id	sid	tid	token	lemma	pos
ajfti-3807	1	1	pa	pa	PROPN
ajfti-3807	1	2	ge	ge	PROPN
ajfti-3807	1	3	1	1	NUM
ajfti-3807	1	4	pa	pa	PROPN
ajfti-3807	1	5	ge	ge	PROPN
ajfti-3807	1	6	23	23	NUM
ajfti-3807	1	7	american	american	ADJ
ajfti-3807	1	8	journal	journal	PROPN
ajfti-3807	1	9	of	of	ADP
ajfti-3807	1	10	financial	financial	ADJ
ajfti-3807	1	11	technology	technology	NOUN
ajfti-3807	1	12	and	and	CCONJ
ajfti-3807	1	13	innovation	innovation	NOUN
ajfti-3807	1	14	(	(	PUNCT
ajfti-3807	1	15	ajfti	ajfti	NOUN
ajfti-3807	1	16	)	)	PUNCT
ajfti-3807	1	17	popularity	popularity	NOUN
ajfti-3807	1	18	of	of	ADP
ajfti-3807	1	19	mobile	mobile	ADJ
ajfti-3807	1	20	transaction	transaction	NOUN
ajfti-3807	1	21	services	service	NOUN
ajfti-3807	1	22	in	in	ADP
ajfti-3807	1	23	the	the	DET
ajfti-3807	1	24	banking	banking	NOUN
ajfti-3807	1	25	sector	sector	NOUN
ajfti-3807	1	26	aisha	aisha	PROPN
ajfti-3807	1	27	badawi	badawi	PROPN
ajfti-3807	1	28	abdelrhman1	abdelrhman1	PROPN
ajfti-3807	2	1	*	*	PUNCT
ajfti-3807	2	2	volume	volume	NOUN
ajfti-3807	2	3	3	3	NUM
ajfti-3807	2	4	issue	issue	NOUN
ajfti-3807	2	5	1	1	NUM
ajfti-3807	2	6	,	,	PUNCT
ajfti-3807	2	7	year	year	NOUN
ajfti-3807	2	8	2025	2025	NUM
ajfti-3807	2	9	issn	issn	PROPN
ajfti-3807	2	10	:	:	PUNCT
ajfti-3807	2	11	2996	2996	NUM
ajfti-3807	2	12	-	-	SYM
ajfti-3807	2	13	0975	0975	NUM
ajfti-3807	2	14	(	(	PUNCT
ajfti-3807	2	15	online	online	ADJ
ajfti-3807	2	16	)	)	PUNCT
ajfti-3807	2	17	doi	doi	NOUN
ajfti-3807	2	18	:	:	PUNCT
ajfti-3807	2	19	https://doi.org/10.54536/ajfti.v3i1.3807	https://doi.org/10.54536/ajfti.v3i1.3807	PROPN
ajfti-3807	2	20	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3807	2	21	article	article	NOUN
ajfti-3807	2	22	information	information	NOUN
ajfti-3807	2	23	abstract	abstract	ADV
ajfti-3807	2	24	received	receive	VERB
ajfti-3807	2	25	:	:	PUNCT
ajfti-3807	2	26	september	september	PROPN
ajfti-3807	2	27	25	25	NUM
ajfti-3807	2	28	,	,	PUNCT
ajfti-3807	2	29	2024	2024	NUM
ajfti-3807	2	30	accepted	accept	VERB
ajfti-3807	2	31	:	:	PUNCT
ajfti-3807	2	32	october	october	PROPN
ajfti-3807	2	33	22	22	NUM
ajfti-3807	2	34	,	,	PUNCT
ajfti-3807	2	35	2024	2024	NUM
ajfti-3807	2	36	published	publish	VERB
ajfti-3807	2	37	:	:	PUNCT
ajfti-3807	2	38	february	february	PROPN
ajfti-3807	2	39	12	12	NUM
ajfti-3807	2	40	,	,	PUNCT
ajfti-3807	2	41	2025	2025	NUM
ajfti-3807	2	42	the	the	DET
ajfti-3807	2	43	study	study	NOUN
ajfti-3807	2	44	endeavors	endeavor	NOUN
ajfti-3807	2	45	to	to	PART
ajfti-3807	2	46	analyze	analyze	VERB
ajfti-3807	2	47	the	the	DET
ajfti-3807	2	48	factors	factor	NOUN
ajfti-3807	2	49	driving	drive	VERB
ajfti-3807	2	50	the	the	DET
ajfti-3807	2	51	adoption	adoption	NOUN
ajfti-3807	2	52	and	and	CCONJ
ajfti-3807	2	53	application	application	NOUN
ajfti-3807	2	54	of	of	ADP
ajfti-3807	2	55	internet	internet	NOUN
ajfti-3807	2	56	-	-	PUNCT
ajfti-3807	2	57	based	base	VERB
ajfti-3807	2	58	bank	bank	NOUN
ajfti-3807	2	59	services	service	NOUN
ajfti-3807	2	60	in	in	ADP
ajfti-3807	2	61	the	the	DET
ajfti-3807	2	62	sudan	sudan	PROPN
ajfti-3807	2	63	with	with	ADP
ajfti-3807	2	64	a	a	DET
ajfti-3807	2	65	special	special	ADJ
ajfti-3807	2	66	emphasis	emphasis	NOUN
ajfti-3807	2	67	on	on	ADP
ajfti-3807	2	68	e	e	NOUN
ajfti-3807	2	69	-	-	NOUN
ajfti-3807	2	70	banking	banking	NOUN
ajfti-3807	2	71	.	.	PUNCT
ajfti-3807	3	1	utilizing	utilize	VERB
ajfti-3807	3	2	tam	tam	PROPN
ajfti-3807	3	3	’s	’s	PART
ajfti-3807	3	4	structure	structure	NOUN
ajfti-3807	3	5	,	,	PUNCT
ajfti-3807	3	6	this	this	DET
ajfti-3807	3	7	research	research	NOUN
ajfti-3807	3	8	explains	explain	VERB
ajfti-3807	3	9	the	the	DET
ajfti-3807	3	10	usage	usage	NOUN
ajfti-3807	3	11	of	of	ADP
ajfti-3807	3	12	customers	customer	NOUN
ajfti-3807	3	13	on	on	ADP
ajfti-3807	3	14	the	the	DET
ajfti-3807	3	15	internet	internet	NOUN
ajfti-3807	3	16	banking	banking	NOUN
ajfti-3807	3	17	world	world	NOUN
ajfti-3807	3	18	by	by	ADP
ajfti-3807	3	19	focusing	focus	VERB
ajfti-3807	3	20	on	on	ADP
ajfti-3807	3	21	these	these	DET
ajfti-3807	3	22	features	feature	NOUN
ajfti-3807	3	23	:	:	PUNCT
ajfti-3807	3	24	utility	utility	NOUN
ajfti-3807	3	25	,	,	PUNCT
ajfti-3807	3	26	user	user	NOUN
ajfti-3807	3	27	-	-	PUNCT
ajfti-3807	3	28	friendliness	friendliness	ADJ
ajfti-3807	3	29	,	,	PUNCT
ajfti-3807	3	30	trust	trust	NOUN
ajfti-3807	3	31	management	management	NOUN
ajfti-3807	3	32	,	,	PUNCT
ajfti-3807	3	33	and	and	CCONJ
ajfti-3807	3	34	cultural	cultural	ADJ
ajfti-3807	3	35	considerations	consideration	NOUN
ajfti-3807	3	36	.	.	PUNCT
ajfti-3807	4	1	it	it	PRON
ajfti-3807	4	2	was	be	AUX
ajfti-3807	4	3	revealed	reveal	VERB
ajfti-3807	4	4	that	that	SCONJ
ajfti-3807	4	5	,	,	PUNCT
ajfti-3807	4	6	although	although	SCONJ
ajfti-3807	4	7	security	security	NOUN
ajfti-3807	4	8	and	and	CCONJ
ajfti-3807	4	9	reliability	reliability	NOUN
ajfti-3807	4	10	remain	remain	VERB
ajfti-3807	4	11	one	one	NUM
ajfti-3807	4	12	of	of	ADP
ajfti-3807	4	13	the	the	DET
ajfti-3807	4	14	most	most	ADV
ajfti-3807	4	15	significant	significant	ADJ
ajfti-3807	4	16	concerns	concern	NOUN
ajfti-3807	4	17	in	in	ADP
ajfti-3807	4	18	banking	banking	NOUN
ajfti-3807	4	19	,	,	PUNCT
ajfti-3807	4	20	end	end	NOUN
ajfti-3807	4	21	users	user	NOUN
ajfti-3807	4	22	are	be	AUX
ajfti-3807	4	23	also	also	ADV
ajfti-3807	4	24	looking	look	VERB
ajfti-3807	4	25	for	for	ADP
ajfti-3807	4	26	a	a	DET
ajfti-3807	4	27	bank	bank	NOUN
ajfti-3807	4	28	with	with	ADP
ajfti-3807	4	29	good	good	ADJ
ajfti-3807	4	30	design	design	NOUN
ajfti-3807	4	31	,	,	PUNCT
ajfti-3807	4	32	enjoyable	enjoyable	ADJ
ajfti-3807	4	33	features	feature	NOUN
ajfti-3807	4	34	and	and	CCONJ
ajfti-3807	4	35	which	which	PRON
ajfti-3807	4	36	is	be	AUX
ajfti-3807	4	37	socially	socially	ADV
ajfti-3807	4	38	ideal	ideal	ADJ
ajfti-3807	4	39	.	.	PUNCT
ajfti-3807	5	1	the	the	DET
ajfti-3807	5	2	study	study	NOUN
ajfti-3807	5	3	highlights	highlight	VERB
ajfti-3807	5	4	the	the	DET
ajfti-3807	5	5	increasing	increase	VERB
ajfti-3807	5	6	popularity	popularity	NOUN
ajfti-3807	5	7	of	of	ADP
ajfti-3807	5	8	mobile	mobile	ADJ
ajfti-3807	5	9	transaction	transaction	NOUN
ajfti-3807	5	10	services	service	NOUN
ajfti-3807	5	11	in	in	ADP
ajfti-3807	5	12	emerging	emerge	VERB
ajfti-3807	5	13	markets	market	NOUN
ajfti-3807	5	14	,	,	PUNCT
ajfti-3807	5	15	highlighting	highlight	VERB
ajfti-3807	5	16	the	the	DET
ajfti-3807	5	17	need	need	NOUN
ajfti-3807	5	18	for	for	ADP
ajfti-3807	5	19	better	well	ADJ
ajfti-3807	5	20	understanding	understanding	NOUN
ajfti-3807	5	21	of	of	ADP
ajfti-3807	5	22	user	user	NOUN
ajfti-3807	5	23	behavior	behavior	NOUN
ajfti-3807	5	24	and	and	CCONJ
ajfti-3807	5	25	optimizing	optimize	VERB
ajfti-3807	5	26	their	their	PRON
ajfti-3807	5	27	usefulness	usefulness	NOUN
ajfti-3807	5	28	and	and	CCONJ
ajfti-3807	5	29	establishment	establishment	NOUN
ajfti-3807	5	30	in	in	ADP
ajfti-3807	5	31	sudan	sudan	PROPN
ajfti-3807	5	32	.	.	PUNCT
ajfti-3807	6	1	the	the	DET
ajfti-3807	6	2	case	case	NOUN
ajfti-3807	6	3	study	study	NOUN
ajfti-3807	6	4	of	of	ADP
ajfti-3807	6	5	this	this	DET
ajfti-3807	6	6	research	research	NOUN
ajfti-3807	6	7	consists	consist	VERB
ajfti-3807	6	8	of	of	ADP
ajfti-3807	6	9	five	five	NUM
ajfti-3807	6	10	major	major	ADJ
ajfti-3807	6	11	sudanese	sudanese	ADJ
ajfti-3807	6	12	commercial	commercial	ADJ
ajfti-3807	6	13	banks	bank	NOUN
ajfti-3807	6	14	in	in	ADP
ajfti-3807	6	15	khartoum	khartoum	PROPN
ajfti-3807	6	16	chosen	choose	VERB
ajfti-3807	6	17	because	because	SCONJ
ajfti-3807	6	18	they	they	PRON
ajfti-3807	6	19	are	be	AUX
ajfti-3807	6	20	the	the	DET
ajfti-3807	6	21	pioneers	pioneer	NOUN
ajfti-3807	6	22	in	in	ADP
ajfti-3807	6	23	developing	develop	VERB
ajfti-3807	6	24	and	and	CCONJ
ajfti-3807	6	25	starting	start	VERB
ajfti-3807	6	26	the	the	DET
ajfti-3807	6	27	application	application	NOUN
ajfti-3807	6	28	of	of	ADP
ajfti-3807	6	29	eb	eb	PROPN
ajfti-3807	6	30	services	services	PROPN
ajfti-3807	6	31	in	in	ADP
ajfti-3807	6	32	sudan	sudan	PROPN
ajfti-3807	6	33	namely	namely	ADV
ajfti-3807	6	34	sudanese	sudanese	PROPN
ajfti-3807	6	35	french	french	ADJ
ajfti-3807	6	36	bank	bank	NOUN
ajfti-3807	6	37	,	,	PUNCT
ajfti-3807	6	38	albaraka	albaraka	ADV
ajfti-3807	6	39	bank	bank	NOUN
ajfti-3807	6	40	,	,	PUNCT
ajfti-3807	6	41	omdurman	omdurman	PROPN
ajfti-3807	6	42	national	national	PROPN
ajfti-3807	6	43	bank	bank	PROPN
ajfti-3807	6	44	,	,	PUNCT
ajfti-3807	6	45	faisal	faisal	PROPN
ajfti-3807	6	46	islamic	islamic	PROPN
ajfti-3807	6	47	bank	bank	PROPN
ajfti-3807	6	48	and	and	CCONJ
ajfti-3807	6	49	tadamon	tadamon	PROPN
ajfti-3807	6	50	islamic	islamic	PROPN
ajfti-3807	6	51	bank	bank	PROPN
ajfti-3807	6	52	.	.	PUNCT
ajfti-3807	7	1	the	the	DET
ajfti-3807	7	2	time	time	NOUN
ajfti-3807	7	3	limit	limit	NOUN
ajfti-3807	7	4	covered	cover	VERB
ajfti-3807	7	5	is	be	AUX
ajfti-3807	7	6	the	the	DET
ajfti-3807	7	7	2019	2019	NUM
ajfti-3807	7	8	-	-	SYM
ajfti-3807	7	9	2023	2023	NUM
ajfti-3807	7	10	.	.	PUNCT
ajfti-3807	8	1	data	datum	NOUN
ajfti-3807	8	2	for	for	ADP
ajfti-3807	8	3	this	this	DET
ajfti-3807	8	4	study	study	NOUN
ajfti-3807	8	5	was	be	AUX
ajfti-3807	8	6	collected	collect	VERB
ajfti-3807	8	7	by	by	ADP
ajfti-3807	8	8	means	mean	NOUN
ajfti-3807	8	9	of	of	ADP
ajfti-3807	8	10	a	a	DET
ajfti-3807	8	11	survey	survey	NOUN
ajfti-3807	8	12	conducted	conduct	VERB
ajfti-3807	8	13	in	in	ADP
ajfti-3807	8	14	khartoum	khartoum	PROPN
ajfti-3807	8	15	.	.	PUNCT
ajfti-3807	9	1	a	a	DET
ajfti-3807	9	2	total	total	NOUN
ajfti-3807	9	3	of	of	ADP
ajfti-3807	9	4	300	300	NUM
ajfti-3807	9	5	questionnaire	questionnaire	NOUN
ajfti-3807	9	6	forms	form	NOUN
ajfti-3807	9	7	were	be	AUX
ajfti-3807	9	8	delivered	deliver	VERB
ajfti-3807	9	9	to	to	ADP
ajfti-3807	9	10	respondents	respondent	NOUN
ajfti-3807	9	11	of	of	ADP
ajfti-3807	9	12	which	which	PRON
ajfti-3807	9	13	233	233	NUM
ajfti-3807	9	14	were	be	AUX
ajfti-3807	9	15	returned	return	VERB
ajfti-3807	9	16	giving	give	VERB
ajfti-3807	9	17	a	a	DET
ajfti-3807	9	18	response	response	NOUN
ajfti-3807	9	19	rate	rate	NOUN
ajfti-3807	9	20	of	of	ADP
ajfti-3807	9	21	71	71	NUM
ajfti-3807	9	22	percent	percent	NOUN
ajfti-3807	9	23	.	.	PUNCT
ajfti-3807	10	1	questionnaires	questionnaire	NOUN
ajfti-3807	10	2	were	be	AUX
ajfti-3807	10	3	filled	fill	VERB
ajfti-3807	10	4	in	in	ADP
ajfti-3807	10	5	five	five	NUM
ajfti-3807	10	6	different	different	ADJ
ajfti-3807	10	7	banks	bank	NOUN
ajfti-3807	10	8	and	and	CCONJ
ajfti-3807	10	9	in	in	ADP
ajfti-3807	10	10	different	different	ADJ
ajfti-3807	10	11	branches	branch	NOUN
ajfti-3807	10	12	by	by	ADP
ajfti-3807	10	13	selected	select	VERB
ajfti-3807	10	14	customers	customer	NOUN
ajfti-3807	10	15	with	with	ADP
ajfti-3807	10	16	different	different	ADJ
ajfti-3807	10	17	banking	banking	NOUN
ajfti-3807	10	18	treatments	treatment	NOUN
ajfti-3807	10	19	.	.	PUNCT
ajfti-3807	11	1	this	this	DET
ajfti-3807	11	2	results	result	VERB
ajfti-3807	11	3	in	in	ADP
ajfti-3807	11	4	a	a	DET
ajfti-3807	11	5	sample	sample	NOUN
ajfti-3807	11	6	that	that	PRON
ajfti-3807	11	7	was	be	AUX
ajfti-3807	11	8	well	well	ADV
ajfti-3807	11	9	distributed	distribute	VERB
ajfti-3807	11	10	in	in	ADP
ajfti-3807	11	11	terms	term	NOUN
ajfti-3807	11	12	of	of	ADP
ajfti-3807	11	13	demographic	demographic	ADJ
ajfti-3807	11	14	information	information	NOUN
ajfti-3807	11	15	e.g.	e.g.	ADV
ajfti-3807	11	16	age	age	NOUN
ajfti-3807	11	17	,	,	PUNCT
ajfti-3807	11	18	education	education	NOUN
ajfti-3807	11	19	,	,	PUNCT
ajfti-3807	11	20	income	income	NOUN
ajfti-3807	11	21	,	,	PUNCT
ajfti-3807	11	22	and	and	CCONJ
ajfti-3807	11	23	treatment	treatment	NOUN
ajfti-3807	11	24	period	period	NOUN
ajfti-3807	11	25	.	.	PUNCT
ajfti-3807	12	1	the	the	DET
ajfti-3807	12	2	questionnaire	questionnaire	NOUN
ajfti-3807	12	3	consisted	consist	VERB
ajfti-3807	12	4	of	of	ADP
ajfti-3807	12	5	questions	question	NOUN
ajfti-3807	12	6	that	that	PRON
ajfti-3807	12	7	related	relate	VERB
ajfti-3807	12	8	to	to	ADP
ajfti-3807	12	9	background	background	NOUN
ajfti-3807	12	10	,	,	PUNCT
ajfti-3807	12	11	possible	possible	ADJ
ajfti-3807	12	12	factors	factor	NOUN
ajfti-3807	12	13	affecting	affect	VERB
ajfti-3807	12	14	acceptance	acceptance	NOUN
ajfti-3807	12	15	of	of	ADP
ajfti-3807	12	16	ib	ib	NOUN
ajfti-3807	12	17	and	and	CCONJ
ajfti-3807	12	18	use	use	NOUN
ajfti-3807	12	19	of	of	ADP
ajfti-3807	12	20	ib	ib	PROPN
ajfti-3807	12	21	services	services	PROPN
ajfti-3807	12	22	.	.	PUNCT
ajfti-3807	13	1	likert	likert	ADJ
ajfti-3807	13	2	five	five	NUM
ajfti-3807	13	3	point	point	NOUN
ajfti-3807	13	4	scales	scale	NOUN
ajfti-3807	13	5	ranging	range	VERB
ajfti-3807	13	6	from	from	ADP
ajfti-3807	13	7	“	"	PUNCT
ajfti-3807	13	8	strongly	strongly	ADV
ajfti-3807	13	9	agree	agree	VERB
ajfti-3807	13	10	”	"	PUNCT
ajfti-3807	13	11	to	to	PART
ajfti-3807	13	12	“	"	PUNCT
ajfti-3807	13	13	strongly	strongly	ADV
ajfti-3807	13	14	disagree	disagree	VERB
ajfti-3807	13	15	”	"	PUNCT
ajfti-3807	13	16	were	be	AUX
ajfti-3807	13	17	used	use	VERB
ajfti-3807	13	18	as	as	ADP
ajfti-3807	13	19	a	a	DET
ajfti-3807	13	20	basis	basis	NOUN
ajfti-3807	13	21	of	of	ADP
ajfti-3807	13	22	questions	question	NOUN
ajfti-3807	13	23	.	.	PUNCT
ajfti-3807	14	1	the	the	DET
ajfti-3807	14	2	scale	scale	NOUN
ajfti-3807	14	3	has	have	AUX
ajfti-3807	14	4	been	be	AUX
ajfti-3807	14	5	used	use	VERB
ajfti-3807	14	6	in	in	ADP
ajfti-3807	14	7	previous	previous	ADJ
ajfti-3807	14	8	tam	tam	NOUN
ajfti-3807	14	9	related	relate	VERB
ajfti-3807	14	10	researches	research	VERB
ajfti-3807	14	11	e.g.	e.g.	ADV
ajfti-3807	14	12	igbaria	igbaria	X
ajfti-3807	14	13	et	et	PROPN
ajfti-3807	14	14	al	al	PROPN
ajfti-3807	14	15	;	;	PUNCT
ajfti-3807	14	16	1995	1995	NUM
ajfti-3807	14	17	;	;	PUNCT
ajfti-3807	14	18	teo	teo	PROPN
ajfti-3807	14	19	et	et	PROPN
ajfti-3807	14	20	al	al	PROPN
ajfti-3807	14	21	;	;	PUNCT
ajfti-3807	14	22	1999	1999	NUM
ajfti-3807	14	23	,	,	PUNCT
ajfti-3807	14	24	tero	tero	PROPN
ajfti-3807	14	25	and	and	CCONJ
ajfti-3807	14	26	kari	kari	PROPN
ajfti-3807	14	27	;	;	PUNCT
ajfti-3807	14	28	2005	2005	NUM
ajfti-3807	14	29	.	.	PUNCT
ajfti-3807	15	1	additionally	additionally	ADV
ajfti-3807	15	2	,	,	PUNCT
ajfti-3807	15	3	the	the	DET
ajfti-3807	15	4	“	"	PUNCT
ajfti-3807	15	5	neutral	neutral	ADJ
ajfti-3807	15	6	”	"	PUNCT
ajfti-3807	15	7	option	option	NOUN
ajfti-3807	15	8	was	be	AUX
ajfti-3807	15	9	allowed	allow	VERB
ajfti-3807	15	10	in	in	ADP
ajfti-3807	15	11	almost	almost	ADV
ajfti-3807	15	12	all	all	PRON
ajfti-3807	15	13	questions	question	NOUN
ajfti-3807	15	14	.	.	PUNCT
ajfti-3807	16	1	the	the	DET
ajfti-3807	16	2	questionnaire	questionnaire	NOUN
ajfti-3807	16	3	was	be	AUX
ajfti-3807	16	4	developed	develop	VERB
ajfti-3807	16	5	and	and	CCONJ
ajfti-3807	16	6	tested	test	VERB
ajfti-3807	16	7	with	with	ADP
ajfti-3807	16	8	a	a	DET
ajfti-3807	16	9	focus	focus	NOUN
ajfti-3807	16	10	group	group	NOUN
ajfti-3807	16	11	consisting	consist	VERB
ajfti-3807	16	12	of	of	ADP
ajfti-3807	16	13	professionals	professional	NOUN
ajfti-3807	16	14	from	from	ADP
ajfti-3807	16	15	sudan	sudan	PROPN
ajfti-3807	16	16	university	university	PROPN
ajfti-3807	16	17	and	and	CCONJ
ajfti-3807	16	18	the	the	DET
ajfti-3807	16	19	banking	banking	NOUN
ajfti-3807	16	20	sector	sector	NOUN
ajfti-3807	16	21	.	.	PUNCT
ajfti-3807	17	1	the	the	DET
ajfti-3807	17	2	focus	focus	NOUN
ajfti-3807	17	3	group	group	NOUN
ajfti-3807	17	4	finally	finally	ADV
ajfti-3807	17	5	verified	verify	VERB
ajfti-3807	17	6	that	that	SCONJ
ajfti-3807	17	7	the	the	DET
ajfti-3807	17	8	hypotheses	hypothesis	NOUN
ajfti-3807	17	9	might	might	AUX
ajfti-3807	17	10	be	be	AUX
ajfti-3807	17	11	an	an	DET
ajfti-3807	17	12	affective	affective	ADJ
ajfti-3807	17	13	factor	factor	NOUN
ajfti-3807	17	14	explaining	explain	VERB
ajfti-3807	17	15	ib	ib	PROPN
ajfti-3807	17	16	acceptance	acceptance	NOUN
ajfti-3807	17	17	.	.	PUNCT
ajfti-3807	18	1	based	base	VERB
ajfti-3807	18	2	on	on	ADP
ajfti-3807	18	3	this	this	DET
ajfti-3807	18	4	information	information	NOUN
ajfti-3807	18	5	the	the	DET
ajfti-3807	18	6	questionnaire	questionnaire	NOUN
ajfti-3807	18	7	was	be	AUX
ajfti-3807	18	8	modified	modify	VERB
ajfti-3807	18	9	and	and	CCONJ
ajfti-3807	18	10	finalized	finalize	VERB
ajfti-3807	18	11	.	.	PUNCT
ajfti-3807	19	1	keywords	keyword	VERB
ajfti-3807	19	2	cultural	cultural	ADJ
ajfti-3807	19	3	considerations	consideration	NOUN
ajfti-3807	19	4	,	,	PUNCT
ajfti-3807	19	5	electronic	electronic	ADJ
ajfti-3807	19	6	payment	payment	NOUN
ajfti-3807	19	7	systems	system	NOUN
ajfti-3807	19	8	,	,	PUNCT
ajfti-3807	19	9	internet	internet	NOUN
ajfti-3807	19	10	banking	banking	NOUN
ajfti-3807	19	11	,	,	PUNCT
ajfti-3807	19	12	mobile	mobile	ADJ
ajfti-3807	19	13	technology	technology	NOUN
ajfti-3807	19	14	,	,	PUNCT
ajfti-3807	19	15	technology	technology	NOUN
ajfti-3807	19	16	acceptance	acceptance	NOUN
ajfti-3807	19	17	model	model	NOUN
ajfti-3807	19	18	(	(	PUNCT
ajfti-3807	19	19	tam	tam	PROPN
ajfti-3807	19	20	)	)	PUNCT
ajfti-3807	19	21	,	,	PUNCT
ajfti-3807	19	22	sudan	sudan	PROPN
ajfti-3807	19	23	,	,	PUNCT
ajfti-3807	19	24	user	user	NOUN
ajfti-3807	19	25	-	-	PUNCT
ajfti-3807	19	26	friendliness	friendliness	ADJ
ajfti-3807	19	27	,	,	PUNCT
ajfti-3807	19	28	trust	trust	NOUN
ajfti-3807	19	29	management	management	NOUN
ajfti-3807	19	30	introduction	introduction	NOUN
ajfti-3807	19	31	the	the	DET
ajfti-3807	19	32	factors	factor	NOUN
ajfti-3807	19	33	influencing	influence	VERB
ajfti-3807	19	34	internet	internet	NOUN
ajfti-3807	19	35	banking	banking	NOUN
ajfti-3807	19	36	acceptance	acceptance	NOUN
ajfti-3807	19	37	in	in	ADP
ajfti-3807	19	38	sudan	sudan	PROPN
ajfti-3807	19	39	using	use	VERB
ajfti-3807	19	40	the	the	DET
ajfti-3807	19	41	technology	technology	NOUN
ajfti-3807	19	42	acceptance	acceptance	NOUN
ajfti-3807	19	43	model	model	NOUN
ajfti-3807	19	44	(	(	PUNCT
ajfti-3807	19	45	tam	tam	PROPN
ajfti-3807	19	46	)	)	PUNCT
ajfti-3807	19	47	,	,	PUNCT
ajfti-3807	19	48	a	a	DET
ajfti-3807	19	49	widely	widely	ADV
ajfti-3807	19	50	used	use	VERB
ajfti-3807	19	51	model	model	NOUN
ajfti-3807	19	52	for	for	ADP
ajfti-3807	19	53	understanding	understanding	NOUN
ajfti-3807	19	54	and	and	CCONJ
ajfti-3807	19	55	predicting	predict	VERB
ajfti-3807	19	56	technology	technology	NOUN
ajfti-3807	19	57	adoption	adoption	NOUN
ajfti-3807	19	58	.	.	PUNCT
ajfti-3807	20	1	it	it	PRON
ajfti-3807	20	2	focuses	focus	VERB
ajfti-3807	20	3	on	on	ADP
ajfti-3807	20	4	perceived	perceive	VERB
ajfti-3807	20	5	usefulness	usefulness	NOUN
ajfti-3807	20	6	and	and	CCONJ
ajfti-3807	20	7	ease	ease	NOUN
ajfti-3807	20	8	of	of	ADP
ajfti-3807	20	9	use	use	NOUN
ajfti-3807	20	10	as	as	ADP
ajfti-3807	20	11	key	key	ADJ
ajfti-3807	20	12	determinants	determinant	NOUN
ajfti-3807	20	13	of	of	ADP
ajfti-3807	20	14	an	an	DET
ajfti-3807	20	15	individual	individual	NOUN
ajfti-3807	20	16	’s	’s	PART
ajfti-3807	20	17	attitude	attitude	NOUN
ajfti-3807	20	18	and	and	CCONJ
ajfti-3807	20	19	intention	intention	NOUN
ajfti-3807	20	20	to	to	PART
ajfti-3807	20	21	use	use	VERB
ajfti-3807	20	22	a	a	DET
ajfti-3807	20	23	particular	particular	ADJ
ajfti-3807	20	24	technology	technology	NOUN
ajfti-3807	20	25	(	(	PUNCT
ajfti-3807	20	26	prastiawan	prastiawan	PROPN
ajfti-3807	20	27	et	et	PROPN
ajfti-3807	20	28	al	al	PROPN
ajfti-3807	20	29	.	.	PROPN
ajfti-3807	20	30	,	,	PUNCT
ajfti-3807	20	31	2021	2021	NUM
ajfti-3807	20	32	)	)	PUNCT
ajfti-3807	20	33	.	.	PUNCT
ajfti-3807	21	1	in	in	ADP
ajfti-3807	21	2	the	the	DET
ajfti-3807	21	3	context	context	NOUN
ajfti-3807	21	4	of	of	ADP
ajfti-3807	21	5	internet	internet	NOUN
ajfti-3807	21	6	banking	banking	NOUN
ajfti-3807	21	7	in	in	ADP
ajfti-3807	21	8	sudan	sudan	PROPN
ajfti-3807	21	9	,	,	PUNCT
ajfti-3807	21	10	pu	pu	PROPN
ajfti-3807	21	11	refers	refer	VERB
ajfti-3807	21	12	to	to	ADP
ajfti-3807	21	13	the	the	DET
ajfti-3807	21	14	degree	degree	NOUN
ajfti-3807	21	15	to	to	PART
ajfti-3807	21	16	which	which	PRON
ajfti-3807	21	17	customers	customer	NOUN
ajfti-3807	21	18	believe	believe	VERB
ajfti-3807	21	19	that	that	SCONJ
ajfti-3807	21	20	using	use	VERB
ajfti-3807	21	21	internet	internet	NOUN
ajfti-3807	21	22	banking	banking	NOUN
ajfti-3807	21	23	will	will	AUX
ajfti-3807	21	24	enhance	enhance	VERB
ajfti-3807	21	25	their	their	PRON
ajfti-3807	21	26	banking	banking	NOUN
ajfti-3807	21	27	experience	experience	NOUN
ajfti-3807	21	28	,	,	PUNCT
ajfti-3807	21	29	such	such	ADJ
ajfti-3807	21	30	as	as	ADP
ajfti-3807	21	31	convenience	convenience	NOUN
ajfti-3807	21	32	,	,	PUNCT
ajfti-3807	21	33	efficiency	efficiency	NOUN
ajfti-3807	21	34	,	,	PUNCT
ajfti-3807	21	35	and	and	CCONJ
ajfti-3807	21	36	accessibility	accessibility	NOUN
ajfti-3807	21	37	(	(	PUNCT
ajfti-3807	21	38	chauhan	chauhan	PROPN
ajfti-3807	21	39	et	et	PROPN
ajfti-3807	21	40	al	al	PROPN
ajfti-3807	21	41	.	.	PROPN
ajfti-3807	21	42	,	,	PUNCT
ajfti-3807	21	43	2022	2022	NUM
ajfti-3807	21	44	)	)	PUNCT
ajfti-3807	21	45	.	.	PUNCT
ajfti-3807	22	1	in	in	ADP
ajfti-3807	22	2	contrast	contrast	NOUN
ajfti-3807	22	3	,	,	PUNCT
ajfti-3807	22	4	peou	peou	ADV
ajfti-3807	22	5	measures	measure	VERB
ajfti-3807	22	6	how	how	SCONJ
ajfti-3807	22	7	simple	simple	ADJ
ajfti-3807	22	8	clients	client	NOUN
ajfti-3807	22	9	find	find	VERB
ajfti-3807	22	10	it	it	PRON
ajfti-3807	22	11	to	to	PART
ajfti-3807	22	12	use	use	VERB
ajfti-3807	22	13	and	and	CCONJ
ajfti-3807	22	14	comprehend	comprehend	VERB
ajfti-3807	22	15	online	online	ADJ
ajfti-3807	22	16	banking	banking	NOUN
ajfti-3807	22	17	(	(	PUNCT
ajfti-3807	22	18	kavitha	kavitha	PROPN
ajfti-3807	22	19	&	&	CCONJ
ajfti-3807	22	20	gopinath	gopinath	PROPN
ajfti-3807	22	21	,	,	PUNCT
ajfti-3807	22	22	2020	2020	NUM
ajfti-3807	22	23	)	)	PUNCT
ajfti-3807	22	24	.	.	PUNCT
ajfti-3807	23	1	several	several	ADJ
ajfti-3807	23	2	factors	factor	NOUN
ajfti-3807	23	3	may	may	AUX
ajfti-3807	23	4	influence	influence	VERB
ajfti-3807	23	5	the	the	DET
ajfti-3807	23	6	perceived	perceive	VERB
ajfti-3807	23	7	usefulness	usefulness	NOUN
ajfti-3807	23	8	and	and	CCONJ
ajfti-3807	23	9	ease	ease	NOUN
ajfti-3807	23	10	of	of	ADP
ajfti-3807	23	11	use	use	NOUN
ajfti-3807	23	12	of	of	ADP
ajfti-3807	23	13	internet	internet	NOUN
ajfti-3807	23	14	banking	banking	NOUN
ajfti-3807	23	15	in	in	ADP
ajfti-3807	23	16	sudan	sudan	PROPN
ajfti-3807	23	17	(	(	PUNCT
ajfti-3807	23	18	omer	omer	PROPN
ajfti-3807	23	19	&	&	CCONJ
ajfti-3807	23	20	adam	adam	PROPN
ajfti-3807	23	21	,	,	PUNCT
ajfti-3807	23	22	2020	2020	NUM
ajfti-3807	23	23	)	)	PUNCT
ajfti-3807	23	24	.	.	PUNCT
ajfti-3807	24	1	the	the	DET
ajfti-3807	24	2	emergence	emergence	NOUN
ajfti-3807	24	3	of	of	ADP
ajfti-3807	24	4	smartphones	smartphone	NOUN
ajfti-3807	24	5	and	and	CCONJ
ajfti-3807	24	6	mobile	mobile	NOUN
ajfti-3807	24	7	internet	internet	NOUN
ajfti-3807	24	8	services	service	NOUN
ajfti-3807	24	9	has	have	AUX
ajfti-3807	24	10	contributed	contribute	VERB
ajfti-3807	24	11	significantly	significantly	ADV
ajfti-3807	24	12	to	to	ADP
ajfti-3807	24	13	the	the	DET
ajfti-3807	24	14	dramatic	dramatic	ADJ
ajfti-3807	24	15	growth	growth	NOUN
ajfti-3807	24	16	in	in	ADP
ajfti-3807	24	17	internet	internet	NOUN
ajfti-3807	24	18	penetration	penetration	NOUN
ajfti-3807	24	19	in	in	ADP
ajfti-3807	24	20	sudan	sudan	PROPN
ajfti-3807	24	21	during	during	ADP
ajfti-3807	24	22	the	the	DET
ajfti-3807	24	23	last	last	ADJ
ajfti-3807	24	24	several	several	ADJ
ajfti-3807	24	25	years	year	NOUN
ajfti-3807	24	26	(	(	PUNCT
ajfti-3807	24	27	ibrahim	ibrahim	PROPN
ajfti-3807	24	28	et	et	PROPN
ajfti-3807	24	29	al	al	PROPN
ajfti-3807	24	30	.	.	PROPN
ajfti-3807	24	31	,	,	PUNCT
ajfti-3807	24	32	2021	2021	NUM
ajfti-3807	24	33	)	)	PUNCT
ajfti-3807	24	34	.	.	PUNCT
ajfti-3807	25	1	internet	internet	NOUN
ajfti-3807	25	2	banking	banking	NOUN
ajfti-3807	25	3	has	have	AUX
ajfti-3807	25	4	probably	probably	ADV
ajfti-3807	25	5	become	become	VERB
ajfti-3807	25	6	more	more	ADV
ajfti-3807	25	7	accessible	accessible	ADJ
ajfti-3807	25	8	to	to	ADP
ajfti-3807	25	9	a	a	DET
ajfti-3807	25	10	greater	great	ADJ
ajfti-3807	25	11	portion	portion	NOUN
ajfti-3807	25	12	of	of	ADP
ajfti-3807	25	13	the	the	DET
ajfti-3807	25	14	public	public	NOUN
ajfti-3807	25	15	due	due	ADP
ajfti-3807	25	16	to	to	ADP
ajfti-3807	25	17	the	the	DET
ajfti-3807	25	18	increasing	increase	VERB
ajfti-3807	25	19	access	access	NOUN
ajfti-3807	25	20	to	to	ADP
ajfti-3807	25	21	technology	technology	NOUN
ajfti-3807	25	22	.	.	PUNCT
ajfti-3807	26	1	perceived	perceive	VERB
ajfti-3807	26	2	security	security	NOUN
ajfti-3807	26	3	of	of	ADP
ajfti-3807	26	4	online	online	ADJ
ajfti-3807	26	5	transactions	transaction	NOUN
ajfti-3807	26	6	is	be	AUX
ajfti-3807	26	7	another	another	DET
ajfti-3807	26	8	aspect	aspect	NOUN
ajfti-3807	26	9	that	that	PRON
ajfti-3807	26	10	can	can	AUX
ajfti-3807	26	11	impact	impact	VERB
ajfti-3807	26	12	the	the	DET
ajfti-3807	26	13	adoption	adoption	NOUN
ajfti-3807	26	14	of	of	ADP
ajfti-3807	26	15	internet	internet	NOUN
ajfti-3807	26	16	banking	banking	NOUN
ajfti-3807	26	17	in	in	ADP
ajfti-3807	26	18	sudan	sudan	PROPN
ajfti-3807	26	19	(	(	PUNCT
ajfti-3807	26	20	khattab	khattab	PROPN
ajfti-3807	26	21	et	et	PROPN
ajfti-3807	26	22	al	al	PROPN
ajfti-3807	26	23	.	.	PROPN
ajfti-3807	26	24	,	,	PUNCT
ajfti-3807	26	25	2020	2020	NUM
ajfti-3807	26	26	)	)	PUNCT
ajfti-3807	26	27	.	.	PUNCT
ajfti-3807	27	1	if	if	SCONJ
ajfti-3807	27	2	consumers	consumer	NOUN
ajfti-3807	27	3	have	have	VERB
ajfti-3807	27	4	faith	faith	NOUN
ajfti-3807	27	5	that	that	SCONJ
ajfti-3807	27	6	their	their	PRON
ajfti-3807	27	7	financial	financial	ADJ
ajfti-3807	27	8	and	and	CCONJ
ajfti-3807	27	9	personal	personal	ADJ
ajfti-3807	27	10	details	detail	NOUN
ajfti-3807	27	11	will	will	AUX
ajfti-3807	27	12	be	be	AUX
ajfti-3807	27	13	safe	safe	ADJ
ajfti-3807	27	14	while	while	SCONJ
ajfti-3807	27	15	banking	banking	NOUN
ajfti-3807	27	16	online	online	ADV
ajfti-3807	27	17	,	,	PUNCT
ajfti-3807	27	18	they	they	PRON
ajfti-3807	27	19	are	be	AUX
ajfti-3807	27	20	more	more	ADV
ajfti-3807	27	21	inclined	inclined	ADJ
ajfti-3807	27	22	to	to	PART
ajfti-3807	27	23	use	use	VERB
ajfti-3807	27	24	the	the	DET
ajfti-3807	27	25	service	service	NOUN
ajfti-3807	27	26	.	.	PUNCT
ajfti-3807	28	1	therefore	therefore	ADV
ajfti-3807	28	2	,	,	PUNCT
ajfti-3807	28	3	sudanese	sudanese	ADJ
ajfti-3807	28	4	banks	bank	NOUN
ajfti-3807	28	5	must	must	AUX
ajfti-3807	28	6	establish	establish	VERB
ajfti-3807	28	7	strong	strong	ADJ
ajfti-3807	28	8	security	security	NOUN
ajfti-3807	28	9	protocols	protocol	NOUN
ajfti-3807	28	10	to	to	PART
ajfti-3807	28	11	reassure	reassure	VERB
ajfti-3807	28	12	clients	client	NOUN
ajfti-3807	28	13	that	that	SCONJ
ajfti-3807	28	14	their	their	PRON
ajfti-3807	28	15	online	online	ADJ
ajfti-3807	28	16	banking	banking	NOUN
ajfti-3807	28	17	is	be	AUX
ajfti-3807	28	18	secure	secure	ADJ
ajfti-3807	28	19	(	(	PUNCT
ajfti-3807	28	20	masad	masad	VERB
ajfti-3807	28	21	et	et	PROPN
ajfti-3807	28	22	al	al	PROPN
ajfti-3807	28	23	.	.	PROPN
ajfti-3807	28	24	,	,	PUNCT
ajfti-3807	28	25	2023	2023	NUM
ajfti-3807	28	26	)	)	PUNCT
ajfti-3807	28	27	.	.	PUNCT
ajfti-3807	29	1	cultural	cultural	ADJ
ajfti-3807	29	2	factors	factor	NOUN
ajfti-3807	29	3	may	may	AUX
ajfti-3807	29	4	also	also	ADV
ajfti-3807	29	5	play	play	VERB
ajfti-3807	29	6	a	a	DET
ajfti-3807	29	7	role	role	NOUN
ajfti-3807	29	8	in	in	ADP
ajfti-3807	29	9	shaping	shape	VERB
ajfti-3807	29	10	customers	customer	NOUN
ajfti-3807	29	11	’	’	PART
ajfti-3807	29	12	attitudes	attitude	NOUN
ajfti-3807	29	13	toward	toward	ADP
ajfti-3807	29	14	internet	internet	NOUN
ajfti-3807	29	15	banking	banking	NOUN
ajfti-3807	29	16	in	in	ADP
ajfti-3807	29	17	sudan	sudan	PROPN
ajfti-3807	29	18	(	(	PUNCT
ajfti-3807	29	19	elmassah	elmassah	PROPN
ajfti-3807	29	20	&	&	CCONJ
ajfti-3807	29	21	abou	abou	PROPN
ajfti-3807	29	22	-	-	PUNCT
ajfti-3807	29	23	el	el	PROPN
ajfti-3807	29	24	-	-	PUNCT
ajfti-3807	29	25	sood	sood	NOUN
ajfti-3807	29	26	,	,	PUNCT
ajfti-3807	29	27	2022	2022	NUM
ajfti-3807	29	28	)	)	PUNCT
ajfti-3807	29	29	.	.	PUNCT
ajfti-3807	30	1	for	for	ADP
ajfti-3807	30	2	instance	instance	NOUN
ajfti-3807	30	3	,	,	PUNCT
ajfti-3807	30	4	various	various	ADJ
ajfti-3807	30	5	demographic	demographic	ADJ
ajfti-3807	30	6	groups	group	NOUN
ajfti-3807	30	7	may	may	AUX
ajfti-3807	30	8	have	have	VERB
ajfti-3807	30	9	differing	differ	VERB
ajfti-3807	30	10	perspectives	perspective	NOUN
ajfti-3807	30	11	about	about	ADP
ajfti-3807	30	12	the	the	DET
ajfti-3807	30	13	security	security	NOUN
ajfti-3807	30	14	of	of	ADP
ajfti-3807	30	15	online	online	ADJ
ajfti-3807	30	16	transactions	transaction	NOUN
ajfti-3807	30	17	and	and	CCONJ
ajfti-3807	30	18	the	the	DET
ajfti-3807	30	19	reliability	reliability	NOUN
ajfti-3807	30	20	of	of	ADP
ajfti-3807	30	21	technology	technology	NOUN
ajfti-3807	30	22	(	(	PUNCT
ajfti-3807	30	23	hossain	hossain	PROPN
ajfti-3807	30	24	et	et	PROPN
ajfti-3807	30	25	al	al	PROPN
ajfti-3807	30	26	.	.	PROPN
ajfti-3807	30	27	,	,	PUNCT
ajfti-3807	30	28	2020	2020	NUM
ajfti-3807	30	29	)	)	PUNCT
ajfti-3807	30	30	.	.	PUNCT
ajfti-3807	31	1	banks	bank	NOUN
ajfti-3807	31	2	need	need	VERB
ajfti-3807	31	3	to	to	PART
ajfti-3807	31	4	understand	understand	VERB
ajfti-3807	31	5	these	these	DET
ajfti-3807	31	6	cultural	cultural	ADJ
ajfti-3807	31	7	nuances	nuance	NOUN
ajfti-3807	31	8	and	and	CCONJ
ajfti-3807	31	9	tailor	tailor	VERB
ajfti-3807	31	10	their	their	PRON
ajfti-3807	31	11	internet	internet	NOUN
ajfti-3807	31	12	banking	banking	NOUN
ajfti-3807	31	13	services	service	NOUN
ajfti-3807	31	14	to	to	PART
ajfti-3807	31	15	meet	meet	VERB
ajfti-3807	31	16	the	the	DET
ajfti-3807	31	17	specific	specific	ADJ
ajfti-3807	31	18	needs	need	NOUN
ajfti-3807	31	19	and	and	CCONJ
ajfti-3807	31	20	expectations	expectation	NOUN
ajfti-3807	31	21	of	of	ADP
ajfti-3807	31	22	sudanese	sudanese	ADJ
ajfti-3807	31	23	customers	customer	NOUN
ajfti-3807	31	24	(	(	PUNCT
ajfti-3807	31	25	alhanatleh	alhanatleh	NOUN
ajfti-3807	31	26	,	,	PUNCT
ajfti-3807	31	27	2021	2021	NUM
ajfti-3807	31	28	)	)	PUNCT
ajfti-3807	31	29	.	.	PUNCT
ajfti-3807	32	1	it	it	PRON
ajfti-3807	32	2	is	be	AUX
ajfti-3807	32	3	widely	widely	ADV
ajfti-3807	32	4	believed	believe	VERB
ajfti-3807	32	5	that	that	SCONJ
ajfti-3807	32	6	the	the	DET
ajfti-3807	32	7	rise	rise	NOUN
ajfti-3807	32	8	of	of	ADP
ajfti-3807	32	9	online	online	ADJ
ajfti-3807	32	10	banking	banking	NOUN
ajfti-3807	32	11	and	and	CCONJ
ajfti-3807	32	12	other	other	ADJ
ajfti-3807	32	13	financial	financial	ADJ
ajfti-3807	32	14	services	service	NOUN
ajfti-3807	32	15	is	be	AUX
ajfti-3807	32	16	a	a	DET
ajfti-3807	32	17	hallmark	hallmark	NOUN
ajfti-3807	32	18	of	of	ADP
ajfti-3807	32	19	the	the	DET
ajfti-3807	32	20	current	current	ADJ
ajfti-3807	32	21	economic	economic	ADJ
ajfti-3807	32	22	renaissance	renaissance	NOUN
ajfti-3807	32	23	and	and	CCONJ
ajfti-3807	32	24	a	a	DET
ajfti-3807	32	25	crucial	crucial	ADJ
ajfti-3807	32	26	outcome	outcome	NOUN
ajfti-3807	32	27	of	of	ADP
ajfti-3807	32	28	modern	modern	ADJ
ajfti-3807	32	29	scientific	scientific	ADJ
ajfti-3807	32	30	and	and	CCONJ
ajfti-3807	32	31	technology	technology	NOUN
ajfti-3807	32	32	progress	progress	NOUN
ajfti-3807	32	33	(	(	PUNCT
ajfti-3807	32	34	abad	abad	PROPN
ajfti-3807	32	35	-	-	PUNCT
ajfti-3807	32	36	segura	segura	PROPN
ajfti-3807	32	37	et	et	PROPN
ajfti-3807	32	38	al	al	PROPN
ajfti-3807	32	39	.	.	PROPN
ajfti-3807	32	40	,	,	PUNCT
ajfti-3807	32	41	2020	2020	NUM
ajfti-3807	32	42	)	)	PUNCT
ajfti-3807	32	43	.	.	PUNCT
ajfti-3807	33	1	the	the	DET
ajfti-3807	33	2	rapid	rapid	ADJ
ajfti-3807	33	3	global	global	ADJ
ajfti-3807	33	4	adoption	adoption	NOUN
ajfti-3807	33	5	of	of	ADP
ajfti-3807	33	6	information	information	NOUN
ajfti-3807	33	7	technology	technology	NOUN
ajfti-3807	33	8	by	by	ADP
ajfti-3807	33	9	businesses	business	NOUN
ajfti-3807	33	10	due	due	ADJ
ajfti-3807	33	11	to	to	ADP
ajfti-3807	33	12	the	the	DET
ajfti-3807	33	13	technological	technological	ADJ
ajfti-3807	33	14	revolution	revolution	NOUN
ajfti-3807	33	15	and	and	CCONJ
ajfti-3807	33	16	rapid	rapid	ADJ
ajfti-3807	33	17	spread	spread	NOUN
ajfti-3807	33	18	of	of	ADP
ajfti-3807	33	19	the	the	DET
ajfti-3807	33	20	internet	internet	NOUN
ajfti-3807	33	21	has	have	AUX
ajfti-3807	33	22	significantly	significantly	ADV
ajfti-3807	33	23	impacted	impact	VERB
ajfti-3807	33	24	various	various	ADJ
ajfti-3807	33	25	industries	industry	NOUN
ajfti-3807	33	26	and	and	CCONJ
ajfti-3807	33	27	1	1	NUM
ajfti-3807	33	28	northern	northern	ADJ
ajfti-3807	33	29	boarder	boarder	PROPN
ajfti-3807	33	30	university	university	PROPN
ajfti-3807	33	31	,	,	PUNCT
ajfti-3807	33	32	college	college	NOUN
ajfti-3807	33	33	of	of	ADP
ajfti-3807	33	34	business	business	PROPN
ajfti-3807	33	35	administration	administration	PROPN
ajfti-3807	33	36	,	,	PUNCT
ajfti-3807	33	37	banking	banking	NOUN
ajfti-3807	33	38	and	and	CCONJ
ajfti-3807	33	39	finance	finance	NOUN
ajfti-3807	33	40	,	,	PUNCT
ajfti-3807	33	41	saudi	saudi	PROPN
ajfti-3807	33	42	arabia	arabia	PROPN
ajfti-3807	33	43	*	*	PUNCT
ajfti-3807	33	44	corresponding	correspond	VERB
ajfti-3807	33	45	author	author	NOUN
ajfti-3807	33	46	’s	’s	PART
ajfti-3807	33	47	e	e	NOUN
ajfti-3807	33	48	-	-	NOUN
ajfti-3807	33	49	mail	mail	NOUN
ajfti-3807	33	50	:	:	PUNCT
ajfti-3807	33	51	aisha.badawi@nbu.edu.sa	aisha.badawi@nbu.edu.sa	PROPN
ajfti-3807	33	52	pa	pa	PROPN
ajfti-3807	33	53	ge	ge	PROPN
ajfti-3807	33	54	24	24	NUM
ajfti-3807	33	55	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3807	33	56	am	be	AUX
ajfti-3807	33	57	.	.	PUNCT
ajfti-3807	34	1	j.	j.	PROPN
ajfti-3807	34	2	financ	financ	PROPN
ajfti-3807	34	3	.	.	PUNCT
ajfti-3807	35	1	technol	technol	PROPN
ajfti-3807	35	2	.	.	PUNCT
ajfti-3807	35	3	innov	innov	PROPN
ajfti-3807	35	4	.	.	PUNCT
ajfti-3807	36	1	3(1	3(1	NUM
ajfti-3807	36	2	)	)	PUNCT
ajfti-3807	36	3	23	23	NUM
ajfti-3807	36	4	-	-	SYM
ajfti-3807	36	5	31	31	NUM
ajfti-3807	36	6	,	,	PUNCT
ajfti-3807	36	7	2025	2025	NUM
ajfti-3807	36	8	businesses	business	NOUN
ajfti-3807	36	9	(	(	PUNCT
ajfti-3807	36	10	rymarczyk	rymarczyk	NOUN
ajfti-3807	36	11	,	,	PUNCT
ajfti-3807	36	12	2021	2021	NUM
ajfti-3807	36	13	)	)	PUNCT
ajfti-3807	36	14	.	.	PUNCT
ajfti-3807	37	1	in	in	ADP
ajfti-3807	37	2	order	order	NOUN
ajfti-3807	37	3	to	to	PART
ajfti-3807	37	4	stay	stay	VERB
ajfti-3807	37	5	ahead	ahead	ADV
ajfti-3807	37	6	of	of	ADP
ajfti-3807	37	7	the	the	DET
ajfti-3807	37	8	competition	competition	NOUN
ajfti-3807	37	9	and	and	CCONJ
ajfti-3807	37	10	create	create	VERB
ajfti-3807	37	11	new	new	ADJ
ajfti-3807	37	12	,	,	PUNCT
ajfti-3807	37	13	useful	useful	ADJ
ajfti-3807	37	14	systems	system	NOUN
ajfti-3807	37	15	and	and	CCONJ
ajfti-3807	37	16	apps	app	NOUN
ajfti-3807	37	17	to	to	PART
ajfti-3807	37	18	improve	improve	VERB
ajfti-3807	37	19	banking	banking	NOUN
ajfti-3807	37	20	services	service	NOUN
ajfti-3807	37	21	,	,	PUNCT
ajfti-3807	37	22	the	the	DET
ajfti-3807	37	23	banking	banking	NOUN
ajfti-3807	37	24	industry	industry	NOUN
ajfti-3807	37	25	has	have	AUX
ajfti-3807	37	26	been	be	AUX
ajfti-3807	37	27	using	use	VERB
ajfti-3807	37	28	electronic	electronic	ADJ
ajfti-3807	37	29	technology	technology	NOUN
ajfti-3807	37	30	(	(	PUNCT
ajfti-3807	37	31	subanidja	subanidja	PROPN
ajfti-3807	37	32	et	et	PROPN
ajfti-3807	37	33	al	al	PROPN
ajfti-3807	37	34	.	.	PROPN
ajfti-3807	37	35	,	,	PUNCT
ajfti-3807	37	36	2022	2022	NUM
ajfti-3807	37	37	)	)	PUNCT
ajfti-3807	37	38	.	.	PUNCT
ajfti-3807	38	1	contemporary	contemporary	ADJ
ajfti-3807	38	2	technology	technology	NOUN
ajfti-3807	38	3	has	have	AUX
ajfti-3807	38	4	become	become	VERB
ajfti-3807	38	5	one	one	NUM
ajfti-3807	38	6	of	of	ADP
ajfti-3807	38	7	the	the	DET
ajfti-3807	38	8	biggest	big	ADJ
ajfti-3807	38	9	strategic	strategic	ADJ
ajfti-3807	38	10	issues	issue	NOUN
ajfti-3807	38	11	in	in	ADP
ajfti-3807	38	12	the	the	DET
ajfti-3807	38	13	field	field	NOUN
ajfti-3807	38	14	of	of	ADP
ajfti-3807	38	15	banking	banking	NOUN
ajfti-3807	38	16	,	,	PUNCT
ajfti-3807	38	17	and	and	CCONJ
ajfti-3807	38	18	this	this	DET
ajfti-3807	38	19	reality	reality	NOUN
ajfti-3807	38	20	imposes	impose	VERB
ajfti-3807	38	21	great	great	ADJ
ajfti-3807	38	22	challenges	challenge	NOUN
ajfti-3807	38	23	on	on	ADP
ajfti-3807	38	24	banks	bank	NOUN
ajfti-3807	38	25	(	(	PUNCT
ajfti-3807	38	26	heffernan	heffernan	PROPN
ajfti-3807	38	27	,	,	PUNCT
ajfti-3807	38	28	2005	2005	NUM
ajfti-3807	38	29	)	)	PUNCT
ajfti-3807	38	30	.	.	PUNCT
ajfti-3807	39	1	new	new	ADJ
ajfti-3807	39	2	patterns	pattern	NOUN
ajfti-3807	39	3	of	of	ADP
ajfti-3807	39	4	transactions	transaction	NOUN
ajfti-3807	39	5	and	and	CCONJ
ajfti-3807	39	6	activities	activity	NOUN
ajfti-3807	39	7	have	have	AUX
ajfti-3807	39	8	emerged	emerge	VERB
ajfti-3807	39	9	across	across	ADP
ajfti-3807	39	10	numerous	numerous	ADJ
ajfti-3807	39	11	industries	industry	NOUN
ajfti-3807	39	12	as	as	ADP
ajfti-3807	39	13	a	a	DET
ajfti-3807	39	14	consequence	consequence	NOUN
ajfti-3807	39	15	of	of	ADP
ajfti-3807	39	16	the	the	DET
ajfti-3807	39	17	exponential	exponential	ADJ
ajfti-3807	39	18	rise	rise	NOUN
ajfti-3807	39	19	of	of	ADP
ajfti-3807	39	20	information	information	NOUN
ajfti-3807	39	21	technology	technology	NOUN
ajfti-3807	39	22	and	and	CCONJ
ajfti-3807	39	23	the	the	DET
ajfti-3807	39	24	amount	amount	NOUN
ajfti-3807	39	25	of	of	ADP
ajfti-3807	39	26	data	datum	NOUN
ajfti-3807	39	27	.	.	PUNCT
ajfti-3807	40	1	as	as	ADP
ajfti-3807	40	2	a	a	DET
ajfti-3807	40	3	result	result	NOUN
ajfti-3807	40	4	,	,	PUNCT
ajfti-3807	40	5	the	the	DET
ajfti-3807	40	6	world	world	NOUN
ajfti-3807	40	7	is	be	AUX
ajfti-3807	40	8	going	go	VERB
ajfti-3807	40	9	through	through	ADP
ajfti-3807	40	10	deep	deep	ADJ
ajfti-3807	40	11	and	and	CCONJ
ajfti-3807	40	12	fast	fast	ADJ
ajfti-3807	40	13	alterations	alteration	NOUN
ajfti-3807	40	14	(	(	PUNCT
ajfti-3807	40	15	nordhaus	nordhaus	NOUN
