id	sid	tid	token	lemma	pos
american_scientific_journal-4025	1	1	75	75	NUM
american_scientific_journal-4025	1	2	american	american	ADJ
american_scientific_journal-4025	1	3	scientific	scientific	ADJ
american_scientific_journal-4025	1	4	research	research	NOUN
american_scientific_journal-4025	1	5	journal	journal	NOUN
american_scientific_journal-4025	1	6	for	for	ADP
american_scientific_journal-4025	1	7	engineering	engineering	NOUN
american_scientific_journal-4025	1	8	,	,	PUNCT
american_scientific_journal-4025	1	9	technology	technology	NOUN
american_scientific_journal-4025	1	10	,	,	PUNCT
american_scientific_journal-4025	1	11	and	and	CCONJ
american_scientific_journal-4025	1	12	sciences	science	NOUN
american_scientific_journal-4025	1	13	(	(	PUNCT
american_scientific_journal-4025	1	14	asrjets	asrjet	NOUN
american_scientific_journal-4025	1	15	)	)	PUNCT
american_scientific_journal-4025	1	16	issn	issn	PROPN
american_scientific_journal-4025	1	17	(	(	PUNCT
american_scientific_journal-4025	1	18	print	print	NOUN
american_scientific_journal-4025	1	19	)	)	PUNCT
american_scientific_journal-4025	1	20	2313	2313	NUM
american_scientific_journal-4025	1	21	-	-	SYM
american_scientific_journal-4025	1	22	4410	4410	NUM
american_scientific_journal-4025	1	23	,	,	PUNCT
american_scientific_journal-4025	1	24	issn	issn	PROPN
american_scientific_journal-4025	1	25	(	(	PUNCT
american_scientific_journal-4025	1	26	online	online	ADJ
american_scientific_journal-4025	1	27	)	)	PUNCT
american_scientific_journal-4025	1	28	2313	2313	NUM
american_scientific_journal-4025	1	29	-	-	SYM
american_scientific_journal-4025	1	30	4402	4402	NUM
american_scientific_journal-4025	1	31	©	©	PROPN
american_scientific_journal-4025	1	32	global	global	ADJ
american_scientific_journal-4025	1	33	society	society	NOUN
american_scientific_journal-4025	1	34	of	of	ADP
american_scientific_journal-4025	1	35	scientific	scientific	ADJ
american_scientific_journal-4025	1	36	research	research	NOUN
american_scientific_journal-4025	1	37	and	and	CCONJ
american_scientific_journal-4025	1	38	researchers	researcher	NOUN
american_scientific_journal-4025	1	39	http://asrjetsjournal.org/	http://asrjetsjournal.org/	ADJ
american_scientific_journal-4025	1	40	role	role	NOUN
american_scientific_journal-4025	1	41	of	of	ADP
american_scientific_journal-4025	1	42	information	information	NOUN
american_scientific_journal-4025	1	43	communication	communication	NOUN
american_scientific_journal-4025	1	44	technology	technology	NOUN
american_scientific_journal-4025	1	45	(	(	PUNCT
american_scientific_journal-4025	1	46	ict	ict	PROPN
american_scientific_journal-4025	1	47	)	)	PUNCT
american_scientific_journal-4025	1	48	in	in	ADP
american_scientific_journal-4025	1	49	nepalese	nepalese	ADJ
american_scientific_journal-4025	1	50	banking	banking	NOUN
american_scientific_journal-4025	1	51	industry	industry	PROPN
american_scientific_journal-4025	1	52	niranjan	niranjan	PROPN
american_scientific_journal-4025	1	53	sapkotaa	sapkotaa	PROPN
american_scientific_journal-4025	1	54	,	,	PUNCT
american_scientific_journal-4025	1	55	niroj	niroj	NOUN
american_scientific_journal-4025	1	56	paudelb	paudelb	NOUN
american_scientific_journal-4025	1	57	,	,	PUNCT
american_scientific_journal-4025	1	58	dipak	dipak	PROPN
american_scientific_journal-4025	1	59	kumar	kumar	PROPN
american_scientific_journal-4025	1	60	subedic	subedic	PROPN
american_scientific_journal-4025	1	61	,	,	PUNCT
american_scientific_journal-4025	1	62	raju	raju	PROPN
american_scientific_journal-4025	1	63	bhattaraid	bhattaraid	PROPN
american_scientific_journal-4025	1	64	,	,	PUNCT
american_scientific_journal-4025	1	65	rajesh	rajesh	PROPN
american_scientific_journal-4025	1	66	shresthae	shresthae	PROPN
american_scientific_journal-4025	1	67	*	*	VERB
american_scientific_journal-4025	1	68	adepartment	adepartment	NOUN
american_scientific_journal-4025	1	69	of	of	ADP
american_scientific_journal-4025	1	70	computer	computer	NOUN
american_scientific_journal-4025	1	71	science	science	NOUN
american_scientific_journal-4025	1	72	,	,	PUNCT
american_scientific_journal-4025	1	73	amrit	amrit	PROPN
american_scientific_journal-4025	1	74	science	science	NOUN
american_scientific_journal-4025	1	75	campus	campus	NOUN
american_scientific_journal-4025	1	76	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	1	77	(	(	PUNCT
american_scientific_journal-4025	1	78	tu	tu	PROPN
american_scientific_journal-4025	1	79	)	)	PUNCT
american_scientific_journal-4025	1	80	,	,	PUNCT
american_scientific_journal-4025	1	81	nepal	nepal	ADJ
american_scientific_journal-4025	1	82	bdepartment	bdepartment	NOUN
american_scientific_journal-4025	1	83	of	of	ADP
american_scientific_journal-4025	1	84	applied	applied	ADJ
american_scientific_journal-4025	1	85	plant	plant	NOUN
american_scientific_journal-4025	1	86	sciences	science	NOUN
american_scientific_journal-4025	1	87	,	,	PUNCT
american_scientific_journal-4025	1	88	kangwon	kangwon	VERB
american_scientific_journal-4025	1	89	national	national	PROPN
american_scientific_journal-4025	1	90	university	university	PROPN
american_scientific_journal-4025	1	91	,	,	PUNCT
american_scientific_journal-4025	1	92	chuncheon	chuncheon	PROPN
american_scientific_journal-4025	1	93	24341	24341	NUM
american_scientific_journal-4025	1	94	,	,	PUNCT
american_scientific_journal-4025	1	95	korea	korea	PROPN
american_scientific_journal-4025	1	96	cdepartment	cdepartment	PROPN
american_scientific_journal-4025	1	97	of	of	ADP
american_scientific_journal-4025	1	98	physics	physics	PROPN
american_scientific_journal-4025	1	99	,	,	PUNCT
american_scientific_journal-4025	1	100	patan	patan	ADJ
american_scientific_journal-4025	1	101	multiple	multiple	ADJ
american_scientific_journal-4025	1	102	campus	campus	NOUN
american_scientific_journal-4025	1	103	(	(	PUNCT
american_scientific_journal-4025	1	104	tu	tu	PROPN
american_scientific_journal-4025	1	105	)	)	PUNCT
american_scientific_journal-4025	1	106	,	,	PUNCT
american_scientific_journal-4025	1	107	lalitpur	lalitpur	NOUN
american_scientific_journal-4025	1	108	,	,	PUNCT
american_scientific_journal-4025	1	109	nepal	nepal	ADJ
american_scientific_journal-4025	1	110	ddepartment	ddepartment	NOUN
american_scientific_journal-4025	1	111	of	of	ADP
american_scientific_journal-4025	1	112	chemistry	chemistry	NOUN
american_scientific_journal-4025	1	113	,	,	PUNCT
american_scientific_journal-4025	1	114	trichandra	trichandra	VERB
american_scientific_journal-4025	1	115	multiple	multiple	ADJ
american_scientific_journal-4025	1	116	campus	campus	NOUN
american_scientific_journal-4025	1	117	(	(	PUNCT
american_scientific_journal-4025	1	118	tu	tu	PROPN
american_scientific_journal-4025	1	119	)	)	PUNCT
american_scientific_journal-4025	1	120	,	,	PUNCT
american_scientific_journal-4025	1	121	katmandu	katmandu	PROPN
american_scientific_journal-4025	1	122	nepal	nepal	PROPN
american_scientific_journal-4025	1	123	edepartment	edepartment	PROPN
american_scientific_journal-4025	1	124	of	of	ADP
american_scientific_journal-4025	1	125	physics	physics	PROPN
american_scientific_journal-4025	1	126	,	,	PUNCT
american_scientific_journal-4025	1	127	trichandra	trichandra	VERB
american_scientific_journal-4025	1	128	multiple	multiple	ADJ
american_scientific_journal-4025	1	129	campus	campus	NOUN
american_scientific_journal-4025	1	130	(	(	PUNCT
american_scientific_journal-4025	1	131	tu	tu	PROPN
american_scientific_journal-4025	1	132	)	)	PUNCT
american_scientific_journal-4025	1	133	,	,	PUNCT
american_scientific_journal-4025	1	134	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	1	135	,	,	PUNCT
american_scientific_journal-4025	1	136	nepal	nepal	ADJ
american_scientific_journal-4025	1	137	aemail	aemail	NOUN
american_scientific_journal-4025	1	138	:	:	PUNCT
american_scientific_journal-4025	1	139	nirajan.sapkota@gmail.com	nirajan.sapkota@gmail.com	X
american_scientific_journal-4025	1	140	,	,	PUNCT
american_scientific_journal-4025	1	141	bemail	bemail	NOUN
american_scientific_journal-4025	1	142	:	:	PUNCT
american_scientific_journal-4025	1	143	nirojjirauna@gmail.com	nirojjirauna@gmail.com	X
american_scientific_journal-4025	1	144	,	,	PUNCT
american_scientific_journal-4025	1	145	cemail	cemail	NOUN
american_scientific_journal-4025	1	146	:	:	PUNCT
american_scientific_journal-4025	2	1	dsubedi48@gmail.com	dsubedi48@gmail.com	X
american_scientific_journal-4025	2	2	demail	demail	NOUN
american_scientific_journal-4025	2	3	:	:	PUNCT
american_scientific_journal-4025	2	4	bhattarairaju29@gmail.com	bhattarairaju29@gmail.com	X
american_scientific_journal-4025	2	5	,	,	PUNCT
american_scientific_journal-4025	2	6	eemail	eemail	NOUN
american_scientific_journal-4025	2	7	:	:	PUNCT
american_scientific_journal-4025	2	8	rajeshshrestha402@gmail.com	rajeshshrestha402@gmail.com	X
american_scientific_journal-4025	2	9	abstract	abstract	ADJ
american_scientific_journal-4025	2	10	public	public	ADJ
american_scientific_journal-4025	2	11	and	and	CCONJ
american_scientific_journal-4025	2	12	private	private	ADJ
american_scientific_journal-4025	2	13	sectors	sector	NOUN
american_scientific_journal-4025	2	14	,	,	PUNCT
american_scientific_journal-4025	2	15	organization	organization	NOUN
american_scientific_journal-4025	2	16	has	have	AUX
american_scientific_journal-4025	2	17	been	be	AUX
american_scientific_journal-4025	2	18	keen	keen	ADJ
american_scientific_journal-4025	2	19	to	to	PART
american_scientific_journal-4025	2	20	harness	harness	VERB
american_scientific_journal-4025	2	21	the	the	DET
american_scientific_journal-4025	2	22	potential	potential	NOUN
american_scientific_journal-4025	2	23	of	of	ADP
american_scientific_journal-4025	2	24	ict	ict	PROPN
american_scientific_journal-4025	2	25	to	to	PART
american_scientific_journal-4025	2	26	enhance	enhance	VERB
american_scientific_journal-4025	2	27	its	its	PRON
american_scientific_journal-4025	2	28	administrative	administrative	ADJ
american_scientific_journal-4025	2	29	,	,	PUNCT
american_scientific_journal-4025	2	30	managerial	managerial	ADJ
american_scientific_journal-4025	2	31	and	and	CCONJ
american_scientific_journal-4025	2	32	clinical	clinical	ADJ
american_scientific_journal-4025	2	33	performance	performance	NOUN
american_scientific_journal-4025	2	34	.	.	PUNCT
american_scientific_journal-4025	3	1	successful	successful	ADJ
american_scientific_journal-4025	3	2	implementation	implementation	NOUN
american_scientific_journal-4025	3	3	of	of	ADP
american_scientific_journal-4025	3	4	the	the	DET
american_scientific_journal-4025	3	5	new	new	ADJ
american_scientific_journal-4025	3	6	technology	technology	NOUN
american_scientific_journal-4025	3	7	depended	depend	VERB
american_scientific_journal-4025	3	8	upon	upon	SCONJ
american_scientific_journal-4025	3	9	acceptance	acceptance	NOUN
american_scientific_journal-4025	3	10	by	by	ADP
american_scientific_journal-4025	3	11	organizational	organizational	ADJ
american_scientific_journal-4025	3	12	member	member	NOUN
american_scientific_journal-4025	3	13	targets	target	NOUN
american_scientific_journal-4025	3	14	as	as	ADP
american_scientific_journal-4025	3	15	its	its	PRON
american_scientific_journal-4025	3	16	end	end	NOUN
american_scientific_journal-4025	3	17	-	-	PUNCT
american_scientific_journal-4025	3	18	users	user	NOUN
american_scientific_journal-4025	3	19	.	.	PUNCT
american_scientific_journal-4025	4	1	the	the	DET
american_scientific_journal-4025	4	2	experiment	experiment	NOUN
american_scientific_journal-4025	4	3	is	be	AUX
american_scientific_journal-4025	4	4	done	do	VERB
american_scientific_journal-4025	4	5	by	by	ADP
american_scientific_journal-4025	4	6	the	the	DET
american_scientific_journal-4025	4	7	help	help	NOUN
american_scientific_journal-4025	4	8	of	of	ADP
american_scientific_journal-4025	4	9	both	both	CCONJ
american_scientific_journal-4025	4	10	primary	primary	ADJ
american_scientific_journal-4025	4	11	and	and	CCONJ
american_scientific_journal-4025	4	12	secondary	secondary	ADJ
american_scientific_journal-4025	4	13	data	datum	NOUN
american_scientific_journal-4025	4	14	.	.	PUNCT
american_scientific_journal-4025	5	1	primary	primary	ADJ
american_scientific_journal-4025	5	2	data	datum	NOUN
american_scientific_journal-4025	5	3	have	have	AUX
american_scientific_journal-4025	5	4	been	be	AUX
american_scientific_journal-4025	5	5	collected	collect	VERB
american_scientific_journal-4025	5	6	from	from	ADP
american_scientific_journal-4025	5	7	the	the	DET
american_scientific_journal-4025	5	8	structured	structured	ADJ
american_scientific_journal-4025	5	9	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	5	10	developed	develop	VERB
american_scientific_journal-4025	5	11	for	for	ADP
american_scientific_journal-4025	5	12	the	the	DET
american_scientific_journal-4025	5	13	employee	employee	NOUN
american_scientific_journal-4025	5	14	of	of	ADP
american_scientific_journal-4025	5	15	the	the	DET
american_scientific_journal-4025	5	16	bank	bank	NOUN
american_scientific_journal-4025	5	17	and	and	CCONJ
american_scientific_journal-4025	5	18	the	the	DET
american_scientific_journal-4025	5	19	customers	customer	NOUN
american_scientific_journal-4025	5	20	.	.	PUNCT
american_scientific_journal-4025	6	1	secondary	secondary	ADJ
american_scientific_journal-4025	6	2	data	datum	NOUN
american_scientific_journal-4025	6	3	have	have	AUX
american_scientific_journal-4025	6	4	been	be	AUX
american_scientific_journal-4025	6	5	collected	collect	VERB
american_scientific_journal-4025	6	6	from	from	ADP
american_scientific_journal-4025	6	7	the	the	DET
american_scientific_journal-4025	6	8	website	website	NOUN
american_scientific_journal-4025	6	9	of	of	ADP
american_scientific_journal-4025	6	10	nepal	nepal	PROPN
american_scientific_journal-4025	6	11	rasta	rasta	PROPN
american_scientific_journal-4025	6	12	bank	bank	PROPN
american_scientific_journal-4025	6	13	,	,	PUNCT
american_scientific_journal-4025	6	14	ict	ict	PROPN
american_scientific_journal-4025	6	15	related	relate	VERB
american_scientific_journal-4025	6	16	journals	journal	NOUN
american_scientific_journal-4025	6	17	,	,	PUNCT
american_scientific_journal-4025	6	18	banking	banking	NOUN
american_scientific_journal-4025	6	19	articles	article	NOUN
american_scientific_journal-4025	6	20	and	and	CCONJ
american_scientific_journal-4025	6	21	other	other	ADJ
american_scientific_journal-4025	6	22	published	publish	VERB
american_scientific_journal-4025	6	23	sources	source	NOUN
american_scientific_journal-4025	6	24	.	.	PUNCT
american_scientific_journal-4025	7	1	the	the	DET
american_scientific_journal-4025	7	2	study	study	NOUN
american_scientific_journal-4025	7	3	purpose	purpose	NOUN
american_scientific_journal-4025	7	4	is	be	AUX
american_scientific_journal-4025	7	5	to	to	PART
american_scientific_journal-4025	7	6	gain	gain	VERB
american_scientific_journal-4025	7	7	a	a	DET
american_scientific_journal-4025	7	8	more	more	ADV
american_scientific_journal-4025	7	9	complete	complete	ADJ
american_scientific_journal-4025	7	10	understanding	understanding	NOUN
american_scientific_journal-4025	7	11	of	of	ADP
american_scientific_journal-4025	7	12	the	the	DET
american_scientific_journal-4025	7	13	change	change	NOUN
american_scientific_journal-4025	7	14	management	management	NOUN
american_scientific_journal-4025	7	15	factors	factor	NOUN
american_scientific_journal-4025	7	16	affecting	affect	VERB
american_scientific_journal-4025	7	17	the	the	DET
american_scientific_journal-4025	7	18	acceptance	acceptance	NOUN
american_scientific_journal-4025	7	19	of	of	ADP
american_scientific_journal-4025	7	20	the	the	PRON
american_scientific_journal-4025	7	21	.	.	PUNCT
american_scientific_journal-4025	8	1	the	the	DET
american_scientific_journal-4025	8	2	present	present	ADJ
american_scientific_journal-4025	8	3	study	study	NOUN
american_scientific_journal-4025	8	4	was	be	AUX
american_scientific_journal-4025	8	5	aimed	aim	VERB
american_scientific_journal-4025	8	6	to	to	PART
american_scientific_journal-4025	8	7	explore	explore	VERB
american_scientific_journal-4025	8	8	the	the	DET
american_scientific_journal-4025	8	9	prevailing	prevail	VERB
american_scientific_journal-4025	8	10	status	status	NOUN
american_scientific_journal-4025	8	11	of	of	ADP
american_scientific_journal-4025	8	12	the	the	DET
american_scientific_journal-4025	8	13	use	use	NOUN
american_scientific_journal-4025	8	14	of	of	ADP
american_scientific_journal-4025	8	15	ict	ict	PROPN
american_scientific_journal-4025	8	16	in	in	ADP
american_scientific_journal-4025	8	17	commercial	commercial	ADJ
american_scientific_journal-4025	8	18	banking	banking	NOUN
american_scientific_journal-4025	8	19	services	service	NOUN
american_scientific_journal-4025	8	20	,	,	PUNCT
american_scientific_journal-4025	8	21	assess	assess	VERB
american_scientific_journal-4025	8	22	the	the	DET
american_scientific_journal-4025	8	23	extent	extent	NOUN
american_scientific_journal-4025	8	24	of	of	ADP
american_scientific_journal-4025	8	25	perceived	perceive	VERB
american_scientific_journal-4025	8	26	benefits	benefit	NOUN
american_scientific_journal-4025	8	27	of	of	ADP
american_scientific_journal-4025	8	28	the	the	DET
american_scientific_journal-4025	8	29	use	use	NOUN
american_scientific_journal-4025	8	30	of	of	ADP
american_scientific_journal-4025	8	31	ict	ict	NOUN
american_scientific_journal-4025	8	32	and	and	CCONJ
american_scientific_journal-4025	8	33	analyze	analyze	VERB
american_scientific_journal-4025	8	34	the	the	DET
american_scientific_journal-4025	8	35	key	key	ADJ
american_scientific_journal-4025	8	36	problems	problem	NOUN
american_scientific_journal-4025	8	37	and	and	CCONJ
american_scientific_journal-4025	8	38	their	their	PRON
american_scientific_journal-4025	8	39	corrective	corrective	ADJ
american_scientific_journal-4025	8	40	measures	measure	NOUN
american_scientific_journal-4025	8	41	so	so	SCONJ
american_scientific_journal-4025	8	42	as	as	SCONJ
american_scientific_journal-4025	8	43	to	to	PART
american_scientific_journal-4025	8	44	leverage	leverage	VERB
american_scientific_journal-4025	8	45	the	the	DET
american_scientific_journal-4025	8	46	use	use	NOUN
american_scientific_journal-4025	8	47	of	of	ADP
american_scientific_journal-4025	8	48	ict	ict	NOUN
american_scientific_journal-4025	8	49	in	in	ADP
american_scientific_journal-4025	8	50	commercial	commercial	ADJ
american_scientific_journal-4025	8	51	banking	banking	NOUN
american_scientific_journal-4025	8	52	in	in	ADP
american_scientific_journal-4025	8	53	the	the	DET
american_scientific_journal-4025	8	54	country	country	NOUN
american_scientific_journal-4025	8	55	.	.	PUNCT
american_scientific_journal-4025	9	1	the	the	DET
american_scientific_journal-4025	9	2	study	study	NOUN
american_scientific_journal-4025	9	3	found	find	VERB
american_scientific_journal-4025	9	4	explores	explore	NOUN
american_scientific_journal-4025	9	5	the	the	DET
american_scientific_journal-4025	9	6	banking	banking	NOUN
american_scientific_journal-4025	9	7	sector	sector	NOUN
american_scientific_journal-4025	9	8	using	use	VERB
american_scientific_journal-4025	9	9	the	the	DET
american_scientific_journal-4025	9	10	information	information	NOUN
american_scientific_journal-4025	9	11	and	and	CCONJ
american_scientific_journal-4025	9	12	technology	technology	NOUN
american_scientific_journal-4025	9	13	.	.	PUNCT
american_scientific_journal-4025	10	1	the	the	DET
american_scientific_journal-4025	10	2	study	study	NOUN
american_scientific_journal-4025	10	3	helps	help	VERB
american_scientific_journal-4025	10	4	to	to	PART
american_scientific_journal-4025	10	5	provide	provide	VERB
american_scientific_journal-4025	10	6	the	the	DET
american_scientific_journal-4025	10	7	information	information	NOUN
american_scientific_journal-4025	10	8	about	about	ADP
american_scientific_journal-4025	10	9	the	the	DET
american_scientific_journal-4025	10	10	corns	corn	NOUN
american_scientific_journal-4025	10	11	and	and	CCONJ
american_scientific_journal-4025	10	12	pros	pro	NOUN
american_scientific_journal-4025	10	13	of	of	ADP
american_scientific_journal-4025	10	14	using	use	VERB
american_scientific_journal-4025	10	15	information	information	NOUN
american_scientific_journal-4025	10	16	and	and	CCONJ
american_scientific_journal-4025	10	17	communication	communication	NOUN
american_scientific_journal-4025	10	18	technology	technology	NOUN
american_scientific_journal-4025	10	19	in	in	ADP
american_scientific_journal-4025	10	20	the	the	DET
american_scientific_journal-4025	10	21	present	present	ADJ
american_scientific_journal-4025	10	22	context	context	NOUN
american_scientific_journal-4025	10	23	of	of	ADP
american_scientific_journal-4025	10	24	nepalese	nepalese	ADJ
american_scientific_journal-4025	10	25	banking	banking	NOUN
american_scientific_journal-4025	10	26	sector	sector	NOUN
american_scientific_journal-4025	10	27	.	.	PUNCT
american_scientific_journal-4025	11	1	keywords	keyword	NOUN
american_scientific_journal-4025	11	2	:	:	PUNCT
american_scientific_journal-4025	11	3	banking	banking	NOUN
american_scientific_journal-4025	11	4	;	;	PUNCT
american_scientific_journal-4025	11	5	explore	explore	VERB
american_scientific_journal-4025	11	6	;	;	PUNCT
american_scientific_journal-4025	11	7	ict	ict	NOUN
american_scientific_journal-4025	11	8	;	;	PUNCT
american_scientific_journal-4025	11	9	public	public	ADJ
american_scientific_journal-4025	11	10	and	and	CCONJ
american_scientific_journal-4025	11	11	private	private	ADJ
american_scientific_journal-4025	11	12	sector	sector	NOUN
american_scientific_journal-4025	11	13	;	;	PUNCT
american_scientific_journal-4025	11	14	primary	primary	ADJ
american_scientific_journal-4025	11	15	and	and	CCONJ
american_scientific_journal-4025	11	16	secondary	secondary	ADJ
american_scientific_journal-4025	11	17	data	datum	NOUN
american_scientific_journal-4025	11	18	.	.	PUNCT
american_scientific_journal-4025	12	1	-----------------------------------------------------------------------	-----------------------------------------------------------------------	PUNCT
american_scientific_journal-4025	13	1	*	*	PUNCT
american_scientific_journal-4025	13	2	corresponding	correspond	VERB
american_scientific_journal-4025	13	3	author	author	NOUN
american_scientific_journal-4025	13	4	.	.	PUNCT
american_scientific_journal-4025	14	1	http://asrjetsjournal.org/	http://asrjetsjournal.org/	PROPN
american_scientific_journal-4025	14	2	american	american	PROPN
american_scientific_journal-4025	14	3	scientific	scientific	PROPN
american_scientific_journal-4025	14	4	research	research	NOUN
american_scientific_journal-4025	14	5	journal	journal	NOUN
american_scientific_journal-4025	14	6	for	for	ADP
american_scientific_journal-4025	14	7	engineering	engineering	NOUN
american_scientific_journal-4025	14	8	,	,	PUNCT
american_scientific_journal-4025	14	9	technology	technology	NOUN
american_scientific_journal-4025	14	10	,	,	PUNCT
american_scientific_journal-4025	14	11	and	and	CCONJ
american_scientific_journal-4025	14	12	sciences	science	NOUN
american_scientific_journal-4025	14	13	(	(	PUNCT
american_scientific_journal-4025	14	14	asrjets	asrjet	NOUN
american_scientific_journal-4025	14	15	)	)	PUNCT
american_scientific_journal-4025	14	16	(	(	PUNCT
american_scientific_journal-4025	14	17	2018	2018	NUM
american_scientific_journal-4025	14	18	)	)	PUNCT
american_scientific_journal-4025	14	19	volume	volume	NOUN
american_scientific_journal-4025	14	20	42	42	NUM
american_scientific_journal-4025	14	21	,	,	PUNCT
american_scientific_journal-4025	14	22	no	no	DET
american_scientific_journal-4025	14	23	1	1	NUM
american_scientific_journal-4025	14	24	,	,	PUNCT
american_scientific_journal-4025	14	25	pp	pp	ADV
american_scientific_journal-4025	14	26	75	75	NUM
american_scientific_journal-4025	14	27	-	-	SYM
american_scientific_journal-4025	14	28	88	88	NUM
american_scientific_journal-4025	14	29	76	76	NUM
american_scientific_journal-4025	14	30	1	1	NUM
american_scientific_journal-4025	14	31	.	.	PUNCT
american_scientific_journal-4025	14	32	introduction	introduction	NOUN
american_scientific_journal-4025	14	33	as	as	ADP
american_scientific_journal-4025	14	34	over	over	ADP
american_scientific_journal-4025	14	35	the	the	DET
american_scientific_journal-4025	14	36	past	past	ADJ
american_scientific_journal-4025	14	37	twenty	twenty	NUM
american_scientific_journal-4025	14	38	years	year	NOUN
american_scientific_journal-4025	14	39	the	the	DET
american_scientific_journal-4025	14	40	level	level	NOUN
american_scientific_journal-4025	14	41	of	of	ADP
american_scientific_journal-4025	14	42	penetration	penetration	NOUN
american_scientific_journal-4025	14	43	and	and	CCONJ
american_scientific_journal-4025	14	44	sophistication	sophistication	NOUN
american_scientific_journal-4025	14	45	of	of	ADP
american_scientific_journal-4025	14	46	information	information	NOUN
american_scientific_journal-4025	14	47	technology	technology	NOUN
american_scientific_journal-4025	14	48	(	(	PUNCT
american_scientific_journal-4025	14	49	it	it	PRON
american_scientific_journal-4025	14	50	)	)	PUNCT
american_scientific_journal-4025	14	51	has	have	AUX
american_scientific_journal-4025	14	52	grown	grow	VERB
american_scientific_journal-4025	14	53	dramatically	dramatically	ADV
american_scientific_journal-4025	14	54	,	,	PUNCT
american_scientific_journal-4025	14	55	with	with	ADP
american_scientific_journal-4025	14	56	computer	computer	NOUN
american_scientific_journal-4025	14	57	-	-	PUNCT
american_scientific_journal-4025	14	58	based	base	VERB
american_scientific_journal-4025	14	59	information	information	NOUN
american_scientific_journal-4025	14	60	systems	system	NOUN
american_scientific_journal-4025	14	61	actively	actively	ADV
american_scientific_journal-4025	14	62	supporting	support	VERB
american_scientific_journal-4025	14	63	all	all	DET
american_scientific_journal-4025	14	64	key	key	ADJ
american_scientific_journal-4025	14	65	business	business	NOUN
american_scientific_journal-4025	14	66	processes	process	NOUN
american_scientific_journal-4025	14	67	and	and	CCONJ
american_scientific_journal-4025	14	68	significantly	significantly	ADV
american_scientific_journal-4025	14	69	enhancing	enhance	VERB
american_scientific_journal-4025	14	70	both	both	CCONJ
american_scientific_journal-4025	14	71	the	the	DET
american_scientific_journal-4025	14	72	operational	operational	ADJ
american_scientific_journal-4025	14	73	effectiveness	effectiveness	NOUN
american_scientific_journal-4025	14	74	and	and	CCONJ
american_scientific_journal-4025	14	75	the	the	DET
american_scientific_journal-4025	14	76	strategic	strategic	ADJ
american_scientific_journal-4025	14	77	direction	direction	NOUN
american_scientific_journal-4025	14	78	of	of	ADP
american_scientific_journal-4025	14	79	organizations	organization	NOUN
american_scientific_journal-4025	14	80	of	of	ADP
american_scientific_journal-4025	14	81	all	all	DET
american_scientific_journal-4025	14	82	types	type	NOUN
american_scientific_journal-4025	14	83	.	.	PUNCT
american_scientific_journal-4025	15	1	in	in	ADP
american_scientific_journal-4025	15	2	both	both	CCONJ
american_scientific_journal-4025	15	3	the	the	DET
american_scientific_journal-4025	15	4	public	public	ADJ
american_scientific_journal-4025	15	5	and	and	CCONJ
american_scientific_journal-4025	15	6	private	private	ADJ
american_scientific_journal-4025	15	7	sectors	sector	NOUN
american_scientific_journal-4025	15	8	,	,	PUNCT
american_scientific_journal-4025	15	9	organization	organization	NOUN
american_scientific_journal-4025	15	10	has	have	AUX
american_scientific_journal-4025	15	11	been	be	AUX
american_scientific_journal-4025	15	12	keen	keen	ADJ
american_scientific_journal-4025	15	13	to	to	PART
american_scientific_journal-4025	15	14	harness	harness	VERB
american_scientific_journal-4025	15	15	the	the	DET
american_scientific_journal-4025	15	16	potential	potential	NOUN
american_scientific_journal-4025	15	17	of	of	ADP
american_scientific_journal-4025	15	18	ict	ict	PROPN
american_scientific_journal-4025	15	19	to	to	PART
american_scientific_journal-4025	15	20	enhance	enhance	VERB
american_scientific_journal-4025	15	21	its	its	PRON
american_scientific_journal-4025	15	22	administrative	administrative	ADJ
american_scientific_journal-4025	15	23	,	,	PUNCT
american_scientific_journal-4025	15	24	managerial	managerial	ADJ
american_scientific_journal-4025	15	25	and	and	CCONJ
american_scientific_journal-4025	15	26	clinical	clinical	ADJ
american_scientific_journal-4025	15	27	performance	performance	NOUN
american_scientific_journal-4025	15	28	.	.	PUNCT
american_scientific_journal-4025	16	1	unfortunately	unfortunately	ADV
american_scientific_journal-4025	16	2	,	,	PUNCT
american_scientific_journal-4025	16	3	the	the	DET
american_scientific_journal-4025	16	4	acquisition	acquisition	NOUN
american_scientific_journal-4025	16	5	and	and	CCONJ
american_scientific_journal-4025	16	6	introduction	introduction	NOUN
american_scientific_journal-4025	16	7	of	of	ADP
american_scientific_journal-4025	16	8	it	it	PRON
american_scientific_journal-4025	16	9	is	be	AUX
american_scientific_journal-4025	16	10	still	still	ADV
american_scientific_journal-4025	16	11	dogged	dog	VERB
american_scientific_journal-4025	16	12	by	by	ADP
american_scientific_journal-4025	16	13	high	high	ADJ
american_scientific_journal-4025	16	14	failure	failure	NOUN
american_scientific_journal-4025	16	15	rates	rate	NOUN
american_scientific_journal-4025	16	16	.	.	PUNCT
american_scientific_journal-4025	17	1	successful	successful	ADJ
american_scientific_journal-4025	17	2	implementation	implementation	NOUN
american_scientific_journal-4025	17	3	of	of	ADP
american_scientific_journal-4025	17	4	the	the	DET
american_scientific_journal-4025	17	5	new	new	ADJ
american_scientific_journal-4025	17	6	technology	technology	NOUN
american_scientific_journal-4025	17	7	depended	depend	VERB
american_scientific_journal-4025	17	8	upon	upon	SCONJ
american_scientific_journal-4025	17	9	acceptance	acceptance	NOUN
american_scientific_journal-4025	17	10	by	by	ADP
american_scientific_journal-4025	17	11	organizational	organizational	ADJ
american_scientific_journal-4025	17	12	member	member	NOUN
american_scientific_journal-4025	17	13	targets	target	NOUN
american_scientific_journal-4025	17	14	as	as	ADP
american_scientific_journal-4025	17	15	its	its	PRON
american_scientific_journal-4025	17	16	end	end	NOUN
american_scientific_journal-4025	17	17	-	-	PUNCT
american_scientific_journal-4025	17	18	users	user	NOUN
american_scientific_journal-4025	17	19	.	.	PUNCT
american_scientific_journal-4025	18	1	thus	thus	ADV
american_scientific_journal-4025	18	2	,	,	PUNCT
american_scientific_journal-4025	18	3	having	have	VERB
american_scientific_journal-4025	18	4	the	the	DET
american_scientific_journal-4025	18	5	technology	technology	NOUN
american_scientific_journal-4025	18	6	available	available	ADJ
american_scientific_journal-4025	18	7	is	be	AUX
american_scientific_journal-4025	18	8	simply	simply	ADV
american_scientific_journal-4025	18	9	not	not	PART
american_scientific_journal-4025	18	10	enough	enough	ADJ
american_scientific_journal-4025	18	11	;	;	PUNCT
american_scientific_journal-4025	18	12	it	it	PRON
american_scientific_journal-4025	18	13	must	must	AUX
american_scientific_journal-4025	18	14	be	be	AUX
american_scientific_journal-4025	18	15	accepted	accept	VERB
american_scientific_journal-4025	18	16	and	and	CCONJ
american_scientific_journal-4025	18	17	used	use	VERB
american_scientific_journal-4025	18	18	appropriately	appropriately	ADV
american_scientific_journal-4025	18	19	by	by	ADP
american_scientific_journal-4025	18	20	its	its	PRON
american_scientific_journal-4025	18	21	target	target	NOUN
american_scientific_journal-4025	18	22	user	user	NOUN
american_scientific_journal-4025	18	23	group	group	NOUN
american_scientific_journal-4025	18	24	in	in	ADP
american_scientific_journal-4025	18	25	order	order	NOUN
american_scientific_journal-4025	18	26	to	to	PART
american_scientific_journal-4025	18	27	realize	realize	VERB
american_scientific_journal-4025	18	28	anticipated	anticipate	VERB
american_scientific_journal-4025	18	29	productivity	productivity	NOUN
american_scientific_journal-4025	18	30	gains	gain	NOUN
american_scientific_journal-4025	18	31	[	[	X
american_scientific_journal-4025	18	32	1].in	1].in	NUM
american_scientific_journal-4025	18	33	fact	fact	NOUN
american_scientific_journal-4025	18	34	,	,	PUNCT
american_scientific_journal-4025	18	35	the	the	DET
american_scientific_journal-4025	18	36	implementation	implementation	NOUN
american_scientific_journal-4025	18	37	of	of	ADP
american_scientific_journal-4025	18	38	an	an	DET
american_scientific_journal-4025	18	39	it	it	PRON
american_scientific_journal-4025	18	40	project	project	NOUN
american_scientific_journal-4025	18	41	constitutes	constitute	VERB
american_scientific_journal-4025	18	42	a	a	DET
american_scientific_journal-4025	18	43	major	major	ADJ
american_scientific_journal-4025	18	44	change	change	NOUN
american_scientific_journal-4025	18	45	for	for	ADP
american_scientific_journal-4025	18	46	any	any	DET
american_scientific_journal-4025	18	47	organization	organization	NOUN
american_scientific_journal-4025	18	48	;	;	PUNCT
american_scientific_journal-4025	18	49	the	the	DET
american_scientific_journal-4025	18	50	actual	actual	ADJ
american_scientific_journal-4025	18	51	implementation	implementation	NOUN
american_scientific_journal-4025	18	52	appears	appear	VERB
american_scientific_journal-4025	18	53	to	to	PART
american_scientific_journal-4025	18	54	be	be	AUX
american_scientific_journal-4025	18	55	very	very	ADV
american_scientific_journal-4025	18	56	heavily	heavily	ADV
american_scientific_journal-4025	18	57	biased	biased	ADJ
american_scientific_journal-4025	18	58	toward	toward	ADP
american_scientific_journal-4025	18	59	the	the	DET
american_scientific_journal-4025	18	60	technological	technological	ADJ
american_scientific_journal-4025	18	61	aspects	aspect	NOUN
american_scientific_journal-4025	18	62	while	while	SCONJ
american_scientific_journal-4025	18	63	paying	pay	VERB
american_scientific_journal-4025	18	64	little	little	ADJ
american_scientific_journal-4025	18	65	attention	attention	NOUN
american_scientific_journal-4025	18	66	to	to	ADP
american_scientific_journal-4025	18	67	managing	manage	VERB
american_scientific_journal-4025	18	68	the	the	DET
american_scientific_journal-4025	18	69	changes	change	NOUN
american_scientific_journal-4025	18	70	in	in	ADP
american_scientific_journal-4025	18	71	process	process	NOUN
american_scientific_journal-4025	18	72	,	,	PUNCT
american_scientific_journal-4025	18	73	structure	structure	NOUN
american_scientific_journal-4025	18	74	and	and	CCONJ
american_scientific_journal-4025	18	75	culture	culture	NOUN
american_scientific_journal-4025	18	76	.	.	PUNCT
american_scientific_journal-4025	19	1	since	since	SCONJ
american_scientific_journal-4025	19	2	the	the	DET
american_scientific_journal-4025	19	3	seventies	seventy	NOUN
american_scientific_journal-4025	19	4	,	,	PUNCT
american_scientific_journal-4025	19	5	research	research	NOUN
american_scientific_journal-4025	19	6	has	have	AUX
american_scientific_journal-4025	19	7	concentrated	concentrate	VERB
american_scientific_journal-4025	19	8	its	its	PRON
american_scientific_journal-4025	19	9	efforts	effort	NOUN
american_scientific_journal-4025	19	10	on	on	ADP
american_scientific_journal-4025	19	11	identifying	identify	VERB
american_scientific_journal-4025	19	12	the	the	DET
american_scientific_journal-4025	19	13	conditions	condition	NOUN
american_scientific_journal-4025	19	14	or	or	CCONJ
american_scientific_journal-4025	19	15	factors	factor	NOUN
american_scientific_journal-4025	19	16	that	that	PRON
american_scientific_journal-4025	19	17	could	could	AUX
american_scientific_journal-4025	19	18	facilitate	facilitate	VERB
american_scientific_journal-4025	19	19	the	the	DET
american_scientific_journal-4025	19	20	integration	integration	NOUN
american_scientific_journal-4025	19	21	of	of	ADP
american_scientific_journal-4025	19	22	is	be	AUX
american_scientific_journal-4025	19	23	into	into	ADP
american_scientific_journal-4025	19	24	business	business	NOUN
american_scientific_journal-4025	19	25	.	.	PUNCT
american_scientific_journal-4025	20	1	this	this	DET
american_scientific_journal-4025	20	2	search	search	NOUN
american_scientific_journal-4025	20	3	has	have	AUX
american_scientific_journal-4025	20	4	produced	produce	VERB
american_scientific_journal-4025	20	5	a	a	DET
american_scientific_journal-4025	20	6	long	long	ADJ
american_scientific_journal-4025	20	7	list	list	NOUN
american_scientific_journal-4025	20	8	of	of	ADP
american_scientific_journal-4025	20	9	factors	factor	NOUN
american_scientific_journal-4025	20	10	that	that	PRON
american_scientific_journal-4025	20	11	seem	seem	VERB
american_scientific_journal-4025	20	12	to	to	PART
american_scientific_journal-4025	20	13	influence	influence	VERB
american_scientific_journal-4025	20	14	the	the	DET
american_scientific_journal-4025	20	15	use	use	NOUN
american_scientific_journal-4025	20	16	of	of	ADP
american_scientific_journal-4025	20	17	technology	technology	NOUN
american_scientific_journal-4025	20	18	[	[	X
american_scientific_journal-4025	20	19	2	2	NUM
american_scientific_journal-4025	20	20	]	]	PUNCT
american_scientific_journal-4025	20	21	.	.	PUNCT
american_scientific_journal-4025	21	1	from	from	ADP
american_scientific_journal-4025	21	2	the	the	DET
american_scientific_journal-4025	21	3	mid	mid	PROPN
american_scientific_journal-4025	21	4	-	-	NOUN
american_scientific_journal-4025	21	5	eighties	eighty	NOUN
american_scientific_journal-4025	21	6	,	,	PUNCT
american_scientific_journal-4025	21	7	information	information	NOUN
american_scientific_journal-4025	21	8	system	system	NOUN
american_scientific_journal-4025	21	9	(	(	PUNCT
american_scientific_journal-4025	21	10	is	be	AUX
american_scientific_journal-4025	21	11	)	)	PUNCT
american_scientific_journal-4025	21	12	researchers	researcher	NOUN
american_scientific_journal-4025	21	13	[	[	X
american_scientific_journal-4025	21	14	3	3	X
american_scientific_journal-4025	21	15	]	]	PUNCT
american_scientific_journal-4025	21	16	have	have	AUX
american_scientific_journal-4025	21	17	concentrated	concentrate	VERB
american_scientific_journal-4025	21	18	their	their	PRON
american_scientific_journal-4025	21	19	efforts	effort	NOUN
american_scientific_journal-4025	21	20	on	on	ADP
american_scientific_journal-4025	21	21	developing	develop	VERB
american_scientific_journal-4025	21	22	and	and	CCONJ
american_scientific_journal-4025	21	23	testing	testing	NOUN
american_scientific_journal-4025	21	24	models	model	NOUN
american_scientific_journal-4025	21	25	that	that	PRON
american_scientific_journal-4025	21	26	could	could	AUX
american_scientific_journal-4025	21	27	help	help	VERB
american_scientific_journal-4025	21	28	in	in	ADP
american_scientific_journal-4025	21	29	predicting	predict	VERB
american_scientific_journal-4025	21	30	system	system	NOUN
american_scientific_journal-4025	21	31	use	use	NOUN
american_scientific_journal-4025	21	32	.	.	PUNCT
american_scientific_journal-4025	22	1	davis	davis	PROPN
american_scientific_journal-4025	22	2	proposed	propose	VERB
american_scientific_journal-4025	22	3	one	one	NUM
american_scientific_journal-4025	22	4	of	of	ADP
american_scientific_journal-4025	22	5	them	they	PRON
american_scientific_journal-4025	22	6	,	,	PUNCT
american_scientific_journal-4025	22	7	the	the	DET
american_scientific_journal-4025	22	8	technology	technology	NOUN
american_scientific_journal-4025	22	9	.	.	PUNCT
american_scientific_journal-4025	23	1	ict	ict	PROPN
american_scientific_journal-4025	23	2	is	be	AUX
american_scientific_journal-4025	23	3	central	central	ADJ
