id	sid	tid	token	lemma	pos
american_scientific_journal-689	1	1	american	american	PROPN
american_scientific_journal-689	1	2	scientific	scientific	ADJ
american_scientific_journal-689	1	3	research	research	NOUN
american_scientific_journal-689	1	4	journal	journal	NOUN
american_scientific_journal-689	1	5	for	for	ADP
american_scientific_journal-689	1	6	engineering	engineering	NOUN
american_scientific_journal-689	1	7	,	,	PUNCT
american_scientific_journal-689	1	8	technology	technology	NOUN
american_scientific_journal-689	1	9	,	,	PUNCT
american_scientific_journal-689	1	10	and	and	CCONJ
american_scientific_journal-689	1	11	sciences	science	NOUN
american_scientific_journal-689	1	12	(	(	PUNCT
american_scientific_journal-689	1	13	asrjets	asrjet	NOUN
american_scientific_journal-689	1	14	)	)	PUNCT
american_scientific_journal-689	1	15	issn	issn	PROPN
american_scientific_journal-689	1	16	(	(	PUNCT
american_scientific_journal-689	1	17	print	print	NOUN
american_scientific_journal-689	1	18	)	)	PUNCT
american_scientific_journal-689	1	19	2313	2313	NUM
american_scientific_journal-689	1	20	-	-	SYM
american_scientific_journal-689	1	21	4410	4410	NUM
american_scientific_journal-689	1	22	,	,	PUNCT
american_scientific_journal-689	1	23	issn	issn	PROPN
american_scientific_journal-689	1	24	(	(	PUNCT
american_scientific_journal-689	1	25	online	online	ADJ
american_scientific_journal-689	1	26	)	)	PUNCT
american_scientific_journal-689	1	27	2313	2313	NUM
american_scientific_journal-689	1	28	-	-	SYM
american_scientific_journal-689	1	29	4402	4402	NUM
american_scientific_journal-689	1	30	©	©	PROPN
american_scientific_journal-689	1	31	global	global	ADJ
american_scientific_journal-689	1	32	society	society	NOUN
american_scientific_journal-689	1	33	of	of	ADP
american_scientific_journal-689	1	34	scientific	scientific	ADJ
american_scientific_journal-689	1	35	research	research	NOUN
american_scientific_journal-689	1	36	and	and	CCONJ
american_scientific_journal-689	1	37	researchers	researcher	NOUN
american_scientific_journal-689	1	38	http://asrjetsjournal.org/	http://asrjetsjournal.org/	NOUN
american_scientific_journal-689	1	39	e	e	NOUN
american_scientific_journal-689	1	40	-	-	NOUN
american_scientific_journal-689	1	41	banking	banking	NOUN
american_scientific_journal-689	1	42	in	in	ADP
american_scientific_journal-689	1	43	pakistan	pakistan	PROPN
american_scientific_journal-689	1	44	rabia	rabia	PROPN
american_scientific_journal-689	1	45	najafa	najafa	PROPN
american_scientific_journal-689	1	46	*	*	PROPN
american_scientific_journal-689	1	47	,	,	PUNCT
american_scientific_journal-689	1	48	khakan	khakan	PROPN
american_scientific_journal-689	1	49	najafb	najafb	PROPN
american_scientific_journal-689	1	50	,	,	PUNCT
american_scientific_journal-689	1	51	bilal	bilal	PROPN
american_scientific_journal-689	1	52	aziz	aziz	PROPN
american_scientific_journal-689	1	53	pasowalc	pasowalc	PROPN
american_scientific_journal-689	1	54	aphd	aphd	PROPN
american_scientific_journal-689	1	55	scholar	scholar	PROPN
american_scientific_journal-689	1	56	university	university	PROPN
american_scientific_journal-689	1	57	of	of	ADP
american_scientific_journal-689	1	58	lahore	lahore	NOUN
american_scientific_journal-689	1	59	,	,	PUNCT
american_scientific_journal-689	1	60	24	24	NUM
american_scientific_journal-689	1	61	-	-	PUNCT
american_scientific_journal-689	1	62	west	west	PROPN
american_scientific_journal-689	1	63	jinnah	jinnah	PROPN
american_scientific_journal-689	1	64	avenue	avenue	PROPN
american_scientific_journal-689	1	65	blue	blue	PROPN
american_scientific_journal-689	1	66	area	area	NOUN
american_scientific_journal-689	1	67	,	,	PUNCT
american_scientific_journal-689	1	68	islamabad	islamabad	NOUN
american_scientific_journal-689	1	69	44000	44000	NUM
american_scientific_journal-689	1	70	,	,	PUNCT
american_scientific_journal-689	1	71	pakistan	pakistan	PROPN
american_scientific_journal-689	1	72	blecturer	blecturer	PROPN
american_scientific_journal-689	1	73	university	university	PROPN
american_scientific_journal-689	1	74	of	of	ADP
american_scientific_journal-689	1	75	lahore	lahore	NOUN
american_scientific_journal-689	1	76	,	,	PUNCT
american_scientific_journal-689	1	77	24	24	NUM
american_scientific_journal-689	1	78	-	-	PUNCT
american_scientific_journal-689	1	79	west	west	PROPN
american_scientific_journal-689	1	80	jinnah	jinnah	PROPN
american_scientific_journal-689	1	81	avenue	avenue	PROPN
american_scientific_journal-689	1	82	blue	blue	PROPN
american_scientific_journal-689	1	83	area	area	NOUN
american_scientific_journal-689	1	84	,	,	PUNCT
american_scientific_journal-689	1	85	islamabad	islamabad	NOUN
american_scientific_journal-689	1	86	44000	44000	NUM
american_scientific_journal-689	1	87	,	,	PUNCT
american_scientific_journal-689	1	88	pakistan	pakistan	PROPN
american_scientific_journal-689	1	89	cassistant	cassistant	PROPN
american_scientific_journal-689	1	90	professor	professor	PROPN
american_scientific_journal-689	1	91	university	university	PROPN
american_scientific_journal-689	1	92	of	of	ADP
american_scientific_journal-689	1	93	lahore	lahore	PROPN
american_scientific_journal-689	1	94	,	,	PUNCT
american_scientific_journal-689	1	95	gulberg	gulberg	NOUN
american_scientific_journal-689	1	96	3	3	NUM
american_scientific_journal-689	1	97	liberty	liberty	NOUN
american_scientific_journal-689	1	98	market	market	NOUN
american_scientific_journal-689	1	99	,	,	PUNCT
american_scientific_journal-689	1	100	lahore	lahore	NOUN
american_scientific_journal-689	1	101	54000	54000	NUM
american_scientific_journal-689	1	102	,	,	PUNCT
american_scientific_journal-689	1	103	pakistan	pakistan	PROPN
american_scientific_journal-689	1	104	aemail	aemail	NOUN
american_scientific_journal-689	1	105	:	:	PUNCT
american_scientific_journal-689	1	106	rabianajaf@hotmail.com	rabianajaf@hotmail.com	ADJ
american_scientific_journal-689	1	107	bemail	bemail	PROPN
american_scientific_journal-689	1	108	:	:	PUNCT
american_scientific_journal-689	2	1	khakan.nj@gmail.com	khakan.nj@gmail.com	PROPN
american_scientific_journal-689	2	2	abstract	abstract	ADJ
american_scientific_journal-689	2	3	the	the	DET
american_scientific_journal-689	2	4	main	main	ADJ
american_scientific_journal-689	2	5	objective	objective	NOUN
american_scientific_journal-689	2	6	of	of	ADP
american_scientific_journal-689	2	7	this	this	DET
american_scientific_journal-689	2	8	study	study	NOUN
american_scientific_journal-689	2	9	is	be	AUX
american_scientific_journal-689	2	10	importance	importance	NOUN
american_scientific_journal-689	2	11	of	of	ADP
american_scientific_journal-689	2	12	e	e	NOUN
american_scientific_journal-689	2	13	banking	banking	NOUN
american_scientific_journal-689	2	14	in	in	ADP
american_scientific_journal-689	2	15	pakistan	pakistan	PROPN
american_scientific_journal-689	2	16	.in	.in	PUNCT
american_scientific_journal-689	2	17	the	the	DET
american_scientific_journal-689	2	18	banking	banking	NOUN
american_scientific_journal-689	2	19	industry	industry	NOUN
american_scientific_journal-689	2	20	e	e	NOUN
american_scientific_journal-689	2	21	banking	banking	NOUN
american_scientific_journal-689	2	22	is	be	AUX
american_scientific_journal-689	2	23	an	an	DET
american_scientific_journal-689	2	24	important	important	ADJ
american_scientific_journal-689	2	25	sector	sector	NOUN
american_scientific_journal-689	2	26	.e	.e	NOUN
american_scientific_journal-689	3	1	banking	banking	NOUN
american_scientific_journal-689	3	2	has	have	AUX
american_scientific_journal-689	3	3	bought	buy	VERB
american_scientific_journal-689	3	4	very	very	ADV
american_scientific_journal-689	3	5	huge	huge	ADJ
american_scientific_journal-689	3	6	changes	change	NOUN
american_scientific_journal-689	3	7	in	in	ADP
american_scientific_journal-689	3	8	the	the	DET
american_scientific_journal-689	3	9	pakistan	pakistan	PROPN
american_scientific_journal-689	3	10	banking	banking	NOUN
american_scientific_journal-689	3	11	system	system	NOUN
american_scientific_journal-689	3	12	.the	.the	PUNCT
american_scientific_journal-689	3	13	scope	scope	NOUN
american_scientific_journal-689	3	14	of	of	ADP
american_scientific_journal-689	3	15	e	e	PROPN
american_scientific_journal-689	3	16	banking	bank	VERB
american_scientific_journal-689	3	17	in	in	ADP
american_scientific_journal-689	3	18	developing	develop	VERB
american_scientific_journal-689	3	19	and	and	CCONJ
american_scientific_journal-689	3	20	under	under	ADP
american_scientific_journal-689	3	21	developing	develop	VERB
american_scientific_journal-689	3	22	country	country	NOUN
american_scientific_journal-689	3	23	is	be	AUX
american_scientific_journal-689	3	24	due	due	ADJ
american_scientific_journal-689	3	25	to	to	ADP
american_scientific_journal-689	3	26	its	its	PRON
american_scientific_journal-689	3	27	low	low	ADJ
american_scientific_journal-689	3	28	cost	cost	NOUN
american_scientific_journal-689	3	29	and	and	CCONJ
american_scientific_journal-689	3	30	time	time	NOUN
american_scientific_journal-689	3	31	saving	saving	NOUN
american_scientific_journal-689	3	32	,	,	PUNCT
american_scientific_journal-689	3	33	which	which	PRON
american_scientific_journal-689	3	34	has	have	AUX
american_scientific_journal-689	3	35	proved	prove	VERB
american_scientific_journal-689	3	36	by	by	ADP
american_scientific_journal-689	3	37	using	use	VERB