ajfti-3807	40	16	,	,	PUNCT
ajfti-3807	40	17	2021	2021	NUM
ajfti-3807	40	18	)	)	PUNCT
ajfti-3807	40	19	.	.	PUNCT
ajfti-3807	41	1	the	the	DET
ajfti-3807	41	2	banking	banking	NOUN
ajfti-3807	41	3	industry	industry	NOUN
ajfti-3807	41	4	has	have	AUX
ajfti-3807	41	5	significantly	significantly	ADV
ajfti-3807	41	6	shifted	shift	VERB
ajfti-3807	41	7	towards	towards	ADP
ajfti-3807	41	8	online	online	ADJ
ajfti-3807	41	9	and	and	CCONJ
ajfti-3807	41	10	mobile	mobile	ADJ
ajfti-3807	41	11	banking	banking	NOUN
ajfti-3807	41	12	due	due	ADP
ajfti-3807	41	13	to	to	ADP
ajfti-3807	41	14	increasing	increase	VERB
ajfti-3807	41	15	client	client	NOUN
ajfti-3807	41	16	expectations	expectation	NOUN
ajfti-3807	41	17	,	,	PUNCT
ajfti-3807	41	18	fierce	fierce	ADJ
ajfti-3807	41	19	competition	competition	NOUN
ajfti-3807	41	20	,	,	PUNCT
ajfti-3807	41	21	cost	cost	NOUN
ajfti-3807	41	22	reduction	reduction	NOUN
ajfti-3807	41	23	,	,	PUNCT
ajfti-3807	41	24	improved	improved	ADJ
ajfti-3807	41	25	efficiency	efficiency	NOUN
ajfti-3807	41	26	,	,	PUNCT
ajfti-3807	41	27	and	and	CCONJ
ajfti-3807	41	28	increased	increase	VERB
ajfti-3807	41	29	service	service	NOUN
ajfti-3807	41	30	offerings	offering	NOUN
ajfti-3807	41	31	(	(	PUNCT
ajfti-3807	41	32	wewege	wewege	VERB
ajfti-3807	41	33	et	et	PROPN
ajfti-3807	41	34	al	al	PROPN
ajfti-3807	41	35	.	.	PROPN
ajfti-3807	41	36	,	,	PUNCT
ajfti-3807	41	37	2020	2020	NUM
ajfti-3807	41	38	)	)	PUNCT
ajfti-3807	41	39	.	.	PUNCT
ajfti-3807	42	1	the	the	DET
ajfti-3807	42	2	development	development	NOUN
ajfti-3807	42	3	of	of	ADP
ajfti-3807	42	4	electronic	electronic	ADJ
ajfti-3807	42	5	banking	banking	NOUN
ajfti-3807	42	6	services	service	NOUN
ajfti-3807	42	7	in	in	ADP
ajfti-3807	42	8	sudan	sudan	PROPN
ajfti-3807	42	9	,	,	PUNCT
ajfti-3807	42	10	their	their	PRON
ajfti-3807	42	11	types	type	NOUN
ajfti-3807	42	12	,	,	PUNCT
ajfti-3807	42	13	legislation	legislation	NOUN
ajfti-3807	42	14	,	,	PUNCT
ajfti-3807	42	15	challenges	challenge	NOUN
ajfti-3807	42	16	,	,	PUNCT
ajfti-3807	42	17	and	and	CCONJ
ajfti-3807	42	18	future	future	ADJ
ajfti-3807	42	19	visions	vision	NOUN
ajfti-3807	42	20	for	for	ADP
ajfti-3807	42	21	electronic	electronic	ADJ
ajfti-3807	42	22	payment	payment	NOUN
ajfti-3807	42	23	services	service	NOUN
ajfti-3807	42	24	(	(	PUNCT
ajfti-3807	42	25	leila	leila	PROPN
ajfti-3807	42	26	&	&	CCONJ
ajfti-3807	42	27	fatiha	fatiha	PROPN
ajfti-3807	42	28	,	,	PUNCT
ajfti-3807	42	29	2022	2022	NUM
ajfti-3807	42	30	)	)	PUNCT
ajfti-3807	42	31	.	.	PUNCT
ajfti-3807	43	1	the	the	DET
ajfti-3807	43	2	development	development	NOUN
ajfti-3807	43	3	of	of	ADP
ajfti-3807	43	4	electronic	electronic	ADJ
ajfti-3807	43	5	payment	payment	NOUN
ajfti-3807	43	6	services	service	NOUN
ajfti-3807	43	7	in	in	ADP
ajfti-3807	43	8	sudan	sudan	PROPN
ajfti-3807	43	9	,	,	PUNCT
ajfti-3807	43	10	analyzing	analyze	VERB
ajfti-3807	43	11	their	their	PRON
ajfti-3807	43	12	components	component	NOUN
ajfti-3807	43	13	,	,	PUNCT
ajfti-3807	43	14	advantages	advantage	NOUN
ajfti-3807	43	15	,	,	PUNCT
ajfti-3807	43	16	obstacles	obstacle	NOUN
ajfti-3807	43	17	,	,	PUNCT
ajfti-3807	43	18	and	and	CCONJ
ajfti-3807	43	19	risks	risk	NOUN
ajfti-3807	43	20	,	,	PUNCT
ajfti-3807	43	21	and	and	CCONJ
ajfti-3807	43	22	proposing	propose	VERB
ajfti-3807	43	23	potential	potential	ADJ
ajfti-3807	43	24	expansion	expansion	NOUN
ajfti-3807	43	25	solutions	solution	NOUN
ajfti-3807	43	26	(	(	PUNCT
ajfti-3807	43	27	mokar	mokar	NOUN
ajfti-3807	43	28	et	et	PROPN
ajfti-3807	43	29	al	al	PROPN
ajfti-3807	43	30	.	.	PROPN
ajfti-3807	43	31	,	,	PUNCT
ajfti-3807	43	32	2021	2021	NUM
ajfti-3807	43	33	)	)	PUNCT
ajfti-3807	43	34	.	.	PUNCT
ajfti-3807	44	1	the	the	DET
ajfti-3807	44	2	banking	banking	NOUN
ajfti-3807	44	3	industry	industry	NOUN
ajfti-3807	44	4	has	have	AUX
ajfti-3807	44	5	made	make	VERB
ajfti-3807	44	6	significant	significant	ADJ
ajfti-3807	44	7	progress	progress	NOUN
ajfti-3807	44	8	in	in	ADP
ajfti-3807	44	9	enabling	enable	VERB
ajfti-3807	44	10	electronic	electronic	ADJ
ajfti-3807	44	11	banking	banking	NOUN
ajfti-3807	44	12	services	service	NOUN
ajfti-3807	44	13	,	,	PUNCT
ajfti-3807	44	14	which	which	PRON
ajfti-3807	44	15	are	be	AUX
ajfti-3807	44	16	expected	expect	VERB
ajfti-3807	44	17	to	to	PART
ajfti-3807	44	18	rapidly	rapidly	ADV
ajfti-3807	44	19	spread	spread	VERB
ajfti-3807	44	20	in	in	ADP
ajfti-3807	44	21	sudan	sudan	PROPN
ajfti-3807	44	22	(	(	PUNCT
ajfti-3807	44	23	mustafa	mustafa	PROPN
ajfti-3807	44	24	,	,	PUNCT
ajfti-3807	44	25	2021	2021	NUM
ajfti-3807	44	26	)	)	PUNCT
ajfti-3807	44	27	.	.	PUNCT
ajfti-3807	45	1	study	study	NOUN
ajfti-3807	45	2	is	be	AUX
ajfti-3807	45	3	needed	need	VERB
ajfti-3807	45	4	to	to	PART
ajfti-3807	45	5	understand	understand	VERB
ajfti-3807	45	6	the	the	DET
ajfti-3807	45	7	factors	factor	NOUN
ajfti-3807	45	8	affecting	affect	VERB
ajfti-3807	45	9	the	the	DET
ajfti-3807	45	10	spread	spread	NOUN
ajfti-3807	45	11	of	of	ADP
ajfti-3807	45	12	these	these	DET
ajfti-3807	45	13	services	service	NOUN
ajfti-3807	45	14	,	,	PUNCT
ajfti-3807	45	15	which	which	PRON
ajfti-3807	45	16	are	be	AUX
ajfti-3807	45	17	primarily	primarily	ADV
ajfti-3807	45	18	obtained	obtain	VERB
ajfti-3807	45	19	through	through	ADP
ajfti-3807	45	20	traditional	traditional	ADJ
ajfti-3807	45	21	branches	branch	NOUN
ajfti-3807	45	22	.	.	PUNCT
ajfti-3807	46	1	the	the	DET
ajfti-3807	46	2	purpose	purpose	NOUN
ajfti-3807	46	3	of	of	ADP
ajfti-3807	46	4	this	this	DET
ajfti-3807	46	5	research	research	NOUN
ajfti-3807	46	6	is	be	AUX
ajfti-3807	46	7	to	to	PART
ajfti-3807	46	8	study	study	VERB
ajfti-3807	46	9	the	the	DET
ajfti-3807	46	10	key	key	ADJ
ajfti-3807	46	11	elements	element	NOUN
ajfti-3807	46	12	determining	determine	VERB
ajfti-3807	46	13	the	the	DET
ajfti-3807	46	14	uptake	uptake	NOUN
ajfti-3807	46	15	and	and	CCONJ
ajfti-3807	46	16	usage	usage	NOUN
ajfti-3807	46	17	of	of	ADP
ajfti-3807	46	18	internet	internet	NOUN
ajfti-3807	46	19	banking	banking	NOUN
ajfti-3807	46	20	services	service	NOUN
ajfti-3807	46	21	in	in	ADP
ajfti-3807	46	22	sudan	sudan	PROPN
ajfti-3807	46	23	among	among	ADP
ajfti-3807	46	24	electronic	electronic	ADJ
ajfti-3807	46	25	payment	payment	NOUN
ajfti-3807	46	26	systems	system	NOUN
ajfti-3807	46	27	.	.	PUNCT
ajfti-3807	47	1	specifically	specifically	ADV
ajfti-3807	47	2	,	,	PUNCT
ajfti-3807	47	3	the	the	DET
ajfti-3807	47	4	study	study	NOUN
ajfti-3807	47	5	aims	aim	VERB
ajfti-3807	47	6	to	to	PART
ajfti-3807	47	7	:	:	PUNCT
ajfti-3807	47	8	•	•	VERB
ajfti-3807	47	9	recognize	recognize	VERB
ajfti-3807	47	10	the	the	DET
ajfti-3807	47	11	stimulants	stimulant	NOUN
ajfti-3807	47	12	that	that	PRON
ajfti-3807	47	13	have	have	VERB
ajfti-3807	47	14	a	a	DET
ajfti-3807	47	15	chord	chord	NOUN
ajfti-3807	47	16	in	in	ADP
ajfti-3807	47	17	the	the	DET
ajfti-3807	47	18	customers	customer	NOUN
ajfti-3807	47	19	’	’	PART
ajfti-3807	47	20	aspiration	aspiration	NOUN
ajfti-3807	47	21	to	to	PART
ajfti-3807	47	22	embrace	embrace	VERB
ajfti-3807	47	23	internet	internet	NOUN
ajfti-3807	47	24	banking	banking	NOUN
ajfti-3807	47	25	in	in	ADP
ajfti-3807	47	26	sudan	sudan	PROPN
ajfti-3807	47	27	.	.	PUNCT
ajfti-3807	48	1	•	•	NUM
ajfti-3807	48	2	explore	explore	VERB
ajfti-3807	48	3	to	to	ADP
ajfti-3807	48	4	what	what	DET
ajfti-3807	48	5	extent	extent	NOUN
ajfti-3807	48	6	the	the	DET
ajfti-3807	48	7	attitudes	attitude	NOUN
ajfti-3807	48	8	of	of	ADP
ajfti-3807	48	9	the	the	DET
ajfti-3807	48	10	customers	customer	NOUN
ajfti-3807	48	11	towards	towards	ADP
ajfti-3807	48	12	online	online	ADJ
ajfti-3807	48	13	banking	banking	NOUN
ajfti-3807	48	14	are	be	AUX
ajfti-3807	48	15	shaped	shape	VERB
ajfti-3807	48	16	by	by	ADP
ajfti-3807	48	17	perceived	perceive	VERB
ajfti-3807	48	18	usefulness	usefulness	NOUN
ajfti-3807	48	19	,	,	PUNCT
ajfti-3807	48	20	usefulness	usefulness	NOUN
ajfti-3807	48	21	,	,	PUNCT
ajfti-3807	48	22	trust	trust	NOUN
ajfti-3807	48	23	,	,	PUNCT
ajfti-3807	48	24	and	and	CCONJ
ajfti-3807	48	25	culture	culture	NOUN
ajfti-3807	48	26	•	•	PROPN
ajfti-3807	48	27	al	al	PROPN
ajfti-3807	48	28	factors	factor	NOUN
ajfti-3807	48	29	.	.	PUNCT
ajfti-3807	49	1	•	•	NUM
ajfti-3807	49	2	analyze	analyze	VERB
ajfti-3807	49	3	those	those	DET
ajfti-3807	49	4	variables	variable	NOUN
ajfti-3807	49	5	and	and	CCONJ
ajfti-3807	49	6	see	see	VERB
ajfti-3807	49	7	if	if	SCONJ
ajfti-3807	49	8	the	the	DET
ajfti-3807	49	9	people	people	NOUN
ajfti-3807	49	10	are	be	AUX
ajfti-3807	49	11	consistently	consistently	ADV
ajfti-3807	49	12	using	use	VERB
ajfti-3807	49	13	the	the	DET
ajfti-3807	49	14	services	service	NOUN
ajfti-3807	49	15	internet	internet	NOUN
ajfti-3807	49	16	banking	banking	NOUN
ajfti-3807	49	17	is	be	AUX
ajfti-3807	49	18	providing	provide	VERB
ajfti-3807	49	19	.	.	PUNCT
ajfti-3807	50	1	literature	literature	NOUN
ajfti-3807	50	2	review	review	NOUN
ajfti-3807	50	3	adoption	adoption	NOUN
ajfti-3807	50	4	factors	factor	NOUN
ajfti-3807	50	5	and	and	CCONJ
ajfti-3807	50	6	tam	tam	X
ajfti-3807	50	7	in	in	ADP
ajfti-3807	50	8	developing	develop	VERB
ajfti-3807	50	9	countries	country	NOUN
ajfti-3807	50	10	the	the	DET
ajfti-3807	50	11	technology	technology	NOUN
ajfti-3807	50	12	acceptance	acceptance	NOUN
ajfti-3807	50	13	model	model	NOUN
ajfti-3807	50	14	(	(	PUNCT
ajfti-3807	50	15	tam	tam	PROPN
ajfti-3807	50	16	)	)	PUNCT
ajfti-3807	50	17	is	be	AUX
ajfti-3807	50	18	a	a	DET
ajfti-3807	50	19	widely	widely	ADV
ajfti-3807	50	20	applied	apply	VERB
ajfti-3807	50	21	theory	theory	NOUN
ajfti-3807	50	22	which	which	PRON
ajfti-3807	50	23	enables	enable	VERB
ajfti-3807	50	24	to	to	PART
ajfti-3807	50	25	understand	understand	VERB
ajfti-3807	50	26	how	how	SCONJ
ajfti-3807	50	27	and	and	CCONJ
ajfti-3807	50	28	why	why	SCONJ
ajfti-3807	50	29	individuals	individual	NOUN
ajfti-3807	50	30	willing	willing	ADJ
ajfti-3807	50	31	to	to	PART
ajfti-3807	50	32	embrace	embrace	VERB
ajfti-3807	50	33	a	a	DET
ajfti-3807	50	34	new	new	ADJ
ajfti-3807	50	35	technology	technology	NOUN
ajfti-3807	50	36	and	and	CCONJ
ajfti-3807	50	37	start	start	VERB
ajfti-3807	50	38	using	use	VERB
ajfti-3807	50	39	it	it	PRON
ajfti-3807	50	40	(	(	PUNCT
ajfti-3807	50	41	davis	davis	PROPN
ajfti-3807	50	42	,	,	PUNCT
ajfti-3807	50	43	1989	1989	NUM
ajfti-3807	50	44	)	)	PUNCT
ajfti-3807	50	45	.	.	PUNCT
ajfti-3807	51	1	it	it	PRON
ajfti-3807	51	2	has	have	AUX
ajfti-3807	51	3	been	be	AUX
ajfti-3807	51	4	widely	widely	ADV
ajfti-3807	51	5	useful	useful	ADJ
ajfti-3807	51	6	in	in	ADP
ajfti-3807	51	7	different	different	ADJ
ajfti-3807	51	8	circumstances	circumstance	NOUN
ajfti-3807	51	9	,	,	PUNCT
ajfti-3807	51	10	such	such	ADJ
ajfti-3807	51	11	as	as	ADP
ajfti-3807	51	12	silver	silver	NOUN
ajfti-3807	51	13	delivery	delivery	NOUN
ajfti-3807	51	14	system	system	NOUN
ajfti-3807	51	15	adoption	adoption	NOUN
ajfti-3807	51	16	on	on	ADP
ajfti-3807	51	17	the	the	DET
ajfti-3807	51	18	internet	internet	NOUN
ajfti-3807	51	19	(	(	PUNCT
ajfti-3807	51	20	marakarkandy	marakarkandy	PROPN
ajfti-3807	51	21	et	et	PROPN
ajfti-3807	51	22	al	al	PROPN
ajfti-3807	51	23	.	.	PROPN
ajfti-3807	51	24	,	,	PUNCT
ajfti-3807	51	25	2017	2017	NUM
ajfti-3807	51	26	)	)	PUNCT
ajfti-3807	51	27	.	.	PUNCT
ajfti-3807	52	1	on	on	ADP
ajfti-3807	52	2	the	the	DET
ajfti-3807	52	3	other	other	ADJ
ajfti-3807	52	4	hand	hand	NOUN
ajfti-3807	52	5	,	,	PUNCT
ajfti-3807	52	6	the	the	DET
ajfti-3807	52	7	applying	applying	NOUN
ajfti-3807	52	8	of	of	ADP
ajfti-3807	52	9	the	the	DET
ajfti-3807	52	10	set	set	ADJ
ajfti-3807	52	11	communicational	communicational	ADJ
ajfti-3807	52	12	model	model	NOUN
ajfti-3807	52	13	to	to	ADP
ajfti-3807	52	14	the	the	DET
ajfti-3807	52	15	developing	develop	VERB
ajfti-3807	52	16	countries	country	NOUN
ajfti-3807	52	17	,	,	PUNCT
ajfti-3807	52	18	such	such	ADJ
ajfti-3807	52	19	as	as	ADP
ajfti-3807	52	20	the	the	DET
ajfti-3807	52	21	sudan	sudan	PROPN
ajfti-3807	52	22	one	one	NUM
ajfti-3807	52	23	,	,	PUNCT
ajfti-3807	52	24	could	could	AUX
ajfti-3807	52	25	need	need	VERB
ajfti-3807	52	26	perceptively	perceptively	ADV
ajfti-3807	52	27	to	to	PART
ajfti-3807	52	28	take	take	VERB
ajfti-3807	52	29	into	into	ADP
ajfti-3807	52	30	consideration	consideration	NOUN
ajfti-3807	52	31	all	all	DET
ajfti-3807	52	32	the	the	DET
ajfti-3807	52	33	nuances	nuance	NOUN
ajfti-3807	52	34	that	that	PRON
ajfti-3807	52	35	is	be	AUX
ajfti-3807	52	36	given	give	VERB
ajfti-3807	52	37	their	their	PRON
ajfti-3807	52	38	special	special	ADJ
ajfti-3807	52	39	socio	socio	NOUN
ajfti-3807	52	40	-	-	PUNCT
ajfti-3807	52	41	economic	economic	ADJ
ajfti-3807	52	42	conditions	condition	NOUN
ajfti-3807	52	43	and	and	CCONJ
ajfti-3807	52	44	technology	technology	NOUN
ajfti-3807	52	45	landscape	landscape	NOUN
ajfti-3807	52	46	.	.	PUNCT
ajfti-3807	53	1	internet	internet	NOUN
ajfti-3807	53	2	banking	banking	NOUN
ajfti-3807	53	3	development	development	NOUN
ajfti-3807	53	4	in	in	ADP
ajfti-3807	53	5	less	less	ADJ
ajfti-3807	53	6	developed	develop	VERB
ajfti-3807	53	7	countries	country	NOUN
ajfti-3807	53	8	was	be	AUX
ajfti-3807	53	9	the	the	DET
ajfti-3807	53	10	theme	theme	NOUN
ajfti-3807	53	11	of	of	ADP
ajfti-3807	53	12	several	several	ADJ
ajfti-3807	53	13	studies	study	NOUN
ajfti-3807	53	14	that	that	PRON
ajfti-3807	53	15	addressed	address	VERB
ajfti-3807	53	16	the	the	DET
ajfti-3807	53	17	reliability	reliability	NOUN
ajfti-3807	53	18	of	of	ADP
ajfti-3807	53	19	the	the	DET
ajfti-3807	53	20	tam	tam	NOUN
ajfti-3807	53	21	features	feature	NOUN
ajfti-3807	53	22	of	of	ADP
ajfti-3807	53	23	relative	relative	ADJ
ajfti-3807	53	24	usefulness	usefulness	NOUN
ajfti-3807	53	25	and	and	CCONJ
ajfti-3807	53	26	operability	operability	NOUN
ajfti-3807	53	27	(	(	PUNCT
ajfti-3807	53	28	ly	ly	X
ajfti-3807	53	29	&	&	CCONJ
ajfti-3807	53	30	ly	ly	NOUN
ajfti-3807	53	31	,	,	PUNCT
ajfti-3807	53	32	2022	2022	NUM
ajfti-3807	53	33	)	)	PUNCT
ajfti-3807	53	34	.	.	PUNCT
ajfti-3807	54	1	sudan	sudan	PROPN
ajfti-3807	54	2	could	could	AUX
ajfti-3807	54	3	be	be	AUX
ajfti-3807	54	4	a	a	DET
ajfti-3807	54	5	powerful	powerful	ADJ
ajfti-3807	54	6	example	example	NOUN
ajfti-3807	54	7	of	of	ADP
ajfti-3807	54	8	how	how	SCONJ
ajfti-3807	54	9	internet	internet	NOUN
ajfti-3807	54	10	banking	banking	NOUN
ajfti-3807	54	11	can	can	AUX
ajfti-3807	54	12	bring	bring	VERB
ajfti-3807	54	13	financial	financial	ADJ
ajfti-3807	54	14	inclusion	inclusion	NOUN
ajfti-3807	54	15	and	and	CCONJ
ajfti-3807	54	16	satisfy	satisfy	VERB
ajfti-3807	54	17	the	the	DET
ajfti-3807	54	18	banking	banking	NOUN
ajfti-3807	54	19	needs	need	NOUN
ajfti-3807	54	20	of	of	ADP
ajfti-3807	54	21	the	the	DET
ajfti-3807	54	22	population	population	NOUN
ajfti-3807	54	23	in	in	ADP
ajfti-3807	54	24	places	place	NOUN
ajfti-3807	54	25	where	where	SCONJ
ajfti-3807	54	26	traditional	traditional	ADJ
ajfti-3807	54	27	banking	banking	NOUN
ajfti-3807	54	28	facilities	facility	NOUN
ajfti-3807	54	29	are	be	AUX
ajfti-3807	54	30	very	very	ADV
ajfti-3807	54	31	limited	limited	ADJ
ajfti-3807	54	32	(	(	PUNCT
ajfti-3807	54	33	omer	omer	PROPN
ajfti-3807	54	34	&	&	CCONJ
ajfti-3807	54	35	adam	adam	PROPN
ajfti-3807	54	36	,	,	PUNCT
ajfti-3807	54	37	2020	2020	NUM
ajfti-3807	54	38	)	)	PUNCT
ajfti-3807	54	39	.	.	PUNCT
ajfti-3807	55	1	field	field	NOUN
ajfti-3807	55	2	studies	study	NOUN
ajfti-3807	55	3	carried	carry	VERB
ajfti-3807	55	4	out	out	ADP
ajfti-3807	55	5	in	in	ADP
ajfti-3807	55	6	different	different	ADJ
ajfti-3807	55	7	socio	socio	NOUN
ajfti-3807	55	8	-	-	PUNCT
ajfti-3807	55	9	economic	economic	ADJ
ajfti-3807	55	10	settings	setting	NOUN
ajfti-3807	55	11	have	have	AUX
ajfti-3807	55	12	shown	show	VERB
ajfti-3807	55	13	that	that	SCONJ
ajfti-3807	55	14	the	the	DET
ajfti-3807	55	15	perception	perception	NOUN
ajfti-3807	55	16	of	of	ADP
ajfti-3807	55	17	usefulness	usefulness	NOUN
ajfti-3807	55	18	plays	play	VERB
ajfti-3807	55	19	an	an	DET
ajfti-3807	55	20	important	important	ADJ
ajfti-3807	55	21	role	role	NOUN
ajfti-3807	55	22	in	in	ADP
ajfti-3807	55	23	the	the	DET
ajfti-3807	55	24	use	use	NOUN
ajfti-3807	55	25	of	of	ADP
ajfti-3807	55	26	e	e	NOUN
ajfti-3807	55	27	-	-	NOUN
ajfti-3807	55	28	banking	banking	NOUN
ajfti-3807	55	29	(	(	PUNCT
ajfti-3807	55	30	ahmad	ahmad	PROPN
ajfti-3807	55	31	et	et	PROPN
ajfti-3807	55	32	al	al	PROPN
ajfti-3807	55	33	.	.	PROPN
ajfti-3807	55	34	,	,	PUNCT
ajfti-3807	55	35	2020	2020	NUM
ajfti-3807	55	36	)	)	PUNCT
ajfti-3807	55	37	.	.	PUNCT
ajfti-3807	56	1	customers	customer	NOUN
ajfti-3807	56	2	from	from	ADP
ajfti-3807	56	3	developing	develop	VERB
ajfti-3807	56	4	countries	country	NOUN
ajfti-3807	56	5	perceive	perceive	VERB
ajfti-3807	56	6	online	online	ADJ
ajfti-3807	56	7	banking	banking	NOUN
ajfti-3807	56	8	as	as	ADP
ajfti-3807	56	9	a	a	DET
ajfti-3807	56	10	good	good	ADJ
ajfti-3807	56	11	choice	choice	NOUN
ajfti-3807	56	12	for	for	ADP
ajfti-3807	56	13	them	they	PRON
ajfti-3807	56	14	;	;	PUNCT
ajfti-3807	56	15	it	it	PRON
ajfti-3807	56	16	provides	provide	VERB
ajfti-3807	56	17	a	a	DET
ajfti-3807	56	18	convenient	convenient	ADJ
ajfti-3807	56	19	and	and	CCONJ
ajfti-3807	56	20	given	give	VERB
ajfti-3807	56	21	model	model	NOUN
ajfti-3807	56	22	for	for	ADP
ajfti-3807	56	23	conducting	conduct	VERB
ajfti-3807	56	24	financial	financial	ADJ
ajfti-3807	56	25	activities	activity	NOUN
ajfti-3807	56	26	or	or	CCONJ
ajfti-3807	56	27	using	use	VERB
ajfti-3807	56	28	financial	financial	ADJ
ajfti-3807	56	29	services	service	NOUN
ajfti-3807	56	30	if	if	SCONJ
ajfti-3807	56	31	the	the	DET
ajfti-3807	56	32	physical	physical	PROPN
ajfti-3807	56	33	bank	bank	NOUN
ajfti-3807	56	34	branches	branch	NOUN
ajfti-3807	56	35	are	be	AUX
ajfti-3807	56	36	not	not	PART
ajfti-3807	56	37	accessible	accessible	ADJ
ajfti-3807	56	38	to	to	ADP
ajfti-3807	56	39	them	they	PRON
ajfti-3807	56	40	(	(	PUNCT
ajfti-3807	56	41	al	al	PROPN
ajfti-3807	56	42	-	-	PUNCT
ajfti-3807	56	43	harbi	harbi	PROPN
ajfti-3807	56	44	,	,	PUNCT
ajfti-3807	56	45	2020	2020	NUM
ajfti-3807	56	46	)	)	PUNCT
ajfti-3807	56	47	.	.	PUNCT
ajfti-3807	57	1	in	in	ADP
ajfti-3807	57	2	addition	addition	NOUN
ajfti-3807	57	3	to	to	ADP
ajfti-3807	57	4	being	be	AUX
ajfti-3807	57	5	convenient	convenient	ADJ
ajfti-3807	57	6	,	,	PUNCT
ajfti-3807	57	7	because	because	SCONJ
ajfti-3807	57	8	of	of	ADP
ajfti-3807	57	9	24/7	24/7	PROPN
ajfti-3807	57	10	availability	availability	NOUN
ajfti-3807	57	11	,	,	PUNCT
ajfti-3807	57	12	timesaving	timesaving	NOUN
ajfti-3807	57	13	and	and	CCONJ
ajfti-3807	57	14	the	the	DET
ajfti-3807	57	15	ability	ability	NOUN
ajfti-3807	57	16	to	to	PART
ajfti-3807	57	17	perform	perform	VERB
ajfti-3807	57	18	banking	banking	NOUN
ajfti-3807	57	19	operations	operation	NOUN
ajfti-3807	57	20	anywhere	anywhere	ADV
ajfti-3807	57	21	,	,	PUNCT
ajfti-3807	57	22	these	these	DET
ajfti-3807	57	23	services	service	NOUN
ajfti-3807	57	24	are	be	AUX
ajfti-3807	57	25	attributed	attribute	VERB
ajfti-3807	57	26	to	to	ADP
ajfti-3807	57	27	the	the	DET
ajfti-3807	57	28	use	use	NOUN
ajfti-3807	57	29	of	of	ADP
ajfti-3807	57	30	online	online	ADJ
ajfti-3807	57	31	banking	banking	NOUN
ajfti-3807	57	32	(	(	PUNCT
ajfti-3807	57	33	kordit	kordit	NOUN
ajfti-3807	57	34	,	,	PUNCT
ajfti-3807	57	35	2022	2022	NUM
ajfti-3807	57	36	)	)	PUNCT
ajfti-3807	57	37	.	.	PUNCT
ajfti-3807	58	1	the	the	DET
ajfti-3807	58	2	other	other	ADJ
ajfti-3807	58	3	factor	factor	NOUN
ajfti-3807	58	4	which	which	PRON
ajfti-3807	58	5	is	be	AUX
ajfti-3807	58	6	also	also	ADV
ajfti-3807	58	7	significant	significant	ADJ
ajfti-3807	58	8	is	be	AUX
ajfti-3807	58	9	the	the	DET
ajfti-3807	58	10	comfort	comfort	NOUN
ajfti-3807	58	11	level	level	NOUN
ajfti-3807	58	12	in	in	ADP
ajfti-3807	58	13	usage	usage	NOUN
ajfti-3807	58	14	that	that	PRON
ajfti-3807	58	15	depends	depend	VERB
ajfti-3807	58	16	on	on	ADP
ajfti-3807	58	17	the	the	DET
ajfti-3807	58	18	perceived	perceive	VERB
ajfti-3807	58	19	difficulty	difficulty	NOUN
ajfti-3807	58	20	for	for	ADP
ajfti-3807	58	21	these	these	DET
ajfti-3807	58	22	users	user	NOUN
ajfti-3807	58	23	.	.	PUNCT
ajfti-3807	59	1	studies	study	NOUN
ajfti-3807	59	2	have	have	AUX
ajfti-3807	59	3	pointed	point	VERB
ajfti-3807	59	4	out	out	ADP
ajfti-3807	59	5	that	that	SCONJ
ajfti-3807	59	6	relatability	relatability	NOUN
ajfti-3807	59	7	comes	come	VERB
ajfti-3807	59	8	first	first	ADV
ajfti-3807	59	9	in	in	ADP
ajfti-3807	59	10	the	the	DET
ajfti-3807	59	11	features	feature	NOUN
ajfti-3807	59	12	category	category	NOUN
ajfti-3807	59	13	thus	thus	ADV
ajfti-3807	59	14	with	with	ADP
ajfti-3807	59	15	a	a	DET
ajfti-3807	59	16	user	user	NOUN
ajfti-3807	59	17	-	-	PUNCT
ajfti-3807	59	18	friendly	friendly	ADJ
ajfti-3807	59	19	interface	interface	NOUN
ajfti-3807	59	20	and	and	CCONJ
ajfti-3807	59	21	simple	simple	ADJ
ajfti-3807	59	22	navigation	navigation	NOUN
ajfti-3807	59	23	,	,	PUNCT
ajfti-3807	59	24	customers	customer	NOUN
ajfti-3807	59	25	get	get	VERB
ajfti-3807	59	26	value	value	NOUN
ajfti-3807	59	27	(	(	PUNCT
ajfti-3807	59	28	chaimaa	chaimaa	NOUN
ajfti-3807	59	29	et	et	PROPN
ajfti-3807	59	30	al	al	PROPN
ajfti-3807	59	31	.	.	PROPN
ajfti-3807	59	32	,	,	PUNCT
ajfti-3807	59	33	2021	2021	NUM
ajfti-3807	59	34	)	)	PUNCT
ajfti-3807	59	35	.	.	PUNCT
ajfti-3807	60	1	internet	internet	NOUN
ajfti-3807	60	2	banking	banking	NOUN
ajfti-3807	60	3	is	be	AUX
ajfti-3807	60	4	likely	likely	ADJ
ajfti-3807	60	5	to	to	PART
ajfti-3807	60	6	be	be	AUX
ajfti-3807	60	7	utilized	utilize	VERB
ajfti-3807	60	8	by	by	ADP
ajfti-3807	60	9	individuals	individual	NOUN
ajfti-3807	60	10	who	who	PRON
ajfti-3807	60	11	are	be	AUX
ajfti-3807	60	12	motivated	motivated	ADJ
ajfti-3807	60	13	,	,	PUNCT
ajfti-3807	60	14	familiar	familiar	ADJ
ajfti-3807	60	15	with	with	ADP
ajfti-3807	60	16	the	the	DET
ajfti-3807	60	17	process	process	NOUN
ajfti-3807	60	18	,	,	PUNCT
ajfti-3807	60	19	and	and	CCONJ
ajfti-3807	60	20	have	have	VERB
ajfti-3807	60	21	low	low	ADJ
ajfti-3807	60	22	digital	digital	ADJ
ajfti-3807	60	23	literacy	literacy	NOUN
ajfti-3807	60	24	levels	level	NOUN
ajfti-3807	60	25	(	(	PUNCT
ajfti-3807	60	26	sudirjo	sudirjo	PROPN
ajfti-3807	60	27	et	et	PROPN
ajfti-3807	60	28	al	al	PROPN
ajfti-3807	60	29	.	.	PROPN
ajfti-3807	60	30	,	,	PUNCT
ajfti-3807	60	31	2024	2024	NUM
ajfti-3807	60	32	)	)	PUNCT
ajfti-3807	60	33	.	.	PUNCT
ajfti-3807	61	1	on	on	ADP
ajfti-3807	61	2	the	the	DET
ajfti-3807	61	3	other	other	ADJ
ajfti-3807	61	4	hand	hand	NOUN
ajfti-3807	61	5	,	,	PUNCT
ajfti-3807	61	6	even	even	ADV
ajfti-3807	61	7	though	though	SCONJ
ajfti-3807	61	8	it	it	PRON
ajfti-3807	61	9	is	be	AUX
ajfti-3807	61	10	worthwhile	worthwhile	ADJ
ajfti-3807	61	11	to	to	PART
ajfti-3807	61	12	say	say	VERB
ajfti-3807	61	13	that	that	SCONJ
ajfti-3807	61	14	the	the	DET
ajfti-3807	61	15	tam	tam	NOUN
ajfti-3807	61	16	framework	framework	NOUN
ajfti-3807	61	17	undoubtedly	undoubtedly	ADV
ajfti-3807	61	18	might	might	AUX
ajfti-3807	61	19	require	require	VERB
ajfti-3807	61	20	the	the	DET
ajfti-3807	61	21	adaptation	adaptation	NOUN
ajfti-3807	61	22	to	to	ADP
ajfti-3807	61	23	the	the	DET
ajfti-3807	61	24	huge	huge	ADJ
ajfti-3807	61	25	cultural	cultural	ADJ
ajfti-3807	61	26	and	and	CCONJ
ajfti-3807	61	27	contextual	contextual	ADJ
ajfti-3807	61	28	factors	factor	NOUN
ajfti-3807	61	29	that	that	PRON
ajfti-3807	61	30	have	have	AUX
ajfti-3807	61	31	emerged	emerge	VERB
ajfti-3807	61	32	in	in	ADP
ajfti-3807	61	33	sudan	sudan	PROPN
ajfti-3807	61	34	.	.	PUNCT
ajfti-3807	62	1	such	such	ADJ
ajfti-3807	62	2	as	as	ADP
ajfti-3807	62	3	the	the	DET
ajfti-3807	62	4	described	describe	VERB
ajfti-3807	62	5	case	case	NOUN
ajfti-3807	62	6	of	of	ADP
ajfti-3807	62	7	trust	trust	NOUN
ajfti-3807	62	8	and	and	CCONJ
ajfti-3807	62	9	safety	safety	NOUN
ajfti-3807	62	10	with	with	ADP
ajfti-3807	62	11	internet	internet	NOUN
ajfti-3807	62	12	banking	banking	NOUN
ajfti-3807	62	13	,	,	PUNCT
ajfti-3807	62	14	lack	lack	NOUN
ajfti-3807	62	15	of	of	ADP
ajfti-3807	62	16	confidence	confidence	NOUN
ajfti-3807	62	17	in	in	ADP
ajfti-3807	62	18	security	security	NOUN
ajfti-3807	62	19	is	be	AUX
ajfti-3807	62	20	a	a	DET
ajfti-3807	62	21	big	big	ADJ
ajfti-3807	62	22	hindrance	hindrance	NOUN
ajfti-3807	62	23	for	for	ADP
ajfti-3807	62	24	internet	internet	NOUN
ajfti-3807	62	25	banking	banking	NOUN
ajfti-3807	62	26	adoption	adoption	NOUN
ajfti-3807	62	27	in	in	ADP
ajfti-3807	62	28	the	the	DET
ajfti-3807	62	29	developing	develop	VERB
ajfti-3807	62	30	countries	country	NOUN
ajfti-3807	62	31	(	(	PUNCT
ajfti-3807	62	32	aldammagh	aldammagh	PROPN
ajfti-3807	62	33	et	et	PROPN
ajfti-3807	62	34	al	al	PROPN
ajfti-3807	62	35	.	.	PROPN
ajfti-3807	62	36	,	,	PUNCT
ajfti-3807	62	37	2021	2021	NUM
ajfti-3807	62	38	)	)	PUNCT
ajfti-3807	62	39	.	.	PUNCT
ajfti-3807	63	1	customers	customer	NOUN
ajfti-3807	63	2	may	may	AUX
ajfti-3807	63	3	not	not	PART
ajfti-3807	63	4	have	have	VERB
ajfti-3807	63	5	any	any	DET
ajfti-3807	63	6	strong	strong	ADJ
ajfti-3807	63	7	confidence	confidence	NOUN
ajfti-3807	63	8	in	in	ADP
ajfti-3807	63	9	online	online	ADJ
ajfti-3807	63	10	purchases	purchase	NOUN
ajfti-3807	63	11	and	and	CCONJ
ajfti-3807	63	12	all	all	DET
ajfti-3807	63	13	that	that	PRON
ajfti-3807	63	14	because	because	SCONJ
ajfti-3807	63	15	they	they	PRON
ajfti-3807	63	16	believe	believe	VERB
ajfti-3807	63	17	their	their	PRON
ajfti-3807	63	18	sensitive	sensitive	ADJ
ajfti-3807	63	19	data	datum	NOUN
ajfti-3807	63	20	and	and	CCONJ
ajfti-3807	63	21	information	information	NOUN
ajfti-3807	63	22	is	be	AUX
ajfti-3807	63	23	not	not	PART
ajfti-3807	63	24	protected	protect	VERB
ajfti-3807	63	25	enough	enough	ADV
ajfti-3807	63	26	(	(	PUNCT
ajfti-3807	63	27	usman	usman	PROPN
ajfti-3807	63	28	et	et	PROPN
ajfti-3807	63	29	al	al	PROPN
ajfti-3807	63	30	.	.	PROPN
ajfti-3807	63	31	,	,	PUNCT
ajfti-3807	63	32	2020	2020	NUM
ajfti-3807	63	33	)	)	PUNCT
ajfti-3807	63	34	.	.	PUNCT
ajfti-3807	64	1	confidence	confidence	NOUN
ajfti-3807	64	2	can	can	AUX
ajfti-3807	64	3	be	be	AUX
ajfti-3807	64	4	created	create	VERB
ajfti-3807	64	5	through	through	ADP
ajfti-3807	64	6	robust	robust	ADJ
ajfti-3807	64	7	security	security	NOUN
ajfti-3807	64	8	aspects	aspect	NOUN
ajfti-3807	64	9	,	,	PUNCT
ajfti-3807	64	10	the	the	DET
ajfti-3807	64	11	use	use	NOUN
ajfti-3807	64	12	of	of	ADP
ajfti-3807	64	13	open	open	ADJ
ajfti-3807	64	14	communication	communication	NOUN
ajfti-3807	64	15	channels	channel	NOUN
ajfti-3807	64	16	,	,	PUNCT
ajfti-3807	64	17	and	and	CCONJ
ajfti-3807	64	18	client	client	NOUN
ajfti-3807	64	19	education	education	NOUN
ajfti-3807	64	20	which	which	PRON
ajfti-3807	64	21	aims	aim	VERB
ajfti-3807	64	22	to	to	PART
ajfti-3807	64	23	tackle	tackle	VERB
ajfti-3807	64	24	these	these	DET
ajfti-3807	64	25	worries	worry	NOUN
ajfti-3807	64	26	.	.	PUNCT
ajfti-3807	65	1	also	also	ADV
ajfti-3807	65	2	,	,	PUNCT
ajfti-3807	65	3	the	the	DET
ajfti-3807	65	4	infrastructure	infrastructure	NOUN
ajfti-3807	65	5	inadequacies	inadequacy	NOUN
ajfti-3807	65	6	,	,	PUNCT
ajfti-3807	65	7	which	which	PRON
ajfti-3807	65	8	include	include	VERB
ajfti-3807	65	9	unstable	unstable	ADJ
ajfti-3807	65	10	internet	internet	NOUN
ajfti-3807	65	11	connections	connection	NOUN
ajfti-3807	65	12	and	and	CCONJ
ajfti-3807	65	13	pocket	pocket	NOUN
ajfti-3807	65	14	-	-	PUNCT
ajfti-3807	65	15	like	like	ADP
ajfti-3807	65	16	-	-	PUNCT
ajfti-3807	65	17	devicesavailability	devicesavailability	NOUN
ajfti-3807	65	18	,	,	PUNCT
ajfti-3807	65	19	can	can	AUX
ajfti-3807	65	20	be	be	AUX
ajfti-3807	65	21	the	the	DET
ajfti-3807	65	22	impediments	impediment	NOUN
ajfti-3807	65	23	for	for	ADP
ajfti-3807	65	24	the	the	DET
ajfti-3807	65	25	spread	spread	NOUN
ajfti-3807	65	26	of	of	ADP
ajfti-3807	65	27	internet	internet	NOUN
ajfti-3807	65	28	banking	banking	NOUN
ajfti-3807	65	29	in	in	ADP
ajfti-3807	65	30	the	the	DET
ajfti-3807	65	31	developing	develop	VERB
ajfti-3807	65	32	world	world	NOUN
ajfti-3807	65	33	(	(	PUNCT
ajfti-3807	65	34	rajasulochana	rajasulochana	PROPN
ajfti-3807	65	35	,	,	PUNCT
ajfti-3807	65	36	2022	2022	NUM
ajfti-3807	65	37	)	)	PUNCT
ajfti-3807	65	38	.	.	PUNCT
ajfti-3807	66	1	in	in	ADP
ajfti-3807	66	2	this	this	DET
ajfti-3807	66	3	process	process	NOUN
ajfti-3807	66	4	,	,	PUNCT
ajfti-3807	66	5	these	these	DET
ajfti-3807	66	6	factors	factor	NOUN
ajfti-3807	66	7	must	must	AUX
ajfti-3807	66	8	have	have	VERB
ajfti-3807	66	9	to	to	PART
ajfti-3807	66	10	be	be	AUX
ajfti-3807	66	11	taken	take	VERB
ajfti-3807	66	12	in	in	ADP
ajfti-3807	66	13	account	account	NOUN
ajfti-3807	66	14	when	when	SCONJ
ajfti-3807	66	15	the	the	DET
ajfti-3807	66	16	applicability	applicability	NOUN
ajfti-3807	66	17	of	of	ADP
ajfti-3807	66	18	tam	tam	NOUN
ajfti-3807	66	19	framework	framework	NOUN
ajfti-3807	66	20	is	be	AUX
ajfti-3807	66	21	being	be	AUX
ajfti-3807	66	22	considered	consider	VERB
ajfti-3807	66	23	for	for	ADP
ajfti-3807	66	24	sudan	sudan	PROPN
ajfti-3807	66	25	and	and	CCONJ
ajfti-3807	66	26	neighboring	neighboring	NOUN
ajfti-3807	66	27	countries	country	NOUN
ajfti-3807	66	28	.	.	PUNCT
ajfti-3807	67	1	challenges	challenge	NOUN
ajfti-3807	67	2	and	and	CCONJ
ajfti-3807	67	3	opportunities	opportunity	NOUN
ajfti-3807	67	4	of	of	ADP
ajfti-3807	67	5	internet	internet	NOUN
ajfti-3807	67	6	banking	banking	NOUN
ajfti-3807	67	7	in	in	ADP
ajfti-3807	67	8	sudan	sudan	PROPN
ajfti-3807	67	9	internet	internet	PROPN
ajfti-3807	67	10	banking	banking	NOUN
ajfti-3807	67	11	in	in	ADP
ajfti-3807	67	12	sudan	sudan	PROPN
ajfti-3807	67	13	comes	come	VERB
ajfti-3807	67	14	both	both	PRON
ajfti-3807	67	15	with	with	ADP
ajfti-3807	67	16	good	good	ADJ
ajfti-3807	67	17	and	and	CCONJ
ajfti-3807	67	18	bad	bad	ADJ
ajfti-3807	67	19	sides	side	NOUN
ajfti-3807	67	20	which	which	PRON
ajfti-3807	67	21	might	might	AUX
ajfti-3807	67	22	result	result	VERB
ajfti-3807	67	23	from	from	ADP
ajfti-3807	67	24	the	the	DET
ajfti-3807	67	25	mobile	mobile	ADJ
ajfti-3807	67	26	network	network	NOUN
ajfti-3807	67	27	and	and	CCONJ
ajfti-3807	67	28	other	other	ADJ
ajfti-3807	67	29	things	thing	NOUN
ajfti-3807	67	30	like	like	ADP
ajfti-3807	67	31	the	the	DET
ajfti-3807	67	32	legal	legal	ADJ
ajfti-3807	67	33	environment	environment	NOUN
ajfti-3807	67	34	,	,	PUNCT
ajfti-3807	67	35	the	the	DET
ajfti-3807	67	36	culture	culture	NOUN
ajfti-3807	67	37	,	,	PUNCT
ajfti-3807	67	38	and	and	CCONJ
ajfti-3807	67	39	the	the	DET
ajfti-3807	67	40	attitude	attitude	NOUN
ajfti-3807	67	41	to	to	ADP
ajfti-3807	67	42	the	the	DET
ajfti-3807	67	43	technical	technical	ADJ
ajfti-3807	67	44	things	thing	NOUN
ajfti-3807	67	45	(	(	PUNCT
ajfti-3807	67	46	hussein	hussein	PROPN
ajfti-3807	67	47	et	et	PROPN
ajfti-3807	67	48	al	al	PROPN
ajfti-3807	67	49	.	.	PROPN
ajfti-3807	67	50	,	,	PUNCT
ajfti-3807	67	51	2020	2020	NUM
ajfti-3807	67	52	)	)	PUNCT
ajfti-3807	67	53	.	.	PUNCT
ajfti-3807	68	1	knowing	know	VERB
ajfti-3807	68	2	these	these	DET
ajfti-3807	68	3	factors	factor	NOUN
ajfti-3807	68	4	is	be	AUX
ajfti-3807	68	5	the	the	DET
ajfti-3807	68	6	key	key	NOUN
ajfti-3807	68	7	to	to	ADP
ajfti-3807	68	8	developing	develop	VERB
ajfti-3807	68	9	an	an	DET
ajfti-3807	68	10	important	important	ADJ
ajfti-3807	68	11	strategy	strategy	NOUN
ajfti-3807	68	12	and	and	CCONJ
ajfti-3807	68	13	thus	thus	ADV
ajfti-3807	68	14	being	be	AUX
ajfti-3807	68	15	able	able	ADJ
ajfti-3807	68	16	to	to	PART
ajfti-3807	68	17	get	get	AUX
ajfti-3807	68	18	rid	rid	VERB
ajfti-3807	68	19	of	of	ADP
ajfti-3807	68	20	the	the	DET
ajfti-3807	68	21	objections	objection	NOUN
ajfti-3807	68	22	and	and	CCONJ
ajfti-3807	68	23	have	have	VERB
ajfti-3807	68	24	widespread	widespread	ADJ
ajfti-3807	68	25	using	using	NOUN
ajfti-3807	68	26	of	of	ADP
ajfti-3807	68	27	internet	internet	NOUN
ajfti-3807	68	28	banking	banking	NOUN
ajfti-3807	68	29	services	service	NOUN
ajfti-3807	68	30	in	in	ADP
ajfti-3807	68	31	the	the	DET
ajfti-3807	68	32	country	country	NOUN
ajfti-3807	68	33	.	.	PUNCT
ajfti-3807	69	1	pa	pa	PROPN
ajfti-3807	69	2	ge	ge	PROPN
ajfti-3807	69	3	25	25	NUM
ajfti-3807	69	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3807	69	5	am	be	AUX
ajfti-3807	69	6	.	.	PUNCT
ajfti-3807	70	1	j.	j.	PROPN
ajfti-3807	70	2	financ	financ	PROPN
ajfti-3807	70	3	.	.	PUNCT
ajfti-3807	71	1	technol	technol	PROPN
ajfti-3807	71	2	.	.	PUNCT
ajfti-3807	71	3	innov	innov	PROPN
ajfti-3807	71	4	.	.	PUNCT
ajfti-3807	72	1	3(1	3(1	NUM
ajfti-3807	72	2	)	)	PUNCT
ajfti-3807	72	3	23	23	NUM
ajfti-3807	72	4	-	-	SYM
ajfti-3807	72	5	31	31	NUM
ajfti-3807	72	6	,	,	PUNCT
ajfti-3807	72	7	2025	2025	NUM
ajfti-3807	72	8	sudan	sudan	PROPN
ajfti-3807	72	9	’s	’s	PART
ajfti-3807	72	10	internet	internet	NOUN
ajfti-3807	72	11	service	service	NOUN
ajfti-3807	72	12	capacity	capacity	NOUN
ajfti-3807	72	13	is	be	AUX
ajfti-3807	72	14	inadequate	inadequate	ADJ
ajfti-3807	72	15	,	,	PUNCT
ajfti-3807	72	16	necessitating	necessitate	VERB
ajfti-3807	72	17	the	the	DET
ajfti-3807	72	18	provision	provision	NOUN
ajfti-3807	72	19	of	of	ADP
ajfti-3807	72	20	high	high	ADJ
ajfti-3807	72	21	-	-	PUNCT
ajfti-3807	72	22	speed	speed	NOUN
ajfti-3807	72	23	broadband	broadband	NOUN
ajfti-3807	72	24	and	and	CCONJ
ajfti-3807	72	25	continuous	continuous	ADJ
ajfti-3807	72	26	flow	flow	NOUN
ajfti-3807	72	27	services	service	NOUN
ajfti-3807	72	28	for	for	ADP
ajfti-3807	72	29	widespread	widespread	ADJ
ajfti-3807	72	30	internet	internet	NOUN
ajfti-3807	72	31	banking	banking	NOUN
ajfti-3807	72	32	use	use	NOUN
ajfti-3807	72	33	(	(	PUNCT
ajfti-3807	72	34	ahmed	ahmed	PROPN
ajfti-3807	72	35	et	et	PROPN
ajfti-3807	72	36	al	al	PROPN
ajfti-3807	72	37	.	.	PROPN
ajfti-3807	72	38	,	,	PUNCT
ajfti-3807	72	39	2014	2014	NUM
ajfti-3807	72	40	)	)	PUNCT
ajfti-3807	72	41	.	.	PUNCT
ajfti-3807	73	1	sudan	sudan	PROPN
ajfti-3807	73	2	faces	face	VERB
ajfti-3807	73	3	structural	structural	ADJ
ajfti-3807	73	4	challenges	challenge	NOUN
ajfti-3807	73	5	such	such	ADJ
ajfti-3807	73	6	as	as	ADP
ajfti-3807	73	7	inadequate	inadequate	ADJ
ajfti-3807	73	8	internet	internet	NOUN
ajfti-3807	73	9	networks	network	NOUN
ajfti-3807	73	10	and	and	CCONJ
ajfti-3807	73	11	a	a	DET
ajfti-3807	73	12	lack	lack	NOUN
ajfti-3807	73	13	of	of	ADP
ajfti-3807	73	14	electronic	electronic	ADJ
ajfti-3807	73	15	devices	device	NOUN
ajfti-3807	73	16	in	in	ADP
ajfti-3807	73	17	certain	certain	ADJ
ajfti-3807	73	18	areas	area	NOUN
ajfti-3807	73	19	(	(	PUNCT
ajfti-3807	73	20	eltahir	eltahir	NOUN
ajfti-3807	73	21	,	,	PUNCT
ajfti-3807	73	22	2019	2019	NUM
ajfti-3807	73	23	)	)	PUNCT
ajfti-3807	73	24	.	.	PUNCT
ajfti-3807	74	1	the	the	DET
ajfti-3807	74	2	improvement	improvement	NOUN
ajfti-3807	74	3	of	of	ADP
ajfti-3807	74	4	internet	internet	NOUN
ajfti-3807	74	5	infrastructure	infrastructure	NOUN
ajfti-3807	74	6	is	be	AUX
ajfti-3807	74	7	crucial	crucial	ADJ
ajfti-3807	74	8	for	for	ADP
ajfti-3807	74	9	expanding	expand	VERB
ajfti-3807	74	10	network	network	NOUN
ajfti-3807	74	11	coverage	coverage	NOUN
ajfti-3807	74	12	and	and	CCONJ
ajfti-3807	74	13	increasing	increase	VERB
ajfti-3807	74	14	internet	internet	NOUN
ajfti-3807	74	15	speed	speed	NOUN
ajfti-3807	74	16	,	,	PUNCT
ajfti-3807	74	17	enabling	enable	VERB
ajfti-3807	74	18	seamless	seamless	ADJ
ajfti-3807	74	19	and	and	CCONJ
ajfti-3807	74	20	convenient	convenient	ADJ
ajfti-3807	74	21	access	access	NOUN
ajfti-3807	74	22	to	to	ADP
ajfti-3807	74	23	internet	internet	NOUN
ajfti-3807	74	24	banking	banking	NOUN
ajfti-3807	74	25	services	service	NOUN
ajfti-3807	74	26	across	across	ADP
ajfti-3807	74	27	the	the	DET
ajfti-3807	74	28	country	country	NOUN
ajfti-3807	74	29	(	(	PUNCT
ajfti-3807	74	30	sahut	sahut	NOUN
ajfti-3807	74	31	,	,	PUNCT
ajfti-3807	74	32	2021	2021	NUM
ajfti-3807	74	33	)	)	PUNCT
ajfti-3807	74	34	.	.	PUNCT
ajfti-3807	75	1	another	another	DET
ajfti-3807	75	2	key	key	ADJ
ajfti-3807	75	3	aspect	aspect	NOUN
ajfti-3807	75	4	is	be	AUX
ajfti-3807	75	5	also	also	ADV
ajfti-3807	75	6	the	the	DET
ajfti-3807	75	7	environment	environment	NOUN
ajfti-3807	75	8	of	of	ADP
ajfti-3807	75	9	regulation	regulation	NOUN
ajfti-3807	75	10	which	which	PRON
ajfti-3807	75	11	is	be	AUX
ajfti-3807	75	12	also	also	ADV
ajfti-3807	75	13	in	in	ADP
ajfti-3807	75	14	the	the	DET
ajfti-3807	75	15	list	list	NOUN
ajfti-3807	75	16	of	of	ADP
ajfti-3807	75	17	the	the	DET
ajfti-3807	75	18	factors	factor	NOUN
ajfti-3807	75	19	that	that	PRON
ajfti-3807	75	20	affect	affect	VERB
ajfti-3807	75	21	online	online	ADJ
ajfti-3807	75	22	banking	banking	NOUN
ajfti-3807	75	23	adoption	adoption	NOUN
ajfti-3807	75	24	(	(	PUNCT
ajfti-3807	75	25	sekhar	sekhar	PROPN
ajfti-3807	75	26	,	,	PUNCT
ajfti-3807	75	27	2020	2020	NUM
ajfti-3807	75	28	)	)	PUNCT
ajfti-3807	75	29	.	.	PUNCT
ajfti-3807	76	1	sudan	sudan	PROPN
ajfti-3807	76	2	’s	’s	PART
ajfti-3807	76	3	regulatory	regulatory	ADJ
ajfti-3807	76	4	system	system	NOUN
ajfti-3807	76	5	must	must	AUX
ajfti-3807	76	6	provide	provide	VERB
ajfti-3807	76	7	a	a	DET
ajfti-3807	76	8	favorable	favorable	ADJ
ajfti-3807	76	9	and	and	CCONJ
ajfti-3807	76	10	nurturing	nurture	VERB
ajfti-3807	76	11	environment	environment	NOUN
ajfti-3807	76	12	for	for	ADP
ajfti-3807	76	13	the	the	DET
ajfti-3807	76	14	ion	ion	NOUN
ajfti-3807	76	15	and	and	CCONJ
ajfti-3807	76	16	services	service	NOUN
ajfti-3807	76	17	of	of	ADP
ajfti-3807	76	18	mobile	mobile	ADJ
ajfti-3807	76	19	banking	banking	NOUN
ajfti-3807	76	20	(	(	PUNCT
ajfti-3807	76	21	renzaho	renzaho	NOUN
ajfti-3807	76	22	et	et	PROPN
ajfti-3807	76	23	al	al	PROPN
ajfti-3807	76	24	.	.	PROPN
ajfti-3807	76	25	,	,	PUNCT
ajfti-3807	76	26	2022	2022	NUM
ajfti-3807	76	27	)	)	PUNCT
ajfti-3807	76	28	.	.	PUNCT
ajfti-3807	77	1	constraints	constraint	NOUN
ajfti-3807	77	2	will	will	AUX
ajfti-3807	77	3	address	address	VERB
ajfti-3807	77	4	the	the	DET
ajfti-3807	77	5	sectors	sector	NOUN
ajfti-3807	77	6	of	of	ADP
ajfti-3807	77	7	data	datum	NOUN
ajfti-3807	77	8	privacy	privacy	NOUN
ajfti-3807	77	9	,	,	PUNCT
