id	sid	tid	token	lemma	pos
ajbmeb-502	1	1	american	american	PROPN
ajbmeb-502	1	2	journal	journal	PROPN
ajbmeb-502	1	3	of	of	ADP
ajbmeb-502	1	4	business	business	NOUN
ajbmeb-502	1	5	management	management	NOUN
ajbmeb-502	1	6	,	,	PUNCT
ajbmeb-502	1	7	economics	economic	NOUN
ajbmeb-502	1	8	and	and	CCONJ
ajbmeb-502	1	9	banking	banking	NOUN
ajbmeb-502	1	10	issn	issn	PROPN
ajbmeb-502	1	11	(	(	PUNCT
ajbmeb-502	1	12	e	e	NOUN
ajbmeb-502	1	13	):	):	PUNCT
ajbmeb-502	1	14	2832	2832	NUM
ajbmeb-502	1	15	-	-	SYM
ajbmeb-502	1	16	8078	8078	NUM
ajbmeb-502	1	17	volume	volume	NOUN
ajbmeb-502	1	18	10	10	NUM
ajbmeb-502	1	19	,	,	PUNCT
ajbmeb-502	1	20	|	|	ADV
ajbmeb-502	1	21	march	march	NOUN
ajbmeb-502	1	22	,	,	PUNCT
ajbmeb-502	1	23	2023	2023	NUM
ajbmeb-502	1	24	p	p	NOUN
ajbmeb-502	1	25	a	a	DET
ajbmeb-502	1	26	g	g	NOUN
ajbmeb-502	1	27	e	e	PROPN
ajbmeb-502	1	28	|	|	ADV
ajbmeb-502	1	29	96	96	NUM
ajbmeb-502	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	1	31	electronic	electronic	ADJ
ajbmeb-502	1	32	service	service	NOUN
ajbmeb-502	1	33	delivery	delivery	NOUN
ajbmeb-502	1	34	and	and	CCONJ
ajbmeb-502	1	35	customer	customer	NOUN
ajbmeb-502	1	36	attitude	attitude	NOUN
ajbmeb-502	1	37	of	of	ADP
ajbmeb-502	1	38	deposit	deposit	NOUN
ajbmeb-502	1	39	money	money	NOUN
ajbmeb-502	1	40	banks	bank	NOUN
ajbmeb-502	1	41	in	in	ADP
ajbmeb-502	1	42	yenagoa	yenagoa	PROPN
ajbmeb-502	1	43	,	,	PUNCT
ajbmeb-502	1	44	bayelsa	bayelsa	NOUN
ajbmeb-502	1	45	state	state	NOUN
ajbmeb-502	1	46	ademe	ademe	NOUN
ajbmeb-502	1	47	-	-	PUNCT
ajbmeb-502	1	48	godwin	godwin	PROPN
ajbmeb-502	1	49	,	,	PUNCT
ajbmeb-502	1	50	doris	doris	PROPN
ajbmeb-502	1	51	associate	associate	PROPN
ajbmeb-502	1	52	professor	professor	NOUN
ajbmeb-502	1	53	of	of	ADP
ajbmeb-502	1	54	marketing	marketing	NOUN
ajbmeb-502	1	55	,	,	PUNCT
ajbmeb-502	1	56	university	university	NOUN
ajbmeb-502	1	57	of	of	ADP
ajbmeb-502	1	58	port	port	PROPN
ajbmeb-502	1	59	harcourt	harcourt	PROPN
ajbmeb-502	1	60	,	,	PUNCT
ajbmeb-502	1	61	nigeria	nigeria	PROPN
ajbmeb-502	1	62	e	e	NOUN
ajbmeb-502	1	63	-	-	NOUN
ajbmeb-502	1	64	mail	mail	NOUN
ajbmeb-502	1	65	for	for	ADP
ajbmeb-502	1	66	correspondence	correspondence	NOUN
ajbmeb-502	1	67	:	:	PUNCT
ajbmeb-502	2	1	ademedoris@gmail.com	ademedoris@gmail.com	X
ajbmeb-502	2	2	opuene	opuene	ADJ
ajbmeb-502	2	3	,	,	PUNCT
ajbmeb-502	2	4	james	james	PROPN
ajbmeb-502	2	5	endurance	endurance	PROPN
ajbmeb-502	2	6	1doctoral	1doctoral	NUM
ajbmeb-502	2	7	student	student	NOUN
ajbmeb-502	2	8	,	,	PUNCT
ajbmeb-502	2	9	department	department	NOUN
ajbmeb-502	2	10	of	of	ADP
ajbmeb-502	2	11	marketing	marketing	NOUN
ajbmeb-502	2	12	,	,	PUNCT
ajbmeb-502	2	13	university	university	NOUN
ajbmeb-502	2	14	of	of	ADP
ajbmeb-502	2	15	port	port	NOUN
ajbmeb-502	2	16	harcourt	harcourt	PROPN
ajbmeb-502	2	17	,	,	PUNCT
ajbmeb-502	2	18	nigeria	nigeria	PROPN
ajbmeb-502	2	19	jamesopus30@gmail.com	jamesopus30@gmail.com	PROPN
ajbmeb-502	3	1	a	a	DET
ajbmeb-502	3	2	b	b	PROPN
ajbmeb-502	3	3	s	s	ADP
ajbmeb-502	3	4	t	t	PROPN
ajbmeb-502	3	5	r	r	NOUN
ajbmeb-502	3	6	a	a	DET
ajbmeb-502	3	7	c	c	NOUN
ajbmeb-502	3	8	t	t	NOUN
ajbmeb-502	3	9	k	k	X
ajbmeb-502	3	10	e	e	PROPN
ajbmeb-502	3	11	y	y	PROPN
ajbmeb-502	3	12	w	w	NOUN
ajbmeb-502	3	13	o	o	NOUN
ajbmeb-502	3	14	r	r	NOUN
ajbmeb-502	3	15	d	d	NOUN
ajbmeb-502	3	16	s	s	VERB
ajbmeb-502	3	17	the	the	DET
ajbmeb-502	3	18	study	study	NOUN
ajbmeb-502	3	19	’s	’s	PART
ajbmeb-502	3	20	aim	aim	NOUN
ajbmeb-502	3	21	is	be	AUX
ajbmeb-502	3	22	to	to	PART
ajbmeb-502	3	23	empirically	empirically	ADV
ajbmeb-502	3	24	investigate	investigate	VERB
ajbmeb-502	3	25	the	the	DET
ajbmeb-502	3	26	relationship	relationship	NOUN
ajbmeb-502	3	27	between	between	ADP
ajbmeb-502	3	28	electronic	electronic	ADJ
ajbmeb-502	3	29	service	service	NOUN
ajbmeb-502	3	30	delivery	delivery	NOUN
ajbmeb-502	3	31	and	and	CCONJ
ajbmeb-502	3	32	consumers	consumer	NOUN
ajbmeb-502	3	33	attitude	attitude	NOUN
ajbmeb-502	3	34	of	of	ADP
ajbmeb-502	3	35	money	money	NOUN
ajbmeb-502	3	36	deposit	deposit	NOUN
ajbmeb-502	3	37	banks	bank	NOUN
ajbmeb-502	3	38	in	in	ADP
ajbmeb-502	3	39	yenagoa	yenagoa	PROPN
ajbmeb-502	3	40	,	,	PUNCT
ajbmeb-502	3	41	bayelsa	bayelsa	NOUN
ajbmeb-502	3	42	state	state	NOUN
ajbmeb-502	3	43	.	.	PUNCT
ajbmeb-502	4	1	customers	customer	NOUN
ajbmeb-502	4	2	'	'	PART
ajbmeb-502	4	3	attitude	attitude	NOUN
ajbmeb-502	4	4	of	of	ADP
ajbmeb-502	4	5	yenagoa	yenagoa	PROPN
ajbmeb-502	4	6	money	money	NOUN
ajbmeb-502	4	7	deposit	deposit	NOUN
ajbmeb-502	4	8	banks	bank	NOUN
ajbmeb-502	4	9	and	and	CCONJ
ajbmeb-502	4	10	the	the	DET
ajbmeb-502	4	11	delivery	delivery	NOUN
ajbmeb-502	4	12	of	of	ADP
ajbmeb-502	4	13	electronic	electronic	ADJ
ajbmeb-502	4	14	services	service	NOUN
ajbmeb-502	4	15	are	be	AUX
ajbmeb-502	4	16	the	the	DET
ajbmeb-502	4	17	subjects	subject	NOUN
ajbmeb-502	4	18	of	of	ADP
ajbmeb-502	4	19	this	this	DET
ajbmeb-502	4	20	study	study	NOUN
ajbmeb-502	4	21	.	.	PUNCT
ajbmeb-502	5	1	the	the	DET
ajbmeb-502	5	2	study	study	NOUN
ajbmeb-502	5	3	used	use	VERB
ajbmeb-502	5	4	a	a	DET
ajbmeb-502	5	5	cross	cross	ADJ
ajbmeb-502	5	6	-	-	ADJ
ajbmeb-502	5	7	sectional	sectional	ADJ
ajbmeb-502	5	8	research	research	NOUN
ajbmeb-502	5	9	design	design	NOUN
ajbmeb-502	5	10	.	.	PUNCT
ajbmeb-502	6	1	this	this	DET
ajbmeb-502	6	2	study	study	NOUN
ajbmeb-502	6	3	's	's	PART
ajbmeb-502	6	4	population	population	NOUN
ajbmeb-502	6	5	consisted	consist	VERB
ajbmeb-502	6	6	of	of	ADP
ajbmeb-502	6	7	three	three	NUM
ajbmeb-502	6	8	hundred	hundred	NUM
ajbmeb-502	6	9	and	and	CCONJ
ajbmeb-502	6	10	twenty	twenty	NUM
ajbmeb-502	6	11	(	(	PUNCT
ajbmeb-502	6	12	320	320	NUM
ajbmeb-502	6	13	)	)	PUNCT
ajbmeb-502	6	14	accessible	accessible	ADJ
ajbmeb-502	6	15	customers	customer	NOUN
ajbmeb-502	6	16	of	of	ADP
ajbmeb-502	6	17	sixteen	sixteen	NUM
ajbmeb-502	6	18	(	(	PUNCT
ajbmeb-502	6	19	16	16	NUM
ajbmeb-502	6	20	)	)	PUNCT
ajbmeb-502	6	21	registered	register	VERB
ajbmeb-502	6	22	deposit	deposit	NOUN
ajbmeb-502	6	23	money	money	NOUN
ajbmeb-502	6	24	banks	bank	NOUN
ajbmeb-502	6	25	in	in	ADP
ajbmeb-502	6	26	yenagoa	yenagoa	PROPN
ajbmeb-502	6	27	,	,	PUNCT
ajbmeb-502	6	28	bayelsa	bayelsa	NOUN
ajbmeb-502	6	29	state	state	NOUN
ajbmeb-502	6	30	.	.	PUNCT
ajbmeb-502	7	1	using	use	VERB
ajbmeb-502	7	2	the	the	DET
ajbmeb-502	7	3	taro	taro	NOUN
ajbmeb-502	7	4	yamane	yamane	NOUN
ajbmeb-502	7	5	sample	sample	NOUN
ajbmeb-502	7	6	size	size	NOUN
ajbmeb-502	7	7	determination	determination	NOUN
ajbmeb-502	7	8	formula	formula	NOUN
ajbmeb-502	7	9	,	,	PUNCT
ajbmeb-502	7	10	178	178	NUM
ajbmeb-502	7	11	-	-	PUNCT
ajbmeb-502	7	12	person	person	NOUN
ajbmeb-502	7	13	sample	sample	NOUN
ajbmeb-502	7	14	was	be	AUX
ajbmeb-502	7	15	chosen	choose	VERB
ajbmeb-502	7	16	.	.	PUNCT
ajbmeb-502	8	1	only	only	ADV
ajbmeb-502	8	2	168	168	NUM
ajbmeb-502	8	3	of	of	ADP
ajbmeb-502	8	4	the	the	DET
ajbmeb-502	8	5	questionnaires	questionnaire	NOUN
ajbmeb-502	8	6	were	be	AUX
ajbmeb-502	8	7	found	find	VERB
ajbmeb-502	8	8	to	to	PART
ajbmeb-502	8	9	be	be	AUX
ajbmeb-502	8	10	valid	valid	ADJ
ajbmeb-502	8	11	and	and	CCONJ
ajbmeb-502	8	12	useful	useful	ADJ
ajbmeb-502	8	13	for	for	ADP
ajbmeb-502	8	14	analysis	analysis	NOUN
ajbmeb-502	8	15	using	use	VERB
ajbmeb-502	8	16	the	the	DET
ajbmeb-502	8	17	spearman	spearman	NOUN
ajbmeb-502	8	18	rank	rank	NOUN
ajbmeb-502	8	19	correlation	correlation	NOUN
ajbmeb-502	8	20	coefficient	coefficient	NOUN
ajbmeb-502	8	21	and	and	CCONJ
ajbmeb-502	8	22	spss	spss	PROPN
ajbmeb-502	8	23	version	version	NOUN
ajbmeb-502	8	24	23	23	NUM
ajbmeb-502	8	25	to	to	PART
ajbmeb-502	8	26	test	test	VERB
ajbmeb-502	8	27	four	four	NUM
ajbmeb-502	8	28	(	(	PUNCT
ajbmeb-502	8	29	4	4	NUM
ajbmeb-502	8	30	)	)	PUNCT
ajbmeb-502	8	31	hypotheses	hypothesis	NOUN
ajbmeb-502	8	32	.	.	PUNCT
ajbmeb-502	9	1	customers	customer	NOUN
ajbmeb-502	9	2	'	'	PART
ajbmeb-502	9	3	attitude	attitude	NOUN
ajbmeb-502	9	4	of	of	ADP
ajbmeb-502	9	5	money	money	NOUN
ajbmeb-502	9	6	deposit	deposit	NOUN
ajbmeb-502	9	7	banks	bank	NOUN
ajbmeb-502	9	8	in	in	ADP
ajbmeb-502	9	9	yenagoa	yenagoa	PROPN
ajbmeb-502	9	10	are	be	AUX
ajbmeb-502	9	11	positively	positively	ADV
ajbmeb-502	9	12	correlated	correlate	VERB
ajbmeb-502	9	13	with	with	ADP
ajbmeb-502	9	14	the	the	DET
ajbmeb-502	9	15	provision	provision	NOUN
ajbmeb-502	9	16	of	of	ADP
ajbmeb-502	9	17	electronic	electronic	ADJ
ajbmeb-502	9	18	services	service	NOUN
ajbmeb-502	9	19	,	,	PUNCT
ajbmeb-502	9	20	according	accord	VERB
ajbmeb-502	9	21	to	to	ADP
ajbmeb-502	9	22	the	the	DET
ajbmeb-502	9	23	findings	finding	NOUN
ajbmeb-502	9	24	.	.	PUNCT
ajbmeb-502	10	1	one	one	NUM
ajbmeb-502	10	2	of	of	ADP
ajbmeb-502	10	3	the	the	DET
ajbmeb-502	10	4	suggestions	suggestion	NOUN
ajbmeb-502	10	5	was	be	AUX
ajbmeb-502	10	6	that	that	SCONJ
ajbmeb-502	10	7	banks	bank	NOUN
ajbmeb-502	10	8	should	should	AUX
ajbmeb-502	10	9	try	try	VERB
ajbmeb-502	10	10	to	to	PART
ajbmeb-502	10	11	be	be	AUX
ajbmeb-502	10	12	more	more	ADV
ajbmeb-502	10	13	creative	creative	ADJ
ajbmeb-502	10	14	and	and	CCONJ
ajbmeb-502	10	15	innovative	innovative	ADJ
ajbmeb-502	10	16	in	in	ADP
ajbmeb-502	10	17	how	how	SCONJ
ajbmeb-502	10	18	they	they	PRON
ajbmeb-502	10	19	meet	meet	VERB
ajbmeb-502	10	20	the	the	DET
ajbmeb-502	10	21	needs	need	NOUN
ajbmeb-502	10	22	of	of	ADP
ajbmeb-502	10	23	customers	customer	NOUN
ajbmeb-502	10	24	.	.	PUNCT
ajbmeb-502	11	1	this	this	PRON
ajbmeb-502	11	2	could	could	AUX
ajbmeb-502	11	3	be	be	AUX
ajbmeb-502	11	4	done	do	VERB
ajbmeb-502	11	5	by	by	ADP
ajbmeb-502	11	6	improving	improve	VERB
ajbmeb-502	11	7	the	the	DET
ajbmeb-502	11	8	quality	quality	NOUN
ajbmeb-502	11	9	of	of	ADP
ajbmeb-502	11	10	service	service	NOUN
ajbmeb-502	11	11	they	they	PRON
ajbmeb-502	11	12	provide	provide	VERB
ajbmeb-502	11	13	and	and	CCONJ
ajbmeb-502	11	14	using	use	VERB
ajbmeb-502	11	15	marketing	marketing	NOUN
ajbmeb-502	11	16	strategies	strategy	NOUN
ajbmeb-502	11	17	that	that	PRON
ajbmeb-502	11	18	can	can	AUX
ajbmeb-502	11	19	increase	increase	VERB
ajbmeb-502	11	20	demand	demand	NOUN
ajbmeb-502	11	21	for	for	ADP
ajbmeb-502	11	22	and	and	CCONJ
ajbmeb-502	11	23	customer	customer	NOUN
ajbmeb-502	11	24	satisfaction	satisfaction	NOUN
ajbmeb-502	11	25	with	with	ADP
ajbmeb-502	11	26	electronic	electronic	ADJ
ajbmeb-502	11	27	banking	banking	NOUN
ajbmeb-502	11	28	services	service	NOUN
ajbmeb-502	11	29	.	.	PUNCT
ajbmeb-502	12	1	customer	customer	NOUN
ajbmeb-502	12	2	switch	switch	NOUN
ajbmeb-502	12	3	,	,	PUNCT
ajbmeb-502	12	4	mobile	mobile	ADJ
ajbmeb-502	12	5	apps	app	NOUN
ajbmeb-502	12	6	,	,	PUNCT
ajbmeb-502	12	7	word	word	NOUN
ajbmeb-502	12	8	of	of	ADP
ajbmeb-502	12	9	mouth	mouth	NOUN
ajbmeb-502	12	10	,	,	PUNCT
ajbmeb-502	12	11	point	point	NOUN
ajbmeb-502	12	12	of	of	ADP
ajbmeb-502	12	13	sale	sale	NOUN
ajbmeb-502	12	14	introduction	introduction	NOUN
ajbmeb-502	12	15	customer	customer	NOUN
ajbmeb-502	12	16	expectations	expectation	NOUN
ajbmeb-502	12	17	in	in	ADP
ajbmeb-502	12	18	the	the	DET
ajbmeb-502	12	19	post	post	ADJ
ajbmeb-502	12	20	-	-	ADJ
ajbmeb-502	12	21	consolidation	consolidation	ADJ
ajbmeb-502	12	22	period	period	NOUN
ajbmeb-502	12	23	of	of	ADP
ajbmeb-502	12	24	nigeria	nigeria	PROPN
ajbmeb-502	12	25	's	's	PART
ajbmeb-502	12	26	banking	banking	NOUN
ajbmeb-502	12	27	sector	sector	NOUN
ajbmeb-502	12	28	are	be	AUX
ajbmeb-502	12	29	very	very	ADV
ajbmeb-502	12	30	high	high	ADJ
ajbmeb-502	12	31	,	,	PUNCT
ajbmeb-502	12	32	justified	justify	VERB
ajbmeb-502	12	33	by	by	ADP
ajbmeb-502	12	34	the	the	DET
ajbmeb-502	12	35	belief	belief	NOUN
ajbmeb-502	12	36	that	that	SCONJ
ajbmeb-502	12	37	the	the	DET
ajbmeb-502	12	38	exercise	exercise	NOUN
ajbmeb-502	12	39	has	have	AUX
ajbmeb-502	12	40	crowded	crowd	VERB
ajbmeb-502	12	41	out	out	ADP
ajbmeb-502	12	42	incompetent	incompetent	ADJ
ajbmeb-502	12	43	banks	bank	NOUN
ajbmeb-502	12	44	,	,	PUNCT
ajbmeb-502	12	45	leaving	leave	VERB
ajbmeb-502	12	46	only	only	ADV
ajbmeb-502	12	47	those	those	PRON
ajbmeb-502	12	48	who	who	PRON
ajbmeb-502	12	49	are	be	AUX
ajbmeb-502	12	50	able	able	ADJ
ajbmeb-502	12	51	to	to	PART
ajbmeb-502	12	52	compete	compete	VERB
ajbmeb-502	12	53	in	in	ADP
ajbmeb-502	12	54	both	both	CCONJ
ajbmeb-502	12	55	domestic	domestic	ADJ
ajbmeb-502	12	56	and	and	CCONJ
ajbmeb-502	12	57	on	on	ADP
ajbmeb-502	12	58	global	global	ADJ
ajbmeb-502	12	59	market	market	NOUN
ajbmeb-502	12	60	.	.	PUNCT
ajbmeb-502	13	1	customers	customer	NOUN
ajbmeb-502	13	2	of	of	ADP
ajbmeb-502	13	3	financial	financial	ADJ
ajbmeb-502	13	4	institutions	institution	NOUN
ajbmeb-502	13	5	can	can	AUX
ajbmeb-502	13	6	conduct	conduct	VERB
ajbmeb-502	13	7	financial	financial	ADJ
ajbmeb-502	13	8	transactions	transaction	NOUN
ajbmeb-502	13	9	on	on	ADP
ajbmeb-502	13	10	a	a	DET
ajbmeb-502	13	11	secure	secure	ADJ
ajbmeb-502	13	12	website	website	NOUN
ajbmeb-502	13	13	run	run	VERB
ajbmeb-502	13	14	by	by	ADP
ajbmeb-502	13	15	the	the	DET
ajbmeb-502	13	16	institution	institution	NOUN
ajbmeb-502	13	17	,	,	PUNCT
ajbmeb-502	13	18	which	which	PRON
ajbmeb-502	13	19	can	can	AUX
ajbmeb-502	13	20	be	be	AUX
ajbmeb-502	13	21	a	a	DET
ajbmeb-502	13	22	retail	retail	ADJ
ajbmeb-502	13	23	bank	bank	NOUN
ajbmeb-502	13	24	,	,	PUNCT
ajbmeb-502	13	25	virtual	virtual	ADJ
ajbmeb-502	13	26	bank	bank	NOUN
ajbmeb-502	13	27	,	,	PUNCT
ajbmeb-502	13	28	credit	credit	NOUN
ajbmeb-502	13	29	union	union	NOUN
ajbmeb-502	13	30	,	,	PUNCT
ajbmeb-502	13	31	or	or	CCONJ
ajbmeb-502	13	32	building	building	NOUN
ajbmeb-502	13	33	society	society	NOUN
ajbmeb-502	13	34	.	.	PUNCT
ajbmeb-502	14	1	this	this	DET
ajbmeb-502	14	2	technique	technique	NOUN
ajbmeb-502	14	3	is	be	AUX
ajbmeb-502	14	4	known	know	VERB
ajbmeb-502	14	5	as	as	ADP
ajbmeb-502	14	6	electronic	electronic	ADJ
ajbmeb-502	14	7	service	service	NOUN
ajbmeb-502	14	8	delivery	delivery	NOUN
ajbmeb-502	14	9	(	(	PUNCT
ajbmeb-502	14	10	e	e	NOUN
ajbmeb-502	14	11	-	-	NOUN
ajbmeb-502	14	12	banking	banking	NOUN
ajbmeb-502	14	13	)	)	PUNCT
ajbmeb-502	14	14	.	.	PUNCT
ajbmeb-502	15	1	according	accord	VERB
ajbmeb-502	15	2	to	to	ADP
ajbmeb-502	15	3	central	central	ADJ
ajbmeb-502	15	4	bank	bank	PROPN
ajbmeb-502	15	5	of	of	ADP
ajbmeb-502	15	6	nigeria	nigeria	PROPN
ajbmeb-502	15	7	(	(	PUNCT
ajbmeb-502	15	8	2003	2003	NUM
ajbmeb-502	15	9	)	)	PUNCT
ajbmeb-502	15	10	,	,	PUNCT
ajbmeb-502	15	11	electronic	electronic	ADJ
ajbmeb-502	15	12	banking	banking	NOUN
ajbmeb-502	15	13	products	product	NOUN
ajbmeb-502	15	14	in	in	ADP
ajbmeb-502	15	15	the	the	DET
ajbmeb-502	15	16	nigerian	nigerian	ADJ
ajbmeb-502	15	17	american	american	PROPN
ajbmeb-502	15	18	journal	journal	PROPN
ajbmeb-502	15	19	of	of	ADP
ajbmeb-502	15	20	business	business	NOUN
ajbmeb-502	15	21	management	management	NOUN
ajbmeb-502	15	22	,	,	PUNCT
ajbmeb-502	15	23	economics	economic	NOUN
ajbmeb-502	15	24	and	and	CCONJ
ajbmeb-502	15	25	banking	banking	NOUN
ajbmeb-502	15	26	volume	volume	NOUN
ajbmeb-502	15	27	10	10	NUM
ajbmeb-502	15	28	march	march	NOUN
ajbmeb-502	15	29	,	,	PUNCT
ajbmeb-502	15	30	2023	2023	NUM
ajbmeb-502	15	31	p	p	NOUN
ajbmeb-502	15	32	a	a	DET
ajbmeb-502	15	33	g	g	NOUN
ajbmeb-502	15	34	e	e	NOUN
ajbmeb-502	15	35	|	|	ADV
ajbmeb-502	15	36	97	97	NUM
ajbmeb-502	15	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	15	38	banking	banking	NOUN
ajbmeb-502	15	39	system	system	NOUN
ajbmeb-502	15	40	include	include	VERB
ajbmeb-502	15	41	automated	automate	VERB
ajbmeb-502	15	42	teller	teller	NOUN
ajbmeb-502	15	43	machine	machine	NOUN
ajbmeb-502	15	44	(	(	PUNCT
ajbmeb-502	15	45	atm	atm	NOUN
ajbmeb-502	15	46	)	)	PUNCT
ajbmeb-502	15	47	,	,	PUNCT
ajbmeb-502	15	48	smart	smart	ADJ
ajbmeb-502	15	49	cards	card	NOUN
ajbmeb-502	15	50	,	,	PUNCT
ajbmeb-502	15	51	telephone	telephone	NOUN
ajbmeb-502	15	52	banking	banking	NOUN
ajbmeb-502	15	53	,	,	PUNCT
ajbmeb-502	15	54	personal	personal	ADJ
ajbmeb-502	15	55	computer	computer	NOUN
ajbmeb-502	15	56	banking	banking	NOUN
ajbmeb-502	15	57	,	,	PUNCT
ajbmeb-502	15	58	mobile	mobile	ADJ
ajbmeb-502	15	59	banking	banking	NOUN
ajbmeb-502	15	60	,	,	PUNCT
ajbmeb-502	15	61	and	and	CCONJ
ajbmeb-502	15	62	internet	internet	NOUN
ajbmeb-502	15	63	banking	banking	NOUN
ajbmeb-502	15	64	.	.	PUNCT
ajbmeb-502	16	1	banks	bank	NOUN
ajbmeb-502	16	2	provide	provide	VERB
ajbmeb-502	16	3	a	a	DET
ajbmeb-502	16	4	wide	wide	ADJ
ajbmeb-502	16	5	range	range	NOUN
ajbmeb-502	16	6	of	of	ADP
ajbmeb-502	16	7	these	these	DET
ajbmeb-502	16	8	services	service	NOUN
ajbmeb-502	16	9	.	.	PUNCT
ajbmeb-502	17	1	the	the	DET
ajbmeb-502	17	2	way	way	NOUN
ajbmeb-502	17	3	banks	bank	NOUN
ajbmeb-502	17	4	organize	organize	VERB
ajbmeb-502	17	5	the	the	DET
ajbmeb-502	17	6	development	development	NOUN
ajbmeb-502	17	7	,	,	PUNCT
ajbmeb-502	17	8	delivery	delivery	NOUN
ajbmeb-502	17	9	,	,	PUNCT
ajbmeb-502	17	10	and	and	CCONJ
ajbmeb-502	17	11	marketing	marketing	NOUN
ajbmeb-502	17	12	of	of	ADP
ajbmeb-502	17	13	financial	financial	ADJ
ajbmeb-502	17	14	products	product	NOUN
ajbmeb-502	17	15	via	via	ADP
ajbmeb-502	17	16	the	the	DET
ajbmeb-502	17	17	internet	internet	NOUN
ajbmeb-502	17	18	is	be	AUX
ajbmeb-502	17	19	transformed	transform	VERB
ajbmeb-502	17	20	by	by	ADP
ajbmeb-502	17	21	electronic	electronic	ADJ
ajbmeb-502	17	22	service	service	NOUN
ajbmeb-502	17	23	delivery	delivery	NOUN
ajbmeb-502	17	24	,	,	PUNCT
ajbmeb-502	17	25	which	which	PRON
ajbmeb-502	17	26	opens	open	VERB
ajbmeb-502	17	27	up	up	ADP
ajbmeb-502	17	28	previously	previously	ADV
ajbmeb-502	17	29	unheard	unheard	ADJ
ajbmeb-502	17	30	-	-	PUNCT
ajbmeb-502	17	31	of	of	ADP
ajbmeb-502	17	32	opportunities	opportunity	NOUN
ajbmeb-502	17	33	.	.	PUNCT
ajbmeb-502	18	1	al	al	PROPN
ajbmeb-502	18	2	-	-	PUNCT
ajbmeb-502	18	3	hajri	hajri	ADJ
ajbmeb-502	18	4	(	(	PUNCT
ajbmeb-502	18	5	2008	2008	NUM
ajbmeb-502	18	6	)	)	PUNCT
ajbmeb-502	18	7	proposed	propose	VERB
ajbmeb-502	18	8	that	that	SCONJ
ajbmeb-502	18	9	banks	bank	NOUN
ajbmeb-502	18	10	must	must	AUX
ajbmeb-502	18	11	modify	modify	VERB
ajbmeb-502	18	12	service	service	NOUN
ajbmeb-502	18	13	delivery	delivery	NOUN
ajbmeb-502	18	14	in	in	ADP
ajbmeb-502	18	15	order	order	NOUN
ajbmeb-502	18	16	to	to	PART
ajbmeb-502	18	17	satisfy	satisfy	VERB
ajbmeb-502	18	18	customers	customer	NOUN
ajbmeb-502	18	19	'	'	PART
ajbmeb-502	18	20	needs	need	NOUN
ajbmeb-502	18	21	by	by	ADP
ajbmeb-502	18	22	offering	offer	VERB
ajbmeb-502	18	23	excellent	excellent	ADJ
ajbmeb-502	18	24	customer	customer	NOUN
ajbmeb-502	18	25	service	service	NOUN
ajbmeb-502	18	26	and	and	CCONJ
ajbmeb-502	18	27	electronic	electronic	ADJ
ajbmeb-502	18	28	banking	banking	NOUN
ajbmeb-502	18	29	products	product	NOUN
ajbmeb-502	18	30	.	.	PUNCT
ajbmeb-502	19	1	however	however	ADV
ajbmeb-502	19	2	,	,	PUNCT
ajbmeb-502	19	3	despite	despite	SCONJ
ajbmeb-502	19	4	the	the	DET
ajbmeb-502	19	5	fact	fact	NOUN
ajbmeb-502	19	6	that	that	SCONJ
ajbmeb-502	19	7	e	e	NOUN
ajbmeb-502	19	8	-	-	ADJ
ajbmeb-502	19	9	banking	banking	ADJ
ajbmeb-502	19	10	presents	present	VERB
ajbmeb-502	19	11	banks	bank	NOUN
ajbmeb-502	19	12	with	with	ADP
ajbmeb-502	19	13	brand	brand	NOUN
ajbmeb-502	19	14	-	-	PUNCT
ajbmeb-502	19	15	new	new	ADJ
ajbmeb-502	19	16	opportunities	opportunity	NOUN
ajbmeb-502	19	17	,	,	PUNCT
ajbmeb-502	19	18	it	it	PRON
ajbmeb-502	19	19	also	also	ADV
ajbmeb-502	19	20	presents	present	VERB
ajbmeb-502	19	21	a	a	DET
ajbmeb-502	19	22	number	number	NOUN
ajbmeb-502	19	23	of	of	ADP
ajbmeb-502	19	24	challenges	challenge	NOUN
ajbmeb-502	19	25	,	,	PUNCT
ajbmeb-502	19	26	including	include	VERB
ajbmeb-502	19	27	the	the	DET
ajbmeb-502	19	28	development	development	NOUN
ajbmeb-502	19	29	of	of	ADP
ajbmeb-502	19	30	new	new	ADJ
ajbmeb-502	19	31	information	information	NOUN
ajbmeb-502	19	32	technology	technology	NOUN
ajbmeb-502	19	33	(	(	PUNCT
ajbmeb-502	19	34	it	it	PRON
ajbmeb-502	19	35	)	)	PUNCT
ajbmeb-502	19	36	applications	application	NOUN
ajbmeb-502	19	37	,	,	PUNCT
ajbmeb-502	19	38	the	the	DET
ajbmeb-502	19	39	elimination	elimination	NOUN
ajbmeb-502	19	40	of	of	ADP
ajbmeb-502	19	41	industry	industry	NOUN
ajbmeb-502	19	42	barriers	barrier	NOUN
ajbmeb-502	19	43	,	,	PUNCT
ajbmeb-502	19	44	the	the	DET
ajbmeb-502	19	45	entry	entry	NOUN
ajbmeb-502	19	46	of	of	ADP
ajbmeb-502	19	47	new	new	ADJ
ajbmeb-502	19	48	competitors	competitor	NOUN
ajbmeb-502	19	49	,	,	PUNCT
ajbmeb-502	19	50	and	and	CCONJ
ajbmeb-502	19	51	the	the	DET
ajbmeb-502	19	52	emergence	emergence	NOUN
ajbmeb-502	19	53	of	of	ADP
ajbmeb-502	19	54	novel	novel	ADJ
ajbmeb-502	19	55	business	business	NOUN
ajbmeb-502	19	56	models	model	NOUN
ajbmeb-502	19	57	(	(	PUNCT
ajbmeb-502	19	58	liao	liao	PROPN
ajbmeb-502	19	59	and	and	CCONJ
ajbmeb-502	19	60	cheung	cheung	PROPN
ajbmeb-502	19	61	,	,	PUNCT
ajbmeb-502	19	62	2003	2003	NUM
ajbmeb-502	19	63	)	)	PUNCT
ajbmeb-502	19	64	.	.	PUNCT
ajbmeb-502	20	1	with	with	ADP
ajbmeb-502	20	2	the	the	DET
ajbmeb-502	20	3	spread	spread	NOUN
ajbmeb-502	20	4	of	of	ADP
ajbmeb-502	20	5	the	the	DET
ajbmeb-502	20	6	internet	internet	NOUN
ajbmeb-502	20	7	and	and	CCONJ
ajbmeb-502	20	8	the	the	DET
ajbmeb-502	20	9	expansion	expansion	NOUN
ajbmeb-502	20	10	of	of	ADP
ajbmeb-502	20	11	the	the	DET
ajbmeb-502	20	12	information	information	NOUN
ajbmeb-502	20	13	economy	economy	NOUN
ajbmeb-502	20	14	,	,	PUNCT
ajbmeb-502	20	15	the	the	DET
ajbmeb-502	20	16	pace	pace	NOUN
ajbmeb-502	20	17	and	and	CCONJ
ajbmeb-502	20	18	scope	scope	NOUN
ajbmeb-502	20	19	of	of	ADP
ajbmeb-502	20	20	the	the	DET
ajbmeb-502	20	21	challenges	challenge	NOUN
ajbmeb-502	20	22	are	be	AUX
ajbmeb-502	20	23	now	now	ADV
ajbmeb-502	20	24	rapidly	rapidly	ADV
ajbmeb-502	20	25	increasing	increase	VERB
ajbmeb-502	20	26	(	(	PUNCT
ajbmeb-502	20	27	holland	holland	PROPN
ajbmeb-502	20	28	and	and	CCONJ
ajbmeb-502	20	29	westwood	westwood	PROPN
ajbmeb-502	20	30	,	,	PUNCT
ajbmeb-502	20	31	2001	2001	NUM
ajbmeb-502	20	32	)	)	PUNCT
ajbmeb-502	20	33	.	.	PUNCT
ajbmeb-502	21	1	the	the	DET
ajbmeb-502	21	2	attitude	attitude	NOUN
ajbmeb-502	21	3	of	of	ADP
ajbmeb-502	21	4	customers	customer	NOUN
ajbmeb-502	21	5	has	have	AUX
ajbmeb-502	21	6	recently	recently	ADV
ajbmeb-502	21	7	emerged	emerge	VERB
ajbmeb-502	21	8	as	as	ADP
ajbmeb-502	21	9	a	a	DET
ajbmeb-502	21	10	significant	significant	ADJ
ajbmeb-502	21	11	focus	focus	NOUN
ajbmeb-502	21	12	for	for	ADP
ajbmeb-502	21	13	commercial	commercial	ADJ
ajbmeb-502	21	14	banks	bank	NOUN
ajbmeb-502	21	15	.	.	PUNCT
ajbmeb-502	22	1	a	a	DET
ajbmeb-502	22	2	service	service	NOUN
ajbmeb-502	22	3	industry	industry	NOUN
ajbmeb-502	22	4	is	be	AUX
ajbmeb-502	22	5	the	the	DET
ajbmeb-502	22	6	banking	banking	NOUN
ajbmeb-502	22	7	industry	industry	NOUN
ajbmeb-502	22	8	.	.	PUNCT
ajbmeb-502	23	1	it	it	PRON
ajbmeb-502	23	2	offers	offer	VERB
ajbmeb-502	23	3	a	a	DET
ajbmeb-502	23	4	wide	wide	ADJ
ajbmeb-502	23	5	range	range	NOUN
ajbmeb-502	23	6	of	of	ADP
ajbmeb-502	23	7	financial	financial	ADJ
ajbmeb-502	23	8	services	service	NOUN
ajbmeb-502	23	9	to	to	ADP
ajbmeb-502	23	10	its	its	PRON
ajbmeb-502	23	11	customers	customer	NOUN
ajbmeb-502	23	12	(	(	PUNCT
ajbmeb-502	23	13	inegbedion	inegbedion	NOUN
ajbmeb-502	23	14	,	,	PUNCT
ajbmeb-502	23	15	2018	2018	NUM
ajbmeb-502	23	16	)	)	PUNCT
ajbmeb-502	23	17	.	.	PUNCT
ajbmeb-502	24	1	as	as	ADP
ajbmeb-502	24	2	a	a	DET
ajbmeb-502	24	3	result	result	NOUN
ajbmeb-502	24	4	,	,	PUNCT
ajbmeb-502	24	5	a	a	DET
ajbmeb-502	24	6	banking	banking	NOUN
ajbmeb-502	24	7	institution	institution	NOUN
ajbmeb-502	24	8	must	must	AUX
ajbmeb-502	24	9	place	place	VERB
ajbmeb-502	24	10	a	a	DET
ajbmeb-502	24	11	high	high	ADJ
ajbmeb-502	24	12	priority	priority	NOUN
ajbmeb-502	24	13	on	on	ADP
ajbmeb-502	24	14	providing	provide	VERB
ajbmeb-502	24	15	superior	superior	ADJ
ajbmeb-502	24	16	customer	customer	NOUN
ajbmeb-502	24	17	service	service	NOUN
ajbmeb-502	24	18	.	.	PUNCT
ajbmeb-502	25	1	customers	customer	NOUN
ajbmeb-502	25	2	will	will	AUX
ajbmeb-502	25	3	be	be	AUX
ajbmeb-502	25	4	more	more	ADV
ajbmeb-502	25	5	positive	positive	ADJ
ajbmeb-502	25	6	as	as	ADP
ajbmeb-502	25	7	a	a	DET
ajbmeb-502	25	8	result	result	NOUN
ajbmeb-502	25	9	of	of	ADP
ajbmeb-502	25	10	this	this	PRON
ajbmeb-502	25	11	.	.	PUNCT
ajbmeb-502	26	1	nigeria	nigeria	PROPN
ajbmeb-502	26	2	currently	currently	ADV
ajbmeb-502	26	3	has	have	VERB
ajbmeb-502	26	4	a	a	DET
ajbmeb-502	26	5	lot	lot	NOUN
ajbmeb-502	26	6	of	of	ADP
ajbmeb-502	26	7	banks	bank	NOUN
ajbmeb-502	26	8	and	and	CCONJ
ajbmeb-502	26	9	other	other	ADJ
ajbmeb-502	26	10	financial	financial	ADJ
ajbmeb-502	26	11	institutions	institution	NOUN
ajbmeb-502	26	12	.	.	PUNCT
ajbmeb-502	27	1	customers	customer	NOUN
ajbmeb-502	27	2	'	'	PART
ajbmeb-502	27	3	perceptions	perception	NOUN
ajbmeb-502	27	4	of	of	ADP
ajbmeb-502	27	5	banks	bank	NOUN
ajbmeb-502	27	6	are	be	AUX
ajbmeb-502	27	7	significantly	significantly	ADV
ajbmeb-502	27	8	influenced	influence	VERB
ajbmeb-502	27	9	by	by	ADP
ajbmeb-502	27	10	the	the	DET
ajbmeb-502	27	11	services	service	NOUN
ajbmeb-502	27	12	they	they	PRON
ajbmeb-502	27	13	receive	receive	VERB
ajbmeb-502	27	14	.	.	PUNCT
ajbmeb-502	28	1	today	today	NOUN
ajbmeb-502	28	2	,	,	PUNCT
ajbmeb-502	28	3	there	there	PRON
ajbmeb-502	28	4	is	be	VERB
ajbmeb-502	28	5	a	a	DET
ajbmeb-502	28	6	worldwide	worldwide	ADJ
ajbmeb-502	28	7	rise	rise	NOUN
ajbmeb-502	28	8	in	in	ADP
ajbmeb-502	28	9	the	the	DET
ajbmeb-502	28	10	use	use	NOUN
ajbmeb-502	28	11	of	of	ADP
ajbmeb-502	28	12	electronic	electronic	ADJ
ajbmeb-502	28	13	service	service	NOUN
ajbmeb-502	28	14	delivery	delivery	NOUN
ajbmeb-502	28	15	in	in	ADP
ajbmeb-502	28	16	banking	banking	NOUN
ajbmeb-502	28	17	transactions	transaction	NOUN
ajbmeb-502	28	18	.	.	PUNCT
ajbmeb-502	29	1	the	the	DET
ajbmeb-502	29	2	use	use	NOUN
ajbmeb-502	29	3	of	of	ADP
ajbmeb-502	29	4	atm	atm	ADJ
ajbmeb-502	29	5	cards	card	NOUN
ajbmeb-502	29	6	resulted	result	VERB
ajbmeb-502	29	7	in	in	ADP
ajbmeb-502	29	8	significant	significant	ADJ
ajbmeb-502	29	9	shifts	shift	NOUN
ajbmeb-502	29	10	in	in	ADP
ajbmeb-502	29	11	how	how	SCONJ
ajbmeb-502	29	12	money	money	NOUN
ajbmeb-502	29	13	was	be	AUX
ajbmeb-502	29	14	withdrawn	withdraw	VERB
ajbmeb-502	29	15	from	from	ADP
ajbmeb-502	29	16	the	the	DET
ajbmeb-502	29	17	financial	financial	ADJ
ajbmeb-502	29	18	sector	sector	NOUN
ajbmeb-502	29	19	in	in	ADP
ajbmeb-502	29	20	nigeria	nigeria	PROPN
ajbmeb-502	29	21	as	as	ADV
ajbmeb-502	29	22	well	well	ADV
ajbmeb-502	29	23	.	.	PUNCT
ajbmeb-502	30	1	with	with	ADP
ajbmeb-502	30	2	the	the	DET
ajbmeb-502	30	3	increasing	increase	VERB
ajbmeb-502	30	4	use	use	NOUN
ajbmeb-502	30	5	of	of	ADP
ajbmeb-502	30	6	information	information	NOUN
ajbmeb-502	30	7	and	and	CCONJ
ajbmeb-502	30	8	telecommunication	telecommunication	NOUN
ajbmeb-502	30	9	technologies	technology	NOUN
ajbmeb-502	30	10	in	in	ADP
ajbmeb-502	30	11	the	the	DET
ajbmeb-502	30	12	nigerian	nigerian	ADJ
ajbmeb-502	30	13	banking	banking	NOUN
ajbmeb-502	30	14	sector	sector	NOUN
ajbmeb-502	30	15	,	,	PUNCT
ajbmeb-502	30	16	the	the	DET
ajbmeb-502	30	17	country	country	NOUN
ajbmeb-502	30	18	has	have	AUX
ajbmeb-502	30	19	seen	see	VERB
ajbmeb-502	30	20	a	a	DET
ajbmeb-502	30	21	rapid	rapid	ADJ
ajbmeb-502	30	22	increase	increase	NOUN
ajbmeb-502	30	23	in	in	ADP
ajbmeb-502	30	24	banking	banking	NOUN
ajbmeb-502	30	25	transactions	transaction	NOUN
ajbmeb-502	30	26	.	.	PUNCT
ajbmeb-502	31	1	every	every	DET
ajbmeb-502	31	2	day	day	NOUN
ajbmeb-502	31	3	,	,	PUNCT
ajbmeb-502	31	4	commercial	commercial	ADJ
ajbmeb-502	31	5	banks	bank	NOUN
ajbmeb-502	31	6	in	in	ADP
ajbmeb-502	31	7	nigeria	nigeria	PROPN
ajbmeb-502	31	8	are	be	AUX
ajbmeb-502	31	9	expanding	expand	VERB
ajbmeb-502	31	10	their	their	PRON
ajbmeb-502	31	11	technology	technology	NOUN
ajbmeb-502	31	12	-	-	PUNCT
ajbmeb-502	31	13	based	base	VERB
ajbmeb-502	31	14	services	service	NOUN
ajbmeb-502	31	15	.	.	PUNCT
ajbmeb-502	32	1	in	in	ADP
ajbmeb-502	32	2	nigeria	nigeria	PROPN
ajbmeb-502	32	3	,	,	PUNCT
ajbmeb-502	32	4	banks	bank	NOUN
ajbmeb-502	32	5	and	and	CCONJ
ajbmeb-502	32	6	financial	financial	ADJ
ajbmeb-502	32	7	institutions	institution	NOUN
ajbmeb-502	32	8	offer	offer	VERB
ajbmeb-502	32	9	a	a	DET
ajbmeb-502	32	10	variety	variety	NOUN
ajbmeb-502	32	11	of	of	ADP
ajbmeb-502	32	12	services	service	NOUN
ajbmeb-502	32	13	to	to	ADP
ajbmeb-502	32	14	their	their	PRON
ajbmeb-502	32	15	customers	customer	NOUN
ajbmeb-502	32	16	because	because	SCONJ
ajbmeb-502	32	17	the	the	DET
ajbmeb-502	32	18	banking	banking	NOUN
ajbmeb-502	32	19	industry	industry	NOUN
ajbmeb-502	32	20	is	be	AUX
ajbmeb-502	32	21	entirely	entirely	ADV
ajbmeb-502	32	22	service	service	NOUN
ajbmeb-502	32	23	-	-	PUNCT
ajbmeb-502	32	24	oriented	orient	VERB
ajbmeb-502	32	25	.	.	PUNCT
ajbmeb-502	33	1	over	over	ADP
ajbmeb-502	33	2	the	the	DET
ajbmeb-502	33	3	years	year	NOUN
ajbmeb-502	33	4	,	,	PUNCT
ajbmeb-502	33	5	several	several	ADJ
ajbmeb-502	33	6	empirical	empirical	ADJ
ajbmeb-502	33	7	studies	study	NOUN
ajbmeb-502	33	8	have	have	AUX
ajbmeb-502	33	9	been	be	AUX
ajbmeb-502	33	10	conducted	conduct	VERB
ajbmeb-502	33	11	by	by	ADP
ajbmeb-502	33	12	academics	academic	NOUN
ajbmeb-502	33	13	to	to	PART
ajbmeb-502	33	14	explore	explore	VERB
ajbmeb-502	33	15	ways	way	NOUN
ajbmeb-502	33	16	to	to	PART
ajbmeb-502	33	17	improve	improve	VERB
ajbmeb-502	33	18	customer	customer	NOUN
ajbmeb-502	33	19	attitude	attitude	NOUN
ajbmeb-502	33	20	(	(	PUNCT
ajbmeb-502	33	21	inegbedion	inegbedion	NOUN
ajbmeb-502	33	22	,	,	PUNCT
ajbmeb-502	33	23	2018	2018	NUM
ajbmeb-502	33	24	;	;	PUNCT
ajbmeb-502	33	25	onyia	onyia	PROPN
ajbmeb-502	33	26	,	,	PUNCT
ajbmeb-502	33	27	&	&	CCONJ
ajbmeb-502	33	28	tagg	tagg	PROPN
ajbmeb-502	33	29	,	,	PUNCT
ajbmeb-502	33	30	2011	2011	NUM
ajbmeb-502	33	31	;	;	PUNCT
ajbmeb-502	33	32	inegbedion	inegbedion	NOUN
ajbmeb-502	33	33	,	,	PUNCT
ajbmeb-502	33	34	et	et	PROPN
ajbmeb-502	33	35	al	al	PROPN
ajbmeb-502	33	36	.	.	PROPN
ajbmeb-502	33	37	2020	2020	NUM
ajbmeb-502	33	38	)	)	PUNCT
ajbmeb-502	33	39	.	.	PUNCT
ajbmeb-502	34	1	despite	despite	SCONJ
ajbmeb-502	34	2	the	the	DET
ajbmeb-502	34	3	work	work	NOUN
ajbmeb-502	34	4	done	do	VERB
ajbmeb-502	34	5	by	by	ADP
ajbmeb-502	34	6	scholars	scholar	NOUN
ajbmeb-502	34	7	,	,	PUNCT
ajbmeb-502	34	8	there	there	PRON
ajbmeb-502	34	9	is	be	VERB
ajbmeb-502	34	10	still	still	ADV
ajbmeb-502	34	11	a	a	DET
ajbmeb-502	34	12	shortage	shortage	NOUN
ajbmeb-502	34	13	of	of	ADP
ajbmeb-502	34	14	work	work	NOUN
ajbmeb-502	34	15	that	that	PRON
ajbmeb-502	34	16	explores	explore	VERB
ajbmeb-502	34	17	how	how	SCONJ
ajbmeb-502	34	18	electronic	electronic	ADJ
ajbmeb-502	34	19	service	service	NOUN
ajbmeb-502	34	20	delivery	delivery	NOUN
ajbmeb-502	34	21	relates	relate	VERB
ajbmeb-502	34	22	with	with	ADP
ajbmeb-502	34	23	customer	customer	NOUN
ajbmeb-502	34	24	attitude	attitude	NOUN
ajbmeb-502	34	25	in	in	ADP
ajbmeb-502	34	26	deposit	deposit	NOUN
ajbmeb-502	34	27	money	money	NOUN
ajbmeb-502	34	28	banks	bank	NOUN
ajbmeb-502	34	29	in	in	ADP
ajbmeb-502	34	30	yenagoa	yenagoa	PROPN
ajbmeb-502	34	31	,	,	PUNCT
ajbmeb-502	34	32	bayelsa	bayelsa	NOUN
ajbmeb-502	34	33	state	state	NOUN
ajbmeb-502	34	34	.	.	PUNCT
ajbmeb-502	35	1	statement	statement	NOUN
ajbmeb-502	35	2	of	of	ADP
