id	sid	tid	token	lemma	pos
ajfti-4554	1	1	pa	pa	PROPN
ajfti-4554	1	2	ge	ge	PROPN
ajfti-4554	1	3	1	1	NUM
ajfti-4554	1	4	pa	pa	PROPN
ajfti-4554	1	5	ge	ge	PROPN
ajfti-4554	1	6	81	81	NUM
ajfti-4554	1	7	american	american	PROPN
ajfti-4554	1	8	journal	journal	PROPN
ajfti-4554	1	9	of	of	ADP
ajfti-4554	1	10	financial	financial	ADJ
ajfti-4554	1	11	technology	technology	NOUN
ajfti-4554	1	12	and	and	CCONJ
ajfti-4554	1	13	innovation	innovation	NOUN
ajfti-4554	1	14	(	(	PUNCT
ajfti-4554	1	15	ajfti	ajfti	NOUN
ajfti-4554	1	16	)	)	PUNCT
ajfti-4554	1	17	the	the	DET
ajfti-4554	1	18	future	future	NOUN
ajfti-4554	1	19	of	of	ADP
ajfti-4554	1	20	contactless	contactless	ADJ
ajfti-4554	1	21	payments	payment	NOUN
ajfti-4554	1	22	:	:	PUNCT
ajfti-4554	1	23	a	a	DET
ajfti-4554	1	24	comparative	comparative	ADJ
ajfti-4554	1	25	study	study	NOUN
ajfti-4554	1	26	of	of	ADP
ajfti-4554	1	27	adoption	adoption	NOUN
ajfti-4554	1	28	trends	trend	NOUN
ajfti-4554	1	29	in	in	ADP
ajfti-4554	1	30	emerging	emerge	VERB
ajfti-4554	1	31	vs.	vs.	CCONJ
ajfti-4554	1	32	developed	develop	VERB
ajfti-4554	1	33	markets	market	NOUN
ajfti-4554	1	34	.	.	PUNCT
ajfti-4554	2	1	o.	o.	PROPN
ajfti-4554	2	2	ogunjide2	ogunjide2	PROPN
ajfti-4554	2	3	,	,	PUNCT
ajfti-4554	2	4	c.	c.	PROPN
ajfti-4554	2	5	ukatu2	ukatu2	PROPN
ajfti-4554	2	6	,	,	PUNCT
ajfti-4554	2	7	n.	n.	PROPN
ajfti-4554	2	8	juwah3	juwah3	PROPN
ajfti-4554	2	9	*	*	PROPN
ajfti-4554	2	10	,	,	PUNCT
ajfti-4554	2	11	s.	s.	PROPN
ajfti-4554	2	12	oreoluwa4	oreoluwa4	PROPN
ajfti-4554	2	13	,	,	PUNCT
ajfti-4554	2	14	s.	s.	PROPN
ajfti-4554	2	15	owoola	owoola	PROPN
ajfti-4554	2	16	-	-	PUNCT
ajfti-4554	2	17	adebayo5	adebayo5	PROPN
ajfti-4554	2	18	volume	volume	NOUN
ajfti-4554	2	19	3	3	NUM
ajfti-4554	2	20	issue	issue	NOUN
ajfti-4554	2	21	1	1	NUM
ajfti-4554	2	22	,	,	PUNCT
ajfti-4554	2	23	year	year	NOUN
ajfti-4554	2	24	2025	2025	NUM
ajfti-4554	2	25	issn	issn	PROPN
ajfti-4554	2	26	:	:	PUNCT
ajfti-4554	2	27	2996	2996	NUM
ajfti-4554	2	28	-	-	SYM
ajfti-4554	2	29	0975	0975	NUM
ajfti-4554	2	30	(	(	PUNCT
ajfti-4554	2	31	online	online	ADJ
ajfti-4554	2	32	)	)	PUNCT
ajfti-4554	2	33	doi	doi	NOUN
ajfti-4554	2	34	:	:	PUNCT
ajfti-4554	2	35	https://doi.org/10.54536/ajfti.v3i1.4554	https://doi.org/10.54536/ajfti.v3i1.4554	PROPN
ajfti-4554	2	36	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4554	2	37	article	article	NOUN
ajfti-4554	2	38	information	information	NOUN
ajfti-4554	2	39	abstract	abstract	ADV
ajfti-4554	2	40	received	receive	VERB
ajfti-4554	2	41	:	:	PUNCT
ajfti-4554	2	42	march	march	PROPN
ajfti-4554	2	43	15	15	NUM
ajfti-4554	2	44	,	,	PUNCT
ajfti-4554	2	45	2025	2025	NUM
ajfti-4554	2	46	accepted	accept	VERB
ajfti-4554	2	47	:	:	PUNCT
ajfti-4554	2	48	april	april	PROPN
ajfti-4554	2	49	21	21	NUM
ajfti-4554	2	50	,	,	PUNCT
ajfti-4554	2	51	2025	2025	NUM
ajfti-4554	2	52	published	publish	VERB
ajfti-4554	2	53	:	:	PUNCT
ajfti-4554	2	54	june	june	PROPN
ajfti-4554	2	55	25	25	NUM
ajfti-4554	2	56	,	,	PUNCT
ajfti-4554	2	57	2025	2025	NUM
ajfti-4554	2	58	modern	modern	ADJ
ajfti-4554	2	59	financial	financial	ADJ
ajfti-4554	2	60	transactions	transaction	NOUN
ajfti-4554	2	61	benefit	benefit	VERB
ajfti-4554	2	62	from	from	ADP
ajfti-4554	2	63	near	near	ADJ
ajfti-4554	2	64	-	-	PUNCT
ajfti-4554	2	65	field	field	NOUN
ajfti-4554	2	66	communication	communication	NOUN
ajfti-4554	2	67	and	and	CCONJ
ajfti-4554	2	68	radio	radio	NOUN
ajfti-4554	2	69	-	-	PUNCT
ajfti-4554	2	70	frequency	frequency	NOUN
ajfti-4554	2	71	identification	identification	NOUN
ajfti-4554	2	72	technologies	technology	NOUN
ajfti-4554	2	73	which	which	PRON
ajfti-4554	2	74	create	create	VERB
ajfti-4554	2	75	contactless	contactless	ADJ
ajfti-4554	2	76	payment	payment	NOUN
ajfti-4554	2	77	systems	system	NOUN
ajfti-4554	2	78	that	that	PRON
ajfti-4554	2	79	speed	speed	VERB
ajfti-4554	2	80	up	up	ADP
ajfti-4554	2	81	transactions	transaction	NOUN
ajfti-4554	2	82	while	while	SCONJ
ajfti-4554	2	83	promoting	promote	VERB
ajfti-4554	2	84	security	security	NOUN
ajfti-4554	2	85	and	and	CCONJ
ajfti-4554	2	86	better	well	ADJ
ajfti-4554	2	87	convenience	convenience	NOUN
ajfti-4554	2	88	.	.	PUNCT
ajfti-4554	3	1	the	the	DET
ajfti-4554	3	2	behavior	behavior	NOUN
ajfti-4554	3	3	of	of	ADP
ajfti-4554	3	4	adopting	adopt	VERB
ajfti-4554	3	5	contactless	contactless	NOUN
ajfti-4554	3	6	payments	payment	NOUN
ajfti-4554	3	7	differs	differ	VERB
ajfti-4554	3	8	extensively	extensively	ADV
ajfti-4554	3	9	between	between	ADP
ajfti-4554	3	10	developed	develop	VERB
ajfti-4554	3	11	countries	country	NOUN
ajfti-4554	3	12	and	and	CCONJ
ajfti-4554	3	13	emerging	emerge	VERB
ajfti-4554	3	14	economies	economy	NOUN
ajfti-4554	3	15	because	because	SCONJ
ajfti-4554	3	16	of	of	ADP
ajfti-4554	3	17	their	their	PRON
ajfti-4554	3	18	distinct	distinct	ADJ
ajfti-4554	3	19	infrastructure	infrastructure	NOUN
ajfti-4554	3	20	quality	quality	NOUN
ajfti-4554	3	21	,	,	PUNCT
ajfti-4554	3	22	regulatory	regulatory	ADJ
ajfti-4554	3	23	standards	standard	NOUN
ajfti-4554	3	24	,	,	PUNCT
ajfti-4554	3	25	and	and	CCONJ
ajfti-4554	3	26	consumer	consumer	NOUN
ajfti-4554	3	27	confidence	confidence	NOUN
ajfti-4554	3	28	levels	level	NOUN
ajfti-4554	3	29	.	.	PUNCT
ajfti-4554	4	1	emerging	emerge	VERB
ajfti-4554	4	2	markets	market	NOUN
ajfti-4554	4	3	face	face	VERB
ajfti-4554	4	4	multiple	multiple	ADJ
ajfti-4554	4	5	obstacles	obstacle	NOUN
ajfti-4554	4	6	in	in	ADP
ajfti-4554	4	7	their	their	PRON
ajfti-4554	4	8	digital	digital	ADJ
ajfti-4554	4	9	finance	finance	NOUN
ajfti-4554	4	10	sector	sector	NOUN
ajfti-4554	4	11	which	which	PRON
ajfti-4554	4	12	stems	stem	VERB
ajfti-4554	4	13	from	from	ADP
ajfti-4554	4	14	weak	weak	ADJ
ajfti-4554	4	15	cybersecurity	cybersecurity	NOUN
ajfti-4554	4	16	defenses	defense	NOUN
ajfti-4554	4	17	and	and	CCONJ
ajfti-4554	4	18	inconsistent	inconsistent	ADJ
ajfti-4554	4	19	regulations	regulation	NOUN
ajfti-4554	4	20	and	and	CCONJ
ajfti-4554	4	21	insufficient	insufficient	ADJ
ajfti-4554	4	22	technological	technological	ADJ
ajfti-4554	4	23	capabilities	capability	NOUN
ajfti-4554	4	24	.	.	PUNCT
ajfti-4554	5	1	this	this	DET
ajfti-4554	5	2	systematic	systematic	ADJ
ajfti-4554	5	3	literature	literature	NOUN
ajfti-4554	5	4	review	review	NOUN
ajfti-4554	5	5	examines	examine	VERB
ajfti-4554	5	6	the	the	DET
ajfti-4554	5	7	key	key	ADJ
ajfti-4554	5	8	drivers	driver	NOUN
ajfti-4554	5	9	,	,	PUNCT
ajfti-4554	5	10	barriers	barrier	NOUN
ajfti-4554	5	11	,	,	PUNCT
ajfti-4554	5	12	and	and	CCONJ
ajfti-4554	5	13	trends	trend	NOUN
ajfti-4554	5	14	influencing	influence	VERB
ajfti-4554	5	15	contactless	contactless	ADJ
ajfti-4554	5	16	payment	payment	NOUN
ajfti-4554	5	17	adoption	adoption	NOUN
ajfti-4554	5	18	across	across	ADP
ajfti-4554	5	19	different	different	ADJ
ajfti-4554	5	20	economic	economic	ADJ
ajfti-4554	5	21	contexts	contexts	NOUN
ajfti-4554	5	22	.	.	PUNCT
ajfti-4554	6	1	developed	develop	VERB
ajfti-4554	6	2	markets	market	NOUN
ajfti-4554	6	3	,	,	PUNCT
ajfti-4554	6	4	such	such	ADJ
ajfti-4554	6	5	as	as	ADP
ajfti-4554	6	6	the	the	DET
ajfti-4554	6	7	uk	uk	PROPN
ajfti-4554	6	8	and	and	CCONJ
ajfti-4554	6	9	sweden	sweden	PROPN
ajfti-4554	6	10	,	,	PUNCT
ajfti-4554	6	11	have	have	AUX
ajfti-4554	6	12	achieved	achieve	VERB
ajfti-4554	6	13	widespread	widespread	ADJ
ajfti-4554	6	14	adoption	adoption	NOUN
ajfti-4554	6	15	due	due	ADP
ajfti-4554	6	16	to	to	ADP
ajfti-4554	6	17	regulatory	regulatory	ADJ
ajfti-4554	6	18	oversight	oversight	NOUN
ajfti-4554	6	19	and	and	CCONJ
ajfti-4554	6	20	consumer	consumer	NOUN
ajfti-4554	6	21	confidence	confidence	NOUN
ajfti-4554	6	22	.	.	PUNCT
ajfti-4554	7	1	in	in	ADP
ajfti-4554	7	2	contrast	contrast	NOUN
ajfti-4554	7	3	,	,	PUNCT
ajfti-4554	7	4	emerging	emerge	VERB
ajfti-4554	7	5	markets	market	NOUN
ajfti-4554	7	6	,	,	PUNCT
ajfti-4554	7	7	including	include	VERB
ajfti-4554	7	8	india	india	PROPN
ajfti-4554	7	9	and	and	CCONJ
ajfti-4554	7	10	nigeria	nigeria	PROPN
ajfti-4554	7	11	,	,	PUNCT
ajfti-4554	7	12	rely	rely	VERB
ajfti-4554	7	13	on	on	ADP
ajfti-4554	7	14	qr	qr	NOUN
ajfti-4554	7	15	-	-	PUNCT
ajfti-4554	7	16	based	base	VERB
ajfti-4554	7	17	payment	payment	NOUN
ajfti-4554	7	18	solutions	solution	NOUN
ajfti-4554	7	19	for	for	ADP
ajfti-4554	7	20	financial	financial	ADJ
ajfti-4554	7	21	inclusion	inclusion	NOUN
ajfti-4554	7	22	but	but	CCONJ
ajfti-4554	7	23	contend	contend	VERB
ajfti-4554	7	24	with	with	ADP
ajfti-4554	7	25	fraud	fraud	NOUN
ajfti-4554	7	26	risks	risk	NOUN
ajfti-4554	7	27	,	,	PUNCT
ajfti-4554	7	28	network	network	NOUN
ajfti-4554	7	29	instability	instability	NOUN
ajfti-4554	7	30	,	,	PUNCT
ajfti-4554	7	31	and	and	CCONJ
ajfti-4554	7	32	weak	weak	ADJ
ajfti-4554	7	33	cybersecurity	cybersecurity	NOUN
ajfti-4554	7	34	protections	protection	NOUN
ajfti-4554	7	35	.	.	PUNCT
ajfti-4554	8	1	the	the	DET
ajfti-4554	8	2	technology	technology	NOUN
ajfti-4554	8	3	acceptance	acceptance	NOUN
ajfti-4554	8	4	model	model	NOUN
ajfti-4554	8	5	(	(	PUNCT
ajfti-4554	8	6	tam	tam	NOUN
ajfti-4554	8	7	)	)	PUNCT
ajfti-4554	8	8	features	feature	NOUN
ajfti-4554	8	9	in	in	ADP
ajfti-4554	8	10	this	this	DET
ajfti-4554	8	11	review	review	NOUN
ajfti-4554	8	12	to	to	PART
ajfti-4554	8	13	study	study	VERB
ajfti-4554	8	14	consumer	consumer	NOUN
ajfti-4554	8	15	actions	action	NOUN
ajfti-4554	8	16	while	while	SCONJ
ajfti-4554	8	17	examining	examine	VERB
ajfti-4554	8	18	how	how	SCONJ
ajfti-4554	8	19	users	user	NOUN
ajfti-4554	8	20	perceive	perceive	ADJ
ajfti-4554	8	21	system	system	NOUN
ajfti-4554	8	22	usefulness	usefulness	NOUN
ajfti-4554	8	23	and	and	CCONJ
ajfti-4554	8	24	how	how	SCONJ
ajfti-4554	8	25	easily	easily	ADV
ajfti-4554	8	26	they	they	PRON
ajfti-4554	8	27	use	use	VERB
ajfti-4554	8	28	it	it	PRON
ajfti-4554	8	29	to	to	PART
ajfti-4554	8	30	drive	drive	VERB
ajfti-4554	8	31	adoption	adoption	NOUN
ajfti-4554	8	32	patterns	pattern	NOUN
ajfti-4554	8	33	.	.	PUNCT
ajfti-4554	9	1	the	the	DET
ajfti-4554	9	2	research	research	NOUN
ajfti-4554	9	3	supports	support	VERB
ajfti-4554	9	4	developing	develop	VERB
ajfti-4554	9	5	official	official	ADJ
ajfti-4554	9	6	cybersecurity	cybersecurity	NOUN
ajfti-4554	9	7	rules	rule	NOUN
ajfti-4554	9	8	in	in	ADP
ajfti-4554	9	9	addition	addition	NOUN
ajfti-4554	9	10	to	to	ADP
ajfti-4554	9	11	teaching	teach	VERB
ajfti-4554	9	12	people	people	NOUN
ajfti-4554	9	13	about	about	ADP
ajfti-4554	9	14	money	money	NOUN
ajfti-4554	9	15	and	and	CCONJ
ajfti-4554	9	16	strengthening	strengthen	VERB
ajfti-4554	9	17	digital	digital	ADJ
ajfti-4554	9	18	networks	network	NOUN
ajfti-4554	9	19	to	to	PART
ajfti-4554	9	20	build	build	VERB
ajfti-4554	9	21	safe	safe	ADJ
ajfti-4554	9	22	payment	payment	NOUN
ajfti-4554	9	23	systems	system	NOUN
ajfti-4554	9	24	that	that	PRON
ajfti-4554	9	25	include	include	VERB
ajfti-4554	9	26	everyone	everyone	PRON
ajfti-4554	9	27	.	.	PUNCT
ajfti-4554	10	1	solving	solve	VERB
ajfti-4554	10	2	the	the	DET
ajfti-4554	10	3	mentioned	mention	VERB
ajfti-4554	10	4	problems	problem	NOUN
ajfti-4554	10	5	will	will	AUX
ajfti-4554	10	6	enhance	enhance	VERB
ajfti-4554	10	7	digital	digital	ADJ
ajfti-4554	10	8	financial	financial	ADJ
ajfti-4554	10	9	inclusion	inclusion	NOUN
ajfti-4554	10	10	and	and	CCONJ
ajfti-4554	10	11	secure	secure	VERB
ajfti-4554	10	12	the	the	DET
ajfti-4554	10	13	durable	durable	ADJ
ajfti-4554	10	14	expansion	expansion	NOUN
ajfti-4554	10	15	of	of	ADP
ajfti-4554	10	16	contactless	contactless	ADJ
ajfti-4554	10	17	payments	payment	NOUN
ajfti-4554	10	18	worldwide	worldwide	ADV
ajfti-4554	10	19	.	.	PUNCT
ajfti-4554	11	1	keywords	keyword	VERB
ajfti-4554	11	2	contactless	contactless	NOUN
ajfti-4554	11	3	payments	payment	NOUN
ajfti-4554	11	4	,	,	PUNCT
ajfti-4554	11	5	cybersecurity	cybersecurity	NOUN
ajfti-4554	11	6	risks	risk	NOUN
ajfti-4554	11	7	,	,	PUNCT
ajfti-4554	11	8	developed	develop	VERB
ajfti-4554	11	9	markets	market	NOUN
ajfti-4554	11	10	,	,	PUNCT
ajfti-4554	11	11	digital	digital	ADJ
ajfti-4554	11	12	payment	payment	NOUN
ajfti-4554	11	13	adoption	adoption	NOUN
ajfti-4554	11	14	,	,	PUNCT
ajfti-4554	11	15	emerging	emerge	VERB
ajfti-4554	11	16	markets	market	NOUN
ajfti-4554	11	17	1	1	NUM
ajfti-4554	11	18	independent	independent	ADJ
ajfti-4554	11	19	researcher	researcher	NOUN
ajfti-4554	11	20	,	,	PUNCT
ajfti-4554	11	21	nigeria	nigeria	PROPN
ajfti-4554	11	22	2	2	NUM
ajfti-4554	11	23	senior	senior	ADJ
ajfti-4554	11	24	business	business	NOUN
ajfti-4554	11	25	analyst	analyst	NOUN
ajfti-4554	11	26	,	,	PUNCT
ajfti-4554	11	27	sony	sony	PROPN
ajfti-4554	11	28	interactive	interactive	ADJ
ajfti-4554	11	29	entertainment	entertainment	PROPN
ajfti-4554	11	30	,	,	PUNCT
ajfti-4554	11	31	detroit	detroit	PROPN
ajfti-4554	11	32	michigan	michigan	PROPN
ajfti-4554	11	33	,	,	PUNCT
ajfti-4554	11	34	usa	usa	PROPN
ajfti-4554	11	35	3	3	NUM
ajfti-4554	11	36	college	college	PROPN
ajfti-4554	11	37	of	of	ADP
ajfti-4554	11	38	professional	professional	ADJ
ajfti-4554	11	39	studies	study	NOUN
ajfti-4554	11	40	,	,	PUNCT
ajfti-4554	11	41	northeastern	northeastern	ADJ
ajfti-4554	11	42	university	university	PROPN
ajfti-4554	11	43	,	,	PUNCT
ajfti-4554	11	44	portland	portland	PROPN
ajfti-4554	11	45	,	,	PUNCT
ajfti-4554	11	46	maine	maine	PROPN
ajfti-4554	11	47	,	,	PUNCT
ajfti-4554	11	48	usa	usa	PROPN
ajfti-4554	11	49	4	4	NUM
ajfti-4554	11	50	department	department	NOUN
ajfti-4554	11	51	of	of	ADP
ajfti-4554	11	52	finance	finance	NOUN
ajfti-4554	11	53	,	,	PUNCT
ajfti-4554	11	54	nexford	nexford	PROPN
ajfti-4554	11	55	university	university	PROPN
ajfti-4554	11	56	,	,	PUNCT
ajfti-4554	11	57	washington	washington	PROPN
ajfti-4554	11	58	dc	dc	PROPN
ajfti-4554	11	59	,	,	PUNCT
ajfti-4554	11	60	usa	usa	PROPN
ajfti-4554	11	61	5	5	NUM
ajfti-4554	11	62	department	department	PROPN
ajfti-4554	11	63	of	of	ADP
ajfti-4554	11	64	finance	finance	NOUN
ajfti-4554	11	65	,	,	PUNCT
ajfti-4554	11	66	lagos	lagos	NOUN
ajfti-4554	11	67	state	state	PROPN
ajfti-4554	11	68	university	university	PROPN
ajfti-4554	11	69	,	,	PUNCT
ajfti-4554	11	70	ojo	ojo	NOUN
ajfti-4554	11	71	lagos	lago	NOUN
ajfti-4554	11	72	,	,	PUNCT
ajfti-4554	11	73	nigeria	nigeria	PROPN
ajfti-4554	11	74	*	*	PUNCT
ajfti-4554	11	75	corresponding	correspond	VERB
ajfti-4554	11	76	author	author	NOUN
ajfti-4554	11	77	’s	’s	PART
ajfti-4554	11	78	e	e	NOUN
ajfti-4554	11	79	-	-	NOUN
ajfti-4554	11	80	mail	mail	NOUN
ajfti-4554	11	81	:	:	PUNCT
ajfti-4554	11	82	naomijuwah4@gmail.com	naomijuwah4@gmail.com	X
ajfti-4554	11	83	introduction	introduction	NOUN
ajfti-4554	11	84	near	near	ADP
ajfti-4554	11	85	field	field	NOUN
ajfti-4554	11	86	communication	communication	NOUN
ajfti-4554	11	87	(	(	PUNCT
ajfti-4554	11	88	nfc	nfc	NOUN
ajfti-4554	11	89	)	)	PUNCT
ajfti-4554	11	90	and	and	CCONJ
ajfti-4554	11	91	radio	radio	NOUN
ajfti-4554	11	92	frequency	frequency	NOUN
ajfti-4554	11	93	identification	identification	NOUN
ajfti-4554	11	94	(	(	PUNCT
ajfti-4554	11	95	rfid	rfid	NOUN
ajfti-4554	11	96	)	)	PUNCT
ajfti-4554	11	97	technologies	technology	NOUN
ajfti-4554	11	98	-	-	PUNCT
ajfti-4554	11	99	based	base	VERB
ajfti-4554	11	100	contactless	contactless	NOUN
ajfti-4554	11	101	payment	payment	NOUN
ajfti-4554	11	102	systems	system	NOUN
ajfti-4554	11	103	have	have	AUX
ajfti-4554	11	104	been	be	AUX
ajfti-4554	11	105	revolutionizing	revolutionize	VERB
ajfti-4554	11	106	financial	financial	ADJ
ajfti-4554	11	107	transactions	transaction	NOUN
ajfti-4554	11	108	(	(	PUNCT
ajfti-4554	11	109	yang	yang	PROPN
ajfti-4554	11	110	&	&	CCONJ
ajfti-4554	11	111	hancke	hancke	PROPN
ajfti-4554	11	112	,	,	PUNCT
ajfti-4554	11	113	2017	2017	NUM
ajfti-4554	11	114	)	)	PUNCT
ajfti-4554	11	115	.	.	PUNCT
ajfti-4554	12	1	these	these	DET
ajfti-4554	12	2	systems	system	NOUN
ajfti-4554	12	3	improve	improve	VERB
ajfti-4554	12	4	payment	payment	NOUN
ajfti-4554	12	5	efficiency	efficiency	NOUN
ajfti-4554	12	6	and	and	CCONJ
ajfti-4554	12	7	reduce	reduce	VERB
ajfti-4554	12	8	the	the	DET
ajfti-4554	12	9	need	need	NOUN
ajfti-4554	12	10	of	of	ADP
ajfti-4554	12	11	physical	physical	ADJ
ajfti-4554	12	12	contact	contact	NOUN
ajfti-4554	12	13	,	,	PUNCT
ajfti-4554	12	14	reducing	reduce	VERB
ajfti-4554	12	15	the	the	DET
ajfti-4554	12	16	time	time	NOUN
ajfti-4554	12	17	of	of	ADP
ajfti-4554	12	18	transaction	transaction	NOUN
ajfti-4554	12	19	and	and	CCONJ
ajfti-4554	12	20	ensuring	ensure	VERB
ajfti-4554	12	21	security	security	NOUN
ajfti-4554	12	22	.	.	PUNCT
ajfti-4554	13	1	this	this	DET
ajfti-4554	13	2	trend	trend	NOUN
ajfti-4554	13	3	of	of	ADP
ajfti-4554	13	4	using	use	VERB
ajfti-4554	13	5	contactless	contactless	ADJ
ajfti-4554	13	6	payments	payment	NOUN
ajfti-4554	13	7	,	,	PUNCT
ajfti-4554	13	8	like	like	ADP
ajfti-4554	13	9	any	any	DET
ajfti-4554	13	10	other	other	ADJ
ajfti-4554	13	11	,	,	PUNCT
ajfti-4554	13	12	is	be	AUX
ajfti-4554	13	13	in	in	ADP
ajfti-4554	13	14	line	line	NOUN
ajfti-4554	13	15	with	with	ADP
ajfti-4554	13	16	the	the	DET
ajfti-4554	13	17	global	global	ADJ
ajfti-4554	13	18	cashless	cashless	NOUN
ajfti-4554	13	19	economy	economy	NOUN
ajfti-4554	13	20	trend	trend	NOUN
ajfti-4554	13	21	as	as	ADP
ajfti-4554	13	22	the	the	DET
ajfti-4554	13	23	result	result	NOUN
ajfti-4554	13	24	of	of	ADP
ajfti-4554	13	25	technological	technological	ADJ
ajfti-4554	13	26	advancement	advancement	NOUN
ajfti-4554	13	27	and	and	CCONJ
ajfti-4554	13	28	changing	change	VERB
ajfti-4554	13	29	consumer	consumer	NOUN
ajfti-4554	13	30	preferences	preference	NOUN
ajfti-4554	13	31	(	(	PUNCT
ajfti-4554	13	32	ephraim	ephraim	NOUN
ajfti-4554	13	33	,	,	PUNCT
ajfti-4554	13	34	2024	2024	NUM
ajfti-4554	13	35	)	)	PUNCT
ajfti-4554	13	36	.	.	PUNCT
ajfti-4554	14	1	emerging	emerge	VERB
ajfti-4554	14	2	markets	market	NOUN
ajfti-4554	14	3	are	be	AUX
ajfti-4554	14	4	not	not	PART
ajfti-4554	14	5	as	as	ADV
ajfti-4554	14	6	ready	ready	ADJ
ajfti-4554	14	7	to	to	PART
ajfti-4554	14	8	integrate	integrate	VERB
ajfti-4554	14	9	contactless	contactless	NOUN
ajfti-4554	14	10	payments	payment	NOUN
ajfti-4554	14	11	as	as	ADV
ajfti-4554	14	12	much	much	ADV
ajfti-4554	14	13	as	as	ADP
ajfti-4554	14	14	developed	develop	VERB
ajfti-4554	14	15	markets	market	NOUN
ajfti-4554	14	16	due	due	ADJ
ajfti-4554	14	17	to	to	ADP
ajfti-4554	14	18	their	their	PRON
ajfti-4554	14	19	lack	lack	NOUN
ajfti-4554	14	20	of	of	ADP
ajfti-4554	14	21	technological	technological	ADJ
ajfti-4554	14	22	development	development	NOUN
ajfti-4554	14	23	and	and	CCONJ
ajfti-4554	14	24	regulatory	regulatory	ADJ
ajfti-4554	14	25	barriers	barrier	NOUN
ajfti-4554	14	26	(	(	PUNCT
ajfti-4554	14	27	khando	khando	NOUN
ajfti-4554	14	28	et	et	PROPN
ajfti-4554	14	29	al	al	PROPN
ajfti-4554	14	30	.	.	PROPN
ajfti-4554	14	31	,	,	PUNCT
ajfti-4554	14	32	2023	2023	NUM
ajfti-4554	14	33	)	)	PUNCT
ajfti-4554	14	34	.	.	PUNCT
ajfti-4554	15	1	contactless	contactless	NOUN
ajfti-4554	15	2	payments	payment	NOUN
ajfti-4554	15	3	are	be	AUX
ajfti-4554	15	4	beneficial	beneficial	ADJ
ajfti-4554	15	5	but	but	CCONJ
ajfti-4554	15	6	bring	bring	VERB
ajfti-4554	15	7	with	with	ADP
ajfti-4554	15	8	them	they	PRON
ajfti-4554	15	9	cybersecurity	cybersecurity	NOUN
ajfti-4554	15	10	risks	risk	NOUN
ajfti-4554	15	11	where	where	SCONJ
ajfti-4554	15	12	nfc	nfc	NOUN
ajfti-4554	15	13	based	base	VERB
ajfti-4554	15	14	transactions	transaction	NOUN
ajfti-4554	15	15	are	be	AUX
ajfti-4554	15	16	concerned	concern	VERB
ajfti-4554	15	17	;	;	PUNCT
ajfti-4554	15	18	therefore	therefore	ADV
ajfti-4554	15	19	,	,	PUNCT
ajfti-4554	15	20	effective	effective	ADJ
ajfti-4554	15	21	risk	risk	NOUN
ajfti-4554	15	22	mitigation	mitigation	NOUN
ajfti-4554	15	23	is	be	AUX
ajfti-4554	15	24	needed	need	VERB
ajfti-4554	15	25	(	(	PUNCT
ajfti-4554	15	26	onumadu	onumadu	ADJ
ajfti-4554	15	27	&	&	CCONJ
ajfti-4554	15	28	abroshan	abroshan	ADJ
ajfti-4554	15	29	,	,	PUNCT
ajfti-4554	15	30	2024	2024	NUM
ajfti-4554	15	31	)	)	PUNCT
ajfti-4554	15	32	.	.	PUNCT
ajfti-4554	16	1	to	to	PART
ajfti-4554	16	2	promote	promote	VERB
ajfti-4554	16	3	trust	trust	NOUN
ajfti-4554	16	4	and	and	CCONJ
ajfti-4554	16	5	encourage	encourage	VERB
ajfti-4554	16	6	adoption	adoption	NOUN
ajfti-4554	16	7	in	in	ADP
ajfti-4554	16	8	a	a	DET
ajfti-4554	16	9	wide	wide	ADJ
ajfti-4554	16	10	variety	variety	NOUN
ajfti-4554	16	11	of	of	ADP
ajfti-4554	16	12	economic	economic	ADJ
ajfti-4554	16	13	environments	environment	NOUN
ajfti-4554	16	14	,	,	PUNCT
ajfti-4554	16	15	such	such	ADJ
ajfti-4554	16	16	concerns	concern	NOUN
ajfti-4554	16	17	must	must	AUX
ajfti-4554	16	18	be	be	AUX
ajfti-4554	16	19	addressed	address	VERB
ajfti-4554	16	20	.	.	PUNCT
ajfti-4554	17	1	the	the	DET
ajfti-4554	17	2	factors	factor	NOUN
ajfti-4554	17	3	that	that	PRON
ajfti-4554	17	4	drive	drive	VERB
ajfti-4554	17	5	growth	growth	NOUN
ajfti-4554	17	6	of	of	ADP
ajfti-4554	17	7	contactless	contactless	ADJ
ajfti-4554	17	8	payments	payment	NOUN
ajfti-4554	17	9	are	be	AUX
ajfti-4554	17	10	analyzed	analyze	VERB
ajfti-4554	17	11	in	in	ADP
ajfti-4554	17	12	comparison	comparison	NOUN
ajfti-4554	17	13	with	with	ADP
ajfti-4554	17	14	emerging	emerge	VERB
ajfti-4554	17	15	and	and	CCONJ
ajfti-4554	17	16	developed	developed	ADJ
ajfti-4554	17	17	markets	market	NOUN
ajfti-4554	17	18	.	.	PUNCT
ajfti-4554	18	1	advantages	advantage	NOUN
ajfti-4554	18	2	of	of	ADP
ajfti-4554	18	3	the	the	DET
ajfti-4554	18	4	developed	develop	VERB
ajfti-4554	18	5	economies	economy	NOUN
ajfti-4554	18	6	include	include	VERB
ajfti-4554	18	7	robust	robust	ADJ
ajfti-4554	18	8	digital	digital	ADJ
ajfti-4554	18	9	infrastructure	infrastructure	NOUN
ajfti-4554	18	10	,	,	PUNCT
ajfti-4554	18	11	strong	strong	ADJ
ajfti-4554	18	12	regulatory	regulatory	ADJ
ajfti-4554	18	13	frameworks	framework	NOUN
ajfti-4554	18	14	,	,	PUNCT
ajfti-4554	18	15	and	and	CCONJ
ajfti-4554	18	16	high	high	ADJ
ajfti-4554	18	17	confidence	confidence	NOUN
ajfti-4554	18	18	of	of	ADP
ajfti-4554	18	19	consumers	consumer	NOUN
ajfti-4554	18	20	on	on	ADP
ajfti-4554	18	21	digital	digital	ADJ
ajfti-4554	18	22	payments	payment	NOUN
ajfti-4554	18	23	(	(	PUNCT
ajfti-4554	18	24	mogaji	mogaji	NOUN
ajfti-4554	18	25	&	&	CCONJ
ajfti-4554	18	26	nguyen	nguyen	PROPN
ajfti-4554	18	27	,	,	PUNCT
ajfti-4554	18	28	2024	2024	NUM
ajfti-4554	18	29	)	)	PUNCT
ajfti-4554	18	30	.	.	PUNCT
ajfti-4554	19	1	however	however	ADV
ajfti-4554	19	2	,	,	PUNCT
ajfti-4554	19	3	emerging	emerge	VERB
ajfti-4554	19	4	markets	market	NOUN
ajfti-4554	19	5	face	face	VERB
ajfti-4554	19	6	challenges	challenge	NOUN
ajfti-4554	19	7	in	in	ADP
ajfti-4554	19	8	the	the	DET
ajfti-4554	19	9	form	form	NOUN
ajfti-4554	19	10	of	of	ADP
ajfti-4554	19	11	inadequate	inadequate	ADJ
ajfti-4554	19	12	financial	financial	ADJ
ajfti-4554	19	13	infrastructure	infrastructure	NOUN
ajfti-4554	19	14	,	,	PUNCT
ajfti-4554	19	15	confusion	confusion	NOUN
ajfti-4554	19	16	in	in	ADP
ajfti-4554	19	17	banking	banking	NOUN
ajfti-4554	19	18	matters	matter	NOUN
ajfti-4554	19	19	,	,	PUNCT
ajfti-4554	19	20	and	and	CCONJ
ajfti-4554	19	21	lower	low	ADJ
ajfti-4554	19	22	confidence	confidence	NOUN
ajfti-4554	19	23	in	in	ADP
ajfti-4554	19	24	the	the	DET
ajfti-4554	19	25	services	service	NOUN
ajfti-4554	19	26	of	of	ADP
ajfti-4554	19	27	digital	digital	ADJ
ajfti-4554	19	28	financial	financial	ADJ
ajfti-4554	19	29	mining	mining	NOUN
ajfti-4554	19	30	(	(	PUNCT
ajfti-4554	19	31	khando	khando	NOUN
ajfti-4554	19	32	et	et	PROPN
ajfti-4554	19	33	al	al	PROPN
ajfti-4554	19	34	.	.	PROPN
ajfti-4554	19	35	,	,	PUNCT
ajfti-4554	19	36	2023	2023	NUM
ajfti-4554	19	37	)	)	PUNCT
ajfti-4554	19	38	.	.	PUNCT
ajfti-4554	20	1	it	it	PRON
ajfti-4554	20	2	is	be	AUX
ajfti-4554	20	3	critical	critical	ADJ
ajfti-4554	20	4	to	to	ADP
ajfti-4554	20	5	this	this	DET
ajfti-4554	20	6	comparison	comparison	NOUN
ajfti-4554	20	7	to	to	PART
ajfti-4554	20	8	find	find	VERB
ajfti-4554	20	9	adaptable	adaptable	ADJ
ajfti-4554	20	10	best	good	ADJ
ajfti-4554	20	11	practices	practice	NOUN
ajfti-4554	20	12	.	.	PUNCT
ajfti-4554	21	1	with	with	ADP
ajfti-4554	21	2	more	more	ADJ
ajfti-4554	21	3	and	and	CCONJ
ajfti-4554	21	4	more	more	ADJ
ajfti-4554	21	5	countries	country	NOUN
ajfti-4554	21	6	having	have	VERB
ajfti-4554	21	7	mobile	mobile	ADJ
ajfti-4554	21	8	payments	payment	NOUN
ajfti-4554	21	9	being	be	AUX
ajfti-4554	21	10	a	a	DET
ajfti-4554	21	11	commonplace	commonplace	ADJ
ajfti-4554	21	12	choice	choice	NOUN
ajfti-4554	21	13	due	due	ADP
ajfti-4554	21	14	to	to	ADP
ajfti-4554	21	15	the	the	DET
ajfti-4554	21	16	bank	bank	NOUN
ajfti-4554	21	17	access	access	NOUN
ajfti-4554	21	18	hurdle	hurdle	NOUN
ajfti-4554	21	19	:	:	PUNCT
ajfti-4554	21	20	it	it	PRON
ajfti-4554	21	21	is	be	AUX
ajfti-4554	21	22	imperative	imperative	ADJ
ajfti-4554	21	23	to	to	PART
ajfti-4554	21	24	understand	understand	VERB
ajfti-4554	21	25	the	the	DET
ajfti-4554	21	26	technological	technological	ADJ
ajfti-4554	21	27	and	and	CCONJ
ajfti-4554	21	28	socio	socio	NOUN
ajfti-4554	21	29	-	-	PUNCT
ajfti-4554	21	30	economical	economical	ADJ
ajfti-4554	21	31	drivers	driver	NOUN
ajfti-4554	21	32	of	of	ADP
ajfti-4554	21	33	adoption	adoption	NOUN
ajfti-4554	21	34	(	(	PUNCT
ajfti-4554	21	35	chatterjee	chatterjee	NOUN
ajfti-4554	21	36	,	,	PUNCT
ajfti-4554	21	37	2024	2024	NUM
ajfti-4554	21	38	)	)	PUNCT
ajfti-4554	21	39	.	.	PUNCT
ajfti-4554	22	1	these	these	DET
ajfti-4554	22	2	disparities	disparity	NOUN
ajfti-4554	22	3	allow	allow	VERB
ajfti-4554	22	4	stakeholders	stakeholder	NOUN
ajfti-4554	22	5	to	to	PART
ajfti-4554	22	6	work	work	VERB
ajfti-4554	22	7	on	on	ADP
ajfti-4554	22	8	targeted	target	VERB
ajfti-4554	22	9	strategies	strategy	NOUN
ajfti-4554	22	10	for	for	ADP
ajfti-4554	22	11	increasing	increase	VERB
ajfti-4554	22	12	the	the	DET
ajfti-4554	22	13	global	global	ADJ
ajfti-4554	22	14	financial	financial	ADJ
ajfti-4554	22	15	inclusion	inclusion	NOUN
ajfti-4554	22	16	.	.	PUNCT
ajfti-4554	23	1	most	most	ADJ
ajfti-4554	23	2	of	of	ADP
ajfti-4554	23	3	the	the	DET
ajfti-4554	23	4	studies	study	NOUN
ajfti-4554	23	5	on	on	ADP
ajfti-4554	23	6	digital	digital	ADJ
ajfti-4554	23	7	payments	payment	NOUN
ajfti-4554	23	8	have	have	AUX
ajfti-4554	23	9	been	be	AUX
ajfti-4554	23	10	conducted	conduct	VERB
ajfti-4554	23	11	without	without	ADP
ajfti-4554	23	12	taking	take	VERB
ajfti-4554	23	13	into	into	ADP
ajfti-4554	23	14	account	account	NOUN
ajfti-4554	23	15	comparative	comparative	ADJ
ajfti-4554	23	16	analysis	analysis	NOUN
ajfti-4554	23	17	of	of	ADP
ajfti-4554	23	18	adoption	adoption	NOUN
ajfti-4554	23	19	trends	trend	NOUN
ajfti-4554	23	20	across	across	ADP
ajfti-4554	23	21	different	different	ADJ
ajfti-4554	23	22	economic	economic	ADJ
ajfti-4554	23	23	context	context	NOUN
ajfti-4554	23	24	(	(	PUNCT
ajfti-4554	23	25	abdulai	abdulai	PROPN
ajfti-4554	23	26	et	et	PROPN
ajfti-4554	23	27	al	al	PROPN
ajfti-4554	23	28	.	.	PROPN
ajfti-4554	23	29	,	,	PUNCT
ajfti-4554	23	30	2024	2024	NUM
ajfti-4554	23	31	)	)	PUNCT
ajfti-4554	23	32	.	.	PUNCT
ajfti-4554	24	1	additionally	additionally	ADV
ajfti-4554	24	2	,	,	PUNCT
ajfti-4554	24	3	these	these	DET
ajfti-4554	24	4	threats	threat	NOUN
ajfti-4554	24	5	create	create	VERB
ajfti-4554	24	6	challenges	challenge	NOUN
ajfti-4554	24	7	for	for	ADP
ajfti-4554	24	8	adoption	adoption	NOUN
ajfti-4554	24	9	in	in	ADP
ajfti-4554	24	10	these	these	DET
ajfti-4554	24	11	economies	economy	NOUN
ajfti-4554	24	12	and	and	CCONJ
ajfti-4554	24	13	,	,	PUNCT
ajfti-4554	24	14	in	in	ADP
ajfti-4554	24	15	fact	fact	NOUN
ajfti-4554	24	16	,	,	PUNCT
ajfti-4554	24	17	the	the	DET
ajfti-4554	24	18	economies	economy	NOUN
ajfti-4554	24	19	are	be	AUX
ajfti-4554	24	20	mostly	mostly	ADV
ajfti-4554	24	21	emerging	emerge	VERB
ajfti-4554	24	22	making	make	VERB
ajfti-4554	24	23	the	the	DET
ajfti-4554	24	24	already	already	ADV
ajfti-4554	24	25	complicated	complicated	ADJ
ajfti-4554	24	26	situation	situation	NOUN
ajfti-4554	24	27	even	even	ADV
ajfti-4554	24	28	more	more	ADV
ajfti-4554	24	29	so	so	ADV
ajfti-4554	24	30	(	(	PUNCT
ajfti-4554	24	31	onumadu	onumadu	ADJ
ajfti-4554	24	32	&	&	CCONJ
ajfti-4554	24	33	abroshan	abroshan	ADJ
ajfti-4554	24	34	,	,	PUNCT
ajfti-4554	24	35	2024	2024	NUM
ajfti-4554	24	36	)	)	PUNCT
ajfti-4554	24	37	.	.	PUNCT
ajfti-4554	25	1	research	research	NOUN
ajfti-4554	25	2	aim	aim	NOUN
ajfti-4554	25	3	,	,	PUNCT
ajfti-4554	25	4	objectives	objective	NOUN
ajfti-4554	25	5	,	,	PUNCT
ajfti-4554	25	6	and	and	CCONJ
ajfti-4554	25	7	research	research	NOUN
ajfti-4554	25	8	questions	question	NOUN
ajfti-4554	25	9	research	research	NOUN
ajfti-4554	25	10	aim	aim	VERB
ajfti-4554	25	11	this	this	DET
ajfti-4554	25	12	study	study	NOUN
ajfti-4554	25	13	aims	aim	VERB
ajfti-4554	25	14	to	to	PART
ajfti-4554	25	15	compare	compare	VERB
ajfti-4554	25	16	adoption	adoption	NOUN
ajfti-4554	25	17	trends	trend	NOUN
ajfti-4554	25	18	in	in	ADP
ajfti-4554	25	19	contactless	contactless	ADJ
ajfti-4554	25	20	payments	payment	NOUN
ajfti-4554	25	21	between	between	ADP
ajfti-4554	25	22	emerging	emerge	VERB
ajfti-4554	25	23	and	and	CCONJ
ajfti-4554	25	24	developed	developed	ADJ
ajfti-4554	25	25	markets	market	NOUN
ajfti-4554	25	26	,	,	PUNCT
ajfti-4554	25	27	identifying	identify	VERB
ajfti-4554	25	28	key	key	ADJ
ajfti-4554	25	29	drivers	driver	NOUN
ajfti-4554	25	30	,	,	PUNCT
ajfti-4554	25	31	barriers	barrier	NOUN
ajfti-4554	25	32	,	,	PUNCT
ajfti-4554	25	33	and	and	CCONJ
ajfti-4554	25	34	outcomes	outcome	NOUN
ajfti-4554	25	35	.	.	PUNCT
ajfti-4554	26	1	pa	pa	PROPN
ajfti-4554	26	2	ge	ge	PROPN
ajfti-4554	26	3	82	82	NUM
ajfti-4554	26	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4554	26	5	am	be	AUX
ajfti-4554	26	6	.	.	PUNCT
ajfti-4554	27	1	j.	j.	PROPN
ajfti-4554	27	2	financ	financ	PROPN
ajfti-4554	27	3	.	.	PUNCT
ajfti-4554	28	1	technol	technol	PROPN
ajfti-4554	28	2	.	.	PUNCT
ajfti-4554	28	3	innov	innov	PROPN
ajfti-4554	28	4	.	.	PUNCT
ajfti-4554	29	1	3(1	3(1	NUM
ajfti-4554	29	2	)	)	PUNCT
ajfti-4554	29	3	81	81	NUM
ajfti-4554	29	4	-	-	SYM
ajfti-4554	29	5	88	88	NUM
ajfti-4554	29	6	,	,	PUNCT
ajfti-4554	29	7	2025	2025	NUM
ajfti-4554	29	8	objectives	objective	NOUN
ajfti-4554	29	9	1	1	NUM
ajfti-4554	29	10	.	.	PUNCT
ajfti-4554	29	11	to	to	PART
ajfti-4554	29	12	assess	assess	VERB
ajfti-4554	29	13	the	the	DET
ajfti-4554	29	14	current	current	ADJ
ajfti-4554	29	15	adoption	adoption	NOUN
ajfti-4554	29	16	levels	level	NOUN
ajfti-4554	29	17	of	of	ADP
ajfti-4554	29	18	contactless	contactless	ADJ
ajfti-4554	29	19	payments	payment	NOUN
ajfti-4554	29	20	in	in	ADP
ajfti-4554	29	21	both	both	DET
ajfti-4554	29	22	market	market	NOUN
ajfti-4554	29	23	types	type	NOUN
ajfti-4554	29	24	.	.	PUNCT
ajfti-4554	30	1	2	2	X
ajfti-4554	30	2	.	.	PUNCT
ajfti-4554	30	3	to	to	PART
ajfti-4554	30	4	analyze	analyze	VERB
ajfti-4554	30	5	the	the	DET
ajfti-4554	30	6	technological	technological	ADJ
ajfti-4554	30	7	,	,	PUNCT
ajfti-4554	30	8	regulatory	regulatory	ADJ
ajfti-4554	30	9	,	,	PUNCT
ajfti-4554	30	10	and	and	CCONJ
ajfti-4554	30	11	socioeconomic	socioeconomic	ADJ
ajfti-4554	30	12	factors	factor	NOUN
ajfti-4554	30	13	influencing	influence	VERB
ajfti-4554	30	14	adoption	adoption	NOUN
ajfti-4554	30	15	.	.	PUNCT
ajfti-4554	31	1	3	3	X
ajfti-4554	31	2	.	.	PUNCT
ajfti-4554	31	3	to	to	PART
ajfti-4554	31	4	examine	examine	VERB
ajfti-4554	31	5	cybersecurity	cybersecurity	NOUN
ajfti-4554	31	6	threats	threat	NOUN
ajfti-4554	31	7	and	and	CCONJ
ajfti-4554	31	8	their	their	PRON
ajfti-4554	31	9	impact	impact	NOUN
ajfti-4554	31	10	on	on	ADP
ajfti-4554	31	11	user	user	NOUN
ajfti-4554	31	12	trust	trust	PROPN
ajfti-4554	31	13	.	.	PUNCT
ajfti-4554	32	1	4	4	X
ajfti-4554	32	2	.	.	PUNCT
ajfti-4554	32	3	to	to	PART
ajfti-4554	32	4	provide	provide	VERB
ajfti-4554	32	5	policy	policy	NOUN
ajfti-4554	32	6	recommendations	recommendation	NOUN
ajfti-4554	32	7	for	for	ADP
ajfti-4554	32	8	enhancing	enhance	VERB
ajfti-4554	32	9	contactless	contactless	ADJ
ajfti-4554	32	10	payment	payment	NOUN
ajfti-4554	32	11	adoption	adoption	NOUN
ajfti-4554	32	12	globally	globally	ADV
ajfti-4554	32	13	.	.	PUNCT
ajfti-4554	33	1	research	research	NOUN
ajfti-4554	33	2	questions	question	NOUN
ajfti-4554	33	3	1	1	NUM
ajfti-4554	33	4	.	.	PUNCT
ajfti-4554	34	1	what	what	PRON
ajfti-4554	34	2	are	be	AUX
ajfti-4554	34	3	the	the	DET
ajfti-4554	34	4	key	key	ADJ
ajfti-4554	34	5	factors	factor	NOUN
ajfti-4554	34	6	influencing	influence	VERB
ajfti-4554	34	7	contactless	contactless	ADJ