american_scientific_journal-689	3	38	primary	primary	ADJ
american_scientific_journal-689	3	39	data	datum	NOUN
american_scientific_journal-689	3	40	in	in	ADP
american_scientific_journal-689	3	41	this	this	DET
american_scientific_journal-689	3	42	study	study	NOUN
american_scientific_journal-689	3	43	.	.	PUNCT
american_scientific_journal-689	4	1	the	the	DET
american_scientific_journal-689	4	2	primary	primary	ADJ
american_scientific_journal-689	4	3	data	datum	NOUN
american_scientific_journal-689	4	4	used	use	VERB
american_scientific_journal-689	4	5	because	because	SCONJ
american_scientific_journal-689	4	6	we	we	PRON
american_scientific_journal-689	4	7	want	want	VERB
american_scientific_journal-689	4	8	to	to	PART
american_scientific_journal-689	4	9	know	know	VERB
american_scientific_journal-689	4	10	how	how	SCONJ
american_scientific_journal-689	4	11	to	to	PART
american_scientific_journal-689	4	12	please	please	VERB
american_scientific_journal-689	4	13	of	of	ADP
american_scientific_journal-689	4	14	customers	customer	NOUN
american_scientific_journal-689	4	15	from	from	ADP
american_scientific_journal-689	4	16	electronic	electronic	ADJ
american_scientific_journal-689	4	17	banking	banking	NOUN
american_scientific_journal-689	4	18	products	product	NOUN
american_scientific_journal-689	4	19	the	the	DET
american_scientific_journal-689	4	20	primary	primary	ADJ
american_scientific_journal-689	4	21	data	datum	NOUN
american_scientific_journal-689	4	22	used	use	VERB
american_scientific_journal-689	4	23	because	because	SCONJ
american_scientific_journal-689	4	24	we	we	PRON
american_scientific_journal-689	4	25	want	want	VERB
american_scientific_journal-689	4	26	to	to	PART
american_scientific_journal-689	4	27	know	know	VERB
american_scientific_journal-689	4	28	how	how	SCONJ
american_scientific_journal-689	4	29	to	to	PART
american_scientific_journal-689	4	30	please	please	VERB
american_scientific_journal-689	4	31	of	of	ADP
american_scientific_journal-689	4	32	customers	customer	NOUN
american_scientific_journal-689	4	33	from	from	ADP
american_scientific_journal-689	4	34	electronic	electronic	ADJ
american_scientific_journal-689	4	35	banking	banking	NOUN
american_scientific_journal-689	4	36	products	product	NOUN
american_scientific_journal-689	4	37	’	'	PUNCT
american_scientific_journal-689	4	38	banking	banking	NOUN
american_scientific_journal-689	4	39	is	be	AUX
american_scientific_journal-689	4	40	an	an	DET
american_scientific_journal-689	4	41	innerved	innerve	VERB
american_scientific_journal-689	4	42	system	system	NOUN
american_scientific_journal-689	4	43	that	that	PRON
american_scientific_journal-689	4	44	allows	allow	VERB
american_scientific_journal-689	4	45	the	the	DET
american_scientific_journal-689	4	46	customers	customer	NOUN
american_scientific_journal-689	4	47	to	to	PART
american_scientific_journal-689	4	48	in	in	ADP
american_scientific_journal-689	4	49	touch	touch	NOUN
american_scientific_journal-689	4	50	with	with	ADP
american_scientific_journal-689	4	51	their	their	PRON
american_scientific_journal-689	4	52	accounts	account	NOUN
american_scientific_journal-689	4	53	by	by	ADP
american_scientific_journal-689	4	54	using	use	VERB
american_scientific_journal-689	4	55	mobile	mobile	ADJ
american_scientific_journal-689	4	56	device	device	NOUN
american_scientific_journal-689	4	57	etc	etc	X
american_scientific_journal-689	4	58	.the	.the	X
american_scientific_journal-689	4	59	aim	aim	NOUN
american_scientific_journal-689	4	60	of	of	ADP
american_scientific_journal-689	4	61	this	this	DET
american_scientific_journal-689	4	62	study	study	NOUN
american_scientific_journal-689	4	63	is	be	AUX
american_scientific_journal-689	4	64	focus	focus	VERB
american_scientific_journal-689	4	65	on	on	ADP
american_scientific_journal-689	4	66	impact	impact	NOUN
american_scientific_journal-689	4	67	of	of	ADP
american_scientific_journal-689	4	68	e	e	NOUN
american_scientific_journal-689	4	69	banking	banking	NOUN
american_scientific_journal-689	4	70	in	in	ADP
american_scientific_journal-689	4	71	pakistan	pakistan	PROPN
american_scientific_journal-689	4	72	.	.	PUNCT
american_scientific_journal-689	5	1	in	in	ADP
american_scientific_journal-689	5	2	this	this	DET
american_scientific_journal-689	5	3	era	era	NOUN
american_scientific_journal-689	5	4	,	,	PUNCT
american_scientific_journal-689	5	5	the	the	DET
american_scientific_journal-689	5	6	life	life	NOUN
american_scientific_journal-689	5	7	of	of	ADP
american_scientific_journal-689	5	8	every	every	DET
american_scientific_journal-689	5	9	persons	person	NOUN
american_scientific_journal-689	5	10	is	be	AUX
american_scientific_journal-689	5	11	affecting	affect	VERB
american_scientific_journal-689	5	12	by	by	ADP
american_scientific_journal-689	5	13	this	this	DET
american_scientific_journal-689	5	14	technology	technology	NOUN
american_scientific_journal-689	5	15	.around	.around	SCONJ
american_scientific_journal-689	5	16	the	the	DET
american_scientific_journal-689	5	17	world	world	NOUN
american_scientific_journal-689	5	18	e	e	PROPN
american_scientific_journal-689	5	19	banking	banking	NOUN
american_scientific_journal-689	5	20	is	be	AUX
american_scientific_journal-689	5	21	getting	get	VERB
american_scientific_journal-689	5	22	popular	popular	ADJ
american_scientific_journal-689	5	23	day	day	NOUN
american_scientific_journal-689	5	24	by	by	ADP
american_scientific_journal-689	5	25	day	day	NOUN
american_scientific_journal-689	5	26	.there	.there	VERB
american_scientific_journal-689	5	27	are	be	AUX
american_scientific_journal-689	5	28	many	many	ADJ
american_scientific_journal-689	5	29	countries	country	NOUN
american_scientific_journal-689	5	30	who	who	PRON
american_scientific_journal-689	5	31	are	be	AUX
american_scientific_journal-689	5	32	utilization	utilization	NOUN
american_scientific_journal-689	5	33	this	this	DET
american_scientific_journal-689	5	34	technology	technology	NOUN
american_scientific_journal-689	5	35	like	like	ADP
american_scientific_journal-689	5	36	pakistan	pakistan	PROPN
american_scientific_journal-689	5	37	.in	.in	PUNCT
american_scientific_journal-689	6	1	this	this	DET
american_scientific_journal-689	6	2	study	study	NOUN
american_scientific_journal-689	6	3	focus	focus	VERB
american_scientific_journal-689	6	4	on	on	ADP
american_scientific_journal-689	6	5	the	the	DET
american_scientific_journal-689	6	6	performance	performance	NOUN
american_scientific_journal-689	6	7	of	of	ADP
american_scientific_journal-689	6	8	e	e	NOUN
american_scientific_journal-689	6	9	banking	banking	NOUN
american_scientific_journal-689	6	10	.almost	.almost	ADP
american_scientific_journal-689	6	11	70	70	NUM
american_scientific_journal-689	6	12	%	%	NOUN
american_scientific_journal-689	6	13	banks	bank	NOUN
american_scientific_journal-689	6	14	are	be	AUX
american_scientific_journal-689	6	15	shifted	shift	VERB
american_scientific_journal-689	6	16	to	to	ADP
american_scientific_journal-689	6	17	non	non	ADJ
american_scientific_journal-689	6	18	-	-	ADJ
american_scientific_journal-689	6	19	internet	internet	ADJ
american_scientific_journal-689	6	20	banking	banking	NOUN
american_scientific_journal-689	6	21	to	to	ADP
american_scientific_journal-689	6	22	internet	internet	NOUN
american_scientific_journal-689	6	23	banking	banking	NOUN
american_scientific_journal-689	6	24	.the	.the	PRON
american_scientific_journal-689	6	25	core	core	NOUN
american_scientific_journal-689	6	26	function	function	NOUN
american_scientific_journal-689	6	27	of	of	ADP
american_scientific_journal-689	6	28	this	this	DET
american_scientific_journal-689	6	29	transfer	transfer	NOUN
american_scientific_journal-689	6	30	is	be	AUX
american_scientific_journal-689	6	31	due	due	ADJ
american_scientific_journal-689	6	32	to	to	ADP
american_scientific_journal-689	6	33	low	low	ADJ
american_scientific_journal-689	6	34	cost	cost	NOUN
american_scientific_journal-689	6	35	.in	.in	PUNCT
american_scientific_journal-689	6	36	this	this	DET
american_scientific_journal-689	6	37	paper	paper	NOUN
american_scientific_journal-689	6	38	discuses	discuse	VERB
american_scientific_journal-689	6	39	about	about	ADP
american_scientific_journal-689	6	40	that	that	DET
american_scientific_journal-689	6	41	icici	icici	NOUN
american_scientific_journal-689	6	42	is	be	AUX
american_scientific_journal-689	6	43	the	the	DET
american_scientific_journal-689	6	44	world	world	NOUN
american_scientific_journal-689	6	45	famous	famous	ADJ
american_scientific_journal-689	6	46	internet	internet	NOUN
american_scientific_journal-689	6	47	bank	bank	NOUN
american_scientific_journal-689	6	48	in	in	ADP
american_scientific_journal-689	6	49	world	world	NOUN
american_scientific_journal-689	6	50	and	and	CCONJ
american_scientific_journal-689	6	51	from	from	ADP
american_scientific_journal-689	6	52	last	last	ADJ
american_scientific_journal-689	6	53	20	20	NUM
american_scientific_journal-689	6	54	years	year	NOUN
american_scientific_journal-689	6	55	progress	progress	NOUN
american_scientific_journal-689	6	56	of	of	ADP
american_scientific_journal-689	6	57	e	e	NOUN
american_scientific_journal-689	6	58	banking	banking	NOUN
american_scientific_journal-689	6	59	.	.	PUNCT
american_scientific_journal-689	7	1	banks	bank	NOUN
american_scientific_journal-689	7	2	in	in	ADP
