfbr-218	313	5	subjective	subjective	ADJ
amfbr-218	313	6	norms	norm	NOUN
amfbr-218	313	7	influence	influence	VERB
amfbr-218	313	8	the	the	DET
amfbr-218	313	9	adoption	adoption	NOUN
amfbr-218	313	10	of	of	ADP
amfbr-218	313	11	mobile	mobile	ADJ
amfbr-218	313	12	banking	banking	NOUN
amfbr-218	313	13	?	?	PUNCT
amfbr-218	314	1	international	international	ADJ
amfbr-218	314	2	journal	journal	NOUN
amfbr-218	314	3	of	of	ADP
amfbr-218	314	4	mobile	mobile	ADJ
amfbr-218	314	5	communication	communication	NOUN
amfbr-218	314	6	.	.	PUNCT
amfbr-218	315	1	10(1	10(1	NUM
amfbr-218	315	2	)	)	PUNCT
amfbr-218	315	3	.	.	PUNCT
amfbr-218	316	1	578	578	NUM
amfbr-218	316	2	–	–	PUNCT
amfbr-218	316	3	597	597	NUM
amfbr-218	316	4	.	.	PUNCT
amfbr-218	316	5	uchenna	uchenna	PROPN
amfbr-218	316	6	,	,	PUNCT
amfbr-218	316	7	c.	c.	PROPN
amfbr-218	316	8	e.	e.	PROPN
amfbr-218	316	9	et	et	PROPN
amfbr-218	316	10	al	al	PROPN
amfbr-218	316	11	(	(	PUNCT
amfbr-218	316	12	2011	2011	NUM
amfbr-218	316	13	)	)	PUNCT
amfbr-218	316	14	.	.	PUNCT
amfbr-218	317	1	factors	factor	NOUN
amfbr-218	317	2	affecting	affect	VERB
amfbr-218	317	3	internet	internet	NOUN
amfbr-218	317	4	banking	banking	NOUN
amfbr-218	317	5	adoption	adoption	NOUN
amfbr-218	317	6	among	among	ADP
amfbr-218	317	7	young	young	ADJ
amfbr-218	317	8	adults	adult	NOUN
amfbr-218	317	9	.	.	PUNCT
amfbr-218	318	1	international	international	ADJ
amfbr-218	318	2	conference	conference	NOUN
amfbr-218	318	3	of	of	ADP
amfbr-218	318	4	social	social	ADJ
amfbr-218	318	5	science	science	NOUN
amfbr-218	318	6	and	and	CCONJ
amfbr-218	318	7	humanity	humanity	NOUN
amfbr-218	318	8	.	.	PUNCT
amfbr-218	319	1	377	377	NUM
amfbr-218	319	2	–	–	PUNCT
amfbr-218	319	3	381	381	NUM
amfbr-218	319	4	.	.	PUNCT
amfbr-218	319	5	vainio	vainio	PROPN
amfbr-218	319	6	,	,	PUNCT
amfbr-218	319	7	h.	h.	PROPN
amfbr-218	319	8	m.	m.	NOUN
amfbr-218	319	9	(	(	PUNCT
amfbr-218	319	10	2006	2006	NUM
amfbr-218	319	11	)	)	PUNCT
amfbr-218	319	12	.	.	PUNCT
amfbr-218	320	1	factor	factor	NOUN
amfbr-218	320	2	influencing	influence	VERB
amfbr-218	320	3	corporate	corporate	ADJ
amfbr-218	320	4	customers	customer	NOUN
amfbr-218	320	5	’	'	PUNCT
amfbr-218	320	6	acceptance	acceptance	NOUN
amfbr-218	320	7	of	of	ADP
amfbr-218	320	8	internet	internet	NOUN
amfbr-218	320	9	banking	banking	NOUN
amfbr-218	320	10	:	:	PUNCT
amfbr-218	320	11	a	a	DET
amfbr-218	320	12	case	case	NOUN
amfbr-218	320	13	of	of	ADP
amfbr-218	320	14	scandinavian	scandinavian	ADJ
amfbr-218	320	15	trade	trade	NOUN
amfbr-218	320	16	finance	finance	NOUN
amfbr-218	320	17	.	.	PUNCT
amfbr-218	321	1	e	e	X
amfbr-218	321	2	-	-	PUNCT
amfbr-218	321	3	theses	theses	PROPN
amfbr-218	321	4	.	.	PUNCT
amfbr-218	322	1	the	the	DET
amfbr-218	322	2	swedish	swedish	ADJ
amfbr-218	322	3	school	school	NOUN
amfbr-218	322	4	of	of	ADP
amfbr-218	322	5	economics	economic	NOUN
amfbr-218	322	6	and	and	CCONJ
amfbr-218	322	7	business	business	NOUN
amfbr-218	322	8	administration	administration	NOUN