ajfti-3807	77	10	safety	safety	NOUN
ajfti-3807	77	11	,	,	PUNCT
ajfti-3807	77	12	consumer	consumer	NOUN
ajfti-3807	77	13	protection	protection	NOUN
ajfti-3807	77	14	,	,	PUNCT
ajfti-3807	77	15	and	and	CCONJ
ajfti-3807	77	16	attribution	attribution	NOUN
ajfti-3807	77	17	of	of	ADP
ajfti-3807	77	18	law	law	NOUN
ajfti-3807	77	19	to	to	ADP
ajfti-3807	77	20	virtual	virtual	ADJ
ajfti-3807	77	21	transactions	transaction	NOUN
ajfti-3807	77	22	(	(	PUNCT
ajfti-3807	77	23	mogos	mogo	NOUN
ajfti-3807	77	24	&	&	CCONJ
ajfti-3807	77	25	jamail	jamail	PROPN
ajfti-3807	77	26	,	,	PUNCT
ajfti-3807	77	27	2021	2021	NUM
ajfti-3807	77	28	)	)	PUNCT
ajfti-3807	77	29	.	.	PUNCT
ajfti-3807	78	1	a	a	DET
ajfti-3807	78	2	transparent	transparent	ADJ
ajfti-3807	78	3	set	set	NOUN
ajfti-3807	78	4	of	of	ADP
ajfti-3807	78	5	rules	rule	NOUN
ajfti-3807	78	6	dealing	deal	VERB
ajfti-3807	78	7	with	with	ADP
ajfti-3807	78	8	these	these	DET
ajfti-3807	78	9	issues	issue	NOUN
ajfti-3807	78	10	must	must	AUX
ajfti-3807	78	11	be	be	AUX
ajfti-3807	78	12	provided	provide	VERB
ajfti-3807	78	13	in	in	ADP
ajfti-3807	78	14	order	order	NOUN
ajfti-3807	78	15	to	to	PART
ajfti-3807	78	16	attract	attract	VERB
ajfti-3807	78	17	customers	customer	NOUN
ajfti-3807	78	18	with	with	ADP
ajfti-3807	78	19	a	a	DET
ajfti-3807	78	20	high	high	ADJ
ajfti-3807	78	21	level	level	NOUN
ajfti-3807	78	22	of	of	ADP
ajfti-3807	78	23	trust	trust	NOUN
ajfti-3807	78	24	and	and	CCONJ
ajfti-3807	78	25	confidence	confidence	NOUN
ajfti-3807	78	26	in	in	ADP
ajfti-3807	78	27	their	their	PRON
ajfti-3807	78	28	use	use	NOUN
ajfti-3807	78	29	of	of	ADP
ajfti-3807	78	30	are	be	AUX
ajfti-3807	78	31	banks	bank	NOUN
ajfti-3807	78	32	online	online	ADV
ajfti-3807	78	33	(	(	PUNCT
ajfti-3807	78	34	malinka	malinka	PROPN
ajfti-3807	78	35	et	et	PROPN
ajfti-3807	78	36	al	al	PROPN
ajfti-3807	78	37	.	.	PROPN
ajfti-3807	78	38	,	,	PUNCT
ajfti-3807	78	39	2022	2022	NUM
ajfti-3807	78	40	)	)	PUNCT
ajfti-3807	78	41	.	.	PUNCT
ajfti-3807	79	1	cultural	cultural	ADJ
ajfti-3807	79	2	factors	factor	NOUN
ajfti-3807	79	3	may	may	AUX
ajfti-3807	79	4	influence	influence	VERB
ajfti-3807	79	5	sudanese	sudanese	ADJ
ajfti-3807	79	6	consumers	consumer	NOUN
ajfti-3807	79	7	’	'	PUNCT
ajfti-3807	79	8	reluctance	reluctance	NOUN
ajfti-3807	79	9	to	to	PART
ajfti-3807	79	10	adopt	adopt	VERB
ajfti-3807	79	11	online	online	ADJ
ajfti-3807	79	12	banking	banking	NOUN
ajfti-3807	79	13	due	due	ADP
ajfti-3807	79	14	to	to	ADP
ajfti-3807	79	15	concerns	concern	NOUN
ajfti-3807	79	16	about	about	ADP
ajfti-3807	79	17	security	security	NOUN
ajfti-3807	79	18	,	,	PUNCT
ajfti-3807	79	19	trust	trust	NOUN
ajfti-3807	79	20	,	,	PUNCT
ajfti-3807	79	21	and	and	CCONJ
ajfti-3807	79	22	the	the	DET
ajfti-3807	79	23	need	need	NOUN
ajfti-3807	79	24	for	for	ADP
ajfti-3807	79	25	face	face	NOUN
ajfti-3807	79	26	-	-	PUNCT
ajfti-3807	79	27	to	to	ADP
ajfti-3807	79	28	-	-	PUNCT
ajfti-3807	79	29	face	face	NOUN
ajfti-3807	79	30	financial	financial	ADJ
ajfti-3807	79	31	assistance	assistance	NOUN
ajfti-3807	79	32	(	(	PUNCT
ajfti-3807	79	33	khater	khater	NOUN
ajfti-3807	79	34	et	et	PROPN
ajfti-3807	79	35	al	al	PROPN
ajfti-3807	79	36	.	.	PROPN
ajfti-3807	79	37	,	,	PUNCT
ajfti-3807	79	38	2020	2020	NUM
ajfti-3807	79	39	)	)	PUNCT
ajfti-3807	79	40	.	.	PUNCT
ajfti-3807	80	1	raising	raise	VERB
ajfti-3807	80	2	the	the	DET
ajfti-3807	80	3	awareness	awareness	NOUN
ajfti-3807	80	4	of	of	ADP
ajfti-3807	80	5	the	the	DET
ajfti-3807	80	6	public	public	NOUN
ajfti-3807	80	7	regarding	regard	VERB
ajfti-3807	80	8	benefits	benefit	NOUN
ajfti-3807	80	9	of	of	ADP
ajfti-3807	80	10	internet	internet	NOUN
ajfti-3807	80	11	banking	banking	NOUN
ajfti-3807	80	12	,	,	PUNCT
ajfti-3807	80	13	countering	counter	VERB
ajfti-3807	80	14	the	the	DET
ajfti-3807	80	15	doubts	doubt	NOUN
ajfti-3807	80	16	replaced	replace	VERB
ajfti-3807	80	17	by	by	ADP
ajfti-3807	80	18	internet	internet	NOUN
ajfti-3807	80	19	security	security	NOUN
ajfti-3807	80	20	and	and	CCONJ
ajfti-3807	80	21	highlighting	highlight	VERB
ajfti-3807	80	22	examples	example	NOUN
ajfti-3807	80	23	of	of	ADP
ajfti-3807	80	24	the	the	DET
ajfti-3807	80	25	convenience	convenience	NOUN
ajfti-3807	80	26	and	and	CCONJ
ajfti-3807	80	27	effectiveness	effectiveness	NOUN
ajfti-3807	80	28	of	of	ADP
ajfti-3807	80	29	online	online	ADJ
ajfti-3807	80	30	transactions	transaction	NOUN
ajfti-3807	80	31	are	be	AUX
ajfti-3807	80	32	some	some	DET
ajfti-3807	80	33	cultural	cultural	ADJ
ajfti-3807	80	34	attitudes	attitude	NOUN
ajfti-3807	80	35	that	that	PRON
ajfti-3807	80	36	would	would	AUX
ajfti-3807	80	37	be	be	AUX
ajfti-3807	80	38	changed	change	VERB
ajfti-3807	80	39	,	,	PUNCT
ajfti-3807	80	40	and	and	CCONJ
ajfti-3807	80	41	acceptance	acceptance	NOUN
ajfti-3807	80	42	of	of	ADP
ajfti-3807	80	43	the	the	DET
ajfti-3807	80	44	technology	technology	NOUN
ajfti-3807	80	45	will	will	AUX
ajfti-3807	80	46	be	be	AUX
ajfti-3807	80	47	promoted	promote	VERB
ajfti-3807	80	48	(	(	PUNCT
ajfti-3807	80	49	indiani	indiani	PROPN
ajfti-3807	80	50	&	&	CCONJ
ajfti-3807	80	51	fahik	fahik	PROPN
ajfti-3807	80	52	,	,	PUNCT
ajfti-3807	80	53	2020	2020	NUM
ajfti-3807	80	54	)	)	PUNCT
ajfti-3807	80	55	.	.	PUNCT
ajfti-3807	81	1	banks	bank	NOUN
ajfti-3807	81	2	and	and	CCONJ
ajfti-3807	81	3	telecommunication	telecommunication	NOUN
ajfti-3807	81	4	companies	company	NOUN
ajfti-3807	81	5	can	can	AUX
ajfti-3807	81	6	promote	promote	VERB
ajfti-3807	81	7	online	online	ADJ
ajfti-3807	81	8	banking	banking	NOUN
ajfti-3807	81	9	in	in	ADP
ajfti-3807	81	10	sudan	sudan	PROPN
ajfti-3807	81	11	by	by	ADP
ajfti-3807	81	12	launching	launch	VERB
ajfti-3807	81	13	ecofriendly	ecofriendly	ADV
ajfti-3807	81	14	product	product	NOUN
ajfti-3807	81	15	campaigns	campaign	NOUN
ajfti-3807	81	16	to	to	PART
ajfti-3807	81	17	overcome	overcome	VERB
ajfti-3807	81	18	customer	customer	NOUN
ajfti-3807	81	19	misconceptions	misconception	NOUN
ajfti-3807	81	20	and	and	CCONJ
ajfti-3807	81	21	increase	increase	VERB
ajfti-3807	81	22	adoption	adoption	NOUN
ajfti-3807	81	23	rates	rate	NOUN
ajfti-3807	81	24	(	(	PUNCT
ajfti-3807	81	25	khattab	khattab	PROPN
ajfti-3807	81	26	et	et	PROPN
ajfti-3807	81	27	al	al	PROPN
ajfti-3807	81	28	.	.	PROPN
ajfti-3807	81	29	,	,	PUNCT
ajfti-3807	81	30	2020	2020	NUM
ajfti-3807	81	31	)	)	PUNCT
ajfti-3807	81	32	.	.	PUNCT
ajfti-3807	82	1	mobile	mobile	ADJ
ajfti-3807	82	2	banking	banking	NOUN
ajfti-3807	82	3	expands	expand	VERB
ajfti-3807	82	4	accessibility	accessibility	NOUN
ajfti-3807	82	5	and	and	CCONJ
ajfti-3807	82	6	convenience	convenience	NOUN
ajfti-3807	82	7	for	for	ADP
ajfti-3807	82	8	many	many	ADJ
ajfti-3807	82	9	while	while	SCONJ
ajfti-3807	82	10	enhancing	enhance	VERB
ajfti-3807	82	11	security	security	NOUN
ajfti-3807	82	12	measures	measure	NOUN
ajfti-3807	82	13	to	to	PART
ajfti-3807	82	14	ensure	ensure	VERB
ajfti-3807	82	15	client	client	NOUN
ajfti-3807	82	16	safety	safety	NOUN
ajfti-3807	82	17	(	(	PUNCT
ajfti-3807	82	18	jun	jun	PROPN
ajfti-3807	82	19	&	&	CCONJ
ajfti-3807	82	20	palacios	palacio	NOUN
ajfti-3807	82	21	,	,	PUNCT
ajfti-3807	82	22	2016	2016	NUM
ajfti-3807	82	23	)	)	PUNCT
ajfti-3807	82	24	.	.	PUNCT
ajfti-3807	83	1	trust	trust	NOUN
ajfti-3807	83	2	and	and	CCONJ
ajfti-3807	83	3	security	security	NOUN
ajfti-3807	83	4	concerns	concern	NOUN
ajfti-3807	83	5	in	in	ADP
ajfti-3807	83	6	internet	internet	NOUN
ajfti-3807	83	7	banking	banking	NOUN
ajfti-3807	83	8	adoption	adoption	NOUN
ajfti-3807	83	9	the	the	DET
ajfti-3807	83	10	adoption	adoption	NOUN
ajfti-3807	83	11	of	of	ADP
ajfti-3807	83	12	internet	internet	NOUN
ajfti-3807	83	13	banking	banking	NOUN
ajfti-3807	83	14	in	in	ADP
ajfti-3807	83	15	sudan	sudan	PROPN
ajfti-3807	83	16	is	be	AUX
ajfti-3807	83	17	influenced	influence	VERB
ajfti-3807	83	18	by	by	ADP
ajfti-3807	83	19	factors	factor	NOUN
ajfti-3807	83	20	such	such	ADJ
ajfti-3807	83	21	as	as	ADP
ajfti-3807	83	22	confidence	confidence	NOUN
ajfti-3807	83	23	and	and	CCONJ
ajfti-3807	83	24	security	security	NOUN
ajfti-3807	83	25	beliefs	belief	NOUN
ajfti-3807	83	26	,	,	PUNCT
ajfti-3807	83	27	as	as	SCONJ
ajfti-3807	83	28	highlighted	highlight	VERB
ajfti-3807	83	29	in	in	ADP
ajfti-3807	83	30	the	the	DET
ajfti-3807	83	31	literature	literature	NOUN
ajfti-3807	83	32	stream	stream	NOUN
ajfti-3807	83	33	(	(	PUNCT
ajfti-3807	83	34	salim	salim	PROPN
ajfti-3807	83	35	et	et	PROPN
ajfti-3807	83	36	al	al	PROPN
ajfti-3807	83	37	.	.	PROPN
ajfti-3807	83	38	,	,	PUNCT
ajfti-3807	83	39	2016	2016	NUM
ajfti-3807	83	40	)	)	PUNCT
ajfti-3807	83	41	.	.	PUNCT
ajfti-3807	84	1	banks	bank	NOUN
ajfti-3807	84	2	implemented	implement	VERB
ajfti-3807	84	3	measures	measure	NOUN
ajfti-3807	84	4	to	to	PART
ajfti-3807	84	5	build	build	VERB
ajfti-3807	84	6	trust	trust	NOUN
ajfti-3807	84	7	and	and	CCONJ
ajfti-3807	84	8	confidence	confidence	NOUN
ajfti-3807	84	9	by	by	ADP
ajfti-3807	84	10	addressing	address	VERB
ajfti-3807	84	11	data	datum	NOUN
ajfti-3807	84	12	privacy	privacy	NOUN
ajfti-3807	84	13	,	,	PUNCT
ajfti-3807	84	14	online	online	ADJ
ajfti-3807	84	15	fraud	fraud	NOUN
ajfti-3807	84	16	,	,	PUNCT
ajfti-3807	84	17	and	and	CCONJ
ajfti-3807	84	18	cybersecurity	cybersecurity	NOUN
ajfti-3807	84	19	(	(	PUNCT
ajfti-3807	84	20	liyanaarachchi	liyanaarachchi	VERB
ajfti-3807	84	21	et	et	PROPN
ajfti-3807	84	22	al	al	PROPN
ajfti-3807	84	23	.	.	PROPN
ajfti-3807	84	24	,	,	PUNCT
ajfti-3807	84	25	2021	2021	NUM
ajfti-3807	84	26	)	)	PUNCT
ajfti-3807	84	27	.	.	PUNCT
ajfti-3807	85	1	the	the	DET
ajfti-3807	85	2	main	main	ADJ
ajfti-3807	85	3	focus	focus	NOUN
ajfti-3807	85	4	of	of	ADP
ajfti-3807	85	5	ensuring	ensure	VERB
ajfti-3807	85	6	the	the	DET
ajfti-3807	85	7	widespread	widespread	ADJ
ajfti-3807	85	8	acceptance	acceptance	NOUN
ajfti-3807	85	9	of	of	ADP
ajfti-3807	85	10	internet	internet	NOUN
ajfti-3807	85	11	banking	banking	NOUN
ajfti-3807	85	12	is	be	AUX
ajfti-3807	85	13	the	the	DET
ajfti-3807	85	14	protection	protection	NOUN
ajfti-3807	85	15	of	of	ADP
ajfti-3807	85	16	personal	personal	ADJ
ajfti-3807	85	17	data	datum	NOUN
ajfti-3807	85	18	privacy	privacy	NOUN
ajfti-3807	85	19	(	(	PUNCT
ajfti-3807	85	20	rawwash	rawwash	X
ajfti-3807	85	21	et	et	PROPN
ajfti-3807	85	22	al	al	PROPN
ajfti-3807	85	23	.	.	PROPN
ajfti-3807	85	24	,	,	PUNCT
ajfti-3807	85	25	2020	2020	NUM
ajfti-3807	85	26	)	)	PUNCT
ajfti-3807	85	27	.	.	PUNCT
ajfti-3807	86	1	customers	customer	NOUN
ajfti-3807	86	2	are	be	AUX
ajfti-3807	86	3	definitely	definitely	ADV
ajfti-3807	86	4	looking	look	VERB
ajfti-3807	86	5	for	for	ADP
ajfti-3807	86	6	confirmation	confirmation	NOUN
ajfti-3807	86	7	that	that	SCONJ
ajfti-3807	86	8	the	the	DET
ajfti-3807	86	9	entities	entity	NOUN
ajfti-3807	86	10	holding	hold	VERB
ajfti-3807	86	11	their	their	PRON
ajfti-3807	86	12	data	datum	NOUN
ajfti-3807	86	13	are	be	AUX
ajfti-3807	86	14	going	go	VERB
ajfti-3807	86	15	to	to	PART
ajfti-3807	86	16	be	be	AUX
ajfti-3807	86	17	reliable	reliable	ADJ
ajfti-3807	86	18	and	and	CCONJ
ajfti-3807	86	19	protective	protective	ADJ
ajfti-3807	86	20	and	and	CCONJ
ajfti-3807	86	21	won´t	won´t	PROPN
ajfti-3807	86	22	abuse	abuse	NOUN
ajfti-3807	86	23	the	the	DET
ajfti-3807	86	24	information	information	NOUN
ajfti-3807	86	25	(	(	PUNCT
ajfti-3807	86	26	sasono	sasono	PROPN
ajfti-3807	86	27	et	et	PROPN
ajfti-3807	86	28	al	al	PROPN
ajfti-3807	86	29	.	.	PROPN
ajfti-3807	86	30	,	,	PUNCT
ajfti-3807	86	31	2021	2021	NUM
ajfti-3807	86	32	)	)	PUNCT
ajfti-3807	86	33	.	.	PUNCT
ajfti-3807	87	1	although	although	SCONJ
ajfti-3807	87	2	clear	clear	ADJ
ajfti-3807	87	3	privacy	privacy	NOUN
ajfti-3807	87	4	policies	policy	NOUN
ajfti-3807	87	5	,	,	PUNCT
ajfti-3807	87	6	data	data	NOUN
ajfti-3807	87	7	safety	safety	NOUN
ajfti-3807	87	8	,	,	PUNCT
ajfti-3807	87	9	and	and	CCONJ
ajfti-3807	87	10	compliance	compliance	NOUN
ajfti-3807	87	11	with	with	ADP
ajfti-3807	87	12	data	datum	NOUN
ajfti-3807	87	13	protection	protection	NOUN
ajfti-3807	87	14	regulations	regulation	NOUN
ajfti-3807	87	15	are	be	AUX
ajfti-3807	87	16	crucial	crucial	ADJ
ajfti-3807	87	17	for	for	SCONJ
ajfti-3807	87	18	banks	bank	NOUN
ajfti-3807	87	19	to	to	PART
ajfti-3807	87	20	alleviate	alleviate	VERB
ajfti-3807	87	21	customer	customer	NOUN
ajfti-3807	87	22	concerns	concern	NOUN
ajfti-3807	87	23	and	and	CCONJ
ajfti-3807	87	24	boost	boost	VERB
ajfti-3807	87	25	trust	trust	NOUN
ajfti-3807	87	26	(	(	PUNCT
ajfti-3807	87	27	zhang	zhang	X
ajfti-3807	87	28	et	et	PROPN
ajfti-3807	87	29	al	al	PROPN
ajfti-3807	87	30	.	.	PROPN
ajfti-3807	87	31	,	,	PUNCT
ajfti-3807	87	32	2020	2020	NUM
ajfti-3807	87	33	)	)	PUNCT
ajfti-3807	87	34	.	.	PUNCT
ajfti-3807	88	1	internet	internet	NOUN
ajfti-3807	88	2	banking	banking	NOUN
ajfti-3807	88	3	faces	face	VERB
ajfti-3807	88	4	significant	significant	ADJ
ajfti-3807	88	5	fraud	fraud	NOUN
ajfti-3807	88	6	concerns	concern	NOUN
ajfti-3807	88	7	,	,	PUNCT
ajfti-3807	88	8	causing	cause	VERB
ajfti-3807	88	9	unauthorized	unauthorized	ADJ
ajfti-3807	88	10	access	access	NOUN
ajfti-3807	88	11	and	and	CCONJ
ajfti-3807	88	12	threatening	threaten	VERB
ajfti-3807	88	13	clients	client	NOUN
ajfti-3807	88	14	(	(	PUNCT
ajfti-3807	88	15	rossi	rossi	PROPN
ajfti-3807	88	16	et	et	PROPN
ajfti-3807	88	17	al	al	PROPN
ajfti-3807	88	18	.	.	PROPN
ajfti-3807	88	19	,	,	PUNCT
ajfti-3807	88	20	2021	2021	NUM
ajfti-3807	88	21	)	)	PUNCT
ajfti-3807	88	22	.	.	PUNCT
ajfti-3807	89	1	the	the	DET
ajfti-3807	89	2	study	study	NOUN
ajfti-3807	89	3	aims	aim	VERB
ajfti-3807	89	4	to	to	PART
ajfti-3807	89	5	evaluate	evaluate	VERB
ajfti-3807	89	6	the	the	DET
ajfti-3807	89	7	effectiveness	effectiveness	NOUN
ajfti-3807	89	8	of	of	ADP
ajfti-3807	89	9	security	security	NOUN
ajfti-3807	89	10	measures	measure	NOUN
ajfti-3807	89	11	in	in	ADP
ajfti-3807	89	12	banks	bank	NOUN
ajfti-3807	89	13	to	to	PART
ajfti-3807	89	14	prevent	prevent	VERB
ajfti-3807	89	15	cyber	cyber	NOUN
ajfti-3807	89	16	fraud	fraud	NOUN
ajfti-3807	89	17	(	(	PUNCT
ajfti-3807	89	18	datta	datta	NOUN
ajfti-3807	89	19	et	et	PROPN
ajfti-3807	89	20	al	al	PROPN
ajfti-3807	89	21	.	.	PROPN
ajfti-3807	89	22	,	,	PUNCT
ajfti-3807	89	23	2020	2020	NUM
ajfti-3807	89	24	)	)	PUNCT
ajfti-3807	89	25	.	.	PUNCT
ajfti-3807	90	1	hence	hence	ADV
ajfti-3807	90	2	,	,	PUNCT
ajfti-3807	90	3	these	these	DET
ajfti-3807	90	4	measures	measure	NOUN
ajfti-3807	90	5	include	include	VERB
ajfti-3807	90	6	multifactor	multifactor	NOUN
ajfti-3807	90	7	authentication	authentication	NOUN
ajfti-3807	90	8	,	,	PUNCT
ajfti-3807	90	9	encryption	encryption	NOUN
ajfti-3807	90	10	technologies	technology	NOUN
ajfti-3807	90	11	,	,	PUNCT
ajfti-3807	90	12	real	real	ADJ
ajfti-3807	90	13	-	-	PUNCT
ajfti-3807	90	14	time	time	NOUN
ajfti-3807	90	15	transaction	transaction	NOUN
ajfti-3807	90	16	tracking	tracking	NOUN
ajfti-3807	90	17	,	,	PUNCT
ajfti-3807	90	18	and	and	CCONJ
ajfti-3807	90	19	fraud	fraud	NOUN
ajfti-3807	90	20	detection	detection	NOUN
ajfti-3807	90	21	systems	system	NOUN
ajfti-3807	90	22	(	(	PUNCT
ajfti-3807	90	23	karim	karim	PROPN
ajfti-3807	90	24	et	et	PROPN
ajfti-3807	90	25	al	al	PROPN
ajfti-3807	90	26	.	.	PROPN
ajfti-3807	90	27	,	,	PUNCT
ajfti-3807	90	28	2023	2023	NUM
ajfti-3807	90	29	)	)	PUNCT
ajfti-3807	90	30	.	.	PUNCT
ajfti-3807	91	1	sudan	sudan	PROPN
ajfti-3807	91	2	recognizes	recognize	VERB
ajfti-3807	91	3	the	the	DET
ajfti-3807	91	4	positive	positive	ADJ
ajfti-3807	91	5	perception	perception	NOUN
ajfti-3807	91	6	of	of	ADP
ajfti-3807	91	7	security	security	NOUN
ajfti-3807	91	8	mechanisms	mechanism	NOUN
ajfti-3807	91	9	among	among	ADP
ajfti-3807	91	10	internet	internet	NOUN
ajfti-3807	91	11	banking	banking	NOUN
ajfti-3807	91	12	customers	customer	NOUN
ajfti-3807	91	13	,	,	PUNCT
ajfti-3807	91	14	emphasizing	emphasize	VERB
ajfti-3807	91	15	the	the	DET
ajfti-3807	91	16	importance	importance	NOUN
ajfti-3807	91	17	of	of	ADP
ajfti-3807	91	18	confidence	confidence	NOUN
ajfti-3807	91	19	in	in	ADP
ajfti-3807	91	20	their	their	PRON
ajfti-3807	91	21	acceptance	acceptance	NOUN
ajfti-3807	91	22	of	of	ADP
ajfti-3807	91	23	online	online	ADJ
ajfti-3807	91	24	banking	banking	NOUN
ajfti-3807	91	25	services	service	NOUN
ajfti-3807	91	26	(	(	PUNCT
ajfti-3807	91	27	hassan	hassan	PROPN
ajfti-3807	91	28	et	et	PROPN
ajfti-3807	91	29	al	al	PROPN
ajfti-3807	91	30	.	.	PROPN
ajfti-3807	91	31	,	,	PUNCT
ajfti-3807	91	32	2020	2020	NUM
ajfti-3807	91	33	)	)	PUNCT
ajfti-3807	91	34	.	.	PUNCT
ajfti-3807	92	1	customers	customer	NOUN
ajfti-3807	92	2	face	face	VERB
ajfti-3807	92	3	issues	issue	NOUN
ajfti-3807	92	4	with	with	ADP
ajfti-3807	92	5	personal	personal	ADJ
ajfti-3807	92	6	and	and	CCONJ
ajfti-3807	92	7	security	security	NOUN
ajfti-3807	92	8	data	datum	NOUN
ajfti-3807	92	9	during	during	ADP
ajfti-3807	92	10	pilot	pilot	NOUN
ajfti-3807	92	11	online	online	ADJ
ajfti-3807	92	12	transactions	transaction	NOUN
ajfti-3807	92	13	,	,	PUNCT
ajfti-3807	92	14	including	include	VERB
ajfti-3807	92	15	database	database	NOUN
ajfti-3807	92	16	leaks	leak	NOUN
ajfti-3807	92	17	,	,	PUNCT
ajfti-3807	92	18	unauthorized	unauthorized	ADJ
ajfti-3807	92	19	logins	login	NOUN
ajfti-3807	92	20	,	,	PUNCT
ajfti-3807	92	21	and	and	CCONJ
ajfti-3807	92	22	online	online	ADJ
ajfti-3807	92	23	frauds	fraud	NOUN
ajfti-3807	92	24	(	(	PUNCT
ajfti-3807	92	25	mubarak	mubarak	PROPN
ajfti-3807	92	26	alharbi	alharbi	PROPN
ajfti-3807	92	27	et	et	PROPN
ajfti-3807	92	28	al	al	PROPN
ajfti-3807	92	29	.	.	PROPN
ajfti-3807	92	30	,	,	PUNCT
ajfti-3807	92	31	2013	2013	NUM
ajfti-3807	92	32	)	)	PUNCT
ajfti-3807	92	33	.	.	PUNCT
ajfti-3807	93	1	electronic	electronic	ADJ
ajfti-3807	93	2	banking	banking	NOUN
ajfti-3807	93	3	has	have	AUX
ajfti-3807	93	4	improved	improve	VERB
ajfti-3807	93	5	efficiency	efficiency	NOUN
ajfti-3807	93	6	and	and	CCONJ
ajfti-3807	93	7	affordability	affordability	NOUN
ajfti-3807	93	8	in	in	ADP
ajfti-3807	93	9	31	31	NUM
ajfti-3807	93	10	commercial	commercial	ADJ
ajfti-3807	93	11	banks	bank	NOUN
ajfti-3807	93	12	in	in	ADP
ajfti-3807	93	13	juba	juba	PROPN
ajfti-3807	93	14	,	,	PUNCT
ajfti-3807	93	15	south	south	PROPN
ajfti-3807	93	16	sudan	sudan	PROPN
ajfti-3807	93	17	,	,	PUNCT
ajfti-3807	93	18	it	it	PRON
ajfti-3807	93	19	has	have	AUX
ajfti-3807	93	20	also	also	ADV
ajfti-3807	93	21	led	lead	VERB
ajfti-3807	93	22	to	to	ADP
ajfti-3807	93	23	reduced	reduce	VERB
ajfti-3807	93	24	profitability	profitability	NOUN
ajfti-3807	93	25	.	.	PUNCT
ajfti-3807	94	1	the	the	DET
ajfti-3807	94	2	findings	finding	NOUN
ajfti-3807	94	3	suggest	suggest	VERB
ajfti-3807	94	4	that	that	SCONJ
ajfti-3807	94	5	banks	bank	NOUN
ajfti-3807	94	6	should	should	AUX
ajfti-3807	94	7	focus	focus	VERB
ajfti-3807	94	8	on	on	ADP
ajfti-3807	94	9	expanding	expand	VERB
ajfti-3807	94	10	internet	internet	NOUN
ajfti-3807	94	11	infrastructures	infrastructure	NOUN
ajfti-3807	94	12	and	and	CCONJ
ajfti-3807	94	13	developing	develop	VERB
ajfti-3807	94	14	new	new	ADJ
ajfti-3807	94	15	online	online	ADJ
ajfti-3807	94	16	banking	banking	NOUN
ajfti-3807	94	17	services	service	NOUN
ajfti-3807	94	18	to	to	PART
ajfti-3807	94	19	meet	meet	VERB
ajfti-3807	94	20	customer	customer	NOUN
ajfti-3807	94	21	needs	need	NOUN
ajfti-3807	94	22	(	(	PUNCT
ajfti-3807	94	23	kordit	kordit	NOUN
ajfti-3807	94	24	,	,	PUNCT
ajfti-3807	94	25	2022	2022	NUM
ajfti-3807	94	26	)	)	PUNCT
ajfti-3807	94	27	.	.	PUNCT
ajfti-3807	95	1	cultural	cultural	ADJ
ajfti-3807	95	2	factors	factor	NOUN
ajfti-3807	95	3	and	and	CCONJ
ajfti-3807	95	4	user	user	NOUN
ajfti-3807	95	5	behavior	behavior	NOUN
ajfti-3807	95	6	in	in	ADP
ajfti-3807	95	7	internet	internet	NOUN
ajfti-3807	95	8	banking	banking	NOUN
ajfti-3807	95	9	adoption	adoption	NOUN
ajfti-3807	95	10	cultural	cultural	ADJ
ajfti-3807	95	11	elements	element	NOUN
ajfti-3807	95	12	as	as	SCONJ
ajfti-3807	95	13	regards	regard	VERB
ajfti-3807	95	14	the	the	DET
ajfti-3807	95	15	internet	internet	NOUN
ajfti-3807	95	16	banking	banking	NOUN
ajfti-3807	95	17	adoption	adoption	NOUN
ajfti-3807	95	18	rather	rather	ADV
ajfti-3807	95	19	figure	figure	VERB
ajfti-3807	95	20	in	in	ADP
ajfti-3807	95	21	the	the	DET
ajfti-3807	95	22	customers	customer	NOUN
ajfti-3807	95	23	’	’	PART
ajfti-3807	95	24	perception	perception	NOUN
ajfti-3807	95	25	-	-	PUNCT
ajfti-3807	95	26	formation	formation	NOUN
ajfti-3807	95	27	and	and	CCONJ
ajfti-3807	95	28	their	their	PRON
ajfti-3807	95	29	acceptability	acceptability	NOUN
ajfti-3807	95	30	in	in	ADP
ajfti-3807	95	31	sudan	sudan	PROPN
ajfti-3807	95	32	as	as	ADP
ajfti-3807	95	33	elsewhere	elsewhere	ADV
ajfti-3807	95	34	(	(	PUNCT
ajfti-3807	95	35	sharma	sharma	PROPN
ajfti-3807	95	36	et	et	PROPN
ajfti-3807	95	37	al	al	PROPN
ajfti-3807	95	38	.	.	PROPN
ajfti-3807	95	39	,	,	PUNCT
ajfti-3807	95	40	2020	2020	NUM
ajfti-3807	95	41	)	)	PUNCT
ajfti-3807	95	42	.	.	PUNCT
ajfti-3807	96	1	the	the	DET
ajfti-3807	96	2	knowledge	knowledge	NOUN
ajfti-3807	96	3	of	of	ADP
ajfti-3807	96	4	sudanese	sudanese	ADJ
ajfti-3807	96	5	culture	culture	NOUN
ajfti-3807	96	6	norms	norm	NOUN
ajfti-3807	96	7	,	,	PUNCT
ajfti-3807	96	8	values	value	NOUN
ajfti-3807	96	9	,	,	PUNCT
ajfti-3807	96	10	those	those	PRON
ajfti-3807	96	11	here	here	ADV
ajfti-3807	96	12	,	,	PUNCT
ajfti-3807	96	13	and	and	CCONJ
ajfti-3807	96	14	the	the	DET
ajfti-3807	96	15	views	view	NOUN
ajfti-3807	96	16	of	of	ADP
ajfti-3807	96	17	society	society	NOUN
ajfti-3807	96	18	towards	towards	ADP
ajfti-3807	96	19	the	the	DET
ajfti-3807	96	20	technology	technology	NOUN
ajfti-3807	96	21	are	be	AUX
ajfti-3807	96	22	key	key	ADJ
ajfti-3807	96	23	for	for	ADP
ajfti-3807	96	24	the	the	DET
ajfti-3807	96	25	understanding	understanding	NOUN
ajfti-3807	96	26	the	the	DET
ajfti-3807	96	27	effect	effect	NOUN
ajfti-3807	96	28	on	on	ADP
ajfti-3807	96	29	the	the	DET
ajfti-3807	96	30	internet	internet	NOUN
ajfti-3807	96	31	banking	banking	NOUN
ajfti-3807	96	32	usage	usage	NOUN
ajfti-3807	96	33	patterns	pattern	NOUN
ajfti-3807	96	34	in	in	ADP
ajfti-3807	96	35	the	the	DET
ajfti-3807	96	36	sudanese	sudanese	ADJ
ajfti-3807	96	37	society	society	NOUN
ajfti-3807	96	38	(	(	PUNCT
ajfti-3807	96	39	sleiman	sleiman	NOUN
ajfti-3807	96	40	et	et	PROPN
ajfti-3807	96	41	al	al	PROPN
ajfti-3807	96	42	.	.	PROPN
ajfti-3807	96	43	,	,	PUNCT
ajfti-3807	96	44	2021	2021	NUM
ajfti-3807	96	45	)	)	PUNCT
ajfti-3807	96	46	.	.	PUNCT
ajfti-3807	97	1	in	in	ADP
ajfti-3807	97	2	sudan	sudan	PROPN
ajfti-3807	97	3	,	,	PUNCT
ajfti-3807	97	4	the	the	DET
ajfti-3807	97	5	most	most	ADV
ajfti-3807	97	6	essential	essential	ADJ
ajfti-3807	97	7	factor	factor	NOUN
ajfti-3807	97	8	that	that	PRON
ajfti-3807	97	9	influences	influence	VERB
ajfti-3807	97	10	the	the	DET
ajfti-3807	97	11	adoption	adoption	NOUN
ajfti-3807	97	12	of	of	ADP
ajfti-3807	97	13	the	the	DET
ajfti-3807	97	14	innovations	innovation	NOUN
ajfti-3807	97	15	is	be	AUX
ajfti-3807	97	16	traditional	traditional	ADJ
ajfti-3807	97	17	culture	culture	NOUN
ajfti-3807	97	18	with	with	ADP
ajfti-3807	97	19	the	the	DET
ajfti-3807	97	20	values	value	NOUN
ajfti-3807	97	21	attached	attach	VERB
ajfti-3807	97	22	with	with	ADP
ajfti-3807	97	23	it	it	PRON
ajfti-3807	97	24	,	,	PUNCT
ajfti-3807	97	25	this	this	PRON
ajfti-3807	97	26	includes	include	VERB
ajfti-3807	97	27	internet	internet	NOUN
ajfti-3807	97	28	banking	banking	NOUN
ajfti-3807	97	29	(	(	PUNCT
ajfti-3807	97	30	deshayes	deshayes	NOUN
ajfti-3807	97	31	,	,	PUNCT
ajfti-3807	97	32	2022	2022	NUM
ajfti-3807	97	33	)	)	PUNCT
ajfti-3807	97	34	.	.	PUNCT
ajfti-3807	98	1	the	the	DET
ajfti-3807	98	2	country	country	NOUN
ajfti-3807	98	3	of	of	ADP
ajfti-3807	98	4	sudan	sudan	PROPN
ajfti-3807	98	5	attaches	attach	VERB
ajfti-3807	98	6	huge	huge	ADJ
ajfti-3807	98	7	significance	significance	NOUN
ajfti-3807	98	8	to	to	ADP
ajfti-3807	98	9	the	the	DET
ajfti-3807	98	10	personal	personal	ADJ
ajfti-3807	98	11	discussions	discussion	NOUN
ajfti-3807	98	12	,	,	PUNCT
ajfti-3807	98	13	which	which	PRON
ajfti-3807	98	14	are	be	AUX
ajfti-3807	98	15	usually	usually	ADV
ajfti-3807	98	16	conducted	conduct	VERB
ajfti-3807	98	17	in	in	ADP
ajfti-3807	98	18	face	face	NOUN
ajfti-3807	98	19	-	-	PUNCT
ajfti-3807	98	20	to	to	ADP
ajfti-3807	98	21	-	-	PUNCT
ajfti-3807	98	22	face	face	NOUN
ajfti-3807	98	23	mode	mode	NOUN
ajfti-3807	98	24	as	as	ADV
ajfti-3807	98	25	well	well	ADV
ajfti-3807	98	26	as	as	ADP
ajfti-3807	98	27	the	the	DET
ajfti-3807	98	28	building	building	NOUN
ajfti-3807	98	29	and	and	CCONJ
ajfti-3807	98	30	maintaining	maintain	VERB
ajfti-3807	98	31	of	of	ADP
ajfti-3807	98	32	personal	personal	ADJ
ajfti-3807	98	33	relationships	relationship	NOUN
ajfti-3807	98	34	in	in	ADP
ajfti-3807	98	35	the	the	DET
ajfti-3807	98	36	world	world	NOUN
ajfti-3807	98	37	of	of	ADP
ajfti-3807	98	38	finance	finance	NOUN
ajfti-3807	98	39	(	(	PUNCT
ajfti-3807	98	40	ahmed	ahmed	PROPN
ajfti-3807	98	41	&	&	CCONJ
ajfti-3807	98	42	ammar	ammar	PROPN
ajfti-3807	98	43	,	,	PUNCT
ajfti-3807	98	44	2020	2020	NUM
ajfti-3807	98	45	)	)	PUNCT
ajfti-3807	98	46	.	.	PUNCT
ajfti-3807	99	1	many	many	ADJ
ajfti-3807	99	2	clients	client	NOUN
ajfti-3807	99	3	prefer	prefer	VERB
ajfti-3807	99	4	to	to	PART
ajfti-3807	99	5	transact	transact	VERB
ajfti-3807	99	6	money	money	NOUN
ajfti-3807	99	7	in	in	ADP
ajfti-3807	99	8	physical	physical	ADJ
ajfti-3807	99	9	bank	bank	NOUN
ajfti-3807	99	10	branches	branch	NOUN
ajfti-3807	99	11	due	due	ADJ
ajfti-3807	99	12	to	to	ADP
ajfti-3807	99	13	the	the	DET
ajfti-3807	99	14	perceived	perceive	VERB
ajfti-3807	99	15	safety	safety	NOUN
ajfti-3807	99	16	and	and	CCONJ
ajfti-3807	99	17	trustworthiness	trustworthiness	NOUN
ajfti-3807	99	18	associated	associate	VERB
ajfti-3807	99	19	with	with	ADP
ajfti-3807	99	20	such	such	ADJ
ajfti-3807	99	21	banks	bank	NOUN
ajfti-3807	99	22	(	(	PUNCT
ajfti-3807	99	23	pavithra	pavithra	NOUN
ajfti-3807	99	24	,	,	PUNCT
ajfti-3807	99	25	2021	2021	NUM
ajfti-3807	99	26	)	)	PUNCT
ajfti-3807	99	27	.	.	PUNCT
ajfti-3807	100	1	for	for	ADP
ajfti-3807	100	2	many	many	ADJ
ajfti-3807	100	3	,	,	PUNCT
ajfti-3807	100	4	this	this	DET
ajfti-3807	100	5	strong	strong	ADJ
ajfti-3807	100	6	cultural	cultural	ADJ
ajfti-3807	100	7	affinity	affinity	NOUN
ajfti-3807	100	8	for	for	ADP
ajfti-3807	100	9	face	face	NOUN
ajfti-3807	100	10	-	-	PUNCT
ajfti-3807	100	11	to	to	ADP
ajfti-3807	100	12	-	-	PUNCT
ajfti-3807	100	13	face	face	NOUN
ajfti-3807	100	14	interactions	interaction	NOUN
ajfti-3807	100	15	may	may	AUX
ajfti-3807	100	16	serve	serve	VERB
ajfti-3807	100	17	as	as	ADP
ajfti-3807	100	18	an	an	DET
ajfti-3807	100	19	impediment	impediment	NOUN
ajfti-3807	100	20	to	to	ADP
ajfti-3807	100	21	the	the	DET
ajfti-3807	100	22	acceptance	acceptance	NOUN
ajfti-3807	100	23	of	of	ADP
ajfti-3807	100	24	internet	internet	NOUN
ajfti-3807	100	25	banking	banking	NOUN
ajfti-3807	100	26	by	by	ADP
ajfti-3807	100	27	the	the	DET
ajfti-3807	100	28	general	general	ADJ
ajfti-3807	100	29	public	public	NOUN
ajfti-3807	100	30	,	,	PUNCT
ajfti-3807	100	31	as	as	SCONJ
ajfti-3807	100	32	some	some	DET
ajfti-3807	100	33	people	people	NOUN
ajfti-3807	100	34	would	would	AUX
ajfti-3807	100	35	feel	feel	VERB
ajfti-3807	100	36	uneasy	uneasy	ADJ
ajfti-3807	100	37	adopting	adopt	VERB
ajfti-3807	100	38	virtual	virtual	ADJ
ajfti-3807	100	39	channels	channel	NOUN
ajfti-3807	100	40	in	in	ADP
ajfti-3807	100	41	place	place	NOUN
ajfti-3807	100	42	of	of	ADP
ajfti-3807	100	43	the	the	DET
ajfti-3807	100	44	traditional	traditional	ADJ
ajfti-3807	100	45	banking	banking	NOUN
ajfti-3807	100	46	networks	network	NOUN
ajfti-3807	100	47	which	which	PRON
ajfti-3807	100	48	they	they	PRON
ajfti-3807	100	49	are	be	AUX
ajfti-3807	100	50	used	use	VERB
ajfti-3807	100	51	to	to	PART
ajfti-3807	100	52	(	(	PUNCT
ajfti-3807	100	53	arif	arif	PROPN
ajfti-3807	100	54	et	et	PROPN
ajfti-3807	100	55	al	al	PROPN
ajfti-3807	100	56	.	.	PROPN
ajfti-3807	100	57	,	,	PUNCT
ajfti-3807	100	58	2020	2020	NUM
ajfti-3807	100	59	)	)	PUNCT
ajfti-3807	100	60	.	.	PUNCT
ajfti-3807	101	1	besides	besides	SCONJ
ajfti-3807	101	2	,	,	PUNCT
ajfti-3807	101	3	behaviors	behavior	NOUN
ajfti-3807	101	4	of	of	ADP
ajfti-3807	101	5	social	social	ADJ
ajfti-3807	101	6	context	context	NOUN
ajfti-3807	101	7	can	can	AUX
ajfti-3807	101	8	determine	determine	VERB
ajfti-3807	101	9	the	the	DET
ajfti-3807	101	10	number	number	NOUN
ajfti-3807	101	11	of	of	ADP
ajfti-3807	101	12	online	online	ADJ
ajfti-3807	101	13	banking	banking	NOUN
ajfti-3807	101	14	users	user	NOUN
ajfti-3807	101	15	in	in	ADP
ajfti-3807	101	16	sudan	sudan	PROPN
ajfti-3807	101	17	to	to	ADP
ajfti-3807	101	18	a	a	DET
ajfti-3807	101	19	great	great	ADJ
ajfti-3807	101	20	extent	extent	NOUN
ajfti-3807	101	21	(	(	PUNCT
ajfti-3807	101	22	sleiman	sleiman	NOUN
ajfti-3807	101	23	et	et	PROPN
ajfti-3807	101	24	al	al	PROPN
ajfti-3807	101	25	.	.	PROPN
ajfti-3807	101	26	,	,	PUNCT
ajfti-3807	101	27	2022	2022	NUM
ajfti-3807	101	28	)	)	PUNCT
ajfti-3807	101	29	.	.	PUNCT
ajfti-3807	102	1	the	the	DET
ajfti-3807	102	2	acceptance	acceptance	NOUN
ajfti-3807	102	3	of	of	ADP
ajfti-3807	102	4	technology	technology	NOUN
ajfti-3807	102	5	varies	vary	VERB
ajfti-3807	102	6	across	across	ADP
ajfti-3807	102	7	society	society	NOUN
ajfti-3807	102	8	,	,	PUNCT
ajfti-3807	102	9	especially	especially	ADV
ajfti-3807	102	10	among	among	ADP
ajfti-3807	102	11	older	old	ADJ
ajfti-3807	102	12	generations	generation	NOUN
ajfti-3807	102	13	,	,	PUNCT
ajfti-3807	102	14	due	due	ADP
ajfti-3807	102	15	to	to	ADP
ajfti-3807	102	16	their	their	PRON
ajfti-3807	102	17	unfamiliarity	unfamiliarity	NOUN
ajfti-3807	102	18	with	with	ADP
ajfti-3807	102	19	digital	digital	ADJ
ajfti-3807	102	20	platforms	platform	NOUN
ajfti-3807	102	21	and	and	CCONJ
ajfti-3807	102	22	low	low	ADJ
ajfti-3807	102	23	technological	technological	ADJ
ajfti-3807	102	24	exposure	exposure	NOUN
ajfti-3807	102	25	.	.	PUNCT
ajfti-3807	103	1	to	to	PART
ajfti-3807	103	2	overcome	overcome	VERB
ajfti-3807	103	3	attitudes	attitude	NOUN
ajfti-3807	103	4	towards	towards	ADP
ajfti-3807	103	5	internet	internet	NOUN
ajfti-3807	103	6	banking	banking	NOUN
ajfti-3807	103	7	,	,	PUNCT
ajfti-3807	103	8	educate	educate	VERB
ajfti-3807	103	9	sudanese	sudanese	ADJ
ajfti-3807	103	10	about	about	ADP
ajfti-3807	103	11	its	its	PRON
ajfti-3807	103	12	advantages	advantage	NOUN
ajfti-3807	103	13	,	,	PUNCT
ajfti-3807	103	14	safety	safety	NOUN
ajfti-3807	103	15	,	,	PUNCT
ajfti-3807	103	16	islamic	islamic	ADJ
ajfti-3807	103	17	tenets	tenet	NOUN
ajfti-3807	103	18	,	,	PUNCT
ajfti-3807	103	19	ease	ease	NOUN
ajfti-3807	103	20	of	of	ADP
ajfti-3807	103	21	interest	interest	NOUN
ajfti-3807	103	22	transactions	transaction	NOUN
ajfti-3807	103	23	,	,	PUNCT
ajfti-3807	103	24	and	and	CCONJ
ajfti-3807	103	25	morality	morality	NOUN
ajfti-3807	103	26	considerations	consideration	NOUN
ajfti-3807	103	27	,	,	PUNCT
ajfti-3807	103	28	thereby	thereby	ADV
ajfti-3807	103	29	broadening	broaden	VERB
ajfti-3807	103	30	its	its	PRON
ajfti-3807	103	31	acceptance	acceptance	NOUN
ajfti-3807	103	32	and	and	CCONJ
ajfti-3807	103	33	attractiveness	attractiveness	NOUN
ajfti-3807	103	34	(	(	PUNCT
ajfti-3807	103	35	mansour	mansour	PROPN
ajfti-3807	103	36	et	et	PROPN
ajfti-3807	103	37	al	al	PROPN
ajfti-3807	103	38	.	.	PROPN
ajfti-3807	103	39	,	,	PUNCT
ajfti-3807	103	40	2016	2016	NUM
ajfti-3807	103	41	)	)	PUNCT
ajfti-3807	103	42	.	.	PUNCT
ajfti-3807	104	1	customers	customer	NOUN
ajfti-3807	104	2	with	with	ADP
ajfti-3807	104	3	higher	high	ADJ
ajfti-3807	104	4	transaction	transaction	NOUN
ajfti-3807	104	5	demand	demand	NOUN
ajfti-3807	104	6	and	and	CCONJ
ajfti-3807	104	7	efficiency	efficiency	NOUN
ajfti-3807	104	8	and	and	CCONJ
ajfti-3807	104	9	those	those	PRON
ajfti-3807	104	10	in	in	ADP
ajfti-3807	104	11	areas	area	NOUN
ajfti-3807	104	12	with	with	ADP
ajfti-3807	104	13	higher	high	ADJ
ajfti-3807	104	14	online	online	ADJ
ajfti-3807	104	15	banking	banking	NOUN
ajfti-3807	104	16	adoption	adoption	NOUN
ajfti-3807	104	17	density	density	NOUN
ajfti-3807	104	18	adopt	adopt	NOUN
ajfti-3807	104	19	pa	pa	PROPN
ajfti-3807	104	20	ge	ge	PROPN
ajfti-3807	104	21	26	26	NUM
ajfti-3807	104	22	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3807	104	23	am	be	AUX
ajfti-3807	104	24	.	.	PUNCT
ajfti-3807	105	1	j.	j.	PROPN
ajfti-3807	105	2	financ	financ	PROPN
ajfti-3807	105	3	.	.	PUNCT
ajfti-3807	106	1	technol	technol	PROPN
ajfti-3807	106	2	.	.	PUNCT
ajfti-3807	106	3	innov	innov	PROPN
ajfti-3807	106	4	.	.	PUNCT
ajfti-3807	107	1	3(1	3(1	NUM
ajfti-3807	107	2	)	)	PUNCT
ajfti-3807	107	3	23	23	NUM
ajfti-3807	107	4	-	-	SYM
ajfti-3807	107	5	31	31	NUM
ajfti-3807	107	6	,	,	PUNCT
ajfti-3807	107	7	2025	2025	NUM
ajfti-3807	107	8	online	online	ADJ
ajfti-3807	107	9	banking	banking	NOUN
ajfti-3807	107	10	faster	fast	ADV
ajfti-3807	107	11	,	,	PUNCT
ajfti-3807	107	12	increasing	increase	VERB
ajfti-3807	107	13	banking	banking	NOUN
ajfti-3807	107	14	activity	activity	NOUN
ajfti-3807	107	15	and	and	CCONJ
ajfti-3807	107	16	transaction	transaction	NOUN
ajfti-3807	107	17	efficiency	efficiency	NOUN
ajfti-3807	107	18	(	(	PUNCT
ajfti-3807	107	19	xue	xue	PROPN
ajfti-3807	107	20	et	et	PROPN
ajfti-3807	107	21	al	al	PROPN
ajfti-3807	107	22	.	.	PROPN
ajfti-3807	107	23	,	,	PUNCT
ajfti-3807	107	24	2011	2011	NUM
ajfti-3807	107	25	)	)	PUNCT
ajfti-3807	107	26	materials	material	NOUN
ajfti-3807	107	27	and	and	CCONJ
ajfti-3807	107	28	methods	method	NOUN
ajfti-3807	107	29	data	datum	NOUN
ajfti-3807	107	30	for	for	ADP
ajfti-3807	107	31	this	this	DET
ajfti-3807	107	32	study	study	NOUN
ajfti-3807	107	33	was	be	AUX
ajfti-3807	107	34	collected	collect	VERB
ajfti-3807	107	35	by	by	ADP
ajfti-3807	107	36	means	mean	NOUN
ajfti-3807	107	37	of	of	ADP
ajfti-3807	107	38	a	a	DET
ajfti-3807	107	39	survey	survey	NOUN
ajfti-3807	107	40	conducted	conduct	VERB
ajfti-3807	107	41	in	in	ADP
ajfti-3807	107	42	khartoum	khartoum	PROPN
ajfti-3807	107	43	.	.	PUNCT
ajfti-3807	108	1	a	a	DET
ajfti-3807	108	2	total	total	NOUN
ajfti-3807	108	3	of	of	ADP
ajfti-3807	108	4	300	300	NUM
ajfti-3807	108	5	questionnaire	questionnaire	NOUN
ajfti-3807	108	6	forms	form	NOUN
ajfti-3807	108	7	were	be	AUX
ajfti-3807	108	8	delivered	deliver	VERB
ajfti-3807	108	9	to	to	ADP
ajfti-3807	108	10	respondents	respondent	NOUN
ajfti-3807	108	11	of	of	ADP
ajfti-3807	108	12	which	which	PRON
ajfti-3807	108	13	233	233	NUM
ajfti-3807	108	14	were	be	AUX
ajfti-3807	108	15	returned	return	VERB
ajfti-3807	108	16	giving	give	VERB
ajfti-3807	108	17	a	a	DET
ajfti-3807	108	18	response	response	NOUN
ajfti-3807	108	19	rate	rate	NOUN
ajfti-3807	108	20	of	of	ADP
ajfti-3807	108	21	71	71	NUM
ajfti-3807	108	22	percent	percent	NOUN
ajfti-3807	108	23	.	.	PUNCT
ajfti-3807	109	1	questionnaires	questionnaire	NOUN
ajfti-3807	109	2	were	be	AUX
ajfti-3807	109	3	filled	fill	VERB
ajfti-3807	109	4	in	in	ADP
ajfti-3807	109	5	five	five	NUM
ajfti-3807	109	6	different	different	ADJ
ajfti-3807	109	7	banks	bank	NOUN
ajfti-3807	109	8	and	and	CCONJ
ajfti-3807	109	9	in	in	ADP
ajfti-3807	109	10	different	different	ADJ
ajfti-3807	109	11	branches	branch	NOUN
ajfti-3807	109	12	by	by	ADP
ajfti-3807	109	13	selected	select	VERB
ajfti-3807	109	14	customers	customer	NOUN
ajfti-3807	109	15	with	with	ADP
ajfti-3807	109	16	different	different	ADJ
ajfti-3807	109	17	banking	banking	NOUN
ajfti-3807	109	18	treatments	treatment	NOUN
ajfti-3807	109	19	.	.	PUNCT
ajfti-3807	110	1	this	this	DET
ajfti-3807	110	2	results	result	VERB
ajfti-3807	110	3	in	in	ADP
ajfti-3807	110	4	a	a	DET
ajfti-3807	110	5	sample	sample	NOUN
ajfti-3807	110	6	that	that	PRON
ajfti-3807	110	7	was	be	AUX
ajfti-3807	110	8	well	well	ADV
ajfti-3807	110	9	distributed	distribute	VERB
ajfti-3807	110	10	in	in	ADP
ajfti-3807	110	11	terms	term	NOUN
ajfti-3807	110	12	of	of	ADP
ajfti-3807	110	13	demographic	demographic	ADJ
ajfti-3807	110	14	information	information	NOUN
ajfti-3807	110	15	e.g.	e.g.	ADV
ajfti-3807	110	16	age	age	NOUN
ajfti-3807	110	17	,	,	PUNCT
ajfti-3807	110	18	education	education	NOUN
ajfti-3807	110	19	,	,	PUNCT
ajfti-3807	110	20	income	income	NOUN
ajfti-3807	110	21	,	,	PUNCT
ajfti-3807	110	22	and	and	CCONJ
ajfti-3807	110	23	treatment	treatment	NOUN
ajfti-3807	110	24	period	period	NOUN
ajfti-3807	110	25	.	.	PUNCT
ajfti-3807	111	1	the	the	DET
ajfti-3807	111	2	questionnaire	questionnaire	NOUN
ajfti-3807	111	3	consisted	consist	VERB
ajfti-3807	111	4	of	of	ADP
ajfti-3807	111	5	questions	question	NOUN
ajfti-3807	111	6	that	that	PRON
ajfti-3807	111	7	related	relate	VERB
ajfti-3807	111	8	to	to	ADP
ajfti-3807	111	9	background	background	NOUN
ajfti-3807	111	10	,	,	PUNCT
ajfti-3807	111	11	possible	possible	ADJ
ajfti-3807	111	12	factors	factor	NOUN
ajfti-3807	111	13	affecting	affect	VERB
ajfti-3807	111	14	ib	ib	NOUN
ajfti-3807	111	15	and	and	CCONJ
ajfti-3807	111	16	use	use	NOUN
ajfti-3807	111	17	of	of	ADP
ajfti-3807	111	18	ib	ib	PROPN
ajfti-3807	111	19	services	services	PROPN
ajfti-3807	111	20	.	.	PUNCT
ajfti-3807	112	1	likert	likert	ADJ
ajfti-3807	112	2	five	five	NUM
ajfti-3807	112	3	point	point	NOUN
ajfti-3807	112	4	scales	scale	NOUN
ajfti-3807	112	5	ranging	range	VERB
ajfti-3807	112	6	from	from	ADP
ajfti-3807	112	7	“	"	PUNCT
ajfti-3807	112	8	strongly	strongly	ADV
ajfti-3807	112	9	agree	agree	VERB
ajfti-3807	112	10	”	"	PUNCT
ajfti-3807	112	11	to	to	PART
ajfti-3807	112	12	“	"	PUNCT
ajfti-3807	112	13	strongly	strongly	ADV
ajfti-3807	112	14	disagree	disagree	VERB
ajfti-3807	112	15	”	"	PUNCT
ajfti-3807	112	16	were	be	AUX
ajfti-3807	112	17	used	use	VERB
ajfti-3807	112	18	as	as	ADP
ajfti-3807	112	19	a	a	DET
ajfti-3807	112	20	basis	basis	NOUN
ajfti-3807	112	21	of	of	ADP
ajfti-3807	112	22	questions	question	NOUN
ajfti-3807	112	23	.	.	PUNCT
ajfti-3807	113	1	the	the	DET
ajfti-3807	113	2	scale	scale	NOUN
ajfti-3807	113	3	has	have	AUX
ajfti-3807	113	4	been	be	AUX
ajfti-3807	113	5	used	use	VERB
