id	sid	tid	token	lemma	pos
aijbe-441	1	1	american	american	PROPN
aijbe-441	1	2	interdisciplinary	interdisciplinary	PROPN
aijbe-441	1	3	journal	journal	NOUN
aijbe-441	1	4	of	of	ADP
aijbe-441	1	5	business	business	NOUN
aijbe-441	1	6	and	and	CCONJ
aijbe-441	1	7	economics	economic	NOUN
aijbe-441	1	8	issn	issn	PROPN
aijbe-441	1	9	:	:	PUNCT
aijbe-441	1	10	2837	2837	NUM
aijbe-441	1	11	-	-	SYM
aijbe-441	1	12	1909|	1909|	NUM
aijbe-441	1	13	impact	impact	NOUN
aijbe-441	1	14	factor	factor	NOUN
aijbe-441	1	15	:	:	PUNCT
aijbe-441	1	16	6.71	6.71	NUM
aijbe-441	1	17	volume	volume	NOUN
aijbe-441	1	18	.	.	PUNCT
aijbe-441	2	1	10	10	NUM
aijbe-441	2	2	,	,	PUNCT
aijbe-441	2	3	number	number	NOUN
aijbe-441	2	4	3	3	NUM
aijbe-441	2	5	;	;	PUNCT
aijbe-441	2	6	july	july	PROPN
aijbe-441	2	7	-	-	PUNCT
aijbe-441	2	8	september	september	PROPN
aijbe-441	2	9	,	,	PUNCT
aijbe-441	2	10	2023	2023	NUM
aijbe-441	2	11	;	;	PUNCT
aijbe-441	2	12	published	publish	VERB
aijbe-441	2	13	by	by	ADP
aijbe-441	2	14	:	:	PUNCT
aijbe-441	2	15	scientific	scientific	ADJ
aijbe-441	2	16	and	and	CCONJ
aijbe-441	2	17	academic	academic	ADJ
aijbe-441	2	18	development	development	PROPN
aijbe-441	2	19	institute	institute	PROPN
aijbe-441	2	20	(	(	PUNCT
aijbe-441	2	21	sadi	sadi	PROPN
aijbe-441	2	22	)	)	PUNCT
aijbe-441	2	23	8933	8933	NUM
aijbe-441	3	1	willis	willis	PROPN
aijbe-441	3	2	ave	ave	PROPN
aijbe-441	3	3	los	los	PROPN
aijbe-441	3	4	angeles	angeles	PROPN
aijbe-441	3	5	,	,	PUNCT
aijbe-441	3	6	california	california	PROPN
aijbe-441	3	7	https://sadijournals.org/index.php/aijbe|	https://sadijournals.org/index.php/aijbe|	PART
aijbe-441	3	8	editorial@sadipub.com	editorial@sadipub.com	X
aijbe-441	4	1	23	23	NUM
aijbe-441	4	2	american	american	ADJ
aijbe-441	4	3	interdisciplinary	interdisciplinary	ADJ
aijbe-441	4	4	journal	journal	NOUN
aijbe-441	4	5	of	of	ADP
aijbe-441	4	6	business	business	NOUN
aijbe-441	4	7	and	and	CCONJ
aijbe-441	4	8	economics	economic	NOUN
aijbe-441	4	9	|	|	ADV
aijbe-441	4	10	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	4	11	electronic	electronic	ADJ
aijbe-441	4	12	banking	banking	NOUN
aijbe-441	4	13	and	and	CCONJ
aijbe-441	4	14	marketing	marketing	NOUN
aijbe-441	4	15	performance	performance	NOUN
aijbe-441	4	16	of	of	ADP
aijbe-441	4	17	deposit	deposit	NOUN
aijbe-441	4	18	money	money	NOUN
aijbe-441	4	19	banks	bank	NOUN
aijbe-441	4	20	in	in	ADP
aijbe-441	4	21	uyo	uyo	NOUN
aijbe-441	4	22	,	,	PUNCT
aijbe-441	4	23	akwa	akwa	ADJ
aijbe-441	4	24	ibom	ibom	ADJ
aijbe-441	4	25	state	state	NOUN
aijbe-441	4	26	1dr	1dr	NOUN
aijbe-441	4	27	.	.	PUNCT
aijbe-441	5	1	aniebiet	aniebiet	PROPN
aijbe-441	5	2	etuk	etuk	PROPN
aijbe-441	5	3	,	,	PUNCT
aijbe-441	5	4	2aniefiok	2aniefiok	NUM
aijbe-441	5	5	okon	okon	PROPN
aijbe-441	5	6	akpan	akpan	PROPN
aijbe-441	5	7	and	and	CCONJ
aijbe-441	5	8	2aniekan	2aniekan	NUM
aijbe-441	5	9	eyo	eyo	PROPN
aijbe-441	5	10	awah	awah	PROPN
aijbe-441	5	11	1department	1department	NUM
aijbe-441	5	12	of	of	ADP
aijbe-441	5	13	marketing	marketing	NOUN
aijbe-441	5	14	,	,	PUNCT
aijbe-441	5	15	akwa	akwa	ADJ
aijbe-441	5	16	ibom	ibom	ADJ
aijbe-441	5	17	state	state	NOUN
aijbe-441	5	18	university	university	NOUN
aijbe-441	5	19	,	,	PUNCT
aijbe-441	5	20	obio	obio	NOUN
aijbe-441	5	21	akpa	akpa	ADJ
aijbe-441	5	22	campus1	campus1	PROPN
aijbe-441	5	23	2ph.d	2ph.d	NUM
aijbe-441	5	24	student	student	NOUN
aijbe-441	5	25	,	,	PUNCT
aijbe-441	5	26	department	department	NOUN
aijbe-441	5	27	of	of	ADP
aijbe-441	5	28	marketing	marketing	NOUN
aijbe-441	5	29	,	,	PUNCT
aijbe-441	5	30	akwa	akwa	ADJ
aijbe-441	5	31	ibom	ibom	ADJ
aijbe-441	5	32	state	state	NOUN
aijbe-441	5	33	university	university	NOUN
aijbe-441	5	34	,	,	PUNCT
aijbe-441	5	35	obio	obio	ADV
aijbe-441	5	36	akpa	akpa	PROPN
aijbe-441	5	37	campus	campus	PROPN
aijbe-441	5	38	doi	doi	NOUN
aijbe-441	5	39	:	:	PUNCT
aijbe-441	5	40	https://doi.org/	https://doi.org/	VERB
aijbe-441	5	41	10.5281	10.5281	NUM
aijbe-441	5	42	/	/	SYM
aijbe-441	5	43	zenodo.8346738	zenodo.8346738	NUM
aijbe-441	5	44	abstract	abstract	NOUN
aijbe-441	5	45	:	:	PUNCT
aijbe-441	5	46	the	the	DET
aijbe-441	5	47	introduction	introduction	NOUN
aijbe-441	5	48	of	of	ADP
aijbe-441	5	49	electronic	electronic	ADJ
aijbe-441	5	50	banking	banking	NOUN
aijbe-441	5	51	for	for	ADP
aijbe-441	5	52	the	the	DET
aijbe-441	5	53	purpose	purpose	NOUN
aijbe-441	5	54	of	of	ADP
aijbe-441	5	55	delivering	deliver	VERB
aijbe-441	5	56	effective	effective	ADJ
aijbe-441	5	57	and	and	CCONJ
aijbe-441	5	58	efficient	efficient	ADJ
aijbe-441	5	59	service	service	NOUN
aijbe-441	5	60	to	to	ADP
aijbe-441	5	61	customers	customer	NOUN
aijbe-441	5	62	,	,	PUNCT
aijbe-441	5	63	rather	rather	ADV
aijbe-441	5	64	brought	bring	VERB
aijbe-441	5	65	disappointments	disappointment	NOUN
aijbe-441	5	66	to	to	ADP
aijbe-441	5	67	the	the	DET
aijbe-441	5	68	customers	customer	NOUN
aijbe-441	5	69	.	.	PUNCT
aijbe-441	6	1	there	there	PRON
aijbe-441	6	2	are	be	VERB
aijbe-441	6	3	issues	issue	NOUN
aijbe-441	6	4	of	of	ADP
aijbe-441	6	5	network	network	NOUN
aijbe-441	6	6	failure	failure	NOUN
aijbe-441	6	7	,	,	PUNCT
aijbe-441	6	8	fraud	fraud	NOUN
aijbe-441	6	9	,	,	PUNCT
aijbe-441	6	10	unreliable	unreliable	ADJ
aijbe-441	6	11	machines	machine	NOUN
aijbe-441	6	12	,	,	PUNCT
aijbe-441	6	13	etc	etc	X
aijbe-441	6	14	.	.	X
aijbe-441	6	15	with	with	ADP
aijbe-441	6	16	these	these	DET
aijbe-441	6	17	disappointments	disappointment	NOUN
aijbe-441	6	18	,	,	PUNCT
aijbe-441	6	19	it	it	PRON
aijbe-441	6	20	is	be	AUX
aijbe-441	6	21	unclear	unclear	ADJ
aijbe-441	6	22	if	if	SCONJ
aijbe-441	6	23	electronic	electronic	ADJ
aijbe-441	6	24	banking	banking	NOUN
aijbe-441	6	25	is	be	AUX
aijbe-441	6	26	actually	actually	ADV
aijbe-441	6	27	helping	help	VERB
aijbe-441	6	28	banks	bank	NOUN
aijbe-441	6	29	in	in	ADP
aijbe-441	6	30	their	their	PRON
aijbe-441	6	31	marketing	marketing	NOUN
aijbe-441	6	32	effort	effort	NOUN
aijbe-441	6	33	to	to	PART
aijbe-441	6	34	acquire	acquire	VERB
aijbe-441	6	35	new	new	ADJ
aijbe-441	6	36	customers	customer	NOUN
aijbe-441	6	37	.	.	PUNCT
aijbe-441	7	1	this	this	DET
aijbe-441	7	2	study	study	NOUN
aijbe-441	7	3	therefore	therefore	ADV
aijbe-441	7	4	investigated	investigate	VERB
aijbe-441	7	5	the	the	DET
aijbe-441	7	6	influence	influence	NOUN
aijbe-441	7	7	of	of	ADP
aijbe-441	7	8	electronic	electronic	ADJ
aijbe-441	7	9	banking	banking	NOUN
aijbe-441	7	10	on	on	ADP
aijbe-441	7	11	marketing	marketing	NOUN
aijbe-441	7	12	performance	performance	NOUN
aijbe-441	7	13	of	of	ADP
aijbe-441	7	14	deposit	deposit	NOUN
aijbe-441	7	15	money	money	NOUN
aijbe-441	7	16	banks	bank	NOUN
aijbe-441	7	17	in	in	ADP
aijbe-441	7	18	uyo	uyo	NOUN
aijbe-441	7	19	,	,	PUNCT
aijbe-441	7	20	akwa	akwa	ADJ
aijbe-441	7	21	ibom	ibom	ADJ
aijbe-441	7	22	state	state	NOUN
aijbe-441	7	23	.	.	PUNCT
aijbe-441	8	1	the	the	DET
aijbe-441	8	2	survey	survey	NOUN
aijbe-441	8	3	research	research	NOUN
aijbe-441	8	4	design	design	NOUN
aijbe-441	8	5	was	be	AUX
aijbe-441	8	6	used	use	VERB
aijbe-441	8	7	.	.	PUNCT
aijbe-441	9	1	primary	primary	ADJ
aijbe-441	9	2	data	datum	NOUN
aijbe-441	9	3	were	be	AUX
aijbe-441	9	4	collected	collect	VERB
aijbe-441	9	5	from	from	ADP
aijbe-441	9	6	senior	senior	ADJ
aijbe-441	9	7	staff	staff	NOUN
aijbe-441	9	8	members	member	NOUN
aijbe-441	9	9	of	of	ADP
aijbe-441	9	10	four	four	NUM
aijbe-441	9	11	deposit	deposit	NOUN
aijbe-441	9	12	money	money	NOUN
aijbe-441	9	13	banks	bank	NOUN
aijbe-441	9	14	in	in	ADP
aijbe-441	9	15	uyo	uyo	PROPN
aijbe-441	9	16	metropolis	metropolis	PROPN
aijbe-441	9	17	.	.	PUNCT
aijbe-441	10	1	the	the	DET
aijbe-441	10	2	banks	bank	NOUN
aijbe-441	10	3	were	be	AUX
aijbe-441	10	4	first	first	PROPN
aijbe-441	10	5	bank	bank	PROPN
aijbe-441	10	6	plc	plc	PROPN
aijbe-441	10	7	,	,	PUNCT
aijbe-441	10	8	zenith	zenith	PROPN
aijbe-441	10	9	bank	bank	PROPN
aijbe-441	10	10	plc	plc	PROPN
aijbe-441	10	11	,	,	PUNCT
aijbe-441	10	12	united	united	PROPN
aijbe-441	10	13	bank	bank	PROPN
aijbe-441	10	14	for	for	ADP
aijbe-441	10	15	africa	africa	PROPN
aijbe-441	10	16	plc	plc	PROPN
aijbe-441	10	17	,	,	PUNCT
aijbe-441	10	18	and	and	CCONJ
aijbe-441	10	19	guaranty	guaranty	PROPN
aijbe-441	10	20	trust	trust	PROPN
aijbe-441	10	21	bank	bank	PROPN
aijbe-441	10	22	plc	plc	PROPN
aijbe-441	10	23	.	.	PROPN
aijbe-441	10	24	census	census	PROPN
aijbe-441	10	25	technique	technique	NOUN
aijbe-441	10	26	was	be	AUX
aijbe-441	10	27	adopted	adopt	VERB
aijbe-441	10	28	to	to	PART
aijbe-441	10	29	reach	reach	VERB
aijbe-441	10	30	out	out	ADP
aijbe-441	10	31	to	to	ADP
aijbe-441	10	32	the	the	DET
aijbe-441	10	33	respondents	respondent	NOUN
aijbe-441	10	34	since	since	SCONJ
aijbe-441	10	35	the	the	DET
aijbe-441	10	36	population	population	NOUN
aijbe-441	10	37	was	be	AUX
aijbe-441	10	38	not	not	PART
aijbe-441	10	39	very	very	ADV
aijbe-441	10	40	large	large	ADJ
aijbe-441	10	41	,	,	PUNCT
aijbe-441	10	42	and	and	CCONJ
aijbe-441	10	43	questionnaire	questionnaire	NOUN
aijbe-441	10	44	was	be	AUX
aijbe-441	10	45	used	use	VERB
aijbe-441	10	46	in	in	ADP
aijbe-441	10	47	collecting	collect	VERB
aijbe-441	10	48	data	datum	NOUN
aijbe-441	10	49	.	.	PUNCT
aijbe-441	11	1	the	the	DET
aijbe-441	11	2	proxies	proxy	NOUN
aijbe-441	11	3	of	of	ADP
aijbe-441	11	4	electronic	electronic	ADJ
aijbe-441	11	5	banking	banking	NOUN
aijbe-441	11	6	were	be	AUX
aijbe-441	11	7	automated	automate	VERB
aijbe-441	11	8	teller	teller	NOUN
aijbe-441	11	9	machines	machine	NOUN
aijbe-441	11	10	,	,	PUNCT
aijbe-441	11	11	point	point	NOUN
aijbe-441	11	12	of	of	ADP
aijbe-441	11	13	sales	sale	NOUN
aijbe-441	11	14	,	,	PUNCT
aijbe-441	11	15	internet	internet	NOUN
aijbe-441	11	16	banking	banking	NOUN
aijbe-441	11	17	,	,	PUNCT
aijbe-441	11	18	and	and	CCONJ
aijbe-441	11	19	mobile	mobile	ADJ
aijbe-441	11	20	banking	banking	NOUN
aijbe-441	11	21	,	,	PUNCT
aijbe-441	11	22	while	while	SCONJ
aijbe-441	11	23	the	the	DET
aijbe-441	11	24	proxy	proxy	NOUN
aijbe-441	11	25	of	of	ADP
aijbe-441	11	26	marketing	marketing	NOUN
aijbe-441	11	27	performance	performance	NOUN
aijbe-441	11	28	was	be	AUX
aijbe-441	11	29	customer	customer	NOUN
aijbe-441	11	30	acquisition	acquisition	NOUN
aijbe-441	11	31	.	.	PUNCT
aijbe-441	12	1	the	the	DET
aijbe-441	12	2	regression	regression	NOUN
aijbe-441	12	3	results	result	NOUN
aijbe-441	12	4	revealed	reveal	VERB
aijbe-441	12	5	that	that	SCONJ
aijbe-441	12	6	electronic	electronic	ADJ
aijbe-441	12	7	banking	banking	NOUN
aijbe-441	12	8	significantly	significantly	ADV
aijbe-441	12	9	influence	influence	VERB
aijbe-441	12	10	marketing	marketing	NOUN
aijbe-441	12	11	performance	performance	NOUN
aijbe-441	12	12	of	of	ADP
aijbe-441	12	13	deposit	deposit	NOUN
aijbe-441	12	14	money	money	NOUN
aijbe-441	12	15	banks	bank	NOUN
aijbe-441	12	16	.	.	PUNCT
aijbe-441	13	1	thus	thus	ADV
aijbe-441	13	2	,	,	PUNCT
aijbe-441	13	3	it	it	PRON
aijbe-441	13	4	was	be	AUX
aijbe-441	13	5	concluded	conclude	VERB
aijbe-441	13	6	that	that	SCONJ
aijbe-441	13	7	adopting	adopt	VERB
aijbe-441	13	8	electronic	electronic	ADJ
aijbe-441	13	9	banking	banking	NOUN
aijbe-441	13	10	innovations	innovation	NOUN
aijbe-441	13	11	can	can	AUX
aijbe-441	13	12	enhance	enhance	VERB
aijbe-441	13	13	customer	customer	NOUN
aijbe-441	13	14	acquisition	acquisition	NOUN
aijbe-441	13	15	efforts	effort	NOUN
aijbe-441	13	16	of	of	ADP
aijbe-441	13	17	deposit	deposit	NOUN
aijbe-441	13	18	money	money	NOUN
aijbe-441	13	19	banks	bank	NOUN
aijbe-441	13	20	.	.	PUNCT
aijbe-441	14	1	it	it	PRON
aijbe-441	14	2	was	be	AUX
aijbe-441	14	3	therefore	therefore	ADV
aijbe-441	14	4	recommended	recommend	VERB
aijbe-441	14	5	among	among	ADP
aijbe-441	14	6	others	other	NOUN
aijbe-441	14	7	that	that	PRON
aijbe-441	14	8	deposit	deposit	VERB
aijbe-441	14	9	money	money	NOUN
aijbe-441	14	10	banks	bank	NOUN
aijbe-441	14	11	should	should	AUX
aijbe-441	14	12	continue	continue	VERB
aijbe-441	14	13	to	to	PART
aijbe-441	14	14	deploy	deploy	VERB
aijbe-441	14	15	electronic	electronic	ADJ
aijbe-441	14	16	banking	banking	NOUN
aijbe-441	14	17	services	service	NOUN
aijbe-441	14	18	through	through	ADP
aijbe-441	14	19	the	the	DET
aijbe-441	14	20	use	use	NOUN
aijbe-441	14	21	of	of	ADP
aijbe-441	14	22	automated	automate	VERB
aijbe-441	14	23	teller	teller	NOUN
aijbe-441	14	24	machine	machine	NOUN
aijbe-441	14	25	,	,	PUNCT
aijbe-441	14	26	point	point	NOUN
aijbe-441	14	27	of	of	ADP
aijbe-441	14	28	sales	sale	NOUN
aijbe-441	14	29	,	,	PUNCT
aijbe-441	14	30	internet	internet	NOUN
aijbe-441	14	31	banking	banking	NOUN
aijbe-441	14	32	,	,	PUNCT
aijbe-441	14	33	and	and	CCONJ
aijbe-441	14	34	mobile	mobile	ADJ
aijbe-441	14	35	banking	banking	NOUN
aijbe-441	14	36	,	,	PUNCT
aijbe-441	14	37	as	as	SCONJ
aijbe-441	14	38	this	this	PRON
aijbe-441	14	39	will	will	AUX
aijbe-441	14	40	help	help	VERB
aijbe-441	14	41	them	they	PRON
aijbe-441	14	42	to	to	PART
aijbe-441	14	43	keep	keep	VERB
aijbe-441	14	44	winning	win	VERB
aijbe-441	14	45	new	new	ADJ
aijbe-441	14	46	customers	customer	NOUN
aijbe-441	14	47	and	and	CCONJ
aijbe-441	14	48	remain	remain	VERB
aijbe-441	14	49	competitive	competitive	ADJ
aijbe-441	14	50	.	.	PUNCT
aijbe-441	15	1	keywords	keyword	NOUN
aijbe-441	15	2	:	:	PUNCT
aijbe-441	15	3	electronic	electronic	ADJ
aijbe-441	15	4	banking	banking	NOUN
aijbe-441	15	5	,	,	PUNCT
aijbe-441	15	6	deposit	deposit	NOUN
aijbe-441	15	7	money	money	NOUN
aijbe-441	15	8	bank	bank	NOUN
aijbe-441	15	9	,	,	PUNCT
aijbe-441	15	10	banking	banking	NOUN
aijbe-441	15	11	innovations	innovation	NOUN
aijbe-441	15	12	,	,	PUNCT
aijbe-441	15	13	marketing	marketing	NOUN
aijbe-441	15	14	performance	performance	NOUN
aijbe-441	15	15	,	,	PUNCT
aijbe-441	15	16	business	business	NOUN
aijbe-441	15	17	performance	performance	NOUN
aijbe-441	15	18	,	,	PUNCT
aijbe-441	15	19	customer	customer	NOUN
aijbe-441	15	20	acquisition	acquisition	NOUN
aijbe-441	15	21	.	.	PUNCT
aijbe-441	16	1	introduction	introduction	NOUN
aijbe-441	16	2	1.1	1.1	NUM
aijbe-441	16	3	background	background	NOUN
aijbe-441	16	4	to	to	ADP
aijbe-441	16	5	the	the	DET
aijbe-441	16	6	study	study	NOUN
aijbe-441	16	7	electronic	electronic	ADJ
aijbe-441	16	8	technology	technology	NOUN
aijbe-441	16	9	has	have	AUX
aijbe-441	16	10	significantly	significantly	ADV
aijbe-441	16	11	altered	alter	VERB
aijbe-441	16	12	the	the	DET
aijbe-441	16	13	way	way	NOUN
aijbe-441	16	14	things	thing	NOUN
aijbe-441	16	15	are	be	AUX
aijbe-441	16	16	done	do	VERB
aijbe-441	16	17	in	in	ADP
aijbe-441	16	18	today	today	NOUN
aijbe-441	16	19	’s	’s	PART
aijbe-441	16	20	world	world	NOUN
aijbe-441	16	21	.	.	PUNCT
aijbe-441	17	1	now	now	ADV
aijbe-441	17	2	,	,	PUNCT
aijbe-441	17	3	almost	almost	ADV
aijbe-441	17	4	every	every	PRON
aijbe-441	17	5	facet	facet	NOUN
aijbe-441	17	6	of	of	ADP
aijbe-441	17	7	human	human	ADJ
aijbe-441	17	8	existence	existence	NOUN
aijbe-441	17	9	has	have	VERB
aijbe-441	17	10	an	an	DET
aijbe-441	17	11	electronic	electronic	ADJ
aijbe-441	17	12	aspect	aspect	NOUN
aijbe-441	17	13	.	.	PUNCT
aijbe-441	18	1	thus	thus	ADV
aijbe-441	18	2	,	,	PUNCT
aijbe-441	18	3	we	we	PRON
aijbe-441	18	4	have	have	VERB
aijbe-441	18	5	such	such	ADJ
aijbe-441	18	6	concepts	concept	NOUN
aijbe-441	18	7	as	as	ADP
aijbe-441	18	8	electronic	electronic	ADJ
aijbe-441	18	9	learning	learning	NOUN
aijbe-441	18	10	,	,	PUNCT
aijbe-441	18	11	electronic	electronic	ADJ
aijbe-441	18	12	voting	voting	NOUN
aijbe-441	18	13	,	,	PUNCT
aijbe-441	18	14	electronic	electronic	ADJ
aijbe-441	18	15	signature	signature	NOUN
aijbe-441	18	16	,	,	PUNCT
aijbe-441	18	17	etc	etc	X
aijbe-441	18	18	.	.	X
aijbe-441	19	1	the	the	DET
aijbe-441	19	2	business	business	NOUN
aijbe-441	19	3	sector	sector	NOUN
aijbe-441	19	4	is	be	AUX
aijbe-441	19	5	not	not	PART
aijbe-441	19	6	left	leave	VERB
aijbe-441	19	7	out	out	ADP
aijbe-441	19	8	of	of	ADP
aijbe-441	19	9	this	this	DET
aijbe-441	19	10	electronic	electronic	ADJ
aijbe-441	19	11	revolution	revolution	NOUN
aijbe-441	19	12	,	,	PUNCT
aijbe-441	19	13	as	as	SCONJ
aijbe-441	19	14	we	we	PRON
aijbe-441	19	15	dr	dr	PROPN
aijbe-441	19	16	.	.	PROPN
aijbe-441	20	1	aniebiet	aniebiet	PROPN
aijbe-441	20	2	etuk	etuk	PROPN
aijbe-441	20	3	,	,	PUNCT
aijbe-441	20	4	aniefiok	aniefiok	PROPN
aijbe-441	20	5	okon	okon	PROPN
aijbe-441	20	6	akpan	akpan	PROPN
aijbe-441	20	7	and	and	CCONJ
aijbe-441	20	8	aniekan	aniekan	PROPN
aijbe-441	20	9	eyo	eyo	PROPN
aijbe-441	20	10	awah	awah	PROPN
aijbe-441	20	11	(	(	PUNCT
aijbe-441	20	12	2023	2023	NUM
aijbe-441	20	13	)	)	PUNCT
aijbe-441	20	14	24	24	NUM
aijbe-441	20	15	american	american	ADJ
aijbe-441	20	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	20	17	journal	journal	NOUN
aijbe-441	20	18	of	of	ADP
aijbe-441	20	19	business	business	NOUN
aijbe-441	20	20	and	and	CCONJ
aijbe-441	20	21	economics	economic	NOUN
aijbe-441	20	22	|	|	ADV
aijbe-441	20	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	20	24	have	have	VERB
aijbe-441	20	25	electronic	electronic	ADJ
aijbe-441	20	26	commerce	commerce	NOUN
aijbe-441	20	27	,	,	PUNCT
aijbe-441	20	28	which	which	PRON
aijbe-441	20	29	consists	consist	VERB
aijbe-441	20	30	of	of	ADP
aijbe-441	20	31	several	several	ADJ
aijbe-441	20	32	electronic	electronic	ADJ
aijbe-441	20	33	sub	sub	NOUN
aijbe-441	20	34	-	-	NOUN
aijbe-441	20	35	systems	system	NOUN
aijbe-441	20	36	,	,	PUNCT
aijbe-441	20	37	one	one	NUM
aijbe-441	20	38	of	of	ADP
aijbe-441	20	39	which	which	PRON
aijbe-441	20	40	is	be	AUX
aijbe-441	20	41	electronic	electronic	ADJ
aijbe-441	20	42	banking	banking	NOUN
aijbe-441	20	43	(	(	PUNCT
aijbe-441	20	44	acha	acha	PROPN
aijbe-441	20	45	,	,	PUNCT
aijbe-441	20	46	2008	2008	NUM
aijbe-441	20	47	)	)	PUNCT
aijbe-441	20	48	.	.	PUNCT
aijbe-441	21	1	the	the	DET
aijbe-441	21	2	concept	concept	NOUN
aijbe-441	21	3	of	of	ADP
aijbe-441	21	4	electronic	electronic	ADJ
aijbe-441	21	5	banking	banking	NOUN
aijbe-441	21	6	(	(	PUNCT
aijbe-441	21	7	e	e	NOUN
aijbe-441	21	8	-	-	NOUN
aijbe-441	21	9	banking	banking	NOUN
aijbe-441	21	10	)	)	PUNCT
aijbe-441	21	11	,	,	PUNCT
aijbe-441	21	12	according	accord	VERB
aijbe-441	21	13	to	to	ADP
aijbe-441	21	14	batchelor	batchelor	PROPN
aijbe-441	21	15	(	(	PUNCT
aijbe-441	21	16	2017	2017	NUM
aijbe-441	21	17	)	)	PUNCT
aijbe-441	21	18	,	,	PUNCT
aijbe-441	21	19	began	begin	VERB
aijbe-441	21	20	in	in	ADP
aijbe-441	21	21	the	the	DET
aijbe-441	21	22	mid-1970s	mid-1970	NOUN
aijbe-441	21	23	.	.	PUNCT
aijbe-441	22	1	however	however	ADV
aijbe-441	22	2	,	,	PUNCT
aijbe-441	22	3	due	due	ADP
aijbe-441	22	4	to	to	ADP
aijbe-441	22	5	lack	lack	NOUN
aijbe-441	22	6	of	of	ADP
aijbe-441	22	7	internet	internet	NOUN
aijbe-441	22	8	users	user	NOUN
aijbe-441	22	9	,	,	PUNCT
aijbe-441	22	10	coupled	couple	VERB
aijbe-441	22	11	with	with	ADP
aijbe-441	22	12	the	the	DET
aijbe-441	22	13	cost	cost	NOUN
aijbe-441	22	14	associated	associate	VERB
aijbe-441	22	15	with	with	ADP
aijbe-441	22	16	offering	offer	VERB
aijbe-441	22	17	electronic	electronic	ADJ
aijbe-441	22	18	banking	banking	NOUN
aijbe-441	22	19	services	service	NOUN
aijbe-441	22	20	,	,	PUNCT
aijbe-441	22	21	its	its	PRON
aijbe-441	22	22	growth	growth	NOUN
aijbe-441	22	23	was	be	AUX
aijbe-441	22	24	hindered	hinder	VERB
aijbe-441	22	25	.	.	PUNCT
aijbe-441	23	1	but	but	CCONJ
aijbe-441	23	2	,	,	PUNCT
aijbe-441	23	3	following	follow	VERB
aijbe-441	23	4	the	the	DET
aijbe-441	23	5	internet	internet	NOUN
aijbe-441	23	6	explosion	explosion	NOUN
aijbe-441	23	7	in	in	ADP
aijbe-441	23	8	the	the	DET
aijbe-441	23	9	late	late	ADJ
aijbe-441	23	10	1990s	1990	NOUN
aijbe-441	23	11	,	,	PUNCT
aijbe-441	23	12	e	e	X
aijbe-441	23	13	-	-	NOUN
aijbe-441	23	14	banking	banking	NOUN
aijbe-441	23	15	received	receive	VERB
aijbe-441	23	16	a	a	DET
aijbe-441	23	17	boost	boost	NOUN
aijbe-441	23	18	and	and	CCONJ
aijbe-441	23	19	bounced	bounce	VERB
aijbe-441	23	20	back	back	ADP
aijbe-441	23	21	,	,	PUNCT
aijbe-441	23	22	as	as	SCONJ
aijbe-441	23	23	many	many	ADJ
aijbe-441	23	24	people	people	NOUN
aijbe-441	23	25	became	become	VERB
aijbe-441	23	26	more	more	ADV
aijbe-441	23	27	comfortable	comfortable	ADJ
aijbe-441	23	28	with	with	ADP
aijbe-441	23	29	monetary	monetary	ADJ
aijbe-441	23	30	transactions	transaction	NOUN
aijbe-441	23	31	on	on	ADP
aijbe-441	23	32	the	the	DET
aijbe-441	23	33	web	web	NOUN
aijbe-441	23	34	.	.	PUNCT
aijbe-441	24	1	since	since	SCONJ
aijbe-441	24	2	then	then	ADV
aijbe-441	24	3	,	,	PUNCT
aijbe-441	24	4	adoption	adoption	NOUN
aijbe-441	24	5	of	of	ADP
aijbe-441	24	6	e	e	NOUN
aijbe-441	24	7	-	-	NOUN
aijbe-441	24	8	banking	banking	NOUN
aijbe-441	24	9	has	have	AUX
aijbe-441	24	10	continued	continue	VERB
aijbe-441	24	11	to	to	PART
aijbe-441	24	12	increase	increase	VERB
aijbe-441	24	13	.	.	PUNCT
aijbe-441	25	1	in	in	ADP
aijbe-441	25	2	nigeria	nigeria	PROPN
aijbe-441	25	3	,	,	PUNCT
aijbe-441	25	4	electronic	electronic	ADJ
aijbe-441	25	5	banking	banking	NOUN
aijbe-441	25	6	began	begin	VERB
aijbe-441	25	7	in	in	ADP
aijbe-441	25	8	the	the	DET
aijbe-441	25	9	1980s	1980	NOUN
aijbe-441	25	10	,	,	PUNCT
aijbe-441	25	11	when	when	SCONJ
aijbe-441	25	12	automated	automate	VERB
aijbe-441	25	13	teller	teller	NOUN
aijbe-441	25	14	machines	machine	NOUN
aijbe-441	25	15	(	(	PUNCT
aijbe-441	25	16	atms	atms	PROPN
aijbe-441	25	17	)	)	PUNCT
aijbe-441	25	18	were	be	AUX
aijbe-441	25	19	introduced	introduce	VERB
aijbe-441	25	20	by	by	ADP
aijbe-441	25	21	some	some	DET
aijbe-441	25	22	banks	bank	NOUN
aijbe-441	25	23	.	.	PUNCT
aijbe-441	26	1	this	this	PRON
aijbe-441	26	2	was	be	AUX
aijbe-441	26	3	followed	follow	VERB
aijbe-441	26	4	by	by	ADP
aijbe-441	26	5	tele	tele	PROPN
aijbe-441	26	6	-	-	PUNCT
aijbe-441	26	7	banking	banking	NOUN
aijbe-441	26	8	,	,	PUNCT
aijbe-441	26	9	introduced	introduce	VERB
aijbe-441	26	10	in	in	ADP
aijbe-441	26	11	the	the	DET
aijbe-441	26	12	1990s	1990s	NUM
aijbe-441	26	13	among	among	ADP
aijbe-441	26	14	corporate	corporate	ADJ
aijbe-441	26	15	customers	customer	NOUN
aijbe-441	26	16	.	.	PUNCT
aijbe-441	27	1	quoting	quote	VERB
aijbe-441	27	2	zarma	zarma	PROPN
aijbe-441	27	3	(	(	PUNCT
aijbe-441	27	4	2001	2001	NUM
aijbe-441	27	5	)	)	PUNCT
aijbe-441	27	6	,	,	PUNCT
aijbe-441	27	7	acha	acha	PROPN
aijbe-441	27	8	(	(	PUNCT
aijbe-441	27	9	2008	2008	NUM
aijbe-441	27	10	)	)	PUNCT
aijbe-441	27	11	noted	note	VERB
aijbe-441	27	12	that	that	SCONJ
aijbe-441	27	13	corporate	corporate	ADJ
aijbe-441	27	14	customers	customer	NOUN
aijbe-441	27	15	also	also	ADV
aijbe-441	27	16	enjoyed	enjoy	VERB
aijbe-441	27	17	the	the	DET
aijbe-441	27	18	introduction	introduction	NOUN
aijbe-441	27	19	of	of	ADP
aijbe-441	27	20	intranet	intranet	NOUN
aijbe-441	27	21	banking	banking	NOUN
aijbe-441	27	22	,	,	PUNCT
aijbe-441	27	23	which	which	PRON
aijbe-441	27	24	provided	provide	VERB
aijbe-441	27	25	them	they	PRON
aijbe-441	27	26	the	the	DET
aijbe-441	27	27	opportunity	opportunity	NOUN
aijbe-441	27	28	of	of	ADP
aijbe-441	27	29	transacting	transact	VERB
aijbe-441	27	30	business	business	NOUN
aijbe-441	27	31	with	with	ADP
aijbe-441	27	32	their	their	PRON
aijbe-441	27	33	banks	bank	NOUN
aijbe-441	27	34	through	through	ADP
aijbe-441	27	35	the	the	DET
aijbe-441	27	36	use	use	NOUN
aijbe-441	27	37	of	of	ADP
aijbe-441	27	38	personal	personal	ADJ
aijbe-441	27	39	computers	computer	NOUN
aijbe-441	27	40	.	.	PUNCT
aijbe-441	28	1	then	then	ADV
aijbe-441	28	2	later	later	ADV
aijbe-441	28	3	on	on	ADV
aijbe-441	28	4	,	,	PUNCT
aijbe-441	28	5	different	different	ADJ
aijbe-441	28	6	forms	form	NOUN
aijbe-441	28	7	of	of	ADP
aijbe-441	28	8	smart	smart	ADJ
aijbe-441	28	9	cards	card	NOUN
aijbe-441	28	10	were	be	AUX
aijbe-441	28	11	introduced	introduce	VERB
aijbe-441	28	12	in	in	ADP
aijbe-441	28	13	to	to	ADP
aijbe-441	28	14	the	the	DET
aijbe-441	28	15	nigerian	nigerian	ADJ
aijbe-441	28	16	electronic	electronic	ADJ
aijbe-441	28	17	banking	banking	NOUN
aijbe-441	28	18	environment	environment	NOUN
aijbe-441	28	19	.	.	PUNCT
aijbe-441	29	1	today	today	NOUN
aijbe-441	29	2	,	,	PUNCT
aijbe-441	29	3	a	a	DET
aijbe-441	29	4	wide	wide	ADJ
aijbe-441	29	5	range	range	NOUN
aijbe-441	29	6	of	of	ADP
aijbe-441	29	7	electronic	electronic	ADJ
aijbe-441	29	8	banking	banking	NOUN
aijbe-441	29	9	services	service	NOUN
aijbe-441	29	10	are	be	AUX
aijbe-441	29	11	offered	offer	VERB
aijbe-441	29	12	by	by	ADP
aijbe-441	29	13	nigerian	nigerian	ADJ
aijbe-441	29	14	banks	bank	NOUN
aijbe-441	29	15	such	such	ADJ
aijbe-441	29	16	as	as	ADP
aijbe-441	29	17	mobile	mobile	ADJ
aijbe-441	29	18	banking	banking	NOUN
aijbe-441	29	19	,	,	PUNCT
aijbe-441	29	20	internet	internet	NOUN
aijbe-441	29	21	banking	banking	NOUN
aijbe-441	29	22	,	,	PUNCT
aijbe-441	29	23	point	point	NOUN
aijbe-441	29	24	of	of	ADP
aijbe-441	29	25	sales	sale	NOUN
aijbe-441	29	26	(	(	PUNCT
aijbe-441	29	27	pos	pos	NOUN
aijbe-441	29	28	)	)	PUNCT
aijbe-441	29	29	,	,	PUNCT
aijbe-441	29	30	etc	etc	X
aijbe-441	29	31	.	.	X
aijbe-441	30	1	the	the	DET
aijbe-441	30	2	emergence	emergence	NOUN
aijbe-441	30	3	of	of	ADP
aijbe-441	30	4	e	e	NOUN
aijbe-441	30	5	-	-	NOUN
aijbe-441	30	6	banking	banking	NOUN
aijbe-441	30	7	in	in	ADP
aijbe-441	30	8	nigeria	nigeria	PROPN
aijbe-441	30	9	has	have	AUX
aijbe-441	30	10	greatly	greatly	ADV
aijbe-441	30	11	helped	help	VERB
aijbe-441	30	12	deposit	deposit	VERB
aijbe-441	30	13	money	money	NOUN
aijbe-441	30	14	banks	bank	NOUN
aijbe-441	30	15	to	to	PART
aijbe-441	30	16	enhance	enhance	VERB
aijbe-441	30	17	their	their	PRON
aijbe-441	30	18	performance	performance	NOUN
aijbe-441	30	19	.	.	PUNCT
aijbe-441	31	1	it	it	PRON
aijbe-441	31	2	has	have	AUX
aijbe-441	31	3	helped	help	VERB
aijbe-441	31	4	them	they	PRON
aijbe-441	31	5	to	to	PART
aijbe-441	31	6	reduce	reduce	VERB
aijbe-441	31	7	their	their	PRON
aijbe-441	31	8	cost	cost	NOUN
aijbe-441	31	9	of	of	ADP
aijbe-441	31	10	operation	operation	NOUN
aijbe-441	31	11	and	and	CCONJ
aijbe-441	31	12	then	then	ADV
aijbe-441	31	13	make	make	VERB
aijbe-441	31	14	more	more	ADJ
aijbe-441	31	15	profit	profit	NOUN
aijbe-441	31	16	(	(	PUNCT
aijbe-441	31	17	jimoh	jimoh	ADJ
aijbe-441	31	18	,	,	PUNCT
aijbe-441	31	19	2019	2019	NUM
aijbe-441	31	20	)	)	PUNCT
aijbe-441	31	21	.	.	PUNCT
aijbe-441	32	1	ebanking	ebanke	VERB
aijbe-441	32	2	is	be	AUX
aijbe-441	32	3	increasingly	increasingly	ADV
aijbe-441	32	4	playing	play	VERB
aijbe-441	32	5	a	a	DET
aijbe-441	32	6	great	great	ADJ
aijbe-441	32	7	role	role	NOUN
aijbe-441	32	8	in	in	ADP
aijbe-441	32	9	determining	determine	VERB
aijbe-441	32	10	how	how	SCONJ
aijbe-441	32	11	banks	bank	NOUN
aijbe-441	32	12	profitably	profitably	ADV
aijbe-441	32	13	serve	serve	VERB
aijbe-441	32	14	their	their	PRON
aijbe-441	32	15	customers	customer	NOUN
aijbe-441	32	16	in	in	ADP
aijbe-441	32	17	nigeria	nigeria	PROPN
aijbe-441	32	18	.	.	PUNCT
aijbe-441	33	1	it	it	PRON
aijbe-441	33	2	has	have	AUX
aijbe-441	33	3	brought	bring	VERB
aijbe-441	33	4	an	an	DET
aijbe-441	33	5	average	average	ADJ
aijbe-441	33	6	customer	customer	NOUN
aijbe-441	33	7	,	,	PUNCT
aijbe-441	33	8	a	a	DET
aijbe-441	33	9	convenient	convenient	ADJ
aijbe-441	33	10	way	way	NOUN
aijbe-441	33	11	of	of	ADP
aijbe-441	33	12	handling	handle	VERB
aijbe-441	33	13	financial	financial	ADJ
aijbe-441	33	14	transactions	transaction	NOUN
aijbe-441	33	15	(	(	PUNCT
aijbe-441	33	16	mapharing	mapharing	NOUN
aijbe-441	33	17	&	&	CCONJ
aijbe-441	33	18	basuhi	basuhi	NOUN
aijbe-441	33	19	,	,	PUNCT
aijbe-441	33	20	2017	2017	NUM
aijbe-441	33	21	)	)	PUNCT
aijbe-441	33	22	1.2	1.2	NUM
aijbe-441	33	23	statement	statement	NOUN
aijbe-441	33	24	of	of	ADP
aijbe-441	33	25	the	the	DET
aijbe-441	33	26	problem	problem	NOUN
aijbe-441	33	27	electronic	electronic	ADJ
aijbe-441	33	28	banking	banking	NOUN
aijbe-441	33	29	is	be	AUX
aijbe-441	33	30	gaining	gain	VERB
aijbe-441	33	31	acceptance	acceptance	NOUN
aijbe-441	33	32	and	and	CCONJ
aijbe-441	33	33	popularity	popularity	NOUN
aijbe-441	33	34	in	in	ADP
aijbe-441	33	35	nigeria	nigeria	PROPN
aijbe-441	33	36	.	.	PUNCT
aijbe-441	34	1	this	this	PRON
aijbe-441	34	2	is	be	AUX
aijbe-441	34	3	reflected	reflect	VERB
aijbe-441	34	4	in	in	ADP
aijbe-441	34	5	the	the	DET
aijbe-441	34	6	huge	huge	ADJ
aijbe-441	34	7	volume	volume	NOUN
aijbe-441	34	8	of	of	ADP
aijbe-441	34	9	financial	financial	ADJ
aijbe-441	34	10	transactions	transaction	NOUN
aijbe-441	34	11	done	do	VERB
aijbe-441	34	12	through	through	ADP
aijbe-441	34	13	electronic	electronic	ADJ
aijbe-441	34	14	channels	channel	NOUN
aijbe-441	34	15	(	(	PUNCT
aijbe-441	34	16	enoruwa	enoruwa	ADJ
aijbe-441	34	17	,	,	PUNCT
aijbe-441	34	18	ezuem	ezuem	ADJ
aijbe-441	34	19	&	&	CCONJ
aijbe-441	34	20	nwani	nwani	NOUN
aijbe-441	34	21	,	,	PUNCT
aijbe-441	34	22	2019	2019	NUM
aijbe-441	34	23	)	)	PUNCT
aijbe-441	34	24	.	.	PUNCT
aijbe-441	35	1	the	the	DET
aijbe-441	35	2	inefficiency	inefficiency	NOUN
aijbe-441	35	3	in	in	ADP
aijbe-441	35	4	service	service	NOUN
aijbe-441	35	5	delivery	delivery	NOUN
aijbe-441	35	6	,	,	PUNCT
aijbe-441	35	7	which	which	PRON
aijbe-441	35	8	characterized	characterize	VERB
aijbe-441	35	9	the	the	DET
aijbe-441	35	10	traditional	traditional	ADJ
aijbe-441	35	11	banking	banking	NOUN
aijbe-441	35	12	system	system	NOUN
aijbe-441	35	13	,	,	PUNCT
aijbe-441	35	14	led	lead	VERB
aijbe-441	35	15	to	to	ADP
aijbe-441	35	16	the	the	DET
aijbe-441	35	17	emergence	emergence	NOUN
aijbe-441	35	18	of	of	ADP
aijbe-441	35	19	electronic	electronic	ADJ
aijbe-441	35	20	banking	banking	NOUN
aijbe-441	35	21	.	.	PUNCT
aijbe-441	36	1	however	however	ADV
aijbe-441	36	2	,	,	PUNCT
aijbe-441	36	3	the	the	DET
aijbe-441	36	4	introduction	introduction	NOUN
aijbe-441	36	5	of	of	ADP
aijbe-441	36	6	electronic	electronic	ADJ
aijbe-441	36	7	banking	banking	NOUN
aijbe-441	36	8	for	for	ADP
aijbe-441	36	9	the	the	DET
aijbe-441	36	10	purpose	purpose	NOUN
aijbe-441	36	11	of	of	ADP
aijbe-441	36	12	delivering	deliver	VERB
aijbe-441	36	13	affective	affective	ADJ
aijbe-441	36	14	and	and	CCONJ
aijbe-441	36	15	efficient	efficient	ADJ
aijbe-441	36	16	service	service	NOUN
aijbe-441	36	17	to	to	ADP
aijbe-441	36	18	customers	customer	NOUN
aijbe-441	36	19	rather	rather	ADV
aijbe-441	36	20	brought	bring	VERB
aijbe-441	36	21	disappointments	disappointment	NOUN
aijbe-441	36	22	to	to	ADP
aijbe-441	36	23	the	the	DET
aijbe-441	36	24	customer	customer	NOUN
aijbe-441	36	25	(	(	PUNCT
aijbe-441	36	26	sigyanbola	sigyanbola	PROPN
aijbe-441	36	27	,	,	PUNCT
aijbe-441	36	28	2013	2013	NUM
aijbe-441	36	29	)	)	PUNCT
aijbe-441	36	30	.	.	PUNCT
aijbe-441	37	1	there	there	PRON
aijbe-441	37	2	are	be	VERB
aijbe-441	37	3	issues	issue	NOUN
aijbe-441	37	4	of	of	ADP
aijbe-441	37	5	network	network	NOUN
aijbe-441	37	6	failure	failure	NOUN
aijbe-441	37	7	,	,	PUNCT
aijbe-441	37	8	fraud	fraud	NOUN
aijbe-441	37	9	,	,	PUNCT
aijbe-441	37	10	unreliable	unreliable	ADJ
aijbe-441	37	11	machines	machine	NOUN
aijbe-441	37	12	,	,	PUNCT
aijbe-441	37	13	etc	etc	X
aijbe-441	37	14	.	.	X
aijbe-441	37	15	(	(	PUNCT
aijbe-441	37	16	agbaje	agbaje	NOUN
aijbe-441	37	17	&	&	CCONJ
aijbe-441	37	18	ayanbadejo	ayanbadejo	PROPN
aijbe-441	37	19	,	,	PUNCT
aijbe-441	37	20	2013).with	2013).with	NUM
aijbe-441	37	21	these	these	DET
aijbe-441	37	22	disappointments	disappointment	NOUN
aijbe-441	37	23	,	,	PUNCT
aijbe-441	37	24	it	it	PRON
aijbe-441	37	25	is	be	AUX
aijbe-441	37	26	unclear	unclear	ADJ
aijbe-441	37	27	if	if	SCONJ
aijbe-441	37	28	electronic	electronic	ADJ
aijbe-441	37	29	banking	banking	NOUN
aijbe-441	37	30	is	be	AUX
aijbe-441	37	31	actually	actually	ADV
aijbe-441	37	32	helping	help	VERB
aijbe-441	37	33	banks	bank	NOUN
aijbe-441	37	34	in	in	ADP
aijbe-441	37	35	their	their	PRON
aijbe-441	37	36	marketing	marketing	NOUN
aijbe-441	37	37	effort	effort	NOUN
aijbe-441	37	38	to	to	PART
aijbe-441	37	39	acquire	acquire	VERB
aijbe-441	37	40	new	new	ADJ
aijbe-441	37	41	customers	customer	NOUN
aijbe-441	37	42	.	.	PUNCT
aijbe-441	38	1	although	although	SCONJ
aijbe-441	38	2	many	many	ADJ
aijbe-441	38	3	studies	study	NOUN
aijbe-441	38	4	have	have	AUX
aijbe-441	38	5	been	be	AUX
aijbe-441	38	6	done	do	VERB
aijbe-441	38	7	to	to	PART
aijbe-441	38	8	ascertain	ascertain	VERB
aijbe-441	38	9	the	the	DET
aijbe-441	38	10	contributions	contribution	NOUN
aijbe-441	38	11	of	of	ADP
aijbe-441	38	12	electronic	electronic	ADJ
aijbe-441	38	13	banking	banking	NOUN
aijbe-441	38	14	to	to	ADP
aijbe-441	38	15	the	the	DET
aijbe-441	38	16	performance	performance	NOUN
aijbe-441	38	17	of	of	ADP
aijbe-441	38	18	banks	bank	NOUN
aijbe-441	38	19	in	in	ADP
aijbe-441	38	20	nigeria	nigeria	PROPN
aijbe-441	38	21	(	(	PUNCT
aijbe-441	38	22	deekor	deekor	ADJ
aijbe-441	38	23	,	,	PUNCT
aijbe-441	38	24	2021	2021	NUM
aijbe-441	38	25	;	;	PUNCT
aijbe-441	38	26	kabir	kabir	PROPN
aijbe-441	38	27	,	,	PUNCT
aijbe-441	38	28	kurfi	kurfi	PROPN
aijbe-441	38	29	&	&	CCONJ
aijbe-441	38	30	isa	isa	PROPN
aijbe-441	38	31	,	,	PUNCT
aijbe-441	38	32	2021	2021	NUM
aijbe-441	38	33	;	;	PUNCT
aijbe-441	38	34	ekele	ekele	PROPN
aijbe-441	38	35	&	&	CCONJ
aijbe-441	38	36	ukpata	ukpata	PROPN
aijbe-441	38	37	,	,	PUNCT
aijbe-441	38	38	2020	2020	NUM
aijbe-441	38	39	;	;	PUNCT
aijbe-441	38	40	aduaka	aduaka	PROPN
aijbe-441	38	41	&	&	CCONJ
aijbe-441	38	42	awolusi	awolusi	PROPN
aijbe-441	38	43	,	,	PUNCT
aijbe-441	38	44	2020	2020	NUM
aijbe-441	38	45	;	;	PUNCT
aijbe-441	38	46	jimoh	jimoh	ADJ
aijbe-441	38	47	,	,	PUNCT
aijbe-441	38	48	2019	2019	NUM
aijbe-441	38	49	;	;	PUNCT
aijbe-441	38	50	enoruwa	enoruwa	ADJ
aijbe-441	38	51	,	,	PUNCT
aijbe-441	38	52	ezuem	ezuem	ADJ
aijbe-441	38	53	&	&	CCONJ
aijbe-441	38	54	nwani	nwani	NOUN
aijbe-441	38	55	;	;	PUNCT
aijbe-441	38	56	2019	2019	NUM
aijbe-441	38	57	;	;	PUNCT
aijbe-441	38	58	ajayi&enitolo	ajayi&enitolo	PROPN
aijbe-441	38	59	,	,	PUNCT
aijbe-441	38	60	2016	2016	NUM
aijbe-441	38	61	;	;	PUNCT
aijbe-441	38	62	ojokuku	ojokuku	PROPN
aijbe-441	38	63	&	&	CCONJ
aijbe-441	38	64	sajuyigbe	sajuyigbe	PROPN
aijbe-441	38	65	,	,	PUNCT
aijbe-441	38	66	2012	2012	NUM
aijbe-441	38	67	)	)	PUNCT
aijbe-441	38	68	,	,	PUNCT
aijbe-441	38	69	however	however	ADV
aijbe-441	38	70	,	,	PUNCT
aijbe-441	38	71	most	most	ADJ
aijbe-441	38	72	of	of	ADP
aijbe-441	38	73	these	these	DET
aijbe-441	38	74	studies	study	NOUN
aijbe-441	38	75	focused	focus	VERB
aijbe-441	38	76	on	on	ADP
aijbe-441	38	77	financial	financial	ADJ
aijbe-441	38	78	performance	performance	NOUN
aijbe-441	38	79	.	.	PUNCT
aijbe-441	39	1	no	no	DET
aijbe-441	39	2	study	study	NOUN
aijbe-441	39	3	was	be	AUX
aijbe-441	39	4	found	find	VERB
aijbe-441	39	5	on	on	ADP
aijbe-441	39	6	the	the	DET
aijbe-441	39	7	influence	influence	NOUN
aijbe-441	39	8	of	of	ADP
aijbe-441	39	9	electronic	electronic	ADJ
aijbe-441	39	10	banking	banking	NOUN
aijbe-441	39	11	on	on	ADP
aijbe-441	39	12	marketing	marketing	NOUN
aijbe-441	39	13	performance	performance	NOUN
aijbe-441	39	14	of	of	ADP
aijbe-441	39	15	banks	bank	NOUN
aijbe-441	39	16	in	in	ADP
aijbe-441	39	17	nigeria	nigeria	PROPN
aijbe-441	39	18	.	.	PUNCT
aijbe-441	40	1	this	this	PRON
aijbe-441	40	2	creates	create	VERB
aijbe-441	40	3	a	a	DET
aijbe-441	40	4	gap	gap	NOUN
aijbe-441	40	5	in	in	ADP
aijbe-441	40	6	literature	literature	NOUN
aijbe-441	40	7	.	.	PUNCT
aijbe-441	41	1	this	this	DET
aijbe-441	41	2	study	study	NOUN
aijbe-441	41	3	therefore	therefore	ADV
aijbe-441	41	4	contributes	contribute	VERB
aijbe-441	41	5	to	to	ADP
aijbe-441	41	6	closing	close	VERB
aijbe-441	41	7	the	the	DET
aijbe-441	41	8	gap	gap	NOUN
aijbe-441	41	9	by	by	ADP
aijbe-441	41	10	investigating	investigate	VERB
aijbe-441	41	11	the	the	DET
aijbe-441	41	12	influence	influence	NOUN
aijbe-441	41	13	of	of	ADP
aijbe-441	41	14	electronic	electronic	ADJ
aijbe-441	41	15	banking	banking	NOUN
aijbe-441	41	16	(	(	PUNCT
aijbe-441	41	17	represented	represent	VERB
aijbe-441	41	18	by	by	ADP
aijbe-441	41	19	automated	automate	VERB
aijbe-441	41	20	teller	teller	NOUN
aijbe-441	41	21	machine	machine	NOUN
aijbe-441	41	22	(	(	PUNCT
aijbe-441	41	23	atm	atm	NOUN
aijbe-441	41	24	)	)	PUNCT
aijbe-441	41	25	,	,	PUNCT
aijbe-441	41	26	point	point	NOUN
aijbe-441	41	27	of	of	ADP
aijbe-441	41	28	sales	sale	NOUN
aijbe-441	41	29	(	(	PUNCT
aijbe-441	41	30	pos	pos	NOUN
aijbe-441	41	31	)	)	PUNCT
aijbe-441	41	32	,	,	PUNCT
aijbe-441	41	33	internet	internet	NOUN
aijbe-441	41	34	banking	banking	NOUN
aijbe-441	41	35	and	and	CCONJ
aijbe-441	41	36	mobile	mobile	ADJ
aijbe-441	41	37	banking	banking	NOUN
aijbe-441	41	38	)	)	PUNCT
aijbe-441	41	39	on	on	ADP
aijbe-441	41	40	marketing	marketing	NOUN
aijbe-441	41	41	performance	performance	NOUN
aijbe-441	41	42	(	(	PUNCT
aijbe-441	41	43	represented	represent	VERB
aijbe-441	41	44	by	by	ADP
aijbe-441	41	45	customer	customer	NOUN
aijbe-441	41	46	acquisition	acquisition	NOUN
aijbe-441	41	47	)	)	PUNCT
aijbe-441	41	48	ofdeposit	ofdeposit	VERB
aijbe-441	41	49	money	money	NOUN
aijbe-441	41	50	banks	bank	NOUN
aijbe-441	41	51	in	in	ADP
aijbe-441	41	52	uyo	uyo	NOUN
aijbe-441	41	53	,	,	PUNCT
aijbe-441	41	54	akwa	akwa	ADJ
aijbe-441	41	55	ibom	ibom	ADJ
aijbe-441	41	56	state	state	NOUN
aijbe-441	41	57	.	.	PUNCT
aijbe-441	42	1	1.3	1.3	NUM
aijbe-441	42	2	objectives	objective	NOUN
aijbe-441	42	3	of	of	ADP
aijbe-441	42	4	the	the	DET
aijbe-441	42	5	study	study	NOUN
aijbe-441	42	6	the	the	DET
aijbe-441	42	7	main	main	ADJ
aijbe-441	42	8	objective	objective	NOUN
aijbe-441	42	9	of	of	ADP
aijbe-441	42	10	the	the	DET
aijbe-441	42	11	study	study	NOUN
aijbe-441	42	12	was	be	AUX
aijbe-441	42	13	to	to	PART
aijbe-441	42	14	investigate	investigate	VERB
aijbe-441	42	15	the	the	DET
aijbe-441	42	16	influence	influence	NOUN
aijbe-441	42	17	of	of	ADP
aijbe-441	42	18	electronic	electronic	ADJ
aijbe-441	42	19	banking	banking	NOUN
aijbe-441	42	20	on	on	ADP
aijbe-441	42	21	marketing	marketing	NOUN
aijbe-441	42	22	performance	performance	NOUN
aijbe-441	42	23	of	of	ADP
aijbe-441	42	24	deposit	deposit	NOUN
aijbe-441	42	25	money	money	NOUN
aijbe-441	42	26	banks	bank	NOUN
aijbe-441	42	27	in	in	ADP
aijbe-441	42	28	uyo	uyo	NOUN
aijbe-441	42	29	,	,	PUNCT
aijbe-441	42	30	akwa	akwa	ADJ
aijbe-441	42	31	ibom	ibom	ADJ
aijbe-441	42	32	state	state	NOUN
aijbe-441	42	33	.	.	PUNCT
aijbe-441	43	1	the	the	DET
aijbe-441	43	2	specific	specific	ADJ
aijbe-441	43	3	objectives	objective	NOUN
aijbe-441	43	4	of	of	ADP
aijbe-441	43	5	the	the	DET
aijbe-441	43	6	study	study	NOUN
aijbe-441	43	7	were	be	AUX
aijbe-441	43	8	to	to	ADP
aijbe-441	43	9	;	;	PUNCT
aijbe-441	43	10	dr	dr	PROPN
aijbe-441	43	11	.	.	PROPN
aijbe-441	43	12	aniebiet	aniebiet	PROPN
aijbe-441	43	13	etuk	etuk	PROPN
aijbe-441	43	14	,	,	PUNCT
aijbe-441	43	15	aniefiok	aniefiok	PROPN
aijbe-441	43	16	okon	okon	PROPN
aijbe-441	43	17	akpan	akpan	PROPN
aijbe-441	43	18	and	and	CCONJ
aijbe-441	43	19	aniekan	aniekan	PROPN
aijbe-441	43	20	eyo	eyo	PROPN
aijbe-441	43	21	awah	awah	PROPN
aijbe-441	43	22	(	(	PUNCT
aijbe-441	43	23	2023	2023	NUM
aijbe-441	43	24	)	)	PUNCT
aijbe-441	43	25	25	25	NUM
aijbe-441	43	26	american	american	ADJ
aijbe-441	43	27	interdisciplinary	interdisciplinary	ADJ
aijbe-441	43	28	journal	journal	NOUN
aijbe-441	43	29	of	of	ADP
aijbe-441	43	30	business	business	NOUN
aijbe-441	43	31	and	and	CCONJ
aijbe-441	43	32	economics	economic	NOUN
aijbe-441	43	33	|	|	ADV
aijbe-441	43	34	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	AUX
aijbe-441	43	35	(	(	PUNCT
aijbe-441	43	36	i	i	NOUN
aijbe-441	43	37	)	)	PUNCT
aijbe-441	43	38	assess	assess	VERB
aijbe-441	43	39	the	the	DET
aijbe-441	43	40	influence	influence	NOUN
aijbe-441	43	41	of	of	ADP
