id	keyword
ajfti-3807	banking
ajfti-3807	internet
ajfti-3807	internet banking
ajfti-3807	sudan
ajfti-3807	model
ajfti-3807	services
ajfti-3807	factors
ajfti-3807	technology
ajfti-3807	usage
ajfti-3807	use
ajfti-3807	adoption
ajfti-3807	journal
ajfti-3807	et al