american_scientific_journal-689	7	3	pakistan	pakistan	PROPN
american_scientific_journal-689	7	4	are	be	AUX
american_scientific_journal-689	7	5	controlled	control	VERB
american_scientific_journal-689	7	6	by	by	ADP
american_scientific_journal-689	7	7	state	state	PROPN
american_scientific_journal-689	7	8	bank	bank	PROPN
american_scientific_journal-689	7	9	of	of	ADP
american_scientific_journal-689	7	10	pakistan	pakistan	PROPN
american_scientific_journal-689	7	11	.	.	PUNCT
american_scientific_journal-689	8	1	it	it	PRON
american_scientific_journal-689	8	2	is	be	AUX
american_scientific_journal-689	8	3	one	one	NUM
american_scientific_journal-689	8	4	of	of	ADP
american_scientific_journal-689	8	5	oldest	old	ADJ
american_scientific_journal-689	8	6	bank	bank	NOUN
american_scientific_journal-689	8	7	in	in	ADP
american_scientific_journal-689	8	8	pakistan	pakistan	PROPN
american_scientific_journal-689	8	9	which	which	PRON
american_scientific_journal-689	8	10	was	be	AUX
american_scientific_journal-689	8	11	formerly	formerly	ADV
american_scientific_journal-689	8	12	named	name	VERB
american_scientific_journal-689	8	13	as	as	ADP
american_scientific_journal-689	8	14	reserve	reserve	PROPN
american_scientific_journal-689	8	15	bank	bank	PROPN
american_scientific_journal-689	8	16	of	of	ADP
american_scientific_journal-689	8	17	india	india	PROPN
american_scientific_journal-689	8	18	before	before	ADP
american_scientific_journal-689	8	19	1947	1947	NUM
american_scientific_journal-689	8	20	.	.	PUNCT
american_scientific_journal-689	9	1	e	e	X
american_scientific_journal-689	9	2	banking	banking	NOUN
american_scientific_journal-689	9	3	is	be	AUX
american_scientific_journal-689	9	4	a	a	DET
american_scientific_journal-689	9	5	key	key	ADJ
american_scientific_journal-689	9	6	driver	driver	NOUN
american_scientific_journal-689	9	7	for	for	ADP
american_scientific_journal-689	9	8	the	the	DET
american_scientific_journal-689	9	9	changing	change	VERB
american_scientific_journal-689	9	10	the	the	DET
american_scientific_journal-689	9	11	world	world	NOUN
american_scientific_journal-689	9	12	at	at	ADP
american_scientific_journal-689	9	13	a	a	DET
american_scientific_journal-689	9	14	staggering	staggering	ADJ
american_scientific_journal-689	9	15	rate	rate	NOUN
american_scientific_journal-689	9	16	’s	’s	PART
american_scientific_journal-689	9	17	banking	banking	NOUN
american_scientific_journal-689	9	18	is	be	AUX
american_scientific_journal-689	9	19	said	say	VERB
american_scientific_journal-689	9	20	to	to	PART
american_scientific_journal-689	9	21	be	be	AUX
american_scientific_journal-689	9	22	truly	truly	ADV
american_scientific_journal-689	9	23	global	global	ADJ
american_scientific_journal-689	9	24	phenomenon	phenomenon	NOUN
american_scientific_journal-689	9	25	that	that	PRON
american_scientific_journal-689	9	26	has	have	AUX
american_scientific_journal-689	9	27	made	make	VERB
american_scientific_journal-689	9	28	truncations	truncation	NOUN
american_scientific_journal-689	9	29	are	be	AUX
american_scientific_journal-689	9	30	very	very	ADV
american_scientific_journal-689	9	31	easy	easy	ADJ
american_scientific_journal-689	9	32	.in	.in	PUNCT
american_scientific_journal-689	9	33	this	this	DET
american_scientific_journal-689	9	34	study	study	NOUN
american_scientific_journal-689	9	35	two	two	NUM
american_scientific_journal-689	9	36	angles	angle	NOUN
american_scientific_journal-689	9	37	are	be	AUX
american_scientific_journal-689	9	38	discuse1	discuse1	NOUN
american_scientific_journal-689	9	39	)	)	PUNCT
american_scientific_journal-689	9	40	impact	impact	NOUN
american_scientific_journal-689	9	41	of	of	ADP
american_scientific_journal-689	9	42	strategic	strategic	ADJ
american_scientific_journal-689	9	43	activity	activity	NOUN
american_scientific_journal-689	9	44	2	2	NUM
american_scientific_journal-689	9	45	)	)	PUNCT
american_scientific_journal-689	9	46	discuss	discuss	VERB
american_scientific_journal-689	9	47	about	about	ADP
american_scientific_journal-689	9	48	that	that	SCONJ
american_scientific_journal-689	9	49	the	the	DET
american_scientific_journal-689	9	50	influence	influence	NOUN
american_scientific_journal-689	9	51	of	of	ADP
american_scientific_journal-689	9	52	perceived	perceive	VERB
american_scientific_journal-689	9	53	risk	risk	NOUN
american_scientific_journal-689	9	54	in	in	ADP
american_scientific_journal-689	9	55	information	information	NOUN
american_scientific_journal-689	9	56	technology	technology	NOUN
american_scientific_journal-689	9	57	.e	.e	NOUN
american_scientific_journal-689	10	1	banking	banking	NOUN
american_scientific_journal-689	10	2	is	be	AUX
american_scientific_journal-689	10	3	a	a	DET
american_scientific_journal-689	10	4	latest	late	ADJ
american_scientific_journal-689	10	5	technology	technology	NOUN
american_scientific_journal-689	10	6	in	in	ADP
american_scientific_journal-689	10	7	this	this	DET
american_scientific_journal-689	10	8	era	era	NOUN
american_scientific_journal-689	10	9	.according	.according	ADP
american_scientific_journal-689	10	10	to	to	ADP
american_scientific_journal-689	10	11	world	world	PROPN
american_scientific_journal-689	10	12	bank	bank	PROPN
american_scientific_journal-689	10	13	survey	survey	NOUN
american_scientific_journal-689	10	14	in	in	ADP
american_scientific_journal-689	10	15	2001	2001	NUM
american_scientific_journal-689	10	16	,	,	PUNCT
american_scientific_journal-689	10	17	the	the	DET
american_scientific_journal-689	10	18	development	development	NOUN
american_scientific_journal-689	10	19	of	of	ADP
american_scientific_journal-689	10	20	e	e	PROPN
american_scientific_journal-689	10	21	banking	bank	VERB
american_scientific_journal-689	10	22	in	in	ADP
american_scientific_journal-689	10	23	developing	develop	VERB
american_scientific_journal-689	10	24	country	country	NOUN
american_scientific_journal-689	10	25	is	be	AUX
american_scientific_journal-689	10	26	near	near	ADP
american_scientific_journal-689	10	27	about	about	ADV
american_scientific_journal-689	10	28	6	6	NUM
american_scientific_journal-689	10	29	%	%	NOUN
american_scientific_journal-689	10	30	.	.	PUNCT
american_scientific_journal-689	11	1	e	e	NOUN
american_scientific_journal-689	11	2	banking	banking	NOUN
american_scientific_journal-689	11	3	means	mean	VERB
american_scientific_journal-689	11	4	banks	bank	NOUN
american_scientific_journal-689	11	5	in	in	ADP
american_scientific_journal-689	11	6	pocket	pocket	NOUN
american_scientific_journal-689	11	7	.with	.with	SCONJ
american_scientific_journal-689	11	8	the	the	DET
american_scientific_journal-689	11	9	usage	usage	NOUN
american_scientific_journal-689	11	10	on	on	ADP
american_scientific_journal-689	11	11	internet	internet	NOUN
american_scientific_journal-689	11	12	we	we	PRON
american_scientific_journal-689	11	13	can	can	AUX
american_scientific_journal-689	11	14	assess	assess	VERB
american_scientific_journal-689	11	15	our	our	PRON
american_scientific_journal-689	11	16	account	account	NOUN
american_scientific_journal-689	11	17	at	at	ADP
american_scientific_journal-689	11	18	any	any	DET
american_scientific_journal-689	11	19	place	place	NOUN
american_scientific_journal-689	11	20	.	.	PUNCT
american_scientific_journal-689	12	1	in	in	ADP
american_scientific_journal-689	12	2	90s	90	NOUN
american_scientific_journal-689	12	3	different	different	ADJ
american_scientific_journal-689	12	4	enterpriser	enterpriser	NOUN
american_scientific_journal-689	12	5	start	start	NOUN
american_scientific_journal-689	12	6	use	use	NOUN
american_scientific_journal-689	12	7	of	of	ADP
american_scientific_journal-689	12	8	e	e	NOUN
american_scientific_journal-689	12	9	banking	banking	NOUN
american_scientific_journal-689	12	10	.in	.in	PUNCT
american_scientific_journal-689	12	11	pakistan	pakistan	PROPN
american_scientific_journal-689	12	12	near	near	ADP
american_scientific_journal-689	12	13	about	about	ADV
american_scientific_journal-689	12	14	9	9	NUM
american_scientific_journal-689	12	15	%	%	NOUN
american_scientific_journal-689	12	16	people	people	NOUN
american_scientific_journal-689	12	17	use	use	VERB
american_scientific_journal-689	12	18	this	this	DET
american_scientific_journal-689	12	19	technology	technology	NOUN
american_scientific_journal-689	12	20	.	.	PUNCT
american_scientific_journal-689	13	1	-----------------------------------------------------------------------	-----------------------------------------------------------------------	PUNCT
american_scientific_journal-689	14	1	*	*	PUNCT
american_scientific_journal-689	14	2	corresponding	correspond	VERB
american_scientific_journal-689	14	3	author	author	NOUN
american_scientific_journal-689	14	4	.	.	PUNCT
american_scientific_journal-689	15	1	e	e	X
american_scientific_journal-689	15	2	-	-	NOUN
american_scientific_journal-689	15	3	mail	mail	NOUN
american_scientific_journal-689	15	4	address	address	NOUN
american_scientific_journal-689	15	5	:	:	PUNCT
american_scientific_journal-689	16	1	rabianajaf@hotmail.com	rabianajaf@hotmail.com	X
american_scientific_journal-689	16	2	.	.	PUNCT
american_scientific_journal-689	17	1	74	74	NUM
american_scientific_journal-689	17	2	http://asrjetsjournal.org/	http://asrjetsjournal.org/	PROPN
american_scientific_journal-689	17	3	american	american	ADJ
american_scientific_journal-689	17	4	scientific	scientific	ADJ