aijbe-441	43	42	automated	automate	VERB
aijbe-441	43	43	teller	teller	NOUN
aijbe-441	43	44	machine	machine	NOUN
aijbe-441	43	45	(	(	PUNCT
aijbe-441	43	46	atm	atm	PROPN
aijbe-441	43	47	)	)	PUNCT
aijbe-441	43	48	on	on	ADP
aijbe-441	43	49	marketing	marketing	NOUN
aijbe-441	43	50	performance	performance	NOUN
aijbe-441	43	51	(	(	PUNCT
aijbe-441	43	52	customer	customer	NOUN
aijbe-441	43	53	acquisition	acquisition	NOUN
aijbe-441	43	54	)	)	PUNCT
aijbe-441	43	55	of	of	ADP
aijbe-441	43	56	deposit	deposit	NOUN
aijbe-441	43	57	money	money	NOUN
aijbe-441	43	58	banks	bank	NOUN
aijbe-441	43	59	in	in	ADP
aijbe-441	43	60	uyo	uyo	NOUN
aijbe-441	43	61	,	,	PUNCT
aijbe-441	43	62	akwa	akwa	ADJ
aijbe-441	43	63	ibom	ibom	ADJ
aijbe-441	43	64	state	state	NOUN
aijbe-441	43	65	.	.	PUNCT
aijbe-441	44	1	(	(	PUNCT
aijbe-441	44	2	ii	ii	NOUN
aijbe-441	44	3	)	)	PUNCT
aijbe-441	44	4	investigate	investigate	VERB
aijbe-441	44	5	the	the	DET
aijbe-441	44	6	influence	influence	NOUN
aijbe-441	44	7	of	of	ADP
aijbe-441	44	8	point	point	NOUN
aijbe-441	44	9	of	of	ADP
aijbe-441	44	10	sales	sale	NOUN
aijbe-441	44	11	(	(	PUNCT
aijbe-441	44	12	pos	pos	NOUN
aijbe-441	44	13	)	)	PUNCT
aijbe-441	44	14	on	on	ADP
aijbe-441	44	15	marketing	marketing	NOUN
aijbe-441	44	16	performance	performance	NOUN
aijbe-441	44	17	(	(	PUNCT
aijbe-441	44	18	customer	customer	NOUN
aijbe-441	44	19	acquisition	acquisition	NOUN
aijbe-441	44	20	)	)	PUNCT
aijbe-441	44	21	of	of	ADP
aijbe-441	44	22	deposit	deposit	NOUN
aijbe-441	44	23	money	money	NOUN
aijbe-441	44	24	banks	bank	NOUN
aijbe-441	44	25	in	in	ADP
aijbe-441	44	26	uyo	uyo	NOUN
aijbe-441	44	27	,	,	PUNCT
aijbe-441	44	28	akwa	akwa	ADJ
aijbe-441	44	29	ibom	ibom	ADJ
aijbe-441	44	30	state	state	NOUN
aijbe-441	44	31	(	(	PUNCT
aijbe-441	44	32	iii	iii	NOUN
aijbe-441	44	33	)	)	PUNCT
aijbe-441	44	34	examine	examine	VERB
aijbe-441	44	35	the	the	DET
aijbe-441	44	36	influence	influence	NOUN
aijbe-441	44	37	of	of	ADP
aijbe-441	44	38	internet	internet	NOUN
aijbe-441	44	39	banking	banking	NOUN
aijbe-441	44	40	on	on	ADP
aijbe-441	44	41	marketing	marketing	NOUN
aijbe-441	44	42	performance	performance	NOUN
aijbe-441	44	43	(	(	PUNCT
aijbe-441	44	44	customer	customer	NOUN
aijbe-441	44	45	acquisition	acquisition	NOUN
aijbe-441	44	46	)	)	PUNCT
aijbe-441	44	47	of	of	ADP
aijbe-441	44	48	deposit	deposit	NOUN
aijbe-441	44	49	money	money	NOUN
aijbe-441	44	50	banks	bank	NOUN
aijbe-441	44	51	in	in	ADP
aijbe-441	44	52	uyo	uyo	NOUN
aijbe-441	44	53	,	,	PUNCT
aijbe-441	44	54	akwa	akwa	ADJ
aijbe-441	44	55	ibom	ibom	ADJ
aijbe-441	44	56	state	state	NOUN
aijbe-441	44	57	(	(	PUNCT
aijbe-441	44	58	iv	iv	NOUN
aijbe-441	44	59	)	)	PUNCT
aijbe-441	44	60	ascertain	ascertain	VERB
aijbe-441	44	61	the	the	DET
aijbe-441	44	62	influence	influence	NOUN
aijbe-441	44	63	of	of	ADP
aijbe-441	44	64	mobile	mobile	ADJ
aijbe-441	44	65	banking	banking	NOUN
aijbe-441	44	66	on	on	ADP
aijbe-441	44	67	marketing	marketing	NOUN
aijbe-441	44	68	performance	performance	NOUN
aijbe-441	44	69	(	(	PUNCT
aijbe-441	44	70	customer	customer	NOUN
aijbe-441	44	71	acquisition	acquisition	NOUN
aijbe-441	44	72	)	)	PUNCT
aijbe-441	44	73	of	of	ADP
aijbe-441	44	74	deposit	deposit	NOUN
aijbe-441	44	75	money	money	NOUN
aijbe-441	44	76	banks	bank	NOUN
aijbe-441	44	77	in	in	ADP
aijbe-441	44	78	uyo	uyo	NOUN
aijbe-441	44	79	,	,	PUNCT
aijbe-441	44	80	akwa	akwa	ADJ
aijbe-441	44	81	ibom	ibom	ADJ
aijbe-441	44	82	state	state	NOUN
aijbe-441	44	83	.	.	PUNCT
aijbe-441	45	1	1.4	1.4	NUM
aijbe-441	45	2	research	research	NOUN
aijbe-441	45	3	questions	question	NOUN
aijbe-441	45	4	the	the	DET
aijbe-441	45	5	following	follow	VERB
aijbe-441	45	6	research	research	NOUN
aijbe-441	45	7	questions	question	NOUN
aijbe-441	45	8	were	be	AUX
aijbe-441	45	9	raised	raise	VERB
aijbe-441	45	10	:	:	PUNCT
aijbe-441	46	1	1	1	X
aijbe-441	46	2	.	.	X
aijbe-441	46	3	how	how	SCONJ
aijbe-441	46	4	does	do	AUX
aijbe-441	46	5	automated	automate	VERB
aijbe-441	46	6	teller	teller	NOUN
aijbe-441	46	7	machine	machine	NOUN
aijbe-441	46	8	(	(	PUNCT
aijbe-441	46	9	atm	atm	NOUN
aijbe-441	46	10	)	)	PUNCT
aijbe-441	46	11	influence	influence	NOUN
aijbe-441	46	12	marketing	marketing	NOUN
aijbe-441	46	13	performance	performance	NOUN
aijbe-441	46	14	of	of	ADP
aijbe-441	46	15	deposit	deposit	NOUN
aijbe-441	46	16	money	money	NOUN
aijbe-441	46	17	banks	bank	NOUN
aijbe-441	46	18	in	in	ADP
aijbe-441	46	19	uyo	uyo	NOUN
aijbe-441	46	20	,	,	PUNCT
aijbe-441	46	21	akwa	akwa	ADJ
aijbe-441	46	22	ibom	ibom	ADJ
aijbe-441	46	23	state	state	NOUN
aijbe-441	46	24	?	?	PUNCT
aijbe-441	47	1	2	2	X
aijbe-441	47	2	.	.	X
aijbe-441	47	3	what	what	PRON
aijbe-441	47	4	influence	influence	NOUN
aijbe-441	47	5	does	do	AUX
aijbe-441	47	6	point	point	NOUN
aijbe-441	47	7	of	of	ADP
aijbe-441	47	8	sales	sale	NOUN
aijbe-441	47	9	(	(	PUNCT
aijbe-441	47	10	pos	pos	NOUN
aijbe-441	47	11	)	)	PUNCT
aijbe-441	47	12	have	have	VERB
aijbe-441	47	13	on	on	ADP
aijbe-441	47	14	marketing	marketing	NOUN
aijbe-441	47	15	performance	performance	NOUN
aijbe-441	47	16	of	of	ADP
aijbe-441	47	17	deposit	deposit	NOUN
aijbe-441	47	18	money	money	NOUN
aijbe-441	47	19	banks	bank	NOUN
aijbe-441	47	20	in	in	ADP
aijbe-441	47	21	uyo	uyo	NOUN
aijbe-441	47	22	,	,	PUNCT
aijbe-441	47	23	akwa	akwa	ADJ
aijbe-441	47	24	ibom	ibom	ADJ
aijbe-441	47	25	state	state	NOUN
aijbe-441	47	26	?	?	PUNCT
aijbe-441	48	1	3	3	X
aijbe-441	48	2	.	.	X
aijbe-441	48	3	to	to	ADP
aijbe-441	48	4	what	what	DET
aijbe-441	48	5	extent	extent	NOUN
aijbe-441	48	6	does	do	VERB
aijbe-441	48	7	internet	internet	NOUN
aijbe-441	48	8	banking	banking	NOUN
aijbe-441	48	9	influence	influence	NOUN
aijbe-441	48	10	marketing	marketing	NOUN
aijbe-441	48	11	performance	performance	NOUN
aijbe-441	48	12	of	of	ADP
aijbe-441	48	13	deposit	deposit	NOUN
aijbe-441	48	14	money	money	NOUN
aijbe-441	48	15	banks	bank	NOUN
aijbe-441	48	16	in	in	ADP
aijbe-441	48	17	uyo	uyo	NOUN
aijbe-441	48	18	,	,	PUNCT
aijbe-441	48	19	akwa	akwa	ADJ
aijbe-441	48	20	ibom	ibom	ADJ
aijbe-441	48	21	state	state	NOUN
aijbe-441	48	22	?	?	PUNCT
aijbe-441	49	1	4	4	X
aijbe-441	49	2	.	.	X
aijbe-441	50	1	what	what	PRON
aijbe-441	50	2	influence	influence	NOUN
aijbe-441	50	3	does	do	AUX
aijbe-441	50	4	mobile	mobile	NOUN
aijbe-441	50	5	banking	banking	NOUN
aijbe-441	50	6	have	have	VERB
aijbe-441	50	7	on	on	ADP
aijbe-441	50	8	marketing	marketing	NOUN
aijbe-441	50	9	performance	performance	NOUN
aijbe-441	50	10	of	of	ADP
aijbe-441	50	11	deposit	deposit	NOUN
aijbe-441	50	12	money	money	NOUN
aijbe-441	50	13	banks	bank	NOUN
aijbe-441	50	14	in	in	ADP
aijbe-441	50	15	uyo	uyo	NOUN
aijbe-441	50	16	,	,	PUNCT
aijbe-441	50	17	akwa	akwa	ADJ
aijbe-441	50	18	ibom	ibom	ADJ
aijbe-441	50	19	state	state	NOUN
aijbe-441	50	20	?	?	PUNCT
aijbe-441	51	1	1.5	1.5	NUM
aijbe-441	51	2	hypotheses	hypothesis	NOUN
aijbe-441	51	3	of	of	ADP
aijbe-441	51	4	the	the	DET
aijbe-441	51	5	study	study	NOUN
aijbe-441	51	6	the	the	DET
aijbe-441	51	7	following	follow	VERB
aijbe-441	51	8	null	null	ADJ
aijbe-441	51	9	hypotheses	hypothesis	NOUN
aijbe-441	51	10	were	be	AUX
aijbe-441	51	11	formulated	formulate	VERB
aijbe-441	51	12	to	to	PART
aijbe-441	51	13	guide	guide	VERB
aijbe-441	51	14	the	the	DET
aijbe-441	51	15	study	study	NOUN
aijbe-441	51	16	:	:	PUNCT
aijbe-441	51	17	hoi	hoi	PROPN
aijbe-441	51	18	:	:	PUNCT
aijbe-441	51	19	automated	automate	VERB
aijbe-441	51	20	teller	teller	NOUN
aijbe-441	51	21	machine	machine	NOUN
aijbe-441	51	22	(	(	PUNCT
aijbe-441	51	23	atm	atm	NOUN
aijbe-441	51	24	)	)	PUNCT
aijbe-441	51	25	has	have	VERB
aijbe-441	51	26	no	no	DET
aijbe-441	51	27	significant	significant	ADJ
aijbe-441	51	28	influence	influence	NOUN
aijbe-441	51	29	on	on	ADP
aijbe-441	51	30	marketing	marketing	NOUN
aijbe-441	51	31	performance	performance	NOUN
aijbe-441	51	32	of	of	ADP
aijbe-441	51	33	deposit	deposit	NOUN
aijbe-441	51	34	money	money	NOUN
aijbe-441	51	35	banks	bank	NOUN
aijbe-441	51	36	in	in	ADP
aijbe-441	51	37	uyo	uyo	NOUN
aijbe-441	51	38	,	,	PUNCT
aijbe-441	51	39	akwa	akwa	ADJ
aijbe-441	51	40	ibom	ibom	ADJ
aijbe-441	51	41	state	state	NOUN
aijbe-441	51	42	.	.	PUNCT
aijbe-441	52	1	ho2	ho2	NOUN
aijbe-441	52	2	:	:	PUNCT
aijbe-441	52	3	point	point	NOUN
aijbe-441	52	4	of	of	ADP
aijbe-441	52	5	sales	sale	NOUN
aijbe-441	52	6	(	(	PUNCT
aijbe-441	52	7	pos	pos	NOUN
aijbe-441	52	8	)	)	PUNCT
aijbe-441	52	9	does	do	AUX
aijbe-441	52	10	not	not	PART
aijbe-441	52	11	significantly	significantly	ADV
aijbe-441	52	12	influence	influence	VERB
aijbe-441	52	13	marketing	marketing	NOUN
aijbe-441	52	14	performance	performance	NOUN
aijbe-441	52	15	of	of	ADP
aijbe-441	52	16	deposit	deposit	NOUN
aijbe-441	52	17	money	money	NOUN
aijbe-441	52	18	banks	bank	NOUN
aijbe-441	52	19	in	in	ADP
aijbe-441	52	20	uyo	uyo	NOUN
aijbe-441	52	21	,	,	PUNCT
aijbe-441	52	22	akwa	akwa	ADJ
aijbe-441	52	23	ibom	ibom	ADJ
aijbe-441	52	24	state	state	NOUN
aijbe-441	52	25	.	.	PUNCT
aijbe-441	53	1	ho3	ho3	NOUN
aijbe-441	53	2	:	:	PUNCT
aijbe-441	53	3	internet	internet	NOUN
aijbe-441	53	4	banking	banking	NOUN
aijbe-441	53	5	does	do	AUX
aijbe-441	53	6	not	not	PART
aijbe-441	53	7	significantly	significantly	ADV
aijbe-441	53	8	influence	influence	VERB
aijbe-441	53	9	marketing	marketing	NOUN
aijbe-441	53	10	performance	performance	NOUN
aijbe-441	53	11	of	of	ADP
aijbe-441	53	12	deposit	deposit	NOUN
aijbe-441	53	13	money	money	NOUN
aijbe-441	53	14	banks	bank	NOUN
aijbe-441	53	15	in	in	ADP
aijbe-441	53	16	uyo	uyo	NOUN
aijbe-441	53	17	,	,	PUNCT
aijbe-441	53	18	akwa	akwa	ADJ
aijbe-441	53	19	ibom	ibom	ADJ
aijbe-441	53	20	state	state	NOUN
aijbe-441	53	21	.	.	PUNCT
aijbe-441	54	1	ho4	ho4	NOUN
aijbe-441	54	2	:	:	PUNCT
aijbe-441	54	3	mobile	mobile	ADJ
aijbe-441	54	4	banking	banking	NOUN
aijbe-441	54	5	has	have	VERB
aijbe-441	54	6	no	no	DET
aijbe-441	54	7	significant	significant	ADJ
aijbe-441	54	8	influence	influence	NOUN
aijbe-441	54	9	on	on	ADP
aijbe-441	54	10	marketing	marketing	NOUN
aijbe-441	54	11	performance	performance	NOUN
aijbe-441	54	12	of	of	ADP
aijbe-441	54	13	deposit	deposit	NOUN
aijbe-441	54	14	money	money	NOUN
aijbe-441	54	15	banks	bank	NOUN
aijbe-441	54	16	in	in	ADP
aijbe-441	54	17	uyo	uyo	NOUN
aijbe-441	54	18	,	,	PUNCT
aijbe-441	54	19	akwa	akwa	ADJ
aijbe-441	54	20	ibom	ibom	ADJ
aijbe-441	54	21	state	state	NOUN
aijbe-441	54	22	.	.	PUNCT
aijbe-441	55	1	1.6	1.6	NUM
aijbe-441	55	2	significance	significance	NOUN
aijbe-441	55	3	of	of	ADP
aijbe-441	55	4	the	the	DET
aijbe-441	55	5	study	study	NOUN
aijbe-441	55	6	this	this	DET
aijbe-441	55	7	study	study	NOUN
aijbe-441	55	8	focuses	focus	VERB
aijbe-441	55	9	on	on	ADP
aijbe-441	55	10	the	the	DET
aijbe-441	55	11	influence	influence	NOUN
aijbe-441	55	12	of	of	ADP
aijbe-441	55	13	electronic	electronic	ADJ
aijbe-441	55	14	banking	banking	NOUN
aijbe-441	55	15	on	on	ADP
aijbe-441	55	16	marketing	marketing	NOUN
aijbe-441	55	17	performance	performance	NOUN
aijbe-441	55	18	of	of	ADP
aijbe-441	55	19	deposit	deposit	NOUN
aijbe-441	55	20	money	money	NOUN
aijbe-441	55	21	banks	bank	NOUN
aijbe-441	55	22	in	in	ADP
aijbe-441	55	23	uyo	uyo	NOUN
aijbe-441	55	24	,	,	PUNCT
aijbe-441	55	25	akwa	akwa	ADJ
aijbe-441	55	26	ibom	ibom	ADJ
aijbe-441	55	27	state	state	NOUN
aijbe-441	55	28	.	.	PUNCT
aijbe-441	56	1	the	the	DET
aijbe-441	56	2	outcome	outcome	NOUN
aijbe-441	56	3	of	of	ADP
aijbe-441	56	4	the	the	DET
aijbe-441	56	5	study	study	NOUN
aijbe-441	56	6	will	will	AUX
aijbe-441	56	7	help	help	VERB
aijbe-441	56	8	deposit	deposit	VERB
aijbe-441	56	9	money	money	NOUN
aijbe-441	56	10	banks	bank	NOUN
aijbe-441	56	11	to	to	PART
aijbe-441	56	12	adjust	adjust	VERB
aijbe-441	56	13	their	their	PRON
aijbe-441	56	14	e	e	NOUN
aijbe-441	56	15	-	-	ADJ
aijbe-441	56	16	banking	banking	ADJ
aijbe-441	56	17	strategies	strategy	NOUN
aijbe-441	56	18	to	to	PART
aijbe-441	56	19	acquire	acquire	VERB
aijbe-441	56	20	more	more	ADJ
aijbe-441	56	21	customers	customer	NOUN
aijbe-441	56	22	.	.	PUNCT
aijbe-441	57	1	this	this	PRON
aijbe-441	57	2	will	will	AUX
aijbe-441	57	3	no	no	ADV
aijbe-441	57	4	doubt	doubt	ADV
aijbe-441	57	5	enhance	enhance	VERB
aijbe-441	57	6	their	their	PRON
aijbe-441	57	7	profitabilityand	profitabilityand	NOUN
aijbe-441	57	8	overall	overall	ADJ
aijbe-441	57	9	performance	performance	NOUN
aijbe-441	57	10	.	.	PUNCT
aijbe-441	58	1	the	the	DET
aijbe-441	58	2	study	study	NOUN
aijbe-441	58	3	will	will	AUX
aijbe-441	58	4	also	also	ADV
aijbe-441	58	5	add	add	VERB
aijbe-441	58	6	to	to	ADP
aijbe-441	58	7	the	the	DET
aijbe-441	58	8	body	body	NOUN
aijbe-441	58	9	of	of	ADP
aijbe-441	58	10	knowledge	knowledge	NOUN
aijbe-441	58	11	in	in	ADP
aijbe-441	58	12	electronic	electronic	ADJ
aijbe-441	58	13	banking	banking	NOUN
aijbe-441	58	14	.	.	PUNCT
aijbe-441	59	1	1.7	1.7	NUM
aijbe-441	59	2	scope	scope	NOUN
aijbe-441	59	3	of	of	ADP
aijbe-441	59	4	the	the	DET
aijbe-441	59	5	study	study	NOUN
aijbe-441	59	6	the	the	DET
aijbe-441	59	7	study	study	NOUN
aijbe-441	59	8	covered	cover	VERB
aijbe-441	59	9	the	the	DET
aijbe-441	59	10	period	period	NOUN
aijbe-441	59	11	2013	2013	NUM
aijbe-441	59	12	to	to	ADP
aijbe-441	59	13	2022	2022	NUM
aijbe-441	59	14	,	,	PUNCT
aijbe-441	59	15	and	and	CCONJ
aijbe-441	59	16	considered	consider	VERB
aijbe-441	59	17	four	four	NUM
aijbe-441	59	18	major	major	ADJ
aijbe-441	59	19	e	e	NOUN
aijbe-441	59	20	-	-	ADJ
aijbe-441	59	21	barking	bark	VERB
aijbe-441	59	22	channels	channel	NOUN
aijbe-441	59	23	namely	namely	ADV
aijbe-441	59	24	automated	automate	VERB
aijbe-441	59	25	teller	teller	NOUN
aijbe-441	59	26	machine	machine	NOUN
aijbe-441	59	27	(	(	PUNCT
aijbe-441	59	28	atm	atm	NOUN
aijbe-441	59	29	)	)	PUNCT
aijbe-441	59	30	,	,	PUNCT
aijbe-441	59	31	point	point	NOUN
aijbe-441	59	32	of	of	ADP
aijbe-441	59	33	sales	sale	NOUN
aijbe-441	59	34	(	(	PUNCT
aijbe-441	59	35	pos	pos	NOUN
aijbe-441	59	36	)	)	PUNCT
aijbe-441	59	37	,	,	PUNCT
aijbe-441	59	38	internet	internet	NOUN
aijbe-441	59	39	banking	banking	NOUN
aijbe-441	59	40	and	and	CCONJ
aijbe-441	59	41	mobile	mobile	ADJ
aijbe-441	59	42	banking	banking	NOUN
aijbe-441	59	43	.	.	PUNCT
aijbe-441	60	1	it	it	PRON
aijbe-441	60	2	focused	focus	VERB
aijbe-441	60	3	on	on	ADP
aijbe-441	60	4	marketing	marketing	NOUN
aijbe-441	60	5	performance	performance	NOUN
aijbe-441	60	6	in	in	ADP
aijbe-441	60	7	term	term	NOUN
aijbe-441	60	8	of	of	ADP
aijbe-441	60	9	customer	customer	NOUN
aijbe-441	60	10	acquisition	acquisition	NOUN
aijbe-441	60	11	.	.	PUNCT
aijbe-441	61	1	the	the	DET
aijbe-441	61	2	study	study	NOUN
aijbe-441	61	3	concentrated	concentrate	VERB
aijbe-441	61	4	on	on	ADP
aijbe-441	61	5	four	four	NUM
aijbe-441	61	6	deposit	deposit	NOUN
aijbe-441	61	7	money	money	NOUN
aijbe-441	61	8	banks	bank	NOUN
aijbe-441	61	9	in	in	ADP
aijbe-441	61	10	uyo	uyo	PROPN
aijbe-441	61	11	metropolis	metropolis	NOUN
aijbe-441	61	12	namely	namely	ADV
aijbe-441	61	13	,	,	PUNCT
aijbe-441	61	14	first	first	ADJ
aijbe-441	61	15	bank	bank	PROPN
aijbe-441	61	16	of	of	ADP
aijbe-441	61	17	nigeria	nigeria	PROPN
aijbe-441	61	18	plc	plc	PROPN
aijbe-441	61	19	,	,	PUNCT
aijbe-441	61	20	zenith	zenith	PROPN
aijbe-441	61	21	bank	bank	PROPN
aijbe-441	61	22	plc	plc	PROPN
aijbe-441	61	23	,	,	PUNCT
aijbe-441	61	24	united	united	PROPN
aijbe-441	61	25	bank	bank	PROPN
aijbe-441	61	26	for	for	ADP
aijbe-441	61	27	african	african	PROPN
aijbe-441	61	28	plc	plc	PROPN
aijbe-441	61	29	,	,	PUNCT
aijbe-441	61	30	and	and	CCONJ
aijbe-441	61	31	guaranty	guaranty	PROPN
aijbe-441	61	32	trust	trust	PROPN
aijbe-441	61	33	bank	bank	PROPN
aijbe-441	61	34	plc	plc	PROPN
aijbe-441	61	35	.	.	PUNCT
aijbe-441	62	1	dr	dr	PROPN
aijbe-441	62	2	.	.	PROPN
aijbe-441	62	3	aniebiet	aniebiet	PROPN
aijbe-441	62	4	etuk	etuk	PROPN
aijbe-441	62	5	,	,	PUNCT
aijbe-441	62	6	aniefiok	aniefiok	PROPN
aijbe-441	62	7	okon	okon	PROPN
aijbe-441	62	8	akpan	akpan	PROPN
aijbe-441	62	9	and	and	CCONJ
aijbe-441	62	10	aniekan	aniekan	PROPN
aijbe-441	62	11	eyo	eyo	PROPN
aijbe-441	62	12	awah	awah	PROPN
aijbe-441	62	13	(	(	PUNCT
aijbe-441	62	14	2023	2023	NUM
aijbe-441	62	15	)	)	PUNCT
aijbe-441	62	16	26	26	NUM
aijbe-441	62	17	american	american	ADJ
aijbe-441	62	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	62	19	journal	journal	NOUN
aijbe-441	62	20	of	of	ADP
aijbe-441	62	21	business	business	NOUN
aijbe-441	62	22	and	and	CCONJ
aijbe-441	62	23	economics	economic	NOUN
aijbe-441	62	24	|	|	ADV
aijbe-441	62	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	62	26	literature	literature	NOUN
aijbe-441	62	27	review	review	NOUN
aijbe-441	62	28	2.1	2.1	NUM
aijbe-441	62	29	conceptual	conceptual	ADJ
aijbe-441	62	30	review	review	NOUN
aijbe-441	62	31	2.1.1electronic	2.1.1electronic	ADJ
aijbe-441	62	32	banking	banking	NOUN
aijbe-441	62	33	electronic	electronic	ADJ
aijbe-441	62	34	banking	banking	NOUN
aijbe-441	62	35	involves	involve	VERB
aijbe-441	62	36	the	the	DET
aijbe-441	62	37	use	use	NOUN
aijbe-441	62	38	of	of	ADP
aijbe-441	62	39	electronic	electronic	ADJ
aijbe-441	62	40	channels	channel	NOUN
aijbe-441	62	41	and	and	CCONJ
aijbe-441	62	42	devices	device	NOUN
aijbe-441	62	43	to	to	PART
aijbe-441	62	44	perform	perform	VERB
aijbe-441	62	45	banking	banking	NOUN
aijbe-441	62	46	operations	operation	NOUN
aijbe-441	62	47	.	.	PUNCT
aijbe-441	63	1	it	it	PRON
aijbe-441	63	2	can	can	AUX
aijbe-441	63	3	remotely	remotely	ADV
aijbe-441	63	4	deliver	deliver	VERB
aijbe-441	63	5	financial	financial	ADJ
aijbe-441	63	6	services	service	NOUN
aijbe-441	63	7	to	to	ADP
aijbe-441	63	8	bank	bank	NOUN
aijbe-441	63	9	customers	customer	NOUN
aijbe-441	63	10	(	(	PUNCT
aijbe-441	63	11	ekele	ekele	PROPN
aijbe-441	63	12	&	&	CCONJ
aijbe-441	63	13	sunday	sunday	PROPN
aijbe-441	63	14	,	,	PUNCT
aijbe-441	63	15	2020	2020	NUM
aijbe-441	63	16	)	)	PUNCT
aijbe-441	63	17	.	.	PUNCT
aijbe-441	64	1	electronic	electronic	ADJ
aijbe-441	64	2	banking	banking	NOUN
aijbe-441	64	3	is	be	AUX
aijbe-441	64	4	an	an	DET
aijbe-441	64	5	innovative	innovative	ADJ
aijbe-441	64	6	solution	solution	NOUN
aijbe-441	64	7	to	to	ADP
aijbe-441	64	8	financial	financial	ADJ
aijbe-441	64	9	service	service	NOUN
aijbe-441	64	10	delivery	delivery	NOUN
aijbe-441	64	11	that	that	PRON
aijbe-441	64	12	offers	offer	VERB
aijbe-441	64	13	a	a	DET
aijbe-441	64	14	wide	wide	ADJ
aijbe-441	64	15	range	range	NOUN
aijbe-441	64	16	of	of	ADP
aijbe-441	64	17	services	service	NOUN
aijbe-441	64	18	.	.	PUNCT
aijbe-441	65	1	according	accord	VERB
aijbe-441	65	2	to	to	ADP
aijbe-441	65	3	rad	rad	PROPN
aijbe-441	65	4	,	,	PUNCT
aijbe-441	65	5	rasoulian	rasoulian	ADJ
aijbe-441	65	6	,	,	PUNCT
aijbe-441	65	7	mirzaei	mirzaei	PROPN
aijbe-441	65	8	&	&	CCONJ
aijbe-441	65	9	sharifipour	sharifipour	PROPN
aijbe-441	65	10	(	(	PUNCT
aijbe-441	65	11	2017	2017	NUM
aijbe-441	65	12	)	)	PUNCT
aijbe-441	65	13	,	,	PUNCT
aijbe-441	65	14	electronic	electronic	ADJ
aijbe-441	65	15	banking	banking	NOUN
aijbe-441	65	16	offers	offer	VERB
aijbe-441	65	17	such	such	ADJ
aijbe-441	65	18	services	service	NOUN
aijbe-441	65	19	as	as	ADP
aijbe-441	65	20	cash	cash	NOUN
aijbe-441	65	21	withdrawal	withdrawal	NOUN
aijbe-441	65	22	,	,	PUNCT
aijbe-441	65	23	funds	fund	NOUN
aijbe-441	65	24	transfer	transfer	NOUN
aijbe-441	65	25	,	,	PUNCT
aijbe-441	65	26	cash	cash	NOUN
aijbe-441	65	27	deposit	deposit	NOUN
aijbe-441	65	28	,	,	PUNCT
aijbe-441	65	29	balance	balance	NOUN
aijbe-441	65	30	enquiry	enquiry	NOUN
aijbe-441	65	31	,	,	PUNCT
aijbe-441	65	32	account	account	NOUN
aijbe-441	65	33	statement	statement	NOUN
aijbe-441	65	34	,	,	PUNCT
aijbe-441	65	35	signature	signature	NOUN
aijbe-441	65	36	verification	verification	NOUN
aijbe-441	65	37	,	,	PUNCT
aijbe-441	65	38	etc	etc	X
aijbe-441	65	39	.	.	X
aijbe-441	66	1	the	the	DET
aijbe-441	66	2	emergence	emergence	NOUN
aijbe-441	66	3	of	of	ADP
aijbe-441	66	4	electronic	electronic	ADJ
aijbe-441	66	5	banking	banking	NOUN
aijbe-441	66	6	has	have	AUX
aijbe-441	66	7	made	make	VERB
aijbe-441	66	8	business	business	NOUN
aijbe-441	66	9	transactions	transaction	NOUN
aijbe-441	66	10	seamless	seamless	ADJ
aijbe-441	66	11	and	and	CCONJ
aijbe-441	66	12	almost	almost	ADV
aijbe-441	66	13	effortless	effortless	ADJ
aijbe-441	66	14	.	.	PUNCT
aijbe-441	67	1	the	the	DET
aijbe-441	67	2	impact	impact	NOUN
aijbe-441	67	3	is	be	AUX
aijbe-441	67	4	felt	feel	VERB
aijbe-441	67	5	not	not	PART
aijbe-441	67	6	only	only	ADV
aijbe-441	67	7	in	in	ADP
aijbe-441	67	8	the	the	DET
aijbe-441	67	9	banking	banking	NOUN
aijbe-441	67	10	/	/	SYM
aijbe-441	67	11	financial	financial	ADJ
aijbe-441	67	12	sector	sector	NOUN
aijbe-441	67	13	but	but	CCONJ
aijbe-441	67	14	also	also	ADV
aijbe-441	67	15	in	in	ADP
aijbe-441	67	16	the	the	DET
aijbe-441	67	17	entire	entire	ADJ
aijbe-441	67	18	economy	economy	NOUN
aijbe-441	67	19	(	(	PUNCT
aijbe-441	67	20	aduaka	aduaka	PROPN
aijbe-441	67	21	&	&	CCONJ
aijbe-441	67	22	awolusi	awolusi	PROPN
aijbe-441	67	23	,	,	PUNCT
aijbe-441	67	24	2020	2020	NUM
aijbe-441	67	25	)	)	PUNCT
aijbe-441	67	26	.	.	PUNCT
aijbe-441	68	1	the	the	DET
aijbe-441	68	2	major	major	ADJ
aijbe-441	68	3	channels	channel	NOUN
aijbe-441	68	4	of	of	ADP
aijbe-441	68	5	electronic	electronic	ADJ
aijbe-441	68	6	banking	banking	NOUN
aijbe-441	68	7	are	be	AUX
aijbe-441	68	8	automated	automate	VERB
aijbe-441	68	9	teller	teller	NOUN
aijbe-441	68	10	machine	machine	NOUN
aijbe-441	68	11	,	,	PUNCT
aijbe-441	68	12	point	point	NOUN
aijbe-441	68	13	of	of	ADP
aijbe-441	68	14	sales	sale	NOUN
aijbe-441	68	15	,	,	PUNCT
aijbe-441	68	16	internet	internet	NOUN
aijbe-441	68	17	banking	banking	NOUN
aijbe-441	68	18	and	and	CCONJ
aijbe-441	68	19	mobile	mobile	ADJ
aijbe-441	68	20	banking	banking	NOUN
aijbe-441	68	21	(	(	PUNCT
aijbe-441	68	22	demaki	demaki	NOUN
aijbe-441	68	23	,	,	PUNCT
aijbe-441	68	24	eromafuru	eromafuru	PROPN
aijbe-441	68	25	&	&	CCONJ
aijbe-441	68	26	festus	festus	PROPN
aijbe-441	68	27	,	,	PUNCT
aijbe-441	68	28	2021	2021	NUM
aijbe-441	68	29	)	)	PUNCT
aijbe-441	68	30	.	.	PUNCT
aijbe-441	69	1	these	these	DET
aijbe-441	69	2	channels	channel	NOUN
aijbe-441	69	3	are	be	AUX
aijbe-441	69	4	used	use	VERB
aijbe-441	69	5	as	as	ADP
aijbe-441	69	6	measures	measure	NOUN
aijbe-441	69	7	of	of	ADP
aijbe-441	69	8	electronic	electronic	ADJ
aijbe-441	69	9	banking	banking	NOUN
aijbe-441	69	10	in	in	ADP
aijbe-441	69	11	this	this	DET
aijbe-441	69	12	study	study	NOUN
aijbe-441	69	13	.	.	PUNCT
aijbe-441	70	1	automated	automate	VERB
aijbe-441	70	2	teller	teller	NOUN
aijbe-441	70	3	machine	machine	NOUN
aijbe-441	70	4	(	(	PUNCT
aijbe-441	70	5	atm	atm	NOUN
aijbe-441	70	6	)	)	PUNCT
aijbe-441	70	7	atm	atm	NOUN
aijbe-441	70	8	is	be	AUX
aijbe-441	70	9	an	an	DET
aijbe-441	70	10	electronic	electronic	ADJ
aijbe-441	70	11	machine	machine	NOUN
aijbe-441	70	12	that	that	PRON
aijbe-441	70	13	has	have	VERB
aijbe-441	70	14	record	record	NOUN
aijbe-441	70	15	-	-	PUNCT
aijbe-441	70	16	keeping	keep	VERB
aijbe-441	70	17	system	system	NOUN
aijbe-441	70	18	and	and	CCONJ
aijbe-441	70	19	vault	vault	NOUN
aijbe-441	70	20	,	,	PUNCT
aijbe-441	70	21	permitting	permit	VERB
aijbe-441	70	22	bank	bank	NOUN
aijbe-441	70	23	customers	customer	NOUN
aijbe-441	70	24	to	to	PART
aijbe-441	70	25	enter	enter	VERB
aijbe-441	70	26	the	the	DET
aijbe-441	70	27	book	book	NOUN
aijbe-441	70	28	-	-	PUNCT
aijbe-441	70	29	keeping	keep	VERB
aijbe-441	70	30	system	system	NOUN
aijbe-441	70	31	of	of	ADP
aijbe-441	70	32	the	the	DET
aijbe-441	70	33	bank	bank	NOUN
aijbe-441	70	34	through	through	ADP
aijbe-441	70	35	the	the	DET
aijbe-441	70	36	use	use	NOUN
aijbe-441	70	37	of	of	ADP
aijbe-441	70	38	an	an	DET
aijbe-441	70	39	electronic	electronic	ADJ
aijbe-441	70	40	card	card	NOUN
aijbe-441	70	41	,	,	PUNCT
aijbe-441	70	42	having	have	VERB
aijbe-441	70	43	a	a	DET
aijbe-441	70	44	personal	personal	ADJ
aijbe-441	70	45	identification	identification	NOUN
aijbe-441	70	46	number	number	NOUN
aijbe-441	70	47	(	(	PUNCT
aijbe-441	70	48	pin	pin	NOUN
aijbe-441	70	49	)	)	PUNCT
aijbe-441	70	50	,	,	PUNCT
aijbe-441	70	51	and	and	CCONJ
aijbe-441	70	52	providing	provide	VERB
aijbe-441	70	53	customers	customer	NOUN
aijbe-441	70	54	a	a	DET
aijbe-441	70	55	24/7	24/7	NOUN
aijbe-441	70	56	access	access	NOUN
aijbe-441	70	57	to	to	ADP
aijbe-441	70	58	their	their	PRON
aijbe-441	70	59	accounts	account	NOUN
aijbe-441	70	60	(	(	PUNCT
aijbe-441	70	61	deekor	deekor	ADJ
aijbe-441	70	62	,	,	PUNCT
aijbe-441	70	63	2021	2021	NUM
aijbe-441	70	64	;	;	PUNCT
aijbe-441	70	65	jimoh	jimoh	ADJ
aijbe-441	70	66	,	,	PUNCT
aijbe-441	70	67	2019	2019	NUM
aijbe-441	70	68	)	)	PUNCT
aijbe-441	70	69	.	.	PUNCT
aijbe-441	71	1	a	a	DET
aijbe-441	71	2	major	major	ADJ
aijbe-441	71	3	advantage	advantage	NOUN
aijbe-441	71	4	is	be	AUX
aijbe-441	71	5	that	that	SCONJ
aijbe-441	71	6	atm	atm	NOUN
aijbe-441	71	7	does	do	AUX
aijbe-441	71	8	not	not	PART
aijbe-441	71	9	necessarily	necessarily	ADV
aijbe-441	71	10	need	need	VERB
aijbe-441	71	11	to	to	PART
aijbe-441	71	12	be	be	AUX
aijbe-441	71	13	located	locate	VERB
aijbe-441	71	14	within	within	ADP
aijbe-441	71	15	the	the	DET
aijbe-441	71	16	bank	bank	NOUN
aijbe-441	71	17	premises	premise	NOUN
aijbe-441	71	18	.	.	PUNCT
aijbe-441	72	1	it	it	PRON
aijbe-441	72	2	can	can	AUX
aijbe-441	72	3	be	be	AUX
aijbe-441	72	4	located	locate	VERB
aijbe-441	72	5	in	in	ADP
aijbe-441	72	6	stores	store	NOUN
aijbe-441	72	7	,	,	PUNCT
aijbe-441	72	8	shopping	shopping	NOUN
aijbe-441	72	9	malls	mall	NOUN
aijbe-441	72	10	,	,	PUNCT
aijbe-441	72	11	restaurants	restaurant	NOUN
aijbe-441	72	12	,	,	PUNCT
aijbe-441	72	13	fuel	fuel	NOUN
aijbe-441	72	14	stations	station	NOUN
aijbe-441	72	15	,	,	PUNCT
aijbe-441	72	16	open	open	ADJ
aijbe-441	72	17	market	market	NOUN
aijbe-441	72	18	,	,	PUNCT
aijbe-441	72	19	and	and	CCONJ
aijbe-441	72	20	any	any	DET
aijbe-441	72	21	social	social	ADJ
aijbe-441	72	22	place	place	NOUN
aijbe-441	72	23	.	.	PUNCT
aijbe-441	73	1	atm	atm	PROPN
aijbe-441	73	2	permits	permit	VERB
aijbe-441	73	3	bank	bank	NOUN
aijbe-441	73	4	customers	customer	NOUN
aijbe-441	73	5	to	to	PART
aijbe-441	73	6	use	use	VERB
aijbe-441	73	7	any	any	DET
aijbe-441	73	8	other	other	ADJ
aijbe-441	73	9	atm	atm	NOUN
aijbe-441	73	10	around	around	ADP
aijbe-441	73	11	the	the	DET
aijbe-441	73	12	world	world	NOUN
aijbe-441	73	13	to	to	PART
aijbe-441	73	14	conduct	conduct	VERB
aijbe-441	73	15	financial	financial	ADJ
aijbe-441	73	16	transactions	transaction	NOUN
aijbe-441	73	17	.	.	PUNCT
aijbe-441	74	1	it	it	PRON
aijbe-441	74	2	is	be	AUX
aijbe-441	74	3	regarded	regard	VERB
aijbe-441	74	4	as	as	ADP
aijbe-441	74	5	the	the	DET
aijbe-441	74	6	basic	basic	ADJ
aijbe-441	74	7	form	form	NOUN
aijbe-441	74	8	of	of	ADP
aijbe-441	74	9	non	non	ADJ
aijbe-441	74	10	-	-	ADJ
aijbe-441	74	11	branch	branch	ADJ
aijbe-441	74	12	banking	banking	NOUN
aijbe-441	74	13	.	.	PUNCT
aijbe-441	75	1	according	accord	VERB
aijbe-441	75	2	to	to	ADP
aijbe-441	75	3	jegede	jegede	PROPN
aijbe-441	75	4	(	(	PUNCT
aijbe-441	75	5	2014	2014	NUM
aijbe-441	75	6	)	)	PUNCT
aijbe-441	75	7	,	,	PUNCT
aijbe-441	75	8	atm	atm	PROPN
aijbe-441	75	9	has	have	AUX
aijbe-441	75	10	significantly	significantly	ADV
aijbe-441	75	11	enhanced	enhance	VERB
aijbe-441	75	12	the	the	DET
aijbe-441	75	13	performance	performance	NOUN
aijbe-441	75	14	of	of	ADP
aijbe-441	75	15	deposit	deposit	NOUN
aijbe-441	75	16	money	money	NOUN
aijbe-441	75	17	banks	bank	NOUN
aijbe-441	75	18	in	in	ADP
aijbe-441	75	19	nigeria	nigeria	PROPN
aijbe-441	75	20	.	.	PUNCT
aijbe-441	76	1	point	point	NOUN
aijbe-441	76	2	of	of	ADP
aijbe-441	76	3	sales	sale	NOUN
aijbe-441	76	4	(	(	PUNCT
aijbe-441	76	5	pos	pos	NOUN
aijbe-441	76	6	)	)	PUNCT
aijbe-441	76	7	this	this	PRON
aijbe-441	76	8	is	be	AUX
aijbe-441	76	9	a	a	DET
aijbe-441	76	10	retail	retail	ADJ
aijbe-441	76	11	payment	payment	NOUN
aijbe-441	76	12	system	system	NOUN
aijbe-441	76	13	used	use	VERB
aijbe-441	76	14	to	to	PART
aijbe-441	76	15	process	process	VERB
aijbe-441	76	16	card	card	NOUN
aijbe-441	76	17	payments	payment	NOUN
aijbe-441	76	18	using	use	VERB
aijbe-441	76	19	pin	pin	NOUN
aijbe-441	76	20	.	.	PUNCT
aijbe-441	77	1	it	it	PRON
aijbe-441	77	2	can	can	AUX
aijbe-441	77	3	be	be	AUX
aijbe-441	77	4	used	use	VERB
aijbe-441	77	5	to	to	PART
aijbe-441	77	6	make	make	VERB
aijbe-441	77	7	payment	payment	NOUN
aijbe-441	77	8	in	in	ADP
aijbe-441	77	9	retail	retail	ADJ
aijbe-441	77	10	places	place	NOUN
aijbe-441	77	11	like	like	ADP
aijbe-441	77	12	supermarkets	supermarket	NOUN
aijbe-441	77	13	,	,	PUNCT
aijbe-441	77	14	eateries	eatery	NOUN
aijbe-441	77	15	,	,	PUNCT
aijbe-441	77	16	fuel	fuel	NOUN
aijbe-441	77	17	stations	station	NOUN
aijbe-441	77	18	,	,	PUNCT
aijbe-441	77	19	etc	etc	X
aijbe-441	77	20	(	(	PUNCT
aijbe-441	77	21	deekor	deekor	ADJ
aijbe-441	77	22	,	,	PUNCT
aijbe-441	77	23	2021	2021	NUM
aijbe-441	77	24	)	)	PUNCT
aijbe-441	77	25	.	.	PUNCT
aijbe-441	78	1	in	in	ADP
aijbe-441	78	2	nigeria	nigeria	PROPN
aijbe-441	78	3	today	today	NOUN
aijbe-441	78	4	,	,	PUNCT
aijbe-441	78	5	pos	pos	PROPN
aijbe-441	78	6	has	have	AUX
aijbe-441	78	7	become	become	VERB
aijbe-441	78	8	a	a	DET
aijbe-441	78	9	form	form	NOUN
aijbe-441	78	10	of	of	ADP
aijbe-441	78	11	business	business	NOUN
aijbe-441	78	12	,	,	PUNCT
aijbe-441	78	13	where	where	SCONJ
aijbe-441	78	14	people	people	NOUN
aijbe-441	78	15	perform	perform	VERB
aijbe-441	78	16	financial	financial	ADJ
aijbe-441	78	17	transactions	transaction	NOUN
aijbe-441	78	18	such	such	ADJ
aijbe-441	78	19	as	as	ADP
aijbe-441	78	20	cash	cash	NOUN
aijbe-441	78	21	withdrawal	withdrawal	NOUN
aijbe-441	78	22	,	,	PUNCT
aijbe-441	78	23	deposits	deposit	NOUN
aijbe-441	78	24	,	,	PUNCT
aijbe-441	78	25	transfer	transfer	NOUN
aijbe-441	78	26	,	,	PUNCT
aijbe-441	78	27	etc	etc	X
aijbe-441	78	28	.	.	X
aijbe-441	78	29	at	at	ADP
aijbe-441	78	30	a	a	DET
aijbe-441	78	31	fee	fee	NOUN
aijbe-441	78	32	.	.	PUNCT
aijbe-441	79	1	pos	pos	NOUN
aijbe-441	79	2	transfers	transfer	NOUN
aijbe-441	79	3	funds	fund	NOUN
aijbe-441	79	4	from	from	ADP
aijbe-441	79	5	the	the	DET
aijbe-441	79	6	customer	customer	NOUN
aijbe-441	79	7	’s	’s	PART
aijbe-441	79	8	account	account	NOUN
aijbe-441	79	9	to	to	ADP
aijbe-441	79	10	the	the	DET
aijbe-441	79	11	merchant	merchant	NOUN
aijbe-441	79	12	’s	’s	PART
aijbe-441	79	13	account	account	NOUN
aijbe-441	79	14	,	,	PUNCT
aijbe-441	79	15	and	and	CCONJ
aijbe-441	79	16	records	record	VERB
aijbe-441	79	17	every	every	DET
aijbe-441	79	18	transaction	transaction	NOUN
aijbe-441	79	19	.	.	PUNCT
aijbe-441	80	1	it	it	PRON
aijbe-441	80	2	can	can	AUX
aijbe-441	80	3	print	print	VERB
aijbe-441	80	4	receipts	receipt	NOUN
aijbe-441	80	5	if	if	SCONJ
aijbe-441	80	6	needed	need	VERB
aijbe-441	80	7	.	.	PUNCT
aijbe-441	81	1	the	the	DET
aijbe-441	81	2	device	device	NOUN
aijbe-441	81	3	reads	read	VERB
aijbe-441	81	4	information	information	NOUN
aijbe-441	81	5	embedded	embed	VERB
aijbe-441	81	6	in	in	ADP
aijbe-441	81	7	the	the	DET
aijbe-441	81	8	customer	customer	NOUN
aijbe-441	81	9	’s	’s	PART
aijbe-441	81	10	credit	credit	NOUN
aijbe-441	81	11	/	/	SYM
aijbe-441	81	12	debit	debit	NOUN
aijbe-441	81	13	card	card	NOUN
aijbe-441	81	14	,	,	PUNCT
aijbe-441	81	15	checks	check	NOUN
aijbe-441	81	16	if	if	SCONJ
aijbe-441	81	17	funds	fund	NOUN
aijbe-441	81	18	available	available	ADJ
aijbe-441	81	19	in	in	ADP
aijbe-441	81	20	the	the	DET
aijbe-441	81	21	customer	customer	NOUN
aijbe-441	81	22	’s	’s	PART
aijbe-441	81	23	account	account	NOUN
aijbe-441	81	24	are	be	AUX
aijbe-441	81	25	sufficient	sufficient	ADJ
aijbe-441	81	26	,	,	PUNCT
aijbe-441	81	27	and	and	CCONJ
aijbe-441	81	28	then	then	ADV
aijbe-441	81	29	carries	carry	VERB
aijbe-441	81	30	out	out	ADP
aijbe-441	81	31	the	the	DET
aijbe-441	81	32	required	require	VERB
aijbe-441	81	33	transaction	transaction	NOUN
aijbe-441	81	34	.	.	PUNCT
aijbe-441	82	1	internet	internet	NOUN
aijbe-441	82	2	banking	banking	NOUN
aijbe-441	82	3	internet	internet	NOUN
aijbe-441	82	4	banking	banking	NOUN
aijbe-441	82	5	involves	involve	VERB
aijbe-441	82	6	using	use	VERB
aijbe-441	82	7	the	the	DET
aijbe-441	82	8	internet	internet	NOUN
aijbe-441	82	9	to	to	PART
aijbe-441	82	10	conduct	conduct	VERB
aijbe-441	82	11	banking	banking	NOUN
aijbe-441	82	12	activities	activity	NOUN
aijbe-441	82	13	via	via	ADP
aijbe-441	82	14	the	the	DET
aijbe-441	82	15	bank	bank	NOUN
aijbe-441	82	16	’s	’s	PART
aijbe-441	82	17	website	website	NOUN
aijbe-441	82	18	.	.	PUNCT
aijbe-441	83	1	it	it	PRON
aijbe-441	83	2	provides	provide	VERB
aijbe-441	83	3	home	home	NOUN
aijbe-441	83	4	banking	banking	NOUN
aijbe-441	83	5	services	service	NOUN
aijbe-441	83	6	to	to	ADP
aijbe-441	83	7	customers	customer	NOUN
aijbe-441	83	8	.	.	PUNCT
aijbe-441	84	1	(	(	PUNCT
aijbe-441	84	2	demaki	demaki	NOUN
aijbe-441	84	3	,	,	PUNCT
aijbe-441	84	4	eromafuru	eromafuru	PROPN
aijbe-441	84	5	&	&	CCONJ
aijbe-441	84	6	festus	festus	PROPN
aijbe-441	84	7	,	,	PUNCT
aijbe-441	84	8	2021	2021	NUM
aijbe-441	84	9	)	)	PUNCT
aijbe-441	84	10	.	.	PUNCT
aijbe-441	85	1	internet	internet	NOUN
aijbe-441	85	2	banking	banking	NOUN
aijbe-441	85	3	can	can	AUX
aijbe-441	85	4	be	be	AUX
aijbe-441	85	5	done	do	VERB
aijbe-441	85	6	anywhere	anywhere	ADV
aijbe-441	85	7	and	and	CCONJ
aijbe-441	85	8	anytime	anytime	ADV
aijbe-441	85	9	,	,	PUNCT
aijbe-441	85	10	provided	provide	VERB
aijbe-441	85	11	the	the	DET
aijbe-441	85	12	enabling	enable	VERB
aijbe-441	85	13	facilities	facility	NOUN
aijbe-441	85	14	are	be	AUX
aijbe-441	85	15	available	available	ADJ
aijbe-441	85	16	,	,	PUNCT
aijbe-441	85	17	such	such	ADJ
aijbe-441	85	18	as	as	ADP
aijbe-441	85	19	internet	internet	NOUN
aijbe-441	85	20	connection	connection	NOUN
aijbe-441	85	21	and	and	CCONJ
aijbe-441	85	22	personal	personal	ADJ
aijbe-441	85	23	computer	computer	NOUN
aijbe-441	85	24	(	(	PUNCT
aijbe-441	85	25	pc	pc	NOUN
aijbe-441	85	26	)	)	PUNCT
aijbe-441	85	27	.	.	PUNCT
aijbe-441	86	1	according	accord	VERB
aijbe-441	86	2	to	to	ADP
aijbe-441	86	3	hassan	hassan	PROPN
aijbe-441	86	4	,	,	PUNCT
aijbe-441	86	5	mamman	mamman	NOUN
aijbe-441	86	6	&	&	CCONJ
aijbe-441	86	7	farouk	farouk	PROPN
aijbe-441	86	8	(	(	PUNCT
aijbe-441	86	9	2013	2013	NUM
aijbe-441	86	10	)	)	PUNCT
aijbe-441	86	11	,	,	PUNCT
aijbe-441	86	12	internet	internet	NOUN
aijbe-441	86	13	banking	banking	NOUN
aijbe-441	86	14	is	be	AUX
aijbe-441	86	15	used	use	VERB
aijbe-441	86	16	for	for	ADP
aijbe-441	86	17	a	a	DET
aijbe-441	86	18	variety	variety	NOUN
aijbe-441	86	19	of	of	ADP
aijbe-441	86	20	vital	vital	ADJ
aijbe-441	86	21	banking	banking	NOUN
aijbe-441	86	22	services	service	NOUN
aijbe-441	86	23	such	such	ADJ
aijbe-441	86	24	as	as	ADP
aijbe-441	86	25	payment	payment	NOUN
aijbe-441	86	26	for	for	ADP
aijbe-441	86	27	goods	good	NOUN
aijbe-441	86	28	and	and	CCONJ
aijbe-441	86	29	services	service	NOUN
aijbe-441	86	30	,	,	PUNCT
aijbe-441	86	31	funds	fund	NOUN
aijbe-441	86	32	transfer	transfer	NOUN
aijbe-441	86	33	,	,	PUNCT
aijbe-441	86	34	viewing	view	VERB
aijbe-441	86	35	and	and	CCONJ
aijbe-441	86	36	printing	printing	NOUN
aijbe-441	86	37	of	of	ADP
aijbe-441	86	38	account	account	NOUN
aijbe-441	86	39	statement	statement	NOUN
aijbe-441	86	40	,	,	PUNCT
aijbe-441	86	41	etc	etc	X
aijbe-441	86	42	.	.	X
aijbe-441	87	1	dr	dr	PROPN
aijbe-441	87	2	.	.	PROPN
aijbe-441	87	3	aniebiet	aniebiet	PROPN
aijbe-441	87	4	etuk	etuk	PROPN
aijbe-441	87	5	,	,	PUNCT
aijbe-441	87	6	aniefiok	aniefiok	PROPN
aijbe-441	87	7	okon	okon	PROPN
aijbe-441	87	8	akpan	akpan	PROPN
aijbe-441	87	9	and	and	CCONJ
aijbe-441	87	10	aniekan	aniekan	PROPN
aijbe-441	87	11	eyo	eyo	PROPN
aijbe-441	87	12	awah	awah	PROPN
aijbe-441	87	13	(	(	PUNCT
aijbe-441	87	14	2023	2023	NUM
aijbe-441	87	15	)	)	PUNCT
aijbe-441	87	16	27	27	NUM
aijbe-441	87	17	american	american	ADJ
aijbe-441	87	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	87	19	journal	journal	NOUN
aijbe-441	87	20	of	of	ADP
aijbe-441	87	21	business	business	NOUN
aijbe-441	87	22	and	and	CCONJ
aijbe-441	87	23	economics	economic	NOUN
aijbe-441	87	24	|	|	ADV
aijbe-441	87	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	87	26	mobile	mobile	ADJ
aijbe-441	87	27	banking	banking	NOUN
aijbe-441	87	28	mobile	mobile	ADJ
aijbe-441	87	29	banking	banking	NOUN
aijbe-441	87	30	is	be	AUX
aijbe-441	87	31	one	one	NUM
aijbe-441	87	32	of	of	ADP
aijbe-441	87	33	the	the	DET
aijbe-441	87	34	most	most	ADV
aijbe-441	87	35	recent	recent	ADJ
aijbe-441	87	36	forms	form	NOUN
aijbe-441	87	37	of	of	ADP
aijbe-441	87	38	electronic	electronic	ADJ
aijbe-441	87	39	banking	banking	NOUN
aijbe-441	87	40	.	.	PUNCT
aijbe-441	88	1	it	it	PRON
aijbe-441	88	2	involves	involve	VERB
aijbe-441	88	3	the	the	DET
aijbe-441	88	4	use	use	NOUN
aijbe-441	88	5	of	of	ADP
aijbe-441	88	6	mobile	mobile	ADJ
aijbe-441	88	7	devices	device	NOUN
aijbe-441	88	8	such	such	ADJ
aijbe-441	88	9	as	as	ADP
aijbe-441	88	10	mobile	mobile	ADJ
aijbe-441	88	11	phones	phone	NOUN
aijbe-441	88	12	to	to	PART
aijbe-441	88	13	conduct	conduct	VERB
aijbe-441	88	14	banking	banking	NOUN
aijbe-441	88	15	activities	activity	NOUN
aijbe-441	88	16	.	.	PUNCT
aijbe-441	89	1	it	it	PRON
aijbe-441	89	2	can	can	AUX
aijbe-441	89	3	be	be	AUX
aijbe-441	89	4	done	do	VERB
aijbe-441	89	5	with	with	ADP
aijbe-441	89	6	or	or	CCONJ
aijbe-441	89	7	without	without	ADP
aijbe-441	89	8	the	the	DET
aijbe-441	89	9	use	use	NOUN
aijbe-441	89	10	of	of	ADP
aijbe-441	89	11	internet	internet	NOUN
aijbe-441	89	12	.	.	PUNCT
aijbe-441	90	1	it	it	PRON
aijbe-441	90	2	helps	help	VERB
aijbe-441	90	3	to	to	PART
aijbe-441	90	4	process	process	VERB
aijbe-441	90	5	and	and	CCONJ
aijbe-441	90	6	execute	execute	VERB
aijbe-441	90	7	transactions	transaction	NOUN
aijbe-441	90	8	on	on	ADP
aijbe-441	90	9	the	the	DET
aijbe-441	90	10	go	go	NOUN
aijbe-441	90	11	(	(	PUNCT
aijbe-441	90	12	deekor	deekor	ADJ
aijbe-441	90	13	,	,	PUNCT
aijbe-441	90	14	2019	2019	NUM
aijbe-441	90	15	)	)	PUNCT
aijbe-441	90	16	.	.	PUNCT
aijbe-441	91	1	services	service	NOUN
aijbe-441	91	2	that	that	PRON
aijbe-441	91	3	can	can	AUX
aijbe-441	91	4	be	be	AUX
aijbe-441	91	5	performed	perform	VERB
aijbe-441	91	6	using	use	VERB
aijbe-441	91	7	mobile	mobile	ADJ
aijbe-441	91	8	banking	banking	NOUN
aijbe-441	91	9	include	include	VERB
aijbe-441	91	10	among	among	ADP
aijbe-441	91	11	others	other	NOUN
aijbe-441	91	12	,	,	PUNCT
aijbe-441	91	13	payment	payment	NOUN
aijbe-441	91	14	for	for	ADP
aijbe-441	91	15	goods	good	NOUN
aijbe-441	91	16	and	and	CCONJ
aijbe-441	91	17	services	service	NOUN
aijbe-441	91	18	,	,	PUNCT
aijbe-441	91	19	funds	fund	NOUN
aijbe-441	91	20	transfer	transfer	NOUN
aijbe-441	91	21	,	,	PUNCT
aijbe-441	91	22	purchase	purchase	NOUN
aijbe-441	91	23	of	of	ADP
aijbe-441	91	24	airtime	airtime	NOUN
aijbe-441	91	25	/	/	SYM
aijbe-441	91	26	data	datum	NOUN
aijbe-441	91	27	for	for	ADP
aijbe-441	91	28	phone	phone	NOUN
aijbe-441	91	29	,	,	PUNCT
aijbe-441	91	30	credit	credit	NOUN
aijbe-441	91	31	application	application	NOUN
aijbe-441	91	32	,	,	PUNCT
aijbe-441	91	33	and	and	CCONJ
aijbe-441	91	34	checking	checking	NOUN
aijbe-441	91	35	of	of	ADP
aijbe-441	91	36	account	account	NOUN
aijbe-441	91	37	balance	balance	NOUN
aijbe-441	91	38	(	(	PUNCT
aijbe-441	91	39	ndunga	ndunga	NOUN
aijbe-441	91	40	,	,	PUNCT
aijbe-441	91	41	njati	njati	PROPN
aijbe-441	91	42	&	&	CCONJ
aijbe-441	91	43	rukangu	rukangu	PROPN
aijbe-441	91	44	,	,	PUNCT
aijbe-441	91	45	2016	2016	NUM
aijbe-441	91	46	)	)	PUNCT
aijbe-441	91	47	2.1.2marketing	2.1.2markete	VERB
aijbe-441	91	48	performance	performance	NOUN