ajbmeb-502	35	3	the	the	DET
ajbmeb-502	35	4	problem	problem	NOUN
ajbmeb-502	35	5	the	the	DET
ajbmeb-502	35	6	current	current	ADJ
ajbmeb-502	35	7	state	state	NOUN
ajbmeb-502	35	8	of	of	ADP
ajbmeb-502	35	9	the	the	DET
ajbmeb-502	35	10	nature	nature	NOUN
ajbmeb-502	35	11	has	have	AUX
ajbmeb-502	35	12	made	make	VERB
ajbmeb-502	35	13	deposit	deposit	NOUN
ajbmeb-502	35	14	money	money	NOUN
ajbmeb-502	35	15	banks	bank	NOUN
ajbmeb-502	35	16	to	to	PART
ajbmeb-502	35	17	think	think	VERB
ajbmeb-502	35	18	outside	outside	ADP
ajbmeb-502	35	19	the	the	DET
ajbmeb-502	35	20	box	box	NOUN
ajbmeb-502	35	21	to	to	PART
ajbmeb-502	35	22	retain	retain	VERB
ajbmeb-502	35	23	and	and	CCONJ
ajbmeb-502	35	24	maintain	maintain	VERB
ajbmeb-502	35	25	customer	customer	NOUN
ajbmeb-502	35	26	satisfaction	satisfaction	NOUN
ajbmeb-502	35	27	.	.	PUNCT
ajbmeb-502	36	1	recently	recently	ADV
ajbmeb-502	36	2	,	,	PUNCT
ajbmeb-502	36	3	because	because	SCONJ
ajbmeb-502	36	4	of	of	ADP
ajbmeb-502	36	5	the	the	DET
ajbmeb-502	36	6	redesigning	redesigning	NOUN
ajbmeb-502	36	7	of	of	ADP
ajbmeb-502	36	8	the	the	DET
ajbmeb-502	36	9	naira	naira	NOUN
ajbmeb-502	36	10	,	,	PUNCT
ajbmeb-502	36	11	customers	customer	NOUN
ajbmeb-502	36	12	of	of	ADP
ajbmeb-502	36	13	financial	financial	ADJ
ajbmeb-502	36	14	institutions	institution	NOUN
ajbmeb-502	36	15	find	find	VERB
ajbmeb-502	36	16	it	it	PRON
ajbmeb-502	36	17	difficult	difficult	ADJ
ajbmeb-502	36	18	to	to	PART
ajbmeb-502	36	19	access	access	VERB
ajbmeb-502	36	20	cash	cash	NOUN
ajbmeb-502	36	21	.	.	PUNCT
ajbmeb-502	37	1	despite	despite	SCONJ
ajbmeb-502	37	2	the	the	DET
ajbmeb-502	37	3	significant	significant	ADJ
ajbmeb-502	37	4	changes	change	NOUN
ajbmeb-502	37	5	brought	bring	VERB
ajbmeb-502	37	6	about	about	ADP
ajbmeb-502	37	7	by	by	ADP
ajbmeb-502	37	8	the	the	DET
ajbmeb-502	37	9	internet	internet	NOUN
ajbmeb-502	37	10	to	to	ADP
ajbmeb-502	37	11	the	the	DET
ajbmeb-502	37	12	global	global	ADJ
ajbmeb-502	37	13	banking	banking	NOUN
ajbmeb-502	37	14	environment	environment	NOUN
ajbmeb-502	37	15	,	,	PUNCT
ajbmeb-502	37	16	there	there	PRON
ajbmeb-502	37	17	are	be	VERB
ajbmeb-502	37	18	unmistakable	unmistakable	ADJ
ajbmeb-502	37	19	obstacles	obstacle	NOUN
ajbmeb-502	37	20	,	,	PUNCT
ajbmeb-502	37	21	the	the	DET
ajbmeb-502	37	22	majority	majority	NOUN
ajbmeb-502	37	23	of	of	ADP
ajbmeb-502	37	24	which	which	PRON
ajbmeb-502	37	25	vary	vary	VERB
ajbmeb-502	37	26	across	across	ADP
ajbmeb-502	37	27	borders	border	NOUN
ajbmeb-502	37	28	depending	depend	VERB
ajbmeb-502	37	29	on	on	ADP
ajbmeb-502	37	30	factors	factor	NOUN
ajbmeb-502	37	31	such	such	ADJ
ajbmeb-502	37	32	as	as	ADP
ajbmeb-502	37	33	institutional	institutional	ADJ
ajbmeb-502	37	34	quality	quality	NOUN
ajbmeb-502	37	35	,	,	PUNCT
ajbmeb-502	37	36	infrastructure	infrastructure	NOUN
ajbmeb-502	37	37	capacity	capacity	NOUN
ajbmeb-502	37	38	,	,	PUNCT
ajbmeb-502	37	39	and	and	CCONJ
ajbmeb-502	37	40	human	human	ADJ
ajbmeb-502	37	41	capital	capital	NOUN
ajbmeb-502	37	42	development	development	NOUN
ajbmeb-502	37	43	.	.	PUNCT
ajbmeb-502	38	1	when	when	SCONJ
ajbmeb-502	38	2	businesses	business	NOUN
ajbmeb-502	38	3	do	do	AUX
ajbmeb-502	38	4	n't	not	PART
ajbmeb-502	38	5	respond	respond	VERB
ajbmeb-502	38	6	to	to	ADP
ajbmeb-502	38	7	customer	customer	NOUN
ajbmeb-502	38	8	complaints	complaint	NOUN
ajbmeb-502	38	9	in	in	ADP
ajbmeb-502	38	10	a	a	DET
ajbmeb-502	38	11	timely	timely	ADJ
ajbmeb-502	38	12	manner	manner	NOUN
ajbmeb-502	38	13	,	,	PUNCT
ajbmeb-502	38	14	that	that	DET
ajbmeb-502	38	15	particular	particular	ADJ
ajbmeb-502	38	16	customer	customer	NOUN
ajbmeb-502	38	17	may	may	AUX
ajbmeb-502	38	18	get	get	AUX
ajbmeb-502	38	19	lost	lose	VERB
ajbmeb-502	38	20	in	in	ADP
ajbmeb-502	38	21	the	the	DET
ajbmeb-502	38	22	process	process	NOUN
ajbmeb-502	38	23	.	.	PUNCT
ajbmeb-502	39	1	this	this	PRON
ajbmeb-502	39	2	could	could	AUX
ajbmeb-502	39	3	set	set	VERB
ajbmeb-502	39	4	off	off	ADP
ajbmeb-502	39	5	a	a	DET
ajbmeb-502	39	6	chain	chain	NOUN
ajbmeb-502	39	7	reaction	reaction	NOUN
ajbmeb-502	39	8	in	in	ADP
ajbmeb-502	39	9	which	which	PRON
ajbmeb-502	39	10	the	the	DET
ajbmeb-502	39	11	customer	customer	NOUN
ajbmeb-502	39	12	tells	tell	VERB
ajbmeb-502	39	13	others	other	NOUN
ajbmeb-502	39	14	,	,	PUNCT
ajbmeb-502	39	15	who	who	PRON
ajbmeb-502	39	16	might	might	AUX
ajbmeb-502	39	17	then	then	ADV
ajbmeb-502	39	18	continue	continue	VERB
ajbmeb-502	39	19	to	to	PART
ajbmeb-502	39	20	spread	spread	VERB
ajbmeb-502	39	21	bad	bad	ADJ
ajbmeb-502	39	22	news	news	NOUN
ajbmeb-502	39	23	about	about	ADP
ajbmeb-502	39	24	the	the	DET
ajbmeb-502	39	25	bank	bank	NOUN
ajbmeb-502	39	26	.	.	PUNCT
ajbmeb-502	40	1	however	however	ADV
ajbmeb-502	40	2	,	,	PUNCT
ajbmeb-502	40	3	numerous	numerous	ADJ
ajbmeb-502	40	4	initiatives	initiative	NOUN
ajbmeb-502	40	5	by	by	ADP
ajbmeb-502	40	6	banks	bank	NOUN
ajbmeb-502	40	7	to	to	PART
ajbmeb-502	40	8	improve	improve	VERB
ajbmeb-502	40	9	customer	customer	NOUN
ajbmeb-502	40	10	service	service	NOUN
ajbmeb-502	40	11	have	have	AUX
ajbmeb-502	40	12	been	be	AUX
ajbmeb-502	40	13	observed	observe	VERB
ajbmeb-502	40	14	over	over	ADP
ajbmeb-502	40	15	time	time	NOUN
ajbmeb-502	40	16	.	.	PUNCT
ajbmeb-502	41	1	although	although	SCONJ
ajbmeb-502	41	2	many	many	ADJ
ajbmeb-502	41	3	bank	bank	NOUN
ajbmeb-502	41	4	customers	customer	NOUN
ajbmeb-502	41	5	are	be	AUX
ajbmeb-502	41	6	now	now	ADV
ajbmeb-502	41	7	displaying	display	VERB
ajbmeb-502	41	8	expressions	expression	NOUN
ajbmeb-502	41	9	of	of	ADP
ajbmeb-502	41	10	dissatisfaction	dissatisfaction	NOUN
ajbmeb-502	41	11	regarding	regard	VERB
ajbmeb-502	41	12	the	the	DET
ajbmeb-502	41	13	ebanking	ebanking	ADJ
ajbmeb-502	41	14	services	service	NOUN
ajbmeb-502	41	15	provided	provide	VERB
ajbmeb-502	41	16	by	by	ADP
ajbmeb-502	41	17	banks	bank	NOUN
ajbmeb-502	41	18	,	,	PUNCT
ajbmeb-502	41	19	customers	customer	NOUN
ajbmeb-502	41	20	are	be	AUX
ajbmeb-502	41	21	responding	respond	VERB
ajbmeb-502	41	22	positively	positively	ADV
ajbmeb-502	41	23	.	.	PUNCT
ajbmeb-502	42	1	a	a	DET
ajbmeb-502	42	2	network	network	NOUN
ajbmeb-502	42	3	failure	failure	NOUN
ajbmeb-502	42	4	,	,	PUNCT
ajbmeb-502	42	5	poor	poor	ADJ
ajbmeb-502	42	6	customer	customer	NOUN
ajbmeb-502	42	7	service	service	NOUN
ajbmeb-502	42	8	,	,	PUNCT
ajbmeb-502	42	9	poor	poor	ADJ
ajbmeb-502	42	10	internet	internet	NOUN
ajbmeb-502	42	11	banking	banking	NOUN
ajbmeb-502	42	12	,	,	PUNCT
ajbmeb-502	42	13	and	and	CCONJ
ajbmeb-502	42	14	inefficient	inefficient	ADJ
ajbmeb-502	42	15	facilities	facility	NOUN
ajbmeb-502	42	16	are	be	AUX
ajbmeb-502	42	17	some	some	PRON
ajbmeb-502	42	18	of	of	ADP
ajbmeb-502	42	19	the	the	DET
ajbmeb-502	42	20	reasons	reason	NOUN
ajbmeb-502	42	21	why	why	SCONJ
ajbmeb-502	42	22	some	some	DET
ajbmeb-502	42	23	customers	customer	NOUN
ajbmeb-502	42	24	have	have	AUX
ajbmeb-502	42	25	been	be	AUX
ajbmeb-502	42	26	unable	unable	ADJ
ajbmeb-502	42	27	to	to	PART
ajbmeb-502	42	28	access	access	VERB
ajbmeb-502	42	29	their	their	PRON
ajbmeb-502	42	30	cash	cash	NOUN
ajbmeb-502	42	31	for	for	ADP
ajbmeb-502	42	32	such	such	DET
ajbmeb-502	42	33	a	a	DET
ajbmeb-502	42	34	long	long	ADJ
ajbmeb-502	42	35	time	time	NOUN
ajbmeb-502	42	36	.	.	PUNCT
ajbmeb-502	43	1	others	other	NOUN
ajbmeb-502	43	2	have	have	AUX
ajbmeb-502	43	3	experienced	experience	VERB
ajbmeb-502	43	4	american	american	ADJ
ajbmeb-502	43	5	journal	journal	PROPN
ajbmeb-502	43	6	of	of	ADP
ajbmeb-502	43	7	business	business	NOUN
ajbmeb-502	43	8	management	management	NOUN
ajbmeb-502	43	9	,	,	PUNCT
ajbmeb-502	43	10	economics	economic	NOUN
ajbmeb-502	43	11	and	and	CCONJ
ajbmeb-502	43	12	banking	banking	NOUN
ajbmeb-502	43	13	volume	volume	NOUN
ajbmeb-502	43	14	10	10	NUM
ajbmeb-502	43	15	march	march	NOUN
ajbmeb-502	43	16	,	,	PUNCT
ajbmeb-502	43	17	2023	2023	NUM
ajbmeb-502	43	18	p	p	NOUN
ajbmeb-502	43	19	a	a	DET
ajbmeb-502	43	20	g	g	NOUN
ajbmeb-502	43	21	e	e	NOUN
ajbmeb-502	43	22	|	|	ADV
ajbmeb-502	43	23	98	98	NUM
ajbmeb-502	43	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	43	25	problems	problem	NOUN
ajbmeb-502	43	26	with	with	ADP
ajbmeb-502	43	27	account	account	NOUN
ajbmeb-502	43	28	debits	debit	NOUN
ajbmeb-502	43	29	that	that	PRON
ajbmeb-502	43	30	do	do	AUX
ajbmeb-502	43	31	not	not	PART
ajbmeb-502	43	32	release	release	VERB
ajbmeb-502	43	33	the	the	DET
ajbmeb-502	43	34	expected	expect	VERB
ajbmeb-502	43	35	funds	fund	NOUN
ajbmeb-502	43	36	,	,	PUNCT
ajbmeb-502	43	37	or	or	CCONJ
ajbmeb-502	43	38	they	they	PRON
ajbmeb-502	43	39	have	have	AUX
ajbmeb-502	43	40	been	be	AUX
ajbmeb-502	43	41	the	the	DET
ajbmeb-502	43	42	victims	victim	NOUN
ajbmeb-502	43	43	of	of	ADP
ajbmeb-502	43	44	internet	internet	NOUN
ajbmeb-502	43	45	fraud	fraud	NOUN
ajbmeb-502	43	46	.	.	PUNCT
ajbmeb-502	44	1	aim	aim	NOUN
ajbmeb-502	44	2	and	and	CCONJ
ajbmeb-502	44	3	objectives	objective	NOUN
ajbmeb-502	44	4	of	of	ADP
ajbmeb-502	44	5	the	the	DET
ajbmeb-502	44	6	study	study	NOUN
ajbmeb-502	44	7	the	the	DET
ajbmeb-502	44	8	study	study	NOUN
ajbmeb-502	44	9	’s	’s	PART
ajbmeb-502	44	10	aim	aim	NOUN
ajbmeb-502	44	11	is	be	AUX
ajbmeb-502	44	12	to	to	PART
ajbmeb-502	44	13	empirically	empirically	ADV
ajbmeb-502	44	14	investigate	investigate	VERB
ajbmeb-502	44	15	the	the	DET
ajbmeb-502	44	16	relationship	relationship	NOUN
ajbmeb-502	44	17	between	between	ADP
ajbmeb-502	44	18	electronic	electronic	ADJ
ajbmeb-502	44	19	service	service	NOUN
ajbmeb-502	44	20	delivery	delivery	NOUN
ajbmeb-502	44	21	and	and	CCONJ
ajbmeb-502	44	22	consumers	consumer	NOUN
ajbmeb-502	44	23	attitude	attitude	NOUN
ajbmeb-502	44	24	of	of	ADP
ajbmeb-502	44	25	money	money	NOUN
ajbmeb-502	44	26	deposit	deposit	NOUN
ajbmeb-502	44	27	banks	bank	NOUN
ajbmeb-502	44	28	in	in	ADP
ajbmeb-502	44	29	yenagoa	yenagoa	PROPN
ajbmeb-502	44	30	,	,	PUNCT
ajbmeb-502	44	31	bayelsa	bayelsa	NOUN
ajbmeb-502	44	32	state	state	NOUN
ajbmeb-502	44	33	.	.	PUNCT
ajbmeb-502	45	1	specifically	specifically	ADV
ajbmeb-502	45	2	,	,	PUNCT
ajbmeb-502	45	3	the	the	DET
ajbmeb-502	45	4	objectives	objective	NOUN
ajbmeb-502	45	5	are	be	AUX
ajbmeb-502	45	6	to	to	PART
ajbmeb-502	45	7	;	;	PUNCT
ajbmeb-502	45	8	i.	i.	NOUN
ajbmeb-502	45	9	investigate	investigate	VERB
ajbmeb-502	45	10	empirically	empirically	ADV
ajbmeb-502	45	11	the	the	DET
ajbmeb-502	45	12	relationship	relationship	NOUN
ajbmeb-502	45	13	between	between	ADP
ajbmeb-502	45	14	mobile	mobile	ADJ
ajbmeb-502	45	15	apps	app	NOUN
ajbmeb-502	45	16	and	and	CCONJ
ajbmeb-502	45	17	customer	customer	NOUN
ajbmeb-502	45	18	attitude	attitude	NOUN
ajbmeb-502	45	19	of	of	ADP
ajbmeb-502	45	20	money	money	NOUN
ajbmeb-502	45	21	deposit	deposit	NOUN
ajbmeb-502	45	22	banks	bank	NOUN
ajbmeb-502	45	23	in	in	ADP
ajbmeb-502	45	24	yenagoa	yenagoa	PROPN
ajbmeb-502	45	25	,	,	PUNCT
ajbmeb-502	45	26	bayelsa	bayelsa	NOUN
ajbmeb-502	45	27	state	state	PROPN
ajbmeb-502	45	28	.	.	PUNCT
ajbmeb-502	46	1	ii	ii	PROPN
ajbmeb-502	46	2	.	.	PROPN
ajbmeb-502	46	3	determine	determine	VERB
ajbmeb-502	46	4	the	the	DET
ajbmeb-502	46	5	empirical	empirical	ADJ
ajbmeb-502	46	6	relationship	relationship	NOUN
ajbmeb-502	46	7	between	between	ADP
ajbmeb-502	46	8	point	point	NOUN
ajbmeb-502	46	9	of	of	ADP
ajbmeb-502	46	10	sale	sale	NOUN
ajbmeb-502	46	11	and	and	CCONJ
ajbmeb-502	46	12	customer	customer	NOUN
ajbmeb-502	46	13	switch	switch	NOUN
ajbmeb-502	46	14	of	of	ADP
ajbmeb-502	46	15	money	money	NOUN
ajbmeb-502	46	16	deposit	deposit	NOUN
ajbmeb-502	46	17	banks	bank	NOUN
ajbmeb-502	46	18	in	in	ADP
ajbmeb-502	46	19	yenagoa	yenagoa	PROPN
ajbmeb-502	46	20	,	,	PUNCT
ajbmeb-502	46	21	bayelsa	bayelsa	NOUN
ajbmeb-502	46	22	state	state	NOUN
ajbmeb-502	46	23	.	.	PUNCT
ajbmeb-502	47	1	research	research	NOUN
ajbmeb-502	47	2	hypotheses	hypothese	VERB
ajbmeb-502	47	3	the	the	DET
ajbmeb-502	47	4	research	research	NOUN
ajbmeb-502	47	5	hypotheses	hypothesis	NOUN
ajbmeb-502	47	6	formulated	formulate	VERB
ajbmeb-502	47	7	for	for	ADP
ajbmeb-502	47	8	the	the	DET
ajbmeb-502	47	9	study	study	NOUN
ajbmeb-502	47	10	are	be	AUX
ajbmeb-502	47	11	;	;	PUNCT
ajbmeb-502	47	12	h01	h01	NOUN
ajbmeb-502	47	13	:	:	PUNCT
ajbmeb-502	47	14	there	there	PRON
ajbmeb-502	47	15	is	be	VERB
ajbmeb-502	47	16	no	no	DET
ajbmeb-502	47	17	significant	significant	ADJ
ajbmeb-502	47	18	relationship	relationship	NOUN
ajbmeb-502	47	19	between	between	ADP
ajbmeb-502	47	20	mobile	mobile	ADJ
ajbmeb-502	47	21	apps	app	NOUN
ajbmeb-502	47	22	and	and	CCONJ
ajbmeb-502	47	23	customer	customer	NOUN
ajbmeb-502	47	24	switch	switch	NOUN
ajbmeb-502	47	25	of	of	ADP
ajbmeb-502	47	26	money	money	NOUN
ajbmeb-502	47	27	deposit	deposit	NOUN
ajbmeb-502	47	28	banks	bank	NOUN
ajbmeb-502	47	29	in	in	ADP
ajbmeb-502	47	30	yenagoa	yenagoa	PROPN
ajbmeb-502	47	31	,	,	PUNCT
ajbmeb-502	47	32	bayelsa	bayelsa	NOUN
ajbmeb-502	47	33	state	state	NOUN
ajbmeb-502	47	34	.	.	PUNCT
ajbmeb-502	48	1	h02	h02	PROPN
ajbmeb-502	48	2	:	:	PUNCT
ajbmeb-502	48	3	there	there	PRON
ajbmeb-502	48	4	is	be	VERB
ajbmeb-502	48	5	no	no	DET
ajbmeb-502	48	6	significant	significant	ADJ
ajbmeb-502	48	7	relationship	relationship	NOUN
ajbmeb-502	48	8	between	between	ADP
ajbmeb-502	48	9	mobile	mobile	ADJ
ajbmeb-502	48	10	apps	app	NOUN
ajbmeb-502	48	11	and	and	CCONJ
ajbmeb-502	48	12	word	word	NOUN
ajbmeb-502	48	13	of	of	ADP
ajbmeb-502	48	14	mouth	mouth	NOUN
ajbmeb-502	48	15	of	of	ADP
ajbmeb-502	48	16	money	money	NOUN
ajbmeb-502	48	17	deposit	deposit	NOUN
ajbmeb-502	48	18	banks	bank	NOUN
ajbmeb-502	48	19	in	in	ADP
ajbmeb-502	48	20	yenagoa	yenagoa	PROPN
ajbmeb-502	48	21	,	,	PUNCT
ajbmeb-502	48	22	bayelsa	bayelsa	NOUN
ajbmeb-502	48	23	state	state	NOUN
ajbmeb-502	48	24	.	.	PUNCT
ajbmeb-502	49	1	h03	h03	NOUN
ajbmeb-502	49	2	:	:	PUNCT
ajbmeb-502	49	3	there	there	PRON
ajbmeb-502	49	4	is	be	VERB
ajbmeb-502	49	5	no	no	DET
ajbmeb-502	49	6	significant	significant	ADJ
ajbmeb-502	49	7	relationship	relationship	NOUN
ajbmeb-502	49	8	between	between	ADP
ajbmeb-502	49	9	point	point	NOUN
ajbmeb-502	49	10	of	of	ADP
ajbmeb-502	49	11	sale	sale	NOUN
ajbmeb-502	49	12	and	and	CCONJ
ajbmeb-502	49	13	customer	customer	NOUN
ajbmeb-502	49	14	switch	switch	NOUN
ajbmeb-502	49	15	of	of	ADP
ajbmeb-502	49	16	money	money	NOUN
ajbmeb-502	49	17	deposit	deposit	NOUN
ajbmeb-502	49	18	banks	bank	NOUN
ajbmeb-502	49	19	in	in	ADP
ajbmeb-502	49	20	yenagoa	yenagoa	PROPN
ajbmeb-502	49	21	,	,	PUNCT
ajbmeb-502	49	22	bayelsa	bayelsa	NOUN
ajbmeb-502	49	23	state	state	NOUN
ajbmeb-502	49	24	.	.	PUNCT
ajbmeb-502	50	1	h04	h04	PROPN
ajbmeb-502	50	2	:	:	PUNCT
ajbmeb-502	50	3	there	there	PRON
ajbmeb-502	50	4	is	be	VERB
ajbmeb-502	50	5	no	no	DET
ajbmeb-502	50	6	significant	significant	ADJ
ajbmeb-502	50	7	relationship	relationship	NOUN
ajbmeb-502	50	8	between	between	ADP
ajbmeb-502	50	9	point	point	NOUN
ajbmeb-502	50	10	of	of	ADP
ajbmeb-502	50	11	sale	sale	NOUN
ajbmeb-502	50	12	and	and	CCONJ
ajbmeb-502	50	13	word	word	NOUN
ajbmeb-502	50	14	of	of	ADP
ajbmeb-502	50	15	mouth	mouth	NOUN
ajbmeb-502	50	16	of	of	ADP
ajbmeb-502	50	17	money	money	NOUN
ajbmeb-502	50	18	deposit	deposit	NOUN
ajbmeb-502	50	19	banks	bank	NOUN
ajbmeb-502	50	20	in	in	ADP
ajbmeb-502	50	21	yenagoa	yenagoa	PROPN
ajbmeb-502	50	22	,	,	PUNCT
ajbmeb-502	50	23	bayelsa	bayelsa	NOUN
ajbmeb-502	50	24	state	state	NOUN
ajbmeb-502	50	25	.	.	PUNCT
ajbmeb-502	51	1	operational	operational	ADJ
ajbmeb-502	51	2	framework	framework	NOUN
ajbmeb-502	51	3	fig	fig	NOUN
ajbmeb-502	51	4	.	.	PUNCT
ajbmeb-502	52	1	1.1	1.1	NUM
ajbmeb-502	52	2	operational	operational	ADJ
ajbmeb-502	52	3	framework	framework	NOUN
ajbmeb-502	52	4	of	of	ADP
ajbmeb-502	52	5	electronic	electronic	ADJ
ajbmeb-502	52	6	service	service	NOUN
ajbmeb-502	52	7	delivery	delivery	NOUN
ajbmeb-502	52	8	and	and	CCONJ
ajbmeb-502	52	9	customer	customer	NOUN
ajbmeb-502	52	10	attitude	attitude	NOUN
ajbmeb-502	52	11	source	source	NOUN
ajbmeb-502	52	12	:	:	PUNCT
ajbmeb-502	52	13	adebayo	adebayo	PROPN
ajbmeb-502	52	14	,	,	PUNCT
ajbmeb-502	52	15	osanyinlusi	osanyinlusi	PROPN
ajbmeb-502	52	16	,	,	PUNCT
ajbmeb-502	52	17	&	&	CCONJ
ajbmeb-502	52	18	adekeye	adekeye	PROPN
ajbmeb-502	52	19	,	,	PUNCT
ajbmeb-502	52	20	(	(	PUNCT
ajbmeb-502	52	21	2017	2017	NUM
ajbmeb-502	52	22	)	)	PUNCT
ajbmeb-502	52	23	.	.	PUNCT
ajbmeb-502	53	1	review	review	NOUN
ajbmeb-502	53	2	of	of	ADP
ajbmeb-502	53	3	related	related	ADJ
ajbmeb-502	53	4	literature	literature	PROPN
ajbmeb-502	53	5	theoretical	theoretical	ADJ
ajbmeb-502	53	6	foundation	foundation	NOUN
ajbmeb-502	53	7	:	:	PUNCT
ajbmeb-502	53	8	technology	technology	NOUN
ajbmeb-502	53	9	acceptance	acceptance	NOUN
ajbmeb-502	53	10	model	model	NOUN
ajbmeb-502	53	11	(	(	PUNCT
ajbmeb-502	53	12	davies	davy	NOUN
ajbmeb-502	53	13	1989	1989	NUM
ajbmeb-502	53	14	)	)	PUNCT
ajbmeb-502	53	15	or	or	CCONJ
ajbmeb-502	53	16	tam	tam	VERB
ajbmeb-502	53	17	as	as	SCONJ
ajbmeb-502	53	18	it	it	PRON
ajbmeb-502	53	19	is	be	AUX
ajbmeb-502	53	20	commonly	commonly	ADV
ajbmeb-502	53	21	known	know	VERB
ajbmeb-502	53	22	,	,	PUNCT
ajbmeb-502	53	23	was	be	AUX
ajbmeb-502	53	24	adapted	adapt	VERB
ajbmeb-502	53	25	from	from	ADP
ajbmeb-502	53	26	the	the	DET
ajbmeb-502	53	27	theory	theory	NOUN
ajbmeb-502	53	28	of	of	ADP
ajbmeb-502	53	29	reasoned	reason	VERB
ajbmeb-502	53	30	action	action	NOUN
ajbmeb-502	53	31	(	(	PUNCT
ajbmeb-502	53	32	fishbein	fishbein	PROPN
ajbmeb-502	53	33	&	&	CCONJ
ajbmeb-502	53	34	ajzen	ajzen	NOUN
ajbmeb-502	53	35	,	,	PUNCT
ajbmeb-502	53	36	1975	1975	NUM
ajbmeb-502	53	37	)	)	PUNCT
ajbmeb-502	53	38	and	and	CCONJ
ajbmeb-502	53	39	theory	theory	NOUN
ajbmeb-502	53	40	of	of	ADP
ajbmeb-502	53	41	mobile	mobile	ADJ
ajbmeb-502	53	42	apps	app	NOUN
ajbmeb-502	53	43	customer	customer	NOUN
ajbmeb-502	53	44	switch	switch	VERB
ajbmeb-502	53	45	customer	customer	NOUN
ajbmeb-502	53	46	attitude	attitude	NOUN
ajbmeb-502	53	47	point	point	NOUN
ajbmeb-502	53	48	of	of	ADP
ajbmeb-502	53	49	sale	sale	NOUN
ajbmeb-502	53	50	electronic	electronic	ADJ
ajbmeb-502	53	51	service	service	NOUN
ajbmeb-502	53	52	delivery	delivery	NOUN
ajbmeb-502	53	53	word	word	NOUN
ajbmeb-502	53	54	of	of	ADP
ajbmeb-502	53	55	mouth	mouth	NOUN
ajbmeb-502	53	56	american	american	PROPN
ajbmeb-502	53	57	journal	journal	PROPN
ajbmeb-502	53	58	of	of	ADP
ajbmeb-502	53	59	business	business	NOUN
ajbmeb-502	53	60	management	management	NOUN
ajbmeb-502	53	61	,	,	PUNCT
ajbmeb-502	53	62	economics	economic	NOUN
ajbmeb-502	53	63	and	and	CCONJ
ajbmeb-502	53	64	banking	banking	NOUN
ajbmeb-502	53	65	volume	volume	NOUN
ajbmeb-502	53	66	10	10	NUM
ajbmeb-502	53	67	march	march	NOUN
ajbmeb-502	53	68	,	,	PUNCT
ajbmeb-502	53	69	2023	2023	NUM
ajbmeb-502	53	70	p	p	NOUN
ajbmeb-502	54	1	a	a	DET
ajbmeb-502	54	2	g	g	NOUN
ajbmeb-502	54	3	e	e	NOUN
ajbmeb-502	54	4	|	|	ADV
ajbmeb-502	54	5	99	99	NUM
ajbmeb-502	54	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	54	7	planned	plan	VERB
ajbmeb-502	54	8	behavior	behavior	NOUN
ajbmeb-502	54	9	(	(	PUNCT
ajbmeb-502	54	10	ajzen	ajzen	NOUN
ajbmeb-502	54	11	,	,	PUNCT
ajbmeb-502	54	12	1985	1985	NUM
ajbmeb-502	54	13	;	;	PUNCT
ajbmeb-502	54	14	ajzen	ajzen	NOUN
ajbmeb-502	54	15	,	,	PUNCT
ajbmeb-502	54	16	1991	1991	NUM
ajbmeb-502	54	17	)	)	PUNCT
ajbmeb-502	54	18	.	.	PUNCT
ajbmeb-502	55	1	tam	tam	PROPN
ajbmeb-502	55	2	proposes	propose	VERB
ajbmeb-502	55	3	specifically	specifically	ADV
ajbmeb-502	55	4	to	to	PART
ajbmeb-502	55	5	explain	explain	VERB
ajbmeb-502	55	6	the	the	DET
ajbmeb-502	55	7	determinants	determinant	NOUN
ajbmeb-502	55	8	of	of	ADP
ajbmeb-502	55	9	information	information	NOUN
ajbmeb-502	55	10	technology	technology	NOUN
ajbmeb-502	55	11	end	end	NOUN
ajbmeb-502	55	12	user	user	NOUN
ajbmeb-502	55	13	’s	’s	PART
ajbmeb-502	55	14	behavior	behavior	NOUN
ajbmeb-502	55	15	towards	towards	ADP
ajbmeb-502	55	16	information	information	NOUN
ajbmeb-502	55	17	technology	technology	NOUN
ajbmeb-502	55	18	(	(	PUNCT
ajbmeb-502	55	19	saade	saade	PROPN
ajbmeb-502	55	20	,	,	PUNCT
ajbmeb-502	55	21	nebebe	nebebe	PROPN
ajbmeb-502	55	22	&	&	CCONJ
ajbmeb-502	55	23	tan	tan	PROPN
ajbmeb-502	55	24	,	,	PUNCT
ajbmeb-502	55	25	2007	2007	NUM
ajbmeb-502	55	26	)	)	PUNCT
ajbmeb-502	55	27	.	.	PUNCT
ajbmeb-502	56	1	in	in	ADP
ajbmeb-502	56	2	tam	tam	PROPN
ajbmeb-502	56	3	,	,	PUNCT
ajbmeb-502	56	4	davis	davis	PROPN
ajbmeb-502	56	5	(	(	PUNCT
ajbmeb-502	56	6	1989	1989	NUM
ajbmeb-502	56	7	)	)	PUNCT
ajbmeb-502	56	8	proposes	propose	VERB
ajbmeb-502	56	9	that	that	SCONJ
ajbmeb-502	56	10	the	the	DET
ajbmeb-502	56	11	influence	influence	NOUN
ajbmeb-502	56	12	of	of	ADP
ajbmeb-502	56	13	external	external	ADJ
ajbmeb-502	56	14	variables	variable	NOUN
ajbmeb-502	56	15	on	on	ADP
ajbmeb-502	56	16	intention	intention	NOUN
ajbmeb-502	56	17	is	be	AUX
ajbmeb-502	56	18	mediated	mediate	VERB
ajbmeb-502	56	19	by	by	ADP
ajbmeb-502	56	20	perceived	perceive	VERB
ajbmeb-502	56	21	ease	ease	NOUN
ajbmeb-502	56	22	of	of	ADP
ajbmeb-502	56	23	use	use	NOUN
ajbmeb-502	56	24	(	(	PUNCT
ajbmeb-502	56	25	peu	peu	NOUN
ajbmeb-502	56	26	)	)	PUNCT
ajbmeb-502	56	27	and	and	CCONJ
ajbmeb-502	56	28	perceived	perceive	VERB
ajbmeb-502	56	29	usefulness	usefulness	NOUN
ajbmeb-502	56	30	(	(	PUNCT
ajbmeb-502	56	31	pu	pu	PROPN
ajbmeb-502	56	32	)	)	PUNCT
ajbmeb-502	56	33	.	.	PUNCT
ajbmeb-502	57	1	tam	tam	PROPN
ajbmeb-502	57	2	also	also	ADV
ajbmeb-502	57	3	suggests	suggest	VERB
ajbmeb-502	57	4	that	that	SCONJ
ajbmeb-502	57	5	intention	intention	NOUN
ajbmeb-502	57	6	is	be	AUX
ajbmeb-502	57	7	directly	directly	ADV
ajbmeb-502	57	8	related	relate	VERB
ajbmeb-502	57	9	to	to	ADP
ajbmeb-502	57	10	actual	actual	ADJ
ajbmeb-502	57	11	usage	usage	NOUN
ajbmeb-502	57	12	behavior	behavior	NOUN
ajbmeb-502	57	13	(	(	PUNCT
ajbmeb-502	57	14	davis	davis	PROPN
ajbmeb-502	57	15	,	,	PUNCT
ajbmeb-502	57	16	bagozzi	bagozzi	NOUN
ajbmeb-502	57	17	&	&	CCONJ
ajbmeb-502	57	18	warshaw	warshaw	PROPN
ajbmeb-502	57	19	,	,	PUNCT
ajbmeb-502	57	20	1989	1989	NUM
ajbmeb-502	57	21	)	)	PUNCT
ajbmeb-502	57	22	.	.	PUNCT
ajbmeb-502	58	1	findings	finding	NOUN
ajbmeb-502	58	2	that	that	PRON
ajbmeb-502	58	3	support	support	VERB
ajbmeb-502	58	4	the	the	DET
ajbmeb-502	58	5	tam	tam	NOUN
ajbmeb-502	58	6	model	model	NOUN
ajbmeb-502	58	7	n	n	PART
ajbmeb-502	58	8	are	be	AUX
ajbmeb-502	58	9	numerous	numerous	ADJ
ajbmeb-502	58	10	(	(	PUNCT
ajbmeb-502	58	11	fusilier	fusilier	NOUN
ajbmeb-502	58	12	and	and	CCONJ
ajbmeb-502	58	13	durlabhji	durlabhji	NOUN
ajbmeb-502	58	14	,	,	PUNCT
ajbmeb-502	58	15	2005	2005	NUM
ajbmeb-502	58	16	)	)	PUNCT
ajbmeb-502	58	17	.	.	PUNCT
ajbmeb-502	59	1	the	the	DET
ajbmeb-502	59	2	tra	tra	PROPN
ajbmeb-502	59	3	beliefs	belief	NOUN
ajbmeb-502	59	4	were	be	AUX
ajbmeb-502	59	5	replaced	replace	VERB
ajbmeb-502	59	6	in	in	ADP
ajbmeb-502	59	7	the	the	DET
ajbmeb-502	59	8	tam	tam	NOUN
ajbmeb-502	59	9	by	by	ADP
ajbmeb-502	59	10	perceived	perceive	VERB
ajbmeb-502	59	11	usefulness	usefulness	NOUN
ajbmeb-502	59	12	(	(	PUNCT
ajbmeb-502	59	13	pu	pu	PROPN
ajbmeb-502	59	14	)	)	PUNCT
ajbmeb-502	59	15	and	and	CCONJ
ajbmeb-502	59	16	perceived	perceive	VERB
ajbmeb-502	59	17	ease	ease	NOUN
ajbmeb-502	59	18	of	of	ADP
ajbmeb-502	59	19	use	use	NOUN
ajbmeb-502	59	20	(	(	PUNCT
ajbmeb-502	59	21	peou	peou	ADV
ajbmeb-502	59	22	)	)	PUNCT
ajbmeb-502	59	23	.	.	PUNCT
ajbmeb-502	60	1	according	accord	VERB
ajbmeb-502	60	2	to	to	ADP
ajbmeb-502	60	3	davis	davis	PROPN
ajbmeb-502	60	4	(	(	PUNCT
ajbmeb-502	60	5	1989	1989	NUM
ajbmeb-502	60	6	)	)	PUNCT
ajbmeb-502	60	7	,	,	PUNCT
ajbmeb-502	60	8	the	the	DET
ajbmeb-502	60	9	user	user	NOUN
ajbmeb-502	60	10	’s	’s	PART
ajbmeb-502	60	11	attitude	attitude	NOUN
ajbmeb-502	60	12	towards	towards	ADP
ajbmeb-502	60	13	acceptance	acceptance	NOUN
ajbmeb-502	60	14	of	of	ADP
ajbmeb-502	60	15	a	a	DET
ajbmeb-502	60	16	new	new	ADJ
ajbmeb-502	60	17	system	system	NOUN
ajbmeb-502	60	18	is	be	AUX
ajbmeb-502	60	19	important	important	ADJ
ajbmeb-502	60	20	for	for	ADP
ajbmeb-502	60	21	the	the	DET
ajbmeb-502	60	22	successful	successful	ADJ
ajbmeb-502	60	23	adoption	adoption	NOUN
ajbmeb-502	60	24	of	of	ADP
ajbmeb-502	60	25	any	any	DET
ajbmeb-502	60	26	information	information	NOUN
ajbmeb-502	60	27	system	system	NOUN
ajbmeb-502	60	28	.	.	PUNCT
ajbmeb-502	61	1	to	to	PART
ajbmeb-502	61	2	be	be	AUX
ajbmeb-502	61	3	clear	clear	ADJ
ajbmeb-502	61	4	,	,	PUNCT
ajbmeb-502	61	5	the	the	DET
ajbmeb-502	61	6	quality	quality	NOUN
ajbmeb-502	61	7	and	and	CCONJ
ajbmeb-502	61	8	effectiveness	effectiveness	NOUN
ajbmeb-502	61	9	of	of	ADP
ajbmeb-502	61	10	a	a	DET
ajbmeb-502	61	11	system	system	NOUN
ajbmeb-502	61	12	can	can	AUX
ajbmeb-502	61	13	only	only	ADV
ajbmeb-502	61	14	be	be	AUX
ajbmeb-502	61	15	validated	validate	VERB
ajbmeb-502	61	16	with	with	ADP
ajbmeb-502	61	17	its	its	PRON
ajbmeb-502	61	18	level	level	NOUN
ajbmeb-502	61	19	of	of	ADP
ajbmeb-502	61	20	users	user	NOUN
ajbmeb-502	61	21	’	'	PUNCT
ajbmeb-502	61	22	acceptance	acceptance	NOUN
ajbmeb-502	61	23	.	.	PUNCT
ajbmeb-502	62	1	it	it	PRON
ajbmeb-502	62	2	is	be	AUX
ajbmeb-502	62	3	no	no	DET
ajbmeb-502	62	4	wonder	wonder	NOUN
ajbmeb-502	62	5	that	that	SCONJ
ajbmeb-502	62	6	tam	tam	NOUN
ajbmeb-502	62	7	,	,	PUNCT
ajbmeb-502	62	8	including	include	VERB
ajbmeb-502	62	9	its	its	PRON
ajbmeb-502	62	10	extended	extended	ADJ
ajbmeb-502	62	11	version	version	NOUN
ajbmeb-502	62	12	,	,	PUNCT
ajbmeb-502	62	13	has	have	AUX
ajbmeb-502	62	14	been	be	AUX
ajbmeb-502	62	15	extensively	extensively	ADV
ajbmeb-502	62	16	used	use	VERB
ajbmeb-502	62	17	by	by	ADP
ajbmeb-502	62	18	scholars	scholar	NOUN
ajbmeb-502	62	19	in	in	ADP
ajbmeb-502	62	20	understanding	understand	VERB
ajbmeb-502	62	21	the	the	DET
ajbmeb-502	62	22	success	success	NOUN
ajbmeb-502	62	23	factors	factor	NOUN
ajbmeb-502	62	24	behind	behind	ADP
ajbmeb-502	62	25	the	the	DET
ajbmeb-502	62	26	adoption	adoption	NOUN
ajbmeb-502	62	27	of	of	ADP
ajbmeb-502	62	28	mobile	mobile	ADJ
ajbmeb-502	62	29	financial	financial	ADJ
ajbmeb-502	62	30	services	service	NOUN
ajbmeb-502	62	31	(	(	PUNCT
ajbmeb-502	62	32	mfs	mfs	PROPN
ajbmeb-502	62	33	)	)	PUNCT
ajbmeb-502	62	34	such	such	ADJ
ajbmeb-502	62	35	as	as	ADP
ajbmeb-502	62	36	pos	pos	NOUN
ajbmeb-502	62	37	(	(	PUNCT
ajbmeb-502	62	38	osakwe	osakwe	PROPN
ajbmeb-502	62	39	&	&	CCONJ
ajbmeb-502	62	40	okeke	okeke	ADJ
ajbmeb-502	62	41	,	,	PUNCT
ajbmeb-502	62	42	2016	2016	NUM
ajbmeb-502	62	43	;	;	PUNCT
ajbmeb-502	62	44	chauhan	chauhan	PROPN
ajbmeb-502	62	45	,	,	PUNCT
ajbmeb-502	62	46	2015	2015	NUM
ajbmeb-502	62	47	;	;	PUNCT
ajbmeb-502	62	48	dass	dass	PROPN
ajbmeb-502	62	49	&	&	CCONJ
ajbmeb-502	62	50	pal	pal	NOUN
ajbmeb-502	62	51	,	,	PUNCT
ajbmeb-502	62	52	2011	2011	NUM
ajbmeb-502	62	53	;	;	PUNCT
ajbmeb-502	62	54	tobbin	tobbin	NOUN
ajbmeb-502	62	55	,	,	PUNCT
ajbmeb-502	62	56	2010	2010	NUM
ajbmeb-502	62	57	)	)	PUNCT
ajbmeb-502	62	58	.	.	PUNCT
ajbmeb-502	63	1	electronic	electronic	ADJ
ajbmeb-502	63	2	service	service	NOUN
ajbmeb-502	63	3	delivery	delivery	NOUN
ajbmeb-502	63	4	electronic	electronic	ADJ
ajbmeb-502	63	5	service	service	NOUN
ajbmeb-502	63	6	is	be	AUX
ajbmeb-502	63	7	provided	provide	VERB
ajbmeb-502	63	8	via	via	ADP
ajbmeb-502	63	9	a	a	DET
ajbmeb-502	63	10	mobile	mobile	ADJ
ajbmeb-502	63	11	phone	phone	NOUN
ajbmeb-502	63	12	,	,	PUNCT
ajbmeb-502	63	13	internet	internet	NOUN
ajbmeb-502	63	14	,	,	PUNCT
ajbmeb-502	63	15	and	and	CCONJ
ajbmeb-502	63	16	self	self	NOUN
ajbmeb-502	63	17	service	service	NOUN
ajbmeb-502	63	18	centers	center	NOUN
ajbmeb-502	63	19	,	,	PUNCT
ajbmeb-502	63	20	electronic	electronic	ADJ
ajbmeb-502	63	21	service	service	NOUN
ajbmeb-502	63	22	includes	include	VERB
ajbmeb-502	63	23	several	several	ADJ
ajbmeb-502	63	24	elements	element	NOUN
ajbmeb-502	63	25	,	,	PUNCT
ajbmeb-502	63	26	which	which	PRON
ajbmeb-502	63	27	are	be	AUX
ajbmeb-502	63	28	electronic	electronic	ADJ
ajbmeb-502	63	29	retail	retail	NOUN
ajbmeb-502	63	30	,	,	PUNCT
ajbmeb-502	63	31	customer	customer	NOUN
ajbmeb-502	63	32	support	support	NOUN
ajbmeb-502	63	33	;	;	PUNCT
ajbmeb-502	63	34	service	service	NOUN
ajbmeb-502	63	35	itself	itself	PRON
ajbmeb-502	63	36	,	,	PUNCT
ajbmeb-502	63	37	and	and	CCONJ
ajbmeb-502	63	38	service	service	NOUN
ajbmeb-502	63	39	delivery	delivery	NOUN
ajbmeb-502	63	40	(	(	PUNCT
ajbmeb-502	63	41	akinyele	akinyele	PROPN
ajbmeb-502	63	42	&	&	CCONJ
ajbmeb-502	63	43	olorunleke	olorunleke	PROPN
ajbmeb-502	63	44	,	,	PUNCT
ajbmeb-502	63	45	2010	2010	NUM
ajbmeb-502	63	46	)	)	PUNCT
ajbmeb-502	63	47	.	.	PUNCT
ajbmeb-502	64	1	the	the	DET
ajbmeb-502	64	2	importance	importance	NOUN
ajbmeb-502	64	3	of	of	ADP
ajbmeb-502	64	4	electronic	electronic	ADJ
ajbmeb-502	64	5	service	service	NOUN
ajbmeb-502	64	6	as	as	ADP
ajbmeb-502	64	7	strong	strong	ADJ
ajbmeb-502	64	8	source	source	NOUN
ajbmeb-502	64	9	of	of	ADP
ajbmeb-502	64	10	competitive	competitive	ADJ
ajbmeb-502	64	11	differentiation	differentiation	NOUN
ajbmeb-502	64	12	through	through	ADP
ajbmeb-502	64	13	customer	customer	NOUN
ajbmeb-502	64	14	involved	involve	VERB
ajbmeb-502	64	15	in	in	ADP
ajbmeb-502	64	16	product	product	NOUN
ajbmeb-502	64	17	development	development	NOUN
ajbmeb-502	64	18	process	process	NOUN
ajbmeb-502	64	19	through	through	ADP
ajbmeb-502	64	20	quick	quick	ADJ
ajbmeb-502	64	21	feedback	feedback	NOUN
ajbmeb-502	64	22	and	and	CCONJ
ajbmeb-502	64	23	enhance	enhance	VERB
ajbmeb-502	64	24	customer	customer	NOUN
ajbmeb-502	64	25	relationships	relationship	NOUN
ajbmeb-502	64	26	,	,	PUNCT
ajbmeb-502	64	27	in	in	ADP
ajbmeb-502	64	28	addition	addition	NOUN
ajbmeb-502	64	29	to	to	ADP
ajbmeb-502	64	30	the	the	DET
ajbmeb-502	64	31	e	e	NOUN
ajbmeb-502	64	32	-	-	NOUN
ajbmeb-502	64	33	service	service	ADJ
ajbmeb-502	64	34	help	help	NOUN
ajbmeb-502	64	35	get	get	VERB
ajbmeb-502	64	36	services	service	NOUN
ajbmeb-502	64	37	at	at	ADP
ajbmeb-502	64	38	lower	low	ADJ
ajbmeb-502	64	39	cost	cost	NOUN
ajbmeb-502	64	40	,	,	PUNCT
ajbmeb-502	64	41	as	as	SCONJ
ajbmeb-502	64	42	it	it	PRON
ajbmeb-502	64	43	achieve	achieve	VERB
ajbmeb-502	64	44	excellence	excellence	NOUN
ajbmeb-502	64	45	in	in	ADP
ajbmeb-502	64	46	quality	quality	NOUN
ajbmeb-502	64	47	(	(	PUNCT
ajbmeb-502	64	48	deruyter	deruyter	PROPN
ajbmeb-502	64	49	et	et	PROPN
ajbmeb-502	64	50	al	al	PROPN
ajbmeb-502	64	51	.	.	PROPN
ajbmeb-502	64	52	,	,	PUNCT
ajbmeb-502	64	53	2001	2001	NUM
ajbmeb-502	64	54	)	)	PUNCT
ajbmeb-502	64	55	.	.	PUNCT
ajbmeb-502	65	1	electronic	electronic	ADJ
ajbmeb-502	65	2	service	service	NOUN
ajbmeb-502	65	3	delivery	delivery	NOUN
ajbmeb-502	65	4	enables	enable	VERB
ajbmeb-502	65	5	companies	company	NOUN
ajbmeb-502	65	6	to	to	PART
ajbmeb-502	65	7	exceed	exceed	VERB
ajbmeb-502	65	8	the	the	DET
ajbmeb-502	65	9	expectations	expectation	NOUN
ajbmeb-502	65	10	of	of	ADP
ajbmeb-502	65	11	customers	customer	NOUN
ajbmeb-502	65	12	,	,	PUNCT
ajbmeb-502	65	13	and	and	CCONJ
ajbmeb-502	65	14	go	go	VERB
ajbmeb-502	65	15	beyond	beyond	ADP
ajbmeb-502	65	16	traditional	traditional	ADJ
ajbmeb-502	65	17	consumer	consumer	NOUN
ajbmeb-502	65	18	service	service	NOUN
ajbmeb-502	65	19	,	,	PUNCT
ajbmeb-502	65	20	which	which	PRON
ajbmeb-502	65	21	helps	help	VERB
ajbmeb-502	65	22	these	these	DET
ajbmeb-502	65	23	companies	company	NOUN
ajbmeb-502	65	24	to	to	PART
