id	sid	tid	token	lemma	pos
ajbmeb-393	1	1	american	american	PROPN
ajbmeb-393	1	2	journal	journal	PROPN
ajbmeb-393	1	3	of	of	ADP
ajbmeb-393	1	4	business	business	NOUN
ajbmeb-393	1	5	management	management	NOUN
ajbmeb-393	1	6	,	,	PUNCT
ajbmeb-393	1	7	economics	economic	NOUN
ajbmeb-393	1	8	and	and	CCONJ
ajbmeb-393	1	9	banking	banking	NOUN
ajbmeb-393	1	10	issn	issn	PROPN
ajbmeb-393	1	11	(	(	PUNCT
ajbmeb-393	1	12	e	e	NOUN
ajbmeb-393	1	13	):	):	PUNCT
ajbmeb-393	1	14	2832	2832	NUM
ajbmeb-393	1	15	-	-	SYM
ajbmeb-393	1	16	8078	8078	NUM
ajbmeb-393	1	17	volume	volume	NOUN
ajbmeb-393	1	18	9	9	NUM
ajbmeb-393	1	19	,	,	PUNCT
ajbmeb-393	1	20	|	|	ADV
ajbmeb-393	1	21	feb	feb	PROPN
ajbmeb-393	1	22	.	.	PROPN
ajbmeb-393	1	23	,	,	PUNCT
ajbmeb-393	1	24	2023	2023	NUM
ajbmeb-393	1	25	p	p	NOUN
ajbmeb-393	1	26	a	a	DET
ajbmeb-393	1	27	g	g	NOUN
ajbmeb-393	1	28	e	e	NOUN
ajbmeb-393	1	29	|	|	ADV
ajbmeb-393	1	30	11	11	NUM
ajbmeb-393	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	1	32	the	the	DET
ajbmeb-393	1	33	impact	impact	NOUN
ajbmeb-393	1	34	of	of	ADP
ajbmeb-393	1	35	financial	financial	ADJ
ajbmeb-393	1	36	technology	technology	NOUN
ajbmeb-393	1	37	on	on	ADP
ajbmeb-393	1	38	the	the	DET
ajbmeb-393	1	39	financial	financial	ADJ
ajbmeb-393	1	40	quality	quality	NOUN
ajbmeb-393	1	41	enhancing	enhancing	NOUN
ajbmeb-393	1	42	of	of	ADP
ajbmeb-393	1	43	banking	bank	VERB
ajbmeb-393	1	44	electronic	electronic	ADJ
ajbmeb-393	1	45	services	service	NOUN
ajbmeb-393	1	46	in	in	ADP
ajbmeb-393	1	47	jordanian	jordanian	ADJ
ajbmeb-393	1	48	commercial	commercial	ADJ
ajbmeb-393	1	49	banks	bank	NOUN
ajbmeb-393	1	50	safa’a	safa’a	PROPN
ajbmeb-393	2	1	mustafa	mustafa	PROPN
ajbmeb-393	2	2	jaber	jaber	PROPN
ajbmeb-393	2	3	faculty	faculty	PROPN
ajbmeb-393	2	4	of	of	ADP
ajbmeb-393	2	5	business	business	NOUN
ajbmeb-393	2	6	,	,	PUNCT
ajbmeb-393	2	7	amman	amman	PROPN
ajbmeb-393	2	8	arab	arab	PROPN
ajbmeb-393	2	9	university	university	PROPN
ajbmeb-393	2	10	,	,	PUNCT
ajbmeb-393	2	11	amman	amman	PROPN
ajbmeb-393	2	12	,	,	PUNCT
ajbmeb-393	2	13	jordan	jordan	PROPN
ajbmeb-393	2	14	sweets236@yahoo.com	sweets236@yahoo.com	PROPN
ajbmeb-393	3	1	mahmood	mahmood	PROPN
ajbmeb-393	3	2	abushareah	abushareah	PROPN
ajbmeb-393	3	3	faculty	faculty	NOUN
ajbmeb-393	3	4	of	of	ADP
ajbmeb-393	3	5	business	business	NOUN
ajbmeb-393	3	6	,	,	PUNCT
ajbmeb-393	3	7	amman	amman	PROPN
ajbmeb-393	3	8	arab	arab	PROPN
ajbmeb-393	3	9	university	university	PROPN
ajbmeb-393	3	10	,	,	PUNCT
ajbmeb-393	3	11	amman	amman	PROPN
ajbmeb-393	3	12	,	,	PUNCT
ajbmeb-393	3	13	jordan	jordan	PROPN
ajbmeb-393	3	14	,	,	PUNCT
ajbmeb-393	3	15	mahmood	mahmood	PROPN
ajbmeb-393	3	16	.	.	PUNCT
ajbmeb-393	4	1	abushareah@aau.edu.jo	abushareah@aau.edu.jo	ADJ
ajbmeb-393	4	2	.	.	PUNCT
ajbmeb-393	4	3	0000	0000	NUM
ajbmeb-393	4	4	-	-	PUNCT
ajbmeb-393	4	5	0003	0003	NUM
ajbmeb-393	4	6	-	-	PUNCT
ajbmeb-393	4	7	3545	3545	NUM
ajbmeb-393	4	8	-	-	SYM
ajbmeb-393	4	9	4486	4486	NUM
ajbmeb-393	4	10	a	a	DET
ajbmeb-393	4	11	b	b	PROPN
ajbmeb-393	4	12	s	s	ADP
ajbmeb-393	4	13	t	t	PROPN
ajbmeb-393	4	14	r	r	NOUN
ajbmeb-393	4	15	a	a	DET
ajbmeb-393	4	16	c	c	NOUN
ajbmeb-393	4	17	t	t	NOUN
ajbmeb-393	4	18	k	k	X
ajbmeb-393	4	19	e	e	PROPN
ajbmeb-393	4	20	y	y	PROPN
ajbmeb-393	4	21	w	w	NOUN
ajbmeb-393	4	22	o	o	NOUN
ajbmeb-393	4	23	r	r	NOUN
ajbmeb-393	4	24	d	d	PROPN
ajbmeb-393	4	25	s	s	VERB
ajbmeb-393	4	26	this	this	DET
ajbmeb-393	4	27	study	study	NOUN
ajbmeb-393	4	28	aimed	aim	VERB
ajbmeb-393	4	29	to	to	PART
ajbmeb-393	4	30	investigate	investigate	VERB
ajbmeb-393	4	31	the	the	DET
ajbmeb-393	4	32	impact	impact	NOUN
ajbmeb-393	4	33	of	of	ADP
ajbmeb-393	4	34	financial	financial	ADJ
ajbmeb-393	4	35	technology	technology	NOUN
ajbmeb-393	4	36	dimensions	dimension	NOUN
ajbmeb-393	4	37	on	on	ADP
ajbmeb-393	4	38	improving	improve	VERB
ajbmeb-393	4	39	the	the	DET
ajbmeb-393	4	40	quality	quality	NOUN
ajbmeb-393	4	41	of	of	ADP
ajbmeb-393	4	42	electronic	electronic	ADJ
ajbmeb-393	4	43	banking	banking	NOUN
ajbmeb-393	4	44	services	service	NOUN
ajbmeb-393	4	45	at	at	ADP
ajbmeb-393	4	46	jordanian	jordanian	ADJ
ajbmeb-393	4	47	commercial	commercial	ADJ
ajbmeb-393	4	48	banks	bank	NOUN
ajbmeb-393	4	49	in	in	ADP
ajbmeb-393	4	50	the	the	DET
ajbmeb-393	4	51	capital	capital	NOUN
ajbmeb-393	4	52	,	,	PUNCT
ajbmeb-393	4	53	amman	amman	PROPN
ajbmeb-393	4	54	,	,	PUNCT
ajbmeb-393	4	55	from	from	ADP
ajbmeb-393	4	56	the	the	DET
ajbmeb-393	4	57	viewpoint	viewpoint	NOUN
ajbmeb-393	4	58	of	of	ADP
ajbmeb-393	4	59	bank	bank	NOUN
ajbmeb-393	4	60	customers	customer	NOUN
ajbmeb-393	4	61	.	.	PUNCT
ajbmeb-393	5	1	where	where	SCONJ
ajbmeb-393	5	2	the	the	DET
ajbmeb-393	5	3	comparison	comparison	NOUN
ajbmeb-393	5	4	method	method	NOUN
ajbmeb-393	5	5	was	be	AUX
ajbmeb-393	5	6	adopted	adopt	VERB
ajbmeb-393	5	7	for	for	ADP
ajbmeb-393	5	8	previous	previous	ADJ
ajbmeb-393	5	9	studies	study	NOUN
ajbmeb-393	5	10	.	.	PUNCT
ajbmeb-393	6	1	the	the	DET
ajbmeb-393	6	2	study	study	NOUN
ajbmeb-393	6	3	concluded	conclude	VERB
ajbmeb-393	6	4	that	that	SCONJ
ajbmeb-393	6	5	there	there	PRON
ajbmeb-393	6	6	is	be	VERB
ajbmeb-393	6	7	an	an	DET
ajbmeb-393	6	8	effect	effect	NOUN
ajbmeb-393	6	9	of	of	ADP
ajbmeb-393	6	10	electronic	electronic	ADJ
ajbmeb-393	6	11	financing	financing	NOUN
ajbmeb-393	6	12	,	,	PUNCT
ajbmeb-393	6	13	electronic	electronic	ADJ
ajbmeb-393	6	14	lending	lending	NOUN
ajbmeb-393	6	15	,	,	PUNCT
ajbmeb-393	6	16	and	and	CCONJ
ajbmeb-393	6	17	automatic	automatic	ADJ
ajbmeb-393	6	18	teller	teller	NOUN
ajbmeb-393	6	19	machines	machine	NOUN
ajbmeb-393	6	20	in	in	ADP
ajbmeb-393	6	21	improving	improve	VERB
ajbmeb-393	6	22	the	the	DET
ajbmeb-393	6	23	quality	quality	NOUN
ajbmeb-393	6	24	of	of	ADP
ajbmeb-393	6	25	electronic	electronic	ADJ
ajbmeb-393	6	26	services	service	NOUN
ajbmeb-393	6	27	in	in	ADP
ajbmeb-393	6	28	jordanian	jordanian	ADJ
ajbmeb-393	6	29	commercial	commercial	ADJ
ajbmeb-393	6	30	banks	bank	NOUN
ajbmeb-393	6	31	in	in	ADP
ajbmeb-393	6	32	the	the	DET
ajbmeb-393	6	33	capital	capital	NOUN
ajbmeb-393	6	34	,	,	PUNCT
ajbmeb-393	6	35	amman	amman	PROPN
ajbmeb-393	6	36	.	.	PUNCT
ajbmeb-393	7	1	accordingly	accordingly	ADV
ajbmeb-393	7	2	,	,	PUNCT
ajbmeb-393	7	3	the	the	DET
ajbmeb-393	7	4	study	study	NOUN
ajbmeb-393	7	5	recommends	recommend	VERB
ajbmeb-393	7	6	the	the	DET
ajbmeb-393	7	7	need	need	NOUN
ajbmeb-393	7	8	for	for	ADP
ajbmeb-393	7	9	jordanian	jordanian	ADJ
ajbmeb-393	7	10	commercial	commercial	ADJ
ajbmeb-393	7	11	bank	bank	NOUN
ajbmeb-393	7	12	administrations	administration	NOUN
ajbmeb-393	7	13	in	in	ADP
ajbmeb-393	7	14	the	the	DET
ajbmeb-393	7	15	capital	capital	NOUN
ajbmeb-393	7	16	,	,	PUNCT
ajbmeb-393	7	17	amman	amman	PROPN
ajbmeb-393	7	18	,	,	PUNCT
ajbmeb-393	7	19	to	to	PART
ajbmeb-393	7	20	pay	pay	VERB
ajbmeb-393	7	21	attention	attention	NOUN
ajbmeb-393	7	22	to	to	ADP
ajbmeb-393	7	23	developing	develop	VERB
ajbmeb-393	7	24	electronic	electronic	ADJ
ajbmeb-393	7	25	payment	payment	NOUN
ajbmeb-393	7	26	services	service	NOUN
ajbmeb-393	7	27	and	and	CCONJ
ajbmeb-393	7	28	deepening	deepen	VERB
ajbmeb-393	7	29	customers	customer	NOUN
ajbmeb-393	7	30	'	'	PART
ajbmeb-393	7	31	understanding	understanding	NOUN
ajbmeb-393	7	32	of	of	ADP
ajbmeb-393	7	33	electronic	electronic	ADJ
ajbmeb-393	7	34	payment	payment	NOUN
ajbmeb-393	7	35	services	service	NOUN
ajbmeb-393	7	36	so	so	SCONJ
ajbmeb-393	7	37	that	that	SCONJ
ajbmeb-393	7	38	they	they	PRON
ajbmeb-393	7	39	can	can	AUX
ajbmeb-393	7	40	benefit	benefit	VERB
ajbmeb-393	7	41	from	from	ADP
ajbmeb-393	7	42	them	they	PRON
ajbmeb-393	7	43	more	more	ADV
ajbmeb-393	7	44	,	,	PUNCT
ajbmeb-393	7	45	in	in	ADP
ajbmeb-393	7	46	addition	addition	NOUN
ajbmeb-393	7	47	to	to	ADP
ajbmeb-393	7	48	educating	educate	VERB
ajbmeb-393	7	49	customers	customer	NOUN
ajbmeb-393	7	50	about	about	ADP
ajbmeb-393	7	51	the	the	DET
ajbmeb-393	7	52	importance	importance	NOUN
ajbmeb-393	7	53	of	of	ADP
ajbmeb-393	7	54	using	use	VERB
ajbmeb-393	7	55	electronic	electronic	ADJ
ajbmeb-393	7	56	banking	banking	NOUN
ajbmeb-393	7	57	services	service	NOUN
ajbmeb-393	7	58	,	,	PUNCT
ajbmeb-393	7	59	and	and	CCONJ
ajbmeb-393	7	60	the	the	DET
ajbmeb-393	7	61	inclusion	inclusion	NOUN
ajbmeb-393	7	62	of	of	ADP
ajbmeb-393	7	63	all	all	DET
ajbmeb-393	7	64	possible	possible	ADJ
ajbmeb-393	7	65	services	service	NOUN
ajbmeb-393	7	66	in	in	ADP
ajbmeb-393	7	67	electronic	electronic	ADJ
ajbmeb-393	7	68	services	service	NOUN
ajbmeb-393	7	69	.	.	PUNCT
ajbmeb-393	8	1	financial	financial	ADJ
ajbmeb-393	8	2	technology	technology	NOUN
ajbmeb-393	8	3	,	,	PUNCT
ajbmeb-393	8	4	electronic	electronic	ADJ
ajbmeb-393	8	5	banking	banking	NOUN
ajbmeb-393	8	6	services	service	NOUN
ajbmeb-393	8	7	,	,	PUNCT
ajbmeb-393	8	8	jordanian	jordanian	ADJ
ajbmeb-393	8	9	commercial	commercial	ADJ
ajbmeb-393	8	10	banks	bank	NOUN
ajbmeb-393	8	11	.	.	PUNCT
ajbmeb-393	9	1	1	1	X
ajbmeb-393	9	2	.	.	X
ajbmeb-393	9	3	introduction	introduction	NOUN
ajbmeb-393	9	4	the	the	DET
ajbmeb-393	9	5	quality	quality	NOUN
ajbmeb-393	9	6	of	of	ADP
ajbmeb-393	9	7	electronic	electronic	ADJ
ajbmeb-393	9	8	banking	banking	NOUN
ajbmeb-393	9	9	services	service	NOUN
ajbmeb-393	9	10	provided	provide	VERB
ajbmeb-393	9	11	by	by	ADP
ajbmeb-393	9	12	banks	bank	NOUN
ajbmeb-393	9	13	is	be	AUX
ajbmeb-393	9	14	considered	consider	VERB
ajbmeb-393	9	15	one	one	NUM
ajbmeb-393	9	16	of	of	ADP
ajbmeb-393	9	17	the	the	DET
ajbmeb-393	9	18	most	most	ADV
ajbmeb-393	9	19	important	important	ADJ
ajbmeb-393	9	20	pillars	pillar	NOUN
ajbmeb-393	9	21	on	on	ADP
ajbmeb-393	9	22	which	which	PRON
ajbmeb-393	9	23	it	it	PRON
ajbmeb-393	9	24	relies	rely	VERB
ajbmeb-393	9	25	in	in	ADP
ajbmeb-393	9	26	satisfying	satisfy	VERB
ajbmeb-393	9	27	the	the	DET
ajbmeb-393	9	28	customer	customer	NOUN
ajbmeb-393	9	29	,	,	PUNCT
ajbmeb-393	9	30	satisfying	satisfy	VERB
ajbmeb-393	9	31	his	his	PRON
ajbmeb-393	9	32	needs	need	NOUN
ajbmeb-393	9	33	,	,	PUNCT
ajbmeb-393	9	34	and	and	CCONJ
ajbmeb-393	9	35	attracting	attract	VERB
ajbmeb-393	9	36	his	his	PRON
ajbmeb-393	9	37	attention	attention	NOUN
ajbmeb-393	9	38	to	to	ADP
ajbmeb-393	9	39	everything	everything	PRON
ajbmeb-393	9	40	new	new	ADJ
ajbmeb-393	9	41	.	.	PUNCT
ajbmeb-393	10	1	because	because	SCONJ
ajbmeb-393	10	2	of	of	ADP
ajbmeb-393	10	3	its	its	PRON
ajbmeb-393	10	4	important	important	ADJ
ajbmeb-393	10	5	role	role	NOUN
ajbmeb-393	10	6	in	in	ADP
ajbmeb-393	10	7	the	the	DET
ajbmeb-393	10	8	conduct	conduct	NOUN
ajbmeb-393	10	9	of	of	ADP
ajbmeb-393	10	10	various	various	ADJ
ajbmeb-393	10	11	operations	operation	NOUN
ajbmeb-393	10	12	;	;	PUNCT
ajbmeb-393	10	13	provided	provide	VERB
ajbmeb-393	10	14	by	by	ADP
ajbmeb-393	10	15	banking	banking	NOUN
ajbmeb-393	10	16	services	service	NOUN
ajbmeb-393	10	17	(	(	PUNCT
ajbmeb-393	10	18	habes	habe	NOUN
ajbmeb-393	10	19	et	et	PROPN
ajbmeb-393	10	20	al	al	PROPN
ajbmeb-393	10	21	.	.	PROPN
ajbmeb-393	10	22	,	,	PUNCT
ajbmeb-393	10	23	2023	2023	NUM
ajbmeb-393	10	24	;	;	PUNCT
ajbmeb-393	10	25	salloum	salloum	NOUN
ajbmeb-393	10	26	et	et	PROPN
ajbmeb-393	10	27	al	al	PROPN
ajbmeb-393	10	28	.	.	PROPN
ajbmeb-393	10	29	,	,	PUNCT
ajbmeb-393	10	30	2019	2019	NUM
ajbmeb-393	10	31	;	;	PUNCT
ajbmeb-393	10	32	wang	wang	PROPN
ajbmeb-393	10	33	et	et	PROPN
ajbmeb-393	10	34	al	al	PROPN
ajbmeb-393	10	35	.	.	PROPN
ajbmeb-393	10	36	,	,	PUNCT
ajbmeb-393	10	37	2022	2022	NUM
ajbmeb-393	10	38	)	)	PUNCT
ajbmeb-393	10	39	.	.	PUNCT
ajbmeb-393	11	1	with	with	ADP
ajbmeb-393	11	2	the	the	DET
ajbmeb-393	11	3	increase	increase	NOUN
ajbmeb-393	11	4	of	of	ADP
ajbmeb-393	11	5	time	time	NOUN
ajbmeb-393	11	6	and	and	CCONJ
ajbmeb-393	11	7	the	the	DET
ajbmeb-393	11	8	availability	availability	NOUN
ajbmeb-393	11	9	of	of	ADP
ajbmeb-393	11	10	modern	modern	ADJ
ajbmeb-393	11	11	technologies	technology	NOUN
ajbmeb-393	11	12	and	and	CCONJ
ajbmeb-393	11	13	the	the	DET
ajbmeb-393	11	14	development	development	NOUN
ajbmeb-393	11	15	of	of	ADP
ajbmeb-393	11	16	science	science	NOUN
ajbmeb-393	11	17	,	,	PUNCT
ajbmeb-393	11	18	all	all	DET
ajbmeb-393	11	19	commercial	commercial	ADJ
ajbmeb-393	11	20	banks	bank	NOUN
ajbmeb-393	11	21	have	have	VERB
ajbmeb-393	11	22	to	to	PART
ajbmeb-393	11	23	develop	develop	VERB
ajbmeb-393	11	24	their	their	PRON
ajbmeb-393	11	25	competitive	competitive	ADJ
ajbmeb-393	11	26	advantages	advantage	NOUN
ajbmeb-393	11	27	and	and	CCONJ
ajbmeb-393	11	28	continuously	continuously	ADV
ajbmeb-393	11	29	improve	improve	VERB
ajbmeb-393	11	30	the	the	DET
ajbmeb-393	11	31	quality	quality	NOUN
ajbmeb-393	11	32	of	of	ADP
ajbmeb-393	11	33	electronic	electronic	ADJ
ajbmeb-393	11	34	banking	banking	NOUN
ajbmeb-393	11	35	service	service	NOUN
ajbmeb-393	11	36	.	.	PUNCT
ajbmeb-393	12	1	through	through	ADP
ajbmeb-393	12	2	the	the	DET
ajbmeb-393	12	3	banking	banking	NOUN
ajbmeb-393	12	4	services	service	NOUN
ajbmeb-393	12	5	it	it	PRON
ajbmeb-393	12	6	provides	provide	VERB
ajbmeb-393	12	7	to	to	ADP
ajbmeb-393	12	8	customers	customer	NOUN
ajbmeb-393	12	9	that	that	PRON
ajbmeb-393	12	10	distinguish	distinguish	VERB
ajbmeb-393	12	11	it	it	PRON
ajbmeb-393	12	12	from	from	ADP
ajbmeb-393	12	13	other	other	ADJ
ajbmeb-393	12	14	commercial	commercial	ADJ
ajbmeb-393	12	15	banks	bank	NOUN
ajbmeb-393	12	16	,	,	PUNCT
ajbmeb-393	12	17	and	and	CCONJ
ajbmeb-393	12	18	to	to	PART
ajbmeb-393	12	19	attract	attract	VERB
ajbmeb-393	12	20	the	the	DET
ajbmeb-393	12	21	largest	large	ADJ
ajbmeb-393	12	22	number	number	NOUN
ajbmeb-393	12	23	of	of	ADP
ajbmeb-393	12	24	customers	customer	NOUN
ajbmeb-393	12	25	through	through	ADP
ajbmeb-393	12	26	the	the	DET
ajbmeb-393	12	27	new	new	ADJ
ajbmeb-393	12	28	and	and	CCONJ
ajbmeb-393	12	29	modern	modern	ADJ
ajbmeb-393	12	30	features	feature	NOUN
ajbmeb-393	12	31	american	american	PROPN
ajbmeb-393	12	32	journal	journal	PROPN
ajbmeb-393	12	33	of	of	ADP
ajbmeb-393	12	34	business	business	NOUN
ajbmeb-393	12	35	management	management	NOUN
ajbmeb-393	12	36	,	,	PUNCT
ajbmeb-393	12	37	economics	economic	NOUN
ajbmeb-393	12	38	and	and	CCONJ
ajbmeb-393	12	39	banking	banking	NOUN
ajbmeb-393	12	40	volume	volume	NOUN
ajbmeb-393	12	41	9	9	NUM
ajbmeb-393	12	42	feb	feb	X
ajbmeb-393	12	43	.	.	PROPN
ajbmeb-393	12	44	,	,	PUNCT
ajbmeb-393	12	45	2023	2023	NUM
ajbmeb-393	12	46	p	p	NOUN
ajbmeb-393	12	47	a	a	DET
ajbmeb-393	12	48	g	g	NOUN
ajbmeb-393	12	49	e	e	NOUN
ajbmeb-393	13	1	|	|	ADV
ajbmeb-393	13	2	12	12	NUM
ajbmeb-393	13	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	13	4	it	it	PRON
ajbmeb-393	13	5	offers	offer	VERB
ajbmeb-393	13	6	;	;	PUNCT
ajbmeb-393	13	7	such	such	ADJ
ajbmeb-393	13	8	as	as	ADP
ajbmeb-393	13	9	reducing	reduce	VERB
ajbmeb-393	13	10	costs	cost	NOUN
ajbmeb-393	13	11	on	on	ADP
ajbmeb-393	13	12	transactions	transaction	NOUN
ajbmeb-393	13	13	,	,	PUNCT
ajbmeb-393	13	14	ease	ease	NOUN
ajbmeb-393	13	15	and	and	CCONJ
ajbmeb-393	13	16	speed	speed	NOUN
ajbmeb-393	13	17	of	of	ADP
ajbmeb-393	13	18	dealing	deal	VERB
ajbmeb-393	13	19	,	,	PUNCT
ajbmeb-393	13	20	more	more	ADJ
ajbmeb-393	13	21	security	security	NOUN
ajbmeb-393	13	22	,	,	PUNCT
ajbmeb-393	13	23	flexibility	flexibility	NOUN
ajbmeb-393	13	24	in	in	ADP
ajbmeb-393	13	25	dealing	dealing	NOUN
ajbmeb-393	13	26	and	and	CCONJ
ajbmeb-393	13	27	accuracy	accuracy	NOUN
ajbmeb-393	13	28	in	in	ADP
ajbmeb-393	13	29	work	work	NOUN
ajbmeb-393	13	30	(	(	PUNCT
ajbmeb-393	13	31	alghizzawi	alghizzawi	NOUN
ajbmeb-393	13	32	,	,	PUNCT
ajbmeb-393	13	33	2019	2019	NUM
ajbmeb-393	13	34	)	)	PUNCT
ajbmeb-393	13	35	.	.	PUNCT
ajbmeb-393	14	1	as	as	ADP
ajbmeb-393	14	2	for	for	ADP
ajbmeb-393	14	3	financial	financial	ADJ
ajbmeb-393	14	4	technology	technology	NOUN
ajbmeb-393	14	5	,	,	PUNCT
ajbmeb-393	14	6	it	it	PRON
ajbmeb-393	14	7	has	have	VERB
ajbmeb-393	14	8	a	a	DET
ajbmeb-393	14	9	fundamental	fundamental	ADJ
ajbmeb-393	14	10	role	role	NOUN
ajbmeb-393	14	11	in	in	ADP
ajbmeb-393	14	12	the	the	DET
ajbmeb-393	14	13	lives	life	NOUN
ajbmeb-393	14	14	of	of	ADP
ajbmeb-393	14	15	individuals	individual	NOUN
ajbmeb-393	14	16	in	in	ADP
ajbmeb-393	14	17	the	the	DET
ajbmeb-393	14	18	current	current	ADJ
ajbmeb-393	14	19	era	era	NOUN
ajbmeb-393	14	20	due	due	ADP
ajbmeb-393	14	21	to	to	ADP
ajbmeb-393	14	22	its	its	PRON
ajbmeb-393	14	23	heavy	heavy	ADJ
ajbmeb-393	14	24	reliance	reliance	NOUN
ajbmeb-393	14	25	on	on	ADP
ajbmeb-393	14	26	the	the	DET
ajbmeb-393	14	27	internet	internet	NOUN
ajbmeb-393	14	28	,	,	PUNCT
ajbmeb-393	14	29	dealing	deal	VERB
ajbmeb-393	14	30	with	with	ADP
ajbmeb-393	14	31	digital	digital	ADJ
ajbmeb-393	14	32	payments	payment	NOUN
ajbmeb-393	14	33	and	and	CCONJ
ajbmeb-393	14	34	money	money	NOUN
ajbmeb-393	14	35	transfers	transfer	NOUN
ajbmeb-393	14	36	.	.	PUNCT
ajbmeb-393	15	1	it	it	PRON
ajbmeb-393	15	2	is	be	AUX
ajbmeb-393	15	3	an	an	DET
ajbmeb-393	15	4	advantage	advantage	NOUN
ajbmeb-393	15	5	to	to	PART
ajbmeb-393	15	6	attract	attract	VERB
ajbmeb-393	15	7	electronic	electronic	ADJ
ajbmeb-393	15	8	customers	customer	NOUN
ajbmeb-393	15	9	who	who	PRON
ajbmeb-393	15	10	spend	spend	VERB
ajbmeb-393	15	11	most	most	ADJ
ajbmeb-393	15	12	of	of	ADP
ajbmeb-393	15	13	their	their	PRON
ajbmeb-393	15	14	time	time	NOUN
ajbmeb-393	15	15	on	on	ADP
ajbmeb-393	15	16	their	their	PRON
ajbmeb-393	15	17	smartphones	smartphone	NOUN
ajbmeb-393	15	18	in	in	ADP
ajbmeb-393	15	19	electronic	electronic	ADJ
ajbmeb-393	15	20	communication	communication	NOUN
ajbmeb-393	15	21	,	,	PUNCT
ajbmeb-393	15	22	and	and	CCONJ
ajbmeb-393	15	23	use	use	VERB
ajbmeb-393	15	24	many	many	ADJ
ajbmeb-393	15	25	applications	application	NOUN
ajbmeb-393	15	26	available	available	ADJ
ajbmeb-393	15	27	on	on	ADP
ajbmeb-393	15	28	their	their	PRON
ajbmeb-393	15	29	phones	phone	NOUN
ajbmeb-393	15	30	(	(	PUNCT
ajbmeb-393	15	31	samar	samar	PROPN
ajbmeb-393	15	32	et	et	PROPN
ajbmeb-393	15	33	al	al	PROPN
ajbmeb-393	15	34	.	.	PROPN
ajbmeb-393	15	35	,	,	PUNCT
ajbmeb-393	15	36	2021	2021	NUM
ajbmeb-393	15	37	)	)	PUNCT
ajbmeb-393	15	38	.	.	PUNCT
ajbmeb-393	16	1	although	although	SCONJ
ajbmeb-393	16	2	the	the	DET
ajbmeb-393	16	3	banking	banking	NOUN
ajbmeb-393	16	4	sector	sector	NOUN
ajbmeb-393	16	5	relies	rely	VERB
ajbmeb-393	16	6	on	on	ADP
ajbmeb-393	16	7	human	human	ADJ
ajbmeb-393	16	8	labor	labor	NOUN
ajbmeb-393	16	9	,	,	PUNCT
ajbmeb-393	16	10	it	it	PRON
ajbmeb-393	16	11	can	can	AUX
ajbmeb-393	16	12	now	now	ADV
ajbmeb-393	16	13	fully	fully	ADV
ajbmeb-393	16	14	automate	automate	VERB
ajbmeb-393	16	15	its	its	PRON
ajbmeb-393	16	16	banking	banking	NOUN
ajbmeb-393	16	17	services	service	NOUN
ajbmeb-393	16	18	.	.	PUNCT
ajbmeb-393	17	1	through	through	ADP
ajbmeb-393	17	2	the	the	DET
ajbmeb-393	17	3	digital	digital	ADJ
ajbmeb-393	17	4	services	service	NOUN
ajbmeb-393	17	5	it	it	PRON
ajbmeb-393	17	6	provides	provide	VERB
ajbmeb-393	17	7	to	to	ADP
ajbmeb-393	17	8	customers	customer	NOUN
ajbmeb-393	17	9	using	use	VERB
ajbmeb-393	17	10	mobile	mobile	ADJ
ajbmeb-393	17	11	phone	phone	NOUN
ajbmeb-393	17	12	applications	application	NOUN
ajbmeb-393	17	13	,	,	PUNCT
ajbmeb-393	17	14	or	or	CCONJ
ajbmeb-393	17	15	what	what	PRON
ajbmeb-393	17	16	is	be	AUX
ajbmeb-393	17	17	called	call	VERB
ajbmeb-393	17	18	smart	smart	ADJ
ajbmeb-393	17	19	phones	phone	NOUN
ajbmeb-393	17	20	.	.	PUNCT
ajbmeb-393	18	1	mobile	mobile	ADJ
ajbmeb-393	18	2	applications	application	NOUN
ajbmeb-393	18	3	have	have	AUX
ajbmeb-393	18	4	provided	provide	VERB
ajbmeb-393	18	5	an	an	DET
ajbmeb-393	18	6	opportunity	opportunity	NOUN
ajbmeb-393	18	7	for	for	SCONJ
ajbmeb-393	18	8	electronic	electronic	ADJ
ajbmeb-393	18	9	banking	banking	NOUN
ajbmeb-393	18	10	services	service	NOUN
ajbmeb-393	18	11	to	to	PART
ajbmeb-393	18	12	operate	operate	VERB
ajbmeb-393	18	13	completely	completely	ADV
ajbmeb-393	18	14	without	without	ADP
ajbmeb-393	18	15	the	the	DET
ajbmeb-393	18	16	need	need	NOUN
ajbmeb-393	18	17	for	for	ADP
ajbmeb-393	18	18	an	an	DET
ajbmeb-393	18	19	actual	actual	ADJ
ajbmeb-393	18	20	employee	employee	NOUN
ajbmeb-393	18	21	at	at	ADP
ajbmeb-393	18	22	the	the	DET
ajbmeb-393	18	23	same	same	ADJ
ajbmeb-393	18	24	time	time	NOUN
ajbmeb-393	18	25	.	.	PUNCT
ajbmeb-393	19	1	in	in	ADP
ajbmeb-393	19	2	the	the	DET
ajbmeb-393	19	3	recent	recent	ADJ
ajbmeb-393	19	4	times	time	NOUN
ajbmeb-393	19	5	that	that	SCONJ
ajbmeb-393	19	6	we	we	PRON
ajbmeb-393	19	7	have	have	AUX
ajbmeb-393	19	8	witnessed	witness	VERB
ajbmeb-393	19	9	in	in	ADP
ajbmeb-393	19	10	the	the	DET
ajbmeb-393	19	11	twenty	twenty	NUM
ajbmeb-393	19	12	-	-	PUNCT
ajbmeb-393	19	13	first	first	ADJ
ajbmeb-393	19	14	century	century	NOUN
ajbmeb-393	19	15	due	due	ADP
ajbmeb-393	19	16	to	to	ADP
ajbmeb-393	19	17	the	the	DET
ajbmeb-393	19	18	corona	corona	NOUN
ajbmeb-393	19	19	pandemic	pandemic	NOUN
ajbmeb-393	19	20	,	,	PUNCT
ajbmeb-393	19	21	the	the	DET
ajbmeb-393	19	22	need	need	NOUN
ajbmeb-393	19	23	for	for	ADP
ajbmeb-393	19	24	electronic	electronic	ADJ
ajbmeb-393	19	25	banking	banking	NOUN
ajbmeb-393	19	26	services	service	NOUN
ajbmeb-393	19	27	has	have	AUX
ajbmeb-393	19	28	increased	increase	VERB
ajbmeb-393	19	29	.	.	PUNCT
ajbmeb-393	20	1	which	which	PRON
ajbmeb-393	20	2	adopts	adopt	VERB
ajbmeb-393	20	3	financial	financial	ADJ
ajbmeb-393	20	4	technology	technology	NOUN
ajbmeb-393	20	5	applications	application	NOUN
ajbmeb-393	20	6	,	,	PUNCT
ajbmeb-393	20	7	to	to	PART
ajbmeb-393	20	8	facilitate	facilitate	VERB
ajbmeb-393	20	9	customers	customer	NOUN
ajbmeb-393	20	10	in	in	ADP
ajbmeb-393	20	11	obtaining	obtain	VERB
ajbmeb-393	20	12	their	their	PRON
ajbmeb-393	20	13	banking	banking	NOUN
ajbmeb-393	20	14	services	service	NOUN
ajbmeb-393	20	15	through	through	ADP
ajbmeb-393	20	16	their	their	PRON
ajbmeb-393	20	17	smart	smart	ADJ
ajbmeb-393	20	18	phones	phone	NOUN
ajbmeb-393	20	19	,	,	PUNCT
ajbmeb-393	20	20	and	and	CCONJ
ajbmeb-393	20	21	to	to	PART
ajbmeb-393	20	22	conduct	conduct	VERB
ajbmeb-393	20	23	many	many	ADJ
ajbmeb-393	20	24	banking	banking	NOUN
ajbmeb-393	20	25	operations	operation	NOUN
ajbmeb-393	20	26	without	without	ADP
ajbmeb-393	20	27	the	the	DET
ajbmeb-393	20	28	need	need	NOUN
ajbmeb-393	20	29	to	to	PART
ajbmeb-393	20	30	be	be	AUX
ajbmeb-393	20	31	present	present	ADJ
ajbmeb-393	20	32	in	in	ADP
ajbmeb-393	20	33	a	a	DET
ajbmeb-393	20	34	bank	bank	NOUN
ajbmeb-393	20	35	branch	branch	NOUN
ajbmeb-393	20	36	,	,	PUNCT
ajbmeb-393	20	37	which	which	PRON
ajbmeb-393	20	38	saves	save	VERB
ajbmeb-393	20	39	the	the	DET
ajbmeb-393	20	40	customer	customer	NOUN
ajbmeb-393	20	41	time	time	NOUN
ajbmeb-393	20	42	,	,	PUNCT
ajbmeb-393	20	43	effort	effort	NOUN
ajbmeb-393	20	44	,	,	PUNCT
ajbmeb-393	20	45	cost	cost	NOUN
ajbmeb-393	20	46	,	,	PUNCT
ajbmeb-393	20	47	speed	speed	NOUN
ajbmeb-393	20	48	and	and	CCONJ
ajbmeb-393	20	49	security	security	NOUN
ajbmeb-393	20	50	in	in	ADP
ajbmeb-393	20	51	achieving	achieve	VERB
ajbmeb-393	20	52	his	his	PRON
ajbmeb-393	20	53	requirements	requirement	NOUN
ajbmeb-393	20	54	(	(	PUNCT
ajbmeb-393	20	55	alshibly	alshibly	ADV
ajbmeb-393	20	56	et	et	PROPN
ajbmeb-393	20	57	al	al	PROPN
ajbmeb-393	20	58	.	.	PROPN
ajbmeb-393	20	59	,	,	PUNCT
ajbmeb-393	20	60	2019	2019	NUM
ajbmeb-393	20	61	;	;	PUNCT
ajbmeb-393	20	62	alnawafleh	alnawafleh	NOUN
ajbmeb-393	20	63	et	et	NOUN
ajbmeb-393	20	64	al	al	PROPN
ajbmeb-393	20	65	.	.	PROPN
ajbmeb-393	20	66	,	,	PUNCT
ajbmeb-393	20	67	2019	2019	NUM
ajbmeb-393	20	68	;	;	PUNCT
ajbmeb-393	20	69	rahi	rahi	NOUN
ajbmeb-393	20	70	et	et	PROPN
ajbmeb-393	20	71	al	al	PROPN
ajbmeb-393	20	72	.	.	PROPN
ajbmeb-393	20	73	,	,	PUNCT
ajbmeb-393	20	74	2021	2021	NUM
ajbmeb-393	20	75	)	)	PUNCT
ajbmeb-393	20	76	.	.	PUNCT
ajbmeb-393	21	1	the	the	DET
ajbmeb-393	21	2	importance	importance	NOUN
ajbmeb-393	21	3	of	of	ADP
ajbmeb-393	21	4	the	the	DET
ajbmeb-393	21	5	study	study	NOUN
ajbmeb-393	21	6	is	be	AUX
ajbmeb-393	21	7	represented	represent	VERB
ajbmeb-393	21	8	in	in	ADP
ajbmeb-393	21	9	the	the	DET
ajbmeb-393	21	10	extent	extent	NOUN
ajbmeb-393	21	11	to	to	PART
ajbmeb-393	21	12	which	which	PRON
ajbmeb-393	21	13	the	the	DET
ajbmeb-393	21	14	banking	banking	NOUN
ajbmeb-393	21	15	sector	sector	NOUN
ajbmeb-393	21	16	uses	use	VERB
ajbmeb-393	21	17	financial	financial	ADJ
ajbmeb-393	21	18	technology	technology	NOUN
ajbmeb-393	21	19	,	,	PUNCT
ajbmeb-393	21	20	and	and	CCONJ
ajbmeb-393	21	21	the	the	DET
ajbmeb-393	21	22	extent	extent	NOUN
ajbmeb-393	21	23	of	of	ADP
ajbmeb-393	21	24	its	its	PRON
ajbmeb-393	21	25	effectiveness	effectiveness	NOUN
ajbmeb-393	21	26	and	and	CCONJ
ajbmeb-393	21	27	impact	impact	NOUN
ajbmeb-393	21	28	on	on	ADP
ajbmeb-393	21	29	improving	improve	VERB
ajbmeb-393	21	30	the	the	DET
ajbmeb-393	21	31	quality	quality	NOUN
ajbmeb-393	21	32	of	of	ADP
ajbmeb-393	21	33	electronic	electronic	ADJ
ajbmeb-393	21	34	banking	banking	NOUN
ajbmeb-393	21	35	services	service	NOUN
ajbmeb-393	21	36	,	,	PUNCT
ajbmeb-393	21	37	its	its	PRON
ajbmeb-393	21	38	ability	ability	NOUN
ajbmeb-393	21	39	to	to	PART
ajbmeb-393	21	40	achieve	achieve	VERB
ajbmeb-393	21	41	competitive	competitive	ADJ
ajbmeb-393	21	42	advantage	advantage	NOUN
ajbmeb-393	21	43	,	,	PUNCT
ajbmeb-393	21	44	maintain	maintain	VERB
ajbmeb-393	21	45	its	its	PRON
ajbmeb-393	21	46	old	old	ADJ
ajbmeb-393	21	47	customers	customer	NOUN
ajbmeb-393	21	48	and	and	CCONJ
ajbmeb-393	21	49	satisfy	satisfy	VERB
ajbmeb-393	21	50	their	their	PRON
ajbmeb-393	21	51	desires	desire	NOUN
ajbmeb-393	21	52	,	,	PUNCT
ajbmeb-393	21	53	attract	attract	VERB
ajbmeb-393	21	54	new	new	ADJ
ajbmeb-393	21	55	customers	customer	NOUN
ajbmeb-393	21	56	and	and	CCONJ
ajbmeb-393	21	57	provide	provide	VERB
ajbmeb-393	21	58	customer	customer	NOUN
ajbmeb-393	21	59	-	-	PUNCT
ajbmeb-393	21	60	oriented	orient	VERB
ajbmeb-393	21	61	solutions	solution	NOUN
ajbmeb-393	21	62	,	,	PUNCT
ajbmeb-393	21	63	in	in	ADP
ajbmeb-393	21	64	the	the	DET
ajbmeb-393	21	65	most	most	ADV
ajbmeb-393	21	66	efficient	efficient	ADJ
ajbmeb-393	21	67	way	way	NOUN
ajbmeb-393	21	68	and	and	CCONJ
ajbmeb-393	21	69	at	at	ADP
ajbmeb-393	21	70	the	the	DET
ajbmeb-393	21	71	lowest	low	ADJ
ajbmeb-393	21	72	possible	possible	ADJ
ajbmeb-393	21	73	cost	cost	NOUN
ajbmeb-393	21	74	;	;	PUNCT
ajbmeb-393	21	75	to	to	PART
ajbmeb-393	21	76	enhance	enhance	VERB
ajbmeb-393	21	77	customer	customer	NOUN
ajbmeb-393	21	78	satisfaction	satisfaction	NOUN
ajbmeb-393	21	79	(	(	PUNCT
ajbmeb-393	21	80	hundal	hundal	NOUN
ajbmeb-393	21	81	&	&	CCONJ
ajbmeb-393	21	82	zinakova	zinakova	PROPN
ajbmeb-393	21	83	,	,	PUNCT
ajbmeb-393	21	84	2021	2021	NUM
ajbmeb-393	21	85	)	)	PUNCT
ajbmeb-393	21	86	.	.	PUNCT
ajbmeb-393	22	1	the	the	DET
ajbmeb-393	22	2	corona	corona	NOUN