amfbr-218	322	9	.	.	PUNCT
amfbr-218	323	1	vasiliki	vasiliki	PROPN
amfbr-218	323	2	,	,	PUNCT
amfbr-218	323	3	k.	k.	PROPN
amfbr-218	323	4	(	(	PUNCT
amfbr-218	323	5	2017	2017	NUM
amfbr-218	323	6	)	)	PUNCT
amfbr-218	323	7	.	.	PUNCT
amfbr-218	324	1	factor	factor	NOUN
amfbr-218	324	2	influencing	influence	VERB
amfbr-218	324	3	the	the	DET
amfbr-218	324	4	adoption	adoption	NOUN
amfbr-218	324	5	of	of	ADP
amfbr-218	324	6	internet	internet	NOUN
amfbr-218	324	7	banking	banking	NOUN
amfbr-218	324	8	in	in	ADP
amfbr-218	324	9	greece	greece	PROPN
amfbr-218	324	10	.	.	PUNCT
amfbr-218	325	1	e	e	X
amfbr-218	325	2	-	-	PROPN
amfbr-218	325	3	theses	theses	PROPN
amfbr-218	325	4	university	university	PROPN
amfbr-218	325	5	of	of	ADP
amfbr-218	325	6	greenwitch	greenwitch	PROPN
amfbr-218	325	7	greece	greece	PROPN
amfbr-218	325	8	.	.	PUNCT
amfbr-218	326	1	venkatesh	venkatesh	PROPN
amfbr-218	326	2	,	,	PUNCT
amfbr-218	326	3	v.	v.	PROPN
amfbr-218	326	4	&	&	CCONJ
amfbr-218	326	5	davis	davis	PROPN
amfbr-218	326	6	,	,	PUNCT
amfbr-218	326	7	f.	f.	PROPN
amfbr-218	326	8	(	(	PUNCT
amfbr-218	326	9	1996	1996	NUM
amfbr-218	326	10	)	)	PUNCT
amfbr-218	326	11	.	.	PUNCT
amfbr-218	327	1	a	a	DET
amfbr-218	327	2	model	model	NOUN
amfbr-218	327	3	of	of	ADP
amfbr-218	327	4	antecedents	antecedent	NOUN
amfbr-218	327	5	of	of	ADP
amfbr-218	327	6	perceived	perceive	VERB
amfbr-218	327	7	ease	ease	NOUN
amfbr-218	327	8	of	of	ADP
amfbr-218	327	9	use	use	NOUN
amfbr-218	327	10	:	:	PUNCT
amfbr-218	327	11	a	a	DET
amfbr-218	327	12	development	development	NOUN
amfbr-218	327	13	and	and	CCONJ
amfbr-218	327	14	test	test	NOUN
amfbr-218	327	15	.	.	PUNCT
amfbr-218	328	1	journal	journal	NOUN
amfbr-218	328	2	of	of	ADP
amfbr-218	328	3	decision	decision	NOUN
amfbr-218	328	4	science	science	NOUN
amfbr-218	328	5	.	.	PUNCT
amfbr-218	329	1	27	27	NUM
amfbr-218	329	2	.	.	X
amfbr-218	330	1	451	451	NUM
amfbr-218	330	2	–	–	PUNCT
amfbr-218	330	3	481	481	NUM
amfbr-218	330	4	.	.	PUNCT
amfbr-218	330	5	yousafzai	yousafzai	PROPN
amfbr-218	330	6	.	.	PUNCT
amfbr-218	331	1	s.	s.	PROPN
amfbr-218	331	2	(	(	PUNCT
amfbr-218	331	3	2005	2005	NUM
amfbr-218	331	4	)	)	PUNCT
amfbr-218	331	5	.	.	PUNCT
amfbr-218	332	1	customer	customer	NOUN
amfbr-218	332	2	behaviour	behaviour	NOUN
amfbr-218	332	3	towards	towards	ADP
amfbr-218	332	4	internet	internet	NOUN
amfbr-218	332	5	banking	banking	NOUN
amfbr-218	332	6	.	.	PUNCT
amfbr-218	333	1	cardiff	cardiff	PROPN
amfbr-218	333	2	united	united	PROPN
amfbr-218	333	3	kingdom	kingdom	PROPN
amfbr-218	333	4	:	:	PUNCT
amfbr-218	333	5	cardiff	cardiff	NOUN
amfbr-218	333	6	business	business	NOUN
amfbr-218	333	7	school	school	PROPN
amfbr-218	333	8	cardiff	cardiff	NOUN
amfbr-218	333	9	.	.	PUNCT
amfbr-218	334	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-218	335	1	american	american	PROPN
amfbr-218	335	2	finance	finance	PROPN
amfbr-218	335	3	&	&	CCONJ
amfbr-218	335	4	banking	banking	PROPN
amfbr-218	335	5	review	review	PROPN