ajbmeb-502	65	25	invest	invest	VERB
ajbmeb-502	65	26	for	for	ADP
ajbmeb-502	65	27	the	the	DET
ajbmeb-502	65	28	long	long	ADJ
ajbmeb-502	65	29	term	term	NOUN
ajbmeb-502	65	30	by	by	ADP
ajbmeb-502	65	31	promoting	promote	VERB
ajbmeb-502	65	32	the	the	DET
ajbmeb-502	65	33	growth	growth	NOUN
ajbmeb-502	65	34	of	of	ADP
ajbmeb-502	65	35	customers	customer	NOUN
ajbmeb-502	65	36	,	,	PUNCT
ajbmeb-502	65	37	and	and	CCONJ
ajbmeb-502	65	38	keep	keep	VERB
ajbmeb-502	65	39	customers	customer	NOUN
ajbmeb-502	65	40	in	in	ADP
ajbmeb-502	65	41	case	case	NOUN
ajbmeb-502	65	42	of	of	ADP
ajbmeb-502	65	43	company	company	NOUN
ajbmeb-502	65	44	loyalty	loyalty	NOUN
ajbmeb-502	65	45	.	.	PUNCT
ajbmeb-502	66	1	as	as	ADP
ajbmeb-502	66	2	a	a	DET
ajbmeb-502	66	3	result	result	NOUN
ajbmeb-502	66	4	,	,	PUNCT
ajbmeb-502	66	5	the	the	DET
ajbmeb-502	66	6	uses	use	NOUN
ajbmeb-502	66	7	of	of	ADP
ajbmeb-502	66	8	technology	technology	NOUN
ajbmeb-502	66	9	in	in	ADP
ajbmeb-502	66	10	customer	customer	NOUN
ajbmeb-502	66	11	service	service	NOUN
ajbmeb-502	66	12	are	be	AUX
ajbmeb-502	66	13	important	important	ADJ
ajbmeb-502	66	14	for	for	ADP
ajbmeb-502	66	15	access	access	NOUN
ajbmeb-502	66	16	to	to	ADP
ajbmeb-502	66	17	the	the	DET
ajbmeb-502	66	18	most	most	ADV
ajbmeb-502	66	19	basic	basic	ADJ
ajbmeb-502	66	20	survival	survival	NOUN
ajbmeb-502	66	21	goals	goal	NOUN
ajbmeb-502	66	22	of	of	ADP
ajbmeb-502	66	23	organization	organization	NOUN
ajbmeb-502	66	24	(	(	PUNCT
ajbmeb-502	66	25	mahmood	mahmood	PROPN
ajbmeb-502	66	26	,	,	PUNCT
ajbmeb-502	66	27	&	&	CCONJ
ajbmeb-502	66	28	hanafi	hanafi	PROPN
ajbmeb-502	66	29	,	,	PUNCT
ajbmeb-502	66	30	2013	2013	NUM
ajbmeb-502	66	31	)	)	PUNCT
ajbmeb-502	66	32	.	.	PUNCT
ajbmeb-502	67	1	electronic	electronic	ADJ
ajbmeb-502	67	2	service	service	NOUN
ajbmeb-502	67	3	delivery	delivery	NOUN
ajbmeb-502	67	4	is	be	AUX
ajbmeb-502	67	5	a	a	DET
ajbmeb-502	67	6	self	self	NOUN
ajbmeb-502	67	7	-	-	PUNCT
ajbmeb-502	67	8	service	service	NOUN
ajbmeb-502	67	9	(	(	PUNCT
ajbmeb-502	67	10	li	li	PROPN
ajbmeb-502	67	11	,	,	PUNCT
ajbmeb-502	67	12	&	&	CCONJ
ajbmeb-502	67	13	suomi,2009	suomi,2009	PROPN
ajbmeb-502	67	14	)	)	PUNCT
ajbmeb-502	67	15	instead	instead	ADV
ajbmeb-502	67	16	of	of	ADP
ajbmeb-502	67	17	access	access	NOUN
ajbmeb-502	67	18	to	to	ADP
ajbmeb-502	67	19	service	service	NOUN
ajbmeb-502	67	20	by	by	ADP
ajbmeb-502	67	21	speaking	speak	VERB
ajbmeb-502	67	22	to	to	ADP
ajbmeb-502	67	23	an	an	DET
ajbmeb-502	67	24	employee	employee	NOUN
ajbmeb-502	67	25	over	over	ADP
ajbmeb-502	67	26	the	the	DET
ajbmeb-502	67	27	phone	phone	NOUN
ajbmeb-502	67	28	or	or	CCONJ
ajbmeb-502	67	29	from	from	ADP
ajbmeb-502	67	30	behind	behind	ADP
ajbmeb-502	67	31	the	the	DET
ajbmeb-502	67	32	desk	desk	NOUN
ajbmeb-502	67	33	,	,	PUNCT
ajbmeb-502	67	34	the	the	DET
ajbmeb-502	67	35	service	service	NOUN
ajbmeb-502	67	36	is	be	AUX
ajbmeb-502	67	37	obtained	obtain	VERB
ajbmeb-502	67	38	through	through	ADP
ajbmeb-502	67	39	mechanical	mechanical	ADJ
ajbmeb-502	67	40	interaction	interaction	NOUN
ajbmeb-502	67	41	and	and	CCONJ
ajbmeb-502	67	42	mutual	mutual	ADJ
ajbmeb-502	67	43	between	between	ADP
ajbmeb-502	67	44	the	the	DET
ajbmeb-502	67	45	applicant	applicant	NOUN
ajbmeb-502	67	46	and	and	CCONJ
ajbmeb-502	67	47	machine	machine	NOUN
ajbmeb-502	67	48	and	and	CCONJ
ajbmeb-502	67	49	noticed	notice	VERB
ajbmeb-502	67	50	that	that	SCONJ
ajbmeb-502	67	51	there	there	PRON
ajbmeb-502	67	52	are	be	VERB
ajbmeb-502	67	53	some	some	DET
ajbmeb-502	67	54	challenges	challenge	NOUN
ajbmeb-502	67	55	to	to	ADP
ajbmeb-502	67	56	electronic	electronic	ADJ
ajbmeb-502	67	57	service	service	NOUN
ajbmeb-502	67	58	providers	provider	NOUN
ajbmeb-502	67	59	since	since	SCONJ
ajbmeb-502	67	60	there	there	PRON
ajbmeb-502	67	61	is	be	VERB
ajbmeb-502	67	62	no	no	DET
ajbmeb-502	67	63	direct	direct	ADJ
ajbmeb-502	67	64	contact	contact	NOUN
ajbmeb-502	67	65	between	between	ADP
ajbmeb-502	67	66	staff	staff	NOUN
ajbmeb-502	67	67	and	and	CCONJ
ajbmeb-502	67	68	customers	customer	NOUN
ajbmeb-502	67	69	,	,	PUNCT
ajbmeb-502	67	70	and	and	CCONJ
ajbmeb-502	67	71	consequently	consequently	ADV
ajbmeb-502	67	72	,	,	PUNCT
ajbmeb-502	67	73	the	the	DET
ajbmeb-502	67	74	website	website	NOUN
ajbmeb-502	67	75	became	become	VERB
ajbmeb-502	67	76	the	the	DET
ajbmeb-502	67	77	basis	basis	NOUN
ajbmeb-502	67	78	for	for	ADP
ajbmeb-502	67	79	interaction	interaction	NOUN
ajbmeb-502	67	80	between	between	ADP
ajbmeb-502	67	81	customers	customer	NOUN
ajbmeb-502	67	82	and	and	CCONJ
ajbmeb-502	67	83	organizations	organization	NOUN
ajbmeb-502	67	84	(	(	PUNCT
ajbmeb-502	67	85	fadeleh	fadeleh	NOUN
ajbmeb-502	67	86	,	,	PUNCT
ajbmeb-502	67	87	2010	2010	NUM
ajbmeb-502	67	88	)	)	PUNCT
ajbmeb-502	67	89	electronic	electronic	ADJ
ajbmeb-502	67	90	service	service	NOUN
ajbmeb-502	67	91	must	must	AUX
ajbmeb-502	67	92	therefore	therefore	ADV
ajbmeb-502	67	93	meet	meet	VERB
ajbmeb-502	67	94	customer	customer	NOUN
ajbmeb-502	67	95	's	's	PART
ajbmeb-502	67	96	desires	desire	NOUN
ajbmeb-502	67	97	,	,	PUNCT
ajbmeb-502	67	98	and	and	CCONJ
ajbmeb-502	67	99	to	to	PART
ajbmeb-502	67	100	be	be	AUX
ajbmeb-502	67	101	more	more	ADV
ajbmeb-502	67	102	responsive	responsive	ADJ
ajbmeb-502	67	103	to	to	ADP
ajbmeb-502	67	104	his	his	PRON
ajbmeb-502	67	105	expectations	expectation	NOUN
ajbmeb-502	67	106	(	(	PUNCT
ajbmeb-502	67	107	al	al	PROPN
ajbmeb-502	67	108	-	-	PUNCT
ajbmeb-502	67	109	alaq	alaq	NOUN
ajbmeb-502	67	110	,	,	PUNCT
ajbmeb-502	67	111	2004	2004	NUM
ajbmeb-502	67	112	)	)	PUNCT
ajbmeb-502	67	113	.	.	PUNCT
ajbmeb-502	68	1	mobile	mobile	ADJ
ajbmeb-502	68	2	apps	app	NOUN
ajbmeb-502	68	3	:	:	PUNCT
ajbmeb-502	68	4	software	software	NOUN
ajbmeb-502	68	5	programs	program	NOUN
ajbmeb-502	68	6	that	that	PRON
ajbmeb-502	68	7	run	run	VERB
ajbmeb-502	68	8	on	on	ADP
ajbmeb-502	68	9	typically	typically	ADV
ajbmeb-502	68	10	small	small	ADJ
ajbmeb-502	68	11	and	and	CCONJ
ajbmeb-502	68	12	portable	portable	ADJ
ajbmeb-502	68	13	devices	device	NOUN
ajbmeb-502	68	14	are	be	AUX
ajbmeb-502	68	15	known	know	VERB
ajbmeb-502	68	16	as	as	ADP
ajbmeb-502	68	17	mobile	mobile	ADJ
ajbmeb-502	68	18	apps	app	NOUN
ajbmeb-502	68	19	(	(	PUNCT
ajbmeb-502	68	20	zamfiroiu	zamfiroiu	PROPN
ajbmeb-502	68	21	,	,	PUNCT
ajbmeb-502	68	22	2014	2014	NUM
ajbmeb-502	68	23	)	)	PUNCT
ajbmeb-502	68	24	.	.	PUNCT
ajbmeb-502	69	1	these	these	DET
ajbmeb-502	69	2	applications	application	NOUN
ajbmeb-502	69	3	can	can	AUX
ajbmeb-502	69	4	be	be	AUX
ajbmeb-502	69	5	downloaded	download	VERB
ajbmeb-502	69	6	or	or	CCONJ
ajbmeb-502	69	7	installed	instal	VERB
ajbmeb-502	69	8	on	on	ADP
ajbmeb-502	69	9	the	the	DET
ajbmeb-502	69	10	devices	device	NOUN
ajbmeb-502	69	11	.	.	PUNCT
ajbmeb-502	70	1	by	by	ADP
ajbmeb-502	70	2	2016	2016	NUM
ajbmeb-502	70	3	,	,	PUNCT
ajbmeb-502	70	4	the	the	DET
ajbmeb-502	70	5	global	global	ADJ
ajbmeb-502	70	6	market	market	NOUN
ajbmeb-502	70	7	for	for	ADP
ajbmeb-502	70	8	mobile	mobile	ADJ
ajbmeb-502	70	9	apps	app	NOUN
ajbmeb-502	70	10	is	be	AUX
ajbmeb-502	70	11	expected	expect	VERB
ajbmeb-502	70	12	to	to	PART
ajbmeb-502	70	13	reach	reach	VERB
ajbmeb-502	70	14	$	$	SYM
ajbmeb-502	70	15	52	52	NUM
ajbmeb-502	70	16	billion	billion	NUM
ajbmeb-502	70	17	.	.	PUNCT
ajbmeb-502	71	1	applications	application	NOUN
ajbmeb-502	71	2	for	for	ADP
ajbmeb-502	71	3	ios	io	NOUN
ajbmeb-502	71	4	devices	device	NOUN
ajbmeb-502	71	5	are	be	AUX
ajbmeb-502	71	6	available	available	ADJ
ajbmeb-502	71	7	from	from	ADP
ajbmeb-502	71	8	an	an	DET
ajbmeb-502	71	9	app	app	NOUN
ajbmeb-502	71	10	store	store	NOUN
ajbmeb-502	71	11	,	,	PUNCT
ajbmeb-502	71	12	and	and	CCONJ
ajbmeb-502	71	13	those	those	PRON
ajbmeb-502	71	14	for	for	ADP
ajbmeb-502	71	15	android	android	PROPN
ajbmeb-502	71	16	devices	device	NOUN
ajbmeb-502	71	17	are	be	AUX
ajbmeb-502	71	18	available	available	ADJ
ajbmeb-502	71	19	from	from	ADP
ajbmeb-502	71	20	google	google	PROPN
ajbmeb-502	71	21	play	play	NOUN
ajbmeb-502	71	22	,	,	PUNCT
ajbmeb-502	71	23	which	which	PRON
ajbmeb-502	71	24	was	be	AUX
ajbmeb-502	71	25	previously	previously	ADV
ajbmeb-502	71	26	known	know	VERB
ajbmeb-502	71	27	as	as	ADP
ajbmeb-502	71	28	android	android	PROPN
ajbmeb-502	71	29	market	market	NOUN
ajbmeb-502	71	30	.	.	PUNCT
ajbmeb-502	72	1	applications	application	NOUN
ajbmeb-502	72	2	for	for	ADP
ajbmeb-502	72	3	smartphones	smartphone	NOUN
ajbmeb-502	72	4	have	have	AUX
ajbmeb-502	72	5	recently	recently	ADV
ajbmeb-502	72	6	emerged	emerge	VERB
ajbmeb-502	72	7	as	as	ADP
ajbmeb-502	72	8	a	a	DET
ajbmeb-502	72	9	market	market	NOUN
ajbmeb-502	72	10	for	for	ADP
ajbmeb-502	72	11	business	business	NOUN
ajbmeb-502	72	12	-	-	PUNCT
ajbmeb-502	72	13	to	to	ADP
ajbmeb-502	72	14	-	-	PUNCT
ajbmeb-502	72	15	consumer	consumer	NOUN
ajbmeb-502	72	16	communications	communication	NOUN
ajbmeb-502	72	17	that	that	PRON
ajbmeb-502	72	18	is	be	AUX
ajbmeb-502	72	19	expanding	expand	VERB
ajbmeb-502	72	20	rapidly	rapidly	ADV
ajbmeb-502	72	21	.	.	PUNCT
ajbmeb-502	73	1	smartphone	smartphone	NOUN
ajbmeb-502	73	2	sales	sale	NOUN
ajbmeb-502	73	3	have	have	AUX
ajbmeb-502	73	4	already	already	ADV
ajbmeb-502	73	5	surpassed	surpass	VERB
ajbmeb-502	73	6	desktop	desktop	NOUN
ajbmeb-502	73	7	and	and	CCONJ
ajbmeb-502	73	8	notebook	notebook	NOUN
ajbmeb-502	73	9	pc	pc	NOUN
ajbmeb-502	73	10	sales	sale	NOUN
ajbmeb-502	73	11	in	in	ADP
ajbmeb-502	73	12	terms	term	NOUN
ajbmeb-502	73	13	of	of	ADP
ajbmeb-502	73	14	annual	annual	ADJ
ajbmeb-502	73	15	volume	volume	NOUN
ajbmeb-502	73	16	;	;	PUNCT
ajbmeb-502	73	17	smartphone	smartphone	NOUN
ajbmeb-502	73	18	sales	sale	NOUN
ajbmeb-502	73	19	are	be	AUX
ajbmeb-502	73	20	predicted	predict	VERB
ajbmeb-502	73	21	to	to	PART
ajbmeb-502	73	22	continue	continue	VERB
ajbmeb-502	73	23	growing	grow	VERB
ajbmeb-502	73	24	in	in	ADP
ajbmeb-502	73	25	the	the	DET
ajbmeb-502	73	26	future	future	NOUN
ajbmeb-502	73	27	.	.	PUNCT
ajbmeb-502	74	1	for	for	ADP
ajbmeb-502	74	2	branding	branding	NOUN
ajbmeb-502	74	3	purposes	purpose	NOUN
ajbmeb-502	74	4	or	or	CCONJ
ajbmeb-502	74	5	to	to	PART
ajbmeb-502	74	6	make	make	VERB
ajbmeb-502	74	7	their	their	PRON
ajbmeb-502	74	8	services	service	NOUN
ajbmeb-502	74	9	available	available	ADJ
ajbmeb-502	74	10	on	on	ADP
ajbmeb-502	74	11	a	a	DET
ajbmeb-502	74	12	mobile	mobile	ADJ
ajbmeb-502	74	13	platform	platform	NOUN
ajbmeb-502	74	14	as	as	ADV
ajbmeb-502	74	15	well	well	ADV
ajbmeb-502	74	16	,	,	PUNCT
ajbmeb-502	74	17	numerous	numerous	ADJ
ajbmeb-502	74	18	large	large	ADJ
ajbmeb-502	74	19	corporations	corporation	NOUN
ajbmeb-502	74	20	have	have	VERB
ajbmeb-502	74	21	their	their	PRON
ajbmeb-502	74	22	own	own	ADJ
ajbmeb-502	74	23	applications	application	NOUN
ajbmeb-502	74	24	.	.	PUNCT
ajbmeb-502	75	1	it	it	PRON
ajbmeb-502	75	2	's	be	AUX
ajbmeb-502	75	3	hard	hard	ADJ
ajbmeb-502	75	4	to	to	PART
ajbmeb-502	75	5	stand	stand	VERB
ajbmeb-502	75	6	out	out	ADP
ajbmeb-502	75	7	among	among	ADP
ajbmeb-502	75	8	the	the	DET
ajbmeb-502	75	9	nearly	nearly	ADV
ajbmeb-502	75	10	one	one	NUM
ajbmeb-502	75	11	million	million	NUM
ajbmeb-502	75	12	apps	app	NOUN
ajbmeb-502	75	13	in	in	ADP
ajbmeb-502	75	14	the	the	DET
ajbmeb-502	75	15	ios	ios	NOUN
ajbmeb-502	75	16	appstore	appstore	NOUN
ajbmeb-502	75	17	and	and	CCONJ
ajbmeb-502	75	18	the	the	DET
ajbmeb-502	75	19	roughly	roughly	ADV
ajbmeb-502	75	20	700,000	700,000	NUM
ajbmeb-502	75	21	apps	app	NOUN
ajbmeb-502	75	22	in	in	ADP
ajbmeb-502	75	23	american	american	ADJ
ajbmeb-502	75	24	journal	journal	PROPN
ajbmeb-502	75	25	of	of	ADP
ajbmeb-502	75	26	business	business	NOUN
ajbmeb-502	75	27	management	management	NOUN
ajbmeb-502	75	28	,	,	PUNCT
ajbmeb-502	75	29	economics	economic	NOUN
ajbmeb-502	75	30	and	and	CCONJ
ajbmeb-502	75	31	banking	banking	NOUN
ajbmeb-502	75	32	volume	volume	NOUN
ajbmeb-502	75	33	10	10	NUM
ajbmeb-502	75	34	march	march	NOUN
ajbmeb-502	75	35	,	,	PUNCT
ajbmeb-502	75	36	2023	2023	NUM
ajbmeb-502	75	37	p	p	NOUN
ajbmeb-502	75	38	a	a	DET
ajbmeb-502	75	39	g	g	NOUN
ajbmeb-502	75	40	e	e	NOUN
ajbmeb-502	75	41	|	|	ADV
ajbmeb-502	75	42	100	100	NUM
ajbmeb-502	75	43	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	75	44	google	google	NOUN
ajbmeb-502	75	45	play	play	NOUN
ajbmeb-502	75	46	.	.	PUNCT
ajbmeb-502	76	1	the	the	DET
ajbmeb-502	76	2	majority	majority	NOUN
ajbmeb-502	76	3	of	of	ADP
ajbmeb-502	76	4	users	user	NOUN
ajbmeb-502	76	5	do	do	AUX
ajbmeb-502	76	6	not	not	PART
ajbmeb-502	76	7	actively	actively	ADV
ajbmeb-502	76	8	search	search	VERB
ajbmeb-502	76	9	for	for	ADP
ajbmeb-502	76	10	apps	app	NOUN
ajbmeb-502	76	11	,	,	PUNCT
ajbmeb-502	76	12	making	make	VERB
ajbmeb-502	76	13	it	it	PRON
ajbmeb-502	76	14	even	even	ADV
ajbmeb-502	76	15	more	more	ADV
ajbmeb-502	76	16	difficult	difficult	ADJ
ajbmeb-502	76	17	to	to	PART
ajbmeb-502	76	18	retain	retain	VERB
ajbmeb-502	76	19	them	they	PRON
ajbmeb-502	76	20	.	.	PUNCT
ajbmeb-502	77	1	point	point	NOUN
ajbmeb-502	77	2	of	of	ADP
ajbmeb-502	77	3	sale	sale	NOUN
ajbmeb-502	77	4	:	:	PUNCT
ajbmeb-502	77	5	most	most	ADV
ajbmeb-502	77	6	often	often	ADV
ajbmeb-502	77	7	,	,	PUNCT
ajbmeb-502	77	8	the	the	DET
ajbmeb-502	77	9	in	in	ADP
ajbmeb-502	77	10	-	-	PUNCT
ajbmeb-502	77	11	store	store	NOUN
ajbmeb-502	77	12	systems	system	NOUN
ajbmeb-502	77	13	where	where	SCONJ
ajbmeb-502	77	14	customers	customer	NOUN
ajbmeb-502	77	15	pay	pay	VERB
ajbmeb-502	77	16	merchants	merchant	NOUN
ajbmeb-502	77	17	for	for	ADP
ajbmeb-502	77	18	goods	good	NOUN
ajbmeb-502	77	19	and	and	CCONJ
ajbmeb-502	77	20	services	service	NOUN
ajbmeb-502	77	21	are	be	AUX
ajbmeb-502	77	22	referred	refer	VERB
ajbmeb-502	77	23	to	to	ADP
ajbmeb-502	77	24	as	as	ADP
ajbmeb-502	77	25	pos	pos	NOUN
ajbmeb-502	77	26	devices	device	NOUN
ajbmeb-502	77	27	.	.	PUNCT
ajbmeb-502	78	1	according	accord	VERB
ajbmeb-502	78	2	to	to	ADP
ajbmeb-502	78	3	akintola	akintola	PROPN
ajbmeb-502	78	4	,	,	PUNCT
ajbmeb-502	78	5	akinyede	akinyede	NOUN
ajbmeb-502	78	6	,	,	PUNCT
ajbmeb-502	78	7	and	and	CCONJ
ajbmeb-502	78	8	agbonifo	agbonifo	PROPN
ajbmeb-502	78	9	(	(	PUNCT
ajbmeb-502	78	10	2011	2011	NUM
ajbmeb-502	78	11	)	)	PUNCT
ajbmeb-502	78	12	,	,	PUNCT
ajbmeb-502	78	13	a	a	DET
ajbmeb-502	78	14	pos	pos	NOUN
ajbmeb-502	78	15	is	be	AUX
ajbmeb-502	78	16	an	an	DET
ajbmeb-502	78	17	electronic	electronic	ADJ
ajbmeb-502	78	18	device	device	NOUN
ajbmeb-502	78	19	that	that	PRON
ajbmeb-502	78	20	can	can	AUX
ajbmeb-502	78	21	process	process	VERB
ajbmeb-502	78	22	credit	credit	NOUN
ajbmeb-502	78	23	and	and	CCONJ
ajbmeb-502	78	24	debit	debit	NOUN
ajbmeb-502	78	25	cards	card	NOUN
ajbmeb-502	78	26	,	,	PUNCT
ajbmeb-502	78	27	which	which	PRON
ajbmeb-502	78	28	are	be	AUX
ajbmeb-502	78	29	typically	typically	ADV
ajbmeb-502	78	30	issued	issue	VERB
ajbmeb-502	78	31	by	by	ADP
ajbmeb-502	78	32	banks	bank	NOUN
ajbmeb-502	78	33	.	.	PUNCT
ajbmeb-502	79	1	the	the	DET
ajbmeb-502	79	2	merchant	merchant	NOUN
ajbmeb-502	79	3	is	be	AUX
ajbmeb-502	79	4	able	able	ADJ
ajbmeb-502	79	5	to	to	PART
ajbmeb-502	79	6	collect	collect	VERB
ajbmeb-502	79	7	cards	card	NOUN
ajbmeb-502	79	8	as	as	ADP
ajbmeb-502	79	9	a	a	DET
ajbmeb-502	79	10	means	means	NOUN
ajbmeb-502	79	11	of	of	ADP
ajbmeb-502	79	12	payment	payment	NOUN
ajbmeb-502	79	13	for	for	ADP
ajbmeb-502	79	14	their	their	PRON
ajbmeb-502	79	15	goods	good	NOUN
ajbmeb-502	79	16	or	or	CCONJ
ajbmeb-502	79	17	services	service	NOUN
ajbmeb-502	79	18	thanks	thank	NOUN
ajbmeb-502	79	19	to	to	ADP
ajbmeb-502	79	20	the	the	DET
ajbmeb-502	79	21	deployment	deployment	NOUN
ajbmeb-502	79	22	of	of	ADP
ajbmeb-502	79	23	these	these	DET
ajbmeb-502	79	24	devices	device	NOUN
ajbmeb-502	79	25	at	at	ADP
ajbmeb-502	79	26	retail	retail	ADJ
ajbmeb-502	79	27	establishments	establishment	NOUN
ajbmeb-502	79	28	.	.	PUNCT
ajbmeb-502	80	1	a	a	DET
ajbmeb-502	80	2	point	point	NOUN
ajbmeb-502	80	3	-	-	PUNCT
ajbmeb-502	80	4	of	of	ADP
ajbmeb-502	80	5	-	-	PUNCT
ajbmeb-502	80	6	sale	sale	NOUN
ajbmeb-502	80	7	(	(	PUNCT
ajbmeb-502	80	8	pos	pos	NOUN
ajbmeb-502	80	9	)	)	PUNCT
ajbmeb-502	80	10	terminal	terminal	NOUN
ajbmeb-502	80	11	is	be	AUX
ajbmeb-502	80	12	a	a	DET
ajbmeb-502	80	13	computerized	computerized	ADJ
ajbmeb-502	80	14	alternative	alternative	NOUN
ajbmeb-502	80	15	to	to	ADP
ajbmeb-502	80	16	a	a	DET
ajbmeb-502	80	17	cash	cash	NOUN
ajbmeb-502	80	18	register	register	NOUN
ajbmeb-502	80	19	.	.	PUNCT
ajbmeb-502	81	1	the	the	DET
ajbmeb-502	81	2	ability	ability	NOUN
ajbmeb-502	81	3	to	to	PART
ajbmeb-502	81	4	record	record	VERB
ajbmeb-502	81	5	and	and	CCONJ
ajbmeb-502	81	6	track	track	VERB
ajbmeb-502	81	7	customer	customer	NOUN
ajbmeb-502	81	8	orders	order	NOUN
ajbmeb-502	81	9	,	,	PUNCT
ajbmeb-502	81	10	process	process	NOUN
ajbmeb-502	81	11	credit	credit	NOUN
ajbmeb-502	81	12	and	and	CCONJ
ajbmeb-502	81	13	debit	debit	NOUN
ajbmeb-502	81	14	cards	card	NOUN
ajbmeb-502	81	15	,	,	PUNCT
ajbmeb-502	81	16	connect	connect	VERB
ajbmeb-502	81	17	to	to	ADP
ajbmeb-502	81	18	other	other	ADJ
ajbmeb-502	81	19	systems	system	NOUN
ajbmeb-502	81	20	in	in	ADP
ajbmeb-502	81	21	a	a	DET
ajbmeb-502	81	22	network	network	NOUN
ajbmeb-502	81	23	,	,	PUNCT
ajbmeb-502	81	24	and	and	CCONJ
ajbmeb-502	81	25	manage	manage	VERB
ajbmeb-502	81	26	inventory	inventory	NOUN
ajbmeb-502	81	27	are	be	AUX
ajbmeb-502	81	28	all	all	PRON
ajbmeb-502	81	29	features	feature	NOUN
ajbmeb-502	81	30	of	of	ADP
ajbmeb-502	81	31	the	the	DET
ajbmeb-502	81	32	pos	pos	NOUN
ajbmeb-502	81	33	system	system	NOUN
ajbmeb-502	81	34	,	,	PUNCT
ajbmeb-502	81	35	which	which	PRON
ajbmeb-502	81	36	is	be	AUX
ajbmeb-502	81	37	significantly	significantly	ADV
ajbmeb-502	81	38	more	more	ADV
ajbmeb-502	81	39	complex	complex	ADJ
ajbmeb-502	81	40	than	than	ADP
ajbmeb-502	81	41	even	even	ADV
ajbmeb-502	81	42	the	the	DET
ajbmeb-502	81	43	cash	cash	NOUN
ajbmeb-502	81	44	registers	register	NOUN
ajbmeb-502	81	45	of	of	ADP
ajbmeb-502	81	46	just	just	ADV
ajbmeb-502	81	47	a	a	DET
ajbmeb-502	81	48	few	few	ADJ
ajbmeb-502	81	49	years	year	NOUN
ajbmeb-502	81	50	ago	ago	ADV
ajbmeb-502	81	51	.	.	PUNCT
ajbmeb-502	82	1	customer	customer	NOUN
ajbmeb-502	82	2	attitude	attitude	NOUN
ajbmeb-502	82	3	an	an	DET
ajbmeb-502	82	4	attitude	attitude	NOUN
ajbmeb-502	82	5	is	be	AUX
ajbmeb-502	82	6	a	a	DET
ajbmeb-502	82	7	metal	metal	NOUN
ajbmeb-502	82	8	and	and	CCONJ
ajbmeb-502	82	9	neural	neural	ADJ
ajbmeb-502	82	10	state	state	NOUN
ajbmeb-502	82	11	of	of	ADP
ajbmeb-502	82	12	readiness	readiness	NOUN
ajbmeb-502	82	13	that	that	PRON
ajbmeb-502	82	14	exerts	exert	VERB
ajbmeb-502	82	15	a	a	DET
ajbmeb-502	82	16	directive	directive	NOUN
ajbmeb-502	82	17	or	or	CCONJ
ajbmeb-502	82	18	dynamic	dynamic	ADJ
ajbmeb-502	82	19	influence	influence	NOUN
ajbmeb-502	82	20	upon	upon	SCONJ
ajbmeb-502	82	21	the	the	DET
ajbmeb-502	82	22	individual	individual	NOUN
ajbmeb-502	82	23	's	's	PART
ajbmeb-502	82	24	response	response	NOUN
ajbmeb-502	82	25	to	to	ADP
ajbmeb-502	82	26	all	all	DET
ajbmeb-502	82	27	objects	object	NOUN
ajbmeb-502	82	28	and	and	CCONJ
ajbmeb-502	82	29	situations	situation	NOUN
ajbmeb-502	82	30	with	with	ADP
ajbmeb-502	82	31	which	which	PRON
ajbmeb-502	82	32	it	it	PRON
ajbmeb-502	82	33	is	be	AUX
ajbmeb-502	82	34	related	relate	VERB
ajbmeb-502	82	35	.	.	PUNCT
ajbmeb-502	82	36	"	"	PUNCT
ajbmeb-502	83	1	this	this	DET
ajbmeb-502	83	2	state	state	NOUN
ajbmeb-502	83	3	of	of	ADP
ajbmeb-502	83	4	readiness	readiness	NOUN
ajbmeb-502	83	5	is	be	AUX
ajbmeb-502	83	6	organized	organize	VERB
ajbmeb-502	83	7	through	through	ADP
ajbmeb-502	83	8	experience	experience	NOUN
ajbmeb-502	83	9	.	.	PUNCT
ajbmeb-502	84	1	to	to	PART
ajbmeb-502	84	2	put	put	VERB
ajbmeb-502	84	3	it	it	PRON
ajbmeb-502	84	4	another	another	DET
ajbmeb-502	84	5	way	way	NOUN
ajbmeb-502	84	6	,	,	PUNCT
ajbmeb-502	84	7	how	how	SCONJ
ajbmeb-502	84	8	people	people	NOUN
ajbmeb-502	84	9	feel	feel	VERB
ajbmeb-502	84	10	about	about	ADP
ajbmeb-502	84	11	a	a	DET
ajbmeb-502	84	12	product	product	NOUN
ajbmeb-502	84	13	is	be	AUX
ajbmeb-502	84	14	a	a	DET
ajbmeb-502	84	15	good	good	ADJ
ajbmeb-502	84	16	indicator	indicator	NOUN
ajbmeb-502	84	17	of	of	ADP
ajbmeb-502	84	18	whether	whether	SCONJ
ajbmeb-502	84	19	or	or	CCONJ
ajbmeb-502	84	20	not	not	PART
ajbmeb-502	84	21	they	they	PRON
ajbmeb-502	84	22	are	be	AUX
ajbmeb-502	84	23	ready	ready	ADJ
ajbmeb-502	84	24	to	to	PART
ajbmeb-502	84	25	accept	accept	VERB
ajbmeb-502	84	26	and	and	CCONJ
ajbmeb-502	84	27	use	use	VERB
ajbmeb-502	84	28	it	it	PRON
ajbmeb-502	84	29	.	.	PUNCT
ajbmeb-502	85	1	the	the	DET
ajbmeb-502	85	2	definition	definition	NOUN
ajbmeb-502	85	3	of	of	ADP
ajbmeb-502	85	4	attitude	attitude	NOUN
ajbmeb-502	85	5	is	be	AUX
ajbmeb-502	85	6	the	the	DET
ajbmeb-502	85	7	evaluative	evaluative	ADJ
ajbmeb-502	85	8	influence	influence	NOUN
ajbmeb-502	85	9	of	of	ADP
ajbmeb-502	85	10	feelings	feeling	NOUN
ajbmeb-502	85	11	on	on	ADP
ajbmeb-502	85	12	people	people	NOUN
ajbmeb-502	85	13	when	when	SCONJ
ajbmeb-502	85	14	engaging	engage	VERB
ajbmeb-502	85	15	in	in	ADP
ajbmeb-502	85	16	a	a	DET
ajbmeb-502	85	17	particular	particular	ADJ
ajbmeb-502	85	18	behaviour	behaviour	NOUN
ajbmeb-502	85	19	(	(	PUNCT
ajbmeb-502	85	20	gopi	gopi	PROPN
ajbmeb-502	85	21	&	&	CCONJ
ajbmeb-502	85	22	ramayah	ramayah	PROPN
ajbmeb-502	85	23	,	,	PUNCT
ajbmeb-502	85	24	2007	2007	NUM
ajbmeb-502	85	25	)	)	PUNCT
ajbmeb-502	85	26	.	.	PUNCT
ajbmeb-502	86	1	the	the	DET
ajbmeb-502	86	2	evaluative	evaluative	ADJ
ajbmeb-502	86	3	impact	impact	NOUN
ajbmeb-502	86	4	of	of	ADP
ajbmeb-502	86	5	people	people	NOUN
ajbmeb-502	86	6	's	's	PART
ajbmeb-502	86	7	good	good	ADJ
ajbmeb-502	86	8	or	or	CCONJ
ajbmeb-502	86	9	negative	negative	ADJ
ajbmeb-502	86	10	feelings	feeling	NOUN
ajbmeb-502	86	11	when	when	SCONJ
ajbmeb-502	86	12	engaging	engage	VERB
ajbmeb-502	86	13	in	in	ADP
ajbmeb-502	86	14	a	a	DET
ajbmeb-502	86	15	specific	specific	ADJ
ajbmeb-502	86	16	behaviour	behaviour	NOUN
ajbmeb-502	86	17	is	be	AUX
ajbmeb-502	86	18	referred	refer	VERB
ajbmeb-502	86	19	to	to	ADP
ajbmeb-502	86	20	in	in	ADP
ajbmeb-502	86	21	the	the	DET
ajbmeb-502	86	22	tra	tra	NOUN
ajbmeb-502	86	23	as	as	ADP
ajbmeb-502	86	24	attitude	attitude	NOUN
ajbmeb-502	86	25	(	(	PUNCT
ajbmeb-502	86	26	fishbein	fishbein	PROPN
ajbmeb-502	86	27	&	&	CCONJ
ajbmeb-502	86	28	ajzen	ajzen	NOUN
ajbmeb-502	86	29	,	,	PUNCT
ajbmeb-502	86	30	1975	1975	NUM
ajbmeb-502	86	31	)	)	PUNCT
ajbmeb-502	86	32	.	.	PUNCT
ajbmeb-502	87	1	this	this	PRON
ajbmeb-502	87	2	indicates	indicate	VERB
ajbmeb-502	87	3	that	that	SCONJ
ajbmeb-502	87	4	environmental	environmental	ADJ
ajbmeb-502	87	5	stimuli	stimulus	NOUN
ajbmeb-502	87	6	,	,	PUNCT
ajbmeb-502	87	7	such	such	ADJ
ajbmeb-502	87	8	as	as	ADP
ajbmeb-502	87	9	the	the	DET
ajbmeb-502	87	10	products	product	NOUN
ajbmeb-502	87	11	consumers	consumer	NOUN
ajbmeb-502	87	12	are	be	AUX
ajbmeb-502	87	13	offered	offer	VERB
ajbmeb-502	87	14	and	and	CCONJ
ajbmeb-502	87	15	the	the	DET
ajbmeb-502	87	16	manner	manner	NOUN
ajbmeb-502	87	17	,	,	PUNCT
ajbmeb-502	87	18	in	in	ADP
ajbmeb-502	87	19	which	which	PRON
ajbmeb-502	87	20	they	they	PRON
ajbmeb-502	87	21	are	be	AUX
ajbmeb-502	87	22	communicated	communicate	VERB
ajbmeb-502	87	23	,	,	PUNCT
ajbmeb-502	87	24	influence	influence	NOUN
ajbmeb-502	87	25	attitudes	attitude	NOUN
ajbmeb-502	87	26	.	.	PUNCT
ajbmeb-502	88	1	according	accord	VERB
ajbmeb-502	88	2	to	to	ADP
ajbmeb-502	88	3	petty	petty	PROPN
ajbmeb-502	88	4	et	et	PROPN
ajbmeb-502	88	5	al	al	PROPN
ajbmeb-502	88	6	.	.	PUNCT
ajbmeb-502	89	1	(	(	PUNCT
ajbmeb-502	89	2	2007	2007	NUM
ajbmeb-502	89	3	)	)	PUNCT
ajbmeb-502	89	4	,	,	PUNCT
ajbmeb-502	89	5	an	an	DET
ajbmeb-502	89	6	attitude	attitude	NOUN
ajbmeb-502	89	7	is	be	AUX
ajbmeb-502	89	8	our	our	PRON
ajbmeb-502	89	9	thoughts	thought	NOUN
ajbmeb-502	89	10	,	,	PUNCT
ajbmeb-502	89	11	feelings	feeling	NOUN
ajbmeb-502	89	12	,	,	PUNCT
ajbmeb-502	89	13	and	and	CCONJ
ajbmeb-502	89	14	actions	action	NOUN
ajbmeb-502	89	15	regarding	regard	VERB
ajbmeb-502	89	16	a	a	DET
ajbmeb-502	89	17	product	product	NOUN
ajbmeb-502	89	18	,	,	PUNCT
ajbmeb-502	89	19	television	television	NOUN
ajbmeb-502	89	20	show	show	NOUN
ajbmeb-502	89	21	,	,	PUNCT
ajbmeb-502	89	22	or	or	CCONJ
ajbmeb-502	89	23	retail	retail	ADJ
ajbmeb-502	89	24	establishment	establishment	NOUN
ajbmeb-502	89	25	.	.	PUNCT
ajbmeb-502	90	1	influences	influence	NOUN
ajbmeb-502	90	2	can	can	AUX
ajbmeb-502	90	3	come	come	VERB
ajbmeb-502	90	4	from	from	ADP
ajbmeb-502	90	5	four	four	NUM
ajbmeb-502	90	6	main	main	ADJ
ajbmeb-502	90	7	sources	source	NOUN
ajbmeb-502	90	8	and	and	CCONJ
ajbmeb-502	90	9	attitudes	attitude	NOUN
ajbmeb-502	90	10	can	can	AUX
ajbmeb-502	90	11	be	be	AUX
ajbmeb-502	90	12	acquired	acquire	VERB
ajbmeb-502	90	13	or	or	CCONJ
ajbmeb-502	90	14	modified	modify	VERB
ajbmeb-502	90	15	in	in	ADP
ajbmeb-502	90	16	these	these	DET
ajbmeb-502	90	17	ways	way	NOUN
ajbmeb-502	90	18	:	:	PUNCT
ajbmeb-502	90	19	exposure	exposure	NOUN
ajbmeb-502	90	20	to	to	ADP
ajbmeb-502	90	21	information	information	NOUN
ajbmeb-502	90	22	,	,	PUNCT
ajbmeb-502	90	23	membership	membership	NOUN
ajbmeb-502	90	24	in	in	ADP
ajbmeb-502	90	25	a	a	DET
ajbmeb-502	90	26	group	group	NOUN
ajbmeb-502	90	27	,	,	PUNCT
ajbmeb-502	90	28	the	the	DET
ajbmeb-502	90	29	setting	setting	NOUN
ajbmeb-502	90	30	,	,	PUNCT
ajbmeb-502	90	31	and	and	CCONJ
ajbmeb-502	90	32	satisfaction	satisfaction	NOUN
ajbmeb-502	90	33	with	with	ADP
ajbmeb-502	90	34	a	a	DET
ajbmeb-502	90	35	desire	desire	NOUN
ajbmeb-502	90	36	a	a	DET
ajbmeb-502	90	37	customer	customer	NOUN
ajbmeb-502	90	38	's	's	PART
ajbmeb-502	90	39	attitude	attitude	NOUN
ajbmeb-502	90	40	toward	toward	ADP
ajbmeb-502	90	41	a	a	DET
ajbmeb-502	90	42	product	product	NOUN
ajbmeb-502	90	43	or	or	CCONJ
ajbmeb-502	90	44	service	service	NOUN
ajbmeb-502	90	45	is	be	AUX
ajbmeb-502	90	46	influenced	influence	VERB
ajbmeb-502	90	47	by	by	ADP
ajbmeb-502	90	48	the	the	DET
ajbmeb-502	90	49	customer	customer	NOUN
ajbmeb-502	90	50	's	's	PART
ajbmeb-502	90	51	self	self	NOUN
ajbmeb-502	90	52	-	-	PUNCT
ajbmeb-502	90	53	concept	concept	NOUN
ajbmeb-502	90	54	and	and	CCONJ
ajbmeb-502	90	55	the	the	DET
ajbmeb-502	90	56	product	product	NOUN
ajbmeb-502	90	57	or	or	CCONJ
ajbmeb-502	90	58	service	service	NOUN
ajbmeb-502	90	59	user	user	NOUN
ajbmeb-502	90	60	's	's	PART
ajbmeb-502	90	61	image	image	NOUN
ajbmeb-502	90	62	(	(	PUNCT
ajbmeb-502	90	63	ekinci	ekinci	PROPN
ajbmeb-502	90	64	&	&	CCONJ
ajbmeb-502	90	65	riley	riley	PROPN
ajbmeb-502	90	66	,	,	PUNCT
ajbmeb-502	90	67	2003	2003	NUM
ajbmeb-502	90	68	)	)	PUNCT
ajbmeb-502	90	69	consumer	consumer	NOUN
ajbmeb-502	90	70	switch	switch	NOUN
ajbmeb-502	90	71	:	:	PUNCT
ajbmeb-502	90	72	customer	customer	NOUN
ajbmeb-502	90	73	dissatisfaction	dissatisfaction	NOUN
ajbmeb-502	90	74	lowers	lower	VERB
ajbmeb-502	90	75	the	the	DET
ajbmeb-502	90	76	provider	provider	NOUN
ajbmeb-502	90	77	's	's	PART
ajbmeb-502	90	78	evaluation	evaluation	NOUN
ajbmeb-502	90	79	,	,	PUNCT
ajbmeb-502	90	80	which	which	PRON
ajbmeb-502	90	81	lowers	lower	VERB
ajbmeb-502	90	82	the	the	DET
ajbmeb-502	90	83	relative	relative	ADJ
ajbmeb-502	90	84	evaluation	evaluation	NOUN
ajbmeb-502	90	85	in	in	ADP
ajbmeb-502	90	86	favor	favor	NOUN
ajbmeb-502	90	87	of	of	ADP
ajbmeb-502	90	88	alternatives	alternative	NOUN
ajbmeb-502	90	89	and	and	CCONJ
ajbmeb-502	90	90	raises	raise	VERB
ajbmeb-502	90	91	the	the	DET
ajbmeb-502	90	92	likelihood	likelihood	NOUN
ajbmeb-502	90	93	of	of	ADP
ajbmeb-502	90	94	defection	defection	NOUN
ajbmeb-502	90	95	(	(	PUNCT
ajbmeb-502	90	96	oliver	oliver	ADV
ajbmeb-502	90	97	,	,	PUNCT
ajbmeb-502	90	98	2010	2010	NUM
ajbmeb-502	90	99	)	)	PUNCT
ajbmeb-502	90	100	.	.	PUNCT
ajbmeb-502	91	1	according	accord	VERB
ajbmeb-502	91	2	to	to	ADP
ajbmeb-502	91	3	piha	piha	NOUN
ajbmeb-502	91	4	and	and	CCONJ
ajbmeb-502	91	5	avlonitis	avlonitis	NOUN
ajbmeb-502	91	6	(	(	PUNCT
ajbmeb-502	91	7	2015	2015	NUM
ajbmeb-502	91	8	)	)	PUNCT
ajbmeb-502	91	9	,	,	PUNCT
ajbmeb-502	91	10	banks	bank	NOUN
ajbmeb-502	91	11	ought	ought	AUX
ajbmeb-502	91	12	to	to	PART
ajbmeb-502	91	13	concentrate	concentrate	VERB
ajbmeb-502	91	14	on	on	ADP
ajbmeb-502	91	15	minimizing	minimize	VERB
ajbmeb-502	91	16	customer	customer	NOUN
ajbmeb-502	91	17	dissatisfaction	dissatisfaction	NOUN
ajbmeb-502	91	18	and	and	CCONJ
ajbmeb-502	91	19	lack	lack	NOUN
ajbmeb-502	91	20	of	of	ADP
ajbmeb-502	91	21	commitment	commitment	NOUN
ajbmeb-502	91	22	due	due	ADP
ajbmeb-502	91	23	to	to	ADP
ajbmeb-502	91	24	their	their	PRON
ajbmeb-502	91	25	impact	impact	NOUN
ajbmeb-502	91	26	on	on	ADP
ajbmeb-502	91	27	customer	customer	NOUN
ajbmeb-502	91	28	abandonment	abandonment	NOUN
ajbmeb-502	91	29	.	.	PUNCT
ajbmeb-502	92	1	despite	despite	SCONJ
ajbmeb-502	92	2	the	the	DET
ajbmeb-502	92	3	fact	fact	NOUN
ajbmeb-502	92	4	that	that	SCONJ
ajbmeb-502	92	5	dissatisfaction	dissatisfaction	NOUN
ajbmeb-502	92	6	influences	influence	VERB
ajbmeb-502	92	7	customers	customer	NOUN
ajbmeb-502	92	8	'	'	PART
ajbmeb-502	92	9	decisions	decision	NOUN
ajbmeb-502	92	10	to	to	PART
ajbmeb-502	92	11	switch	switch	VERB
ajbmeb-502	92	12	banks	bank	NOUN
ajbmeb-502	92	13	,	,	PUNCT
ajbmeb-502	92	14	it	it	PRON
ajbmeb-502	92	15	is	be	AUX
ajbmeb-502	92	16	not	not	PART
ajbmeb-502	92	17	the	the	DET
ajbmeb-502	92	18	only	only	ADJ
ajbmeb-502	92	19	factor	factor	NOUN
ajbmeb-502	92	20	that	that	PRON
ajbmeb-502	92	21	leads	lead	VERB
ajbmeb-502	92	22	a	a	DET
ajbmeb-502	92	23	customer	customer	NOUN
ajbmeb-502	92	24	in	in	ADP
ajbmeb-502	92	25	the	the	DET
ajbmeb-502	92	26	banking	banking	NOUN
ajbmeb-502	92	27	industry	industry	NOUN
ajbmeb-502	92	28	to	to	PART
ajbmeb-502	92	29	switch	switch	VERB
ajbmeb-502	92	30	to	to	ADP
ajbmeb-502	92	31	a	a	DET
ajbmeb-502	92	32	competitor	competitor	NOUN
ajbmeb-502	92	33	.	.	PUNCT
ajbmeb-502	93	1	there	there	PRON
ajbmeb-502	93	2	are	be	VERB
ajbmeb-502	93	3	additional	additional	ADJ
ajbmeb-502	93	4	factors	factor	NOUN
ajbmeb-502	93	5	that	that	PRON
ajbmeb-502	93	6	will	will	AUX
ajbmeb-502	93	7	influence	influence	VERB
ajbmeb-502	93	8	this	this	DET
ajbmeb-502	93	9	choice	choice	NOUN
ajbmeb-502	93	10	.	.	PUNCT
ajbmeb-502	94	1	nevertheless	nevertheless	ADV
ajbmeb-502	94	2	,	,	PUNCT
ajbmeb-502	94	3	we	we	PRON
ajbmeb-502	94	4	suggest	suggest	VERB
ajbmeb-502	94	5	that	that	SCONJ
ajbmeb-502	94	6	customers	customer	NOUN
ajbmeb-502	94	7	are	be	AUX
ajbmeb-502	94	8	more	more	ADV
ajbmeb-502	94	9	likely	likely	ADJ
ajbmeb-502	94	10	to	to	PART
ajbmeb-502	94	11	leave	leave	VERB
ajbmeb-502	94	12	the	the	DET
ajbmeb-502	94	13	bank	bank	NOUN
ajbmeb-502	94	14	if	if	SCONJ
ajbmeb-502	94	15	they	they	PRON
ajbmeb-502	94	16	are	be	AUX
ajbmeb-502	94	17	dissatisfied	dissatisfied	ADJ
ajbmeb-502	94	18	.	.	PUNCT
ajbmeb-502	95	1	according	accord	VERB
ajbmeb-502	95	2	to	to	ADP
ajbmeb-502	95	3	athanassopoulos	athanassopoulos	PROPN
ajbmeb-502	95	4	(	(	PUNCT
ajbmeb-502	95	5	2000	2000	NUM
ajbmeb-502	95	6	)	)	PUNCT
ajbmeb-502	95	7	,	,	PUNCT
ajbmeb-502	95	8	the	the	DET
ajbmeb-502	95	9	term	term	NOUN
ajbmeb-502	95	10	"	"	PUNCT
ajbmeb-502	95	11	defection	defection	NOUN
ajbmeb-502	95	12	"	"	PUNCT
ajbmeb-502	95	13	is	be	AUX