ajfti-4554	34	8	payment	payment	NOUN
ajfti-4554	34	9	adoption	adoption	NOUN
ajfti-4554	34	10	in	in	ADP
ajfti-4554	34	11	developed	develop	VERB
ajfti-4554	34	12	and	and	CCONJ
ajfti-4554	34	13	emerging	emerge	VERB
ajfti-4554	34	14	markets	market	NOUN
ajfti-4554	34	15	?	?	PUNCT
ajfti-4554	35	1	2	2	X
ajfti-4554	35	2	.	.	X
ajfti-4554	35	3	how	how	SCONJ
ajfti-4554	35	4	do	do	AUX
ajfti-4554	35	5	security	security	NOUN
ajfti-4554	35	6	and	and	CCONJ
ajfti-4554	35	7	regulatory	regulatory	ADJ
ajfti-4554	35	8	challenges	challenge	NOUN
ajfti-4554	35	9	affect	affect	VERB
ajfti-4554	35	10	adoption	adoption	NOUN
ajfti-4554	35	11	rates	rate	NOUN
ajfti-4554	35	12	?	?	PUNCT
ajfti-4554	36	1	3	3	X
ajfti-4554	36	2	.	.	X
ajfti-4554	36	3	what	what	DET
ajfti-4554	36	4	strategies	strategy	NOUN
ajfti-4554	36	5	can	can	AUX
ajfti-4554	36	6	enhance	enhance	VERB
ajfti-4554	36	7	digital	digital	ADJ
ajfti-4554	36	8	financial	financial	ADJ
ajfti-4554	36	9	inclusion	inclusion	NOUN
ajfti-4554	36	10	in	in	ADP
ajfti-4554	36	11	emerging	emerge	VERB
ajfti-4554	36	12	markets	market	NOUN
ajfti-4554	36	13	?	?	PUNCT
ajfti-4554	37	1	scope	scope	NOUN
ajfti-4554	37	2	of	of	ADP
ajfti-4554	37	3	the	the	DET
ajfti-4554	37	4	review	review	NOUN
ajfti-4554	37	5	this	this	DET
ajfti-4554	37	6	systematic	systematic	ADJ
ajfti-4554	37	7	review	review	NOUN
ajfti-4554	37	8	analyzes	analyze	VERB
ajfti-4554	37	9	peer	peer	NOUN
ajfti-4554	37	10	-	-	PUNCT
ajfti-4554	37	11	reviewed	review	VERB
ajfti-4554	37	12	literature	literature	NOUN
ajfti-4554	37	13	relating	relate	VERB
ajfti-4554	37	14	to	to	ADP
ajfti-4554	37	15	contactless	contactless	ADJ
ajfti-4554	37	16	payment	payment	NOUN
ajfti-4554	37	17	participation	participation	NOUN
ajfti-4554	37	18	;	;	PUNCT
ajfti-4554	37	19	this	this	PRON
ajfti-4554	37	20	includes	include	VERB
ajfti-4554	37	21	only	only	ADV
ajfti-4554	37	22	recent	recent	ADJ
ajfti-4554	37	23	publications	publication	NOUN
ajfti-4554	37	24	.	.	PUNCT
ajfti-4554	38	1	the	the	DET
ajfti-4554	38	2	review	review	NOUN
ajfti-4554	38	3	will	will	AUX
ajfti-4554	38	4	then	then	ADV
ajfti-4554	38	5	compare	compare	VERB
ajfti-4554	38	6	the	the	DET
ajfti-4554	38	7	experiences	experience	NOUN
ajfti-4554	38	8	of	of	ADP
ajfti-4554	38	9	developed	develop	VERB
ajfti-4554	38	10	economies	economy	NOUN
ajfti-4554	38	11	like	like	ADP
ajfti-4554	38	12	the	the	DET
ajfti-4554	38	13	u.s	u.s	PROPN
ajfti-4554	38	14	.	.	PROPN
ajfti-4554	38	15	,	,	PUNCT
ajfti-4554	38	16	u.k	u.k	PROPN
ajfti-4554	38	17	.	.	PROPN
ajfti-4554	38	18	,	,	PUNCT
ajfti-4554	38	19	eu	eu	PROPN
ajfti-4554	38	20	countries	country	NOUN
ajfti-4554	38	21	with	with	ADP
ajfti-4554	38	22	emerging	emerge	VERB
ajfti-4554	38	23	economies	economy	NOUN
ajfti-4554	38	24	like	like	ADP
ajfti-4554	38	25	the	the	DET
ajfti-4554	38	26	india	india	PROPN
ajfti-4554	38	27	,	,	PUNCT
ajfti-4554	38	28	nigeria	nigeria	PROPN
ajfti-4554	38	29	and	and	CCONJ
ajfti-4554	38	30	brazil	brazil	PROPN
ajfti-4554	38	31	.	.	PUNCT
ajfti-4554	39	1	using	use	VERB
ajfti-4554	39	2	a	a	DET
ajfti-4554	39	3	synthesis	synthesis	NOUN
ajfti-4554	39	4	of	of	ADP
ajfti-4554	39	5	the	the	DET
ajfti-4554	39	6	two	two	NUM
ajfti-4554	39	7	contexts	context	NOUN
ajfti-4554	39	8	,	,	PUNCT
ajfti-4554	39	9	this	this	PRON
ajfti-4554	39	10	will	will	AUX
ajfti-4554	39	11	be	be	AUX
ajfti-4554	39	12	able	able	ADJ
ajfti-4554	39	13	to	to	PART
ajfti-4554	39	14	provide	provide	VERB
ajfti-4554	39	15	actionable	actionable	ADJ
ajfti-4554	39	16	knowledge	knowledge	NOUN
ajfti-4554	39	17	for	for	ADP
ajfti-4554	39	18	financial	financial	ADJ
ajfti-4554	39	19	institutions	institution	NOUN
ajfti-4554	39	20	,	,	PUNCT
ajfti-4554	39	21	policymakers	policymaker	NOUN
ajfti-4554	39	22	,	,	PUNCT
ajfti-4554	39	23	and	and	CCONJ
ajfti-4554	39	24	technology	technology	NOUN
ajfti-4554	39	25	providers	provider	NOUN
ajfti-4554	39	26	to	to	PART
ajfti-4554	39	27	improve	improve	VERB
ajfti-4554	39	28	digital	digital	ADJ
ajfti-4554	39	29	payment	payment	NOUN
ajfti-4554	39	30	adoption	adoption	NOUN
ajfti-4554	39	31	in	in	ADP
ajfti-4554	39	32	the	the	DET
ajfti-4554	39	33	rest	rest	NOUN
ajfti-4554	39	34	of	of	ADP
ajfti-4554	39	35	the	the	DET
ajfti-4554	39	36	world	world	NOUN
ajfti-4554	39	37	.	.	PUNCT
ajfti-4554	40	1	literature	literature	NOUN
ajfti-4554	40	2	review	review	VERB
ajfti-4554	40	3	the	the	DET
ajfti-4554	40	4	advancement	advancement	NOUN
ajfti-4554	40	5	of	of	ADP
ajfti-4554	40	6	contactless	contactless	ADJ
ajfti-4554	40	7	payment	payment	NOUN
ajfti-4554	40	8	technologies	technology	NOUN
ajfti-4554	40	9	has	have	AUX
ajfti-4554	40	10	played	play	VERB
ajfti-4554	40	11	a	a	DET
ajfti-4554	40	12	crucial	crucial	ADJ
ajfti-4554	40	13	part	part	NOUN
ajfti-4554	40	14	in	in	ADP
ajfti-4554	40	15	the	the	DET
ajfti-4554	40	16	alterations	alteration	NOUN
ajfti-4554	40	17	of	of	ADP
ajfti-4554	40	18	financial	financial	ADJ
ajfti-4554	40	19	interactions	interaction	NOUN
ajfti-4554	40	20	,	,	PUNCT
ajfti-4554	40	21	using	use	VERB
ajfti-4554	40	22	near	near	ADP
ajfti-4554	40	23	field	field	NOUN
ajfti-4554	40	24	communication	communication	NOUN
ajfti-4554	40	25	(	(	PUNCT
ajfti-4554	40	26	nfc	nfc	NOUN
ajfti-4554	40	27	)	)	PUNCT
ajfti-4554	40	28	,	,	PUNCT
ajfti-4554	40	29	radio	radio	NOUN
ajfti-4554	40	30	frequency	frequency	NOUN
ajfti-4554	40	31	identification	identification	NOUN
ajfti-4554	40	32	(	(	PUNCT
ajfti-4554	40	33	rfid	rfid	NOUN
ajfti-4554	40	34	)	)	PUNCT
ajfti-4554	40	35	,	,	PUNCT
ajfti-4554	40	36	quick	quick	ADJ
ajfti-4554	40	37	response	response	NOUN
ajfti-4554	40	38	(	(	PUNCT
ajfti-4554	40	39	qr	qr	NOUN
ajfti-4554	40	40	)	)	PUNCT
ajfti-4554	40	41	,	,	PUNCT
ajfti-4554	40	42	and	and	CCONJ
ajfti-4554	40	43	mobile	mobile	ADJ
ajfti-4554	40	44	wallet	wallet	NOUN
ajfti-4554	40	45	,	,	PUNCT
ajfti-4554	40	46	and	and	CCONJ
ajfti-4554	40	47	so	so	ADV
ajfti-4554	40	48	on	on	ADV
ajfti-4554	40	49	.	.	PUNCT
ajfti-4554	41	1	however	however	ADV
ajfti-4554	41	2	,	,	PUNCT
ajfti-4554	41	3	emerging	emerge	VERB
ajfti-4554	41	4	markets	market	NOUN
ajfti-4554	41	5	have	have	AUX
ajfti-4554	41	6	embraced	embrace	VERB
ajfti-4554	41	7	qr	qr	PROPN
ajfti-4554	41	8	code	code	NOUN
ajfti-4554	41	9	-	-	PUNCT
ajfti-4554	41	10	based	base	VERB
ajfti-4554	41	11	transactions	transaction	NOUN
ajfti-4554	41	12	for	for	ADP
ajfti-4554	41	13	financial	financial	ADJ
ajfti-4554	41	14	inclusion	inclusion	NOUN
ajfti-4554	41	15	(	(	PUNCT
ajfti-4554	41	16	mishra	mishra	PROPN
ajfti-4554	41	17	,	,	PUNCT
ajfti-4554	41	18	jha	jha	PROPN
ajfti-4554	41	19	,	,	PUNCT
ajfti-4554	41	20	&	&	CCONJ
ajfti-4554	41	21	gupta	gupta	PROPN
ajfti-4554	41	22	,	,	PUNCT
ajfti-4554	41	23	2024	2024	NUM
ajfti-4554	41	24	)	)	PUNCT
ajfti-4554	41	25	because	because	SCONJ
ajfti-4554	41	26	they	they	PRON
ajfti-4554	41	27	are	be	AUX
ajfti-4554	41	28	dependent	dependent	ADJ
ajfti-4554	41	29	on	on	ADP
ajfti-4554	41	30	qr	qr	PROPN
ajfti-4554	41	31	code	code	NOUN
ajfti-4554	41	32	-	-	PUNCT
ajfti-4554	41	33	based	base	VERB
ajfti-4554	41	34	transactions	transaction	NOUN
ajfti-4554	41	35	while	while	SCONJ
ajfti-4554	41	36	developed	developed	ADJ
ajfti-4554	41	37	economies	economy	NOUN
ajfti-4554	41	38	have	have	AUX
ajfti-4554	41	39	adopted	adopt	VERB
ajfti-4554	41	40	nfc	nfc	NOUN
ajfti-4554	41	41	and	and	CCONJ
ajfti-4554	41	42	mobile	mobile	ADJ
ajfti-4554	41	43	payment	payment	NOUN
ajfti-4554	41	44	systems	system	NOUN
ajfti-4554	41	45	due	due	ADJ
ajfti-4554	41	46	to	to	ADP
ajfti-4554	41	47	established	establish	VERB
ajfti-4554	41	48	digital	digital	ADJ
ajfti-4554	41	49	infrastructures	infrastructure	NOUN
ajfti-4554	41	50	.	.	PUNCT
ajfti-4554	42	1	though	though	SCONJ
ajfti-4554	42	2	these	these	DET
ajfti-4554	42	3	advances	advance	NOUN
ajfti-4554	42	4	have	have	AUX
ajfti-4554	42	5	narrowed	narrow	VERB
ajfti-4554	42	6	the	the	DET
ajfti-4554	42	7	gap	gap	NOUN
ajfti-4554	42	8	,	,	PUNCT
ajfti-4554	42	9	security	security	NOUN
ajfti-4554	42	10	gaps	gap	NOUN
ajfti-4554	42	11	,	,	PUNCT
ajfti-4554	42	12	non	non	ADJ
ajfti-4554	42	13	-	-	ADJ
ajfti-4554	42	14	standardized	standardized	ADJ
ajfti-4554	42	15	regulations	regulation	NOUN
ajfti-4554	42	16	,	,	PUNCT
ajfti-4554	42	17	and	and	CCONJ
ajfti-4554	42	18	reluctance	reluctance	NOUN
ajfti-4554	42	19	on	on	ADP
ajfti-4554	42	20	the	the	DET
ajfti-4554	42	21	consumer	consumer	NOUN
ajfti-4554	42	22	side	side	NOUN
ajfti-4554	42	23	still	still	ADV
ajfti-4554	42	24	slow	slow	VERB
ajfti-4554	42	25	the	the	DET
ajfti-4554	42	26	adoption	adoption	NOUN
ajfti-4554	42	27	of	of	ADP
ajfti-4554	42	28	contactless	contactless	ADJ
ajfti-4554	42	29	payments	payment	NOUN
ajfti-4554	42	30	on	on	ADP
ajfti-4554	42	31	a	a	DET
ajfti-4554	42	32	global	global	ADJ
ajfti-4554	42	33	level	level	NOUN
ajfti-4554	42	34	.	.	PUNCT
ajfti-4554	43	1	robust	robust	ADJ
ajfti-4554	43	2	financial	financial	ADJ
ajfti-4554	43	3	infrastructure	infrastructure	NOUN
ajfti-4554	43	4	and	and	CCONJ
ajfti-4554	43	5	regulatory	regulatory	ADJ
ajfti-4554	43	6	compliance	compliance	NOUN
ajfti-4554	43	7	have	have	AUX
ajfti-4554	43	8	led	lead	VERB
ajfti-4554	43	9	the	the	DET
ajfti-4554	43	10	developed	develop	VERB
ajfti-4554	43	11	economies	economy	NOUN
ajfti-4554	43	12	to	to	PART
ajfti-4554	43	13	rapidly	rapidly	ADV
ajfti-4554	43	14	adopt	adopt	VERB
ajfti-4554	43	15	contactless	contactless	NOUN
ajfti-4554	43	16	payments	payment	NOUN
ajfti-4554	43	17	.	.	PUNCT
ajfti-4554	44	1	countries	country	NOUN
ajfti-4554	44	2	like	like	ADP
ajfti-4554	44	3	the	the	DET
ajfti-4554	44	4	uk	uk	PROPN
ajfti-4554	44	5	and	and	CCONJ
ajfti-4554	44	6	sweden	sweden	PROPN
ajfti-4554	44	7	have	have	VERB
ajfti-4554	44	8	almost	almost	ADV
ajfti-4554	44	9	universal	universal	ADJ
ajfti-4554	44	10	adoption	adoption	NOUN
ajfti-4554	44	11	of	of	ADP
ajfti-4554	44	12	mobile	mobile	ADJ
ajfti-4554	44	13	wallets	wallet	NOUN
ajfti-4554	44	14	and	and	CCONJ
ajfti-4554	44	15	nfc	nfc	NOUN
ajfti-4554	44	16	cards	card	NOUN
ajfti-4554	44	17	as	as	SCONJ
ajfti-4554	44	18	financial	financial	ADJ
ajfti-4554	44	19	institutions	institution	NOUN
ajfti-4554	44	20	are	be	AUX
ajfti-4554	44	21	trusted	trust	VERB
ajfti-4554	44	22	and	and	CCONJ
ajfti-4554	44	23	the	the	DET
ajfti-4554	44	24	cybersecurity	cybersecurity	NOUN
ajfti-4554	44	25	is	be	AUX
ajfti-4554	44	26	strong	strong	ADJ
ajfti-4554	44	27	(	(	PUNCT
ajfti-4554	44	28	bezhovski	bezhovski	NOUN
ajfti-4554	44	29	,	,	PUNCT
ajfti-4554	44	30	2016	2016	NUM
ajfti-4554	44	31	)	)	PUNCT
ajfti-4554	44	32	.	.	PUNCT
ajfti-4554	45	1	unfortunately	unfortunately	ADV
ajfti-4554	45	2	,	,	PUNCT
ajfti-4554	45	3	the	the	DET
ajfti-4554	45	4	persistent	persistent	ADJ
ajfti-4554	45	5	threat	threat	NOUN
ajfti-4554	45	6	of	of	ADP
ajfti-4554	45	7	cybersecurity	cybersecurity	NOUN
ajfti-4554	45	8	risks	risk	NOUN
ajfti-4554	45	9	is	be	AUX
ajfti-4554	45	10	that	that	SCONJ
ajfti-4554	45	11	they	they	PRON
ajfti-4554	45	12	lead	lead	VERB
ajfti-4554	45	13	to	to	ADP
ajfti-4554	45	14	financial	financial	ADJ
ajfti-4554	45	15	frauds	fraud	NOUN
ajfti-4554	45	16	and	and	CCONJ
ajfti-4554	45	17	data	datum	NOUN
ajfti-4554	45	18	breaches	breach	NOUN
ajfti-4554	45	19	through	through	ADP
ajfti-4554	45	20	the	the	DET
ajfti-4554	45	21	exploitation	exploitation	NOUN
ajfti-4554	45	22	of	of	ADP
ajfti-4554	45	23	the	the	DET
ajfti-4554	45	24	vulnerabilities	vulnerability	NOUN
ajfti-4554	45	25	in	in	ADP
ajfti-4554	45	26	digital	digital	ADJ
ajfti-4554	45	27	payment	payment	NOUN
ajfti-4554	45	28	systems	system	NOUN
ajfti-4554	45	29	.	.	PUNCT
ajfti-4554	46	1	with	with	ADP
ajfti-4554	46	2	the	the	DET
ajfti-4554	46	3	integration	integration	NOUN
ajfti-4554	46	4	of	of	ADP
ajfti-4554	46	5	financial	financial	ADJ
ajfti-4554	46	6	transactions	transaction	NOUN
ajfti-4554	46	7	into	into	ADP
ajfti-4554	46	8	smart	smart	ADJ
ajfti-4554	46	9	home	home	NOUN
ajfti-4554	46	10	ecosystems	ecosystem	NOUN
ajfti-4554	46	11	,	,	PUNCT
ajfti-4554	46	12	concerns	concern	NOUN
ajfti-4554	46	13	about	about	ADP
ajfti-4554	46	14	unauthorized	unauthorized	ADJ
ajfti-4554	46	15	access	access	NOUN
ajfti-4554	46	16	to	to	ADP
ajfti-4554	46	17	financial	financial	ADJ
ajfti-4554	46	18	data	datum	NOUN
ajfti-4554	46	19	have	have	AUX
ajfti-4554	46	20	been	be	AUX
ajfti-4554	46	21	raised	raise	VERB
ajfti-4554	46	22	,	,	PUNCT
ajfti-4554	46	23	which	which	PRON
ajfti-4554	46	24	calls	call	VERB
ajfti-4554	46	25	for	for	ADP
ajfti-4554	46	26	more	more	ADV
ajfti-4554	46	27	strict	strict	ADJ
ajfti-4554	46	28	security	security	NOUN
ajfti-4554	46	29	protocols	protocol	NOUN
ajfti-4554	46	30	(	(	PUNCT
ajfti-4554	46	31	harkai	harkai	NOUN
ajfti-4554	46	32	,	,	PUNCT
ajfti-4554	46	33	2024	2024	NUM
ajfti-4554	46	34	)	)	PUNCT
ajfti-4554	46	35	.	.	PUNCT
ajfti-4554	47	1	moreover	moreover	ADV
ajfti-4554	47	2	,	,	PUNCT
ajfti-4554	47	3	there	there	PRON
ajfti-4554	47	4	are	be	VERB
ajfti-4554	47	5	regulatory	regulatory	ADJ
ajfti-4554	47	6	requirements	requirement	NOUN
ajfti-4554	47	7	like	like	ADP
ajfti-4554	47	8	europe	europe	PROPN
ajfti-4554	47	9	’s	’s	PART
ajfti-4554	47	10	payment	payment	NOUN
ajfti-4554	47	11	services	service	NOUN
ajfti-4554	47	12	directive	directive	NOUN
ajfti-4554	47	13	2	2	NUM
ajfti-4554	47	14	(	(	PUNCT
ajfti-4554	47	15	psd2	psd2	PROPN
ajfti-4554	47	16	)	)	PUNCT
ajfti-4554	47	17	aimed	aim	VERB
ajfti-4554	47	18	at	at	ADP
ajfti-4554	47	19	improving	improve	VERB
ajfti-4554	47	20	security	security	NOUN
ajfti-4554	47	21	,	,	PUNCT
ajfti-4554	47	22	but	but	CCONJ
ajfti-4554	47	23	at	at	ADP
ajfti-4554	47	24	the	the	DET
ajfti-4554	47	25	expense	expense	NOUN
ajfti-4554	47	26	of	of	ADP
ajfti-4554	47	27	business	business	NOUN
ajfti-4554	47	28	operation	operation	NOUN
ajfti-4554	47	29	that	that	PRON
ajfti-4554	47	30	is	be	AUX
ajfti-4554	47	31	obliged	oblige	VERB
ajfti-4554	47	32	to	to	PART
ajfti-4554	47	33	implement	implement	VERB
ajfti-4554	47	34	and	and	CCONJ
ajfti-4554	47	35	comply	comply	VERB
ajfti-4554	47	36	with	with	ADP
ajfti-4554	47	37	the	the	DET
ajfti-4554	47	38	multi	multi	ADJ
ajfti-4554	47	39	factor	factor	NOUN
ajfti-4554	47	40	authentication	authentication	NOUN
ajfti-4554	47	41	and	and	CCONJ
ajfti-4554	47	42	data	datum	NOUN
ajfti-4554	47	43	protection	protection	NOUN
ajfti-4554	47	44	standards	standard	NOUN
ajfti-4554	47	45	.	.	PUNCT
ajfti-4554	48	1	mobile	mobile	ADJ
ajfti-4554	48	2	first	first	ADJ
ajfti-4554	48	3	adoption	adoption	NOUN
ajfti-4554	48	4	of	of	ADP
ajfti-4554	48	5	digital	digital	ADJ
ajfti-4554	48	6	payments	payment	NOUN
ajfti-4554	48	7	has	have	AUX
ajfti-4554	48	8	brought	bring	VERB
ajfti-4554	48	9	about	about	ADP
ajfti-4554	48	10	rapid	rapid	ADJ
ajfti-4554	48	11	growth	growth	NOUN
ajfti-4554	48	12	in	in	ADP
ajfti-4554	48	13	emerging	emerge	VERB
ajfti-4554	48	14	economies	economy	NOUN
ajfti-4554	48	15	,	,	PUNCT
ajfti-4554	48	16	specifically	specifically	ADV
ajfti-4554	48	17	due	due	ADP
ajfti-4554	48	18	to	to	ADP
ajfti-4554	48	19	the	the	DET
ajfti-4554	48	20	involvement	involvement	NOUN
ajfti-4554	48	21	of	of	ADP
ajfti-4554	48	22	the	the	DET
ajfti-4554	48	23	government	government	NOUN
ajfti-4554	48	24	in	in	ADP
ajfti-4554	48	25	financial	financial	ADJ
ajfti-4554	48	26	inclusion	inclusion	NOUN
ajfti-4554	48	27	initiatives	initiative	NOUN
ajfti-4554	48	28	.	.	PUNCT
ajfti-4554	49	1	with	with	ADP
ajfti-4554	49	2	their	their	PRON
ajfti-4554	49	3	low	low	ADJ
ajfti-4554	49	4	implementation	implementation	NOUN
ajfti-4554	49	5	cost	cost	NOUN
ajfti-4554	49	6	and	and	CCONJ
ajfti-4554	49	7	accessibility	accessibility	NOUN
ajfti-4554	49	8	,	,	PUNCT
ajfti-4554	49	9	qr	qr	PROPN
ajfti-4554	49	10	code	code	NOUN
ajfti-4554	49	11	payments	payment	NOUN
ajfti-4554	49	12	have	have	AUX
ajfti-4554	49	13	become	become	VERB
ajfti-4554	49	14	a	a	DET
ajfti-4554	49	15	popular	popular	ADJ
ajfti-4554	49	16	option	option	NOUN
ajfti-4554	49	17	for	for	ADP
ajfti-4554	49	18	small	small	ADJ
ajfti-4554	49	19	businesses	business	NOUN
ajfti-4554	49	20	and	and	CCONJ
ajfti-4554	49	21	unbanked	unbanked	ADJ
ajfti-4554	49	22	populations	population	NOUN
ajfti-4554	49	23	and	and	CCONJ
ajfti-4554	49	24	have	have	AUX
ajfti-4554	49	25	been	be	AUX
ajfti-4554	49	26	adopted	adopt	VERB
ajfti-4554	49	27	by	by	ADP
ajfti-4554	49	28	them	they	PRON
ajfti-4554	49	29	(	(	PUNCT
ajfti-4554	49	30	mohammed	mohammed	PROPN
ajfti-4554	49	31	,	,	PUNCT
ajfti-4554	49	32	2025	2025	NUM
ajfti-4554	49	33	)	)	PUNCT
ajfti-4554	49	34	.	.	PUNCT
ajfti-4554	50	1	india	india	PROPN
ajfti-4554	50	2	’s	’s	PART
ajfti-4554	50	3	unified	unified	ADJ
ajfti-4554	50	4	payments	payment	NOUN
ajfti-4554	50	5	interface	interface	NOUN
ajfti-4554	50	6	(	(	PUNCT
ajfti-4554	50	7	upi	upi	PROPN
ajfti-4554	50	8	)	)	PUNCT
ajfti-4554	50	9	is	be	AUX
ajfti-4554	50	10	a	a	DET
ajfti-4554	50	11	case	case	NOUN
ajfti-4554	50	12	for	for	ADP
ajfti-4554	50	13	a	a	DET
ajfti-4554	50	14	government	government	NOUN
ajfti-4554	50	15	-	-	PUNCT
ajfti-4554	50	16	backed	back	VERB
ajfti-4554	50	17	payment	payment	NOUN
ajfti-4554	50	18	system	system	NOUN
ajfti-4554	50	19	in	in	ADP
ajfti-4554	50	20	increasing	increase	VERB
ajfti-4554	50	21	the	the	DET
ajfti-4554	50	22	rate	rate	NOUN
ajfti-4554	50	23	of	of	ADP
ajfti-4554	50	24	digital	digital	ADJ
ajfti-4554	50	25	transactions	transaction	NOUN
ajfti-4554	50	26	(	(	PUNCT
ajfti-4554	50	27	mishra	mishra	PROPN
ajfti-4554	50	28	et	et	PROPN
ajfti-4554	50	29	al	al	PROPN
ajfti-4554	50	30	.	.	PROPN
ajfti-4554	50	31	,	,	PUNCT
ajfti-4554	50	32	2024	2024	NUM
ajfti-4554	50	33	)	)	PUNCT
ajfti-4554	50	34	.	.	PUNCT
ajfti-4554	51	1	however	however	ADV
ajfti-4554	51	2	,	,	PUNCT
ajfti-4554	51	3	there	there	PRON
ajfti-4554	51	4	has	have	AUX
ajfti-4554	51	5	been	be	AUX
ajfti-4554	51	6	a	a	DET
ajfti-4554	51	7	progress	progress	NOUN
ajfti-4554	51	8	yet	yet	CCONJ
ajfti-4554	51	9	only	only	ADV
ajfti-4554	51	10	cybersecurity	cybersecurity	NOUN
ajfti-4554	51	11	vulnerabilities	vulnerability	NOUN
ajfti-4554	51	12	continue	continue	VERB
ajfti-4554	51	13	to	to	PART
ajfti-4554	51	14	be	be	AUX
ajfti-4554	51	15	a	a	DET
ajfti-4554	51	16	major	major	ADJ
ajfti-4554	51	17	concern	concern	NOUN
ajfti-4554	51	18	.	.	PUNCT
ajfti-4554	52	1	in	in	ADP
ajfti-4554	52	2	several	several	ADJ
ajfti-4554	52	3	emerging	emerge	VERB
ajfti-4554	52	4	markets	market	NOUN
ajfti-4554	52	5	,	,	PUNCT
ajfti-4554	52	6	users	user	NOUN
ajfti-4554	52	7	face	face	VERB
ajfti-4554	52	8	fraud	fraud	NOUN
ajfti-4554	52	9	,	,	PUNCT
ajfti-4554	52	10	phishing	phishe	VERB
ajfti-4554	52	11	attacks	attack	NOUN
ajfti-4554	52	12	and	and	CCONJ
ajfti-4554	52	13	identity	identity	NOUN
ajfti-4554	52	14	theft	theft	NOUN
ajfti-4554	52	15	(	(	PUNCT
ajfti-4554	52	16	oyewole	oyewole	NOUN
ajfti-4554	52	17	et	et	PROPN
ajfti-4554	52	18	al	al	PROPN
ajfti-4554	52	19	.	.	PROPN
ajfti-4554	52	20	,	,	PUNCT
ajfti-4554	52	21	2024	2024	NUM
ajfti-4554	52	22	)	)	PUNCT
ajfti-4554	52	23	because	because	SCONJ
ajfti-4554	52	24	of	of	ADP
ajfti-4554	52	25	the	the	DET
ajfti-4554	52	26	lack	lack	NOUN
ajfti-4554	52	27	of	of	ADP
ajfti-4554	52	28	standardized	standardized	ADJ
ajfti-4554	52	29	cybersecurity	cybersecurity	NOUN
ajfti-4554	52	30	measures	measure	NOUN
ajfti-4554	52	31	.	.	PUNCT
ajfti-4554	53	1	additionally	additionally	ADV
ajfti-4554	53	2	,	,	PUNCT
ajfti-4554	53	3	lack	lack	NOUN
ajfti-4554	53	4	of	of	ADP
ajfti-4554	53	5	uniform	uniform	ADJ
ajfti-4554	53	6	regulatory	regulatory	ADJ
ajfti-4554	53	7	judgments	judgment	NOUN
ajfti-4554	53	8	in	in	ADP
ajfti-4554	53	9	various	various	ADJ
ajfti-4554	53	10	jurisdictions	jurisdiction	NOUN
ajfti-4554	53	11	renders	render	VERB
ajfti-4554	53	12	the	the	DET
ajfti-4554	53	13	development	development	NOUN
ajfti-4554	53	14	of	of	ADP
ajfti-4554	53	15	a	a	DET
ajfti-4554	53	16	secure	secure	ADJ
ajfti-4554	53	17	and	and	CCONJ
ajfti-4554	53	18	unbroken	unbroken	ADJ
ajfti-4554	53	19	digital	digital	ADJ
ajfti-4554	53	20	transaction	transaction	NOUN
ajfti-4554	53	21	mechanism	mechanism	NOUN
ajfti-4554	53	22	difficult	difficult	ADJ
ajfti-4554	53	23	and	and	CCONJ
ajfti-4554	53	24	building	build	VERB
ajfti-4554	53	25	consumer	consumer	NOUN
ajfti-4554	53	26	confidence	confidence	NOUN
ajfti-4554	53	27	in	in	ADP
ajfti-4554	53	28	contactless	contactless	ADJ
ajfti-4554	53	29	payment	payment	NOUN
ajfti-4554	53	30	systems	system	NOUN
ajfti-4554	53	31	is	be	AUX
ajfti-4554	53	32	constrained	constrain	VERB
ajfti-4554	53	33	.	.	PUNCT
ajfti-4554	54	1	the	the	DET
ajfti-4554	54	2	makeup	makeup	NOUN
ajfti-4554	54	3	of	of	ADP
ajfti-4554	54	4	the	the	DET
ajfti-4554	54	5	adoption	adoption	NOUN
ajfti-4554	54	6	of	of	ADP
ajfti-4554	54	7	contactless	contactless	ADJ
ajfti-4554	54	8	payments	payment	NOUN
ajfti-4554	54	9	depends	depend	VERB
ajfti-4554	54	10	on	on	ADP
ajfti-4554	54	11	the	the	DET
ajfti-4554	54	12	consumer	consumer	NOUN
ajfti-4554	54	13	behavior	behavior	NOUN
ajfti-4554	54	14	.	.	PUNCT
ajfti-4554	55	1	in	in	ADP
ajfti-4554	55	2	developed	develop	VERB
ajfti-4554	55	3	markets	market	NOUN
ajfti-4554	55	4	,	,	PUNCT
ajfti-4554	55	5	the	the	DET
ajfti-4554	55	6	winning	win	VERB
ajfti-4554	55	7	market	market	NOUN
ajfti-4554	55	8	conditions	condition	NOUN
ajfti-4554	55	9	of	of	ADP
ajfti-4554	55	10	digital	digital	ADJ
ajfti-4554	55	11	payments	payment	NOUN
ajfti-4554	55	12	lead	lead	VERB
ajfti-4554	55	13	to	to	ADP
ajfti-4554	55	14	adoption	adoption	NOUN
ajfti-4554	55	15	,	,	PUNCT
ajfti-4554	55	16	particularly	particularly	ADV
ajfti-4554	55	17	by	by	ADP
ajfti-4554	55	18	younger	young	ADJ
ajfti-4554	55	19	demographics	demographic	NOUN
ajfti-4554	55	20	(	(	PUNCT
ajfti-4554	55	21	barroso	barroso	PROPN
ajfti-4554	55	22	&	&	CCONJ
ajfti-4554	55	23	laborda	laborda	PROPN
ajfti-4554	55	24	,	,	PUNCT
ajfti-4554	55	25	2022	2022	NUM
ajfti-4554	55	26	)	)	PUNCT
ajfti-4554	55	27	.	.	PUNCT
ajfti-4554	56	1	nevertheless	nevertheless	ADV
ajfti-4554	56	2	,	,	PUNCT
ajfti-4554	56	3	data	datum	NOUN
ajfti-4554	56	4	privacy	privacy	NOUN
ajfti-4554	56	5	and	and	CCONJ
ajfti-4554	56	6	cyberattack	cyberattack	NOUN
ajfti-4554	56	7	concern	concern	NOUN
ajfti-4554	56	8	hindering	hinder	VERB
ajfti-4554	56	9	widespread	widespread	ADJ
ajfti-4554	56	10	trust	trust	NOUN
ajfti-4554	56	11	of	of	ADP
ajfti-4554	56	12	these	these	DET
ajfti-4554	56	13	systems	system	NOUN
ajfti-4554	56	14	(	(	PUNCT
ajfti-4554	56	15	lathiya	lathiya	PROPN
ajfti-4554	56	16	&	&	CCONJ
ajfti-4554	56	17	wang	wang	PROPN
ajfti-4554	56	18	,	,	PUNCT
ajfti-4554	56	19	2021	2021	NUM
ajfti-4554	56	20	)	)	PUNCT
ajfti-4554	56	21	.	.	PUNCT
ajfti-4554	57	1	on	on	ADP
ajfti-4554	57	2	the	the	DET
ajfti-4554	57	3	other	other	ADJ
ajfti-4554	57	4	hand	hand	NOUN
ajfti-4554	57	5	,	,	PUNCT
ajfti-4554	57	6	in	in	ADP
ajfti-4554	57	7	emerging	emerge	VERB
ajfti-4554	57	8	economies	economy	NOUN
ajfti-4554	57	9	,	,	PUNCT
ajfti-4554	57	10	a	a	DET
ajfti-4554	57	11	strong	strong	ADJ
ajfti-4554	57	12	chance	chance	NOUN
ajfti-4554	57	13	for	for	ADP
ajfti-4554	57	14	digital	digital	ADJ
ajfti-4554	57	15	payment	payment	NOUN
ajfti-4554	57	16	adoption	adoption	NOUN
ajfti-4554	57	17	still	still	ADV
ajfti-4554	57	18	comes	come	VERB
ajfti-4554	57	19	from	from	ADP
ajfti-4554	57	20	a	a	DET
ajfti-4554	57	21	necessity	necessity	NOUN
ajfti-4554	57	22	,	,	PUNCT
ajfti-4554	57	23	rather	rather	ADV
ajfti-4554	57	24	than	than	ADP
ajfti-4554	57	25	preference	preference	NOUN
ajfti-4554	57	26	.	.	PUNCT
ajfti-4554	58	1	mobile	mobile	ADJ
ajfti-4554	58	2	payments	payment	NOUN
ajfti-4554	58	3	are	be	AUX
ajfti-4554	58	4	a	a	DET
ajfti-4554	58	5	viable	viable	ADJ
ajfti-4554	58	6	option	option	NOUN
ajfti-4554	58	7	to	to	ADP
ajfti-4554	58	8	the	the	DET
ajfti-4554	58	9	traditional	traditional	ADJ
ajfti-4554	58	10	banking	banking	NOUN
ajfti-4554	58	11	,	,	PUNCT
ajfti-4554	58	12	due	due	ADP
ajfti-4554	58	13	to	to	ADP
ajfti-4554	58	14	financial	financial	ADJ
ajfti-4554	58	15	constraints	constraint	NOUN
ajfti-4554	58	16	and	and	CCONJ
ajfti-4554	58	17	lack	lack	NOUN
ajfti-4554	58	18	of	of	ADP
ajfti-4554	58	19	banking	banking	NOUN
ajfti-4554	58	20	services	service	NOUN
ajfti-4554	58	21	.	.	PUNCT
ajfti-4554	59	1	despite	despite	SCONJ
ajfti-4554	59	2	these	these	PRON
ajfti-4554	59	3	,	,	PUNCT
ajfti-4554	59	4	consumer	consumer	NOUN
ajfti-4554	59	5	trust	trust	NOUN
ajfti-4554	59	6	is	be	AUX
ajfti-4554	59	7	negatively	negatively	ADV
ajfti-4554	59	8	impacted	impact	VERB
ajfti-4554	59	9	such	such	ADJ
ajfti-4554	59	10	that	that	DET
ajfti-4554	59	11	frequent	frequent	ADJ
ajfti-4554	59	12	transaction	transaction	NOUN
ajfti-4554	59	13	failures	failure	NOUN
ajfti-4554	59	14	,	,	PUNCT
ajfti-4554	59	15	unreliable	unreliable	ADJ
ajfti-4554	59	16	network	network	NOUN
ajfti-4554	59	17	infrastructure	infrastructure	NOUN
ajfti-4554	59	18	and	and	CCONJ
ajfti-4554	59	19	fraudulent	fraudulent	ADJ
ajfti-4554	59	20	activities	activity	NOUN
ajfti-4554	59	21	slow	slow	VERB
ajfti-4554	59	22	down	down	ADP
ajfti-4554	59	23	adoption	adoption	NOUN
ajfti-4554	59	24	rates	rate	NOUN
ajfti-4554	59	25	(	(	PUNCT
ajfti-4554	59	26	oyewole	oyewole	NOUN
ajfti-4554	59	27	et	et	PROPN
ajfti-4554	59	28	al	al	PROPN
ajfti-4554	59	29	.	.	PROPN
ajfti-4554	59	30	,	,	PUNCT
ajfti-4554	59	31	2024	2024	NUM
ajfti-4554	59	32	)	)	PUNCT
ajfti-4554	59	33	.	.	PUNCT
ajfti-4554	60	1	addressing	address	VERB
ajfti-4554	60	2	concerns	concern	NOUN
ajfti-4554	60	3	in	in	ADP
ajfti-4554	60	4	this	this	DET
ajfti-4554	60	5	area	area	NOUN
ajfti-4554	60	6	involves	involve	VERB
ajfti-4554	60	7	consumer	consumer	NOUN
ajfti-4554	60	8	awareness	awareness	NOUN
ajfti-4554	60	9	programs	program	NOUN
ajfti-4554	60	10	focused	focus	VERB
ajfti-4554	60	11	on	on	ADP
ajfti-4554	60	12	the	the	DET
ajfti-4554	60	13	problem	problem	NOUN
ajfti-4554	60	14	,	,	PUNCT
ajfti-4554	60	15	and	and	CCONJ
ajfti-4554	60	16	increased	increase	VERB
ajfti-4554	60	17	enforcement	enforcement	NOUN
ajfti-4554	60	18	of	of	ADP
ajfti-4554	60	19	cybersecurity	cybersecurity	NOUN
ajfti-4554	60	20	.	.	PUNCT
ajfti-4554	61	1	however	however	ADV
ajfti-4554	61	2	,	,	PUNCT
ajfti-4554	61	3	there	there	PRON
ajfti-4554	61	4	has	have	AUX
ajfti-4554	61	5	been	be	AUX
ajfti-4554	61	6	extensive	extensive	ADJ
ajfti-4554	61	7	research	research	NOUN
ajfti-4554	61	8	on	on	ADP
ajfti-4554	61	9	contactless	contactless	NOUN
ajfti-4554	61	10	payments	payment	NOUN
ajfti-4554	61	11	and	and	CCONJ
ajfti-4554	61	12	a	a	DET
ajfti-4554	61	13	number	number	NOUN
ajfti-4554	61	14	of	of	ADP
ajfti-4554	61	15	gaps	gap	NOUN
ajfti-4554	61	16	still	still	ADV
ajfti-4554	61	17	remain	remain	VERB
ajfti-4554	61	18	.	.	PUNCT
ajfti-4554	62	1	while	while	SCONJ
ajfti-4554	62	2	there	there	PRON
ajfti-4554	62	3	are	be	VERB
ajfti-4554	62	4	studies	study	NOUN
ajfti-4554	62	5	on	on	ADP
ajfti-4554	62	6	adoption	adoption	NOUN
ajfti-4554	62	7	trends	trend	NOUN
ajfti-4554	62	8	of	of	ADP
ajfti-4554	62	9	cybersecurity	cybersecurity	NOUN
ajfti-4554	62	10	threats	threat	NOUN
ajfti-4554	62	11	,	,	PUNCT
ajfti-4554	62	12	there	there	PRON
ajfti-4554	62	13	is	be	VERB
ajfti-4554	62	14	little	little	ADJ
ajfti-4554	62	15	research	research	NOUN
ajfti-4554	62	16	on	on	ADP
ajfti-4554	62	17	how	how	SCONJ
ajfti-4554	62	18	long	long	ADJ
ajfti-4554	62	19	-	-	PUNCT
ajfti-4554	62	20	term	term	NOUN
ajfti-4554	62	21	cybersecurity	cybersecurity	NOUN
ajfti-4554	62	22	threats	threat	NOUN
ajfti-4554	62	23	affect	affect	VERB
ajfti-4554	62	24	consumer	consumer	NOUN
ajfti-4554	62	25	trust	trust	NOUN
ajfti-4554	62	26	.	.	PUNCT
ajfti-4554	63	1	moreover	moreover	ADV
ajfti-4554	63	2	,	,	PUNCT
ajfti-4554	63	3	design	design	NOUN
ajfti-4554	63	4	of	of	ADP
ajfti-4554	63	5	the	the	DET
ajfti-4554	63	6	emerging	emerge	VERB
ajfti-4554	63	7	technologies	technology	NOUN
ajfti-4554	63	8	such	such	ADJ
ajfti-4554	63	9	as	as	ADP
ajfti-4554	63	10	blockchain	blockchain	NOUN
ajfti-4554	63	11	and	and	CCONJ
ajfti-4554	63	12	ai	ai	VERB
ajfti-4554	63	13	into	into	ADP
ajfti-4554	63	14	secure	secure	ADJ
ajfti-4554	63	15	digital	digital	ADJ
ajfti-4554	63	16	payments	payment	NOUN
ajfti-4554	63	17	also	also	ADV
ajfti-4554	63	18	needs	need	VERB
ajfti-4554	63	19	more	more	ADJ
ajfti-4554	63	20	work	work	NOUN
ajfti-4554	63	21	.	.	PUNCT
ajfti-4554	64	1	standardizing	standardize	VERB
ajfti-4554	64	2	of	of	ADP
ajfti-4554	64	3	cybersecurity	cybersecurity	NOUN
ajfti-4554	64	4	regulations	regulation	NOUN
ajfti-4554	64	5	across	across	ADP
ajfti-4554	64	6	global	global	ADJ
ajfti-4554	64	7	markets	market	NOUN
ajfti-4554	64	8	is	be	AUX
ajfti-4554	64	9	still	still	ADV
ajfti-4554	64	10	an	an	DET
ajfti-4554	64	11	issue	issue	NOUN
ajfti-4554	64	12	of	of	ADP
ajfti-4554	64	13	ensuring	ensure	VERB
ajfti-4554	64	14	long	long	ADJ
ajfti-4554	64	15	term	term	NOUN
ajfti-4554	64	16	of	of	ADP
ajfti-4554	64	17	success	success	NOUN
ajfti-4554	64	18	of	of	ADP
ajfti-4554	64	19	contactless	contactless	NOUN
ajfti-4554	64	20	payments	payment	NOUN
ajfti-4554	64	21	.	.	PUNCT
ajfti-4554	65	1	theoretical	theoretical	ADJ
ajfti-4554	65	2	background	background	NOUN
ajfti-4554	65	3	:	:	PUNCT
ajfti-4554	65	4	technology	technology	NOUN
ajfti-4554	65	5	acceptance	acceptance	NOUN
ajfti-4554	65	6	model	model	NOUN
ajfti-4554	65	7	(	(	PUNCT
ajfti-4554	65	8	tam	tam	PROPN
ajfti-4554	65	9	)	)	PUNCT
ajfti-4554	65	10	the	the	DET
ajfti-4554	65	11	technology	technology	NOUN
ajfti-4554	65	12	acceptance	acceptance	NOUN
ajfti-4554	65	13	model	model	NOUN
ajfti-4554	65	14	(	(	PUNCT
ajfti-4554	65	15	tam	tam	PROPN
ajfti-4554	65	16	)	)	PUNCT
ajfti-4554	65	17	is	be	AUX
ajfti-4554	65	18	a	a	DET
ajfti-4554	65	19	predominant	predominant	ADJ
ajfti-4554	65	20	framework	framework	NOUN
ajfti-4554	65	21	that	that	PRON
ajfti-4554	65	22	helps	help	VERB
ajfti-4554	65	23	to	to	PART
ajfti-4554	65	24	understand	understand	VERB
ajfti-4554	65	25	pa	pa	PROPN
ajfti-4554	65	26	ge	ge	PROPN
ajfti-4554	65	27	83	83	NUM
ajfti-4554	65	28	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-4554	65	29	am	be	AUX
ajfti-4554	65	30	.	.	PUNCT
ajfti-4554	66	1	j.	j.	PROPN
ajfti-4554	66	2	financ	financ	PROPN
ajfti-4554	66	3	.	.	PUNCT
ajfti-4554	67	1	technol	technol	PROPN
ajfti-4554	67	2	.	.	PUNCT
ajfti-4554	67	3	innov	innov	PROPN
ajfti-4554	67	4	.	.	PUNCT
ajfti-4554	68	1	3(1	3(1	NUM
ajfti-4554	68	2	)	)	PUNCT
ajfti-4554	68	3	81	81	NUM
ajfti-4554	68	4	-	-	SYM
ajfti-4554	68	5	88	88	NUM
ajfti-4554	68	6	,	,	PUNCT
ajfti-4554	68	7	2025	2025	NUM
ajfti-4554	68	8	contactless	contactless	NOUN
ajfti-4554	68	9	payment	payment	NOUN
ajfti-4554	68	10	systems	system	NOUN
ajfti-4554	68	11	adoption	adoption	NOUN
ajfti-4554	68	12	at	at	ADP
ajfti-4554	68	13	emerging	emerge	VERB
ajfti-4554	68	14	and	and	CCONJ
ajfti-4554	68	15	developed	developed	ADJ
ajfti-4554	68	16	markets	market	NOUN
ajfti-4554	68	17	.	.	PUNCT
ajfti-4554	69	1	davis	davis	PROPN
ajfti-4554	69	2	(	(	PUNCT
ajfti-4554	69	3	1989	1989	NUM
ajfti-4554	69	4	)	)	PUNCT
ajfti-4554	69	5	introduced	introduce	VERB
ajfti-4554	69	6	tam	tam	NOUN
ajfti-4554	69	7	which	which	PRON
ajfti-4554	69	8	explains	explain	VERB
ajfti-4554	69	9	how	how	SCONJ
ajfti-4554	69	10	technology	technology	NOUN
ajfti-4554	69	11	adoption	adoption	NOUN
ajfti-4554	69	12	is	be	AUX
ajfti-4554	69	13	accomplished	accomplish	VERB
ajfti-4554	69	14	by	by	ADP
ajfti-4554	69	15	two	two	NUM
ajfti-4554	69	16	major	major	ADJ
ajfti-4554	69	17	constructs	construct	NOUN
ajfti-4554	69	18	namely	namely	ADV
ajfti-4554	69	19	,	,	PUNCT
ajfti-4554	69	20	perceived	perceive	VERB
ajfti-4554	69	21	usefulness	usefulness	NOUN
ajfti-4554	69	22	(	(	PUNCT
ajfti-4554	69	23	pu	pu	PROPN
ajfti-4554	69	24	)	)	PUNCT
ajfti-4554	69	25	and	and	CCONJ
ajfti-4554	69	26	perceived	perceive	VERB
ajfti-4554	69	27	ease	ease	NOUN
ajfti-4554	69	28	of	of	ADP
ajfti-4554	69	29	use	use	NOUN
ajfti-4554	69	30	(	(	PUNCT
ajfti-4554	69	31	peou	peou	ADV
ajfti-4554	69	32	)	)	PUNCT
ajfti-4554	69	33	(	(	PUNCT
ajfti-4554	69	34	ma	ma	PROPN
ajfti-4554	69	35	&	&	CCONJ
ajfti-4554	69	36	liu	liu	PROPN
ajfti-4554	69	37	,	,	PUNCT
ajfti-4554	69	38	2005	2005	NUM
ajfti-4554	69	39	)	)	PUNCT
ajfti-4554	69	40	.	.	PUNCT
ajfti-4554	70	1	users	user	NOUN
ajfti-4554	70	2	’	’	PART
ajfti-4554	70	3	attitudes	attitude	NOUN
ajfti-4554	70	4	and	and	CCONJ
ajfti-4554	70	5	behavioral	behavioral	ADJ
ajfti-4554	70	6	intentions	intention	NOUN
ajfti-4554	70	7	for	for	ADP
ajfti-4554	70	8	adopting	adopt	VERB
ajfti-4554	70	9	a	a	DET
ajfti-4554	70	10	new	new	ADJ