ajfti-3807	113	6	in	in	ADP
ajfti-3807	113	7	previous	previous	ADJ
ajfti-3807	113	8	tam	tam	NOUN
ajfti-3807	113	9	related	relate	VERB
ajfti-3807	113	10	researches	research	VERB
ajfti-3807	113	11	e.g.	e.g.	ADV
ajfti-3807	113	12	igbaria	igbaria	X
ajfti-3807	113	13	et	et	PROPN
ajfti-3807	113	14	al	al	PROPN
ajfti-3807	113	15	;	;	PUNCT
ajfti-3807	113	16	1995	1995	NUM
ajfti-3807	113	17	;	;	PUNCT
ajfti-3807	113	18	teo	teo	PROPN
ajfti-3807	113	19	et	et	PROPN
ajfti-3807	113	20	al	al	PROPN
ajfti-3807	113	21	;	;	PUNCT
ajfti-3807	113	22	1999	1999	NUM
ajfti-3807	113	23	,	,	PUNCT
ajfti-3807	113	24	tero	tero	PROPN
ajfti-3807	113	25	and	and	CCONJ
ajfti-3807	113	26	kari	kari	PROPN
ajfti-3807	113	27	;	;	PUNCT
ajfti-3807	113	28	2005	2005	NUM
ajfti-3807	113	29	.	.	PUNCT
ajfti-3807	114	1	additionally	additionally	ADV
ajfti-3807	114	2	,	,	PUNCT
ajfti-3807	114	3	the	the	DET
ajfti-3807	114	4	“	"	PUNCT
ajfti-3807	114	5	neutral	neutral	ADJ
ajfti-3807	114	6	”	"	PUNCT
ajfti-3807	114	7	option	option	NOUN
ajfti-3807	114	8	was	be	AUX
ajfti-3807	114	9	allowed	allow	VERB
ajfti-3807	114	10	in	in	ADP
ajfti-3807	114	11	almost	almost	ADV
ajfti-3807	114	12	all	all	PRON
ajfti-3807	114	13	questions	question	NOUN
ajfti-3807	114	14	.	.	PUNCT
ajfti-3807	115	1	the	the	DET
ajfti-3807	115	2	questionnaire	questionnaire	NOUN
ajfti-3807	115	3	was	be	AUX
ajfti-3807	115	4	developed	develop	VERB
ajfti-3807	115	5	and	and	CCONJ
ajfti-3807	115	6	tested	test	VERB
ajfti-3807	115	7	with	with	ADP
ajfti-3807	115	8	a	a	DET
ajfti-3807	115	9	focus	focus	NOUN
ajfti-3807	115	10	group	group	NOUN
ajfti-3807	115	11	consisting	consist	VERB
ajfti-3807	115	12	of	of	ADP
ajfti-3807	115	13	professionals	professional	NOUN
ajfti-3807	115	14	from	from	ADP
ajfti-3807	115	15	sudan	sudan	PROPN
ajfti-3807	115	16	university	university	PROPN
ajfti-3807	115	17	and	and	CCONJ
ajfti-3807	115	18	the	the	DET
ajfti-3807	115	19	banking	banking	NOUN
ajfti-3807	115	20	sector	sector	NOUN
ajfti-3807	115	21	.	.	PUNCT
ajfti-3807	116	1	the	the	DET
ajfti-3807	116	2	focus	focus	NOUN
ajfti-3807	116	3	group	group	NOUN
ajfti-3807	116	4	finally	finally	ADV
ajfti-3807	116	5	verified	verify	VERB
ajfti-3807	116	6	that	that	SCONJ
ajfti-3807	116	7	the	the	DET
ajfti-3807	116	8	hypotheses	hypothesis	NOUN
ajfti-3807	116	9	might	might	AUX
ajfti-3807	116	10	be	be	AUX
ajfti-3807	116	11	an	an	DET
ajfti-3807	116	12	affective	affective	ADJ
ajfti-3807	116	13	factor	factor	NOUN
ajfti-3807	116	14	explaining	explain	VERB
ajfti-3807	116	15	ib	ib	PROPN
ajfti-3807	116	16	acceptance	acceptance	NOUN
ajfti-3807	116	17	.	.	PUNCT
ajfti-3807	117	1	based	base	VERB
ajfti-3807	117	2	on	on	ADP
ajfti-3807	117	3	this	this	DET
ajfti-3807	117	4	information	information	NOUN
ajfti-3807	117	5	the	the	DET
ajfti-3807	117	6	questionnaire	questionnaire	NOUN
ajfti-3807	117	7	was	be	AUX
ajfti-3807	117	8	modified	modify	VERB
ajfti-3807	117	9	and	and	CCONJ
ajfti-3807	117	10	finalized	finalize	VERB
ajfti-3807	117	11	.	.	PUNCT
ajfti-3807	118	1	results	result	NOUN
ajfti-3807	118	2	and	and	CCONJ
ajfti-3807	118	3	discussion	discussion	NOUN
ajfti-3807	118	4	model	model	NOUN
ajfti-3807	118	5	1	1	NUM
ajfti-3807	118	6	table	table	NOUN
ajfti-3807	118	7	1	1	NUM
ajfti-3807	118	8	:	:	PUNCT
ajfti-3807	118	9	model	model	NOUN
ajfti-3807	118	10	summary	summary	NOUN
ajfti-3807	118	11	model	model	NOUN
ajfti-3807	118	12	r	r	PROPN
ajfti-3807	118	13	r	r	NOUN
ajfti-3807	118	14	square	square	ADJ
ajfti-3807	118	15	adjusted	adjust	VERB
ajfti-3807	118	16	r	r	NOUN
ajfti-3807	118	17	square	square	ADJ
ajfti-3807	118	18	std	std	NOUN
ajfti-3807	118	19	.	.	PUNCT
ajfti-3807	119	1	error	error	NOUN
ajfti-3807	119	2	of	of	ADP
ajfti-3807	119	3	the	the	DET
ajfti-3807	119	4	estimate	estimate	NOUN
ajfti-3807	119	5	1	1	NUM
ajfti-3807	119	6	.818a	.818a	PROPN
ajfti-3807	119	7	.670	.670	NUM
ajfti-3807	119	8	.658	.658	NUM
ajfti-3807	120	1	.29312	.29312	PROPN
ajfti-3807	120	2	the	the	DET
ajfti-3807	120	3	model	model	NOUN
ajfti-3807	120	4	,	,	PUNCT
ajfti-3807	120	5	overall	overall	ADV
ajfti-3807	120	6	,	,	PUNCT
ajfti-3807	120	7	is	be	AUX
ajfti-3807	120	8	satisfactory	satisfactory	ADJ
ajfti-3807	120	9	,	,	PUNCT
ajfti-3807	120	10	as	as	ADP
ajfti-3807	120	11	an	an	DET
ajfti-3807	120	12	r²	r²	NOUN
ajfti-3807	120	13	that	that	SCONJ
ajfti-3807	120	14	the	the	DET
ajfti-3807	120	15	model	model	NOUN
ajfti-3807	120	16	could	could	AUX
ajfti-3807	120	17	explain	explain	VERB
ajfti-3807	120	18	about	about	ADP
ajfti-3807	120	19	67	67	NUM
ajfti-3807	120	20	%	%	NOUN
ajfti-3807	120	21	for	for	ADP
ajfti-3807	120	22	actual	actual	ADJ
ajfti-3807	120	23	usage	usage	NOUN
ajfti-3807	120	24	.	.	PUNCT
ajfti-3807	121	1	the	the	DET
ajfti-3807	121	2	unitary	unitary	ADJ
ajfti-3807	121	3	analysis	analysis	NOUN
ajfti-3807	121	4	of	of	ADP
ajfti-3807	121	5	the	the	DET
ajfti-3807	121	6	independent	independent	ADJ
ajfti-3807	121	7	variables	variable	NOUN
ajfti-3807	121	8	that	that	PRON
ajfti-3807	121	9	are	be	AUX
ajfti-3807	121	10	considered	consider	VERB
ajfti-3807	121	11	as	as	ADP
ajfti-3807	121	12	the	the	DET
ajfti-3807	121	13	factors	factor	NOUN
ajfti-3807	121	14	such	such	ADJ
ajfti-3807	121	15	as	as	ADP
ajfti-3807	121	16	the	the	DET
ajfti-3807	121	17	perceivedusefulness	perceivedusefulness	NOUN
ajfti-3807	121	18	,	,	PUNCT
ajfti-3807	121	19	perceived	perceive	VERB
ajfti-3807	121	20	-ease	-ease	NOUN
ajfti-3807	121	21	-	-	PUNCT
ajfti-3807	121	22	ofuse	ofuse	NOUN
ajfti-3807	121	23	,	,	PUNCT
ajfti-3807	121	24	cultural	cultural	ADJ
ajfti-3807	121	25	-	-	PUNCT
ajfti-3807	121	26	factors	factor	NOUN
ajfti-3807	121	27	,	,	PUNCT
ajfti-3807	121	28	trust	trust	NOUN
ajfti-3807	121	29	,	,	PUNCT
ajfti-3807	121	30	and	and	CCONJ
ajfti-3807	121	31	socio	socio	NOUN
ajfti-3807	121	32	-	-	PUNCT
ajfti-3807	121	33	economic	economic	ADJ
ajfti-3807	121	34	factors	factor	NOUN
ajfti-3807	121	35	establish	establish	VERB
ajfti-3807	121	36	the	the	DET
ajfti-3807	121	37	significant	significant	ADJ
ajfti-3807	121	38	relationship	relationship	NOUN
ajfti-3807	121	39	(	(	PUNCT
ajfti-3807	121	40	and	and	CCONJ
ajfti-3807	121	41	pattern	pattern	NOUN
ajfti-3807	121	42	)	)	PUNCT
ajfti-3807	121	43	of	of	ADP
ajfti-3807	121	44	the	the	DET
ajfti-3807	121	45	respondents	respondent	NOUN
ajfti-3807	121	46	’	'	PUNCT
ajfti-3807	121	47	internet	internet	NOUN
ajfti-3807	121	48	banking	banking	NOUN
ajfti-3807	121	49	usage	usage	NOUN
ajfti-3807	121	50	in	in	ADP
ajfti-3807	121	51	sudan	sudan	PROPN
ajfti-3807	121	52	.	.	PUNCT
ajfti-3807	122	1	though	though	SCONJ
ajfti-3807	122	2	the	the	DET
ajfti-3807	122	3	adjusted	adjusted	ADJ
ajfti-3807	122	4	r	r	NOUN
ajfti-3807	122	5	-	-	PUNCT
ajfti-3807	122	6	squared	square	VERB
ajfti-3807	122	7	of	of	ADP
ajfti-3807	122	8	0.658	0.658	NUM
ajfti-3807	122	9	is	be	AUX
ajfti-3807	122	10	a	a	DET
ajfti-3807	122	11	bit	bit	NOUN
ajfti-3807	122	12	lower	low	ADJ
ajfti-3807	122	13	than	than	ADP
ajfti-3807	122	14	the	the	DET
ajfti-3807	122	15	r	r	NOUN
ajfti-3807	122	16	-	-	PUNCT
ajfti-3807	122	17	squared	square	VERB
ajfti-3807	122	18	value	value	NOUN
ajfti-3807	122	19	,	,	PUNCT
ajfti-3807	122	20	it	it	PRON
ajfti-3807	122	21	yet	yet	ADV
ajfti-3807	122	22	demonstrates	demonstrate	VERB
ajfti-3807	122	23	good	good	ADJ
ajfti-3807	122	24	adjustment	adjustment	NOUN
ajfti-3807	122	25	of	of	ADP
ajfti-3807	122	26	the	the	DET
ajfti-3807	122	27	model	model	NOUN
ajfti-3807	122	28	.	.	PUNCT
ajfti-3807	123	1	these	these	DET
ajfti-3807	123	2	adjustment	adjustment	NOUN
ajfti-3807	123	3	values	value	NOUN
ajfti-3807	123	4	consider	consider	VERB
ajfti-3807	123	5	the	the	DET
ajfti-3807	123	6	number	number	NOUN
ajfti-3807	123	7	of	of	ADP
ajfti-3807	123	8	any	any	DET
ajfti-3807	123	9	predictor	predictor	NOUN
ajfti-3807	123	10	variables	variable	NOUN
ajfti-3807	123	11	in	in	ADP
ajfti-3807	123	12	the	the	DET
ajfti-3807	123	13	model	model	NOUN
ajfti-3807	123	14	and	and	CCONJ
ajfti-3807	123	15	render	render	VERB
ajfti-3807	123	16	a	a	DET
ajfti-3807	123	17	more	more	ADV
ajfti-3807	123	18	cautious	cautious	ADJ
ajfti-3807	123	19	estimate	estimate	NOUN
ajfti-3807	123	20	for	for	ADP
ajfti-3807	123	21	how	how	SCONJ
ajfti-3807	123	22	much	much	ADJ
ajfti-3807	123	23	the	the	DET
ajfti-3807	123	24	model	model	NOUN
ajfti-3807	123	25	explains	explain	VERB
ajfti-3807	123	26	considering	consider	VERB
ajfti-3807	123	27	it	it	PRON
ajfti-3807	123	28	is	be	AUX
ajfti-3807	123	29	possible	possible	ADJ
ajfti-3807	123	30	that	that	SCONJ
ajfti-3807	123	31	the	the	DET
ajfti-3807	123	32	model	model	NOUN
ajfti-3807	123	33	will	will	AUX
ajfti-3807	123	34	have	have	VERB
ajfti-3807	123	35	the	the	DET
ajfti-3807	123	36	said	say	VERB
ajfti-3807	123	37	problems	problem	NOUN
ajfti-3807	123	38	of	of	ADP
ajfti-3807	123	39	an	an	DET
ajfti-3807	123	40	overfit	overfit	NOUN
ajfti-3807	123	41	.	.	PUNCT
ajfti-3807	124	1	the	the	DET
ajfti-3807	124	2	standard	standard	ADJ
ajfti-3807	124	3	effect	effect	NOUN
ajfti-3807	124	4	of	of	ADP
ajfti-3807	124	5	the	the	DET
ajfti-3807	124	6	estimate	estimate	NOUN
ajfti-3807	124	7	(	(	PUNCT
ajfti-3807	124	8	este	este	NOUN
ajfti-3807	124	9	in	in	ADP
ajfti-3807	124	10	short	short	ADJ
ajfti-3807	124	11	)	)	PUNCT
ajfti-3807	124	12	,	,	PUNCT
ajfti-3807	124	13	which	which	PRON
ajfti-3807	124	14	shows	show	VERB
ajfti-3807	124	15	the	the	DET
ajfti-3807	124	16	average	average	ADJ
ajfti-3807	124	17	variation	variation	NOUN
ajfti-3807	124	18	that	that	PRON
ajfti-3807	124	19	the	the	DET
ajfti-3807	124	20	observed	observed	ADJ
ajfti-3807	124	21	values	value	NOUN
ajfti-3807	124	22	have	have	VERB
ajfti-3807	124	23	from	from	ADP
ajfti-3807	124	24	the	the	DET
ajfti-3807	124	25	regression	regression	NOUN
ajfti-3807	124	26	line	line	NOUN
ajfti-3807	124	27	,	,	PUNCT
ajfti-3807	124	28	is	be	AUX
ajfti-3807	124	29	below	below	ADP
ajfti-3807	124	30	0.29312	0.29312	NUM
ajfti-3807	124	31	.	.	PUNCT
ajfti-3807	125	1	this	this	PRON
ajfti-3807	125	2	implies	imply	VERB
ajfti-3807	125	3	that	that	SCONJ
ajfti-3807	125	4	the	the	DET
ajfti-3807	125	5	model	model	NOUN
ajfti-3807	125	6	’s	’s	PART
ajfti-3807	125	7	accuracy	accuracy	NOUN
ajfti-3807	125	8	in	in	ADP
ajfti-3807	125	9	forecasting	forecast	VERB
ajfti-3807	125	10	actual	actual	ADJ
ajfti-3807	125	11	usage	usage	NOUN
ajfti-3807	125	12	is	be	AUX
ajfti-3807	125	13	on	on	ADP
ajfti-3807	125	14	average	average	ADJ
ajfti-3807	125	15	relatively	relatively	ADV
ajfti-3807	125	16	so	so	ADV
ajfti-3807	125	17	close	close	ADJ
ajfti-3807	125	18	to	to	ADP
ajfti-3807	125	19	the	the	DET
ajfti-3807	125	20	field	field	NOUN
ajfti-3807	125	21	values	value	NOUN
ajfti-3807	125	22	.	.	PUNCT
ajfti-3807	126	1	table	table	NOUN
ajfti-3807	126	2	2	2	NUM
ajfti-3807	126	3	:	:	PUNCT
ajfti-3807	126	4	anova	anova	PROPN
ajfti-3807	126	5	model	model	PROPN
ajfti-3807	126	6	sum	sum	NOUN
ajfti-3807	126	7	of	of	ADP
ajfti-3807	126	8	squares	square	NOUN
ajfti-3807	126	9	df	df	PROPN
ajfti-3807	126	10	mean	mean	PROPN
ajfti-3807	126	11	square	square	PROPN
ajfti-3807	126	12	f	f	PROPN
ajfti-3807	126	13	sig	sig	PROPN
ajfti-3807	126	14	.	.	PROPN
ajfti-3807	126	15	1	1	NUM
ajfti-3807	126	16	regression	regression	VERB
ajfti-3807	126	17	19.875	19.875	NUM
ajfti-3807	126	18	4	4	NUM
ajfti-3807	126	19	4.969	4.969	NUM
ajfti-3807	126	20	57.829	57.829	NUM
ajfti-3807	126	21	.000b	.000b	PROPN
ajfti-3807	126	22	residual	residual	ADJ
ajfti-3807	126	23	9.795	9.795	NUM
ajfti-3807	126	24	114	114	NUM
ajfti-3807	126	25	.086	.086	NUM
ajfti-3807	126	26	total	total	NOUN
ajfti-3807	126	27	29.670	29.670	NUM
ajfti-3807	126	28	118	118	NUM
ajfti-3807	126	29	anova	anova	PROPN
ajfti-3807	126	30	table	table	NOUN
ajfti-3807	126	31	is	be	AUX
ajfti-3807	126	32	the	the	DET
ajfti-3807	126	33	ground	ground	NOUN
ajfti-3807	126	34	zero	zero	NUM
ajfti-3807	126	35	of	of	ADP
ajfti-3807	126	36	all	all	DET
ajfti-3807	126	37	the	the	DET
ajfti-3807	126	38	results	result	NOUN
ajfti-3807	126	39	and	and	CCONJ
ajfti-3807	126	40	confirming	confirm	VERB
ajfti-3807	126	41	the	the	DET
ajfti-3807	126	42	overall	overall	ADJ
ajfti-3807	126	43	significance	significance	NOUN
ajfti-3807	126	44	of	of	ADP
ajfti-3807	126	45	the	the	DET
ajfti-3807	126	46	modeling	modeling	NOUN
ajfti-3807	126	47	of	of	ADP
ajfti-3807	126	48	variance	variance	NOUN
ajfti-3807	126	49	in	in	ADP
ajfti-3807	126	50	the	the	DET
ajfti-3807	126	51	actual	actual	ADJ
ajfti-3807	126	52	usage	usage	NOUN
ajfti-3807	126	53	of	of	ADP
ajfti-3807	126	54	internet	internet	NOUN
ajfti-3807	126	55	banking	banking	NOUN
ajfti-3807	126	56	services	service	NOUN
ajfti-3807	126	57	among	among	ADP
ajfti-3807	126	58	respondents	respondent	NOUN
ajfti-3807	126	59	in	in	ADP
ajfti-3807	126	60	sudan	sudan	PROPN
ajfti-3807	126	61	.	.	PUNCT
ajfti-3807	127	1	the	the	DET
ajfti-3807	127	2	model	model	NOUN
ajfti-3807	127	3	is	be	AUX
ajfti-3807	127	4	highly	highly	ADV
ajfti-3807	127	5	significant	significant	ADJ
ajfti-3807	127	6	as	as	SCONJ
ajfti-3807	127	7	is	be	AUX
ajfti-3807	127	8	seen	see	VERB
ajfti-3807	127	9	from	from	ADP
ajfti-3807	127	10	the	the	DET
ajfti-3807	127	11	f	f	PROPN
ajfti-3807	127	12	-	-	PUNCT
ajfti-3807	127	13	statistics	statistic	NOUN
ajfti-3807	127	14	of	of	ADP
ajfti-3807	127	15	57.829	57.829	NUM
ajfti-3807	127	16	which	which	PRON
ajfti-3807	127	17	equals	equal	VERB
ajfti-3807	127	18	0.000	0.000	NUM
ajfti-3807	127	19	,	,	PUNCT
ajfti-3807	127	20	denoted	denote	VERB
ajfti-3807	127	21	as	as	ADP
ajfti-3807	127	22	“	"	PUNCT
ajfti-3807	127	23	sig	sig	NOUN
ajfti-3807	127	24	.	.	PUNCT
ajfti-3807	127	25	”	"	PUNCT
ajfti-3807	128	1	this	this	PRON
ajfti-3807	128	2	shows	show	VERB
ajfti-3807	128	3	that	that	SCONJ
ajfti-3807	128	4	the	the	DET
ajfti-3807	128	5	model	model	NOUN
ajfti-3807	128	6	provides	provide	VERB
ajfti-3807	128	7	much	much	ADV
ajfti-3807	128	8	better	well	ADJ
ajfti-3807	128	9	prediction	prediction	NOUN
ajfti-3807	128	10	than	than	ADP
ajfti-3807	128	11	the	the	DET
ajfti-3807	128	12	null	null	ADJ
ajfti-3807	128	13	model	model	NOUN
ajfti-3807	128	14	that	that	PRON
ajfti-3807	128	15	just	just	ADV
ajfti-3807	128	16	picks	pick	VERB
ajfti-3807	128	17	data	datum	NOUN
ajfti-3807	128	18	randomly	randomly	ADV
ajfti-3807	128	19	.	.	PUNCT
ajfti-3807	129	1	the	the	DET
ajfti-3807	129	2	total	total	ADJ
ajfti-3807	129	3	sum	sum	NOUN
ajfti-3807	129	4	of	of	ADP
ajfti-3807	129	5	squares	square	NOUN
ajfti-3807	129	6	for	for	ADP
ajfti-3807	129	7	this	this	DET
ajfti-3807	129	8	regression	regression	NOUN
ajfti-3807	129	9	model	model	NOUN
ajfti-3807	129	10	amounts	amount	VERB
ajfti-3807	129	11	to	to	ADP
ajfti-3807	129	12	19.875	19.875	NUM
ajfti-3807	129	13	,	,	PUNCT
ajfti-3807	129	14	it	it	PRON
ajfti-3807	129	15	corresponds	correspond	VERB
ajfti-3807	129	16	to	to	ADP
ajfti-3807	129	17	the	the	DET
ajfti-3807	129	18	variation	variation	NOUN
ajfti-3807	129	19	of	of	ADP
ajfti-3807	129	20	actual	actual	ADJ
ajfti-3807	129	21	usage	usage	NOUN
ajfti-3807	129	22	which	which	PRON
ajfti-3807	129	23	is	be	AUX
ajfti-3807	129	24	attributable	attributable	ADJ
ajfti-3807	129	25	to	to	ADP
ajfti-3807	129	26	any	any	DET
ajfti-3807	129	27	independent	independent	ADJ
ajfti-3807	129	28	variables	variable	NOUN
ajfti-3807	129	29	that	that	PRON
ajfti-3807	129	30	are	be	AUX
ajfti-3807	129	31	incorporated	incorporate	VERB
ajfti-3807	129	32	in	in	ADP
ajfti-3807	129	33	this	this	DET
ajfti-3807	129	34	model	model	NOUN
ajfti-3807	129	35	.	.	PUNCT
ajfti-3807	130	1	having	have	VERB
ajfti-3807	130	2	4	4	NUM
ajfti-3807	130	3	of	of	ADP
ajfti-3807	130	4	the	the	DET
ajfti-3807	130	5	total	total	ADJ
ajfti-3807	130	6	degrees	degree	NOUN
ajfti-3807	130	7	of	of	ADP
ajfti-3807	130	8	value	value	NOUN
ajfti-3807	130	9	points	point	NOUN
ajfti-3807	130	10	,	,	PUNCT
ajfti-3807	130	11	while	while	SCONJ
ajfti-3807	130	12	an	an	DET
ajfti-3807	130	13	average	average	ADJ
ajfti-3807	130	14	mean	mean	NOUN
ajfti-3807	130	15	value	value	NOUN
ajfti-3807	130	16	of	of	ADP
ajfti-3807	130	17	4.969	4.969	NUM
ajfti-3807	130	18	denotes	denote	NOUN
ajfti-3807	130	19	the	the	DET
ajfti-3807	130	20	variance	variance	NOUN
ajfti-3807	130	21	breakdown	breakdown	NOUN
ajfti-3807	130	22	by	by	ADP
ajfti-3807	130	23	each	each	DET
ajfti-3807	130	24	dimension	dimension	NOUN
ajfti-3807	130	25	vector	vector	NOUN
ajfti-3807	130	26	.	.	PUNCT
ajfti-3807	131	1	on	on	ADP
ajfti-3807	131	2	the	the	DET
ajfti-3807	131	3	contrary	contrary	NOUN
ajfti-3807	131	4	,	,	PUNCT
ajfti-3807	131	5	total	total	ADJ
ajfti-3807	131	6	sum	sum	NOUN
ajfti-3807	131	7	of	of	ADP
ajfti-3807	131	8	squares	square	NOUN
ajfti-3807	131	9	(	(	PUNCT
ajfti-3807	131	10	unexplained	unexplained	ADJ
ajfti-3807	131	11	variance	variance	NOUN
ajfti-3807	131	12	)	)	PUNCT
ajfti-3807	131	13	equals	equal	VERB
ajfti-3807	131	14	9.795	9.795	NUM
ajfti-3807	131	15	with	with	ADP
ajfti-3807	131	16	several	several	ADJ
ajfti-3807	131	17	114	114	NUM
ajfti-3807	131	18	degrees	degree	NOUN
ajfti-3807	131	19	of	of	ADP
ajfti-3807	131	20	freedom	freedom	NOUN
ajfti-3807	131	21	as	as	ADV
ajfti-3807	131	22	well	well	ADV
ajfti-3807	131	23	.	.	PUNCT
ajfti-3807	132	1	in	in	ADP
ajfti-3807	132	2	other	other	ADJ
ajfti-3807	132	3	words	word	NOUN
ajfti-3807	132	4	,	,	PUNCT
ajfti-3807	132	5	the	the	DET
ajfti-3807	132	6	proportion	proportion	NOUN
ajfti-3807	132	7	of	of	ADP
ajfti-3807	132	8	actual	actual	ADJ
ajfti-3807	132	9	usage	usage	NOUN
ajfti-3807	132	10	not	not	PART
ajfti-3807	132	11	explained	explain	VERB
ajfti-3807	132	12	by	by	ADP
ajfti-3807	132	13	the	the	DET
ajfti-3807	132	14	model	model	NOUN
ajfti-3807	132	15	’s	’s	PART
ajfti-3807	132	16	independent	independent	ADJ
ajfti-3807	132	17	variables	variable	NOUN
ajfti-3807	132	18	is	be	AUX
ajfti-3807	132	19	conveyed	convey	VERB
ajfti-3807	132	20	by	by	ADP
ajfti-3807	132	21	this	this	DET
ajfti-3807	132	22	figure	figure	NOUN
ajfti-3807	132	23	.	.	PUNCT
ajfti-3807	133	1	table	table	NOUN
ajfti-3807	133	2	3	3	NUM
ajfti-3807	133	3	:	:	PUNCT
ajfti-3807	133	4	coefficients	coefficient	NOUN
ajfti-3807	133	5	model	model	VERB
ajfti-3807	133	6	unstandardized	unstandardized	ADJ
ajfti-3807	133	7	coefficients	coefficient	NOUN
ajfti-3807	133	8	standardized	standardize	VERB
ajfti-3807	133	9	coefficients	coefficient	NOUN
ajfti-3807	133	10	t	t	PROPN
ajfti-3807	133	11	sig	sig	PROPN
ajfti-3807	133	12	.	.	PUNCT
ajfti-3807	134	1	b	b	X
ajfti-3807	134	2	std	std	PROPN
ajfti-3807	134	3	.	.	NOUN
ajfti-3807	134	4	error	error	NOUN
ajfti-3807	134	5	beta	beta	NOUN
ajfti-3807	134	6	1	1	NUM
ajfti-3807	134	7	(	(	PUNCT
ajfti-3807	134	8	constant	constant	ADJ
ajfti-3807	134	9	)	)	PUNCT
ajfti-3807	134	10	2.010	2.010	NUM
ajfti-3807	134	11	.488	.488	NUM
ajfti-3807	134	12	4.120	4.120	NUM
ajfti-3807	134	13	.000	.000	NUM
ajfti-3807	135	1	pa	pa	PROPN
ajfti-3807	135	2	ge	ge	PROPN
ajfti-3807	135	3	27	27	NUM
ajfti-3807	135	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3807	135	5	am	be	AUX
ajfti-3807	135	6	.	.	PUNCT
ajfti-3807	136	1	j.	j.	PROPN
ajfti-3807	136	2	financ	financ	PROPN
ajfti-3807	136	3	.	.	PUNCT
ajfti-3807	137	1	technol	technol	PROPN
ajfti-3807	137	2	.	.	PUNCT
ajfti-3807	137	3	innov	innov	PROPN
ajfti-3807	137	4	.	.	PUNCT
ajfti-3807	138	1	3(1	3(1	NUM
ajfti-3807	138	2	)	)	PUNCT
ajfti-3807	138	3	23	23	NUM
ajfti-3807	138	4	-	-	SYM
ajfti-3807	138	5	31	31	NUM
ajfti-3807	138	6	,	,	PUNCT
ajfti-3807	138	7	2025	2025	NUM
ajfti-3807	138	8	the	the	DET
ajfti-3807	138	9	coefficients	coefficient	NOUN
ajfti-3807	138	10	table	table	NOUN
ajfti-3807	138	11	presents	present	VERB
ajfti-3807	138	12	the	the	DET
ajfti-3807	138	13	estimated	estimated	ADJ
ajfti-3807	138	14	regression	regression	NOUN
ajfti-3807	138	15	coefficients	coefficient	NOUN
ajfti-3807	138	16	for	for	ADP
ajfti-3807	138	17	the	the	DET
ajfti-3807	138	18	independent	independent	ADJ
ajfti-3807	138	19	variables	variable	NOUN
ajfti-3807	138	20	included	include	VERB
ajfti-3807	138	21	in	in	ADP
ajfti-3807	138	22	the	the	DET
ajfti-3807	138	23	model	model	NOUN
ajfti-3807	138	24	,	,	PUNCT
ajfti-3807	138	25	along	along	ADP
ajfti-3807	138	26	with	with	ADP
ajfti-3807	138	27	their	their	PRON
ajfti-3807	138	28	standard	standard	ADJ
ajfti-3807	138	29	errors	error	NOUN
ajfti-3807	138	30	,	,	PUNCT
ajfti-3807	138	31	standardized	standardized	ADJ
ajfti-3807	138	32	coefficients	coefficient	NOUN
ajfti-3807	138	33	(	(	PUNCT
ajfti-3807	138	34	beta	beta	NOUN
ajfti-3807	138	35	)	)	PUNCT
ajfti-3807	138	36	,	,	PUNCT
ajfti-3807	138	37	t	t	PROPN
ajfti-3807	138	38	-	-	PUNCT
ajfti-3807	138	39	values	value	NOUN
ajfti-3807	138	40	,	,	PUNCT
ajfti-3807	138	41	and	and	CCONJ
ajfti-3807	138	42	associated	associated	ADJ
ajfti-3807	138	43	significance	significance	NOUN
ajfti-3807	138	44	levels	level	NOUN
ajfti-3807	138	45	(	(	PUNCT
ajfti-3807	138	46	p	p	NOUN
ajfti-3807	138	47	-	-	PUNCT
ajfti-3807	138	48	values	value	NOUN
ajfti-3807	138	49	)	)	PUNCT
ajfti-3807	138	50	.	.	PUNCT
ajfti-3807	139	1	the	the	DET
ajfti-3807	139	2	constant	constant	ADJ
ajfti-3807	139	3	term	term	NOUN
ajfti-3807	139	4	(	(	PUNCT
ajfti-3807	139	5	constant	constant	ADJ
ajfti-3807	139	6	)	)	PUNCT
ajfti-3807	139	7	indicates	indicate	VERB
ajfti-3807	139	8	the	the	DET
ajfti-3807	139	9	expected	expect	VERB
ajfti-3807	139	10	value	value	NOUN
ajfti-3807	139	11	of	of	ADP
ajfti-3807	139	12	the	the	DET
ajfti-3807	139	13	dependent	dependent	ADJ
ajfti-3807	139	14	variable	variable	NOUN
ajfti-3807	139	15	when	when	SCONJ
ajfti-3807	139	16	all	all	DET
ajfti-3807	139	17	independent	independent	ADJ
ajfti-3807	139	18	variables	variable	NOUN
ajfti-3807	139	19	are	be	AUX
ajfti-3807	139	20	zero	zero	NUM
ajfti-3807	139	21	.	.	PUNCT
ajfti-3807	140	1	in	in	ADP
ajfti-3807	140	2	this	this	DET
ajfti-3807	140	3	case	case	NOUN
ajfti-3807	140	4	,	,	PUNCT
ajfti-3807	140	5	the	the	DET
ajfti-3807	140	6	constant	constant	ADJ
ajfti-3807	140	7	term	term	NOUN
ajfti-3807	140	8	is	be	AUX
ajfti-3807	140	9	2.010	2.010	NUM
ajfti-3807	140	10	,	,	PUNCT
ajfti-3807	140	11	with	with	ADP
ajfti-3807	140	12	a	a	DET
ajfti-3807	140	13	standard	standard	ADJ
ajfti-3807	140	14	error	error	NOUN
ajfti-3807	140	15	of	of	ADP
ajfti-3807	140	16	.488	.488	NUM
ajfti-3807	140	17	and	and	CCONJ
ajfti-3807	140	18	a	a	DET
ajfti-3807	140	19	significant	significant	ADJ
ajfti-3807	140	20	t	t	NOUN
ajfti-3807	140	21	-	-	PUNCT
ajfti-3807	140	22	value	value	NOUN
ajfti-3807	140	23	of	of	ADP
ajfti-3807	140	24	4.120	4.120	NUM
ajfti-3807	140	25	(	(	PUNCT
ajfti-3807	140	26	p	p	X
ajfti-3807	140	27	<	<	X
ajfti-3807	140	28	.001	.001	NUM
ajfti-3807	140	29	)	)	PUNCT
ajfti-3807	140	30	,	,	PUNCT
ajfti-3807	140	31	suggesting	suggest	VERB
ajfti-3807	140	32	that	that	SCONJ
ajfti-3807	140	33	it	it	PRON
ajfti-3807	140	34	significantly	significantly	ADV
ajfti-3807	140	35	contributes	contribute	VERB
ajfti-3807	140	36	to	to	ADP
ajfti-3807	140	37	the	the	DET
ajfti-3807	140	38	model	model	NOUN
ajfti-3807	140	39	.	.	PUNCT
ajfti-3807	141	1	perceived	perceive	VERB
ajfti-3807	141	2	usefulness	usefulness	NOUN
ajfti-3807	141	3	(	(	PUNCT
ajfti-3807	141	4	usefulness	usefulness	NOUN
ajfti-3807	141	5	)	)	PUNCT
ajfti-3807	141	6	has	have	VERB
ajfti-3807	141	7	an	an	DET
ajfti-3807	141	8	unstandardized	unstandardized	ADJ
ajfti-3807	141	9	coefficient	coefficient	NOUN
ajfti-3807	141	10	(	(	PUNCT
ajfti-3807	141	11	b	b	NOUN
ajfti-3807	141	12	)	)	PUNCT
ajfti-3807	141	13	of	of	ADP
ajfti-3807	141	14	.188	.188	NUM
ajfti-3807	141	15	,	,	PUNCT
ajfti-3807	141	16	indicating	indicate	VERB
ajfti-3807	141	17	that	that	SCONJ
ajfti-3807	141	18	for	for	ADP
ajfti-3807	141	19	every	every	DET
ajfti-3807	141	20	one	one	NUM
ajfti-3807	141	21	-	-	PUNCT
ajfti-3807	141	22	unit	unit	NOUN
ajfti-3807	141	23	increase	increase	NOUN
ajfti-3807	141	24	in	in	ADP
ajfti-3807	141	25	perceived	perceive	VERB
ajfti-3807	141	26	usefulness	usefulness	NOUN
ajfti-3807	141	27	,	,	PUNCT
ajfti-3807	141	28	there	there	PRON
ajfti-3807	141	29	is	be	VERB
ajfti-3807	141	30	a	a	DET
ajfti-3807	141	31	corresponding	corresponding	ADJ
ajfti-3807	141	32	increase	increase	NOUN
ajfti-3807	141	33	of	of	ADP
ajfti-3807	141	34	.188	.188	NUM
ajfti-3807	141	35	units	unit	NOUN
ajfti-3807	141	36	in	in	ADP
ajfti-3807	141	37	actual	actual	ADJ
ajfti-3807	141	38	usage	usage	NOUN
ajfti-3807	141	39	of	of	ADP
ajfti-3807	141	40	internet	internet	NOUN
ajfti-3807	141	41	banking	banking	NOUN
ajfti-3807	141	42	.	.	PUNCT
ajfti-3807	142	1	the	the	DET
ajfti-3807	142	2	standardized	standardized	ADJ
ajfti-3807	142	3	coefficient	coefficient	NOUN
ajfti-3807	142	4	(	(	PUNCT
ajfti-3807	142	5	beta	beta	NOUN
ajfti-3807	142	6	)	)	PUNCT
ajfti-3807	142	7	is	be	AUX
ajfti-3807	142	8	.156	.156	NUM
ajfti-3807	142	9	,	,	PUNCT
ajfti-3807	142	10	suggesting	suggest	VERB
ajfti-3807	142	11	a	a	DET
ajfti-3807	142	12	moderate	moderate	ADJ
ajfti-3807	142	13	positive	positive	ADJ
ajfti-3807	142	14	effect	effect	NOUN
ajfti-3807	142	15	on	on	ADP
ajfti-3807	142	16	actual	actual	ADJ
ajfti-3807	142	17	usage	usage	NOUN
ajfti-3807	142	18	.	.	PUNCT
ajfti-3807	143	1	the	the	DET
ajfti-3807	143	2	associated	associated	PROPN
ajfti-3807	143	3	t	t	PROPN
ajfti-3807	143	4	-	-	PUNCT
ajfti-3807	143	5	value	value	NOUN
ajfti-3807	143	6	is	be	AUX
ajfti-3807	143	7	2.109	2.109	NUM
ajfti-3807	143	8	(	(	PUNCT
ajfti-3807	143	9	p	p	NOUN
ajfti-3807	143	10	=	=	NOUN
ajfti-3807	143	11	.037	.037	NUM
ajfti-3807	143	12	)	)	PUNCT
ajfti-3807	143	13	,	,	PUNCT
ajfti-3807	143	14	indicating	indicate	VERB
ajfti-3807	143	15	that	that	SCONJ
ajfti-3807	143	16	perceived	perceive	VERB
ajfti-3807	143	17	usefulness	usefulness	NOUN
ajfti-3807	143	18	is	be	AUX
ajfti-3807	143	19	statistically	statistically	ADV
ajfti-3807	143	20	significant	significant	ADJ
ajfti-3807	143	21	in	in	ADP
ajfti-3807	143	22	predicting	predict	VERB
ajfti-3807	143	23	actual	actual	ADJ
ajfti-3807	143	24	usage	usage	NOUN
ajfti-3807	143	25	.	.	PUNCT
ajfti-3807	144	1	perceived	perceive	VERB
ajfti-3807	144	2	ease	ease	NOUN
ajfti-3807	144	3	of	of	ADP
ajfti-3807	144	4	use	use	NOUN
ajfti-3807	144	5	(	(	PUNCT
ajfti-3807	144	6	perceived	perceive	VERB
ajfti-3807	144	7	ease	ease	NOUN
ajfti-3807	144	8	)	)	PUNCT
ajfti-3807	144	9	has	have	VERB
ajfti-3807	144	10	an	an	DET
ajfti-3807	144	11	unstandardized	unstandardized	ADJ
ajfti-3807	144	12	coefficient	coefficient	NOUN
ajfti-3807	144	13	of	of	ADP
ajfti-3807	144	14	-.198	-.198	PROPN
ajfti-3807	144	15	,	,	PUNCT
ajfti-3807	144	16	indicating	indicate	VERB
ajfti-3807	144	17	that	that	SCONJ
ajfti-3807	144	18	for	for	ADP
ajfti-3807	144	19	every	every	DET
ajfti-3807	144	20	one	one	NUM
ajfti-3807	144	21	-	-	PUNCT
ajfti-3807	144	22	unit	unit	NOUN
ajfti-3807	144	23	increase	increase	NOUN
ajfti-3807	144	24	in	in	ADP
ajfti-3807	144	25	perceived	perceive	VERB
ajfti-3807	144	26	ease	ease	NOUN
ajfti-3807	144	27	of	of	ADP
ajfti-3807	144	28	use	use	NOUN
ajfti-3807	144	29	,	,	PUNCT
ajfti-3807	144	30	there	there	PRON
ajfti-3807	144	31	is	be	VERB
ajfti-3807	144	32	a	a	DET
ajfti-3807	144	33	corresponding	corresponding	ADJ
ajfti-3807	144	34	decrease	decrease	NOUN
ajfti-3807	144	35	of	of	ADP
ajfti-3807	144	36	.198	.198	NUM
ajfti-3807	144	37	units	unit	NOUN
ajfti-3807	144	38	in	in	ADP
ajfti-3807	144	39	actual	actual	ADJ
ajfti-3807	144	40	usage	usage	NOUN
ajfti-3807	144	41	.	.	PUNCT
ajfti-3807	145	1	the	the	DET
ajfti-3807	145	2	standardized	standardized	ADJ
ajfti-3807	145	3	coefficient	coefficient	NOUN
ajfti-3807	145	4	(	(	PUNCT
ajfti-3807	145	5	beta	beta	NOUN
ajfti-3807	145	6	)	)	PUNCT
ajfti-3807	145	7	is	be	AUX
ajfti-3807	145	8	-.197	-.197	PROPN
ajfti-3807	145	9	,	,	PUNCT
ajfti-3807	145	10	suggesting	suggest	VERB
ajfti-3807	145	11	a	a	DET
ajfti-3807	145	12	moderate	moderate	ADJ
ajfti-3807	145	13	negative	negative	ADJ
ajfti-3807	145	14	effect	effect	NOUN
ajfti-3807	145	15	on	on	ADP
ajfti-3807	145	16	actual	actual	ADJ
ajfti-3807	145	17	usage	usage	NOUN
ajfti-3807	145	18	.	.	PUNCT
ajfti-3807	146	1	the	the	DET
ajfti-3807	146	2	associated	associated	PROPN
ajfti-3807	146	3	t	t	PROPN
ajfti-3807	146	4	-	-	PUNCT
ajfti-3807	146	5	value	value	NOUN
ajfti-3807	146	6	is	be	AUX
ajfti-3807	146	7	-3.219	-3.219	PUNCT
ajfti-3807	146	8	(	(	PUNCT
ajfti-3807	146	9	p	p	X
ajfti-3807	146	10	=	=	NOUN
ajfti-3807	146	11	.002	.002	NUM
ajfti-3807	146	12	)	)	PUNCT
ajfti-3807	146	13	,	,	PUNCT
ajfti-3807	146	14	indicating	indicate	VERB
ajfti-3807	146	15	that	that	SCONJ
ajfti-3807	146	16	perceived	perceive	VERB
ajfti-3807	146	17	ease	ease	NOUN
ajfti-3807	146	18	of	of	ADP
ajfti-3807	146	19	use	use	NOUN
ajfti-3807	146	20	is	be	AUX
ajfti-3807	146	21	statistically	statistically	ADV
ajfti-3807	146	22	significant	significant	ADJ
ajfti-3807	146	23	in	in	ADP
ajfti-3807	146	24	predicting	predict	VERB
ajfti-3807	146	25	actual	actual	ADJ
ajfti-3807	146	26	usage	usage	NOUN
ajfti-3807	146	27	.	.	PUNCT
ajfti-3807	147	1	trust	trust	NOUN
ajfti-3807	147	2	has	have	VERB
ajfti-3807	147	3	an	an	DET
ajfti-3807	147	4	unstandardized	unstandardized	ADJ
ajfti-3807	147	5	coefficient	coefficient	NOUN
ajfti-3807	147	6	of	of	ADP
ajfti-3807	147	7	.132	.132	NUM
ajfti-3807	147	8	,	,	PUNCT
ajfti-3807	147	9	with	with	ADP
ajfti-3807	147	10	a	a	DET
ajfti-3807	147	11	standardized	standardized	ADJ
ajfti-3807	147	12	coefficient	coefficient	NOUN
ajfti-3807	147	13	(	(	PUNCT
ajfti-3807	147	14	beta	beta	NOUN
ajfti-3807	147	15	)	)	PUNCT
ajfti-3807	147	16	of	of	ADP
ajfti-3807	147	17	.100	.100	NUM
ajfti-3807	147	18	.	.	PUNCT
ajfti-3807	148	1	although	although	SCONJ
ajfti-3807	148	2	the	the	DET
ajfti-3807	148	3	standardized	standardized	ADJ
ajfti-3807	148	4	coefficient	coefficient	NOUN
ajfti-3807	148	5	suggests	suggest	VERB
ajfti-3807	148	6	a	a	DET
ajfti-3807	148	7	positive	positive	ADJ
ajfti-3807	148	8	effect	effect	NOUN
ajfti-3807	148	9	on	on	ADP
ajfti-3807	148	10	actual	actual	ADJ
ajfti-3807	148	11	usage	usage	NOUN
ajfti-3807	148	12	,	,	PUNCT
ajfti-3807	148	13	the	the	DET
ajfti-3807	148	14	associated	associated	ADJ
ajfti-3807	148	15	t	t	PROPN
ajfti-3807	148	16	-	-	PUNCT
ajfti-3807	148	17	value	value	NOUN
ajfti-3807	148	18	is	be	AUX
ajfti-3807	148	19	1.679	1.679	NUM
ajfti-3807	148	20	(	(	PUNCT
ajfti-3807	148	21	p	p	NOUN
ajfti-3807	148	22	=	=	NOUN
ajfti-3807	148	23	.096	.096	NUM
ajfti-3807	148	24	)	)	PUNCT
ajfti-3807	148	25	,	,	PUNCT
ajfti-3807	148	26	which	which	PRON
ajfti-3807	148	27	is	be	AUX
ajfti-3807	148	28	not	not	PART
ajfti-3807	148	29	statistically	statistically	ADV
ajfti-3807	148	30	significant	significant	ADJ
ajfti-3807	148	31	at	at	ADP
ajfti-3807	148	32	conventional	conventional	ADJ
ajfti-3807	148	33	levels	level	NOUN
ajfti-3807	148	34	(	(	PUNCT
ajfti-3807	148	35	p	p	X
ajfti-3807	148	36	<	<	X
ajfti-3807	148	37	.05	.05	NUM
ajfti-3807	148	38	)	)	PUNCT
ajfti-3807	148	39	.	.	PUNCT
ajfti-3807	149	1	cultural	cultural	ADJ
ajfti-3807	149	2	factors	factor	NOUN
ajfti-3807	149	3	have	have	VERB
ajfti-3807	149	4	an	an	DET
ajfti-3807	149	5	unstandardized	unstandardized	ADJ
ajfti-3807	149	6	coefficient	coefficient	NOUN
ajfti-3807	149	7	of	of	ADP
ajfti-3807	149	8	.490	.490	NUM
ajfti-3807	149	9	,	,	PUNCT
ajfti-3807	149	10	with	with	ADP
ajfti-3807	149	11	a	a	DET
ajfti-3807	149	12	standardized	standardized	ADJ
ajfti-3807	149	13	coefficient	coefficient	NOUN
ajfti-3807	149	14	(	(	PUNCT
ajfti-3807	149	15	beta	beta	NOUN
ajfti-3807	149	16	)	)	PUNCT
ajfti-3807	149	17	of	of	ADP
ajfti-3807	149	18	.781	.781	NUM
ajfti-3807	149	19	.	.	PUNCT
ajfti-3807	150	1	this	this	PRON
ajfti-3807	150	2	indicates	indicate	VERB
ajfti-3807	150	3	a	a	DET
ajfti-3807	150	4	strong	strong	ADJ
ajfti-3807	150	5	positive	positive	ADJ
ajfti-3807	150	6	effect	effect	NOUN
ajfti-3807	150	7	of	of	ADP
ajfti-3807	150	8	cultural	cultural	ADJ
ajfti-3807	150	9	factors	factor	NOUN
ajfti-3807	150	10	on	on	ADP
ajfti-3807	150	11	actual	actual	ADJ
ajfti-3807	150	12	usage	usage	NOUN
ajfti-3807	150	13	.	.	PUNCT
ajfti-3807	151	1	the	the	DET
ajfti-3807	151	2	associated	associated	PROPN
ajfti-3807	151	3	t	t	PROPN
ajfti-3807	151	4	-	-	PUNCT
ajfti-3807	151	5	value	value	NOUN
ajfti-3807	151	6	is	be	AUX
ajfti-3807	151	7	9.634	9.634	NUM
ajfti-3807	151	8	(	(	PUNCT
ajfti-3807	151	9	p	p	X
ajfti-3807	151	10	<	<	X
ajfti-3807	151	11	.001	.001	NUM
ajfti-3807	151	12	)	)	PUNCT
ajfti-3807	151	13	,	,	PUNCT
ajfti-3807	151	14	indicating	indicate	VERB
ajfti-3807	151	15	that	that	SCONJ
ajfti-3807	151	16	cultural	cultural	ADJ
ajfti-3807	151	17	factors	factor	NOUN
ajfti-3807	151	18	significantly	significantly	ADV
ajfti-3807	151	19	predict	predict	VERB
ajfti-3807	151	20	actual	actual	ADJ
ajfti-3807	151	21	usage	usage	NOUN
ajfti-3807	151	22	.	.	PUNCT
ajfti-3807	152	1	model	model	NOUN
ajfti-3807	152	2	2	2	NUM
ajfti-3807	152	3	usefulness	usefulness	NOUN
ajfti-3807	152	4	.188	.188	NUM
ajfti-3807	152	5	.089	.089	NUM
ajfti-3807	152	6	.156	.156	NUM
ajfti-3807	152	7	2.109	2.109	NUM
ajfti-3807	152	8	.037	.037	NUM
ajfti-3807	152	9	perceived	perceive	VERB
ajfti-3807	152	10	ease	ease	NOUN
ajfti-3807	152	11	-.198	-.198	PROPN
ajfti-3807	152	12	.062	.062	NUM
ajfti-3807	152	13	-.197	-.197	PROPN
ajfti-3807	152	14	-3.219	-3.219	NUM
ajfti-3807	152	15	.002	.002	NUM
ajfti-3807	152	16	trust	trust	NOUN
ajfti-3807	152	17	.132	.132	NUM
ajfti-3807	152	18	.079	.079	NUM
ajfti-3807	152	19	.100	.100	NUM
ajfti-3807	152	20	1.679	1.679	NUM
ajfti-3807	152	21	.096	.096	NUM
ajfti-3807	152	22	cultural	cultural	ADJ
ajfti-3807	152	23	factor	factor	NOUN
ajfti-3807	152	24	.490	.490	NUM
ajfti-3807	152	25	.051	.051	NUM
ajfti-3807	152	26	.781	.781	NUM
ajfti-3807	152	27	9.634	9.634	NUM
ajfti-3807	152	28	.000	.000	NUM
ajfti-3807	152	29	table	table	NOUN
ajfti-3807	152	30	4	4	NUM
ajfti-3807	152	31	:	:	PUNCT
ajfti-3807	152	32	model	model	NOUN
ajfti-3807	152	33	summary	summary	NOUN
ajfti-3807	152	34	model	model	NOUN
ajfti-3807	152	35	r	r	PROPN
ajfti-3807	152	36	r	r	NOUN
ajfti-3807	152	37	square	square	ADJ
ajfti-3807	152	38	adjusted	adjust	VERB
ajfti-3807	152	39	r	r	NOUN
ajfti-3807	152	40	square	square	ADJ
ajfti-3807	152	41	std	std	NOUN
ajfti-3807	152	42	.	.	PUNCT
ajfti-3807	153	1	error	error	NOUN
ajfti-3807	153	2	of	of	ADP
ajfti-3807	153	3	the	the	DET
ajfti-3807	153	4	estimate	estimate	NOUN
ajfti-3807	153	5	1	1	NUM
ajfti-3807	153	6	.525a	.525a	PROPN
ajfti-3807	153	7	.275	.275	NUM
ajfti-3807	153	8	.250	.250	NUM
ajfti-3807	153	9	.33913	.33913	PROPN
ajfti-3807	154	1	the	the	DET
ajfti-3807	154	2	model	model	NOUN
ajfti-3807	154	3	’s	’s	PART
ajfti-3807	154	4	summary	summary	NOUN
ajfti-3807	154	5	shows	show	VERB
ajfti-3807	154	6	a	a	DET
ajfti-3807	154	7	moderate	moderate	ADJ
ajfti-3807	154	8	positive	positive	ADJ
ajfti-3807	154	9	relationship	relationship	NOUN
ajfti-3807	154	10	between	between	ADP
ajfti-3807	154	11	independent	independent	ADJ
ajfti-3807	154	12	and	and	CCONJ
ajfti-3807	154	13	dependent	dependent	ADJ
ajfti-3807	154	14	variables	variable	NOUN
ajfti-3807	154	15	,	,	PUNCT
ajfti-3807	154	16	with	with	ADP
ajfti-3807	154	17	a	a	DET
ajfti-3807	154	18	r	r	NOUN
ajfti-3807	154	19	-	-	PUNCT
ajfti-3807	154	20	squared	square	VERB
ajfti-3807	154	21	value	value	NOUN
ajfti-3807	154	22	of	of	ADP
ajfti-3807	154	23	0.275	0.275	NUM
ajfti-3807	154	24	and	and	CCONJ
ajfti-3807	154	25	an	an	DET
ajfti-3807	154	26	adjusted	adjusted	ADJ
ajfti-3807	154	27	r	r	NOUN
ajfti-3807	154	28	-	-	PUNCT
ajfti-3807	154	29	squared	square	VERB
ajfti-3807	154	30	value	value	NOUN
ajfti-3807	154	31	of	of	ADP
ajfti-3807	154	32	0.250	0.250	NUM
ajfti-3807	154	33	.	.	PUNCT
ajfti-3807	155	1	the	the	DET
ajfti-3807	155	2	model	model	NOUN
ajfti-3807	155	3	’s	’s	PART
ajfti-3807	155	4	standard	standard	ADJ
ajfti-3807	155	5	error	error	NOUN
ajfti-3807	155	6	of	of	ADP
ajfti-3807	155	7	estimate	estimate	NOUN
ajfti-3807	155	8	is	be	AUX
ajfti-3807	155	9	0.33913	0.33913	NUM
ajfti-3807	155	10	,	,	PUNCT
ajfti-3807	155	11	indicating	indicate	VERB
ajfti-3807	155	12	some	some	DET
ajfti-3807	155	13	variability	variability	NOUN
ajfti-3807	155	14	in	in	ADP
ajfti-3807	155	15	predictions	prediction	NOUN
ajfti-3807	155	16	.	.	PUNCT
ajfti-3807	156	1	however	however	ADV
ajfti-3807	156	2	,	,	PUNCT
ajfti-3807	156	3	the	the	DET
ajfti-3807	156	4	model	model	NOUN
ajfti-3807	156	5	’s	’s	PART
ajfti-3807	156	6	explanatory	explanatory	ADJ
ajfti-3807	156	7	power	power	NOUN
ajfti-3807	156	8	may	may	AUX
ajfti-3807	156	9	be	be	AUX
ajfti-3807	156	10	enhanced	enhance	VERB
ajfti-3807	156	11	by	by	ADP
ajfti-3807	156	12	incorporating	incorporate	VERB
ajfti-3807	156	13	additional	additional	ADJ
ajfti-3807	156	14	factors	factor	NOUN
ajfti-3807	156	15	not	not	PART
ajfti-3807	156	16	accounted	account	VERB
ajfti-3807	156	17	for	for	ADP
ajfti-3807	156	18	in	in	ADP
ajfti-3807	156	19	the	the	DET
ajfti-3807	156	20	model	model	NOUN
ajfti-3807	156	21	.	.	PUNCT
ajfti-3807	157	1	table	table	NOUN
ajfti-3807	157	2	5	5	NUM
ajfti-3807	157	3	:	:	PUNCT
ajfti-3807	157	4	anova	anova	PROPN
ajfti-3807	157	5	model	model	PROPN
ajfti-3807	157	6	sum	sum	NOUN
ajfti-3807	157	7	of	of	ADP
ajfti-3807	157	8	squares	square	NOUN
ajfti-3807	157	9	df	df	PROPN
ajfti-3807	157	10	mean	mean	PROPN
ajfti-3807	157	11	square	square	PROPN
ajfti-3807	157	12	f	f	PROPN
ajfti-3807	157	13	sig	sig	PROPN
ajfti-3807	157	14	.	.	PROPN
ajfti-3807	157	15	1	1	NUM
ajfti-3807	157	16	regression	regression	VERB
ajfti-3807	157	17	4.978	4.978	NUM
ajfti-3807	157	18	4	4	NUM
ajfti-3807	157	19	1.244	1.244	NUM
ajfti-3807	157	20	10.821	10.821	NUM
ajfti-3807	157	21	.000b	.000b	PROPN
ajfti-3807	157	22	residual	residual	ADJ
ajfti-3807	157	23	13.111	13.111	NUM
ajfti-3807	157	24	114	114	NUM
ajfti-3807	157	25	.115	.115	NUM
ajfti-3807	157	26	total	total	NOUN
ajfti-3807	157	27	18.089	18.089	NUM
ajfti-3807	157	28	118	118	NUM
ajfti-3807	157	29	the	the	DET
ajfti-3807	157	30	anova	anova	PROPN
ajfti-3807	157	31	table	table	NOUN
ajfti-3807	157	32	reveals	reveal	VERB
ajfti-3807	157	33	the	the	DET
