id	sid	tid	token	lemma	pos
aijbe-35	1	1	american	american	PROPN
aijbe-35	1	2	interdisciplinary	interdisciplinary	PROPN
aijbe-35	1	3	journal	journal	NOUN
aijbe-35	1	4	of	of	ADP
aijbe-35	1	5	business	business	NOUN
aijbe-35	1	6	and	and	CCONJ
aijbe-35	1	7	economics	economic	NOUN
aijbe-35	1	8	issn	issn	PROPN
aijbe-35	1	9	:	:	PUNCT
aijbe-35	1	10	2837	2837	NUM
aijbe-35	1	11	-	-	SYM
aijbe-35	1	12	1909|	1909|	NUM
aijbe-35	1	13	impact	impact	NOUN
aijbe-35	1	14	factor	factor	NOUN
aijbe-35	1	15	:	:	PUNCT
aijbe-35	1	16	6.72	6.72	NUM
aijbe-35	1	17	volume	volume	NOUN
aijbe-35	1	18	.	.	PUNCT
aijbe-35	2	1	10	10	NUM
aijbe-35	2	2	,	,	PUNCT
aijbe-35	2	3	number	number	NOUN
aijbe-35	2	4	2	2	NUM
aijbe-35	2	5	;	;	PUNCT
aijbe-35	2	6	april	april	PROPN
aijbe-35	2	7	-	-	PUNCT
aijbe-35	2	8	june	june	PROPN
aijbe-35	2	9	,	,	PUNCT
aijbe-35	2	10	2023	2023	NUM
aijbe-35	2	11	;	;	PUNCT
aijbe-35	2	12	published	publish	VERB
aijbe-35	2	13	by	by	ADP
aijbe-35	2	14	:	:	PUNCT
aijbe-35	2	15	scientific	scientific	ADJ
aijbe-35	2	16	and	and	CCONJ
aijbe-35	2	17	academic	academic	ADJ
aijbe-35	2	18	development	development	PROPN
aijbe-35	2	19	institute	institute	PROPN
aijbe-35	2	20	(	(	PUNCT
aijbe-35	2	21	sadi	sadi	PROPN
aijbe-35	2	22	)	)	PUNCT
aijbe-35	2	23	8933	8933	NUM
aijbe-35	3	1	willis	willis	PROPN
aijbe-35	3	2	ave	ave	PROPN
aijbe-35	3	3	los	los	PROPN
aijbe-35	3	4	angeles	angeles	PROPN
aijbe-35	3	5	,	,	PUNCT
aijbe-35	3	6	california	california	PROPN
aijbe-35	3	7	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADV
aijbe-35	4	1	|	|	ADV
aijbe-35	4	2	editorial@sadipub.com	editorial@sadipub.com	X
aijbe-35	4	3	52	52	NUM
aijbe-35	4	4	american	american	ADJ
aijbe-35	4	5	interdisciplinary	interdisciplinary	ADJ
aijbe-35	4	6	journal	journal	NOUN
aijbe-35	4	7	of	of	ADP
aijbe-35	4	8	business	business	NOUN
aijbe-35	4	9	and	and	CCONJ
aijbe-35	4	10	economics	economic	NOUN
aijbe-35	5	1	|	|	ADV
aijbe-35	5	2	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADP
aijbe-35	5	3	how	how	SCONJ
aijbe-35	5	4	electronic	electronic	ADJ
aijbe-35	5	5	banking	banking	NOUN
aijbe-35	5	6	has	have	AUX
aijbe-35	5	7	changed	change	VERB
aijbe-35	5	8	the	the	DET
aijbe-35	5	9	financial	financial	ADJ
aijbe-35	5	10	performance	performance	NOUN
aijbe-35	5	11	of	of	ADP
aijbe-35	5	12	nigerian	nigerian	ADJ
aijbe-35	5	13	deposits	deposit	NOUN
aijbe-35	6	1	money	money	NOUN
aijbe-35	6	2	banks	bank	NOUN
aijbe-35	6	3	muhammad	muhammad	PROPN
aijbe-35	6	4	aminu	aminu	PROPN
aijbe-35	6	5	isa	isa	PROPN
aijbe-35	6	6	department	department	PROPN
aijbe-35	6	7	of	of	ADP
aijbe-35	6	8	accounting	accounting	PROPN
aijbe-35	6	9	,	,	PUNCT
aijbe-35	6	10	bayero	bayero	ADJ
aijbe-35	6	11	university	university	NOUN
aijbe-35	6	12	abstract	abstract	NOUN
aijbe-35	6	13	:	:	PUNCT
aijbe-35	6	14	this	this	DET
aijbe-35	6	15	study	study	NOUN
aijbe-35	6	16	investigates	investigate	VERB
aijbe-35	6	17	the	the	DET
aijbe-35	6	18	impact	impact	NOUN
aijbe-35	6	19	of	of	ADP
aijbe-35	6	20	electronic	electronic	ADJ
aijbe-35	6	21	banking	banking	NOUN
aijbe-35	6	22	on	on	ADP
aijbe-35	6	23	the	the	DET
aijbe-35	6	24	financial	financial	ADJ
aijbe-35	6	25	performance	performance	NOUN
aijbe-35	6	26	of	of	ADP
aijbe-35	6	27	deposits	deposit	NOUN
aijbe-35	6	28	money	money	NOUN
aijbe-35	6	29	banks	bank	NOUN
aijbe-35	6	30	in	in	ADP
aijbe-35	6	31	nigeria	nigeria	PROPN
aijbe-35	6	32	.	.	PUNCT
aijbe-35	7	1	the	the	DET
aijbe-35	7	2	study	study	NOUN
aijbe-35	7	3	employs	employ	VERB
aijbe-35	7	4	a	a	DET
aijbe-35	7	5	descriptive	descriptive	ADJ
aijbe-35	7	6	analysis	analysis	NOUN
aijbe-35	7	7	using	use	VERB
aijbe-35	7	8	secondary	secondary	ADJ
aijbe-35	7	9	data	datum	NOUN
aijbe-35	7	10	from	from	ADP
aijbe-35	7	11	reports	report	NOUN
aijbe-35	7	12	and	and	CCONJ
aijbe-35	7	13	publications	publication	NOUN
aijbe-35	7	14	,	,	PUNCT
aijbe-35	7	15	and	and	CCONJ
aijbe-35	7	16	statistical	statistical	ADJ
aijbe-35	7	17	package	package	NOUN
aijbe-35	7	18	for	for	ADP
aijbe-35	7	19	the	the	DET
aijbe-35	7	20	social	social	ADJ
aijbe-35	7	21	sciences	science	NOUN
aijbe-35	7	22	to	to	PART
aijbe-35	7	23	analyze	analyze	VERB
aijbe-35	7	24	data	datum	NOUN
aijbe-35	7	25	.	.	PUNCT
aijbe-35	8	1	the	the	DET
aijbe-35	8	2	results	result	NOUN
aijbe-35	8	3	show	show	VERB
aijbe-35	8	4	that	that	SCONJ
aijbe-35	8	5	electronic	electronic	ADJ
aijbe-35	8	6	banking	banking	NOUN
aijbe-35	8	7	has	have	VERB
aijbe-35	8	8	a	a	DET
aijbe-35	8	9	positive	positive	ADJ
aijbe-35	8	10	influence	influence	NOUN
aijbe-35	8	11	on	on	ADP
aijbe-35	8	12	the	the	DET
aijbe-35	8	13	financial	financial	ADJ
aijbe-35	8	14	performance	performance	NOUN
aijbe-35	8	15	of	of	ADP
aijbe-35	8	16	nigeria	nigeria	PROPN
aijbe-35	8	17	’s	’s	PART
aijbe-35	8	18	commercial	commercial	ADJ
aijbe-35	8	19	banks	bank	NOUN
aijbe-35	8	20	.	.	PUNCT
aijbe-35	9	1	mobile	mobile	ADJ
aijbe-35	9	2	,	,	PUNCT
aijbe-35	9	3	internet	internet	NOUN
aijbe-35	9	4	banking	banking	NOUN
aijbe-35	9	5	,	,	PUNCT
aijbe-35	9	6	and	and	CCONJ
aijbe-35	9	7	the	the	DET
aijbe-35	9	8	use	use	NOUN
aijbe-35	9	9	of	of	ADP
aijbe-35	9	10	atm	atm	ADJ
aijbe-35	9	11	cards	card	NOUN
aijbe-35	9	12	significantly	significantly	ADV
aijbe-35	9	13	contribute	contribute	VERB
aijbe-35	9	14	to	to	ADP
aijbe-35	9	15	the	the	DET
aijbe-35	9	16	financial	financial	ADJ
aijbe-35	9	17	performance	performance	NOUN
aijbe-35	9	18	of	of	ADP
aijbe-35	9	19	nigeria	nigeria	PROPN
aijbe-35	9	20	’s	’s	PART
aijbe-35	9	21	deposits	deposit	NOUN
aijbe-35	9	22	money	money	NOUN
aijbe-35	9	23	banks	bank	NOUN
aijbe-35	9	24	.	.	PUNCT
aijbe-35	10	1	the	the	DET
aijbe-35	10	2	study	study	NOUN
aijbe-35	10	3	recommends	recommend	VERB
aijbe-35	10	4	that	that	SCONJ
aijbe-35	10	5	nigerian	nigerian	ADJ
aijbe-35	10	6	commercial	commercial	ADJ
aijbe-35	10	7	banks	bank	NOUN
aijbe-35	10	8	increase	increase	VERB
aijbe-35	10	9	their	their	PRON
aijbe-35	10	10	efforts	effort	NOUN
aijbe-35	10	11	towards	towards	ADP
aijbe-35	10	12	adopting	adopt	VERB
aijbe-35	10	13	e	e	NOUN
aijbe-35	10	14	-	-	NOUN
aijbe-35	10	15	banking	banking	NOUN
aijbe-35	10	16	to	to	PART
aijbe-35	10	17	automate	automate	VERB
aijbe-35	10	18	their	their	PRON
aijbe-35	10	19	service	service	NOUN
aijbe-35	10	20	delivery	delivery	NOUN
aijbe-35	10	21	to	to	ADP
aijbe-35	10	22	customers	customer	NOUN
aijbe-35	10	23	.	.	PUNCT
aijbe-35	11	1	furthermore	furthermore	ADV
aijbe-35	11	2	,	,	PUNCT
aijbe-35	11	3	industry	industry	NOUN
aijbe-35	11	4	policymakers	policymaker	NOUN
aijbe-35	11	5	and	and	CCONJ
aijbe-35	11	6	regulators	regulator	NOUN
aijbe-35	11	7	must	must	AUX
aijbe-35	11	8	acknowledge	acknowledge	VERB
aijbe-35	11	9	electronic	electronic	ADJ
aijbe-35	11	10	banking	banking	NOUN
aijbe-35	11	11	as	as	ADP
aijbe-35	11	12	a	a	DET
aijbe-35	11	13	major	major	ADJ
aijbe-35	11	14	input	input	NOUN
aijbe-35	11	15	when	when	SCONJ
aijbe-35	11	16	crafting	craft	VERB
aijbe-35	11	17	guidelines	guideline	NOUN
aijbe-35	11	18	to	to	PART
aijbe-35	11	19	regulate	regulate	VERB
aijbe-35	11	20	the	the	DET
aijbe-35	11	21	industry	industry	NOUN
aijbe-35	11	22	.	.	PUNCT
aijbe-35	12	1	keywords	keyword	NOUN
aijbe-35	12	2	:	:	PUNCT
aijbe-35	12	3	electronics	electronic	NOUN
aijbe-35	12	4	banking	banking	NOUN
aijbe-35	12	5	,	,	PUNCT
aijbe-35	12	6	financial	financial	ADJ
aijbe-35	12	7	performance	performance	NOUN
aijbe-35	12	8	,	,	PUNCT
aijbe-35	12	9	mobile	mobile	ADJ
aijbe-35	12	10	banking	banking	NOUN
aijbe-35	12	11	,	,	PUNCT
aijbe-35	12	12	internet	internet	NOUN
aijbe-35	12	13	banking	banking	NOUN
aijbe-35	12	14	,	,	PUNCT
aijbe-35	12	15	atm	atm	PROPN
aijbe-35	12	16	cards	card	NOUN
aijbe-35	12	17	.	.	PUNCT
aijbe-35	13	1	introduction	introduction	NOUN
aijbe-35	13	2	in	in	ADP
aijbe-35	13	3	recent	recent	ADJ
aijbe-35	13	4	years	year	NOUN
aijbe-35	13	5	,	,	PUNCT
aijbe-35	13	6	electronic	electronic	ADJ
aijbe-35	13	7	banking	banking	NOUN
aijbe-35	13	8	has	have	AUX
aijbe-35	13	9	been	be	AUX
aijbe-35	13	10	highly	highly	ADV
aijbe-35	13	11	appreciated	appreciated	ADJ
aijbe-35	13	12	in	in	ADP
aijbe-35	13	13	the	the	DET
aijbe-35	13	14	banking	banking	NOUN
aijbe-35	13	15	sector	sector	NOUN
aijbe-35	13	16	service	service	NOUN
aijbe-35	13	17	provision	provision	NOUN
aijbe-35	13	18	,	,	PUNCT
aijbe-35	13	19	especially	especially	ADV
aijbe-35	13	20	in	in	ADP
aijbe-35	13	21	online	online	ADJ
aijbe-35	13	22	banking	banking	NOUN
aijbe-35	13	23	services	service	NOUN
aijbe-35	13	24	.	.	PUNCT
aijbe-35	14	1	developing	develop	VERB
aijbe-35	14	2	countries	country	NOUN
aijbe-35	14	3	like	like	ADP
aijbe-35	14	4	nigeria	nigeria	PROPN
aijbe-35	14	5	have	have	AUX
aijbe-35	14	6	witnessed	witness	VERB
aijbe-35	14	7	an	an	DET
aijbe-35	14	8	immense	immense	ADJ
aijbe-35	14	9	transformation	transformation	NOUN
aijbe-35	14	10	in	in	ADP
aijbe-35	14	11	their	their	PRON
aijbe-35	14	12	banking	banking	NOUN
aijbe-35	14	13	system	system	NOUN
aijbe-35	14	14	,	,	PUNCT
aijbe-35	14	15	with	with	ADP
aijbe-35	14	16	the	the	DET
aijbe-35	14	17	introduction	introduction	NOUN
aijbe-35	14	18	of	of	ADP
aijbe-35	14	19	electronic	electronic	ADJ
aijbe-35	14	20	banking	banking	NOUN
aijbe-35	14	21	,	,	PUNCT
aijbe-35	14	22	online	online	ADJ
aijbe-35	14	23	transactions	transaction	NOUN
aijbe-35	14	24	,	,	PUNCT
aijbe-35	14	25	mobile	mobile	ADJ
aijbe-35	14	26	banking	banking	NOUN
aijbe-35	14	27	,	,	PUNCT
aijbe-35	14	28	and	and	CCONJ
aijbe-35	14	29	automated	automate	VERB
aijbe-35	14	30	teller	teller	NOUN
aijbe-35	14	31	machines	machine	NOUN
aijbe-35	14	32	(	(	PUNCT
aijbe-35	14	33	atms	atms	PROPN
aijbe-35	14	34	)	)	PUNCT
aijbe-35	14	35	.	.	PUNCT
aijbe-35	15	1	the	the	DET
aijbe-35	15	2	rapid	rapid	ADJ
aijbe-35	15	3	growth	growth	NOUN
aijbe-35	15	4	in	in	ADP
aijbe-35	15	5	e	e	NOUN
aijbe-35	15	6	-	-	ADJ
aijbe-35	15	7	banking	banking	ADJ
aijbe-35	15	8	services	service	NOUN
aijbe-35	15	9	by	by	ADP
aijbe-35	15	10	commercial	commercial	ADJ
aijbe-35	15	11	banks	bank	NOUN
aijbe-35	15	12	in	in	ADP
aijbe-35	15	13	nigeria	nigeria	PROPN
aijbe-35	15	14	is	be	AUX
aijbe-35	15	15	due	due	ADJ
aijbe-35	15	16	to	to	ADP
aijbe-35	15	17	its	its	PRON
aijbe-35	15	18	operational	operational	ADJ
aijbe-35	15	19	efficiency	efficiency	NOUN
aijbe-35	15	20	,	,	PUNCT
aijbe-35	15	21	cost	cost	NOUN
aijbe-35	15	22	advantage	advantage	NOUN
aijbe-35	15	23	,	,	PUNCT
aijbe-35	15	24	and	and	CCONJ
aijbe-35	15	25	convenience	convenience	NOUN
aijbe-35	15	26	.	.	PUNCT
aijbe-35	16	1	the	the	DET
aijbe-35	16	2	implementation	implementation	NOUN
aijbe-35	16	3	of	of	ADP
aijbe-35	16	4	e	e	NOUN
aijbe-35	16	5	-	-	NOUN
aijbe-35	16	6	banking	banking	NOUN
aijbe-35	16	7	has	have	AUX
aijbe-35	16	8	brought	bring	VERB
aijbe-35	16	9	a	a	DET
aijbe-35	16	10	new	new	ADJ
aijbe-35	16	11	dimension	dimension	NOUN
aijbe-35	16	12	and	and	CCONJ
aijbe-35	16	13	paradigm	paradigm	NOUN
aijbe-35	16	14	shift	shift	NOUN
aijbe-35	16	15	in	in	ADP
aijbe-35	16	16	the	the	DET
aijbe-35	16	17	banking	banking	NOUN
aijbe-35	16	18	sector	sector	NOUN
aijbe-35	16	19	.	.	PUNCT
aijbe-35	17	1	this	this	DET
aijbe-35	17	2	study	study	NOUN
aijbe-35	17	3	aims	aim	VERB
aijbe-35	17	4	to	to	PART
aijbe-35	17	5	examine	examine	VERB
aijbe-35	17	6	the	the	DET
aijbe-35	17	7	effect	effect	NOUN
aijbe-35	17	8	of	of	ADP
aijbe-35	17	9	e	e	NOUN
aijbe-35	17	10	-	-	NOUN
aijbe-35	17	11	banking	banking	NOUN
aijbe-35	17	12	on	on	ADP
aijbe-35	17	13	the	the	DET
aijbe-35	17	14	financial	financial	ADJ
aijbe-35	17	15	performance	performance	NOUN
aijbe-35	17	16	of	of	ADP
aijbe-35	17	17	nigerian	nigerian	ADJ
aijbe-35	17	18	commercial	commercial	ADJ
aijbe-35	17	19	banks	bank	NOUN
aijbe-35	17	20	.	.	PUNCT
aijbe-35	18	1	the	the	DET
aijbe-35	18	2	study	study	NOUN
aijbe-35	18	3	relies	rely	VERB
aijbe-35	18	4	on	on	ADP
aijbe-35	18	5	a	a	DET
aijbe-35	18	6	descriptive	descriptive	ADJ
aijbe-35	18	7	analysis	analysis	NOUN
aijbe-35	18	8	using	use	VERB
aijbe-35	18	9	secondary	secondary	ADJ
aijbe-35	18	10	data	datum	NOUN
aijbe-35	18	11	from	from	ADP
aijbe-35	18	12	reports	report	NOUN
aijbe-35	18	13	and	and	CCONJ
aijbe-35	18	14	publications	publication	NOUN
aijbe-35	18	15	.	.	PUNCT
aijbe-35	19	1	the	the	DET
aijbe-35	19	2	data	datum	NOUN
aijbe-35	19	3	was	be	AUX
aijbe-35	19	4	analyzed	analyze	VERB
aijbe-35	19	5	using	use	VERB
aijbe-35	19	6	the	the	DET
aijbe-35	19	7	statistical	statistical	ADJ
aijbe-35	19	8	package	package	NOUN
aijbe-35	19	9	for	for	ADP
aijbe-35	19	10	the	the	DET
aijbe-35	19	11	social	social	ADJ
aijbe-35	19	12	sciences	science	NOUN
aijbe-35	19	13	.	.	PUNCT
aijbe-35	20	1	the	the	DET
aijbe-35	20	2	study	study	NOUN
aijbe-35	20	3	examines	examine	VERB
aijbe-35	20	4	the	the	DET
aijbe-35	20	5	relationship	relationship	NOUN
aijbe-35	20	6	between	between	ADP
aijbe-35	20	7	mobile	mobile	ADJ
aijbe-35	20	8	banking	banking	NOUN
aijbe-35	20	9	,	,	PUNCT
aijbe-35	20	10	internet	internet	NOUN
aijbe-35	20	11	banking	banking	NOUN
aijbe-35	20	12	,	,	PUNCT
aijbe-35	20	13	and	and	CCONJ
aijbe-35	20	14	the	the	DET
aijbe-35	20	15	use	use	NOUN
aijbe-35	20	16	of	of	ADP
aijbe-35	20	17	atm	atm	ADJ
aijbe-35	20	18	cards	card	NOUN
aijbe-35	20	19	on	on	ADP
aijbe-35	20	20	the	the	DET
aijbe-35	20	21	financial	financial	ADJ
aijbe-35	20	22	performance	performance	NOUN
aijbe-35	20	23	of	of	ADP
aijbe-35	20	24	deposits	deposit	NOUN
aijbe-35	20	25	money	money	NOUN
aijbe-35	20	26	banks	bank	NOUN
aijbe-35	20	27	in	in	ADP
aijbe-35	20	28	nigeria	nigeria	PROPN
aijbe-35	20	29	.	.	PUNCT
aijbe-35	21	1	the	the	DET
aijbe-35	21	2	study	study	NOUN
aijbe-35	21	3	findings	finding	NOUN
aijbe-35	21	4	reveal	reveal	VERB
aijbe-35	21	5	that	that	SCONJ
aijbe-35	21	6	e	e	NOUN
aijbe-35	21	7	-	-	NOUN
aijbe-35	21	8	banking	banking	NOUN
aijbe-35	21	9	significantly	significantly	ADV
aijbe-35	21	10	contributes	contribute	VERB
aijbe-35	21	11	to	to	ADP
aijbe-35	21	12	the	the	DET
aijbe-35	21	13	financial	financial	ADJ
aijbe-35	21	14	performance	performance	NOUN
aijbe-35	21	15	of	of	ADP
aijbe-35	21	16	nigeria	nigeria	PROPN
aijbe-35	21	17	’s	’s	PART
aijbe-35	21	18	commercial	commercial	ADJ
aijbe-35	21	19	banks	bank	NOUN
aijbe-35	21	20	,	,	PUNCT
aijbe-35	21	21	as	as	SCONJ
aijbe-35	21	22	measured	measure	VERB
aijbe-35	21	23	by	by	ADP
aijbe-35	21	24	the	the	DET
aijbe-35	21	25	return	return	NOUN
aijbe-35	21	26	on	on	ADP
aijbe-35	21	27	assets	asset	NOUN
aijbe-35	21	28	.	.	PUNCT
aijbe-35	22	1	e	e	X
aijbe-35	22	2	-	-	NOUN
aijbe-35	22	3	banking	banking	NOUN
aijbe-35	22	4	,	,	PUNCT
aijbe-35	22	5	which	which	PRON
aijbe-35	22	6	comprises	comprise	VERB
aijbe-35	22	7	mobile	mobile	ADJ
aijbe-35	22	8	banking	banking	NOUN
aijbe-35	22	9	,	,	PUNCT
aijbe-35	22	10	internet	internet	NOUN
aijbe-35	22	11	banking	banking	NOUN
aijbe-35	22	12	,	,	PUNCT
aijbe-35	22	13	and	and	CCONJ
aijbe-35	22	14	the	the	DET
aijbe-35	22	15	use	use	NOUN
aijbe-35	22	16	of	of	ADP
aijbe-35	22	17	atm	atm	ADJ
aijbe-35	22	18	cards	card	NOUN
aijbe-35	22	19	,	,	PUNCT
aijbe-35	22	20	has	have	AUX
aijbe-35	22	21	become	become	VERB
aijbe-35	22	22	a	a	DET
aijbe-35	22	23	crucial	crucial	ADJ
aijbe-35	22	24	component	component	NOUN
aijbe-35	22	25	of	of	ADP
aijbe-35	22	26	the	the	DET
aijbe-35	22	27	nigerian	nigerian	ADJ
aijbe-35	22	28	banking	banking	NOUN
aijbe-35	22	29	sector	sector	NOUN
aijbe-35	22	30	.	.	PUNCT
aijbe-35	23	1	the	the	DET
aijbe-35	23	2	study	study	NOUN
aijbe-35	23	3	recommends	recommend	VERB
aijbe-35	23	4	that	that	SCONJ
aijbe-35	23	5	nigerian	nigerian	ADJ
aijbe-35	23	6	commercial	commercial	ADJ
aijbe-35	23	7	banks	bank	NOUN
aijbe-35	23	8	and	and	CCONJ
aijbe-35	23	9	policymakers	policymaker	NOUN
aijbe-35	23	10	increase	increase	VERB
aijbe-35	23	11	their	their	PRON
aijbe-35	23	12	efforts	effort	NOUN
aijbe-35	23	13	towards	towards	ADP
aijbe-35	23	14	adopting	adopt	VERB
aijbe-35	23	15	mailto:editorial@sadipub.com	mailto:editorial@sadipub.com	PROPN
aijbe-35	23	16	muhammad	muhammad	PROPN
aijbe-35	23	17	aminu	aminu	PROPN
aijbe-35	23	18	isa	isa	PROPN
aijbe-35	23	19	(	(	PUNCT
aijbe-35	23	20	2023	2023	NUM
aijbe-35	23	21	)	)	PUNCT
aijbe-35	23	22	53	53	NUM
aijbe-35	23	23	american	american	ADJ
aijbe-35	23	24	interdisciplinary	interdisciplinary	ADJ
aijbe-35	23	25	journal	journal	NOUN
aijbe-35	23	26	of	of	ADP
aijbe-35	23	27	business	business	NOUN
aijbe-35	23	28	and	and	CCONJ
aijbe-35	23	29	economics	economic	NOUN
aijbe-35	23	30	|	|	ADV
aijbe-35	23	31	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADV
aijbe-35	23	32	ebanking	ebanke	VERB
aijbe-35	23	33	to	to	PART
aijbe-35	23	34	automate	automate	VERB
aijbe-35	23	35	their	their	PRON
aijbe-35	23	36	service	service	NOUN
aijbe-35	23	37	delivery	delivery	NOUN
aijbe-35	23	38	to	to	ADP
aijbe-35	23	39	customers	customer	NOUN
aijbe-35	23	40	.	.	PUNCT
aijbe-35	24	1	furthermore	furthermore	ADV
aijbe-35	24	2	,	,	PUNCT
aijbe-35	24	3	industry	industry	NOUN
aijbe-35	24	4	regulators	regulator	NOUN
aijbe-35	24	5	must	must	AUX
aijbe-35	24	6	consider	consider	VERB
aijbe-35	24	7	ebanking	ebanke	VERB
aijbe-35	24	8	as	as	ADP
aijbe-35	24	9	a	a	DET
aijbe-35	24	10	major	major	ADJ
aijbe-35	24	11	input	input	NOUN
aijbe-35	24	12	when	when	SCONJ
aijbe-35	24	13	crafting	craft	VERB
aijbe-35	24	14	guidelines	guideline	NOUN
aijbe-35	24	15	to	to	PART
aijbe-35	24	16	regulate	regulate	VERB
aijbe-35	24	17	the	the	DET
aijbe-35	24	18	industry	industry	NOUN
aijbe-35	24	19	.	.	PUNCT
aijbe-35	25	1	in	in	ADP
aijbe-35	25	2	conclusion	conclusion	NOUN
aijbe-35	25	3	,	,	PUNCT
aijbe-35	25	4	the	the	DET
aijbe-35	25	5	study	study	NOUN
aijbe-35	25	6	provides	provide	VERB
aijbe-35	25	7	insights	insight	NOUN
aijbe-35	25	8	into	into	ADP
aijbe-35	25	9	the	the	DET
aijbe-35	25	10	impact	impact	NOUN
aijbe-35	25	11	of	of	ADP
aijbe-35	25	12	electronic	electronic	ADJ
aijbe-35	25	13	banking	banking	NOUN
aijbe-35	25	14	on	on	ADP
aijbe-35	25	15	the	the	DET
aijbe-35	25	16	financial	financial	ADJ
aijbe-35	25	17	performance	performance	NOUN
aijbe-35	25	18	of	of	ADP
aijbe-35	25	19	nigeria	nigeria	PROPN
aijbe-35	25	20	’s	’s	PART
aijbe-35	25	21	commercial	commercial	ADJ
aijbe-35	25	22	banks	bank	NOUN
aijbe-35	25	23	.	.	PUNCT
aijbe-35	26	1	the	the	DET
aijbe-35	26	2	study	study	NOUN
aijbe-35	26	3	contributes	contribute	VERB
aijbe-35	26	4	to	to	ADP
aijbe-35	26	5	the	the	DET
aijbe-35	26	6	existing	exist	VERB
aijbe-35	26	7	literature	literature	NOUN
aijbe-35	26	8	on	on	ADP
aijbe-35	26	9	e	e	NOUN
aijbe-35	26	10	-	-	NOUN
aijbe-35	26	11	banking	banking	NOUN
aijbe-35	26	12	and	and	CCONJ
aijbe-35	26	13	provides	provide	VERB
aijbe-35	26	14	practical	practical	ADJ
aijbe-35	26	15	implications	implication	NOUN
aijbe-35	26	16	for	for	ADP
aijbe-35	26	17	the	the	DET
aijbe-35	26	18	nigerian	nigerian	ADJ
aijbe-35	26	19	banking	banking	NOUN
aijbe-35	26	20	industry	industry	NOUN
aijbe-35	26	21	.	.	PUNCT
aijbe-35	27	1	the	the	DET
aijbe-35	27	2	findings	finding	NOUN
aijbe-35	27	3	of	of	ADP
aijbe-35	27	4	the	the	DET
aijbe-35	27	5	study	study	NOUN
aijbe-35	27	6	provide	provide	VERB
aijbe-35	27	7	evidence	evidence	NOUN
aijbe-35	27	8	for	for	ADP
aijbe-35	27	9	policymakers	policymaker	NOUN
aijbe-35	27	10	and	and	CCONJ
aijbe-35	27	11	commercial	commercial	ADJ
aijbe-35	27	12	banks	bank	NOUN
aijbe-35	27	13	to	to	PART
aijbe-35	27	14	pay	pay	VERB
aijbe-35	27	15	more	more	ADJ
aijbe-35	27	16	attention	attention	NOUN
aijbe-35	27	17	to	to	ADP
aijbe-35	27	18	electronic	electronic	ADJ
aijbe-35	27	19	banking	banking	NOUN
aijbe-35	27	20	as	as	ADP
aijbe-35	27	21	a	a	DET
aijbe-35	27	22	crucial	crucial	ADJ
aijbe-35	27	23	component	component	NOUN
aijbe-35	27	24	of	of	ADP
aijbe-35	27	25	their	their	PRON
aijbe-35	27	26	operations	operation	NOUN
aijbe-35	27	27	.	.	PUNCT
aijbe-35	28	1	2	2	X
aijbe-35	28	2	.	.	X
aijbe-35	28	3	literature	literature	NOUN
aijbe-35	28	4	review	review	VERB
aijbe-35	28	5	2.1	2.1	NUM
aijbe-35	28	6	banking	banking	NOUN
aijbe-35	28	7	sector	sector	NOUN
aijbe-35	28	8	in	in	ADP
aijbe-35	28	9	nigeria	nigeria	PROPN
aijbe-35	28	10	banking	banking	NOUN
aijbe-35	28	11	industry	industry	NOUN
aijbe-35	28	12	in	in	ADP
aijbe-35	28	13	nigeria	nigeria	PROPN
aijbe-35	28	14	started	start	VERB
aijbe-35	28	15	during	during	ADP
aijbe-35	28	16	the	the	DET
aijbe-35	28	17	colonial	colonial	ADJ
aijbe-35	28	18	era	era	NOUN
aijbe-35	28	19	with	with	ADP
aijbe-35	28	20	the	the	DET
aijbe-35	28	21	establishment	establishment	NOUN
aijbe-35	28	22	of	of	ADP
aijbe-35	28	23	colonial	colonial	ADJ
aijbe-35	28	24	banks	bank	NOUN
aijbe-35	28	25	with	with	ADP
aijbe-35	28	26	the	the	DET
aijbe-35	28	27	primary	primary	ADJ
aijbe-35	28	28	aim	aim	NOUN
aijbe-35	28	29	of	of	ADP
aijbe-35	28	30	meeting	meet	VERB
aijbe-35	28	31	the	the	DET
aijbe-35	28	32	commercial	commercial	ADJ
aijbe-35	28	33	needs	need	NOUN
aijbe-35	28	34	of	of	ADP
aijbe-35	28	35	the	the	DET
aijbe-35	28	36	colonial	colonial	ADJ
aijbe-35	28	37	government	government	NOUN
aijbe-35	28	38	.	.	PUNCT
aijbe-35	29	1	banking	banking	NOUN
aijbe-35	29	2	system	system	NOUN
aijbe-35	29	3	in	in	ADP
aijbe-35	29	4	nigeria	nigeria	PROPN
aijbe-35	29	5	is	be	AUX
aijbe-35	29	6	regulated	regulate	VERB
aijbe-35	29	7	through	through	ADP
aijbe-35	29	8	the	the	DET
aijbe-35	29	9	central	central	ADJ
aijbe-35	29	10	bank	bank	PROPN
aijbe-35	29	11	of	of	ADP
aijbe-35	29	12	nigeria	nigeria	PROPN
aijbe-35	29	13	.	.	PUNCT
aijbe-35	30	1	this	this	DET
aijbe-35	30	2	apex	apex	PROPN
aijbe-35	30	3	bank	bank	PROPN
aijbe-35	30	4	started	start	VERB
aijbe-35	30	5	operation	operation	NOUN
aijbe-35	30	6	on	on	ADP
aijbe-35	30	7	july	july	PROPN
aijbe-35	30	8	1	1	NUM
aijbe-35	30	9	,	,	PUNCT
aijbe-35	30	10	1959	1959	NUM
aijbe-35	30	11	.	.	PUNCT
aijbe-35	31	1	in	in	ADP
aijbe-35	31	2	1892	1892	NUM
aijbe-35	31	3	,	,	PUNCT
aijbe-35	31	4	african	african	ADJ
aijbe-35	31	5	banking	banking	NOUN
aijbe-35	31	6	corporation	corporation	PROPN
aijbe-35	31	7	and	and	CCONJ
aijbe-35	31	8	british	british	PROPN
aijbe-35	31	9	west	west	PROPN
aijbe-35	31	10	africa	africa	PROPN
aijbe-35	31	11	,	,	PUNCT
aijbe-35	31	12	now	now	ADV
aijbe-35	31	13	first	first	ADJ
aijbe-35	31	14	bank	bank	PROPN
aijbe-35	31	15	of	of	ADP
aijbe-35	31	16	nigeria	nigeria	PROPN
aijbe-35	31	17	,	,	PUNCT
aijbe-35	31	18	were	be	AUX
aijbe-35	31	19	established	establish	VERB
aijbe-35	31	20	in	in	ADP
aijbe-35	31	21	nigeria	nigeria	PROPN
aijbe-35	31	22	.	.	PUNCT
aijbe-35	32	1	in	in	ADP
aijbe-35	32	2	1925	1925	NUM
aijbe-35	32	3	,	,	PUNCT
aijbe-35	32	4	anglo	anglo	ADJ
aijbe-35	32	5	-	-	PUNCT
aijbe-35	32	6	egyptian	egyptian	ADJ
aijbe-35	32	7	bank	bank	PROPN
aijbe-35	32	8	and	and	CCONJ
aijbe-35	32	9	national	national	PROPN
aijbe-35	32	10	bank	bank	PROPN
aijbe-35	32	11	of	of	ADP
aijbe-35	32	12	south	south	PROPN
aijbe-35	32	13	africa	africa	PROPN
aijbe-35	32	14	gave	give	VERB
aijbe-35	32	15	birth	birth	NOUN
aijbe-35	32	16	to	to	ADP
aijbe-35	32	17	barclays	barclay	NOUN
aijbe-35	32	18	bank	bank	PROPN
aijbe-35	32	19	in	in	ADP
aijbe-35	32	20	nigeria	nigeria	PROPN
aijbe-35	32	21	.	.	PUNCT
aijbe-35	33	1	in	in	ADP
aijbe-35	33	2	1948	1948	NUM
aijbe-35	33	3	,	,	PUNCT
aijbe-35	33	4	the	the	DET
aijbe-35	33	5	british	british	ADJ
aijbe-35	33	6	and	and	CCONJ
aijbe-35	33	7	french	french	ADJ
aijbe-35	33	8	bank	bank	PROPN
aijbe-35	33	9	for	for	ADP
aijbe-35	33	10	commerce	commerce	NOUN
aijbe-35	33	11	and	and	CCONJ
aijbe-35	33	12	industry	industry	NOUN
aijbe-35	33	13	started	start	VERB
aijbe-35	33	14	operations	operation	NOUN
aijbe-35	33	15	in	in	ADP
aijbe-35	33	16	nigeria	nigeria	PROPN
aijbe-35	33	17	,	,	PUNCT
aijbe-35	33	18	which	which	PRON
aijbe-35	33	19	metamorphosed	metamorphose	VERB
aijbe-35	33	20	into	into	ADP
aijbe-35	33	21	the	the	DET
aijbe-35	33	22	united	united	PROPN
aijbe-35	33	23	bank	bank	PROPN
aijbe-35	33	24	for	for	ADP
aijbe-35	33	25	africa	africa	PROPN
aijbe-35	33	26	.	.	PUNCT
aijbe-35	34	1	the	the	DET
aijbe-35	34	2	first	first	ADJ
aijbe-35	34	3	domestic	domestic	ADJ
aijbe-35	34	4	bank	bank	NOUN
aijbe-35	34	5	in	in	ADP
aijbe-35	34	6	nigeria	nigeria	PROPN
aijbe-35	34	7	was	be	AUX
aijbe-35	34	8	established	establish	VERB
aijbe-35	34	9	in	in	ADP
aijbe-35	34	10	1929	1929	NUM
aijbe-35	34	11	and	and	CCONJ
aijbe-35	34	12	called	call	VERB
aijbe-35	34	13	industrial	industrial	ADJ
aijbe-35	34	14	and	and	CCONJ
aijbe-35	34	15	commercial	commercial	ADJ
aijbe-35	34	16	bank	bank	NOUN
aijbe-35	34	17	.	.	PUNCT
aijbe-35	35	1	the	the	DET
aijbe-35	35	2	bank	bank	NOUN
aijbe-35	35	3	liquidated	liquidate	VERB
aijbe-35	35	4	in	in	ADP
aijbe-35	35	5	1930	1930	NUM
aijbe-35	35	6	and	and	CCONJ
aijbe-35	35	7	was	be	AUX
aijbe-35	35	8	replaced	replace	VERB
aijbe-35	35	9	by	by	ADP
aijbe-35	35	10	mercantile	mercantile	PROPN
aijbe-35	35	11	bank	bank	PROPN
aijbe-35	35	12	in	in	ADP
aijbe-35	35	13	1931	1931	NUM
aijbe-35	35	14	.	.	PUNCT
aijbe-35	36	1	the	the	DET
aijbe-35	36	2	african	african	PROPN
aijbe-35	36	3	continental	continental	PROPN
aijbe-35	36	4	bank	bank	PROPN
aijbe-35	36	5	was	be	AUX
aijbe-35	36	6	created	create	VERB
aijbe-35	36	7	in	in	ADP
aijbe-35	36	8	1949	1949	NUM
aijbe-35	36	9	as	as	ADP
aijbe-35	36	10	the	the	DET
aijbe-35	36	11	only	only	ADJ
aijbe-35	36	12	sustainable	sustainable	ADJ
aijbe-35	36	13	indigenous	indigenous	ADJ
aijbe-35	36	14	bank	bank	NOUN
aijbe-35	36	15	after	after	ADP
aijbe-35	36	16	the	the	DET
aijbe-35	36	17	liquidation	liquidation	NOUN
aijbe-35	36	18	of	of	ADP
aijbe-35	36	19	the	the	DET
aijbe-35	36	20	industrial	industrial	ADJ
aijbe-35	36	21	and	and	CCONJ
aijbe-35	36	22	commercial	commercial	ADJ
aijbe-35	36	23	bank	bank	NOUN
aijbe-35	36	24	.	.	PUNCT
aijbe-35	37	1	the	the	DET
aijbe-35	37	2	year	year	NOUN
aijbe-35	37	3	1947	1947	NUM
aijbe-35	37	4	,	,	PUNCT
aijbe-35	37	5	shows	show	VERB
aijbe-35	37	6	the	the	DET
aijbe-35	37	7	emergence	emergence	NOUN
aijbe-35	37	8	of	of	ADP
aijbe-35	37	9	an	an	DET
aijbe-35	37	10	agricultural	agricultural	ADJ
aijbe-35	37	11	bank	bank	NOUN
aijbe-35	37	12	called	call	VERB
aijbe-35	37	13	the	the	DET
aijbe-35	37	14	nigerian	nigerian	ADJ
aijbe-35	37	15	farmers	farmer	NOUN
aijbe-35	37	16	and	and	CCONJ
aijbe-35	37	17	commercial	commercial	ADJ
aijbe-35	37	18	bank.the	bank.the	DET
aijbe-35	37	19	central	central	PROPN
aijbe-35	37	20	bank	bank	PROPN
aijbe-35	37	21	of	of	ADP
aijbe-35	37	22	nigeria	nigeria	PROPN
aijbe-35	37	23	(	(	PUNCT
aijbe-35	37	24	cbn	cbn	PROPN
aijbe-35	37	25	)	)	PUNCT
aijbe-35	37	26	is	be	AUX
aijbe-35	37	27	the	the	DET
aijbe-35	37	28	central	central	ADJ
aijbe-35	37	29	bank	bank	PROPN
aijbe-35	37	30	and	and	CCONJ
aijbe-35	37	31	apex	apex	VERB
aijbe-35	37	32	monetary	monetary	ADJ
aijbe-35	37	33	authority	authority	NOUN
aijbe-35	37	34	of	of	ADP
aijbe-35	37	35	nigeria	nigeria	PROPN
aijbe-35	37	36	established	establish	VERB
aijbe-35	37	37	by	by	ADP
aijbe-35	37	38	the	the	DET
aijbe-35	37	39	cbn	cbn	PROPN
aijbe-35	37	40	act	act	NOUN
aijbe-35	37	41	of	of	ADP
aijbe-35	37	42	1958	1958	NUM
aijbe-35	37	43	and	and	CCONJ
aijbe-35	37	44	commenced	commence	VERB
aijbe-35	37	45	operations	operation	NOUN
aijbe-35	37	46	on	on	ADP
aijbe-35	37	47	july	july	PROPN
aijbe-35	37	48	1	1	NUM
aijbe-35	37	49	,	,	PUNCT
aijbe-35	37	50	1959	1959	NUM
aijbe-35	37	51	.	.	PUNCT
aijbe-35	38	1	central	central	ADJ
aijbe-35	38	2	bank	bank	PROPN
aijbe-35	38	3	of	of	ADP
aijbe-35	38	4	nigeria	nigeria	PROPN
aijbe-35	38	5	(	(	PUNCT
aijbe-35	38	6	cbn	cbn	PROPN
aijbe-35	38	7	)	)	PUNCT
aijbe-35	38	8	is	be	AUX
aijbe-35	38	9	the	the	DET
aijbe-35	38	10	major	major	ADJ
aijbe-35	38	11	regulatory	regulatory	ADJ
aijbe-35	38	12	objectives	objective	NOUN
aijbe-35	38	13	of	of	ADP
aijbe-35	38	14	the	the	DET
aijbe-35	38	15	bank	bank	NOUN
aijbe-35	38	16	as	as	SCONJ
aijbe-35	38	17	stated	state	VERB
aijbe-35	38	18	in	in	ADP
aijbe-35	38	19	the	the	DET
aijbe-35	38	20	cbn	cbn	PROPN
aijbe-35	38	21	act	act	NOUN
aijbe-35	38	22	are	be	AUX
aijbe-35	38	23	to	to	PART
aijbe-35	38	24	:	:	PUNCT
aijbe-35	38	25	maintain	maintain	VERB
aijbe-35	38	26	the	the	DET
aijbe-35	38	27	external	external	ADJ
aijbe-35	38	28	reserves	reserve	NOUN
aijbe-35	38	29	of	of	ADP
aijbe-35	38	30	the	the	DET
aijbe-35	38	31	country	country	NOUN
aijbe-35	38	32	,	,	PUNCT
aijbe-35	38	33	promote	promote	VERB
aijbe-35	38	34	monetary	monetary	ADJ
aijbe-35	38	35	stability	stability	NOUN
aijbe-35	38	36	and	and	CCONJ
aijbe-35	38	37	a	a	DET
aijbe-35	38	38	sound	sound	ADJ
aijbe-35	38	39	financial	financial	ADJ
aijbe-35	38	40	environment	environment	NOUN
aijbe-35	38	41	,	,	PUNCT
aijbe-35	38	42	and	and	CCONJ
aijbe-35	38	43	to	to	PART
aijbe-35	38	44	act	act	VERB
aijbe-35	38	45	as	as	ADP
aijbe-35	38	46	a	a	DET
aijbe-35	38	47	banker	banker	NOUN
aijbe-35	38	48	of	of	ADP
aijbe-35	38	49	last	last	ADJ
aijbe-35	38	50	resort	resort	NOUN
aijbe-35	38	51	and	and	CCONJ
aijbe-35	38	52	financial	financial	ADJ
aijbe-35	38	53	adviser	adviser	NOUN
aijbe-35	38	54	to	to	ADP
aijbe-35	38	55	the	the	DET
aijbe-35	38	56	federal	federal	ADJ
aijbe-35	38	57	government	government	NOUN
aijbe-35	38	58	.	.	PUNCT
aijbe-35	39	1	the	the	DET
aijbe-35	39	2	central	central	PROPN
aijbe-35	39	3	bank	bank	NOUN
aijbe-35	39	4	's	's	PART
aijbe-35	39	5	role	role	NOUN
aijbe-35	39	6	as	as	ADP
aijbe-35	39	7	lender	lender	NOUN
aijbe-35	39	8	of	of	ADP
aijbe-35	39	9	last	last	ADJ
aijbe-35	39	10	resort	resort	NOUN
aijbe-35	39	11	and	and	CCONJ
aijbe-35	39	12	adviser	adviser	NOUN
aijbe-35	39	13	to	to	ADP
aijbe-35	39	14	the	the	DET
aijbe-35	39	15	federal	federal	ADJ
aijbe-35	39	16	government	government	NOUN
aijbe-35	39	17	has	have	AUX
aijbe-35	39	18	sometimes	sometimes	ADV
aijbe-35	39	19	pushed	push	VERB
aijbe-35	39	20	it	it	PRON
aijbe-35	39	21	into	into	ADP
aijbe-35	39	22	murky	murky	ADJ
aijbe-35	39	23	regulatory	regulatory	ADJ
aijbe-35	39	24	waters	water	NOUN
aijbe-35	39	25	.	.	PUNCT
aijbe-35	40	1	after	after	ADP
aijbe-35	40	2	the	the	DET
aijbe-35	40	3	end	end	NOUN
aijbe-35	40	4	of	of	ADP
aijbe-35	40	5	imperial	imperial	ADJ
aijbe-35	40	6	rule	rule	NOUN
aijbe-35	40	7	,	,	PUNCT
aijbe-35	40	8	the	the	DET
aijbe-35	40	9	desire	desire	NOUN
aijbe-35	40	10	of	of	ADP