ajfti-4554	70	11	technology	technology	NOUN
ajfti-4554	70	12	are	be	AUX
ajfti-4554	70	13	determined	determine	VERB
ajfti-4554	70	14	by	by	ADP
ajfti-4554	70	15	these	these	DET
ajfti-4554	70	16	factors	factor	NOUN
ajfti-4554	70	17	.	.	PUNCT
ajfti-4554	71	1	perceived	perceive	VERB
ajfti-4554	71	2	usefulness	usefulness	NOUN
ajfti-4554	71	3	at	at	ADP
ajfti-4554	71	4	contactless	contactless	ADJ
ajfti-4554	71	5	payments	payment	NOUN
ajfti-4554	71	6	in	in	ADP
ajfti-4554	71	7	reference	reference	NOUN
ajfti-4554	71	8	to	to	ADP
ajfti-4554	71	9	the	the	DET
ajfti-4554	71	10	number	number	NOUN
ajfti-4554	71	11	of	of	ADP
ajfti-4554	71	12	users	user	NOUN
ajfti-4554	71	13	who	who	PRON
ajfti-4554	71	14	believe	believe	VERB
ajfti-4554	71	15	that	that	SCONJ
ajfti-4554	71	16	the	the	DET
ajfti-4554	71	17	technology	technology	NOUN
ajfti-4554	71	18	improves	improve	VERB
ajfti-4554	71	19	transaction	transaction	NOUN
ajfti-4554	71	20	speed	speed	NOUN
ajfti-4554	71	21	,	,	PUNCT
ajfti-4554	71	22	security	security	NOUN
ajfti-4554	71	23	and	and	CCONJ
ajfti-4554	71	24	convenience	convenience	NOUN
ajfti-4554	71	25	.	.	PUNCT
ajfti-4554	72	1	due	due	ADP
ajfti-4554	72	2	to	to	PART
ajfti-4554	72	3	smooth	smooth	VERB
ajfti-4554	72	4	interfacing	interface	VERB
ajfti-4554	72	5	with	with	ADP
ajfti-4554	72	6	financial	financial	ADJ
ajfti-4554	72	7	infrastructure	infrastructure	NOUN
ajfti-4554	72	8	in	in	ADP
ajfti-4554	72	9	developed	develop	VERB
ajfti-4554	72	10	markets	market	NOUN
ajfti-4554	72	11	,	,	PUNCT
ajfti-4554	72	12	where	where	SCONJ
ajfti-4554	72	13	digital	digital	ADJ
ajfti-4554	72	14	infrastructure	infrastructure	NOUN
ajfti-4554	72	15	is	be	AUX
ajfti-4554	72	16	developed	develop	VERB
ajfti-4554	72	17	,	,	PUNCT
ajfti-4554	72	18	pu	pu	PROPN
ajfti-4554	72	19	is	be	AUX
ajfti-4554	72	20	high	high	ADJ
ajfti-4554	72	21	.	.	PUNCT
ajfti-4554	73	1	for	for	ADP
ajfti-4554	73	2	instance	instance	NOUN
ajfti-4554	73	3	,	,	PUNCT
ajfti-4554	73	4	in	in	ADP
ajfti-4554	73	5	emerging	emerge	VERB
ajfti-4554	73	6	markets	market	NOUN
ajfti-4554	73	7	,	,	PUNCT
ajfti-4554	73	8	pu	pu	PROPN
ajfti-4554	73	9	may	may	AUX
ajfti-4554	73	10	be	be	AUX
ajfti-4554	73	11	subjected	subject	VERB
ajfti-4554	73	12	to	to	ADP
ajfti-4554	73	13	hurdles	hurdle	NOUN
ajfti-4554	73	14	including	include	VERB
ajfti-4554	73	15	poor	poor	ADJ
ajfti-4554	73	16	access	access	NOUN
ajfti-4554	73	17	to	to	ADP
ajfti-4554	73	18	banking	banking	NOUN
ajfti-4554	73	19	services	service	NOUN
ajfti-4554	73	20	,	,	PUNCT
ajfti-4554	73	21	inconsistency	inconsistency	NOUN
ajfti-4554	73	22	in	in	ADP
ajfti-4554	73	23	the	the	DET
ajfti-4554	73	24	regulation	regulation	NOUN
ajfti-4554	73	25	and	and	CCONJ
ajfti-4554	73	26	fourthly	fourthly	ADV
ajfti-4554	73	27	,	,	PUNCT
ajfti-4554	73	28	lower	low	ADJ
ajfti-4554	73	29	levels	level	NOUN
ajfti-4554	73	30	of	of	ADP
ajfti-4554	73	31	digital	digital	ADJ
ajfti-4554	73	32	literacy	literacy	NOUN
ajfti-4554	73	33	(	(	PUNCT
ajfti-4554	73	34	schorr	schorr	PROPN
ajfti-4554	73	35	,	,	PUNCT
ajfti-4554	73	36	2023	2023	NUM
ajfti-4554	73	37	)	)	PUNCT
ajfti-4554	73	38	.	.	PUNCT
ajfti-4554	74	1	ease	ease	NOUN
ajfti-4554	74	2	of	of	ADP
ajfti-4554	74	3	use	use	NOUN
ajfti-4554	74	4	is	be	AUX
ajfti-4554	74	5	perceived	perceive	VERB
ajfti-4554	74	6	in	in	ADP
ajfti-4554	74	7	how	how	SCONJ
ajfti-4554	74	8	easy	easy	ADJ
ajfti-4554	74	9	or	or	CCONJ
ajfti-4554	74	10	how	how	SCONJ
ajfti-4554	74	11	difficult	difficult	ADJ
ajfti-4554	74	12	users	user	NOUN
ajfti-4554	74	13	find	find	VERB
ajfti-4554	74	14	it	it	PRON
ajfti-4554	74	15	to	to	PART
ajfti-4554	74	16	use	use	VERB
ajfti-4554	74	17	the	the	DET
ajfti-4554	74	18	technology	technology	NOUN
ajfti-4554	74	19	.	.	PUNCT
ajfti-4554	75	1	hence	hence	ADV
ajfti-4554	75	2	,	,	PUNCT
ajfti-4554	75	3	perceived	perceive	VERB
ajfti-4554	75	4	ease	ease	NOUN
ajfti-4554	75	5	of	of	ADP
ajfti-4554	75	6	use	use	NOUN
ajfti-4554	75	7	(	(	PUNCT
ajfti-4554	75	8	peou	peou	ADV
ajfti-4554	75	9	)	)	PUNCT
ajfti-4554	75	10	is	be	AUX
ajfti-4554	75	11	projected	project	VERB
ajfti-4554	75	12	to	to	PART
ajfti-4554	75	13	positively	positively	ADV
ajfti-4554	75	14	influence	influence	VERB
ajfti-4554	75	15	individuals	individual	NOUN
ajfti-4554	75	16	’	'	PUNCT
ajfti-4554	75	17	behavioral	behavioral	ADJ
ajfti-4554	75	18	intention	intention	NOUN
ajfti-4554	75	19	to	to	PART
ajfti-4554	75	20	adopt	adopt	VERB
ajfti-4554	75	21	or	or	CCONJ
ajfti-4554	75	22	utilize	utilize	VERB
ajfti-4554	75	23	contactless	contactless	ADJ
ajfti-4554	75	24	payment	payment	NOUN
ajfti-4554	75	25	systems	system	NOUN
ajfti-4554	75	26	.	.	PUNCT
ajfti-4554	76	1	the	the	PRON
ajfti-4554	76	2	greater	great	ADJ
ajfti-4554	76	3	the	the	DET
ajfti-4554	76	4	ease	ease	NOUN
ajfti-4554	76	5	of	of	ADP
ajfti-4554	76	6	use	use	NOUN
ajfti-4554	76	7	of	of	ADP
ajfti-4554	76	8	the	the	DET
ajfti-4554	76	9	technology	technology	NOUN
ajfti-4554	76	10	,	,	PUNCT
ajfti-4554	76	11	the	the	PRON
ajfti-4554	76	12	more	more	ADV
ajfti-4554	76	13	likely	likely	ADJ
ajfti-4554	76	14	it	it	PRON
ajfti-4554	76	15	is	be	AUX
ajfti-4554	76	16	to	to	PART
ajfti-4554	76	17	become	become	VERB
ajfti-4554	76	18	the	the	DET
ajfti-4554	76	19	preferred	preferred	ADJ
ajfti-4554	76	20	payment	payment	NOUN
ajfti-4554	76	21	method	method	NOUN
ajfti-4554	76	22	for	for	ADP
ajfti-4554	76	23	customers	customer	NOUN
ajfti-4554	76	24	when	when	SCONJ
ajfti-4554	76	25	conducting	conduct	VERB
ajfti-4554	76	26	transactions	transaction	NOUN
ajfti-4554	76	27	(	(	PUNCT
ajfti-4554	76	28	park	park	NOUN
ajfti-4554	76	29	,	,	PUNCT
ajfti-4554	76	30	manalili	manalili	NOUN
ajfti-4554	76	31	,	,	PUNCT
ajfti-4554	76	32	magtoto	magtoto	NOUN
ajfti-4554	76	33	,	,	PUNCT
ajfti-4554	76	34	martinez	martinez	PROPN
ajfti-4554	76	35	,	,	PUNCT
ajfti-4554	76	36	solis	solis	PROPN
ajfti-4554	76	37	,	,	PUNCT
ajfti-4554	76	38	&	&	CCONJ
ajfti-4554	76	39	chua	chua	PROPN
ajfti-4554	76	40	,	,	PUNCT
ajfti-4554	76	41	2022	2022	NUM
ajfti-4554	76	42	)	)	PUNCT
ajfti-4554	76	43	.	.	PUNCT
ajfti-4554	77	1	regions	region	NOUN
ajfti-4554	77	2	where	where	SCONJ
ajfti-4554	77	3	contactless	contactless	NOUN
ajfti-4554	77	4	transactions	transaction	NOUN
ajfti-4554	77	5	are	be	AUX
ajfti-4554	77	6	natural	natural	ADJ
ajfti-4554	77	7	and	and	CCONJ
ajfti-4554	77	8	easy	easy	ADJ
ajfti-4554	77	9	are	be	AUX
ajfti-4554	77	10	the	the	DET
ajfti-4554	77	11	ones	one	NOUN
ajfti-4554	77	12	with	with	ADP
ajfti-4554	77	13	a	a	DET
ajfti-4554	77	14	higher	high	ADJ
ajfti-4554	77	15	peou	peou	NOUN
ajfti-4554	77	16	and	and	CCONJ
ajfti-4554	77	17	adoption	adoption	NOUN
ajfti-4554	77	18	.	.	PUNCT
ajfti-4554	78	1	however	however	ADV
ajfti-4554	78	2	,	,	PUNCT
ajfti-4554	78	3	in	in	ADP
ajfti-4554	78	4	emerging	emerge	VERB
ajfti-4554	78	5	economies	economy	NOUN
ajfti-4554	78	6	,	,	PUNCT
ajfti-4554	78	7	technical	technical	ADJ
ajfti-4554	78	8	difficulty	difficulty	NOUN
ajfti-4554	78	9	,	,	PUNCT
ajfti-4554	78	10	fraud	fraud	NOUN
ajfti-4554	78	11	fear	fear	NOUN
ajfti-4554	78	12	and	and	CCONJ
ajfti-4554	78	13	low	low	ADJ
ajfti-4554	78	14	levels	level	NOUN
ajfti-4554	78	15	of	of	ADP
ajfti-4554	78	16	consumer	consumer	NOUN
ajfti-4554	78	17	awareness	awareness	NOUN
ajfti-4554	78	18	conspire	conspire	VERB
ajfti-4554	78	19	against	against	ADP
ajfti-4554	78	20	low	low	ADJ
ajfti-4554	78	21	use	use	NOUN
ajfti-4554	78	22	ease	ease	NOUN
ajfti-4554	78	23	,	,	PUNCT
ajfti-4554	78	24	thus	thus	ADV
ajfti-4554	78	25	reducing	reduce	VERB
ajfti-4554	78	26	adoption	adoption	NOUN
ajfti-4554	78	27	rates	rate	NOUN
ajfti-4554	78	28	(	(	PUNCT
ajfti-4554	78	29	fathema	fathema	NOUN
ajfti-4554	78	30	et	et	PROPN
ajfti-4554	78	31	al	al	PROPN
ajfti-4554	78	32	.	.	PROPN
ajfti-4554	78	33	,	,	PUNCT
ajfti-4554	78	34	2015	2015	NUM
ajfti-4554	78	35	)	)	PUNCT
ajfti-4554	78	36	.	.	PUNCT
ajfti-4554	79	1	furthermore	furthermore	ADV
ajfti-4554	79	2	,	,	PUNCT
ajfti-4554	79	3	pu	pu	PROPN
ajfti-4554	79	4	and	and	CCONJ
ajfti-4554	79	5	peou	peou	PROPN
ajfti-4554	79	6	are	be	AUX
ajfti-4554	79	7	influenced	influence	VERB
ajfti-4554	79	8	by	by	ADP
ajfti-4554	79	9	the	the	DET
ajfti-4554	79	10	adoption	adoption	NOUN
ajfti-4554	79	11	behaviors	behavior	NOUN
ajfti-4554	79	12	in	in	ADP
ajfti-4554	79	13	different	different	ADJ
ajfti-4554	79	14	economic	economic	ADJ
ajfti-4554	79	15	contexts	context	NOUN
ajfti-4554	79	16	such	such	ADJ
ajfti-4554	79	17	as	as	ADP
ajfti-4554	79	18	factors	factor	NOUN
ajfti-4554	79	19	of	of	ADP
ajfti-4554	79	20	external	external	ADJ
ajfti-4554	79	21	nature	nature	NOUN
ajfti-4554	79	22	including	include	VERB
ajfti-4554	79	23	trust	trust	NOUN
ajfti-4554	79	24	in	in	ADP
ajfti-4554	79	25	digital	digital	ADJ
ajfti-4554	79	26	transactions	transaction	NOUN
ajfti-4554	79	27	,	,	PUNCT
ajfti-4554	79	28	regulatory	regulatory	ADJ
ajfti-4554	79	29	environments	environment	NOUN
ajfti-4554	79	30	and	and	CCONJ
ajfti-4554	79	31	security	security	NOUN
ajfti-4554	79	32	measures	measure	NOUN
ajfti-4554	79	33	(	(	PUNCT
ajfti-4554	79	34	marikyan	marikyan	NOUN
ajfti-4554	79	35	&	&	CCONJ
ajfti-4554	79	36	papagiannidis	papagiannidis	PROPN
ajfti-4554	79	37	,	,	PUNCT
ajfti-4554	79	38	2024	2024	NUM
ajfti-4554	79	39	)	)	PUNCT
ajfti-4554	79	40	.	.	PUNCT
ajfti-4554	80	1	tam	tam	PROPN
ajfti-4554	80	2	is	be	AUX
ajfti-4554	80	3	applied	apply	VERB
ajfti-4554	80	4	to	to	ADP
ajfti-4554	80	5	this	this	DET
ajfti-4554	80	6	study	study	NOUN
ajfti-4554	80	7	in	in	ADP
ajfti-4554	80	8	order	order	NOUN
ajfti-4554	80	9	to	to	PART
ajfti-4554	80	10	compare	compare	VERB
ajfti-4554	80	11	the	the	DET
ajfti-4554	80	12	adoption	adoption	NOUN
ajfti-4554	80	13	trends	trend	NOUN
ajfti-4554	80	14	of	of	ADP
ajfti-4554	80	15	contactless	contactless	ADJ
ajfti-4554	80	16	payment	payment	NOUN
ajfti-4554	80	17	in	in	ADP
ajfti-4554	80	18	developed	develop	VERB
ajfti-4554	80	19	and	and	CCONJ
ajfti-4554	80	20	emerging	emerge	VERB
ajfti-4554	80	21	markets	market	NOUN
ajfti-4554	80	22	,	,	PUNCT
ajfti-4554	80	23	and	and	CCONJ
ajfti-4554	80	24	to	to	PART
ajfti-4554	80	25	identify	identify	VERB
ajfti-4554	80	26	the	the	DET
ajfti-4554	80	27	distinctive	distinctive	ADJ
ajfti-4554	80	28	variables	variable	NOUN
ajfti-4554	80	29	that	that	PRON
ajfti-4554	80	30	promote	promote	VERB
ajfti-4554	80	31	or	or	CCONJ
ajfti-4554	80	32	obstruct	obstruct	VERB
ajfti-4554	80	33	acceptance	acceptance	NOUN
ajfti-4554	80	34	.	.	PUNCT
ajfti-4554	81	1	this	this	PRON
ajfti-4554	81	2	is	be	AUX
ajfti-4554	81	3	precisely	precisely	ADV
ajfti-4554	81	4	the	the	DET
ajfti-4554	81	5	reason	reason	NOUN
ajfti-4554	81	6	to	to	PART
ajfti-4554	81	7	understand	understand	VERB
ajfti-4554	81	8	these	these	DET
ajfti-4554	81	9	dynamics	dynamic	NOUN
ajfti-4554	81	10	for	for	ADP
ajfti-4554	81	11	fostering	foster	VERB
ajfti-4554	81	12	digital	digital	ADJ
ajfti-4554	81	13	financial	financial	ADJ
ajfti-4554	81	14	inclusion	inclusion	NOUN
ajfti-4554	81	15	and	and	CCONJ
ajfti-4554	81	16	sustainable	sustainable	ADJ
ajfti-4554	81	17	growth	growth	NOUN
ajfti-4554	81	18	of	of	ADP
ajfti-4554	81	19	the	the	DET
ajfti-4554	81	20	global	global	ADJ
ajfti-4554	81	21	payment	payment	NOUN
ajfti-4554	81	22	ecosystems	ecosystem	NOUN
ajfti-4554	81	23	.	.	PUNCT
ajfti-4554	82	1	materials	material	NOUN
ajfti-4554	82	2	and	and	CCONJ
ajfti-4554	82	3	methods	method	NOUN
ajfti-4554	82	4	search	search	NOUN
ajfti-4554	82	5	strategy	strategy	NOUN
ajfti-4554	82	6	and	and	CCONJ
ajfti-4554	82	7	study	study	NOUN
ajfti-4554	82	8	selection	selection	NOUN
ajfti-4554	82	9	a	a	DET
ajfti-4554	82	10	systematic	systematic	ADJ
ajfti-4554	82	11	literature	literature	NOUN
ajfti-4554	82	12	review	review	NOUN
ajfti-4554	82	13	approach	approach	NOUN
ajfti-4554	82	14	was	be	AUX
ajfti-4554	82	15	adopted	adopt	VERB
ajfti-4554	82	16	to	to	PART
ajfti-4554	82	17	analyze	analyze	VERB
ajfti-4554	82	18	the	the	DET
ajfti-4554	82	19	adoption	adoption	NOUN
ajfti-4554	82	20	of	of	ADP
ajfti-4554	82	21	contactless	contactless	ADJ
ajfti-4554	82	22	payments	payment	NOUN
ajfti-4554	82	23	in	in	ADP
ajfti-4554	82	24	emerging	emerge	VERB
ajfti-4554	82	25	and	and	CCONJ
ajfti-4554	82	26	developed	developed	ADJ
ajfti-4554	82	27	markets	market	NOUN
ajfti-4554	82	28	.	.	PUNCT
ajfti-4554	83	1	academic	academic	ADJ
ajfti-4554	83	2	databases	database	NOUN
ajfti-4554	83	3	such	such	ADJ
ajfti-4554	83	4	as	as	ADP
ajfti-4554	83	5	scopus	scopus	NOUN
ajfti-4554	83	6	,	,	PUNCT
ajfti-4554	83	7	google	google	PROPN
ajfti-4554	83	8	scholar	scholar	NOUN
ajfti-4554	83	9	and	and	CCONJ
ajfti-4554	83	10	pubmed	pubmed	PROPN
ajfti-4554	83	11	were	be	AUX
ajfti-4554	83	12	used	use	VERB
ajfti-4554	83	13	in	in	ADP
ajfti-4554	83	14	order	order	NOUN
ajfti-4554	83	15	to	to	PART
ajfti-4554	83	16	perform	perform	VERB
ajfti-4554	83	17	a	a	DET
ajfti-4554	83	18	rigorous	rigorous	ADJ
ajfti-4554	83	19	search	search	NOUN
ajfti-4554	83	20	strategy	strategy	NOUN
ajfti-4554	83	21	in	in	ADP
ajfti-4554	83	22	order	order	NOUN
ajfti-4554	83	23	to	to	PART
ajfti-4554	83	24	find	find	VERB
ajfti-4554	83	25	relevant	relevant	ADJ
ajfti-4554	83	26	literature	literature	NOUN
ajfti-4554	83	27	.	.	PUNCT
ajfti-4554	84	1	the	the	DET
ajfti-4554	84	2	choice	choice	NOUN
ajfti-4554	84	3	of	of	ADP
ajfti-4554	84	4	these	these	DET
ajfti-4554	84	5	databases	database	NOUN
ajfti-4554	84	6	is	be	AUX
ajfti-4554	84	7	due	due	ADJ
ajfti-4554	84	8	to	to	ADP
ajfti-4554	84	9	their	their	PRON
ajfti-4554	84	10	large	large	ADJ
ajfti-4554	84	11	coverage	coverage	NOUN
ajfti-4554	84	12	of	of	ADP
ajfti-4554	84	13	peer	peer	NOUN
ajfti-4554	84	14	-	-	PUNCT
ajfti-4554	84	15	reviewed	review	VERB
ajfti-4554	84	16	journal	journal	NOUN
ajfti-4554	84	17	articles	article	NOUN
ajfti-4554	84	18	,	,	PUNCT
ajfti-4554	84	19	conference	conference	NOUN
ajfti-4554	84	20	papers	paper	NOUN
ajfti-4554	84	21	,	,	PUNCT
ajfti-4554	84	22	and	and	CCONJ
ajfti-4554	84	23	industry	industry	NOUN
ajfti-4554	84	24	reports	report	NOUN
ajfti-4554	84	25	.	.	PUNCT
ajfti-4554	85	1	as	as	SCONJ
ajfti-4554	85	2	the	the	DET
ajfti-4554	85	3	digital	digital	ADJ
ajfti-4554	85	4	payments	payment	NOUN
ajfti-4554	85	5	technology	technology	NOUN
ajfti-4554	85	6	is	be	AUX
ajfti-4554	85	7	evolving	evolve	VERB
ajfti-4554	85	8	at	at	ADP
ajfti-4554	85	9	a	a	DET
ajfti-4554	85	10	rapid	rapid	ADJ
ajfti-4554	85	11	rate	rate	NOUN
ajfti-4554	85	12	,	,	PUNCT
ajfti-4554	85	13	articles	article	NOUN
ajfti-4554	85	14	published	publish	VERB
ajfti-4554	85	15	between	between	ADP
ajfti-4554	85	16	2015	2015	NUM
ajfti-4554	85	17	and	and	CCONJ
ajfti-4554	85	18	2025	2025	NUM
ajfti-4554	85	19	were	be	AUX
ajfti-4554	85	20	only	only	ADV
ajfti-4554	85	21	included	include	VERB
ajfti-4554	85	22	to	to	PART
ajfti-4554	85	23	capture	capture	VERB
ajfti-4554	85	24	the	the	DET
ajfti-4554	85	25	latest	late	ADJ
ajfti-4554	85	26	trends	trend	NOUN
ajfti-4554	85	27	and	and	CCONJ
ajfti-4554	85	28	developments	development	NOUN
ajfti-4554	85	29	.	.	PUNCT
ajfti-4554	86	1	a	a	DET
ajfti-4554	86	2	combination	combination	NOUN
ajfti-4554	86	3	of	of	ADP
ajfti-4554	86	4	boolean	boolean	ADJ
ajfti-4554	86	5	operators	operator	NOUN
ajfti-4554	86	6	(	(	PUNCT
ajfti-4554	86	7	“	"	PUNCT
ajfti-4554	86	8	and	and	CCONJ
ajfti-4554	86	9	,	,	PUNCT
ajfti-4554	86	10	”	"	PUNCT
ajfti-4554	86	11	“	"	PUNCT
ajfti-4554	86	12	or	or	CCONJ
ajfti-4554	86	13	”	"	PUNCT
ajfti-4554	86	14	)	)	PUNCT
ajfti-4554	86	15	was	be	AUX
ajfti-4554	86	16	used	use	VERB
ajfti-4554	86	17	to	to	PART
ajfti-4554	86	18	refine	refine	VERB
ajfti-4554	86	19	the	the	DET
ajfti-4554	86	20	search	search	NOUN
ajfti-4554	86	21	,	,	PUNCT
ajfti-4554	86	22	incorporating	incorporate	VERB
ajfti-4554	86	23	key	key	ADJ
ajfti-4554	86	24	terms	term	NOUN
ajfti-4554	86	25	such	such	ADJ
ajfti-4554	86	26	as	as	ADP
ajfti-4554	86	27	“	"	PUNCT
ajfti-4554	86	28	contactless	contactless	NOUN
ajfti-4554	86	29	payments	payment	NOUN
ajfti-4554	86	30	,	,	PUNCT
ajfti-4554	86	31	”	"	PUNCT
ajfti-4554	86	32	“	"	PUNCT
ajfti-4554	86	33	digital	digital	ADJ
ajfti-4554	86	34	payment	payment	NOUN
ajfti-4554	86	35	adoption	adoption	NOUN
ajfti-4554	86	36	,	,	PUNCT
ajfti-4554	86	37	”	"	PUNCT
ajfti-4554	86	38	“	"	PUNCT
ajfti-4554	86	39	nfc	nfc	NOUN
ajfti-4554	86	40	transactions	transaction	NOUN
ajfti-4554	86	41	,	,	PUNCT
ajfti-4554	86	42	”	"	PUNCT
ajfti-4554	86	43	“	"	PUNCT
ajfti-4554	86	44	financial	financial	ADJ
ajfti-4554	86	45	inclusion	inclusion	NOUN
ajfti-4554	86	46	,	,	PUNCT
ajfti-4554	86	47	”	"	PUNCT
ajfti-4554	86	48	and	and	CCONJ
ajfti-4554	86	49	“	"	PUNCT
ajfti-4554	86	50	developed	develop	VERB
ajfti-4554	86	51	and	and	CCONJ
ajfti-4554	86	52	emerging	emerge	VERB
ajfti-4554	86	53	markets	market	NOUN
ajfti-4554	86	54	.	.	PUNCT
ajfti-4554	86	55	”	"	PUNCT
ajfti-4554	87	1	to	to	PART
ajfti-4554	87	2	maintain	maintain	VERB
ajfti-4554	87	3	consistency	consistency	NOUN
ajfti-4554	87	4	,	,	PUNCT
ajfti-4554	87	5	only	only	ADV
ajfti-4554	87	6	studies	study	NOUN
ajfti-4554	87	7	published	publish	VERB
ajfti-4554	87	8	in	in	ADP
ajfti-4554	87	9	english	english	PROPN
ajfti-4554	87	10	were	be	AUX
ajfti-4554	87	11	included	include	VERB
ajfti-4554	87	12	.	.	PUNCT
ajfti-4554	88	1	it	it	PRON
ajfti-4554	88	2	also	also	ADV
ajfti-4554	88	3	served	serve	VERB
ajfti-4554	88	4	to	to	PART
ajfti-4554	88	5	guarantee	guarantee	VERB
ajfti-4554	88	6	clarity	clarity	NOUN
ajfti-4554	88	7	in	in	ADP
ajfti-4554	88	8	the	the	DET
ajfti-4554	88	9	interpretation	interpretation	NOUN
ajfti-4554	88	10	and	and	CCONJ
ajfti-4554	88	11	comparative	comparative	ADJ
ajfti-4554	88	12	assessment	assessment	NOUN
ajfti-4554	88	13	of	of	ADP
ajfti-4554	88	14	findings	finding	NOUN
ajfti-4554	88	15	in	in	ADP
ajfti-4554	88	16	various	various	ADJ
ajfti-4554	88	17	economic	economic	ADJ
ajfti-4554	88	18	settings	setting	NOUN
ajfti-4554	88	19	.	.	PUNCT
ajfti-4554	89	1	the	the	DET
ajfti-4554	89	2	study	study	NOUN
ajfti-4554	89	3	selection	selection	NOUN
ajfti-4554	89	4	followed	follow	VERB
ajfti-4554	89	5	the	the	DET
ajfti-4554	89	6	prisma	prisma	NOUN
ajfti-4554	89	7	(	(	PUNCT
ajfti-4554	89	8	preferred	prefer	VERB
ajfti-4554	89	9	reporting	reporting	NOUN
ajfti-4554	89	10	items	item	NOUN
ajfti-4554	89	11	for	for	ADP
ajfti-4554	89	12	systematic	systematic	ADJ
ajfti-4554	89	13	reviews	review	NOUN
ajfti-4554	89	14	and	and	CCONJ
ajfti-4554	89	15	meta	meta	NOUN
ajfti-4554	89	16	-	-	PUNCT
ajfti-4554	89	17	analyses	analysis	NOUN
ajfti-4554	89	18	)	)	PUNCT
ajfti-4554	89	19	flow	flow	NOUN
ajfti-4554	89	20	strictly	strictly	ADV
ajfti-4554	89	21	to	to	PART
ajfti-4554	89	22	ensure	ensure	VERB
ajfti-4554	89	23	transparency	transparency	NOUN
ajfti-4554	89	24	and	and	CCONJ
ajfti-4554	89	25	avoid	avoid	VERB
ajfti-4554	89	26	selection	selection	NOUN
ajfti-4554	89	27	bias	bias	NOUN
ajfti-4554	89	28	.	.	PUNCT
ajfti-4554	90	1	it	it	PRON
ajfti-4554	90	2	consisted	consist	VERB
ajfti-4554	90	3	of	of	ADP
ajfti-4554	90	4	four	four	NUM
ajfti-4554	90	5	stages	stage	NOUN
ajfti-4554	90	6	,	,	PUNCT
ajfti-4554	90	7	namely	namely	ADV
ajfti-4554	90	8	identification	identification	NOUN
ajfti-4554	90	9	,	,	PUNCT
ajfti-4554	90	10	screening	screening	NOUN
ajfti-4554	90	11	,	,	PUNCT
ajfti-4554	90	12	eligibility	eligibility	NOUN
ajfti-4554	90	13	,	,	PUNCT
ajfti-4554	90	14	and	and	CCONJ
ajfti-4554	90	15	inclusion	inclusion	NOUN
ajfti-4554	90	16	.	.	PUNCT
ajfti-4554	91	1	initial	initial	ADJ
ajfti-4554	91	2	searches	search	NOUN
ajfti-4554	91	3	in	in	ADP
ajfti-4554	91	4	the	the	DET
ajfti-4554	91	5	identification	identification	NOUN
ajfti-4554	91	6	stage	stage	NOUN
ajfti-4554	91	7	produced	produce	VERB
ajfti-4554	91	8	a	a	DET
ajfti-4554	91	9	broad	broad	ADJ
ajfti-4554	91	10	range	range	NOUN
ajfti-4554	91	11	of	of	ADP
ajfti-4554	91	12	studies	study	NOUN
ajfti-4554	91	13	.	.	PUNCT
ajfti-4554	92	1	at	at	ADP
ajfti-4554	92	2	the	the	DET
ajfti-4554	92	3	screening	screening	NOUN
ajfti-4554	92	4	stage	stage	NOUN
ajfti-4554	92	5	,	,	PUNCT
ajfti-4554	92	6	titles	title	NOUN
ajfti-4554	92	7	and	and	CCONJ
ajfti-4554	92	8	abstracts	abstract	NOUN
ajfti-4554	92	9	of	of	ADP
ajfti-4554	92	10	the	the	DET
ajfti-4554	92	11	articles	article	NOUN
ajfti-4554	92	12	were	be	AUX
ajfti-4554	92	13	reviewed	review	VERB
ajfti-4554	92	14	to	to	PART
ajfti-4554	92	15	exclude	exclude	VERB
ajfti-4554	92	16	irrelevant	irrelevant	ADJ
ajfti-4554	92	17	articles	article	NOUN
ajfti-4554	92	18	.	.	PUNCT
ajfti-4554	93	1	second	second	ADJ
ajfti-4554	93	2	,	,	PUNCT
ajfti-4554	93	3	full	full	ADJ
ajfti-4554	93	4	-	-	PUNCT
ajfti-4554	93	5	text	text	NOUN
ajfti-4554	93	6	articles	article	NOUN
ajfti-4554	93	7	were	be	AUX
ajfti-4554	93	8	evaluated	evaluate	VERB
ajfti-4554	93	9	in	in	ADP
ajfti-4554	93	10	the	the	DET
ajfti-4554	93	11	eligibility	eligibility	NOUN
ajfti-4554	93	12	stage	stage	NOUN
ajfti-4554	93	13	in	in	ADP
ajfti-4554	93	14	terms	term	NOUN
ajfti-4554	93	15	of	of	ADP
ajfti-4554	93	16	their	their	PRON
ajfti-4554	93	17	congruence	congruence	NOUN
ajfti-4554	93	18	to	to	ADP
ajfti-4554	93	19	the	the	DET
ajfti-4554	93	20	research	research	NOUN
ajfti-4554	93	21	objectives	objective	NOUN
ajfti-4554	93	22	and	and	CCONJ
ajfti-4554	93	23	the	the	DET
ajfti-4554	93	24	methodological	methodological	ADJ
ajfti-4554	93	25	rigor	rigor	NOUN
ajfti-4554	93	26	.	.	PUNCT
ajfti-4554	94	1	inclusion	inclusion	NOUN
ajfti-4554	94	2	and	and	CCONJ
ajfti-4554	94	3	exclusion	exclusion	NOUN
ajfti-4554	94	4	criteria	criterion	NOUN
ajfti-4554	94	5	the	the	DET
ajfti-4554	94	6	review	review	NOUN
ajfti-4554	94	7	was	be	AUX
ajfti-4554	94	8	done	do	VERB
ajfti-4554	94	9	to	to	PART
ajfti-4554	94	10	ensure	ensure	VERB
ajfti-4554	94	11	its	its	PRON
ajfti-4554	94	12	credibility	credibility	NOUN
ajfti-4554	94	13	,	,	PUNCT
ajfti-4554	94	14	strict	strict	ADJ
ajfti-4554	94	15	inclusion	inclusion	NOUN
ajfti-4554	94	16	and	and	CCONJ
ajfti-4554	94	17	exclusion	exclusion	NOUN
ajfti-4554	94	18	criteria	criterion	NOUN
ajfti-4554	94	19	were	be	AUX
ajfti-4554	94	20	applied	apply	VERB
ajfti-4554	94	21	.	.	PUNCT
ajfti-4554	95	1	studies	study	NOUN
ajfti-4554	95	2	had	have	VERB
ajfti-4554	95	3	to	to	PART
ajfti-4554	95	4	be	be	AUX
ajfti-4554	95	5	published	publish	VERB
ajfti-4554	95	6	from	from	ADP
ajfti-4554	95	7	2015	2015	NUM
ajfti-4554	95	8	to	to	ADP
ajfti-4554	95	9	2025	2025	NUM
ajfti-4554	95	10	,	,	PUNCT
ajfti-4554	95	11	specifically	specifically	ADV
ajfti-4554	95	12	focus	focus	VERB
ajfti-4554	95	13	on	on	ADP
ajfti-4554	95	14	contactless	contactless	ADJ
ajfti-4554	95	15	payment	payment	NOUN
ajfti-4554	95	16	adoption	adoption	NOUN
ajfti-4554	95	17	,	,	PUNCT
ajfti-4554	95	18	and	and	CCONJ
ajfti-4554	95	19	provide	provide	VERB
ajfti-4554	95	20	insights	insight	NOUN
ajfti-4554	95	21	into	into	ADP
ajfti-4554	95	22	emerging	emerge	VERB
ajfti-4554	95	23	or	or	CCONJ
ajfti-4554	95	24	developed	developed	ADJ
ajfti-4554	95	25	markets	market	NOUN
ajfti-4554	95	26	.	.	PUNCT
ajfti-4554	96	1	to	to	PART
ajfti-4554	96	2	keep	keep	VERB
ajfti-4554	96	3	the	the	DET
ajfti-4554	96	4	evidence	evidence	NOUN
ajfti-4554	96	5	high	high	ADJ
ajfti-4554	96	6	,	,	PUNCT
ajfti-4554	96	7	only	only	ADV
ajfti-4554	96	8	peer	peer	NOUN
ajfti-4554	96	9	reviewed	review	VERB
ajfti-4554	96	10	journal	journal	NOUN
ajfti-4554	96	11	articles	article	NOUN
ajfti-4554	96	12	,	,	PUNCT
ajfti-4554	96	13	conference	conference	NOUN
ajfti-4554	96	14	papers	paper	NOUN
ajfti-4554	96	15	as	as	ADV
ajfti-4554	96	16	well	well	ADV
ajfti-4554	96	17	as	as	ADP
ajfti-4554	96	18	authoritative	authoritative	ADJ
ajfti-4554	96	19	industry	industry	NOUN
ajfti-4554	96	20	reports	report	NOUN
ajfti-4554	96	21	were	be	AUX
ajfti-4554	96	22	considered	consider	VERB
ajfti-4554	96	23	.	.	PUNCT
ajfti-4554	97	1	on	on	ADP
ajfti-4554	97	2	the	the	DET
ajfti-4554	97	3	other	other	ADJ
ajfti-4554	97	4	hand	hand	NOUN
ajfti-4554	97	5	,	,	PUNCT
ajfti-4554	97	6	studies	study	NOUN
ajfti-4554	97	7	that	that	PRON
ajfti-4554	97	8	did	do	AUX
ajfti-4554	97	9	not	not	PART
ajfti-4554	97	10	fit	fit	VERB
ajfti-4554	97	11	in	in	ADP
ajfti-4554	97	12	the	the	DET
ajfti-4554	97	13	objectives	objective	NOUN
ajfti-4554	97	14	of	of	ADP
ajfti-4554	97	15	the	the	DET
ajfti-4554	97	16	study	study	NOUN
ajfti-4554	97	17	were	be	AUX
ajfti-4554	97	18	excluded	exclude	VERB
ajfti-4554	97	19	as	as	SCONJ
ajfti-4554	97	20	they	they	PRON
ajfti-4554	97	21	were	be	AUX
ajfti-4554	97	22	the	the	DET
ajfti-4554	97	23	exclusion	exclusion	NOUN
ajfti-4554	97	24	criteria	criterion	NOUN
ajfti-4554	97	25	.	.	PUNCT
ajfti-4554	98	1	papers	paper	NOUN
ajfti-4554	98	2	focusing	focus	VERB
ajfti-4554	98	3	on	on	ADP
ajfti-4554	98	4	digital	digital	ADJ
ajfti-4554	98	5	banking	banking	NOUN
ajfti-4554	98	6	or	or	CCONJ
ajfti-4554	98	7	cashless	cashless	NOUN
ajfti-4554	98	8	policies	policy	NOUN
ajfti-4554	98	9	,	,	PUNCT
ajfti-4554	98	10	but	but	CCONJ
ajfti-4554	98	11	without	without	ADP
ajfti-4554	98	12	specific	specific	ADJ
ajfti-4554	98	13	focus	focus	NOUN
ajfti-4554	98	14	on	on	ADP
ajfti-4554	98	15	contactless	contactless	ADJ
ajfti-4554	98	16	payments	payment	NOUN
ajfti-4554	98	17	were	be	AUX
ajfti-4554	98	18	excluded	exclude	VERB
ajfti-4554	98	19	.	.	PUNCT
ajfti-4554	99	1	also	also	ADV
ajfti-4554	99	2	removed	remove	VERB
ajfti-4554	99	3	were	be	AUX
ajfti-4554	99	4	duplicate	duplicate	ADJ
ajfti-4554	99	5	studies	study	NOUN
ajfti-4554	99	6	and	and	CCONJ
ajfti-4554	99	7	articles	article	NOUN
ajfti-4554	99	8	that	that	PRON
ajfti-4554	99	9	were	be	AUX
ajfti-4554	99	10	without	without	ADP
ajfti-4554	99	11	a	a	DET
ajfti-4554	99	12	clear	clear	ADJ
ajfti-4554	99	13	methodological	methodological	ADJ
ajfti-4554	99	14	framework	framework	NOUN
ajfti-4554	99	15	.	.	PUNCT
ajfti-4554	100	1	the	the	DET
ajfti-4554	100	2	review	review	NOUN
ajfti-4554	100	3	applies	apply	VERB
ajfti-4554	100	4	these	these	DET
ajfti-4554	100	5	criteria	criterion	NOUN
ajfti-4554	100	6	to	to	PART
ajfti-4554	100	7	make	make	VERB
ajfti-4554	100	8	sure	sure	ADJ
ajfti-4554	100	9	that	that	SCONJ
ajfti-4554	100	10	only	only	ADV
ajfti-4554	100	11	good	good	ADJ
ajfti-4554	100	12	quality	quality	NOUN
ajfti-4554	100	13	,	,	PUNCT
ajfti-4554	100	14	relevant	relevant	ADJ
ajfti-4554	100	15	literature	literature	NOUN
ajfti-4554	100	16	is	be	AUX
ajfti-4554	100	17	used	use	VERB
ajfti-4554	100	18	in	in	ADP
ajfti-4554	100	19	the	the	DET
ajfti-4554	100	20	discussion	discussion	NOUN
ajfti-4554	100	21	.	.	PUNCT
ajfti-4554	101	1	data	datum	NOUN
ajfti-4554	101	2	extraction	extraction	NOUN
ajfti-4554	101	3	and	and	CCONJ
ajfti-4554	101	4	thematic	thematic	ADJ
ajfti-4554	101	5	analysis	analysis	NOUN
ajfti-4554	101	6	once	once	SCONJ
ajfti-4554	101	7	the	the	DET
ajfti-4554	101	8	selection	selection	NOUN
ajfti-4554	101	9	process	process	NOUN
ajfti-4554	101	10	ended	end	VERB
ajfti-4554	101	11	,	,	PUNCT
ajfti-4554	101	12	data	datum	NOUN
ajfti-4554	101	13	extraction	extraction	NOUN
ajfti-4554	101	14	was	be	AUX
ajfti-4554	101	15	done	do	VERB
ajfti-4554	101	16	to	to	PART
ajfti-4554	101	17	extract	extract	VERB
ajfti-4554	101	18	key	key	ADJ
ajfti-4554	101	19	insights	insight	NOUN
ajfti-4554	101	20	from	from	ADP
ajfti-4554	101	21	each	each	DET
ajfti-4554	101	22	study	study	NOUN
ajfti-4554	101	23	.	.	PUNCT
ajfti-4554	102	1	the	the	DET
ajfti-4554	102	2	data	datum	NOUN
ajfti-4554	102	3	was	be	AUX
ajfti-4554	102	4	extracted	extract	VERB
ajfti-4554	102	5	and	and	CCONJ
ajfti-4554	102	6	it	it	PRON
ajfti-4554	102	7	contained	contain	VERB
ajfti-4554	102	8	information	information	NOUN
ajfti-4554	102	9	about	about	ADP
ajfti-4554	102	10	study	study	NOUN
ajfti-4554	102	11	design	design	NOUN
ajfti-4554	102	12	,	,	PUNCT
ajfti-4554	102	13	geographical	geographical	ADJ
ajfti-4554	102	14	focus	focus	NOUN
ajfti-4554	102	15	,	,	PUNCT
ajfti-4554	102	16	technological	technological	ADJ
ajfti-4554	102	17	aspects	aspect	NOUN
ajfti-4554	102	18	,	,	PUNCT
ajfti-4554	102	19	regulatory	regulatory	ADJ
ajfti-4554	102	20	considerations	consideration	NOUN
ajfti-4554	102	21	and	and	CCONJ
ajfti-4554	102	22	barriers	barrier	NOUN
ajfti-4554	102	23	to	to	ADP
ajfti-4554	102	24	adoption	adoption	NOUN
ajfti-4554	102	25	.	.	PUNCT
ajfti-4554	103	1	systematically	systematically	ADV
ajfti-4554	103	2	organized	organize	VERB
ajfti-4554	103	3	,	,	PUNCT
ajfti-4554	103	4	these	these	DET
ajfti-4554	103	5	insights	insight	NOUN
ajfti-4554	103	6	were	be	AUX
ajfti-4554	103	7	arranged	arrange	VERB
ajfti-4554	103	8	so	so	SCONJ
ajfti-4554	103	9	that	that	SCONJ
ajfti-4554	103	10	they	they	PRON
ajfti-4554	103	11	could	could	AUX
ajfti-4554	103	12	be	be	AUX
ajfti-4554	103	13	compared	compare	VERB
ajfti-4554	103	14	.	.	PUNCT
ajfti-4554	104	1	findings	finding	NOUN
ajfti-4554	104	2	were	be	AUX
ajfti-4554	104	3	synthesized	synthesize	VERB
ajfti-4554	104	4	through	through	ADP
ajfti-4554	104	5	a	a	DET
ajfti-4554	104	6	thematic	thematic	ADJ
ajfti-4554	104	7	analysis	analysis	NOUN
ajfti-4554	104	8	approach	approach	NOUN
ajfti-4554	104	9	that	that	PRON
ajfti-4554	104	10	grouped	group	VERB
ajfti-4554	104	11	them	they	PRON
ajfti-4554	104	12	into	into	ADP
ajfti-4554	104	13	main	main	ADJ
ajfti-4554	104	14	themes	theme	NOUN
ajfti-4554	104	15	that	that	PRON
ajfti-4554	104	16	were	be	AUX
ajfti-4554	104	17	pertinent	pertinent	ADJ
ajfti-4554	104	18	to	to	ADP
ajfti-4554	104	19	contactless	contactless	ADJ
ajfti-4554	104	20	payment	payment	NOUN
ajfti-4554	104	21	adoption	adoption	NOUN
ajfti-4554	104	22	.	.	PUNCT
ajfti-4554	105	1	the	the	DET
ajfti-4554	105	2	method	method	NOUN
ajfti-4554	105	3	provides	provide	VERB
ajfti-4554	105	4	to	to	PART
ajfti-4554	105	5	identify	identify	VERB
ajfti-4554	105	6	recurring	recur	VERB
ajfti-4554	105	7	patterns	pattern	NOUN
ajfti-4554	105	8	and	and	CCONJ
ajfti-4554	105	9	key	key	NOUN
ajfti-4554	105	10	driving	drive	VERB
ajfti-4554	105	11	the	the	DET
ajfti-4554	105	12	adoption	adoption	NOUN
ajfti-4554	105	13	trends	trend	NOUN
ajfti-4554	105	14	in	in	ADP
ajfti-4554	105	15	both	both	DET
ajfti-4554	105	16	emerging	emerge	VERB
ajfti-4554	105	17	and	and	CCONJ
ajfti-4554	105	18	developed	developed	ADJ
ajfti-4554	105	19	markets	market	NOUN
ajfti-4554	105	20	.	.	PUNCT
ajfti-4554	106	1	in	in	ADP
ajfti-4554	106	2	later	later	ADJ
ajfti-4554	106	3	sections	section	NOUN
ajfti-4554	106	4	,	,	PUNCT
ajfti-4554	106	5	results	result	NOUN
ajfti-4554	106	6	of	of	ADP
ajfti-4554	106	7	the	the	DET
ajfti-4554	106	8	thematic	thematic	ADJ
ajfti-4554	106	9	analysis	analysis	NOUN
ajfti-4554	106	10	will	will	AUX
ajfti-4554	106	11	be	be	AUX
ajfti-4554	106	12	discussed	discuss	VERB
ajfti-4554	106	13	with	with	ADP
ajfti-4554	106	14	structured	structured	ADJ
ajfti-4554	106	15	comparison	comparison	NOUN
ajfti-4554	106	16	of	of	ADP
ajfti-4554	106	17	trends	trend	NOUN
ajfti-4554	106	18	in	in	ADP
ajfti-4554	106	19	adoption	adoption	NOUN
ajfti-4554	106	20	,	,	PUNCT
ajfti-4554	106	21	barriers	barrier	NOUN
ajfti-4554	106	22	and	and	CCONJ
ajfti-4554	106	23	enablers	enabler	NOUN
ajfti-4554	106	24	between	between	ADP
ajfti-4554	106	25	different	different	ADJ
ajfti-4554	106	26	economic	economic	ADJ
ajfti-4554	106	27	contexts	contexts	NOUN
ajfti-4554	106	28	.	.	PUNCT
ajfti-4554	107	1	results	result	NOUN
ajfti-4554	107	2	and	and	CCONJ
ajfti-4554	107	3	discussion	discussion	NOUN
ajfti-4554	107	4	adoption	adoption	NOUN
ajfti-4554	107	5	drivers	driver	NOUN
ajfti-4554	107	6	and	and	CCONJ
ajfti-4554	107	7	consumer	consumer	NOUN
ajfti-4554	107	8	behavior	behavior	NOUN
ajfti-4554	107	9	in	in	ADP
ajfti-4554	107	10	digital	digital	ADJ
ajfti-4554	107	11	payments	payment	NOUN
ajfti-4554	107	12	technological	technological	ADJ
ajfti-4554	107	13	advancement	advancement	NOUN
ajfti-4554	107	14	,	,	PUNCT
ajfti-4554	107	15	consumer	consumer	NOUN
ajfti-4554	107	16	trust	trust	NOUN
ajfti-4554	107	17	,	,	PUNCT
ajfti-4554	107	18	financial	financial	ADJ
ajfti-4554	107	19	pa	pa	PROPN
ajfti-4554	107	20	ge	ge	PROPN
ajfti-4554	107	21	84	84	NUM
ajfti-4554	107	22	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-4554	107	23	am	be	AUX
ajfti-4554	107	24	.	.	PUNCT
ajfti-4554	108	1	j.	j.	PROPN
ajfti-4554	108	2	financ	financ	PROPN
ajfti-4554	108	3	.	.	PUNCT
ajfti-4554	109	1	technol	technol	PROPN
ajfti-4554	109	2	.	.	PUNCT
ajfti-4554	109	3	innov	innov	PROPN
ajfti-4554	109	4	.	.	PUNCT
ajfti-4554	110	1	3(1	3(1	NUM
ajfti-4554	110	2	)	)	PUNCT