ajfti-3807	157	34	significance	significance	NOUN
ajfti-3807	157	35	of	of	ADP
ajfti-3807	157	36	the	the	DET
ajfti-3807	157	37	regression	regression	NOUN
ajfti-3807	157	38	model	model	NOUN
ajfti-3807	157	39	in	in	ADP
ajfti-3807	157	40	explaining	explain	VERB
ajfti-3807	157	41	the	the	DET
ajfti-3807	157	42	variance	variance	NOUN
ajfti-3807	157	43	in	in	ADP
ajfti-3807	157	44	the	the	DET
ajfti-3807	157	45	dependent	dependent	ADJ
ajfti-3807	157	46	variable	variable	NOUN
ajfti-3807	157	47	,	,	PUNCT
ajfti-3807	157	48	actual	actual	ADJ
ajfti-3807	157	49	usage	usage	NOUN
ajfti-3807	157	50	of	of	ADP
ajfti-3807	157	51	internet	internet	NOUN
ajfti-3807	157	52	banking	banking	NOUN
ajfti-3807	157	53	services	service	NOUN
ajfti-3807	157	54	.	.	PUNCT
ajfti-3807	158	1	the	the	DET
ajfti-3807	158	2	model	model	NOUN
ajfti-3807	158	3	’s	’s	PART
ajfti-3807	158	4	f	f	NOUN
ajfti-3807	158	5	-	-	PUNCT
ajfti-3807	158	6	statistics	statistic	NOUN
ajfti-3807	158	7	of	of	ADP
ajfti-3807	158	8	10.821	10.821	NUM
ajfti-3807	158	9	and	and	CCONJ
ajfti-3807	158	10	p	p	NOUN
ajfti-3807	158	11	-	-	PUNCT
ajfti-3807	158	12	value	value	NOUN
ajfti-3807	158	13	of.000	of.000	PROPN
ajfti-3807	158	14	indicate	indicate	VERB
ajfti-3807	158	15	that	that	SCONJ
ajfti-3807	158	16	the	the	DET
ajfti-3807	158	17	independent	independent	ADJ
ajfti-3807	158	18	variables	variable	NOUN
ajfti-3807	158	19	significantly	significantly	ADV
ajfti-3807	158	20	explain	explain	VERB
ajfti-3807	158	21	the	the	DET
ajfti-3807	158	22	variation	variation	NOUN
ajfti-3807	158	23	in	in	ADP
ajfti-3807	158	24	the	the	DET
ajfti-3807	158	25	dependent	dependent	ADJ
ajfti-3807	158	26	variable	variable	NOUN
ajfti-3807	158	27	.	.	PUNCT
ajfti-3807	159	1	the	the	DET
ajfti-3807	159	2	sum	sum	NOUN
ajfti-3807	159	3	of	of	ADP
ajfti-3807	159	4	squares	square	NOUN
ajfti-3807	159	5	is	be	AUX
ajfti-3807	159	6	4.978	4.978	NUM
ajfti-3807	159	7	,	,	PUNCT
ajfti-3807	159	8	with	with	ADP
ajfti-3807	159	9	a	a	DET
ajfti-3807	159	10	mean	mean	ADJ
ajfti-3807	159	11	square	square	ADJ
ajfti-3807	159	12	value	value	NOUN
ajfti-3807	159	13	of	of	ADP
ajfti-3807	159	14	1.244	1.244	NUM
ajfti-3807	159	15	.	.	PUNCT
ajfti-3807	160	1	table	table	NOUN
ajfti-3807	160	2	6	6	NUM
ajfti-3807	160	3	:	:	PUNCT
ajfti-3807	160	4	coefficients	coefficient	NOUN
ajfti-3807	160	5	model	model	VERB
ajfti-3807	160	6	unstandardized	unstandardized	ADJ
ajfti-3807	160	7	coefficients	coefficient	NOUN
ajfti-3807	160	8	standardized	standardize	VERB
ajfti-3807	160	9	coefficients	coefficient	NOUN
ajfti-3807	160	10	t	t	PROPN
ajfti-3807	160	11	sig	sig	PROPN
ajfti-3807	160	12	.	.	PUNCT
ajfti-3807	161	1	b	b	X
ajfti-3807	161	2	std	std	PROPN
ajfti-3807	161	3	.	.	NOUN
ajfti-3807	161	4	error	error	NOUN
ajfti-3807	161	5	beta	beta	NOUN
ajfti-3807	161	6	1	1	NUM
ajfti-3807	161	7	(	(	PUNCT
ajfti-3807	161	8	constant	constant	ADJ
ajfti-3807	161	9	)	)	PUNCT
ajfti-3807	161	10	3.233	3.233	NUM
ajfti-3807	161	11	.564	.564	NUM
ajfti-3807	161	12	5.727	5.727	NUM
ajfti-3807	161	13	.000	.000	NUM
ajfti-3807	161	14	usefulness	usefulness	NOUN
ajfti-3807	161	15	-.331	-.331	ADP
ajfti-3807	161	16	.103	.103	NUM
ajfti-3807	161	17	-.351	-.351	ADP
ajfti-3807	161	18	-3.204	-3.204	SYM
ajfti-3807	161	19	.002	.002	NUM
ajfti-3807	161	20	pa	pa	PROPN
ajfti-3807	161	21	ge	ge	PROPN
ajfti-3807	161	22	28	28	NUM
ajfti-3807	161	23	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3807	161	24	am	be	AUX
ajfti-3807	161	25	.	.	PUNCT
ajfti-3807	162	1	j.	j.	PROPN
ajfti-3807	162	2	financ	financ	PROPN
ajfti-3807	162	3	.	.	PUNCT
ajfti-3807	163	1	technol	technol	PROPN
ajfti-3807	163	2	.	.	PUNCT
ajfti-3807	163	3	innov	innov	PROPN
ajfti-3807	163	4	.	.	PUNCT
ajfti-3807	164	1	3(1	3(1	NUM
ajfti-3807	164	2	)	)	PUNCT
ajfti-3807	164	3	23	23	NUM
ajfti-3807	164	4	-	-	SYM
ajfti-3807	164	5	31	31	NUM
ajfti-3807	164	6	,	,	PUNCT
ajfti-3807	164	7	2025	2025	NUM
ajfti-3807	164	8	these	these	DET
ajfti-3807	164	9	coefficients	coefficient	NOUN
ajfti-3807	164	10	represent	represent	VERB
ajfti-3807	164	11	the	the	DET
ajfti-3807	164	12	estimated	estimate	VERB
ajfti-3807	164	13	effects	effect	NOUN
ajfti-3807	164	14	of	of	ADP
ajfti-3807	164	15	each	each	DET
ajfti-3807	164	16	independent	independent	ADJ
ajfti-3807	164	17	variable	variable	NOUN
ajfti-3807	164	18	on	on	ADP
ajfti-3807	164	19	the	the	DET
ajfti-3807	164	20	dependent	dependent	ADJ
ajfti-3807	164	21	variable	variable	NOUN
ajfti-3807	164	22	(	(	PUNCT
ajfti-3807	164	23	likely	likely	ADJ
ajfti-3807	164	24	actual	actual	ADJ
ajfti-3807	164	25	usage	usage	NOUN
ajfti-3807	164	26	of	of	ADP
ajfti-3807	164	27	internet	internet	NOUN
ajfti-3807	164	28	banking	banking	NOUN
ajfti-3807	164	29	services	service	NOUN
ajfti-3807	164	30	)	)	PUNCT
ajfti-3807	164	31	in	in	ADP
ajfti-3807	164	32	the	the	DET
ajfti-3807	164	33	regression	regression	NOUN
ajfti-3807	164	34	model	model	NOUN
ajfti-3807	164	35	.	.	PUNCT
ajfti-3807	165	1	the	the	DET
ajfti-3807	165	2	unstandardized	unstandardized	ADJ
ajfti-3807	165	3	coefficients	coefficient	NOUN
ajfti-3807	165	4	(	(	PUNCT
ajfti-3807	165	5	b	b	NOUN
ajfti-3807	165	6	)	)	PUNCT
ajfti-3807	165	7	indicate	indicate	VERB
ajfti-3807	165	8	the	the	DET
ajfti-3807	165	9	change	change	NOUN
ajfti-3807	165	10	in	in	ADP
ajfti-3807	165	11	the	the	DET
ajfti-3807	165	12	dependent	dependent	ADJ
ajfti-3807	165	13	variable	variable	NOUN
ajfti-3807	165	14	for	for	ADP
ajfti-3807	165	15	a	a	DET
ajfti-3807	165	16	oneunit	oneunit	ADJ
ajfti-3807	165	17	change	change	NOUN
ajfti-3807	165	18	in	in	ADP
ajfti-3807	165	19	the	the	DET
ajfti-3807	165	20	independent	independent	ADJ
ajfti-3807	165	21	variable	variable	NOUN
ajfti-3807	165	22	,	,	PUNCT
ajfti-3807	165	23	holding	hold	VERB
ajfti-3807	165	24	other	other	ADJ
ajfti-3807	165	25	variables	variable	NOUN
ajfti-3807	165	26	constant	constant	ADJ
ajfti-3807	165	27	.	.	PUNCT
ajfti-3807	166	1	the	the	DET
ajfti-3807	166	2	standardized	standardized	ADJ
ajfti-3807	166	3	coefficients	coefficient	NOUN
ajfti-3807	166	4	(	(	PUNCT
ajfti-3807	166	5	beta	beta	NOUN
ajfti-3807	166	6	)	)	PUNCT
ajfti-3807	166	7	allow	allow	VERB
ajfti-3807	166	8	for	for	ADP
ajfti-3807	166	9	a	a	DET
ajfti-3807	166	10	comparison	comparison	NOUN
ajfti-3807	166	11	of	of	ADP
ajfti-3807	166	12	the	the	DET
ajfti-3807	166	13	relative	relative	ADJ
ajfti-3807	166	14	importance	importance	NOUN
ajfti-3807	166	15	of	of	ADP
ajfti-3807	166	16	each	each	DET
ajfti-3807	166	17	independent	independent	ADJ
ajfti-3807	166	18	variable	variable	NOUN
ajfti-3807	166	19	in	in	ADP
ajfti-3807	166	20	predicting	predict	VERB
ajfti-3807	166	21	the	the	DET
ajfti-3807	166	22	dependent	dependent	ADJ
ajfti-3807	166	23	variable	variable	NOUN
ajfti-3807	166	24	.	.	PUNCT
ajfti-3807	167	1	the	the	DET
ajfti-3807	167	2	t	t	PROPN
ajfti-3807	167	3	-	-	PUNCT
ajfti-3807	167	4	values	value	NOUN
ajfti-3807	167	5	represent	represent	VERB
ajfti-3807	167	6	the	the	DET
ajfti-3807	167	7	significance	significance	NOUN
ajfti-3807	167	8	of	of	ADP
ajfti-3807	167	9	each	each	DET
ajfti-3807	167	10	coefficient	coefficient	NOUN
ajfti-3807	167	11	,	,	PUNCT
ajfti-3807	167	12	with	with	ADP
ajfti-3807	167	13	associated	associate	VERB
ajfti-3807	167	14	p	p	NOUN
ajfti-3807	167	15	-	-	PUNCT
ajfti-3807	167	16	values	value	NOUN
ajfti-3807	167	17	indicating	indicate	VERB
ajfti-3807	167	18	whether	whether	SCONJ
ajfti-3807	167	19	the	the	DET
ajfti-3807	167	20	coefficients	coefficient	NOUN
ajfti-3807	167	21	are	be	AUX
ajfti-3807	167	22	statistically	statistically	ADV
ajfti-3807	167	23	significant	significant	ADJ
ajfti-3807	167	24	.	.	PUNCT
ajfti-3807	168	1	in	in	ADP
ajfti-3807	168	2	this	this	DET
ajfti-3807	168	3	model	model	NOUN
ajfti-3807	168	4	,	,	PUNCT
ajfti-3807	168	5	perceived	perceive	VERB
ajfti-3807	168	6	usefulness	usefulness	NOUN
ajfti-3807	168	7	,	,	PUNCT
ajfti-3807	168	8	trust	trust	NOUN
ajfti-3807	168	9	,	,	PUNCT
ajfti-3807	168	10	and	and	CCONJ
ajfti-3807	168	11	to	to	ADP
ajfti-3807	168	12	a	a	DET
ajfti-3807	168	13	lesser	less	ADJ
ajfti-3807	168	14	extent	extent	NOUN
ajfti-3807	168	15	,	,	PUNCT
ajfti-3807	168	16	perceived	perceive	VERB
ajfti-3807	168	17	ease	ease	NOUN
ajfti-3807	168	18	of	of	ADP
ajfti-3807	168	19	use	use	NOUN
ajfti-3807	168	20	,	,	PUNCT
ajfti-3807	168	21	are	be	AUX
ajfti-3807	168	22	significant	significant	ADJ
ajfti-3807	168	23	predictors	predictor	NOUN
ajfti-3807	168	24	of	of	ADP
ajfti-3807	168	25	actual	actual	ADJ
ajfti-3807	168	26	usage	usage	NOUN
ajfti-3807	168	27	of	of	ADP
ajfti-3807	168	28	internet	internet	NOUN
ajfti-3807	168	29	banking	banking	NOUN
ajfti-3807	168	30	services	service	NOUN
ajfti-3807	168	31	,	,	PUNCT
ajfti-3807	168	32	while	while	SCONJ
ajfti-3807	168	33	cultural	cultural	ADJ
ajfti-3807	168	34	factors	factor	NOUN
ajfti-3807	168	35	show	show	VERB
ajfti-3807	168	36	a	a	DET
ajfti-3807	168	37	borderline	borderline	NOUN
ajfti-3807	168	38	significance	significance	NOUN
ajfti-3807	168	39	.	.	PUNCT
ajfti-3807	169	1	the	the	DET
ajfti-3807	169	2	table	table	NOUN
ajfti-3807	169	3	reveals	reveal	VERB
ajfti-3807	169	4	the	the	DET
ajfti-3807	169	5	impact	impact	NOUN
ajfti-3807	169	6	of	of	ADP
ajfti-3807	169	7	actual	actual	ADJ
ajfti-3807	169	8	usage	usage	NOUN
ajfti-3807	169	9	and	and	CCONJ
ajfti-3807	169	10	behavioral	behavioral	ADJ
ajfti-3807	169	11	intention	intention	NOUN
ajfti-3807	169	12	models	model	NOUN
ajfti-3807	169	13	on	on	ADP
ajfti-3807	169	14	internet	internet	NOUN
ajfti-3807	169	15	banking	banking	NOUN
ajfti-3807	169	16	adoption	adoption	NOUN
ajfti-3807	169	17	in	in	ADP
ajfti-3807	169	18	sudan	sudan	PROPN
ajfti-3807	169	19	.	.	PUNCT
ajfti-3807	170	1	it	it	PRON
ajfti-3807	170	2	reveals	reveal	VERB
ajfti-3807	170	3	that	that	SCONJ
ajfti-3807	170	4	understanding	understand	VERB
ajfti-3807	170	5	user	user	NOUN
ajfti-3807	170	6	decisions	decision	NOUN
ajfti-3807	170	7	,	,	PUNCT
ajfti-3807	170	8	prioritizing	prioritize	VERB
ajfti-3807	170	9	improvements	improvement	NOUN
ajfti-3807	170	10	,	,	PUNCT
ajfti-3807	170	11	and	and	CCONJ
ajfti-3807	170	12	developing	develop	VERB
ajfti-3807	170	13	targeted	target	VERB
ajfti-3807	170	14	interventions	intervention	NOUN
ajfti-3807	170	15	can	can	AUX
ajfti-3807	170	16	help	help	VERB
ajfti-3807	170	17	banks	bank	NOUN
ajfti-3807	170	18	understand	understand	VERB
ajfti-3807	170	19	and	and	CCONJ
ajfti-3807	170	20	address	address	VERB
ajfti-3807	170	21	the	the	DET
ajfti-3807	170	22	factors	factor	NOUN
ajfti-3807	170	23	influencing	influence	VERB
ajfti-3807	170	24	adoption	adoption	NOUN
ajfti-3807	170	25	.	.	PUNCT
ajfti-3807	171	1	the	the	DET
ajfti-3807	171	2	study	study	NOUN
ajfti-3807	171	3	also	also	ADV
ajfti-3807	171	4	suggests	suggest	VERB
ajfti-3807	171	5	that	that	SCONJ
ajfti-3807	171	6	understanding	understand	VERB
ajfti-3807	171	7	these	these	DET
ajfti-3807	171	8	factors	factor	NOUN
ajfti-3807	171	9	can	can	AUX
ajfti-3807	171	10	help	help	VERB
ajfti-3807	171	11	predict	predict	VERB
ajfti-3807	171	12	future	future	ADJ
ajfti-3807	171	13	trends	trend	NOUN
ajfti-3807	171	14	,	,	PUNCT
ajfti-3807	171	15	aiding	aid	VERB
ajfti-3807	171	16	in	in	ADP
ajfti-3807	171	17	strategic	strategic	ADJ
ajfti-3807	171	18	planning	planning	NOUN
ajfti-3807	171	19	and	and	CCONJ
ajfti-3807	171	20	resource	resource	NOUN
ajfti-3807	171	21	allocation	allocation	NOUN
ajfti-3807	171	22	.	.	PUNCT
ajfti-3807	172	1	the	the	DET
ajfti-3807	172	2	findings	finding	NOUN
ajfti-3807	172	3	highlight	highlight	VERB
ajfti-3807	172	4	the	the	DET
ajfti-3807	172	5	importance	importance	NOUN
ajfti-3807	172	6	of	of	ADP
ajfti-3807	172	7	cultural	cultural	ADJ
ajfti-3807	172	8	understanding	understanding	NOUN
ajfti-3807	172	9	in	in	ADP
ajfti-3807	172	10	the	the	DET
ajfti-3807	172	11	adoption	adoption	NOUN
ajfti-3807	172	12	of	of	ADP
ajfti-3807	172	13	internet	internet	NOUN
ajfti-3807	172	14	banking	banking	NOUN
ajfti-3807	172	15	.	.	PUNCT
ajfti-3807	173	1	correlation	correlation	NOUN
ajfti-3807	173	2	analysis	analysis	NOUN
ajfti-3807	173	3	perceived	perceive	VERB
ajfti-3807	173	4	ease	ease	NOUN
ajfti-3807	173	5	.128	.128	NUM
ajfti-3807	173	6	.071	.071	NUM
ajfti-3807	173	7	.162	.162	NUM
ajfti-3807	173	8	1.794	1.794	NUM
ajfti-3807	173	9	.076	.076	NUM
ajfti-3807	173	10	trust	trust	NOUN
ajfti-3807	173	11	.429	.429	NUM
ajfti-3807	173	12	.091	.091	NUM
ajfti-3807	173	13	.413	.413	NUM
ajfti-3807	173	14	4.700	4.700	NUM
ajfti-3807	173	15	.000	.000	NUM
ajfti-3807	173	16	cultural	cultural	ADJ
ajfti-3807	173	17	factor	factor	NOUN
ajfti-3807	173	18	.113	.113	NUM
ajfti-3807	173	19	.059	.059	NUM
ajfti-3807	173	20	.231	.231	NUM
ajfti-3807	173	21	1.921	1.921	NUM
ajfti-3807	173	22	.057	.057	NUM
ajfti-3807	173	23	table	table	NOUN
ajfti-3807	173	24	7	7	NUM
ajfti-3807	173	25	:	:	PUNCT
ajfti-3807	173	26	correlations	correlation	NOUN
ajfti-3807	173	27	usefulness	usefulness	NOUN
ajfti-3807	173	28	perceived	perceive	VERB
ajfti-3807	173	29	ease	ease	NOUN
ajfti-3807	173	30	trust	trust	NOUN
ajfti-3807	173	31	behavioural	behavioural	ADJ
ajfti-3807	173	32	actual	actual	ADJ
ajfti-3807	173	33	usage	usage	NOUN
ajfti-3807	173	34	cultural	cultural	ADJ
ajfti-3807	173	35	factor	factor	NOUN
ajfti-3807	173	36	usefulness	usefulness	NOUN
ajfti-3807	173	37	pearson	pearson	PROPN
ajfti-3807	173	38	correlation	correlation	NOUN
ajfti-3807	173	39	1	1	NUM
ajfti-3807	173	40	.257	.257	NUM
ajfti-3807	173	41	*	*	NOUN
ajfti-3807	173	42	*	*	PUNCT
ajfti-3807	173	43	-.135	-.135	NOUN
ajfti-3807	173	44	-.208	-.208	NOUN
ajfti-3807	173	45	*	*	NOUN
ajfti-3807	173	46	.627	.627	NUM
ajfti-3807	173	47	*	*	PUNCT
ajfti-3807	173	48	*	*	PUNCT
ajfti-3807	173	49	.685	.685	NUM
ajfti-3807	173	50	*	*	PUNCT
ajfti-3807	173	51	*	*	PUNCT
ajfti-3807	173	52	sig	sig	X
ajfti-3807	173	53	.	.	PUNCT
ajfti-3807	174	1	(	(	PUNCT
ajfti-3807	174	2	2	2	NUM
ajfti-3807	174	3	-	-	PUNCT
ajfti-3807	174	4	tailed	tailed	ADJ
ajfti-3807	174	5	)	)	PUNCT
ajfti-3807	174	6	.005	.005	NUM
ajfti-3807	174	7	.143	.143	NUM
ajfti-3807	174	8	.024	.024	NUM
ajfti-3807	174	9	.000	.000	NUM
ajfti-3807	174	10	.000	.000	NUM
ajfti-3807	175	1	n	n	DET
ajfti-3807	175	2	119	119	NUM
ajfti-3807	175	3	119	119	NUM
ajfti-3807	175	4	119	119	NUM
ajfti-3807	175	5	119	119	NUM
ajfti-3807	175	6	119	119	NUM
ajfti-3807	175	7	119	119	NUM
ajfti-3807	175	8	perceived	perceive	VERB
ajfti-3807	175	9	ease	ease	NOUN
ajfti-3807	175	10	pearson	pearson	NOUN
ajfti-3807	175	11	correlation	correlation	NOUN
ajfti-3807	175	12	.257	.257	NUM
ajfti-3807	175	13	*	*	NOUN
ajfti-3807	175	14	*	*	PROPN
ajfti-3807	175	15	1	1	NUM
ajfti-3807	175	16	.199	.199	NUM
ajfti-3807	175	17	*	*	NOUN
ajfti-3807	175	18	.238	.238	NUM
ajfti-3807	175	19	*	*	PUNCT
ajfti-3807	175	20	*	*	NOUN
ajfti-3807	175	21	.146	.146	NUM
ajfti-3807	175	22	.361	.361	NUM
ajfti-3807	175	23	*	*	PUNCT
ajfti-3807	175	24	*	*	PUNCT
ajfti-3807	175	25	sig	sig	X
ajfti-3807	175	26	.	.	PUNCT
ajfti-3807	176	1	(	(	PUNCT
ajfti-3807	176	2	2	2	NUM
ajfti-3807	176	3	-	-	PUNCT
ajfti-3807	176	4	tailed	tailed	ADJ
ajfti-3807	176	5	)	)	PUNCT
ajfti-3807	176	6	.005	.005	NUM
ajfti-3807	176	7	.030	.030	NUM
ajfti-3807	176	8	.009	.009	NUM
ajfti-3807	176	9	.114	.114	NUM
ajfti-3807	176	10	.000	.000	NUM
ajfti-3807	177	1	n	n	PROPN
ajfti-3807	177	2	119	119	NUM
ajfti-3807	177	3	119	119	NUM
ajfti-3807	177	4	119	119	NUM
ajfti-3807	177	5	119	119	NUM
ajfti-3807	177	6	119	119	NUM
ajfti-3807	177	7	119	119	NUM
ajfti-3807	177	8	trust	trust	NOUN
ajfti-3807	177	9	pearson	pearson	NOUN
ajfti-3807	177	10	correlation	correlation	NOUN
ajfti-3807	177	11	-.135	-.135	NOUN
ajfti-3807	177	12	.199	.199	NUM
ajfti-3807	177	13	*	*	NOUN
ajfti-3807	177	14	1	1	NUM
ajfti-3807	177	15	.431	.431	NUM
ajfti-3807	177	16	*	*	PUNCT
ajfti-3807	177	17	*	*	PUNCT
ajfti-3807	177	18	-.171	-.171	INTJ
ajfti-3807	177	19	-.269	-.269	PROPN
ajfti-3807	177	20	*	*	PROPN
ajfti-3807	177	21	*	*	PROPN
ajfti-3807	177	22	sig	sig	X
ajfti-3807	177	23	.	.	PUNCT
ajfti-3807	178	1	(	(	PUNCT
ajfti-3807	178	2	2	2	NUM
ajfti-3807	178	3	-	-	PUNCT
ajfti-3807	178	4	tailed	tail	VERB
ajfti-3807	178	5	)	)	PUNCT
ajfti-3807	178	6	.143	.143	NUM
ajfti-3807	178	7	.030	.030	NUM
ajfti-3807	179	1	.000	.000	NUM
ajfti-3807	179	2	.063	.063	NUM
ajfti-3807	179	3	.003	.003	NUM
ajfti-3807	179	4	n	n	PRON
ajfti-3807	179	5	119	119	NUM
ajfti-3807	179	6	119	119	NUM
ajfti-3807	179	7	119	119	NUM
ajfti-3807	179	8	119	119	NUM
ajfti-3807	179	9	119	119	NUM
ajfti-3807	179	10	119	119	NUM
ajfti-3807	179	11	behavioural	behavioural	ADJ
ajfti-3807	179	12	pearson	pearson	NOUN
ajfti-3807	179	13	correlation	correlation	NOUN
ajfti-3807	179	14	-.208	-.208	PROPN
ajfti-3807	179	15	*	*	PUNCT
ajfti-3807	179	16	.238	.238	NUM
ajfti-3807	179	17	*	*	NOUN
ajfti-3807	179	18	*	*	NOUN
ajfti-3807	179	19	.431	.431	NUM
ajfti-3807	179	20	*	*	PUNCT
ajfti-3807	179	21	*	*	SYM
ajfti-3807	179	22	1	1	NUM
ajfti-3807	179	23	-.105	-.105	PROPN
ajfti-3807	179	24	-.062	-.062	PROPN
ajfti-3807	179	25	sig	sig	NOUN
ajfti-3807	179	26	.	.	PUNCT
ajfti-3807	180	1	(	(	PUNCT
ajfti-3807	180	2	2	2	NUM
ajfti-3807	180	3	-	-	PUNCT
ajfti-3807	180	4	tailed	tailed	ADJ
ajfti-3807	180	5	)	)	PUNCT
ajfti-3807	180	6	.024	.024	NUM
ajfti-3807	180	7	.009	.009	NUM
ajfti-3807	180	8	.000	.000	NUM
ajfti-3807	180	9	.256	.256	NUM
ajfti-3807	180	10	.501	.501	NUM
ajfti-3807	180	11	n	n	PROPN
ajfti-3807	180	12	119	119	NUM
ajfti-3807	180	13	119	119	NUM
ajfti-3807	180	14	119	119	NUM
ajfti-3807	180	15	119	119	NUM
ajfti-3807	180	16	119	119	NUM
ajfti-3807	180	17	119	119	NUM
ajfti-3807	180	18	actual	actual	ADJ
ajfti-3807	180	19	usage	usage	NOUN
ajfti-3807	180	20	pearson	pearson	NOUN
ajfti-3807	180	21	correlation	correlation	NOUN
ajfti-3807	180	22	.627	.627	NUM
ajfti-3807	180	23	*	*	PUNCT
ajfti-3807	181	1	*	*	PUNCT
ajfti-3807	181	2	.146	.146	NUM
ajfti-3807	182	1	-.171	-.171	PROPN
ajfti-3807	182	2	-.105	-.105	NOUN
ajfti-3807	182	3	1	1	NUM
ajfti-3807	182	4	.790	.790	NUM
ajfti-3807	182	5	*	*	PUNCT
ajfti-3807	182	6	*	*	X
ajfti-3807	182	7	sig	sig	X
ajfti-3807	182	8	.	.	PUNCT
ajfti-3807	183	1	(	(	PUNCT
ajfti-3807	183	2	2	2	NUM
ajfti-3807	183	3	-	-	PUNCT
ajfti-3807	183	4	tailed	tailed	ADJ
ajfti-3807	183	5	)	)	PUNCT
ajfti-3807	183	6	.000	.000	NUM
ajfti-3807	183	7	.114	.114	NUM
ajfti-3807	183	8	.063	.063	NUM
ajfti-3807	184	1	.256	.256	NUM
ajfti-3807	184	2	.000	.000	NUM
ajfti-3807	184	3	n	n	DET
ajfti-3807	184	4	119	119	NUM
ajfti-3807	184	5	119	119	NUM
ajfti-3807	184	6	119	119	NUM
ajfti-3807	184	7	119	119	NUM
ajfti-3807	184	8	119	119	NUM
ajfti-3807	184	9	119	119	NUM
ajfti-3807	184	10	cultural	cultural	ADJ
ajfti-3807	184	11	factor	factor	NOUN
ajfti-3807	184	12	pearson	pearson	PROPN
ajfti-3807	184	13	correlation	correlation	PROPN
ajfti-3807	184	14	.685	.685	NUM
ajfti-3807	184	15	*	*	PUNCT
ajfti-3807	184	16	*	*	NOUN
ajfti-3807	184	17	.361	.361	NUM
ajfti-3807	184	18	*	*	PUNCT
ajfti-3807	184	19	*	*	PUNCT
ajfti-3807	184	20	-.269	-.269	PROPN
ajfti-3807	184	21	*	*	PROPN
ajfti-3807	184	22	*	*	PROPN
ajfti-3807	184	23	-.062	-.062	PRON
ajfti-3807	184	24	.790	.790	NUM
ajfti-3807	184	25	*	*	PUNCT
ajfti-3807	184	26	*	*	PROPN
ajfti-3807	184	27	1	1	NUM
ajfti-3807	184	28	sig	sig	NOUN
ajfti-3807	184	29	.	.	PUNCT
ajfti-3807	185	1	(	(	PUNCT
ajfti-3807	185	2	2	2	NUM
ajfti-3807	185	3	-	-	PUNCT
ajfti-3807	185	4	tailed	tailed	ADJ
ajfti-3807	185	5	)	)	PUNCT
ajfti-3807	185	6	.000	.000	NUM
ajfti-3807	185	7	.000	.000	NUM
ajfti-3807	185	8	.003	.003	NUM
ajfti-3807	185	9	.501	.501	NUM
ajfti-3807	185	10	.000	.000	NUM
ajfti-3807	186	1	n	n	DET
ajfti-3807	186	2	119	119	NUM
ajfti-3807	186	3	119	119	NUM
ajfti-3807	186	4	119	119	NUM
ajfti-3807	186	5	119	119	NUM
ajfti-3807	186	6	119	119	NUM
ajfti-3807	186	7	119	119	NUM
ajfti-3807	186	8	the	the	DET
ajfti-3807	186	9	correlation	correlation	NOUN
ajfti-3807	186	10	matrix	matrix	NOUN
ajfti-3807	186	11	provides	provide	VERB
ajfti-3807	186	12	insights	insight	NOUN
ajfti-3807	186	13	into	into	ADP
ajfti-3807	186	14	the	the	DET
ajfti-3807	186	15	relationships	relationship	NOUN
ajfti-3807	186	16	among	among	ADP
ajfti-3807	186	17	the	the	DET
ajfti-3807	186	18	variables	variable	NOUN
ajfti-3807	186	19	under	under	ADP
ajfti-3807	186	20	study	study	NOUN
ajfti-3807	186	21	.	.	PUNCT
ajfti-3807	187	1	notably	notably	ADV
ajfti-3807	187	2	,	,	PUNCT
ajfti-3807	187	3	significant	significant	ADJ
ajfti-3807	187	4	correlations	correlation	NOUN
ajfti-3807	187	5	(	(	PUNCT
ajfti-3807	187	6	p	p	X
ajfti-3807	187	7	<	<	X
ajfti-3807	187	8	0.01	0.01	NUM
ajfti-3807	187	9	)	)	PUNCT
ajfti-3807	187	10	are	be	AUX
ajfti-3807	187	11	observed	observe	VERB
ajfti-3807	187	12	between	between	ADP
ajfti-3807	187	13	several	several	ADJ
ajfti-3807	187	14	pairs	pair	NOUN
ajfti-3807	187	15	of	of	ADP
ajfti-3807	187	16	variables	variable	NOUN
ajfti-3807	187	17	.	.	PUNCT
ajfti-3807	188	1	perceived	perceive	VERB
ajfti-3807	188	2	usefulness	usefulness	NOUN
ajfti-3807	188	3	demonstrates	demonstrate	VERB
ajfti-3807	188	4	a	a	DET
ajfti-3807	188	5	strong	strong	ADJ
ajfti-3807	188	6	positive	positive	ADJ
ajfti-3807	188	7	correlation	correlation	NOUN
ajfti-3807	188	8	with	with	ADP
ajfti-3807	188	9	both	both	CCONJ
ajfti-3807	188	10	actual	actual	ADJ
ajfti-3807	188	11	usage	usage	NOUN
ajfti-3807	188	12	(	(	PUNCT
ajfti-3807	188	13	0.627	0.627	NOUN
ajfti-3807	188	14	*	*	NOUN
ajfti-3807	188	15	*	*	PUNCT
ajfti-3807	188	16	)	)	PUNCT
ajfti-3807	188	17	and	and	CCONJ
ajfti-3807	188	18	cultural	cultural	ADJ
ajfti-3807	188	19	factor	factor	NOUN
ajfti-3807	188	20	(	(	PUNCT
ajfti-3807	188	21	0.685	0.685	NUM
ajfti-3807	188	22	*	*	NOUN
ajfti-3807	188	23	*	*	NOUN
ajfti-3807	188	24	)	)	PUNCT
ajfti-3807	188	25	,	,	PUNCT
ajfti-3807	188	26	indicating	indicate	VERB
ajfti-3807	188	27	that	that	SCONJ
ajfti-3807	188	28	individuals	individual	NOUN
ajfti-3807	188	29	who	who	PRON
ajfti-3807	188	30	perceive	perceive	VERB
ajfti-3807	188	31	internet	internet	NOUN
ajfti-3807	188	32	banking	banking	NOUN
ajfti-3807	188	33	as	as	ADP
ajfti-3807	188	34	useful	useful	ADJ
ajfti-3807	188	35	are	be	AUX
ajfti-3807	188	36	more	more	ADV
ajfti-3807	188	37	likely	likely	ADJ
ajfti-3807	188	38	to	to	PART
ajfti-3807	188	39	use	use	VERB
ajfti-3807	188	40	it	it	PRON
ajfti-3807	188	41	frequently	frequently	ADV
ajfti-3807	188	42	and	and	CCONJ
ajfti-3807	188	43	are	be	AUX
ajfti-3807	188	44	influenced	influence	VERB
ajfti-3807	188	45	by	by	ADP
ajfti-3807	188	46	cultural	cultural	ADJ
ajfti-3807	188	47	factors	factor	NOUN
ajfti-3807	188	48	.	.	PUNCT
ajfti-3807	189	1	similarly	similarly	ADV
ajfti-3807	189	2	,	,	PUNCT
ajfti-3807	189	3	perceived	perceive	VERB
ajfti-3807	189	4	ease	ease	NOUN
ajfti-3807	189	5	of	of	ADP
ajfti-3807	189	6	use	use	NOUN
ajfti-3807	189	7	exhibits	exhibit	VERB
ajfti-3807	189	8	a	a	DET
ajfti-3807	189	9	moderately	moderately	ADV
ajfti-3807	189	10	positive	positive	ADJ
ajfti-3807	189	11	correlation	correlation	NOUN
ajfti-3807	189	12	with	with	ADP
ajfti-3807	189	13	cultural	cultural	ADJ
ajfti-3807	189	14	factor	factor	NOUN
ajfti-3807	189	15	(	(	PUNCT
ajfti-3807	189	16	0.361	0.361	NUM
ajfti-3807	189	17	*	*	PUNCT
ajfti-3807	189	18	*	*	PUNCT
ajfti-3807	189	19	)	)	PUNCT
ajfti-3807	189	20	and	and	CCONJ
ajfti-3807	189	21	a	a	DET
ajfti-3807	189	22	weak	weak	ADJ
ajfti-3807	189	23	positive	positive	ADJ
ajfti-3807	189	24	correlation	correlation	NOUN
ajfti-3807	189	25	with	with	ADP
ajfti-3807	189	26	actual	actual	ADJ
ajfti-3807	189	27	usage	usage	NOUN
ajfti-3807	189	28	(	(	PUNCT
ajfti-3807	189	29	0.146	0.146	NUM
ajfti-3807	189	30	)	)	PUNCT
ajfti-3807	189	31	.	.	PUNCT
ajfti-3807	190	1	trust	trust	NOUN
ajfti-3807	190	2	shows	show	VERB
ajfti-3807	190	3	a	a	DET
ajfti-3807	190	4	moderately	moderately	ADV
ajfti-3807	190	5	strong	strong	ADJ
ajfti-3807	190	6	positive	positive	ADJ
ajfti-3807	190	7	correlation	correlation	NOUN
ajfti-3807	190	8	with	with	ADP
ajfti-3807	190	9	behavioral	behavioral	ADJ
ajfti-3807	190	10	intention	intention	NOUN
ajfti-3807	190	11	(	(	PUNCT
ajfti-3807	190	12	0.431	0.431	NUM
ajfti-3807	190	13	*	*	NOUN
ajfti-3807	190	14	*	*	PUNCT
ajfti-3807	190	15	)	)	PUNCT
ajfti-3807	190	16	and	and	CCONJ
ajfti-3807	190	17	a	a	DET
ajfti-3807	190	18	weak	weak	ADJ
ajfti-3807	190	19	negative	negative	ADJ
ajfti-3807	190	20	correlation	correlation	NOUN
ajfti-3807	190	21	with	with	ADP
ajfti-3807	190	22	actual	actual	ADJ
ajfti-3807	190	23	usage	usage	NOUN
ajfti-3807	190	24	(	(	PUNCT
ajfti-3807	190	25	-0.171	-0.171	NOUN
ajfti-3807	190	26	)	)	PUNCT
ajfti-3807	190	27	.	.	PUNCT
ajfti-3807	191	1	actual	actual	ADJ
ajfti-3807	191	2	usage	usage	NOUN
ajfti-3807	191	3	is	be	AUX
ajfti-3807	191	4	strongly	strongly	ADV
ajfti-3807	191	5	correlated	correlate	VERB
ajfti-3807	191	6	with	with	ADP
ajfti-3807	191	7	both	both	DET
ajfti-3807	191	8	perceived	perceive	VERB
ajfti-3807	191	9	usefulness	usefulness	NOUN
ajfti-3807	191	10	(	(	PUNCT
ajfti-3807	191	11	0.627	0.627	NOUN
ajfti-3807	191	12	*	*	NOUN
ajfti-3807	191	13	*	*	PUNCT
ajfti-3807	191	14	)	)	PUNCT
ajfti-3807	191	15	and	and	CCONJ
ajfti-3807	191	16	cultural	cultural	ADJ
ajfti-3807	191	17	factor	factor	NOUN
ajfti-3807	191	18	(	(	PUNCT
ajfti-3807	191	19	0.790	0.790	NOUN
ajfti-3807	191	20	*	*	NOUN
ajfti-3807	191	21	*	*	PUNCT
ajfti-3807	191	22	)	)	PUNCT
ajfti-3807	191	23	,	,	PUNCT
ajfti-3807	191	24	suggesting	suggest	VERB
ajfti-3807	191	25	that	that	SCONJ
ajfti-3807	191	26	individuals	individual	NOUN
ajfti-3807	191	27	who	who	PRON
ajfti-3807	191	28	use	use	VERB
ajfti-3807	191	29	internet	internet	NOUN
ajfti-3807	191	30	banking	banking	NOUN
ajfti-3807	191	31	services	service	NOUN
ajfti-3807	191	32	frequently	frequently	ADV
ajfti-3807	191	33	perceive	perceive	VERB
ajfti-3807	191	34	them	they	PRON
ajfti-3807	191	35	as	as	ADP
ajfti-3807	191	36	useful	useful	ADJ
ajfti-3807	191	37	and	and	CCONJ
ajfti-3807	191	38	are	be	AUX
ajfti-3807	191	39	influenced	influence	VERB
ajfti-3807	191	40	by	by	ADP
ajfti-3807	191	41	cultural	cultural	ADJ
ajfti-3807	191	42	factors	factor	NOUN
ajfti-3807	191	43	.	.	PUNCT
ajfti-3807	192	1	additionally	additionally	ADV
ajfti-3807	192	2	,	,	PUNCT
ajfti-3807	192	3	cultural	cultural	ADJ
ajfti-3807	192	4	factor	factor	NOUN
ajfti-3807	192	5	demonstrates	demonstrate	VERB
ajfti-3807	192	6	a	a	DET
ajfti-3807	192	7	strong	strong	ADJ
ajfti-3807	192	8	positive	positive	ADJ
ajfti-3807	192	9	correlation	correlation	NOUN
ajfti-3807	192	10	with	with	ADP
ajfti-3807	192	11	actual	actual	ADJ
ajfti-3807	192	12	usage	usage	NOUN
ajfti-3807	192	13	(	(	PUNCT
ajfti-3807	192	14	0.790	0.790	NOUN
ajfti-3807	192	15	*	*	NOUN
ajfti-3807	192	16	*	*	PUNCT
ajfti-3807	192	17	)	)	PUNCT
ajfti-3807	192	18	and	and	CCONJ
ajfti-3807	192	19	perceived	perceive	VERB
ajfti-3807	192	20	usefulness	usefulness	NOUN
ajfti-3807	192	21	(	(	PUNCT
ajfti-3807	192	22	0.685	0.685	NUM
ajfti-3807	192	23	*	*	NOUN
ajfti-3807	192	24	*	*	NOUN
ajfti-3807	192	25	)	)	PUNCT
ajfti-3807	192	26	,	,	PUNCT
ajfti-3807	192	27	indicating	indicate	VERB
ajfti-3807	192	28	the	the	DET
ajfti-3807	192	29	significant	significant	ADJ
ajfti-3807	192	30	influence	influence	NOUN
ajfti-3807	192	31	of	of	ADP
ajfti-3807	192	32	cultural	cultural	ADJ
ajfti-3807	192	33	pa	pa	PROPN
ajfti-3807	192	34	ge	ge	PROPN
ajfti-3807	192	35	29	29	NUM
ajfti-3807	192	36	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3807	192	37	am	be	AUX
ajfti-3807	192	38	.	.	PUNCT
ajfti-3807	193	1	j.	j.	PROPN
ajfti-3807	193	2	financ	financ	PROPN
ajfti-3807	193	3	.	.	PUNCT
ajfti-3807	194	1	technol	technol	PROPN
ajfti-3807	194	2	.	.	PUNCT
ajfti-3807	194	3	innov	innov	PROPN
ajfti-3807	194	4	.	.	PUNCT
ajfti-3807	195	1	3(1	3(1	NUM
ajfti-3807	195	2	)	)	PUNCT
ajfti-3807	195	3	23	23	NUM
ajfti-3807	195	4	-	-	SYM
ajfti-3807	195	5	31	31	NUM
ajfti-3807	195	6	,	,	PUNCT
ajfti-3807	195	7	2025	2025	NUM
ajfti-3807	195	8	reveal	reveal	VERB
ajfti-3807	195	9	that	that	SCONJ
ajfti-3807	195	10	features	feature	VERB
ajfti-3807	195	11	like	like	ADP
ajfti-3807	195	12	venue	venue	NOUN
ajfti-3807	195	13	,	,	PUNCT
ajfti-3807	195	14	user	user	NOUN
ajfti-3807	195	15	-	-	PUNCT
ajfti-3807	195	16	friendliness	friendliness	ADJ
ajfti-3807	195	17	,	,	PUNCT
ajfti-3807	195	18	trust	trust	NOUN
ajfti-3807	195	19	management	management	NOUN
ajfti-3807	195	20	,	,	PUNCT
ajfti-3807	195	21	and	and	CCONJ
ajfti-3807	195	22	cultural	cultural	ADJ
ajfti-3807	195	23	factors	factor	NOUN
ajfti-3807	195	24	play	play	VERB
ajfti-3807	195	25	important	important	ADJ
ajfti-3807	195	26	parts	part	NOUN
ajfti-3807	195	27	in	in	ADP
ajfti-3807	195	28	deciding	decide	VERB
ajfti-3807	195	29	customers	customer	NOUN
ajfti-3807	195	30	’	’	PART
ajfti-3807	195	31	actual	actual	ADJ
ajfti-3807	195	32	use	use	NOUN
ajfti-3807	195	33	of	of	ADP
ajfti-3807	195	34	internet	internet	NOUN
ajfti-3807	195	35	banking	banking	NOUN
ajfti-3807	195	36	products	product	NOUN
ajfti-3807	195	37	.	.	PUNCT
ajfti-3807	196	1	important	important	ADJ
ajfti-3807	196	2	are	be	AUX
ajfti-3807	196	3	the	the	DET
ajfti-3807	196	4	design	design	NOUN
ajfti-3807	196	5	and	and	CCONJ
ajfti-3807	196	6	the	the	DET
ajfti-3807	196	7	functionality	functionality	NOUN
ajfti-3807	196	8	for	for	ADP
ajfti-3807	196	9	the	the	DET
ajfti-3807	196	10	customers	customer	NOUN
ajfti-3807	196	11	with	with	ADP
ajfti-3807	196	12	the	the	DET
ajfti-3807	196	13	aim	aim	NOUN
ajfti-3807	196	14	of	of	ADP
ajfti-3807	196	15	reaching	reach	VERB
ajfti-3807	196	16	the	the	DET
ajfti-3807	196	17	highest	high	ADJ
ajfti-3807	196	18	satisfaction	satisfaction	NOUN
ajfti-3807	196	19	and	and	CCONJ
ajfti-3807	196	20	enhanced	enhance	VERB
ajfti-3807	196	21	banking	banking	NOUN
ajfti-3807	196	22	experience	experience	NOUN
ajfti-3807	196	23	.	.	PUNCT
ajfti-3807	197	1	sociocultural	sociocultural	ADJ
ajfti-3807	197	2	factors	factor	NOUN
ajfti-3807	197	3	are	be	AUX
ajfti-3807	197	4	also	also	ADV
ajfti-3807	197	5	factors	factor	NOUN
ajfti-3807	197	6	that	that	PRON
ajfti-3807	197	7	should	should	AUX
ajfti-3807	197	8	be	be	AUX
ajfti-3807	197	9	factored	factor	VERB
ajfti-3807	197	10	in	in	ADP
ajfti-3807	197	11	,	,	PUNCT
ajfti-3807	197	12	which	which	PRON
ajfti-3807	197	13	increases	increase	VERB
ajfti-3807	197	14	the	the	DET
ajfti-3807	197	15	need	need	NOUN
ajfti-3807	197	16	for	for	SCONJ
ajfti-3807	197	17	banks	bank	NOUN
ajfti-3807	197	18	to	to	PART
ajfti-3807	197	19	package	package	VERB
ajfti-3807	197	20	their	their	PRON
ajfti-3807	197	21	services	service	NOUN
ajfti-3807	197	22	for	for	SCONJ
ajfti-3807	197	23	them	they	PRON
ajfti-3807	197	24	to	to	PART
ajfti-3807	197	25	be	be	AUX
ajfti-3807	197	26	compatible	compatible	ADJ
ajfti-3807	197	27	with	with	ADP
ajfti-3807	197	28	what	what	PRON
ajfti-3807	197	29	the	the	DET
ajfti-3807	197	30	african	african	ADJ
ajfti-3807	197	31	sudanese	sudanese	ADJ
ajfti-3807	197	32	culture	culture	NOUN
ajfti-3807	197	33	prefers	prefer	VERB
ajfti-3807	197	34	.	.	PUNCT
ajfti-3807	198	1	security	security	NOUN
ajfti-3807	198	2	and	and	CCONJ
ajfti-3807	198	3	credibility	credibility	NOUN
ajfti-3807	198	4	are	be	AUX
ajfti-3807	198	5	important	important	ADJ
ajfti-3807	198	6	,	,	PUNCT
ajfti-3807	198	7	but	but	CCONJ
ajfti-3807	198	8	this	this	PRON
ajfti-3807	198	9	does	do	AUX
ajfti-3807	198	10	not	not	PART
ajfti-3807	198	11	surely	surely	ADV
ajfti-3807	198	12	impact	impact	VERB
ajfti-3807	198	13	adoption	adoption	NOUN
ajfti-3807	198	14	(	(	PUNCT
ajfti-3807	198	15	the	the	DET
ajfti-3807	198	16	crafting	crafting	NOUN
ajfti-3807	198	17	of	of	ADP
ajfti-3807	198	18	the	the	DET
ajfti-3807	198	19	block	block	NOUN
ajfti-3807	198	20	chain	chain	NOUN
ajfti-3807	198	21	system	system	NOUN
ajfti-3807	198	22	can	can	AUX
ajfti-3807	198	23	not	not	PART
ajfti-3807	198	24	point	point	VERB
ajfti-3807	198	25	to	to	ADP
ajfti-3807	198	26	any	any	DET
ajfti-3807	198	27	factor	factor	NOUN
ajfti-3807	198	28	but	but	CCONJ
ajfti-3807	198	29	in	in	ADP
ajfti-3807	198	30	the	the	DET
ajfti-3807	198	31	case	case	NOUN
ajfti-3807	198	32	of	of	ADP
ajfti-3807	198	33	adoption	adoption	NOUN
ajfti-3807	198	34	)	)	PUNCT
ajfti-3807	198	35	.	.	PUNCT
ajfti-3807	199	1	through	through	ADP
ajfti-3807	199	2	mobile	mobile	ADJ
ajfti-3807	199	3	devices	device	NOUN
ajfti-3807	199	4	use	use	NOUN
ajfti-3807	199	5	as	as	SCONJ
ajfti-3807	199	6	digital	digital	ADJ
ajfti-3807	199	7	commercial	commercial	ADJ
ajfti-3807	199	8	instruments	instrument	NOUN
ajfti-3807	199	9	are	be	AUX
ajfti-3807	199	10	rising	rise	VERB
ajfti-3807	199	11	;	;	PUNCT
ajfti-3807	199	12	millions	million	NOUN
ajfti-3807	199	13	worldwide	worldwide	ADV
ajfti-3807	199	14	can	can	AUX
ajfti-3807	199	15	now	now	ADV
ajfti-3807	199	16	receive	receive	VERB
ajfti-3807	199	17	quick	quick	ADJ
ajfti-3807	199	18	,	,	PUNCT
ajfti-3807	199	19	low	low	ADJ
ajfti-3807	199	20	cost	cost	NOUN
ajfti-3807	199	21	and	and	CCONJ
ajfti-3807	199	22	safe	safe	ADJ
ajfti-3807	199	23	money	money	NOUN
ajfti-3807	199	24	services	service	NOUN
ajfti-3807	199	25	.	.	PUNCT
ajfti-3807	200	1	yet	yet	ADV
ajfti-3807	200	2	,	,	PUNCT
ajfti-3807	200	3	there	there	PRON
ajfti-3807	200	4	are	be	VERB
ajfti-3807	200	5	some	some	DET
ajfti-3807	200	6	limitations	limitation	NOUN
ajfti-3807	200	7	that	that	PRON
ajfti-3807	200	8	stop	stop	VERB
ajfti-3807	200	9	tam	tam	NOUN
ajfti-3807	200	10	constructs	construct	NOUN
ajfti-3807	200	11	from	from	ADP
ajfti-3807	200	12	fully	fully	ADV
ajfti-3807	200	13	understanding	understand	VERB
ajfti-3807	200	14	sudanese	sudanese	ADJ
ajfti-3807	200	15	behavior	behavior	NOUN
ajfti-3807	200	16	toward	toward	ADP
ajfti-3807	200	17	the	the	DET
ajfti-3807	200	18	switch	switch	NOUN
ajfti-3807	200	19	.	.	PUNCT
ajfti-3807	201	1	this	this	DET
ajfti-3807	201	2	study	study	NOUN
ajfti-3807	201	3	highlights	highlight	VERB
ajfti-3807	201	4	the	the	DET
ajfti-3807	201	5	need	need	NOUN
ajfti-3807	201	6	for	for	ADP
ajfti-3807	201	7	a	a	DET
ajfti-3807	201	8	deep	deep	ADJ
ajfti-3807	201	9	knowledge	knowledge	NOUN
ajfti-3807	201	10	of	of	ADP
ajfti-3807	201	11	the	the	DET
ajfti-3807	201	12	non	non	ADJ
ajfti-3807	201	13	-	-	ADJ
ajfti-3807	201	14	traditional	traditional	ADJ
ajfti-3807	201	15	factors	factor	NOUN
ajfti-3807	201	16	that	that	PRON
ajfti-3807	201	17	fuel	fuel	VERB
ajfti-3807	201	18	the	the	DET
ajfti-3807	201	19	growth	growth	NOUN
ajfti-3807	201	20	of	of	ADP
ajfti-3807	201	21	electronic	electronic	ADJ
ajfti-3807	201	22	payment	payment	NOUN
ajfti-3807	201	23	systems	system	NOUN
ajfti-3807	201	24	particularly	particularly	ADV
ajfti-3807	201	25	in	in	ADP
ajfti-3807	201	26	sudan	sudan	PROPN
ajfti-3807	201	27	.	.	PUNCT
ajfti-3807	202	1	this	this	DET
ajfti-3807	202	2	information	information	NOUN
ajfti-3807	202	3	can	can	AUX
ajfti-3807	202	4	strategically	strategically	ADV
ajfti-3807	202	5	guide	guide	VERB
ajfti-3807	202	6	government	government	NOUN
ajfti-3807	202	7	,	,	PUNCT
ajfti-3807	202	8	business	business	NOUN
ajfti-3807	202	9	,	,	PUNCT
ajfti-3807	202	10	or	or	CCONJ
ajfti-3807	202	11	other	other	ADJ
ajfti-3807	202	12	social	social	ADJ
ajfti-3807	202	13	parties	party	NOUN
ajfti-3807	202	14	in	in	ADP
ajfti-3807	202	15	enhancing	enhance	VERB
ajfti-3807	202	16	the	the	DET
ajfti-3807	202	17	effectiveness	effectiveness	NOUN
ajfti-3807	202	18	and	and	CCONJ
ajfti-3807	202	19	acceptance	acceptance	NOUN
ajfti-3807	202	20	of	of	ADP
ajfti-3807	202	21	electronic	electronic	ADJ
ajfti-3807	202	22	payment	payment	NOUN
ajfti-3807	202	23	systems	system	NOUN
ajfti-3807	202	24	in	in	ADP
ajfti-3807	202	25	the	the	DET
ajfti-3807	202	26	future	future	NOUN
ajfti-3807	202	27	.	.	PUNCT
ajfti-3807	203	1	reference	reference	NOUN
ajfti-3807	203	2	abad	abad	PROPN
ajfti-3807	203	3	-	-	PUNCT
ajfti-3807	203	4	segura	segura	PROPN
ajfti-3807	203	5	,	,	PUNCT
ajfti-3807	203	6	e.	e.	PROPN
ajfti-3807	203	7	,	,	PUNCT
ajfti-3807	203	8	gonzález	gonzález	PROPN
ajfti-3807	203	9	-	-	PUNCT
ajfti-3807	203	10	zamar	zamar	PROPN
ajfti-3807	203	11	,	,	PUNCT
ajfti-3807	203	12	m.	m.	NOUN
ajfti-3807	203	13	d.	d.	PROPN
ajfti-3807	203	14	,	,	PUNCT
ajfti-3807	203	15	lópezmeneses	lópezmenese	NOUN
ajfti-3807	203	16	,	,	PUNCT
ajfti-3807	203	17	e.	e.	PROPN
ajfti-3807	203	18	,	,	PUNCT
ajfti-3807	203	19	&	&	CCONJ
ajfti-3807	203	20	vázquez	vázquez	PROPN
ajfti-3807	203	21	-	-	PUNCT
ajfti-3807	203	22	cano	cano	PROPN
ajfti-3807	203	23	,	,	PUNCT
ajfti-3807	203	24	e.	e.	PROPN
ajfti-3807	203	25	(	(	PUNCT
ajfti-3807	203	26	2020	2020	NUM
ajfti-3807	203	27	)	)	PUNCT
ajfti-3807	203	28	.	.	PUNCT
ajfti-3807	204	1	financial	financial	ADJ
ajfti-3807	204	2	technology	technology	NOUN
ajfti-3807	204	3	:	:	PUNCT
ajfti-3807	204	4	review	review	NOUN
ajfti-3807	204	5	of	of	ADP
ajfti-3807	204	6	trends	trend	NOUN
ajfti-3807	204	7	,	,	PUNCT
ajfti-3807	204	8	approaches	approach	NOUN
ajfti-3807	204	9	and	and	CCONJ
ajfti-3807	204	10	management	management	NOUN
ajfti-3807	204	11	.	.	PUNCT
ajfti-3807	205	1	mathematics	mathematic	NOUN
ajfti-3807	205	2	,	,	PUNCT
ajfti-3807	205	3	8(6	8(6	NUM
ajfti-3807	205	4	)	)	PUNCT
ajfti-3807	205	5	,	,	PUNCT
ajfti-3807	205	6	951	951	NUM
ajfti-3807	205	7	.	.	PUNCT
ajfti-3807	206	1	ahmad	ahmad	PROPN
ajfti-3807	206	2	,	,	PUNCT
ajfti-3807	206	3	s.	s.	PROPN
ajfti-3807	206	4	,	,	PUNCT
ajfti-3807	206	5	bhatti	bhatti	PROPN
ajfti-3807	206	6	,	,	PUNCT
ajfti-3807	206	7	s.	s.	PROPN
ajfti-3807	206	8	h.	h.	PROPN
ajfti-3807	206	9	,	,	PUNCT
ajfti-3807	206	10	&	&	CCONJ
ajfti-3807	206	11	hwang	hwang	PROPN
ajfti-3807	206	12	,	,	PUNCT
ajfti-3807	206	13	y.	y.	PROPN
ajfti-3807	206	14	(	(	PUNCT
ajfti-3807	206	15	2020	2020	NUM
ajfti-3807	206	16	)	)	PUNCT
ajfti-3807	206	17	.	.	PUNCT
ajfti-3807	207	1	e	e	X
ajfti-3807	207	2	-	-	NOUN
ajfti-3807	207	3	service	service	ADJ
ajfti-3807	207	4	quality	quality	NOUN
ajfti-3807	207	5	and	and	CCONJ
ajfti-3807	207	6	actual	actual	ADJ
ajfti-3807	207	7	use	use	NOUN
ajfti-3807	207	8	of	of	ADP
ajfti-3807	207	9	e	e	NOUN