aijbe-441	91	49	marketing	marketing	NOUN
aijbe-441	91	50	performance	performance	NOUN
aijbe-441	91	51	is	be	AUX
aijbe-441	91	52	simply	simply	ADV
aijbe-441	91	53	the	the	DET
aijbe-441	91	54	results	result	NOUN
aijbe-441	91	55	of	of	ADP
aijbe-441	91	56	marketing	marketing	NOUN
aijbe-441	91	57	activities	activity	NOUN
aijbe-441	91	58	in	in	ADP
aijbe-441	91	59	relation	relation	NOUN
aijbe-441	91	60	to	to	ADP
aijbe-441	91	61	marketing	marketing	NOUN
aijbe-441	91	62	goals	goal	NOUN
aijbe-441	91	63	(	(	PUNCT
aijbe-441	91	64	allocadia	allocadia	PROPN
aijbe-441	91	65	,	,	PUNCT
aijbe-441	91	66	2021	2021	NUM
aijbe-441	91	67	)	)	PUNCT
aijbe-441	91	68	.	.	PUNCT
aijbe-441	92	1	there	there	PRON
aijbe-441	92	2	are	be	VERB
aijbe-441	92	3	many	many	ADJ
aijbe-441	92	4	marketing	marketing	NOUN
aijbe-441	92	5	performance	performance	NOUN
aijbe-441	92	6	measures	measure	NOUN
aijbe-441	92	7	available	available	ADJ
aijbe-441	92	8	in	in	ADP
aijbe-441	92	9	literature	literature	NOUN
aijbe-441	92	10	.	.	PUNCT
aijbe-441	93	1	the	the	DET
aijbe-441	93	2	concern	concern	NOUN
aijbe-441	93	3	is	be	AUX
aijbe-441	93	4	always	always	ADV
aijbe-441	93	5	with	with	ADP
aijbe-441	93	6	the	the	DET
aijbe-441	93	7	one(s	one(s	NOUN
aijbe-441	93	8	)	)	PUNCT
aijbe-441	93	9	to	to	PART
aijbe-441	93	10	choose	choose	VERB
aijbe-441	93	11	(	(	PUNCT
aijbe-441	93	12	gronholdt	gronholdt	PROPN
aijbe-441	93	13	&	&	CCONJ
aijbe-441	93	14	martensen	martensen	PROPN
aijbe-441	93	15	,	,	PUNCT
aijbe-441	93	16	2006	2006	NUM
aijbe-441	93	17	)	)	PUNCT
aijbe-441	93	18	.	.	PUNCT
aijbe-441	94	1	such	such	ADJ
aijbe-441	94	2	measures	measure	NOUN
aijbe-441	94	3	include	include	VERB
aijbe-441	94	4	brand	brand	NOUN
aijbe-441	94	5	awareness	awareness	NOUN
aijbe-441	94	6	,	,	PUNCT
aijbe-441	94	7	customer	customer	NOUN
aijbe-441	94	8	engagement	engagement	NOUN
aijbe-441	94	9	,	,	PUNCT
aijbe-441	94	10	customer	customer	NOUN
aijbe-441	94	11	loyalty/	loyalty/	NUM
aijbe-441	94	12	retention	retention	NOUN
aijbe-441	94	13	,	,	PUNCT
aijbe-441	94	14	customer	customer	NOUN
aijbe-441	94	15	acquisition	acquisition	NOUN
aijbe-441	94	16	,	,	PUNCT
aijbe-441	94	17	revenues	revenue	NOUN
aijbe-441	94	18	and	and	CCONJ
aijbe-441	94	19	sales	sale	NOUN
aijbe-441	94	20	,	,	PUNCT
aijbe-441	94	21	etc	etc	X
aijbe-441	94	22	.	.	X
aijbe-441	95	1	the	the	DET
aijbe-441	95	2	measure	measure	NOUN
aijbe-441	95	3	has	have	VERB
aijbe-441	95	4	to	to	PART
aijbe-441	95	5	be	be	AUX
aijbe-441	95	6	simple	simple	ADJ
aijbe-441	95	7	enough	enough	ADV
aijbe-441	95	8	to	to	PART
aijbe-441	95	9	be	be	AUX
aijbe-441	95	10	useable	useable	ADJ
aijbe-441	95	11	and	and	CCONJ
aijbe-441	95	12	comprehensive	comprehensive	ADJ
aijbe-441	95	13	enough	enough	ADV
aijbe-441	95	14	to	to	PART
aijbe-441	95	15	assess	assess	VERB
aijbe-441	95	16	the	the	DET
aijbe-441	95	17	marketing	marketing	NOUN
aijbe-441	95	18	performance	performance	NOUN
aijbe-441	95	19	.	.	PUNCT
aijbe-441	96	1	however	however	ADV
aijbe-441	96	2	,	,	PUNCT
aijbe-441	96	3	the	the	DET
aijbe-441	96	4	measure	measure	NOUN
aijbe-441	96	5	to	to	PART
aijbe-441	96	6	use	use	VERB
aijbe-441	96	7	depends	depend	VERB
aijbe-441	96	8	on	on	ADP
aijbe-441	96	9	the	the	DET
aijbe-441	96	10	core	core	NOUN
aijbe-441	96	11	objectives	objective	NOUN
aijbe-441	96	12	the	the	DET
aijbe-441	96	13	marketer	marketer	NOUN
aijbe-441	96	14	intends	intend	VERB
aijbe-441	96	15	to	to	PART
aijbe-441	96	16	achieve	achieve	VERB
aijbe-441	96	17	as	as	SCONJ
aijbe-441	96	18	enshrined	enshrine	VERB
aijbe-441	96	19	in	in	ADP
aijbe-441	96	20	the	the	DET
aijbe-441	96	21	marketing	marketing	NOUN
aijbe-441	96	22	plan	plan	NOUN
aijbe-441	96	23	(	(	PUNCT
aijbe-441	96	24	wrike	wrike	NOUN
aijbe-441	96	25	,	,	PUNCT
aijbe-441	96	26	2022	2022	NUM
aijbe-441	96	27	)	)	PUNCT
aijbe-441	96	28	.	.	PUNCT
aijbe-441	97	1	for	for	ADP
aijbe-441	97	2	this	this	DET
aijbe-441	97	3	study	study	NOUN
aijbe-441	97	4	,	,	PUNCT
aijbe-441	97	5	the	the	DET
aijbe-441	97	6	measure	measure	NOUN
aijbe-441	97	7	chosen	choose	VERB
aijbe-441	97	8	is	be	AUX
aijbe-441	97	9	customer	customer	NOUN
aijbe-441	97	10	acquisition	acquisition	NOUN
aijbe-441	97	11	because	because	SCONJ
aijbe-441	97	12	the	the	DET
aijbe-441	97	13	objective	objective	NOUN
aijbe-441	97	14	has	have	VERB
aijbe-441	97	15	to	to	PART
aijbe-441	97	16	do	do	VERB
aijbe-441	97	17	with	with	ADP
aijbe-441	97	18	the	the	DET
aijbe-441	97	19	influence	influence	NOUN
aijbe-441	97	20	of	of	ADP
aijbe-441	97	21	electronic	electronic	ADJ
aijbe-441	97	22	banking	banking	NOUN
aijbe-441	97	23	on	on	ADP
aijbe-441	97	24	marketing	marketing	NOUN
aijbe-441	97	25	efforts	effort	NOUN
aijbe-441	97	26	of	of	ADP
aijbe-441	97	27	banks	bank	NOUN
aijbe-441	97	28	to	to	PART
aijbe-441	97	29	acquire	acquire	VERB
aijbe-441	97	30	new	new	ADJ
aijbe-441	97	31	customers	customer	NOUN
aijbe-441	97	32	.	.	PUNCT
aijbe-441	98	1	2.1.3deposit	2.1.3deposit	ADJ
aijbe-441	98	2	money	money	NOUN
aijbe-441	98	3	banks	bank	NOUN
aijbe-441	98	4	in	in	ADP
aijbe-441	98	5	nigeria	nigeria	PROPN
aijbe-441	98	6	the	the	DET
aijbe-441	98	7	central	central	ADJ
aijbe-441	98	8	bank	bank	PROPN
aijbe-441	98	9	of	of	ADP
aijbe-441	98	10	nigeria	nigeria	PROPN
aijbe-441	98	11	(	(	PUNCT
aijbe-441	98	12	cbn	cbn	PROPN
aijbe-441	98	13	)	)	PUNCT
aijbe-441	98	14	,	,	PUNCT
aijbe-441	98	15	defines	define	VERB
aijbe-441	98	16	deposit	deposit	NOUN
aijbe-441	98	17	money	money	NOUN
aijbe-441	98	18	bank	bank	NOUN
aijbe-441	98	19	as	as	ADP
aijbe-441	98	20	a	a	DET
aijbe-441	98	21	financial	financial	ADJ
aijbe-441	98	22	institution	institution	NOUN
aijbe-441	98	23	licensed	license	VERB
aijbe-441	98	24	by	by	ADP
aijbe-441	98	25	the	the	DET
aijbe-441	98	26	regulatory	regulatory	ADJ
aijbe-441	98	27	authority	authority	NOUN
aijbe-441	98	28	to	to	PART
aijbe-441	98	29	mobilize	mobilize	VERB
aijbe-441	98	30	deposits	deposit	NOUN
aijbe-441	98	31	from	from	ADP
aijbe-441	98	32	the	the	DET
aijbe-441	98	33	surplus	surplus	ADJ
aijbe-441	98	34	unit	unit	NOUN
aijbe-441	98	35	and	and	CCONJ
aijbe-441	98	36	channel	channel	VERB
aijbe-441	98	37	the	the	DET
aijbe-441	98	38	funds	fund	NOUN
aijbe-441	98	39	through	through	ADP
aijbe-441	98	40	loans	loan	NOUN
aijbe-441	98	41	to	to	ADP
aijbe-441	98	42	the	the	DET
aijbe-441	98	43	deficit	deficit	NOUN
aijbe-441	98	44	unit	unit	NOUN
aijbe-441	98	45	and	and	CCONJ
aijbe-441	98	46	performs	perform	VERB
aijbe-441	98	47	other	other	ADJ
aijbe-441	98	48	financial	financial	ADJ
aijbe-441	98	49	services	service	NOUN
aijbe-441	98	50	activities	activity	NOUN
aijbe-441	98	51	(	(	PUNCT
aijbe-441	98	52	cbn	cbn	PROPN
aijbe-441	98	53	,	,	PUNCT
aijbe-441	98	54	n.d	n.d	PROPN
aijbe-441	98	55	.	.	PROPN
aijbe-441	98	56	)	)	PUNCT
aijbe-441	98	57	.	.	PUNCT
aijbe-441	99	1	all	all	DET
aijbe-441	99	2	commercial	commercial	ADJ
aijbe-441	99	3	banks	bank	NOUN
aijbe-441	99	4	in	in	ADP
aijbe-441	99	5	nigeria	nigeria	PRON
aijbe-441	99	6	such	such	ADJ
aijbe-441	99	7	as	as	ADP
aijbe-441	99	8	first	first	ADJ
aijbe-441	99	9	bank	bank	PROPN
aijbe-441	99	10	of	of	ADP
aijbe-441	99	11	nigeria	nigeria	PROPN
aijbe-441	99	12	plc	plc	PROPN
aijbe-441	99	13	,	,	PUNCT
aijbe-441	99	14	guaranty	guaranty	PROPN
aijbe-441	99	15	trust	trust	PROPN
aijbe-441	99	16	bank	bank	PROPN
aijbe-441	99	17	plc	plc	PROPN
aijbe-441	99	18	united	united	PROPN
aijbe-441	99	19	bank	bank	PROPN
aijbe-441	99	20	for	for	ADP
aijbe-441	99	21	africa	africa	PROPN
aijbe-441	99	22	plc	plc	PROPN
aijbe-441	99	23	.	.	PUNCT
aijbe-441	100	1	zenith	zenith	PROPN
aijbe-441	100	2	bank	bank	PROPN
aijbe-441	100	3	plc	plc	PROPN
aijbe-441	100	4	,	,	PUNCT
aijbe-441	100	5	etc	etc	X
aijbe-441	100	6	are	be	AUX
aijbe-441	100	7	deposit	deposit	NOUN
aijbe-441	100	8	money	money	NOUN
aijbe-441	100	9	banks	bank	NOUN
aijbe-441	100	10	.	.	PUNCT
aijbe-441	101	1	according	accord	VERB
aijbe-441	101	2	to	to	ADP
aijbe-441	101	3	adesola	adesola	PROPN
aijbe-441	101	4	&	&	CCONJ
aijbe-441	101	5	ewa	ewa	PROPN
aijbe-441	101	6	(	(	PUNCT
aijbe-441	101	7	2020	2020	NUM
aijbe-441	101	8	)	)	PUNCT
aijbe-441	101	9	,	,	PUNCT
aijbe-441	101	10	the	the	DET
aijbe-441	101	11	most	most	ADV
aijbe-441	101	12	important	important	ADJ
aijbe-441	101	13	institutions	institution	NOUN
aijbe-441	101	14	for	for	ADP
aijbe-441	101	15	savings	saving	NOUN
aijbe-441	101	16	mobilization	mobilization	NOUN
aijbe-441	101	17	and	and	CCONJ
aijbe-441	101	18	allocation	allocation	NOUN
aijbe-441	101	19	of	of	ADP
aijbe-441	101	20	financial	financial	ADJ
aijbe-441	101	21	resources	resource	NOUN
aijbe-441	101	22	are	be	AUX
aijbe-441	101	23	the	the	DET
aijbe-441	101	24	deposit	deposit	NOUN
aijbe-441	101	25	money	money	NOUN
aijbe-441	101	26	banks	bank	NOUN
aijbe-441	101	27	(	(	PUNCT
aijbe-441	101	28	dmbs	dmb	NOUN
aijbe-441	101	29	)	)	PUNCT
aijbe-441	101	30	.	.	PUNCT
aijbe-441	102	1	thus	thus	ADV
aijbe-441	102	2	,	,	PUNCT
aijbe-441	102	3	dmbs	dmb	NOUN
aijbe-441	102	4	occupy	occupy	VERB
aijbe-441	102	5	prominent	prominent	ADJ
aijbe-441	102	6	positions	position	NOUN
aijbe-441	102	7	in	in	ADP
aijbe-441	102	8	economic	economic	ADJ
aijbe-441	102	9	growth	growth	NOUN
aijbe-441	102	10	and	and	CCONJ
aijbe-441	102	11	development	development	NOUN
aijbe-441	102	12	in	in	ADP
aijbe-441	102	13	nigeria	nigeria	PROPN
aijbe-441	102	14	.	.	PUNCT
aijbe-441	103	1	it	it	PRON
aijbe-441	103	2	is	be	AUX
aijbe-441	103	3	therefore	therefore	ADV
aijbe-441	103	4	pertinent	pertinent	ADJ
aijbe-441	103	5	to	to	PART
aijbe-441	103	6	continue	continue	VERB
aijbe-441	103	7	to	to	PART
aijbe-441	103	8	carry	carry	VERB
aijbe-441	103	9	out	out	ADP
aijbe-441	103	10	researches	research	NOUN
aijbe-441	103	11	aimed	aim	VERB
aijbe-441	103	12	at	at	ADP
aijbe-441	103	13	enhancing	enhance	VERB
aijbe-441	103	14	the	the	DET
aijbe-441	103	15	performance	performance	NOUN
aijbe-441	103	16	of	of	ADP
aijbe-441	103	17	these	these	DET
aijbe-441	103	18	banks	bank	NOUN
aijbe-441	103	19	.	.	PUNCT
aijbe-441	104	1	2.2	2.2	NUM
aijbe-441	104	2	theoretical	theoretical	ADJ
aijbe-441	104	3	framework	framework	NOUN
aijbe-441	104	4	bank	bank	PROPN
aijbe-441	104	5	focused	focus	VERB
aijbe-441	104	6	theory	theory	NOUN
aijbe-441	104	7	(	(	PUNCT
aijbe-441	104	8	kapoor	kapoor	PROPN
aijbe-441	104	9	,	,	PUNCT
aijbe-441	104	10	2010	2010	NUM
aijbe-441	104	11	)	)	PUNCT
aijbe-441	104	12	this	this	DET
aijbe-441	104	13	study	study	NOUN
aijbe-441	104	14	was	be	AUX
aijbe-441	104	15	anchored	anchor	VERB
aijbe-441	104	16	on	on	ADP
aijbe-441	104	17	bank	bank	NOUN
aijbe-441	104	18	focused	focused	ADJ
aijbe-441	104	19	theory	theory	NOUN
aijbe-441	104	20	propounded	propound	VERB
aijbe-441	104	21	by	by	ADP
aijbe-441	104	22	kappor	kappor	NOUN
aijbe-441	104	23	(	(	PUNCT
aijbe-441	104	24	2010	2010	NUM
aijbe-441	104	25	)	)	PUNCT
aijbe-441	104	26	.	.	PUNCT
aijbe-441	105	1	the	the	DET
aijbe-441	105	2	theory	theory	NOUN
aijbe-441	105	3	aims	aim	VERB
aijbe-441	105	4	at	at	ADP
aijbe-441	105	5	explaining	explain	VERB
aijbe-441	105	6	how	how	SCONJ
aijbe-441	105	7	branchless	branchless	ADJ
aijbe-441	105	8	banking	banking	NOUN
aijbe-441	105	9	is	be	AUX
aijbe-441	105	10	done	do	VERB
aijbe-441	105	11	.	.	PUNCT
aijbe-441	106	1	it	it	PRON
aijbe-441	106	2	also	also	ADV
aijbe-441	106	3	highlights	highlight	VERB
aijbe-441	106	4	the	the	DET
aijbe-441	106	5	risks	risk	NOUN
aijbe-441	106	6	and	and	CCONJ
aijbe-441	106	7	opportunities	opportunity	NOUN
aijbe-441	106	8	that	that	PRON
aijbe-441	106	9	come	come	VERB
aijbe-441	106	10	with	with	ADP
aijbe-441	106	11	it	it	PRON
aijbe-441	106	12	.	.	PUNCT
aijbe-441	107	1	this	this	DET
aijbe-441	107	2	theory	theory	NOUN
aijbe-441	107	3	has	have	AUX
aijbe-441	107	4	been	be	AUX
aijbe-441	107	5	used	use	VERB
aijbe-441	107	6	widely	widely	ADV
aijbe-441	107	7	in	in	ADP
aijbe-441	107	8	electronic	electronic	ADJ
aijbe-441	107	9	banking	banking	NOUN
aijbe-441	107	10	related	relate	VERB
aijbe-441	107	11	studies	study	NOUN
aijbe-441	107	12	(	(	PUNCT
aijbe-441	107	13	chimezic	chimezic	NOUN
aijbe-441	107	14	,	,	PUNCT
aijbe-441	107	15	chukuwuemeka	chukuwuemeka	PROPN
aijbe-441	107	16	&	&	CCONJ
aijbe-441	107	17	uche	uche	PROPN
aijbe-441	107	18	,	,	PUNCT
aijbe-441	107	19	2019	2019	NUM
aijbe-441	107	20	;	;	PUNCT
aijbe-441	107	21	dzombo	dzombo	PROPN
aijbe-441	107	22	,	,	PUNCT
aijbe-441	107	23	kilika	kilika	PROPN
aijbe-441	107	24	&	&	CCONJ
aijbe-441	107	25	maingi	maingi	PROPN
aijbe-441	107	26	,	,	PUNCT
aijbe-441	107	27	2017	2017	NUM
aijbe-441	107	28	;	;	PUNCT
aijbe-441	107	29	mwanda	mwanda	PROPN
aijbe-441	107	30	,	,	PUNCT
aijbe-441	107	31	2013	2013	NUM
aijbe-441	107	32	)	)	PUNCT
aijbe-441	107	33	.	.	PUNCT
aijbe-441	108	1	the	the	DET
aijbe-441	108	2	bank	bank	NOUN
aijbe-441	108	3	focused	focus	VERB
aijbe-441	108	4	theory	theory	NOUN
aijbe-441	108	5	proposes	propose	VERB
aijbe-441	108	6	that	that	SCONJ
aijbe-441	108	7	traditional	traditional	ADJ
aijbe-441	108	8	banks	bank	NOUN
aijbe-441	108	9	can	can	AUX
aijbe-441	108	10	use	use	VERB
aijbe-441	108	11	non	non	ADJ
aijbe-441	108	12	-	-	ADJ
aijbe-441	108	13	traditional	traditional	ADJ
aijbe-441	108	14	,	,	PUNCT
aijbe-441	108	15	inexpensive	inexpensive	ADJ
aijbe-441	108	16	channels	channel	NOUN
aijbe-441	108	17	to	to	PART
aijbe-441	108	18	deliver	deliver	VERB
aijbe-441	108	19	banking	banking	NOUN
aijbe-441	108	20	services	service	NOUN
aijbe-441	108	21	to	to	ADP
aijbe-441	108	22	their	their	PRON
aijbe-441	108	23	existing	exist	VERB
aijbe-441	108	24	customers	customer	NOUN
aijbe-441	108	25	.	.	PUNCT
aijbe-441	109	1	examples	example	NOUN
aijbe-441	109	2	include	include	VERB
aijbe-441	109	3	using	use	VERB
aijbe-441	109	4	automated	automate	VERB
aijbe-441	109	5	teller	teller	NOUN
aijbe-441	109	6	machines	machine	NOUN
aijbe-441	109	7	,	,	PUNCT
aijbe-441	109	8	internet	internet	NOUN
aijbe-441	109	9	banking	banking	NOUN
aijbe-441	109	10	,	,	PUNCT
aijbe-441	109	11	and	and	CCONJ
aijbe-441	109	12	mobile	mobile	ADJ
aijbe-441	109	13	banking	banking	NOUN
aijbe-441	109	14	among	among	ADP
aijbe-441	109	15	others	other	NOUN
aijbe-441	109	16	to	to	PART
aijbe-441	109	17	provide	provide	VERB
aijbe-441	109	18	banking	banking	NOUN
aijbe-441	109	19	services	service	NOUN
aijbe-441	109	20	to	to	ADP
aijbe-441	109	21	bank	bank	NOUN
aijbe-441	109	22	customers	customer	NOUN
aijbe-441	109	23	(	(	PUNCT
aijbe-441	109	24	kapoor	kapoor	PROPN
aijbe-441	109	25	,	,	PUNCT
aijbe-441	109	26	2013	2013	NUM
aijbe-441	109	27	)	)	PUNCT
aijbe-441	109	28	.	.	PUNCT
aijbe-441	110	1	the	the	DET
aijbe-441	110	2	theory	theory	NOUN
aijbe-441	110	3	indicates	indicate	VERB
aijbe-441	110	4	that	that	SCONJ
aijbe-441	110	5	although	although	SCONJ
aijbe-441	110	6	branchless	branchless	ADJ
aijbe-441	110	7	banking	banking	NOUN
aijbe-441	110	8	provides	provide	VERB
aijbe-441	110	9	financial	financial	ADJ
aijbe-441	110	10	institutions	institution	NOUN
aijbe-441	110	11	with	with	ADP
aijbe-441	110	12	more	more	ADJ
aijbe-441	110	13	control	control	NOUN
aijbe-441	110	14	and	and	CCONJ
aijbe-441	110	15	brand	brand	NOUN
aijbe-441	110	16	visibility	visibility	NOUN
aijbe-441	110	17	,	,	PUNCT
aijbe-441	110	18	it	it	PRON
aijbe-441	110	19	also	also	ADV
aijbe-441	110	20	has	have	VERB
aijbe-441	110	21	challenges	challenge	NOUN
aijbe-441	110	22	,	,	PUNCT
aijbe-441	110	23	as	as	SCONJ
aijbe-441	110	24	customers	customer	NOUN
aijbe-441	110	25	are	be	AUX
aijbe-441	110	26	primarily	primarily	ADV
aijbe-441	110	27	concerned	concerned	ADJ
aijbe-441	110	28	about	about	ADP
aijbe-441	110	29	such	such	ADJ
aijbe-441	110	30	issues	issue	NOUN
aijbe-441	110	31	as	as	ADP
aijbe-441	110	32	quality	quality	NOUN
aijbe-441	110	33	,	,	PUNCT
aijbe-441	110	34	reliability	reliability	NOUN
aijbe-441	110	35	and	and	CCONJ
aijbe-441	110	36	accessibility	accessibility	NOUN
aijbe-441	110	37	of	of	ADP
aijbe-441	110	38	service	service	NOUN
aijbe-441	110	39	,	,	PUNCT
aijbe-441	110	40	security	security	NOUN
aijbe-441	110	41	of	of	ADP
aijbe-441	110	42	transactions	transaction	NOUN
aijbe-441	110	43	,	,	PUNCT
aijbe-441	110	44	ease	ease	NOUN
aijbe-441	110	45	of	of	ADP
aijbe-441	110	46	usage	usage	NOUN
aijbe-441	110	47	,	,	PUNCT
aijbe-441	110	48	etc	etc	X
aijbe-441	110	49	.	.	X
aijbe-441	111	1	dr	dr	PROPN
aijbe-441	111	2	.	.	PROPN
aijbe-441	112	1	aniebiet	aniebiet	PROPN
aijbe-441	112	2	etuk	etuk	PROPN
aijbe-441	112	3	,	,	PUNCT
aijbe-441	112	4	aniefiok	aniefiok	PROPN
aijbe-441	112	5	okon	okon	PROPN
aijbe-441	112	6	akpan	akpan	PROPN
aijbe-441	112	7	and	and	CCONJ
aijbe-441	112	8	aniekan	aniekan	PROPN
aijbe-441	112	9	eyo	eyo	PROPN
aijbe-441	112	10	awah	awah	PROPN
aijbe-441	112	11	(	(	PUNCT
aijbe-441	112	12	2023	2023	NUM
aijbe-441	112	13	)	)	PUNCT
aijbe-441	112	14	28	28	NUM
aijbe-441	112	15	american	american	ADJ
aijbe-441	112	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	112	17	journal	journal	NOUN
aijbe-441	112	18	of	of	ADP
aijbe-441	112	19	business	business	NOUN
aijbe-441	112	20	and	and	CCONJ
aijbe-441	112	21	economics	economic	NOUN
aijbe-441	112	22	|	|	ADV
aijbe-441	112	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	112	24	2.3	2.3	NUM
aijbe-441	112	25	review	review	NOUN
aijbe-441	112	26	of	of	ADP
aijbe-441	112	27	empirical	empirical	ADJ
aijbe-441	112	28	studies	study	NOUN
aijbe-441	112	29	deekor	deekor	VERB
aijbe-441	112	30	(	(	PUNCT
aijbe-441	112	31	2021	2021	NUM
aijbe-441	112	32	)	)	PUNCT
aijbe-441	112	33	investigated	investigate	VERB
aijbe-441	112	34	the	the	DET
aijbe-441	112	35	impact	impact	NOUN
aijbe-441	112	36	of	of	ADP
aijbe-441	112	37	electronic	electronic	ADJ
aijbe-441	112	38	banking	banking	NOUN
aijbe-441	112	39	on	on	ADP
aijbe-441	112	40	deposit	deposit	NOUN
aijbe-441	112	41	money	money	NOUN
aijbe-441	112	42	banks	bank	NOUN
aijbe-441	112	43	’	'	PUNCT
aijbe-441	112	44	performance	performance	NOUN
aijbe-441	112	45	in	in	ADP
aijbe-441	112	46	nigeria	nigeria	PROPN
aijbe-441	112	47	using	use	VERB
aijbe-441	112	48	secondary	secondary	ADJ
aijbe-441	112	49	data	datum	NOUN
aijbe-441	112	50	obtained	obtain	VERB
aijbe-441	112	51	from	from	ADP
aijbe-441	112	52	quarterly	quarterly	ADJ
aijbe-441	112	53	reports	report	NOUN
aijbe-441	112	54	of	of	ADP
aijbe-441	112	55	the	the	DET
aijbe-441	112	56	central	central	ADJ
aijbe-441	112	57	bank	bank	PROPN
aijbe-441	112	58	of	of	ADP
aijbe-441	112	59	nigeria	nigeria	PROPN
aijbe-441	112	60	,	,	PUNCT
aijbe-441	112	61	from	from	ADP
aijbe-441	112	62	2010	2010	NUM
aijbe-441	112	63	to	to	ADP
aijbe-441	112	64	2018	2018	NUM
aijbe-441	112	65	.	.	PUNCT
aijbe-441	113	1	the	the	DET
aijbe-441	113	2	author	author	NOUN
aijbe-441	113	3	measured	measure	VERB
aijbe-441	113	4	electronic	electronic	ADJ
aijbe-441	113	5	banking	banking	NOUN
aijbe-441	113	6	using	use	VERB
aijbe-441	113	7	four	four	NUM
aijbe-441	113	8	variables	variable	NOUN
aijbe-441	113	9	;	;	PUNCT
aijbe-441	113	10	automated	automate	VERB
aijbe-441	113	11	teller	teller	NOUN
aijbe-441	113	12	machine	machine	NOUN
aijbe-441	113	13	(	(	PUNCT
aijbe-441	113	14	atm	atm	NOUN
aijbe-441	113	15	)	)	PUNCT
aijbe-441	113	16	,	,	PUNCT
aijbe-441	113	17	point	point	NOUN
aijbe-441	113	18	of	of	ADP
aijbe-441	113	19	sale	sale	NOUN
aijbe-441	113	20	(	(	PUNCT
aijbe-441	113	21	pos	pos	NOUN
aijbe-441	113	22	)	)	PUNCT
aijbe-441	113	23	,	,	PUNCT
aijbe-441	113	24	mobile	mobile	ADJ
aijbe-441	113	25	banking	banking	NOUN
aijbe-441	113	26	,	,	PUNCT
aijbe-441	113	27	and	and	CCONJ
aijbe-441	113	28	web	web	NOUN
aijbe-441	113	29	pay	pay	NOUN
aijbe-441	113	30	.	.	PUNCT
aijbe-441	114	1	bank	bank	NOUN
aijbe-441	114	2	performance	performance	NOUN
aijbe-441	114	3	was	be	AUX
aijbe-441	114	4	measured	measure	VERB
aijbe-441	114	5	in	in	ADP
aijbe-441	114	6	terms	term	NOUN
aijbe-441	114	7	of	of	ADP
aijbe-441	114	8	net	net	ADJ
aijbe-441	114	9	interest	interest	NOUN
aijbe-441	114	10	margin	margin	NOUN
aijbe-441	114	11	.	.	PUNCT
aijbe-441	115	1	jarquebera	jarquebera	NOUN
aijbe-441	115	2	normality	normality	NOUN
aijbe-441	115	3	and	and	CCONJ
aijbe-441	115	4	diagnostic	diagnostic	ADJ
aijbe-441	115	5	tests	test	NOUN
aijbe-441	115	6	as	as	ADV
aijbe-441	115	7	well	well	ADV
aijbe-441	115	8	as	as	ADP
aijbe-441	115	9	augmented	augment	VERB
aijbe-441	115	10	dickey	dickey	PROPN
aijbe-441	115	11	fuller	full	ADJ
aijbe-441	115	12	unit	unit	NOUN
aijbe-441	115	13	root	root	NOUN
aijbe-441	115	14	test	test	NOUN
aijbe-441	115	15	were	be	AUX
aijbe-441	115	16	used	use	VERB
aijbe-441	115	17	on	on	ADP
aijbe-441	115	18	the	the	DET
aijbe-441	115	19	variables	variable	NOUN
aijbe-441	115	20	,	,	PUNCT
aijbe-441	115	21	and	and	CCONJ
aijbe-441	115	22	the	the	DET
aijbe-441	115	23	results	result	NOUN
aijbe-441	115	24	showed	show	VERB
aijbe-441	115	25	atm	atm	ADJ
aijbe-441	115	26	,	,	PUNCT
aijbe-441	115	27	pos	pos	NOUN
aijbe-441	115	28	,	,	PUNCT
aijbe-441	115	29	and	and	CCONJ
aijbe-441	115	30	web	web	NOUN
aijbe-441	115	31	pay	pay	NOUN
aijbe-441	115	32	as	as	ADP
aijbe-441	115	33	being	be	AUX
aijbe-441	115	34	insignificant	insignificant	ADJ
aijbe-441	115	35	to	to	ADP
aijbe-441	115	36	net	net	ADJ
aijbe-441	115	37	interest	interest	NOUN
aijbe-441	115	38	margin	margin	NOUN
aijbe-441	115	39	,	,	PUNCT
aijbe-441	115	40	while	while	SCONJ
aijbe-441	115	41	mobile	mobile	ADJ
aijbe-441	115	42	banking	banking	NOUN
aijbe-441	115	43	had	have	VERB
aijbe-441	115	44	a	a	DET
aijbe-441	115	45	positive	positive	ADJ
aijbe-441	115	46	and	and	CCONJ
aijbe-441	115	47	significant	significant	ADJ
aijbe-441	115	48	impact	impact	NOUN
aijbe-441	115	49	on	on	ADP
aijbe-441	115	50	bank	bank	NOUN
aijbe-441	115	51	performance	performance	NOUN
aijbe-441	115	52	.	.	PUNCT
aijbe-441	116	1	a	a	DET
aijbe-441	116	2	similar	similar	ADJ
aijbe-441	116	3	study	study	NOUN
aijbe-441	116	4	was	be	AUX
aijbe-441	116	5	conducted	conduct	VERB
aijbe-441	116	6	by	by	ADP
aijbe-441	116	7	demaki	demaki	NOUN
aijbe-441	116	8	,	,	PUNCT
aijbe-441	116	9	eromafuru	eromafuru	PROPN
aijbe-441	116	10	&	&	CCONJ
aijbe-441	116	11	festus	festus	PROPN
aijbe-441	116	12	(	(	PUNCT
aijbe-441	116	13	2021	2021	NUM
aijbe-441	116	14	)	)	PUNCT
aijbe-441	116	15	to	to	PART
aijbe-441	116	16	examine	examine	VERB
aijbe-441	116	17	the	the	DET
aijbe-441	116	18	relationship	relationship	NOUN
aijbe-441	116	19	between	between	ADP
aijbe-441	116	20	electronic	electronic	ADJ
aijbe-441	116	21	banking	banking	NOUN
aijbe-441	116	22	and	and	CCONJ
aijbe-441	116	23	the	the	DET
aijbe-441	116	24	performance	performance	NOUN
aijbe-441	116	25	of	of	ADP
aijbe-441	116	26	deposit	deposit	NOUN
aijbe-441	116	27	money	money	NOUN
aijbe-441	116	28	banks	bank	NOUN
aijbe-441	116	29	in	in	ADP
aijbe-441	116	30	nigeria	nigeria	PROPN
aijbe-441	116	31	.	.	PUNCT
aijbe-441	117	1	ex	ex	NOUN
aijbe-441	117	2	-	-	ADJ
aijbe-441	117	3	posit	posit	ADJ
aijbe-441	117	4	facto	facto	X
aijbe-441	117	5	research	research	NOUN
aijbe-441	117	6	design	design	NOUN
aijbe-441	117	7	was	be	AUX
aijbe-441	117	8	employed	employ	VERB
aijbe-441	117	9	for	for	ADP
aijbe-441	117	10	the	the	DET
aijbe-441	117	11	study	study	NOUN
aijbe-441	117	12	.	.	PUNCT
aijbe-441	118	1	time	time	PROPN
aijbe-441	118	2	series	series	PROPN
aijbe-441	118	3	data	datum	NOUN
aijbe-441	118	4	were	be	AUX
aijbe-441	118	5	obtained	obtain	VERB
aijbe-441	118	6	from	from	ADP
aijbe-441	118	7	the	the	DET
aijbe-441	118	8	central	central	ADJ
aijbe-441	118	9	bank	bank	PROPN
aijbe-441	118	10	of	of	ADP
aijbe-441	118	11	nigeria	nigeria	PROPN
aijbe-441	118	12	quarterly	quarterly	ADJ
aijbe-441	118	13	bulletin	bulletin	NOUN
aijbe-441	118	14	on	on	ADP
aijbe-441	118	15	automated	automate	VERB
aijbe-441	118	16	teller	teller	NOUN
aijbe-441	118	17	machine	machine	NOUN
aijbe-441	118	18	,	,	PUNCT
aijbe-441	118	19	internet	internet	NOUN
aijbe-441	118	20	banking	banking	NOUN
aijbe-441	118	21	,	,	PUNCT
aijbe-441	118	22	point	point	NOUN
aijbe-441	118	23	of	of	ADP
aijbe-441	118	24	sales	sale	NOUN
aijbe-441	118	25	and	and	CCONJ
aijbe-441	118	26	return	return	VERB
aijbe-441	118	27	on	on	ADP
aijbe-441	118	28	assets	asset	NOUN
aijbe-441	118	29	,	,	PUNCT
aijbe-441	118	30	from	from	ADP
aijbe-441	118	31	2009	2009	NUM
aijbe-441	118	32	-	-	SYM
aijbe-441	118	33	2019	2019	NUM
aijbe-441	118	34	.	.	PUNCT
aijbe-441	119	1	descriptive	descriptive	ADJ
aijbe-441	119	2	and	and	CCONJ
aijbe-441	119	3	inferential	inferential	ADJ
aijbe-441	119	4	statistical	statistical	ADJ
aijbe-441	119	5	techniques	technique	NOUN
aijbe-441	119	6	such	such	ADJ
aijbe-441	119	7	as	as	ADP
aijbe-441	119	8	mean	mean	ADJ
aijbe-441	119	9	,	,	PUNCT
aijbe-441	119	10	standard	standard	ADJ
aijbe-441	119	11	deviation	deviation	NOUN
aijbe-441	119	12	,	,	PUNCT
aijbe-441	119	13	pearson	pearson	NOUN
aijbe-441	119	14	correlation	correlation	NOUN
aijbe-441	119	15	,	,	PUNCT
aijbe-441	119	16	unit	unit	NOUN
aijbe-441	119	17	roots	root	NOUN
aijbe-441	119	18	,	,	PUNCT
aijbe-441	119	19	co	co	NOUN
aijbe-441	119	20	-	-	NOUN
aijbe-441	119	21	integration	integration	NOUN
aijbe-441	119	22	,	,	PUNCT
aijbe-441	119	23	error	error	NOUN
aijbe-441	119	24	correction	correction	NOUN
aijbe-441	119	25	model	model	NOUN
aijbe-441	119	26	jacque	jacque	PROPN
aijbe-441	119	27	-	-	PUNCT
aijbe-441	119	28	beta	beta	ADJ
aijbe-441	119	29	test	test	NOUN
aijbe-441	119	30	and	and	CCONJ
aijbe-441	119	31	variance	variance	NOUN
aijbe-441	119	32	inflation	inflation	NOUN
aijbe-441	119	33	factor	factor	NOUN
aijbe-441	119	34	test	test	NOUN
aijbe-441	119	35	were	be	AUX
aijbe-441	119	36	used	use	VERB
aijbe-441	119	37	.	.	PUNCT
aijbe-441	120	1	results	result	NOUN
aijbe-441	120	2	showed	show	VERB
aijbe-441	120	3	that	that	SCONJ
aijbe-441	120	4	automated	automate	VERB
aijbe-441	120	5	teller	teller	NOUN
aijbe-441	120	6	machine	machine	NOUN
aijbe-441	120	7	,	,	PUNCT
aijbe-441	120	8	mobile	mobile	ADJ
aijbe-441	120	9	banking	banking	NOUN
aijbe-441	120	10	and	and	CCONJ
aijbe-441	120	11	point	point	NOUN
aijbe-441	120	12	of	of	ADP
aijbe-441	120	13	sales	sale	NOUN
aijbe-441	120	14	were	be	AUX
aijbe-441	120	15	significant	significant	ADJ
aijbe-441	120	16	in	in	ADP
aijbe-441	120	17	enhancing	enhance	VERB
aijbe-441	120	18	banks	bank	NOUN
aijbe-441	120	19	’	'	PUNCT
aijbe-441	120	20	performance	performance	NOUN
aijbe-441	120	21	.	.	PUNCT
aijbe-441	121	1	internet	internet	NOUN
aijbe-441	121	2	banking	banking	NOUN
aijbe-441	121	3	was	be	AUX
aijbe-441	121	4	found	find	VERB
aijbe-441	121	5	to	to	PART
aijbe-441	121	6	have	have	VERB
aijbe-441	121	7	insignificant	insignificant	ADJ
aijbe-441	121	8	influence	influence	NOUN
aijbe-441	121	9	on	on	ADP
aijbe-441	121	10	banks	bank	NOUN
aijbe-441	121	11	’	'	PUNCT
aijbe-441	121	12	performances	performance	NOUN
aijbe-441	121	13	.	.	PUNCT
aijbe-441	122	1	kabir	kabir	PROPN
aijbe-441	122	2	,	,	PUNCT
aijbe-441	122	3	kurfi	kurfi	PROPN
aijbe-441	122	4	&	&	CCONJ
aijbe-441	122	5	isa	isa	PROPN
aijbe-441	122	6	(	(	PUNCT
aijbe-441	122	7	2021	2021	NUM
aijbe-441	122	8	)	)	PUNCT
aijbe-441	122	9	examined	examine	VERB
aijbe-441	122	10	the	the	DET
aijbe-441	122	11	impact	impact	NOUN
aijbe-441	122	12	of	of	ADP
aijbe-441	122	13	electronic	electronic	ADJ
aijbe-441	122	14	banking	banking	NOUN
aijbe-441	122	15	on	on	ADP
aijbe-441	122	16	financial	financial	ADJ
aijbe-441	122	17	performance	performance	NOUN
aijbe-441	122	18	of	of	ADP
aijbe-441	122	19	deposit	deposit	NOUN
aijbe-441	122	20	money	money	NOUN
aijbe-441	122	21	banks	bank	NOUN
aijbe-441	122	22	in	in	ADP
aijbe-441	122	23	nigeria	nigeria	PROPN
aijbe-441	122	24	.	.	PUNCT
aijbe-441	123	1	the	the	DET
aijbe-441	123	2	study	study	NOUN
aijbe-441	123	3	used	use	VERB
aijbe-441	123	4	secondary	secondary	ADJ
aijbe-441	123	5	data	datum	NOUN
aijbe-441	123	6	obtained	obtain	VERB
aijbe-441	123	7	from	from	ADP
aijbe-441	123	8	publications	publication	NOUN
aijbe-441	123	9	and	and	CCONJ
aijbe-441	123	10	reports	report	NOUN
aijbe-441	123	11	covering	cover	VERB
aijbe-441	123	12	the	the	DET
aijbe-441	123	13	period	period	NOUN
aijbe-441	123	14	2013	2013	NUM
aijbe-441	123	15	to	to	ADP
aijbe-441	123	16	2017	2017	NUM
aijbe-441	123	17	.	.	PUNCT
aijbe-441	124	1	the	the	DET
aijbe-441	124	2	electronic	electronic	ADJ
aijbe-441	124	3	banking	banking	NOUN
aijbe-441	124	4	variables	variable	NOUN
aijbe-441	124	5	of	of	ADP
aijbe-441	124	6	interest	interest	NOUN
aijbe-441	124	7	were	be	AUX
aijbe-441	124	8	atm	atm	ADJ
aijbe-441	124	9	,	,	PUNCT
aijbe-441	124	10	mobile	mobile	ADJ
aijbe-441	124	11	banking	banking	NOUN
aijbe-441	124	12	and	and	CCONJ
aijbe-441	124	13	internet	internet	NOUN
aijbe-441	124	14	banking	banking	NOUN
aijbe-441	124	15	,	,	PUNCT
aijbe-441	124	16	while	while	SCONJ
aijbe-441	124	17	financial	financial	ADJ
aijbe-441	124	18	performance	performance	NOUN
aijbe-441	124	19	was	be	AUX
aijbe-441	124	20	represented	represent	VERB
aijbe-441	124	21	by	by	ADP
aijbe-441	124	22	return	return	NOUN
aijbe-441	124	23	on	on	ADP
aijbe-441	124	24	assets	asset	NOUN
aijbe-441	124	25	.	.	PUNCT
aijbe-441	125	1	a	a	DET
aijbe-441	125	2	multiple	multiple	ADJ
aijbe-441	125	3	linear	linear	ADJ
aijbe-441	125	4	regression	regression	NOUN
aijbe-441	125	5	model	model	NOUN
aijbe-441	125	6	was	be	AUX
aijbe-441	125	7	used	use	VERB
aijbe-441	125	8	to	to	PART
aijbe-441	125	9	determine	determine	VERB
aijbe-441	125	10	the	the	DET
aijbe-441	125	11	relationship	relationship	NOUN
aijbe-441	125	12	between	between	ADP
aijbe-441	125	13	electronic	electronic	ADJ
aijbe-441	125	14	banking	banking	NOUN
aijbe-441	125	15	and	and	CCONJ
aijbe-441	125	16	return	return	VERB
aijbe-441	125	17	on	on	ADP
aijbe-441	125	18	assets	asset	NOUN
aijbe-441	125	19	.	.	PUNCT
aijbe-441	126	1	findings	finding	NOUN
aijbe-441	126	2	revealed	reveal	VERB
aijbe-441	126	3	that	that	SCONJ
aijbe-441	126	4	electronic	electronic	ADJ
aijbe-441	126	5	banking	banking	NOUN
aijbe-441	126	6	variables	variable	NOUN
aijbe-441	126	7	(	(	PUNCT
aijbe-441	126	8	atm	atm	ADJ
aijbe-441	126	9	,	,	PUNCT
aijbe-441	126	10	mobile	mobile	ADJ
aijbe-441	126	11	banking	banking	NOUN
aijbe-441	126	12	and	and	CCONJ
aijbe-441	126	13	internet	internet	NOUN
aijbe-441	126	14	banking	banking	NOUN
aijbe-441	126	15	)	)	PUNCT
aijbe-441	126	16	were	be	AUX
aijbe-441	126	17	positively	positively	ADV
aijbe-441	126	18	and	and	CCONJ
aijbe-441	126	19	significantly	significantly	ADV
aijbe-441	126	20	related	relate	VERB
aijbe-441	126	21	with	with	ADP
aijbe-441	126	22	the	the	DET
aijbe-441	126	23	performance	performance	NOUN
aijbe-441	126	24	of	of	ADP
aijbe-441	126	25	nigeria	nigeria	PROPN
aijbe-441	126	26	deposit	deposit	VERB
aijbe-441	126	27	money	money	NOUN
aijbe-441	126	28	banks	bank	NOUN
aijbe-441	126	29	.	.	PUNCT
aijbe-441	127	1	another	another	DET
aijbe-441	127	2	study	study	NOUN
aijbe-441	127	3	to	to	PART
aijbe-441	127	4	assess	assess	VERB
aijbe-441	127	5	the	the	DET
aijbe-441	127	6	impact	impact	NOUN
aijbe-441	127	7	of	of	ADP
aijbe-441	127	8	electronic	electronic	ADJ
aijbe-441	127	9	banking	banking	NOUN
aijbe-441	127	10	and	and	CCONJ
aijbe-441	127	11	profitability	profitability	NOUN
aijbe-441	127	12	in	in	ADP
aijbe-441	127	13	the	the	DET
aijbe-441	127	14	nigerian	nigerian	ADJ
aijbe-441	127	15	banking	banking	NOUN
aijbe-441	127	16	industry	industry	NOUN
aijbe-441	127	17	was	be	AUX
aijbe-441	127	18	carried	carry	VERB
aijbe-441	127	19	out	out	ADP
aijbe-441	127	20	by	by	ADP
aijbe-441	127	21	aduaka	aduaka	PROPN
aijbe-441	127	22	&	&	CCONJ
aijbe-441	127	23	awolusi	awolusi	PROPN
aijbe-441	127	24	(	(	PUNCT
aijbe-441	127	25	2020	2020	NUM
aijbe-441	127	26	)	)	PUNCT
aijbe-441	127	27	.	.	PUNCT
aijbe-441	128	1	the	the	DET
aijbe-441	128	2	survey	survey	NOUN
aijbe-441	128	3	research	research	NOUN
aijbe-441	128	4	design	design	NOUN
aijbe-441	128	5	was	be	AUX
aijbe-441	128	6	adopted	adopt	VERB
aijbe-441	128	7	and	and	CCONJ
aijbe-441	128	8	primary	primary	ADJ
aijbe-441	128	9	data	datum	NOUN
aijbe-441	128	10	were	be	AUX
aijbe-441	128	11	collected	collect	VERB
aijbe-441	128	12	through	through	ADP
aijbe-441	128	13	the	the	DET
aijbe-441	128	14	use	use	NOUN
aijbe-441	128	15	of	of	ADP
aijbe-441	128	16	questionnaire	questionnaire	NOUN
aijbe-441	128	17	.	.	PUNCT
aijbe-441	129	1	the	the	DET
aijbe-441	129	2	primary	primary	ADJ
aijbe-441	129	3	data	datum	NOUN
aijbe-441	129	4	were	be	AUX
aijbe-441	129	5	complemented	complement	VERB
aijbe-441	129	6	with	with	ADP
aijbe-441	129	7	secondary	secondary	ADJ
aijbe-441	129	8	data	datum	NOUN
aijbe-441	129	9	obtained	obtain	VERB
aijbe-441	129	10	from	from	ADP
aijbe-441	129	11	the	the	DET
aijbe-441	129	12	audited	audit	VERB
aijbe-441	129	13	financial	financial	ADJ
aijbe-441	129	14	reports	report	NOUN
aijbe-441	129	15	of	of	ADP
aijbe-441	129	16	the	the	DET
aijbe-441	129	17	surveyed	survey	VERB
aijbe-441	129	18	banks	bank	NOUN
aijbe-441	129	19	for	for	ADP
aijbe-441	129	20	the	the	DET
aijbe-441	129	21	period	period	NOUN
aijbe-441	129	22	2010	2010	NUM
aijbe-441	129	23	to	to	ADP
aijbe-441	129	24	2017	2017	NUM
aijbe-441	129	25	.	.	PUNCT
aijbe-441	130	1	descriptive	descriptive	ADJ
aijbe-441	130	2	and	and	CCONJ
aijbe-441	130	3	inferential	inferential	ADJ
aijbe-441	130	4	statistics	statistic	NOUN
aijbe-441	130	5	were	be	AUX
aijbe-441	130	6	used	use	VERB
aijbe-441	130	7	to	to	PART
aijbe-441	130	8	analyzed	analyze	VERB
aijbe-441	130	9	the	the	DET
aijbe-441	130	10	data	datum	NOUN
aijbe-441	130	11	.	.	PUNCT
aijbe-441	131	1	hypotheses	hypothesis	NOUN
aijbe-441	131	2	were	be	AUX
aijbe-441	131	3	tested	test	VERB
aijbe-441	131	4	using	use	VERB
aijbe-441	131	5	multiple	multiple	ADJ
aijbe-441	131	6	regression	regression	NOUN
aijbe-441	131	7	analysis	analysis	NOUN
aijbe-441	131	8	.	.	PUNCT
aijbe-441	132	1	the	the	DET
aijbe-441	132	2	independent	independent	ADJ
aijbe-441	132	3	variable	variable	NOUN
aijbe-441	132	4	(	(	PUNCT
aijbe-441	132	5	electronic	electronic	ADJ
aijbe-441	132	6	banking	banking	NOUN
aijbe-441	132	7	)	)	PUNCT
aijbe-441	132	8	was	be	AUX
aijbe-441	132	9	represented	represent	VERB
aijbe-441	132	10	by	by	ADP
aijbe-441	132	11	point	point	NOUN
aijbe-441	132	12	of	of	ADP
aijbe-441	132	13	sales	sale	NOUN
aijbe-441	132	14	(	(	PUNCT
aijbe-441	132	15	pos	pos	NOUN
aijbe-441	132	16	)	)	PUNCT
aijbe-441	132	17	,	,	PUNCT
aijbe-441	132	18	automated	automate	VERB
aijbe-441	132	19	teller	teller	NOUN
aijbe-441	132	20	machine	machine	NOUN
aijbe-441	132	21	(	(	PUNCT
aijbe-441	132	22	atm	atm	NOUN
aijbe-441	132	23	)	)	PUNCT
aijbe-441	132	24	,	,	PUNCT
aijbe-441	132	25	cards	card	NOUN
aijbe-441	132	26	,	,	PUNCT
aijbe-441	132	27	internet	internet	NOUN
aijbe-441	132	28	banking	banking	NOUN
aijbe-441	132	29	,	,	PUNCT
aijbe-441	132	30	mobile	mobile	ADJ
aijbe-441	132	31	banking	banking	NOUN
aijbe-441	132	32	,	,	PUNCT
aijbe-441	132	33	and	and	CCONJ
aijbe-441	132	34	corporate	corporate	ADJ
aijbe-441	132	35	payments	payment	NOUN
aijbe-441	132	36	,	,	PUNCT
aijbe-441	132	37	while	while	SCONJ
aijbe-441	132	38	the	the	DET
aijbe-441	132	39	dependent	dependent	ADJ
aijbe-441	132	40	variable	variable	NOUN
aijbe-441	132	41	(	(	PUNCT
aijbe-441	132	42	profitability	profitability	NOUN
aijbe-441	132	43	)	)	PUNCT
aijbe-441	132	44	was	be	AUX
aijbe-441	132	45	represented	represent	VERB
aijbe-441	132	46	by	by	ADP
aijbe-441	132	47	net	net	ADJ
aijbe-441	132	48	interest	interest	NOUN
aijbe-441	132	49	margin	margin	NOUN
aijbe-441	132	50	.	.	PUNCT
aijbe-441	133	1	the	the	DET
aijbe-441	133	2	results	result	NOUN
aijbe-441	133	3	showed	show	VERB
aijbe-441	133	4	that	that	SCONJ
aijbe-441	133	5	electronic	electronic	ADJ
aijbe-441	133	6	banking	banking	NOUN
aijbe-441	133	7	significantly	significantly	ADV
aijbe-441	133	8	influenced	influence	VERB
aijbe-441	133	9	profitability	profitability	NOUN
aijbe-441	133	10	of	of	ADP
aijbe-441	133	11	the	the	DET
aijbe-441	133	12	surveyed	survey	VERB
aijbe-441	133	13	bank	bank	NOUN
aijbe-441	133	14	(	(	PUNCT
aijbe-441	133	15	access	access	PROPN
aijbe-441	133	16	bank	bank	PROPN
aijbe-441	133	17	plc	plc	PROPN
aijbe-441	133	18	)	)	PUNCT
aijbe-441	133	19	.	.	PUNCT
aijbe-441	134	1	ekele	ekele	PROPN
aijbe-441	134	2	&	&	CCONJ
aijbe-441	134	3	sunday	sunday	PROPN
aijbe-441	134	4	(	(	PUNCT
aijbe-441	134	5	2020	2020	NUM
aijbe-441	134	6	)	)	PUNCT
aijbe-441	134	7	investigated	investigate	VERB
aijbe-441	134	8	the	the	DET
aijbe-441	134	9	implications	implication	NOUN
aijbe-441	134	10	of	of	ADP
aijbe-441	134	11	electronic	electronic	ADJ
aijbe-441	134	12	banking	banking	NOUN
aijbe-441	134	13	on	on	ADP
aijbe-441	134	14	commercial	commercial	ADJ
aijbe-441	134	15	banks	bank	NOUN
aijbe-441	134	16	’	'	PUNCT
aijbe-441	134	17	performance	performance	NOUN
aijbe-441	134	18	in	in	ADP
aijbe-441	134	19	nigeria	nigeria	PRON
aijbe-441	134	20	between	between	ADP
aijbe-441	134	21	2000	2000	NUM
aijbe-441	134	22	and	and	CCONJ
aijbe-441	134	23	2017	2017	NUM
aijbe-441	134	24	.	.	PUNCT
aijbe-441	135	1	the	the	DET
aijbe-441	135	2	study	study	NOUN
aijbe-441	135	3	adopted	adopt	VERB
aijbe-441	135	4	ex	ex	ADJ
aijbe-441	135	5	-	-	ADJ
aijbe-441	135	6	post	post	ADJ
aijbe-441	135	7	facto	facto	X
aijbe-441	135	8	research	research	NOUN
aijbe-441	135	9	design	design	NOUN
aijbe-441	135	10	.	.	PUNCT
aijbe-441	136	1	secondary	secondary	ADJ
aijbe-441	136	2	data	datum	NOUN
aijbe-441	136	3	on	on	ADP
aijbe-441	136	4	personal	personal	ADJ
aijbe-441	136	5	costs	cost	NOUN
aijbe-441	136	6	,	,	PUNCT
aijbe-441	136	7	profit	profit	NOUN
aijbe-441	136	8	,	,	PUNCT
aijbe-441	136	9	cost	cost	NOUN
aijbe-441	136	10	of	of	ADP
aijbe-441	136	11	training	training	NOUN
aijbe-441	136	12	and	and	CCONJ
aijbe-441	136	13	pension	pension	NOUN
aijbe-441	136	14	benefit	benefit	NOUN
aijbe-441	136	15	were	be	AUX
aijbe-441	136	16	obtained	obtain	VERB
aijbe-441	136	17	from	from	ADP
aijbe-441	136	18	the	the	DET
aijbe-441	136	19	audited	audit	VERB
aijbe-441	136	20	annual	annual	ADJ
aijbe-441	136	21	reports	report	NOUN
aijbe-441	136	22	of	of	ADP
aijbe-441	136	23	the	the	DET
aijbe-441	136	24	deposit	deposit	NOUN
aijbe-441	136	25	money	money	NOUN
aijbe-441	136	26	banks	bank	NOUN
aijbe-441	136	27	surveyed	survey	VERB
aijbe-441	136	28	.	.	PUNCT
aijbe-441	137	1	analysis	analysis	NOUN
aijbe-441	137	2	of	of	ADP
aijbe-441	137	3	data	datum	NOUN
aijbe-441	137	4	was	be	AUX
aijbe-441	137	5	done	do	VERB
aijbe-441	137	6	using	use	VERB
aijbe-441	137	7	panel	panel	NOUN
aijbe-441	137	8	regression	regression	NOUN
aijbe-441	137	9	techniques	technique	NOUN
aijbe-441	137	10	.	.	PUNCT
aijbe-441	138	1	findings	finding	NOUN
aijbe-441	138	2	showed	show	VERB
aijbe-441	138	3	that	that	SCONJ
aijbe-441	138	4	there	there	PRON
aijbe-441	138	5	is	be	VERB
aijbe-441	138	6	a	a	DET
aijbe-441	138	7	significant	significant	ADJ
aijbe-441	138	8	relationship	relationship	NOUN
aijbe-441	138	9	between	between	ADP
aijbe-441	138	10	electronic	electronic	ADJ
aijbe-441	138	11	banking	banking	NOUN
aijbe-441	138	12	and	and	CCONJ
aijbe-441	138	13	the	the	DET
aijbe-441	138	14	performance	performance	NOUN
aijbe-441	138	15	of	of	ADP
aijbe-441	138	16	commercial	commercial	ADJ
aijbe-441	138	17	banks	bank	NOUN
aijbe-441	138	18	in	in	ADP
aijbe-441	138	19	nigeria	nigeria	PROPN
aijbe-441	138	20	.	.	PUNCT
aijbe-441	139	1	on	on	ADP
aijbe-441	139	2	his	his	PRON
aijbe-441	139	3	part	part	NOUN
aijbe-441	139	4	,	,	PUNCT
aijbe-441	139	5	jimoh	jimoh	ADJ
aijbe-441	139	6	(	(	PUNCT
aijbe-441	139	7	2019	2019	NUM
aijbe-441	139	8	)	)	PUNCT
aijbe-441	139	9	examined	examine	VERB
aijbe-441	139	10	the	the	DET
aijbe-441	139	11	effect	effect	NOUN
aijbe-441	139	12	of	of	ADP