ajbmeb-502	95	14	used	use	VERB
ajbmeb-502	95	15	in	in	ADP
ajbmeb-502	95	16	the	the	DET
ajbmeb-502	95	17	banking	banking	NOUN
ajbmeb-502	95	18	industry	industry	NOUN
ajbmeb-502	95	19	to	to	PART
ajbmeb-502	95	20	refer	refer	VERB
ajbmeb-502	95	21	to	to	ADP
ajbmeb-502	95	22	the	the	DET
ajbmeb-502	95	23	end	end	NOUN
ajbmeb-502	95	24	of	of	ADP
ajbmeb-502	95	25	a	a	DET
ajbmeb-502	95	26	customer	customer	NOUN
ajbmeb-502	95	27	's	's	PART
ajbmeb-502	95	28	relationship	relationship	NOUN
ajbmeb-502	95	29	with	with	ADP
ajbmeb-502	95	30	a	a	DET
ajbmeb-502	95	31	financial	financial	ADJ
ajbmeb-502	95	32	institution	institution	NOUN
ajbmeb-502	95	33	.	.	PUNCT
ajbmeb-502	96	1	it	it	PRON
ajbmeb-502	96	2	can	can	AUX
ajbmeb-502	96	3	occur	occur	VERB
ajbmeb-502	96	4	entirely	entirely	ADV
ajbmeb-502	96	5	,	,	PUNCT
ajbmeb-502	96	6	when	when	SCONJ
ajbmeb-502	96	7	the	the	DET
ajbmeb-502	96	8	customer	customer	NOUN
ajbmeb-502	96	9	's	's	PART
ajbmeb-502	96	10	account	account	NOUN
ajbmeb-502	96	11	and	and	CCONJ
ajbmeb-502	96	12	investments	investment	NOUN
ajbmeb-502	96	13	are	be	AUX
ajbmeb-502	96	14	closed	closed	ADJ
ajbmeb-502	96	15	,	,	PUNCT
ajbmeb-502	96	16	indicating	indicate	VERB
ajbmeb-502	96	17	the	the	DET
ajbmeb-502	96	18	end	end	NOUN
ajbmeb-502	96	19	of	of	ADP
ajbmeb-502	96	20	the	the	DET
ajbmeb-502	96	21	contract	contract	NOUN
ajbmeb-502	96	22	,	,	PUNCT
ajbmeb-502	96	23	or	or	CCONJ
ajbmeb-502	96	24	it	it	PRON
ajbmeb-502	96	25	can	can	AUX
ajbmeb-502	96	26	occur	occur	VERB
ajbmeb-502	96	27	partially	partially	ADV
ajbmeb-502	96	28	,	,	PUNCT
ajbmeb-502	96	29	when	when	SCONJ
ajbmeb-502	96	30	the	the	DET
ajbmeb-502	96	31	customer	customer	NOUN
ajbmeb-502	96	32	uses	use	VERB
ajbmeb-502	96	33	fewer	few	ADJ
ajbmeb-502	96	34	services	service	NOUN
ajbmeb-502	96	35	and	and	CCONJ
ajbmeb-502	96	36	maintains	maintain	VERB
ajbmeb-502	96	37	a	a	DET
ajbmeb-502	96	38	minimal	minimal	ADJ
ajbmeb-502	96	39	balance	balance	NOUN
ajbmeb-502	96	40	and	and	CCONJ
ajbmeb-502	96	41	makes	make	VERB
ajbmeb-502	96	42	no	no	PRON
ajbmeb-502	96	43	or	or	CCONJ
ajbmeb-502	96	44	few	few	ADJ
ajbmeb-502	96	45	transactions	transaction	NOUN
ajbmeb-502	96	46	.	.	PUNCT
ajbmeb-502	97	1	in	in	ADP
ajbmeb-502	97	2	the	the	DET
ajbmeb-502	97	3	bank	bank	NOUN
ajbmeb-502	97	4	setting	setting	NOUN
ajbmeb-502	97	5	,	,	PUNCT
ajbmeb-502	97	6	a	a	DET
ajbmeb-502	97	7	few	few	ADJ
ajbmeb-502	97	8	examinations	examination	NOUN
ajbmeb-502	97	9	relate	relate	VERB
ajbmeb-502	97	10	client	client	NOUN
ajbmeb-502	97	11	surrender	surrender	NOUN
ajbmeb-502	97	12	to	to	PART
ajbmeb-502	97	13	support	support	VERB
ajbmeb-502	97	14	disappointment	disappointment	NOUN
ajbmeb-502	97	15	(	(	PUNCT
ajbmeb-502	97	16	trubik	trubik	NOUN
ajbmeb-502	97	17	and	and	CCONJ
ajbmeb-502	97	18	malcolm	malcolm	PROPN
ajbmeb-502	97	19	,	,	PUNCT
ajbmeb-502	97	20	2000	2000	NUM
ajbmeb-502	97	21	;	;	PUNCT
ajbmeb-502	97	22	brei	brei	ADJ
ajbmeb-502	97	23	and	and	CCONJ
ajbmeb-502	97	24	rossi	rossi	ADJ
ajbmeb-502	97	25	2005	2005	NUM
ajbmeb-502	97	26	)	)	PUNCT
ajbmeb-502	97	27	.	.	PUNCT
ajbmeb-502	98	1	american	american	PROPN
ajbmeb-502	98	2	journal	journal	PROPN
ajbmeb-502	98	3	of	of	ADP
ajbmeb-502	98	4	business	business	NOUN
ajbmeb-502	98	5	management	management	NOUN
ajbmeb-502	98	6	,	,	PUNCT
ajbmeb-502	98	7	economics	economic	NOUN
ajbmeb-502	98	8	and	and	CCONJ
ajbmeb-502	98	9	banking	banking	NOUN
ajbmeb-502	98	10	volume	volume	NOUN
ajbmeb-502	98	11	10	10	NUM
ajbmeb-502	98	12	march	march	NOUN
ajbmeb-502	98	13	,	,	PUNCT
ajbmeb-502	98	14	2023	2023	NUM
ajbmeb-502	98	15	p	p	NOUN
ajbmeb-502	98	16	a	a	PRON
ajbmeb-502	98	17	g	g	NOUN
ajbmeb-502	98	18	e	e	NOUN
ajbmeb-502	99	1	|	|	ADV
ajbmeb-502	99	2	101	101	NUM
ajbmeb-502	99	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	99	4	word	word	NOUN
ajbmeb-502	99	5	of	of	ADP
ajbmeb-502	99	6	mouth	mouth	NOUN
ajbmeb-502	99	7	:	:	PUNCT
ajbmeb-502	99	8	the	the	DET
ajbmeb-502	99	9	willingness	willingness	NOUN
ajbmeb-502	99	10	of	of	ADP
ajbmeb-502	99	11	the	the	DET
ajbmeb-502	99	12	complainant	complainant	NOUN
ajbmeb-502	99	13	to	to	PART
ajbmeb-502	99	14	speak	speak	VERB
ajbmeb-502	99	15	negatively	negatively	ADV
ajbmeb-502	99	16	about	about	ADP
ajbmeb-502	99	17	the	the	DET
ajbmeb-502	99	18	brand	brand	NOUN
ajbmeb-502	99	19	to	to	ADP
ajbmeb-502	99	20	peers	peer	NOUN
ajbmeb-502	99	21	(	(	PUNCT
ajbmeb-502	99	22	such	such	ADJ
ajbmeb-502	99	23	as	as	ADP
ajbmeb-502	99	24	family	family	NOUN
ajbmeb-502	99	25	and	and	CCONJ
ajbmeb-502	99	26	friends	friend	NOUN
ajbmeb-502	99	27	)	)	PUNCT
ajbmeb-502	99	28	is	be	AUX
ajbmeb-502	99	29	known	know	VERB
ajbmeb-502	99	30	as	as	ADP
ajbmeb-502	99	31	negative	negative	ADJ
ajbmeb-502	99	32	word	word	NOUN
ajbmeb-502	99	33	-	-	PUNCT
ajbmeb-502	99	34	of	of	ADP
ajbmeb-502	99	35	-	-	PUNCT
ajbmeb-502	99	36	mouth	mouth	NOUN
ajbmeb-502	99	37	(	(	PUNCT
ajbmeb-502	99	38	nwom	nwom	NOUN
ajbmeb-502	99	39	)	)	PUNCT
ajbmeb-502	99	40	.	.	PUNCT
ajbmeb-502	100	1	scholars	scholar	NOUN
ajbmeb-502	100	2	agree	agree	VERB
ajbmeb-502	100	3	that	that	SCONJ
ajbmeb-502	100	4	nwom	nwom	NOUN
ajbmeb-502	100	5	has	have	VERB
ajbmeb-502	100	6	significant	significant	ADJ
ajbmeb-502	100	7	negative	negative	ADJ
ajbmeb-502	100	8	effects	effect	NOUN
ajbmeb-502	100	9	on	on	ADP
ajbmeb-502	100	10	the	the	DET
ajbmeb-502	100	11	object	object	NOUN
ajbmeb-502	100	12	being	be	AUX
ajbmeb-502	100	13	criticized	criticize	VERB
ajbmeb-502	100	14	,	,	PUNCT
ajbmeb-502	100	15	so	so	ADV
ajbmeb-502	100	16	they	they	PRON
ajbmeb-502	100	17	investigated	investigate	VERB
ajbmeb-502	100	18	the	the	DET
ajbmeb-502	100	19	significance	significance	NOUN
ajbmeb-502	100	20	of	of	ADP
ajbmeb-502	100	21	attributions	attribution	NOUN
ajbmeb-502	100	22	for	for	ADP
ajbmeb-502	100	23	nwom	nwom	NOUN
ajbmeb-502	100	24	(	(	PUNCT
ajbmeb-502	100	25	chang	chang	PROPN
ajbmeb-502	100	26	et	et	PROPN
ajbmeb-502	100	27	al	al	PROPN
ajbmeb-502	100	28	.	.	PROPN
ajbmeb-502	100	29	,	,	PUNCT
ajbmeb-502	100	30	2015	2015	NUM
ajbmeb-502	100	31	)	)	PUNCT
ajbmeb-502	100	32	.	.	PUNCT
ajbmeb-502	101	1	according	accord	VERB
ajbmeb-502	101	2	to	to	ADP
ajbmeb-502	101	3	the	the	DET
ajbmeb-502	101	4	findings	finding	NOUN
ajbmeb-502	101	5	of	of	ADP
ajbmeb-502	101	6	a	a	DET
ajbmeb-502	101	7	study	study	NOUN
ajbmeb-502	101	8	on	on	ADP
ajbmeb-502	101	9	negative	negative	ADJ
ajbmeb-502	101	10	word	word	NOUN
ajbmeb-502	101	11	-	-	PUNCT
ajbmeb-502	101	12	of	of	ADP
ajbmeb-502	101	13	-	-	PUNCT
ajbmeb-502	101	14	mouth	mouth	NOUN
ajbmeb-502	101	15	communication	communication	NOUN
ajbmeb-502	101	16	,	,	PUNCT
ajbmeb-502	101	17	it	it	PRON
ajbmeb-502	101	18	lowers	lower	VERB
ajbmeb-502	101	19	a	a	DET
ajbmeb-502	101	20	company	company	NOUN
ajbmeb-502	101	21	's	's	PART
ajbmeb-502	101	22	credibility	credibility	NOUN
ajbmeb-502	101	23	and	and	CCONJ
ajbmeb-502	101	24	decreases	decrease	VERB
ajbmeb-502	101	25	consumers	consumer	NOUN
ajbmeb-502	101	26	'	'	PART
ajbmeb-502	101	27	intentions	intention	NOUN
ajbmeb-502	101	28	to	to	PART
ajbmeb-502	101	29	purchase	purchase	VERB
ajbmeb-502	101	30	a	a	DET
ajbmeb-502	101	31	product	product	NOUN
ajbmeb-502	101	32	or	or	CCONJ
ajbmeb-502	101	33	service	service	NOUN
ajbmeb-502	101	34	(	(	PUNCT
ajbmeb-502	101	35	gildin	gildin	VERB
ajbmeb-502	101	36	,	,	PUNCT
ajbmeb-502	101	37	2003	2003	NUM
ajbmeb-502	101	38	)	)	PUNCT
ajbmeb-502	101	39	.	.	PUNCT
ajbmeb-502	102	1	according	accord	VERB
ajbmeb-502	102	2	to	to	ADP
ajbmeb-502	102	3	lim	lim	PROPN
ajbmeb-502	102	4	and	and	CCONJ
ajbmeb-502	102	5	chung	chung	PROPN
ajbmeb-502	102	6	(	(	PUNCT
ajbmeb-502	102	7	2011	2011	NUM
ajbmeb-502	102	8	)	)	PUNCT
ajbmeb-502	102	9	,	,	PUNCT
ajbmeb-502	102	10	nwom	nwom	NOUN
ajbmeb-502	102	11	communicates	communicate	VERB
ajbmeb-502	102	12	credence	credence	NOUN
ajbmeb-502	102	13	attribute	attribute	NOUN
ajbmeb-502	102	14	information	information	NOUN
ajbmeb-502	102	15	more	more	ADV
ajbmeb-502	102	16	effectively	effectively	ADV
ajbmeb-502	102	17	because	because	SCONJ
ajbmeb-502	102	18	it	it	PRON
ajbmeb-502	102	19	is	be	AUX
ajbmeb-502	102	20	more	more	ADV
ajbmeb-502	102	21	consistent	consistent	ADJ
ajbmeb-502	102	22	with	with	ADP
ajbmeb-502	102	23	credence	credence	NOUN
ajbmeb-502	102	24	belief	belief	NOUN
ajbmeb-502	102	25	communication	communication	NOUN
ajbmeb-502	102	26	.	.	PUNCT
ajbmeb-502	103	1	luo	luo	PROPN
ajbmeb-502	103	2	(	(	PUNCT
ajbmeb-502	103	3	2009	2009	NUM
ajbmeb-502	103	4	)	)	PUNCT
ajbmeb-502	103	5	drew	draw	VERB
ajbmeb-502	103	6	a	a	DET
ajbmeb-502	103	7	distinction	distinction	NOUN
ajbmeb-502	103	8	between	between	ADP
ajbmeb-502	103	9	negative	negative	ADJ
ajbmeb-502	103	10	wom	wom	NOUN
ajbmeb-502	103	11	(	(	PUNCT
ajbmeb-502	103	12	nwom	nwom	NOUN
ajbmeb-502	103	13	)	)	PUNCT
ajbmeb-502	103	14	and	and	CCONJ
ajbmeb-502	103	15	positive	positive	ADJ
ajbmeb-502	103	16	wom	wom	NOUN
ajbmeb-502	103	17	(	(	PUNCT
ajbmeb-502	103	18	pwom	pwom	NOUN
ajbmeb-502	103	19	)	)	PUNCT
ajbmeb-502	103	20	by	by	ADP
ajbmeb-502	103	21	pointing	point	VERB
ajbmeb-502	103	22	out	out	ADP
ajbmeb-502	103	23	that	that	SCONJ
ajbmeb-502	103	24	positive	positive	ADJ
ajbmeb-502	103	25	wom	wom	NOUN
ajbmeb-502	103	26	includes	include	VERB
ajbmeb-502	103	27	positive	positive	ADJ
ajbmeb-502	103	28	experiences	experience	NOUN
ajbmeb-502	103	29	with	with	ADP
ajbmeb-502	103	30	particular	particular	ADJ
ajbmeb-502	103	31	products	product	NOUN
ajbmeb-502	103	32	and	and	CCONJ
ajbmeb-502	103	33	provides	provide	VERB
ajbmeb-502	103	34	buying	buy	VERB
ajbmeb-502	103	35	recommendations	recommendation	NOUN
ajbmeb-502	103	36	that	that	PRON
ajbmeb-502	103	37	are	be	AUX
ajbmeb-502	103	38	advantageous	advantageous	ADJ
ajbmeb-502	103	39	to	to	ADP
ajbmeb-502	103	40	businesses	business	NOUN
ajbmeb-502	103	41	.	.	PUNCT
ajbmeb-502	104	1	in	in	ADP
ajbmeb-502	104	2	contrast	contrast	NOUN
ajbmeb-502	104	3	,	,	PUNCT
ajbmeb-502	104	4	negative	negative	ADJ
ajbmeb-502	104	5	wom	wom	NOUN
ajbmeb-502	104	6	includes	include	VERB
ajbmeb-502	104	7	negative	negative	ADJ
ajbmeb-502	104	8	experiences	experience	NOUN
ajbmeb-502	104	9	with	with	ADP
ajbmeb-502	104	10	particular	particular	ADJ
ajbmeb-502	104	11	products	product	NOUN
ajbmeb-502	104	12	and	and	CCONJ
ajbmeb-502	104	13	can	can	AUX
ajbmeb-502	104	14	be	be	AUX
ajbmeb-502	104	15	detrimental	detrimental	ADJ
ajbmeb-502	104	16	to	to	ADP
ajbmeb-502	104	17	businesses	business	NOUN
ajbmeb-502	104	18	.	.	PUNCT
ajbmeb-502	105	1	according	accord	VERB
ajbmeb-502	105	2	to	to	ADP
ajbmeb-502	105	3	wangenheim	wangenheim	PROPN
ajbmeb-502	105	4	(	(	PUNCT
ajbmeb-502	105	5	2005	2005	NUM
ajbmeb-502	105	6	)	)	PUNCT
ajbmeb-502	105	7	,	,	PUNCT
ajbmeb-502	105	8	dissatisfied	dissatisfied	ADJ
ajbmeb-502	105	9	customers	customer	NOUN
ajbmeb-502	105	10	might	might	AUX
ajbmeb-502	105	11	spread	spread	VERB
ajbmeb-502	105	12	negative	negative	ADJ
ajbmeb-502	105	13	word	word	NOUN
ajbmeb-502	105	14	of	of	ADP
ajbmeb-502	105	15	mouth	mouth	NOUN
ajbmeb-502	105	16	(	(	PUNCT
ajbmeb-502	105	17	nwo	nwo	PROPN
ajbmeb-502	105	18	)	)	PUNCT
ajbmeb-502	105	19	about	about	ADP
ajbmeb-502	105	20	businesses	business	NOUN
ajbmeb-502	105	21	or	or	CCONJ
ajbmeb-502	105	22	products	product	NOUN
ajbmeb-502	105	23	,	,	PUNCT
ajbmeb-502	105	24	which	which	PRON
ajbmeb-502	105	25	could	could	AUX
ajbmeb-502	105	26	discourage	discourage	VERB
ajbmeb-502	105	27	potential	potential	ADJ
ajbmeb-502	105	28	new	new	ADJ
ajbmeb-502	105	29	customers	customer	NOUN
ajbmeb-502	105	30	from	from	ADP
ajbmeb-502	105	31	doing	do	VERB
ajbmeb-502	105	32	business	business	NOUN
ajbmeb-502	105	33	with	with	ADP
ajbmeb-502	105	34	those	those	DET
ajbmeb-502	105	35	businesses	business	NOUN
ajbmeb-502	105	36	or	or	CCONJ
ajbmeb-502	105	37	increase	increase	VERB
ajbmeb-502	105	38	the	the	DET
ajbmeb-502	105	39	percentage	percentage	NOUN
ajbmeb-502	105	40	of	of	ADP
ajbmeb-502	105	41	current	current	ADJ
ajbmeb-502	105	42	customers	customer	NOUN
ajbmeb-502	105	43	who	who	PRON
ajbmeb-502	105	44	leave	leave	VERB
ajbmeb-502	105	45	.	.	PUNCT
ajbmeb-502	106	1	according	accord	VERB
ajbmeb-502	106	2	to	to	ADP
ajbmeb-502	106	3	lim	lim	PROPN
ajbmeb-502	106	4	and	and	CCONJ
ajbmeb-502	106	5	chung	chung	PROPN
ajbmeb-502	106	6	(	(	PUNCT
ajbmeb-502	106	7	2011	2011	NUM
ajbmeb-502	106	8	)	)	PUNCT
ajbmeb-502	106	9	,	,	PUNCT
ajbmeb-502	106	10	it	it	PRON
ajbmeb-502	106	11	is	be	AUX
ajbmeb-502	106	12	commonly	commonly	ADV
ajbmeb-502	106	13	believed	believe	VERB
ajbmeb-502	106	14	that	that	SCONJ
ajbmeb-502	106	15	negative	negative	ADJ
ajbmeb-502	106	16	information	information	NOUN
ajbmeb-502	106	17	has	have	VERB
ajbmeb-502	106	18	a	a	DET
ajbmeb-502	106	19	greater	great	ADJ
ajbmeb-502	106	20	impact	impact	NOUN
ajbmeb-502	106	21	on	on	ADP
ajbmeb-502	106	22	consumer	consumer	NOUN
ajbmeb-502	106	23	brand	brand	NOUN
ajbmeb-502	106	24	evaluations	evaluation	NOUN
ajbmeb-502	106	25	,	,	PUNCT
ajbmeb-502	106	26	is	be	AUX
ajbmeb-502	106	27	more	more	ADV
ajbmeb-502	106	28	credible	credible	ADJ
ajbmeb-502	106	29	,	,	PUNCT
ajbmeb-502	106	30	and	and	CCONJ
ajbmeb-502	106	31	is	be	AUX
ajbmeb-502	106	32	more	more	ADV
ajbmeb-502	106	33	diagnostic	diagnostic	ADJ
ajbmeb-502	106	34	.	.	PUNCT
ajbmeb-502	107	1	empirical	empirical	ADJ
ajbmeb-502	107	2	review	review	VERB
ajbmeb-502	107	3	the	the	DET
ajbmeb-502	107	4	all	all	ADV
ajbmeb-502	107	5	-	-	PUNCT
ajbmeb-502	107	6	encompassing	encompass	VERB
ajbmeb-502	107	7	impact	impact	NOUN
ajbmeb-502	107	8	of	of	ADP
ajbmeb-502	107	9	information	information	NOUN
ajbmeb-502	107	10	and	and	CCONJ
ajbmeb-502	107	11	telecommunication	telecommunication	NOUN
ajbmeb-502	107	12	technologies	technology	NOUN
ajbmeb-502	107	13	is	be	AUX
ajbmeb-502	107	14	rapidly	rapidly	ADV
ajbmeb-502	107	15	and	and	CCONJ
ajbmeb-502	107	16	profoundly	profoundly	ADV
ajbmeb-502	107	17	altering	alter	VERB
ajbmeb-502	107	18	the	the	DET
ajbmeb-502	107	19	commercial	commercial	ADJ
ajbmeb-502	107	20	banking	banking	NOUN
ajbmeb-502	107	21	industry	industry	NOUN
ajbmeb-502	107	22	(	(	PUNCT
ajbmeb-502	107	23	saroha	saroha	NOUN
ajbmeb-502	107	24	,	,	PUNCT
ajbmeb-502	107	25	&	&	CCONJ
ajbmeb-502	107	26	diwan	diwan	PROPN
ajbmeb-502	107	27	,	,	PUNCT
ajbmeb-502	107	28	2017	2017	NUM
ajbmeb-502	107	29	;	;	PUNCT
ajbmeb-502	107	30	chen	chen	PROPN
ajbmeb-502	107	31	et	et	PROPN
ajbmeb-502	107	32	al	al	PROPN
ajbmeb-502	107	33	.	.	PROPN
ajbmeb-502	107	34	2017	2017	NUM
ajbmeb-502	107	35	;	;	PUNCT
ajbmeb-502	107	36	sayuti	sayuti	PROPN
ajbmeb-502	107	37	&	&	CCONJ
ajbmeb-502	107	38	setiawan	setiawan	PROPN
ajbmeb-502	107	39	,	,	PUNCT
ajbmeb-502	107	40	2017	2017	NUM
ajbmeb-502	107	41	)	)	PUNCT
ajbmeb-502	107	42	.	.	PUNCT
ajbmeb-502	108	1	the	the	DET
ajbmeb-502	108	2	banking	banking	NOUN
ajbmeb-502	108	3	industry	industry	NOUN
ajbmeb-502	108	4	has	have	AUX
ajbmeb-502	108	5	been	be	AUX
ajbmeb-502	108	6	able	able	ADJ
ajbmeb-502	108	7	to	to	PART
ajbmeb-502	108	8	respond	respond	VERB
ajbmeb-502	108	9	to	to	ADP
ajbmeb-502	108	10	customer	customer	NOUN
ajbmeb-502	108	11	services	service	NOUN
ajbmeb-502	108	12	with	with	ADP
ajbmeb-502	108	13	greater	great	ADJ
ajbmeb-502	108	14	precision	precision	NOUN
ajbmeb-502	108	15	and	and	CCONJ
ajbmeb-502	108	16	speed	speed	NOUN
ajbmeb-502	108	17	as	as	ADP
ajbmeb-502	108	18	a	a	DET
ajbmeb-502	108	19	result	result	NOUN
ajbmeb-502	108	20	of	of	ADP
ajbmeb-502	108	21	the	the	DET
ajbmeb-502	108	22	radical	radical	ADJ
ajbmeb-502	108	23	and	and	CCONJ
ajbmeb-502	108	24	rapid	rapid	ADJ
ajbmeb-502	108	25	access	access	NOUN
ajbmeb-502	108	26	to	to	ADP
ajbmeb-502	108	27	information	information	NOUN
ajbmeb-502	108	28	and	and	CCONJ
ajbmeb-502	108	29	data	datum	NOUN
ajbmeb-502	108	30	processing	processing	NOUN
ajbmeb-502	108	31	methods	method	NOUN
ajbmeb-502	108	32	.	.	PUNCT
ajbmeb-502	109	1	this	this	DET
ajbmeb-502	109	2	situation	situation	NOUN
ajbmeb-502	109	3	has	have	AUX
ajbmeb-502	109	4	constrained	constrain	VERB
ajbmeb-502	109	5	banks	bank	NOUN
ajbmeb-502	109	6	all	all	ADV
ajbmeb-502	109	7	over	over	ADP
ajbmeb-502	109	8	the	the	DET
ajbmeb-502	109	9	planet	planet	NOUN
ajbmeb-502	109	10	to	to	PART
ajbmeb-502	109	11	modify	modify	VERB
ajbmeb-502	109	12	the	the	DET
ajbmeb-502	109	13	traditional	traditional	ADJ
ajbmeb-502	109	14	methodologies	methodology	NOUN
ajbmeb-502	109	15	of	of	ADP
ajbmeb-502	109	16	saving	save	VERB
ajbmeb-502	109	17	money	money	NOUN
ajbmeb-502	109	18	with	with	ADP
ajbmeb-502	109	19	the	the	DET
ajbmeb-502	109	20	most	most	ADV
ajbmeb-502	109	21	modern	modern	ADJ
ajbmeb-502	109	22	cutting	cutting	NOUN
ajbmeb-502	109	23	edge	edge	NOUN
ajbmeb-502	109	24	frameworks	framework	NOUN
ajbmeb-502	109	25	to	to	PART
ajbmeb-502	109	26	offer	offer	VERB
ajbmeb-502	109	27	powerful	powerful	ADJ
ajbmeb-502	109	28	and	and	CCONJ
ajbmeb-502	109	29	proficient	proficient	ADJ
ajbmeb-502	109	30	types	type	NOUN
ajbmeb-502	109	31	of	of	ADP
ajbmeb-502	109	32	assistance	assistance	NOUN
ajbmeb-502	109	33	without	without	ADP
ajbmeb-502	109	34	even	even	ADV
ajbmeb-502	109	35	a	a	DET
ajbmeb-502	109	36	moment	moment	NOUN
ajbmeb-502	109	37	's	's	PART
ajbmeb-502	109	38	pause	pause	NOUN
ajbmeb-502	109	39	.	.	PUNCT
ajbmeb-502	110	1	as	as	ADP
ajbmeb-502	110	2	a	a	DET
ajbmeb-502	110	3	result	result	NOUN
ajbmeb-502	110	4	,	,	PUNCT
ajbmeb-502	110	5	the	the	DET
ajbmeb-502	110	6	majority	majority	NOUN
ajbmeb-502	110	7	of	of	ADP
ajbmeb-502	110	8	banks	bank	NOUN
ajbmeb-502	110	9	have	have	AUX
ajbmeb-502	110	10	developed	develop	VERB
ajbmeb-502	110	11	systems	system	NOUN
ajbmeb-502	110	12	that	that	PRON
ajbmeb-502	110	13	are	be	AUX
ajbmeb-502	110	14	compatible	compatible	ADJ
ajbmeb-502	110	15	with	with	ADP
ajbmeb-502	110	16	technology	technology	NOUN
ajbmeb-502	110	17	in	in	ADP
ajbmeb-502	110	18	order	order	NOUN
ajbmeb-502	110	19	to	to	PART
ajbmeb-502	110	20	provide	provide	VERB
ajbmeb-502	110	21	customers	customer	NOUN
ajbmeb-502	110	22	with	with	ADP
ajbmeb-502	110	23	timely	timely	ADJ
ajbmeb-502	110	24	services	service	NOUN
ajbmeb-502	110	25	at	at	ADP
ajbmeb-502	110	26	lower	low	ADJ
ajbmeb-502	110	27	prices	price	NOUN
ajbmeb-502	110	28	.	.	PUNCT
ajbmeb-502	111	1	it	it	PRON
ajbmeb-502	111	2	was	be	AUX
ajbmeb-502	111	3	absolutely	absolutely	ADV
ajbmeb-502	111	4	terrible	terrible	ADJ
ajbmeb-502	111	5	to	to	PART
ajbmeb-502	111	6	anticipate	anticipate	VERB
ajbmeb-502	111	7	prosperity	prosperity	NOUN
ajbmeb-502	111	8	and	and	CCONJ
ajbmeb-502	111	9	expansion	expansion	NOUN
ajbmeb-502	111	10	while	while	SCONJ
ajbmeb-502	111	11	remaining	remain	VERB
ajbmeb-502	111	12	indifferent	indifferent	ADJ
ajbmeb-502	111	13	to	to	PART
ajbmeb-502	111	14	change	change	VERB
ajbmeb-502	111	15	in	in	ADP
ajbmeb-502	111	16	the	the	DET
ajbmeb-502	111	17	banking	banking	NOUN
ajbmeb-502	111	18	industry	industry	NOUN
ajbmeb-502	111	19	and	and	CCONJ
ajbmeb-502	111	20	isolated	isolate	VERB
ajbmeb-502	111	21	from	from	ADP
ajbmeb-502	111	22	it	it	PRON
ajbmeb-502	111	23	.	.	PUNCT
ajbmeb-502	112	1	as	as	ADP
ajbmeb-502	112	2	a	a	DET
ajbmeb-502	112	3	result	result	NOUN
ajbmeb-502	112	4	,	,	PUNCT
ajbmeb-502	112	5	the	the	DET
ajbmeb-502	112	6	banking	banking	NOUN
ajbmeb-502	112	7	industry	industry	NOUN
ajbmeb-502	112	8	was	be	AUX
ajbmeb-502	112	9	forced	force	VERB
ajbmeb-502	112	10	to	to	PART
ajbmeb-502	112	11	become	become	VERB
ajbmeb-502	112	12	a	a	DET
ajbmeb-502	112	13	part	part	NOUN
ajbmeb-502	112	14	of	of	ADP
ajbmeb-502	112	15	an	an	DET
ajbmeb-502	112	16	innovative	innovative	ADJ
ajbmeb-502	112	17	culture	culture	NOUN
ajbmeb-502	112	18	.	.	PUNCT
ajbmeb-502	113	1	the	the	DET
ajbmeb-502	113	2	global	global	ADJ
ajbmeb-502	113	3	banking	banking	NOUN
ajbmeb-502	113	4	sector	sector	NOUN
ajbmeb-502	113	5	has	have	AUX
ajbmeb-502	113	6	been	be	AUX
ajbmeb-502	113	7	significantly	significantly	ADV
ajbmeb-502	113	8	affected	affect	VERB
ajbmeb-502	113	9	by	by	ADP
ajbmeb-502	113	10	digitalization	digitalization	NOUN
ajbmeb-502	113	11	.	.	PUNCT
ajbmeb-502	114	1	in	in	ADP
ajbmeb-502	114	2	northern	northern	PROPN
ajbmeb-502	114	3	thailand	thailand	PROPN
ajbmeb-502	114	4	,	,	PUNCT
ajbmeb-502	114	5	supathanish	supathanish	PROPN
ajbmeb-502	114	6	(	(	PUNCT
ajbmeb-502	114	7	2010	2010	NUM
ajbmeb-502	114	8	)	)	PUNCT
ajbmeb-502	114	9	investigated	investigate	VERB
ajbmeb-502	114	10	how	how	SCONJ
ajbmeb-502	114	11	customers	customer	NOUN
ajbmeb-502	114	12	perceived	perceive	VERB
ajbmeb-502	114	13	mobile	mobile	ADJ
ajbmeb-502	114	14	banking	banking	NOUN
ajbmeb-502	114	15	.	.	PUNCT
ajbmeb-502	115	1	according	accord	VERB
ajbmeb-502	115	2	to	to	ADP
ajbmeb-502	115	3	the	the	DET
ajbmeb-502	115	4	study	study	NOUN
ajbmeb-502	115	5	's	's	PART
ajbmeb-502	115	6	findings	finding	NOUN
ajbmeb-502	115	7	,	,	PUNCT
ajbmeb-502	115	8	customers	customer	NOUN
ajbmeb-502	115	9	'	'	PART
ajbmeb-502	115	10	attitudes	attitude	NOUN
ajbmeb-502	115	11	are	be	AUX
ajbmeb-502	115	12	influenced	influence	VERB
ajbmeb-502	115	13	by	by	ADP
ajbmeb-502	115	14	trust	trust	NOUN
ajbmeb-502	115	15	and	and	CCONJ
ajbmeb-502	115	16	knowledge	knowledge	NOUN
ajbmeb-502	115	17	of	of	ADP
ajbmeb-502	115	18	internet	internet	NOUN
ajbmeb-502	115	19	banking	banking	NOUN
ajbmeb-502	115	20	.	.	PUNCT
ajbmeb-502	116	1	supathanish	supathanish	PROPN
ajbmeb-502	116	2	(	(	PUNCT
ajbmeb-502	116	3	2010	2010	NUM
ajbmeb-502	116	4	)	)	PUNCT
ajbmeb-502	116	5	used	use	VERB
ajbmeb-502	116	6	a	a	DET
ajbmeb-502	116	7	questionnaire	questionnaire	NOUN
ajbmeb-502	116	8	with	with	ADP
ajbmeb-502	116	9	a	a	DET
ajbmeb-502	116	10	4	4	NUM
ajbmeb-502	116	11	-	-	PUNCT
ajbmeb-502	116	12	point	point	NOUN
ajbmeb-502	116	13	likert	likert	ADJ
ajbmeb-502	116	14	scale	scale	NOUN
ajbmeb-502	116	15	and	and	CCONJ
ajbmeb-502	116	16	324	324	NUM
ajbmeb-502	116	17	respondents	respondent	NOUN
ajbmeb-502	116	18	to	to	PART
ajbmeb-502	116	19	investigate	investigate	VERB
ajbmeb-502	116	20	the	the	DET
ajbmeb-502	116	21	factors	factor	NOUN
ajbmeb-502	116	22	that	that	PRON
ajbmeb-502	116	23	influence	influence	VERB
ajbmeb-502	116	24	users	user	NOUN
ajbmeb-502	116	25	'	'	PART
ajbmeb-502	116	26	adoption	adoption	NOUN
ajbmeb-502	116	27	of	of	ADP
ajbmeb-502	116	28	e	e	NOUN
ajbmeb-502	116	29	-	-	NOUN
ajbmeb-502	116	30	banking	banking	NOUN
ajbmeb-502	116	31	in	in	ADP
ajbmeb-502	116	32	malaysia	malaysia	PROPN
ajbmeb-502	116	33	.	.	PUNCT
ajbmeb-502	117	1	they	they	PRON
ajbmeb-502	117	2	discovered	discover	VERB
ajbmeb-502	117	3	that	that	SCONJ
ajbmeb-502	117	4	users	user	NOUN
ajbmeb-502	117	5	'	'	PART
ajbmeb-502	117	6	adoption	adoption	NOUN
ajbmeb-502	117	7	of	of	ADP
ajbmeb-502	117	8	e	e	NOUN
ajbmeb-502	117	9	-	-	ADJ
ajbmeb-502	117	10	banking	banking	ADJ
ajbmeb-502	117	11	services	service	NOUN
ajbmeb-502	117	12	is	be	AUX
ajbmeb-502	117	13	significantly	significantly	ADV
ajbmeb-502	117	14	influenced	influence	VERB
ajbmeb-502	117	15	by	by	ADP
ajbmeb-502	117	16	user	user	NOUN
ajbmeb-502	117	17	convenience	convenience	NOUN
ajbmeb-502	117	18	,	,	PUNCT
ajbmeb-502	117	19	accessibility	accessibility	NOUN
ajbmeb-502	117	20	,	,	PUNCT
ajbmeb-502	117	21	feature	feature	NOUN
ajbmeb-502	117	22	availability	availability	NOUN
ajbmeb-502	117	23	,	,	PUNCT
ajbmeb-502	117	24	bank	bank	NOUN
ajbmeb-502	117	25	management	management	NOUN
ajbmeb-502	117	26	and	and	CCONJ
ajbmeb-502	117	27	image	image	NOUN
ajbmeb-502	117	28	,	,	PUNCT
ajbmeb-502	117	29	security	security	NOUN
ajbmeb-502	117	30	,	,	PUNCT
ajbmeb-502	117	31	privacy	privacy	NOUN
ajbmeb-502	117	32	,	,	PUNCT
ajbmeb-502	117	33	design	design	NOUN
ajbmeb-502	117	34	,	,	PUNCT
ajbmeb-502	117	35	content	content	NOUN
ajbmeb-502	117	36	,	,	PUNCT
ajbmeb-502	117	37	and	and	CCONJ
ajbmeb-502	117	38	speed	speed	NOUN
ajbmeb-502	117	39	,	,	PUNCT
ajbmeb-502	117	40	as	as	ADV
ajbmeb-502	117	41	well	well	ADV
ajbmeb-502	117	42	as	as	ADP
ajbmeb-502	117	43	fees	fee	NOUN
ajbmeb-502	117	44	,	,	PUNCT
ajbmeb-502	117	45	charges	charge	NOUN
ajbmeb-502	117	46	,	,	PUNCT
ajbmeb-502	117	47	privacy	privacy	NOUN
ajbmeb-502	117	48	,	,	PUNCT
ajbmeb-502	117	49	security	security	NOUN
ajbmeb-502	117	50	,	,	PUNCT
ajbmeb-502	117	51	and	and	CCONJ
ajbmeb-502	117	52	convenience	convenience	NOUN
ajbmeb-502	117	53	.	.	PUNCT
ajbmeb-502	118	1	dalia	dalia	PROPN
ajbmeb-502	118	2	,	,	PUNCT
ajbmeb-502	118	3	ahmed	ahme	VERB
ajbmeb-502	118	4	,	,	PUNCT
ajbmeb-502	118	5	and	and	CCONJ
ajbmeb-502	118	6	omneya	omneya	VERB
ajbmeb-502	118	7	(	(	PUNCT
ajbmeb-502	118	8	2009	2009	NUM
ajbmeb-502	118	9	)	)	PUNCT
ajbmeb-502	118	10	investigated	investigate	VERB
ajbmeb-502	118	11	customers	customer	NOUN
ajbmeb-502	118	12	'	'	PART
ajbmeb-502	118	13	ongoing	ongoing	ADJ
ajbmeb-502	118	14	intention	intention	NOUN
ajbmeb-502	118	15	to	to	PART
ajbmeb-502	118	16	use	use	VERB
ajbmeb-502	118	17	internet	internet	NOUN
ajbmeb-502	118	18	banking	banking	NOUN
ajbmeb-502	118	19	in	in	ADP
ajbmeb-502	118	20	egypt	egypt	PROPN
ajbmeb-502	118	21	by	by	ADP
ajbmeb-502	118	22	employing	employ	VERB
ajbmeb-502	118	23	a	a	DET
ajbmeb-502	118	24	sample	sample	NOUN
ajbmeb-502	118	25	of	of	ADP
ajbmeb-502	118	26	internet	internet	NOUN
ajbmeb-502	118	27	banking	banking	NOUN
ajbmeb-502	118	28	service	service	NOUN
ajbmeb-502	118	29	users	user	NOUN
ajbmeb-502	118	30	.	.	PUNCT
ajbmeb-502	119	1	perceived	perceive	VERB
ajbmeb-502	119	2	ease	ease	NOUN
ajbmeb-502	119	3	of	of	ADP
ajbmeb-502	119	4	use	use	NOUN
ajbmeb-502	119	5	was	be	AUX
ajbmeb-502	119	6	found	find	VERB
ajbmeb-502	119	7	to	to	PART
ajbmeb-502	119	8	be	be	AUX
ajbmeb-502	119	9	the	the	DET
ajbmeb-502	119	10	strongest	strong	ADJ
ajbmeb-502	119	11	predictor	predictor	NOUN
ajbmeb-502	119	12	of	of	ADP
ajbmeb-502	119	13	continued	continue	VERB
ajbmeb-502	119	14	use	use	NOUN
ajbmeb-502	119	15	of	of	ADP
ajbmeb-502	119	16	internet	internet	NOUN
ajbmeb-502	119	17	banking	banking	NOUN
ajbmeb-502	119	18	services	service	NOUN
ajbmeb-502	119	19	,	,	PUNCT
ajbmeb-502	119	20	and	and	CCONJ
ajbmeb-502	119	21	demographic	demographic	ADJ
ajbmeb-502	119	22	factors	factor	NOUN
ajbmeb-502	119	23	had	have	VERB
ajbmeb-502	119	24	no	no	DET
ajbmeb-502	119	25	significant	significant	ADJ
ajbmeb-502	119	26	influence	influence	NOUN
ajbmeb-502	119	27	on	on	ADP
ajbmeb-502	119	28	usage	usage	NOUN
ajbmeb-502	119	29	.	.	PUNCT
ajbmeb-502	120	1	in	in	ADP
ajbmeb-502	120	2	a	a	DET
ajbmeb-502	120	3	similar	similar	ADJ
ajbmeb-502	120	4	vein	vein	NOUN
ajbmeb-502	120	5	,	,	PUNCT
ajbmeb-502	120	6	zheng	zheng	PROPN
ajbmeb-502	120	7	and	and	CCONJ
ajbmeb-502	120	8	zhong	zhong	PROPN
ajbmeb-502	120	9	,	,	PUNCT
ajbmeb-502	120	10	(	(	PUNCT
ajbmeb-502	120	11	2005	2005	NUM
ajbmeb-502	120	12	)	)	PUNCT
ajbmeb-502	120	13	looked	look	VERB
ajbmeb-502	120	14	into	into	ADP
ajbmeb-502	120	15	china	china	PROPN
ajbmeb-502	120	16	's	's	PART
ajbmeb-502	120	17	adoption	adoption	NOUN
ajbmeb-502	120	18	of	of	ADP
ajbmeb-502	120	19	virtual	virtual	ADJ
ajbmeb-502	120	20	banking	banking	NOUN
ajbmeb-502	120	21	.	.	PUNCT
ajbmeb-502	121	1	the	the	DET
ajbmeb-502	121	2	most	most	ADV
ajbmeb-502	121	3	important	important	ADJ
ajbmeb-502	121	4	factors	factor	NOUN
ajbmeb-502	121	5	were	be	AUX
ajbmeb-502	121	6	found	find	VERB
ajbmeb-502	121	7	to	to	PART
ajbmeb-502	121	8	be	be	AUX
ajbmeb-502	121	9	internet	internet	NOUN
ajbmeb-502	121	10	accessibility	accessibility	NOUN
ajbmeb-502	121	11	,	,	PUNCT
ajbmeb-502	121	12	awareness	awareness	NOUN
ajbmeb-502	121	13	,	,	PUNCT
ajbmeb-502	121	14	attitude	attitude	NOUN
ajbmeb-502	121	15	toward	toward	ADP
ajbmeb-502	121	16	change	change	NOUN
ajbmeb-502	121	17	,	,	PUNCT
ajbmeb-502	121	18	computer	computer	NOUN
ajbmeb-502	121	19	american	american	PROPN
ajbmeb-502	121	20	journal	journal	PROPN
ajbmeb-502	121	21	of	of	ADP
ajbmeb-502	121	22	business	business	NOUN
ajbmeb-502	121	23	management	management	NOUN
ajbmeb-502	121	24	,	,	PUNCT
ajbmeb-502	121	25	economics	economic	NOUN
ajbmeb-502	121	26	and	and	CCONJ
ajbmeb-502	121	27	banking	banking	NOUN
ajbmeb-502	121	28	volume	volume	NOUN
ajbmeb-502	121	29	10	10	NUM
ajbmeb-502	121	30	march	march	NOUN
ajbmeb-502	121	31	,	,	PUNCT
ajbmeb-502	121	32	2023	2023	NUM
ajbmeb-502	121	33	p	p	NOUN
ajbmeb-502	121	34	a	a	PRON
ajbmeb-502	121	35	g	g	NOUN
ajbmeb-502	121	36	e	e	NOUN
ajbmeb-502	121	37	|	|	ADV
ajbmeb-502	121	38	102	102	NUM
ajbmeb-502	121	39	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	121	40	and	and	CCONJ
ajbmeb-502	121	41	internet	internet	NOUN
ajbmeb-502	121	42	access	access	NOUN
ajbmeb-502	121	43	,	,	PUNCT
ajbmeb-502	121	44	costs	cost	NOUN
ajbmeb-502	121	45	,	,	PUNCT
ajbmeb-502	121	46	trust	trust	NOUN
ajbmeb-502	121	47	in	in	ADP
ajbmeb-502	121	48	one	one	NUM
ajbmeb-502	121	49	's	's	PART
ajbmeb-502	121	50	bank	bank	NOUN
ajbmeb-502	121	51	,	,	PUNCT
ajbmeb-502	121	52	security	security	NOUN
ajbmeb-502	121	53	concerns	concern	NOUN
ajbmeb-502	121	54	,	,	PUNCT
ajbmeb-502	121	55	ease	ease	NOUN
ajbmeb-502	121	56	of	of	ADP
ajbmeb-502	121	57	use	use	NOUN
ajbmeb-502	121	58	,	,	PUNCT
ajbmeb-502	121	59	and	and	CCONJ
ajbmeb-502	121	60	convenience	convenience	NOUN
ajbmeb-502	121	61	.	.	PUNCT
ajbmeb-502	122	1	they	they	PRON
ajbmeb-502	122	2	also	also	ADV
ajbmeb-502	122	3	discovered	discover	VERB
ajbmeb-502	122	4	that	that	SCONJ
ajbmeb-502	122	5	the	the	DET
ajbmeb-502	122	6	most	most	ADV
ajbmeb-502	122	7	frequently	frequently	ADV
ajbmeb-502	122	8	utilized	utilize	VERB
ajbmeb-502	122	9	virtual	virtual	ADJ
ajbmeb-502	122	10	banking	banking	NOUN
ajbmeb-502	122	11	services	service	NOUN
ajbmeb-502	122	12	are	be	AUX
ajbmeb-502	122	13	phone	phone	NOUN
ajbmeb-502	122	14	banking	banking	NOUN
ajbmeb-502	122	15	and	and	CCONJ
ajbmeb-502	122	16	atms	atms	PROPN
ajbmeb-502	122	17	.	.	PUNCT
ajbmeb-502	123	1	supathanish	supathanish	PROPN
ajbmeb-502	123	2	(	(	PUNCT
ajbmeb-502	123	3	2010	2010	NUM
ajbmeb-502	123	4	)	)	PUNCT
ajbmeb-502	123	5	,	,	PUNCT
ajbmeb-502	123	6	dalia	dalia	PROPN
ajbmeb-502	123	7	,	,	PUNCT
ajbmeb-502	123	8	ahmed	ahme	VERB
ajbmeb-502	123	9	,	,	PUNCT
ajbmeb-502	123	10	and	and	CCONJ
ajbmeb-502	123	11	omneya	omneya	VERB
ajbmeb-502	123	12	(	(	PUNCT
ajbmeb-502	123	13	2009	2009	NUM
ajbmeb-502	123	14	)	)	PUNCT
ajbmeb-502	123	15	,	,	PUNCT
ajbmeb-502	123	16	as	as	ADV
ajbmeb-502	123	17	well	well	ADV
ajbmeb-502	123	18	as	as	ADP
ajbmeb-502	123	19	zheng	zheng	PROPN
ajbmeb-502	123	20	and	and	CCONJ
ajbmeb-502	123	21	zhong	zhong	PROPN
ajbmeb-502	123	22	.	.	PUNCT
ajbmeb-502	124	1	(	(	PUNCT
ajbmeb-502	124	2	2005	2005	NUM
ajbmeb-502	124	3	)	)	PUNCT
ajbmeb-502	124	4	,	,	PUNCT
ajbmeb-502	124	5	among	among	ADP
ajbmeb-502	124	6	others	other	NOUN
ajbmeb-502	124	7	,	,	PUNCT
ajbmeb-502	124	8	concur	concur	VERB
ajbmeb-502	124	9	with	with	ADP
ajbmeb-502	124	10	the	the	DET
ajbmeb-502	124	11	findings	finding	NOUN
ajbmeb-502	124	12	.	.	PUNCT
ajbmeb-502	125	1	insecurity	insecurity	NOUN
ajbmeb-502	125	2	was	be	AUX
ajbmeb-502	125	3	found	find	VERB
ajbmeb-502	125	4	when	when	SCONJ
ajbmeb-502	125	5	chiemeke	chiemeke	ADJ
ajbmeb-502	125	6	,	,	PUNCT
ajbmeb-502	125	7	evwiekpaefe	evwiekpaefe	NOUN
ajbmeb-502	125	8	,	,	PUNCT
ajbmeb-502	125	9	and	and	CCONJ
ajbmeb-502	125	10	chete	chete	ADJ
ajbmeb-502	125	11	(	(	PUNCT