ajfti-3807	207	10	-	-	NOUN
ajfti-3807	207	11	banking	banking	NOUN
ajfti-3807	207	12	:	:	PUNCT
ajfti-3807	207	13	explanation	explanation	NOUN
ajfti-3807	207	14	through	through	ADP
ajfti-3807	207	15	the	the	DET
ajfti-3807	207	16	technology	technology	NOUN
ajfti-3807	207	17	acceptance	acceptance	NOUN
ajfti-3807	207	18	model	model	NOUN
ajfti-3807	207	19	.	.	PUNCT
ajfti-3807	208	1	information	information	NOUN
ajfti-3807	208	2	development	development	PROPN
ajfti-3807	208	3	,	,	PUNCT
ajfti-3807	208	4	36(4	36(4	NUM
ajfti-3807	208	5	)	)	PUNCT
ajfti-3807	208	6	,	,	PUNCT
ajfti-3807	208	7	503	503	NUM
ajfti-3807	208	8	-	-	SYM
ajfti-3807	208	9	519	519	NUM
ajfti-3807	208	10	.	.	PUNCT
ajfti-3807	209	1	ahmed	ahme	VERB
ajfti-3807	209	2	,	,	PUNCT
ajfti-3807	209	3	a.	a.	PROPN
ajfti-3807	209	4	a.	a.	PROPN
ajfti-3807	209	5	w.	w.	PROPN
ajfti-3807	209	6	,	,	PUNCT
ajfti-3807	209	7	markendahl	markendahl	PROPN
ajfti-3807	209	8	,	,	PUNCT
ajfti-3807	209	9	j.	j.	PROPN
ajfti-3807	209	10	,	,	PUNCT
ajfti-3807	209	11	&	&	CCONJ
ajfti-3807	209	12	ghanbari	ghanbari	PROPN
ajfti-3807	209	13	,	,	PUNCT
ajfti-3807	209	14	a.	a.	NOUN
ajfti-3807	209	15	(	(	PUNCT
ajfti-3807	209	16	2014	2014	NUM
ajfti-3807	209	17	)	)	PUNCT
ajfti-3807	209	18	.	.	PUNCT
ajfti-3807	210	1	the	the	DET
ajfti-3807	210	2	incentives	incentive	NOUN
ajfti-3807	210	3	and	and	CCONJ
ajfti-3807	210	4	challenges	challenge	NOUN
ajfti-3807	210	5	of	of	ADP
ajfti-3807	210	6	delivering	deliver	VERB
ajfti-3807	210	7	linear	linear	NOUN
ajfti-3807	210	8	broadcasting	broadcasting	NOUN
ajfti-3807	210	9	services	service	NOUN
ajfti-3807	210	10	over	over	ADP
ajfti-3807	210	11	cellular	cellular	ADJ
ajfti-3807	210	12	networks	network	NOUN
ajfti-3807	210	13	in	in	ADP
ajfti-3807	210	14	developing	develop	VERB
ajfti-3807	210	15	countries	country	NOUN
ajfti-3807	210	16	:	:	PUNCT
ajfti-3807	210	17	sudan	sudan	PROPN
ajfti-3807	210	18	as	as	ADP
ajfti-3807	210	19	a	a	DET
ajfti-3807	210	20	case	case	NOUN
ajfti-3807	210	21	study	study	NOUN
ajfti-3807	210	22	.	.	PUNCT
ajfti-3807	211	1	the	the	DET
ajfti-3807	211	2	25th	25th	ADJ
ajfti-3807	211	3	european	european	ADJ
ajfti-3807	211	4	regional	regional	ADJ
ajfti-3807	211	5	conference	conference	NOUN
ajfti-3807	211	6	of	of	ADP
ajfti-3807	211	7	the	the	DET
ajfti-3807	211	8	international	international	ADJ
ajfti-3807	211	9	telecommunications	telecommunication	NOUN
ajfti-3807	211	10	society	society	NOUN
ajfti-3807	211	11	,	,	PUNCT
ajfti-3807	211	12	brussels	brussels	PROPN
ajfti-3807	211	13	,	,	PUNCT
ajfti-3807	211	14	belgium	belgium	NOUN
ajfti-3807	211	15	,	,	PUNCT
ajfti-3807	211	16	22nd	22nd	NUM
ajfti-3807	211	17	–	–	PUNCT
ajfti-3807	211	18	25th	25th	NOUN
ajfti-3807	211	19	june	june	PROPN
ajfti-3807	211	20	2014	2014	NUM
ajfti-3807	211	21	.	.	PUNCT
ajfti-3807	212	1	ahmed	ahmed	PROPN
ajfti-3807	212	2	,	,	PUNCT
ajfti-3807	212	3	e.	e.	PROPN
ajfti-3807	212	4	m.	m.	PROPN
ajfti-3807	212	5	,	,	PUNCT
ajfti-3807	212	6	&	&	CCONJ
ajfti-3807	212	7	ammar	ammar	PROPN
ajfti-3807	212	8	,	,	PUNCT
ajfti-3807	212	9	a.	a.	NOUN
ajfti-3807	212	10	(	(	PUNCT
ajfti-3807	212	11	2020	2020	NUM
ajfti-3807	212	12	)	)	PUNCT
ajfti-3807	212	13	.	.	PUNCT
ajfti-3807	213	1	achieving	achieve	VERB
ajfti-3807	213	2	sustainability	sustainability	NOUN
ajfti-3807	213	3	in	in	ADP
ajfti-3807	213	4	sudan	sudan	PROPN
ajfti-3807	213	5	through	through	ADP
ajfti-3807	213	6	microfinance	microfinance	NOUN
ajfti-3807	213	7	and	and	CCONJ
ajfti-3807	213	8	mobile	mobile	ADJ
ajfti-3807	213	9	banking	banking	NOUN
ajfti-3807	213	10	.	.	PUNCT
ajfti-3807	214	1	in	in	ADP
ajfti-3807	214	2	enhancing	enhance	VERB
ajfti-3807	214	3	financial	financial	ADJ
ajfti-3807	214	4	inclusion	inclusion	NOUN
ajfti-3807	214	5	through	through	ADP
ajfti-3807	214	6	islamic	islamic	ADJ
ajfti-3807	214	7	finance	finance	PROPN
ajfti-3807	214	8	(	(	PUNCT
ajfti-3807	214	9	vol	vol	NOUN
ajfti-3807	214	10	.	.	PROPN
ajfti-3807	214	11	2	2	NUM
ajfti-3807	214	12	,	,	PUNCT
ajfti-3807	214	13	pp	pp	ADJ
ajfti-3807	214	14	.	.	PUNCT
ajfti-3807	214	15	297–325	297–325	NUM
ajfti-3807	214	16	)	)	PUNCT
ajfti-3807	214	17	.	.	PUNCT
ajfti-3807	215	1	al	al	PROPN
ajfti-3807	215	2	-	-	PUNCT
ajfti-3807	215	3	harbi	harbi	PROPN
ajfti-3807	215	4	,	,	PUNCT
ajfti-3807	215	5	a.	a.	NOUN
ajfti-3807	215	6	(	(	PUNCT
ajfti-3807	215	7	2020	2020	NUM
ajfti-3807	215	8	)	)	PUNCT
ajfti-3807	215	9	.	.	PUNCT
ajfti-3807	216	1	banks	bank	NOUN
ajfti-3807	216	2	’	'	PUNCT
ajfti-3807	216	3	profitability	profitability	NOUN
ajfti-3807	216	4	in	in	ADP
ajfti-3807	216	5	an	an	DET
ajfti-3807	216	6	islamized	islamize	VERB
ajfti-3807	216	7	financial	financial	ADJ
ajfti-3807	216	8	system	system	NOUN
ajfti-3807	216	9	:	:	PUNCT
ajfti-3807	216	10	comparative	comparative	ADJ
ajfti-3807	216	11	study	study	NOUN
ajfti-3807	216	12	between	between	ADP
ajfti-3807	216	13	iran	iran	PROPN
ajfti-3807	216	14	and	and	CCONJ
ajfti-3807	216	15	sudan	sudan	PROPN
ajfti-3807	216	16	.	.	PUNCT
ajfti-3807	217	1	international	international	ADJ
ajfti-3807	217	2	journal	journal	PROPN
ajfti-3807	217	3	of	of	ADP
ajfti-3807	217	4	islamic	islamic	PROPN
ajfti-3807	217	5	banking	banking	PROPN
ajfti-3807	217	6	and	and	CCONJ
ajfti-3807	217	7	finance	finance	NOUN
ajfti-3807	217	8	research	research	NOUN
ajfti-3807	217	9	,	,	PUNCT
ajfti-3807	217	10	4(1	4(1	NOUN
ajfti-3807	217	11	)	)	PUNCT
ajfti-3807	217	12	,	,	PUNCT
ajfti-3807	217	13	8	8	NUM
ajfti-3807	217	14	-	-	SYM
ajfti-3807	217	15	14	14	NUM
ajfti-3807	217	16	.	.	PUNCT
ajfti-3807	218	1	aldammagh	aldammagh	PROPN
ajfti-3807	218	2	,	,	PUNCT
ajfti-3807	218	3	z.	z.	PROPN
ajfti-3807	218	4	,	,	PUNCT
ajfti-3807	218	5	abdeljawad	abdeljawad	PROPN
ajfti-3807	218	6	,	,	PUNCT
ajfti-3807	218	7	r.	r.	PROPN
ajfti-3807	218	8	,	,	PUNCT
ajfti-3807	218	9	&	&	CCONJ
ajfti-3807	218	10	obaid	obaid	PROPN
ajfti-3807	218	11	,	,	PUNCT
ajfti-3807	218	12	t.	t.	PROPN
ajfti-3807	218	13	(	(	PUNCT
ajfti-3807	218	14	2021	2021	NUM
ajfti-3807	218	15	)	)	PUNCT
ajfti-3807	218	16	.	.	PUNCT
ajfti-3807	219	1	predicting	predict	VERB
ajfti-3807	219	2	mobile	mobile	ADJ
ajfti-3807	219	3	banking	banking	NOUN
ajfti-3807	219	4	adoption	adoption	NOUN
ajfti-3807	219	5	:	:	PUNCT
ajfti-3807	219	6	an	an	DET
ajfti-3807	219	7	integration	integration	NOUN
ajfti-3807	219	8	of	of	ADP
ajfti-3807	219	9	tam	tam	PROPN
ajfti-3807	219	10	and	and	CCONJ
ajfti-3807	219	11	tpb	tpb	VERB
ajfti-3807	219	12	with	with	ADP
ajfti-3807	219	13	trust	trust	NOUN
ajfti-3807	219	14	and	and	CCONJ
ajfti-3807	219	15	perceived	perceive	VERB
ajfti-3807	219	16	risk	risk	NOUN
ajfti-3807	219	17	.	.	PUNCT
ajfti-3807	220	1	financial	financial	ADJ
ajfti-3807	220	2	internet	internet	PROPN
ajfti-3807	220	3	quarterly	quarterly	ADV
ajfti-3807	220	4	,	,	PUNCT
ajfti-3807	220	5	17(3	17(3	NUM
ajfti-3807	220	6	)	)	PUNCT
ajfti-3807	220	7	,	,	PUNCT
ajfti-3807	220	8	35	35	NUM
ajfti-3807	220	9	-	-	SYM
ajfti-3807	220	10	46	46	NUM
ajfti-3807	220	11	.	.	PUNCT
ajfti-3807	221	1	alhanatleh	alhanatleh	PROPN
ajfti-3807	221	2	,	,	PUNCT
ajfti-3807	221	3	h.	h.	PROPN
ajfti-3807	221	4	(	(	PUNCT
ajfti-3807	221	5	2021	2021	NUM
ajfti-3807	221	6	)	)	PUNCT
ajfti-3807	221	7	.	.	PUNCT
ajfti-3807	222	1	the	the	DET
ajfti-3807	222	2	effect	effect	NOUN
ajfti-3807	222	3	of	of	ADP
ajfti-3807	222	4	electronic	electronic	ADJ
ajfti-3807	222	5	banking	banking	NOUN
ajfti-3807	222	6	services	service	NOUN
ajfti-3807	222	7	usage	usage	NOUN
ajfti-3807	222	8	on	on	ADP
ajfti-3807	222	9	clients	client	NOUN
ajfti-3807	222	10	electronic	electronic	ADJ
ajfti-3807	222	11	loyalty	loyalty	NOUN
ajfti-3807	222	12	.	.	PUNCT
ajfti-3807	223	1	int	int	NOUN
ajfti-3807	223	2	.	.	PUNCT
ajfti-3807	224	1	j.	j.	PROPN
ajfti-3807	224	2	hum	hum	PROPN
ajfti-3807	224	3	.	.	PUNCT
ajfti-3807	225	1	capital	capital	NOUN
ajfti-3807	225	2	urban	urban	ADJ
ajfti-3807	225	3	manage	manage	NOUN
ajfti-3807	225	4	,	,	PUNCT
ajfti-3807	225	5	6(4	6(4	NUM
ajfti-3807	225	6	)	)	PUNCT
ajfti-3807	225	7	,	,	PUNCT
ajfti-3807	225	8	461	461	NUM
ajfti-3807	225	9	-	-	SYM
ajfti-3807	225	10	476	476	NUM
ajfti-3807	225	11	.	.	PUNCT
ajfti-3807	226	1	aribake	aribake	PROPN
ajfti-3807	226	2	,	,	PUNCT
ajfti-3807	226	3	f.	f.	PROPN
ajfti-3807	226	4	o.	o.	PROPN
ajfti-3807	226	5	,	,	PUNCT
ajfti-3807	226	6	&	&	CCONJ
ajfti-3807	226	7	mat	mat	PROPN
ajfti-3807	226	8	aji	aji	PROPN
ajfti-3807	226	9	,	,	PUNCT
ajfti-3807	226	10	z.	z.	PROPN
ajfti-3807	226	11	(	(	PUNCT
ajfti-3807	226	12	2020	2020	NUM
ajfti-3807	226	13	)	)	PUNCT
ajfti-3807	226	14	.	.	PUNCT
ajfti-3807	227	1	the	the	DET
ajfti-3807	227	2	mediating	mediate	VERB
ajfti-3807	227	3	role	role	NOUN
ajfti-3807	227	4	of	of	ADP
ajfti-3807	227	5	perceived	perceive	VERB
ajfti-3807	227	6	security	security	NOUN
ajfti-3807	227	7	on	on	ADP
ajfti-3807	227	8	the	the	DET
ajfti-3807	227	9	relationship	relationship	NOUN
ajfti-3807	227	10	between	between	ADP
ajfti-3807	227	11	factors	factor	NOUN
ajfti-3807	227	12	on	on	ADP
ajfti-3807	227	13	internet	internet	NOUN
ajfti-3807	227	14	banking	banking	NOUN
ajfti-3807	227	15	adoption	adoption	NOUN
ajfti-3807	227	16	and	and	CCONJ
ajfti-3807	227	17	perceived	perceive	VERB
ajfti-3807	227	18	usefulness	usefulness	NOUN
ajfti-3807	227	19	.	.	PUNCT
ajfti-3807	228	1	these	these	DET
ajfti-3807	228	2	correlations	correlation	NOUN
ajfti-3807	228	3	collectively	collectively	ADV
ajfti-3807	228	4	provide	provide	VERB
ajfti-3807	228	5	valuable	valuable	ADJ
ajfti-3807	228	6	insights	insight	NOUN
ajfti-3807	228	7	into	into	ADP
ajfti-3807	228	8	the	the	DET
ajfti-3807	228	9	interplay	interplay	NOUN
ajfti-3807	228	10	between	between	ADP
ajfti-3807	228	11	perceived	perceive	VERB
ajfti-3807	228	12	utility	utility	NOUN
ajfti-3807	228	13	,	,	PUNCT
ajfti-3807	228	14	ease	ease	NOUN
ajfti-3807	228	15	of	of	ADP
ajfti-3807	228	16	use	use	NOUN
ajfti-3807	228	17	,	,	PUNCT
ajfti-3807	228	18	trust	trust	NOUN
ajfti-3807	228	19	,	,	PUNCT
ajfti-3807	228	20	cultural	cultural	ADJ
ajfti-3807	228	21	factors	factor	NOUN
ajfti-3807	228	22	,	,	PUNCT
ajfti-3807	228	23	behavioral	behavioral	ADJ
ajfti-3807	228	24	intentions	intention	NOUN
ajfti-3807	228	25	,	,	PUNCT
ajfti-3807	228	26	and	and	CCONJ
ajfti-3807	228	27	actual	actual	ADJ
ajfti-3807	228	28	usage	usage	NOUN
ajfti-3807	228	29	of	of	ADP
ajfti-3807	228	30	internet	internet	NOUN
ajfti-3807	228	31	banking	banking	NOUN
ajfti-3807	228	32	services	service	NOUN
ajfti-3807	228	33	.	.	PUNCT
ajfti-3807	229	1	discussion	discussion	NOUN
ajfti-3807	229	2	the	the	DET
ajfti-3807	229	3	rapid	rapid	ADJ
ajfti-3807	229	4	growth	growth	NOUN
ajfti-3807	229	5	of	of	ADP
ajfti-3807	229	6	information	information	NOUN
ajfti-3807	229	7	technology	technology	NOUN
ajfti-3807	229	8	and	and	CCONJ
ajfti-3807	229	9	communication	communication	NOUN
ajfti-3807	229	10	has	have	AUX
ajfti-3807	229	11	significantly	significantly	ADV
ajfti-3807	229	12	impacted	impact	VERB
ajfti-3807	229	13	global	global	ADJ
ajfti-3807	229	14	lifestyles	lifestyle	NOUN
ajfti-3807	229	15	,	,	PUNCT
ajfti-3807	229	16	particularly	particularly	ADV
ajfti-3807	229	17	in	in	ADP
ajfti-3807	229	18	business	business	NOUN
ajfti-3807	229	19	conduct	conduct	NOUN
ajfti-3807	229	20	,	,	PUNCT
ajfti-3807	229	21	with	with	ADP
ajfti-3807	229	22	electronic	electronic	ADJ
ajfti-3807	229	23	payment	payment	NOUN
ajfti-3807	229	24	becoming	become	VERB
ajfti-3807	229	25	a	a	DET
ajfti-3807	229	26	key	key	ADJ
ajfti-3807	229	27	aspect	aspect	NOUN
ajfti-3807	229	28	(	(	PUNCT
ajfti-3807	229	29	sleiman	sleiman	NOUN
ajfti-3807	229	30	et	et	PROPN
ajfti-3807	229	31	al	al	PROPN
ajfti-3807	229	32	.	.	PROPN
ajfti-3807	229	33	,	,	PUNCT
ajfti-3807	229	34	2021	2021	NUM
ajfti-3807	229	35	)	)	PUNCT
ajfti-3807	229	36	.	.	PUNCT
ajfti-3807	230	1	the	the	DET
ajfti-3807	230	2	experimental	experimental	ADJ
ajfti-3807	230	3	examination	examination	NOUN
ajfti-3807	230	4	of	of	ADP
ajfti-3807	230	5	technology	technology	NOUN
ajfti-3807	230	6	acceptance	acceptance	NOUN
ajfti-3807	230	7	model	model	NOUN
ajfti-3807	230	8	(	(	PUNCT
ajfti-3807	230	9	tam	tam	PROPN
ajfti-3807	230	10	)	)	PUNCT
ajfti-3807	230	11	in	in	ADP
ajfti-3807	230	12	e	e	NOUN
ajfti-3807	230	13	-	-	NOUN
ajfti-3807	230	14	payment	payment	NOUN
ajfti-3807	230	15	system	system	NOUN
ajfti-3807	230	16	dimensions	dimension	NOUN
ajfti-3807	230	17	in	in	ADP
ajfti-3807	230	18	sudan	sudan	PROPN
ajfti-3807	230	19	is	be	AUX
ajfti-3807	230	20	important	important	ADJ
ajfti-3807	230	21	since	since	SCONJ
ajfti-3807	230	22	it	it	PRON
ajfti-3807	230	23	affords	afford	VERB
ajfti-3807	230	24	insights	insight	NOUN
ajfti-3807	230	25	on	on	ADP
ajfti-3807	230	26	the	the	DET
ajfti-3807	230	27	determinants	determinant	NOUN
ajfti-3807	230	28	of	of	ADP
ajfti-3807	230	29	internet	internet	NOUN
ajfti-3807	230	30	financial	financial	ADJ
ajfti-3807	230	31	engineering	engineering	NOUN
ajfti-3807	230	32	in	in	ADP
ajfti-3807	230	33	the	the	DET
ajfti-3807	230	34	country	country	NOUN
ajfti-3807	230	35	(	(	PUNCT
ajfti-3807	230	36	uche	uche	PROPN
ajfti-3807	230	37	et	et	PROPN
ajfti-3807	230	38	al	al	PROPN
ajfti-3807	230	39	.	.	PROPN
ajfti-3807	230	40	,	,	PUNCT
ajfti-3807	230	41	2021	2021	NUM
ajfti-3807	230	42	)	)	PUNCT
ajfti-3807	230	43	.	.	PUNCT
ajfti-3807	231	1	the	the	DET
ajfti-3807	231	2	findings	finding	NOUN
ajfti-3807	231	3	were	be	AUX
ajfti-3807	231	4	concluded	conclude	VERB
ajfti-3807	231	5	with	with	ADP
ajfti-3807	231	6	the	the	DET
ajfti-3807	231	7	point	point	NOUN
ajfti-3807	231	8	to	to	ADP
ajfti-3807	231	9	the	the	DET
ajfti-3807	231	10	high	high	ADJ
ajfti-3807	231	11	-	-	PUNCT
ajfti-3807	231	12	level	level	NOUN
ajfti-3807	231	13	utility	utility	NOUN
ajfti-3807	231	14	,	,	PUNCT
ajfti-3807	231	15	user	user	NOUN
ajfti-3807	231	16	friendly	friendly	ADJ
ajfti-3807	231	17	,	,	PUNCT
ajfti-3807	231	18	mutually	mutually	ADV
ajfti-3807	231	19	trust	trust	NOUN
ajfti-3807	231	20	management	management	NOUN
ajfti-3807	231	21	and	and	CCONJ
ajfti-3807	231	22	cultural	cultural	ADJ
ajfti-3807	231	23	aspects	aspect	NOUN
ajfti-3807	231	24	that	that	PRON
ajfti-3807	231	25	influence	influence	VERB
ajfti-3807	231	26	the	the	DET
ajfti-3807	231	27	customers	customer	NOUN
ajfti-3807	231	28	’	’	PART
ajfti-3807	231	29	actual	actual	ADJ
ajfti-3807	231	30	usage	usage	NOUN
ajfti-3807	231	31	of	of	ADP
ajfti-3807	231	32	the	the	DET
ajfti-3807	231	33	internet	internet	NOUN
ajfti-3807	231	34	banking	banking	NOUN
ajfti-3807	231	35	products	product	NOUN
ajfti-3807	231	36	(	(	PUNCT
ajfti-3807	231	37	lok	lok	PROPN
ajfti-3807	231	38	,	,	PUNCT
ajfti-3807	231	39	2015	2015	NUM
ajfti-3807	231	40	)	)	PUNCT
ajfti-3807	231	41	.	.	PUNCT
ajfti-3807	232	1	the	the	DET
ajfti-3807	232	2	growth	growth	NOUN
ajfti-3807	232	3	of	of	ADP
ajfti-3807	232	4	electronic	electronic	ADJ
ajfti-3807	232	5	payment	payment	NOUN
ajfti-3807	232	6	systems	system	NOUN
ajfti-3807	232	7	,	,	PUNCT
ajfti-3807	232	8	which	which	PRON
ajfti-3807	232	9	involve	involve	VERB
ajfti-3807	232	10	electronic	electronic	ADJ
ajfti-3807	232	11	transactions	transaction	NOUN
ajfti-3807	232	12	between	between	ADP
ajfti-3807	232	13	consumers	consumer	NOUN
ajfti-3807	232	14	and	and	CCONJ
ajfti-3807	232	15	retailers	retailer	NOUN
ajfti-3807	232	16	,	,	PUNCT
ajfti-3807	232	17	has	have	AUX
ajfti-3807	232	18	been	be	AUX
ajfti-3807	232	19	driven	drive	VERB
ajfti-3807	232	20	by	by	ADP
ajfti-3807	232	21	the	the	DET
ajfti-3807	232	22	widespread	widespread	ADJ
ajfti-3807	232	23	use	use	NOUN
ajfti-3807	232	24	of	of	ADP
ajfti-3807	232	25	internet	internet	NOUN
ajfti-3807	232	26	-	-	PUNCT
ajfti-3807	232	27	based	base	VERB
ajfti-3807	232	28	banking	banking	NOUN
ajfti-3807	232	29	and	and	CCONJ
ajfti-3807	232	30	shopping	shopping	NOUN
ajfti-3807	232	31	,	,	PUNCT
ajfti-3807	232	32	playing	play	VERB
ajfti-3807	232	33	a	a	DET
ajfti-3807	232	34	crucial	crucial	ADJ
ajfti-3807	232	35	role	role	NOUN
ajfti-3807	232	36	in	in	ADP
ajfti-3807	232	37	contemporary	contemporary	ADJ
ajfti-3807	232	38	electronic	electronic	ADJ
ajfti-3807	232	39	commerce	commerce	NOUN
ajfti-3807	232	40	(	(	PUNCT
ajfti-3807	232	41	hassan	hassan	PROPN
ajfti-3807	232	42	et	et	PROPN
ajfti-3807	232	43	al	al	PROPN
ajfti-3807	232	44	.	.	PROPN
ajfti-3807	232	45	,	,	PUNCT
ajfti-3807	232	46	2020	2020	NUM
ajfti-3807	232	47	)	)	PUNCT
ajfti-3807	232	48	.	.	PUNCT
ajfti-3807	233	1	technological	technological	ADJ
ajfti-3807	233	2	innovation	innovation	NOUN
ajfti-3807	233	3	is	be	AUX
ajfti-3807	233	4	a	a	DET
ajfti-3807	233	5	key	key	ADJ
ajfti-3807	233	6	factor	factor	NOUN
ajfti-3807	233	7	in	in	ADP
ajfti-3807	233	8	promoting	promote	VERB
ajfti-3807	233	9	innovative	innovative	ADJ
ajfti-3807	233	10	electronic	electronic	ADJ
ajfti-3807	233	11	communications	communication	NOUN
ajfti-3807	233	12	and	and	CCONJ
ajfti-3807	233	13	transactions	transaction	NOUN
ajfti-3807	233	14	,	,	PUNCT
ajfti-3807	233	15	making	make	VERB
ajfti-3807	233	16	it	it	PRON
ajfti-3807	233	17	an	an	DET
ajfti-3807	233	18	essential	essential	ADJ
ajfti-3807	233	19	antecedent	antecedent	NOUN
ajfti-3807	233	20	(	(	PUNCT
ajfti-3807	233	21	rahman	rahman	PROPN
ajfti-3807	233	22	et	et	PROPN
ajfti-3807	233	23	al	al	PROPN
ajfti-3807	233	24	.	.	PROPN
ajfti-3807	233	25	,	,	PUNCT
ajfti-3807	233	26	2022	2022	NUM
ajfti-3807	233	27	)	)	PUNCT
ajfti-3807	233	28	.	.	PUNCT
ajfti-3807	234	1	overall	overall	ADJ
ajfti-3807	234	2	,	,	PUNCT
ajfti-3807	234	3	useful	useful	ADJ
ajfti-3807	234	4	thinking	thinking	NOUN
ajfti-3807	234	5	and	and	CCONJ
ajfti-3807	234	6	usability	usability	NOUN
ajfti-3807	234	7	were	be	AUX
ajfti-3807	234	8	found	find	VERB
ajfti-3807	234	9	to	to	PART
ajfti-3807	234	10	be	be	AUX
ajfti-3807	234	11	the	the	DET
ajfti-3807	234	12	necessary	necessary	ADJ
ajfti-3807	234	13	factors	factor	NOUN
ajfti-3807	234	14	for	for	ADP
ajfti-3807	234	15	internet	internet	NOUN
ajfti-3807	234	16	banking	banking	NOUN
ajfti-3807	234	17	to	to	PART
ajfti-3807	234	18	be	be	AUX
ajfti-3807	234	19	successful	successful	ADJ
ajfti-3807	234	20	,	,	PUNCT
ajfti-3807	234	21	implying	imply	VERB
ajfti-3807	234	22	that	that	SCONJ
ajfti-3807	234	23	it	it	PRON
ajfti-3807	234	24	is	be	AUX
ajfti-3807	234	25	vital	vital	ADJ
ajfti-3807	234	26	to	to	PART
ajfti-3807	234	27	make	make	VERB
ajfti-3807	234	28	the	the	DET
ajfti-3807	234	29	design	design	NOUN
ajfti-3807	234	30	and	and	CCONJ
ajfti-3807	234	31	functions	function	NOUN
ajfti-3807	234	32	convenient	convenient	ADJ
ajfti-3807	234	33	for	for	ADP
ajfti-3807	234	34	customers	customer	NOUN
ajfti-3807	234	35	because	because	SCONJ
ajfti-3807	234	36	good	good	ADJ
ajfti-3807	234	37	user	user	NOUN
ajfti-3807	234	38	experience	experience	NOUN
ajfti-3807	234	39	is	be	AUX
ajfti-3807	234	40	a	a	DET
ajfti-3807	234	41	key	key	NOUN
ajfti-3807	234	42	to	to	ADP
ajfti-3807	234	43	keeping	keep	VERB
ajfti-3807	234	44	them	they	PRON
ajfti-3807	234	45	satisfied	satisfied	ADJ
ajfti-3807	234	46	and	and	CCONJ
ajfti-3807	234	47	enhance	enhance	VERB
ajfti-3807	234	48	their	their	PRON
ajfti-3807	234	49	banking	banking	NOUN
ajfti-3807	234	50	experiences	experience	NOUN
ajfti-3807	234	51	(	(	PUNCT
ajfti-3807	234	52	chau	chau	NOUN
ajfti-3807	234	53	&	&	CCONJ
ajfti-3807	234	54	lai	lai	PROPN
ajfti-3807	234	55	,	,	PUNCT
ajfti-3807	234	56	2003	2003	NUM
ajfti-3807	234	57	)	)	PUNCT
ajfti-3807	234	58	.	.	PUNCT
ajfti-3807	235	1	furthermore	furthermore	ADV
ajfti-3807	235	2	,	,	PUNCT
ajfti-3807	235	3	the	the	DET
ajfti-3807	235	4	study	study	NOUN
ajfti-3807	235	5	finds	find	VERB
ajfti-3807	235	6	cultural	cultural	ADJ
ajfti-3807	235	7	variables	variable	NOUN
ajfti-3807	235	8	as	as	ADP
ajfti-3807	235	9	a	a	DET
ajfti-3807	235	10	very	very	ADV
ajfti-3807	235	11	powerful	powerful	ADJ
ajfti-3807	235	12	predictor	predictor	NOUN
ajfti-3807	235	13	of	of	ADP
ajfti-3807	235	14	the	the	DET
ajfti-3807	235	15	actual	actual	ADJ
ajfti-3807	235	16	usage	usage	NOUN
ajfti-3807	235	17	,	,	PUNCT
ajfti-3807	235	18	thus	thus	ADV
ajfti-3807	235	19	banks	bank	NOUN
ajfti-3807	235	20	should	should	AUX
ajfti-3807	235	21	try	try	VERB
ajfti-3807	235	22	to	to	PART
ajfti-3807	235	23	put	put	VERB
ajfti-3807	235	24	their	their	PRON
ajfti-3807	235	25	services	service	NOUN
ajfti-3807	235	26	in	in	ADP
ajfti-3807	235	27	a	a	DET
ajfti-3807	235	28	par	par	NOUN
ajfti-3807	235	29	with	with	ADP
ajfti-3807	235	30	the	the	DET
ajfti-3807	235	31	social	social	ADJ
ajfti-3807	235	32	cultural	cultural	ADJ
ajfti-3807	235	33	hues	hue	NOUN
ajfti-3807	235	34	and	and	CCONJ
ajfti-3807	235	35	choices	choice	NOUN
ajfti-3807	235	36	of	of	ADP
ajfti-3807	235	37	the	the	DET
ajfti-3807	235	38	customer	customer	NOUN
ajfti-3807	235	39	in	in	ADP
ajfti-3807	235	40	the	the	DET
ajfti-3807	235	41	sudanese	sudanese	ADJ
ajfti-3807	235	42	society	society	NOUN
ajfti-3807	235	43	(	(	PUNCT
ajfti-3807	235	44	keller	keller	PROPN
ajfti-3807	235	45	&	&	CCONJ
ajfti-3807	235	46	brennan	brennan	PROPN
ajfti-3807	235	47	,	,	PUNCT
ajfti-3807	235	48	2007	2007	NUM
ajfti-3807	235	49	)	)	PUNCT
ajfti-3807	235	50	.	.	PUNCT
ajfti-3807	236	1	there	there	PRON
ajfti-3807	236	2	is	be	VERB
ajfti-3807	236	3	a	a	DET
ajfti-3807	236	4	positive	positive	ADJ
ajfti-3807	236	5	but	but	CCONJ
ajfti-3807	236	6	statistically	statistically	ADV
ajfti-3807	236	7	significant	significant	ADJ
ajfti-3807	236	8	link	link	NOUN
ajfti-3807	236	9	between	between	ADP
ajfti-3807	236	10	security	security	NOUN
ajfti-3807	236	11	and	and	CCONJ
ajfti-3807	236	12	online	online	ADJ
ajfti-3807	236	13	banking	banking	NOUN
ajfti-3807	236	14	usage	usage	NOUN
ajfti-3807	236	15	with	with	ADP
ajfti-3807	236	16	trust	trust	NOUN
ajfti-3807	236	17	,	,	PUNCT
ajfti-3807	236	18	but	but	CCONJ
ajfti-3807	236	19	trust	trust	NOUN
ajfti-3807	236	20	does	do	AUX
ajfti-3807	236	21	n’t	not	PART
ajfti-3807	236	22	significantly	significantly	ADV
ajfti-3807	236	23	influence	influence	VERB
ajfti-3807	236	24	adoption	adoption	NOUN
ajfti-3807	236	25	(	(	PUNCT
ajfti-3807	236	26	aribake	aribake	PROPN
ajfti-3807	236	27	&	&	CCONJ
ajfti-3807	236	28	mat	mat	PROPN
ajfti-3807	236	29	aji	aji	PROPN
ajfti-3807	236	30	,	,	PUNCT
ajfti-3807	236	31	2020	2020	NUM
ajfti-3807	236	32	)	)	PUNCT
ajfti-3807	236	33	.	.	PUNCT
ajfti-3807	237	1	credibility	credibility	NOUN
ajfti-3807	237	2	influences	influence	VERB
ajfti-3807	237	3	internet	internet	NOUN
ajfti-3807	237	4	banking	banking	NOUN
ajfti-3807	237	5	perception	perception	NOUN
ajfti-3807	237	6	,	,	PUNCT
ajfti-3807	237	7	but	but	CCONJ
ajfti-3807	237	8	security	security	NOUN
ajfti-3807	237	9	,	,	PUNCT
ajfti-3807	237	10	reliability	reliability	NOUN
ajfti-3807	237	11	,	,	PUNCT
ajfti-3807	237	12	and	and	CCONJ
ajfti-3807	237	13	context	context	NOUN
ajfti-3807	237	14	limitations	limitation	NOUN
ajfti-3807	237	15	exist	exist	VERB
ajfti-3807	237	16	.	.	PUNCT
ajfti-3807	238	1	tam	tam	PROPN
ajfti-3807	238	2	constructs	construct	NOUN
ajfti-3807	238	3	in	in	ADP
ajfti-3807	238	4	sudan	sudan	PROPN
ajfti-3807	238	5	may	may	AUX
ajfti-3807	238	6	not	not	PART
ajfti-3807	238	7	fully	fully	ADV
ajfti-3807	238	8	explain	explain	VERB
ajfti-3807	238	9	user	user	NOUN
ajfti-3807	238	10	behavior	behavior	NOUN
ajfti-3807	238	11	towards	towards	ADP
ajfti-3807	238	12	switching	switching	NOUN
ajfti-3807	238	13	.	.	PUNCT
ajfti-3807	239	1	mobile	mobile	ADJ
ajfti-3807	239	2	technology	technology	NOUN
ajfti-3807	239	3	is	be	AUX
ajfti-3807	239	4	a	a	DET
ajfti-3807	239	5	crucial	crucial	ADJ
ajfti-3807	239	6	ict	ict	NOUN
ajfti-3807	239	7	financial	financial	ADJ
ajfti-3807	239	8	instrument	instrument	NOUN
ajfti-3807	239	9	in	in	ADP
ajfti-3807	239	10	emerging	emerge	VERB
ajfti-3807	239	11	economies	economy	NOUN
ajfti-3807	239	12	,	,	PUNCT
ajfti-3807	239	13	offering	offer	VERB
ajfti-3807	239	14	fast	fast	ADJ
ajfti-3807	239	15	,	,	PUNCT
ajfti-3807	239	16	affordable	affordable	ADJ
ajfti-3807	239	17	,	,	PUNCT
ajfti-3807	239	18	and	and	CCONJ
ajfti-3807	239	19	secure	secure	VERB
ajfti-3807	239	20	finance	finance	NOUN
ajfti-3807	239	21	to	to	ADP
ajfti-3807	239	22	millions	million	NOUN
ajfti-3807	239	23	worldwide	worldwide	ADV
ajfti-3807	239	24	through	through	ADP
ajfti-3807	239	25	the	the	DET
ajfti-3807	239	26	first	first	ADJ
ajfti-3807	239	27	mobile	mobile	ADJ
ajfti-3807	239	28	banking	banking	NOUN
ajfti-3807	239	29	application	application	NOUN
ajfti-3807	239	30	(	(	PUNCT
ajfti-3807	239	31	sleiman	sleiman	NOUN
ajfti-3807	239	32	et	et	PROPN
ajfti-3807	239	33	al	al	PROPN
ajfti-3807	239	34	.	.	PROPN
ajfti-3807	239	35	,	,	PUNCT
ajfti-3807	239	36	2022	2022	NUM
ajfti-3807	239	37	)	)	PUNCT
ajfti-3807	239	38	.	.	PUNCT
ajfti-3807	240	1	conclusion	conclusion	NOUN
ajfti-3807	240	2	there	there	PRON
ajfti-3807	240	3	are	be	VERB
ajfti-3807	240	4	certain	certain	ADJ
ajfti-3807	240	5	critical	critical	ADJ
ajfti-3807	240	6	issues	issue	NOUN
ajfti-3807	240	7	,	,	PUNCT
ajfti-3807	240	8	such	such	ADJ
ajfti-3807	240	9	as	as	ADP
ajfti-3807	240	10	compliance	compliance	NOUN
ajfti-3807	240	11	with	with	ADP
ajfti-3807	240	12	electronic	electronic	ADJ
ajfti-3807	240	13	payment	payment	NOUN
ajfti-3807	240	14	systems	system	NOUN
ajfti-3807	240	15	and	and	CCONJ
ajfti-3807	240	16	the	the	DET
ajfti-3807	240	17	wider	wide	ADJ
ajfti-3807	240	18	use	use	NOUN
ajfti-3807	240	19	of	of	ADP
ajfti-3807	240	20	internet	internet	NOUN
ajfti-3807	240	21	banking	banking	NOUN
ajfti-3807	240	22	,	,	PUNCT
ajfti-3807	240	23	that	that	PRON
ajfti-3807	240	24	are	be	AUX
ajfti-3807	240	25	pivotal	pivotal	ADJ
ajfti-3807	240	26	to	to	ADP
ajfti-3807	240	27	the	the	DET
ajfti-3807	240	28	issues	issue	NOUN
ajfti-3807	240	29	of	of	ADP
ajfti-3807	240	30	advancement	advancement	NOUN
ajfti-3807	240	31	and	and	CCONJ
ajfti-3807	240	32	education	education	NOUN
ajfti-3807	240	33	.	.	PUNCT
ajfti-3807	241	1	the	the	DET
ajfti-3807	241	2	technology	technology	NOUN
ajfti-3807	241	3	acceptance	acceptance	NOUN
ajfti-3807	241	4	model	model	NOUN
ajfti-3807	241	5	(	(	PUNCT
ajfti-3807	241	6	tam	tam	PROPN
ajfti-3807	241	7	)	)	PUNCT
ajfti-3807	241	8	has	have	AUX
ajfti-3807	241	9	played	play	VERB
ajfti-3807	241	10	a	a	DET
ajfti-3807	241	11	significant	significant	ADJ
ajfti-3807	241	12	role	role	NOUN
ajfti-3807	241	13	in	in	ADP
ajfti-3807	241	14	a	a	DET
ajfti-3807	241	15	country	country	NOUN
ajfti-3807	241	16	’s	’s	PART
ajfti-3807	241	17	internet	internet	NOUN
ajfti-3807	241	18	financial	financial	ADJ
ajfti-3807	241	19	engineering	engineering	NOUN
ajfti-3807	241	20	by	by	ADP
ajfti-3807	241	21	investigating	investigate	VERB
ajfti-3807	241	22	the	the	DET
ajfti-3807	241	23	main	main	ADJ
ajfti-3807	241	24	predictive	predictive	ADJ
ajfti-3807	241	25	variables	variable	NOUN
ajfti-3807	241	26	(	(	PUNCT
ajfti-3807	241	27	determinants	determinant	NOUN
ajfti-3807	241	28	)	)	PUNCT
ajfti-3807	241	29	.	.	PUNCT
ajfti-3807	242	1	first	first	ADV
ajfti-3807	242	2	,	,	PUNCT
ajfti-3807	242	3	the	the	DET
ajfti-3807	242	4	survey	survey	NOUN
ajfti-3807	242	5	results	result	VERB
ajfti-3807	242	6	pa	pa	PROPN
ajfti-3807	242	7	ge	ge	PROPN
ajfti-3807	242	8	30	30	NUM
ajfti-3807	242	9	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3807	242	10	am	be	AUX
ajfti-3807	242	11	.	.	PUNCT
ajfti-3807	243	1	j.	j.	PROPN
ajfti-3807	243	2	financ	financ	PROPN
ajfti-3807	243	3	.	.	PUNCT
ajfti-3807	244	1	technol	technol	PROPN
ajfti-3807	244	2	.	.	PUNCT
ajfti-3807	244	3	innov	innov	PROPN
ajfti-3807	244	4	.	.	PUNCT
ajfti-3807	245	1	3(1	3(1	NUM
ajfti-3807	245	2	)	)	PUNCT
ajfti-3807	245	3	23	23	NUM
ajfti-3807	245	4	-	-	SYM
ajfti-3807	245	5	31	31	NUM
ajfti-3807	245	6	,	,	PUNCT
ajfti-3807	245	7	2025	2025	NUM
ajfti-3807	245	8	internet	internet	NOUN
ajfti-3807	245	9	banking	banking	NOUN
ajfti-3807	245	10	users	user	NOUN
ajfti-3807	245	11	and	and	CCONJ
ajfti-3807	245	12	their	their	PRON
ajfti-3807	245	13	determinants	determinant	NOUN
ajfti-3807	245	14	.	.	PUNCT
ajfti-3807	246	1	international	international	ADJ
ajfti-3807	246	2	journal	journal	NOUN
ajfti-3807	246	3	of	of	ADP
ajfti-3807	246	4	advanced	advanced	ADJ
ajfti-3807	246	5	research	research	NOUN
ajfti-3807	246	6	in	in	ADP
ajfti-3807	246	7	engineering	engineering	NOUN
ajfti-3807	246	8	and	and	CCONJ
ajfti-3807	246	9	technology	technology	NOUN
ajfti-3807	246	10	(	(	PUNCT
ajfti-3807	246	11	ijaret	ijaret	NOUN
ajfti-3807	246	12	)	)	PUNCT
ajfti-3807	246	13	,	,	PUNCT
ajfti-3807	246	14	11(2	11(2	NUM
ajfti-3807	246	15	)	)	PUNCT
ajfti-3807	246	16	.	.	PUNCT
ajfti-3807	247	1	arif	arif	PROPN
ajfti-3807	247	2	,	,	PUNCT
ajfti-3807	247	3	i.	i.	PROPN
ajfti-3807	247	4	,	,	PUNCT
ajfti-3807	247	5	aslam	aslam	PROPN
ajfti-3807	247	6	,	,	PUNCT
ajfti-3807	247	7	w.	w.	PROPN
ajfti-3807	247	8	,	,	PUNCT
ajfti-3807	247	9	&	&	CCONJ
ajfti-3807	247	10	hwang	hwang	PROPN
ajfti-3807	247	11	,	,	PUNCT
ajfti-3807	247	12	y.	y.	PROPN
ajfti-3807	247	13	(	(	PUNCT
ajfti-3807	247	14	2020	2020	NUM
ajfti-3807	247	15	)	)	PUNCT
ajfti-3807	247	16	.	.	PUNCT
ajfti-3807	248	1	barriers	barrier	NOUN
ajfti-3807	248	2	in	in	ADP
ajfti-3807	248	3	adoption	adoption	NOUN
ajfti-3807	248	4	of	of	ADP
ajfti-3807	248	5	internet	internet	NOUN
ajfti-3807	248	6	banking	banking	NOUN
ajfti-3807	248	7	:	:	PUNCT
ajfti-3807	248	8	a	a	DET
ajfti-3807	248	9	structural	structural	ADJ
ajfti-3807	248	10	equation	equation	NOUN
ajfti-3807	248	11	modeling	modeling	NOUN
ajfti-3807	248	12	-	-	PUNCT
ajfti-3807	248	13	neural	neural	ADJ
ajfti-3807	248	14	network	network	NOUN
ajfti-3807	248	15	approach	approach	NOUN
ajfti-3807	248	16	.	.	PUNCT
ajfti-3807	249	1	technology	technology	NOUN
ajfti-3807	249	2	in	in	ADP
ajfti-3807	249	3	society	society	NOUN
ajfti-3807	249	4	,	,	PUNCT
ajfti-3807	249	5	61	61	NUM
ajfti-3807	249	6	,	,	PUNCT
ajfti-3807	249	7	101231	101231	NUM
ajfti-3807	249	8	.	.	PUNCT
ajfti-3807	250	1	chaimaa	chaimaa	PROPN
ajfti-3807	250	2	,	,	PUNCT
ajfti-3807	250	3	b.	b.	PROPN
ajfti-3807	250	4	,	,	PUNCT
ajfti-3807	250	5	najib	najib	PROPN
ajfti-3807	250	6	,	,	PUNCT
ajfti-3807	250	7	e.	e.	PROPN
ajfti-3807	250	8	,	,	PUNCT
ajfti-3807	250	9	&	&	CCONJ
ajfti-3807	250	10	rachid	rachid	PROPN
ajfti-3807	250	11	,	,	PUNCT
ajfti-3807	250	12	h.	h.	PROPN
ajfti-3807	250	13	(	(	PUNCT
ajfti-3807	250	14	2021	2021	NUM
ajfti-3807	250	15	)	)	PUNCT
ajfti-3807	250	16	.	.	PUNCT
ajfti-3807	251	1	e	e	X
ajfti-3807	251	2	-	-	ADJ
ajfti-3807	251	3	banking	banking	ADJ
ajfti-3807	251	4	overview	overview	NOUN
ajfti-3807	251	5	:	:	PUNCT
ajfti-3807	251	6	concepts	concept	NOUN
ajfti-3807	251	7	,	,	PUNCT
ajfti-3807	251	8	challenges	challenge	NOUN
ajfti-3807	251	9	and	and	CCONJ
ajfti-3807	251	10	solutions	solution	NOUN
ajfti-3807	251	11	.	.	PUNCT
ajfti-3807	252	1	wireless	wireless	ADJ
ajfti-3807	252	2	personal	personal	ADJ
ajfti-3807	252	3	communications	communication	NOUN
ajfti-3807	252	4	,	,	PUNCT
ajfti-3807	252	5	117	117	NUM
ajfti-3807	252	6	,	,	PUNCT
ajfti-3807	252	7	1059	1059	NUM
ajfti-3807	252	8	-	-	SYM
ajfti-3807	252	9	1078	1078	NUM
ajfti-3807	252	10	.	.	PUNCT
ajfti-3807	253	1	chau	chau	NOUN
ajfti-3807	253	2	,	,	PUNCT
ajfti-3807	253	3	p.	p.	PROPN
ajfti-3807	253	4	y.	y.	PROPN
ajfti-3807	253	5	,	,	PUNCT
ajfti-3807	253	6	&	&	CCONJ
ajfti-3807	253	7	lai	lai	PROPN
ajfti-3807	253	8	,	,	PUNCT
ajfti-3807	253	9	v.	v.	PROPN
ajfti-3807	253	10	s.	s.	PROPN
ajfti-3807	253	11	(	(	PUNCT
ajfti-3807	253	12	2003	2003	NUM
ajfti-3807	253	13	)	)	PUNCT
ajfti-3807	253	14	.	.	PUNCT
ajfti-3807	254	1	an	an	DET
ajfti-3807	254	2	empirical	empirical	ADJ
ajfti-3807	254	3	investigation	investigation	NOUN
ajfti-3807	254	4	of	of	ADP
ajfti-3807	254	5	the	the	DET
ajfti-3807	254	6	determinants	determinant	NOUN
ajfti-3807	254	7	of	of	ADP
ajfti-3807	254	8	user	user	NOUN
ajfti-3807	254	9	acceptance	acceptance	NOUN
ajfti-3807	254	10	of	of	ADP
ajfti-3807	254	11	internet	internet	NOUN
ajfti-3807	254	12	banking	banking	NOUN
ajfti-3807	254	13	.	.	PUNCT
ajfti-3807	255	1	journal	journal	PROPN
ajfti-3807	255	2	of	of	ADP
ajfti-3807	255	3	organizational	organizational	ADJ
ajfti-3807	255	4	computing	computing	NOUN
ajfti-3807	255	5	and	and	CCONJ
ajfti-3807	255	6	electronic	electronic	ADJ
ajfti-3807	255	7	commerce	commerce	NOUN
ajfti-3807	255	8	,	,	PUNCT
ajfti-3807	255	9	13(2	13(2	PROPN
ajfti-3807	255	10	)	)	PUNCT
ajfti-3807	255	11	,	,	PUNCT
ajfti-3807	255	12	123	123	NUM
ajfti-3807	255	13	-	-	SYM
ajfti-3807	255	14	145	145	NUM
ajfti-3807	255	15	.	.	PUNCT
ajfti-3807	256	1	chauhan	chauhan	PROPN
ajfti-3807	256	2	,	,	PUNCT
ajfti-3807	256	3	s.	s.	PROPN
ajfti-3807	256	4	,	,	PUNCT
ajfti-3807	256	5	akhtar	akhtar	PROPN
ajfti-3807	256	6	,	,	PUNCT
ajfti-3807	256	7	a.	a.	PROPN
ajfti-3807	256	8	,	,	PUNCT
ajfti-3807	256	9	&	&	CCONJ
ajfti-3807	256	10	gupta	gupta	PROPN
ajfti-3807	256	11	,	,	PUNCT
ajfti-3807	256	12	a.	a.	NOUN
ajfti-3807	256	13	(	(	PUNCT
ajfti-3807	256	14	2022	2022	NUM
ajfti-3807	256	15	)	)	PUNCT
ajfti-3807	256	16	.	.	PUNCT
ajfti-3807	257	1	customer	customer	NOUN
ajfti-3807	257	2	experience	experience	NOUN
ajfti-3807	257	3	in	in	ADP
ajfti-3807	257	4	digital	digital	ADJ
ajfti-3807	257	5	banking	banking	NOUN
ajfti-3807	257	6	:	:	PUNCT
ajfti-3807	257	7	a	a	DET
ajfti-3807	257	8	review	review	NOUN
ajfti-3807	257	9	and	and	CCONJ
ajfti-3807	257	10	future	future	ADJ
ajfti-3807	257	11	research	research	NOUN
ajfti-3807	257	12	directions	direction	NOUN
ajfti-3807	257	13	.	.	PUNCT
ajfti-3807	258	1	international	international	ADJ
ajfti-3807	258	2	journal	journal	NOUN
ajfti-3807	258	3	of	of	ADP
ajfti-3807	258	4	quality	quality	NOUN
ajfti-3807	258	5	and	and	CCONJ
ajfti-3807	258	6	service	service	NOUN
ajfti-3807	258	7	sciences	science	NOUN
ajfti-3807	258	8	,	,	PUNCT
ajfti-3807	258	9	14(2	14(2	NUM
ajfti-3807	258	10	)	)	PUNCT
ajfti-3807	258	11	,	,	PUNCT
ajfti-3807	258	12	311	311	NUM
ajfti-3807	258	13	-	-	SYM
ajfti-3807	258	14	348	348	NUM
ajfti-3807	258	15	.	.	PUNCT
ajfti-3807	259	1	datta	datta	NOUN
ajfti-3807	259	2	,	,	PUNCT
ajfti-3807	259	3	p.	p.	PROPN
ajfti-3807	259	4	,	,	PUNCT
ajfti-3807	259	5	tanwar	tanwar	PROPN
ajfti-3807	259	6	,	,	PUNCT
ajfti-3807	259	7	s.	s.	PROPN
ajfti-3807	259	8	,	,	PUNCT
ajfti-3807	259	9	panda	panda	NOUN
ajfti-3807	259	10	,	,	PUNCT
ajfti-3807	259	11	s.	s.	PROPN
ajfti-3807	259	12	n.	n.	PROPN
ajfti-3807	259	13	,	,	PUNCT
ajfti-3807	259	14	&	&	CCONJ
ajfti-3807	259	15	rana	rana	PROPN
ajfti-3807	259	16	,	,	PUNCT
ajfti-3807	259	17	a.	a.	NOUN
ajfti-3807	259	18	(	(	PUNCT
ajfti-3807	259	19	2020	2020	NUM
ajfti-3807	259	20	)	)	PUNCT
ajfti-3807	259	21	.	.	PUNCT
ajfti-3807	260	1	security	security	NOUN
ajfti-3807	260	2	and	and	CCONJ
ajfti-3807	260	3	issues	issue	NOUN
ajfti-3807	260	4	of	of	ADP
ajfti-3807	260	5	m	m	NOUN
ajfti-3807	260	6	-	-	NOUN
ajfti-3807	260	7	banking	banking	NOUN
ajfti-3807	260	8	:	:	PUNCT
ajfti-3807	260	9	a	a	DET
ajfti-3807	260	10	technical	technical	ADJ
ajfti-3807	260	11	report	report	NOUN
ajfti-3807	260	12	.	.	PUNCT
ajfti-3807	261	1	in	in	ADP
ajfti-3807	261	2	2020	2020	NUM
ajfti-3807	261	3	8th	8th	ADJ
ajfti-3807	261	4	international	international	ADJ
ajfti-3807	261	5	conference	conference	NOUN
ajfti-3807	261	6	on	on	ADP
ajfti-3807	261	7	reliability	reliability	NOUN
ajfti-3807	261	8	,	,	PUNCT
ajfti-3807	261	9	infocom	infocom	NOUN
ajfti-3807	261	10	technologies	technology	NOUN
ajfti-3807	261	11	and	and	CCONJ
ajfti-3807	261	12	optimization	optimization	NOUN
ajfti-3807	261	13	(	(	PUNCT
ajfti-3807	261	14	trends	trend	NOUN
ajfti-3807	261	15	and	and	CCONJ
ajfti-3807	261	16	future	future	ADJ
ajfti-3807	261	17	directions	direction	NOUN
ajfti-3807	261	18	)	)	PUNCT
ajfti-3807	261	19	(	(	PUNCT
ajfti-3807	261	20	icrito	icrito	NOUN
ajfti-3807	261	21	)	)	PUNCT
ajfti-3807	261	22	.	.	PUNCT
ajfti-3807	262	1	davis	davis	PROPN
ajfti-3807	262	2	,	,	PUNCT
ajfti-3807	262	3	f.	f.	PROPN
ajfti-3807	262	4	d.	d.	PROPN
ajfti-3807	262	5	(	(	PUNCT
ajfti-3807	262	6	1989	1989	NUM
ajfti-3807	262	7	)	)	PUNCT
ajfti-3807	262	8	.	.	PUNCT
ajfti-3807	263	1	technology	technology	NOUN
ajfti-3807	263	2	acceptance	acceptance	NOUN
ajfti-3807	263	3	model	model	NOUN
ajfti-3807	263	4	(	(	PUNCT
ajfti-3807	263	5	tam	tam	PROPN
ajfti-3807	263	6	)	)	PUNCT
ajfti-3807	263	7	.	.	PUNCT
ajfti-3807	264	1	in	in	ADP
ajfti-3807	264	2	m.	m.	PROPN
ajfti-3807	264	3	n.	n.	PROPN
ajfti-3807	264	4	al	al	PROPN
ajfti-3807	264	5	-	-	PROPN
ajfti-3807	264	6	suqri	suqri	PROPN
ajfti-3807	264	7	&	&	CCONJ
ajfti-3807	264	8	a.	a.	PROPN
ajfti-3807	264	9	s.	s.	PROPN
ajfti-3807	264	10	al	al	PROPN
ajfti-3807	264	11	-	-	PUNCT
ajfti-3807	264	12	aufi	aufi	PROPN
ajfti-3807	264	13	(	(	PUNCT
ajfti-3807	264	14	eds	ed	NOUN
ajfti-3807	264	15	.	.	PUNCT
ajfti-3807	264	16	)	)	PUNCT
ajfti-3807	264	17	,	,	PUNCT
ajfti-3807	264	18	information	information	NOUN
ajfti-3807	264	19	seeking	seek	VERB
ajfti-3807	264	20	behavior	behavior	NOUN
ajfti-3807	264	21	and	and	CCONJ
ajfti-3807	264	22	technology	technology	NOUN
ajfti-3807	264	23	adoption	adoption	NOUN
ajfti-3807	264	24	(	(	PUNCT
ajfti-3807	264	25	pp	pp	ADJ
ajfti-3807	264	26	.	.	PUNCT
ajfti-3807	264	27	205–219	205–219	NUM
ajfti-3807	264	28	)	)	PUNCT
ajfti-3807	264	29	.	.	PUNCT
ajfti-3807	265	1	deshayes	deshaye	NOUN
ajfti-3807	265	2	,	,	PUNCT
ajfti-3807	265	3	c.	c.	NOUN
ajfti-3807	265	4	(	(	PUNCT
ajfti-3807	265	5	2022	2022	NUM
ajfti-3807	265	6	)	)	PUNCT
ajfti-3807	265	7	.	.	PUNCT
ajfti-3807	266	1	authoritarian	authoritarian	ADJ
ajfti-3807	266	2	adaptation	adaptation	NOUN
ajfti-3807	266	3	and	and	CCONJ
ajfti-3807	266	4	innovative	innovative	ADJ
ajfti-3807	266	5	contestation	contestation	NOUN
ajfti-3807	266	6	in	in	ADP
ajfti-3807	266	7	sudan	sudan	PROPN
ajfti-3807	266	8	,	,	PUNCT
ajfti-3807	266	9	2009–2019	2009–2019	NUM
ajfti-3807	266	10	.	.	PUNCT
ajfti-3807	267	1	in	in	ADP
ajfti-3807	267	2	routledge	routledge	PROPN
ajfti-3807	267	3	handbook	handbook	PROPN
ajfti-3807	267	4	of	of	ADP
ajfti-3807	267	5	the	the	DET
ajfti-3807	267	6	horn	horn	NOUN
ajfti-3807	267	7	of	of	ADP
ajfti-3807	267	8	africa	africa	PROPN