ajbmeb-393	22	3	pandemic	pandemic	NOUN
ajbmeb-393	22	4	also	also	ADV
ajbmeb-393	22	5	revealed	reveal	VERB
ajbmeb-393	22	6	to	to	ADP
ajbmeb-393	22	7	us	we	PRON
ajbmeb-393	22	8	the	the	DET
ajbmeb-393	22	9	importance	importance	NOUN
ajbmeb-393	22	10	of	of	ADP
ajbmeb-393	22	11	electronic	electronic	ADJ
ajbmeb-393	22	12	banking	banking	NOUN
ajbmeb-393	22	13	services	service	NOUN
ajbmeb-393	22	14	provided	provide	VERB
ajbmeb-393	22	15	to	to	ADP
ajbmeb-393	22	16	customers	customer	NOUN
ajbmeb-393	22	17	,	,	PUNCT
ajbmeb-393	22	18	and	and	CCONJ
ajbmeb-393	22	19	what	what	PRON
ajbmeb-393	22	20	makes	make	VERB
ajbmeb-393	22	21	it	it	PRON
ajbmeb-393	22	22	easier	easy	ADJ
ajbmeb-393	22	23	for	for	SCONJ
ajbmeb-393	22	24	them	they	PRON
ajbmeb-393	22	25	to	to	PART
ajbmeb-393	22	26	deal	deal	VERB
ajbmeb-393	22	27	with	with	ADP
ajbmeb-393	22	28	financial	financial	ADJ
ajbmeb-393	22	29	technology	technology	NOUN
ajbmeb-393	22	30	applications	application	NOUN
ajbmeb-393	22	31	and	and	CCONJ
ajbmeb-393	22	32	programs	program	NOUN
ajbmeb-393	22	33	provided	provide	VERB
ajbmeb-393	22	34	by	by	ADP
ajbmeb-393	22	35	banks	bank	NOUN
ajbmeb-393	22	36	remotely	remotely	ADV
ajbmeb-393	22	37	,	,	PUNCT
ajbmeb-393	22	38	and	and	CCONJ
ajbmeb-393	22	39	to	to	PART
ajbmeb-393	22	40	complete	complete	VERB
ajbmeb-393	22	41	most	most	ADJ
ajbmeb-393	22	42	of	of	ADP
ajbmeb-393	22	43	their	their	PRON
ajbmeb-393	22	44	transactions	transaction	NOUN
ajbmeb-393	22	45	via	via	ADP
ajbmeb-393	22	46	their	their	PRON
ajbmeb-393	22	47	mobile	mobile	ADJ
ajbmeb-393	22	48	phones	phone	NOUN
ajbmeb-393	22	49	,	,	PUNCT
ajbmeb-393	22	50	or	or	CCONJ
ajbmeb-393	22	51	one	one	NUM
ajbmeb-393	22	52	of	of	ADP
ajbmeb-393	22	53	the	the	DET
ajbmeb-393	22	54	financial	financial	ADJ
ajbmeb-393	22	55	technology	technology	NOUN
ajbmeb-393	22	56	applications	application	NOUN
ajbmeb-393	22	57	,	,	PUNCT
ajbmeb-393	22	58	and	and	CCONJ
ajbmeb-393	22	59	to	to	PART
ajbmeb-393	22	60	indicate	indicate	VERB
ajbmeb-393	22	61	the	the	DET
ajbmeb-393	22	62	extent	extent	NOUN
ajbmeb-393	22	63	to	to	PART
ajbmeb-393	22	64	which	which	PRON
ajbmeb-393	22	65	the	the	DET
ajbmeb-393	22	66	bank	bank	NOUN
ajbmeb-393	22	67	depends	depend	VERB
ajbmeb-393	22	68	in	in	ADP
ajbmeb-393	22	69	its	its	PRON
ajbmeb-393	22	70	electronic	electronic	ADJ
ajbmeb-393	22	71	transactions	transaction	NOUN
ajbmeb-393	22	72	on	on	ADP
ajbmeb-393	22	73	financial	financial	ADJ
ajbmeb-393	22	74	technology	technology	NOUN
ajbmeb-393	22	75	.	.	PUNCT
ajbmeb-393	23	1	were	be	AUX
ajbmeb-393	23	2	the	the	DET
ajbmeb-393	23	3	jordanian	jordanian	ADJ
ajbmeb-393	23	4	commercial	commercial	ADJ
ajbmeb-393	23	5	banks	bank	NOUN
ajbmeb-393	23	6	keeping	keep	VERB
ajbmeb-393	23	7	pace	pace	NOUN
ajbmeb-393	23	8	with	with	ADP
ajbmeb-393	23	9	these	these	DET
ajbmeb-393	23	10	developments	development	NOUN
ajbmeb-393	23	11	?	?	PUNCT
ajbmeb-393	24	1	and	and	CCONJ
ajbmeb-393	24	2	it	it	PRON
ajbmeb-393	24	3	addressed	address	VERB
ajbmeb-393	24	4	this	this	DET
ajbmeb-393	24	5	crisis	crisis	NOUN
ajbmeb-393	24	6	through	through	ADP
ajbmeb-393	24	7	its	its	PRON
ajbmeb-393	24	8	electronic	electronic	ADJ
ajbmeb-393	24	9	services	service	NOUN
ajbmeb-393	24	10	based	base	VERB
ajbmeb-393	24	11	on	on	ADP
ajbmeb-393	24	12	financial	financial	ADJ
ajbmeb-393	24	13	technology	technology	NOUN
ajbmeb-393	24	14	,	,	PUNCT
ajbmeb-393	24	15	and	and	CCONJ
ajbmeb-393	24	16	a	a	DET
ajbmeb-393	24	17	review	review	NOUN
ajbmeb-393	24	18	of	of	ADP
ajbmeb-393	24	19	previous	previous	ADJ
ajbmeb-393	24	20	studies	study	NOUN
ajbmeb-393	24	21	has	have	AUX
ajbmeb-393	24	22	been	be	AUX
ajbmeb-393	24	23	done	do	VERB
ajbmeb-393	24	24	and	and	CCONJ
ajbmeb-393	24	25	compared	compare	VERB
ajbmeb-393	24	26	to	to	PART
ajbmeb-393	24	27	measure	measure	VERB
ajbmeb-393	24	28	the	the	DET
ajbmeb-393	24	29	impact	impact	NOUN
ajbmeb-393	24	30	of	of	ADP
ajbmeb-393	24	31	financial	financial	ADJ
ajbmeb-393	24	32	technology	technology	NOUN
ajbmeb-393	24	33	in	in	ADP
ajbmeb-393	24	34	many	many	ADJ
ajbmeb-393	24	35	areas	area	NOUN
ajbmeb-393	24	36	.	.	PUNCT
ajbmeb-393	25	1	accordingly	accordingly	ADV
ajbmeb-393	25	2	,	,	PUNCT
ajbmeb-393	25	3	the	the	DET
ajbmeb-393	25	4	study	study	NOUN
ajbmeb-393	25	5	derives	derive	VERB
ajbmeb-393	25	6	its	its	PRON
ajbmeb-393	25	7	importance	importance	NOUN
ajbmeb-393	25	8	from	from	ADP
ajbmeb-393	25	9	the	the	DET
ajbmeb-393	25	10	importance	importance	NOUN
ajbmeb-393	25	11	of	of	ADP
ajbmeb-393	25	12	financial	financial	ADJ
ajbmeb-393	25	13	technology	technology	NOUN
ajbmeb-393	25	14	and	and	CCONJ
ajbmeb-393	25	15	its	its	PRON
ajbmeb-393	25	16	effects	effect	NOUN
ajbmeb-393	25	17	in	in	ADP
ajbmeb-393	25	18	conducting	conduct	VERB
ajbmeb-393	25	19	financial	financial	ADJ
ajbmeb-393	25	20	transactions	transaction	NOUN
ajbmeb-393	25	21	,	,	PUNCT
ajbmeb-393	25	22	as	as	ADV
ajbmeb-393	25	23	well	well	ADV
ajbmeb-393	25	24	as	as	ADP
ajbmeb-393	25	25	the	the	DET
ajbmeb-393	25	26	innovations	innovation	NOUN
ajbmeb-393	25	27	it	it	PRON
ajbmeb-393	25	28	introduced	introduce	VERB
ajbmeb-393	25	29	,	,	PUNCT
ajbmeb-393	25	30	which	which	PRON
ajbmeb-393	25	31	had	have	VERB
ajbmeb-393	25	32	a	a	DET
ajbmeb-393	25	33	clear	clear	ADJ
ajbmeb-393	25	34	impact	impact	NOUN
ajbmeb-393	25	35	on	on	ADP
ajbmeb-393	25	36	the	the	DET
ajbmeb-393	25	37	performance	performance	NOUN
ajbmeb-393	25	38	and	and	CCONJ
ajbmeb-393	25	39	continuity	continuity	NOUN
ajbmeb-393	25	40	of	of	ADP
ajbmeb-393	25	41	jordanian	jordanian	ADJ
ajbmeb-393	25	42	commercial	commercial	ADJ
ajbmeb-393	25	43	banks	bank	NOUN
ajbmeb-393	25	44	.	.	PUNCT
ajbmeb-393	26	1	2	2	X
ajbmeb-393	26	2	.	.	X
ajbmeb-393	26	3	previous	previous	ADJ
ajbmeb-393	26	4	studies	study	NOUN
ajbmeb-393	26	5	since	since	SCONJ
ajbmeb-393	26	6	the	the	DET
ajbmeb-393	26	7	beginning	beginning	NOUN
ajbmeb-393	26	8	of	of	ADP
ajbmeb-393	26	9	the	the	DET
ajbmeb-393	26	10	current	current	ADJ
ajbmeb-393	26	11	century	century	NOUN
ajbmeb-393	26	12	,	,	PUNCT
ajbmeb-393	26	13	the	the	DET
ajbmeb-393	26	14	world	world	NOUN
ajbmeb-393	26	15	has	have	AUX
ajbmeb-393	26	16	been	be	AUX
ajbmeb-393	26	17	witnessing	witness	VERB
ajbmeb-393	26	18	an	an	DET
ajbmeb-393	26	19	increasing	increase	VERB
ajbmeb-393	26	20	technological	technological	ADJ
ajbmeb-393	26	21	,	,	PUNCT
ajbmeb-393	26	22	information	information	NOUN
ajbmeb-393	26	23	and	and	CCONJ
ajbmeb-393	26	24	digital	digital	ADJ
ajbmeb-393	26	25	boom	boom	NOUN
ajbmeb-393	26	26	,	,	PUNCT
ajbmeb-393	26	27	which	which	PRON
ajbmeb-393	26	28	has	have	AUX
ajbmeb-393	26	29	greatly	greatly	ADV
ajbmeb-393	26	30	affected	affect	VERB
ajbmeb-393	26	31	most	most	ADJ
ajbmeb-393	26	32	business	business	NOUN
ajbmeb-393	26	33	sectors	sector	NOUN
ajbmeb-393	26	34	.	.	PUNCT
ajbmeb-393	27	1	this	this	DET
ajbmeb-393	27	2	boom	boom	NOUN
ajbmeb-393	27	3	contributed	contribute	VERB
ajbmeb-393	27	4	to	to	ADP
ajbmeb-393	27	5	the	the	DET
ajbmeb-393	27	6	development	development	NOUN
ajbmeb-393	27	7	of	of	ADP
ajbmeb-393	27	8	digital	digital	ADJ
ajbmeb-393	27	9	systems	system	NOUN
ajbmeb-393	27	10	,	,	PUNCT
ajbmeb-393	27	11	databases	database	NOUN
ajbmeb-393	27	12	,	,	PUNCT
ajbmeb-393	27	13	websites	website	NOUN
ajbmeb-393	27	14	and	and	CCONJ
ajbmeb-393	27	15	other	other	ADJ
ajbmeb-393	27	16	media	medium	NOUN
ajbmeb-393	27	17	,	,	PUNCT
ajbmeb-393	27	18	which	which	PRON
ajbmeb-393	27	19	changed	change	VERB
ajbmeb-393	27	20	the	the	DET
ajbmeb-393	27	21	nature	nature	NOUN
ajbmeb-393	27	22	of	of	ADP
ajbmeb-393	27	23	business	business	NOUN
ajbmeb-393	27	24	and	and	CCONJ
ajbmeb-393	27	25	economic	economic	ADJ
ajbmeb-393	27	26	sectors	sector	NOUN
ajbmeb-393	27	27	as	as	ADP
ajbmeb-393	27	28	a	a	DET
ajbmeb-393	27	29	whole	whole	ADJ
ajbmeb-393	27	30	(	(	PUNCT
ajbmeb-393	27	31	alghizzawi	alghizzawi	NOUN
ajbmeb-393	27	32	,	,	PUNCT
ajbmeb-393	27	33	2019	2019	NUM
ajbmeb-393	27	34	)	)	PUNCT
ajbmeb-393	27	35	.	.	PUNCT
ajbmeb-393	28	1	accordingly	accordingly	ADV
ajbmeb-393	28	2	,	,	PUNCT
ajbmeb-393	28	3	information	information	NOUN
ajbmeb-393	28	4	technology	technology	NOUN
ajbmeb-393	28	5	has	have	AUX
ajbmeb-393	28	6	entered	enter	VERB
ajbmeb-393	28	7	all	all	DET
ajbmeb-393	28	8	areas	area	NOUN
ajbmeb-393	28	9	of	of	ADP
ajbmeb-393	28	10	practical	practical	ADJ
ajbmeb-393	28	11	life	life	NOUN
ajbmeb-393	28	12	,	,	PUNCT
ajbmeb-393	28	13	as	as	SCONJ
ajbmeb-393	28	14	it	it	PRON
ajbmeb-393	28	15	has	have	AUX
ajbmeb-393	28	16	entered	enter	VERB
ajbmeb-393	28	17	all	all	DET
ajbmeb-393	28	18	sectors	sector	NOUN
ajbmeb-393	28	19	of	of	ADP
ajbmeb-393	28	20	the	the	DET
ajbmeb-393	28	21	economy	economy	NOUN
ajbmeb-393	28	22	,	,	PUNCT
ajbmeb-393	28	23	and	and	CCONJ
ajbmeb-393	28	24	has	have	AUX
ajbmeb-393	28	25	overlapped	overlap	VERB
ajbmeb-393	28	26	with	with	ADP
ajbmeb-393	28	27	all	all	DET
ajbmeb-393	28	28	administrative	administrative	ADJ
ajbmeb-393	28	29	,	,	PUNCT
ajbmeb-393	28	30	technical	technical	ADJ
ajbmeb-393	28	31	and	and	CCONJ
ajbmeb-393	28	32	informatics	informatic	NOUN
ajbmeb-393	28	33	jobs	job	NOUN
ajbmeb-393	28	34	.	.	PUNCT
ajbmeb-393	29	1	as	as	SCONJ
ajbmeb-393	29	2	it	it	PRON
ajbmeb-393	29	3	has	have	AUX
ajbmeb-393	29	4	become	become	VERB
ajbmeb-393	29	5	an	an	DET
ajbmeb-393	29	6	indispensable	indispensable	ADJ
ajbmeb-393	29	7	factor	factor	NOUN
ajbmeb-393	29	8	in	in	ADP
ajbmeb-393	29	9	the	the	DET
ajbmeb-393	29	10	business	business	NOUN
ajbmeb-393	29	11	environment	environment	NOUN
ajbmeb-393	29	12	,	,	PUNCT
ajbmeb-393	29	13	by	by	ADP
ajbmeb-393	29	14	integrating	integrate	VERB
ajbmeb-393	29	15	it	it	PRON
ajbmeb-393	29	16	with	with	ADP
ajbmeb-393	29	17	the	the	DET
ajbmeb-393	29	18	main	main	ADJ
ajbmeb-393	29	19	administrative	administrative	ADJ
ajbmeb-393	29	20	functions	function	NOUN
ajbmeb-393	29	21	such	such	ADJ
ajbmeb-393	29	22	as	as	ADP
ajbmeb-393	29	23	planning	planning	NOUN
ajbmeb-393	29	24	,	,	PUNCT
ajbmeb-393	29	25	organizing	organize	VERB
ajbmeb-393	29	26	,	,	PUNCT
ajbmeb-393	29	27	commanding	commanding	NOUN
ajbmeb-393	29	28	and	and	CCONJ
ajbmeb-393	29	29	controlling	control	VERB
ajbmeb-393	29	30	,	,	PUNCT
ajbmeb-393	29	31	and	and	CCONJ
ajbmeb-393	29	32	through	through	ADP
ajbmeb-393	29	33	the	the	DET
ajbmeb-393	29	34	emergence	emergence	NOUN
ajbmeb-393	29	35	of	of	ADP
ajbmeb-393	29	36	artificial	artificial	ADJ
ajbmeb-393	29	37	intelligence	intelligence	NOUN
ajbmeb-393	29	38	systems	system	NOUN
ajbmeb-393	29	39	,	,	PUNCT
ajbmeb-393	29	40	computerized	computerized	ADJ
ajbmeb-393	29	41	systems	system	NOUN
ajbmeb-393	29	42	and	and	CCONJ
ajbmeb-393	29	43	expert	expert	NOUN
ajbmeb-393	29	44	systems	system	NOUN
ajbmeb-393	29	45	(	(	PUNCT
ajbmeb-393	29	46	rahi	rahi	NOUN
ajbmeb-393	29	47	et	et	PROPN
ajbmeb-393	29	48	al	al	PROPN
ajbmeb-393	29	49	.	.	PROPN
ajbmeb-393	29	50	,	,	PUNCT
ajbmeb-393	29	51	2019	2019	NUM
ajbmeb-393	29	52	)	)	PUNCT
ajbmeb-393	29	53	.	.	PUNCT
ajbmeb-393	30	1	thus	thus	ADV
ajbmeb-393	30	2	,	,	PUNCT
ajbmeb-393	30	3	these	these	DET
ajbmeb-393	30	4	systems	system	NOUN
ajbmeb-393	30	5	can	can	AUX
ajbmeb-393	30	6	make	make	VERB
ajbmeb-393	30	7	it	it	PRON
ajbmeb-393	30	8	easier	easy	ADJ
ajbmeb-393	30	9	for	for	SCONJ
ajbmeb-393	30	10	the	the	DET
ajbmeb-393	30	11	company	company	NOUN
ajbmeb-393	30	12	to	to	PART
ajbmeb-393	30	13	achieve	achieve	VERB
ajbmeb-393	30	14	the	the	DET
ajbmeb-393	30	15	required	require	VERB
ajbmeb-393	30	16	financial	financial	ADJ
ajbmeb-393	30	17	performance	performance	NOUN
ajbmeb-393	30	18	,	,	PUNCT
ajbmeb-393	30	19	so	so	SCONJ
ajbmeb-393	30	20	that	that	SCONJ
ajbmeb-393	30	21	technology	technology	NOUN
ajbmeb-393	30	22	helps	help	VERB
ajbmeb-393	30	23	reduce	reduce	VERB
ajbmeb-393	30	24	the	the	DET
ajbmeb-393	30	25	american	american	ADJ
ajbmeb-393	30	26	journal	journal	PROPN
ajbmeb-393	30	27	of	of	ADP
ajbmeb-393	30	28	business	business	NOUN
ajbmeb-393	30	29	management	management	NOUN
ajbmeb-393	30	30	,	,	PUNCT
ajbmeb-393	30	31	economics	economic	NOUN
ajbmeb-393	30	32	and	and	CCONJ
ajbmeb-393	30	33	banking	banking	NOUN
ajbmeb-393	30	34	volume	volume	NOUN
ajbmeb-393	30	35	9	9	NUM
ajbmeb-393	30	36	feb	feb	X
ajbmeb-393	30	37	.	.	PROPN
ajbmeb-393	30	38	,	,	PUNCT
ajbmeb-393	30	39	2023	2023	NUM
ajbmeb-393	30	40	p	p	NOUN
ajbmeb-393	31	1	a	a	DET
ajbmeb-393	31	2	g	g	NOUN
ajbmeb-393	31	3	e	e	NOUN
ajbmeb-393	31	4	|	|	ADV
ajbmeb-393	31	5	13	13	NUM
ajbmeb-393	31	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	31	7	time	time	NOUN
ajbmeb-393	31	8	and	and	CCONJ
ajbmeb-393	31	9	effort	effort	NOUN
ajbmeb-393	31	10	specified	specify	VERB
ajbmeb-393	31	11	to	to	PART
ajbmeb-393	31	12	achieve	achieve	VERB
ajbmeb-393	31	13	the	the	DET
ajbmeb-393	31	14	company	company	NOUN
ajbmeb-393	31	15	's	's	PART
ajbmeb-393	31	16	vision	vision	NOUN
ajbmeb-393	31	17	of	of	ADP
ajbmeb-393	31	18	goals	goal	NOUN
ajbmeb-393	31	19	,	,	PUNCT
ajbmeb-393	31	20	in	in	ADP
ajbmeb-393	31	21	terms	term	NOUN
ajbmeb-393	31	22	of	of	ADP
ajbmeb-393	31	23	time	time	NOUN
ajbmeb-393	31	24	or	or	CCONJ
ajbmeb-393	31	25	spatial	spatial	ADJ
ajbmeb-393	31	26	framework	framework	NOUN
ajbmeb-393	31	27	,	,	PUNCT
ajbmeb-393	31	28	or	or	CCONJ
ajbmeb-393	31	29	even	even	ADV
ajbmeb-393	31	30	in	in	ADP
ajbmeb-393	31	31	terms	term	NOUN
ajbmeb-393	31	32	of	of	ADP
ajbmeb-393	31	33	organizing	organize	VERB
ajbmeb-393	31	34	resources	resource	NOUN
ajbmeb-393	31	35	(	(	PUNCT
ajbmeb-393	31	36	suryono	suryono	VERB
ajbmeb-393	31	37	et	et	PROPN
ajbmeb-393	31	38	al	al	PROPN
ajbmeb-393	31	39	.	.	PROPN
ajbmeb-393	31	40	,	,	PUNCT
ajbmeb-393	31	41	2020	2020	NUM
ajbmeb-393	31	42	)	)	PUNCT
ajbmeb-393	31	43	.	.	PUNCT
ajbmeb-393	32	1	the	the	DET
ajbmeb-393	32	2	development	development	NOUN
ajbmeb-393	32	3	of	of	ADP
ajbmeb-393	32	4	information	information	NOUN
ajbmeb-393	32	5	technology	technology	NOUN
ajbmeb-393	32	6	systems	system	NOUN
ajbmeb-393	32	7	has	have	AUX
ajbmeb-393	32	8	led	lead	VERB
ajbmeb-393	32	9	to	to	ADP
ajbmeb-393	32	10	the	the	DET
ajbmeb-393	32	11	emergence	emergence	NOUN
ajbmeb-393	32	12	of	of	ADP
ajbmeb-393	32	13	many	many	ADJ
ajbmeb-393	32	14	influences	influence	NOUN
ajbmeb-393	32	15	,	,	PUNCT
ajbmeb-393	32	16	which	which	PRON
ajbmeb-393	32	17	are	be	AUX
ajbmeb-393	32	18	reflected	reflect	VERB
ajbmeb-393	32	19	in	in	ADP
ajbmeb-393	32	20	the	the	DET
ajbmeb-393	32	21	policies	policy	NOUN
ajbmeb-393	32	22	and	and	CCONJ
ajbmeb-393	32	23	structures	structure	NOUN
ajbmeb-393	32	24	of	of	ADP
ajbmeb-393	32	25	organizational	organizational	ADJ
ajbmeb-393	32	26	companies	company	NOUN
ajbmeb-393	32	27	,	,	PUNCT
ajbmeb-393	32	28	as	as	SCONJ
ajbmeb-393	32	29	these	these	DET
ajbmeb-393	32	30	systems	system	NOUN
ajbmeb-393	32	31	have	have	AUX
ajbmeb-393	32	32	become	become	VERB
ajbmeb-393	32	33	an	an	DET
ajbmeb-393	32	34	essential	essential	ADJ
ajbmeb-393	32	35	part	part	NOUN
ajbmeb-393	32	36	of	of	ADP
ajbmeb-393	32	37	achieving	achieve	VERB
ajbmeb-393	32	38	the	the	DET
ajbmeb-393	32	39	competitive	competitive	ADJ
ajbmeb-393	32	40	advantage	advantage	NOUN
ajbmeb-393	32	41	of	of	ADP
ajbmeb-393	32	42	organizations	organization	NOUN
ajbmeb-393	32	43	,	,	PUNCT
ajbmeb-393	32	44	through	through	ADP
ajbmeb-393	32	45	the	the	DET
ajbmeb-393	32	46	emergence	emergence	NOUN
ajbmeb-393	32	47	of	of	ADP
ajbmeb-393	32	48	web	web	NOUN
ajbmeb-393	32	49	applications	application	NOUN
ajbmeb-393	32	50	and	and	CCONJ
ajbmeb-393	32	51	websites	website	NOUN
ajbmeb-393	32	52	,	,	PUNCT
ajbmeb-393	32	53	in	in	ADP
ajbmeb-393	32	54	addition	addition	NOUN
ajbmeb-393	32	55	to	to	ADP
ajbmeb-393	32	56	smart	smart	ADJ
ajbmeb-393	32	57	devices	device	NOUN
ajbmeb-393	32	58	and	and	CCONJ
ajbmeb-393	32	59	their	their	PRON
ajbmeb-393	32	60	applications	application	NOUN
ajbmeb-393	32	61	,	,	PUNCT
ajbmeb-393	32	62	which	which	PRON
ajbmeb-393	32	63	led	lead	VERB
ajbmeb-393	32	64	to	to	ADP
ajbmeb-393	32	65	the	the	DET
ajbmeb-393	32	66	emergence	emergence	NOUN
ajbmeb-393	32	67	of	of	ADP
ajbmeb-393	32	68	new	new	ADJ
ajbmeb-393	32	69	frameworks	framework	NOUN
ajbmeb-393	32	70	to	to	PART
ajbmeb-393	32	71	compete	compete	VERB
ajbmeb-393	32	72	using	use	VERB
ajbmeb-393	32	73	for	for	ADP
ajbmeb-393	32	74	online	online	ADJ
ajbmeb-393	32	75	marketing	marketing	NOUN
ajbmeb-393	32	76	,	,	PUNCT
ajbmeb-393	32	77	recruitment	recruitment	NOUN
ajbmeb-393	32	78	or	or	CCONJ
ajbmeb-393	32	79	customer	customer	NOUN
ajbmeb-393	32	80	relationship	relationship	NOUN
ajbmeb-393	32	81	management	management	NOUN
ajbmeb-393	32	82	(	(	PUNCT
ajbmeb-393	32	83	abushareah	abushareah	PROPN
ajbmeb-393	32	84	&	&	CCONJ
ajbmeb-393	32	85	mohamed	mohamed	PROPN
ajbmeb-393	32	86	naim	naim	PROPN
ajbmeb-393	32	87	,	,	PUNCT
ajbmeb-393	32	88	2015	2015	NUM
ajbmeb-393	32	89	)	)	PUNCT
ajbmeb-393	32	90	.	.	PUNCT
ajbmeb-393	33	1	on	on	ADP
ajbmeb-393	33	2	the	the	DET
ajbmeb-393	33	3	other	other	ADJ
ajbmeb-393	33	4	hand	hand	NOUN
ajbmeb-393	33	5	,	,	PUNCT
ajbmeb-393	33	6	the	the	DET
ajbmeb-393	33	7	banking	banking	NOUN
ajbmeb-393	33	8	industry	industry	NOUN
ajbmeb-393	33	9	is	be	AUX
ajbmeb-393	33	10	one	one	NUM
ajbmeb-393	33	11	of	of	ADP
ajbmeb-393	33	12	the	the	DET
ajbmeb-393	33	13	most	most	ADV
ajbmeb-393	33	14	important	important	ADJ
ajbmeb-393	33	15	economic	economic	ADJ
ajbmeb-393	33	16	sectors	sector	NOUN
ajbmeb-393	33	17	,	,	PUNCT
ajbmeb-393	33	18	and	and	CCONJ
ajbmeb-393	33	19	one	one	NUM
ajbmeb-393	33	20	of	of	ADP
ajbmeb-393	33	21	the	the	DET
ajbmeb-393	33	22	most	most	ADV
ajbmeb-393	33	23	important	important	ADJ
ajbmeb-393	33	24	macroeconomic	macroeconomic	ADJ
ajbmeb-393	33	25	drivers	driver	NOUN
ajbmeb-393	33	26	for	for	ADP
ajbmeb-393	33	27	any	any	DET
ajbmeb-393	33	28	country	country	NOUN
ajbmeb-393	33	29	in	in	ADP
ajbmeb-393	33	30	the	the	DET
ajbmeb-393	33	31	world	world	NOUN
ajbmeb-393	33	32	.	.	PUNCT
ajbmeb-393	34	1	because	because	SCONJ
ajbmeb-393	34	2	of	of	ADP
ajbmeb-393	34	3	this	this	DET
ajbmeb-393	34	4	importance	importance	NOUN
ajbmeb-393	34	5	,	,	PUNCT
ajbmeb-393	34	6	the	the	DET
ajbmeb-393	34	7	banking	banking	NOUN
ajbmeb-393	34	8	industry	industry	NOUN
ajbmeb-393	34	9	may	may	AUX
ajbmeb-393	34	10	need	need	VERB
ajbmeb-393	34	11	to	to	PART
ajbmeb-393	34	12	constantly	constantly	ADV
ajbmeb-393	34	13	evolve	evolve	VERB
ajbmeb-393	34	14	and	and	CCONJ
ajbmeb-393	34	15	update	update	VERB
ajbmeb-393	34	16	,	,	PUNCT
ajbmeb-393	34	17	and	and	CCONJ
ajbmeb-393	34	18	keep	keep	VERB
ajbmeb-393	34	19	up	up	ADP
ajbmeb-393	34	20	with	with	ADP
ajbmeb-393	34	21	all	all	DET
ajbmeb-393	34	22	the	the	DET
ajbmeb-393	34	23	updates	update	NOUN
ajbmeb-393	34	24	in	in	ADP
ajbmeb-393	34	25	the	the	DET
ajbmeb-393	34	26	information	information	NOUN
ajbmeb-393	34	27	and	and	CCONJ
ajbmeb-393	34	28	communication	communication	NOUN
ajbmeb-393	34	29	technology	technology	NOUN
ajbmeb-393	34	30	and	and	CCONJ
ajbmeb-393	34	31	electronic	electronic	ADJ
ajbmeb-393	34	32	fields	field	NOUN
ajbmeb-393	34	33	.	.	PUNCT
ajbmeb-393	35	1	this	this	PRON
ajbmeb-393	35	2	is	be	AUX
ajbmeb-393	35	3	why	why	SCONJ
ajbmeb-393	35	4	banks	bank	NOUN
ajbmeb-393	35	5	tend	tend	VERB
ajbmeb-393	35	6	to	to	PART
ajbmeb-393	35	7	focus	focus	VERB
ajbmeb-393	35	8	on	on	ADP
ajbmeb-393	35	9	the	the	DET
ajbmeb-393	35	10	digital	digital	ADJ
ajbmeb-393	35	11	environment	environment	NOUN
ajbmeb-393	35	12	,	,	PUNCT
ajbmeb-393	35	13	to	to	PART
ajbmeb-393	35	14	gain	gain	VERB
ajbmeb-393	35	15	a	a	DET
ajbmeb-393	35	16	competitive	competitive	ADJ
ajbmeb-393	35	17	advantage	advantage	NOUN
ajbmeb-393	35	18	,	,	PUNCT
ajbmeb-393	35	19	especially	especially	ADV
ajbmeb-393	35	20	in	in	ADP
ajbmeb-393	35	21	a	a	DET
ajbmeb-393	35	22	competitive	competitive	ADJ
ajbmeb-393	35	23	banking	banking	NOUN
ajbmeb-393	35	24	environment	environment	NOUN
ajbmeb-393	35	25	where	where	SCONJ
ajbmeb-393	35	26	many	many	ADJ
ajbmeb-393	35	27	investors	investor	NOUN
ajbmeb-393	35	28	are	be	AUX
ajbmeb-393	35	29	attracted	attract	VERB
ajbmeb-393	35	30	towards	towards	ADP
ajbmeb-393	35	31	banks	bank	NOUN
ajbmeb-393	35	32	as	as	ADP
ajbmeb-393	35	33	an	an	DET
ajbmeb-393	35	34	investment	investment	NOUN
ajbmeb-393	35	35	(	(	PUNCT
ajbmeb-393	35	36	kustiningsih	kustiningsih	NOUN
ajbmeb-393	35	37	et	et	PROPN
ajbmeb-393	35	38	al	al	PROPN
ajbmeb-393	35	39	.	.	PROPN
ajbmeb-393	35	40	,	,	PUNCT
ajbmeb-393	35	41	2020	2020	NUM
ajbmeb-393	35	42	;	;	PUNCT
ajbmeb-393	35	43	lehyeh	lehyeh	PROPN
ajbmeb-393	35	44	et	et	PROPN
ajbmeb-393	35	45	al	al	PROPN
ajbmeb-393	35	46	.	.	PROPN
ajbmeb-393	35	47	,	,	PUNCT
ajbmeb-393	35	48	2020	2020	NUM
ajbmeb-393	35	49	)	)	PUNCT
ajbmeb-393	35	50	.	.	PUNCT
ajbmeb-393	36	1	2.1	2.1	NUM
ajbmeb-393	36	2	financial	financial	ADJ
ajbmeb-393	36	3	technology	technology	NOUN
ajbmeb-393	36	4	with	with	ADP
ajbmeb-393	36	5	the	the	DET
ajbmeb-393	36	6	rapid	rapid	ADJ
ajbmeb-393	36	7	development	development	NOUN
ajbmeb-393	36	8	of	of	ADP
ajbmeb-393	36	9	banking	banking	NOUN
ajbmeb-393	36	10	services	service	NOUN
ajbmeb-393	36	11	,	,	PUNCT
ajbmeb-393	36	12	the	the	DET
ajbmeb-393	36	13	increase	increase	NOUN
ajbmeb-393	36	14	in	in	ADP
ajbmeb-393	36	15	competitiveness	competitiveness	NOUN
ajbmeb-393	36	16	,	,	PUNCT
ajbmeb-393	36	17	the	the	DET
ajbmeb-393	36	18	massive	massive	ADJ
ajbmeb-393	36	19	expansion	expansion	NOUN
ajbmeb-393	36	20	in	in	ADP
ajbmeb-393	36	21	the	the	DET
ajbmeb-393	36	22	quality	quality	NOUN
ajbmeb-393	36	23	of	of	ADP
ajbmeb-393	36	24	banking	banking	NOUN
ajbmeb-393	36	25	services	service	NOUN
ajbmeb-393	36	26	,	,	PUNCT
ajbmeb-393	36	27	and	and	CCONJ
ajbmeb-393	36	28	the	the	DET
ajbmeb-393	36	29	increasing	increase	VERB
ajbmeb-393	36	30	difficulties	difficulty	NOUN
ajbmeb-393	36	31	of	of	ADP
ajbmeb-393	36	32	entering	enter	VERB
ajbmeb-393	36	33	the	the	DET
ajbmeb-393	36	34	financial	financial	ADJ
ajbmeb-393	36	35	services	service	NOUN
ajbmeb-393	36	36	market	market	NOUN
ajbmeb-393	36	37	,	,	PUNCT
ajbmeb-393	36	38	banks	bank	NOUN
ajbmeb-393	36	39	have	have	AUX
ajbmeb-393	36	40	become	become	VERB
ajbmeb-393	36	41	required	require	VERB
ajbmeb-393	36	42	to	to	PART
ajbmeb-393	36	43	continuously	continuously	ADV
ajbmeb-393	36	44	develop	develop	VERB
ajbmeb-393	36	45	services	service	NOUN
ajbmeb-393	36	46	and	and	CCONJ
ajbmeb-393	36	47	the	the	DET
ajbmeb-393	36	48	way	way	NOUN
ajbmeb-393	36	49	they	they	PRON
ajbmeb-393	36	50	provide	provide	VERB
ajbmeb-393	36	51	these	these	DET
ajbmeb-393	36	52	services	service	NOUN
ajbmeb-393	36	53	.	.	PUNCT
ajbmeb-393	37	1	where	where	SCONJ
ajbmeb-393	37	2	distinction	distinction	NOUN
ajbmeb-393	37	3	is	be	AUX
ajbmeb-393	37	4	no	no	ADV
ajbmeb-393	37	5	longer	long	ADV
ajbmeb-393	37	6	limited	limit	VERB
ajbmeb-393	37	7	to	to	ADP
ajbmeb-393	37	8	the	the	DET
ajbmeb-393	37	9	type	type	NOUN
ajbmeb-393	37	10	of	of	ADP
ajbmeb-393	37	11	service	service	NOUN
ajbmeb-393	37	12	or	or	CCONJ
ajbmeb-393	37	13	its	its	PRON
ajbmeb-393	37	14	novelty	novelty	NOUN
ajbmeb-393	37	15	,	,	PUNCT
ajbmeb-393	37	16	but	but	CCONJ
ajbmeb-393	37	17	rather	rather	ADV
ajbmeb-393	37	18	to	to	ADP
ajbmeb-393	37	19	the	the	DET
ajbmeb-393	37	20	method	method	NOUN
ajbmeb-393	37	21	in	in	ADP
ajbmeb-393	37	22	which	which	PRON
ajbmeb-393	37	23	the	the	DET
ajbmeb-393	37	24	service	service	NOUN
ajbmeb-393	37	25	is	be	AUX
ajbmeb-393	37	26	provided	provide	VERB
ajbmeb-393	37	27	to	to	ADP
ajbmeb-393	37	28	customers	customer	NOUN
ajbmeb-393	37	29	(	(	PUNCT
ajbmeb-393	37	30	higgins	higgins	PROPN
ajbmeb-393	37	31	et	et	PROPN
ajbmeb-393	37	32	al	al	PROPN
ajbmeb-393	37	33	.	.	PROPN
ajbmeb-393	37	34	,	,	PUNCT
ajbmeb-393	37	35	2019	2019	NUM
ajbmeb-393	37	36	)	)	PUNCT
ajbmeb-393	37	37	.	.	PUNCT
ajbmeb-393	38	1	and	and	CCONJ
ajbmeb-393	38	2	since	since	SCONJ
ajbmeb-393	38	3	this	this	DET
ajbmeb-393	38	4	era	era	NOUN
ajbmeb-393	38	5	is	be	AUX
ajbmeb-393	38	6	characterized	characterize	VERB
ajbmeb-393	38	7	by	by	ADP
ajbmeb-393	38	8	tremendous	tremendous	ADJ
ajbmeb-393	38	9	speed	speed	NOUN
ajbmeb-393	38	10	,	,	PUNCT
ajbmeb-393	38	11	it	it	PRON
ajbmeb-393	38	12	is	be	AUX
ajbmeb-393	38	13	imperative	imperative	ADJ
ajbmeb-393	38	14	for	for	ADP
ajbmeb-393	38	15	all	all	DET
ajbmeb-393	38	16	sectors	sector	NOUN
ajbmeb-393	38	17	,	,	PUNCT
ajbmeb-393	38	18	especially	especially	ADV
ajbmeb-393	38	19	the	the	DET
ajbmeb-393	38	20	banking	banking	NOUN
ajbmeb-393	38	21	sector	sector	NOUN
ajbmeb-393	38	22	,	,	PUNCT
ajbmeb-393	38	23	to	to	PART
ajbmeb-393	38	24	keep	keep	VERB
ajbmeb-393	38	25	pace	pace	NOUN
ajbmeb-393	38	26	with	with	ADP
ajbmeb-393	38	27	this	this	DET
ajbmeb-393	38	28	speed	speed	NOUN
ajbmeb-393	38	29	in	in	ADP
ajbmeb-393	38	30	its	its	PRON
ajbmeb-393	38	31	services	service	NOUN
ajbmeb-393	38	32	.	.	PUNCT
ajbmeb-393	39	1	speed	speed	NOUN
ajbmeb-393	39	2	is	be	AUX
ajbmeb-393	39	3	currently	currently	ADV
ajbmeb-393	39	4	linked	link	VERB
ajbmeb-393	39	5	to	to	ADP
ajbmeb-393	39	6	information	information	NOUN
ajbmeb-393	39	7	technology	technology	NOUN
ajbmeb-393	39	8	,	,	PUNCT
ajbmeb-393	39	9	as	as	ADP
ajbmeb-393	39	10	obtaining	obtain	VERB
ajbmeb-393	39	11	the	the	DET
ajbmeb-393	39	12	advantage	advantage	NOUN
ajbmeb-393	39	13	of	of	ADP
ajbmeb-393	39	14	speed	speed	NOUN
ajbmeb-393	39	15	requires	require	VERB
ajbmeb-393	39	16	excellence	excellence	NOUN
ajbmeb-393	39	17	in	in	ADP
ajbmeb-393	39	18	technological	technological	ADJ
ajbmeb-393	39	19	and	and	CCONJ
ajbmeb-393	39	20	digital	digital	ADJ
ajbmeb-393	39	21	systems	system	NOUN
ajbmeb-393	39	22	,	,	PUNCT
ajbmeb-393	39	23	and	and	CCONJ
ajbmeb-393	39	24	the	the	DET
ajbmeb-393	39	25	development	development	NOUN
ajbmeb-393	39	26	of	of	ADP
ajbmeb-393	39	27	digital	digital	ADJ
ajbmeb-393	39	28	infrastructure	infrastructure	NOUN
ajbmeb-393	39	29	in	in	ADP
ajbmeb-393	39	30	order	order	NOUN
ajbmeb-393	39	31	to	to	PART
ajbmeb-393	39	32	be	be	AUX
ajbmeb-393	39	33	able	able	ADJ
ajbmeb-393	39	34	to	to	PART
ajbmeb-393	39	35	keep	keep	VERB
ajbmeb-393	39	36	pace	pace	NOUN
ajbmeb-393	39	37	with	with	ADP
ajbmeb-393	39	38	the	the	DET
ajbmeb-393	39	39	continuous	continuous	ADJ
ajbmeb-393	39	40	development	development	NOUN
ajbmeb-393	39	41	in	in	ADP
ajbmeb-393	39	42	banking	banking	NOUN
ajbmeb-393	39	43	services	service	NOUN
ajbmeb-393	39	44	(	(	PUNCT
ajbmeb-393	39	45	almuhaisen	almuhaisen	PROPN
ajbmeb-393	39	46	et	et	PROPN
ajbmeb-393	39	47	al	al	PROPN
ajbmeb-393	39	48	.	.	PROPN
ajbmeb-393	39	49	,	,	PUNCT
ajbmeb-393	39	50	2020	2020	NUM
ajbmeb-393	39	51	)	)	PUNCT
ajbmeb-393	39	52	.	.	PUNCT
ajbmeb-393	40	1	any	any	DET
ajbmeb-393	40	2	financial	financial	ADJ