ajbmeb-502	125	12	2006	2006	NUM
ajbmeb-502	125	13	)	)	PUNCT
ajbmeb-502	125	14	looked	look	VERB
ajbmeb-502	125	15	into	into	ADP
ajbmeb-502	125	16	the	the	DET
ajbmeb-502	125	17	adoption	adoption	NOUN
ajbmeb-502	125	18	of	of	ADP
ajbmeb-502	125	19	e	e	NOUN
ajbmeb-502	125	20	-	-	NOUN
ajbmeb-502	125	21	banking	banking	NOUN
ajbmeb-502	125	22	in	in	ADP
ajbmeb-502	125	23	nigeria	nigeria	PROPN
ajbmeb-502	125	24	.	.	PUNCT
ajbmeb-502	126	1	inadequate	inadequate	ADJ
ajbmeb-502	126	2	facilities	facility	NOUN
ajbmeb-502	126	3	for	for	ADP
ajbmeb-502	126	4	operations	operation	NOUN
ajbmeb-502	126	5	,	,	PUNCT
ajbmeb-502	126	6	including	include	VERB
ajbmeb-502	126	7	telecommunications	telecommunication	NOUN
ajbmeb-502	126	8	;	;	PUNCT
ajbmeb-502	126	9	and	and	CCONJ
ajbmeb-502	126	10	access	access	NOUN
ajbmeb-502	126	11	to	to	ADP
ajbmeb-502	126	12	electricity	electricity	NOUN
ajbmeb-502	126	13	to	to	PART
ajbmeb-502	126	14	be	be	AUX
ajbmeb-502	126	15	the	the	DET
ajbmeb-502	126	16	primary	primary	ADJ
ajbmeb-502	126	17	impediments	impediment	NOUN
ajbmeb-502	126	18	to	to	ADP
ajbmeb-502	126	19	internet	internet	NOUN
ajbmeb-502	126	20	banking	banking	NOUN
ajbmeb-502	126	21	in	in	ADP
ajbmeb-502	126	22	nigeria	nigeria	PROPN
ajbmeb-502	126	23	.	.	PUNCT
ajbmeb-502	127	1	the	the	DET
ajbmeb-502	127	2	majority	majority	NOUN
ajbmeb-502	127	3	of	of	ADP
ajbmeb-502	127	4	banks	bank	NOUN
ajbmeb-502	127	5	had	have	VERB
ajbmeb-502	127	6	primarily	primarily	ADV
ajbmeb-502	127	7	informational	informational	ADJ
ajbmeb-502	127	8	websites	website	NOUN
ajbmeb-502	127	9	and	and	CCONJ
ajbmeb-502	127	10	offered	offer	VERB
ajbmeb-502	127	11	few	few	ADJ
ajbmeb-502	127	12	internet	internet	NOUN
ajbmeb-502	127	13	transactional	transactional	ADJ
ajbmeb-502	127	14	services	service	NOUN
ajbmeb-502	127	15	,	,	PUNCT
ajbmeb-502	127	16	indicating	indicate	VERB
ajbmeb-502	127	17	that	that	SCONJ
ajbmeb-502	127	18	the	the	DET
ajbmeb-502	127	19	level	level	NOUN
ajbmeb-502	127	20	of	of	ADP
ajbmeb-502	127	21	interactivity	interactivity	NOUN
ajbmeb-502	127	22	offered	offer	VERB
ajbmeb-502	127	23	by	by	ADP
ajbmeb-502	127	24	internet	internet	NOUN
ajbmeb-502	127	25	banking	banking	NOUN
ajbmeb-502	127	26	was	be	AUX
ajbmeb-502	127	27	minimal	minimal	ADJ
ajbmeb-502	127	28	.	.	PUNCT
ajbmeb-502	128	1	according	accord	VERB
ajbmeb-502	128	2	to	to	ADP
ajbmeb-502	128	3	agboola	agboola	PROPN
ajbmeb-502	128	4	's	's	PART
ajbmeb-502	128	5	(	(	PUNCT
ajbmeb-502	128	6	2006	2006	NUM
ajbmeb-502	128	7	)	)	PUNCT
ajbmeb-502	128	8	investigation	investigation	NOUN
ajbmeb-502	128	9	of	of	ADP
ajbmeb-502	128	10	nigerian	nigerian	ADJ
ajbmeb-502	128	11	telebanking	telebanking	NOUN
ajbmeb-502	128	12	services	service	NOUN
ajbmeb-502	128	13	and	and	CCONJ
ajbmeb-502	128	14	electronic	electronic	ADJ
ajbmeb-502	128	15	payment	payment	NOUN
ajbmeb-502	128	16	systems	system	NOUN
ajbmeb-502	128	17	,	,	PUNCT
ajbmeb-502	128	18	there	there	PRON
ajbmeb-502	128	19	has	have	AUX
ajbmeb-502	128	20	been	be	AUX
ajbmeb-502	128	21	a	a	DET
ajbmeb-502	128	22	significant	significant	ADJ
ajbmeb-502	128	23	decline	decline	NOUN
ajbmeb-502	128	24	in	in	ADP
ajbmeb-502	128	25	the	the	DET
ajbmeb-502	128	26	absolute	absolute	ADJ
ajbmeb-502	128	27	volume	volume	NOUN
ajbmeb-502	128	28	of	of	ADP
ajbmeb-502	128	29	cash	cash	NOUN
ajbmeb-502	128	30	transactions	transaction	NOUN
ajbmeb-502	128	31	as	as	ADP
ajbmeb-502	128	32	a	a	DET
ajbmeb-502	128	33	result	result	NOUN
ajbmeb-502	128	34	of	of	ADP
ajbmeb-502	128	35	a	a	DET
ajbmeb-502	128	36	modest	modest	ADJ
ajbmeb-502	128	37	shift	shift	NOUN
ajbmeb-502	128	38	from	from	ADP
ajbmeb-502	128	39	cash	cash	NOUN
ajbmeb-502	128	40	to	to	ADP
ajbmeb-502	128	41	automated	automate	VERB
ajbmeb-502	128	42	payments	payment	NOUN
ajbmeb-502	128	43	.	.	PUNCT
ajbmeb-502	129	1	he	he	PRON
ajbmeb-502	129	2	also	also	ADV
ajbmeb-502	129	3	said	say	VERB
ajbmeb-502	129	4	that	that	SCONJ
ajbmeb-502	129	5	telebanking	telebanking	NOUN
ajbmeb-502	129	6	can	can	AUX
ajbmeb-502	129	7	help	help	VERB
ajbmeb-502	129	8	banks	bank	NOUN
ajbmeb-502	129	9	expand	expand	VERB
ajbmeb-502	129	10	their	their	PRON
ajbmeb-502	129	11	customer	customer	NOUN
ajbmeb-502	129	12	relationships	relationship	NOUN
ajbmeb-502	129	13	,	,	PUNCT
ajbmeb-502	129	14	keep	keep	VERB
ajbmeb-502	129	15	customers	customer	NOUN
ajbmeb-502	129	16	loyal	loyal	ADJ
ajbmeb-502	129	17	,	,	PUNCT
ajbmeb-502	129	18	and	and	CCONJ
ajbmeb-502	129	19	increase	increase	VERB
ajbmeb-502	129	20	their	their	PRON
ajbmeb-502	129	21	market	market	NOUN
ajbmeb-502	129	22	share	share	NOUN
ajbmeb-502	129	23	if	if	SCONJ
ajbmeb-502	129	24	the	the	DET
ajbmeb-502	129	25	major	major	ADJ
ajbmeb-502	129	26	obstacles	obstacle	NOUN
ajbmeb-502	129	27	they	they	PRON
ajbmeb-502	129	28	face	face	VERB
ajbmeb-502	129	29	,	,	PUNCT
ajbmeb-502	129	30	such	such	ADJ
ajbmeb-502	129	31	as	as	ADP
ajbmeb-502	129	32	inefficient	inefficient	ADJ
ajbmeb-502	129	33	telecommunications	telecommunication	NOUN
ajbmeb-502	129	34	services	service	NOUN
ajbmeb-502	129	35	,	,	PUNCT
ajbmeb-502	129	36	an	an	DET
ajbmeb-502	129	37	epileptic	epileptic	ADJ
ajbmeb-502	129	38	power	power	NOUN
ajbmeb-502	129	39	supply	supply	NOUN
ajbmeb-502	129	40	,	,	PUNCT
ajbmeb-502	129	41	high	high	ADJ
ajbmeb-502	129	42	costs	cost	NOUN
ajbmeb-502	129	43	,	,	PUNCT
ajbmeb-502	129	44	the	the	DET
ajbmeb-502	129	45	fear	fear	NOUN
ajbmeb-502	129	46	of	of	ADP
ajbmeb-502	129	47	fraudulent	fraudulent	ADJ
ajbmeb-502	129	48	practices	practice	NOUN
ajbmeb-502	129	49	,	,	PUNCT
ajbmeb-502	129	50	and	and	CCONJ
ajbmeb-502	129	51	inadequate	inadequate	ADJ
ajbmeb-502	129	52	facilities	facility	NOUN
ajbmeb-502	129	53	for	for	ADP
ajbmeb-502	129	54	their	their	PRON
ajbmeb-502	129	55	operation	operation	NOUN
ajbmeb-502	129	56	,	,	PUNCT
ajbmeb-502	129	57	are	be	AUX
ajbmeb-502	129	58	overcome	overcome	VERB
ajbmeb-502	129	59	.	.	PUNCT
ajbmeb-502	130	1	finally	finally	ADV
ajbmeb-502	130	2	,	,	PUNCT
ajbmeb-502	130	3	oladejo	oladejo	PROPN
ajbmeb-502	130	4	and	and	CCONJ
ajbmeb-502	130	5	dada	dada	PROPN
ajbmeb-502	130	6	(	(	PUNCT
ajbmeb-502	130	7	2008	2008	NUM
ajbmeb-502	130	8	)	)	PUNCT
ajbmeb-502	130	9	looked	look	VERB
ajbmeb-502	130	10	at	at	ADP
ajbmeb-502	130	11	how	how	SCONJ
ajbmeb-502	130	12	insurance	insurance	NOUN
ajbmeb-502	130	13	firm	firm	NOUN
ajbmeb-502	130	14	services	service	NOUN
ajbmeb-502	130	15	in	in	ADP
ajbmeb-502	130	16	nigeria	nigeria	PROPN
ajbmeb-502	130	17	were	be	AUX
ajbmeb-502	130	18	affected	affect	VERB
ajbmeb-502	130	19	by	by	ADP
ajbmeb-502	130	20	information	information	NOUN
ajbmeb-502	130	21	technology	technology	NOUN
ajbmeb-502	130	22	.	.	PUNCT
ajbmeb-502	131	1	they	they	PRON
ajbmeb-502	131	2	found	find	VERB
ajbmeb-502	131	3	that	that	SCONJ
ajbmeb-502	131	4	information	information	NOUN
ajbmeb-502	131	5	technology	technology	NOUN
ajbmeb-502	131	6	was	be	AUX
ajbmeb-502	131	7	to	to	PART
ajbmeb-502	131	8	blame	blame	VERB
ajbmeb-502	131	9	for	for	ADP
ajbmeb-502	131	10	the	the	DET
ajbmeb-502	131	11	recent	recent	ADJ
ajbmeb-502	131	12	increase	increase	NOUN
ajbmeb-502	131	13	in	in	ADP
ajbmeb-502	131	14	the	the	DET
ajbmeb-502	131	15	insurance	insurance	NOUN
ajbmeb-502	131	16	industry	industry	NOUN
ajbmeb-502	131	17	's	's	PART
ajbmeb-502	131	18	effectiveness	effectiveness	NOUN
ajbmeb-502	131	19	and	and	CCONJ
ajbmeb-502	131	20	efficiency	efficiency	NOUN
ajbmeb-502	131	21	.	.	PUNCT
ajbmeb-502	132	1	methodology	methodology	NOUN
ajbmeb-502	132	2	the	the	DET
ajbmeb-502	132	3	study	study	NOUN
ajbmeb-502	132	4	used	use	VERB
ajbmeb-502	132	5	a	a	DET
ajbmeb-502	132	6	cross	cross	ADJ
ajbmeb-502	132	7	-	-	ADJ
ajbmeb-502	132	8	sectional	sectional	ADJ
ajbmeb-502	132	9	research	research	NOUN
ajbmeb-502	132	10	design	design	NOUN
ajbmeb-502	132	11	.	.	PUNCT
ajbmeb-502	133	1	using	use	VERB
ajbmeb-502	133	2	a	a	DET
ajbmeb-502	133	3	self	self	NOUN
ajbmeb-502	133	4	-	-	PUNCT
ajbmeb-502	133	5	administered	administer	VERB
ajbmeb-502	133	6	,	,	PUNCT
ajbmeb-502	133	7	structured	structured	ADJ
ajbmeb-502	133	8	questionnaire	questionnaire	NOUN
ajbmeb-502	133	9	,	,	PUNCT
ajbmeb-502	133	10	primary	primary	ADJ
ajbmeb-502	133	11	data	datum	NOUN
ajbmeb-502	133	12	were	be	AUX
ajbmeb-502	133	13	gathered	gather	VERB
ajbmeb-502	133	14	.	.	PUNCT
ajbmeb-502	134	1	the	the	DET
ajbmeb-502	134	2	study	study	NOUN
ajbmeb-502	134	3	used	use	VERB
ajbmeb-502	134	4	a	a	DET
ajbmeb-502	134	5	cross	cross	ADJ
ajbmeb-502	134	6	-	-	ADJ
ajbmeb-502	134	7	sectional	sectional	ADJ
ajbmeb-502	134	8	research	research	NOUN
ajbmeb-502	134	9	design	design	NOUN
ajbmeb-502	134	10	.	.	PUNCT
ajbmeb-502	135	1	this	this	DET
ajbmeb-502	135	2	study	study	NOUN
ajbmeb-502	135	3	's	's	PART
ajbmeb-502	135	4	population	population	NOUN
ajbmeb-502	135	5	consisted	consist	VERB
ajbmeb-502	135	6	of	of	ADP
ajbmeb-502	135	7	three	three	NUM
ajbmeb-502	135	8	hundred	hundred	NUM
ajbmeb-502	135	9	and	and	CCONJ
ajbmeb-502	135	10	twenty	twenty	NUM
ajbmeb-502	135	11	(	(	PUNCT
ajbmeb-502	135	12	320	320	NUM
ajbmeb-502	135	13	)	)	PUNCT
ajbmeb-502	135	14	accessible	accessible	ADJ
ajbmeb-502	135	15	customers	customer	NOUN
ajbmeb-502	135	16	of	of	ADP
ajbmeb-502	135	17	sixteen	sixteen	NUM
ajbmeb-502	135	18	(	(	PUNCT
ajbmeb-502	135	19	16	16	NUM
ajbmeb-502	135	20	)	)	PUNCT
ajbmeb-502	135	21	registered	register	VERB
ajbmeb-502	135	22	deposit	deposit	NOUN
ajbmeb-502	135	23	money	money	NOUN
ajbmeb-502	135	24	banks	bank	NOUN
ajbmeb-502	135	25	in	in	ADP
ajbmeb-502	135	26	yenagoa	yenagoa	PROPN
ajbmeb-502	135	27	,	,	PUNCT
ajbmeb-502	135	28	bayelsa	bayelsa	NOUN
ajbmeb-502	135	29	state	state	NOUN
ajbmeb-502	135	30	.	.	PUNCT
ajbmeb-502	136	1	using	use	VERB
ajbmeb-502	136	2	the	the	DET
ajbmeb-502	136	3	taro	taro	NOUN
ajbmeb-502	136	4	yamane	yamane	NOUN
ajbmeb-502	136	5	sample	sample	NOUN
ajbmeb-502	136	6	size	size	NOUN
ajbmeb-502	136	7	determination	determination	NOUN
ajbmeb-502	136	8	formula	formula	NOUN
ajbmeb-502	136	9	,	,	PUNCT
ajbmeb-502	136	10	178	178	NUM
ajbmeb-502	136	11	-	-	PUNCT
ajbmeb-502	136	12	person	person	NOUN
ajbmeb-502	136	13	sample	sample	NOUN
ajbmeb-502	136	14	was	be	AUX
ajbmeb-502	136	15	chosen	choose	VERB
ajbmeb-502	136	16	.	.	PUNCT
ajbmeb-502	137	1	spearman	spearman	NOUN
ajbmeb-502	137	2	rank	rank	PROPN
ajbmeb-502	137	3	order	order	NOUN
ajbmeb-502	137	4	correlation	correlation	NOUN
ajbmeb-502	137	5	co	co	VERB
ajbmeb-502	137	6	-	-	ADJ
ajbmeb-502	137	7	efficient	efficient	ADJ
ajbmeb-502	137	8	was	be	AUX
ajbmeb-502	137	9	used	use	VERB
ajbmeb-502	137	10	to	to	PART
ajbmeb-502	137	11	analyze	analyze	VERB
ajbmeb-502	137	12	and	and	CCONJ
ajbmeb-502	137	13	test	test	VERB
ajbmeb-502	137	14	the	the	DET
ajbmeb-502	137	15	formulated	formulate	VERB
ajbmeb-502	137	16	hypotheses	hypothesis	NOUN
ajbmeb-502	137	17	.	.	PUNCT
ajbmeb-502	138	1	data	datum	NOUN
ajbmeb-502	138	2	analysis	analysis	NOUN
ajbmeb-502	138	3	and	and	CCONJ
ajbmeb-502	138	4	result	result	VERB
ajbmeb-502	138	5	in	in	ADP
ajbmeb-502	138	6	this	this	DET
ajbmeb-502	138	7	section	section	NOUN
ajbmeb-502	138	8	,	,	PUNCT
ajbmeb-502	138	9	we	we	PRON
ajbmeb-502	138	10	present	present	VERB
ajbmeb-502	138	11	and	and	CCONJ
ajbmeb-502	138	12	analyse	analyse	VERB
ajbmeb-502	138	13	empirical	empirical	ADJ
ajbmeb-502	138	14	data	datum	NOUN
ajbmeb-502	138	15	which	which	PRON
ajbmeb-502	138	16	has	have	AUX
ajbmeb-502	138	17	been	be	AUX
ajbmeb-502	138	18	collected	collect	VERB
ajbmeb-502	138	19	through	through	ADP
ajbmeb-502	138	20	questionnaire	questionnaire	NOUN
ajbmeb-502	138	21	survey	survey	NOUN
ajbmeb-502	138	22	.	.	PUNCT
ajbmeb-502	139	1	we	we	PRON
ajbmeb-502	139	2	also	also	ADV
ajbmeb-502	139	3	look	look	VERB
ajbmeb-502	139	4	at	at	ADP
ajbmeb-502	139	5	the	the	DET
ajbmeb-502	139	6	reliability	reliability	NOUN
ajbmeb-502	139	7	of	of	ADP
ajbmeb-502	139	8	measures	measure	NOUN
ajbmeb-502	139	9	.	.	PUNCT
ajbmeb-502	140	1	after	after	ADP
ajbmeb-502	140	2	that	that	PRON
ajbmeb-502	140	3	,	,	PUNCT
ajbmeb-502	140	4	the	the	DET
ajbmeb-502	140	5	calculation	calculation	NOUN
ajbmeb-502	140	6	of	of	ADP
ajbmeb-502	140	7	the	the	DET
ajbmeb-502	140	8	correlation	correlation	NOUN
ajbmeb-502	140	9	between	between	ADP
ajbmeb-502	140	10	measures	measure	NOUN
ajbmeb-502	140	11	of	of	ADP
ajbmeb-502	140	12	ease	ease	NOUN
ajbmeb-502	140	13	-	-	PUNCT
ajbmeb-502	140	14	of	of	ADP
ajbmeb-502	140	15	retrieval	retrieval	NOUN
ajbmeb-502	140	16	and	and	CCONJ
ajbmeb-502	140	17	automatic	automatic	ADJ
ajbmeb-502	140	18	input	input	NOUN
ajbmeb-502	140	19	in	in	ADP
ajbmeb-502	140	20	judgment	judgment	NOUN
ajbmeb-502	140	21	are	be	AUX
ajbmeb-502	140	22	presented	present	VERB
ajbmeb-502	140	23	and	and	CCONJ
ajbmeb-502	140	24	analysed	analyse	VERB
ajbmeb-502	140	25	,	,	PUNCT
ajbmeb-502	140	26	this	this	PRON
ajbmeb-502	140	27	will	will	AUX
ajbmeb-502	140	28	follow	follow	VERB
ajbmeb-502	140	29	the	the	DET
ajbmeb-502	140	30	presentation	presentation	NOUN
ajbmeb-502	140	31	and	and	CCONJ
ajbmeb-502	140	32	analysis	analysis	NOUN
ajbmeb-502	140	33	of	of	ADP
ajbmeb-502	140	34	hypothesis	hypothesis	NOUN
ajbmeb-502	140	35	testing	testing	NOUN
ajbmeb-502	140	36	which	which	PRON
ajbmeb-502	140	37	determined	determine	VERB
ajbmeb-502	140	38	whether	whether	SCONJ
ajbmeb-502	140	39	the	the	DET
ajbmeb-502	140	40	hypotheses	hypothesis	NOUN
ajbmeb-502	140	41	for	for	ADP
ajbmeb-502	140	42	this	this	DET
ajbmeb-502	140	43	study	study	NOUN
ajbmeb-502	140	44	is	be	AUX
ajbmeb-502	140	45	accepted	accept	VERB
ajbmeb-502	140	46	or	or	CCONJ
ajbmeb-502	140	47	rejected	reject	VERB
ajbmeb-502	140	48	.	.	PUNCT
ajbmeb-502	141	1	relationship	relationship	NOUN
ajbmeb-502	141	2	between	between	ADP
ajbmeb-502	141	3	mobile	mobile	ADJ
ajbmeb-502	141	4	apps	app	NOUN
ajbmeb-502	141	5	and	and	CCONJ
ajbmeb-502	141	6	customer	customer	NOUN
ajbmeb-502	141	7	attitude	attitude	NOUN
ajbmeb-502	141	8	h01	h01	NOUN
ajbmeb-502	141	9	:	:	PUNCT
ajbmeb-502	141	10	there	there	PRON
ajbmeb-502	141	11	is	be	VERB
ajbmeb-502	141	12	no	no	DET
ajbmeb-502	141	13	significant	significant	ADJ
ajbmeb-502	141	14	relationship	relationship	NOUN
ajbmeb-502	141	15	between	between	ADP
ajbmeb-502	141	16	mobile	mobile	ADJ
ajbmeb-502	141	17	apps	app	NOUN
ajbmeb-502	141	18	and	and	CCONJ
ajbmeb-502	141	19	customer	customer	NOUN
ajbmeb-502	141	20	defections	defection	NOUN
ajbmeb-502	141	21	of	of	ADP
ajbmeb-502	141	22	money	money	NOUN
ajbmeb-502	141	23	deposit	deposit	NOUN
ajbmeb-502	141	24	banks	bank	NOUN
ajbmeb-502	141	25	in	in	ADP
ajbmeb-502	141	26	yenagoa	yenagoa	PROPN
ajbmeb-502	141	27	,	,	PUNCT
ajbmeb-502	141	28	bayelsa	bayelsa	NOUN
ajbmeb-502	141	29	state	state	NOUN
ajbmeb-502	141	30	.	.	PUNCT
ajbmeb-502	142	1	h02	h02	PROPN
ajbmeb-502	142	2	:	:	PUNCT
ajbmeb-502	142	3	there	there	PRON
ajbmeb-502	142	4	is	be	VERB
ajbmeb-502	142	5	no	no	DET
ajbmeb-502	142	6	significant	significant	ADJ
ajbmeb-502	142	7	relationship	relationship	NOUN
ajbmeb-502	142	8	between	between	ADP
ajbmeb-502	142	9	mobile	mobile	ADJ
ajbmeb-502	142	10	apps	app	NOUN
ajbmeb-502	142	11	and	and	CCONJ
ajbmeb-502	142	12	negative	negative	ADJ
ajbmeb-502	142	13	word	word	NOUN
ajbmeb-502	142	14	of	of	ADP
ajbmeb-502	142	15	mouth	mouth	NOUN
ajbmeb-502	142	16	of	of	ADP
ajbmeb-502	142	17	money	money	NOUN
ajbmeb-502	142	18	deposit	deposit	NOUN
ajbmeb-502	142	19	banks	bank	NOUN
ajbmeb-502	142	20	in	in	ADP
ajbmeb-502	142	21	yenagoa	yenagoa	PROPN
ajbmeb-502	142	22	,	,	PUNCT
ajbmeb-502	142	23	bayelsa	bayelsa	NOUN
ajbmeb-502	142	24	state	state	NOUN
ajbmeb-502	142	25	.	.	PUNCT
ajbmeb-502	143	1	american	american	PROPN
ajbmeb-502	143	2	journal	journal	PROPN
ajbmeb-502	143	3	of	of	ADP
ajbmeb-502	143	4	business	business	NOUN
ajbmeb-502	143	5	management	management	NOUN
ajbmeb-502	143	6	,	,	PUNCT
ajbmeb-502	143	7	economics	economic	NOUN
ajbmeb-502	143	8	and	and	CCONJ
ajbmeb-502	143	9	banking	banking	NOUN
ajbmeb-502	143	10	volume	volume	NOUN
ajbmeb-502	143	11	10	10	NUM
ajbmeb-502	143	12	march	march	NOUN
ajbmeb-502	143	13	,	,	PUNCT
ajbmeb-502	143	14	2023	2023	NUM
ajbmeb-502	143	15	p	p	NOUN
ajbmeb-502	143	16	a	a	PRON
ajbmeb-502	143	17	g	g	NOUN
ajbmeb-502	143	18	e	e	NOUN
ajbmeb-502	143	19	|	|	NOUN
ajbmeb-502	143	20	103	103	NUM
ajbmeb-502	143	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	143	22	correlation	correlation	NOUN
ajbmeb-502	143	23	between	between	ADP
ajbmeb-502	143	24	mobile	mobile	ADJ
ajbmeb-502	143	25	apps	app	NOUN
ajbmeb-502	143	26	and	and	CCONJ
ajbmeb-502	143	27	customer	customer	NOUN
ajbmeb-502	143	28	attitude	attitude	NOUN
ajbmeb-502	143	29	mobile	mobile	ADJ
ajbmeb-502	143	30	apps	app	NOUN
ajbmeb-502	143	31	customer	customer	NOUN
ajbmeb-502	143	32	defections	defection	VERB
ajbmeb-502	143	33	negative	negative	ADJ
ajbmeb-502	143	34	word	word	NOUN
ajbmeb-502	143	35	of	of	ADP
ajbmeb-502	143	36	mouth	mouth	NOUN
ajbmeb-502	143	37	spearman	spearman	NOUN
ajbmeb-502	143	38	's	's	PART
ajbmeb-502	143	39	rho	rho	ADJ
ajbmeb-502	143	40	mobile	mobile	ADJ
ajbmeb-502	143	41	apps	app	NOUN
ajbmeb-502	143	42	correlation	correlation	NOUN
ajbmeb-502	143	43	coefficient	coefficient	VERB
ajbmeb-502	143	44	1.000	1.000	NUM
ajbmeb-502	143	45	.970	.970	NOUN
ajbmeb-502	143	46	*	*	NOUN
ajbmeb-502	143	47	*	*	NOUN
ajbmeb-502	143	48	.988	.988	NUM
ajbmeb-502	143	49	*	*	PUNCT
ajbmeb-502	143	50	*	*	X
ajbmeb-502	143	51	sig	sig	X
ajbmeb-502	143	52	.	.	PUNCT
ajbmeb-502	144	1	(	(	PUNCT
ajbmeb-502	144	2	2	2	NUM
ajbmeb-502	144	3	-	-	PUNCT
ajbmeb-502	144	4	tailed	tailed	ADJ
ajbmeb-502	144	5	)	)	PUNCT
ajbmeb-502	144	6	.	.	PUNCT
ajbmeb-502	145	1	.000	.000	NUM
ajbmeb-502	145	2	.000	.000	NUM
ajbmeb-502	145	3	n	n	DET
ajbmeb-502	145	4	168	168	NUM
ajbmeb-502	145	5	168	168	NUM
ajbmeb-502	145	6	168	168	NUM
ajbmeb-502	145	7	customer	customer	NOUN
ajbmeb-502	145	8	defections	defection	NOUN
ajbmeb-502	145	9	correlation	correlation	NOUN
ajbmeb-502	145	10	coefficient	coefficient	NOUN
ajbmeb-502	145	11	.970	.970	NOUN
ajbmeb-502	145	12	*	*	PROPN
ajbmeb-502	145	13	*	*	NOUN
ajbmeb-502	145	14	1.000	1.000	NUM
ajbmeb-502	145	15	.968	.968	NUM
ajbmeb-502	145	16	*	*	PUNCT
ajbmeb-502	145	17	*	*	X
ajbmeb-502	145	18	sig	sig	X
ajbmeb-502	145	19	.	.	PUNCT
ajbmeb-502	146	1	(	(	PUNCT
ajbmeb-502	146	2	2	2	NUM
ajbmeb-502	146	3	-	-	PUNCT
ajbmeb-502	146	4	tailed	tailed	ADJ
ajbmeb-502	146	5	)	)	PUNCT
ajbmeb-502	146	6	.000	.000	NUM
ajbmeb-502	146	7	.	.	PUNCT
ajbmeb-502	147	1	.000	.000	NUM
ajbmeb-502	148	1	n	n	PRON
ajbmeb-502	148	2	168	168	NUM
ajbmeb-502	148	3	168	168	NUM
ajbmeb-502	148	4	168	168	NUM
ajbmeb-502	148	5	negative	negative	ADJ
ajbmeb-502	148	6	word	word	NOUN
ajbmeb-502	148	7	of	of	ADP
ajbmeb-502	148	8	mouth	mouth	NOUN
ajbmeb-502	148	9	correlation	correlation	NOUN
ajbmeb-502	148	10	coefficient	coefficient	NOUN
ajbmeb-502	148	11	.988	.988	NUM
ajbmeb-502	148	12	*	*	NOUN
ajbmeb-502	148	13	*	*	NOUN
ajbmeb-502	148	14	.968	.968	NUM
ajbmeb-502	148	15	*	*	PUNCT
ajbmeb-502	148	16	*	*	PROPN
ajbmeb-502	148	17	1.000	1.000	NUM
ajbmeb-502	148	18	sig	sig	NOUN
ajbmeb-502	148	19	.	.	PUNCT
ajbmeb-502	149	1	(	(	PUNCT
ajbmeb-502	149	2	2	2	NUM
ajbmeb-502	149	3	-	-	PUNCT
ajbmeb-502	149	4	tailed	tailed	ADJ
ajbmeb-502	149	5	)	)	PUNCT
ajbmeb-502	149	6	.000	.000	NUM
ajbmeb-502	149	7	.000	.000	NUM
ajbmeb-502	149	8	.	.	PUNCT
ajbmeb-502	150	1	n	n	PRON
ajbmeb-502	150	2	168	168	NUM
ajbmeb-502	150	3	168	168	NUM
ajbmeb-502	150	4	168	168	NUM
ajbmeb-502	150	5	*	*	PUNCT
ajbmeb-502	150	6	*	*	NOUN
ajbmeb-502	150	7	.	.	PUNCT
ajbmeb-502	151	1	correlation	correlation	NOUN
ajbmeb-502	151	2	is	be	AUX
ajbmeb-502	151	3	significant	significant	ADJ
ajbmeb-502	151	4	at	at	ADP
ajbmeb-502	151	5	the	the	DET
ajbmeb-502	151	6	0.01	0.01	NUM
ajbmeb-502	151	7	level	level	NOUN
ajbmeb-502	151	8	(	(	PUNCT
ajbmeb-502	151	9	2	2	NUM
ajbmeb-502	151	10	-	-	PUNCT
ajbmeb-502	151	11	tailed	tailed	ADJ
ajbmeb-502	151	12	)	)	PUNCT
ajbmeb-502	151	13	.	.	PUNCT
ajbmeb-502	152	1	source	source	NOUN
ajbmeb-502	152	2	:	:	PUNCT
ajbmeb-502	152	3	spss	spss	PROPN
ajbmeb-502	152	4	output	output	NOUN
ajbmeb-502	152	5	,	,	PUNCT
ajbmeb-502	152	6	2023	2023	NUM
ajbmeb-502	152	7	the	the	DET
ajbmeb-502	152	8	test	test	NOUN
ajbmeb-502	152	9	of	of	ADP
ajbmeb-502	152	10	hypothesis	hypothesis	NOUN
ajbmeb-502	152	11	one	one	NUM
ajbmeb-502	152	12	and	and	CCONJ
ajbmeb-502	152	13	two	two	NUM
ajbmeb-502	152	14	,	,	PUNCT
ajbmeb-502	152	15	as	as	SCONJ
ajbmeb-502	152	16	shown	show	VERB
ajbmeb-502	152	17	in	in	ADP
ajbmeb-502	152	18	the	the	DET
ajbmeb-502	152	19	table	table	NOUN
ajbmeb-502	152	20	above	above	ADV
ajbmeb-502	152	21	,	,	PUNCT
ajbmeb-502	152	22	the	the	DET
ajbmeb-502	152	23	spss	spss	PROPN
ajbmeb-502	152	24	output	output	NOUN
ajbmeb-502	152	25	reveals	reveal	VERB
ajbmeb-502	152	26	that	that	SCONJ
ajbmeb-502	152	27	significant	significant	ADJ
ajbmeb-502	152	28	level	level	NOUN
ajbmeb-502	152	29	(	(	PUNCT
ajbmeb-502	152	30	sig	sig	NOUN
ajbmeb-502	152	31	)	)	PUNCT
ajbmeb-502	152	32	=	=	SYM
ajbmeb-502	152	33	0.000	0.000	NUM
ajbmeb-502	152	34	which	which	PRON
ajbmeb-502	152	35	implies	imply	VERB
ajbmeb-502	152	36	that	that	SCONJ
ajbmeb-502	152	37	(	(	PUNCT
ajbmeb-502	152	38	sig<0.01	sig<0.01	NOUN
ajbmeb-502	152	39	)	)	PUNCT
ajbmeb-502	152	40	while	while	SCONJ
ajbmeb-502	152	41	spearman	spearman	NOUN
ajbmeb-502	152	42	correlation	correlation	NOUN
ajbmeb-502	152	43	coefficient	coefficient	NOUN
ajbmeb-502	152	44	(	(	PUNCT
ajbmeb-502	152	45	rho	rho	ADJ
ajbmeb-502	152	46	)	)	PUNCT
ajbmeb-502	152	47	=	=	SYM
ajbmeb-502	152	48	(	(	PUNCT
ajbmeb-502	152	49	0.970	0.970	NUM
ajbmeb-502	152	50	,	,	PUNCT
ajbmeb-502	152	51	0.988	0.988	NUM
ajbmeb-502	152	52	)	)	PUNCT
ajbmeb-502	152	53	also	also	ADV
ajbmeb-502	152	54	indicates	indicate	VERB
ajbmeb-502	152	55	that	that	SCONJ
ajbmeb-502	152	56	mobile	mobile	ADJ
ajbmeb-502	152	57	apps	app	NOUN
ajbmeb-502	152	58	has	have	VERB
ajbmeb-502	152	59	strong	strong	ADJ
ajbmeb-502	152	60	and	and	CCONJ
ajbmeb-502	152	61	positive	positive	ADJ
ajbmeb-502	152	62	correlation	correlation	NOUN
ajbmeb-502	152	63	with	with	ADP
ajbmeb-502	152	64	customer	customer	NOUN
ajbmeb-502	152	65	attitude	attitude	NOUN
ajbmeb-502	152	66	.	.	PUNCT
ajbmeb-502	153	1	we	we	PRON
ajbmeb-502	153	2	therefore	therefore	ADV
ajbmeb-502	153	3	reject	reject	VERB
ajbmeb-502	153	4	the	the	DET
ajbmeb-502	153	5	null	null	ADJ
ajbmeb-502	153	6	hypotheses	hypothesis	NOUN
ajbmeb-502	153	7	and	and	CCONJ
ajbmeb-502	153	8	accept	accept	VERB
ajbmeb-502	153	9	the	the	DET
ajbmeb-502	153	10	alternative	alternative	ADJ
ajbmeb-502	153	11	hypotheses	hypothesis	NOUN
ajbmeb-502	153	12	which	which	PRON
ajbmeb-502	153	13	state	state	NOUN
ajbmeb-502	153	14	that	that	SCONJ
ajbmeb-502	153	15	there	there	PRON
ajbmeb-502	153	16	is	be	VERB
ajbmeb-502	153	17	a	a	DET
ajbmeb-502	153	18	significant	significant	ADJ
ajbmeb-502	153	19	relationship	relationship	NOUN
ajbmeb-502	153	20	between	between	ADP
ajbmeb-502	153	21	mobile	mobile	ADJ
ajbmeb-502	153	22	apps	app	NOUN
ajbmeb-502	153	23	and	and	CCONJ
ajbmeb-502	153	24	customer	customer	NOUN
ajbmeb-502	153	25	attitude	attitude	NOUN
ajbmeb-502	153	26	of	of	ADP
ajbmeb-502	153	27	money	money	NOUN
ajbmeb-502	153	28	deposit	deposit	NOUN
ajbmeb-502	153	29	banks	bank	NOUN
ajbmeb-502	153	30	in	in	ADP
ajbmeb-502	153	31	yenagoa	yenagoa	PROPN
ajbmeb-502	153	32	,	,	PUNCT
ajbmeb-502	153	33	bayelsa	bayelsa	NOUN
ajbmeb-502	153	34	state	state	NOUN
ajbmeb-502	153	35	.	.	PUNCT
ajbmeb-502	154	1	relationship	relationship	NOUN
ajbmeb-502	154	2	between	between	ADP
ajbmeb-502	154	3	point	point	NOUN
ajbmeb-502	154	4	of	of	ADP
ajbmeb-502	154	5	sale	sale	NOUN
ajbmeb-502	154	6	terminal	terminal	NOUN
ajbmeb-502	154	7	and	and	CCONJ
ajbmeb-502	154	8	customer	customer	NOUN
ajbmeb-502	154	9	attitude	attitude	NOUN
ajbmeb-502	154	10	h03	h03	NOUN
ajbmeb-502	154	11	:	:	PUNCT
ajbmeb-502	154	12	there	there	PRON
ajbmeb-502	154	13	is	be	VERB
ajbmeb-502	154	14	no	no	DET
ajbmeb-502	154	15	significant	significant	ADJ
ajbmeb-502	154	16	relationship	relationship	NOUN
ajbmeb-502	154	17	between	between	ADP
ajbmeb-502	154	18	point	point	NOUN
ajbmeb-502	154	19	of	of	ADP
ajbmeb-502	154	20	sale	sale	NOUN
ajbmeb-502	154	21	terminal	terminal	NOUN
ajbmeb-502	154	22	and	and	CCONJ
ajbmeb-502	154	23	customer	customer	NOUN
ajbmeb-502	154	24	defections	defection	NOUN
ajbmeb-502	154	25	of	of	ADP
ajbmeb-502	154	26	money	money	NOUN
ajbmeb-502	154	27	deposit	deposit	NOUN
ajbmeb-502	154	28	banks	bank	NOUN
ajbmeb-502	154	29	in	in	ADP
ajbmeb-502	154	30	yenagoa	yenagoa	PROPN
ajbmeb-502	154	31	,	,	PUNCT
ajbmeb-502	154	32	bayelsa	bayelsa	NOUN
ajbmeb-502	154	33	state	state	NOUN
ajbmeb-502	154	34	.	.	PUNCT
ajbmeb-502	155	1	h04	h04	PROPN
ajbmeb-502	155	2	:	:	PUNCT
ajbmeb-502	155	3	there	there	PRON
ajbmeb-502	155	4	is	be	VERB
ajbmeb-502	155	5	no	no	DET
ajbmeb-502	155	6	significant	significant	ADJ
ajbmeb-502	155	7	relationship	relationship	NOUN
ajbmeb-502	155	8	between	between	ADP
ajbmeb-502	155	9	point	point	NOUN
ajbmeb-502	155	10	of	of	ADP
ajbmeb-502	155	11	sale	sale	NOUN
ajbmeb-502	155	12	terminal	terminal	NOUN
ajbmeb-502	155	13	and	and	CCONJ
ajbmeb-502	155	14	negative	negative	ADJ
ajbmeb-502	155	15	word	word	NOUN
ajbmeb-502	155	16	of	of	ADP
ajbmeb-502	155	17	mouth	mouth	NOUN
ajbmeb-502	155	18	of	of	ADP
ajbmeb-502	155	19	money	money	NOUN
ajbmeb-502	155	20	deposit	deposit	NOUN
ajbmeb-502	155	21	banks	bank	NOUN
ajbmeb-502	155	22	in	in	ADP
ajbmeb-502	155	23	yenagoa	yenagoa	PROPN
ajbmeb-502	155	24	,	,	PUNCT
ajbmeb-502	155	25	bayelsa	bayelsa	NOUN
ajbmeb-502	155	26	state	state	NOUN
ajbmeb-502	155	27	.	.	PUNCT
ajbmeb-502	156	1	correlation	correlation	NOUN
ajbmeb-502	156	2	between	between	ADP
ajbmeb-502	156	3	point	point	NOUN
ajbmeb-502	156	4	of	of	ADP
ajbmeb-502	156	5	sale	sale	NOUN
ajbmeb-502	156	6	terminal	terminal	NOUN
ajbmeb-502	156	7	and	and	CCONJ
ajbmeb-502	156	8	customer	customer	NOUN
ajbmeb-502	156	9	attitude	attitude	NOUN
ajbmeb-502	156	10	point	point	NOUN
ajbmeb-502	156	11	of	of	ADP
ajbmeb-502	156	12	sale	sale	NOUN
ajbmeb-502	156	13	terminal	terminal	NOUN
ajbmeb-502	156	14	customer	customer	NOUN
ajbmeb-502	156	15	defections	defection	VERB
ajbmeb-502	156	16	negative	negative	ADJ
ajbmeb-502	156	17	word	word	NOUN
ajbmeb-502	156	18	of	of	ADP
ajbmeb-502	156	19	mouth	mouth	NOUN
ajbmeb-502	156	20	spearman	spearman	NOUN
ajbmeb-502	156	21	's	's	PART
ajbmeb-502	156	22	rho	rho	ADJ
ajbmeb-502	156	23	point	point	NOUN
ajbmeb-502	156	24	of	of	ADP
ajbmeb-502	156	25	sale	sale	NOUN
ajbmeb-502	156	26	terminal	terminal	NOUN
ajbmeb-502	156	27	correlation	correlation	NOUN
ajbmeb-502	156	28	coefficient	coefficient	NOUN
ajbmeb-502	156	29	1.000	1.000	NUM
ajbmeb-502	156	30	.991	.991	NUM
ajbmeb-502	156	31	*	*	PUNCT
ajbmeb-502	157	1	*	*	NOUN
ajbmeb-502	158	1	.964	.964	NUM
ajbmeb-502	158	2	*	*	PUNCT
ajbmeb-502	158	3	*	*	PUNCT
ajbmeb-502	158	4	sig	sig	X
ajbmeb-502	158	5	.	.	PUNCT
ajbmeb-502	159	1	(	(	PUNCT
ajbmeb-502	159	2	2	2	NUM
ajbmeb-502	159	3	-	-	PUNCT
ajbmeb-502	159	4	tailed	tailed	ADJ
ajbmeb-502	159	5	)	)	PUNCT
ajbmeb-502	159	6	.	.	PUNCT
ajbmeb-502	160	1	.000	.000	NUM
ajbmeb-502	160	2	.000	.000	NUM
ajbmeb-502	160	3	n	n	DET
ajbmeb-502	160	4	168	168	NUM
ajbmeb-502	160	5	168	168	NUM
ajbmeb-502	160	6	168	168	NUM
ajbmeb-502	160	7	customer	customer	NOUN
ajbmeb-502	160	8	defections	defection	NOUN
ajbmeb-502	160	9	correlation	correlation	NOUN
ajbmeb-502	160	10	coefficient	coefficient	NOUN
ajbmeb-502	160	11	.991	.991	NUM
ajbmeb-502	160	12	*	*	PUNCT
ajbmeb-502	160	13	*	*	NOUN
ajbmeb-502	160	14	1.000	1.000	NUM
ajbmeb-502	160	15	.968	.968	NUM
ajbmeb-502	160	16	*	*	PUNCT
ajbmeb-502	160	17	*	*	X
ajbmeb-502	160	18	sig	sig	X
ajbmeb-502	160	19	.	.	PUNCT
ajbmeb-502	161	1	(	(	PUNCT
ajbmeb-502	161	2	2	2	NUM
ajbmeb-502	161	3	-	-	PUNCT
ajbmeb-502	161	4	tailed	tailed	ADJ
ajbmeb-502	161	5	)	)	PUNCT
ajbmeb-502	161	6	.000	.000	NUM
ajbmeb-502	161	7	.	.	PUNCT
ajbmeb-502	162	1	.000	.000	NUM
ajbmeb-502	163	1	n	n	PRON
ajbmeb-502	163	2	168	168	NUM
ajbmeb-502	163	3	168	168	NUM
ajbmeb-502	163	4	168	168	NUM
ajbmeb-502	163	5	negative	negative	ADJ
ajbmeb-502	163	6	word	word	NOUN
ajbmeb-502	163	7	of	of	ADP
ajbmeb-502	163	8	mouth	mouth	NOUN
ajbmeb-502	163	9	correlation	correlation	NOUN
ajbmeb-502	163	10	coefficient	coefficient	NOUN
ajbmeb-502	163	11	.964	.964	NOUN
ajbmeb-502	163	12	*	*	NOUN
ajbmeb-502	163	13	*	*	NOUN
ajbmeb-502	163	14	.968	.968	NUM
ajbmeb-502	163	15	*	*	PUNCT
ajbmeb-502	163	16	*	*	PROPN
ajbmeb-502	163	17	1.000	1.000	NUM
ajbmeb-502	163	18	sig	sig	NOUN
ajbmeb-502	163	19	.	.	PUNCT
ajbmeb-502	164	1	(	(	PUNCT
ajbmeb-502	164	2	2	2	NUM
ajbmeb-502	164	3	-	-	PUNCT
ajbmeb-502	164	4	tailed	tailed	ADJ
ajbmeb-502	164	5	)	)	PUNCT
ajbmeb-502	164	6	.000	.000	NUM
ajbmeb-502	164	7	.000	.000	NUM
ajbmeb-502	164	8	.	.	PUNCT
ajbmeb-502	165	1	n	n	PRON
ajbmeb-502	165	2	168	168	NUM
ajbmeb-502	165	3	168	168	NUM
ajbmeb-502	165	4	168	168	NUM
ajbmeb-502	165	5	*	*	PUNCT
ajbmeb-502	165	6	*	*	NOUN
ajbmeb-502	165	7	.	.	PUNCT
ajbmeb-502	166	1	correlation	correlation	NOUN
ajbmeb-502	166	2	is	be	AUX
ajbmeb-502	166	3	significant	significant	ADJ
ajbmeb-502	166	4	at	at	ADP
ajbmeb-502	166	5	the	the	DET
ajbmeb-502	166	6	0.01	0.01	NUM
ajbmeb-502	166	7	level	level	NOUN
ajbmeb-502	166	8	(	(	PUNCT
ajbmeb-502	166	9	2	2	NUM
ajbmeb-502	166	10	-	-	PUNCT
ajbmeb-502	166	11	tailed	tailed	ADJ
ajbmeb-502	166	12	)	)	PUNCT
ajbmeb-502	166	13	.	.	PUNCT
ajbmeb-502	167	1	american	american	PROPN
ajbmeb-502	167	2	journal	journal	PROPN
ajbmeb-502	167	3	of	of	ADP
ajbmeb-502	167	4	business	business	NOUN
ajbmeb-502	167	5	management	management	NOUN
ajbmeb-502	167	6	,	,	PUNCT
ajbmeb-502	167	7	economics	economic	NOUN
ajbmeb-502	167	8	and	and	CCONJ
ajbmeb-502	167	9	banking	banking	NOUN
ajbmeb-502	167	10	volume	volume	NOUN
ajbmeb-502	167	11	10	10	NUM
ajbmeb-502	167	12	march	march	NOUN
ajbmeb-502	167	13	,	,	PUNCT
ajbmeb-502	167	14	2023	2023	NUM
ajbmeb-502	167	15	p	p	NOUN
ajbmeb-502	167	16	a	a	PRON
ajbmeb-502	167	17	g	g	NOUN
ajbmeb-502	167	18	e	e	NOUN
ajbmeb-502	167	19	|	|	ADV
ajbmeb-502	167	20	104	104	NUM
ajbmeb-502	167	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-502	167	22	source	source	NOUN
ajbmeb-502	167	23	:	:	PUNCT
ajbmeb-502	167	24	spss	spss	PROPN
ajbmeb-502	167	25	output	output	NOUN
ajbmeb-502	167	26	,	,	PUNCT
ajbmeb-502	167	27	2023	2023	NUM
ajbmeb-502	167	28	the	the	DET
ajbmeb-502	167	29	test	test	NOUN
ajbmeb-502	167	30	of	of	ADP
ajbmeb-502	167	31	hypothesis	hypothesis	NOUN
ajbmeb-502	167	32	three	three	NUM
ajbmeb-502	167	33	and	and	CCONJ
ajbmeb-502	167	34	four	four	NUM
ajbmeb-502	167	35	,	,	PUNCT
ajbmeb-502	167	36	as	as	SCONJ
ajbmeb-502	167	37	shown	show	VERB
ajbmeb-502	167	38	in	in	ADP
ajbmeb-502	167	39	the	the	DET
ajbmeb-502	167	40	table	table	NOUN
ajbmeb-502	167	41	above	above	ADV
ajbmeb-502	167	42	,	,	PUNCT
ajbmeb-502	167	43	the	the	DET
ajbmeb-502	167	44	spss	spss	PROPN
ajbmeb-502	167	45	output	output	NOUN
ajbmeb-502	167	46	reveals	reveal	VERB
ajbmeb-502	167	47	that	that	SCONJ
ajbmeb-502	167	48	significant	significant	ADJ
ajbmeb-502	167	49	level	level	NOUN
ajbmeb-502	167	50	(	(	PUNCT
ajbmeb-502	167	51	sig	sig	NOUN