american_scientific_journal-4025	23	4	to	to	ADP
american_scientific_journal-4025	23	5	all	all	DET
american_scientific_journal-4025	23	6	organizations	organization	NOUN
american_scientific_journal-4025	23	7	.	.	PUNCT
american_scientific_journal-4025	24	1	it	it	PRON
american_scientific_journal-4025	24	2	has	have	AUX
american_scientific_journal-4025	24	3	moved	move	VERB
american_scientific_journal-4025	24	4	from	from	ADP
american_scientific_journal-4025	24	5	being	be	AUX
american_scientific_journal-4025	24	6	just	just	ADV
american_scientific_journal-4025	24	7	a	a	DET
american_scientific_journal-4025	24	8	business	business	NOUN
american_scientific_journal-4025	24	9	enabler	enabler	NOUN
american_scientific_journal-4025	24	10	to	to	ADP
american_scientific_journal-4025	24	11	being	be	AUX
american_scientific_journal-4025	24	12	a	a	DET
american_scientific_journal-4025	24	13	business	business	NOUN
american_scientific_journal-4025	24	14	driver	driver	NOUN
american_scientific_journal-4025	24	15	.	.	PUNCT
american_scientific_journal-4025	25	1	in	in	ADP
american_scientific_journal-4025	25	2	a	a	DET
american_scientific_journal-4025	25	3	manner	manner	NOUN
american_scientific_journal-4025	25	4	the	the	DET
american_scientific_journal-4025	25	5	banking	banking	NOUN
american_scientific_journal-4025	25	6	and	and	CCONJ
american_scientific_journal-4025	25	7	financial	financial	ADJ
american_scientific_journal-4025	25	8	services	service	NOUN
american_scientific_journal-4025	25	9	sector	sector	NOUN
american_scientific_journal-4025	25	10	,	,	PUNCT
american_scientific_journal-4025	25	11	being	be	AUX
american_scientific_journal-4025	25	12	the	the	DET
american_scientific_journal-4025	25	13	early	early	ADJ
american_scientific_journal-4025	25	14	adapters	adapter	NOUN
american_scientific_journal-4025	25	15	of	of	ADP
american_scientific_journal-4025	25	16	any	any	DET
american_scientific_journal-4025	25	17	new	new	ADJ
american_scientific_journal-4025	25	18	technology	technology	NOUN
american_scientific_journal-4025	25	19	defines	define	VERB
american_scientific_journal-4025	25	20	the	the	DET
american_scientific_journal-4025	25	21	roadmap	roadmap	NOUN
american_scientific_journal-4025	25	22	for	for	ADP
american_scientific_journal-4025	25	23	future	future	ADJ
american_scientific_journal-4025	25	24	technology	technology	NOUN
american_scientific_journal-4025	25	25	adoption	adoption	NOUN
american_scientific_journal-4025	25	26	.	.	PUNCT
american_scientific_journal-4025	26	1	rapid	rapid	ADJ
american_scientific_journal-4025	26	2	advancement	advancement	NOUN
american_scientific_journal-4025	26	3	in	in	ADP
american_scientific_journal-4025	26	4	ict	ict	PROPN
american_scientific_journal-4025	26	5	has	have	AUX
american_scientific_journal-4025	26	6	had	have	VERB
american_scientific_journal-4025	26	7	a	a	DET
american_scientific_journal-4025	26	8	profound	profound	ADJ
american_scientific_journal-4025	26	9	effect	effect	NOUN
american_scientific_journal-4025	26	10	on	on	ADP
american_scientific_journal-4025	26	11	the	the	DET
american_scientific_journal-4025	26	12	banking	banking	NOUN
american_scientific_journal-4025	26	13	industry	industry	NOUN
american_scientific_journal-4025	26	14	and	and	CCONJ
american_scientific_journal-4025	26	15	the	the	DET
american_scientific_journal-4025	26	16	wider	wide	ADJ
american_scientific_journal-4025	26	17	financial	financial	ADJ
american_scientific_journal-4025	26	18	sector	sector	NOUN
american_scientific_journal-4025	26	19	over	over	ADP
american_scientific_journal-4025	26	20	last	last	ADJ
american_scientific_journal-4025	26	21	two	two	NUM
american_scientific_journal-4025	26	22	decades	decade	NOUN
american_scientific_journal-4025	26	23	,	,	PUNCT
american_scientific_journal-4025	26	24	ict	ict	PROPN
american_scientific_journal-4025	26	25	is	be	AUX
american_scientific_journal-4025	26	26	now	now	ADV
american_scientific_journal-4025	26	27	a	a	DET
american_scientific_journal-4025	26	28	tool	tool	NOUN
american_scientific_journal-4025	26	29	that	that	PRON
american_scientific_journal-4025	26	30	facilitates	facilitate	VERB
american_scientific_journal-4025	26	31	the	the	DET
american_scientific_journal-4025	26	32	bank	bank	NOUN
american_scientific_journal-4025	26	33	’s	’s	PART
american_scientific_journal-4025	26	34	organizational	organizational	ADJ
american_scientific_journal-4025	26	35	structure	structure	NOUN
american_scientific_journal-4025	26	36	,	,	PUNCT
american_scientific_journal-4025	26	37	business	business	NOUN
american_scientific_journal-4025	26	38	strategies	strategy	NOUN
american_scientific_journal-4025	26	39	and	and	CCONJ
american_scientific_journal-4025	26	40	customer	customer	NOUN
american_scientific_journal-4025	26	41	services	service	NOUN
american_scientific_journal-4025	26	42	[	[	X
american_scientific_journal-4025	26	43	4	4	NUM
american_scientific_journal-4025	26	44	]	]	PUNCT
american_scientific_journal-4025	26	45	.	.	PUNCT
american_scientific_journal-4025	27	1	by	by	ADP
american_scientific_journal-4025	27	2	referring	refer	VERB
american_scientific_journal-4025	27	3	the	the	DET
american_scientific_journal-4025	27	4	history	history	NOUN
american_scientific_journal-4025	27	5	of	of	ADP
american_scientific_journal-4025	27	6	ict	ict	PROPN
american_scientific_journal-4025	27	7	in	in	ADP
american_scientific_journal-4025	27	8	banking	banking	NOUN
american_scientific_journal-4025	27	9	sector	sector	NOUN
american_scientific_journal-4025	27	10	,	,	PUNCT
american_scientific_journal-4025	27	11	the	the	DET
american_scientific_journal-4025	27	12	advancement	advancement	NOUN
american_scientific_journal-4025	27	13	and	and	CCONJ
american_scientific_journal-4025	27	14	interest	interest	NOUN
american_scientific_journal-4025	27	15	of	of	ADP
american_scientific_journal-4025	27	16	general	general	ADJ
american_scientific_journal-4025	27	17	people	people	NOUN
american_scientific_journal-4025	27	18	towards	towards	ADP
american_scientific_journal-4025	27	19	the	the	DET
american_scientific_journal-4025	27	20	ict	ict	NOUN
american_scientific_journal-4025	27	21	is	be	AUX
american_scientific_journal-4025	27	22	being	be	AUX
american_scientific_journal-4025	27	23	exploring	explore	VERB
american_scientific_journal-4025	27	24	.	.	PUNCT
american_scientific_journal-4025	28	1	along	along	ADP
american_scientific_journal-4025	28	2	with	with	ADP
american_scientific_journal-4025	28	3	the	the	DET
american_scientific_journal-4025	28	4	positive	positive	ADJ
american_scientific_journal-4025	28	5	impact	impact	NOUN
american_scientific_journal-4025	28	6	towards	towards	ADP
american_scientific_journal-4025	28	7	the	the	DET
american_scientific_journal-4025	28	8	ict	ict	NOUN
american_scientific_journal-4025	28	9	,	,	PUNCT
american_scientific_journal-4025	28	10	the	the	DET
american_scientific_journal-4025	28	11	problems	problem	NOUN
american_scientific_journal-4025	28	12	are	be	AUX
american_scientific_journal-4025	28	13	also	also	ADV
american_scientific_journal-4025	28	14	raising	raise	VERB
american_scientific_journal-4025	28	15	.	.	PUNCT
american_scientific_journal-4025	29	1	unhealthy	unhealthy	ADJ
american_scientific_journal-4025	29	2	communication	communication	NOUN
american_scientific_journal-4025	29	3	,	,	PUNCT
american_scientific_journal-4025	29	4	circuit	circuit	NOUN
american_scientific_journal-4025	29	5	break	break	NOUN
american_scientific_journal-4025	29	6	,	,	PUNCT
american_scientific_journal-4025	29	7	temporary	temporary	ADJ
american_scientific_journal-4025	29	8	blockage	blockage	NOUN
american_scientific_journal-4025	29	9	of	of	ADP
american_scientific_journal-4025	29	10	systems	system	NOUN
american_scientific_journal-4025	29	11	etc	etc	X
american_scientific_journal-4025	29	12	.	.	X
american_scientific_journal-4025	29	13	create	create	VERB
american_scientific_journal-4025	29	14	the	the	DET
american_scientific_journal-4025	29	15	customer	customer	NOUN
american_scientific_journal-4025	29	16	dissatisfaction	dissatisfaction	NOUN
american_scientific_journal-4025	29	17	towards	towards	ADP
american_scientific_journal-4025	29	18	the	the	DET
american_scientific_journal-4025	29	19	service	service	NOUN
american_scientific_journal-4025	29	20	provided	provide	VERB
american_scientific_journal-4025	29	21	by	by	ADP
american_scientific_journal-4025	29	22	financial	financial	ADJ
american_scientific_journal-4025	29	23	institutions	institution	NOUN
american_scientific_journal-4025	29	24	,	,	PUNCT
american_scientific_journal-4025	29	25	the	the	DET
american_scientific_journal-4025	29	26	core	core	NOUN
american_scientific_journal-4025	29	27	issues	issue	NOUN
american_scientific_journal-4025	29	28	faced	face	VERB
american_scientific_journal-4025	29	29	by	by	ADP
american_scientific_journal-4025	29	30	the	the	DET
american_scientific_journal-4025	29	31	banks	bank	NOUN
american_scientific_journal-4025	29	32	today	today	NOUN
american_scientific_journal-4025	29	33	are	be	AUX
american_scientific_journal-4025	29	34	on	on	ADP
american_scientific_journal-4025	29	35	the	the	DET
american_scientific_journal-4025	29	36	fronts	front	NOUN
american_scientific_journal-4025	29	37	of	of	ADP
american_scientific_journal-4025	29	38	customer	customer	NOUN
american_scientific_journal-4025	29	39	’s	’s	PART
american_scientific_journal-4025	29	40	expectations	expectation	NOUN
american_scientific_journal-4025	29	41	,	,	PUNCT
american_scientific_journal-4025	29	42	cutting	cut	VERB
american_scientific_journal-4025	29	43	operational	operational	ADJ
american_scientific_journal-4025	29	44	costs	cost	NOUN
american_scientific_journal-4025	29	45	,	,	PUNCT
american_scientific_journal-4025	29	46	and	and	CCONJ
american_scientific_journal-4025	29	47	managing	manage	VERB
american_scientific_journal-4025	29	48	competition	competition	NOUN
american_scientific_journal-4025	29	49	.	.	PUNCT
american_scientific_journal-4025	30	1	technology	technology	NOUN
american_scientific_journal-4025	30	2	can	can	AUX
american_scientific_journal-4025	30	3	help	help	VERB
american_scientific_journal-4025	30	4	banks	bank	NOUN
american_scientific_journal-4025	30	5	in	in	ADP
american_scientific_journal-4025	30	6	meeting	meet	VERB
american_scientific_journal-4025	30	7	these	these	DET
american_scientific_journal-4025	30	8	objectives	objective	NOUN
american_scientific_journal-4025	30	9	.	.	PUNCT
american_scientific_journal-4025	31	1	ict	ict	PROPN
american_scientific_journal-4025	31	2	has	have	AUX
american_scientific_journal-4025	31	3	empowered	empower	VERB
american_scientific_journal-4025	31	4	top	top	ADJ
american_scientific_journal-4025	31	5	management	management	NOUN
american_scientific_journal-4025	31	6	of	of	ADP
american_scientific_journal-4025	31	7	banks	bank	NOUN
american_scientific_journal-4025	31	8	of	of	ADP
american_scientific_journal-4025	31	9	nepal	nepal	NOUN
american_scientific_journal-4025	31	10	to	to	PART
american_scientific_journal-4025	31	11	gain	gain	VERB
american_scientific_journal-4025	31	12	greater	great	ADJ
american_scientific_journal-4025	31	13	visibility	visibility	NOUN
american_scientific_journal-4025	31	14	and	and	CCONJ
american_scientific_journal-4025	31	15	control	control	NOUN
american_scientific_journal-4025	31	16	.	.	PUNCT
american_scientific_journal-4025	32	1	it	it	PRON
american_scientific_journal-4025	32	2	also	also	ADV
american_scientific_journal-4025	32	3	provides	provide	VERB
american_scientific_journal-4025	32	4	a	a	DET
american_scientific_journal-4025	32	5	wide	wide	ADJ
american_scientific_journal-4025	32	6	range	range	NOUN
american_scientific_journal-4025	32	7	of	of	ADP
american_scientific_journal-4025	32	8	financial	financial	ADJ
american_scientific_journal-4025	32	9	options	option	NOUN
american_scientific_journal-4025	32	10	and	and	CCONJ
american_scientific_journal-4025	32	11	greater	great	ADJ
american_scientific_journal-4025	32	12	convenience	convenience	NOUN
american_scientific_journal-4025	32	13	with	with	ADP
american_scientific_journal-4025	32	14	borderless	borderless	ADJ
american_scientific_journal-4025	32	15	approach	approach	NOUN
american_scientific_journal-4025	32	16	.	.	PUNCT
american_scientific_journal-4025	33	1	besides	besides	SCONJ
american_scientific_journal-4025	33	2	,	,	PUNCT
american_scientific_journal-4025	33	3	it	it	PRON
american_scientific_journal-4025	33	4	has	have	AUX
american_scientific_journal-4025	33	5	opened	open	VERB
american_scientific_journal-4025	33	6	the	the	DET
american_scientific_journal-4025	33	7	banking	banking	NOUN
american_scientific_journal-4025	33	8	services	service	NOUN
american_scientific_journal-4025	33	9	and	and	CCONJ
american_scientific_journal-4025	33	10	products	product	NOUN
american_scientific_journal-4025	33	11	beyond	beyond	ADP
american_scientific_journal-4025	33	12	local	local	ADJ
american_scientific_journal-4025	33	13	market	market	NOUN
american_scientific_journal-4025	33	14	,	,	PUNCT
american_scientific_journal-4025	33	15	especially	especially	ADV
american_scientific_journal-4025	33	16	for	for	ADP
american_scientific_journal-4025	33	17	nepalese	nepalese	ADJ
american_scientific_journal-4025	33	18	residing	reside	VERB
american_scientific_journal-4025	33	19	abroad	abroad	ADV
american_scientific_journal-4025	33	20	to	to	PART
american_scientific_journal-4025	33	21	have	have	VERB
american_scientific_journal-4025	33	22	banking	banking	NOUN
american_scientific_journal-4025	33	23	relationship	relationship	NOUN
american_scientific_journal-4025	33	24	with	with	ADP
american_scientific_journal-4025	33	25	their	their	PRON
american_scientific_journal-4025	33	26	banks	bank	NOUN
american_scientific_journal-4025	33	27	in	in	ADP
american_scientific_journal-4025	33	28	nepal	nepal	ADJ
american_scientific_journal-4025	33	29	.	.	PUNCT
american_scientific_journal-4025	34	1	at	at	ADP
american_scientific_journal-4025	34	2	present	present	ADJ
american_scientific_journal-4025	34	3	context	context	NOUN
american_scientific_journal-4025	34	4	,	,	PUNCT
american_scientific_journal-4025	34	5	nepalese	nepalese	ADJ
american_scientific_journal-4025	34	6	banks	bank	NOUN
american_scientific_journal-4025	34	7	are	be	AUX
american_scientific_journal-4025	34	8	ready	ready	ADJ
american_scientific_journal-4025	34	9	to	to	PART
american_scientific_journal-4025	34	10	provide	provide	VERB
american_scientific_journal-4025	34	11	world	world	NOUN
american_scientific_journal-4025	34	12	-	-	PUNCT
american_scientific_journal-4025	34	13	class	class	NOUN
american_scientific_journal-4025	34	14	services	service	NOUN
american_scientific_journal-4025	34	15	to	to	ADP
american_scientific_journal-4025	34	16	their	their	PRON
american_scientific_journal-4025	34	17	american	american	ADJ
american_scientific_journal-4025	34	18	scientific	scientific	ADJ
american_scientific_journal-4025	34	19	research	research	NOUN
american_scientific_journal-4025	34	20	journal	journal	NOUN
american_scientific_journal-4025	34	21	for	for	ADP
american_scientific_journal-4025	34	22	engineering	engineering	NOUN
american_scientific_journal-4025	34	23	,	,	PUNCT
american_scientific_journal-4025	34	24	technology	technology	NOUN
american_scientific_journal-4025	34	25	,	,	PUNCT
american_scientific_journal-4025	34	26	and	and	CCONJ
american_scientific_journal-4025	34	27	sciences	science	NOUN
american_scientific_journal-4025	34	28	(	(	PUNCT
american_scientific_journal-4025	34	29	asrjets	asrjet	NOUN
american_scientific_journal-4025	34	30	)	)	PUNCT
american_scientific_journal-4025	34	31	(	(	PUNCT
american_scientific_journal-4025	34	32	2018	2018	NUM
american_scientific_journal-4025	34	33	)	)	PUNCT
american_scientific_journal-4025	34	34	volume	volume	NOUN
american_scientific_journal-4025	34	35	42	42	NUM
american_scientific_journal-4025	34	36	,	,	PUNCT
american_scientific_journal-4025	34	37	no	no	DET
american_scientific_journal-4025	34	38	1	1	NUM
american_scientific_journal-4025	34	39	,	,	PUNCT
american_scientific_journal-4025	34	40	pp	pp	ADV
american_scientific_journal-4025	34	41	75	75	NUM
american_scientific_journal-4025	34	42	-	-	SYM
american_scientific_journal-4025	34	43	88	88	NUM
american_scientific_journal-4025	34	44	77	77	NUM
american_scientific_journal-4025	34	45	customers	customer	NOUN
american_scientific_journal-4025	34	46	.	.	PUNCT
american_scientific_journal-4025	35	1	there	there	PRON
american_scientific_journal-4025	35	2	are	be	VERB
american_scientific_journal-4025	35	3	multiple	multiple	ADJ
american_scientific_journal-4025	35	4	channels	channel	NOUN
american_scientific_journal-4025	35	5	including	include	VERB
american_scientific_journal-4025	35	6	net	net	ADJ
american_scientific_journal-4025	35	7	payments	payment	NOUN
american_scientific_journal-4025	35	8	system	system	NOUN
american_scientific_journal-4025	35	9	and	and	CCONJ
american_scientific_journal-4025	35	10	net	net	ADJ
american_scientific_journal-4025	35	11	credit	credit	NOUN
american_scientific_journal-4025	35	12	cards	card	NOUN
american_scientific_journal-4025	35	13	.	.	PUNCT
american_scientific_journal-4025	36	1	till	till	SCONJ
american_scientific_journal-4025	36	2	date	date	NOUN
american_scientific_journal-4025	36	3	,	,	PUNCT
american_scientific_journal-4025	36	4	almost	almost	ADV
american_scientific_journal-4025	36	5	every	every	PRON
american_scientific_journal-4025	36	6	financial	financial	ADJ
american_scientific_journal-4025	36	7	institution	institution	NOUN
american_scientific_journal-4025	36	8	is	be	AUX
american_scientific_journal-4025	36	9	providing	provide	VERB
american_scientific_journal-4025	36	10	ict	ict	PROPN
american_scientific_journal-4025	36	11	services	service	NOUN
american_scientific_journal-4025	36	12	to	to	ADP
american_scientific_journal-4025	36	13	its	its	PRON
american_scientific_journal-4025	36	14	customers	customer	NOUN
american_scientific_journal-4025	36	15	.	.	PUNCT
american_scientific_journal-4025	37	1	before	before	ADP
american_scientific_journal-4025	37	2	introduction	introduction	NOUN
american_scientific_journal-4025	37	3	of	of	ADP
american_scientific_journal-4025	37	4	ict	ict	NOUN
american_scientific_journal-4025	37	5	in	in	ADP
american_scientific_journal-4025	37	6	the	the	DET
american_scientific_journal-4025	37	7	banking	banking	NOUN
american_scientific_journal-4025	37	8	sector	sector	NOUN
american_scientific_journal-4025	37	9	of	of	ADP
american_scientific_journal-4025	37	10	nepal	nepal	ADJ
american_scientific_journal-4025	37	11	,	,	PUNCT
american_scientific_journal-4025	37	12	it	it	PRON
american_scientific_journal-4025	37	13	was	be	AUX
american_scientific_journal-4025	37	14	very	very	ADV
american_scientific_journal-4025	37	15	difficult	difficult	ADJ
american_scientific_journal-4025	37	16	to	to	PART
american_scientific_journal-4025	37	17	provide	provide	VERB
american_scientific_journal-4025	37	18	services	service	NOUN
american_scientific_journal-4025	37	19	to	to	ADP
american_scientific_journal-4025	37	20	the	the	DET
american_scientific_journal-4025	37	21	customers	customer	NOUN
american_scientific_journal-4025	37	22	and	and	CCONJ
american_scientific_journal-4025	37	23	operate	operate	VERB
american_scientific_journal-4025	37	24	the	the	DET
american_scientific_journal-4025	37	25	banking	banking	NOUN
american_scientific_journal-4025	37	26	system	system	NOUN
american_scientific_journal-4025	37	27	as	as	ADV
american_scientific_journal-4025	37	28	well	well	ADV
american_scientific_journal-4025	37	29	.	.	PUNCT
american_scientific_journal-4025	38	1	it	it	PRON
american_scientific_journal-4025	38	2	was	be	AUX
american_scientific_journal-4025	38	3	also	also	ADV
american_scientific_journal-4025	38	4	very	very	ADV
american_scientific_journal-4025	38	5	difficult	difficult	ADJ
american_scientific_journal-4025	38	6	to	to	PART
american_scientific_journal-4025	38	7	operate	operate	VERB
american_scientific_journal-4025	38	8	the	the	DET
american_scientific_journal-4025	38	9	banking	banking	NOUN
american_scientific_journal-4025	38	10	sector	sector	NOUN
american_scientific_journal-4025	38	11	with	with	ADP
american_scientific_journal-4025	38	12	the	the	DET
american_scientific_journal-4025	38	13	branches	branch	NOUN
american_scientific_journal-4025	38	14	due	due	ADJ
american_scientific_journal-4025	38	15	to	to	ADP
american_scientific_journal-4025	38	16	lack	lack	NOUN
american_scientific_journal-4025	38	17	of	of	ADP
american_scientific_journal-4025	38	18	networking	networking	NOUN
american_scientific_journal-4025	38	19	and	and	CCONJ
american_scientific_journal-4025	38	20	paper	paper	NOUN
american_scientific_journal-4025	38	21	money	money	NOUN
american_scientific_journal-4025	38	22	were	be	AUX
american_scientific_journal-4025	38	23	used	use	VERB
american_scientific_journal-4025	38	24	which	which	PRON
american_scientific_journal-4025	38	25	are	be	AUX
american_scientific_journal-4025	38	26	fragile	fragile	ADJ
american_scientific_journal-4025	38	27	compared	compare	VERB
american_scientific_journal-4025	38	28	to	to	ADP
american_scientific_journal-4025	38	29	the	the	DET
american_scientific_journal-4025	38	30	ict	ict	NOUN
american_scientific_journal-4025	38	31	.	.	PUNCT
american_scientific_journal-4025	39	1	all	all	DET
american_scientific_journal-4025	39	2	banks	bank	NOUN
american_scientific_journal-4025	39	3	were	be	AUX
american_scientific_journal-4025	39	4	considered	consider	VERB
american_scientific_journal-4025	39	5	as	as	ADP
american_scientific_journal-4025	39	6	traditional	traditional	ADJ
american_scientific_journal-4025	39	7	banks	bank	NOUN
american_scientific_journal-4025	39	8	and	and	CCONJ
american_scientific_journal-4025	39	9	were	be	AUX
american_scientific_journal-4025	39	10	operating	operate	VERB
american_scientific_journal-4025	39	11	under	under	ADP
american_scientific_journal-4025	39	12	sheer	sheer	ADJ
american_scientific_journal-4025	39	13	weight	weight	NOUN
american_scientific_journal-4025	39	14	of	of	ADP
american_scientific_journal-4025	39	15	manpower	manpower	NOUN
american_scientific_journal-4025	39	16	.	.	PUNCT
american_scientific_journal-4025	40	1	there	there	PRON
american_scientific_journal-4025	40	2	was	be	VERB
american_scientific_journal-4025	40	3	traditional	traditional	ADJ
american_scientific_journal-4025	40	4	division	division	NOUN
american_scientific_journal-4025	40	5	of	of	ADP
american_scientific_journal-4025	40	6	labor	labor	NOUN
american_scientific_journal-4025	40	7	and	and	CCONJ
american_scientific_journal-4025	40	8	administrative	administrative	ADJ
american_scientific_journal-4025	40	9	structure	structure	NOUN
american_scientific_journal-4025	40	10	was	be	AUX
american_scientific_journal-4025	40	11	highly	highly	ADV
american_scientific_journal-4025	40	12	regimented	regimented	ADJ
american_scientific_journal-4025	40	13	.	.	PUNCT
american_scientific_journal-4025	41	1	moreover	moreover	ADV
american_scientific_journal-4025	41	2	,	,	PUNCT
american_scientific_journal-4025	41	3	there	there	PRON
american_scientific_journal-4025	41	4	was	be	VERB
american_scientific_journal-4025	41	5	manual	manual	ADJ
american_scientific_journal-4025	41	6	input	input	NOUN
american_scientific_journal-4025	41	7	of	of	ADP
american_scientific_journal-4025	41	8	records	record	NOUN
american_scientific_journal-4025	41	9	and	and	CCONJ
american_scientific_journal-4025	41	10	data	datum	NOUN
american_scientific_journal-4025	41	11	and	and	CCONJ
american_scientific_journal-4025	41	12	transactions	transaction	NOUN
american_scientific_journal-4025	41	13	were	be	AUX
american_scientific_journal-4025	41	14	circumscribed	circumscribe	VERB
american_scientific_journal-4025	41	15	by	by	ADP
american_scientific_journal-4025	41	16	heavy	heavy	ADJ
american_scientific_journal-4025	41	17	regulation	regulation	NOUN
american_scientific_journal-4025	41	18	.	.	PUNCT
american_scientific_journal-4025	42	1	there	there	PRON
american_scientific_journal-4025	42	2	was	be	VERB
american_scientific_journal-4025	42	3	also	also	ADV
american_scientific_journal-4025	42	4	limited	limited	ADJ
american_scientific_journal-4025	42	5	competition	competition	NOUN
american_scientific_journal-4025	42	6	among	among	ADP
american_scientific_journal-4025	42	7	the	the	DET
american_scientific_journal-4025	42	8	commercial	commercial	ADJ
american_scientific_journal-4025	42	9	banks	bank	NOUN
american_scientific_journal-4025	42	10	and	and	CCONJ
american_scientific_journal-4025	42	11	minimal	minimal	ADJ
american_scientific_journal-4025	42	12	technology	technology	NOUN
american_scientific_journal-4025	42	13	was	be	AUX
american_scientific_journal-4025	42	14	used	use	VERB
american_scientific_journal-4025	42	15	.	.	PUNCT
american_scientific_journal-4025	43	1	when	when	SCONJ
american_scientific_journal-4025	43	2	effectively	effectively	ADV
american_scientific_journal-4025	43	3	integrated	integrate	VERB
american_scientific_journal-4025	43	4	into	into	ADP
american_scientific_journal-4025	43	5	a	a	DET
american_scientific_journal-4025	43	6	high	high	ADJ
american_scientific_journal-4025	43	7	-	-	PUNCT
american_scientific_journal-4025	43	8	quality	quality	NOUN
american_scientific_journal-4025	43	9	user	user	NOUN
american_scientific_journal-4025	43	10	based	base	VERB
american_scientific_journal-4025	43	11	environment	environment	NOUN
american_scientific_journal-4025	43	12	,	,	PUNCT
american_scientific_journal-4025	43	13	researchers	researcher	NOUN
american_scientific_journal-4025	43	14	have	have	AUX
american_scientific_journal-4025	43	15	demonstrated	demonstrate	VERB
american_scientific_journal-4025	43	16	that	that	SCONJ
american_scientific_journal-4025	43	17	ict	ict	PROPN
american_scientific_journal-4025	43	18	can	can	AUX
american_scientific_journal-4025	43	19	help	help	VERB
american_scientific_journal-4025	43	20	deepen	deepen	VERB
american_scientific_journal-4025	43	21	users	user	NOUN
american_scientific_journal-4025	43	22	’	'	PUNCT
american_scientific_journal-4025	43	23	content	content	NOUN
american_scientific_journal-4025	43	24	knowledge	knowledge	NOUN
american_scientific_journal-4025	43	25	,	,	PUNCT
american_scientific_journal-4025	43	26	engage	engage	VERB
american_scientific_journal-4025	43	27	them	they	PRON
american_scientific_journal-4025	43	28	in	in	ADP
american_scientific_journal-4025	43	29	performing	perform	VERB
american_scientific_journal-4025	43	30	own	own	ADJ
american_scientific_journal-4025	43	31	request	request	NOUN
american_scientific_journal-4025	43	32	by	by	ADP
american_scientific_journal-4025	43	33	themselves	themselves	PRON
american_scientific_journal-4025	43	34	,	,	PUNCT
american_scientific_journal-4025	43	35	and	and	CCONJ
american_scientific_journal-4025	43	36	support	support	VERB
american_scientific_journal-4025	43	37	the	the	DET
american_scientific_journal-4025	43	38	development	development	NOUN
american_scientific_journal-4025	43	39	of	of	ADP
american_scientific_journal-4025	43	40	user	user	NOUN
american_scientific_journal-4025	43	41	friendly	friendly	ADJ
american_scientific_journal-4025	43	42	environment	environment	NOUN
american_scientific_journal-4025	44	1	[	[	X
american_scientific_journal-4025	44	2	5,6	5,6	NUM
american_scientific_journal-4025	44	3	]	]	PUNCT
american_scientific_journal-4025	44	4	.	.	PUNCT
american_scientific_journal-4025	45	1	however	however	ADV
american_scientific_journal-4025	45	2	,	,	PUNCT
american_scientific_journal-4025	45	3	ict	ict	PROPN
american_scientific_journal-4025	45	4	alone	alone	ADV
american_scientific_journal-4025	45	5	can	can	AUX
american_scientific_journal-4025	45	6	not	not	PART
american_scientific_journal-4025	45	7	create	create	VERB
american_scientific_journal-4025	45	8	this	this	DET
american_scientific_journal-4025	45	9	kind	kind	NOUN
american_scientific_journal-4025	45	10	of	of	ADP
american_scientific_journal-4025	45	11	teaching	teaching	NOUN
american_scientific_journal-4025	45	12	and	and	CCONJ
american_scientific_journal-4025	45	13	learning	learn	VERB
american_scientific_journal-4025	45	14	environment	environment	NOUN
american_scientific_journal-4025	45	15	.	.	PUNCT
american_scientific_journal-4025	46	1	programmer	programmer	NOUN
american_scientific_journal-4025	46	2	must	must	AUX
american_scientific_journal-4025	46	3	know	know	VERB
american_scientific_journal-4025	46	4	how	how	SCONJ
american_scientific_journal-4025	46	5	to	to	PART
american_scientific_journal-4025	46	6	structure	structure	NOUN
american_scientific_journal-4025	46	7	attributes	attribute	NOUN
american_scientific_journal-4025	46	8	,	,	PUNCT
american_scientific_journal-4025	46	9	select	select	ADJ
american_scientific_journal-4025	46	10	resources	resource	NOUN
american_scientific_journal-4025	46	11	,	,	PUNCT
american_scientific_journal-4025	46	12	guide	guide	NOUN
american_scientific_journal-4025	46	13	activities	activity	NOUN
american_scientific_journal-4025	46	14	,	,	PUNCT
american_scientific_journal-4025	46	15	support	support	VERB
american_scientific_journal-4025	46	16	this	this	DET
american_scientific_journal-4025	46	17	learning	learning	NOUN
american_scientific_journal-4025	46	18	process	process	NOUN
american_scientific_journal-4025	46	19	and	and	CCONJ
american_scientific_journal-4025	46	20	make	make	VERB
american_scientific_journal-4025	46	21	user	user	NOUN
american_scientific_journal-4025	46	22	friendly	friendly	ADJ
american_scientific_journal-4025	46	23	;	;	PUNCT
american_scientific_journal-4025	46	24	many	many	ADJ
american_scientific_journal-4025	46	25	traditionally	traditionally	ADV
american_scientific_journal-4025	46	26	-	-	PUNCT
american_scientific_journal-4025	46	27	banking	banking	NOUN
american_scientific_journal-4025	46	28	service	service	NOUN
american_scientific_journal-4025	46	29	are	be	AUX
american_scientific_journal-4025	46	30	not	not	PART
american_scientific_journal-4025	46	31	prepared	prepared	ADJ
american_scientific_journal-4025	46	32	to	to	PART
american_scientific_journal-4025	46	33	take	take	VERB
american_scientific_journal-4025	46	34	on	on	ADP
american_scientific_journal-4025	46	35	these	these	DET
american_scientific_journal-4025	46	36	tasks	task	NOUN
american_scientific_journal-4025	46	37	.	.	PUNCT
american_scientific_journal-4025	47	1	as	as	ADP
american_scientific_journal-4025	47	2	[	[	X
american_scientific_journal-4025	47	3	7	7	NUM
american_scientific_journal-4025	47	4	]	]	PUNCT
american_scientific_journal-4025	47	5	point	point	NOUN
american_scientific_journal-4025	47	6	out	out	ADP
american_scientific_journal-4025	47	7	,	,	PUNCT
american_scientific_journal-4025	47	8	to	to	PART
american_scientific_journal-4025	47	9	use	use	VERB
american_scientific_journal-4025	47	10	technology	technology	NOUN
american_scientific_journal-4025	47	11	effectively	effectively	ADV
american_scientific_journal-4025	47	12	,	,	PUNCT
american_scientific_journal-4025	47	13	the	the	DET
american_scientific_journal-4025	47	14	pedagogical	pedagogical	ADJ
american_scientific_journal-4025	47	15	paradigm	paradigm	NOUN
american_scientific_journal-4025	47	16	needs	need	VERB
american_scientific_journal-4025	47	17	to	to	PART
american_scientific_journal-4025	47	18	shift	shift	VERB
american_scientific_journal-4025	47	19	toward	toward	ADP
american_scientific_journal-4025	47	20	more	more	ADV
american_scientific_journal-4025	47	21	clientscentered	clientscentered	ADJ
american_scientific_journal-4025	47	22	learning	learning	NOUN
american_scientific_journal-4025	47	23	.	.	PUNCT
american_scientific_journal-4025	48	1	this	this	DET
american_scientific_journal-4025	48	2	shift	shift	NOUN
american_scientific_journal-4025	48	3	is	be	AUX
american_scientific_journal-4025	48	4	not	not	PART
american_scientific_journal-4025	48	5	trivial	trivial	ADJ
american_scientific_journal-4025	48	6	or	or	CCONJ
american_scientific_journal-4025	48	7	easily	easily	ADV
american_scientific_journal-4025	48	8	accomplished	accomplish	VERB
american_scientific_journal-4025	48	9	,	,	PUNCT
american_scientific_journal-4025	48	10	particularly	particularly	ADV
american_scientific_journal-4025	48	11	in	in	ADP
american_scientific_journal-4025	48	12	financial	financial	ADJ
american_scientific_journal-4025	48	13	institutions	institution	NOUN
american_scientific_journal-4025	48	14	with	with	ADP
american_scientific_journal-4025	48	15	officecentered	officecentered	ADJ
american_scientific_journal-4025	48	16	service	service	NOUN
american_scientific_journal-4025	48	17	traditions	tradition	NOUN
american_scientific_journal-4025	48	18	.	.	PUNCT
american_scientific_journal-4025	49	1	the	the	DET
american_scientific_journal-4025	49	2	literature	literature	NOUN
american_scientific_journal-4025	49	3	suggests	suggest	VERB
american_scientific_journal-4025	49	4	that	that	SCONJ
american_scientific_journal-4025	49	5	four	four	NUM
american_scientific_journal-4025	49	6	broad	broad	ADJ
american_scientific_journal-4025	49	7	sets	set	NOUN
american_scientific_journal-4025	49	8	of	of	ADP
american_scientific_journal-4025	49	9	changes	change	NOUN
american_scientific_journal-4025	49	10	should	should	AUX
american_scientific_journal-4025	49	11	accompany	accompany	VERB
american_scientific_journal-4025	49	12	the	the	DET
american_scientific_journal-4025	49	13	integration	integration	NOUN
american_scientific_journal-4025	49	14	of	of	ADP
american_scientific_journal-4025	49	15	ict	ict	PROPN
american_scientific_journal-4025	49	16	and	and	CCONJ
american_scientific_journal-4025	49	17	the	the	DET
american_scientific_journal-4025	49	18	move	move	NOUN
american_scientific_journal-4025	49	19	toward	toward	ADP
american_scientific_journal-4025	49	20	a	a	DET
american_scientific_journal-4025	49	21	constructivist	constructivist	ADJ
american_scientific_journal-4025	49	22	model	model	NOUN
american_scientific_journal-4025	49	23	of	of	ADP
american_scientific_journal-4025	49	24	click	click	NOUN
american_scientific_journal-4025	49	25	system	system	NOUN
american_scientific_journal-4025	49	26	.	.	PUNCT
american_scientific_journal-4025	50	1	the	the	DET
american_scientific_journal-4025	50	2	ict	ict	PROPN
american_scientific_journal-4025	50	3	integration	integration	NOUN
american_scientific_journal-4025	50	4	in	in	ADP
american_scientific_journal-4025	50	5	developing	develop	VERB
american_scientific_journal-4025	50	6	country	country	NOUN
american_scientific_journal-4025	50	7	based	base	VERB
american_scientific_journal-4025	50	8	organizations	organization	NOUN
american_scientific_journal-4025	50	9	is	be	AUX
american_scientific_journal-4025	50	10	challenging	challenge	VERB
american_scientific_journal-4025	50	11	.	.	PUNCT
american_scientific_journal-4025	51	1	a	a	DET
american_scientific_journal-4025	51	2	number	number	NOUN
american_scientific_journal-4025	51	3	of	of	ADP
american_scientific_journal-4025	51	4	factors	factor	NOUN
american_scientific_journal-4025	51	5	—	—	PUNCT
american_scientific_journal-4025	51	6	such	such	ADJ
american_scientific_journal-4025	51	7	as	as	ADP
american_scientific_journal-4025	51	8	management	management	NOUN
american_scientific_journal-4025	51	9	knowledge	knowledge	NOUN
american_scientific_journal-4025	51	10	,	,	PUNCT
american_scientific_journal-4025	51	11	time	time	NOUN
american_scientific_journal-4025	51	12	,	,	PUNCT
american_scientific_journal-4025	51	13	access	access	NOUN
american_scientific_journal-4025	51	14	to	to	ADP
american_scientific_journal-4025	51	15	ict	ict	NOUN
american_scientific_journal-4025	51	16	tools	tool	NOUN
american_scientific_journal-4025	51	17	,	,	PUNCT
american_scientific_journal-4025	51	18	and	and	CCONJ
american_scientific_journal-4025	51	19	the	the	DET
american_scientific_journal-4025	51	20	alignment	alignment	NOUN
american_scientific_journal-4025	51	21	of	of	ADP
american_scientific_journal-4025	51	22	ict	ict	PROPN
american_scientific_journal-4025	51	23	use	use	NOUN
american_scientific_journal-4025	51	24	with	with	ADP
american_scientific_journal-4025	51	25	institutional	institutional	ADJ
american_scientific_journal-4025	51	26	goals	goal	NOUN
american_scientific_journal-4025	51	27	—	—	PUNCT
american_scientific_journal-4025	51	28	appear	appear	VERB
american_scientific_journal-4025	51	29	to	to	PART
american_scientific_journal-4025	51	30	help	help	VERB
american_scientific_journal-4025	51	31	organization	organization	NOUN
american_scientific_journal-4025	51	32	integrate	integrate	VERB
american_scientific_journal-4025	51	33	ict	ict	PROPN
american_scientific_journal-4025	51	34	and	and	CCONJ
american_scientific_journal-4025	51	35	to	to	PART
american_scientific_journal-4025	51	36	support	support	VERB
american_scientific_journal-4025	51	37	users	user	NOUN
american_scientific_journal-4025	51	38	’	'	PUNCT
american_scientific_journal-4025	51	39	increased	increase	VERB
american_scientific_journal-4025	51	40	use	use	NOUN
american_scientific_journal-4025	51	41	of	of	ADP
american_scientific_journal-4025	51	42	ict	ict	NOUN
american_scientific_journal-4025	51	43	tools	tool	NOUN
american_scientific_journal-4025	51	44	for	for	ADP
american_scientific_journal-4025	51	45	customer	customer	NOUN
american_scientific_journal-4025	51	46	service[8	service[8	NOUN
american_scientific_journal-4025	51	47	]	]	PUNCT
american_scientific_journal-4025	51	48	.	.	PUNCT
american_scientific_journal-4025	52	1	even	even	ADV
american_scientific_journal-4025	52	2	the	the	DET
american_scientific_journal-4025	52	3	simplest	simple	ADJ
american_scientific_journal-4025	52	4	handsets	handset	NOUN
american_scientific_journal-4025	52	5	have	have	VERB
american_scientific_journal-4025	52	6	features	feature	NOUN
american_scientific_journal-4025	52	7	buried	bury	VERB
american_scientific_journal-4025	52	8	deep	deep	ADV
american_scientific_journal-4025	52	9	in	in	ADP
american_scientific_journal-4025	52	10	menu	menu	NOUN
american_scientific_journal-4025	52	11	structures	structure	NOUN
american_scientific_journal-4025	52	12	.	.	PUNCT
american_scientific_journal-4025	53	1	if	if	SCONJ
american_scientific_journal-4025	53	2	navigating	navigate	VERB
american_scientific_journal-4025	53	3	an	an	DET
american_scientific_journal-4025	53	4	m	m	NOUN
american_scientific_journal-4025	53	5	-	-	ADJ
american_scientific_journal-4025	53	6	banking	banking	ADJ
american_scientific_journal-4025	53	7	/	/	SYM
american_scientific_journal-4025	53	8	m	m	NOUN
american_scientific_journal-4025	53	9	-	-	PUNCT
american_scientific_journal-4025	53	10	payments	payment	NOUN
american_scientific_journal-4025	53	11	interface	interface	NOUN
american_scientific_journal-4025	53	12	is	be	AUX
american_scientific_journal-4025	53	13	difficult	difficult	ADJ
american_scientific_journal-4025	53	14	for	for	ADP
american_scientific_journal-4025	53	15	experienced	experienced	ADJ
american_scientific_journal-4025	53	16	mobile	mobile	ADJ
american_scientific_journal-4025	53	17	users	user	NOUN
american_scientific_journal-4025	53	18	with	with	ADP
american_scientific_journal-4025	53	19	bank	bank	NOUN
american_scientific_journal-4025	53	20	accounts	account	NOUN
american_scientific_journal-4025	53	21	,	,	PUNCT
american_scientific_journal-4025	53	22	even	even	ADV
american_scientific_journal-4025	53	23	greater	great	ADJ
american_scientific_journal-4025	53	24	is	be	AUX
american_scientific_journal-4025	53	25	the	the	DET
american_scientific_journal-4025	53	26	difficulty	difficulty	NOUN
american_scientific_journal-4025	53	27	for	for	ADP
american_scientific_journal-4025	53	28	first	first	ADJ
american_scientific_journal-4025	53	29	-	-	PUNCT
american_scientific_journal-4025	53	30	time	time	NOUN
american_scientific_journal-4025	53	31	users	user	NOUN
american_scientific_journal-4025	53	32	in	in	ADP
american_scientific_journal-4025	53	33	the	the	DET
american_scientific_journal-4025	53	34	developing	develop	VERB
american_scientific_journal-4025	53	35	world	world	NOUN