aijbe-35	40	11	the	the	DET
aijbe-35	40	12	government	government	NOUN
aijbe-35	40	13	to	to	PART
aijbe-35	40	14	become	become	VERB
aijbe-35	40	15	pro	pro	ADJ
aijbe-35	40	16	-	-	ADJ
aijbe-35	40	17	active	active	ADJ
aijbe-35	40	18	in	in	ADP
aijbe-35	40	19	the	the	DET
aijbe-35	40	20	development	development	NOUN
aijbe-35	40	21	of	of	ADP
aijbe-35	40	22	the	the	DET
aijbe-35	40	23	economy	economy	NOUN
aijbe-35	40	24	became	become	VERB
aijbe-35	40	25	visible	visible	ADJ
aijbe-35	40	26	especially	especially	ADV
aijbe-35	40	27	after	after	ADP
aijbe-35	40	28	the	the	DET
aijbe-35	40	29	end	end	NOUN
aijbe-35	40	30	of	of	ADP
aijbe-35	40	31	the	the	DET
aijbe-35	40	32	nigerian	nigerian	ADJ
aijbe-35	40	33	civil	civil	ADJ
aijbe-35	40	34	war	war	NOUN
aijbe-35	40	35	,	,	PUNCT
aijbe-35	40	36	the	the	DET
aijbe-35	40	37	bank	bank	NOUN
aijbe-35	40	38	followed	follow	VERB
aijbe-35	40	39	the	the	DET
aijbe-35	40	40	government	government	NOUN
aijbe-35	40	41	's	's	PART
aijbe-35	40	42	desire	desire	NOUN
aijbe-35	40	43	and	and	CCONJ
aijbe-35	40	44	took	take	VERB
aijbe-35	40	45	a	a	DET
aijbe-35	40	46	determined	determined	ADJ
aijbe-35	40	47	effort	effort	NOUN
aijbe-35	40	48	to	to	PART
aijbe-35	40	49	supplement	supplement	VERB
aijbe-35	40	50	any	any	DET
aijbe-35	40	51	short	short	ADJ
aijbe-35	40	52	falls	fall	NOUN
aijbe-35	40	53	in	in	ADP
aijbe-35	40	54	credit	credit	NOUN
aijbe-35	40	55	allocations	allocation	NOUN
aijbe-35	40	56	to	to	ADP
aijbe-35	40	57	the	the	DET
aijbe-35	40	58	real	real	ADJ
aijbe-35	40	59	sector	sector	NOUN
aijbe-35	40	60	.	.	PUNCT
aijbe-35	41	1	the	the	DET
aijbe-35	41	2	bank	bank	NOUN
aijbe-35	41	3	soon	soon	ADV
aijbe-35	41	4	became	become	VERB
aijbe-35	41	5	involved	involved	ADJ
aijbe-35	41	6	in	in	ADP
aijbe-35	41	7	lending	lend	VERB
aijbe-35	41	8	directly	directly	ADV
aijbe-35	41	9	to	to	ADP
aijbe-35	41	10	consumers	consumer	NOUN
aijbe-35	41	11	,	,	PUNCT
aijbe-35	41	12	contravening	contravene	VERB
aijbe-35	41	13	its	its	PRON
aijbe-35	41	14	original	original	ADJ
aijbe-35	41	15	intention	intention	NOUN
aijbe-35	41	16	to	to	PART
aijbe-35	41	17	work	work	VERB
aijbe-35	41	18	through	through	ADP
aijbe-35	41	19	commercial	commercial	ADJ
aijbe-35	41	20	banks	bank	NOUN
aijbe-35	41	21	in	in	ADP
aijbe-35	41	22	activities	activity	NOUN
aijbe-35	41	23	involving	involve	VERB
aijbe-35	41	24	consumer	consumer	NOUN
aijbe-35	41	25	lending	lending	NOUN
aijbe-35	41	26	.	.	PUNCT
aijbe-35	42	1	however	however	ADV
aijbe-35	42	2	,	,	PUNCT
aijbe-35	42	3	the	the	DET
aijbe-35	42	4	policy	policy	NOUN
aijbe-35	42	5	was	be	AUX
aijbe-35	42	6	an	an	DET
aijbe-35	42	7	offspring	offspring	NOUN
aijbe-35	42	8	of	of	ADP
aijbe-35	42	9	the	the	DET
aijbe-35	42	10	indigenization	indigenization	NOUN
aijbe-35	42	11	policy	policy	NOUN
aijbe-35	42	12	at	at	ADP
aijbe-35	42	13	the	the	DET
aijbe-35	42	14	time	time	NOUN
aijbe-35	42	15	.	.	PUNCT
aijbe-35	43	1	nevertheless	nevertheless	ADV
aijbe-35	43	2	,	,	PUNCT
aijbe-35	43	3	the	the	DET
aijbe-35	43	4	government	government	NOUN
aijbe-35	43	5	through	through	ADP
aijbe-35	43	6	the	the	DET
aijbe-35	43	7	central	central	ADJ
aijbe-35	43	8	bank	bank	NOUN
aijbe-35	43	9	has	have	AUX
aijbe-35	43	10	been	be	AUX
aijbe-35	43	11	actively	actively	ADV
aijbe-35	43	12	involved	involve	VERB
aijbe-35	43	13	in	in	ADP
aijbe-35	43	14	building	build	VERB
aijbe-35	43	15	the	the	DET
aijbe-35	43	16	nation	nation	NOUN
aijbe-35	43	17	's	's	PART
aijbe-35	43	18	money	money	NOUN
aijbe-35	43	19	and	and	CCONJ
aijbe-35	43	20	equity	equity	NOUN
aijbe-35	43	21	centers	center	NOUN
aijbe-35	43	22	,	,	PUNCT
aijbe-35	43	23	forming	form	VERB
aijbe-35	43	24	securities	security	NOUN
aijbe-35	43	25	regulatory	regulatory	PROPN
aijbe-35	43	26	board	board	NOUN
aijbe-35	43	27	and	and	CCONJ
aijbe-35	43	28	introducing	introduce	VERB
aijbe-35	43	29	treasury	treasury	NOUN
aijbe-35	43	30	instruments	instrument	NOUN
aijbe-35	43	31	into	into	ADP
aijbe-35	43	32	the	the	DET
aijbe-35	43	33	capital	capital	NOUN
aijbe-35	43	34	market	market	NOUN
aijbe-35	43	35	.	.	PUNCT
aijbe-35	44	1	2.2	2.2	NUM
aijbe-35	44	2	e	e	NOUN
aijbe-35	44	3	-	-	ADJ
aijbe-35	44	4	banking	banking	ADJ
aijbe-35	44	5	emerging	emerge	VERB
aijbe-35	44	6	information	information	NOUN
aijbe-35	44	7	technology	technology	NOUN
aijbe-35	44	8	tremendously	tremendously	ADV
aijbe-35	44	9	affects	affect	VERB
aijbe-35	44	10	the	the	DET
aijbe-35	44	11	growth	growth	NOUN
aijbe-35	44	12	and	and	CCONJ
aijbe-35	44	13	flexibility	flexibility	NOUN
aijbe-35	44	14	in	in	ADP
aijbe-35	44	15	the	the	DET
aijbe-35	44	16	user	user	NOUN
aijbe-35	44	17	friendliness	friendliness	NOUN
aijbe-35	44	18	of	of	ADP
aijbe-35	44	19	electronic	electronic	ADJ
aijbe-35	44	20	banking	banking	NOUN
aijbe-35	44	21	(	(	PUNCT
aijbe-35	44	22	nadim	nadim	PROPN
aijbe-35	44	23	&	&	CCONJ
aijbe-35	44	24	begum	begum	PROPN
aijbe-35	44	25	,	,	PUNCT
aijbe-35	44	26	2008	2008	NUM
aijbe-35	44	27	)	)	PUNCT
aijbe-35	44	28	.	.	PUNCT
aijbe-35	45	1	in	in	ADP
aijbe-35	45	2	recent	recent	ADJ
aijbe-35	45	3	times	time	NOUN
aijbe-35	45	4	electronic	electronic	ADJ
aijbe-35	45	5	banking	banking	NOUN
aijbe-35	45	6	has	have	AUX
aijbe-35	45	7	been	be	AUX
aijbe-35	45	8	highly	highly	ADV
aijbe-35	45	9	appreciated	appreciated	ADJ
aijbe-35	45	10	in	in	ADP
aijbe-35	45	11	the	the	DET
aijbe-35	45	12	banking	banking	NOUN
aijbe-35	45	13	sector	sector	NOUN
aijbe-35	45	14	service	service	NOUN
aijbe-35	45	15	provision	provision	NOUN
aijbe-35	45	16	,	,	PUNCT
aijbe-35	45	17	and	and	CCONJ
aijbe-35	45	18	especially	especially	ADV
aijbe-35	45	19	in	in	ADP
aijbe-35	45	20	online	online	ADJ
aijbe-35	45	21	banking	banking	NOUN
aijbe-35	45	22	services	service	NOUN
aijbe-35	45	23	.	.	PUNCT
aijbe-35	46	1	foreign	foreign	ADJ
aijbe-35	46	2	as	as	ADV
aijbe-35	46	3	well	well	ADV
aijbe-35	46	4	as	as	ADP
aijbe-35	46	5	local	local	ADJ
aijbe-35	46	6	banks	bank	NOUN
aijbe-35	46	7	are	be	AUX
aijbe-35	46	8	adopting	adopt	VERB
aijbe-35	46	9	online	online	ADJ
aijbe-35	46	10	banking	banking	NOUN
aijbe-35	46	11	system	system	NOUN
aijbe-35	46	12	to	to	PART
aijbe-35	46	13	enhance	enhance	VERB
aijbe-35	46	14	their	their	PRON
aijbe-35	46	15	services	service	NOUN
aijbe-35	46	16	.	.	PUNCT
aijbe-35	47	1	they	they	PRON
aijbe-35	47	2	have	have	AUX
aijbe-35	47	3	adopted	adopt	VERB
aijbe-35	47	4	superior	superior	ADJ
aijbe-35	47	5	technology	technology	NOUN
aijbe-35	47	6	through	through	ADP
aijbe-35	47	7	automated	automate	VERB
aijbe-35	47	8	transaction	transaction	NOUN
aijbe-35	47	9	systems	system	NOUN
aijbe-35	47	10	for	for	ADP
aijbe-35	47	11	attracting	attract	VERB
aijbe-35	47	12	clients	client	NOUN
aijbe-35	47	13	and	and	CCONJ
aijbe-35	47	14	offering	offer	VERB
aijbe-35	47	15	inter	inter	ADJ
aijbe-35	47	16	-	-	NOUN
aijbe-35	47	17	branch	branch	ADJ
aijbe-35	47	18	and	and	CCONJ
aijbe-35	47	19	inter	inter	ADJ
aijbe-35	47	20	-	-	ADJ
aijbe-35	47	21	bank	bank	ADJ
aijbe-35	47	22	networking	networking	NOUN
aijbe-35	47	23	.	.	PUNCT
aijbe-35	48	1	muhammad	muhammad	PROPN
aijbe-35	48	2	aminu	aminu	PROPN
aijbe-35	48	3	isa	isa	PROPN
aijbe-35	48	4	(	(	PUNCT
aijbe-35	48	5	2023	2023	NUM
aijbe-35	48	6	)	)	PUNCT
aijbe-35	48	7	54	54	NUM
aijbe-35	48	8	american	american	ADJ
aijbe-35	48	9	interdisciplinary	interdisciplinary	ADJ
aijbe-35	48	10	journal	journal	NOUN
aijbe-35	48	11	of	of	ADP
aijbe-35	48	12	business	business	NOUN
aijbe-35	48	13	and	and	CCONJ
aijbe-35	48	14	economics	economic	NOUN
aijbe-35	48	15	|	|	ADV
aijbe-35	48	16	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADP
aijbe-35	48	17	nadim	nadim	PROPN
aijbe-35	48	18	and	and	CCONJ
aijbe-35	48	19	begum	begum	PROPN
aijbe-35	48	20	(	(	PUNCT
aijbe-35	48	21	2008	2008	NUM
aijbe-35	48	22	)	)	PUNCT
aijbe-35	48	23	observe	observe	VERB
aijbe-35	48	24	that	that	SCONJ
aijbe-35	48	25	these	these	DET
aijbe-35	48	26	systems	system	NOUN
aijbe-35	48	27	seem	seem	VERB
aijbe-35	48	28	neglected	neglect	VERB
aijbe-35	48	29	by	by	ADP
aijbe-35	48	30	the	the	DET
aijbe-35	48	31	customers	customer	NOUN
aijbe-35	48	32	,	,	PUNCT
aijbe-35	48	33	in	in	ADP
aijbe-35	48	34	spite	spite	NOUN
aijbe-35	48	35	of	of	ADP
aijbe-35	48	36	rigorous	rigorous	ADJ
aijbe-35	48	37	efforts	effort	NOUN
aijbe-35	48	38	by	by	ADP
aijbe-35	48	39	the	the	DET
aijbe-35	48	40	banks	bank	NOUN
aijbe-35	48	41	.	.	PUNCT
aijbe-35	49	1	it	it	PRON
aijbe-35	49	2	is	be	AUX
aijbe-35	49	3	perceived	perceive	VERB
aijbe-35	49	4	that	that	SCONJ
aijbe-35	49	5	in	in	ADP
aijbe-35	49	6	e	e	NOUN
aijbe-35	49	7	-	-	ADJ
aijbe-35	49	8	banking	banking	ADJ
aijbe-35	49	9	customer	customer	NOUN
aijbe-35	49	10	impression	impression	NOUN
aijbe-35	49	11	is	be	AUX
aijbe-35	49	12	quite	quite	ADV
aijbe-35	49	13	vital	vital	ADJ
aijbe-35	49	14	for	for	ADP
aijbe-35	49	15	successful	successful	ADJ
aijbe-35	49	16	ebanking	ebanking	ADJ
aijbe-35	49	17	service	service	NOUN
aijbe-35	49	18	delivery	delivery	NOUN
aijbe-35	49	19	.	.	PUNCT
aijbe-35	50	1	the	the	DET
aijbe-35	50	2	banking	banking	NOUN
aijbe-35	50	3	sector	sector	NOUN
aijbe-35	50	4	has	have	AUX
aijbe-35	50	5	tried	try	VERB
aijbe-35	50	6	to	to	PART
aijbe-35	50	7	collect	collect	VERB
aijbe-35	50	8	more	more	ADJ
aijbe-35	50	9	information	information	NOUN
aijbe-35	50	10	to	to	PART
aijbe-35	50	11	discern	discern	ADJ
aijbe-35	50	12	factors	factor	NOUN
aijbe-35	50	13	that	that	PRON
aijbe-35	50	14	endear	endear	VERB
aijbe-35	50	15	customers	customer	NOUN
aijbe-35	50	16	to	to	ADP
aijbe-35	50	17	online	online	ADJ
aijbe-35	50	18	banking	banking	NOUN
aijbe-35	50	19	(	(	PUNCT
aijbe-35	50	20	gerrard	gerrard	PROPN
aijbe-35	50	21	&	&	CCONJ
aijbe-35	50	22	cunningham	cunningham	PROPN
aijbe-35	50	23	,	,	PUNCT
aijbe-35	50	24	2003	2003	NUM
aijbe-35	50	25	;	;	PUNCT
aijbe-35	50	26	sathye	sathye	NOUN
aijbe-35	50	27	,	,	PUNCT
aijbe-35	50	28	1999	1999	NUM
aijbe-35	50	29	)	)	PUNCT
aijbe-35	50	30	.	.	PUNCT
aijbe-35	51	1	various	various	ADJ
aijbe-35	51	2	authors	author	NOUN
aijbe-35	51	3	have	have	AUX
aijbe-35	51	4	proposed	propose	VERB
aijbe-35	51	5	different	different	ADJ
aijbe-35	51	6	models	model	NOUN
aijbe-35	51	7	on	on	ADP
aijbe-35	51	8	customer	customer	NOUN
aijbe-35	51	9	online	online	ADJ
aijbe-35	51	10	banking	banking	NOUN
aijbe-35	51	11	adoption	adoption	NOUN
aijbe-35	51	12	.	.	PUNCT
aijbe-35	52	1	these	these	DET
aijbe-35	52	2	models	model	NOUN
aijbe-35	52	3	comprise	comprise	VERB
aijbe-35	52	4	of	of	ADP
aijbe-35	52	5	technology	technology	NOUN
aijbe-35	52	6	acceptance	acceptance	NOUN
aijbe-35	52	7	model	model	NOUN
aijbe-35	52	8	that	that	PRON
aijbe-35	52	9	has	have	VERB
aijbe-35	52	10	its	its	PRON
aijbe-35	52	11	origin	origin	NOUN
aijbe-35	52	12	from	from	ADP
aijbe-35	52	13	theory	theory	NOUN
aijbe-35	52	14	of	of	ADP
aijbe-35	52	15	reasoned	reasoned	ADJ
aijbe-35	52	16	action	action	NOUN
aijbe-35	52	17	,	,	PUNCT
aijbe-35	52	18	which	which	PRON
aijbe-35	52	19	has	have	AUX
aijbe-35	52	20	become	become	VERB
aijbe-35	52	21	the	the	DET
aijbe-35	52	22	most	most	ADV
aijbe-35	52	23	widely	widely	ADV
aijbe-35	52	24	used	use	VERB
aijbe-35	52	25	,	,	PUNCT
aijbe-35	52	26	and	and	CCONJ
aijbe-35	52	27	the	the	DET
aijbe-35	52	28	theory	theory	NOUN
aijbe-35	52	29	of	of	ADP
aijbe-35	52	30	planned	plan	VERB
aijbe-35	52	31	behaviour	behaviour	NOUN
aijbe-35	52	32	.	.	PUNCT
aijbe-35	53	1	2.3	2.3	NUM
aijbe-35	53	2	technology	technology	NOUN
aijbe-35	53	3	acceptance	acceptance	NOUN
aijbe-35	53	4	model	model	NOUN
aijbe-35	53	5	this	this	DET
aijbe-35	53	6	model	model	NOUN
aijbe-35	53	7	is	be	AUX
aijbe-35	53	8	at	at	ADP
aijbe-35	53	9	times	time	NOUN
aijbe-35	53	10	referred	refer	VERB
aijbe-35	53	11	to	to	ADP
aijbe-35	53	12	as	as	ADP
aijbe-35	53	13	technology	technology	NOUN
aijbe-35	53	14	acceptance	acceptance	NOUN
aijbe-35	53	15	theory	theory	NOUN
aijbe-35	53	16	(	(	PUNCT
aijbe-35	53	17	tat	tat	NOUN
aijbe-35	53	18	)	)	PUNCT
aijbe-35	53	19	it	it	PRON
aijbe-35	53	20	addresses	address	VERB
aijbe-35	53	21	the	the	DET
aijbe-35	53	22	adoption	adoption	NOUN
aijbe-35	53	23	behaviour	behaviour	NOUN
aijbe-35	53	24	of	of	ADP
aijbe-35	53	25	customers	customer	NOUN
aijbe-35	53	26	which	which	PRON
aijbe-35	53	27	is	be	AUX
aijbe-35	53	28	usually	usually	ADV
aijbe-35	53	29	assessed	assess	VERB
aijbe-35	53	30	by	by	ADP
aijbe-35	53	31	the	the	DET
aijbe-35	53	32	aim	aim	NOUN
aijbe-35	53	33	to	to	PART
aijbe-35	53	34	use	use	VERB
aijbe-35	53	35	a	a	DET
aijbe-35	53	36	specified	specify	VERB
aijbe-35	53	37	system	system	NOUN
aijbe-35	53	38	which	which	PRON
aijbe-35	53	39	is	be	AUX
aijbe-35	53	40	predicated	predicate	VERB
aijbe-35	53	41	on	on	ADP
aijbe-35	53	42	the	the	DET
aijbe-35	53	43	impression	impression	NOUN
aijbe-35	53	44	of	of	ADP
aijbe-35	53	45	its	its	PRON
aijbe-35	53	46	usefulness	usefulness	NOUN
aijbe-35	53	47	and	and	CCONJ
aijbe-35	53	48	the	the	DET
aijbe-35	53	49	convenient	convenient	ADJ
aijbe-35	53	50	usability	usability	NOUN
aijbe-35	53	51	of	of	ADP
aijbe-35	53	52	the	the	DET
aijbe-35	53	53	system	system	NOUN
aijbe-35	53	54	.	.	PUNCT
aijbe-35	54	1	previous	previous	ADJ
aijbe-35	54	2	authors	author	NOUN
aijbe-35	54	3	researched	research	VERB
aijbe-35	54	4	on	on	ADP
aijbe-35	54	5	the	the	DET
aijbe-35	54	6	fundamental	fundamental	ADJ
aijbe-35	54	7	construct	construct	NOUN
aijbe-35	54	8	of	of	ADP
aijbe-35	54	9	tams	tam	NOUN
aijbe-35	54	10	validity	validity	NOUN
aijbe-35	54	11	in	in	ADP
aijbe-35	54	12	forecasting	forecast	VERB
aijbe-35	54	13	the	the	DET
aijbe-35	54	14	acceptance	acceptance	NOUN
aijbe-35	54	15	of	of	ADP
aijbe-35	54	16	individual	individual	NOUN
aijbe-35	54	17	’s	’s	PART
aijbe-35	54	18	and	and	CCONJ
aijbe-35	54	19	noted	note	VERB
aijbe-35	54	20	that	that	SCONJ
aijbe-35	54	21	tams	tam	NOUN
aijbe-35	54	22	fundamental	fundamental	ADJ
aijbe-35	54	23	construct	construct	NOUN
aijbe-35	54	24	does	do	AUX
aijbe-35	54	25	not	not	PART
aijbe-35	54	26	wholly	wholly	ADV
aijbe-35	54	27	address	address	VERB
aijbe-35	54	28	the	the	DET
aijbe-35	54	29	explicit	explicit	ADJ
aijbe-35	54	30	effect	effect	NOUN
aijbe-35	54	31	of	of	ADP
aijbe-35	54	32	technology	technology	NOUN
aijbe-35	54	33	and	and	CCONJ
aijbe-35	54	34	the	the	DET
aijbe-35	54	35	usability	usability	NOUN
aijbe-35	54	36	factors	factor	NOUN
aijbe-35	54	37	that	that	PRON
aijbe-35	54	38	actually	actually	ADV
aijbe-35	54	39	influence	influence	VERB
aijbe-35	54	40	the	the	DET
aijbe-35	54	41	user	user	NOUN
aijbe-35	54	42	’s	’s	PART
aijbe-35	54	43	acceptance	acceptance	NOUN
aijbe-35	54	44	(	(	PUNCT
aijbe-35	54	45	moon	moon	PROPN
aijbe-35	54	46	&	&	CCONJ
aijbe-35	54	47	kim	kim	PROPN
aijbe-35	54	48	,	,	PUNCT
aijbe-35	54	49	2001	2001	NUM
aijbe-35	54	50	)	)	PUNCT
aijbe-35	54	51	.	.	PUNCT
aijbe-35	55	1	davis	davis	PROPN
aijbe-35	55	2	,	,	PUNCT
aijbe-35	55	3	1989	1989	NUM
aijbe-35	55	4	contents	content	NOUN
aijbe-35	55	5	that	that	PRON
aijbe-35	55	6	expected	expect	VERB
aijbe-35	55	7	usefulness	usefulness	NOUN
aijbe-35	55	8	is	be	AUX
aijbe-35	55	9	usually	usually	ADV
aijbe-35	55	10	termed	term	VERB
aijbe-35	55	11	as	as	ADP
aijbe-35	55	12	an	an	DET
aijbe-35	55	13	individual	individual	ADJ
aijbe-35	55	14	belief	belief	NOUN
aijbe-35	55	15	to	to	PART
aijbe-35	55	16	improve	improve	VERB
aijbe-35	55	17	the	the	DET
aijbe-35	55	18	degree	degree	NOUN
aijbe-35	55	19	job	job	NOUN
aijbe-35	55	20	performance	performance	NOUN
aijbe-35	55	21	by	by	ADP
aijbe-35	55	22	the	the	DET
aijbe-35	55	23	application	application	NOUN
aijbe-35	55	24	of	of	ADP
aijbe-35	55	25	modern	modern	ADJ
aijbe-35	55	26	technology	technology	NOUN
aijbe-35	55	27	of	of	ADP
aijbe-35	55	28	information	information	NOUN
aijbe-35	55	29	system	system	NOUN
aijbe-35	55	30	.	.	PUNCT
aijbe-35	56	1	perceived	perceive	VERB
aijbe-35	56	2	effortlessness	effortlessness	NOUN
aijbe-35	56	3	of	of	ADP
aijbe-35	56	4	use	use	NOUN
aijbe-35	56	5	shows	show	VERB
aijbe-35	56	6	how	how	SCONJ
aijbe-35	56	7	easy	easy	ADJ
aijbe-35	56	8	an	an	DET
aijbe-35	56	9	individual	individual	NOUN
aijbe-35	56	10	learns	learn	VERB
aijbe-35	56	11	the	the	DET
aijbe-35	56	12	operations	operation	NOUN
aijbe-35	56	13	of	of	ADP
aijbe-35	56	14	the	the	DET
aijbe-35	56	15	emerging	emerge	VERB
aijbe-35	56	16	technology	technology	NOUN
aijbe-35	56	17	and	and	CCONJ
aijbe-35	56	18	information	information	NOUN
aijbe-35	56	19	system	system	NOUN
aijbe-35	56	20	.	.	PUNCT
aijbe-35	57	1	the	the	DET
aijbe-35	57	2	model	model	NOUN
aijbe-35	57	3	emphasizes	emphasize	VERB
aijbe-35	57	4	the	the	DET
aijbe-35	57	5	positive	positive	ADJ
aijbe-35	57	6	impact	impact	NOUN
aijbe-35	57	7	of	of	ADP
aijbe-35	57	8	perceived	perceive	VERB
aijbe-35	57	9	simplicity	simplicity	NOUN
aijbe-35	57	10	of	of	ADP
aijbe-35	57	11	use	use	NOUN
aijbe-35	57	12	on	on	ADP
aijbe-35	57	13	the	the	DET
aijbe-35	57	14	impression	impression	NOUN
aijbe-35	57	15	of	of	ADP
aijbe-35	57	16	the	the	DET
aijbe-35	57	17	system	system	NOUN
aijbe-35	57	18	’s	’s	PART
aijbe-35	57	19	usefulness	usefulness	NOUN
aijbe-35	57	20	(	(	PUNCT
aijbe-35	57	21	gefen	gefen	NOUN
aijbe-35	57	22	,	,	PUNCT
aijbe-35	57	23	karahanna	karahanna	PROPN
aijbe-35	57	24	,	,	PUNCT
aijbe-35	57	25	&	&	CCONJ
aijbe-35	57	26	straub	straub	PROPN
aijbe-35	57	27	,	,	PUNCT
aijbe-35	57	28	2003	2003	NUM
aijbe-35	57	29	)	)	PUNCT
aijbe-35	57	30	.	.	PUNCT
aijbe-35	58	1	pikkarainen	pikkarainen	PROPN
aijbe-35	58	2	,	,	PUNCT
aijbe-35	58	3	karjaluoto	karjaluoto	PROPN
aijbe-35	58	4	&	&	CCONJ
aijbe-35	58	5	pahnila	pahnila	PROPN
aijbe-35	58	6	(	(	PUNCT
aijbe-35	58	7	2004	2004	NUM
aijbe-35	58	8	)	)	PUNCT
aijbe-35	58	9	carried	carry	VERB
aijbe-35	58	10	out	out	ADP
aijbe-35	58	11	a	a	DET
aijbe-35	58	12	survey	survey	NOUN
aijbe-35	58	13	in	in	ADP
aijbe-35	58	14	finland	finland	PROPN
aijbe-35	58	15	to	to	PART
aijbe-35	58	16	establish	establish	VERB
aijbe-35	58	17	the	the	DET
aijbe-35	58	18	actual	actual	ADJ
aijbe-35	58	19	impact	impact	NOUN
aijbe-35	58	20	of	of	ADP
aijbe-35	58	21	perceived	perceive	VERB
aijbe-35	58	22	usefulness	usefulness	NOUN
aijbe-35	58	23	and	and	CCONJ
aijbe-35	58	24	concluded	conclude	VERB
aijbe-35	58	25	that	that	SCONJ
aijbe-35	58	26	it	it	PRON
aijbe-35	58	27	endeared	endear	VERB
aijbe-35	58	28	use	use	NOUN
aijbe-35	58	29	of	of	ADP
aijbe-35	58	30	inventive	inventive	ADJ
aijbe-35	58	31	,	,	PUNCT
aijbe-35	58	32	autonomous	autonomous	ADJ
aijbe-35	58	33	,	,	PUNCT
aijbe-35	58	34	self	self	NOUN
aijbe-35	58	35	-	-	PUNCT
aijbe-35	58	36	service	service	NOUN
aijbe-35	58	37	and	and	CCONJ
aijbe-35	58	38	user	user	NOUN
aijbe-35	58	39	friendly	friendly	ADJ
aijbe-35	58	40	technologies	technology	NOUN
aijbe-35	58	41	provided	provide	VERB
aijbe-35	58	42	by	by	ADP
aijbe-35	58	43	banks	bank	NOUN
aijbe-35	58	44	for	for	ADP
aijbe-35	58	45	access	access	NOUN
aijbe-35	58	46	of	of	ADP
aijbe-35	58	47	financial	financial	ADJ
aijbe-35	58	48	services	service	NOUN
aijbe-35	58	49	to	to	ADP
aijbe-35	58	50	the	the	DET
aijbe-35	58	51	users	user	NOUN
aijbe-35	58	52	in	in	ADP
aijbe-35	58	53	the	the	DET
aijbe-35	58	54	twenty	twenty	NUM
aijbe-35	58	55	first	first	ADJ
aijbe-35	58	56	century	century	NOUN
aijbe-35	58	57	.	.	PUNCT
aijbe-35	59	1	gerrard	gerrard	PROPN
aijbe-35	59	2	and	and	CCONJ
aijbe-35	59	3	cunningham	cunningham	PROPN
aijbe-35	59	4	(	(	PUNCT
aijbe-35	59	5	2003	2003	NUM
aijbe-35	59	6	)	)	PUNCT
aijbe-35	59	7	noted	note	VERB
aijbe-35	59	8	that	that	SCONJ
aijbe-35	59	9	the	the	DET
aijbe-35	59	10	perceived	perceive	VERB
aijbe-35	59	11	usefulness	usefulness	NOUN
aijbe-35	59	12	rested	rest	VERB
aijbe-35	59	13	on	on	ADP
aijbe-35	59	14	the	the	DET
aijbe-35	59	15	services	service	NOUN
aijbe-35	59	16	provided	provide	VERB
aijbe-35	59	17	by	by	ADP
aijbe-35	59	18	the	the	DET
aijbe-35	59	19	bank	bank	NOUN
aijbe-35	59	20	.	.	PUNCT
aijbe-35	60	1	these	these	DET
aijbe-35	60	2	services	service	NOUN
aijbe-35	60	3	range	range	VERB
aijbe-35	60	4	from	from	ADP
aijbe-35	60	5	paying	pay	VERB
aijbe-35	60	6	utility	utility	NOUN
aijbe-35	60	7	bills	bill	NOUN
aijbe-35	60	8	,	,	PUNCT
aijbe-35	60	9	checking	check	VERB
aijbe-35	60	10	account	account	NOUN
aijbe-35	60	11	balances	balance	NOUN
aijbe-35	60	12	,	,	PUNCT
aijbe-35	60	13	loan	loan	NOUN
aijbe-35	60	14	applications	application	NOUN
aijbe-35	60	15	,	,	PUNCT
aijbe-35	60	16	money	money	NOUN
aijbe-35	60	17	transfer	transfer	NOUN
aijbe-35	60	18	abroad	abroad	ADV
aijbe-35	60	19	,	,	PUNCT
aijbe-35	60	20	and	and	CCONJ
aijbe-35	60	21	getting	get	VERB
aijbe-35	60	22	pertinent	pertinent	ADJ
aijbe-35	60	23	mutual	mutual	ADJ
aijbe-35	60	24	funds	fund	NOUN
aijbe-35	60	25	information	information	NOUN
aijbe-35	60	26	.	.	PUNCT
aijbe-35	61	1	in	in	ADP
aijbe-35	61	2	conclusion	conclusion	NOUN
aijbe-35	61	3	,	,	PUNCT
aijbe-35	61	4	the	the	DET
aijbe-35	61	5	likelihood	likelihood	NOUN
aijbe-35	61	6	of	of	ADP
aijbe-35	61	7	the	the	DET
aijbe-35	61	8	adoption	adoption	NOUN
aijbe-35	61	9	of	of	ADP
aijbe-35	61	10	e	e	NOUN
aijbe-35	61	11	-	-	NOUN
aijbe-35	61	12	banking	banking	NOUN
aijbe-35	61	13	is	be	AUX
aijbe-35	61	14	dependent	dependent	ADJ
aijbe-35	61	15	on	on	ADP
aijbe-35	61	16	its	its	PRON
aijbe-35	61	17	perceived	perceive	VERB
aijbe-35	61	18	usefulness	usefulness	NOUN
aijbe-35	61	19	(	(	PUNCT
aijbe-35	61	20	potaloglu	potaloglu	PROPN
aijbe-35	61	21	&	&	CCONJ
aijbe-35	61	22	ekin	ekin	PROPN
aijbe-35	61	23	,	,	PUNCT
aijbe-35	61	24	2001	2001	NUM
aijbe-35	61	25	)	)	PUNCT
aijbe-35	61	26	.	.	PUNCT
aijbe-35	62	1	the	the	DET
aijbe-35	62	2	major	major	ADJ
aijbe-35	62	3	drivers	driver	NOUN
aijbe-35	62	4	of	of	ADP
aijbe-35	62	5	e	e	NOUN
aijbe-35	62	6	-	-	NOUN
aijbe-35	62	7	banking	banking	ADJ
aijbe-35	62	8	acceptance	acceptance	NOUN
aijbe-35	62	9	are	be	AUX
aijbe-35	62	10	viewed	view	VERB
aijbe-35	62	11	as	as	ADP
aijbe-35	62	12	the	the	DET
aijbe-35	62	13	tam	tam	NOUN
aijbe-35	62	14	variables	variable	NOUN
aijbe-35	62	15	which	which	PRON
aijbe-35	62	16	include	include	VERB
aijbe-35	62	17	the	the	DET
aijbe-35	62	18	aspects	aspect	NOUN
aijbe-35	62	19	of	of	ADP
aijbe-35	62	20	perceived	perceive	VERB
aijbe-35	62	21	ease	ease	NOUN
aijbe-35	62	22	of	of	ADP
aijbe-35	62	23	use	use	NOUN
aijbe-35	62	24	and	and	CCONJ
aijbe-35	62	25	perceived	perceive	VERB
aijbe-35	62	26	usefulness	usefulness	NOUN
aijbe-35	62	27	.	.	PUNCT
aijbe-35	63	1	2.4	2.4	NUM
aijbe-35	63	2	empirical	empirical	ADJ
aijbe-35	63	3	studies	study	NOUN
aijbe-35	63	4	2.4.1	2.4.1	NUM
aijbe-35	63	5	international	international	ADJ
aijbe-35	63	6	research	research	NOUN
aijbe-35	63	7	studies	study	NOUN
aijbe-35	63	8	several	several	ADJ
aijbe-35	63	9	research	research	NOUN
aijbe-35	63	10	studies	study	NOUN
aijbe-35	63	11	have	have	AUX
aijbe-35	63	12	been	be	AUX
aijbe-35	63	13	carried	carry	VERB
aijbe-35	63	14	out	out	ADP
aijbe-35	63	15	on	on	ADP
aijbe-35	63	16	the	the	DET
aijbe-35	63	17	performance	performance	NOUN
aijbe-35	63	18	of	of	ADP
aijbe-35	63	19	banks	bank	NOUN
aijbe-35	63	20	that	that	PRON
aijbe-35	63	21	have	have	AUX
aijbe-35	63	22	embraced	embrace	VERB
aijbe-35	63	23	the	the	DET
aijbe-35	63	24	use	use	NOUN
aijbe-35	63	25	of	of	ADP
aijbe-35	63	26	ebanking	ebanking	ADJ
aijbe-35	63	27	platform	platform	NOUN
aijbe-35	63	28	.	.	PUNCT
aijbe-35	64	1	the	the	DET
aijbe-35	64	2	main	main	ADJ
aijbe-35	64	3	reason	reason	NOUN
aijbe-35	64	4	is	be	AUX
aijbe-35	64	5	that	that	SCONJ
aijbe-35	64	6	the	the	DET
aijbe-35	64	7	profitability	profitability	NOUN
aijbe-35	64	8	of	of	ADP
aijbe-35	64	9	banks	bank	NOUN
aijbe-35	64	10	utilizing	utilize	VERB
aijbe-35	64	11	e	e	NOUN
aijbe-35	64	12	-	-	NOUN
aijbe-35	64	13	banking	banking	NOUN
aijbe-35	64	14	purely	purely	ADV
aijbe-35	64	15	focuses	focus	VERB
aijbe-35	64	16	on	on	ADP
aijbe-35	64	17	the	the	DET
aijbe-35	64	18	impending	impending	ADJ
aijbe-35	64	19	costs	cost	NOUN
aijbe-35	64	20	and	and	CCONJ
aijbe-35	64	21	resultant	resultant	VERB
aijbe-35	64	22	revenue	revenue	NOUN
aijbe-35	64	23	implications	implication	NOUN
aijbe-35	64	24	(	(	PUNCT
aijbe-35	64	25	guru	guru	NOUN
aijbe-35	64	26	&	&	CCONJ
aijbe-35	64	27	staunton	staunton	PROPN
aijbe-35	64	28	2002	2002	NUM
aijbe-35	64	29	;	;	PUNCT
aijbe-35	64	30	berger	berger	PROPN
aijbe-35	64	31	,	,	PUNCT
aijbe-35	64	32	2003	2003	NUM
aijbe-35	64	33	)	)	PUNCT
aijbe-35	64	34	.	.	PUNCT
aijbe-35	65	1	a	a	DET
aijbe-35	65	2	study	study	NOUN
aijbe-35	65	3	by	by	ADP
aijbe-35	65	4	mohammad	mohammad	PROPN
aijbe-35	65	5	&	&	CCONJ
aijbe-35	65	6	saad	saad	PROPN
aijbe-35	65	7	(	(	PUNCT
aijbe-35	65	8	2011	2011	NUM
aijbe-35	65	9	)	)	PUNCT
aijbe-35	65	10	on	on	ADP
aijbe-35	65	11	the	the	DET
aijbe-35	65	12	impact	impact	NOUN
aijbe-35	65	13	of	of	ADP
aijbe-35	65	14	electronic	electronic	ADJ
aijbe-35	65	15	banking	banking	NOUN
aijbe-35	65	16	on	on	ADP
aijbe-35	65	17	the	the	DET
aijbe-35	65	18	performance	performance	NOUN
aijbe-35	65	19	of	of	ADP
aijbe-35	65	20	jordanian	jordanian	ADJ
aijbe-35	65	21	banks	bank	NOUN
aijbe-35	65	22	over	over	ADP
aijbe-35	65	23	the	the	DET
aijbe-35	65	24	period	period	NOUN
aijbe-35	65	25	(	(	PUNCT
aijbe-35	65	26	20002010	20002010	NUM
aijbe-35	65	27	)	)	PUNCT
aijbe-35	65	28	concluded	conclude	VERB
aijbe-35	65	29	that	that	SCONJ
aijbe-35	65	30	electronic	electronic	ADJ
aijbe-35	65	31	banking	banking	NOUN
aijbe-35	65	32	negatively	negatively	ADV
aijbe-35	65	33	affects	affect	VERB
aijbe-35	65	34	banks	bank	NOUN
aijbe-35	65	35	’	'	PUNCT
aijbe-35	65	36	performance	performance	NOUN
aijbe-35	65	37	which	which	PRON
aijbe-35	65	38	was	be	AUX
aijbe-35	65	39	akin	akin	ADJ
aijbe-35	65	40	to	to	ADP
aijbe-35	65	41	the	the	DET
aijbe-35	65	42	findings	finding	NOUN
aijbe-35	65	43	of	of	ADP
aijbe-35	65	44	delgado	delgado	PROPN
aijbe-35	65	45	,	,	PUNCT
aijbe-35	65	46	hernando	hernando	PROPN
aijbe-35	65	47	&	&	CCONJ
aijbe-35	65	48	nieto	nieto	PROPN
aijbe-35	65	49	(	(	PUNCT
aijbe-35	65	50	2007	2007	NUM
aijbe-35	65	51	)	)	PUNCT
aijbe-35	65	52	and	and	CCONJ
aijbe-35	65	53	siam	siam	PROPN
aijbe-35	65	54	(	(	PUNCT
aijbe-35	65	55	2006	2006	NUM
aijbe-35	65	56	)	)	PUNCT
aijbe-35	65	57	.	.	PUNCT
aijbe-35	66	1	electronic	electronic	ADJ
aijbe-35	66	2	banking	banking	NOUN
aijbe-35	66	3	adoption	adoption	NOUN
aijbe-35	66	4	impacts	impact	VERB
aijbe-35	66	5	on	on	ADP
aijbe-35	66	6	a	a	DET
aijbe-35	66	7	bank	bank	NOUN
aijbe-35	66	8	’s	’s	PART
aijbe-35	66	9	risk	risk	NOUN
aijbe-35	66	10	profile	profile	NOUN
aijbe-35	66	11	.	.	PUNCT
aijbe-35	67	1	the	the	DET
aijbe-35	67	2	risk	risk	NOUN
aijbe-35	67	3	management	management	NOUN
aijbe-35	67	4	principles	principle	NOUN
aijbe-35	67	5	issued	issue	VERB
aijbe-35	67	6	by	by	ADP
aijbe-35	67	7	basel	basel	PROPN
aijbe-35	67	8	committee	committee	PROPN
aijbe-35	67	9	in	in	ADP
aijbe-35	67	10	july	july	PROPN
aijbe-35	67	11	2003	2003	NUM
aijbe-35	67	12	for	for	ADP
aijbe-35	67	13	electronic	electronic	ADJ
aijbe-35	67	14	banking	banking	NOUN
aijbe-35	67	15	recognize	recognize	VERB
aijbe-35	67	16	the	the	DET
aijbe-35	67	17	related	relate	VERB
aijbe-35	67	18	risk	risk	NOUN
aijbe-35	67	19	factors	factor	NOUN
aijbe-35	67	20	and	and	CCONJ
aijbe-35	67	21	the	the	DET
aijbe-35	67	22	committee	committee	NOUN
aijbe-35	67	23	’s	’s	PART
aijbe-35	67	24	aim	aim	NOUN
aijbe-35	67	25	was	be	AUX
aijbe-35	67	26	to	to	PART
aijbe-35	67	27	promote	promote	VERB
aijbe-35	67	28	and	and	CCONJ
aijbe-35	67	29	enhance	enhance	VERB
aijbe-35	67	30	safety	safety	NOUN
aijbe-35	67	31	of	of	ADP
aijbe-35	67	32	services	service	NOUN
aijbe-35	67	33	provided	provide	VERB
aijbe-35	67	34	by	by	ADP
aijbe-35	67	35	online	online	ADJ
aijbe-35	67	36	banking	banking	NOUN
aijbe-35	67	37	while	while	SCONJ
aijbe-35	67	38	observing	observe	VERB
aijbe-35	67	39	flexibility	flexibility	NOUN
aijbe-35	67	40	in	in	ADP
aijbe-35	67	41	line	line	NOUN
aijbe-35	67	42	with	with	ADP
aijbe-35	67	43	emerging	emerge	VERB
aijbe-35	67	44	technologies	technology	NOUN
aijbe-35	67	45	as	as	ADP
aijbe-35	67	46	a	a	DET
aijbe-35	67	47	result	result	NOUN
aijbe-35	67	48	of	of	ADP
aijbe-35	67	49	the	the	DET
aijbe-35	67	50	turbulent	turbulent	ADJ
aijbe-35	67	51	environment	environment	NOUN
aijbe-35	67	52	.	.	PUNCT
aijbe-35	68	1	unlike	unlike	ADP
aijbe-35	68	2	the	the	DET
aijbe-35	68	3	study	study	NOUN
aijbe-35	68	4	of	of	ADP
aijbe-35	68	5	nader	nader	PROPN
aijbe-35	68	6	(	(	PUNCT
aijbe-35	68	7	2011	2011	NUM
aijbe-35	68	8	)	)	PUNCT
aijbe-35	68	9	who	who	PRON
aijbe-35	68	10	observed	observe	VERB
aijbe-35	68	11	saudi	saudi	PROPN
aijbe-35	68	12	arabia	arabia	PROPN
aijbe-35	68	13	’s	’s	PART
aijbe-35	68	14	commercial	commercial	ADJ
aijbe-35	68	15	banks	bank	NOUN
aijbe-35	68	16	profit	profit	NOUN
aijbe-35	68	17	efficiency	efficiency	NOUN
aijbe-35	68	18	over	over	ADP
aijbe-35	68	19	the	the	DET
aijbe-35	68	20	period	period	NOUN
aijbe-35	68	21	of	of	ADP
aijbe-35	68	22	time	time	NOUN
aijbe-35	68	23	ranging	range	VERB
aijbe-35	68	24	from	from	ADP
aijbe-35	68	25	1998	1998	NUM
aijbe-35	68	26	-	-	SYM
aijbe-35	68	27	2007	2007	NUM
aijbe-35	68	28	.	.	PUNCT
aijbe-35	69	1	the	the	DET
aijbe-35	69	2	survey	survey	NOUN
aijbe-35	69	3	study	study	NOUN
aijbe-35	69	4	findings	finding	NOUN
aijbe-35	69	5	provide	provide	VERB
aijbe-35	69	6	that	that	SCONJ
aijbe-35	69	7	accessibility	accessibility	NOUN
aijbe-35	69	8	of	of	ADP
aijbe-35	69	9	banking	banking	NOUN
aijbe-35	69	10	via	via	ADP
aijbe-35	69	11	the	the	DET
aijbe-35	69	12	mobile	mobile	ADJ
aijbe-35	69	13	phone	phone	NOUN
aijbe-35	69	14	,	,	PUNCT
aijbe-35	69	15	the	the	DET
aijbe-35	69	16	atms	atms	NOUN
aijbe-35	69	17	and	and	CCONJ
aijbe-35	69	18	the	the	DET
aijbe-35	69	19	various	various	ADJ
aijbe-35	69	20	bank	bank	NOUN
aijbe-35	69	21	branches	branch	NOUN
aijbe-35	69	22	had	have	VERB
aijbe-35	69	23	a	a	DET
aijbe-35	69	24	significance	significance	NOUN
aijbe-35	69	25	on	on	ADP
aijbe-35	69	26	profitability	profitability	NOUN
aijbe-35	69	27	and	and	CCONJ
aijbe-35	69	28	efficiency	efficiency	NOUN
aijbe-35	69	29	muhammad	muhammad	PROPN
aijbe-35	69	30	aminu	aminu	PROPN
aijbe-35	69	31	isa	isa	PROPN
aijbe-35	69	32	(	(	PUNCT
aijbe-35	69	33	2023	2023	NUM
aijbe-35	69	34	)	)	PUNCT