ajbmeb-393	40	3	transaction	transaction	NOUN
ajbmeb-393	40	4	or	or	CCONJ
ajbmeb-393	40	5	service	service	NOUN
ajbmeb-393	40	6	provided	provide	VERB
ajbmeb-393	40	7	to	to	ADP
ajbmeb-393	40	8	the	the	DET
ajbmeb-393	40	9	customer	customer	NOUN
ajbmeb-393	40	10	,	,	PUNCT
ajbmeb-393	40	11	through	through	ADP
ajbmeb-393	40	12	various	various	ADJ
ajbmeb-393	40	13	information	information	NOUN
ajbmeb-393	40	14	technology	technology	NOUN
ajbmeb-393	40	15	means	mean	VERB
ajbmeb-393	40	16	,	,	PUNCT
ajbmeb-393	40	17	is	be	AUX
ajbmeb-393	40	18	considered	consider	VERB
ajbmeb-393	40	19	a	a	DET
ajbmeb-393	40	20	digital	digital	ADJ
ajbmeb-393	40	21	transaction	transaction	NOUN
ajbmeb-393	40	22	.	.	PUNCT
ajbmeb-393	41	1	because	because	SCONJ
ajbmeb-393	41	2	of	of	ADP
ajbmeb-393	41	3	this	this	DET
ajbmeb-393	41	4	great	great	ADJ
ajbmeb-393	41	5	diversity	diversity	NOUN
ajbmeb-393	41	6	and	and	CCONJ
ajbmeb-393	41	7	flexibility	flexibility	NOUN
ajbmeb-393	41	8	in	in	ADP
ajbmeb-393	41	9	the	the	DET
ajbmeb-393	41	10	concept	concept	NOUN
ajbmeb-393	41	11	of	of	ADP
ajbmeb-393	41	12	digital	digital	ADJ
ajbmeb-393	41	13	transactions	transaction	NOUN
ajbmeb-393	41	14	,	,	PUNCT
ajbmeb-393	41	15	this	this	PRON
ajbmeb-393	41	16	is	be	AUX
ajbmeb-393	41	17	what	what	PRON
ajbmeb-393	41	18	makes	make	VERB
ajbmeb-393	41	19	developing	develop	VERB
ajbmeb-393	41	20	a	a	DET
ajbmeb-393	41	21	clear	clear	ADJ
ajbmeb-393	41	22	concept	concept	NOUN
ajbmeb-393	41	23	of	of	ADP
ajbmeb-393	41	24	financial	financial	ADJ
ajbmeb-393	41	25	technology	technology	NOUN
ajbmeb-393	41	26	complex	complex	NOUN
ajbmeb-393	41	27	.	.	PUNCT
ajbmeb-393	42	1	however	however	ADV
ajbmeb-393	42	2	,	,	PUNCT
ajbmeb-393	42	3	it	it	PRON
ajbmeb-393	42	4	is	be	AUX
ajbmeb-393	42	5	clear	clear	ADJ
ajbmeb-393	42	6	that	that	SCONJ
ajbmeb-393	42	7	it	it	PRON
ajbmeb-393	42	8	is	be	AUX
ajbmeb-393	42	9	directly	directly	ADV
ajbmeb-393	42	10	related	relate	VERB
ajbmeb-393	42	11	to	to	ADP
ajbmeb-393	42	12	the	the	DET
ajbmeb-393	42	13	concept	concept	NOUN
ajbmeb-393	42	14	of	of	ADP
ajbmeb-393	42	15	electronic	electronic	ADJ
ajbmeb-393	42	16	services	service	NOUN
ajbmeb-393	42	17	.	.	PUNCT
ajbmeb-393	43	1	electronic	electronic	ADJ
ajbmeb-393	43	2	services	service	NOUN
ajbmeb-393	43	3	provided	provide	VERB
ajbmeb-393	43	4	in	in	ADP
ajbmeb-393	43	5	the	the	DET
ajbmeb-393	43	6	financial	financial	ADJ
ajbmeb-393	43	7	sector	sector	NOUN
ajbmeb-393	43	8	are	be	AUX
ajbmeb-393	43	9	the	the	DET
ajbmeb-393	43	10	means	mean	NOUN
ajbmeb-393	43	11	through	through	ADP
ajbmeb-393	43	12	which	which	PRON
ajbmeb-393	43	13	financial	financial	ADJ
ajbmeb-393	43	14	technology	technology	NOUN
ajbmeb-393	43	15	is	be	AUX
ajbmeb-393	43	16	applied	apply	VERB
ajbmeb-393	43	17	on	on	ADP
ajbmeb-393	43	18	the	the	DET
ajbmeb-393	43	19	ground	ground	NOUN
ajbmeb-393	43	20	.	.	PUNCT
ajbmeb-393	44	1	therefore	therefore	ADV
ajbmeb-393	44	2	,	,	PUNCT
ajbmeb-393	44	3	it	it	PRON
ajbmeb-393	44	4	is	be	AUX
ajbmeb-393	44	5	necessary	necessary	ADJ
ajbmeb-393	44	6	to	to	PART
ajbmeb-393	44	7	link	link	VERB
ajbmeb-393	44	8	financial	financial	ADJ
ajbmeb-393	44	9	technology	technology	NOUN
ajbmeb-393	44	10	with	with	ADP
ajbmeb-393	44	11	electronic	electronic	ADJ
ajbmeb-393	44	12	financial	financial	ADJ
ajbmeb-393	44	13	services	service	NOUN
ajbmeb-393	44	14	(	(	PUNCT
ajbmeb-393	44	15	habes	habe	NOUN
ajbmeb-393	44	16	et	et	PROPN
ajbmeb-393	44	17	al	al	PROPN
ajbmeb-393	44	18	.	.	PROPN
ajbmeb-393	44	19	,	,	PUNCT
ajbmeb-393	44	20	2021	2021	NUM
ajbmeb-393	44	21	;	;	PUNCT
ajbmeb-393	44	22	saghier	saghier	NOUN
ajbmeb-393	44	23	&	&	CCONJ
ajbmeb-393	44	24	nathan	nathan	PROPN
ajbmeb-393	44	25	,	,	PUNCT
ajbmeb-393	44	26	2013	2013	NUM
ajbmeb-393	44	27	)	)	PUNCT
ajbmeb-393	44	28	.	.	PUNCT
ajbmeb-393	45	1	according	accord	VERB
ajbmeb-393	45	2	to	to	ADP
ajbmeb-393	45	3	(	(	PUNCT
ajbmeb-393	45	4	garg	garg	PROPN
ajbmeb-393	45	5	et	et	PROPN
ajbmeb-393	45	6	al	al	PROPN
ajbmeb-393	45	7	.	.	PROPN
ajbmeb-393	45	8	,	,	PUNCT
ajbmeb-393	45	9	2021	2021	NUM
ajbmeb-393	45	10	)	)	PUNCT
ajbmeb-393	45	11	,	,	PUNCT
ajbmeb-393	45	12	financial	financial	ADJ
ajbmeb-393	45	13	technology	technology	NOUN
ajbmeb-393	45	14	has	have	AUX
ajbmeb-393	45	15	gained	gain	VERB
ajbmeb-393	45	16	great	great	ADJ
ajbmeb-393	45	17	importance	importance	NOUN
ajbmeb-393	45	18	over	over	ADP
ajbmeb-393	45	19	the	the	DET
ajbmeb-393	45	20	past	past	ADJ
ajbmeb-393	45	21	years	year	NOUN
ajbmeb-393	45	22	,	,	PUNCT
ajbmeb-393	45	23	especially	especially	ADV
ajbmeb-393	45	24	in	in	ADP
ajbmeb-393	45	25	light	light	NOUN
ajbmeb-393	45	26	of	of	ADP
ajbmeb-393	45	27	the	the	DET
ajbmeb-393	45	28	continuous	continuous	ADJ
ajbmeb-393	45	29	acceleration	acceleration	NOUN
ajbmeb-393	45	30	in	in	ADP
ajbmeb-393	45	31	the	the	DET
ajbmeb-393	45	32	pace	pace	NOUN
ajbmeb-393	45	33	of	of	ADP
ajbmeb-393	45	34	digital	digital	ADJ
ajbmeb-393	45	35	and	and	CCONJ
ajbmeb-393	45	36	informational	informational	ADJ
ajbmeb-393	45	37	development	development	NOUN
ajbmeb-393	45	38	,	,	PUNCT
ajbmeb-393	45	39	and	and	CCONJ
ajbmeb-393	45	40	financial	financial	ADJ
ajbmeb-393	45	41	technology	technology	NOUN
ajbmeb-393	45	42	seeks	seek	VERB
ajbmeb-393	45	43	to	to	PART
ajbmeb-393	45	44	achieve	achieve	VERB
ajbmeb-393	45	45	many	many	ADJ
ajbmeb-393	45	46	goals	goal	NOUN
ajbmeb-393	45	47	:	:	PUNCT
ajbmeb-393	45	48	1	1	X
ajbmeb-393	45	49	.	.	X
ajbmeb-393	45	50	speed	speed	NOUN
ajbmeb-393	45	51	this	this	DET
ajbmeb-393	45	52	era	era	NOUN
ajbmeb-393	45	53	is	be	AUX
ajbmeb-393	45	54	called	call	VERB
ajbmeb-393	45	55	the	the	DET
ajbmeb-393	45	56	era	era	NOUN
ajbmeb-393	45	57	of	of	ADP
ajbmeb-393	45	58	speed	speed	NOUN
ajbmeb-393	45	59	,	,	PUNCT
ajbmeb-393	45	60	as	as	SCONJ
ajbmeb-393	45	61	speed	speed	NOUN
ajbmeb-393	45	62	has	have	AUX
ajbmeb-393	45	63	become	become	VERB
ajbmeb-393	45	64	one	one	NUM
ajbmeb-393	45	65	of	of	ADP
ajbmeb-393	45	66	the	the	DET
ajbmeb-393	45	67	most	most	ADV
ajbmeb-393	45	68	important	important	ADJ
ajbmeb-393	45	69	requirements	requirement	NOUN
ajbmeb-393	45	70	in	in	ADP
ajbmeb-393	45	71	the	the	DET
ajbmeb-393	45	72	labor	labor	NOUN
ajbmeb-393	45	73	market	market	NOUN
ajbmeb-393	45	74	(	(	PUNCT
ajbmeb-393	45	75	alsamirae	alsamirae	NOUN
ajbmeb-393	45	76	et	et	PROPN
ajbmeb-393	45	77	al	al	PROPN
ajbmeb-393	45	78	.	.	PROPN
ajbmeb-393	45	79	,	,	PUNCT
ajbmeb-393	45	80	2020	2020	NUM
ajbmeb-393	45	81	)	)	PUNCT
ajbmeb-393	45	82	.	.	PUNCT
ajbmeb-393	46	1	the	the	DET
ajbmeb-393	46	2	accelerating	accelerate	VERB
ajbmeb-393	46	3	pace	pace	NOUN
ajbmeb-393	46	4	of	of	ADP
ajbmeb-393	46	5	the	the	DET
ajbmeb-393	46	6	economic	economic	ADJ
ajbmeb-393	46	7	wheel	wheel	NOUN
ajbmeb-393	46	8	and	and	CCONJ
ajbmeb-393	46	9	the	the	DET
ajbmeb-393	46	10	expansion	expansion	NOUN
ajbmeb-393	46	11	of	of	ADP
ajbmeb-393	46	12	the	the	DET
ajbmeb-393	46	13	concept	concept	NOUN
ajbmeb-393	46	14	of	of	ADP
ajbmeb-393	46	15	the	the	DET
ajbmeb-393	46	16	digital	digital	ADJ
ajbmeb-393	46	17	economy	economy	NOUN
ajbmeb-393	46	18	have	have	AUX
ajbmeb-393	46	19	made	make	VERB
ajbmeb-393	46	20	the	the	DET
ajbmeb-393	46	21	speed	speed	NOUN
ajbmeb-393	46	22	factor	factor	NOUN
ajbmeb-393	46	23	an	an	DET
ajbmeb-393	46	24	indispensable	indispensable	ADJ
ajbmeb-393	46	25	requirement	requirement	NOUN
ajbmeb-393	46	26	in	in	ADP
ajbmeb-393	46	27	economic	economic	ADJ
ajbmeb-393	46	28	and	and	CCONJ
ajbmeb-393	46	29	financial	financial	ADJ
ajbmeb-393	46	30	transactions(dash	transactions(dash	PROPN
ajbmeb-393	46	31	&	&	CCONJ
ajbmeb-393	46	32	sharma	sharma	PROPN
ajbmeb-393	46	33	,	,	PUNCT
ajbmeb-393	46	34	2022	2022	NUM
ajbmeb-393	46	35	)	)	PUNCT
ajbmeb-393	46	36	.	.	PUNCT
ajbmeb-393	47	1	this	this	DET
ajbmeb-393	47	2	requirement	requirement	NOUN
ajbmeb-393	47	3	,	,	PUNCT
ajbmeb-393	47	4	in	in	ADP
ajbmeb-393	47	5	addition	addition	NOUN
ajbmeb-393	47	6	to	to	ADP
ajbmeb-393	47	7	the	the	DET
ajbmeb-393	47	8	great	great	ADJ
ajbmeb-393	47	9	importance	importance	NOUN
ajbmeb-393	47	10	and	and	CCONJ
ajbmeb-393	47	11	continuous	continuous	ADJ
ajbmeb-393	47	12	and	and	CCONJ
ajbmeb-393	47	13	large	large	ADJ
ajbmeb-393	47	14	demand	demand	NOUN
ajbmeb-393	47	15	for	for	ADP
ajbmeb-393	47	16	banking	banking	NOUN
ajbmeb-393	47	17	services	service	NOUN
ajbmeb-393	47	18	,	,	PUNCT
ajbmeb-393	47	19	made	make	VERB
ajbmeb-393	47	20	the	the	DET
ajbmeb-393	47	21	banking	banking	NOUN
ajbmeb-393	47	22	sector	sector	NOUN
ajbmeb-393	47	23	go	go	VERB
ajbmeb-393	47	24	towards	towards	ADP
ajbmeb-393	47	25	accelerating	accelerate	VERB
ajbmeb-393	47	26	the	the	DET
ajbmeb-393	47	27	pace	pace	NOUN
ajbmeb-393	47	28	of	of	ADP
ajbmeb-393	47	29	its	its	PRON
ajbmeb-393	47	30	business	business	NOUN
ajbmeb-393	47	31	through	through	ADP
ajbmeb-393	47	32	the	the	DET
ajbmeb-393	47	33	use	use	NOUN
ajbmeb-393	47	34	of	of	ADP
ajbmeb-393	47	35	information	information	NOUN
ajbmeb-393	47	36	technology	technology	NOUN
ajbmeb-393	47	37	means	mean	VERB
ajbmeb-393	47	38	,	,	PUNCT
ajbmeb-393	47	39	and	and	CCONJ
ajbmeb-393	47	40	providing	provide	VERB
ajbmeb-393	47	41	american	american	ADJ
ajbmeb-393	47	42	journal	journal	PROPN
ajbmeb-393	47	43	of	of	ADP
ajbmeb-393	47	44	business	business	NOUN
ajbmeb-393	47	45	management	management	NOUN
ajbmeb-393	47	46	,	,	PUNCT
ajbmeb-393	47	47	economics	economic	NOUN
ajbmeb-393	47	48	and	and	CCONJ
ajbmeb-393	47	49	banking	banking	NOUN
ajbmeb-393	47	50	volume	volume	NOUN
ajbmeb-393	47	51	9	9	NUM
ajbmeb-393	47	52	feb	feb	X
ajbmeb-393	47	53	.	.	PROPN
ajbmeb-393	47	54	,	,	PUNCT
ajbmeb-393	47	55	2023	2023	NUM
ajbmeb-393	47	56	p	p	NOUN
ajbmeb-393	47	57	a	a	DET
ajbmeb-393	47	58	g	g	NOUN
ajbmeb-393	47	59	e	e	NOUN
ajbmeb-393	47	60	|	|	ADV
ajbmeb-393	47	61	14	14	NUM
ajbmeb-393	47	62	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	47	63	electronic	electronic	ADJ
ajbmeb-393	47	64	services	service	NOUN
ajbmeb-393	47	65	that	that	PRON
ajbmeb-393	47	66	made	make	VERB
ajbmeb-393	47	67	the	the	DET
ajbmeb-393	47	68	service	service	NOUN
ajbmeb-393	47	69	completion	completion	NOUN
ajbmeb-393	47	70	time	time	NOUN
ajbmeb-393	47	71	faster	fast	ADV
ajbmeb-393	47	72	and	and	CCONJ
ajbmeb-393	47	73	easier	easy	ADJ
ajbmeb-393	47	74	,	,	PUNCT
ajbmeb-393	47	75	which	which	PRON
ajbmeb-393	47	76	increased	increase	VERB
ajbmeb-393	47	77	the	the	DET
ajbmeb-393	47	78	pace	pace	NOUN
ajbmeb-393	47	79	of	of	ADP
ajbmeb-393	47	80	banking	banking	NOUN
ajbmeb-393	47	81	transactions	transaction	NOUN
ajbmeb-393	47	82	and	and	CCONJ
ajbmeb-393	47	83	made	make	VERB
ajbmeb-393	47	84	the	the	DET
ajbmeb-393	47	85	operational	operational	ADJ
ajbmeb-393	47	86	cycle	cycle	NOUN
ajbmeb-393	47	87	of	of	ADP
ajbmeb-393	47	88	banks	bank	NOUN
ajbmeb-393	47	89	faster	fast	ADV
ajbmeb-393	47	90	than	than	ADP
ajbmeb-393	47	91	before	before	ADV
ajbmeb-393	47	92	(	(	PUNCT
ajbmeb-393	47	93	rabaa’i	rabaa’i	NOUN
ajbmeb-393	47	94	,	,	PUNCT
ajbmeb-393	47	95	2021	2021	NUM
ajbmeb-393	47	96	;	;	PUNCT
ajbmeb-393	47	97	rahi	rahi	NOUN
ajbmeb-393	47	98	et	et	PROPN
ajbmeb-393	47	99	al	al	PROPN
ajbmeb-393	47	100	.	.	PROPN
ajbmeb-393	47	101	,	,	PUNCT
ajbmeb-393	47	102	2020	2020	NUM
ajbmeb-393	47	103	)	)	PUNCT
ajbmeb-393	47	104	.	.	PUNCT
ajbmeb-393	48	1	2	2	X
ajbmeb-393	48	2	.	.	X
ajbmeb-393	48	3	cost	cost	NOUN
ajbmeb-393	48	4	reduction	reduction	NOUN
ajbmeb-393	48	5	the	the	DET
ajbmeb-393	48	6	maximization	maximization	NOUN
ajbmeb-393	48	7	of	of	ADP
ajbmeb-393	48	8	economic	economic	ADJ
ajbmeb-393	48	9	benefit	benefit	NOUN
ajbmeb-393	48	10	is	be	AUX
ajbmeb-393	48	11	considered	consider	VERB
ajbmeb-393	48	12	the	the	DET
ajbmeb-393	48	13	primary	primary	ADJ
ajbmeb-393	48	14	goal	goal	NOUN
ajbmeb-393	48	15	of	of	ADP
ajbmeb-393	48	16	the	the	DET
ajbmeb-393	48	17	banking	banking	NOUN
ajbmeb-393	48	18	sector	sector	NOUN
ajbmeb-393	48	19	;	;	PUNCT
ajbmeb-393	48	20	given	give	VERB
ajbmeb-393	48	21	that	that	SCONJ
ajbmeb-393	48	22	they	they	PRON
ajbmeb-393	48	23	are	be	AUX
ajbmeb-393	48	24	primarily	primarily	ADV
ajbmeb-393	48	25	profitable	profitable	ADJ
ajbmeb-393	48	26	institutions	institution	NOUN
ajbmeb-393	48	27	.	.	PUNCT
ajbmeb-393	49	1	therefore	therefore	ADV
ajbmeb-393	49	2	,	,	PUNCT
ajbmeb-393	49	3	obtaining	obtain	VERB
ajbmeb-393	49	4	the	the	DET
ajbmeb-393	49	5	highest	high	ADJ
ajbmeb-393	49	6	level	level	NOUN
ajbmeb-393	49	7	of	of	ADP
ajbmeb-393	49	8	profit	profit	NOUN
ajbmeb-393	49	9	necessarily	necessarily	ADV
ajbmeb-393	49	10	requires	require	VERB
ajbmeb-393	49	11	a	a	DET
ajbmeb-393	49	12	reduction	reduction	NOUN
ajbmeb-393	49	13	in	in	ADP
ajbmeb-393	49	14	costs	cost	NOUN
ajbmeb-393	49	15	,	,	PUNCT
ajbmeb-393	49	16	as	as	SCONJ
ajbmeb-393	49	17	reducing	reduce	VERB
ajbmeb-393	49	18	costs	cost	NOUN
ajbmeb-393	49	19	generates	generate	VERB
ajbmeb-393	49	20	a	a	DET
ajbmeb-393	49	21	higher	high	ADJ
ajbmeb-393	49	22	profit	profit	NOUN
ajbmeb-393	49	23	.	.	PUNCT
ajbmeb-393	50	1	technology	technology	NOUN
ajbmeb-393	50	2	is	be	AUX
ajbmeb-393	50	3	one	one	NUM
ajbmeb-393	50	4	of	of	ADP
ajbmeb-393	50	5	the	the	DET
ajbmeb-393	50	6	most	most	ADV
ajbmeb-393	50	7	important	important	ADJ
ajbmeb-393	50	8	means	mean	NOUN
ajbmeb-393	50	9	used	use	VERB
ajbmeb-393	50	10	by	by	ADP
ajbmeb-393	50	11	banks	bank	NOUN
ajbmeb-393	50	12	to	to	PART
ajbmeb-393	50	13	reduce	reduce	VERB
ajbmeb-393	50	14	costs	cost	NOUN
ajbmeb-393	50	15	(	(	PUNCT
ajbmeb-393	50	16	alghizzawi	alghizzawi	PROPN
ajbmeb-393	50	17	&	&	CCONJ
ajbmeb-393	50	18	habes	habe	NOUN
ajbmeb-393	50	19	,	,	PUNCT
ajbmeb-393	50	20	2020	2020	NUM
ajbmeb-393	50	21	)	)	PUNCT
ajbmeb-393	50	22	.	.	PUNCT
ajbmeb-393	51	1	the	the	DET
ajbmeb-393	51	2	introduction	introduction	NOUN
ajbmeb-393	51	3	of	of	ADP
ajbmeb-393	51	4	technology	technology	NOUN
ajbmeb-393	51	5	has	have	AUX
ajbmeb-393	51	6	made	make	VERB
ajbmeb-393	51	7	working	work	VERB
ajbmeb-393	51	8	hours	hour	NOUN
ajbmeb-393	51	9	more	more	ADV
ajbmeb-393	51	10	productive	productive	ADJ
ajbmeb-393	51	11	.	.	PUNCT
ajbmeb-393	52	1	transactions	transaction	NOUN
ajbmeb-393	52	2	that	that	PRON
ajbmeb-393	52	3	used	use	VERB
ajbmeb-393	52	4	to	to	PART
ajbmeb-393	52	5	take	take	VERB
ajbmeb-393	52	6	hours	hour	NOUN
ajbmeb-393	52	7	to	to	PART
ajbmeb-393	52	8	complete	complete	VERB
ajbmeb-393	52	9	are	be	AUX
ajbmeb-393	52	10	now	now	ADV
ajbmeb-393	52	11	completed	complete	VERB
ajbmeb-393	52	12	electronically	electronically	ADV
ajbmeb-393	52	13	within	within	ADP
ajbmeb-393	52	14	a	a	DET
ajbmeb-393	52	15	few	few	ADJ
ajbmeb-393	52	16	minutes	minute	NOUN
ajbmeb-393	52	17	.	.	PUNCT
ajbmeb-393	53	1	on	on	ADP
ajbmeb-393	53	2	the	the	DET
ajbmeb-393	53	3	other	other	ADJ
ajbmeb-393	53	4	hand	hand	NOUN
ajbmeb-393	53	5	,	,	PUNCT
ajbmeb-393	53	6	technology	technology	NOUN
ajbmeb-393	53	7	has	have	AUX
ajbmeb-393	53	8	provided	provide	VERB
ajbmeb-393	53	9	the	the	DET
ajbmeb-393	53	10	use	use	NOUN
ajbmeb-393	53	11	of	of	ADP
ajbmeb-393	53	12	many	many	ADJ
ajbmeb-393	53	13	office	office	NOUN
ajbmeb-393	53	14	supplies	supply	NOUN
ajbmeb-393	53	15	in	in	ADP
ajbmeb-393	53	16	banks	bank	NOUN
ajbmeb-393	53	17	,	,	PUNCT
ajbmeb-393	53	18	in	in	ADP
ajbmeb-393	53	19	addition	addition	NOUN
ajbmeb-393	53	20	to	to	ADP
ajbmeb-393	53	21	its	its	PRON
ajbmeb-393	53	22	ability	ability	NOUN
ajbmeb-393	53	23	to	to	PART
ajbmeb-393	53	24	reduce	reduce	VERB
ajbmeb-393	53	25	staff	staff	NOUN
ajbmeb-393	53	26	costs	cost	NOUN
ajbmeb-393	53	27	,	,	PUNCT
ajbmeb-393	53	28	by	by	ADP
ajbmeb-393	53	29	reducing	reduce	VERB
ajbmeb-393	53	30	the	the	DET
ajbmeb-393	53	31	number	number	NOUN
ajbmeb-393	53	32	of	of	ADP
ajbmeb-393	53	33	employees	employee	NOUN
ajbmeb-393	53	34	who	who	PRON
ajbmeb-393	53	35	have	have	AUX
ajbmeb-393	53	36	been	be	AUX
ajbmeb-393	53	37	replaced	replace	VERB
ajbmeb-393	53	38	by	by	ADP
ajbmeb-393	53	39	technology	technology	NOUN
ajbmeb-393	53	40	,	,	PUNCT
ajbmeb-393	53	41	or	or	CCONJ
ajbmeb-393	53	42	enabling	enable	VERB
ajbmeb-393	53	43	employees	employee	NOUN
ajbmeb-393	53	44	to	to	PART
ajbmeb-393	53	45	work	work	VERB
ajbmeb-393	53	46	remotely	remotely	ADV
ajbmeb-393	53	47	without	without	ADP
ajbmeb-393	53	48	the	the	DET
ajbmeb-393	53	49	need	need	NOUN
ajbmeb-393	53	50	to	to	PART
ajbmeb-393	53	51	use	use	VERB
ajbmeb-393	53	52	bank	bank	NOUN
ajbmeb-393	53	53	facilities	facility	NOUN
ajbmeb-393	53	54	that	that	PRON
ajbmeb-393	53	55	would	would	AUX
ajbmeb-393	53	56	save	save	VERB
ajbmeb-393	53	57	some	some	DET
ajbmeb-393	53	58	operating	operating	NOUN
ajbmeb-393	53	59	expenses	expense	NOUN
ajbmeb-393	53	60	on	on	ADP
ajbmeb-393	53	61	the	the	DET
ajbmeb-393	53	62	bank	bank	NOUN
ajbmeb-393	53	63	.	.	PUNCT
ajbmeb-393	54	1	this	this	PRON
ajbmeb-393	54	2	means	mean	VERB
ajbmeb-393	54	3	that	that	SCONJ
ajbmeb-393	54	4	the	the	DET
ajbmeb-393	54	5	use	use	NOUN
ajbmeb-393	54	6	of	of	ADP
ajbmeb-393	54	7	financial	financial	ADJ
ajbmeb-393	54	8	technology	technology	NOUN
ajbmeb-393	54	9	has	have	AUX
ajbmeb-393	54	10	greatly	greatly	ADV
ajbmeb-393	54	11	contributed	contribute	VERB
ajbmeb-393	54	12	to	to	ADP
ajbmeb-393	54	13	reducing	reduce	VERB
ajbmeb-393	54	14	costs	cost	NOUN
ajbmeb-393	54	15	resulting	result	VERB
ajbmeb-393	54	16	from	from	ADP
ajbmeb-393	54	17	human	human	ADJ
ajbmeb-393	54	18	error	error	NOUN
ajbmeb-393	54	19	(	(	PUNCT
ajbmeb-393	54	20	hua	hua	PROPN
ajbmeb-393	54	21	et	et	PROPN
ajbmeb-393	54	22	al	al	PROPN
ajbmeb-393	54	23	.	.	PROPN
ajbmeb-393	54	24	,	,	PUNCT
ajbmeb-393	54	25	2019	2019	NUM
ajbmeb-393	54	26	;	;	PUNCT
ajbmeb-393	54	27	tsai	tsai	PROPN
ajbmeb-393	54	28	et	et	PROPN
ajbmeb-393	54	29	al	al	PROPN
ajbmeb-393	54	30	.	.	PROPN
ajbmeb-393	54	31	,	,	PUNCT
ajbmeb-393	54	32	2021	2021	NUM
ajbmeb-393	54	33	)	)	PUNCT
ajbmeb-393	54	34	.	.	PUNCT
ajbmeb-393	55	1	3	3	X
ajbmeb-393	55	2	.	.	X
ajbmeb-393	55	3	increasing	increase	VERB
ajbmeb-393	55	4	banking	banking	NOUN
ajbmeb-393	55	5	security	security	NOUN
ajbmeb-393	55	6	,	,	PUNCT
ajbmeb-393	55	7	privacy	privacy	NOUN
ajbmeb-393	55	8	and	and	CCONJ
ajbmeb-393	55	9	transparency	transparency	NOUN
ajbmeb-393	55	10	many	many	ADJ
ajbmeb-393	55	11	people	people	NOUN
ajbmeb-393	55	12	feel	feel	VERB
ajbmeb-393	55	13	insecure	insecure	ADJ
ajbmeb-393	55	14	when	when	SCONJ
ajbmeb-393	55	15	dealing	deal	VERB
ajbmeb-393	55	16	with	with	ADP
ajbmeb-393	55	17	banking	banking	NOUN
ajbmeb-393	55	18	transactions	transaction	NOUN
ajbmeb-393	55	19	,	,	PUNCT
ajbmeb-393	55	20	especially	especially	ADV
ajbmeb-393	55	21	in	in	ADP
ajbmeb-393	55	22	light	light	NOUN
ajbmeb-393	55	23	of	of	ADP
ajbmeb-393	55	24	the	the	DET
ajbmeb-393	55	25	fear	fear	NOUN
ajbmeb-393	55	26	of	of	ADP
ajbmeb-393	55	27	being	be	AUX
ajbmeb-393	55	28	robbed	rob	VERB
ajbmeb-393	55	29	if	if	SCONJ
ajbmeb-393	55	30	carrying	carry	VERB
ajbmeb-393	55	31	amounts	amount	NOUN
ajbmeb-393	55	32	to	to	ADP
ajbmeb-393	55	33	deposit	deposit	NOUN
ajbmeb-393	55	34	or	or	CCONJ
ajbmeb-393	55	35	transfer	transfer	VERB
ajbmeb-393	55	36	them	they	PRON
ajbmeb-393	55	37	through	through	ADP
ajbmeb-393	55	38	banks	bank	NOUN
ajbmeb-393	55	39	.	.	PUNCT
ajbmeb-393	56	1	fintech	fintech	NOUN
ajbmeb-393	56	2	has	have	AUX
ajbmeb-393	56	3	improved	improve	VERB
ajbmeb-393	56	4	security	security	NOUN
ajbmeb-393	56	5	in	in	ADP
ajbmeb-393	56	6	this	this	DET
ajbmeb-393	56	7	aspect	aspect	NOUN
ajbmeb-393	56	8	.	.	PUNCT
ajbmeb-393	57	1	on	on	ADP
ajbmeb-393	57	2	the	the	DET
ajbmeb-393	57	3	other	other	ADJ
ajbmeb-393	57	4	hand	hand	NOUN
ajbmeb-393	57	5	,	,	PUNCT
ajbmeb-393	57	6	it	it	PRON
ajbmeb-393	57	7	has	have	AUX
ajbmeb-393	57	8	reduced	reduce	VERB
ajbmeb-393	57	9	the	the	DET
ajbmeb-393	57	10	process	process	NOUN
ajbmeb-393	57	11	of	of	ADP
ajbmeb-393	57	12	losing	lose	VERB
ajbmeb-393	57	13	evidence	evidence	NOUN
ajbmeb-393	57	14	.	.	PUNCT
ajbmeb-393	58	1	the	the	DET
ajbmeb-393	58	2	notice	notice	NOUN
ajbmeb-393	58	3	of	of	ADP
ajbmeb-393	58	4	obtaining	obtain	VERB
ajbmeb-393	58	5	the	the	DET
ajbmeb-393	58	6	service	service	NOUN
ajbmeb-393	58	7	reaches	reach	VERB
ajbmeb-393	58	8	the	the	DET
ajbmeb-393	58	9	customer	customer	NOUN
ajbmeb-393	58	10	through	through	ADP
ajbmeb-393	58	11	his	his	PRON
ajbmeb-393	58	12	phone	phone	NOUN
ajbmeb-393	58	13	number	number	NOUN
ajbmeb-393	58	14	,	,	PUNCT
ajbmeb-393	58	15	including	include	VERB
ajbmeb-393	58	16	the	the	DET
ajbmeb-393	58	17	details	detail	NOUN
ajbmeb-393	58	18	,	,	PUNCT
ajbmeb-393	58	19	amount	amount	NOUN
ajbmeb-393	58	20	and	and	CCONJ
ajbmeb-393	58	21	fees	fee	NOUN
ajbmeb-393	58	22	of	of	ADP
ajbmeb-393	58	23	the	the	DET
ajbmeb-393	58	24	service	service	NOUN
ajbmeb-393	58	25	obtained	obtain	VERB
ajbmeb-393	58	26	.	.	PUNCT
ajbmeb-393	59	1	this	this	PRON
ajbmeb-393	59	2	made	make	VERB
ajbmeb-393	59	3	the	the	DET
ajbmeb-393	59	4	issue	issue	NOUN
ajbmeb-393	59	5	of	of	ADP
ajbmeb-393	59	6	transparency	transparency	NOUN
ajbmeb-393	59	7	more	more	ADV
ajbmeb-393	59	8	clear	clear	ADJ
ajbmeb-393	59	9	,	,	PUNCT
ajbmeb-393	59	10	so	so	SCONJ
ajbmeb-393	59	11	that	that	SCONJ
ajbmeb-393	59	12	the	the	DET
ajbmeb-393	59	13	customer	customer	NOUN
ajbmeb-393	59	14	carries	carry	VERB
ajbmeb-393	59	15	these	these	DET
ajbmeb-393	59	16	proofs	proof	NOUN
ajbmeb-393	59	17	and	and	CCONJ
ajbmeb-393	59	18	information	information	NOUN
ajbmeb-393	59	19	on	on	ADP
ajbmeb-393	59	20	his	his	PRON
ajbmeb-393	59	21	phone	phone	NOUN
ajbmeb-393	59	22	wherever	wherever	SCONJ
ajbmeb-393	59	23	he	he	PRON
ajbmeb-393	59	24	goes	go	VERB
ajbmeb-393	59	25	(	(	PUNCT
ajbmeb-393	59	26	al	al	PROPN
ajbmeb-393	59	27	-	-	PUNCT
ajbmeb-393	59	28	majali	majali	PROPN
ajbmeb-393	59	29	&	&	CCONJ
ajbmeb-393	59	30	bashabsheh	bashabsheh	PROPN
ajbmeb-393	59	31	,	,	PUNCT
ajbmeb-393	59	32	2016	2016	NUM
ajbmeb-393	59	33	)	)	PUNCT
ajbmeb-393	59	34	.	.	PUNCT
ajbmeb-393	60	1	as	as	ADP
ajbmeb-393	60	2	for	for	ADP
ajbmeb-393	60	3	privacy	privacy	NOUN
ajbmeb-393	60	4	,	,	PUNCT
ajbmeb-393	60	5	it	it	PRON
ajbmeb-393	60	6	is	be	AUX
ajbmeb-393	60	7	one	one	NUM
ajbmeb-393	60	8	of	of	ADP
ajbmeb-393	60	9	the	the	DET
ajbmeb-393	60	10	most	most	ADV
ajbmeb-393	60	11	important	important	ADJ
ajbmeb-393	60	12	characteristics	characteristic	NOUN
ajbmeb-393	60	13	that	that	SCONJ
ajbmeb-393	60	14	the	the	DET
ajbmeb-393	60	15	customer	customer	NOUN
ajbmeb-393	60	16	is	be	AUX
ajbmeb-393	60	17	looking	look	VERB
ajbmeb-393	60	18	for	for	ADP
ajbmeb-393	60	19	in	in	ADP
ajbmeb-393	60	20	banking	banking	NOUN
ajbmeb-393	60	21	services	service	NOUN
ajbmeb-393	60	22	,	,	PUNCT
ajbmeb-393	60	23	as	as	SCONJ
ajbmeb-393	60	24	the	the	DET
ajbmeb-393	60	25	use	use	NOUN
ajbmeb-393	60	26	of	of	ADP
ajbmeb-393	60	27	financial	financial	ADJ
ajbmeb-393	60	28	technology	technology	NOUN
ajbmeb-393	60	29	has	have	AUX
ajbmeb-393	60	30	facilitated	facilitate	VERB
ajbmeb-393	60	31	access	access	NOUN
ajbmeb-393	60	32	to	to	ADP
ajbmeb-393	60	33	banking	banking	NOUN
ajbmeb-393	60	34	privacy	privacy	NOUN
ajbmeb-393	60	35	and	and	CCONJ
ajbmeb-393	60	36	secrecy	secrecy	NOUN
ajbmeb-393	60	37	,	,	PUNCT
ajbmeb-393	60	38	as	as	SCONJ
ajbmeb-393	60	39	some	some	DET
ajbmeb-393	60	40	customers	customer	NOUN
ajbmeb-393	60	41	believe	believe	VERB
ajbmeb-393	60	42	that	that	SCONJ
ajbmeb-393	60	43	going	go	VERB
ajbmeb-393	60	44	to	to	ADP
ajbmeb-393	60	45	the	the	DET
ajbmeb-393	60	46	bank	bank	NOUN
ajbmeb-393	60	47	's	's	PART
ajbmeb-393	60	48	headquarters	headquarters	NOUN
ajbmeb-393	60	49	poses	pose	VERB
ajbmeb-393	60	50	a	a	DET
ajbmeb-393	60	51	threat	threat	NOUN
ajbmeb-393	60	52	to	to	ADP
ajbmeb-393	60	53	their	their	PRON
ajbmeb-393	60	54	banking	banking	NOUN
ajbmeb-393	60	55	privacy	privacy	NOUN
ajbmeb-393	60	56	,	,	PUNCT
ajbmeb-393	60	57	given	give	VERB
ajbmeb-393	60	58	that	that	SCONJ
ajbmeb-393	60	59	many	many	ADJ
ajbmeb-393	60	60	people	people	NOUN
ajbmeb-393	60	61	can	can	AUX
ajbmeb-393	60	62	they	they	PRON
ajbmeb-393	60	63	know	know	VERB
ajbmeb-393	60	64	the	the	DET
ajbmeb-393	60	65	nature	nature	NOUN
ajbmeb-393	60	66	of	of	ADP
ajbmeb-393	60	67	the	the	DET
ajbmeb-393	60	68	service	service	NOUN
ajbmeb-393	60	69	they	they	PRON
ajbmeb-393	60	70	want	want	VERB
ajbmeb-393	60	71	to	to	PART
ajbmeb-393	60	72	obtain	obtain	VERB
ajbmeb-393	60	73	,	,	PUNCT
ajbmeb-393	60	74	whether	whether	SCONJ
ajbmeb-393	60	75	employees	employee	NOUN
ajbmeb-393	60	76	or	or	CCONJ
ajbmeb-393	60	77	customers	customer	NOUN
ajbmeb-393	60	78	by	by	ADP
ajbmeb-393	60	79	chance	chance	NOUN
ajbmeb-393	60	80	or	or	CCONJ
ajbmeb-393	60	81	otherwise	otherwise	ADV
ajbmeb-393	60	82	.	.	PUNCT
ajbmeb-393	61	1	which	which	PRON
ajbmeb-393	61	2	made	make	VERB
ajbmeb-393	61	3	many	many	ADJ
ajbmeb-393	61	4	of	of	ADP
ajbmeb-393	61	5	them	they	PRON
ajbmeb-393	61	6	look	look	VERB
ajbmeb-393	61	7	for	for	ADP
ajbmeb-393	61	8	obtaining	obtain	VERB
ajbmeb-393	61	9	banking	banking	NOUN
ajbmeb-393	61	10	services	service	NOUN
ajbmeb-393	61	11	in	in	ADP
ajbmeb-393	61	12	a	a	DET
ajbmeb-393	61	13	more	more	ADV
ajbmeb-393	61	14	private	private	ADJ
ajbmeb-393	61	15	way	way	NOUN
ajbmeb-393	61	16	,	,	PUNCT
ajbmeb-393	61	17	and	and	CCONJ
ajbmeb-393	61	18	this	this	PRON
ajbmeb-393	61	19	made	make	VERB
ajbmeb-393	61	20	electronic	electronic	ADJ
ajbmeb-393	61	21	financial	financial	ADJ
ajbmeb-393	61	22	services	service	NOUN
ajbmeb-393	61	23	the	the	DET
ajbmeb-393	61	24	ideal	ideal	ADJ
ajbmeb-393	61	25	way	way	NOUN
ajbmeb-393	61	26	to	to	PART
ajbmeb-393	61	27	achieve	achieve	VERB
ajbmeb-393	61	28	this	this	DET
ajbmeb-393	61	29	requirement	requirement	NOUN
ajbmeb-393	61	30	(	(	PUNCT
ajbmeb-393	61	31	asfour	asfour	PROPN
ajbmeb-393	61	32	&	&	CCONJ
ajbmeb-393	61	33	haddad	haddad	PROPN
ajbmeb-393	61	34	,	,	PUNCT
ajbmeb-393	61	35	2014	2014	NUM
ajbmeb-393	61	36	)	)	PUNCT
ajbmeb-393	61	37	.	.	PUNCT
ajbmeb-393	62	1	4	4	X
ajbmeb-393	62	2	.	.	NUM
ajbmeb-393	62	3	increased	increase	VERB
ajbmeb-393	62	4	prevalence	prevalence	NOUN
ajbmeb-393	62	5	one	one	NUM
ajbmeb-393	62	6	of	of	ADP
ajbmeb-393	62	7	the	the	DET
ajbmeb-393	62	8	most	most	ADV
ajbmeb-393	62	9	important	important	ADJ
ajbmeb-393	62	10	goals	goal	NOUN
ajbmeb-393	62	11	that	that	PRON
ajbmeb-393	62	12	banks	bank	NOUN
ajbmeb-393	62	13	are	be	AUX
ajbmeb-393	62	14	looking	look	VERB
ajbmeb-393	62	15	for	for	ADP
ajbmeb-393	62	16	is	be	AUX
ajbmeb-393	62	17	to	to	PART
ajbmeb-393	62	18	expand	expand	VERB
ajbmeb-393	62	19	the	the	DET
ajbmeb-393	62	20	reach	reach	NOUN
ajbmeb-393	62	21	of	of	ADP
ajbmeb-393	62	22	their	their	PRON
ajbmeb-393	62	23	services	service	NOUN
ajbmeb-393	62	24	,	,	PUNCT
ajbmeb-393	62	25	and	and	CCONJ
ajbmeb-393	62	26	to	to	PART
ajbmeb-393	62	27	reach	reach	VERB