aijbe-441	139	13	electronic	electronic	ADJ
aijbe-441	139	14	banking	banking	NOUN
aijbe-441	139	15	on	on	ADP
aijbe-441	139	16	the	the	DET
aijbe-441	139	17	profitability	profitability	NOUN
aijbe-441	139	18	of	of	ADP
aijbe-441	139	19	deposit	deposit	NOUN
aijbe-441	139	20	money	money	NOUN
aijbe-441	139	21	banks	bank	NOUN
aijbe-441	139	22	in	in	ADP
aijbe-441	139	23	nigeria	nigeria	PROPN
aijbe-441	139	24	.	.	PUNCT
aijbe-441	140	1	the	the	DET
aijbe-441	140	2	independent	independent	ADJ
aijbe-441	140	3	variable	variable	NOUN
aijbe-441	140	4	(	(	PUNCT
aijbe-441	140	5	electronic	electronic	ADJ
aijbe-441	140	6	banking	banking	NOUN
aijbe-441	140	7	)	)	PUNCT
aijbe-441	140	8	was	be	AUX
aijbe-441	140	9	internet	internet	NOUN
aijbe-441	140	10	banking	banking	NOUN
aijbe-441	140	11	,	,	PUNCT
aijbe-441	140	12	mobile	mobile	ADJ
aijbe-441	140	13	banking	banking	NOUN
aijbe-441	140	14	,	,	PUNCT
aijbe-441	140	15	pos	pos	PROPN
aijbe-441	140	16	,	,	PUNCT
aijbe-441	140	17	and	and	CCONJ
aijbe-441	140	18	dr	dr	PROPN
aijbe-441	140	19	.	.	PROPN
aijbe-441	140	20	aniebiet	aniebiet	PROPN
aijbe-441	140	21	etuk	etuk	PROPN
aijbe-441	140	22	,	,	PUNCT
aijbe-441	140	23	aniefiok	aniefiok	PROPN
aijbe-441	140	24	okon	okon	PROPN
aijbe-441	140	25	akpan	akpan	PROPN
aijbe-441	140	26	and	and	CCONJ
aijbe-441	140	27	aniekan	aniekan	PROPN
aijbe-441	140	28	eyo	eyo	PROPN
aijbe-441	140	29	awah	awah	PROPN
aijbe-441	140	30	(	(	PUNCT
aijbe-441	140	31	2023	2023	NUM
aijbe-441	140	32	)	)	PUNCT
aijbe-441	140	33	29	29	NUM
aijbe-441	140	34	american	american	ADJ
aijbe-441	140	35	interdisciplinary	interdisciplinary	ADJ
aijbe-441	140	36	journal	journal	NOUN
aijbe-441	140	37	of	of	ADP
aijbe-441	140	38	business	business	NOUN
aijbe-441	140	39	and	and	CCONJ
aijbe-441	140	40	economics	economic	NOUN
aijbe-441	140	41	|	|	ADV
aijbe-441	140	42	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	140	43	atm	atm	NOUN
aijbe-441	140	44	,	,	PUNCT
aijbe-441	140	45	while	while	SCONJ
aijbe-441	140	46	profit	profit	NOUN
aijbe-441	140	47	margin	margin	NOUN
aijbe-441	140	48	was	be	AUX
aijbe-441	140	49	used	use	VERB
aijbe-441	140	50	to	to	PART
aijbe-441	140	51	represent	represent	VERB
aijbe-441	140	52	the	the	DET
aijbe-441	140	53	dependent	dependent	ADJ
aijbe-441	140	54	variable	variable	NOUN
aijbe-441	140	55	.	.	PUNCT
aijbe-441	141	1	time	time	NOUN
aijbe-441	141	2	series	series	PROPN
aijbe-441	141	3	data	datum	NOUN
aijbe-441	141	4	were	be	AUX
aijbe-441	141	5	obtained	obtain	VERB
aijbe-441	141	6	from	from	ADP
aijbe-441	141	7	annual	annual	ADJ
aijbe-441	141	8	reports	report	NOUN
aijbe-441	141	9	of	of	ADP
aijbe-441	141	10	nigerian	nigerian	ADJ
aijbe-441	141	11	deposit	deposit	NOUN
aijbe-441	141	12	money	money	NOUN
aijbe-441	141	13	banks	bank	NOUN
aijbe-441	141	14	covering	cover	VERB
aijbe-441	141	15	the	the	DET
aijbe-441	141	16	period	period	NOUN
aijbe-441	141	17	2006	2006	NUM
aijbe-441	141	18	to	to	ADP
aijbe-441	141	19	2015	2015	NUM
aijbe-441	141	20	.	.	PUNCT
aijbe-441	142	1	four	four	NUM
aijbe-441	142	2	hypotheses	hypothesis	NOUN
aijbe-441	142	3	formulated	formulate	VERB
aijbe-441	142	4	were	be	AUX
aijbe-441	142	5	tested	test	VERB
aijbe-441	142	6	using	use	VERB
aijbe-441	142	7	least	least	ADJ
aijbe-441	142	8	square	square	ADJ
aijbe-441	142	9	regression	regression	NOUN
aijbe-441	142	10	technique.the	technique.the	DET
aijbe-441	142	11	results	result	NOUN
aijbe-441	142	12	revealed	reveal	VERB
aijbe-441	142	13	the	the	DET
aijbe-441	142	14	existence	existence	NOUN
aijbe-441	142	15	of	of	ADP
aijbe-441	142	16	a	a	DET
aijbe-441	142	17	positive	positive	ADJ
aijbe-441	142	18	relationship	relationship	NOUN
aijbe-441	142	19	between	between	ADP
aijbe-441	142	20	mobile	mobile	ADJ
aijbe-441	142	21	banking	banking	NOUN
aijbe-441	142	22	and	and	CCONJ
aijbe-441	142	23	profitability	profitability	NOUN
aijbe-441	142	24	of	of	ADP
aijbe-441	142	25	deposit	deposit	NOUN
aijbe-441	142	26	money	money	NOUN
aijbe-441	142	27	banks	bank	NOUN
aijbe-441	142	28	.	.	PUNCT
aijbe-441	143	1	also	also	ADV
aijbe-441	143	2	,	,	PUNCT
aijbe-441	143	3	the	the	DET
aijbe-441	143	4	relationship	relationship	NOUN
aijbe-441	143	5	between	between	ADP
aijbe-441	143	6	pos	pos	NOUN
aijbe-441	143	7	,	,	PUNCT
aijbe-441	143	8	atm	atm	ADJ
aijbe-441	143	9	,	,	PUNCT
aijbe-441	143	10	mobile	mobile	ADJ
aijbe-441	143	11	banking	banking	NOUN
aijbe-441	143	12	and	and	CCONJ
aijbe-441	143	13	profitability	profitability	NOUN
aijbe-441	143	14	was	be	AUX
aijbe-441	143	15	found	find	VERB
aijbe-441	143	16	to	to	PART
aijbe-441	143	17	be	be	AUX
aijbe-441	143	18	statistically	statistically	ADV
aijbe-441	143	19	significant	significant	ADJ
aijbe-441	143	20	,	,	PUNCT
aijbe-441	143	21	while	while	SCONJ
aijbe-441	143	22	that	that	PRON
aijbe-441	143	23	of	of	ADP
aijbe-441	143	24	internet	internet	NOUN
aijbe-441	143	25	banking	banking	NOUN
aijbe-441	143	26	was	be	AUX
aijbe-441	143	27	statistically	statistically	ADV
aijbe-441	143	28	insignificant	insignificant	ADJ
aijbe-441	143	29	.	.	PUNCT
aijbe-441	144	1	enoruwa	enoruwa	ADJ
aijbe-441	144	2	,	,	PUNCT
aijbe-441	144	3	ezuem	ezuem	ADJ
aijbe-441	144	4	&	&	CCONJ
aijbe-441	144	5	nwani	nwani	X
aijbe-441	144	6	(	(	PUNCT
aijbe-441	144	7	2019	2019	NUM
aijbe-441	144	8	)	)	PUNCT
aijbe-441	144	9	studied	study	VERB
aijbe-441	144	10	the	the	DET
aijbe-441	144	11	relationship	relationship	NOUN
aijbe-441	144	12	between	between	ADP
aijbe-441	144	13	electronic	electronic	ADJ
aijbe-441	144	14	banking	banking	NOUN
aijbe-441	144	15	and	and	CCONJ
aijbe-441	144	16	bank	bank	NOUN
aijbe-441	144	17	performance	performance	NOUN
aijbe-441	144	18	in	in	ADP
aijbe-441	144	19	nigeria	nigeria	PROPN
aijbe-441	144	20	using	use	VERB
aijbe-441	144	21	ex	ex	NOUN
aijbe-441	144	22	-	-	ADJ
aijbe-441	144	23	post	post	ADJ
aijbe-441	144	24	facto	facto	X
aijbe-441	144	25	research	research	NOUN
aijbe-441	144	26	design	design	NOUN
aijbe-441	144	27	.	.	PUNCT
aijbe-441	145	1	secondary	secondary	ADJ
aijbe-441	145	2	data	datum	NOUN
aijbe-441	145	3	were	be	AUX
aijbe-441	145	4	obtained	obtain	VERB
aijbe-441	145	5	for	for	ADP
aijbe-441	145	6	the	the	DET
aijbe-441	145	7	study	study	NOUN
aijbe-441	145	8	from	from	ADP
aijbe-441	145	9	the	the	DET
aijbe-441	145	10	central	central	ADJ
aijbe-441	145	11	bank	bank	PROPN
aijbe-441	145	12	of	of	ADP
aijbe-441	145	13	nigeria	nigeria	PROPN
aijbe-441	145	14	bulletin	bulletin	NOUN
aijbe-441	145	15	covering	cover	VERB
aijbe-441	145	16	the	the	DET
aijbe-441	145	17	period	period	NOUN
aijbe-441	145	18	between	between	ADP
aijbe-441	145	19	2009	2009	NUM
aijbe-441	145	20	and	and	CCONJ
aijbe-441	145	21	2017	2017	NUM
aijbe-441	145	22	.	.	PUNCT
aijbe-441	146	1	the	the	DET
aijbe-441	146	2	authors	author	NOUN
aijbe-441	146	3	used	use	VERB
aijbe-441	146	4	the	the	DET
aijbe-441	146	5	total	total	ADJ
aijbe-441	146	6	bank	bank	NOUN
aijbe-441	146	7	deposit	deposit	NOUN
aijbe-441	146	8	to	to	PART
aijbe-441	146	9	measure	measure	VERB
aijbe-441	146	10	bank	bank	NOUN
aijbe-441	146	11	performance	performance	NOUN
aijbe-441	146	12	while	while	SCONJ
aijbe-441	146	13	transactional	transactional	ADJ
aijbe-441	146	14	values	value	NOUN
aijbe-441	146	15	of	of	ADP
aijbe-441	146	16	automated	automate	VERB
aijbe-441	146	17	teller	teller	NOUN
aijbe-441	146	18	machine	machine	NOUN
aijbe-441	146	19	,	,	PUNCT
aijbe-441	146	20	mobile	mobile	ADJ
aijbe-441	146	21	banking	banking	NOUN
aijbe-441	146	22	,	,	PUNCT
aijbe-441	146	23	point	point	NOUN
aijbe-441	146	24	of	of	ADP
aijbe-441	146	25	sales	sale	NOUN
aijbe-441	146	26	and	and	CCONJ
aijbe-441	146	27	web	web	NOUN
aijbe-441	146	28	pay	pay	NOUN
aijbe-441	146	29	were	be	AUX
aijbe-441	146	30	used	use	VERB
aijbe-441	146	31	as	as	ADP
aijbe-441	146	32	proxies	proxy	NOUN
aijbe-441	146	33	for	for	ADP
aijbe-441	146	34	electronic	electronic	ADJ
aijbe-441	146	35	banking	banking	NOUN
aijbe-441	146	36	.	.	PUNCT
aijbe-441	147	1	pearson	pearson	PROPN
aijbe-441	147	2	correlation	correlation	NOUN
aijbe-441	147	3	analysis	analysis	NOUN
aijbe-441	147	4	was	be	AUX
aijbe-441	147	5	carried	carry	VERB
aijbe-441	147	6	on	on	ADP
aijbe-441	147	7	the	the	DET
aijbe-441	147	8	data	datum	NOUN
aijbe-441	147	9	and	and	CCONJ
aijbe-441	147	10	the	the	DET
aijbe-441	147	11	results	result	NOUN
aijbe-441	147	12	showed	show	VERB
aijbe-441	147	13	the	the	DET
aijbe-441	147	14	existence	existence	NOUN
aijbe-441	147	15	of	of	ADP
aijbe-441	147	16	significant	significant	ADJ
aijbe-441	147	17	positive	positive	ADJ
aijbe-441	147	18	relationship	relationship	NOUN
aijbe-441	147	19	between	between	ADP
aijbe-441	147	20	each	each	PRON
aijbe-441	147	21	of	of	ADP
aijbe-441	147	22	the	the	DET
aijbe-441	147	23	electronic	electronic	ADJ
aijbe-441	147	24	channels	channel	NOUN
aijbe-441	147	25	and	and	CCONJ
aijbe-441	147	26	bank	bank	NOUN
aijbe-441	147	27	performance	performance	NOUN
aijbe-441	147	28	.	.	PUNCT
aijbe-441	148	1	the	the	DET
aijbe-441	148	2	study	study	NOUN
aijbe-441	148	3	also	also	ADV
aijbe-441	148	4	revealed	reveal	VERB
aijbe-441	148	5	a	a	DET
aijbe-441	148	6	high	high	ADJ
aijbe-441	148	7	correlation	correlation	NOUN
aijbe-441	148	8	existing	exist	VERB
aijbe-441	148	9	between	between	ADP
aijbe-441	148	10	the	the	DET
aijbe-441	148	11	predictors	predictor	NOUN
aijbe-441	148	12	.	.	PUNCT
aijbe-441	149	1	in	in	ADP
aijbe-441	149	2	kenya	kenya	PROPN
aijbe-441	149	3	,	,	PUNCT
aijbe-441	149	4	ogutu	ogutu	PROPN
aijbe-441	149	5	&	&	CCONJ
aijbe-441	149	6	fatoki	fatoki	PROPN
aijbe-441	149	7	(	(	PUNCT
aijbe-441	149	8	2019	2019	NUM
aijbe-441	149	9	)	)	PUNCT
aijbe-441	149	10	examined	examine	VERB
aijbe-441	149	11	the	the	DET
aijbe-441	149	12	effect	effect	NOUN
aijbe-441	149	13	of	of	ADP
aijbe-441	149	14	e	e	NOUN
aijbe-441	149	15	-	-	NOUN
aijbe-441	149	16	banking	banking	NOUN
aijbe-441	149	17	on	on	ADP
aijbe-441	149	18	financial	financial	ADJ
aijbe-441	149	19	performance	performance	NOUN
aijbe-441	149	20	of	of	ADP
aijbe-441	149	21	listed	list	VERB
aijbe-441	149	22	commercial	commercial	ADJ
aijbe-441	149	23	banks	bank	NOUN
aijbe-441	149	24	in	in	ADP
aijbe-441	149	25	the	the	DET
aijbe-441	149	26	country	country	NOUN
aijbe-441	149	27	.	.	PUNCT
aijbe-441	150	1	four	four	NUM
aijbe-441	150	2	objectives	objective	NOUN
aijbe-441	150	3	were	be	AUX
aijbe-441	150	4	formulated	formulate	VERB
aijbe-441	150	5	to	to	PART
aijbe-441	150	6	guide	guide	VERB
aijbe-441	150	7	the	the	DET
aijbe-441	150	8	study	study	NOUN
aijbe-441	150	9	in	in	ADP
aijbe-441	150	10	order	order	NOUN
aijbe-441	150	11	to	to	PART
aijbe-441	150	12	be	be	AUX
aijbe-441	150	13	able	able	ADJ
aijbe-441	150	14	to	to	PART
aijbe-441	150	15	establish	establish	VERB
aijbe-441	150	16	the	the	DET
aijbe-441	150	17	effect	effect	NOUN
aijbe-441	150	18	of	of	ADP
aijbe-441	150	19	mobile	mobile	ADJ
aijbe-441	150	20	banking	banking	NOUN
aijbe-441	150	21	,	,	PUNCT
aijbe-441	150	22	atm	atm	PROPN
aijbe-441	150	23	banking	banking	NOUN
aijbe-441	150	24	,	,	PUNCT
aijbe-441	150	25	agency	agency	NOUN
aijbe-441	150	26	banking	banking	NOUN
aijbe-441	150	27	,	,	PUNCT
aijbe-441	150	28	and	and	CCONJ
aijbe-441	150	29	online	online	ADJ
aijbe-441	150	30	banking	banking	NOUN
aijbe-441	150	31	on	on	ADP
aijbe-441	150	32	financial	financial	ADJ
aijbe-441	150	33	performance	performance	NOUN
aijbe-441	150	34	of	of	ADP
aijbe-441	150	35	commercial	commercial	ADJ
aijbe-441	150	36	banks	bank	NOUN
aijbe-441	150	37	in	in	ADP
aijbe-441	150	38	kenya	kenya	PROPN
aijbe-441	150	39	.	.	PUNCT
aijbe-441	151	1	quantitative	quantitative	ADJ
aijbe-441	151	2	research	research	NOUN
aijbe-441	151	3	design	design	NOUN
aijbe-441	151	4	was	be	AUX
aijbe-441	151	5	adopted	adopt	VERB
aijbe-441	151	6	for	for	ADP
aijbe-441	151	7	the	the	DET
aijbe-441	151	8	study	study	NOUN
aijbe-441	151	9	.	.	PUNCT
aijbe-441	152	1	secondary	secondary	ADJ
aijbe-441	152	2	data	datum	NOUN
aijbe-441	152	3	used	use	VERB
aijbe-441	152	4	in	in	ADP
aijbe-441	152	5	the	the	DET
aijbe-441	152	6	study	study	NOUN
aijbe-441	152	7	were	be	AUX
aijbe-441	152	8	obtained	obtain	VERB
aijbe-441	152	9	from	from	ADP
aijbe-441	152	10	the	the	DET
aijbe-441	152	11	banking	banking	NOUN
aijbe-441	152	12	supervisory	supervisory	ADJ
aijbe-441	152	13	reports	report	NOUN
aijbe-441	152	14	of	of	ADP
aijbe-441	152	15	the	the	DET
aijbe-441	152	16	central	central	ADJ
aijbe-441	152	17	bank	bank	PROPN
aijbe-441	152	18	of	of	ADP
aijbe-441	152	19	kenya	kenya	PROPN
aijbe-441	152	20	and	and	CCONJ
aijbe-441	152	21	annual	annual	ADJ
aijbe-441	152	22	reports	report	NOUN
aijbe-441	152	23	of	of	ADP
aijbe-441	152	24	kenyan	kenyan	ADJ
aijbe-441	152	25	commercial	commercial	ADJ
aijbe-441	152	26	banks	bank	NOUN
aijbe-441	152	27	.	.	PUNCT
aijbe-441	153	1	descriptive	descriptive	ADJ
aijbe-441	153	2	and	and	CCONJ
aijbe-441	153	3	inferential	inferential	ADJ
aijbe-441	153	4	statistics	statistic	NOUN
aijbe-441	153	5	were	be	AUX
aijbe-441	153	6	used	use	VERB
aijbe-441	153	7	to	to	PART
aijbe-441	153	8	analyze	analyze	VERB
aijbe-441	153	9	the	the	DET
aijbe-441	153	10	data	datum	NOUN
aijbe-441	153	11	,	,	PUNCT
aijbe-441	153	12	and	and	CCONJ
aijbe-441	153	13	the	the	DET
aijbe-441	153	14	results	result	NOUN
aijbe-441	153	15	showed	show	VERB
aijbe-441	153	16	a	a	DET
aijbe-441	153	17	strong	strong	ADJ
aijbe-441	153	18	positive	positive	ADJ
aijbe-441	153	19	relationship	relationship	NOUN
aijbe-441	153	20	existing	exist	VERB
aijbe-441	153	21	between	between	ADP
aijbe-441	153	22	mobile	mobile	ADJ
aijbe-441	153	23	banking	banking	NOUN
aijbe-441	153	24	,	,	PUNCT
aijbe-441	153	25	atm	atm	PROPN
aijbe-441	153	26	banking	banking	NOUN
aijbe-441	153	27	,	,	PUNCT
aijbe-441	153	28	agency	agency	NOUN
aijbe-441	153	29	banking	banking	NOUN
aijbe-441	153	30	,	,	PUNCT
aijbe-441	153	31	online	online	ADJ
aijbe-441	153	32	banking	banking	NOUN
aijbe-441	153	33	and	and	CCONJ
aijbe-441	153	34	financial	financial	ADJ
aijbe-441	153	35	performance	performance	NOUN
aijbe-441	153	36	of	of	ADP
aijbe-441	153	37	banks	bank	NOUN
aijbe-441	153	38	in	in	ADP
aijbe-441	153	39	kenya	kenya	PROPN
aijbe-441	153	40	.	.	PUNCT
aijbe-441	154	1	similarly	similarly	ADV
aijbe-441	154	2	,	,	PUNCT
aijbe-441	154	3	mapharing	mapharing	NOUN
aijbe-441	154	4	&	&	CCONJ
aijbe-441	154	5	basuhp	basuhp	PROPN
aijbe-441	154	6	(	(	PUNCT
aijbe-441	154	7	2017	2017	NUM
aijbe-441	154	8	)	)	PUNCT
aijbe-441	154	9	earlier	early	ADV
aijbe-441	154	10	carried	carry	VERB
aijbe-441	154	11	out	out	ADP
aijbe-441	154	12	a	a	DET
aijbe-441	154	13	study	study	NOUN
aijbe-441	154	14	on	on	ADP
aijbe-441	154	15	the	the	DET
aijbe-441	154	16	relationship	relationship	NOUN
aijbe-441	154	17	between	between	ADP
aijbe-441	154	18	electronic	electronic	ADJ
aijbe-441	154	19	banking	banking	NOUN
aijbe-441	154	20	and	and	CCONJ
aijbe-441	154	21	bank	bank	NOUN
aijbe-441	154	22	performance	performance	NOUN
aijbe-441	154	23	in	in	ADP
aijbe-441	154	24	botswana	botswana	PROPN
aijbe-441	154	25	.	.	PUNCT
aijbe-441	155	1	the	the	DET
aijbe-441	155	2	study	study	NOUN
aijbe-441	155	3	employed	employ	VERB
aijbe-441	155	4	the	the	DET
aijbe-441	155	5	descriptive	descriptive	ADJ
aijbe-441	155	6	design	design	NOUN
aijbe-441	155	7	to	to	PART
aijbe-441	155	8	find	find	VERB
aijbe-441	155	9	out	out	ADP
aijbe-441	155	10	if	if	SCONJ
aijbe-441	155	11	electronic	electronic	ADJ
aijbe-441	155	12	banking	banking	NOUN
aijbe-441	155	13	indicators	indicator	NOUN
aijbe-441	155	14	such	such	ADJ
aijbe-441	155	15	as	as	ADP
aijbe-441	155	16	automated	automate	VERB
aijbe-441	155	17	teller	teller	NOUN
aijbe-441	155	18	machine	machine	NOUN
aijbe-441	155	19	,	,	PUNCT
aijbe-441	155	20	electronic	electronic	ADJ
aijbe-441	155	21	fund	fund	NOUN
aijbe-441	155	22	transfer	transfer	NOUN
aijbe-441	155	23	,	,	PUNCT
aijbe-441	155	24	cheque	cheque	NOUN
aijbe-441	155	25	clearance	clearance	NOUN
aijbe-441	155	26	,	,	PUNCT
aijbe-441	155	27	and	and	CCONJ
aijbe-441	155	28	electronic	electronic	ADJ
aijbe-441	155	29	cash	cash	NOUN
aijbe-441	155	30	transfer	transfer	NOUN
aijbe-441	155	31	at	at	ADP
aijbe-441	155	32	point	point	NOUN
aijbe-441	155	33	of	of	ADP
aijbe-441	155	34	sale	sale	NOUN
aijbe-441	155	35	have	have	VERB
aijbe-441	155	36	an	an	DET
aijbe-441	155	37	effect	effect	NOUN
aijbe-441	155	38	on	on	ADP
aijbe-441	155	39	financial	financial	ADJ
aijbe-441	155	40	performance	performance	NOUN
aijbe-441	155	41	of	of	ADP
aijbe-441	155	42	banks	bank	NOUN
aijbe-441	155	43	in	in	ADP
aijbe-441	155	44	botswana	botswana	PROPN
aijbe-441	155	45	.	.	PUNCT
aijbe-441	156	1	secondary	secondary	ADJ
aijbe-441	156	2	data	datum	NOUN
aijbe-441	156	3	for	for	ADP
aijbe-441	156	4	a	a	DET
aijbe-441	156	5	period	period	NOUN
aijbe-441	156	6	of	of	ADP
aijbe-441	156	7	ten	ten	NUM
aijbe-441	156	8	years	year	NOUN
aijbe-441	156	9	were	be	AUX
aijbe-441	156	10	obtained	obtain	VERB
aijbe-441	156	11	from	from	ADP
aijbe-441	156	12	the	the	DET
aijbe-441	156	13	financial	financial	ADJ
aijbe-441	156	14	statistics	statistic	NOUN
aijbe-441	156	15	reports	report	NOUN
aijbe-441	156	16	of	of	ADP
aijbe-441	156	17	the	the	DET
aijbe-441	156	18	bank	bank	NOUN
aijbe-441	156	19	of	of	ADP
aijbe-441	156	20	botswana	botswana	PROPN
aijbe-441	156	21	.	.	PUNCT
aijbe-441	157	1	the	the	DET
aijbe-441	157	2	data	datum	NOUN
aijbe-441	157	3	were	be	AUX
aijbe-441	157	4	analyzed	analyze	VERB
aijbe-441	157	5	using	use	VERB
aijbe-441	157	6	multiple	multiple	ADJ
aijbe-441	157	7	regression	regression	NOUN
aijbe-441	157	8	technique	technique	NOUN
aijbe-441	157	9	to	to	PART
aijbe-441	157	10	determine	determine	VERB
aijbe-441	157	11	the	the	DET
aijbe-441	157	12	relationship	relationship	NOUN
aijbe-441	157	13	between	between	ADP
aijbe-441	157	14	the	the	DET
aijbe-441	157	15	dependent	dependent	ADJ
aijbe-441	157	16	variable	variable	NOUN
aijbe-441	157	17	(	(	PUNCT
aijbe-441	157	18	profitability	profitability	NOUN
aijbe-441	157	19	,	,	PUNCT
aijbe-441	157	20	measured	measure	VERB
aijbe-441	157	21	by	by	ADP
aijbe-441	157	22	return	return	NOUN
aijbe-441	157	23	on	on	ADP
aijbe-441	157	24	assets	asset	NOUN
aijbe-441	157	25	)	)	PUNCT
aijbe-441	157	26	and	and	CCONJ
aijbe-441	157	27	the	the	DET
aijbe-441	157	28	independent	independent	ADJ
aijbe-441	157	29	variable	variable	NOUN
aijbe-441	157	30	(	(	PUNCT
aijbe-441	157	31	electronic	electronic	ADJ
aijbe-441	157	32	banking	banking	NOUN
aijbe-441	157	33	indicators	indicator	NOUN
aijbe-441	157	34	)	)	PUNCT
aijbe-441	157	35	.	.	PUNCT
aijbe-441	158	1	the	the	DET
aijbe-441	158	2	results	result	NOUN
aijbe-441	158	3	showed	show	VERB
aijbe-441	158	4	that	that	SCONJ
aijbe-441	158	5	the	the	DET
aijbe-441	158	6	relationship	relationship	NOUN
aijbe-441	158	7	between	between	ADP
aijbe-441	158	8	electronic	electronic	ADJ
aijbe-441	158	9	fund	fund	NOUN
aijbe-441	158	10	transfer	transfer	NOUN
aijbe-441	158	11	,	,	PUNCT
aijbe-441	158	12	automated	automate	VERB
aijbe-441	158	13	teller	teller	NOUN
aijbe-441	158	14	machine	machine	NOUN
aijbe-441	158	15	,	,	PUNCT
aijbe-441	158	16	electronic	electronic	ADJ
aijbe-441	158	17	fund	fund	NOUN
aijbe-441	158	18	transfer	transfer	NOUN
aijbe-441	158	19	at	at	ADP
aijbe-441	158	20	point	point	NOUN
aijbe-441	158	21	of	of	ADP
aijbe-441	158	22	sale	sale	NOUN
aijbe-441	158	23	and	and	CCONJ
aijbe-441	158	24	financial	financial	ADJ
aijbe-441	158	25	performance	performance	NOUN
aijbe-441	158	26	was	be	AUX
aijbe-441	158	27	statistically	statistically	ADV
aijbe-441	158	28	insignificant	insignificant	ADJ
aijbe-441	158	29	.	.	PUNCT
aijbe-441	159	1	it	it	PRON
aijbe-441	159	2	was	be	AUX
aijbe-441	159	3	only	only	ADV
aijbe-441	159	4	cheque	cheque	NOUN
aijbe-441	159	5	clearance	clearance	NOUN
aijbe-441	159	6	that	that	PRON
aijbe-441	159	7	had	have	VERB
aijbe-441	159	8	statistically	statistically	ADV
aijbe-441	159	9	significant	significant	ADJ
aijbe-441	159	10	relationship	relationship	NOUN
aijbe-441	159	11	with	with	ADP
aijbe-441	159	12	bank	bank	NOUN
aijbe-441	159	13	performance	performance	NOUN
aijbe-441	159	14	.	.	PUNCT
aijbe-441	160	1	ajayi	ajayi	NOUN
aijbe-441	160	2	&	&	CCONJ
aijbe-441	160	3	enitilo	enitilo	PROPN
aijbe-441	160	4	(	(	PUNCT
aijbe-441	160	5	2016	2016	NUM
aijbe-441	160	6	)	)	PUNCT
aijbe-441	160	7	investigated	investigate	VERB
aijbe-441	160	8	the	the	DET
aijbe-441	160	9	impact	impact	NOUN
aijbe-441	160	10	of	of	ADP
aijbe-441	160	11	electronic	electronic	ADJ
aijbe-441	160	12	banking	banking	NOUN
aijbe-441	160	13	on	on	ADP
aijbe-441	160	14	bank	bank	NOUN
aijbe-441	160	15	performance	performance	NOUN
aijbe-441	160	16	in	in	ADP
aijbe-441	160	17	ekiti	ekiti	PROPN
aijbe-441	160	18	state	state	PROPN
aijbe-441	160	19	,	,	PUNCT
aijbe-441	160	20	nigeria	nigeria	PROPN
aijbe-441	160	21	.	.	PUNCT
aijbe-441	161	1	the	the	DET
aijbe-441	161	2	authors	author	NOUN
aijbe-441	161	3	adopted	adopt	VERB
aijbe-441	161	4	census	census	NOUN
aijbe-441	161	5	sampling	sampling	NOUN
aijbe-441	161	6	technique	technique	NOUN
aijbe-441	161	7	and	and	CCONJ
aijbe-441	161	8	collected	collect	VERB
aijbe-441	161	9	primary	primary	ADJ
aijbe-441	161	10	data	datum	NOUN
aijbe-441	161	11	from	from	ADP
aijbe-441	161	12	one	one	NUM
aijbe-441	161	13	hundred	hundred	NUM
aijbe-441	161	14	and	and	CCONJ
aijbe-441	161	15	twenty	twenty	NUM
aijbe-441	161	16	eight	eight	NUM
aijbe-441	161	17	senior	senior	ADJ
aijbe-441	161	18	staff	staff	NOUN
aijbe-441	161	19	members	member	NOUN
aijbe-441	161	20	of	of	ADP
aijbe-441	161	21	the	the	DET
aijbe-441	161	22	seventeen	seventeen	NUM
aijbe-441	161	23	deposit	deposit	NOUN
aijbe-441	161	24	money	money	NOUN
aijbe-441	161	25	banks	bank	NOUN
aijbe-441	161	26	surveyed	survey	VERB
aijbe-441	161	27	.	.	PUNCT
aijbe-441	162	1	the	the	DET
aijbe-441	162	2	data	datum	NOUN
aijbe-441	162	3	were	be	AUX
aijbe-441	162	4	analyzed	analyze	VERB
aijbe-441	162	5	using	use	VERB
aijbe-441	162	6	multiple	multiple	ADJ
aijbe-441	162	7	regression	regression	NOUN
aijbe-441	162	8	to	to	PART
aijbe-441	162	9	achieve	achieve	VERB
aijbe-441	162	10	the	the	DET
aijbe-441	162	11	objectives	objective	NOUN
aijbe-441	162	12	of	of	ADP
aijbe-441	162	13	the	the	DET
aijbe-441	162	14	study	study	NOUN
aijbe-441	162	15	.	.	PUNCT
aijbe-441	163	1	results	result	NOUN
aijbe-441	163	2	of	of	ADP
aijbe-441	163	3	the	the	DET
aijbe-441	163	4	analysis	analysis	NOUN
aijbe-441	163	5	revealed	reveal	VERB
aijbe-441	163	6	that	that	SCONJ
aijbe-441	163	7	electronic	electronic	ADJ
aijbe-441	163	8	banking	banking	NOUN
aijbe-441	163	9	has	have	VERB
aijbe-441	163	10	significant	significant	ADJ
aijbe-441	163	11	influence	influence	NOUN
aijbe-441	163	12	on	on	ADP
aijbe-441	163	13	bank	bank	NOUN
aijbe-441	163	14	performance	performance	NOUN
aijbe-441	163	15	.	.	PUNCT
aijbe-441	164	1	dr	dr	PROPN
aijbe-441	164	2	.	.	PROPN
aijbe-441	164	3	aniebiet	aniebiet	PROPN
aijbe-441	164	4	etuk	etuk	PROPN
aijbe-441	164	5	,	,	PUNCT
aijbe-441	164	6	aniefiok	aniefiok	PROPN
aijbe-441	164	7	okon	okon	PROPN
aijbe-441	164	8	akpan	akpan	PROPN
aijbe-441	164	9	and	and	CCONJ
aijbe-441	164	10	aniekan	aniekan	PROPN
aijbe-441	164	11	eyo	eyo	PROPN
aijbe-441	164	12	awah	awah	PROPN
aijbe-441	164	13	(	(	PUNCT
aijbe-441	164	14	2023	2023	NUM
aijbe-441	164	15	)	)	PUNCT
aijbe-441	164	16	30	30	NUM
aijbe-441	164	17	american	american	ADJ
aijbe-441	164	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	164	19	journal	journal	NOUN
aijbe-441	164	20	of	of	ADP
aijbe-441	164	21	business	business	NOUN
aijbe-441	164	22	and	and	CCONJ
aijbe-441	164	23	economics	economic	NOUN
aijbe-441	164	24	|	|	ADV
aijbe-441	164	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	164	26	2.4	2.4	NUM
aijbe-441	164	27	conceptual	conceptual	ADJ
aijbe-441	164	28	model	model	NOUN
aijbe-441	164	29	based	base	VERB
aijbe-441	164	30	on	on	ADP
aijbe-441	164	31	the	the	DET
aijbe-441	164	32	hypotheses	hypothesis	NOUN
aijbe-441	164	33	,	,	PUNCT
aijbe-441	164	34	the	the	DET
aijbe-441	164	35	following	follow	VERB
aijbe-441	164	36	conceptual	conceptual	ADJ
aijbe-441	164	37	model	model	NOUN
aijbe-441	164	38	was	be	AUX
aijbe-441	164	39	constructed	construct	VERB
aijbe-441	164	40	independent	independent	ADJ
aijbe-441	164	41	variables	variable	NOUN
aijbe-441	164	42	dependent	dependent	ADJ
aijbe-441	164	43	variable	variable	ADJ
aijbe-441	164	44	fig	fig	NOUN
aijbe-441	164	45	1	1	NUM
aijbe-441	164	46	:	:	PUNCT
aijbe-441	164	47	research	research	NOUN
aijbe-441	164	48	model	model	NOUN
aijbe-441	164	49	of	of	ADP
aijbe-441	164	50	electronic	electronic	ADJ
aijbe-441	164	51	banking	banking	NOUN
aijbe-441	164	52	and	and	CCONJ
aijbe-441	164	53	marketing	marketing	NOUN
aijbe-441	164	54	performance	performance	NOUN
aijbe-441	164	55	source	source	NOUN
aijbe-441	164	56	:	:	PUNCT
aijbe-441	164	57	researcher	researcher	NOUN
aijbe-441	164	58	’s	’s	PART
aijbe-441	164	59	construct	construct	VERB
aijbe-441	164	60	2023	2023	NUM
aijbe-441	164	61	section	section	NOUN
aijbe-441	164	62	3	3	NUM
aijbe-441	164	63	:	:	PUNCT
aijbe-441	164	64	methodology	methodology	NOUN
aijbe-441	164	65	3.1	3.1	NUM
aijbe-441	164	66	research	research	NOUN
aijbe-441	164	67	design	design	NOUN
aijbe-441	164	68	for	for	ADP
aijbe-441	164	69	this	this	DET
aijbe-441	164	70	study	study	NOUN
aijbe-441	164	71	,	,	PUNCT
aijbe-441	164	72	the	the	DET
aijbe-441	164	73	survey	survey	NOUN
aijbe-441	164	74	research	research	NOUN
aijbe-441	164	75	design	design	NOUN
aijbe-441	164	76	was	be	AUX
aijbe-441	164	77	adopted	adopt	VERB
aijbe-441	164	78	to	to	PART
aijbe-441	164	79	investigate	investigate	VERB
aijbe-441	164	80	the	the	DET
aijbe-441	164	81	influence	influence	NOUN
aijbe-441	164	82	of	of	ADP
aijbe-441	164	83	electronic	electronic	ADJ
aijbe-441	164	84	banking	banking	NOUN
aijbe-441	164	85	on	on	ADP
aijbe-441	164	86	marketing	marketing	NOUN
aijbe-441	164	87	performance	performance	NOUN
aijbe-441	164	88	of	of	ADP
aijbe-441	164	89	deposit	deposit	NOUN
aijbe-441	164	90	money	money	NOUN
aijbe-441	164	91	banks	bank	NOUN
aijbe-441	164	92	in	in	ADP
aijbe-441	164	93	uyo	uyo	NOUN
aijbe-441	164	94	,	,	PUNCT
aijbe-441	164	95	akwaibom	akwaibom	NOUN
aijbe-441	164	96	state	state	NOUN
aijbe-441	164	97	.	.	PUNCT
aijbe-441	165	1	3.2	3.2	NUM
aijbe-441	165	2	population	population	NOUN
aijbe-441	165	3	and	and	CCONJ
aijbe-441	165	4	sample	sample	NOUN
aijbe-441	165	5	size	size	NOUN
aijbe-441	165	6	the	the	DET
aijbe-441	165	7	population	population	NOUN
aijbe-441	165	8	of	of	ADP
aijbe-441	165	9	the	the	DET
aijbe-441	165	10	study	study	NOUN
aijbe-441	165	11	comprised	comprise	VERB
aijbe-441	165	12	senior	senior	ADJ
aijbe-441	165	13	bank	bank	NOUN
aijbe-441	165	14	staff	staff	NOUN
aijbe-441	165	15	(	(	PUNCT
aijbe-441	165	16	bank	bank	NOUN
aijbe-441	165	17	managers	manager	NOUN
aijbe-441	165	18	,	,	PUNCT
aijbe-441	165	19	marketing	marketing	NOUN
aijbe-441	165	20	managers	manager	NOUN
aijbe-441	165	21	/	/	SYM
aijbe-441	165	22	officers	officer	NOUN
aijbe-441	165	23	,	,	PUNCT
aijbe-441	165	24	operation	operation	NOUN
aijbe-441	165	25	managers	manager	NOUN
aijbe-441	165	26	,	,	PUNCT
aijbe-441	165	27	and	and	CCONJ
aijbe-441	165	28	customer	customer	NOUN
aijbe-441	165	29	experience	experience	NOUN
aijbe-441	165	30	officers	officer	NOUN
aijbe-441	165	31	)	)	PUNCT
aijbe-441	165	32	in	in	ADP
aijbe-441	165	33	all	all	DET
aijbe-441	165	34	the	the	DET
aijbe-441	165	35	branches	branch	NOUN
aijbe-441	165	36	of	of	ADP
aijbe-441	165	37	the	the	DET
aijbe-441	165	38	selected	select	VERB
aijbe-441	165	39	deposit	deposit	NOUN
aijbe-441	165	40	money	money	NOUN
aijbe-441	165	41	banks	bank	NOUN
aijbe-441	165	42	(	(	PUNCT
aijbe-441	165	43	first	first	PROPN
aijbe-441	165	44	bank	bank	PROPN
aijbe-441	165	45	plc	plc	PROPN
aijbe-441	165	46	,	,	PUNCT
aijbe-441	165	47	zenith	zenith	PROPN
aijbe-441	165	48	bank	bank	PROPN
aijbe-441	165	49	plc	plc	PROPN
aijbe-441	165	50	,	,	PUNCT
aijbe-441	165	51	united	united	PROPN
aijbe-441	165	52	bank	bank	PROPN
aijbe-441	165	53	for	for	ADP
aijbe-441	165	54	africa	africa	PROPN
aijbe-441	165	55	plc	plc	PROPN
aijbe-441	165	56	,	,	PUNCT
aijbe-441	165	57	and	and	CCONJ
aijbe-441	165	58	guaranty	guaranty	PROPN
aijbe-441	165	59	trust	trust	PROPN
aijbe-441	165	60	bank	bank	PROPN
aijbe-441	165	61	plc	plc	PROPN
aijbe-441	165	62	)	)	PUNCT
aijbe-441	165	63	in	in	ADP
aijbe-441	165	64	uyo	uyo	PROPN
aijbe-441	165	65	metropolis	metropolis	PROPN
aijbe-441	165	66	,	,	PUNCT
aijbe-441	165	67	akwa	akwa	ADJ
aijbe-441	165	68	ibom	ibom	ADJ
aijbe-441	165	69	state	state	NOUN
aijbe-441	165	70	.	.	PUNCT
aijbe-441	166	1	the	the	DET
aijbe-441	166	2	total	total	ADJ
aijbe-441	166	3	population	population	NOUN
aijbe-441	166	4	was	be	AUX
aijbe-441	166	5	114	114	NUM
aijbe-441	166	6	as	as	ADP
aijbe-441	166	7	detailed	detailed	ADJ
aijbe-441	166	8	below	below	ADV
aijbe-441	166	9	:	:	PUNCT
aijbe-441	166	10	table	table	NOUN
aijbe-441	166	11	3.1	3.1	NUM
aijbe-441	166	12	population	population	NOUN
aijbe-441	166	13	of	of	ADP
aijbe-441	166	14	the	the	DET
aijbe-441	166	15	study	study	NOUN
aijbe-441	166	16	banks	bank	NOUN
aijbe-441	166	17	no	no	INTJ
aijbe-441	166	18	.	.	PUNCT
aijbe-441	167	1	of	of	ADP
aijbe-441	167	2	branches	branch	NOUN
aijbe-441	167	3	no	no	PRON
aijbe-441	167	4	of	of	ADP
aijbe-441	167	5	staff	staff	NOUN
aijbe-441	167	6	members	member	NOUN
aijbe-441	167	7	qualified	qualified	ADJ
aijbe-441	167	8	for	for	ADP
aijbe-441	167	9	the	the	DET
aijbe-441	167	10	study	study	PROPN
aijbe-441	167	11	first	first	PROPN
aijbe-441	167	12	bank	bank	PROPN
aijbe-441	167	13	plc	plc	PROPN
aijbe-441	167	14	5(aka	5(aka	PROPN
aijbe-441	167	15	rd	rd	PROPN
aijbe-441	167	16	.	.	PROPN
aijbe-441	167	17	,	,	PUNCT
aijbe-441	167	18	abak	abak	PROPN
aijbe-441	167	19	rd	rd	PROPN
aijbe-441	167	20	.	.	PROPN
aijbe-441	167	21	,	,	PUNCT
aijbe-441	167	22	udo	udo	PROPN
aijbe-441	167	23	udoma	udoma	PROPN
aijbe-441	167	24	ave	ave	PROPN
aijbe-441	167	25	.	.	PROPN
aijbe-441	167	26	,91oron	,91oron	PROPN
aijbe-441	167	27	rd	rd	PROPN
aijbe-441	167	28	;	;	PUNCT
aijbe-441	167	29	and	and	CCONJ
aijbe-441	167	30	252	252	NUM
aijbe-441	167	31	oron	oron	PROPN
aijbe-441	167	32	rd	rd	PROPN
aijbe-441	167	33	.	.	PUNCT
aijbe-441	167	34	)	)	PUNCT
aijbe-441	167	35	35	35	NUM
aijbe-441	167	36	zenith	zenith	PROPN
aijbe-441	167	37	bank	bank	PROPN
aijbe-441	167	38	plc	plc	PROPN
aijbe-441	167	39	4	4	NUM
aijbe-441	167	40	(	(	PUNCT
aijbe-441	167	41	aka	aka	ADV
aijbe-441	167	42	rd	rd	PROPN
aijbe-441	167	43	.	.	PROPN
aijbe-441	167	44	,	,	PUNCT
aijbe-441	167	45	abak	abak	PROPN
aijbe-441	167	46	rd	rd	PROPN
aijbe-441	167	47	.	.	PROPN
aijbe-441	167	48	,	,	PUNCT
aijbe-441	167	49	oron	oron	PROPN
aijbe-441	167	50	rd	rd	PROPN
aijbe-441	167	51	.	.	PROPN
aijbe-441	167	52	,	,	PUNCT
aijbe-441	167	53	and	and	CCONJ
aijbe-441	167	54	udo	udo	PROPN
aijbe-441	167	55	udoma	udoma	PROPN
aijbe-441	167	56	ave	ave	PROPN
aijbe-441	167	57	.	.	PUNCT
aijbe-441	167	58	)	)	PUNCT
aijbe-441	167	59	30	30	NUM
aijbe-441	167	60	united	united	PROPN
aijbe-441	167	61	bank	bank	PROPN
aijbe-441	167	62	for	for	ADP
aijbe-441	167	63	africa	africa	PROPN
aijbe-441	167	64	plc	plc	PROPN
aijbe-441	167	65	4(aka	4(aka	PROPN
aijbe-441	167	66	rd	rd	PROPN
aijbe-441	167	67	,	,	PUNCT
aijbe-441	167	68	abak	abak	PROPN
aijbe-441	167	69	rd	rd	PROPN
aijbe-441	167	70	,	,	PUNCT
aijbe-441	167	71	nwaniba	nwaniba	PROPN
aijbe-441	167	72	rd	rd	PROPN
aijbe-441	167	73	,	,	PUNCT
aijbe-441	167	74	and	and	CCONJ
aijbe-441	167	75	udoudoma	udoudoma	PROPN
aijbe-441	167	76	ave	ave	PROPN
aijbe-441	167	77	)	)	PUNCT
aijbe-441	167	78	32	32	NUM
aijbe-441	167	79	guaranty	guaranty	PROPN
aijbe-441	167	80	trust	trust	PROPN
aijbe-441	167	81	bank	bank	PROPN
aijbe-441	167	82	plc	plc	PROPN
aijbe-441	167	83	2	2	NUM
aijbe-441	167	84	(	(	PUNCT
aijbe-441	167	85	abak	abak	PROPN
aijbe-441	167	86	rd	rd	PROPN
aijbe-441	167	87	&	&	CCONJ
aijbe-441	167	88	udoudoma	udoudoma	PROPN
aijbe-441	167	89	ave	ave	PROPN
aijbe-441	167	90	)	)	PUNCT
aijbe-441	167	91	17	17	NUM
aijbe-441	167	92	total	total	ADJ
aijbe-441	167	93	15	15	NUM
aijbe-441	167	94	114	114	NUM
aijbe-441	167	95	source	source	NOUN
aijbe-441	167	96	:	:	PUNCT
aijbe-441	167	97	field	field	NOUN
aijbe-441	167	98	survey	survey	NOUN
aijbe-441	167	99	,	,	PUNCT
aijbe-441	167	100	2022	2022	NUM
aijbe-441	167	101	since	since	SCONJ
aijbe-441	167	102	the	the	DET
aijbe-441	167	103	population	population	NOUN
aijbe-441	167	104	was	be	AUX
aijbe-441	167	105	not	not	PART
aijbe-441	167	106	very	very	ADV
aijbe-441	167	107	large	large	ADJ
aijbe-441	167	108	(	(	PUNCT
aijbe-441	167	109	less	less	ADJ
aijbe-441	167	110	than	than	ADP
aijbe-441	167	111	200	200	NUM
aijbe-441	167	112	)	)	PUNCT
aijbe-441	167	113	the	the	DET
aijbe-441	167	114	population	population	NOUN
aijbe-441	167	115	was	be	AUX
aijbe-441	167	116	taken	take	VERB
aijbe-441	167	117	as	as	ADP
aijbe-441	167	118	sample	sample	NOUN
aijbe-441	167	119	,	,	PUNCT
aijbe-441	167	120	so	so	SCONJ
aijbe-441	167	121	as	as	SCONJ
aijbe-441	167	122	to	to	PART
aijbe-441	167	123	obtain	obtain	VERB
aijbe-441	167	124	a	a	DET
aijbe-441	167	125	meaningful	meaningful	ADJ
aijbe-441	167	126	result	result	NOUN
aijbe-441	167	127	(	(	PUNCT
aijbe-441	167	128	israel	israel	PROPN
aijbe-441	167	129	,	,	PUNCT
aijbe-441	167	130	2003	2003	NUM
aijbe-441	167	131	)	)	PUNCT
aijbe-441	167	132	.	.	PUNCT
aijbe-441	168	1	thus	thus	ADV
aijbe-441	168	2	,	,	PUNCT
aijbe-441	168	3	the	the	DET
aijbe-441	168	4	sample	sample	NOUN
aijbe-441	168	5	size	size	NOUN
aijbe-441	168	6	was	be	AUX
aijbe-441	168	7	114	114	NUM
aijbe-441	168	8	.	.	PUNCT
aijbe-441	169	1	automated	automate	VERB
aijbe-441	169	2	teller	teller	NOUN
aijbe-441	169	3	machine	machine	NOUN
aijbe-441	169	4	point	point	NOUN
aijbe-441	169	5	of	of	ADP
aijbe-441	169	6	sales	sale	NOUN
aijbe-441	169	7	internet	internet	NOUN
aijbe-441	169	8	banking	banking	NOUN
aijbe-441	169	9	mobile	mobile	ADJ
aijbe-441	169	10	banking	banking	NOUN
aijbe-441	169	11	marketing	marketing	NOUN
aijbe-441	169	12	performance	performance	NOUN
aijbe-441	169	13	(	(	PUNCT
aijbe-441	169	14	i	i	NOUN
aijbe-441	169	15	)	)	PUNCT
aijbe-441	169	16	customer	customer	NOUN
aijbe-441	169	17	acquisition	acquisition	NOUN
aijbe-441	169	18	electronic	electronic	ADJ
aijbe-441	169	19	banking	banking	PROPN
aijbe-441	169	20	dr	dr	PROPN
aijbe-441	169	21	.	.	PROPN
aijbe-441	170	1	aniebiet	aniebiet	PROPN
aijbe-441	170	2	etuk	etuk	PROPN
aijbe-441	170	3	,	,	PUNCT
aijbe-441	170	4	aniefiok	aniefiok	PROPN
aijbe-441	170	5	okon	okon	PROPN
aijbe-441	170	6	akpan	akpan	PROPN
aijbe-441	170	7	and	and	CCONJ
aijbe-441	170	8	aniekan	aniekan	PROPN
aijbe-441	170	9	eyo	eyo	PROPN
aijbe-441	170	10	awah	awah	PROPN
aijbe-441	170	11	(	(	PUNCT
aijbe-441	170	12	2023	2023	NUM
aijbe-441	170	13	)	)	PUNCT
aijbe-441	170	14	31	31	NUM
aijbe-441	170	15	american	american	ADJ
aijbe-441	170	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	170	17	journal	journal	NOUN
aijbe-441	170	18	of	of	ADP
aijbe-441	170	19	business	business	NOUN
aijbe-441	170	20	and	and	CCONJ
aijbe-441	170	21	economics	economic	NOUN
aijbe-441	170	22	|	|	ADV
aijbe-441	170	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	170	24	3.3	3.3	NUM
aijbe-441	170	25	sampling	sampling	NOUN
aijbe-441	170	26	technique	technique	NOUN
aijbe-441	170	27	the	the	DET
aijbe-441	170	28	census	census	NOUN
aijbe-441	170	29	technique	technique	NOUN
aijbe-441	170	30	was	be	AUX
aijbe-441	170	31	adopted	adopt	VERB
aijbe-441	170	32	to	to	PART
aijbe-441	170	33	reach	reach	VERB
aijbe-441	170	34	members	member	NOUN
aijbe-441	170	35	of	of	ADP
aijbe-441	170	36	the	the	DET
aijbe-441	170	37	population	population	NOUN
aijbe-441	170	38	to	to	PART
aijbe-441	170	39	obtain	obtain	VERB
aijbe-441	170	40	data	datum	NOUN
aijbe-441	170	41	.	.	PUNCT
aijbe-441	171	1	census	census	NOUN
aijbe-441	171	2	in	in	ADP
aijbe-441	171	3	a	a	DET
aijbe-441	171	4	quantitative	quantitative	ADJ
aijbe-441	171	5	research	research	NOUN
aijbe-441	171	6	technique	technique	NOUN
aijbe-441	171	7	that	that	PRON
aijbe-441	171	8	involves	involve	VERB
aijbe-441	171	9	collecting	collect	VERB
aijbe-441	171	10	information	information	NOUN
aijbe-441	171	11	on	on	ADP
aijbe-441	171	12	all	all	DET
aijbe-441	171	13	elements	element	NOUN
aijbe-441	171	14	of	of	ADP
aijbe-441	171	15	the	the	DET
aijbe-441	171	16	population	population	NOUN
aijbe-441	171	17	(	(	PUNCT
aijbe-441	171	18	cantwell	cantwell	PROPN
aijbe-441	171	19	,	,	PUNCT
aijbe-441	171	20	2011	2011	NUM
aijbe-441	171	21	)	)	PUNCT
aijbe-441	171	22	.	.	PUNCT
aijbe-441	172	1	3.4	3.4	NUM
aijbe-441	172	2	research	research	NOUN
aijbe-441	172	3	instrument	instrument	NOUN
aijbe-441	172	4	the	the	DET
aijbe-441	172	5	research	research	NOUN
aijbe-441	172	6	instrument	instrument	NOUN
aijbe-441	172	7	was	be	AUX
aijbe-441	172	8	a	a	DET
aijbe-441	172	9	structured	structured	ADJ
aijbe-441	172	10	questionnaire	questionnaire	NOUN
aijbe-441	172	11	.	.	PUNCT
aijbe-441	173	1	the	the	DET
aijbe-441	173	2	instrument	instrument	NOUN
aijbe-441	173	3	was	be	AUX
aijbe-441	173	4	divided	divide	VERB
aijbe-441	173	5	into	into	ADP
aijbe-441	173	6	two	two	NUM
aijbe-441	173	7	sections	section	NOUN
aijbe-441	173	8	:	:	PUNCT
aijbe-441	173	9	a	a	DET
aijbe-441	173	10	and	and	CCONJ
aijbe-441	173	11	b.	b.	PROPN
aijbe-441	173	12	section	section	PROPN
aijbe-441	173	13	a	a	DET
aijbe-441	173	14	contained	contain	VERB
aijbe-441	173	15	personal	personal	ADJ
aijbe-441	173	16	data	datum	NOUN
aijbe-441	173	17	of	of	ADP
aijbe-441	173	18	the	the	DET
aijbe-441	173	19	respondents	respondent	NOUN
aijbe-441	173	20	,	,	PUNCT
aijbe-441	173	21	while	while	SCONJ
aijbe-441	173	22	section	section	PROPN
aijbe-441	173	23	b	b	PROPN
aijbe-441	173	24	contained	contain	VERB
aijbe-441	173	25	likert	likert	ADJ
aijbe-441	173	26	scale	scale	NOUN
aijbe-441	173	27	items	item	NOUN
aijbe-441	173	28	used	use	VERB
aijbe-441	173	29	in	in	ADP
aijbe-441	173	30	testing	test	VERB
aijbe-441	173	31	the	the	DET
aijbe-441	173	32	hypotheses	hypothesis	NOUN
aijbe-441	173	33	.	.	PUNCT
aijbe-441	174	1	3.5	3.5	NUM
aijbe-441	174	2	validity	validity	NOUN
aijbe-441	174	3	and	and	CCONJ
aijbe-441	174	4	reliability	reliability	NOUN
aijbe-441	174	5	of	of	ADP
aijbe-441	174	6	the	the	DET
aijbe-441	174	7	instrument	instrument	NOUN
aijbe-441	174	8	to	to	PART
aijbe-441	174	9	ensure	ensure	VERB
aijbe-441	174	10	that	that	SCONJ
aijbe-441	174	11	the	the	DET
aijbe-441	174	12	instrument	instrument	NOUN
aijbe-441	174	13	measured	measure	VERB
aijbe-441	174	14	what	what	PRON
aijbe-441	174	15	it	it	PRON
aijbe-441	174	16	was	be	AUX
aijbe-441	174	17	supposed	suppose	VERB
aijbe-441	174	18	to	to	PART
aijbe-441	174	19	measure	measure	VERB
aijbe-441	174	20	(	(	PUNCT
aijbe-441	174	21	validity	validity	NOUN
aijbe-441	174	22	)	)	PUNCT
aijbe-441	174	23	,	,	PUNCT
aijbe-441	174	24	few	few	ADJ
aijbe-441	174	25	copies	copy	NOUN
aijbe-441	174	26	of	of	ADP
aijbe-441	174	27	the	the	DET
aijbe-441	174	28	questionnaire	questionnaire	NOUN
aijbe-441	174	29	were	be	AUX
aijbe-441	174	30	given	give	VERB
aijbe-441	174	31	to	to	ADP
aijbe-441	174	32	research	research	NOUN
aijbe-441	174	33	experts	expert	NOUN
aijbe-441	174	34	within	within	ADP
aijbe-441	174	35	the	the	DET
aijbe-441	174	36	university	university	NOUN
aijbe-441	174	37	community	community	NOUN
aijbe-441	174	38	to	to	PART
aijbe-441	174	39	critique	critique	VERB
aijbe-441	174	40	and	and	CCONJ
aijbe-441	174	41	make	make	VERB
aijbe-441	174	42	necessary	necessary	ADJ