ajbmeb-502	167	52	)	)	PUNCT
ajbmeb-502	167	53	=	=	SYM
ajbmeb-502	167	54	0.000	0.000	NUM
ajbmeb-502	167	55	which	which	PRON
ajbmeb-502	167	56	implies	imply	VERB
ajbmeb-502	167	57	that	that	SCONJ
ajbmeb-502	167	58	(	(	PUNCT
ajbmeb-502	167	59	sig<0.01	sig<0.01	NOUN
ajbmeb-502	167	60	)	)	PUNCT
ajbmeb-502	167	61	while	while	SCONJ
ajbmeb-502	167	62	spearman	spearman	NOUN
ajbmeb-502	167	63	correlation	correlation	NOUN
ajbmeb-502	167	64	coefficient	coefficient	NOUN
ajbmeb-502	167	65	(	(	PUNCT
ajbmeb-502	167	66	rho	rho	ADJ
ajbmeb-502	167	67	)	)	PUNCT
ajbmeb-502	167	68	=	=	SYM
ajbmeb-502	167	69	(	(	PUNCT
ajbmeb-502	167	70	0.991	0.991	NUM
ajbmeb-502	167	71	,	,	PUNCT
ajbmeb-502	167	72	0.964	0.964	NUM
ajbmeb-502	167	73	)	)	PUNCT
ajbmeb-502	167	74	also	also	ADV
ajbmeb-502	167	75	indicates	indicate	VERB
ajbmeb-502	167	76	that	that	SCONJ
ajbmeb-502	167	77	point	point	NOUN
ajbmeb-502	167	78	of	of	ADP
ajbmeb-502	167	79	sale	sale	NOUN
ajbmeb-502	167	80	terminal	terminal	NOUN
ajbmeb-502	167	81	has	have	VERB
ajbmeb-502	167	82	strong	strong	ADJ
ajbmeb-502	167	83	and	and	CCONJ
ajbmeb-502	167	84	positive	positive	ADJ
ajbmeb-502	167	85	correlation	correlation	NOUN
ajbmeb-502	167	86	with	with	ADP
ajbmeb-502	167	87	customer	customer	NOUN
ajbmeb-502	167	88	attitude	attitude	NOUN
ajbmeb-502	167	89	.	.	PUNCT
ajbmeb-502	168	1	we	we	PRON
ajbmeb-502	168	2	therefore	therefore	ADV
ajbmeb-502	168	3	reject	reject	VERB
ajbmeb-502	168	4	the	the	DET
ajbmeb-502	168	5	null	null	ADJ
ajbmeb-502	168	6	hypotheses	hypothesis	NOUN
ajbmeb-502	168	7	and	and	CCONJ
ajbmeb-502	168	8	accept	accept	VERB
ajbmeb-502	168	9	the	the	DET
ajbmeb-502	168	10	alternative	alternative	ADJ
ajbmeb-502	168	11	hypotheses	hypothesis	NOUN
ajbmeb-502	168	12	which	which	PRON
ajbmeb-502	168	13	state	state	NOUN
ajbmeb-502	168	14	that	that	SCONJ
ajbmeb-502	168	15	there	there	PRON
ajbmeb-502	168	16	is	be	VERB
ajbmeb-502	168	17	a	a	DET
ajbmeb-502	168	18	significant	significant	ADJ
ajbmeb-502	168	19	relationship	relationship	NOUN
ajbmeb-502	168	20	between	between	ADP
ajbmeb-502	168	21	point	point	NOUN
ajbmeb-502	168	22	of	of	ADP
ajbmeb-502	168	23	sale	sale	NOUN
ajbmeb-502	168	24	terminal	terminal	NOUN
ajbmeb-502	168	25	and	and	CCONJ
ajbmeb-502	168	26	customer	customer	NOUN
ajbmeb-502	168	27	attitude	attitude	NOUN
ajbmeb-502	168	28	of	of	ADP
ajbmeb-502	168	29	money	money	NOUN
ajbmeb-502	168	30	deposit	deposit	NOUN
ajbmeb-502	168	31	banks	bank	NOUN
ajbmeb-502	168	32	in	in	ADP
ajbmeb-502	168	33	yenagoa	yenagoa	PROPN
ajbmeb-502	168	34	,	,	PUNCT
ajbmeb-502	168	35	bayelsa	bayelsa	NOUN
ajbmeb-502	168	36	state	state	NOUN
ajbmeb-502	168	37	.	.	PUNCT
ajbmeb-502	169	1	discussion	discussion	NOUN
ajbmeb-502	169	2	of	of	ADP
ajbmeb-502	169	3	findings	finding	NOUN
ajbmeb-502	169	4	based	base	VERB
ajbmeb-502	169	5	on	on	ADP
ajbmeb-502	169	6	the	the	DET
ajbmeb-502	169	7	results	result	NOUN
ajbmeb-502	169	8	generated	generate	VERB
ajbmeb-502	169	9	via	via	ADP
ajbmeb-502	169	10	all	all	DET
ajbmeb-502	169	11	the	the	DET
ajbmeb-502	169	12	hypotheses	hypothesis	NOUN
ajbmeb-502	169	13	,	,	PUNCT
ajbmeb-502	169	14	it	it	PRON
ajbmeb-502	169	15	showed	show	VERB
ajbmeb-502	169	16	that	that	SCONJ
ajbmeb-502	169	17	there	there	PRON
ajbmeb-502	169	18	exist	exist	VERB
ajbmeb-502	169	19	a	a	DET
ajbmeb-502	169	20	significant	significant	ADJ
ajbmeb-502	169	21	and	and	CCONJ
ajbmeb-502	169	22	positive	positive	ADJ
ajbmeb-502	169	23	correlation	correlation	NOUN
ajbmeb-502	169	24	between	between	ADP
ajbmeb-502	169	25	the	the	DET
ajbmeb-502	169	26	variables	variable	NOUN
ajbmeb-502	169	27	under	under	ADP
ajbmeb-502	169	28	study	study	NOUN
ajbmeb-502	169	29	since	since	SCONJ
ajbmeb-502	169	30	their	their	PRON
ajbmeb-502	169	31	correlations	correlation	NOUN
ajbmeb-502	169	32	from	from	ADP
ajbmeb-502	169	33	the	the	DET
ajbmeb-502	169	34	spss	spss	PROPN
ajbmeb-502	169	35	table	table	NOUN
ajbmeb-502	169	36	were	be	AUX
ajbmeb-502	169	37	*	*	NOUN
ajbmeb-502	169	38	0.970	0.970	NUM
ajbmeb-502	169	39	,	,	PUNCT
ajbmeb-502	169	40	*	*	NOUN
ajbmeb-502	169	41	0.988	0.988	NUM
ajbmeb-502	169	42	,	,	PUNCT
ajbmeb-502	169	43	*	*	NOUN
ajbmeb-502	169	44	0.991	0.991	NUM
ajbmeb-502	169	45	,	,	PUNCT
ajbmeb-502	169	46	*	*	NOUN
ajbmeb-502	169	47	0.964	0.964	NUM
ajbmeb-502	169	48	.	.	PUNCT
ajbmeb-502	170	1	from	from	ADP
ajbmeb-502	170	2	the	the	DET
ajbmeb-502	170	3	result	result	NOUN
ajbmeb-502	170	4	,	,	PUNCT
ajbmeb-502	170	5	it	it	PRON
ajbmeb-502	170	6	was	be	AUX
ajbmeb-502	170	7	apparent	apparent	ADJ
ajbmeb-502	170	8	that	that	SCONJ
ajbmeb-502	170	9	all	all	DET
ajbmeb-502	170	10	the	the	DET
ajbmeb-502	170	11	dimensions	dimension	NOUN
ajbmeb-502	170	12	of	of	ADP
ajbmeb-502	170	13	electronic	electronic	ADJ
ajbmeb-502	170	14	service	service	NOUN
ajbmeb-502	170	15	delivery	delivery	NOUN
ajbmeb-502	170	16	had	have	VERB
ajbmeb-502	170	17	positive	positive	ADJ
ajbmeb-502	170	18	correlation	correlation	NOUN
ajbmeb-502	170	19	with	with	ADP
ajbmeb-502	170	20	customer	customer	NOUN
ajbmeb-502	170	21	attitude	attitude	NOUN
ajbmeb-502	170	22	of	of	ADP
ajbmeb-502	170	23	money	money	NOUN
ajbmeb-502	170	24	deposit	deposit	NOUN
ajbmeb-502	170	25	banks	bank	NOUN
ajbmeb-502	170	26	in	in	ADP
ajbmeb-502	170	27	yenagoa	yenagoa	PROPN
ajbmeb-502	170	28	,	,	PUNCT
ajbmeb-502	170	29	bayelsa	bayelsa	NOUN
ajbmeb-502	170	30	state	state	NOUN
ajbmeb-502	170	31	.	.	PUNCT
ajbmeb-502	171	1	it	it	PRON
ajbmeb-502	171	2	is	be	AUX
ajbmeb-502	171	3	worth	worth	ADJ
ajbmeb-502	171	4	noted	note	VERB
ajbmeb-502	171	5	that	that	SCONJ
ajbmeb-502	171	6	these	these	DET
ajbmeb-502	171	7	positive	positive	ADJ
ajbmeb-502	171	8	correlations	correlation	NOUN
ajbmeb-502	171	9	cut	cut	VERB
ajbmeb-502	171	10	across	across	ADP
ajbmeb-502	171	11	all	all	DET
ajbmeb-502	171	12	the	the	DET
ajbmeb-502	171	13	measures	measure	NOUN
ajbmeb-502	171	14	attributed	attribute	VERB
ajbmeb-502	171	15	to	to	ADP
ajbmeb-502	171	16	the	the	DET
ajbmeb-502	171	17	variables	variable	NOUN
ajbmeb-502	171	18	which	which	PRON
ajbmeb-502	171	19	are	be	AUX
ajbmeb-502	171	20	found	find	VERB
ajbmeb-502	171	21	to	to	PART
ajbmeb-502	171	22	be	be	AUX
ajbmeb-502	171	23	at	at	ADP
ajbmeb-502	171	24	different	different	ADJ
ajbmeb-502	171	25	levels	level	NOUN
ajbmeb-502	171	26	.	.	PUNCT
ajbmeb-502	172	1	thus	thus	ADV
ajbmeb-502	172	2	:	:	PUNCT
ajbmeb-502	172	3	the	the	DET
ajbmeb-502	172	4	first	first	ADJ
ajbmeb-502	172	5	and	and	CCONJ
ajbmeb-502	172	6	second	second	ADJ
ajbmeb-502	172	7	hypothesis	hypothesis	NOUN
ajbmeb-502	172	8	indicated	indicate	VERB
ajbmeb-502	172	9	that	that	SCONJ
ajbmeb-502	172	10	mobile	mobile	ADJ
ajbmeb-502	172	11	apps	app	NOUN
ajbmeb-502	172	12	has	have	VERB
ajbmeb-502	172	13	a	a	DET
ajbmeb-502	172	14	positive	positive	ADJ
ajbmeb-502	172	15	linear	linear	ADJ
ajbmeb-502	172	16	notable	notable	ADJ
ajbmeb-502	172	17	correlation	correlation	NOUN
ajbmeb-502	172	18	with	with	ADP
ajbmeb-502	172	19	customer	customer	NOUN
ajbmeb-502	172	20	attitude	attitude	NOUN
ajbmeb-502	172	21	based	base	VERB
ajbmeb-502	172	22	on	on	ADP
ajbmeb-502	172	23	the	the	DET
ajbmeb-502	172	24	p	p	NOUN
ajbmeb-502	172	25	-	-	PUNCT
ajbmeb-502	172	26	value	value	NOUN
ajbmeb-502	172	27	less	less	ADJ
ajbmeb-502	172	28	than	than	ADP
ajbmeb-502	172	29	0.05	0.05	NUM
ajbmeb-502	172	30	(	(	PUNCT
ajbmeb-502	172	31	p	p	NOUN
ajbmeb-502	172	32	-	-	PUNCT
ajbmeb-502	172	33	value	value	NOUN
ajbmeb-502	172	34	=	=	NOUN
ajbmeb-502	172	35	0.000	0.000	NUM
ajbmeb-502	172	36	<	<	NOUN
ajbmeb-502	172	37	0.05	0.05	NUM
ajbmeb-502	172	38	)	)	PUNCT
ajbmeb-502	172	39	which	which	PRON
ajbmeb-502	172	40	implies	imply	VERB
ajbmeb-502	172	41	that	that	SCONJ
ajbmeb-502	172	42	both	both	DET
ajbmeb-502	172	43	variables	variable	NOUN
ajbmeb-502	172	44	have	have	VERB
ajbmeb-502	172	45	direct	direct	ADJ
ajbmeb-502	172	46	positive	positive	ADJ
ajbmeb-502	172	47	relationship	relationship	NOUN
ajbmeb-502	172	48	which	which	PRON
ajbmeb-502	172	49	moves	move	VERB
ajbmeb-502	172	50	in	in	ADP
ajbmeb-502	172	51	the	the	DET
ajbmeb-502	172	52	same	same	ADJ
ajbmeb-502	172	53	positive	positive	ADJ
ajbmeb-502	172	54	direction	direction	NOUN
ajbmeb-502	172	55	.	.	PUNCT
ajbmeb-502	173	1	the	the	DET
ajbmeb-502	173	2	third	third	ADJ
ajbmeb-502	173	3	and	and	CCONJ
ajbmeb-502	173	4	fourth	fourth	ADJ
ajbmeb-502	173	5	hypothesis	hypothesis	NOUN
ajbmeb-502	173	6	showed	show	VERB
ajbmeb-502	173	7	that	that	SCONJ
ajbmeb-502	173	8	pos	pos	NOUN
ajbmeb-502	173	9	has	have	VERB
ajbmeb-502	173	10	a	a	DET
ajbmeb-502	173	11	positive	positive	ADJ
ajbmeb-502	173	12	linear	linear	ADJ
ajbmeb-502	173	13	notable	notable	ADJ
ajbmeb-502	173	14	correlation	correlation	NOUN
ajbmeb-502	173	15	with	with	ADP
ajbmeb-502	173	16	customer	customer	NOUN
ajbmeb-502	173	17	attitude	attitude	NOUN
ajbmeb-502	173	18	based	base	VERB
ajbmeb-502	173	19	on	on	ADP
ajbmeb-502	173	20	the	the	DET
ajbmeb-502	173	21	p	p	NOUN
ajbmeb-502	173	22	-	-	PUNCT
ajbmeb-502	173	23	value	value	NOUN
ajbmeb-502	173	24	less	less	ADJ
ajbmeb-502	173	25	than	than	ADP
ajbmeb-502	173	26	0.05	0.05	NUM
ajbmeb-502	173	27	(	(	PUNCT
ajbmeb-502	173	28	p	p	NOUN
ajbmeb-502	173	29	-	-	PUNCT
ajbmeb-502	173	30	value	value	NOUN
ajbmeb-502	173	31	=	=	NOUN
ajbmeb-502	173	32	0.000	0.000	NUM
ajbmeb-502	173	33	<	<	NOUN
ajbmeb-502	173	34	0.05	0.05	NUM
ajbmeb-502	173	35	)	)	PUNCT
ajbmeb-502	173	36	which	which	PRON
ajbmeb-502	173	37	implies	imply	VERB
ajbmeb-502	173	38	that	that	SCONJ
ajbmeb-502	173	39	both	both	DET
ajbmeb-502	173	40	variables	variable	NOUN
ajbmeb-502	173	41	have	have	VERB
ajbmeb-502	173	42	direct	direct	ADJ
ajbmeb-502	173	43	positive	positive	ADJ
ajbmeb-502	173	44	relationship	relationship	NOUN
ajbmeb-502	173	45	which	which	PRON
ajbmeb-502	173	46	moves	move	VERB
ajbmeb-502	173	47	in	in	ADP
ajbmeb-502	173	48	the	the	DET
ajbmeb-502	173	49	same	same	ADJ
ajbmeb-502	173	50	positive	positive	ADJ
ajbmeb-502	173	51	direction	direction	NOUN
ajbmeb-502	173	52	.	.	PUNCT
ajbmeb-502	174	1	the	the	DET
ajbmeb-502	174	2	findings	finding	NOUN
ajbmeb-502	174	3	conforms	conform	VERB
ajbmeb-502	174	4	to	to	ADP
ajbmeb-502	174	5	the	the	DET
ajbmeb-502	174	6	findings	finding	NOUN
ajbmeb-502	174	7	calvo	calvo	NOUN
ajbmeb-502	174	8	-	-	PUNCT
ajbmeb-502	174	9	porral	porral	ADJ
ajbmeb-502	174	10	et	et	PROPN
ajbmeb-502	174	11	al	al	PROPN
ajbmeb-502	174	12	,	,	PUNCT
ajbmeb-502	174	13	(	(	PUNCT
ajbmeb-502	174	14	2017	2017	NUM
ajbmeb-502	174	15	)	)	PUNCT
ajbmeb-502	174	16	;	;	PUNCT
ajbmeb-502	174	17	san	san	PROPN
ajbmeb-502	174	18	martin	martin	PROPN
ajbmeb-502	174	19	et	et	PROPN
ajbmeb-502	174	20	al	al	PROPN
ajbmeb-502	174	21	.	.	PROPN
ajbmeb-502	175	1	(	(	PUNCT
ajbmeb-502	175	2	2015	2015	NUM
ajbmeb-502	175	3	)	)	PUNCT
ajbmeb-502	175	4	;	;	PUNCT
ajbmeb-502	175	5	ekwueme	ekwueme	NOUN
ajbmeb-502	175	6	,	,	PUNCT
ajbmeb-502	175	7	egbunike	egbunike	PROPN
ajbmeb-502	175	8	&	&	CCONJ
ajbmeb-502	175	9	okoye	okoye	PROPN
ajbmeb-502	175	10	,	,	PUNCT
ajbmeb-502	175	11	(	(	PUNCT
ajbmeb-502	175	12	2012	2012	NUM
ajbmeb-502	175	13	)	)	PUNCT
ajbmeb-502	175	14	;	;	PUNCT
ajbmeb-502	175	15	adeoti	adeoti	PROPN
ajbmeb-502	175	16	,	,	PUNCT
ajbmeb-502	175	17	(	(	PUNCT
ajbmeb-502	175	18	2013	2013	NUM
ajbmeb-502	175	19	)	)	PUNCT
ajbmeb-502	175	20	.	.	PUNCT
ajbmeb-502	176	1	conclusion	conclusion	NOUN
ajbmeb-502	176	2	the	the	DET
ajbmeb-502	176	3	study	study	NOUN
ajbmeb-502	176	4	came	come	VERB
ajbmeb-502	176	5	to	to	ADP
ajbmeb-502	176	6	the	the	DET
ajbmeb-502	176	7	conclusion	conclusion	NOUN
ajbmeb-502	176	8	that	that	SCONJ
ajbmeb-502	176	9	the	the	DET
ajbmeb-502	176	10	overall	overall	ADJ
ajbmeb-502	176	11	customer	customer	NOUN
ajbmeb-502	176	12	attitude	attitude	NOUN
ajbmeb-502	176	13	of	of	ADP
ajbmeb-502	176	14	the	the	DET
ajbmeb-502	176	15	banks	bank	NOUN
ajbmeb-502	176	16	under	under	ADP
ajbmeb-502	176	17	investigation	investigation	NOUN
ajbmeb-502	176	18	was	be	AUX
ajbmeb-502	176	19	significantly	significantly	ADV
ajbmeb-502	176	20	and	and	CCONJ
ajbmeb-502	176	21	positively	positively	ADV
ajbmeb-502	176	22	correlated	correlate	VERB
ajbmeb-502	176	23	with	with	ADP
ajbmeb-502	176	24	the	the	DET
ajbmeb-502	176	25	quality	quality	NOUN
ajbmeb-502	176	26	of	of	ADP
ajbmeb-502	176	27	e	e	NOUN
ajbmeb-502	176	28	-	-	ADJ
ajbmeb-502	176	29	banking	banking	ADJ
ajbmeb-502	176	30	service	service	NOUN
ajbmeb-502	176	31	delivery	delivery	NOUN
ajbmeb-502	176	32	.	.	PUNCT
ajbmeb-502	177	1	this	this	PRON
ajbmeb-502	177	2	could	could	AUX
ajbmeb-502	177	3	be	be	AUX
ajbmeb-502	177	4	because	because	SCONJ
ajbmeb-502	177	5	deposit	deposit	NOUN
ajbmeb-502	177	6	money	money	NOUN
ajbmeb-502	177	7	banks	bank	NOUN
ajbmeb-502	177	8	in	in	ADP
ajbmeb-502	177	9	yenagoa	yenagoa	PROPN
ajbmeb-502	177	10	may	may	AUX
ajbmeb-502	177	11	offer	offer	VERB
ajbmeb-502	177	12	e	e	NOUN
ajbmeb-502	177	13	-	-	ADJ
ajbmeb-502	177	14	banking	banking	ADJ
ajbmeb-502	177	15	services	service	NOUN
ajbmeb-502	177	16	that	that	PRON
ajbmeb-502	177	17	are	be	AUX
ajbmeb-502	177	18	more	more	ADV
ajbmeb-502	177	19	advanced	advanced	ADJ
ajbmeb-502	177	20	.	.	PUNCT
ajbmeb-502	178	1	this	this	PRON
ajbmeb-502	178	2	is	be	AUX
ajbmeb-502	178	3	one	one	NUM
ajbmeb-502	178	4	of	of	ADP
ajbmeb-502	178	5	the	the	DET
ajbmeb-502	178	6	earliest	early	ADJ
ajbmeb-502	178	7	studies	study	NOUN
ajbmeb-502	178	8	to	to	PART
ajbmeb-502	178	9	examine	examine	VERB
ajbmeb-502	178	10	the	the	DET
ajbmeb-502	178	11	efforts	effort	NOUN
ajbmeb-502	178	12	made	make	VERB
ajbmeb-502	178	13	to	to	PART
ajbmeb-502	178	14	investigate	investigate	VERB
ajbmeb-502	178	15	the	the	DET
ajbmeb-502	178	16	linkages	linkage	NOUN
ajbmeb-502	178	17	between	between	ADP
ajbmeb-502	178	18	ebanking	ebanking	ADJ
ajbmeb-502	178	19	and	and	CCONJ
ajbmeb-502	178	20	online	online	ADJ
ajbmeb-502	178	21	banking	banking	NOUN
ajbmeb-502	178	22	and	and	CCONJ
ajbmeb-502	178	23	the	the	DET
ajbmeb-502	178	24	corresponding	corresponding	ADJ
ajbmeb-502	178	25	benefits	benefit	NOUN
ajbmeb-502	178	26	,	,	PUNCT
ajbmeb-502	178	27	such	such	ADJ
ajbmeb-502	178	28	as	as	ADP
ajbmeb-502	178	29	reliability	reliability	NOUN
ajbmeb-502	178	30	and	and	CCONJ
ajbmeb-502	178	31	efficiency	efficiency	NOUN
ajbmeb-502	178	32	for	for	ADP
ajbmeb-502	178	33	mobile	mobile	ADJ
ajbmeb-502	178	34	apps	app	NOUN
ajbmeb-502	178	35	,	,	PUNCT
ajbmeb-502	178	36	and	and	CCONJ
ajbmeb-502	178	37	point	point	NOUN
ajbmeb-502	178	38	of	of	ADP
ajbmeb-502	178	39	sale	sale	NOUN
ajbmeb-502	178	40	terminals	terminal	NOUN
ajbmeb-502	178	41	,	,	PUNCT
ajbmeb-502	178	42	based	base	VERB
ajbmeb-502	178	43	on	on	ADP
ajbmeb-502	178	44	customers	customer	NOUN
ajbmeb-502	178	45	'	'	PART
ajbmeb-502	178	46	attitudes	attitude	NOUN
ajbmeb-502	178	47	.	.	PUNCT
ajbmeb-502	179	1	it	it	PRON
ajbmeb-502	179	2	confirmed	confirm	VERB
ajbmeb-502	179	3	the	the	DET
ajbmeb-502	179	4	work	work	NOUN
ajbmeb-502	179	5	of	of	ADP
ajbmeb-502	179	6	numerous	numerous	ADJ
ajbmeb-502	179	7	studies	study	NOUN
ajbmeb-502	179	8	conducted	conduct	VERB
ajbmeb-502	179	9	in	in	ADP
ajbmeb-502	179	10	this	this	DET
ajbmeb-502	179	11	area	area	NOUN
ajbmeb-502	179	12	and	and	CCONJ
ajbmeb-502	179	13	contradicted	contradict	VERB
ajbmeb-502	179	14	the	the	DET
ajbmeb-502	179	15	work	work	NOUN
ajbmeb-502	179	16	of	of	ADP
ajbmeb-502	179	17	other	other	ADJ
ajbmeb-502	179	18	authors	author	NOUN
ajbmeb-502	179	19	regarding	regard	VERB
ajbmeb-502	179	20	the	the	DET
ajbmeb-502	179	21	role	role	NOUN
ajbmeb-502	179	22	of	of	ADP
ajbmeb-502	179	23	customers	customer	NOUN
ajbmeb-502	179	24	in	in	ADP
ajbmeb-502	179	25	the	the	DET
ajbmeb-502	179	26	nigerian	nigerian	ADJ
ajbmeb-502	179	27	banking	banking	NOUN
ajbmeb-502	179	28	industry	industry	NOUN
ajbmeb-502	179	29	.	.	PUNCT
ajbmeb-502	180	1	to	to	PART
ajbmeb-502	180	2	comprehend	comprehend	VERB
ajbmeb-502	180	3	the	the	DET
ajbmeb-502	180	4	difficulties	difficulty	NOUN
ajbmeb-502	180	5	that	that	PRON
ajbmeb-502	180	6	are	be	AUX
ajbmeb-502	180	7	typically	typically	ADV
ajbmeb-502	180	8	encountered	encounter	VERB
ajbmeb-502	180	9	when	when	SCONJ
ajbmeb-502	180	10	attempting	attempt	VERB
ajbmeb-502	180	11	to	to	PART
ajbmeb-502	180	12	access	access	VERB
ajbmeb-502	180	13	online	online	ADJ
ajbmeb-502	180	14	banking	banking	NOUN
ajbmeb-502	180	15	,	,	PUNCT
ajbmeb-502	180	16	the	the	DET
ajbmeb-502	180	17	analysis	analysis	NOUN
ajbmeb-502	180	18	of	of	ADP
ajbmeb-502	180	19	the	the	DET
ajbmeb-502	180	20	drawbacks	drawback	NOUN
ajbmeb-502	180	21	is	be	AUX
ajbmeb-502	180	22	extremely	extremely	ADV
ajbmeb-502	180	23	helpful	helpful	ADJ
ajbmeb-502	180	24	.	.	PUNCT
ajbmeb-502	181	1	therefore	therefore	ADV
ajbmeb-502	181	2	,	,	PUNCT
ajbmeb-502	181	3	it	it	PRON
ajbmeb-502	181	4	is	be	AUX
ajbmeb-502	181	5	not	not	PART
ajbmeb-502	181	6	enough	enough	ADJ
ajbmeb-502	181	7	to	to	PART
ajbmeb-502	181	8	be	be	AUX
ajbmeb-502	181	9	aware	aware	ADJ
ajbmeb-502	181	10	of	of	ADP
ajbmeb-502	181	11	the	the	DET
ajbmeb-502	181	12	benefits	benefit	NOUN
ajbmeb-502	181	13	of	of	ADP
ajbmeb-502	181	14	online	online	ADJ
ajbmeb-502	181	15	banking	banking	NOUN
ajbmeb-502	181	16	or	or	CCONJ
ajbmeb-502	181	17	e	e	NOUN
ajbmeb-502	181	18	-	-	NOUN
ajbmeb-502	181	19	banking	banking	NOUN
ajbmeb-502	181	20	;	;	PUNCT
ajbmeb-502	181	21	it	it	PRON
ajbmeb-502	181	22	is	be	AUX
ajbmeb-502	181	23	equally	equally	ADV
ajbmeb-502	181	24	important	important	ADJ
ajbmeb-502	181	25	to	to	PART
ajbmeb-502	181	26	be	be	AUX
ajbmeb-502	181	27	aware	aware	ADJ
ajbmeb-502	181	28	of	of	ADP
ajbmeb-502	181	29	the	the	DET
ajbmeb-502	181	30	disadvantages	disadvantage	NOUN
ajbmeb-502	181	31	of	of	ADP
ajbmeb-502	181	32	this	this	DET
ajbmeb-502	181	33	venture	venture	NOUN
ajbmeb-502	181	34	in	in	ADP
ajbmeb-502	181	35	order	order	NOUN
ajbmeb-502	181	36	to	to	PART
ajbmeb-502	181	37	achieve	achieve	VERB
ajbmeb-502	181	38	an	an	DET
ajbmeb-502	181	39	error	error	NOUN
ajbmeb-502	181	40	-	-	PUNCT
ajbmeb-502	181	41	free	free	ADJ
ajbmeb-502	181	42	flow	flow	NOUN
ajbmeb-502	181	43	of	of	ADP
ajbmeb-502	181	44	services	service	NOUN
ajbmeb-502	181	45	in	in	ADP
ajbmeb-502	181	46	online	online	ADJ
ajbmeb-502	181	47	banking	banking	NOUN
ajbmeb-502	181	48	.	.	PUNCT
ajbmeb-502	182	1	managers	manager	NOUN
ajbmeb-502	182	2	can	can	AUX
ajbmeb-502	182	3	use	use	VERB
ajbmeb-502	182	4	the	the	DET
ajbmeb-502	182	5	findings	finding	NOUN
ajbmeb-502	182	6	of	of	ADP
ajbmeb-502	182	7	this	this	DET
ajbmeb-502	182	8	study	study	NOUN
ajbmeb-502	182	9	to	to	PART
ajbmeb-502	182	10	develop	develop	VERB
ajbmeb-502	182	11	effective	effective	ADJ
ajbmeb-502	182	12	strategies	strategy	NOUN
ajbmeb-502	182	13	to	to	PART
ajbmeb-502	182	14	avert	avert	VERB
ajbmeb-502	182	15	these	these	DET
ajbmeb-502	182	16	setbacks	setback	NOUN
ajbmeb-502	182	17	.	.	PUNCT
ajbmeb-502	183	1	american	american	PROPN
ajbmeb-502	183	2	journal	journal	PROPN
ajbmeb-502	183	3	of	of	ADP
ajbmeb-502	183	4	business	business	NOUN
ajbmeb-502	183	5	management	management	NOUN
ajbmeb-502	183	6	,	,	PUNCT
ajbmeb-502	183	7	economics	economic	NOUN
ajbmeb-502	183	8	and	and	CCONJ
ajbmeb-502	183	9	banking	banking	NOUN
ajbmeb-502	183	10	volume	volume	NOUN
ajbmeb-502	183	11	10	10	NUM
ajbmeb-502	183	12	march	march	NOUN
ajbmeb-502	183	13	,	,	PUNCT
ajbmeb-502	183	14	2023	2023	NUM
ajbmeb-502	183	15	p	p	NOUN
ajbmeb-502	183	16	a	a	PRON
ajbmeb-502	183	17	g	g	NOUN
ajbmeb-502	183	18	e	e	PROPN
ajbmeb-502	183	19	|	|	ADV
ajbmeb-502	183	20	105	105	NUM
ajbmeb-502	183	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	183	22	recommendations	recommendation	NOUN
ajbmeb-502	183	23	the	the	DET
ajbmeb-502	183	24	study	study	NOUN
ajbmeb-502	183	25	recommends	recommend	VERB
ajbmeb-502	183	26	that	that	SCONJ
ajbmeb-502	183	27	;	;	PUNCT
ajbmeb-502	183	28	i.	i.	NOUN
ajbmeb-502	183	29	it	it	PRON
ajbmeb-502	183	30	is	be	AUX
ajbmeb-502	183	31	impossible	impossible	ADJ
ajbmeb-502	183	32	to	to	PART
ajbmeb-502	183	33	overstate	overstate	VERB
ajbmeb-502	183	34	the	the	DET
ajbmeb-502	183	35	significance	significance	NOUN
ajbmeb-502	183	36	of	of	ADP
ajbmeb-502	183	37	information	information	NOUN
ajbmeb-502	183	38	technology	technology	NOUN
ajbmeb-502	183	39	(	(	PUNCT
ajbmeb-502	183	40	it	it	PRON
ajbmeb-502	183	41	)	)	PUNCT
ajbmeb-502	183	42	in	in	ADP
ajbmeb-502	183	43	the	the	DET
ajbmeb-502	183	44	financial	financial	ADJ
ajbmeb-502	183	45	industry	industry	NOUN
ajbmeb-502	183	46	.	.	PUNCT
ajbmeb-502	184	1	therefore	therefore	ADV
ajbmeb-502	184	2	,	,	PUNCT
ajbmeb-502	184	3	it	it	PRON
ajbmeb-502	184	4	is	be	AUX
ajbmeb-502	184	5	of	of	ADP
ajbmeb-502	184	6	the	the	DET
ajbmeb-502	184	7	utmost	utmost	ADJ
ajbmeb-502	184	8	importance	importance	NOUN
ajbmeb-502	184	9	that	that	SCONJ
ajbmeb-502	184	10	the	the	DET
ajbmeb-502	184	11	management	management	NOUN
ajbmeb-502	184	12	of	of	ADP
ajbmeb-502	184	13	the	the	DET
ajbmeb-502	184	14	deposit	deposit	NOUN
ajbmeb-502	184	15	money	money	NOUN
ajbmeb-502	184	16	banks	bank	NOUN
ajbmeb-502	184	17	in	in	ADP
ajbmeb-502	184	18	yenagoa	yenagoa	PROPN
ajbmeb-502	184	19	make	make	VERB
ajbmeb-502	184	20	significant	significant	ADJ
ajbmeb-502	184	21	investments	investment	NOUN
ajbmeb-502	184	22	in	in	ADP
ajbmeb-502	184	23	information	information	NOUN
ajbmeb-502	184	24	technology	technology	NOUN
ajbmeb-502	184	25	in	in	ADP
ajbmeb-502	184	26	order	order	NOUN
ajbmeb-502	184	27	to	to	PART
ajbmeb-502	184	28	further	far	ADV
ajbmeb-502	184	29	encourage	encourage	VERB
ajbmeb-502	184	30	the	the	DET
ajbmeb-502	184	31	provision	provision	NOUN
ajbmeb-502	184	32	of	of	ADP
ajbmeb-502	184	33	services	service	NOUN
ajbmeb-502	184	34	via	via	ADP
ajbmeb-502	184	35	e	e	NOUN
ajbmeb-502	184	36	-	-	NOUN
ajbmeb-502	184	37	banking	banking	NOUN
ajbmeb-502	184	38	that	that	PRON
ajbmeb-502	184	39	are	be	AUX
ajbmeb-502	184	40	both	both	CCONJ
ajbmeb-502	184	41	effective	effective	ADJ
ajbmeb-502	184	42	and	and	CCONJ
ajbmeb-502	184	43	trouble	trouble	NOUN
ajbmeb-502	184	44	-	-	PUNCT
ajbmeb-502	184	45	free	free	ADJ
ajbmeb-502	184	46	.	.	PUNCT
ajbmeb-502	185	1	ii	ii	PROPN
ajbmeb-502	185	2	.	.	PUNCT
ajbmeb-502	186	1	bank	bank	PROPN
ajbmeb-502	186	2	management	management	NOUN
ajbmeb-502	186	3	ought	ought	AUX
ajbmeb-502	186	4	to	to	PART
ajbmeb-502	186	5	try	try	VERB
ajbmeb-502	186	6	to	to	PART
ajbmeb-502	186	7	be	be	AUX
ajbmeb-502	186	8	more	more	ADV
ajbmeb-502	186	9	creative	creative	ADJ
ajbmeb-502	186	10	and	and	CCONJ
ajbmeb-502	186	11	innovative	innovative	ADJ
ajbmeb-502	186	12	in	in	ADP
ajbmeb-502	186	13	how	how	SCONJ
ajbmeb-502	186	14	they	they	PRON
ajbmeb-502	186	15	meet	meet	VERB
ajbmeb-502	186	16	the	the	DET
ajbmeb-502	186	17	needs	need	NOUN
ajbmeb-502	186	18	of	of	ADP
ajbmeb-502	186	19	customers	customer	NOUN
ajbmeb-502	186	20	.	.	PUNCT
ajbmeb-502	187	1	this	this	PRON
ajbmeb-502	187	2	can	can	AUX
ajbmeb-502	187	3	be	be	AUX
ajbmeb-502	187	4	done	do	VERB
ajbmeb-502	187	5	by	by	ADP
ajbmeb-502	187	6	providing	provide	VERB
ajbmeb-502	187	7	better	well	ADJ
ajbmeb-502	187	8	service	service	NOUN
ajbmeb-502	187	9	and	and	CCONJ
ajbmeb-502	187	10	marketing	marketing	NOUN
ajbmeb-502	187	11	strategies	strategy	NOUN
ajbmeb-502	187	12	that	that	PRON
ajbmeb-502	187	13	can	can	AUX
ajbmeb-502	187	14	increase	increase	VERB
ajbmeb-502	187	15	customer	customer	NOUN
ajbmeb-502	187	16	demand	demand	NOUN
ajbmeb-502	187	17	for	for	ADP
ajbmeb-502	187	18	and	and	CCONJ
ajbmeb-502	187	19	satisfaction	satisfaction	NOUN
ajbmeb-502	187	20	with	with	ADP
ajbmeb-502	187	21	electronic	electronic	ADJ
ajbmeb-502	187	22	banking	banking	NOUN
ajbmeb-502	187	23	services	service	NOUN
ajbmeb-502	187	24	.	.	PUNCT
ajbmeb-502	188	1	iii	iii	X
ajbmeb-502	188	2	.	.	PUNCT
ajbmeb-502	189	1	in	in	ADP
ajbmeb-502	189	2	addition	addition	NOUN
ajbmeb-502	189	3	,	,	PUNCT
ajbmeb-502	189	4	deposit	deposit	NOUN
ajbmeb-502	189	5	money	money	NOUN
ajbmeb-502	189	6	banks	bank	NOUN
ajbmeb-502	189	7	should	should	AUX
ajbmeb-502	189	8	strive	strive	VERB
ajbmeb-502	189	9	to	to	PART
ajbmeb-502	189	10	maintain	maintain	VERB
ajbmeb-502	189	11	their	their	PRON
ajbmeb-502	189	12	relatively	relatively	ADV
ajbmeb-502	189	13	higher	high	ADJ
ajbmeb-502	189	14	service	service	NOUN
ajbmeb-502	189	15	quality	quality	NOUN
ajbmeb-502	189	16	by	by	ADP
ajbmeb-502	189	17	remaining	remain	VERB
ajbmeb-502	189	18	innovative	innovative	ADJ
ajbmeb-502	189	19	and	and	CCONJ
ajbmeb-502	189	20	focusing	focus	VERB
ajbmeb-502	189	21	on	on	ADP
ajbmeb-502	189	22	their	their	PRON
ajbmeb-502	189	23	customers	customer	NOUN
ajbmeb-502	189	24	in	in	ADP
ajbmeb-502	189	25	accordance	accordance	NOUN
ajbmeb-502	189	26	with	with	ADP
ajbmeb-502	189	27	global	global	ADJ
ajbmeb-502	189	28	best	good	ADJ
ajbmeb-502	189	29	practices	practice	NOUN
ajbmeb-502	189	30	.	.	PUNCT
ajbmeb-502	190	1	references	reference	NOUN
ajbmeb-502	190	2	1	1	NUM
ajbmeb-502	190	3	.	.	PUNCT
ajbmeb-502	191	1	adebayo	adebayo	PROPN
ajbmeb-502	191	2	,	,	PUNCT
ajbmeb-502	191	3	p.	p.	PROPN
ajbmeb-502	191	4	o.	o.	PROPN
ajbmeb-502	191	5	,	,	PUNCT
ajbmeb-502	191	6	osanyinlusi	osanyinlusi	PROPN
ajbmeb-502	191	7	,	,	PUNCT
ajbmeb-502	191	8	g.	g.	PROPN
ajbmeb-502	191	9	e.	e.	PROPN
ajbmeb-502	191	10	,	,	PUNCT
ajbmeb-502	191	11	&	&	CCONJ
ajbmeb-502	191	12	adekeye	adekeye	PROPN
ajbmeb-502	191	13	,	,	PUNCT
ajbmeb-502	191	14	a.	a.	NOUN
ajbmeb-502	191	15	o.	o.	NOUN
ajbmeb-502	191	16	(	(	PUNCT
ajbmeb-502	191	17	2017	2017	NUM
ajbmeb-502	191	18	)	)	PUNCT
ajbmeb-502	191	19	.	.	PUNCT
ajbmeb-502	192	1	impact	impact	NOUN
ajbmeb-502	192	2	of	of	ADP
ajbmeb-502	192	3	e	e	NOUN
ajbmeb-502	192	4	-	-	NOUN
ajbmeb-502	192	5	payment	payment	NOUN
ajbmeb-502	192	6	system	system	NOUN
ajbmeb-502	192	7	on	on	ADP
ajbmeb-502	192	8	buying	buy	VERB
ajbmeb-502	192	9	behaviour	behaviour	NOUN
ajbmeb-502	192	10	:	:	PUNCT
ajbmeb-502	192	11	evidence	evidence	NOUN
ajbmeb-502	192	12	from	from	ADP
ajbmeb-502	192	13	retail	retail	ADJ
ajbmeb-502	192	14	outlets	outlet	NOUN
ajbmeb-502	192	15	in	in	ADP
ajbmeb-502	192	16	ilorin	ilorin	PROPN
ajbmeb-502	192	17	metropolis	metropolis	PROPN
ajbmeb-502	192	18	,	,	PUNCT
ajbmeb-502	192	19	nigeria	nigeria	PROPN
ajbmeb-502	192	20	.	.	PUNCT
ajbmeb-502	193	1	international	international	ADJ
ajbmeb-502	193	2	journal	journal	PROPN
ajbmeb-502	193	3	of	of	ADP
ajbmeb-502	193	4	research	research	NOUN
ajbmeb-502	193	5	in	in	ADP
ajbmeb-502	193	6	arts	art	NOUN
ajbmeb-502	193	7	and	and	CCONJ
ajbmeb-502	193	8	social	social	ADJ
ajbmeb-502	193	9	sciences	science	NOUN
ajbmeb-502	193	10	,	,	PUNCT
ajbmeb-502	193	11	9(2	9(2	NUM
ajbmeb-502	193	12	)	)	PUNCT
ajbmeb-502	193	13	,	,	PUNCT
ajbmeb-502	193	14	137	137	NUM
ajbmeb-502	193	15	-	-	SYM
ajbmeb-502	193	16	152	152	NUM
ajbmeb-502	193	17	.	.	PUNCT
ajbmeb-502	194	1	2	2	NUM
ajbmeb-502	194	2	.	.	X
ajbmeb-502	194	3	adeoti	adeoti	PROPN
ajbmeb-502	194	4	,	,	PUNCT
ajbmeb-502	195	1	o.	o.	NOUN
ajbmeb-502	195	2	o.	o.	PROPN
ajbmeb-502	195	3	(	(	PUNCT
ajbmeb-502	195	4	2013	2013	NUM
ajbmeb-502	195	5	)	)	PUNCT
ajbmeb-502	195	6	.	.	PUNCT
ajbmeb-502	196	1	challenges	challenge	NOUN
ajbmeb-502	196	2	to	to	ADP
ajbmeb-502	196	3	the	the	DET
ajbmeb-502	196	4	efficient	efficient	ADJ
ajbmeb-502	196	5	use	use	NOUN
ajbmeb-502	196	6	of	of	ADP
ajbmeb-502	196	7	point	point	NOUN
ajbmeb-502	196	8	of	of	ADP
ajbmeb-502	196	9	sales	sale	NOUN
ajbmeb-502	196	10	(	(	PUNCT
ajbmeb-502	196	11	pos	pos	NOUN
ajbmeb-502	196	12	)	)	PUNCT
ajbmeb-502	196	13	terminals	terminal	NOUN
ajbmeb-502	196	14	in	in	ADP
ajbmeb-502	196	15	nigeria	nigeria	PROPN
ajbmeb-502	196	16	’	'	PUNCT
ajbmeb-502	196	17	.	.	PUNCT
ajbmeb-502	197	1	african	african	ADJ
ajbmeb-502	197	2	journal	journal	PROPN
ajbmeb-502	197	3	of	of	ADP
ajbmeb-502	197	4	business	business	NOUN
ajbmeb-502	197	5	management	management	NOUN
ajbmeb-502	197	6	,	,	PUNCT
ajbmeb-502	197	7	7(28	7(28	NUM
ajbmeb-502	197	8	)	)	PUNCT
ajbmeb-502	197	9	,	,	PUNCT
ajbmeb-502	197	10	2801	2801	NUM
ajbmeb-502	197	11	-	-	SYM
ajbmeb-502	197	12	2806	2806	NUM
ajbmeb-502	197	13	.	.	PUNCT
ajbmeb-502	198	1	3	3	X
ajbmeb-502	198	2	.	.	X
ajbmeb-502	198	3	agboola	agboola	PROPN
ajbmeb-502	198	4	,	,	PUNCT
ajbmeb-502	198	5	a.	a.	NOUN
ajbmeb-502	198	6	(	(	PUNCT
ajbmeb-502	198	7	2006	2006	NUM
ajbmeb-502	198	8	)	)	PUNCT
ajbmeb-502	198	9	.	.	PUNCT
ajbmeb-502	199	1	information	information	NOUN
ajbmeb-502	199	2	and	and	CCONJ
ajbmeb-502	199	3	communication	communication	NOUN
ajbmeb-502	199	4	technology	technology	NOUN
ajbmeb-502	199	5	(	(	PUNCT
ajbmeb-502	199	6	ict	ict	PROPN
ajbmeb-502	199	7	)	)	PUNCT
ajbmeb-502	199	8	in	in	ADP
ajbmeb-502	199	9	banking	banking	NOUN
ajbmeb-502	199	10	operations	operation	NOUN
ajbmeb-502	199	11	in	in	ADP
ajbmeb-502	199	12	nigeria	nigeria	PROPN
ajbmeb-502	199	13	:	:	PUNCT
ajbmeb-502	199	14	an	an	DET
ajbmeb-502	199	15	evaluation	evaluation	NOUN
ajbmeb-502	199	16	of	of	ADP
ajbmeb-502	199	17	recent	recent	ADJ
ajbmeb-502	199	18	experiences	experience	NOUN
ajbmeb-502	199	19	.	.	PUNCT
ajbmeb-502	200	1	retrieved	retrieve	VERB
ajbmeb-502	200	2	december	december	PROPN
ajbmeb-502	200	3	,	,	PUNCT
ajbmeb-502	200	4	25(2007	25(2007	NUM
ajbmeb-502	200	5	)	)	PUNCT
ajbmeb-502	200	6	,	,	PUNCT
ajbmeb-502	200	7	56	56	NUM
ajbmeb-502	200	8	.	.	NOUN
ajbmeb-502	200	9	4	4	NUM
ajbmeb-502	200	10	.	.	X
ajbmeb-502	200	11	akintola	akintola	PROPN
ajbmeb-502	200	12	,	,	PUNCT
ajbmeb-502	200	13	k.	k.	PROPN
ajbmeb-502	200	14	g.	g.	PROPN
ajbmeb-502	200	15	,	,	PUNCT
ajbmeb-502	200	16	akinyede	akinyede	PROPN
ajbmeb-502	200	17	,	,	PUNCT
ajbmeb-502	200	18	r.	r.	PROPN
ajbmeb-502	200	19	o.	o.	PROPN
ajbmeb-502	200	20	,	,	PUNCT
ajbmeb-502	200	21	&	&	CCONJ
ajbmeb-502	200	22	agbonifo	agbonifo	PROPN
ajbmeb-502	200	23	,	,	PUNCT
ajbmeb-502	200	24	c.	c.	PROPN
ajbmeb-502	200	25	o.	o.	PROPN
ajbmeb-502	200	26	(	(	PUNCT
ajbmeb-502	200	27	2011	2011	NUM
ajbmeb-502	200	28	)	)	PUNCT
ajbmeb-502	200	29	.	.	PUNCT
ajbmeb-502	201	1	appraising	appraise	VERB
ajbmeb-502	201	2	nigeria	nigeria	PROPN
ajbmeb-502	201	3	readiness	readiness	NOUN
ajbmeb-502	201	4	for	for	ADP
ajbmeb-502	201	5	ecommerce	ecommerce	NOUN
ajbmeb-502	201	6	towards	toward	NOUN
ajbmeb-502	201	7	:	:	PUNCT
ajbmeb-502	201	8	achieving	achieve	VERB
ajbmeb-502	201	9	vision	vision	NOUN
ajbmeb-502	201	10	20	20	NUM
ajbmeb-502	201	11	:	:	SYM
ajbmeb-502	201	12	2020	2020	NUM
ajbmeb-502	201	13	.	.	PUNCT
ajbmeb-502	202	1	international	international	ADJ
ajbmeb-502	202	2	journal	journal	PROPN
ajbmeb-502	202	3	of	of	ADP
ajbmeb-502	202	4	research	research	NOUN
ajbmeb-502	202	5	and	and	CCONJ
ajbmeb-502	202	6	reviews	review	NOUN
ajbmeb-502	202	7	in	in	ADP
ajbmeb-502	202	8	soft	soft	ADJ
ajbmeb-502	202	9	and	and	CCONJ
ajbmeb-502	202	10	intelligent	intelligent	ADJ
ajbmeb-502	202	11	computing	computing	NOUN
ajbmeb-502	202	12	,	,	PUNCT
ajbmeb-502	202	13	9(2	9(2	NUM
ajbmeb-502	202	14	)	)	PUNCT
ajbmeb-502	202	15	,	,	PUNCT
ajbmeb-502	202	16	331	331	NUM
ajbmeb-502	202	17	-	-	SYM
ajbmeb-502	202	18	340	340	NUM
ajbmeb-502	202	19	.	.	PUNCT
ajbmeb-502	203	1	5	5	NUM
ajbmeb-502	203	2	.	.	X
ajbmeb-502	203	3	akinyele	akinyele	PROPN
ajbmeb-502	203	4	,	,	PUNCT
ajbmeb-502	203	5	s.	s.	PROPN
ajbmeb-502	203	6	t.	t.	PROPN