ajbmeb-393	62	28	the	the	DET
ajbmeb-393	62	29	largest	large	ADJ
ajbmeb-393	62	30	possible	possible	ADJ
ajbmeb-393	62	31	number	number	NOUN
ajbmeb-393	62	32	of	of	ADP
ajbmeb-393	62	33	customers	customer	NOUN
ajbmeb-393	62	34	(	(	PUNCT
ajbmeb-393	62	35	alalwan	alalwan	NOUN
ajbmeb-393	62	36	et	et	NOUN
ajbmeb-393	62	37	al	al	PROPN
ajbmeb-393	62	38	.	.	PROPN
ajbmeb-393	62	39	,	,	PUNCT
ajbmeb-393	62	40	2017	2017	NUM
ajbmeb-393	62	41	)	)	PUNCT
ajbmeb-393	62	42	.	.	PUNCT
ajbmeb-393	63	1	this	this	PRON
ajbmeb-393	63	2	can	can	AUX
ajbmeb-393	63	3	not	not	PART
ajbmeb-393	63	4	be	be	AUX
ajbmeb-393	63	5	easily	easily	ADV
ajbmeb-393	63	6	achieved	achieve	VERB
ajbmeb-393	63	7	through	through	ADP
ajbmeb-393	63	8	traditional	traditional	ADJ
ajbmeb-393	63	9	means	mean	NOUN
ajbmeb-393	63	10	of	of	ADP
ajbmeb-393	63	11	advertising	advertising	NOUN
ajbmeb-393	63	12	and	and	CCONJ
ajbmeb-393	63	13	marketing	marketing	NOUN
ajbmeb-393	63	14	.	.	PUNCT
ajbmeb-393	64	1	modern	modern	ADJ
ajbmeb-393	64	2	digital	digital	ADJ
ajbmeb-393	64	3	methods	method	NOUN
ajbmeb-393	64	4	have	have	AUX
ajbmeb-393	64	5	enabled	enable	VERB
ajbmeb-393	64	6	companies	company	NOUN
ajbmeb-393	64	7	to	to	PART
ajbmeb-393	64	8	promote	promote	VERB
ajbmeb-393	64	9	their	their	PRON
ajbmeb-393	64	10	services	service	NOUN
ajbmeb-393	64	11	more	more	ADV
ajbmeb-393	64	12	smoothly	smoothly	ADV
ajbmeb-393	64	13	,	,	PUNCT
ajbmeb-393	64	14	ensuring	ensure	VERB
ajbmeb-393	64	15	that	that	SCONJ
ajbmeb-393	64	16	it	it	PRON
ajbmeb-393	64	17	reaches	reach	VERB
ajbmeb-393	64	18	the	the	DET
ajbmeb-393	64	19	largest	large	ADJ
ajbmeb-393	64	20	possible	possible	ADJ
ajbmeb-393	64	21	segment	segment	NOUN
ajbmeb-393	64	22	.	.	PUNCT
ajbmeb-393	65	1	on	on	ADP
ajbmeb-393	65	2	the	the	DET
ajbmeb-393	65	3	other	other	ADJ
ajbmeb-393	65	4	hand	hand	NOUN
ajbmeb-393	65	5	,	,	PUNCT
ajbmeb-393	65	6	delivering	deliver	VERB
ajbmeb-393	65	7	the	the	DET
ajbmeb-393	65	8	service	service	NOUN
ajbmeb-393	65	9	to	to	ADP
ajbmeb-393	65	10	existing	exist	VERB
ajbmeb-393	65	11	customers	customer	NOUN
ajbmeb-393	65	12	has	have	AUX
ajbmeb-393	65	13	become	become	VERB
ajbmeb-393	65	14	easier	easy	ADJ
ajbmeb-393	65	15	than	than	ADP
ajbmeb-393	65	16	before	before	ADV
ajbmeb-393	65	17	,	,	PUNCT
ajbmeb-393	65	18	as	as	SCONJ
ajbmeb-393	65	19	this	this	DET
ajbmeb-393	65	20	financial	financial	ADJ
ajbmeb-393	65	21	technology	technology	NOUN
ajbmeb-393	65	22	spared	spare	VERB
ajbmeb-393	65	23	banks	bank	NOUN
ajbmeb-393	65	24	the	the	DET
ajbmeb-393	65	25	burden	burden	NOUN
ajbmeb-393	65	26	of	of	ADP
ajbmeb-393	65	27	establishing	establish	VERB
ajbmeb-393	65	28	branches	branch	NOUN
ajbmeb-393	65	29	in	in	ADP
ajbmeb-393	65	30	remote	remote	ADJ
ajbmeb-393	65	31	and	and	CCONJ
ajbmeb-393	65	32	remote	remote	ADJ
ajbmeb-393	65	33	areas	area	NOUN
ajbmeb-393	65	34	.	.	PUNCT
ajbmeb-393	66	1	where	where	SCONJ
ajbmeb-393	66	2	customers	customer	NOUN
ajbmeb-393	66	3	in	in	ADP
ajbmeb-393	66	4	those	those	DET
ajbmeb-393	66	5	areas	area	NOUN
ajbmeb-393	66	6	can	can	AUX
ajbmeb-393	66	7	benefit	benefit	VERB
ajbmeb-393	66	8	from	from	ADP
ajbmeb-393	66	9	a	a	DET
ajbmeb-393	66	10	wide	wide	ADJ
ajbmeb-393	66	11	network	network	NOUN
ajbmeb-393	66	12	of	of	ADP
ajbmeb-393	66	13	services	service	NOUN
ajbmeb-393	66	14	,	,	PUNCT
ajbmeb-393	66	15	without	without	ADP
ajbmeb-393	66	16	the	the	DET
ajbmeb-393	66	17	need	need	NOUN
ajbmeb-393	66	18	to	to	PART
ajbmeb-393	66	19	go	go	VERB
ajbmeb-393	66	20	to	to	ADP
ajbmeb-393	66	21	the	the	DET
ajbmeb-393	66	22	bank	bank	NOUN
ajbmeb-393	66	23	branch	branch	NOUN
ajbmeb-393	66	24	(	(	PUNCT
ajbmeb-393	66	25	miskan	miskan	PROPN
ajbmeb-393	66	26	et	et	PROPN
ajbmeb-393	66	27	al	al	PROPN
ajbmeb-393	66	28	.	.	PROPN
ajbmeb-393	66	29	,	,	PUNCT
ajbmeb-393	66	30	2021	2021	NUM
ajbmeb-393	66	31	)	)	PUNCT
ajbmeb-393	66	32	.	.	PUNCT
ajbmeb-393	67	1	american	american	PROPN
ajbmeb-393	67	2	journal	journal	PROPN
ajbmeb-393	67	3	of	of	ADP
ajbmeb-393	67	4	business	business	NOUN
ajbmeb-393	67	5	management	management	NOUN
ajbmeb-393	67	6	,	,	PUNCT
ajbmeb-393	67	7	economics	economic	NOUN
ajbmeb-393	67	8	and	and	CCONJ
ajbmeb-393	67	9	banking	banking	NOUN
ajbmeb-393	67	10	volume	volume	NOUN
ajbmeb-393	67	11	9	9	NUM
ajbmeb-393	67	12	feb	feb	X
ajbmeb-393	67	13	.	.	PROPN
ajbmeb-393	67	14	,	,	PUNCT
ajbmeb-393	67	15	2023	2023	NUM
ajbmeb-393	67	16	p	p	NOUN
ajbmeb-393	67	17	a	a	PRON
ajbmeb-393	67	18	g	g	NOUN
ajbmeb-393	67	19	e	e	NOUN
ajbmeb-393	67	20	|	|	ADV
ajbmeb-393	67	21	15	15	NUM
ajbmeb-393	67	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	67	23	5	5	NUM
ajbmeb-393	67	24	.	.	PUNCT
ajbmeb-393	67	25	comparison	comparison	NOUN
ajbmeb-393	67	26	customer	customer	NOUN
ajbmeb-393	67	27	orientations	orientation	NOUN
ajbmeb-393	67	28	and	and	CCONJ
ajbmeb-393	67	29	preferences	preference	NOUN
ajbmeb-393	67	30	differ	differ	VERB
ajbmeb-393	67	31	according	accord	VERB
ajbmeb-393	67	32	to	to	ADP
ajbmeb-393	67	33	the	the	DET
ajbmeb-393	67	34	customer	customer	NOUN
ajbmeb-393	67	35	's	's	PART
ajbmeb-393	67	36	awareness	awareness	NOUN
ajbmeb-393	67	37	,	,	PUNCT
ajbmeb-393	67	38	and	and	CCONJ
ajbmeb-393	67	39	this	this	PRON
ajbmeb-393	67	40	is	be	AUX
ajbmeb-393	67	41	what	what	PRON
ajbmeb-393	67	42	makes	make	VERB
ajbmeb-393	67	43	customers	customer	NOUN
ajbmeb-393	67	44	turn	turn	VERB
ajbmeb-393	67	45	towards	towards	ADP
ajbmeb-393	67	46	different	different	ADJ
ajbmeb-393	67	47	banks	bank	NOUN
ajbmeb-393	67	48	,	,	PUNCT
ajbmeb-393	67	49	because	because	SCONJ
ajbmeb-393	67	50	of	of	ADP
ajbmeb-393	67	51	their	their	PRON
ajbmeb-393	67	52	admiration	admiration	NOUN
ajbmeb-393	67	53	either	either	CCONJ
ajbmeb-393	67	54	for	for	ADP
ajbmeb-393	67	55	the	the	DET
ajbmeb-393	67	56	policy	policy	NOUN
ajbmeb-393	67	57	or	or	CCONJ
ajbmeb-393	67	58	the	the	DET
ajbmeb-393	67	59	nature	nature	NOUN
ajbmeb-393	67	60	of	of	ADP
ajbmeb-393	67	61	the	the	DET
ajbmeb-393	67	62	services	service	NOUN
ajbmeb-393	67	63	of	of	ADP
ajbmeb-393	67	64	one	one	NUM
ajbmeb-393	67	65	bank	bank	NOUN
ajbmeb-393	67	66	alone	alone	ADV
ajbmeb-393	67	67	.	.	PUNCT
ajbmeb-393	68	1	for	for	ADP
ajbmeb-393	68	2	this	this	DET
ajbmeb-393	68	3	reason	reason	NOUN
ajbmeb-393	68	4	,	,	PUNCT
ajbmeb-393	68	5	the	the	DET
ajbmeb-393	68	6	comparison	comparison	NOUN
ajbmeb-393	68	7	is	be	AUX
ajbmeb-393	68	8	an	an	DET
ajbmeb-393	68	9	important	important	ADJ
ajbmeb-393	68	10	part	part	NOUN
ajbmeb-393	68	11	of	of	ADP
ajbmeb-393	68	12	customers	customer	NOUN
ajbmeb-393	68	13	in	in	ADP
ajbmeb-393	68	14	order	order	NOUN
ajbmeb-393	68	15	to	to	PART
ajbmeb-393	68	16	create	create	VERB
ajbmeb-393	68	17	full	full	ADJ
ajbmeb-393	68	18	awareness	awareness	NOUN
ajbmeb-393	68	19	of	of	ADP
ajbmeb-393	68	20	the	the	DET
ajbmeb-393	68	21	bank	bank	NOUN
ajbmeb-393	68	22	they	they	PRON
ajbmeb-393	68	23	want	want	VERB
ajbmeb-393	68	24	to	to	PART
ajbmeb-393	68	25	deal	deal	VERB
ajbmeb-393	68	26	with	with	ADP
ajbmeb-393	68	27	(	(	PUNCT
ajbmeb-393	68	28	habes	habe	NOUN
ajbmeb-393	68	29	et	et	PROPN
ajbmeb-393	68	30	al	al	PROPN
ajbmeb-393	68	31	.	.	PROPN
ajbmeb-393	68	32	,	,	PUNCT
ajbmeb-393	68	33	2018	2018	NUM
ajbmeb-393	68	34	)	)	PUNCT
ajbmeb-393	68	35	.	.	PUNCT
ajbmeb-393	69	1	financial	financial	ADJ
ajbmeb-393	69	2	technology	technology	NOUN
ajbmeb-393	69	3	has	have	AUX
ajbmeb-393	69	4	enabled	enable	VERB
ajbmeb-393	69	5	bank	bank	NOUN
ajbmeb-393	69	6	customers	customer	NOUN
ajbmeb-393	69	7	,	,	PUNCT
ajbmeb-393	69	8	through	through	ADP
ajbmeb-393	69	9	digital	digital	ADJ
ajbmeb-393	69	10	applications	application	NOUN
ajbmeb-393	69	11	,	,	PUNCT
ajbmeb-393	69	12	whether	whether	SCONJ
ajbmeb-393	69	13	those	those	PRON
ajbmeb-393	69	14	on	on	ADP
ajbmeb-393	69	15	the	the	DET
ajbmeb-393	69	16	internet	internet	NOUN
ajbmeb-393	69	17	or	or	CCONJ
ajbmeb-393	69	18	smart	smart	ADJ
ajbmeb-393	69	19	phone	phone	NOUN
ajbmeb-393	69	20	applications	application	NOUN
ajbmeb-393	69	21	,	,	PUNCT
ajbmeb-393	69	22	to	to	PART
ajbmeb-393	69	23	review	review	VERB
ajbmeb-393	69	24	the	the	DET
ajbmeb-393	69	25	services	service	NOUN
ajbmeb-393	69	26	of	of	ADP
ajbmeb-393	69	27	different	different	ADJ
ajbmeb-393	69	28	banks	bank	NOUN
ajbmeb-393	69	29	,	,	PUNCT
ajbmeb-393	69	30	and	and	CCONJ
ajbmeb-393	69	31	to	to	PART
ajbmeb-393	69	32	determine	determine	VERB
ajbmeb-393	69	33	the	the	DET
ajbmeb-393	69	34	most	most	ADV
ajbmeb-393	69	35	convincing	convincing	ADJ
ajbmeb-393	69	36	for	for	ADP
ajbmeb-393	69	37	them	they	PRON
ajbmeb-393	69	38	,	,	PUNCT
ajbmeb-393	69	39	as	as	SCONJ
ajbmeb-393	69	40	it	it	PRON
ajbmeb-393	69	41	also	also	ADV
ajbmeb-393	69	42	enabled	enable	VERB
ajbmeb-393	69	43	them	they	PRON
ajbmeb-393	69	44	to	to	PART
ajbmeb-393	69	45	compare	compare	VERB
ajbmeb-393	69	46	the	the	DET
ajbmeb-393	69	47	services	service	NOUN
ajbmeb-393	69	48	’	'	PUNCT
ajbmeb-393	69	49	fees	fee	NOUN
ajbmeb-393	69	50	,	,	PUNCT
ajbmeb-393	69	51	quality	quality	NOUN
ajbmeb-393	69	52	,	,	PUNCT
ajbmeb-393	69	53	and	and	CCONJ
ajbmeb-393	69	54	steps	step	NOUN
ajbmeb-393	69	55	to	to	PART
ajbmeb-393	69	56	perform	perform	VERB
ajbmeb-393	69	57	them	they	PRON
ajbmeb-393	69	58	before	before	ADP
ajbmeb-393	69	59	the	the	DET
ajbmeb-393	69	60	decision	decision	NOUN
ajbmeb-393	69	61	to	to	PART
ajbmeb-393	69	62	go	go	VERB
ajbmeb-393	69	63	to	to	ADP
ajbmeb-393	69	64	deal	deal	NOUN
ajbmeb-393	69	65	.	.	PUNCT
ajbmeb-393	70	1	with	with	ADP
ajbmeb-393	70	2	a	a	DET
ajbmeb-393	70	3	specific	specific	ADJ
ajbmeb-393	70	4	bank	bank	NOUN
ajbmeb-393	70	5	and	and	CCONJ
ajbmeb-393	70	6	not	not	PART
ajbmeb-393	70	7	others	other	NOUN
ajbmeb-393	70	8	.	.	PUNCT
ajbmeb-393	71	1	as	as	SCONJ
ajbmeb-393	71	2	the	the	DET
ajbmeb-393	71	3	mental	mental	ADJ
ajbmeb-393	71	4	image	image	NOUN
ajbmeb-393	71	5	becomes	becomes	AUX
ajbmeb-393	71	6	formed	form	VERB
ajbmeb-393	71	7	for	for	ADP
ajbmeb-393	71	8	the	the	DET
ajbmeb-393	71	9	customer	customer	NOUN
ajbmeb-393	71	10	before	before	ADP
ajbmeb-393	71	11	choosing	choose	VERB
ajbmeb-393	71	12	the	the	DET
ajbmeb-393	71	13	service	service	NOUN
ajbmeb-393	71	14	provider	provider	NOUN
ajbmeb-393	71	15	,	,	PUNCT
ajbmeb-393	71	16	by	by	ADP
ajbmeb-393	71	17	reviewing	review	VERB
ajbmeb-393	71	18	his	his	PRON
ajbmeb-393	71	19	services	service	NOUN
ajbmeb-393	71	20	,	,	PUNCT
ajbmeb-393	71	21	the	the	DET
ajbmeb-393	71	22	method	method	NOUN
ajbmeb-393	71	23	of	of	ADP
ajbmeb-393	71	24	providing	provide	VERB
ajbmeb-393	71	25	them	they	PRON
ajbmeb-393	71	26	,	,	PUNCT
ajbmeb-393	71	27	and	and	CCONJ
ajbmeb-393	71	28	the	the	DET
ajbmeb-393	71	29	feedback	feedback	NOUN
ajbmeb-393	71	30	available	available	ADJ
ajbmeb-393	71	31	digitally	digitally	ADV
ajbmeb-393	71	32	,	,	PUNCT
ajbmeb-393	71	33	and	and	CCONJ
ajbmeb-393	71	34	comparing	compare	VERB
ajbmeb-393	71	35	them	they	PRON
ajbmeb-393	71	36	with	with	ADP
ajbmeb-393	71	37	the	the	DET
ajbmeb-393	71	38	rest	rest	NOUN
ajbmeb-393	71	39	of	of	ADP
ajbmeb-393	71	40	the	the	DET
ajbmeb-393	71	41	competitors	competitor	NOUN
ajbmeb-393	71	42	(	(	PUNCT
ajbmeb-393	71	43	alghzawi	alghzawi	PROPN
ajbmeb-393	71	44	et	et	PROPN
ajbmeb-393	71	45	al	al	PROPN
ajbmeb-393	71	46	.	.	PROPN
ajbmeb-393	71	47	,	,	PUNCT
ajbmeb-393	71	48	2020	2020	NUM
ajbmeb-393	71	49	)	)	PUNCT
ajbmeb-393	71	50	.	.	PUNCT
ajbmeb-393	72	1	2.2	2.2	NUM
ajbmeb-393	72	2	quality	quality	NOUN
ajbmeb-393	72	3	of	of	ADP
ajbmeb-393	72	4	electronic	electronic	ADJ
ajbmeb-393	72	5	services	service	NOUN
ajbmeb-393	72	6	e	e	NOUN
ajbmeb-393	72	7	-	-	NOUN
ajbmeb-393	72	8	services	service	NOUN
ajbmeb-393	72	9	are	be	AUX
ajbmeb-393	72	10	often	often	ADV
ajbmeb-393	72	11	considered	consider	VERB
ajbmeb-393	72	12	a	a	DET
ajbmeb-393	72	13	sub	sub	NOUN
ajbmeb-393	72	14	-	-	NOUN
ajbmeb-393	72	15	field	field	NOUN
ajbmeb-393	72	16	of	of	ADP
ajbmeb-393	72	17	services	service	NOUN
ajbmeb-393	72	18	,	,	PUNCT
ajbmeb-393	72	19	as	as	SCONJ
ajbmeb-393	72	20	their	their	PRON
ajbmeb-393	72	21	definition	definition	NOUN
ajbmeb-393	72	22	is	be	AUX
ajbmeb-393	72	23	not	not	PART
ajbmeb-393	72	24	much	much	ADV
ajbmeb-393	72	25	different	different	ADJ
ajbmeb-393	72	26	from	from	ADP
ajbmeb-393	72	27	the	the	DET
ajbmeb-393	72	28	definition	definition	NOUN
ajbmeb-393	72	29	of	of	ADP
ajbmeb-393	72	30	service	service	NOUN
ajbmeb-393	72	31	quality	quality	NOUN
ajbmeb-393	72	32	.	.	PUNCT
ajbmeb-393	73	1	(	(	PUNCT
ajbmeb-393	73	2	lee	lee	PROPN
ajbmeb-393	73	3	&	&	CCONJ
ajbmeb-393	73	4	lin	lin	PROPN
ajbmeb-393	73	5	,	,	PUNCT
ajbmeb-393	73	6	2005	2005	NUM
ajbmeb-393	73	7	)	)	PUNCT
ajbmeb-393	73	8	defined	define	VERB
ajbmeb-393	73	9	it	it	PRON
ajbmeb-393	73	10	as	as	ADP
ajbmeb-393	73	11	the	the	DET
ajbmeb-393	73	12	judgment	judgment	NOUN
ajbmeb-393	73	13	and	and	CCONJ
ajbmeb-393	73	14	evaluation	evaluation	NOUN
ajbmeb-393	73	15	of	of	ADP
ajbmeb-393	73	16	customers	customer	NOUN
ajbmeb-393	73	17	on	on	ADP
ajbmeb-393	73	18	the	the	DET
ajbmeb-393	73	19	quality	quality	NOUN
ajbmeb-393	73	20	of	of	ADP
ajbmeb-393	73	21	electronic	electronic	ADJ
ajbmeb-393	73	22	services	service	NOUN
ajbmeb-393	73	23	provided	provide	VERB
ajbmeb-393	73	24	to	to	ADP
ajbmeb-393	73	25	them	they	PRON
ajbmeb-393	73	26	.	.	PUNCT
ajbmeb-393	74	1	thus	thus	ADV
ajbmeb-393	74	2	,	,	PUNCT
ajbmeb-393	74	3	the	the	DET
ajbmeb-393	74	4	concept	concept	NOUN
ajbmeb-393	74	5	of	of	ADP
ajbmeb-393	74	6	electronic	electronic	ADJ
ajbmeb-393	74	7	service	service	NOUN
ajbmeb-393	74	8	quality	quality	NOUN
ajbmeb-393	74	9	is	be	AUX
ajbmeb-393	74	10	not	not	PART
ajbmeb-393	74	11	much	much	ADV
ajbmeb-393	74	12	different	different	ADJ
ajbmeb-393	74	13	from	from	ADP
ajbmeb-393	74	14	traditional	traditional	ADJ
ajbmeb-393	74	15	service	service	NOUN
ajbmeb-393	74	16	quality	quality	NOUN
ajbmeb-393	74	17	,	,	PUNCT
ajbmeb-393	74	18	with	with	ADP
ajbmeb-393	74	19	the	the	DET
ajbmeb-393	74	20	exception	exception	NOUN
ajbmeb-393	74	21	of	of	ADP
ajbmeb-393	74	22	different	different	ADJ
ajbmeb-393	74	23	measurement	measurement	NOUN
ajbmeb-393	74	24	methods	method	NOUN
ajbmeb-393	74	25	.	.	PUNCT
ajbmeb-393	75	1	electronic	electronic	ADJ
ajbmeb-393	75	2	service	service	NOUN
ajbmeb-393	75	3	quality	quality	NOUN
ajbmeb-393	75	4	has	have	VERB
ajbmeb-393	75	5	specific	specific	ADJ
ajbmeb-393	75	6	measurement	measurement	NOUN
ajbmeb-393	75	7	dimensions	dimension	NOUN
ajbmeb-393	75	8	,	,	PUNCT
ajbmeb-393	75	9	the	the	DET
ajbmeb-393	75	10	most	most	ADV
ajbmeb-393	75	11	important	important	ADJ
ajbmeb-393	75	12	dimension	dimension	NOUN
ajbmeb-393	75	13	for	for	ADP
ajbmeb-393	75	14	customers	customer	NOUN
ajbmeb-393	75	15	of	of	ADP
ajbmeb-393	75	16	any	any	DET
ajbmeb-393	75	17	electronic	electronic	ADJ
ajbmeb-393	75	18	service	service	NOUN
ajbmeb-393	75	19	is	be	AUX
ajbmeb-393	75	20	first	first	ADJ
ajbmeb-393	75	21	and	and	CCONJ
ajbmeb-393	75	22	foremost	foremost	ADJ
ajbmeb-393	75	23	ease	ease	NOUN
ajbmeb-393	75	24	of	of	ADP
ajbmeb-393	75	25	use	use	NOUN
ajbmeb-393	75	26	,	,	PUNCT
ajbmeb-393	75	27	as	as	SCONJ
ajbmeb-393	75	28	these	these	DET
ajbmeb-393	75	29	services	service	NOUN
ajbmeb-393	75	30	may	may	AUX
ajbmeb-393	75	31	target	target	VERB
ajbmeb-393	75	32	many	many	ADJ
ajbmeb-393	75	33	age	age	NOUN
ajbmeb-393	75	34	,	,	PUNCT
ajbmeb-393	75	35	social	social	ADJ
ajbmeb-393	75	36	and	and	CCONJ
ajbmeb-393	75	37	educational	educational	ADJ
ajbmeb-393	75	38	groups	group	NOUN
ajbmeb-393	75	39	,	,	PUNCT
ajbmeb-393	75	40	and	and	CCONJ
ajbmeb-393	75	41	this	this	DET
ajbmeb-393	75	42	difference	difference	NOUN
ajbmeb-393	75	43	must	must	AUX
ajbmeb-393	75	44	be	be	AUX
ajbmeb-393	75	45	taken	take	VERB
ajbmeb-393	75	46	into	into	ADP
ajbmeb-393	75	47	account	account	NOUN
ajbmeb-393	75	48	.	.	PUNCT
ajbmeb-393	76	1	as	as	ADP
ajbmeb-393	76	2	for	for	ADP
ajbmeb-393	76	3	confidentiality	confidentiality	NOUN
ajbmeb-393	76	4	,	,	PUNCT
ajbmeb-393	76	5	it	it	PRON
ajbmeb-393	76	6	is	be	AUX
ajbmeb-393	76	7	an	an	DET
ajbmeb-393	76	8	obsession	obsession	NOUN
ajbmeb-393	76	9	for	for	ADP
ajbmeb-393	76	10	users	user	NOUN
ajbmeb-393	76	11	of	of	ADP
ajbmeb-393	76	12	any	any	DET
ajbmeb-393	76	13	electronic	electronic	ADJ
ajbmeb-393	76	14	service	service	NOUN
ajbmeb-393	76	15	,	,	PUNCT
ajbmeb-393	76	16	as	as	SCONJ
ajbmeb-393	76	17	sharing	share	VERB
ajbmeb-393	76	18	personal	personal	ADJ
ajbmeb-393	76	19	data	datum	NOUN
ajbmeb-393	76	20	can	can	AUX
ajbmeb-393	76	21	be	be	AUX
ajbmeb-393	76	22	dangerous	dangerous	ADJ
ajbmeb-393	76	23	for	for	ADP
ajbmeb-393	76	24	users	user	NOUN
ajbmeb-393	76	25	if	if	SCONJ
ajbmeb-393	76	26	the	the	DET
ajbmeb-393	76	27	website	website	NOUN
ajbmeb-393	76	28	is	be	AUX
ajbmeb-393	76	29	not	not	PART
ajbmeb-393	76	30	trusted	trust	VERB
ajbmeb-393	76	31	(	(	PUNCT
ajbmeb-393	76	32	alnaser	alnaser	NOUN
ajbmeb-393	76	33	et	et	PROPN
ajbmeb-393	76	34	al	al	PROPN
ajbmeb-393	76	35	.	.	PROPN
ajbmeb-393	76	36	,	,	PUNCT
ajbmeb-393	76	37	2020	2020	NUM
ajbmeb-393	76	38	;	;	PUNCT
ajbmeb-393	76	39	jiang	jiang	PROPN
ajbmeb-393	76	40	et	et	PROPN
ajbmeb-393	76	41	al	al	PROPN
ajbmeb-393	76	42	.	.	PROPN
ajbmeb-393	76	43	,	,	PUNCT
ajbmeb-393	76	44	2016	2016	NUM
ajbmeb-393	76	45	)	)	PUNCT
ajbmeb-393	76	46	.	.	PUNCT
ajbmeb-393	77	1	as	as	ADP
ajbmeb-393	77	2	for	for	ADP
ajbmeb-393	77	3	the	the	DET
ajbmeb-393	77	4	website	website	NOUN
ajbmeb-393	77	5	design	design	NOUN
ajbmeb-393	77	6	,	,	PUNCT
ajbmeb-393	77	7	it	it	PRON
ajbmeb-393	77	8	is	be	AUX
ajbmeb-393	77	9	an	an	DET
ajbmeb-393	77	10	attractive	attractive	ADJ
ajbmeb-393	77	11	factor	factor	NOUN
ajbmeb-393	77	12	for	for	ADP
ajbmeb-393	77	13	customers	customer	NOUN
ajbmeb-393	77	14	as	as	SCONJ
ajbmeb-393	77	15	they	they	PRON
ajbmeb-393	77	16	expect	expect	VERB
ajbmeb-393	77	17	a	a	DET
ajbmeb-393	77	18	well	well	ADV
ajbmeb-393	77	19	-	-	PUNCT
ajbmeb-393	77	20	defined	define	VERB
ajbmeb-393	77	21	website	website	NOUN
ajbmeb-393	77	22	with	with	ADP
ajbmeb-393	77	23	balanced	balanced	ADJ
ajbmeb-393	77	24	colors	color	NOUN
ajbmeb-393	77	25	,	,	PUNCT
ajbmeb-393	77	26	and	and	CCONJ
ajbmeb-393	77	27	organized	organize	VERB
ajbmeb-393	77	28	information	information	NOUN
ajbmeb-393	77	29	so	so	SCONJ
ajbmeb-393	77	30	that	that	SCONJ
ajbmeb-393	77	31	they	they	PRON
ajbmeb-393	77	32	can	can	AUX
ajbmeb-393	77	33	order	order	VERB
ajbmeb-393	77	34	services	service	NOUN
ajbmeb-393	77	35	smoothly	smoothly	ADV
ajbmeb-393	77	36	and	and	CCONJ
ajbmeb-393	77	37	quickly	quickly	ADV
ajbmeb-393	77	38	.	.	PUNCT
ajbmeb-393	78	1	on	on	ADP
ajbmeb-393	78	2	the	the	DET
ajbmeb-393	78	3	other	other	ADJ
ajbmeb-393	78	4	hand	hand	NOUN
ajbmeb-393	78	5	,	,	PUNCT
ajbmeb-393	78	6	customers	customer	NOUN
ajbmeb-393	78	7	may	may	AUX
ajbmeb-393	78	8	be	be	AUX
ajbmeb-393	78	9	interested	interested	ADJ
ajbmeb-393	78	10	in	in	ADP
ajbmeb-393	78	11	responses	response	NOUN
ajbmeb-393	78	12	,	,	PUNCT
ajbmeb-393	78	13	feedback	feedback	NOUN
ajbmeb-393	78	14	,	,	PUNCT
ajbmeb-393	78	15	and	and	CCONJ
ajbmeb-393	78	16	communication	communication	NOUN
ajbmeb-393	78	17	with	with	ADP
ajbmeb-393	78	18	the	the	DET
ajbmeb-393	78	19	company	company	NOUN
ajbmeb-393	78	20	that	that	PRON
ajbmeb-393	78	21	provides	provide	VERB
ajbmeb-393	78	22	the	the	DET
ajbmeb-393	78	23	service	service	NOUN
ajbmeb-393	78	24	,	,	PUNCT
ajbmeb-393	78	25	whether	whether	SCONJ
ajbmeb-393	78	26	about	about	ADP
ajbmeb-393	78	27	submitting	submit	VERB
ajbmeb-393	78	28	a	a	DET
ajbmeb-393	78	29	request	request	NOUN
ajbmeb-393	78	30	,	,	PUNCT
ajbmeb-393	78	31	comments	comment	NOUN
ajbmeb-393	78	32	,	,	PUNCT
ajbmeb-393	78	33	or	or	CCONJ
ajbmeb-393	78	34	suggestions	suggestion	NOUN
ajbmeb-393	78	35	for	for	ADP
ajbmeb-393	78	36	development	development	NOUN
ajbmeb-393	78	37	.	.	PUNCT
ajbmeb-393	79	1	therefore	therefore	ADV
ajbmeb-393	79	2	,	,	PUNCT
ajbmeb-393	79	3	companies	company	NOUN
ajbmeb-393	79	4	must	must	AUX
ajbmeb-393	79	5	be	be	AUX
ajbmeb-393	79	6	prepared	prepare	VERB
ajbmeb-393	79	7	to	to	PART
ajbmeb-393	79	8	respond	respond	VERB
ajbmeb-393	79	9	quickly	quickly	ADV
ajbmeb-393	79	10	and	and	CCONJ
ajbmeb-393	79	11	appropriately	appropriately	ADV
ajbmeb-393	79	12	(	(	PUNCT
ajbmeb-393	79	13	ighomereho	ighomereho	NOUN
ajbmeb-393	79	14	et	et	PROPN
ajbmeb-393	79	15	al	al	PROPN
ajbmeb-393	79	16	.	.	PROPN
ajbmeb-393	79	17	,	,	PUNCT
ajbmeb-393	79	18	2022	2022	NUM
ajbmeb-393	79	19	)	)	PUNCT
ajbmeb-393	79	20	.	.	PUNCT
ajbmeb-393	80	1	2.3	2.3	NUM
ajbmeb-393	80	2	financial	financial	ADJ
ajbmeb-393	80	3	electronic	electronic	ADJ
ajbmeb-393	80	4	services	service	NOUN
ajbmeb-393	80	5	in	in	ADP
ajbmeb-393	80	6	jordanian	jordanian	ADJ
ajbmeb-393	80	7	banks	bank	NOUN
ajbmeb-393	80	8	jordanian	jordanian	ADJ
ajbmeb-393	80	9	banks	bank	NOUN
ajbmeb-393	80	10	operating	operate	VERB
ajbmeb-393	80	11	in	in	ADP
ajbmeb-393	80	12	jordan	jordan	PROPN
ajbmeb-393	80	13	,	,	PUNCT
ajbmeb-393	80	14	like	like	ADP
ajbmeb-393	80	15	all	all	DET
ajbmeb-393	80	16	banks	bank	NOUN
ajbmeb-393	80	17	in	in	ADP
ajbmeb-393	80	18	the	the	DET
ajbmeb-393	80	19	world	world	NOUN
ajbmeb-393	80	20	,	,	PUNCT
ajbmeb-393	80	21	are	be	AUX
ajbmeb-393	80	22	trying	try	VERB
ajbmeb-393	80	23	to	to	PART
ajbmeb-393	80	24	build	build	VERB
ajbmeb-393	80	25	electronic	electronic	ADJ
ajbmeb-393	80	26	systems	system	NOUN
ajbmeb-393	80	27	to	to	PART
ajbmeb-393	80	28	activate	activate	VERB
ajbmeb-393	80	29	financial	financial	ADJ
ajbmeb-393	80	30	technology	technology	NOUN
ajbmeb-393	80	31	countries	country	NOUN
ajbmeb-393	80	32	and	and	CCONJ
ajbmeb-393	80	33	facilitate	facilitate	VERB
ajbmeb-393	80	34	their	their	PRON
ajbmeb-393	80	35	access	access	NOUN
ajbmeb-393	80	36	to	to	ADP
ajbmeb-393	80	37	the	the	DET
ajbmeb-393	80	38	largest	large	ADJ
ajbmeb-393	80	39	number	number	NOUN
ajbmeb-393	80	40	of	of	ADP
ajbmeb-393	80	41	customers	customer	NOUN
ajbmeb-393	80	42	(	(	PUNCT
ajbmeb-393	80	43	ismail	ismail	PROPN
ajbmeb-393	80	44	&	&	CCONJ
ajbmeb-393	80	45	alawamleh	alawamleh	PROPN
ajbmeb-393	80	46	,	,	PUNCT
ajbmeb-393	80	47	2017	2017	NUM
ajbmeb-393	80	48	)	)	PUNCT
ajbmeb-393	80	49	.	.	PUNCT
ajbmeb-393	81	1	1	1	X
ajbmeb-393	81	2	.	.	X
ajbmeb-393	81	3	system	system	NOUN
ajbmeb-393	81	4	for	for	ADP
ajbmeb-393	81	5	offering	offer	VERB
ajbmeb-393	81	6	and	and	CCONJ
ajbmeb-393	81	7	collecting	collect	VERB
ajbmeb-393	81	8	services	service	NOUN
ajbmeb-393	81	9	electronically	electronically	ADV
ajbmeb-393	81	10	(	(	PUNCT
ajbmeb-393	81	11	e	e	NOUN
ajbmeb-393	81	12	-	-	NOUN
ajbmeb-393	81	13	fawateercom	fawateercom	ADJ
ajbmeb-393	81	14	)	)	PUNCT
ajbmeb-393	81	15	this	this	DET
ajbmeb-393	81	16	system	system	NOUN
ajbmeb-393	81	17	formally	formally	ADV
ajbmeb-393	81	18	emerged	emerge	VERB
ajbmeb-393	81	19	and	and	CCONJ
ajbmeb-393	81	20	was	be	AUX
ajbmeb-393	81	21	regulated	regulate	VERB
ajbmeb-393	81	22	as	as	ADP
ajbmeb-393	81	23	a	a	DET
ajbmeb-393	81	24	result	result	NOUN
ajbmeb-393	81	25	of	of	ADP
ajbmeb-393	81	26	the	the	DET
ajbmeb-393	81	27	electronic	electronic	ADJ
ajbmeb-393	81	28	transactions	transaction	NOUN
ajbmeb-393	81	29	law	law	NOUN
ajbmeb-393	81	30	issued	issue	VERB
ajbmeb-393	81	31	by	by	ADP
ajbmeb-393	81	32	the	the	DET
ajbmeb-393	81	33	central	central	ADJ
ajbmeb-393	81	34	bank	bank	PROPN
ajbmeb-393	81	35	of	of	ADP
ajbmeb-393	81	36	jordan	jordan	PROPN
ajbmeb-393	81	37	for	for	ADP
ajbmeb-393	81	38	the	the	DET
ajbmeb-393	81	39	year	year	NOUN
ajbmeb-393	81	40	(	(	PUNCT
ajbmeb-393	81	41	2015	2015	NUM
ajbmeb-393	81	42	)	)	PUNCT
ajbmeb-393	81	43	and	and	CCONJ
ajbmeb-393	81	44	the	the	DET
ajbmeb-393	81	45	electronic	electronic	ADJ
ajbmeb-393	81	46	payment	payment	NOUN
ajbmeb-393	81	47	and	and	CCONJ
ajbmeb-393	81	48	transfer	transfer	NOUN
ajbmeb-393	81	49	system	system	NOUN
ajbmeb-393	81	50	issued	issue	VERB
ajbmeb-393	81	51	in	in	ADP
ajbmeb-393	81	52	(	(	PUNCT
ajbmeb-393	81	53	2017	2017	NUM
ajbmeb-393	81	54	)	)	PUNCT
ajbmeb-393	81	55	later	later	ADV
ajbmeb-393	81	56	,	,	PUNCT
ajbmeb-393	81	57	in	in	ADP
ajbmeb-393	81	58	cooperation	cooperation	NOUN
ajbmeb-393	81	59	with	with	ADP
ajbmeb-393	81	60	jordanian	jordanian	ADJ
ajbmeb-393	81	61	banks	bank	NOUN
ajbmeb-393	81	62	,	,	PUNCT
ajbmeb-393	81	63	banks	bank	NOUN
ajbmeb-393	81	64	operating	operate	VERB
ajbmeb-393	81	65	in	in	ADP
ajbmeb-393	81	66	jordan	jordan	PROPN
ajbmeb-393	81	67	and	and	CCONJ
ajbmeb-393	81	68	the	the	DET
ajbmeb-393	81	69	digital	digital	ADJ
ajbmeb-393	81	70	financial	financial	ADJ
ajbmeb-393	81	71	services	service	NOUN
ajbmeb-393	81	72	company	company	NOUN
ajbmeb-393	81	73	"	"	PUNCT
ajbmeb-393	81	74	modofaatcom	modofaatcom	PROPN
ajbmeb-393	81	75	"	"	PUNCT
ajbmeb-393	81	76	.	.	PUNCT
ajbmeb-393	82	1	to	to	PART
ajbmeb-393	82	2	display	display	VERB
ajbmeb-393	82	3	and	and	CCONJ
ajbmeb-393	82	4	pay	pay	VERB
ajbmeb-393	82	5	all	all	DET
ajbmeb-393	82	6	bills	bill	NOUN
ajbmeb-393	82	7	electronically	electronically	ADV
ajbmeb-393	82	8	,	,	PUNCT
ajbmeb-393	82	9	whether	whether	SCONJ
ajbmeb-393	82	10	these	these	DET
ajbmeb-393	82	11	bills	bill	NOUN
ajbmeb-393	82	12	are	be	AUX
ajbmeb-393	82	13	due	due	ADJ
ajbmeb-393	82	14	to	to	ADP
ajbmeb-393	82	15	government	government	NOUN
ajbmeb-393	82	16	agencies	agency	NOUN
ajbmeb-393	82	17	or	or	CCONJ
ajbmeb-393	82	18	private	private	ADJ
ajbmeb-393	82	19	institutions	institution	NOUN
ajbmeb-393	82	20	.	.	PUNCT
ajbmeb-393	83	1	the	the	DET
ajbmeb-393	83	2	operation	operation	NOUN
ajbmeb-393	83	3	of	of	ADP
ajbmeb-393	83	4	this	this	DET
ajbmeb-393	83	5	system	system	NOUN
ajbmeb-393	83	6	has	have	AUX
ajbmeb-393	83	7	been	be	AUX
ajbmeb-393	83	8	american	american	ADJ
ajbmeb-393	83	9	journal	journal	PROPN
ajbmeb-393	83	10	of	of	ADP
ajbmeb-393	83	11	business	business	NOUN
ajbmeb-393	83	12	management	management	NOUN
ajbmeb-393	83	13	,	,	PUNCT
ajbmeb-393	83	14	economics	economic	NOUN
ajbmeb-393	83	15	and	and	CCONJ
ajbmeb-393	83	16	banking	banking	NOUN
ajbmeb-393	83	17	volume	volume	NOUN
ajbmeb-393	83	18	9	9	NUM
ajbmeb-393	83	19	feb	feb	X
ajbmeb-393	83	20	.	.	PROPN
ajbmeb-393	83	21	,	,	PUNCT
ajbmeb-393	83	22	2023	2023	NUM
ajbmeb-393	83	23	p	p	NOUN
ajbmeb-393	83	24	a	a	PRON
ajbmeb-393	83	25	g	g	NOUN
ajbmeb-393	83	26	e	e	NOUN
ajbmeb-393	84	1	|	|	ADV
ajbmeb-393	84	2	16	16	NUM
ajbmeb-393	84	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-393	84	4	entrusted	entrust	VERB
ajbmeb-393	84	5	to	to	ADP
ajbmeb-393	84	6	a	a	DET
ajbmeb-393	84	7	company	company	NOUN
ajbmeb-393	84	8	specialized	specialize	VERB
ajbmeb-393	84	9	in	in	ADP
ajbmeb-393	84	10	this	this	DET
ajbmeb-393	84	11	field	field	NOUN
ajbmeb-393	84	12	in	in	ADP
ajbmeb-393	84	13	order	order	NOUN
ajbmeb-393	84	14	to	to	PART