american_scientific_journal-4025	53	36	,	,	PUNCT
american_scientific_journal-4025	53	37	many	many	ADJ
american_scientific_journal-4025	53	38	of	of	ADP
american_scientific_journal-4025	53	39	whom	whom	PRON
american_scientific_journal-4025	53	40	will	will	AUX
american_scientific_journal-4025	53	41	have	have	AUX
american_scientific_journal-4025	53	42	only	only	ADV
american_scientific_journal-4025	53	43	been	be	AUX
american_scientific_journal-4025	53	44	using	use	VERB
american_scientific_journal-4025	53	45	a	a	DET
american_scientific_journal-4025	53	46	mobile	mobile	NOUN
american_scientific_journal-4025	53	47	for	for	ADP
american_scientific_journal-4025	53	48	a	a	DET
american_scientific_journal-4025	53	49	year	year	NOUN
american_scientific_journal-4025	53	50	or	or	CCONJ
american_scientific_journal-4025	53	51	two	two	NUM
american_scientific_journal-4025	53	52	[	[	X
american_scientific_journal-4025	53	53	9,10	9,10	NUM
american_scientific_journal-4025	53	54	]	]	X
american_scientific_journal-4025	53	55	.	.	PUNCT
american_scientific_journal-4025	54	1	however	however	ADV
american_scientific_journal-4025	54	2	,	,	PUNCT
american_scientific_journal-4025	54	3	the	the	DET
american_scientific_journal-4025	54	4	challenges	challenge	NOUN
american_scientific_journal-4025	54	5	may	may	AUX
american_scientific_journal-4025	54	6	run	run	VERB
american_scientific_journal-4025	54	7	deeper	deep	ADJ
american_scientific_journal-4025	54	8	than	than	ADP
american_scientific_journal-4025	54	9	interface	interface	NOUN
american_scientific_journal-4025	54	10	design	design	NOUN
american_scientific_journal-4025	54	11	.	.	PUNCT
american_scientific_journal-4025	55	1	people	people	NOUN
american_scientific_journal-4025	55	2	coming	come	VERB
american_scientific_journal-4025	55	3	to	to	ADP
american_scientific_journal-4025	55	4	banking	banking	NOUN
american_scientific_journal-4025	55	5	for	for	ADP
american_scientific_journal-4025	55	6	the	the	DET
american_scientific_journal-4025	55	7	first	first	ADJ
american_scientific_journal-4025	55	8	time	time	NOUN
american_scientific_journal-4025	55	9	via	via	ADP
american_scientific_journal-4025	55	10	the	the	DET
american_scientific_journal-4025	55	11	mobile	mobile	ADJ
american_scientific_journal-4025	55	12	handset	handset	NOUN
american_scientific_journal-4025	55	13	require	require	VERB
american_scientific_journal-4025	55	14	a	a	DET
american_scientific_journal-4025	55	15	command	command	NOUN
american_scientific_journal-4025	55	16	of	of	ADP
american_scientific_journal-4025	55	17	abstract	abstract	ADJ
american_scientific_journal-4025	55	18	concepts	concept	NOUN
american_scientific_journal-4025	55	19	about	about	ADP
american_scientific_journal-4025	55	20	invisible	invisible	ADJ
american_scientific_journal-4025	55	21	/	/	SYM
american_scientific_journal-4025	55	22	virtual	virtual	ADJ
american_scientific_journal-4025	55	23	money	money	NOUN
american_scientific_journal-4025	55	24	.	.	PUNCT
american_scientific_journal-4025	56	1	consider	consider	VERB
american_scientific_journal-4025	56	2	the	the	DET
american_scientific_journal-4025	56	3	lack	lack	NOUN
american_scientific_journal-4025	56	4	of	of	ADP
american_scientific_journal-4025	56	5	ways	way	NOUN
american_scientific_journal-4025	56	6	to	to	PART
american_scientific_journal-4025	56	7	wrap	wrap	VERB
american_scientific_journal-4025	56	8	or	or	CCONJ
american_scientific_journal-4025	56	9	―gift‖	―gift‖	PROPN
american_scientific_journal-4025	56	10	a	a	DET
american_scientific_journal-4025	56	11	digital	digital	ADJ
american_scientific_journal-4025	56	12	money	money	NOUN
american_scientific_journal-4025	56	13	transfer	transfer	NOUN
american_scientific_journal-4025	56	14	[	[	X
american_scientific_journal-4025	56	15	11	11	NUM
american_scientific_journal-4025	56	16	]	]	PUNCT
american_scientific_journal-4025	56	17	.	.	PUNCT
american_scientific_journal-4025	57	1	beliefs	belief	NOUN
american_scientific_journal-4025	57	2	,	,	PUNCT
american_scientific_journal-4025	57	3	misunderstandings	misunderstanding	NOUN
american_scientific_journal-4025	57	4	,	,	PUNCT
american_scientific_journal-4025	57	5	habits	habit	NOUN
american_scientific_journal-4025	57	6	,	,	PUNCT
american_scientific_journal-4025	57	7	and	and	CCONJ
american_scientific_journal-4025	57	8	concerns	concern	NOUN
american_scientific_journal-4025	57	9	must	must	AUX
american_scientific_journal-4025	57	10	be	be	AUX
american_scientific_journal-4025	57	11	addressed	address	VERB
american_scientific_journal-4025	57	12	if	if	SCONJ
american_scientific_journal-4025	57	13	people	people	NOUN
american_scientific_journal-4025	57	14	who	who	PRON
american_scientific_journal-4025	57	15	are	be	AUX
american_scientific_journal-4025	57	16	used	use	VERB
american_scientific_journal-4025	57	17	to	to	ADP
american_scientific_journal-4025	57	18	storing	store	VERB
american_scientific_journal-4025	57	19	money	money	NOUN
american_scientific_journal-4025	57	20	in	in	ADP
american_scientific_journal-4025	57	21	cash	cash	NOUN
american_scientific_journal-4025	57	22	are	be	AUX
american_scientific_journal-4025	57	23	asked	ask	VERB
american_scientific_journal-4025	57	24	to	to	PART
american_scientific_journal-4025	57	25	store	store	VERB
american_scientific_journal-4025	57	26	it	it	PRON
american_scientific_journal-4025	57	27	―in‖	―in‖	VERB
american_scientific_journal-4025	57	28	a	a	DET
american_scientific_journal-4025	57	29	handset	handset	NOUN
american_scientific_journal-4025	57	30	;	;	PUNCT
american_scientific_journal-4025	57	31	the	the	DET
american_scientific_journal-4025	57	32	analogy	analogy	NOUN
american_scientific_journal-4025	57	33	remains	remain	VERB
american_scientific_journal-4025	57	34	strained	strained	ADJ
american_scientific_journal-4025	57	35	—	—	PUNCT
american_scientific_journal-4025	57	36	the	the	DET
american_scientific_journal-4025	57	37	mobile	mobile	NOUN
american_scientific_journal-4025	57	38	is	be	AUX
american_scientific_journal-4025	57	39	not	not	PART
american_scientific_journal-4025	57	40	yet	yet	ADV
american_scientific_journal-4025	57	41	a	a	DET
american_scientific_journal-4025	57	42	wallet	wallet	NOUN
american_scientific_journal-4025	58	1	[	[	X
american_scientific_journal-4025	58	2	12	12	NUM
american_scientific_journal-4025	58	3	]	]	PUNCT
american_scientific_journal-4025	58	4	.	.	PUNCT
american_scientific_journal-4025	59	1	the	the	DET
american_scientific_journal-4025	59	2	role	role	NOUN
american_scientific_journal-4025	59	3	of	of	ADP
american_scientific_journal-4025	59	4	existing	exist	VERB
american_scientific_journal-4025	59	5	mediated	mediate	VERB
american_scientific_journal-4025	59	6	transfers	transfer	NOUN
american_scientific_journal-4025	59	7	and	and	CCONJ
american_scientific_journal-4025	59	8	other	other	ADJ
american_scientific_journal-4025	59	9	financial	financial	ADJ
american_scientific_journal-4025	59	10	services	service	NOUN
american_scientific_journal-4025	59	11	also	also	ADV
american_scientific_journal-4025	59	12	deserves	deserve	VERB
american_scientific_journal-4025	59	13	scrutiny	scrutiny	NOUN
american_scientific_journal-4025	59	14	.	.	PUNCT
american_scientific_journal-4025	60	1	a	a	DET
american_scientific_journal-4025	60	2	large	large	ADJ
american_scientific_journal-4025	60	3	proportion	proportion	NOUN
american_scientific_journal-4025	60	4	of	of	ADP
american_scientific_journal-4025	60	5	the	the	DET
american_scientific_journal-4025	60	6	volume	volume	NOUN
american_scientific_journal-4025	60	7	of	of	ADP
american_scientific_journal-4025	60	8	m	m	NOUN
american_scientific_journal-4025	60	9	-	-	NOUN
american_scientific_journal-4025	60	10	transactions	transaction	NOUN
american_scientific_journal-4025	60	11	may	may	AUX
american_scientific_journal-4025	60	12	reflect	reflect	VERB
american_scientific_journal-4025	60	13	existing	exist	VERB
american_scientific_journal-4025	60	14	transactional	transactional	ADJ
american_scientific_journal-4025	60	15	relationships	relationship	NOUN
american_scientific_journal-4025	60	16	,	,	PUNCT
american_scientific_journal-4025	60	17	shifted	shift	VERB
american_scientific_journal-4025	60	18	over	over	ADP
american_scientific_journal-4025	60	19	to	to	ADP
american_scientific_journal-4025	60	20	the	the	DET
american_scientific_journal-4025	60	21	new	new	ADJ
american_scientific_journal-4025	60	22	channels	channel	NOUN
american_scientific_journal-4025	60	23	.	.	PUNCT
american_scientific_journal-4025	61	1	this	this	PRON
american_scientific_journal-4025	61	2	is	be	AUX
american_scientific_journal-4025	61	3	not	not	PART
american_scientific_journal-4025	61	4	to	to	PART
american_scientific_journal-4025	61	5	say	say	VERB
american_scientific_journal-4025	61	6	that	that	SCONJ
american_scientific_journal-4025	61	7	a	a	DET
american_scientific_journal-4025	61	8	shift	shift	NOUN
american_scientific_journal-4025	61	9	is	be	AUX
american_scientific_journal-4025	61	10	not	not	PART
american_scientific_journal-4025	61	11	itself	itself	PRON
american_scientific_journal-4025	61	12	valuable	valuable	ADJ
american_scientific_journal-4025	61	13	—	—	PUNCT
american_scientific_journal-4025	61	14	there	there	PRON
american_scientific_journal-4025	61	15	are	be	VERB
american_scientific_journal-4025	61	16	significant	significant	ADJ
american_scientific_journal-4025	61	17	benefits	benefit	NOUN
american_scientific_journal-4025	61	18	of	of	ADP
american_scientific_journal-4025	61	19	cost	cost	NOUN
american_scientific_journal-4025	61	20	,	,	PUNCT
american_scientific_journal-4025	61	21	reliability	reliability	NOUN
american_scientific_journal-4025	61	22	,	,	PUNCT
american_scientific_journal-4025	61	23	safety	safety	NOUN
american_scientific_journal-4025	61	24	,	,	PUNCT
american_scientific_journal-4025	61	25	flexibility	flexibility	NOUN
american_scientific_journal-4025	61	26	,	,	PUNCT
american_scientific_journal-4025	61	27	and	and	CCONJ
american_scientific_journal-4025	61	28	immediacy	immediacy	NOUN
american_scientific_journal-4025	61	29	associated	associate	VERB
american_scientific_journal-4025	61	30	with	with	ADP
american_scientific_journal-4025	61	31	m	m	NOUN
american_scientific_journal-4025	61	32	-	-	ADJ
american_scientific_journal-4025	61	33	banking	banking	ADJ
american_scientific_journal-4025	61	34	/	/	SYM
american_scientific_journal-4025	61	35	m	m	NOUN
american_scientific_journal-4025	61	36	-	-	PUNCT
american_scientific_journal-4025	61	37	payments	payment	NOUN
american_scientific_journal-4025	61	38	systems	system	NOUN
american_scientific_journal-4025	61	39	.	.	PUNCT
american_scientific_journal-4025	62	1	however	however	ADV
american_scientific_journal-4025	62	2	,	,	PUNCT
american_scientific_journal-4025	62	3	it	it	PRON
american_scientific_journal-4025	62	4	is	be	AUX
american_scientific_journal-4025	62	5	important	important	ADJ
american_scientific_journal-4025	62	6	for	for	ADP
american_scientific_journal-4025	62	7	industry	industry	NOUN
american_scientific_journal-4025	62	8	,	,	PUNCT
american_scientific_journal-4025	62	9	researchers	researcher	NOUN
american_scientific_journal-4025	62	10	,	,	PUNCT
american_scientific_journal-4025	62	11	and	and	CCONJ
american_scientific_journal-4025	62	12	american	american	ADJ
american_scientific_journal-4025	62	13	scientific	scientific	ADJ
american_scientific_journal-4025	62	14	research	research	NOUN
american_scientific_journal-4025	62	15	journal	journal	NOUN
american_scientific_journal-4025	62	16	for	for	ADP
american_scientific_journal-4025	62	17	engineering	engineering	NOUN
american_scientific_journal-4025	62	18	,	,	PUNCT
american_scientific_journal-4025	62	19	technology	technology	NOUN
american_scientific_journal-4025	62	20	,	,	PUNCT
american_scientific_journal-4025	62	21	and	and	CCONJ
american_scientific_journal-4025	62	22	sciences	science	NOUN
american_scientific_journal-4025	62	23	(	(	PUNCT
american_scientific_journal-4025	62	24	asrjets	asrjet	NOUN
american_scientific_journal-4025	62	25	)	)	PUNCT
american_scientific_journal-4025	62	26	(	(	PUNCT
american_scientific_journal-4025	62	27	2018	2018	NUM
american_scientific_journal-4025	62	28	)	)	PUNCT
american_scientific_journal-4025	62	29	volume	volume	NOUN
american_scientific_journal-4025	62	30	42	42	NUM
american_scientific_journal-4025	62	31	,	,	PUNCT
american_scientific_journal-4025	62	32	no	no	DET
american_scientific_journal-4025	62	33	1	1	NUM
american_scientific_journal-4025	62	34	,	,	PUNCT
american_scientific_journal-4025	62	35	pp	pp	ADV
american_scientific_journal-4025	62	36	75	75	NUM
american_scientific_journal-4025	62	37	-	-	SYM
american_scientific_journal-4025	62	38	88	88	NUM
american_scientific_journal-4025	62	39	78	78	NUM
american_scientific_journal-4025	62	40	policymakers	policymaker	NOUN
american_scientific_journal-4025	62	41	to	to	PART
american_scientific_journal-4025	62	42	understand	understand	VERB
american_scientific_journal-4025	62	43	the	the	DET
american_scientific_journal-4025	62	44	transactional	transactional	ADJ
american_scientific_journal-4025	62	45	networks	network	NOUN
american_scientific_journal-4025	62	46	and	and	CCONJ
american_scientific_journal-4025	62	47	behaviors	behavior	NOUN
american_scientific_journal-4025	62	48	that	that	PRON
american_scientific_journal-4025	62	49	already	already	ADV
american_scientific_journal-4025	62	50	exist	exist	VERB
american_scientific_journal-4025	62	51	.	.	PUNCT
american_scientific_journal-4025	63	1	an	an	DET
american_scientific_journal-4025	63	2	antecedent	antecedent	NOUN
american_scientific_journal-4025	63	3	to	to	ADP
american_scientific_journal-4025	63	4	this	this	DET
american_scientific_journal-4025	63	5	argument	argument	NOUN
american_scientific_journal-4025	63	6	comes	come	VERB
american_scientific_journal-4025	63	7	from	from	ADP
american_scientific_journal-4025	63	8	the	the	DET
american_scientific_journal-4025	63	9	financial	financial	ADJ
american_scientific_journal-4025	63	10	sector	sector	NOUN
american_scientific_journal-4025	63	11	.	.	PUNCT
american_scientific_journal-4025	64	1	reference	reference	NOUN
american_scientific_journal-4025	64	2	[	[	X
american_scientific_journal-4025	64	3	13	13	NUM
american_scientific_journal-4025	64	4	]	]	X
american_scientific_journal-4025	64	5	formal	formal	ADJ
american_scientific_journal-4025	64	6	transfer	transfer	NOUN
american_scientific_journal-4025	64	7	services	service	NOUN
american_scientific_journal-4025	64	8	like	like	ADP
american_scientific_journal-4025	64	9	western	western	ADJ
american_scientific_journal-4025	64	10	union	union	PROPN
american_scientific_journal-4025	64	11	all	all	PRON
american_scientific_journal-4025	64	12	have	have	VERB
american_scientific_journal-4025	64	13	their	their	PRON
american_scientific_journal-4025	64	14	adherents	adherent	NOUN
american_scientific_journal-4025	64	15	,	,	PUNCT
american_scientific_journal-4025	64	16	and	and	CCONJ
american_scientific_journal-4025	64	17	the	the	DET
american_scientific_journal-4025	64	18	list	list	NOUN
american_scientific_journal-4025	64	19	is	be	AUX
american_scientific_journal-4025	64	20	longer	long	ADJ
american_scientific_journal-4025	64	21	when	when	SCONJ
american_scientific_journal-4025	64	22	one	one	PRON
american_scientific_journal-4025	64	23	includes	include	VERB
american_scientific_journal-4025	64	24	alternative	alternative	ADJ
american_scientific_journal-4025	64	25	savings	saving	NOUN
american_scientific_journal-4025	64	26	and	and	CCONJ
american_scientific_journal-4025	64	27	credit	credit	NOUN
american_scientific_journal-4025	64	28	mechanisms	mechanism	NOUN
american_scientific_journal-4025	64	29	like	like	ADP
american_scientific_journal-4025	64	30	chit	chit	NOUN
american_scientific_journal-4025	64	31	funds	fund	NOUN
american_scientific_journal-4025	64	32	and	and	CCONJ
american_scientific_journal-4025	64	33	moneylenders	moneylender	NOUN
american_scientific_journal-4025	64	34	.	.	PUNCT
american_scientific_journal-4025	65	1	there	there	PRON
american_scientific_journal-4025	65	2	are	be	VERB
american_scientific_journal-4025	65	3	communication	communication	NOUN
american_scientific_journal-4025	65	4	issues	issue	NOUN
american_scientific_journal-4025	65	5	,	,	PUNCT
american_scientific_journal-4025	65	6	as	as	ADV
american_scientific_journal-4025	65	7	well	well	ADV
american_scientific_journal-4025	65	8	:	:	PUNCT
american_scientific_journal-4025	65	9	transfers	transfer	NOUN
american_scientific_journal-4025	65	10	are	be	AUX
american_scientific_journal-4025	65	11	exchanges	exchange	NOUN
american_scientific_journal-4025	65	12	at	at	ADP
american_scientific_journal-4025	65	13	a	a	DET
american_scientific_journal-4025	65	14	distance	distance	NOUN
american_scientific_journal-4025	65	15	,	,	PUNCT
american_scientific_journal-4025	65	16	and	and	CCONJ
american_scientific_journal-4025	65	17	as	as	SCONJ
american_scientific_journal-4025	65	18	ruthven	ruthven	NOUN
american_scientific_journal-4025	65	19	points	point	VERB
american_scientific_journal-4025	65	20	out	out	ADP
american_scientific_journal-4025	65	21	,	,	PUNCT
american_scientific_journal-4025	65	22	there	there	PRON
american_scientific_journal-4025	65	23	is	be	VERB
american_scientific_journal-4025	65	24	an	an	DET
american_scientific_journal-4025	65	25	implicit	implicit	ADJ
american_scientific_journal-4025	65	26	or	or	CCONJ
american_scientific_journal-4025	65	27	explicit	explicit	ADJ
american_scientific_journal-4025	65	28	network	network	NOUN
american_scientific_journal-4025	65	29	of	of	ADP
american_scientific_journal-4025	65	30	communication	communication	NOUN
american_scientific_journal-4025	65	31	and	and	CCONJ
american_scientific_journal-4025	65	32	information	information	NOUN
american_scientific_journal-4025	65	33	exchange	exchange	NOUN
american_scientific_journal-4025	65	34	embedded	embed	VERB
american_scientific_journal-4025	65	35	into	into	ADP
american_scientific_journal-4025	65	36	almost	almost	ADV
american_scientific_journal-4025	65	37	every	every	PRON
american_scientific_journal-4025	65	38	transaction	transaction	NOUN
american_scientific_journal-4025	65	39	.	.	PUNCT
american_scientific_journal-4025	66	1	remittances	remittance	NOUN
american_scientific_journal-4025	66	2	,	,	PUNCT
american_scientific_journal-4025	66	3	in	in	ADP
american_scientific_journal-4025	66	4	particular	particular	ADJ
american_scientific_journal-4025	66	5	,	,	PUNCT
american_scientific_journal-4025	66	6	are	be	AUX
american_scientific_journal-4025	66	7	a	a	DET
american_scientific_journal-4025	66	8	context	context	NOUN
american_scientific_journal-4025	66	9	in	in	ADP
american_scientific_journal-4025	66	10	which	which	PRON
american_scientific_journal-4025	66	11	it	it	PRON
american_scientific_journal-4025	66	12	is	be	AUX
american_scientific_journal-4025	66	13	difficult	difficult	ADJ
american_scientific_journal-4025	66	14	to	to	PART
american_scientific_journal-4025	66	15	separate	separate	VERB
american_scientific_journal-4025	66	16	financial	financial	ADJ
american_scientific_journal-4025	66	17	transactions	transaction	NOUN
american_scientific_journal-4025	66	18	from	from	ADP
american_scientific_journal-4025	66	19	symbolic	symbolic	ADJ
american_scientific_journal-4025	66	20	meaning	meaning	NOUN
american_scientific_journal-4025	66	21	and	and	CCONJ
american_scientific_journal-4025	66	22	social	social	ADJ
american_scientific_journal-4025	66	23	bonding	bonding	NOUN
american_scientific_journal-4025	66	24	[	[	X
american_scientific_journal-4025	66	25	11	11	NUM
american_scientific_journal-4025	66	26	,	,	PUNCT
american_scientific_journal-4025	66	27	14	14	NUM
american_scientific_journal-4025	66	28	]	]	PUNCT
american_scientific_journal-4025	66	29	.there	.there	VERB
american_scientific_journal-4025	66	30	is	be	AUX
american_scientific_journal-4025	66	31	a	a	DET
american_scientific_journal-4025	66	32	litany	litany	NOUN
american_scientific_journal-4025	66	33	of	of	ADP
american_scientific_journal-4025	66	34	social	social	ADJ
american_scientific_journal-4025	66	35	/	/	SYM
american_scientific_journal-4025	66	36	contextual	contextual	ADJ
american_scientific_journal-4025	66	37	influences	influence	NOUN
american_scientific_journal-4025	66	38	on	on	ADP
american_scientific_journal-4025	66	39	m	m	NOUN
american_scientific_journal-4025	66	40	-	-	NOUN
american_scientific_journal-4025	66	41	banking	banking	ADJ
american_scientific_journal-4025	66	42	/	/	SYM
american_scientific_journal-4025	66	43	m	m	NOUN
american_scientific_journal-4025	66	44	-	-	PUNCT
american_scientific_journal-4025	66	45	payments	payment	NOUN
american_scientific_journal-4025	66	46	use	use	NOUN
american_scientific_journal-4025	66	47	.	.	PUNCT
american_scientific_journal-4025	67	1	both	both	PRON
american_scientific_journal-4025	67	2	macro	macro	ADJ
american_scientific_journal-4025	67	3	-	-	NOUN
american_scientific_journal-4025	67	4	level	level	ADJ
american_scientific_journal-4025	67	5	cultural	cultural	ADJ
american_scientific_journal-4025	67	6	factors	factor	NOUN
american_scientific_journal-4025	67	7	and	and	CCONJ
american_scientific_journal-4025	67	8	micro	micro	NOUN
american_scientific_journal-4025	67	9	-	-	NOUN
american_scientific_journal-4025	67	10	level	level	ADJ
american_scientific_journal-4025	67	11	,	,	PUNCT
american_scientific_journal-4025	67	12	locally	locally	ADV
american_scientific_journal-4025	67	13	-	-	PUNCT
american_scientific_journal-4025	67	14	negotiated	negotiate	VERB
american_scientific_journal-4025	67	15	norms	norm	NOUN
american_scientific_journal-4025	67	16	in	in	ADP
american_scientific_journal-4025	67	17	families	family	NOUN
american_scientific_journal-4025	67	18	and	and	CCONJ
american_scientific_journal-4025	67	19	among	among	ADP
american_scientific_journal-4025	67	20	peers	peer	NOUN
american_scientific_journal-4025	67	21	particularly	particularly	ADV
american_scientific_journal-4025	67	22	about	about	ADP
american_scientific_journal-4025	67	23	money	money	NOUN
american_scientific_journal-4025	67	24	are	be	AUX
american_scientific_journal-4025	67	25	at	at	ADP
american_scientific_journal-4025	67	26	play	play	NOUN
american_scientific_journal-4025	67	27	[	[	PUNCT
american_scientific_journal-4025	67	28	15].for	15].for	ADP
american_scientific_journal-4025	67	29	example	example	NOUN
american_scientific_journal-4025	67	30	,	,	PUNCT
american_scientific_journal-4025	67	31	respondents	respondent	NOUN
american_scientific_journal-4025	67	32	in	in	ADP
american_scientific_journal-4025	67	33	focus	focus	NOUN
american_scientific_journal-4025	67	34	groups	group	NOUN
american_scientific_journal-4025	67	35	we	we	PRON
american_scientific_journal-4025	67	36	conducted	conduct	VERB
american_scientific_journal-4025	67	37	in	in	ADP
american_scientific_journal-4025	67	38	manila[16	manila[16	PROPN
american_scientific_journal-4025	67	39	]	]	PUNCT
american_scientific_journal-4025	67	40	explained	explain	VERB
american_scientific_journal-4025	67	41	that	that	SCONJ
american_scientific_journal-4025	67	42	,	,	PUNCT
american_scientific_journal-4025	67	43	while	while	SCONJ
american_scientific_journal-4025	67	44	they	they	PRON
american_scientific_journal-4025	67	45	would	would	AUX
american_scientific_journal-4025	67	46	certainly	certainly	ADV
american_scientific_journal-4025	67	47	transfer	transfer	VERB
american_scientific_journal-4025	67	48	money	money	NOUN
american_scientific_journal-4025	67	49	to	to	ADP
american_scientific_journal-4025	67	50	a	a	DET
american_scientific_journal-4025	67	51	family	family	NOUN
american_scientific_journal-4025	67	52	member	member	NOUN
american_scientific_journal-4025	67	53	(	(	PUNCT
american_scientific_journal-4025	67	54	a	a	DET
american_scientific_journal-4025	67	55	gift	gift	NOUN
american_scientific_journal-4025	67	56	)	)	PUNCT
american_scientific_journal-4025	67	57	,	,	PUNCT
american_scientific_journal-4025	67	58	they	they	PRON
american_scientific_journal-4025	67	59	would	would	AUX
american_scientific_journal-4025	67	60	not	not	PART
american_scientific_journal-4025	67	61	do	do	VERB
american_scientific_journal-4025	67	62	so	so	ADV
american_scientific_journal-4025	67	63	to	to	ADP
american_scientific_journal-4025	67	64	an	an	DET
american_scientific_journal-4025	67	65	acquaintance	acquaintance	NOUN
american_scientific_journal-4025	67	66	(	(	PUNCT
american_scientific_journal-4025	67	67	a	a	DET
american_scientific_journal-4025	67	68	loan	loan	NOUN
american_scientific_journal-4025	67	69	)	)	PUNCT
american_scientific_journal-4025	67	70	.	.	PUNCT
american_scientific_journal-4025	68	1	technically	technically	ADV
american_scientific_journal-4025	68	2	,	,	PUNCT
american_scientific_journal-4025	68	3	the	the	DET
american_scientific_journal-4025	68	4	actions	action	NOUN
american_scientific_journal-4025	68	5	are	be	AUX
american_scientific_journal-4025	68	6	the	the	DET
american_scientific_journal-4025	68	7	same	same	ADJ
american_scientific_journal-4025	68	8	.	.	PUNCT
american_scientific_journal-4025	69	1	socially	socially	ADV
american_scientific_journal-4025	69	2	,	,	PUNCT
american_scientific_journal-4025	69	3	they	they	PRON
american_scientific_journal-4025	69	4	are	be	AUX
american_scientific_journal-4025	69	5	miles	mile	NOUN
american_scientific_journal-4025	69	6	apart	apart	ADV
american_scientific_journal-4025	69	7	.	.	PUNCT
american_scientific_journal-4025	70	1	suggest	suggest	VERB
american_scientific_journal-4025	70	2	that	that	SCONJ
american_scientific_journal-4025	70	3	m	m	NOUN
american_scientific_journal-4025	70	4	-	-	ADJ
american_scientific_journal-4025	70	5	banking	banking	ADJ
american_scientific_journal-4025	70	6	/	/	SYM
american_scientific_journal-4025	70	7	m	m	NOUN
american_scientific_journal-4025	70	8	-	-	PUNCT
american_scientific_journal-4025	70	9	payments	payment	NOUN
american_scientific_journal-4025	70	10	systems	system	NOUN
american_scientific_journal-4025	70	11	may	may	AUX
american_scientific_journal-4025	70	12	alter	alter	VERB
american_scientific_journal-4025	70	13	patterns	pattern	NOUN
american_scientific_journal-4025	70	14	of	of	ADP
american_scientific_journal-4025	70	15	money	money	NOUN
american_scientific_journal-4025	70	16	sharing	share	VERB
american_scientific_journal-4025	70	17	within	within	ADP
american_scientific_journal-4025	70	18	families	family	NOUN
american_scientific_journal-4025	70	19	by	by	ADP
american_scientific_journal-4025	70	20	giving	give	VERB
american_scientific_journal-4025	70	21	women	woman	NOUN
american_scientific_journal-4025	70	22	greater	great	ADJ
american_scientific_journal-4025	70	23	autonomy	autonomy	NOUN
american_scientific_journal-4025	70	24	and	and	CCONJ
american_scientific_journal-4025	70	25	control	control	NOUN
american_scientific_journal-4025	70	26	over	over	ADP
american_scientific_journal-4025	70	27	household	household	NOUN
american_scientific_journal-4025	70	28	savings	saving	NOUN
american_scientific_journal-4025	71	1	[	[	X
american_scientific_journal-4025	71	2	17	17	NUM
american_scientific_journal-4025	71	3	]	]	PUNCT
american_scientific_journal-4025	71	4	.	.	PUNCT
american_scientific_journal-4025	72	1	the	the	DET
american_scientific_journal-4025	72	2	objective	objective	NOUN
american_scientific_journal-4025	72	3	of	of	ADP
american_scientific_journal-4025	72	4	this	this	DET
american_scientific_journal-4025	72	5	study	study	NOUN
american_scientific_journal-4025	72	6	was	be	AUX
american_scientific_journal-4025	72	7	to	to	PART
american_scientific_journal-4025	72	8	gain	gain	VERB
american_scientific_journal-4025	72	9	a	a	DET
american_scientific_journal-4025	72	10	more	more	ADV
american_scientific_journal-4025	72	11	complete	complete	ADJ
american_scientific_journal-4025	72	12	understanding	understanding	NOUN
american_scientific_journal-4025	72	13	of	of	ADP
american_scientific_journal-4025	72	14	the	the	DET
american_scientific_journal-4025	72	15	change	change	NOUN
american_scientific_journal-4025	72	16	management	management	NOUN
american_scientific_journal-4025	72	17	factors	factor	NOUN
american_scientific_journal-4025	72	18	affecting	affect	VERB
american_scientific_journal-4025	72	19	the	the	DET
american_scientific_journal-4025	72	20	acceptance	acceptance	NOUN
american_scientific_journal-4025	72	21	of	of	ADP
american_scientific_journal-4025	72	22	the	the	DET
american_scientific_journal-4025	72	23	ict	ict	NOUN
american_scientific_journal-4025	72	24	.	.	PUNCT
american_scientific_journal-4025	73	1	it	it	PRON
american_scientific_journal-4025	73	2	examines	examine	VERB
american_scientific_journal-4025	73	3	a	a	DET
american_scientific_journal-4025	73	4	number	number	NOUN
american_scientific_journal-4025	73	5	of	of	ADP
american_scientific_journal-4025	73	6	issues	issue	NOUN
american_scientific_journal-4025	73	7	relating	relate	VERB
american_scientific_journal-4025	73	8	to	to	ADP
american_scientific_journal-4025	73	9	how	how	SCONJ
american_scientific_journal-4025	73	10	change	change	NOUN
american_scientific_journal-4025	73	11	is	be	AUX
american_scientific_journal-4025	73	12	managed	manage	VERB
american_scientific_journal-4025	73	13	within	within	ADP
american_scientific_journal-4025	73	14	the	the	DET
american_scientific_journal-4025	73	15	implementation	implementation	NOUN
american_scientific_journal-4025	73	16	of	of	ADP
american_scientific_journal-4025	73	17	ict	ict	PROPN
american_scientific_journal-4025	73	18	in	in	ADP
american_scientific_journal-4025	73	19	a	a	DET
american_scientific_journal-4025	73	20	french	french	ADJ
american_scientific_journal-4025	73	21	bank	bank	NOUN
american_scientific_journal-4025	73	22	.	.	PUNCT
american_scientific_journal-4025	74	1	it	it	PRON
american_scientific_journal-4025	74	2	begins	begin	VERB
american_scientific_journal-4025	74	3	with	with	ADP
american_scientific_journal-4025	74	4	an	an	DET
american_scientific_journal-4025	74	5	overview	overview	NOUN
american_scientific_journal-4025	74	6	of	of	ADP
american_scientific_journal-4025	74	7	the	the	DET
american_scientific_journal-4025	74	8	technology	technology	NOUN
american_scientific_journal-4025	74	9	acceptance	acceptance	NOUN
american_scientific_journal-4025	74	10	model	model	NOUN
american_scientific_journal-4025	74	11	and	and	CCONJ
american_scientific_journal-4025	74	12	then	then	ADV
american_scientific_journal-4025	74	13	examines	examine	VERB
american_scientific_journal-4025	74	14	the	the	DET
american_scientific_journal-4025	74	15	key	key	ADJ
american_scientific_journal-4025	74	16	measures	measure	NOUN
american_scientific_journal-4025	74	17	to	to	PART
american_scientific_journal-4025	74	18	be	be	AUX
american_scientific_journal-4025	74	19	taken	take	VERB
american_scientific_journal-4025	74	20	along	along	ADP
american_scientific_journal-4025	74	21	with	with	ADP
american_scientific_journal-4025	74	22	the	the	DET
american_scientific_journal-4025	74	23	shifts	shift	NOUN
american_scientific_journal-4025	74	24	induced	induce	VERB
american_scientific_journal-4025	74	25	by	by	ADP
american_scientific_journal-4025	74	26	the	the	DET
american_scientific_journal-4025	74	27	ict	ict	NOUN
american_scientific_journal-4025	74	28	in	in	ADP
american_scientific_journal-4025	74	29	order	order	NOUN
american_scientific_journal-4025	74	30	to	to	PART
american_scientific_journal-4025	74	31	make	make	VERB
american_scientific_journal-4025	74	32	them	they	PRON
american_scientific_journal-4025	74	33	accepted	accept	VERB
american_scientific_journal-4025	74	34	by	by	ADP
american_scientific_journal-4025	74	35	the	the	DET
american_scientific_journal-4025	74	36	users	user	NOUN
american_scientific_journal-4025	74	37	.	.	PUNCT
american_scientific_journal-4025	75	1	the	the	DET
american_scientific_journal-4025	75	2	present	present	ADJ
american_scientific_journal-4025	75	3	study	study	NOUN
american_scientific_journal-4025	75	4	was	be	AUX
american_scientific_journal-4025	75	5	aimed	aim	VERB
american_scientific_journal-4025	75	6	to	to	PART
american_scientific_journal-4025	75	7	explore	explore	VERB
american_scientific_journal-4025	75	8	the	the	DET
american_scientific_journal-4025	75	9	prevailing	prevail	VERB
american_scientific_journal-4025	75	10	status	status	NOUN
american_scientific_journal-4025	75	11	of	of	ADP
american_scientific_journal-4025	75	12	the	the	DET
american_scientific_journal-4025	75	13	use	use	NOUN
american_scientific_journal-4025	75	14	of	of	ADP
american_scientific_journal-4025	75	15	ict	ict	PROPN
american_scientific_journal-4025	75	16	in	in	ADP
american_scientific_journal-4025	75	17	commercial	commercial	ADJ
american_scientific_journal-4025	75	18	banking	banking	NOUN
american_scientific_journal-4025	75	19	services	service	NOUN
american_scientific_journal-4025	75	20	,	,	PUNCT
american_scientific_journal-4025	75	21	assess	assess	VERB
american_scientific_journal-4025	75	22	the	the	DET
american_scientific_journal-4025	75	23	extent	extent	NOUN
american_scientific_journal-4025	75	24	of	of	ADP
american_scientific_journal-4025	75	25	perceived	perceive	VERB
american_scientific_journal-4025	75	26	benefits	benefit	NOUN
american_scientific_journal-4025	75	27	of	of	ADP
american_scientific_journal-4025	75	28	the	the	DET
american_scientific_journal-4025	75	29	use	use	NOUN
american_scientific_journal-4025	75	30	of	of	ADP
american_scientific_journal-4025	75	31	ict	ict	NOUN
american_scientific_journal-4025	75	32	and	and	CCONJ
american_scientific_journal-4025	75	33	analyze	analyze	VERB
american_scientific_journal-4025	75	34	the	the	DET
american_scientific_journal-4025	75	35	key	key	ADJ
american_scientific_journal-4025	75	36	problems	problem	NOUN
american_scientific_journal-4025	75	37	and	and	CCONJ
american_scientific_journal-4025	75	38	their	their	PRON
american_scientific_journal-4025	75	39	corrective	corrective	ADJ
american_scientific_journal-4025	75	40	measures	measure	NOUN
american_scientific_journal-4025	75	41	so	so	SCONJ
american_scientific_journal-4025	75	42	as	as	SCONJ
american_scientific_journal-4025	75	43	to	to	PART
american_scientific_journal-4025	75	44	leverage	leverage	VERB
american_scientific_journal-4025	75	45	the	the	DET
american_scientific_journal-4025	75	46	use	use	NOUN
american_scientific_journal-4025	75	47	of	of	ADP
american_scientific_journal-4025	75	48	ict	ict	NOUN
american_scientific_journal-4025	75	49	in	in	ADP
american_scientific_journal-4025	75	50	commercial	commercial	ADJ
american_scientific_journal-4025	75	51	banking	banking	NOUN
american_scientific_journal-4025	75	52	in	in	ADP
american_scientific_journal-4025	75	53	the	the	DET
american_scientific_journal-4025	75	54	country	country	NOUN
american_scientific_journal-4025	75	55	.	.	PUNCT
american_scientific_journal-4025	76	1	2	2	X
american_scientific_journal-4025	76	2	.	.	X
american_scientific_journal-4025	76	3	methods	method	NOUN
american_scientific_journal-4025	76	4	the	the	DET
american_scientific_journal-4025	76	5	research	research	NOUN
american_scientific_journal-4025	76	6	is	be	AUX
american_scientific_journal-4025	76	7	based	base	VERB
american_scientific_journal-4025	76	8	on	on	ADP
american_scientific_journal-4025	76	9	both	both	CCONJ
american_scientific_journal-4025	76	10	primary	primary	ADJ
american_scientific_journal-4025	76	11	and	and	CCONJ
american_scientific_journal-4025	76	12	secondary	secondary	ADJ
american_scientific_journal-4025	76	13	data	datum	NOUN
american_scientific_journal-4025	76	14	.	.	PUNCT
american_scientific_journal-4025	77	1	primary	primary	ADJ
american_scientific_journal-4025	77	2	data	datum	NOUN
american_scientific_journal-4025	77	3	have	have	AUX
american_scientific_journal-4025	77	4	been	be	AUX
american_scientific_journal-4025	77	5	collected	collect	VERB
american_scientific_journal-4025	77	6	from	from	ADP
american_scientific_journal-4025	77	7	the	the	DET
american_scientific_journal-4025	77	8	structured	structured	ADJ
american_scientific_journal-4025	77	9	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	77	10	developed	develop	VERB
american_scientific_journal-4025	77	11	for	for	ADP
american_scientific_journal-4025	77	12	the	the	DET
american_scientific_journal-4025	77	13	employee	employee	NOUN
american_scientific_journal-4025	77	14	of	of	ADP
american_scientific_journal-4025	77	15	the	the	DET
american_scientific_journal-4025	77	16	bank	bank	NOUN
american_scientific_journal-4025	77	17	and	and	CCONJ
american_scientific_journal-4025	77	18	the	the	DET
american_scientific_journal-4025	77	19	customers	customer	NOUN
american_scientific_journal-4025	77	20	.	.	PUNCT
american_scientific_journal-4025	78	1	secondary	secondary	ADJ
american_scientific_journal-4025	78	2	data	datum	NOUN
american_scientific_journal-4025	78	3	have	have	AUX
american_scientific_journal-4025	78	4	been	be	AUX
american_scientific_journal-4025	78	5	collected	collect	VERB
american_scientific_journal-4025	78	6	from	from	ADP
american_scientific_journal-4025	78	7	the	the	DET
american_scientific_journal-4025	78	8	website	website	NOUN
american_scientific_journal-4025	78	9	of	of	ADP
american_scientific_journal-4025	78	10	nepal	nepal	PROPN
american_scientific_journal-4025	78	11	rastra	rastra	PROPN
american_scientific_journal-4025	78	12	bank	bank	PROPN
american_scientific_journal-4025	78	13	,	,	PUNCT
american_scientific_journal-4025	78	14	ict	ict	NOUN
american_scientific_journal-4025	78	15	related	relate	VERB
american_scientific_journal-4025	78	16	journals	journal	NOUN
american_scientific_journal-4025	78	17	,	,	PUNCT
american_scientific_journal-4025	78	18	banking	banking	NOUN
american_scientific_journal-4025	78	19	articles	article	NOUN
american_scientific_journal-4025	78	20	and	and	CCONJ
american_scientific_journal-4025	78	21	other	other	ADJ
american_scientific_journal-4025	78	22	published	publish	VERB
american_scientific_journal-4025	78	23	sources	source	NOUN
american_scientific_journal-4025	78	24	.	.	PUNCT
american_scientific_journal-4025	79	1	the	the	DET
american_scientific_journal-4025	79	2	data	datum	NOUN
american_scientific_journal-4025	79	3	collected	collect	VERB
american_scientific_journal-4025	79	4	from	from	ADP
american_scientific_journal-4025	79	5	the	the	DET
american_scientific_journal-4025	79	6	various	various	ADJ
american_scientific_journal-4025	79	7	source	source	NOUN
american_scientific_journal-4025	79	8	have	have	AUX
american_scientific_journal-4025	79	9	been	be	AUX
american_scientific_journal-4025	79	10	analyzed	analyze	VERB
american_scientific_journal-4025	79	11	and	and	CCONJ
american_scientific_journal-4025	79	12	identified	identify	VERB
american_scientific_journal-4025	79	13	using	use	VERB
american_scientific_journal-4025	79	14	the	the	DET
american_scientific_journal-4025	79	15	statistical	statistical	ADJ
american_scientific_journal-4025	79	16	tools	tool	NOUN
american_scientific_journal-4025	79	17	and	and	CCONJ
american_scientific_journal-4025	79	18	with	with	ADP
american_scientific_journal-4025	79	19	the	the	DET
american_scientific_journal-4025	79	20	support	support	NOUN
american_scientific_journal-4025	79	21	of	of	ADP
american_scientific_journal-4025	79	22	previous	previous	ADJ
american_scientific_journal-4025	79	23	developed	develop	VERB
american_scientific_journal-4025	79	24	theory	theory	NOUN
american_scientific_journal-4025	79	25	.	.	PUNCT
american_scientific_journal-4025	80	1	a	a	DET
american_scientific_journal-4025	80	2	systematic	systematic	ADJ
american_scientific_journal-4025	80	3	research	research	NOUN
american_scientific_journal-4025	80	4	technology	technology	NOUN
american_scientific_journal-4025	80	5	is	be	AUX
american_scientific_journal-4025	80	6	necessary	necessary	ADJ
american_scientific_journal-4025	80	7	to	to	PART
american_scientific_journal-4025	80	8	be	be	AUX
american_scientific_journal-4025	80	9	followed	follow	VERB