ajfti-4554	110	3	81	81	NUM
ajfti-4554	110	4	-	-	SYM
ajfti-4554	110	5	88	88	NUM
ajfti-4554	110	6	,	,	PUNCT
ajfti-4554	110	7	2025	2025	NUM
ajfti-4554	110	8	inclusion	inclusion	NOUN
ajfti-4554	110	9	and	and	CCONJ
ajfti-4554	110	10	regulatory	regulatory	ADJ
ajfti-4554	110	11	frameworks	framework	NOUN
ajfti-4554	110	12	are	be	AUX
ajfti-4554	110	13	driving	drive	VERB
ajfti-4554	110	14	forces	force	NOUN
ajfti-4554	110	15	for	for	ADP
ajfti-4554	110	16	adoption	adoption	NOUN
ajfti-4554	110	17	of	of	ADP
ajfti-4554	110	18	contactless	contactless	NOUN
ajfti-4554	110	19	payments	payment	NOUN
ajfti-4554	110	20	.	.	PUNCT
ajfti-4554	111	1	but	but	CCONJ
ajfti-4554	111	2	adoption	adoption	NOUN
ajfti-4554	111	3	patterns	pattern	NOUN
ajfti-4554	111	4	are	be	AUX
ajfti-4554	111	5	very	very	ADV
ajfti-4554	111	6	different	different	ADJ
ajfti-4554	111	7	between	between	ADP
ajfti-4554	111	8	developed	develop	VERB
ajfti-4554	111	9	and	and	CCONJ
ajfti-4554	111	10	emerging	emerge	VERB
ajfti-4554	111	11	markets	market	NOUN
ajfti-4554	111	12	.	.	PUNCT
ajfti-4554	112	1	strong	strong	ADJ
ajfti-4554	112	2	financial	financial	ADJ
ajfti-4554	112	3	infrastructure	infrastructure	NOUN
ajfti-4554	112	4	,	,	PUNCT
ajfti-4554	112	5	consumer	consumer	NOUN
ajfti-4554	112	6	trust	trust	NOUN
ajfti-4554	112	7	in	in	ADP
ajfti-4554	112	8	banking	banking	NOUN
ajfti-4554	112	9	systems	system	NOUN
ajfti-4554	112	10	and	and	CCONJ
ajfti-4554	112	11	strict	strict	ADJ
ajfti-4554	112	12	cybersecurity	cybersecurity	NOUN
ajfti-4554	112	13	framework	framework	NOUN
ajfti-4554	112	14	is	be	AUX
ajfti-4554	112	15	the	the	DET
ajfti-4554	112	16	reason	reason	NOUN
ajfti-4554	112	17	for	for	ADP
ajfti-4554	112	18	rapid	rapid	ADJ
ajfti-4554	112	19	adoption	adoption	NOUN
ajfti-4554	112	20	of	of	ADP
ajfti-4554	112	21	digital	digital	ADJ
ajfti-4554	112	22	payments	payment	NOUN
ajfti-4554	112	23	in	in	ADP
ajfti-4554	112	24	developed	develop	VERB
ajfti-4554	112	25	economies	economy	NOUN
ajfti-4554	112	26	(	(	PUNCT
ajfti-4554	112	27	bezhovski	bezhovski	NOUN
ajfti-4554	112	28	,	,	PUNCT
ajfti-4554	112	29	2016	2016	NUM
ajfti-4554	112	30	)	)	PUNCT
ajfti-4554	112	31	.	.	PUNCT
ajfti-4554	113	1	countries	country	NOUN
ajfti-4554	113	2	like	like	ADP
ajfti-4554	113	3	the	the	DET
ajfti-4554	113	4	uk	uk	PROPN
ajfti-4554	113	5	and	and	CCONJ
ajfti-4554	113	6	sweden	sweden	PROPN
ajfti-4554	113	7	have	have	VERB
ajfti-4554	113	8	almost	almost	ADV
ajfti-4554	113	9	full	full	ADJ
ajfti-4554	113	10	adoption	adoption	NOUN
ajfti-4554	113	11	of	of	ADP
ajfti-4554	113	12	mobile	mobile	ADJ
ajfti-4554	113	13	wallets	wallet	NOUN
ajfti-4554	113	14	and	and	CCONJ
ajfti-4554	113	15	cards	card	NOUN
ajfti-4554	113	16	that	that	PRON
ajfti-4554	113	17	can	can	AUX
ajfti-4554	113	18	be	be	AUX
ajfti-4554	113	19	used	use	VERB
ajfti-4554	113	20	with	with	ADP
ajfti-4554	113	21	nfc	nfc	NOUN
ajfti-4554	113	22	because	because	SCONJ
ajfti-4554	113	23	there	there	PRON
ajfti-4554	113	24	is	be	VERB
ajfti-4554	113	25	already	already	ADV
ajfti-4554	113	26	strong	strong	ADJ
ajfti-4554	113	27	regulatory	regulatory	ADJ
ajfti-4554	113	28	compliance	compliance	NOUN
ajfti-4554	113	29	plus	plus	CCONJ
ajfti-4554	113	30	easy	easy	ADJ
ajfti-4554	113	31	integration	integration	NOUN
ajfti-4554	113	32	into	into	ADP
ajfti-4554	113	33	existing	exist	VERB
ajfti-4554	113	34	financial	financial	ADJ
ajfti-4554	113	35	services	service	NOUN
ajfti-4554	113	36	.	.	PUNCT
ajfti-4554	114	1	loyalty	loyalty	NOUN
ajfti-4554	114	2	programs	program	NOUN
ajfti-4554	114	3	,	,	PUNCT
ajfti-4554	114	4	cashback	cashback	NOUN
ajfti-4554	114	5	offers	offer	NOUN
ajfti-4554	114	6	and	and	CCONJ
ajfti-4554	114	7	smart	smart	ADJ
ajfti-4554	114	8	device	device	NOUN
ajfti-4554	114	9	compatibility	compatibility	NOUN
ajfti-4554	114	10	are	be	AUX
ajfti-4554	114	11	further	further	ADJ
ajfti-4554	114	12	incentives	incentive	NOUN
ajfti-4554	114	13	to	to	ADP
ajfti-4554	114	14	adoption	adoption	NOUN
ajfti-4554	114	15	(	(	PUNCT
ajfti-4554	114	16	zehra	zehra	PROPN
ajfti-4554	114	17	et	et	PROPN
ajfti-4554	114	18	al	al	PROPN
ajfti-4554	114	19	.	.	PROPN
ajfti-4554	114	20	,	,	PUNCT
ajfti-4554	114	21	2024	2024	NUM
ajfti-4554	114	22	)	)	PUNCT
ajfti-4554	114	23	.	.	PUNCT
ajfti-4554	115	1	however	however	ADV
ajfti-4554	115	2	,	,	PUNCT
ajfti-4554	115	3	the	the	DET
ajfti-4554	115	4	digital	digital	ADJ
ajfti-4554	115	5	payment	payment	NOUN
ajfti-4554	115	6	adoption	adoption	NOUN
ajfti-4554	115	7	in	in	ADP
ajfti-4554	115	8	emerging	emerge	VERB
ajfti-4554	115	9	economies	economy	NOUN
ajfti-4554	115	10	is	be	AUX
ajfti-4554	115	11	predominantly	predominantly	ADV
ajfti-4554	115	12	necessity	necessity	NOUN
ajfti-4554	115	13	based	base	VERB
ajfti-4554	115	14	as	as	SCONJ
ajfti-4554	115	15	the	the	DET
ajfti-4554	115	16	underlying	underlie	VERB
ajfti-4554	115	17	drivers	driver	NOUN
ajfti-4554	115	18	include	include	VERB
ajfti-4554	115	19	financial	financial	ADJ
ajfti-4554	115	20	inclusion	inclusion	NOUN
ajfti-4554	115	21	initiatives	initiative	NOUN
ajfti-4554	115	22	as	as	ADV
ajfti-4554	115	23	well	well	ADV
ajfti-4554	115	24	as	as	ADP
ajfti-4554	115	25	the	the	DET
ajfti-4554	115	26	first	first	ADJ
ajfti-4554	115	27	mobile	mobile	ADJ
ajfti-4554	115	28	solutions	solution	NOUN
ajfti-4554	115	29	.	.	PUNCT
ajfti-4554	116	1	however	however	ADV
ajfti-4554	116	2	,	,	PUNCT
ajfti-4554	116	3	governments	government	NOUN
ajfti-4554	116	4	have	have	VERB
ajfti-4554	116	5	an	an	DET
ajfti-4554	116	6	important	important	ADJ
ajfti-4554	116	7	role	role	NOUN
ajfti-4554	116	8	to	to	PART
ajfti-4554	116	9	play	play	VERB
ajfti-4554	116	10	in	in	ADP
ajfti-4554	116	11	fostering	foster	VERB
ajfti-4554	116	12	digital	digital	ADJ
ajfti-4554	116	13	transactions	transaction	NOUN
ajfti-4554	116	14	,	,	PUNCT
ajfti-4554	116	15	especially	especially	ADV
ajfti-4554	116	16	via	via	ADP
ajfti-4554	116	17	low	low	ADJ
ajfti-4554	116	18	cost	cost	NOUN
ajfti-4554	116	19	and	and	CCONJ
ajfti-4554	116	20	easy	easy	ADJ
ajfti-4554	116	21	available	available	ADJ
ajfti-4554	116	22	payment	payment	NOUN
ajfti-4554	116	23	solutions	solution	NOUN
ajfti-4554	116	24	such	such	ADJ
ajfti-4554	116	25	as	as	ADP
ajfti-4554	116	26	qr	qr	PROPN
ajfti-4554	116	27	code	code	NOUN
ajfti-4554	116	28	payments	payment	NOUN
ajfti-4554	116	29	,	,	PUNCT
ajfti-4554	116	30	which	which	PRON
ajfti-4554	116	31	are	be	AUX
ajfti-4554	116	32	now	now	ADV
ajfti-4554	116	33	being	be	AUX
ajfti-4554	116	34	used	use	VERB
ajfti-4554	116	35	by	by	ADP
ajfti-4554	116	36	small	small	ADJ
ajfti-4554	116	37	businesses	business	NOUN
ajfti-4554	116	38	and	and	CCONJ
ajfti-4554	116	39	unbanked	unbanked	ADJ
ajfti-4554	116	40	populations	population	NOUN
ajfti-4554	116	41	(	(	PUNCT
ajfti-4554	116	42	mohammed	mohammed	PROPN
ajfti-4554	116	43	,	,	PUNCT
ajfti-4554	116	44	2025	2025	NUM
ajfti-4554	116	45	)	)	PUNCT
ajfti-4554	116	46	.	.	PUNCT
ajfti-4554	117	1	the	the	DET
ajfti-4554	117	2	unified	unify	VERB
ajfti-4554	117	3	payments	payment	NOUN
ajfti-4554	117	4	interface	interface	NOUN
ajfti-4554	117	5	(	(	PUNCT
ajfti-4554	117	6	upi	upi	PROPN
ajfti-4554	117	7	)	)	PUNCT
ajfti-4554	117	8	in	in	ADP
ajfti-4554	117	9	india	india	PROPN
ajfti-4554	117	10	has	have	AUX
ajfti-4554	117	11	had	have	VERB
ajfti-4554	117	12	a	a	DET
ajfti-4554	117	13	great	great	ADJ
ajfti-4554	117	14	deal	deal	NOUN
ajfti-4554	117	15	in	in	ADP
ajfti-4554	117	16	bridging	bridge	VERB
ajfti-4554	117	17	financial	financial	ADJ
ajfti-4554	117	18	gaps	gap	NOUN
ajfti-4554	117	19	,	,	PUNCT
ajfti-4554	117	20	and	and	CCONJ
ajfti-4554	117	21	thus	thus	ADV
ajfti-4554	117	22	play	play	VERB
ajfti-4554	117	23	a	a	DET
ajfti-4554	117	24	significant	significant	ADJ
ajfti-4554	117	25	role	role	NOUN
ajfti-4554	117	26	in	in	ADP
ajfti-4554	117	27	economic	economic	ADJ
ajfti-4554	117	28	participation	participation	NOUN
ajfti-4554	117	29	(	(	PUNCT
ajfti-4554	117	30	mishra	mishra	PROPN
ajfti-4554	117	31	et	et	PROPN
ajfti-4554	117	32	al	al	PROPN
ajfti-4554	117	33	.	.	PROPN
ajfti-4554	117	34	,	,	PUNCT
ajfti-4554	117	35	2024	2024	NUM
ajfti-4554	117	36	)	)	PUNCT
ajfti-4554	117	37	.	.	PUNCT
ajfti-4554	118	1	consumer	consumer	NOUN
ajfti-4554	118	2	behavior	behavior	NOUN
ajfti-4554	118	3	also	also	ADV
ajfti-4554	118	4	varies	vary	VERB
ajfti-4554	118	5	significantly	significantly	ADV
ajfti-4554	118	6	.	.	PUNCT
ajfti-4554	119	1	with	with	ADP
ajfti-4554	119	2	the	the	DET
ajfti-4554	119	3	convention	convention	NOUN
ajfti-4554	119	4	kingcover	kingcover	NOUN
ajfti-4554	119	5	,	,	PUNCT
ajfti-4554	119	6	a	a	DET
ajfti-4554	119	7	transaction	transaction	NOUN
ajfti-4554	119	8	of	of	ADP
ajfti-4554	119	9	500	500	NUM
ajfti-4554	119	10	coins	coin	NOUN
ajfti-4554	119	11	(	(	PUNCT
ajfti-4554	119	12	representing	represent	VERB
ajfti-4554	119	13	one	one	NUM
ajfti-4554	119	14	‘	'	PUNCT
ajfti-4554	119	15	kieu	kieu	NOUN
ajfti-4554	119	16	’	'	PUNCT
ajfti-4554	119	17	)	)	PUNCT
ajfti-4554	119	18	equates	equate	VERB
ajfti-4554	119	19	to	to	PART
ajfti-4554	119	20	t89k	t89k	VERB
ajfti-4554	119	21	,	,	PUNCT
ajfti-4554	119	22	or	or	CCONJ
ajfti-4554	119	23	89	89	NUM
ajfti-4554	119	24	standard	standard	ADJ
ajfti-4554	119	25	new	new	ADJ
ajfti-4554	119	26	south	south	ADJ
ajfti-4554	119	27	korean	korean	ADJ
ajfti-4554	119	28	banknotes	banknote	NOUN
ajfti-4554	119	29	,	,	PUNCT
ajfti-4554	119	30	depending	depend	VERB
ajfti-4554	119	31	on	on	ADP
ajfti-4554	119	32	the	the	DET
ajfti-4554	119	33	exchange	exchange	NOUN
ajfti-4554	119	34	rate	rate	NOUN
ajfti-4554	119	35	for	for	ADP
ajfti-4554	119	36	that	that	DET
ajfti-4554	119	37	day	day	NOUN
ajfti-4554	119	38	.	.	PUNCT
ajfti-4554	120	1	this	this	DET
ajfti-4554	120	2	arrangement	arrangement	NOUN
ajfti-4554	120	3	is	be	AUX
ajfti-4554	120	4	used	use	VERB
ajfti-4554	120	5	primarily	primarily	ADV
ajfti-4554	120	6	in	in	ADP
ajfti-4554	120	7	developed	develop	VERB
ajfti-4554	120	8	markets	market	NOUN
ajfti-4554	120	9	,	,	PUNCT
ajfti-4554	120	10	where	where	SCONJ
ajfti-4554	120	11	digital	digital	ADJ
ajfti-4554	120	12	payments	payment	NOUN
ajfti-4554	120	13	are	be	AUX
ajfti-4554	120	14	used	use	VERB
ajfti-4554	120	15	primarily	primarily	ADV
ajfti-4554	120	16	for	for	ADP
ajfti-4554	120	17	lifestyle	lifestyle	NOUN
ajfti-4554	120	18	convenience	convenience	NOUN
ajfti-4554	120	19	,	,	PUNCT
ajfti-4554	120	20	particularly	particularly	ADV
ajfti-4554	120	21	from	from	ADP
ajfti-4554	120	22	younger	young	ADJ
ajfti-4554	120	23	generations	generation	NOUN
ajfti-4554	120	24	that	that	PRON
ajfti-4554	120	25	like	like	ADP
ajfti-4554	120	26	embedded	embed	VERB
ajfti-4554	120	27	payment	payment	NOUN
ajfti-4554	120	28	systems	system	NOUN
ajfti-4554	120	29	and	and	CCONJ
ajfti-4554	120	30	existing	exist	VERB
ajfti-4554	120	31	spending	spending	NOUN
ajfti-4554	120	32	practices	practice	NOUN
ajfti-4554	120	33	(	(	PUNCT
ajfti-4554	120	34	demir	demir	PROPN
ajfti-4554	120	35	et	et	PROPN
ajfti-4554	120	36	al	al	PROPN
ajfti-4554	120	37	.	.	PROPN
ajfti-4554	120	38	,	,	PUNCT
ajfti-4554	120	39	2024	2024	NUM
ajfti-4554	120	40	)	)	PUNCT
ajfti-4554	120	41	.	.	PUNCT
ajfti-4554	121	1	factors	factor	NOUN
ajfti-4554	121	2	such	such	ADJ
ajfti-4554	121	3	as	as	ADP
ajfti-4554	121	4	smartphones	smartphone	NOUN
ajfti-4554	121	5	’	'	PUNCT
ajfti-4554	121	6	accessibility	accessibility	NOUN
ajfti-4554	121	7	,	,	PUNCT
ajfti-4554	121	8	the	the	DET
ajfti-4554	121	9	availability	availability	NOUN
ajfti-4554	121	10	of	of	ADP
ajfti-4554	121	11	internet	internet	NOUN
ajfti-4554	121	12	and	and	CCONJ
ajfti-4554	121	13	financial	financial	ADJ
ajfti-4554	121	14	security	security	NOUN
ajfti-4554	121	15	contribute	contribute	VERB
ajfti-4554	121	16	to	to	ADP
ajfti-4554	121	17	digital	digital	ADJ
ajfti-4554	121	18	transaction	transaction	NOUN
ajfti-4554	121	19	adoption	adoption	NOUN
ajfti-4554	121	20	(	(	PUNCT
ajfti-4554	121	21	kumar	kumar	PROPN
ajfti-4554	121	22	,	,	PUNCT
ajfti-4554	121	23	2024	2024	NUM
ajfti-4554	121	24	)	)	PUNCT
ajfti-4554	121	25	.	.	PUNCT
ajfti-4554	122	1	despite	despite	SCONJ
ajfti-4554	122	2	that	that	PRON
ajfti-4554	122	3	,	,	PUNCT
ajfti-4554	122	4	there	there	PRON
ajfti-4554	122	5	still	still	ADV
ajfti-4554	122	6	the	the	DET
ajfti-4554	122	7	cybersecurity	cybersecurity	NOUN
ajfti-4554	122	8	factor	factor	NOUN
ajfti-4554	122	9	that	that	PRON
ajfti-4554	122	10	influences	influence	VERB
ajfti-4554	122	11	consumer	consumer	NOUN
ajfti-4554	122	12	trust	trust	NOUN
ajfti-4554	122	13	:	:	PUNCT
ajfti-4554	122	14	growing	grow	VERB
ajfti-4554	122	15	concern	concern	NOUN
ajfti-4554	122	16	over	over	ADP
ajfti-4554	122	17	unauthorized	unauthorized	ADJ
ajfti-4554	122	18	data	datum	NOUN
ajfti-4554	122	19	access	access	NOUN
ajfti-4554	122	20	and	and	CCONJ
ajfti-4554	122	21	privacy	privacy	NOUN
ajfti-4554	122	22	issues	issue	NOUN
ajfti-4554	122	23	(	(	PUNCT
ajfti-4554	122	24	lathiya	lathiya	PROPN
ajfti-4554	122	25	&	&	CCONJ
ajfti-4554	122	26	wang	wang	PROPN
ajfti-4554	122	27	,	,	PUNCT
ajfti-4554	122	28	2021	2021	NUM
ajfti-4554	122	29	;	;	PUNCT
ajfti-4554	122	30	harkai	harkai	PROPN
ajfti-4554	122	31	,	,	PUNCT
ajfti-4554	122	32	2024	2024	NUM
ajfti-4554	122	33	)	)	PUNCT
ajfti-4554	122	34	.	.	PUNCT
ajfti-4554	123	1	in	in	ADP
ajfti-4554	123	2	emerging	emerge	VERB
ajfti-4554	123	3	markets	market	NOUN
ajfti-4554	123	4	,	,	PUNCT
ajfti-4554	123	5	digital	digital	ADJ
ajfti-4554	123	6	payments	payment	NOUN
ajfti-4554	123	7	are	be	AUX
ajfti-4554	123	8	a	a	DET
ajfti-4554	123	9	practical	practical	ADJ
ajfti-4554	123	10	alternative	alternative	NOUN
ajfti-4554	123	11	to	to	ADP
ajfti-4554	123	12	traditional	traditional	ADJ
ajfti-4554	123	13	banking	banking	NOUN
ajfti-4554	123	14	,	,	PUNCT
ajfti-4554	123	15	because	because	SCONJ
ajfti-4554	123	16	of	of	ADP
ajfti-4554	123	17	the	the	DET
ajfti-4554	123	18	lack	lack	NOUN
ajfti-4554	123	19	of	of	ADP
ajfti-4554	123	20	financial	financial	ADJ
ajfti-4554	123	21	constraints	constraint	NOUN
ajfti-4554	123	22	and	and	CCONJ
ajfti-4554	123	23	poor	poor	ADJ
ajfti-4554	123	24	banking	banking	NOUN
ajfti-4554	123	25	services	service	NOUN
ajfti-4554	123	26	.	.	PUNCT
ajfti-4554	124	1	however	however	ADV
ajfti-4554	124	2	,	,	PUNCT
ajfti-4554	124	3	the	the	DET
ajfti-4554	124	4	infrastructural	infrastructural	ADJ
ajfti-4554	124	5	weaknesses	weakness	NOUN
ajfti-4554	124	6	prevent	prevent	VERB
ajfti-4554	124	7	the	the	DET
ajfti-4554	124	8	widespread	widespread	ADJ
ajfti-4554	124	9	adoption	adoption	NOUN
ajfti-4554	124	10	of	of	ADP
ajfti-4554	124	11	mobile	mobile	ADJ
ajfti-4554	124	12	wallets	wallet	NOUN
ajfti-4554	124	13	as	as	SCONJ
ajfti-4554	124	14	they	they	PRON
ajfti-4554	124	15	enable	enable	VERB
ajfti-4554	124	16	the	the	DET
ajfti-4554	124	17	shift	shift	NOUN
ajfti-4554	124	18	from	from	ADP
ajfti-4554	124	19	cash	cash	NOUN
ajfti-4554	124	20	to	to	ADP
ajfti-4554	124	21	digital	digital	ADJ
ajfti-4554	124	22	transactions	transaction	NOUN
ajfti-4554	124	23	(	(	PUNCT
ajfti-4554	124	24	kumar	kumar	PROPN
ajfti-4554	124	25	,	,	PUNCT
ajfti-4554	124	26	2024	2024	NUM
ajfti-4554	124	27	)	)	PUNCT
ajfti-4554	124	28	.	.	PUNCT
ajfti-4554	125	1	the	the	DET
ajfti-4554	125	2	high	high	ADJ
ajfti-4554	125	3	rates	rate	NOUN
ajfti-4554	125	4	of	of	ADP
ajfti-4554	125	5	transaction	transaction	NOUN
ajfti-4554	125	6	failures	failure	NOUN
ajfti-4554	125	7	,	,	PUNCT
ajfti-4554	125	8	unreliability	unreliability	NOUN
ajfti-4554	125	9	of	of	ADP
ajfti-4554	125	10	the	the	DET
ajfti-4554	125	11	network	network	NOUN
ajfti-4554	125	12	and	and	CCONJ
ajfti-4554	125	13	fraudulent	fraudulent	ADJ
ajfti-4554	125	14	activities	activity	NOUN
ajfti-4554	125	15	bring	bring	VERB
ajfti-4554	125	16	about	about	ADP
ajfti-4554	125	17	high	high	ADJ
ajfti-4554	125	18	levels	level	NOUN
ajfti-4554	125	19	of	of	ADP
ajfti-4554	125	20	consumer	consumer	NOUN
ajfti-4554	125	21	mistrust	mistrust	NOUN
ajfti-4554	125	22	,	,	PUNCT
ajfti-4554	125	23	slowing	slow	VERB
ajfti-4554	125	24	adoption	adoption	NOUN
ajfti-4554	125	25	(	(	PUNCT
ajfti-4554	125	26	oyewole	oyewole	NOUN
ajfti-4554	125	27	et	et	PROPN
ajfti-4554	125	28	al	al	PROPN
ajfti-4554	125	29	.	.	PROPN
ajfti-4554	125	30	,	,	PUNCT
ajfti-4554	125	31	2024	2024	NUM
ajfti-4554	125	32	)	)	PUNCT
ajfti-4554	125	33	.	.	PUNCT
ajfti-4554	126	1	nevertheless	nevertheless	ADV
ajfti-4554	126	2	,	,	PUNCT
ajfti-4554	126	3	it	it	PRON
ajfti-4554	126	4	is	be	AUX
ajfti-4554	126	5	expected	expect	VERB
ajfti-4554	126	6	that	that	SCONJ
ajfti-4554	126	7	rising	rise	VERB
ajfti-4554	126	8	penetration	penetration	NOUN
ajfti-4554	126	9	of	of	ADP
ajfti-4554	126	10	smartphones	smartphone	NOUN
ajfti-4554	126	11	,	,	PUNCT
ajfti-4554	126	12	financial	financial	ADJ
ajfti-4554	126	13	literacy	literacy	NOUN
ajfti-4554	126	14	programs	program	NOUN
ajfti-4554	126	15	,	,	PUNCT
ajfti-4554	126	16	and	and	CCONJ
ajfti-4554	126	17	regulatory	regulatory	ADJ
ajfti-4554	126	18	improvements	improvement	NOUN
ajfti-4554	126	19	will	will	AUX
ajfti-4554	126	20	increase	increase	VERB
ajfti-4554	126	21	the	the	DET
ajfti-4554	126	22	velocity	velocity	NOUN
ajfti-4554	126	23	of	of	ADP
ajfti-4554	126	24	digital	digital	ADJ
ajfti-4554	126	25	payment	payment	NOUN
ajfti-4554	126	26	adoption	adoption	NOUN
ajfti-4554	126	27	.	.	PUNCT
ajfti-4554	127	1	a	a	DET
ajfti-4554	127	2	useful	useful	ADJ
ajfti-4554	127	3	model	model	NOUN
ajfti-4554	127	4	for	for	ADP
ajfti-4554	127	5	the	the	DET
ajfti-4554	127	6	analysis	analysis	NOUN
ajfti-4554	127	7	of	of	ADP
ajfti-4554	127	8	the	the	DET
ajfti-4554	127	9	adoption	adoption	NOUN
ajfti-4554	127	10	trends	trend	NOUN
ajfti-4554	127	11	is	be	AUX
ajfti-4554	127	12	technology	technology	NOUN
ajfti-4554	127	13	acceptance	acceptance	NOUN
ajfti-4554	127	14	model	model	NOUN
ajfti-4554	127	15	(	(	PUNCT
ajfti-4554	127	16	tam	tam	PROPN
ajfti-4554	127	17	)	)	PUNCT
ajfti-4554	127	18	.	.	PUNCT
ajfti-4554	128	1	the	the	DET
ajfti-4554	128	2	gain	gain	NOUN
ajfti-4554	128	3	in	in	ADP
ajfti-4554	128	4	pu	pu	PROPN
ajfti-4554	128	5	and	and	CCONJ
ajfti-4554	128	6	peou	peou	ADV
ajfti-4554	128	7	as	as	ADV
ajfti-4554	128	8	well	well	ADV
ajfti-4554	128	9	as	as	ADP
ajfti-4554	128	10	the	the	DET
ajfti-4554	128	11	reduction	reduction	NOUN
ajfti-4554	128	12	in	in	ADP
ajfti-4554	128	13	pau	pau	PROPN
ajfti-4554	128	14	for	for	ADP
ajfti-4554	128	15	digital	digital	ADJ
ajfti-4554	128	16	payments	payment	NOUN
ajfti-4554	128	17	is	be	AUX
ajfti-4554	128	18	greater	great	ADJ
ajfti-4554	128	19	in	in	ADP
ajfti-4554	128	20	developed	develop	VERB
ajfti-4554	128	21	economies	economy	NOUN
ajfti-4554	128	22	,	,	PUNCT
ajfti-4554	128	23	where	where	SCONJ
ajfti-4554	128	24	digital	digital	ADJ
ajfti-4554	128	25	payments	payment	NOUN
ajfti-4554	128	26	are	be	AUX
ajfti-4554	128	27	fully	fully	ADV
ajfti-4554	128	28	embedded	embed	VERB
ajfti-4554	128	29	in	in	ADP
ajfti-4554	128	30	the	the	DET
ajfti-4554	128	31	financial	financial	ADJ
ajfti-4554	128	32	system	system	NOUN
ajfti-4554	128	33	,	,	PUNCT
ajfti-4554	128	34	and	and	CCONJ
ajfti-4554	128	35	is	be	AUX
ajfti-4554	128	36	lower	low	ADJ
ajfti-4554	128	37	in	in	ADP
ajfti-4554	128	38	emerging	emerge	VERB
ajfti-4554	128	39	economies	economy	NOUN
ajfti-4554	128	40	where	where	SCONJ
ajfti-4554	128	41	digital	digital	ADJ
ajfti-4554	128	42	literacy	literacy	NOUN
ajfti-4554	128	43	is	be	AUX
ajfti-4554	128	44	low	low	ADJ
ajfti-4554	128	45	and	and	CCONJ
ajfti-4554	128	46	regulation	regulation	NOUN
ajfti-4554	128	47	policies	policy	NOUN
ajfti-4554	128	48	are	be	AUX
ajfti-4554	128	49	not	not	PART
ajfti-4554	128	50	reliable	reliable	ADJ
ajfti-4554	128	51	(	(	PUNCT
ajfti-4554	128	52	schorr	schorr	PROPN
ajfti-4554	128	53	,	,	PUNCT
ajfti-4554	128	54	2023	2023	NUM
ajfti-4554	128	55	)	)	PUNCT
ajfti-4554	128	56	.	.	PUNCT
ajfti-4554	129	1	as	as	SCONJ
ajfti-4554	129	2	the	the	DET
ajfti-4554	129	3	adoption	adoption	NOUN
ajfti-4554	129	4	of	of	ADP
ajfti-4554	129	5	digital	digital	ADJ
ajfti-4554	129	6	transactions	transaction	NOUN
ajfti-4554	129	7	continues	continue	VERB
ajfti-4554	129	8	to	to	PART
ajfti-4554	129	9	grow	grow	VERB
ajfti-4554	129	10	,	,	PUNCT
ajfti-4554	129	11	it	it	PRON
ajfti-4554	129	12	is	be	AUX
ajfti-4554	129	13	essential	essential	ADJ
ajfti-4554	129	14	to	to	PART
ajfti-4554	129	15	address	address	VERB
ajfti-4554	129	16	the	the	DET
ajfti-4554	129	17	need	need	NOUN
ajfti-4554	129	18	of	of	ADP
ajfti-4554	129	19	digital	digital	ADJ
ajfti-4554	129	20	transaction	transaction	NOUN
ajfti-4554	129	21	trust	trust	NOUN
ajfti-4554	129	22	which	which	PRON
ajfti-4554	129	23	is	be	AUX
ajfti-4554	129	24	crucial	crucial	ADJ
ajfti-4554	129	25	for	for	ADP
ajfti-4554	129	26	the	the	DET
ajfti-4554	129	27	adoption	adoption	NOUN
ajfti-4554	129	28	and	and	CCONJ
ajfti-4554	129	29	hence	hence	ADV
ajfti-4554	129	30	targeted	target	VERB
ajfti-4554	129	31	interventions	intervention	NOUN
ajfti-4554	129	32	should	should	AUX
ajfti-4554	129	33	be	be	AUX
ajfti-4554	129	34	made	make	VERB
ajfti-4554	129	35	to	to	PART
ajfti-4554	129	36	build	build	VERB
ajfti-4554	129	37	user	user	NOUN
ajfti-4554	129	38	confidence	confidence	NOUN
ajfti-4554	129	39	,	,	PUNCT
ajfti-4554	129	40	especially	especially	ADV
ajfti-4554	129	41	in	in	ADP
ajfti-4554	129	42	the	the	DET
ajfti-4554	129	43	case	case	NOUN
ajfti-4554	129	44	of	of	ADP
ajfti-4554	129	45	emerging	emerge	VERB
ajfti-4554	129	46	markets	market	NOUN
ajfti-4554	129	47	(	(	PUNCT
ajfti-4554	129	48	marikyan	marikyan	NOUN
ajfti-4554	129	49	&	&	CCONJ
ajfti-4554	129	50	papagiannidis	papagiannidis	PROPN
ajfti-4554	129	51	,	,	PUNCT
ajfti-4554	129	52	2024	2024	NUM
ajfti-4554	129	53	)	)	PUNCT
ajfti-4554	129	54	.	.	PUNCT
ajfti-4554	130	1	challenges	challenge	NOUN
ajfti-4554	130	2	and	and	CCONJ
ajfti-4554	130	3	barriers	barrier	NOUN
ajfti-4554	130	4	to	to	ADP
ajfti-4554	130	5	digital	digital	ADJ
ajfti-4554	130	6	payment	payment	NOUN
ajfti-4554	130	7	adoption	adoption	NOUN
ajfti-4554	130	8	while	while	SCONJ
ajfti-4554	130	9	contactless	contactless	ADJ
ajfti-4554	130	10	payments	payment	NOUN
ajfti-4554	130	11	offer	offer	VERB
ajfti-4554	130	12	a	a	DET
ajfti-4554	130	13	number	number	NOUN
ajfti-4554	130	14	of	of	ADP
ajfti-4554	130	15	advantages	advantage	NOUN
ajfti-4554	130	16	,	,	PUNCT
ajfti-4554	130	17	a	a	DET
ajfti-4554	130	18	few	few	ADJ
ajfti-4554	130	19	obstacles	obstacle	NOUN
ajfti-4554	130	20	prevent	prevent	VERB
ajfti-4554	130	21	its	its	PRON
ajfti-4554	130	22	adoption	adoption	NOUN
ajfti-4554	130	23	in	in	ADP
ajfti-4554	130	24	all	all	DET
ajfti-4554	130	25	markets	market	NOUN
ajfti-4554	130	26	,	,	PUNCT
ajfti-4554	130	27	especially	especially	ADV
ajfti-4554	130	28	in	in	ADP
ajfti-4554	130	29	the	the	DET
ajfti-4554	130	30	developing	develop	VERB
ajfti-4554	130	31	ones	one	NOUN
ajfti-4554	130	32	.	.	PUNCT
ajfti-4554	131	1	these	these	DET
ajfti-4554	131	2	barriers	barrier	NOUN
ajfti-4554	131	3	are	be	AUX
ajfti-4554	131	4	:	:	PUNCT
ajfti-4554	131	5	security	security	NOUN
ajfti-4554	131	6	concerns	concern	NOUN
ajfti-4554	131	7	;	;	PUNCT
ajfti-4554	131	8	regulatory	regulatory	ADJ
ajfti-4554	131	9	inconsistency	inconsistency	NOUN
ajfti-4554	131	10	;	;	PUNCT
ajfti-4554	131	11	and	and	CCONJ
ajfti-4554	131	12	infrastructure	infrastructure	NOUN
ajfti-4554	131	13	barrier	barrier	NOUN
ajfti-4554	131	14	.	.	PUNCT
ajfti-4554	132	1	major	major	ADJ
ajfti-4554	132	2	deterrents	deterrent	NOUN
ajfti-4554	132	3	to	to	ADP
ajfti-4554	132	4	cybersecurity	cybersecurity	NOUN
ajfti-4554	132	5	threats	threat	NOUN
ajfti-4554	132	6	are	be	AUX
ajfti-4554	132	7	in	in	ADP
ajfti-4554	132	8	both	both	CCONJ
ajfti-4554	132	9	developed	develop	VERB
ajfti-4554	132	10	and	and	CCONJ
ajfti-4554	132	11	emerging	emerge	VERB
ajfti-4554	132	12	economies	economy	NOUN
ajfti-4554	132	13	.	.	PUNCT
ajfti-4554	133	1	the	the	DET
ajfti-4554	133	2	digital	digital	ADJ
ajfti-4554	133	3	payment	payment	NOUN
ajfti-4554	133	4	platform	platform	NOUN
ajfti-4554	133	5	is	be	AUX
ajfti-4554	133	6	a	a	DET
ajfti-4554	133	7	high	high	ADJ
ajfti-4554	133	8	target	target	NOUN
ajfti-4554	133	9	to	to	PART
ajfti-4554	133	10	be	be	AUX
ajfti-4554	133	11	attacked	attack	VERB
ajfti-4554	133	12	with	with	ADP
ajfti-4554	133	13	fraud	fraud	NOUN
ajfti-4554	133	14	,	,	PUNCT
ajfti-4554	133	15	identity	identity	NOUN
ajfti-4554	133	16	theft	theft	NOUN
ajfti-4554	133	17	and	and	CCONJ
ajfti-4554	133	18	financial	financial	ADJ
ajfti-4554	133	19	data	datum	NOUN
ajfti-4554	133	20	breach	breach	NOUN
ajfti-4554	133	21	.	.	PUNCT
ajfti-4554	134	1	however	however	ADV
ajfti-4554	134	2	,	,	PUNCT
ajfti-4554	134	3	until	until	ADP
ajfti-4554	134	4	then	then	ADV
ajfti-4554	134	5	,	,	PUNCT
ajfti-4554	134	6	consumers	consumer	NOUN
ajfti-4554	134	7	are	be	AUX
ajfti-4554	134	8	reluctant	reluctant	ADJ
ajfti-4554	134	9	to	to	PART
ajfti-4554	134	10	embrace	embrace	VERB
ajfti-4554	134	11	digital	digital	ADJ
ajfti-4554	134	12	payments	payment	NOUN
ajfti-4554	134	13	because	because	SCONJ
ajfti-4554	134	14	they	they	PRON
ajfti-4554	134	15	assume	assume	VERB
ajfti-4554	134	16	them	they	PRON
ajfti-4554	134	17	to	to	PART
ajfti-4554	134	18	be	be	AUX
ajfti-4554	134	19	insecure	insecure	ADJ
ajfti-4554	134	20	(	(	PUNCT
ajfti-4554	134	21	karim	karim	PROPN
ajfti-4554	134	22	et	et	PROPN
ajfti-4554	134	23	al	al	PROPN
ajfti-4554	134	24	.	.	PROPN
ajfti-4554	134	25	,	,	PUNCT
ajfti-4554	134	26	2022	2022	NUM
ajfti-4554	134	27	)	)	PUNCT
ajfti-4554	134	28	.	.	PUNCT
ajfti-4554	135	1	in	in	ADP
ajfti-4554	135	2	the	the	DET
ajfti-4554	135	3	matter	matter	NOUN
ajfti-4554	135	4	of	of	ADP
ajfti-4554	135	5	developed	develop	VERB
ajfti-4554	135	6	markets	market	NOUN
ajfti-4554	135	7	,	,	PUNCT
ajfti-4554	135	8	regulations	regulation	NOUN
ajfti-4554	135	9	such	such	ADJ
ajfti-4554	135	10	as	as	ADP
ajfti-4554	135	11	the	the	DET
ajfti-4554	135	12	payment	payment	NOUN
ajfti-4554	135	13	services	service	NOUN
ajfti-4554	135	14	directive	directive	NOUN
ajfti-4554	135	15	2	2	NUM
ajfti-4554	135	16	(	(	PUNCT
ajfti-4554	135	17	psd2	psd2	PROPN
ajfti-4554	135	18	)	)	PUNCT
ajfti-4554	135	19	by	by	ADP
ajfti-4554	135	20	the	the	DET
ajfti-4554	135	21	european	european	PROPN
ajfti-4554	135	22	union	union	PROPN
ajfti-4554	135	23	forces	force	VERB
ajfti-4554	135	24	multi	multi	ADJ
ajfti-4554	135	25	factor	factor	NOUN
ajfti-4554	135	26	authentication	authentication	NOUN
ajfti-4554	135	27	(	(	PUNCT
ajfti-4554	135	28	mfa	mfa	PROPN
ajfti-4554	135	29	)	)	PUNCT
ajfti-4554	135	30	and	and	CCONJ
ajfti-4554	135	31	regardless	regardless	ADV
ajfti-4554	135	32	of	of	ADP
ajfti-4554	135	33	data	data	NOUN
ajfti-4554	135	34	protection	protection	NOUN
ajfti-4554	135	35	standards	standard	NOUN
ajfti-4554	135	36	,	,	PUNCT
ajfti-4554	135	37	and	and	CCONJ
ajfti-4554	135	38	so	so	ADV
ajfti-4554	135	39	improves	improve	VERB
ajfti-4554	135	40	consumer	consumer	NOUN
ajfti-4554	135	41	trust	trust	NOUN
ajfti-4554	135	42	(	(	PUNCT
ajfti-4554	135	43	putrevu	putrevu	NOUN
ajfti-4554	135	44	&	&	CCONJ
ajfti-4554	135	45	mertzanis	mertzanis	PROPN
ajfti-4554	135	46	,	,	PUNCT
ajfti-4554	135	47	2023	2023	NUM
ajfti-4554	135	48	)	)	PUNCT
ajfti-4554	135	49	.	.	PUNCT
ajfti-4554	136	1	however	however	ADV
ajfti-4554	136	2	,	,	PUNCT
ajfti-4554	136	3	such	such	ADJ
ajfti-4554	136	4	security	security	NOUN
ajfti-4554	136	5	measures	measure	NOUN
ajfti-4554	136	6	may	may	AUX
ajfti-4554	136	7	bring	bring	VERB
ajfti-4554	136	8	friction	friction	NOUN
ajfti-4554	136	9	into	into	ADP
ajfti-4554	136	10	the	the	DET
ajfti-4554	136	11	payment	payment	NOUN
ajfti-4554	136	12	process	process	NOUN
ajfti-4554	136	13	and	and	CCONJ
ajfti-4554	136	14	thus	thus	ADV
ajfti-4554	136	15	affect	affect	VERB
ajfti-4554	136	16	user	user	NOUN
ajfti-4554	136	17	experience	experience	NOUN
ajfti-4554	136	18	.	.	PUNCT
ajfti-4554	137	1	because	because	SCONJ
ajfti-4554	137	2	of	of	ADP
ajfti-4554	137	3	their	their	PRON
ajfti-4554	137	4	less	less	ADJ
ajfti-4554	137	5	regulation	regulation	NOUN
ajfti-4554	137	6	and	and	CCONJ
ajfti-4554	137	7	lower	low	ADJ
ajfti-4554	137	8	technological	technological	ADJ
ajfti-4554	137	9	literacy	literacy	NOUN
ajfti-4554	137	10	,	,	PUNCT
ajfti-4554	137	11	emerging	emerge	VERB
ajfti-4554	137	12	economies	economy	NOUN
ajfti-4554	137	13	have	have	VERB
ajfti-4554	137	14	more	more	ADV
ajfti-4554	137	15	sever	sever	VERB
ajfti-4554	137	16	cybersecurity	cybersecurity	NOUN
ajfti-4554	137	17	risks	risk	NOUN
ajfti-4554	137	18	.	.	PUNCT
ajfti-4554	138	1	these	these	DET
ajfti-4554	138	2	markets	market	NOUN
ajfti-4554	138	3	are	be	AUX
ajfti-4554	138	4	especially	especially	ADV
ajfti-4554	138	5	susceptible	susceptible	ADJ
ajfti-4554	138	6	to	to	ADP
ajfti-4554	138	7	hackers	hacker	NOUN
ajfti-4554	138	8	who	who	PRON
ajfti-4554	138	9	use	use	VERB
ajfti-4554	138	10	fraud	fraud	NOUN
ajfti-4554	138	11	,	,	PUNCT
ajfti-4554	138	12	phishing	phishe	VERB
ajfti-4554	138	13	attacks	attack	NOUN
ajfti-4554	138	14	and	and	CCONJ
ajfti-4554	138	15	identity	identity	NOUN
ajfti-4554	138	16	theft	theft	NOUN
ajfti-4554	138	17	(	(	PUNCT
ajfti-4554	138	18	oyewole	oyewole	NOUN
ajfti-4554	138	19	et	et	PROPN
ajfti-4554	138	20	al	al	PROPN
ajfti-4554	138	21	.	.	PROPN
ajfti-4554	138	22	,	,	PUNCT
ajfti-4554	138	23	2024	2024	NUM
ajfti-4554	138	24	)	)	PUNCT
ajfti-4554	138	25	to	to	PART
ajfti-4554	138	26	deceive	deceive	VERB
ajfti-4554	138	27	users	user	NOUN
ajfti-4554	138	28	.	.	PUNCT
ajfti-4554	139	1	high	high	ADJ
ajfti-4554	139	2	transaction	transaction	NOUN
ajfti-4554	139	3	failures	failure	NOUN
ajfti-4554	139	4	and	and	CCONJ
ajfti-4554	139	5	consumer	consumer	NOUN
ajfti-4554	139	6	distrust	distrust	NOUN
ajfti-4554	139	7	are	be	AUX
ajfti-4554	139	8	caused	cause	VERB
ajfti-4554	139	9	due	due	ADP
ajfti-4554	139	10	to	to	ADP
ajfti-4554	139	11	lack	lack	NOUN
ajfti-4554	139	12	of	of	ADP
ajfti-4554	139	13	standardized	standardized	ADJ
ajfti-4554	139	14	cybersecurity	cybersecurity	NOUN
ajfti-4554	139	15	protocols	protocol	NOUN
ajfti-4554	139	16	(	(	PUNCT
ajfti-4554	139	17	ahlawat	ahlawat	PROPN
ajfti-4554	139	18	&	&	CCONJ
ajfti-4554	139	19	gour	gour	PROPN
ajfti-4554	139	20	,	,	PUNCT
ajfti-4554	139	21	2024	2024	NUM
ajfti-4554	139	22	)	)	PUNCT
ajfti-4554	139	23	.	.	PUNCT
ajfti-4554	140	1	generally	generally	ADV
ajfti-4554	140	2	due	due	ADJ
ajfti-4554	140	3	to	to	ADP
ajfti-4554	140	4	lack	lack	NOUN
ajfti-4554	140	5	of	of	ADP
ajfti-4554	140	6	fraud	fraud	NOUN
ajfti-4554	140	7	prevention	prevention	NOUN
ajfti-4554	140	8	and	and	CCONJ
ajfti-4554	140	9	poor	poor	ADJ
ajfti-4554	140	10	dispute	dispute	NOUN
ajfti-4554	140	11	resolution	resolution	NOUN
ajfti-4554	140	12	,	,	PUNCT
ajfti-4554	140	13	financial	financial	ADJ
ajfti-4554	140	14	institutions	institution	NOUN
ajfti-4554	140	15	are	be	AUX
ajfti-4554	140	16	often	often	ADV
ajfti-4554	140	17	unwilling	unwilling	ADJ
ajfti-4554	140	18	to	to	PART
ajfti-4554	140	19	scale	scale	VERB
ajfti-4554	140	20	digital	digital	ADJ
ajfti-4554	140	21	payment	payment	NOUN
ajfti-4554	140	22	services	service	NOUN
ajfti-4554	140	23	.	.	PUNCT
ajfti-4554	141	1	the	the	DET
ajfti-4554	141	2	main	main	ADJ
ajfti-4554	141	3	barrier	barrier	NOUN
ajfti-4554	141	4	to	to	ADP
ajfti-4554	141	5	digital	digital	ADJ
ajfti-4554	141	6	payment	payment	NOUN
ajfti-4554	141	7	adoption	adoption	NOUN
ajfti-4554	141	8	that	that	PRON
ajfti-4554	141	9	is	be	AUX
ajfti-4554	141	10	seamless	seamless	ADJ
ajfti-4554	141	11	is	be	AUX
ajfti-4554	141	12	its	its	PRON
ajfti-4554	141	13	regulatory	regulatory	ADJ
ajfti-4554	141	14	inconsistencies	inconsistency	NOUN
ajfti-4554	141	15	.	.	PUNCT
ajfti-4554	142	1	fintech	fintech	NOUN
ajfti-4554	142	2	regulations	regulation	NOUN
ajfti-4554	142	3	in	in	ADP
ajfti-4554	142	4	developed	developed	ADJ
ajfti-4554	142	5	economies	economy	NOUN
ajfti-4554	142	6	are	be	AUX
ajfti-4554	142	7	mostly	mostly	ADV
ajfti-4554	142	8	well	well	ADV
ajfti-4554	142	9	defined	define	VERB
ajfti-4554	142	10	to	to	PART
ajfti-4554	142	11	protect	protect	VERB
ajfti-4554	142	12	consumers	consumer	NOUN
ajfti-4554	142	13	,	,	PUNCT
ajfti-4554	142	14	prevent	prevent	VERB
ajfti-4554	142	15	fraud	fraud	NOUN
ajfti-4554	142	16	and	and	CCONJ
ajfti-4554	142	17	guarantee	guarantee	VERB
ajfti-4554	142	18	financial	financial	ADJ
ajfti-4554	142	19	transparency	transparency	NOUN
ajfti-4554	142	20	(	(	PUNCT