aijbe-35	69	35	55	55	NUM
aijbe-35	69	36	american	american	ADJ
aijbe-35	69	37	interdisciplinary	interdisciplinary	ADJ
aijbe-35	69	38	journal	journal	NOUN
aijbe-35	69	39	of	of	ADP
aijbe-35	69	40	business	business	NOUN
aijbe-35	69	41	and	and	CCONJ
aijbe-35	69	42	economics	economic	NOUN
aijbe-35	69	43	|	|	ADV
aijbe-35	69	44	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	X
aijbe-35	69	45	in	in	ADP
aijbe-35	69	46	saudi	saudi	PROPN
aijbe-35	69	47	arabia	arabia	PROPN
aijbe-35	69	48	’s	’s	PART
aijbe-35	69	49	banks	bank	NOUN
aijbe-35	69	50	.	.	PUNCT
aijbe-35	70	1	scrutiny	scrutiny	NOUN
aijbe-35	70	2	by	by	ADP
aijbe-35	70	3	malhotra	malhotra	PROPN
aijbe-35	70	4	&	&	CCONJ
aijbe-35	70	5	singh	singh	PROPN
aijbe-35	70	6	(	(	PUNCT
aijbe-35	70	7	2009	2009	NUM
aijbe-35	70	8	)	)	PUNCT
aijbe-35	70	9	on	on	ADP
aijbe-35	70	10	the	the	DET
aijbe-35	70	11	effect	effect	NOUN
aijbe-35	70	12	of	of	ADP
aijbe-35	70	13	internet	internet	NOUN
aijbe-35	70	14	banking	banking	NOUN
aijbe-35	70	15	on	on	ADP
aijbe-35	70	16	performance	performance	NOUN
aijbe-35	70	17	of	of	ADP
aijbe-35	70	18	commercial	commercial	ADJ
aijbe-35	70	19	banks	bank	NOUN
aijbe-35	70	20	in	in	ADP
aijbe-35	70	21	india	india	PROPN
aijbe-35	70	22	found	find	VERB
aijbe-35	70	23	that	that	SCONJ
aijbe-35	70	24	there	there	PRON
aijbe-35	70	25	was	be	VERB
aijbe-35	70	26	insignificant	insignificant	ADJ
aijbe-35	70	27	relationship	relationship	NOUN
aijbe-35	70	28	.	.	PUNCT
aijbe-35	71	1	this	this	PRON
aijbe-35	71	2	corresponds	correspond	VERB
aijbe-35	71	3	to	to	ADP
aijbe-35	71	4	the	the	DET
aijbe-35	71	5	deductions	deduction	NOUN
aijbe-35	71	6	of	of	ADP
aijbe-35	71	7	deyoung	deyoung	PROPN
aijbe-35	71	8	(	(	PUNCT
aijbe-35	71	9	2005	2005	NUM
aijbe-35	71	10	)	)	PUNCT
aijbe-35	71	11	;	;	PUNCT
aijbe-35	71	12	arnaboldi	arnaboldi	PROPN
aijbe-35	71	13	&	&	CCONJ
aijbe-35	71	14	claeys	claey	NOUN
aijbe-35	71	15	(	(	PUNCT
aijbe-35	71	16	2010	2010	NUM
aijbe-35	71	17	)	)	PUNCT
aijbe-35	71	18	.	.	PUNCT
aijbe-35	72	1	similarly	similarly	ADV
aijbe-35	72	2	,	,	PUNCT
aijbe-35	72	3	a	a	DET
aijbe-35	72	4	study	study	NOUN
aijbe-35	72	5	done	do	VERB
aijbe-35	72	6	by	by	ADP
aijbe-35	72	7	hernando	hernando	PROPN
aijbe-35	72	8	and	and	CCONJ
aijbe-35	72	9	nieto	nieto	PROPN
aijbe-35	72	10	(	(	PUNCT
aijbe-35	72	11	2005	2005	NUM
aijbe-35	72	12	)	)	PUNCT
aijbe-35	72	13	on	on	ADP
aijbe-35	72	14	commercial	commercial	ADJ
aijbe-35	72	15	banks	bank	NOUN
aijbe-35	72	16	numbering	number	VERB
aijbe-35	72	17	72	72	NUM
aijbe-35	72	18	in	in	ADP
aijbe-35	72	19	spain	spain	PROPN
aijbe-35	72	20	over	over	ADP
aijbe-35	72	21	a	a	DET
aijbe-35	72	22	period	period	NOUN
aijbe-35	72	23	of	of	ADP
aijbe-35	72	24	1994	1994	NUM
aijbe-35	72	25	-	-	SYM
aijbe-35	72	26	2002	2002	NUM
aijbe-35	72	27	to	to	PART
aijbe-35	72	28	establish	establish	VERB
aijbe-35	72	29	their	their	PRON
aijbe-35	72	30	financial	financial	ADJ
aijbe-35	72	31	performance	performance	NOUN
aijbe-35	72	32	on	on	ADP
aijbe-35	72	33	the	the	DET
aijbe-35	72	34	adoption	adoption	NOUN
aijbe-35	72	35	of	of	ADP
aijbe-35	72	36	a	a	DET
aijbe-35	72	37	transactional	transactional	ADJ
aijbe-35	72	38	website	website	NOUN
aijbe-35	72	39	found	find	VERB
aijbe-35	72	40	that	that	SCONJ
aijbe-35	72	41	there	there	PRON
aijbe-35	72	42	was	be	VERB
aijbe-35	72	43	a	a	DET
aijbe-35	72	44	significant	significant	ADJ
aijbe-35	72	45	impact	impact	NOUN
aijbe-35	72	46	on	on	ADP
aijbe-35	72	47	profitability	profitability	NOUN
aijbe-35	72	48	,	,	PUNCT
aijbe-35	72	49	which	which	PRON
aijbe-35	72	50	was	be	AUX
aijbe-35	72	51	the	the	DET
aijbe-35	72	52	same	same	ADJ
aijbe-35	72	53	as	as	ADP
aijbe-35	72	54	deyoung	deyoung	PROPN
aijbe-35	72	55	,	,	PUNCT
aijbe-35	72	56	lang	lang	PROPN
aijbe-35	72	57	&	&	CCONJ
aijbe-35	72	58	nolle	nolle	PROPN
aijbe-35	72	59	(	(	PUNCT
aijbe-35	72	60	2007	2007	NUM
aijbe-35	72	61	)	)	PUNCT
aijbe-35	72	62	who	who	PRON
aijbe-35	72	63	observed	observe	VERB
aijbe-35	72	64	that	that	SCONJ
aijbe-35	72	65	profitability	profitability	NOUN
aijbe-35	72	66	is	be	AUX
aijbe-35	72	67	highly	highly	ADV
aijbe-35	72	68	realized	realize	VERB
aijbe-35	72	69	in	in	ADP
aijbe-35	72	70	internet	internet	NOUN
aijbe-35	72	71	banks	bank	NOUN
aijbe-35	72	72	than	than	ADP
aijbe-35	72	73	in	in	ADP
aijbe-35	72	74	non	non	ADJ
aijbe-35	72	75	internet	internet	NOUN
aijbe-35	72	76	banks	bank	NOUN
aijbe-35	72	77	in	in	ADP
aijbe-35	72	78	traditional	traditional	ADJ
aijbe-35	72	79	analogue	analogue	NOUN
aijbe-35	72	80	banks	bank	NOUN
aijbe-35	72	81	.	.	PUNCT
aijbe-35	73	1	de	de	X
aijbe-35	73	2	young	young	PROPN
aijbe-35	73	3	et	et	PROPN
aijbe-35	73	4	al	al	PROPN
aijbe-35	73	5	.	.	PUNCT
aijbe-35	73	6	(	(	PUNCT
aijbe-35	73	7	2007	2007	NUM
aijbe-35	73	8	)	)	PUNCT
aijbe-35	73	9	identified	identify	VERB
aijbe-35	73	10	the	the	DET
aijbe-35	73	11	factors	factor	NOUN
aijbe-35	73	12	that	that	PRON
aijbe-35	73	13	affect	affect	VERB
aijbe-35	73	14	bank	bank	NOUN
aijbe-35	73	15	’s	’s	PART
aijbe-35	73	16	performance	performance	NOUN
aijbe-35	73	17	in	in	ADP
aijbe-35	73	18	the	the	DET
aijbe-35	73	19	e	e	NOUN
aijbe-35	73	20	-	-	ADJ
aijbe-35	73	21	banking	banking	ADJ
aijbe-35	73	22	platform	platform	NOUN
aijbe-35	73	23	by	by	ADP
aijbe-35	73	24	undertaking	undertake	VERB
aijbe-35	73	25	a	a	DET
aijbe-35	73	26	survey	survey	NOUN
aijbe-35	73	27	study	study	NOUN
aijbe-35	73	28	of	of	ADP
aijbe-35	73	29	united	united	PROPN
aijbe-35	73	30	states	states	PROPN
aijbe-35	73	31	(	(	PUNCT
aijbe-35	73	32	us	us	PROPN
aijbe-35	73	33	)	)	PUNCT
aijbe-35	73	34	community	community	NOUN
aijbe-35	73	35	banks	bank	NOUN
aijbe-35	73	36	and	and	CCONJ
aijbe-35	73	37	did	do	VERB
aijbe-35	73	38	an	an	DET
aijbe-35	73	39	appraisal	appraisal	NOUN
aijbe-35	73	40	on	on	ADP
aijbe-35	73	41	virtual	virtual	ADJ
aijbe-35	73	42	click	click	NOUN
aijbe-35	73	43	and	and	CCONJ
aijbe-35	73	44	mortar	mortar	NOUN
aijbe-35	73	45	banks	bank	NOUN
aijbe-35	73	46	effect	effect	VERB
aijbe-35	73	47	on	on	ADP
aijbe-35	73	48	firm	firm	NOUN
aijbe-35	73	49	’s	’s	PART
aijbe-35	73	50	performance	performance	NOUN
aijbe-35	73	51	.	.	PUNCT
aijbe-35	74	1	the	the	DET
aijbe-35	74	2	study	study	NOUN
aijbe-35	74	3	confounded	confound	VERB
aijbe-35	74	4	that	that	DET
aijbe-35	74	5	bank	bank	NOUN
aijbe-35	74	6	’s	’s	PART
aijbe-35	74	7	profits	profit	NOUN
aijbe-35	74	8	actually	actually	ADV
aijbe-35	74	9	improved	improve	VERB
aijbe-35	74	10	due	due	ADJ
aijbe-35	74	11	to	to	ADP
aijbe-35	74	12	online	online	ADJ
aijbe-35	74	13	banking	banking	NOUN
aijbe-35	74	14	by	by	ADP
aijbe-35	74	15	accelerating	accelerate	VERB
aijbe-35	74	16	meaningful	meaningful	ADJ
aijbe-35	74	17	revenue	revenue	NOUN
aijbe-35	74	18	.	.	PUNCT
aijbe-35	75	1	a	a	DET
aijbe-35	75	2	consumer	consumer	NOUN
aijbe-35	75	3	acceptance	acceptance	NOUN
aijbe-35	75	4	of	of	ADP
aijbe-35	75	5	online	online	ADJ
aijbe-35	75	6	banking	banking	NOUN
aijbe-35	75	7	study	study	NOUN
aijbe-35	75	8	by	by	ADP
aijbe-35	75	9	pikkarainen	pikkarainen	PROPN
aijbe-35	75	10	et	et	PROPN
aijbe-35	75	11	al	al	PROPN
aijbe-35	75	12	(	(	PUNCT
aijbe-35	75	13	2004	2004	NUM
aijbe-35	75	14	)	)	PUNCT
aijbe-35	75	15	found	find	VERB
aijbe-35	75	16	that	that	SCONJ
aijbe-35	75	17	banks	bank	NOUN
aijbe-35	75	18	get	get	VERB
aijbe-35	75	19	noteworthy	noteworthy	ADJ
aijbe-35	75	20	cost	cost	NOUN
aijbe-35	75	21	savings	saving	NOUN
aijbe-35	75	22	by	by	ADP
aijbe-35	75	23	offering	offer	VERB
aijbe-35	75	24	online	online	ADJ
aijbe-35	75	25	banking	banking	NOUN
aijbe-35	75	26	services	service	NOUN
aijbe-35	75	27	and	and	CCONJ
aijbe-35	75	28	that	that	SCONJ
aijbe-35	75	29	it	it	PRON
aijbe-35	75	30	enables	enable	VERB
aijbe-35	75	31	them	they	PRON
aijbe-35	75	32	to	to	PART
aijbe-35	75	33	trim	trim	VERB
aijbe-35	75	34	their	their	PRON
aijbe-35	75	35	branches	branch	NOUN
aijbe-35	75	36	and	and	CCONJ
aijbe-35	75	37	reduce	reduce	VERB
aijbe-35	75	38	on	on	ADP
aijbe-35	75	39	the	the	DET
aijbe-35	75	40	staff	staff	NOUN
aijbe-35	75	41	numbers	number	NOUN
aijbe-35	75	42	which	which	PRON
aijbe-35	75	43	gives	give	VERB
aijbe-35	75	44	way	way	NOUN
aijbe-35	75	45	to	to	ADP
aijbe-35	75	46	self	self	NOUN
aijbe-35	75	47	-	-	PUNCT
aijbe-35	75	48	service	service	NOUN
aijbe-35	75	49	channels	channel	NOUN
aijbe-35	75	50	(	(	PUNCT
aijbe-35	75	51	karjaluoto	karjaluoto	PROPN
aijbe-35	75	52	,	,	PUNCT
aijbe-35	75	53	koivumäki	koivumäki	PROPN
aijbe-35	75	54	,	,	PUNCT
aijbe-35	75	55	&	&	CCONJ
aijbe-35	75	56	salo	salo	PROPN
aijbe-35	75	57	,	,	PUNCT
aijbe-35	75	58	2003	2003	NUM
aijbe-35	75	59	)	)	PUNCT
aijbe-35	75	60	.	.	PUNCT
aijbe-35	76	1	centeno	centeno	NOUN
aijbe-35	76	2	(	(	PUNCT
aijbe-35	76	3	2004	2004	NUM
aijbe-35	76	4	)	)	PUNCT
aijbe-35	76	5	notes	note	VERB
aijbe-35	76	6	that	that	SCONJ
aijbe-35	76	7	there	there	PRON
aijbe-35	76	8	are	be	VERB
aijbe-35	76	9	two	two	NUM
aijbe-35	76	10	categories	category	NOUN
aijbe-35	76	11	of	of	ADP
aijbe-35	76	12	factors	factor	NOUN
aijbe-35	76	13	affecting	affect	VERB
aijbe-35	76	14	e	e	NOUN
aijbe-35	76	15	-	-	ADJ
aijbe-35	76	16	banking	banking	ADJ
aijbe-35	76	17	adoption	adoption	NOUN
aijbe-35	76	18	,	,	PUNCT
aijbe-35	76	19	these	these	PRON
aijbe-35	76	20	are	be	AUX
aijbe-35	76	21	;	;	PUNCT
aijbe-35	76	22	factors	factor	NOUN
aijbe-35	76	23	that	that	PRON
aijbe-35	76	24	relate	relate	VERB
aijbe-35	76	25	to	to	ADP
aijbe-35	76	26	retail	retail	ADJ
aijbe-35	76	27	banking	banking	NOUN
aijbe-35	76	28	,	,	PUNCT
aijbe-35	76	29	and	and	CCONJ
aijbe-35	76	30	those	those	PRON
aijbe-35	76	31	that	that	PRON
aijbe-35	76	32	relate	relate	VERB
aijbe-35	76	33	to	to	ADP
aijbe-35	76	34	the	the	DET
aijbe-35	76	35	infrastructure	infrastructure	NOUN
aijbe-35	76	36	and	and	CCONJ
aijbe-35	76	37	technology	technology	NOUN
aijbe-35	76	38	accessibility	accessibility	NOUN
aijbe-35	76	39	comprising	comprising	NOUN
aijbe-35	76	40	of	of	ADP
aijbe-35	76	41	skills	skill	NOUN
aijbe-35	76	42	and	and	CCONJ
aijbe-35	76	43	competences	competence	NOUN
aijbe-35	76	44	on	on	ADP
aijbe-35	76	45	the	the	DET
aijbe-35	76	46	part	part	NOUN
aijbe-35	76	47	of	of	ADP
aijbe-35	76	48	customers	customer	NOUN
aijbe-35	76	49	in	in	ADP
aijbe-35	76	50	the	the	DET
aijbe-35	76	51	usage	usage	NOUN
aijbe-35	76	52	of	of	ADP
aijbe-35	76	53	internet	internet	NOUN
aijbe-35	76	54	and	and	CCONJ
aijbe-35	76	55	other	other	ADJ
aijbe-35	76	56	associated	associated	ADJ
aijbe-35	76	57	technologies	technology	NOUN
aijbe-35	76	58	,	,	PUNCT
aijbe-35	76	59	internet	internet	NOUN
aijbe-35	76	60	penetration	penetration	NOUN
aijbe-35	76	61	rate	rate	NOUN
aijbe-35	76	62	,	,	PUNCT
aijbe-35	76	63	technological	technological	ADJ
aijbe-35	76	64	attitude	attitude	NOUN
aijbe-35	76	65	,	,	PUNCT
aijbe-35	76	66	and	and	CCONJ
aijbe-35	76	67	internet	internet	NOUN
aijbe-35	76	68	security	security	NOUN
aijbe-35	76	69	and	and	CCONJ
aijbe-35	76	70	privacy	privacy	NOUN
aijbe-35	76	71	issues	issue	NOUN
aijbe-35	76	72	.	.	PUNCT
aijbe-35	77	1	it	it	PRON
aijbe-35	77	2	again	again	ADV
aijbe-35	77	3	involves	involve	VERB
aijbe-35	77	4	aspects	aspect	NOUN
aijbe-35	77	5	such	such	ADJ
aijbe-35	77	6	as	as	ADP
aijbe-35	77	7	online	online	ADJ
aijbe-35	77	8	banking	banking	NOUN
aijbe-35	77	9	culture	culture	NOUN
aijbe-35	77	10	,	,	PUNCT
aijbe-35	77	11	banking	banking	NOUN
aijbe-35	77	12	culture	culture	NOUN
aijbe-35	77	13	,	,	PUNCT
aijbe-35	77	14	mutual	mutual	ADJ
aijbe-35	77	15	trust	trust	NOUN
aijbe-35	77	16	in	in	ADP
aijbe-35	77	17	banking	banking	NOUN
aijbe-35	77	18	institutions	institution	NOUN
aijbe-35	77	19	and	and	CCONJ
aijbe-35	77	20	push	push	VERB
aijbe-35	77	21	in	in	ADP
aijbe-35	77	22	internet	internet	NOUN
aijbe-35	77	23	banking	banking	NOUN
aijbe-35	77	24	.	.	PUNCT
aijbe-35	78	1	berger	berger	PROPN
aijbe-35	78	2	(	(	PUNCT
aijbe-35	78	3	2003	2003	NUM
aijbe-35	78	4	)	)	PUNCT
aijbe-35	78	5	observed	observe	VERB
aijbe-35	78	6	how	how	SCONJ
aijbe-35	78	7	bank	bank	NOUN
aijbe-35	78	8	profits	profit	NOUN
aijbe-35	78	9	are	be	AUX
aijbe-35	78	10	affected	affect	VERB
aijbe-35	78	11	by	by	ADP
aijbe-35	78	12	banks	bank	NOUN
aijbe-35	78	13	spending	spend	VERB
aijbe-35	78	14	in	in	ADP
aijbe-35	78	15	view	view	NOUN
aijbe-35	78	16	of	of	ADP
aijbe-35	78	17	the	the	DET
aijbe-35	78	18	prevailing	prevail	VERB
aijbe-35	78	19	competition	competition	NOUN
aijbe-35	78	20	and	and	CCONJ
aijbe-35	78	21	concluded	conclude	VERB
aijbe-35	78	22	it	it	PRON
aijbe-35	78	23	leads	lead	VERB
aijbe-35	78	24	to	to	ADP
aijbe-35	78	25	cost	cost	NOUN
aijbe-35	78	26	saving	saving	NOUN
aijbe-35	78	27	,	,	PUNCT
aijbe-35	78	28	but	but	CCONJ
aijbe-35	78	29	higher	high	ADJ
aijbe-35	78	30	spending	spending	NOUN
aijbe-35	78	31	on	on	ADP
aijbe-35	78	32	it	it	PRON
aijbe-35	78	33	generates	generate	VERB
aijbe-35	78	34	network	network	NOUN
aijbe-35	78	35	effects	effect	NOUN
aijbe-35	78	36	that	that	PRON
aijbe-35	78	37	affect	affect	VERB
aijbe-35	78	38	profits	profit	NOUN
aijbe-35	78	39	negatively	negatively	ADV
aijbe-35	78	40	.	.	PUNCT
aijbe-35	79	1	simpson	simpson	PROPN
aijbe-35	79	2	(	(	PUNCT
aijbe-35	79	3	2002	2002	NUM
aijbe-35	79	4	)	)	PUNCT
aijbe-35	79	5	posits	posit	NOUN
aijbe-35	79	6	that	that	SCONJ
aijbe-35	79	7	operating	operating	NOUN
aijbe-35	79	8	costs	cost	NOUN
aijbe-35	79	9	reduction	reduction	NOUN
aijbe-35	79	10	and	and	CCONJ
aijbe-35	79	11	high	high	ADJ
aijbe-35	79	12	revenues	revenue	NOUN
aijbe-35	79	13	realization	realization	NOUN
aijbe-35	79	14	is	be	AUX
aijbe-35	79	15	a	a	DET
aijbe-35	79	16	major	major	ADJ
aijbe-35	79	17	driver	driver	NOUN
aijbe-35	79	18	to	to	ADP
aijbe-35	79	19	ebanking	ebanke	VERB
aijbe-35	79	20	.	.	PUNCT
aijbe-35	80	1	a	a	DET
aijbe-35	80	2	comparison	comparison	NOUN
aijbe-35	80	3	study	study	NOUN
aijbe-35	80	4	between	between	ADP
aijbe-35	80	5	emerging	emerge	VERB
aijbe-35	80	6	and	and	CCONJ
aijbe-35	80	7	developed	developed	ADJ
aijbe-35	80	8	markets	market	NOUN
aijbe-35	80	9	depicted	depict	VERB
aijbe-35	80	10	that	that	SCONJ
aijbe-35	80	11	greater	great	ADJ
aijbe-35	80	12	revenues	revenue	NOUN
aijbe-35	80	13	and	and	CCONJ
aijbe-35	80	14	lower	low	ADJ
aijbe-35	80	15	operating	operating	NOUN
aijbe-35	80	16	costs	cost	NOUN
aijbe-35	80	17	are	be	AUX
aijbe-35	80	18	realized	realize	VERB
aijbe-35	80	19	in	in	ADP
aijbe-35	80	20	developed	develop	VERB
aijbe-35	80	21	markets	market	NOUN
aijbe-35	80	22	.	.	PUNCT
aijbe-35	81	1	furst	furst	PROPN
aijbe-35	81	2	,	,	PUNCT
aijbe-35	81	3	lang	lang	PROPN
aijbe-35	81	4	,	,	PUNCT
aijbe-35	81	5	&	&	CCONJ
aijbe-35	81	6	nolle	nolle	PROPN
aijbe-35	81	7	(	(	PUNCT
aijbe-35	81	8	2002	2002	NUM
aijbe-35	81	9	)	)	PUNCT
aijbe-35	81	10	contended	contend	VERB
aijbe-35	81	11	that	that	SCONJ
aijbe-35	81	12	the	the	DET
aijbe-35	81	13	application	application	NOUN
aijbe-35	81	14	of	of	ADP
aijbe-35	81	15	click	click	NOUN
aijbe-35	81	16	and	and	CCONJ
aijbe-35	81	17	mortar	mortar	NOUN
aijbe-35	81	18	business	business	NOUN
aijbe-35	81	19	model	model	NOUN
aijbe-35	81	20	in	in	ADP
aijbe-35	81	21	federal	federal	PROPN
aijbe-35	81	22	chartered	charter	VERB
aijbe-35	81	23	us	us	PROPN
aijbe-35	81	24	banks	bank	NOUN
aijbe-35	81	25	results	result	VERB
aijbe-35	81	26	in	in	ADP
aijbe-35	81	27	reasonably	reasonably	ADV
aijbe-35	81	28	high	high	ADJ
aijbe-35	81	29	return	return	NOUN
aijbe-35	81	30	on	on	ADP
aijbe-35	81	31	equity	equity	NOUN
aijbe-35	81	32	(	(	PUNCT
aijbe-35	81	33	roe	roe	PROPN
aijbe-35	81	34	)	)	PUNCT
aijbe-35	81	35	.	.	PUNCT
aijbe-35	82	1	they	they	PRON
aijbe-35	82	2	also	also	ADV
aijbe-35	82	3	noted	note	VERB
aijbe-35	82	4	the	the	DET
aijbe-35	82	5	banks	bank	NOUN
aijbe-35	82	6	with	with	ADP
aijbe-35	82	7	greater	great	ADJ
aijbe-35	82	8	profitability	profitability	NOUN
aijbe-35	82	9	resulted	result	VERB
aijbe-35	82	10	from	from	ADP
aijbe-35	82	11	embracing	embrace	VERB
aijbe-35	82	12	internet	internet	NOUN
aijbe-35	82	13	banking	banking	NOUN
aijbe-35	82	14	after	after	ADP
aijbe-35	82	15	1998	1998	NUM
aijbe-35	82	16	.	.	PUNCT
aijbe-35	83	1	polatoglu	polatoglu	PROPN
aijbe-35	83	2	&	&	CCONJ
aijbe-35	83	3	ekin	ekin	PROPN
aijbe-35	83	4	(	(	PUNCT
aijbe-35	83	5	2001	2001	NUM
aijbe-35	83	6	)	)	PUNCT
aijbe-35	83	7	undertook	undertake	VERB
aijbe-35	83	8	a	a	DET
aijbe-35	83	9	study	study	NOUN
aijbe-35	83	10	on	on	ADP
aijbe-35	83	11	turkish	turkish	ADJ
aijbe-35	83	12	retail	retail	ADJ
aijbe-35	83	13	banking	banking	NOUN
aijbe-35	83	14	sector	sector	NOUN
aijbe-35	83	15	in	in	ADP
aijbe-35	83	16	which	which	PRON
aijbe-35	83	17	they	they	PRON
aijbe-35	83	18	found	find	VERB
aijbe-35	83	19	out	out	ADP
aijbe-35	83	20	that	that	SCONJ
aijbe-35	83	21	actually	actually	ADV
aijbe-35	83	22	e	e	X
aijbe-35	83	23	-	-	ADJ
aijbe-35	83	24	banking	banking	NOUN
aijbe-35	83	25	reduces	reduce	VERB
aijbe-35	83	26	banks	bank	NOUN
aijbe-35	83	27	’	’	PART
aijbe-35	83	28	operational	operational	ADJ
aijbe-35	83	29	costs	cost	NOUN
aijbe-35	83	30	and	and	CCONJ
aijbe-35	83	31	it	it	PRON
aijbe-35	83	32	accelerates	accelerate	VERB
aijbe-35	83	33	customer	customer	NOUN
aijbe-35	83	34	’s	’s	PART
aijbe-35	83	35	satisfaction	satisfaction	NOUN
aijbe-35	83	36	and	and	CCONJ
aijbe-35	83	37	retention	retention	NOUN
aijbe-35	83	38	rate	rate	NOUN
aijbe-35	83	39	.	.	PUNCT
aijbe-35	84	1	sullivan	sullivan	PROPN
aijbe-35	84	2	and	and	CCONJ
aijbe-35	84	3	richard	richard	PROPN
aijbe-35	84	4	(	(	PUNCT
aijbe-35	84	5	2000	2000	NUM
aijbe-35	84	6	)	)	PUNCT
aijbe-35	84	7	studied	study	VERB
aijbe-35	84	8	usa	usa	PROPN
aijbe-35	84	9	brick	brick	NOUN
aijbe-35	84	10	and	and	CCONJ
aijbe-35	84	11	mortar	mortar	NOUN
aijbe-35	84	12	banks	bank	NOUN
aijbe-35	84	13	and	and	CCONJ
aijbe-35	84	14	found	find	VERB
aijbe-35	84	15	no	no	DET
aijbe-35	84	16	significant	significant	ADJ
aijbe-35	84	17	advantage	advantage	NOUN
aijbe-35	84	18	of	of	ADP
aijbe-35	84	19	internet	internet	NOUN
aijbe-35	84	20	banking	banking	NOUN
aijbe-35	84	21	in	in	ADP
aijbe-35	84	22	this	this	DET
aijbe-35	84	23	practice	practice	NOUN
aijbe-35	84	24	.	.	PUNCT
aijbe-35	85	1	jayawardhena	jayawardhena	PROPN
aijbe-35	85	2	(	(	PUNCT
aijbe-35	85	3	2000	2000	NUM
aijbe-35	85	4	)	)	PUNCT
aijbe-35	85	5	showed	show	VERB
aijbe-35	85	6	that	that	SCONJ
aijbe-35	85	7	cost	cost	NOUN
aijbe-35	85	8	reduction	reduction	NOUN
aijbe-35	85	9	,	,	PUNCT
aijbe-35	85	10	profitable	profitable	ADJ
aijbe-35	85	11	gains	gain	NOUN
aijbe-35	85	12	,	,	PUNCT
aijbe-35	85	13	and	and	CCONJ
aijbe-35	85	14	efficiency	efficiency	NOUN
aijbe-35	85	15	are	be	AUX
aijbe-35	85	16	derived	derive	VERB
aijbe-35	85	17	from	from	ADP
aijbe-35	85	18	internet	internet	NOUN
aijbe-35	85	19	banking	banking	NOUN
aijbe-35	85	20	,	,	PUNCT
aijbe-35	85	21	yet	yet	CCONJ
aijbe-35	85	22	it	it	PRON
aijbe-35	85	23	is	be	AUX
aijbe-35	85	24	noticed	notice	VERB
aijbe-35	85	25	that	that	SCONJ
aijbe-35	85	26	very	very	ADV
aijbe-35	85	27	few	few	ADJ
aijbe-35	85	28	banks	bank	NOUN
aijbe-35	85	29	use	use	VERB
aijbe-35	85	30	it	it	PRON
aijbe-35	85	31	and	and	CCONJ
aijbe-35	85	32	that	that	SCONJ
aijbe-35	85	33	only	only	ADV
aijbe-35	85	34	fewer	few	ADJ
aijbe-35	85	35	clients	client	NOUN
aijbe-35	85	36	constituting	constitute	VERB
aijbe-35	85	37	less	less	ADJ
aijbe-35	85	38	than	than	ADP
aijbe-35	85	39	five	five	NUM
aijbe-35	85	40	hundred	hundred	NUM
aijbe-35	85	41	thousand	thousand	NUM
aijbe-35	85	42	has	have	AUX
aijbe-35	85	43	so	so	ADV
aijbe-35	85	44	far	far	ADV
aijbe-35	85	45	embraced	embrace	VERB
aijbe-35	85	46	the	the	DET
aijbe-35	85	47	technological	technological	ADJ
aijbe-35	85	48	services	service	NOUN
aijbe-35	85	49	in	in	ADP
aijbe-35	85	50	ebanking	ebanke	VERB
aijbe-35	85	51	in	in	ADP
aijbe-35	85	52	the	the	DET
aijbe-35	85	53	uk	uk	PROPN
aijbe-35	85	54	.	.	PROPN
aijbe-35	85	55	2.4.2	2.4.2	NUM
aijbe-35	85	56	local	local	ADJ
aijbe-35	85	57	research	research	NOUN
aijbe-35	85	58	studies	study	NOUN
aijbe-35	85	59	various	various	ADJ
aijbe-35	85	60	studies	study	NOUN
aijbe-35	85	61	done	do	VERB
aijbe-35	85	62	in	in	ADP
aijbe-35	85	63	nigeria	nigeria	PROPN
aijbe-35	85	64	have	have	AUX
aijbe-35	85	65	also	also	ADV
aijbe-35	85	66	shown	show	VERB
aijbe-35	85	67	the	the	DET
aijbe-35	85	68	effect	effect	NOUN
aijbe-35	85	69	of	of	ADP
aijbe-35	85	70	e	e	NOUN
aijbe-35	85	71	-	-	NOUN
aijbe-35	85	72	banking	banking	NOUN
aijbe-35	85	73	on	on	ADP
aijbe-35	85	74	performance	performance	NOUN
aijbe-35	85	75	in	in	ADP
aijbe-35	85	76	the	the	DET
aijbe-35	85	77	banking	banking	NOUN
aijbe-35	85	78	industry	industry	NOUN
aijbe-35	85	79	.	.	PUNCT
aijbe-35	86	1	kariuki	kariuki	PROPN
aijbe-35	86	2	(	(	PUNCT
aijbe-35	86	3	2005	2005	NUM
aijbe-35	86	4	)	)	PUNCT
aijbe-35	86	5	studied	study	VERB
aijbe-35	86	6	nigeria	nigeria	PROPN
aijbe-35	86	7	’s	’s	PART
aijbe-35	86	8	commercial	commercial	ADJ
aijbe-35	86	9	banks	bank	NOUN
aijbe-35	86	10	and	and	CCONJ
aijbe-35	86	11	the	the	DET
aijbe-35	86	12	effect	effect	NOUN
aijbe-35	86	13	on	on	ADP
aijbe-35	86	14	financial	financial	ADJ
aijbe-35	86	15	performance	performance	NOUN
aijbe-35	86	16	due	due	ADP
aijbe-35	86	17	to	to	ADP
aijbe-35	86	18	the	the	DET
aijbe-35	86	19	different	different	ADJ
aijbe-35	86	20	products	product	NOUN
aijbe-35	86	21	developed	develop	VERB
aijbe-35	86	22	.	.	PUNCT
aijbe-35	87	1	the	the	DET
aijbe-35	87	2	study	study	NOUN
aijbe-35	87	3	found	find	VERB
aijbe-35	87	4	out	out	ADP
aijbe-35	87	5	that	that	SCONJ
aijbe-35	87	6	the	the	DET
aijbe-35	87	7	development	development	NOUN
aijbe-35	87	8	of	of	ADP
aijbe-35	87	9	new	new	ADJ
aijbe-35	87	10	products	product	NOUN
aijbe-35	87	11	positively	positively	ADV
aijbe-35	87	12	affected	affect	VERB
aijbe-35	87	13	financial	financial	ADJ
aijbe-35	87	14	performance	performance	NOUN
aijbe-35	87	15	in	in	ADP
aijbe-35	87	16	nigeria	nigeria	PROPN
aijbe-35	87	17	’s	’s	PART
aijbe-35	87	18	banks	bank	NOUN
aijbe-35	87	19	.	.	PUNCT
aijbe-35	88	1	oluwagbemi	oluwagbemi	PROPN
aijbe-35	88	2	,	,	PUNCT
aijbe-35	88	3	abah	abah	ADJ
aijbe-35	88	4	,	,	PUNCT
aijbe-35	88	5	&	&	CCONJ
aijbe-35	88	6	achimugu	achimugu	PROPN
aijbe-35	88	7	(	(	PUNCT
aijbe-35	88	8	2011	2011	NUM
aijbe-35	88	9	)	)	PUNCT
aijbe-35	88	10	conducted	conduct	VERB
aijbe-35	88	11	a	a	DET
aijbe-35	88	12	study	study	NOUN
aijbe-35	88	13	on	on	ADP
aijbe-35	88	14	nigeria	nigeria	PROPN
aijbe-35	88	15	’s	’s	PART
aijbe-35	88	16	commercial	commercial	ADJ
aijbe-35	88	17	banks	bank	NOUN
aijbe-35	88	18	adoption	adoption	NOUN
aijbe-35	88	19	of	of	ADP
aijbe-35	88	20	electronic	electronic	ADJ
aijbe-35	88	21	banking	banking	NOUN
aijbe-35	88	22	.	.	PUNCT
aijbe-35	89	1	the	the	DET
aijbe-35	89	2	study	study	NOUN
aijbe-35	89	3	findings	finding	NOUN
aijbe-35	89	4	revealed	reveal	VERB
aijbe-35	89	5	that	that	SCONJ
aijbe-35	89	6	the	the	DET
aijbe-35	89	7	adoption	adoption	NOUN
aijbe-35	89	8	was	be	AUX
aijbe-35	89	9	of	of	ADP
aijbe-35	89	10	great	great	ADJ
aijbe-35	89	11	benefit	benefit	NOUN
aijbe-35	89	12	but	but	CCONJ
aijbe-35	89	13	was	be	AUX
aijbe-35	89	14	predicated	predicate	VERB
aijbe-35	89	15	on	on	ADP
aijbe-35	89	16	the	the	DET
aijbe-35	89	17	bank	bank	NOUN
aijbe-35	89	18	services	service	NOUN
aijbe-35	89	19	being	be	AUX
aijbe-35	89	20	available	available	ADJ
aijbe-35	89	21	24/7	24/7	NOUN
aijbe-35	89	22	,	,	PUNCT
aijbe-35	89	23	facilitating	facilitate	VERB
aijbe-35	89	24	faster	fast	ADJ
aijbe-35	89	25	service	service	NOUN
aijbe-35	89	26	delivery	delivery	NOUN
aijbe-35	89	27	and	and	CCONJ
aijbe-35	89	28	customer	customer	NOUN
aijbe-35	89	29	satisfaction	satisfaction	NOUN
aijbe-35	89	30	.	.	PUNCT
aijbe-35	90	1	muhammad	muhammad	PROPN
aijbe-35	90	2	aminu	aminu	PROPN
aijbe-35	90	3	isa	isa	PROPN
aijbe-35	90	4	(	(	PUNCT
aijbe-35	90	5	2023	2023	NUM
aijbe-35	90	6	)	)	PUNCT
aijbe-35	90	7	56	56	NUM
aijbe-35	90	8	american	american	ADJ
aijbe-35	90	9	interdisciplinary	interdisciplinary	ADJ
aijbe-35	90	10	journal	journal	NOUN
aijbe-35	90	11	of	of	ADP
aijbe-35	90	12	business	business	NOUN
aijbe-35	90	13	and	and	CCONJ
aijbe-35	90	14	economics	economic	NOUN
aijbe-35	90	15	|	|	ADV
aijbe-35	90	16	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADV
aijbe-35	90	17	chaven	chaven	NOUN
aijbe-35	90	18	(	(	PUNCT
aijbe-35	90	19	2013	2013	NUM
aijbe-35	90	20	)	)	PUNCT
aijbe-35	90	21	in	in	ADP
aijbe-35	90	22	his	his	PRON
aijbe-35	90	23	study	study	NOUN
aijbe-35	90	24	found	find	VERB
aijbe-35	90	25	that	that	SCONJ
aijbe-35	90	26	banks	bank	NOUN
aijbe-35	90	27	offering	offer	VERB
aijbe-35	90	28	internet	internet	NOUN
aijbe-35	90	29	banking	banking	NOUN
aijbe-35	90	30	are	be	AUX
aijbe-35	90	31	mainly	mainly	ADV
aijbe-35	90	32	large	large	ADJ
aijbe-35	90	33	banks	bank	NOUN
aijbe-35	90	34	with	with	ADP
aijbe-35	90	35	a	a	DET
aijbe-35	90	36	large	large	ADJ
aijbe-35	90	37	asset	asset	NOUN
aijbe-35	90	38	base	base	NOUN
aijbe-35	90	39	as	as	ADV
aijbe-35	90	40	well	well	ADV
aijbe-35	90	41	as	as	ADP
aijbe-35	90	42	profit	profit	NOUN
aijbe-35	90	43	margin	margin	NOUN
aijbe-35	90	44	as	as	SCONJ
aijbe-35	90	45	contrasted	contrast	VERB
aijbe-35	90	46	with	with	ADP
aijbe-35	90	47	non	non	ADJ
aijbe-35	90	48	-	-	ADJ
aijbe-35	90	49	internet	internet	ADJ
aijbe-35	90	50	banking	banking	NOUN
aijbe-35	90	51	banks	bank	NOUN
aijbe-35	90	52	.	.	PUNCT
aijbe-35	91	1	the	the	DET
aijbe-35	91	2	results	result	NOUN
aijbe-35	91	3	revealed	reveal	VERB
aijbe-35	91	4	that	that	SCONJ
aijbe-35	91	5	averagely	averagely	ADV
aijbe-35	91	6	,	,	PUNCT
aijbe-35	91	7	internet	internet	NOUN
aijbe-35	91	8	banks	bank	NOUN
aijbe-35	91	9	post	post	VERB
aijbe-35	91	10	more	more	ADJ
aijbe-35	91	11	profit	profit	NOUN
aijbe-35	91	12	than	than	ADP
aijbe-35	91	13	non	non	ADJ
aijbe-35	91	14	-	-	ADJ
aijbe-35	91	15	internet	internet	ADJ
aijbe-35	91	16	banks	bank	NOUN
aijbe-35	91	17	.	.	PUNCT
aijbe-35	92	1	however	however	ADV
aijbe-35	92	2	,	,	PUNCT
aijbe-35	92	3	the	the	DET
aijbe-35	92	4	multiple	multiple	ADJ
aijbe-35	92	5	regression	regression	NOUN
aijbe-35	92	6	results	result	NOUN
aijbe-35	92	7	revealed	reveal	VERB
aijbe-35	92	8	a	a	DET
aijbe-35	92	9	small	small	ADJ
aijbe-35	92	10	,	,	PUNCT
aijbe-35	92	11	not	not	PART
aijbe-35	92	12	significant	significant	ADJ
aijbe-35	92	13	association	association	NOUN
aijbe-35	92	14	between	between	ADP
aijbe-35	92	15	a	a	DET
aijbe-35	92	16	bank	bank	NOUN
aijbe-35	92	17	’s	’s	PART
aijbe-35	92	18	performance	performance	NOUN
aijbe-35	92	19	and	and	CCONJ
aijbe-35	92	20	offering	offer	VERB
aijbe-35	92	21	internet	internet	NOUN
aijbe-35	92	22	banking	banking	NOUN
aijbe-35	92	23	,	,	PUNCT
aijbe-35	92	24	larger	large	ADJ
aijbe-35	92	25	significant	significant	ADJ
aijbe-35	92	26	and	and	CCONJ
aijbe-35	92	27	negative	negative	ADJ
aijbe-35	92	28	association	association	NOUN
aijbe-35	92	29	with	with	ADP
aijbe-35	92	30	risk	risk	NOUN
aijbe-35	92	31	profile	profile	NOUN
aijbe-35	92	32	of	of	ADP
aijbe-35	92	33	the	the	DET
aijbe-35	92	34	banks	bank	NOUN
aijbe-35	92	35	meaning	mean	VERB
aijbe-35	92	36	that	that	SCONJ
aijbe-35	92	37	internet	internet	NOUN
aijbe-35	92	38	based	base	VERB
aijbe-35	92	39	banks	bank	NOUN
aijbe-35	92	40	become	become	VERB
aijbe-35	92	41	better	well	ADJ
aijbe-35	92	42	off	off	ADP
aijbe-35	92	43	from	from	ADP
aijbe-35	92	44	risks	risk	NOUN
aijbe-35	92	45	such	such	ADJ
aijbe-35	92	46	as	as	ADP
aijbe-35	92	47	nonperforming	nonperforme	VERB
aijbe-35	92	48	loans	loan	NOUN
aijbe-35	92	49	.	.	PUNCT
aijbe-35	93	1	however	however	ADV
aijbe-35	93	2	,	,	PUNCT
aijbe-35	93	3	the	the	DET
aijbe-35	93	4	benefit	benefit	NOUN
aijbe-35	93	5	expected	expect	VERB
aijbe-35	93	6	of	of	ADP
aijbe-35	93	7	internet	internet	NOUN
aijbe-35	93	8	banking	banking	NOUN
aijbe-35	93	9	is	be	AUX
aijbe-35	93	10	yet	yet	ADV
aijbe-35	93	11	to	to	PART
aijbe-35	93	12	show	show	VERB
aijbe-35	93	13	some	some	DET
aijbe-35	93	14	substantial	substantial	ADJ
aijbe-35	93	15	positive	positive	ADJ
aijbe-35	93	16	financial	financial	ADJ
aijbe-35	93	17	gains	gain	NOUN
aijbe-35	93	18	and	and	CCONJ
aijbe-35	93	19	requires	require	VERB
aijbe-35	93	20	future	future	ADJ
aijbe-35	93	21	investigation	investigation	NOUN
aijbe-35	93	22	as	as	ADP
aijbe-35	93	23	internet	internet	NOUN
aijbe-35	93	24	banking	banking	NOUN
aijbe-35	93	25	matures	mature	NOUN
aijbe-35	93	26	in	in	ADP
aijbe-35	93	27	the	the	DET
aijbe-35	93	28	country	country	NOUN
aijbe-35	93	29	.	.	PUNCT
aijbe-35	94	1	a	a	DET
aijbe-35	94	2	research	research	NOUN
aijbe-35	94	3	paper	paper	NOUN
aijbe-35	94	4	done	do	VERB
aijbe-35	94	5	by	by	ADP
aijbe-35	94	6	kariuki	kariuki	PROPN
aijbe-35	94	7	(	(	PUNCT
aijbe-35	94	8	2005	2005	NUM
aijbe-35	94	9	)	)	PUNCT
aijbe-35	94	10	,	,	PUNCT
aijbe-35	94	11	showed	show	VERB
aijbe-35	94	12	the	the	DET
aijbe-35	94	13	positive	positive	ADJ
aijbe-35	94	14	impacts	impact	NOUN
aijbe-35	94	15	of	of	ADP
aijbe-35	94	16	ict	ict	NOUN
aijbe-35	94	17	on	on	ADP
aijbe-35	94	18	banks	bank	NOUN
aijbe-35	94	19	’	'	PUNCT
aijbe-35	94	20	performance	performance	NOUN
aijbe-35	94	21	.	.	PUNCT
aijbe-35	95	1	he	he	PRON
aijbe-35	95	2	established	establish	VERB
aijbe-35	95	3	that	that	DET
aijbe-35	95	4	deployment	deployment	NOUN
aijbe-35	95	5	of	of	ADP
aijbe-35	95	6	e	e	NOUN
aijbe-35	95	7	-	-	NOUN
aijbe-35	95	8	banking	banking	ADJ
aijbe-35	95	9	results	result	NOUN
aijbe-35	95	10	in	in	ADP
aijbe-35	95	11	increased	increase	VERB
aijbe-35	95	12	profits	profit	NOUN
aijbe-35	95	13	though	though	ADV
aijbe-35	95	14	in	in	ADP
aijbe-35	95	15	long	long	ADJ
aijbe-35	95	16	-	-	PUNCT
aijbe-35	95	17	term	term	NOUN
aijbe-35	95	18	but	but	CCONJ
aijbe-35	95	19	not	not	PART
aijbe-35	95	20	in	in	ADP
aijbe-35	95	21	short	short	ADJ
aijbe-35	95	22	-	-	PUNCT
aijbe-35	95	23	term	term	NOUN
aijbe-35	95	24	due	due	ADP
aijbe-35	95	25	to	to	ADP
aijbe-35	95	26	the	the	DET
aijbe-35	95	27	initial	initial	ADJ
aijbe-35	95	28	capital	capital	NOUN
aijbe-35	95	29	outlay	outlay	NOUN
aijbe-35	95	30	for	for	ADP
aijbe-35	95	31	the	the	DET
aijbe-35	95	32	ict	ict	PROPN
aijbe-35	95	33	investment	investment	NOUN
aijbe-35	95	34	.	.	PUNCT
aijbe-35	96	1	further	far	ADV
aijbe-35	96	2	he	he	PRON