american_scientific_journal-4025	80	10	to	to	PART
american_scientific_journal-4025	80	11	meet	meet	VERB
american_scientific_journal-4025	80	12	the	the	DET
american_scientific_journal-4025	80	13	objective	objective	NOUN
american_scientific_journal-4025	80	14	of	of	ADP
american_scientific_journal-4025	80	15	the	the	DET
american_scientific_journal-4025	80	16	study	study	NOUN
american_scientific_journal-4025	80	17	.	.	PUNCT
american_scientific_journal-4025	81	1	this	this	DET
american_scientific_journal-4025	81	2	section	section	NOUN
american_scientific_journal-4025	81	3	deals	deal	VERB
american_scientific_journal-4025	81	4	with	with	ADP
american_scientific_journal-4025	81	5	the	the	DET
american_scientific_journal-4025	81	6	research	research	NOUN
american_scientific_journal-4025	81	7	methods	method	NOUN
american_scientific_journal-4025	81	8	applied	apply	VERB
american_scientific_journal-4025	81	9	for	for	ADP
american_scientific_journal-4025	81	10	carrying	carry	VERB
american_scientific_journal-4025	81	11	out	out	ADP
american_scientific_journal-4025	81	12	the	the	DET
american_scientific_journal-4025	81	13	study	study	NOUN
american_scientific_journal-4025	81	14	.	.	PUNCT
american_scientific_journal-4025	82	1	it	it	PRON
american_scientific_journal-4025	82	2	is	be	AUX
american_scientific_journal-4025	82	3	discussed	discuss	VERB
american_scientific_journal-4025	82	4	with	with	ADP
american_scientific_journal-4025	82	5	its	its	PRON
american_scientific_journal-4025	82	6	elements	element	NOUN
american_scientific_journal-4025	82	7	like	like	ADP
american_scientific_journal-4025	82	8	the	the	DET
american_scientific_journal-4025	82	9	research	research	NOUN
american_scientific_journal-4025	82	10	design	design	NOUN
american_scientific_journal-4025	82	11	,	,	PUNCT
american_scientific_journal-4025	82	12	population	population	NOUN
american_scientific_journal-4025	82	13	and	and	CCONJ
american_scientific_journal-4025	82	14	sample	sample	NOUN
american_scientific_journal-4025	82	15	,	,	PUNCT
american_scientific_journal-4025	82	16	key	key	ADJ
american_scientific_journal-4025	82	17	variables	variable	NOUN
american_scientific_journal-4025	82	18	of	of	ADP
american_scientific_journal-4025	82	19	the	the	DET
american_scientific_journal-4025	82	20	study	study	NOUN
american_scientific_journal-4025	82	21	,	,	PUNCT
american_scientific_journal-4025	82	22	the	the	DET
american_scientific_journal-4025	82	23	subject	subject	NOUN
american_scientific_journal-4025	82	24	for	for	ADP
american_scientific_journal-4025	82	25	the	the	DET
american_scientific_journal-4025	82	26	study	study	NOUN
american_scientific_journal-4025	82	27	,	,	PUNCT
american_scientific_journal-4025	82	28	sources	source	NOUN
american_scientific_journal-4025	82	29	of	of	ADP
american_scientific_journal-4025	82	30	the	the	DET
american_scientific_journal-4025	82	31	data	data	NOUN
american_scientific_journal-4025	82	32	,	,	PUNCT
american_scientific_journal-4025	82	33	collection	collection	NOUN
american_scientific_journal-4025	82	34	and	and	CCONJ
american_scientific_journal-4025	82	35	methods	method	NOUN
american_scientific_journal-4025	82	36	,	,	PUNCT
american_scientific_journal-4025	82	37	data	datum	NOUN
american_scientific_journal-4025	82	38	analysis	analysis	NOUN
american_scientific_journal-4025	82	39	and	and	CCONJ
american_scientific_journal-4025	82	40	limitations	limitation	NOUN
american_scientific_journal-4025	82	41	of	of	ADP
american_scientific_journal-4025	82	42	the	the	DET
american_scientific_journal-4025	82	43	data	datum	NOUN
american_scientific_journal-4025	82	44	.	.	PUNCT
american_scientific_journal-4025	83	1	sources	source	NOUN
american_scientific_journal-4025	83	2	of	of	ADP
american_scientific_journal-4025	83	3	data	datum	NOUN
american_scientific_journal-4025	83	4	the	the	DET
american_scientific_journal-4025	83	5	data	data	NOUN
american_scientific_journal-4025	83	6	source	source	NOUN
american_scientific_journal-4025	83	7	is	be	AUX
american_scientific_journal-4025	83	8	mainly	mainly	ADV
american_scientific_journal-4025	83	9	from	from	ADP
american_scientific_journal-4025	83	10	within	within	ADP
american_scientific_journal-4025	83	11	kathmandu	kathmandu	PROPN
american_scientific_journal-4025	83	12	valley	valley	NOUN
american_scientific_journal-4025	83	13	,	,	PUNCT
american_scientific_journal-4025	83	14	its	its	PRON
american_scientific_journal-4025	83	15	officials	official	NOUN
american_scientific_journal-4025	83	16	and	and	CCONJ
american_scientific_journal-4025	83	17	customers	customer	NOUN
american_scientific_journal-4025	83	18	.	.	PUNCT
american_scientific_journal-4025	84	1	in	in	ADP
american_scientific_journal-4025	84	2	order	order	NOUN
american_scientific_journal-4025	84	3	to	to	PART
american_scientific_journal-4025	84	4	complete	complete	VERB
american_scientific_journal-4025	84	5	the	the	DET
american_scientific_journal-4025	84	6	study	study	NOUN
american_scientific_journal-4025	84	7	;	;	PUNCT
american_scientific_journal-4025	84	8	following	follow	VERB
american_scientific_journal-4025	84	9	data	datum	NOUN
american_scientific_journal-4025	84	10	sources	source	NOUN
american_scientific_journal-4025	84	11	will	will	AUX
american_scientific_journal-4025	84	12	be	be	AUX
american_scientific_journal-4025	84	13	accessed	access	VERB
american_scientific_journal-4025	84	14	.	.	PUNCT
american_scientific_journal-4025	85	1	any	any	DET
american_scientific_journal-4025	85	2	published	publish	VERB
american_scientific_journal-4025	85	3	and	and	CCONJ
american_scientific_journal-4025	85	4	unpublished	unpublished	ADJ
american_scientific_journal-4025	85	5	articles	article	NOUN
american_scientific_journal-4025	85	6	,	,	PUNCT
american_scientific_journal-4025	85	7	papers	paper	NOUN
american_scientific_journal-4025	85	8	and	and	CCONJ
american_scientific_journal-4025	85	9	reports	report	NOUN
american_scientific_journal-4025	85	10	of	of	ADP
american_scientific_journal-4025	85	11	banking	banking	NOUN
american_scientific_journal-4025	85	12	.	.	PUNCT
american_scientific_journal-4025	86	1	american	american	PROPN
american_scientific_journal-4025	86	2	scientific	scientific	ADJ
american_scientific_journal-4025	86	3	research	research	PROPN
american_scientific_journal-4025	86	4	journal	journal	NOUN
american_scientific_journal-4025	86	5	for	for	ADP
american_scientific_journal-4025	86	6	engineering	engineering	NOUN
american_scientific_journal-4025	86	7	,	,	PUNCT
american_scientific_journal-4025	86	8	technology	technology	NOUN
american_scientific_journal-4025	86	9	,	,	PUNCT
american_scientific_journal-4025	86	10	and	and	CCONJ
american_scientific_journal-4025	86	11	sciences	science	NOUN
american_scientific_journal-4025	86	12	(	(	PUNCT
american_scientific_journal-4025	86	13	asrjets	asrjet	NOUN
american_scientific_journal-4025	86	14	)	)	PUNCT
american_scientific_journal-4025	86	15	(	(	PUNCT
american_scientific_journal-4025	86	16	2018	2018	NUM
american_scientific_journal-4025	86	17	)	)	PUNCT
american_scientific_journal-4025	86	18	volume	volume	NOUN
american_scientific_journal-4025	86	19	42	42	NUM
american_scientific_journal-4025	86	20	,	,	PUNCT
american_scientific_journal-4025	86	21	no	no	DET
american_scientific_journal-4025	86	22	1	1	NUM
american_scientific_journal-4025	86	23	,	,	PUNCT
american_scientific_journal-4025	86	24	pp	pp	ADV
american_scientific_journal-4025	86	25	75	75	NUM
american_scientific_journal-4025	86	26	-	-	SYM
american_scientific_journal-4025	86	27	88	88	NUM
american_scientific_journal-4025	86	28	79	79	NUM
american_scientific_journal-4025	86	29	•	•	NOUN
american_scientific_journal-4025	86	30	primary	primary	ADJ
american_scientific_journal-4025	86	31	information	information	NOUN
american_scientific_journal-4025	86	32	/	/	SYM
american_scientific_journal-4025	86	33	key	key	ADJ
american_scientific_journal-4025	86	34	informant	informant	NOUN
american_scientific_journal-4025	86	35	interview	interview	NOUN
american_scientific_journal-4025	86	36	with	with	ADP
american_scientific_journal-4025	86	37	concerned	concerned	ADJ
american_scientific_journal-4025	86	38	department	department	NOUN
american_scientific_journal-4025	86	39	like	like	ADP
american_scientific_journal-4025	86	40	csd	csd	PROPN
american_scientific_journal-4025	86	41	and	and	CCONJ
american_scientific_journal-4025	86	42	it	it	PRON
american_scientific_journal-4025	86	43	department	department	NOUN
american_scientific_journal-4025	86	44	.	.	PUNCT
american_scientific_journal-4025	87	1	a	a	DET
american_scientific_journal-4025	87	2	separate	separate	ADJ
american_scientific_journal-4025	87	3	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	87	4	will	will	AUX
american_scientific_journal-4025	87	5	be	be	AUX
american_scientific_journal-4025	87	6	developed	develop	VERB
american_scientific_journal-4025	87	7	for	for	ADP
american_scientific_journal-4025	87	8	them	they	PRON
american_scientific_journal-4025	87	9	.	.	PUNCT
american_scientific_journal-4025	88	1	•	•	NUM
american_scientific_journal-4025	88	2	website	website	NOUN
american_scientific_journal-4025	88	3	of	of	ADP
american_scientific_journal-4025	88	4	nepal	nepal	PROPN
american_scientific_journal-4025	88	5	rastra	rastra	PROPN
american_scientific_journal-4025	88	6	bank	bank	PROPN
american_scientific_journal-4025	88	7	.	.	PUNCT
american_scientific_journal-4025	89	1	•	•	NUM
american_scientific_journal-4025	89	2	primary	primary	ADJ
american_scientific_journal-4025	89	3	information	information	NOUN
american_scientific_journal-4025	89	4	with	with	ADP
american_scientific_journal-4025	89	5	the	the	DET
american_scientific_journal-4025	89	6	customers	customer	NOUN
american_scientific_journal-4025	89	7	of	of	ADP
american_scientific_journal-4025	89	8	the	the	DET
american_scientific_journal-4025	89	9	different	different	ADJ
american_scientific_journal-4025	89	10	financial	financial	ADJ
american_scientific_journal-4025	89	11	institutions	institution	NOUN
american_scientific_journal-4025	89	12	.	.	PUNCT
american_scientific_journal-4025	90	1	a	a	DET
american_scientific_journal-4025	90	2	separate	separate	ADJ
american_scientific_journal-4025	90	3	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	90	4	will	will	AUX
american_scientific_journal-4025	90	5	be	be	AUX
american_scientific_journal-4025	90	6	developed	develop	VERB
american_scientific_journal-4025	90	7	for	for	ADP
american_scientific_journal-4025	90	8	them	they	PRON
american_scientific_journal-4025	90	9	.	.	PUNCT
american_scientific_journal-4025	91	1	both	both	DET
american_scientific_journal-4025	91	2	primary	primary	ADJ
american_scientific_journal-4025	91	3	and	and	CCONJ
american_scientific_journal-4025	91	4	secondary	secondary	ADJ
american_scientific_journal-4025	91	5	data	datum	NOUN
american_scientific_journal-4025	91	6	are	be	AUX
american_scientific_journal-4025	91	7	used	use	VERB
american_scientific_journal-4025	91	8	under	under	ADP
american_scientific_journal-4025	91	9	the	the	DET
american_scientific_journal-4025	91	10	study	study	NOUN
american_scientific_journal-4025	91	11	.	.	PUNCT
american_scientific_journal-4025	92	1	as	as	ADV
american_scientific_journal-4025	92	2	far	far	ADV
american_scientific_journal-4025	92	3	as	as	SCONJ
american_scientific_journal-4025	92	4	secondary	secondary	ADJ
american_scientific_journal-4025	92	5	data	datum	NOUN
american_scientific_journal-4025	92	6	are	be	AUX
american_scientific_journal-4025	92	7	concerned	concern	VERB
american_scientific_journal-4025	92	8	,	,	PUNCT
american_scientific_journal-4025	92	9	they	they	PRON
american_scientific_journal-4025	92	10	are	be	AUX
american_scientific_journal-4025	92	11	directly	directly	ADV
american_scientific_journal-4025	92	12	obtained	obtain	VERB
american_scientific_journal-4025	92	13	from	from	ADP
american_scientific_journal-4025	92	14	the	the	DET
american_scientific_journal-4025	92	15	mentioned	mention	VERB
american_scientific_journal-4025	92	16	sources	source	NOUN
american_scientific_journal-4025	92	17	using	use	VERB
american_scientific_journal-4025	92	18	personal	personal	ADJ
american_scientific_journal-4025	92	19	efforts	effort	NOUN
american_scientific_journal-4025	92	20	to	to	ADP
american_scientific_journal-4025	92	21	some	some	DET
american_scientific_journal-4025	92	22	extent	extent	NOUN
american_scientific_journal-4025	92	23	.	.	PUNCT
american_scientific_journal-4025	93	1	then	then	ADV
american_scientific_journal-4025	93	2	the	the	DET
american_scientific_journal-4025	93	3	collected	collect	VERB
american_scientific_journal-4025	93	4	data	datum	NOUN
american_scientific_journal-4025	93	5	are	be	AUX
american_scientific_journal-4025	93	6	rearranged	rearrange	VERB
american_scientific_journal-4025	93	7	for	for	ADP
american_scientific_journal-4025	93	8	the	the	DET
american_scientific_journal-4025	93	9	better	well	ADJ
american_scientific_journal-4025	93	10	classification	classification	NOUN
american_scientific_journal-4025	93	11	for	for	ADP
american_scientific_journal-4025	93	12	the	the	DET
american_scientific_journal-4025	93	13	required	require	VERB
american_scientific_journal-4025	93	14	statistical	statistical	ADJ
american_scientific_journal-4025	93	15	calculation	calculation	NOUN
american_scientific_journal-4025	93	16	.	.	PUNCT
american_scientific_journal-4025	94	1	methods	method	NOUN
american_scientific_journal-4025	94	2	of	of	ADP
american_scientific_journal-4025	94	3	data	datum	NOUN
american_scientific_journal-4025	94	4	collection	collection	NOUN
american_scientific_journal-4025	94	5	all	all	DET
american_scientific_journal-4025	94	6	the	the	DET
american_scientific_journal-4025	94	7	primary	primary	ADJ
american_scientific_journal-4025	94	8	data	datum	NOUN
american_scientific_journal-4025	94	9	collected	collect	VERB
american_scientific_journal-4025	94	10	through	through	ADP
american_scientific_journal-4025	94	11	personal	personal	ADJ
american_scientific_journal-4025	94	12	investigation	investigation	NOUN
american_scientific_journal-4025	94	13	,	,	PUNCT
american_scientific_journal-4025	94	14	indirect	indirect	ADJ
american_scientific_journal-4025	94	15	oral	oral	ADJ
american_scientific_journal-4025	94	16	investigation	investigation	NOUN
american_scientific_journal-4025	94	17	,	,	PUNCT
american_scientific_journal-4025	94	18	telephone	telephone	NOUN
american_scientific_journal-4025	94	19	interviews	interview	NOUN
american_scientific_journal-4025	94	20	and	and	CCONJ
american_scientific_journal-4025	94	21	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	94	22	.	.	PUNCT
american_scientific_journal-4025	95	1	the	the	DET
american_scientific_journal-4025	95	2	required	require	VERB
american_scientific_journal-4025	95	3	secondary	secondary	ADJ
american_scientific_journal-4025	95	4	information	information	NOUN
american_scientific_journal-4025	95	5	is	be	AUX
american_scientific_journal-4025	95	6	collected	collect	VERB
american_scientific_journal-4025	95	7	through	through	ADP
american_scientific_journal-4025	95	8	the	the	DET
american_scientific_journal-4025	95	9	source	source	NOUN
american_scientific_journal-4025	95	10	like	like	ADP
american_scientific_journal-4025	95	11	published	publish	VERB
american_scientific_journal-4025	95	12	sources	source	NOUN
american_scientific_journal-4025	95	13	,	,	PUNCT
american_scientific_journal-4025	95	14	annual	annual	ADJ
american_scientific_journal-4025	95	15	report	report	NOUN
american_scientific_journal-4025	95	16	of	of	ADP
american_scientific_journal-4025	95	17	different	different	ADJ
american_scientific_journal-4025	95	18	commercial	commercial	ADJ
american_scientific_journal-4025	95	19	bank	bank	PROPN
american_scientific_journal-4025	95	20	etc	etc	X
american_scientific_journal-4025	95	21	.	.	X
american_scientific_journal-4025	95	22	data	datum	NOUN
american_scientific_journal-4025	95	23	analysis	analysis	NOUN
american_scientific_journal-4025	95	24	after	after	ADP
american_scientific_journal-4025	95	25	the	the	DET
american_scientific_journal-4025	95	26	collection	collection	NOUN
american_scientific_journal-4025	95	27	of	of	ADP
american_scientific_journal-4025	95	28	the	the	DET
american_scientific_journal-4025	95	29	data	datum	NOUN
american_scientific_journal-4025	95	30	through	through	ADP
american_scientific_journal-4025	95	31	various	various	ADJ
american_scientific_journal-4025	95	32	sources	source	NOUN
american_scientific_journal-4025	95	33	like	like	ADP
american_scientific_journal-4025	95	34	primary	primary	ADJ
american_scientific_journal-4025	95	35	and	and	CCONJ
american_scientific_journal-4025	95	36	secondary	secondary	ADJ
american_scientific_journal-4025	95	37	sources	source	NOUN
american_scientific_journal-4025	95	38	,	,	PUNCT
american_scientific_journal-4025	95	39	the	the	DET
american_scientific_journal-4025	95	40	data	datum	NOUN
american_scientific_journal-4025	95	41	are	be	AUX
american_scientific_journal-4025	95	42	edited	edit	VERB
american_scientific_journal-4025	95	43	,	,	PUNCT
american_scientific_journal-4025	95	44	coded	code	VERB
american_scientific_journal-4025	95	45	,	,	PUNCT
american_scientific_journal-4025	95	46	classified	classify	VERB
american_scientific_journal-4025	95	47	into	into	ADP
american_scientific_journal-4025	95	48	different	different	ADJ
american_scientific_journal-4025	95	49	categories	category	NOUN
american_scientific_journal-4025	95	50	like	like	ADP
american_scientific_journal-4025	95	51	group	group	NOUN
american_scientific_journal-4025	95	52	classes	class	NOUN
american_scientific_journal-4025	95	53	and	and	CCONJ
american_scientific_journal-4025	95	54	tabulated	tabulate	VERB
american_scientific_journal-4025	95	55	.	.	PUNCT
american_scientific_journal-4025	96	1	all	all	DET
american_scientific_journal-4025	96	2	the	the	DET
american_scientific_journal-4025	96	3	data	datum	NOUN
american_scientific_journal-4025	96	4	processing	processing	NOUN
american_scientific_journal-4025	96	5	is	be	AUX
american_scientific_journal-4025	96	6	done	do	VERB
american_scientific_journal-4025	96	7	within	within	ADP
american_scientific_journal-4025	96	8	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	96	9	valley	valley	NOUN
american_scientific_journal-4025	96	10	and	and	CCONJ
american_scientific_journal-4025	96	11	most	most	ADJ
american_scientific_journal-4025	96	12	of	of	ADP
american_scientific_journal-4025	96	13	the	the	DET
american_scientific_journal-4025	96	14	data	datum	NOUN
american_scientific_journal-4025	96	15	are	be	AUX
american_scientific_journal-4025	96	16	compiled	compile	VERB
american_scientific_journal-4025	96	17	and	and	CCONJ
american_scientific_journal-4025	96	18	analyzed	analyze	VERB
american_scientific_journal-4025	96	19	with	with	ADP
american_scientific_journal-4025	96	20	the	the	DET
american_scientific_journal-4025	96	21	help	help	NOUN
american_scientific_journal-4025	96	22	of	of	ADP
american_scientific_journal-4025	96	23	spss	spss	PROPN
american_scientific_journal-4025	96	24	.	.	PUNCT
american_scientific_journal-4025	97	1	thus	thus	ADV
american_scientific_journal-4025	97	2	,	,	PUNCT
american_scientific_journal-4025	97	3	the	the	DET
american_scientific_journal-4025	97	4	data	datum	NOUN
american_scientific_journal-4025	97	5	are	be	AUX
american_scientific_journal-4025	97	6	analyzed	analyze	VERB
american_scientific_journal-4025	97	7	using	use	VERB
american_scientific_journal-4025	97	8	both	both	CCONJ
american_scientific_journal-4025	97	9	differential	differential	ADJ
american_scientific_journal-4025	97	10	and	and	CCONJ
american_scientific_journal-4025	97	11	inferential	inferential	ADJ
american_scientific_journal-4025	97	12	statistics	statistic	NOUN
american_scientific_journal-4025	97	13	.	.	PUNCT
american_scientific_journal-4025	98	1	relevant	relevant	ADJ
american_scientific_journal-4025	98	2	tables	table	NOUN
american_scientific_journal-4025	98	3	,	,	PUNCT
american_scientific_journal-4025	98	4	figure	figure	NOUN
american_scientific_journal-4025	98	5	will	will	AUX
american_scientific_journal-4025	98	6	be	be	AUX
american_scientific_journal-4025	98	7	prepared	prepare	VERB
american_scientific_journal-4025	98	8	.	.	PUNCT
american_scientific_journal-4025	99	1	3	3	X
american_scientific_journal-4025	99	2	.	.	X
american_scientific_journal-4025	99	3	results	result	NOUN
american_scientific_journal-4025	99	4	table1	table1	PROPN
american_scientific_journal-4025	99	5	:	:	PUNCT
american_scientific_journal-4025	99	6	respondent	respondent	NOUN
american_scientific_journal-4025	99	7	information	information	NOUN
american_scientific_journal-4025	99	8	by	by	ADP
american_scientific_journal-4025	99	9	type	type	NOUN
american_scientific_journal-4025	99	10	and	and	CCONJ
american_scientific_journal-4025	99	11	gender	gender	NOUN
american_scientific_journal-4025	99	12	respondent	respondent	NOUN
american_scientific_journal-4025	99	13	type	type	NOUN
american_scientific_journal-4025	99	14	male	male	ADJ
american_scientific_journal-4025	99	15	female	female	ADJ
american_scientific_journal-4025	99	16	total	total	NOUN
american_scientific_journal-4025	99	17	n	n	PRON
american_scientific_journal-4025	99	18	%	%	NOUN
american_scientific_journal-4025	100	1	n	n	PRON
american_scientific_journal-4025	100	2	%	%	NOUN
american_scientific_journal-4025	101	1	n	n	CCONJ
american_scientific_journal-4025	101	2	%	%	NOUN
american_scientific_journal-4025	101	3	bank	bank	NOUN
american_scientific_journal-4025	101	4	customers	customer	NOUN
american_scientific_journal-4025	101	5	87	87	NUM
american_scientific_journal-4025	101	6	62.14	62.14	NUM
american_scientific_journal-4025	101	7	53	53	NUM
american_scientific_journal-4025	101	8	37.86	37.86	NUM
american_scientific_journal-4025	101	9	140	140	NUM
american_scientific_journal-4025	101	10	100.00	100.00	NUM
american_scientific_journal-4025	101	11	bank	bank	NOUN
american_scientific_journal-4025	101	12	employees	employee	NOUN
american_scientific_journal-4025	101	13	32	32	NUM
american_scientific_journal-4025	101	14	64.00	64.00	NUM
american_scientific_journal-4025	101	15	18	18	NUM
american_scientific_journal-4025	101	16	36.00	36.00	NUM
american_scientific_journal-4025	101	17	50	50	NUM
american_scientific_journal-4025	101	18	100.00	100.00	NUM
american_scientific_journal-4025	101	19	the	the	DET
american_scientific_journal-4025	101	20	information	information	NOUN
american_scientific_journal-4025	101	21	presented	present	VERB
american_scientific_journal-4025	101	22	in	in	ADP
american_scientific_journal-4025	101	23	table	table	NOUN
american_scientific_journal-4025	101	24	4.1	4.1	NUM
american_scientific_journal-4025	101	25	reveals	reveal	VERB
american_scientific_journal-4025	101	26	that	that	SCONJ
american_scientific_journal-4025	101	27	among	among	ADP
american_scientific_journal-4025	101	28	the	the	DET
american_scientific_journal-4025	101	29	140	140	NUM
american_scientific_journal-4025	101	30	customers	customer	NOUN
american_scientific_journal-4025	101	31	responding	respond	VERB
american_scientific_journal-4025	101	32	to	to	ADP
american_scientific_journal-4025	101	33	this	this	DET
american_scientific_journal-4025	101	34	survey	survey	NOUN
american_scientific_journal-4025	101	35	research	research	NOUN
american_scientific_journal-4025	101	36	,	,	PUNCT
american_scientific_journal-4025	101	37	almost	almost	ADV
american_scientific_journal-4025	101	38	62	62	NUM
american_scientific_journal-4025	101	39	percent	percent	NOUN
american_scientific_journal-4025	101	40	of	of	ADP
american_scientific_journal-4025	101	41	them	they	PRON
american_scientific_journal-4025	101	42	were	be	AUX
american_scientific_journal-4025	101	43	male	male	ADJ
american_scientific_journal-4025	101	44	and	and	CCONJ
american_scientific_journal-4025	101	45	remaining	remain	VERB
american_scientific_journal-4025	101	46	were	be	AUX
american_scientific_journal-4025	101	47	female	female	ADJ
american_scientific_journal-4025	101	48	.	.	PUNCT
american_scientific_journal-4025	102	1	similarly	similarly	ADV
american_scientific_journal-4025	102	2	,	,	PUNCT
american_scientific_journal-4025	102	3	among	among	ADP
american_scientific_journal-4025	102	4	the	the	DET
american_scientific_journal-4025	102	5	50	50	NUM
american_scientific_journal-4025	102	6	employees	employee	NOUN
american_scientific_journal-4025	102	7	surveyed	survey	VERB
american_scientific_journal-4025	102	8	,	,	PUNCT
american_scientific_journal-4025	102	9	36	36	NUM
american_scientific_journal-4025	102	10	percent	percent	NOUN
american_scientific_journal-4025	102	11	of	of	ADP
american_scientific_journal-4025	102	12	them	they	PRON
american_scientific_journal-4025	102	13	were	be	AUX
american_scientific_journal-4025	102	14	females	female	NOUN
american_scientific_journal-4025	102	15	and	and	CCONJ
american_scientific_journal-4025	102	16	rests	rest	NOUN
american_scientific_journal-4025	102	17	were	be	AUX
american_scientific_journal-4025	102	18	males	male	NOUN
american_scientific_journal-4025	102	19	.	.	PUNCT
american_scientific_journal-4025	103	1	american	american	ADJ
american_scientific_journal-4025	103	2	scientific	scientific	ADJ
american_scientific_journal-4025	103	3	research	research	PROPN
american_scientific_journal-4025	103	4	journal	journal	NOUN
american_scientific_journal-4025	103	5	for	for	ADP
american_scientific_journal-4025	103	6	engineering	engineering	NOUN
american_scientific_journal-4025	103	7	,	,	PUNCT
american_scientific_journal-4025	103	8	technology	technology	NOUN
american_scientific_journal-4025	103	9	,	,	PUNCT
american_scientific_journal-4025	103	10	and	and	CCONJ
american_scientific_journal-4025	103	11	sciences	science	NOUN
american_scientific_journal-4025	103	12	(	(	PUNCT
american_scientific_journal-4025	103	13	asrjets	asrjet	NOUN
american_scientific_journal-4025	103	14	)	)	PUNCT
american_scientific_journal-4025	103	15	(	(	PUNCT
american_scientific_journal-4025	103	16	2018	2018	NUM
american_scientific_journal-4025	103	17	)	)	PUNCT
american_scientific_journal-4025	103	18	volume	volume	NOUN
american_scientific_journal-4025	103	19	42	42	NUM
american_scientific_journal-4025	103	20	,	,	PUNCT
american_scientific_journal-4025	103	21	no	no	DET
american_scientific_journal-4025	103	22	1	1	NUM
american_scientific_journal-4025	103	23	,	,	PUNCT
american_scientific_journal-4025	103	24	pp	pp	ADV
american_scientific_journal-4025	103	25	75	75	NUM
american_scientific_journal-4025	103	26	-	-	SYM
american_scientific_journal-4025	103	27	88	88	NUM
american_scientific_journal-4025	103	28	80	80	NUM
american_scientific_journal-4025	103	29	table	table	NOUN
american_scientific_journal-4025	103	30	2	2	NUM
american_scientific_journal-4025	103	31	:	:	PUNCT
american_scientific_journal-4025	103	32	presents	present	NOUN
american_scientific_journal-4025	103	33	with	with	ADP
american_scientific_journal-4025	103	34	the	the	DET
american_scientific_journal-4025	103	35	information	information	NOUN
american_scientific_journal-4025	103	36	related	relate	VERB
american_scientific_journal-4025	103	37	to	to	ADP
american_scientific_journal-4025	103	38	respondents	respondent	NOUN
american_scientific_journal-4025	103	39	’	'	PUNCT
american_scientific_journal-4025	103	40	age	age	NOUN
american_scientific_journal-4025	103	41	group	group	NOUN
american_scientific_journal-4025	103	42	-	-	PUNCT
american_scientific_journal-4025	103	43	wise	wise	ADJ
american_scientific_journal-4025	103	44	of	of	ADP
american_scientific_journal-4025	103	45	both	both	PRON
american_scientific_journal-4025	103	46	bank	bank	NOUN
american_scientific_journal-4025	103	47	employees	employee	NOUN
american_scientific_journal-4025	103	48	and	and	CCONJ
american_scientific_journal-4025	103	49	bank	bank	NOUN
american_scientific_journal-4025	103	50	customers	customer	NOUN
american_scientific_journal-4025	103	51	.	.	PUNCT
american_scientific_journal-4025	104	1	age	age	NOUN
american_scientific_journal-4025	104	2	group	group	PROPN
american_scientific_journal-4025	104	3	bank	bank	PROPN
american_scientific_journal-4025	104	4	customers	customer	NOUN
american_scientific_journal-4025	104	5	bank	bank	PROPN
american_scientific_journal-4025	104	6	employees	employee	NOUN
american_scientific_journal-4025	104	7	male	male	ADJ
american_scientific_journal-4025	104	8	female	female	ADJ
american_scientific_journal-4025	104	9	male	male	ADJ
american_scientific_journal-4025	104	10	female	female	NOUN
american_scientific_journal-4025	104	11	n	n	CCONJ
american_scientific_journal-4025	104	12	%	%	NOUN
american_scientific_journal-4025	104	13	n	n	PRON
american_scientific_journal-4025	104	14	%	%	NOUN
american_scientific_journal-4025	104	15	n	n	DET
american_scientific_journal-4025	104	16	%	%	NOUN
american_scientific_journal-4025	104	17	n	n	DET
american_scientific_journal-4025	104	18	%	%	NOUN
american_scientific_journal-4025	104	19	under	under	ADP
american_scientific_journal-4025	104	20	20	20	NUM
american_scientific_journal-4025	104	21	6	6	NUM
american_scientific_journal-4025	104	22	6.9	6.9	NUM
american_scientific_journal-4025	104	23	3	3	NUM
american_scientific_journal-4025	104	24	5.66	5.66	NUM
american_scientific_journal-4025	104	25	-0	-0	SYM
american_scientific_journal-4025	104	26	0	0	NUM
american_scientific_journal-4025	104	27	0	0	NUM
american_scientific_journal-4025	104	28	20	20	NUM
american_scientific_journal-4025	104	29	-	-	SYM
american_scientific_journal-4025	104	30	29	29	NUM
american_scientific_journal-4025	104	31	33	33	NUM
american_scientific_journal-4025	104	32	37.93	37.93	NUM
american_scientific_journal-4025	104	33	18	18	NUM
american_scientific_journal-4025	104	34	33.96	33.96	NUM
american_scientific_journal-4025	104	35	19	19	NUM
american_scientific_journal-4025	104	36	59.38	59.38	NUM
american_scientific_journal-4025	104	37	10	10	NUM
american_scientific_journal-4025	104	38	55.56	55.56	NUM
american_scientific_journal-4025	104	39	30	30	NUM
american_scientific_journal-4025	104	40	-	-	SYM
american_scientific_journal-4025	104	41	39	39	NUM
american_scientific_journal-4025	104	42	30	30	NUM
american_scientific_journal-4025	104	43	34.48	34.48	NUM
american_scientific_journal-4025	104	44	16	16	NUM
american_scientific_journal-4025	104	45	30.19	30.19	NUM
american_scientific_journal-4025	104	46	12	12	NUM
american_scientific_journal-4025	104	47	37.50	37.50	NUM
american_scientific_journal-4025	104	48	8	8	NUM
american_scientific_journal-4025	104	49	44.44	44.44	NUM
american_scientific_journal-4025	104	50	40	40	NUM
american_scientific_journal-4025	104	51	-	-	SYM
american_scientific_journal-4025	104	52	49	49	NUM
american_scientific_journal-4025	104	53	13	13	NUM
american_scientific_journal-4025	104	54	14.92	14.92	NUM
american_scientific_journal-4025	104	55	13	13	NUM
american_scientific_journal-4025	104	56	24.53	24.53	NUM
american_scientific_journal-4025	104	57	1	1	NUM
american_scientific_journal-4025	104	58	3.12	3.12	NUM
american_scientific_journal-4025	104	59	0	0	NUM
american_scientific_journal-4025	104	60	0	0	NUM
american_scientific_journal-4025	104	61	50	50	NUM
american_scientific_journal-4025	104	62	and	and	CCONJ
american_scientific_journal-4025	104	63	above	above	ADP
american_scientific_journal-4025	104	64	5	5	NUM
american_scientific_journal-4025	104	65	5.75	5.75	NUM
american_scientific_journal-4025	104	66	3	3	NUM
american_scientific_journal-4025	104	67	5.66	5.66	NUM
american_scientific_journal-4025	104	68	0	0	NUM
american_scientific_journal-4025	104	69	0	0	NUM
american_scientific_journal-4025	104	70	0	0	NUM
american_scientific_journal-4025	104	71	0	0	NUM
american_scientific_journal-4025	104	72	total	total	NOUN
american_scientific_journal-4025	104	73	87	87	NUM
american_scientific_journal-4025	104	74	100.00	100.00	NUM
american_scientific_journal-4025	104	75	53	53	NUM
american_scientific_journal-4025	104	76	100.00	100.00	NUM
american_scientific_journal-4025	104	77	32	32	NUM
american_scientific_journal-4025	104	78	100.00	100.00	NUM
american_scientific_journal-4025	104	79	18	18	NUM
american_scientific_journal-4025	104	80	100.00	100.00	NUM
american_scientific_journal-4025	104	81	the	the	DET
american_scientific_journal-4025	104	82	information	information	NOUN
american_scientific_journal-4025	104	83	presented	present	VERB
american_scientific_journal-4025	104	84	in	in	ADP
american_scientific_journal-4025	104	85	table	table	NOUN
american_scientific_journal-4025	104	86	revels	revel	NOUN
american_scientific_journal-4025	104	87	that	that	SCONJ
american_scientific_journal-4025	104	88	among	among	ADP
american_scientific_journal-4025	104	89	140	140	NUM
american_scientific_journal-4025	104	90	bank	bank	NOUN
american_scientific_journal-4025	104	91	customers	customer	NOUN
american_scientific_journal-4025	104	92	must	must	AUX
american_scientific_journal-4025	104	93	of	of	ADP
american_scientific_journal-4025	104	94	the	the	DET
american_scientific_journal-4025	104	95	customers	customer	NOUN
american_scientific_journal-4025	104	96	were	be	AUX
american_scientific_journal-4025	104	97	in	in	ADP
american_scientific_journal-4025	104	98	between	between	ADP
american_scientific_journal-4025	104	99	age	age	NOUN
american_scientific_journal-4025	104	100	range	range	NOUN
american_scientific_journal-4025	104	101	of	of	ADP
american_scientific_journal-4025	104	102	20	20	NUM
american_scientific_journal-4025	104	103	-	-	SYM
american_scientific_journal-4025	104	104	39	39	NUM
american_scientific_journal-4025	104	105	years	year	NOUN
american_scientific_journal-4025	104	106	and	and	CCONJ
american_scientific_journal-4025	104	107	approximately	approximately	ADV
american_scientific_journal-4025	104	108	72	72	NUM
american_scientific_journal-4025	104	109	percent	percent	NOUN
american_scientific_journal-4025	104	110	of	of	ADP
american_scientific_journal-4025	104	111	them	they	PRON
american_scientific_journal-4025	104	112	were	be	AUX
american_scientific_journal-4025	104	113	male	male	ADJ
american_scientific_journal-4025	104	114	.	.	PUNCT
american_scientific_journal-4025	105	1	among	among	ADP
american_scientific_journal-4025	105	2	the	the	DET
american_scientific_journal-4025	105	3	females	female	NOUN
american_scientific_journal-4025	105	4	,	,	PUNCT
american_scientific_journal-4025	105	5	almost	almost	ADV
american_scientific_journal-4025	105	6	64	64	NUM
american_scientific_journal-4025	105	7	percent	percent	NOUN
american_scientific_journal-4025	105	8	of	of	ADP
american_scientific_journal-4025	105	9	them	they	PRON
american_scientific_journal-4025	105	10	.	.	PUNCT
american_scientific_journal-4025	106	1	similarly	similarly	ADV
american_scientific_journal-4025	106	2	,	,	PUNCT
american_scientific_journal-4025	106	3	almost	almost	ADV
american_scientific_journal-4025	106	4	all	all	DET
american_scientific_journal-4025	106	5	the	the	DET
american_scientific_journal-4025	106	6	bank	bank	NOUN
american_scientific_journal-4025	106	7	employees	employee	NOUN
american_scientific_journal-4025	106	8	who	who	PRON
american_scientific_journal-4025	106	9	concerned	concern	VERB
american_scientific_journal-4025	106	10	with	with	ADP
american_scientific_journal-4025	106	11	csd	csd	PROPN
american_scientific_journal-4025	106	12	and	and	CCONJ
american_scientific_journal-4025	106	13	it	it	PRON
american_scientific_journal-4025	106	14	department	department	NOUN
american_scientific_journal-4025	106	15	were	be	AUX
american_scientific_journal-4025	106	16	in	in	ADP
american_scientific_journal-4025	106	17	the	the	DET
american_scientific_journal-4025	106	18	age	age	NOUN
american_scientific_journal-4025	106	19	range	range	NOUN
american_scientific_journal-4025	106	20	of	of	ADP
american_scientific_journal-4025	106	21	20	20	NUM
american_scientific_journal-4025	106	22	-	-	SYM
american_scientific_journal-4025	106	23	39	39	NUM
american_scientific_journal-4025	106	24	years	year	NOUN
american_scientific_journal-4025	106	25	.	.	PUNCT
american_scientific_journal-4025	107	1	the	the	DET
american_scientific_journal-4025	107	2	information	information	NOUN
american_scientific_journal-4025	107	3	related	relate	VERB
american_scientific_journal-4025	107	4	to	to	ADP
american_scientific_journal-4025	107	5	respondents	respondent	NOUN
american_scientific_journal-4025	107	6	’	'	PUNCT
american_scientific_journal-4025	107	7	education	education	NOUN
american_scientific_journal-4025	107	8	qualification	qualification	NOUN
american_scientific_journal-4025	107	9	has	have	AUX
american_scientific_journal-4025	107	10	been	be	AUX
american_scientific_journal-4025	107	11	presented	present	VERB
american_scientific_journal-4025	107	12	in	in	ADP
american_scientific_journal-4025	107	13	table	table	NOUN
american_scientific_journal-4025	107	14	3	3	NUM
american_scientific_journal-4025	107	15	.	.	PUNCT
american_scientific_journal-4025	107	16	table	table	NOUN
american_scientific_journal-4025	107	17	3	3	NUM
american_scientific_journal-4025	107	18	:	:	PUNCT
american_scientific_journal-4025	107	19	education	education	NOUN
american_scientific_journal-4025	107	20	qualification	qualification	NOUN
american_scientific_journal-4025	107	21	of	of	ADP
american_scientific_journal-4025	107	22	the	the	DET
american_scientific_journal-4025	107	23	respondents	respondent	NOUN
american_scientific_journal-4025	107	24	education	education	NOUN
american_scientific_journal-4025	107	25	qualification	qualification	NOUN
american_scientific_journal-4025	107	26	male	male	ADJ
american_scientific_journal-4025	107	27	female	female	ADJ
american_scientific_journal-4025	107	28	n	n	CCONJ
american_scientific_journal-4025	107	29	%	%	NOUN
american_scientific_journal-4025	107	30	n	n	CCONJ
american_scientific_journal-4025	107	31	%	%	NOUN
american_scientific_journal-4025	107	32	general	general	ADJ
american_scientific_journal-4025	107	33	literate	literate	ADJ
american_scientific_journal-4025	107	34	8	8	NUM
american_scientific_journal-4025	107	35	9.20	9.20	NUM
american_scientific_journal-4025	107	36	6	6	NUM
american_scientific_journal-4025	107	37	11.30	11.30	NUM
american_scientific_journal-4025	107	38	up	up	ADP
american_scientific_journal-4025	107	39	to	to	ADP
american_scientific_journal-4025	107	40	slc	slc	PROPN
american_scientific_journal-4025	107	41	21	21	NUM
american_scientific_journal-4025	107	42	24.10	24.10	NUM
american_scientific_journal-4025	107	43	9	9	NUM
american_scientific_journal-4025	107	44	17.00	17.00	NUM
american_scientific_journal-4025	107	45	intermediate	intermediate	ADJ
american_scientific_journal-4025	107	46	18	18	NUM
american_scientific_journal-4025	107	47	20.70	20.70	NUM
american_scientific_journal-4025	107	48	16	16	NUM
american_scientific_journal-4025	107	49	30.20	30.20	NUM
american_scientific_journal-4025	107	50	bachelors	bachelor	NOUN
american_scientific_journal-4025	107	51	23	23	NUM
american_scientific_journal-4025	107	52	26.40	26.40	NUM
american_scientific_journal-4025	107	53	15	15	NUM
american_scientific_journal-4025	107	54	28.30	28.30	NUM
american_scientific_journal-4025	107	55	masters	master	NOUN
american_scientific_journal-4025	107	56	10	10	NUM
american_scientific_journal-4025	107	57	11.50	11.50	NUM
american_scientific_journal-4025	107	58	6	6	NUM
american_scientific_journal-4025	107	59	11.30	11.30	NUM
american_scientific_journal-4025	107	60	others	other	NOUN
american_scientific_journal-4025	107	61	7	7	NUM
american_scientific_journal-4025	107	62	8.00	8.00	NUM
american_scientific_journal-4025	107	63	1	1	NUM
american_scientific_journal-4025	107	64	1.90	1.90	NUM
american_scientific_journal-4025	107	65	total	total	NOUN
american_scientific_journal-4025	107	66	87	87	NUM
american_scientific_journal-4025	107	67	100.00	100.00	NUM
american_scientific_journal-4025	107	68	53	53	NUM
american_scientific_journal-4025	107	69	100.00	100.00	NUM
american_scientific_journal-4025	107	70	american	american	ADJ