ajfti-4554	142	21	ferrari	ferrari	PROPN
ajfti-4554	142	22	,	,	PUNCT
ajfti-4554	142	23	2022	2022	NUM
ajfti-4554	142	24	)	)	PUNCT
ajfti-4554	142	25	.	.	PUNCT
ajfti-4554	143	1	but	but	CCONJ
ajfti-4554	143	2	critics	critic	NOUN
ajfti-4554	143	3	insist	insist	VERB
ajfti-4554	143	4	that	that	SCONJ
ajfti-4554	143	5	these	these	DET
ajfti-4554	143	6	regulations	regulation	NOUN
ajfti-4554	143	7	mostly	mostly	ADV
ajfti-4554	143	8	behoove	behoove	VERB
ajfti-4554	143	9	large	large	ADJ
ajfti-4554	143	10	fintech	fintech	NOUN
ajfti-4554	143	11	monopolies	monopoly	NOUN
ajfti-4554	143	12	and	and	CCONJ
ajfti-4554	143	13	may	may	AUX
ajfti-4554	143	14	do	do	VERB
ajfti-4554	143	15	if	if	SCONJ
ajfti-4554	143	16	not	not	PART
ajfti-4554	143	17	stingy	stingy	ADJ
ajfti-4554	143	18	with	with	ADP
ajfti-4554	143	19	competition	competition	NOUN
ajfti-4554	143	20	.	.	PUNCT
ajfti-4554	144	1	on	on	ADP
ajfti-4554	144	2	the	the	DET
ajfti-4554	144	3	other	other	ADJ
ajfti-4554	144	4	hand	hand	NOUN
ajfti-4554	144	5	,	,	PUNCT
ajfti-4554	144	6	emerging	emerge	VERB
ajfti-4554	144	7	market	market	NOUN
ajfti-4554	144	8	suffers	suffer	VERB
ajfti-4554	144	9	from	from	ADP
ajfti-4554	144	10	regulatory	regulatory	ADJ
ajfti-4554	144	11	gaps	gap	NOUN
ajfti-4554	144	12	and	and	CCONJ
ajfti-4554	144	13	discrete	discrete	ADJ
ajfti-4554	144	14	financial	financial	ADJ
ajfti-4554	144	15	eco	eco	NOUN
ajfti-4554	144	16	systems	system	NOUN
ajfti-4554	144	17	(	(	PUNCT
ajfti-4554	144	18	vijayagopal	vijayagopal	PROPN
ajfti-4554	144	19	et	et	PROPN
ajfti-4554	144	20	al	al	PROPN
ajfti-4554	144	21	.	.	PROPN
ajfti-4554	144	22	,	,	PUNCT
ajfti-4554	144	23	2024	2024	NUM
ajfti-4554	144	24	)	)	PUNCT
ajfti-4554	144	25	.	.	PUNCT
ajfti-4554	145	1	this	this	PRON
ajfti-4554	145	2	is	be	AUX
ajfti-4554	145	3	due	due	ADJ
ajfti-4554	145	4	to	to	ADP
ajfti-4554	145	5	enforcement	enforcement	NOUN
ajfti-4554	145	6	challenges	challenge	NOUN
ajfti-4554	145	7	in	in	ADP
ajfti-4554	145	8	countries	country	NOUN
ajfti-4554	145	9	like	like	ADP
ajfti-4554	145	10	india	india	PROPN
ajfti-4554	145	11	,	,	PUNCT
ajfti-4554	145	12	policy	policy	NOUN
ajfti-4554	145	13	instability	instability	NOUN
ajfti-4554	145	14	in	in	ADP
ajfti-4554	145	15	nigeria	nigeria	PROPN
ajfti-4554	145	16	,	,	PUNCT
ajfti-4554	145	17	thus	thus	ADV
ajfti-4554	145	18	rendering	render	VERB
ajfti-4554	145	19	a	a	DET
ajfti-4554	145	20	trusted	trust	VERB
ajfti-4554	145	21	digital	digital	ADJ
ajfti-4554	145	22	payment	payment	NOUN
ajfti-4554	145	23	ecosystem	ecosystem	NOUN
ajfti-4554	145	24	for	for	ADP
ajfti-4554	145	25	countries	country	NOUN
ajfti-4554	145	26	such	such	ADJ
ajfti-4554	145	27	as	as	ADP
ajfti-4554	145	28	nigeria	nigeria	PROPN
ajfti-4554	145	29	(	(	PUNCT
ajfti-4554	145	30	muhammed	muhammed	PROPN
ajfti-4554	145	31	et	et	PROPN
ajfti-4554	145	32	al	al	PROPN
ajfti-4554	145	33	.	.	PROPN
ajfti-4554	145	34	,	,	PUNCT
ajfti-4554	145	35	2024	2024	NUM
ajfti-4554	145	36	)	)	PUNCT
ajfti-4554	145	37	.	.	PUNCT
ajfti-4554	146	1	lack	lack	NOUN
ajfti-4554	146	2	of	of	ADP
ajfti-4554	146	3	consistent	consistent	ADJ
ajfti-4554	146	4	regulations	regulation	NOUN
ajfti-4554	146	5	makes	make	VERB
ajfti-4554	146	6	it	it	PRON
ajfti-4554	146	7	difficult	difficult	ADJ
ajfti-4554	146	8	for	for	SCONJ
ajfti-4554	146	9	the	the	DET
ajfti-4554	146	10	financial	financial	ADJ
ajfti-4554	146	11	institutions	institution	NOUN
ajfti-4554	146	12	to	to	PART
ajfti-4554	146	13	standardize	standardize	VERB
ajfti-4554	146	14	digital	digital	ADJ
ajfti-4554	146	15	payment	payment	NOUN
ajfti-4554	146	16	security	security	NOUN
ajfti-4554	146	17	measures	measure	NOUN
ajfti-4554	146	18	and	and	CCONJ
ajfti-4554	146	19	this	this	PRON
ajfti-4554	146	20	makes	make	VERB
ajfti-4554	146	21	the	the	DET
ajfti-4554	146	22	rate	rate	NOUN
ajfti-4554	146	23	of	of	ADP
ajfti-4554	146	24	adoption	adoption	NOUN
ajfti-4554	146	25	very	very	ADV
ajfti-4554	146	26	low	low	ADJ
ajfti-4554	146	27	.	.	PUNCT
ajfti-4554	147	1	however	however	ADV
ajfti-4554	147	2	,	,	PUNCT
ajfti-4554	147	3	the	the	DET
ajfti-4554	147	4	adoption	adoption	NOUN
ajfti-4554	147	5	of	of	ADP
ajfti-4554	147	6	digital	digital	ADJ
ajfti-4554	147	7	payment	payment	NOUN
ajfti-4554	147	8	requires	require	VERB
ajfti-4554	147	9	reliable	reliable	ADJ
ajfti-4554	147	10	infrastructure	infrastructure	NOUN
ajfti-4554	147	11	.	.	PUNCT
ajfti-4554	148	1	high	high	ADJ
ajfti-4554	148	2	speed	speed	NOUN
ajfti-4554	148	3	internet	internet	NOUN
ajfti-4554	148	4	,	,	PUNCT
ajfti-4554	148	5	good	good	ADJ
ajfti-4554	148	6	banking	banking	NOUN
ajfti-4554	148	7	services	service	NOUN
ajfti-4554	148	8	and	and	CCONJ
ajfti-4554	148	9	free	free	ADJ
ajfti-4554	148	10	access	access	NOUN
ajfti-4554	148	11	pa	pa	PROPN
ajfti-4554	148	12	ge	ge	PROPN
ajfti-4554	148	13	85	85	NUM
ajfti-4554	148	14	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4554	148	15	am	be	AUX
ajfti-4554	148	16	.	.	PUNCT
ajfti-4554	149	1	j.	j.	PROPN
ajfti-4554	149	2	financ	financ	PROPN
ajfti-4554	149	3	.	.	PUNCT
ajfti-4554	150	1	technol	technol	PROPN
ajfti-4554	150	2	.	.	PUNCT
ajfti-4554	150	3	innov	innov	PROPN
ajfti-4554	150	4	.	.	PUNCT
ajfti-4554	151	1	3(1	3(1	NUM
ajfti-4554	151	2	)	)	PUNCT
ajfti-4554	151	3	81	81	NUM
ajfti-4554	151	4	-	-	SYM
ajfti-4554	151	5	88	88	NUM
ajfti-4554	151	6	,	,	PUNCT
ajfti-4554	151	7	2025	2025	NUM
ajfti-4554	151	8	to	to	ADP
ajfti-4554	151	9	smartphone	smartphone	NOUN
ajfti-4554	151	10	enable	enable	VERB
ajfti-4554	151	11	developed	develop	VERB
ajfti-4554	151	12	nations	nation	NOUN
ajfti-4554	151	13	to	to	PART
ajfti-4554	151	14	make	make	VERB
ajfti-4554	151	15	seamless	seamless	ADJ
ajfti-4554	151	16	transactions	transaction	NOUN
ajfti-4554	151	17	.	.	PUNCT
ajfti-4554	152	1	nevertheless	nevertheless	ADV
ajfti-4554	152	2	,	,	PUNCT
ajfti-4554	152	3	infrastructure	infrastructure	NOUN
ajfti-4554	152	4	limitations	limitation	NOUN
ajfti-4554	152	5	have	have	VERB
ajfti-4554	152	6	a	a	DET
ajfti-4554	152	7	huge	huge	ADJ
ajfti-4554	152	8	impact	impact	NOUN
ajfti-4554	152	9	on	on	ADP
ajfti-4554	152	10	adoption	adoption	NOUN
ajfti-4554	152	11	rates	rate	NOUN
ajfti-4554	152	12	in	in	ADP
ajfti-4554	152	13	emerging	emerge	VERB
ajfti-4554	152	14	economies	economy	NOUN
ajfti-4554	152	15	(	(	PUNCT
ajfti-4554	152	16	mogaji	mogaji	NOUN
ajfti-4554	152	17	&	&	CCONJ
ajfti-4554	152	18	nguyen	nguyen	PROPN
ajfti-4554	152	19	,	,	PUNCT
ajfti-4554	152	20	2024	2024	NUM
ajfti-4554	152	21	)	)	PUNCT
ajfti-4554	152	22	.	.	PUNCT
ajfti-4554	153	1	for	for	ADP
ajfti-4554	153	2	instance	instance	NOUN
ajfti-4554	153	3	,	,	PUNCT
ajfti-4554	153	4	in	in	ADP
ajfti-4554	153	5	nigeria	nigeria	PROPN
ajfti-4554	153	6	,	,	PUNCT
ajfti-4554	153	7	the	the	DET
ajfti-4554	153	8	network	network	NOUN
ajfti-4554	153	9	coverage	coverage	NOUN
ajfti-4554	153	10	of	of	ADP
ajfti-4554	153	11	the	the	DET
ajfti-4554	153	12	digital	digital	ADJ
ajfti-4554	153	13	payment	payment	NOUN
ajfti-4554	153	14	system	system	NOUN
ajfti-4554	153	15	in	in	ADP
ajfti-4554	153	16	the	the	DET
ajfti-4554	153	17	transportation	transportation	NOUN
ajfti-4554	153	18	sector	sector	NOUN
ajfti-4554	153	19	is	be	AUX
ajfti-4554	153	20	weak	weak	ADJ
ajfti-4554	153	21	and	and	CCONJ
ajfti-4554	153	22	the	the	DET
ajfti-4554	153	23	consumer	consumer	NOUN
ajfti-4554	153	24	awareness	awareness	NOUN
ajfti-4554	153	25	is	be	AUX
ajfti-4554	153	26	quite	quite	ADV
ajfti-4554	153	27	low	low	ADJ
ajfti-4554	153	28	(	(	PUNCT
ajfti-4554	153	29	muhammed	muhamme	VERB
ajfti-4554	153	30	et	et	PROPN
ajfti-4554	153	31	al	al	PROPN
ajfti-4554	153	32	.	.	PROPN
ajfti-4554	153	33	,	,	PUNCT
ajfti-4554	153	34	2024	2024	NUM
ajfti-4554	153	35	)	)	PUNCT
ajfti-4554	153	36	.	.	PUNCT
ajfti-4554	154	1	to	to	PART
ajfti-4554	154	2	address	address	VERB
ajfti-4554	154	3	these	these	DET
ajfti-4554	154	4	barriers	barrier	NOUN
ajfti-4554	154	5	,	,	PUNCT
ajfti-4554	154	6	governments	government	NOUN
ajfti-4554	154	7	and	and	CCONJ
ajfti-4554	154	8	financial	financial	ADJ
ajfti-4554	154	9	institutions	institution	NOUN
ajfti-4554	154	10	need	need	VERB
ajfti-4554	154	11	to	to	PART
ajfti-4554	154	12	invest	invest	VERB
ajfti-4554	154	13	in	in	ADP
ajfti-4554	154	14	internet	internet	NOUN
ajfti-4554	154	15	expansion	expansion	NOUN
ajfti-4554	154	16	,	,	PUNCT
ajfti-4554	154	17	advancement	advancement	NOUN
ajfti-4554	154	18	of	of	ADP
ajfti-4554	154	19	mobile	mobile	ADJ
ajfti-4554	154	20	banking	banking	NOUN
ajfti-4554	154	21	and	and	CCONJ
ajfti-4554	154	22	education	education	NOUN
ajfti-4554	154	23	for	for	ADP
ajfti-4554	154	24	their	their	PRON
ajfti-4554	154	25	consumers	consumer	NOUN
ajfti-4554	154	26	.	.	PUNCT
ajfti-4554	155	1	the	the	DET
ajfti-4554	155	2	future	future	NOUN
ajfti-4554	155	3	of	of	ADP
ajfti-4554	155	4	digital	digital	ADJ
ajfti-4554	155	5	payments	payment	NOUN
ajfti-4554	155	6	:	:	PUNCT
ajfti-4554	155	7	policy	policy	NOUN
ajfti-4554	155	8	,	,	PUNCT
ajfti-4554	155	9	regulation	regulation	NOUN
ajfti-4554	155	10	,	,	PUNCT
ajfti-4554	155	11	and	and	CCONJ
ajfti-4554	155	12	innovation	innovation	NOUN
ajfti-4554	155	13	technological	technological	ADJ
ajfti-4554	155	14	advancements	advancement	NOUN
ajfti-4554	155	15	in	in	ADP
ajfti-4554	155	16	the	the	DET
ajfti-4554	155	17	area	area	NOUN
ajfti-4554	155	18	of	of	ADP
ajfti-4554	155	19	digital	digital	ADJ
ajfti-4554	155	20	payments	payment	NOUN
ajfti-4554	155	21	,	,	PUNCT
ajfti-4554	155	22	regulatory	regulatory	ADJ
ajfti-4554	155	23	policies	policy	NOUN
ajfti-4554	155	24	regarding	regard	VERB
ajfti-4554	155	25	digital	digital	ADJ
ajfti-4554	155	26	payments	payment	NOUN
ajfti-4554	155	27	,	,	PUNCT
ajfti-4554	155	28	and	and	CCONJ
ajfti-4554	155	29	frameworks	framework	NOUN
ajfti-4554	155	30	for	for	ADP
ajfti-4554	155	31	consumer	consumer	NOUN
ajfti-4554	155	32	protection	protection	NOUN
ajfti-4554	155	33	regarding	regard	VERB
ajfti-4554	155	34	digital	digital	ADJ
ajfti-4554	155	35	payments	payment	NOUN
ajfti-4554	155	36	are	be	AUX
ajfti-4554	155	37	the	the	DET
ajfti-4554	155	38	indispensable	indispensable	ADJ
ajfti-4554	155	39	factors	factor	NOUN
ajfti-4554	155	40	to	to	PART
ajfti-4554	155	41	be	be	AUX
ajfti-4554	155	42	considered	consider	VERB
ajfti-4554	155	43	to	to	PART
ajfti-4554	155	44	lay	lay	VERB
ajfti-4554	155	45	the	the	DET
ajfti-4554	155	46	foundation	foundation	NOUN
ajfti-4554	155	47	of	of	ADP
ajfti-4554	155	48	digital	digital	ADJ
ajfti-4554	155	49	payments	payment	NOUN
ajfti-4554	155	50	’	'	PUNCT
ajfti-4554	155	51	future	future	NOUN
ajfti-4554	155	52	.	.	PUNCT
ajfti-4554	156	1	nowadays	nowadays	ADV
ajfti-4554	156	2	,	,	PUNCT
ajfti-4554	156	3	as	as	SCONJ
ajfti-4554	156	4	digital	digital	ADJ
ajfti-4554	156	5	payment	payment	NOUN
ajfti-4554	156	6	systems	system	NOUN
ajfti-4554	156	7	are	be	AUX
ajfti-4554	156	8	evolving	evolve	VERB
ajfti-4554	156	9	,	,	PUNCT
ajfti-4554	156	10	embedded	embed	VERB
ajfti-4554	156	11	finance	finance	NOUN
ajfti-4554	156	12	is	be	AUX
ajfti-4554	156	13	a	a	DET
ajfti-4554	156	14	progressive	progressive	ADJ
ajfti-4554	156	15	trend	trend	NOUN
ajfti-4554	156	16	in	in	ADP
ajfti-4554	156	17	which	which	PRON
ajfti-4554	156	18	payment	payment	NOUN
ajfti-4554	156	19	capabilities	capability	NOUN
ajfti-4554	156	20	are	be	AUX
ajfti-4554	156	21	embedded	embed	VERB
ajfti-4554	156	22	and	and	CCONJ
ajfti-4554	156	23	integrated	integrate	VERB
ajfti-4554	156	24	into	into	ADP
ajfti-4554	156	25	non	non	ADJ
ajfti-4554	156	26	financial	financial	ADJ
ajfti-4554	156	27	platform	platform	NOUN
ajfti-4554	156	28	(	(	PUNCT
ajfti-4554	156	29	e.g.	e.g.	ADV
ajfti-4554	156	30	e	e	NOUN
ajfti-4554	156	31	-	-	NOUN
ajfti-4554	156	32	commerce	commerce	NOUN
ajfti-4554	156	33	websites	website	NOUN
ajfti-4554	156	34	,	,	PUNCT
ajfti-4554	156	35	social	social	ADJ
ajfti-4554	156	36	media	medium	NOUN
ajfti-4554	156	37	applications	application	NOUN
ajfti-4554	156	38	,	,	PUNCT
ajfti-4554	156	39	and	and	CCONJ
ajfti-4554	156	40	ride	ride	NOUN
ajfti-4554	156	41	-	-	PUNCT
ajfti-4554	156	42	hailing	hail	VERB
ajfti-4554	156	43	services	service	NOUN
ajfti-4554	156	44	)	)	PUNCT
ajfti-4554	156	45	.	.	PUNCT
ajfti-4554	157	1	thus	thus	ADV
ajfti-4554	157	2	,	,	PUNCT
ajfti-4554	157	3	it	it	PRON
ajfti-4554	157	4	enables	enable	VERB
ajfti-4554	157	5	consumers	consumer	NOUN
ajfti-4554	157	6	to	to	PART
ajfti-4554	157	7	make	make	VERB
ajfti-4554	157	8	frictionless	frictionless	ADJ
ajfti-4554	157	9	instant	instant	ADJ
ajfti-4554	157	10	transactions	transaction	NOUN
ajfti-4554	157	11	without	without	ADP
ajfti-4554	157	12	reliance	reliance	NOUN
ajfti-4554	157	13	on	on	ADP
ajfti-4554	157	14	traditional	traditional	ADJ
ajfti-4554	157	15	banking	banking	NOUN
ajfti-4554	157	16	intermediaries	intermediary	NOUN
ajfti-4554	157	17	.	.	PUNCT
ajfti-4554	158	1	with	with	ADP
ajfti-4554	158	2	embedded	embed	VERB
ajfti-4554	158	3	finance	finance	NOUN
ajfti-4554	158	4	becoming	become	VERB
ajfti-4554	158	5	a	a	DET
ajfti-4554	158	6	business	business	NOUN
ajfti-4554	158	7	staple	staple	NOUN
ajfti-4554	158	8	,	,	PUNCT
ajfti-4554	158	9	more	more	ADJ
ajfti-4554	158	10	and	and	CCONJ
ajfti-4554	158	11	more	more	ADJ
ajfti-4554	158	12	companies	company	NOUN
ajfti-4554	158	13	are	be	AUX
ajfti-4554	158	14	utilizing	utilize	VERB
ajfti-4554	158	15	embedded	embed	VERB
ajfti-4554	158	16	finance	finance	NOUN
ajfti-4554	158	17	to	to	PART
ajfti-4554	158	18	provide	provide	VERB
ajfti-4554	158	19	more	more	ADV
ajfti-4554	158	20	personalized	personalized	ADJ
ajfti-4554	158	21	and	and	CCONJ
ajfti-4554	158	22	easier	easy	ADJ
ajfti-4554	158	23	payment	payment	NOUN
ajfti-4554	158	24	experiences	experience	NOUN
ajfti-4554	158	25	in	in	ADP
ajfti-4554	158	26	various	various	ADJ
ajfti-4554	158	27	industries	industry	NOUN
ajfti-4554	158	28	(	(	PUNCT
ajfti-4554	158	29	demir	demir	PROPN
ajfti-4554	158	30	et	et	PROPN
ajfti-4554	158	31	al	al	PROPN
ajfti-4554	158	32	.	.	PROPN
ajfti-4554	158	33	,	,	PUNCT
ajfti-4554	158	34	2024	2024	NUM
ajfti-4554	158	35	)	)	PUNCT
ajfti-4554	158	36	.	.	PUNCT
ajfti-4554	159	1	biometric	biometric	ADJ
ajfti-4554	159	2	authentication	authentication	NOUN
ajfti-4554	159	3	is	be	AUX
ajfti-4554	159	4	a	a	DET
ajfti-4554	159	5	key	key	ADJ
ajfti-4554	159	6	technological	technological	ADJ
ajfti-4554	159	7	innovation	innovation	NOUN
ajfti-4554	159	8	that	that	PRON
ajfti-4554	159	9	will	will	AUX
ajfti-4554	159	10	have	have	VERB
ajfti-4554	159	11	an	an	DET
ajfti-4554	159	12	impact	impact	NOUN
ajfti-4554	159	13	on	on	ADP
ajfti-4554	159	14	the	the	DET
ajfti-4554	159	15	future	future	NOUN
ajfti-4554	159	16	of	of	ADP
ajfti-4554	159	17	digital	digital	ADJ
ajfti-4554	159	18	payments	payment	NOUN
ajfti-4554	159	19	;	;	PUNCT
ajfti-4554	159	20	it	it	PRON
ajfti-4554	159	21	provides	provide	VERB
ajfti-4554	159	22	a	a	DET
ajfti-4554	159	23	more	more	ADV
ajfti-4554	159	24	secure	secure	ADJ
ajfti-4554	159	25	and	and	CCONJ
ajfti-4554	159	26	less	less	ADJ
ajfti-4554	159	27	fraud	fraud	NOUN
ajfti-4554	159	28	occurrence	occurrence	NOUN
ajfti-4554	159	29	.	.	PUNCT
ajfti-4554	160	1	fingerprint	fingerprint	NOUN
ajfti-4554	160	2	recognition	recognition	PROPN
ajfti-4554	160	3	,	,	PUNCT
ajfti-4554	160	4	facial	facial	ADJ
ajfti-4554	160	5	scans	scan	NOUN
ajfti-4554	160	6	,	,	PUNCT
ajfti-4554	160	7	voice	voice	NOUN
ajfti-4554	160	8	authentication	authentication	NOUN
ajfti-4554	160	9	features	feature	NOUN
ajfti-4554	160	10	are	be	AUX
ajfti-4554	160	11	standard	standard	ADJ
ajfti-4554	160	12	features	feature	NOUN
ajfti-4554	160	13	that	that	SCONJ
ajfti-4554	160	14	only	only	ADV
ajfti-4554	160	15	authenticate	authenticate	VERB
ajfti-4554	160	16	and	and	CCONJ
ajfti-4554	160	17	permit	permit	VERB
ajfti-4554	160	18	access	access	NOUN
ajfti-4554	160	19	to	to	ADP
ajfti-4554	160	20	and	and	CCONJ
ajfti-4554	160	21	execute	execute	VERB
ajfti-4554	160	22	digital	digital	ADJ
ajfti-4554	160	23	transactions	transaction	NOUN
ajfti-4554	160	24	for	for	ADP
ajfti-4554	160	25	only	only	ADV
ajfti-4554	160	26	those	those	PRON
ajfti-4554	160	27	who	who	PRON
ajfti-4554	160	28	are	be	AUX
ajfti-4554	160	29	authorized	authorize	VERB
ajfti-4554	160	30	.	.	PUNCT
ajfti-4554	161	1	as	as	SCONJ
ajfti-4554	161	2	cybersecurity	cybersecurity	NOUN
ajfti-4554	161	3	threats	threat	NOUN
ajfti-4554	161	4	become	become	VERB
ajfti-4554	161	5	more	more	ADV
ajfti-4554	161	6	sophisticated	sophisticated	ADJ
ajfti-4554	161	7	,	,	PUNCT
ajfti-4554	161	8	these	these	PRON
ajfti-4554	161	9	are	be	AUX
ajfti-4554	161	10	methods	method	NOUN
ajfti-4554	161	11	helping	helping	AUX
ajfti-4554	161	12	authenticate	authenticate	VERB
ajfti-4554	161	13	users	user	NOUN
ajfti-4554	161	14	for	for	ADP
ajfti-4554	161	15	growing	grow	VERB
ajfti-4554	161	16	financial	financial	ADJ
ajfti-4554	161	17	services	service	NOUN
ajfti-4554	161	18	adoption	adoption	NOUN
ajfti-4554	161	19	.	.	PUNCT
ajfti-4554	162	1	apart	apart	ADV
ajfti-4554	162	2	from	from	ADP
ajfti-4554	162	3	that	that	PRON
ajfti-4554	162	4	,	,	PUNCT
ajfti-4554	162	5	the	the	DET
ajfti-4554	162	6	blockchain	blockchain	PROPN
ajfti-4554	162	7	technology	technology	PROPN
ajfti-4554	162	8	also	also	ADV
ajfti-4554	162	9	offers	offer	VERB
ajfti-4554	162	10	a	a	DET
ajfti-4554	162	11	decentralized	decentralized	ADJ
ajfti-4554	162	12	approach	approach	NOUN
ajfti-4554	162	13	to	to	ADP
ajfti-4554	162	14	the	the	DET
ajfti-4554	162	15	conduct	conduct	NOUN
ajfti-4554	162	16	of	of	ADP
ajfti-4554	162	17	financial	financial	ADJ
ajfti-4554	162	18	transactions	transaction	NOUN
ajfti-4554	162	19	,	,	PUNCT
ajfti-4554	162	20	so	so	SCONJ
ajfti-4554	162	21	as	as	SCONJ
ajfti-4554	162	22	to	to	PART
ajfti-4554	162	23	minimize	minimize	VERB
ajfti-4554	162	24	the	the	DET
ajfti-4554	162	25	risks	risk	NOUN
ajfti-4554	162	26	that	that	PRON
ajfti-4554	162	27	come	come	VERB
ajfti-4554	162	28	from	from	ADP
ajfti-4554	162	29	centralized	centralized	ADJ
ajfti-4554	162	30	control	control	NOUN
ajfti-4554	162	31	and	and	CCONJ
ajfti-4554	162	32	fraudulent	fraudulent	ADJ
ajfti-4554	162	33	activities	activity	NOUN
ajfti-4554	162	34	.	.	PUNCT
ajfti-4554	163	1	the	the	DET
ajfti-4554	163	2	usage	usage	NOUN
ajfti-4554	163	3	of	of	ADP
ajfti-4554	163	4	blockchain	blockchain	PROPN
ajfti-4554	163	5	brings	bring	VERB
ajfti-4554	163	6	in	in	ADP
ajfti-4554	163	7	the	the	DET
ajfti-4554	163	8	transparency	transparency	NOUN
ajfti-4554	163	9	of	of	ADP
ajfti-4554	163	10	transactions	transaction	NOUN
ajfti-4554	163	11	and	and	CCONJ
ajfti-4554	163	12	the	the	DET
ajfti-4554	163	13	security	security	NOUN
ajfti-4554	163	14	of	of	ADP
ajfti-4554	163	15	the	the	DET
ajfti-4554	163	16	data	datum	NOUN
ajfti-4554	163	17	by	by	ADP
ajfti-4554	163	18	enforcing	enforce	VERB
ajfti-4554	163	19	the	the	DET
ajfti-4554	163	20	trust	trust	NOUN
ajfti-4554	163	21	in	in	ADP
ajfti-4554	163	22	digital	digital	ADJ
ajfti-4554	163	23	payment	payment	NOUN
ajfti-4554	163	24	system	system	NOUN
ajfti-4554	163	25	(	(	PUNCT
ajfti-4554	163	26	schorr	schorr	PROPN
ajfti-4554	163	27	,	,	PUNCT
ajfti-4554	163	28	2023	2023	NUM
ajfti-4554	163	29	)	)	PUNCT
ajfti-4554	163	30	.	.	PUNCT
ajfti-4554	164	1	apart	apart	ADV
ajfti-4554	164	2	from	from	ADP
ajfti-4554	164	3	blockchain	blockchain	PROPN
ajfti-4554	164	4	,	,	PUNCT
ajfti-4554	164	5	various	various	ADJ
ajfti-4554	164	6	ai	ai	NOUN
ajfti-4554	164	7	based	base	VERB
ajfti-4554	164	8	fraud	fraud	NOUN
ajfti-4554	164	9	detection	detection	NOUN
ajfti-4554	164	10	systems	system	NOUN
ajfti-4554	164	11	are	be	AUX
ajfti-4554	164	12	equally	equally	ADV
ajfti-4554	164	13	important	important	ADJ
ajfti-4554	164	14	in	in	ADP
ajfti-4554	164	15	combating	combat	VERB
ajfti-4554	164	16	cybersecurity	cybersecurity	NOUN
ajfti-4554	164	17	attacks	attack	NOUN
ajfti-4554	164	18	.	.	PUNCT
ajfti-4554	165	1	these	these	DET
ajfti-4554	165	2	financial	financial	ADJ
ajfti-4554	165	3	institutions	institution	NOUN
ajfti-4554	165	4	use	use	VERB
ajfti-4554	165	5	machine	machine	NOUN
ajfti-4554	165	6	learning	learn	VERB
ajfti-4554	165	7	algorithms	algorithm	NOUN
ajfti-4554	165	8	to	to	PART
ajfti-4554	165	9	detect	detect	VERB
ajfti-4554	165	10	patterns	pattern	NOUN
ajfti-4554	165	11	that	that	PRON
ajfti-4554	165	12	are	be	AUX
ajfti-4554	165	13	classical	classical	ADJ
ajfti-4554	165	14	for	for	ADP
ajfti-4554	165	15	fraudulent	fraudulent	ADJ
ajfti-4554	165	16	activities	activity	NOUN
ajfti-4554	165	17	,	,	PUNCT
ajfti-4554	165	18	identity	identity	NOUN
ajfti-4554	165	19	theft	theft	NOUN
ajfti-4554	165	20	and	and	CCONJ
ajfti-4554	165	21	unauthorized	unauthorized	ADJ
ajfti-4554	165	22	transactions	transaction	NOUN
ajfti-4554	165	23	and	and	CCONJ
ajfti-4554	165	24	respond	respond	VERB
ajfti-4554	165	25	to	to	ADP
ajfti-4554	165	26	this	this	PRON
ajfti-4554	165	27	in	in	ADP
ajfti-4554	165	28	a	a	DET
ajfti-4554	165	29	real	real	ADJ
ajfti-4554	165	30	time	time	NOUN
ajfti-4554	165	31	system	system	NOUN
ajfti-4554	165	32	.	.	PUNCT
ajfti-4554	166	1	with	with	ADP
ajfti-4554	166	2	fraudsters	fraudster	NOUN
ajfti-4554	166	3	becoming	become	VERB
ajfti-4554	166	4	increasingly	increasingly	ADV
ajfti-4554	166	5	sophisticated	sophisticated	ADJ
ajfti-4554	166	6	in	in	ADP
ajfti-4554	166	7	their	their	PRON
ajfti-4554	166	8	approach	approach	NOUN
ajfti-4554	166	9	,	,	PUNCT
ajfti-4554	166	10	the	the	DET
ajfti-4554	166	11	security	security	NOUN
ajfti-4554	166	12	must	must	AUX
ajfti-4554	166	13	keep	keep	VERB
ajfti-4554	166	14	up	up	ADP
ajfti-4554	166	15	with	with	ADP
ajfti-4554	166	16	the	the	DET
ajfti-4554	166	17	level	level	NOUN
ajfti-4554	166	18	of	of	ADP
ajfti-4554	166	19	the	the	DET
ajfti-4554	166	20	game	game	NOUN
ajfti-4554	166	21	,	,	PUNCT
ajfti-4554	166	22	making	make	VERB
ajfti-4554	166	23	use	use	NOUN
ajfti-4554	166	24	of	of	ADP
ajfti-4554	166	25	and	and	CCONJ
ajfti-4554	166	26	deploying	deploy	VERB
ajfti-4554	166	27	ai	ai	VERB
ajfti-4554	166	28	driven	drive	VERB
ajfti-4554	166	29	security	security	NOUN
ajfti-4554	166	30	mechanisms	mechanism	NOUN
ajfti-4554	166	31	that	that	PRON
ajfti-4554	166	32	continues	continue	VERB
ajfti-4554	166	33	to	to	PART
ajfti-4554	166	34	outsmart	outsmart	VERB
ajfti-4554	166	35	fraudsters	fraudster	NOUN
ajfti-4554	166	36	in	in	ADP
ajfti-4554	166	37	both	both	DET
ajfti-4554	166	38	manner	manner	NOUN
ajfti-4554	166	39	and	and	CCONJ
ajfti-4554	166	40	manner	manner	NOUN
ajfti-4554	166	41	in	in	ADP
ajfti-4554	166	42	stemming	stem	VERB
ajfti-4554	166	43	financial	financial	ADJ
ajfti-4554	166	44	crimes	crime	NOUN
ajfti-4554	166	45	related	relate	VERB
ajfti-4554	166	46	to	to	ADP
ajfti-4554	166	47	payments	payment	NOUN
ajfti-4554	166	48	on	on	ADP
ajfti-4554	166	49	digital	digital	ADJ
ajfti-4554	166	50	payment	payment	NOUN
ajfti-4554	166	51	platforms	platform	NOUN
ajfti-4554	166	52	.	.	PUNCT
ajfti-4554	167	1	despite	despite	SCONJ
ajfti-4554	167	2	the	the	DET
ajfti-4554	167	3	benefits	benefit	NOUN
ajfti-4554	167	4	offered	offer	VERB
ajfti-4554	167	5	by	by	ADP
ajfti-4554	167	6	blockchain	blockchain	PROPN
ajfti-4554	167	7	and	and	CCONJ
ajfti-4554	167	8	ai	ai	PROPN
ajfti-4554	167	9	based	base	VERB
ajfti-4554	167	10	solutions	solution	NOUN
ajfti-4554	167	11	,	,	PUNCT
ajfti-4554	167	12	however	however	ADV
ajfti-4554	167	13	,	,	PUNCT
ajfti-4554	167	14	due	due	ADP
ajfti-4554	167	15	to	to	ADP
ajfti-4554	167	16	its	its	PRON
ajfti-4554	167	17	guaranteed	guarantee	VERB
ajfti-4554	167	18	integrity	integrity	NOUN
ajfti-4554	167	19	,	,	PUNCT
ajfti-4554	167	20	blockchain	blockchain	PROPN
ajfti-4554	167	21	and	and	CCONJ
ajfti-4554	167	22	ai	ai	PROPN
ajfti-4554	167	23	based	base	VERB
ajfti-4554	167	24	solutions	solution	NOUN
ajfti-4554	167	25	will	will	AUX
ajfti-4554	167	26	only	only	ADV
ajfti-4554	167	27	become	become	VERB
ajfti-4554	167	28	popular	popular	ADJ
ajfti-4554	167	29	if	if	SCONJ
ajfti-4554	167	30	adequate	adequate	ADJ
ajfti-4554	167	31	investment	investment	NOUN
ajfti-4554	167	32	is	be	AUX
ajfti-4554	167	33	made	make	VERB
ajfti-4554	167	34	in	in	ADP
ajfti-4554	167	35	digital	digital	ADJ
ajfti-4554	167	36	infrastructure	infrastructure	NOUN
ajfti-4554	167	37	as	as	ADV
ajfti-4554	167	38	well	well	ADV
ajfti-4554	167	39	as	as	ADP
ajfti-4554	167	40	in	in	ADP
ajfti-4554	167	41	supporting	support	VERB
ajfti-4554	167	42	regulations	regulation	NOUN
ajfti-4554	167	43	to	to	PART
ajfti-4554	167	44	guarantee	guarantee	VERB
ajfti-4554	167	45	ethical	ethical	ADJ
ajfti-4554	167	46	deployment	deployment	NOUN
ajfti-4554	167	47	as	as	ADV
ajfti-4554	167	48	well	well	ADV
ajfti-4554	167	49	as	as	ADP
ajfti-4554	167	50	compliance	compliance	NOUN
ajfti-4554	167	51	with	with	ADP
ajfti-4554	167	52	global	global	ADJ
ajfti-4554	167	53	security	security	NOUN
ajfti-4554	167	54	standards	standard	NOUN
ajfti-4554	167	55	(	(	PUNCT
ajfti-4554	167	56	demir	demir	PROPN
ajfti-4554	167	57	et	et	PROPN
ajfti-4554	167	58	al	al	PROPN
ajfti-4554	167	59	.	.	PROPN
ajfti-4554	167	60	,	,	PUNCT
ajfti-4554	167	61	2024	2024	NUM
ajfti-4554	167	62	)	)	PUNCT
ajfti-4554	167	63	.	.	PUNCT
ajfti-4554	168	1	both	both	CCONJ
ajfti-4554	168	2	the	the	DET
ajfti-4554	168	3	security	security	NOUN
ajfti-4554	168	4	and	and	CCONJ
ajfti-4554	168	5	the	the	DET
ajfti-4554	168	6	innovation	innovation	NOUN
ajfti-4554	168	7	in	in	ADP
ajfti-4554	168	8	digital	digital	ADJ
ajfti-4554	168	9	payments	payment	NOUN
ajfti-4554	168	10	and	and	CCONJ
ajfti-4554	168	11	also	also	ADV
ajfti-4554	168	12	the	the	DET
ajfti-4554	168	13	financial	financial	ADJ
ajfti-4554	168	14	inclusion	inclusion	NOUN
ajfti-4554	168	15	will	will	AUX
ajfti-4554	168	16	all	all	ADV
ajfti-4554	168	17	be	be	AUX
ajfti-4554	168	18	governed	govern	VERB
ajfti-4554	168	19	by	by	ADP
ajfti-4554	168	20	a	a	DET
ajfti-4554	168	21	regulatory	regulatory	ADJ
ajfti-4554	168	22	framework	framework	NOUN
ajfti-4554	168	23	in	in	ADP
ajfti-4554	168	24	the	the	DET
ajfti-4554	168	25	future	future	NOUN
ajfti-4554	168	26	and	and	CCONJ
ajfti-4554	168	27	will	will	AUX
ajfti-4554	168	28	not	not	PART
ajfti-4554	168	29	leave	leave	VERB
ajfti-4554	168	30	policymakers	policymaker	NOUN
ajfti-4554	168	31	in	in	ADP
ajfti-4554	168	32	a	a	DET
ajfti-4554	168	33	dilemma	dilemma	NOUN
ajfti-4554	168	34	on	on	ADP
ajfti-4554	168	35	how	how	SCONJ
ajfti-4554	168	36	to	to	PART
ajfti-4554	168	37	balance	balance	VERB
ajfti-4554	168	38	these	these	DET
ajfti-4554	168	39	three	three	NUM
ajfti-4554	168	40	competing	compete	VERB
ajfti-4554	168	41	forces	force	NOUN
ajfti-4554	168	42	.	.	PUNCT
ajfti-4554	169	1	regulators	regulator	NOUN
ajfti-4554	169	2	face	face	VERB
ajfti-4554	169	3	the	the	DET
ajfti-4554	169	4	challenge	challenge	NOUN
ajfti-4554	169	5	of	of	ADP
ajfti-4554	169	6	making	make	VERB
ajfti-4554	169	7	international	international	ADJ
ajfti-4554	169	8	transactions	transaction	NOUN
ajfti-4554	169	9	consistent	consistent	ADJ
ajfti-4554	169	10	with	with	ADP
ajfti-4554	169	11	one	one	NUM
ajfti-4554	169	12	another	another	DET
ajfti-4554	169	13	,	,	PUNCT
ajfti-4554	169	14	which	which	PRON
ajfti-4554	169	15	complicates	complicate	VERB
ajfti-4554	169	16	the	the	DET
ajfti-4554	169	17	cross	cross	NOUN
ajfti-4554	169	18	border	border	NOUN
ajfti-4554	169	19	payment	payment	NOUN
ajfti-4554	169	20	policy	policy	NOUN
ajfti-4554	169	21	and	and	CCONJ
ajfti-4554	169	22	also	also	ADV
ajfti-4554	169	23	restricts	restrict	VERB
ajfti-4554	169	24	international	international	ADJ
ajfti-4554	169	25	payment	payment	NOUN
ajfti-4554	169	26	system	system	NOUN
ajfti-4554	169	27	interoperability	interoperability	NOUN
ajfti-4554	169	28	.	.	PUNCT
ajfti-4554	170	1	also	also	ADV
ajfti-4554	170	2	,	,	PUNCT
ajfti-4554	170	3	the	the	DET
ajfti-4554	170	4	rise	rise	NOUN
ajfti-4554	170	5	of	of	ADP
ajfti-4554	170	6	fintech	fintech	NOUN
ajfti-4554	170	7	monopoly	monopoly	NOUN
ajfti-4554	170	8	generates	generate	VERB
ajfti-4554	170	9	concern	concern	NOUN
ajfti-4554	170	10	about	about	ADP
ajfti-4554	170	11	its	its	PRON
ajfti-4554	170	12	existence	existence	NOUN
ajfti-4554	170	13	in	in	ADP
ajfti-4554	170	14	order	order	NOUN
ajfti-4554	170	15	not	not	PART
ajfti-4554	170	16	to	to	PART
ajfti-4554	170	17	allow	allow	VERB
ajfti-4554	170	18	the	the	DET
ajfti-4554	170	19	decline	decline	NOUN
ajfti-4554	170	20	of	of	ADP
ajfti-4554	170	21	competition	competition	NOUN
ajfti-4554	170	22	and	and	CCONJ
ajfti-4554	170	23	possible	possible	ADJ
ajfti-4554	170	24	limitation	limitation	NOUN
ajfti-4554	170	25	of	of	ADP
ajfti-4554	170	26	access	access	NOUN
ajfti-4554	170	27	to	to	ADP
ajfti-4554	170	28	cheaper	cheap	ADJ
ajfti-4554	170	29	digital	digital	ADJ
ajfti-4554	170	30	payment	payment	NOUN
ajfti-4554	170	31	solutions	solution	NOUN
ajfti-4554	170	32	.	.	PUNCT
ajfti-4554	171	1	regulators	regulator	NOUN
ajfti-4554	171	2	need	need	VERB
ajfti-4554	171	3	to	to	PART
ajfti-4554	171	4	implement	implement	VERB
ajfti-4554	171	5	policies	policy	NOUN
ajfti-4554	171	6	which	which	PRON
ajfti-4554	171	7	promote	promote	VERB
ajfti-4554	171	8	fair	fair	ADJ
ajfti-4554	171	9	competition	competition	NOUN
ajfti-4554	171	10	,	,	PUNCT
ajfti-4554	171	11	data	data	NOUN
ajfti-4554	171	12	protection	protection	NOUN
ajfti-4554	171	13	and	and	CCONJ
ajfti-4554	171	14	consumer	consumer	NOUN
ajfti-4554	171	15	rights	right	NOUN
ajfti-4554	171	16	to	to	PART
ajfti-4554	171	17	counter	counter	VERB
ajfti-4554	171	18	these	these	DET
ajfti-4554	171	19	risks	risk	NOUN
ajfti-4554	171	20	(	(	PUNCT
ajfti-4554	171	21	ferrari	ferrari	NOUN
ajfti-4554	171	22	,	,	PUNCT
ajfti-4554	171	23	2022	2022	NUM
ajfti-4554	171	24	)	)	PUNCT
ajfti-4554	171	25	.	.	PUNCT
ajfti-4554	172	1	weak	weak	ADJ
ajfti-4554	172	2	regulatory	regulatory	ADJ
ajfti-4554	172	3	oversight	oversight	NOUN
ajfti-4554	172	4	will	will	AUX
ajfti-4554	172	5	leave	leave	VERB
ajfti-4554	172	6	digital	digital	ADJ
ajfti-4554	172	7	transactions	transaction	NOUN
ajfti-4554	172	8	with	with	ADP
ajfti-4554	172	9	a	a	DET
ajfti-4554	172	10	higher	high	ADJ
ajfti-4554	172	11	tendency	tendency	NOUN
ajfti-4554	172	12	to	to	PART
ajfti-4554	172	13	be	be	AUX
ajfti-4554	172	14	the	the	DET
ajfti-4554	172	15	subject	subject	NOUN
ajfti-4554	172	16	of	of	ADP
ajfti-4554	172	17	fraud	fraud	NOUN
ajfti-4554	172	18	,	,	PUNCT
ajfti-4554	172	19	and	and	CCONJ
ajfti-4554	172	20	this	this	PRON
ajfti-4554	172	21	is	be	AUX
ajfti-4554	172	22	something	something	PRON
ajfti-4554	172	23	that	that	PRON
ajfti-4554	172	24	is	be	AUX
ajfti-4554	172	25	very	very	ADV
ajfti-4554	172	26	concerning	concern	VERB
ajfti-4554	172	27	within	within	ADP
ajfti-4554	172	28	emerging	emerge	VERB
ajfti-4554	172	29	markets	market	NOUN
ajfti-4554	172	30	,	,	PUNCT
ajfti-4554	172	31	as	as	SCONJ
ajfti-4554	172	32	cybersecurity	cybersecurity	NOUN
ajfti-4554	172	33	remains	remain	VERB
ajfti-4554	172	34	an	an	DET
ajfti-4554	172	35	important	important	ADJ
ajfti-4554	172	36	concern	concern	NOUN
ajfti-4554	172	37	.	.	PUNCT
ajfti-4554	173	1	to	to	PART
ajfti-4554	173	2	keep	keep	VERB
ajfti-4554	173	3	users	user	NOUN
ajfti-4554	173	4	from	from	ADP
ajfti-4554	173	5	extending	extend	VERB
ajfti-4554	173	6	the	the	DET
ajfti-4554	173	7	threat	threat	NOUN
ajfti-4554	173	8	from	from	ADP
ajfti-4554	173	9	cyber	cyber	NOUN
ajfti-4554	173	10	,	,	PUNCT
ajfti-4554	173	11	governments	government	NOUN
ajfti-4554	173	12	must	must	AUX
ajfti-4554	173	13	impose	impose	VERB
ajfti-4554	173	14	tougher	tough	ADJ
ajfti-4554	173	15	data	datum	NOUN
ajfti-4554	173	16	encryption	encryption	NOUN
ajfti-4554	173	17	mandates	mandate	NOUN
ajfti-4554	173	18	,	,	PUNCT
ajfti-4554	173	19	fraud	fraud	NOUN
ajfti-4554	173	20	prevention	prevention	NOUN
ajfti-4554	173	21	protocols	protocol	NOUN
ajfti-4554	173	22	,	,	PUNCT
ajfti-4554	173	23	etc	etc	X
ajfti-4554	173	24	.	.	X
ajfti-4554	173	25	standardized	standardized	ADJ
ajfti-4554	173	26	regulations	regulation	NOUN
ajfti-4554	173	27	such	such	ADJ
ajfti-4554	173	28	as	as	ADP
ajfti-4554	173	29	the	the	DET
ajfti-4554	173	30	payment	payment	NOUN
ajfti-4554	173	31	services	service	NOUN
ajfti-4554	173	32	directive	directive	NOUN
ajfti-4554	173	33	2	2	NUM
ajfti-4554	173	34	(	(	PUNCT
ajfti-4554	173	35	psd2	psd2	PROPN
ajfti-4554	173	36	)	)	PUNCT
ajfti-4554	173	37	can	can	AUX
ajfti-4554	173	38	help	help	VERB
ajfti-4554	173	39	in	in	ADP
ajfti-4554	173	40	digital	digital	ADJ
ajfti-4554	173	41	payment	payment	NOUN
ajfti-4554	173	42	security	security	NOUN