aijbe-35	96	3	offers	offer	VERB
aijbe-35	96	4	evidence	evidence	NOUN
aijbe-35	96	5	that	that	SCONJ
aijbe-35	96	6	the	the	DET
aijbe-35	96	7	usage	usage	NOUN
aijbe-35	96	8	of	of	ADP
aijbe-35	96	9	e	e	NOUN
aijbe-35	96	10	-	-	NOUN
aijbe-35	96	11	banking	banking	NOUN
aijbe-35	96	12	can	can	AUX
aijbe-35	96	13	result	result	VERB
aijbe-35	96	14	in	in	ADP
aijbe-35	96	15	market	market	NOUN
aijbe-35	96	16	share	share	NOUN
aijbe-35	96	17	growth	growth	NOUN
aijbe-35	96	18	,	,	PUNCT
aijbe-35	96	19	diversified	diversify	VERB
aijbe-35	96	20	product	product	NOUN
aijbe-35	96	21	range	range	NOUN
aijbe-35	96	22	and	and	CCONJ
aijbe-35	96	23	products	product	NOUN
aijbe-35	96	24	that	that	PRON
aijbe-35	96	25	are	be	AUX
aijbe-35	96	26	tailored	tailor	VERB
aijbe-35	96	27	to	to	PART
aijbe-35	96	28	suit	suit	VERB
aijbe-35	96	29	customer	customer	NOUN
aijbe-35	96	30	needs	need	NOUN
aijbe-35	96	31	which	which	PRON
aijbe-35	96	32	ensures	ensure	VERB
aijbe-35	96	33	that	that	SCONJ
aijbe-35	96	34	the	the	DET
aijbe-35	96	35	commercial	commercial	ADJ
aijbe-35	96	36	banks	bank	NOUN
aijbe-35	96	37	are	be	AUX
aijbe-35	96	38	in	in	ADP
aijbe-35	96	39	an	an	DET
aijbe-35	96	40	improved	improved	ADJ
aijbe-35	96	41	position	position	NOUN
aijbe-35	96	42	to	to	PART
aijbe-35	96	43	satisfy	satisfy	VERB
aijbe-35	96	44	customer	customer	NOUN
aijbe-35	96	45	demands	demand	NOUN
aijbe-35	96	46	.	.	PUNCT
aijbe-35	97	1	2.5	2.5	NUM
aijbe-35	97	2	research	research	NOUN
aijbe-35	97	3	framework	framework	NOUN
aijbe-35	97	4	a	a	DET
aijbe-35	97	5	research	research	NOUN
aijbe-35	97	6	framework	framework	NOUN
aijbe-35	97	7	is	be	AUX
aijbe-35	97	8	necessary	necessary	ADJ
aijbe-35	97	9	to	to	PART
aijbe-35	97	10	develop	develop	VERB
aijbe-35	97	11	on	on	ADP
aijbe-35	97	12	how	how	SCONJ
aijbe-35	97	13	the	the	DET
aijbe-35	97	14	relation	relation	NOUN
aijbe-35	97	15	between	between	ADP
aijbe-35	97	16	e	e	NOUN
aijbe-35	97	17	-	-	NOUN
aijbe-35	97	18	banking	banking	ADJ
aijbe-35	97	19	and	and	CCONJ
aijbe-35	97	20	financial	financial	ADJ
aijbe-35	97	21	performance	performance	NOUN
aijbe-35	97	22	of	of	ADP
aijbe-35	97	23	the	the	DET
aijbe-35	97	24	nigerian	nigerian	ADJ
aijbe-35	97	25	banking	banking	NOUN
aijbe-35	97	26	industry	industry	NOUN
aijbe-35	97	27	is	be	AUX
aijbe-35	97	28	correlated	correlate	VERB
aijbe-35	97	29	and	and	CCONJ
aijbe-35	97	30	the	the	DET
aijbe-35	97	31	direction	direction	NOUN
aijbe-35	97	32	between	between	ADP
aijbe-35	97	33	the	the	DET
aijbe-35	97	34	pairs	pair	NOUN
aijbe-35	97	35	.	.	PUNCT
aijbe-35	98	1	3	3	X
aijbe-35	98	2	.	.	X
aijbe-35	98	3	research	research	NOUN
aijbe-35	98	4	methodology	methodology	NOUN
aijbe-35	98	5	3.1	3.1	NUM
aijbe-35	98	6	population	population	NOUN
aijbe-35	98	7	and	and	CCONJ
aijbe-35	98	8	sample	sample	NOUN
aijbe-35	98	9	size	size	NOUN
aijbe-35	98	10	the	the	DET
aijbe-35	98	11	study	study	NOUN
aijbe-35	98	12	was	be	AUX
aijbe-35	98	13	centered	center	VERB
aijbe-35	98	14	on	on	ADP
aijbe-35	98	15	all	all	DET
aijbe-35	98	16	the	the	DET
aijbe-35	98	17	commercial	commercial	ADJ
aijbe-35	98	18	banks	bank	NOUN
aijbe-35	98	19	governed	govern	VERB
aijbe-35	98	20	and	and	CCONJ
aijbe-35	98	21	licensed	license	VERB
aijbe-35	98	22	by	by	ADP
aijbe-35	98	23	the	the	DET
aijbe-35	98	24	central	central	ADJ
aijbe-35	98	25	bank	bank	PROPN
aijbe-35	98	26	of	of	ADP
aijbe-35	98	27	nigeria	nigeria	PROPN
aijbe-35	98	28	.	.	PUNCT
aijbe-35	99	1	a	a	DET
aijbe-35	99	2	census	census	NOUN
aijbe-35	99	3	survey	survey	NOUN
aijbe-35	99	4	was	be	AUX
aijbe-35	99	5	used	use	VERB
aijbe-35	99	6	.	.	PUNCT
aijbe-35	100	1	automatic	automatic	ADJ
aijbe-35	100	2	teller	teller	NOUN
aijbe-35	100	3	machine	machine	NOUN
aijbe-35	100	4	mobile	mobile	PROPN
aijbe-35	100	5	banking	banking	NOUN
aijbe-35	100	6	internet	internet	NOUN
aijbe-35	100	7	banking	banking	NOUN
aijbe-35	100	8	mobile	mobile	ADJ
aijbe-35	100	9	banking	banking	NOUN
aijbe-35	100	10	independent	independent	ADJ
aijbe-35	100	11	variables	variable	VERB
aijbe-35	100	12	dependent	dependent	ADJ
aijbe-35	100	13	variable	variable	ADJ
aijbe-35	100	14	muhammad	muhammad	PROPN
aijbe-35	100	15	aminu	aminu	PROPN
aijbe-35	100	16	isa	isa	PROPN
aijbe-35	100	17	(	(	PUNCT
aijbe-35	100	18	2023	2023	NUM
aijbe-35	100	19	)	)	PUNCT
aijbe-35	100	20	american	american	ADJ
aijbe-35	100	21	interdisciplinary	interdisciplinary	ADJ
aijbe-35	100	22	journal	journal	NOUN
aijbe-35	100	23	of	of	ADP
aijbe-35	100	24	business	business	NOUN
aijbe-35	100	25	and	and	CCONJ
aijbe-35	100	26	economics	economic	NOUN
aijbe-35	100	27	|	|	ADV
aijbe-35	100	28	57	57	NUM
aijbe-35	100	29	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	SYM
aijbe-35	100	30	3.2	3.2	NUM
aijbe-35	100	31	data	datum	NOUN
aijbe-35	100	32	collection	collection	NOUN
aijbe-35	100	33	the	the	DET
aijbe-35	100	34	study	study	NOUN
aijbe-35	100	35	used	use	VERB
aijbe-35	100	36	secondary	secondary	ADJ
aijbe-35	100	37	data	datum	NOUN
aijbe-35	100	38	which	which	PRON
aijbe-35	100	39	encompassed	encompass	VERB
aijbe-35	100	40	a	a	DET
aijbe-35	100	41	mixture	mixture	NOUN
aijbe-35	100	42	of	of	ADP
aijbe-35	100	43	published	publish	VERB
aijbe-35	100	44	and	and	CCONJ
aijbe-35	100	45	unpublished	unpublished	ADJ
aijbe-35	100	46	material	material	NOUN
aijbe-35	100	47	pertinent	pertinent	NOUN
aijbe-35	100	48	to	to	ADP
aijbe-35	100	49	the	the	DET
aijbe-35	100	50	research	research	NOUN
aijbe-35	100	51	.	.	PUNCT
aijbe-35	101	1	the	the	DET
aijbe-35	101	2	secondary	secondary	ADJ
aijbe-35	101	3	data	datum	NOUN
aijbe-35	101	4	is	be	AUX
aijbe-35	101	5	significant	significant	ADJ
aijbe-35	101	6	as	as	SCONJ
aijbe-35	101	7	it	it	PRON
aijbe-35	101	8	includes	include	VERB
aijbe-35	101	9	the	the	DET
aijbe-35	101	10	logical	logical	ADJ
aijbe-35	101	11	framework	framework	NOUN
aijbe-35	101	12	of	of	ADP
aijbe-35	101	13	the	the	DET
aijbe-35	101	14	research	research	NOUN
aijbe-35	101	15	(	(	PUNCT
aijbe-35	101	16	agwu	agwu	PROPN
aijbe-35	101	17	&	&	CCONJ
aijbe-35	101	18	carter	carter	PROPN
aijbe-35	101	19	,	,	PUNCT
aijbe-35	101	20	2014	2014	NUM
aijbe-35	101	21	)	)	PUNCT
aijbe-35	101	22	.	.	PUNCT
aijbe-35	102	1	for	for	ADP
aijbe-35	102	2	the	the	DET
aijbe-35	102	3	purpose	purpose	NOUN
aijbe-35	102	4	of	of	ADP
aijbe-35	102	5	the	the	DET
aijbe-35	102	6	study	study	NOUN
aijbe-35	102	7	,	,	PUNCT
aijbe-35	102	8	the	the	DET
aijbe-35	102	9	collected	collect	VERB
aijbe-35	102	10	secondary	secondary	ADJ
aijbe-35	102	11	data	datum	NOUN
aijbe-35	102	12	included	include	VERB
aijbe-35	102	13	central	central	ADJ
aijbe-35	102	14	bank	bank	PROPN
aijbe-35	102	15	of	of	ADP
aijbe-35	102	16	nigeria	nigeria	PROPN
aijbe-35	102	17	periodic	periodic	ADJ
aijbe-35	102	18	reports	report	NOUN
aijbe-35	102	19	and	and	CCONJ
aijbe-35	102	20	financial	financial	ADJ
aijbe-35	102	21	reports	report	NOUN
aijbe-35	102	22	of	of	ADP
aijbe-35	102	23	the	the	DET
aijbe-35	102	24	commercial	commercial	ADJ
aijbe-35	102	25	banks	bank	NOUN
aijbe-35	102	26	for	for	ADP
aijbe-35	102	27	the	the	DET
aijbe-35	102	28	period	period	NOUN
aijbe-35	102	29	2013	2013	NUM
aijbe-35	102	30	to	to	ADP
aijbe-35	102	31	2017	2017	NUM
aijbe-35	102	32	.	.	PUNCT
aijbe-35	103	1	data	datum	NOUN
aijbe-35	103	2	on	on	ADP
aijbe-35	103	3	financial	financial	ADJ
aijbe-35	103	4	performance	performance	NOUN
aijbe-35	103	5	such	such	ADJ
aijbe-35	103	6	as	as	ADP
aijbe-35	103	7	earnings	earning	NOUN
aijbe-35	103	8	and	and	CCONJ
aijbe-35	103	9	financial	financial	ADJ
aijbe-35	103	10	ratios	ratio	NOUN
aijbe-35	103	11	were	be	AUX
aijbe-35	103	12	obtained	obtain	VERB
aijbe-35	103	13	from	from	ADP
aijbe-35	103	14	the	the	DET
aijbe-35	103	15	audited	audit	VERB
aijbe-35	103	16	financial	financial	ADJ
aijbe-35	103	17	statements	statement	NOUN
aijbe-35	103	18	while	while	SCONJ
aijbe-35	103	19	data	datum	NOUN
aijbe-35	103	20	on	on	ADP
aijbe-35	103	21	electronic	electronic	ADJ
aijbe-35	103	22	banking	banking	NOUN
aijbe-35	103	23	services	service	NOUN
aijbe-35	103	24	such	such	ADJ
aijbe-35	103	25	as	as	ADP
aijbe-35	103	26	services	service	NOUN
aijbe-35	103	27	offered	offer	VERB
aijbe-35	103	28	and	and	CCONJ
aijbe-35	103	29	their	their	PRON
aijbe-35	103	30	respective	respective	ADJ
aijbe-35	103	31	quantities	quantity	NOUN
aijbe-35	103	32	were	be	AUX
aijbe-35	103	33	obtained	obtain	VERB
aijbe-35	103	34	from	from	ADP
aijbe-35	103	35	the	the	DET
aijbe-35	103	36	various	various	ADJ
aijbe-35	103	37	cbn	cbn	PROPN
aijbe-35	103	38	periodic	periodic	ADJ
aijbe-35	103	39	reports	report	NOUN
aijbe-35	103	40	.	.	PUNCT
aijbe-35	104	1	3.3	3.3	NUM
aijbe-35	104	2	data	datum	NOUN
aijbe-35	104	3	analysis	analysis	NOUN
aijbe-35	104	4	the	the	DET
aijbe-35	104	5	data	datum	NOUN
aijbe-35	104	6	was	be	AUX
aijbe-35	104	7	cleaned	clean	VERB
aijbe-35	104	8	,	,	PUNCT
aijbe-35	104	9	sorted	sort	VERB
aijbe-35	104	10	and	and	CCONJ
aijbe-35	104	11	checked	check	VERB
aijbe-35	104	12	for	for	ADP
aijbe-35	104	13	completeness	completeness	NOUN
aijbe-35	104	14	and	and	CCONJ
aijbe-35	104	15	consistency	consistency	NOUN
aijbe-35	104	16	after	after	ADP
aijbe-35	104	17	collection	collection	NOUN
aijbe-35	104	18	.	.	PUNCT
aijbe-35	105	1	statistical	statistical	ADJ
aijbe-35	105	2	package	package	NOUN
aijbe-35	105	3	for	for	ADP
aijbe-35	105	4	the	the	DET
aijbe-35	105	5	social	social	ADJ
aijbe-35	105	6	sciences	sciences	PROPN
aijbe-35	105	7	(	(	PUNCT
aijbe-35	105	8	spss	spss	PROPN
aijbe-35	105	9	)	)	PUNCT
aijbe-35	105	10	was	be	AUX
aijbe-35	105	11	then	then	ADV
aijbe-35	105	12	used	use	VERB
aijbe-35	105	13	to	to	PART
aijbe-35	105	14	analyses	analyse	VERB
aijbe-35	105	15	the	the	DET
aijbe-35	105	16	data	datum	NOUN
aijbe-35	105	17	’s	’s	PART
aijbe-35	105	18	descriptive	descriptive	ADJ
aijbe-35	105	19	statistics	statistic	NOUN
aijbe-35	105	20	such	such	ADJ
aijbe-35	105	21	as	as	ADP
aijbe-35	105	22	maximum	maximum	ADJ
aijbe-35	105	23	,	,	PUNCT
aijbe-35	105	24	minimum	minimum	ADJ
aijbe-35	105	25	,	,	PUNCT
aijbe-35	105	26	mean	mean	ADJ
aijbe-35	105	27	,	,	PUNCT
aijbe-35	105	28	and	and	CCONJ
aijbe-35	105	29	standard	standard	ADJ
aijbe-35	105	30	deviation	deviation	NOUN
aijbe-35	105	31	to	to	PART
aijbe-35	105	32	outline	outline	VERB
aijbe-35	105	33	sample	sample	NOUN
aijbe-35	105	34	characteristics	characteristic	NOUN
aijbe-35	105	35	and	and	CCONJ
aijbe-35	105	36	significant	significant	ADJ
aijbe-35	105	37	trends	trend	NOUN
aijbe-35	105	38	from	from	ADP
aijbe-35	105	39	the	the	DET
aijbe-35	105	40	collected	collect	VERB
aijbe-35	105	41	data	datum	NOUN
aijbe-35	105	42	.	.	PUNCT
aijbe-35	106	1	a	a	DET
aijbe-35	106	2	multiple	multiple	ADJ
aijbe-35	106	3	linear	linear	ADJ
aijbe-35	106	4	regression	regression	NOUN
aijbe-35	106	5	model	model	NOUN
aijbe-35	106	6	was	be	AUX
aijbe-35	106	7	then	then	ADV
aijbe-35	106	8	employed	employ	VERB
aijbe-35	106	9	to	to	PART
aijbe-35	106	10	estimate	estimate	VERB
aijbe-35	106	11	the	the	DET
aijbe-35	106	12	relationships	relationship	NOUN
aijbe-35	106	13	between	between	ADP
aijbe-35	106	14	the	the	DET
aijbe-35	106	15	variables	variable	NOUN
aijbe-35	106	16	.	.	PUNCT
aijbe-35	107	1	3.4	3.4	NUM
aijbe-35	107	2	model	model	NOUN
aijbe-35	107	3	specification	specification	NOUN
aijbe-35	107	4	the	the	DET
aijbe-35	107	5	regression	regression	NOUN
aijbe-35	107	6	model	model	NOUN
aijbe-35	107	7	was	be	AUX
aijbe-35	107	8	as	as	SCONJ
aijbe-35	107	9	follows	follow	VERB
aijbe-35	107	10	:	:	PUNCT
aijbe-35	107	11	ybt	ybt	X
aijbe-35	107	12	=	=	PUNCT
aijbe-35	107	13	αo	αo	PROPN
aijbe-35	107	14	+	+	CCONJ
aijbe-35	107	15	β1atmit	β1atmit	VERB
aijbe-35	107	16	+	+	CCONJ
aijbe-35	107	17	β2mit	β2mit	NUM
aijbe-35	107	18	+	+	NUM
aijbe-35	107	19	β3iit	β3iit	NUM
aijbe-35	107	20	+	+	CCONJ
aijbe-35	107	21	ε	ε	PROPN
aijbe-35	107	22	where	where	SCONJ
aijbe-35	107	23	;	;	PUNCT
aijbe-35	107	24	ybt	ybt	NOUN
aijbe-35	107	25	=	=	SYM
aijbe-35	107	26	financial	financial	ADJ
aijbe-35	107	27	performance	performance	NOUN
aijbe-35	107	28	represented	represent	VERB
aijbe-35	107	29	by	by	ADP
aijbe-35	107	30	roa	roa	PROPN
aijbe-35	107	31	of	of	ADP
aijbe-35	107	32	bank	bank	PROPN
aijbe-35	107	33	b	b	PROPN
aijbe-35	107	34	in	in	ADP
aijbe-35	107	35	year	year	NOUN
aijbe-35	107	36	.	.	PUNCT
aijbe-35	108	1	bt=	bt=	NOUN
aijbe-35	108	2	estimate	estimate	VERB
aijbe-35	108	3	value	value	NOUN
aijbe-35	108	4	of	of	ADP
aijbe-35	108	5	the	the	DET
aijbe-35	108	6	year	year	NOUN
aijbe-35	108	7	.	.	PUNCT
aijbe-35	109	1	atm	atm	NOUN
aijbe-35	109	2	=	=	NOUN
aijbe-35	109	3	value	value	NOUN
aijbe-35	109	4	of	of	ADP
aijbe-35	109	5	transaction	transaction	NOUN
aijbe-35	109	6	through	through	ADP
aijbe-35	109	7	atm	atm	PROPN
aijbe-35	109	8	.	.	PUNCT
aijbe-35	110	1	m=	m=	X
aijbe-35	110	2	value	value	NOUN
aijbe-35	110	3	of	of	ADP
aijbe-35	110	4	transaction	transaction	NOUN
aijbe-35	110	5	through	through	ADP
aijbe-35	110	6	mobile	mobile	ADJ
aijbe-35	110	7	banking	banking	NOUN
aijbe-35	110	8	.	.	PUNCT
aijbe-35	111	1	i=	i=	PROPN
aijbe-35	111	2	value	value	NOUN
aijbe-35	111	3	of	of	ADP
aijbe-35	111	4	transaction	transaction	NOUN
aijbe-35	111	5	through	through	ADP
aijbe-35	111	6	internet	internet	NOUN
aijbe-35	111	7	banking	banking	NOUN
aijbe-35	111	8	.	.	PUNCT
aijbe-35	112	1	t=	t=	ADJ
aijbe-35	112	2	year	year	NOUN
aijbe-35	112	3	.	.	PUNCT
aijbe-35	113	1	ε=	ε=	ADJ
aijbe-35	113	2	error	error	NOUN
aijbe-35	113	3	term	term	NOUN
aijbe-35	113	4	.	.	PUNCT
aijbe-35	114	1	to	to	PART
aijbe-35	114	2	find	find	VERB
aijbe-35	114	3	the	the	DET
aijbe-35	114	4	value	value	NOUN
aijbe-35	114	5	of	of	ADP
aijbe-35	114	6	and	and	CCONJ
aijbe-35	114	7	β	β	X
aijbe-35	114	8	,	,	PUNCT
aijbe-35	114	9	the	the	DET
aijbe-35	114	10	multivariate	multivariate	NOUN
aijbe-35	114	11	regression	regression	NOUN
aijbe-35	114	12	model	model	NOUN
aijbe-35	114	13	was	be	AUX
aijbe-35	114	14	employed	employ	VERB
aijbe-35	114	15	.	.	PUNCT
aijbe-35	115	1	the	the	DET
aijbe-35	115	2	individual	individual	ADJ
aijbe-35	115	3	beta	beta	NOUN
aijbe-35	115	4	estimate	estimate	NOUN
aijbe-35	115	5	reliability	reliability	NOUN
aijbe-35	115	6	was	be	AUX
aijbe-35	115	7	then	then	ADV
aijbe-35	115	8	tested	test	VERB
aijbe-35	115	9	by	by	ADP
aijbe-35	115	10	the	the	DET
aijbe-35	115	11	p	p	NOUN
aijbe-35	115	12	-	-	PUNCT
aijbe-35	115	13	value	value	NOUN
aijbe-35	115	14	in	in	ADP
aijbe-35	115	15	the	the	DET
aijbe-35	115	16	anova	anova	PROPN
aijbe-35	115	17	table	table	NOUN
aijbe-35	115	18	.	.	PUNCT
aijbe-35	116	1	the	the	DET
aijbe-35	116	2	regression	regression	NOUN
aijbe-35	116	3	model	model	NOUN
aijbe-35	116	4	’s	’s	PART
aijbe-35	116	5	significance	significance	NOUN
aijbe-35	116	6	was	be	AUX
aijbe-35	116	7	tested	test	VERB
aijbe-35	116	8	at	at	ADP
aijbe-35	116	9	95	95	NUM
aijbe-35	116	10	%	%	NOUN
aijbe-35	116	11	confidence	confidence	NOUN
aijbe-35	116	12	interval	interval	NOUN
aijbe-35	116	13	and	and	CCONJ
aijbe-35	116	14	5	5	NUM
aijbe-35	116	15	%	%	NOUN
aijbe-35	116	16	level	level	NOUN
aijbe-35	116	17	of	of	ADP
aijbe-35	116	18	significance	significance	NOUN
aijbe-35	116	19	.	.	PUNCT
aijbe-35	117	1	4	4	X
aijbe-35	117	2	.	.	NOUN
aijbe-35	117	3	results	result	NOUN
aijbe-35	117	4	and	and	CCONJ
aijbe-35	117	5	discussions	discussion	NOUN
aijbe-35	117	6	4.1	4.1	NUM
aijbe-35	117	7	descriptive	descriptive	ADJ
aijbe-35	117	8	analysis	analysis	NOUN
aijbe-35	117	9	the	the	DET
aijbe-35	117	10	descriptive	descriptive	ADJ
aijbe-35	117	11	statistics	statistic	NOUN
aijbe-35	117	12	results	result	NOUN
aijbe-35	117	13	are	be	AUX
aijbe-35	117	14	tabulated	tabulate	VERB
aijbe-35	117	15	below	below	ADP
aijbe-35	117	16	:	:	PUNCT
aijbe-35	117	17	table	table	NOUN
aijbe-35	117	18	1	1	NUM
aijbe-35	117	19	:	:	PUNCT
aijbe-35	117	20	descriptive	descriptive	ADJ
aijbe-35	117	21	statistics	statistic	NOUN
aijbe-35	117	22	description	description	PROPN
aijbe-35	117	23	roa	roa	PROPN
aijbe-35	117	24	banking	banking	PROPN
aijbe-35	117	25	atm	atm	PROPN
aijbe-35	117	26	cards	cards	PROPN
aijbe-35	117	27	mobile	mobile	NOUN
aijbe-35	117	28	(	(	PUNCT
aijbe-35	117	29	nm	nm	NOUN
aijbe-35	117	30	)	)	PUNCT
aijbe-35	117	31	paymentts	paymentt	NOUN
aijbe-35	117	32	internet	internet	NOUN
aijbe-35	117	33	(	(	PUNCT
aijbe-35	117	34	nm	nm	NOUN
aijbe-35	117	35	)	)	PUNCT
aijbe-35	117	36	(	(	PUNCT
aijbe-35	117	37	nm	nm	NOUN
aijbe-35	117	38	)	)	PUNCT
aijbe-35	117	39	n	n	DET
aijbe-35	117	40	42	42	NUM
aijbe-35	117	41	42	42	NUM
aijbe-35	117	42	42	42	NUM
aijbe-35	117	43	42	42	NUM
aijbe-35	117	44	minimum	minimum	NOUN
aijbe-35	117	45	-7.54	-7.54	NUM
aijbe-35	117	46	0	0	NUM
aijbe-35	117	47	0	0	NUM
aijbe-35	117	48	0	0	NUM
aijbe-35	118	1	maximum	maximum	NOUN
aijbe-35	118	2	7.152	7.152	NUM
aijbe-35	118	3	14773.21	14773.21	NUM
aijbe-35	118	4	10124.981	10124.981	NUM
aijbe-35	118	5	125109.6	125109.6	NUM
aijbe-35	118	6	mean	mean	NOUN
aijbe-35	118	7	2.667	2.667	NUM
aijbe-35	118	8	8568.242	8568.242	NUM
aijbe-35	118	9	5872.34	5872.34	NUM
aijbe-35	118	10	72753.014	72753.014	PROPN
aijbe-35	118	11	muhammad	muhammad	PROPN
aijbe-35	118	12	aminu	aminu	PROPN
aijbe-35	118	13	isa	isa	PROPN
aijbe-35	118	14	(	(	PUNCT
aijbe-35	118	15	2023	2023	NUM
aijbe-35	118	16	)	)	PUNCT
aijbe-35	118	17	american	american	ADJ
aijbe-35	118	18	interdisciplinary	interdisciplinary	ADJ
aijbe-35	118	19	journal	journal	NOUN
aijbe-35	118	20	of	of	ADP
aijbe-35	118	21	business	business	NOUN
aijbe-35	118	22	and	and	CCONJ
aijbe-35	118	23	economics	economic	NOUN
aijbe-35	118	24	|	|	ADV
aijbe-35	118	25	58	58	NUM
aijbe-35	118	26	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADV
aijbe-35	118	27	stnd	stnd	ADJ
aijbe-35	118	28	.	.	PUNCT
aijbe-35	119	1	dev	dev	PROPN
aijbe-35	119	2	.	.	PUNCT
aijbe-35	120	1	2.679	2.679	NUM
aijbe-35	120	2	4236.359	4236.359	NUM
aijbe-35	120	3	2903.436	2903.436	NUM
aijbe-35	120	4	37412.21	37412.21	NUM
aijbe-35	120	5	skewness	skewness	NOUN
aijbe-35	120	6	-1.285	-1.285	PUNCT
aijbe-35	120	7	-0.359	-0.359	PUNCT
aijbe-35	120	8	-0.359	-0.359	PUNCT
aijbe-35	120	9	-0.243	-0.243	VERB
aijbe-35	120	10	std	std	NOUN
aijbe-35	120	11	.	.	NOUN
aijbe-35	120	12	error	error	NOUN
aijbe-35	120	13	0.365	0.365	NUM
aijbe-35	120	14	0.365	0.365	NUM
aijbe-35	120	15	0.365	0.365	NUM
aijbe-35	120	16	0.365	0.365	NUM
aijbe-35	120	17	kurtosis	kurtosis	VERB
aijbe-35	120	18	3.949	3.949	NUM
aijbe-35	120	19	-1.285	-1.285	PUNCT
aijbe-35	120	20	-1.285	-1.285	PUNCT
aijbe-35	120	21	-1.325	-1.325	PROPN
aijbe-35	120	22	std	std	NOUN
aijbe-35	120	23	.	.	PUNCT
aijbe-35	120	24	error	error	NOUN
aijbe-35	120	25	0.717	0.717	NUM
aijbe-35	120	26	0.717	0.717	NUM
aijbe-35	120	27	0.717	0.717	NUM
aijbe-35	120	28	0.717	0.717	NUM
aijbe-35	120	29	source	source	NOUN
aijbe-35	120	30	:	:	PUNCT
aijbe-35	120	31	generated	generate	VERB
aijbe-35	120	32	from	from	ADP
aijbe-35	120	33	spss	spss	PROPN
aijbe-35	120	34	statistical	statistical	ADJ
aijbe-35	120	35	output	output	NOUN
aijbe-35	120	36	table	table	NOUN
aijbe-35	120	37	4.1	4.1	NUM
aijbe-35	120	38	above	above	ADV
aijbe-35	120	39	illustrates	illustrate	VERB
aijbe-35	120	40	the	the	DET
aijbe-35	120	41	average	average	ADJ
aijbe-35	120	42	roa	roa	NOUN
aijbe-35	120	43	of	of	ADP
aijbe-35	120	44	all	all	DET
aijbe-35	120	45	the	the	DET
aijbe-35	120	46	commercial	commercial	ADJ
aijbe-35	120	47	banks	bank	NOUN
aijbe-35	120	48	in	in	ADP
aijbe-35	120	49	nigeria	nigeria	PROPN
aijbe-35	120	50	over	over	ADP
aijbe-35	120	51	the	the	DET
aijbe-35	120	52	study	study	NOUN
aijbe-35	120	53	period	period	NOUN
aijbe-35	120	54	to	to	PART
aijbe-35	120	55	be	be	AUX
aijbe-35	120	56	2.667	2.667	NUM
aijbe-35	120	57	with	with	ADP
aijbe-35	120	58	a	a	DET
aijbe-35	120	59	maximum	maximum	NOUN
aijbe-35	120	60	of	of	ADP
aijbe-35	120	61	7.152	7.152	NUM
aijbe-35	120	62	and	and	CCONJ
aijbe-35	120	63	the	the	DET
aijbe-35	120	64	minimum	minimum	NOUN
aijbe-35	120	65	of	of	ADP
aijbe-35	120	66	7.54	7.54	NUM
aijbe-35	120	67	.	.	PUNCT
aijbe-35	121	1	a	a	DET
aijbe-35	121	2	small	small	ADJ
aijbe-35	121	3	standard	standard	ADJ
aijbe-35	121	4	deviation	deviation	NOUN
aijbe-35	121	5	of	of	ADP
aijbe-35	121	6	2.679	2.679	NUM
aijbe-35	121	7	was	be	AUX
aijbe-35	121	8	noted	note	VERB
aijbe-35	121	9	implying	imply	VERB
aijbe-35	121	10	that	that	SCONJ
aijbe-35	121	11	there	there	PRON
aijbe-35	121	12	was	be	VERB
aijbe-35	121	13	low	low	ADJ
aijbe-35	121	14	variation	variation	NOUN
aijbe-35	121	15	of	of	ADP
aijbe-35	121	16	roa	roa	PROPN
aijbe-35	121	17	across	across	ADP
aijbe-35	121	18	the	the	DET
aijbe-35	121	19	commercial	commercial	ADJ
aijbe-35	121	20	banks	bank	NOUN
aijbe-35	121	21	.	.	PUNCT
aijbe-35	122	1	in	in	ADP
aijbe-35	122	2	addition	addition	NOUN
aijbe-35	122	3	,	,	PUNCT
aijbe-35	122	4	the	the	DET
aijbe-35	122	5	mean	mean	NOUN
aijbe-35	122	6	of	of	ADP
aijbe-35	122	7	the	the	DET
aijbe-35	122	8	total	total	ADJ
aijbe-35	122	9	value	value	NOUN
aijbe-35	122	10	of	of	ADP
aijbe-35	122	11	atm	atm	PROPN
aijbe-35	122	12	cards	card	NOUN
aijbe-35	122	13	was	be	AUX
aijbe-35	122	14	8568.242	8568.242	NUM
aijbe-35	122	15	million	million	NUM
aijbe-35	122	16	recording	record	VERB
aijbe-35	122	17	the	the	DET
aijbe-35	122	18	highest	high	ADJ
aijbe-35	122	19	value	value	NOUN
aijbe-35	122	20	of	of	ADP
aijbe-35	122	21	14773.21	14773.21	NUM
aijbe-35	122	22	million	million	NUM
aijbe-35	122	23	.	.	PUNCT
aijbe-35	123	1	the	the	DET
aijbe-35	123	2	mean	mean	ADJ
aijbe-35	123	3	total	total	ADJ
aijbe-35	123	4	value	value	NOUN
aijbe-35	123	5	of	of	ADP
aijbe-35	123	6	the	the	DET
aijbe-35	123	7	mobile	mobile	ADJ
aijbe-35	123	8	payments	payment	NOUN
aijbe-35	123	9	was	be	AUX
aijbe-35	123	10	5872.34	5872.34	NUM
aijbe-35	123	11	million	million	NUM
aijbe-35	123	12	with	with	ADP
aijbe-35	123	13	a	a	DET
aijbe-35	123	14	maximum	maximum	NOUN
aijbe-35	123	15	of	of	ADP
aijbe-35	123	16	10124.981	10124.981	NUM
aijbe-35	123	17	million	million	NUM
aijbe-35	123	18	.	.	PUNCT
aijbe-35	124	1	the	the	DET
aijbe-35	124	2	internet	internet	NOUN
aijbe-35	124	3	banking	banking	NOUN
aijbe-35	124	4	mean	mean	NOUN
aijbe-35	124	5	was	be	AUX
aijbe-35	124	6	noted	note	VERB
aijbe-35	124	7	to	to	PART
aijbe-35	124	8	be	be	AUX
aijbe-35	124	9	72753.014	72753.014	NUM
aijbe-35	124	10	million	million	NUM
aijbe-35	124	11	across	across	ADP
aijbe-35	124	12	the	the	DET
aijbe-35	124	13	commercial	commercial	ADJ
aijbe-35	124	14	banks	bank	NOUN
aijbe-35	124	15	.	.	PUNCT
aijbe-35	125	1	high	high	ADJ
aijbe-35	125	2	standard	standard	ADJ
aijbe-35	125	3	deviations	deviation	NOUN
aijbe-35	125	4	were	be	AUX
aijbe-35	125	5	noted	note	VERB
aijbe-35	125	6	on	on	ADP
aijbe-35	125	7	total	total	ADJ
aijbe-35	125	8	value	value	NOUN
aijbe-35	125	9	of	of	ADP
aijbe-35	125	10	atm	atm	NOUN
aijbe-35	125	11	card	card	NOUN
aijbe-35	125	12	transactions	transaction	NOUN
aijbe-35	125	13	,	,	PUNCT
aijbe-35	125	14	mobile	mobile	ADJ
aijbe-35	125	15	payments	payment	NOUN
aijbe-35	125	16	as	as	ADV
aijbe-35	125	17	well	well	ADV
aijbe-35	125	18	as	as	ADP
aijbe-35	125	19	internet	internet	NOUN
aijbe-35	125	20	banking	banking	NOUN
aijbe-35	125	21	meaning	mean	VERB
aijbe-35	125	22	there	there	PRON
aijbe-35	125	23	was	be	VERB
aijbe-35	125	24	a	a	DET
aijbe-35	125	25	high	high	ADJ
aijbe-35	125	26	variation	variation	NOUN
aijbe-35	125	27	across	across	ADP
aijbe-35	125	28	all	all	DET
aijbe-35	125	29	the	the	DET
aijbe-35	125	30	commercial	commercial	ADJ
aijbe-35	125	31	banks	bank	NOUN
aijbe-35	125	32	with	with	ADP
aijbe-35	125	33	regards	regard	NOUN
aijbe-35	125	34	to	to	ADP
aijbe-35	125	35	total	total	ADJ
aijbe-35	125	36	transaction	transaction	NOUN
aijbe-35	125	37	value	value	NOUN
aijbe-35	125	38	of	of	ADP
aijbe-35	125	39	atm	atm	ADJ
aijbe-35	125	40	cards	card	NOUN
aijbe-35	125	41	,	,	PUNCT
aijbe-35	125	42	mobile	mobile	ADJ
aijbe-35	125	43	payments	payment	NOUN
aijbe-35	125	44	and	and	CCONJ
aijbe-35	125	45	internet	internet	NOUN
aijbe-35	125	46	banking	banking	NOUN
aijbe-35	125	47	.	.	PUNCT
aijbe-35	126	1	4.2	4.2	NUM
aijbe-35	126	2	correlation	correlation	NOUN
aijbe-35	126	3	analysis	analysis	NOUN
aijbe-35	126	4	to	to	PART
aijbe-35	126	5	measure	measure	VERB
aijbe-35	126	6	the	the	DET
aijbe-35	126	7	strength	strength	NOUN
aijbe-35	126	8	of	of	ADP
aijbe-35	126	9	the	the	DET
aijbe-35	126	10	association	association	NOUN
aijbe-35	126	11	between	between	ADP
aijbe-35	126	12	the	the	DET
aijbe-35	126	13	variables	variable	NOUN
aijbe-35	126	14	,	,	PUNCT
aijbe-35	126	15	the	the	DET
aijbe-35	126	16	study	study	NOUN
aijbe-35	126	17	put	put	VERB
aijbe-35	126	18	to	to	PART
aijbe-35	126	19	use	use	VERB
aijbe-35	126	20	the	the	DET
aijbe-35	126	21	karl	karl	PROPN
aijbe-35	126	22	pearson	pearson	PROPN
aijbe-35	126	23	’s	’s	PART
aijbe-35	126	24	coefficient	coefficient	NOUN
aijbe-35	126	25	of	of	ADP
aijbe-35	126	26	correlation	correlation	NOUN
aijbe-35	126	27	.	.	PUNCT
aijbe-35	127	1	the	the	DET
aijbe-35	127	2	pearson	pearson	PROPN
aijbe-35	127	3	product	product	NOUN
aijbe-35	127	4	-	-	PUNCT
aijbe-35	127	5	moment	moment	NOUN
aijbe-35	127	6	correlation	correlation	NOUN
aijbe-35	127	7	coefficient	coefficient	NOUN
aijbe-35	127	8	determines	determine	VERB
aijbe-35	127	9	the	the	DET
aijbe-35	127	10	strength	strength	NOUN
aijbe-35	127	11	of	of	ADP
aijbe-35	127	12	a	a	DET
aijbe-35	127	13	linear	linear	PROPN
aijbe-35	127	14	association	association	NOUN
aijbe-35	127	15	between	between	ADP
aijbe-35	127	16	two	two	NUM
aijbe-35	127	17	variables	variable	NOUN
aijbe-35	127	18	and	and	CCONJ
aijbe-35	127	19	is	be	AUX
aijbe-35	127	20	denoted	denote	VERB
aijbe-35	127	21	by	by	ADP
aijbe-35	127	22	r	r	NOUN
aijbe-35	127	23	which	which	PRON
aijbe-35	127	24	can	can	AUX
aijbe-35	127	25	take	take	VERB
aijbe-35	127	26	a	a	DET
aijbe-35	127	27	range	range	NOUN
aijbe-35	127	28	of	of	ADP
aijbe-35	127	29	values	value	NOUN
aijbe-35	127	30	from	from	ADP
aijbe-35	127	31	+1	+1	PROPN
aijbe-35	127	32	to	to	ADP
aijbe-35	127	33	-1	-1	PUNCT
aijbe-35	127	34	.	.	PUNCT
aijbe-35	128	1	a	a	DET
aijbe-35	128	2	value	value	NOUN
aijbe-35	128	3	of	of	ADP
aijbe-35	128	4	0	0	NUM
aijbe-35	128	5	designates	designate	NOUN
aijbe-35	128	6	that	that	SCONJ
aijbe-35	128	7	there	there	PRON
aijbe-35	128	8	is	be	VERB
aijbe-35	128	9	no	no	DET
aijbe-35	128	10	association	association	NOUN
aijbe-35	128	11	between	between	ADP
aijbe-35	128	12	the	the	DET
aijbe-35	128	13	two	two	NUM
aijbe-35	128	14	variables	variable	NOUN
aijbe-35	128	15	.	.	PUNCT
aijbe-35	129	1	a	a	DET
aijbe-35	129	2	value	value	NOUN
aijbe-35	129	3	greater	great	ADJ
aijbe-35	129	4	than	than	ADP
aijbe-35	129	5	0	0	NUM
aijbe-35	129	6	designates	designate	VERB
aijbe-35	129	7	a	a	DET
aijbe-35	129	8	positive	positive	ADJ
aijbe-35	129	9	association	association	NOUN
aijbe-35	129	10	while	while	SCONJ
aijbe-35	129	11	a	a	DET
aijbe-35	129	12	value	value	NOUN
aijbe-35	129	13	less	less	ADJ
aijbe-35	129	14	than	than	ADP
aijbe-35	129	15	0	0	NUM
aijbe-35	129	16	designates	designate	VERB
aijbe-35	129	17	a	a	DET
aijbe-35	129	18	negative	negative	ADJ
aijbe-35	129	19	association	association	NOUN
aijbe-35	129	20	.	.	PUNCT
aijbe-35	130	1	the	the	DET
aijbe-35	130	2	pearson	pearson	PROPN
aijbe-35	130	3	’s	’s	PART
aijbe-35	130	4	coefficient	coefficient	NOUN
aijbe-35	130	5	was	be	AUX
aijbe-35	130	6	employed	employ	VERB
aijbe-35	130	7	to	to	PART
aijbe-35	130	8	ascertain	ascertain	VERB
aijbe-35	130	9	the	the	DET
aijbe-35	130	10	presence	presence	NOUN
aijbe-35	130	11	or	or	CCONJ
aijbe-35	130	12	absence	absence	NOUN
aijbe-35	130	13	of	of	ADP
aijbe-35	130	14	linear	linear	ADJ
aijbe-35	130	15	correlation	correlation	NOUN
aijbe-35	130	16	between	between	ADP
aijbe-35	130	17	the	the	DET
aijbe-35	130	18	variables	variable	NOUN
aijbe-35	130	19	of	of	ADP
aijbe-35	130	20	e	e	NOUN
aijbe-35	130	21	-	-	NOUN
aijbe-35	130	22	banking	banking	ADJ
aijbe-35	130	23	and	and	CCONJ
aijbe-35	130	24	financial	financial	ADJ
aijbe-35	130	25	performance	performance	NOUN
aijbe-35	130	26	.	.	PUNCT
aijbe-35	131	1	the	the	DET
aijbe-35	131	2	outcomes	outcome	NOUN
aijbe-35	131	3	are	be	AUX
aijbe-35	131	4	as	as	SCONJ
aijbe-35	131	5	follows	follow	VERB
aijbe-35	131	6	:	:	PUNCT
aijbe-35	131	7	table	table	NOUN
aijbe-35	131	8	2	2	NUM
aijbe-35	131	9	:	:	PUNCT
aijbe-35	132	1	correlation	correlation	NOUN
aijbe-35	132	2	analysis	analysis	NOUN
aijbe-35	132	3	variable	variable	ADJ
aijbe-35	132	4	roa	roa	PROPN
aijbe-35	132	5	atm	atm	PROPN
aijbe-35	132	6	cards	cards	PROPN
aijbe-35	132	7	mobile	mobile	ADJ
aijbe-35	132	8	payments	payment	NOUN
aijbe-35	132	9	internet	internet	NOUN
aijbe-35	132	10	banking	banking	NOUN
aijbe-35	132	11	roa	roa	NOUN
aijbe-35	132	12	1.000	1.000	NUM
aijbe-35	132	13	atm	atm	NOUN
aijbe-35	132	14	cards	card	NOUN
aijbe-35	132	15	0.679	0.679	NUM
aijbe-35	132	16	1.000	1.000	NUM
aijbe-35	132	17	mobile	mobile	ADJ
aijbe-35	132	18	payments	payment	NOUN
aijbe-35	132	19	0.612	0.612	NUM
aijbe-35	132	20	0.326	0.326	NUM
aijbe-35	132	21	1.000	1.000	NUM
aijbe-35	132	22	internet	internet	NOUN
aijbe-35	132	23	banking	banking	NOUN
aijbe-35	132	24	0.574	0.574	NUM
aijbe-35	132	25	0.254	0.254	NUM
aijbe-35	132	26	0.076	0.076	NUM
aijbe-35	132	27	1.000	1.000	NUM
aijbe-35	132	28	source	source	NOUN
aijbe-35	132	29	:	:	PUNCT
aijbe-35	132	30	generated	generate	VERB
aijbe-35	132	31	from	from	ADP
aijbe-35	132	32	spss	spss	PROPN
aijbe-35	132	33	statistical	statistical	ADJ
aijbe-35	132	34	output	output	NOUN
aijbe-35	132	35	results	result	NOUN
aijbe-35	132	36	from	from	ADP
aijbe-35	132	37	table	table	NOUN
aijbe-35	132	38	4.2	4.2	NUM
aijbe-35	132	39	above	above	ADV
aijbe-35	132	40	reveal	reveal	VERB
aijbe-35	132	41	that	that	SCONJ
aijbe-35	132	42	there	there	PRON
aijbe-35	132	43	is	be	VERB
aijbe-35	132	44	a	a	DET
aijbe-35	132	45	significant	significant	ADJ
aijbe-35	132	46	positive	positive	ADJ
aijbe-35	132	47	association	association	NOUN
aijbe-35	132	48	between	between	ADP
aijbe-35	132	49	use	use	NOUN
aijbe-35	132	50	of	of	ADP
aijbe-35	132	51	atm	atm	ADJ
aijbe-35	132	52	cards	card	NOUN
aijbe-35	132	53	and	and	CCONJ