amfbr-218	335	6	vol	vol	NOUN
amfbr-218	335	7	.	.	PROPN
amfbr-218	336	1	3	3	NUM
amfbr-218	336	2	,	,	PUNCT
amfbr-218	336	3	no	no	INTJ
amfbr-218	336	4	.	.	NOUN
amfbr-218	336	5	1	1	NUM
amfbr-218	336	6	;	;	PUNCT
amfbr-218	336	7	2018	2018	NUM
amfbr-218	336	8	41	41	NUM
amfbr-218	336	9	zaman	zaman	NOUN
amfbr-218	336	10	,	,	PUNCT
amfbr-218	336	11	s.	s.	PROPN
amfbr-218	336	12	u.	u.	PROPN
amfbr-218	336	13	(	(	PUNCT
amfbr-218	336	14	2016	2016	NUM
amfbr-218	336	15	)	)	PUNCT
amfbr-218	336	16	.	.	PUNCT
amfbr-218	337	1	an	an	DET
amfbr-218	337	2	investigation	investigation	NOUN
amfbr-218	337	3	into	into	ADP
amfbr-218	337	4	prime	prime	ADJ
amfbr-218	337	5	issues	issue	NOUN
amfbr-218	337	6	impeding	impede	VERB
amfbr-218	337	7	the	the	DET
amfbr-218	337	8	adoption	adoption	NOUN
amfbr-218	337	9	of	of	ADP
amfbr-218	337	10	internet	internet	NOUN
amfbr-218	337	11	banking	banking	NOUN
amfbr-218	337	12	in	in	ADP
amfbr-218	337	13	pakistani	pakistani	ADJ
amfbr-218	337	14	firms	firm	NOUN
amfbr-218	337	15	and	and	CCONJ
amfbr-218	337	16	organisations	organisation	NOUN
amfbr-218	337	17	.	.	PUNCT
amfbr-218	338	1	journal	journal	PROPN
amfbr-218	338	2	of	of	ADP
amfbr-218	338	3	internet	internet	NOUN
amfbr-218	338	4	banking	banking	NOUN
amfbr-218	338	5	and	and	CCONJ
amfbr-218	338	6	commerce	commerce	NOUN
amfbr-218	338	7	.	.	PUNCT
amfbr-218	338	8	1(1	1(1	NUM
amfbr-218	338	9	)	)	PUNCT
amfbr-218	338	10	.	.	PUNCT
amfbr-218	339	1	1	1	NUM
amfbr-218	339	2	-14	-14	NUM
amfbr-218	339	3	.	.	PUNCT
amfbr-218	340	1	copyrights	copyright	VERB
amfbr-218	340	2	copyright	copyright	NOUN
amfbr-218	340	3	for	for	ADP
amfbr-218	340	4	this	this	DET
amfbr-218	340	5	article	article	NOUN
amfbr-218	340	6	is	be	AUX
amfbr-218	340	7	retained	retain	VERB
amfbr-218	340	8	by	by	ADP
amfbr-218	340	9	the	the	DET
amfbr-218	340	10	author(s	author(s	PROPN
amfbr-218	340	11	)	)	PUNCT
amfbr-218	340	12	,	,	PUNCT
amfbr-218	340	13	with	with	ADP
amfbr-218	340	14	first	first	ADJ
amfbr-218	340	15	publication	publication	NOUN
amfbr-218	340	16	rights	right	NOUN
amfbr-218	340	17	granted	grant	VERB
amfbr-218	340	18	to	to	ADP
amfbr-218	340	19	the	the	DET
amfbr-218	340	20	journal	journal	NOUN
amfbr-218	340	21	.	.	PUNCT
amfbr-218	341	1	this	this	PRON
amfbr-218	341	2	is	be	AUX
amfbr-218	341	3	an	an	DET
amfbr-218	341	4	open	open	ADJ
amfbr-218	341	5	-	-	PUNCT
amfbr-218	341	6	access	access	NOUN
amfbr-218	341	7	article	article	NOUN
amfbr-218	341	8	distributed	distribute	VERB
amfbr-218	341	9	under	under	ADP
amfbr-218	341	10	the	the	DET
amfbr-218	341	11	terms	term	NOUN
amfbr-218	341	12	and	and	CCONJ
amfbr-218	341	13	conditions	condition	NOUN
amfbr-218	341	14	of	of	ADP
amfbr-218	341	15	the	the	DET
amfbr-218	341	16	creative	creative	ADJ
amfbr-218	341	17	commons	common	NOUN
amfbr-218	341	18	attribution	attribution	NOUN
amfbr-218	341	19	license	license	NOUN
amfbr-218	341	20	(	(	PUNCT
amfbr-218	341	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
amfbr-218	341	22	)	)	PUNCT