aijbe-441	174	43	inputs	input	NOUN
aijbe-441	174	44	.	.	PUNCT
aijbe-441	175	1	the	the	DET
aijbe-441	175	2	inputs	input	NOUN
aijbe-441	175	3	were	be	AUX
aijbe-441	175	4	incorporated	incorporate	VERB
aijbe-441	175	5	into	into	ADP
aijbe-441	175	6	the	the	DET
aijbe-441	175	7	questionnaire	questionnaire	NOUN
aijbe-441	175	8	before	before	SCONJ
aijbe-441	175	9	the	the	DET
aijbe-441	175	10	final	final	ADJ
aijbe-441	175	11	copy	copy	NOUN
aijbe-441	175	12	was	be	AUX
aijbe-441	175	13	produced	produce	VERB
aijbe-441	175	14	and	and	CCONJ
aijbe-441	175	15	administered	administer	VERB
aijbe-441	175	16	.	.	PUNCT
aijbe-441	176	1	to	to	PART
aijbe-441	176	2	test	test	VERB
aijbe-441	176	3	for	for	ADP
aijbe-441	176	4	the	the	DET
aijbe-441	176	5	reliability	reliability	NOUN
aijbe-441	176	6	of	of	ADP
aijbe-441	176	7	the	the	DET
aijbe-441	176	8	instrument	instrument	NOUN
aijbe-441	176	9	,	,	PUNCT
aijbe-441	176	10	twenty	twenty	NUM
aijbe-441	176	11	copies	copy	NOUN
aijbe-441	176	12	of	of	ADP
aijbe-441	176	13	the	the	DET
aijbe-441	176	14	questionnaire	questionnaire	NOUN
aijbe-441	176	15	were	be	AUX
aijbe-441	176	16	distributed	distribute	VERB
aijbe-441	176	17	to	to	ADP
aijbe-441	176	18	twenty	twenty	NUM
aijbe-441	176	19	members	member	NOUN
aijbe-441	176	20	of	of	ADP
aijbe-441	176	21	the	the	DET
aijbe-441	176	22	population	population	NOUN
aijbe-441	176	23	.	.	PUNCT
aijbe-441	177	1	cronbach	cronbach	VERB
aijbe-441	177	2	alpha	alpha	PROPN
aijbe-441	177	3	test	test	NOUN
aijbe-441	177	4	was	be	AUX
aijbe-441	177	5	applied	apply	VERB
aijbe-441	177	6	on	on	ADP
aijbe-441	177	7	the	the	DET
aijbe-441	177	8	data	datum	NOUN
aijbe-441	177	9	obtained	obtain	VERB
aijbe-441	177	10	to	to	PART
aijbe-441	177	11	compute	compute	VERB
aijbe-441	177	12	the	the	DET
aijbe-441	177	13	reliability	reliability	NOUN
aijbe-441	177	14	coefficient	coefficient	NOUN
aijbe-441	177	15	.	.	PUNCT
aijbe-441	178	1	the	the	DET
aijbe-441	178	2	reliability	reliability	NOUN
aijbe-441	178	3	scores	score	NOUN
aijbe-441	178	4	for	for	ADP
aijbe-441	178	5	all	all	DET
aijbe-441	178	6	variables	variable	NOUN
aijbe-441	178	7	were	be	AUX
aijbe-441	178	8	above	above	ADP
aijbe-441	178	9	the	the	DET
aijbe-441	178	10	0.7	0.7	NUM
aijbe-441	178	11	threshold	threshold	NOUN
aijbe-441	178	12	of	of	ADP
aijbe-441	178	13	acceptable	acceptable	ADJ
aijbe-441	178	14	cronbach	cronbach	ADJ
aijbe-441	178	15	alpha	alpha	NOUN
aijbe-441	178	16	value	value	NOUN
aijbe-441	178	17	.	.	PUNCT
aijbe-441	179	1	3.6	3.6	NUM
aijbe-441	179	2	method	method	NOUN
aijbe-441	179	3	of	of	ADP
aijbe-441	179	4	data	datum	NOUN
aijbe-441	179	5	analysis	analysis	NOUN
aijbe-441	179	6	data	datum	NOUN
aijbe-441	179	7	were	be	AUX
aijbe-441	179	8	analyzed	analyze	VERB
aijbe-441	179	9	using	use	VERB
aijbe-441	179	10	descriptive	descriptive	ADJ
aijbe-441	179	11	and	and	CCONJ
aijbe-441	179	12	inferential	inferential	ADJ
aijbe-441	179	13	statistics	statistic	NOUN
aijbe-441	179	14	.	.	PUNCT
aijbe-441	180	1	thus	thus	ADV
aijbe-441	180	2	,	,	PUNCT
aijbe-441	180	3	frequency	frequency	NOUN
aijbe-441	180	4	count	count	NOUN
aijbe-441	180	5	and	and	CCONJ
aijbe-441	180	6	simple	simple	ADJ
aijbe-441	180	7	parentages	parentage	NOUN
aijbe-441	180	8	were	be	AUX
aijbe-441	180	9	used	use	VERB
aijbe-441	180	10	in	in	ADP
aijbe-441	180	11	analyzing	analyze	VERB
aijbe-441	180	12	personal	personal	ADJ
aijbe-441	180	13	data	datum	NOUN
aijbe-441	180	14	of	of	ADP
aijbe-441	180	15	the	the	DET
aijbe-441	180	16	respondents	respondent	NOUN
aijbe-441	180	17	,	,	PUNCT
aijbe-441	180	18	while	while	SCONJ
aijbe-441	180	19	regression	regression	NOUN
aijbe-441	180	20	analysis	analysis	NOUN
aijbe-441	180	21	was	be	AUX
aijbe-441	180	22	carried	carry	VERB
aijbe-441	180	23	out	out	ADP
aijbe-441	180	24	on	on	ADP
aijbe-441	180	25	the	the	DET
aijbe-441	180	26	four	four	NUM
aijbe-441	180	27	hypotheses	hypothesis	NOUN
aijbe-441	180	28	.	.	PUNCT
aijbe-441	181	1	section	section	NOUN
aijbe-441	181	2	4	4	NUM
aijbe-441	181	3	:	:	PUNCT
aijbe-441	181	4	data	datum	NOUN
aijbe-441	181	5	analysis	analysis	NOUN
aijbe-441	181	6	,	,	PUNCT
aijbe-441	181	7	results	result	NOUN
aijbe-441	181	8	and	and	CCONJ
aijbe-441	181	9	discussion	discussion	NOUN
aijbe-441	181	10	4.1	4.1	NUM
aijbe-441	181	11	data	datum	NOUN
aijbe-441	181	12	analysis	analysis	NOUN
aijbe-441	181	13	and	and	CCONJ
aijbe-441	181	14	results	result	VERB
aijbe-441	181	15	table	table	VERB
aijbe-441	181	16	4.1	4.1	NUM
aijbe-441	181	17	questionnaire	questionnaire	NOUN
aijbe-441	181	18	administration	administration	NOUN
aijbe-441	181	19	items	item	NOUN
aijbe-441	181	20	number	number	NOUN
aijbe-441	181	21	of	of	ADP
aijbe-441	181	22	copies	copy	NOUN
aijbe-441	181	23	of	of	ADP
aijbe-441	181	24	questionnaire	questionnaire	NOUN
aijbe-441	181	25	percentage	percentage	NOUN
aijbe-441	181	26	(	(	PUNCT
aijbe-441	181	27	%	%	INTJ
aijbe-441	181	28	)	)	PUNCT
aijbe-441	181	29	returned	return	VERB
aijbe-441	181	30	in	in	ADP
aijbe-441	181	31	useable	useable	ADJ
aijbe-441	181	32	form	form	NOUN
aijbe-441	181	33	104	104	NUM
aijbe-441	181	34	91.23	91.23	NUM
aijbe-441	181	35	not	not	PART
aijbe-441	181	36	returned/	returned/	NUM
aijbe-441	181	37	un	un	ADJ
aijbe-441	181	38	-	-	ADJ
aijbe-441	181	39	useable	useable	ADJ
aijbe-441	181	40	10	10	NUM
aijbe-441	181	41	8.77	8.77	NUM
aijbe-441	181	42	total	total	NOUN
aijbe-441	181	43	114	114	NUM
aijbe-441	181	44	100	100	NUM
aijbe-441	181	45	table	table	NOUN
aijbe-441	181	46	4.1	4.1	NUM
aijbe-441	181	47	above	above	ADV
aijbe-441	181	48	shows	show	VERB
aijbe-441	181	49	that	that	SCONJ
aijbe-441	181	50	out	out	ADP
aijbe-441	181	51	of	of	ADP
aijbe-441	181	52	the	the	DET
aijbe-441	181	53	114	114	NUM
aijbe-441	181	54	copies	copy	NOUN
aijbe-441	181	55	of	of	ADP
aijbe-441	181	56	questionnaire	questionnaire	NOUN
aijbe-441	181	57	that	that	PRON
aijbe-441	181	58	were	be	AUX
aijbe-441	181	59	administered	administer	VERB
aijbe-441	181	60	to	to	ADP
aijbe-441	181	61	the	the	DET
aijbe-441	181	62	respondents	respondent	NOUN
aijbe-441	181	63	,	,	PUNCT
aijbe-441	181	64	104	104	NUM
aijbe-441	181	65	,	,	PUNCT
aijbe-441	181	66	representing	represent	VERB
aijbe-441	181	67	91.23	91.23	NUM
aijbe-441	181	68	%	%	NOUN
aijbe-441	181	69	were	be	AUX
aijbe-441	181	70	returned	return	VERB
aijbe-441	181	71	in	in	ADP
aijbe-441	181	72	a	a	DET
aijbe-441	181	73	useable	useable	ADJ
aijbe-441	181	74	form	form	NOUN
aijbe-441	181	75	while	while	SCONJ
aijbe-441	181	76	the	the	DET
aijbe-441	181	77	remaining	remain	VERB
aijbe-441	181	78	10	10	NUM
aijbe-441	181	79	copies	copy	NOUN
aijbe-441	181	80	representing	represent	VERB
aijbe-441	181	81	8.77	8.77	NUM
aijbe-441	181	82	%	%	NOUN
aijbe-441	181	83	were	be	AUX
aijbe-441	181	84	either	either	CCONJ
aijbe-441	181	85	returned	return	VERB
aijbe-441	181	86	in	in	ADP
aijbe-441	181	87	unusable	unusable	ADJ
aijbe-441	181	88	form	form	NOUN
aijbe-441	181	89	or	or	CCONJ
aijbe-441	181	90	not	not	PART
aijbe-441	181	91	returned	return	VERB
aijbe-441	181	92	at	at	ADV
aijbe-441	181	93	all	all	ADV
aijbe-441	181	94	.	.	PUNCT
aijbe-441	182	1	table	table	NOUN
aijbe-441	182	2	4.2	4.2	NUM
aijbe-441	182	3	gender	gender	NOUN
aijbe-441	182	4	of	of	ADP
aijbe-441	182	5	respondents	respondent	NOUN
aijbe-441	182	6	frequency	frequency	NOUN
aijbe-441	182	7	percent	percent	NOUN
aijbe-441	182	8	(	(	PUNCT
aijbe-441	182	9	%	%	INTJ
aijbe-441	182	10	)	)	PUNCT
aijbe-441	182	11	valid	valid	ADJ
aijbe-441	182	12	male	male	NOUN
aijbe-441	182	13	46	46	NUM
aijbe-441	182	14	44.23	44.23	NUM
aijbe-441	182	15	female	female	NOUN
aijbe-441	182	16	58	58	NUM
aijbe-441	182	17	55.77	55.77	NUM
aijbe-441	182	18	total	total	NOUN
aijbe-441	182	19	104	104	NUM
aijbe-441	182	20	100.0	100.0	NUM
aijbe-441	182	21	table	table	NOUN
aijbe-441	182	22	4.2above	4.2above	NOUN
aijbe-441	182	23	shows	show	VERB
aijbe-441	182	24	that	that	SCONJ
aijbe-441	182	25	46(44.23	46(44.23	NOUN
aijbe-441	182	26	%	%	NOUN
aijbe-441	182	27	)	)	PUNCT
aijbe-441	182	28	out	out	ADP
aijbe-441	182	29	of	of	ADP
aijbe-441	182	30	the	the	DET
aijbe-441	182	31	104	104	NUM
aijbe-441	182	32	respondents	respondent	NOUN
aijbe-441	182	33	were	be	AUX
aijbe-441	182	34	male	male	ADJ
aijbe-441	182	35	while	while	SCONJ
aijbe-441	182	36	58(55.77	58(55.77	NUM
aijbe-441	182	37	%	%	NOUN
aijbe-441	182	38	)	)	PUNCT
aijbe-441	182	39	of	of	ADP
aijbe-441	182	40	the	the	DET
aijbe-441	182	41	respondents	respondent	NOUN
aijbe-441	182	42	were	be	AUX
aijbe-441	182	43	female	female	ADJ
aijbe-441	182	44	.	.	PUNCT
aijbe-441	183	1	which	which	PRON
aijbe-441	183	2	implies	imply	VERB
aijbe-441	183	3	that	that	SCONJ
aijbe-441	183	4	majority	majority	NOUN
aijbe-441	183	5	of	of	ADP
aijbe-441	183	6	the	the	DET
aijbe-441	183	7	respondents	respondent	NOUN
aijbe-441	183	8	were	be	AUX
aijbe-441	183	9	female	female	ADJ
aijbe-441	183	10	.	.	PUNCT
aijbe-441	184	1	dr	dr	PROPN
aijbe-441	184	2	.	.	PROPN
aijbe-441	184	3	aniebiet	aniebiet	PROPN
aijbe-441	184	4	etuk	etuk	PROPN
aijbe-441	184	5	,	,	PUNCT
aijbe-441	184	6	aniefiok	aniefiok	PROPN
aijbe-441	184	7	okon	okon	PROPN
aijbe-441	184	8	akpan	akpan	PROPN
aijbe-441	184	9	and	and	CCONJ
aijbe-441	184	10	aniekan	aniekan	PROPN
aijbe-441	184	11	eyo	eyo	PROPN
aijbe-441	184	12	awah	awah	PROPN
aijbe-441	184	13	(	(	PUNCT
aijbe-441	184	14	2023	2023	NUM
aijbe-441	184	15	)	)	PUNCT
aijbe-441	184	16	32	32	NUM
aijbe-441	184	17	american	american	ADJ
aijbe-441	184	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	184	19	journal	journal	NOUN
aijbe-441	184	20	of	of	ADP
aijbe-441	184	21	business	business	NOUN
aijbe-441	184	22	and	and	CCONJ
aijbe-441	184	23	economics	economic	NOUN
aijbe-441	184	24	|	|	ADV
aijbe-441	184	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	184	26	table	table	NOUN
aijbe-441	184	27	4.3	4.3	NUM
aijbe-441	184	28	age	age	NOUN
aijbe-441	184	29	of	of	ADP
aijbe-441	184	30	respondents	respondent	NOUN
aijbe-441	184	31	frequency	frequency	PROPN
aijbe-441	184	32	percent	percent	NOUN
aijbe-441	184	33	valid	valid	ADJ
aijbe-441	184	34	20	20	NUM
aijbe-441	184	35	-	-	SYM
aijbe-441	184	36	29	29	NUM
aijbe-441	184	37	years	year	NOUN
aijbe-441	184	38	6	6	NUM
aijbe-441	184	39	5.8	5.8	NUM
aijbe-441	184	40	30	30	NUM
aijbe-441	184	41	-	-	SYM
aijbe-441	184	42	39	39	NUM
aijbe-441	184	43	years	year	NOUN
aijbe-441	184	44	33	33	NUM
aijbe-441	184	45	31.7	31.7	NUM
aijbe-441	184	46	40	40	NUM
aijbe-441	184	47	-	-	SYM
aijbe-441	184	48	49	49	NUM
aijbe-441	184	49	years	year	NOUN
aijbe-441	184	50	58	58	NUM
aijbe-441	184	51	55.8	55.8	NUM
aijbe-441	184	52	50	50	NUM
aijbe-441	184	53	years	year	NOUN
aijbe-441	184	54	and	and	CCONJ
aijbe-441	184	55	above	above	ADP
aijbe-441	184	56	7	7	NUM
aijbe-441	184	57	6.7	6.7	NUM
aijbe-441	184	58	total	total	NOUN
aijbe-441	184	59	104	104	NUM
aijbe-441	184	60	100.0	100.0	NUM
aijbe-441	184	61	table	table	NOUN
aijbe-441	184	62	4.3	4.3	NUM
aijbe-441	184	63	above	above	ADV
aijbe-441	184	64	indicates	indicate	VERB
aijbe-441	184	65	that	that	SCONJ
aijbe-441	184	66	those	those	PRON
aijbe-441	184	67	between	between	ADP
aijbe-441	184	68	the	the	DET
aijbe-441	184	69	ages	age	NOUN
aijbe-441	184	70	of	of	ADP
aijbe-441	184	71	20	20	NUM
aijbe-441	184	72	-	-	SYM
aijbe-441	184	73	29	29	NUM
aijbe-441	184	74	years	year	NOUN
aijbe-441	184	75	made	make	VERB
aijbe-441	184	76	up	up	ADP
aijbe-441	184	77	5.8	5.8	NUM
aijbe-441	184	78	%	%	NOUN
aijbe-441	184	79	(	(	PUNCT
aijbe-441	184	80	6	6	NUM
aijbe-441	184	81	)	)	PUNCT
aijbe-441	184	82	of	of	ADP
aijbe-441	184	83	the	the	DET
aijbe-441	184	84	respondents	respondent	NOUN
aijbe-441	184	85	,	,	PUNCT
aijbe-441	184	86	33	33	NUM
aijbe-441	184	87	(	(	PUNCT
aijbe-441	184	88	31.70	31.70	NUM
aijbe-441	184	89	%	%	NOUN
aijbe-441	184	90	)	)	PUNCT
aijbe-441	184	91	were	be	AUX
aijbe-441	184	92	those	those	PRON
aijbe-441	184	93	within	within	ADP
aijbe-441	184	94	the	the	DET
aijbe-441	184	95	age	age	NOUN
aijbe-441	184	96	bracket	bracket	NOUN
aijbe-441	184	97	of	of	ADP
aijbe-441	184	98	30	30	NUM
aijbe-441	184	99	-	-	SYM
aijbe-441	184	100	39	39	NUM
aijbe-441	184	101	years	year	NOUN
aijbe-441	184	102	,	,	PUNCT
aijbe-441	184	103	58	58	NUM
aijbe-441	184	104	(	(	PUNCT
aijbe-441	184	105	55.8	55.8	NUM
aijbe-441	184	106	%	%	NOUN
aijbe-441	184	107	)	)	PUNCT
aijbe-441	184	108	were	be	AUX
aijbe-441	184	109	those	those	PRON
aijbe-441	184	110	within	within	ADP
aijbe-441	184	111	the	the	DET
aijbe-441	184	112	age	age	NOUN
aijbe-441	184	113	bracket	bracket	NOUN
aijbe-441	184	114	of	of	ADP
aijbe-441	184	115	4049	4049	NUM
aijbe-441	184	116	years	year	NOUN
aijbe-441	184	117	while	while	SCONJ
aijbe-441	184	118	the	the	DET
aijbe-441	184	119	respondents	respondent	NOUN
aijbe-441	184	120	who	who	PRON
aijbe-441	184	121	were	be	AUX
aijbe-441	184	122	50	50	NUM
aijbe-441	184	123	years	year	NOUN
aijbe-441	184	124	of	of	ADP
aijbe-441	184	125	age	age	NOUN
aijbe-441	184	126	and	and	CCONJ
aijbe-441	184	127	above	above	ADV
aijbe-441	184	128	were	be	AUX
aijbe-441	184	129	7	7	NUM
aijbe-441	184	130	(	(	PUNCT
aijbe-441	184	131	6.7	6.7	NUM
aijbe-441	184	132	%	%	NOUN
aijbe-441	184	133	)	)	PUNCT
aijbe-441	184	134	.	.	PUNCT
aijbe-441	185	1	table4.4	table4.4	X
aijbe-441	185	2	educational	educational	ADJ
aijbe-441	185	3	qualification	qualification	NOUN
aijbe-441	185	4	of	of	ADP
aijbe-441	185	5	respondents	respondent	NOUN
aijbe-441	185	6	frequency	frequency	PROPN
aijbe-441	185	7	percent	percent	NOUN
aijbe-441	185	8	valid	valid	ADJ
aijbe-441	185	9	hnd	hnd	ADJ
aijbe-441	185	10	/	/	SYM
aijbe-441	185	11	bsc	bsc	PROPN
aijbe-441	185	12	/	/	SYM
aijbe-441	185	13	pgd	pgd	PROPN
aijbe-441	185	14	61	61	NUM
aijbe-441	185	15	58.7	58.7	NUM
aijbe-441	185	16	masters	master	NOUN
aijbe-441	185	17	and	and	CCONJ
aijbe-441	185	18	above	above	ADP
aijbe-441	185	19	43	43	NUM
aijbe-441	185	20	41.3	41.3	NUM
aijbe-441	185	21	total	total	NOUN
aijbe-441	185	22	104	104	NUM
aijbe-441	185	23	100.0	100.0	NUM
aijbe-441	185	24	table	table	NOUN
aijbe-441	185	25	4.4	4.4	NUM
aijbe-441	185	26	above	above	ADV
aijbe-441	185	27	shows	show	VERB
aijbe-441	185	28	that	that	SCONJ
aijbe-441	185	29	respondents	respondent	NOUN
aijbe-441	185	30	who	who	PRON
aijbe-441	185	31	were	be	AUX
aijbe-441	185	32	holders	holder	NOUN
aijbe-441	185	33	of	of	ADP
aijbe-441	185	34	hnd	hnd	PROPN
aijbe-441	185	35	/	/	SYM
aijbe-441	185	36	bsc	bsc	PROPN
aijbe-441	185	37	/	/	SYM
aijbe-441	185	38	pgd	pgd	NOUN
aijbe-441	185	39	were	be	AUX
aijbe-441	185	40	58.7	58.7	NUM
aijbe-441	185	41	%	%	NOUN
aijbe-441	185	42	(	(	PUNCT
aijbe-441	185	43	61	61	NUM
aijbe-441	185	44	)	)	PUNCT
aijbe-441	185	45	while	while	SCONJ
aijbe-441	185	46	those	those	PRON
aijbe-441	185	47	with	with	ADP
aijbe-441	185	48	masters	master	NOUN
aijbe-441	185	49	degree	degree	NOUN
aijbe-441	185	50	and	and	CCONJ
aijbe-441	185	51	above	above	ADP
aijbe-441	185	52	were43	were43	NOUN
aijbe-441	185	53	(	(	PUNCT
aijbe-441	185	54	41.3	41.3	NUM
aijbe-441	185	55	%	%	NOUN
aijbe-441	185	56	)	)	PUNCT
aijbe-441	185	57	.	.	PUNCT
aijbe-441	186	1	table	table	NOUN
aijbe-441	186	2	4.5	4.5	NUM
aijbe-441	186	3	working	work	VERB
aijbe-441	186	4	experience	experience	NOUN
aijbe-441	186	5	in	in	ADP
aijbe-441	186	6	banking	banking	NOUN
aijbe-441	186	7	frequency	frequency	NOUN
aijbe-441	186	8	percent	percent	NOUN
aijbe-441	186	9	valid	valid	ADJ
aijbe-441	186	10	less	less	ADJ
aijbe-441	186	11	than	than	ADP
aijbe-441	186	12	10	10	NUM
aijbe-441	186	13	years	year	NOUN
aijbe-441	186	14	7	7	NUM
aijbe-441	186	15	6.7	6.7	NUM
aijbe-441	186	16	10	10	NUM
aijbe-441	186	17	-	-	SYM
aijbe-441	186	18	14	14	NUM
aijbe-441	186	19	years	year	NOUN
aijbe-441	186	20	9	9	NUM
aijbe-441	186	21	8.7	8.7	NUM
aijbe-441	186	22	15	15	NUM
aijbe-441	186	23	-	-	SYM
aijbe-441	186	24	19	19	NUM
aijbe-441	186	25	years	year	NOUN
aijbe-441	186	26	52	52	NUM
aijbe-441	186	27	50.0	50.0	NUM
aijbe-441	186	28	20	20	NUM
aijbe-441	186	29	years	year	NOUN
aijbe-441	186	30	and	and	CCONJ
aijbe-441	186	31	above	above	ADP
aijbe-441	186	32	36	36	NUM
aijbe-441	186	33	34.6	34.6	NUM
aijbe-441	186	34	total	total	NOUN
aijbe-441	186	35	104	104	NUM
aijbe-441	186	36	100.0	100.0	NUM
aijbe-441	186	37	table	table	NOUN
aijbe-441	186	38	4.5	4.5	NUM
aijbe-441	186	39	indicates	indicate	VERB
aijbe-441	186	40	the	the	DET
aijbe-441	186	41	respondents	respondent	NOUN
aijbe-441	186	42	'	'	PART
aijbe-441	186	43	level	level	NOUN
aijbe-441	186	44	of	of	ADP
aijbe-441	186	45	experience	experience	NOUN
aijbe-441	186	46	in	in	ADP
aijbe-441	186	47	the	the	DET
aijbe-441	186	48	banking	banking	NOUN
aijbe-441	186	49	industry	industry	NOUN
aijbe-441	186	50	.	.	PUNCT
aijbe-441	187	1	those	those	PRON
aijbe-441	187	2	with	with	ADP
aijbe-441	187	3	less	less	ADJ
aijbe-441	187	4	than	than	ADP
aijbe-441	187	5	10	10	NUM
aijbe-441	187	6	years	year	NOUN
aijbe-441	187	7	of	of	ADP
aijbe-441	187	8	experience	experience	NOUN
aijbe-441	187	9	were	be	AUX
aijbe-441	187	10	7	7	NUM
aijbe-441	187	11	(	(	PUNCT
aijbe-441	187	12	6.7	6.7	NUM
aijbe-441	187	13	%	%	NOUN
aijbe-441	187	14	)	)	PUNCT
aijbe-441	187	15	,	,	PUNCT
aijbe-441	187	16	9	9	NUM
aijbe-441	187	17	(	(	PUNCT
aijbe-441	187	18	8.7	8.7	NUM
aijbe-441	187	19	)	)	PUNCT
aijbe-441	187	20	of	of	ADP
aijbe-441	187	21	them	they	PRON
aijbe-441	187	22	were	be	AUX
aijbe-441	187	23	those	those	PRON
aijbe-441	187	24	who	who	PRON
aijbe-441	187	25	have	have	VERB
aijbe-441	187	26	between	between	ADP
aijbe-441	187	27	10	10	NUM
aijbe-441	187	28	-	-	SYM
aijbe-441	187	29	14	14	NUM
aijbe-441	187	30	years	year	NOUN
aijbe-441	187	31	of	of	ADP
aijbe-441	187	32	experience	experience	NOUN
aijbe-441	187	33	in	in	ADP
aijbe-441	187	34	the	the	DET
aijbe-441	187	35	banking	banking	NOUN
aijbe-441	187	36	sector	sector	NOUN
aijbe-441	187	37	.	.	PUNCT
aijbe-441	188	1	respondents	respondent	NOUN
aijbe-441	188	2	with	with	ADP
aijbe-441	188	3	15	15	NUM
aijbe-441	188	4	-	-	SYM
aijbe-441	188	5	19	19	NUM
aijbe-441	188	6	years	year	NOUN
aijbe-441	188	7	of	of	ADP
aijbe-441	188	8	experience	experience	NOUN
aijbe-441	188	9	in	in	ADP
aijbe-441	188	10	the	the	DET
aijbe-441	188	11	field	field	NOUN
aijbe-441	188	12	were	be	AUX
aijbe-441	188	13	52	52	NUM
aijbe-441	188	14	(	(	PUNCT
aijbe-441	188	15	50.0	50.0	NUM
aijbe-441	188	16	%	%	NOUN
aijbe-441	188	17	)	)	PUNCT
aijbe-441	188	18	while	while	SCONJ
aijbe-441	188	19	those	those	PRON
aijbe-441	188	20	with	with	ADP
aijbe-441	188	21	20	20	NUM
aijbe-441	188	22	years	year	NOUN
aijbe-441	188	23	of	of	ADP
aijbe-441	188	24	experience	experience	NOUN
aijbe-441	188	25	and	and	CCONJ
aijbe-441	188	26	above	above	ADV
aijbe-441	188	27	were	be	AUX
aijbe-441	188	28	36	36	NUM
aijbe-441	188	29	(	(	PUNCT
aijbe-441	188	30	34.6	34.6	NUM
aijbe-441	188	31	%	%	NOUN
aijbe-441	188	32	)	)	PUNCT
aijbe-441	188	33	.	.	PUNCT
aijbe-441	189	1	test	test	NOUN
aijbe-441	189	2	of	of	ADP
aijbe-441	189	3	hypothesis	hypothesis	NOUN
aijbe-441	189	4	one	one	NUM
aijbe-441	189	5	h01	h01	NOUN
aijbe-441	189	6	:	:	PUNCT
aijbe-441	189	7	automated	automate	VERB
aijbe-441	189	8	teller	teller	NOUN
aijbe-441	189	9	machine	machine	NOUN
aijbe-441	189	10	has	have	VERB
aijbe-441	189	11	no	no	DET
aijbe-441	189	12	significant	significant	ADJ
aijbe-441	189	13	influence	influence	NOUN
aijbe-441	189	14	on	on	ADP
aijbe-441	189	15	marketing	marketing	NOUN
aijbe-441	189	16	performance	performance	NOUN
aijbe-441	189	17	of	of	ADP
aijbe-441	189	18	deposit	deposit	NOUN
aijbe-441	189	19	money	money	NOUN
aijbe-441	189	20	banks	bank	NOUN
aijbe-441	189	21	in	in	ADP
aijbe-441	189	22	uyo	uyo	NOUN
aijbe-441	189	23	,	,	PUNCT
aijbe-441	189	24	akwa	akwa	ADJ
aijbe-441	189	25	ibom	ibom	ADJ
aijbe-441	189	26	state	state	NOUN
aijbe-441	189	27	.	.	PUNCT
aijbe-441	190	1	dr	dr	PROPN
aijbe-441	190	2	.	.	PROPN
aijbe-441	190	3	aniebiet	aniebiet	PROPN
aijbe-441	190	4	etuk	etuk	PROPN
aijbe-441	190	5	,	,	PUNCT
aijbe-441	190	6	aniefiok	aniefiok	PROPN
aijbe-441	190	7	okon	okon	PROPN
aijbe-441	190	8	akpan	akpan	PROPN
aijbe-441	190	9	and	and	CCONJ
aijbe-441	190	10	aniekan	aniekan	PROPN
aijbe-441	190	11	eyo	eyo	PROPN
aijbe-441	190	12	awah	awah	PROPN
aijbe-441	190	13	(	(	PUNCT
aijbe-441	190	14	2023	2023	NUM
aijbe-441	190	15	)	)	PUNCT
aijbe-441	190	16	33	33	NUM
aijbe-441	190	17	american	american	ADJ
aijbe-441	190	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	190	19	journal	journal	NOUN
aijbe-441	190	20	of	of	ADP
aijbe-441	190	21	business	business	NOUN
aijbe-441	190	22	and	and	CCONJ
aijbe-441	190	23	economics	economic	NOUN
aijbe-441	190	24	|	|	ADV
aijbe-441	190	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	190	26	table	table	NOUN
aijbe-441	190	27	4.6	4.6	NUM
aijbe-441	190	28	model	model	NOUN
aijbe-441	190	29	summary	summary	NOUN
aijbe-441	190	30	for	for	ADP
aijbe-441	190	31	hypothesis	hypothesis	NOUN
aijbe-441	190	32	one	one	NUM
aijbe-441	190	33	model	model	NOUN
aijbe-441	190	34	summary	summary	NOUN
aijbe-441	190	35	model	model	NOUN
aijbe-441	190	36	r	r	PROPN
aijbe-441	190	37	r	r	NOUN
aijbe-441	190	38	square	square	ADJ
aijbe-441	190	39	adjusted	adjust	VERB
aijbe-441	190	40	r	r	NOUN
aijbe-441	190	41	square	square	ADJ
aijbe-441	190	42	std	std	NOUN
aijbe-441	190	43	.	.	PUNCT
aijbe-441	190	44	error	error	NOUN
aijbe-441	190	45	of	of	ADP
aijbe-441	190	46	the	the	DET
aijbe-441	190	47	estimate	estimate	NOUN
aijbe-441	190	48	1	1	NUM
aijbe-441	190	49	.713a	.713a	PROPN
aijbe-441	190	50	.698	.698	NUM
aijbe-441	190	51	.689	.689	NUM
aijbe-441	190	52	2.38794	2.38794	NUM
aijbe-441	190	53	a.	a.	NOUN
aijbe-441	190	54	predictors	predictor	NOUN
aijbe-441	190	55	:	:	PUNCT
aijbe-441	190	56	(	(	PUNCT
aijbe-441	190	57	constant	constant	ADJ
aijbe-441	190	58	)	)	PUNCT
aijbe-441	190	59	,	,	PUNCT
aijbe-441	190	60	automated	automate	VERB
aijbe-441	190	61	teller	teller	NOUN
aijbe-441	190	62	machine	machine	NOUN
aijbe-441	190	63	anovaa	anovaa	PROPN
aijbe-441	190	64	model	model	PROPN
aijbe-441	190	65	sum	sum	PROPN
aijbe-441	190	66	of	of	ADP
aijbe-441	190	67	squares	square	NOUN
aijbe-441	190	68	df	df	PROPN
aijbe-441	190	69	mean	mean	PROPN
aijbe-441	190	70	square	square	PROPN
aijbe-441	190	71	f	f	PROPN
aijbe-441	190	72	sig	sig	PROPN
aijbe-441	190	73	.	.	PROPN
aijbe-441	190	74	1	1	NUM
aijbe-441	190	75	regression	regression	VERB
aijbe-441	190	76	213.080	213.080	NUM
aijbe-441	190	77	1	1	NUM
aijbe-441	190	78	213.080	213.080	NUM
aijbe-441	190	79	211.067	211.067	NUM
aijbe-441	190	80	.001b	.001b	ADP
aijbe-441	190	81	residual	residual	ADJ
aijbe-441	190	82	1963.911	1963.911	NUM
aijbe-441	190	83	102	102	NUM
aijbe-441	190	84	19.254	19.254	NUM
aijbe-441	190	85	total	total	NOUN
aijbe-441	190	86	2176.990	2176.990	NUM
aijbe-441	190	87	103	103	NUM
aijbe-441	190	88	a.	a.	NOUN
aijbe-441	190	89	dependent	dependent	ADJ
aijbe-441	190	90	variable	variable	NOUN
aijbe-441	190	91	:	:	PUNCT
aijbe-441	190	92	marketing	marketing	NOUN
aijbe-441	190	93	performance	performance	NOUN
aijbe-441	190	94	b.	b.	PROPN
aijbe-441	190	95	predictors	predictor	NOUN
aijbe-441	190	96	:	:	PUNCT
aijbe-441	190	97	(	(	PUNCT
aijbe-441	190	98	constant	constant	ADJ
aijbe-441	190	99	)	)	PUNCT
aijbe-441	190	100	,	,	PUNCT
aijbe-441	190	101	automated	automate	VERB
aijbe-441	190	102	teller	teller	NOUN
aijbe-441	190	103	machine	machine	NOUN
aijbe-441	190	104	coefficientsa	coefficientsa	NOUN
aijbe-441	190	105	model	model	VERB
aijbe-441	190	106	unstandardized	unstandardized	ADJ
aijbe-441	190	107	coefficients	coefficient	NOUN
aijbe-441	190	108	standardized	standardize	VERB
aijbe-441	190	109	coefficients	coefficient	NOUN
aijbe-441	190	110	t	t	PROPN
aijbe-441	190	111	sig	sig	PROPN
aijbe-441	190	112	.	.	PUNCT
aijbe-441	191	1	b	b	X
aijbe-441	191	2	std	std	PROPN
aijbe-441	191	3	.	.	NOUN
aijbe-441	191	4	error	error	NOUN
aijbe-441	191	5	beta	beta	NOUN
aijbe-441	191	6	1	1	NUM
aijbe-441	191	7	(	(	PUNCT
aijbe-441	191	8	constant	constant	ADJ
aijbe-441	191	9	)	)	PUNCT
aijbe-441	191	10	8.608	8.608	NUM
aijbe-441	191	11	1.320	1.320	NUM
aijbe-441	191	12	6.520	6.520	NUM
aijbe-441	191	13	.000	.000	NUM
aijbe-441	191	14	automated	automate	VERB
aijbe-441	191	15	teller	teller	NOUN
aijbe-441	191	16	machine	machine	NOUN
aijbe-441	191	17	.312	.312	NUM
aijbe-441	191	18	.094	.094	NUM
aijbe-441	191	19	.313	.313	NUM
aijbe-441	191	20	3.327	3.327	NUM
aijbe-441	191	21	.001	.001	NUM
aijbe-441	191	22	a.	a.	NOUN
aijbe-441	191	23	dependent	dependent	ADJ
aijbe-441	191	24	variable	variable	NOUN
aijbe-441	191	25	:	:	PUNCT
aijbe-441	192	1	marketing	marketing	NOUN
aijbe-441	192	2	performance	performance	NOUN
aijbe-441	192	3	the	the	DET
aijbe-441	192	4	table	table	NOUN
aijbe-441	192	5	above	above	ADP
aijbe-441	192	6	with	with	ADP
aijbe-441	192	7	r	r	NOUN
aijbe-441	192	8	value	value	NOUN
aijbe-441	192	9	of	of	ADP
aijbe-441	192	10	0.713	0.713	NUM
aijbe-441	192	11	indicates	indicate	VERB
aijbe-441	192	12	that	that	SCONJ
aijbe-441	192	13	there	there	PRON
aijbe-441	192	14	is	be	VERB
aijbe-441	192	15	astrong	astrong	NOUN
aijbe-441	192	16	relationship	relationship	NOUN
aijbe-441	192	17	between	between	ADP
aijbe-441	192	18	the	the	DET
aijbe-441	192	19	independent	independent	ADJ
aijbe-441	192	20	and	and	CCONJ
aijbe-441	192	21	the	the	DET
aijbe-441	192	22	dependent	dependent	ADJ
aijbe-441	192	23	variables	variable	NOUN
aijbe-441	192	24	.	.	PUNCT
aijbe-441	193	1	the	the	DET
aijbe-441	193	2	r	r	NOUN
aijbe-441	193	3	-	-	PUNCT
aijbe-441	193	4	square	square	ADJ
aijbe-441	193	5	value	value	NOUN
aijbe-441	193	6	of	of	ADP
aijbe-441	193	7	0.698	0.698	NUM
aijbe-441	193	8	implies	imply	VERB
aijbe-441	193	9	that	that	SCONJ
aijbe-441	193	10	about	about	ADV
aijbe-441	193	11	69.8	69.8	NUM
aijbe-441	193	12	%	%	NOUN
aijbe-441	193	13	of	of	ADP
aijbe-441	193	14	the	the	DET
aijbe-441	193	15	variation	variation	NOUN
aijbe-441	193	16	in	in	ADP
aijbe-441	193	17	marketing	marketing	NOUN
aijbe-441	193	18	performance	performance	NOUN
aijbe-441	193	19	was	be	AUX
aijbe-441	193	20	explained	explain	VERB
aijbe-441	193	21	by	by	ADP
aijbe-441	193	22	automated	automate	VERB
aijbe-441	193	23	teller	teller	NOUN
aijbe-441	193	24	machine.the	machine.the	DET
aijbe-441	193	25	constant	constant	ADJ
aijbe-441	193	26	value	value	NOUN
aijbe-441	193	27	of	of	ADP
aijbe-441	193	28	8.608	8.608	NUM
aijbe-441	193	29	indicates	indicate	VERB
aijbe-441	193	30	that	that	SCONJ
aijbe-441	193	31	keeping	keep	VERB
aijbe-441	193	32	independent	independent	ADJ
aijbe-441	193	33	variable	variable	NOUN
aijbe-441	193	34	(	(	PUNCT
aijbe-441	193	35	automated	automate	VERB
aijbe-441	193	36	teller	teller	NOUN
aijbe-441	193	37	machine	machine	NOUN
aijbe-441	193	38	)	)	PUNCT
aijbe-441	193	39	constant	constant	ADJ
aijbe-441	193	40	,	,	PUNCT
aijbe-441	193	41	marketing	marketing	NOUN
aijbe-441	193	42	performancewill	performancewill	NOUN
aijbe-441	193	43	remain	remain	VERB
aijbe-441	193	44	at8.608	at8.608	NOUN
aijbe-441	193	45	.	.	PUNCT
aijbe-441	194	1	the	the	DET
aijbe-441	194	2	coefficient	coefficient	NOUN
aijbe-441	194	3	of	of	ADP
aijbe-441	194	4	automated	automate	VERB
aijbe-441	194	5	teller	teller	NOUN
aijbe-441	194	6	machine	machine	NOUN
aijbe-441	194	7	was	be	AUX
aijbe-441	194	8	0.312	0.312	NUM
aijbe-441	194	9	which	which	PRON
aijbe-441	194	10	means	mean	VERB
aijbe-441	194	11	that	that	SCONJ
aijbe-441	194	12	a	a	DET
aijbe-441	194	13	unit	unit	NOUN
aijbe-441	194	14	change	change	NOUN
aijbe-441	194	15	in	in	ADP
aijbe-441	194	16	automated	automate	VERB
aijbe-441	194	17	teller	teller	NOUN
aijbe-441	194	18	machine	machine	NOUN
aijbe-441	194	19	will	will	AUX
aijbe-441	194	20	lead	lead	VERB
aijbe-441	194	21	to	to	ADP
aijbe-441	194	22	0.312	0.312	NUM
aijbe-441	194	23	unit	unit	NOUN
aijbe-441	194	24	change	change	NOUN
aijbe-441	194	25	in	in	ADP
aijbe-441	194	26	marketing	marketing	NOUN
aijbe-441	194	27	performance	performance	NOUN
aijbe-441	194	28	.	.	PUNCT
aijbe-441	195	1	the	the	DET
aijbe-441	195	2	p	p	NOUN
aijbe-441	195	3	-	-	PUNCT
aijbe-441	195	4	value	value	NOUN
aijbe-441	195	5	of	of	ADP
aijbe-441	195	6	0.000	0.000	NUM
aijbe-441	195	7	means	mean	VERB
aijbe-441	195	8	that	that	SCONJ
aijbe-441	195	9	the	the	DET
aijbe-441	195	10	effect	effect	NOUN
aijbe-441	195	11	of	of	ADP
aijbe-441	195	12	automated	automate	VERB
aijbe-441	195	13	teller	teller	NOUN
aijbe-441	195	14	machine	machine	NOUN
aijbe-441	195	15	on	on	ADP
aijbe-441	195	16	marketing	marketing	NOUN
aijbe-441	195	17	performance	performance	NOUN
aijbe-441	195	18	was	be	AUX
aijbe-441	195	19	statistically	statistically	ADV
aijbe-441	195	20	significant	significant	ADJ
aijbe-441	195	21	.	.	PUNCT
aijbe-441	196	1	test	test	NOUN
aijbe-441	196	2	of	of	ADP
aijbe-441	196	3	hypothesis	hypothesis	NOUN
aijbe-441	196	4	two	two	NUM
aijbe-441	196	5	h02	h02	NOUN
aijbe-441	196	6	:	:	PUNCT
aijbe-441	196	7	point	point	NOUN
aijbe-441	196	8	of	of	ADP
aijbe-441	196	9	sales	sale	NOUN
aijbe-441	196	10	has	have	VERB
aijbe-441	196	11	no	no	DET
aijbe-441	196	12	significant	significant	ADJ
aijbe-441	196	13	influence	influence	NOUN
aijbe-441	196	14	on	on	ADP
aijbe-441	196	15	marketing	marketing	NOUN
aijbe-441	196	16	performance	performance	NOUN
aijbe-441	196	17	of	of	ADP
aijbe-441	196	18	deposit	deposit	NOUN
aijbe-441	196	19	money	money	NOUN
aijbe-441	196	20	banks	bank	NOUN
aijbe-441	196	21	in	in	ADP
aijbe-441	196	22	uyo	uyo	NOUN
aijbe-441	196	23	,	,	PUNCT
aijbe-441	196	24	akwa	akwa	ADJ
aijbe-441	196	25	ibom	ibom	ADJ
aijbe-441	196	26	state	state	NOUN
aijbe-441	196	27	.	.	PUNCT
aijbe-441	197	1	table	table	NOUN
aijbe-441	197	2	4.7	4.7	NUM
aijbe-441	197	3	model	model	NOUN
aijbe-441	197	4	summary	summary	NOUN
aijbe-441	197	5	for	for	ADP
aijbe-441	197	6	hypothesis	hypothesis	NOUN
aijbe-441	197	7	two	two	NUM
aijbe-441	197	8	model	model	NOUN
aijbe-441	197	9	summary	summary	NOUN
aijbe-441	197	10	mode	mode	NOUN
aijbe-441	197	11	l	l	NOUN
aijbe-441	197	12	r	r	NOUN
aijbe-441	197	13	r	r	NOUN
aijbe-441	197	14	square	square	ADJ
aijbe-441	197	15	adjusted	adjust	VERB
aijbe-441	197	16	r	r	NOUN
aijbe-441	197	17	square	square	ADJ
aijbe-441	197	18	std	std	NOUN
aijbe-441	197	19	.	.	PUNCT
aijbe-441	198	1	error	error	NOUN
aijbe-441	198	2	of	of	ADP
aijbe-441	198	3	the	the	DET
aijbe-441	198	4	estimate	estimate	NOUN
aijbe-441	198	5	1	1	NUM
aijbe-441	198	6	.829a	.829a	NOUN
aijbe-441	198	7	.709	.709	NUM
aijbe-441	198	8	.700	.700	NUM
aijbe-441	198	9	2.36189	2.36189	NUM
aijbe-441	198	10	a.	a.	NOUN
aijbe-441	198	11	predictors	predictor	NOUN
aijbe-441	198	12	:	:	PUNCT
aijbe-441	198	13	(	(	PUNCT
aijbe-441	198	14	constant	constant	ADJ
aijbe-441	198	15	)	)	PUNCT
aijbe-441	198	16	,	,	PUNCT
aijbe-441	198	17	point	point	NOUN
aijbe-441	198	18	of	of	ADP
aijbe-441	198	19	sales	sale	NOUN
aijbe-441	198	20	dr	dr	PROPN
aijbe-441	198	21	.	.	PROPN
aijbe-441	198	22	aniebiet	aniebiet	PROPN
aijbe-441	198	23	etuk	etuk	PROPN
aijbe-441	198	24	,	,	PUNCT
aijbe-441	198	25	aniefiok	aniefiok	PROPN
aijbe-441	198	26	okon	okon	PROPN
aijbe-441	198	27	akpan	akpan	PROPN
aijbe-441	198	28	and	and	CCONJ
aijbe-441	198	29	aniekan	aniekan	PROPN
aijbe-441	198	30	eyo	eyo	PROPN
aijbe-441	198	31	awah	awah	PROPN
aijbe-441	198	32	(	(	PUNCT
aijbe-441	198	33	2023	2023	NUM
aijbe-441	198	34	)	)	PUNCT
aijbe-441	198	35	34	34	NUM
aijbe-441	198	36	american	american	ADJ
aijbe-441	198	37	interdisciplinary	interdisciplinary	PROPN
aijbe-441	198	38	journal	journal	NOUN
aijbe-441	198	39	of	of	ADP
aijbe-441	198	40	business	business	NOUN
aijbe-441	198	41	and	and	CCONJ
aijbe-441	198	42	economics	economic	NOUN
aijbe-441	198	43	|	|	ADV
aijbe-441	198	44	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	198	45	anovaa	anovaa	PROPN
aijbe-441	198	46	model	model	PROPN
aijbe-441	198	47	sum	sum	NOUN
aijbe-441	198	48	of	of	ADP
aijbe-441	198	49	squares	square	NOUN
aijbe-441	198	50	df	df	PROPN
aijbe-441	198	51	mean	mean	PROPN
aijbe-441	198	52	square	square	PROPN
aijbe-441	198	53	f	f	PROPN
aijbe-441	198	54	sig	sig	PROPN
aijbe-441	198	55	.	.	PROPN
aijbe-441	198	56	1	1	NUM
aijbe-441	198	57	regression	regression	VERB
aijbe-441	198	58	236.329	236.329	NUM
aijbe-441	198	59	1	1	NUM
aijbe-441	198	60	236.329	236.329	NUM
aijbe-441	198	61	312.421	312.421	NUM
aijbe-441	198	62	.001b	.001b	PROPN
aijbe-441	198	63	residual	residual	ADJ
aijbe-441	198	64	1940.661	1940.661	NUM
aijbe-441	198	65	102	102	NUM
aijbe-441	198	66	19.026	19.026	NUM
aijbe-441	198	67	total	total	NOUN
aijbe-441	198	68	2176.990	2176.990	NUM
aijbe-441	198	69	103	103	NUM
aijbe-441	198	70	a.	a.	NOUN
aijbe-441	198	71	dependent	dependent	ADJ
aijbe-441	198	72	variable	variable	NOUN
aijbe-441	198	73	:	:	PUNCT
aijbe-441	198	74	marketing	marketing	NOUN
aijbe-441	198	75	performance	performance	NOUN
aijbe-441	198	76	b.	b.	PROPN
aijbe-441	198	77	predictors	predictor	NOUN
aijbe-441	198	78	:	:	PUNCT
aijbe-441	198	79	(	(	PUNCT
aijbe-441	198	80	constant	constant	ADJ
aijbe-441	198	81	)	)	PUNCT
aijbe-441	198	82	,	,	PUNCT
aijbe-441	198	83	point	point	NOUN
aijbe-441	198	84	of	of	ADP
aijbe-441	198	85	sales	sale	NOUN
aijbe-441	198	86	coefficientsa	coefficientsa	NOUN
aijbe-441	198	87	model	model	VERB
aijbe-441	198	88	unstandardized	unstandardized	ADJ
aijbe-441	198	89	coefficients	coefficient	NOUN
aijbe-441	198	90	standardized	standardize	VERB
aijbe-441	198	91	coefficients	coefficient	NOUN
aijbe-441	198	92	t	t	PROPN
aijbe-441	198	93	sig	sig	PROPN
aijbe-441	198	94	.	.	PUNCT
aijbe-441	199	1	b	b	X
aijbe-441	199	2	std	std	PROPN
aijbe-441	199	3	.	.	NOUN
aijbe-441	199	4	error	error	NOUN
aijbe-441	199	5	beta	beta	NOUN
aijbe-441	199	6	1	1	NUM
aijbe-441	199	7	(	(	PUNCT
aijbe-441	199	8	constant	constant	ADJ
aijbe-441	199	9	)	)	PUNCT
aijbe-441	199	10	8.669	8.669	NUM
aijbe-441	199	11	1.237	1.237	NUM
aijbe-441	199	12	7.008	7.008	NUM
aijbe-441	199	13	.000	.000	NUM
aijbe-441	199	14	point	point	NOUN
aijbe-441	199	15	of	of	ADP
aijbe-441	199	16	sales	sale	NOUN
aijbe-441	199	17	.333	.333	NUM
aijbe-441	199	18	.094	.094	NUM
aijbe-441	199	19	.329	.329	NUM
aijbe-441	199	20	3.524	3.524	NUM
aijbe-441	199	21	.001	.001	NUM
aijbe-441	199	22	a.	a.	NOUN
aijbe-441	199	23	dependent	dependent	ADJ
aijbe-441	199	24	variable	variable	NOUN
aijbe-441	199	25	:	:	PUNCT
aijbe-441	200	1	marketing	marketing	NOUN
aijbe-441	200	2	performance	performance	NOUN
aijbe-441	200	3	the	the	DET
aijbe-441	200	4	table	table	NOUN
aijbe-441	200	5	(	(	PUNCT
aijbe-441	200	6	4.7	4.7	NUM
aijbe-441	200	7	)	)	PUNCT
aijbe-441	200	8	above	above	ADV
aijbe-441	200	9	with	with	ADP
aijbe-441	200	10	r	r	NOUN
aijbe-441	200	11	value	value	NOUN
aijbe-441	200	12	of	of	ADP
aijbe-441	200	13	0.829	0.829	NUM
aijbe-441	200	14	indicates	indicate	VERB
aijbe-441	200	15	that	that	SCONJ
aijbe-441	200	16	there	there	PRON
aijbe-441	200	17	is	be	VERB
aijbe-441	200	18	astrong	astrong	NOUN
aijbe-441	200	19	relationship	relationship	NOUN
aijbe-441	200	20	between	between	ADP
aijbe-441	200	21	the	the	DET
aijbe-441	200	22	dependent	dependent	ADJ
aijbe-441	200	23	and	and	CCONJ
aijbe-441	200	24	the	the	DET
aijbe-441	200	25	independent	independent	ADJ
aijbe-441	200	26	variables	variable	NOUN
aijbe-441	200	27	.	.	PUNCT
aijbe-441	201	1	the	the	DET
aijbe-441	201	2	r	r	NOUN
aijbe-441	201	3	-	-	PUNCT
aijbe-441	201	4	square	square	ADJ
aijbe-441	201	5	value	value	NOUN
aijbe-441	201	6	of	of	ADP
aijbe-441	201	7	0.709	0.709	NUM
aijbe-441	201	8	implies	imply	VERB
aijbe-441	201	9	that	that	SCONJ
aijbe-441	201	10	about	about	ADV
aijbe-441	201	11	70.9	70.9	NUM
aijbe-441	201	12	%	%	NOUN
aijbe-441	201	13	of	of	ADP
aijbe-441	201	14	the	the	DET
aijbe-441	201	15	variation	variation	NOUN
aijbe-441	201	16	in	in	ADP
aijbe-441	201	17	marketing	marketing	NOUN
aijbe-441	201	18	performance	performance	NOUN
aijbe-441	201	19	was	be	AUX
aijbe-441	201	20	explained	explain	VERB
aijbe-441	201	21	by	by	ADP
aijbe-441	201	22	point	point	NOUN
aijbe-441	201	23	of	of	ADP
aijbe-441	201	24	sales	sale	NOUN
aijbe-441	201	25	.	.	PUNCT
aijbe-441	202	1	the	the	DET
aijbe-441	202	2	constant	constant	ADJ
aijbe-441	202	3	value	value	NOUN
aijbe-441	202	4	of	of	ADP
aijbe-441	202	5	8.669	8.669	NUM
aijbe-441	202	6	indicates	indicate	VERB
aijbe-441	202	7	that	that	SCONJ
aijbe-441	202	8	keeping	keep	VERB
aijbe-441	202	9	independent	independent	ADJ
aijbe-441	202	10	variable	variable	NOUN
aijbe-441	202	11	(	(	PUNCT
aijbe-441	202	12	point	point	NOUN
aijbe-441	202	13	of	of	ADP
aijbe-441	202	14	sales	sale	NOUN
aijbe-441	202	15	)	)	PUNCT
aijbe-441	202	16	constant	constant	ADJ
aijbe-441	202	17	,	,	PUNCT
aijbe-441	202	18	marketing	marketing	NOUN
aijbe-441	202	19	performance	performance	NOUN
aijbe-441	202	20	will	will	AUX
aijbe-441	202	21	remain	remain	VERB
aijbe-441	202	22	at	at	ADP
aijbe-441	202	23	8.669	8.669	NUM
aijbe-441	202	24	.	.	PUNCT
aijbe-441	203	1	the	the	DET
aijbe-441	203	2	coefficient	coefficient	NOUN
aijbe-441	203	3	of	of	ADP
aijbe-441	203	4	point	point	NOUN
aijbe-441	203	5	of	of	ADP
aijbe-441	203	6	sales	sale	NOUN
aijbe-441	203	7	was	be	AUX
aijbe-441	203	8	0.333which	0.333which	NOUN
aijbe-441	203	9	means	mean	VERB
aijbe-441	203	10	that	that	SCONJ
aijbe-441	203	11	a	a	DET
aijbe-441	203	12	unit	unit	NOUN
aijbe-441	203	13	change	change	NOUN
aijbe-441	203	14	in	in	ADP
aijbe-441	203	15	point	point	NOUN
aijbe-441	203	16	of	of	ADP
aijbe-441	203	17	sales	sale	NOUN
aijbe-441	203	18	will	will	AUX
aijbe-441	203	19	lead	lead	VERB
aijbe-441	203	20	to	to	ADP
aijbe-441	203	21	0.333	0.333	NUM
aijbe-441	203	22	unit	unit	NOUN
aijbe-441	203	23	change	change	NOUN
aijbe-441	203	24	in	in	ADP
aijbe-441	203	25	marketing	marketing	NOUN
aijbe-441	203	26	performance	performance	NOUN
aijbe-441	203	27	.	.	PUNCT
aijbe-441	204	1	the	the	DET
aijbe-441	204	2	p	p	NOUN
aijbe-441	204	3	-	-	PUNCT
aijbe-441	204	4	value	value	NOUN
aijbe-441	204	5	of	of	ADP
aijbe-441	204	6	0.000	0.000	NUM
aijbe-441	204	7	means	mean	VERB
aijbe-441	204	8	that	that	SCONJ
aijbe-441	204	9	the	the	DET
aijbe-441	204	10	influence	influence	NOUN
aijbe-441	204	11	of	of	ADP
aijbe-441	204	12	point	point	NOUN
aijbe-441	204	13	of	of	ADP
aijbe-441	204	14	sales	sale	NOUN
aijbe-441	204	15	on	on	ADP
aijbe-441	204	16	marketing	marketing	NOUN
aijbe-441	204	17	performance	performance	NOUN
aijbe-441	204	18	was	be	AUX
aijbe-441	204	19	statistically	statistically	ADV
aijbe-441	204	20	significant	significant	ADJ
aijbe-441	204	21	.	.	PUNCT
aijbe-441	205	1	test	test	NOUN
aijbe-441	205	2	of	of	ADP
aijbe-441	205	3	hypothesis	hypothesis	NOUN
aijbe-441	205	4	three	three	NUM
aijbe-441	205	5	h03	h03	NOUN
aijbe-441	205	6	:	:	PUNCT
aijbe-441	205	7	internet	internet	NOUN
aijbe-441	205	8	banking	banking	NOUN
aijbe-441	205	9	has	have	VERB
aijbe-441	205	10	no	no	DET
aijbe-441	205	11	significant	significant	ADJ
aijbe-441	205	12	influence	influence	NOUN
aijbe-441	205	13	on	on	ADP
aijbe-441	205	14	marketing	marketing	NOUN
aijbe-441	205	15	performance	performance	NOUN
aijbe-441	205	16	of	of	ADP
aijbe-441	205	17	deposit	deposit	NOUN
aijbe-441	205	18	money	money	NOUN
aijbe-441	205	19	banks	bank	NOUN
aijbe-441	205	20	in	in	ADP
aijbe-441	205	21	uyo	uyo	NOUN
aijbe-441	205	22	,	,	PUNCT
aijbe-441	205	23	akwa	akwa	ADJ
aijbe-441	205	24	ibom	ibom	ADJ
aijbe-441	205	25	state	state	NOUN
aijbe-441	205	26	.	.	PUNCT
aijbe-441	206	1	table	table	NOUN
aijbe-441	206	2	4.8	4.8	NUM
aijbe-441	206	3	model	model	NOUN
aijbe-441	206	4	summary	summary	NOUN
aijbe-441	206	5	for	for	ADP
aijbe-441	206	6	hypothesis	hypothesis	NOUN
aijbe-441	206	7	three	three	NUM