ajbmeb-393	84	15	manage	manage	VERB
ajbmeb-393	84	16	and	and	CCONJ
ajbmeb-393	84	17	operate	operate	VERB
ajbmeb-393	84	18	it	it	PRON
ajbmeb-393	84	19	(	(	PUNCT
ajbmeb-393	84	20	al	al	PROPN
ajbmeb-393	84	21	samara	samara	PROPN
ajbmeb-393	84	22	et	et	PROPN
ajbmeb-393	84	23	al	al	PROPN
ajbmeb-393	84	24	.	.	PROPN
ajbmeb-393	84	25	,	,	PUNCT
ajbmeb-393	84	26	2019	2019	NUM
ajbmeb-393	84	27	)	)	PUNCT
ajbmeb-393	84	28	.	.	PUNCT
ajbmeb-393	85	1	2	2	X
ajbmeb-393	85	2	.	.	X
ajbmeb-393	85	3	managing	manage	VERB
ajbmeb-393	85	4	accounts	account	NOUN
ajbmeb-393	85	5	electronically	electronically	ADV
ajbmeb-393	85	6	this	this	DET
ajbmeb-393	85	7	service	service	NOUN
ajbmeb-393	85	8	enables	enable	VERB
ajbmeb-393	85	9	customers	customer	NOUN
ajbmeb-393	85	10	to	to	PART
ajbmeb-393	85	11	access	access	VERB
ajbmeb-393	85	12	and	and	CCONJ
ajbmeb-393	85	13	manage	manage	VERB
ajbmeb-393	85	14	their	their	PRON
ajbmeb-393	85	15	accounts	account	NOUN
ajbmeb-393	85	16	securely	securely	ADV
ajbmeb-393	85	17	and	and	CCONJ
ajbmeb-393	85	18	quickly	quickly	ADV
ajbmeb-393	85	19	,	,	PUNCT
ajbmeb-393	85	20	without	without	ADP
ajbmeb-393	85	21	the	the	DET
ajbmeb-393	85	22	need	need	NOUN
ajbmeb-393	85	23	to	to	PART
ajbmeb-393	85	24	visit	visit	VERB
ajbmeb-393	85	25	the	the	DET
ajbmeb-393	85	26	bank	bank	NOUN
ajbmeb-393	85	27	providing	provide	VERB
ajbmeb-393	85	28	the	the	DET
ajbmeb-393	85	29	service	service	NOUN
ajbmeb-393	85	30	.	.	PUNCT
ajbmeb-393	86	1	the	the	DET
ajbmeb-393	86	2	services	service	NOUN
ajbmeb-393	86	3	that	that	PRON
ajbmeb-393	86	4	can	can	AUX
ajbmeb-393	86	5	be	be	AUX
ajbmeb-393	86	6	included	include	VERB
ajbmeb-393	86	7	under	under	ADP
ajbmeb-393	86	8	this	this	DET
ajbmeb-393	86	9	item	item	NOUN
ajbmeb-393	86	10	include	include	VERB
ajbmeb-393	86	11	balance	balance	NOUN
ajbmeb-393	86	12	inquiry	inquiry	NOUN
ajbmeb-393	86	13	,	,	PUNCT
ajbmeb-393	86	14	issuance	issuance	NOUN
ajbmeb-393	86	15	of	of	ADP
ajbmeb-393	86	16	an	an	DET
ajbmeb-393	86	17	account	account	NOUN
ajbmeb-393	86	18	statement	statement	NOUN
ajbmeb-393	86	19	showing	show	VERB
ajbmeb-393	86	20	the	the	DET
ajbmeb-393	86	21	movements	movement	NOUN
ajbmeb-393	86	22	made	make	VERB
ajbmeb-393	86	23	by	by	ADP
ajbmeb-393	86	24	the	the	DET
ajbmeb-393	86	25	customer	customer	NOUN
ajbmeb-393	86	26	,	,	PUNCT
ajbmeb-393	86	27	and	and	CCONJ
ajbmeb-393	86	28	changing	change	VERB
ajbmeb-393	86	29	the	the	DET
ajbmeb-393	86	30	customer	customer	NOUN
ajbmeb-393	86	31	's	's	PART
ajbmeb-393	86	32	personal	personal	ADJ
ajbmeb-393	86	33	data	datum	NOUN
ajbmeb-393	86	34	.	.	PUNCT
ajbmeb-393	87	1	on	on	ADP
ajbmeb-393	87	2	the	the	DET
ajbmeb-393	87	3	other	other	ADJ
ajbmeb-393	87	4	hand	hand	NOUN
ajbmeb-393	87	5	,	,	PUNCT
ajbmeb-393	87	6	the	the	DET
ajbmeb-393	87	7	customer	customer	NOUN
ajbmeb-393	87	8	can	can	AUX
ajbmeb-393	87	9	conduct	conduct	VERB
ajbmeb-393	87	10	some	some	DET
ajbmeb-393	87	11	banking	banking	NOUN
ajbmeb-393	87	12	operations	operation	NOUN
ajbmeb-393	87	13	and	and	CCONJ
ajbmeb-393	87	14	transactions	transaction	NOUN
ajbmeb-393	87	15	,	,	PUNCT
ajbmeb-393	87	16	through	through	ADP
ajbmeb-393	87	17	this	this	DET
ajbmeb-393	87	18	feature	feature	NOUN
ajbmeb-393	87	19	determined	determine	VERB
ajbmeb-393	87	20	by	by	ADP
ajbmeb-393	87	21	each	each	DET
ajbmeb-393	87	22	bank	bank	NOUN
ajbmeb-393	87	23	according	accord	VERB
ajbmeb-393	87	24	to	to	ADP
ajbmeb-393	87	25	its	its	PRON
ajbmeb-393	87	26	internal	internal	ADJ
ajbmeb-393	87	27	policy	policy	NOUN
ajbmeb-393	87	28	(	(	PUNCT
ajbmeb-393	87	29	alshurideh	alshurideh	ADV
ajbmeb-393	87	30	,	,	PUNCT
ajbmeb-393	87	31	2022	2022	NUM
ajbmeb-393	87	32	)	)	PUNCT
ajbmeb-393	87	33	.	.	PUNCT
ajbmeb-393	88	1	3	3	X
ajbmeb-393	88	2	.	.	X
ajbmeb-393	88	3	ordering	order	VERB
ajbmeb-393	88	4	products	product	NOUN
ajbmeb-393	88	5	and	and	CCONJ
ajbmeb-393	88	6	services	service	NOUN
ajbmeb-393	88	7	bank	bank	NOUN
ajbmeb-393	88	8	customers	customer	NOUN
ajbmeb-393	88	9	can	can	AUX
ajbmeb-393	88	10	request	request	VERB
ajbmeb-393	88	11	various	various	ADJ
ajbmeb-393	88	12	bank	bank	NOUN
ajbmeb-393	88	13	services	service	NOUN
ajbmeb-393	88	14	or	or	CCONJ
ajbmeb-393	88	15	products	product	NOUN
ajbmeb-393	88	16	,	,	PUNCT
ajbmeb-393	88	17	and	and	CCONJ
ajbmeb-393	88	18	the	the	DET
ajbmeb-393	88	19	bank	bank	NOUN
ajbmeb-393	88	20	's	's	PART
ajbmeb-393	88	21	products	product	NOUN
ajbmeb-393	88	22	are	be	AUX
ajbmeb-393	88	23	limited	limit	VERB
ajbmeb-393	88	24	to	to	ADP
ajbmeb-393	88	25	electronic	electronic	ADJ
ajbmeb-393	88	26	cards	card	NOUN
ajbmeb-393	88	27	,	,	PUNCT
ajbmeb-393	88	28	check	check	VERB
ajbmeb-393	88	29	books	book	NOUN
ajbmeb-393	88	30	,	,	PUNCT
ajbmeb-393	88	31	and	and	CCONJ
ajbmeb-393	88	32	any	any	DET
ajbmeb-393	88	33	tools	tool	NOUN
ajbmeb-393	88	34	that	that	PRON
ajbmeb-393	88	35	can	can	AUX
ajbmeb-393	88	36	be	be	AUX
ajbmeb-393	88	37	used	use	VERB
ajbmeb-393	88	38	to	to	PART
ajbmeb-393	88	39	obtain	obtain	VERB
ajbmeb-393	88	40	bank	bank	NOUN
ajbmeb-393	88	41	services	service	NOUN
ajbmeb-393	88	42	.	.	PUNCT
ajbmeb-393	89	1	where	where	SCONJ
ajbmeb-393	89	2	this	this	DET
ajbmeb-393	89	3	feature	feature	NOUN
ajbmeb-393	89	4	reduces	reduce	VERB
ajbmeb-393	89	5	the	the	DET
ajbmeb-393	89	6	burden	burden	NOUN
ajbmeb-393	89	7	imposed	impose	VERB
ajbmeb-393	89	8	on	on	ADP
ajbmeb-393	89	9	the	the	DET
ajbmeb-393	89	10	customer	customer	NOUN
ajbmeb-393	89	11	,	,	PUNCT
ajbmeb-393	89	12	by	by	ADP
ajbmeb-393	89	13	performing	perform	VERB
ajbmeb-393	89	14	the	the	DET
ajbmeb-393	89	15	required	require	VERB
ajbmeb-393	89	16	service	service	NOUN
ajbmeb-393	89	17	without	without	ADP
ajbmeb-393	89	18	the	the	DET
ajbmeb-393	89	19	need	need	NOUN
ajbmeb-393	89	20	to	to	PART
ajbmeb-393	89	21	consume	consume	VERB
ajbmeb-393	89	22	time	time	NOUN
ajbmeb-393	89	23	,	,	PUNCT
ajbmeb-393	89	24	as	as	SCONJ
ajbmeb-393	89	25	any	any	DET
ajbmeb-393	89	26	request	request	NOUN
ajbmeb-393	89	27	from	from	ADP
ajbmeb-393	89	28	the	the	DET
ajbmeb-393	89	29	bank	bank	NOUN
ajbmeb-393	89	30	can	can	AUX
ajbmeb-393	89	31	be	be	AUX
ajbmeb-393	89	32	done	do	VERB
ajbmeb-393	89	33	from	from	ADP
ajbmeb-393	89	34	anywhere	anywhere	ADV
ajbmeb-393	89	35	,	,	PUNCT
ajbmeb-393	89	36	whether	whether	SCONJ
ajbmeb-393	89	37	from	from	ADP
ajbmeb-393	89	38	home	home	NOUN
ajbmeb-393	89	39	,	,	PUNCT
ajbmeb-393	89	40	work	work	NOUN
ajbmeb-393	89	41	or	or	CCONJ
ajbmeb-393	89	42	others	other	NOUN
ajbmeb-393	89	43	(	(	PUNCT
ajbmeb-393	89	44	krishnan	krishnan	NOUN
ajbmeb-393	89	45	,	,	PUNCT
ajbmeb-393	89	46	2014	2014	NUM
ajbmeb-393	89	47	)	)	PUNCT
ajbmeb-393	89	48	.	.	PUNCT
ajbmeb-393	90	1	4	4	X
ajbmeb-393	90	2	.	.	X
ajbmeb-393	90	3	money	money	NOUN
ajbmeb-393	90	4	transfers	transfer	NOUN
ajbmeb-393	90	5	financial	financial	ADJ
ajbmeb-393	90	6	transfers	transfer	NOUN
ajbmeb-393	90	7	are	be	AUX
ajbmeb-393	90	8	considered	consider	VERB
ajbmeb-393	90	9	one	one	NUM
ajbmeb-393	90	10	of	of	ADP
ajbmeb-393	90	11	the	the	DET
ajbmeb-393	90	12	most	most	ADV
ajbmeb-393	90	13	important	important	ADJ
ajbmeb-393	90	14	market	market	NOUN
ajbmeb-393	90	15	drivers	driver	NOUN
ajbmeb-393	90	16	,	,	PUNCT
ajbmeb-393	90	17	as	as	SCONJ
ajbmeb-393	90	18	they	they	PRON
ajbmeb-393	90	19	are	be	AUX
ajbmeb-393	90	20	considered	consider	VERB
ajbmeb-393	90	21	one	one	NUM
ajbmeb-393	90	22	of	of	ADP
ajbmeb-393	90	23	the	the	DET
ajbmeb-393	90	24	fastest	fast	ADJ
ajbmeb-393	90	25	and	and	CCONJ
ajbmeb-393	90	26	safest	safest	ADJ
ajbmeb-393	90	27	ways	way	NOUN
ajbmeb-393	90	28	to	to	PART
ajbmeb-393	90	29	exchange	exchange	VERB
ajbmeb-393	90	30	goods	good	NOUN
ajbmeb-393	90	31	and	and	CCONJ
ajbmeb-393	90	32	services	service	NOUN
ajbmeb-393	90	33	,	,	PUNCT
ajbmeb-393	90	34	as	as	SCONJ
ajbmeb-393	90	35	these	these	DET
ajbmeb-393	90	36	transfers	transfer	NOUN
ajbmeb-393	90	37	are	be	AUX
ajbmeb-393	90	38	made	make	VERB
ajbmeb-393	90	39	through	through	ADP
ajbmeb-393	90	40	banks	bank	NOUN
ajbmeb-393	90	41	or	or	CCONJ
ajbmeb-393	90	42	authorized	authorize	VERB
ajbmeb-393	90	43	arms	arm	NOUN
ajbmeb-393	90	44	such	such	ADJ
ajbmeb-393	90	45	as	as	ADP
ajbmeb-393	90	46	exchange	exchange	NOUN
ajbmeb-393	90	47	companies	company	NOUN
ajbmeb-393	90	48	,	,	PUNCT
ajbmeb-393	90	49	service	service	NOUN
ajbmeb-393	90	50	companies	company	NOUN
ajbmeb-393	90	51	and	and	CCONJ
ajbmeb-393	90	52	financial	financial	ADJ
ajbmeb-393	90	53	intermediation	intermediation	NOUN
ajbmeb-393	90	54	.	.	PUNCT
ajbmeb-393	91	1	electronic	electronic	ADJ
ajbmeb-393	91	2	services	service	NOUN
ajbmeb-393	91	3	enable	enable	VERB
ajbmeb-393	91	4	customers	customer	NOUN
ajbmeb-393	91	5	to	to	PART
ajbmeb-393	91	6	make	make	VERB
ajbmeb-393	91	7	these	these	DET
ajbmeb-393	91	8	transfers	transfer	NOUN
ajbmeb-393	91	9	faster	fast	ADV
ajbmeb-393	91	10	and	and	CCONJ
ajbmeb-393	91	11	more	more	ADV
ajbmeb-393	91	12	smoothly	smoothly	ADV
ajbmeb-393	91	13	.	.	PUNCT
ajbmeb-393	92	1	this	this	PRON
ajbmeb-393	92	2	helps	help	VERB
ajbmeb-393	92	3	the	the	DET
ajbmeb-393	92	4	customer	customer	NOUN
ajbmeb-393	92	5	save	save	VERB
ajbmeb-393	92	6	time	time	NOUN
ajbmeb-393	92	7	and	and	CCONJ
ajbmeb-393	92	8	effort	effort	NOUN
ajbmeb-393	92	9	,	,	PUNCT
ajbmeb-393	92	10	improves	improve	VERB
ajbmeb-393	92	11	the	the	DET
ajbmeb-393	92	12	smooth	smooth	ADJ
ajbmeb-393	92	13	flow	flow	NOUN
ajbmeb-393	92	14	of	of	ADP
ajbmeb-393	92	15	cash	cash	NOUN
ajbmeb-393	92	16	,	,	PUNCT
ajbmeb-393	92	17	and	and	CCONJ
ajbmeb-393	92	18	increases	increase	VERB
ajbmeb-393	92	19	the	the	DET
ajbmeb-393	92	20	efficiency	efficiency	NOUN
ajbmeb-393	92	21	of	of	ADP
ajbmeb-393	92	22	the	the	DET
ajbmeb-393	92	23	supply	supply	NOUN
ajbmeb-393	92	24	chain	chain	NOUN
ajbmeb-393	92	25	and	and	CCONJ
ajbmeb-393	92	26	value	value	NOUN
ajbmeb-393	92	27	chains	chain	NOUN
ajbmeb-393	92	28	(	(	PUNCT
ajbmeb-393	92	29	rahi	rahi	NOUN
ajbmeb-393	92	30	et	et	PROPN
ajbmeb-393	92	31	al	al	PROPN
ajbmeb-393	92	32	.	.	PROPN
ajbmeb-393	92	33	,	,	PUNCT
ajbmeb-393	92	34	2019	2019	NUM
ajbmeb-393	92	35	)	)	PUNCT
ajbmeb-393	92	36	5	5	NUM
ajbmeb-393	92	37	.	.	NOUN
ajbmeb-393	92	38	5	5	NUM
ajbmeb-393	92	39	.	.	X
ajbmeb-393	93	1	inquire	inquire	VERB
ajbmeb-393	93	2	about	about	ADP
ajbmeb-393	93	3	currency	currency	NOUN
ajbmeb-393	93	4	exchange	exchange	NOUN
ajbmeb-393	93	5	rates	rate	NOUN
ajbmeb-393	93	6	many	many	ADJ
ajbmeb-393	93	7	customers	customer	NOUN
ajbmeb-393	93	8	are	be	AUX
ajbmeb-393	93	9	interested	interested	ADJ
ajbmeb-393	93	10	in	in	ADP
ajbmeb-393	93	11	information	information	NOUN
ajbmeb-393	93	12	related	relate	VERB
ajbmeb-393	93	13	to	to	ADP
ajbmeb-393	93	14	foreign	foreign	ADJ
ajbmeb-393	93	15	exchange	exchange	NOUN
ajbmeb-393	93	16	rates	rate	NOUN
ajbmeb-393	93	17	against	against	ADP
ajbmeb-393	93	18	the	the	DET
ajbmeb-393	93	19	dinar	dinar	ADJ
ajbmeb-393	93	20	or	or	CCONJ
ajbmeb-393	93	21	other	other	ADJ
ajbmeb-393	93	22	currencies	currency	NOUN
ajbmeb-393	93	23	,	,	PUNCT
ajbmeb-393	93	24	and	and	CCONJ
ajbmeb-393	93	25	investors	investor	NOUN
ajbmeb-393	93	26	are	be	AUX
ajbmeb-393	93	27	more	more	ADV
ajbmeb-393	93	28	interested	interested	ADJ
ajbmeb-393	93	29	in	in	ADP
ajbmeb-393	93	30	quickly	quickly	ADV
ajbmeb-393	93	31	obtaining	obtain	VERB
ajbmeb-393	93	32	information	information	NOUN
ajbmeb-393	93	33	than	than	ADP
ajbmeb-393	93	34	in	in	ADP
ajbmeb-393	93	35	the	the	DET
ajbmeb-393	93	36	information	information	NOUN
ajbmeb-393	93	37	itself	itself	PRON
ajbmeb-393	93	38	.	.	PUNCT
ajbmeb-393	94	1	in	in	ADP
ajbmeb-393	94	2	order	order	NOUN
ajbmeb-393	94	3	for	for	SCONJ
ajbmeb-393	94	4	the	the	DET
ajbmeb-393	94	5	information	information	NOUN
ajbmeb-393	94	6	to	to	PART
ajbmeb-393	94	7	be	be	AUX
ajbmeb-393	94	8	of	of	ADP
ajbmeb-393	94	9	value	value	NOUN
ajbmeb-393	94	10	in	in	ADP
ajbmeb-393	94	11	decision	decision	NOUN
ajbmeb-393	94	12	-	-	PUNCT
ajbmeb-393	94	13	making	making	NOUN
ajbmeb-393	94	14	,	,	PUNCT
ajbmeb-393	94	15	it	it	PRON
ajbmeb-393	94	16	must	must	AUX
ajbmeb-393	94	17	be	be	AUX
ajbmeb-393	94	18	in	in	ADP
ajbmeb-393	94	19	a	a	DET
ajbmeb-393	94	20	timely	timely	ADJ
ajbmeb-393	94	21	manner	manner	NOUN
ajbmeb-393	94	22	.	.	PUNCT
ajbmeb-393	95	1	speed	speed	NOUN
ajbmeb-393	95	2	is	be	AUX
ajbmeb-393	95	3	very	very	ADV
ajbmeb-393	95	4	important	important	ADJ
ajbmeb-393	95	5	in	in	ADP
ajbmeb-393	95	6	this	this	DET
ajbmeb-393	95	7	field	field	NOUN
ajbmeb-393	95	8	.	.	PUNCT
ajbmeb-393	96	1	electronic	electronic	ADJ
ajbmeb-393	96	2	services	service	NOUN
ajbmeb-393	96	3	have	have	AUX
ajbmeb-393	96	4	facilitated	facilitate	VERB
ajbmeb-393	96	5	the	the	DET
ajbmeb-393	96	6	process	process	NOUN
ajbmeb-393	96	7	of	of	ADP
ajbmeb-393	96	8	obtaining	obtain	VERB
ajbmeb-393	96	9	information	information	NOUN
ajbmeb-393	96	10	,	,	PUNCT
ajbmeb-393	96	11	especially	especially	ADV
ajbmeb-393	96	12	exchange	exchange	NOUN
ajbmeb-393	96	13	rates	rate	NOUN
ajbmeb-393	96	14	,	,	PUNCT
ajbmeb-393	96	15	which	which	PRON
ajbmeb-393	96	16	are	be	AUX
ajbmeb-393	96	17	of	of	ADP
ajbmeb-393	96	18	great	great	ADJ
ajbmeb-393	96	19	importance	importance	NOUN
ajbmeb-393	96	20	(	(	PUNCT
ajbmeb-393	96	21	olusolade	olusolade	NOUN
ajbmeb-393	96	22	aribake	aribake	NOUN
ajbmeb-393	96	23	&	&	CCONJ
ajbmeb-393	96	24	mat	mat	PROPN
ajbmeb-393	96	25	aji	aji	PROPN
ajbmeb-393	96	26	,	,	PUNCT
ajbmeb-393	96	27	2020	2020	NUM
ajbmeb-393	96	28	;	;	PUNCT
ajbmeb-393	97	1	rahi	rahi	NOUN
ajbmeb-393	97	2	et	et	PROPN
ajbmeb-393	97	3	al	al	PROPN
ajbmeb-393	97	4	.	.	PROPN
ajbmeb-393	97	5	,	,	PUNCT
ajbmeb-393	97	6	2021	2021	NUM
ajbmeb-393	97	7	)	)	PUNCT
ajbmeb-393	97	8	3	3	NUM
ajbmeb-393	97	9	.	.	PUNCT
ajbmeb-393	97	10	discussions	discussion	NOUN
ajbmeb-393	97	11	most	most	ADJ
ajbmeb-393	97	12	of	of	ADP
ajbmeb-393	97	13	the	the	DET
ajbmeb-393	97	14	previous	previous	ADJ
ajbmeb-393	97	15	studies	study	NOUN
ajbmeb-393	97	16	focused	focus	VERB
ajbmeb-393	97	17	on	on	ADP
ajbmeb-393	97	18	measuring	measure	VERB
ajbmeb-393	97	19	the	the	DET
ajbmeb-393	97	20	quality	quality	NOUN
ajbmeb-393	97	21	of	of	ADP
ajbmeb-393	97	22	electronic	electronic	ADJ
ajbmeb-393	97	23	banking	banking	NOUN
ajbmeb-393	97	24	services	service	NOUN
ajbmeb-393	97	25	through	through	ADP
ajbmeb-393	97	26	independent	independent	ADJ
ajbmeb-393	97	27	variables	variable	NOUN
ajbmeb-393	97	28	different	different	ADJ
ajbmeb-393	97	29	from	from	ADP
ajbmeb-393	97	30	this	this	DET
ajbmeb-393	97	31	study	study	NOUN
ajbmeb-393	97	32	.	.	PUNCT
ajbmeb-393	98	1	as	as	ADP
ajbmeb-393	98	2	for	for	ADP
ajbmeb-393	98	3	this	this	DET
ajbmeb-393	98	4	study	study	NOUN
ajbmeb-393	98	5	,	,	PUNCT
ajbmeb-393	98	6	it	it	PRON
ajbmeb-393	98	7	focused	focus	VERB
ajbmeb-393	98	8	on	on	ADP
ajbmeb-393	98	9	measuring	measure	VERB
ajbmeb-393	98	10	the	the	DET
ajbmeb-393	98	11	improvement	improvement	NOUN
ajbmeb-393	98	12	of	of	ADP
ajbmeb-393	98	13	the	the	DET
ajbmeb-393	98	14	quality	quality	NOUN
ajbmeb-393	98	15	of	of	ADP
ajbmeb-393	98	16	electronic	electronic	ADJ
ajbmeb-393	98	17	banking	banking	NOUN
ajbmeb-393	98	18	services	service	NOUN
ajbmeb-393	98	19	through	through	ADP
ajbmeb-393	98	20	financial	financial	ADJ
ajbmeb-393	98	21	technology	technology	NOUN
ajbmeb-393	98	22	variables	variable	NOUN
ajbmeb-393	98	23	(	(	PUNCT
ajbmeb-393	98	24	al	al	PROPN
ajbmeb-393	98	25	samara	samara	PROPN
ajbmeb-393	98	26	et	et	PROPN
ajbmeb-393	98	27	al	al	PROPN
ajbmeb-393	98	28	.	.	PROPN
ajbmeb-393	98	29	,	,	PUNCT
ajbmeb-393	98	30	2019	2019	NUM
ajbmeb-393	98	31	;	;	PUNCT
ajbmeb-393	98	32	alalwan	alalwan	NOUN
ajbmeb-393	98	33	et	et	PROPN
ajbmeb-393	98	34	al	al	PROPN
ajbmeb-393	98	35	.	.	PROPN
ajbmeb-393	98	36	,	,	PUNCT
ajbmeb-393	98	37	2017	2017	NUM
ajbmeb-393	98	38	;	;	PUNCT
ajbmeb-393	98	39	alshurideh	alshurideh	ADV
ajbmeb-393	98	40	,	,	PUNCT
ajbmeb-393	98	41	2022	2022	NUM
ajbmeb-393	98	42	;	;	PUNCT
ajbmeb-393	98	43	garg	garg	PROPN
ajbmeb-393	98	44	et	et	PROPN
ajbmeb-393	98	45	al	al	PROPN
ajbmeb-393	98	46	.	.	PROPN
ajbmeb-393	98	47	,	,	PUNCT
ajbmeb-393	98	48	2021	2021	NUM
ajbmeb-393	98	49	;	;	PUNCT
ajbmeb-393	98	50	habes	habe	VERB
ajbmeb-393	98	51	et	et	PROPN
ajbmeb-393	98	52	al	al	PROPN
ajbmeb-393	98	53	.	.	PROPN
ajbmeb-393	98	54	,	,	PUNCT
ajbmeb-393	98	55	2023	2023	NUM
ajbmeb-393	98	56	;	;	PUNCT
ajbmeb-393	98	57	hua	hua	PROPN
ajbmeb-393	98	58	et	et	PROPN
ajbmeb-393	98	59	al	al	PROPN
ajbmeb-393	98	60	.	.	PROPN
ajbmeb-393	98	61	,	,	PUNCT
ajbmeb-393	98	62	2019	2019	NUM
ajbmeb-393	98	63	;	;	PUNCT
ajbmeb-393	98	64	ighomereho	ighomereho	NOUN
ajbmeb-393	98	65	et	et	PROPN
ajbmeb-393	98	66	al	al	PROPN
ajbmeb-393	98	67	.	.	PROPN
ajbmeb-393	98	68	,	,	PUNCT
ajbmeb-393	98	69	2022	2022	NUM
ajbmeb-393	98	70	;	;	PUNCT
ajbmeb-393	98	71	ismail	ismail	PROPN
ajbmeb-393	98	72	&	&	CCONJ
ajbmeb-393	98	73	alawamleh	alawamleh	PROPN
ajbmeb-393	98	74	,	,	PUNCT
ajbmeb-393	98	75	2017	2017	NUM
ajbmeb-393	98	76	;	;	PUNCT
ajbmeb-393	98	77	jiang	jiang	PROPN
ajbmeb-393	98	78	et	et	PROPN
ajbmeb-393	98	79	al	al	PROPN
ajbmeb-393	98	80	.	.	PROPN
ajbmeb-393	98	81	,	,	PUNCT
ajbmeb-393	98	82	2016	2016	NUM
ajbmeb-393	98	83	;	;	PUNCT
ajbmeb-393	98	84	krishnan	krishnan	PROPN
ajbmeb-393	98	85	,	,	PUNCT
ajbmeb-393	98	86	2014	2014	NUM
ajbmeb-393	98	87	;	;	PUNCT
ajbmeb-393	98	88	lee	lee	PROPN
ajbmeb-393	98	89	&	&	CCONJ
ajbmeb-393	98	90	lin	lin	PROPN
ajbmeb-393	98	91	,	,	PUNCT
ajbmeb-393	98	92	2005	2005	NUM
ajbmeb-393	98	93	;	;	PUNCT
ajbmeb-393	98	94	miskan	miskan	PROPN
ajbmeb-393	98	95	et	et	PROPN
ajbmeb-393	98	96	al	al	PROPN
ajbmeb-393	98	97	.	.	PROPN
ajbmeb-393	98	98	,	,	PUNCT
ajbmeb-393	98	99	2021	2021	NUM
ajbmeb-393	98	100	;	;	PUNCT
ajbmeb-393	98	101	olusolade	olusolade	NOUN
ajbmeb-393	98	102	aribake	aribake	PROPN
ajbmeb-393	98	103	&	&	CCONJ
ajbmeb-393	98	104	mat	mat	PROPN
ajbmeb-393	98	105	aji	aji	PROPN
ajbmeb-393	98	106	,	,	PUNCT
ajbmeb-393	98	107	2020	2020	NUM
ajbmeb-393	98	108	;	;	PUNCT
ajbmeb-393	98	109	rahi	rahi	NOUN
ajbmeb-393	98	110	et	et	PROPN
ajbmeb-393	98	111	al	al	PROPN
ajbmeb-393	98	112	.	.	PROPN
ajbmeb-393	98	113	,	,	PUNCT
ajbmeb-393	98	114	n.d	n.d	PROPN
ajbmeb-393	98	115	.	.	PROPN
ajbmeb-393	98	116	,	,	PUNCT
ajbmeb-393	98	117	2020	2020	NUM
ajbmeb-393	98	118	;	;	PUNCT
ajbmeb-393	98	119	samar	samar	PROPN
ajbmeb-393	98	120	et	et	PROPN
ajbmeb-393	98	121	al	al	PROPN
ajbmeb-393	98	122	.	.	PROPN
ajbmeb-393	98	123	,	,	PUNCT
ajbmeb-393	98	124	2021	2021	NUM
ajbmeb-393	98	125	)	)	PUNCT
ajbmeb-393	98	126	.	.	PUNCT
ajbmeb-393	99	1	this	this	DET
ajbmeb-393	99	2	study	study	NOUN
ajbmeb-393	99	3	was	be	AUX
ajbmeb-393	99	4	strengthened	strengthen	VERB
ajbmeb-393	99	5	to	to	PART
ajbmeb-393	99	6	employ	employ	VERB
ajbmeb-393	99	7	the	the	DET
ajbmeb-393	99	8	previous	previous	ADJ
ajbmeb-393	99	9	experiences	experience	NOUN
ajbmeb-393	99	10	presented	present	VERB
ajbmeb-393	99	11	by	by	ADP
ajbmeb-393	99	12	the	the	DET
ajbmeb-393	99	13	american	american	PROPN
ajbmeb-393	99	14	journal	journal	PROPN
ajbmeb-393	99	15	of	of	ADP
ajbmeb-393	99	16	business	business	NOUN
ajbmeb-393	99	17	management	management	NOUN
ajbmeb-393	99	18	,	,	PUNCT
ajbmeb-393	99	19	economics	economic	NOUN
ajbmeb-393	99	20	and	and	CCONJ
ajbmeb-393	99	21	banking	banking	NOUN
ajbmeb-393	99	22	volume	volume	NOUN
ajbmeb-393	99	23	9	9	NUM
ajbmeb-393	99	24	feb	feb	X
ajbmeb-393	99	25	.	.	PROPN
ajbmeb-393	99	26	,	,	PUNCT
ajbmeb-393	99	27	2023	2023	NUM
ajbmeb-393	99	28	p	p	NOUN
ajbmeb-393	99	29	a	a	DET
ajbmeb-393	99	30	g	g	NOUN
ajbmeb-393	99	31	e	e	NOUN
ajbmeb-393	99	32	|	|	ADV
ajbmeb-393	99	33	17	17	NUM
ajbmeb-393	99	34	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-393	99	35	researchers	researcher	NOUN
ajbmeb-393	99	36	in	in	ADP
ajbmeb-393	99	37	the	the	DET
ajbmeb-393	99	38	field	field	NOUN
ajbmeb-393	99	39	of	of	ADP
ajbmeb-393	99	40	study	study	NOUN
ajbmeb-393	99	41	,	,	PUNCT
ajbmeb-393	99	42	linking	link	VERB
ajbmeb-393	99	43	financial	financial	ADJ
ajbmeb-393	99	44	technology	technology	NOUN
ajbmeb-393	99	45	variables	variable	NOUN
ajbmeb-393	99	46	to	to	ADP
ajbmeb-393	99	47	improving	improve	VERB
ajbmeb-393	99	48	the	the	DET
ajbmeb-393	99	49	quality	quality	NOUN
ajbmeb-393	99	50	of	of	ADP
ajbmeb-393	99	51	electronic	electronic	ADJ
ajbmeb-393	99	52	banking	banking	NOUN
ajbmeb-393	99	53	services	service	NOUN
ajbmeb-393	99	54	,	,	PUNCT
ajbmeb-393	99	55	and	and	CCONJ
ajbmeb-393	99	56	coming	come	VERB
ajbmeb-393	99	57	up	up	ADP
ajbmeb-393	99	58	with	with	ADP
ajbmeb-393	99	59	a	a	DET
ajbmeb-393	99	60	theoretical	theoretical	ADJ
ajbmeb-393	99	61	framework	framework	NOUN
ajbmeb-393	99	62	for	for	ADP
ajbmeb-393	99	63	contemporary	contemporary	ADJ
ajbmeb-393	99	64	concepts	concept	NOUN
ajbmeb-393	99	65	,	,	PUNCT
ajbmeb-393	99	66	and	and	CCONJ
ajbmeb-393	99	67	the	the	DET
ajbmeb-393	99	68	possibility	possibility	NOUN
ajbmeb-393	99	69	of	of	ADP
ajbmeb-393	99	70	transferring	transfer	VERB
ajbmeb-393	99	71	them	they	PRON
ajbmeb-393	99	72	to	to	ADP
ajbmeb-393	99	73	the	the	DET
ajbmeb-393	99	74	banking	banking	NOUN
ajbmeb-393	99	75	sector	sector	NOUN
ajbmeb-393	99	76	's	's	PART
ajbmeb-393	99	77	work	work	NOUN
ajbmeb-393	99	78	environment	environment	NOUN
ajbmeb-393	99	79	.	.	PUNCT
ajbmeb-393	100	1	especially	especially	ADV
ajbmeb-393	100	2	commercial	commercial	ADJ
ajbmeb-393	100	3	banks	bank	NOUN
ajbmeb-393	100	4	operating	operate	VERB
ajbmeb-393	100	5	in	in	ADP
ajbmeb-393	100	6	the	the	DET
ajbmeb-393	100	7	hashemite	hashemite	ADJ
ajbmeb-393	100	8	kingdom	kingdom	NOUN
ajbmeb-393	100	9	of	of	ADP
ajbmeb-393	100	10	jordan	jordan	PROPN
ajbmeb-393	100	11	.	.	PUNCT
ajbmeb-393	101	1	in	in	ADP
ajbmeb-393	101	2	general	general	ADJ
ajbmeb-393	101	3	,	,	PUNCT
ajbmeb-393	101	4	this	this	DET
ajbmeb-393	101	5	study	study	NOUN
ajbmeb-393	101	6	will	will	AUX
ajbmeb-393	101	7	achieve	achieve	VERB
ajbmeb-393	101	8	a	a	DET
ajbmeb-393	101	9	new	new	ADJ
ajbmeb-393	101	10	addition	addition	NOUN
ajbmeb-393	101	11	in	in	ADP
ajbmeb-393	101	12	the	the	DET
ajbmeb-393	101	13	field	field	NOUN
ajbmeb-393	101	14	of	of	ADP
ajbmeb-393	101	15	knowledge	knowledge	NOUN
ajbmeb-393	101	16	of	of	ADP
ajbmeb-393	101	17	improving	improve	VERB
ajbmeb-393	101	18	the	the	DET
ajbmeb-393	101	19	quality	quality	NOUN
ajbmeb-393	101	20	of	of	ADP
ajbmeb-393	101	21	electronic	electronic	ADJ
ajbmeb-393	101	22	banking	banking	NOUN
ajbmeb-393	101	23	services	service	NOUN
ajbmeb-393	101	24	in	in	ADP
ajbmeb-393	101	25	the	the	DET
ajbmeb-393	101	26	banking	banking	NOUN
ajbmeb-393	101	27	sector	sector	NOUN
ajbmeb-393	101	28	by	by	ADP
ajbmeb-393	101	29	employing	employ	VERB
ajbmeb-393	101	30	financial	financial	ADJ
ajbmeb-393	101	31	technology	technology	NOUN
ajbmeb-393	101	32	variables	variable	NOUN
ajbmeb-393	101	33	in	in	ADP
ajbmeb-393	101	34	this	this	DET
ajbmeb-393	101	35	sector	sector	NOUN
ajbmeb-393	101	36	.	.	PUNCT
ajbmeb-393	102	1	4	4	X
ajbmeb-393	102	2	.	.	X
ajbmeb-393	102	3	conclusion	conclusion	NOUN
ajbmeb-393	102	4	financial	financial	ADJ
ajbmeb-393	102	5	technology	technology	NOUN
ajbmeb-393	102	6	has	have	VERB
ajbmeb-393	102	7	an	an	DET
ajbmeb-393	102	8	impact	impact	NOUN
ajbmeb-393	102	9	on	on	ADP
ajbmeb-393	102	10	all	all	DET
ajbmeb-393	102	11	major	major	ADJ
ajbmeb-393	102	12	stakeholders	stakeholder	NOUN
ajbmeb-393	102	13	and	and	CCONJ
ajbmeb-393	102	14	activities	activity	NOUN
ajbmeb-393	102	15	in	in	ADP
ajbmeb-393	102	16	the	the	DET
ajbmeb-393	102	17	bank	bank	NOUN
ajbmeb-393	102	18	,	,	PUNCT
ajbmeb-393	102	19	and	and	CCONJ
ajbmeb-393	102	20	the	the	DET
ajbmeb-393	102	21	adoption	adoption	NOUN
ajbmeb-393	102	22	of	of	ADP
ajbmeb-393	102	23	financial	financial	ADJ
ajbmeb-393	102	24	technology	technology	NOUN
ajbmeb-393	102	25	has	have	AUX
ajbmeb-393	102	26	contributed	contribute	VERB
ajbmeb-393	102	27	to	to	ADP
ajbmeb-393	102	28	growth	growth	NOUN
ajbmeb-393	102	29	in	in	ADP
ajbmeb-393	102	30	the	the	DET
ajbmeb-393	102	31	information	information	NOUN
ajbmeb-393	102	32	technology	technology	NOUN
ajbmeb-393	102	33	sector	sector	NOUN
ajbmeb-393	102	34	in	in	ADP
ajbmeb-393	102	35	general	general	ADJ
ajbmeb-393	102	36	and	and	CCONJ
ajbmeb-393	102	37	innovations	innovation	NOUN
ajbmeb-393	102	38	in	in	ADP
ajbmeb-393	102	39	the	the	DET
ajbmeb-393	102	40	field	field	NOUN
ajbmeb-393	102	41	of	of	ADP
ajbmeb-393	102	42	finance	finance	NOUN
ajbmeb-393	102	43	.	.	PUNCT
ajbmeb-393	103	1	despite	despite	SCONJ
ajbmeb-393	103	2	the	the	DET
ajbmeb-393	103	3	development	development	NOUN
ajbmeb-393	103	4	of	of	ADP
ajbmeb-393	103	5	the	the	DET
ajbmeb-393	103	6	volume	volume	NOUN
ajbmeb-393	103	7	of	of	ADP
ajbmeb-393	103	8	investments	investment	NOUN
ajbmeb-393	103	9	in	in	ADP
ajbmeb-393	103	10	financial	financial	ADJ
ajbmeb-393	103	11	technologies	technology	NOUN
ajbmeb-393	103	12	in	in	ADP
ajbmeb-393	103	13	the	the	DET
ajbmeb-393	103	14	arab	arab	ADJ
ajbmeb-393	103	15	countries	country	NOUN
ajbmeb-393	103	16	,	,	PUNCT
ajbmeb-393	103	17	its	its	PRON
ajbmeb-393	103	18	role	role	NOUN
ajbmeb-393	103	19	remains	remain	VERB
ajbmeb-393	103	20	in	in	ADP
ajbmeb-393	103	21	most	most	ADJ
ajbmeb-393	103	22	these	these	DET
ajbmeb-393	103	23	countries	country	NOUN
ajbmeb-393	103	24	are	be	AUX
ajbmeb-393	103	25	limited	limited	ADJ
ajbmeb-393	103	26	and	and	CCONJ
ajbmeb-393	103	27	weak	weak	ADJ
ajbmeb-393	103	28	in	in	ADP
ajbmeb-393	103	29	reducing	reduce	VERB
ajbmeb-393	103	30	the	the	DET
ajbmeb-393	103	31	financial	financial	ADJ
ajbmeb-393	103	32	inclusion	inclusion	NOUN
ajbmeb-393	103	33	gap	gap	NOUN
ajbmeb-393	103	34	in	in	ADP
ajbmeb-393	103	35	small	small	ADJ
ajbmeb-393	103	36	and	and	CCONJ
ajbmeb-393	103	37	medium	medium	ADJ
ajbmeb-393	103	38	enterprises	enterprise	NOUN
ajbmeb-393	103	39	.	.	PUNCT
ajbmeb-393	104	1	as	as	ADV
ajbmeb-393	104	2	all	all	DET
ajbmeb-393	104	3	the	the	DET
ajbmeb-393	104	4	variables	variable	NOUN
ajbmeb-393	104	5	that	that	PRON
ajbmeb-393	104	6	absorbed	absorb	VERB
ajbmeb-393	104	7	financial	financial	ADJ
ajbmeb-393	104	8	technology	technology	NOUN
ajbmeb-393	104	9	have	have	VERB
ajbmeb-393	104	10	a	a	DET
ajbmeb-393	104	11	negative	negative	ADJ
ajbmeb-393	104	12	impact	impact	NOUN
ajbmeb-393	104	13	on	on	ADP
ajbmeb-393	104	14	the	the	DET
ajbmeb-393	104	15	demand	demand	NOUN
ajbmeb-393	104	16	for	for	ADP
ajbmeb-393	104	17	money	money	NOUN
ajbmeb-393	104	18	(	(	PUNCT
ajbmeb-393	104	19	md	md	PROPN
ajbmeb-393	104	20	)	)	PUNCT
ajbmeb-393	104	21	for	for	ADP
ajbmeb-393	104	22	both	both	CCONJ
ajbmeb-393	104	23	mobile	mobile	ADJ
ajbmeb-393	104	24	phone	phone	NOUN
ajbmeb-393	104	25	subscriptions	subscription	NOUN