ajfti-4554	173	43	as	as	ADV
ajfti-4554	173	44	well	well	ADV
ajfti-4554	173	45	as	as	ADP
ajfti-4554	173	46	interoperable	interoperable	ADJ
ajfti-4554	173	47	and	and	CCONJ
ajfti-4554	173	48	seamless	seamless	ADJ
ajfti-4554	173	49	transactions	transaction	NOUN
ajfti-4554	173	50	on	on	ADP
ajfti-4554	173	51	a	a	DET
ajfti-4554	173	52	global	global	ADJ
ajfti-4554	173	53	level	level	NOUN
ajfti-4554	173	54	(	(	PUNCT
ajfti-4554	173	55	ballaji	ballaji	NOUN
ajfti-4554	173	56	,	,	PUNCT
ajfti-4554	173	57	2024	2024	NUM
ajfti-4554	173	58	)	)	PUNCT
ajfti-4554	173	59	.	.	PUNCT
ajfti-4554	174	1	one	one	NUM
ajfti-4554	174	2	of	of	ADP
ajfti-4554	174	3	the	the	DET
ajfti-4554	174	4	most	most	ADV
ajfti-4554	174	5	important	important	ADJ
ajfti-4554	174	6	things	thing	NOUN
ajfti-4554	174	7	that	that	PRON
ajfti-4554	174	8	will	will	AUX
ajfti-4554	174	9	help	help	VERB
ajfti-4554	174	10	build	build	VERB
ajfti-4554	174	11	trust	trust	NOUN
ajfti-4554	174	12	and	and	CCONJ
ajfti-4554	174	13	make	make	VERB
ajfti-4554	174	14	certain	certain	ADJ
ajfti-4554	174	15	that	that	SCONJ
ajfti-4554	174	16	every	every	DET
ajfti-4554	174	17	user	user	NOUN
ajfti-4554	174	18	in	in	ADP
ajfti-4554	174	19	the	the	DET
ajfti-4554	174	20	network	network	NOUN
ajfti-4554	174	21	,	,	PUNCT
ajfti-4554	174	22	including	include	VERB
ajfti-4554	174	23	those	those	PRON
ajfti-4554	174	24	located	locate	VERB
ajfti-4554	174	25	in	in	ADP
ajfti-4554	174	26	underserved	underserved	ADJ
ajfti-4554	174	27	regions	region	NOUN
ajfti-4554	174	28	,	,	PUNCT
ajfti-4554	174	29	can	can	AUX
ajfti-4554	174	30	safely	safely	ADV
ajfti-4554	174	31	and	and	CCONJ
ajfti-4554	174	32	reliably	reliably	ADV
ajfti-4554	174	33	transact	transact	VERB
ajfti-4554	174	34	digitally	digitally	ADV
ajfti-4554	174	35	will	will	AUX
ajfti-4554	174	36	be	be	AUX
ajfti-4554	174	37	strengthening	strengthen	VERB
ajfti-4554	174	38	the	the	DET
ajfti-4554	174	39	dispute	dispute	NOUN
ajfti-4554	174	40	resolution	resolution	NOUN
ajfti-4554	174	41	mechanisms	mechanism	NOUN
ajfti-4554	174	42	,	,	PUNCT
ajfti-4554	174	43	fraud	fraud	NOUN
ajfti-4554	174	44	prevention	prevention	NOUN
ajfti-4554	174	45	platforms	platform	NOUN
ajfti-4554	174	46	and	and	CCONJ
ajfti-4554	174	47	financial	financial	ADJ
ajfti-4554	174	48	literacy	literacy	NOUN
ajfti-4554	174	49	programs	program	NOUN
ajfti-4554	174	50	(	(	PUNCT
ajfti-4554	174	51	olipane	olipane	PROPN
ajfti-4554	174	52	&	&	CCONJ
ajfti-4554	174	53	inocencio	inocencio	NOUN
ajfti-4554	174	54	,	,	PUNCT
ajfti-4554	174	55	2023	2023	NUM
ajfti-4554	174	56	)	)	PUNCT
ajfti-4554	174	57	.	.	PUNCT
ajfti-4554	175	1	the	the	DET
ajfti-4554	175	2	development	development	NOUN
ajfti-4554	175	3	of	of	ADP
ajfti-4554	175	4	a	a	DET
ajfti-4554	175	5	resilient	resilient	ADJ
ajfti-4554	175	6	,	,	PUNCT
ajfti-4554	175	7	inclusive	inclusive	ADJ
ajfti-4554	175	8	digital	digital	ADJ
ajfti-4554	175	9	payment	payment	NOUN
ajfti-4554	175	10	ecosystem	ecosystem	NOUN
ajfti-4554	175	11	that	that	PRON
ajfti-4554	175	12	tapers	taper	VERB
ajfti-4554	175	13	off	off	ADP
ajfti-4554	175	14	with	with	ADP
ajfti-4554	175	15	dependence	dependence	NOUN
ajfti-4554	175	16	on	on	ADP
ajfti-4554	175	17	the	the	DET
ajfti-4554	175	18	needs	need	NOUN
ajfti-4554	175	19	of	of	ADP
ajfti-4554	175	20	both	both	PRON
ajfti-4554	175	21	developed	develop	VERB
ajfti-4554	175	22	and	and	CCONJ
ajfti-4554	175	23	emerging	emerge	VERB
ajfti-4554	175	24	economies	economy	NOUN
ajfti-4554	175	25	will	will	AUX
ajfti-4554	175	26	need	need	VERB
ajfti-4554	175	27	to	to	PART
ajfti-4554	175	28	take	take	VERB
ajfti-4554	175	29	a	a	DET
ajfti-4554	175	30	collaborative	collaborative	ADJ
ajfti-4554	175	31	approach	approach	NOUN
ajfti-4554	175	32	of	of	ADP
ajfti-4554	175	33	government	government	NOUN
ajfti-4554	175	34	,	,	PUNCT
ajfti-4554	175	35	financial	financial	ADJ
ajfti-4554	175	36	institutions	institution	NOUN
ajfti-4554	175	37	and	and	CCONJ
ajfti-4554	175	38	technology	technology	NOUN
ajfti-4554	175	39	providers	provider	NOUN
ajfti-4554	175	40	.	.	PUNCT
ajfti-4554	176	1	comparative	comparative	ADJ
ajfti-4554	176	2	analysis	analysis	NOUN
ajfti-4554	176	3	of	of	ADP
ajfti-4554	176	4	contactless	contactless	ADJ
ajfti-4554	176	5	payment	payment	NOUN
ajfti-4554	176	6	adoption	adoption	NOUN
ajfti-4554	176	7	in	in	ADP
ajfti-4554	176	8	developed	develop	VERB
ajfti-4554	176	9	and	and	CCONJ
ajfti-4554	176	10	emerging	emerge	VERB
ajfti-4554	176	11	economies	economy	NOUN
ajfti-4554	176	12	a	a	DET
ajfti-4554	176	13	comparative	comparative	ADJ
ajfti-4554	176	14	analysis	analysis	NOUN
ajfti-4554	176	15	of	of	ADP
ajfti-4554	176	16	contactless	contactless	ADJ
ajfti-4554	176	17	payment	payment	NOUN
ajfti-4554	176	18	adoption	adoption	NOUN
ajfti-4554	176	19	between	between	ADP
ajfti-4554	176	20	developed	develop	VERB
ajfti-4554	176	21	and	and	CCONJ
ajfti-4554	176	22	emerging	emerge	VERB
ajfti-4554	176	23	economies	economy	NOUN
ajfti-4554	176	24	reveals	reveal	VERB
ajfti-4554	176	25	distinct	distinct	ADJ
ajfti-4554	176	26	trends	trend	NOUN
ajfti-4554	176	27	,	,	PUNCT
ajfti-4554	176	28	priorities	priority	NOUN
ajfti-4554	176	29	,	,	PUNCT
ajfti-4554	176	30	and	and	CCONJ
ajfti-4554	176	31	challenges	challenge	NOUN
ajfti-4554	176	32	.	.	PUNCT
ajfti-4554	177	1	contactless	contactless	ADJ
ajfti-4554	177	2	payment	payment	NOUN
ajfti-4554	177	3	systems	system	NOUN
ajfti-4554	177	4	are	be	AUX
ajfti-4554	177	5	almost	almost	ADV
ajfti-4554	177	6	completely	completely	ADV
ajfti-4554	177	7	integrated	integrate	VERB
ajfti-4554	177	8	into	into	ADP
ajfti-4554	177	9	developed	develop	VERB
ajfti-4554	177	10	markets	market	NOUN
ajfti-4554	177	11	such	such	ADJ
ajfti-4554	177	12	as	as	ADP
ajfti-4554	177	13	the	the	DET
ajfti-4554	177	14	uk	uk	PROPN
ajfti-4554	177	15	,	,	PUNCT
ajfti-4554	177	16	the	the	DET
ajfti-4554	177	17	us	us	PROPN
ajfti-4554	177	18	,	,	PUNCT
ajfti-4554	177	19	the	the	DET
ajfti-4554	177	20	eu	eu	PROPN
ajfti-4554	177	21	and	and	CCONJ
ajfti-4554	177	22	australia	australia	PROPN
ajfti-4554	177	23	,	,	PUNCT
ajfti-4554	177	24	and	and	CCONJ
ajfti-4554	177	25	adoption	adoption	NOUN
ajfti-4554	177	26	rates	rate	NOUN
ajfti-4554	177	27	are	be	AUX
ajfti-4554	177	28	high	high	ADJ
ajfti-4554	177	29	.	.	PUNCT
ajfti-4554	178	1	robust	robust	ADJ
ajfti-4554	178	2	financial	financial	ADJ
ajfti-4554	178	3	infrastructure	infrastructure	NOUN
ajfti-4554	178	4	,	,	PUNCT
ajfti-4554	178	5	stable	stable	ADJ
ajfti-4554	178	6	internet	internet	NOUN
ajfti-4554	178	7	connectivity	connectivity	NOUN
ajfti-4554	178	8	and	and	CCONJ
ajfti-4554	178	9	strong	strong	ADJ
ajfti-4554	178	10	regulatory	regulatory	ADJ
ajfti-4554	178	11	compliance	compliance	NOUN
ajfti-4554	178	12	are	be	AUX
ajfti-4554	178	13	among	among	ADP
ajfti-4554	178	14	the	the	DET
ajfti-4554	178	15	factors	factor	NOUN
ajfti-4554	178	16	that	that	PRON
ajfti-4554	178	17	lead	lead	VERB
ajfti-4554	178	18	economies	economy	NOUN
ajfti-4554	178	19	to	to	PART
ajfti-4554	178	20	benefit	benefit	VERB
ajfti-4554	178	21	from	from	ADP
ajfti-4554	178	22	robust	robust	ADJ
ajfti-4554	178	23	financial	financial	ADJ
ajfti-4554	178	24	infrastructure	infrastructure	NOUN
ajfti-4554	178	25	,	,	PUNCT
ajfti-4554	178	26	stable	stable	ADJ
ajfti-4554	178	27	internet	internet	NOUN
ajfti-4554	178	28	connectivity	connectivity	NOUN
ajfti-4554	178	29	and	and	CCONJ
ajfti-4554	178	30	strong	strong	ADJ
ajfti-4554	178	31	pa	pa	PROPN
ajfti-4554	178	32	ge	ge	PROPN
ajfti-4554	178	33	86	86	NUM
ajfti-4554	178	34	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4554	178	35	am	be	AUX
ajfti-4554	178	36	.	.	PUNCT
ajfti-4554	179	1	j.	j.	PROPN
ajfti-4554	179	2	financ	financ	PROPN
ajfti-4554	179	3	.	.	PUNCT
ajfti-4554	180	1	technol	technol	PROPN
ajfti-4554	180	2	.	.	PUNCT
ajfti-4554	180	3	innov	innov	PROPN
ajfti-4554	180	4	.	.	PUNCT
ajfti-4554	181	1	3(1	3(1	NUM
ajfti-4554	181	2	)	)	PUNCT
ajfti-4554	181	3	81	81	NUM
ajfti-4554	181	4	-	-	SYM
ajfti-4554	181	5	88	88	NUM
ajfti-4554	181	6	,	,	PUNCT
ajfti-4554	181	7	2025	2025	NUM
ajfti-4554	181	8	regulatory	regulatory	ADJ
ajfti-4554	181	9	compliance	compliance	NOUN
ajfti-4554	181	10	will	will	AUX
ajfti-4554	181	11	make	make	VERB
ajfti-4554	181	12	these	these	DET
ajfti-4554	181	13	economies	economy	NOUN
ajfti-4554	181	14	to	to	PART
ajfti-4554	181	15	be	be	AUX
ajfti-4554	181	16	trusted	trust	VERB
ajfti-4554	181	17	and	and	CCONJ
ajfti-4554	181	18	convenient	convenient	ADJ
ajfti-4554	181	19	to	to	ADP
ajfti-4554	181	20	their	their	PRON
ajfti-4554	181	21	users	user	NOUN
ajfti-4554	181	22	(	(	PUNCT
ajfti-4554	181	23	bezhovski	bezhovski	PROPN
ajfti-4554	181	24	,	,	PUNCT
ajfti-4554	181	25	2016	2016	NUM
ajfti-4554	181	26	)	)	PUNCT
ajfti-4554	181	27	.	.	PUNCT
ajfti-4554	182	1	these	these	DET
ajfti-4554	182	2	regions	region	NOUN
ajfti-4554	182	3	are	be	AUX
ajfti-4554	182	4	heavily	heavily	ADV
ajfti-4554	182	5	invested	invest	VERB
ajfti-4554	182	6	in	in	ADP
ajfti-4554	182	7	their	their	PRON
ajfti-4554	182	8	financial	financial	ADJ
ajfti-4554	182	9	institutions	institution	NOUN
ajfti-4554	182	10	to	to	PART
ajfti-4554	182	11	have	have	VERB
ajfti-4554	182	12	the	the	DET
ajfti-4554	182	13	latest	late	ADJ
ajfti-4554	182	14	and	and	CCONJ
ajfti-4554	182	15	most	most	ADV
ajfti-4554	182	16	advanced	advanced	ADJ
ajfti-4554	182	17	security	security	NOUN
ajfti-4554	182	18	frameworks	framework	NOUN
ajfti-4554	182	19	,	,	PUNCT
ajfti-4554	182	20	such	such	ADJ
ajfti-4554	182	21	as	as	ADP
ajfti-4554	182	22	multi	multi	ADJ
ajfti-4554	182	23	factor	factor	NOUN
ajfti-4554	182	24	authentication	authentication	NOUN
ajfti-4554	182	25	(	(	PUNCT
ajfti-4554	182	26	mfa	mfa	PROPN
ajfti-4554	182	27	)	)	PUNCT
ajfti-4554	182	28	and	and	CCONJ
ajfti-4554	182	29	encryption	encryption	NOUN
ajfti-4554	182	30	protocols	protocol	NOUN
ajfti-4554	182	31	,	,	PUNCT
ajfti-4554	182	32	making	make	VERB
ajfti-4554	182	33	it	it	PRON
ajfti-4554	182	34	highly	highly	ADV
ajfti-4554	182	35	safe	safe	ADJ
ajfti-4554	182	36	for	for	SCONJ
ajfti-4554	182	37	the	the	DET
ajfti-4554	182	38	consumers	consumer	NOUN
ajfti-4554	182	39	to	to	PART
ajfti-4554	182	40	use	use	VERB
ajfti-4554	182	41	this	this	DET
ajfti-4554	182	42	kind	kind	NOUN
ajfti-4554	182	43	of	of	ADP
ajfti-4554	182	44	banking	banking	NOUN
ajfti-4554	182	45	.	.	PUNCT
ajfti-4554	183	1	secure	secure	ADJ
ajfti-4554	183	2	payment	payment	NOUN
ajfti-4554	183	3	practices	practice	NOUN
ajfti-4554	183	4	such	such	ADJ
ajfti-4554	183	5	as	as	ADP
ajfti-4554	183	6	those	those	PRON
ajfti-4554	183	7	enforced	enforce	VERB
ajfti-4554	183	8	by	by	ADP
ajfti-4554	183	9	the	the	DET
ajfti-4554	183	10	european	european	PROPN
ajfti-4554	183	11	union	union	PROPN
ajfti-4554	183	12	’s	’s	PART
ajfti-4554	183	13	payment	payment	NOUN
ajfti-4554	183	14	services	service	NOUN
ajfti-4554	183	15	directive	directive	NOUN
ajfti-4554	183	16	2	2	NUM
ajfti-4554	183	17	(	(	PUNCT
ajfti-4554	183	18	psd2	psd2	PROPN
ajfti-4554	183	19	)	)	PUNCT
ajfti-4554	183	20	have	have	AUX
ajfti-4554	183	21	allowed	allow	VERB
ajfti-4554	183	22	for	for	SCONJ
ajfti-4554	183	23	transactions	transaction	NOUN
ajfti-4554	183	24	to	to	PART
ajfti-4554	183	25	remain	remain	VERB
ajfti-4554	183	26	seamless	seamless	ADJ
ajfti-4554	183	27	and	and	CCONJ
ajfti-4554	183	28	efficient	efficient	ADJ
ajfti-4554	183	29	(	(	PUNCT
ajfti-4554	183	30	harkai	harkai	NOUN
ajfti-4554	183	31	,	,	PUNCT
ajfti-4554	183	32	2024	2024	NUM
ajfti-4554	183	33	)	)	PUNCT
ajfti-4554	183	34	.	.	PUNCT
ajfti-4554	184	1	on	on	ADP
ajfti-4554	184	2	the	the	DET
ajfti-4554	184	3	other	other	ADJ
ajfti-4554	184	4	hand	hand	NOUN
ajfti-4554	184	5	,	,	PUNCT
ajfti-4554	184	6	in	in	ADP
ajfti-4554	184	7	markets	market	NOUN
ajfti-4554	184	8	that	that	PRON
ajfti-4554	184	9	are	be	AUX
ajfti-4554	184	10	emerging	emerge	VERB
ajfti-4554	184	11	such	such	ADJ
ajfti-4554	184	12	as	as	ADP
ajfti-4554	184	13	india	india	PROPN
ajfti-4554	184	14	,	,	PUNCT
ajfti-4554	184	15	nigeria	nigeria	PROPN
ajfti-4554	184	16	and	and	CCONJ
ajfti-4554	184	17	brazil	brazil	PROPN
ajfti-4554	184	18	,	,	PUNCT
ajfti-4554	184	19	contactless	contactless	NOUN
ajfti-4554	184	20	payments	payment	NOUN
ajfti-4554	184	21	are	be	AUX
ajfti-4554	184	22	also	also	ADV
ajfti-4554	184	23	picking	pick	VERB
ajfti-4554	184	24	up	up	ADP
ajfti-4554	184	25	rapidly	rapidly	ADV
ajfti-4554	184	26	but	but	CCONJ
ajfti-4554	184	27	mostly	mostly	ADV
ajfti-4554	184	28	out	out	ADP
ajfti-4554	184	29	of	of	ADP
ajfti-4554	184	30	necessity	necessity	NOUN
ajfti-4554	184	31	rather	rather	ADV
ajfti-4554	184	32	than	than	ADP
ajfti-4554	184	33	convenience	convenience	NOUN
ajfti-4554	184	34	.	.	PUNCT
ajfti-4554	185	1	there	there	PRON
ajfti-4554	185	2	is	be	VERB
ajfti-4554	185	3	a	a	DET
ajfti-4554	185	4	large	large	ADJ
ajfti-4554	185	5	number	number	NOUN
ajfti-4554	185	6	of	of	ADP
ajfti-4554	185	7	people	people	NOUN
ajfti-4554	185	8	who	who	PRON
ajfti-4554	185	9	are	be	AUX
ajfti-4554	185	10	unbanked	unbanked	ADJ
ajfti-4554	185	11	or	or	CCONJ
ajfti-4554	185	12	underbanked	underbanked	ADJ
ajfti-4554	185	13	and	and	CCONJ
ajfti-4554	185	14	digital	digital	ADJ
ajfti-4554	185	15	payments	payment	NOUN
ajfti-4554	185	16	are	be	AUX
ajfti-4554	185	17	a	a	DET
ajfti-4554	185	18	key	key	ADJ
ajfti-4554	185	19	way	way	NOUN
ajfti-4554	185	20	for	for	ADP
ajfti-4554	185	21	financial	financial	ADJ
ajfti-4554	185	22	inclusion	inclusion	NOUN
ajfti-4554	185	23	.	.	PUNCT
ajfti-4554	186	1	these	these	DET
ajfti-4554	186	2	governments	government	NOUN
ajfti-4554	186	3	in	in	ADP
ajfti-4554	186	4	such	such	ADJ
ajfti-4554	186	5	economies	economy	NOUN
ajfti-4554	186	6	have	have	AUX
ajfti-4554	186	7	actively	actively	ADV
ajfti-4554	186	8	encouraged	encourage	VERB
ajfti-4554	186	9	mobile	mobile	ADJ
ajfti-4554	186	10	payment	payment	NOUN
ajfti-4554	186	11	solutions	solution	NOUN
ajfti-4554	186	12	(	(	PUNCT
ajfti-4554	186	13	mishra	mishra	PROPN
ajfti-4554	186	14	,	,	PUNCT
ajfti-4554	186	15	et	et	PROPN
ajfti-4554	186	16	al	al	PROPN
ajfti-4554	186	17	.	.	PROPN
ajfti-4554	186	18	,	,	PUNCT
ajfti-4554	186	19	2024	2024	NUM
ajfti-4554	186	20	)	)	PUNCT
ajfti-4554	186	21	,	,	PUNCT
ajfti-4554	186	22	for	for	ADP
ajfti-4554	186	23	instance	instance	NOUN
ajfti-4554	186	24	,	,	PUNCT
ajfti-4554	186	25	unified	unified	ADJ
ajfti-4554	186	26	payments	payment	NOUN
ajfti-4554	186	27	interface	interface	NOUN
ajfti-4554	186	28	(	(	PUNCT
ajfti-4554	186	29	upi	upi	PROPN
ajfti-4554	186	30	)	)	PUNCT
ajfti-4554	186	31	in	in	ADP
ajfti-4554	186	32	india	india	PROPN
ajfti-4554	186	33	has	have	AUX
ajfti-4554	186	34	contributed	contribute	VERB
ajfti-4554	186	35	significantly	significantly	ADV
ajfti-4554	186	36	to	to	ADP
ajfti-4554	186	37	the	the	DET
ajfti-4554	186	38	spurt	spurt	NOUN
ajfti-4554	186	39	in	in	ADP
ajfti-4554	186	40	digital	digital	ADJ
ajfti-4554	186	41	transactions	transaction	NOUN
ajfti-4554	186	42	providing	provide	VERB
ajfti-4554	186	43	a	a	DET
ajfti-4554	186	44	low	low	ADJ
ajfti-4554	186	45	cost	cost	NOUN
ajfti-4554	186	46	and	and	CCONJ
ajfti-4554	186	47	easy	easy	ADJ
ajfti-4554	186	48	alternative	alternative	NOUN
ajfti-4554	186	49	to	to	ADP
ajfti-4554	186	50	conventional	conventional	ADJ
ajfti-4554	186	51	banking	banking	NOUN
ajfti-4554	186	52	.	.	PUNCT
ajfti-4554	187	1	while	while	SCONJ
ajfti-4554	187	2	these	these	DET
ajfti-4554	187	3	regions	region	NOUN
ajfti-4554	187	4	have	have	VERB
ajfti-4554	187	5	critical	critical	ADJ
ajfti-4554	187	6	security	security	NOUN
ajfti-4554	187	7	challenges	challenge	NOUN
ajfti-4554	187	8	including	include	VERB
ajfti-4554	187	9	fraud	fraud	NOUN
ajfti-4554	187	10	,	,	PUNCT
ajfti-4554	187	11	identity	identity	NOUN
ajfti-4554	187	12	theft	theft	NOUN
ajfti-4554	187	13	and	and	CCONJ
ajfti-4554	187	14	weak	weak	ADJ
ajfti-4554	187	15	enforcement	enforcement	NOUN
ajfti-4554	187	16	of	of	ADP
ajfti-4554	187	17	cybersecurity	cybersecurity	NOUN
ajfti-4554	187	18	regulations	regulation	NOUN
ajfti-4554	187	19	(	(	PUNCT
ajfti-4554	187	20	oyewole	oyewole	NOUN
ajfti-4554	187	21	et	et	PROPN
ajfti-4554	187	22	al	al	PROPN
ajfti-4554	187	23	.	.	PROPN
ajfti-4554	187	24	,	,	PUNCT
ajfti-4554	187	25	2024	2024	NUM
ajfti-4554	187	26	)	)	PUNCT
ajfti-4554	187	27	,	,	PUNCT
ajfti-4554	187	28	they	they	PRON
ajfti-4554	187	29	face	face	VERB
ajfti-4554	187	30	high	high	ADJ
ajfti-4554	187	31	barriers	barrier	NOUN
ajfti-4554	187	32	to	to	ADP
ajfti-4554	187	33	adoption	adoption	NOUN
ajfti-4554	187	34	of	of	ADP
ajfti-4554	187	35	smart	smart	ADJ
ajfti-4554	187	36	technology	technology	NOUN
ajfti-4554	187	37	due	due	ADP
ajfti-4554	187	38	to	to	ADP
ajfti-4554	187	39	the	the	DET
ajfti-4554	187	40	absence	absence	NOUN
ajfti-4554	187	41	of	of	ADP
ajfti-4554	187	42	a	a	DET
ajfti-4554	187	43	large	large	ADJ
ajfti-4554	187	44	middle	middle	ADJ
ajfti-4554	187	45	class	class	NOUN
ajfti-4554	187	46	.	.	PUNCT
ajfti-4554	188	1	lack	lack	NOUN
ajfti-4554	188	2	of	of	ADP
ajfti-4554	188	3	standardized	standardized	ADJ
ajfti-4554	188	4	fraud	fraud	NOUN
ajfti-4554	188	5	detection	detection	NOUN
ajfti-4554	188	6	system	system	NOUN
ajfti-4554	188	7	and	and	CCONJ
ajfti-4554	188	8	inconsistent	inconsistent	ADJ
ajfti-4554	188	9	regulatory	regulatory	ADJ
ajfti-4554	188	10	policies	policy	NOUN
ajfti-4554	188	11	have	have	AUX
ajfti-4554	188	12	contributed	contribute	VERB
ajfti-4554	188	13	to	to	ADP
ajfti-4554	188	14	the	the	DET
ajfti-4554	188	15	distrust	distrust	NOUN
ajfti-4554	188	16	of	of	ADP
ajfti-4554	188	17	digital	digital	ADJ
ajfti-4554	188	18	financial	financial	ADJ
ajfti-4554	188	19	services	service	NOUN
ajfti-4554	188	20	by	by	ADP
ajfti-4554	188	21	the	the	DET
ajfti-4554	188	22	consumers	consumer	NOUN
ajfti-4554	188	23	(	(	PUNCT
ajfti-4554	188	24	lathiya	lathiya	PROPN
ajfti-4554	188	25	&	&	CCONJ
ajfti-4554	188	26	wang	wang	PROPN
ajfti-4554	188	27	,	,	PUNCT
ajfti-4554	188	28	2021	2021	NUM
ajfti-4554	188	29	)	)	PUNCT
ajfti-4554	188	30	.	.	PUNCT
ajfti-4554	189	1	there	there	PRON
ajfti-4554	189	2	is	be	VERB
ajfti-4554	189	3	also	also	ADV
ajfti-4554	189	4	the	the	DET
ajfti-4554	189	5	factor	factor	NOUN
ajfti-4554	189	6	of	of	ADP
ajfti-4554	189	7	infrastructure	infrastructure	NOUN
ajfti-4554	189	8	inequalities	inequality	NOUN
ajfti-4554	189	9	that	that	PRON
ajfti-4554	189	10	further	far	ADV
ajfti-4554	189	11	widens	widen	VERB
ajfti-4554	189	12	the	the	DET
ajfti-4554	189	13	adoption	adoption	NOUN
ajfti-4554	189	14	gap	gap	NOUN
ajfti-4554	189	15	between	between	ADP
ajfti-4554	189	16	the	the	DET
ajfti-4554	189	17	developed	develop	VERB
ajfti-4554	189	18	and	and	CCONJ
ajfti-4554	189	19	the	the	DET
ajfti-4554	189	20	developing	develop	VERB
ajfti-4554	189	21	markets	market	NOUN
ajfti-4554	189	22	.	.	PUNCT
ajfti-4554	190	1	in	in	ADP
ajfti-4554	190	2	developed	develop	VERB
ajfti-4554	190	3	economies	economy	NOUN
ajfti-4554	190	4	,	,	PUNCT
ajfti-4554	190	5	there	there	PRON
ajfti-4554	190	6	is	be	VERB
ajfti-4554	190	7	high	high	ADJ
ajfti-4554	190	8	speed	speed	NOUN
ajfti-4554	190	9	internet	internet	NOUN
ajfti-4554	190	10	,	,	PUNCT
ajfti-4554	190	11	extensive	extensive	ADJ
ajfti-4554	190	12	banking	banking	NOUN
ajfti-4554	190	13	network	network	NOUN
ajfti-4554	190	14	and	and	CCONJ
ajfti-4554	190	15	advanced	advanced	ADJ
ajfti-4554	190	16	financial	financial	ADJ
ajfti-4554	190	17	services	service	NOUN
ajfti-4554	190	18	,	,	PUNCT
ajfti-4554	190	19	facilitating	facilitate	VERB
ajfti-4554	190	20	smooth	smooth	ADJ
ajfti-4554	190	21	digital	digital	ADJ
ajfti-4554	190	22	transactions	transaction	NOUN
ajfti-4554	190	23	(	(	PUNCT
ajfti-4554	190	24	marikyan	marikyan	NOUN
ajfti-4554	190	25	&	&	CCONJ
ajfti-4554	190	26	papagiannidis	papagiannidis	PROPN
ajfti-4554	190	27	,	,	PUNCT
ajfti-4554	190	28	2024	2024	NUM
ajfti-4554	190	29	)	)	PUNCT
ajfti-4554	190	30	.	.	PUNCT
ajfti-4554	191	1	however	however	ADV
ajfti-4554	191	2	,	,	PUNCT
ajfti-4554	191	3	contactless	contactless	ADJ
ajfti-4554	191	4	payment	payment	NOUN
ajfti-4554	191	5	systems	system	NOUN
ajfti-4554	191	6	(	(	PUNCT
ajfti-4554	191	7	mohammed	mohammed	PROPN
ajfti-4554	191	8	,	,	PUNCT
ajfti-4554	191	9	2025	2025	NUM
ajfti-4554	191	10	)	)	PUNCT
ajfti-4554	191	11	can	can	AUX
ajfti-4554	191	12	not	not	PART
ajfti-4554	191	13	be	be	AUX
ajfti-4554	191	14	broadly	broadly	ADV
ajfti-4554	191	15	used	use	VERB
ajfti-4554	191	16	in	in	ADP
ajfti-4554	191	17	emerging	emerge	VERB
ajfti-4554	191	18	economies	economy	NOUN
ajfti-4554	191	19	with	with	ADP
ajfti-4554	191	20	poor	poor	ADJ
ajfti-4554	191	21	internet	internet	NOUN
ajfti-4554	191	22	connectivity	connectivity	NOUN
ajfti-4554	191	23	,	,	PUNCT
ajfti-4554	191	24	unreliable	unreliable	ADJ
ajfti-4554	191	25	mobile	mobile	ADJ
ajfti-4554	191	26	networks	network	NOUN
ajfti-4554	191	27	,	,	PUNCT
ajfti-4554	191	28	and	and	CCONJ
ajfti-4554	191	29	digital	digital	PROPN
ajfti-4554	191	30	illiteracy	illiteracy	NOUN
ajfti-4554	191	31	.	.	PUNCT
ajfti-4554	192	1	barriers	barrier	NOUN
ajfti-4554	192	2	of	of	ADP
ajfti-4554	192	3	this	this	DET
ajfti-4554	192	4	technology	technology	NOUN
ajfti-4554	192	5	just	just	ADV
ajfti-4554	192	6	lead	lead	VERB
ajfti-4554	192	7	to	to	ADP
ajfti-4554	192	8	frequent	frequent	ADJ
ajfti-4554	192	9	transaction	transaction	NOUN
ajfti-4554	192	10	failures	failure	NOUN
ajfti-4554	192	11	,	,	PUNCT
ajfti-4554	192	12	depressing	depress	VERB
ajfti-4554	192	13	consumer	consumer	NOUN
ajfti-4554	192	14	confidence	confidence	NOUN
ajfti-4554	192	15	and	and	CCONJ
ajfti-4554	192	16	slow	slow	ADJ
ajfti-4554	192	17	adoption	adoption	NOUN
ajfti-4554	192	18	.	.	PUNCT
ajfti-4554	193	1	furthermore	furthermore	ADV
ajfti-4554	193	2	,	,	PUNCT
ajfti-4554	193	3	whereas	whereas	SCONJ
ajfti-4554	193	4	trust	trust	NOUN
ajfti-4554	193	5	in	in	ADP
ajfti-4554	193	6	financial	financial	ADJ
ajfti-4554	193	7	institutions	institution	NOUN
ajfti-4554	193	8	among	among	ADP
ajfti-4554	193	9	consumers	consumer	NOUN
ajfti-4554	193	10	in	in	ADP
ajfti-4554	193	11	developed	develop	VERB
ajfti-4554	193	12	markets	market	NOUN
ajfti-4554	193	13	is	be	AUX
ajfti-4554	193	14	high	high	ADJ
ajfti-4554	193	15	,	,	PUNCT
ajfti-4554	193	16	consumer	consumer	NOUN
ajfti-4554	193	17	trust	trust	NOUN
ajfti-4554	193	18	in	in	ADP
ajfti-4554	193	19	emerging	emerge	VERB
ajfti-4554	193	20	markets	market	NOUN
ajfti-4554	193	21	is	be	AUX
ajfti-4554	193	22	low	low	ADJ
ajfti-4554	193	23	due	due	ADP
ajfti-4554	193	24	to	to	PART
ajfti-4554	193	25	fraud	fraud	VERB
ajfti-4554	193	26	risks	risk	NOUN
ajfti-4554	193	27	and	and	CCONJ
ajfti-4554	193	28	unpredictability	unpredictability	NOUN
ajfti-4554	193	29	in	in	ADP
ajfti-4554	193	30	service	service	NOUN
ajfti-4554	193	31	(	(	PUNCT
ajfti-4554	193	32	fathema	fathema	NOUN
ajfti-4554	193	33	et	et	PROPN
ajfti-4554	193	34	al	al	PROPN
ajfti-4554	193	35	.	.	PROPN
ajfti-4554	193	36	,	,	PUNCT
ajfti-4554	193	37	2015	2015	NUM
ajfti-4554	193	38	)	)	PUNCT
ajfti-4554	193	39	.	.	PUNCT
ajfti-4554	194	1	both	both	PRON
ajfti-4554	194	2	developed	develop	VERB
ajfti-4554	194	3	and	and	CCONJ
ajfti-4554	194	4	emerging	emerge	VERB
ajfti-4554	194	5	economies	economy	NOUN
ajfti-4554	194	6	recognize	recognize	VERB
ajfti-4554	194	7	the	the	DET
ajfti-4554	194	8	benefits	benefit	NOUN
ajfti-4554	194	9	of	of	ADP
ajfti-4554	194	10	contactless	contactless	NOUN
ajfti-4554	194	11	payments	payment	NOUN
ajfti-4554	194	12	,	,	PUNCT
ajfti-4554	194	13	but	but	CCONJ
ajfti-4554	194	14	the	the	DET
ajfti-4554	194	15	adoption	adoption	NOUN
ajfti-4554	194	16	of	of	ADP
ajfti-4554	194	17	contactless	contactless	ADJ
ajfti-4554	194	18	payments	payment	NOUN
ajfti-4554	194	19	is	be	AUX
ajfti-4554	194	20	going	go	VERB
ajfti-4554	194	21	to	to	PART
ajfti-4554	194	22	be	be	AUX
ajfti-4554	194	23	very	very	ADV
ajfti-4554	194	24	different	different	ADJ
ajfti-4554	194	25	.	.	PUNCT
ajfti-4554	195	1	efficiency	efficiency	NOUN
ajfti-4554	195	2	,	,	PUNCT
ajfti-4554	195	3	security	security	NOUN
ajfti-4554	195	4	,	,	PUNCT
ajfti-4554	195	5	and	and	CCONJ
ajfti-4554	195	6	compliance	compliance	NOUN
ajfti-4554	195	7	are	be	AUX
ajfti-4554	195	8	the	the	DET
ajfti-4554	195	9	drive	drive	NOUN
ajfti-4554	195	10	for	for	ADP
ajfti-4554	195	11	developing	develop	VERB
ajfti-4554	195	12	markets	market	NOUN
ajfti-4554	195	13	,	,	PUNCT
ajfti-4554	195	14	while	while	SCONJ
ajfti-4554	195	15	financial	financial	ADJ
ajfti-4554	195	16	inclusion	inclusion	NOUN
ajfti-4554	195	17	,	,	PUNCT
ajfti-4554	195	18	affordability	affordability	NOUN
ajfti-4554	195	19	and	and	CCONJ
ajfti-4554	195	20	accessibility	accessibility	NOUN
ajfti-4554	195	21	are	be	AUX
ajfti-4554	195	22	driving	drive	VERB
ajfti-4554	195	23	forces	force	NOUN
ajfti-4554	195	24	for	for	ADP
ajfti-4554	195	25	emerging	emerge	VERB
ajfti-4554	195	26	markets	market	NOUN
ajfti-4554	195	27	.	.	PUNCT
ajfti-4554	196	1	to	to	PART
ajfti-4554	196	2	bridge	bridge	VERB
ajfti-4554	196	3	the	the	DET
ajfti-4554	196	4	global	global	ADJ
ajfti-4554	196	5	digital	digital	ADJ
ajfti-4554	196	6	payment	payment	NOUN
ajfti-4554	196	7	divide	divide	NOUN
ajfti-4554	196	8	,	,	PUNCT
ajfti-4554	196	9	cybersecurity	cybersecurity	NOUN
ajfti-4554	196	10	threats	threat	NOUN
ajfti-4554	196	11	must	must	AUX
ajfti-4554	196	12	be	be	AUX
ajfti-4554	196	13	addressed	address	VERB
ajfti-4554	196	14	,	,	PUNCT
ajfti-4554	196	15	digital	digital	ADJ
ajfti-4554	196	16	literacy	literacy	NOUN
ajfti-4554	196	17	has	have	VERB
ajfti-4554	196	18	to	to	PART
ajfti-4554	196	19	be	be	AUX
ajfti-4554	196	20	improved	improve	VERB
ajfti-4554	196	21	and	and	CCONJ
ajfti-4554	196	22	strengthened	strengthen	VERB
ajfti-4554	196	23	regulatory	regulatory	ADJ
ajfti-4554	196	24	oversight	oversight	NOUN
ajfti-4554	196	25	in	in	ADP
ajfti-4554	196	26	emerging	emerge	VERB
ajfti-4554	196	27	economies	economy	NOUN
ajfti-4554	196	28	will	will	AUX
ajfti-4554	196	29	be	be	AUX
ajfti-4554	196	30	key	key	ADJ
ajfti-4554	196	31	.	.	PUNCT
ajfti-4554	197	1	conclusion	conclusion	NOUN
ajfti-4554	197	2	successful	successful	ADJ
ajfti-4554	197	3	adoption	adoption	NOUN
ajfti-4554	197	4	of	of	ADP
ajfti-4554	197	5	contactless	contactless	ADJ
ajfti-4554	197	6	payments	payment	NOUN
ajfti-4554	197	7	will	will	AUX
ajfti-4554	197	8	greatly	greatly	ADV
ajfti-4554	197	9	depend	depend	VERB
ajfti-4554	197	10	on	on	ADP
ajfti-4554	197	11	a	a	DET
ajfti-4554	197	12	series	series	NOUN
ajfti-4554	197	13	of	of	ADP
ajfti-4554	197	14	strategic	strategic	ADJ
ajfti-4554	197	15	collaborations	collaboration	NOUN
ajfti-4554	197	16	of	of	ADP
ajfti-4554	197	17	governments	government	NOUN
ajfti-4554	197	18	,	,	PUNCT
ajfti-4554	197	19	banks	bank	NOUN
ajfti-4554	197	20	and	and	CCONJ
ajfti-4554	197	21	the	the	DET
ajfti-4554	197	22	fintech	fintech	NOUN
ajfti-4554	197	23	companies	company	NOUN
ajfti-4554	197	24	in	in	ADP
ajfti-4554	197	25	tackling	tackle	VERB
ajfti-4554	197	26	such	such	ADJ
ajfti-4554	197	27	issues	issue	NOUN
ajfti-4554	197	28	as	as	ADP
ajfti-4554	197	29	cybersecurity	cybersecurity	NOUN
ajfti-4554	197	30	risks	risk	NOUN
ajfti-4554	197	31	,	,	PUNCT
ajfti-4554	197	32	compliance	compliance	NOUN
ajfti-4554	197	33	with	with	ADP
ajfti-4554	197	34	the	the	DET
ajfti-4554	197	35	regulation	regulation	NOUN
ajfti-4554	197	36	and	and	CCONJ
ajfti-4554	197	37	consumers	consumer	NOUN
ajfti-4554	197	38	’	'	PUNCT
ajfti-4554	197	39	trust	trust	NOUN
ajfti-4554	197	40	.	.	PUNCT
ajfti-4554	198	1	eliminating	eliminate	VERB
ajfti-4554	198	2	fraudulent	fraudulent	ADJ
ajfti-4554	198	3	and	and	CCONJ
ajfti-4554	198	4	unreliable	unreliable	ADJ
ajfti-4554	198	5	digital	digital	ADJ
ajfti-4554	198	6	payments	payment	NOUN
ajfti-4554	198	7	,	,	PUNCT
ajfti-4554	198	8	or	or	CCONJ
ajfti-4554	198	9	the	the	DET
ajfti-4554	198	10	certainty	certainty	NOUN
ajfti-4554	198	11	that	that	SCONJ
ajfti-4554	198	12	your	your	PRON
ajfti-4554	198	13	payments	payment	NOUN
ajfti-4554	198	14	will	will	AUX
ajfti-4554	198	15	be	be	AUX
ajfti-4554	198	16	complete	complete	ADJ
ajfti-4554	198	17	and	and	CCONJ
ajfti-4554	198	18	received	receive	VERB
ajfti-4554	198	19	,	,	PUNCT
ajfti-4554	198	20	is	be	AUX
ajfti-4554	198	21	becoming	become	VERB
ajfti-4554	198	22	a	a	DET
ajfti-4554	198	23	crucial	crucial	ADJ
ajfti-4554	198	24	issue	issue	NOUN
ajfti-4554	198	25	for	for	ADP
ajfti-4554	198	26	widespread	widespread	ADJ
ajfti-4554	198	27	adoption	adoption	NOUN
ajfti-4554	198	28	of	of	ADP
ajfti-4554	198	29	payments	payment	NOUN
ajfti-4554	198	30	via	via	ADP
ajfti-4554	198	31	the	the	DET
ajfti-4554	198	32	web	web	NOUN
ajfti-4554	198	33	.	.	PUNCT
ajfti-4554	199	1	with	with	ADP
ajfti-4554	199	2	such	such	ADJ
ajfti-4554	199	3	conditions	condition	NOUN
ajfti-4554	199	4	,	,	PUNCT
ajfti-4554	199	5	our	our	PRON
ajfti-4554	199	6	institutions	institution	NOUN
ajfti-4554	199	7	can	can	AUX
ajfti-4554	199	8	further	far	ADV
ajfti-4554	199	9	project	project	VERB
ajfti-4554	199	10	financial	financial	ADJ
ajfti-4554	199	11	security	security	NOUN
ajfti-4554	199	12	by	by	ADP
ajfti-4554	199	13	ensuring	ensure	VERB
ajfti-4554	199	14	that	that	DET
ajfti-4554	199	15	end	end	NOUN
ajfti-4554	199	16	to	to	PART
ajfti-4554	199	17	end	end	VERB
ajfti-4554	199	18	encryption	encryption	NOUN
ajfti-4554	199	19	,	,	PUNCT
ajfti-4554	199	20	biometric	biometric	ADJ
ajfti-4554	199	21	authentication	authentication	NOUN
ajfti-4554	199	22	,	,	PUNCT
ajfti-4554	199	23	and	and	CCONJ
ajfti-4554	199	24	artificial	artificial	ADJ
ajfti-4554	199	25	intelligence	intelligence	NOUN
ajfti-4554	199	26	driven	drive	VERB
ajfti-4554	199	27	fraud	fraud	NOUN
ajfti-4554	199	28	detection	detection	NOUN
ajfti-4554	199	29	systems	system	NOUN
ajfti-4554	199	30	are	be	AUX
ajfti-4554	199	31	part	part	NOUN
ajfti-4554	199	32	of	of	ADP
ajfti-4554	199	33	their	their	PRON
ajfti-4554	199	34	portfolio	portfolio	NOUN
ajfti-4554	199	35	.	.	PUNCT
ajfti-4554	200	1	public	public	ADJ
ajfti-4554	200	2	–	–	PUNCT
ajfti-4554	200	3	private	private	ADJ
ajfti-4554	200	4	partnerships	partnership	NOUN
ajfti-4554	200	5	are	be	AUX
ajfti-4554	200	6	formulations	formulation	NOUN
ajfti-4554	200	7	of	of	ADP
ajfti-4554	200	8	the	the	DET
ajfti-4554	200	9	standardized	standardized	ADJ
ajfti-4554	200	10	cybersecurity	cybersecurity	NOUN
ajfti-4554	200	11	policies	policy	NOUN
ajfti-4554	200	12	that	that	PRON
ajfti-4554	200	13	will	will	AUX
ajfti-4554	200	14	increase	increase	VERB
ajfti-4554	200	15	trust	trust	NOUN
ajfti-4554	200	16	and	and	CCONJ
ajfti-4554	200	17	transparency	transparency	NOUN
ajfti-4554	200	18	,	,	PUNCT
ajfti-4554	200	19	as	as	ADV
ajfti-4554	200	20	well	well	ADV
ajfti-4554	200	21	as	as	ADP
ajfti-4554	200	22	make	make	VERB
ajfti-4554	200	23	our	our	PRON
ajfti-4554	200	24	digital	digital	ADJ
ajfti-4554	200	25	payment	payment	NOUN
ajfti-4554	200	26	ecosystem	ecosystem	NOUN
ajfti-4554	200	27	more	more	ADV
ajfti-4554	200	28	resilient	resilient	ADJ
ajfti-4554	200	29	.	.	PUNCT
ajfti-4554	201	1	coming	come	VERB
ajfti-4554	201	2	to	to	ADP
ajfti-4554	201	3	the	the	DET
ajfti-4554	201	4	point	point	NOUN
ajfti-4554	201	5	,	,	PUNCT
ajfti-4554	201	6	regulatory	regulatory	ADJ
ajfti-4554	201	7	harmonization	harmonization	NOUN
ajfti-4554	201	8	is	be	AUX
ajfti-4554	201	9	a	a	DET
ajfti-4554	201	10	critical	critical	ADJ
ajfti-4554	201	11	factor	factor	NOUN
ajfti-4554	201	12	for	for	ADP
ajfti-4554	201	13	speeding	speed	VERB
ajfti-4554	201	14	up	up	ADP
ajfti-4554	201	15	contactless	contactless	NOUN
ajfti-4554	201	16	payment	payment	NOUN
ajfti-4554	201	17	adoption	adoption	NOUN
ajfti-4554	201	18	,	,	PUNCT
ajfti-4554	201	19	given	give	VERB
ajfti-4554	201	20	the	the	DET
ajfti-4554	201	21	region	region	NOUN
ajfti-4554	201	22	of	of	ADP
ajfti-4554	201	23	the	the	DET
ajfti-4554	201	24	world	world	NOUN
ajfti-4554	201	25	and	and	CCONJ
ajfti-4554	201	26	how	how	SCONJ
ajfti-4554	201	27	fragmented	fragmented	ADJ
ajfti-4554	201	28	policies	policy	NOUN
ajfti-4554	201	29	frequently	frequently	ADV
ajfti-4554	201	30	bring	bring	VERB
ajfti-4554	201	31	in	in	ADP
ajfti-4554	201	32	stumbling	stumble	VERB
ajfti-4554	201	33	blocks	block	NOUN
ajfti-4554	201	34	for	for	ADP
ajfti-4554	201	35	smooth	smooth	ADJ
ajfti-4554	201	36	digital	digital	ADJ
ajfti-4554	201	37	transactions	transaction	NOUN
ajfti-4554	201	38	.	.	PUNCT
ajfti-4554	202	1	the	the	DET
ajfti-4554	202	2	use	use	NOUN