aijbe-441	206	8	model	model	NOUN
aijbe-441	206	9	summary	summary	NOUN
aijbe-441	206	10	mode	mode	NOUN
aijbe-441	206	11	l	l	NOUN
aijbe-441	206	12	r	r	NOUN
aijbe-441	206	13	r	r	NOUN
aijbe-441	206	14	square	square	ADJ
aijbe-441	206	15	adjusted	adjust	VERB
aijbe-441	206	16	r	r	NOUN
aijbe-441	206	17	square	square	ADJ
aijbe-441	206	18	std	std	NOUN
aijbe-441	206	19	.	.	PUNCT
aijbe-441	207	1	error	error	NOUN
aijbe-441	207	2	of	of	ADP
aijbe-441	207	3	the	the	DET
aijbe-441	207	4	estimate	estimate	NOUN
aijbe-441	207	5	1	1	NUM
aijbe-441	207	6	.854a	.854a	PROPN
aijbe-441	207	7	.725	.725	NUM
aijbe-441	207	8	.717	.717	NUM
aijbe-441	207	9	2.32036	2.32036	NUM
aijbe-441	207	10	a.	a.	NOUN
aijbe-441	207	11	predictors	predictor	NOUN
aijbe-441	207	12	:	:	PUNCT
aijbe-441	207	13	(	(	PUNCT
aijbe-441	207	14	constant	constant	ADJ
aijbe-441	207	15	)	)	PUNCT
aijbe-441	207	16	,	,	PUNCT
aijbe-441	207	17	internet	internet	NOUN
aijbe-441	207	18	banking	banking	NOUN
aijbe-441	207	19	anovaa	anovaa	PROPN
aijbe-441	207	20	model	model	PROPN
aijbe-441	207	21	sum	sum	NOUN
aijbe-441	207	22	of	of	ADP
aijbe-441	207	23	squares	square	NOUN
aijbe-441	207	24	df	df	PROPN
aijbe-441	207	25	mean	mean	PROPN
aijbe-441	207	26	square	square	PROPN
aijbe-441	207	27	f	f	PROPN
aijbe-441	207	28	sig	sig	PROPN
aijbe-441	207	29	.	.	PROPN
aijbe-441	207	30	1	1	NUM
aijbe-441	207	31	regression	regression	VERB
aijbe-441	207	32	273.111	273.111	NUM
aijbe-441	207	33	1	1	NUM
aijbe-441	207	34	273.111	273.111	NUM
aijbe-441	207	35	214.632	214.632	NUM
aijbe-441	207	36	.000b	.000b	PROPN
aijbe-441	207	37	residual	residual	ADJ
aijbe-441	207	38	1903.880	1903.880	NUM
aijbe-441	207	39	102	102	NUM
aijbe-441	207	40	18.665	18.665	NUM
aijbe-441	207	41	total	total	ADJ
aijbe-441	207	42	2176.990	2176.990	NUM
aijbe-441	207	43	103	103	NUM
aijbe-441	207	44	dr	dr	PROPN
aijbe-441	207	45	.	.	PROPN
aijbe-441	208	1	aniebiet	aniebiet	PROPN
aijbe-441	208	2	etuk	etuk	PROPN
aijbe-441	208	3	,	,	PUNCT
aijbe-441	208	4	aniefiok	aniefiok	PROPN
aijbe-441	208	5	okon	okon	PROPN
aijbe-441	208	6	akpan	akpan	PROPN
aijbe-441	208	7	and	and	CCONJ
aijbe-441	208	8	aniekan	aniekan	PROPN
aijbe-441	208	9	eyo	eyo	PROPN
aijbe-441	208	10	awah	awah	PROPN
aijbe-441	208	11	(	(	PUNCT
aijbe-441	208	12	2023	2023	NUM
aijbe-441	208	13	)	)	PUNCT
aijbe-441	208	14	35	35	NUM
aijbe-441	208	15	american	american	ADJ
aijbe-441	208	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	208	17	journal	journal	NOUN
aijbe-441	208	18	of	of	ADP
aijbe-441	208	19	business	business	NOUN
aijbe-441	208	20	and	and	CCONJ
aijbe-441	208	21	economics	economic	NOUN
aijbe-441	208	22	|	|	ADV
aijbe-441	208	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	208	24	a.	a.	NOUN
aijbe-441	208	25	dependent	dependent	ADJ
aijbe-441	208	26	variable	variable	NOUN
aijbe-441	208	27	:	:	PUNCT
aijbe-441	208	28	marketing	marketing	NOUN
aijbe-441	208	29	performance	performance	NOUN
aijbe-441	208	30	b.	b.	PROPN
aijbe-441	208	31	predictors	predictor	NOUN
aijbe-441	208	32	:	:	PUNCT
aijbe-441	208	33	(	(	PUNCT
aijbe-441	208	34	constant	constant	ADJ
aijbe-441	208	35	)	)	PUNCT
aijbe-441	208	36	,	,	PUNCT
aijbe-441	208	37	internet	internet	NOUN
aijbe-441	208	38	banking	banking	NOUN
aijbe-441	208	39	coefficientsa	coefficientsa	NOUN
aijbe-441	208	40	model	model	VERB
aijbe-441	208	41	unstandardized	unstandardized	ADJ
aijbe-441	208	42	coefficients	coefficient	NOUN
aijbe-441	208	43	standardized	standardize	VERB
aijbe-441	208	44	coefficients	coefficient	NOUN
aijbe-441	208	45	t	t	PROPN
aijbe-441	208	46	sig	sig	PROPN
aijbe-441	208	47	.	.	PUNCT
aijbe-441	209	1	b	b	X
aijbe-441	209	2	std	std	PROPN
aijbe-441	209	3	.	.	NOUN
aijbe-441	209	4	error	error	NOUN
aijbe-441	209	5	beta	beta	NOUN
aijbe-441	209	6	1	1	NUM
aijbe-441	209	7	(	(	PUNCT
aijbe-441	209	8	constant	constant	ADJ
aijbe-441	209	9	)	)	PUNCT
aijbe-441	209	10	8.992	8.992	NUM
aijbe-441	209	11	1.072	1.072	NUM
aijbe-441	209	12	8.387	8.387	NUM
aijbe-441	209	13	.000	.000	NUM
aijbe-441	209	14	internet	internet	NOUN
aijbe-441	209	15	banking	banking	NOUN
aijbe-441	209	16	.327	.327	NUM
aijbe-441	209	17	.085	.085	NUM
aijbe-441	209	18	.354	.354	NUM
aijbe-441	209	19	3.825	3.825	NUM
aijbe-441	209	20	.000	.000	NUM
aijbe-441	209	21	a.	a.	NOUN
aijbe-441	209	22	dependent	dependent	ADJ
aijbe-441	209	23	variable	variable	NOUN
aijbe-441	209	24	:	:	PUNCT
aijbe-441	209	25	marketing	marketing	NOUN
aijbe-441	209	26	performance	performance	NOUN
aijbe-441	209	27	table	table	NOUN
aijbe-441	209	28	4.8	4.8	NUM
aijbe-441	209	29	above	above	ADP
aijbe-441	209	30	with	with	ADP
aijbe-441	209	31	r	r	NOUN
aijbe-441	209	32	value	value	NOUN
aijbe-441	209	33	of	of	ADP
aijbe-441	209	34	0.854	0.854	NUM
aijbe-441	209	35	indicates	indicate	VERB
aijbe-441	209	36	that	that	SCONJ
aijbe-441	209	37	there	there	PRON
aijbe-441	209	38	is	be	VERB
aijbe-441	209	39	a	a	DET
aijbe-441	209	40	significant	significant	ADJ
aijbe-441	209	41	relationship	relationship	NOUN
aijbe-441	209	42	between	between	ADP
aijbe-441	209	43	the	the	DET
aijbe-441	209	44	dependent	dependent	ADJ
aijbe-441	209	45	and	and	CCONJ
aijbe-441	209	46	the	the	DET
aijbe-441	209	47	independent	independent	ADJ
aijbe-441	209	48	variables	variable	NOUN
aijbe-441	209	49	.	.	PUNCT
aijbe-441	210	1	the	the	DET
aijbe-441	210	2	r	r	NOUN
aijbe-441	210	3	-	-	PUNCT
aijbe-441	210	4	square	square	ADJ
aijbe-441	210	5	value	value	NOUN
aijbe-441	210	6	of	of	ADP
aijbe-441	210	7	0.725	0.725	NUM
aijbe-441	210	8	implies	imply	VERB
aijbe-441	210	9	that	that	SCONJ
aijbe-441	210	10	about	about	ADV
aijbe-441	210	11	72.5	72.5	NUM
aijbe-441	210	12	%	%	NOUN
aijbe-441	210	13	of	of	ADP
aijbe-441	210	14	the	the	DET
aijbe-441	210	15	variation	variation	NOUN
aijbe-441	210	16	in	in	ADP
aijbe-441	210	17	marketing	marketing	NOUN
aijbe-441	210	18	performance	performance	NOUN
aijbe-441	210	19	was	be	AUX
aijbe-441	210	20	explained	explain	VERB
aijbe-441	210	21	by	by	ADP
aijbe-441	210	22	internet	internet	NOUN
aijbe-441	210	23	banking	banking	NOUN
aijbe-441	210	24	.	.	PUNCT
aijbe-441	211	1	the	the	DET
aijbe-441	211	2	constant	constant	ADJ
aijbe-441	211	3	value	value	NOUN
aijbe-441	211	4	of	of	ADP
aijbe-441	211	5	8.992	8.992	NUM
aijbe-441	211	6	indicates	indicate	VERB
aijbe-441	211	7	that	that	SCONJ
aijbe-441	211	8	keeping	keep	VERB
aijbe-441	211	9	the	the	DET
aijbe-441	211	10	independent	independent	ADJ
aijbe-441	211	11	variable	variable	NOUN
aijbe-441	211	12	(	(	PUNCT
aijbe-441	211	13	internet	internet	NOUN
aijbe-441	211	14	banking	banking	NOUN
aijbe-441	211	15	)	)	PUNCT
aijbe-441	211	16	constant	constant	ADJ
aijbe-441	211	17	,	,	PUNCT
aijbe-441	211	18	marketing	marketing	NOUN
aijbe-441	211	19	performance	performance	NOUN
aijbe-441	211	20	will	will	AUX
aijbe-441	211	21	remain	remain	VERB
aijbe-441	211	22	at	at	ADP
aijbe-441	211	23	8.992	8.992	NUM
aijbe-441	211	24	.	.	PUNCT
aijbe-441	212	1	the	the	DET
aijbe-441	212	2	coefficient	coefficient	NOUN
aijbe-441	212	3	of	of	ADP
aijbe-441	212	4	internet	internet	NOUN
aijbe-441	212	5	banking	banking	NOUN
aijbe-441	212	6	was	be	AUX
aijbe-441	212	7	0.327which	0.327which	NUM
aijbe-441	212	8	means	mean	VERB
aijbe-441	212	9	that	that	SCONJ
aijbe-441	212	10	a	a	DET
aijbe-441	212	11	unit	unit	NOUN
aijbe-441	212	12	change	change	NOUN
aijbe-441	212	13	in	in	ADP
aijbe-441	212	14	internet	internet	NOUN
aijbe-441	212	15	banking	banking	NOUN
aijbe-441	212	16	will	will	AUX
aijbe-441	212	17	lead	lead	VERB
aijbe-441	212	18	to	to	ADP
aijbe-441	212	19	0.327	0.327	NUM
aijbe-441	212	20	unit	unit	NOUN
aijbe-441	212	21	change	change	NOUN
aijbe-441	212	22	in	in	ADP
aijbe-441	212	23	marketing	marketing	NOUN
aijbe-441	212	24	performance	performance	NOUN
aijbe-441	212	25	.	.	PUNCT
aijbe-441	213	1	the	the	DET
aijbe-441	213	2	p	p	NOUN
aijbe-441	213	3	-	-	PUNCT
aijbe-441	213	4	value	value	NOUN
aijbe-441	213	5	of	of	ADP
aijbe-441	213	6	0.000	0.000	NUM
aijbe-441	213	7	means	mean	VERB
aijbe-441	213	8	that	that	SCONJ
aijbe-441	213	9	the	the	DET
aijbe-441	213	10	influence	influence	NOUN
aijbe-441	213	11	of	of	ADP
aijbe-441	213	12	internet	internet	NOUN
aijbe-441	213	13	banking	banking	NOUN
aijbe-441	213	14	on	on	ADP
aijbe-441	213	15	marketing	marketing	NOUN
aijbe-441	213	16	performance	performance	NOUN
aijbe-441	213	17	was	be	AUX
aijbe-441	213	18	statistically	statistically	ADV
aijbe-441	213	19	significant	significant	ADJ
aijbe-441	213	20	.	.	PUNCT
aijbe-441	214	1	test	test	NOUN
aijbe-441	214	2	of	of	ADP
aijbe-441	214	3	hypothesis	hypothesis	NOUN
aijbe-441	214	4	four	four	NUM
aijbe-441	214	5	h04	h04	NOUN
aijbe-441	214	6	:	:	PUNCT
aijbe-441	214	7	mobile	mobile	ADJ
aijbe-441	214	8	banking	banking	NOUN
aijbe-441	214	9	has	have	VERB
aijbe-441	214	10	no	no	DET
aijbe-441	214	11	significant	significant	ADJ
aijbe-441	214	12	influence	influence	NOUN
aijbe-441	214	13	on	on	ADP
aijbe-441	214	14	marketing	marketing	NOUN
aijbe-441	214	15	performance	performance	NOUN
aijbe-441	214	16	of	of	ADP
aijbe-441	214	17	deposit	deposit	NOUN
aijbe-441	214	18	money	money	NOUN
aijbe-441	214	19	banks	bank	NOUN
aijbe-441	214	20	in	in	ADP
aijbe-441	214	21	uyo	uyo	NOUN
aijbe-441	214	22	,	,	PUNCT
aijbe-441	214	23	akwa	akwa	ADJ
aijbe-441	214	24	ibom	ibom	ADJ
aijbe-441	214	25	state	state	NOUN
aijbe-441	214	26	.	.	PUNCT
aijbe-441	215	1	table	table	NOUN
aijbe-441	215	2	4.9	4.9	NUM
aijbe-441	215	3	model	model	NOUN
aijbe-441	215	4	summary	summary	NOUN
aijbe-441	215	5	for	for	ADP
aijbe-441	215	6	hypothesis	hypothesis	NOUN
aijbe-441	215	7	four	four	NUM
aijbe-441	215	8	model	model	NOUN
aijbe-441	215	9	summary	summary	NOUN
aijbe-441	215	10	mode	mode	NOUN
aijbe-441	215	11	l	l	NOUN
aijbe-441	215	12	r	r	NOUN
aijbe-441	215	13	r	r	NOUN
aijbe-441	215	14	square	square	ADJ
aijbe-441	215	15	adjusted	adjust	VERB
aijbe-441	215	16	r	r	NOUN
aijbe-441	215	17	square	square	ADJ
aijbe-441	215	18	std	std	NOUN
aijbe-441	215	19	.	.	PUNCT
aijbe-441	216	1	error	error	NOUN
aijbe-441	216	2	of	of	ADP
aijbe-441	216	3	the	the	DET
aijbe-441	216	4	estimate	estimate	NOUN
aijbe-441	216	5	1	1	NUM
aijbe-441	216	6	.864a	.864a	NOUN
aijbe-441	216	7	.733	.733	NUM
aijbe-441	216	8	.724	.724	NUM
aijbe-441	216	9	1.90252	1.90252	NUM
aijbe-441	216	10	a.	a.	NOUN
aijbe-441	216	11	predictors	predictor	NOUN
aijbe-441	216	12	:	:	PUNCT
aijbe-441	216	13	(	(	PUNCT
aijbe-441	216	14	constant	constant	ADJ
aijbe-441	216	15	)	)	PUNCT
aijbe-441	216	16	,	,	PUNCT
aijbe-441	216	17	mobile	mobile	ADJ
aijbe-441	216	18	banking	banking	NOUN
aijbe-441	216	19	anovaa	anovaa	PROPN
aijbe-441	216	20	model	model	PROPN
aijbe-441	216	21	sum	sum	NOUN
aijbe-441	216	22	of	of	ADP
aijbe-441	216	23	squares	square	NOUN
aijbe-441	216	24	df	df	PROPN
aijbe-441	216	25	mean	mean	PROPN
aijbe-441	216	26	square	square	PROPN
aijbe-441	216	27	f	f	PROPN
aijbe-441	216	28	sig	sig	PROPN
aijbe-441	216	29	.	.	PROPN
aijbe-441	216	30	1	1	NUM
aijbe-441	216	31	regression	regression	VERB
aijbe-441	216	32	288.800	288.800	NUM
aijbe-441	216	33	1	1	NUM
aijbe-441	216	34	288.800	288.800	NUM
aijbe-441	216	35	228.601	228.601	NUM
aijbe-441	216	36	.000b	.000b	PROPN
aijbe-441	216	37	residual	residual	ADJ
aijbe-441	216	38	1888.190	1888.190	NUM
aijbe-441	216	39	102	102	NUM
aijbe-441	216	40	18.512	18.512	NUM
aijbe-441	216	41	total	total	NOUN
aijbe-441	216	42	2176.990	2176.990	NUM
aijbe-441	216	43	103	103	NUM
aijbe-441	216	44	a.	a.	NOUN
aijbe-441	216	45	dependent	dependent	ADJ
aijbe-441	216	46	variable	variable	NOUN
aijbe-441	216	47	:	:	PUNCT
aijbe-441	216	48	marketing	marketing	NOUN
aijbe-441	216	49	performance	performance	NOUN
aijbe-441	216	50	b.	b.	PROPN
aijbe-441	216	51	predictors	predictor	NOUN
aijbe-441	216	52	:	:	PUNCT
aijbe-441	216	53	(	(	PUNCT
aijbe-441	216	54	constant	constant	ADJ
aijbe-441	216	55	)	)	PUNCT
aijbe-441	216	56	,	,	PUNCT
aijbe-441	217	1	mobile	mobile	ADJ
aijbe-441	217	2	banking	banking	PROPN
aijbe-441	217	3	dr	dr	PROPN
aijbe-441	217	4	.	.	PROPN
aijbe-441	217	5	aniebiet	aniebiet	PROPN
aijbe-441	217	6	etuk	etuk	PROPN
aijbe-441	217	7	,	,	PUNCT
aijbe-441	217	8	aniefiok	aniefiok	PROPN
aijbe-441	217	9	okon	okon	PROPN
aijbe-441	217	10	akpan	akpan	PROPN
aijbe-441	217	11	and	and	CCONJ
aijbe-441	217	12	aniekan	aniekan	PROPN
aijbe-441	217	13	eyo	eyo	PROPN
aijbe-441	217	14	awah	awah	PROPN
aijbe-441	217	15	(	(	PUNCT
aijbe-441	217	16	2023	2023	NUM
aijbe-441	217	17	)	)	PUNCT
aijbe-441	217	18	36	36	NUM
aijbe-441	217	19	american	american	ADJ
aijbe-441	217	20	interdisciplinary	interdisciplinary	ADJ
aijbe-441	217	21	journal	journal	NOUN
aijbe-441	217	22	of	of	ADP
aijbe-441	217	23	business	business	NOUN
aijbe-441	217	24	and	and	CCONJ
aijbe-441	217	25	economics	economic	NOUN
aijbe-441	217	26	|	|	ADV
aijbe-441	217	27	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	217	28	coefficientsa	coefficientsa	NOUN
aijbe-441	217	29	model	model	VERB
aijbe-441	217	30	unstandardized	unstandardized	ADJ
aijbe-441	217	31	coefficients	coefficient	NOUN
aijbe-441	217	32	standardized	standardize	VERB
aijbe-441	217	33	coefficients	coefficient	NOUN
aijbe-441	217	34	t	t	PROPN
aijbe-441	217	35	sig	sig	PROPN
aijbe-441	217	36	.	.	PUNCT
aijbe-441	218	1	b	b	X
aijbe-441	218	2	std	std	PROPN
aijbe-441	218	3	.	.	NOUN
aijbe-441	218	4	error	error	NOUN
aijbe-441	218	5	beta	beta	NOUN
aijbe-441	218	6	1	1	NUM
aijbe-441	218	7	(	(	PUNCT
aijbe-441	218	8	constant	constant	ADJ
aijbe-441	218	9	)	)	PUNCT
aijbe-441	218	10	8.368	8.368	NUM
aijbe-441	218	11	1.189	1.189	NUM
aijbe-441	218	12	7.036	7.036	NUM
aijbe-441	218	13	.000	.000	NUM
aijbe-441	218	14	mobile	mobile	ADJ
aijbe-441	218	15	banking	banking	NOUN
aijbe-441	218	16	.377	.377	NUM
aijbe-441	218	17	.095	.095	NUM
aijbe-441	218	18	.364	.364	NUM
aijbe-441	218	19	3.950	3.950	NUM
aijbe-441	218	20	.000	.000	NUM
aijbe-441	218	21	a.	a.	NOUN
aijbe-441	218	22	dependent	dependent	ADJ
aijbe-441	218	23	variable	variable	NOUN
aijbe-441	218	24	:	:	PUNCT
aijbe-441	218	25	marketing	marketing	NOUN
aijbe-441	218	26	performance	performance	NOUN
aijbe-441	218	27	table	table	NOUN
aijbe-441	218	28	4.9	4.9	NUM
aijbe-441	218	29	with	with	ADP
aijbe-441	218	30	r	r	NOUN
aijbe-441	218	31	value	value	NOUN
aijbe-441	218	32	of	of	ADP
aijbe-441	218	33	0.864	0.864	NUM
aijbe-441	218	34	indicates	indicate	VERB
aijbe-441	218	35	that	that	SCONJ
aijbe-441	218	36	there	there	PRON
aijbe-441	218	37	is	be	VERB
aijbe-441	218	38	a	a	DET
aijbe-441	218	39	strong	strong	ADJ
aijbe-441	218	40	relationship	relationship	NOUN
aijbe-441	218	41	between	between	ADP
aijbe-441	218	42	the	the	DET
aijbe-441	218	43	dependent	dependent	ADJ
aijbe-441	218	44	and	and	CCONJ
aijbe-441	218	45	the	the	DET
aijbe-441	218	46	independent	independent	ADJ
aijbe-441	218	47	variables	variable	NOUN
aijbe-441	218	48	.	.	PUNCT
aijbe-441	219	1	the	the	DET
aijbe-441	219	2	r	r	NOUN
aijbe-441	219	3	-	-	PUNCT
aijbe-441	219	4	square	square	ADJ
aijbe-441	219	5	value	value	NOUN
aijbe-441	219	6	of	of	ADP
aijbe-441	219	7	0.733	0.733	NUM
aijbe-441	219	8	implies	imply	VERB
aijbe-441	219	9	that	that	SCONJ
aijbe-441	219	10	about	about	ADV
aijbe-441	219	11	73.3	73.3	NUM
aijbe-441	219	12	%	%	NOUN
aijbe-441	219	13	of	of	ADP
aijbe-441	219	14	the	the	DET
aijbe-441	219	15	variation	variation	NOUN
aijbe-441	219	16	in	in	ADP
aijbe-441	219	17	marketing	marketing	NOUN
aijbe-441	219	18	performance	performance	NOUN
aijbe-441	219	19	was	be	AUX
aijbe-441	219	20	explained	explain	VERB
aijbe-441	219	21	by	by	ADP
aijbe-441	219	22	mobile	mobile	ADJ
aijbe-441	219	23	banking	banking	NOUN
aijbe-441	219	24	.	.	PUNCT
aijbe-441	220	1	the	the	DET
aijbe-441	220	2	constant	constant	ADJ
aijbe-441	220	3	value	value	NOUN
aijbe-441	220	4	of	of	ADP
aijbe-441	220	5	8.368	8.368	NUM
aijbe-441	220	6	indicates	indicate	VERB
aijbe-441	220	7	that	that	SCONJ
aijbe-441	220	8	keeping	keep	VERB
aijbe-441	220	9	independent	independent	ADJ
aijbe-441	220	10	variable	variable	NOUN
aijbe-441	220	11	(	(	PUNCT
aijbe-441	220	12	mobile	mobile	ADJ
aijbe-441	220	13	banking	banking	NOUN
aijbe-441	220	14	)	)	PUNCT
aijbe-441	220	15	constant	constant	ADJ
aijbe-441	220	16	,	,	PUNCT
aijbe-441	220	17	marketing	marketing	NOUN
aijbe-441	220	18	performance	performance	NOUN
aijbe-441	220	19	will	will	AUX
aijbe-441	220	20	remain	remain	VERB
aijbe-441	220	21	at	at	ADP
aijbe-441	220	22	8.368	8.368	NUM
aijbe-441	220	23	.	.	PUNCT
aijbe-441	221	1	the	the	DET
aijbe-441	221	2	coefficient	coefficient	NOUN
aijbe-441	221	3	of	of	ADP
aijbe-441	221	4	mobile	mobile	ADJ
aijbe-441	221	5	banking	banking	NOUN
aijbe-441	221	6	was	be	AUX
aijbe-441	221	7	0.377which	0.377which	NUM
aijbe-441	221	8	means	mean	VERB
aijbe-441	221	9	that	that	SCONJ
aijbe-441	221	10	a	a	DET
aijbe-441	221	11	unit	unit	NOUN
aijbe-441	221	12	change	change	NOUN
aijbe-441	221	13	in	in	ADP
aijbe-441	221	14	mobile	mobile	ADJ
aijbe-441	221	15	banking	banking	NOUN
aijbe-441	221	16	will	will	AUX
aijbe-441	221	17	lead	lead	VERB
aijbe-441	221	18	to	to	ADP
aijbe-441	221	19	0.377	0.377	NUM
aijbe-441	221	20	unit	unit	NOUN
aijbe-441	221	21	change	change	NOUN
aijbe-441	221	22	in	in	ADP
aijbe-441	221	23	marketing	marketing	NOUN
aijbe-441	221	24	performance	performance	NOUN
aijbe-441	221	25	.	.	PUNCT
aijbe-441	222	1	the	the	DET
aijbe-441	222	2	p	p	NOUN
aijbe-441	222	3	-	-	PUNCT
aijbe-441	222	4	value	value	NOUN
aijbe-441	222	5	of	of	ADP
aijbe-441	222	6	0.000	0.000	NUM
aijbe-441	222	7	means	mean	VERB
aijbe-441	222	8	that	that	SCONJ
aijbe-441	222	9	the	the	DET
aijbe-441	222	10	influence	influence	NOUN
aijbe-441	222	11	of	of	ADP
aijbe-441	222	12	mobile	mobile	ADJ
aijbe-441	222	13	banking	banking	NOUN
aijbe-441	222	14	on	on	ADP
aijbe-441	222	15	marketing	marketing	NOUN
aijbe-441	222	16	performance	performance	NOUN
aijbe-441	222	17	was	be	AUX
aijbe-441	222	18	statistically	statistically	ADV
aijbe-441	222	19	significant	significant	ADJ
aijbe-441	222	20	.	.	PUNCT
aijbe-441	223	1	4.2	4.2	NUM
aijbe-441	223	2	discussion	discussion	NOUN
aijbe-441	223	3	of	of	ADP
aijbe-441	223	4	findings	finding	NOUN
aijbe-441	223	5	the	the	DET
aijbe-441	223	6	study	study	NOUN
aijbe-441	223	7	revealed	reveal	VERB
aijbe-441	223	8	that	that	SCONJ
aijbe-441	223	9	electronic	electronic	ADJ
aijbe-441	223	10	banking	banking	NOUN
aijbe-441	223	11	has	have	VERB
aijbe-441	223	12	a	a	DET
aijbe-441	223	13	significant	significant	ADJ
aijbe-441	223	14	influence	influence	NOUN
aijbe-441	223	15	on	on	ADP
aijbe-441	223	16	marketing	marketing	NOUN
aijbe-441	223	17	performance	performance	NOUN
aijbe-441	223	18	of	of	ADP
aijbe-441	223	19	deposit	deposit	NOUN
aijbe-441	223	20	money	money	NOUN
aijbe-441	223	21	banks	bank	NOUN
aijbe-441	223	22	in	in	ADP
aijbe-441	223	23	uyo	uyo	NOUN
aijbe-441	223	24	,	,	PUNCT
aijbe-441	223	25	akwa	akwa	ADJ
aijbe-441	223	26	ibom	ibom	ADJ
aijbe-441	223	27	state	state	NOUN
aijbe-441	223	28	.	.	PUNCT
aijbe-441	224	1	the	the	DET
aijbe-441	224	2	regression	regression	NOUN
aijbe-441	224	3	result	result	NOUN
aijbe-441	224	4	indicated	indicate	VERB
aijbe-441	224	5	that	that	SCONJ
aijbe-441	224	6	the	the	DET
aijbe-441	224	7	use	use	NOUN
aijbe-441	224	8	of	of	ADP
aijbe-441	224	9	automated	automate	VERB
aijbe-441	224	10	teller	teller	NOUN
aijbe-441	224	11	machine	machine	NOUN
aijbe-441	224	12	can	can	AUX
aijbe-441	224	13	enhance	enhance	VERB
aijbe-441	224	14	customer	customer	NOUN
aijbe-441	224	15	acquisition	acquisition	NOUN
aijbe-441	224	16	amongst	amongst	ADP
aijbe-441	224	17	nigerian	nigerian	ADJ
aijbe-441	224	18	deposit	deposit	NOUN
aijbe-441	224	19	money	money	NOUN
aijbe-441	224	20	banks	bank	NOUN
aijbe-441	224	21	.	.	PUNCT
aijbe-441	225	1	the	the	DET
aijbe-441	225	2	result	result	NOUN
aijbe-441	225	3	also	also	ADV
aijbe-441	225	4	showed	show	VERB
aijbe-441	225	5	that	that	SCONJ
aijbe-441	225	6	point	point	NOUN
aijbe-441	225	7	of	of	ADP
aijbe-441	225	8	sales	sale	NOUN
aijbe-441	225	9	is	be	AUX
aijbe-441	225	10	significant	significant	ADJ
aijbe-441	225	11	in	in	ADP
aijbe-441	225	12	helping	help	VERB
aijbe-441	225	13	banks	bank	NOUN
aijbe-441	225	14	to	to	PART
aijbe-441	225	15	acquire	acquire	VERB
aijbe-441	225	16	new	new	ADJ
aijbe-441	225	17	customers	customer	NOUN
aijbe-441	225	18	.	.	PUNCT
aijbe-441	226	1	again	again	ADV
aijbe-441	226	2	,	,	PUNCT
aijbe-441	226	3	the	the	DET
aijbe-441	226	4	result	result	NOUN
aijbe-441	226	5	revealed	reveal	VERB
aijbe-441	226	6	that	that	SCONJ
aijbe-441	226	7	internet	internet	NOUN
aijbe-441	226	8	banking	banking	NOUN
aijbe-441	226	9	can	can	AUX
aijbe-441	226	10	make	make	VERB
aijbe-441	226	11	the	the	DET
aijbe-441	226	12	task	task	NOUN
aijbe-441	226	13	of	of	ADP
aijbe-441	226	14	getting	get	VERB
aijbe-441	226	15	new	new	ADJ
aijbe-441	226	16	customers	customer	NOUN
aijbe-441	226	17	easy	easy	ADJ
aijbe-441	226	18	for	for	ADP
aijbe-441	226	19	banks	bank	NOUN
aijbe-441	226	20	.	.	PUNCT
aijbe-441	227	1	furthermore	furthermore	ADV
aijbe-441	227	2	,	,	PUNCT
aijbe-441	227	3	the	the	DET
aijbe-441	227	4	result	result	NOUN
aijbe-441	227	5	established	establish	VERB
aijbe-441	227	6	that	that	SCONJ
aijbe-441	227	7	mobile	mobile	ADJ
aijbe-441	227	8	banking	banking	NOUN
aijbe-441	227	9	can	can	AUX
aijbe-441	227	10	enhance	enhance	VERB
aijbe-441	227	11	marketing	marketing	NOUN
aijbe-441	227	12	success	success	NOUN
aijbe-441	227	13	of	of	ADP
aijbe-441	227	14	deposit	deposit	NOUN
aijbe-441	227	15	money	money	NOUN
aijbe-441	227	16	banks	bank	NOUN
aijbe-441	227	17	in	in	ADP
aijbe-441	227	18	uyo	uyo	NOUN
aijbe-441	227	19	,	,	PUNCT
aijbe-441	227	20	akwa	akwa	ADJ
aijbe-441	227	21	ibom	ibom	ADJ
aijbe-441	227	22	state	state	NOUN
aijbe-441	227	23	.	.	PUNCT
aijbe-441	228	1	these	these	DET
aijbe-441	228	2	results	result	NOUN
aijbe-441	228	3	are	be	AUX
aijbe-441	228	4	in	in	ADP
aijbe-441	228	5	agreement	agreement	NOUN
aijbe-441	228	6	with	with	ADP
aijbe-441	228	7	deekor	deekor	ADJ
aijbe-441	228	8	(	(	PUNCT
aijbe-441	228	9	2021	2021	NUM
aijbe-441	228	10	)	)	PUNCT
aijbe-441	228	11	who	who	PRON
aijbe-441	228	12	investigated	investigate	VERB
aijbe-441	228	13	the	the	DET
aijbe-441	228	14	impact	impact	NOUN
aijbe-441	228	15	of	of	ADP
aijbe-441	228	16	electronic	electronic	ADJ
aijbe-441	228	17	banking	banking	NOUN
aijbe-441	228	18	on	on	ADP
aijbe-441	228	19	deposit	deposit	NOUN
aijbe-441	228	20	money	money	NOUN
aijbe-441	228	21	banks	bank	NOUN
aijbe-441	228	22	’	'	PUNCT
aijbe-441	228	23	performance	performance	NOUN
aijbe-441	228	24	in	in	ADP
aijbe-441	228	25	nigeria	nigeria	PROPN
aijbe-441	228	26	and	and	CCONJ
aijbe-441	228	27	found	find	VERB
aijbe-441	228	28	that	that	SCONJ
aijbe-441	228	29	automated	automate	VERB
aijbe-441	228	30	teller	teller	NOUN
aijbe-441	228	31	machine	machine	NOUN
aijbe-441	228	32	,	,	PUNCT
aijbe-441	228	33	point	point	NOUN
aijbe-441	228	34	of	of	ADP
aijbe-441	228	35	sales	sale	NOUN
aijbe-441	228	36	,	,	PUNCT
aijbe-441	228	37	mobile	mobile	ADJ
aijbe-441	228	38	baking	baking	NOUN
aijbe-441	228	39	and	and	CCONJ
aijbe-441	228	40	web	web	NOUN
aijbe-441	228	41	pay	pay	NOUN
aijbe-441	228	42	have	have	VERB
aijbe-441	228	43	a	a	DET
aijbe-441	228	44	positive	positive	ADJ
aijbe-441	228	45	and	and	CCONJ
aijbe-441	228	46	significant	significant	ADJ
aijbe-441	228	47	impact	impact	NOUN
aijbe-441	228	48	on	on	ADP
aijbe-441	228	49	bank	bank	NOUN
aijbe-441	228	50	performance	performance	NOUN
aijbe-441	228	51	.	.	PUNCT
aijbe-441	229	1	the	the	DET
aijbe-441	229	2	results	result	NOUN
aijbe-441	229	3	are	be	AUX
aijbe-441	229	4	also	also	ADV
aijbe-441	229	5	in	in	ADP
aijbe-441	229	6	consonant	consonant	NOUN
aijbe-441	229	7	with	with	ADP
aijbe-441	229	8	the	the	DET
aijbe-441	229	9	findings	finding	NOUN
aijbe-441	229	10	of	of	ADP
aijbe-441	229	11	other	other	ADJ
aijbe-441	229	12	similar	similar	ADJ
aijbe-441	229	13	studies	study	NOUN
aijbe-441	229	14	such	such	ADJ
aijbe-441	229	15	as	as	ADP
aijbe-441	229	16	demaki	demaki	NOUN
aijbe-441	229	17	,	,	PUNCT
aijbe-441	229	18	eromatun	eromatun	PROPN
aijbe-441	229	19	&	&	CCONJ
aijbe-441	229	20	festus	festus	PROPN
aijbe-441	229	21	(	(	PUNCT
aijbe-441	229	22	2021	2021	NUM
aijbe-441	229	23	)	)	PUNCT
aijbe-441	229	24	;	;	PUNCT
aijbe-441	229	25	kabir	kabir	PROPN
aijbe-441	229	26	,	,	PUNCT
aijbe-441	229	27	kurfi	kurfi	PROPN
aijbe-441	229	28	&	&	CCONJ
aijbe-441	229	29	isa	isa	PROPN
aijbe-441	229	30	(	(	PUNCT
aijbe-441	229	31	2021	2021	NUM
aijbe-441	229	32	)	)	PUNCT
aijbe-441	229	33	;	;	PUNCT
aijbe-441	229	34	aduaka	aduaka	PROPN
aijbe-441	229	35	&	&	CCONJ
aijbe-441	229	36	awolusi	awolusi	PROPN
aijbe-441	229	37	(	(	PUNCT
aijbe-441	229	38	2020	2020	NUM
aijbe-441	229	39	)	)	PUNCT
aijbe-441	229	40	,	,	PUNCT
aijbe-441	229	41	and	and	CCONJ
aijbe-441	229	42	jimoh	jimoh	ADJ
aijbe-441	229	43	(	(	PUNCT
aijbe-441	229	44	2019	2019	NUM
aijbe-441	229	45	)	)	PUNCT
aijbe-441	229	46	among	among	ADP
aijbe-441	229	47	others	other	NOUN
aijbe-441	229	48	.	.	PUNCT
aijbe-441	230	1	the	the	DET
aijbe-441	230	2	implication	implication	NOUN
aijbe-441	230	3	of	of	ADP
aijbe-441	230	4	the	the	DET
aijbe-441	230	5	result	result	NOUN
aijbe-441	230	6	is	be	AUX
aijbe-441	230	7	that	that	SCONJ
aijbe-441	230	8	for	for	ADP
aijbe-441	230	9	deposit	deposit	NOUN
aijbe-441	230	10	money	money	NOUN
aijbe-441	230	11	banks	bank	NOUN
aijbe-441	230	12	to	to	PART
aijbe-441	230	13	be	be	AUX
aijbe-441	230	14	able	able	ADJ
aijbe-441	230	15	to	to	PART
aijbe-441	230	16	acquire	acquire	VERB
aijbe-441	230	17	new	new	ADJ
aijbe-441	230	18	customers	customer	NOUN
aijbe-441	230	19	in	in	ADP
aijbe-441	230	20	today	today	NOUN
aijbe-441	230	21	’s	’s	PART
aijbe-441	230	22	competitive	competitive	ADJ
aijbe-441	230	23	business	business	NOUN
aijbe-441	230	24	environment	environment	NOUN
aijbe-441	230	25	,	,	PUNCT
aijbe-441	230	26	they	they	PRON
aijbe-441	230	27	need	need	VERB
aijbe-441	230	28	to	to	PART
aijbe-441	230	29	continue	continue	VERB
aijbe-441	230	30	to	to	PART
aijbe-441	230	31	adopt	adopt	VERB
aijbe-441	230	32	electronic	electronic	ADJ
aijbe-441	230	33	banking	banking	NOUN
aijbe-441	230	34	innovations	innovation	NOUN
aijbe-441	230	35	as	as	SCONJ
aijbe-441	230	36	such	such	ADJ
aijbe-441	230	37	innovations	innovation	NOUN
aijbe-441	230	38	will	will	AUX
aijbe-441	230	39	help	help	VERB
aijbe-441	230	40	them	they	PRON
aijbe-441	230	41	to	to	PART
aijbe-441	230	42	enjoy	enjoy	VERB
aijbe-441	230	43	competitive	competitive	ADJ
aijbe-441	230	44	advantage	advantage	NOUN
aijbe-441	230	45	.	.	PUNCT
aijbe-441	231	1	5.1	5.1	NUM
aijbe-441	231	2	summary	summary	NOUN
aijbe-441	231	3	the	the	DET
aijbe-441	231	4	objective	objective	NOUN
aijbe-441	231	5	of	of	ADP
aijbe-441	231	6	the	the	DET
aijbe-441	231	7	study	study	NOUN
aijbe-441	231	8	was	be	AUX
aijbe-441	231	9	to	to	PART
aijbe-441	231	10	investigate	investigate	VERB
aijbe-441	231	11	the	the	DET
aijbe-441	231	12	influence	influence	NOUN
aijbe-441	231	13	of	of	ADP
aijbe-441	231	14	electronic	electronic	ADJ
aijbe-441	231	15	banking	banking	NOUN
aijbe-441	231	16	on	on	ADP
aijbe-441	231	17	marketing	marketing	NOUN
aijbe-441	231	18	performance	performance	NOUN
aijbe-441	231	19	of	of	ADP
aijbe-441	231	20	deposit	deposit	NOUN
aijbe-441	231	21	money	money	NOUN
aijbe-441	231	22	banks	bank	NOUN
aijbe-441	231	23	in	in	ADP
aijbe-441	231	24	uyo	uyo	NOUN
aijbe-441	231	25	,	,	PUNCT
aijbe-441	231	26	akwa	akwa	ADJ
aijbe-441	231	27	ibom	ibom	ADJ
aijbe-441	231	28	state	state	NOUN
aijbe-441	231	29	.	.	PUNCT
aijbe-441	232	1	questionnaire	questionnaire	NOUN
aijbe-441	232	2	was	be	AUX
aijbe-441	232	3	the	the	DET
aijbe-441	232	4	instrument	instrument	NOUN
aijbe-441	232	5	used	use	VERB
aijbe-441	232	6	in	in	ADP
aijbe-441	232	7	collecting	collect	VERB
aijbe-441	232	8	primary	primary	ADJ
aijbe-441	232	9	data	datum	NOUN
aijbe-441	232	10	dr	dr	PROPN
aijbe-441	232	11	.	.	PROPN
aijbe-441	233	1	aniebiet	aniebiet	PROPN
aijbe-441	233	2	etuk	etuk	PROPN
aijbe-441	233	3	,	,	PUNCT
aijbe-441	233	4	aniefiok	aniefiok	PROPN
aijbe-441	233	5	okon	okon	PROPN
aijbe-441	233	6	akpan	akpan	PROPN
aijbe-441	233	7	and	and	CCONJ
aijbe-441	233	8	aniekan	aniekan	PROPN
aijbe-441	233	9	eyo	eyo	PROPN
aijbe-441	233	10	awah	awah	PROPN
aijbe-441	233	11	(	(	PUNCT
aijbe-441	233	12	2023	2023	NUM
aijbe-441	233	13	)	)	PUNCT
aijbe-441	233	14	37	37	NUM
aijbe-441	233	15	american	american	ADJ
aijbe-441	233	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	233	17	journal	journal	NOUN
aijbe-441	233	18	of	of	ADP
aijbe-441	233	19	business	business	NOUN
aijbe-441	233	20	and	and	CCONJ
aijbe-441	233	21	economics	economic	NOUN
aijbe-441	233	22	|	|	ADV
aijbe-441	233	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	233	24	and	and	CCONJ
aijbe-441	233	25	the	the	DET
aijbe-441	233	26	hypotheses	hypothesis	NOUN
aijbe-441	233	27	formulated	formulate	VERB
aijbe-441	233	28	were	be	AUX
aijbe-441	233	29	tested	test	VERB
aijbe-441	233	30	using	use	VERB
aijbe-441	233	31	simple	simple	ADJ
aijbe-441	233	32	regression	regression	NOUN
aijbe-441	233	33	.	.	PUNCT
aijbe-441	234	1	the	the	DET
aijbe-441	234	2	proxies	proxy	NOUN
aijbe-441	234	3	of	of	ADP
aijbe-441	234	4	electronic	electronic	ADJ
aijbe-441	234	5	banking	banking	NOUN
aijbe-441	234	6	(	(	PUNCT
aijbe-441	234	7	automated	automate	VERB
aijbe-441	234	8	teller	teller	NOUN
aijbe-441	234	9	machine	machine	NOUN
aijbe-441	234	10	,	,	PUNCT
aijbe-441	234	11	point	point	NOUN
aijbe-441	234	12	of	of	ADP
aijbe-441	234	13	sales	sale	NOUN
aijbe-441	234	14	,	,	PUNCT
aijbe-441	234	15	internet	internet	NOUN
aijbe-441	234	16	banking	banking	NOUN
aijbe-441	234	17	and	and	CCONJ
aijbe-441	234	18	mobile	mobile	ADJ
aijbe-441	234	19	banking	banking	NOUN
aijbe-441	234	20	)	)	PUNCT
aijbe-441	234	21	and	and	CCONJ
aijbe-441	234	22	that	that	PRON
aijbe-441	234	23	of	of	ADP
aijbe-441	234	24	marketing	marketing	NOUN
aijbe-441	234	25	performance	performance	NOUN
aijbe-441	234	26	were	be	AUX
aijbe-441	234	27	examined	examine	VERB
aijbe-441	234	28	.	.	PUNCT
aijbe-441	235	1	hypothesis	hypothesis	NOUN
aijbe-441	235	2	one	one	NUM
aijbe-441	235	3	stated	state	VERB
aijbe-441	235	4	that	that	SCONJ
aijbe-441	235	5	automated	automate	VERB
aijbe-441	235	6	teller	teller	NOUN
aijbe-441	235	7	machine	machine	NOUN
aijbe-441	235	8	has	have	VERB
aijbe-441	235	9	no	no	DET
aijbe-441	235	10	significant	significant	ADJ
aijbe-441	235	11	influence	influence	NOUN
aijbe-441	235	12	on	on	ADP
aijbe-441	235	13	marketing	marketing	NOUN
aijbe-441	235	14	performance	performance	NOUN
aijbe-441	235	15	of	of	ADP
aijbe-441	235	16	deposit	deposit	NOUN
aijbe-441	235	17	money	money	NOUN
aijbe-441	235	18	banks	bank	NOUN
aijbe-441	235	19	in	in	ADP
aijbe-441	235	20	uyo	uyo	NOUN
aijbe-441	235	21	,	,	PUNCT
aijbe-441	235	22	akwa	akwa	ADJ
aijbe-441	235	23	ibom	ibom	ADJ
aijbe-441	235	24	state	state	NOUN
aijbe-441	235	25	.	.	PUNCT
aijbe-441	236	1	the	the	DET
aijbe-441	236	2	results	result	NOUN
aijbe-441	236	3	showed	show	VERB
aijbe-441	236	4	that	that	SCONJ
aijbe-441	236	5	automated	automate	VERB
aijbe-441	236	6	teller	teller	NOUN
aijbe-441	236	7	machine	machine	NOUN
aijbe-441	236	8	has	have	VERB
aijbe-441	236	9	a	a	DET
aijbe-441	236	10	significant	significant	ADJ
aijbe-441	236	11	influence	influence	NOUN
aijbe-441	236	12	on	on	ADP
aijbe-441	236	13	marketing	marketing	NOUN
aijbe-441	236	14	performance	performance	NOUN
aijbe-441	236	15	of	of	ADP
aijbe-441	236	16	the	the	DET
aijbe-441	236	17	banks	bank	NOUN
aijbe-441	236	18	.	.	PUNCT
aijbe-441	237	1	hypothesis	hypothesis	NOUN
aijbe-441	237	2	two	two	NUM
aijbe-441	237	3	stated	state	VERB
aijbe-441	237	4	that	that	SCONJ
aijbe-441	237	5	point	point	NOUN
aijbe-441	237	6	of	of	ADP
aijbe-441	237	7	sales	sale	NOUN
aijbe-441	237	8	does	do	AUX
aijbe-441	237	9	not	not	PART
aijbe-441	237	10	significantly	significantly	ADV
aijbe-441	237	11	influence	influence	VERB
aijbe-441	237	12	marketing	marketing	NOUN
aijbe-441	237	13	performance	performance	NOUN
aijbe-441	237	14	of	of	ADP
aijbe-441	237	15	deposit	deposit	NOUN
aijbe-441	237	16	money	money	NOUN
aijbe-441	237	17	banks	bank	NOUN
aijbe-441	237	18	in	in	ADP
aijbe-441	237	19	uyo	uyo	NOUN
aijbe-441	237	20	,	,	PUNCT
aijbe-441	237	21	akwa	akwa	ADJ
aijbe-441	237	22	ibom	ibom	ADJ
aijbe-441	237	23	state	state	NOUN
aijbe-441	237	24	.	.	PUNCT
aijbe-441	238	1	findings	finding	NOUN
aijbe-441	238	2	contradicted	contradict	VERB
aijbe-441	238	3	this	this	DET
aijbe-441	238	4	hypothesis	hypothesis	NOUN
aijbe-441	238	5	by	by	ADP
aijbe-441	238	6	showing	show	VERB
aijbe-441	238	7	that	that	DET
aijbe-441	238	8	point	point	NOUN
aijbe-441	238	9	of	of	ADP
aijbe-441	238	10	sales	sale	NOUN
aijbe-441	238	11	significantly	significantly	ADV
aijbe-441	238	12	influences	influence	VERB
aijbe-441	238	13	marketing	marketing	NOUN
aijbe-441	238	14	performance	performance	NOUN
aijbe-441	238	15	of	of	ADP
aijbe-441	238	16	deposit	deposit	NOUN
aijbe-441	238	17	money	money	NOUN
aijbe-441	238	18	banks	bank	NOUN
aijbe-441	238	19	.	.	PUNCT
aijbe-441	239	1	hypothesis	hypothesis	NOUN
aijbe-441	239	2	three	three	NUM
aijbe-441	239	3	,	,	PUNCT
aijbe-441	239	4	which	which	PRON
aijbe-441	239	5	stated	state	VERB
aijbe-441	239	6	that	that	SCONJ
aijbe-441	239	7	internet	internet	NOUN
aijbe-441	239	8	banking	banking	NOUN
aijbe-441	239	9	does	do	AUX
aijbe-441	239	10	not	not	PART
aijbe-441	239	11	significantly	significantly	ADV
aijbe-441	239	12	influence	influence	VERB
aijbe-441	239	13	marketing	marketing	NOUN
aijbe-441	239	14	performance	performance	NOUN
aijbe-441	239	15	of	of	ADP
aijbe-441	239	16	deposit	deposit	NOUN
aijbe-441	239	17	money	money	NOUN
aijbe-441	239	18	banks	bank	NOUN
aijbe-441	239	19	in	in	ADP
aijbe-441	239	20	uyo	uyo	NOUN
aijbe-441	239	21	,	,	PUNCT
aijbe-441	239	22	akwa	akwa	ADJ
aijbe-441	239	23	ibom	ibom	ADJ
aijbe-441	239	24	state	state	NOUN
aijbe-441	239	25	,	,	PUNCT
aijbe-441	239	26	was	be	AUX
aijbe-441	239	27	rejected	reject	VERB
aijbe-441	239	28	.	.	PUNCT
aijbe-441	240	1	as	as	SCONJ
aijbe-441	240	2	results	result	NOUN
aijbe-441	240	3	showed	show	VERB
aijbe-441	240	4	that	that	SCONJ
aijbe-441	240	5	internet	internet	NOUN
aijbe-441	240	6	banking	banking	NOUN
aijbe-441	240	7	significantly	significantly	ADV
aijbe-441	240	8	influences	influence	VERB
aijbe-441	240	9	marketing	marketing	NOUN
aijbe-441	240	10	performance	performance	NOUN
aijbe-441	240	11	of	of	ADP
aijbe-441	240	12	the	the	DET
aijbe-441	240	13	banks	bank	NOUN
aijbe-441	240	14	.	.	PUNCT
aijbe-441	241	1	hypothesis	hypothesis	NOUN
aijbe-441	241	2	four	four	NUM
aijbe-441	241	3	which	which	PRON
aijbe-441	241	4	stated	state	VERB
aijbe-441	241	5	that	that	SCONJ
aijbe-441	241	6	mobile	mobile	ADJ
aijbe-441	241	7	banking	banking	NOUN
aijbe-441	241	8	has	have	VERB
aijbe-441	241	9	no	no	DET
aijbe-441	241	10	significant	significant	ADJ
aijbe-441	241	11	influence	influence	NOUN
aijbe-441	241	12	on	on	ADP
aijbe-441	241	13	marketing	marketing	NOUN
aijbe-441	241	14	performance	performance	NOUN
aijbe-441	241	15	of	of	ADP
aijbe-441	241	16	deposit	deposit	NOUN
aijbe-441	241	17	money	money	NOUN
aijbe-441	241	18	banks	bank	NOUN
aijbe-441	241	19	in	in	ADP
aijbe-441	241	20	uyo	uyo	NOUN
aijbe-441	241	21	,	,	PUNCT
aijbe-441	241	22	akwa	akwa	ADJ
aijbe-441	241	23	ibom	ibom	ADJ
aijbe-441	241	24	state	state	NOUN
aijbe-441	241	25	,	,	PUNCT
aijbe-441	241	26	was	be	AUX
aijbe-441	241	27	also	also	ADV
aijbe-441	241	28	rejected	reject	VERB
aijbe-441	241	29	because	because	SCONJ
aijbe-441	241	30	the	the	DET
aijbe-441	241	31	results	result	NOUN
aijbe-441	241	32	revealed	reveal	VERB
aijbe-441	241	33	that	that	SCONJ
aijbe-441	241	34	mobile	mobile	ADJ
aijbe-441	241	35	banking	banking	NOUN
aijbe-441	241	36	has	have	VERB
aijbe-441	241	37	significant	significant	ADJ
aijbe-441	241	38	influence	influence	NOUN
aijbe-441	241	39	on	on	ADP
aijbe-441	241	40	marketing	marketing	NOUN
aijbe-441	241	41	performance	performance	NOUN
aijbe-441	241	42	of	of	ADP
aijbe-441	241	43	the	the	DET
aijbe-441	241	44	banks	bank	NOUN
aijbe-441	241	45	.	.	PUNCT
aijbe-441	242	1	5.2	5.2	NUM
aijbe-441	242	2	conclusion	conclusion	NOUN
aijbe-441	242	3	the	the	DET
aijbe-441	242	4	study	study	NOUN
aijbe-441	242	5	aimed	aim	VERB
aijbe-441	242	6	at	at	ADP
aijbe-441	242	7	investigating	investigate	VERB
aijbe-441	242	8	the	the	DET
aijbe-441	242	9	influence	influence	NOUN
aijbe-441	242	10	of	of	ADP
aijbe-441	242	11	electronic	electronic	ADJ
aijbe-441	242	12	banking	banking	NOUN
aijbe-441	242	13	on	on	ADP
aijbe-441	242	14	marketing	marketing	NOUN
aijbe-441	242	15	performance	performance	NOUN
aijbe-441	242	16	of	of	ADP
aijbe-441	242	17	deposit	deposit	NOUN
aijbe-441	242	18	money	money	NOUN
aijbe-441	242	19	banks	bank	NOUN
aijbe-441	242	20	in	in	ADP
aijbe-441	242	21	uyo	uyo	NOUN
aijbe-441	242	22	,	,	PUNCT
aijbe-441	242	23	akwa	akwa	ADJ
aijbe-441	242	24	ibom	ibom	ADJ
aijbe-441	242	25	state	state	NOUN
aijbe-441	242	26	.	.	PUNCT
aijbe-441	243	1	based	base	VERB
aijbe-441	243	2	on	on	ADP
aijbe-441	243	3	the	the	DET
aijbe-441	243	4	results	result	NOUN
aijbe-441	243	5	,	,	PUNCT
aijbe-441	243	6	it	it	PRON
aijbe-441	243	7	was	be	AUX
aijbe-441	243	8	concluded	conclude	VERB
aijbe-441	243	9	that	that	SCONJ
aijbe-441	243	10	:	:	PUNCT
aijbe-441	243	11	•	•	NUM
aijbe-441	243	12	automated	automate	VERB
aijbe-441	243	13	teller	teller	NOUN
aijbe-441	243	14	machine	machine	NOUN
aijbe-441	243	15	(	(	PUNCT
aijbe-441	243	16	atm	atm	NOUN
aijbe-441	243	17	)	)	PUNCT
aijbe-441	243	18	has	have	VERB
aijbe-441	243	19	significant	significant	ADJ
aijbe-441	243	20	influence	influence	NOUN
aijbe-441	243	21	on	on	ADP
aijbe-441	243	22	marketing	marketing	NOUN
aijbe-441	243	23	performance	performance	NOUN
aijbe-441	243	24	of	of	ADP
aijbe-441	243	25	deposit	deposit	NOUN
aijbe-441	243	26	money	money	NOUN
aijbe-441	243	27	banks	bank	NOUN
aijbe-441	243	28	in	in	ADP
aijbe-441	243	29	uyo	uyo	NOUN
aijbe-441	243	30	,	,	PUNCT
aijbe-441	243	31	akwa	akwa	ADJ
aijbe-441	243	32	ibom	ibom	ADJ
aijbe-441	243	33	state	state	NOUN
aijbe-441	243	34	.	.	PUNCT
aijbe-441	244	1	•	•	NUM
aijbe-441	244	2	point	point	NOUN
aijbe-441	244	3	of	of	ADP
aijbe-441	244	4	sale	sale	NOUN
aijbe-441	244	5	(	(	PUNCT
aijbe-441	244	6	pos	pos	NOUN
aijbe-441	244	7	)	)	PUNCT
aijbe-441	244	8	significantly	significantly	ADV
aijbe-441	244	9	influences	influence	VERB
aijbe-441	244	10	marketing	marketing	NOUN
aijbe-441	244	11	performance	performance	NOUN
aijbe-441	244	12	of	of	ADP
aijbe-441	244	13	deposit	deposit	NOUN
aijbe-441	244	14	money	money	NOUN
aijbe-441	244	15	banks	bank	NOUN
aijbe-441	244	16	in	in	ADP
aijbe-441	244	17	uyo	uyo	NOUN
aijbe-441	244	18	,	,	PUNCT
aijbe-441	244	19	akwa	akwa	ADJ
aijbe-441	244	20	ibom	ibom	ADJ
aijbe-441	244	21	state	state	NOUN
aijbe-441	244	22	.	.	PUNCT
aijbe-441	245	1	•	•	NUM
aijbe-441	245	2	internet	internet	NOUN
aijbe-441	245	3	banking	banking	NOUN
aijbe-441	245	4	significantly	significantly	ADV
aijbe-441	245	5	influences	influence	VERB
aijbe-441	245	6	marketing	marketing	NOUN
aijbe-441	245	7	performance	performance	NOUN
aijbe-441	245	8	of	of	ADP
aijbe-441	245	9	deposit	deposit	NOUN
aijbe-441	245	10	money	money	NOUN
aijbe-441	245	11	banks	bank	NOUN
aijbe-441	245	12	in	in	ADP
aijbe-441	245	13	uyo	uyo	NOUN
aijbe-441	245	14	,	,	PUNCT
aijbe-441	245	15	akwa	akwa	ADJ
aijbe-441	245	16	ibom	ibom	ADJ
aijbe-441	245	17	state	state	NOUN
aijbe-441	245	18	•	•	NUM
aijbe-441	245	19	mobile	mobile	ADJ
aijbe-441	245	20	banking	banking	NOUN