ajbmeb-502	203	7	,	,	PUNCT
ajbmeb-502	203	8	&	&	CCONJ
ajbmeb-502	203	9	olorunleke	olorunleke	PROPN
ajbmeb-502	203	10	,	,	PUNCT
ajbmeb-502	203	11	k.	k.	PROPN
ajbmeb-502	203	12	(	(	PUNCT
ajbmeb-502	203	13	2010	2010	NUM
ajbmeb-502	203	14	)	)	PUNCT
ajbmeb-502	203	15	.	.	PUNCT
ajbmeb-502	204	1	technology	technology	NOUN
ajbmeb-502	204	2	and	and	CCONJ
ajbmeb-502	204	3	service	service	NOUN
ajbmeb-502	204	4	quality	quality	NOUN
ajbmeb-502	204	5	in	in	ADP
ajbmeb-502	204	6	the	the	DET
ajbmeb-502	204	7	banking	banking	NOUN
ajbmeb-502	204	8	industry	industry	NOUN
ajbmeb-502	204	9	:	:	PUNCT
ajbmeb-502	204	10	an	an	DET
ajbmeb-502	204	11	empirical	empirical	ADJ
ajbmeb-502	204	12	study	study	NOUN
ajbmeb-502	204	13	of	of	ADP
ajbmeb-502	204	14	various	various	ADJ
ajbmeb-502	204	15	factors	factor	NOUN
ajbmeb-502	204	16	in	in	ADP
ajbmeb-502	204	17	electronic	electronic	ADJ
ajbmeb-502	204	18	banking	banking	NOUN
ajbmeb-502	204	19	services	service	NOUN
ajbmeb-502	204	20	.	.	PUNCT
ajbmeb-502	205	1	international	international	ADJ
ajbmeb-502	205	2	business	business	NOUN
ajbmeb-502	205	3	management	management	NOUN
ajbmeb-502	205	4	,	,	PUNCT
ajbmeb-502	205	5	4(4	4(4	NUM
ajbmeb-502	205	6	)	)	PUNCT
ajbmeb-502	205	7	,	,	PUNCT
ajbmeb-502	205	8	209	209	NUM
ajbmeb-502	205	9	-	-	SYM
ajbmeb-502	205	10	221	221	NUM
ajbmeb-502	205	11	.	.	PUNCT
ajbmeb-502	206	1	6	6	NUM
ajbmeb-502	206	2	.	.	X
ajbmeb-502	207	1	al	al	PROPN
ajbmeb-502	207	2	-	-	PUNCT
ajbmeb-502	207	3	alaq	alaq	PROPN
ajbmeb-502	207	4	,	,	PUNCT
ajbmeb-502	207	5	b.	b.	PROPN
ajbmeb-502	207	6	(	(	PUNCT
ajbmeb-502	207	7	2004	2004	NUM
ajbmeb-502	207	8	)	)	PUNCT
ajbmeb-502	207	9	.	.	PUNCT
ajbmeb-502	208	1	electronic	electronic	ADJ
ajbmeb-502	208	2	services	service	NOUN
ajbmeb-502	208	3	between	between	ADP
ajbmeb-502	208	4	theory	theory	NOUN
ajbmeb-502	208	5	and	and	CCONJ
ajbmeb-502	208	6	practice	practice	NOUN
ajbmeb-502	208	7	.	.	PUNCT
ajbmeb-502	209	1	cairo	cairo	PROPN
ajbmeb-502	209	2	,	,	PUNCT
ajbmeb-502	209	3	egypt	egypt	PROPN
ajbmeb-502	209	4	:	:	PUNCT
ajbmeb-502	209	5	arabic	arabic	PROPN
ajbmeb-502	209	6	nile	nile	PROPN
ajbmeb-502	209	7	7	7	NUM
ajbmeb-502	209	8	.	.	PUNCT
ajbmeb-502	210	1	al	al	PROPN
ajbmeb-502	210	2	-	-	PUNCT
ajbmeb-502	210	3	hajri	hajri	PROPN
ajbmeb-502	210	4	,	,	PUNCT
ajbmeb-502	210	5	s.	s.	PROPN
ajbmeb-502	210	6	(	(	PUNCT
ajbmeb-502	210	7	2008	2008	NUM
ajbmeb-502	210	8	)	)	PUNCT
ajbmeb-502	210	9	.	.	PUNCT
ajbmeb-502	211	1	the	the	DET
ajbmeb-502	211	2	adoption	adoption	NOUN
ajbmeb-502	211	3	of	of	ADP
ajbmeb-502	211	4	e	e	NOUN
ajbmeb-502	211	5	-	-	NOUN
ajbmeb-502	211	6	banking	banking	NOUN
ajbmeb-502	211	7	:	:	PUNCT
ajbmeb-502	211	8	the	the	DET
ajbmeb-502	211	9	case	case	NOUN
ajbmeb-502	211	10	of	of	ADP
ajbmeb-502	211	11	omani	omani	ADJ
ajbmeb-502	211	12	banks	bank	NOUN
ajbmeb-502	211	13	.	.	PUNCT
ajbmeb-502	212	1	international	international	ADJ
ajbmeb-502	212	2	review	review	NOUN
ajbmeb-502	212	3	of	of	ADP
ajbmeb-502	212	4	business	business	NOUN
ajbmeb-502	212	5	research	research	NOUN
ajbmeb-502	212	6	papers	paper	NOUN
ajbmeb-502	212	7	,	,	PUNCT
ajbmeb-502	212	8	4(5	4(5	PROPN
ajbmeb-502	212	9	)	)	PUNCT
ajbmeb-502	212	10	,	,	PUNCT
ajbmeb-502	212	11	120	120	NUM
ajbmeb-502	212	12	-	-	SYM
ajbmeb-502	212	13	128	128	NUM
ajbmeb-502	212	14	.	.	NOUN
ajbmeb-502	212	15	8	8	NUM
ajbmeb-502	212	16	.	.	PUNCT
ajbmeb-502	213	1	athanassopoulos	athanassopoulos	PROPN
ajbmeb-502	213	2	,	,	PUNCT
ajbmeb-502	213	3	a.	a.	PROPN
ajbmeb-502	213	4	d.	d.	PROPN
ajbmeb-502	213	5	(	(	PUNCT
ajbmeb-502	213	6	2000	2000	NUM
ajbmeb-502	213	7	)	)	PUNCT
ajbmeb-502	213	8	.	.	PUNCT
ajbmeb-502	214	1	customer	customer	NOUN
ajbmeb-502	214	2	satisfaction	satisfaction	NOUN
ajbmeb-502	214	3	cues	cue	VERB
ajbmeb-502	214	4	to	to	PART
ajbmeb-502	214	5	support	support	VERB
ajbmeb-502	214	6	market	market	NOUN
ajbmeb-502	214	7	segmentation	segmentation	NOUN
ajbmeb-502	214	8	and	and	CCONJ
ajbmeb-502	214	9	explain	explain	VERB
ajbmeb-502	214	10	switching	switch	VERB
ajbmeb-502	214	11	behavior	behavior	NOUN
ajbmeb-502	214	12	.	.	PUNCT
ajbmeb-502	215	1	journal	journal	PROPN
ajbmeb-502	215	2	of	of	ADP
ajbmeb-502	215	3	business	business	NOUN
ajbmeb-502	215	4	research	research	NOUN
ajbmeb-502	215	5	,	,	PUNCT
ajbmeb-502	215	6	47(3	47(3	NOUN
ajbmeb-502	215	7	)	)	PUNCT
ajbmeb-502	215	8	,	,	PUNCT
ajbmeb-502	215	9	191	191	NUM
ajbmeb-502	215	10	-	-	SYM
ajbmeb-502	215	11	207	207	NUM
ajbmeb-502	215	12	.	.	PUNCT
ajbmeb-502	216	1	9	9	X
ajbmeb-502	216	2	.	.	X
ajbmeb-502	216	3	brei	brei	ADJ
ajbmeb-502	216	4	,	,	PUNCT
ajbmeb-502	216	5	v.	v.	ADP
ajbmeb-502	216	6	a.	a.	PROPN
ajbmeb-502	216	7	,	,	PUNCT
ajbmeb-502	216	8	&	&	CCONJ
ajbmeb-502	216	9	rossi	rossi	PROPN
ajbmeb-502	216	10	,	,	PUNCT
ajbmeb-502	216	11	c.	c.	PROPN
ajbmeb-502	216	12	a.	a.	PROPN
ajbmeb-502	216	13	v.	v.	PROPN
ajbmeb-502	216	14	(	(	PUNCT
ajbmeb-502	216	15	2005	2005	NUM
ajbmeb-502	216	16	)	)	PUNCT
ajbmeb-502	216	17	.	.	PUNCT
ajbmeb-502	217	1	confiança	confiança	PROPN
ajbmeb-502	217	2	,	,	PUNCT
ajbmeb-502	217	3	valor	valor	NOUN
ajbmeb-502	217	4	percebido	percebido	ADJ
ajbmeb-502	217	5	e	e	PROPN
ajbmeb-502	217	6	lealdade	lealdade	VERB
ajbmeb-502	217	7	em	em	PRON
ajbmeb-502	217	8	trocas	trocas	PROPN
ajbmeb-502	217	9	relacionais	relacionais	PROPN
ajbmeb-502	217	10	de	de	X
ajbmeb-502	217	11	serviço	serviço	PROPN
ajbmeb-502	217	12	:	:	PUNCT
ajbmeb-502	217	13	um	um	INTJ
ajbmeb-502	217	14	estudo	estudo	PROPN
ajbmeb-502	217	15	com	com	NOUN
ajbmeb-502	217	16	usuários	usuários	X
ajbmeb-502	217	17	de	de	X
ajbmeb-502	217	18	internet	internet	NOUN
ajbmeb-502	217	19	banking	banking	NOUN
ajbmeb-502	217	20	no	no	DET
ajbmeb-502	217	21	brasil	brasil	PROPN
ajbmeb-502	217	22	.	.	PUNCT
ajbmeb-502	218	1	revista	revista	PROPN
ajbmeb-502	218	2	de	de	PROPN
ajbmeb-502	218	3	administração	administração	PROPN
ajbmeb-502	218	4	contemporânea	contemporânea	NOUN
ajbmeb-502	218	5	,	,	PUNCT
ajbmeb-502	218	6	9	9	NUM
ajbmeb-502	218	7	,	,	PUNCT
ajbmeb-502	218	8	145	145	NUM
ajbmeb-502	218	9	-	-	SYM
ajbmeb-502	218	10	168	168	NUM
ajbmeb-502	218	11	.	.	PUNCT
ajbmeb-502	219	1	10	10	NUM
ajbmeb-502	219	2	.	.	PUNCT
ajbmeb-502	220	1	calvo	calvo	NOUN
ajbmeb-502	220	2	-	-	PUNCT
ajbmeb-502	220	3	porral	porral	ADJ
ajbmeb-502	220	4	,	,	PUNCT
ajbmeb-502	220	5	c.	c.	PROPN
ajbmeb-502	220	6	,	,	PUNCT
ajbmeb-502	220	7	&	&	CCONJ
ajbmeb-502	220	8	lévy	lévy	ADJ
ajbmeb-502	220	9	-	-	PUNCT
ajbmeb-502	220	10	mangin	mangin	NOUN
ajbmeb-502	220	11	,	,	PUNCT
ajbmeb-502	221	1	j.	j.	PROPN
ajbmeb-502	221	2	p.	p.	PROPN
ajbmeb-502	221	3	(	(	PUNCT
ajbmeb-502	221	4	2017	2017	NUM
ajbmeb-502	221	5	)	)	PUNCT
ajbmeb-502	221	6	.	.	PUNCT
ajbmeb-502	222	1	store	store	NOUN
ajbmeb-502	222	2	brands	brand	NOUN
ajbmeb-502	222	3	’	'	PUNCT
ajbmeb-502	222	4	purchase	purchase	NOUN
ajbmeb-502	222	5	intention	intention	NOUN
ajbmeb-502	222	6	:	:	PUNCT
ajbmeb-502	222	7	examining	examine	VERB
ajbmeb-502	222	8	the	the	DET
ajbmeb-502	222	9	role	role	NOUN
ajbmeb-502	222	10	of	of	ADP
ajbmeb-502	222	11	perceived	perceive	VERB
ajbmeb-502	222	12	quality	quality	NOUN
ajbmeb-502	222	13	.	.	PUNCT
ajbmeb-502	223	1	european	european	ADJ
ajbmeb-502	223	2	research	research	PROPN
ajbmeb-502	223	3	on	on	ADP
ajbmeb-502	223	4	management	management	NOUN
ajbmeb-502	223	5	and	and	CCONJ
ajbmeb-502	223	6	business	business	NOUN
ajbmeb-502	223	7	economics	economic	NOUN
ajbmeb-502	223	8	,	,	PUNCT
ajbmeb-502	223	9	23(2	23(2	NOUN
ajbmeb-502	223	10	)	)	PUNCT
ajbmeb-502	223	11	,	,	PUNCT
ajbmeb-502	223	12	90	90	NUM
ajbmeb-502	223	13	-	-	SYM
ajbmeb-502	223	14	95	95	NUM
ajbmeb-502	223	15	.	.	PUNCT
ajbmeb-502	224	1	11	11	NUM
ajbmeb-502	224	2	.	.	X
ajbmeb-502	225	1	chang	chang	PROPN
ajbmeb-502	225	2	,	,	PUNCT
ajbmeb-502	225	3	h.	h.	PROPN
ajbmeb-502	225	4	h.	h.	PROPN
ajbmeb-502	225	5	,	,	PUNCT
ajbmeb-502	225	6	tsai	tsai	PROPN
ajbmeb-502	225	7	,	,	PUNCT
ajbmeb-502	225	8	y.	y.	PROPN
ajbmeb-502	225	9	c.	c.	PROPN
ajbmeb-502	225	10	,	,	PUNCT
ajbmeb-502	225	11	wong	wong	PROPN
ajbmeb-502	225	12	,	,	PUNCT
ajbmeb-502	225	13	k.	k.	PROPN
ajbmeb-502	225	14	h.	h.	PROPN
ajbmeb-502	225	15	,	,	PUNCT
ajbmeb-502	225	16	wang	wang	PROPN
ajbmeb-502	225	17	,	,	PUNCT
ajbmeb-502	225	18	j.	j.	PROPN
ajbmeb-502	225	19	w.	w.	PROPN
ajbmeb-502	225	20	,	,	PUNCT
ajbmeb-502	225	21	&	&	CCONJ
ajbmeb-502	225	22	cho	cho	PROPN
ajbmeb-502	225	23	,	,	PUNCT
ajbmeb-502	225	24	f.	f.	PROPN
ajbmeb-502	225	25	j.	j.	PROPN
ajbmeb-502	225	26	(	(	PUNCT
ajbmeb-502	225	27	2015	2015	NUM
ajbmeb-502	225	28	)	)	PUNCT
ajbmeb-502	225	29	.	.	PUNCT
ajbmeb-502	226	1	the	the	DET
ajbmeb-502	226	2	effects	effect	NOUN
ajbmeb-502	226	3	of	of	ADP
ajbmeb-502	226	4	response	response	NOUN
ajbmeb-502	226	5	strategies	strategy	NOUN
ajbmeb-502	226	6	and	and	CCONJ
ajbmeb-502	226	7	severity	severity	NOUN
ajbmeb-502	226	8	of	of	ADP
ajbmeb-502	226	9	failure	failure	NOUN
ajbmeb-502	226	10	on	on	ADP
ajbmeb-502	226	11	consumer	consumer	NOUN
ajbmeb-502	226	12	attribution	attribution	NOUN
ajbmeb-502	226	13	with	with	ADP
ajbmeb-502	226	14	regard	regard	NOUN
ajbmeb-502	226	15	to	to	ADP
ajbmeb-502	226	16	negative	negative	ADJ
ajbmeb-502	226	17	word	word	NOUN
ajbmeb-502	226	18	-	-	PUNCT
ajbmeb-502	226	19	ofmouth	ofmouth	NOUN
ajbmeb-502	226	20	.	.	PUNCT
ajbmeb-502	227	1	decision	decision	NOUN
ajbmeb-502	227	2	support	support	NOUN
ajbmeb-502	227	3	systems	system	NOUN
ajbmeb-502	227	4	,	,	PUNCT
ajbmeb-502	227	5	71	71	NUM
ajbmeb-502	227	6	,	,	PUNCT
ajbmeb-502	227	7	48	48	NUM
ajbmeb-502	227	8	-	-	SYM
ajbmeb-502	227	9	61	61	NUM
ajbmeb-502	227	10	.	.	PUNCT
ajbmeb-502	228	1	american	american	PROPN
ajbmeb-502	228	2	journal	journal	PROPN
ajbmeb-502	228	3	of	of	ADP
ajbmeb-502	228	4	business	business	NOUN
ajbmeb-502	228	5	management	management	NOUN
ajbmeb-502	228	6	,	,	PUNCT
ajbmeb-502	228	7	economics	economic	NOUN
ajbmeb-502	228	8	and	and	CCONJ
ajbmeb-502	228	9	banking	banking	NOUN
ajbmeb-502	228	10	volume	volume	NOUN
ajbmeb-502	228	11	10	10	NUM
ajbmeb-502	228	12	march	march	NOUN
ajbmeb-502	228	13	,	,	PUNCT
ajbmeb-502	228	14	2023	2023	NUM
ajbmeb-502	228	15	p	p	NOUN
ajbmeb-502	228	16	a	a	DET
ajbmeb-502	228	17	g	g	NOUN
ajbmeb-502	228	18	e	e	NOUN
ajbmeb-502	228	19	|	|	ADV
ajbmeb-502	228	20	106	106	NUM
ajbmeb-502	228	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	228	22	12	12	NUM
ajbmeb-502	228	23	.	.	PUNCT
ajbmeb-502	229	1	chen	chen	PROPN
ajbmeb-502	229	2	,	,	PUNCT
ajbmeb-502	229	3	a.	a.	PROPN
ajbmeb-502	229	4	,	,	PUNCT
ajbmeb-502	229	5	lu	lu	PROPN
ajbmeb-502	229	6	,	,	PUNCT
ajbmeb-502	229	7	y.	y.	PROPN
ajbmeb-502	229	8	,	,	PUNCT
ajbmeb-502	229	9	&	&	CCONJ
ajbmeb-502	229	10	wang	wang	PROPN
ajbmeb-502	229	11	,	,	PUNCT
ajbmeb-502	229	12	b.	b.	PROPN
ajbmeb-502	229	13	(	(	PUNCT
ajbmeb-502	229	14	2017	2017	NUM
ajbmeb-502	229	15	)	)	PUNCT
ajbmeb-502	229	16	.	.	PUNCT
ajbmeb-502	230	1	customers	customer	NOUN
ajbmeb-502	230	2	’	'	PUNCT
ajbmeb-502	230	3	purchase	purchase	VERB
ajbmeb-502	230	4	decision	decision	NOUN
ajbmeb-502	230	5	-	-	PUNCT
ajbmeb-502	230	6	making	make	VERB
ajbmeb-502	230	7	process	process	NOUN
ajbmeb-502	230	8	in	in	ADP
ajbmeb-502	230	9	social	social	ADJ
ajbmeb-502	230	10	commerce	commerce	NOUN
ajbmeb-502	230	11	:	:	PUNCT
ajbmeb-502	230	12	a	a	DET
ajbmeb-502	230	13	social	social	ADJ
ajbmeb-502	230	14	learning	learning	NOUN
ajbmeb-502	230	15	perspective	perspective	NOUN
ajbmeb-502	230	16	.	.	PUNCT
ajbmeb-502	231	1	international	international	ADJ
ajbmeb-502	231	2	journal	journal	PROPN
ajbmeb-502	231	3	of	of	ADP
ajbmeb-502	231	4	information	information	NOUN
ajbmeb-502	231	5	management	management	NOUN
ajbmeb-502	231	6	,	,	PUNCT
ajbmeb-502	231	7	37(6	37(6	NUM
ajbmeb-502	231	8	)	)	PUNCT
ajbmeb-502	231	9	,	,	PUNCT
ajbmeb-502	231	10	627	627	NUM
ajbmeb-502	231	11	-	-	SYM
ajbmeb-502	231	12	638	638	NUM
ajbmeb-502	231	13	.	.	PUNCT
ajbmeb-502	231	14	13	13	NUM
ajbmeb-502	231	15	.	.	PUNCT
ajbmeb-502	232	1	chiemeke	chiemeke	PROPN
ajbmeb-502	232	2	,	,	PUNCT
ajbmeb-502	232	3	s.	s.	PROPN
ajbmeb-502	232	4	c.	c.	PROPN
ajbmeb-502	232	5	,	,	PUNCT
ajbmeb-502	232	6	evwiekpaefe	evwiekpaefe	PROPN
ajbmeb-502	232	7	,	,	PUNCT
ajbmeb-502	232	8	a.	a.	PROPN
ajbmeb-502	232	9	e.	e.	PROPN
ajbmeb-502	232	10	,	,	PUNCT
ajbmeb-502	232	11	&	&	CCONJ
ajbmeb-502	232	12	chete	chete	PROPN
ajbmeb-502	232	13	,	,	PUNCT
ajbmeb-502	232	14	f.	f.	PROPN
ajbmeb-502	232	15	o.	o.	PROPN
ajbmeb-502	232	16	(	(	PUNCT
ajbmeb-502	232	17	2006	2006	NUM
ajbmeb-502	232	18	)	)	PUNCT
ajbmeb-502	232	19	.	.	PUNCT
ajbmeb-502	233	1	the	the	DET
ajbmeb-502	233	2	adoption	adoption	NOUN
ajbmeb-502	233	3	of	of	ADP
ajbmeb-502	233	4	internet	internet	NOUN
ajbmeb-502	233	5	banking	banking	NOUN
ajbmeb-502	233	6	in	in	ADP
ajbmeb-502	233	7	nigeria	nigeria	PROPN
ajbmeb-502	233	8	:	:	PUNCT
ajbmeb-502	233	9	an	an	DET
ajbmeb-502	233	10	empirical	empirical	ADJ
ajbmeb-502	233	11	investigation	investigation	NOUN
ajbmeb-502	233	12	.	.	PUNCT
ajbmeb-502	234	1	journal	journal	PROPN
ajbmeb-502	234	2	of	of	ADP
ajbmeb-502	234	3	internet	internet	NOUN
ajbmeb-502	234	4	banking	banking	NOUN
ajbmeb-502	234	5	and	and	CCONJ
ajbmeb-502	234	6	commerce	commerce	NOUN
ajbmeb-502	234	7	,	,	PUNCT
ajbmeb-502	234	8	11(3	11(3	NUM
ajbmeb-502	234	9	)	)	PUNCT
ajbmeb-502	234	10	,	,	PUNCT
ajbmeb-502	234	11	1	1	NUM
ajbmeb-502	234	12	-	-	SYM
ajbmeb-502	234	13	10	10	NUM
ajbmeb-502	234	14	.	.	PUNCT
ajbmeb-502	234	15	14	14	NUM
ajbmeb-502	234	16	.	.	PUNCT
ajbmeb-502	235	1	dalia	dalia	PROPN
ajbmeb-502	235	2	,	,	PUNCT
ajbmeb-502	235	3	e.	e.	PROPN
ajbmeb-502	235	4	,	,	PUNCT
ajbmeb-502	235	5	s.	s.	PROPN
ajbmeb-502	235	6	a.	a.	PROPN
ajbmeb-502	235	7	,	,	PUNCT
ajbmeb-502	235	8	ahmed	ahme	VERB
ajbmeb-502	235	9	,	,	PUNCT
ajbmeb-502	235	10	and	and	CCONJ
ajbmeb-502	235	11	m.	m.	NOUN
ajbmeb-502	235	12	y.	y.	PROPN
ajbmeb-502	235	13	omneya	omneya	PROPN
ajbmeb-502	235	14	.	.	PUNCT
ajbmeb-502	236	1	2009	2009	NUM
ajbmeb-502	236	2	.	.	PUNCT
ajbmeb-502	237	1	factors	factor	NOUN
ajbmeb-502	237	2	affecting	affect	VERB
ajbmeb-502	237	3	continued	continue	VERB
ajbmeb-502	237	4	usage	usage	NOUN
ajbmeb-502	237	5	of	of	ADP
ajbmeb-502	237	6	internet	internet	NOUN
ajbmeb-502	237	7	banking	banking	NOUN
ajbmeb-502	237	8	among	among	ADP
ajbmeb-502	237	9	egyptian	egyptian	ADJ
ajbmeb-502	237	10	customers	customer	NOUN
ajbmeb-502	237	11	.	.	PUNCT
ajbmeb-502	238	1	international	international	ADJ
ajbmeb-502	238	2	business	business	NOUN
ajbmeb-502	238	3	information	information	PROPN
ajbmeb-502	238	4	management	management	PROPN
ajbmeb-502	238	5	association	association	PROPN
ajbmeb-502	238	6	9:252–63	9:252–63	PROPN
ajbmeb-502	238	7	.	.	PUNCT
ajbmeb-502	239	1	15	15	NUM
ajbmeb-502	239	2	.	.	X
ajbmeb-502	240	1	davis	davis	PROPN
ajbmeb-502	240	2	,	,	PUNCT
ajbmeb-502	240	3	f.	f.	PROPN
ajbmeb-502	240	4	d.	d.	PROPN
ajbmeb-502	240	5	,	,	PUNCT
ajbmeb-502	240	6	bogozzi	bogozzi	NOUN
ajbmeb-502	240	7	,	,	PUNCT
ajbmeb-502	240	8	r.	r.	PROPN
ajbmeb-502	240	9	,	,	PUNCT
ajbmeb-502	240	10	p.	p.	PROPN
ajbmeb-502	240	11	,	,	PUNCT
ajbmeb-502	240	12	&	&	CCONJ
ajbmeb-502	240	13	warshaw	warshaw	PROPN
ajbmeb-502	240	14	,	,	PUNCT
ajbmeb-502	240	15	p.	p.	PROPN
ajbmeb-502	240	16	,	,	PUNCT
ajbmeb-502	240	17	r.	r.	PROPN
ajbmeb-502	240	18	(	(	PUNCT
ajbmeb-502	240	19	1989	1989	NUM
ajbmeb-502	240	20	)	)	PUNCT
ajbmeb-502	240	21	.	.	PUNCT
ajbmeb-502	241	1	user	user	NOUN
ajbmeb-502	241	2	acceptance	acceptance	NOUN
ajbmeb-502	241	3	of	of	ADP
ajbmeb-502	241	4	computer	computer	NOUN
ajbmeb-502	241	5	technology	technology	NOUN
ajbmeb-502	241	6	:	:	PUNCT
ajbmeb-502	241	7	a	a	DET
ajbmeb-502	241	8	comparison	comparison	NOUN
ajbmeb-502	241	9	of	of	ADP
ajbmeb-502	241	10	two	two	NUM
ajbmeb-502	241	11	theoretical	theoretical	ADJ
ajbmeb-502	241	12	models	model	NOUN
ajbmeb-502	241	13	.	.	PUNCT
ajbmeb-502	242	1	management	management	NOUN
ajbmeb-502	242	2	science	science	NOUN
ajbmeb-502	242	3	,	,	PUNCT
ajbmeb-502	242	4	35	35	NUM
ajbmeb-502	242	5	,	,	PUNCT
ajbmeb-502	242	6	982	982	NUM
ajbmeb-502	242	7	-	-	SYM
ajbmeb-502	242	8	1003	1003	NUM
ajbmeb-502	242	9	.	.	PUNCT
ajbmeb-502	243	1	16	16	NUM
ajbmeb-502	243	2	.	.	X
ajbmeb-502	243	3	de	de	PROPN
ajbmeb-502	243	4	ruyter	ruyter	PROPN
ajbmeb-502	243	5	,	,	PUNCT
ajbmeb-502	243	6	k.	k.	PROPN
ajbmeb-502	243	7	,	,	PUNCT
ajbmeb-502	243	8	wetzels	wetzels	PROPN
ajbmeb-502	243	9	,	,	PUNCT
ajbmeb-502	243	10	m.	m.	NOUN
ajbmeb-502	243	11	and	and	CCONJ
ajbmeb-502	243	12	kleijnen	kleijnen	NOUN
ajbmeb-502	243	13	,	,	PUNCT
ajbmeb-502	243	14	m.	m.	NOUN
ajbmeb-502	243	15	(	(	PUNCT
ajbmeb-502	243	16	2001	2001	NUM
ajbmeb-502	243	17	)	)	PUNCT
ajbmeb-502	243	18	.	.	PUNCT
ajbmeb-502	244	1	customer	customer	NOUN
ajbmeb-502	244	2	adoption	adoption	NOUN
ajbmeb-502	244	3	of	of	ADP
ajbmeb-502	244	4	e‐service	e‐service	NOUN
ajbmeb-502	244	5	:	:	PUNCT
ajbmeb-502	244	6	an	an	DET
ajbmeb-502	244	7	experimental	experimental	ADJ
ajbmeb-502	244	8	study	study	NOUN
ajbmeb-502	244	9	,	,	PUNCT
ajbmeb-502	244	10	international	international	ADJ
ajbmeb-502	244	11	journal	journal	NOUN
ajbmeb-502	244	12	of	of	ADP
ajbmeb-502	244	13	service	service	NOUN
ajbmeb-502	244	14	industry	industry	NOUN
ajbmeb-502	244	15	management	management	NOUN
ajbmeb-502	244	16	,	,	PUNCT
ajbmeb-502	244	17	12(2	12(2	NUM
ajbmeb-502	244	18	)	)	PUNCT
ajbmeb-502	244	19	,	,	PUNCT
ajbmeb-502	244	20	184	184	NUM
ajbmeb-502	244	21	-	-	SYM
ajbmeb-502	244	22	207	207	NUM
ajbmeb-502	244	23	.	.	PUNCT
ajbmeb-502	245	1	17	17	NUM
ajbmeb-502	245	2	.	.	PUNCT
ajbmeb-502	246	1	ekinci	ekinci	PROPN
ajbmeb-502	246	2	,	,	PUNCT
ajbmeb-502	246	3	y.	y.	PROPN
ajbmeb-502	246	4	,	,	PUNCT
ajbmeb-502	246	5	&	&	CCONJ
ajbmeb-502	246	6	riley	riley	PROPN
ajbmeb-502	246	7	,	,	PUNCT
ajbmeb-502	246	8	m.	m.	NOUN
ajbmeb-502	246	9	(	(	PUNCT
ajbmeb-502	246	10	2003	2003	NUM
ajbmeb-502	246	11	)	)	PUNCT
ajbmeb-502	246	12	.	.	PUNCT
ajbmeb-502	247	1	an	an	DET
ajbmeb-502	247	2	investigation	investigation	NOUN
ajbmeb-502	247	3	of	of	ADP
ajbmeb-502	247	4	self	self	NOUN
ajbmeb-502	247	5	-	-	PUNCT
ajbmeb-502	247	6	concept	concept	NOUN
ajbmeb-502	247	7	:	:	PUNCT
ajbmeb-502	247	8	actual	actual	ADJ
ajbmeb-502	247	9	and	and	CCONJ
ajbmeb-502	247	10	ideal	ideal	ADJ
ajbmeb-502	247	11	self	self	NOUN
ajbmeb-502	247	12	-	-	PUNCT
ajbmeb-502	247	13	congruence	congruence	NOUN
ajbmeb-502	247	14	compared	compare	VERB
ajbmeb-502	247	15	in	in	ADP
ajbmeb-502	247	16	the	the	DET
ajbmeb-502	247	17	context	context	NOUN
ajbmeb-502	247	18	of	of	ADP
ajbmeb-502	247	19	service	service	NOUN
ajbmeb-502	247	20	evaluation	evaluation	NOUN
ajbmeb-502	247	21	.	.	PUNCT
ajbmeb-502	248	1	journal	journal	NOUN
ajbmeb-502	248	2	of	of	ADP
ajbmeb-502	248	3	retailing	retailing	NOUN
ajbmeb-502	248	4	and	and	CCONJ
ajbmeb-502	248	5	consumer	consumer	NOUN
ajbmeb-502	248	6	services	service	NOUN
ajbmeb-502	248	7	,	,	PUNCT
ajbmeb-502	248	8	10(4	10(4	NUM
ajbmeb-502	248	9	)	)	PUNCT
ajbmeb-502	248	10	,	,	PUNCT
ajbmeb-502	248	11	201	201	NUM
ajbmeb-502	248	12	-	-	SYM
ajbmeb-502	248	13	214	214	NUM
ajbmeb-502	248	14	.	.	PUNCT
ajbmeb-502	249	1	18	18	NUM
ajbmeb-502	249	2	.	.	PUNCT
ajbmeb-502	249	3	ekwueme	ekwueme	NOUN
ajbmeb-502	249	4	,	,	PUNCT
ajbmeb-502	249	5	c.	c.	PROPN
ajbmeb-502	249	6	m.	m.	NOUN
ajbmeb-502	249	7	,	,	PUNCT
ajbmeb-502	249	8	egbunike	egbunike	ADJ
ajbmeb-502	249	9	,	,	PUNCT
ajbmeb-502	249	10	p.	p.	NOUN
ajbmeb-502	249	11	a.	a.	NOUN
ajbmeb-502	249	12	,	,	PUNCT
ajbmeb-502	249	13	&	&	CCONJ
ajbmeb-502	249	14	okoye	okoye	PROPN
ajbmeb-502	249	15	,	,	PUNCT
ajbmeb-502	249	16	a.	a.	NOUN
ajbmeb-502	249	17	p.	p.	NOUN
ajbmeb-502	249	18	(	(	PUNCT
ajbmeb-502	249	19	2012	2012	NUM
ajbmeb-502	249	20	)	)	PUNCT
ajbmeb-502	249	21	.	.	PUNCT
ajbmeb-502	250	1	‘	'	PUNCT
ajbmeb-502	250	2	an	an	DET
ajbmeb-502	250	3	empirical	empirical	ADJ
ajbmeb-502	250	4	assesment	assesment	NOUN
ajbmeb-502	250	5	of	of	ADP
ajbmeb-502	250	6	the	the	DET
ajbmeb-502	250	7	operational	operational	ADJ
ajbmeb-502	250	8	efficiency	efficiency	NOUN
ajbmeb-502	250	9	of	of	ADP
ajbmeb-502	250	10	electronic	electronic	ADJ
ajbmeb-502	250	11	banking	banking	NOUN
ajbmeb-502	250	12	:	:	PUNCT
ajbmeb-502	250	13	evidence	evidence	NOUN
ajbmeb-502	250	14	of	of	ADP
ajbmeb-502	250	15	nigerian	nigerian	ADJ
ajbmeb-502	250	16	banks	bank	NOUN
ajbmeb-502	250	17	’	'	PUNCT
ajbmeb-502	250	18	.	.	PUNCT
ajbmeb-502	251	1	review	review	NOUN
ajbmeb-502	251	2	of	of	ADP
ajbmeb-502	251	3	public	public	ADJ
ajbmeb-502	251	4	administration	administration	NOUN
ajbmeb-502	251	5	and	and	CCONJ
ajbmeb-502	251	6	management	management	NOUN
ajbmeb-502	251	7	,	,	PUNCT
ajbmeb-502	251	8	1(2	1(2	NUM
ajbmeb-502	251	9	)	)	PUNCT
ajbmeb-502	251	10	,	,	PUNCT
ajbmeb-502	251	11	76	76	NUM
ajbmeb-502	251	12	-	-	SYM
ajbmeb-502	251	13	110	110	NUM
ajbmeb-502	251	14	.	.	PUNCT
ajbmeb-502	252	1	19	19	NUM
ajbmeb-502	252	2	.	.	PUNCT
ajbmeb-502	252	3	fadeleh	fadeleh	NOUN
ajbmeb-502	252	4	,	,	PUNCT
ajbmeb-502	252	5	s.	s.	PROPN
ajbmeb-502	252	6	(	(	PUNCT
ajbmeb-502	252	7	2010	2010	NUM
ajbmeb-502	252	8	)	)	PUNCT
ajbmeb-502	252	9	.	.	PUNCT
ajbmeb-502	253	1	the	the	DET
ajbmeb-502	253	2	impact	impact	NOUN
ajbmeb-502	253	3	of	of	ADP
ajbmeb-502	253	4	marketing	marketing	NOUN
ajbmeb-502	253	5	on	on	ADP
ajbmeb-502	253	6	the	the	DET
ajbmeb-502	253	7	quality	quality	NOUN
ajbmeb-502	253	8	of	of	ADP
ajbmeb-502	253	9	banking	banking	NOUN
ajbmeb-502	253	10	services	service	NOUN
ajbmeb-502	253	11	'	'	PART
ajbmeb-502	253	12	case	case	NOUN
ajbmeb-502	253	13	study	study	NOUN
ajbmeb-502	253	14	of	of	ADP
ajbmeb-502	253	15	some	some	DET
ajbmeb-502	253	16	banks	bank	NOUN
ajbmeb-502	253	17	in	in	ADP
ajbmeb-502	253	18	algeria	algeria	PROPN
ajbmeb-502	253	19	.	.	PUNCT
ajbmeb-502	254	1	unpublished	unpublished	ADJ
ajbmeb-502	254	2	master	master	NOUN
ajbmeb-502	254	3	thesis	thesis	NOUN
ajbmeb-502	254	4	,	,	PUNCT
ajbmeb-502	254	5	university	university	NOUN
ajbmeb-502	254	6	montwedi	montwedi	NOUN
ajbmeb-502	254	7	,	,	PUNCT
ajbmeb-502	254	8	constantine	constantine	PROPN
ajbmeb-502	254	9	,	,	PUNCT
ajbmeb-502	254	10	algeria	algeria	PROPN
ajbmeb-502	254	11	.	.	PUNCT
ajbmeb-502	255	1	20	20	NUM
ajbmeb-502	255	2	.	.	PUNCT
ajbmeb-502	256	1	fishbein	fishbein	PROPN
ajbmeb-502	256	2	,	,	PUNCT
ajbmeb-502	256	3	m.	m.	NOUN
ajbmeb-502	256	4	,	,	PUNCT
ajbmeb-502	256	5	&	&	CCONJ
ajbmeb-502	256	6	ajzen	ajzen	PROPN
ajbmeb-502	256	7	,	,	PUNCT
ajbmeb-502	256	8	i.	i.	NOUN
ajbmeb-502	256	9	(	(	PUNCT
ajbmeb-502	256	10	1975	1975	NUM
ajbmeb-502	256	11	)	)	PUNCT
ajbmeb-502	256	12	.	.	PUNCT
ajbmeb-502	257	1	belief	belief	NOUN
ajbmeb-502	257	2	,	,	PUNCT
ajbmeb-502	257	3	attitude	attitude	NOUN
ajbmeb-502	257	4	,	,	PUNCT
ajbmeb-502	257	5	intention	intention	NOUN
ajbmeb-502	257	6	,	,	PUNCT
ajbmeb-502	257	7	and	and	CCONJ
ajbmeb-502	257	8	behaviors	behavior	NOUN
ajbmeb-502	257	9	:	:	PUNCT
ajbmeb-502	257	10	an	an	DET
ajbmeb-502	257	11	introduction	introduction	NOUN
ajbmeb-502	257	12	to	to	ADP
ajbmeb-502	257	13	theory	theory	NOUN
ajbmeb-502	257	14	and	and	CCONJ
ajbmeb-502	257	15	research	research	NOUN
ajbmeb-502	257	16	.	.	PUNCT
ajbmeb-502	258	1	boston	boston	PROPN
ajbmeb-502	258	2	,	,	PUNCT
ajbmeb-502	258	3	ma	ma	PROPN
ajbmeb-502	258	4	:	:	PUNCT
ajbmeb-502	258	5	adisonwesley	adisonwesley	PROPN
ajbmeb-502	258	6	.	.	PUNCT
ajbmeb-502	259	1	21	21	NUM
ajbmeb-502	259	2	.	.	PUNCT
ajbmeb-502	259	3	fishbein	fishbein	PROPN
ajbmeb-502	259	4	,	,	PUNCT
ajbmeb-502	259	5	m.	m.	NOUN
ajbmeb-502	259	6	&	&	CCONJ
ajbmeb-502	259	7	ajzen	ajzen	PROPN
ajbmeb-502	259	8	,	,	PUNCT
ajbmeb-502	259	9	i.	i.	NOUN
ajbmeb-502	259	10	(	(	PUNCT
ajbmeb-502	259	11	1975	1975	NUM
ajbmeb-502	259	12	)	)	PUNCT
ajbmeb-502	259	13	.	.	PUNCT
ajbmeb-502	260	1	belief	belief	NOUN
ajbmeb-502	260	2	,	,	PUNCT
ajbmeb-502	260	3	attitude	attitude	NOUN
ajbmeb-502	260	4	,	,	PUNCT
ajbmeb-502	260	5	intention	intention	NOUN
ajbmeb-502	260	6	and	and	CCONJ
ajbmeb-502	260	7	behaviour	behaviour	NOUN
ajbmeb-502	260	8	:	:	PUNCT
ajbmeb-502	260	9	an	an	DET
ajbmeb-502	260	10	introduction	introduction	NOUN
ajbmeb-502	260	11	to	to	ADP
ajbmeb-502	260	12	theory	theory	NOUN
ajbmeb-502	260	13	and	and	CCONJ
ajbmeb-502	260	14	research	research	NOUN
ajbmeb-502	260	15	,	,	PUNCT
ajbmeb-502	260	16	addison	addison	PROPN
ajbmeb-502	260	17	-	-	PUNCT
ajbmeb-502	260	18	wesley	wesley	PROPN
ajbmeb-502	260	19	,	,	PUNCT
ajbmeb-502	260	20	reading	reading	NOUN
ajbmeb-502	260	21	,	,	PUNCT
ajbmeb-502	260	22	ma	ma	PROPN
ajbmeb-502	260	23	,	,	PUNCT
ajbmeb-502	260	24	p.	p.	NOUN
ajbmeb-502	260	25	480	480	NUM
ajbmeb-502	260	26	.	.	PUNCT
ajbmeb-502	261	1	22	22	NUM
ajbmeb-502	261	2	.	.	PUNCT
ajbmeb-502	262	1	fusilier	fusilier	NOUN
ajbmeb-502	262	2	,	,	PUNCT
ajbmeb-502	262	3	m.	m.	NOUN
ajbmeb-502	262	4	&	&	CCONJ
ajbmeb-502	262	5	durlabhji	durlabhji	PROPN
ajbmeb-502	262	6	,	,	PUNCT
ajbmeb-502	262	7	s.	s.	PROPN
ajbmeb-502	262	8	(	(	PUNCT
ajbmeb-502	262	9	2005	2005	NUM
ajbmeb-502	262	10	)	)	PUNCT
ajbmeb-502	262	11	.	.	PUNCT
ajbmeb-502	263	1	an	an	DET
ajbmeb-502	263	2	exploration	exploration	NOUN
ajbmeb-502	263	3	of	of	ADP
ajbmeb-502	263	4	student	student	NOUN
ajbmeb-502	263	5	internet	internet	NOUN
ajbmeb-502	263	6	use	use	NOUN
ajbmeb-502	263	7	in	in	ADP
ajbmeb-502	263	8	india	india	PROPN
ajbmeb-502	263	9	:	:	PUNCT
ajbmeb-502	263	10	the	the	DET
ajbmeb-502	263	11	technology	technology	NOUN
ajbmeb-502	263	12	acceptance	acceptance	NOUN
ajbmeb-502	263	13	model	model	NOUN
ajbmeb-502	263	14	and	and	CCONJ
ajbmeb-502	263	15	the	the	DET
ajbmeb-502	263	16	theory	theory	NOUN
ajbmeb-502	263	17	of	of	ADP
ajbmeb-502	263	18	planned	planned	ADJ
ajbmeb-502	263	19	behaviour	behaviour	NOUN
ajbmeb-502	263	20	,	,	PUNCT
ajbmeb-502	263	21	campus	campus	NOUN
ajbmeb-502	263	22	-	-	PUNCT
ajbmeb-502	263	23	wide	wide	ADJ
ajbmeb-502	263	24	information	information	NOUN
ajbmeb-502	263	25	systems	system	NOUN
ajbmeb-502	263	26	,	,	PUNCT
ajbmeb-502	263	27	22(4	22(4	NUM
ajbmeb-502	263	28	)	)	PUNCT
ajbmeb-502	263	29	,	,	PUNCT
ajbmeb-502	263	30	233	233	NUM
ajbmeb-502	263	31	-	-	SYM
ajbmeb-502	263	32	246	246	NUM
ajbmeb-502	263	33	.	.	PUNCT
ajbmeb-502	263	34	23	23	NUM
ajbmeb-502	263	35	.	.	X
ajbmeb-502	264	1	gildin	gildin	VERB
ajbmeb-502	264	2	,	,	PUNCT
ajbmeb-502	264	3	suzana	suzana	PROPN
ajbmeb-502	264	4	z.	z.	PROPN
ajbmeb-502	264	5	(	(	PUNCT
ajbmeb-502	264	6	2003	2003	NUM
ajbmeb-502	264	7	)	)	PUNCT
ajbmeb-502	264	8	.	.	PUNCT
ajbmeb-502	265	1	understanding	understand	VERB
ajbmeb-502	265	2	the	the	DET
ajbmeb-502	265	3	effects	effect	NOUN
ajbmeb-502	265	4	of	of	ADP
ajbmeb-502	265	5	word	word	NOUN
ajbmeb-502	265	6	-	-	PUNCT
ajbmeb-502	265	7	of	of	ADP
ajbmeb-502	265	8	-	-	PUNCT
ajbmeb-502	265	9	mouth	mouth	NOUN
ajbmeb-502	265	10	,	,	PUNCT
ajbmeb-502	265	11	revista	revista	PROPN
ajbmeb-502	265	12	de	de	PROPN
ajbmeb-502	265	13	administraçao	administraçao	PROPN
ajbmeb-502	265	14	mackenzie	mackenzie	NOUN
ajbmeb-502	265	15	,	,	PUNCT
ajbmeb-502	265	16	4(1	4(1	NOUN
ajbmeb-502	265	17	)	)	PUNCT
ajbmeb-502	265	18	,	,	PUNCT
ajbmeb-502	265	19	91	91	NUM
ajbmeb-502	265	20	-	-	SYM
ajbmeb-502	265	21	106	106	NUM
ajbmeb-502	265	22	24	24	NUM
ajbmeb-502	265	23	.	.	PUNCT
ajbmeb-502	265	24	gopi	gopi	PROPN
ajbmeb-502	265	25	,	,	PUNCT
ajbmeb-502	265	26	m.	m.	NOUN
ajbmeb-502	265	27	&	&	CCONJ
ajbmeb-502	265	28	ramayah	ramayah	PROPN
ajbmeb-502	265	29	,	,	PUNCT
ajbmeb-502	265	30	t.	t.	PROPN
ajbmeb-502	265	31	(	(	PUNCT
ajbmeb-502	265	32	2007	2007	NUM
ajbmeb-502	265	33	)	)	PUNCT
ajbmeb-502	265	34	.	.	PUNCT
ajbmeb-502	266	1	applicability	applicability	NOUN
ajbmeb-502	266	2	of	of	ADP
ajbmeb-502	266	3	theory	theory	NOUN
ajbmeb-502	266	4	of	of	ADP
ajbmeb-502	266	5	planned	plan	VERB
ajbmeb-502	266	6	behavior	behavior	NOUN
ajbmeb-502	266	7	in	in	ADP
ajbmeb-502	266	8	predicting	predict	VERB
ajbmeb-502	266	9	intention	intention	NOUN
ajbmeb-502	266	10	to	to	PART
ajbmeb-502	266	11	trade	trade	VERB
ajbmeb-502	266	12	online	online	ADV
ajbmeb-502	266	13	,	,	PUNCT
ajbmeb-502	266	14	international	international	ADJ
ajbmeb-502	266	15	journal	journal	NOUN
ajbmeb-502	266	16	of	of	ADP
ajbmeb-502	266	17	emerging	emerge	VERB
ajbmeb-502	266	18	markets	market	NOUN
ajbmeb-502	266	19	,	,	PUNCT
ajbmeb-502	266	20	vol	vol	NOUN
ajbmeb-502	266	21	.	.	PROPN
ajbmeb-502	266	22	2	2	NUM
ajbmeb-502	266	23	no	no	NOUN
ajbmeb-502	266	24	.	.	NOUN
ajbmeb-502	267	1	4	4	NUM
ajbmeb-502	267	2	,	,	PUNCT
ajbmeb-502	267	3	pp	pp	ADJ
ajbmeb-502	267	4	.	.	PUNCT
ajbmeb-502	268	1	348	348	NUM
ajbmeb-502	268	2	-	-	SYM
ajbmeb-502	268	3	360	360	NUM
ajbmeb-502	268	4	.	.	PUNCT
ajbmeb-502	269	1	25	25	NUM
ajbmeb-502	269	2	.	.	PUNCT
ajbmeb-502	269	3	holland	holland	PROPN
ajbmeb-502	269	4	,	,	PUNCT
ajbmeb-502	269	5	c.	c.	PROPN
ajbmeb-502	269	6	p.	p.	PROPN
ajbmeb-502	269	7	,	,	PUNCT
ajbmeb-502	269	8	&	&	CCONJ
ajbmeb-502	269	9	westwood	westwood	PROPN
ajbmeb-502	269	10	,	,	PUNCT
ajbmeb-502	269	11	j.	j.	PROPN
ajbmeb-502	269	12	b.	b.	PROPN
ajbmeb-502	269	13	(	(	PUNCT
ajbmeb-502	269	14	2001	2001	NUM
ajbmeb-502	269	15	)	)	PUNCT
ajbmeb-502	269	16	.	.	PUNCT
ajbmeb-502	270	1	product	product	NOUN
ajbmeb-502	270	2	-	-	PUNCT
ajbmeb-502	270	3	market	market	NOUN
ajbmeb-502	270	4	and	and	CCONJ
ajbmeb-502	270	5	technology	technology	NOUN
ajbmeb-502	270	6	strategies	strategy	NOUN
ajbmeb-502	270	7	in	in	ADP
ajbmeb-502	270	8	banking	banking	NOUN
ajbmeb-502	270	9	.	.	PUNCT
ajbmeb-502	271	1	communications	communication	NOUN
ajbmeb-502	271	2	of	of	ADP
ajbmeb-502	271	3	the	the	DET
ajbmeb-502	271	4	acm	acm	PROPN
ajbmeb-502	271	5	,	,	PUNCT
ajbmeb-502	271	6	44(6	44(6	PROPN
ajbmeb-502	271	7	)	)	PUNCT
ajbmeb-502	271	8	,	,	PUNCT
ajbmeb-502	271	9	53	53	NUM
ajbmeb-502	271	10	-	-	SYM
ajbmeb-502	271	11	57	57	NUM
ajbmeb-502	271	12	.	.	PUNCT
ajbmeb-502	271	13	26	26	NUM
ajbmeb-502	271	14	.	.	PUNCT
ajbmeb-502	271	15	inegbedion	inegbedion	NOUN
ajbmeb-502	271	16	,	,	PUNCT
ajbmeb-502	271	17	h.	h.	PROPN
ajbmeb-502	271	18	e.	e.	PROPN
ajbmeb-502	271	19	(	(	PUNCT
ajbmeb-502	271	20	2018	2018	NUM
ajbmeb-502	271	21	)	)	PUNCT
ajbmeb-502	271	22	.	.	PUNCT
ajbmeb-502	272	1	factors	factor	NOUN
ajbmeb-502	272	2	that	that	PRON
ajbmeb-502	272	3	influence	influence	NOUN
ajbmeb-502	272	4	customers	customer	NOUN
ajbmeb-502	272	5	’	'	PUNCT
ajbmeb-502	272	6	attitude	attitude	NOUN
ajbmeb-502	272	7	toward	toward	ADP
ajbmeb-502	272	8	electronic	electronic	ADJ
ajbmeb-502	272	9	banking	banking	NOUN
ajbmeb-502	272	10	in	in	ADP
ajbmeb-502	272	11	nigeria	nigeria	PROPN
ajbmeb-502	272	12	.	.	PUNCT
ajbmeb-502	273	1	journal	journal	PROPN
ajbmeb-502	273	2	of	of	ADP
ajbmeb-502	273	3	internet	internet	PROPN
ajbmeb-502	273	4	commerce	commerce	PROPN
ajbmeb-502	273	5	,	,	PUNCT
ajbmeb-502	273	6	17(4	17(4	NUM
ajbmeb-502	273	7	)	)	PUNCT
ajbmeb-502	273	8	,	,	PUNCT
ajbmeb-502	273	9	325	325	NUM
ajbmeb-502	273	10	-	-	SYM
ajbmeb-502	273	11	338	338	NUM
ajbmeb-502	273	12	.	.	PUNCT
ajbmeb-502	273	13	27	27	NUM
ajbmeb-502	273	14	.	.	PUNCT
ajbmeb-502	274	1	inegbedion	inegbedion	NOUN
ajbmeb-502	274	2	,	,	PUNCT
ajbmeb-502	274	3	h.	h.	PROPN
ajbmeb-502	274	4	,	,	PUNCT
ajbmeb-502	274	5	inegbedion	inegbedion	PROPN
ajbmeb-502	274	6	,	,	PUNCT
ajbmeb-502	274	7	e.	e.	PROPN
ajbmeb-502	274	8	e.	e.	PROPN
ajbmeb-502	274	9	,	,	PUNCT
ajbmeb-502	274	10	osifo	osifo	PROPN