american_scientific_journal-689	17	5	research	research	NOUN
american_scientific_journal-689	17	6	journal	journal	NOUN
american_scientific_journal-689	17	7	for	for	ADP
american_scientific_journal-689	17	8	engineering	engineering	NOUN
american_scientific_journal-689	17	9	,	,	PUNCT
american_scientific_journal-689	17	10	technology	technology	NOUN
american_scientific_journal-689	17	11	,	,	PUNCT
american_scientific_journal-689	17	12	and	and	CCONJ
american_scientific_journal-689	17	13	sciences	science	NOUN
american_scientific_journal-689	17	14	(	(	PUNCT
american_scientific_journal-689	17	15	asrjets	asrjet	NOUN
american_scientific_journal-689	17	16	)	)	PUNCT
american_scientific_journal-689	17	17	(	(	PUNCT
american_scientific_journal-689	17	18	2014	2014	NUM
american_scientific_journal-689	17	19	)	)	PUNCT
american_scientific_journal-689	17	20	volume	volume	NOUN
american_scientific_journal-689	17	21	10	10	NUM
american_scientific_journal-689	17	22	,	,	PUNCT
american_scientific_journal-689	17	23	no	no	DET
american_scientific_journal-689	17	24	1	1	NUM
american_scientific_journal-689	17	25	,	,	PUNCT
american_scientific_journal-689	17	26	pp	pp	ADV
american_scientific_journal-689	17	27	74	74	NUM
american_scientific_journal-689	17	28	-	-	SYM
american_scientific_journal-689	17	29	84	84	NUM
american_scientific_journal-689	17	30	in	in	ADP
american_scientific_journal-689	17	31	the	the	DET
american_scientific_journal-689	17	32	electronic	electronic	ADJ
american_scientific_journal-689	17	33	transaction	transaction	NOUN
american_scientific_journal-689	17	34	,	,	PUNCT
american_scientific_journal-689	17	35	crimes	crime	NOUN
american_scientific_journal-689	17	36	have	have	AUX
american_scientific_journal-689	17	37	been	be	AUX
american_scientific_journal-689	17	38	increased	increase	VERB
american_scientific_journal-689	17	39	day	day	NOUN
american_scientific_journal-689	17	40	by	by	ADP
american_scientific_journal-689	17	41	day	day	NOUN
american_scientific_journal-689	17	42	so	so	SCONJ
american_scientific_journal-689	17	43	electronic	electronic	ADJ
american_scientific_journal-689	17	44	bank	bank	NOUN
american_scientific_journal-689	17	45	needs	need	VERB
american_scientific_journal-689	17	46	to	to	PART
american_scientific_journal-689	17	47	maintain	maintain	VERB
american_scientific_journal-689	17	48	and	and	CCONJ
american_scientific_journal-689	17	49	retain	retain	VERB
american_scientific_journal-689	17	50	customer	customer	NOUN
american_scientific_journal-689	17	51	to	to	PART
american_scientific_journal-689	17	52	give	give	VERB
american_scientific_journal-689	17	53	protection	protection	NOUN
american_scientific_journal-689	17	54	.	.	PUNCT
american_scientific_journal-689	18	1	we	we	PRON
american_scientific_journal-689	18	2	defined	define	VERB
american_scientific_journal-689	18	3	some	some	DET
american_scientific_journal-689	18	4	variables	variable	NOUN
american_scientific_journal-689	18	5	above	above	ADP
american_scientific_journal-689	18	6	which	which	PRON
american_scientific_journal-689	18	7	would	would	AUX
american_scientific_journal-689	18	8	impact	impact	VERB
american_scientific_journal-689	18	9	on	on	ADP
american_scientific_journal-689	18	10	customer	customer	NOUN
american_scientific_journal-689	18	11	satisfaction	satisfaction	NOUN
american_scientific_journal-689	18	12	.	.	PUNCT
american_scientific_journal-689	19	1	major	major	ADJ
american_scientific_journal-689	19	2	variables	variable	NOUN
american_scientific_journal-689	19	3	are	be	AUX
american_scientific_journal-689	19	4	the	the	DET
american_scientific_journal-689	19	5	electronic	electronic	ADJ
american_scientific_journal-689	19	6	banking	banking	NOUN
american_scientific_journal-689	19	7	products	product	NOUN
american_scientific_journal-689	19	8	,	,	PUNCT
american_scientific_journal-689	19	9	cyber	cyber	NOUN
american_scientific_journal-689	19	10	-	-	PUNCT
american_scientific_journal-689	19	11	crimes	crime	NOUN
american_scientific_journal-689	19	12	and	and	CCONJ
american_scientific_journal-689	19	13	availability	availability	NOUN
american_scientific_journal-689	19	14	of	of	ADP
american_scientific_journal-689	19	15	internet	internet	NOUN
american_scientific_journal-689	19	16	access	access	NOUN
american_scientific_journal-689	19	17	,	,	PUNCT
american_scientific_journal-689	19	18	security	security	NOUN
american_scientific_journal-689	19	19	in	in	ADP
american_scientific_journal-689	19	20	information	information	NOUN
american_scientific_journal-689	19	21	transaction	transaction	NOUN
american_scientific_journal-689	19	22	.	.	PUNCT
american_scientific_journal-689	20	1	banks	bank	NOUN
american_scientific_journal-689	20	2	should	should	AUX
american_scientific_journal-689	20	3	provide	provide	VERB
american_scientific_journal-689	20	4	unique	unique	ADJ
american_scientific_journal-689	20	5	passwords	password	NOUN
american_scientific_journal-689	20	6	and	and	CCONJ
american_scientific_journal-689	20	7	maintain	maintain	VERB
american_scientific_journal-689	20	8	high	high	ADJ
american_scientific_journal-689	20	9	profile	profile	NOUN
american_scientific_journal-689	20	10	security	security	NOUN
american_scientific_journal-689	20	11	.	.	PUNCT
american_scientific_journal-689	21	1	this	this	PRON
american_scientific_journal-689	21	2	will	will	AUX
american_scientific_journal-689	21	3	help	help	VERB
american_scientific_journal-689	21	4	to	to	PART
american_scientific_journal-689	21	5	maintain	maintain	VERB
american_scientific_journal-689	21	6	unauthorized	unauthorized	ADJ
american_scientific_journal-689	21	7	access	access	NOUN
american_scientific_journal-689	21	8	to	to	ADP
american_scientific_journal-689	21	9	the	the	DET
american_scientific_journal-689	21	10	user	user	NOUN
american_scientific_journal-689	21	11	’s	’s	PART
american_scientific_journal-689	21	12	account	account	NOUN
american_scientific_journal-689	21	13	.	.	PUNCT
american_scientific_journal-689	22	1	keywords	keyword	NOUN
american_scientific_journal-689	22	2	:	:	PUNCT
american_scientific_journal-689	22	3	pakistan	pakistan	ADJ
american_scientific_journal-689	22	4	;	;	PUNCT
american_scientific_journal-689	22	5	e	e	X
american_scientific_journal-689	22	6	banking	banking	NOUN
american_scientific_journal-689	22	7	;	;	PUNCT
american_scientific_journal-689	22	8	era	era	NOUN
american_scientific_journal-689	22	9	;	;	PUNCT
american_scientific_journal-689	22	10	icici	icici	NOUN
american_scientific_journal-689	22	11	;	;	PUNCT
american_scientific_journal-689	22	12	state	state	NOUN
american_scientific_journal-689	22	13	bank	bank	NOUN
american_scientific_journal-689	22	14	;	;	PUNCT
american_scientific_journal-689	22	15	cyber	cyber	ADJ
american_scientific_journal-689	22	16	crimes	crime	NOUN
american_scientific_journal-689	22	17	1	1	NUM
american_scientific_journal-689	22	18	.	.	PUNCT
american_scientific_journal-689	23	1	introduction	introduction	NOUN
american_scientific_journal-689	23	2	e	e	NOUN
american_scientific_journal-689	23	3	banking	banking	NOUN
american_scientific_journal-689	23	4	is	be	AUX
american_scientific_journal-689	23	5	a	a	DET
american_scientific_journal-689	23	6	self	self	NOUN
american_scientific_journal-689	23	7	-	-	PUNCT
american_scientific_journal-689	23	8	service	service	NOUN
american_scientific_journal-689	23	9	technology	technology	NOUN
american_scientific_journal-689	23	10	in	in	ADP
american_scientific_journal-689	23	11	the	the	DET
american_scientific_journal-689	23	12	world	world	NOUN
american_scientific_journal-689	23	13	.	.	PUNCT
american_scientific_journal-689	24	1	in	in	ADP
american_scientific_journal-689	24	2	90s	90	NOUN
american_scientific_journal-689	24	3	the	the	DET
american_scientific_journal-689	24	4	enterprises	enterprise	NOUN
american_scientific_journal-689	24	5	started	start	VERB
american_scientific_journal-689	24	6	the	the	DET
american_scientific_journal-689	24	7	usage	usage	NOUN
american_scientific_journal-689	24	8	of	of	ADP
american_scientific_journal-689	24	9	e	e	NOUN
american_scientific_journal-689	24	10	banking	banking	NOUN
american_scientific_journal-689	24	11	due	due	ADP
american_scientific_journal-689	24	12	to	to	ADP
american_scientific_journal-689	24	13	low	low	ADJ
american_scientific_journal-689	24	14	cost	cost	VERB
american_scientific_journal-689	24	15	the	the	DET
american_scientific_journal-689	24	16	usage	usage	NOUN
american_scientific_journal-689	24	17	of	of	ADP
american_scientific_journal-689	24	18	e	e	NOUN
american_scientific_journal-689	24	19	banking	banking	NOUN
american_scientific_journal-689	24	20	is	be	AUX
american_scientific_journal-689	24	21	very	very	ADV
american_scientific_journal-689	24	22	high	high	ADJ
american_scientific_journal-689	24	23	.first	.first	INTJ
american_scientific_journal-689	24	24	type	type	NOUN
american_scientific_journal-689	24	25	of	of	ADP
american_scientific_journal-689	24	26	e	e	NOUN
american_scientific_journal-689	24	27	banking	banking	NOUN
american_scientific_journal-689	24	28	is	be	AUX
american_scientific_journal-689	24	29	atm	atm	ADJ
american_scientific_journal-689	24	30	.recently	.recently	ADV
american_scientific_journal-689	24	31	e	e	VERB
american_scientific_journal-689	24	32	banking	banking	NOUN
american_scientific_journal-689	24	33	introduced	introduce	VERB
american_scientific_journal-689	24	34	new	new	ADJ