aijbe-35	132	54	financial	financial	ADJ
aijbe-35	132	55	performance	performance	NOUN
aijbe-35	132	56	(	(	PUNCT
aijbe-35	132	57	r	r	NOUN
aijbe-35	132	58	=	=	SYM
aijbe-35	132	59	.679	.679	NUM
aijbe-35	132	60	,	,	PUNCT
aijbe-35	133	1	p	p	NOUN
aijbe-35	133	2	-	-	PUNCT
aijbe-35	133	3	value	value	NOUN
aijbe-35	133	4	<	<	X
aijbe-35	133	5	0.009	0.009	NUM
aijbe-35	133	6	)	)	PUNCT
aijbe-35	133	7	.	.	PUNCT
aijbe-35	134	1	this	this	PRON
aijbe-35	134	2	implies	imply	VERB
aijbe-35	134	3	that	that	SCONJ
aijbe-35	134	4	atm	atm	PROPN
aijbe-35	134	5	cards	card	NOUN
aijbe-35	134	6	influences	influence	VERB
aijbe-35	134	7	financial	financial	ADJ
aijbe-35	134	8	performance	performance	NOUN
aijbe-35	134	9	in	in	ADP
aijbe-35	134	10	commercial	commercial	ADJ
aijbe-35	134	11	banks	bank	NOUN
aijbe-35	134	12	in	in	ADP
aijbe-35	134	13	nigeria	nigeria	PROPN
aijbe-35	134	14	.	.	PUNCT
aijbe-35	135	1	the	the	DET
aijbe-35	135	2	findings	finding	NOUN
aijbe-35	135	3	also	also	ADV
aijbe-35	135	4	disclosed	disclose	VERB
aijbe-35	135	5	a	a	DET
aijbe-35	135	6	substantial	substantial	ADJ
aijbe-35	135	7	positive	positive	ADJ
aijbe-35	135	8	association	association	NOUN
aijbe-35	135	9	muhammad	muhammad	PROPN
aijbe-35	135	10	aminu	aminu	PROPN
aijbe-35	135	11	isa	isa	PROPN
aijbe-35	135	12	(	(	PUNCT
aijbe-35	135	13	2023	2023	NUM
aijbe-35	135	14	)	)	PUNCT
aijbe-35	135	15	american	american	ADJ
aijbe-35	135	16	interdisciplinary	interdisciplinary	ADJ
aijbe-35	135	17	journal	journal	NOUN
aijbe-35	135	18	of	of	ADP
aijbe-35	135	19	business	business	NOUN
aijbe-35	135	20	and	and	CCONJ
aijbe-35	135	21	economics	economic	NOUN
aijbe-35	135	22	|	|	ADV
aijbe-35	135	23	59	59	NUM
aijbe-35	135	24	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADJ
aijbe-35	135	25	between	between	ADP
aijbe-35	135	26	mobile	mobile	ADJ
aijbe-35	135	27	payments	payment	NOUN
aijbe-35	135	28	and	and	CCONJ
aijbe-35	135	29	financial	financial	ADJ
aijbe-35	135	30	performance	performance	NOUN
aijbe-35	135	31	(	(	PUNCT
aijbe-35	135	32	r	r	NOUN
aijbe-35	135	33	=	=	SYM
aijbe-35	135	34	.612	.612	NUM
aijbe-35	135	35	,	,	PUNCT
aijbe-35	135	36	p	p	NOUN
aijbe-35	135	37	-	-	PUNCT
aijbe-35	135	38	value	value	NOUN
aijbe-35	135	39	<	<	X
aijbe-35	135	40	0.013	0.013	NUM
aijbe-35	135	41	)	)	PUNCT
aijbe-35	135	42	.	.	PUNCT
aijbe-35	136	1	thus	thus	ADV
aijbe-35	136	2	,	,	PUNCT
aijbe-35	136	3	implying	imply	VERB
aijbe-35	136	4	that	that	SCONJ
aijbe-35	136	5	mobile	mobile	ADJ
aijbe-35	136	6	payments	payment	NOUN
aijbe-35	136	7	influences	influence	VERB
aijbe-35	136	8	financial	financial	ADJ
aijbe-35	136	9	performance	performance	NOUN
aijbe-35	136	10	in	in	ADP
aijbe-35	136	11	commercial	commercial	ADJ
aijbe-35	136	12	banks	bank	NOUN
aijbe-35	136	13	in	in	ADP
aijbe-35	136	14	nigeria	nigeria	PROPN
aijbe-35	136	15	.	.	PUNCT
aijbe-35	137	1	the	the	DET
aijbe-35	137	2	findings	finding	NOUN
aijbe-35	137	3	indicated	indicate	VERB
aijbe-35	137	4	a	a	DET
aijbe-35	137	5	noteworthy	noteworthy	ADJ
aijbe-35	137	6	positive	positive	ADJ
aijbe-35	137	7	association	association	NOUN
aijbe-35	137	8	between	between	ADP
aijbe-35	137	9	internet	internet	NOUN
aijbe-35	137	10	banking	banking	NOUN
aijbe-35	137	11	and	and	CCONJ
aijbe-35	137	12	financial	financial	ADJ
aijbe-35	137	13	performance	performance	NOUN
aijbe-35	137	14	(	(	PUNCT
aijbe-35	137	15	r	r	NOUN
aijbe-35	137	16	=	=	PUNCT
aijbe-35	137	17	.574	.574	NUM
aijbe-35	137	18	,	,	PUNCT
aijbe-35	137	19	p	p	NOUN
aijbe-35	137	20	-	-	PUNCT
aijbe-35	137	21	value	value	NOUN
aijbe-35	137	22	<	<	X
aijbe-35	137	23	0.026	0.026	NUM
aijbe-35	137	24	)	)	PUNCT
aijbe-35	137	25	thus	thus	ADV
aijbe-35	137	26	,	,	PUNCT
aijbe-35	137	27	depicting	depict	VERB
aijbe-35	137	28	that	that	DET
aijbe-35	137	29	internet	internet	NOUN
aijbe-35	137	30	banking	banking	NOUN
aijbe-35	137	31	influences	influence	VERB
aijbe-35	137	32	financial	financial	ADJ
aijbe-35	137	33	performance	performance	NOUN
aijbe-35	137	34	in	in	ADP
aijbe-35	137	35	nigeria	nigeria	PROPN
aijbe-35	137	36	’s	’s	PART
aijbe-35	137	37	commercial	commercial	ADJ
aijbe-35	137	38	banks	bank	NOUN
aijbe-35	137	39	.	.	PUNCT
aijbe-35	138	1	4.4	4.4	NUM
aijbe-35	138	2	regression	regression	NOUN
aijbe-35	138	3	analysis	analysis	NOUN
aijbe-35	138	4	the	the	DET
aijbe-35	138	5	correlation	correlation	NOUN
aijbe-35	138	6	coefficient	coefficient	NOUN
aijbe-35	138	7	(	(	PUNCT
aijbe-35	138	8	r	r	NOUN
aijbe-35	138	9	)	)	PUNCT
aijbe-35	138	10	value	value	NOUN
aijbe-35	138	11	represents	represent	VERB
aijbe-35	138	12	the	the	DET
aijbe-35	138	13	degree	degree	NOUN
aijbe-35	138	14	and	and	CCONJ
aijbe-35	138	15	strength	strength	NOUN
aijbe-35	138	16	of	of	ADP
aijbe-35	138	17	relationship	relationship	NOUN
aijbe-35	138	18	between	between	ADP
aijbe-35	138	19	dependent	dependent	ADJ
aijbe-35	138	20	variable	variable	NOUN
aijbe-35	138	21	and	and	CCONJ
aijbe-35	138	22	the	the	DET
aijbe-35	138	23	independent	independent	ADJ
aijbe-35	138	24	variables	variable	NOUN
aijbe-35	138	25	(	(	PUNCT
aijbe-35	138	26	sekaran	sekaran	NOUN
aijbe-35	138	27	,	,	PUNCT
aijbe-35	138	28	2003	2003	NUM
aijbe-35	138	29	)	)	PUNCT
aijbe-35	138	30	.	.	PUNCT
aijbe-35	139	1	coefficient	coefficient	NOUN
aijbe-35	139	2	of	of	ADP
aijbe-35	139	3	correlation	correlation	NOUN
aijbe-35	139	4	ranges	range	VERB
aijbe-35	139	5	between	between	ADP
aijbe-35	139	6	-1	-1	PUNCT
aijbe-35	139	7	and	and	CCONJ
aijbe-35	139	8	1	1	NUM
aijbe-35	139	9	and	and	CCONJ
aijbe-35	139	10	in	in	ADP
aijbe-35	139	11	this	this	DET
aijbe-35	139	12	model	model	NOUN
aijbe-35	139	13	the	the	DET
aijbe-35	139	14	coefficient	coefficient	NOUN
aijbe-35	139	15	of	of	ADP
aijbe-35	139	16	correlation	correlation	NOUN
aijbe-35	139	17	is	be	AUX
aijbe-35	139	18	0.896	0.896	NUM
aijbe-35	139	19	which	which	PRON
aijbe-35	139	20	indicates	indicate	VERB
aijbe-35	139	21	a	a	DET
aijbe-35	139	22	positive	positive	ADJ
aijbe-35	139	23	correlation	correlation	NOUN
aijbe-35	139	24	between	between	ADP
aijbe-35	139	25	roa	roa	PROPN
aijbe-35	139	26	,	,	PUNCT
aijbe-35	139	27	atm	atm	NOUN
aijbe-35	139	28	cards	card	NOUN
aijbe-35	139	29	,	,	PUNCT
aijbe-35	139	30	mobile	mobile	ADJ
aijbe-35	139	31	payments	payment	NOUN
aijbe-35	139	32	,	,	PUNCT
aijbe-35	139	33	and	and	CCONJ
aijbe-35	139	34	internet	internet	NOUN
aijbe-35	139	35	banking	banking	NOUN
aijbe-35	139	36	.	.	PUNCT
aijbe-35	140	1	the	the	DET
aijbe-35	140	2	r	r	NOUN
aijbe-35	140	3	squared	square	VERB
aijbe-35	140	4	is	be	AUX
aijbe-35	140	5	the	the	DET
aijbe-35	140	6	coefficient	coefficient	NOUN
aijbe-35	140	7	of	of	ADP
aijbe-35	140	8	determination	determination	NOUN
aijbe-35	140	9	which	which	PRON
aijbe-35	140	10	indicates	indicate	VERB
aijbe-35	140	11	how	how	SCONJ
aijbe-35	140	12	much	much	ADJ
aijbe-35	140	13	of	of	ADP
aijbe-35	140	14	the	the	DET
aijbe-35	140	15	total	total	ADJ
aijbe-35	140	16	variation	variation	NOUN
aijbe-35	140	17	in	in	ADP
aijbe-35	140	18	the	the	DET
aijbe-35	140	19	dependent	dependent	ADJ
aijbe-35	140	20	variable	variable	NOUN
aijbe-35	140	21	.	.	PUNCT
aijbe-35	141	1	from	from	ADP
aijbe-35	141	2	the	the	DET
aijbe-35	141	3	above	above	NOUN
aijbe-35	141	4	the	the	DET
aijbe-35	141	5	r	r	NOUN
aijbe-35	141	6	squared	square	VERB
aijbe-35	141	7	statistic	statistic	NOUN
aijbe-35	141	8	gives	give	VERB
aijbe-35	141	9	the	the	DET
aijbe-35	141	10	goodness	goodness	NOUN
aijbe-35	141	11	of	of	ADP
aijbe-35	141	12	fit	fit	NOUN
aijbe-35	141	13	of	of	ADP
aijbe-35	141	14	the	the	DET
aijbe-35	141	15	model	model	NOUN
aijbe-35	141	16	which	which	PRON
aijbe-35	141	17	shows	show	VERB
aijbe-35	141	18	how	how	SCONJ
aijbe-35	141	19	good	good	ADJ
aijbe-35	141	20	the	the	DET
aijbe-35	141	21	regression	regression	NOUN
aijbe-35	141	22	model	model	NOUN
aijbe-35	141	23	approximates	approximate	VERB
aijbe-35	141	24	the	the	DET
aijbe-35	141	25	real	real	ADJ
aijbe-35	141	26	data	data	NOUN
aijbe-35	141	27	points	point	NOUN
aijbe-35	141	28	.	.	PUNCT
aijbe-35	142	1	the	the	DET
aijbe-35	142	2	r	r	NOUN
aijbe-35	142	3	squared	square	VERB
aijbe-35	142	4	of	of	ADP
aijbe-35	142	5	this	this	DET
aijbe-35	142	6	model	model	NOUN
aijbe-35	142	7	is	be	AUX
aijbe-35	142	8	0.802	0.802	NUM
aijbe-35	142	9	which	which	PRON
aijbe-35	142	10	shows	show	VERB
aijbe-35	142	11	that	that	SCONJ
aijbe-35	142	12	the	the	DET
aijbe-35	142	13	model	model	NOUN
aijbe-35	142	14	is	be	AUX
aijbe-35	142	15	a	a	DET
aijbe-35	142	16	good	good	ADJ
aijbe-35	142	17	fit	fit	NOUN
aijbe-35	142	18	of	of	ADP
aijbe-35	142	19	the	the	DET
aijbe-35	142	20	actual	actual	ADJ
aijbe-35	142	21	data	datum	NOUN
aijbe-35	142	22	.	.	PUNCT
aijbe-35	143	1	the	the	DET
aijbe-35	143	2	coefficient	coefficient	NOUN
aijbe-35	143	3	of	of	ADP
aijbe-35	143	4	determination	determination	NOUN
aijbe-35	143	5	of	of	ADP
aijbe-35	143	6	0.802	0.802	NUM
aijbe-35	143	7	implies	imply	VERB
aijbe-35	143	8	that	that	SCONJ
aijbe-35	143	9	80.2	80.2	NUM
aijbe-35	143	10	%	%	NOUN
aijbe-35	143	11	of	of	ADP
aijbe-35	143	12	the	the	DET
aijbe-35	143	13	variance	variance	NOUN
aijbe-35	143	14	in	in	ADP
aijbe-35	143	15	dependent	dependent	ADJ
aijbe-35	143	16	variable	variable	NOUN
aijbe-35	143	17	is	be	AUX
aijbe-35	143	18	explained	explain	VERB
aijbe-35	143	19	by	by	ADP
aijbe-35	143	20	changes	change	NOUN
aijbe-35	143	21	in	in	ADP
aijbe-35	143	22	the	the	DET
aijbe-35	143	23	independent	independent	ADJ
aijbe-35	143	24	variables	variable	NOUN
aijbe-35	143	25	.	.	PUNCT
aijbe-35	144	1	4.4.2	4.4.2	NUM
aijbe-35	144	2	anova	anova	X
aijbe-35	144	3	(	(	PUNCT
aijbe-35	144	4	analysis	analysis	NOUN
aijbe-35	144	5	of	of	ADP
aijbe-35	144	6	variance	variance	NOUN
aijbe-35	144	7	)	)	PUNCT
aijbe-35	144	8	table	table	NOUN
aijbe-35	144	9	3	3	NUM
aijbe-35	144	10	:	:	PUNCT
aijbe-35	144	11	anova	anova	X
aijbe-35	144	12	(	(	PUNCT
aijbe-35	144	13	analysis	analysis	NOUN
aijbe-35	144	14	of	of	ADP
aijbe-35	144	15	variance	variance	NOUN
aijbe-35	144	16	)	)	PUNCT
aijbe-35	144	17	model	model	NOUN
aijbe-35	144	18	sum	sum	NOUN
aijbe-35	144	19	squares	square	NOUN
aijbe-35	144	20	of	of	ADP
aijbe-35	144	21	df	df	PROPN
aijbe-35	144	22	mean	mean	PROPN
aijbe-35	144	23	square	square	PROPN
aijbe-35	144	24	f	f	PROPN
aijbe-35	145	1	sig	sig	PROPN
aijbe-35	146	1	.	.	PUNCT
aijbe-35	147	1	regression	regression	VERB
aijbe-35	147	2	6.942	6.942	NUM
aijbe-35	147	3	3	3	NUM
aijbe-35	147	4	2.314	2.314	NUM
aijbe-35	147	5	6.51	6.51	NUM
aijbe-35	147	6	.001a	.001a	NOUN
aijbe-35	147	7	residual	residual	ADJ
aijbe-35	147	8	13.507	13.507	NUM
aijbe-35	147	9	38	38	NUM
aijbe-35	147	10	0.355	0.355	NUM
aijbe-35	147	11	total	total	NOUN
aijbe-35	147	12	20.449	20.449	NUM
aijbe-35	147	13	41	41	NUM
aijbe-35	147	14	source	source	NOUN
aijbe-35	147	15	:	:	PUNCT
aijbe-35	147	16	generated	generate	VERB
aijbe-35	147	17	from	from	ADP
aijbe-35	147	18	spss	spss	PROPN
aijbe-35	147	19	statistical	statistical	ADJ
aijbe-35	147	20	output	output	NOUN
aijbe-35	147	21	a.	a.	NOUN
aijbe-35	147	22	predictors	predictor	NOUN
aijbe-35	147	23	:	:	PUNCT
aijbe-35	147	24	(	(	PUNCT
aijbe-35	147	25	constant	constant	ADJ
aijbe-35	147	26	)	)	PUNCT
aijbe-35	147	27	,	,	PUNCT
aijbe-35	147	28	atm	atm	NOUN
aijbe-35	147	29	cards	card	NOUN
aijbe-35	147	30	,	,	PUNCT
aijbe-35	147	31	mobile	mobile	ADJ
aijbe-35	147	32	payments	payment	NOUN
aijbe-35	147	33	,	,	PUNCT
aijbe-35	147	34	and	and	CCONJ
aijbe-35	147	35	internet	internet	NOUN
aijbe-35	147	36	banking	banking	NOUN
aijbe-35	147	37	b.	b.	PROPN
aijbe-35	147	38	dependent	dependent	ADJ
aijbe-35	147	39	variable	variable	NOUN
aijbe-35	147	40	:	:	PUNCT
aijbe-35	147	41	roa	roa	PROPN
aijbe-35	147	42	the	the	DET
aijbe-35	147	43	model	model	NOUN
aijbe-35	147	44	summary	summary	NOUN
aijbe-35	147	45	also	also	ADV
aijbe-35	147	46	indicates	indicate	VERB
aijbe-35	147	47	that	that	SCONJ
aijbe-35	147	48	the	the	DET
aijbe-35	147	49	dependent	dependent	ADJ
aijbe-35	147	50	variable	variable	NOUN
aijbe-35	147	51	(	(	PUNCT
aijbe-35	147	52	roa	roa	NOUN
aijbe-35	147	53	)	)	PUNCT
aijbe-35	147	54	is	be	AUX
aijbe-35	147	55	significantly	significantly	ADV
aijbe-35	147	56	accurately	accurately	ADV
aijbe-35	147	57	predicted	predict	VERB
aijbe-35	147	58	by	by	ADP
aijbe-35	147	59	the	the	DET
aijbe-35	147	60	regression	regression	NOUN
aijbe-35	147	61	model	model	NOUN
aijbe-35	147	62	.	.	PUNCT
aijbe-35	148	1	the	the	DET
aijbe-35	148	2	statistical	statistical	ADJ
aijbe-35	148	3	significance	significance	NOUN
aijbe-35	148	4	of	of	ADP
aijbe-35	148	5	the	the	DET
aijbe-35	148	6	regression	regression	NOUN
aijbe-35	148	7	model	model	NOUN
aijbe-35	148	8	that	that	PRON
aijbe-35	148	9	was	be	AUX
aijbe-35	148	10	run	run	VERB
aijbe-35	148	11	is	be	AUX
aijbe-35	148	12	shown	show	VERB
aijbe-35	148	13	by	by	ADP
aijbe-35	148	14	the	the	DET
aijbe-35	148	15	f	f	PROPN
aijbe-35	148	16	test	test	NOUN
aijbe-35	148	17	.	.	PUNCT
aijbe-35	149	1	the	the	DET
aijbe-35	149	2	p=0.001	p=0.001	PROPN
aijbe-35	149	3	,	,	PUNCT
aijbe-35	149	4	which	which	PRON
aijbe-35	149	5	is	be	AUX
aijbe-35	149	6	less	less	ADJ
aijbe-35	149	7	than	than	ADP
aijbe-35	149	8	0.05	0.05	NUM
aijbe-35	149	9	designates	designate	NOUN
aijbe-35	149	10	that	that	SCONJ
aijbe-35	149	11	,	,	PUNCT
aijbe-35	149	12	generally	generally	ADV
aijbe-35	149	13	the	the	DET
aijbe-35	149	14	regression	regression	NOUN
aijbe-35	149	15	model	model	NOUN
aijbe-35	149	16	statistically	statistically	ADV
aijbe-35	149	17	and	and	CCONJ
aijbe-35	149	18	significantly	significantly	ADV
aijbe-35	149	19	predicts	predict	VERB
aijbe-35	149	20	the	the	DET
aijbe-35	149	21	outcome	outcome	NOUN
aijbe-35	149	22	variable	variable	NOUN
aijbe-35	149	23	that	that	PRON
aijbe-35	149	24	is	be	AUX
aijbe-35	149	25	good	good	ADJ
aijbe-35	149	26	fit	fit	ADJ
aijbe-35	149	27	for	for	ADP
aijbe-35	149	28	the	the	DET
aijbe-35	149	29	data	datum	NOUN
aijbe-35	149	30	.	.	PUNCT
aijbe-35	150	1	4.5	4.5	NUM
aijbe-35	150	2	coefficient	coefficient	NOUN
aijbe-35	150	3	of	of	ADP
aijbe-35	150	4	correlation	correlation	NOUN
aijbe-35	150	5	table	table	NOUN
aijbe-35	150	6	4	4	NUM
aijbe-35	150	7	:	:	PUNCT
aijbe-35	150	8	coefficient	coefficient	NOUN
aijbe-35	150	9	of	of	ADP
aijbe-35	150	10	correlation	correlation	NOUN
aijbe-35	150	11	b	b	NOUN
aijbe-35	150	12	std	std	PROPN
aijbe-35	150	13	.	.	NOUN
aijbe-35	150	14	error	error	NOUN
aijbe-35	150	15	beta	beta	PROPN
aijbe-35	150	16	t	t	PROPN
aijbe-35	150	17	sig	sig	PROPN
aijbe-35	150	18	.	.	PUNCT
aijbe-35	151	1	(	(	PUNCT
aijbe-35	151	2	constant	constant	ADJ
aijbe-35	151	3	)	)	PUNCT
aijbe-35	151	4	7.232	7.232	NUM
aijbe-35	151	5	0.643	0.643	NUM
aijbe-35	151	6	11.24	11.24	NUM
aijbe-35	151	7	.0000	.0000	PRON
aijbe-35	151	8	total	total	ADJ
aijbe-35	151	9	value	value	NOUN
aijbe-35	151	10	from	from	ADP
aijbe-35	151	11	atm	atm	PROPN
aijbe-35	151	12	cards	card	NOUN
aijbe-35	151	13	0.802	0.802	NUM
aijbe-35	151	14	0.343	0.343	NUM
aijbe-35	151	15	0.23	0.23	NUM
aijbe-35	151	16	2.34	2.34	NUM
aijbe-35	151	17	.0247	.0247	PROPN
aijbe-35	151	18	total	total	ADJ
aijbe-35	151	19	value	value	NOUN
aijbe-35	151	20	from	from	ADP
aijbe-35	151	21	mobile	mobile	ADJ
aijbe-35	151	22	payment	payment	NOUN
aijbe-35	151	23	0.769	0.769	NUM
aijbe-35	151	24	0.305	0.305	NUM
aijbe-35	151	25	0.46	0.46	NUM
aijbe-35	151	26	2.52	2.52	NUM
aijbe-35	151	27	.0160	.0160	NOUN
aijbe-35	152	1	muhammad	muhammad	PROPN
aijbe-35	152	2	aminu	aminu	PROPN
aijbe-35	152	3	isa	isa	PROPN
aijbe-35	152	4	(	(	PUNCT
aijbe-35	152	5	2023	2023	NUM
aijbe-35	152	6	)	)	PUNCT
aijbe-35	152	7	american	american	ADJ
aijbe-35	152	8	interdisciplinary	interdisciplinary	ADJ
aijbe-35	152	9	journal	journal	NOUN
aijbe-35	152	10	of	of	ADP
aijbe-35	152	11	business	business	NOUN
aijbe-35	152	12	and	and	CCONJ
aijbe-35	152	13	economics	economic	NOUN
aijbe-35	152	14	|	|	ADV
aijbe-35	152	15	60	60	NUM
aijbe-35	152	16	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADJ
aijbe-35	152	17	total	total	ADJ
aijbe-35	152	18	value	value	NOUN
aijbe-35	152	19	from	from	ADP
aijbe-35	152	20	internet	internet	NOUN
aijbe-35	152	21	bank	bank	NOUN
aijbe-35	152	22	.	.	PUNCT
aijbe-35	153	1	0.593	0.593	NUM
aijbe-35	153	2	0.291	0.291	NUM
aijbe-35	153	3	0.31	0.31	NUM
aijbe-35	153	4	2.04	2.04	NUM
aijbe-35	153	5	.0486	.0486	NOUN
aijbe-35	153	6	the	the	DET
aijbe-35	153	7	overall	overall	ADJ
aijbe-35	153	8	equation	equation	NOUN
aijbe-35	153	9	model	model	NOUN
aijbe-35	153	10	for	for	ADP
aijbe-35	153	11	roa	roa	PROPN
aijbe-35	153	12	,	,	PUNCT
aijbe-35	153	13	atm	atm	NOUN
aijbe-35	153	14	cards	card	NOUN
aijbe-35	153	15	,	,	PUNCT
aijbe-35	153	16	mobile	mobile	ADJ
aijbe-35	153	17	payments	payment	NOUN
aijbe-35	153	18	,	,	PUNCT
aijbe-35	153	19	and	and	CCONJ
aijbe-35	153	20	internet	internet	NOUN
aijbe-35	153	21	banking	banking	NOUN
aijbe-35	153	22	was	be	AUX
aijbe-35	153	23	as	as	SCONJ
aijbe-35	153	24	follows	follow	VERB
aijbe-35	153	25	:	:	PUNCT
aijbe-35	153	26	ybt	ybt	NOUN
aijbe-35	153	27	=	=	PUNCT
aijbe-35	153	28	7.232	7.232	NUM
aijbe-35	153	29	+	+	CCONJ
aijbe-35	153	30	0.802atmit	0.802atmit	NOUN
aijbe-35	154	1	+	+	CCONJ
aijbe-35	154	2	0.769mit	0.769mit	NOUN
aijbe-35	154	3	+	+	CCONJ
aijbe-35	154	4	0.593iit	0.593iit	PROPN
aijbe-35	154	5	+	+	CCONJ
aijbe-35	154	6	ε	ε	PROPN
aijbe-35	154	7	from	from	ADP
aijbe-35	154	8	the	the	DET
aijbe-35	154	9	model	model	NOUN
aijbe-35	154	10	,	,	PUNCT
aijbe-35	154	11	in	in	ADP
aijbe-35	154	12	any	any	DET
aijbe-35	154	13	given	give	VERB
aijbe-35	154	14	month	month	NOUN
aijbe-35	154	15	,	,	PUNCT
aijbe-35	154	16	the	the	DET
aijbe-35	154	17	roa	roa	NOUN
aijbe-35	154	18	will	will	AUX
aijbe-35	154	19	be	be	AUX
aijbe-35	154	20	7.232	7.232	NUM
aijbe-35	154	21	when	when	SCONJ
aijbe-35	154	22	all	all	DET
aijbe-35	154	23	the	the	DET
aijbe-35	154	24	predictor	predictor	NOUN
aijbe-35	154	25	values	value	NOUN
aijbe-35	154	26	are	be	AUX
aijbe-35	154	27	zero	zero	NUM
aijbe-35	154	28	.	.	PUNCT
aijbe-35	155	1	the	the	DET
aijbe-35	155	2	model	model	NOUN
aijbe-35	155	3	indicates	indicate	VERB
aijbe-35	155	4	that	that	SCONJ
aijbe-35	155	5	when	when	SCONJ
aijbe-35	155	6	the	the	DET
aijbe-35	155	7	value	value	NOUN
aijbe-35	155	8	processed	process	VERB
aijbe-35	155	9	through	through	ADP
aijbe-35	155	10	atm	atm	ADJ
aijbe-35	155	11	cards	card	NOUN
aijbe-35	155	12	changes	change	NOUN
aijbe-35	155	13	by	by	ADP
aijbe-35	155	14	one	one	NUM
aijbe-35	155	15	unit	unit	NOUN
aijbe-35	155	16	the	the	DET
aijbe-35	155	17	roa	roa	NOUN
aijbe-35	155	18	will	will	AUX
aijbe-35	155	19	increase	increase	VERB
aijbe-35	155	20	by	by	ADP
aijbe-35	155	21	0.802	0.802	NUM
aijbe-35	155	22	.	.	PUNCT
aijbe-35	156	1	in	in	ADP
aijbe-35	156	2	addition	addition	NOUN
aijbe-35	156	3	,	,	PUNCT
aijbe-35	156	4	mobile	mobile	ADJ
aijbe-35	156	5	payments	payment	NOUN
aijbe-35	156	6	total	total	ADJ
aijbe-35	156	7	changes	change	NOUN
aijbe-35	156	8	by	by	ADP
aijbe-35	156	9	one	one	NUM
aijbe-35	156	10	unit	unit	NOUN
aijbe-35	156	11	the	the	DET
aijbe-35	156	12	roa	roa	NOUN
aijbe-35	156	13	increases	increase	VERB
aijbe-35	156	14	by	by	ADP
aijbe-35	156	15	0.769	0.769	NUM
aijbe-35	156	16	.	.	PUNCT
aijbe-35	157	1	further	far	ADV
aijbe-35	157	2	,	,	PUNCT
aijbe-35	157	3	the	the	DET
aijbe-35	157	4	study	study	NOUN
aijbe-35	157	5	findings	finding	NOUN
aijbe-35	157	6	revealed	reveal	VERB
aijbe-35	157	7	that	that	SCONJ
aijbe-35	157	8	when	when	SCONJ
aijbe-35	157	9	the	the	DET
aijbe-35	157	10	internet	internet	NOUN
aijbe-35	157	11	banking	banking	NOUN
aijbe-35	157	12	value	value	NOUN
aijbe-35	157	13	changes	change	NOUN
aijbe-35	157	14	by	by	ADP
aijbe-35	157	15	one	one	NUM
aijbe-35	157	16	unit	unit	NOUN
aijbe-35	157	17	the	the	DET
aijbe-35	157	18	roa	roa	NOUN
aijbe-35	157	19	will	will	AUX
aijbe-35	157	20	increase	increase	VERB
aijbe-35	157	21	by	by	ADP
aijbe-35	157	22	0.593	0.593	NUM
aijbe-35	157	23	.	.	PUNCT
aijbe-35	157	24	to	to	PART
aijbe-35	157	25	test	test	VERB
aijbe-35	157	26	the	the	DET
aijbe-35	157	27	significance	significance	NOUN
aijbe-35	157	28	of	of	ADP
aijbe-35	157	29	each	each	DET
aijbe-35	157	30	individual	individual	ADJ
aijbe-35	157	31	variable	variable	NOUN
aijbe-35	157	32	which	which	PRON
aijbe-35	157	33	was	be	AUX
aijbe-35	157	34	based	base	VERB
aijbe-35	157	35	at	at	ADP
aijbe-35	157	36	0.05	0.05	NUM
aijbe-35	157	37	the	the	DET
aijbe-35	157	38	t	t	NOUN
aijbe-35	157	39	-	-	PUNCT
aijbe-35	157	40	test	test	NOUN
aijbe-35	157	41	was	be	AUX
aijbe-35	157	42	carried	carry	VERB
aijbe-35	157	43	out	out	ADP
aijbe-35	157	44	.	.	PUNCT
aijbe-35	158	1	the	the	DET
aijbe-35	158	2	result	result	NOUN
aijbe-35	158	3	indicates	indicate	VERB
aijbe-35	158	4	the	the	DET
aijbe-35	158	5	mobile	mobile	ADJ
aijbe-35	158	6	payments	payment	NOUN
aijbe-35	158	7	and	and	CCONJ
aijbe-35	158	8	internet	internet	NOUN
aijbe-35	158	9	banking	banking	NOUN
aijbe-35	158	10	have	have	VERB
aijbe-35	158	11	a	a	DET
aijbe-35	158	12	value	value	NOUN
aijbe-35	158	13	of	of	ADP
aijbe-35	158	14	0	0	NUM
aijbe-35	158	15	.	.	NOUN
aijbe-35	158	16	0160	0160	NUM
aijbe-35	158	17	and	and	CCONJ
aijbe-35	158	18	0.0486	0.0486	NUM
aijbe-35	158	19	against	against	ADP
aijbe-35	158	20	the	the	DET
aijbe-35	158	21	roa	roa	NOUN
aijbe-35	158	22	in	in	ADP
aijbe-35	158	23	the	the	DET
aijbe-35	158	24	model	model	NOUN
aijbe-35	158	25	respectively	respectively	ADV
aijbe-35	158	26	.	.	PUNCT
aijbe-35	159	1	this	this	PRON
aijbe-35	159	2	shows	show	VERB
aijbe-35	159	3	that	that	SCONJ
aijbe-35	159	4	the	the	DET
aijbe-35	159	5	relationship	relationship	NOUN
aijbe-35	159	6	between	between	ADP
aijbe-35	159	7	roa	roa	PROPN
aijbe-35	159	8	,	,	PUNCT
aijbe-35	159	9	mobile	mobile	ADJ
aijbe-35	159	10	payments	payment	NOUN
aijbe-35	159	11	and	and	CCONJ
aijbe-35	159	12	internet	internet	NOUN
aijbe-35	159	13	banking	banking	NOUN
aijbe-35	159	14	is	be	AUX
aijbe-35	159	15	significant	significant	ADJ
aijbe-35	159	16	.	.	PUNCT
aijbe-35	160	1	the	the	DET
aijbe-35	160	2	relationship	relationship	NOUN
aijbe-35	160	3	between	between	ADP
aijbe-35	160	4	roa	roa	PROPN
aijbe-35	160	5	and	and	CCONJ
aijbe-35	160	6	atm	atm	PROPN
aijbe-35	160	7	cards	card	NOUN
aijbe-35	160	8	recorded	record	VERB
aijbe-35	160	9	at	at	ADP
aijbe-35	160	10	rate	rate	NOUN
aijbe-35	160	11	of	of	ADP
aijbe-35	160	12	0.0247	0.0247	NUM
aijbe-35	160	13	which	which	PRON
aijbe-35	160	14	is	be	AUX
aijbe-35	160	15	significant	significant	ADJ
aijbe-35	160	16	since	since	SCONJ
aijbe-35	160	17	it	it	PRON
aijbe-35	160	18	’s	’	VERB
aijbe-35	160	19	less	less	ADJ
aijbe-35	160	20	than	than	ADP
aijbe-35	160	21	p	p	NOUN
aijbe-35	160	22	-	-	PUNCT
aijbe-35	160	23	value	value	NOUN
aijbe-35	160	24	(	(	PUNCT
aijbe-35	160	25	p.0.05	p.0.05	NOUN
aijbe-35	160	26	)	)	PUNCT
aijbe-35	160	27	.	.	PUNCT
aijbe-35	161	1	4.6	4.6	NUM
aijbe-35	161	2	discussion	discussion	NOUN
aijbe-35	161	3	of	of	ADP
aijbe-35	161	4	findings	finding	NOUN
aijbe-35	161	5	the	the	DET
aijbe-35	161	6	objective	objective	NOUN
aijbe-35	161	7	of	of	ADP
aijbe-35	161	8	the	the	DET
aijbe-35	161	9	study	study	NOUN
aijbe-35	161	10	was	be	AUX
aijbe-35	161	11	to	to	PART
aijbe-35	161	12	assess	assess	VERB
aijbe-35	161	13	the	the	DET
aijbe-35	161	14	effect	effect	NOUN
aijbe-35	161	15	of	of	ADP
aijbe-35	161	16	electronic	electronic	ADJ
aijbe-35	161	17	banking	banking	NOUN
aijbe-35	161	18	on	on	ADP
aijbe-35	161	19	the	the	DET
aijbe-35	161	20	financial	financial	ADJ
aijbe-35	161	21	performance	performance	NOUN
aijbe-35	161	22	of	of	ADP
aijbe-35	161	23	deposit	deposit	NOUN
aijbe-35	161	24	money	money	NOUN
aijbe-35	161	25	banks	bank	NOUN
aijbe-35	161	26	in	in	ADP
aijbe-35	161	27	nigeria	nigeria	PROPN
aijbe-35	161	28	.	.	PUNCT
aijbe-35	162	1	this	this	PRON
aijbe-35	162	2	was	be	AUX
aijbe-35	162	3	evaluated	evaluate	VERB
aijbe-35	162	4	by	by	ADP
aijbe-35	162	5	use	use	NOUN
aijbe-35	162	6	of	of	ADP
aijbe-35	162	7	secondary	secondary	ADJ
aijbe-35	162	8	data	datum	NOUN
aijbe-35	162	9	and	and	CCONJ
aijbe-35	162	10	the	the	DET
aijbe-35	162	11	succeeding	succeed	VERB
aijbe-35	162	12	analysis	analysis	NOUN
aijbe-35	162	13	centered	center	VERB
aijbe-35	162	14	on	on	ADP
aijbe-35	162	15	the	the	DET
aijbe-35	162	16	variables	variable	NOUN
aijbe-35	162	17	of	of	ADP
aijbe-35	162	18	the	the	DET
aijbe-35	162	19	study	study	NOUN
aijbe-35	162	20	(	(	PUNCT
aijbe-35	162	21	return	return	NOUN
aijbe-35	162	22	on	on	ADP
aijbe-35	162	23	assets	asset	NOUN
aijbe-35	162	24	,	,	PUNCT
aijbe-35	162	25	value	value	NOUN
aijbe-35	162	26	of	of	ADP
aijbe-35	162	27	atm	atm	NOUN
aijbe-35	162	28	transactions	transaction	NOUN
aijbe-35	162	29	,	,	PUNCT
aijbe-35	162	30	value	value	NOUN
aijbe-35	162	31	of	of	ADP
aijbe-35	162	32	mobile	mobile	ADJ
aijbe-35	162	33	banking	banking	NOUN
aijbe-35	162	34	transactions	transaction	NOUN
aijbe-35	162	35	and	and	CCONJ
aijbe-35	162	36	value	value	NOUN
aijbe-35	162	37	of	of	ADP
aijbe-35	162	38	internet	internet	NOUN
aijbe-35	162	39	banking	banking	NOUN
aijbe-35	162	40	transactions	transaction	NOUN
aijbe-35	162	41	)	)	PUNCT
aijbe-35	162	42	.	.	PUNCT
aijbe-35	163	1	results	result	NOUN
aijbe-35	163	2	indicate	indicate	VERB
aijbe-35	163	3	that	that	SCONJ
aijbe-35	163	4	the	the	DET
aijbe-35	163	5	regression	regression	NOUN
aijbe-35	163	6	model	model	NOUN
aijbe-35	163	7	is	be	AUX
aijbe-35	163	8	significant	significant	ADJ
aijbe-35	163	9	in	in	ADP
aijbe-35	163	10	explaining	explain	VERB
aijbe-35	163	11	the	the	DET
aijbe-35	163	12	changes	change	NOUN
aijbe-35	163	13	in	in	ADP
aijbe-35	163	14	the	the	DET
aijbe-35	163	15	independent	independent	ADJ
aijbe-35	163	16	variable	variable	NOUN
aijbe-35	163	17	as	as	SCONJ
aijbe-35	163	18	measured	measure	VERB
aijbe-35	163	19	by	by	ADP
aijbe-35	163	20	return	return	NOUN
aijbe-35	163	21	on	on	ADP
aijbe-35	163	22	assets	asset	NOUN
aijbe-35	163	23	caused	cause	VERB
aijbe-35	163	24	by	by	ADP
aijbe-35	163	25	changes	change	NOUN
aijbe-35	163	26	in	in	ADP
aijbe-35	163	27	the	the	DET
aijbe-35	163	28	three	three	NUM
aijbe-35	163	29	independent	independent	ADJ
aijbe-35	163	30	variables	variable	NOUN
aijbe-35	163	31	namely	namely	ADV
aijbe-35	163	32	value	value	NOUN
aijbe-35	163	33	of	of	ADP
aijbe-35	163	34	atm	atm	NOUN
aijbe-35	163	35	transactions	transaction	NOUN
aijbe-35	163	36	,	,	PUNCT
aijbe-35	163	37	value	value	NOUN
aijbe-35	163	38	of	of	ADP
aijbe-35	163	39	mobile	mobile	ADJ
aijbe-35	163	40	banking	banking	NOUN
aijbe-35	163	41	transactions	transaction	NOUN
aijbe-35	163	42	and	and	CCONJ
aijbe-35	163	43	value	value	NOUN
aijbe-35	163	44	of	of	ADP
aijbe-35	163	45	internet	internet	NOUN
aijbe-35	163	46	banking	banking	NOUN
aijbe-35	163	47	transactions	transaction	NOUN
aijbe-35	163	48	.	.	PUNCT
aijbe-35	164	1	this	this	PRON
aijbe-35	164	2	is	be	AUX
aijbe-35	164	3	in	in	ADP
aijbe-35	164	4	line	line	NOUN
aijbe-35	164	5	with	with	ADP
aijbe-35	164	6	the	the	DET
aijbe-35	164	7	findings	finding	NOUN
aijbe-35	164	8	of	of	ADP
aijbe-35	164	9	abaenewe	abaenewe	PROPN
aijbe-35	164	10	,	,	PUNCT
aijbe-35	164	11	ogbulu	ogbulu	ADJ
aijbe-35	164	12	,	,	PUNCT
aijbe-35	164	13	&	&	CCONJ
aijbe-35	164	14	ndugbu	ndugbu	PROPN
aijbe-35	164	15	(	(	PUNCT
aijbe-35	164	16	2013	2013	NUM
aijbe-35	164	17	)	)	PUNCT
aijbe-35	164	18	that	that	PRON
aijbe-35	164	19	indicated	indicate	VERB
aijbe-35	164	20	that	that	SCONJ
aijbe-35	164	21	changes	change	NOUN
aijbe-35	164	22	in	in	ADP
aijbe-35	164	23	profitability	profitability	NOUN
aijbe-35	164	24	of	of	ADP
aijbe-35	164	25	nigeria	nigeria	PROPN
aijbe-35	164	26	’s	’s	PART
aijbe-35	164	27	commercial	commercial	ADJ
aijbe-35	164	28	banks	bank	NOUN
aijbe-35	164	29	is	be	AUX
aijbe-35	164	30	significantly	significantly	ADV
aijbe-35	164	31	explained	explain	VERB
aijbe-35	164	32	by	by	ADP
aijbe-35	164	33	variations	variation	NOUN
aijbe-35	164	34	in	in	ADP
aijbe-35	164	35	electronic	electronic	ADJ
aijbe-35	164	36	funds	fund	NOUN
aijbe-35	164	37	transfer	transfer	NOUN
aijbe-35	164	38	.	.	PUNCT
aijbe-35	165	1	the	the	DET
aijbe-35	165	2	study	study	NOUN
aijbe-35	165	3	findings	finding	NOUN
aijbe-35	165	4	indicated	indicate	VERB
aijbe-35	165	5	that	that	SCONJ
aijbe-35	165	6	the	the	DET
aijbe-35	165	7	value	value	NOUN
aijbe-35	165	8	processed	process	VERB
aijbe-35	165	9	through	through	ADP
aijbe-35	165	10	atm	atm	ADJ
aijbe-35	165	11	cards	card	NOUN
aijbe-35	165	12	positively	positively	ADV
aijbe-35	165	13	and	and	CCONJ
aijbe-35	165	14	significantly	significantly	ADV
aijbe-35	165	15	influenced	influence	VERB
aijbe-35	165	16	the	the	DET
aijbe-35	165	17	financial	financial	ADJ
aijbe-35	165	18	performance	performance	NOUN
aijbe-35	165	19	of	of	ADP
aijbe-35	165	20	commercial	commercial	ADJ
aijbe-35	165	21	banks	bank	NOUN
aijbe-35	165	22	in	in	ADP
aijbe-35	165	23	nigeria	nigeria	PROPN
aijbe-35	165	24	.	.	PUNCT
aijbe-35	166	1	this	this	PRON
aijbe-35	166	2	correlates	correlate	VERB
aijbe-35	166	3	to	to	PART
aijbe-35	166	4	abaenewe	abaenewe	VERB
aijbe-35	166	5	,	,	PUNCT
aijbe-35	166	6	et	et	PROPN
aijbe-35	166	7	.	.	PUNCT
aijbe-35	167	1	al	al	PROPN
aijbe-35	167	2	(	(	PUNCT
aijbe-35	167	3	2013	2013	NUM
aijbe-35	167	4	)	)	PUNCT
aijbe-35	167	5	who	who	PRON
aijbe-35	167	6	noted	note	VERB
aijbe-35	167	7	that	that	SCONJ
aijbe-35	167	8	a	a	DET
aijbe-35	167	9	steady	steady	ADJ
aijbe-35	167	10	rise	rise	NOUN
aijbe-35	167	11	in	in	ADP
aijbe-35	167	12	the	the	DET
aijbe-35	167	13	financial	financial	ADJ
aijbe-35	167	14	performance	performance	NOUN
aijbe-35	167	15	of	of	ADP
aijbe-35	167	16	banks	bank	NOUN
aijbe-35	167	17	has	have	AUX
aijbe-35	167	18	been	be	AUX
aijbe-35	167	19	occasioned	occasion	VERB
aijbe-35	167	20	through	through	ADP
aijbe-35	167	21	an	an	DET
aijbe-35	167	22	upsurge	upsurge	NOUN
aijbe-35	167	23	in	in	ADP
aijbe-35	167	24	atm	atm	ADJ
aijbe-35	167	25	usage	usage	NOUN
aijbe-35	167	26	as	as	SCONJ
aijbe-35	167	27	measured	measure	VERB
aijbe-35	167	28	by	by	ADP
aijbe-35	167	29	number	number	NOUN
aijbe-35	167	30	of	of	ADP
aijbe-35	167	31	atms	atms	NOUN
aijbe-35	167	32	.	.	PUNCT
aijbe-35	168	1	this	this	PRON
aijbe-35	168	2	also	also	ADV
aijbe-35	168	3	agrees	agree	VERB