ajfti-4554	202	3	of	of	ADP
ajfti-4554	202	4	psd2	psd2	PROPN
ajfti-4554	202	5	or	or	CCONJ
ajfti-4554	202	6	other	other	ADJ
ajfti-4554	202	7	international	international	ADJ
ajfti-4554	202	8	payment	payment	NOUN
ajfti-4554	202	9	standards	standard	NOUN
ajfti-4554	202	10	helps	help	VERB
ajfti-4554	202	11	the	the	DET
ajfti-4554	202	12	delivery	delivery	NOUN
ajfti-4554	202	13	of	of	ADP
ajfti-4554	202	14	services	service	NOUN
ajfti-4554	202	15	in	in	ADP
ajfti-4554	202	16	line	line	NOUN
ajfti-4554	202	17	with	with	ADP
ajfti-4554	202	18	international	international	ADJ
ajfti-4554	202	19	payment	payment	NOUN
ajfti-4554	202	20	standards	standard	NOUN
ajfti-4554	202	21	such	such	ADJ
ajfti-4554	202	22	as	as	ADP
ajfti-4554	202	23	psd2	psd2	NOUN
ajfti-4554	202	24	and	and	CCONJ
ajfti-4554	202	25	it	it	PRON
ajfti-4554	202	26	provides	provide	VERB
ajfti-4554	202	27	secure	secure	ADJ
ajfti-4554	202	28	payments	payment	NOUN
ajfti-4554	202	29	as	as	ADV
ajfti-4554	202	30	well	well	ADV
ajfti-4554	202	31	as	as	ADP
ajfti-4554	202	32	facilitates	facilitates	AUX
ajfti-4554	202	33	cross	cross	VERB
ajfti-4554	202	34	border	border	NOUN
ajfti-4554	202	35	financial	financial	ADJ
ajfti-4554	202	36	integration	integration	NOUN
ajfti-4554	202	37	.	.	PUNCT
ajfti-4554	203	1	the	the	DET
ajfti-4554	203	2	synergies	synergy	NOUN
ajfti-4554	203	3	between	between	ADP
ajfti-4554	203	4	these	these	DET
ajfti-4554	203	5	alliances	alliance	NOUN
ajfti-4554	203	6	will	will	AUX
ajfti-4554	203	7	lead	lead	VERB
ajfti-4554	203	8	to	to	ADP
ajfti-4554	203	9	global	global	ADJ
ajfti-4554	203	10	guidelines	guideline	NOUN
ajfti-4554	203	11	for	for	ADP
ajfti-4554	203	12	fintech	fintech	NOUN
ajfti-4554	203	13	firms	firm	NOUN
ajfti-4554	203	14	to	to	PART
ajfti-4554	203	15	grow	grow	VERB
ajfti-4554	203	16	technology	technology	NOUN
ajfti-4554	203	17	while	while	SCONJ
ajfti-4554	203	18	protecting	protect	VERB
ajfti-4554	203	19	the	the	DET
ajfti-4554	203	20	consumers	consumer	NOUN
ajfti-4554	203	21	.	.	PUNCT
ajfti-4554	204	1	in	in	ADP
ajfti-4554	204	2	other	other	ADJ
ajfti-4554	204	3	words	word	NOUN
ajfti-4554	204	4	,	,	PUNCT
ajfti-4554	204	5	strengthening	strengthen	VERB
ajfti-4554	204	6	financial	financial	ADJ
ajfti-4554	204	7	regulations	regulation	NOUN
ajfti-4554	204	8	helps	help	VERB
ajfti-4554	204	9	to	to	PART
ajfti-4554	204	10	build	build	VERB
ajfti-4554	204	11	users	user	NOUN
ajfti-4554	204	12	’	’	PART
ajfti-4554	204	13	trust	trust	NOUN
ajfti-4554	204	14	,	,	PUNCT
ajfti-4554	204	15	and	and	CCONJ
ajfti-4554	204	16	digital	digital	ADJ
ajfti-4554	204	17	payment	payment	NOUN
ajfti-4554	204	18	solutions	solution	NOUN
ajfti-4554	204	19	remain	remain	VERB
ajfti-4554	204	20	secure	secure	ADJ
ajfti-4554	204	21	,	,	PUNCT
ajfti-4554	204	22	efficient	efficient	ADJ
ajfti-4554	204	23	and	and	CCONJ
ajfti-4554	204	24	accessible	accessible	ADJ
ajfti-4554	204	25	to	to	ADP
ajfti-4554	204	26	large	large	ADJ
ajfti-4554	204	27	communities	community	NOUN
ajfti-4554	204	28	of	of	ADP
ajfti-4554	204	29	users	user	NOUN
ajfti-4554	204	30	equally	equally	ADV
ajfti-4554	204	31	in	in	ADP
ajfti-4554	204	32	developed	developed	ADJ
ajfti-4554	204	33	and	and	CCONJ
ajfti-4554	204	34	developing	develop	VERB
ajfti-4554	204	35	countries	country	NOUN
ajfti-4554	204	36	.	.	PUNCT
ajfti-4554	205	1	the	the	DET
ajfti-4554	205	2	other	other	ADJ
ajfti-4554	205	3	issues	issue	NOUN
ajfti-4554	205	4	include	include	VERB
ajfti-4554	205	5	security	security	NOUN
ajfti-4554	205	6	and	and	CCONJ
ajfti-4554	205	7	regulation	regulation	NOUN
ajfti-4554	205	8	,	,	PUNCT
ajfti-4554	205	9	and	and	CCONJ
ajfti-4554	205	10	,	,	PUNCT
ajfti-4554	205	11	most	most	ADV
ajfti-4554	205	12	notably	notably	ADV
ajfti-4554	205	13	for	for	ADP
ajfti-4554	205	14	developing	develop	VERB
ajfti-4554	205	15	regions	region	NOUN
ajfti-4554	205	16	,	,	PUNCT
ajfti-4554	205	17	financial	financial	ADJ
ajfti-4554	205	18	inclusion	inclusion	NOUN
ajfti-4554	205	19	.	.	PUNCT
ajfti-4554	206	1	in	in	ADP
ajfti-4554	206	2	emerging	emerge	VERB
ajfti-4554	206	3	markets	market	NOUN
ajfti-4554	206	4	,	,	PUNCT
ajfti-4554	206	5	many	many	ADJ
ajfti-4554	206	6	people	people	NOUN
ajfti-4554	206	7	are	be	AUX
ajfti-4554	206	8	not	not	PART
ajfti-4554	206	9	served	serve	VERB
ajfti-4554	206	10	by	by	ADP
ajfti-4554	206	11	digital	digital	ADJ
ajfti-4554	206	12	financial	financial	ADJ
ajfti-4554	206	13	services	service	NOUN
ajfti-4554	206	14	,	,	PUNCT
ajfti-4554	206	15	therefore	therefore	ADV
ajfti-4554	206	16	,	,	PUNCT
ajfti-4554	206	17	it	it	PRON
ajfti-4554	206	18	is	be	AUX
ajfti-4554	206	19	essential	essential	ADJ
ajfti-4554	206	20	to	to	PART
ajfti-4554	206	21	develop	develop	VERB
ajfti-4554	206	22	digital	digital	ADJ
ajfti-4554	206	23	literacy	literacy	NOUN
ajfti-4554	206	24	programs	program	NOUN
ajfti-4554	206	25	to	to	PART
ajfti-4554	206	26	enable	enable	VERB
ajfti-4554	206	27	users	user	NOUN
ajfti-4554	206	28	to	to	PART
ajfti-4554	206	29	make	make	VERB
ajfti-4554	206	30	secure	secure	VERB
ajfti-4554	206	31	online	online	ADJ
ajfti-4554	206	32	transactions	transaction	NOUN
ajfti-4554	206	33	.	.	PUNCT
ajfti-4554	207	1	to	to	PART
ajfti-4554	207	2	expand	expand	VERB
ajfti-4554	207	3	the	the	DET
ajfti-4554	207	4	role	role	NOUN
ajfti-4554	207	5	of	of	ADP
ajfti-4554	207	6	mobile	mobile	ADJ
ajfti-4554	207	7	banking	banking	NOUN
ajfti-4554	207	8	services	service	NOUN
ajfti-4554	207	9	and	and	CCONJ
ajfti-4554	207	10	promote	promote	VERB
ajfti-4554	207	11	qr	qr	PROPN
ajfti-4554	207	12	based	base	VERB
ajfti-4554	207	13	payments	payment	NOUN
ajfti-4554	207	14	,	,	PUNCT
ajfti-4554	207	15	governments	government	NOUN
ajfti-4554	207	16	and	and	CCONJ
ajfti-4554	207	17	financial	financial	ADJ
ajfti-4554	207	18	institutions	institution	NOUN
ajfti-4554	207	19	need	need	VERB
ajfti-4554	207	20	to	to	PART
ajfti-4554	207	21	come	come	VERB
ajfti-4554	207	22	up	up	ADP
ajfti-4554	207	23	with	with	ADP
ajfti-4554	207	24	initiatives	initiative	NOUN
ajfti-4554	207	25	which	which	PRON
ajfti-4554	207	26	can	can	AUX
ajfti-4554	207	27	propel	propel	VERB
ajfti-4554	207	28	the	the	DET
ajfti-4554	207	29	mobile	mobile	ADJ
ajfti-4554	207	30	banking	banking	NOUN
ajfti-4554	207	31	services	service	NOUN
ajfti-4554	207	32	to	to	PART
ajfti-4554	207	33	include	include	VERB
ajfti-4554	207	34	more	more	ADJ
ajfti-4554	207	35	people	people	NOUN
ajfti-4554	207	36	in	in	ADP
ajfti-4554	207	37	the	the	DET
ajfti-4554	207	38	digital	digital	ADJ
ajfti-4554	207	39	economy	economy	NOUN
ajfti-4554	207	40	.	.	PUNCT
ajfti-4554	208	1	solving	solve	VERB
ajfti-4554	208	2	these	these	DET
ajfti-4554	208	3	barriers	barrier	NOUN
ajfti-4554	208	4	will	will	AUX
ajfti-4554	208	5	help	help	VERB
ajfti-4554	208	6	bring	bring	VERB
ajfti-4554	208	7	the	the	DET
ajfti-4554	208	8	adoption	adoption	NOUN
ajfti-4554	208	9	of	of	ADP
ajfti-4554	208	10	contactless	contactless	ADJ
ajfti-4554	208	11	payment	payment	NOUN
ajfti-4554	208	12	further	far	ADV
ajfti-4554	208	13	and	and	CCONJ
ajfti-4554	208	14	fill	fill	VERB
ajfti-4554	208	15	the	the	DET
ajfti-4554	208	16	gap	gap	NOUN
ajfti-4554	208	17	between	between	ADP
ajfti-4554	208	18	the	the	DET
ajfti-4554	208	19	silicon	silicon	NOUN
ajfti-4554	208	20	valley	valley	NOUN
ajfti-4554	208	21	styled	style	VERB
ajfti-4554	208	22	digital	digital	ADJ
ajfti-4554	208	23	finance	finance	NOUN
ajfti-4554	208	24	offerings	offering	NOUN
ajfti-4554	208	25	of	of	ADP
ajfti-4554	208	26	the	the	DET
ajfti-4554	208	27	developed	developed	ADJ
ajfti-4554	208	28	world	world	NOUN
ajfti-4554	208	29	and	and	CCONJ
ajfti-4554	208	30	the	the	DET
ajfti-4554	208	31	emerging	emerge	VERB
ajfti-4554	208	32	world	world	NOUN
ajfti-4554	208	33	’s	’s	PART
ajfti-4554	208	34	digital	digital	ADJ
ajfti-4554	208	35	finance	finance	NOUN
ajfti-4554	208	36	landscape	landscape	NOUN
ajfti-4554	208	37	.	.	PUNCT
ajfti-4554	209	1	recommendations	recommendation	NOUN
ajfti-4554	209	2	success	success	NOUN
ajfti-4554	209	3	of	of	ADP
ajfti-4554	209	4	contactless	contactless	ADJ
ajfti-4554	209	5	payments	payment	NOUN
ajfti-4554	209	6	in	in	ADP
ajfti-4554	209	7	the	the	DET
ajfti-4554	209	8	future	future	NOUN
ajfti-4554	209	9	will	will	AUX
ajfti-4554	209	10	depend	depend	VERB
ajfti-4554	209	11	on	on	ADP
ajfti-4554	209	12	strategic	strategic	ADJ
ajfti-4554	209	13	cooperation	cooperation	NOUN
ajfti-4554	209	14	between	between	ADP
ajfti-4554	209	15	the	the	DET
ajfti-4554	209	16	governments	government	NOUN
ajfti-4554	209	17	,	,	PUNCT
ajfti-4554	209	18	financial	financial	ADJ
ajfti-4554	209	19	institutions	institution	NOUN
ajfti-4554	209	20	and	and	CCONJ
ajfti-4554	209	21	fintech	fintech	NOUN
ajfti-4554	209	22	agencies	agency	NOUN
ajfti-4554	209	23	to	to	PART
ajfti-4554	209	24	mitigate	mitigate	VERB
ajfti-4554	209	25	the	the	DET
ajfti-4554	209	26	risks	risk	NOUN
ajfti-4554	209	27	of	of	ADP
ajfti-4554	209	28	cybersecurity	cybersecurity	NOUN
ajfti-4554	209	29	,	,	PUNCT
ajfti-4554	209	30	regulatory	regulatory	ADJ
ajfti-4554	209	31	compliance	compliance	NOUN
ajfti-4554	209	32	and	and	CCONJ
ajfti-4554	209	33	trust	trust	NOUN
ajfti-4554	209	34	by	by	ADP
ajfti-4554	209	35	the	the	DET
ajfti-4554	209	36	consumers	consumer	NOUN
ajfti-4554	209	37	.	.	PUNCT
ajfti-4554	210	1	however	however	ADV
ajfti-4554	210	2	,	,	PUNCT
ajfti-4554	210	3	to	to	PART
ajfti-4554	210	4	make	make	VERB
ajfti-4554	210	5	widespread	widespread	ADJ
ajfti-4554	210	6	adoption	adoption	NOUN
ajfti-4554	210	7	of	of	ADP
ajfti-4554	210	8	digital	digital	ADJ
ajfti-4554	210	9	payments	payment	NOUN
ajfti-4554	210	10	possible	possible	ADJ
ajfti-4554	210	11	,	,	PUNCT
ajfti-4554	210	12	these	these	DET
ajfti-4554	210	13	security	security	NOUN
ajfti-4554	210	14	frameworks	framework	NOUN
ajfti-4554	210	15	need	need	VERB
ajfti-4554	210	16	to	to	PART
ajfti-4554	210	17	be	be	AUX
ajfti-4554	210	18	strong	strong	ADJ
ajfti-4554	210	19	enough	enough	ADV
ajfti-4554	210	20	to	to	PART
ajfti-4554	210	21	fight	fight	VERB
ajfti-4554	210	22	fraud	fraud	NOUN
ajfti-4554	210	23	,	,	PUNCT
ajfti-4554	210	24	breaches	breach	NOUN
ajfti-4554	210	25	in	in	ADP
ajfti-4554	210	26	the	the	DET
ajfti-4554	210	27	data	datum	NOUN
ajfti-4554	210	28	and	and	CCONJ
ajfti-4554	210	29	identity	identity	NOUN
ajfti-4554	210	30	theft	theft	NOUN
ajfti-4554	210	31	—	—	PUNCT
ajfti-4554	210	32	acts	act	VERB
ajfti-4554	210	33	that	that	PRON
ajfti-4554	210	34	work	work	VERB
ajfti-4554	210	35	against	against	ADP
ajfti-4554	210	36	consumer	consumer	NOUN
ajfti-4554	210	37	confidence	confidence	NOUN
ajfti-4554	210	38	when	when	SCONJ
ajfti-4554	210	39	it	it	PRON
ajfti-4554	210	40	comes	come	VERB
ajfti-4554	210	41	to	to	ADP
ajfti-4554	210	42	the	the	DET
ajfti-4554	210	43	transactions	transaction	NOUN
ajfti-4554	210	44	.	.	PUNCT
ajfti-4554	211	1	institutions	institution	NOUN
ajfti-4554	211	2	implementing	implement	VERB
ajfti-4554	211	3	end	end	NOUN
ajfti-4554	211	4	to	to	AUX
ajfti-4554	211	5	end	end	VERB
ajfti-4554	211	6	encryption	encryption	NOUN
ajfti-4554	211	7	with	with	ADP
ajfti-4554	211	8	the	the	DET
ajfti-4554	211	9	use	use	NOUN
ajfti-4554	211	10	of	of	ADP
ajfti-4554	211	11	biometric	biometric	ADJ
ajfti-4554	211	12	authentication	authentication	NOUN
ajfti-4554	211	13	and	and	CCONJ
ajfti-4554	211	14	the	the	DET
ajfti-4554	211	15	deployment	deployment	NOUN
ajfti-4554	211	16	pa	pa	PROPN
ajfti-4554	211	17	ge	ge	PROPN
ajfti-4554	211	18	87	87	NUM
ajfti-4554	211	19	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4554	211	20	am	be	AUX
ajfti-4554	211	21	.	.	PUNCT
ajfti-4554	212	1	j.	j.	PROPN
ajfti-4554	212	2	financ	financ	PROPN
ajfti-4554	212	3	.	.	PUNCT
ajfti-4554	213	1	technol	technol	PROPN
ajfti-4554	213	2	.	.	PUNCT
ajfti-4554	213	3	innov	innov	PROPN
ajfti-4554	213	4	.	.	PUNCT
ajfti-4554	214	1	3(1	3(1	NUM
ajfti-4554	214	2	)	)	PUNCT
ajfti-4554	214	3	81	81	NUM
ajfti-4554	214	4	-	-	SYM
ajfti-4554	214	5	88	88	NUM
ajfti-4554	214	6	,	,	PUNCT
ajfti-4554	214	7	2025	2025	NUM
ajfti-4554	214	8	of	of	ADP
ajfti-4554	214	9	artificial	artificial	ADJ
ajfti-4554	214	10	intelligence	intelligence	NOUN
ajfti-4554	214	11	driven	drive	VERB
ajfti-4554	214	12	fraud	fraud	NOUN
ajfti-4554	214	13	detection	detection	NOUN
ajfti-4554	214	14	systems	system	NOUN
ajfti-4554	214	15	will	will	AUX
ajfti-4554	214	16	be	be	AUX
ajfti-4554	214	17	able	able	ADJ
ajfti-4554	214	18	to	to	PART
ajfti-4554	214	19	be	be	AUX
ajfti-4554	214	20	assured	assure	VERB
ajfti-4554	214	21	of	of	ADP
ajfti-4554	214	22	being	be	AUX
ajfti-4554	214	23	financially	financially	ADV
ajfti-4554	214	24	safe	safe	ADJ
ajfti-4554	214	25	.	.	PUNCT
ajfti-4554	215	1	public	public	ADJ
ajfti-4554	215	2	–	–	PUNCT
ajfti-4554	215	3	private	private	ADJ
ajfti-4554	215	4	partnership	partnership	NOUN
ajfti-4554	215	5	will	will	AUX
ajfti-4554	215	6	formulate	formulate	VERB
ajfti-4554	215	7	standardized	standardized	ADJ
ajfti-4554	215	8	policies	policy	NOUN
ajfti-4554	215	9	on	on	ADP
ajfti-4554	215	10	cybersecurity	cybersecurity	NOUN
ajfti-4554	215	11	in	in	ADP
ajfti-4554	215	12	the	the	DET
ajfti-4554	215	13	payment	payment	NOUN
ajfti-4554	215	14	ecosystem	ecosystem	NOUN
ajfti-4554	215	15	and	and	CCONJ
ajfti-4554	215	16	increase	increase	VERB
ajfti-4554	215	17	trust	trust	NOUN
ajfti-4554	215	18	and	and	CCONJ
ajfti-4554	215	19	transparency	transparency	NOUN
ajfti-4554	215	20	,	,	PUNCT
ajfti-4554	215	21	thereby	thereby	ADV
ajfti-4554	215	22	making	make	VERB
ajfti-4554	215	23	the	the	DET
ajfti-4554	215	24	payment	payment	NOUN
ajfti-4554	215	25	ecosystem	ecosystem	NOUN
ajfti-4554	215	26	robust	robust	ADJ
ajfti-4554	215	27	.	.	PUNCT
ajfti-4554	216	1	harmonization	harmonization	NOUN
ajfti-4554	216	2	of	of	ADP
ajfti-4554	216	3	regulatory	regulatory	ADJ
ajfti-4554	216	4	remains	remain	VERB
ajfti-4554	216	5	a	a	DET
ajfti-4554	216	6	key	key	ADJ
ajfti-4554	216	7	component	component	NOUN
ajfti-4554	216	8	in	in	ADP
ajfti-4554	216	9	the	the	DET
ajfti-4554	216	10	digitalisation	digitalisation	NOUN
ajfti-4554	216	11	adoption	adoption	NOUN
ajfti-4554	216	12	of	of	ADP
ajfti-4554	216	13	contactless	contactless	ADJ
ajfti-4554	216	14	payment	payment	NOUN
ajfti-4554	216	15	,	,	PUNCT
ajfti-4554	216	16	especially	especially	ADV
ajfti-4554	216	17	in	in	ADP
ajfti-4554	216	18	the	the	DET
ajfti-4554	216	19	emerging	emerge	VERB
ajfti-4554	216	20	markets	market	NOUN
ajfti-4554	216	21	where	where	SCONJ
ajfti-4554	216	22	common	common	ADJ
ajfti-4554	216	23	policies	policy	NOUN
ajfti-4554	216	24	can	can	AUX
ajfti-4554	216	25	act	act	VERB
ajfti-4554	216	26	as	as	ADP
ajfti-4554	216	27	a	a	DET
ajfti-4554	216	28	hindrance	hindrance	NOUN
ajfti-4554	216	29	for	for	ADP
ajfti-4554	216	30	the	the	DET
ajfti-4554	216	31	seamless	seamless	ADJ
ajfti-4554	216	32	digital	digital	ADJ
ajfti-4554	216	33	transactions	transaction	NOUN
ajfti-4554	216	34	.	.	PUNCT
ajfti-4554	217	1	as	as	ADP
ajfti-4554	217	2	a	a	DET
ajfti-4554	217	3	means	means	NOUN
ajfti-4554	217	4	of	of	ADP
ajfti-4554	217	5	delivering	deliver	VERB
ajfti-4554	217	6	more	more	ADJ
ajfti-4554	217	7	security	security	NOUN
ajfti-4554	217	8	while	while	SCONJ
ajfti-4554	217	9	reinforcing	reinforce	VERB
ajfti-4554	217	10	a	a	DET
ajfti-4554	217	11	degree	degree	NOUN
ajfti-4554	217	12	of	of	ADP
ajfti-4554	217	13	cross	cross	NOUN
ajfti-4554	217	14	border	border	NOUN
ajfti-4554	217	15	financial	financial	ADJ
ajfti-4554	217	16	integration	integration	NOUN
ajfti-4554	217	17	,	,	PUNCT
ajfti-4554	217	18	it	it	PRON
ajfti-4554	217	19	supports	support	VERB
ajfti-4554	217	20	international	international	ADJ
ajfti-4554	217	21	payment	payment	NOUN
ajfti-4554	217	22	standards	standard	NOUN
ajfti-4554	217	23	such	such	ADJ
ajfti-4554	217	24	as	as	ADP
ajfti-4554	217	25	the	the	DET
ajfti-4554	217	26	european	european	PROPN
ajfti-4554	217	27	union	union	PROPN
ajfti-4554	217	28	’s	’s	PART
ajfti-4554	217	29	payment	payment	NOUN
ajfti-4554	217	30	services	service	NOUN
ajfti-4554	217	31	directive	directive	NOUN
ajfti-4554	217	32	2	2	NUM
ajfti-4554	217	33	(	(	PUNCT
ajfti-4554	217	34	psd2	psd2	PROPN
ajfti-4554	217	35	)	)	PUNCT
ajfti-4554	217	36	.	.	PUNCT
ajfti-4554	218	1	all	all	DET
ajfti-4554	218	2	this	this	PRON
ajfti-4554	218	3	will	will	AUX
ajfti-4554	218	4	lead	lead	VERB
ajfti-4554	218	5	to	to	ADP
ajfti-4554	218	6	the	the	DET
ajfti-4554	218	7	creation	creation	NOUN
ajfti-4554	218	8	of	of	ADP
ajfti-4554	218	9	global	global	ADJ
ajfti-4554	218	10	regulatory	regulatory	ADJ
ajfti-4554	218	11	alliances	alliance	NOUN
ajfti-4554	218	12	that	that	PRON
ajfti-4554	218	13	provide	provide	VERB
ajfti-4554	218	14	uniform	uniform	ADJ
ajfti-4554	218	15	instructions	instruction	NOUN
ajfti-4554	218	16	for	for	ADP
ajfti-4554	218	17	fintech	fintech	NOUN
ajfti-4554	218	18	firms	firm	NOUN
ajfti-4554	218	19	in	in	ADP
ajfti-4554	218	20	a	a	DET
ajfti-4554	218	21	manner	manner	NOUN
ajfti-4554	218	22	that	that	PRON
ajfti-4554	218	23	facilitates	facilitate	VERB
ajfti-4554	218	24	technological	technological	ADJ
ajfti-4554	218	25	advancement	advancement	NOUN
ajfti-4554	218	26	while	while	SCONJ
ajfti-4554	218	27	also	also	ADV
ajfti-4554	218	28	ensuring	ensure	VERB
ajfti-4554	218	29	strong	strong	ADJ
ajfti-4554	218	30	consumer	consumer	NOUN
ajfti-4554	218	31	protection	protection	NOUN
ajfti-4554	218	32	.	.	PUNCT
ajfti-4554	219	1	in	in	ADP
ajfti-4554	219	2	other	other	ADJ
ajfti-4554	219	3	words	word	NOUN
ajfti-4554	219	4	,	,	PUNCT
ajfti-4554	219	5	strengthening	strengthen	VERB
ajfti-4554	219	6	financial	financial	ADJ
ajfti-4554	219	7	regulations	regulation	NOUN
ajfti-4554	219	8	helps	help	VERB
ajfti-4554	219	9	to	to	PART
ajfti-4554	219	10	build	build	VERB
ajfti-4554	219	11	users	user	NOUN
ajfti-4554	219	12	’	’	PART
ajfti-4554	219	13	trust	trust	NOUN
ajfti-4554	219	14	,	,	PUNCT
ajfti-4554	219	15	and	and	CCONJ
ajfti-4554	219	16	digital	digital	ADJ
ajfti-4554	219	17	payment	payment	NOUN
ajfti-4554	219	18	solutions	solution	NOUN
ajfti-4554	219	19	remain	remain	VERB
ajfti-4554	219	20	secure	secure	ADJ
ajfti-4554	219	21	,	,	PUNCT
ajfti-4554	219	22	efficient	efficient	ADJ
ajfti-4554	219	23	and	and	CCONJ
ajfti-4554	219	24	accessible	accessible	ADJ
ajfti-4554	219	25	to	to	ADP
ajfti-4554	219	26	large	large	ADJ
ajfti-4554	219	27	communities	community	NOUN
ajfti-4554	219	28	of	of	ADP
ajfti-4554	219	29	users	user	NOUN
ajfti-4554	219	30	equally	equally	ADV
ajfti-4554	219	31	in	in	ADP
ajfti-4554	219	32	developed	developed	ADJ
ajfti-4554	219	33	and	and	CCONJ
ajfti-4554	219	34	developing	develop	VERB
ajfti-4554	219	35	countries	country	NOUN
ajfti-4554	219	36	.	.	PUNCT
ajfti-4554	220	1	security	security	NOUN
ajfti-4554	220	2	and	and	CCONJ
ajfti-4554	220	3	regulation	regulation	NOUN
ajfti-4554	220	4	are	be	AUX
ajfti-4554	220	5	just	just	ADV
ajfti-4554	220	6	some	some	PRON
ajfti-4554	220	7	of	of	ADP
ajfti-4554	220	8	the	the	DET
ajfti-4554	220	9	reasons	reason	NOUN
ajfti-4554	220	10	that	that	PRON
ajfti-4554	220	11	financial	financial	ADJ
ajfti-4554	220	12	inclusion	inclusion	NOUN
ajfti-4554	220	13	continues	continue	VERB
ajfti-4554	220	14	to	to	PART
ajfti-4554	220	15	be	be	AUX
ajfti-4554	220	16	an	an	DET
ajfti-4554	220	17	uphill	uphill	ADJ
ajfti-4554	220	18	battle	battle	NOUN
ajfti-4554	220	19	;	;	PUNCT
ajfti-4554	220	20	places	place	NOUN
ajfti-4554	220	21	that	that	PRON
ajfti-4554	220	22	live	live	VERB
ajfti-4554	220	23	in	in	ADP
ajfti-4554	220	24	these	these	DET
ajfti-4554	220	25	rural	rural	ADJ
ajfti-4554	220	26	areas	area	NOUN
ajfti-4554	220	27	that	that	PRON
ajfti-4554	220	28	have	have	VERB
ajfti-4554	220	29	little	little	ADJ
ajfti-4554	220	30	traditional	traditional	ADJ
ajfti-4554	220	31	banking	banking	NOUN
ajfti-4554	220	32	infrastructure	infrastructure	NOUN
ajfti-4554	220	33	are	be	AUX
ajfti-4554	220	34	no	no	DET
ajfti-4554	220	35	exception	exception	NOUN
ajfti-4554	220	36	.	.	PUNCT
ajfti-4554	221	1	despite	despite	SCONJ
ajfti-4554	221	2	the	the	DET
ajfti-4554	221	3	many	many	ADJ
ajfti-4554	221	4	digital	digital	ADJ
ajfti-4554	221	5	financial	financial	ADJ
ajfti-4554	221	6	services	service	NOUN
ajfti-4554	221	7	available	available	ADJ
ajfti-4554	221	8	,	,	PUNCT
ajfti-4554	221	9	many	many	ADJ
ajfti-4554	221	10	people	people	NOUN
ajfti-4554	221	11	in	in	ADP
ajfti-4554	221	12	emerging	emerge	VERB
ajfti-4554	221	13	markets	market	NOUN
ajfti-4554	221	14	are	be	AUX
ajfti-4554	221	15	not	not	PART
ajfti-4554	221	16	able	able	ADJ
ajfti-4554	221	17	to	to	PART
ajfti-4554	221	18	access	access	VERB
ajfti-4554	221	19	such	such	ADJ
ajfti-4554	221	20	services	service	NOUN
ajfti-4554	221	21	due	due	ADP
ajfti-4554	221	22	to	to	ADP
ajfti-4554	221	23	lack	lack	NOUN
ajfti-4554	221	24	of	of	ADP
ajfti-4554	221	25	digital	digital	ADJ
ajfti-4554	221	26	literacy	literacy	NOUN
ajfti-4554	221	27	.	.	PUNCT
ajfti-4554	222	1	to	to	PART
ajfti-4554	222	2	expand	expand	VERB
ajfti-4554	222	3	the	the	DET
ajfti-4554	222	4	role	role	NOUN
ajfti-4554	222	5	of	of	ADP
ajfti-4554	222	6	mobile	mobile	ADJ
ajfti-4554	222	7	banking	banking	NOUN
ajfti-4554	222	8	services	service	NOUN
ajfti-4554	222	9	and	and	CCONJ
ajfti-4554	222	10	promote	promote	VERB
ajfti-4554	222	11	qr	qr	PROPN
ajfti-4554	222	12	based	base	VERB
ajfti-4554	222	13	payments	payment	NOUN
ajfti-4554	222	14	,	,	PUNCT
ajfti-4554	222	15	governments	government	NOUN
ajfti-4554	222	16	and	and	CCONJ
ajfti-4554	222	17	financial	financial	ADJ
ajfti-4554	222	18	institutions	institution	NOUN
ajfti-4554	222	19	need	need	VERB
ajfti-4554	222	20	to	to	PART
ajfti-4554	222	21	come	come	VERB
ajfti-4554	222	22	up	up	ADP
ajfti-4554	222	23	with	with	ADP
ajfti-4554	222	24	initiatives	initiative	NOUN
ajfti-4554	222	25	which	which	PRON
ajfti-4554	222	26	can	can	AUX
ajfti-4554	222	27	propel	propel	VERB
ajfti-4554	222	28	the	the	DET
ajfti-4554	222	29	mobile	mobile	ADJ
ajfti-4554	222	30	banking	banking	NOUN
ajfti-4554	222	31	services	service	NOUN
ajfti-4554	222	32	to	to	PART
ajfti-4554	222	33	include	include	VERB
ajfti-4554	222	34	more	more	ADJ
ajfti-4554	222	35	people	people	NOUN
ajfti-4554	222	36	in	in	ADP
ajfti-4554	222	37	the	the	DET
ajfti-4554	222	38	digital	digital	ADJ
ajfti-4554	222	39	economy	economy	NOUN
ajfti-4554	222	40	.	.	PUNCT
ajfti-4554	223	1	these	these	DET
ajfti-4554	223	2	barriers	barrier	NOUN
ajfti-4554	223	3	need	need	VERB
ajfti-4554	223	4	to	to	PART
ajfti-4554	223	5	be	be	AUX
ajfti-4554	223	6	addressed	address	VERB
ajfti-4554	223	7	to	to	PART
ajfti-4554	223	8	speed	speed	VERB
ajfti-4554	223	9	up	up	ADP
ajfti-4554	223	10	adoption	adoption	NOUN
ajfti-4554	223	11	of	of	ADP
ajfti-4554	223	12	contactless	contactless	ADJ
ajfti-4554	223	13	payment	payment	NOUN
ajfti-4554	223	14	and	and	CCONJ
ajfti-4554	223	15	plug	plug	VERB
ajfti-4554	223	16	the	the	DET
ajfti-4554	223	17	gap	gap	NOUN
ajfti-4554	223	18	between	between	ADP
ajfti-4554	223	19	the	the	DET
ajfti-4554	223	20	world	world	NOUN
ajfti-4554	223	21	of	of	ADP
ajfti-4554	223	22	technology	technology	NOUN
ajfti-4554	223	23	driven	drive	VERB
ajfti-4554	223	24	financial	financial	ADJ
ajfti-4554	223	25	ecosystems	ecosystem	NOUN
ajfti-4554	223	26	in	in	ADP
ajfti-4554	223	27	developed	develop	VERB
ajfti-4554	223	28	economies	economy	NOUN
ajfti-4554	223	29	and	and	CCONJ
ajfti-4554	223	30	growing	grow	VERB
ajfti-4554	223	31	digital	digital	ADJ
ajfti-4554	223	32	finance	finance	NOUN
ajfti-4554	223	33	landscape	landscape	NOUN
ajfti-4554	223	34	in	in	ADP
ajfti-4554	223	35	emerging	emerge	VERB
ajfti-4554	223	36	markets	market	NOUN
ajfti-4554	223	37	.	.	PUNCT
ajfti-4554	224	1	references	reference	NOUN
ajfti-4554	224	2	abdulai	abdulai	PROPN
ajfti-4554	224	3	,	,	PUNCT
ajfti-4554	224	4	m.	m.	NOUN
ajfti-4554	224	5	g.	g.	PROPN
ajfti-4554	224	6	,	,	PUNCT
ajfti-4554	224	7	dary	dary	PROPN
ajfti-4554	224	8	,	,	PUNCT
ajfti-4554	224	9	s.	s.	PROPN
ajfti-4554	224	10	k.	k.	PROPN
ajfti-4554	224	11	,	,	PUNCT
ajfti-4554	224	12	&	&	CCONJ
ajfti-4554	224	13	domanban	domanban	PROPN
ajfti-4554	224	14	,	,	PUNCT
ajfti-4554	224	15	p.	p.	PROPN
ajfti-4554	224	16	b.	b.	PROPN
ajfti-4554	224	17	(	(	PUNCT
ajfti-4554	224	18	2024	2024	NUM
ajfti-4554	224	19	)	)	PUNCT
ajfti-4554	224	20	.	.	PUNCT
ajfti-4554	225	1	adoption	adoption	NOUN
ajfti-4554	225	2	of	of	ADP
ajfti-4554	225	3	digital	digital	ADJ
ajfti-4554	225	4	payment	payment	NOUN
ajfti-4554	225	5	platforms	platform	NOUN
ajfti-4554	225	6	and	and	CCONJ
ajfti-4554	225	7	trade	trade	NOUN
ajfti-4554	225	8	credit	credit	NOUN
ajfti-4554	225	9	activities	activity	NOUN
ajfti-4554	225	10	among	among	ADP
ajfti-4554	225	11	informal	informal	ADJ
ajfti-4554	225	12	firms	firm	NOUN
ajfti-4554	225	13	in	in	ADP
ajfti-4554	225	14	ghana	ghana	PROPN
ajfti-4554	225	15	.	.	PUNCT
ajfti-4554	226	1	heliyon	heliyon	PROPN
ajfti-4554	226	2	,	,	PUNCT
ajfti-4554	226	3	10(11	10(11	NUM
ajfti-4554	226	4	)	)	PUNCT
ajfti-4554	226	5	,	,	PUNCT
ajfti-4554	226	6	e32302	e32302	NOUN
ajfti-4554	226	7	.	.	PUNCT
ajfti-4554	227	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-4554	227	2	.	.	PUNCT
ajfti-4554	228	1	heliyon.2024.e32302	heliyon.2024.e32302	PROPN
ajfti-4554	228	2	ahlawat	ahlawat	PROPN
ajfti-4554	228	3	,	,	PUNCT
ajfti-4554	228	4	s.	s.	PROPN
ajfti-4554	228	5	,	,	PUNCT
ajfti-4554	228	6	&	&	CCONJ
ajfti-4554	228	7	gour	gour	PROPN
ajfti-4554	228	8	,	,	PUNCT
ajfti-4554	228	9	y.	y.	PROPN
ajfti-4554	228	10	(	(	PUNCT
ajfti-4554	228	11	2024	2024	NUM
ajfti-4554	228	12	)	)	PUNCT
ajfti-4554	228	13	.	.	PUNCT
ajfti-4554	229	1	study	study	NOUN
ajfti-4554	229	2	of	of	ADP
ajfti-4554	229	3	impact	impact	NOUN
ajfti-4554	229	4	of	of	ADP
ajfti-4554	229	5	consumer	consumer	NOUN
ajfti-4554	229	6	behavior	behavior	NOUN
ajfti-4554	229	7	on	on	ADP
ajfti-4554	229	8	cashless	cashless	NOUN
ajfti-4554	229	9	transaction	transaction	NOUN
ajfti-4554	229	10	system	system	NOUN
ajfti-4554	229	11	in	in	ADP
ajfti-4554	229	12	haryana	haryana	PROPN
ajfti-4554	229	13	.	.	PUNCT
ajfti-4554	230	1	journal	journal	PROPN
ajfti-4554	230	2	of	of	ADP
ajfti-4554	230	3	emerging	emerge	VERB
ajfti-4554	230	4	technologies	technology	NOUN
ajfti-4554	230	5	and	and	CCONJ
ajfti-4554	230	6	innovative	innovative	ADJ
ajfti-4554	230	7	research	research	NOUN
ajfti-4554	230	8	(	(	PUNCT
ajfti-4554	230	9	jetir	jetir	VERB
ajfti-4554	230	10	,	,	PUNCT
ajfti-4554	230	11	11(2	11(2	NOUN
ajfti-4554	230	12	)	)	PUNCT
ajfti-4554	230	13	.	.	PUNCT
ajfti-4554	231	1	ballaji	ballaji	PROPN
ajfti-4554	231	2	,	,	PUNCT
ajfti-4554	231	3	n.	n.	NOUN
ajfti-4554	231	4	(	(	PUNCT
ajfti-4554	231	5	2024	2024	NUM
ajfti-4554	231	6	)	)	PUNCT
ajfti-4554	231	7	.	.	PUNCT
ajfti-4554	232	1	consumer	consumer	NOUN
ajfti-4554	232	2	protection	protection	NOUN
ajfti-4554	232	3	in	in	ADP
ajfti-4554	232	4	the	the	DET
ajfti-4554	232	5	era	era	NOUN
ajfti-4554	232	6	of	of	ADP
ajfti-4554	232	7	digital	digital	ADJ
ajfti-4554	232	8	payments	payment	NOUN
ajfti-4554	232	9	:	:	PUNCT
ajfti-4554	232	10	legal	legal	ADJ
ajfti-4554	232	11	challenges	challenge	NOUN
ajfti-4554	232	12	and	and	CCONJ
ajfti-4554	232	13	solutions	solution	NOUN
ajfti-4554	232	14	.	.	PUNCT
ajfti-4554	233	1	beijing	beijing	PROPN
ajfti-4554	233	2	law	law	PROPN
ajfti-4554	233	3	review	review	PROPN
ajfti-4554	233	4	,	,	PUNCT
ajfti-4554	233	5	15	15	NUM
ajfti-4554	233	6	,	,	PUNCT
ajfti-4554	233	7	1268–1290	1268–1290	NUM
ajfti-4554	233	8	.	.	PUNCT
ajfti-4554	234	1	https://doi	https://doi	X
ajfti-4554	234	2	.	.	PUNCT
ajfti-4554	235	1	org/10.4236	org/10.4236	PROPN
ajfti-4554	235	2	/	/	SYM
ajfti-4554	235	3	blr.2024.153076	blr.2024.153076	PROPN
ajfti-4554	235	4	barroso	barroso	NOUN
ajfti-4554	235	5	,	,	PUNCT
ajfti-4554	235	6	m.	m.	NOUN
ajfti-4554	235	7	,	,	PUNCT
ajfti-4554	235	8	&	&	CCONJ
ajfti-4554	235	9	laborda	laborda	PROPN
ajfti-4554	235	10	,	,	PUNCT
ajfti-4554	235	11	j.	j.	PROPN
ajfti-4554	235	12	(	(	PUNCT
ajfti-4554	235	13	2022	2022	NUM
ajfti-4554	235	14	)	)	PUNCT
ajfti-4554	235	15	.	.	PUNCT
ajfti-4554	236	1	digital	digital	ADJ
ajfti-4554	236	2	transformation	transformation	NOUN
ajfti-4554	236	3	and	and	CCONJ
ajfti-4554	236	4	the	the	DET
ajfti-4554	236	5	emergence	emergence	NOUN
ajfti-4554	236	6	of	of	ADP
ajfti-4554	236	7	the	the	DET
ajfti-4554	236	8	fintech	fintech	NOUN
ajfti-4554	236	9	sector	sector	NOUN
ajfti-4554	236	10	:	:	PUNCT
ajfti-4554	236	11	a	a	DET
ajfti-4554	236	12	systematic	systematic	ADJ
ajfti-4554	236	13	literature	literature	NOUN
ajfti-4554	236	14	review	review	NOUN
ajfti-4554	236	15	.	.	PUNCT
ajfti-4554	237	1	digital	digital	ADJ
ajfti-4554	237	2	business	business	NOUN
ajfti-4554	237	3	,	,	PUNCT
ajfti-4554	237	4	2(2	2(2	NUM
ajfti-4554	237	5	)	)	PUNCT
ajfti-4554	237	6	,	,	PUNCT
ajfti-4554	237	7	100028	100028	NUM
ajfti-4554	237	8	bezhovski	bezhovski	NOUN
ajfti-4554	237	9	,	,	PUNCT
ajfti-4554	237	10	z.	z.	PROPN
ajfti-4554	237	11	(	(	PUNCT
ajfti-4554	237	12	2016	2016	NUM
ajfti-4554	237	13	)	)	PUNCT
ajfti-4554	237	14	.	.	PUNCT
ajfti-4554	238	1	the	the	DET
ajfti-4554	238	2	future	future	NOUN
ajfti-4554	238	3	of	of	ADP
ajfti-4554	238	4	mobile	mobile	ADJ
ajfti-4554	238	5	payment	payment	NOUN
ajfti-4554	238	6	as	as	ADP
ajfti-4554	238	7	an	an	DET
ajfti-4554	238	8	electronic	electronic	ADJ
ajfti-4554	238	9	payment	payment	NOUN
ajfti-4554	238	10	system	system	NOUN
ajfti-4554	238	11	.	.	PUNCT
ajfti-4554	239	1	european	european	PROPN
ajfti-4554	239	2	journal	journal	PROPN
ajfti-4554	239	3	of	of	ADP
ajfti-4554	239	4	business	business	NOUN
ajfti-4554	239	5	and	and	CCONJ
ajfti-4554	239	6	management	management	NOUN
ajfti-4554	239	7	,	,	PUNCT
ajfti-4554	239	8	8(8	8(8	NUM
ajfti-4554	239	9	)	)	PUNCT
ajfti-4554	239	10	,	,	PUNCT
ajfti-4554	239	11	127–136	127–136	NUM
ajfti-4554	239	12	.	.	PUNCT
ajfti-4554	240	1	chatterjee	chatterjee	PROPN
ajfti-4554	240	2	,	,	PUNCT
ajfti-4554	240	3	p.	p.	NOUN
ajfti-4554	240	4	(	(	PUNCT
ajfti-4554	240	5	2024	2024	NUM
ajfti-4554	240	6	)	)	PUNCT
ajfti-4554	240	7	.	.	PUNCT
ajfti-4554	241	1	the	the	DET
ajfti-4554	241	2	rise	rise	NOUN
ajfti-4554	241	3	of	of	ADP
ajfti-4554	241	4	mobile	mobile	ADJ
ajfti-4554	241	5	payment	payment	NOUN
ajfti-4554	241	6	systems	system	NOUN
ajfti-4554	241	7	:	:	PUNCT
ajfti-4554	241	8	how	how	SCONJ
ajfti-4554	241	9	information	information	NOUN
ajfti-4554	241	10	technology	technology	NOUN
ajfti-4554	241	11	shapes	shape	VERB
ajfti-4554	241	12	the	the	DET
ajfti-4554	241	13	fintech	fintech	NOUN
ajfti-4554	241	14	ecosystem	ecosystem	NOUN
ajfti-4554	241	15	.	.	PUNCT
ajfti-4554	242	1	international	international	ADJ
ajfti-4554	242	2	journal	journal	PROPN
ajfti-4554	242	3	of	of	ADP
ajfti-4554	242	4	engineering	engineering	NOUN
ajfti-4554	242	5	and	and	CCONJ
ajfti-4554	242	6	computer	computer	NOUN
ajfti-4554	242	7	science	science	NOUN
ajfti-4554	242	8	,	,	PUNCT
ajfti-4554	242	9	12	12	NUM
ajfti-4554	242	10	,	,	PUNCT
ajfti-4554	242	11	25801–25814	25801–25814	NUM
ajfti-4554	242	12	.	.	PUNCT
ajfti-4554	243	1	demir	demir	PROPN
ajfti-4554	243	2	,	,	PUNCT
ajfti-4554	243	3	e.	e.	PROPN
ajfti-4554	243	4	,	,	PUNCT
ajfti-4554	243	5	özsoy	özsoy	NOUN
ajfti-4554	243	6	,	,	PUNCT
ajfti-4554	243	7	s.	s.	PROPN
ajfti-4554	243	8	,	,	PUNCT
ajfti-4554	243	9	&	&	CCONJ
ajfti-4554	243	10	saygılı	saygılı	PROPN
ajfti-4554	243	11	,	,	PUNCT
ajfti-4554	243	12	m.	m.	NOUN
ajfti-4554	243	13	(	(	PUNCT
ajfti-4554	243	14	2024	2024	NUM
ajfti-4554	243	15	)	)	PUNCT
ajfti-4554	243	16	.	.	PUNCT
ajfti-4554	244	1	the	the	DET
ajfti-4554	244	2	technological	technological	ADJ
ajfti-4554	244	3	shift	shift	NOUN
ajfti-4554	244	4	towards	towards	ADP
ajfti-4554	244	5	embedded	embed	VERB
ajfti-4554	244	6	payments	payment	NOUN
ajfti-4554	244	7	:	:	PUNCT
ajfti-4554	244	8	an	an	DET
ajfti-4554	244	9	examination	examination	NOUN
ajfti-4554	244	10	of	of	ADP
ajfti-4554	244	11	young	young	ADJ
ajfti-4554	244	12	consumers	consumer	NOUN
ajfti-4554	244	13	’	'	PUNCT
ajfti-4554	244	14	intention	intention	NOUN
ajfti-4554	244	15	.	.	PUNCT
ajfti-4554	245	1	future	future	ADJ
ajfti-4554	245	2	business	business	NOUN
ajfti-4554	245	3	journal	journal	NOUN
ajfti-4554	245	4	,	,	PUNCT
ajfti-4554	245	5	10	10	NUM
ajfti-4554	245	6	,	,	PUNCT
ajfti-4554	245	7	article	article	NOUN
ajfti-4554	245	8	120	120	NUM
ajfti-4554	245	9	ephraim	ephraim	NOUN
ajfti-4554	245	10	,	,	PUNCT
ajfti-4554	245	11	m.	m.	NOUN
ajfti-4554	245	12	(	(	PUNCT
ajfti-4554	245	13	2024	2024	NUM