ajbmeb-393	104	26	(	(	PUNCT
ajbmeb-393	104	27	ms	ms	NOUN
ajbmeb-393	104	28	)	)	PUNCT
ajbmeb-393	104	29	and	and	CCONJ
ajbmeb-393	104	30	automated	automate	VERB
ajbmeb-393	104	31	teller	teller	NOUN
ajbmeb-393	104	32	machines	machine	NOUN
ajbmeb-393	104	33	(	(	PUNCT
ajbmeb-393	104	34	atm	atm	PROPN
ajbmeb-393	104	35	)	)	PUNCT
ajbmeb-393	104	36	a	a	DET
ajbmeb-393	104	37	negative	negative	ADJ
ajbmeb-393	104	38	relationship	relationship	NOUN
ajbmeb-393	104	39	with	with	ADP
ajbmeb-393	104	40	the	the	DET
ajbmeb-393	104	41	demand	demand	NOUN
ajbmeb-393	104	42	for	for	ADP
ajbmeb-393	104	43	money	money	NOUN
ajbmeb-393	104	44	(	(	PUNCT
ajbmeb-393	104	45	md	md	PROPN
ajbmeb-393	104	46	)	)	PUNCT
ajbmeb-393	104	47	.	.	PUNCT
ajbmeb-393	105	1	4.1	4.1	NUM
ajbmeb-393	105	2	recommendations	recommendation	NOUN
ajbmeb-393	105	3	based	base	VERB
ajbmeb-393	105	4	on	on	ADP
ajbmeb-393	105	5	the	the	DET
ajbmeb-393	105	6	discussions	discussion	NOUN
ajbmeb-393	105	7	that	that	PRON
ajbmeb-393	105	8	resulted	result	VERB
ajbmeb-393	105	9	from	from	ADP
ajbmeb-393	105	10	previous	previous	ADJ
ajbmeb-393	105	11	studies	study	NOUN
ajbmeb-393	105	12	and	and	CCONJ
ajbmeb-393	105	13	during	during	ADP
ajbmeb-393	105	14	our	our	PRON
ajbmeb-393	105	15	review	review	NOUN
ajbmeb-393	105	16	and	and	CCONJ
ajbmeb-393	105	17	comparison	comparison	NOUN
ajbmeb-393	105	18	of	of	ADP
ajbmeb-393	105	19	their	their	PRON
ajbmeb-393	105	20	results	result	NOUN
ajbmeb-393	105	21	,	,	PUNCT
ajbmeb-393	105	22	there	there	PRON
ajbmeb-393	105	23	is	be	VERB
ajbmeb-393	105	24	a	a	DET
ajbmeb-393	105	25	need	need	NOUN
ajbmeb-393	105	26	to	to	PART
ajbmeb-393	105	27	work	work	VERB
ajbmeb-393	105	28	on	on	ADP
ajbmeb-393	105	29	developing	develop	VERB
ajbmeb-393	105	30	and	and	CCONJ
ajbmeb-393	105	31	modernizing	modernize	VERB
ajbmeb-393	105	32	information	information	NOUN
ajbmeb-393	105	33	technology	technology	NOUN
ajbmeb-393	105	34	systems	system	NOUN
ajbmeb-393	105	35	in	in	ADP
ajbmeb-393	105	36	jordanian	jordanian	ADJ
ajbmeb-393	105	37	commercial	commercial	ADJ
ajbmeb-393	105	38	banks	bank	NOUN
ajbmeb-393	105	39	,	,	PUNCT
ajbmeb-393	105	40	in	in	ADP
ajbmeb-393	105	41	order	order	NOUN
ajbmeb-393	105	42	to	to	PART
ajbmeb-393	105	43	keep	keep	VERB
ajbmeb-393	105	44	pace	pace	NOUN
ajbmeb-393	105	45	with	with	ADP
ajbmeb-393	105	46	modern	modern	ADJ
ajbmeb-393	105	47	financial	financial	ADJ
ajbmeb-393	105	48	technology	technology	NOUN
ajbmeb-393	105	49	.	.	PUNCT
ajbmeb-393	106	1	in	in	ADP
ajbmeb-393	106	2	addition	addition	NOUN
ajbmeb-393	106	3	to	to	ADP
ajbmeb-393	106	4	the	the	DET
ajbmeb-393	106	5	need	need	NOUN
ajbmeb-393	106	6	for	for	ADP
ajbmeb-393	106	7	the	the	DET
ajbmeb-393	106	8	interest	interest	NOUN
ajbmeb-393	106	9	of	of	ADP
ajbmeb-393	106	10	the	the	DET
ajbmeb-393	106	11	jordanian	jordanian	ADJ
ajbmeb-393	106	12	commercial	commercial	ADJ
ajbmeb-393	106	13	bank	bank	NOUN
ajbmeb-393	106	14	departments	department	NOUN
ajbmeb-393	106	15	in	in	ADP
ajbmeb-393	106	16	the	the	DET
ajbmeb-393	106	17	capital	capital	NOUN
ajbmeb-393	106	18	,	,	PUNCT
ajbmeb-393	106	19	amman	amman	PROPN
ajbmeb-393	106	20	,	,	PUNCT
ajbmeb-393	106	21	in	in	ADP
ajbmeb-393	106	22	developing	develop	VERB
ajbmeb-393	106	23	electronic	electronic	ADJ
ajbmeb-393	106	24	payment	payment	NOUN
ajbmeb-393	106	25	services	service	NOUN
ajbmeb-393	106	26	and	and	CCONJ
ajbmeb-393	106	27	deepening	deepen	VERB
ajbmeb-393	106	28	customers	customer	NOUN
ajbmeb-393	106	29	'	'	PART
ajbmeb-393	106	30	understanding	understanding	NOUN
ajbmeb-393	106	31	of	of	ADP
ajbmeb-393	106	32	electronic	electronic	ADJ
ajbmeb-393	106	33	payment	payment	NOUN
ajbmeb-393	106	34	services	service	NOUN
ajbmeb-393	106	35	so	so	SCONJ
ajbmeb-393	106	36	that	that	SCONJ
ajbmeb-393	106	37	they	they	PRON
ajbmeb-393	106	38	can	can	AUX
ajbmeb-393	106	39	benefit	benefit	VERB
ajbmeb-393	106	40	more	more	ADJ
ajbmeb-393	106	41	from	from	ADP
ajbmeb-393	106	42	them	they	PRON
ajbmeb-393	106	43	.	.	PUNCT
ajbmeb-393	107	1	finally	finally	ADV
ajbmeb-393	107	2	,	,	PUNCT
ajbmeb-393	107	3	it	it	PRON
ajbmeb-393	107	4	is	be	AUX
ajbmeb-393	107	5	necessary	necessary	ADJ
ajbmeb-393	107	6	to	to	PART
ajbmeb-393	107	7	deepen	deepen	VERB
ajbmeb-393	107	8	the	the	DET
ajbmeb-393	107	9	departments	department	NOUN
ajbmeb-393	107	10	of	of	ADP
ajbmeb-393	107	11	jordanian	jordanian	ADJ
ajbmeb-393	107	12	commercial	commercial	ADJ
ajbmeb-393	107	13	banks	bank	NOUN
ajbmeb-393	107	14	to	to	PART
ajbmeb-393	107	15	motivate	motivate	VERB
ajbmeb-393	107	16	customers	customer	NOUN
ajbmeb-393	107	17	to	to	PART
ajbmeb-393	107	18	benefit	benefit	VERB
ajbmeb-393	107	19	from	from	ADP
ajbmeb-393	107	20	the	the	DET
ajbmeb-393	107	21	electronic	electronic	ADJ
ajbmeb-393	107	22	transfer	transfer	NOUN
ajbmeb-393	107	23	service	service	NOUN
ajbmeb-393	107	24	and	and	CCONJ
ajbmeb-393	107	25	to	to	PART
ajbmeb-393	107	26	facilitate	facilitate	VERB
ajbmeb-393	107	27	the	the	DET
ajbmeb-393	107	28	details	detail	NOUN
ajbmeb-393	107	29	related	relate	VERB
ajbmeb-393	107	30	to	to	ADP
ajbmeb-393	107	31	providing	provide	VERB
ajbmeb-393	107	32	the	the	DET
ajbmeb-393	107	33	service	service	NOUN
ajbmeb-393	107	34	,	,	PUNCT
ajbmeb-393	107	35	such	such	ADJ
ajbmeb-393	107	36	as	as	ADP
ajbmeb-393	107	37	not	not	PART
ajbmeb-393	107	38	exaggerating	exaggerate	VERB
ajbmeb-393	107	39	the	the	DET
ajbmeb-393	107	40	imposition	imposition	NOUN
ajbmeb-393	107	41	of	of	ADP
ajbmeb-393	107	42	fees	fee	NOUN
ajbmeb-393	107	43	on	on	ADP
ajbmeb-393	107	44	financial	financial	ADJ
ajbmeb-393	107	45	transfers	transfer	NOUN
ajbmeb-393	107	46	,	,	PUNCT
ajbmeb-393	107	47	and	and	CCONJ
ajbmeb-393	107	48	to	to	PART
ajbmeb-393	107	49	prepare	prepare	VERB
ajbmeb-393	107	50	electronic	electronic	ADJ
ajbmeb-393	107	51	platforms	platform	NOUN
ajbmeb-393	107	52	in	in	ADP
ajbmeb-393	107	53	a	a	DET
ajbmeb-393	107	54	way	way	NOUN
ajbmeb-393	107	55	that	that	PRON
ajbmeb-393	107	56	facilitates	facilitate	VERB
ajbmeb-393	107	57	the	the	DET
ajbmeb-393	107	58	use	use	NOUN
ajbmeb-393	107	59	of	of	ADP
ajbmeb-393	107	60	the	the	DET
ajbmeb-393	107	61	service	service	NOUN
ajbmeb-393	107	62	by	by	ADP
ajbmeb-393	107	63	customers	customer	NOUN
ajbmeb-393	107	64	.	.	PUNCT
ajbmeb-393	108	1	4.2	4.2	NUM
ajbmeb-393	108	2	future	future	ADJ
ajbmeb-393	108	3	research	research	NOUN
ajbmeb-393	108	4	despite	despite	SCONJ
ajbmeb-393	108	5	the	the	DET
ajbmeb-393	108	6	scientific	scientific	ADJ
ajbmeb-393	108	7	and	and	CCONJ
ajbmeb-393	108	8	practical	practical	ADJ
ajbmeb-393	108	9	contribution	contribution	NOUN
ajbmeb-393	108	10	presented	present	VERB
ajbmeb-393	108	11	in	in	ADP
ajbmeb-393	108	12	this	this	DET
ajbmeb-393	108	13	study	study	NOUN
ajbmeb-393	108	14	,	,	PUNCT
ajbmeb-393	108	15	there	there	PRON
ajbmeb-393	108	16	must	must	AUX
ajbmeb-393	108	17	be	be	AUX
ajbmeb-393	108	18	some	some	DET
ajbmeb-393	108	19	limits	limit	NOUN
ajbmeb-393	108	20	that	that	PRON
ajbmeb-393	108	21	may	may	AUX
ajbmeb-393	108	22	be	be	AUX
ajbmeb-393	108	23	important	important	ADJ
ajbmeb-393	108	24	in	in	ADP
ajbmeb-393	108	25	the	the	DET
ajbmeb-393	108	26	future	future	NOUN
ajbmeb-393	108	27	.	.	PUNCT
ajbmeb-393	109	1	accordingly	accordingly	ADV
ajbmeb-393	109	2	,	,	PUNCT
ajbmeb-393	109	3	studies	study	NOUN
ajbmeb-393	109	4	must	must	AUX
ajbmeb-393	109	5	be	be	AUX
ajbmeb-393	109	6	conducted	conduct	VERB
ajbmeb-393	109	7	in	in	ADP
ajbmeb-393	109	8	the	the	DET
ajbmeb-393	109	9	near	near	ADJ
ajbmeb-393	109	10	future	future	NOUN
ajbmeb-393	109	11	on	on	ADP
ajbmeb-393	109	12	other	other	ADJ
ajbmeb-393	109	13	banks	bank	NOUN
ajbmeb-393	109	14	dealing	deal	VERB
ajbmeb-393	109	15	with	with	ADP
ajbmeb-393	109	16	new	new	ADJ
ajbmeb-393	109	17	variables	variable	NOUN
ajbmeb-393	109	18	of	of	ADP
ajbmeb-393	109	19	financial	financial	ADJ
ajbmeb-393	109	20	technology	technology	NOUN
ajbmeb-393	109	21	,	,	PUNCT
ajbmeb-393	109	22	with	with	ADP
ajbmeb-393	109	23	a	a	DET
ajbmeb-393	109	24	focus	focus	NOUN
ajbmeb-393	109	25	on	on	ADP
ajbmeb-393	109	26	using	use	VERB
ajbmeb-393	109	27	other	other	ADJ
ajbmeb-393	109	28	statistical	statistical	ADJ
ajbmeb-393	109	29	methods	method	NOUN
ajbmeb-393	109	30	to	to	PART
ajbmeb-393	109	31	process	process	VERB
ajbmeb-393	109	32	the	the	DET
ajbmeb-393	109	33	data	datum	NOUN
ajbmeb-393	109	34	of	of	ADP
ajbmeb-393	109	35	the	the	DET
ajbmeb-393	109	36	study	study	NOUN
ajbmeb-393	109	37	that	that	PRON
ajbmeb-393	109	38	will	will	AUX
ajbmeb-393	109	39	be	be	AUX
ajbmeb-393	109	40	conducted	conduct	VERB
ajbmeb-393	109	41	in	in	ADP
ajbmeb-393	109	42	the	the	DET
ajbmeb-393	109	43	future	future	NOUN
ajbmeb-393	109	44	instead	instead	ADV
ajbmeb-393	109	45	of	of	ADP
ajbmeb-393	109	46	the	the	DET
ajbmeb-393	109	47	comparison	comparison	NOUN
ajbmeb-393	109	48	method	method	NOUN
ajbmeb-393	109	49	.	.	PUNCT
ajbmeb-393	110	1	taking	take	VERB
ajbmeb-393	110	2	into	into	ADP
ajbmeb-393	110	3	consideration	consideration	NOUN
ajbmeb-393	110	4	the	the	DET
ajbmeb-393	110	5	study	study	NOUN
ajbmeb-393	110	6	of	of	ADP
ajbmeb-393	110	7	the	the	DET
ajbmeb-393	110	8	relationship	relationship	NOUN
ajbmeb-393	110	9	between	between	ADP
ajbmeb-393	110	10	financial	financial	ADJ
ajbmeb-393	110	11	inclusion	inclusion	NOUN
ajbmeb-393	110	12	strategy	strategy	NOUN
ajbmeb-393	110	13	and	and	CCONJ
ajbmeb-393	110	14	modern	modern	ADJ
ajbmeb-393	110	15	financial	financial	ADJ
ajbmeb-393	110	16	technology	technology	NOUN
ajbmeb-393	110	17	.	.	PUNCT
ajbmeb-393	111	1	finally	finally	ADV
ajbmeb-393	111	2	,	,	PUNCT
ajbmeb-393	111	3	it	it	PRON
ajbmeb-393	111	4	is	be	AUX
ajbmeb-393	111	5	possible	possible	ADJ
ajbmeb-393	111	6	to	to	PART
ajbmeb-393	111	7	expand	expand	VERB
ajbmeb-393	111	8	in	in	ADP
ajbmeb-393	111	9	the	the	DET
ajbmeb-393	111	10	future	future	NOUN
ajbmeb-393	111	11	to	to	PART
ajbmeb-393	111	12	include	include	VERB
ajbmeb-393	111	13	the	the	DET
ajbmeb-393	111	14	use	use	NOUN
ajbmeb-393	111	15	of	of	ADP
ajbmeb-393	111	16	modern	modern	ADJ
ajbmeb-393	111	17	financial	financial	ADJ
ajbmeb-393	111	18	technology	technology	NOUN
ajbmeb-393	111	19	,	,	PUNCT
ajbmeb-393	111	20	on	on	ADP
ajbmeb-393	111	21	customer	customer	NOUN
ajbmeb-393	111	22	satisfaction	satisfaction	NOUN
ajbmeb-393	111	23	and	and	CCONJ
ajbmeb-393	111	24	loyalty	loyalty	NOUN
ajbmeb-393	111	25	.	.	PUNCT
ajbmeb-393	112	1	references	reference	NOUN
ajbmeb-393	112	2	1	1	NUM
ajbmeb-393	112	3	.	.	PUNCT
ajbmeb-393	113	1	abushareah	abushareah	PROPN
ajbmeb-393	113	2	,	,	PUNCT
ajbmeb-393	113	3	m.	m.	NOUN
ajbmeb-393	113	4	a.	a.	PROPN
ajbmeb-393	113	5	a.	a.	PROPN
ajbmeb-393	113	6	r.	r.	PROPN
ajbmeb-393	113	7	,	,	PUNCT
ajbmeb-393	113	8	&	&	CCONJ
ajbmeb-393	113	9	mohamed	mohamed	PROPN
ajbmeb-393	113	10	naim	naim	PROPN
ajbmeb-393	113	11	,	,	PUNCT
ajbmeb-393	113	12	a.	a.	NOUN
ajbmeb-393	113	13	(	(	PUNCT
ajbmeb-393	113	14	2015	2015	NUM
ajbmeb-393	113	15	)	)	PUNCT
ajbmeb-393	113	16	.	.	PUNCT
ajbmeb-393	114	1	the	the	DET
ajbmeb-393	114	2	practices	practice	NOUN
ajbmeb-393	114	3	of	of	ADP
ajbmeb-393	114	4	musharakah	musharakah	PROPN
ajbmeb-393	114	5	mutanaqisah	mutanaqisah	NOUN
ajbmeb-393	114	6	in	in	ADP
ajbmeb-393	114	7	islamic	islamic	ADJ
ajbmeb-393	114	8	financial	financial	ADJ
ajbmeb-393	114	9	institutions	institution	NOUN
ajbmeb-393	114	10	.	.	PUNCT
ajbmeb-393	115	1	international	international	ADJ
ajbmeb-393	115	2	journal	journal	PROPN
ajbmeb-393	115	3	of	of	ADP
ajbmeb-393	115	4	education	education	NOUN
ajbmeb-393	115	5	and	and	CCONJ
ajbmeb-393	115	6	social	social	ADJ
ajbmeb-393	115	7	science	science	NOUN
ajbmeb-393	115	8	,	,	PUNCT
ajbmeb-393	115	9	2(3	2(3	NUM
ajbmeb-393	115	10	)	)	PUNCT
ajbmeb-393	115	11	,	,	PUNCT
ajbmeb-393	115	12	105–114	105–114	NUM
ajbmeb-393	115	13	.	.	NOUN
ajbmeb-393	116	1	2	2	NUM
ajbmeb-393	116	2	.	.	X
ajbmeb-393	116	3	alsamirae	alsamirae	PROPN
ajbmeb-393	116	4	,	,	PUNCT
ajbmeb-393	116	5	z.	z.	PROPN
ajbmeb-393	116	6	,	,	PUNCT
ajbmeb-393	116	7	s.	s.	PROPN
ajbmeb-393	116	8	alshibly	alshibly	ADV
ajbmeb-393	116	9	,	,	PUNCT
ajbmeb-393	116	10	m.	m.	NOUN
ajbmeb-393	116	11	,	,	PUNCT
ajbmeb-393	116	12	&	&	CCONJ
ajbmeb-393	116	13	alghizzawi	alghizzawi	PROPN
ajbmeb-393	116	14	,	,	PUNCT
ajbmeb-393	116	15	m.	m.	NOUN
ajbmeb-393	116	16	(	(	PUNCT
ajbmeb-393	116	17	2020	2020	NUM
ajbmeb-393	116	18	)	)	PUNCT
ajbmeb-393	116	19	.	.	PUNCT
ajbmeb-393	117	1	excellence	excellence	NOUN
ajbmeb-393	117	2	in	in	ADP
ajbmeb-393	117	3	drawing	draw	VERB
ajbmeb-393	117	4	up	up	ADP
ajbmeb-393	117	5	marketing	marketing	NOUN
ajbmeb-393	117	6	american	american	ADJ
ajbmeb-393	117	7	journal	journal	PROPN
ajbmeb-393	117	8	of	of	ADP
ajbmeb-393	117	9	business	business	NOUN
ajbmeb-393	117	10	management	management	NOUN
ajbmeb-393	117	11	,	,	PUNCT
ajbmeb-393	117	12	economics	economic	NOUN
ajbmeb-393	117	13	and	and	CCONJ
ajbmeb-393	117	14	banking	banking	NOUN
ajbmeb-393	117	15	volume	volume	NOUN
ajbmeb-393	117	16	9	9	NUM
ajbmeb-393	117	17	feb	feb	X
ajbmeb-393	117	18	.	.	PROPN
ajbmeb-393	117	19	,	,	PUNCT
ajbmeb-393	117	20	2023	2023	NUM
ajbmeb-393	117	21	p	p	NOUN
ajbmeb-393	117	22	a	a	PRON
ajbmeb-393	117	23	g	g	NOUN
ajbmeb-393	117	24	e	e	NOUN
ajbmeb-393	117	25	|	|	ADV
ajbmeb-393	117	26	18	18	NUM
ajbmeb-393	117	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	117	28	mix	mix	NOUN
ajbmeb-393	117	29	strategies	strategy	NOUN
ajbmeb-393	117	30	for	for	ADP
ajbmeb-393	117	31	small	small	ADJ
ajbmeb-393	117	32	and	and	CCONJ
ajbmeb-393	117	33	medium	medium	ADJ
ajbmeb-393	117	34	enterprises	enterprise	NOUN
ajbmeb-393	117	35	(	(	PUNCT
ajbmeb-393	117	36	smes	sme	NOUN
ajbmeb-393	117	37	)	)	PUNCT
ajbmeb-393	117	38	and	and	CCONJ
ajbmeb-393	117	39	their	their	PRON
ajbmeb-393	117	40	impact	impact	NOUN
ajbmeb-393	117	41	on	on	ADP
ajbmeb-393	117	42	the	the	DET
ajbmeb-393	117	43	marketing	marketing	NOUN
ajbmeb-393	117	44	performance	performance	NOUN
ajbmeb-393	117	45	.	.	PUNCT
ajbmeb-393	118	1	business	business	NOUN
ajbmeb-393	118	2	,	,	PUNCT
ajbmeb-393	118	3	management	management	NOUN
ajbmeb-393	118	4	and	and	CCONJ
ajbmeb-393	118	5	economics	economic	NOUN
ajbmeb-393	118	6	research	research	NOUN
ajbmeb-393	118	7	,	,	PUNCT
ajbmeb-393	118	8	63	63	NUM
ajbmeb-393	118	9	,	,	PUNCT
ajbmeb-393	118	10	30–36	30–36	NUM
ajbmeb-393	118	11	.	.	PUNCT
ajbmeb-393	119	1	https://doi.org/10.32861/bmer.63.30.36	https://doi.org/10.32861/bmer.63.30.36	NOUN
ajbmeb-393	119	2	3	3	NUM
ajbmeb-393	119	3	.	.	PUNCT
ajbmeb-393	120	1	al	al	PROPN
ajbmeb-393	120	2	-	-	PUNCT
ajbmeb-393	120	3	majali	majali	PROPN
ajbmeb-393	120	4	,	,	PUNCT
ajbmeb-393	120	5	m.	m.	NOUN
ajbmeb-393	120	6	m.	m.	NOUN
ajbmeb-393	120	7	,	,	PUNCT
ajbmeb-393	120	8	&	&	CCONJ
ajbmeb-393	120	9	bashabsheh	bashabsheh	PROPN
ajbmeb-393	120	10	,	,	PUNCT
ajbmeb-393	120	11	a.	a.	NOUN
ajbmeb-393	120	12	a.	a.	NOUN
ajbmeb-393	120	13	(	(	PUNCT
ajbmeb-393	120	14	2016	2016	NUM
ajbmeb-393	120	15	)	)	PUNCT
ajbmeb-393	120	16	.	.	PUNCT
ajbmeb-393	121	1	factors	factor	NOUN
ajbmeb-393	121	2	that	that	PRON
ajbmeb-393	121	3	affect	affect	VERB
ajbmeb-393	121	4	commercial	commercial	ADJ
ajbmeb-393	121	5	banks	bank	NOUN
ajbmeb-393	121	6	customers	customer	NOUN
ajbmeb-393	121	7	intention	intention	NOUN
ajbmeb-393	121	8	towards	towards	ADP
ajbmeb-393	121	9	electronic	electronic	ADJ
ajbmeb-393	121	10	payment	payment	NOUN
ajbmeb-393	121	11	services	service	NOUN
ajbmeb-393	121	12	in	in	ADP
ajbmeb-393	121	13	jordan	jordan	PROPN
ajbmeb-393	121	14	.	.	PUNCT
ajbmeb-393	122	1	international	international	ADJ
ajbmeb-393	122	2	business	business	NOUN
ajbmeb-393	122	3	research	research	NOUN
ajbmeb-393	122	4	,	,	PUNCT
ajbmeb-393	122	5	9(3	9(3	NUM
ajbmeb-393	122	6	)	)	PUNCT
ajbmeb-393	122	7	,	,	PUNCT
ajbmeb-393	122	8	79	79	NUM
ajbmeb-393	122	9	.	.	NOUN
ajbmeb-393	123	1	4	4	NUM
ajbmeb-393	123	2	.	.	X
ajbmeb-393	123	3	al	al	PROPN
ajbmeb-393	123	4	-	-	PUNCT
ajbmeb-393	123	5	shibly	shibly	PROPN
ajbmeb-393	123	6	,	,	PUNCT
ajbmeb-393	123	7	m.	m.	NOUN
ajbmeb-393	123	8	s.	s.	PROPN
ajbmeb-393	123	9	,	,	PUNCT
ajbmeb-393	123	10	alghizzawi	alghizzawi	PROPN
ajbmeb-393	123	11	,	,	PUNCT
ajbmeb-393	123	12	m.	m.	NOUN
ajbmeb-393	123	13	,	,	PUNCT
ajbmeb-393	123	14	habes	habe	NOUN
ajbmeb-393	123	15	,	,	PUNCT
ajbmeb-393	123	16	m.	m.	NOUN
ajbmeb-393	123	17	,	,	PUNCT
ajbmeb-393	123	18	&	&	CCONJ
ajbmeb-393	123	19	salloum	salloum	PROPN
ajbmeb-393	123	20	,	,	PUNCT
ajbmeb-393	123	21	s.	s.	PROPN
ajbmeb-393	123	22	a.	a.	PROPN
ajbmeb-393	123	23	(	(	PUNCT
ajbmeb-393	123	24	2019	2019	NUM
ajbmeb-393	123	25	)	)	PUNCT
ajbmeb-393	123	26	.	.	PUNCT
ajbmeb-393	124	1	the	the	DET
ajbmeb-393	124	2	impact	impact	NOUN
ajbmeb-393	124	3	of	of	ADP
ajbmeb-393	124	4	demarketing	demarkete	VERB
ajbmeb-393	124	5	in	in	ADP
ajbmeb-393	124	6	reducing	reduce	VERB
ajbmeb-393	124	7	jordanian	jordanian	ADJ
ajbmeb-393	124	8	youth	youth	NOUN
ajbmeb-393	124	9	consumption	consumption	NOUN
ajbmeb-393	124	10	of	of	ADP
ajbmeb-393	124	11	energy	energy	NOUN
ajbmeb-393	124	12	drinks	drink	NOUN
ajbmeb-393	124	13	.	.	PUNCT
ajbmeb-393	125	1	international	international	ADJ
ajbmeb-393	125	2	conference	conference	NOUN
ajbmeb-393	125	3	on	on	ADP
ajbmeb-393	125	4	advanced	advanced	ADJ
ajbmeb-393	125	5	intelligent	intelligent	ADJ
ajbmeb-393	125	6	systems	system	NOUN
ajbmeb-393	125	7	and	and	CCONJ
ajbmeb-393	125	8	informatics	informatic	NOUN
ajbmeb-393	125	9	,	,	PUNCT
ajbmeb-393	125	10	427–437	427–437	NUM
ajbmeb-393	125	11	.	.	PUNCT
ajbmeb-393	126	1	5	5	NUM
ajbmeb-393	126	2	.	.	X
ajbmeb-393	126	3	al	al	PROPN
ajbmeb-393	126	4	samara	samara	PROPN
ajbmeb-393	126	5	,	,	PUNCT
ajbmeb-393	126	6	m.	m.	PROPN
ajbmeb-393	126	7	f.	f.	PROPN
ajbmeb-393	126	8	,	,	PUNCT
ajbmeb-393	126	9	al	al	PROPN
ajbmeb-393	126	10	ali	ali	PROPN
ajbmeb-393	126	11	,	,	PUNCT
ajbmeb-393	126	12	o.	o.	PROPN
ajbmeb-393	126	13	a.	a.	PROPN
ajbmeb-393	126	14	,	,	PUNCT
ajbmeb-393	126	15	&	&	CCONJ
ajbmeb-393	126	16	afeef	afeef	PROPN
ajbmeb-393	126	17	,	,	PUNCT
ajbmeb-393	126	18	j.	j.	PROPN
ajbmeb-393	126	19	h.	h.	PROPN
ajbmeb-393	126	20	a.	a.	PROPN
ajbmeb-393	126	21	(	(	PUNCT
ajbmeb-393	126	22	2019	2019	NUM
ajbmeb-393	126	23	)	)	PUNCT
ajbmeb-393	126	24	.	.	PUNCT
ajbmeb-393	127	1	the	the	DET
ajbmeb-393	127	2	impact	impact	NOUN
ajbmeb-393	127	3	of	of	ADP
ajbmeb-393	127	4	external	external	ADJ
ajbmeb-393	127	5	shari’ah	shari’ah	NOUN
ajbmeb-393	127	6	auditing	auditing	NOUN
ajbmeb-393	127	7	on	on	ADP
ajbmeb-393	127	8	the	the	DET
ajbmeb-393	127	9	efficiency	efficiency	NOUN
ajbmeb-393	127	10	of	of	ADP
ajbmeb-393	127	11	jordanian	jordanian	ADJ
ajbmeb-393	127	12	islamic	islamic	ADJ
ajbmeb-393	127	13	banks	bank	NOUN
ajbmeb-393	127	14	performance	performance	NOUN
ajbmeb-393	127	15	.	.	PUNCT
ajbmeb-393	128	1	international	international	ADJ
ajbmeb-393	128	2	journal	journal	PROPN
ajbmeb-393	128	3	of	of	ADP
ajbmeb-393	128	4	business	business	NOUN
ajbmeb-393	128	5	and	and	CCONJ
ajbmeb-393	128	6	management	management	NOUN
ajbmeb-393	128	7	,	,	PUNCT
ajbmeb-393	128	8	14(5	14(5	NUM
ajbmeb-393	128	9	)	)	PUNCT
ajbmeb-393	128	10	,	,	PUNCT
ajbmeb-393	128	11	183–191	183–191	NUM
ajbmeb-393	128	12	.	.	PUNCT
ajbmeb-393	129	1	6	6	NUM
ajbmeb-393	129	2	.	.	X
ajbmeb-393	129	3	alalwan	alalwan	NOUN
ajbmeb-393	129	4	,	,	PUNCT
ajbmeb-393	129	5	a.	a.	NOUN
ajbmeb-393	129	6	a.	a.	PROPN
ajbmeb-393	129	7	,	,	PUNCT
ajbmeb-393	129	8	dwivedi	dwivedi	PROPN
ajbmeb-393	129	9	,	,	PUNCT
ajbmeb-393	129	10	y.	y.	PROPN
ajbmeb-393	129	11	k.	k.	PROPN
ajbmeb-393	129	12	,	,	PUNCT
ajbmeb-393	129	13	&	&	CCONJ
ajbmeb-393	129	14	rana	rana	PROPN
ajbmeb-393	129	15	,	,	PUNCT
ajbmeb-393	129	16	n.	n.	PROPN
ajbmeb-393	129	17	p.	p.	PROPN
ajbmeb-393	129	18	(	(	PUNCT
ajbmeb-393	129	19	2017	2017	NUM
ajbmeb-393	129	20	)	)	PUNCT
ajbmeb-393	129	21	.	.	PUNCT
ajbmeb-393	130	1	factors	factor	NOUN
ajbmeb-393	130	2	influencing	influence	VERB
ajbmeb-393	130	3	adoption	adoption	NOUN
ajbmeb-393	130	4	of	of	ADP
ajbmeb-393	130	5	mobile	mobile	ADJ
ajbmeb-393	130	6	banking	banking	NOUN
ajbmeb-393	130	7	by	by	ADP
ajbmeb-393	130	8	jordanian	jordanian	ADJ
ajbmeb-393	130	9	bank	bank	NOUN
ajbmeb-393	130	10	customers	customer	NOUN
ajbmeb-393	130	11	:	:	PUNCT
ajbmeb-393	130	12	extending	extend	VERB
ajbmeb-393	130	13	utaut2	utaut2	NOUN
ajbmeb-393	130	14	with	with	ADP
ajbmeb-393	130	15	trust	trust	NOUN
ajbmeb-393	130	16	.	.	PUNCT
ajbmeb-393	131	1	international	international	ADJ
ajbmeb-393	131	2	journal	journal	PROPN
ajbmeb-393	131	3	of	of	ADP
ajbmeb-393	131	4	information	information	NOUN
ajbmeb-393	131	5	management	management	NOUN
ajbmeb-393	131	6	,	,	PUNCT
ajbmeb-393	131	7	37(3	37(3	NUM
ajbmeb-393	131	8	)	)	PUNCT
ajbmeb-393	131	9	,	,	PUNCT
ajbmeb-393	131	10	99–110	99–110	PROPN
ajbmeb-393	131	11	.	.	NOUN
ajbmeb-393	131	12	7	7	NUM
ajbmeb-393	131	13	.	.	X
ajbmeb-393	131	14	alghizzawi	alghizzawi	PROPN
ajbmeb-393	131	15	,	,	PUNCT
ajbmeb-393	131	16	m.	m.	NOUN
ajbmeb-393	131	17	(	(	PUNCT
ajbmeb-393	131	18	2019	2019	NUM
ajbmeb-393	131	19	)	)	PUNCT
ajbmeb-393	131	20	.	.	PUNCT
ajbmeb-393	132	1	the	the	DET
ajbmeb-393	132	2	role	role	NOUN
ajbmeb-393	132	3	of	of	ADP
ajbmeb-393	132	4	digital	digital	ADJ
ajbmeb-393	132	5	marketing	marketing	NOUN
ajbmeb-393	132	6	in	in	ADP
ajbmeb-393	132	7	consumer	consumer	NOUN
ajbmeb-393	132	8	behavior	behavior	NOUN
ajbmeb-393	132	9	:	:	PUNCT
ajbmeb-393	132	10	a	a	DET
ajbmeb-393	132	11	survey	survey	NOUN
ajbmeb-393	132	12	.	.	PUNCT
ajbmeb-393	133	1	international	international	ADJ
ajbmeb-393	133	2	journal	journal	PROPN
ajbmeb-393	133	3	of	of	ADP
ajbmeb-393	133	4	information	information	NOUN
ajbmeb-393	133	5	technology	technology	NOUN
ajbmeb-393	133	6	and	and	CCONJ
ajbmeb-393	133	7	language	language	NOUN
ajbmeb-393	133	8	studies	study	NOUN
ajbmeb-393	133	9	,	,	PUNCT
ajbmeb-393	133	10	3(1	3(1	NUM
ajbmeb-393	133	11	)	)	PUNCT
ajbmeb-393	133	12	.	.	PUNCT
ajbmeb-393	134	1	8	8	X
ajbmeb-393	134	2	.	.	X
ajbmeb-393	134	3	alghizzawi	alghizzawi	PROPN
ajbmeb-393	134	4	,	,	PUNCT
ajbmeb-393	134	5	m.	m.	NOUN
ajbmeb-393	134	6	,	,	PUNCT
ajbmeb-393	134	7	&	&	CCONJ
ajbmeb-393	134	8	habes	habes	PROPN
ajbmeb-393	134	9	,	,	PUNCT
ajbmeb-393	134	10	m.	m.	NOUN
ajbmeb-393	134	11	(	(	PUNCT
ajbmeb-393	134	12	2020	2020	NUM
ajbmeb-393	134	13	)	)	PUNCT
ajbmeb-393	134	14	.	.	PUNCT
ajbmeb-393	135	1	impacts	impact	NOUN
ajbmeb-393	135	2	of	of	ADP
ajbmeb-393	135	3	social	social	ADJ
ajbmeb-393	135	4	media	medium	NOUN
ajbmeb-393	135	5	and	and	CCONJ
ajbmeb-393	135	6	demographical	demographical	ADJ
ajbmeb-393	135	7	characteristics	characteristic	NOUN
ajbmeb-393	135	8	on	on	ADP
ajbmeb-393	135	9	university	university	NOUN
ajbmeb-393	135	10	admissions	admission	NOUN
ajbmeb-393	135	11	 	 	SPACE
ajbmeb-393	135	12	:	:	PUNCT
ajbmeb-393	135	13	case	case	NOUN
ajbmeb-393	135	14	of	of	ADP
ajbmeb-393	135	15	jordanian	jordanian	ADJ
ajbmeb-393	135	16	private	private	ADJ
ajbmeb-393	135	17	universities	university	NOUN
ajbmeb-393	135	18	.	.	PUNCT
ajbmeb-393	136	1	december	december	PROPN
ajbmeb-393	136	2	.	.	PUNCT
ajbmeb-393	137	1	9	9	X
ajbmeb-393	137	2	.	.	X
ajbmeb-393	137	3	alghzawi	alghzawi	PROPN
ajbmeb-393	137	4	,	,	PUNCT
ajbmeb-393	137	5	m.	m.	NOUN
ajbmeb-393	137	6	,	,	PUNCT
ajbmeb-393	137	7	alghizzawi	alghizzawi	NOUN
ajbmeb-393	137	8	,	,	PUNCT
ajbmeb-393	137	9	m.	m.	NOUN
ajbmeb-393	137	10	,	,	PUNCT
ajbmeb-393	137	11	&	&	CCONJ
ajbmeb-393	137	12	tarabieh	tarabieh	PROPN
ajbmeb-393	137	13	,	,	PUNCT
ajbmeb-393	137	14	s.	s.	PROPN
ajbmeb-393	137	15	(	(	PUNCT
ajbmeb-393	137	16	2020	2020	NUM
ajbmeb-393	137	17	)	)	PUNCT
ajbmeb-393	137	18	.	.	PUNCT
ajbmeb-393	138	1	consumer	consumer	NOUN
ajbmeb-393	138	2	impulsive	impulsive	ADJ
ajbmeb-393	138	3	buying	buying	NOUN
ajbmeb-393	138	4	behavior	behavior	NOUN
ajbmeb-393	138	5	of	of	ADP
ajbmeb-393	138	6	services	service	NOUN
ajbmeb-393	138	7	sector	sector	NOUN
ajbmeb-393	138	8	in	in	ADP
ajbmeb-393	138	9	jordan	jordan	PROPN
ajbmeb-393	138	10	.	.	PUNCT
ajbmeb-393	139	1	journalnx	journalnx	NOUN
ajbmeb-393	139	2	-	-	PUNCT
ajbmeb-393	139	3	a	a	DET
ajbmeb-393	139	4	multidisciplinary	multidisciplinary	ADJ
ajbmeb-393	139	5	peer	peer	NOUN
ajbmeb-393	139	6	reviewed	review	VERB
ajbmeb-393	139	7	journal	journal	NOUN
ajbmeb-393	139	8	,	,	PUNCT
ajbmeb-393	139	9	6(7	6(7	NUM
ajbmeb-393	139	10	)	)	PUNCT
ajbmeb-393	139	11	,	,	PUNCT
ajbmeb-393	139	12	227–237	227–237	NUM
ajbmeb-393	139	13	.	.	PUNCT
ajbmeb-393	139	14	10	10	NUM
ajbmeb-393	139	15	.	.	PUNCT
ajbmeb-393	140	1	almuhaisen	almuhaisen	PROPN
ajbmeb-393	140	2	,	,	PUNCT
ajbmeb-393	140	3	o.	o.	PROPN
ajbmeb-393	140	4	,	,	PUNCT
ajbmeb-393	140	5	habes	habe	NOUN
ajbmeb-393	140	6	,	,	PUNCT
ajbmeb-393	140	7	m.	m.	NOUN
ajbmeb-393	140	8	,	,	PUNCT
ajbmeb-393	140	9	&	&	CCONJ
ajbmeb-393	140	10	alghizzawi	alghizzawi	PROPN
ajbmeb-393	140	11	,	,	PUNCT
ajbmeb-393	140	12	m.	m.	NOUN
ajbmeb-393	140	13	(	(	PUNCT
ajbmeb-393	140	14	2020	2020	NUM
ajbmeb-393	140	15	)	)	PUNCT
ajbmeb-393	140	16	.	.	PUNCT
ajbmeb-393	141	1	an	an	DET
ajbmeb-393	141	2	empirical	empirical	ADJ
ajbmeb-393	141	3	investigation	investigation	NOUN
ajbmeb-393	141	4	the	the	DET
ajbmeb-393	141	5	use	use	NOUN
ajbmeb-393	141	6	of	of	ADP
ajbmeb-393	141	7	information	information	NOUN
ajbmeb-393	141	8	,	,	PUNCT
ajbmeb-393	141	9	communication	communication	NOUN
ajbmeb-393	141	10	technologies	technology	NOUN
ajbmeb-393	141	11	to	to	ADP
ajbmeb-393	141	12	english	english	PROPN
ajbmeb-393	141	13	language	language	NOUN
ajbmeb-393	141	14	acquisition	acquisition	NOUN
ajbmeb-393	141	15	:	:	PUNCT
ajbmeb-393	141	16	a	a	DET
ajbmeb-393	141	17	case	case	NOUN
ajbmeb-393	141	18	study	study	NOUN
ajbmeb-393	141	19	from	from	ADP
ajbmeb-393	141	20	the	the	DET
ajbmeb-393	141	21	jordan	jordan	PROPN
ajbmeb-393	141	22	.	.	PUNCT
ajbmeb-393	142	1	development	development	PROPN
ajbmeb-393	142	2	,	,	PUNCT
ajbmeb-393	142	3	7(5	7(5	NUM
ajbmeb-393	142	4	)	)	PUNCT
ajbmeb-393	142	5	.	.	PUNCT
ajbmeb-393	143	1	11	11	NUM
ajbmeb-393	143	2	.	.	X
ajbmeb-393	144	1	alnaser	alnaser	PROPN
ajbmeb-393	144	2	,	,	PUNCT
ajbmeb-393	144	3	a.	a.	PROPN
ajbmeb-393	144	4	s.	s.	PROPN
ajbmeb-393	144	5	,	,	PUNCT
ajbmeb-393	144	6	habes	habe	NOUN
ajbmeb-393	144	7	,	,	PUNCT
ajbmeb-393	144	8	m.	m.	NOUN
ajbmeb-393	144	9	,	,	PUNCT
ajbmeb-393	144	10	alghizzawi	alghizzawi	NOUN
ajbmeb-393	144	11	,	,	PUNCT
ajbmeb-393	144	12	m.	m.	NOUN
ajbmeb-393	144	13	,	,	PUNCT
ajbmeb-393	144	14	&	&	CCONJ
ajbmeb-393	144	15	ali	ali	PROPN
ajbmeb-393	144	16	,	,	PUNCT
ajbmeb-393	144	17	s.	s.	PROPN
ajbmeb-393	144	18	(	(	PUNCT
ajbmeb-393	144	19	2020	2020	NUM
ajbmeb-393	144	20	)	)	PUNCT
ajbmeb-393	144	21	.	.	PUNCT
ajbmeb-393	145	1	the	the	DET