american_scientific_journal-689	24	35	channels	channel	NOUN
american_scientific_journal-689	24	36	which	which	PRON
american_scientific_journal-689	24	37	give	give	VERB
american_scientific_journal-689	24	38	benefit	benefit	NOUN
american_scientific_journal-689	24	39	both	both	DET
american_scientific_journal-689	24	40	banks	bank	NOUN
american_scientific_journal-689	24	41	and	and	CCONJ
american_scientific_journal-689	24	42	customers	customer	NOUN
american_scientific_journal-689	24	43	.the	.the	PRON
american_scientific_journal-689	25	1	first	first	ADJ
american_scientific_journal-689	25	2	advantage	advantage	NOUN
american_scientific_journal-689	25	3	of	of	ADP
american_scientific_journal-689	25	4	e	e	NOUN
american_scientific_journal-689	25	5	banking	banking	NOUN
american_scientific_journal-689	25	6	is	be	AUX
american_scientific_journal-689	25	7	to	to	PART
american_scientific_journal-689	25	8	provide	provide	VERB
american_scientific_journal-689	25	9	the	the	DET
american_scientific_journal-689	25	10	fast	fast	ADJ
american_scientific_journal-689	25	11	services	service	NOUN
american_scientific_journal-689	25	12	in	in	ADP
american_scientific_journal-689	25	13	low	low	ADJ
american_scientific_journal-689	25	14	cost	cost	NOUN
american_scientific_journal-689	25	15	.the	.the	PRON
american_scientific_journal-689	25	16	usage	usage	NOUN
american_scientific_journal-689	25	17	of	of	ADP
american_scientific_journal-689	25	18	e	e	NOUN
american_scientific_journal-689	25	19	banking	banking	NOUN
american_scientific_journal-689	25	20	is	be	AUX
american_scientific_journal-689	25	21	increasing	increase	VERB
american_scientific_journal-689	25	22	rapidly	rapidly	ADV
american_scientific_journal-689	25	23	.from	.from	ADP
american_scientific_journal-689	25	24	the	the	DET
american_scientific_journal-689	25	25	last	last	ADJ
american_scientific_journal-689	25	26	20	20	NUM
american_scientific_journal-689	25	27	years	year	NOUN
american_scientific_journal-689	25	28	due	due	ADJ
american_scientific_journal-689	25	29	to	to	ADP
american_scientific_journal-689	25	30	ebanking	ebanke	VERB
american_scientific_journal-689	25	31	the	the	DET
american_scientific_journal-689	25	32	banks	bank	NOUN
american_scientific_journal-689	25	33	are	be	AUX
american_scientific_journal-689	25	34	doing	do	VERB
american_scientific_journal-689	25	35	very	very	ADV
american_scientific_journal-689	25	36	much	much	ADJ
american_scientific_journal-689	25	37	progress	progress	NOUN
american_scientific_journal-689	25	38	.in	.in	PUNCT
american_scientific_journal-689	25	39	the	the	DET
american_scientific_journal-689	25	40	world	world	NOUN
american_scientific_journal-689	25	41	,	,	PUNCT
american_scientific_journal-689	25	42	icici	icici	PROPN
american_scientific_journal-689	25	43	is	be	AUX
american_scientific_journal-689	25	44	world	world	NOUN
american_scientific_journal-689	25	45	famous	famous	ADJ
american_scientific_journal-689	25	46	bank	bank	NOUN
american_scientific_journal-689	25	47	for	for	ADP
american_scientific_journal-689	25	48	best	good	ADJ
american_scientific_journal-689	25	49	internet	internet	NOUN
american_scientific_journal-689	25	50	banking	banking	NOUN
american_scientific_journal-689	25	51	.	.	PUNCT
american_scientific_journal-689	26	1	the	the	DET
american_scientific_journal-689	26	2	first	first	ADJ
american_scientific_journal-689	26	3	step	step	NOUN
american_scientific_journal-689	26	4	towards	towards	ADP
american_scientific_journal-689	26	5	the	the	DET
american_scientific_journal-689	26	6	progress	progress	NOUN
american_scientific_journal-689	26	7	is	be	AUX
american_scientific_journal-689	26	8	usage	usage	NOUN
american_scientific_journal-689	26	9	of	of	ADP
american_scientific_journal-689	26	10	automatic	automatic	ADJ
american_scientific_journal-689	26	11	teller	teller	NOUN
american_scientific_journal-689	26	12	machine	machine	NOUN
american_scientific_journal-689	26	13	.	.	PUNCT
american_scientific_journal-689	27	1	the	the	DET
american_scientific_journal-689	27	2	best	good	ADJ
american_scientific_journal-689	27	3	financial	financial	ADJ
american_scientific_journal-689	27	4	transactions	transaction	NOUN
american_scientific_journal-689	27	5	in	in	ADP
american_scientific_journal-689	27	6	the	the	DET
american_scientific_journal-689	27	7	world	world	NOUN
american_scientific_journal-689	27	8	are	be	AUX
american_scientific_journal-689	27	9	online	online	ADJ
american_scientific_journal-689	27	10	banking	banking	NOUN
american_scientific_journal-689	27	11	.banks	.banks	PUNCT
american_scientific_journal-689	27	12	in	in	ADP
american_scientific_journal-689	27	13	pakistan	pakistan	PROPN
american_scientific_journal-689	27	14	are	be	AUX
american_scientific_journal-689	27	15	controlled	control	VERB
american_scientific_journal-689	27	16	by	by	ADP
american_scientific_journal-689	27	17	state	state	PROPN
american_scientific_journal-689	27	18	bank	bank	PROPN
american_scientific_journal-689	27	19	of	of	ADP
american_scientific_journal-689	27	20	pakistan	pakistan	PROPN
american_scientific_journal-689	27	21	.	.	PUNCT
american_scientific_journal-689	28	1	it	it	PRON
american_scientific_journal-689	28	2	is	be	AUX
american_scientific_journal-689	28	3	one	one	NUM
american_scientific_journal-689	28	4	of	of	ADP
american_scientific_journal-689	28	5	oldest	old	ADJ
american_scientific_journal-689	28	6	bank	bank	NOUN
american_scientific_journal-689	28	7	in	in	ADP
american_scientific_journal-689	28	8	pakistan	pakistan	PROPN
american_scientific_journal-689	28	9	which	which	PRON
american_scientific_journal-689	28	10	was	be	AUX
american_scientific_journal-689	28	11	formerly	formerly	ADV
american_scientific_journal-689	28	12	named	name	VERB
american_scientific_journal-689	28	13	as	as	ADP
american_scientific_journal-689	28	14	reserve	reserve	PROPN
american_scientific_journal-689	28	15	bank	bank	PROPN
american_scientific_journal-689	28	16	of	of	ADP
american_scientific_journal-689	28	17	india	india	PROPN
american_scientific_journal-689	28	18	before	before	ADP
american_scientific_journal-689	28	19	1947	1947	NUM
american_scientific_journal-689	28	20	.	.	PUNCT
american_scientific_journal-689	29	1	in	in	ADP
american_scientific_journal-689	29	2	pakistan	pakistan	PROPN
american_scientific_journal-689	29	3	9	9	NUM
american_scientific_journal-689	29	4	%	%	NOUN
american_scientific_journal-689	29	5	population	population	NOUN
american_scientific_journal-689	29	6	use	use	VERB
american_scientific_journal-689	29	7	the	the	DET
american_scientific_journal-689	29	8	banks	bank	NOUN
american_scientific_journal-689	29	9	.	.	PUNCT
american_scientific_journal-689	30	1	there	there	PRON
american_scientific_journal-689	30	2	are	be	VERB
american_scientific_journal-689	30	3	different	different	ADJ
american_scientific_journal-689	30	4	types	type	NOUN
american_scientific_journal-689	30	5	of	of	ADP
american_scientific_journal-689	30	6	banks	bank	NOUN
american_scientific_journal-689	30	7	in	in	ADP
american_scientific_journal-689	30	8	pakistan	pakistan	PROPN
american_scientific_journal-689	30	9	which	which	PRON
american_scientific_journal-689	30	10	work	work	VERB
american_scientific_journal-689	30	11	for	for	ADP
american_scientific_journal-689	30	12	the	the	DET
american_scientific_journal-689	30	13	prosperity	prosperity	NOUN
american_scientific_journal-689	30	14	and	and	CCONJ
american_scientific_journal-689	30	15	development	development	NOUN
american_scientific_journal-689	30	16	of	of	ADP
american_scientific_journal-689	30	17	country	country	NOUN
american_scientific_journal-689	30	18	which	which	PRON
american_scientific_journal-689	30	19	are	be	AUX
american_scientific_journal-689	30	20	as	as	ADP
american_scientific_journal-689	30	21	fellow	fellow	ADJ
american_scientific_journal-689	30	22	:	:	PUNCT
american_scientific_journal-689	30	23	1	1	X
american_scientific_journal-689	30	24	)	)	PUNCT
american_scientific_journal-689	30	25	nationalized	nationalize	VERB
american_scientific_journal-689	30	26	scheduled	schedule	VERB
american_scientific_journal-689	30	27	banks	bank	NOUN
american_scientific_journal-689	30	28	2)agriculture	2)agriculture	NUM
american_scientific_journal-689	30	29	,	,	PUNCT
american_scientific_journal-689	30	30	3)development	3)development	NUM
american_scientific_journal-689	30	31	bank	bank	NOUN
american_scientific_journal-689	30	32	,	,	PUNCT
american_scientific_journal-689	30	33	4)commercial	4)commercial	NUM
american_scientific_journal-689	30	34	bank,5	bank,5	NOUN
american_scientific_journal-689	30	35	)	)	PUNCT
american_scientific_journal-689	30	36	islamic	islamic	PROPN
american_scientific_journal-689	30	37	bank	bank	PROPN
american_scientific_journal-689	30	38	.the	.the	PROPN
american_scientific_journal-689	31	1	rapid	rapid	ADJ
american_scientific_journal-689	31	2	development	development	NOUN
american_scientific_journal-689	31	3	in	in	ADP
american_scientific_journal-689	31	4	technology	technology	NOUN
american_scientific_journal-689	31	5	is	be	AUX
american_scientific_journal-689	31	6	creating	create	VERB
american_scientific_journal-689	31	7	competition	competition	NOUN
american_scientific_journal-689	31	8	in	in	ADP
american_scientific_journal-689	31	9	financial	financial	ADJ
american_scientific_journal-689	31	10	institute	institute	NOUN
american_scientific_journal-689	31	11	all	all	ADV