aijbe-35	168	4	to	to	ADP
aijbe-35	168	5	jayshree	jayshree	PROPN
aijbe-35	168	6	,	,	PUNCT
aijbe-35	168	7	(	(	PUNCT
aijbe-35	168	8	2013	2013	NUM
aijbe-35	168	9	)	)	PUNCT
aijbe-35	168	10	who	who	PRON
aijbe-35	168	11	listed	list	VERB
aijbe-35	168	12	initiation	initiation	NOUN
aijbe-35	168	13	of	of	ADP
aijbe-35	168	14	accounts	account	NOUN
aijbe-35	168	15	,	,	PUNCT
aijbe-35	168	16	monitoring	monitoring	NOUN
aijbe-35	168	17	of	of	ADP
aijbe-35	168	18	accounts	account	NOUN
aijbe-35	168	19	and	and	CCONJ
aijbe-35	168	20	execution	execution	NOUN
aijbe-35	168	21	and	and	CCONJ
aijbe-35	168	22	logging	logging	NOUN
aijbe-35	168	23	of	of	ADP
aijbe-35	168	24	transactions	transaction	NOUN
aijbe-35	168	25	as	as	ADP
aijbe-35	168	26	some	some	PRON
aijbe-35	168	27	of	of	ADP
aijbe-35	168	28	the	the	DET
aijbe-35	168	29	banking	banking	NOUN
aijbe-35	168	30	services	service	NOUN
aijbe-35	168	31	that	that	PRON
aijbe-35	168	32	have	have	AUX
aijbe-35	168	33	been	be	AUX
aijbe-35	168	34	transformed	transform	VERB
aijbe-35	168	35	by	by	ADP
aijbe-35	168	36	deployment	deployment	NOUN
aijbe-35	168	37	of	of	ADP
aijbe-35	168	38	ict	ict	PROPN
aijbe-35	168	39	by	by	ADP
aijbe-35	168	40	banks	bank	NOUN
aijbe-35	168	41	.	.	PUNCT
aijbe-35	169	1	he	he	PRON
aijbe-35	169	2	notes	note	VERB
aijbe-35	169	3	that	that	SCONJ
aijbe-35	169	4	self	self	NOUN
aijbe-35	169	5	service	service	NOUN
aijbe-35	169	6	facilities	facility	NOUN
aijbe-35	169	7	have	have	AUX
aijbe-35	169	8	resulted	result	VERB
aijbe-35	169	9	from	from	ADP
aijbe-35	169	10	embracing	embrace	VERB
aijbe-35	169	11	ict	ict	PROPN
aijbe-35	169	12	and	and	CCONJ
aijbe-35	169	13	this	this	PRON
aijbe-35	169	14	has	have	AUX
aijbe-35	169	15	enabled	enable	VERB
aijbe-35	169	16	bank	bank	NOUN
aijbe-35	169	17	customers	customer	NOUN
aijbe-35	169	18	to	to	PART
aijbe-35	169	19	be	be	AUX
aijbe-35	169	20	able	able	ADJ
aijbe-35	169	21	to	to	PART
aijbe-35	169	22	authenticate	authenticate	VERB
aijbe-35	169	23	their	their	PRON
aijbe-35	169	24	account	account	NOUN
aijbe-35	169	25	numbers	number	NOUN
aijbe-35	169	26	and	and	CCONJ
aijbe-35	169	27	obtain	obtain	VERB
aijbe-35	169	28	instructions	instruction	NOUN
aijbe-35	169	29	on	on	ADP
aijbe-35	169	30	when	when	SCONJ
aijbe-35	169	31	and	and	CCONJ
aijbe-35	169	32	how	how	SCONJ
aijbe-35	169	33	to	to	PART
aijbe-35	169	34	receive	receive	VERB
aijbe-35	169	35	their	their	PRON
aijbe-35	169	36	credit	credit	NOUN
aijbe-35	169	37	and	and	CCONJ
aijbe-35	169	38	debit	debit	NOUN
aijbe-35	169	39	cards	card	NOUN
aijbe-35	169	40	and	and	CCONJ
aijbe-35	169	41	cheque	cheque	NOUN
aijbe-35	169	42	books	book	NOUN
aijbe-35	169	43	.	.	PUNCT
aijbe-35	170	1	the	the	DET
aijbe-35	170	2	study	study	NOUN
aijbe-35	170	3	established	establish	VERB
aijbe-35	170	4	that	that	SCONJ
aijbe-35	170	5	mobile	mobile	ADJ
aijbe-35	170	6	banking	banking	NOUN
aijbe-35	170	7	significantly	significantly	ADV
aijbe-35	170	8	and	and	CCONJ
aijbe-35	170	9	positively	positively	ADV
aijbe-35	170	10	influences	influence	VERB
aijbe-35	170	11	the	the	DET
aijbe-35	170	12	financial	financial	ADJ
aijbe-35	170	13	performance	performance	NOUN
aijbe-35	170	14	of	of	ADP
aijbe-35	170	15	commercial	commercial	ADJ
aijbe-35	170	16	banks	bank	NOUN
aijbe-35	170	17	in	in	ADP
aijbe-35	170	18	nigeria	nigeria	PROPN
aijbe-35	170	19	.	.	PUNCT
aijbe-35	171	1	this	this	PRON
aijbe-35	171	2	is	be	AUX
aijbe-35	171	3	in	in	ADP
aijbe-35	171	4	line	line	NOUN
aijbe-35	171	5	with	with	ADP
aijbe-35	171	6	mallat	mallat	ADJ
aijbe-35	171	7	,	,	PUNCT
aijbe-35	171	8	rossi	rossi	PROPN
aijbe-35	171	9	&	&	CCONJ
aijbe-35	171	10	tuunainen	tuunainen	PROPN
aijbe-35	171	11	(	(	PUNCT
aijbe-35	171	12	2004	2004	NUM
aijbe-35	171	13	)	)	PUNCT
aijbe-35	171	14	who	who	PRON
aijbe-35	171	15	state	state	VERB
aijbe-35	171	16	that	that	SCONJ
aijbe-35	171	17	mobile	mobile	ADJ
aijbe-35	171	18	services	service	NOUN
aijbe-35	171	19	are	be	AUX
aijbe-35	171	20	among	among	ADP
aijbe-35	171	21	the	the	DET
aijbe-35	171	22	newest	new	ADJ
aijbe-35	171	23	services	service	NOUN
aijbe-35	171	24	that	that	PRON
aijbe-35	171	25	the	the	DET
aijbe-35	171	26	banks	bank	NOUN
aijbe-35	171	27	offer	offer	VERB
aijbe-35	171	28	.	.	PUNCT
aijbe-35	172	1	through	through	ADP
aijbe-35	172	2	this	this	DET
aijbe-35	172	3	service	service	NOUN
aijbe-35	172	4	,	,	PUNCT
aijbe-35	172	5	the	the	DET
aijbe-35	172	6	customers	customer	NOUN
aijbe-35	172	7	receive	receive	VERB
aijbe-35	172	8	messages	message	NOUN
aijbe-35	172	9	on	on	ADP
aijbe-35	172	10	their	their	PRON
aijbe-35	172	11	cell	cell	NOUN
aijbe-35	172	12	phones	phone	NOUN
aijbe-35	172	13	when	when	SCONJ
aijbe-35	172	14	transactions	transaction	NOUN
aijbe-35	172	15	that	that	PRON
aijbe-35	172	16	pertain	pertain	VERB
aijbe-35	172	17	to	to	ADP
aijbe-35	172	18	the	the	DET
aijbe-35	172	19	customers	customer	NOUN
aijbe-35	172	20	such	such	ADJ
aijbe-35	172	21	as	as	ADP
aijbe-35	172	22	those	those	PRON
aijbe-35	172	23	involving	involve	VERB
aijbe-35	172	24	their	their	PRON
aijbe-35	172	25	cards	card	NOUN
aijbe-35	172	26	or	or	CCONJ
aijbe-35	172	27	accounts	account	NOUN
aijbe-35	172	28	take	take	VERB
aijbe-35	172	29	place	place	NOUN
aijbe-35	172	30	.	.	PUNCT
aijbe-35	173	1	this	this	PRON
aijbe-35	173	2	goes	go	VERB
aijbe-35	173	3	a	a	DET
aijbe-35	173	4	long	long	ADJ
aijbe-35	173	5	way	way	NOUN
aijbe-35	173	6	into	into	ADP
aijbe-35	173	7	lowering	lower	VERB
aijbe-35	173	8	the	the	DET
aijbe-35	173	9	risk	risk	NOUN
aijbe-35	173	10	that	that	SCONJ
aijbe-35	173	11	the	the	DET
aijbe-35	173	12	customers	customer	NOUN
aijbe-35	173	13	’	’	PART
aijbe-35	173	14	account	account	NOUN
aijbe-35	173	15	or	or	CCONJ
aijbe-35	173	16	cards	card	NOUN
aijbe-35	173	17	are	be	AUX
aijbe-35	173	18	being	be	AUX
aijbe-35	173	19	exploited	exploit	VERB
aijbe-35	173	20	by	by	ADP
aijbe-35	173	21	an	an	DET
aijbe-35	173	22	individual	individual	NOUN
aijbe-35	173	23	who	who	PRON
aijbe-35	173	24	is	be	AUX
aijbe-35	173	25	not	not	PART
aijbe-35	173	26	the	the	DET
aijbe-35	173	27	customer	customer	NOUN
aijbe-35	173	28	.	.	PUNCT
aijbe-35	174	1	the	the	DET
aijbe-35	174	2	finding	finding	NOUN
aijbe-35	174	3	also	also	ADV
aijbe-35	174	4	tallies	tally	VERB
aijbe-35	174	5	to	to	PART
aijbe-35	174	6	jegede	jegede	VERB
aijbe-35	174	7	(	(	PUNCT
aijbe-35	174	8	2014	2014	NUM
aijbe-35	174	9	)	)	PUNCT
aijbe-35	174	10	that	that	SCONJ
aijbe-35	174	11	muhammad	muhammad	PROPN
aijbe-35	174	12	aminu	aminu	PROPN
aijbe-35	174	13	isa	isa	PROPN
aijbe-35	174	14	(	(	PUNCT
aijbe-35	174	15	2023	2023	NUM
aijbe-35	174	16	)	)	PUNCT
aijbe-35	174	17	american	american	ADJ
aijbe-35	174	18	interdisciplinary	interdisciplinary	ADJ
aijbe-35	174	19	journal	journal	NOUN
aijbe-35	174	20	of	of	ADP
aijbe-35	174	21	business	business	NOUN
aijbe-35	174	22	and	and	CCONJ
aijbe-35	174	23	economics	economic	NOUN
aijbe-35	174	24	|	|	ADV
aijbe-35	174	25	61	61	NUM
aijbe-35	174	26	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADJ
aijbe-35	174	27	mobile	mobile	ADJ
aijbe-35	174	28	banking	banking	NOUN
aijbe-35	174	29	has	have	AUX
aijbe-35	174	30	reinvented	reinvent	VERB
aijbe-35	174	31	the	the	DET
aijbe-35	174	32	methods	method	NOUN
aijbe-35	174	33	of	of	ADP
aijbe-35	174	34	operations	operation	NOUN
aijbe-35	174	35	of	of	ADP
aijbe-35	174	36	banks	bank	NOUN
aijbe-35	174	37	in	in	ADP
aijbe-35	174	38	nigeria	nigeria	PROPN
aijbe-35	174	39	and	and	CCONJ
aijbe-35	174	40	positively	positively	ADV
aijbe-35	174	41	influenced	influence	VERB
aijbe-35	174	42	the	the	DET
aijbe-35	174	43	performance	performance	NOUN
aijbe-35	174	44	of	of	ADP
aijbe-35	174	45	the	the	DET
aijbe-35	174	46	commercial	commercial	ADJ
aijbe-35	174	47	banks	bank	NOUN
aijbe-35	174	48	.	.	PUNCT
aijbe-35	175	1	the	the	DET
aijbe-35	175	2	study	study	NOUN
aijbe-35	175	3	further	far	ADV
aijbe-35	175	4	reveals	reveal	VERB
aijbe-35	175	5	that	that	SCONJ
aijbe-35	175	6	internet	internet	NOUN
aijbe-35	175	7	banking	banking	NOUN
aijbe-35	175	8	positively	positively	ADV
aijbe-35	175	9	and	and	CCONJ
aijbe-35	175	10	significantly	significantly	ADV
aijbe-35	175	11	influences	influence	VERB
aijbe-35	175	12	the	the	DET
aijbe-35	175	13	financial	financial	ADJ
aijbe-35	175	14	performance	performance	NOUN
aijbe-35	175	15	of	of	ADP
aijbe-35	175	16	commercial	commercial	ADJ
aijbe-35	175	17	banks	bank	NOUN
aijbe-35	175	18	in	in	ADP
aijbe-35	175	19	nigeria	nigeria	PROPN
aijbe-35	175	20	.	.	PUNCT
aijbe-35	176	1	this	this	PRON
aijbe-35	176	2	correlates	correlate	VERB
aijbe-35	176	3	with	with	ADP
aijbe-35	176	4	joseph	joseph	PROPN
aijbe-35	176	5	(	(	PUNCT
aijbe-35	176	6	2013	2013	NUM
aijbe-35	176	7	)	)	PUNCT
aijbe-35	176	8	who	who	PRON
aijbe-35	176	9	states	state	VERB
aijbe-35	176	10	internet	internet	NOUN
aijbe-35	176	11	banking	banking	NOUN
aijbe-35	176	12	permits	permit	VERB
aijbe-35	176	13	clients	client	NOUN
aijbe-35	176	14	to	to	PART
aijbe-35	176	15	execute	execute	VERB
aijbe-35	176	16	transactions	transaction	NOUN
aijbe-35	176	17	at	at	ADP
aijbe-35	176	18	an	an	DET
aijbe-35	176	19	opportune	opportune	ADJ
aijbe-35	176	20	place	place	NOUN
aijbe-35	176	21	and	and	CCONJ
aijbe-35	176	22	time	time	NOUN
aijbe-35	176	23	.	.	PUNCT
aijbe-35	177	1	the	the	DET
aijbe-35	177	2	finding	finding	NOUN
aijbe-35	177	3	also	also	ADV
aijbe-35	177	4	agrees	agree	VERB
aijbe-35	177	5	to	to	ADP
aijbe-35	177	6	agboola	agboola	PROPN
aijbe-35	177	7	(	(	PUNCT
aijbe-35	177	8	2006	2006	NUM
aijbe-35	177	9	)	)	PUNCT
aijbe-35	177	10	who	who	PRON
aijbe-35	177	11	indicated	indicate	VERB
aijbe-35	177	12	that	that	SCONJ
aijbe-35	177	13	modern	modern	ADJ
aijbe-35	177	14	technology	technology	NOUN
aijbe-35	177	15	was	be	AUX
aijbe-35	177	16	the	the	DET
aijbe-35	177	17	major	major	ADJ
aijbe-35	177	18	driver	driver	NOUN
aijbe-35	177	19	of	of	ADP
aijbe-35	177	20	competition	competition	NOUN
aijbe-35	177	21	in	in	ADP
aijbe-35	177	22	the	the	DET
aijbe-35	177	23	banking	banking	NOUN
aijbe-35	177	24	sector	sector	NOUN
aijbe-35	177	25	.	.	PUNCT
aijbe-35	178	1	in	in	ADP
aijbe-35	178	2	the	the	DET
aijbe-35	178	3	study	study	NOUN
aijbe-35	178	4	an	an	DET
aijbe-35	178	5	upsurge	upsurge	NOUN
aijbe-35	178	6	in	in	ADP
aijbe-35	178	7	the	the	DET
aijbe-35	178	8	deployment	deployment	NOUN
aijbe-35	178	9	of	of	ADP
aijbe-35	178	10	various	various	ADJ
aijbe-35	178	11	e	e	NOUN
aijbe-35	178	12	-	-	ADJ
aijbe-35	178	13	banking	banking	ADJ
aijbe-35	178	14	tools	tool	NOUN
aijbe-35	178	15	was	be	AUX
aijbe-35	178	16	highly	highly	ADV
aijbe-35	178	17	evident	evident	ADJ
aijbe-35	178	18	.	.	PUNCT
aijbe-35	179	1	the	the	DET
aijbe-35	179	2	study	study	NOUN
aijbe-35	179	3	indicated	indicate	VERB
aijbe-35	179	4	that	that	SCONJ
aijbe-35	179	5	the	the	DET
aijbe-35	179	6	utilization	utilization	NOUN
aijbe-35	179	7	of	of	ADP
aijbe-35	179	8	modern	modern	ADJ
aijbe-35	179	9	ict	ict	NOUN
aijbe-35	179	10	practices	practice	NOUN
aijbe-35	179	11	significantly	significantly	ADV
aijbe-35	179	12	improves	improve	VERB
aijbe-35	179	13	the	the	DET
aijbe-35	179	14	bank	bank	NOUN
aijbe-35	179	15	’s	’s	PART
aijbe-35	179	16	reputation	reputation	NOUN
aijbe-35	179	17	and	and	CCONJ
aijbe-35	179	18	eventually	eventually	ADV
aijbe-35	179	19	results	result	VERB
aijbe-35	179	20	to	to	PART
aijbe-35	179	21	foster	foster	VERB
aijbe-35	179	22	efficient	efficient	ADJ
aijbe-35	179	23	and	and	CCONJ
aijbe-35	179	24	effective	effective	ADJ
aijbe-35	179	25	service	service	NOUN
aijbe-35	179	26	delivery	delivery	NOUN
aijbe-35	179	27	.	.	PUNCT
aijbe-35	180	1	5.0	5.0	NUM
aijbe-35	180	2	conclusion	conclusion	NOUN
aijbe-35	180	3	and	and	CCONJ
aijbe-35	180	4	recommendations	recommendation	NOUN
aijbe-35	180	5	5.1	5.1	NUM
aijbe-35	180	6	conclusion	conclusion	NOUN
aijbe-35	180	7	the	the	DET
aijbe-35	180	8	study	study	NOUN
aijbe-35	180	9	indicates	indicate	VERB
aijbe-35	180	10	that	that	SCONJ
aijbe-35	180	11	the	the	DET
aijbe-35	180	12	e	e	NOUN
aijbe-35	180	13	-	-	ADJ
aijbe-35	180	14	banking	banking	ADJ
aijbe-35	180	15	independent	independent	ADJ
aijbe-35	180	16	variables	variable	NOUN
aijbe-35	180	17	(	(	PUNCT
aijbe-35	180	18	atm	atm	ADJ
aijbe-35	180	19	,	,	PUNCT
aijbe-35	180	20	mobile	mobile	ADJ
aijbe-35	180	21	and	and	CCONJ
aijbe-35	180	22	internet	internet	NOUN
aijbe-35	180	23	banking	banking	NOUN
aijbe-35	180	24	)	)	PUNCT
aijbe-35	180	25	measured	measure	VERB
aijbe-35	180	26	by	by	ADP
aijbe-35	180	27	the	the	DET
aijbe-35	180	28	value	value	NOUN
aijbe-35	180	29	of	of	ADP
aijbe-35	180	30	transactions	transaction	NOUN
aijbe-35	180	31	effected	effect	VERB
aijbe-35	180	32	explain	explain	VERB
aijbe-35	180	33	the	the	DET
aijbe-35	180	34	financial	financial	ADJ
aijbe-35	180	35	performance	performance	NOUN
aijbe-35	180	36	of	of	ADP
aijbe-35	180	37	nigeria	nigeria	PROPN
aijbe-35	180	38	’s	’s	PART
aijbe-35	180	39	commercial	commercial	ADJ
aijbe-35	180	40	banks	bank	NOUN
aijbe-35	180	41	as	as	SCONJ
aijbe-35	180	42	measured	measure	VERB
aijbe-35	180	43	by	by	ADP
aijbe-35	180	44	the	the	DET
aijbe-35	180	45	return	return	NOUN
aijbe-35	180	46	on	on	ADP
aijbe-35	180	47	assets	asset	NOUN
aijbe-35	180	48	.	.	PUNCT
aijbe-35	181	1	this	this	PRON
aijbe-35	181	2	is	be	AUX
aijbe-35	181	3	inferred	infer	VERB
aijbe-35	181	4	from	from	ADP
aijbe-35	181	5	the	the	DET
aijbe-35	181	6	strong	strong	ADJ
aijbe-35	181	7	relationship	relationship	NOUN
aijbe-35	181	8	between	between	ADP
aijbe-35	181	9	the	the	DET
aijbe-35	181	10	dependent	dependent	ADJ
aijbe-35	181	11	variable	variable	NOUN
aijbe-35	181	12	and	and	CCONJ
aijbe-35	181	13	the	the	DET
aijbe-35	181	14	independent	independent	ADJ
aijbe-35	181	15	variables	variable	NOUN
aijbe-35	181	16	found	find	VERB
aijbe-35	181	17	by	by	ADP
aijbe-35	181	18	the	the	DET
aijbe-35	181	19	study	study	NOUN
aijbe-35	181	20	.	.	PUNCT
aijbe-35	182	1	the	the	DET
aijbe-35	182	2	study	study	NOUN
aijbe-35	182	3	concludes	conclude	VERB
aijbe-35	182	4	that	that	SCONJ
aijbe-35	182	5	e	e	NOUN
aijbe-35	182	6	-	-	NOUN
aijbe-35	182	7	banking	banking	NOUN
aijbe-35	182	8	has	have	AUX
aijbe-35	182	9	contributed	contribute	VERB
aijbe-35	182	10	positively	positively	ADV
aijbe-35	182	11	to	to	ADP
aijbe-35	182	12	the	the	DET
aijbe-35	182	13	financial	financial	ADJ
aijbe-35	182	14	performance	performance	NOUN
aijbe-35	182	15	of	of	ADP
aijbe-35	182	16	nigeria	nigeria	PROPN
aijbe-35	182	17	’s	’s	PART
aijbe-35	182	18	commercial	commercial	ADJ
aijbe-35	182	19	banks	bank	NOUN
aijbe-35	182	20	.	.	PUNCT
aijbe-35	183	1	this	this	PRON
aijbe-35	183	2	is	be	AUX
aijbe-35	183	3	inferred	infer	VERB
aijbe-35	183	4	from	from	ADP
aijbe-35	183	5	the	the	DET
aijbe-35	183	6	trends	trend	NOUN
aijbe-35	183	7	recorded	record	VERB
aijbe-35	183	8	in	in	ADP
aijbe-35	183	9	the	the	DET
aijbe-35	183	10	variables	variable	NOUN
aijbe-35	183	11	where	where	SCONJ
aijbe-35	183	12	the	the	DET
aijbe-35	183	13	value	value	NOUN
aijbe-35	183	14	of	of	ADP
aijbe-35	183	15	transactions	transaction	NOUN
aijbe-35	183	16	effected	effect	VERB
aijbe-35	183	17	through	through	ADP
aijbe-35	183	18	e	e	NOUN
aijbe-35	183	19	-	-	NOUN
aijbe-35	183	20	banking	banking	NOUN
aijbe-35	183	21	had	have	VERB
aijbe-35	183	22	a	a	DET
aijbe-35	183	23	positive	positive	ADJ
aijbe-35	183	24	and	and	CCONJ
aijbe-35	183	25	significant	significant	ADJ
aijbe-35	183	26	influence	influence	NOUN
aijbe-35	183	27	on	on	ADP
aijbe-35	183	28	financial	financial	ADJ
aijbe-35	183	29	performance	performance	NOUN
aijbe-35	183	30	of	of	ADP
aijbe-35	183	31	commercial	commercial	ADJ
aijbe-35	183	32	banks	bank	NOUN
aijbe-35	183	33	in	in	ADP
aijbe-35	183	34	nigeria	nigeria	PROPN
aijbe-35	183	35	.	.	PUNCT
aijbe-35	184	1	e	e	X
aijbe-35	184	2	-	-	NOUN
aijbe-35	184	3	banking	banking	NOUN
aijbe-35	184	4	provides	provide	VERB
aijbe-35	184	5	effective	effective	ADJ
aijbe-35	184	6	and	and	CCONJ
aijbe-35	184	7	efficient	efficient	ADJ
aijbe-35	184	8	channels	channel	NOUN
aijbe-35	184	9	that	that	PRON
aijbe-35	184	10	facilitate	facilitate	VERB
aijbe-35	184	11	improved	improved	ADJ
aijbe-35	184	12	service	service	NOUN
aijbe-35	184	13	delivery	delivery	NOUN
aijbe-35	184	14	and	and	CCONJ
aijbe-35	184	15	diversified	diversified	ADJ
aijbe-35	184	16	products	product	NOUN
aijbe-35	184	17	tailored	tailor	VERB
aijbe-35	184	18	to	to	ADP
aijbe-35	184	19	client	client	NOUN
aijbe-35	184	20	needs	need	NOUN
aijbe-35	184	21	.	.	PUNCT
aijbe-35	185	1	kaye	kaye	PROPN
aijbe-35	185	2	,	,	PUNCT
aijbe-35	185	3	ongundele	ongundele	PROPN
aijbe-35	185	4	&	&	CCONJ
aijbe-35	185	5	obaro	obaro	PROPN
aijbe-35	185	6	,	,	PUNCT
aijbe-35	185	7	(	(	PUNCT
aijbe-35	185	8	2013	2013	NUM
aijbe-35	185	9	)	)	PUNCT
aijbe-35	185	10	believed	believe	VERB
aijbe-35	185	11	that	that	SCONJ
aijbe-35	185	12	it	it	PRON
aijbe-35	185	13	is	be	AUX
aijbe-35	185	14	now	now	ADV
aijbe-35	185	15	glaring	glare	VERB
aijbe-35	185	16	that	that	SCONJ
aijbe-35	185	17	atm	atm	PROPN
aijbe-35	185	18	cards	card	NOUN
aijbe-35	185	19	positively	positively	ADV
aijbe-35	185	20	and	and	CCONJ
aijbe-35	185	21	significantly	significantly	ADV
aijbe-35	185	22	influenced	influence	VERB
aijbe-35	185	23	the	the	DET
aijbe-35	185	24	financial	financial	ADJ
aijbe-35	185	25	performance	performance	NOUN
aijbe-35	185	26	of	of	ADP
aijbe-35	185	27	commercial	commercial	ADJ
aijbe-35	185	28	banks	bank	NOUN
aijbe-35	185	29	in	in	ADP
aijbe-35	185	30	nigeria	nigeria	PROPN
aijbe-35	185	31	.	.	PUNCT
aijbe-35	186	1	in	in	ADP
aijbe-35	186	2	addition	addition	NOUN
aijbe-35	186	3	,	,	PUNCT
aijbe-35	186	4	the	the	DET
aijbe-35	186	5	study	study	NOUN
aijbe-35	186	6	concludes	conclude	VERB
aijbe-35	186	7	that	that	SCONJ
aijbe-35	186	8	mobile	mobile	ADJ
aijbe-35	186	9	banking	banking	NOUN
aijbe-35	186	10	significantly	significantly	ADV
aijbe-35	186	11	and	and	CCONJ
aijbe-35	186	12	positively	positively	ADV
aijbe-35	186	13	influences	influence	VERB
aijbe-35	186	14	the	the	DET
aijbe-35	186	15	financial	financial	ADJ
aijbe-35	186	16	performance	performance	NOUN
aijbe-35	186	17	of	of	ADP
aijbe-35	186	18	commercial	commercial	ADJ
aijbe-35	186	19	banks	bank	NOUN
aijbe-35	186	20	in	in	ADP
aijbe-35	186	21	nigeria	nigeria	PROPN
aijbe-35	186	22	.	.	PUNCT
aijbe-35	187	1	the	the	DET
aijbe-35	187	2	study	study	NOUN
aijbe-35	187	3	further	far	ADV
aijbe-35	187	4	concludes	conclude	VERB
aijbe-35	187	5	that	that	SCONJ
aijbe-35	187	6	internet	internet	NOUN
aijbe-35	187	7	banking	banking	NOUN
aijbe-35	187	8	positively	positively	ADV
aijbe-35	187	9	and	and	CCONJ
aijbe-35	187	10	significantly	significantly	ADV
aijbe-35	187	11	influences	influence	VERB
aijbe-35	187	12	the	the	DET
aijbe-35	187	13	financial	financial	ADJ
aijbe-35	187	14	performance	performance	NOUN
aijbe-35	187	15	of	of	ADP
aijbe-35	187	16	commercial	commercial	ADJ
aijbe-35	187	17	banks	bank	NOUN
aijbe-35	187	18	in	in	ADP
aijbe-35	187	19	nigeria	nigeria	PROPN
aijbe-35	187	20	.	.	PUNCT
aijbe-35	188	1	deployment	deployment	NOUN
aijbe-35	188	2	of	of	ADP
aijbe-35	188	3	atms	atms	PROPN
aijbe-35	188	4	,	,	PUNCT
aijbe-35	188	5	mobile	mobile	ADJ
aijbe-35	188	6	banking	banking	NOUN
aijbe-35	188	7	and	and	CCONJ
aijbe-35	188	8	internet	internet	NOUN
aijbe-35	188	9	banking	banking	NOUN
aijbe-35	188	10	has	have	AUX
aijbe-35	188	11	enabled	enable	VERB
aijbe-35	188	12	banks	bank	NOUN
aijbe-35	188	13	to	to	PART
aijbe-35	188	14	cut	cut	VERB
aijbe-35	188	15	down	down	ADP
aijbe-35	188	16	on	on	ADP
aijbe-35	188	17	their	their	PRON
aijbe-35	188	18	costs	cost	NOUN
aijbe-35	188	19	for	for	ADP
aijbe-35	188	20	offering	offer	VERB
aijbe-35	188	21	services	service	NOUN
aijbe-35	188	22	to	to	ADP
aijbe-35	188	23	customers	customer	NOUN
aijbe-35	188	24	and	and	CCONJ
aijbe-35	188	25	also	also	ADV
aijbe-35	188	26	to	to	PART
aijbe-35	188	27	expand	expand	VERB
aijbe-35	188	28	their	their	PRON
aijbe-35	188	29	reach	reach	NOUN
aijbe-35	188	30	to	to	ADP
aijbe-35	188	31	a	a	DET
aijbe-35	188	32	wider	wide	ADJ
aijbe-35	188	33	market	market	NOUN
aijbe-35	188	34	(	(	PUNCT
aijbe-35	188	35	sanusi	sanusi	NOUN
aijbe-35	188	36	,	,	PUNCT
aijbe-35	188	37	2010	2010	NUM
aijbe-35	188	38	)	)	PUNCT
aijbe-35	188	39	.	.	PUNCT
aijbe-35	189	1	e	e	X
aijbe-35	189	2	-	-	NOUN
aijbe-35	189	3	banking	banking	NOUN
aijbe-35	189	4	has	have	AUX
aijbe-35	189	5	also	also	ADV
aijbe-35	189	6	enabled	enable	VERB
aijbe-35	189	7	the	the	DET
aijbe-35	189	8	banks	bank	NOUN
aijbe-35	189	9	to	to	PART
aijbe-35	189	10	increase	increase	VERB
aijbe-35	189	11	the	the	DET
aijbe-35	189	12	volumes	volume	NOUN
aijbe-35	189	13	of	of	ADP
aijbe-35	189	14	transactions	transaction	NOUN
aijbe-35	189	15	that	that	PRON
aijbe-35	189	16	can	can	AUX
aijbe-35	189	17	be	be	AUX
aijbe-35	189	18	processed	process	VERB
aijbe-35	189	19	in	in	ADP
aijbe-35	189	20	a	a	DET
aijbe-35	189	21	day	day	NOUN
aijbe-35	189	22	to	to	ADP
aijbe-35	189	23	virtually	virtually	ADV
aijbe-35	189	24	an	an	DET
aijbe-35	189	25	unlimited	unlimited	ADJ
aijbe-35	189	26	number	number	NOUN
aijbe-35	189	27	.	.	PUNCT
aijbe-35	190	1	this	this	PRON
aijbe-35	190	2	works	work	VERB
aijbe-35	190	3	towards	towards	ADP
aijbe-35	190	4	improving	improve	VERB
aijbe-35	190	5	the	the	DET
aijbe-35	190	6	performance	performance	NOUN
aijbe-35	190	7	of	of	ADP
aijbe-35	190	8	the	the	DET
aijbe-35	190	9	banks	bank	NOUN
aijbe-35	190	10	.	.	PUNCT
aijbe-35	191	1	5.2	5.2	NUM
aijbe-35	191	2	recommendations	recommendation	NOUN
aijbe-35	191	3	following	follow	VERB
aijbe-35	191	4	the	the	DET
aijbe-35	191	5	findings	finding	NOUN
aijbe-35	191	6	above	above	ADV
aijbe-35	191	7	,	,	PUNCT
aijbe-35	191	8	it	it	PRON
aijbe-35	191	9	is	be	AUX
aijbe-35	191	10	this	this	DET
aijbe-35	191	11	study	study	NOUN
aijbe-35	191	12	’s	’s	PART
aijbe-35	191	13	recommendation	recommendation	NOUN
aijbe-35	191	14	that	that	SCONJ
aijbe-35	191	15	:	:	PUNCT
aijbe-35	191	16	1	1	X
aijbe-35	191	17	.	.	X
aijbe-35	191	18	there	there	PRON
aijbe-35	191	19	is	be	VERB
aijbe-35	191	20	dire	dire	ADJ
aijbe-35	191	21	need	need	NOUN
aijbe-35	191	22	for	for	SCONJ
aijbe-35	191	23	commercial	commercial	ADJ
aijbe-35	191	24	banks	bank	NOUN
aijbe-35	191	25	to	to	PART
aijbe-35	191	26	increase	increase	VERB
aijbe-35	191	27	their	their	PRON
aijbe-35	191	28	efforts	effort	NOUN
aijbe-35	191	29	towards	towards	ADP
aijbe-35	191	30	adoption	adoption	NOUN
aijbe-35	191	31	of	of	ADP
aijbe-35	191	32	e	e	NOUN
aijbe-35	191	33	-	-	NOUN
aijbe-35	191	34	banking	banking	NOUN
aijbe-35	191	35	to	to	PART
aijbe-35	191	36	automate	automate	VERB
aijbe-35	191	37	their	their	PRON
aijbe-35	191	38	service	service	NOUN
aijbe-35	191	39	delivery	delivery	NOUN
aijbe-35	191	40	to	to	ADP
aijbe-35	191	41	customers	customer	NOUN
aijbe-35	191	42	.	.	PUNCT
aijbe-35	192	1	this	this	PRON
aijbe-35	192	2	follows	follow	VERB
aijbe-35	192	3	the	the	DET
aijbe-35	192	4	positive	positive	ADJ
aijbe-35	192	5	effect	effect	NOUN
aijbe-35	192	6	that	that	SCONJ
aijbe-35	192	7	e	e	NOUN
aijbe-35	192	8	-	-	ADJ
aijbe-35	192	9	banking	banking	ADJ
aijbe-35	192	10	usage	usage	NOUN
aijbe-35	192	11	has	have	AUX
aijbe-35	192	12	on	on	ADP
aijbe-35	192	13	the	the	DET
aijbe-35	192	14	financial	financial	ADJ
aijbe-35	192	15	performance	performance	NOUN
aijbe-35	192	16	of	of	ADP
aijbe-35	192	17	nigeria	nigeria	PROPN
aijbe-35	192	18	’s	’s	PART
aijbe-35	192	19	commercial	commercial	ADJ
aijbe-35	192	20	banks	bank	NOUN
aijbe-35	192	21	as	as	SCONJ
aijbe-35	192	22	noted	note	VERB
aijbe-35	192	23	through	through	ADP
aijbe-35	192	24	the	the	DET
aijbe-35	192	25	study	study	NOUN
aijbe-35	192	26	.	.	PUNCT
aijbe-35	193	1	2	2	X
aijbe-35	193	2	.	.	X
aijbe-35	193	3	the	the	DET
aijbe-35	193	4	banking	banking	NOUN
aijbe-35	193	5	industry	industry	NOUN
aijbe-35	193	6	’s	’s	PART
aijbe-35	193	7	policy	policy	NOUN
aijbe-35	193	8	makers	maker	NOUN
aijbe-35	193	9	and	and	CCONJ
aijbe-35	193	10	regulators	regulator	NOUN
aijbe-35	193	11	also	also	ADV
aijbe-35	193	12	need	need	VERB
aijbe-35	193	13	to	to	PART
aijbe-35	193	14	cogitate	cogitate	VERB
aijbe-35	193	15	on	on	ADP
aijbe-35	193	16	e	e	NOUN
aijbe-35	193	17	-	-	NOUN
aijbe-35	193	18	banking	banking	NOUN
aijbe-35	193	19	as	as	ADP
aijbe-35	193	20	a	a	DET
aijbe-35	193	21	major	major	ADJ
aijbe-35	193	22	input	input	NOUN
aijbe-35	193	23	when	when	SCONJ
aijbe-35	193	24	crafting	craft	VERB
aijbe-35	193	25	guidelines	guideline	NOUN
aijbe-35	193	26	to	to	PART
aijbe-35	193	27	regulate	regulate	VERB
aijbe-35	193	28	the	the	DET
aijbe-35	193	29	industry	industry	NOUN
aijbe-35	193	30	.	.	PUNCT
aijbe-35	194	1	this	this	PRON
aijbe-35	194	2	is	be	AUX
aijbe-35	194	3	as	as	ADP
aijbe-35	194	4	a	a	DET
aijbe-35	194	5	result	result	NOUN
aijbe-35	194	6	of	of	ADP
aijbe-35	194	7	the	the	DET
aijbe-35	194	8	major	major	ADJ
aijbe-35	194	9	influence	influence	NOUN
aijbe-35	194	10	that	that	PRON
aijbe-35	194	11	technology	technology	NOUN
aijbe-35	194	12	has	have	VERB
aijbe-35	194	13	on	on	ADP
aijbe-35	194	14	the	the	DET
aijbe-35	194	15	performance	performance	NOUN
aijbe-35	194	16	of	of	ADP
aijbe-35	194	17	the	the	DET
aijbe-35	194	18	commercial	commercial	ADJ
aijbe-35	194	19	banks	bank	NOUN
aijbe-35	194	20	.	.	PUNCT
aijbe-35	195	1	as	as	SCONJ
aijbe-35	195	2	the	the	DET
aijbe-35	195	3	country	country	NOUN
aijbe-35	195	4	continues	continue	VERB
aijbe-35	195	5	to	to	PART
aijbe-35	195	6	take	take	VERB
aijbe-35	195	7	on	on	ADP
aijbe-35	195	8	developing	develop	VERB
aijbe-35	195	9	partners	partner	NOUN
aijbe-35	195	10	to	to	PART
aijbe-35	195	11	accentuate	accentuate	VERB
aijbe-35	195	12	its	its	PRON
aijbe-35	195	13	technological	technological	ADJ
aijbe-35	195	14	capacity	capacity	NOUN
aijbe-35	195	15	,	,	PUNCT
aijbe-35	195	16	banks	bank	NOUN
aijbe-35	195	17	will	will	AUX
aijbe-35	195	18	continue	continue	VERB
aijbe-35	195	19	to	to	PART
aijbe-35	195	20	increasingly	increasingly	ADV
aijbe-35	195	21	leverage	leverage	VERB
aijbe-35	195	22	on	on	ADP
aijbe-35	195	23	technology	technology	NOUN
aijbe-35	195	24	to	to	PART
aijbe-35	195	25	improve	improve	VERB
aijbe-35	195	26	their	their	PRON
aijbe-35	195	27	performance	performance	NOUN
aijbe-35	195	28	notwithstanding	notwithstanding	ADP
aijbe-35	195	29	the	the	DET
aijbe-35	195	30	risks	risk	NOUN
aijbe-35	195	31	associated	associate	VERB
aijbe-35	195	32	3	3	X
aijbe-35	195	33	.	.	PUNCT
aijbe-35	196	1	the	the	DET
aijbe-35	196	2	study	study	NOUN
aijbe-35	196	3	further	far	ADV
aijbe-35	196	4	recommends	recommend	VERB
aijbe-35	196	5	that	that	SCONJ
aijbe-35	196	6	commercial	commercial	ADJ
aijbe-35	196	7	banks	bank	NOUN
aijbe-35	196	8	keep	keep	VERB
aijbe-35	196	9	embracing	embrace	VERB
aijbe-35	196	10	the	the	DET
aijbe-35	196	11	use	use	NOUN
aijbe-35	196	12	of	of	ADP
aijbe-35	196	13	mobile	mobile	ADJ
aijbe-35	196	14	banking	banking	NOUN
aijbe-35	196	15	in	in	ADP
aijbe-35	196	16	their	their	PRON
aijbe-35	196	17	day	day	NOUN
aijbe-35	196	18	to	to	ADP
aijbe-35	196	19	day	day	NOUN
aijbe-35	196	20	operations	operation	NOUN
aijbe-35	196	21	because	because	SCONJ
aijbe-35	196	22	the	the	DET
aijbe-35	196	23	population	population	NOUN
aijbe-35	196	24	of	of	ADP
aijbe-35	196	25	people	people	NOUN
aijbe-35	196	26	with	with	ADP
aijbe-35	196	27	access	access	NOUN
aijbe-35	196	28	to	to	ADP
aijbe-35	196	29	a	a	DET
aijbe-35	196	30	cell	cell	NOUN
aijbe-35	196	31	phone	phone	NOUN
aijbe-35	196	32	keeps	keep	VERB
aijbe-35	196	33	swelling	swell	VERB
aijbe-35	196	34	every	every	DET
aijbe-35	196	35	muhammad	muhammad	PROPN
aijbe-35	196	36	aminu	aminu	PROPN
aijbe-35	196	37	isa	isa	PROPN
aijbe-35	196	38	(	(	PUNCT
aijbe-35	196	39	2023	2023	NUM
aijbe-35	196	40	)	)	PUNCT
aijbe-35	196	41	american	american	ADJ
aijbe-35	196	42	interdisciplinary	interdisciplinary	ADJ
aijbe-35	196	43	journal	journal	NOUN
aijbe-35	196	44	of	of	ADP
aijbe-35	196	45	business	business	NOUN
aijbe-35	196	46	and	and	CCONJ
aijbe-35	196	47	economics	economic	NOUN
aijbe-35	196	48	|	|	ADV
aijbe-35	196	49	62	62	NUM
aijbe-35	197	1	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADJ
aijbe-35	197	2	day	day	NOUN
aijbe-35	197	3	.	.	PUNCT
aijbe-35	198	1	the	the	DET
aijbe-35	198	2	banks	bank	NOUN
aijbe-35	198	3	should	should	AUX
aijbe-35	198	4	keep	keep	VERB
aijbe-35	198	5	working	work	VERB
aijbe-35	198	6	in	in	ADP
aijbe-35	198	7	tandem	tandem	NOUN
aijbe-35	198	8	with	with	ADP
aijbe-35	198	9	mobile	mobile	ADJ
aijbe-35	198	10	network	network	NOUN
aijbe-35	198	11	companies	company	NOUN
aijbe-35	198	12	to	to	PART
aijbe-35	198	13	craft	craft	VERB
aijbe-35	198	14	innovative	innovative	ADJ
aijbe-35	198	15	services	service	NOUN
aijbe-35	198	16	that	that	PRON
aijbe-35	198	17	are	be	AUX
aijbe-35	198	18	tailored	tailor	VERB
aijbe-35	198	19	to	to	ADP
aijbe-35	198	20	their	their	PRON
aijbe-35	198	21	targeted	target	VERB
aijbe-35	198	22	market	market	NOUN
aijbe-35	198	23	.	.	PUNCT
aijbe-35	199	1	suggestions	suggestion	NOUN
aijbe-35	199	2	for	for	ADP
aijbe-35	199	3	further	further	ADJ
aijbe-35	199	4	research	research	NOUN
aijbe-35	199	5	1	1	NUM
aijbe-35	199	6	.	.	PUNCT
aijbe-35	200	1	the	the	DET
aijbe-35	200	2	banking	banking	NOUN
aijbe-35	200	3	industry	industry	NOUN
aijbe-35	200	4	has	have	VERB
aijbe-35	200	5	other	other	ADJ
aijbe-35	200	6	players	player	NOUN
aijbe-35	200	7	in	in	ADP
aijbe-35	200	8	addition	addition	NOUN
aijbe-35	200	9	to	to	ADP
aijbe-35	200	10	commercial	commercial	ADJ
aijbe-35	200	11	banks	bank	NOUN
aijbe-35	200	12	.	.	PUNCT
aijbe-35	201	1	this	this	DET
aijbe-35	201	2	study	study	NOUN
aijbe-35	201	3	was	be	AUX
aijbe-35	201	4	centered	center	VERB
aijbe-35	201	5	on	on	ADP
aijbe-35	201	6	only	only	ADV
aijbe-35	201	7	the	the	DET
aijbe-35	201	8	registered	register	VERB
aijbe-35	201	9	commercial	commercial	ADJ
aijbe-35	201	10	banks	bank	NOUN
aijbe-35	201	11	and	and	CCONJ
aijbe-35	201	12	excluded	exclude	VERB
aijbe-35	201	13	mortgage	mortgage	NOUN
aijbe-35	201	14	finance	finance	NOUN
aijbe-35	201	15	companies	company	NOUN
aijbe-35	201	16	,	,	PUNCT
aijbe-35	201	17	bank	bank	NOUN
aijbe-35	201	18	of	of	ADP