american_scientific_journal-4025	107	71	scientific	scientific	ADJ
american_scientific_journal-4025	107	72	research	research	NOUN
american_scientific_journal-4025	107	73	journal	journal	NOUN
american_scientific_journal-4025	107	74	for	for	ADP
american_scientific_journal-4025	107	75	engineering	engineering	NOUN
american_scientific_journal-4025	107	76	,	,	PUNCT
american_scientific_journal-4025	107	77	technology	technology	NOUN
american_scientific_journal-4025	107	78	,	,	PUNCT
american_scientific_journal-4025	107	79	and	and	CCONJ
american_scientific_journal-4025	107	80	sciences	science	NOUN
american_scientific_journal-4025	107	81	(	(	PUNCT
american_scientific_journal-4025	107	82	asrjets	asrjet	NOUN
american_scientific_journal-4025	107	83	)	)	PUNCT
american_scientific_journal-4025	107	84	(	(	PUNCT
american_scientific_journal-4025	107	85	2018	2018	NUM
american_scientific_journal-4025	107	86	)	)	PUNCT
american_scientific_journal-4025	107	87	volume	volume	NOUN
american_scientific_journal-4025	107	88	42	42	NUM
american_scientific_journal-4025	107	89	,	,	PUNCT
american_scientific_journal-4025	107	90	no	no	DET
american_scientific_journal-4025	107	91	1	1	NUM
american_scientific_journal-4025	107	92	,	,	PUNCT
american_scientific_journal-4025	107	93	pp	pp	ADV
american_scientific_journal-4025	107	94	75	75	NUM
american_scientific_journal-4025	107	95	-	-	SYM
american_scientific_journal-4025	107	96	88	88	NUM
american_scientific_journal-4025	107	97	81	81	NUM
american_scientific_journal-4025	108	1	the	the	DET
american_scientific_journal-4025	108	2	information	information	NOUN
american_scientific_journal-4025	108	3	presented	present	VERB
american_scientific_journal-4025	108	4	i	i	PRON
american_scientific_journal-4025	108	5	states	state	VERB
american_scientific_journal-4025	108	6	that	that	SCONJ
american_scientific_journal-4025	108	7	most	most	ADJ
american_scientific_journal-4025	108	8	of	of	ADP
american_scientific_journal-4025	108	9	the	the	DET
american_scientific_journal-4025	108	10	respondents	respondent	NOUN
american_scientific_journal-4025	108	11	were	be	AUX
american_scientific_journal-4025	108	12	having	have	VERB
american_scientific_journal-4025	108	13	the	the	DET
american_scientific_journal-4025	108	14	education	education	NOUN
american_scientific_journal-4025	108	15	qualification	qualification	NOUN
american_scientific_journal-4025	108	16	of	of	ADP
american_scientific_journal-4025	108	17	bachelor	bachelor	NOUN
american_scientific_journal-4025	108	18	’s	’s	PART
american_scientific_journal-4025	108	19	degrees	degree	NOUN
american_scientific_journal-4025	108	20	.	.	PUNCT
american_scientific_journal-4025	109	1	approximately	approximately	ADV
american_scientific_journal-4025	109	2	6	6	NUM
american_scientific_journal-4025	109	3	percent	percent	NOUN
american_scientific_journal-4025	109	4	of	of	ADP
american_scientific_journal-4025	109	5	total	total	ADJ
american_scientific_journal-4025	109	6	respondents	respondent	NOUN
american_scientific_journal-4025	109	7	were	be	AUX
american_scientific_journal-4025	109	8	illiterate	illiterate	ADJ
american_scientific_journal-4025	109	9	.	.	PUNCT
american_scientific_journal-4025	110	1	it	it	PRON
american_scientific_journal-4025	110	2	is	be	AUX
american_scientific_journal-4025	110	3	clear	clear	ADJ
american_scientific_journal-4025	110	4	that	that	SCONJ
american_scientific_journal-4025	110	5	almost	almost	ADV
american_scientific_journal-4025	110	6	94	94	NUM
american_scientific_journal-4025	110	7	percent	percent	NOUN
american_scientific_journal-4025	110	8	of	of	ADP
american_scientific_journal-4025	110	9	total	total	ADJ
american_scientific_journal-4025	110	10	respondent	respondent	NOUN
american_scientific_journal-4025	110	11	were	be	AUX
american_scientific_journal-4025	110	12	literate	literate	ADJ
american_scientific_journal-4025	110	13	.	.	PUNCT
american_scientific_journal-4025	111	1	table	table	NOUN
american_scientific_journal-4025	111	2	4	4	NUM
american_scientific_journal-4025	111	3	presents	present	NOUN
american_scientific_journal-4025	111	4	with	with	ADP
american_scientific_journal-4025	111	5	the	the	DET
american_scientific_journal-4025	111	6	information	information	NOUN
american_scientific_journal-4025	111	7	related	relate	VERB
american_scientific_journal-4025	111	8	to	to	ADP
american_scientific_journal-4025	111	9	respondents	respondent	NOUN
american_scientific_journal-4025	111	10	’	'	PUNCT
american_scientific_journal-4025	111	11	profession	profession	NOUN
american_scientific_journal-4025	111	12	at	at	ADP
american_scientific_journal-4025	111	13	the	the	DET
american_scientific_journal-4025	111	14	time	time	NOUN
american_scientific_journal-4025	111	15	of	of	ADP
american_scientific_journal-4025	111	16	this	this	DET
american_scientific_journal-4025	111	17	survey	survey	NOUN
american_scientific_journal-4025	111	18	research	research	NOUN
american_scientific_journal-4025	111	19	.	.	PUNCT
american_scientific_journal-4025	112	1	table	table	NOUN
american_scientific_journal-4025	112	2	4	4	NUM
american_scientific_journal-4025	112	3	:	:	PUNCT
american_scientific_journal-4025	112	4	professional	professional	ADJ
american_scientific_journal-4025	112	5	backgrounds	background	NOUN
american_scientific_journal-4025	112	6	of	of	ADP
american_scientific_journal-4025	112	7	the	the	DET
american_scientific_journal-4025	112	8	respondents	respondent	NOUN
american_scientific_journal-4025	112	9	current	current	ADJ
american_scientific_journal-4025	112	10	status	status	NOUN
american_scientific_journal-4025	112	11	of	of	ADP
american_scientific_journal-4025	112	12	male	male	ADJ
american_scientific_journal-4025	112	13	female	female	ADJ
american_scientific_journal-4025	112	14	employment	employment	NOUN
american_scientific_journal-4025	112	15	n	n	PRON
american_scientific_journal-4025	112	16	%	%	NOUN
american_scientific_journal-4025	113	1	n	n	CCONJ
american_scientific_journal-4025	113	2	%	%	NOUN
american_scientific_journal-4025	113	3	house	house	NOUN
american_scientific_journal-4025	113	4	maker	maker	NOUN
american_scientific_journal-4025	113	5	2	2	NUM
american_scientific_journal-4025	113	6	2.30	2.30	NUM
american_scientific_journal-4025	113	7	21	21	NUM
american_scientific_journal-4025	113	8	39.60	39.60	NUM
american_scientific_journal-4025	113	9	self	self	NOUN
american_scientific_journal-4025	113	10	employed	employ	VERB
american_scientific_journal-4025	113	11	17	17	NUM
american_scientific_journal-4025	113	12	19.50	19.50	NUM
american_scientific_journal-4025	113	13	7	7	NUM
american_scientific_journal-4025	113	14	13.20	13.20	NUM
american_scientific_journal-4025	113	15	public	public	ADJ
american_scientific_journal-4025	113	16	service	service	NOUN
american_scientific_journal-4025	113	17	holder	holder	NOUN
american_scientific_journal-4025	113	18	8	8	NUM
american_scientific_journal-4025	113	19	9.20	9.20	NUM
american_scientific_journal-4025	113	20	7	7	NUM
american_scientific_journal-4025	113	21	13.20	13.20	NUM
american_scientific_journal-4025	113	22	private	private	ADJ
american_scientific_journal-4025	113	23	service	service	NOUN
american_scientific_journal-4025	113	24	holder	holder	NOUN
american_scientific_journal-4025	113	25	37	37	NUM
american_scientific_journal-4025	113	26	42.50	42.50	NUM
american_scientific_journal-4025	113	27	9	9	NUM
american_scientific_journal-4025	113	28	17.00	17.00	NUM
american_scientific_journal-4025	113	29	freelance	freelance	NOUN
american_scientific_journal-4025	113	30	service	service	NOUN
american_scientific_journal-4025	113	31	8	8	NUM
american_scientific_journal-4025	113	32	9.20	9.20	NUM
american_scientific_journal-4025	113	33	4	4	NUM
american_scientific_journal-4025	113	34	7.50	7.50	NUM
american_scientific_journal-4025	113	35	unemployed	unemployed	ADJ
american_scientific_journal-4025	113	36	15	15	NUM
american_scientific_journal-4025	113	37	17.20	17.20	NUM
american_scientific_journal-4025	113	38	5	5	NUM
american_scientific_journal-4025	113	39	9.40	9.40	NUM
american_scientific_journal-4025	113	40	total	total	NOUN
american_scientific_journal-4025	113	41	87	87	NUM
american_scientific_journal-4025	113	42	100.00	100.00	NUM
american_scientific_journal-4025	113	43	53	53	NUM
american_scientific_journal-4025	113	44	100.00	100.00	NUM
american_scientific_journal-4025	113	45	the	the	DET
american_scientific_journal-4025	113	46	information	information	NOUN
american_scientific_journal-4025	113	47	presented	present	VERB
american_scientific_journal-4025	113	48	in	in	ADP
american_scientific_journal-4025	113	49	table	table	NOUN
american_scientific_journal-4025	113	50	4	4	NUM
american_scientific_journal-4025	113	51	states	state	NOUN
american_scientific_journal-4025	113	52	that	that	SCONJ
american_scientific_journal-4025	113	53	about	about	ADV
american_scientific_journal-4025	113	54	43	43	NUM
american_scientific_journal-4025	113	55	percent	percent	NOUN
american_scientific_journal-4025	113	56	of	of	ADP
american_scientific_journal-4025	113	57	the	the	DET
american_scientific_journal-4025	113	58	male	male	ADJ
american_scientific_journal-4025	113	59	respondents	respondent	NOUN
american_scientific_journal-4025	113	60	were	be	AUX
american_scientific_journal-4025	113	61	private	private	ADJ
american_scientific_journal-4025	113	62	service	service	NOUN
american_scientific_journal-4025	113	63	holders	holder	NOUN
american_scientific_journal-4025	113	64	whereas	whereas	SCONJ
american_scientific_journal-4025	113	65	only	only	ADV
american_scientific_journal-4025	113	66	about	about	ADV
american_scientific_journal-4025	113	67	2	2	NUM
american_scientific_journal-4025	113	68	percent	percent	NOUN
american_scientific_journal-4025	113	69	of	of	ADP
american_scientific_journal-4025	113	70	them	they	PRON
american_scientific_journal-4025	113	71	were	be	AUX
american_scientific_journal-4025	113	72	house	house	NOUN
american_scientific_journal-4025	113	73	makers	maker	NOUN
american_scientific_journal-4025	113	74	.	.	PUNCT
american_scientific_journal-4025	114	1	at	at	ADP
american_scientific_journal-4025	114	2	the	the	DET
american_scientific_journal-4025	114	3	same	same	ADJ
american_scientific_journal-4025	114	4	time	time	NOUN
american_scientific_journal-4025	114	5	,	,	PUNCT
american_scientific_journal-4025	114	6	40	40	NUM
american_scientific_journal-4025	114	7	percent	percent	NOUN
american_scientific_journal-4025	114	8	of	of	ADP
american_scientific_journal-4025	114	9	the	the	DET
american_scientific_journal-4025	114	10	female	female	ADJ
american_scientific_journal-4025	114	11	respondents	respondent	NOUN
american_scientific_journal-4025	114	12	were	be	AUX
american_scientific_journal-4025	114	13	house	house	NOUN
american_scientific_journal-4025	114	14	makers	maker	NOUN
american_scientific_journal-4025	114	15	and	and	CCONJ
american_scientific_journal-4025	114	16	only	only	ADV
american_scientific_journal-4025	114	17	8	8	NUM
american_scientific_journal-4025	114	18	percent	percent	NOUN
american_scientific_journal-4025	114	19	of	of	ADP
american_scientific_journal-4025	114	20	them	they	PRON
american_scientific_journal-4025	114	21	reported	report	VERB
american_scientific_journal-4025	114	22	to	to	PART
american_scientific_journal-4025	114	23	be	be	AUX
american_scientific_journal-4025	114	24	in	in	ADP
american_scientific_journal-4025	114	25	freelance	freelance	NOUN
american_scientific_journal-4025	114	26	services	service	NOUN
american_scientific_journal-4025	114	27	.	.	PUNCT
american_scientific_journal-4025	115	1	approximately	approximately	ADV
american_scientific_journal-4025	115	2	6	6	NUM
american_scientific_journal-4025	115	3	percent	percent	NOUN
american_scientific_journal-4025	115	4	of	of	ADP
american_scientific_journal-4025	115	5	the	the	DET
american_scientific_journal-4025	115	6	total	total	ADJ
american_scientific_journal-4025	115	7	respondents	respondent	NOUN
american_scientific_journal-4025	115	8	were	be	AUX
american_scientific_journal-4025	115	9	unemployed	unemployed	ADJ
american_scientific_journal-4025	115	10	.	.	PUNCT
american_scientific_journal-4025	116	1	there	there	PRON
american_scientific_journal-4025	116	2	are	be	VERB
american_scientific_journal-4025	116	3	different	different	ADJ
american_scientific_journal-4025	116	4	services	service	NOUN
american_scientific_journal-4025	116	5	offered	offer	VERB
american_scientific_journal-4025	116	6	by	by	ADP
american_scientific_journal-4025	116	7	financial	financial	ADJ
american_scientific_journal-4025	116	8	institutions	institution	NOUN
american_scientific_journal-4025	116	9	in	in	ADP
american_scientific_journal-4025	116	10	order	order	NOUN
american_scientific_journal-4025	116	11	to	to	PART
american_scientific_journal-4025	116	12	attract	attract	VERB
american_scientific_journal-4025	116	13	the	the	DET
american_scientific_journal-4025	116	14	customers	customer	NOUN
american_scientific_journal-4025	116	15	and	and	CCONJ
american_scientific_journal-4025	116	16	serve	serve	VERB
american_scientific_journal-4025	116	17	them	they	PRON
american_scientific_journal-4025	116	18	.	.	PUNCT
american_scientific_journal-4025	117	1	based	base	VERB
american_scientific_journal-4025	117	2	on	on	ADP
american_scientific_journal-4025	117	3	the	the	DET
american_scientific_journal-4025	117	4	information	information	NOUN
american_scientific_journal-4025	117	5	collected	collect	VERB
american_scientific_journal-4025	117	6	through	through	ADP
american_scientific_journal-4025	117	7	the	the	DET
american_scientific_journal-4025	117	8	present	present	ADJ
american_scientific_journal-4025	117	9	study	study	NOUN
american_scientific_journal-4025	117	10	,	,	PUNCT
american_scientific_journal-4025	117	11	a	a	DET
american_scientific_journal-4025	117	12	range	range	NOUN
american_scientific_journal-4025	117	13	of	of	ADP
american_scientific_journal-4025	117	14	ict	ict	PROPN
american_scientific_journal-4025	117	15	based	base	VERB
american_scientific_journal-4025	117	16	services	service	NOUN
american_scientific_journal-4025	117	17	were	be	AUX
american_scientific_journal-4025	117	18	reported	report	VERB
american_scientific_journal-4025	117	19	to	to	PART
american_scientific_journal-4025	117	20	be	be	AUX
american_scientific_journal-4025	117	21	provided	provide	VERB
american_scientific_journal-4025	117	22	by	by	ADP
american_scientific_journal-4025	117	23	the	the	DET
american_scientific_journal-4025	117	24	nepalese	nepalese	ADJ
american_scientific_journal-4025	117	25	commercial	commercial	ADJ
american_scientific_journal-4025	117	26	banks	bank	NOUN
american_scientific_journal-4025	117	27	till	till	SCONJ
american_scientific_journal-4025	117	28	the	the	DET
american_scientific_journal-4025	117	29	time	time	NOUN
american_scientific_journal-4025	117	30	of	of	ADP
american_scientific_journal-4025	117	31	present	present	ADJ
american_scientific_journal-4025	117	32	study	study	NOUN
american_scientific_journal-4025	117	33	.	.	PUNCT
american_scientific_journal-4025	118	1	such	such	ADJ
american_scientific_journal-4025	118	2	services	service	NOUN
american_scientific_journal-4025	118	3	include	include	VERB
american_scientific_journal-4025	118	4	-	-	PUNCT
american_scientific_journal-4025	118	5			VERB
american_scientific_journal-4025	118	6	debit	debit	NOUN
american_scientific_journal-4025	118	7	/	/	SYM
american_scientific_journal-4025	118	8	atm	atm	NOUN
american_scientific_journal-4025	118	9	card	card	NOUN
american_scientific_journal-4025	118	10	services	service	NOUN
american_scientific_journal-4025	118	11			VERB
american_scientific_journal-4025	118	12	credit	credit	NOUN
american_scientific_journal-4025	118	13	card	card	NOUN
american_scientific_journal-4025	118	14			VERB
american_scientific_journal-4025	118	15	internet	internet	NOUN
american_scientific_journal-4025	118	16	banking	banking	NOUN
american_scientific_journal-4025	118	17	service	service	NOUN
american_scientific_journal-4025	118	18			VERB
american_scientific_journal-4025	118	19	mobile	mobile	ADJ
american_scientific_journal-4025	118	20	banking	banking	NOUN
american_scientific_journal-4025	118	21	service	service	NOUN
american_scientific_journal-4025	118	22			VERB
american_scientific_journal-4025	118	23	mobile	mobile	ADJ
american_scientific_journal-4025	118	24	cash	cash	NOUN
american_scientific_journal-4025	118	25	american	american	ADJ
american_scientific_journal-4025	118	26	scientific	scientific	ADJ
american_scientific_journal-4025	118	27	research	research	NOUN
american_scientific_journal-4025	118	28	journal	journal	NOUN
american_scientific_journal-4025	118	29	for	for	ADP
american_scientific_journal-4025	118	30	engineering	engineering	NOUN
american_scientific_journal-4025	118	31	,	,	PUNCT
american_scientific_journal-4025	118	32	technology	technology	NOUN
american_scientific_journal-4025	118	33	,	,	PUNCT
american_scientific_journal-4025	118	34	and	and	CCONJ
american_scientific_journal-4025	118	35	sciences	science	NOUN
american_scientific_journal-4025	118	36	(	(	PUNCT
american_scientific_journal-4025	118	37	asrjets	asrjet	NOUN
american_scientific_journal-4025	118	38	)	)	PUNCT
american_scientific_journal-4025	118	39	(	(	PUNCT
american_scientific_journal-4025	118	40	2018	2018	NUM
american_scientific_journal-4025	118	41	)	)	PUNCT
american_scientific_journal-4025	118	42	volume	volume	NOUN
american_scientific_journal-4025	118	43	42	42	NUM
american_scientific_journal-4025	118	44	,	,	PUNCT
american_scientific_journal-4025	118	45	no	no	DET
american_scientific_journal-4025	118	46	1	1	NUM
american_scientific_journal-4025	118	47	,	,	PUNCT
american_scientific_journal-4025	118	48	pp	pp	ADV
american_scientific_journal-4025	118	49	75	75	NUM
american_scientific_journal-4025	118	50	-	-	SYM
american_scientific_journal-4025	118	51	88	88	NUM
american_scientific_journal-4025	118	52	82	82	NUM
american_scientific_journal-4025	118	53	table	table	NOUN
american_scientific_journal-4025	118	54	5.presents	5.presents	NUM
american_scientific_journal-4025	118	55	the	the	DET
american_scientific_journal-4025	118	56	detailed	detailed	ADJ
american_scientific_journal-4025	118	57	information	information	NOUN
american_scientific_journal-4025	118	58	on	on	ADP
american_scientific_journal-4025	118	59	intensity	intensity	NOUN
american_scientific_journal-4025	118	60	and	and	CCONJ
american_scientific_journal-4025	118	61	diversity	diversity	NOUN
american_scientific_journal-4025	118	62	of	of	ADP
american_scientific_journal-4025	118	63	such	such	ADJ
american_scientific_journal-4025	118	64	services	service	NOUN
american_scientific_journal-4025	118	65	rendered	render	VERB
american_scientific_journal-4025	118	66	by	by	ADP
american_scientific_journal-4025	118	67	the	the	DET
american_scientific_journal-4025	118	68	nepalese	nepalese	ADJ
american_scientific_journal-4025	118	69	commercial	commercial	ADJ
american_scientific_journal-4025	118	70	banks	bank	NOUN
american_scientific_journal-4025	118	71	to	to	ADP
american_scientific_journal-4025	118	72	their	their	PRON
american_scientific_journal-4025	118	73	customers	customer	NOUN
american_scientific_journal-4025	118	74	with	with	ADP
american_scientific_journal-4025	118	75	different	different	ADJ
american_scientific_journal-4025	118	76	academic	academic	ADJ
american_scientific_journal-4025	118	77	backgrounds	background	NOUN
american_scientific_journal-4025	118	78	.	.	PUNCT
american_scientific_journal-4025	119	1	table	table	NOUN
american_scientific_journal-4025	119	2	5	5	NUM
american_scientific_journal-4025	119	3	:	:	PUNCT
american_scientific_journal-4025	119	4	relation	relation	NOUN
american_scientific_journal-4025	119	5	of	of	ADP
american_scientific_journal-4025	119	6	ict	ict	PROPN
american_scientific_journal-4025	119	7	services	service	NOUN
american_scientific_journal-4025	119	8	and	and	CCONJ
american_scientific_journal-4025	119	9	education	education	NOUN
american_scientific_journal-4025	119	10	qualification	qualification	NOUN
american_scientific_journal-4025	119	11	of	of	ADP
american_scientific_journal-4025	119	12	customers	customer	NOUN
american_scientific_journal-4025	119	13	services	service	NOUN
american_scientific_journal-4025	119	14	education	education	NOUN
american_scientific_journal-4025	119	15	qualification	qualification	NOUN
american_scientific_journal-4025	119	16	(	(	PUNCT
american_scientific_journal-4025	119	17	%	%	INTJ
american_scientific_journal-4025	119	18	)	)	PUNCT
american_scientific_journal-4025	119	19	general	general	ADJ
american_scientific_journal-4025	119	20	up	up	ADP
american_scientific_journal-4025	119	21	to	to	ADP
american_scientific_journal-4025	119	22	intermediate	intermediate	ADJ
american_scientific_journal-4025	119	23	bachelors	bachelor	NOUN
american_scientific_journal-4025	119	24	masters	master	NOUN
american_scientific_journal-4025	119	25	others	other	NOUN
american_scientific_journal-4025	119	26	literate	literate	ADJ
american_scientific_journal-4025	119	27	slc	slc	PROPN
american_scientific_journal-4025	119	28	atm	atm	PROPN
american_scientific_journal-4025	119	29	/	/	SYM
american_scientific_journal-4025	119	30	debit	debit	NOUN
american_scientific_journal-4025	119	31	card	card	NOUN
american_scientific_journal-4025	119	32	85.70	85.70	NUM
american_scientific_journal-4025	119	33	96.70	96.70	NUM
american_scientific_journal-4025	119	34	94.10	94.10	NUM
american_scientific_journal-4025	119	35	97.40	97.40	NUM
american_scientific_journal-4025	119	36	93.80	93.80	NUM
american_scientific_journal-4025	119	37	100.00	100.00	NUM
american_scientific_journal-4025	119	38	credit	credit	NOUN
american_scientific_journal-4025	119	39	card	card	NOUN
american_scientific_journal-4025	119	40	21.4.00	21.4.00	NUM
american_scientific_journal-4025	119	41	16.7.00	16.7.00	NUM
american_scientific_journal-4025	119	42	17.6.00	17.6.00	NUM
american_scientific_journal-4025	119	43	26.3.00	26.3.00	NUM
american_scientific_journal-4025	119	44	6.2.00	6.2.00	NUM
american_scientific_journal-4025	119	45	internet	internet	NOUN
american_scientific_journal-4025	119	46	banking	bank	VERB
american_scientific_journal-4025	119	47	28.60	28.60	NUM
american_scientific_journal-4025	119	48	33.30	33.30	NUM
american_scientific_journal-4025	119	49	41.20	41.20	NUM
american_scientific_journal-4025	119	50	34.20	34.20	NUM
american_scientific_journal-4025	119	51	12.50	12.50	NUM
american_scientific_journal-4025	119	52	37.50	37.50	NUM
american_scientific_journal-4025	119	53	service	service	NOUN
american_scientific_journal-4025	119	54	mobile	mobile	ADJ
american_scientific_journal-4025	119	55	banking	banking	NOUN
american_scientific_journal-4025	119	56	35.70	35.70	NUM
american_scientific_journal-4025	119	57	13.30	13.30	NUM
american_scientific_journal-4025	119	58	38.20	38.20	NUM
american_scientific_journal-4025	119	59	26.30	26.30	NUM
american_scientific_journal-4025	119	60	25.00	25.00	NUM
american_scientific_journal-4025	119	61	25.00	25.00	NUM
american_scientific_journal-4025	119	62	service	service	NOUN
american_scientific_journal-4025	119	63	mobile	mobile	ADJ
american_scientific_journal-4025	119	64	cash	cash	NOUN
american_scientific_journal-4025	119	65	7.10	7.10	NUM
american_scientific_journal-4025	119	66	6.70	6.70	NUM
american_scientific_journal-4025	119	67	11.80	11.80	NUM
american_scientific_journal-4025	119	68	2.60	2.60	NUM
american_scientific_journal-4025	119	69	12.50	12.50	NUM
american_scientific_journal-4025	119	70	12.50	12.50	NUM
american_scientific_journal-4025	119	71	manual	manual	ADJ
american_scientific_journal-4025	119	72	deposit	deposit	NOUN
american_scientific_journal-4025	119	73	92.90	92.90	NUM
american_scientific_journal-4025	119	74	100.00	100.00	NUM
american_scientific_journal-4025	119	75	97.10	97.10	NUM
american_scientific_journal-4025	119	76	92.10	92.10	NUM
american_scientific_journal-4025	119	77	87.50	87.50	NUM
american_scientific_journal-4025	119	78	100.00	100.00	NUM
american_scientific_journal-4025	119	79	manual	manual	NOUN
american_scientific_journal-4025	119	80	78.00	78.00	NUM
american_scientific_journal-4025	119	81	90.00	90.00	NUM
american_scientific_journal-4025	119	82	79.40	79.40	NUM
american_scientific_journal-4025	119	83	84.20	84.20	NUM
american_scientific_journal-4025	119	84	56.20	56.20	NUM
american_scientific_journal-4025	119	85	100.00	100.00	NUM
american_scientific_journal-4025	119	86	withdrawal	withdrawal	NOUN
american_scientific_journal-4025	119	87	all	all	PRON
american_scientific_journal-4025	119	88	of	of	ADP
american_scientific_journal-4025	119	89	above	above	ADP
american_scientific_journal-4025	119	90	6.20	6.20	NUM
american_scientific_journal-4025	119	91	table	table	NOUN
american_scientific_journal-4025	119	92	5	5	NUM
american_scientific_journal-4025	119	93	states	state	NOUN
american_scientific_journal-4025	119	94	about	about	ADP
american_scientific_journal-4025	119	95	the	the	DET
american_scientific_journal-4025	119	96	relation	relation	NOUN
american_scientific_journal-4025	119	97	between	between	ADP
american_scientific_journal-4025	119	98	the	the	DET
american_scientific_journal-4025	119	99	literacy	literacy	NOUN
american_scientific_journal-4025	119	100	of	of	ADP
american_scientific_journal-4025	119	101	respondents	respondent	NOUN
american_scientific_journal-4025	119	102	and	and	CCONJ
american_scientific_journal-4025	119	103	service	service	NOUN
american_scientific_journal-4025	119	104	they	they	PRON
american_scientific_journal-4025	119	105	enjoy	enjoy	VERB
american_scientific_journal-4025	119	106	.	.	PUNCT
american_scientific_journal-4025	120	1	here	here	ADV
american_scientific_journal-4025	120	2	the	the	DET
american_scientific_journal-4025	120	3	percentage	percentage	NOUN
american_scientific_journal-4025	120	4	represent	represent	VERB
american_scientific_journal-4025	120	5	about	about	ADP
american_scientific_journal-4025	120	6	the	the	DET
american_scientific_journal-4025	120	7	service	service	NOUN
american_scientific_journal-4025	120	8	enjoy	enjoy	NOUN
american_scientific_journal-4025	120	9	by	by	ADP
american_scientific_journal-4025	120	10	the	the	DET
american_scientific_journal-4025	120	11	respondents	respondent	NOUN
american_scientific_journal-4025	120	12	.	.	PUNCT
american_scientific_journal-4025	121	1	other	other	ADJ
american_scientific_journal-4025	121	2	education	education	NOUN
american_scientific_journal-4025	121	3	qualification	qualification	NOUN
american_scientific_journal-4025	121	4	includes	include	VERB
american_scientific_journal-4025	121	5	illiterate	illiterate	ADJ
american_scientific_journal-4025	121	6	respondent	respondent	NOUN
american_scientific_journal-4025	121	7	as	as	ADV
american_scientific_journal-4025	121	8	well	well	ADV
american_scientific_journal-4025	121	9	as	as	ADP
american_scientific_journal-4025	121	10	special	special	ADJ
american_scientific_journal-4025	121	11	education	education	NOUN
american_scientific_journal-4025	121	12	qualification	qualification	NOUN
american_scientific_journal-4025	121	13	.	.	PUNCT
american_scientific_journal-4025	122	1	the	the	DET
american_scientific_journal-4025	122	2	ict	ict	PROPN
american_scientific_journal-4025	122	3	services	service	NOUN
american_scientific_journal-4025	122	4	provided	provide	VERB
american_scientific_journal-4025	122	5	by	by	ADP
american_scientific_journal-4025	122	6	the	the	DET
american_scientific_journal-4025	122	7	nepalese	nepalese	ADJ
american_scientific_journal-4025	122	8	commercial	commercial	ADJ
american_scientific_journal-4025	122	9	banks	bank	NOUN
american_scientific_journal-4025	122	10	are	be	AUX
american_scientific_journal-4025	122	11	described	describe	VERB
american_scientific_journal-4025	122	12	with	with	ADP
american_scientific_journal-4025	122	13	the	the	DET
american_scientific_journal-4025	122	14	help	help	NOUN
american_scientific_journal-4025	122	15	of	of	ADP
american_scientific_journal-4025	122	16	table	table	NOUN
american_scientific_journal-4025	122	17	4.6	4.6	NUM
american_scientific_journal-4025	122	18	.	.	PUNCT
american_scientific_journal-4025	123	1	among	among	ADP
american_scientific_journal-4025	123	2	different	different	ADJ
american_scientific_journal-4025	123	3	commercial	commercial	ADJ
american_scientific_journal-4025	123	4	banks	bank	NOUN
american_scientific_journal-4025	123	5	all	all	DET
american_scientific_journal-4025	123	6	the	the	DET
american_scientific_journal-4025	123	7	banks	bank	NOUN
american_scientific_journal-4025	123	8	provide	provide	VERB
american_scientific_journal-4025	123	9	debit	debit	NOUN
american_scientific_journal-4025	123	10	/	/	SYM
american_scientific_journal-4025	123	11	atm	atm	NOUN
american_scientific_journal-4025	123	12	card	card	NOUN
american_scientific_journal-4025	123	13	service	service	NOUN
american_scientific_journal-4025	123	14	.	.	PUNCT
american_scientific_journal-4025	124	1	it	it	PRON
american_scientific_journal-4025	124	2	state	state	VERB
american_scientific_journal-4025	124	3	that	that	DET
american_scientific_journal-4025	124	4	debit	debit	NOUN
american_scientific_journal-4025	124	5	/	/	SYM
american_scientific_journal-4025	124	6	atm	atm	NOUN
american_scientific_journal-4025	125	1	card	card	NOUN
american_scientific_journal-4025	125	2	is	be	AUX
american_scientific_journal-4025	125	3	essential	essential	ADJ
american_scientific_journal-4025	125	4	service	service	NOUN
american_scientific_journal-4025	125	5	that	that	PRON
american_scientific_journal-4025	125	6	need	need	VERB
american_scientific_journal-4025	125	7	to	to	PART
american_scientific_journal-4025	125	8	provide	provide	VERB
american_scientific_journal-4025	125	9	by	by	ADP
american_scientific_journal-4025	125	10	every	every	DET
american_scientific_journal-4025	125	11	financial	financial	ADJ
american_scientific_journal-4025	125	12	institutions	institution	NOUN
american_scientific_journal-4025	125	13	.	.	PUNCT
american_scientific_journal-4025	126	1	similarly	similarly	ADV
american_scientific_journal-4025	126	2	,	,	PUNCT
american_scientific_journal-4025	126	3	82	82	NUM
american_scientific_journal-4025	126	4	percent	percent	NOUN
american_scientific_journal-4025	126	5	of	of	ADP
american_scientific_journal-4025	126	6	commercial	commercial	ADJ
american_scientific_journal-4025	126	7	banks	bank	NOUN
american_scientific_journal-4025	126	8	provide	provide	VERB
american_scientific_journal-4025	126	9	credit	credit	NOUN
american_scientific_journal-4025	126	10	card	card	NOUN
american_scientific_journal-4025	126	11	facility	facility	NOUN
american_scientific_journal-4025	126	12	.	.	PUNCT
american_scientific_journal-4025	127	1	it	it	PRON
american_scientific_journal-4025	127	2	means	mean	VERB
american_scientific_journal-4025	127	3	that	that	SCONJ
american_scientific_journal-4025	127	4	most	most	ADJ
american_scientific_journal-4025	127	5	of	of	ADP
american_scientific_journal-4025	127	6	the	the	DET
american_scientific_journal-4025	127	7	banks	bank	NOUN
american_scientific_journal-4025	127	8	are	be	AUX
american_scientific_journal-4025	127	9	providing	provide	VERB
american_scientific_journal-4025	127	10	credit	credit	NOUN
american_scientific_journal-4025	127	11	card	card	NOUN
american_scientific_journal-4025	127	12	facility	facility	NOUN
american_scientific_journal-4025	127	13	in	in	ADP
american_scientific_journal-4025	127	14	order	order	NOUN
american_scientific_journal-4025	127	15	to	to	PART
american_scientific_journal-4025	127	16	retain	retain	VERB
american_scientific_journal-4025	127	17	their	their	PRON
american_scientific_journal-4025	127	18	customers	customer	NOUN
american_scientific_journal-4025	127	19	and	and	CCONJ
american_scientific_journal-4025	127	20	helps	help	VERB
american_scientific_journal-4025	127	21	in	in	ADP
american_scientific_journal-4025	127	22	increasing	increase	VERB
american_scientific_journal-4025	127	23	the	the	DET
american_scientific_journal-4025	127	24	purchasing	purchase	VERB
american_scientific_journal-4025	127	25	power	power	NOUN
american_scientific_journal-4025	127	26	of	of	ADP
american_scientific_journal-4025	127	27	american	american	ADJ
american_scientific_journal-4025	127	28	scientific	scientific	ADJ
american_scientific_journal-4025	127	29	research	research	NOUN
american_scientific_journal-4025	127	30	journal	journal	NOUN
american_scientific_journal-4025	127	31	for	for	ADP
american_scientific_journal-4025	127	32	engineering	engineering	NOUN
american_scientific_journal-4025	127	33	,	,	PUNCT
american_scientific_journal-4025	127	34	technology	technology	NOUN
american_scientific_journal-4025	127	35	,	,	PUNCT
american_scientific_journal-4025	127	36	and	and	CCONJ
american_scientific_journal-4025	127	37	sciences	science	NOUN
american_scientific_journal-4025	127	38	(	(	PUNCT
american_scientific_journal-4025	127	39	asrjets	asrjet	NOUN
american_scientific_journal-4025	127	40	)	)	PUNCT
american_scientific_journal-4025	127	41	(	(	PUNCT
american_scientific_journal-4025	127	42	2018	2018	NUM
american_scientific_journal-4025	127	43	)	)	PUNCT
american_scientific_journal-4025	127	44	volume	volume	NOUN
american_scientific_journal-4025	127	45	42	42	NUM
american_scientific_journal-4025	127	46	,	,	PUNCT
american_scientific_journal-4025	127	47	no	no	DET
american_scientific_journal-4025	127	48	1	1	NUM
american_scientific_journal-4025	127	49	,	,	PUNCT
american_scientific_journal-4025	127	50	pp	pp	ADV
american_scientific_journal-4025	127	51	75	75	NUM
american_scientific_journal-4025	127	52	-	-	SYM
american_scientific_journal-4025	127	53	88	88	NUM
american_scientific_journal-4025	127	54	83	83	NUM
american_scientific_journal-4025	127	55	customers	customer	NOUN
american_scientific_journal-4025	127	56	as	as	ADV
american_scientific_journal-4025	127	57	well	well	ADV
american_scientific_journal-4025	127	58	as	as	ADP
american_scientific_journal-4025	127	59	to	to	PART
american_scientific_journal-4025	127	60	lend	lend	VERB
american_scientific_journal-4025	127	61	in	in	ADP
american_scientific_journal-4025	127	62	some	some	DET
american_scientific_journal-4025	127	63	extend	extend	NOUN
american_scientific_journal-4025	127	64	.	.	PUNCT
american_scientific_journal-4025	128	1	among	among	ADP
american_scientific_journal-4025	128	2	different	different	ADJ
american_scientific_journal-4025	128	3	commercial	commercial	ADJ
american_scientific_journal-4025	128	4	banks	bank	NOUN
american_scientific_journal-4025	128	5	all	all	DET
american_scientific_journal-4025	128	6	the	the	DET
american_scientific_journal-4025	128	7	banks	bank	NOUN
american_scientific_journal-4025	128	8	provide	provide	VERB
american_scientific_journal-4025	128	9	internet	internet	NOUN
american_scientific_journal-4025	128	10	banking	banking	NOUN
american_scientific_journal-4025	128	11	service	service	NOUN
american_scientific_journal-4025	128	12	.	.	PUNCT
american_scientific_journal-4025	129	1	it	it	PRON
american_scientific_journal-4025	129	2	state	state	VERB
american_scientific_journal-4025	129	3	that	that	SCONJ
american_scientific_journal-4025	129	4	in	in	ADP
american_scientific_journal-4025	129	5	today	today	NOUN
american_scientific_journal-4025	129	6	’s	’s	PART
american_scientific_journal-4025	129	7	concern	concern	NOUN
american_scientific_journal-4025	129	8	internet	internet	NOUN
american_scientific_journal-4025	129	9	banking	banking	NOUN
american_scientific_journal-4025	129	10	service	service	NOUN
american_scientific_journal-4025	129	11	is	be	AUX
american_scientific_journal-4025	129	12	essential	essential	ADJ
american_scientific_journal-4025	129	13	tools	tool	NOUN
american_scientific_journal-4025	129	14	to	to	PART
american_scientific_journal-4025	129	15	attract	attract	VERB
american_scientific_journal-4025	129	16	and	and	CCONJ
american_scientific_journal-4025	129	17	serve	serve	VERB
american_scientific_journal-4025	129	18	the	the	DET
american_scientific_journal-4025	129	19	customers	customer	NOUN
american_scientific_journal-4025	129	20	.	.	PUNCT
american_scientific_journal-4025	130	1	table	table	NOUN
american_scientific_journal-4025	130	2	6	6	NUM
american_scientific_journal-4025	130	3	:	:	PUNCT
american_scientific_journal-4025	130	4	ict	ict	PROPN
american_scientific_journal-4025	130	5	services	service	NOUN
american_scientific_journal-4025	130	6	provided	provide	VERB
american_scientific_journal-4025	130	7	by	by	ADP
american_scientific_journal-4025	130	8	commercial	commercial	ADJ
american_scientific_journal-4025	130	9	bank	bank	NOUN
american_scientific_journal-4025	130	10	ict	ict	PROPN
american_scientific_journal-4025	130	11	services	service	NOUN
american_scientific_journal-4025	131	1	yes	yes	INTJ
american_scientific_journal-4025	131	2	no	no	DET
american_scientific_journal-4025	131	3	atm	atm	NOUN
american_scientific_journal-4025	131	4	/	/	SYM
american_scientific_journal-4025	131	5	debit	debit	NOUN
american_scientific_journal-4025	131	6	card	card	NOUN
american_scientific_journal-4025	131	7	100.00	100.00	NUM
american_scientific_journal-4025	131	8	credit	credit	NOUN
american_scientific_journal-4025	131	9	card	card	NOUN
american_scientific_journal-4025	131	10	84.00	84.00	NUM
american_scientific_journal-4025	131	11	16.00	16.00	NUM
american_scientific_journal-4025	131	12	internet	internet	NOUN
american_scientific_journal-4025	131	13	banking	bank	VERB
american_scientific_journal-4025	131	14	100.00	100.00	NUM
american_scientific_journal-4025	131	15	mobile	mobile	ADJ
american_scientific_journal-4025	131	16	banking	banking	NOUN
american_scientific_journal-4025	131	17	98.00	98.00	NUM
american_scientific_journal-4025	131	18	2.00	2.00	NUM
american_scientific_journal-4025	131	19	mobile	mobile	ADJ
american_scientific_journal-4025	131	20	cash	cash	NOUN
american_scientific_journal-4025	131	21	80.00	80.00	NUM
american_scientific_journal-4025	131	22	20.00	20.00	NUM
american_scientific_journal-4025	131	23	others	other	NOUN
american_scientific_journal-4025	131	24	90.00	90.00	NUM
american_scientific_journal-4025	131	25	10.00	10.00	NUM
american_scientific_journal-4025	131	26	all	all	PRON
american_scientific_journal-4025	131	27	of	of	ADP
american_scientific_journal-4025	131	28	above	above	ADP
american_scientific_journal-4025	131	29	78.00	78.00	NUM
american_scientific_journal-4025	131	30	22.00	22.00	NUM
american_scientific_journal-4025	131	31	similarly	similarly	ADV
american_scientific_journal-4025	131	32	,	,	PUNCT
american_scientific_journal-4025	131	33	about	about	ADV
american_scientific_journal-4025	131	34	98	98	NUM
american_scientific_journal-4025	131	35	percent	percent	NOUN
american_scientific_journal-4025	131	36	of	of	ADP
american_scientific_journal-4025	131	37	commercial	commercial	ADJ
american_scientific_journal-4025	131	38	banks	bank	NOUN
american_scientific_journal-4025	131	39	provide	provide	VERB
american_scientific_journal-4025	131	40	mobile	mobile	ADJ
american_scientific_journal-4025	131	41	banking	banking	NOUN
american_scientific_journal-4025	131	42	service	service	NOUN
american_scientific_journal-4025	131	43	to	to	ADP
american_scientific_journal-4025	131	44	their	their	PRON
american_scientific_journal-4025	131	45	valued	value	VERB
american_scientific_journal-4025	131	46	clients	client	NOUN
american_scientific_journal-4025	131	47	.	.	PUNCT
american_scientific_journal-4025	132	1	it	it	PRON
american_scientific_journal-4025	132	2	means	mean	VERB
american_scientific_journal-4025	132	3	that	that	SCONJ
american_scientific_journal-4025	132	4	time	time	NOUN
american_scientific_journal-4025	132	5	is	be	AUX
american_scientific_journal-4025	132	6	crucial	crucial	ADJ
american_scientific_journal-4025	132	7	factors	factor	NOUN
american_scientific_journal-4025	132	8	so	so	SCONJ
american_scientific_journal-4025	132	9	anytime	anytime	ADV
american_scientific_journal-4025	132	10	and	and	CCONJ
american_scientific_journal-4025	132	11	anywhere	anywhere	ADV