aijbe-441	245	21	has	have	VERB
aijbe-441	245	22	significant	significant	ADJ
aijbe-441	245	23	influence	influence	NOUN
aijbe-441	245	24	on	on	ADP
aijbe-441	245	25	marketing	marketing	NOUN
aijbe-441	245	26	performance	performance	NOUN
aijbe-441	245	27	of	of	ADP
aijbe-441	245	28	deposit	deposit	NOUN
aijbe-441	245	29	money	money	NOUN
aijbe-441	245	30	banks	bank	NOUN
aijbe-441	245	31	in	in	ADP
aijbe-441	245	32	uyo	uyo	NOUN
aijbe-441	245	33	,	,	PUNCT
aijbe-441	245	34	akwa	akwa	ADJ
aijbe-441	245	35	ibom	ibom	ADJ
aijbe-441	245	36	state	state	NOUN
aijbe-441	245	37	.	.	PUNCT
aijbe-441	246	1	5.3	5.3	NUM
aijbe-441	246	2	recommendations	recommendation	NOUN
aijbe-441	246	3	on	on	ADP
aijbe-441	246	4	the	the	DET
aijbe-441	246	5	basis	basis	NOUN
aijbe-441	246	6	of	of	ADP
aijbe-441	246	7	the	the	DET
aijbe-441	246	8	findings	finding	NOUN
aijbe-441	246	9	,	,	PUNCT
aijbe-441	246	10	the	the	DET
aijbe-441	246	11	following	follow	VERB
aijbe-441	246	12	recommendations	recommendation	NOUN
aijbe-441	246	13	were	be	AUX
aijbe-441	246	14	made	make	VERB
aijbe-441	246	15	:	:	PUNCT
aijbe-441	246	16	(	(	PUNCT
aijbe-441	246	17	i	i	NOUN
aijbe-441	246	18	)	)	PUNCT
aijbe-441	246	19	deposit	deposit	VERB
aijbe-441	246	20	money	money	NOUN
aijbe-441	246	21	banks	bank	NOUN
aijbe-441	246	22	should	should	AUX
aijbe-441	246	23	continue	continue	VERB
aijbe-441	246	24	to	to	PART
aijbe-441	246	25	deploy	deploy	VERB
aijbe-441	246	26	electronic	electronic	ADJ
aijbe-441	246	27	banking	banking	NOUN
aijbe-441	246	28	services	service	NOUN
aijbe-441	246	29	through	through	ADP
aijbe-441	246	30	the	the	DET
aijbe-441	246	31	use	use	NOUN
aijbe-441	246	32	of	of	ADP
aijbe-441	246	33	automated	automate	VERB
aijbe-441	246	34	teller	teller	NOUN
aijbe-441	246	35	machine	machine	NOUN
aijbe-441	246	36	,	,	PUNCT
aijbe-441	246	37	point	point	NOUN
aijbe-441	246	38	of	of	ADP
aijbe-441	246	39	sales	sale	NOUN
aijbe-441	246	40	,	,	PUNCT
aijbe-441	246	41	internet	internet	NOUN
aijbe-441	246	42	banking	banking	NOUN
aijbe-441	246	43	,	,	PUNCT
aijbe-441	246	44	and	and	CCONJ
aijbe-441	246	45	mobile	mobile	ADJ
aijbe-441	246	46	banking	banking	NOUN
aijbe-441	246	47	,	,	PUNCT
aijbe-441	246	48	as	as	SCONJ
aijbe-441	246	49	this	this	PRON
aijbe-441	246	50	will	will	AUX
aijbe-441	246	51	help	help	VERB
aijbe-441	246	52	them	they	PRON
aijbe-441	246	53	to	to	PART
aijbe-441	246	54	keep	keep	VERB
aijbe-441	246	55	winning	win	VERB
aijbe-441	246	56	new	new	ADJ
aijbe-441	246	57	customers	customer	NOUN
aijbe-441	246	58	and	and	CCONJ
aijbe-441	246	59	remain	remain	VERB
aijbe-441	246	60	competitive	competitive	ADJ
aijbe-441	246	61	.	.	PUNCT
aijbe-441	247	1	(	(	PUNCT
aijbe-441	247	2	ii	ii	NOUN
aijbe-441	247	3	)	)	PUNCT
aijbe-441	247	4	deposit	deposit	NOUN
aijbe-441	247	5	money	money	NOUN
aijbe-441	247	6	banks	bank	NOUN
aijbe-441	247	7	should	should	AUX
aijbe-441	247	8	always	always	ADV
aijbe-441	247	9	look	look	VERB
aijbe-441	247	10	out	out	ADP
aijbe-441	247	11	for	for	ADP
aijbe-441	247	12	emerging	emerge	VERB
aijbe-441	247	13	electronic	electronic	ADJ
aijbe-441	247	14	banking	banking	NOUN
aijbe-441	247	15	technologies	technology	NOUN
aijbe-441	247	16	to	to	PART
aijbe-441	247	17	ensure	ensure	VERB
aijbe-441	247	18	continuous	continuous	ADJ
aijbe-441	247	19	growth	growth	NOUN
aijbe-441	247	20	in	in	ADP
aijbe-441	247	21	their	their	PRON
aijbe-441	247	22	customer	customer	NOUN
aijbe-441	247	23	base	base	NOUN
aijbe-441	247	24	and	and	CCONJ
aijbe-441	247	25	general	general	ADJ
aijbe-441	247	26	performance	performance	NOUN
aijbe-441	247	27	(	(	PUNCT
aijbe-441	247	28	iii	iii	NOUN
aijbe-441	247	29	)	)	PUNCT
aijbe-441	247	30	staff	staff	NOUN
aijbe-441	247	31	members	member	NOUN
aijbe-441	247	32	of	of	ADP
aijbe-441	247	33	deposit	deposit	NOUN
aijbe-441	247	34	money	money	NOUN
aijbe-441	247	35	banks	bank	NOUN
aijbe-441	247	36	,	,	PUNCT
aijbe-441	247	37	who	who	PRON
aijbe-441	247	38	are	be	AUX
aijbe-441	247	39	in	in	ADP
aijbe-441	247	40	-	-	PUNCT
aijbe-441	247	41	charge	charge	NOUN
aijbe-441	247	42	of	of	ADP
aijbe-441	247	43	the	the	DET
aijbe-441	247	44	operations	operation	NOUN
aijbe-441	247	45	of	of	ADP
aijbe-441	247	46	the	the	DET
aijbe-441	247	47	electronic	electronic	ADJ
aijbe-441	247	48	banking	banking	NOUN
aijbe-441	247	49	channels	channel	NOUN
aijbe-441	247	50	,	,	PUNCT
aijbe-441	247	51	should	should	AUX
aijbe-441	247	52	be	be	AUX
aijbe-441	247	53	trained	train	VERB
aijbe-441	247	54	and	and	CCONJ
aijbe-441	247	55	motivated	motivated	ADJ
aijbe-441	247	56	on	on	ADP
aijbe-441	247	57	a	a	DET
aijbe-441	247	58	continuous	continuous	ADJ
aijbe-441	247	59	basis	basis	NOUN
aijbe-441	247	60	to	to	PART
aijbe-441	247	61	deliver	deliver	VERB
aijbe-441	247	62	top	top	ADJ
aijbe-441	247	63	notch	notch	NOUN
aijbe-441	247	64	service	service	NOUN
aijbe-441	247	65	that	that	PRON
aijbe-441	247	66	will	will	AUX
aijbe-441	247	67	attract	attract	VERB
aijbe-441	247	68	new	new	ADJ
aijbe-441	247	69	customers	customer	NOUN
aijbe-441	247	70	(	(	PUNCT
aijbe-441	247	71	iv	iv	X
aijbe-441	247	72	)	)	PUNCT
aijbe-441	247	73	deposit	deposit	NOUN
aijbe-441	247	74	money	money	NOUN
aijbe-441	247	75	banks	bank	NOUN
aijbe-441	247	76	should	should	AUX
aijbe-441	247	77	strive	strive	VERB
aijbe-441	247	78	to	to	PART
aijbe-441	247	79	resolve	resolve	VERB
aijbe-441	247	80	the	the	DET
aijbe-441	247	81	challenges	challenge	NOUN
aijbe-441	247	82	that	that	PRON
aijbe-441	247	83	surround	surround	VERB
aijbe-441	247	84	electronic	electronic	ADJ
aijbe-441	247	85	banking	banking	NOUN
aijbe-441	247	86	,	,	PUNCT
aijbe-441	247	87	such	such	ADJ
aijbe-441	247	88	as	as	ADP
aijbe-441	247	89	network	network	NOUN
aijbe-441	247	90	failure	failure	NOUN
aijbe-441	247	91	,	,	PUNCT
aijbe-441	247	92	fraud	fraud	NOUN
aijbe-441	247	93	,	,	PUNCT
aijbe-441	247	94	faulty	faulty	ADJ
aijbe-441	247	95	machine	machine	NOUN
aijbe-441	247	96	,	,	PUNCT
aijbe-441	247	97	etc	etc	X
aijbe-441	247	98	in	in	ADP
aijbe-441	247	99	order	order	NOUN
aijbe-441	247	100	for	for	SCONJ
aijbe-441	247	101	customers	customer	NOUN
aijbe-441	247	102	to	to	PART
aijbe-441	247	103	enjoy	enjoy	VERB
aijbe-441	247	104	effective	effective	ADJ
aijbe-441	247	105	and	and	CCONJ
aijbe-441	247	106	efficient	efficient	ADJ
aijbe-441	247	107	electronic	electronic	ADJ
aijbe-441	247	108	banking	banking	NOUN
aijbe-441	247	109	services	service	NOUN
aijbe-441	247	110	.	.	PUNCT
aijbe-441	248	1	dr	dr	PROPN
aijbe-441	248	2	.	.	PROPN
aijbe-441	248	3	aniebiet	aniebiet	PROPN
aijbe-441	248	4	etuk	etuk	PROPN
aijbe-441	248	5	,	,	PUNCT
aijbe-441	248	6	aniefiok	aniefiok	PROPN
aijbe-441	248	7	okon	okon	PROPN
aijbe-441	248	8	akpan	akpan	PROPN
aijbe-441	248	9	and	and	CCONJ
aijbe-441	248	10	aniekan	aniekan	PROPN
aijbe-441	248	11	eyo	eyo	PROPN
aijbe-441	248	12	awah	awah	PROPN
aijbe-441	248	13	(	(	PUNCT
aijbe-441	248	14	2023	2023	NUM
aijbe-441	248	15	)	)	PUNCT
aijbe-441	248	16	38	38	NUM
aijbe-441	248	17	american	american	ADJ
aijbe-441	248	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	248	19	journal	journal	NOUN
aijbe-441	248	20	of	of	ADP
aijbe-441	248	21	business	business	NOUN
aijbe-441	248	22	and	and	CCONJ
aijbe-441	248	23	economics	economic	NOUN
aijbe-441	248	24	|	|	ADV
aijbe-441	248	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	248	26	5.4	5.4	NUM
aijbe-441	248	27	suggestions	suggestion	NOUN
aijbe-441	248	28	for	for	ADP
aijbe-441	248	29	future	future	ADJ
aijbe-441	248	30	research	research	NOUN
aijbe-441	248	31	future	future	ADJ
aijbe-441	248	32	research	research	NOUN
aijbe-441	248	33	should	should	AUX
aijbe-441	248	34	be	be	AUX
aijbe-441	248	35	done	do	VERB
aijbe-441	248	36	on	on	ADP
aijbe-441	248	37	the	the	DET
aijbe-441	248	38	relationship	relationship	NOUN
aijbe-441	248	39	between	between	ADP
aijbe-441	248	40	electronic	electronic	ADJ
aijbe-441	248	41	banking	banking	NOUN
aijbe-441	248	42	and	and	CCONJ
aijbe-441	248	43	customer	customer	NOUN
aijbe-441	248	44	loyalty	loyalty	NOUN
aijbe-441	248	45	,	,	PUNCT
aijbe-441	248	46	because	because	SCONJ
aijbe-441	248	47	it	it	PRON
aijbe-441	248	48	is	be	AUX
aijbe-441	248	49	one	one	NUM
aijbe-441	248	50	thing	thing	NOUN
aijbe-441	248	51	to	to	PART
aijbe-441	248	52	win	win	VERB
aijbe-441	248	53	a	a	DET
aijbe-441	248	54	new	new	ADJ
aijbe-441	248	55	customer	customer	NOUN
aijbe-441	248	56	and	and	CCONJ
aijbe-441	248	57	it	it	PRON
aijbe-441	248	58	is	be	AUX
aijbe-441	248	59	another	another	DET
aijbe-441	248	60	thing	thing	NOUN
aijbe-441	248	61	to	to	PART
aijbe-441	248	62	retain	retain	VERB
aijbe-441	248	63	that	that	DET
aijbe-441	248	64	customer	customer	NOUN
aijbe-441	248	65	.	.	PUNCT
aijbe-441	249	1	references	reference	NOUN
aijbe-441	249	2	acha	acha	PROPN
aijbe-441	249	3	,	,	PUNCT
aijbe-441	249	4	i.	i.	PROPN
aijbe-441	249	5	a.	a.	PROPN
aijbe-441	249	6	(	(	PUNCT
aijbe-441	249	7	2008	2008	NUM
aijbe-441	249	8	)	)	PUNCT
aijbe-441	249	9	.	.	PUNCT
aijbe-441	250	1	electronic	electronic	ADJ
aijbe-441	250	2	banking	banking	NOUN
aijbe-441	250	3	in	in	ADP
aijbe-441	250	4	nigeria	nigeria	PROPN
aijbe-441	250	5	:	:	PUNCT
aijbe-441	250	6	concept	concept	NOUN
aijbe-441	250	7	,	,	PUNCT
aijbe-441	250	8	challenges	challenge	NOUN
aijbe-441	250	9	and	and	CCONJ
aijbe-441	250	10	prospects	prospect	NOUN
aijbe-441	250	11	.	.	PUNCT
aijbe-441	251	1	international	international	ADJ
aijbe-441	251	2	journal	journal	PROPN
aijbe-441	251	3	of	of	ADP
aijbe-441	251	4	development	development	NOUN
aijbe-441	251	5	and	and	CCONJ
aijbe-441	251	6	management	management	NOUN
aijbe-441	251	7	review	review	NOUN
aijbe-441	251	8	,	,	PUNCT
aijbe-441	251	9	3	3	NUM
aijbe-441	251	10	(	(	PUNCT
aijbe-441	251	11	1	1	NUM
aijbe-441	251	12	)	)	PUNCT
aijbe-441	251	13	adosola	adosola	PROPN
aijbe-441	251	14	,	,	PUNCT
aijbe-441	251	15	a	a	PRON
aijbe-441	251	16	,	,	PUNCT
aijbe-441	251	17	&	&	CCONJ
aijbe-441	251	18	ewa	ewa	PROPN
aijbe-441	251	19	,	,	PUNCT
aijbe-441	251	20	u.	u.	PROPN
aijbe-441	251	21	(	(	PUNCT
aijbe-441	251	22	2020	2020	NUM
aijbe-441	251	23	)	)	PUNCT
aijbe-441	251	24	.	.	PUNCT
aijbe-441	252	1	deposit	deposit	NOUN
aijbe-441	252	2	money	money	NOUN
aijbe-441	252	3	banks	bank	NOUN
aijbe-441	252	4	services	service	NOUN
aijbe-441	252	5	and	and	CCONJ
aijbe-441	252	6	economics	economic	NOUN
aijbe-441	252	7	growth	growth	NOUN
aijbe-441	252	8	in	in	ADP
aijbe-441	252	9	nigeria	nigeria	PROPN
aijbe-441	252	10	.	.	PUNCT
aijbe-441	253	1	international	international	ADJ
aijbe-441	253	2	journal	journal	PROPN
aijbe-441	253	3	of	of	ADP
aijbe-441	253	4	finance	finance	NOUN
aijbe-441	253	5	and	and	CCONJ
aijbe-441	253	6	acconnting,9(2	acconnting,9(2	PROPN
aijbe-441	253	7	)	)	PUNCT
aijbe-441	253	8	,	,	PUNCT
aijbe-441	253	9	3141	3141	NUM
aijbe-441	253	10	aduaka	aduaka	ADV
aijbe-441	253	11	,	,	PUNCT
aijbe-441	253	12	u.	u.	PROPN
aijbe-441	253	13	&	&	CCONJ
aijbe-441	253	14	awolusi	awolusi	PROPN
aijbe-441	253	15	,	,	PUNCT
aijbe-441	253	16	o.	o.	PROPN
aijbe-441	253	17	d.	d.	PROPN
aijbe-441	253	18	(	(	PUNCT
aijbe-441	253	19	2020	2020	NUM
aijbe-441	253	20	)	)	PUNCT
aijbe-441	253	21	.	.	PUNCT
aijbe-441	254	1	electronic	electronic	ADJ
aijbe-441	254	2	banking	banking	NOUN
aijbe-441	254	3	and	and	CCONJ
aijbe-441	254	4	profitability	profitability	NOUN
aijbe-441	254	5	in	in	ADP
aijbe-441	254	6	the	the	DET
aijbe-441	254	7	nigerian	nigerian	ADJ
aijbe-441	254	8	banking	banking	NOUN
aijbe-441	254	9	industry	industry	NOUN
aijbe-441	254	10	.	.	PUNCT
aijbe-441	255	1	information	information	NOUN
aijbe-441	255	2	management	management	NOUN
aijbe-441	255	3	and	and	CCONJ
aijbe-441	255	4	business	business	NOUN
aijbe-441	255	5	review	review	PROPN
aijbe-441	255	6	,	,	PUNCT
aijbe-441	255	7	12(2),20	12(2),20	NUM
aijbe-441	255	8	-	-	SYM
aijbe-441	255	9	37	37	NUM
aijbe-441	255	10	affiah	affiah	PROPN
aijbe-441	255	11	,	,	PUNCT
aijbe-441	255	12	e.a	e.a	PROPN
aijbe-441	255	13	.	.	PROPN
aijbe-441	255	14	,	,	PUNCT
aijbe-441	255	15	akpan	akpan	PROPN
aijbe-441	255	16	,	,	PUNCT
aijbe-441	255	17	a.o	a.o	PROPN
aijbe-441	255	18	.	.	PROPN
aijbe-441	255	19	&	&	CCONJ
aijbe-441	255	20	mark	mark	PROPN
aijbe-441	255	21	,	,	PUNCT
aijbe-441	255	22	r.m	r.m	PROPN
aijbe-441	255	23	.	.	PROPN
aijbe-441	255	24	(	(	PUNCT
aijbe-441	255	25	2022	2022	NUM
aijbe-441	255	26	)	)	PUNCT
aijbe-441	255	27	.	.	PUNCT
aijbe-441	256	1	store	store	NOUN
aijbe-441	256	2	layout	layout	NOUN
aijbe-441	256	3	and	and	CCONJ
aijbe-441	256	4	purchase	purchase	NOUN
aijbe-441	256	5	behaviour	behaviour	NOUN
aijbe-441	256	6	of	of	ADP
aijbe-441	256	7	consumers	consumer	NOUN
aijbe-441	256	8	in	in	ADP
aijbe-441	256	9	selected	select	VERB
aijbe-441	256	10	supermarkets	supermarket	NOUN
aijbe-441	256	11	in	in	ADP
aijbe-441	256	12	uyo	uyo	PROPN
aijbe-441	256	13	metropolis	metropolis	PROPN
aijbe-441	256	14	.	.	PUNCT
aijbe-441	257	1	innovative	innovative	ADJ
aijbe-441	257	2	journal	journal	NOUN
aijbe-441	257	3	of	of	ADP
aijbe-441	257	4	research	research	NOUN
aijbe-441	257	5	in	in	ADP
aijbe-441	257	6	marketing	marketing	NOUN
aijbe-441	257	7	and	and	CCONJ
aijbe-441	257	8	customer	customer	NOUN
aijbe-441	257	9	success	success	NOUN
aijbe-441	257	10	,	,	PUNCT
aijbe-441	257	11	2(10	2(10	NUM
aijbe-441	257	12	)	)	PUNCT
aijbe-441	257	13	ajayi	ajayi	NOUN
aijbe-441	257	14	,	,	PUNCT
aijbe-441	257	15	i.	i.	PROPN
aijbe-441	257	16	e	e	PROPN
aijbe-441	257	17	&	&	CCONJ
aijbe-441	257	18	enitilo	enitilo	ADJ
aijbe-441	257	19	,	,	PUNCT
aijbe-441	257	20	o	o	X
aijbe-441	257	21	(	(	PUNCT
aijbe-441	257	22	2016	2016	NUM
aijbe-441	257	23	)	)	PUNCT
aijbe-441	257	24	.	.	PUNCT
aijbe-441	258	1	impact	impact	NOUN
aijbe-441	258	2	of	of	ADP
aijbe-441	258	3	electronic	electronic	ADJ
aijbe-441	258	4	banking	banking	NOUN
aijbe-441	258	5	on	on	ADP
aijbe-441	258	6	bank	bank	NOUN
aijbe-441	258	7	performance	performance	NOUN
aijbe-441	258	8	in	in	ADP
aijbe-441	258	9	ekiti	ekiti	PROPN
aijbe-441	258	10	state	state	PROPN
aijbe-441	258	11	,	,	PUNCT
aijbe-441	258	12	nigeria	nigeria	PROPN
aijbe-441	258	13	.	.	PUNCT
aijbe-441	259	1	international	international	ADJ
aijbe-441	259	2	journal	journal	PROPN
aijbe-441	259	3	of	of	ADP
aijbe-441	259	4	multidisciplinary	multidisciplinary	ADJ
aijbe-441	259	5	and	and	CCONJ
aijbe-441	259	6	current	current	ADJ
aijbe-441	259	7	research	research	NOUN
aijbe-441	259	8	,	,	PUNCT
aijbe-441	259	9	4	4	NUM
aijbe-441	259	10	(	(	PUNCT
aijbe-441	259	11	826	826	NUM
aijbe-441	259	12	-	-	NUM
aijbe-441	259	13	835	835	NUM
aijbe-441	259	14	)	)	PUNCT
aijbe-441	259	15	akpan	akpan	NOUN
aijbe-441	259	16	,	,	PUNCT
aijbe-441	259	17	a.o	a.o	PROPN
aijbe-441	259	18	.	.	PROPN
aijbe-441	259	19	,	,	PUNCT
aijbe-441	259	20	ezenyilimba	ezenyilimba	PROPN
aijbe-441	259	21	,	,	PUNCT
aijbe-441	259	22	e.	e.	PROPN
aijbe-441	259	23	&	&	CCONJ
aijbe-441	259	24	mbah	mbah	PROPN
aijbe-441	259	25	,	,	PUNCT
aijbe-441	259	26	c.c	c.c	PROPN
aijbe-441	259	27	.	.	PROPN
aijbe-441	259	28	(	(	PUNCT
aijbe-441	259	29	2019	2019	NUM
aijbe-441	259	30	)	)	PUNCT
aijbe-441	259	31	.	.	PUNCT
aijbe-441	260	1	age	age	NOUN
aijbe-441	260	2	and	and	CCONJ
aijbe-441	260	3	online	online	ADJ
aijbe-441	260	4	consumer	consumer	NOUN
aijbe-441	260	5	behaviour	behaviour	NOUN
aijbe-441	260	6	in	in	ADP
aijbe-441	260	7	nigeria	nigeria	PROPN
aijbe-441	260	8	.	.	PUNCT
aijbe-441	261	1	economics	economic	NOUN
aijbe-441	261	2	and	and	CCONJ
aijbe-441	261	3	social	social	ADJ
aijbe-441	261	4	services	service	NOUN
aijbe-441	261	5	academic	academic	ADJ
aijbe-441	261	6	journal	journal	NOUN
aijbe-441	261	7	,	,	PUNCT
aijbe-441	261	8	1(5	1(5	NUM
aijbe-441	261	9	)	)	PUNCT
aijbe-441	261	10	.	.	PUNCT
aijbe-441	262	1	akpan	akpan	PROPN
aijbe-441	262	2	,	,	PUNCT
aijbe-441	262	3	a.o	a.o	PROPN
aijbe-441	262	4	.	.	PROPN
aijbe-441	262	5	,	,	PUNCT
aijbe-441	262	6	mark	mark	PROPN
aijbe-441	262	7	,	,	PUNCT
aijbe-441	262	8	r.m	r.m	PROPN
aijbe-441	262	9	.	.	PROPN
aijbe-441	262	10	&	&	CCONJ
aijbe-441	262	11	affiah	affiah	PROPN
aijbe-441	262	12	,	,	PUNCT
aijbe-441	262	13	e.a	e.a	PROPN
aijbe-441	262	14	.	.	PROPN
aijbe-441	262	15	(	(	PUNCT
aijbe-441	262	16	2022	2022	NUM
aijbe-441	262	17	)	)	PUNCT
aijbe-441	262	18	.	.	PUNCT
aijbe-441	263	1	determinants	determinant	NOUN
aijbe-441	263	2	of	of	ADP
aijbe-441	263	3	mobile	mobile	ADJ
aijbe-441	263	4	phone	phone	NOUN
aijbe-441	263	5	brand	brand	NOUN
aijbe-441	263	6	preference	preference	NOUN
aijbe-441	263	7	among	among	ADP
aijbe-441	263	8	university	university	NOUN
aijbe-441	263	9	students	student	NOUN
aijbe-441	263	10	in	in	ADP
aijbe-441	263	11	akwa	akwa	ADJ
aijbe-441	263	12	ibom	ibom	ADJ
aijbe-441	263	13	state	state	NOUN
aijbe-441	263	14	.	.	PUNCT
aijbe-441	264	1	british	british	ADJ
aijbe-441	264	2	international	international	PROPN
aijbe-441	264	3	journal	journal	PROPN
aijbe-441	264	4	of	of	ADP
aijbe-441	264	5	business	business	NOUN
aijbe-441	264	6	and	and	CCONJ
aijbe-441	264	7	marketing	marketing	NOUN
aijbe-441	264	8	research	research	NOUN
aijbe-441	264	9	,	,	PUNCT
aijbe-441	264	10	5(5	5(5	NUM
aijbe-441	264	11	)	)	PUNCT
aijbe-441	264	12	.	.	PUNCT
aijbe-441	265	1	akpan	akpan	PROPN
aijbe-441	265	2	,	,	PUNCT
aijbe-441	265	3	a.	a.	NOUN
aijbe-441	265	4	o.	o.	PROPN
aijbe-441	265	5	,	,	PUNCT
aijbe-441	265	6	mbah	mbah	PROPN
aijbe-441	265	7	,	,	PUNCT
aijbe-441	265	8	c.	c.	PROPN
aijbe-441	265	9	c.	c.	PROPN
aijbe-441	265	10	&	&	CCONJ
aijbe-441	265	11	ezenyilimba	ezenyilimba	PROPN
aijbe-441	265	12	,	,	PUNCT
aijbe-441	265	13	e.	e.	PROPN
aijbe-441	265	14	(	(	PUNCT
aijbe-441	265	15	2019	2019	NUM
aijbe-441	265	16	)	)	PUNCT
aijbe-441	265	17	.	.	PUNCT
aijbe-441	266	1	service	service	NOUN
aijbe-441	266	2	quality	quality	NOUN
aijbe-441	266	3	dimensions	dimension	NOUN
aijbe-441	266	4	and	and	CCONJ
aijbe-441	266	5	customer	customer	NOUN
aijbe-441	266	6	loyalty	loyalty	NOUN
aijbe-441	266	7	in	in	ADP
aijbe-441	266	8	the	the	DET
aijbe-441	266	9	nigeria	nigeria	PROPN
aijbe-441	266	10	telecommunication	telecommunication	NOUN
aijbe-441	266	11	industry	industry	NOUN
aijbe-441	266	12	.	.	PUNCT
aijbe-441	267	1	contemporary	contemporary	ADJ
aijbe-441	267	2	marketing	marketing	PROPN
aijbe-441	267	3	research	research	NOUN
aijbe-441	267	4	journal	journal	NOUN
aijbe-441	267	5	,	,	PUNCT
aijbe-441	267	6	6(1	6(1	NUM
aijbe-441	267	7	)	)	PUNCT
aijbe-441	267	8	.	.	PUNCT
aijbe-441	268	1	akpan	akpan	PROPN
aijbe-441	268	2	,	,	PUNCT
aijbe-441	268	3	a.o	a.o	PROPN
aijbe-441	268	4	.	.	PROPN
aijbe-441	268	5	,	,	PUNCT
aijbe-441	268	6	mfon	mfon	PROPN
aijbe-441	268	7	,	,	PUNCT
aijbe-441	268	8	a.a	a.a	PROPN
aijbe-441	268	9	.	.	PROPN
aijbe-441	268	10	&	&	CCONJ
aijbe-441	268	11	ibok	ibok	PROPN
aijbe-441	268	12	,	,	PUNCT
aijbe-441	268	13	n.i	n.i	PROPN
aijbe-441	268	14	.	.	PROPN
aijbe-441	268	15	(	(	PUNCT
aijbe-441	268	16	2022	2022	NUM
aijbe-441	268	17	)	)	PUNCT
aijbe-441	268	18	.	.	PUNCT
aijbe-441	269	1	disruptive	disruptive	ADJ
aijbe-441	269	2	innovations	innovation	NOUN
aijbe-441	269	3	and	and	CCONJ
aijbe-441	269	4	marketing	marketing	NOUN
aijbe-441	269	5	performance	performance	NOUN
aijbe-441	269	6	of	of	ADP
aijbe-441	269	7	online	online	ADJ
aijbe-441	269	8	marketers	marketer	NOUN
aijbe-441	269	9	in	in	ADP
aijbe-441	269	10	uyo	uyo	NOUN
aijbe-441	269	11	,	,	PUNCT
aijbe-441	269	12	akwa	akwa	ADJ
aijbe-441	269	13	ibom	ibom	ADJ
aijbe-441	269	14	state	state	NOUN
aijbe-441	269	15	.	.	PUNCT
aijbe-441	270	1	world	world	PROPN
aijbe-441	270	2	journal	journal	PROPN
aijbe-441	270	3	of	of	ADP
aijbe-441	270	4	advanced	advanced	ADJ
aijbe-441	270	5	research	research	NOUN
aijbe-441	270	6	and	and	CCONJ
aijbe-441	270	7	reviews	review	NOUN
aijbe-441	270	8	,	,	PUNCT
aijbe-441	270	9	16(02	16(02	NUM
aijbe-441	270	10	)	)	PUNCT
aijbe-441	270	11	,	,	PUNCT
aijbe-441	270	12	181	181	NUM
aijbe-441	270	13	-	-	SYM
aijbe-441	270	14	192	192	NUM
aijbe-441	270	15	.	.	PUNCT
aijbe-441	271	1	akpan	akpan	PROPN
aijbe-441	271	2	,	,	PUNCT
aijbe-441	271	3	a.	a.	NOUN
aijbe-441	271	4	o.	o.	PROPN
aijbe-441	271	5	,	,	PUNCT
aijbe-441	271	6	promise	promise	NOUN
aijbe-441	271	7	,	,	PUNCT
aijbe-441	271	8	c.o	c.o	PROPN
aijbe-441	271	9	.	.	PROPN
aijbe-441	271	10	&	&	CCONJ
aijbe-441	271	11	mbah	mbah	PROPN
aijbe-441	271	12	,	,	PUNCT
aijbe-441	271	13	c.c	c.c	PROPN
aijbe-441	271	14	.	.	PROPN
aijbe-441	271	15	(	(	PUNCT
aijbe-441	271	16	2019	2019	NUM
aijbe-441	271	17	)	)	PUNCT
aijbe-441	271	18	.	.	PUNCT
aijbe-441	272	1	analysis	analysis	NOUN
aijbe-441	272	2	of	of	ADP
aijbe-441	272	3	the	the	DET
aijbe-441	272	4	effect	effect	NOUN
aijbe-441	272	5	of	of	ADP
aijbe-441	272	6	gender	gender	NOUN
aijbe-441	272	7	on	on	ADP
aijbe-441	272	8	online	online	ADJ
aijbe-441	272	9	shopping	shopping	NOUN
aijbe-441	272	10	in	in	ADP
aijbe-441	272	11	nigeria	nigeria	PROPN
aijbe-441	272	12	.	.	PUNCT
aijbe-441	273	1	international	international	ADJ
aijbe-441	273	2	journal	journal	PROPN
aijbe-441	273	3	of	of	ADP
aijbe-441	273	4	research	research	NOUN
aijbe-441	273	5	in	in	ADP
aijbe-441	273	6	management	management	NOUN
aijbe-441	273	7	,	,	PUNCT
aijbe-441	273	8	3(8	3(8	NUM
aijbe-441	273	9	)	)	PUNCT
aijbe-441	273	10	.	.	PUNCT
aijbe-441	274	1	akpan	akpan	PROPN
aijbe-441	274	2	,	,	PUNCT
aijbe-441	274	3	a.o	a.o	PROPN
aijbe-441	274	4	.	.	PROPN
aijbe-441	274	5	,	,	PUNCT
aijbe-441	274	6	sampson	sampson	PROPN
aijbe-441	274	7	,	,	PUNCT
aijbe-441	274	8	e.a	e.a	PROPN
aijbe-441	274	9	.	.	PROPN
aijbe-441	274	10	and	and	CCONJ
aijbe-441	274	11	udoka	udoka	VERB
aijbe-441	274	12	,	,	PUNCT
aijbe-441	274	13	m.o	m.o	PROPN
aijbe-441	274	14	.	.	PROPN
aijbe-441	274	15	(	(	PUNCT
aijbe-441	274	16	2022	2022	NUM
aijbe-441	274	17	)	)	PUNCT
aijbe-441	274	18	.	.	PUNCT
aijbe-441	275	1	drug	drug	NOUN
aijbe-441	275	2	advertising	advertising	NOUN
aijbe-441	275	3	and	and	CCONJ
aijbe-441	275	4	purchase	purchase	NOUN
aijbe-441	275	5	behaviour	behaviour	NOUN
aijbe-441	275	6	of	of	ADP
aijbe-441	275	7	residents	resident	NOUN
aijbe-441	275	8	of	of	ADP
aijbe-441	275	9	uyo	uyo	PROPN
aijbe-441	275	10	metropolis	metropolis	PROPN
aijbe-441	275	11	.	.	PUNCT
aijbe-441	276	1	a	a	DET
aijbe-441	276	2	study	study	NOUN
aijbe-441	276	3	of	of	ADP
aijbe-441	276	4	the	the	DET
aijbe-441	276	5	retail	retail	ADJ
aijbe-441	276	6	pharmaceutical	pharmaceutical	NOUN
aijbe-441	276	7	industry	industry	NOUN
aijbe-441	276	8	.	.	PUNCT
aijbe-441	277	1	european	european	PROPN
aijbe-441	277	2	journal	journal	PROPN
aijbe-441	277	3	of	of	ADP
aijbe-441	277	4	marketing	marketing	NOUN
aijbe-441	277	5	and	and	CCONJ
aijbe-441	277	6	management	management	NOUN
aijbe-441	277	7	science	science	NOUN
aijbe-441	277	8	,	,	PUNCT
aijbe-441	277	9	5(1	5(1	NUM
aijbe-441	277	10	)	)	PUNCT
aijbe-441	277	11	,	,	PUNCT
aijbe-441	277	12	1	1	NUM
aijbe-441	277	13	-	-	SYM
aijbe-441	277	14	18	18	NUM
aijbe-441	277	15	.	.	PUNCT
aijbe-441	278	1	dr	dr	PROPN
aijbe-441	278	2	.	.	PROPN
aijbe-441	278	3	aniebiet	aniebiet	PROPN
aijbe-441	278	4	etuk	etuk	PROPN
aijbe-441	278	5	,	,	PUNCT
aijbe-441	278	6	aniefiok	aniefiok	PROPN
aijbe-441	278	7	okon	okon	PROPN
aijbe-441	278	8	akpan	akpan	PROPN
aijbe-441	278	9	and	and	CCONJ
aijbe-441	278	10	aniekan	aniekan	PROPN
aijbe-441	278	11	eyo	eyo	PROPN
aijbe-441	278	12	awah	awah	PROPN
aijbe-441	278	13	(	(	PUNCT
aijbe-441	278	14	2023	2023	NUM
aijbe-441	278	15	)	)	PUNCT
aijbe-441	278	16	39	39	NUM
aijbe-441	278	17	american	american	ADJ
aijbe-441	278	18	interdisciplinary	interdisciplinary	ADJ
aijbe-441	278	19	journal	journal	NOUN
aijbe-441	278	20	of	of	ADP
aijbe-441	278	21	business	business	NOUN
aijbe-441	278	22	and	and	CCONJ
aijbe-441	278	23	economics	economic	NOUN
aijbe-441	278	24	|	|	ADV
aijbe-441	278	25	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	NOUN
aijbe-441	278	26	allocadia	allocadia	PROPN
aijbe-441	278	27	(	(	PUNCT
aijbe-441	278	28	2021	2021	NUM
aijbe-441	278	29	)	)	PUNCT
aijbe-441	278	30	.	.	PUNCT
aijbe-441	279	1	marketing	marketing	NOUN
aijbe-441	279	2	performance	performance	NOUN
aijbe-441	279	3	.	.	PUNCT
aijbe-441	280	1	retrieval	retrieval	NOUN
aijbe-441	280	2	from	from	ADP
aijbe-441	280	3	https:11	https:11	PROPN
aijbe-441	280	4	allocadia.com/blog/performance/	allocadia.com/blog/performance/	NOUN
aijbe-441	280	5	what	what	PRON
aijbe-441	280	6	–	–	PUNCT
aijbe-441	280	7	is	be	AUX
aijbe-441	280	8	–	–	PUNCT
aijbe-441	280	9	marketingperformance	marketingperformance	NOUN
aijbe-441	280	10	.	.	PUNCT
aijbe-441	281	1	awah	awah	PROPN
aijbe-441	281	2	,	,	PUNCT
aijbe-441	281	3	a.e	a.e	PROPN
aijbe-441	281	4	.	.	PROPN
aijbe-441	281	5	,	,	PUNCT
aijbe-441	281	6	akpan	akpan	PROPN
aijbe-441	281	7	,	,	PUNCT
aijbe-441	281	8	a.o	a.o	PROPN
aijbe-441	281	9	.	.	PROPN
aijbe-441	281	10	&	&	CCONJ
aijbe-441	281	11	anamelechi	anamelechi	PROPN
aijbe-441	281	12	,	,	PUNCT
aijbe-441	281	13	c.c	c.c	PROPN
aijbe-441	281	14	.	.	PROPN
aijbe-441	281	15	(	(	PUNCT
aijbe-441	281	16	2020	2020	NUM
aijbe-441	281	17	)	)	PUNCT
aijbe-441	281	18	.	.	PUNCT
aijbe-441	282	1	internal	internal	ADJ
aijbe-441	282	2	marketing	marketing	NOUN
aijbe-441	282	3	and	and	CCONJ
aijbe-441	282	4	customer	customer	NOUN
aijbe-441	282	5	loyalty	loyalty	NOUN
aijbe-441	282	6	among	among	ADP
aijbe-441	282	7	microfinance	microfinance	NOUN
aijbe-441	282	8	banks	bank	NOUN
aijbe-441	282	9	in	in	ADP
aijbe-441	282	10	akwa	akwa	ADJ
aijbe-441	282	11	ibom	ibom	ADJ
aijbe-441	282	12	state	state	NOUN
aijbe-441	282	13	,	,	PUNCT
aijbe-441	282	14	nigeria	nigeria	PROPN
aijbe-441	282	15	.	.	PUNCT
aijbe-441	283	1	international	international	ADJ
aijbe-441	283	2	journal	journal	PROPN
aijbe-441	283	3	of	of	ADP
aijbe-441	283	4	marketing	marketing	NOUN
aijbe-441	283	5	and	and	CCONJ
aijbe-441	283	6	management	management	NOUN
aijbe-441	283	7	research	research	NOUN
aijbe-441	283	8	11	11	NUM
aijbe-441	283	9	awah	awah	NOUN
aijbe-441	283	10	,	,	PUNCT
aijbe-441	283	11	a.e	a.e	PROPN
aijbe-441	283	12	,	,	PUNCT
aijbe-441	283	13	akpan	akpan	NOUN
aijbe-441	283	14	,	,	PUNCT
aijbe-441	283	15	a.o	a.o	PROPN
aijbe-441	283	16	.	.	PROPN
aijbe-441	283	17	&	&	CCONJ
aijbe-441	283	18	eno	eno	PROPN
aijbe-441	283	19	,	,	PUNCT
aijbe-441	283	20	n.a	n.a	PROPN
aijbe-441	283	21	.	.	PROPN
aijbe-441	283	22	(	(	PUNCT
aijbe-441	283	23	2019	2019	NUM
aijbe-441	283	24	)	)	PUNCT
aijbe-441	283	25	.	.	PUNCT
aijbe-441	284	1	pull	pull	VERB
aijbe-441	284	2	promotion	promotion	NOUN
aijbe-441	284	3	in	in	ADP
aijbe-441	284	4	the	the	DET
aijbe-441	284	5	marketing	marketing	NOUN
aijbe-441	284	6	of	of	ADP
aijbe-441	284	7	bank	bank	NOUN
aijbe-441	284	8	services	service	NOUN
aijbe-441	284	9	among	among	ADP
aijbe-441	284	10	microfinance	microfinance	NOUN
aijbe-441	284	11	banks	bank	NOUN
aijbe-441	284	12	in	in	ADP
aijbe-441	284	13	akwa	akwa	ADJ
aijbe-441	284	14	ibom	ibom	ADJ
aijbe-441	284	15	state	state	NOUN
aijbe-441	284	16	.	.	PUNCT
aijbe-441	285	1	advance	advance	PROPN
aijbe-441	285	2	journal	journal	PROPN
aijbe-441	285	3	of	of	ADP
aijbe-441	285	4	economics	economic	NOUN
aijbe-441	285	5	and	and	CCONJ
aijbe-441	285	6	marketing	marketing	NOUN
aijbe-441	285	7	awah	awah	NOUN
aijbe-441	285	8	,	,	PUNCT
aijbe-441	285	9	e.a	e.a	PROPN
aijbe-441	285	10	.	.	PROPN
aijbe-441	285	11	,	,	PUNCT
aijbe-441	285	12	akpan	akpan	PROPN
aijbe-441	285	13	,	,	PUNCT
aijbe-441	285	14	a.o	a.o	PROPN
aijbe-441	285	15	.	.	PROPN
aijbe-441	285	16	&	&	CCONJ
aijbe-441	285	17	sampson	sampson	PROPN
aijbe-441	285	18	,	,	PUNCT
aijbe-441	285	19	e.a	e.a	PROPN
aijbe-441	285	20	.	.	PROPN
aijbe-441	285	21	(	(	PUNCT
aijbe-441	285	22	2021	2021	NUM
aijbe-441	285	23	)	)	PUNCT
aijbe-441	285	24	.	.	PUNCT
aijbe-441	286	1	public	public	ADJ
aijbe-441	286	2	relations	relation	NOUN
aijbe-441	286	3	and	and	CCONJ
aijbe-441	286	4	savings	saving	NOUN
aijbe-441	286	5	mobilization	mobilization	NOUN
aijbe-441	286	6	drive	drive	NOUN
aijbe-441	286	7	of	of	ADP
aijbe-441	286	8	microfinance	microfinance	NOUN
aijbe-441	286	9	banks	bank	NOUN
aijbe-441	286	10	in	in	ADP
aijbe-441	286	11	akwa	akwa	ADJ
aijbe-441	286	12	ibom	ibom	ADJ
aijbe-441	286	13	state	state	NOUN
aijbe-441	286	14	,	,	PUNCT
aijbe-441	286	15	nigeria	nigeria	PROPN
aijbe-441	286	16	.	.	PUNCT
aijbe-441	287	1	contemporary	contemporary	ADJ
aijbe-441	287	2	marketing	marketing	PROPN
aijbe-441	287	3	research	research	NOUN
aijbe-441	287	4	journal	journal	NOUN
aijbe-441	287	5	,	,	PUNCT
aijbe-441	287	6	8(3	8(3	NUM
aijbe-441	287	7	)	)	PUNCT
aijbe-441	287	8	awah	awah	NOUN
aijbe-441	287	9	,	,	PUNCT
aijbe-441	287	10	e.a	e.a	PROPN
aijbe-441	287	11	.	.	PROPN
aijbe-441	287	12	,	,	PUNCT
aijbe-441	287	13	akpan	akpan	PROPN
aijbe-441	287	14	,	,	PUNCT
aijbe-441	287	15	a.o	a.o	PROPN
aijbe-441	287	16	.	.	PROPN
aijbe-441	287	17	&	&	CCONJ
aijbe-441	287	18	ele	ele	PROPN
aijbe-441	287	19	,	,	PUNCT
aijbe-441	287	20	l.e	l.e	PROPN
aijbe-441	287	21	.	.	PROPN
aijbe-441	287	22	(	(	PUNCT
aijbe-441	287	23	2021	2021	NUM
aijbe-441	287	24	)	)	PUNCT
aijbe-441	287	25	.	.	PUNCT
aijbe-441	288	1	personal	personal	ADJ
aijbe-441	288	2	selling	selling	NOUN
aijbe-441	288	3	and	and	CCONJ
aijbe-441	288	4	savings	saving	NOUN
aijbe-441	288	5	mobilization	mobilization	NOUN
aijbe-441	288	6	drive	drive	NOUN
aijbe-441	288	7	of	of	ADP
aijbe-441	288	8	uniuyo	uniuyo	PROPN
aijbe-441	288	9	microfinance	microfinance	NOUN
aijbe-441	288	10	bank	bank	NOUN
aijbe-441	288	11	.	.	PUNCT
aijbe-441	289	1	international	international	ADJ
aijbe-441	289	2	journal	journal	PROPN
aijbe-441	289	3	of	of	ADP
aijbe-441	289	4	research	research	NOUN
aijbe-441	289	5	in	in	ADP
aijbe-441	289	6	finance	finance	NOUN
aijbe-441	289	7	and	and	CCONJ
aijbe-441	289	8	marketing	marketing	NOUN
aijbe-441	289	9	,	,	PUNCT
aijbe-441	289	10	11(10	11(10	NUM
aijbe-441	289	11	)	)	PUNCT
aijbe-441	289	12	batchelor	batchelor	PROPN
aijbe-441	289	13	,	,	PUNCT
aijbe-441	289	14	b.	b.	PROPN
aijbe-441	289	15	(	(	PUNCT
aijbe-441	289	16	2017	2017	NUM
aijbe-441	289	17	)	)	PUNCT
aijbe-441	289	18	.	.	PUNCT
aijbe-441	290	1	the	the	DET
aijbe-441	290	2	history	history	NOUN
aijbe-441	290	3	of	of	ADP
aijbe-441	290	4	e	e	NOUN
aijbe-441	290	5	-	-	NOUN
aijbe-441	290	6	banking	banking	NOUN
aijbe-441	290	7	..	..	PUNCT
aijbe-441	290	8	retrieved	retrieve	VERB
aijbe-441	290	9	from	from	ADP
aijbe-441	290	10	bizfluent.com	bizfluent.com	X
aijbe-441	290	11	cantwell	cantwell	PROPN
aijbe-441	290	12	,	,	PUNCT
aijbe-441	290	13	p.j	p.j	PROPN
aijbe-441	290	14	.	.	PROPN
aijbe-441	290	15	(	(	PUNCT
aijbe-441	290	16	2011	2011	NUM
aijbe-441	290	17	)	)	PUNCT
aijbe-441	290	18	.	.	PUNCT
aijbe-441	291	1	census	census	PROPN
aijbe-441	291	2	.	.	PUNCT
aijbe-441	292	1	retrieved	retrieve	VERB
aijbe-441	292	2	from	from	ADP
aijbe-441	292	3	https://	https://	PROPN
aijbe-441	292	4	methods	method	NOUN
aijbe-441	292	5	.sagepub.com	.sagepub.com	NOUN
aijbe-441	292	6	/	/	SYM
aijbe-441	292	7	reference	reference	NOUN
aijbe-441	292	8	/	/	SYM
aijbe-441	292	9	encyclopedia	encyclopedia	NOUN
aijbe-441	292	10	–	–	PUNCT
aijbe-441	292	11	of	of	ADP
aijbe-441	292	12	–	–	PUNCT
aijbe-441	292	13	surveyresearch	surveyresearch	NOUN
aijbe-441	292	14	–	–	PUNCT
aijbe-441	292	15	methods	method	NOUN
aijbe-441	292	16	/	/	SYM
aijbe-441	292	17	n61.xmll	n61.xmll	NOUN
aijbe-441	292	18	cbn(n.d	cbn(n.d	NOUN
aijbe-441	292	19	.	.	PUNCT
aijbe-441	292	20	)	)	PUNCT
aijbe-441	293	1	all	all	DET
aijbe-441	293	2	financial	financial	ADJ
aijbe-441	293	3	institutions	institution	NOUN
aijbe-441	293	4	.	.	PUNCT
aijbe-441	294	1	retrieved	retrieve	VERB
aijbe-441	294	2	from	from	ADP
aijbe-441	294	3	https://www.cbn.gov.ng/supervision/allfininstitutions.asp	https://www.cbn.gov.ng/supervision/allfininstitutions.asp	PROPN
aijbe-441	294	4	chimezie	chimezie	PROPN
aijbe-441	294	5	,	,	PUNCT
aijbe-441	294	6	o.s	o.s	PROPN
aijbe-441	294	7	,	,	PUNCT
aijbe-441	294	8	chukwuemeka	chukwuemeka	PROPN
aijbe-441	294	9	,	,	PUNCT
aijbe-441	294	10	i	i	PRON
aijbe-441	294	11	,	,	PUNCT
aijbe-441	294	12	&	&	CCONJ
aijbe-441	294	13	uche	uche	PROPN
aijbe-441	294	14	,	,	PUNCT
aijbe-441	294	15	s.d.(2019).electronic	s.d.(2019).electronic	ADJ
aijbe-441	294	16	banking	banking	NOUN
aijbe-441	294	17	and	and	CCONJ
aijbe-441	294	18	commercial	commercial	ADJ
aijbe-441	294	19	bank	bank	NOUN
aijbe-441	294	20	’s	’s	PART
aijbe-441	294	21	performance	performance	NOUN
aijbe-441	294	22	in	in	ADP
aijbe-441	294	23	nigeria	nigeria	PROPN
aijbe-441	294	24	:	:	PUNCT
aijbe-441	294	25	an	an	DET
aijbe-441	294	26	ardl	ardl	NOUN
aijbe-441	294	27	approach	approach	NOUN
aijbe-441	294	28	journal	journal	NOUN
aijbe-441	294	29	of	of	ADP
aijbe-441	294	30	finance	finance	NOUN
aijbe-441	294	31	and	and	CCONJ
aijbe-441	294	32	business	business	NOUN
aijbe-441	294	33	policy	policy	NOUN
aijbe-441	294	34	,	,	PUNCT
aijbe-441	294	35	4(1	4(1	NOUN
aijbe-441	294	36	)	)	PUNCT
aijbe-441	294	37	,	,	PUNCT
aijbe-441	294	38	10	10	NUM
aijbe-441	294	39	-	-	SYM
aijbe-441	294	40	27	27	NUM
aijbe-441	294	41	deekor	deekor	NOUN
aijbe-441	294	42	,	,	PUNCT
aijbe-441	294	43	l.	l.	PROPN
aijbe-441	294	44	n	n	PROPN
aijbe-441	294	45	(	(	PUNCT
aijbe-441	294	46	2021).electronic	2021).electronic	NUM
aijbe-441	294	47	banking	banking	NOUN
aijbe-441	294	48	and	and	CCONJ
aijbe-441	294	49	deposit	deposit	NOUN
aijbe-441	294	50	money	money	NOUN
aijbe-441	294	51	bank	bank	NOUN
aijbe-441	294	52	’s	’s	PART
aijbe-441	294	53	performance	performance	NOUN
aijbe-441	294	54	in	in	ADP
aijbe-441	294	55	nigeria.cross	nigeria.cross	NUM
aijbe-441	294	56	current	current	ADJ
aijbe-441	294	57	international	international	ADJ
aijbe-441	294	58	journal	journal	NOUN
aijbe-441	294	59	of	of	ADP
aijbe-441	294	60	economics	economic	NOUN
aijbe-441	294	61	,	,	PUNCT
aijbe-441	294	62	management	management	NOUN
aijbe-441	294	63	and	and	CCONJ
aijbe-441	294	64	media	medium	NOUN
aijbe-441	294	65	studies	study	NOUN
aijbe-441	294	66	,	,	PUNCT
aijbe-441	294	67	3(6	3(6	NUM
aijbe-441	294	68	)	)	PUNCT
aijbe-441	294	69	,	,	PUNCT
aijbe-441	294	70	71	71	NUM
aijbe-441	294	71	-	-	SYM
aijbe-441	294	72	81	81	NUM
aijbe-441	294	73	demaki	demaki	NOUN
aijbe-441	294	74	,	,	PUNCT
aijbe-441	294	75	g.o	g.o	PROPN
aijbe-441	294	76	.	.	PROPN
aijbe-441	294	77	eromafuru	eromafuru	PROPN
aijbe-441	294	78	,	,	PUNCT
aijbe-441	294	79	e.	e.	PROPN
aijbe-441	294	80	g.	g.	PROPN
aijbe-441	294	81	&	&	CCONJ
aijbe-441	294	82	festus	festus	PROPN
aijbe-441	294	83	,	,	PUNCT
aijbe-441	294	84	i.	i.	PROPN
aijbe-441	294	85	o	o	PROPN
aijbe-441	294	86	,	,	PUNCT
aijbe-441	294	87	(	(	PUNCT
aijbe-441	294	88	2021	2021	NUM
aijbe-441	294	89	)	)	PUNCT
aijbe-441	294	90	.	.	PUNCT
aijbe-441	295	1	electronic	electronic	ADJ
aijbe-441	295	2	banking	banking	NOUN
aijbe-441	295	3	and	and	CCONJ
aijbe-441	295	4	bank	bank	NOUN
aijbe-441	295	5	performance	performance	NOUN
aijbe-441	295	6	in	in	ADP
aijbe-441	295	7	nigeria	nigeria	PROPN
aijbe-441	295	8	:	:	PUNCT
aijbe-441	295	9	a	a	DET
aijbe-441	295	10	co	co	NOUN
aijbe-441	295	11	-	-	NOUN
aijbe-441	295	12	integration	integration	NOUN
aijbe-441	295	13	and	and	CCONJ
aijbe-441	295	14	error	error	NOUN
aijbe-441	295	15	correction	correction	NOUN
aijbe-441	295	16	model	model	NOUN
aijbe-441	295	17	approach	approach	NOUN
aijbe-441	295	18	.	.	PUNCT
aijbe-441	296	1	journal	journal	PROPN
aijbe-441	296	2	of	of	ADP
aijbe-441	296	3	contemporary	contemporary	ADJ
aijbe-441	296	4	issues	issue	NOUN
aijbe-441	296	5	in	in	ADP
aijbe-441	296	6	accounting,1(1	accounting,1(1	NOUN
aijbe-441	296	7	)	)	PUNCT
aijbe-441	296	8	,	,	PUNCT
aijbe-441	296	9	12	12	NUM
aijbe-441	296	10	-	-	SYM
aijbe-441	296	11	26	26	NUM
aijbe-441	296	12	dzombo	dzombo	NOUN
aijbe-441	296	13	,	,	PUNCT
aijbe-441	296	14	g.	g.	PROPN
aijbe-441	296	15	k	k	PROPN
aijbe-441	296	16	,	,	PUNCT
aijbe-441	296	17	kilika	kilika	PROPN
aijbe-441	296	18	,	,	PUNCT
aijbe-441	296	19	j.	j.	PROPN
aijbe-441	296	20	m.	m.	PROPN
aijbe-441	296	21	&	&	CCONJ
aijbe-441	296	22	maingi	maingi	PROPN
aijbe-441	296	23	,	,	PUNCT
aijbe-441	296	24	j.(2017	j.(2017	NOUN
aijbe-441	296	25	)	)	PUNCT
aijbe-441	296	26	.	.	PUNCT
aijbe-441	297	1	the	the	DET
aijbe-441	297	2	effect	effect	NOUN
aijbe-441	297	3	of	of	ADP
aijbe-441	297	4	branchless	branchless	ADJ
aijbe-441	297	5	banking	banking	NOUN
aijbe-441	297	6	strategy	strategy	NOUN
aijbe-441	297	7	on	on	ADP
aijbe-441	297	8	the	the	DET
aijbe-441	297	9	financial	financial	ADJ
aijbe-441	297	10	performance	performance	NOUN
aijbe-441	297	11	of	of	ADP
aijbe-441	297	12	commercial	commercial	ADJ
aijbe-441	297	13	banks	bank	NOUN
aijbe-441	297	14	in	in	ADP
aijbe-441	297	15	kenya.international	kenya.international	PROPN
aijbe-441	297	16	journal	journal	NOUN
aijbe-441	297	17	of	of	ADP
aijbe-441	297	18	financial	financial	ADJ
aijbe-441	297	19	research,8(4	research,8(4	NOUN
aijbe-441	297	20	)	)	PUNCT
aijbe-441	297	21	,	,	PUNCT
aijbe-441	297	22	167	167	NUM
aijbe-441	297	23	-	-	SYM
aijbe-441	297	24	183	183	NUM
aijbe-441	297	25	ekele	ekele	NOUN
aijbe-441	297	26	,	,	PUNCT
aijbe-441	297	27	j.	j.	PROPN
aijbe-441	297	28	s.	s.	PROPN
aijbe-441	297	29	&	&	CCONJ
aijbe-441	297	30	sunday	sunday	PROPN
aijbe-441	297	31	,	,	PUNCT
aijbe-441	297	32	u.	u.	PROPN
aijbe-441	297	33	i.	i.	PROPN
aijbe-441	297	34	(	(	PUNCT
aijbe-441	297	35	2020).implications	2020).implications	NUM
aijbe-441	297	36	of	of	ADP
aijbe-441	297	37	electronic	electronic	ADJ
aijbe-441	297	38	banking	banking	NOUN
aijbe-441	297	39	on	on	ADP
aijbe-441	297	40	commercial	commercial	ADJ
aijbe-441	297	41	banks	bank	NOUN
aijbe-441	297	42	’	'	PUNCT
aijbe-441	297	43	performance	performance	NOUN
aijbe-441	297	44	in	in	ADP
aijbe-441	297	45	nigeria	nigeria	PROPN
aijbe-441	297	46	(	(	PUNCT
aijbe-441	297	47	2000	2000	NUM
aijbe-441	297	48	-	-	SYM
aijbe-441	297	49	2017	2017	NUM
aijbe-441	297	50	)	)	PUNCT
aijbe-441	297	51	.	.	PUNCT
aijbe-441	298	1	international	international	ADJ
aijbe-441	298	2	journal	journal	PROPN
aijbe-441	298	3	of	of	ADP
aijbe-441	298	4	modern	modern	ADJ
aijbe-441	298	5	management	management	NOUN
aijbe-441	298	6	sciences	science	NOUN
aijbe-441	298	7	,	,	PUNCT
aijbe-441	298	8	8	8	NUM
aijbe-441	298	9	(	(	PUNCT
aijbe-441	298	10	1),42	1),42	NUM
aijbe-441	298	11	-	-	SYM
aijbe-441	298	12	60	60	NUM
aijbe-441	298	13	)	)	PUNCT
aijbe-441	298	14	https://www.cbn.gov.ng/supervision/allfininstitutions.asp	https://www.cbn.gov.ng/supervision/allfininstitutions.asp	PROPN
aijbe-441	299	1	dr	dr	PROPN
aijbe-441	299	2	.	.	PROPN
aijbe-441	300	1	aniebiet	aniebiet	PROPN
aijbe-441	300	2	etuk	etuk	PROPN
aijbe-441	300	3	,	,	PUNCT
aijbe-441	300	4	aniefiok	aniefiok	PROPN
aijbe-441	300	5	okon	okon	PROPN
aijbe-441	300	6	akpan	akpan	PROPN
aijbe-441	300	7	and	and	CCONJ
aijbe-441	300	8	aniekan	aniekan	PROPN
aijbe-441	300	9	eyo	eyo	PROPN
aijbe-441	300	10	awah	awah	PROPN
aijbe-441	300	11	(	(	PUNCT
aijbe-441	300	12	2023	2023	NUM
aijbe-441	300	13	)	)	PUNCT
aijbe-441	300	14	40	40	NUM
aijbe-441	300	15	american	american	ADJ
aijbe-441	300	16	interdisciplinary	interdisciplinary	ADJ
aijbe-441	300	17	journal	journal	NOUN
aijbe-441	300	18	of	of	ADP
aijbe-441	300	19	business	business	NOUN
aijbe-441	300	20	and	and	CCONJ
aijbe-441	300	21	economics	economic	NOUN
aijbe-441	300	22	|	|	ADV
aijbe-441	300	23	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	300	24	enoruwa	enoruwa	PROPN
aijbe-441	300	25	,	,	PUNCT
aijbe-441	300	26	k.	k.	PROPN
aijbe-441	300	27	o	o	X
aijbe-441	300	28	,	,	PUNCT
aijbe-441	300	29	ezuem	ezuem	ADJ
aijbe-441	300	30	,	,	PUNCT
aijbe-441	300	31	d.	d.	PROPN
aijbe-441	300	32	m.	m.	PROPN
aijbe-441	300	33	&	&	CCONJ
aijbe-441	300	34	nwani	nwani	PROPN
aijbe-441	300	35	,	,	PUNCT
aijbe-441	300	36	c.	c.	PROPN