ajfti-4554	245	14	)	)	PUNCT
ajfti-4554	245	15	.	.	PUNCT
ajfti-4554	246	1	the	the	DET
ajfti-4554	246	2	evolution	evolution	NOUN
ajfti-4554	246	3	of	of	ADP
ajfti-4554	246	4	contactless	contactless	ADJ
ajfti-4554	246	5	payments	payment	NOUN
ajfti-4554	246	6	:	:	PUNCT
ajfti-4554	246	7	a	a	DET
ajfti-4554	246	8	shift	shift	NOUN
ajfti-4554	246	9	towards	towards	ADP
ajfti-4554	246	10	a	a	DET
ajfti-4554	246	11	cashless	cashless	NOUN
ajfti-4554	246	12	society	society	NOUN
ajfti-4554	246	13	.	.	PUNCT
ajfti-4554	247	1	ssrn	ssrn	PROPN
ajfti-4554	247	2	.	.	PUNCT
ajfti-4554	248	1	https://ssrn.com/	https://ssrn.com/	PROPN
ajfti-4554	248	2	abstract=4748434	abstract=4748434	PROPN
ajfti-4554	248	3	fathema	fathema	NOUN
ajfti-4554	248	4	,	,	PUNCT
ajfti-4554	248	5	n.	n.	NOUN
ajfti-4554	248	6	,	,	PUNCT
ajfti-4554	248	7	shannon	shannon	PROPN
ajfti-4554	248	8	,	,	PUNCT
ajfti-4554	248	9	d.	d.	PROPN
ajfti-4554	248	10	,	,	PUNCT
ajfti-4554	248	11	&	&	CCONJ
ajfti-4554	248	12	ross	ross	PROPN
ajfti-4554	248	13	,	,	PUNCT
ajfti-4554	248	14	m.	m.	NOUN
ajfti-4554	248	15	(	(	PUNCT
ajfti-4554	248	16	2015	2015	NUM
ajfti-4554	248	17	)	)	PUNCT
ajfti-4554	248	18	.	.	PUNCT
ajfti-4554	249	1	expanding	expand	VERB
ajfti-4554	249	2	the	the	DET
ajfti-4554	249	3	technology	technology	NOUN
ajfti-4554	249	4	acceptance	acceptance	NOUN
ajfti-4554	249	5	model	model	NOUN
ajfti-4554	249	6	(	(	PUNCT
ajfti-4554	249	7	tam	tam	PROPN
ajfti-4554	249	8	)	)	PUNCT
ajfti-4554	249	9	to	to	PART
ajfti-4554	249	10	examine	examine	VERB
ajfti-4554	249	11	faculty	faculty	NOUN
ajfti-4554	249	12	use	use	NOUN
ajfti-4554	249	13	of	of	ADP
ajfti-4554	249	14	learning	learn	VERB
ajfti-4554	249	15	management	management	NOUN
ajfti-4554	249	16	systems	system	NOUN
ajfti-4554	249	17	(	(	PUNCT
ajfti-4554	249	18	lmss	lmss	NOUN
ajfti-4554	249	19	)	)	PUNCT
ajfti-4554	249	20	in	in	ADP
ajfti-4554	249	21	higher	high	ADJ
ajfti-4554	249	22	education	education	NOUN
ajfti-4554	249	23	institutions	institution	NOUN
ajfti-4554	249	24	.	.	PUNCT
ajfti-4554	250	1	merlot	merlot	NOUN
ajfti-4554	250	2	journal	journal	NOUN
ajfti-4554	250	3	of	of	ADP
ajfti-4554	250	4	online	online	ADJ
ajfti-4554	250	5	learning	learning	NOUN
ajfti-4554	250	6	and	and	CCONJ
ajfti-4554	250	7	teaching	teaching	NOUN
ajfti-4554	250	8	,	,	PUNCT
ajfti-4554	250	9	11(2	11(2	NUM
ajfti-4554	250	10	)	)	PUNCT
ajfti-4554	250	11	,	,	PUNCT
ajfti-4554	250	12	210–232	210–232	NUM
ajfti-4554	250	13	.	.	PUNCT
ajfti-4554	250	14	ferrari	ferrari	PROPN
ajfti-4554	250	15	,	,	PUNCT
ajfti-4554	250	16	v.	v.	PROPN
ajfti-4554	250	17	(	(	PUNCT
ajfti-4554	250	18	2022	2022	NUM
ajfti-4554	250	19	)	)	PUNCT
ajfti-4554	250	20	.	.	PUNCT
ajfti-4554	251	1	the	the	DET
ajfti-4554	251	2	platformisation	platformisation	NOUN
ajfti-4554	251	3	of	of	ADP
ajfti-4554	251	4	digital	digital	ADJ
ajfti-4554	251	5	payments	payment	NOUN
ajfti-4554	251	6	:	:	PUNCT
ajfti-4554	251	7	the	the	DET
ajfti-4554	251	8	fabrication	fabrication	NOUN
ajfti-4554	251	9	of	of	ADP
ajfti-4554	251	10	consumer	consumer	NOUN
ajfti-4554	251	11	interest	interest	NOUN
ajfti-4554	251	12	in	in	ADP
ajfti-4554	251	13	the	the	DET
ajfti-4554	251	14	eu	eu	PROPN
ajfti-4554	251	15	fintech	fintech	NOUN
ajfti-4554	251	16	agenda	agenda	NOUN
ajfti-4554	251	17	.	.	PUNCT
ajfti-4554	252	1	computer	computer	NOUN
ajfti-4554	252	2	law	law	PROPN
ajfti-4554	252	3	&	&	CCONJ
ajfti-4554	252	4	security	security	PROPN
ajfti-4554	252	5	review	review	PROPN
ajfti-4554	252	6	,	,	PUNCT
ajfti-4554	252	7	45	45	NUM
ajfti-4554	252	8	,	,	PUNCT
ajfti-4554	252	9	105687	105687	NUM
ajfti-4554	252	10	.	.	PUNCT
ajfti-4554	253	1	https://doi.org/10.1016/j.clsr.2022.105687	https://doi.org/10.1016/j.clsr.2022.105687	NOUN
ajfti-4554	253	2	harkai	harkai	NOUN
ajfti-4554	253	3	,	,	PUNCT
ajfti-4554	253	4	a.	a.	NOUN
ajfti-4554	253	5	(	(	PUNCT
ajfti-4554	253	6	2024	2024	NUM
ajfti-4554	253	7	)	)	PUNCT
ajfti-4554	253	8	.	.	PUNCT
ajfti-4554	254	1	managing	manage	VERB
ajfti-4554	254	2	cyber	cyber	NOUN
ajfti-4554	254	3	-	-	PUNCT
ajfti-4554	254	4	security	security	NOUN
ajfti-4554	254	5	risks	risk	NOUN
ajfti-4554	254	6	associated	associate	VERB
ajfti-4554	254	7	with	with	ADP
ajfti-4554	254	8	iot	iot	ADJ
ajfti-4554	254	9	devices	device	NOUN
ajfti-4554	254	10	for	for	ADP
ajfti-4554	254	11	conducting	conduct	VERB
ajfti-4554	254	12	financial	financial	ADJ
ajfti-4554	254	13	transactions	transaction	NOUN
ajfti-4554	254	14	within	within	ADP
ajfti-4554	254	15	the	the	DET
ajfti-4554	254	16	smart	smart	ADJ
ajfti-4554	254	17	home	home	NOUN
ajfti-4554	254	18	ecosystem	ecosystem	NOUN
ajfti-4554	254	19	.	.	PUNCT
ajfti-4554	255	1	procedia	procedia	PROPN
ajfti-4554	255	2	computer	computer	NOUN
ajfti-4554	255	3	science	science	NOUN
ajfti-4554	255	4	,	,	PUNCT
ajfti-4554	255	5	242	242	NUM
ajfti-4554	255	6	,	,	PUNCT
ajfti-4554	255	7	200–210	200–210	NUM
ajfti-4554	255	8	.	.	PUNCT
ajfti-4554	256	1	karim	karim	PROPN
ajfti-4554	256	2	,	,	PUNCT
ajfti-4554	256	3	m.	m.	PROPN
ajfti-4554	256	4	w.	w.	PROPN
ajfti-4554	256	5	,	,	PUNCT
ajfti-4554	256	6	chowdhury	chowdhury	PROPN
ajfti-4554	256	7	,	,	PUNCT
ajfti-4554	256	8	m.	m.	NOUN
ajfti-4554	256	9	a.	a.	NOUN
ajfti-4554	256	10	m.	m.	PROPN
ajfti-4554	256	11	,	,	PUNCT
ajfti-4554	256	12	&	&	CCONJ
ajfti-4554	256	13	haque	haque	PROPN
ajfti-4554	256	14	,	,	PUNCT
ajfti-4554	256	15	a.	a.	NOUN
ajfti-4554	256	16	a.	a.	NOUN
ajfti-4554	256	17	(	(	PUNCT
ajfti-4554	256	18	2022	2022	NUM
ajfti-4554	256	19	)	)	PUNCT
ajfti-4554	256	20	.	.	PUNCT
ajfti-4554	257	1	a	a	DET
ajfti-4554	257	2	study	study	NOUN
ajfti-4554	257	3	of	of	ADP
ajfti-4554	257	4	customer	customer	NOUN
ajfti-4554	257	5	satisfaction	satisfaction	NOUN
ajfti-4554	257	6	towards	towards	ADP
ajfti-4554	257	7	e	e	NOUN
ajfti-4554	257	8	-	-	NOUN
ajfti-4554	257	9	wallet	wallet	NOUN
ajfti-4554	257	10	payment	payment	NOUN
ajfti-4554	257	11	system	system	NOUN
ajfti-4554	257	12	in	in	ADP
ajfti-4554	257	13	bangladesh	bangladesh	NOUN
ajfti-4554	257	14	.	.	PUNCT
ajfti-4554	258	1	american	american	PROPN
ajfti-4554	258	2	journal	journal	PROPN
ajfti-4554	258	3	of	of	ADP
ajfti-4554	258	4	economics	economic	NOUN
ajfti-4554	258	5	and	and	CCONJ
ajfti-4554	258	6	business	business	NOUN
ajfti-4554	258	7	innovation	innovation	NOUN
ajfti-4554	258	8	,	,	PUNCT
ajfti-4554	258	9	1(1	1(1	NUM
ajfti-4554	258	10	)	)	PUNCT
ajfti-4554	258	11	,	,	PUNCT
ajfti-4554	258	12	1	1	NUM
ajfti-4554	258	13	-	-	SYM
ajfti-4554	258	14	10	10	NUM
ajfti-4554	258	15	.	.	PUNCT
ajfti-4554	259	1	khando	khando	PROPN
ajfti-4554	259	2	,	,	PUNCT
ajfti-4554	259	3	k.	k.	PROPN
ajfti-4554	259	4	,	,	PUNCT
ajfti-4554	259	5	islam	islam	PROPN
ajfti-4554	259	6	,	,	PUNCT
ajfti-4554	259	7	m.	m.	NOUN
ajfti-4554	259	8	s.	s.	PROPN
ajfti-4554	259	9	,	,	PUNCT
ajfti-4554	259	10	&	&	CCONJ
ajfti-4554	259	11	gao	gao	PROPN
ajfti-4554	259	12	,	,	PUNCT
ajfti-4554	259	13	s.	s.	PROPN
ajfti-4554	259	14	(	(	PUNCT
ajfti-4554	259	15	2023	2023	NUM
ajfti-4554	259	16	)	)	PUNCT
ajfti-4554	259	17	.	.	PUNCT
ajfti-4554	260	1	the	the	DET
ajfti-4554	260	2	emerging	emerge	VERB
ajfti-4554	260	3	technologies	technology	NOUN
ajfti-4554	260	4	of	of	ADP
ajfti-4554	260	5	digital	digital	ADJ
ajfti-4554	260	6	payments	payment	NOUN
ajfti-4554	260	7	and	and	CCONJ
ajfti-4554	260	8	associated	associated	ADJ
ajfti-4554	260	9	challenges	challenge	NOUN
ajfti-4554	260	10	:	:	PUNCT
ajfti-4554	260	11	a	a	DET
ajfti-4554	260	12	systematic	systematic	ADJ
ajfti-4554	260	13	literature	literature	NOUN
ajfti-4554	260	14	review	review	NOUN
ajfti-4554	260	15	.	.	PUNCT
ajfti-4554	261	1	future	future	ADJ
ajfti-4554	261	2	internet	internet	NOUN
ajfti-4554	261	3	,	,	PUNCT
ajfti-4554	261	4	15(1	15(1	NUM
ajfti-4554	261	5	)	)	PUNCT
ajfti-4554	261	6	,	,	PUNCT
ajfti-4554	261	7	21	21	NUM
ajfti-4554	261	8	.	.	PUNCT
ajfti-4554	262	1	https://doi.org/10.3390/	https://doi.org/10.3390/	PROPN
ajfti-4554	262	2	fi15010021	fi15010021	PROPN
ajfti-4554	262	3	kumar	kumar	PROPN
ajfti-4554	262	4	,	,	PUNCT
ajfti-4554	262	5	r.	r.	PROPN
ajfti-4554	262	6	(	(	PUNCT
ajfti-4554	262	7	2024	2024	NUM
ajfti-4554	262	8	)	)	PUNCT
ajfti-4554	262	9	.	.	PUNCT
ajfti-4554	263	1	achieving	achieve	VERB
ajfti-4554	263	2	sustainability	sustainability	NOUN
ajfti-4554	263	3	in	in	ADP
ajfti-4554	263	4	india	india	PROPN
ajfti-4554	263	5	through	through	ADP
ajfti-4554	263	6	modern	modern	ADJ
ajfti-4554	263	7	payment	payment	NOUN
ajfti-4554	263	8	system	system	NOUN
ajfti-4554	263	9	:	:	PUNCT
ajfti-4554	263	10	an	an	DET
ajfti-4554	263	11	empirical	empirical	ADJ
ajfti-4554	263	12	study	study	NOUN
ajfti-4554	263	13	.	.	PUNCT
ajfti-4554	264	1	am	be	AUX
ajfti-4554	264	2	.	.	PUNCT
ajfti-4554	265	1	j.	j.	PROPN
ajfti-4554	265	2	econ	econ	PROPN
ajfti-4554	265	3	.	.	PUNCT
ajfti-4554	266	1	bus	bus	PROPN
ajfti-4554	266	2	.	.	PUNCT
ajfti-4554	267	1	innov	innov	PROPN
ajfti-4554	267	2	,	,	PUNCT
ajfti-4554	267	3	3(1	3(1	NUM
ajfti-4554	267	4	)	)	PUNCT
ajfti-4554	267	5	,	,	PUNCT
ajfti-4554	267	6	92	92	NUM
ajfti-4554	267	7	-	-	SYM
ajfti-4554	267	8	99	99	NUM
ajfti-4554	267	9	.	.	PUNCT
ajfti-4554	267	10	lathiya	lathiya	PROPN
ajfti-4554	267	11	,	,	PUNCT
ajfti-4554	267	12	p.	p.	PROPN
ajfti-4554	267	13	,	,	PUNCT
ajfti-4554	267	14	&	&	CCONJ
ajfti-4554	267	15	wang	wang	PROPN
ajfti-4554	267	16	,	,	PUNCT
ajfti-4554	267	17	j.	j.	PROPN
ajfti-4554	267	18	(	(	PUNCT
ajfti-4554	267	19	2021	2021	NUM
ajfti-4554	267	20	)	)	PUNCT
ajfti-4554	267	21	.	.	PUNCT
ajfti-4554	268	1	near	near	ADP
ajfti-4554	268	2	-	-	PUNCT
ajfti-4554	268	3	field	field	NOUN
ajfti-4554	268	4	communications	communication	NOUN
ajfti-4554	268	5	(	(	PUNCT
ajfti-4554	268	6	nfc	nfc	NOUN
ajfti-4554	268	7	)	)	PUNCT
ajfti-4554	268	8	for	for	ADP
ajfti-4554	268	9	wireless	wireless	ADJ
ajfti-4554	268	10	power	power	NOUN
ajfti-4554	268	11	transfer	transfer	NOUN
ajfti-4554	268	12	(	(	PUNCT
ajfti-4554	268	13	wpt	wpt	PROPN
ajfti-4554	268	14	):	):	PUNCT
ajfti-4554	268	15	an	an	DET
ajfti-4554	268	16	overview	overview	NOUN
ajfti-4554	268	17	.	.	PUNCT
ajfti-4554	269	1	in	in	ADP
ajfti-4554	269	2	wireless	wireless	ADJ
ajfti-4554	269	3	power	power	NOUN
ajfti-4554	269	4	transfer	transfer	NOUN
ajfti-4554	269	5	–	–	PUNCT
ajfti-4554	269	6	recent	recent	ADJ
ajfti-4554	269	7	development	development	NOUN
ajfti-4554	269	8	,	,	PUNCT
ajfti-4554	269	9	applications	application	NOUN
ajfti-4554	269	10	and	and	CCONJ
ajfti-4554	269	11	new	new	ADJ
ajfti-4554	269	12	perspectives	perspective	NOUN
ajfti-4554	269	13	.	.	PUNCT
ajfti-4554	270	1	intechopen	intechopen	ADJ
ajfti-4554	270	2	.	.	PUNCT
ajfti-4554	271	1	https://doi.org/10.5772/intechopen.96345	https://doi.org/10.5772/intechopen.96345	NUM
ajfti-4554	271	2	ma	ma	PROPN
ajfti-4554	271	3	,	,	PUNCT
ajfti-4554	271	4	q.	q.	PROPN
ajfti-4554	271	5	,	,	PUNCT
ajfti-4554	271	6	&	&	CCONJ
ajfti-4554	271	7	liu	liu	PROPN
ajfti-4554	271	8	,	,	PUNCT
ajfti-4554	271	9	l.	l.	PROPN
ajfti-4554	271	10	(	(	PUNCT
ajfti-4554	271	11	2005	2005	NUM
ajfti-4554	271	12	)	)	PUNCT
ajfti-4554	271	13	.	.	PUNCT
ajfti-4554	272	1	the	the	DET
ajfti-4554	272	2	technology	technology	NOUN
ajfti-4554	272	3	acceptance	acceptance	NOUN
ajfti-4554	272	4	model	model	NOUN
ajfti-4554	272	5	.	.	PUNCT
ajfti-4554	273	1	in	in	ADP
ajfti-4554	273	2	handbook	handbook	NOUN
ajfti-4554	273	3	of	of	ADP
ajfti-4554	273	4	research	research	NOUN
ajfti-4554	273	5	on	on	ADP
ajfti-4554	273	6	information	information	NOUN
ajfti-4554	273	7	security	security	NOUN
ajfti-4554	273	8	and	and	CCONJ
ajfti-4554	273	9	assurance	assurance	NOUN
ajfti-4554	273	10	.	.	PUNCT
ajfti-4554	274	1	igi	igi	PROPN
ajfti-4554	274	2	global	global	PROPN
ajfti-4554	274	3	.	.	PUNCT
ajfti-4554	275	1	https://doi	https://doi	PROPN
ajfti-4554	275	2	.	.	PUNCT
ajfti-4554	275	3	org/10.4018/9781591404743.ch006	org/10.4018/9781591404743.ch006	PROPN
ajfti-4554	275	4	marikyan	marikyan	PROPN
ajfti-4554	275	5	,	,	PUNCT
ajfti-4554	275	6	d.	d.	PROPN
ajfti-4554	275	7	,	,	PUNCT
ajfti-4554	275	8	&	&	CCONJ
ajfti-4554	275	9	papagiannidis	papagiannidis	PROPN
ajfti-4554	275	10	,	,	PUNCT
ajfti-4554	275	11	s.	s.	PROPN
ajfti-4554	275	12	(	(	PUNCT
ajfti-4554	275	13	2024	2024	NUM
ajfti-4554	275	14	)	)	PUNCT
ajfti-4554	275	15	.	.	PUNCT
ajfti-4554	276	1	technology	technology	NOUN
ajfti-4554	276	2	acceptance	acceptance	NOUN
ajfti-4554	276	3	model	model	NOUN
ajfti-4554	276	4	:	:	PUNCT
ajfti-4554	276	5	a	a	DET
ajfti-4554	276	6	review	review	NOUN
ajfti-4554	276	7	.	.	PUNCT
ajfti-4554	277	1	in	in	ADP
ajfti-4554	277	2	s.	s.	PROPN
ajfti-4554	277	3	papagiannidis	papagiannidis	PROPN
ajfti-4554	277	4	(	(	PUNCT
ajfti-4554	277	5	ed	ed	NOUN
ajfti-4554	277	6	.	.	PUNCT
ajfti-4554	277	7	)	)	PUNCT
ajfti-4554	277	8	,	,	PUNCT
ajfti-4554	277	9	theoryhub	theoryhub	NOUN
ajfti-4554	277	10	book	book	NOUN
ajfti-4554	277	11	.	.	PUNCT
ajfti-4554	278	1	newcastle	newcastle	PROPN
ajfti-4554	278	2	university	university	PROPN
ajfti-4554	278	3	.	.	PUNCT
ajfti-4554	279	1	https://	https://	PROPN
ajfti-4554	279	2	open.ncl.ac.uk	open.ncl.ac.uk	VERB
ajfti-4554	279	3	mishra	mishra	PROPN
ajfti-4554	279	4	,	,	PUNCT
ajfti-4554	279	5	arjita	arjita	PROPN
ajfti-4554	279	6	&	&	CCONJ
ajfti-4554	279	7	jha	jha	PROPN
ajfti-4554	279	8	,	,	PUNCT
ajfti-4554	279	9	gautam	gautam	PROPN
ajfti-4554	279	10	kumar	kumar	PROPN
ajfti-4554	279	11	&	&	CCONJ
ajfti-4554	279	12	gupta	gupta	PROPN
ajfti-4554	279	13	,	,	PUNCT
ajfti-4554	279	14	nidhi	nidhi	PROPN
ajfti-4554	279	15	.	.	PUNCT
ajfti-4554	280	1	(	(	PUNCT
ajfti-4554	280	2	2024	2024	NUM
ajfti-4554	280	3	)	)	PUNCT
ajfti-4554	280	4	.	.	PUNCT
ajfti-4554	281	1	unlocking	unlock	VERB
ajfti-4554	281	2	digital	digital	ADJ
ajfti-4554	281	3	payments	payment	NOUN
ajfti-4554	281	4	:	:	PUNCT
ajfti-4554	281	5	the	the	DET
ajfti-4554	281	6	role	role	NOUN
ajfti-4554	281	7	of	of	ADP
ajfti-4554	281	8	qr	qr	PROPN
ajfti-4554	281	9	codes	code	NOUN
ajfti-4554	281	10	in	in	ADP
ajfti-4554	281	11	india	india	PROPN
ajfti-4554	281	12	’s	’s	PART
ajfti-4554	281	13	digital	digital	ADJ
ajfti-4554	281	14	payment	payment	NOUN
ajfti-4554	281	15	revolution	revolution	NOUN
ajfti-4554	281	16	.	.	PUNCT
ajfti-4554	282	1	international	international	ADJ
ajfti-4554	282	2	journal	journal	PROPN
ajfti-4554	282	3	of	of	ADP
ajfti-4554	282	4	research	research	NOUN
ajfti-4554	282	5	publication	publication	NOUN
ajfti-4554	282	6	and	and	CCONJ
ajfti-4554	282	7	reviews	review	NOUN
ajfti-4554	282	8	,	,	PUNCT
ajfti-4554	282	9	5	5	NUM
ajfti-4554	282	10	,	,	PUNCT
ajfti-4554	282	11	9365	9365	NUM
ajfti-4554	282	12	-	-	SYM
ajfti-4554	282	13	9375	9375	NUM
ajfti-4554	282	14	.	.	PUNCT
ajfti-4554	283	1	10.55248	10.55248	NUM
ajfti-4554	283	2	/	/	SYM
ajfti-4554	283	3	gengpi.5.0424.1124	gengpi.5.0424.1124	NOUN
ajfti-4554	283	4	.	.	PUNCT
ajfti-4554	284	1	mogaji	mogaji	PROPN
ajfti-4554	284	2	,	,	PUNCT
ajfti-4554	284	3	e.	e.	PROPN
ajfti-4554	284	4	,	,	PUNCT
ajfti-4554	284	5	&	&	CCONJ
ajfti-4554	284	6	nguyen	nguyen	PROPN
ajfti-4554	284	7	,	,	PUNCT
ajfti-4554	284	8	n.	n.	NOUN
ajfti-4554	284	9	(	(	PUNCT
ajfti-4554	284	10	2024	2024	NUM
ajfti-4554	284	11	)	)	PUNCT
ajfti-4554	284	12	.	.	PUNCT
ajfti-4554	285	1	evaluating	evaluate	VERB
ajfti-4554	285	2	the	the	DET
ajfti-4554	285	3	emergence	emergence	NOUN
ajfti-4554	285	4	of	of	ADP
ajfti-4554	285	5	contactless	contactless	ADJ
ajfti-4554	285	6	digital	digital	ADJ
ajfti-4554	285	7	payment	payment	NOUN
ajfti-4554	285	8	technology	technology	NOUN
ajfti-4554	285	9	for	for	ADP
ajfti-4554	285	10	transportation	transportation	NOUN
ajfti-4554	285	11	.	.	PUNCT
ajfti-4554	286	1	technological	technological	ADJ
ajfti-4554	286	2	forecasting	forecasting	NOUN
ajfti-4554	286	3	and	and	CCONJ
ajfti-4554	286	4	social	social	ADJ
ajfti-4554	286	5	pa	pa	PROPN
ajfti-4554	286	6	ge	ge	PROPN
ajfti-4554	286	7	88	88	NUM
ajfti-4554	286	8	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-4554	286	9	am	be	AUX
ajfti-4554	286	10	.	.	PUNCT
ajfti-4554	287	1	j.	j.	PROPN
ajfti-4554	287	2	financ	financ	PROPN
ajfti-4554	287	3	.	.	PUNCT
ajfti-4554	288	1	technol	technol	PROPN
ajfti-4554	288	2	.	.	PUNCT
ajfti-4554	288	3	innov	innov	PROPN
ajfti-4554	288	4	.	.	PUNCT
ajfti-4554	289	1	3(1	3(1	NUM
ajfti-4554	289	2	)	)	PUNCT
ajfti-4554	289	3	81	81	NUM
ajfti-4554	289	4	-	-	SYM
ajfti-4554	289	5	88	88	NUM
ajfti-4554	289	6	,	,	PUNCT
ajfti-4554	289	7	2025	2025	NUM
ajfti-4554	289	8	change	change	NOUN
ajfti-4554	289	9	,	,	PUNCT
ajfti-4554	289	10	203	203	NUM
ajfti-4554	289	11	,	,	PUNCT
ajfti-4554	289	12	123378	123378	NUM
ajfti-4554	289	13	.	.	PUNCT
ajfti-4554	290	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-4554	290	2	.	.	PUNCT
ajfti-4554	291	1	techfore.2024.123378	techfore.2024.123378	PRON
ajfti-4554	291	2	mohammed	mohammed	PROPN
ajfti-4554	291	3	,	,	PUNCT
ajfti-4554	291	4	s.	s.	PROPN
ajfti-4554	291	5	a.	a.	PROPN
ajfti-4554	291	6	(	(	PUNCT
ajfti-4554	291	7	2025	2025	NUM
ajfti-4554	291	8	)	)	PUNCT
ajfti-4554	291	9	.	.	PUNCT
ajfti-4554	292	1	revolution	revolution	NOUN
ajfti-4554	292	2	of	of	ADP
ajfti-4554	292	3	qr	qr	PROPN
ajfti-4554	292	4	code	code	PROPN
ajfti-4554	292	5	upi	upi	PROPN
ajfti-4554	292	6	payment	payment	NOUN
ajfti-4554	292	7	option	option	NOUN
ajfti-4554	292	8	:	:	PUNCT
ajfti-4554	292	9	a	a	DET
ajfti-4554	292	10	study	study	NOUN
ajfti-4554	292	11	.	.	PUNCT
ajfti-4554	293	1	international	international	ADJ
ajfti-4554	293	2	journal	journal	PROPN
ajfti-4554	293	3	of	of	ADP
ajfti-4554	293	4	development	development	NOUN
ajfti-4554	293	5	research	research	NOUN
ajfti-4554	293	6	,	,	PUNCT
ajfti-4554	293	7	14(12	14(12	NUM
ajfti-4554	293	8	)	)	PUNCT
ajfti-4554	293	9	,	,	PUNCT
ajfti-4554	293	10	67138	67138	NUM
ajfti-4554	293	11	.	.	PUNCT
ajfti-4554	294	1	muhammed	muhamme	VERB
ajfti-4554	294	2	,	,	PUNCT
ajfti-4554	294	3	m.	m.	NOUN
ajfti-4554	294	4	,	,	PUNCT
ajfti-4554	294	5	arinaitwe	arinaitwe	NOUN
ajfti-4554	294	6	,	,	PUNCT
ajfti-4554	294	7	j.	j.	PROPN
ajfti-4554	294	8	,	,	PUNCT
ajfti-4554	294	9	musiimenta	musiimenta	PROPN
ajfti-4554	294	10	,	,	PUNCT
ajfti-4554	294	11	n.	n.	NOUN
ajfti-4554	294	12	,	,	PUNCT
ajfti-4554	294	13	&	&	CCONJ
ajfti-4554	294	14	matovu	matovu	PROPN
ajfti-4554	294	15	,	,	PUNCT
ajfti-4554	294	16	k.	k.	PROPN
ajfti-4554	294	17	(	(	PUNCT
ajfti-4554	294	18	2024	2024	NUM
ajfti-4554	294	19	)	)	PUNCT
ajfti-4554	294	20	.	.	PUNCT
ajfti-4554	295	1	digital	digital	ADJ
ajfti-4554	295	2	payment	payment	NOUN
ajfti-4554	295	3	systems	system	NOUN
ajfti-4554	295	4	and	and	CCONJ
ajfti-4554	295	5	consumer	consumer	NOUN
ajfti-4554	295	6	behavior	behavior	NOUN
ajfti-4554	295	7	:	:	PUNCT
ajfti-4554	295	8	a	a	DET
ajfti-4554	295	9	case	case	NOUN
ajfti-4554	295	10	study	study	NOUN
ajfti-4554	295	11	of	of	ADP
ajfti-4554	295	12	airtel	airtel	PROPN
ajfti-4554	295	13	uganda	uganda	PROPN
ajfti-4554	295	14	.	.	PUNCT
ajfti-4554	296	1	metropolitan	metropolitan	PROPN
ajfti-4554	296	2	journal	journal	PROPN
ajfti-4554	296	3	of	of	ADP
ajfti-4554	296	4	academic	academic	ADJ
ajfti-4554	296	5	multidisciplinary	multidisciplinary	ADJ
ajfti-4554	296	6	research	research	NOUN
ajfti-4554	296	7	,	,	PUNCT
ajfti-4554	296	8	3(10	3(10	NUM
ajfti-4554	296	9	)	)	PUNCT
ajfti-4554	296	10	,	,	PUNCT
ajfti-4554	296	11	69–80	69–80	NUM
ajfti-4554	296	12	.	.	PUNCT
ajfti-4554	297	1	olipane	olipane	PROPN
ajfti-4554	297	2	,	,	PUNCT
ajfti-4554	297	3	h.	h.	PROPN
ajfti-4554	297	4	g.	g.	PROPN
ajfti-4554	297	5	e.	e.	PROPN
ajfti-4554	297	6	,	,	PUNCT
ajfti-4554	297	7	&	&	CCONJ
ajfti-4554	297	8	inocencio	inocencio	PROPN
ajfti-4554	297	9	,	,	PUNCT
ajfti-4554	297	10	m.	m.	PROPN
ajfti-4554	297	11	d.	d.	PROPN
ajfti-4554	297	12	(	(	PUNCT
ajfti-4554	297	13	2023	2023	NUM
ajfti-4554	297	14	)	)	PUNCT
ajfti-4554	297	15	.	.	PUNCT
ajfti-4554	298	1	digital	digital	ADJ
ajfti-4554	298	2	payment	payment	NOUN
ajfti-4554	298	3	and	and	CCONJ
ajfti-4554	298	4	its	its	PRON
ajfti-4554	298	5	influence	influence	NOUN
ajfti-4554	298	6	on	on	ADP
ajfti-4554	298	7	customer	customer	NOUN
ajfti-4554	298	8	convenience	convenience	NOUN
ajfti-4554	298	9	.	.	PUNCT
ajfti-4554	299	1	american	american	ADJ
ajfti-4554	299	2	journal	journal	PROPN
ajfti-4554	299	3	of	of	ADP
ajfti-4554	299	4	humanities	humanity	NOUN
ajfti-4554	299	5	and	and	CCONJ
ajfti-4554	299	6	social	social	ADJ
ajfti-4554	299	7	sciences	sciences	PROPN
ajfti-4554	299	8	research	research	NOUN
ajfti-4554	299	9	(	(	PUNCT
ajfti-4554	299	10	ajhssr	ajhssr	ADJ
ajfti-4554	299	11	,	,	PUNCT
ajfti-4554	299	12	7(9	7(9	NUM
ajfti-4554	299	13	)	)	PUNCT
ajfti-4554	299	14	,	,	PUNCT
ajfti-4554	299	15	56–67	56–67	NUM
ajfti-4554	299	16	.	.	PUNCT
ajfti-4554	299	17	retrieved	retrieve	VERB
ajfti-4554	299	18	from	from	ADP
ajfti-4554	299	19	www.ajhssr	www.ajhssr	PROPN
ajfti-4554	299	20	.	.	PUNCT
ajfti-4554	300	1	com	com	PROPN
ajfti-4554	300	2	onumadu	onumadu	ADJ
ajfti-4554	300	3	,	,	PUNCT
ajfti-4554	300	4	p.	p.	NOUN
ajfti-4554	300	5	,	,	PUNCT
ajfti-4554	300	6	&	&	CCONJ
ajfti-4554	300	7	abroshan	abroshan	PROPN
ajfti-4554	300	8	,	,	PUNCT
ajfti-4554	300	9	h.	h.	PROPN
ajfti-4554	300	10	(	(	PUNCT
ajfti-4554	300	11	2024	2024	NUM
ajfti-4554	300	12	)	)	PUNCT
ajfti-4554	300	13	.	.	PUNCT
ajfti-4554	301	1	near	near	ADP
ajfti-4554	301	2	-	-	PUNCT
ajfti-4554	301	3	field	field	NOUN
ajfti-4554	301	4	communication	communication	NOUN
ajfti-4554	301	5	(	(	PUNCT
ajfti-4554	301	6	nfc	nfc	NOUN
ajfti-4554	301	7	)	)	PUNCT
ajfti-4554	301	8	cyber	cyber	NOUN
ajfti-4554	301	9	threats	threat	NOUN
ajfti-4554	301	10	and	and	CCONJ
ajfti-4554	301	11	mitigation	mitigation	NOUN
ajfti-4554	301	12	solutions	solution	NOUN
ajfti-4554	301	13	in	in	ADP
ajfti-4554	301	14	payment	payment	NOUN
ajfti-4554	301	15	transactions	transaction	NOUN
ajfti-4554	301	16	:	:	PUNCT
ajfti-4554	301	17	a	a	DET
ajfti-4554	301	18	review	review	NOUN
ajfti-4554	301	19	.	.	PUNCT
ajfti-4554	302	1	sensors	sensor	NOUN
ajfti-4554	302	2	,	,	PUNCT
ajfti-4554	302	3	24(23	24(23	NOUN
ajfti-4554	302	4	)	)	PUNCT
ajfti-4554	302	5	,	,	PUNCT
ajfti-4554	302	6	7423	7423	NUM
ajfti-4554	302	7	.	.	PUNCT
ajfti-4554	303	1	https://doi.org/10.3390/s24237423	https://doi.org/10.3390/s24237423	NUM
ajfti-4554	303	2	oyewole	oyewole	NOUN
ajfti-4554	303	3	,	,	PUNCT
ajfti-4554	303	4	a.	a.	NOUN
ajfti-4554	303	5	t.	t.	PROPN
ajfti-4554	303	6	,	,	PUNCT
ajfti-4554	303	7	okoye	okoye	PROPN
ajfti-4554	303	8	,	,	PUNCT
ajfti-4554	303	9	c.	c.	PROPN
ajfti-4554	303	10	c.	c.	PROPN
ajfti-4554	303	11	,	,	PUNCT
ajfti-4554	303	12	ofodile	ofodile	NOUN
ajfti-4554	303	13	,	,	PUNCT
ajfti-4554	303	14	o.	o.	PROPN
ajfti-4554	303	15	c.	c.	PROPN
ajfti-4554	303	16	,	,	PUNCT
ajfti-4554	303	17	&	&	CCONJ
ajfti-4554	303	18	ugochukwu	ugochukwu	PROPN
ajfti-4554	303	19	,	,	PUNCT
ajfti-4554	303	20	c.	c.	PROPN
ajfti-4554	303	21	e.	e.	PROPN
ajfti-4554	303	22	(	(	PUNCT
ajfti-4554	303	23	2024	2024	NUM
ajfti-4554	303	24	)	)	PUNCT
ajfti-4554	303	25	.	.	PUNCT
ajfti-4554	304	1	cybersecurity	cybersecurity	NOUN
ajfti-4554	304	2	risks	risk	NOUN
ajfti-4554	304	3	in	in	ADP
ajfti-4554	304	4	online	online	ADJ
ajfti-4554	304	5	banking	banking	NOUN
ajfti-4554	304	6	:	:	PUNCT
ajfti-4554	304	7	a	a	DET
ajfti-4554	304	8	detailed	detailed	ADJ
ajfti-4554	304	9	review	review	NOUN
ajfti-4554	304	10	and	and	CCONJ
ajfti-4554	304	11	preventive	preventive	ADJ
ajfti-4554	304	12	strategies	strategy	NOUN
ajfti-4554	304	13	.	.	PUNCT
ajfti-4554	305	1	world	world	PROPN
ajfti-4554	305	2	journal	journal	PROPN
ajfti-4554	305	3	of	of	ADP
ajfti-4554	305	4	advanced	advanced	ADJ
ajfti-4554	305	5	research	research	NOUN
ajfti-4554	305	6	and	and	CCONJ
ajfti-4554	305	7	reviews	review	NOUN
ajfti-4554	305	8	,	,	PUNCT
ajfti-4554	305	9	21(3	21(3	NUM
ajfti-4554	305	10	)	)	PUNCT
ajfti-4554	305	11	,	,	PUNCT
ajfti-4554	305	12	625–643	625–643	NUM
ajfti-4554	305	13	.	.	PUNCT
ajfti-4554	306	1	park	park	NOUN
ajfti-4554	306	2	,	,	PUNCT
ajfti-4554	306	3	m.	m.	PROPN
ajfti-4554	306	4	c.	c.	PROPN
ajfti-4554	306	5	,	,	PUNCT
ajfti-4554	306	6	manalili	manalili	NOUN
ajfti-4554	306	7	,	,	PUNCT
ajfti-4554	306	8	i.	i.	NOUN
ajfti-4554	306	9	,	,	PUNCT
ajfti-4554	306	10	magtoto	magtoto	NOUN
ajfti-4554	306	11	,	,	PUNCT
ajfti-4554	306	12	t.	t.	PROPN
ajfti-4554	306	13	,	,	PUNCT
ajfti-4554	306	14	martinez	martinez	PROPN
ajfti-4554	306	15	,	,	PUNCT
ajfti-4554	306	16	r.	r.	PROPN
ajfti-4554	306	17	,	,	PUNCT
ajfti-4554	306	18	solis	solis	PROPN
ajfti-4554	306	19	,	,	PUNCT
ajfti-4554	306	20	j.	j.	PROPN
ajfti-4554	306	21	,	,	PUNCT
ajfti-4554	306	22	&	&	CCONJ
ajfti-4554	306	23	chua	chua	PROPN
ajfti-4554	306	24	,	,	PUNCT
ajfti-4554	306	25	c.	c.	PROPN
ajfti-4554	306	26	(	(	PUNCT
ajfti-4554	306	27	2022	2022	NUM
ajfti-4554	306	28	)	)	PUNCT
ajfti-4554	306	29	.	.	PUNCT
ajfti-4554	307	1	contactless	contactless	NOUN
ajfti-4554	307	2	payments	payment	NOUN
ajfti-4554	307	3	in	in	ADP
ajfti-4554	307	4	travel	travel	NOUN
ajfti-4554	307	5	and	and	CCONJ
ajfti-4554	307	6	tourism	tourism	NOUN
ajfti-4554	307	7	in	in	ADP
ajfti-4554	307	8	philippines	philippine	NOUN
ajfti-4554	307	9	:	:	PUNCT
ajfti-4554	307	10	from	from	ADP
ajfti-4554	307	11	a	a	DET
ajfti-4554	307	12	technological	technological	ADJ
ajfti-4554	307	13	acceptance	acceptance	NOUN
ajfti-4554	307	14	model	model	NOUN
ajfti-4554	307	15	.	.	PUNCT
ajfti-4554	308	1	american	american	PROPN
ajfti-4554	308	2	journal	journal	PROPN
ajfti-4554	308	3	of	of	ADP
ajfti-4554	308	4	economics	economic	NOUN
ajfti-4554	308	5	and	and	CCONJ
ajfti-4554	308	6	business	business	NOUN
ajfti-4554	308	7	innovation	innovation	NOUN
ajfti-4554	308	8	,	,	PUNCT
ajfti-4554	308	9	1(2	1(2	NUM
ajfti-4554	308	10	)	)	PUNCT
ajfti-4554	308	11	,	,	PUNCT
ajfti-4554	308	12	23	23	NUM
ajfti-4554	308	13	-	-	SYM
ajfti-4554	308	14	33	33	NUM
ajfti-4554	308	15	.	.	PUNCT
ajfti-4554	309	1	putrevu	putrevu	PROPN
ajfti-4554	309	2	,	,	PUNCT
ajfti-4554	309	3	j.	j.	PROPN
ajfti-4554	309	4	,	,	PUNCT
ajfti-4554	309	5	&	&	CCONJ
ajfti-4554	309	6	mertzanis	mertzanis	PROPN
ajfti-4554	309	7	,	,	PUNCT
ajfti-4554	309	8	c.	c.	PROPN
ajfti-4554	309	9	(	(	PUNCT
ajfti-4554	309	10	2023	2023	NUM
ajfti-4554	309	11	)	)	PUNCT
ajfti-4554	309	12	.	.	PUNCT
ajfti-4554	310	1	the	the	DET
ajfti-4554	310	2	adoption	adoption	NOUN
ajfti-4554	310	3	of	of	ADP
ajfti-4554	310	4	digital	digital	ADJ
ajfti-4554	310	5	payments	payment	NOUN
ajfti-4554	310	6	in	in	ADP
ajfti-4554	310	7	emerging	emerge	VERB
ajfti-4554	310	8	economies	economy	NOUN
ajfti-4554	310	9	:	:	PUNCT
ajfti-4554	310	10	challenges	challenge	NOUN
ajfti-4554	310	11	and	and	CCONJ
ajfti-4554	310	12	policy	policy	NOUN
ajfti-4554	310	13	responses	response	NOUN
ajfti-4554	310	14	.	.	PUNCT
ajfti-4554	311	1	digital	digital	ADJ
ajfti-4554	311	2	policy	policy	NOUN
ajfti-4554	311	3	,	,	PUNCT
ajfti-4554	311	4	regulation	regulation	NOUN
ajfti-4554	311	5	and	and	CCONJ
ajfti-4554	311	6	governance	governance	NOUN
ajfti-4554	311	7	,	,	PUNCT
ajfti-4554	311	8	26(x	26(x	NUM
ajfti-4554	311	9	)	)	PUNCT
ajfti-4554	311	10	https://doi.org/10.1108/dprg06-2023-0077	https://doi.org/10.1108/dprg06-2023-0077	PROPN
ajfti-4554	311	11	schorr	schorr	PROPN
ajfti-4554	311	12	,	,	PUNCT
ajfti-4554	311	13	a.	a.	NOUN
ajfti-4554	311	14	(	(	PUNCT
ajfti-4554	311	15	2023	2023	NUM
ajfti-4554	311	16	)	)	PUNCT
ajfti-4554	311	17	.	.	PUNCT
ajfti-4554	312	1	the	the	DET
ajfti-4554	312	2	technology	technology	NOUN
ajfti-4554	312	3	acceptance	acceptance	NOUN
ajfti-4554	312	4	model	model	NOUN
ajfti-4554	312	5	(	(	PUNCT
ajfti-4554	312	6	tam	tam	PROPN
ajfti-4554	312	7	)	)	PUNCT
ajfti-4554	312	8	and	and	CCONJ
ajfti-4554	312	9	its	its	PRON
ajfti-4554	312	10	importance	importance	NOUN
ajfti-4554	312	11	for	for	ADP
ajfti-4554	312	12	digitalization	digitalization	NOUN
ajfti-4554	312	13	research	research	NOUN
ajfti-4554	312	14	:	:	PUNCT
ajfti-4554	312	15	a	a	DET
ajfti-4554	312	16	review	review	NOUN
ajfti-4554	312	17	.	.	PUNCT
ajfti-4554	313	1	https://doi.org/10.2478/9788366675896-005	https://doi.org/10.2478/9788366675896-005	PROPN
ajfti-4554	313	2	vijayagopal	vijayagopal	ADJ
ajfti-4554	313	3	,	,	PUNCT
ajfti-4554	313	4	p.	p.	PROPN
ajfti-4554	313	5	,	,	PUNCT
ajfti-4554	313	6	jain	jain	PROPN
ajfti-4554	313	7	,	,	PUNCT
ajfti-4554	313	8	b.	b.	PROPN
ajfti-4554	313	9	,	,	PUNCT
ajfti-4554	313	10	&	&	CCONJ
ajfti-4554	313	11	viswanathan	viswanathan	PROPN
ajfti-4554	313	12	,	,	PUNCT
ajfti-4554	313	13	s.	s.	PROPN
ajfti-4554	313	14	a.	a.	PROPN
ajfti-4554	313	15	(	(	PUNCT
ajfti-4554	313	16	2024	2024	NUM
ajfti-4554	313	17	)	)	PUNCT
ajfti-4554	313	18	.	.	PUNCT
ajfti-4554	314	1	regulations	regulation	NOUN
ajfti-4554	314	2	and	and	CCONJ
ajfti-4554	314	3	fintech	fintech	NOUN
ajfti-4554	314	4	:	:	PUNCT
ajfti-4554	314	5	a	a	DET
ajfti-4554	314	6	comparative	comparative	ADJ
ajfti-4554	314	7	study	study	NOUN
ajfti-4554	314	8	of	of	ADP
ajfti-4554	314	9	the	the	DET
ajfti-4554	314	10	developed	developed	ADJ
ajfti-4554	314	11	and	and	CCONJ
ajfti-4554	314	12	developing	develop	VERB
ajfti-4554	314	13	countries	country	NOUN
ajfti-4554	314	14	.	.	PUNCT
ajfti-4554	315	1	journal	journal	NOUN
ajfti-4554	315	2	of	of	ADP
ajfti-4554	315	3	risk	risk	NOUN
ajfti-4554	315	4	and	and	CCONJ
ajfti-4554	315	5	financial	financial	ADJ
ajfti-4554	315	6	management	management	NOUN
ajfti-4554	315	7	,	,	PUNCT
ajfti-4554	315	8	17(8	17(8	NUM
ajfti-4554	315	9	)	)	PUNCT
ajfti-4554	315	10	,	,	PUNCT
ajfti-4554	315	11	324	324	NUM
ajfti-4554	315	12	.	.	PUNCT
ajfti-4554	316	1	https://doi	https://doi	X
ajfti-4554	316	2	.	.	PUNCT
ajfti-4554	316	3	org/10.3390	org/10.3390	PROPN
ajfti-4554	316	4	/	/	SYM
ajfti-4554	316	5	jrfm17080324	jrfm17080324	PROPN
ajfti-4554	316	6	yang	yang	PROPN
ajfti-4554	316	7	,	,	PUNCT
ajfti-4554	316	8	a.	a.	PROPN
ajfti-4554	316	9	,	,	PUNCT
ajfti-4554	316	10	&	&	CCONJ
ajfti-4554	316	11	hancke	hancke	PROPN
ajfti-4554	316	12	,	,	PUNCT
ajfti-4554	316	13	g.	g.	PROPN
ajfti-4554	316	14	(	(	PUNCT
ajfti-4554	316	15	2017	2017	NUM
ajfti-4554	316	16	)	)	PUNCT
ajfti-4554	316	17	.	.	PUNCT
ajfti-4554	317	1	rfid	rfid	VERB
ajfti-4554	317	2	and	and	CCONJ
ajfti-4554	317	3	contactless	contactless	ADJ
ajfti-4554	317	4	technology	technology	NOUN
ajfti-4554	317	5	.	.	PUNCT
ajfti-4554	318	1	in	in	ADP
ajfti-4554	318	2	handbook	handbook	NOUN
ajfti-4554	318	3	of	of	ADP
ajfti-4554	318	4	smart	smart	ADJ
ajfti-4554	318	5	antennas	antenna	NOUN
ajfti-4554	318	6	for	for	ADP
ajfti-4554	318	7	rfid	rfid	NOUN
ajfti-4554	318	8	systems	system	NOUN
ajfti-4554	318	9	.	.	PUNCT
ajfti-4554	319	1	springer	springer	NOUN
ajfti-4554	319	2	.	.	PUNCT
ajfti-4554	320	1	https://doi.org/10.1007/978-3319-50500zehra	https://doi.org/10.1007/978-3319-50500zehra	PROPN
ajfti-4554	320	2	,	,	PUNCT
ajfti-4554	320	3	f.	f.	PROPN
ajfti-4554	320	4	,	,	PUNCT
ajfti-4554	320	5	khan	khan	PROPN
ajfti-4554	320	6	,	,	PUNCT
ajfti-4554	320	7	f.	f.	PROPN
ajfti-4554	320	8	,	,	PUNCT
ajfti-4554	320	9	mazhar	mazhar	PROPN
ajfti-4554	320	10	,	,	PUNCT
ajfti-4554	320	11	s.	s.	PROPN
ajfti-4554	320	12	,	,	PUNCT
ajfti-4554	320	13	akhlaque	akhlaque	ADJ
ajfti-4554	320	14	,	,	PUNCT
ajfti-4554	320	15	n.	n.	NOUN
ajfti-4554	320	16	,	,	PUNCT
ajfti-4554	320	17	haque	haque	PROPN
ajfti-4554	320	18	,	,	PUNCT
ajfti-4554	320	19	e.	e.	PROPN
ajfti-4554	320	20	,	,	PUNCT
ajfti-4554	320	21	&	&	CCONJ
ajfti-4554	320	22	singh	singh	PROPN
ajfti-4554	320	23	,	,	PUNCT
ajfti-4554	320	24	a.	a.	NOUN
ajfti-4554	320	25	(	(	PUNCT
ajfti-4554	320	26	2024	2024	NUM
ajfti-4554	320	27	)	)	PUNCT
ajfti-4554	320	28	.	.	PUNCT
ajfti-4554	321	1	exploring	explore	VERB
ajfti-4554	321	2	consumer	consumer	NOUN
ajfti-4554	321	3	preferences	preference	NOUN
ajfti-4554	321	4	and	and	CCONJ
ajfti-4554	321	5	behaviour	behaviour	NOUN
ajfti-4554	321	6	toward	toward	ADP
ajfti-4554	321	7	digital	digital	ADJ
ajfti-4554	321	8	payment	payment	NOUN
ajfti-4554	321	9	gateways	gateway	NOUN
ajfti-4554	321	10	in	in	ADP
ajfti-4554	321	11	india	india	PROPN
ajfti-4554	321	12	.	.	PUNCT
ajfti-4554	322	1	international	international	ADJ
ajfti-4554	322	2	journal	journal	PROPN
ajfti-4554	322	3	of	of	ADP
ajfti-4554	322	4	experimental	experimental	ADJ
ajfti-4554	322	5	research	research	NOUN
ajfti-4554	322	6	and	and	CCONJ
ajfti-4554	322	7	review	review	NOUN
ajfti-4554	322	8	,	,	PUNCT
ajfti-4554	322	9	41	41	NUM
ajfti-4554	322	10	,	,	PUNCT
ajfti-4554	322	11	158–167	158–167	NUM
ajfti-4554	322	12	.	.	PUNCT
ajfti-4554	323	1	https://doi.org/10.52756/	https://doi.org/10.52756/	NOUN
ajfti-4554	323	2	ijerr.2024.v41spl.013	ijerr.2024.v41spl.013	NOUN