american_scientific_journal-4025	132	12	customer	customer	NOUN
american_scientific_journal-4025	132	13	uses	use	VERB
american_scientific_journal-4025	132	14	their	their	PRON
american_scientific_journal-4025	132	15	service	service	NOUN
american_scientific_journal-4025	132	16	to	to	PART
american_scientific_journal-4025	132	17	share	share	VERB
american_scientific_journal-4025	132	18	the	the	DET
american_scientific_journal-4025	132	19	information	information	NOUN
american_scientific_journal-4025	132	20	.	.	PUNCT
american_scientific_journal-4025	133	1	from	from	ADP
american_scientific_journal-4025	133	2	the	the	DET
american_scientific_journal-4025	133	3	respondent	respondent	ADJ
american_scientific_journal-4025	133	4	information	information	NOUN
american_scientific_journal-4025	133	5	it	it	PRON
american_scientific_journal-4025	133	6	state	state	VERB
american_scientific_journal-4025	133	7	that	that	SCONJ
american_scientific_journal-4025	133	8	about	about	ADV
american_scientific_journal-4025	133	9	78	78	NUM
american_scientific_journal-4025	133	10	percent	percent	NOUN
american_scientific_journal-4025	133	11	of	of	ADP
american_scientific_journal-4025	133	12	commercial	commercial	ADJ
american_scientific_journal-4025	133	13	banks	bank	NOUN
american_scientific_journal-4025	133	14	provide	provide	VERB
american_scientific_journal-4025	133	15	mobile	mobile	ADJ
american_scientific_journal-4025	133	16	cash	cash	NOUN
american_scientific_journal-4025	133	17	service	service	NOUN
american_scientific_journal-4025	133	18	.	.	PUNCT
american_scientific_journal-4025	134	1	mobile	mobile	ADJ
american_scientific_journal-4025	134	2	cash	cash	NOUN
american_scientific_journal-4025	134	3	makes	make	VERB
american_scientific_journal-4025	134	4	ease	ease	NOUN
american_scientific_journal-4025	134	5	to	to	ADP
american_scientific_journal-4025	134	6	the	the	DET
american_scientific_journal-4025	134	7	clients	client	NOUN
american_scientific_journal-4025	134	8	for	for	ADP
american_scientific_journal-4025	134	9	the	the	DET
american_scientific_journal-4025	134	10	utility	utility	NOUN
american_scientific_journal-4025	134	11	service	service	NOUN
american_scientific_journal-4025	134	12	like	like	ADP
american_scientific_journal-4025	134	13	mobile	mobile	ADJ
american_scientific_journal-4025	134	14	recharge	recharge	NOUN
american_scientific_journal-4025	134	15	,	,	PUNCT
american_scientific_journal-4025	134	16	shopping	shopping	NOUN
american_scientific_journal-4025	134	17	,	,	PUNCT
american_scientific_journal-4025	134	18	account	account	NOUN
american_scientific_journal-4025	134	19	transfer	transfer	NOUN
american_scientific_journal-4025	134	20	.	.	PUNCT
american_scientific_journal-4025	135	1	from	from	ADP
american_scientific_journal-4025	135	2	the	the	DET
american_scientific_journal-4025	135	3	respondents	respondent	NOUN
american_scientific_journal-4025	135	4	information	information	NOUN
american_scientific_journal-4025	135	5	about	about	ADV
american_scientific_journal-4025	135	6	90	90	NUM
american_scientific_journal-4025	135	7	percent	percent	NOUN
american_scientific_journal-4025	135	8	of	of	ADP
american_scientific_journal-4025	135	9	commercial	commercial	ADJ
american_scientific_journal-4025	135	10	banks	bank	NOUN
american_scientific_journal-4025	135	11	provide	provide	VERB
american_scientific_journal-4025	135	12	other	other	ADJ
american_scientific_journal-4025	135	13	ict	ict	NOUN
american_scientific_journal-4025	135	14	services	service	NOUN
american_scientific_journal-4025	135	15	like	like	ADP
american_scientific_journal-4025	135	16	utility	utility	NOUN
american_scientific_journal-4025	135	17	bill	bill	NOUN
american_scientific_journal-4025	135	18	payments	payment	NOUN
american_scientific_journal-4025	135	19	,	,	PUNCT
american_scientific_journal-4025	135	20	l	l	NOUN
american_scientific_journal-4025	135	21	/	/	SYM
american_scientific_journal-4025	135	22	c	c	PROPN
american_scientific_journal-4025	135	23	,	,	PUNCT
american_scientific_journal-4025	135	24	bank	bank	NOUN
american_scientific_journal-4025	135	25	guarantees	guarantee	NOUN
american_scientific_journal-4025	135	26	,	,	PUNCT
american_scientific_journal-4025	135	27	forward	forward	ADJ
american_scientific_journal-4025	135	28	contracts	contract	NOUN
american_scientific_journal-4025	135	29	and	and	CCONJ
american_scientific_journal-4025	135	30	swift	swift	NOUN
american_scientific_journal-4025	135	31	.	.	PUNCT
american_scientific_journal-4025	136	1	likewise	likewise	ADV
american_scientific_journal-4025	136	2	,	,	PUNCT
american_scientific_journal-4025	136	3	about	about	ADV
american_scientific_journal-4025	136	4	78	78	NUM
american_scientific_journal-4025	136	5	percent	percent	NOUN
american_scientific_journal-4025	136	6	of	of	ADP
american_scientific_journal-4025	136	7	commercial	commercial	ADJ
american_scientific_journal-4025	136	8	banks	bank	NOUN
american_scientific_journal-4025	136	9	provide	provide	VERB
american_scientific_journal-4025	136	10	all	all	DET
american_scientific_journal-4025	136	11	most	most	ADJ
american_scientific_journal-4025	136	12	all	all	PRON
american_scientific_journal-4025	136	13	services	service	NOUN
american_scientific_journal-4025	136	14	that	that	PRON
american_scientific_journal-4025	136	15	stated	state	VERB
american_scientific_journal-4025	136	16	above	above	ADV
american_scientific_journal-4025	136	17	.	.	PUNCT
american_scientific_journal-4025	137	1	every	every	DET
american_scientific_journal-4025	137	2	service	service	NOUN
american_scientific_journal-4025	137	3	were	be	AUX
american_scientific_journal-4025	137	4	crucial	crucial	ADJ
american_scientific_journal-4025	137	5	and	and	CCONJ
american_scientific_journal-4025	137	6	necessity	necessity	NOUN
american_scientific_journal-4025	137	7	in	in	ADP
american_scientific_journal-4025	137	8	their	their	PRON
american_scientific_journal-4025	137	9	own	own	ADJ
american_scientific_journal-4025	137	10	respect	respect	NOUN
american_scientific_journal-4025	137	11	,	,	PUNCT
american_scientific_journal-4025	137	12	as	as	ADP
american_scientific_journal-4025	137	13	per	per	ADP
american_scientific_journal-4025	137	14	the	the	DET
american_scientific_journal-4025	137	15	customers	customer	NOUN
american_scientific_journal-4025	137	16	demand	demand	NOUN
american_scientific_journal-4025	137	17	,	,	PUNCT
american_scientific_journal-4025	137	18	competitiveness	competitiveness	NOUN
american_scientific_journal-4025	137	19	,	,	PUNCT
american_scientific_journal-4025	137	20	retaining	retain	VERB
american_scientific_journal-4025	137	21	the	the	DET
american_scientific_journal-4025	137	22	existing	exist	VERB
american_scientific_journal-4025	137	23	customers	customer	NOUN
american_scientific_journal-4025	137	24	and	and	CCONJ
american_scientific_journal-4025	137	25	attracting	attract	VERB
american_scientific_journal-4025	137	26	potential	potential	ADJ
american_scientific_journal-4025	137	27	customers	customer	NOUN
american_scientific_journal-4025	137	28	banks	bank	NOUN
american_scientific_journal-4025	137	29	are	be	AUX
american_scientific_journal-4025	137	30	seeks	seek	VERB
american_scientific_journal-4025	137	31	to	to	PART
american_scientific_journal-4025	137	32	serve	serve	VERB
american_scientific_journal-4025	137	33	their	their	PRON
american_scientific_journal-4025	137	34	valued	value	VERB
american_scientific_journal-4025	137	35	clients	client	NOUN
american_scientific_journal-4025	137	36	by	by	ADP
american_scientific_journal-4025	137	37	offering	offer	VERB
american_scientific_journal-4025	137	38	such	such	ADJ
american_scientific_journal-4025	137	39	services	service	NOUN
american_scientific_journal-4025	137	40	where	where	SCONJ
american_scientific_journal-4025	137	41	ict	ict	PROPN
american_scientific_journal-4025	137	42	plays	play	VERB
american_scientific_journal-4025	137	43	dominant	dominant	ADJ
american_scientific_journal-4025	137	44	role	role	NOUN
american_scientific_journal-4025	137	45	in	in	ADP
american_scientific_journal-4025	137	46	fulfilling	fulfil	VERB
american_scientific_journal-4025	137	47	such	such	ADJ
american_scientific_journal-4025	137	48	requirements	requirement	NOUN
american_scientific_journal-4025	137	49	.	.	PUNCT
american_scientific_journal-4025	138	1	table	table	NOUN
american_scientific_journal-4025	138	2	7	7	NUM
american_scientific_journal-4025	138	3	reveals	reveal	VERB
american_scientific_journal-4025	138	4	that	that	SCONJ
american_scientific_journal-4025	138	5	atm	atm	NOUN
american_scientific_journal-4025	138	6	/	/	SYM
american_scientific_journal-4025	138	7	debit	debit	NOUN
american_scientific_journal-4025	138	8	card	card	NOUN
american_scientific_journal-4025	138	9	service	service	NOUN
american_scientific_journal-4025	138	10	and	and	CCONJ
american_scientific_journal-4025	138	11	manual	manual	ADJ
american_scientific_journal-4025	138	12	deposit	deposit	NOUN
american_scientific_journal-4025	138	13	is	be	AUX
american_scientific_journal-4025	138	14	made	make	VERB
american_scientific_journal-4025	138	15	by	by	ADP
american_scientific_journal-4025	138	16	all	all	PRON
american_scientific_journal-4025	138	17	most	most	ADJ
american_scientific_journal-4025	138	18	all	all	PRON
american_scientific_journal-4025	138	19	of	of	ADP
american_scientific_journal-4025	138	20	the	the	DET
american_scientific_journal-4025	138	21	customers	customer	NOUN
american_scientific_journal-4025	138	22	.	.	PUNCT
american_scientific_journal-4025	139	1	but	but	CCONJ
american_scientific_journal-4025	139	2	manual	manual	ADJ
american_scientific_journal-4025	139	3	withdrawal	withdrawal	NOUN
american_scientific_journal-4025	139	4	made	make	VERB
american_scientific_journal-4025	139	5	by	by	ADP
american_scientific_journal-4025	139	6	customers	customer	NOUN
american_scientific_journal-4025	139	7	is	be	AUX
american_scientific_journal-4025	139	8	81	81	NUM
american_scientific_journal-4025	139	9	%	%	NOUN
american_scientific_journal-4025	139	10	which	which	PRON
american_scientific_journal-4025	139	11	is	be	AUX
american_scientific_journal-4025	139	12	relatively	relatively	ADV
american_scientific_journal-4025	139	13	lower	low	ADJ
american_scientific_journal-4025	139	14	than	than	ADP
american_scientific_journal-4025	139	15	use	use	NOUN
american_scientific_journal-4025	139	16	of	of	ADP
american_scientific_journal-4025	139	17	debit	debit	NOUN
american_scientific_journal-4025	139	18	/	/	SYM
american_scientific_journal-4025	139	19	atm	atm	NOUN
american_scientific_journal-4025	139	20	cards	card	NOUN
american_scientific_journal-4025	139	21	.	.	PUNCT
american_scientific_journal-4025	140	1	mobile	mobile	ADJ
american_scientific_journal-4025	140	2	cash	cash	NOUN
american_scientific_journal-4025	140	3	and	and	CCONJ
american_scientific_journal-4025	140	4	all	all	DET
american_scientific_journal-4025	140	5	the	the	DET
american_scientific_journal-4025	140	6	service	service	NOUN
american_scientific_journal-4025	140	7	offered	offer	VERB
american_scientific_journal-4025	140	8	by	by	ADP
american_scientific_journal-4025	140	9	bank	bank	NOUN
american_scientific_journal-4025	140	10	enjoying	enjoy	VERB
american_scientific_journal-4025	140	11	customers	customer	NOUN
american_scientific_journal-4025	140	12	are	be	AUX
american_scientific_journal-4025	140	13	really	really	ADV
american_scientific_journal-4025	140	14	low	low	ADJ
american_scientific_journal-4025	140	15	enough	enough	ADV
american_scientific_journal-4025	140	16	.	.	PUNCT
american_scientific_journal-4025	141	1	internet	internet	NOUN
american_scientific_journal-4025	141	2	banking	banking	NOUN
american_scientific_journal-4025	141	3	service	service	NOUN
american_scientific_journal-4025	141	4	,	,	PUNCT
american_scientific_journal-4025	141	5	credit	credit	NOUN
american_scientific_journal-4025	141	6	card	card	NOUN
american_scientific_journal-4025	141	7	facility	facility	NOUN
american_scientific_journal-4025	141	8	and	and	CCONJ
american_scientific_journal-4025	141	9	mobile	mobile	ADJ
american_scientific_journal-4025	141	10	banking	banking	NOUN
american_scientific_journal-4025	141	11	service	service	NOUN
american_scientific_journal-4025	141	12	enjoying	enjoy	VERB
american_scientific_journal-4025	141	13	customers	customer	NOUN
american_scientific_journal-4025	141	14	are	be	AUX
american_scientific_journal-4025	141	15	low	low	ADJ
american_scientific_journal-4025	141	16	average	average	ADJ
american_scientific_journal-4025	141	17	.	.	PUNCT
american_scientific_journal-4025	142	1	american	american	ADJ
american_scientific_journal-4025	142	2	scientific	scientific	ADJ
american_scientific_journal-4025	142	3	research	research	PROPN
american_scientific_journal-4025	142	4	journal	journal	NOUN
american_scientific_journal-4025	142	5	for	for	ADP
american_scientific_journal-4025	142	6	engineering	engineering	NOUN
american_scientific_journal-4025	142	7	,	,	PUNCT
american_scientific_journal-4025	142	8	technology	technology	NOUN
american_scientific_journal-4025	142	9	,	,	PUNCT
american_scientific_journal-4025	142	10	and	and	CCONJ
american_scientific_journal-4025	142	11	sciences	science	NOUN
american_scientific_journal-4025	142	12	(	(	PUNCT
american_scientific_journal-4025	142	13	asrjets	asrjet	NOUN
american_scientific_journal-4025	142	14	)	)	PUNCT
american_scientific_journal-4025	142	15	(	(	PUNCT
american_scientific_journal-4025	142	16	2018	2018	NUM
american_scientific_journal-4025	142	17	)	)	PUNCT
american_scientific_journal-4025	142	18	volume	volume	NOUN
american_scientific_journal-4025	142	19	42	42	NUM
american_scientific_journal-4025	142	20	,	,	PUNCT
american_scientific_journal-4025	142	21	no	no	DET
american_scientific_journal-4025	142	22	1	1	NUM
american_scientific_journal-4025	142	23	,	,	PUNCT
american_scientific_journal-4025	142	24	pp	pp	ADV
american_scientific_journal-4025	142	25	75	75	NUM
american_scientific_journal-4025	142	26	-	-	SYM
american_scientific_journal-4025	142	27	88	88	NUM
american_scientific_journal-4025	142	28	84	84	NUM
american_scientific_journal-4025	142	29	table	table	NOUN
american_scientific_journal-4025	142	30	7	7	NUM
american_scientific_journal-4025	142	31	:	:	PUNCT
american_scientific_journal-4025	142	32	types	type	NOUN
american_scientific_journal-4025	142	33	of	of	ADP
american_scientific_journal-4025	142	34	service	service	NOUN
american_scientific_journal-4025	142	35	enjoying	enjoy	VERB
american_scientific_journal-4025	142	36	by	by	ADP
american_scientific_journal-4025	142	37	the	the	DET
american_scientific_journal-4025	142	38	customers	customer	NOUN
american_scientific_journal-4025	142	39	types	type	NOUN
american_scientific_journal-4025	142	40	of	of	ADP
american_scientific_journal-4025	142	41	service	service	NOUN
american_scientific_journal-4025	143	1	yes	yes	INTJ
american_scientific_journal-4025	143	2	no	no	DET
american_scientific_journal-4025	143	3	atm	atm	NOUN
american_scientific_journal-4025	143	4	/	/	SYM
american_scientific_journal-4025	143	5	debit	debit	NOUN
american_scientific_journal-4025	143	6	card	card	NOUN
american_scientific_journal-4025	143	7	95.00	95.00	NUM
american_scientific_journal-4025	143	8	5.00	5.00	NUM
american_scientific_journal-4025	143	9	credit	credit	NOUN
american_scientific_journal-4025	143	10	card	card	NOUN
american_scientific_journal-4025	143	11	18.00	18.00	NUM
american_scientific_journal-4025	143	12	82.00	82.00	NUM
american_scientific_journal-4025	143	13	internet	internet	NOUN
american_scientific_journal-4025	143	14	banking	banking	NOUN
american_scientific_journal-4025	143	15	service	service	NOUN
american_scientific_journal-4025	143	16	33.00	33.00	NUM
american_scientific_journal-4025	143	17	67.00	67.00	NUM
american_scientific_journal-4025	143	18	mobile	mobile	ADJ
american_scientific_journal-4025	143	19	banking	banking	NOUN
american_scientific_journal-4025	143	20	service	service	NOUN
american_scientific_journal-4025	143	21	27.00	27.00	NUM
american_scientific_journal-4025	143	22	73.00	73.00	NUM
american_scientific_journal-4025	143	23	mobile	mobile	ADJ
american_scientific_journal-4025	143	24	cash	cash	NOUN
american_scientific_journal-4025	143	25	8.00	8.00	NUM
american_scientific_journal-4025	143	26	92.00	92.00	NUM
american_scientific_journal-4025	143	27	manual	manual	ADJ
american_scientific_journal-4025	143	28	deposit	deposit	NOUN
american_scientific_journal-4025	143	29	100.00	100.00	NUM
american_scientific_journal-4025	143	30	manual	manual	NOUN
american_scientific_journal-4025	143	31	withdrawal	withdrawal	NOUN
american_scientific_journal-4025	143	32	81.00	81.00	NUM
american_scientific_journal-4025	143	33	9.00	9.00	NUM
american_scientific_journal-4025	143	34	all	all	PRON
american_scientific_journal-4025	143	35	of	of	ADP
american_scientific_journal-4025	143	36	above	above	ADP
american_scientific_journal-4025	143	37	2.00	2.00	NUM
american_scientific_journal-4025	143	38	98.00	98.00	NUM
american_scientific_journal-4025	143	39	the	the	DET
american_scientific_journal-4025	143	40	best	good	ADJ
american_scientific_journal-4025	143	41	services	service	NOUN
american_scientific_journal-4025	143	42	that	that	PRON
american_scientific_journal-4025	143	43	respondents	respondent	NOUN
american_scientific_journal-4025	143	44	’	'	PUNCT
american_scientific_journal-4025	143	45	feel	feel	VERB
american_scientific_journal-4025	143	46	among	among	ADP
american_scientific_journal-4025	143	47	the	the	DET
american_scientific_journal-4025	143	48	different	different	ADJ
american_scientific_journal-4025	143	49	ict	ict	NOUN
american_scientific_journal-4025	143	50	service	service	NOUN
american_scientific_journal-4025	143	51	were	be	AUX
american_scientific_journal-4025	143	52	explained	explain	VERB
american_scientific_journal-4025	143	53	by	by	ADP
american_scientific_journal-4025	143	54	table	table	NOUN
american_scientific_journal-4025	143	55	8	8	NUM
american_scientific_journal-4025	143	56	table	table	NOUN
american_scientific_journal-4025	143	57	8	8	NUM
american_scientific_journal-4025	143	58	:	:	PUNCT
american_scientific_journal-4025	143	59	best	good	ADJ
american_scientific_journal-4025	143	60	service	service	NOUN
american_scientific_journal-4025	143	61	in	in	ADP
american_scientific_journal-4025	143	62	reaction	reaction	NOUN
american_scientific_journal-4025	143	63	of	of	ADP
american_scientific_journal-4025	143	64	customers	customer	NOUN
american_scientific_journal-4025	143	65	types	type	NOUN
american_scientific_journal-4025	143	66	of	of	ADP
american_scientific_journal-4025	143	67	service	service	NOUN
american_scientific_journal-4025	143	68	percent	percent	NOUN
american_scientific_journal-4025	143	69	atm	atm	NOUN
american_scientific_journal-4025	143	70	/	/	SYM
american_scientific_journal-4025	143	71	debit	debit	NOUN
american_scientific_journal-4025	143	72	card	card	NOUN
american_scientific_journal-4025	143	73	88.60	88.60	NUM
american_scientific_journal-4025	143	74	credit	credit	NOUN
american_scientific_journal-4025	143	75	card	card	NOUN
american_scientific_journal-4025	143	76	1.40	1.40	NUM
american_scientific_journal-4025	143	77	internet	internet	NOUN
american_scientific_journal-4025	143	78	banking	banking	NOUN
american_scientific_journal-4025	143	79	service	service	NOUN
american_scientific_journal-4025	143	80	8.60	8.60	NUM
american_scientific_journal-4025	143	81	manual	manual	ADJ
american_scientific_journal-4025	143	82	deposit	deposit	NOUN
american_scientific_journal-4025	143	83	1.40	1.40	NUM
american_scientific_journal-4025	143	84	among	among	ADP
american_scientific_journal-4025	143	85	different	different	ADJ
american_scientific_journal-4025	143	86	services	service	NOUN
american_scientific_journal-4025	143	87	debit	debit	NOUN
american_scientific_journal-4025	143	88	/	/	SYM
american_scientific_journal-4025	143	89	atm	atm	NOUN
american_scientific_journal-4025	143	90	card	card	NOUN
american_scientific_journal-4025	143	91	,	,	PUNCT
american_scientific_journal-4025	143	92	credit	credit	NOUN
american_scientific_journal-4025	143	93	card	card	NOUN
american_scientific_journal-4025	143	94	,	,	PUNCT
american_scientific_journal-4025	143	95	internet	internet	NOUN
american_scientific_journal-4025	143	96	banking	banking	NOUN
american_scientific_journal-4025	143	97	and	and	CCONJ
american_scientific_journal-4025	143	98	manual	manual	ADJ
american_scientific_journal-4025	143	99	service	service	NOUN
american_scientific_journal-4025	143	100	are	be	AUX
american_scientific_journal-4025	143	101	in	in	ADP
american_scientific_journal-4025	143	102	best	good	ADJ
american_scientific_journal-4025	143	103	service	service	NOUN
american_scientific_journal-4025	143	104	that	that	PRON
american_scientific_journal-4025	143	105	the	the	DET
american_scientific_journal-4025	143	106	customers	customer	NOUN
american_scientific_journal-4025	143	107	feel	feel	VERB
american_scientific_journal-4025	143	108	.	.	PUNCT
american_scientific_journal-4025	144	1	among	among	ADP
american_scientific_journal-4025	144	2	them	they	PRON
american_scientific_journal-4025	144	3	also	also	ADV
american_scientific_journal-4025	144	4	debit	debit	VERB
american_scientific_journal-4025	144	5	/	/	SYM
american_scientific_journal-4025	144	6	atm	atm	NOUN
american_scientific_journal-4025	144	7	card	card	NOUN
american_scientific_journal-4025	144	8	service	service	NOUN
american_scientific_journal-4025	144	9	is	be	AUX
american_scientific_journal-4025	144	10	best	good	ADJ
american_scientific_journal-4025	144	11	among	among	ADP
american_scientific_journal-4025	144	12	best	good	ADJ
american_scientific_journal-4025	144	13	service	service	NOUN
american_scientific_journal-4025	144	14	for	for	ADP
american_scientific_journal-4025	144	15	the	the	DET
american_scientific_journal-4025	144	16	customers	customer	NOUN
american_scientific_journal-4025	144	17	where	where	SCONJ
american_scientific_journal-4025	144	18	approx	approx	NOUN
american_scientific_journal-4025	144	19	.	.	PUNCT
american_scientific_journal-4025	145	1	89	89	NUM
american_scientific_journal-4025	145	2	percent	percent	NOUN
american_scientific_journal-4025	145	3	of	of	ADP
american_scientific_journal-4025	145	4	customer	customer	NOUN
american_scientific_journal-4025	145	5	goes	go	VERB
american_scientific_journal-4025	145	6	with	with	ADP
american_scientific_journal-4025	145	7	it	it	PRON
american_scientific_journal-4025	145	8	.	.	PUNCT
american_scientific_journal-4025	146	1	though	though	SCONJ
american_scientific_journal-4025	146	2	manual	manual	ADJ
american_scientific_journal-4025	146	3	deposit	deposit	NOUN
american_scientific_journal-4025	146	4	is	be	AUX
american_scientific_journal-4025	146	5	not	not	PART
american_scientific_journal-4025	146	6	the	the	DET
american_scientific_journal-4025	146	7	ict	ict	NOUN
american_scientific_journal-4025	146	8	service	service	NOUN
american_scientific_journal-4025	146	9	but	but	CCONJ
american_scientific_journal-4025	146	10	customers	customer	NOUN
american_scientific_journal-4025	146	11	prefer	prefer	VERB
american_scientific_journal-4025	146	12	it	it	PRON
american_scientific_journal-4025	146	13	because	because	SCONJ
american_scientific_journal-4025	146	14	of	of	ADP
american_scientific_journal-4025	146	15	its	its	PRON
american_scientific_journal-4025	146	16	essentiality	essentiality	NOUN
american_scientific_journal-4025	146	17	.	.	PUNCT
american_scientific_journal-4025	147	1	american	american	ADJ
american_scientific_journal-4025	147	2	scientific	scientific	ADJ
american_scientific_journal-4025	147	3	research	research	PROPN
american_scientific_journal-4025	147	4	journal	journal	NOUN
american_scientific_journal-4025	147	5	for	for	ADP
american_scientific_journal-4025	147	6	engineering	engineering	NOUN
american_scientific_journal-4025	147	7	,	,	PUNCT
american_scientific_journal-4025	147	8	technology	technology	NOUN
american_scientific_journal-4025	147	9	,	,	PUNCT
american_scientific_journal-4025	147	10	and	and	CCONJ
american_scientific_journal-4025	147	11	sciences	science	NOUN
american_scientific_journal-4025	147	12	(	(	PUNCT
american_scientific_journal-4025	147	13	asrjets	asrjet	NOUN
american_scientific_journal-4025	147	14	)	)	PUNCT
american_scientific_journal-4025	147	15	(	(	PUNCT
american_scientific_journal-4025	147	16	2018	2018	NUM
american_scientific_journal-4025	147	17	)	)	PUNCT
american_scientific_journal-4025	147	18	volume	volume	NOUN
american_scientific_journal-4025	147	19	42	42	NUM
american_scientific_journal-4025	147	20	,	,	PUNCT
american_scientific_journal-4025	147	21	no	no	DET
american_scientific_journal-4025	147	22	1	1	NUM
american_scientific_journal-4025	147	23	,	,	PUNCT
american_scientific_journal-4025	147	24	pp	pp	ADV
american_scientific_journal-4025	147	25	75	75	NUM
american_scientific_journal-4025	147	26	-	-	SYM
american_scientific_journal-4025	147	27	88	88	NUM
american_scientific_journal-4025	147	28	85	85	NUM
american_scientific_journal-4025	147	29	4	4	NUM
american_scientific_journal-4025	147	30	.	.	PUNCT
american_scientific_journal-4025	147	31	discussion	discussion	NOUN
american_scientific_journal-4025	147	32	the	the	DET
american_scientific_journal-4025	147	33	research	research	NOUN
american_scientific_journal-4025	147	34	mainly	mainly	ADV
american_scientific_journal-4025	147	35	signifies	signify	VERB
american_scientific_journal-4025	147	36	to	to	ADP
american_scientific_journal-4025	147	37	the	the	DET
american_scientific_journal-4025	147	38	existing	exist	VERB
american_scientific_journal-4025	147	39	stakeholders	stakeholder	NOUN
american_scientific_journal-4025	147	40	who	who	PRON
american_scientific_journal-4025	147	41	are	be	AUX
american_scientific_journal-4025	147	42	directly	directly	ADV
american_scientific_journal-4025	147	43	in	in	ADP
american_scientific_journal-4025	147	44	touch	touch	NOUN
american_scientific_journal-4025	147	45	with	with	ADP
american_scientific_journal-4025	147	46	the	the	DET
american_scientific_journal-4025	147	47	information	information	NOUN
american_scientific_journal-4025	147	48	communication	communication	NOUN
american_scientific_journal-4025	147	49	and	and	CCONJ
american_scientific_journal-4025	147	50	technology	technology	NOUN
american_scientific_journal-4025	147	51	.	.	PUNCT
american_scientific_journal-4025	148	1	this	this	DET
american_scientific_journal-4025	148	2	study	study	NOUN
american_scientific_journal-4025	148	3	will	will	AUX
american_scientific_journal-4025	148	4	also	also	ADV
american_scientific_journal-4025	148	5	be	be	AUX
american_scientific_journal-4025	148	6	equally	equally	ADV
american_scientific_journal-4025	148	7	significant	significant	ADJ
american_scientific_journal-4025	148	8	to	to	ADP
american_scientific_journal-4025	148	9	the	the	DET
american_scientific_journal-4025	148	10	central	central	ADJ
american_scientific_journal-4025	148	11	bank	bank	NOUN
american_scientific_journal-4025	148	12	,	,	PUNCT
american_scientific_journal-4025	148	13	other	other	ADJ
american_scientific_journal-4025	148	14	financial	financial	ADJ
american_scientific_journal-4025	148	15	institution	institution	NOUN
american_scientific_journal-4025	148	16	to	to	PART
american_scientific_journal-4025	148	17	know	know	VERB
american_scientific_journal-4025	148	18	the	the	DET
american_scientific_journal-4025	148	19	impact	impact	NOUN
american_scientific_journal-4025	148	20	of	of	ADP
american_scientific_journal-4025	148	21	implementation	implementation	NOUN
american_scientific_journal-4025	148	22	of	of	ADP
american_scientific_journal-4025	148	23	ict	ict	NOUN
american_scientific_journal-4025	148	24	in	in	ADP
american_scientific_journal-4025	148	25	banking	banking	NOUN
american_scientific_journal-4025	148	26	sectors	sector	NOUN
american_scientific_journal-4025	148	27	.	.	PUNCT
american_scientific_journal-4025	149	1	it	it	PRON
american_scientific_journal-4025	149	2	also	also	ADV
american_scientific_journal-4025	149	3	helps	help	VERB
american_scientific_journal-4025	149	4	to	to	PART
american_scientific_journal-4025	149	5	formulate	formulate	VERB
american_scientific_journal-4025	149	6	the	the	DET
american_scientific_journal-4025	149	7	policy	policy	NOUN
american_scientific_journal-4025	149	8	to	to	ADP
american_scientific_journal-4025	149	9	the	the	DET
american_scientific_journal-4025	149	10	central	central	ADJ
american_scientific_journal-4025	149	11	bank	bank	NOUN
american_scientific_journal-4025	149	12	regarding	regard	VERB
american_scientific_journal-4025	149	13	its	its	PRON
american_scientific_journal-4025	149	14	scopes	scope	NOUN
american_scientific_journal-4025	149	15	.	.	PUNCT
american_scientific_journal-4025	150	1	there	there	PRON
american_scientific_journal-4025	150	2	are	be	VERB
american_scientific_journal-4025	150	3	certain	certain	ADJ
american_scientific_journal-4025	150	4	loopholes	loophole	NOUN
american_scientific_journal-4025	150	5	related	relate	VERB
american_scientific_journal-4025	150	6	with	with	ADP
american_scientific_journal-4025	150	7	the	the	DET
american_scientific_journal-4025	150	8	ict	ict	NOUN
american_scientific_journal-4025	150	9	while	while	SCONJ
american_scientific_journal-4025	150	10	flow	flow	NOUN
american_scientific_journal-4025	150	11	of	of	ADP
american_scientific_journal-4025	150	12	information	information	NOUN
american_scientific_journal-4025	150	13	inbetween	inbetween	PROPN
american_scientific_journal-4025	150	14	customers	customer	NOUN
american_scientific_journal-4025	150	15	,	,	PUNCT
american_scientific_journal-4025	150	16	management	management	NOUN
american_scientific_journal-4025	150	17	themselves	themselves	PRON
american_scientific_journal-4025	150	18	and	and	CCONJ
american_scientific_journal-4025	150	19	their	their	PRON
american_scientific_journal-4025	150	20	shareholders	shareholder	NOUN
american_scientific_journal-4025	150	21	.	.	PUNCT
american_scientific_journal-4025	151	1	in	in	ADP
american_scientific_journal-4025	151	2	order	order	NOUN
american_scientific_journal-4025	151	3	to	to	PART
american_scientific_journal-4025	151	4	address	address	VERB
american_scientific_journal-4025	151	5	those	those	DET
american_scientific_journal-4025	151	6	problems	problem	NOUN
american_scientific_journal-4025	151	7	this	this	DET
american_scientific_journal-4025	151	8	study	study	NOUN
american_scientific_journal-4025	151	9	will	will	AUX
american_scientific_journal-4025	151	10	help	help	VERB
american_scientific_journal-4025	151	11	by	by	ADP
american_scientific_journal-4025	151	12	showing	show	VERB
american_scientific_journal-4025	151	13	the	the	DET
american_scientific_journal-4025	151	14	views	view	NOUN
american_scientific_journal-4025	151	15	of	of	ADP
american_scientific_journal-4025	151	16	existing	exist	VERB
american_scientific_journal-4025	151	17	customers	customer	NOUN
american_scientific_journal-4025	151	18	and	and	CCONJ
american_scientific_journal-4025	151	19	potential	potential	ADJ
american_scientific_journal-4025	151	20	customers	customer	NOUN
american_scientific_journal-4025	151	21	.	.	PUNCT
american_scientific_journal-4025	152	1	along	along	ADP
american_scientific_journal-4025	152	2	with	with	ADP
american_scientific_journal-4025	152	3	the	the	DET
american_scientific_journal-4025	152	4	organization	organization	NOUN
american_scientific_journal-4025	152	5	perspective	perspective	NOUN
american_scientific_journal-4025	152	6	,	,	PUNCT
american_scientific_journal-4025	152	7	for	for	ADP
american_scientific_journal-4025	152	8	the	the	DET
american_scientific_journal-4025	152	9	researchers	researcher	NOUN
american_scientific_journal-4025	152	10	also	also	ADV
american_scientific_journal-4025	152	11	it	it	PRON
american_scientific_journal-4025	152	12	helps	help	VERB
american_scientific_journal-4025	152	13	to	to	PART
american_scientific_journal-4025	152	14	guide	guide	VERB
american_scientific_journal-4025	152	15	to	to	PART
american_scientific_journal-4025	152	16	know	know	VERB
american_scientific_journal-4025	152	17	about	about	ADP
american_scientific_journal-4025	152	18	the	the	DET
american_scientific_journal-4025	152	19	current	current	ADJ
american_scientific_journal-4025	152	20	status	status	NOUN
american_scientific_journal-4025	152	21	of	of	ADP
american_scientific_journal-4025	152	22	the	the	DET
american_scientific_journal-4025	152	23	ict	ict	NOUN
american_scientific_journal-4025	152	24	and	and	CCONJ
american_scientific_journal-4025	152	25	its	its	PRON
american_scientific_journal-4025	152	26	importance	importance	NOUN
american_scientific_journal-4025	152	27	in	in	ADP
american_scientific_journal-4025	152	28	real	real	ADJ
american_scientific_journal-4025	152	29	business	business	NOUN
american_scientific_journal-4025	152	30	field	field	NOUN
american_scientific_journal-4025	152	31	of	of	ADP
american_scientific_journal-4025	152	32	economy	economy	NOUN
american_scientific_journal-4025	152	33	.	.	PUNCT
american_scientific_journal-4025	153	1	this	this	DET
american_scientific_journal-4025	153	2	report	report	NOUN
american_scientific_journal-4025	153	3	covers	cover	VERB
american_scientific_journal-4025	153	4	both	both	CCONJ
american_scientific_journal-4025	153	5	financial	financial	ADJ
american_scientific_journal-4025	153	6	and	and	CCONJ
american_scientific_journal-4025	153	7	technical	technical	ADJ
american_scientific_journal-4025	153	8	area	area	NOUN
american_scientific_journal-4025	153	9	of	of	ADP
american_scientific_journal-4025	153	10	study	study	NOUN
american_scientific_journal-4025	153	11	so	so	SCONJ
american_scientific_journal-4025	153	12	technical	technical	ADJ
american_scientific_journal-4025	153	13	jargons	jargon	NOUN
american_scientific_journal-4025	153	14	used	use	VERB
american_scientific_journal-4025	153	15	herewith	herewith	NOUN
american_scientific_journal-4025	153	16	may	may	AUX
american_scientific_journal-4025	153	17	be	be	AUX
american_scientific_journal-4025	153	18	ambiguous	ambiguous	ADJ
american_scientific_journal-4025	153	19	to	to	ADP
american_scientific_journal-4025	153	20	non	non	ADJ
american_scientific_journal-4025	153	21	-	-	ADJ
american_scientific_journal-4025	153	22	technical	technical	ADJ
american_scientific_journal-4025	153	23	readers	reader	NOUN
american_scientific_journal-4025	153	24	.	.	PUNCT
american_scientific_journal-4025	154	1	as	as	SCONJ
american_scientific_journal-4025	154	2	mention	mention	NOUN
american_scientific_journal-4025	154	3	before	before	ADP
american_scientific_journal-4025	154	4	due	due	ADP
american_scientific_journal-4025	154	5	to	to	PART
american_scientific_journal-4025	154	6	lack	lack	NOUN
american_scientific_journal-4025	154	7	of	of	ADP
american_scientific_journal-4025	154	8	availability	availability	NOUN
american_scientific_journal-4025	154	9	of	of	ADP
american_scientific_journal-4025	154	10	time	time	NOUN
american_scientific_journal-4025	154	11	the	the	DET
american_scientific_journal-4025	154	12	research	research	NOUN
american_scientific_journal-4025	154	13	design	design	NOUN
american_scientific_journal-4025	154	14	and	and	CCONJ
american_scientific_journal-4025	154	15	study	study	NOUN
american_scientific_journal-4025	154	16	are	be	AUX
american_scientific_journal-4025	154	17	residing	reside	VERB
american_scientific_journal-4025	154	18	within	within	ADP
american_scientific_journal-4025	154	19	the	the	DET
american_scientific_journal-4025	154	20	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	154	21	valley	valley	NOUN
american_scientific_journal-4025	154	22	.	.	PUNCT
american_scientific_journal-4025	155	1	it	it	PRON
american_scientific_journal-4025	155	2	became	become	VERB
american_scientific_journal-4025	155	3	very	very	ADV
american_scientific_journal-4025	155	4	difficult	difficult	ADJ
american_scientific_journal-4025	155	5	to	to	PART
american_scientific_journal-4025	155	6	collect	collect	VERB
american_scientific_journal-4025	155	7	some	some	PRON
american_scientific_journal-4025	155	8	of	of	ADP
american_scientific_journal-4025	155	9	the	the	DET
american_scientific_journal-4025	155	10	important	important	ADJ
american_scientific_journal-4025	155	11	data	datum	NOUN
american_scientific_journal-4025	155	12	because	because	SCONJ
american_scientific_journal-4025	155	13	of	of	ADP
american_scientific_journal-4025	155	14	the	the	DET
american_scientific_journal-4025	155	15	policy	policy	NOUN
american_scientific_journal-4025	155	16	of	of	ADP
american_scientific_journal-4025	155	17	the	the	DET
american_scientific_journal-4025	155	18	bank	bank	NOUN
american_scientific_journal-4025	155	19	.	.	PUNCT
american_scientific_journal-4025	156	1	they	they	PRON
american_scientific_journal-4025	156	2	did	do	AUX
american_scientific_journal-4025	156	3	not	not	PART
american_scientific_journal-4025	156	4	give	give	VERB
american_scientific_journal-4025	156	5	some	some	DET
american_scientific_journal-4025	156	6	information	information	NOUN
american_scientific_journal-4025	156	7	about	about	ADP
american_scientific_journal-4025	156	8	some	some	DET
american_scientific_journal-4025	156	9	facts	fact	NOUN
american_scientific_journal-4025	156	10	about	about	ADP
american_scientific_journal-4025	156	11	ict	ict	PROPN
american_scientific_journal-4025	156	12	,	,	PUNCT
american_scientific_journal-4025	156	13	as	as	SCONJ
american_scientific_journal-4025	156	14	it	it	PRON
american_scientific_journal-4025	156	15	was	be	AUX
american_scientific_journal-4025	156	16	very	very	ADV
american_scientific_journal-4025	156	17	confidential	confidential	ADJ
american_scientific_journal-4025	156	18	for	for	ADP
american_scientific_journal-4025	156	19	the	the	DET
american_scientific_journal-4025	156	20	bank	bank	NOUN
american_scientific_journal-4025	156	21	.	.	PUNCT
american_scientific_journal-4025	157	1	it	it	PRON
american_scientific_journal-4025	157	2	became	become	VERB
american_scientific_journal-4025	157	3	very	very	ADV
american_scientific_journal-4025	157	4	difficult	difficult	ADJ
american_scientific_journal-4025	157	5	for	for	SCONJ
american_scientific_journal-4025	157	6	us	we	PRON
american_scientific_journal-4025	157	7	to	to	PART
american_scientific_journal-4025	157	8	collect	collect	VERB
american_scientific_journal-4025	157	9	the	the	DET
american_scientific_journal-4025	157	10	correct	correct	ADJ
american_scientific_journal-4025	157	11	data	datum	NOUN
american_scientific_journal-4025	157	12	during	during	ADP
american_scientific_journal-4025	157	13	the	the	DET
american_scientific_journal-4025	157	14	survey	survey	NOUN
american_scientific_journal-4025	157	15	.	.	PUNCT
american_scientific_journal-4025	158	1	i	i	PRON
american_scientific_journal-4025	158	2	found	find	VERB
american_scientific_journal-4025	158	3	some	some	PRON
american_scientific_journal-4025	158	4	of	of	ADP
american_scientific_journal-4025	158	5	the	the	DET
american_scientific_journal-4025	158	6	respondents	respondent	NOUN
american_scientific_journal-4025	158	7	were	be	AUX
american_scientific_journal-4025	158	8	not	not	PART
american_scientific_journal-4025	158	9	much	much	ADV
american_scientific_journal-4025	158	10	serious	serious	ADJ
american_scientific_journal-4025	158	11	with	with	ADP
american_scientific_journal-4025	158	12	the	the	DET
american_scientific_journal-4025	158	13	questionnaire	questionnaire	NOUN
american_scientific_journal-4025	158	14	.	.	PUNCT
american_scientific_journal-4025	159	1	although	although	SCONJ
american_scientific_journal-4025	159	2	i	i	PRON
american_scientific_journal-4025	159	3	have	have	AUX
american_scientific_journal-4025	159	4	tried	try	VERB
american_scientific_journal-4025	159	5	to	to	PART
american_scientific_journal-4025	159	6	avoid	avoid	VERB
american_scientific_journal-4025	159	7	the	the	DET
american_scientific_journal-4025	159	8	bias	bias	NOUN
american_scientific_journal-4025	159	9	during	during	ADP