aijbe-441	300	37	o	o	PROPN
aijbe-441	300	38	(	(	PUNCT
aijbe-441	300	39	2019	2019	NUM
aijbe-441	300	40	)	)	PUNCT
aijbe-441	300	41	.	.	PUNCT
aijbe-441	301	1	electronic	electronic	ADJ
aijbe-441	301	2	channels	channel	NOUN
aijbe-441	301	3	and	and	CCONJ
aijbe-441	301	4	bank	bank	NOUN
aijbe-441	301	5	performance	performance	NOUN
aijbe-441	301	6	:	:	PUNCT
aijbe-441	301	7	empirical	empirical	ADJ
aijbe-441	301	8	evidence	evidence	NOUN
aijbe-441	301	9	from	from	ADP
aijbe-441	301	10	nigeria	nigeria	PROPN
aijbe-441	301	11	.	.	PUNCT
aijbe-441	302	1	international	international	ADJ
aijbe-441	302	2	journal	journal	PROPN
aijbe-441	302	3	of	of	ADP
aijbe-441	302	4	economics	economic	NOUN
aijbe-441	302	5	and	and	CCONJ
aijbe-441	302	6	management	management	NOUN
aijbe-441	302	7	studies	study	NOUN
aijbe-441	302	8	,	,	PUNCT
aijbe-441	302	9	6(5	6(5	NUM
aijbe-441	302	10	)	)	PUNCT
aijbe-441	302	11	,	,	PUNCT
aijbe-441	302	12	37	37	NUM
aijbe-441	302	13	-	-	SYM
aijbe-441	302	14	46	46	NUM
aijbe-441	302	15	etuk	etuk	NOUN
aijbe-441	302	16	,	,	PUNCT
aijbe-441	302	17	a.	a.	NOUN
aijbe-441	302	18	(	(	PUNCT
aijbe-441	302	19	2015	2015	NUM
aijbe-441	302	20	)	)	PUNCT
aijbe-441	302	21	is	be	AUX
aijbe-441	302	22	marketing	marketing	NOUN
aijbe-441	302	23	strategies	strategy	NOUN
aijbe-441	302	24	applicable	applicable	ADJ
aijbe-441	302	25	here	here	ADV
aijbe-441	302	26	?	?	PUNCT
aijbe-441	303	1	greener	green	ADJ
aijbe-441	303	2	journal	journal	NOUN
aijbe-441	303	3	of	of	ADP
aijbe-441	303	4	business	business	NOUN
aijbe-441	303	5	and	and	CCONJ
aijbe-441	303	6	management	management	NOUN
aijbe-441	303	7	studies	study	NOUN
aijbe-441	303	8	,	,	PUNCT
aijbe-441	303	9	5	5	NUM
aijbe-441	303	10	(	(	PUNCT
aijbe-441	303	11	2),057	2),057	NOUN
aijbe-441	303	12	-	-	PUNCT
aijbe-441	303	13	061	061	NUM
aijbe-441	303	14	,	,	PUNCT
aijbe-441	303	15	etuk	etuk	PROPN
aijbe-441	303	16	,	,	PUNCT
aijbe-441	303	17	a.	a.	NOUN
aijbe-441	303	18	,	,	PUNCT
aijbe-441	303	19	akpan	akpan	PROPN
aijbe-441	303	20	,	,	PUNCT
aijbe-441	303	21	a.o	a.o	PROPN
aijbe-441	303	22	.	.	PROPN
aijbe-441	303	23	&	&	CCONJ
aijbe-441	303	24	awah	awah	PROPN
aijbe-441	303	25	,	,	PUNCT
aijbe-441	303	26	a.e	a.e	PROPN
aijbe-441	303	27	.	.	PROPN
aijbe-441	303	28	(	(	PUNCT
aijbe-441	303	29	2022	2022	NUM
aijbe-441	303	30	)	)	PUNCT
aijbe-441	303	31	.	.	PUNCT
aijbe-441	304	1	factors	factor	NOUN
aijbe-441	304	2	influencing	influence	VERB
aijbe-441	304	3	adoption	adoption	NOUN
aijbe-441	304	4	of	of	ADP
aijbe-441	304	5	mobile	mobile	ADJ
aijbe-441	304	6	apps	app	NOUN
aijbe-441	304	7	among	among	ADP
aijbe-441	304	8	young	young	ADJ
aijbe-441	304	9	people	people	NOUN
aijbe-441	304	10	in	in	ADP
aijbe-441	304	11	nigeria	nigeria	PROPN
aijbe-441	304	12	.	.	PUNCT
aijbe-441	305	1	a	a	DET
aijbe-441	305	2	study	study	NOUN
aijbe-441	305	3	of	of	ADP
aijbe-441	305	4	university	university	NOUN
aijbe-441	305	5	of	of	ADP
aijbe-441	305	6	uyo	uyo	PROPN
aijbe-441	305	7	students	student	NOUN
aijbe-441	305	8	.	.	PUNCT
aijbe-441	306	1	european	european	ADJ
aijbe-441	306	2	journal	journal	PROPN
aijbe-441	306	3	of	of	ADP
aijbe-441	306	4	business	business	NOUN
aijbe-441	306	5	and	and	CCONJ
aijbe-441	306	6	management	management	NOUN
aijbe-441	306	7	,	,	PUNCT
aijbe-441	306	8	14(3	14(3	NUM
aijbe-441	306	9	)	)	PUNCT
aijbe-441	306	10	,	,	PUNCT
aijbe-441	306	11	65	65	NUM
aijbe-441	306	12	-	-	SYM
aijbe-441	306	13	73	73	NUM
aijbe-441	306	14	.	.	PUNCT
aijbe-441	307	1	etuk	etuk	PROPN
aijbe-441	307	2	,	,	PUNCT
aijbe-441	307	3	a.	a.	PROPN
aijbe-441	307	4	,	,	PUNCT
aijbe-441	307	5	anyadighibe	anyadighibe	ADV
aijbe-441	307	6	,	,	PUNCT
aijbe-441	307	7	j.	j.	PROPN
aijbe-441	307	8	a.	a.	PROPN
aijbe-441	307	9	,	,	PUNCT
aijbe-441	307	10	amadi	amadi	NOUN
aijbe-441	307	11	,	,	PUNCT
aijbe-441	307	12	c.	c.	PROPN
aijbe-441	307	13	&	&	CCONJ
aijbe-441	307	14	james	james	PROPN
aijbe-441	307	15	,	,	PUNCT
aijbe-441	307	16	e.	e.	PROPN
aijbe-441	307	17	e.	e.	PROPN
aijbe-441	307	18	(	(	PUNCT
aijbe-441	307	19	2022	2022	NUM
aijbe-441	307	20	)	)	PUNCT
aijbe-441	307	21	.	.	PUNCT
aijbe-441	308	1	service	service	NOUN
aijbe-441	308	2	quality	quality	NOUN
aijbe-441	308	3	delivery	delivery	NOUN
aijbe-441	308	4	and	and	CCONJ
aijbe-441	308	5	consumers	consumer	NOUN
aijbe-441	308	6	’	'	PUNCT
aijbe-441	308	7	choice	choice	NOUN
aijbe-441	308	8	of	of	ADP
aijbe-441	308	9	fast	fast	ADJ
aijbe-441	308	10	-	-	PUNCT
aijbe-441	308	11	food	food	NOUN
aijbe-441	308	12	outlets	outlet	NOUN
aijbe-441	308	13	.	.	PUNCT
aijbe-441	309	1	international	international	ADJ
aijbe-441	309	2	research	research	PROPN
aijbe-441	309	3	journal	journal	PROPN
aijbe-441	309	4	of	of	ADP
aijbe-441	309	5	management	management	NOUN
aijbe-441	309	6	,	,	PUNCT
aijbe-441	309	7	it	it	PRON
aijbe-441	309	8	&	&	CCONJ
aijbe-441	309	9	social	social	ADJ
aijbe-441	309	10	sciences	sciences	PROPN
aijbe-441	309	11	.	.	PUNCT
aijbe-441	310	1	issn	issn	PROPN
aijbe-441	310	2	:	:	PUNCT
aijbe-441	310	3	23957492	23957492	NUM
aijbe-441	310	4	https://doi.org/10.21744/irjmis.v9n2.2038	https://doi.org/10.21744/irjmis.v9n2.2038	PROPN
aijbe-441	310	5	.	.	PUNCT
aijbe-441	310	6	etuk	etuk	PROPN
aijbe-441	310	7	,	,	PUNCT
aijbe-441	310	8	a.	a.	PROPN
aijbe-441	310	9	,	,	PUNCT
aijbe-441	310	10	anyadighibe	anyadighibe	ADV
aijbe-441	310	11	,	,	PUNCT
aijbe-441	310	12	j.	j.	PROPN
aijbe-441	310	13	a.	a.	PROPN
aijbe-441	310	14	,	,	PUNCT
aijbe-441	310	15	james	james	PROPN
aijbe-441	310	16	,	,	PUNCT
aijbe-441	310	17	e.	e.	PROPN
aijbe-441	310	18	e.	e.	PROPN
aijbe-441	310	19	,	,	PUNCT
aijbe-441	310	20	&	&	CCONJ
aijbe-441	310	21	egemba	egemba	PROPN
aijbe-441	310	22	,	,	PUNCT
aijbe-441	310	23	p.	p.	NOUN
aijbe-441	310	24	m.	m.	NOUN
aijbe-441	310	25	(	(	PUNCT
aijbe-441	310	26	2022	2022	NUM
aijbe-441	310	27	)	)	PUNCT
aijbe-441	310	28	.	.	PUNCT
aijbe-441	311	1	trade	trade	NOUN
aijbe-441	311	2	sales	sale	NOUN
aijbe-441	311	3	promotion	promotion	NOUN
aijbe-441	311	4	and	and	CCONJ
aijbe-441	311	5	distributors	distributor	NOUN
aijbe-441	311	6	’	'	PUNCT
aijbe-441	311	7	performance	performance	NOUN
aijbe-441	311	8	of	of	ADP
aijbe-441	311	9	fast	fast	ADV
aijbe-441	311	10	-	-	PUNCT
aijbe-441	311	11	moving	move	VERB
aijbe-441	311	12	consumer	consumer	NOUN
aijbe-441	311	13	goods	good	NOUN
aijbe-441	311	14	(	(	PUNCT
aijbe-441	311	15	fmcgs	fmcgs	NOUN
aijbe-441	311	16	)	)	PUNCT
aijbe-441	311	17	.	.	PUNCT
aijbe-441	312	1	international	international	ADJ
aijbe-441	312	2	research	research	PROPN
aijbe-441	312	3	journal	journal	PROPN
aijbe-441	312	4	of	of	ADP
aijbe-441	312	5	management	management	NOUN
aijbe-441	312	6	,	,	PUNCT
aijbe-441	312	7	it	it	PRON
aijbe-441	312	8	and	and	CCONJ
aijbe-441	312	9	social	social	ADJ
aijbe-441	312	10	sciences	science	NOUN
aijbe-441	312	11	,	,	PUNCT
aijbe-441	312	12	9(2	9(2	NUM
aijbe-441	312	13	)	)	PUNCT
aijbe-441	312	14	,	,	PUNCT
aijbe-441	312	15	254	254	NUM
aijbe-441	312	16	-	-	SYM
aijbe-441	312	17	263	263	NUM
aijbe-441	312	18	.	.	PUNCT
aijbe-441	313	1	etuk	etuk	PROPN
aijbe-441	313	2	,	,	PUNCT
aijbe-441	313	3	a.	a.	NOUN
aijbe-441	313	4	,	,	PUNCT
aijbe-441	313	5	awah	awah	PROPN
aijbe-441	313	6	,	,	PUNCT
aijbe-441	313	7	a.e	a.e	PROPN
aijbe-441	313	8	.	.	PROPN
aijbe-441	313	9	&	&	CCONJ
aijbe-441	313	10	akpan	akpan	PROPN
aijbe-441	313	11	,	,	PUNCT
aijbe-441	313	12	a.o	a.o	PROPN
aijbe-441	313	13	.	.	PROPN
aijbe-441	313	14	(	(	PUNCT
aijbe-441	313	15	2022	2022	NUM
aijbe-441	313	16	)	)	PUNCT
aijbe-441	313	17	.	.	PUNCT
aijbe-441	314	1	e	e	X
aijbe-441	314	2	-	-	NOUN
aijbe-441	314	3	marketing	marketing	ADJ
aijbe-441	314	4	and	and	CCONJ
aijbe-441	314	5	savings	saving	NOUN
aijbe-441	314	6	mobilization	mobilization	NOUN
aijbe-441	314	7	drive	drive	NOUN
aijbe-441	314	8	of	of	ADP
aijbe-441	314	9	selected	select	VERB
aijbe-441	314	10	microfinance	microfinance	NOUN
aijbe-441	314	11	banks	bank	NOUN
aijbe-441	314	12	in	in	ADP
aijbe-441	314	13	uyo	uyo	PROPN
aijbe-441	314	14	metropolis	metropolis	PROPN
aijbe-441	314	15	,	,	PUNCT
aijbe-441	314	16	akwa	akwa	ADJ
aijbe-441	314	17	ibom	ibom	ADJ
aijbe-441	314	18	state	state	NOUN
aijbe-441	314	19	.	.	PUNCT
aijbe-441	315	1	international	international	ADJ
aijbe-441	315	2	journal	journal	PROPN
aijbe-441	315	3	of	of	ADP
aijbe-441	315	4	business	business	NOUN
aijbe-441	315	5	,	,	PUNCT
aijbe-441	315	6	marketing	marketing	NOUN
aijbe-441	315	7	and	and	CCONJ
aijbe-441	315	8	management	management	NOUN
aijbe-441	315	9	,	,	PUNCT
aijbe-441	315	10	7(3	7(3	NUM
aijbe-441	315	11	)	)	PUNCT
aijbe-441	315	12	1	1	NUM
aijbe-441	315	13	-	-	SYM
aijbe-441	315	14	6	6	NUM
aijbe-441	315	15	etuk	etuk	NOUN
aijbe-441	315	16	,	,	PUNCT
aijbe-441	315	17	a.	a.	PROPN
aijbe-441	315	18	&	&	CCONJ
aijbe-441	315	19	emenyi	emenyi	PROPN
aijbe-441	315	20	e.	e.	PROPN
aijbe-441	315	21	o.	o.	PROPN
aijbe-441	315	22	(	(	PUNCT
aijbe-441	315	23	2022	2022	NUM
aijbe-441	315	24	)	)	PUNCT
aijbe-441	315	25	.	.	PUNCT
aijbe-441	316	1	advertising	advertising	NOUN
aijbe-441	316	2	and	and	CCONJ
aijbe-441	316	3	profitability	profitability	NOUN
aijbe-441	316	4	:	:	PUNCT
aijbe-441	316	5	evidence	evidence	NOUN
aijbe-441	316	6	from	from	ADP
aijbe-441	316	7	selected	select	VERB
aijbe-441	316	8	smes	sme	NOUN
aijbe-441	316	9	in	in	ADP
aijbe-441	316	10	uyo	uyo	PROPN
aijbe-441	316	11	.	.	PUNCT
aijbe-441	317	1	british	british	PROPN
aijbe-441	317	2	journal	journal	PROPN
aijbe-441	317	3	of	of	ADP
aijbe-441	317	4	marketing	marketing	NOUN
aijbe-441	317	5	studies,10	studies,10	NOUN
aijbe-441	317	6	,	,	PUNCT
aijbe-441	317	7	(	(	PUNCT
aijbe-441	317	8	2),1	2),1	NOUN
aijbe-441	317	9	-	-	PUNCT
aijbe-441	317	10	12	12	NUM
aijbe-441	317	11	etuk	etuk	NOUN
aijbe-441	317	12	,	,	PUNCT
aijbe-441	317	13	a.	a.	PROPN
aijbe-441	317	14	,	,	PUNCT
aijbe-441	317	15	joseph	joseph	PROPN
aijbe-441	317	16	a.a	a.a	PROPN
aijbe-441	317	17	.	.	PROPN
aijbe-441	317	18	,	,	PUNCT
aijbe-441	317	19	james	james	PROPN
aijbe-441	317	20	,	,	PUNCT
aijbe-441	317	21	e	e	PROPN
aijbe-441	317	22	,	,	PUNCT
aijbe-441	317	23	e.	e.	PROPN
aijbe-441	317	24	&	&	CCONJ
aijbe-441	317	25	mbaka	mbaka	PROPN
aijbe-441	317	26	,	,	PUNCT
aijbe-441	317	27	r.	r.	PROPN
aijbe-441	317	28	(	(	PUNCT
aijbe-441	317	29	2021	2021	NUM
aijbe-441	317	30	)	)	PUNCT
aijbe-441	317	31	,	,	PUNCT
aijbe-441	317	32	service	service	NOUN
aijbe-441	317	33	quality	quality	NOUN
aijbe-441	317	34	and	and	CCONJ
aijbe-441	317	35	passengers	passenger	NOUN
aijbe-441	317	36	’	'	PUNCT
aijbe-441	317	37	loyalty	loyalty	NOUN
aijbe-441	317	38	of	of	ADP
aijbe-441	317	39	public	public	ADJ
aijbe-441	317	40	transportation	transportation	NOUN
aijbe-441	317	41	companies	company	NOUN
aijbe-441	317	42	.	.	PUNCT
aijbe-441	318	1	british	british	ADJ
aijbe-441	318	2	journal	journal	PROPN
aijbe-441	318	3	of	of	ADP
aijbe-441	318	4	management	management	NOUN
aijbe-441	318	5	and	and	CCONJ
aijbe-441	318	6	marketing	marketing	NOUN
aijbe-441	318	7	studies	study	NOUN
aijbe-441	318	8	4(4	4(4	NUM
aijbe-441	318	9	)	)	PUNCT
aijbe-441	318	10	,	,	PUNCT
aijbe-441	318	11	82	82	NUM
aijbe-441	318	12	-	-	SYM
aijbe-441	318	13	98	98	NUM
aijbe-441	318	14	.	.	PUNCT
aijbe-441	319	1	doi	doi	NOUN
aijbe-441	319	2	:	:	PUNCT
aijbe-441	319	3	10.52589	10.52589	NUM
aijbe-441	319	4	/	/	SYM
aijbe-441	319	5	bjmmslrq7javx	bjmmslrq7javx	PROPN
aijbe-441	319	6	.	.	PUNCT
aijbe-441	320	1	etuk	etuk	PROPN
aijbe-441	320	2	,	,	PUNCT
aijbe-441	320	3	a.	a.	PROPN
aijbe-441	320	4	&	&	CCONJ
aijbe-441	320	5	udonde	udonde	PROPN
aijbe-441	320	6	e.	e.	PROPN
aijbe-441	320	7	u.	u.	PROPN
aijbe-441	320	8	(	(	PUNCT
aijbe-441	320	9	2023	2023	NUM
aijbe-441	320	10	)	)	PUNCT
aijbe-441	320	11	.	.	PUNCT
aijbe-441	321	1	the	the	DET
aijbe-441	321	2	interplay	interplay	NOUN
aijbe-441	321	3	of	of	ADP
aijbe-441	321	4	digital	digital	ADJ
aijbe-441	321	5	marketing	marketing	NOUN
aijbe-441	321	6	dimensions	dimension	NOUN
aijbe-441	321	7	and	and	CCONJ
aijbe-441	321	8	customer	customer	NOUN
aijbe-441	321	9	’s	’s	PART
aijbe-441	321	10	patronage	patronage	NOUN
aijbe-441	321	11	of	of	ADP
aijbe-441	321	12	fast	fast	ADJ
aijbe-441	321	13	-	-	PUNCT
aijbe-441	321	14	food	food	NOUN
aijbe-441	321	15	industries	industry	NOUN
aijbe-441	321	16	in	in	ADP
aijbe-441	321	17	akwa	akwa	ADJ
aijbe-441	321	18	ibom	ibom	ADJ
aijbe-441	321	19	state	state	NOUN
aijbe-441	321	20	,	,	PUNCT
aijbe-441	321	21	nigeria	nigeria	PROPN
aijbe-441	321	22	.	.	PUNCT
aijbe-441	322	1	european	european	PROPN
aijbe-441	322	2	journal	journal	PROPN
aijbe-441	322	3	of	of	ADP
aijbe-441	322	4	business	business	NOUN
aijbe-441	322	5	and	and	CCONJ
aijbe-441	322	6	innovation	innovation	NOUN
aijbe-441	322	7	research,11(3)70	research,11(3)70	PROPN
aijbe-441	322	8	-	-	PUNCT
aijbe-441	322	9	97	97	NUM
aijbe-441	322	10	ezenyilimba	ezenyilimba	NOUN
aijbe-441	322	11	,	,	PUNCT
aijbe-441	322	12	e.	e.	PROPN
aijbe-441	322	13	&	&	CCONJ
aijbe-441	322	14	akpan	akpan	PROPN
aijbe-441	322	15	,	,	PUNCT
aijbe-441	322	16	a.	a.	NOUN
aijbe-441	322	17	o.	o.	NOUN
aijbe-441	322	18	(	(	PUNCT
aijbe-441	322	19	2019	2019	NUM
aijbe-441	322	20	)	)	PUNCT
aijbe-441	322	21	.	.	PUNCT
aijbe-441	323	1	income	income	NOUN
aijbe-441	323	2	and	and	CCONJ
aijbe-441	323	3	buying	buy	VERB
aijbe-441	323	4	behavior	behavior	NOUN
aijbe-441	323	5	of	of	ADP
aijbe-441	323	6	online	online	ADJ
aijbe-441	323	7	shoppers	shopper	NOUN
aijbe-441	323	8	in	in	ADP
aijbe-441	323	9	nigeria	nigeria	PROPN
aijbe-441	323	10	.	.	PUNCT
aijbe-441	324	1	advance	advance	PROPN
aijbe-441	324	2	journal	journal	PROPN
aijbe-441	324	3	of	of	ADP
aijbe-441	324	4	economics	economic	NOUN
aijbe-441	324	5	and	and	CCONJ
aijbe-441	324	6	marketing	marketing	NOUN
aijbe-441	324	7	research	research	NOUN
aijbe-441	324	8	,	,	PUNCT
aijbe-441	324	9	4(3	4(3	NUM
aijbe-441	324	10	)	)	PUNCT
aijbe-441	324	11	.	.	PUNCT
aijbe-441	325	1	gronholdt	gronholdt	PROPN
aijbe-441	325	2	,	,	PUNCT
aijbe-441	325	3	l.	l.	PROPN
aijbe-441	325	4	&	&	CCONJ
aijbe-441	325	5	martensen	martensen	PROPN
aijbe-441	325	6	,	,	PUNCT
aijbe-441	325	7	a.	a.	NOUN
aijbe-441	325	8	(	(	PUNCT
aijbe-441	325	9	2006	2006	NUM
aijbe-441	325	10	)	)	PUNCT
aijbe-441	325	11	.	.	PUNCT
aijbe-441	326	1	key	key	ADJ
aijbe-441	326	2	marketing	marketing	NOUN
aijbe-441	326	3	performance	performance	NOUN
aijbe-441	326	4	measures.the	measures.the	PROPN
aijbe-441	326	5	marketing	marketing	PROPN
aijbe-441	326	6	review,6(3	review,6(3	PROPN
aijbe-441	326	7	)	)	PUNCT
aijbe-441	326	8	,	,	PUNCT
aijbe-441	326	9	243252	243252	NUM
aijbe-441	326	10	.	.	PUNCT
aijbe-441	327	1	hassan	hassan	PROPN
aijbe-441	327	2	,	,	PUNCT
aijbe-441	327	3	s.	s.	PROPN
aijbe-441	327	4	u.	u.	PROPN
aijbe-441	327	5	,	,	PUNCT
aijbe-441	327	6	mamman	mamman	NOUN
aijbe-441	327	7	,	,	PUNCT
aijbe-441	327	8	a	a	PRON
aijbe-441	327	9	,	,	PUNCT
aijbe-441	327	10	&	&	CCONJ
aijbe-441	327	11	farouk	farouk	PROPN
aijbe-441	327	12	,	,	PUNCT
aijbe-441	327	13	m	m	PROPN
aijbe-441	327	14	,	,	PUNCT
aijbe-441	327	15	a.(2013).electronic	a.(2013).electronic	ADJ
aijbe-441	327	16	banking	banking	NOUN
aijbe-441	327	17	products	product	NOUN
aijbe-441	327	18	and	and	CCONJ
aijbe-441	327	19	performance	performance	NOUN
aijbe-441	327	20	of	of	ADP
aijbe-441	327	21	nigerian	nigerian	ADJ
aijbe-441	327	22	deposit	deposit	NOUN
aijbe-441	327	23	money	money	NOUN
aijbe-441	327	24	banks	bank	NOUN
aijbe-441	327	25	.	.	PUNCT
aijbe-441	328	1	american	american	PROPN
aijbe-441	328	2	journal	journal	PROPN
aijbe-441	328	3	of	of	ADP
aijbe-441	328	4	computer	computer	NOUN
aijbe-441	328	5	technology	technology	NOUN
aijbe-441	328	6	and	and	CCONJ
aijbe-441	328	7	application	application	NOUN
aijbe-441	328	8	,	,	PUNCT
aijbe-441	328	9	1	1	NUM
aijbe-441	328	10	(	(	PUNCT
aijbe-441	328	11	10	10	NUM
aijbe-441	328	12	)	)	PUNCT
aijbe-441	328	13	,	,	PUNCT
aijbe-441	328	14	138145	138145	NUM
aijbe-441	328	15	https://doi.org/10.21744/irjmis.v9n2.2038	https://doi.org/10.21744/irjmis.v9n2.2038	PROPN
aijbe-441	328	16	dr	dr	PROPN
aijbe-441	328	17	.	.	PROPN
aijbe-441	328	18	aniebiet	aniebiet	PROPN
aijbe-441	328	19	etuk	etuk	PROPN
aijbe-441	328	20	,	,	PUNCT
aijbe-441	328	21	aniefiok	aniefiok	PROPN
aijbe-441	328	22	okon	okon	PROPN
aijbe-441	328	23	akpan	akpan	PROPN
aijbe-441	328	24	and	and	CCONJ
aijbe-441	328	25	aniekan	aniekan	PROPN
aijbe-441	328	26	eyo	eyo	PROPN
aijbe-441	328	27	awah	awah	PROPN
aijbe-441	328	28	(	(	PUNCT
aijbe-441	328	29	2023	2023	NUM
aijbe-441	328	30	)	)	PUNCT
aijbe-441	328	31	41	41	NUM
aijbe-441	328	32	american	american	ADJ
aijbe-441	328	33	interdisciplinary	interdisciplinary	ADJ
aijbe-441	328	34	journal	journal	NOUN
aijbe-441	328	35	of	of	ADP
aijbe-441	328	36	business	business	NOUN
aijbe-441	328	37	and	and	CCONJ
aijbe-441	328	38	economics	economic	NOUN
aijbe-441	328	39	|	|	ADV
aijbe-441	328	40	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	328	41	israel	israel	PROPN
aijbe-441	328	42	,	,	PUNCT
aijbe-441	328	43	g.d.(2003	g.d.(2003	PROPN
aijbe-441	328	44	)	)	PUNCT
aijbe-441	328	45	.	.	PUNCT
aijbe-441	329	1	determining	determine	VERB
aijbe-441	329	2	sample	sample	NOUN
aijbe-441	329	3	size.institute	size.institute	NUM
aijbe-441	329	4	of	of	ADP
aijbe-441	329	5	food	food	NOUN
aijbe-441	329	6	and	and	CCONJ
aijbe-441	329	7	agricultural	agricultural	ADJ
aijbe-441	329	8	sciences	science	NOUN
aijbe-441	329	9	(	(	PUNCT
aijbe-441	329	10	ifas	ifas	PROPN
aijbe-441	329	11	)	)	PUNCT
aijbe-441	329	12	,	,	PUNCT
aijbe-441	329	13	university	university	NOUN
aijbe-441	329	14	of	of	ADP
aijbe-441	329	15	florida	florida	PROPN
aijbe-441	329	16	.	.	PUNCT
aijbe-441	330	1	peod6	peod6	PROPN
aijbe-441	330	2	jegede	jegede	PROPN
aijbe-441	330	3	,	,	PUNCT
aijbe-441	330	4	c.	c.	PROPN
aijbe-441	330	5	a.	a.	PROPN
aijbe-441	330	6	(	(	PUNCT
aijbe-441	330	7	2014	2014	NUM
aijbe-441	330	8	)	)	PUNCT
aijbe-441	330	9	.	.	PUNCT
aijbe-441	331	1	effects	effect	NOUN
aijbe-441	331	2	of	of	ADP
aijbe-441	331	3	automated	automate	VERB
aijbe-441	331	4	teller	teller	NOUN
aijbe-441	331	5	machine	machine	NOUN
aijbe-441	331	6	on	on	ADP
aijbe-441	331	7	the	the	DET
aijbe-441	331	8	performance	performance	NOUN
aijbe-441	331	9	of	of	ADP
aijbe-441	331	10	nigerian	nigerian	ADJ
aijbe-441	331	11	banks.american	banks.american	NUM
aijbe-441	331	12	journal	journal	NOUN
aijbe-441	331	13	of	of	ADP
aijbe-441	331	14	applied	apply	VERB
aijbe-441	331	15	mathematics	mathematic	NOUN
aijbe-441	331	16	and	and	CCONJ
aijbe-441	331	17	statistics,2(1	statistics,2(1	NUM
aijbe-441	331	18	)	)	PUNCT
aijbe-441	331	19	,	,	PUNCT
aijbe-441	331	20	40	40	NUM
aijbe-441	331	21	-	-	SYM
aijbe-441	331	22	46	46	NUM
aijbe-441	331	23	jimoh	jimoh	ADJ
aijbe-441	331	24	,	,	PUNCT
aijbe-441	331	25	a.	a.	NOUN
aijbe-441	331	26	(	(	PUNCT
aijbe-441	331	27	2019	2019	NUM
aijbe-441	331	28	)	)	PUNCT
aijbe-441	331	29	.	.	PUNCT
aijbe-441	332	1	effect	effect	NOUN
aijbe-441	332	2	of	of	ADP
aijbe-441	332	3	electronic	electronic	ADJ
aijbe-441	332	4	banking	banking	NOUN
aijbe-441	332	5	on	on	ADP
aijbe-441	332	6	the	the	DET
aijbe-441	332	7	profitability	profitability	NOUN
aijbe-441	332	8	of	of	ADP
aijbe-441	332	9	deposit	deposit	NOUN
aijbe-441	332	10	money	money	NOUN
aijbe-441	332	11	banks	bank	NOUN
aijbe-441	332	12	in	in	ADP
aijbe-441	332	13	nigeria	nigeria	PROPN
aijbe-441	332	14	.	.	PUNCT
aijbe-441	333	1	journal	journal	PROPN
aijbe-441	333	2	of	of	ADP
aijbe-441	333	3	advances	advance	NOUN
aijbe-441	333	4	in	in	ADP
aijbe-441	333	5	education	education	NOUN
aijbe-441	333	6	and	and	CCONJ
aijbe-441	333	7	philosophy	philosophy	NOUN
aijbe-441	333	8	,	,	PUNCT
aijbe-441	333	9	3	3	NUM
aijbe-441	333	10	(	(	PUNCT
aijbe-441	333	11	11	11	NUM
aijbe-441	333	12	)	)	PUNCT
aijbe-441	333	13	,	,	PUNCT
aijbe-441	333	14	405	405	NUM
aijbe-441	333	15	-	-	SYM
aijbe-441	333	16	413	413	NUM
aijbe-441	333	17	jimoh	jimoh	ADJ
aijbe-441	333	18	,	,	PUNCT
aijbe-441	333	19	a.	a.	NOUN
aijbe-441	333	20	(	(	PUNCT
aijbe-441	333	21	2019	2019	NUM
aijbe-441	333	22	)	)	PUNCT
aijbe-441	333	23	.	.	PUNCT
aijbe-441	334	1	effect	effect	NOUN
aijbe-441	334	2	of	of	ADP
aijbe-441	334	3	electronic	electronic	ADJ
aijbe-441	334	4	banking	banking	NOUN
aijbe-441	334	5	on	on	ADP
aijbe-441	334	6	the	the	DET
aijbe-441	334	7	profitability	profitability	NOUN
aijbe-441	334	8	of	of	ADP
aijbe-441	334	9	deposit	deposit	NOUN
aijbe-441	334	10	money	money	NOUN
aijbe-441	334	11	banks	bank	NOUN
aijbe-441	334	12	in	in	ADP
aijbe-441	334	13	nigeria.journal	nigeria.journal	NUM
aijbe-441	334	14	of	of	ADP
aijbe-441	334	15	advances	advance	NOUN
aijbe-441	334	16	in	in	ADP
aijbe-441	334	17	education	education	NOUN
aijbe-441	334	18	and	and	CCONJ
aijbe-441	334	19	philosophy	philosophy	NOUN
aijbe-441	334	20	3	3	NUM
aijbe-441	334	21	(	(	PUNCT
aijbe-441	334	22	11	11	NUM
aijbe-441	334	23	)	)	PUNCT
aijbe-441	334	24	,	,	PUNCT
aijbe-441	334	25	450	450	NUM
aijbe-441	334	26	-	-	SYM
aijbe-441	334	27	413	413	NUM
aijbe-441	334	28	kabir	kabir	NOUN
aijbe-441	334	29	,	,	PUNCT
aijbe-441	334	30	n	n	CCONJ
aijbe-441	334	31	,	,	PUNCT
aijbe-441	334	32	kurfi	kurfi	PROPN
aijbe-441	334	33	,	,	PUNCT
aijbe-441	334	34	s.	s.	PROPN
aijbe-441	334	35	a.	a.	PROPN
aijbe-441	334	36	,	,	PUNCT
aijbe-441	334	37	&	&	CCONJ
aijbe-441	334	38	isa	isa	PROPN
aijbe-441	334	39	,	,	PUNCT
aijbe-441	334	40	m.	m.	NOUN
aijbe-441	334	41	a.	a.	NOUN
aijbe-441	334	42	(	(	PUNCT
aijbe-441	334	43	20210.the	20210.the	DET
aijbe-441	334	44	impact	impact	NOUN
aijbe-441	334	45	of	of	ADP
aijbe-441	334	46	electronic	electronic	ADJ
aijbe-441	334	47	banking	banking	NOUN
aijbe-441	334	48	on	on	ADP
aijbe-441	334	49	the	the	DET
aijbe-441	334	50	financial	financial	ADJ
aijbe-441	334	51	performance	performance	NOUN
aijbe-441	334	52	of	of	ADP
aijbe-441	334	53	nigerian	nigerian	ADJ
aijbe-441	334	54	deposit	deposit	NOUN
aijbe-441	334	55	money	money	NOUN
aijbe-441	334	56	banks.journal	banks.journal	PROPN
aijbe-441	334	57	of	of	ADP
aijbe-441	334	58	accounting	accounting	NOUN
aijbe-441	334	59	and	and	CCONJ
aijbe-441	334	60	finance	finance	NOUN
aijbe-441	334	61	research	research	NOUN
aijbe-441	334	62	,	,	PUNCT
aijbe-441	334	63	1(1	1(1	NUM
aijbe-441	334	64	)	)	PUNCT
aijbe-441	334	65	19	19	NUM
aijbe-441	334	66	-	-	SYM
aijbe-441	334	67	39	39	NUM
aijbe-441	334	68	kapoor	kapoor	NOUN
aijbe-441	334	69	,	,	PUNCT
aijbe-441	334	70	s.(2010	s.(2010	PROPN
aijbe-441	334	71	)	)	PUNCT
aijbe-441	334	72	,	,	PUNCT
aijbe-441	334	73	succeeding	succeed	VERB
aijbe-441	334	74	in	in	ADP
aijbe-441	334	75	uk	uk	PROPN
aijbe-441	334	76	with	with	ADP
aijbe-441	334	77	the	the	DET
aijbe-441	334	78	bank	bank	NOUN
aijbe-441	334	79	–	–	PUNCT
aijbe-441	334	80	focused	focus	VERB
aijbe-441	334	81	model	model	NOUN
aijbe-441	334	82	of	of	ADP
aijbe-441	334	83	mobile	mobile	ADJ
aijbe-441	334	84	banking	banking	NOUN
aijbe-441	334	85	.	.	PUNCT
aijbe-441	335	1	finale	finale	NOUN
aijbe-441	335	2	whiteboard	whiteboard	PROPN
aijbe-441	335	3	.	.	PUNCT
aijbe-441	336	1	retrieved	retrieve	VERB
aijbe-441	336	2	from	from	ADP
aijbe-441	336	3	http://www.intosublogs.com/finacle/2010/03/succeeding	http://www.intosublogs.com/finacle/2010/03/succeede	VERB
aijbe-441	336	4	_	_	PUNCT
aijbe-441	336	5	withthe	withthe	ADJ
aijbe-441	336	6	bankfocus.html	bankfocus.html	PROPN
aijbe-441	336	7	mapharing	mapharing	NOUN
aijbe-441	336	8	,	,	PUNCT
aijbe-441	336	9	m.	m.	NOUN
aijbe-441	336	10	&	&	CCONJ
aijbe-441	336	11	basuhi	basuhi	PROPN
aijbe-441	336	12	,	,	PUNCT
aijbe-441	336	13	e.	e.	PROPN
aijbe-441	336	14	(	(	PUNCT
aijbe-441	336	15	2017	2017	NUM
aijbe-441	336	16	)	)	PUNCT
aijbe-441	336	17	.	.	PUNCT
aijbe-441	337	1	electronic	electronic	ADJ
aijbe-441	337	2	banking	banking	NOUN
aijbe-441	337	3	and	and	CCONJ
aijbe-441	337	4	bank	bank	NOUN
aijbe-441	337	5	performance	performance	NOUN
aijbe-441	337	6	:	:	PUNCT
aijbe-441	337	7	botswana	botswana	PROPN
aijbe-441	337	8	context	context	PROPN
aijbe-441	337	9	.	.	PUNCT
aijbe-441	338	1	journal	journal	NOUN
aijbe-441	338	2	of	of	ADP
aijbe-441	338	3	accounting	accounting	NOUN
aijbe-441	338	4	,	,	PUNCT
aijbe-441	338	5	business	business	NOUN
aijbe-441	338	6	and	and	CCONJ
aijbe-441	338	7	finance	finance	NOUN
aijbe-441	338	8	research	research	NOUN
aijbe-441	338	9	1	1	NUM
aijbe-441	338	10	(	(	PUNCT
aijbe-441	338	11	1	1	NUM
aijbe-441	338	12	)	)	PUNCT
aijbe-441	338	13	,	,	PUNCT
aijbe-441	338	14	84	84	NUM
aijbe-441	338	15	-	-	SYM
aijbe-441	338	16	93	93	NUM
aijbe-441	338	17	mark	mark	NOUN
aijbe-441	338	18	,	,	PUNCT
aijbe-441	338	19	r.m	r.m	PROPN
aijbe-441	338	20	.	.	PROPN
aijbe-441	338	21	,	,	PUNCT
aijbe-441	338	22	affiah	affiah	PROPN
aijbe-441	338	23	,	,	PUNCT
aijbe-441	338	24	e.a	e.a	PROPN
aijbe-441	338	25	.	.	PROPN
aijbe-441	338	26	&	&	CCONJ
aijbe-441	338	27	akpan	akpan	PROPN
aijbe-441	338	28	,	,	PUNCT
aijbe-441	338	29	a.o	a.o	PROPN
aijbe-441	338	30	.	.	PROPN
aijbe-441	338	31	(	(	PUNCT
aijbe-441	338	32	2022	2022	NUM
aijbe-441	338	33	)	)	PUNCT
aijbe-441	338	34	.	.	PUNCT
aijbe-441	339	1	effect	effect	NOUN
aijbe-441	339	2	of	of	ADP
aijbe-441	339	3	sales	sale	NOUN
aijbe-441	339	4	follow	follow	NOUN
aijbe-441	339	5	-	-	PUNCT
aijbe-441	339	6	up	up	NOUN
aijbe-441	339	7	strategies	strategy	NOUN
aijbe-441	339	8	on	on	ADP
aijbe-441	339	9	market	market	NOUN
aijbe-441	339	10	share	share	NOUN
aijbe-441	339	11	of	of	ADP
aijbe-441	339	12	selected	select	VERB
aijbe-441	339	13	money	money	NOUN
aijbe-441	339	14	deposit	deposit	NOUN
aijbe-441	339	15	banks	bank	NOUN
aijbe-441	339	16	in	in	ADP
aijbe-441	339	17	uyo	uyo	NOUN
aijbe-441	339	18	,	,	PUNCT
aijbe-441	339	19	akwa	akwa	ADJ
aijbe-441	339	20	ibom	ibom	ADJ
aijbe-441	339	21	state	state	NOUN
aijbe-441	339	22	.	.	PUNCT
aijbe-441	340	1	european	european	PROPN
aijbe-441	340	2	journal	journal	PROPN
aijbe-441	340	3	of	of	ADP
aijbe-441	340	4	marketing	marketing	NOUN
aijbe-441	340	5	and	and	CCONJ
aijbe-441	340	6	management	management	NOUN
aijbe-441	340	7	science	science	NOUN
aijbe-441	340	8	,	,	PUNCT
aijbe-441	340	9	5(6	5(6	NUM
aijbe-441	340	10	)	)	PUNCT
aijbe-441	340	11	.	.	PUNCT
aijbe-441	341	1	mbah	mbah	PROPN
aijbe-441	341	2	,	,	PUNCT
aijbe-441	341	3	c.c	c.c	PROPN
aijbe-441	341	4	.	.	PROPN
aijbe-441	341	5	,	,	PUNCT
aijbe-441	341	6	odike	odike	NOUN
aijbe-441	341	7	,	,	PUNCT
aijbe-441	341	8	m.	m.	NOUN
aijbe-441	341	9	,	,	PUNCT
aijbe-441	341	10	&	&	CCONJ
aijbe-441	341	11	akpan	akpan	PROPN
aijbe-441	341	12	,	,	PUNCT
aijbe-441	341	13	a.o	a.o	PROPN
aijbe-441	341	14	.	.	PROPN
aijbe-441	341	15	(	(	PUNCT
aijbe-441	341	16	2019	2019	NUM
aijbe-441	341	17	)	)	PUNCT
aijbe-441	341	18	.	.	PUNCT
aijbe-441	342	1	effect	effect	NOUN
aijbe-441	342	2	of	of	ADP
aijbe-441	342	3	education	education	NOUN
aijbe-441	342	4	on	on	ADP
aijbe-441	342	5	online	online	ADJ
aijbe-441	342	6	shopping	shopping	NOUN
aijbe-441	342	7	behaviour	behaviour	NOUN
aijbe-441	342	8	in	in	ADP
aijbe-441	342	9	nigeria	nigeria	PROPN
aijbe-441	342	10	.	.	PUNCT
aijbe-441	343	1	advance	advance	PROPN
aijbe-441	343	2	journal	journal	PROPN
aijbe-441	343	3	of	of	ADP
aijbe-441	343	4	economics	economic	NOUN
aijbe-441	343	5	and	and	CCONJ
aijbe-441	343	6	marketing	marketing	NOUN
aijbe-441	343	7	research	research	NOUN
aijbe-441	343	8	,	,	PUNCT
aijbe-441	343	9	4(4	4(4	NUM
aijbe-441	343	10	)	)	PUNCT
aijbe-441	343	11	.	.	PUNCT
aijbe-441	344	1	mwando	mwando	PROPN
aijbe-441	344	2	,	,	PUNCT
aijbe-441	344	3	s.(2013).contribution	s.(2013).contribution	PROPN
aijbe-441	344	4	of	of	ADP
aijbe-441	344	5	agency	agency	NOUN
aijbe-441	344	6	banking	banking	NOUN
aijbe-441	344	7	on	on	ADP
aijbe-441	344	8	financial	financial	ADJ
aijbe-441	344	9	performance	performance	NOUN
aijbe-441	344	10	of	of	ADP
aijbe-441	344	11	commercial	commercial	ADJ
aijbe-441	344	12	banks	bank	NOUN
aijbe-441	344	13	in	in	ADP
aijbe-441	344	14	keya	keya	PROPN
aijbe-441	344	15	.	.	PUNCT
aijbe-441	345	1	journal	journal	PROPN
aijbe-441	345	2	of	of	ADP
aijbe-441	345	3	economics	economic	NOUN
aijbe-441	345	4	and	and	CCONJ
aijbe-441	345	5	sustainable	sustainable	ADJ
aijbe-441	345	6	development	development	NOUN
aijbe-441	345	7	,	,	PUNCT
aijbe-441	345	8	4(20	4(20	NUM
aijbe-441	345	9	)	)	PUNCT
aijbe-441	345	10	,	,	PUNCT
aijbe-441	345	11	26	26	NUM
aijbe-441	345	12	-	-	SYM
aijbe-441	345	13	34	34	NUM
aijbe-441	345	14	ndunga	ndunga	NOUN
aijbe-441	345	15	,	,	PUNCT
aijbe-441	345	16	r.m	r.m	PROPN
aijbe-441	345	17	,	,	PUNCT
aijbe-441	345	18	njati	njati	PROPN
aijbe-441	345	19	,	,	PUNCT
aijbe-441	345	20	i.	i.	PROPN
aijbe-441	345	21	c	c	PROPN
aijbe-441	345	22	,	,	PUNCT
aijbe-441	345	23	&	&	CCONJ
aijbe-441	345	24	rukangu	rukangu	PROPN
aijbe-441	345	25	,	,	PUNCT
aijbe-441	345	26	s	s	X
aijbe-441	345	27	(	(	PUNCT
aijbe-441	345	28	2016	2016	NUM
aijbe-441	345	29	)	)	PUNCT
aijbe-441	345	30	.	.	PUNCT
aijbe-441	346	1	influence	influence	NOUN
aijbe-441	346	2	of	of	ADP
aijbe-441	346	3	technological	technological	ADJ
aijbe-441	346	4	innovation	innovation	NOUN
aijbe-441	346	5	on	on	ADP
aijbe-441	346	6	bank	bank	NOUN
aijbe-441	346	7	performance	performance	NOUN
aijbe-441	346	8	in	in	ADP
aijbe-441	346	9	meru	meru	PROPN
aijbe-441	346	10	town	town	PROPN
aijbe-441	346	11	,	,	PUNCT
aijbe-441	346	12	kenya	kenya	PROPN
aijbe-441	346	13	.	.	PUNCT
aijbe-441	347	1	international	international	ADJ
aijbe-441	347	2	journal	journal	PROPN
aijbe-441	347	3	of	of	ADP
aijbe-441	347	4	economics	economic	NOUN
aijbe-441	347	5	,	,	PUNCT
aijbe-441	347	6	commerce	commerce	NOUN
aijbe-441	347	7	and	and	CCONJ
aijbe-441	347	8	management,4	management,4	ADJ
aijbe-441	347	9	(	(	PUNCT
aijbe-441	347	10	11	11	NUM
aijbe-441	347	11	)	)	PUNCT
aijbe-441	347	12	.	.	PUNCT
aijbe-441	348	1	1	1	NUM
aijbe-441	348	2	-	-	SYM
aijbe-441	348	3	15	15	NUM
aijbe-441	348	4	ogutu	ogutu	NOUN
aijbe-441	348	5	,	,	PUNCT
aijbe-441	348	6	m.	m.	NOUN
aijbe-441	348	7	&	&	CCONJ
aijbe-441	348	8	fatoki	fatoki	PROPN
aijbe-441	348	9	,	,	PUNCT
aijbe-441	348	10	o.	o.	NOUN
aijbe-441	348	11	i.(2019	i.(2019	PROPN
aijbe-441	348	12	)	)	PUNCT
aijbe-441	348	13	.	.	PUNCT
aijbe-441	349	1	effect	effect	NOUN
aijbe-441	349	2	of	of	ADP
aijbe-441	349	3	e	e	NOUN
aijbe-441	349	4	-	-	NOUN
aijbe-441	349	5	banking	banking	NOUN
aijbe-441	349	6	on	on	ADP
aijbe-441	349	7	financial	financial	ADJ
aijbe-441	349	8	performance	performance	NOUN
aijbe-441	349	9	of	of	ADP
aijbe-441	349	10	listed	list	VERB
aijbe-441	349	11	commercial	commercial	ADJ
aijbe-441	349	12	banks	bank	NOUN
aijbe-441	349	13	in	in	ADP
aijbe-441	349	14	kenya.global	kenya.global	ADJ
aijbe-441	349	15	scientific	scientific	ADJ
aijbe-441	349	16	journals	journal	NOUN
aijbe-441	349	17	,	,	PUNCT
aijbe-441	349	18	7(1	7(1	NUM
aijbe-441	349	19	)	)	PUNCT
aijbe-441	349	20	,	,	PUNCT
aijbe-441	349	21	722	722	NUM
aijbe-441	349	22	-	-	SYM
aijbe-441	349	23	738	738	NUM
aijbe-441	349	24	.	.	PUNCT
aijbe-441	350	1	ojokuku	ojokuku	PROPN
aijbe-441	350	2	,	,	PUNCT
aijbe-441	350	3	r.m	r.m	PROPN
aijbe-441	350	4	.	.	PROPN
aijbe-441	350	5	&	&	CCONJ
aijbe-441	350	6	sajuyigbe	sajuyigbe	PROPN
aijbe-441	350	7	,	,	PUNCT
aijbe-441	350	8	a.s.(2012	a.s.(2012	NOUN
aijbe-441	350	9	)	)	PUNCT
aijbe-441	350	10	.	.	PUNCT
aijbe-441	351	1	the	the	DET
aijbe-441	351	2	impact	impact	NOUN
aijbe-441	351	3	of	of	ADP
aijbe-441	351	4	electronic	electronic	ADJ
aijbe-441	351	5	banking	banking	NOUN
aijbe-441	351	6	on	on	ADP
aijbe-441	351	7	human	human	ADJ
aijbe-441	351	8	resources	resource	NOUN
aijbe-441	351	9	performance	performance	NOUN
aijbe-441	351	10	in	in	ADP
aijbe-441	351	11	the	the	DET
aijbe-441	351	12	nigerian	nigerian	ADJ
aijbe-441	351	13	banking	banking	NOUN
aijbe-441	351	14	industry.international	industry.international	PROPN
aijbe-441	351	15	journal	journal	NOUN
aijbe-441	351	16	of	of	ADP
aijbe-441	351	17	economic	economic	ADJ
aijbe-441	351	18	development	development	NOUN
aijbe-441	351	19	research	research	NOUN
aijbe-441	351	20	and	and	CCONJ
aijbe-441	351	21	investment,3(2	investment,3(2	NOUN
aijbe-441	351	22	)	)	PUNCT
aijbe-441	351	23	,	,	PUNCT
aijbe-441	351	24	61	61	NUM
aijbe-441	351	25	-	-	SYM
aijbe-441	351	26	68	68	NUM
aijbe-441	351	27	http://www.intosublogs.com/finacle/2010/03/succeeding	http://www.intosublogs.com/finacle/2010/03/succeede	VERB
aijbe-441	351	28	dr	dr	PROPN
aijbe-441	351	29	.	.	PROPN
aijbe-441	351	30	aniebiet	aniebiet	PROPN
aijbe-441	351	31	etuk	etuk	PROPN
aijbe-441	351	32	,	,	PUNCT
aijbe-441	351	33	aniefiok	aniefiok	PROPN
aijbe-441	351	34	okon	okon	PROPN
aijbe-441	351	35	akpan	akpan	PROPN
aijbe-441	351	36	and	and	CCONJ
aijbe-441	351	37	aniekan	aniekan	PROPN
aijbe-441	351	38	eyo	eyo	PROPN
aijbe-441	351	39	awah	awah	PROPN
aijbe-441	351	40	(	(	PUNCT
aijbe-441	351	41	2023	2023	NUM
aijbe-441	351	42	)	)	PUNCT
aijbe-441	351	43	42	42	NUM
aijbe-441	351	44	american	american	ADJ
aijbe-441	351	45	interdisciplinary	interdisciplinary	ADJ
aijbe-441	351	46	journal	journal	NOUN
aijbe-441	351	47	of	of	ADP
aijbe-441	351	48	business	business	NOUN
aijbe-441	351	49	and	and	CCONJ
aijbe-441	351	50	economics	economic	NOUN
aijbe-441	351	51	|	|	ADV
aijbe-441	351	52	https://sadijournals.org/index.php/aijbe	https://sadijournals.org/index.php/aijbe	VERB
aijbe-441	351	53	rad	rad	PROPN
aijbe-441	351	54	,	,	PUNCT
aijbe-441	351	55	h.s	h.s	PROPN
aijbe-441	351	56	,	,	PUNCT
aijbe-441	351	57	rasoulian	rasoulian	ADJ
aijbe-441	351	58	,	,	PUNCT
aijbe-441	351	59	a.	a.	NOUN
aijbe-441	351	60	mirzael	mirzael	PROPN
aijbe-441	351	61	,	,	PUNCT
aijbe-441	351	62	m	m	PROPN
aijbe-441	351	63	&	&	CCONJ
aijbe-441	351	64	sharifipour	sharifipour	PROPN
aijbe-441	351	65	,	,	PUNCT
aijbe-441	351	66	a.(2017	a.(2017	PROPN
aijbe-441	351	67	)	)	PUNCT
aijbe-441	351	68	.	.	PUNCT
aijbe-441	352	1	electronic	electronic	ADJ
aijbe-441	352	2	banking	banking	NOUN
aijbe-441	352	3	:	:	PUNCT
aijbe-441	352	4	a	a	DET
aijbe-441	352	5	new	new	ADJ
aijbe-441	352	6	strategic	strategic	NOUN
aijbe-441	352	7	to	to	PART
aijbe-441	352	8	create	create	VERB
aijbe-441	352	9	customer	customer	NOUN
aijbe-441	352	10	’s	’s	PART
aijbe-441	352	11	loyalty	loyalty	NOUN
aijbe-441	352	12	to	to	ADP
aijbe-441	352	13	investment	investment	NOUN
aijbe-441	352	14	and	and	CCONJ
aijbe-441	352	15	its	its	PRON
aijbe-441	352	16	impact	impact	NOUN
aijbe-441	352	17	on	on	ADP
aijbe-441	352	18	economic	economic	ADJ
aijbe-441	352	19	initiatives	initiative	NOUN
aijbe-441	352	20	.	.	PUNCT
aijbe-441	353	1	international	international	ADJ
aijbe-441	353	2	journal	journal	PROPN
aijbe-441	353	3	of	of	ADP
aijbe-441	353	4	management	management	NOUN
aijbe-441	353	5	,	,	PUNCT
aijbe-441	353	6	accounting	accounting	NOUN
aijbe-441	353	7	and	and	CCONJ
aijbe-441	353	8	economics	economic	NOUN
aijbe-441	353	9	,	,	PUNCT
aijbe-441	353	10	4(4	4(4	NUM
aijbe-441	353	11	)	)	PUNCT
aijbe-441	353	12	,	,	PUNCT
aijbe-441	353	13	431	431	NUM
aijbe-441	353	14	-	-	SYM
aijbe-441	353	15	442	442	NUM
aijbe-441	353	16	siyambola	siyambola	NOUN
aijbe-441	353	17	,	,	PUNCT
aijbe-441	353	18	t.	t.	PROPN
aijbe-441	353	19	t.	t.	PROPN
aijbe-441	353	20	(	(	PUNCT
aijbe-441	353	21	2013	2013	NUM
aijbe-441	353	22	)	)	PUNCT
aijbe-441	353	23	.	.	PUNCT
aijbe-441	354	1	the	the	DET
aijbe-441	354	2	influence	influence	NOUN
aijbe-441	354	3	of	of	ADP
aijbe-441	354	4	cashless	cashless	NOUN
aijbe-441	354	5	banking	banking	NOUN
aijbe-441	354	6	on	on	ADP
aijbe-441	354	7	nigerian	nigerian	ADJ
aijbe-441	354	8	economy	economy	NOUN
aijbe-441	354	9	.	.	PUNCT
aijbe-441	355	1	e	e	X
aijbe-441	355	2	-	-	ADJ
aijbe-441	355	3	canadian	canadian	ADJ
aijbe-441	355	4	journal	journal	NOUN
aijbe-441	355	5	of	of	ADP
aijbe-441	355	6	accounting	accounting	NOUN
aijbe-441	355	7	and	and	CCONJ
aijbe-441	355	8	finance	finance	NOUN
aijbe-441	355	9	,	,	PUNCT
aijbe-441	355	10	1(2),0	1(2),0	NUM
aijbe-441	355	11	-	-	SYM
aijbe-441	355	12	19	19	NUM
aijbe-441	355	13	udonde	udonde	NOUN
aijbe-441	355	14	,	,	PUNCT
aijbe-441	355	15	u.e	u.e	PROPN
aijbe-441	355	16	.	.	PROPN
aijbe-441	355	17	,	,	PUNCT
aijbe-441	355	18	akpan	akpan	PROPN
aijbe-441	355	19	,	,	PUNCT
aijbe-441	355	20	a.o	a.o	PROPN
aijbe-441	355	21	.	.	PROPN
aijbe-441	355	22	&	&	CCONJ
aijbe-441	355	23	awah	awah	PROPN
aijbe-441	355	24	,	,	PUNCT
aijbe-441	355	25	a.e	a.e	PROPN
aijbe-441	355	26	.	.	PROPN
aijbe-441	355	27	(	(	PUNCT
aijbe-441	355	28	2022	2022	NUM
aijbe-441	355	29	)	)	PUNCT
aijbe-441	355	30	.	.	PUNCT
aijbe-441	356	1	internal	internal	ADJ
aijbe-441	356	2	marketing	marketing	NOUN
aijbe-441	356	3	and	and	CCONJ
aijbe-441	356	4	employee	employee	NOUN
aijbe-441	356	5	performance	performance	NOUN
aijbe-441	356	6	in	in	ADP
aijbe-441	356	7	insurance	insurance	NOUN
aijbe-441	356	8	industry	industry	NOUN
aijbe-441	356	9	in	in	ADP
aijbe-441	356	10	nigeria	nigeria	PROPN
aijbe-441	356	11	.	.	PUNCT
aijbe-441	357	1	british	british	PROPN
aijbe-441	357	2	international	international	PROPN
aijbe-441	357	3	journal	journal	PROPN
aijbe-441	357	4	of	of	ADP
aijbe-441	357	5	business	business	NOUN
aijbe-441	357	6	and	and	CCONJ
aijbe-441	357	7	marketing	marketing	NOUN
aijbe-441	357	8	research	research	NOUN
aijbe-441	357	9	,	,	PUNCT
aijbe-441	357	10	5(1	5(1	NUM
aijbe-441	357	11	)	)	PUNCT
aijbe-441	357	12	.	.	PUNCT
aijbe-441	358	1	uford	uford	PROPN
aijbe-441	358	2	,	,	PUNCT
aijbe-441	358	3	i.	i.	PROPN
aijbe-441	358	4	c.	c.	PROPN
aijbe-441	358	5	&	&	CCONJ
aijbe-441	358	6	mfon	mfon	PROPN
aijbe-441	358	7	,	,	PUNCT
aijbe-441	358	8	a.	a.	PROPN
aijbe-441	358	9	a.	a.	PROPN
aijbe-441	358	10	&	&	CCONJ
aijbe-441	358	11	charles	charles	PROPN
aijbe-441	358	12	,	,	PUNCT
aijbe-441	358	13	i.	i.	PROPN
aijbe-441	358	14	i.	i.	PROPN
aijbe-441	358	15	(	(	PUNCT
aijbe-441	358	16	2023	2023	NUM
aijbe-441	358	17	)	)	PUNCT
aijbe-441	358	18	.	.	PUNCT
aijbe-441	359	1	review	review	NOUN
aijbe-441	359	2	of	of	ADP
aijbe-441	359	3	covid-19	covid-19	PROPN
aijbe-441	359	4	crisis	crisis	NOUN
aijbe-441	359	5	and	and	CCONJ
aijbe-441	359	6	telework	telework	NOUN
aijbe-441	359	7	:	:	PUNCT
aijbe-441	359	8	measuring	measure	VERB
aijbe-441	359	9	the	the	DET
aijbe-441	359	10	performance	performance	NOUN
aijbe-441	359	11	of	of	ADP
aijbe-441	359	12	banks	bank	NOUN
aijbe-441	359	13	’	’	PART
aijbe-441	359	14	marketers	marketer	NOUN
aijbe-441	359	15	in	in	ADP
aijbe-441	359	16	akwa	akwa	ADJ
aijbe-441	359	17	ibom	ibom	ADJ
aijbe-441	359	18	state	state	NOUN
aijbe-441	359	19	,	,	PUNCT
aijbe-441	359	20	nigeria	nigeria	PROPN
aijbe-441	359	21	.	.	PUNCT
aijbe-441	360	1	european	european	PROPN
aijbe-441	360	2	journal	journal	PROPN
aijbe-441	360	3	of	of	ADP
aijbe-441	360	4	management	management	NOUN
aijbe-441	360	5	and	and	CCONJ
aijbe-441	360	6	marketing	marketing	NOUN
aijbe-441	360	7	studies	study	NOUN
aijbe-441	360	8	,	,	PUNCT
aijbe-441	360	9	8(2	8(2	NUM
aijbe-441	360	10	)	)	PUNCT
aijbe-441	360	11	,	,	PUNCT
aijbe-441	360	12	136	136	NUM
aijbe-441	360	13	-	-	SYM
aijbe-441	360	14	157	157	NUM
aijbe-441	360	15	wrike	wrike	NOUN
aijbe-441	360	16	(	(	PUNCT
aijbe-441	360	17	2022	2022	NUM
aijbe-441	360	18	)	)	PUNCT
aijbe-441	360	19	.	.	PUNCT
aijbe-441	361	1	what	what	PRON
aijbe-441	361	2	is	be	AUX
aijbe-441	361	3	marketing	marketing	NOUN
aijbe-441	361	4	performance	performance	NOUN
aijbe-441	361	5	,	,	PUNCT
aijbe-441	361	6	retrieved	retrieve	VERB
aijbe-441	361	7	from	from	ADP
aijbe-441	361	8	https:/www.wrike.com	https:/www.wrike.com	PROPN
aijbe-441	361	9	/	/	SYM
aijbe-441	361	10	marketing	marketing	NOUN
aijbe-441	361	11	–	–	PUNCT
aijbe-441	361	12	guide	guide	NOUN
aijbe-441	361	13	/	/	SYM
aijbe-441	361	14	faq	faq	NOUN
aijbe-441	361	15	/	/	SYM
aijbe-441	361	16	whatis	whatis	NOUN
aijbe-441	361	17	–	–	PUNCT
aijbe-441	361	18	marketingperformance/	marketingperformance/	NUM