ajbmeb-393	145	2	relation	relation	NOUN
ajbmeb-393	145	3	among	among	ADP
ajbmeb-393	145	4	marketing	marketing	NOUN
ajbmeb-393	145	5	ads	ad	NOUN
ajbmeb-393	145	6	,	,	PUNCT
ajbmeb-393	145	7	via	via	ADP
ajbmeb-393	145	8	digital	digital	ADJ
ajbmeb-393	145	9	media	medium	NOUN
ajbmeb-393	145	10	and	and	CCONJ
ajbmeb-393	145	11	mitigate	mitigate	NOUN
ajbmeb-393	145	12	(	(	PUNCT
ajbmeb-393	145	13	covid-19	covid-19	PROPN
ajbmeb-393	145	14	)	)	PUNCT
ajbmeb-393	145	15	pandemic	pandemic	NOUN
ajbmeb-393	145	16	in	in	ADP
ajbmeb-393	145	17	jordan	jordan	PROPN
ajbmeb-393	145	18	.	.	PUNCT
ajbmeb-393	146	1	dspace.urbe.university	dspace.urbe.university	PROPN
ajbmeb-393	146	2	,	,	PUNCT
ajbmeb-393	146	3	july	july	PROPN
ajbmeb-393	146	4	.	.	PROPN
ajbmeb-393	147	1	12	12	NUM
ajbmeb-393	147	2	.	.	PUNCT
ajbmeb-393	148	1	alnawafleh	alnawafleh	PROPN
ajbmeb-393	148	2	,	,	PUNCT
ajbmeb-393	148	3	h.	h.	PROPN
ajbmeb-393	148	4	,	,	PUNCT
ajbmeb-393	148	5	alghizzawi	alghizzawi	PROPN
ajbmeb-393	148	6	,	,	PUNCT
ajbmeb-393	148	7	m.	m.	NOUN
ajbmeb-393	148	8	,	,	PUNCT
ajbmeb-393	148	9	&	&	CCONJ
ajbmeb-393	148	10	habes	habes	PROPN
ajbmeb-393	148	11	,	,	PUNCT
ajbmeb-393	148	12	m.	m.	NOUN
ajbmeb-393	148	13	(	(	PUNCT
ajbmeb-393	148	14	2019	2019	NUM
ajbmeb-393	148	15	)	)	PUNCT
ajbmeb-393	148	16	.	.	PUNCT
ajbmeb-393	149	1	the	the	DET
ajbmeb-393	149	2	impact	impact	NOUN
ajbmeb-393	149	3	of	of	ADP
ajbmeb-393	149	4	introducing	introduce	VERB
ajbmeb-393	149	5	international	international	ADJ
ajbmeb-393	149	6	brands	brand	NOUN
ajbmeb-393	149	7	on	on	ADP
ajbmeb-393	149	8	the	the	DET
ajbmeb-393	149	9	development	development	NOUN
ajbmeb-393	149	10	of	of	ADP
ajbmeb-393	149	11	jordanian	jordanian	ADJ
ajbmeb-393	149	12	tourism	tourism	NOUN
ajbmeb-393	149	13	.	.	PUNCT
ajbmeb-393	150	1	international	international	ADJ
ajbmeb-393	150	2	journal	journal	PROPN
ajbmeb-393	150	3	of	of	ADP
ajbmeb-393	150	4	information	information	NOUN
ajbmeb-393	150	5	technology	technology	NOUN
ajbmeb-393	150	6	and	and	CCONJ
ajbmeb-393	150	7	language	language	NOUN
ajbmeb-393	150	8	studies	study	NOUN
ajbmeb-393	150	9	,	,	PUNCT
ajbmeb-393	150	10	3(2	3(2	NUM
ajbmeb-393	150	11	)	)	PUNCT
ajbmeb-393	150	12	.	.	PUNCT
ajbmeb-393	151	1	13	13	NUM
ajbmeb-393	151	2	.	.	X
ajbmeb-393	152	1	alshurideh	alshurideh	PROPN
ajbmeb-393	152	2	,	,	PUNCT
ajbmeb-393	152	3	m.	m.	NOUN
ajbmeb-393	152	4	(	(	PUNCT
ajbmeb-393	152	5	2022	2022	NUM
ajbmeb-393	152	6	)	)	PUNCT
ajbmeb-393	152	7	.	.	PUNCT
ajbmeb-393	153	1	does	do	AUX
ajbmeb-393	153	2	electronic	electronic	ADJ
ajbmeb-393	153	3	customer	customer	NOUN
ajbmeb-393	153	4	relationship	relationship	NOUN
ajbmeb-393	153	5	management	management	NOUN
ajbmeb-393	153	6	(	(	PUNCT
ajbmeb-393	153	7	e	e	NOUN
ajbmeb-393	153	8	-	-	NOUN
ajbmeb-393	153	9	crm	crm	NOUN
ajbmeb-393	153	10	)	)	PUNCT
ajbmeb-393	153	11	affect	affect	VERB
ajbmeb-393	153	12	service	service	NOUN
ajbmeb-393	153	13	quality	quality	NOUN
ajbmeb-393	153	14	at	at	ADP
ajbmeb-393	153	15	private	private	ADJ
ajbmeb-393	153	16	hospitals	hospital	NOUN
ajbmeb-393	153	17	in	in	ADP
ajbmeb-393	153	18	jordan	jordan	PROPN
ajbmeb-393	153	19	?	?	PUNCT
ajbmeb-393	154	1	uncertain	uncertain	ADJ
ajbmeb-393	154	2	supply	supply	NOUN
ajbmeb-393	154	3	chain	chain	NOUN
ajbmeb-393	154	4	management	management	NOUN
ajbmeb-393	154	5	,	,	PUNCT
ajbmeb-393	154	6	10(2	10(2	NUM
ajbmeb-393	154	7	)	)	PUNCT
ajbmeb-393	154	8	,	,	PUNCT
ajbmeb-393	154	9	325	325	NUM
ajbmeb-393	154	10	–	–	PUNCT
ajbmeb-393	154	11	332	332	NUM
ajbmeb-393	154	12	.	.	NOUN
ajbmeb-393	155	1	14	14	NUM
ajbmeb-393	155	2	.	.	X
ajbmeb-393	155	3	asfour	asfour	PROPN
ajbmeb-393	155	4	,	,	PUNCT
ajbmeb-393	155	5	h.	h.	PROPN
ajbmeb-393	155	6	k.	k.	PROPN
ajbmeb-393	155	7	,	,	PUNCT
ajbmeb-393	155	8	&	&	CCONJ
ajbmeb-393	155	9	haddad	haddad	PROPN
ajbmeb-393	155	10	,	,	PUNCT
ajbmeb-393	155	11	s.	s.	PROPN
ajbmeb-393	155	12	i.	i.	PROPN
ajbmeb-393	155	13	(	(	PUNCT
ajbmeb-393	155	14	2014	2014	NUM
ajbmeb-393	155	15	)	)	PUNCT
ajbmeb-393	155	16	.	.	PUNCT
ajbmeb-393	156	1	the	the	DET
ajbmeb-393	156	2	impact	impact	NOUN
ajbmeb-393	156	3	of	of	ADP
ajbmeb-393	156	4	mobile	mobile	ADJ
ajbmeb-393	156	5	banking	banking	NOUN
ajbmeb-393	156	6	on	on	ADP
ajbmeb-393	156	7	enhancing	enhance	VERB
ajbmeb-393	156	8	customers	customer	NOUN
ajbmeb-393	156	9	’	'	PUNCT
ajbmeb-393	156	10	e	e	NOUN
ajbmeb-393	156	11	-	-	NOUN
ajbmeb-393	156	12	satisfaction	satisfaction	NOUN
ajbmeb-393	156	13	:	:	PUNCT
ajbmeb-393	156	14	an	an	DET
ajbmeb-393	156	15	empirical	empirical	ADJ
ajbmeb-393	156	16	study	study	NOUN
ajbmeb-393	156	17	on	on	ADP
ajbmeb-393	156	18	commercial	commercial	ADJ
ajbmeb-393	156	19	banks	bank	NOUN
ajbmeb-393	156	20	in	in	ADP
ajbmeb-393	156	21	jordan	jordan	PROPN
ajbmeb-393	156	22	.	.	PUNCT
ajbmeb-393	157	1	international	international	ADJ
ajbmeb-393	157	2	business	business	NOUN
ajbmeb-393	157	3	research	research	NOUN
ajbmeb-393	157	4	,	,	PUNCT
ajbmeb-393	157	5	7(10	7(10	NUM
ajbmeb-393	157	6	)	)	PUNCT
ajbmeb-393	157	7	,	,	PUNCT
ajbmeb-393	157	8	145	145	NUM
ajbmeb-393	157	9	.	.	NOUN
ajbmeb-393	157	10	15	15	NUM
ajbmeb-393	157	11	.	.	X
ajbmeb-393	158	1	dash	dash	NOUN
ajbmeb-393	158	2	,	,	PUNCT
ajbmeb-393	158	3	b.	b.	PROPN
ajbmeb-393	158	4	,	,	PUNCT
ajbmeb-393	158	5	&	&	CCONJ
ajbmeb-393	158	6	sharma	sharma	PROPN
ajbmeb-393	158	7	,	,	PUNCT
ajbmeb-393	158	8	p.	p.	NOUN
ajbmeb-393	158	9	(	(	PUNCT
ajbmeb-393	158	10	2022	2022	NUM
ajbmeb-393	158	11	)	)	PUNCT
ajbmeb-393	158	12	.	.	PUNCT
ajbmeb-393	159	1	role	role	NOUN
ajbmeb-393	159	2	of	of	ADP
ajbmeb-393	159	3	artificial	artificial	ADJ
ajbmeb-393	159	4	intelligence	intelligence	NOUN
ajbmeb-393	159	5	in	in	ADP
ajbmeb-393	159	6	smart	smart	ADJ
ajbmeb-393	159	7	cities	city	NOUN
ajbmeb-393	159	8	for	for	ADP
ajbmeb-393	159	9	information	information	NOUN
ajbmeb-393	159	10	gathering	gathering	NOUN
ajbmeb-393	159	11	and	and	CCONJ
ajbmeb-393	159	12	dissemination	dissemination	NOUN
ajbmeb-393	159	13	(	(	PUNCT
ajbmeb-393	159	14	a	a	DET
ajbmeb-393	159	15	review	review	NOUN
ajbmeb-393	159	16	)	)	PUNCT
ajbmeb-393	159	17	.	.	PUNCT
ajbmeb-393	160	1	academic	academic	ADJ
ajbmeb-393	160	2	journal	journal	NOUN
ajbmeb-393	160	3	of	of	ADP
ajbmeb-393	160	4	research	research	NOUN
ajbmeb-393	160	5	and	and	CCONJ
ajbmeb-393	160	6	scientific	scientific	ADJ
ajbmeb-393	160	7	publishing	publishing	NOUN
ajbmeb-393	160	8	,	,	PUNCT
ajbmeb-393	160	9	4(39	4(39	NUM
ajbmeb-393	160	10	)	)	PUNCT
ajbmeb-393	160	11	.	.	PUNCT
ajbmeb-393	161	1	16	16	NUM
ajbmeb-393	161	2	.	.	PUNCT
ajbmeb-393	162	1	garg	garg	NOUN
ajbmeb-393	162	2	,	,	PUNCT
ajbmeb-393	162	3	p.	p.	PROPN
ajbmeb-393	162	4	,	,	PUNCT
ajbmeb-393	162	5	gupta	gupta	PROPN
ajbmeb-393	162	6	,	,	PUNCT
ajbmeb-393	162	7	b.	b.	PROPN
ajbmeb-393	162	8	,	,	PUNCT
ajbmeb-393	162	9	chauhan	chauhan	PROPN
ajbmeb-393	162	10	,	,	PUNCT
ajbmeb-393	162	11	a.	a.	PROPN
ajbmeb-393	162	12	k.	k.	PROPN
ajbmeb-393	162	13	,	,	PUNCT
ajbmeb-393	162	14	sivarajah	sivarajah	PROPN
ajbmeb-393	162	15	,	,	PUNCT
ajbmeb-393	162	16	u.	u.	PROPN
ajbmeb-393	162	17	,	,	PUNCT
ajbmeb-393	162	18	gupta	gupta	PROPN
ajbmeb-393	162	19	,	,	PUNCT
ajbmeb-393	162	20	s.	s.	PROPN
ajbmeb-393	162	21	,	,	PUNCT
ajbmeb-393	162	22	&	&	CCONJ
ajbmeb-393	162	23	modgil	modgil	PROPN
ajbmeb-393	162	24	,	,	PUNCT
ajbmeb-393	162	25	s.	s.	PROPN
ajbmeb-393	162	26	(	(	PUNCT
ajbmeb-393	162	27	2021	2021	NUM
ajbmeb-393	162	28	)	)	PUNCT
ajbmeb-393	162	29	.	.	PUNCT
ajbmeb-393	163	1	measuring	measure	VERB
ajbmeb-393	163	2	the	the	DET
ajbmeb-393	163	3	perceived	perceive	VERB
ajbmeb-393	163	4	benefits	benefit	NOUN
ajbmeb-393	163	5	of	of	ADP
ajbmeb-393	163	6	implementing	implement	VERB
ajbmeb-393	163	7	blockchain	blockchain	PROPN
ajbmeb-393	163	8	technology	technology	NOUN
ajbmeb-393	163	9	in	in	ADP
ajbmeb-393	163	10	the	the	DET
ajbmeb-393	163	11	banking	banking	NOUN
ajbmeb-393	163	12	sector	sector	NOUN
ajbmeb-393	163	13	.	.	PUNCT
ajbmeb-393	164	1	technological	technological	ADJ
ajbmeb-393	164	2	forecasting	forecasting	NOUN
ajbmeb-393	164	3	and	and	CCONJ
ajbmeb-393	164	4	social	social	ADJ
ajbmeb-393	164	5	change	change	NOUN
ajbmeb-393	164	6	,	,	PUNCT
ajbmeb-393	164	7	163	163	NUM
ajbmeb-393	164	8	,	,	PUNCT
ajbmeb-393	164	9	120407	120407	NUM
ajbmeb-393	164	10	.	.	PUNCT
ajbmeb-393	165	1	17	17	NUM
ajbmeb-393	165	2	.	.	PUNCT
ajbmeb-393	166	1	habes	habe	NOUN
ajbmeb-393	166	2	,	,	PUNCT
ajbmeb-393	166	3	m.	m.	NOUN
ajbmeb-393	166	4	,	,	PUNCT
ajbmeb-393	166	5	alghizzawi	alghizzawi	NOUN
ajbmeb-393	166	6	,	,	PUNCT
ajbmeb-393	166	7	m.	m.	NOUN
ajbmeb-393	166	8	,	,	PUNCT
ajbmeb-393	166	9	elareshi	elareshi	PROPN
ajbmeb-393	166	10	,	,	PUNCT
ajbmeb-393	166	11	m.	m.	NOUN
ajbmeb-393	166	12	,	,	PUNCT
ajbmeb-393	166	13	ziani	ziani	PROPN
ajbmeb-393	166	14	,	,	PUNCT
ajbmeb-393	166	15	a.	a.	NOUN
ajbmeb-393	166	16	,	,	PUNCT
ajbmeb-393	166	17	qudah	qudah	NOUN
ajbmeb-393	166	18	,	,	PUNCT
ajbmeb-393	166	19	m.	m.	NOUN
ajbmeb-393	166	20	,	,	PUNCT
ajbmeb-393	166	21	&	&	CCONJ
ajbmeb-393	166	22	al	al	PROPN
ajbmeb-393	166	23	hammadi	hammadi	PROPN
ajbmeb-393	166	24	,	,	PUNCT
ajbmeb-393	166	25	m.	m.	NOUN
ajbmeb-393	166	26	m.	m.	NOUN
ajbmeb-393	166	27	(	(	PUNCT
ajbmeb-393	166	28	2023	2023	NUM
ajbmeb-393	166	29	)	)	PUNCT
ajbmeb-393	166	30	.	.	PUNCT
ajbmeb-393	167	1	e	e	X
ajbmeb-393	167	2	-	-	NOUN
ajbmeb-393	167	3	marketing	marketing	NOUN
ajbmeb-393	167	4	and	and	CCONJ
ajbmeb-393	167	5	customers	customer	NOUN
ajbmeb-393	167	6	’	'	PUNCT
ajbmeb-393	167	7	bank	bank	NOUN
ajbmeb-393	167	8	loyalty	loyalty	NOUN
ajbmeb-393	167	9	enhancement	enhancement	NOUN
ajbmeb-393	167	10	:	:	PUNCT
ajbmeb-393	167	11	jordanians	jordanians	PROPN
ajbmeb-393	167	12	’	’	PART
ajbmeb-393	167	13	perspectives	perspective	NOUN
ajbmeb-393	167	14	.	.	PUNCT
ajbmeb-393	168	1	in	in	ADP
ajbmeb-393	168	2	the	the	DET
ajbmeb-393	168	3	american	american	ADJ
ajbmeb-393	168	4	journal	journal	PROPN
ajbmeb-393	168	5	of	of	ADP
ajbmeb-393	168	6	business	business	NOUN
ajbmeb-393	168	7	management	management	NOUN
ajbmeb-393	168	8	,	,	PUNCT
ajbmeb-393	168	9	economics	economic	NOUN
ajbmeb-393	168	10	and	and	CCONJ
ajbmeb-393	168	11	banking	banking	NOUN
ajbmeb-393	168	12	volume	volume	NOUN
ajbmeb-393	168	13	9	9	NUM
ajbmeb-393	168	14	feb	feb	X
ajbmeb-393	168	15	.	.	PROPN
ajbmeb-393	168	16	,	,	PUNCT
ajbmeb-393	168	17	2023	2023	NUM
ajbmeb-393	168	18	p	p	NOUN
ajbmeb-393	168	19	a	a	DET
ajbmeb-393	168	20	g	g	NOUN
ajbmeb-393	168	21	e	e	NOUN
ajbmeb-393	168	22	|	|	ADV
ajbmeb-393	168	23	19	19	NUM
ajbmeb-393	168	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	168	25	implementation	implementation	NOUN
ajbmeb-393	168	26	of	of	ADP
ajbmeb-393	168	27	smart	smart	ADJ
ajbmeb-393	168	28	technologies	technology	NOUN
ajbmeb-393	168	29	for	for	ADP
ajbmeb-393	168	30	business	business	NOUN
ajbmeb-393	168	31	success	success	NOUN
ajbmeb-393	168	32	and	and	CCONJ
ajbmeb-393	168	33	sustainability	sustainability	NOUN
ajbmeb-393	168	34	(	(	PUNCT
ajbmeb-393	168	35	pp	pp	ADJ
ajbmeb-393	168	36	.	.	PUNCT
ajbmeb-393	168	37	37–47	37–47	NUM
ajbmeb-393	168	38	)	)	PUNCT
ajbmeb-393	168	39	.	.	PUNCT
ajbmeb-393	169	1	springer	springer	NOUN
ajbmeb-393	169	2	.	.	PUNCT
ajbmeb-393	170	1	18	18	NUM
ajbmeb-393	170	2	.	.	PUNCT
ajbmeb-393	171	1	habes	habe	NOUN
ajbmeb-393	171	2	,	,	PUNCT
ajbmeb-393	171	3	m.	m.	NOUN
ajbmeb-393	171	4	,	,	PUNCT
ajbmeb-393	171	5	alghizzawi	alghizzawi	NOUN
ajbmeb-393	171	6	,	,	PUNCT
ajbmeb-393	171	7	m.	m.	NOUN
ajbmeb-393	171	8	,	,	PUNCT
ajbmeb-393	171	9	salloum	salloum	NOUN
ajbmeb-393	171	10	,	,	PUNCT
ajbmeb-393	171	11	s.	s.	PROPN
ajbmeb-393	171	12	a.	a.	PROPN
ajbmeb-393	171	13	,	,	PUNCT
ajbmeb-393	171	14	&	&	CCONJ
ajbmeb-393	171	15	ahmad	ahmad	PROPN
ajbmeb-393	171	16	,	,	PUNCT
ajbmeb-393	171	17	m.	m.	PROPN
ajbmeb-393	171	18	f.	f.	PROPN
ajbmeb-393	171	19	(	(	PUNCT
ajbmeb-393	171	20	2018	2018	NUM
ajbmeb-393	171	21	)	)	PUNCT
ajbmeb-393	171	22	.	.	PUNCT
ajbmeb-393	172	1	the	the	DET
ajbmeb-393	172	2	use	use	NOUN
ajbmeb-393	172	3	of	of	ADP
ajbmeb-393	172	4	mobile	mobile	ADJ
ajbmeb-393	172	5	technology	technology	NOUN
ajbmeb-393	172	6	in	in	ADP
ajbmeb-393	172	7	the	the	DET
ajbmeb-393	172	8	marketing	marketing	NOUN
ajbmeb-393	172	9	of	of	ADP
ajbmeb-393	172	10	therapeutic	therapeutic	ADJ
ajbmeb-393	172	11	tourist	tourist	NOUN
ajbmeb-393	172	12	sites	site	NOUN
ajbmeb-393	172	13	:	:	PUNCT
ajbmeb-393	172	14	a	a	DET
ajbmeb-393	172	15	critical	critical	ADJ
ajbmeb-393	172	16	analysis	analysis	NOUN
ajbmeb-393	172	17	.	.	PUNCT
ajbmeb-393	173	1	international	international	ADJ
ajbmeb-393	173	2	journal	journal	NOUN
ajbmeb-393	173	3	of	of	ADP
ajbmeb-393	173	4	information	information	NOUN
ajbmeb-393	173	5	technology	technology	NOUN
ajbmeb-393	173	6	and	and	CCONJ
ajbmeb-393	173	7	language	language	NOUN
ajbmeb-393	173	8	studies	study	NOUN
ajbmeb-393	173	9	,	,	PUNCT
ajbmeb-393	173	10	2(2	2(2	NUM
ajbmeb-393	173	11	)	)	PUNCT
ajbmeb-393	173	12	.	.	PUNCT
ajbmeb-393	174	1	19	19	NUM
ajbmeb-393	174	2	.	.	PUNCT
ajbmeb-393	175	1	habes	habe	NOUN
ajbmeb-393	175	2	,	,	PUNCT
ajbmeb-393	175	3	m.	m.	NOUN
ajbmeb-393	175	4	,	,	PUNCT
ajbmeb-393	175	5	alghizzawi	alghizzawi	NOUN
ajbmeb-393	175	6	,	,	PUNCT
ajbmeb-393	175	7	m.	m.	NOUN
ajbmeb-393	175	8	,	,	PUNCT
ajbmeb-393	175	9	salloum	salloum	NOUN
ajbmeb-393	175	10	,	,	PUNCT
ajbmeb-393	175	11	s.	s.	PROPN
ajbmeb-393	175	12	a.	a.	PROPN
ajbmeb-393	175	13	,	,	PUNCT
ajbmeb-393	175	14	&	&	CCONJ
ajbmeb-393	175	15	mhamdi	mhamdi	PROPN
ajbmeb-393	175	16	,	,	PUNCT
ajbmeb-393	175	17	c.	c.	NOUN
ajbmeb-393	175	18	(	(	PUNCT
ajbmeb-393	175	19	2021	2021	NUM
ajbmeb-393	175	20	)	)	PUNCT
ajbmeb-393	175	21	.	.	PUNCT
ajbmeb-393	176	1	effects	effect	NOUN
ajbmeb-393	176	2	of	of	ADP
ajbmeb-393	176	3	facebook	facebook	PROPN
ajbmeb-393	176	4	personal	personal	PROPN
ajbmeb-393	176	5	news	news	PROPN
ajbmeb-393	176	6	sharing	sharing	NOUN
ajbmeb-393	176	7	on	on	ADP
ajbmeb-393	176	8	building	build	VERB
ajbmeb-393	176	9	social	social	ADJ
ajbmeb-393	176	10	capital	capital	NOUN
ajbmeb-393	176	11	in	in	ADP
ajbmeb-393	176	12	jordanian	jordanian	ADJ
ajbmeb-393	176	13	universities	university	NOUN
ajbmeb-393	176	14	.	.	PUNCT
ajbmeb-393	177	1	in	in	ADP
ajbmeb-393	177	2	studies	study	NOUN
ajbmeb-393	177	3	in	in	ADP
ajbmeb-393	177	4	systems	system	NOUN
ajbmeb-393	177	5	,	,	PUNCT
ajbmeb-393	177	6	decision	decision	NOUN
ajbmeb-393	177	7	and	and	CCONJ
ajbmeb-393	177	8	control	control	NOUN
ajbmeb-393	177	9	(	(	PUNCT
ajbmeb-393	177	10	vol	vol	NOUN
ajbmeb-393	177	11	.	.	NOUN
ajbmeb-393	177	12	295	295	NUM
ajbmeb-393	177	13	,	,	PUNCT
ajbmeb-393	177	14	issue	issue	NOUN
ajbmeb-393	177	15	june	june	PROPN
ajbmeb-393	177	16	2020	2020	NUM
ajbmeb-393	177	17	)	)	PUNCT
ajbmeb-393	177	18	.	.	PUNCT
ajbmeb-393	178	1	springer	springer	NOUN
ajbmeb-393	178	2	international	international	ADJ
ajbmeb-393	178	3	publishing	publishing	NOUN
ajbmeb-393	178	4	.	.	PUNCT
ajbmeb-393	179	1	https://doi.org/10.1007/978-3-030-47411-9_35	https://doi.org/10.1007/978-3-030-47411-9_35	PROPN
ajbmeb-393	179	2	20	20	NUM
ajbmeb-393	179	3	.	.	PUNCT
ajbmeb-393	180	1	higgins	higgins	PROPN
ajbmeb-393	180	2	,	,	PUNCT
ajbmeb-393	180	3	j.	j.	PROPN
ajbmeb-393	180	4	p.	p.	PROPN
ajbmeb-393	180	5	t.	t.	PROPN
ajbmeb-393	180	6	,	,	PUNCT
ajbmeb-393	180	7	li	li	PROPN
ajbmeb-393	180	8	,	,	PUNCT
ajbmeb-393	180	9	t.	t.	PROPN
ajbmeb-393	180	10	,	,	PUNCT
ajbmeb-393	180	11	&	&	CCONJ
ajbmeb-393	180	12	deeks	deek	NOUN
ajbmeb-393	180	13	,	,	PUNCT
ajbmeb-393	180	14	j.	j.	PROPN
ajbmeb-393	180	15	j.	j.	PROPN
ajbmeb-393	180	16	(	(	PUNCT
ajbmeb-393	180	17	2019	2019	NUM
ajbmeb-393	180	18	)	)	PUNCT
ajbmeb-393	180	19	.	.	PUNCT
ajbmeb-393	181	1	choosing	choose	VERB
ajbmeb-393	181	2	effect	effect	NOUN
ajbmeb-393	181	3	measures	measure	NOUN
ajbmeb-393	181	4	and	and	CCONJ
ajbmeb-393	181	5	computing	computing	NOUN
ajbmeb-393	181	6	estimates	estimate	NOUN
ajbmeb-393	181	7	of	of	ADP
ajbmeb-393	181	8	effect	effect	NOUN
ajbmeb-393	181	9	.	.	PUNCT
ajbmeb-393	182	1	cochrane	cochrane	NOUN
ajbmeb-393	182	2	handbook	handbook	NOUN
ajbmeb-393	182	3	for	for	ADP
ajbmeb-393	182	4	systematic	systematic	ADJ
ajbmeb-393	182	5	reviews	review	NOUN
ajbmeb-393	182	6	of	of	ADP
ajbmeb-393	182	7	interventions	intervention	NOUN
ajbmeb-393	182	8	,	,	PUNCT
ajbmeb-393	182	9	143–176	143–176	NUM
ajbmeb-393	182	10	.	.	PUNCT
ajbmeb-393	183	1	21	21	NUM
ajbmeb-393	183	2	.	.	PUNCT
ajbmeb-393	184	1	hua	hua	PROPN
ajbmeb-393	184	2	,	,	PUNCT
ajbmeb-393	184	3	x.	x.	PROPN
ajbmeb-393	184	4	,	,	PUNCT
ajbmeb-393	184	5	huang	huang	PROPN
ajbmeb-393	184	6	,	,	PUNCT
ajbmeb-393	184	7	y.	y.	PROPN
ajbmeb-393	184	8	,	,	PUNCT
ajbmeb-393	184	9	&	&	CCONJ
ajbmeb-393	184	10	zheng	zheng	PROPN
ajbmeb-393	184	11	,	,	PUNCT
ajbmeb-393	184	12	y.	y.	PROPN
ajbmeb-393	184	13	(	(	PUNCT
ajbmeb-393	184	14	2019	2019	NUM
ajbmeb-393	184	15	)	)	PUNCT
ajbmeb-393	184	16	.	.	PUNCT
ajbmeb-393	185	1	current	current	ADJ
ajbmeb-393	185	2	practices	practice	NOUN
ajbmeb-393	185	3	,	,	PUNCT
ajbmeb-393	185	4	new	new	ADJ
ajbmeb-393	185	5	insights	insight	NOUN
ajbmeb-393	185	6	,	,	PUNCT
ajbmeb-393	185	7	and	and	CCONJ
ajbmeb-393	185	8	emerging	emerge	VERB
ajbmeb-393	185	9	trends	trend	NOUN
ajbmeb-393	185	10	of	of	ADP
ajbmeb-393	185	11	financial	financial	ADJ
ajbmeb-393	185	12	technologies	technology	NOUN
ajbmeb-393	185	13	.	.	PUNCT
ajbmeb-393	186	1	industrial	industrial	ADJ
ajbmeb-393	186	2	management	management	PROPN
ajbmeb-393	186	3	&	&	CCONJ
ajbmeb-393	186	4	data	datum	NOUN
ajbmeb-393	186	5	systems	system	NOUN
ajbmeb-393	186	6	.	.	PUNCT
ajbmeb-393	187	1	22	22	NUM
ajbmeb-393	187	2	.	.	PUNCT
ajbmeb-393	188	1	hundal	hundal	NOUN
ajbmeb-393	188	2	,	,	PUNCT
ajbmeb-393	188	3	s.	s.	PROPN
ajbmeb-393	188	4	,	,	PUNCT
ajbmeb-393	188	5	&	&	CCONJ
ajbmeb-393	188	6	zinakova	zinakova	PROPN
ajbmeb-393	188	7	,	,	PUNCT
ajbmeb-393	188	8	t.	t.	PROPN
ajbmeb-393	188	9	(	(	PUNCT
ajbmeb-393	188	10	2021	2021	NUM
ajbmeb-393	188	11	)	)	PUNCT
ajbmeb-393	188	12	.	.	PUNCT
ajbmeb-393	189	1	financial	financial	ADJ
ajbmeb-393	189	2	technology	technology	NOUN
ajbmeb-393	189	3	in	in	ADP
ajbmeb-393	189	4	the	the	DET
ajbmeb-393	189	5	finnish	finnish	ADJ
ajbmeb-393	189	6	banking	banking	NOUN
ajbmeb-393	189	7	sector	sector	NOUN
ajbmeb-393	189	8	and	and	CCONJ
ajbmeb-393	189	9	its	its	PRON
ajbmeb-393	189	10	impact	impact	NOUN
ajbmeb-393	189	11	on	on	ADP
ajbmeb-393	189	12	stakeholders	stakeholder	NOUN
ajbmeb-393	189	13	in	in	ADP
ajbmeb-393	189	14	the	the	DET
ajbmeb-393	189	15	wake	wake	NOUN
ajbmeb-393	189	16	of	of	ADP
ajbmeb-393	189	17	covid-19	covid-19	PROPN
ajbmeb-393	189	18	.	.	PUNCT
ajbmeb-393	189	19	risk	risk	NOUN
ajbmeb-393	189	20	governance	governance	NOUN
ajbmeb-393	189	21	&	&	CCONJ
ajbmeb-393	189	22	control	control	PROPN
ajbmeb-393	189	23	:	:	PUNCT
ajbmeb-393	189	24	financial	financial	ADJ
ajbmeb-393	189	25	markets	market	NOUN
ajbmeb-393	189	26	&	&	CCONJ
ajbmeb-393	189	27	institutions	institution	NOUN
ajbmeb-393	189	28	,	,	PUNCT
ajbmeb-393	189	29	11(1	11(1	NUM
ajbmeb-393	189	30	)	)	PUNCT
ajbmeb-393	189	31	,	,	PUNCT
ajbmeb-393	189	32	8–19	8–19	NOUN
ajbmeb-393	189	33	.	.	PUNCT
ajbmeb-393	190	1	23	23	NUM
ajbmeb-393	190	2	.	.	X
ajbmeb-393	190	3	ighomereho	ighomereho	NOUN
ajbmeb-393	190	4	,	,	PUNCT
ajbmeb-393	190	5	o.	o.	PROPN
ajbmeb-393	190	6	s.	s.	PROPN
ajbmeb-393	190	7	,	,	PUNCT
ajbmeb-393	190	8	afolabi	afolabi	NOUN
ajbmeb-393	190	9	,	,	PUNCT
ajbmeb-393	190	10	t.	t.	PROPN
ajbmeb-393	190	11	s.	s.	PROPN
ajbmeb-393	190	12	,	,	PUNCT
ajbmeb-393	190	13	&	&	CCONJ
ajbmeb-393	190	14	oluwakoya	oluwakoya	PROPN
ajbmeb-393	190	15	,	,	PUNCT
ajbmeb-393	190	16	a.	a.	NOUN
ajbmeb-393	190	17	o.	o.	NOUN
ajbmeb-393	190	18	(	(	PUNCT
ajbmeb-393	190	19	2022	2022	NUM
ajbmeb-393	190	20	)	)	PUNCT
ajbmeb-393	190	21	.	.	PUNCT
ajbmeb-393	191	1	impact	impact	NOUN
ajbmeb-393	191	2	of	of	ADP
ajbmeb-393	191	3	e	e	NOUN
ajbmeb-393	191	4	-	-	NOUN
ajbmeb-393	191	5	service	service	ADJ
ajbmeb-393	191	6	quality	quality	NOUN
ajbmeb-393	191	7	on	on	ADP
ajbmeb-393	191	8	customer	customer	NOUN
ajbmeb-393	191	9	satisfaction	satisfaction	NOUN
ajbmeb-393	191	10	:	:	PUNCT
ajbmeb-393	191	11	a	a	DET
ajbmeb-393	191	12	study	study	NOUN
ajbmeb-393	191	13	of	of	ADP
ajbmeb-393	191	14	internet	internet	NOUN
ajbmeb-393	191	15	banking	banking	NOUN
ajbmeb-393	191	16	for	for	ADP
ajbmeb-393	191	17	general	general	ADJ
ajbmeb-393	191	18	and	and	CCONJ
ajbmeb-393	191	19	maritime	maritime	ADJ
ajbmeb-393	191	20	services	service	NOUN
ajbmeb-393	191	21	in	in	ADP
ajbmeb-393	191	22	nigeria	nigeria	PROPN
ajbmeb-393	191	23	.	.	PUNCT
ajbmeb-393	192	1	journal	journal	PROPN
ajbmeb-393	192	2	of	of	ADP
ajbmeb-393	192	3	financial	financial	ADJ
ajbmeb-393	192	4	services	service	NOUN
ajbmeb-393	192	5	marketing	marketing	NOUN
ajbmeb-393	192	6	,	,	PUNCT
ajbmeb-393	192	7	1–14	1–14	PROPN
ajbmeb-393	192	8	.	.	PROPN
ajbmeb-393	192	9	24	24	NUM
ajbmeb-393	192	10	.	.	PUNCT
ajbmeb-393	193	1	ismail	ismail	PROPN
ajbmeb-393	193	2	,	,	PUNCT
ajbmeb-393	193	3	l.	l.	PROPN
ajbmeb-393	193	4	b.	b.	PROPN
ajbmeb-393	193	5	,	,	PUNCT
ajbmeb-393	193	6	&	&	CCONJ
ajbmeb-393	193	7	alawamleh	alawamleh	PROPN
ajbmeb-393	193	8	,	,	PUNCT
ajbmeb-393	193	9	m.	m.	NOUN
ajbmeb-393	193	10	(	(	PUNCT
ajbmeb-393	193	11	2017	2017	NUM
ajbmeb-393	193	12	)	)	PUNCT
ajbmeb-393	193	13	.	.	PUNCT
ajbmeb-393	194	1	the	the	DET
ajbmeb-393	194	2	impact	impact	NOUN
ajbmeb-393	194	3	of	of	ADP
ajbmeb-393	194	4	online	online	ADJ
ajbmeb-393	194	5	banking	banking	NOUN
ajbmeb-393	194	6	of	of	ADP
ajbmeb-393	194	7	customer	customer	NOUN
ajbmeb-393	194	8	satisfaction	satisfaction	NOUN
ajbmeb-393	194	9	in	in	ADP
ajbmeb-393	194	10	jordan	jordan	PROPN
ajbmeb-393	194	11	.	.	PUNCT
ajbmeb-393	195	1	journal	journal	PROPN
ajbmeb-393	195	2	of	of	ADP
ajbmeb-393	195	3	organisational	organisational	ADJ
ajbmeb-393	195	4	studies	study	NOUN
ajbmeb-393	195	5	and	and	CCONJ
ajbmeb-393	195	6	innovation	innovation	NOUN
ajbmeb-393	195	7	,	,	PUNCT
ajbmeb-393	195	8	4(2	4(2	NUM
ajbmeb-393	195	9	)	)	PUNCT
ajbmeb-393	195	10	,	,	PUNCT
ajbmeb-393	195	11	1–13	1–13	NOUN
ajbmeb-393	195	12	.	.	PUNCT
ajbmeb-393	195	13	25	25	NUM
ajbmeb-393	195	14	.	.	PUNCT
ajbmeb-393	196	1	jiang	jiang	PROPN
ajbmeb-393	196	2	,	,	PUNCT
ajbmeb-393	196	3	l.	l.	PROPN
ajbmeb-393	196	4	,	,	PUNCT
ajbmeb-393	196	5	jun	jun	PROPN
ajbmeb-393	196	6	,	,	PUNCT
ajbmeb-393	196	7	m.	m.	NOUN
ajbmeb-393	196	8	,	,	PUNCT
ajbmeb-393	196	9	&	&	CCONJ
ajbmeb-393	196	10	yang	yang	PROPN
ajbmeb-393	196	11	,	,	PUNCT
ajbmeb-393	196	12	z.	z.	PROPN
ajbmeb-393	196	13	(	(	PUNCT
ajbmeb-393	196	14	2016	2016	NUM
ajbmeb-393	196	15	)	)	PUNCT
ajbmeb-393	196	16	.	.	PUNCT
ajbmeb-393	197	1	customer	customer	NOUN
ajbmeb-393	197	2	-	-	PUNCT
ajbmeb-393	197	3	perceived	perceive	VERB
ajbmeb-393	197	4	value	value	NOUN
ajbmeb-393	197	5	and	and	CCONJ
ajbmeb-393	197	6	loyalty	loyalty	NOUN
ajbmeb-393	197	7	:	:	PUNCT
ajbmeb-393	197	8	how	how	SCONJ
ajbmeb-393	197	9	do	do	VERB
ajbmeb-393	197	10	key	key	ADJ
ajbmeb-393	197	11	service	service	NOUN
ajbmeb-393	197	12	quality	quality	NOUN
ajbmeb-393	197	13	dimensions	dimension	NOUN
ajbmeb-393	197	14	matter	matter	NOUN
ajbmeb-393	197	15	in	in	ADP
ajbmeb-393	197	16	the	the	DET
ajbmeb-393	197	17	context	context	NOUN
ajbmeb-393	197	18	of	of	ADP
ajbmeb-393	197	19	b2c	b2c	PROPN
ajbmeb-393	197	20	e	e	NOUN
ajbmeb-393	197	21	-	-	NOUN
ajbmeb-393	197	22	commerce	commerce	NOUN
ajbmeb-393	197	23	?	?	PUNCT
ajbmeb-393	198	1	service	service	NOUN
ajbmeb-393	198	2	business	business	NOUN
ajbmeb-393	198	3	,	,	PUNCT
ajbmeb-393	198	4	10	10	NUM
ajbmeb-393	198	5	,	,	PUNCT
ajbmeb-393	198	6	301–317	301–317	NUM
ajbmeb-393	198	7	.	.	PUNCT
ajbmeb-393	199	1	26	26	NUM
ajbmeb-393	199	2	.	.	PUNCT
ajbmeb-393	199	3	krishnan	krishnan	PROPN
ajbmeb-393	199	4	,	,	PUNCT
ajbmeb-393	199	5	s.	s.	PROPN
ajbmeb-393	199	6	(	(	PUNCT
ajbmeb-393	199	7	2014	2014	NUM
ajbmeb-393	199	8	)	)	PUNCT
ajbmeb-393	199	9	.	.	PUNCT
ajbmeb-393	200	1	the	the	DET
ajbmeb-393	200	2	power	power	NOUN
ajbmeb-393	200	3	of	of	ADP
ajbmeb-393	200	4	mobile	mobile	ADJ
ajbmeb-393	200	5	banking	banking	NOUN
ajbmeb-393	200	6	:	:	PUNCT
ajbmeb-393	200	7	how	how	SCONJ
ajbmeb-393	200	8	to	to	PART
ajbmeb-393	200	9	profit	profit	VERB
ajbmeb-393	200	10	from	from	ADP
ajbmeb-393	200	11	the	the	DET
ajbmeb-393	200	12	revolution	revolution	NOUN
ajbmeb-393	200	13	in	in	ADP
ajbmeb-393	200	14	retail	retail	ADJ
ajbmeb-393	200	15	financial	financial	ADJ
ajbmeb-393	200	16	services	service	NOUN
ajbmeb-393	200	17	.	.	PUNCT
ajbmeb-393	201	1	john	john	PROPN
ajbmeb-393	201	2	wiley	wiley	PROPN
ajbmeb-393	201	3	&	&	CCONJ
ajbmeb-393	201	4	sons	son	NOUN
ajbmeb-393	201	5	.	.	PUNCT
ajbmeb-393	202	1	27	27	NUM
ajbmeb-393	202	2	.	.	PUNCT
ajbmeb-393	203	1	kustiningsih	kustiningsih	PROPN
ajbmeb-393	203	2	,	,	PUNCT
ajbmeb-393	203	3	n.	n.	PROPN
ajbmeb-393	203	4	,	,	PUNCT
ajbmeb-393	203	5	kalbuana	kalbuana	PROPN
ajbmeb-393	203	6	,	,	PUNCT
ajbmeb-393	203	7	n.	n.	NOUN
ajbmeb-393	203	8	,	,	PUNCT
ajbmeb-393	203	9	rochman	rochman	NOUN
ajbmeb-393	203	10	,	,	PUNCT
ajbmeb-393	203	11	a.	a.	PROPN
ajbmeb-393	203	12	s.	s.	PROPN
ajbmeb-393	203	13	,	,	PUNCT
ajbmeb-393	203	14	farid	farid	PROPN
ajbmeb-393	203	15	,	,	PUNCT
ajbmeb-393	203	16	m.	m.	NOUN
ajbmeb-393	203	17	m.	m.	NOUN
ajbmeb-393	203	18	,	,	PUNCT
ajbmeb-393	203	19	bharmawan	bharmawan	PROPN
ajbmeb-393	203	20	,	,	PUNCT
ajbmeb-393	203	21	a.	a.	PROPN
ajbmeb-393	203	22	s.	s.	PROPN
ajbmeb-393	203	23	,	,	PUNCT
ajbmeb-393	203	24	farida	farida	PROPN
ajbmeb-393	203	25	,	,	PUNCT
ajbmeb-393	203	26	i.	i.	PROPN
ajbmeb-393	203	27	,	,	PUNCT
ajbmeb-393	203	28	sholikha	sholikha	PROPN
ajbmeb-393	203	29	,	,	PUNCT
ajbmeb-393	203	30	s.	s.	PROPN
ajbmeb-393	203	31	m.	m.	PROPN
ajbmeb-393	203	32	,	,	PUNCT
ajbmeb-393	203	33	setiawan	setiawan	PROPN
ajbmeb-393	203	34	,	,	PUNCT
ajbmeb-393	203	35	d.	d.	PROPN
ajbmeb-393	203	36	,	,	PUNCT
ajbmeb-393	203	37	&	&	CCONJ
ajbmeb-393	203	38	hidayat	hidayat	PROPN
ajbmeb-393	203	39	,	,	PUNCT
ajbmeb-393	203	40	w.	w.	PROPN
ajbmeb-393	203	41	(	(	PUNCT
ajbmeb-393	203	42	2020	2020	NUM
ajbmeb-393	203	43	)	)	PUNCT
ajbmeb-393	203	44	.	.	PUNCT
ajbmeb-393	204	1	study	study	NOUN
ajbmeb-393	204	2	ratio	ratio	NOUN
ajbmeb-393	204	3	financial	financial	PROPN
ajbmeb-393	204	4	of	of	ADP
ajbmeb-393	204	5	bank	bank	NOUN
ajbmeb-393	204	6	performance	performance	NOUN
ajbmeb-393	204	7	:	:	PUNCT
ajbmeb-393	204	8	evidence	evidence	NOUN
ajbmeb-393	204	9	from	from	ADP
ajbmeb-393	204	10	indonesia	indonesia	PROPN
ajbmeb-393	204	11	.	.	PROPN
ajbmeb-393	205	1	palarch	palarch	PROPN
ajbmeb-393	205	2	’s	’s	PART
ajbmeb-393	205	3	journal	journal	PROPN
ajbmeb-393	205	4	of	of	ADP
ajbmeb-393	205	5	archaeology	archaeology	NOUN