american_scientific_journal-689	31	12	over	over	ADP
american_scientific_journal-689	31	13	the	the	DET
american_scientific_journal-689	31	14	world	world	NOUN
american_scientific_journal-689	31	15	.	.	PUNCT
american_scientific_journal-689	32	1	to	to	PART
american_scientific_journal-689	32	2	gain	gain	VERB
american_scientific_journal-689	32	3	the	the	DET
american_scientific_journal-689	32	4	competitive	competitive	ADJ
american_scientific_journal-689	32	5	edge	edge	NOUN
american_scientific_journal-689	32	6	;	;	PUNCT
american_scientific_journal-689	32	7	there	there	PRON
american_scientific_journal-689	32	8	is	be	VERB
american_scientific_journal-689	32	9	need	need	NOUN
american_scientific_journal-689	32	10	to	to	PART
american_scientific_journal-689	32	11	introduce	introduce	VERB
american_scientific_journal-689	32	12	the	the	DET
american_scientific_journal-689	32	13	e	e	NOUN
american_scientific_journal-689	32	14	-	-	NOUN
american_scientific_journal-689	32	15	banking	banking	NOUN
american_scientific_journal-689	32	16	in	in	ADP
american_scientific_journal-689	32	17	pakistan	pakistan	PROPN
american_scientific_journal-689	32	18	which	which	PRON
american_scientific_journal-689	32	19	includes	include	VERB
american_scientific_journal-689	32	20	the	the	DET
american_scientific_journal-689	32	21	online	online	ADJ
american_scientific_journal-689	32	22	banking	banking	NOUN
american_scientific_journal-689	32	23	through	through	ADP
american_scientific_journal-689	32	24	internet	internet	NOUN
american_scientific_journal-689	32	25	,	,	PUNCT
american_scientific_journal-689	32	26	bank	bank	NOUN
american_scientific_journal-689	32	27	operation	operation	NOUN
american_scientific_journal-689	32	28	through	through	ADP
american_scientific_journal-689	32	29	cellular	cellular	ADJ
american_scientific_journal-689	32	30	(	(	PUNCT
american_scientific_journal-689	32	31	mobile	mobile	NOUN
american_scientific_journal-689	32	32	)	)	PUNCT
american_scientific_journal-689	32	33	etc	etc	X
american_scientific_journal-689	32	34	.	.	X
american_scientific_journal-689	33	1	but	but	CCONJ
american_scientific_journal-689	33	2	there	there	PRON
american_scientific_journal-689	33	3	is	be	VERB
american_scientific_journal-689	33	4	also	also	ADV
american_scientific_journal-689	33	5	problem	problem	NOUN
american_scientific_journal-689	33	6	of	of	ADP
american_scientific_journal-689	33	7	cyber	cyber	NOUN
american_scientific_journal-689	33	8	-	-	PUNCT
american_scientific_journal-689	33	9	crime	crime	NOUN
american_scientific_journal-689	33	10	.	.	PUNCT
american_scientific_journal-689	34	1	cyber	cyber	NOUN
american_scientific_journal-689	34	2	-crimes	-crime	NOUN
american_scientific_journal-689	34	3	used	use	VERB
american_scientific_journal-689	34	4	by	by	ADP
american_scientific_journal-689	34	5	faculty	faculty	NOUN
american_scientific_journal-689	34	6	and	and	CCONJ
american_scientific_journal-689	34	7	students	student	NOUN
american_scientific_journal-689	34	8	for	for	ADP
american_scientific_journal-689	34	9	academic	academic	ADJ
american_scientific_journal-689	34	10	work	work	NOUN
american_scientific_journal-689	34	11	,	,	PUNCT
american_scientific_journal-689	34	12	and	and	CCONJ
american_scientific_journal-689	34	13	by	by	ADP
american_scientific_journal-689	34	14	other	other	ADJ
american_scientific_journal-689	34	15	authorities	authority	NOUN
american_scientific_journal-689	34	16	:	:	PUNCT
american_scientific_journal-689	34	17	purdue	purdue	ADJ
american_scientific_journal-689	34	18	computing	computing	NOUN
american_scientific_journal-689	34	19	environment	environment	NOUN
american_scientific_journal-689	34	20	mainly	mainly	ADV
american_scientific_journal-689	34	21	consists	consist	VERB
american_scientific_journal-689	34	22	of	of	ADP
american_scientific_journal-689	34	23	two	two	NUM
american_scientific_journal-689	34	24	mainframes	mainframe	NOUN
american_scientific_journal-689	34	25	.	.	PUNCT
american_scientific_journal-689	35	1	neither	neither	CCONJ
american_scientific_journal-689	35	2	was	be	AUX
american_scientific_journal-689	35	3	associated	associate	VERB
american_scientific_journal-689	35	4	with	with	ADP
american_scientific_journal-689	35	5	emerging	emerge	VERB
american_scientific_journal-689	35	6	internet	internet	NOUN
american_scientific_journal-689	35	7	.	.	PUNCT
american_scientific_journal-689	36	1	punched	punch	VERB
american_scientific_journal-689	36	2	card	card	NOUN
american_scientific_journal-689	36	3	system	system	NOUN
american_scientific_journal-689	36	4	,	,	PUNCT
american_scientific_journal-689	36	5	and	and	CCONJ
american_scientific_journal-689	36	6	"	"	PUNCT
american_scientific_journal-689	36	7	dumb	dumb	ADJ
american_scientific_journal-689	36	8	terminals	terminal	NOUN
american_scientific_journal-689	36	9	"	"	PUNCT
american_scientific_journal-689	36	10	(	(	PUNCT
american_scientific_journal-689	36	11	monitor	monitor	VERB
american_scientific_journal-689	36	12	and	and	CCONJ
american_scientific_journal-689	36	13	keyboard	keyboard	NOUN
american_scientific_journal-689	36	14	but	but	CCONJ
american_scientific_journal-689	36	15	with	with	ADP
american_scientific_journal-689	36	16	no	no	DET
american_scientific_journal-689	36	17	computing	computing	NOUN
american_scientific_journal-689	36	18	power	power	NOUN
american_scientific_journal-689	36	19	or	or	CCONJ
american_scientific_journal-689	36	20	memory	memory	NOUN
american_scientific_journal-689	36	21	machines	machine	NOUN
american_scientific_journal-689	36	22	)	)	PUNCT
american_scientific_journal-689	36	23	was	be	AUX
american_scientific_journal-689	36	24	obtained	obtain	VERB
american_scientific_journal-689	36	25	through	through	ADP
american_scientific_journal-689	36	26	.	.	PUNCT
american_scientific_journal-689	37	1	security	security	NOUN
american_scientific_journal-689	37	2	is	be	AUX
american_scientific_journal-689	37	3	primarily	primarily	ADV
american_scientific_journal-689	37	4	composed	compose	VERB
american_scientific_journal-689	37	5	of	of	ADP
american_scientific_journal-689	37	6	two	two	NUM
american_scientific_journal-689	37	7	systems	system	NOUN
american_scientific_journal-689	37	8	.	.	PUNCT
american_scientific_journal-689	38	1	first	first	ADV
american_scientific_journal-689	38	2	of	of	ADP
american_scientific_journal-689	38	3	all	all	DET
american_scientific_journal-689	38	4	accounts	account	NOUN
american_scientific_journal-689	38	5	and	and	CCONJ
american_scientific_journal-689	38	6	passwords	password	NOUN
american_scientific_journal-689	38	7	to	to	PART
american_scientific_journal-689	38	8	access	access	VERB
american_scientific_journal-689	38	9	the	the	DET
american_scientific_journal-689	38	10	machines	machine	NOUN
american_scientific_journal-689	38	11	are	be	AUX
american_scientific_journal-689	38	12	controlled	control	VERB
american_scientific_journal-689	38	13	by	by	ADP
american_scientific_journal-689	38	14	.	.	PUNCT
american_scientific_journal-689	39	1	second	second	ADJ
american_scientific_journal-689	39	2	,	,	PUNCT
american_scientific_journal-689	39	3	remote	remote	ADJ
american_scientific_journal-689	39	4	management	management	NOUN
american_scientific_journal-689	39	5	systems	system	NOUN
american_scientific_journal-689	39	6	and	and	CCONJ
american_scientific_journal-689	39	7	physical	physical	ADJ
american_scientific_journal-689	39	8	security	security	NOUN
american_scientific_journal-689	39	9	of	of	ADP
american_scientific_journal-689	39	10	sensitive	sensitive	ADJ
american_scientific_journal-689	39	11	data	datum	NOUN
american_scientific_journal-689	39	12	handled	handle	VERB
american_scientific_journal-689	39	13	by	by	ADP
american_scientific_journal-689	39	14	the	the	DET
american_scientific_journal-689	39	15	former	former	ADJ
american_scientific_journal-689	39	16	educational	educational	ADJ
american_scientific_journal-689	39	17	system	system	NOUN
american_scientific_journal-689	39	18	was	be	AUX
american_scientific_journal-689	39	19	separated	separate	VERB
american_scientific_journal-689	39	20	.	.	PUNCT
american_scientific_journal-689	40	1	we	we	PRON
american_scientific_journal-689	40	2	anti	anti	ADJ
american_scientific_journal-689	40	3	-	-	ADJ
american_scientific_journal-689	40	4	viral	viral	ADJ
american_scientific_journal-689	40	5	firewalls	firewall	NOUN
american_scientific_journal-689	40	6	,	,	PUNCT
american_scientific_journal-689	40	7	tools	tool	NOUN
american_scientific_journal-689	40	8	,	,	PUNCT
american_scientific_journal-689	40	9	vulnerability	vulnerability	NOUN
american_scientific_journal-689	40	10	scanners	scanner	NOUN
american_scientific_journal-689	40	11	to	to	ADP
american_scientific_journal-689	40	12	,	,	PUNCT
american_scientific_journal-689	40	13	or	or	CCONJ
american_scientific_journal-689	40	14	intrusion	intrusion	NOUN
american_scientific_journal-689	40	15	detection	detection	NOUN
american_scientific_journal-689	40	16	system	system	NOUN
american_scientific_journal-689	40	17	is	be	AUX
american_scientific_journal-689	40	18	used	use	VERB
american_scientific_journal-689	40	19	for	for	ADP
american_scientific_journal-689	40	20	,	,	PUNCT
american_scientific_journal-689	40	21	such	such	ADJ
american_scientific_journal-689	40	22	equipment	equipment	NOUN
american_scientific_journal-689	40	23	was	be	AUX