american_scientific_journal-4025	159	10	the	the	DET
american_scientific_journal-4025	159	11	preparation	preparation	NOUN
american_scientific_journal-4025	159	12	,	,	PUNCT
american_scientific_journal-4025	159	13	some	some	PRON
american_scientific_journal-4025	159	14	of	of	ADP
american_scientific_journal-4025	159	15	the	the	DET
american_scientific_journal-4025	159	16	candidates	candidate	NOUN
american_scientific_journal-4025	159	17	gave	give	VERB
american_scientific_journal-4025	159	18	the	the	DET
american_scientific_journal-4025	159	19	void	void	ADJ
american_scientific_journal-4025	159	20	information	information	NOUN
american_scientific_journal-4025	159	21	.	.	PUNCT
american_scientific_journal-4025	160	1	along	along	ADP
american_scientific_journal-4025	160	2	with	with	ADP
american_scientific_journal-4025	160	3	that	that	PRON
american_scientific_journal-4025	160	4	,	,	PUNCT
american_scientific_journal-4025	160	5	the	the	DET
american_scientific_journal-4025	160	6	bank	bank	NOUN
american_scientific_journal-4025	160	7	did	do	AUX
american_scientific_journal-4025	160	8	not	not	PART
american_scientific_journal-4025	160	9	give	give	VERB
american_scientific_journal-4025	160	10	any	any	DET
american_scientific_journal-4025	160	11	information	information	NOUN
american_scientific_journal-4025	160	12	about	about	ADP
american_scientific_journal-4025	160	13	the	the	DET
american_scientific_journal-4025	160	14	type	type	NOUN
american_scientific_journal-4025	160	15	of	of	ADP
american_scientific_journal-4025	160	16	technology	technology	NOUN
american_scientific_journal-4025	160	17	,	,	PUNCT
american_scientific_journal-4025	160	18	machine	machine	NOUN
american_scientific_journal-4025	160	19	and	and	CCONJ
american_scientific_journal-4025	160	20	software	software	NOUN
american_scientific_journal-4025	160	21	imported	import	VERB
american_scientific_journal-4025	160	22	from	from	ADP
american_scientific_journal-4025	160	23	abroad	abroad	ADV
american_scientific_journal-4025	160	24	because	because	SCONJ
american_scientific_journal-4025	160	25	of	of	ADP
american_scientific_journal-4025	160	26	secrecy	secrecy	NOUN
american_scientific_journal-4025	160	27	purpose	purpose	NOUN
american_scientific_journal-4025	160	28	.	.	PUNCT
american_scientific_journal-4025	161	1	this	this	DET
american_scientific_journal-4025	161	2	research	research	NOUN
american_scientific_journal-4025	161	3	explores	explore	VERB
american_scientific_journal-4025	161	4	the	the	DET
american_scientific_journal-4025	161	5	banking	banking	NOUN
american_scientific_journal-4025	161	6	sector	sector	NOUN
american_scientific_journal-4025	161	7	using	use	VERB
american_scientific_journal-4025	161	8	the	the	DET
american_scientific_journal-4025	161	9	information	information	NOUN
american_scientific_journal-4025	161	10	and	and	CCONJ
american_scientific_journal-4025	161	11	technology	technology	NOUN
american_scientific_journal-4025	161	12	.	.	PUNCT
american_scientific_journal-4025	162	1	the	the	DET
american_scientific_journal-4025	162	2	study	study	NOUN
american_scientific_journal-4025	162	3	helps	help	VERB
american_scientific_journal-4025	162	4	to	to	PART
american_scientific_journal-4025	162	5	provide	provide	VERB
american_scientific_journal-4025	162	6	the	the	DET
american_scientific_journal-4025	162	7	information	information	NOUN
american_scientific_journal-4025	162	8	about	about	ADP
american_scientific_journal-4025	162	9	the	the	DET
american_scientific_journal-4025	162	10	corns	corn	NOUN
american_scientific_journal-4025	162	11	and	and	CCONJ
american_scientific_journal-4025	162	12	pros	pro	NOUN
american_scientific_journal-4025	162	13	of	of	ADP
american_scientific_journal-4025	162	14	using	use	VERB
american_scientific_journal-4025	162	15	information	information	NOUN
american_scientific_journal-4025	162	16	and	and	CCONJ
american_scientific_journal-4025	162	17	communication	communication	NOUN
american_scientific_journal-4025	162	18	technology	technology	NOUN
american_scientific_journal-4025	162	19	in	in	ADP
american_scientific_journal-4025	162	20	the	the	DET
american_scientific_journal-4025	162	21	present	present	ADJ
american_scientific_journal-4025	162	22	context	context	NOUN
american_scientific_journal-4025	162	23	of	of	ADP
american_scientific_journal-4025	162	24	nepalese	nepalese	ADJ
american_scientific_journal-4025	162	25	banking	banking	NOUN
american_scientific_journal-4025	162	26	sector	sector	NOUN
american_scientific_journal-4025	162	27	.	.	PUNCT
american_scientific_journal-4025	163	1	the	the	DET
american_scientific_journal-4025	163	2	study	study	NOUN
american_scientific_journal-4025	163	3	can	can	AUX
american_scientific_journal-4025	163	4	also	also	ADV
american_scientific_journal-4025	163	5	help	help	VERB
american_scientific_journal-4025	163	6	to	to	ADP
american_scientific_journal-4025	163	7	those	those	DET
american_scientific_journal-4025	163	8	new	new	ADJ
american_scientific_journal-4025	163	9	emerging	emerge	VERB
american_scientific_journal-4025	163	10	banks	bank	NOUN
american_scientific_journal-4025	163	11	to	to	PART
american_scientific_journal-4025	163	12	gain	gain	VERB
american_scientific_journal-4025	163	13	the	the	DET
american_scientific_journal-4025	163	14	knowledge	knowledge	NOUN
american_scientific_journal-4025	163	15	about	about	ADP
american_scientific_journal-4025	163	16	the	the	DET
american_scientific_journal-4025	163	17	ict	ict	NOUN
american_scientific_journal-4025	163	18	in	in	ADP
american_scientific_journal-4025	163	19	nepal	nepal	NOUN
american_scientific_journal-4025	163	20	and	and	CCONJ
american_scientific_journal-4025	163	21	how	how	SCONJ
american_scientific_journal-4025	163	22	it	it	PRON
american_scientific_journal-4025	163	23	has	have	AUX
american_scientific_journal-4025	163	24	been	be	AUX
american_scientific_journal-4025	163	25	used	use	VERB
american_scientific_journal-4025	163	26	in	in	ADP
american_scientific_journal-4025	163	27	banking	banking	NOUN
american_scientific_journal-4025	163	28	sector	sector	NOUN
american_scientific_journal-4025	163	29	.	.	PUNCT
american_scientific_journal-4025	164	1	thus	thus	ADV
american_scientific_journal-4025	164	2	,	,	PUNCT
american_scientific_journal-4025	164	3	the	the	DET
american_scientific_journal-4025	164	4	finding	finding	NOUN
american_scientific_journal-4025	164	5	of	of	ADP
american_scientific_journal-4025	164	6	the	the	DET
american_scientific_journal-4025	164	7	study	study	NOUN
american_scientific_journal-4025	164	8	can	can	AUX
american_scientific_journal-4025	164	9	be	be	AUX
american_scientific_journal-4025	164	10	replicated	replicate	VERB
american_scientific_journal-4025	164	11	to	to	ADP
american_scientific_journal-4025	164	12	other	other	ADJ
american_scientific_journal-4025	164	13	banks	bank	NOUN
american_scientific_journal-4025	164	14	and	and	CCONJ
american_scientific_journal-4025	164	15	the	the	DET
american_scientific_journal-4025	164	16	banks	bank	NOUN
american_scientific_journal-4025	164	17	will	will	AUX
american_scientific_journal-4025	164	18	be	be	AUX
american_scientific_journal-4025	164	19	aware	aware	ADJ
american_scientific_journal-4025	164	20	about	about	ADP
american_scientific_journal-4025	164	21	the	the	DET
american_scientific_journal-4025	164	22	current	current	ADJ
american_scientific_journal-4025	164	23	status	status	NOUN
american_scientific_journal-4025	164	24	of	of	ADP
american_scientific_journal-4025	164	25	use	use	NOUN
american_scientific_journal-4025	164	26	of	of	ADP
american_scientific_journal-4025	164	27	ict	ict	PROPN
american_scientific_journal-4025	164	28	.	.	PUNCT
american_scientific_journal-4025	165	1	through	through	ADP
american_scientific_journal-4025	165	2	the	the	DET
american_scientific_journal-4025	165	3	knowledge	knowledge	NOUN
american_scientific_journal-4025	165	4	of	of	ADP
american_scientific_journal-4025	165	5	ict	ict	PROPN
american_scientific_journal-4025	165	6	in	in	ADP
american_scientific_journal-4025	165	7	the	the	DET
american_scientific_journal-4025	165	8	nepalese	nepalese	ADJ
american_scientific_journal-4025	165	9	banking	banking	NOUN
american_scientific_journal-4025	165	10	sector	sector	NOUN
american_scientific_journal-4025	165	11	,	,	PUNCT
american_scientific_journal-4025	165	12	the	the	DET
american_scientific_journal-4025	165	13	customer	customer	NOUN
american_scientific_journal-4025	165	14	can	can	AUX
american_scientific_journal-4025	165	15	better	well	ADV
american_scientific_journal-4025	165	16	use	use	VERB
american_scientific_journal-4025	165	17	the	the	DET
american_scientific_journal-4025	165	18	ict	ict	PROPN
american_scientific_journal-4025	165	19	services	service	NOUN
american_scientific_journal-4025	165	20	provided	provide	VERB
american_scientific_journal-4025	165	21	by	by	ADP
american_scientific_journal-4025	165	22	the	the	DET
american_scientific_journal-4025	165	23	banks	bank	NOUN
american_scientific_journal-4025	165	24	.	.	PUNCT
american_scientific_journal-4025	166	1	5	5	X
american_scientific_journal-4025	166	2	.	.	X
american_scientific_journal-4025	166	3	conclusion	conclusion	NOUN
american_scientific_journal-4025	166	4	the	the	DET
american_scientific_journal-4025	166	5	banking	banking	NOUN
american_scientific_journal-4025	166	6	sector	sector	NOUN
american_scientific_journal-4025	166	7	has	have	AUX
american_scientific_journal-4025	166	8	been	be	AUX
american_scientific_journal-4025	166	9	booming	boom	VERB
american_scientific_journal-4025	166	10	in	in	ADP
american_scientific_journal-4025	166	11	recent	recent	ADJ
american_scientific_journal-4025	166	12	times	time	NOUN
american_scientific_journal-4025	166	13	and	and	CCONJ
american_scientific_journal-4025	166	14	the	the	DET
american_scientific_journal-4025	166	15	growth	growth	NOUN
american_scientific_journal-4025	166	16	rate	rate	NOUN
american_scientific_journal-4025	166	17	of	of	ADP
american_scientific_journal-4025	166	18	this	this	DET
american_scientific_journal-4025	166	19	sector	sector	NOUN
american_scientific_journal-4025	166	20	has	have	AUX
american_scientific_journal-4025	166	21	been	be	AUX
american_scientific_journal-4025	166	22	substantial	substantial	ADJ
american_scientific_journal-4025	166	23	.	.	PUNCT
american_scientific_journal-4025	167	1	it	it	PRON
american_scientific_journal-4025	167	2	is	be	AUX
american_scientific_journal-4025	167	3	a	a	DET
american_scientific_journal-4025	167	4	place	place	NOUN
american_scientific_journal-4025	167	5	where	where	SCONJ
american_scientific_journal-4025	167	6	the	the	DET
american_scientific_journal-4025	167	7	financial	financial	ADJ
american_scientific_journal-4025	167	8	services	service	NOUN
american_scientific_journal-4025	167	9	are	be	AUX
american_scientific_journal-4025	167	10	offered	offer	VERB
american_scientific_journal-4025	167	11	,	,	PUNCT
american_scientific_journal-4025	167	12	like	like	ADP
american_scientific_journal-4025	167	13	checking	checking	NOUN
american_scientific_journal-4025	167	14	,	,	PUNCT
american_scientific_journal-4025	167	15	saving	save	VERB
american_scientific_journal-4025	167	16	and	and	CCONJ
american_scientific_journal-4025	167	17	providing	provide	VERB
american_scientific_journal-4025	167	18	credit	credit	NOUN
american_scientific_journal-4025	167	19	to	to	ADP
american_scientific_journal-4025	167	20	the	the	DET
american_scientific_journal-4025	167	21	customers	customer	NOUN
american_scientific_journal-4025	167	22	.	.	PUNCT
american_scientific_journal-4025	168	1	in	in	ADP
american_scientific_journal-4025	168	2	the	the	DET
american_scientific_journal-4025	168	3	present	present	ADJ
american_scientific_journal-4025	168	4	context	context	NOUN
american_scientific_journal-4025	168	5	,	,	PUNCT
american_scientific_journal-4025	168	6	the	the	DET
american_scientific_journal-4025	168	7	banking	banking	NOUN
american_scientific_journal-4025	168	8	sector	sector	NOUN
american_scientific_journal-4025	168	9	is	be	AUX
american_scientific_journal-4025	168	10	booming	boom	VERB
american_scientific_journal-4025	168	11	exceptionally	exceptionally	ADV
american_scientific_journal-4025	168	12	from	from	ADP
american_scientific_journal-4025	168	13	the	the	DET
american_scientific_journal-4025	168	14	introduction	introduction	NOUN
american_scientific_journal-4025	168	15	of	of	ADP
american_scientific_journal-4025	168	16	information	information	NOUN
american_scientific_journal-4025	168	17	and	and	CCONJ
american_scientific_journal-4025	168	18	communication	communication	NOUN
american_scientific_journal-4025	168	19	and	and	CCONJ
american_scientific_journal-4025	168	20	technology	technology	NOUN
american_scientific_journal-4025	168	21	.	.	PUNCT
american_scientific_journal-4025	169	1	in	in	ADP
american_scientific_journal-4025	169	2	nepal	nepal	ADJ
american_scientific_journal-4025	169	3	,	,	PUNCT
american_scientific_journal-4025	169	4	all	all	DET
american_scientific_journal-4025	169	5	the	the	DET
american_scientific_journal-4025	169	6	banks	bank	NOUN
american_scientific_journal-4025	169	7	provide	provide	VERB
american_scientific_journal-4025	169	8	ict	ict	PROPN
american_scientific_journal-4025	169	9	services	service	NOUN
american_scientific_journal-4025	169	10	.	.	PUNCT
american_scientific_journal-4025	170	1	the	the	DET
american_scientific_journal-4025	170	2	latest	late	ADJ
american_scientific_journal-4025	170	3	banking	banking	NOUN
american_scientific_journal-4025	170	4	services	service	NOUN
american_scientific_journal-4025	170	5	like	like	ADP
american_scientific_journal-4025	170	6	e	e	NOUN
american_scientific_journal-4025	170	7	-	-	NOUN
american_scientific_journal-4025	170	8	banking	banking	NOUN
american_scientific_journal-4025	170	9	,	,	PUNCT
american_scientific_journal-4025	170	10	sms	sms	PROPN
american_scientific_journal-4025	170	11	banking	banking	PROPN
american_scientific_journal-4025	170	12	m	m	PROPN
american_scientific_journal-4025	170	13	-	-	NOUN
american_scientific_journal-4025	170	14	banking	banking	NOUN
american_scientific_journal-4025	170	15	,	,	PUNCT
american_scientific_journal-4025	170	16	utility	utility	NOUN
american_scientific_journal-4025	170	17	bills	bill	NOUN
american_scientific_journal-4025	170	18	payment	payment	NOUN
american_scientific_journal-4025	170	19	in	in	ADP
american_scientific_journal-4025	170	20	the	the	DET
american_scientific_journal-4025	170	21	country	country	NOUN
american_scientific_journal-4025	170	22	.	.	PUNCT
american_scientific_journal-4025	171	1	the	the	DET
american_scientific_journal-4025	171	2	bank	bank	NOUN
american_scientific_journal-4025	171	3	has	have	AUX
american_scientific_journal-4025	171	4	always	always	ADV
american_scientific_journal-4025	171	5	focused	focus	VERB
american_scientific_journal-4025	171	6	on	on	ADP
american_scientific_journal-4025	171	7	building	build	VERB
american_scientific_journal-4025	171	8	sound	sound	NOUN
american_scientific_journal-4025	171	9	technology	technology	NOUN
american_scientific_journal-4025	171	10	driven	drive	VERB
american_scientific_journal-4025	171	11	internal	internal	ADJ
american_scientific_journal-4025	171	12	system	system	NOUN
american_scientific_journal-4025	171	13	to	to	PART
american_scientific_journal-4025	171	14	cater	cater	VERB
american_scientific_journal-4025	171	15	the	the	DET
american_scientific_journal-4025	171	16	changing	change	VERB
american_scientific_journal-4025	171	17	needs	need	NOUN
american_scientific_journal-4025	171	18	of	of	ADP
american_scientific_journal-4025	171	19	the	the	DET
american_scientific_journal-4025	171	20	customers	customer	NOUN
american_scientific_journal-4025	171	21	that	that	PRON
american_scientific_journal-4025	171	22	enhance	enhance	VERB
american_scientific_journal-4025	171	23	high	high	ADJ
american_scientific_journal-4025	171	24	comfort	comfort	NOUN
american_scientific_journal-4025	171	25	value	value	NOUN
american_scientific_journal-4025	171	26	.	.	PUNCT
american_scientific_journal-4025	172	1	american	american	ADJ
american_scientific_journal-4025	172	2	scientific	scientific	ADJ
american_scientific_journal-4025	172	3	research	research	PROPN
american_scientific_journal-4025	172	4	journal	journal	NOUN
american_scientific_journal-4025	172	5	for	for	ADP
american_scientific_journal-4025	172	6	engineering	engineering	NOUN
american_scientific_journal-4025	172	7	,	,	PUNCT
american_scientific_journal-4025	172	8	technology	technology	NOUN
american_scientific_journal-4025	172	9	,	,	PUNCT
american_scientific_journal-4025	172	10	and	and	CCONJ
american_scientific_journal-4025	172	11	sciences	science	NOUN
american_scientific_journal-4025	172	12	(	(	PUNCT
american_scientific_journal-4025	172	13	asrjets	asrjet	NOUN
american_scientific_journal-4025	172	14	)	)	PUNCT
american_scientific_journal-4025	172	15	(	(	PUNCT
american_scientific_journal-4025	172	16	2018	2018	NUM
american_scientific_journal-4025	172	17	)	)	PUNCT
american_scientific_journal-4025	172	18	volume	volume	NOUN
american_scientific_journal-4025	172	19	42	42	NUM
american_scientific_journal-4025	172	20	,	,	PUNCT
american_scientific_journal-4025	172	21	no	no	DET
american_scientific_journal-4025	172	22	1	1	NUM
american_scientific_journal-4025	172	23	,	,	PUNCT
american_scientific_journal-4025	172	24	pp	pp	ADV
american_scientific_journal-4025	172	25	75	75	NUM
american_scientific_journal-4025	172	26	-	-	SYM
american_scientific_journal-4025	172	27	88	88	NUM
american_scientific_journal-4025	172	28	86	86	NUM
american_scientific_journal-4025	172	29	ict	ict	NOUN
american_scientific_journal-4025	172	30	is	be	AUX
american_scientific_journal-4025	172	31	central	central	ADJ
american_scientific_journal-4025	172	32	to	to	ADP
american_scientific_journal-4025	172	33	banking	banking	NOUN
american_scientific_journal-4025	172	34	.	.	PUNCT
american_scientific_journal-4025	173	1	it	it	PRON
american_scientific_journal-4025	173	2	has	have	AUX
american_scientific_journal-4025	173	3	moved	move	VERB
american_scientific_journal-4025	173	4	from	from	ADP
american_scientific_journal-4025	173	5	being	be	AUX
american_scientific_journal-4025	173	6	just	just	ADV
american_scientific_journal-4025	173	7	a	a	DET
american_scientific_journal-4025	173	8	business	business	NOUN
american_scientific_journal-4025	173	9	enabler	enabler	NOUN
american_scientific_journal-4025	173	10	to	to	ADP
american_scientific_journal-4025	173	11	being	be	AUX
american_scientific_journal-4025	173	12	a	a	DET
american_scientific_journal-4025	173	13	business	business	NOUN
american_scientific_journal-4025	173	14	driver	driver	NOUN
american_scientific_journal-4025	173	15	.	.	PUNCT
american_scientific_journal-4025	174	1	in	in	ADP
american_scientific_journal-4025	174	2	a	a	DET
american_scientific_journal-4025	174	3	manner	manner	NOUN
american_scientific_journal-4025	174	4	the	the	DET
american_scientific_journal-4025	174	5	banking	banking	NOUN
american_scientific_journal-4025	174	6	and	and	CCONJ
american_scientific_journal-4025	174	7	financial	financial	ADJ
american_scientific_journal-4025	174	8	services	service	NOUN
american_scientific_journal-4025	174	9	sector	sector	NOUN
american_scientific_journal-4025	174	10	,	,	PUNCT
american_scientific_journal-4025	174	11	being	be	AUX
american_scientific_journal-4025	174	12	the	the	DET
american_scientific_journal-4025	174	13	early	early	ADJ
american_scientific_journal-4025	174	14	adopters	adopter	NOUN
american_scientific_journal-4025	174	15	of	of	ADP
american_scientific_journal-4025	174	16	any	any	DET
american_scientific_journal-4025	174	17	new	new	ADJ
american_scientific_journal-4025	174	18	technology	technology	NOUN
american_scientific_journal-4025	174	19	defines	define	VERB
american_scientific_journal-4025	174	20	the	the	DET
american_scientific_journal-4025	174	21	roadmap	roadmap	NOUN
american_scientific_journal-4025	174	22	for	for	ADP
american_scientific_journal-4025	174	23	future	future	ADJ
american_scientific_journal-4025	174	24	technology	technology	NOUN
american_scientific_journal-4025	174	25	adoption	adoption	NOUN
american_scientific_journal-4025	174	26	.	.	PUNCT
american_scientific_journal-4025	175	1	the	the	DET
american_scientific_journal-4025	175	2	core	core	NOUN
american_scientific_journal-4025	175	3	issues	issue	NOUN
american_scientific_journal-4025	175	4	faced	face	VERB
american_scientific_journal-4025	175	5	by	by	ADP
american_scientific_journal-4025	175	6	the	the	DET
american_scientific_journal-4025	175	7	banks	bank	NOUN
american_scientific_journal-4025	175	8	today	today	NOUN
american_scientific_journal-4025	175	9	are	be	AUX
american_scientific_journal-4025	175	10	on	on	ADP
american_scientific_journal-4025	175	11	the	the	DET
american_scientific_journal-4025	175	12	fronts	front	NOUN
american_scientific_journal-4025	175	13	of	of	ADP
american_scientific_journal-4025	175	14	customer	customer	NOUN
american_scientific_journal-4025	175	15	’s	’s	PART
american_scientific_journal-4025	175	16	expectations	expectation	NOUN
american_scientific_journal-4025	175	17	,	,	PUNCT
american_scientific_journal-4025	175	18	reducing	reduce	VERB
american_scientific_journal-4025	175	19	operational	operational	ADJ
american_scientific_journal-4025	175	20	costs	cost	NOUN
american_scientific_journal-4025	175	21	,	,	PUNCT
american_scientific_journal-4025	175	22	and	and	CCONJ
american_scientific_journal-4025	175	23	managing	manage	VERB
american_scientific_journal-4025	175	24	competition	competition	NOUN
american_scientific_journal-4025	175	25	.	.	PUNCT
american_scientific_journal-4025	176	1	it	it	PRON
american_scientific_journal-4025	176	2	is	be	AUX
american_scientific_journal-4025	176	3	through	through	ADP
american_scientific_journal-4025	176	4	the	the	DET
american_scientific_journal-4025	176	5	application	application	NOUN
american_scientific_journal-4025	176	6	of	of	ADP
american_scientific_journal-4025	176	7	ict	ict	PROPN
american_scientific_journal-4025	176	8	,	,	PUNCT
american_scientific_journal-4025	176	9	we	we	PRON
american_scientific_journal-4025	176	10	can	can	AUX
american_scientific_journal-4025	176	11	reach	reach	VERB
american_scientific_journal-4025	176	12	these	these	DET
american_scientific_journal-4025	176	13	objectives	objective	NOUN
american_scientific_journal-4025	176	14	.	.	PUNCT
american_scientific_journal-4025	177	1	the	the	DET
american_scientific_journal-4025	177	2	customers	customer	NOUN
american_scientific_journal-4025	177	3	of	of	ADP
american_scientific_journal-4025	177	4	different	different	ADJ
american_scientific_journal-4025	177	5	banks	bank	NOUN
american_scientific_journal-4025	177	6	were	be	AUX
american_scientific_journal-4025	177	7	not	not	PART
american_scientific_journal-4025	177	8	seemed	seem	VERB
american_scientific_journal-4025	177	9	to	to	PART
american_scientific_journal-4025	177	10	be	be	AUX
american_scientific_journal-4025	177	11	satisfied	satisfied	ADJ
american_scientific_journal-4025	177	12	with	with	ADP
american_scientific_journal-4025	177	13	the	the	DET
american_scientific_journal-4025	177	14	ict	ict	PROPN
american_scientific_journal-4025	177	15	services	service	NOUN
american_scientific_journal-4025	177	16	provided	provide	VERB
american_scientific_journal-4025	177	17	by	by	ADP
american_scientific_journal-4025	177	18	the	the	DET
american_scientific_journal-4025	177	19	bank	bank	NOUN
american_scientific_journal-4025	177	20	.	.	PUNCT
american_scientific_journal-4025	178	1	especially	especially	ADV
american_scientific_journal-4025	178	2	,	,	PUNCT
american_scientific_journal-4025	178	3	they	they	PRON
american_scientific_journal-4025	178	4	were	be	AUX
american_scientific_journal-4025	178	5	against	against	ADP
american_scientific_journal-4025	178	6	the	the	DET
american_scientific_journal-4025	178	7	response	response	NOUN
american_scientific_journal-4025	178	8	of	of	ADP
american_scientific_journal-4025	178	9	the	the	DET
american_scientific_journal-4025	178	10	bank	bank	NOUN
american_scientific_journal-4025	178	11	towards	towards	ADP
american_scientific_journal-4025	178	12	their	their	PRON
american_scientific_journal-4025	178	13	complaints	complaint	NOUN
american_scientific_journal-4025	178	14	to	to	ADP
american_scientific_journal-4025	178	15	the	the	DET
american_scientific_journal-4025	178	16	bank	bank	NOUN
american_scientific_journal-4025	178	17	and	and	CCONJ
american_scientific_journal-4025	178	18	have	have	AUX
american_scientific_journal-4025	178	19	recommended	recommend	VERB
american_scientific_journal-4025	178	20	to	to	PART
american_scientific_journal-4025	178	21	strength	strength	VERB
american_scientific_journal-4025	178	22	their	their	PRON
american_scientific_journal-4025	178	23	ict	ict	NOUN
american_scientific_journal-4025	178	24	policy	policy	NOUN
american_scientific_journal-4025	178	25	and	and	CCONJ
american_scientific_journal-4025	178	26	to	to	PART
american_scientific_journal-4025	178	27	introduce	introduce	VERB
american_scientific_journal-4025	178	28	new	new	ADJ
american_scientific_journal-4025	178	29	ict	ict	NOUN
american_scientific_journal-4025	178	30	services	service	NOUN
american_scientific_journal-4025	178	31	.	.	PUNCT
american_scientific_journal-4025	179	1	banks	bank	NOUN
american_scientific_journal-4025	179	2	are	be	AUX
american_scientific_journal-4025	179	3	committed	commit	VERB
american_scientific_journal-4025	179	4	towards	towards	ADP
american_scientific_journal-4025	179	5	serving	serve	VERB
american_scientific_journal-4025	179	6	its	its	PRON
american_scientific_journal-4025	179	7	customer	customer	NOUN
american_scientific_journal-4025	179	8	.	.	PUNCT
american_scientific_journal-4025	180	1	they	they	PRON
american_scientific_journal-4025	180	2	serve	serve	VERB
american_scientific_journal-4025	180	3	not	not	PART
american_scientific_journal-4025	180	4	only	only	ADV
american_scientific_journal-4025	180	5	to	to	ADP
american_scientific_journal-4025	180	6	the	the	DET
american_scientific_journal-4025	180	7	people	people	NOUN
american_scientific_journal-4025	180	8	within	within	ADP
american_scientific_journal-4025	180	9	the	the	DET
american_scientific_journal-4025	180	10	boundary	boundary	NOUN
american_scientific_journal-4025	180	11	of	of	ADP
american_scientific_journal-4025	180	12	country	country	NOUN
american_scientific_journal-4025	180	13	but	but	CCONJ
american_scientific_journal-4025	180	14	also	also	ADV
american_scientific_journal-4025	180	15	abroad	abroad	ADV
american_scientific_journal-4025	180	16	.	.	PUNCT
american_scientific_journal-4025	181	1	currently	currently	ADV
american_scientific_journal-4025	181	2	32	32	NUM
american_scientific_journal-4025	181	3	commercial	commercial	ADJ
american_scientific_journal-4025	181	4	banks	bank	NOUN
american_scientific_journal-4025	181	5	are	be	AUX
american_scientific_journal-4025	181	6	operating	operate	VERB
american_scientific_journal-4025	181	7	throughout	throughout	ADP
american_scientific_journal-4025	181	8	nepal	nepal	NOUN
american_scientific_journal-4025	181	9	to	to	PART
american_scientific_journal-4025	181	10	enables	enable	VERB
american_scientific_journal-4025	181	11	its	its	PRON
american_scientific_journal-4025	181	12	customer	customer	NOUN
american_scientific_journal-4025	181	13	to	to	PART
american_scientific_journal-4025	181	14	make	make	VERB
american_scientific_journal-4025	181	15	any	any	DET
american_scientific_journal-4025	181	16	banking	banking	NOUN
american_scientific_journal-4025	181	17	transaction	transaction	NOUN
american_scientific_journal-4025	181	18	irrespective	irrespective	ADV
american_scientific_journal-4025	181	19	of	of	ADP
american_scientific_journal-4025	181	20	the	the	DET
american_scientific_journal-4025	181	21	place	place	NOUN
american_scientific_journal-4025	181	22	they	they	PRON
american_scientific_journal-4025	181	23	are	be	AUX
american_scientific_journal-4025	181	24	.	.	PUNCT
american_scientific_journal-4025	182	1	in	in	ADP
american_scientific_journal-4025	182	2	order	order	NOUN
american_scientific_journal-4025	182	3	,	,	PUNCT
american_scientific_journal-4025	182	4	to	to	PART
american_scientific_journal-4025	182	5	make	make	VERB
american_scientific_journal-4025	182	6	this	this	DET
american_scientific_journal-4025	182	7	transaction	transaction	NOUN
american_scientific_journal-4025	182	8	more	more	ADV
american_scientific_journal-4025	182	9	easy	easy	ADJ
american_scientific_journal-4025	182	10	,	,	PUNCT
american_scientific_journal-4025	182	11	time	time	NOUN
american_scientific_journal-4025	182	12	saving	saving	NOUN
american_scientific_journal-4025	182	13	and	and	CCONJ
american_scientific_journal-4025	182	14	cost	cost	NOUN
american_scientific_journal-4025	182	15	effective	effective	ADJ
american_scientific_journal-4025	182	16	,	,	PUNCT
american_scientific_journal-4025	182	17	it	it	PRON
american_scientific_journal-4025	182	18	has	have	AUX
american_scientific_journal-4025	182	19	been	be	AUX
american_scientific_journal-4025	182	20	providing	provide	VERB
american_scientific_journal-4025	182	21	ict	ict	NOUN
american_scientific_journal-4025	182	22	services	service	NOUN
american_scientific_journal-4025	182	23	to	to	ADP
american_scientific_journal-4025	182	24	its	its	PRON
american_scientific_journal-4025	182	25	valued	value	VERB
american_scientific_journal-4025	182	26	customer	customer	NOUN
american_scientific_journal-4025	182	27	.	.	PUNCT
american_scientific_journal-4025	183	1	moreover	moreover	ADV
american_scientific_journal-4025	183	2	,	,	PUNCT
american_scientific_journal-4025	183	3	the	the	DET
american_scientific_journal-4025	183	4	bank	bank	NOUN
american_scientific_journal-4025	183	5	has	have	AUX
american_scientific_journal-4025	183	6	been	be	AUX
american_scientific_journal-4025	183	7	providing	provide	VERB
american_scientific_journal-4025	183	8	different	different	ADJ
american_scientific_journal-4025	183	9	services	service	NOUN
american_scientific_journal-4025	183	10	like	like	ADP
american_scientific_journal-4025	183	11	debit	debit	NOUN
american_scientific_journal-4025	183	12	card	card	NOUN
american_scientific_journal-4025	183	13	,	,	PUNCT
american_scientific_journal-4025	183	14	atm	atm	NOUN
american_scientific_journal-4025	183	15	card	card	NOUN
american_scientific_journal-4025	183	16	,	,	PUNCT
american_scientific_journal-4025	183	17	mobile	mobile	ADJ
american_scientific_journal-4025	183	18	banking	banking	NOUN
american_scientific_journal-4025	183	19	,	,	PUNCT
american_scientific_journal-4025	183	20	mobile	mobile	ADJ
american_scientific_journal-4025	183	21	cash	cash	NOUN
american_scientific_journal-4025	183	22	,	,	PUNCT
american_scientific_journal-4025	183	23	utility	utility	NOUN
american_scientific_journal-4025	183	24	bill	bill	NOUN
american_scientific_journal-4025	183	25	payment	payment	NOUN
american_scientific_journal-4025	183	26	and	and	CCONJ
american_scientific_journal-4025	183	27	internet	internet	NOUN
american_scientific_journal-4025	183	28	banking	banking	NOUN
american_scientific_journal-4025	183	29	services	service	NOUN
american_scientific_journal-4025	183	30	in	in	ADP
american_scientific_journal-4025	183	31	the	the	DET
american_scientific_journal-4025	183	32	country	country	NOUN
american_scientific_journal-4025	183	33	.	.	PUNCT
american_scientific_journal-4025	184	1	they	they	PRON
american_scientific_journal-4025	184	2	also	also	ADV
american_scientific_journal-4025	184	3	are	be	AUX
american_scientific_journal-4025	184	4	planning	plan	VERB
american_scientific_journal-4025	184	5	to	to	PART
american_scientific_journal-4025	184	6	implement	implement	VERB
american_scientific_journal-4025	184	7	more	more	ADJ
american_scientific_journal-4025	184	8	ict	ict	NOUN
american_scientific_journal-4025	184	9	services	service	NOUN
american_scientific_journal-4025	184	10	like	like	ADP
american_scientific_journal-4025	184	11	precisely	precisely	ADV
american_scientific_journal-4025	184	12	credit	credit	NOUN
american_scientific_journal-4025	184	13	card	card	NOUN
american_scientific_journal-4025	184	14	services	service	NOUN
american_scientific_journal-4025	184	15	,	,	PUNCT
american_scientific_journal-4025	184	16	intra	intra	PROPN
american_scientific_journal-4025	184	17	bank	bank	PROPN
american_scientific_journal-4025	184	18	transaction	transaction	PROPN
american_scientific_journal-4025	184	19	services	service	NOUN
american_scientific_journal-4025	184	20	,	,	PUNCT
american_scientific_journal-4025	184	21	automated	automate	VERB
american_scientific_journal-4025	184	22	clearing	clearing	NOUN
american_scientific_journal-4025	184	23	house	house	NOUN
american_scientific_journal-4025	184	24	.	.	PUNCT
american_scientific_journal-4025	185	1	acknowledgment	acknowledgment	NOUN
american_scientific_journal-4025	185	2	the	the	DET
american_scientific_journal-4025	185	3	authors	author	NOUN
american_scientific_journal-4025	185	4	are	be	AUX
american_scientific_journal-4025	185	5	grateful	grateful	ADJ
american_scientific_journal-4025	185	6	for	for	ADP
american_scientific_journal-4025	185	7	the	the	DET
american_scientific_journal-4025	185	8	nepalese	nepalese	ADJ
american_scientific_journal-4025	185	9	bank	bank	PROPN
american_scientific_journal-4025	185	10	in	in	ADP
american_scientific_journal-4025	185	11	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	185	12	for	for	ADP
american_scientific_journal-4025	185	13	providing	provide	VERB
american_scientific_journal-4025	185	14	valuable	valuable	ADJ
american_scientific_journal-4025	185	15	data	datum	NOUN
american_scientific_journal-4025	185	16	.	.	PUNCT
american_scientific_journal-4025	186	1	also	also	ADV
american_scientific_journal-4025	186	2	thanks	thank	VERB
american_scientific_journal-4025	186	3	the	the	DET
american_scientific_journal-4025	186	4	amrit	amrit	PROPN
american_scientific_journal-4025	186	5	campus	campus	PROPN
american_scientific_journal-4025	186	6	,	,	PUNCT
american_scientific_journal-4025	186	7	kathmandu	kathmandu	NOUN
american_scientific_journal-4025	186	8	,	,	PUNCT
american_scientific_journal-4025	186	9	patan	patan	ADJ
american_scientific_journal-4025	186	10	multiple	multiple	ADJ
american_scientific_journal-4025	186	11	campus	campus	NOUN
american_scientific_journal-4025	186	12	and	and	CCONJ
american_scientific_journal-4025	186	13	trichandra	trichandra	VERB
american_scientific_journal-4025	186	14	multiple	multiple	ADJ
american_scientific_journal-4025	186	15	campus	campus	NOUN
american_scientific_journal-4025	186	16	,	,	PUNCT
american_scientific_journal-4025	186	17	kathmandu	kathmandu	PROPN
american_scientific_journal-4025	186	18	nepal	nepal	NOUN
american_scientific_journal-4025	186	19	.	.	PUNCT
american_scientific_journal-4025	187	1	references	reference	NOUN
american_scientific_journal-4025	187	2	[	[	X
american_scientific_journal-4025	187	3	1	1	NUM
american_scientific_journal-4025	187	4	]	]	PUNCT
american_scientific_journal-4025	187	5	sahut	sahut	NOUN
american_scientific_journal-4025	187	6	,	,	PUNCT
american_scientific_journal-4025	187	7	j.	j.	PROPN
american_scientific_journal-4025	187	8	m.	m.	PROPN
american_scientific_journal-4025	187	9	(	(	PUNCT
american_scientific_journal-4025	187	10	2000	2000	NUM
american_scientific_journal-4025	187	11	)	)	PUNCT
american_scientific_journal-4025	187	12	.	.	PUNCT
american_scientific_journal-4025	188	1	ict	ict	PROPN
american_scientific_journal-4025	188	2	acceptation	acceptation	NOUN
american_scientific_journal-4025	188	3	:	:	PUNCT
american_scientific_journal-4025	188	4	the	the	DET
american_scientific_journal-4025	188	5	case	case	NOUN
american_scientific_journal-4025	188	6	of	of	ADP
american_scientific_journal-4025	188	7	crm	crm	PROPN
american_scientific_journal-4025	188	8	project	project	NOUN
american_scientific_journal-4025	188	9	.	.	PUNCT
american_scientific_journal-4025	189	1	available	available	ADJ
american_scientific_journal-4025	189	2	at	at	ADP
american_scientific_journal-4025	189	3	:	:	PUNCT
american_scientific_journal-4025	189	4	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1755493	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1755493	NOUN
american_scientific_journal-4025	189	5	.	.	PUNCT
american_scientific_journal-4025	190	1	[	[	X
american_scientific_journal-4025	190	2	2	2	NUM
american_scientific_journal-4025	190	3	]	]	PUNCT
american_scientific_journal-4025	190	4	bailey	bailey	NOUN
american_scientific_journal-4025	190	5	,	,	PUNCT
american_scientific_journal-4025	190	6	j.	j.	PROPN
american_scientific_journal-4025	190	7	e.	e.	PROPN
american_scientific_journal-4025	190	8	&	&	CCONJ
american_scientific_journal-4025	190	9	pearson	pearson	PROPN
american_scientific_journal-4025	190	10	,	,	PUNCT
american_scientific_journal-4025	190	11	s.w	s.w	PROPN
american_scientific_journal-4025	190	12	.	.	PROPN
american_scientific_journal-4025	190	13	(	(	PUNCT
american_scientific_journal-4025	190	14	1983	1983	NUM
american_scientific_journal-4025	190	15	)	)	PUNCT
american_scientific_journal-4025	190	16	.	.	PUNCT
american_scientific_journal-4025	191	1	development	development	NOUN
american_scientific_journal-4025	191	2	of	of	ADP
american_scientific_journal-4025	191	3	a	a	DET
american_scientific_journal-4025	191	4	tool	tool	NOUN
american_scientific_journal-4025	191	5	for	for	ADP
american_scientific_journal-4025	191	6	measuring	measure	VERB
american_scientific_journal-4025	191	7	and	and	CCONJ
american_scientific_journal-4025	191	8	analysing	analyse	VERB
american_scientific_journal-4025	191	9	computer	computer	NOUN
american_scientific_journal-4025	191	10	user	user	NOUN
american_scientific_journal-4025	191	11	satisfaction	satisfaction	NOUN
american_scientific_journal-4025	191	12	,	,	PUNCT
american_scientific_journal-4025	191	13	management	management	NOUN
american_scientific_journal-4025	191	14	sciences	science	NOUN
american_scientific_journal-4025	191	15	,	,	PUNCT
american_scientific_journal-4025	191	16	pp.530	pp.530	PROPN
american_scientific_journal-4025	191	17	-	-	PUNCT
american_scientific_journal-4025	191	18	545	545	NUM
american_scientific_journal-4025	191	19	[	[	X
american_scientific_journal-4025	191	20	3	3	NUM
american_scientific_journal-4025	191	21	]	]	X
american_scientific_journal-4025	191	22	cheney	cheney	PROPN
american_scientific_journal-4025	191	23	,	,	PUNCT
american_scientific_journal-4025	191	24	d.	d.	PROPN
american_scientific_journal-4025	191	25	,	,	PUNCT
american_scientific_journal-4025	191	26	mann	mann	PROPN
american_scientific_journal-4025	191	27	,	,	PUNCT
american_scientific_journal-4025	191	28	h.	h.	PROPN
american_scientific_journal-4025	191	29	&	&	CCONJ
american_scientific_journal-4025	191	30	amoroso	amoroso	PROPN
american_scientific_journal-4025	191	31	,	,	PUNCT
american_scientific_journal-4025	191	32	a.	a.	NOUN
american_scientific_journal-4025	191	33	(	(	PUNCT
american_scientific_journal-4025	191	34	1986	1986	NUM
american_scientific_journal-4025	191	35	)	)	PUNCT
american_scientific_journal-4025	191	36	.	.	PUNCT
american_scientific_journal-4025	192	1	models	model	NOUN
american_scientific_journal-4025	192	2	of	of	ADP
american_scientific_journal-4025	192	3	technology	technology	NOUN
american_scientific_journal-4025	192	4	.	.	PUNCT
american_scientific_journal-4025	193	1	information	information	NOUN
american_scientific_journal-4025	193	2	technology	technology	NOUN
american_scientific_journal-4025	193	3	,	,	PUNCT
american_scientific_journal-4025	193	4	pp	pp	ADV
american_scientific_journal-4025	193	5	.	.	PUNCT
american_scientific_journal-4025	194	1	3538	3538	NUM
american_scientific_journal-4025	194	2	[	[	X
american_scientific_journal-4025	194	3	4	4	NUM
american_scientific_journal-4025	194	4	]	]	PUNCT
american_scientific_journal-4025	194	5	jayamaha	jayamaha	PROPN
american_scientific_journal-4025	194	6	,	,	PUNCT