ajbmeb-393	205	6	of	of	ADP
ajbmeb-393	205	7	egypt	egypt	PROPN
ajbmeb-393	205	8	/	/	SYM
ajbmeb-393	205	9	egyptology	egyptology	NOUN
ajbmeb-393	205	10	,	,	PUNCT
ajbmeb-393	205	11	17(9	17(9	NOUN
ajbmeb-393	205	12	)	)	PUNCT
ajbmeb-393	205	13	,	,	PUNCT
ajbmeb-393	205	14	6571–6605	6571–6605	NUM
ajbmeb-393	205	15	.	.	PUNCT
ajbmeb-393	206	1	28	28	NUM
ajbmeb-393	206	2	.	.	PUNCT
ajbmeb-393	207	1	lee	lee	PROPN
ajbmeb-393	207	2	,	,	PUNCT
ajbmeb-393	207	3	g.	g.	PROPN
ajbmeb-393	207	4	,	,	PUNCT
ajbmeb-393	207	5	&	&	CCONJ
ajbmeb-393	207	6	lin	lin	PROPN
ajbmeb-393	207	7	,	,	PUNCT
ajbmeb-393	207	8	h.	h.	PROPN
ajbmeb-393	207	9	(	(	PUNCT
ajbmeb-393	207	10	2005	2005	NUM
ajbmeb-393	207	11	)	)	PUNCT
ajbmeb-393	207	12	.	.	PUNCT
ajbmeb-393	208	1	customer	customer	NOUN
ajbmeb-393	208	2	perceptions	perception	NOUN
ajbmeb-393	208	3	of	of	ADP
ajbmeb-393	208	4	e‐service	e‐service	PUNCT
ajbmeb-393	208	5	quality	quality	NOUN
ajbmeb-393	208	6	in	in	ADP
ajbmeb-393	208	7	online	online	ADJ
ajbmeb-393	208	8	shopping	shopping	NOUN
ajbmeb-393	208	9	.	.	PUNCT
ajbmeb-393	209	1	international	international	ADJ
ajbmeb-393	209	2	journal	journal	PROPN
ajbmeb-393	209	3	of	of	ADP
ajbmeb-393	209	4	retail	retail	PROPN
ajbmeb-393	209	5	&	&	CCONJ
ajbmeb-393	209	6	distribution	distribution	NOUN
ajbmeb-393	209	7	management	management	NOUN
ajbmeb-393	209	8	.	.	PUNCT
ajbmeb-393	210	1	29	29	NUM
ajbmeb-393	210	2	.	.	X
ajbmeb-393	210	3	lehyeh	lehyeh	PROPN
ajbmeb-393	210	4	,	,	PUNCT
ajbmeb-393	210	5	s.	s.	PROPN
ajbmeb-393	210	6	m.	m.	PROPN
ajbmeb-393	210	7	a.	a.	PROPN
ajbmeb-393	210	8	,	,	PUNCT
ajbmeb-393	210	9	alharafsheh	alharafsheh	ADJ
ajbmeb-393	210	10	,	,	PUNCT
ajbmeb-393	210	11	m.	m.	NOUN
ajbmeb-393	210	12	,	,	PUNCT
ajbmeb-393	210	13	&	&	CCONJ
ajbmeb-393	210	14	abushareah	abushareah	PROPN
ajbmeb-393	210	15	,	,	PUNCT
ajbmeb-393	210	16	m.	m.	NOUN
ajbmeb-393	210	17	(	(	PUNCT
ajbmeb-393	210	18	2020	2020	NUM
ajbmeb-393	210	19	)	)	PUNCT
ajbmeb-393	210	20	.	.	PUNCT
ajbmeb-393	211	1	understanding	understand	VERB
ajbmeb-393	211	2	the	the	DET
ajbmeb-393	211	3	impact	impact	NOUN
ajbmeb-393	211	4	of	of	ADP
ajbmeb-393	211	5	knowledge	knowledge	NOUN
ajbmeb-393	211	6	management	management	NOUN
ajbmeb-393	211	7	on	on	ADP
ajbmeb-393	211	8	marketing	marketing	NOUN
ajbmeb-393	211	9	injordan	injordan	PROPN
ajbmeb-393	211	10	:	:	PUNCT
ajbmeb-393	211	11	excellence	excellence	NOUN
ajbmeb-393	211	12	perspective	perspective	NOUN
ajbmeb-393	211	13	.	.	PUNCT
ajbmeb-393	212	1	palarch	palarch	NOUN
ajbmeb-393	212	2	’s	’s	PART
ajbmeb-393	212	3	journal	journal	PROPN
ajbmeb-393	212	4	of	of	ADP
ajbmeb-393	212	5	archaeology	archaeology	NOUN
ajbmeb-393	212	6	of	of	ADP
ajbmeb-393	212	7	egypt	egypt	PROPN
ajbmeb-393	212	8	/	/	SYM
ajbmeb-393	212	9	egyptology	egyptology	NOUN
ajbmeb-393	212	10	,	,	PUNCT
ajbmeb-393	212	11	17(7	17(7	NUM
ajbmeb-393	212	12	)	)	PUNCT
ajbmeb-393	212	13	,	,	PUNCT
ajbmeb-393	212	14	15423–15440	15423–15440	NUM
ajbmeb-393	212	15	.	.	NOUN
ajbmeb-393	212	16	30	30	NUM
ajbmeb-393	212	17	.	.	X
ajbmeb-393	213	1	miskan	miskan	PROPN
ajbmeb-393	213	2	,	,	PUNCT
ajbmeb-393	213	3	n.	n.	PROPN
ajbmeb-393	213	4	h.	h.	PROPN
ajbmeb-393	213	5	,	,	PUNCT
ajbmeb-393	213	6	hussin	hussin	PROPN
ajbmeb-393	213	7	,	,	PUNCT
ajbmeb-393	213	8	n.	n.	PROPN
ajbmeb-393	213	9	l.	l.	PROPN
ajbmeb-393	213	10	,	,	PUNCT
ajbmeb-393	213	11	muhamad	muhamad	PROPN
ajbmeb-393	213	12	,	,	PUNCT
ajbmeb-393	213	13	n.	n.	PROPN
ajbmeb-393	213	14	,	,	PUNCT
ajbmeb-393	213	15	mohd	mohd	PROPN
ajbmeb-393	213	16	esa	esa	PROPN
ajbmeb-393	213	17	,	,	PUNCT
ajbmeb-393	213	18	m.	m.	NOUN
ajbmeb-393	213	19	,	,	PUNCT
ajbmeb-393	213	20	&	&	CCONJ
ajbmeb-393	213	21	mohd	mohd	PROPN
ajbmeb-393	213	22	aziz	aziz	PROPN
ajbmeb-393	213	23	,	,	PUNCT
ajbmeb-393	213	24	n.	n.	PROPN
ajbmeb-393	213	25	e.	e.	PROPN
ajbmeb-393	213	26	(	(	PUNCT
ajbmeb-393	213	27	2021	2021	NUM
ajbmeb-393	213	28	)	)	PUNCT
ajbmeb-393	213	29	.	.	PUNCT
ajbmeb-393	214	1	the	the	DET
ajbmeb-393	214	2	financial	financial	ADJ
ajbmeb-393	214	3	technology	technology	NOUN
ajbmeb-393	214	4	(	(	PUNCT
ajbmeb-393	214	5	m	m	NOUN
ajbmeb-393	214	6	-	-	ADJ
ajbmeb-393	214	7	banking	banking	ADJ
ajbmeb-393	214	8	)	)	PUNCT
ajbmeb-393	214	9	adoption	adoption	NOUN
ajbmeb-393	214	10	among	among	ADP
ajbmeb-393	214	11	baby	baby	NOUN
ajbmeb-393	214	12	-	-	PUNCT
ajbmeb-393	214	13	boomers	boomer	NOUN
ajbmeb-393	214	14	in	in	ADP
ajbmeb-393	214	15	twenty	twenty	NUM
ajbmeb-393	214	16	-	-	PUNCT
ajbmeb-393	214	17	first	first	ADJ
ajbmeb-393	214	18	century	century	NOUN
ajbmeb-393	214	19	.	.	PUNCT
ajbmeb-393	215	1	international	international	ADJ
ajbmeb-393	215	2	journal	journal	PROPN
ajbmeb-393	215	3	of	of	ADP
ajbmeb-393	215	4	academic	academic	ADJ
ajbmeb-393	215	5	research	research	NOUN
ajbmeb-393	215	6	in	in	ADP
ajbmeb-393	215	7	business	business	NOUN
ajbmeb-393	215	8	and	and	CCONJ
ajbmeb-393	215	9	social	social	ADJ
ajbmeb-393	215	10	sciences	science	NOUN
ajbmeb-393	215	11	,	,	PUNCT
ajbmeb-393	215	12	11(8	11(8	NUM
ajbmeb-393	215	13	)	)	PUNCT
ajbmeb-393	215	14	.	.	PUNCT
ajbmeb-393	216	1	31	31	NUM
ajbmeb-393	216	2	.	.	PUNCT
ajbmeb-393	217	1	olusolade	olusolade	NOUN
ajbmeb-393	217	2	aribake	aribake	PROPN
ajbmeb-393	217	3	,	,	PUNCT
ajbmeb-393	217	4	f.	f.	PROPN
ajbmeb-393	217	5	,	,	PUNCT
ajbmeb-393	217	6	&	&	CCONJ
ajbmeb-393	217	7	mat	mat	PROPN
ajbmeb-393	217	8	aji	aji	PROPN
ajbmeb-393	217	9	,	,	PUNCT
ajbmeb-393	217	10	z.	z.	PROPN
ajbmeb-393	217	11	(	(	PUNCT
ajbmeb-393	217	12	2020	2020	NUM
ajbmeb-393	217	13	)	)	PUNCT
ajbmeb-393	217	14	.	.	PUNCT
ajbmeb-393	218	1	modelling	model	VERB
ajbmeb-393	218	2	the	the	DET
ajbmeb-393	218	3	phishing	phishe	VERB
ajbmeb-393	218	4	avoidance	avoidance	NOUN
ajbmeb-393	218	5	behaviour	behaviour	NOUN
ajbmeb-393	218	6	among	among	ADP
ajbmeb-393	218	7	internet	internet	NOUN
ajbmeb-393	218	8	banking	banking	NOUN
ajbmeb-393	218	9	users	user	NOUN
ajbmeb-393	218	10	in	in	ADP
ajbmeb-393	218	11	nigeria	nigeria	PROPN
ajbmeb-393	218	12	:	:	PUNCT
ajbmeb-393	218	13	the	the	DET
ajbmeb-393	218	14	initial	initial	ADJ
ajbmeb-393	218	15	investigation	investigation	NOUN
ajbmeb-393	218	16	.	.	PUNCT
ajbmeb-393	219	1	journal	journal	NOUN
ajbmeb-393	219	2	of	of	ADP
ajbmeb-393	219	3	computer	computer	NOUN
ajbmeb-393	219	4	engineering	engineering	NOUN
ajbmeb-393	219	5	and	and	CCONJ
ajbmeb-393	219	6	technology	technology	NOUN
ajbmeb-393	219	7	,	,	PUNCT
ajbmeb-393	219	8	4(1	4(1	NOUN
ajbmeb-393	219	9	)	)	PUNCT
ajbmeb-393	219	10	,	,	PUNCT
ajbmeb-393	219	11	1–17	1–17	PROPN
ajbmeb-393	219	12	.	.	PUNCT
ajbmeb-393	220	1	32	32	NUM
ajbmeb-393	220	2	.	.	PUNCT
ajbmeb-393	221	1	rabaa’i	rabaa’i	PROPN
ajbmeb-393	221	2	,	,	PUNCT
ajbmeb-393	221	3	a.	a.	NOUN
ajbmeb-393	221	4	a.	a.	NOUN
ajbmeb-393	221	5	(	(	PUNCT
ajbmeb-393	221	6	2021	2021	NUM
ajbmeb-393	221	7	)	)	PUNCT
ajbmeb-393	221	8	.	.	PUNCT
ajbmeb-393	222	1	fintech	fintech	NOUN
ajbmeb-393	222	2	in	in	ADP
ajbmeb-393	222	3	kuwait	kuwait	PROPN
ajbmeb-393	222	4	:	:	PUNCT
ajbmeb-393	222	5	a	a	DET
ajbmeb-393	222	6	survey	survey	NOUN
ajbmeb-393	222	7	study	study	NOUN
ajbmeb-393	222	8	.	.	PUNCT
ajbmeb-393	223	1	international	international	ADJ
ajbmeb-393	223	2	journal	journal	PROPN
ajbmeb-393	223	3	of	of	ADP
ajbmeb-393	223	4	business	business	NOUN
ajbmeb-393	223	5	information	information	NOUN
ajbmeb-393	223	6	systems	system	NOUN
ajbmeb-393	223	7	.	.	PUNCT
ajbmeb-393	224	1	33	33	NUM
ajbmeb-393	224	2	.	.	PUNCT
ajbmeb-393	224	3	rahi	rahi	PROPN
ajbmeb-393	224	4	,	,	PUNCT
ajbmeb-393	224	5	s.	s.	PROPN
ajbmeb-393	224	6	,	,	PUNCT
ajbmeb-393	224	7	alghizzawi	alghizzawi	PROPN
ajbmeb-393	224	8	,	,	PUNCT
ajbmeb-393	224	9	m.	m.	NOUN
ajbmeb-393	224	10	,	,	PUNCT
ajbmeb-393	224	11	ahmad	ahmad	PROPN
ajbmeb-393	224	12	,	,	PUNCT
ajbmeb-393	224	13	s.	s.	PROPN
ajbmeb-393	224	14	,	,	PUNCT
ajbmeb-393	224	15	munawar	munawar	PROPN
ajbmeb-393	224	16	khan	khan	PROPN
ajbmeb-393	224	17	,	,	PUNCT
ajbmeb-393	224	18	m.	m.	NOUN
ajbmeb-393	224	19	,	,	PUNCT
ajbmeb-393	224	20	&	&	CCONJ
ajbmeb-393	224	21	ngah	ngah	PROPN
ajbmeb-393	224	22	,	,	PUNCT
ajbmeb-393	224	23	a.	a.	PROPN
ajbmeb-393	224	24	h.	h.	PROPN
ajbmeb-393	224	25	(	(	PUNCT
ajbmeb-393	224	26	2021	2021	NUM
ajbmeb-393	224	27	)	)	PUNCT
ajbmeb-393	224	28	.	.	PUNCT
ajbmeb-393	225	1	does	do	AUX
ajbmeb-393	225	2	employee	employee	NOUN
ajbmeb-393	225	3	american	american	PROPN
ajbmeb-393	225	4	journal	journal	PROPN
ajbmeb-393	225	5	of	of	ADP
ajbmeb-393	225	6	business	business	NOUN
ajbmeb-393	225	7	management	management	NOUN
ajbmeb-393	225	8	,	,	PUNCT
ajbmeb-393	225	9	economics	economic	NOUN
ajbmeb-393	225	10	and	and	CCONJ
ajbmeb-393	225	11	banking	banking	NOUN
ajbmeb-393	225	12	volume	volume	NOUN
ajbmeb-393	225	13	9	9	NUM
ajbmeb-393	225	14	feb	feb	X
ajbmeb-393	225	15	.	.	PROPN
ajbmeb-393	225	16	,	,	PUNCT
ajbmeb-393	225	17	2023	2023	NUM
ajbmeb-393	225	18	p	p	NOUN
ajbmeb-393	225	19	a	a	DET
ajbmeb-393	225	20	g	g	NOUN
ajbmeb-393	225	21	e	e	NOUN
ajbmeb-393	225	22	|	|	ADV
ajbmeb-393	225	23	20	20	NUM
ajbmeb-393	225	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-393	225	25	readiness	readiness	NOUN
ajbmeb-393	225	26	to	to	PART
ajbmeb-393	225	27	change	change	VERB
ajbmeb-393	225	28	impact	impact	NOUN
ajbmeb-393	225	29	organization	organization	NOUN
ajbmeb-393	225	30	change	change	NOUN
ajbmeb-393	225	31	implementation	implementation	NOUN
ajbmeb-393	225	32	?	?	PUNCT
ajbmeb-393	226	1	empirical	empirical	ADJ
ajbmeb-393	226	2	evidence	evidence	NOUN
ajbmeb-393	226	3	from	from	ADP
ajbmeb-393	226	4	emerging	emerge	VERB
ajbmeb-393	226	5	economy	economy	NOUN
ajbmeb-393	226	6	.	.	PUNCT
ajbmeb-393	227	1	international	international	ADJ
ajbmeb-393	227	2	journal	journal	PROPN
ajbmeb-393	227	3	of	of	ADP
ajbmeb-393	227	4	ethics	ethic	NOUN
ajbmeb-393	227	5	and	and	CCONJ
ajbmeb-393	227	6	systems	system	NOUN
ajbmeb-393	227	7	,	,	PUNCT
ajbmeb-393	227	8	ahead	ahead	ADV
ajbmeb-393	227	9	-	-	PUNCT
ajbmeb-393	227	10	of	of	ADP
ajbmeb-393	227	11	-	-	PUNCT
ajbmeb-393	227	12	p(ahead	p(ahead	NOUN
ajbmeb-393	227	13	-	-	PUNCT
ajbmeb-393	227	14	of	of	ADP
ajbmeb-393	227	15	-	-	PUNCT
ajbmeb-393	227	16	print	print	NOUN
ajbmeb-393	227	17	)	)	PUNCT
ajbmeb-393	227	18	.	.	PUNCT
ajbmeb-393	228	1	https://doi.org/10.1108/ijoes-06-2021-0137	https://doi.org/10.1108/ijoes-06-2021-0137	PROPN
ajbmeb-393	228	2	34	34	NUM
ajbmeb-393	228	3	.	.	PUNCT
ajbmeb-393	229	1	rahi	rahi	PROPN
ajbmeb-393	229	2	,	,	PUNCT
ajbmeb-393	229	3	s.	s.	PROPN
ajbmeb-393	229	4	,	,	PUNCT
ajbmeb-393	229	5	alghizzawi	alghizzawi	PROPN
ajbmeb-393	229	6	,	,	PUNCT
ajbmeb-393	229	7	m.	m.	NOUN
ajbmeb-393	229	8	,	,	PUNCT
ajbmeb-393	229	9	ishtiaq	ishtiaq	NOUN
ajbmeb-393	229	10	,	,	PUNCT
ajbmeb-393	229	11	m.	m.	NOUN
ajbmeb-393	229	12	,	,	PUNCT
ajbmeb-393	229	13	ngah	ngah	PROPN
ajbmeb-393	229	14	,	,	PUNCT
ajbmeb-393	229	15	a.	a.	PROPN
ajbmeb-393	229	16	h.	h.	PROPN
ajbmeb-393	229	17	,	,	PUNCT
ajbmeb-393	229	18	&	&	CCONJ
ajbmeb-393	229	19	mehta	mehta	PROPN
ajbmeb-393	229	20	,	,	PUNCT
ajbmeb-393	229	21	a.	a.	NOUN
ajbmeb-393	229	22	m.	m.	NOUN
ajbmeb-393	229	23	(	(	PUNCT
ajbmeb-393	229	24	n.d	n.d	PROPN
ajbmeb-393	229	25	.	.	PROPN
ajbmeb-393	229	26	)	)	PUNCT
ajbmeb-393	229	27	.	.	PUNCT
ajbmeb-393	230	1	examining	examine	VERB
ajbmeb-393	230	2	consumer	consumer	NOUN
ajbmeb-393	230	3	behaviour	behaviour	NOUN
ajbmeb-393	230	4	towards	towards	ADP
ajbmeb-393	230	5	continuance	continuance	NOUN
ajbmeb-393	230	6	use	use	NOUN
ajbmeb-393	230	7	of	of	ADP
ajbmeb-393	230	8	mobile	mobile	ADJ
ajbmeb-393	230	9	shopping	shopping	NOUN
ajbmeb-393	230	10	apps	app	NOUN
ajbmeb-393	230	11	with	with	ADP
ajbmeb-393	230	12	the	the	DET
ajbmeb-393	230	13	integration	integration	NOUN
ajbmeb-393	230	14	of	of	ADP
ajbmeb-393	230	15	expectation	expectation	NOUN
ajbmeb-393	230	16	confirmation	confirmation	NOUN
ajbmeb-393	230	17	theory	theory	NOUN
ajbmeb-393	230	18	and	and	CCONJ
ajbmeb-393	230	19	flow	flow	NOUN
ajbmeb-393	230	20	theory	theory	NOUN
ajbmeb-393	230	21	.	.	PUNCT
ajbmeb-393	231	1	35	35	NUM
ajbmeb-393	231	2	.	.	PUNCT
ajbmeb-393	231	3	rahi	rahi	PROPN
ajbmeb-393	231	4	,	,	PUNCT
ajbmeb-393	231	5	s.	s.	PROPN
ajbmeb-393	231	6	,	,	PUNCT
ajbmeb-393	231	7	khan	khan	PROPN
ajbmeb-393	231	8	,	,	PUNCT
ajbmeb-393	231	9	m.	m.	NOUN
ajbmeb-393	231	10	m.	m.	NOUN
ajbmeb-393	231	11	,	,	PUNCT
ajbmeb-393	231	12	&	&	CCONJ
ajbmeb-393	231	13	alghizzawi	alghizzawi	PROPN
ajbmeb-393	231	14	,	,	PUNCT
ajbmeb-393	231	15	m.	m.	NOUN
ajbmeb-393	231	16	(	(	PUNCT
ajbmeb-393	231	17	2020	2020	NUM
ajbmeb-393	231	18	)	)	PUNCT
ajbmeb-393	231	19	.	.	PUNCT
ajbmeb-393	232	1	extension	extension	NOUN
ajbmeb-393	232	2	of	of	ADP
ajbmeb-393	232	3	technology	technology	NOUN
ajbmeb-393	232	4	continuance	continuance	NOUN
ajbmeb-393	232	5	theory	theory	NOUN
ajbmeb-393	232	6	(	(	PUNCT
ajbmeb-393	232	7	tct	tct	PROPN
ajbmeb-393	232	8	)	)	PUNCT
ajbmeb-393	232	9	with	with	ADP
ajbmeb-393	232	10	task	task	NOUN
ajbmeb-393	232	11	technology	technology	NOUN
ajbmeb-393	232	12	fit	fit	ADJ
ajbmeb-393	232	13	(	(	PUNCT
ajbmeb-393	232	14	ttf	ttf	NOUN
ajbmeb-393	232	15	)	)	PUNCT
ajbmeb-393	232	16	in	in	ADP
ajbmeb-393	232	17	the	the	DET
ajbmeb-393	232	18	context	context	NOUN
ajbmeb-393	232	19	of	of	ADP
ajbmeb-393	232	20	internet	internet	NOUN
ajbmeb-393	232	21	banking	banking	NOUN
ajbmeb-393	232	22	user	user	NOUN
ajbmeb-393	232	23	continuance	continuance	NOUN
ajbmeb-393	232	24	intention	intention	NOUN
ajbmeb-393	232	25	.	.	PUNCT
ajbmeb-393	233	1	international	international	ADJ
ajbmeb-393	233	2	journal	journal	PROPN
ajbmeb-393	233	3	of	of	ADP
ajbmeb-393	233	4	quality	quality	NOUN
ajbmeb-393	233	5	&	&	CCONJ
ajbmeb-393	233	6	reliability	reliability	NOUN
ajbmeb-393	233	7	management	management	NOUN
ajbmeb-393	233	8	.	.	PUNCT
ajbmeb-393	234	1	36	36	NUM
ajbmeb-393	234	2	.	.	PUNCT
ajbmeb-393	234	3	rahi	rahi	PROPN
ajbmeb-393	234	4	,	,	PUNCT
ajbmeb-393	234	5	s.	s.	PROPN
ajbmeb-393	234	6	,	,	PUNCT
ajbmeb-393	234	7	mansour	mansour	PROPN
ajbmeb-393	234	8	,	,	PUNCT
ajbmeb-393	234	9	m.	m.	NOUN
ajbmeb-393	234	10	m.	m.	PROPN
ajbmeb-393	234	11	o.	o.	PROPN
ajbmeb-393	234	12	,	,	PUNCT
ajbmeb-393	234	13	alghizzawi	alghizzawi	PROPN
ajbmeb-393	234	14	,	,	PUNCT
ajbmeb-393	234	15	m.	m.	NOUN
ajbmeb-393	234	16	,	,	PUNCT
ajbmeb-393	234	17	&	&	CCONJ
ajbmeb-393	234	18	alnaser	alnaser	PROPN
ajbmeb-393	234	19	,	,	PUNCT
ajbmeb-393	234	20	f.	f.	PROPN
ajbmeb-393	234	21	m.	m.	PROPN
ajbmeb-393	234	22	(	(	PUNCT
ajbmeb-393	234	23	2019	2019	NUM
ajbmeb-393	234	24	)	)	PUNCT
ajbmeb-393	234	25	.	.	PUNCT
ajbmeb-393	235	1	integration	integration	NOUN
ajbmeb-393	235	2	of	of	ADP
ajbmeb-393	235	3	utaut	utaut	PROPN
ajbmeb-393	235	4	model	model	NOUN
ajbmeb-393	235	5	in	in	ADP
ajbmeb-393	235	6	internet	internet	NOUN
ajbmeb-393	235	7	banking	banking	NOUN
ajbmeb-393	235	8	adoption	adoption	NOUN
ajbmeb-393	235	9	context	context	NOUN
ajbmeb-393	235	10	.	.	PUNCT
ajbmeb-393	236	1	journal	journal	PROPN
ajbmeb-393	236	2	of	of	ADP
ajbmeb-393	236	3	research	research	NOUN
ajbmeb-393	236	4	in	in	ADP
ajbmeb-393	236	5	interactive	interactive	ADJ
ajbmeb-393	236	6	marketing	marketing	NOUN
ajbmeb-393	236	7	.	.	PUNCT
ajbmeb-393	237	1	37	37	NUM
ajbmeb-393	237	2	.	.	PUNCT
ajbmeb-393	237	3	saghier	saghier	NOUN
ajbmeb-393	237	4	,	,	PUNCT
ajbmeb-393	237	5	n.	n.	PROPN
ajbmeb-393	237	6	el	el	PROPN
ajbmeb-393	237	7	,	,	PUNCT
ajbmeb-393	237	8	&	&	CCONJ
ajbmeb-393	237	9	nathan	nathan	PROPN
ajbmeb-393	237	10	,	,	PUNCT
ajbmeb-393	237	11	d.	d.	PROPN
ajbmeb-393	237	12	(	(	PUNCT
ajbmeb-393	237	13	2013	2013	NUM
ajbmeb-393	237	14	)	)	PUNCT
ajbmeb-393	237	15	.	.	PUNCT
ajbmeb-393	238	1	service	service	NOUN
ajbmeb-393	238	2	quality	quality	NOUN
ajbmeb-393	238	3	dimensions	dimension	NOUN
ajbmeb-393	238	4	and	and	CCONJ
ajbmeb-393	238	5	customers	customer	NOUN
ajbmeb-393	238	6	’	'	PUNCT
ajbmeb-393	238	7	satisfactions	satisfaction	NOUN
ajbmeb-393	238	8	of	of	ADP
ajbmeb-393	238	9	banks	bank	NOUN
ajbmeb-393	238	10	in	in	ADP
ajbmeb-393	238	11	egypt	egypt	PROPN
ajbmeb-393	238	12	.	.	PUNCT
ajbmeb-393	239	1	proceedings	proceeding	NOUN
ajbmeb-393	239	2	of	of	ADP
ajbmeb-393	239	3	20th	20th	ADJ
ajbmeb-393	239	4	international	international	ADJ
ajbmeb-393	239	5	business	business	NOUN
ajbmeb-393	239	6	research	research	NOUN
ajbmeb-393	239	7	conference	conference	NOUN
ajbmeb-393	239	8	.	.	PUNCT
ajbmeb-393	240	1	38	38	NUM
ajbmeb-393	240	2	.	.	PUNCT
ajbmeb-393	240	3	salloum	salloum	NOUN
ajbmeb-393	240	4	,	,	PUNCT
ajbmeb-393	240	5	s.	s.	PROPN
ajbmeb-393	240	6	a.	a.	PROPN
ajbmeb-393	240	7	,	,	PUNCT
ajbmeb-393	240	8	al	al	PROPN
ajbmeb-393	240	9	-	-	PUNCT
ajbmeb-393	240	10	emran	emran	ADJ
ajbmeb-393	240	11	,	,	PUNCT
ajbmeb-393	240	12	m.	m.	NOUN
ajbmeb-393	240	13	,	,	PUNCT
ajbmeb-393	240	14	khalaf	khalaf	PROPN
ajbmeb-393	240	15	,	,	PUNCT
ajbmeb-393	240	16	r.	r.	PROPN
ajbmeb-393	240	17	,	,	PUNCT
ajbmeb-393	240	18	habes	habe	NOUN
ajbmeb-393	240	19	,	,	PUNCT
ajbmeb-393	240	20	m.	m.	NOUN
ajbmeb-393	240	21	,	,	PUNCT
ajbmeb-393	240	22	&	&	CCONJ
ajbmeb-393	240	23	shaalan	shaalan	PROPN
ajbmeb-393	240	24	,	,	PUNCT
ajbmeb-393	240	25	k.	k.	PROPN
ajbmeb-393	240	26	(	(	PUNCT
ajbmeb-393	240	27	2019	2019	NUM
ajbmeb-393	240	28	)	)	PUNCT
ajbmeb-393	240	29	.	.	PUNCT
ajbmeb-393	241	1	an	an	DET
ajbmeb-393	241	2	innovative	innovative	ADJ
ajbmeb-393	241	3	study	study	NOUN
ajbmeb-393	241	4	of	of	ADP
ajbmeb-393	241	5	e	e	NOUN
ajbmeb-393	241	6	-	-	NOUN
ajbmeb-393	241	7	payment	payment	NOUN
ajbmeb-393	241	8	systems	system	NOUN
ajbmeb-393	241	9	adoption	adoption	NOUN
ajbmeb-393	241	10	in	in	ADP
ajbmeb-393	241	11	higher	high	ADJ
ajbmeb-393	241	12	education	education	NOUN
ajbmeb-393	241	13	:	:	PUNCT
ajbmeb-393	241	14	theoretical	theoretical	ADJ
ajbmeb-393	241	15	constructs	construct	NOUN
ajbmeb-393	241	16	and	and	CCONJ
ajbmeb-393	241	17	empirical	empirical	ADJ
ajbmeb-393	241	18	analysis	analysis	NOUN
ajbmeb-393	241	19	.	.	PUNCT
ajbmeb-393	242	1	international	international	ADJ
ajbmeb-393	242	2	journal	journal	NOUN
ajbmeb-393	242	3	of	of	ADP
ajbmeb-393	242	4	interactive	interactive	ADJ
ajbmeb-393	242	5	mobile	mobile	ADJ
ajbmeb-393	242	6	technologies	technology	NOUN
ajbmeb-393	242	7	,	,	PUNCT
ajbmeb-393	242	8	13(6	13(6	PROPN
ajbmeb-393	242	9	)	)	PUNCT
ajbmeb-393	242	10	.	.	PUNCT
ajbmeb-393	243	1	39	39	NUM
ajbmeb-393	243	2	.	.	PUNCT
ajbmeb-393	244	1	samar	samar	PROPN
ajbmeb-393	244	2	,	,	PUNCT
ajbmeb-393	244	3	r.	r.	PROPN
ajbmeb-393	244	4	,	,	PUNCT
ajbmeb-393	244	5	mustafa	mustafa	PROPN
ajbmeb-393	244	6	,	,	PUNCT
ajbmeb-393	244	7	o.	o.	PROPN
ajbmeb-393	244	8	m.	m.	NOUN
ajbmeb-393	244	9	m.	m.	PROPN
ajbmeb-393	244	10	,	,	PUNCT
ajbmeb-393	244	11	malek	malek	PROPN
ajbmeb-393	244	12	,	,	PUNCT
ajbmeb-393	244	13	a.	a.	PROPN
ajbmeb-393	244	14	,	,	PUNCT
ajbmeb-393	244	15	&	&	CCONJ
ajbmeb-393	244	16	mahmoud	mahmoud	PROPN
ajbmeb-393	244	17	,	,	PUNCT
ajbmeb-393	244	18	a.	a.	NOUN
ajbmeb-393	244	19	(	(	PUNCT
ajbmeb-393	244	20	2021	2021	NUM
ajbmeb-393	244	21	)	)	PUNCT
ajbmeb-393	244	22	.	.	PUNCT
ajbmeb-393	245	1	the	the	DET
ajbmeb-393	245	2	post	post	ADJ
ajbmeb-393	245	3	-	-	ADJ
ajbmeb-393	245	4	adoption	adoption	ADJ
ajbmeb-393	245	5	behavior	behavior	NOUN
ajbmeb-393	245	6	of	of	ADP
ajbmeb-393	245	7	internet	internet	NOUN
ajbmeb-393	245	8	banking	banking	NOUN
ajbmeb-393	245	9	users	user	NOUN
ajbmeb-393	245	10	through	through	ADP
ajbmeb-393	245	11	the	the	DET
ajbmeb-393	245	12	eyes	eye	NOUN
ajbmeb-393	245	13	of	of	ADP
ajbmeb-393	245	14	self	self	NOUN
ajbmeb-393	245	15	-	-	PUNCT
ajbmeb-393	245	16	determination	determination	NOUN
ajbmeb-393	245	17	theory	theory	NOUN
ajbmeb-393	245	18	and	and	CCONJ
ajbmeb-393	245	19	expectation	expectation	NOUN
ajbmeb-393	245	20	confirmation	confirmation	NOUN
ajbmeb-393	245	21	model	model	NOUN
ajbmeb-393	245	22	.	.	PUNCT
ajbmeb-393	246	1	in	in	ADP
ajbmeb-393	246	2	journal	journal	NOUN
ajbmeb-393	246	3	of	of	ADP
ajbmeb-393	246	4	enterprise	enterprise	NOUN
ajbmeb-393	246	5	information	information	NOUN
ajbmeb-393	246	6	management	management	NOUN
ajbmeb-393	246	7	:	:	PUNCT
ajbmeb-393	246	8	vol	vol	NOUN
ajbmeb-393	246	9	.	.	PUNCT
ajbmeb-393	246	10	ahead	ahead	ADV
ajbmeb-393	246	11	-	-	PUNCT
ajbmeb-393	246	12	of	of	ADP
ajbmeb-393	246	13	-	-	PUNCT
ajbmeb-393	246	14	p	p	NOUN
ajbmeb-393	246	15	(	(	PUNCT
ajbmeb-393	246	16	issue	issue	VERB
ajbmeb-393	246	17	ahead	ahead	ADV
ajbmeb-393	246	18	-	-	PUNCT
ajbmeb-393	246	19	of	of	ADP
ajbmeb-393	246	20	-	-	PUNCT
ajbmeb-393	246	21	print	print	NOUN
ajbmeb-393	246	22	)	)	PUNCT
ajbmeb-393	246	23	.	.	PUNCT
ajbmeb-393	247	1	https://doi.org/10.1108/jeim-04-2020-0156	https://doi.org/10.1108/jeim-04-2020-0156	PROPN
ajbmeb-393	247	2	40	40	NUM
ajbmeb-393	247	3	.	.	PUNCT
ajbmeb-393	248	1	suryono	suryono	PROPN
ajbmeb-393	248	2	,	,	PUNCT
ajbmeb-393	248	3	r.	r.	PROPN
ajbmeb-393	248	4	r.	r.	PROPN
ajbmeb-393	248	5	,	,	PUNCT
ajbmeb-393	248	6	budi	budi	PROPN
ajbmeb-393	248	7	,	,	PUNCT
ajbmeb-393	248	8	i.	i.	PROPN
ajbmeb-393	248	9	,	,	PUNCT
ajbmeb-393	248	10	&	&	CCONJ
ajbmeb-393	248	11	purwandari	purwandari	PROPN
ajbmeb-393	248	12	,	,	PUNCT
ajbmeb-393	248	13	b.	b.	PROPN
ajbmeb-393	248	14	(	(	PUNCT
ajbmeb-393	248	15	2020	2020	NUM
ajbmeb-393	248	16	)	)	PUNCT
ajbmeb-393	248	17	.	.	PUNCT
ajbmeb-393	249	1	challenges	challenge	NOUN
ajbmeb-393	249	2	and	and	CCONJ
ajbmeb-393	249	3	trends	trend	NOUN
ajbmeb-393	249	4	of	of	ADP
ajbmeb-393	249	5	financial	financial	ADJ
ajbmeb-393	249	6	technology	technology	NOUN
ajbmeb-393	249	7	(	(	PUNCT
ajbmeb-393	249	8	fintech	fintech	NOUN
ajbmeb-393	249	9	):	):	PUNCT
ajbmeb-393	249	10	a	a	DET
ajbmeb-393	249	11	systematic	systematic	ADJ
ajbmeb-393	249	12	literature	literature	NOUN
ajbmeb-393	249	13	review	review	NOUN
ajbmeb-393	249	14	.	.	PUNCT
ajbmeb-393	250	1	information	information	NOUN
ajbmeb-393	250	2	,	,	PUNCT
ajbmeb-393	250	3	11(12	11(12	NUM
ajbmeb-393	250	4	)	)	PUNCT
ajbmeb-393	250	5	,	,	PUNCT
ajbmeb-393	250	6	590	590	NUM
ajbmeb-393	250	7	.	.	PUNCT
ajbmeb-393	250	8	41	41	NUM
ajbmeb-393	250	9	.	.	PUNCT
ajbmeb-393	251	1	tsai	tsai	PROPN
ajbmeb-393	251	2	,	,	PUNCT
ajbmeb-393	251	3	w.-h	w.-h	PROPN
ajbmeb-393	251	4	.	.	PUNCT
ajbmeb-393	251	5	,	,	PUNCT
ajbmeb-393	251	6	wu	wu	PROPN
ajbmeb-393	251	7	,	,	PUNCT
ajbmeb-393	251	8	y.-s	y.-	NOUN
ajbmeb-393	251	9	.	.	PUNCT
ajbmeb-393	251	10	,	,	PUNCT
ajbmeb-393	251	11	cheng	cheng	PROPN
ajbmeb-393	251	12	,	,	PUNCT
ajbmeb-393	251	13	c.-s	c.-s	PROPN
ajbmeb-393	251	14	.	.	PROPN
ajbmeb-393	251	15	,	,	PUNCT
ajbmeb-393	251	16	kuo	kuo	PROPN
ajbmeb-393	251	17	,	,	PUNCT
ajbmeb-393	251	18	m.-h	m.-h	PROPN
ajbmeb-393	251	19	.	.	PROPN
ajbmeb-393	251	20	,	,	PUNCT
ajbmeb-393	251	21	chang	chang	PROPN
ajbmeb-393	251	22	,	,	PUNCT
ajbmeb-393	251	23	y.-t	y.-t	PROPN
ajbmeb-393	251	24	.	.	PUNCT
ajbmeb-393	251	25	,	,	PUNCT
ajbmeb-393	251	26	hu	hu	PROPN
ajbmeb-393	251	27	,	,	PUNCT
ajbmeb-393	251	28	f.-k	f.-k	PROPN
ajbmeb-393	251	29	.	.	PUNCT
ajbmeb-393	251	30	,	,	PUNCT
ajbmeb-393	251	31	sun	sun	NOUN
ajbmeb-393	251	32	,	,	PUNCT
ajbmeb-393	251	33	c.-a	c.-a	PROPN
ajbmeb-393	251	34	.	.	PROPN
ajbmeb-393	251	35	,	,	PUNCT
ajbmeb-393	251	36	chang	chang	PROPN
ajbmeb-393	251	37	,	,	PUNCT
ajbmeb-393	251	38	c.-w	c.-w	PROPN
ajbmeb-393	251	39	.	.	PROPN
ajbmeb-393	251	40	,	,	PUNCT
ajbmeb-393	251	41	chan	chan	PROPN
ajbmeb-393	251	42	,	,	PUNCT
ajbmeb-393	251	43	t.-c	t.-c	PROPN
ajbmeb-393	251	44	.	.	PROPN
ajbmeb-393	251	45	,	,	PUNCT
ajbmeb-393	251	46	&	&	CCONJ
ajbmeb-393	251	47	chen	chen	PROPN
ajbmeb-393	251	48	,	,	PUNCT
ajbmeb-393	251	49	c.-w	c.-w	PROPN
ajbmeb-393	251	50	.	.	PUNCT
ajbmeb-393	252	1	(	(	PUNCT
ajbmeb-393	252	2	2021	2021	NUM
ajbmeb-393	252	3	)	)	PUNCT
ajbmeb-393	252	4	.	.	PUNCT
ajbmeb-393	253	1	a	a	DET
ajbmeb-393	253	2	technology	technology	NOUN
ajbmeb-393	253	3	acceptance	acceptance	NOUN
ajbmeb-393	253	4	model	model	NOUN
ajbmeb-393	253	5	for	for	ADP
ajbmeb-393	253	6	deploying	deploy	VERB
ajbmeb-393	253	7	masks	mask	NOUN
ajbmeb-393	253	8	to	to	PART
ajbmeb-393	253	9	combat	combat	VERB
ajbmeb-393	253	10	the	the	DET
ajbmeb-393	253	11	covid-19	covid-19	PROPN
ajbmeb-393	253	12	pandemic	pandemic	NOUN
ajbmeb-393	253	13	in	in	ADP
ajbmeb-393	253	14	taiwan	taiwan	PROPN
ajbmeb-393	253	15	(	(	PUNCT
ajbmeb-393	253	16	my	my	PRON
ajbmeb-393	253	17	health	health	NOUN
ajbmeb-393	253	18	bank	bank	NOUN
ajbmeb-393	253	19	):	):	PUNCT
ajbmeb-393	253	20	web	web	NOUN
ajbmeb-393	253	21	-	-	PUNCT
ajbmeb-393	253	22	based	base	VERB
ajbmeb-393	253	23	cross	cross	ADJ
ajbmeb-393	253	24	-	-	ADJ
ajbmeb-393	253	25	sectional	sectional	ADJ
ajbmeb-393	253	26	survey	survey	NOUN
ajbmeb-393	253	27	study	study	NOUN
ajbmeb-393	253	28	.	.	PUNCT
ajbmeb-393	254	1	journal	journal	PROPN
ajbmeb-393	254	2	of	of	ADP
ajbmeb-393	254	3	medical	medical	ADJ
ajbmeb-393	254	4	internet	internet	NOUN
ajbmeb-393	254	5	research	research	NOUN
ajbmeb-393	254	6	,	,	PUNCT
ajbmeb-393	254	7	23(4	23(4	NOUN
ajbmeb-393	254	8	)	)	PUNCT
ajbmeb-393	254	9	,	,	PUNCT
ajbmeb-393	254	10	e27069	e27069	PROPN
ajbmeb-393	254	11	.	.	PUNCT
ajbmeb-393	254	12	42	42	NUM
ajbmeb-393	254	13	.	.	PUNCT
ajbmeb-393	255	1	wang	wang	PROPN
ajbmeb-393	255	2	,	,	PUNCT
ajbmeb-393	255	3	s.	s.	PROPN
ajbmeb-393	255	4	,	,	PUNCT
ajbmeb-393	255	5	ibrahiem	ibrahiem	PROPN
ajbmeb-393	255	6	,	,	PUNCT
ajbmeb-393	255	7	m.	m.	PROPN
ajbmeb-393	255	8	h.	h.	PROPN
ajbmeb-393	255	9	,	,	PUNCT
ajbmeb-393	255	10	&	&	CCONJ
ajbmeb-393	255	11	li	li	PROPN
ajbmeb-393	255	12	,	,	PUNCT
ajbmeb-393	255	13	m.	m.	NOUN
ajbmeb-393	255	14	(	(	PUNCT
ajbmeb-393	255	15	2022	2022	NUM
ajbmeb-393	255	16	)	)	PUNCT
ajbmeb-393	255	17	.	.	PUNCT
ajbmeb-393	256	1	motivations	motivation	NOUN
ajbmeb-393	256	2	influencing	influence	VERB
ajbmeb-393	256	3	alipay	alipay	PROPN
ajbmeb-393	256	4	users	user	NOUN
ajbmeb-393	256	5	to	to	PART
ajbmeb-393	256	6	participate	participate	VERB
ajbmeb-393	256	7	in	in	ADP
ajbmeb-393	256	8	the	the	DET
ajbmeb-393	256	9	ant	ant	ADJ
ajbmeb-393	256	10	forest	forest	NOUN
ajbmeb-393	256	11	campaign	campaign	NOUN
ajbmeb-393	256	12	:	:	PUNCT
ajbmeb-393	256	13	an	an	DET
ajbmeb-393	256	14	empirical	empirical	ADJ
ajbmeb-393	256	15	study	study	NOUN
ajbmeb-393	256	16	.	.	PUNCT
ajbmeb-393	257	1	international	international	ADJ
ajbmeb-393	257	2	journal	journal	PROPN
ajbmeb-393	257	3	of	of	ADP
ajbmeb-393	257	4	environmental	environmental	ADJ
ajbmeb-393	257	5	research	research	NOUN
ajbmeb-393	257	6	and	and	CCONJ
ajbmeb-393	257	7	public	public	ADJ
ajbmeb-393	257	8	health	health	NOUN
ajbmeb-393	257	9	,	,	PUNCT
ajbmeb-393	257	10	19(24	19(24	PROPN
ajbmeb-393	257	11	)	)	PUNCT
ajbmeb-393	257	12	,	,	PUNCT
ajbmeb-393	257	13	17034	17034	NUM
ajbmeb-393	257	14	.	.	PUNCT