american_scientific_journal-689	40	24	not	not	PART
american_scientific_journal-689	40	25	in	in	ADP
american_scientific_journal-689	40	26	vented	vent	VERB
american_scientific_journal-689	40	27	automated	automate	VERB
american_scientific_journal-689	40	28	teller	teller	NOUN
american_scientific_journal-689	40	29	machine.atm	machine.atm	NOUN
american_scientific_journal-689	40	30	is	be	AUX
american_scientific_journal-689	40	31	the	the	DET
american_scientific_journal-689	40	32	latest	late	ADJ
american_scientific_journal-689	40	33	mean	mean	NOUN
american_scientific_journal-689	40	34	of	of	ADP
american_scientific_journal-689	40	35	technology	technology	NOUN
american_scientific_journal-689	40	36	in	in	ADP
american_scientific_journal-689	40	37	this	this	DET
american_scientific_journal-689	40	38	current	current	ADJ
american_scientific_journal-689	40	39	era	era	NOUN
american_scientific_journal-689	40	40	which	which	PRON
american_scientific_journal-689	40	41	is	be	AUX
american_scientific_journal-689	40	42	used	use	VERB
american_scientific_journal-689	40	43	to	to	PART
american_scientific_journal-689	40	44	withdraw	withdraw	VERB
american_scientific_journal-689	40	45	the	the	DET
american_scientific_journal-689	40	46	money	money	NOUN
american_scientific_journal-689	40	47	at	at	ADP
american_scientific_journal-689	40	48	any	any	DET
american_scientific_journal-689	40	49	time	time	NOUN
american_scientific_journal-689	40	50	by	by	ADP
american_scientific_journal-689	40	51	the	the	DET
american_scientific_journal-689	40	52	use	use	NOUN
american_scientific_journal-689	40	53	of	of	ADP
american_scientific_journal-689	40	54	valid	valid	ADJ
american_scientific_journal-689	40	55	card	card	NOUN
american_scientific_journal-689	40	56	through	through	ADP
american_scientific_journal-689	40	57	which	which	PRON
american_scientific_journal-689	40	58	one	one	PRON
american_scientific_journal-689	40	59	can	can	AUX
american_scientific_journal-689	40	60	operate	operate	VERB
american_scientific_journal-689	40	61	his	his	PRON
american_scientific_journal-689	40	62	account	account	NOUN
american_scientific_journal-689	40	63	according	accord	VERB
american_scientific_journal-689	40	64	to	to	ADP
american_scientific_journal-689	40	65	world	world	PROPN
american_scientific_journal-689	40	66	bank	bank	NOUN
american_scientific_journal-689	40	67	survey	survey	NOUN
american_scientific_journal-689	40	68	,	,	PUNCT
american_scientific_journal-689	40	69	2001	2001	NUM
american_scientific_journal-689	40	70	that	that	PRON
american_scientific_journal-689	40	71	e	e	VERB
american_scientific_journal-689	40	72	banking	banking	NOUN
american_scientific_journal-689	40	73	progress	progress	NOUN
american_scientific_journal-689	40	74	in	in	ADP
american_scientific_journal-689	40	75	developing	develop	VERB
american_scientific_journal-689	40	76	countries	country	NOUN
american_scientific_journal-689	40	77	are	be	AUX
american_scientific_journal-689	40	78	near	near	ADJ
american_scientific_journal-689	40	79	to	to	ADP
american_scientific_journal-689	40	80	6%.in	6%.in	NUM
american_scientific_journal-689	40	81	brazil	brazil	PROPN
american_scientific_journal-689	40	82	,	,	PUNCT
american_scientific_journal-689	40	83	the	the	DET
american_scientific_journal-689	40	84	total	total	ADJ
american_scientific_journal-689	40	85	users	user	NOUN
american_scientific_journal-689	40	86	of	of	ADP
american_scientific_journal-689	40	87	e	e	NOUN
american_scientific_journal-689	40	88	banking	banking	NOUN
american_scientific_journal-689	40	89	are	be	AUX
american_scientific_journal-689	40	90	9	9	NUM
american_scientific_journal-689	40	91	million	million	NUM
american_scientific_journal-689	40	92	.in	.in	PROPN
american_scientific_journal-689	40	93	mexico	mexico	PROPN
american_scientific_journal-689	40	94	,	,	PUNCT
american_scientific_journal-689	40	95	no	no	PRON
american_scientific_journal-689	40	96	of	of	ADP
american_scientific_journal-689	40	97	users	user	NOUN
american_scientific_journal-689	40	98	are	be	AUX
american_scientific_journal-689	40	99	1.26	1.26	NUM
american_scientific_journal-689	40	100	million	million	NUM
american_scientific_journal-689	40	101	.in	.in	PUNCT
american_scientific_journal-689	40	102	many	many	ADJ
american_scientific_journal-689	40	103	developing	develop	VERB
american_scientific_journal-689	40	104	countries	country	NOUN
american_scientific_journal-689	40	105	the	the	DET
american_scientific_journal-689	40	106	e	e	PROPN
american_scientific_journal-689	40	107	banking	banking	NOUN
american_scientific_journal-689	40	108	are	be	AUX
american_scientific_journal-689	40	109	still	still	ADV
american_scientific_journal-689	40	110	growing	grow	VERB
american_scientific_journal-689	40	111	.in	.in	PUNCT
american_scientific_journal-689	40	112	african	african	ADJ
american_scientific_journal-689	40	113	countries	country	NOUN
american_scientific_journal-689	40	114	the	the	DET
american_scientific_journal-689	40	115	usage	usage	NOUN
american_scientific_journal-689	40	116	of	of	ADP
american_scientific_journal-689	40	117	e	e	NOUN
american_scientific_journal-689	40	118	banking	banking	NOUN
american_scientific_journal-689	40	119	are	be	AUX
american_scientific_journal-689	40	120	started	start	VERB
american_scientific_journal-689	40	121	now	now	ADV
american_scientific_journal-689	40	122	.ebanking	.ebanke	VERB
american_scientific_journal-689	40	123	has	have	AUX
american_scientific_journal-689	40	124	destroyed	destroy	VERB
american_scientific_journal-689	40	125	the	the	DET
american_scientific_journal-689	40	126	previous	previous	ADJ
american_scientific_journal-689	40	127	banking	banking	NOUN
american_scientific_journal-689	40	128	due	due	ADP
american_scientific_journal-689	40	129	to	to	ADP
american_scientific_journal-689	40	130	its	its	PRON
american_scientific_journal-689	40	131	reasonably	reasonably	ADV
american_scientific_journal-689	40	132	priced	price	VERB
american_scientific_journal-689	40	133	.industries	.industrie	NOUN
american_scientific_journal-689	40	134	countries	country	NOUN
american_scientific_journal-689	40	135	are	be	AUX
american_scientific_journal-689	40	136	just	just	ADV
american_scientific_journal-689	40	137	using	use	VERB
american_scientific_journal-689	40	138	e	e	NOUN
american_scientific_journal-689	40	139	banking	banking	NOUN
american_scientific_journal-689	40	140	due	due	ADP
american_scientific_journal-689	40	141	to	to	ADP
american_scientific_journal-689	40	142	its	its	PRON
american_scientific_journal-689	40	143	fast	fast	ADJ
american_scientific_journal-689	40	144	service	service	NOUN
american_scientific_journal-689	40	145	.e	.e	NOUN
american_scientific_journal-689	41	1	banking	banking	NOUN
american_scientific_journal-689	41	2	has	have	AUX
american_scientific_journal-689	41	3	big	big	ADV
american_scientific_journal-689	41	4	attained	attain	VERB
american_scientific_journal-689	41	5	to	to	PART
american_scientific_journal-689	41	6	save	save	VERB
american_scientific_journal-689	41	7	time	time	NOUN
american_scientific_journal-689	41	8	but	but	CCONJ
american_scientific_journal-689	41	9	traditional	traditional	ADJ
american_scientific_journal-689	41	10	banking	banking	NOUN
american_scientific_journal-689	41	11	is	be	AUX
american_scientific_journal-689	41	12	very	very	ADV
american_scientific_journal-689	41	13	time	time	NOUN
american_scientific_journal-689	41	14	wasting	waste	VERB
american_scientific_journal-689	41	15	.e	.e	NOUN
american_scientific_journal-689	41	16	banking	banking	NOUN
american_scientific_journal-689	41	17	bring	bring	VERB
american_scientific_journal-689	41	18	a	a	DET
american_scientific_journal-689	41	19	new	new	ADJ
american_scientific_journal-689	41	20	idea	idea	NOUN
american_scientific_journal-689	41	21	and	and	CCONJ
american_scientific_journal-689	41	22	new	new	ADJ
american_scientific_journal-689	41	23	development	development	NOUN
american_scientific_journal-689	41	24	in	in	ADP
american_scientific_journal-689	41	25	world	world	NOUN
american_scientific_journal-689	41	26	banks	bank	NOUN
american_scientific_journal-689	41	27	in	in	ADP
american_scientific_journal-689	41	28	pakistan	pakistan	PROPN
american_scientific_journal-689	41	29	are	be	AUX
american_scientific_journal-689	41	30	controlled	control	VERB
american_scientific_journal-689	41	31	by	by	ADP
american_scientific_journal-689	41	32	state	state	PROPN
american_scientific_journal-689	41	33	bank	bank	PROPN
american_scientific_journal-689	41	34	of	of	ADP
american_scientific_journal-689	41	35	pakistan	pakistan	PROPN
american_scientific_journal-689	41	36	.	.	PUNCT
american_scientific_journal-689	42	1	.an	.an	PUNCT
american_scientific_journal-689	43	1	automated	automate	VERB
american_scientific_journal-689	43	2	teller	teller	NOUN
american_scientific_journal-689	43	3	machine	machine	NOUN
american_scientific_journal-689	43	4	(	(	PUNCT
american_scientific_journal-689	43	5	atm	atm	NOUN
american_scientific_journal-689	43	6	)	)	PUNCT
american_scientific_journal-689	43	7	is	be	AUX
american_scientific_journal-689	43	8	a	a	DET
american_scientific_journal-689	43	9	computerized	computerized	ADJ
american_scientific_journal-689	43	10	telecommunications	telecommunications	NOUN
american_scientific_journal-689	43	11	device	device	NOUN
american_scientific_journal-689	43	12	that	that	PRON