ajfti-3807	267	9	(	(	PUNCT
ajfti-3807	267	10	pp	pp	PROPN
ajfti-3807	267	11	.	.	PUNCT
ajfti-3807	268	1	327	327	NUM
ajfti-3807	268	2	-	-	SYM
ajfti-3807	268	3	340	340	NUM
ajfti-3807	268	4	)	)	PUNCT
ajfti-3807	268	5	.	.	PUNCT
ajfti-3807	269	1	routledge	routledge	PROPN
ajfti-3807	269	2	.	.	PUNCT
ajfti-3807	270	1	elmassah	elmassah	PROPN
ajfti-3807	270	2	,	,	PUNCT
ajfti-3807	270	3	s.	s.	PROPN
ajfti-3807	270	4	,	,	PUNCT
ajfti-3807	270	5	&	&	CCONJ
ajfti-3807	270	6	abou	abou	PROPN
ajfti-3807	270	7	-	-	PUNCT
ajfti-3807	270	8	el	el	PROPN
ajfti-3807	270	9	-	-	PUNCT
ajfti-3807	270	10	sood	sood	PROPN
ajfti-3807	270	11	,	,	PUNCT
ajfti-3807	270	12	h.	h.	PROPN
ajfti-3807	270	13	(	(	PUNCT
ajfti-3807	270	14	2022	2022	NUM
ajfti-3807	270	15	)	)	PUNCT
ajfti-3807	270	16	.	.	PUNCT
ajfti-3807	271	1	selection	selection	NOUN
ajfti-3807	271	2	of	of	ADP
ajfti-3807	271	3	islamic	islamic	ADJ
ajfti-3807	271	4	banking	banking	NOUN
ajfti-3807	271	5	in	in	ADP
ajfti-3807	271	6	a	a	DET
ajfti-3807	271	7	multicultural	multicultural	ADJ
ajfti-3807	271	8	context	context	NOUN
ajfti-3807	271	9	:	:	PUNCT
ajfti-3807	271	10	the	the	DET
ajfti-3807	271	11	role	role	NOUN
ajfti-3807	271	12	of	of	ADP
ajfti-3807	271	13	gender	gender	NOUN
ajfti-3807	271	14	and	and	CCONJ
ajfti-3807	271	15	religion	religion	NOUN
ajfti-3807	271	16	.	.	PUNCT
ajfti-3807	272	1	journal	journal	PROPN
ajfti-3807	272	2	of	of	ADP
ajfti-3807	272	3	islamic	islamic	PROPN
ajfti-3807	272	4	marketing	marketing	PROPN
ajfti-3807	272	5	,	,	PUNCT
ajfti-3807	272	6	13(11	13(11	NUM
ajfti-3807	272	7	)	)	PUNCT
ajfti-3807	272	8	,	,	PUNCT
ajfti-3807	272	9	2347	2347	NUM
ajfti-3807	272	10	-	-	SYM
ajfti-3807	272	11	2377	2377	NUM
ajfti-3807	272	12	.	.	PUNCT
ajfti-3807	273	1	eltahir	eltahir	NOUN
ajfti-3807	273	2	,	,	PUNCT
ajfti-3807	273	3	m.	m.	PROPN
ajfti-3807	273	4	e.	e.	PROPN
ajfti-3807	273	5	(	(	PUNCT
ajfti-3807	273	6	2019	2019	NUM
ajfti-3807	273	7	)	)	PUNCT
ajfti-3807	273	8	.	.	PUNCT
ajfti-3807	274	1	e	e	X
ajfti-3807	274	2	-	-	PUNCT
ajfti-3807	274	3	learning	learn	VERB
ajfti-3807	274	4	in	in	ADP
ajfti-3807	274	5	developing	develop	VERB
ajfti-3807	274	6	countries	country	NOUN
ajfti-3807	274	7	:	:	PUNCT
ajfti-3807	274	8	is	be	AUX
ajfti-3807	274	9	it	it	PRON
ajfti-3807	274	10	a	a	DET
ajfti-3807	274	11	panacea	panacea	NOUN
ajfti-3807	274	12	?	?	PUNCT
ajfti-3807	275	1	a	a	DET
ajfti-3807	275	2	case	case	NOUN
ajfti-3807	275	3	study	study	NOUN
ajfti-3807	275	4	of	of	ADP
ajfti-3807	275	5	sudan	sudan	PROPN
ajfti-3807	275	6	.	.	PUNCT
ajfti-3807	276	1	ieee	ieee	NOUN
ajfti-3807	276	2	access	access	NOUN
ajfti-3807	276	3	,	,	PUNCT
ajfti-3807	276	4	7	7	NUM
ajfti-3807	276	5	,	,	PUNCT
ajfti-3807	276	6	97784	97784	NUM
ajfti-3807	276	7	-	-	SYM
ajfti-3807	276	8	97792	97792	NUM
ajfti-3807	276	9	.	.	PUNCT
ajfti-3807	277	1	hassan	hassan	PROPN
ajfti-3807	277	2	,	,	PUNCT
ajfti-3807	277	3	m.	m.	NOUN
ajfti-3807	277	4	a.	a.	PROPN
ajfti-3807	277	5	,	,	PUNCT
ajfti-3807	277	6	shukur	shukur	PROPN
ajfti-3807	277	7	,	,	PUNCT
ajfti-3807	277	8	z.	z.	PROPN
ajfti-3807	277	9	,	,	PUNCT
ajfti-3807	277	10	hasan	hasan	PROPN
ajfti-3807	277	11	,	,	PUNCT
ajfti-3807	277	12	m.	m.	PROPN
ajfti-3807	277	13	k.	k.	PROPN
ajfti-3807	277	14	,	,	PUNCT
ajfti-3807	277	15	&	&	CCONJ
ajfti-3807	277	16	al	al	PROPN
ajfti-3807	277	17	-	-	PUNCT
ajfti-3807	277	18	khaleefa	khaleefa	PROPN
ajfti-3807	277	19	,	,	PUNCT
ajfti-3807	277	20	a.	a.	PROPN
ajfti-3807	277	21	s.	s.	PROPN
ajfti-3807	277	22	(	(	PUNCT
ajfti-3807	277	23	2020	2020	NUM
ajfti-3807	277	24	)	)	PUNCT
ajfti-3807	277	25	.	.	PUNCT
ajfti-3807	278	1	a	a	DET
ajfti-3807	278	2	review	review	NOUN
ajfti-3807	278	3	on	on	ADP
ajfti-3807	278	4	electronic	electronic	ADJ
ajfti-3807	278	5	payments	payment	NOUN
ajfti-3807	278	6	security	security	NOUN
ajfti-3807	278	7	.	.	PUNCT
ajfti-3807	279	1	symmetry	symmetry	PROPN
ajfti-3807	279	2	,	,	PUNCT
ajfti-3807	279	3	12(8	12(8	NUM
ajfti-3807	279	4	)	)	PUNCT
ajfti-3807	279	5	,	,	PUNCT
ajfti-3807	279	6	1344	1344	NUM
ajfti-3807	279	7	.	.	PUNCT
ajfti-3807	280	1	heffernan	heffernan	PROPN
ajfti-3807	280	2	,	,	PUNCT
ajfti-3807	280	3	s.	s.	PROPN
ajfti-3807	280	4	(	(	PUNCT
ajfti-3807	280	5	2005	2005	NUM
ajfti-3807	280	6	)	)	PUNCT
ajfti-3807	280	7	.	.	PUNCT
ajfti-3807	281	1	modern	modern	ADJ
ajfti-3807	281	2	banking	banking	NOUN
ajfti-3807	281	3	.	.	PUNCT
ajfti-3807	282	1	john	john	PROPN
ajfti-3807	282	2	wiley	wiley	PROPN
ajfti-3807	282	3	&	&	CCONJ
ajfti-3807	282	4	sons	son	NOUN
ajfti-3807	282	5	.	.	PUNCT
ajfti-3807	283	1	hossain	hossain	PROPN
ajfti-3807	283	2	,	,	PUNCT
ajfti-3807	283	3	s.	s.	PROPN
ajfti-3807	283	4	f.	f.	PROPN
ajfti-3807	283	5	a.	a.	PROPN
ajfti-3807	283	6	,	,	PUNCT
ajfti-3807	283	7	xi	xi	PROPN
ajfti-3807	283	8	,	,	PUNCT
ajfti-3807	283	9	z.	z.	PROPN
ajfti-3807	283	10	,	,	PUNCT
ajfti-3807	283	11	nurunnabi	nurunnabi	NOUN
ajfti-3807	283	12	,	,	PUNCT
ajfti-3807	283	13	m.	m.	NOUN
ajfti-3807	283	14	,	,	PUNCT
ajfti-3807	283	15	&	&	CCONJ
ajfti-3807	283	16	hussain	hussain	PROPN
ajfti-3807	283	17	,	,	PUNCT
ajfti-3807	283	18	k.	k.	PROPN
ajfti-3807	283	19	(	(	PUNCT
ajfti-3807	283	20	2020	2020	NUM
ajfti-3807	283	21	)	)	PUNCT
ajfti-3807	283	22	.	.	PUNCT
ajfti-3807	284	1	ubiquitous	ubiquitous	ADJ
ajfti-3807	284	2	role	role	NOUN
ajfti-3807	284	3	of	of	ADP
ajfti-3807	284	4	social	social	ADJ
ajfti-3807	284	5	networking	networking	NOUN
ajfti-3807	284	6	in	in	ADP
ajfti-3807	284	7	driving	drive	VERB
ajfti-3807	284	8	m	m	PROPN
ajfti-3807	284	9	-	-	PUNCT
ajfti-3807	284	10	commerce	commerce	NOUN
ajfti-3807	284	11	:	:	PUNCT
ajfti-3807	284	12	evaluating	evaluate	VERB
ajfti-3807	284	13	the	the	DET
ajfti-3807	284	14	use	use	NOUN
ajfti-3807	284	15	of	of	ADP
ajfti-3807	284	16	mobile	mobile	ADJ
ajfti-3807	284	17	phones	phone	NOUN
ajfti-3807	284	18	for	for	ADP
ajfti-3807	284	19	online	online	ADJ
ajfti-3807	284	20	shopping	shopping	NOUN
ajfti-3807	284	21	and	and	CCONJ
ajfti-3807	284	22	payment	payment	NOUN
ajfti-3807	284	23	in	in	ADP
ajfti-3807	284	24	the	the	DET
ajfti-3807	284	25	context	context	NOUN
ajfti-3807	284	26	of	of	ADP
ajfti-3807	284	27	trust	trust	NOUN
ajfti-3807	284	28	.	.	PUNCT
ajfti-3807	285	1	sage	sage	NOUN
ajfti-3807	285	2	open	open	ADJ
ajfti-3807	285	3	,	,	PUNCT
ajfti-3807	285	4	10(3	10(3	NUM
ajfti-3807	285	5	)	)	PUNCT
ajfti-3807	285	6	,	,	PUNCT
ajfti-3807	285	7	2158244020939536	2158244020939536	NUM
ajfti-3807	285	8	.	.	PUNCT
ajfti-3807	286	1	hussein	hussein	PROPN
ajfti-3807	286	2	,	,	PUNCT
ajfti-3807	286	3	m.	m.	NOUN
ajfti-3807	286	4	a.	a.	PROPN
ajfti-3807	286	5	,	,	PUNCT
ajfti-3807	286	6	ahmed	ahmed	PROPN
ajfti-3807	286	7	,	,	PUNCT
ajfti-3807	286	8	s.	s.	PROPN
ajfti-3807	286	9	a.	a.	PROPN
ajfti-3807	286	10	,	,	PUNCT
ajfti-3807	286	11	&	&	CCONJ
ajfti-3807	286	12	ahmed	ahmed	PROPN
ajfti-3807	286	13	,	,	PUNCT
ajfti-3807	286	14	h.	h.	PROPN
ajfti-3807	286	15	m.	m.	PROPN
ajfti-3807	286	16	s.	s.	PROPN
ajfti-3807	286	17	(	(	PUNCT
ajfti-3807	286	18	2020	2020	NUM
ajfti-3807	286	19	)	)	PUNCT
ajfti-3807	286	20	.	.	PUNCT
ajfti-3807	287	1	impact	impact	NOUN
ajfti-3807	287	2	of	of	ADP
ajfti-3807	287	3	financial	financial	ADJ
ajfti-3807	287	4	development	development	NOUN
ajfti-3807	287	5	on	on	ADP
ajfti-3807	287	6	economic	economic	ADJ
ajfti-3807	287	7	growth	growth	NOUN
ajfti-3807	287	8	in	in	ADP
ajfti-3807	287	9	sudan	sudan	PROPN
ajfti-3807	287	10	:	:	PUNCT
ajfti-3807	287	11	short	short	ADJ
ajfti-3807	287	12	-	-	PUNCT
ajfti-3807	287	13	run	run	VERB
ajfti-3807	287	14	and	and	CCONJ
ajfti-3807	287	15	long	long	ADV
ajfti-3807	287	16	-	-	PUNCT
ajfti-3807	287	17	run	run	NOUN
ajfti-3807	287	18	analysis	analysis	NOUN
ajfti-3807	287	19	.	.	PUNCT
ajfti-3807	288	1	international	international	ADJ
ajfti-3807	288	2	journal	journal	PROPN
ajfti-3807	288	3	of	of	ADP
ajfti-3807	288	4	management	management	NOUN
ajfti-3807	288	5	(	(	PUNCT
ajfti-3807	288	6	ijm	ijm	PROPN
ajfti-3807	288	7	)	)	PUNCT
ajfti-3807	288	8	,	,	PUNCT
ajfti-3807	288	9	11(12	11(12	NUM
ajfti-3807	288	10	)	)	PUNCT
ajfti-3807	288	11	.	.	PUNCT
ajfti-3807	289	1	ibrahim	ibrahim	PROPN
ajfti-3807	289	2	,	,	PUNCT
ajfti-3807	289	3	a.	a.	PROPN
ajfti-3807	289	4	h.	h.	PROPN
ajfti-3807	289	5	,	,	PUNCT
ajfti-3807	289	6	mutiarin	mutiarin	PROPN
ajfti-3807	289	7	,	,	PUNCT
ajfti-3807	289	8	d.	d.	PROPN
ajfti-3807	289	9	,	,	PUNCT
ajfti-3807	289	10	&	&	CCONJ
ajfti-3807	289	11	purnomo	purnomo	PROPN
ajfti-3807	289	12	,	,	PUNCT
ajfti-3807	289	13	e.	e.	PROPN
ajfti-3807	289	14	p.	p.	PROPN
ajfti-3807	289	15	(	(	PUNCT
ajfti-3807	289	16	2021	2021	NUM
ajfti-3807	289	17	)	)	PUNCT
ajfti-3807	289	18	.	.	PUNCT
ajfti-3807	290	1	e	e	X
ajfti-3807	290	2	-	-	NOUN
ajfti-3807	290	3	services	service	NOUN
ajfti-3807	290	4	in	in	ADP
ajfti-3807	290	5	sudan	sudan	PROPN
ajfti-3807	290	6	during	during	ADP
ajfti-3807	290	7	the	the	DET
ajfti-3807	290	8	covid-19	covid-19	PROPN
ajfti-3807	290	9	pandemic	pandemic	NOUN
ajfti-3807	290	10	as	as	ADP
ajfti-3807	290	11	a	a	DET
ajfti-3807	290	12	model	model	NOUN
ajfti-3807	290	13	:	:	PUNCT
ajfti-3807	290	14	a	a	DET
ajfti-3807	290	15	case	case	NOUN
ajfti-3807	290	16	study	study	NOUN
ajfti-3807	290	17	of	of	ADP
ajfti-3807	290	18	university	university	NOUN
ajfti-3807	290	19	of	of	ADP
ajfti-3807	290	20	bahri	bahri	PROPN
ajfti-3807	290	21	-	-	PUNCT
ajfti-3807	290	22	sudan	sudan	PROPN
ajfti-3807	290	23	.	.	PUNCT
ajfti-3807	291	1	journal	journal	PROPN
ajfti-3807	291	2	of	of	ADP
ajfti-3807	291	3	governance	governance	NOUN
ajfti-3807	291	4	and	and	CCONJ
ajfti-3807	291	5	public	public	ADJ
ajfti-3807	291	6	policy	policy	NOUN
ajfti-3807	291	7	,	,	PUNCT
ajfti-3807	291	8	8(2	8(2	NUM
ajfti-3807	291	9	)	)	PUNCT
ajfti-3807	291	10	,	,	PUNCT
ajfti-3807	291	11	165	165	NUM
ajfti-3807	291	12	-	-	SYM
ajfti-3807	291	13	183	183	NUM
ajfti-3807	291	14	.	.	PUNCT
ajfti-3807	292	1	indiani	indiani	PROPN
ajfti-3807	292	2	,	,	PUNCT
ajfti-3807	292	3	n.	n.	PROPN
ajfti-3807	292	4	l.	l.	PROPN
ajfti-3807	292	5	p.	p.	PROPN
ajfti-3807	292	6	,	,	PUNCT
ajfti-3807	292	7	&	&	CCONJ
ajfti-3807	292	8	fahik	fahik	PROPN
ajfti-3807	292	9	,	,	PUNCT
ajfti-3807	292	10	g.	g.	PROPN
ajfti-3807	292	11	a.	a.	PROPN
ajfti-3807	292	12	(	(	PUNCT
ajfti-3807	292	13	2020	2020	NUM
ajfti-3807	292	14	)	)	PUNCT
ajfti-3807	292	15	.	.	PUNCT
ajfti-3807	293	1	conversion	conversion	NOUN
ajfti-3807	293	2	of	of	ADP
ajfti-3807	293	3	online	online	ADJ
ajfti-3807	293	4	purchase	purchase	NOUN
ajfti-3807	293	5	intention	intention	NOUN
ajfti-3807	293	6	into	into	ADP
ajfti-3807	293	7	actual	actual	ADJ
ajfti-3807	293	8	purchase	purchase	NOUN
ajfti-3807	293	9	:	:	PUNCT
ajfti-3807	293	10	the	the	DET
ajfti-3807	293	11	moderating	moderate	VERB
ajfti-3807	293	12	role	role	NOUN
ajfti-3807	293	13	of	of	ADP
ajfti-3807	293	14	transaction	transaction	NOUN
ajfti-3807	293	15	security	security	NOUN
ajfti-3807	293	16	and	and	CCONJ
ajfti-3807	293	17	convenience	convenience	NOUN
ajfti-3807	293	18	.	.	PUNCT
ajfti-3807	294	1	business	business	NOUN
ajfti-3807	294	2	:	:	PUNCT
ajfti-3807	294	3	theory	theory	NOUN
ajfti-3807	294	4	and	and	CCONJ
ajfti-3807	294	5	practice	practice	NOUN
ajfti-3807	294	6	,	,	PUNCT
ajfti-3807	294	7	21(1	21(1	NUM
ajfti-3807	294	8	)	)	PUNCT
ajfti-3807	294	9	,	,	PUNCT
ajfti-3807	294	10	18	18	NUM
ajfti-3807	294	11	-	-	SYM
ajfti-3807	294	12	29	29	NUM
ajfti-3807	294	13	.	.	PUNCT
ajfti-3807	295	1	jun	jun	PROPN
ajfti-3807	295	2	,	,	PUNCT
ajfti-3807	295	3	m.	m.	NOUN
ajfti-3807	295	4	,	,	PUNCT
ajfti-3807	295	5	&	&	CCONJ
ajfti-3807	295	6	palacios	palacio	NOUN
ajfti-3807	295	7	,	,	PUNCT
ajfti-3807	295	8	s.	s.	PROPN
ajfti-3807	295	9	(	(	PUNCT
ajfti-3807	295	10	2016	2016	NUM
ajfti-3807	295	11	)	)	PUNCT
ajfti-3807	295	12	.	.	PUNCT
ajfti-3807	296	1	examining	examine	VERB
ajfti-3807	296	2	the	the	DET
ajfti-3807	296	3	key	key	ADJ
ajfti-3807	296	4	dimensions	dimension	NOUN
ajfti-3807	296	5	of	of	ADP
ajfti-3807	296	6	mobile	mobile	ADJ
ajfti-3807	296	7	banking	banking	NOUN
ajfti-3807	296	8	service	service	NOUN
ajfti-3807	296	9	quality	quality	NOUN
ajfti-3807	296	10	:	:	PUNCT
ajfti-3807	296	11	an	an	DET
ajfti-3807	296	12	exploratory	exploratory	ADJ
ajfti-3807	296	13	study	study	NOUN
ajfti-3807	296	14	.	.	PUNCT
ajfti-3807	297	1	international	international	ADJ
ajfti-3807	297	2	journal	journal	PROPN
ajfti-3807	297	3	of	of	ADP
ajfti-3807	297	4	bank	bank	PROPN
ajfti-3807	297	5	marketing	marketing	NOUN
ajfti-3807	297	6	,	,	PUNCT
ajfti-3807	297	7	34(3	34(3	NUM
ajfti-3807	297	8	)	)	PUNCT
ajfti-3807	297	9	,	,	PUNCT
ajfti-3807	297	10	307	307	NUM
ajfti-3807	297	11	-	-	SYM
ajfti-3807	297	12	326	326	NUM
ajfti-3807	297	13	.	.	PUNCT
ajfti-3807	298	1	karim	karim	PROPN
ajfti-3807	298	2	,	,	PUNCT
ajfti-3807	298	3	n.	n.	PROPN
ajfti-3807	298	4	a.	a.	PROPN
ajfti-3807	298	5	,	,	PUNCT
ajfti-3807	298	6	khashan	khashan	PROPN
ajfti-3807	298	7	,	,	PUNCT
ajfti-3807	298	8	o.	o.	PROPN
ajfti-3807	298	9	a.	a.	PROPN
ajfti-3807	298	10	,	,	PUNCT
ajfti-3807	298	11	kanaker	kanaker	PROPN
ajfti-3807	298	12	,	,	PUNCT
ajfti-3807	298	13	h.	h.	PROPN
ajfti-3807	298	14	,	,	PUNCT
ajfti-3807	298	15	abdulraheem	abdulraheem	PROPN
ajfti-3807	298	16	,	,	PUNCT
ajfti-3807	298	17	w.	w.	PROPN
ajfti-3807	298	18	k.	k.	PROPN
ajfti-3807	298	19	,	,	PUNCT
ajfti-3807	298	20	alshinwan	alshinwan	PROPN
ajfti-3807	298	21	,	,	PUNCT
ajfti-3807	298	22	m.	m.	NOUN
ajfti-3807	298	23	,	,	PUNCT
ajfti-3807	298	24	&	&	CCONJ
ajfti-3807	298	25	albanna	albanna	PROPN
ajfti-3807	298	26	,	,	PUNCT
ajfti-3807	298	27	a.	a.	NOUN
ajfti-3807	298	28	(	(	PUNCT
ajfti-3807	298	29	2023	2023	NUM
ajfti-3807	298	30	)	)	PUNCT
ajfti-3807	298	31	.	.	PUNCT
ajfti-3807	299	1	online	online	ADJ
ajfti-3807	299	2	banking	banking	NOUN
ajfti-3807	299	3	user	user	NOUN
ajfti-3807	299	4	authentication	authentication	NOUN
ajfti-3807	299	5	methods	method	NOUN
ajfti-3807	299	6	:	:	PUNCT
ajfti-3807	299	7	a	a	DET
ajfti-3807	299	8	systematic	systematic	ADJ
ajfti-3807	299	9	literature	literature	NOUN
ajfti-3807	299	10	review	review	NOUN
ajfti-3807	299	11	.	.	PUNCT
ajfti-3807	300	1	ieee	ieee	NOUN
ajfti-3807	300	2	access	access	NOUN
ajfti-3807	300	3	.	.	PUNCT
ajfti-3807	301	1	kavitha	kavitha	PROPN
ajfti-3807	301	2	,	,	PUNCT
ajfti-3807	301	3	j.	j.	PROPN
ajfti-3807	301	4	,	,	PUNCT
ajfti-3807	301	5	&	&	CCONJ
ajfti-3807	301	6	gopinath	gopinath	PROPN
ajfti-3807	301	7	,	,	PUNCT
ajfti-3807	301	8	r.	r.	PROPN
ajfti-3807	301	9	(	(	PUNCT
ajfti-3807	301	10	2020	2020	NUM
ajfti-3807	301	11	)	)	PUNCT
ajfti-3807	301	12	.	.	PUNCT
ajfti-3807	302	1	a	a	DET
ajfti-3807	302	2	study	study	NOUN
ajfti-3807	302	3	on	on	ADP
ajfti-3807	302	4	perception	perception	NOUN
ajfti-3807	302	5	of	of	ADP
ajfti-3807	302	6	internet	internet	NOUN
ajfti-3807	302	7	banking	banking	NOUN
ajfti-3807	302	8	users	user	NOUN
ajfti-3807	302	9	’	’	PART
ajfti-3807	302	10	service	service	NOUN
ajfti-3807	302	11	quality	quality	NOUN
ajfti-3807	302	12	:	:	PUNCT
ajfti-3807	302	13	a	a	DET
ajfti-3807	302	14	structural	structural	ADJ
ajfti-3807	302	15	equation	equation	NOUN
ajfti-3807	302	16	modeling	model	VERB
ajfti-3807	302	17	perspective	perspective	NOUN
ajfti-3807	302	18	.	.	PUNCT
ajfti-3807	303	1	international	international	ADJ
ajfti-3807	303	2	journal	journal	PROPN
ajfti-3807	303	3	of	of	ADP
ajfti-3807	303	4	management	management	NOUN
ajfti-3807	303	5	(	(	PUNCT
ajfti-3807	303	6	ijm	ijm	PROPN
ajfti-3807	303	7	)	)	PUNCT
ajfti-3807	303	8	,	,	PUNCT
ajfti-3807	303	9	11(8	11(8	NUM
ajfti-3807	303	10	)	)	PUNCT
ajfti-3807	303	11	.	.	PUNCT
ajfti-3807	304	1	keller	keller	PROPN
ajfti-3807	304	2	,	,	PUNCT
ajfti-3807	304	3	e.	e.	PROPN
ajfti-3807	304	4	m.	m.	PROPN
ajfti-3807	304	5	,	,	PUNCT
ajfti-3807	304	6	&	&	CCONJ
ajfti-3807	304	7	brennan	brennan	PROPN
ajfti-3807	304	8	,	,	PUNCT
ajfti-3807	304	9	p.	p.	PROPN
ajfti-3807	304	10	k.	k.	PROPN
ajfti-3807	305	1	(	(	PUNCT
ajfti-3807	305	2	2007	2007	NUM
ajfti-3807	305	3	)	)	PUNCT
ajfti-3807	305	4	.	.	PUNCT
ajfti-3807	306	1	cultural	cultural	ADJ
ajfti-3807	306	2	considerations	consideration	NOUN
ajfti-3807	306	3	and	and	CCONJ
ajfti-3807	306	4	challenges	challenge	NOUN
ajfti-3807	306	5	to	to	ADP
ajfti-3807	306	6	service	service	NOUN
ajfti-3807	306	7	delivery	delivery	NOUN
ajfti-3807	306	8	for	for	ADP
ajfti-3807	306	9	sudanese	sudanese	ADJ
ajfti-3807	306	10	victims	victim	NOUN
ajfti-3807	306	11	of	of	ADP
ajfti-3807	306	12	domestic	domestic	ADJ
ajfti-3807	306	13	violence	violence	NOUN
ajfti-3807	306	14	:	:	PUNCT
ajfti-3807	306	15	insights	insight	NOUN
ajfti-3807	306	16	from	from	ADP
ajfti-3807	306	17	service	service	NOUN
ajfti-3807	306	18	providers	provider	NOUN
ajfti-3807	306	19	and	and	CCONJ
ajfti-3807	306	20	actors	actor	NOUN
ajfti-3807	306	21	in	in	ADP
ajfti-3807	306	22	the	the	DET
ajfti-3807	306	23	criminal	criminal	ADJ
ajfti-3807	306	24	justice	justice	NOUN
ajfti-3807	306	25	system	system	NOUN
ajfti-3807	306	26	.	.	PUNCT
ajfti-3807	307	1	international	international	ADJ
ajfti-3807	307	2	review	review	NOUN
ajfti-3807	307	3	of	of	ADP
ajfti-3807	307	4	victimology	victimology	NOUN
ajfti-3807	307	5	,	,	PUNCT
ajfti-3807	307	6	14(1	14(1	NUM
ajfti-3807	307	7	)	)	PUNCT
ajfti-3807	307	8	,	,	PUNCT
ajfti-3807	307	9	115	115	NUM
ajfti-3807	307	10	-	-	SYM
ajfti-3807	307	11	141	141	NUM
ajfti-3807	307	12	.	.	PUNCT
ajfti-3807	308	1	khater	khater	PROPN
ajfti-3807	308	2	,	,	PUNCT
ajfti-3807	308	3	a.	a.	PROPN
ajfti-3807	308	4	h.	h.	PROPN
ajfti-3807	308	5	o.	o.	PROPN
ajfti-3807	308	6	,	,	PUNCT
ajfti-3807	308	7	omer	omer	PROPN
ajfti-3807	308	8	,	,	PUNCT
ajfti-3807	308	9	m.	m.	NOUN
ajfti-3807	308	10	s.	s.	PROPN
ajfti-3807	308	11	,	,	PUNCT
ajfti-3807	308	12	khatarna	khatarna	PROPN
ajfti-3807	308	13	,	,	PUNCT
ajfti-3807	308	14	a.	a.	NOUN
ajfti-3807	308	15	a.	a.	NOUN
ajfti-3807	308	16	a.	a.	PROPN
ajfti-3807	308	17	,	,	PUNCT
ajfti-3807	308	18	osman	osman	PROPN
ajfti-3807	308	19	,	,	PUNCT
ajfti-3807	308	20	m.	m.	PROPN
ajfti-3807	308	21	e.	e.	PROPN
ajfti-3807	308	22	m.	m.	PROPN
ajfti-3807	308	23	i.	i.	PROPN
ajfti-3807	308	24	,	,	PUNCT
ajfti-3807	308	25	&	&	CCONJ
ajfti-3807	308	26	osman	osman	PROPN
ajfti-3807	308	27	,	,	PUNCT
ajfti-3807	308	28	i.	i.	PROPN
ajfti-3807	308	29	y.	y.	PROPN
ajfti-3807	308	30	i.	i.	PROPN
ajfti-3807	308	31	(	(	PUNCT
ajfti-3807	308	32	2020	2020	NUM
ajfti-3807	308	33	)	)	PUNCT
ajfti-3807	308	34	.	.	PUNCT
ajfti-3807	309	1	customers	customer	NOUN
ajfti-3807	309	2	intention	intention	VERB
ajfti-3807	309	3	to	to	PART
ajfti-3807	309	4	use	use	VERB
ajfti-3807	309	5	internet	internet	NOUN
ajfti-3807	309	6	banking	banking	NOUN
ajfti-3807	309	7	:	:	PUNCT
ajfti-3807	309	8	age	age	NOUN
ajfti-3807	309	9	as	as	ADP
ajfti-3807	309	10	a	a	DET
ajfti-3807	309	11	moderator	moderator	NOUN
ajfti-3807	309	12	variable	variable	NOUN
ajfti-3807	309	13	.	.	PUNCT
ajfti-3807	310	1	international	international	ADJ
ajfti-3807	310	2	journal	journal	PROPN
ajfti-3807	310	3	of	of	ADP
ajfti-3807	310	4	scientific	scientific	PROPN
ajfti-3807	310	5	&	&	CCONJ
ajfti-3807	310	6	technology	technology	PROPN
ajfti-3807	310	7	research	research	NOUN
ajfti-3807	310	8	,	,	PUNCT
ajfti-3807	310	9	9(3	9(3	NUM
ajfti-3807	310	10	)	)	PUNCT
ajfti-3807	310	11	,	,	PUNCT
ajfti-3807	310	12	6541	6541	NUM
ajfti-3807	310	13	-	-	SYM
ajfti-3807	310	14	6548	6548	NUM
ajfti-3807	310	15	.	.	PUNCT
ajfti-3807	311	1	khattab	khattab	PROPN
ajfti-3807	311	2	,	,	PUNCT
ajfti-3807	311	3	i.	i.	PROPN
ajfti-3807	311	4	,	,	PUNCT
ajfti-3807	311	5	ahmed	ahmed	PROPN
ajfti-3807	311	6	,	,	PUNCT
ajfti-3807	311	7	a.	a.	NOUN
ajfti-3807	311	8	m.	m.	NOUN
ajfti-3807	311	9	,	,	PUNCT
ajfti-3807	311	10	&	&	CCONJ
ajfti-3807	311	11	al	al	PROPN
ajfti-3807	311	12	-	-	PUNCT
ajfti-3807	311	13	magli	magli	PROPN
ajfti-3807	311	14	,	,	PUNCT
ajfti-3807	311	15	o.	o.	NOUN
ajfti-3807	311	16	a.	a.	NOUN
ajfti-3807	311	17	o.	o.	PROPN
ajfti-3807	311	18	(	(	PUNCT
ajfti-3807	311	19	2020	2020	NUM
ajfti-3807	311	20	)	)	PUNCT
ajfti-3807	311	21	.	.	PUNCT
ajfti-3807	312	1	the	the	DET
ajfti-3807	312	2	implications	implication	NOUN
ajfti-3807	312	3	of	of	ADP
ajfti-3807	312	4	e	e	NOUN
ajfti-3807	312	5	-	-	ADJ
ajfti-3807	312	6	banking	banking	ADJ
ajfti-3807	312	7	channels	channel	NOUN
ajfti-3807	312	8	on	on	ADP
ajfti-3807	312	9	job	job	NOUN
ajfti-3807	312	10	security	security	NOUN
ajfti-3807	312	11	and	and	CCONJ
ajfti-3807	312	12	personal	personal	ADJ
ajfti-3807	312	13	development	development	NOUN
ajfti-3807	312	14	.	.	PUNCT
ajfti-3807	313	1	banking	banking	NOUN
ajfti-3807	313	2	&	&	CCONJ
ajfti-3807	313	3	financial	financial	ADJ
ajfti-3807	313	4	studies	study	NOUN
ajfti-3807	313	5	,	,	PUNCT
ajfti-3807	313	6	35	35	NUM
ajfti-3807	313	7	,	,	PUNCT
ajfti-3807	313	8	9–39	9–39	PROPN
ajfti-3807	313	9	.	.	PUNCT
ajfti-3807	314	1	kordit	kordit	PROPN
ajfti-3807	314	2	,	,	PUNCT
ajfti-3807	314	3	j.	j.	PROPN
ajfti-3807	314	4	m.	m.	PROPN
ajfti-3807	314	5	(	(	PUNCT
ajfti-3807	314	6	2022	2022	NUM
ajfti-3807	314	7	)	)	PUNCT
ajfti-3807	314	8	.	.	PUNCT
ajfti-3807	315	1	the	the	DET
ajfti-3807	315	2	impact	impact	NOUN
ajfti-3807	315	3	of	of	ADP
ajfti-3807	315	4	electronic	electronic	ADJ
ajfti-3807	315	5	banking	banking	NOUN
ajfti-3807	315	6	on	on	ADP
ajfti-3807	315	7	performance	performance	NOUN
ajfti-3807	315	8	of	of	ADP
ajfti-3807	315	9	commercial	commercial	ADJ
ajfti-3807	315	10	banks	bank	NOUN
ajfti-3807	315	11	in	in	ADP
ajfti-3807	315	12	juba	juba	NOUN
ajfti-3807	315	13	,	,	PUNCT
ajfti-3807	315	14	south	south	PROPN
ajfti-3807	315	15	sudan	sudan	PROPN
ajfti-3807	316	1	[	[	X
ajfti-3807	316	2	master	master	NOUN
ajfti-3807	316	3	’s	’s	PART
ajfti-3807	316	4	thesis	thesis	NOUN
ajfti-3807	316	5	,	,	PUNCT
ajfti-3807	316	6	university	university	NOUN
ajfti-3807	316	7	of	of	ADP
ajfti-3807	316	8	nairobi	nairobi	PROPN
ajfti-3807	316	9	]	]	PUNCT
ajfti-3807	316	10	.	.	PUNCT
ajfti-3807	317	1	leila	leila	PROPN
ajfti-3807	317	2	,	,	PUNCT
ajfti-3807	317	3	a.	a.	PROPN
ajfti-3807	317	4	,	,	PUNCT
ajfti-3807	317	5	&	&	CCONJ
ajfti-3807	317	6	fatiha	fatiha	PROPN
ajfti-3807	317	7	,	,	PUNCT
ajfti-3807	317	8	b.	b.	PROPN
ajfti-3807	317	9	(	(	PUNCT
ajfti-3807	317	10	2022	2022	NUM
ajfti-3807	317	11	)	)	PUNCT
ajfti-3807	317	12	.	.	PUNCT
ajfti-3807	318	1	the	the	DET
ajfti-3807	318	2	reality	reality	NOUN
ajfti-3807	318	3	of	of	ADP
ajfti-3807	318	4	financial	financial	ADJ
ajfti-3807	318	5	inclusion	inclusion	NOUN
ajfti-3807	318	6	in	in	ADP
ajfti-3807	318	7	the	the	DET
ajfti-3807	318	8	arab	arab	ADJ
ajfti-3807	318	9	countries	country	NOUN
ajfti-3807	318	10	and	and	CCONJ
ajfti-3807	318	11	the	the	DET
ajfti-3807	318	12	role	role	NOUN
ajfti-3807	318	13	of	of	ADP
ajfti-3807	318	14	financial	financial	ADJ
ajfti-3807	318	15	technology	technology	NOUN
ajfti-3807	318	16	in	in	ADP
ajfti-3807	318	17	promoting	promote	VERB
ajfti-3807	318	18	it	it	PRON
ajfti-3807	318	19	(	(	PUNCT
ajfti-3807	318	20	country	country	NOUN
ajfti-3807	318	21	experiences	experience	NOUN
ajfti-3807	318	22	)	)	PUNCT
ajfti-3807	318	23	.	.	PUNCT
ajfti-3807	319	1	journal	journal	PROPN
ajfti-3807	319	2	of	of	ADP
ajfti-3807	319	3	research	research	NOUN
ajfti-3807	319	4	in	in	ADP
ajfti-3807	319	5	finance	finance	NOUN
ajfti-3807	319	6	&	&	CCONJ
ajfti-3807	319	7	accounting	accounting	PROPN
ajfti-3807	319	8	,	,	PUNCT
ajfti-3807	319	9	7(1	7(1	NUM
ajfti-3807	319	10	)	)	PUNCT
ajfti-3807	319	11	.	.	PUNCT
ajfti-3807	320	1	liyanaarachchi	liyanaarachchi	PROPN
ajfti-3807	320	2	,	,	PUNCT
ajfti-3807	320	3	g.	g.	PROPN
ajfti-3807	320	4	,	,	PUNCT
ajfti-3807	320	5	deshpande	deshpande	PROPN
ajfti-3807	320	6	,	,	PUNCT
ajfti-3807	320	7	s.	s.	PROPN
ajfti-3807	320	8	,	,	PUNCT
ajfti-3807	320	9	&	&	CCONJ
ajfti-3807	320	10	weaven	weaven	PROPN
ajfti-3807	320	11	,	,	PUNCT
ajfti-3807	320	12	s.	s.	PROPN
ajfti-3807	320	13	(	(	PUNCT
ajfti-3807	320	14	2021	2021	NUM
ajfti-3807	320	15	)	)	PUNCT
ajfti-3807	320	16	.	.	PUNCT
ajfti-3807	321	1	market	market	NOUN
ajfti-3807	321	2	-	-	PUNCT
ajfti-3807	321	3	oriented	orient	VERB
ajfti-3807	321	4	corporate	corporate	ADJ
ajfti-3807	321	5	digital	digital	ADJ
ajfti-3807	321	6	responsibility	responsibility	NOUN
ajfti-3807	321	7	to	to	PART
ajfti-3807	321	8	manage	manage	VERB
ajfti-3807	321	9	data	data	NOUN
ajfti-3807	321	10	vulnerability	vulnerability	NOUN
ajfti-3807	321	11	in	in	ADP
ajfti-3807	321	12	online	online	ADJ
ajfti-3807	321	13	banking	banking	NOUN
ajfti-3807	321	14	.	.	PUNCT
ajfti-3807	322	1	international	international	ADJ
ajfti-3807	322	2	journal	journal	PROPN
ajfti-3807	322	3	of	of	ADP
ajfti-3807	322	4	bank	bank	PROPN
ajfti-3807	322	5	marketing	marketing	NOUN
ajfti-3807	322	6	,	,	PUNCT
ajfti-3807	322	7	39(4	39(4	NOUN
ajfti-3807	322	8	)	)	PUNCT
ajfti-3807	322	9	,	,	PUNCT
ajfti-3807	322	10	571	571	NUM
ajfti-3807	322	11	-	-	SYM
ajfti-3807	322	12	591	591	NUM
ajfti-3807	322	13	.	.	PUNCT
ajfti-3807	323	1	lok	lok	PROPN
ajfti-3807	323	2	,	,	PUNCT
ajfti-3807	323	3	c.	c.	PROPN
ajfti-3807	323	4	k.	k.	PROPN
ajfti-3807	323	5	(	(	PUNCT
ajfti-3807	323	6	2015	2015	NUM
ajfti-3807	323	7	)	)	PUNCT
ajfti-3807	323	8	.	.	PUNCT
ajfti-3807	324	1	adoption	adoption	NOUN
ajfti-3807	324	2	of	of	ADP
ajfti-3807	324	3	smart	smart	ADJ
ajfti-3807	324	4	card	card	NOUN
ajfti-3807	324	5	-	-	PUNCT
ajfti-3807	324	6	based	base	VERB
ajfti-3807	324	7	e	e	NOUN
ajfti-3807	324	8	-	-	NOUN
ajfti-3807	324	9	payment	payment	NOUN
ajfti-3807	324	10	system	system	NOUN
ajfti-3807	324	11	for	for	ADP
ajfti-3807	324	12	retailing	retailing	NOUN
ajfti-3807	324	13	in	in	ADP
ajfti-3807	324	14	hong	hong	PROPN
ajfti-3807	324	15	kong	kong	PROPN
ajfti-3807	324	16	using	use	VERB
ajfti-3807	324	17	an	an	DET
ajfti-3807	324	18	extended	extended	ADJ
ajfti-3807	324	19	technology	technology	NOUN
ajfti-3807	324	20	acceptance	acceptance	NOUN
ajfti-3807	324	21	model	model	NOUN
ajfti-3807	324	22	.	.	PUNCT
ajfti-3807	325	1	in	in	ADP
ajfti-3807	325	2	e	e	NOUN
ajfti-3807	325	3	-	-	NOUN
ajfti-3807	325	4	services	service	NOUN
ajfti-3807	325	5	adoption	adoption	NOUN
ajfti-3807	325	6	:	:	PUNCT
ajfti-3807	325	7	processes	process	NOUN
ajfti-3807	325	8	by	by	ADP
ajfti-3807	325	9	firms	firm	NOUN
ajfti-3807	325	10	in	in	ADP
ajfti-3807	325	11	developing	develop	VERB
ajfti-3807	325	12	nations	nation	NOUN
ajfti-3807	325	13	(	(	PUNCT
ajfti-3807	325	14	pp	pp	ADJ
ajfti-3807	325	15	.	.	PUNCT
ajfti-3807	326	1	255	255	NUM
ajfti-3807	326	2	-	-	SYM
ajfti-3807	326	3	466	466	NUM
ajfti-3807	326	4	)	)	PUNCT
ajfti-3807	326	5	.	.	PUNCT
ajfti-3807	327	1	emerald	emerald	PROPN
ajfti-3807	327	2	group	group	PROPN
ajfti-3807	327	3	publishing	publishing	PROPN
ajfti-3807	327	4	limited	limit	VERB
ajfti-3807	327	5	.	.	PUNCT
ajfti-3807	328	1	ly	ly	PROPN
ajfti-3807	328	2	,	,	PUNCT
ajfti-3807	328	3	b.	b.	PROPN
ajfti-3807	328	4	,	,	PUNCT
ajfti-3807	328	5	&	&	CCONJ
ajfti-3807	328	6	ly	ly	PROPN
ajfti-3807	328	7	,	,	PUNCT
ajfti-3807	328	8	r.	r.	PROPN
ajfti-3807	328	9	(	(	PUNCT
ajfti-3807	328	10	2022	2022	NUM
ajfti-3807	328	11	)	)	PUNCT
ajfti-3807	328	12	.	.	PUNCT
ajfti-3807	329	1	internet	internet	NOUN
ajfti-3807	329	2	banking	banking	NOUN
ajfti-3807	329	3	adoption	adoption	NOUN
ajfti-3807	329	4	under	under	ADP
ajfti-3807	329	5	technology	technology	NOUN
ajfti-3807	329	6	acceptance	acceptance	NOUN
ajfti-3807	329	7	model	model	NOUN
ajfti-3807	329	8	—	—	PUNCT
ajfti-3807	329	9	evidence	evidence	NOUN
ajfti-3807	329	10	from	from	ADP
ajfti-3807	329	11	cambodian	cambodian	ADJ
ajfti-3807	329	12	users	user	NOUN
ajfti-3807	329	13	.	.	PUNCT
ajfti-3807	330	1	computers	computer	NOUN
ajfti-3807	330	2	in	in	ADP
ajfti-3807	330	3	human	human	ADJ
ajfti-3807	330	4	behavior	behavior	NOUN
ajfti-3807	330	5	reports	report	NOUN
ajfti-3807	330	6	,	,	PUNCT
ajfti-3807	330	7	7	7	NUM
ajfti-3807	330	8	,	,	PUNCT
ajfti-3807	330	9	100224	100224	NUM
ajfti-3807	330	10	.	.	PUNCT
ajfti-3807	331	1	malinka	malinka	PROPN
ajfti-3807	331	2	,	,	PUNCT
ajfti-3807	331	3	k.	k.	PROPN
ajfti-3807	331	4	,	,	PUNCT
ajfti-3807	331	5	hujňák	hujňák	ADJ
ajfti-3807	331	6	,	,	PUNCT
ajfti-3807	331	7	o.	o.	INTJ
ajfti-3807	331	8	,	,	PUNCT
ajfti-3807	331	9	hanáček	hanáček	NOUN
ajfti-3807	331	10	,	,	PUNCT
ajfti-3807	331	11	p.	p.	NOUN
ajfti-3807	331	12	,	,	PUNCT
ajfti-3807	331	13	&	&	CCONJ
ajfti-3807	331	14	hellebrandt	hellebrandt	PROPN
ajfti-3807	331	15	,	,	PUNCT
ajfti-3807	331	16	l.	l.	PROPN
ajfti-3807	331	17	(	(	PUNCT
ajfti-3807	331	18	2022	2022	NUM
ajfti-3807	331	19	)	)	PUNCT
ajfti-3807	331	20	.	.	PUNCT
ajfti-3807	332	1	e	e	X
ajfti-3807	332	2	-	-	NOUN
ajfti-3807	332	3	banking	banking	ADJ
ajfti-3807	332	4	security	security	NOUN
ajfti-3807	332	5	study—10	study—10	PROPN
ajfti-3807	332	6	years	year	NOUN
ajfti-3807	332	7	later	later	ADV
ajfti-3807	332	8	.	.	PUNCT
ajfti-3807	333	1	ieee	ieee	NOUN
ajfti-3807	333	2	access	access	NOUN
ajfti-3807	333	3	,	,	PUNCT
ajfti-3807	333	4	10	10	NUM
ajfti-3807	333	5	,	,	PUNCT
ajfti-3807	333	6	16681	16681	NUM
ajfti-3807	333	7	-	-	SYM
ajfti-3807	333	8	16699	16699	NUM
ajfti-3807	333	9	.	.	PUNCT
ajfti-3807	334	1	mansour	mansour	PROPN
ajfti-3807	334	2	,	,	PUNCT
ajfti-3807	334	3	i.	i.	PROPN
ajfti-3807	334	4	h.	h.	PROPN
ajfti-3807	334	5	f.	f.	PROPN
ajfti-3807	334	6	,	,	PUNCT
ajfti-3807	334	7	eljelly	eljelly	ADV
ajfti-3807	334	8	,	,	PUNCT
ajfti-3807	334	9	a.	a.	NOUN
ajfti-3807	334	10	m.	m.	NOUN
ajfti-3807	334	11	,	,	PUNCT
ajfti-3807	334	12	&	&	CCONJ
ajfti-3807	334	13	abdullah	abdullah	PROPN
ajfti-3807	334	14	,	,	PUNCT
ajfti-3807	334	15	a.	a.	NOUN
ajfti-3807	334	16	m.	m.	NOUN
ajfti-3807	334	17	(	(	PUNCT
ajfti-3807	334	18	2016	2016	NUM
ajfti-3807	334	19	)	)	PUNCT
ajfti-3807	334	20	.	.	PUNCT
ajfti-3807	335	1	consumers	consumer	NOUN
ajfti-3807	335	2	’	’	PART
ajfti-3807	335	3	attitude	attitude	NOUN
ajfti-3807	335	4	towards	towards	ADP
ajfti-3807	335	5	e	e	NOUN
ajfti-3807	335	6	-	-	NOUN
ajfti-3807	335	7	banking	banking	ADJ
ajfti-3807	335	8	services	service	NOUN
ajfti-3807	335	9	in	in	ADP
ajfti-3807	335	10	islamic	islamic	ADJ
ajfti-3807	335	11	banks	bank	NOUN
ajfti-3807	335	12	:	:	PUNCT
ajfti-3807	335	13	the	the	DET
ajfti-3807	335	14	case	case	NOUN
ajfti-3807	335	15	of	of	ADP
ajfti-3807	335	16	sudan	sudan	PROPN
ajfti-3807	335	17	.	.	PUNCT
ajfti-3807	336	1	review	review	NOUN
ajfti-3807	336	2	of	of	ADP
ajfti-3807	336	3	international	international	ADJ
ajfti-3807	336	4	business	business	NOUN
ajfti-3807	336	5	and	and	CCONJ
ajfti-3807	336	6	strategy	strategy	NOUN
ajfti-3807	336	7	,	,	PUNCT
ajfti-3807	336	8	26(2	26(2	NUM
ajfti-3807	336	9	)	)	PUNCT
ajfti-3807	336	10	,	,	PUNCT
ajfti-3807	336	11	244	244	NUM
ajfti-3807	336	12	-	-	SYM
ajfti-3807	336	13	260	260	NUM
ajfti-3807	336	14	.	.	PUNCT
ajfti-3807	337	1	marakarkandy	marakarkandy	PROPN
ajfti-3807	337	2	,	,	PUNCT
ajfti-3807	337	3	b.	b.	PROPN
ajfti-3807	337	4	,	,	PUNCT
ajfti-3807	337	5	yajnik	yajnik	NOUN
ajfti-3807	337	6	,	,	PUNCT
ajfti-3807	337	7	n.	n.	NOUN
ajfti-3807	337	8	,	,	PUNCT
ajfti-3807	337	9	&	&	CCONJ
ajfti-3807	337	10	dasgupta	dasgupta	PROPN
ajfti-3807	337	11	,	,	PUNCT
ajfti-3807	337	12	c.	c.	PROPN
ajfti-3807	337	13	(	(	PUNCT
ajfti-3807	337	14	2017	2017	NUM
ajfti-3807	337	15	)	)	PUNCT
ajfti-3807	337	16	.	.	PUNCT
ajfti-3807	338	1	enabling	enable	VERB
ajfti-3807	338	2	internet	internet	NOUN
ajfti-3807	338	3	banking	banking	NOUN
ajfti-3807	338	4	adoption	adoption	NOUN
ajfti-3807	338	5	:	:	PUNCT
ajfti-3807	338	6	an	an	DET
ajfti-3807	338	7	empirical	empirical	ADJ
ajfti-3807	338	8	examination	examination	NOUN
ajfti-3807	338	9	with	with	ADP
ajfti-3807	338	10	an	an	DET
ajfti-3807	338	11	augmented	augment	VERB
ajfti-3807	338	12	technology	technology	NOUN
ajfti-3807	338	13	acceptance	acceptance	NOUN
ajfti-3807	338	14	model	model	NOUN
ajfti-3807	338	15	(	(	PUNCT
ajfti-3807	338	16	tam	tam	PROPN
ajfti-3807	338	17	)	)	PUNCT
ajfti-3807	338	18	.	.	PUNCT
ajfti-3807	339	1	journal	journal	NOUN
ajfti-3807	339	2	of	of	ADP
ajfti-3807	339	3	enterprise	enterprise	NOUN
ajfti-3807	339	4	information	information	NOUN
ajfti-3807	339	5	management	management	NOUN
ajfti-3807	339	6	,	,	PUNCT
ajfti-3807	339	7	30(2	30(2	NUM
ajfti-3807	339	8	)	)	PUNCT
ajfti-3807	339	9	,	,	PUNCT
ajfti-3807	339	10	263	263	NUM
ajfti-3807	339	11	-	-	SYM
ajfti-3807	339	12	294	294	NUM
ajfti-3807	339	13	.	.	PUNCT
ajfti-3807	340	1	pa	pa	PROPN
ajfti-3807	340	2	ge	ge	PROPN
ajfti-3807	340	3	31	31	NUM
ajfti-3807	340	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3807	340	5	am	be	AUX
ajfti-3807	340	6	.	.	PUNCT
ajfti-3807	341	1	j.	j.	PROPN
ajfti-3807	341	2	financ	financ	PROPN
ajfti-3807	341	3	.	.	PUNCT
ajfti-3807	342	1	technol	technol	PROPN
ajfti-3807	342	2	.	.	PUNCT
ajfti-3807	342	3	innov	innov	PROPN
ajfti-3807	342	4	.	.	PUNCT
ajfti-3807	343	1	3(1	3(1	NUM
ajfti-3807	343	2	)	)	PUNCT
ajfti-3807	343	3	23	23	NUM
ajfti-3807	343	4	-	-	SYM
ajfti-3807	343	5	31	31	NUM
ajfti-3807	343	6	,	,	PUNCT
ajfti-3807	343	7	2025	2025	NUM
ajfti-3807	343	8	masad	masad	PROPN
ajfti-3807	343	9	,	,	PUNCT
ajfti-3807	343	10	f.	f.	PROPN
ajfti-3807	343	11	m.	m.	PROPN
ajfti-3807	343	12	,	,	PUNCT
ajfti-3807	343	13	nussir	nussir	PROPN
ajfti-3807	343	14	,	,	PUNCT
ajfti-3807	343	15	n.	n.	NOUN
ajfti-3807	343	16	a.	a.	PROPN
ajfti-3807	343	17	,	,	PUNCT
ajfti-3807	343	18	eid	eid	PROPN
ajfti-3807	343	19	,	,	PUNCT
ajfti-3807	343	20	a.	a.	NOUN
ajfti-3807	343	21	a.	a.	PROPN
ajfti-3807	343	22	,	,	PUNCT
ajfti-3807	343	23	aldoulat	aldoulat	PROPN
ajfti-3807	343	24	,	,	PUNCT
ajfti-3807	343	25	t.	t.	PROPN
ajfti-3807	343	26	,	,	PUNCT
ajfti-3807	343	27	&	&	CCONJ
ajfti-3807	343	28	alsheikh	alsheikh	PROPN
ajfti-3807	343	29	,	,	PUNCT
ajfti-3807	343	30	g.	g.	PROPN
ajfti-3807	343	31	a.	a.	PROPN
ajfti-3807	343	32	(	(	PUNCT
ajfti-3807	343	33	2023	2023	NUM
ajfti-3807	343	34	)	)	PUNCT
ajfti-3807	343	35	.	.	PUNCT
ajfti-3807	344	1	electronic	electronic	ADJ
ajfti-3807	344	2	banking	banking	NOUN
ajfti-3807	344	3	and	and	CCONJ
ajfti-3807	344	4	its	its	PRON
ajfti-3807	344	5	impact	impact	NOUN
ajfti-3807	344	6	on	on	ADP
ajfti-3807	344	7	job	job	NOUN
ajfti-3807	344	8	security	security	NOUN
ajfti-3807	344	9	in	in	ADP
ajfti-3807	344	10	jordanian	jordanian	ADJ
ajfti-3807	344	11	banking	banking	NOUN
ajfti-3807	344	12	sector	sector	NOUN
ajfti-3807	344	13	:	:	PUNCT
ajfti-3807	344	14	profitability	profitability	NOUN
ajfti-3807	344	15	is	be	AUX
ajfti-3807	344	16	an	an	DET
ajfti-3807	344	17	intermediate	intermediate	ADJ
ajfti-3807	344	18	variable	variable	NOUN
ajfti-3807	344	19	.	.	PUNCT
ajfti-3807	345	1	journal	journal	NOUN
ajfti-3807	345	2	of	of	ADP
ajfti-3807	345	3	namibian	namibian	ADJ
ajfti-3807	345	4	studies	study	NOUN
ajfti-3807	345	5	:	:	PUNCT
ajfti-3807	345	6	history	history	NOUN
ajfti-3807	345	7	politics	politic	NOUN
ajfti-3807	345	8	culture	culture	NOUN
ajfti-3807	345	9	,	,	PUNCT
ajfti-3807	345	10	33	33	NUM
ajfti-3807	345	11	,	,	PUNCT
ajfti-3807	345	12	363	363	NUM
ajfti-3807	345	13	-	-	SYM
ajfti-3807	345	14	383	383	NUM
ajfti-3807	345	15	.	.	PUNCT
ajfti-3807	346	1	mogos	mogos	PROPN
ajfti-3807	346	2	,	,	PUNCT
ajfti-3807	346	3	g.	g.	PROPN
ajfti-3807	346	4	,	,	PUNCT
ajfti-3807	346	5	&	&	CCONJ
ajfti-3807	346	6	jamail	jamail	PROPN
ajfti-3807	346	7	,	,	PUNCT
ajfti-3807	346	8	n.	n.	PROPN
ajfti-3807	346	9	s.	s.	PROPN
ajfti-3807	346	10	m.	m.	PROPN
ajfti-3807	346	11	(	(	PUNCT
ajfti-3807	346	12	2021	2021	NUM
ajfti-3807	346	13	)	)	PUNCT
ajfti-3807	346	14	.	.	PUNCT
ajfti-3807	347	1	study	study	NOUN
ajfti-3807	347	2	on	on	ADP
ajfti-3807	347	3	security	security	NOUN
ajfti-3807	347	4	risks	risk	NOUN
ajfti-3807	347	5	of	of	ADP
ajfti-3807	347	6	e	e	NOUN
ajfti-3807	347	7	-	-	ADJ
ajfti-3807	347	8	banking	banking	ADJ
ajfti-3807	347	9	system	system	NOUN
ajfti-3807	347	10	.	.	PUNCT
ajfti-3807	348	1	indonesian	indonesian	ADJ
ajfti-3807	348	2	journal	journal	PROPN
ajfti-3807	348	3	of	of	ADP
ajfti-3807	348	4	electrical	electrical	ADJ
ajfti-3807	348	5	engineering	engineering	NOUN
ajfti-3807	348	6	and	and	CCONJ
ajfti-3807	348	7	computer	computer	NOUN
ajfti-3807	348	8	science	science	NOUN
ajfti-3807	348	9	,	,	PUNCT
ajfti-3807	348	10	21(2	21(2	NUM
ajfti-3807	348	11	)	)	PUNCT
ajfti-3807	348	12	,	,	PUNCT
ajfti-3807	348	13	1065	1065	NUM
ajfti-3807	348	14	-	-	SYM
ajfti-3807	348	15	1072	1072	NUM
ajfti-3807	348	16	.	.	PUNCT
ajfti-3807	349	1	mubarak	mubarak	PROPN
ajfti-3807	349	2	alharbi	alharbi	PROPN
ajfti-3807	349	3	,	,	PUNCT
ajfti-3807	349	4	i.	i.	PROPN
ajfti-3807	349	5	,	,	PUNCT
ajfti-3807	349	6	zyngier	zyngier	ADV
ajfti-3807	349	7	,	,	PUNCT
ajfti-3807	349	8	s.	s.	PROPN
ajfti-3807	349	9	,	,	PUNCT
ajfti-3807	349	10	&	&	CCONJ
ajfti-3807	349	11	hodkinson	hodkinson	PROPN
ajfti-3807	349	12	,	,	PUNCT
ajfti-3807	349	13	c.	c.	PROPN
ajfti-3807	349	14	(	(	PUNCT
ajfti-3807	349	15	2013	2013	NUM
ajfti-3807	349	16	)	)	PUNCT
ajfti-3807	349	17	.	.	PUNCT
ajfti-3807	350	1	privacy	privacy	NOUN
ajfti-3807	350	2	by	by	ADP
ajfti-3807	350	3	design	design	NOUN
ajfti-3807	350	4	and	and	CCONJ
ajfti-3807	350	5	customers	customer	NOUN
ajfti-3807	350	6	’	'	PUNCT
ajfti-3807	350	7	perceived	perceive	VERB
ajfti-3807	350	8	privacy	privacy	NOUN
ajfti-3807	350	9	and	and	CCONJ
ajfti-3807	350	10	security	security	NOUN
ajfti-3807	350	11	concerns	concern	NOUN
ajfti-3807	350	12	in	in	ADP
ajfti-3807	350	13	the	the	DET
ajfti-3807	350	14	success	success	NOUN
ajfti-3807	350	15	of	of	ADP
ajfti-3807	350	16	e	e	NOUN
ajfti-3807	350	17	-	-	NOUN
ajfti-3807	350	18	commerce	commerce	NOUN
ajfti-3807	350	19	.	.	PUNCT
ajfti-3807	351	1	journal	journal	PROPN
ajfti-3807	351	2	of	of	ADP
ajfti-3807	351	3	enterprise	enterprise	NOUN
ajfti-3807	351	4	information	information	NOUN
ajfti-3807	351	5	management	management	NOUN
ajfti-3807	351	6	,	,	PUNCT
ajfti-3807	351	7	26(6	26(6	NUM
ajfti-3807	351	8	)	)	PUNCT
ajfti-3807	351	9	,	,	PUNCT
ajfti-3807	351	10	702718	702718	NUM
ajfti-3807	351	11	.	.	PUNCT
ajfti-3807	352	1	mustafa	mustafa	PROPN
ajfti-3807	352	2	,	,	PUNCT
ajfti-3807	352	3	o.	o.	PROPN
ajfti-3807	352	4	a.	a.	NOUN
ajfti-3807	352	5	o.	o.	PROPN
ajfti-3807	352	6	(	(	PUNCT