american_scientific_journal-4025	194	7	r.	r.	PROPN
american_scientific_journal-4025	194	8	(	(	PUNCT
american_scientific_journal-4025	194	9	2008	2008	NUM
american_scientific_journal-4025	194	10	)	)	PUNCT
american_scientific_journal-4025	194	11	.	.	PUNCT
american_scientific_journal-4025	195	1	commercial	commercial	ADJ
american_scientific_journal-4025	195	2	application	application	NOUN
american_scientific_journal-4025	195	3	of	of	ADP
american_scientific_journal-4025	195	4	ict	ict	PROPN
american_scientific_journal-4025	195	5	in	in	ADP
american_scientific_journal-4025	195	6	the	the	DET
american_scientific_journal-4025	195	7	banking	banking	NOUN
american_scientific_journal-4025	195	8	sector	sector	NOUN
american_scientific_journal-4025	195	9	.	.	PUNCT
american_scientific_journal-4025	196	1	peevers	peever	NOUN
american_scientific_journal-4025	196	2	,	,	PUNCT
american_scientific_journal-4025	196	3	g.	g.	PROPN
american_scientific_journal-4025	196	4	,	,	PUNCT
american_scientific_journal-4025	196	5	douglas	douglas	PROPN
american_scientific_journal-4025	196	6	,	,	PUNCT
american_scientific_journal-4025	196	7	g.	g.	PROPN
american_scientific_journal-4025	196	8	,	,	PUNCT
american_scientific_journal-4025	196	9	&	&	CCONJ
american_scientific_journal-4025	196	10	jack	jack	PROPN
american_scientific_journal-4025	196	11	,	,	PUNCT
american_scientific_journal-4025	196	12	m.	m.	NOUN
american_scientific_journal-4025	196	13	a.	a.	PROPN
american_scientific_journal-4025	196	14	(	(	PUNCT
american_scientific_journal-4025	196	15	2008	2008	NUM
american_scientific_journal-4025	196	16	)	)	PUNCT
american_scientific_journal-4025	196	17	.	.	PUNCT
american_scientific_journal-4025	197	1	a	a	DET
american_scientific_journal-4025	197	2	usability	usability	NOUN
american_scientific_journal-4025	197	3	comparison	comparison	NOUN
american_scientific_journal-4025	197	4	of	of	ADP
american_scientific_journal-4025	197	5	three	three	NUM
american_scientific_journal-4025	197	6	alternative	alternative	ADJ
american_scientific_journal-4025	197	7	message	message	NOUN
american_scientific_journal-4025	197	8	formats	format	NOUN
american_scientific_journal-4025	197	9	for	for	ADP
american_scientific_journal-4025	197	10	an	an	DET
american_scientific_journal-4025	197	11	sms	sms	NOUN
american_scientific_journal-4025	197	12	banking	banking	NOUN
american_scientific_journal-4025	197	13	service	service	NOUN
american_scientific_journal-4025	197	14	.	.	PUNCT
american_scientific_journal-4025	198	1	international	international	ADJ
american_scientific_journal-4025	198	2	journal	journal	PROPN
american_scientific_journal-4025	198	3	of	of	ADP
american_scientific_journal-4025	198	4	human	human	ADJ
american_scientific_journal-4025	198	5	-	-	PUNCT
american_scientific_journal-4025	198	6	computer	computer	NOUN
american_scientific_journal-4025	198	7	studies	study	NOUN
american_scientific_journal-4025	198	8	66(2	66(2	NUM
american_scientific_journal-4025	198	9	)	)	PUNCT
american_scientific_journal-4025	198	10	,	,	PUNCT
american_scientific_journal-4025	198	11	113	113	NUM
american_scientific_journal-4025	198	12	-	-	SYM
american_scientific_journal-4025	198	13	123	123	NUM
american_scientific_journal-4025	198	14	.	.	PUNCT
american_scientific_journal-4025	199	1	[	[	X
american_scientific_journal-4025	199	2	5	5	NUM
american_scientific_journal-4025	199	3	]	]	SYM
american_scientific_journal-4025	199	4	kozma	kozma	NOUN
american_scientific_journal-4025	199	5	,	,	PUNCT
american_scientific_journal-4025	199	6	r.	r.	PROPN
american_scientific_journal-4025	199	7	(	(	PUNCT
american_scientific_journal-4025	199	8	2005	2005	NUM
american_scientific_journal-4025	199	9	)	)	PUNCT
american_scientific_journal-4025	199	10	.	.	PUNCT
american_scientific_journal-4025	200	1	national	national	ADJ
american_scientific_journal-4025	200	2	policies	policy	NOUN
american_scientific_journal-4025	200	3	that	that	PRON
american_scientific_journal-4025	200	4	connect	connect	VERB
american_scientific_journal-4025	200	5	ict	ict	PROPN
american_scientific_journal-4025	200	6	-	-	PUNCT
american_scientific_journal-4025	200	7	based	base	VERB
american_scientific_journal-4025	200	8	education	education	NOUN
american_scientific_journal-4025	200	9	reform	reform	NOUN
american_scientific_journal-4025	200	10	to	to	ADP
american_scientific_journal-4025	200	11	economic	economic	ADJ
american_scientific_journal-4025	200	12	and	and	CCONJ
american_scientific_journal-4025	200	13	social	social	ADJ
american_scientific_journal-4025	200	14	development	development	NOUN
american_scientific_journal-4025	200	15	.	.	PUNCT
american_scientific_journal-4025	201	1	human	human	ADJ
american_scientific_journal-4025	201	2	technology	technology	NOUN
american_scientific_journal-4025	201	3	,	,	PUNCT
american_scientific_journal-4025	201	4	1(2	1(2	NUM
american_scientific_journal-4025	201	5	)	)	PUNCT
american_scientific_journal-4025	201	6	,	,	PUNCT
american_scientific_journal-4025	201	7	117–156	117–156	NUM
american_scientific_journal-4025	201	8	.	.	PUNCT
american_scientific_journal-4025	202	1	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1755493	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1755493	PROPN
american_scientific_journal-4025	202	2	american	american	ADJ
american_scientific_journal-4025	202	3	scientific	scientific	ADJ
american_scientific_journal-4025	202	4	research	research	NOUN
american_scientific_journal-4025	202	5	journal	journal	NOUN
american_scientific_journal-4025	202	6	for	for	ADP
american_scientific_journal-4025	202	7	engineering	engineering	NOUN
american_scientific_journal-4025	202	8	,	,	PUNCT
american_scientific_journal-4025	202	9	technology	technology	NOUN
american_scientific_journal-4025	202	10	,	,	PUNCT
american_scientific_journal-4025	202	11	and	and	CCONJ
american_scientific_journal-4025	202	12	sciences	science	NOUN
american_scientific_journal-4025	202	13	(	(	PUNCT
american_scientific_journal-4025	202	14	asrjets	asrjet	NOUN
american_scientific_journal-4025	202	15	)	)	PUNCT
american_scientific_journal-4025	202	16	(	(	PUNCT
american_scientific_journal-4025	202	17	2018	2018	NUM
american_scientific_journal-4025	202	18	)	)	PUNCT
american_scientific_journal-4025	202	19	volume	volume	NOUN
american_scientific_journal-4025	202	20	42	42	NUM
american_scientific_journal-4025	202	21	,	,	PUNCT
american_scientific_journal-4025	202	22	no	no	DET
american_scientific_journal-4025	202	23	1	1	NUM
american_scientific_journal-4025	202	24	,	,	PUNCT
american_scientific_journal-4025	202	25	pp	pp	ADV
american_scientific_journal-4025	202	26	75	75	NUM
american_scientific_journal-4025	202	27	-	-	SYM
american_scientific_journal-4025	202	28	88	88	NUM
american_scientific_journal-4025	202	29	87	87	NUM
american_scientific_journal-4025	202	30	[	[	X
american_scientific_journal-4025	202	31	6	6	NUM
american_scientific_journal-4025	202	32	]	]	X
american_scientific_journal-4025	202	33	webb	webb	NOUN
american_scientific_journal-4025	202	34	,	,	PUNCT
american_scientific_journal-4025	202	35	m.	m.	NOUN
american_scientific_journal-4025	202	36	,	,	PUNCT
american_scientific_journal-4025	202	37	&	&	CCONJ
american_scientific_journal-4025	202	38	cox	cox	PROPN
american_scientific_journal-4025	202	39	,	,	PUNCT
american_scientific_journal-4025	202	40	m.	m.	NOUN
american_scientific_journal-4025	202	41	(	(	PUNCT
american_scientific_journal-4025	202	42	2004	2004	NUM
american_scientific_journal-4025	202	43	)	)	PUNCT
american_scientific_journal-4025	202	44	.	.	PUNCT
american_scientific_journal-4025	203	1	a	a	DET
american_scientific_journal-4025	203	2	review	review	NOUN
american_scientific_journal-4025	203	3	of	of	ADP
american_scientific_journal-4025	203	4	pedagogy	pedagogy	NOUN
american_scientific_journal-4025	203	5	related	relate	VERB
american_scientific_journal-4025	203	6	to	to	ADP
american_scientific_journal-4025	203	7	information	information	NOUN
american_scientific_journal-4025	203	8	and	and	CCONJ
american_scientific_journal-4025	203	9	communications	communication	NOUN
american_scientific_journal-4025	203	10	technology	technology	NOUN
american_scientific_journal-4025	203	11	.	.	PUNCT
american_scientific_journal-4025	204	1	technology	technology	NOUN
american_scientific_journal-4025	204	2	,	,	PUNCT
american_scientific_journal-4025	204	3	pedagogy	pedagogy	NOUN
american_scientific_journal-4025	204	4	and	and	CCONJ
american_scientific_journal-4025	204	5	education	education	NOUN
american_scientific_journal-4025	204	6	,	,	PUNCT
american_scientific_journal-4025	204	7	13(3	13(3	NUM
american_scientific_journal-4025	204	8	)	)	PUNCT
american_scientific_journal-4025	204	9	,	,	PUNCT
american_scientific_journal-4025	204	10	235	235	NUM
american_scientific_journal-4025	204	11	–	–	PUNCT
american_scientific_journal-4025	204	12	[	[	X
american_scientific_journal-4025	204	13	7	7	NUM
american_scientific_journal-4025	204	14	]	]	X
american_scientific_journal-4025	204	15	bransford	bransford	NOUN
american_scientific_journal-4025	204	16	,	,	PUNCT
american_scientific_journal-4025	204	17	j.	j.	PROPN
american_scientific_journal-4025	204	18	d.	d.	PROPN
american_scientific_journal-4025	204	19	,	,	PUNCT
american_scientific_journal-4025	204	20	brown	brown	PROPN
american_scientific_journal-4025	204	21	,	,	PUNCT
american_scientific_journal-4025	204	22	a.	a.	PROPN
american_scientific_journal-4025	204	23	l.	l.	PROPN
american_scientific_journal-4025	204	24	,	,	PUNCT
american_scientific_journal-4025	204	25	&	&	CCONJ
american_scientific_journal-4025	204	26	cocking	cocking	PROPN
american_scientific_journal-4025	204	27	,	,	PUNCT
american_scientific_journal-4025	204	28	r.	r.	PROPN
american_scientific_journal-4025	204	29	r.	r.	PROPN
american_scientific_journal-4025	204	30	(	(	PUNCT
american_scientific_journal-4025	204	31	eds	eds	PROPN
american_scientific_journal-4025	204	32	.	.	PUNCT
american_scientific_journal-4025	204	33	)	)	PUNCT
american_scientific_journal-4025	204	34	.	.	PUNCT
american_scientific_journal-4025	205	1	(	(	PUNCT
american_scientific_journal-4025	205	2	1999	1999	NUM
american_scientific_journal-4025	205	3	)	)	PUNCT
american_scientific_journal-4025	205	4	.	.	PUNCT
american_scientific_journal-4025	206	1	how	how	SCONJ
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american_scientific_journal-4025	206	3	learn	learn	VERB
american_scientific_journal-4025	206	4	:	:	PUNCT
american_scientific_journal-4025	206	5	brain	brain	NOUN
american_scientific_journal-4025	206	6	,	,	PUNCT
american_scientific_journal-4025	206	7	mind	mind	NOUN
american_scientific_journal-4025	206	8	,	,	PUNCT
american_scientific_journal-4025	206	9	experience	experience	NOUN
american_scientific_journal-4025	206	10	,	,	PUNCT
american_scientific_journal-4025	206	11	and	and	CCONJ
american_scientific_journal-4025	206	12	school	school	NOUN
american_scientific_journal-4025	206	13	.	.	PUNCT
american_scientific_journal-4025	207	1	washington	washington	PROPN
american_scientific_journal-4025	207	2	,	,	PUNCT
american_scientific_journal-4025	207	3	dc	dc	PROPN
american_scientific_journal-4025	207	4	:	:	PUNCT
american_scientific_journal-4025	207	5	national	national	PROPN
american_scientific_journal-4025	207	6	research	research	PROPN
american_scientific_journal-4025	207	7	council	council	PROPN
american_scientific_journal-4025	207	8	/	/	SYM
american_scientific_journal-4025	207	9	national	national	PROPN
american_scientific_journal-4025	207	10	academy	academy	PROPN
american_scientific_journal-4025	207	11	press	press	PROPN
american_scientific_journal-4025	207	12	.	.	PUNCT
american_scientific_journal-4025	208	1	[	[	X
american_scientific_journal-4025	208	2	8	8	NUM
american_scientific_journal-4025	208	3	]	]	X
american_scientific_journal-4025	208	4	awuondo	awuondo	PROPN
american_scientific_journal-4025	208	5	,	,	PUNCT
american_scientific_journal-4025	208	6	i.	i.	NOUN
american_scientific_journal-4025	208	7	(	(	PUNCT
american_scientific_journal-4025	208	8	2008	2008	NUM
american_scientific_journal-4025	208	9	)	)	PUNCT
american_scientific_journal-4025	208	10	.	.	PUNCT
american_scientific_journal-4025	209	1	commercial	commercial	ADJ
american_scientific_journal-4025	209	2	application	application	NOUN
american_scientific_journal-4025	209	3	of	of	ADP
american_scientific_journal-4025	209	4	ict	ict	PROPN
american_scientific_journal-4025	209	5	in	in	ADP
american_scientific_journal-4025	209	6	banking	banking	NOUN
american_scientific_journal-4025	209	7	sector	sector	NOUN
american_scientific_journal-4025	209	8	.	.	PUNCT
american_scientific_journal-4025	210	1	available	available	ADJ
american_scientific_journal-4025	210	2	at	at	ADP
american_scientific_journal-4025	210	3	http://www.strathmore.edu/pdf/ictc-08/ict-banking	http://www.strathmore.edu/pdf/ictc-08/ict-banke	VERB
american_scientific_journal-4025	210	4	.	.	PUNCT
american_scientific_journal-4025	211	1	[	[	X
american_scientific_journal-4025	211	2	9	9	NUM
american_scientific_journal-4025	211	3	]	]	SYM
american_scientific_journal-4025	211	4	cracknell	cracknell	NOUN
american_scientific_journal-4025	211	5	,	,	PUNCT
american_scientific_journal-4025	211	6	d.	d.	PROPN
american_scientific_journal-4025	211	7	(	(	PUNCT
american_scientific_journal-4025	211	8	2004	2004	NUM
american_scientific_journal-4025	211	9	)	)	PUNCT
american_scientific_journal-4025	211	10	.	.	PUNCT
american_scientific_journal-4025	211	11	electronic	electronic	ADJ
american_scientific_journal-4025	211	12	banking	banking	NOUN
american_scientific_journal-4025	211	13	for	for	ADP
american_scientific_journal-4025	211	14	the	the	DET
american_scientific_journal-4025	211	15	poor	poor	ADJ
american_scientific_journal-4025	211	16	—	—	PUNCT
american_scientific_journal-4025	211	17	panacea	panacea	NOUN
american_scientific_journal-4025	211	18	,	,	PUNCT
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american_scientific_journal-4025	211	20	and	and	CCONJ
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american_scientific_journal-4025	211	24	development	development	NOUN
american_scientific_journal-4025	211	25	,	,	PUNCT
american_scientific_journal-4025	211	26	15(4	15(4	NUM
american_scientific_journal-4025	211	27	)	)	PUNCT
american_scientific_journal-4025	211	28	,	,	PUNCT
american_scientific_journal-4025	211	29	8	8	NUM
american_scientific_journal-4025	211	30	-	-	SYM
american_scientific_journal-4025	211	31	24	24	NUM
american_scientific_journal-4025	211	32	.	.	PUNCT
american_scientific_journal-4025	212	1	[	[	X
american_scientific_journal-4025	212	2	10	10	NUM
american_scientific_journal-4025	212	3	]	]	PUNCT
american_scientific_journal-4025	212	4	peevers	peever	NOUN
american_scientific_journal-4025	212	5	,	,	PUNCT
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american_scientific_journal-4025	212	7	,	,	PUNCT
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american_scientific_journal-4025	212	9	,	,	PUNCT
american_scientific_journal-4025	212	10	g.	g.	PROPN
american_scientific_journal-4025	212	11	,	,	PUNCT
american_scientific_journal-4025	212	12	&	&	CCONJ
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american_scientific_journal-4025	212	14	,	,	PUNCT
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american_scientific_journal-4025	212	17	(	(	PUNCT
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american_scientific_journal-4025	212	19	)	)	PUNCT
american_scientific_journal-4025	212	20	.	.	PUNCT
american_scientific_journal-4025	213	1	a	a	DET
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american_scientific_journal-4025	213	4	of	of	ADP
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american_scientific_journal-4025	213	9	for	for	ADP
american_scientific_journal-4025	213	10	an	an	DET
american_scientific_journal-4025	213	11	sms	sms	NOUN
american_scientific_journal-4025	213	12	banking	banking	NOUN
american_scientific_journal-4025	213	13	service	service	NOUN
american_scientific_journal-4025	213	14	.	.	PUNCT
american_scientific_journal-4025	214	1	international	international	ADJ
american_scientific_journal-4025	214	2	journal	journal	PROPN
american_scientific_journal-4025	214	3	of	of	ADP
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american_scientific_journal-4025	214	5	-	-	PUNCT
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american_scientific_journal-4025	214	7	studies	study	NOUN
american_scientific_journal-4025	214	8	66(2	66(2	NUM
american_scientific_journal-4025	214	9	)	)	PUNCT
american_scientific_journal-4025	214	10	,	,	PUNCT
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american_scientific_journal-4025	214	12	-	-	SYM
american_scientific_journal-4025	214	13	123	123	NUM
american_scientific_journal-4025	214	14	.	.	PUNCT
american_scientific_journal-4025	215	1	[	[	X
american_scientific_journal-4025	215	2	11	11	NUM
american_scientific_journal-4025	215	3	]	]	X
american_scientific_journal-4025	215	4	singh	singh	PROPN
american_scientific_journal-4025	215	5	,	,	PUNCT
american_scientific_journal-4025	215	6	s.	s.	PROPN
american_scientific_journal-4025	215	7	(	(	PUNCT
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american_scientific_journal-4025	215	9	)	)	PUNCT
american_scientific_journal-4025	215	10	.	.	PUNCT
american_scientific_journal-4025	216	1	the	the	DET
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american_scientific_journal-4025	216	4	of	of	ADP
american_scientific_journal-4025	216	5	electronic	electronic	ADJ
american_scientific_journal-4025	216	6	money	money	NOUN
american_scientific_journal-4025	216	7	.	.	PUNCT
american_scientific_journal-4025	217	1	in	in	ADP
american_scientific_journal-4025	217	2	n.	n.	PROPN
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american_scientific_journal-4025	217	4	(	(	PUNCT
american_scientific_journal-4025	217	5	ed	ed	NOUN
american_scientific_journal-4025	217	6	.	.	PUNCT
american_scientific_journal-4025	217	7	)	)	PUNCT
american_scientific_journal-4025	217	8	,	,	PUNCT
american_scientific_journal-4025	217	9	usability	usability	NOUN
american_scientific_journal-4025	217	10	and	and	CCONJ
american_scientific_journal-4025	217	11	internationalization	internationalization	NOUN
american_scientific_journal-4025	217	12	.	.	PUNCT
american_scientific_journal-4025	218	1	global	global	ADJ
american_scientific_journal-4025	218	2	and	and	CCONJ
american_scientific_journal-4025	218	3	local	local	ADJ
american_scientific_journal-4025	218	4	user	user	NOUN
american_scientific_journal-4025	218	5	interfaces	interface	NOUN
american_scientific_journal-4025	218	6	(	(	PUNCT
american_scientific_journal-4025	218	7	pp	pp	ADJ
american_scientific_journal-4025	218	8	.	.	PUNCT
american_scientific_journal-4025	219	1	469	469	NUM
american_scientific_journal-4025	219	2	-	-	SYM
american_scientific_journal-4025	219	3	475	475	NUM
american_scientific_journal-4025	219	4	)	)	PUNCT
american_scientific_journal-4025	219	5	.	.	PUNCT
american_scientific_journal-4025	220	1	new	new	PROPN
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american_scientific_journal-4025	220	3	:	:	PUNCT
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american_scientific_journal-4025	220	5	.	.	PUNCT
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american_scientific_journal-4025	221	2	12	12	NUM
american_scientific_journal-4025	221	3	]	]	X
american_scientific_journal-4025	221	4	chipchase	chipchase	NOUN
american_scientific_journal-4025	221	5	,	,	PUNCT
american_scientific_journal-4025	221	6	j.	j.	PROPN
american_scientific_journal-4025	221	7	,	,	PUNCT
american_scientific_journal-4025	221	8	persson	persson	PROPN
american_scientific_journal-4025	221	9	,	,	PUNCT
american_scientific_journal-4025	221	10	p.	p.	NOUN
american_scientific_journal-4025	221	11	,	,	PUNCT
american_scientific_journal-4025	221	12	piippo	piippo	PROPN
american_scientific_journal-4025	221	13	,	,	PUNCT
american_scientific_journal-4025	221	14	p.	p.	NOUN
american_scientific_journal-4025	221	15	,	,	PUNCT
american_scientific_journal-4025	221	16	aarras	aarras	X
american_scientific_journal-4025	221	17	,	,	PUNCT
american_scientific_journal-4025	221	18	m.	m.	NOUN
american_scientific_journal-4025	221	19	,	,	PUNCT
american_scientific_journal-4025	221	20	&	&	CCONJ
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american_scientific_journal-4025	221	22	,	,	PUNCT
american_scientific_journal-4025	221	23	t.	t.	PROPN
american_scientific_journal-4025	221	24	(	(	PUNCT
american_scientific_journal-4025	221	25	2005	2005	NUM
american_scientific_journal-4025	221	26	)	)	PUNCT
american_scientific_journal-4025	221	27	.	.	PUNCT
american_scientific_journal-4025	222	1	mobile	mobile	ADJ
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american_scientific_journal-4025	222	3	:	:	PUNCT
american_scientific_journal-4025	222	4	field	field	NOUN
american_scientific_journal-4025	222	5	study	study	NOUN
american_scientific_journal-4025	222	6	and	and	CCONJ
american_scientific_journal-4025	222	7	concepting	concepting	NOUN
american_scientific_journal-4025	222	8	.	.	PUNCT
american_scientific_journal-4025	223	1	paper	paper	NOUN
american_scientific_journal-4025	223	2	presented	present	VERB
american_scientific_journal-4025	223	3	at	at	ADP
american_scientific_journal-4025	223	4	the	the	DET
american_scientific_journal-4025	223	5	2005	2005	NUM
american_scientific_journal-4025	223	6	conference	conference	NOUN
american_scientific_journal-4025	223	7	on	on	ADP
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american_scientific_journal-4025	223	9	for	for	ADP
american_scientific_journal-4025	223	10	user	user	NOUN
american_scientific_journal-4025	223	11	experience	experience	NOUN
american_scientific_journal-4025	223	12	.	.	PUNCT
american_scientific_journal-4025	224	1	from	from	ADP
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american_scientific_journal-4025	224	3	[	[	X
american_scientific_journal-4025	224	4	13]maurer	13]maurer	NUM
american_scientific_journal-4025	224	5	,	,	PUNCT
american_scientific_journal-4025	224	6	b.	b.	PROPN
american_scientific_journal-4025	224	7	(	(	PUNCT
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american_scientific_journal-4025	224	9	)	)	PUNCT
american_scientific_journal-4025	224	10	.	.	PUNCT
american_scientific_journal-4025	225	1	retail	retail	ADJ
american_scientific_journal-4025	225	2	electronic	electronic	ADJ
american_scientific_journal-4025	225	3	payments	payment	NOUN
american_scientific_journal-4025	225	4	systems	system	NOUN
american_scientific_journal-4025	225	5	for	for	ADP
american_scientific_journal-4025	225	6	value	value	NOUN
american_scientific_journal-4025	225	7	transfers	transfer	NOUN
american_scientific_journal-4025	225	8	in	in	ADP
american_scientific_journal-4025	225	9	the	the	DET
american_scientific_journal-4025	225	10	developing	develop	VERB
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american_scientific_journal-4025	225	12	.	.	PUNCT
american_scientific_journal-4025	226	1	retrieved	retrieve	VERB
american_scientific_journal-4025	226	2	27	27	NUM
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american_scientific_journal-4025	226	4	2008	2008	NUM
american_scientific_journal-4025	226	5	,	,	PUNCT
american_scientific_journal-4025	226	6	from	from	ADP
american_scientific_journal-4025	226	7	department	department	PROPN
american_scientific_journal-4025	226	8	of	of	ADP
american_scientific_journal-4025	226	9	anthropology	anthropology	NOUN
american_scientific_journal-4025	226	10	,	,	PUNCT
american_scientific_journal-4025	226	11	university	university	NOUN
american_scientific_journal-4025	226	12	of	of	ADP
american_scientific_journal-4025	226	13	california	california	PROPN
american_scientific_journal-4025	227	1	[	[	X
american_scientific_journal-4025	227	2	14	14	NUM
american_scientific_journal-4025	227	3	]	]	X
american_scientific_journal-4025	227	4	hart	hart	PROPN
american_scientific_journal-4025	227	5	,	,	PUNCT
american_scientific_journal-4025	227	6	k.	k.	PROPN
american_scientific_journal-4025	227	7	(	(	PUNCT
american_scientific_journal-4025	227	8	2000	2000	NUM
american_scientific_journal-4025	227	9	)	)	PUNCT
american_scientific_journal-4025	227	10	.	.	PUNCT
american_scientific_journal-4025	228	1	the	the	DET
american_scientific_journal-4025	228	2	memory	memory	NOUN
american_scientific_journal-4025	228	3	bank	bank	NOUN
american_scientific_journal-4025	228	4	:	:	PUNCT
american_scientific_journal-4025	228	5	money	money	NOUN
american_scientific_journal-4025	228	6	in	in	ADP
american_scientific_journal-4025	228	7	an	an	DET
american_scientific_journal-4025	228	8	unequal	unequal	ADJ
american_scientific_journal-4025	228	9	world	world	NOUN
american_scientific_journal-4025	228	10	.	.	PUNCT
american_scientific_journal-4025	229	1	london	london	PROPN
american_scientific_journal-4025	229	2	:	:	PUNCT
american_scientific_journal-4025	229	3	profile	profile	NOUN
american_scientific_journal-4025	229	4	.	.	PUNCT
american_scientific_journal-4025	230	1	[	[	X
american_scientific_journal-4025	230	2	15	15	NUM
american_scientific_journal-4025	230	3	]	]	X
american_scientific_journal-4025	230	4	zelizer	zelizer	NOUN
american_scientific_journal-4025	230	5	,	,	PUNCT
american_scientific_journal-4025	230	6	v.	v.	ADP
american_scientific_journal-4025	230	7	a.	a.	NOUN
american_scientific_journal-4025	230	8	(	(	PUNCT
american_scientific_journal-4025	230	9	1994	1994	NUM
american_scientific_journal-4025	230	10	)	)	PUNCT
american_scientific_journal-4025	230	11	.	.	PUNCT
american_scientific_journal-4025	231	1	the	the	DET
american_scientific_journal-4025	231	2	social	social	ADJ
american_scientific_journal-4025	231	3	meaning	meaning	NOUN
american_scientific_journal-4025	231	4	of	of	ADP
american_scientific_journal-4025	231	5	money	money	NOUN
american_scientific_journal-4025	231	6	.	.	PUNCT
american_scientific_journal-4025	232	1	new	new	PROPN
american_scientific_journal-4025	232	2	york	york	PROPN
american_scientific_journal-4025	232	3	:	:	PUNCT
american_scientific_journal-4025	232	4	basic	basic	ADJ
american_scientific_journal-4025	232	5	books	book	NOUN
american_scientific_journal-4025	232	6	.	.	PUNCT
american_scientific_journal-4025	233	1	[	[	X
american_scientific_journal-4025	233	2	16	16	NUM
american_scientific_journal-4025	233	3	]	]	X
american_scientific_journal-4025	233	4	donner	donner	PROPN
american_scientific_journal-4025	233	5	,	,	PUNCT
american_scientific_journal-4025	233	6	j.	j.	PROPN
american_scientific_journal-4025	233	7	(	(	PUNCT
american_scientific_journal-4025	233	8	2007b	2007b	NUM
american_scientific_journal-4025	233	9	,	,	PUNCT
american_scientific_journal-4025	233	10	august	august	PROPN
american_scientific_journal-4025	233	11	23	23	NUM
american_scientific_journal-4025	233	12	)	)	PUNCT
american_scientific_journal-4025	233	13	.	.	PUNCT
american_scientific_journal-4025	234	1	m	m	PROPN
american_scientific_journal-4025	234	2	-	-	PUNCT
american_scientific_journal-4025	234	3	banking	banking	NOUN
american_scientific_journal-4025	234	4	and	and	CCONJ
american_scientific_journal-4025	234	5	m	m	NOUN
american_scientific_journal-4025	234	6	-	-	PUNCT
american_scientific_journal-4025	234	7	payments	payment	NOUN
american_scientific_journal-4025	234	8	services	service	NOUN
american_scientific_journal-4025	234	9	in	in	ADP
american_scientific_journal-4025	234	10	the	the	DET
american_scientific_journal-4025	234	11	developing	develop	VERB
american_scientific_journal-4025	234	12	world	world	NOUN
american_scientific_journal-4025	234	13	:	:	PUNCT
american_scientific_journal-4025	234	14	new	new	ADJ
american_scientific_journal-4025	234	15	channel	channel	NOUN
american_scientific_journal-4025	234	16	,	,	PUNCT
american_scientific_journal-4025	234	17	same	same	ADJ
american_scientific_journal-4025	234	18	ties	tie	NOUN
american_scientific_journal-4025	234	19	?	?	PUNCT
american_scientific_journal-4025	235	1	paper	paper	NOUN
american_scientific_journal-4025	235	2	presented	present	VERB
american_scientific_journal-4025	235	3	at	at	ADP
american_scientific_journal-4025	235	4	the	the	DET
american_scientific_journal-4025	235	5	panel	panel	NOUN
american_scientific_journal-4025	235	6	on	on	ADP
american_scientific_journal-4025	235	7	living	living	NOUN
american_scientific_journal-4025	235	8	and	and	CCONJ
american_scientific_journal-4025	235	9	livelihoods	livelihood	NOUN
american_scientific_journal-4025	235	10	at	at	ADP
american_scientific_journal-4025	235	11	hoit2007	hoit2007	NOUN
american_scientific_journal-4025	235	12	:	:	PUNCT
american_scientific_journal-4025	235	13	home	home	NOUN
american_scientific_journal-4025	235	14	/	/	SYM
american_scientific_journal-4025	235	15	community	community	NOUN
american_scientific_journal-4025	235	16	oriented	orient	VERB
american_scientific_journal-4025	235	17	ict	ict	NOUN
american_scientific_journal-4025	235	18	for	for	ADP
american_scientific_journal-4025	235	19	the	the	DET
american_scientific_journal-4025	235	20	next	next	ADJ
american_scientific_journal-4025	235	21	billion	billion	NUM
american_scientific_journal-4025	235	22	,	,	PUNCT
american_scientific_journal-4025	235	23	iit	iit	PROPN
american_scientific_journal-4025	235	24	madras	madras	PROPN
american_scientific_journal-4025	235	25	,	,	PUNCT
american_scientific_journal-4025	235	26	chennai	chennai	PROPN
american_scientific_journal-4025	235	27	,	,	PUNCT
american_scientific_journal-4025	235	28	india	india	PROPN
american_scientific_journal-4025	235	29	.	.	PUNCT
american_scientific_journal-4025	236	1	[	[	X
american_scientific_journal-4025	236	2	17	17	NUM
american_scientific_journal-4025	236	3	]	]	SYM
american_scientific_journal-4025	236	4	reijswoud	reijswoud	NOUN
american_scientific_journal-4025	236	5	,	,	PUNCT
american_scientific_journal-4025	236	6	v.	v.	PROPN
american_scientific_journal-4025	236	7	(	(	PUNCT
american_scientific_journal-4025	236	8	2007	2007	NUM
american_scientific_journal-4025	236	9	)	)	PUNCT
american_scientific_journal-4025	236	10	.	.	PUNCT
american_scientific_journal-4025	237	1	mobile	mobile	ADJ
american_scientific_journal-4025	237	2	banking	banking	NOUN
american_scientific_journal-4025	237	3	an	an	DET
american_scientific_journal-4025	237	4	african	african	ADJ
american_scientific_journal-4025	237	5	perspective	perspective	NOUN
american_scientific_journal-4025	237	6	.	.	PUNCT
american_scientific_journal-4025	237	7	retrieved	retrieve	VERB
american_scientific_journal-4025	237	8	27	27	NUM
american_scientific_journal-4025	237	9	may	may	NOUN
american_scientific_journal-4025	237	10	,	,	PUNCT
american_scientific_journal-4025	237	11	2008	2008	NUM
american_scientific_journal-4025	237	12	,	,	PUNCT
american_scientific_journal-4025	237	13	from	from	ADP
american_scientific_journal-4025	237	14	http://www.regulateonline.org/content/view/948/63/	http://www.regulateonline.org/content/view/948/63/	PROPN
american_scientific_journal-4025	237	15	appendix	appendix	NOUN
american_scientific_journal-4025	237	16	-1	-1	PUNCT
american_scientific_journal-4025	237	17	research	research	NOUN
american_scientific_journal-4025	237	18	questions	question	NOUN
american_scientific_journal-4025	237	19	http://portal.acm.org/citation.cfm?id=1138301	http://portal.acm.org/citation.cfm?id=1138301	PROPN
american_scientific_journal-4025	237	20	http://www.regulateonline.org/content/view/948/63/	http://www.regulateonline.org/content/view/948/63/	PROPN
american_scientific_journal-4025	237	21	american	american	ADJ
american_scientific_journal-4025	237	22	scientific	scientific	ADJ
american_scientific_journal-4025	237	23	research	research	PROPN
american_scientific_journal-4025	237	24	journal	journal	NOUN
american_scientific_journal-4025	237	25	for	for	ADP
american_scientific_journal-4025	237	26	engineering	engineering	NOUN
american_scientific_journal-4025	237	27	,	,	PUNCT
american_scientific_journal-4025	237	28	technology	technology	NOUN
american_scientific_journal-4025	237	29	,	,	PUNCT
american_scientific_journal-4025	237	30	and	and	CCONJ
american_scientific_journal-4025	237	31	sciences	science	NOUN
american_scientific_journal-4025	237	32	(	(	PUNCT
american_scientific_journal-4025	237	33	asrjets	asrjet	NOUN
american_scientific_journal-4025	237	34	)	)	PUNCT
american_scientific_journal-4025	237	35	(	(	PUNCT
american_scientific_journal-4025	237	36	2018	2018	NUM
american_scientific_journal-4025	237	37	)	)	PUNCT
american_scientific_journal-4025	237	38	volume	volume	NOUN
american_scientific_journal-4025	237	39	42	42	NUM
american_scientific_journal-4025	237	40	,	,	PUNCT
american_scientific_journal-4025	237	41	no	no	DET
american_scientific_journal-4025	237	42	1	1	NUM
american_scientific_journal-4025	237	43	,	,	PUNCT
american_scientific_journal-4025	237	44	pp	pp	ADV
american_scientific_journal-4025	237	45	75	75	NUM
american_scientific_journal-4025	237	46	-	-	SYM
american_scientific_journal-4025	237	47	88	88	NUM
american_scientific_journal-4025	237	48	88	88	NUM
american_scientific_journal-4025	237	49	the	the	DET
american_scientific_journal-4025	237	50	overall	overall	ADJ
american_scientific_journal-4025	237	51	research	research	NOUN
american_scientific_journal-4025	237	52	was	be	AUX
american_scientific_journal-4025	237	53	guided	guide	VERB
american_scientific_journal-4025	237	54	by	by	ADP
american_scientific_journal-4025	237	55	a	a	DET
american_scientific_journal-4025	237	56	set	set	NOUN
american_scientific_journal-4025	237	57	of	of	ADP
american_scientific_journal-4025	237	58	pre	pre	ADJ
american_scientific_journal-4025	237	59	-	-	ADJ
american_scientific_journal-4025	237	60	determined	determined	ADJ
american_scientific_journal-4025	237	61	research	research	NOUN
american_scientific_journal-4025	237	62	questions	question	NOUN
american_scientific_journal-4025	237	63	(	(	PUNCT
american_scientific_journal-4025	237	64	rqs	rqs	PROPN
american_scientific_journal-4025	237	65	)	)	PUNCT
american_scientific_journal-4025	237	66	so	so	SCONJ
american_scientific_journal-4025	237	67	as	as	SCONJ
american_scientific_journal-4025	237	68	to	to	PART
american_scientific_journal-4025	237	69	establish	establish	VERB
american_scientific_journal-4025	237	70	a	a	DET
american_scientific_journal-4025	237	71	complete	complete	ADJ
american_scientific_journal-4025	237	72	solution	solution	NOUN
american_scientific_journal-4025	237	73	against	against	ADP
american_scientific_journal-4025	237	74	the	the	DET
american_scientific_journal-4025	237	75	statement	statement	NOUN
american_scientific_journal-4025	237	76	of	of	ADP
american_scientific_journal-4025	237	77	the	the	DET
american_scientific_journal-4025	237	78	problem	problem	NOUN
american_scientific_journal-4025	237	79	set	set	VERB
american_scientific_journal-4025	237	80	forth	forth	ADP
american_scientific_journal-4025	237	81	in	in	ADP
american_scientific_journal-4025	237	82	this	this	DET
american_scientific_journal-4025	237	83	study	study	NOUN
american_scientific_journal-4025	237	84	.	.	PUNCT
american_scientific_journal-4025	238	1	l	l	NOUN
american_scientific_journal-4025	238	2	rq	rq	VERB
american_scientific_journal-4025	238	3	1	1	NUM
american_scientific_journal-4025	238	4	:	:	PUNCT
american_scientific_journal-4025	238	5	how	how	SCONJ
american_scientific_journal-4025	238	6	is	be	AUX
american_scientific_journal-4025	238	7	the	the	DET
american_scientific_journal-4025	238	8	status	status	NOUN
american_scientific_journal-4025	238	9	of	of	ADP
american_scientific_journal-4025	238	10	the	the	DET
american_scientific_journal-4025	238	11	use	use	NOUN
american_scientific_journal-4025	238	12	of	of	ADP
american_scientific_journal-4025	238	13	ict	ict	NOUN
american_scientific_journal-4025	238	14	in	in	ADP
american_scientific_journal-4025	238	15	banking	banking	NOUN
american_scientific_journal-4025	238	16	services	service	NOUN
american_scientific_journal-4025	238	17	in	in	ADP
american_scientific_journal-4025	238	18	the	the	DET
american_scientific_journal-4025	238	19	present	present	ADJ
american_scientific_journal-4025	238	20	context	context	NOUN
american_scientific_journal-4025	238	21	of	of	ADP
american_scientific_journal-4025	238	22	nepalese	nepalese	ADJ
american_scientific_journal-4025	238	23	commercial	commercial	ADJ
american_scientific_journal-4025	238	24	banking	banking	NOUN
american_scientific_journal-4025	238	25	?	?	PUNCT
american_scientific_journal-4025	239	1	rq	rq	VERB
american_scientific_journal-4025	239	2	2	2	NUM
american_scientific_journal-4025	239	3	:	:	PUNCT
american_scientific_journal-4025	239	4	what	what	PRON
american_scientific_journal-4025	239	5	are	be	AUX
american_scientific_journal-4025	239	6	the	the	DET
american_scientific_journal-4025	239	7	major	major	ADJ
american_scientific_journal-4025	239	8	benefits	benefit	NOUN
american_scientific_journal-4025	239	9	of	of	ADP
american_scientific_journal-4025	239	10	the	the	DET
american_scientific_journal-4025	239	11	use	use	NOUN
american_scientific_journal-4025	239	12	of	of	ADP
american_scientific_journal-4025	239	13	ict	ict	NOUN
american_scientific_journal-4025	239	14	in	in	ADP
american_scientific_journal-4025	239	15	banking	banking	NOUN
american_scientific_journal-4025	239	16	services	service	NOUN
american_scientific_journal-4025	239	17	in	in	ADP
american_scientific_journal-4025	239	18	these	these	DET
american_scientific_journal-4025	239	19	banks	bank	NOUN
american_scientific_journal-4025	239	20	?	?	PUNCT
american_scientific_journal-4025	240	1	rq	rq	VERB
american_scientific_journal-4025	240	2	3	3	NUM
american_scientific_journal-4025	240	3	:	:	PUNCT
american_scientific_journal-4025	240	4	what	what	PRON
american_scientific_journal-4025	240	5	is	be	AUX
american_scientific_journal-4025	240	6	the	the	DET
american_scientific_journal-4025	240	7	future	future	ADJ
american_scientific_journal-4025	240	8	prospect	prospect	NOUN
american_scientific_journal-4025	240	9	of	of	ADP
american_scientific_journal-4025	240	10	using	use	VERB
american_scientific_journal-4025	240	11	ict	ict	NOUN
american_scientific_journal-4025	240	12	in	in	ADP
american_scientific_journal-4025	240	13	these	these	DET
american_scientific_journal-4025	240	14	banks	bank	NOUN
american_scientific_journal-4025	240	15	?	?	PUNCT
american_scientific_journal-4025	241	1	rq	rq	VERB
american_scientific_journal-4025	241	2	4	4	NUM
american_scientific_journal-4025	241	3	:	:	PUNCT
american_scientific_journal-4025	241	4	what	what	PRON
american_scientific_journal-4025	241	5	are	be	AUX
american_scientific_journal-4025	241	6	the	the	DET
american_scientific_journal-4025	241	7	problems	problem	NOUN
american_scientific_journal-4025	241	8	hindering	hinder	VERB
american_scientific_journal-4025	241	9	the	the	DET
american_scientific_journal-4025	241	10	use	use	NOUN
american_scientific_journal-4025	241	11	of	of	ADP
american_scientific_journal-4025	241	12	ict	ict	NOUN
american_scientific_journal-4025	241	13	in	in	ADP
american_scientific_journal-4025	241	14	these	these	DET
american_scientific_journal-4025	241	15	banks	bank	NOUN
american_scientific_journal-4025	241	16	?	?	PUNCT
american_scientific_journal-4025	242	1	rq	rq	VERB
american_scientific_journal-4025	242	2	5	5	NUM
american_scientific_journal-4025	242	3	:	:	PUNCT
american_scientific_journal-4025	242	4	how	how	SCONJ
american_scientific_journal-4025	242	5	could	could	AUX
american_scientific_journal-4025	242	6	the	the	DET
american_scientific_journal-4025	242	7	use	use	NOUN
american_scientific_journal-4025	242	8	of	of	ADP
american_scientific_journal-4025	242	9	ict	ict	PROPN
american_scientific_journal-4025	242	10	is	be	AUX
american_scientific_journal-4025	242	11	leveraged	leverage	VERB
american_scientific_journal-4025	242	12	in	in	ADP
american_scientific_journal-4025	242	13	these	these	DET
american_scientific_journal-4025	242	14	banks	bank	NOUN
american_scientific_journal-4025	242	15	?	?	PUNCT