ajbmeb-502	274	11	,	,	PUNCT
ajbmeb-502	274	12	s.	s.	PROPN
ajbmeb-502	274	13	j.	j.	PROPN
ajbmeb-502	274	14	,	,	PUNCT
ajbmeb-502	274	15	eze	eze	PROPN
ajbmeb-502	274	16	,	,	PUNCT
ajbmeb-502	274	17	s.	s.	PROPN
ajbmeb-502	274	18	c.	c.	PROPN
ajbmeb-502	274	19	,	,	PUNCT
ajbmeb-502	274	20	ayeni	ayeni	PROPN
ajbmeb-502	274	21	,	,	PUNCT
ajbmeb-502	274	22	a.	a.	PROPN
ajbmeb-502	274	23	,	,	PUNCT
ajbmeb-502	274	24	&	&	CCONJ
ajbmeb-502	274	25	akintimehin	akintimehin	PROPN
ajbmeb-502	274	26	,	,	PUNCT
ajbmeb-502	274	27	o.	o.	INTJ
ajbmeb-502	274	28	(	(	PUNCT
ajbmeb-502	274	29	2020	2020	NUM
ajbmeb-502	274	30	)	)	PUNCT
ajbmeb-502	274	31	.	.	PUNCT
ajbmeb-502	275	1	exposure	exposure	NOUN
ajbmeb-502	275	2	to	to	ADP
ajbmeb-502	275	3	and	and	CCONJ
ajbmeb-502	275	4	usage	usage	NOUN
ajbmeb-502	275	5	of	of	ADP
ajbmeb-502	275	6	e	e	NOUN
ajbmeb-502	275	7	-	-	ADJ
ajbmeb-502	275	8	banking	banking	ADJ
ajbmeb-502	275	9	channels	channel	NOUN
ajbmeb-502	275	10	:	:	PUNCT
ajbmeb-502	275	11	implications	implication	NOUN
ajbmeb-502	275	12	for	for	ADP
ajbmeb-502	275	13	bank	bank	NOUN
ajbmeb-502	275	14	customers	customer	NOUN
ajbmeb-502	275	15	’	’	PART
ajbmeb-502	275	16	awareness	awareness	NOUN
ajbmeb-502	275	17	and	and	CCONJ
ajbmeb-502	275	18	attitude	attitude	NOUN
ajbmeb-502	275	19	to	to	ADP
ajbmeb-502	275	20	e	e	NOUN
ajbmeb-502	275	21	-	-	NOUN
ajbmeb-502	275	22	banking	banking	NOUN
ajbmeb-502	275	23	in	in	ADP
ajbmeb-502	275	24	nigeria	nigeria	PROPN
ajbmeb-502	275	25	.	.	PUNCT
ajbmeb-502	276	1	journal	journal	PROPN
ajbmeb-502	276	2	of	of	ADP
ajbmeb-502	276	3	science	science	NOUN
ajbmeb-502	276	4	and	and	CCONJ
ajbmeb-502	276	5	technology	technology	NOUN
ajbmeb-502	276	6	policy	policy	NOUN
ajbmeb-502	276	7	management	management	NOUN
ajbmeb-502	276	8	,	,	PUNCT
ajbmeb-502	276	9	11(2	11(2	NOUN
ajbmeb-502	276	10	)	)	PUNCT
ajbmeb-502	276	11	,	,	PUNCT
ajbmeb-502	276	12	133	133	NUM
ajbmeb-502	276	13	-	-	SYM
ajbmeb-502	276	14	148	148	NUM
ajbmeb-502	276	15	.	.	PUNCT
ajbmeb-502	277	1	28	28	NUM
ajbmeb-502	277	2	.	.	PUNCT
ajbmeb-502	278	1	li	li	PROPN
ajbmeb-502	278	2	,	,	PUNCT
ajbmeb-502	278	3	h.	h.	PROPN
ajbmeb-502	278	4	,	,	PUNCT
ajbmeb-502	278	5	&	&	CCONJ
ajbmeb-502	278	6	suomi	suomi	PROPN
ajbmeb-502	278	7	,	,	PUNCT
ajbmeb-502	278	8	r.	r.	PROPN
ajbmeb-502	278	9	(	(	PUNCT
ajbmeb-502	278	10	2009	2009	NUM
ajbmeb-502	278	11	)	)	PUNCT
ajbmeb-502	278	12	.	.	PUNCT
ajbmeb-502	279	1	a	a	DET
ajbmeb-502	279	2	proposed	propose	VERB
ajbmeb-502	279	3	scale	scale	NOUN
ajbmeb-502	279	4	for	for	ADP
ajbmeb-502	279	5	measuring	measure	VERB
ajbmeb-502	279	6	e	e	NOUN
ajbmeb-502	279	7	-	-	NOUN
ajbmeb-502	279	8	service	service	ADJ
ajbmeb-502	279	9	quality	quality	NOUN
ajbmeb-502	279	10	.	.	PUNCT
ajbmeb-502	280	1	international	international	ADJ
ajbmeb-502	280	2	journal	journal	PROPN
ajbmeb-502	280	3	of	of	ADP
ajbmeb-502	280	4	u	u	PROPN
ajbmeb-502	280	5	-	-	ADJ
ajbmeb-502	280	6	and	and	CCONJ
ajbmeb-502	280	7	e	e	NOUN
ajbmeb-502	280	8	-	-	NOUN
ajbmeb-502	280	9	service	service	NOUN
ajbmeb-502	280	10	,	,	PUNCT
ajbmeb-502	280	11	science	science	NOUN
ajbmeb-502	280	12	and	and	CCONJ
ajbmeb-502	280	13	technology	technology	NOUN
ajbmeb-502	280	14	,	,	PUNCT
ajbmeb-502	280	15	2(1	2(1	NUM
ajbmeb-502	280	16	)	)	PUNCT
ajbmeb-502	280	17	,	,	PUNCT
ajbmeb-502	280	18	1	1	NUM
ajbmeb-502	280	19	-	-	SYM
ajbmeb-502	280	20	10	10	NUM
ajbmeb-502	280	21	.	.	PUNCT
ajbmeb-502	280	22	29	29	NUM
ajbmeb-502	280	23	.	.	PUNCT
ajbmeb-502	281	1	liao	liao	PROPN
ajbmeb-502	281	2	,	,	PUNCT
ajbmeb-502	281	3	z.	z.	PROPN
ajbmeb-502	281	4	,	,	PUNCT
ajbmeb-502	281	5	&	&	CCONJ
ajbmeb-502	281	6	cheung	cheung	PROPN
ajbmeb-502	281	7	,	,	PUNCT
ajbmeb-502	281	8	m.	m.	NOUN
ajbmeb-502	281	9	t.	t.	PROPN
ajbmeb-502	281	10	(	(	PUNCT
ajbmeb-502	281	11	2003	2003	NUM
ajbmeb-502	281	12	)	)	PUNCT
ajbmeb-502	281	13	.	.	PUNCT
ajbmeb-502	282	1	challenges	challenge	NOUN
ajbmeb-502	282	2	to	to	ADP
ajbmeb-502	282	3	internet	internet	NOUN
ajbmeb-502	282	4	e	e	NOUN
ajbmeb-502	282	5	-	-	NOUN
ajbmeb-502	282	6	banking	banking	NOUN
ajbmeb-502	282	7	.	.	PUNCT
ajbmeb-502	283	1	communications	communication	NOUN
ajbmeb-502	283	2	of	of	ADP
ajbmeb-502	283	3	the	the	DET
ajbmeb-502	283	4	acm	acm	NOUN
ajbmeb-502	283	5	,	,	PUNCT
ajbmeb-502	283	6	46(12	46(12	PROPN
ajbmeb-502	283	7	)	)	PUNCT
ajbmeb-502	283	8	,	,	PUNCT
ajbmeb-502	283	9	248	248	NUM
ajbmeb-502	283	10	-	-	SYM
ajbmeb-502	283	11	250	250	NUM
ajbmeb-502	283	12	.	.	PUNCT
ajbmeb-502	284	1	american	american	ADJ
ajbmeb-502	284	2	journal	journal	PROPN
ajbmeb-502	284	3	of	of	ADP
ajbmeb-502	284	4	business	business	NOUN
ajbmeb-502	284	5	management	management	NOUN
ajbmeb-502	284	6	,	,	PUNCT
ajbmeb-502	284	7	economics	economic	NOUN
ajbmeb-502	284	8	and	and	CCONJ
ajbmeb-502	284	9	banking	banking	NOUN
ajbmeb-502	284	10	volume	volume	NOUN
ajbmeb-502	284	11	10	10	NUM
ajbmeb-502	284	12	march	march	NOUN
ajbmeb-502	284	13	,	,	PUNCT
ajbmeb-502	284	14	2023	2023	NUM
ajbmeb-502	284	15	p	p	NOUN
ajbmeb-502	284	16	a	a	DET
ajbmeb-502	284	17	g	g	NOUN
ajbmeb-502	284	18	e	e	NOUN
ajbmeb-502	284	19	|	|	ADV
ajbmeb-502	284	20	107	107	NUM
ajbmeb-502	284	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	284	22	30	30	NUM
ajbmeb-502	284	23	.	.	PUNCT
ajbmeb-502	285	1	lim	lim	PROPN
ajbmeb-502	285	2	,	,	PUNCT
ajbmeb-502	285	3	b.	b.	PROPN
ajbmeb-502	285	4	c.	c.	PROPN
ajbmeb-502	285	5	,	,	PUNCT
ajbmeb-502	285	6	&	&	CCONJ
ajbmeb-502	285	7	chung	chung	PROPN
ajbmeb-502	285	8	,	,	PUNCT
ajbmeb-502	285	9	c.	c.	PROPN
ajbmeb-502	285	10	m.	m.	NOUN
ajbmeb-502	285	11	(	(	PUNCT
ajbmeb-502	285	12	2011	2011	NUM
ajbmeb-502	285	13	)	)	PUNCT
ajbmeb-502	285	14	.	.	PUNCT
ajbmeb-502	286	1	the	the	DET
ajbmeb-502	286	2	impact	impact	NOUN
ajbmeb-502	286	3	of	of	ADP
ajbmeb-502	286	4	word	word	NOUN
ajbmeb-502	286	5	-	-	PUNCT
ajbmeb-502	286	6	of	of	ADP
ajbmeb-502	286	7	-	-	PUNCT
ajbmeb-502	286	8	mouth	mouth	NOUN
ajbmeb-502	286	9	communication	communication	NOUN
ajbmeb-502	286	10	on	on	ADP
ajbmeb-502	286	11	attribute	attribute	NOUN
ajbmeb-502	286	12	evaluation	evaluation	NOUN
ajbmeb-502	286	13	.	.	PUNCT
ajbmeb-502	287	1	journal	journal	PROPN
ajbmeb-502	287	2	of	of	ADP
ajbmeb-502	287	3	business	business	NOUN
ajbmeb-502	287	4	research	research	NOUN
ajbmeb-502	287	5	,	,	PUNCT
ajbmeb-502	287	6	64(1	64(1	NUM
ajbmeb-502	287	7	)	)	PUNCT
ajbmeb-502	287	8	,	,	PUNCT
ajbmeb-502	287	9	18	18	NUM
ajbmeb-502	287	10	-	-	SYM
ajbmeb-502	287	11	23	23	NUM
ajbmeb-502	287	12	.	.	PUNCT
ajbmeb-502	288	1	31	31	NUM
ajbmeb-502	288	2	.	.	PUNCT
ajbmeb-502	289	1	luo	luo	PROPN
ajbmeb-502	289	2	,	,	PUNCT
ajbmeb-502	289	3	x.	x.	NOUN
ajbmeb-502	289	4	(	(	PUNCT
ajbmeb-502	289	5	2009	2009	NUM
ajbmeb-502	289	6	)	)	PUNCT
ajbmeb-502	289	7	.	.	PUNCT
ajbmeb-502	290	1	quantifying	quantify	VERB
ajbmeb-502	290	2	the	the	DET
ajbmeb-502	290	3	long	long	ADJ
ajbmeb-502	290	4	-	-	PUNCT
ajbmeb-502	290	5	term	term	NOUN
ajbmeb-502	290	6	impact	impact	NOUN
ajbmeb-502	290	7	of	of	ADP
ajbmeb-502	290	8	negative	negative	ADJ
ajbmeb-502	290	9	word	word	NOUN
ajbmeb-502	290	10	of	of	ADP
ajbmeb-502	290	11	mouth	mouth	NOUN
ajbmeb-502	290	12	on	on	ADP
ajbmeb-502	290	13	cash	cash	NOUN
ajbmeb-502	290	14	flows	flow	NOUN
ajbmeb-502	290	15	and	and	CCONJ
ajbmeb-502	290	16	stock	stock	NOUN
ajbmeb-502	290	17	prices	price	NOUN
ajbmeb-502	290	18	.	.	PUNCT
ajbmeb-502	291	1	marketing	marketing	NOUN
ajbmeb-502	291	2	science	science	NOUN
ajbmeb-502	291	3	,	,	PUNCT
ajbmeb-502	291	4	28(1	28(1	NOUN
ajbmeb-502	291	5	)	)	PUNCT
ajbmeb-502	291	6	,	,	PUNCT
ajbmeb-502	291	7	148	148	NUM
ajbmeb-502	291	8	-	-	SYM
ajbmeb-502	291	9	165	165	NUM
ajbmeb-502	291	10	.	.	PUNCT
ajbmeb-502	291	11	32	32	NUM
ajbmeb-502	291	12	.	.	PUNCT
ajbmeb-502	292	1	mahmood	mahmood	PROPN
ajbmeb-502	292	2	,	,	PUNCT
ajbmeb-502	292	3	r.	r.	PROPN
ajbmeb-502	292	4	,	,	PUNCT
ajbmeb-502	292	5	&	&	CCONJ
ajbmeb-502	292	6	hanafi	hanafi	PROPN
ajbmeb-502	292	7	,	,	PUNCT
ajbmeb-502	292	8	n.	n.	PROPN
ajbmeb-502	292	9	(	(	PUNCT
ajbmeb-502	292	10	2013	2013	NUM
ajbmeb-502	292	11	)	)	PUNCT
ajbmeb-502	292	12	.	.	PUNCT
ajbmeb-502	293	1	entrepreneurial	entrepreneurial	ADJ
ajbmeb-502	293	2	orientation	orientation	NOUN
ajbmeb-502	293	3	and	and	CCONJ
ajbmeb-502	293	4	business	business	NOUN
ajbmeb-502	293	5	performance	performance	NOUN
ajbmeb-502	293	6	of	of	ADP
ajbmeb-502	293	7	women	woman	NOUN
ajbmeb-502	293	8	-	-	PUNCT
ajbmeb-502	293	9	owned	own	VERB
ajbmeb-502	293	10	small	small	ADJ
ajbmeb-502	293	11	and	and	CCONJ
ajbmeb-502	293	12	medium	medium	ADJ
ajbmeb-502	293	13	enterprises	enterprise	NOUN
ajbmeb-502	293	14	in	in	ADP
ajbmeb-502	293	15	malaysia	malaysia	PROPN
ajbmeb-502	293	16	:	:	PUNCT
ajbmeb-502	293	17	competitive	competitive	ADJ
ajbmeb-502	293	18	advantage	advantage	NOUN
ajbmeb-502	293	19	as	as	ADP
ajbmeb-502	293	20	a	a	DET
ajbmeb-502	293	21	mediator	mediator	NOUN
ajbmeb-502	293	22	.	.	PUNCT
ajbmeb-502	294	1	international	international	ADJ
ajbmeb-502	294	2	journal	journal	PROPN
ajbmeb-502	294	3	of	of	ADP
ajbmeb-502	294	4	business	business	NOUN
ajbmeb-502	294	5	and	and	CCONJ
ajbmeb-502	294	6	social	social	ADJ
ajbmeb-502	294	7	science	science	NOUN
ajbmeb-502	294	8	(	(	PUNCT
ajbmeb-502	294	9	ijbss	ijbss	NOUN
ajbmeb-502	294	10	)	)	PUNCT
ajbmeb-502	294	11	,	,	PUNCT
ajbmeb-502	294	12	4(1	4(1	NOUN
ajbmeb-502	294	13	)	)	PUNCT
ajbmeb-502	294	14	,	,	PUNCT
ajbmeb-502	294	15	82	82	NUM
ajbmeb-502	294	16	-	-	SYM
ajbmeb-502	294	17	90	90	NUM
ajbmeb-502	294	18	.	.	PUNCT
ajbmeb-502	294	19	33	33	NUM
ajbmeb-502	294	20	.	.	PUNCT
ajbmeb-502	295	1	oladejo	oladejo	PROPN
ajbmeb-502	295	2	,	,	PUNCT
ajbmeb-502	295	3	m.	m.	NOUN
ajbmeb-502	295	4	o.	o.	PROPN
ajbmeb-502	295	5	,	,	PUNCT
ajbmeb-502	295	6	&	&	CCONJ
ajbmeb-502	295	7	dada	dada	PROPN
ajbmeb-502	295	8	,	,	PUNCT
ajbmeb-502	295	9	a.	a.	NOUN
ajbmeb-502	295	10	(	(	PUNCT
ajbmeb-502	295	11	2008	2008	NUM
ajbmeb-502	295	12	)	)	PUNCT
ajbmeb-502	295	13	.	.	PUNCT
ajbmeb-502	296	1	information	information	NOUN
ajbmeb-502	296	2	technology	technology	NOUN
ajbmeb-502	296	3	on	on	ADP
ajbmeb-502	296	4	service	service	NOUN
ajbmeb-502	296	5	delivery	delivery	NOUN
ajbmeb-502	296	6	:	:	PUNCT
ajbmeb-502	296	7	an	an	DET
ajbmeb-502	296	8	investigation	investigation	NOUN
ajbmeb-502	296	9	into	into	ADP
ajbmeb-502	296	10	some	some	DET
ajbmeb-502	296	11	selected	select	VERB
ajbmeb-502	296	12	nigerian	nigerian	ADJ
ajbmeb-502	296	13	insurance	insurance	NOUN
ajbmeb-502	296	14	companies	company	NOUN
ajbmeb-502	296	15	.	.	PUNCT
ajbmeb-502	297	1	in	in	ADP
ajbmeb-502	297	2	proceedings	proceeding	NOUN
ajbmeb-502	297	3	of	of	ADP
ajbmeb-502	297	4	international	international	ADJ
ajbmeb-502	297	5	conference	conference	NOUN
ajbmeb-502	297	6	on	on	ADP
ajbmeb-502	297	7	research	research	NOUN
ajbmeb-502	297	8	and	and	CCONJ
ajbmeb-502	297	9	development	development	NOUN
ajbmeb-502	297	10	(	(	PUNCT
ajbmeb-502	297	11	vol	vol	NOUN
ajbmeb-502	297	12	.	.	NOUN
ajbmeb-502	297	13	1	1	NUM
ajbmeb-502	297	14	,	,	PUNCT
ajbmeb-502	297	15	no	no	INTJ
ajbmeb-502	297	16	.	.	NOUN
ajbmeb-502	297	17	13	13	NUM
ajbmeb-502	297	18	)	)	PUNCT
ajbmeb-502	297	19	.	.	PUNCT
ajbmeb-502	298	1	34	34	NUM
ajbmeb-502	298	2	.	.	X
ajbmeb-502	298	3	oliver	oliver	PROPN
ajbmeb-502	298	4	,	,	PUNCT
ajbmeb-502	298	5	r.	r.	PROPN
ajbmeb-502	298	6	l.	l.	PROPN
ajbmeb-502	298	7	(	(	PUNCT
ajbmeb-502	298	8	2010	2010	NUM
ajbmeb-502	298	9	)	)	PUNCT
ajbmeb-502	298	10	.	.	PUNCT
ajbmeb-502	299	1	customer	customer	NOUN
ajbmeb-502	299	2	satisfaction	satisfaction	NOUN
ajbmeb-502	299	3	.	.	PUNCT
ajbmeb-502	300	1	wiley	wiley	PROPN
ajbmeb-502	300	2	international	international	ADJ
ajbmeb-502	300	3	encyclopedia	encyclopedia	NOUN
ajbmeb-502	300	4	of	of	ADP
ajbmeb-502	300	5	marketing	marketing	NOUN
ajbmeb-502	300	6	.	.	PUNCT
ajbmeb-502	301	1	35	35	NUM
ajbmeb-502	301	2	.	.	PUNCT
ajbmeb-502	302	1	oni	oni	PROPN
ajbmeb-502	302	2	,	,	PUNCT
ajbmeb-502	302	3	a.	a.	NOUN
ajbmeb-502	302	4	a.	a.	PROPN
ajbmeb-502	302	5	,	,	PUNCT
ajbmeb-502	302	6	adewoye	adewoye	NOUN
ajbmeb-502	302	7	,	,	PUNCT
ajbmeb-502	302	8	o.	o.	PROPN
ajbmeb-502	302	9	j.	j.	PROPN
ajbmeb-502	302	10	,	,	PUNCT
ajbmeb-502	302	11	&	&	CCONJ
ajbmeb-502	302	12	eweoya	eweoya	PROPN
ajbmeb-502	302	13	,	,	PUNCT
ajbmeb-502	302	14	i.	i.	PROPN
ajbmeb-502	302	15	o.	o.	PROPN
ajbmeb-502	302	16	(	(	PUNCT
ajbmeb-502	302	17	2016	2016	NUM
ajbmeb-502	302	18	)	)	PUNCT
ajbmeb-502	302	19	.	.	PUNCT
ajbmeb-502	303	1	e	e	X
ajbmeb-502	303	2	-	-	ADJ
ajbmeb-502	303	3	banking	banking	ADJ
ajbmeb-502	303	4	users	user	NOUN
ajbmeb-502	303	5	’	'	PUNCT
ajbmeb-502	303	6	behaviour	behaviour	NOUN
ajbmeb-502	303	7	:	:	PUNCT
ajbmeb-502	303	8	e	e	NOUN
ajbmeb-502	303	9	-	-	NOUN
ajbmeb-502	303	10	service	service	ADJ
ajbmeb-502	303	11	quality	quality	NOUN
ajbmeb-502	303	12	,	,	PUNCT
ajbmeb-502	303	13	attitude	attitude	NOUN
ajbmeb-502	303	14	,	,	PUNCT
ajbmeb-502	303	15	and	and	CCONJ
ajbmeb-502	303	16	customer	customer	NOUN
ajbmeb-502	303	17	satisfaction	satisfaction	NOUN
ajbmeb-502	303	18	.	.	PUNCT
ajbmeb-502	304	1	international	international	ADJ
ajbmeb-502	304	2	journal	journal	PROPN
ajbmeb-502	304	3	of	of	ADP
ajbmeb-502	304	4	bank	bank	PROPN
ajbmeb-502	304	5	marketing	marketing	NOUN
ajbmeb-502	304	6	.	.	PUNCT
ajbmeb-502	305	1	34(3	34(3	NUM
ajbmeb-502	305	2	)	)	PUNCT
ajbmeb-502	305	3	,	,	PUNCT
ajbmeb-502	305	4	347367	347367	NUM
ajbmeb-502	305	5	.	.	PUNCT
ajbmeb-502	306	1	36	36	NUM
ajbmeb-502	306	2	.	.	PUNCT
ajbmeb-502	306	3	onyia	onyia	PROPN
ajbmeb-502	306	4	,	,	PUNCT
ajbmeb-502	306	5	o.	o.	PROPN
ajbmeb-502	306	6	p.	p.	PROPN
ajbmeb-502	306	7	,	,	PUNCT
ajbmeb-502	306	8	&	&	CCONJ
ajbmeb-502	306	9	tagg	tagg	PROPN
ajbmeb-502	306	10	,	,	PUNCT
ajbmeb-502	306	11	s.	s.	PROPN
ajbmeb-502	306	12	k.	k.	PROPN
ajbmeb-502	306	13	(	(	PUNCT
ajbmeb-502	306	14	2011	2011	NUM
ajbmeb-502	306	15	)	)	PUNCT
ajbmeb-502	306	16	.	.	PUNCT
ajbmeb-502	307	1	effects	effect	NOUN
ajbmeb-502	307	2	of	of	ADP
ajbmeb-502	307	3	demographic	demographic	ADJ
ajbmeb-502	307	4	factors	factor	NOUN
ajbmeb-502	307	5	on	on	ADP
ajbmeb-502	307	6	bank	bank	NOUN
ajbmeb-502	307	7	customers	customer	NOUN
ajbmeb-502	307	8	’	’	PART
ajbmeb-502	307	9	attitudes	attitude	NOUN
ajbmeb-502	307	10	and	and	CCONJ
ajbmeb-502	307	11	intention	intention	NOUN
ajbmeb-502	307	12	toward	toward	ADP
ajbmeb-502	307	13	internet	internet	NOUN
ajbmeb-502	307	14	banking	banking	NOUN
ajbmeb-502	307	15	adoption	adoption	NOUN
ajbmeb-502	307	16	in	in	ADP
ajbmeb-502	307	17	a	a	DET
ajbmeb-502	307	18	major	major	ADJ
ajbmeb-502	307	19	developing	develop	VERB
ajbmeb-502	307	20	african	african	ADJ
ajbmeb-502	307	21	country	country	NOUN
ajbmeb-502	307	22	.	.	PUNCT
ajbmeb-502	308	1	journal	journal	PROPN
ajbmeb-502	308	2	of	of	ADP
ajbmeb-502	308	3	financial	financial	ADJ
ajbmeb-502	308	4	services	service	NOUN
ajbmeb-502	308	5	marketing	marketing	NOUN
ajbmeb-502	308	6	,	,	PUNCT
ajbmeb-502	308	7	16	16	NUM
ajbmeb-502	308	8	,	,	PUNCT
ajbmeb-502	308	9	294	294	NUM
ajbmeb-502	308	10	-	-	SYM
ajbmeb-502	308	11	315	315	NUM
ajbmeb-502	308	12	.	.	PUNCT
ajbmeb-502	309	1	37	37	NUM
ajbmeb-502	309	2	.	.	PUNCT
ajbmeb-502	309	3	petty	petty	PROPN
ajbmeb-502	309	4	,	,	PUNCT
ajbmeb-502	309	5	r.	r.	PROPN
ajbmeb-502	309	6	e.	e.	PROPN
ajbmeb-502	309	7	,	,	PUNCT
ajbmeb-502	309	8	briñol	briñol	NOUN
ajbmeb-502	309	9	,	,	PUNCT
ajbmeb-502	309	10	p.	p.	NOUN
ajbmeb-502	309	11	,	,	PUNCT
ajbmeb-502	309	12	&	&	CCONJ
ajbmeb-502	309	13	demarree	demarree	NOUN
ajbmeb-502	309	14	,	,	PUNCT
ajbmeb-502	309	15	k.	k.	PROPN
ajbmeb-502	309	16	g.	g.	PROPN
ajbmeb-502	309	17	(	(	PUNCT
ajbmeb-502	309	18	2007	2007	NUM
ajbmeb-502	309	19	)	)	PUNCT
ajbmeb-502	309	20	.	.	PUNCT
ajbmeb-502	310	1	the	the	DET
ajbmeb-502	310	2	meta	meta	ADJ
ajbmeb-502	310	3	–	–	PUNCT
ajbmeb-502	310	4	cognitive	cognitive	ADJ
ajbmeb-502	310	5	model	model	NOUN
ajbmeb-502	310	6	(	(	PUNCT
ajbmeb-502	310	7	mcm	mcm	PROPN
ajbmeb-502	310	8	)	)	PUNCT
ajbmeb-502	310	9	of	of	ADP
ajbmeb-502	310	10	attitudes	attitude	NOUN
ajbmeb-502	310	11	:	:	PUNCT
ajbmeb-502	310	12	implications	implication	NOUN
ajbmeb-502	310	13	for	for	ADP
ajbmeb-502	310	14	attitude	attitude	NOUN
ajbmeb-502	310	15	measurement	measurement	NOUN
ajbmeb-502	310	16	,	,	PUNCT
ajbmeb-502	310	17	change	change	NOUN
ajbmeb-502	310	18	,	,	PUNCT
ajbmeb-502	310	19	and	and	CCONJ
ajbmeb-502	310	20	strength	strength	NOUN
ajbmeb-502	310	21	.	.	PUNCT
ajbmeb-502	311	1	social	social	ADJ
ajbmeb-502	311	2	cognition	cognition	NOUN
ajbmeb-502	311	3	,	,	PUNCT
ajbmeb-502	311	4	25(5	25(5	NUM
ajbmeb-502	311	5	)	)	PUNCT
ajbmeb-502	311	6	,	,	PUNCT
ajbmeb-502	311	7	657	657	NUM
ajbmeb-502	311	8	-	-	SYM
ajbmeb-502	311	9	686	686	NUM
ajbmeb-502	311	10	.	.	PUNCT
ajbmeb-502	312	1	38	38	NUM
ajbmeb-502	312	2	.	.	PUNCT
ajbmeb-502	312	3	piha	piha	PROPN
ajbmeb-502	312	4	,	,	PUNCT
ajbmeb-502	312	5	l.	l.	PROPN
ajbmeb-502	312	6	p.	p.	PROPN
ajbmeb-502	312	7	,	,	PUNCT
ajbmeb-502	312	8	&	&	CCONJ
ajbmeb-502	312	9	avlonitis	avlonitis	PROPN
ajbmeb-502	312	10	,	,	PUNCT
ajbmeb-502	312	11	g.	g.	PROPN
ajbmeb-502	312	12	j.	j.	PROPN
ajbmeb-502	312	13	(	(	PUNCT
ajbmeb-502	312	14	2015	2015	NUM
ajbmeb-502	312	15	)	)	PUNCT
ajbmeb-502	312	16	.	.	PUNCT
ajbmeb-502	313	1	customer	customer	NOUN
ajbmeb-502	313	2	defection	defection	NOUN
ajbmeb-502	313	3	in	in	ADP
ajbmeb-502	313	4	retail	retail	ADJ
ajbmeb-502	313	5	banking	banking	NOUN
ajbmeb-502	313	6	:	:	PUNCT
ajbmeb-502	313	7	attitudinal	attitudinal	ADJ
ajbmeb-502	313	8	and	and	CCONJ
ajbmeb-502	313	9	behavioural	behavioural	ADJ
ajbmeb-502	313	10	consequences	consequence	NOUN
ajbmeb-502	313	11	of	of	ADP
ajbmeb-502	313	12	failed	fail	VERB
ajbmeb-502	313	13	service	service	NOUN
ajbmeb-502	313	14	quality	quality	NOUN
ajbmeb-502	313	15	.	.	PUNCT
ajbmeb-502	314	1	journal	journal	PROPN
ajbmeb-502	314	2	of	of	ADP
ajbmeb-502	314	3	service	service	NOUN
ajbmeb-502	314	4	theory	theory	NOUN
ajbmeb-502	314	5	and	and	CCONJ
ajbmeb-502	314	6	practice	practice	NOUN
ajbmeb-502	314	7	,	,	PUNCT
ajbmeb-502	314	8	25(3	25(3	NUM
ajbmeb-502	314	9	)	)	PUNCT
ajbmeb-502	314	10	,	,	PUNCT
ajbmeb-502	314	11	304	304	NUM
ajbmeb-502	314	12	-	-	SYM
ajbmeb-502	314	13	326	326	NUM
ajbmeb-502	314	14	.	.	NOUN
ajbmeb-502	314	15	39	39	NUM
ajbmeb-502	314	16	.	.	PUNCT
ajbmeb-502	315	1	saadé	saadé	PROPN
ajbmeb-502	315	2	,	,	PUNCT
ajbmeb-502	315	3	r.g	r.g	PROPN
ajbmeb-502	315	4	.	.	PROPN
ajbmeb-502	315	5	,	,	PUNCT
ajbmeb-502	315	6	nebebe	nebebe	PROPN
ajbmeb-502	315	7	,	,	PUNCT
ajbmeb-502	315	8	f.	f.	PROPN
ajbmeb-502	315	9	,	,	PUNCT
ajbmeb-502	315	10	&	&	CCONJ
ajbmeb-502	315	11	tan	tan	PROPN
ajbmeb-502	315	12	,	,	PUNCT
ajbmeb-502	315	13	w.	w.	PROPN
ajbmeb-502	315	14	(	(	PUNCT
ajbmeb-502	315	15	2007	2007	NUM
ajbmeb-502	315	16	)	)	PUNCT
ajbmeb-502	315	17	.	.	PUNCT
ajbmeb-502	316	1	viability	viability	NOUN
ajbmeb-502	316	2	of	of	ADP
ajbmeb-502	316	3	the	the	DET
ajbmeb-502	316	4	technology	technology	NOUN
ajbmeb-502	316	5	acceptance	acceptance	NOUN
ajbmeb-502	316	6	model	model	NOUN
ajbmeb-502	316	7	in	in	ADP
ajbmeb-502	316	8	multimedia	multimedia	NOUN
ajbmeb-502	316	9	learning	learn	VERB
ajbmeb-502	316	10	environments	environment	NOUN
ajbmeb-502	316	11	:	:	PUNCT
ajbmeb-502	316	12	a	a	DET
ajbmeb-502	316	13	comparative	comparative	ADJ
ajbmeb-502	316	14	study	study	NOUN
ajbmeb-502	316	15	.	.	PUNCT
ajbmeb-502	317	1	interdisciplinary	interdisciplinary	ADJ
ajbmeb-502	317	2	journal	journal	NOUN
ajbmeb-502	317	3	of	of	ADP
ajbmeb-502	317	4	knowledge	knowledge	NOUN
ajbmeb-502	317	5	and	and	CCONJ
ajbmeb-502	317	6	learning	learning	NOUN
ajbmeb-502	317	7	objects	object	NOUN
ajbmeb-502	317	8	,	,	PUNCT
ajbmeb-502	317	9	3(1	3(1	NUM
ajbmeb-502	317	10	)	)	PUNCT
ajbmeb-502	317	11	,	,	PUNCT
ajbmeb-502	317	12	175	175	NUM
ajbmeb-502	317	13	-	-	SYM
ajbmeb-502	317	14	184	184	NUM
ajbmeb-502	317	15	.	.	NUM
ajbmeb-502	317	16	40	40	NUM
ajbmeb-502	317	17	.	.	PUNCT
ajbmeb-502	318	1	san	san	PROPN
ajbmeb-502	318	2	-	-	PUNCT
ajbmeb-502	318	3	martín	martín	NOUN
ajbmeb-502	318	4	,	,	PUNCT
ajbmeb-502	318	5	s.	s.	PROPN
ajbmeb-502	318	6	,	,	PUNCT
ajbmeb-502	318	7	prodanova	prodanova	PROPN
ajbmeb-502	318	8	,	,	PUNCT
ajbmeb-502	318	9	j.	j.	PROPN
ajbmeb-502	318	10	,	,	PUNCT
ajbmeb-502	318	11	&	&	CCONJ
ajbmeb-502	318	12	jiménez	jiménez	PROPN
ajbmeb-502	318	13	,	,	PUNCT
ajbmeb-502	318	14	n.	n.	NOUN
ajbmeb-502	318	15	(	(	PUNCT
ajbmeb-502	318	16	2015	2015	NUM
ajbmeb-502	318	17	)	)	PUNCT
ajbmeb-502	318	18	.	.	PUNCT
ajbmeb-502	319	1	the	the	DET
ajbmeb-502	319	2	impact	impact	NOUN
ajbmeb-502	319	3	of	of	ADP
ajbmeb-502	319	4	age	age	NOUN
ajbmeb-502	319	5	in	in	ADP
ajbmeb-502	319	6	the	the	DET
ajbmeb-502	319	7	generation	generation	NOUN
ajbmeb-502	319	8	of	of	ADP
ajbmeb-502	319	9	satisfaction	satisfaction	NOUN
ajbmeb-502	319	10	and	and	CCONJ
ajbmeb-502	319	11	wom	wom	NOUN
ajbmeb-502	319	12	in	in	ADP
ajbmeb-502	319	13	mobile	mobile	ADJ
ajbmeb-502	319	14	shopping	shopping	NOUN
ajbmeb-502	319	15	.	.	PUNCT
ajbmeb-502	320	1	journal	journal	PROPN
ajbmeb-502	320	2	of	of	ADP
ajbmeb-502	320	3	retailing	retailing	NOUN
ajbmeb-502	320	4	and	and	CCONJ
ajbmeb-502	320	5	consumer	consumer	NOUN
ajbmeb-502	320	6	services	service	NOUN
ajbmeb-502	320	7	,	,	PUNCT
ajbmeb-502	320	8	23	23	NUM
ajbmeb-502	320	9	,	,	PUNCT
ajbmeb-502	320	10	1	1	NUM
ajbmeb-502	320	11	-	-	SYM
ajbmeb-502	320	12	8	8	NUM
ajbmeb-502	320	13	.	.	X
ajbmeb-502	320	14	41	41	NUM
ajbmeb-502	320	15	.	.	PUNCT
ajbmeb-502	321	1	saroha	saroha	PROPN
ajbmeb-502	321	2	,	,	PUNCT
ajbmeb-502	321	3	r.	r.	PROPN
ajbmeb-502	321	4	,	,	PUNCT
ajbmeb-502	321	5	&	&	CCONJ
ajbmeb-502	321	6	diwan	diwan	PROPN
ajbmeb-502	321	7	,	,	PUNCT
ajbmeb-502	321	8	s.	s.	PROPN
ajbmeb-502	321	9	p.	p.	PROPN
ajbmeb-502	321	10	(	(	PUNCT
ajbmeb-502	321	11	2017	2017	NUM
ajbmeb-502	321	12	)	)	PUNCT
ajbmeb-502	321	13	.	.	PUNCT
ajbmeb-502	322	1	modelling	model	VERB
ajbmeb-502	322	2	customer	customer	NOUN
ajbmeb-502	322	3	satisfaction	satisfaction	NOUN
ajbmeb-502	322	4	and	and	CCONJ
ajbmeb-502	322	5	customer	customer	NOUN
ajbmeb-502	322	6	loyalty	loyalty	NOUN
ajbmeb-502	322	7	in	in	ADP
ajbmeb-502	322	8	the	the	DET
ajbmeb-502	322	9	frame	frame	NOUN
ajbmeb-502	322	10	of	of	ADP
ajbmeb-502	322	11	telecommunications	telecommunication	NOUN
ajbmeb-502	322	12	industry	industry	NOUN
ajbmeb-502	322	13	:	:	PUNCT
ajbmeb-502	322	14	a	a	DET
ajbmeb-502	322	15	review	review	NOUN
ajbmeb-502	322	16	.	.	PUNCT
ajbmeb-502	323	1	euromed	euromed	PROPN
ajbmeb-502	323	2	journal	journal	PROPN
ajbmeb-502	323	3	of	of	ADP
ajbmeb-502	323	4	management	management	NOUN
ajbmeb-502	323	5	,	,	PUNCT
ajbmeb-502	323	6	2(1	2(1	NUM
ajbmeb-502	323	7	)	)	PUNCT
ajbmeb-502	323	8	,	,	PUNCT
ajbmeb-502	323	9	15	15	NUM
ajbmeb-502	323	10	-	-	SYM
ajbmeb-502	323	11	37	37	NUM
ajbmeb-502	323	12	.	.	PUNCT
ajbmeb-502	324	1	42	42	NUM
ajbmeb-502	324	2	.	.	PUNCT
ajbmeb-502	324	3	setiawan	setiawan	PROPN
ajbmeb-502	324	4	,	,	PUNCT
ajbmeb-502	324	5	h.	h.	PROPN
ajbmeb-502	324	6	,	,	PUNCT
ajbmeb-502	324	7	&	&	CCONJ
ajbmeb-502	324	8	sayuti	sayuti	PROPN
ajbmeb-502	324	9	,	,	PUNCT
ajbmeb-502	324	10	a.	a.	PROPN
ajbmeb-502	324	11	j.	j.	PROPN
ajbmeb-502	324	12	(	(	PUNCT
ajbmeb-502	324	13	2017	2017	NUM
ajbmeb-502	324	14	)	)	PUNCT
ajbmeb-502	324	15	.	.	PUNCT
ajbmeb-502	325	1	effects	effect	NOUN
ajbmeb-502	325	2	of	of	ADP
ajbmeb-502	325	3	service	service	NOUN
ajbmeb-502	325	4	quality	quality	NOUN
ajbmeb-502	325	5	,	,	PUNCT
ajbmeb-502	325	6	customer	customer	NOUN
ajbmeb-502	325	7	trust	trust	NOUN
ajbmeb-502	325	8	and	and	CCONJ
ajbmeb-502	325	9	corporate	corporate	ADJ
ajbmeb-502	325	10	image	image	NOUN
ajbmeb-502	325	11	on	on	ADP
ajbmeb-502	325	12	customer	customer	NOUN
ajbmeb-502	325	13	satisfaction	satisfaction	NOUN
ajbmeb-502	325	14	and	and	CCONJ
ajbmeb-502	325	15	loyalty	loyalty	NOUN
ajbmeb-502	325	16	:	:	PUNCT
ajbmeb-502	325	17	an	an	DET
ajbmeb-502	325	18	assessment	assessment	NOUN
ajbmeb-502	325	19	of	of	ADP
ajbmeb-502	325	20	travel	travel	NOUN
ajbmeb-502	325	21	agencies	agency	NOUN
ajbmeb-502	325	22	customer	customer	NOUN
ajbmeb-502	325	23	in	in	ADP
ajbmeb-502	325	24	south	south	PROPN
ajbmeb-502	325	25	sumatra	sumatra	PROPN
ajbmeb-502	325	26	indonesia	indonesia	PROPN
ajbmeb-502	325	27	.	.	PUNCT
ajbmeb-502	326	1	iosr	iosr	PROPN
ajbmeb-502	326	2	journal	journal	PROPN
ajbmeb-502	326	3	of	of	ADP
ajbmeb-502	326	4	business	business	NOUN
ajbmeb-502	326	5	and	and	CCONJ
ajbmeb-502	326	6	management	management	NOUN
ajbmeb-502	326	7	(	(	PUNCT
ajbmeb-502	326	8	iosr	iosr	ADJ
ajbmeb-502	326	9	-	-	PUNCT
ajbmeb-502	326	10	jbm	jbm	NOUN
ajbmeb-502	326	11	)	)	PUNCT
ajbmeb-502	326	12	,	,	PUNCT
ajbmeb-502	326	13	19(5	19(5	NUM
ajbmeb-502	326	14	)	)	PUNCT
ajbmeb-502	326	15	,	,	PUNCT
ajbmeb-502	326	16	31	31	NUM
ajbmeb-502	326	17	-	-	SYM
ajbmeb-502	326	18	40	40	NUM
ajbmeb-502	326	19	.	.	PUNCT
ajbmeb-502	327	1	43	43	NUM
ajbmeb-502	327	2	.	.	PUNCT
ajbmeb-502	327	3	supathanish	supathanish	PROPN
ajbmeb-502	327	4	,	,	PUNCT
ajbmeb-502	327	5	t.	t.	PROPN
ajbmeb-502	327	6	(	(	PUNCT
ajbmeb-502	327	7	2010	2010	NUM
ajbmeb-502	327	8	)	)	PUNCT
ajbmeb-502	327	9	.	.	PUNCT
ajbmeb-502	328	1	customers	customer	NOUN
ajbmeb-502	328	2	'	'	PART
ajbmeb-502	328	3	discernment	discernment	NOUN
ajbmeb-502	328	4	of	of	ADP
ajbmeb-502	328	5	mobile	mobile	ADJ
ajbmeb-502	328	6	banking	banking	NOUN
ajbmeb-502	328	7	business	business	NOUN
ajbmeb-502	328	8	:	:	PUNCT
ajbmeb-502	328	9	northern	northern	ADJ
ajbmeb-502	328	10	region	region	NOUN
ajbmeb-502	328	11	of	of	ADP
ajbmeb-502	328	12	thailand	thailand	PROPN
ajbmeb-502	328	13	.	.	PUNCT
ajbmeb-502	329	1	in	in	ADP
ajbmeb-502	329	2	international	international	ADJ
ajbmeb-502	329	3	trade	trade	NOUN
ajbmeb-502	329	4	and	and	CCONJ
ajbmeb-502	329	5	academic	academic	ADJ
ajbmeb-502	329	6	research	research	NOUN
ajbmeb-502	329	7	conference	conference	NOUN
ajbmeb-502	329	8	(	(	PUNCT
ajbmeb-502	329	9	itarc	itarc	PROPN
ajbmeb-502	329	10	)	)	PUNCT
ajbmeb-502	329	11	,	,	PUNCT
ajbmeb-502	329	12	dba	dba	PROPN
ajbmeb-502	329	13	,	,	PUNCT
ajbmeb-502	329	14	thailand	thailand	PROPN
ajbmeb-502	329	15	:	:	PUNCT
ajbmeb-502	329	16	marketing	marketing	NOUN
ajbmeb-502	329	17	program	program	NOUN
ajbmeb-502	329	18	,	,	PUNCT
ajbmeb-502	329	19	payap	payap	NOUN
ajbmeb-502	329	20	university	university	NOUN
ajbmeb-502	329	21	pnd	pnd	NOUN
ajbmeb-502	329	22	.	.	PUNCT
ajbmeb-502	330	1	44	44	NUM
ajbmeb-502	330	2	.	.	PUNCT
ajbmeb-502	331	1	trubik	trubik	PROPN
ajbmeb-502	331	2	,	,	PUNCT
ajbmeb-502	331	3	e.	e.	PROPN
ajbmeb-502	331	4	,	,	PUNCT
ajbmeb-502	331	5	&	&	CCONJ
ajbmeb-502	331	6	smith	smith	PROPN
ajbmeb-502	331	7	,	,	PUNCT
ajbmeb-502	331	8	m.	m.	NOUN
ajbmeb-502	331	9	(	(	PUNCT
ajbmeb-502	331	10	2000	2000	NUM
ajbmeb-502	331	11	)	)	PUNCT
ajbmeb-502	331	12	.	.	PUNCT
ajbmeb-502	332	1	developing	develop	VERB
ajbmeb-502	332	2	a	a	DET
ajbmeb-502	332	3	model	model	NOUN
ajbmeb-502	332	4	of	of	ADP
ajbmeb-502	332	5	customer	customer	NOUN
ajbmeb-502	332	6	defection	defection	NOUN
ajbmeb-502	332	7	in	in	ADP
ajbmeb-502	332	8	the	the	DET
ajbmeb-502	332	9	australian	australian	ADJ
ajbmeb-502	332	10	banking	banking	NOUN
ajbmeb-502	332	11	industry	industry	NOUN
ajbmeb-502	332	12	.	.	PUNCT
ajbmeb-502	333	1	managerial	managerial	ADJ
ajbmeb-502	333	2	auditing	auditing	NOUN
ajbmeb-502	333	3	journal	journal	NOUN
ajbmeb-502	333	4	.	.	PUNCT
ajbmeb-502	334	1	15(5	15(5	NUM
ajbmeb-502	334	2	)	)	PUNCT
ajbmeb-502	334	3	,	,	PUNCT
ajbmeb-502	334	4	199	199	NUM
ajbmeb-502	334	5	-	-	SYM
ajbmeb-502	334	6	208	208	NUM
ajbmeb-502	334	7	.	.	PUNCT
ajbmeb-502	335	1	45	45	NUM
ajbmeb-502	335	2	.	.	PUNCT
ajbmeb-502	335	3	wangenheim	wangenheim	PROPN
ajbmeb-502	335	4	,	,	PUNCT
ajbmeb-502	335	5	f.	f.	PROPN
ajbmeb-502	335	6	v.	v.	PROPN
ajbmeb-502	335	7	(	(	PUNCT
ajbmeb-502	335	8	2005	2005	NUM
ajbmeb-502	335	9	)	)	PUNCT
ajbmeb-502	335	10	.	.	PUNCT
ajbmeb-502	336	1	postswitching	postswitche	VERB
ajbmeb-502	336	2	negative	negative	ADJ
ajbmeb-502	336	3	word	word	NOUN
ajbmeb-502	336	4	of	of	ADP
ajbmeb-502	336	5	mouth	mouth	NOUN
ajbmeb-502	336	6	.	.	PUNCT
ajbmeb-502	337	1	journal	journal	PROPN
ajbmeb-502	337	2	of	of	ADP
ajbmeb-502	337	3	service	service	NOUN
ajbmeb-502	337	4	research	research	NOUN
ajbmeb-502	337	5	,	,	PUNCT
ajbmeb-502	337	6	8(1	8(1	NOUN
ajbmeb-502	337	7	)	)	PUNCT
ajbmeb-502	337	8	,	,	PUNCT
ajbmeb-502	337	9	67	67	NUM
ajbmeb-502	337	10	-	-	SYM
ajbmeb-502	337	11	78	78	NUM
ajbmeb-502	337	12	.	.	PUNCT
ajbmeb-502	338	1	46	46	NUM
ajbmeb-502	338	2	.	.	PUNCT
ajbmeb-502	339	1	zamfiroiu	zamfiroiu	PROPN
ajbmeb-502	339	2	,	,	PUNCT
ajbmeb-502	339	3	a.	a.	PROPN
ajbmeb-502	339	4	,	,	PUNCT
ajbmeb-502	339	5	&	&	CCONJ
ajbmeb-502	339	6	sbora	sbora	NOUN
ajbmeb-502	339	7	,	,	PUNCT
ajbmeb-502	339	8	c.	c.	NOUN
ajbmeb-502	339	9	(	(	PUNCT
ajbmeb-502	339	10	2014	2014	NUM
ajbmeb-502	339	11	)	)	PUNCT
ajbmeb-502	339	12	.	.	PUNCT
ajbmeb-502	340	1	statistical	statistical	ADJ
ajbmeb-502	340	2	analysis	analysis	NOUN
ajbmeb-502	340	3	of	of	ADP
ajbmeb-502	340	4	the	the	DET
ajbmeb-502	340	5	behavior	behavior	NOUN
ajbmeb-502	340	6	for	for	ADP
ajbmeb-502	340	7	mobile	mobile	ADJ
ajbmeb-502	340	8	elearning	elearning	NOUN
ajbmeb-502	340	9	.	.	PUNCT
ajbmeb-502	341	1	procedia	procedia	NOUN
ajbmeb-502	341	2	economics	economic	NOUN
ajbmeb-502	341	3	and	and	CCONJ
ajbmeb-502	341	4	finance	finance	NOUN
ajbmeb-502	341	5	,	,	PUNCT
ajbmeb-502	341	6	10	10	NUM
ajbmeb-502	341	7	,	,	PUNCT
ajbmeb-502	341	8	237	237	NUM
ajbmeb-502	341	9	-	-	SYM
ajbmeb-502	341	10	243	243	NUM
ajbmeb-502	341	11	.	.	PUNCT
ajbmeb-502	342	1	american	american	PROPN
ajbmeb-502	342	2	journal	journal	PROPN
ajbmeb-502	342	3	of	of	ADP
ajbmeb-502	342	4	business	business	NOUN
ajbmeb-502	342	5	management	management	NOUN
ajbmeb-502	342	6	,	,	PUNCT
ajbmeb-502	342	7	economics	economic	NOUN
ajbmeb-502	342	8	and	and	CCONJ
ajbmeb-502	342	9	banking	banking	NOUN
ajbmeb-502	342	10	volume	volume	NOUN
ajbmeb-502	342	11	10	10	NUM
ajbmeb-502	342	12	march	march	NOUN
ajbmeb-502	342	13	,	,	PUNCT
ajbmeb-502	342	14	2023	2023	NUM
ajbmeb-502	342	15	p	p	NOUN
ajbmeb-502	342	16	a	a	PRON
ajbmeb-502	342	17	g	g	NOUN
ajbmeb-502	342	18	e	e	NOUN
ajbmeb-502	342	19	|	|	NOUN
ajbmeb-502	342	20	108	108	NUM
ajbmeb-502	342	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-502	342	22	47	47	NUM
ajbmeb-502	342	23	.	.	PUNCT
ajbmeb-502	343	1	zheng	zheng	PROPN
ajbmeb-502	343	2	,	,	PUNCT
ajbmeb-502	343	3	l.	l.	PROPN
ajbmeb-502	343	4	,	,	PUNCT
ajbmeb-502	343	5	&	&	CCONJ
ajbmeb-502	343	6	.	.	PUNCT
ajbmeb-502	344	1	zhong,.y	zhong,.y	PROPN
ajbmeb-502	344	2	2005	2005	NUM
ajbmeb-502	344	3	.	.	PUNCT
ajbmeb-502	345	1	the	the	DET
ajbmeb-502	345	2	adoption	adoption	NOUN
ajbmeb-502	345	3	of	of	ADP
ajbmeb-502	345	4	virtual	virtual	ADJ
ajbmeb-502	345	5	banking	banking	NOUN
ajbmeb-502	345	6	in	in	ADP
ajbmeb-502	345	7	china	china	PROPN
ajbmeb-502	345	8	:	:	PUNCT
ajbmeb-502	345	9	an	an	DET
ajbmeb-502	345	10	empirical	empirical	ADJ
ajbmeb-502	345	11	study	study	NOUN
ajbmeb-502	345	12	.	.	PUNCT
ajbmeb-502	346	1	chinese	chinese	ADJ
ajbmeb-502	346	2	business	business	PROPN
ajbmeb-502	346	3	review	review	PROPN
ajbmeb-502	346	4	4	4	NUM
ajbmeb-502	346	5	(	(	PUNCT
ajbmeb-502	346	6	6):75–8	6):75–8	NUM