ajfti-3807	352	7	2021	2021	NUM
ajfti-3807	352	8	)	)	PUNCT
ajfti-3807	352	9	.	.	PUNCT
ajfti-3807	353	1	history	history	NOUN
ajfti-3807	353	2	of	of	ADP
ajfti-3807	353	3	banking	banking	NOUN
ajfti-3807	353	4	in	in	ADP
ajfti-3807	353	5	sudan	sudan	PROPN
ajfti-3807	353	6	(	(	PUNCT
ajfti-3807	353	7	conventional	conventional	ADJ
ajfti-3807	353	8	and	and	CCONJ
ajfti-3807	353	9	islamic	islamic	ADJ
ajfti-3807	353	10	):	):	PUNCT
ajfti-3807	353	11	a	a	DET
ajfti-3807	353	12	critical	critical	ADJ
ajfti-3807	353	13	review	review	NOUN
ajfti-3807	353	14	(	(	PUNCT
ajfti-3807	353	15	19032019	19032019	NUM
ajfti-3807	353	16	)	)	PUNCT
ajfti-3807	353	17	.	.	PUNCT
ajfti-3807	354	1	international	international	ADJ
ajfti-3807	354	2	finance	finance	NOUN
ajfti-3807	354	3	and	and	CCONJ
ajfti-3807	354	4	banking	banking	NOUN
ajfti-3807	354	5	,	,	PUNCT
ajfti-3807	354	6	8(1	8(1	NOUN
ajfti-3807	354	7	)	)	PUNCT
ajfti-3807	354	8	,	,	PUNCT
ajfti-3807	354	9	29	29	NUM
ajfti-3807	354	10	-	-	SYM
ajfti-3807	354	11	51	51	NUM
ajfti-3807	354	12	.	.	PUNCT
ajfti-3807	354	13	nordhaus	nordhaus	PROPN
ajfti-3807	354	14	,	,	PUNCT
ajfti-3807	354	15	w.	w.	PROPN
ajfti-3807	354	16	d.	d.	PROPN
ajfti-3807	354	17	(	(	PUNCT
ajfti-3807	354	18	2021	2021	NUM
ajfti-3807	354	19	)	)	PUNCT
ajfti-3807	354	20	.	.	PUNCT
ajfti-3807	355	1	are	be	AUX
ajfti-3807	355	2	we	we	PRON
ajfti-3807	355	3	approaching	approach	VERB
ajfti-3807	355	4	an	an	DET
ajfti-3807	355	5	economic	economic	ADJ
ajfti-3807	355	6	singularity	singularity	NOUN
ajfti-3807	355	7	?	?	PUNCT
ajfti-3807	356	1	information	information	NOUN
ajfti-3807	356	2	technology	technology	NOUN
ajfti-3807	356	3	and	and	CCONJ
ajfti-3807	356	4	the	the	DET
ajfti-3807	356	5	future	future	NOUN
ajfti-3807	356	6	of	of	ADP
ajfti-3807	356	7	economic	economic	ADJ
ajfti-3807	356	8	growth	growth	NOUN
ajfti-3807	356	9	.	.	PUNCT
ajfti-3807	357	1	american	american	ADJ
ajfti-3807	357	2	economic	economic	PROPN
ajfti-3807	357	3	journal	journal	PROPN
ajfti-3807	357	4	:	:	PUNCT
ajfti-3807	357	5	macroeconomics	macroeconomic	NOUN
ajfti-3807	357	6	,	,	PUNCT
ajfti-3807	357	7	13(1	13(1	NUM
ajfti-3807	357	8	)	)	PUNCT
ajfti-3807	357	9	,	,	PUNCT
ajfti-3807	357	10	299	299	NUM
ajfti-3807	357	11	-	-	SYM
ajfti-3807	357	12	332	332	NUM
ajfti-3807	357	13	.	.	PUNCT
ajfti-3807	358	1	omer	omer	PROPN
ajfti-3807	358	2	,	,	PUNCT
ajfti-3807	358	3	a.	a.	PROPN
ajfti-3807	358	4	h.	h.	PROPN
ajfti-3807	358	5	,	,	PUNCT
ajfti-3807	358	6	&	&	CCONJ
ajfti-3807	358	7	adam	adam	PROPN
ajfti-3807	358	8	,	,	PUNCT
ajfti-3807	358	9	f.	f.	PROPN
ajfti-3807	358	10	a.	a.	PROPN
ajfti-3807	358	11	a.	a.	PROPN
ajfti-3807	358	12	(	(	PUNCT
ajfti-3807	358	13	2020	2020	NUM
ajfti-3807	358	14	)	)	PUNCT
ajfti-3807	358	15	.	.	PUNCT
ajfti-3807	359	1	the	the	DET
ajfti-3807	359	2	moderator	moderator	NOUN
ajfti-3807	359	3	role	role	NOUN
ajfti-3807	359	4	of	of	ADP
ajfti-3807	359	5	age	age	NOUN
ajfti-3807	359	6	in	in	ADP
ajfti-3807	359	7	the	the	DET
ajfti-3807	359	8	unified	unified	ADJ
ajfti-3807	359	9	theory	theory	NOUN
ajfti-3807	359	10	of	of	ADP
ajfti-3807	359	11	acceptance	acceptance	NOUN
ajfti-3807	359	12	and	and	CCONJ
ajfti-3807	359	13	use	use	NOUN
ajfti-3807	359	14	of	of	ADP
ajfti-3807	359	15	technology	technology	NOUN
ajfti-3807	359	16	:	:	PUNCT
ajfti-3807	359	17	intention	intention	NOUN
ajfti-3807	359	18	to	to	PART
ajfti-3807	359	19	use	use	VERB
ajfti-3807	359	20	internet	internet	NOUN
ajfti-3807	359	21	banking	banking	NOUN
ajfti-3807	359	22	in	in	ADP
ajfti-3807	359	23	sudan	sudan	PROPN
ajfti-3807	359	24	.	.	PUNCT
ajfti-3807	360	1	journal	journal	PROPN
ajfti-3807	360	2	of	of	ADP
ajfti-3807	360	3	economic	economic	ADJ
ajfti-3807	360	4	,	,	PUNCT
ajfti-3807	360	5	administrative	administrative	ADJ
ajfti-3807	360	6	and	and	CCONJ
ajfti-3807	360	7	legal	legal	ADJ
ajfti-3807	360	8	sciences	science	NOUN
ajfti-3807	360	9	,	,	PUNCT
ajfti-3807	360	10	4(11	4(11	NUM
ajfti-3807	360	11	)	)	PUNCT
ajfti-3807	360	12	,	,	PUNCT
ajfti-3807	360	13	158	158	NUM
ajfti-3807	360	14	-	-	SYM
ajfti-3807	360	15	169	169	NUM
ajfti-3807	360	16	.	.	PUNCT
ajfti-3807	361	1	pavithra	pavithra	PROPN
ajfti-3807	361	2	,	,	PUNCT
ajfti-3807	361	3	c.	c.	PROPN
ajfti-3807	361	4	(	(	PUNCT
ajfti-3807	361	5	2021	2021	NUM
ajfti-3807	361	6	)	)	PUNCT
ajfti-3807	361	7	.	.	PUNCT
ajfti-3807	362	1	factors	factor	NOUN
ajfti-3807	362	2	affecting	affect	VERB
ajfti-3807	362	3	customers	customer	NOUN
ajfti-3807	362	4	’	’	PART
ajfti-3807	362	5	perception	perception	NOUN
ajfti-3807	362	6	towards	towards	ADP
ajfti-3807	362	7	digital	digital	ADJ
ajfti-3807	362	8	banking	banking	NOUN
ajfti-3807	362	9	services	service	NOUN
ajfti-3807	362	10	.	.	PUNCT
ajfti-3807	363	1	turkish	turkish	ADJ
ajfti-3807	363	2	journal	journal	NOUN
ajfti-3807	363	3	of	of	ADP
ajfti-3807	363	4	computer	computer	NOUN
ajfti-3807	363	5	and	and	CCONJ
ajfti-3807	363	6	mathematics	mathematics	PROPN
ajfti-3807	363	7	education	education	NOUN
ajfti-3807	363	8	(	(	PUNCT
ajfti-3807	363	9	turcomat	turcomat	NOUN
ajfti-3807	363	10	)	)	PUNCT
ajfti-3807	363	11	,	,	PUNCT
ajfti-3807	363	12	12(11	12(11	NUM
ajfti-3807	363	13	)	)	PUNCT
ajfti-3807	363	14	,	,	PUNCT
ajfti-3807	363	15	1608–1614	1608–1614	NUM
ajfti-3807	363	16	.	.	PUNCT
ajfti-3807	364	1	prastiawan	prastiawan	PROPN
ajfti-3807	364	2	,	,	PUNCT
ajfti-3807	364	3	d.	d.	PROPN
ajfti-3807	364	4	i.	i.	PROPN
ajfti-3807	364	5	,	,	PUNCT
ajfti-3807	364	6	aisjah	aisjah	PROPN
ajfti-3807	364	7	,	,	PUNCT
ajfti-3807	364	8	s.	s.	PROPN
ajfti-3807	364	9	,	,	PUNCT
ajfti-3807	364	10	&	&	CCONJ
ajfti-3807	364	11	rofiaty	rofiaty	PROPN
ajfti-3807	364	12	,	,	PUNCT
ajfti-3807	364	13	r.	r.	PROPN
ajfti-3807	364	14	(	(	PUNCT
ajfti-3807	364	15	2021	2021	NUM
ajfti-3807	364	16	)	)	PUNCT
ajfti-3807	364	17	.	.	PUNCT
ajfti-3807	365	1	the	the	DET
ajfti-3807	365	2	effect	effect	NOUN
ajfti-3807	365	3	of	of	ADP
ajfti-3807	365	4	perceived	perceive	VERB
ajfti-3807	365	5	usefulness	usefulness	NOUN
ajfti-3807	365	6	,	,	PUNCT
ajfti-3807	365	7	perceived	perceive	VERB
ajfti-3807	365	8	ease	ease	NOUN
ajfti-3807	365	9	of	of	ADP
ajfti-3807	365	10	use	use	NOUN
ajfti-3807	365	11	,	,	PUNCT
ajfti-3807	365	12	and	and	CCONJ
ajfti-3807	365	13	social	social	ADJ
ajfti-3807	365	14	influence	influence	NOUN
ajfti-3807	365	15	on	on	ADP
ajfti-3807	365	16	the	the	DET
ajfti-3807	365	17	use	use	NOUN
ajfti-3807	365	18	of	of	ADP
ajfti-3807	365	19	mobile	mobile	ADJ
ajfti-3807	365	20	banking	banking	NOUN
ajfti-3807	365	21	through	through	ADP
ajfti-3807	365	22	the	the	DET
ajfti-3807	365	23	mediation	mediation	NOUN
ajfti-3807	365	24	of	of	ADP
ajfti-3807	365	25	attitude	attitude	NOUN
ajfti-3807	365	26	toward	toward	ADP
ajfti-3807	365	27	use	use	NOUN
ajfti-3807	365	28	.	.	PUNCT
ajfti-3807	366	1	apmba	apmba	PROPN
ajfti-3807	366	2	(	(	PUNCT
ajfti-3807	366	3	asia	asia	PROPN
ajfti-3807	366	4	pacific	pacific	PROPN
ajfti-3807	366	5	management	management	PROPN
ajfti-3807	366	6	and	and	CCONJ
ajfti-3807	366	7	business	business	NOUN
ajfti-3807	366	8	application	application	NOUN
ajfti-3807	366	9	)	)	PUNCT
ajfti-3807	366	10	,	,	PUNCT
ajfti-3807	366	11	9(3	9(3	NUM
ajfti-3807	366	12	)	)	PUNCT
ajfti-3807	366	13	,	,	PUNCT
ajfti-3807	366	14	243	243	NUM
ajfti-3807	366	15	-	-	SYM
ajfti-3807	366	16	260	260	NUM
ajfti-3807	366	17	.	.	PUNCT
ajfti-3807	367	1	rahman	rahman	PROPN
ajfti-3807	367	2	,	,	PUNCT
ajfti-3807	367	3	m.	m.	NOUN
ajfti-3807	367	4	,	,	PUNCT
ajfti-3807	367	5	ismail	ismail	PROPN
ajfti-3807	367	6	,	,	PUNCT
ajfti-3807	367	7	i.	i.	PROPN
ajfti-3807	367	8	,	,	PUNCT
ajfti-3807	367	9	bahri	bahri	PROPN
ajfti-3807	367	10	,	,	PUNCT
ajfti-3807	367	11	s.	s.	PROPN
ajfti-3807	367	12	,	,	PUNCT
ajfti-3807	367	13	&	&	CCONJ
ajfti-3807	367	14	rahman	rahman	PROPN
ajfti-3807	367	15	,	,	PUNCT
ajfti-3807	367	16	m.	m.	PROPN
ajfti-3807	367	17	k.	k.	PROPN
ajfti-3807	367	18	(	(	PUNCT
ajfti-3807	367	19	2022	2022	NUM
ajfti-3807	367	20	)	)	PUNCT
ajfti-3807	367	21	.	.	PUNCT
ajfti-3807	368	1	an	an	DET
ajfti-3807	368	2	empirical	empirical	ADJ
ajfti-3807	368	3	analysis	analysis	NOUN
ajfti-3807	368	4	of	of	ADP
ajfti-3807	368	5	cashless	cashless	NOUN
ajfti-3807	368	6	payment	payment	NOUN
ajfti-3807	368	7	systems	system	NOUN
ajfti-3807	368	8	for	for	ADP
ajfti-3807	368	9	business	business	NOUN
ajfti-3807	368	10	transactions	transaction	NOUN
ajfti-3807	368	11	.	.	PUNCT
ajfti-3807	369	1	journal	journal	NOUN
ajfti-3807	369	2	of	of	ADP
ajfti-3807	369	3	open	open	ADJ
ajfti-3807	369	4	innovation	innovation	NOUN
ajfti-3807	369	5	:	:	PUNCT
ajfti-3807	369	6	technology	technology	NOUN
ajfti-3807	369	7	,	,	PUNCT
ajfti-3807	369	8	market	market	NOUN
ajfti-3807	369	9	,	,	PUNCT
ajfti-3807	369	10	and	and	CCONJ
ajfti-3807	369	11	complexity	complexity	NOUN
ajfti-3807	369	12	,	,	PUNCT
ajfti-3807	369	13	8(4	8(4	NUM
ajfti-3807	369	14	)	)	PUNCT
ajfti-3807	369	15	,	,	PUNCT
ajfti-3807	369	16	213	213	NUM
ajfti-3807	369	17	.	.	PUNCT
ajfti-3807	370	1	rajasulochana	rajasulochana	PROPN
ajfti-3807	370	2	,	,	PUNCT
ajfti-3807	370	3	d.	d.	PROPN
ajfti-3807	370	4	s.	s.	PROPN
ajfti-3807	370	5	m.	m.	PROPN
ajfti-3807	370	6	(	(	PUNCT
ajfti-3807	370	7	2022	2022	NUM
ajfti-3807	370	8	)	)	PUNCT
ajfti-3807	370	9	.	.	PUNCT
ajfti-3807	371	1	e	e	X
ajfti-3807	371	2	-	-	NOUN
ajfti-3807	371	3	banking	banking	NOUN
ajfti-3807	371	4	and	and	CCONJ
ajfti-3807	371	5	customers	customer	NOUN
ajfti-3807	371	6	’	'	PUNCT
ajfti-3807	371	7	satisfaction	satisfaction	NOUN
ajfti-3807	371	8	in	in	ADP
ajfti-3807	371	9	public	public	ADJ
ajfti-3807	371	10	and	and	CCONJ
ajfti-3807	371	11	private	private	ADJ
ajfti-3807	371	12	sector	sector	NOUN
ajfti-3807	371	13	banks	bank	NOUN
ajfti-3807	371	14	in	in	ADP
ajfti-3807	371	15	karnataka	karnataka	PROPN
ajfti-3807	371	16	:	:	PUNCT
ajfti-3807	371	17	an	an	DET
ajfti-3807	371	18	empirical	empirical	ADJ
ajfti-3807	371	19	analysis	analysis	NOUN
ajfti-3807	371	20	.	.	PUNCT
ajfti-3807	372	1	journal	journal	NOUN
ajfti-3807	372	2	of	of	ADP
ajfti-3807	372	3	positive	positive	ADJ
ajfti-3807	372	4	school	school	NOUN
ajfti-3807	372	5	psychology	psychology	NOUN
ajfti-3807	372	6	,	,	PUNCT
ajfti-3807	372	7	6(8	6(8	NUM
ajfti-3807	372	8	)	)	PUNCT
ajfti-3807	372	9	,	,	PUNCT
ajfti-3807	372	10	8270	8270	NUM
ajfti-3807	372	11	-	-	SYM
ajfti-3807	372	12	8279	8279	NUM
ajfti-3807	372	13	.	.	PUNCT
ajfti-3807	373	1	rawwash	rawwash	PROPN
ajfti-3807	373	2	,	,	PUNCT
ajfti-3807	373	3	h.	h.	PROPN
ajfti-3807	373	4	,	,	PUNCT
ajfti-3807	373	5	masad	masad	PROPN
ajfti-3807	373	6	,	,	PUNCT
ajfti-3807	373	7	f.	f.	PROPN
ajfti-3807	373	8	,	,	PUNCT
ajfti-3807	373	9	enaizan	enaizan	PROPN
ajfti-3807	373	10	,	,	PUNCT
ajfti-3807	373	11	o.	o.	PROPN
ajfti-3807	373	12	,	,	PUNCT
ajfti-3807	373	13	eneizan	eneizan	PROPN
ajfti-3807	373	14	,	,	PUNCT
ajfti-3807	373	15	b.	b.	PROPN
ajfti-3807	373	16	,	,	PUNCT
ajfti-3807	373	17	adaileh	adaileh	NOUN
ajfti-3807	373	18	,	,	PUNCT
ajfti-3807	373	19	m.	m.	NOUN
ajfti-3807	373	20	,	,	PUNCT
ajfti-3807	373	21	saleh	saleh	NOUN
ajfti-3807	373	22	,	,	PUNCT
ajfti-3807	373	23	a.	a.	PROPN
ajfti-3807	373	24	,	,	PUNCT
ajfti-3807	373	25	&	&	CCONJ
ajfti-3807	373	26	almestarihi	almestarihi	PROPN
ajfti-3807	373	27	,	,	PUNCT
ajfti-3807	373	28	r.	r.	PROPN
ajfti-3807	373	29	(	(	PUNCT
ajfti-3807	373	30	2020	2020	NUM
ajfti-3807	373	31	)	)	PUNCT
ajfti-3807	373	32	.	.	PUNCT
ajfti-3807	374	1	factors	factor	NOUN
ajfti-3807	374	2	affecting	affect	VERB
ajfti-3807	374	3	jordanian	jordanian	ADJ
ajfti-3807	374	4	electronic	electronic	ADJ
ajfti-3807	374	5	banking	banking	NOUN
ajfti-3807	374	6	services	service	NOUN
ajfti-3807	374	7	.	.	PUNCT
ajfti-3807	375	1	management	management	NOUN
ajfti-3807	375	2	science	science	NOUN
ajfti-3807	375	3	letters	letter	NOUN
ajfti-3807	375	4	,	,	PUNCT
ajfti-3807	375	5	10(4	10(4	NUM
ajfti-3807	375	6	)	)	PUNCT
ajfti-3807	375	7	,	,	PUNCT
ajfti-3807	375	8	915	915	NUM
ajfti-3807	375	9	-	-	SYM
ajfti-3807	375	10	922	922	NUM
ajfti-3807	375	11	.	.	PUNCT
ajfti-3807	376	1	renzaho	renzaho	NOUN
ajfti-3807	376	2	,	,	PUNCT
ajfti-3807	376	3	a.	a.	NOUN
ajfti-3807	376	4	m.	m.	NOUN
ajfti-3807	376	5	,	,	PUNCT
ajfti-3807	376	6	dachi	dachi	PROPN
ajfti-3807	376	7	,	,	PUNCT
ajfti-3807	376	8	g.	g.	PROPN
ajfti-3807	376	9	,	,	PUNCT
ajfti-3807	376	10	ategbo	ategbo	PROPN
ajfti-3807	376	11	,	,	PUNCT
ajfti-3807	376	12	e.	e.	PROPN
ajfti-3807	376	13	,	,	PUNCT
ajfti-3807	376	14	chitekwe	chitekwe	VERB
ajfti-3807	376	15	,	,	PUNCT
ajfti-3807	376	16	s.	s.	PROPN
ajfti-3807	376	17	,	,	PUNCT
ajfti-3807	376	18	&	&	CCONJ
ajfti-3807	376	19	doh	doh	PROPN
ajfti-3807	376	20	,	,	PUNCT
ajfti-3807	376	21	d.	d.	PROPN
ajfti-3807	376	22	(	(	PUNCT
ajfti-3807	376	23	2022	2022	NUM
ajfti-3807	376	24	)	)	PUNCT
ajfti-3807	376	25	.	.	PUNCT
ajfti-3807	377	1	pathways	pathway	NOUN
ajfti-3807	377	2	and	and	CCONJ
ajfti-3807	377	3	approaches	approach	NOUN
ajfti-3807	377	4	for	for	ADP
ajfti-3807	377	5	scalingup	scalingup	NOUN
ajfti-3807	377	6	of	of	ADP
ajfti-3807	377	7	community	community	NOUN
ajfti-3807	377	8	-	-	PUNCT
ajfti-3807	377	9	based	base	VERB
ajfti-3807	377	10	management	management	NOUN
ajfti-3807	377	11	of	of	ADP
ajfti-3807	377	12	acute	acute	ADJ
ajfti-3807	377	13	malnutrition	malnutrition	NOUN
ajfti-3807	377	14	programs	program	NOUN
ajfti-3807	377	15	through	through	ADP
ajfti-3807	377	16	the	the	DET
ajfti-3807	377	17	lens	lens	NOUN
ajfti-3807	377	18	of	of	ADP
ajfti-3807	377	19	complex	complex	ADJ
ajfti-3807	377	20	adaptive	adaptive	ADJ
ajfti-3807	377	21	systems	system	NOUN
ajfti-3807	377	22	in	in	ADP
ajfti-3807	377	23	south	south	PROPN
ajfti-3807	377	24	sudan	sudan	PROPN
ajfti-3807	377	25	.	.	PUNCT
ajfti-3807	378	1	archives	archive	NOUN
ajfti-3807	378	2	of	of	ADP
ajfti-3807	378	3	public	public	ADJ
ajfti-3807	378	4	health	health	NOUN
ajfti-3807	378	5	,	,	PUNCT
ajfti-3807	378	6	80(1	80(1	NUM
ajfti-3807	378	7	)	)	PUNCT
ajfti-3807	378	8	,	,	PUNCT
ajfti-3807	378	9	203	203	NUM
ajfti-3807	378	10	.	.	PUNCT
ajfti-3807	378	11	rossi	rossi	PROPN
ajfti-3807	378	12	,	,	PUNCT
ajfti-3807	378	13	f.	f.	PROPN
ajfti-3807	378	14	d.	d.	PROPN
ajfti-3807	378	15	,	,	PUNCT
ajfti-3807	378	16	hohemberger	hohemberger	NOUN
ajfti-3807	378	17	,	,	PUNCT
ajfti-3807	378	18	r.	r.	PROPN
ajfti-3807	378	19	,	,	PUNCT
ajfti-3807	378	20	konzen	konzen	NOUN
ajfti-3807	378	21	,	,	PUNCT
ajfti-3807	378	22	m.	m.	NOUN
ajfti-3807	378	23	p.	p.	PROPN
ajfti-3807	378	24	,	,	PUNCT
ajfti-3807	378	25	&	&	CCONJ
ajfti-3807	378	26	temp	temp	PROPN
ajfti-3807	378	27	,	,	PUNCT
ajfti-3807	378	28	d.	d.	PROPN
ajfti-3807	378	29	c.	c.	PROPN
ajfti-3807	378	30	(	(	PUNCT
ajfti-3807	378	31	2021	2021	NUM
ajfti-3807	378	32	)	)	PUNCT
ajfti-3807	378	33	.	.	PUNCT
ajfti-3807	379	1	e	e	X
ajfti-3807	379	2	-	-	ADJ
ajfti-3807	379	3	banking	banking	ADJ
ajfti-3807	379	4	security	security	NOUN
ajfti-3807	379	5	:	:	PUNCT
ajfti-3807	379	6	threats	threat	NOUN
ajfti-3807	379	7	,	,	PUNCT
ajfti-3807	379	8	challenges	challenge	NOUN
ajfti-3807	379	9	,	,	PUNCT
ajfti-3807	379	10	solutions	solution	NOUN
ajfti-3807	379	11	,	,	PUNCT
ajfti-3807	379	12	and	and	CCONJ
ajfti-3807	379	13	trends	trend	NOUN
ajfti-3807	379	14	.	.	PUNCT
ajfti-3807	380	1	in	in	ADP
ajfti-3807	380	2	research	research	NOUN
ajfti-3807	380	3	anthology	anthology	NOUN
ajfti-3807	380	4	on	on	ADP
ajfti-3807	380	5	concepts	concept	NOUN
ajfti-3807	380	6	,	,	PUNCT
ajfti-3807	380	7	applications	application	NOUN
ajfti-3807	380	8	,	,	PUNCT
ajfti-3807	380	9	and	and	CCONJ
ajfti-3807	380	10	challenges	challenge	NOUN
ajfti-3807	380	11	of	of	ADP
ajfti-3807	380	12	fintech	fintech	NOUN
ajfti-3807	380	13	(	(	PUNCT
ajfti-3807	380	14	pp	pp	ADJ
ajfti-3807	380	15	.	.	PUNCT
ajfti-3807	380	16	385	385	NUM
ajfti-3807	380	17	-	-	SYM
ajfti-3807	380	18	397	397	NUM
ajfti-3807	380	19	)	)	PUNCT
ajfti-3807	380	20	.	.	PUNCT
ajfti-3807	381	1	igi	igi	PROPN
ajfti-3807	381	2	global	global	PROPN
ajfti-3807	381	3	.	.	PUNCT
ajfti-3807	381	4	rymarczyk	rymarczyk	PROPN
ajfti-3807	381	5	,	,	PUNCT
ajfti-3807	381	6	j.	j.	PROPN
ajfti-3807	381	7	(	(	PUNCT
ajfti-3807	381	8	2021	2021	NUM
ajfti-3807	381	9	)	)	PUNCT
ajfti-3807	381	10	.	.	PUNCT
ajfti-3807	382	1	the	the	DET
ajfti-3807	382	2	impact	impact	NOUN
ajfti-3807	382	3	of	of	ADP
ajfti-3807	382	4	industrial	industrial	ADJ
ajfti-3807	382	5	revolution	revolution	NOUN
ajfti-3807	382	6	4.0	4.0	NUM
ajfti-3807	382	7	on	on	ADP
ajfti-3807	382	8	international	international	ADJ
ajfti-3807	382	9	trade	trade	NOUN
ajfti-3807	382	10	.	.	PUNCT
ajfti-3807	383	1	entrepreneurial	entrepreneurial	ADJ
ajfti-3807	383	2	business	business	NOUN
ajfti-3807	383	3	and	and	CCONJ
ajfti-3807	383	4	economics	economic	NOUN
ajfti-3807	383	5	review	review	NOUN
ajfti-3807	383	6	,	,	PUNCT
ajfti-3807	383	7	9(1	9(1	NUM
ajfti-3807	383	8	)	)	PUNCT
ajfti-3807	383	9	,	,	PUNCT
ajfti-3807	383	10	105	105	NUM
ajfti-3807	383	11	-	-	SYM
ajfti-3807	383	12	117	117	NUM
ajfti-3807	383	13	.	.	PUNCT
ajfti-3807	384	1	sahut	sahut	PROPN
ajfti-3807	384	2	,	,	PUNCT
ajfti-3807	384	3	j.-m	j.-m	NOUN
ajfti-3807	384	4	.	.	PUNCT
ajfti-3807	385	1	(	(	PUNCT
ajfti-3807	385	2	2021	2021	NUM
ajfti-3807	385	3	)	)	PUNCT
ajfti-3807	385	4	.	.	PUNCT
ajfti-3807	386	1	advantages	advantage	NOUN
ajfti-3807	386	2	of	of	ADP
ajfti-3807	386	3	e	e	NOUN
ajfti-3807	386	4	-	-	NOUN
ajfti-3807	386	5	banking	banking	NOUN
ajfti-3807	386	6	.	.	PUNCT
ajfti-3807	387	1	journal	journal	PROPN
ajfti-3807	387	2	of	of	ADP
ajfti-3807	387	3	internet	internet	NOUN
ajfti-3807	387	4	banking	banking	NOUN
ajfti-3807	387	5	and	and	CCONJ
ajfti-3807	387	6	commerce	commerce	PROPN
ajfti-3807	387	7	,	,	PUNCT
ajfti-3807	387	8	26(5	26(5	PROPN
ajfti-3807	387	9	)	)	PUNCT
ajfti-3807	387	10	,	,	PUNCT
ajfti-3807	387	11	1	1	NUM
ajfti-3807	387	12	-	-	SYM
ajfti-3807	387	13	1	1	NUM
ajfti-3807	387	14	.	.	PUNCT
ajfti-3807	388	1	salim	salim	PROPN
ajfti-3807	388	2	,	,	PUNCT
ajfti-3807	388	3	b.	b.	PROPN
ajfti-3807	388	4	f.	f.	PROPN
ajfti-3807	388	5	,	,	PUNCT
ajfti-3807	388	6	mahmoud	mahmoud	PROPN
ajfti-3807	388	7	,	,	PUNCT
ajfti-3807	388	8	m.	m.	PROPN
ajfti-3807	388	9	h.	h.	PROPN
ajfti-3807	388	10	,	,	PUNCT
ajfti-3807	388	11	&	&	CCONJ
ajfti-3807	388	12	khair	khair	PROPN
ajfti-3807	388	13	,	,	PUNCT
ajfti-3807	388	14	h.	h.	PROPN
ajfti-3807	388	15	m.	m.	PROPN
ajfti-3807	388	16	(	(	PUNCT
ajfti-3807	388	17	2016	2016	NUM
ajfti-3807	388	18	)	)	PUNCT
ajfti-3807	388	19	.	.	PUNCT
ajfti-3807	389	1	perceived	perceive	VERB
ajfti-3807	389	2	factors	factor	NOUN
ajfti-3807	389	3	affecting	affect	VERB
ajfti-3807	389	4	the	the	DET
ajfti-3807	389	5	internet	internet	NOUN
ajfti-3807	389	6	banking	banking	NOUN
ajfti-3807	389	7	implementation	implementation	NOUN
ajfti-3807	389	8	in	in	ADP
ajfti-3807	389	9	sudan	sudan	PROPN
ajfti-3807	389	10	:	:	PUNCT
ajfti-3807	389	11	an	an	DET
ajfti-3807	389	12	application	application	NOUN
ajfti-3807	389	13	of	of	ADP
ajfti-3807	389	14	(	(	PUNCT
ajfti-3807	389	15	utaut2	utaut2	PROPN
ajfti-3807	389	16	)	)	PUNCT
ajfti-3807	389	17	.	.	PUNCT
ajfti-3807	390	1	international	international	ADJ
ajfti-3807	390	2	journal	journal	PROPN
ajfti-3807	390	3	of	of	ADP
ajfti-3807	390	4	applied	apply	VERB
ajfti-3807	390	5	business	business	NOUN
ajfti-3807	390	6	and	and	CCONJ
ajfti-3807	390	7	economic	economic	ADJ
ajfti-3807	390	8	research	research	NOUN
ajfti-3807	390	9	,	,	PUNCT
ajfti-3807	390	10	14(1	14(1	NUM
ajfti-3807	390	11	)	)	PUNCT
ajfti-3807	390	12	,	,	PUNCT
ajfti-3807	390	13	1	1	NUM
ajfti-3807	390	14	-	-	SYM
ajfti-3807	390	15	16	16	NUM
ajfti-3807	390	16	.	.	PUNCT
ajfti-3807	391	1	sasono	sasono	PROPN
ajfti-3807	391	2	,	,	PUNCT
ajfti-3807	391	3	i.	i.	PROPN
ajfti-3807	391	4	,	,	PUNCT
ajfti-3807	391	5	jubaedi	jubaedi	PROPN
ajfti-3807	391	6	,	,	PUNCT
ajfti-3807	391	7	a.	a.	PROPN
ajfti-3807	391	8	d.	d.	PROPN
ajfti-3807	391	9	,	,	PUNCT
ajfti-3807	391	10	novitasari	novitasari	PROPN
ajfti-3807	391	11	,	,	PUNCT
ajfti-3807	391	12	d.	d.	PROPN
ajfti-3807	391	13	,	,	PUNCT
ajfti-3807	391	14	wiyono	wiyono	PROPN
ajfti-3807	391	15	,	,	PUNCT
ajfti-3807	391	16	n.	n.	NOUN
ajfti-3807	391	17	,	,	PUNCT
ajfti-3807	391	18	riyanto	riyanto	PROPN
ajfti-3807	391	19	,	,	PUNCT
ajfti-3807	391	20	r.	r.	PROPN
ajfti-3807	391	21	,	,	PUNCT
ajfti-3807	391	22	oktabrianto	oktabrianto	PROPN
ajfti-3807	391	23	,	,	PUNCT
ajfti-3807	391	24	o.	o.	PROPN
ajfti-3807	391	25	,	,	PUNCT
ajfti-3807	391	26	jainuri	jainuri	PROPN
ajfti-3807	391	27	,	,	PUNCT
ajfti-3807	391	28	j.	j.	PROPN
ajfti-3807	391	29	,	,	PUNCT
ajfti-3807	391	30	&	&	CCONJ
ajfti-3807	391	31	waruwu	waruwu	PROPN
ajfti-3807	391	32	,	,	PUNCT
ajfti-3807	391	33	h.	h.	PROPN
ajfti-3807	391	34	(	(	PUNCT
ajfti-3807	391	35	2021	2021	NUM
ajfti-3807	391	36	)	)	PUNCT
ajfti-3807	391	37	.	.	PUNCT
ajfti-3807	392	1	the	the	DET
ajfti-3807	392	2	impact	impact	NOUN
ajfti-3807	392	3	of	of	ADP
ajfti-3807	392	4	e	e	NOUN
ajfti-3807	392	5	-	-	NOUN
ajfti-3807	392	6	service	service	ADJ
ajfti-3807	392	7	quality	quality	NOUN
ajfti-3807	392	8	and	and	CCONJ
ajfti-3807	392	9	satisfaction	satisfaction	NOUN
ajfti-3807	392	10	on	on	ADP
ajfti-3807	392	11	customer	customer	NOUN
ajfti-3807	392	12	loyalty	loyalty	NOUN
ajfti-3807	392	13	:	:	PUNCT
ajfti-3807	392	14	empirical	empirical	ADJ
ajfti-3807	392	15	evidence	evidence	NOUN
ajfti-3807	392	16	from	from	ADP
ajfti-3807	392	17	internet	internet	NOUN
ajfti-3807	392	18	banking	banking	NOUN
ajfti-3807	392	19	users	user	NOUN
ajfti-3807	392	20	in	in	ADP
ajfti-3807	392	21	indonesia	indonesia	PROPN
ajfti-3807	392	22	.	.	PUNCT
ajfti-3807	393	1	the	the	DET
ajfti-3807	393	2	journal	journal	NOUN
ajfti-3807	393	3	of	of	ADP
ajfti-3807	393	4	asian	asian	ADJ
ajfti-3807	393	5	finance	finance	NOUN
ajfti-3807	393	6	,	,	PUNCT
ajfti-3807	393	7	economics	economic	NOUN
ajfti-3807	393	8	and	and	CCONJ
ajfti-3807	393	9	business	business	NOUN
ajfti-3807	393	10	,	,	PUNCT
ajfti-3807	393	11	8(4	8(4	NUM
ajfti-3807	393	12	)	)	PUNCT
ajfti-3807	393	13	,	,	PUNCT
ajfti-3807	393	14	465–473	465–473	NUM
ajfti-3807	393	15	.	.	PUNCT
ajfti-3807	394	1	sekhar	sekhar	PROPN
ajfti-3807	394	2	,	,	PUNCT
ajfti-3807	394	3	s.	s.	PROPN
ajfti-3807	394	4	c.	c.	PROPN
ajfti-3807	394	5	(	(	PUNCT
ajfti-3807	394	6	2020	2020	NUM
ajfti-3807	394	7	)	)	PUNCT
ajfti-3807	394	8	.	.	PUNCT
ajfti-3807	395	1	a	a	DET
ajfti-3807	395	2	study	study	NOUN
ajfti-3807	395	3	on	on	ADP
ajfti-3807	395	4	effectiveness	effectiveness	NOUN
ajfti-3807	395	5	of	of	ADP
ajfti-3807	395	6	electronic	electronic	ADJ
ajfti-3807	395	7	banking	banking	NOUN
ajfti-3807	395	8	system	system	NOUN
ajfti-3807	395	9	.	.	PUNCT
ajfti-3807	396	1	sanshodhan	sanshodhan	PROPN
ajfti-3807	396	2	,	,	PUNCT
ajfti-3807	396	3	8	8	NUM
ajfti-3807	396	4	-	-	SYM
ajfti-3807	396	5	13	13	NUM
ajfti-3807	396	6	.	.	PUNCT
ajfti-3807	397	1	sharma	sharma	PROPN
ajfti-3807	397	2	,	,	PUNCT
ajfti-3807	397	3	r.	r.	PROPN
ajfti-3807	397	4	,	,	PUNCT
ajfti-3807	397	5	singh	singh	PROPN
ajfti-3807	397	6	,	,	PUNCT
ajfti-3807	397	7	g.	g.	PROPN
ajfti-3807	397	8	,	,	PUNCT
ajfti-3807	397	9	&	&	CCONJ
ajfti-3807	397	10	sharma	sharma	PROPN
ajfti-3807	397	11	,	,	PUNCT
ajfti-3807	397	12	s.	s.	PROPN
ajfti-3807	397	13	(	(	PUNCT
ajfti-3807	397	14	2020	2020	NUM
ajfti-3807	397	15	)	)	PUNCT
ajfti-3807	397	16	.	.	PUNCT
ajfti-3807	398	1	modelling	model	VERB
ajfti-3807	398	2	internet	internet	NOUN
ajfti-3807	398	3	banking	banking	NOUN
ajfti-3807	398	4	adoption	adoption	NOUN
ajfti-3807	398	5	in	in	ADP
ajfti-3807	398	6	fiji	fiji	PROPN
ajfti-3807	398	7	:	:	PUNCT
ajfti-3807	398	8	a	a	DET
ajfti-3807	398	9	developing	develop	VERB
ajfti-3807	398	10	country	country	NOUN
ajfti-3807	398	11	perspective	perspective	NOUN
ajfti-3807	398	12	.	.	PUNCT
ajfti-3807	399	1	international	international	ADJ
ajfti-3807	399	2	journal	journal	PROPN
ajfti-3807	399	3	of	of	ADP
ajfti-3807	399	4	information	information	NOUN
ajfti-3807	399	5	management	management	NOUN
ajfti-3807	399	6	,	,	PUNCT
ajfti-3807	399	7	53	53	NUM
ajfti-3807	399	8	,	,	PUNCT
ajfti-3807	399	9	102116	102116	NUM
ajfti-3807	399	10	.	.	PUNCT
ajfti-3807	400	1	sleiman	sleiman	NOUN
ajfti-3807	400	2	,	,	PUNCT
ajfti-3807	400	3	k.	k.	PROPN
ajfti-3807	400	4	a.	a.	PROPN
ajfti-3807	400	5	a.	a.	PROPN
ajfti-3807	400	6	,	,	PUNCT
ajfti-3807	400	7	jin	jin	PROPN
ajfti-3807	400	8	,	,	PUNCT
ajfti-3807	400	9	w.	w.	PROPN
ajfti-3807	400	10	,	,	PUNCT
ajfti-3807	400	11	juanli	juanli	PROPN
ajfti-3807	400	12	,	,	PUNCT
ajfti-3807	400	13	l.	l.	PROPN
ajfti-3807	400	14	,	,	PUNCT
ajfti-3807	400	15	lei	lei	PROPN
ajfti-3807	400	16	,	,	PUNCT
ajfti-3807	400	17	h.	h.	PROPN
ajfti-3807	400	18	z.	z.	PROPN
ajfti-3807	400	19	,	,	PUNCT
ajfti-3807	400	20	cheng	cheng	PROPN
ajfti-3807	400	21	,	,	PUNCT
ajfti-3807	400	22	j.	j.	PROPN
ajfti-3807	400	23	,	,	PUNCT
ajfti-3807	400	24	ouyang	ouyang	PROPN
ajfti-3807	400	25	,	,	PUNCT
ajfti-3807	400	26	y.	y.	PROPN
ajfti-3807	400	27	,	,	PUNCT
ajfti-3807	400	28	&	&	CCONJ
ajfti-3807	400	29	rong	rong	PROPN
ajfti-3807	400	30	,	,	PUNCT
ajfti-3807	400	31	w.	w.	PROPN
ajfti-3807	400	32	(	(	PUNCT
ajfti-3807	400	33	2022	2022	NUM
ajfti-3807	400	34	)	)	PUNCT
ajfti-3807	400	35	.	.	PUNCT
ajfti-3807	401	1	the	the	DET
ajfti-3807	401	2	factors	factor	NOUN
ajfti-3807	401	3	of	of	ADP
ajfti-3807	401	4	continuance	continuance	NOUN
ajfti-3807	401	5	intention	intention	NOUN
ajfti-3807	401	6	to	to	PART
ajfti-3807	401	7	use	use	VERB
ajfti-3807	401	8	mobile	mobile	ADJ
ajfti-3807	401	9	payments	payment	NOUN
ajfti-3807	401	10	in	in	ADP
ajfti-3807	401	11	sudan	sudan	PROPN
ajfti-3807	401	12	.	.	PUNCT
ajfti-3807	402	1	sage	sage	NOUN
ajfti-3807	402	2	open	open	ADJ
ajfti-3807	402	3	,	,	PUNCT
ajfti-3807	402	4	12(3	12(3	NUM
ajfti-3807	402	5	)	)	PUNCT
ajfti-3807	402	6	,	,	PUNCT
ajfti-3807	402	7	21582440221114333	21582440221114333	NUM
ajfti-3807	402	8	.	.	PUNCT
ajfti-3807	403	1	sleiman	sleiman	NOUN
ajfti-3807	403	2	,	,	PUNCT
ajfti-3807	403	3	k.	k.	PROPN
ajfti-3807	403	4	a.	a.	PROPN
ajfti-3807	403	5	a.	a.	PROPN
ajfti-3807	403	6	,	,	PUNCT
ajfti-3807	403	7	juanli	juanli	PROPN
ajfti-3807	403	8	,	,	PUNCT
ajfti-3807	403	9	l.	l.	PROPN
ajfti-3807	403	10	,	,	PUNCT
ajfti-3807	403	11	cai	cai	PROPN
ajfti-3807	403	12	,	,	PUNCT
ajfti-3807	403	13	x.	x.	PROPN
ajfti-3807	403	14	,	,	PUNCT
ajfti-3807	403	15	lei	lei	PROPN
ajfti-3807	403	16	,	,	PUNCT
ajfti-3807	403	17	h.	h.	PROPN
ajfti-3807	403	18	,	,	PUNCT
ajfti-3807	403	19	&	&	CCONJ
ajfti-3807	403	20	liua	liua	PROPN
ajfti-3807	403	21	,	,	PUNCT
ajfti-3807	403	22	r.	r.	PROPN
ajfti-3807	403	23	(	(	PUNCT
ajfti-3807	403	24	2021	2021	NUM
ajfti-3807	403	25	)	)	PUNCT
ajfti-3807	403	26	.	.	PUNCT
ajfti-3807	404	1	antecedents	antecedent	NOUN
ajfti-3807	404	2	of	of	ADP
ajfti-3807	404	3	the	the	DET
ajfti-3807	404	4	adoption	adoption	NOUN
ajfti-3807	404	5	of	of	ADP
ajfti-3807	404	6	the	the	DET
ajfti-3807	404	7	new	new	ADJ
ajfti-3807	404	8	mobile	mobile	ADJ
ajfti-3807	404	9	payment	payment	NOUN
ajfti-3807	404	10	system	system	NOUN
ajfti-3807	404	11	in	in	ADP
ajfti-3807	404	12	sudan	sudan	PROPN
ajfti-3807	404	13	.	.	PUNCT
ajfti-3807	405	1	revista	revista	PROPN
ajfti-3807	405	2	argentina	argentina	PROPN
ajfti-3807	405	3	de	de	PROPN
ajfti-3807	405	4	clínica	clínica	PROPN
ajfti-3807	405	5	psicológica	psicológica	PROPN
ajfti-3807	405	6	,	,	PUNCT
ajfti-3807	405	7	30(2	30(2	NUM
ajfti-3807	405	8	)	)	PUNCT
ajfti-3807	405	9	,	,	PUNCT
ajfti-3807	405	10	212	212	NUM
ajfti-3807	405	11	.	.	PUNCT
ajfti-3807	406	1	subanidja	subanidja	PROPN
ajfti-3807	406	2	,	,	PUNCT
ajfti-3807	406	3	s.	s.	PROPN
ajfti-3807	406	4	,	,	PUNCT
ajfti-3807	406	5	sorongan	sorongan	PROPN
ajfti-3807	406	6	,	,	PUNCT
ajfti-3807	406	7	f.	f.	PROPN
ajfti-3807	406	8	a.	a.	PROPN
ajfti-3807	406	9	,	,	PUNCT
ajfti-3807	406	10	&	&	CCONJ
ajfti-3807	406	11	legowo	legowo	PROPN
ajfti-3807	406	12	,	,	PUNCT
ajfti-3807	406	13	m.	m.	PROPN
ajfti-3807	406	14	b.	b.	PROPN
ajfti-3807	406	15	(	(	PUNCT
ajfti-3807	406	16	2022	2022	NUM
ajfti-3807	406	17	)	)	PUNCT
ajfti-3807	406	18	.	.	PUNCT
ajfti-3807	407	1	leveraging	leverage	VERB
ajfti-3807	407	2	financial	financial	ADJ
ajfti-3807	407	3	technology	technology	NOUN
ajfti-3807	407	4	entity	entity	NOUN
ajfti-3807	407	5	into	into	ADP
ajfti-3807	407	6	sustainable	sustainable	ADJ
ajfti-3807	407	7	bank	bank	NOUN
ajfti-3807	407	8	performance	performance	NOUN
ajfti-3807	407	9	through	through	ADP
ajfti-3807	407	10	a	a	DET
ajfti-3807	407	11	competitive	competitive	ADJ
ajfti-3807	407	12	advantage	advantage	NOUN
ajfti-3807	407	13	.	.	PUNCT
ajfti-3807	408	1	emerging	emerge	VERB
ajfti-3807	408	2	science	science	NOUN
ajfti-3807	408	3	journal	journal	NOUN
ajfti-3807	408	4	,	,	PUNCT
ajfti-3807	408	5	6(1	6(1	NUM
ajfti-3807	408	6	)	)	PUNCT
ajfti-3807	408	7	,	,	PUNCT
ajfti-3807	408	8	53	53	NUM
ajfti-3807	408	9	-	-	SYM
ajfti-3807	408	10	63	63	NUM
ajfti-3807	408	11	.	.	PUNCT
ajfti-3807	409	1	sudirjo	sudirjo	PROPN
ajfti-3807	409	2	,	,	PUNCT
ajfti-3807	409	3	f.	f.	PROPN
ajfti-3807	409	4	,	,	PUNCT
ajfti-3807	409	5	dewa	dewa	PROPN
ajfti-3807	409	6	,	,	PUNCT
ajfti-3807	409	7	d.	d.	PROPN
ajfti-3807	409	8	m.	m.	PROPN
ajfti-3807	409	9	r.	r.	PROPN
ajfti-3807	409	10	t.	t.	PROPN
ajfti-3807	409	11	,	,	PUNCT
ajfti-3807	409	12	kesuma	kesuma	PROPN
ajfti-3807	409	13	,	,	PUNCT
ajfti-3807	409	14	l.	l.	PROPN
ajfti-3807	409	15	i.	i.	PROPN
ajfti-3807	409	16	,	,	PUNCT
ajfti-3807	409	17	suryaningsih	suryaningsih	PROPN
ajfti-3807	409	18	,	,	PUNCT
ajfti-3807	409	19	l.	l.	PROPN
ajfti-3807	409	20	,	,	PUNCT
ajfti-3807	409	21	&	&	CCONJ
ajfti-3807	409	22	utami	utami	PROPN
ajfti-3807	409	23	,	,	PUNCT
ajfti-3807	409	24	e.	e.	PROPN
ajfti-3807	409	25	y.	y.	PROPN
ajfti-3807	409	26	(	(	PUNCT
ajfti-3807	409	27	2024	2024	NUM
ajfti-3807	409	28	)	)	PUNCT
ajfti-3807	409	29	.	.	PUNCT
ajfti-3807	410	1	application	application	NOUN
ajfti-3807	410	2	of	of	ADP
ajfti-3807	410	3	the	the	DET
ajfti-3807	410	4	user	user	NOUN
ajfti-3807	410	5	centered	center	VERB
ajfti-3807	410	6	design	design	NOUN
ajfti-3807	410	7	method	method	NOUN
ajfti-3807	410	8	to	to	PART
ajfti-3807	410	9	evaluate	evaluate	VERB
ajfti-3807	410	10	the	the	DET
ajfti-3807	410	11	relationship	relationship	NOUN
ajfti-3807	410	12	between	between	ADP
ajfti-3807	410	13	user	user	NOUN
ajfti-3807	410	14	experience	experience	NOUN
ajfti-3807	410	15	,	,	PUNCT
ajfti-3807	410	16	user	user	NOUN
ajfti-3807	410	17	interface	interface	NOUN
ajfti-3807	410	18	and	and	CCONJ
ajfti-3807	410	19	customer	customer	NOUN
ajfti-3807	410	20	satisfaction	satisfaction	NOUN
ajfti-3807	410	21	on	on	ADP
ajfti-3807	410	22	banking	bank	VERB
ajfti-3807	410	23	mobile	mobile	ADJ
ajfti-3807	410	24	application	application	NOUN
ajfti-3807	410	25	.	.	PUNCT
ajfti-3807	411	1	jurnal	jurnal	ADJ
ajfti-3807	411	2	informasi	informasi	PROPN
ajfti-3807	411	3	dan	dan	PROPN
ajfti-3807	411	4	teknologi	teknologi	PROPN
ajfti-3807	411	5	,	,	PUNCT
ajfti-3807	411	6	7	7	NUM
ajfti-3807	411	7	-	-	SYM
ajfti-3807	411	8	13	13	NUM
ajfti-3807	411	9	.	.	PUNCT
ajfti-3807	412	1	uche	uche	PROPN
ajfti-3807	412	2	,	,	PUNCT
ajfti-3807	412	3	d.	d.	PROPN
ajfti-3807	412	4	b.	b.	PROPN
ajfti-3807	412	5	,	,	PUNCT
ajfti-3807	412	6	osuagwu	osuagwu	ADV
ajfti-3807	412	7	,	,	PUNCT
ajfti-3807	412	8	o.	o.	PROPN
ajfti-3807	412	9	b.	b.	PROPN
ajfti-3807	412	10	,	,	PUNCT
ajfti-3807	412	11	nwosu	nwosu	VERB
ajfti-3807	412	12	,	,	PUNCT
ajfti-3807	412	13	s.	s.	PROPN
ajfti-3807	412	14	n.	n.	PROPN
ajfti-3807	412	15	,	,	PUNCT
ajfti-3807	412	16	&	&	CCONJ
ajfti-3807	412	17	otika	otika	PROPN
ajfti-3807	412	18	,	,	PUNCT
ajfti-3807	412	19	u.	u.	PROPN
ajfti-3807	412	20	s.	s.	PROPN
ajfti-3807	412	21	(	(	PUNCT
ajfti-3807	412	22	2021	2021	NUM
ajfti-3807	412	23	)	)	PUNCT
ajfti-3807	412	24	.	.	PUNCT
ajfti-3807	413	1	integrating	integrate	VERB
ajfti-3807	413	2	trust	trust	NOUN
ajfti-3807	413	3	into	into	ADP
ajfti-3807	413	4	technology	technology	NOUN
ajfti-3807	413	5	acceptance	acceptance	NOUN
ajfti-3807	413	6	model	model	NOUN
ajfti-3807	413	7	(	(	PUNCT
ajfti-3807	413	8	tam	tam	PROPN
ajfti-3807	413	9	)	)	PUNCT
ajfti-3807	413	10	,	,	PUNCT
ajfti-3807	413	11	the	the	DET
ajfti-3807	413	12	conceptual	conceptual	ADJ
ajfti-3807	413	13	framework	framework	NOUN
ajfti-3807	413	14	for	for	ADP
ajfti-3807	413	15	e	e	NOUN
ajfti-3807	413	16	-	-	NOUN
ajfti-3807	413	17	payment	payment	NOUN
ajfti-3807	413	18	platform	platform	NOUN
ajfti-3807	413	19	acceptance	acceptance	NOUN
ajfti-3807	413	20	.	.	PUNCT
ajfti-3807	414	1	british	british	ADJ
ajfti-3807	414	2	journal	journal	PROPN
ajfti-3807	414	3	of	of	ADP
ajfti-3807	414	4	management	management	NOUN
ajfti-3807	414	5	and	and	CCONJ
ajfti-3807	414	6	marketing	marketing	NOUN
ajfti-3807	414	7	studies	study	NOUN
ajfti-3807	414	8	,	,	PUNCT
ajfti-3807	414	9	4(4	4(4	NUM
ajfti-3807	414	10	)	)	PUNCT
ajfti-3807	414	11	,	,	PUNCT
ajfti-3807	414	12	34	34	NUM
ajfti-3807	414	13	-	-	SYM
ajfti-3807	414	14	56	56	NUM
ajfti-3807	414	15	.	.	PUNCT
ajfti-3807	415	1	usman	usman	PROPN
ajfti-3807	415	2	,	,	PUNCT
ajfti-3807	415	3	o.	o.	PROPN
ajfti-3807	415	4	,	,	PUNCT
ajfti-3807	415	5	monoarfa	monoarfa	NOUN
ajfti-3807	415	6	,	,	PUNCT
ajfti-3807	415	7	t.	t.	PROPN
ajfti-3807	415	8	,	,	PUNCT
ajfti-3807	415	9	&	&	CCONJ
ajfti-3807	415	10	marsofiyati	marsofiyati	PROPN
ajfti-3807	415	11	,	,	PUNCT
ajfti-3807	415	12	m.	m.	NOUN
ajfti-3807	415	13	(	(	PUNCT
ajfti-3807	415	14	2020	2020	NUM
ajfti-3807	415	15	)	)	PUNCT
ajfti-3807	415	16	.	.	PUNCT
ajfti-3807	416	1	e	e	X
ajfti-3807	416	2	-	-	NOUN
ajfti-3807	416	3	banking	banking	ADJ
ajfti-3807	416	4	and	and	CCONJ
ajfti-3807	416	5	mobile	mobile	ADJ
ajfti-3807	416	6	banking	banking	NOUN
ajfti-3807	416	7	effects	effect	NOUN
ajfti-3807	416	8	on	on	ADP
ajfti-3807	416	9	customer	customer	NOUN
ajfti-3807	416	10	satisfaction	satisfaction	NOUN
ajfti-3807	416	11	.	.	PUNCT
ajfti-3807	417	1	accounting	accounting	NOUN
ajfti-3807	417	2	,	,	PUNCT
ajfti-3807	417	3	6(6	6(6	NOUN
ajfti-3807	417	4	)	)	PUNCT
ajfti-3807	417	5	,	,	PUNCT
ajfti-3807	417	6	1117	1117	NUM
ajfti-3807	417	7	-	-	SYM
ajfti-3807	417	8	1128	1128	NUM
ajfti-3807	417	9	.	.	PUNCT
ajfti-3807	418	1	wewege	wewege	PROPN
ajfti-3807	418	2	,	,	PUNCT
ajfti-3807	418	3	l.	l.	PROPN
ajfti-3807	418	4	,	,	PUNCT
ajfti-3807	418	5	lee	lee	PROPN
ajfti-3807	418	6	,	,	PUNCT
ajfti-3807	418	7	j.	j.	PROPN
ajfti-3807	418	8	,	,	PUNCT
ajfti-3807	418	9	&	&	CCONJ
ajfti-3807	418	10	thomsett	thomsett	PROPN
ajfti-3807	418	11	,	,	PUNCT
ajfti-3807	418	12	m.	m.	PROPN
ajfti-3807	418	13	c.	c.	PROPN
ajfti-3807	418	14	(	(	PUNCT
ajfti-3807	418	15	2020	2020	NUM
ajfti-3807	418	16	)	)	PUNCT
ajfti-3807	418	17	.	.	PUNCT
ajfti-3807	419	1	disruptions	disruption	NOUN
ajfti-3807	419	2	and	and	CCONJ
ajfti-3807	419	3	digital	digital	ADJ
ajfti-3807	419	4	banking	banking	NOUN
ajfti-3807	419	5	trends	trend	NOUN
ajfti-3807	419	6	.	.	PUNCT
ajfti-3807	420	1	journal	journal	NOUN
ajfti-3807	420	2	of	of	ADP
ajfti-3807	420	3	applied	apply	VERB
ajfti-3807	420	4	finance	finance	NOUN
ajfti-3807	420	5	and	and	CCONJ
ajfti-3807	420	6	banking	banking	NOUN
ajfti-3807	420	7	,	,	PUNCT
ajfti-3807	420	8	10(6	10(6	ADJ
ajfti-3807	420	9	)	)	PUNCT
ajfti-3807	420	10	,	,	PUNCT
ajfti-3807	420	11	15	15	NUM
ajfti-3807	420	12	-	-	SYM
ajfti-3807	420	13	56	56	NUM
ajfti-3807	420	14	.	.	PUNCT
ajfti-3807	421	1	xue	xue	PROPN
ajfti-3807	421	2	,	,	PUNCT
ajfti-3807	421	3	m.	m.	NOUN
ajfti-3807	421	4	,	,	PUNCT
ajfti-3807	421	5	hitt	hitt	PROPN
ajfti-3807	421	6	,	,	PUNCT
ajfti-3807	421	7	l.	l.	PROPN
ajfti-3807	421	8	m.	m.	PROPN
ajfti-3807	421	9	,	,	PUNCT
ajfti-3807	421	10	&	&	CCONJ
ajfti-3807	421	11	chen	chen	PROPN
ajfti-3807	421	12	,	,	PUNCT
ajfti-3807	421	13	p.-y	p.-y	PROPN
ajfti-3807	421	14	.	.	PUNCT
ajfti-3807	422	1	(	(	PUNCT
ajfti-3807	422	2	2011	2011	NUM
ajfti-3807	422	3	)	)	PUNCT
ajfti-3807	422	4	.	.	PUNCT
ajfti-3807	423	1	determinants	determinant	NOUN
ajfti-3807	423	2	and	and	CCONJ
ajfti-3807	423	3	outcomes	outcome	NOUN
ajfti-3807	423	4	of	of	ADP
ajfti-3807	423	5	internet	internet	NOUN
ajfti-3807	423	6	banking	banking	NOUN
ajfti-3807	423	7	adoption	adoption	NOUN
ajfti-3807	423	8	.	.	PUNCT
ajfti-3807	424	1	management	management	NOUN
ajfti-3807	424	2	science	science	NOUN
ajfti-3807	424	3	,	,	PUNCT
ajfti-3807	424	4	57(2	57(2	NUM
ajfti-3807	424	5	)	)	PUNCT
ajfti-3807	424	6	,	,	PUNCT
ajfti-3807	424	7	291	291	NUM
ajfti-3807	424	8	-	-	SYM
ajfti-3807	424	9	307	307	NUM
ajfti-3807	424	10	.	.	PUNCT
ajfti-3807	425	1	zhang	zhang	PROPN
ajfti-3807	425	2	,	,	PUNCT
ajfti-3807	425	3	j.	j.	PROPN
ajfti-3807	425	4	,	,	PUNCT
ajfti-3807	425	5	hassandoust	hassandoust	PROPN
ajfti-3807	425	6	,	,	PUNCT
ajfti-3807	425	7	f.	f.	PROPN
ajfti-3807	425	8	,	,	PUNCT
ajfti-3807	425	9	&	&	CCONJ
ajfti-3807	425	10	williams	williams	PROPN
ajfti-3807	425	11	,	,	PUNCT
ajfti-3807	425	12	j.	j.	PROPN
ajfti-3807	425	13	e.	e.	PROPN
ajfti-3807	425	14	(	(	PUNCT
ajfti-3807	425	15	2020	2020	NUM
ajfti-3807	425	16	)	)	PUNCT
ajfti-3807	425	17	.	.	PUNCT
ajfti-3807	426	1	online	online	ADJ
ajfti-3807	426	2	customer	customer	NOUN
ajfti-3807	426	3	trust	trust	NOUN
ajfti-3807	426	4	in	in	ADP
ajfti-3807	426	5	the	the	DET
ajfti-3807	426	6	context	context	NOUN
ajfti-3807	426	7	of	of	ADP
ajfti-3807	426	8	the	the	DET
ajfti-3807	426	9	general	general	ADJ
ajfti-3807	426	10	data	data	PROPN
ajfti-3807	426	11	protection	protection	NOUN
ajfti-3807	426	12	regulation	regulation	NOUN
ajfti-3807	426	13	(	(	PUNCT
ajfti-3807	426	14	gdpr	gdpr	NOUN
ajfti-3807	426	15	)	)	PUNCT
ajfti-3807	426	16	.	.	PUNCT
ajfti-3807	427	1	pacific	pacific	PROPN
ajfti-3807	427	2	asia	asia	PROPN
ajfti-3807	427	3	journal	journal	PROPN
ajfti-3807	427	4	of	of	ADP
ajfti-3807	427	5	the	the	DET
ajfti-3807	427	6	association	association	NOUN
ajfti-3807	427	7	for	for	ADP
ajfti-3807	427	8	information	information	NOUN
ajfti-3807	427	9	systems	system	NOUN
ajfti-3807	427	10	,	,	PUNCT
ajfti-3807	427	11	12(1	12(1	NUM
ajfti-3807	427	12	)	)	PUNCT
ajfti-3807	427	13	,	,	PUNCT
ajfti-3807	427	14	4	4	X
ajfti-3807	427	15	.	.	PUNCT