aijbe-35	201	19	industry	industry	NOUN
aijbe-35	201	20	,	,	PUNCT
aijbe-35	201	21	bank	bank	NOUN
aijbe-35	201	22	of	of	ADP
aijbe-35	201	23	agriculture	agriculture	NOUN
aijbe-35	201	24	,	,	PUNCT
aijbe-35	201	25	cash	cash	NOUN
aijbe-35	201	26	remittance	remittance	NOUN
aijbe-35	201	27	providers	provider	NOUN
aijbe-35	201	28	,	,	PUNCT
aijbe-35	201	29	credit	credit	NOUN
aijbe-35	201	30	reference	reference	NOUN
aijbe-35	201	31	bureaus	bureaus	NOUN
aijbe-35	201	32	,	,	PUNCT
aijbe-35	201	33	microfinance	microfinance	NOUN
aijbe-35	201	34	banks	bank	NOUN
aijbe-35	201	35	,	,	PUNCT
aijbe-35	201	36	foreign	foreign	ADJ
aijbe-35	201	37	banks	bank	NOUN
aijbe-35	201	38	representation	representation	NOUN
aijbe-35	201	39	offices	office	NOUN
aijbe-35	201	40	and	and	CCONJ
aijbe-35	201	41	foreign	foreign	ADJ
aijbe-35	201	42	exchange	exchange	NOUN
aijbe-35	201	43	bureaus	bureaus	NOUN
aijbe-35	201	44	.	.	PUNCT
aijbe-35	202	1	it	it	PRON
aijbe-35	202	2	is	be	AUX
aijbe-35	202	3	this	this	DET
aijbe-35	202	4	studies	study	NOUN
aijbe-35	202	5	recommendation	recommendation	NOUN
aijbe-35	202	6	that	that	SCONJ
aijbe-35	202	7	research	research	NOUN
aijbe-35	202	8	be	be	AUX
aijbe-35	202	9	carried	carry	VERB
aijbe-35	202	10	out	out	ADP
aijbe-35	202	11	on	on	ADP
aijbe-35	202	12	the	the	DET
aijbe-35	202	13	other	other	ADJ
aijbe-35	202	14	players	player	NOUN
aijbe-35	202	15	in	in	ADP
aijbe-35	202	16	the	the	DET
aijbe-35	202	17	banking	banking	NOUN
aijbe-35	202	18	industry	industry	NOUN
aijbe-35	202	19	to	to	PART
aijbe-35	202	20	determine	determine	VERB
aijbe-35	202	21	effect	effect	NOUN
aijbe-35	202	22	of	of	ADP
aijbe-35	202	23	electronic	electronic	ADJ
aijbe-35	202	24	banking	banking	NOUN
aijbe-35	202	25	on	on	ADP
aijbe-35	202	26	the	the	DET
aijbe-35	202	27	whole	whole	ADJ
aijbe-35	202	28	banking	banking	NOUN
aijbe-35	202	29	industry	industry	NOUN
aijbe-35	202	30	in	in	ADP
aijbe-35	202	31	nigeria	nigeria	PROPN
aijbe-35	202	32	2	2	NUM
aijbe-35	202	33	.	.	PUNCT
aijbe-35	203	1	the	the	DET
aijbe-35	203	2	study	study	NOUN
aijbe-35	203	3	also	also	ADV
aijbe-35	203	4	recommends	recommend	VERB
aijbe-35	203	5	that	that	SCONJ
aijbe-35	203	6	research	research	NOUN
aijbe-35	203	7	be	be	AUX
aijbe-35	203	8	carried	carry	VERB
aijbe-35	203	9	out	out	ADP
aijbe-35	203	10	on	on	ADP
aijbe-35	203	11	the	the	DET
aijbe-35	203	12	effect	effect	NOUN
aijbe-35	203	13	of	of	ADP
aijbe-35	203	14	ebanking	ebanke	VERB
aijbe-35	203	15	on	on	ADP
aijbe-35	203	16	the	the	DET
aijbe-35	203	17	performance	performance	NOUN
aijbe-35	203	18	of	of	ADP
aijbe-35	203	19	commercial	commercial	ADJ
aijbe-35	203	20	banks	bank	NOUN
aijbe-35	203	21	in	in	ADP
aijbe-35	203	22	other	other	ADJ
aijbe-35	203	23	countries	country	NOUN
aijbe-35	203	24	within	within	ADP
aijbe-35	203	25	west	west	PROPN
aijbe-35	203	26	africa	africa	PROPN
aijbe-35	203	27	.	.	PUNCT
aijbe-35	204	1	most	most	ADJ
aijbe-35	204	2	of	of	ADP
aijbe-35	204	3	the	the	DET
aijbe-35	204	4	major	major	ADJ
aijbe-35	204	5	commercial	commercial	ADJ
aijbe-35	204	6	banks	bank	NOUN
aijbe-35	204	7	in	in	ADP
aijbe-35	204	8	nigeria	nigeria	PROPN
aijbe-35	204	9	have	have	AUX
aijbe-35	204	10	expanded	expand	VERB
aijbe-35	204	11	into	into	ADP
aijbe-35	204	12	the	the	DET
aijbe-35	204	13	neighboring	neighboring	NOUN
aijbe-35	204	14	countries	country	NOUN
aijbe-35	204	15	and	and	CCONJ
aijbe-35	204	16	such	such	DET
aijbe-35	204	17	a	a	DET
aijbe-35	204	18	research	research	NOUN
aijbe-35	204	19	will	will	AUX
aijbe-35	204	20	benefit	benefit	VERB
aijbe-35	204	21	them	they	PRON
aijbe-35	204	22	to	to	PART
aijbe-35	204	23	focus	focus	VERB
aijbe-35	204	24	their	their	PRON
aijbe-35	204	25	strategies	strategy	NOUN
aijbe-35	204	26	for	for	ADP
aijbe-35	204	27	increasing	increase	VERB
aijbe-35	204	28	their	their	PRON
aijbe-35	204	29	returns	return	NOUN
aijbe-35	204	30	in	in	ADP
aijbe-35	204	31	the	the	DET
aijbe-35	204	32	external	external	ADJ
aijbe-35	204	33	market	market	NOUN
aijbe-35	204	34	3	3	X
aijbe-35	204	35	.	.	PUNCT
aijbe-35	205	1	in	in	ADP
aijbe-35	205	2	addition	addition	NOUN
aijbe-35	205	3	,	,	PUNCT
aijbe-35	205	4	the	the	DET
aijbe-35	205	5	study	study	NOUN
aijbe-35	205	6	proposes	propose	VERB
aijbe-35	205	7	that	that	SCONJ
aijbe-35	205	8	research	research	NOUN
aijbe-35	205	9	be	be	AUX
aijbe-35	205	10	done	do	VERB
aijbe-35	205	11	in	in	ADP
aijbe-35	205	12	nigeria	nigeria	PROPN
aijbe-35	205	13	on	on	ADP
aijbe-35	205	14	the	the	DET
aijbe-35	205	15	influence	influence	NOUN
aijbe-35	205	16	of	of	ADP
aijbe-35	205	17	e	e	NOUN
aijbe-35	205	18	-	-	NOUN
aijbe-35	205	19	banking	banking	NOUN
aijbe-35	205	20	on	on	ADP
aijbe-35	205	21	the	the	DET
aijbe-35	205	22	growth	growth	NOUN
aijbe-35	205	23	of	of	ADP
aijbe-35	205	24	the	the	DET
aijbe-35	205	25	country	country	NOUN
aijbe-35	205	26	’s	’s	PART
aijbe-35	205	27	real	real	ADJ
aijbe-35	205	28	gross	gross	ADJ
aijbe-35	205	29	domestic	domestic	ADJ
aijbe-35	205	30	product	product	NOUN
aijbe-35	205	31	in	in	ADP
aijbe-35	205	32	order	order	NOUN
aijbe-35	205	33	to	to	PART
aijbe-35	205	34	establish	establish	VERB
aijbe-35	205	35	the	the	DET
aijbe-35	205	36	residual	residual	ADJ
aijbe-35	205	37	effect	effect	NOUN
aijbe-35	205	38	of	of	ADP
aijbe-35	205	39	e	e	NOUN
aijbe-35	205	40	-	-	NOUN
aijbe-35	205	41	banking	banking	NOUN
aijbe-35	205	42	on	on	ADP
aijbe-35	205	43	nigeria	nigeria	PROPN
aijbe-35	205	44	’s	’s	PART
aijbe-35	205	45	economy	economy	NOUN
aijbe-35	205	46	.	.	PUNCT
aijbe-35	206	1	this	this	PRON
aijbe-35	206	2	will	will	AUX
aijbe-35	206	3	enable	enable	VERB
aijbe-35	206	4	the	the	DET
aijbe-35	206	5	banks	bank	NOUN
aijbe-35	206	6	and	and	CCONJ
aijbe-35	206	7	government	government	NOUN
aijbe-35	206	8	understands	understand	VERB
aijbe-35	206	9	how	how	SCONJ
aijbe-35	206	10	ebanking	ebanking	ADJ
aijbe-35	206	11	usage	usage	NOUN
aijbe-35	206	12	translates	translate	VERB
aijbe-35	206	13	to	to	ADP
aijbe-35	206	14	the	the	DET
aijbe-35	206	15	country	country	NOUN
aijbe-35	206	16	’s	’s	PART
aijbe-35	206	17	economic	economic	ADJ
aijbe-35	206	18	performance	performance	NOUN
aijbe-35	206	19	instead	instead	ADV
aijbe-35	206	20	of	of	ADP
aijbe-35	206	21	looking	look	VERB
aijbe-35	206	22	at	at	ADP
aijbe-35	206	23	its	its	PRON
aijbe-35	206	24	benefits	benefit	NOUN
aijbe-35	206	25	in	in	ADP
aijbe-35	206	26	isolation	isolation	NOUN
aijbe-35	206	27	.	.	PUNCT
aijbe-35	207	1	references	reference	NOUN
aijbe-35	207	2	.	.	PUNCT
aijbe-35	208	1	abaenewe	abaenewe	PROPN
aijbe-35	208	2	,	,	PUNCT
aijbe-35	208	3	z.c	z.c	PROPN
aijbe-35	208	4	.	.	PROPN
aijbe-35	208	5	,	,	PUNCT
aijbe-35	208	6	ogbulu	ogbulu	ADJ
aijbe-35	208	7	,	,	PUNCT
aijbe-35	208	8	o.m	o.m	PROPN
aijbe-35	208	9	.	.	PROPN
aijbe-35	208	10	,	,	PUNCT
aijbe-35	208	11	&	&	CCONJ
aijbe-35	208	12	ndugbu	ndugbu	X
aijbe-35	208	13	,	,	PUNCT
aijbe-35	208	14	m.o	m.o	PROPN
aijbe-35	208	15	.	.	PROPN
aijbe-35	208	16	(	(	PUNCT
aijbe-35	208	17	2013	2013	NUM
aijbe-35	208	18	)	)	PUNCT
aijbe-35	208	19	.	.	PUNCT
aijbe-35	209	1	electronic	electronic	ADJ
aijbe-35	209	2	banking	banking	NOUN
aijbe-35	209	3	and	and	CCONJ
aijbe-35	209	4	bank	bank	NOUN
aijbe-35	209	5	performance	performance	NOUN
aijbe-35	209	6	in	in	ADP
aijbe-35	209	7	nigeria.west	nigeria.west	ADJ
aijbe-35	209	8	african	african	ADJ
aijbe-35	209	9	journal	journal	NOUN
aijbe-35	209	10	of	of	ADP
aijbe-35	209	11	industrial	industrial	ADJ
aijbe-35	209	12	and	and	CCONJ
aijbe-35	209	13	academic	academic	ADJ
aijbe-35	209	14	research	research	NOUN
aijbe-35	209	15	,	,	PUNCT
aijbe-35	209	16	6(1	6(1	NUM
aijbe-35	209	17	)	)	PUNCT
aijbe-35	209	18	,	,	PUNCT
aijbe-35	209	19	171	171	NUM
aijbe-35	209	20	-	-	SYM
aijbe-35	209	21	187	187	NUM
aijbe-35	209	22	.	.	PUNCT
aijbe-35	210	1	agboola	agboola	PROPN
aijbe-35	210	2	,	,	PUNCT
aijbe-35	210	3	a.	a.	NOUN
aijbe-35	210	4	(	(	PUNCT
aijbe-35	210	5	2006	2006	NUM
aijbe-35	210	6	)	)	PUNCT
aijbe-35	210	7	.	.	PUNCT
aijbe-35	211	1	information	information	NOUN
aijbe-35	211	2	and	and	CCONJ
aijbe-35	211	3	communication	communication	NOUN
aijbe-35	211	4	technology	technology	NOUN
aijbe-35	211	5	(	(	PUNCT
aijbe-35	211	6	ict	ict	PROPN
aijbe-35	211	7	)	)	PUNCT
aijbe-35	211	8	in	in	ADP
aijbe-35	211	9	banking	banking	NOUN
aijbe-35	211	10	operations	operation	NOUN
aijbe-35	211	11	in	in	ADP
aijbe-35	211	12	nigeria	nigeria	PROPN
aijbe-35	211	13	:	:	PUNCT
aijbe-35	211	14	an	an	DET
aijbe-35	211	15	evaluation	evaluation	NOUN
aijbe-35	211	16	of	of	ADP
aijbe-35	211	17	recent	recent	ADJ
aijbe-35	211	18	experiences	experience	NOUN
aijbe-35	211	19	.	.	PUNCT
aijbe-35	212	1	retrieved	retrieve	VERB
aijbe-35	212	2	from	from	ADP
aijbe-35	212	3	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan02	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan02	NOUN
aijbe-35	212	4	6533	6533	NUM
aijbe-35	212	5	agwu	agwu	NOUN
aijbe-35	212	6	,	,	PUNCT
aijbe-35	212	7	e.	e.	PROPN
aijbe-35	212	8	m.	m.	PROPN
aijbe-35	212	9	,	,	PUNCT
aijbe-35	212	10	&	&	CCONJ
aijbe-35	212	11	carter	carter	PROPN
aijbe-35	212	12	,	,	PUNCT
aijbe-35	212	13	a.	a.	PROPN
aijbe-35	212	14	l.	l.	PROPN
aijbe-35	212	15	(	(	PUNCT
aijbe-35	212	16	2014	2014	NUM
aijbe-35	212	17	)	)	PUNCT
aijbe-35	212	18	.	.	PUNCT
aijbe-35	213	1	mobile	mobile	ADJ
aijbe-35	213	2	phone	phone	NOUN
aijbe-35	213	3	banking	banking	NOUN
aijbe-35	213	4	in	in	ADP
aijbe-35	213	5	nigeria	nigeria	PROPN
aijbe-35	213	6	:	:	PUNCT
aijbe-35	213	7	benefits	benefit	NOUN
aijbe-35	213	8	,	,	PUNCT
aijbe-35	213	9	problems	problem	NOUN
aijbe-35	213	10	and	and	CCONJ
aijbe-35	213	11	prospects	prospect	NOUN
aijbe-35	213	12	.	.	PUNCT
aijbe-35	214	1	international	international	ADJ
aijbe-35	214	2	journal	journal	PROPN
aijbe-35	214	3	of	of	ADP
aijbe-35	214	4	business	business	NOUN
aijbe-35	214	5	and	and	CCONJ
aijbe-35	214	6	commerce	commerce	PROPN
aijbe-35	214	7	,	,	PUNCT
aijbe-35	214	8	3(6	3(6	NUM
aijbe-35	214	9	)	)	PUNCT
aijbe-35	214	10	50-70.an	50-70.an	NUM
aijbe-35	214	11	integrated	integrate	VERB
aijbe-35	214	12	model	model	NOUN
aijbe-35	214	13	.	.	PUNCT
aijbe-35	214	14	mis	mis	PROPN
aijbe-35	214	15	quarterly,27(1	quarterly,27(1	PROPN
aijbe-35	214	16	)	)	PUNCT
aijbe-35	214	17	,	,	PUNCT
aijbe-35	214	18	51	51	NUM
aijbe-35	214	19	-	-	SYM
aijbe-35	214	20	90	90	NUM
aijbe-35	214	21	.	.	PUNCT
aijbe-35	214	22	arnaboldi	arnaboldi	PROPN
aijbe-35	214	23	,	,	PUNCT
aijbe-35	214	24	f.	f.	PROPN
aijbe-35	214	25	&	&	CCONJ
aijbe-35	214	26	claeys	claeys	PROPN
aijbe-35	214	27	,	,	PUNCT
aijbe-35	214	28	p.	p.	NOUN
aijbe-35	214	29	(	(	PUNCT
aijbe-35	214	30	2010	2010	NUM
aijbe-35	214	31	)	)	PUNCT
aijbe-35	214	32	.	.	PUNCT
aijbe-35	215	1	innovation	innovation	NOUN
aijbe-35	215	2	and	and	CCONJ
aijbe-35	215	3	performance	performance	NOUN
aijbe-35	215	4	of	of	ADP
aijbe-35	215	5	european	european	ADJ
aijbe-35	215	6	banks	bank	NOUN
aijbe-35	215	7	adopting	adopt	VERB
aijbe-35	215	8	internet	internet	NOUN
aijbe-35	215	9	.	.	PUNCT
aijbe-35	216	1	london	london	PROPN
aijbe-35	216	2	:	:	PUNCT
aijbe-35	216	3	centre	centre	NOUN
aijbe-35	216	4	for	for	ADP
aijbe-35	216	5	banking	banking	NOUN
aijbe-35	216	6	research	research	NOUN
aijbe-35	216	7	.	.	PUNCT
aijbe-35	217	1	business	business	NOUN
aijbe-35	217	2	school	school	PROPN
aijbe-35	217	3	,	,	PUNCT
aijbe-35	217	4	city	city	NOUN
aijbe-35	217	5	asikhia	asikhia	NOUN
aijbe-35	217	6	,	,	PUNCT
aijbe-35	217	7	o.	o.	PROPN
aijbe-35	217	8	&	&	CCONJ
aijbe-35	217	9	sokefun	sokefun	PROPN
aijbe-35	217	10	,	,	PUNCT
aijbe-35	217	11	a.	a.	NOUN
aijbe-35	217	12	(	(	PUNCT
aijbe-35	217	13	2013	2013	NUM
aijbe-35	217	14	)	)	PUNCT
aijbe-35	217	15	.	.	PUNCT
aijbe-35	218	1	capital	capital	NOUN
aijbe-35	218	2	adequacy	adequacy	NOUN
aijbe-35	218	3	and	and	CCONJ
aijbe-35	218	4	banks	bank	NOUN
aijbe-35	218	5	’	'	PUNCT
aijbe-35	218	6	profitability	profitability	NOUN
aijbe-35	218	7	.	.	PUNCT
aijbe-35	219	1	empirical	empirical	ADJ
aijbe-35	219	2	evidence	evidence	NOUN
aijbe-35	219	3	from	from	ADP
aijbe-35	219	4	nigeria	nigeria	PROPN
aijbe-35	219	5	.	.	PUNCT
aijbe-35	220	1	american	american	PROPN
aijbe-35	220	2	international	international	PROPN
aijbe-35	220	3	journal	journal	PROPN
aijbe-35	220	4	of	of	ADP
aijbe-35	220	5	contemporary	contemporary	PROPN
aijbe-35	220	6	research	research	PROPN
aijbe-35	220	7	,	,	PUNCT
aijbe-35	220	8	3(10	3(10	NUM
aijbe-35	220	9	)	)	PUNCT
aijbe-35	220	10	,	,	PUNCT
aijbe-35	220	11	91	91	NUM
aijbe-35	220	12	-	-	SYM
aijbe-35	220	13	92	92	NUM
aijbe-35	220	14	.	.	PUNCT
aijbe-35	221	1	atm	atm	PROPN
aijbe-35	221	2	standards	standard	NOUN
aijbe-35	221	3	and	and	CCONJ
aijbe-35	221	4	guidelines	guideline	NOUN
aijbe-35	221	5	(	(	PUNCT
aijbe-35	221	6	2010	2010	NUM
aijbe-35	221	7	)	)	PUNCT
aijbe-35	221	8	http://www.cbn.gov.ng	http://www.cbn.gov.ng	NOUN
aijbe-35	221	9	.	.	PUNCT
aijbe-35	222	1	berger	berger	PROPN
aijbe-35	222	2	,	,	PUNCT
aijbe-35	222	3	a.	a.	PROPN
aijbe-35	222	4	n.	n.	PROPN
aijbe-35	222	5	(	(	PUNCT
aijbe-35	222	6	2003	2003	NUM
aijbe-35	222	7	)	)	PUNCT
aijbe-35	222	8	.	.	PUNCT
aijbe-35	223	1	the	the	DET
aijbe-35	223	2	economic	economic	ADJ
aijbe-35	223	3	effects	effect	NOUN
aijbe-35	223	4	of	of	ADP
aijbe-35	223	5	technological	technological	ADJ
aijbe-35	223	6	progress	progress	NOUN
aijbe-35	223	7	:	:	PUNCT
aijbe-35	223	8	evidence	evidence	NOUN
aijbe-35	223	9	from	from	ADP
aijbe-35	223	10	the	the	DET
aijbe-35	223	11	banking	banking	NOUN
aijbe-35	223	12	industry	industry	NOUN
aijbe-35	223	13	.	.	PUNCT
aijbe-35	224	1	journal	journal	NOUN
aijbe-35	224	2	of	of	ADP
aijbe-35	224	3	money	money	NOUN
aijbe-35	224	4	,	,	PUNCT
aijbe-35	224	5	credit	credit	NOUN
aijbe-35	224	6	and	and	CCONJ
aijbe-35	224	7	banking,35(2	banking,35(2	PROPN
aijbe-35	224	8	)	)	PUNCT
aijbe-35	224	9	,	,	PUNCT
aijbe-35	224	10	141	141	NUM
aijbe-35	224	11	-	-	SYM
aijbe-35	224	12	76	76	NUM
aijbe-35	224	13	.	.	PUNCT
aijbe-35	225	1	centeno	centeno	PROPN
aijbe-35	225	2	,	,	PUNCT
aijbe-35	225	3	c.	c.	PROPN
aijbe-35	225	4	(	(	PUNCT
aijbe-35	225	5	2004	2004	NUM
aijbe-35	225	6	)	)	PUNCT
aijbe-35	225	7	.	.	PUNCT
aijbe-35	226	1	adoption	adoption	NOUN
aijbe-35	226	2	of	of	ADP
aijbe-35	226	3	internet	internet	NOUN
aijbe-35	226	4	services	service	NOUN
aijbe-35	226	5	in	in	ADP
aijbe-35	226	6	the	the	DET
aijbe-35	226	7	acceding	accede	VERB
aijbe-35	226	8	and	and	CCONJ
aijbe-35	226	9	candidate	candidate	NOUN
aijbe-35	226	10	countries	country	NOUN
aijbe-35	226	11	,	,	PUNCT
aijbe-35	226	12	lessons	lesson	NOUN
aijbe-35	226	13	from	from	ADP
aijbe-35	226	14	the	the	DET
aijbe-35	226	15	internet	internet	NOUN
aijbe-35	226	16	banking	banking	NOUN
aijbe-35	226	17	case	case	NOUN
aijbe-35	226	18	.	.	PUNCT
aijbe-35	227	1	telematics	telematic	NOUN
aijbe-35	227	2	and	and	CCONJ
aijbe-35	227	3	informatics,21	informatics,21	NOUN
aijbe-35	227	4	,	,	PUNCT
aijbe-35	227	5	293	293	NUM
aijbe-35	227	6	-	-	SYM
aijbe-35	227	7	315	315	NUM
aijbe-35	227	8	.	.	PUNCT
aijbe-35	228	1	central	central	ADJ
aijbe-35	228	2	bank	bank	PROPN
aijbe-35	228	3	of	of	ADP
aijbe-35	228	4	nigeria	nigeria	PROPN
aijbe-35	228	5	.	.	PUNCT
aijbe-35	229	1	(	(	PUNCT
aijbe-35	229	2	2017	2017	NUM
aijbe-35	229	3	)	)	PUNCT
aijbe-35	229	4	.	.	PUNCT
aijbe-35	230	1	bank	bank	NOUN
aijbe-35	230	2	supervision	supervision	PROPN
aijbe-35	230	3	annual	annual	ADJ
aijbe-35	230	4	report	report	NOUN
aijbe-35	230	5	.	.	PUNCT
aijbe-35	231	1	retrieved	retrieve	VERB
aijbe-35	231	2	from	from	ADP
aijbe-35	231	3	https://www.cbn.gov.ng/images/docs/bank%20supervision%20reports/a	https://www.cbn.gov.ng/images/docs/bank%20supervision%20reports/a	PROPN
aijbe-35	231	4	nnual%20reports/2014bsannualreport.pdf	nnual%20reports/2014bsannualreport.pdf	PROPN
aijbe-35	231	5	chaven	chaven	NOUN
aijbe-35	231	6	,	,	PUNCT
aijbe-35	231	7	j.	j.	PROPN
aijbe-35	231	8	(	(	PUNCT
aijbe-35	231	9	2013	2013	NUM
aijbe-35	231	10	)	)	PUNCT
aijbe-35	231	11	.	.	PUNCT
aijbe-35	232	1	internet	internet	NOUN
aijbe-35	232	2	bankingbenefits	bankingbenefit	NOUN
aijbe-35	232	3	and	and	CCONJ
aijbe-35	232	4	challenges	challenge	NOUN
aijbe-35	232	5	in	in	ADP
aijbe-35	232	6	an	an	DET
aijbe-35	232	7	emerging	emerge	VERB
aijbe-35	232	8	economy	economy	NOUN
aijbe-35	232	9	.	.	PUNCT
aijbe-35	233	1	international	international	ADJ
aijbe-35	233	2	journal	journal	PROPN
aijbe-35	233	3	of	of	ADP
aijbe-35	233	4	research	research	NOUN
aijbe-35	233	5	in	in	ADP
aijbe-35	233	6	business	business	NOUN
aijbe-35	233	7	management	management	NOUN
aijbe-35	233	8	,	,	PUNCT
aijbe-35	233	9	1(1	1(1	NUM
aijbe-35	233	10	)	)	PUNCT
aijbe-35	233	11	19	19	NUM
aijbe-35	233	12	-	-	SYM
aijbe-35	233	13	26	26	NUM
aijbe-35	233	14	.	.	PUNCT
aijbe-35	234	1	delgado	delgado	PROPN
aijbe-35	234	2	,	,	PUNCT
aijbe-35	234	3	j.	j.	PROPN
aijbe-35	234	4	,	,	PUNCT
aijbe-35	234	5	hernando	hernando	PROPN
aijbe-35	234	6	,	,	PUNCT
aijbe-35	234	7	i.	i.	PROPN
aijbe-35	234	8	&	&	CCONJ
aijbe-35	234	9	nieto	nieto	PROPN
aijbe-35	234	10	,	,	PUNCT
aijbe-35	234	11	m.	m.	PROPN
aijbe-35	234	12	j.	j.	PROPN
aijbe-35	234	13	(	(	PUNCT
aijbe-35	234	14	2007	2007	NUM
aijbe-35	234	15	)	)	PUNCT
aijbe-35	234	16	.	.	PUNCT
aijbe-35	235	1	do	do	AUX
aijbe-35	235	2	european	european	PROPN
aijbe-35	235	3	primarily	primarily	ADV
aijbe-35	235	4	internet	internet	NOUN
aijbe-35	235	5	banks	bank	NOUN
aijbe-35	235	6	show	show	VERB
aijbe-35	235	7	scale	scale	NOUN
aijbe-35	235	8	and	and	CCONJ
aijbe-35	235	9	experience	experience	NOUN
aijbe-35	235	10	efficiencies	efficiency	NOUN
aijbe-35	235	11	?	?	PUNCT
aijbe-35	236	1	european	european	PROPN
aijbe-35	236	2	financial	financial	PROPN
aijbe-35	236	3	management,13(4	management,13(4	PROPN
aijbe-35	236	4	)	)	PUNCT
aijbe-35	236	5	,	,	PUNCT
aijbe-35	236	6	643	643	NUM
aijbe-35	236	7	-	-	SYM
aijbe-35	236	8	671	671	NUM
aijbe-35	236	9	.	.	PUNCT
aijbe-35	237	1	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	PROPN
aijbe-35	237	2	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	PROPN
aijbe-35	237	3	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	PROPN
aijbe-35	237	4	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	PROPN
aijbe-35	237	5	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	http://unpan1.un.org/intradoc/groups/public/documents/aapam/unpan026533.pdf	PROPN
aijbe-35	237	6	muhammad	muhammad	PROPN
aijbe-35	237	7	aminu	aminu	PROPN
aijbe-35	237	8	isa	isa	PROPN
aijbe-35	237	9	(	(	PUNCT
aijbe-35	237	10	2023	2023	NUM
aijbe-35	237	11	)	)	PUNCT
aijbe-35	237	12	american	american	ADJ
aijbe-35	237	13	interdisciplinary	interdisciplinary	ADJ
aijbe-35	237	14	journal	journal	NOUN
aijbe-35	237	15	of	of	ADP
aijbe-35	237	16	business	business	NOUN
aijbe-35	237	17	and	and	CCONJ
aijbe-35	237	18	economics	economic	NOUN
aijbe-35	237	19	|	|	ADV
aijbe-35	237	20	63	63	NUM
aijbe-35	237	21	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	ADJ
aijbe-35	237	22	deyoung	deyoung	PROPN
aijbe-35	237	23	,	,	PUNCT
aijbe-35	237	24	r.	r.	PROPN
aijbe-35	237	25	(	(	PUNCT
aijbe-35	237	26	2005	2005	NUM
aijbe-35	237	27	)	)	PUNCT
aijbe-35	237	28	.	.	PUNCT
aijbe-35	238	1	the	the	DET
aijbe-35	238	2	performance	performance	NOUN
aijbe-35	238	3	of	of	ADP
aijbe-35	238	4	internet	internet	NOUN
aijbe-35	238	5	-	-	PUNCT
aijbe-35	238	6	based	base	VERB
aijbe-35	238	7	business	business	NOUN
aijbe-35	238	8	models	model	NOUN
aijbe-35	238	9	:	:	PUNCT
aijbe-35	238	10	evidence	evidence	NOUN
aijbe-35	238	11	from	from	ADP
aijbe-35	238	12	the	the	DET
aijbe-35	238	13	banking	banking	NOUN
aijbe-35	238	14	industry	industry	NOUN
aijbe-35	238	15	.	.	PUNCT
aijbe-35	239	1	journal	journal	PROPN
aijbe-35	239	2	of	of	ADP
aijbe-35	239	3	business,78(3	business,78(3	PROPN
aijbe-35	239	4	)	)	PUNCT
aijbe-35	239	5	,	,	PUNCT
aijbe-35	239	6	893	893	NUM
aijbe-35	239	7	-	-	SYM
aijbe-35	239	8	947	947	NUM
aijbe-35	239	9	.	.	PUNCT
aijbe-35	240	1	deyoung	deyoung	PROPN
aijbe-35	240	2	,	,	PUNCT
aijbe-35	240	3	r.	r.	PROPN
aijbe-35	240	4	,	,	PUNCT
aijbe-35	240	5	lang	lang	PROPN
aijbe-35	240	6	,	,	PUNCT
aijbe-35	240	7	w.w	w.w	PROPN
aijbe-35	240	8	.	.	PROPN
aijbe-35	240	9	&	&	CCONJ
aijbe-35	240	10	nolle	nolle	PROPN
aijbe-35	240	11	,	,	PUNCT
aijbe-35	240	12	d.	d.	PROPN
aijbe-35	240	13	l.	l.	PROPN
aijbe-35	240	14	(	(	PUNCT
aijbe-35	240	15	2007	2007	NUM
aijbe-35	240	16	)	)	PUNCT
aijbe-35	240	17	.	.	PUNCT
aijbe-35	241	1	how	how	SCONJ
aijbe-35	241	2	the	the	DET
aijbe-35	241	3	internet	internet	NOUN
aijbe-35	241	4	affects	affect	VERB
aijbe-35	241	5	output	output	NOUN
aijbe-35	241	6	and	and	CCONJ
aijbe-35	241	7	performance	performance	NOUN
aijbe-35	241	8	at	at	ADP
aijbe-35	241	9	community	community	NOUN
aijbe-35	241	10	banks	bank	NOUN
aijbe-35	241	11	.	.	PUNCT
aijbe-35	242	1	journal	journal	PROPN
aijbe-35	242	2	of	of	ADP
aijbe-35	242	3	banking	banking	NOUN
aijbe-35	242	4	&	&	CCONJ
aijbe-35	242	5	finance,31	finance,31	NOUN
aijbe-35	242	6	,	,	PUNCT
aijbe-35	242	7	10331060	10331060	NUM
aijbe-35	242	8	furst	furst	NOUN
aijbe-35	242	9	,	,	PUNCT
aijbe-35	242	10	k.	k.	PROPN
aijbe-35	242	11	,	,	PUNCT
aijbe-35	242	12	lang	lang	PROPN
aijbe-35	242	13	,	,	PUNCT
aijbe-35	242	14	w.	w.	PROPN
aijbe-35	242	15	w.	w.	PROPN
aijbe-35	242	16	&	&	CCONJ
aijbe-35	242	17	nolle	nolle	PROPN
aijbe-35	242	18	,	,	PUNCT
aijbe-35	242	19	d.	d.	PROPN
aijbe-35	242	20	e.	e.	PROPN
aijbe-35	242	21	(	(	PUNCT
aijbe-35	242	22	2000a	2000a	NUM
aijbe-35	242	23	)	)	PUNCT
aijbe-35	242	24	.	.	PUNCT
aijbe-35	243	1	who	who	PRON
aijbe-35	243	2	offers	offer	VERB
aijbe-35	243	3	internet	internet	NOUN
aijbe-35	243	4	banking	banking	NOUN
aijbe-35	243	5	?	?	PUNCT
aijbe-35	244	1	quarterly	quarterly	PROPN
aijbe-35	244	2	journal,19(2	journal,19(2	PROPN
aijbe-35	244	3	)	)	PUNCT
aijbe-35	244	4	,	,	PUNCT
aijbe-35	244	5	27	27	NUM
aijbe-35	244	6	-	-	SYM
aijbe-35	244	7	46	46	NUM
aijbe-35	244	8	.	.	PUNCT
aijbe-35	245	1	furst	furst	PROPN
aijbe-35	245	2	,	,	PUNCT
aijbe-35	245	3	k.	k.	PROPN
aijbe-35	245	4	,	,	PUNCT
aijbe-35	245	5	lang	lang	PROPN
aijbe-35	245	6	,	,	PUNCT
aijbe-35	245	7	w.	w.	PROPN
aijbe-35	245	8	w.	w.	PROPN
aijbe-35	245	9	&	&	CCONJ
aijbe-35	245	10	nolle	nolle	PROPN
aijbe-35	245	11	,	,	PUNCT
aijbe-35	245	12	d.	d.	PROPN
aijbe-35	245	13	e.	e.	PROPN
aijbe-35	245	14	(	(	PUNCT
aijbe-35	245	15	2000b	2000b	NUM
aijbe-35	245	16	)	)	PUNCT
aijbe-35	245	17	.	.	PUNCT
aijbe-35	246	1	internet	internet	NOUN
aijbe-35	246	2	banking	banking	NOUN
aijbe-35	246	3	:	:	PUNCT
aijbe-35	246	4	developments	development	NOUN
aijbe-35	246	5	and	and	CCONJ
aijbe-35	246	6	prospects	prospect	NOUN
aijbe-35	246	7	,	,	PUNCT
aijbe-35	246	8	economic	economic	ADJ
aijbe-35	246	9	and	and	CCONJ
aijbe-35	246	10	policy	policy	NOUN
aijbe-35	246	11	analysis	analysis	NOUN
aijbe-35	246	12	.	.	PUNCT
aijbe-35	247	1	working	working	NOUN
aijbe-35	247	2	paper	paper	NOUN
aijbe-35	247	3	no	no	INTJ
aijbe-35	247	4	.	.	PROPN
aijbe-35	247	5	2000	2000	NUM
aijbe-35	247	6	-	-	SYM
aijbe-35	247	7	9	9	NUM
aijbe-35	247	8	,	,	PUNCT
aijbe-35	247	9	office	office	NOUN
aijbe-35	247	10	of	of	ADP
aijbe-35	247	11	comptroller	comptroller	NOUN
aijbe-35	247	12	of	of	ADP
aijbe-35	247	13	the	the	DET
aijbe-35	247	14	currency	currency	NOUN
aijbe-35	247	15	,	,	PUNCT
aijbe-35	247	16	september	september	PROPN
aijbe-35	247	17	.	.	PUNCT
aijbe-35	248	1	furst	furst	PROPN
aijbe-35	248	2	,	,	PUNCT
aijbe-35	248	3	k.	k.	PROPN
aijbe-35	248	4	,	,	PUNCT
aijbe-35	248	5	lang	lang	PROPN
aijbe-35	248	6	,	,	PUNCT
aijbe-35	248	7	w.w	w.w	PROPN
aijbe-35	248	8	.	.	PROPN
aijbe-35	248	9	&	&	CCONJ
aijbe-35	248	10	nolle	nolle	PROPN
aijbe-35	248	11	,	,	PUNCT
aijbe-35	248	12	d.	d.	PROPN
aijbe-35	248	13	e.	e.	PROPN
aijbe-35	248	14	(	(	PUNCT
aijbe-35	248	15	2002	2002	NUM
aijbe-35	248	16	)	)	PUNCT
aijbe-35	248	17	.	.	PUNCT
aijbe-35	249	1	internet	internet	NOUN
aijbe-35	249	2	banking	banking	NOUN
aijbe-35	249	3	.	.	PUNCT
aijbe-35	250	1	journal	journal	PROPN
aijbe-35	250	2	of	of	ADP
aijbe-35	250	3	financial	financial	ADJ
aijbe-35	250	4	services	service	NOUN
aijbe-35	250	5	research	research	NOUN
aijbe-35	250	6	,	,	PUNCT
aijbe-35	250	7	22(1/2	22(1/2	NUM
aijbe-35	250	8	)	)	PUNCT
aijbe-35	250	9	,	,	PUNCT
aijbe-35	250	10	95	95	NUM
aijbe-35	250	11	-	-	SYM
aijbe-35	250	12	117	117	NUM
aijbe-35	250	13	.	.	PUNCT
aijbe-35	250	14	gefen	gefen	NOUN
aijbe-35	250	15	,	,	PUNCT
aijbe-35	250	16	d.	d.	PROPN
aijbe-35	250	17	,	,	PUNCT
aijbe-35	250	18	karahanna	karahanna	PROPN
aijbe-35	250	19	,	,	PUNCT
aijbe-35	250	20	e.	e.	PROPN
aijbe-35	250	21	&	&	CCONJ
aijbe-35	250	22	straub	straub	PROPN
aijbe-35	250	23	,	,	PUNCT
aijbe-35	250	24	d.	d.	PROPN
aijbe-35	250	25	w.	w.	PROPN
aijbe-35	250	26	(	(	PUNCT
aijbe-35	250	27	2003	2003	NUM
aijbe-35	250	28	)	)	PUNCT
aijbe-35	250	29	.	.	PUNCT
aijbe-35	251	1	trust	trust	NOUN
aijbe-35	251	2	and	and	CCONJ
aijbe-35	251	3	tam	tam	X
aijbe-35	251	4	in	in	ADP
aijbe-35	251	5	online	online	ADJ
aijbe-35	251	6	shopping	shopping	NOUN
aijbe-35	251	7	:	:	PUNCT
aijbe-35	251	8	gerrard	gerrard	PROPN
aijbe-35	251	9	,	,	PUNCT
aijbe-35	251	10	p.	p.	PROPN
aijbe-35	251	11	,	,	PUNCT
aijbe-35	251	12	&	&	CCONJ
aijbe-35	251	13	cunningham	cunningham	PROPN
aijbe-35	251	14	,	,	PUNCT
aijbe-35	251	15	j.	j.	PROPN
aijbe-35	251	16	b.	b.	PROPN
aijbe-35	251	17	(	(	PUNCT
aijbe-35	251	18	2003	2003	NUM
aijbe-35	251	19	)	)	PUNCT
aijbe-35	251	20	.	.	PUNCT
aijbe-35	252	1	the	the	DET
aijbe-35	252	2	diffusion	diffusion	NOUN
aijbe-35	252	3	of	of	ADP
aijbe-35	252	4	internet	internet	NOUN
aijbe-35	252	5	banking	banking	NOUN
aijbe-35	252	6	among	among	ADP
aijbe-35	252	7	singapore	singapore	PROPN
aijbe-35	252	8	consumers	consumer	NOUN
aijbe-35	252	9	.	.	PUNCT
aijbe-35	253	1	international	international	ADJ
aijbe-35	253	2	journal	journal	PROPN
aijbe-35	253	3	of	of	ADP
aijbe-35	253	4	bank	bank	PROPN
aijbe-35	253	5	marketing,21(1	marketing,21(1	NOUN
aijbe-35	253	6	)	)	PUNCT
aijbe-35	253	7	,	,	PUNCT
aijbe-35	253	8	16	16	NUM
aijbe-35	253	9	-	-	SYM
aijbe-35	253	10	28	28	NUM
aijbe-35	253	11	.	.	PUNCT
aijbe-35	254	1	guru	guru	PROPN
aijbe-35	254	2	,	,	PUNCT
aijbe-35	254	3	b.	b.	PROPN
aijbe-35	254	4	,	,	PUNCT
aijbe-35	254	5	staunton	staunton	PROPN
aijbe-35	254	6	,	,	PUNCT
aijbe-35	254	7	j.	j.	PROPN
aijbe-35	254	8	&	&	CCONJ
aijbe-35	254	9	balashanmugam	balashanmugam	PROPN
aijbe-35	254	10	,	,	PUNCT
aijbe-35	254	11	m.	m.	NOUN
aijbe-35	254	12	(	(	PUNCT
aijbe-35	254	13	2002	2002	NUM
aijbe-35	254	14	)	)	PUNCT
aijbe-35	254	15	.	.	PUNCT
aijbe-35	255	1	determinants	determinant	NOUN
aijbe-35	255	2	of	of	ADP
aijbe-35	255	3	commercial	commercial	ADJ
aijbe-35	255	4	bank	bank	NOUN
aijbe-35	255	5	profitability	profitability	NOUN
aijbe-35	255	6	in	in	ADP
aijbe-35	255	7	malaysia	malaysia	PROPN
aijbe-35	255	8	,	,	PUNCT
aijbe-35	255	9	working	working	NOUN
aijbe-35	255	10	papers	paper	NOUN
aijbe-35	255	11	,	,	PUNCT
aijbe-35	255	12	university	university	NOUN
aijbe-35	255	13	of	of	ADP
aijbe-35	255	14	multimedia	multimedia	PROPN
aijbe-35	255	15	.	.	PUNCT
aijbe-35	256	1	hernando	hernando	PROPN
aijbe-35	256	2	,	,	PUNCT
aijbe-35	256	3	i.	i.	PROPN
aijbe-35	256	4	&	&	CCONJ
aijbe-35	256	5	nieto	nieto	PROPN
aijbe-35	256	6	,	,	PUNCT
aijbe-35	256	7	m.	m.	PROPN
aijbe-35	256	8	j.	j.	PROPN
aijbe-35	256	9	(	(	PUNCT
aijbe-35	256	10	2005	2005	NUM
aijbe-35	256	11	)	)	PUNCT
aijbe-35	256	12	.	.	PUNCT
aijbe-35	256	13	is	be	AUX
aijbe-35	256	14	the	the	DET
aijbe-35	256	15	internet	internet	NOUN
aijbe-35	256	16	delivery	delivery	NOUN
aijbe-35	256	17	channel	channel	NOUN
aijbe-35	256	18	changing	change	VERB
aijbe-35	256	19	banks	bank	NOUN
aijbe-35	256	20	’	'	PUNCT
aijbe-35	256	21	https://www.cbn.gov.ng/images/docs/cbkannualreports/annual_report	https://www.cbn.gov.ng/images/docs/cbkannualreports/annual_report	NUM
aijbe-35	257	1	_	_	DET
aijbe-35	257	2	2017.pdf	2017.pdf	NUM
aijbe-35	257	3	jayawardhena	jayawardhena	NOUN
aijbe-35	257	4	,	,	PUNCT
aijbe-35	257	5	c.	c.	PROPN
aijbe-35	257	6	&	&	CCONJ
aijbe-35	257	7	foley	foley	PROPN
aijbe-35	257	8	,	,	PUNCT
aijbe-35	257	9	p.	p.	NOUN
aijbe-35	257	10	(	(	PUNCT
aijbe-35	257	11	2000	2000	NUM
aijbe-35	257	12	)	)	PUNCT
aijbe-35	257	13	.	.	PUNCT
aijbe-35	258	1	changes	change	NOUN
aijbe-35	258	2	in	in	ADP
aijbe-35	258	3	the	the	DET
aijbe-35	258	4	banking	banking	NOUN
aijbe-35	258	5	sector	sector	NOUN
aijbe-35	258	6	:	:	PUNCT
aijbe-35	258	7	the	the	DET
aijbe-35	258	8	case	case	NOUN
aijbe-35	258	9	of	of	ADP
aijbe-35	258	10	internet	internet	NOUN
aijbe-35	258	11	banking	banking	NOUN
aijbe-35	258	12	in	in	ADP
aijbe-35	258	13	the	the	DET
aijbe-35	258	14	uk	uk	PROPN
aijbe-35	258	15	,	,	PUNCT
aijbe-35	258	16	internet	internet	NOUN
aijbe-35	258	17	research	research	NOUN
aijbe-35	258	18	.	.	PUNCT
aijbe-35	259	1	electronic	electronic	ADJ
aijbe-35	259	2	networking	networking	NOUN
aijbe-35	259	3	applications	application	NOUN
aijbe-35	259	4	and	and	CCONJ
aijbe-35	259	5	policy	policy	NOUN
aijbe-35	259	6	,	,	PUNCT
aijbe-35	259	7	10(1	10(1	NUM
aijbe-35	259	8	)	)	PUNCT
aijbe-35	259	9	,	,	PUNCT
aijbe-35	259	10	19	19	NUM
aijbe-35	259	11	-	-	SYM
aijbe-35	259	12	30	30	NUM
aijbe-35	259	13	.	.	PUNCT
aijbe-35	260	1	jayshree	jayshree	PROPN
aijbe-35	260	2	,	,	PUNCT
aijbe-35	260	3	c.	c.	PROPN
aijbe-35	260	4	(	(	PUNCT
aijbe-35	260	5	2013	2013	NUM
aijbe-35	260	6	)	)	PUNCT
aijbe-35	260	7	.	.	PUNCT
aijbe-35	261	1	internet	internet	NOUN
aijbe-35	261	2	bankingbenefits	bankingbenefit	NOUN
aijbe-35	261	3	and	and	CCONJ
aijbe-35	261	4	challenges	challenge	NOUN
aijbe-35	261	5	in	in	ADP
aijbe-35	261	6	an	an	DET
aijbe-35	261	7	emerging	emerge	VERB
aijbe-35	261	8	economy	economy	NOUN
aijbe-35	261	9	.	.	PUNCT
aijbe-35	262	1	international	international	ADJ
aijbe-35	262	2	journal	journal	PROPN
aijbe-35	262	3	in	in	ADP
aijbe-35	262	4	research	research	NOUN
aijbe-35	262	5	and	and	CCONJ
aijbe-35	262	6	business	business	NOUN
aijbe-35	262	7	management	management	NOUN
aijbe-35	262	8	,	,	PUNCT
aijbe-35	262	9	1(1	1(1	NUM
aijbe-35	262	10	)	)	PUNCT
aijbe-35	262	11	,	,	PUNCT
aijbe-35	262	12	1926	1926	NUM
aijbe-35	262	13	.	.	PUNCT
aijbe-35	263	1	jegede	jegede	NOUN
aijbe-35	263	2	,	,	PUNCT
aijbe-35	263	3	c.a	c.a	PROPN
aijbe-35	263	4	.	.	PROPN
aijbe-35	263	5	(	(	PUNCT
aijbe-35	263	6	2014	2014	NUM
aijbe-35	263	7	)	)	PUNCT
aijbe-35	263	8	.	.	PUNCT
aijbe-35	264	1	effects	effect	NOUN
aijbe-35	264	2	of	of	ADP
aijbe-35	264	3	automated	automate	VERB
aijbe-35	264	4	teller	teller	NOUN
aijbe-35	264	5	machines	machine	NOUN
aijbe-35	264	6	on	on	ADP
aijbe-35	264	7	the	the	DET
aijbe-35	264	8	performance	performance	NOUN
aijbe-35	264	9	of	of	ADP
aijbe-35	264	10	nigerian	nigerian	ADJ
aijbe-35	264	11	banks.american	banks.american	NUM
aijbe-35	264	12	journal	journal	NOUN
aijbe-35	264	13	of	of	ADP
aijbe-35	264	14	applied	apply	VERB
aijbe-35	264	15	mathematics	mathematic	NOUN
aijbe-35	264	16	and	and	CCONJ
aijbe-35	264	17	statistics	statistic	NOUN
aijbe-35	264	18	,	,	PUNCT
aijbe-35	264	19	2(1	2(1	NUM
aijbe-35	264	20	)	)	PUNCT
aijbe-35	264	21	,	,	PUNCT
aijbe-35	264	22	40	40	NUM
aijbe-35	264	23	-	-	SYM
aijbe-35	264	24	46	46	NUM
aijbe-35	264	25	.	.	PUNCT
aijbe-35	265	1	joseph	joseph	PROPN
aijbe-35	265	2	i.	i.	PROPN
aijbe-35	265	3	u.	u.	PROPN
aijbe-35	265	4	(	(	PUNCT
aijbe-35	265	5	2013	2013	NUM
aijbe-35	265	6	)	)	PUNCT
aijbe-35	265	7	.	.	PUNCT
aijbe-35	266	1	information	information	NOUN
aijbe-35	266	2	technology	technology	NOUN
aijbe-35	266	3	for	for	ADP
aijbe-35	266	4	effective	effective	ADJ
aijbe-35	266	5	supervision	supervision	NOUN
aijbe-35	266	6	of	of	ADP
aijbe-35	266	7	the	the	DET
aijbe-35	266	8	marketing	marketing	NOUN
aijbe-35	266	9	executives	executive	NOUN
aijbe-35	266	10	in	in	ADP
aijbe-35	266	11	the	the	DET
aijbe-35	266	12	banking	banking	NOUN
aijbe-35	266	13	industry	industry	NOUN
aijbe-35	266	14	in	in	ADP
aijbe-35	266	15	nigeria.journal	nigeria.journal	NUM
aijbe-35	266	16	of	of	ADP
aijbe-35	266	17	economic	economic	ADJ
aijbe-35	266	18	and	and	CCONJ
aijbe-35	266	19	sustainable	sustainable	ADJ
aijbe-35	266	20	development	development	NOUN
aijbe-35	266	21	,	,	PUNCT
aijbe-35	266	22	4	4	NUM
aijbe-35	266	23	(	(	PUNCT
aijbe-35	266	24	9),82	9),82	NUM
aijbe-35	266	25	-	-	SYM
aijbe-35	266	26	90	90	NUM
aijbe-35	266	27	.	.	PUNCT
aijbe-35	267	1	kariuki	kariuki	PROPN
aijbe-35	267	2	,	,	PUNCT
aijbe-35	267	3	n.	n.	PROPN
aijbe-35	267	4	(	(	PUNCT
aijbe-35	267	5	2005	2005	NUM
aijbe-35	267	6	)	)	PUNCT
aijbe-35	267	7	.	.	PUNCT
aijbe-35	268	1	six	six	NUM
aijbe-35	268	2	puzzles	puzzle	NOUN
aijbe-35	268	3	in	in	ADP
aijbe-35	268	4	electronic	electronic	ADJ
aijbe-35	268	5	money	money	NOUN
aijbe-35	268	6	and	and	CCONJ
aijbe-35	268	7	banking	banking	NOUN
aijbe-35	268	8	.	.	PUNCT
aijbe-35	269	1	imf	imf	PROPN
aijbe-35	269	2	working	working	PROPN
aijbe-35	269	3	paper	paper	NOUN
aijbe-35	269	4	,	,	PUNCT
aijbe-35	269	5	imf	imf	PROPN
aijbe-35	269	6	institute	institute	PROPN
aijbe-35	269	7	,	,	PUNCT
aijbe-35	269	8	19	19	NUM
aijbe-35	269	9	.	.	PUNCT
aijbe-35	269	10	karjaluoto	karjaluoto	PROPN
aijbe-35	269	11	,	,	PUNCT
aijbe-35	269	12	h.	h.	PROPN
aijbe-35	269	13	,	,	PUNCT
aijbe-35	269	14	koivumäki	koivumäki	PROPN
aijbe-35	269	15	,	,	PUNCT
aijbe-35	269	16	t.	t.	PROPN
aijbe-35	269	17	and	and	CCONJ
aijbe-35	269	18	salo	salo	PROPN
aijbe-35	269	19	,	,	PUNCT
aijbe-35	269	20	j.	j.	PROPN
aijbe-35	269	21	(	(	PUNCT
aijbe-35	269	22	2003	2003	NUM
aijbe-35	269	23	)	)	PUNCT
aijbe-35	269	24	.	.	PUNCT
aijbe-35	270	1	individual	individual	ADJ
aijbe-35	270	2	differences	difference	NOUN
aijbe-35	270	3	in	in	ADP
aijbe-35	270	4	private	private	ADJ
aijbe-35	270	5	banking	banking	NOUN
aijbe-35	270	6	:	:	PUNCT
aijbe-35	270	7	empirical	empirical	ADJ
aijbe-35	270	8	evidence	evidence	NOUN
aijbe-35	270	9	from	from	ADP
aijbe-35	270	10	finland	finland	PROPN
aijbe-35	270	11	.	.	PUNCT
aijbe-35	271	1	proceedings	proceeding	NOUN
aijbe-35	271	2	of	of	ADP
aijbe-35	271	3	the	the	DET
aijbe-35	271	4	36th	36th	ADJ
aijbe-35	271	5	hawaii	hawaii	PROPN
aijbe-35	271	6	international	international	ADJ
aijbe-35	271	7	conference	conference	NOUN
aijbe-35	271	8	on	on	ADP
aijbe-35	271	9	system	system	NOUN
aijbe-35	271	10	sciences	science	NOUN
aijbe-35	271	11	(	(	PUNCT
aijbe-35	271	12	hicss	hicss	ADJ
aijbe-35	271	13	)	)	PUNCT
aijbe-35	271	14	,	,	PUNCT
aijbe-35	271	15	big	big	ADJ
aijbe-35	271	16	island	island	NOUN
aijbe-35	271	17	,	,	PUNCT
aijbe-35	271	18	hawaii	hawaii	PROPN
aijbe-35	271	19	,	,	PUNCT
aijbe-35	271	20	p.	p.	PROPN
aijbe-35	271	21	kaye	kaye	PROPN
aijbe-35	271	22	,	,	PUNCT
aijbe-35	271	23	o.l	o.l	PROPN
aijbe-35	271	24	.	.	PROPN
aijbe-35	271	25	,	,	PUNCT
aijbe-35	271	26	ongundele	ongundele	PROPN
aijbe-35	271	27	,	,	PUNCT
aijbe-35	271	28	o.j	o.j	PROPN
aijbe-35	271	29	.	.	PROPN
aijbe-35	271	30	,	,	PUNCT
aijbe-35	271	31	&	&	CCONJ
aijbe-35	271	32	obaro	obaro	NOUN
aijbe-35	271	33	,	,	PUNCT
aijbe-35	271	34	a.	a.	NOUN
aijbe-35	271	35	o.	o.	PROPN
aijbe-35	271	36	(	(	PUNCT
aijbe-35	271	37	2013	2013	NUM
aijbe-35	271	38	)	)	PUNCT
aijbe-35	271	39	.	.	PUNCT
aijbe-35	272	1	government	government	NOUN
aijbe-35	272	2	bailout	bailout	NOUN
aijbe-35	272	3	of	of	ADP
aijbe-35	272	4	financially	financially	ADV
aijbe-35	272	5	distressed	distressed	ADJ
aijbe-35	272	6	banks	bank	NOUN
aijbe-35	272	7	in	in	ADP
aijbe-35	272	8	nigeria.a	nigeria.a	PROPN
aijbe-35	272	9	justifiable	justifiable	ADJ
aijbe-35	272	10	strategy	strategy	NOUN
aijbe-35	272	11	?	?	PUNCT
aijbe-35	272	12	.	.	PUNCT
aijbe-35	273	1	journal	journal	PROPN
aijbe-35	273	2	of	of	ADP
aijbe-35	273	3	business	business	NOUN
aijbe-35	273	4	and	and	CCONJ
aijbe-35	273	5	social	social	ADJ
aijbe-35	273	6	science	science	NOUN
aijbe-35	273	7	,	,	PUNCT
aijbe-35	273	8	4(80	4(80	NUM
aijbe-35	273	9	)	)	PUNCT
aijbe-35	273	10	,	,	PUNCT
aijbe-35	273	11	174	174	NUM
aijbe-35	273	12	-	-	SYM
aijbe-35	273	13	180	180	NUM
aijbe-35	273	14	.	.	PUNCT
aijbe-35	274	1	kingoo	kingoo	NOUN
aijbe-35	274	2	,	,	PUNCT
aijbe-35	274	3	m.	m.	NOUN
aijbe-35	274	4	(	(	PUNCT
aijbe-35	274	5	2011	2011	NUM
aijbe-35	274	6	)	)	PUNCT
aijbe-35	274	7	.	.	PUNCT
aijbe-35	275	1	challenges	challenge	NOUN
aijbe-35	275	2	for	for	ADP
aijbe-35	275	3	monetary	monetary	ADJ
aijbe-35	275	4	policy	policy	NOUN
aijbe-35	275	5	:	:	PUNCT
aijbe-35	275	6	new	new	ADJ
aijbe-35	275	7	and	and	CCONJ
aijbe-35	275	8	old	old	ADJ
aijbe-35	275	9	,	,	PUNCT
aijbe-35	275	10	bank	bank	NOUN
aijbe-35	275	11	of	of	ADP
aijbe-35	275	12	england	england	PROPN
aijbe-35	275	13	.	.	PUNCT
aijbe-35	276	1	quarterly	quarterly	ADJ
aijbe-35	276	2	bulletin	bulletin	NOUN
aijbe-35	276	3	,	,	PUNCT
aijbe-35	276	4	397	397	NUM
aijbe-35	276	5	415	415	NUM
aijbe-35	276	6	.	.	PUNCT
aijbe-35	277	1	kolodinsky	kolodinsky	PROPN
aijbe-35	277	2	,	,	PUNCT
aijbe-35	277	3	j.	j.	PROPN
aijbe-35	277	4	k.	k.	PROPN
aijbe-35	277	5	hogarth	hogarth	PROPN
aijbe-35	277	6	,	,	PUNCT
aijbe-35	277	7	j.	j.	PROPN
aijbe-35	277	8	m.	m.	PROPN
aijbe-35	277	9	,	,	PUNCT
aijbe-35	277	10	&	&	CCONJ
aijbe-35	277	11	hilgert	hilgert	PROPN
aijbe-35	277	12	,	,	PUNCT
aijbe-35	277	13	m.	m.	NOUN
aijbe-35	277	14	a.	a.	NOUN
aijbe-35	277	15	(	(	PUNCT
aijbe-35	277	16	2004	2004	NUM
aijbe-35	277	17	)	)	PUNCT
aijbe-35	277	18	.	.	PUNCT
aijbe-35	278	1	the	the	DET
aijbe-35	278	2	adoption	adoption	NOUN
aijbe-35	278	3	of	of	ADP
aijbe-35	278	4	electronic	electronic	ADJ
aijbe-35	278	5	banking	banking	NOUN
aijbe-35	278	6	technologies	technology	NOUN
aijbe-35	278	7	by	by	ADP
aijbe-35	278	8	us	us	PROPN
aijbe-35	278	9	consumers	consumer	NOUN
aijbe-35	278	10	.	.	PUNCT
aijbe-35	279	1	the	the	DET
aijbe-35	279	2	international	international	ADJ
aijbe-35	279	3	journal	journal	NOUN
aijbe-35	279	4	of	of	ADP
aijbe-35	279	5	bank	bank	PROPN
aijbe-35	279	6	marketing	marketing	NOUN
aijbe-35	279	7	,	,	PUNCT
aijbe-35	279	8	22(4	22(4	NUM
aijbe-35	279	9	)	)	PUNCT
aijbe-35	279	10	,	,	PUNCT
aijbe-35	279	11	238	238	NUM
aijbe-35	279	12	-	-	SYM
aijbe-35	279	13	259	259	NUM
aijbe-35	279	14	.	.	PUNCT
aijbe-35	280	1	malhotra	malhotra	PROPN
aijbe-35	280	2	,	,	PUNCT
aijbe-35	280	3	p	p	X
aijbe-35	280	4	,	,	PUNCT
aijbe-35	280	5	singh	singh	PROPN
aijbe-35	280	6	,	,	PUNCT
aijbe-35	280	7	b.	b.	PROPN
aijbe-35	280	8	(	(	PUNCT
aijbe-35	280	9	2009	2009	NUM
aijbe-35	280	10	)	)	PUNCT
aijbe-35	280	11	.	.	PUNCT
aijbe-35	281	1	the	the	DET
aijbe-35	281	2	impact	impact	NOUN
aijbe-35	281	3	of	of	ADP
aijbe-35	281	4	internet	internet	NOUN
aijbe-35	281	5	banking	banking	NOUN
aijbe-35	281	6	on	on	ADP
aijbe-35	281	7	bank	bank	NOUN
aijbe-35	281	8	performance	performance	NOUN
aijbe-35	281	9	and	and	CCONJ
aijbe-35	281	10	mallat	mallat	ADJ
aijbe-35	281	11	,	,	PUNCT
aijbe-35	281	12	n.	n.	NOUN
aijbe-35	281	13	,	,	PUNCT
aijbe-35	281	14	rossi	rossi	ADJ
aijbe-35	281	15	,	,	PUNCT
aijbe-35	281	16	m.	m.	NOUN
aijbe-35	281	17	,	,	PUNCT
aijbe-35	281	18	&	&	CCONJ
aijbe-35	281	19	tuunainen	tuunainen	PROPN
aijbe-35	281	20	,	,	PUNCT
aijbe-35	281	21	v.	v.	PROPN
aijbe-35	281	22	(	(	PUNCT
aijbe-35	281	23	2004	2004	NUM
aijbe-35	281	24	)	)	PUNCT
aijbe-35	281	25	.	.	PUNCT
aijbe-35	282	1	mobile	mobile	ADJ
aijbe-35	282	2	banking	banking	NOUN
aijbe-35	282	3	services	service	NOUN
aijbe-35	282	4	.	.	PUNCT
aijbe-35	283	1	communications	communication	NOUN
aijbe-35	283	2	of	of	ADP
aijbe-35	283	3	the	the	DET
aijbe-35	283	4	acm	acm	NOUN
aijbe-35	283	5	,	,	PUNCT
aijbe-35	283	6	47(5	47(5	NOUN
aijbe-35	283	7	)	)	PUNCT
aijbe-35	283	8	,	,	PUNCT
aijbe-35	283	9	42	42	NUM
aijbe-35	283	10	-	-	SYM
aijbe-35	283	11	46	46	NUM
aijbe-35	283	12	.	.	PUNCT
aijbe-35	284	1	mohammad	mohammad	PROPN
aijbe-35	284	2	,	,	PUNCT
aijbe-35	284	3	a.	a.	NOUN
aijbe-35	284	4	o	o	PROPN
aijbe-35	284	5	&	&	CCONJ
aijbe-35	284	6	saad	saad	PROPN
aijbe-35	284	7	,	,	PUNCT
aijbe-35	284	8	a.	a.	NOUN
aijbe-35	284	9	a.	a.	PROPN
aijbe-35	284	10	(	(	PUNCT
aijbe-35	284	11	2011	2011	NUM
aijbe-35	284	12	)	)	PUNCT
aijbe-35	284	13	.	.	PUNCT
aijbe-35	285	1	the	the	DET
aijbe-35	285	2	impact	impact	NOUN
aijbe-35	285	3	of	of	ADP
aijbe-35	285	4	e	e	NOUN
aijbe-35	285	5	-	-	NOUN
aijbe-35	285	6	banking	banking	NOUN
aijbe-35	285	7	on	on	ADP
aijbe-35	285	8	the	the	DET
aijbe-35	285	9	performance	performance	NOUN
aijbe-35	285	10	of	of	ADP
aijbe-35	285	11	jordanian	jordanian	ADJ
aijbe-35	285	12	banks	bank	NOUN
aijbe-35	285	13	.	.	PUNCT
aijbe-35	286	1	journal	journal	PROPN
aijbe-35	286	2	of	of	ADP
aijbe-35	286	3	internet	internet	NOUN
aijbe-35	286	4	banking	banking	NOUN
aijbe-35	286	5	and	and	CCONJ
aijbe-35	286	6	commerce,16(2	commerce,16(2	PROPN
aijbe-35	286	7	)	)	PUNCT
aijbe-35	286	8	,	,	PUNCT
aijbe-35	286	9	42	42	NUM
aijbe-35	286	10	-	-	SYM
aijbe-35	286	11	50	50	NUM
aijbe-35	286	12	.	.	PUNCT
aijbe-35	287	1	moon	moon	PROPN
aijbe-35	287	2	,	,	PUNCT
aijbe-35	287	3	j.-w	j.-w	PROPN
aijbe-35	287	4	.	.	PROPN
aijbe-35	287	5	&	&	CCONJ
aijbe-35	287	6	kim	kim	PROPN
aijbe-35	287	7	,	,	PUNCT
aijbe-35	287	8	y.	y.	PROPN
aijbe-35	287	9	g.	g.	PROPN
aijbe-35	287	10	(	(	PUNCT
aijbe-35	287	11	2001	2001	NUM
aijbe-35	287	12	)	)	PUNCT
aijbe-35	287	13	.	.	PUNCT
aijbe-35	288	1	extending	extend	VERB
aijbe-35	288	2	the	the	DET
aijbe-35	288	3	tam	tam	NOUN
aijbe-35	288	4	for	for	ADP
aijbe-35	288	5	the	the	DET
aijbe-35	288	6	world	world	NOUN
aijbe-35	288	7	-	-	PUNCT
aijbe-35	288	8	wide	wide	ADJ
aijbe-35	288	9	-	-	PUNCT
aijbe-35	288	10	web	web	NOUN
aijbe-35	288	11	context	context	NOUN
aijbe-35	288	12	.	.	PUNCT
aijbe-35	289	1	information	information	NOUN
aijbe-35	289	2	and	and	CCONJ
aijbe-35	289	3	management	management	NOUN
aijbe-35	289	4	,	,	PUNCT
aijbe-35	289	5	(	(	PUNCT
aijbe-35	289	6	38	38	NUM
aijbe-35	289	7	)	)	PUNCT
aijbe-35	289	8	,	,	PUNCT
aijbe-35	289	9	217	217	NUM
aijbe-35	289	10	-	-	SYM
aijbe-35	289	11	230	230	NUM
aijbe-35	289	12	.	.	PUNCT
aijbe-35	290	1	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	2	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	3	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	4	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	5	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	6	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	ADJ
aijbe-35	290	7	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	https://www.centralbank.go.ke/images/docs/cbkannualreports/annual_report_2015.pdf	PROPN
aijbe-35	290	8	muhammad	muhammad	PROPN
aijbe-35	290	9	aminu	aminu	PROPN
aijbe-35	290	10	isa	isa	PROPN
aijbe-35	290	11	(	(	PUNCT
aijbe-35	290	12	2023	2023	NUM
aijbe-35	290	13	)	)	PUNCT
aijbe-35	290	14	american	american	ADJ
aijbe-35	290	15	interdisciplinary	interdisciplinary	ADJ
aijbe-35	290	16	journal	journal	NOUN
aijbe-35	290	17	of	of	ADP
aijbe-35	290	18	business	business	NOUN
aijbe-35	290	19	and	and	CCONJ
aijbe-35	290	20	economics	economic	NOUN
aijbe-35	290	21	|	|	ADV
aijbe-35	290	22	64	64	NUM
aijbe-35	290	23	https://sadipub.com/journals/index.php/aijbe	https://sadipub.com/journals/index.php/aijbe	PROPN
aijbe-35	290	24	moser	moser	PROPN
aijbe-35	290	25	,	,	PUNCT
aijbe-35	290	26	d.	d.	PROPN
aijbe-35	290	27	v.	v.	PROPN
aijbe-35	290	28	,	,	PUNCT
aijbe-35	290	29	evans	evans	PROPN
aijbe-35	290	30	,	,	PUNCT
aijbe-35	290	31	j.	j.	PROPN
aijbe-35	290	32	h.	h.	PROPN
aijbe-35	290	33	&	&	CCONJ
aijbe-35	290	34	kim	kim	PROPN
aijbe-35	290	35	,	,	PUNCT
aijbe-35	290	36	c.	c.	PROPN
aijbe-35	290	37	k.	k.	PROPN
aijbe-35	290	38	(	(	PUNCT
aijbe-35	290	39	1995	1995	NUM
aijbe-35	290	40	)	)	PUNCT
aijbe-35	290	41	.	.	PUNCT
aijbe-35	291	1	the	the	DET
aijbe-35	291	2	effects	effect	NOUN
aijbe-35	291	3	of	of	ADP
aijbe-35	291	4	horizontal	horizontal	ADJ
aijbe-35	291	5	and	and	CCONJ
aijbe-35	291	6	exchange	exchange	VERB
aijbe-35	291	7	inequity	inequity	NOUN
aijbe-35	291	8	on	on	ADP
aijbe-35	291	9	tax	tax	NOUN
aijbe-35	291	10	reporting	reporting	NOUN
aijbe-35	291	11	decisions	decision	NOUN
aijbe-35	291	12	.	.	PUNCT
aijbe-35	292	1	accounting	accounting	NOUN
aijbe-35	292	2	review.70(4	review.70(4	PROPN
aijbe-35	292	3	)	)	PUNCT
aijbe-35	292	4	,	,	PUNCT
aijbe-35	292	5	619634	619634	NUM
aijbe-35	292	6	nader	nader	NOUN
aijbe-35	292	7	,	,	PUNCT
aijbe-35	292	8	a.	a.	NOUN
aijbe-35	292	9	(	(	PUNCT
aijbe-35	292	10	2011	2011	NUM
aijbe-35	292	11	)	)	PUNCT
aijbe-35	292	12	.	.	PUNCT
aijbe-35	293	1	the	the	DET
aijbe-35	293	2	effect	effect	NOUN
aijbe-35	293	3	of	of	ADP
aijbe-35	293	4	banking	banking	NOUN
aijbe-35	293	5	expansion	expansion	NOUN
aijbe-35	293	6	on	on	ADP
aijbe-35	293	7	profit	profit	NOUN
aijbe-35	293	8	efficiency	efficiency	NOUN
aijbe-35	293	9	of	of	ADP
aijbe-35	293	10	saudi	saudi	ADJ
aijbe-35	293	11	banks	bank	NOUN
aijbe-35	293	12	.	.	PUNCT
aijbe-35	294	1	2nd	2nd	ADJ
aijbe-35	294	2	international	international	ADJ
aijbe-35	294	3	conference	conference	NOUN
aijbe-35	294	4	on	on	ADP
aijbe-35	294	5	business	business	NOUN
aijbe-35	294	6	and	and	CCONJ
aijbe-35	294	7	economic	economic	ADJ
aijbe-35	294	8	research	research	NOUN
aijbe-35	294	9	(	(	PUNCT
aijbe-35	294	10	2nd	2nd	ADJ
aijbe-35	294	11	icber	icber	NOUN
aijbe-35	294	12	2011	2011	NUM
aijbe-35	294	13	)	)	PUNCT
aijbe-35	294	14	proceeding	proceed	VERB
aijbe-35	294	15	269	269	NUM
aijbe-35	294	16	.	.	PUNCT
aijbe-35	295	1	nadim	nadim	PROPN
aijbe-35	295	2	,	,	PUNCT
aijbe-35	295	3	j.	j.	PROPN
aijbe-35	295	4	&	&	CCONJ
aijbe-35	295	5	begum	begum	PROPN
aijbe-35	295	6	,	,	PUNCT
aijbe-35	295	7	n.	n.	NOUN
aijbe-35	295	8	(	(	PUNCT
aijbe-35	295	9	2008	2008	NUM
aijbe-35	295	10	)	)	PUNCT
aijbe-35	295	11	.	.	PUNCT
aijbe-35	296	1	the	the	DET
aijbe-35	296	2	role	role	NOUN
aijbe-35	296	3	of	of	ADP
aijbe-35	296	4	perceived	perceive	VERB
aijbe-35	296	5	usefulness	usefulness	NOUN
aijbe-35	296	6	,	,	PUNCT
aijbe-35	296	7	perceived	perceive	VERB
aijbe-35	296	8	ease	ease	NOUN
aijbe-35	296	9	of	of	ADP
aijbe-35	296	10	use	use	NOUN
aijbe-35	296	11	,	,	PUNCT
aijbe-35	296	12	security	security	NOUN
aijbe-35	296	13	and	and	CCONJ
aijbe-35	296	14	privacy	privacy	NOUN
aijbe-35	296	15	,	,	PUNCT
aijbe-35	296	16	and	and	CCONJ
aijbe-35	296	17	customer	customer	NOUN
aijbe-35	296	18	attitude	attitude	NOUN
aijbe-35	296	19	to	to	PART
aijbe-35	296	20	engender	engender	VERB
aijbe-35	296	21	customer	customer	NOUN
aijbe-35	296	22	adaptation	adaptation	NOUN
aijbe-35	296	23	in	in	ADP
aijbe-35	296	24	the	the	DET
aijbe-35	296	25	context	context	NOUN
aijbe-35	296	26	of	of	ADP
aijbe-35	296	27	electronic	electronic	ADJ
aijbe-35	296	28	banking	banking	NOUN
aijbe-35	296	29	.	.	PUNCT
aijbe-35	297	1	african	african	ADJ
aijbe-35	297	2	journal	journal	PROPN
aijbe-35	297	3	of	of	ADP
aijbe-35	297	4	business	business	NOUN
aijbe-35	297	5	management,2(1	management,2(1	PROPN
aijbe-35	297	6	)	)	PUNCT
aijbe-35	297	7	,	,	PUNCT
aijbe-35	297	8	32	32	NUM
aijbe-35	297	9	-	-	SYM
aijbe-35	297	10	40	40	NUM
aijbe-35	297	11	.	.	PUNCT
aijbe-35	298	1	nibss	nibss	PROPN
aijbe-35	298	2	nigeria	nigeria	PROPN
aijbe-35	298	3	(	(	PUNCT
aijbe-35	298	4	2017	2017	NUM
aijbe-35	298	5	)	)	PUNCT
aijbe-35	298	6	.	.	PUNCT
aijbe-35	299	1	http://nibss-plc.com.ng	http://nibss-plc.com.ng	PROPN
aijbe-35	299	2	oluwagbemi	oluwagbemi	AUX
aijbe-35	299	3	o.	o.	PROPN
aijbe-35	299	4	,	,	PUNCT
aijbe-35	299	5	abah	abah	VERB
aijbe-35	299	6	j.	j.	PROPN
aijbe-35	299	7	,	,	PUNCT
aijbe-35	299	8	&	&	CCONJ
aijbe-35	299	9	achimugu	achimugu	ADJ
aijbe-35	299	10	p.	p.	NOUN
aijbe-35	299	11	(	(	PUNCT
aijbe-35	299	12	2011	2011	NUM
aijbe-35	299	13	)	)	PUNCT
aijbe-35	299	14	.	.	PUNCT
aijbe-35	300	1	the	the	DET
aijbe-35	300	2	impact	impact	NOUN
aijbe-35	300	3	of	of	ADP
aijbe-35	300	4	information	information	NOUN
aijbe-35	300	5	technology	technology	NOUN
aijbe-35	300	6	in	in	ADP
aijbe-35	300	7	nigeria	nigeria	PROPN
aijbe-35	300	8	’s	’s	PART
aijbe-35	300	9	banking	banking	NOUN
aijbe-35	300	10	industry	industry	NOUN
aijbe-35	300	11	.	.	PUNCT
aijbe-35	301	1	journal	journal	PROPN
aijbe-35	301	2	of	of	ADP
aijbe-35	301	3	computer	computer	NOUN
aijbe-35	301	4	science	science	NOUN
aijbe-35	301	5	and	and	CCONJ
aijbe-35	301	6	engineering	engineering	NOUN
aijbe-35	301	7	,	,	PUNCT
aijbe-35	301	8	7	7	NUM
aijbe-35	301	9	(	(	PUNCT
aijbe-35	301	10	2	2	NUM
aijbe-35	301	11	)	)	PUNCT
aijbe-35	301	12	,	,	PUNCT
aijbe-35	301	13	63	63	NUM
aijbe-35	301	14	-	-	SYM
aijbe-35	301	15	67	67	NUM
aijbe-35	301	16	.	.	PUNCT
aijbe-35	302	1	ovia	ovia	PROPN
aijbe-35	302	2	,	,	PUNCT
aijbe-35	302	3	j.	j.	PROPN
aijbe-35	302	4	(	(	PUNCT
aijbe-35	302	5	2001	2001	NUM
aijbe-35	302	6	)	)	PUNCT
aijbe-35	302	7	.	.	PUNCT
aijbe-35	303	1	internet	internet	NOUN
aijbe-35	303	2	banking	banking	NOUN
aijbe-35	303	3	:	:	PUNCT
aijbe-35	303	4	practices	practice	NOUN
aijbe-35	303	5	and	and	CCONJ
aijbe-35	303	6	potentials	potential	NOUN
aijbe-35	303	7	in	in	ADP
aijbe-35	303	8	nigeria	nigeria	PROPN
aijbe-35	303	9	.	.	PUNCT
aijbe-35	304	1	a	a	DET
aijbe-35	304	2	paper	paper	NOUN
aijbe-35	304	3	at	at	ADP
aijbe-35	304	4	the	the	DET
aijbe-35	304	5	conference	conference	NOUN
aijbe-35	304	6	organized	organize	VERB
aijbe-35	304	7	by	by	ADP
aijbe-35	304	8	the	the	DET
aijbe-35	304	9	institute	institute	PROPN
aijbe-35	304	10	of	of	ADP
aijbe-35	304	11	chartered	charter	VERB
aijbe-35	304	12	accountants	accountant	NOUN
aijbe-35	304	13	of	of	ADP
aijbe-35	304	14	nigeria	nigeria	PROPN
aijbe-35	304	15	(	(	PUNCT
aijbe-35	304	16	ican	ican	ADJ
aijbe-35	304	17	)	)	PUNCT
aijbe-35	304	18	,	,	PUNCT
aijbe-35	304	19	lagos	lago	NOUN
aijbe-35	304	20	.	.	PUNCT
aijbe-35	305	1	performance	performance	NOUN
aijbe-35	305	2	?	?	PUNCT
aijbe-35	306	1	the	the	DET
aijbe-35	306	2	case	case	NOUN
aijbe-35	306	3	of	of	ADP
aijbe-35	306	4	spanish	spanish	ADJ
aijbe-35	306	5	banks	bank	NOUN
aijbe-35	306	6	.	.	PUNCT
aijbe-35	307	1	banco	banco	PROPN
aijbe-35	307	2	de	de	PROPN
aijbe-35	307	3	espana	espana	PROPN
aijbe-35	307	4	,	,	PUNCT
aijbe-35	307	5	unpublished	unpublished	ADJ
aijbe-35	307	6	manuscript	manuscript	NOUN
aijbe-35	307	7	.	.	PUNCT
aijbe-35	308	1	pikkarainen	pikkarainen	PROPN
aijbe-35	308	2	,	,	PUNCT
aijbe-35	308	3	t.	t.	PROPN
aijbe-35	308	4	,	,	PUNCT
aijbe-35	308	5	pikkarainen	pikkarainen	NOUN
aijbe-35	308	6	,	,	PUNCT
aijbe-35	308	7	k.	k.	PROPN
aijbe-35	308	8	,	,	PUNCT
aijbe-35	308	9	karjaluoto	karjaluoto	PROPN
aijbe-35	308	10	,	,	PUNCT
aijbe-35	308	11	h.	h.	PROPN
aijbe-35	308	12	,	,	PUNCT
aijbe-35	308	13	&	&	CCONJ
aijbe-35	308	14	pahnila	pahnila	PROPN
aijbe-35	308	15	,	,	PUNCT
aijbe-35	308	16	s.	s.	PROPN
aijbe-35	308	17	(	(	PUNCT
aijbe-35	308	18	2004	2004	NUM
aijbe-35	308	19	)	)	PUNCT
aijbe-35	308	20	.	.	PUNCT
aijbe-35	309	1	consumer	consumer	NOUN
aijbe-35	309	2	acceptance	acceptance	NOUN
aijbe-35	309	3	of	of	ADP
aijbe-35	309	4	online	online	ADJ
aijbe-35	309	5	banking	banking	NOUN
aijbe-35	309	6	:	:	PUNCT
aijbe-35	309	7	an	an	DET
aijbe-35	309	8	extension	extension	NOUN
aijbe-35	309	9	of	of	ADP
aijbe-35	309	10	the	the	DET
aijbe-35	309	11	technology	technology	NOUN
aijbe-35	309	12	acceptance	acceptance	NOUN
aijbe-35	309	13	model	model	NOUN
aijbe-35	309	14	.	.	PUNCT
aijbe-35	310	1	internet	internet	NOUN
aijbe-35	310	2	research,14(3	research,14(3	PROPN
aijbe-35	310	3	)	)	PUNCT
aijbe-35	310	4	,	,	PUNCT
aijbe-35	311	1	224–235	224–235	NUM
aijbe-35	311	2	.	.	PUNCT
aijbe-35	311	3	polatoglu	polatoglu	PROPN
aijbe-35	311	4	,	,	PUNCT
aijbe-35	311	5	v.n	v.n	PROPN
aijbe-35	311	6	.	.	PROPN
aijbe-35	311	7	,	,	PUNCT
aijbe-35	311	8	and	and	CCONJ
aijbe-35	311	9	ekin	ekin	NOUN
aijbe-35	311	10	,	,	PUNCT
aijbe-35	311	11	s.	s.	PROPN
aijbe-35	311	12	(	(	PUNCT
aijbe-35	311	13	2001	2001	NUM
aijbe-35	311	14	)	)	PUNCT
aijbe-35	311	15	.	.	PUNCT
aijbe-35	312	1	an	an	DET
aijbe-35	312	2	empirical	empirical	ADJ
aijbe-35	312	3	investigation	investigation	NOUN
aijbe-35	312	4	of	of	ADP
aijbe-35	312	5	the	the	DET
aijbe-35	312	6	turkish	turkish	ADJ
aijbe-35	312	7	consumers	consumer	NOUN
aijbe-35	312	8	'	'	PART
aijbe-35	312	9	acceptance	acceptance	NOUN
aijbe-35	312	10	of	of	ADP
aijbe-35	312	11	internet	internet	NOUN
aijbe-35	312	12	banking	banking	NOUN
aijbe-35	312	13	services	service	NOUN
aijbe-35	312	14	.	.	PUNCT
aijbe-35	313	1	international	international	ADJ
aijbe-35	313	2	journal	journal	PROPN
aijbe-35	313	3	of	of	ADP
aijbe-35	313	4	bank	bank	PROPN
aijbe-35	313	5	marketing,19(4	marketing,19(4	PROPN
aijbe-35	313	6	)	)	PUNCT
aijbe-35	313	7	,	,	PUNCT
aijbe-35	313	8	156	156	NUM
aijbe-35	313	9	-	-	SYM
aijbe-35	313	10	165	165	NUM
aijbe-35	313	11	.	.	PUNCT
aijbe-35	314	1	risk	risk	NOUN
aijbe-35	314	2	:	:	PUNCT
aijbe-35	314	3	the	the	DET
aijbe-35	314	4	indian	indian	ADJ
aijbe-35	314	5	experience	experience	NOUN
aijbe-35	314	6	.	.	PUNCT
aijbe-35	315	1	eurasian	eurasian	ADJ
aijbe-35	315	2	.	.	PROPN
aijbe-35	315	3	journal	journal	PROPN
aijbe-35	315	4	of	of	ADP
aijbe-35	315	5	business	business	NOUN
aijbe-35	315	6	and	and	CCONJ
aijbe-35	315	7	economics	economic	NOUN
aijbe-35	315	8	,	,	PUNCT
aijbe-35	315	9	43sanusi	43sanusi	NUM
aijbe-35	315	10	,	,	PUNCT
aijbe-35	315	11	l.	l.	PROPN
aijbe-35	315	12	(	(	PUNCT
aijbe-35	315	13	2010	2010	NUM
aijbe-35	315	14	)	)	PUNCT
aijbe-35	315	15	.	.	PUNCT
aijbe-35	316	1	the	the	DET
aijbe-35	316	2	nigerian	nigerian	ADJ
aijbe-35	316	3	banking	banking	NOUN
aijbe-35	316	4	industry	industry	NOUN
aijbe-35	316	5	:	:	PUNCT
aijbe-35	316	6	what	what	PRON
aijbe-35	316	7	went	go	VERB
aijbe-35	316	8	wrong	wrong	ADJ
aijbe-35	316	9	and	and	CCONJ
aijbe-35	316	10	the	the	DET
aijbe-35	316	11	way	way	NOUN
aijbe-35	316	12	forward	forward	ADV
aijbe-35	316	13	.	.	PUNCT
aijbe-35	317	1	convocation	convocation	NOUN
aijbe-35	317	2	lecture	lecture	NOUN
aijbe-35	317	3	delivered	deliver	VERB
aijbe-35	317	4	at	at	ADP
aijbe-35	317	5	the	the	DET
aijbe-35	317	6	convocation	convocation	NOUN
aijbe-35	317	7	square	square	NOUN
aijbe-35	317	8	,	,	PUNCT
aijbe-35	317	9	bayero	bayero	PROPN
aijbe-35	317	10	university	university	PROPN
aijbe-35	317	11	kano	kano	PROPN
aijbe-35	317	12	,	,	PUNCT
aijbe-35	317	13	kano	kano	PROPN
aijbe-35	317	14	-	-	PROPN
aijbe-35	317	15	nigeria	nigeria	PROPN
aijbe-35	317	16	.	.	PUNCT
aijbe-35	317	17	sathye	sathye	PROPN
aijbe-35	317	18	,	,	PUNCT
aijbe-35	317	19	m.	m.	NOUN
aijbe-35	317	20	(	(	PUNCT
aijbe-35	317	21	1999	1999	NUM
aijbe-35	317	22	)	)	PUNCT
aijbe-35	317	23	.	.	PUNCT
aijbe-35	318	1	adoption	adoption	NOUN
aijbe-35	318	2	of	of	ADP
aijbe-35	318	3	internet	internet	NOUN
aijbe-35	318	4	banking	banking	NOUN
aijbe-35	318	5	by	by	ADP
aijbe-35	318	6	australian	australian	ADJ
aijbe-35	318	7	consumers	consumer	NOUN
aijbe-35	318	8	:	:	PUNCT
aijbe-35	318	9	an	an	DET
aijbe-35	318	10	empirical	empirical	ADJ
aijbe-35	318	11	investigation	investigation	NOUN
aijbe-35	318	12	.	.	PUNCT
aijbe-35	319	1	international	international	ADJ
aijbe-35	319	2	journal	journal	PROPN
aijbe-35	319	3	of	of	ADP
aijbe-35	319	4	bank	bank	PROPN
aijbe-35	319	5	marketing	marketing	NOUN
aijbe-35	319	6	,	,	PUNCT
aijbe-35	319	7	17(7	17(7	NUM
aijbe-35	319	8	)	)	PUNCT
aijbe-35	319	9	,	,	PUNCT
aijbe-35	319	10	32434	32434	NUM
aijbe-35	319	11	.	.	PUNCT
aijbe-35	320	1	sekaran	sekaran	NOUN
aijbe-35	320	2	,	,	PUNCT
aijbe-35	320	3	u.	u.	PROPN
aijbe-35	320	4	(	(	PUNCT
aijbe-35	320	5	2003	2003	NUM
aijbe-35	320	6	)	)	PUNCT
aijbe-35	320	7	.	.	PUNCT
aijbe-35	321	1	research	research	NOUN
aijbe-35	321	2	methods	method	NOUN
aijbe-35	321	3	for	for	ADP
aijbe-35	321	4	business	business	NOUN
aijbe-35	321	5	:	:	PUNCT
aijbe-35	321	6	a	a	DET
aijbe-35	321	7	skill	skill	NOUN
aijbe-35	321	8	building	building	NOUN
aijbe-35	321	9	approach	approach	NOUN
aijbe-35	321	10	,	,	PUNCT
aijbe-35	321	11	4edn	4edn	PROPN
aijbe-35	321	12	.	.	PUNCT
aijbe-35	321	13	new	new	PROPN
aijbe-35	321	14	york	york	PROPN
aijbe-35	321	15	:	:	PUNCT
aijbe-35	321	16	john	john	PROPN
aijbe-35	321	17	wiley	wiley	PROPN
aijbe-35	321	18	and	and	CCONJ
aijbe-35	321	19	sons	sons	PROPN
aijbe-35	321	20	inc	inc	PROPN
aijbe-35	321	21	.	.	PROPN
aijbe-35	321	22	siam	siam	PROPN
aijbe-35	321	23	,	,	PUNCT
aijbe-35	321	24	a.	a.	PROPN
aijbe-35	321	25	z.	z.	PROPN
aijbe-35	321	26	(	(	PUNCT
aijbe-35	321	27	2006	2006	NUM
aijbe-35	321	28	)	)	PUNCT
aijbe-35	321	29	.	.	PUNCT
aijbe-35	322	1	role	role	NOUN
aijbe-35	322	2	of	of	ADP
aijbe-35	322	3	the	the	DET
aijbe-35	322	4	electronic	electronic	ADJ
aijbe-35	322	5	banking	banking	NOUN
aijbe-35	322	6	services	service	NOUN
aijbe-35	322	7	on	on	ADP
aijbe-35	322	8	the	the	DET
aijbe-35	322	9	profits	profit	NOUN
aijbe-35	322	10	of	of	ADP
aijbe-35	322	11	jordanian	jordanian	ADJ
aijbe-35	322	12	banks	bank	NOUN
aijbe-35	322	13	.	.	PUNCT
aijbe-35	323	1	american	american	PROPN
aijbe-35	323	2	journal	journal	PROPN
aijbe-35	323	3	of	of	ADP
aijbe-35	323	4	applied	apply	VERB
aijbe-35	323	5	sciences	science	NOUN
aijbe-35	323	6	,	,	PUNCT
aijbe-35	323	7	3(9	3(9	NUM
aijbe-35	323	8	)	)	PUNCT
aijbe-35	323	9	.	.	PUNCT
aijbe-35	324	1	simpson	simpson	PROPN
aijbe-35	324	2	,	,	PUNCT
aijbe-35	324	3	j.	j.	PROPN
aijbe-35	324	4	(	(	PUNCT
aijbe-35	324	5	2002	2002	NUM
aijbe-35	324	6	)	)	PUNCT
aijbe-35	324	7	.	.	PUNCT
aijbe-35	325	1	the	the	DET
aijbe-35	325	2	impact	impact	NOUN
aijbe-35	325	3	of	of	ADP
aijbe-35	325	4	the	the	DET
aijbe-35	325	5	internet	internet	NOUN
aijbe-35	325	6	in	in	ADP
aijbe-35	325	7	banking	banking	NOUN
aijbe-35	325	8	:	:	PUNCT
aijbe-35	325	9	observations	observation	NOUN
aijbe-35	325	10	and	and	CCONJ
aijbe-35	325	11	evidence	evidence	NOUN
aijbe-35	325	12	from	from	ADP
aijbe-35	325	13	developed	develop	VERB
aijbe-35	325	14	and	and	CCONJ
aijbe-35	325	15	emerging	emerge	VERB
aijbe-35	325	16	markets	market	NOUN
aijbe-35	325	17	.	.	PUNCT
aijbe-35	326	1	international	international	ADJ
aijbe-35	326	2	journal	journal	NOUN
aijbe-35	326	3	of	of	ADP
aijbe-35	326	4	telematics	telematic	NOUN
aijbe-35	326	5	and	and	CCONJ
aijbe-35	326	6	informatics	informatic	NOUN
aijbe-35	326	7	,	,	PUNCT
aijbe-35	326	8	19	19	NUM
aijbe-35	326	9	,	,	PUNCT
aijbe-35	326	10	315	315	NUM
aijbe-35	326	11	-	-	SYM
aijbe-35	326	12	330	330	NUM
aijbe-35	326	13	.	.	PUNCT
aijbe-35	327	1	steven	steven	PROPN
aijbe-35	327	2	,	,	PUNCT
aijbe-35	327	3	a.	a.	PROPN
aijbe-35	327	4	(	(	PUNCT
aijbe-35	327	5	2013	2013	NUM
aijbe-35	327	6	)	)	PUNCT
aijbe-35	327	7	.	.	PUNCT
aijbe-35	328	1	information	information	NOUN
aijbe-35	328	2	systems	system	NOUN
aijbe-35	328	3	:	:	PUNCT
aijbe-35	328	4	the	the	DET
aijbe-35	328	5	information	information	NOUN
aijbe-35	328	6	of	of	ADP
aijbe-35	328	7	e	e	NOUN
aijbe-35	328	8	-	-	NOUN
aijbe-35	328	9	business	business	NOUN
aijbe-35	328	10	.	.	PUNCT
aijbe-35	329	1	new	new	PROPN
aijbe-35	329	2	jersey	jersey	PROPN
aijbe-35	329	3	:	:	PUNCT
aijbe-35	329	4	natalie	natalie	PROPN
aijbe-35	329	5	anderson	anderson	PROPN
aijbe-35	329	6	.	.	PUNCT
aijbe-35	330	1	sullivan	sullivan	PROPN
aijbe-35	330	2	,	,	PUNCT
aijbe-35	330	3	r.	r.	PROPN
aijbe-35	330	4	j.	j.	PROPN
aijbe-35	330	5	(	(	PUNCT
aijbe-35	330	6	2000	2000	NUM
aijbe-35	330	7	)	)	PUNCT
aijbe-35	330	8	.	.	PUNCT
aijbe-35	331	1	how	how	SCONJ
aijbe-35	331	2	has	have	AUX
aijbe-35	331	3	the	the	DET
aijbe-35	331	4	adoption	adoption	NOUN
aijbe-35	331	5	of	of	ADP
aijbe-35	331	6	internet	internet	NOUN
aijbe-35	331	7	banking	banking	NOUN
aijbe-35	331	8	affected	affect	VERB
aijbe-35	331	9	performance	performance	NOUN
aijbe-35	331	10	and	and	CCONJ
aijbe-35	331	11	risk	risk	NOUN
aijbe-35	331	12	at	at	ADP
aijbe-35	331	13	banks	bank	NOUN
aijbe-35	331	14	?	?	PUNCT
aijbe-35	332	1	a	a	DET
aijbe-35	332	2	look	look	NOUN
aijbe-35	332	3	at	at	ADP
aijbe-35	332	4	internet	internet	NOUN
aijbe-35	332	5	banking	banking	NOUN
aijbe-35	332	6	in	in	ADP
aijbe-35	332	7	the	the	DET
aijbe-35	332	8	tenth	tenth	ADJ
aijbe-35	332	9	federal	federal	PROPN
aijbe-35	332	10	reserve	reserve	PROPN
aijbe-35	332	11	district	district	PROPN
aijbe-35	332	12	,	,	PUNCT
aijbe-35	332	13	federal	federal	PROPN
aijbe-35	332	14	reserve	reserve	PROPN
aijbe-35	332	15	bank	bank	PROPN
aijbe-35	332	16	of	of	ADP
aijbe-35	332	17	kansas	kansas	PROPN
aijbe-35	332	18	city	city	PROPN
aijbe-35	332	19	.	.	PUNCT
aijbe-35	333	1	financial	financial	ADJ
aijbe-35	333	2	industry	industry	NOUN
aijbe-35	333	3	perspectives	perspective	NOUN
aijbe-35	333	4	,	,	PUNCT
aijbe-35	333	5	(	(	PUNCT
aijbe-35	333	6	december	december	PROPN
aijbe-35	333	7	)	)	PUNCT
aijbe-35	333	8	,	,	PUNCT
aijbe-35	333	9	1–16.university	1–16.university	NUM
aijbe-35	333	10	.	.	PUNCT