american_scientific_journal-689	43	13	provides	provide	VERB
american_scientific_journal-689	43	14	the	the	DET
american_scientific_journal-689	43	15	customers	customer	NOUN
american_scientific_journal-689	43	16	of	of	ADP
american_scientific_journal-689	43	17	a	a	DET
american_scientific_journal-689	43	18	bank	bank	NOUN
american_scientific_journal-689	43	19	permission	permission	NOUN
american_scientific_journal-689	43	20	to	to	PART
american_scientific_journal-689	43	21	enter	enter	VERB
american_scientific_journal-689	43	22	into	into	ADP
american_scientific_journal-689	43	23	financial	financial	ADJ
american_scientific_journal-689	43	24	dealings	dealing	NOUN
american_scientific_journal-689	43	25	in	in	ADP
american_scientific_journal-689	43	26	a	a	DET
american_scientific_journal-689	43	27	public	public	ADJ
american_scientific_journal-689	43	28	place	place	NOUN
american_scientific_journal-689	43	29	without	without	ADP
american_scientific_journal-689	43	30	the	the	DET
american_scientific_journal-689	43	31	need	need	NOUN
american_scientific_journal-689	43	32	for	for	ADP
american_scientific_journal-689	43	33	bank	bank	NOUN
american_scientific_journal-689	43	34	staff	staff	NOUN
american_scientific_journal-689	43	35	.	.	PUNCT
american_scientific_journal-689	44	1	on	on	ADP
american_scientific_journal-689	44	2	most	most	ADJ
american_scientific_journal-689	44	3	modern	modern	ADJ
american_scientific_journal-689	44	4	atms	atms	NOUN
american_scientific_journal-689	44	5	,	,	PUNCT
american_scientific_journal-689	44	6	the	the	DET
american_scientific_journal-689	44	7	customer	customer	NOUN
american_scientific_journal-689	44	8	is	be	AUX
american_scientific_journal-689	44	9	identified	identify	VERB
american_scientific_journal-689	44	10	by	by	ADP
american_scientific_journal-689	44	11	insert	insert	ADJ
american_scientific_journal-689	44	12	plastic	plastic	ADJ
american_scientific_journal-689	44	13	atm	atm	NOUN
american_scientific_journal-689	44	14	card	card	NOUN
american_scientific_journal-689	44	15	with	with	ADP
american_scientific_journal-689	44	16	a	a	DET
american_scientific_journal-689	44	17	magnetic	magnetic	ADJ
american_scientific_journal-689	44	18	stripe	stripe	NOUN
american_scientific_journal-689	44	19	or	or	CCONJ
american_scientific_journal-689	44	20	a	a	DET
american_scientific_journal-689	44	21	plastic	plastic	ADJ
american_scientific_journal-689	44	22	smart	smart	ADJ
american_scientific_journal-689	44	23	card	card	NOUN
american_scientific_journal-689	44	24	with	with	ADP
american_scientific_journal-689	44	25	75	75	NUM
american_scientific_journal-689	44	26	american	american	ADJ
american_scientific_journal-689	44	27	scientific	scientific	ADJ
american_scientific_journal-689	44	28	research	research	NOUN
american_scientific_journal-689	44	29	journal	journal	NOUN
american_scientific_journal-689	44	30	for	for	ADP
american_scientific_journal-689	44	31	engineering	engineering	NOUN
american_scientific_journal-689	44	32	,	,	PUNCT
american_scientific_journal-689	44	33	technology	technology	NOUN
american_scientific_journal-689	44	34	,	,	PUNCT
american_scientific_journal-689	44	35	and	and	CCONJ
american_scientific_journal-689	44	36	sciences	science	NOUN
american_scientific_journal-689	44	37	(	(	PUNCT
american_scientific_journal-689	44	38	asrjets	asrjet	NOUN
american_scientific_journal-689	44	39	)	)	PUNCT
american_scientific_journal-689	44	40	(	(	PUNCT
american_scientific_journal-689	44	41	2014	2014	NUM
american_scientific_journal-689	44	42	)	)	PUNCT
american_scientific_journal-689	44	43	volume	volume	NOUN
american_scientific_journal-689	44	44	10	10	NUM
american_scientific_journal-689	44	45	,	,	PUNCT
american_scientific_journal-689	44	46	no	no	DET
american_scientific_journal-689	44	47	1	1	NUM
american_scientific_journal-689	44	48	,	,	PUNCT
american_scientific_journal-689	44	49	pp	pp	ADV
american_scientific_journal-689	44	50	74	74	NUM
american_scientific_journal-689	44	51	-	-	SYM
american_scientific_journal-689	44	52	84	84	NUM
american_scientific_journal-689	44	53	a	a	DET
american_scientific_journal-689	44	54	chip	chip	NOUN
american_scientific_journal-689	44	55	,	,	PUNCT
american_scientific_journal-689	44	56	that	that	PRON
american_scientific_journal-689	44	57	contain	contain	VERB
american_scientific_journal-689	44	58	a	a	DET
american_scientific_journal-689	44	59	unique	unique	ADJ
american_scientific_journal-689	44	60	card	card	NOUN
american_scientific_journal-689	44	61	number	number	NOUN
american_scientific_journal-689	44	62	and	and	CCONJ
american_scientific_journal-689	44	63	some	some	DET
american_scientific_journal-689	44	64	security	security	NOUN
american_scientific_journal-689	44	65	information	information	NOUN
american_scientific_journal-689	44	66	,	,	PUNCT
american_scientific_journal-689	44	67	such	such	ADJ
american_scientific_journal-689	44	68	as	as	ADP
american_scientific_journal-689	44	69	name	name	NOUN
american_scientific_journal-689	44	70	,	,	PUNCT
american_scientific_journal-689	44	71	account	account	NOUN
american_scientific_journal-689	44	72	number	number	NOUN
american_scientific_journal-689	44	73	,	,	PUNCT
american_scientific_journal-689	44	74	issue	issue	NOUN
american_scientific_journal-689	44	75	/	/	SYM
american_scientific_journal-689	44	76	end	end	NOUN
american_scientific_journal-689	44	77	date	date	NOUN
american_scientific_journal-689	44	78	.	.	PUNCT
american_scientific_journal-689	45	1	safety	safety	NOUN
american_scientific_journal-689	45	2	is	be	AUX
american_scientific_journal-689	45	3	given	give	VERB
american_scientific_journal-689	45	4	by	by	ADP
american_scientific_journal-689	45	5	the	the	DET
american_scientific_journal-689	45	6	customer	customer	NOUN
american_scientific_journal-689	45	7	entering	enter	VERB
american_scientific_journal-689	45	8	a	a	DET
american_scientific_journal-689	45	9	personal	personal	ADJ
american_scientific_journal-689	45	10	identification	identification	NOUN
american_scientific_journal-689	45	11	number	number	NOUN
american_scientific_journal-689	45	12	(	(	PUNCT
american_scientific_journal-689	45	13	pin	pin	NOUN
american_scientific_journal-689	45	14	)	)	PUNCT
american_scientific_journal-689	45	15	.	.	PUNCT
american_scientific_journal-689	46	1	atms	atms	PROPN
american_scientific_journal-689	46	2	include	include	VERB
american_scientific_journal-689	46	3	many	many	ADJ
american_scientific_journal-689	46	4	functions	function	NOUN
american_scientific_journal-689	46	5	which	which	PRON
american_scientific_journal-689	46	6	are	be	AUX
american_scientific_journal-689	46	7	as	as	ADP
american_scientific_journal-689	46	8	fellow:1	fellow:1	NOUN
american_scientific_journal-689	46	9	)	)	PUNCT
american_scientific_journal-689	46	10	deposit	deposit	NOUN
american_scientific_journal-689	46	11	/	/	SYM
american_scientific_journal-689	46	12	with	with	ADP
american_scientific_journal-689	46	13	draw	draw	NOUN
american_scientific_journal-689	46	14	amount,2	amount,2	NOUN
american_scientific_journal-689	46	15	)	)	PUNCT
american_scientific_journal-689	46	16	paying	pay	VERB
american_scientific_journal-689	46	17	routine	routine	ADJ
american_scientific_journal-689	46	18	bills	bill	NOUN
american_scientific_journal-689	46	19	,	,	PUNCT
american_scientific_journal-689	46	20	fees	fee	NOUN
american_scientific_journal-689	46	21	,	,	PUNCT
american_scientific_journal-689	46	22	and	and	CCONJ
american_scientific_journal-689	46	23	3)taxes	3)taxes	NUM
american_scientific_journal-689	46	24	(	(	PUNCT
american_scientific_journal-689	46	25	utilities	utility	NOUN
american_scientific_journal-689	46	26	,	,	PUNCT
american_scientific_journal-689	46	27	phone	phone	NOUN
american_scientific_journal-689	46	28	bills	bill	NOUN
american_scientific_journal-689	46	29	,	,	PUNCT
american_scientific_journal-689	46	30	credit	credit	NOUN
american_scientific_journal-689	46	31	card	card	NOUN
american_scientific_journal-689	46	32	payments	payment	NOUN
american_scientific_journal-689	46	33	etc	etc	X
american_scientific_journal-689	46	34	.	.	X
american_scientific_journal-689	46	35	)	)	PUNCT
american_scientific_journal-689	47	1	printing	print	VERB
american_scientific_journal-689	47	2	bank	bank	NOUN
american_scientific_journal-689	47	3	statements	statement	NOUN
american_scientific_journal-689	47	4	updating	update	VERB
american_scientific_journal-689	47	5	password	password	NOUN
american_scientific_journal-689	47	6	purchasing	purchasing	NOUN
american_scientific_journal-689	47	7	(	(	PUNCT
american_scientific_journal-689	47	8	lottery	lottery	NOUN
american_scientific_journal-689	47	9	tickets	ticket	NOUN
american_scientific_journal-689	47	10	,	,	PUNCT
american_scientific_journal-689	47	11	train	train	NOUN
american_scientific_journal-689	47	12	tickets	ticket	NOUN
american_scientific_journal-689	47	13	,	,	PUNCT
american_scientific_journal-689	47	14	concert	concert	NOUN
american_scientific_journal-689	47	15	tickets	ticket	NOUN
american_scientific_journal-689	47	16	,	,	PUNCT
american_scientific_journal-689	47	17	movie	movie	NOUN
american_scientific_journal-689	47	18	tickets	ticket	NOUN
american_scientific_journal-689	47	19	,	,	PUNCT
american_scientific_journal-689	47	20	shopping	shopping	NOUN
american_scientific_journal-689	47	21	mall	mall	NOUN
american_scientific_journal-689	47	22	gift	gift	NOUN
american_scientific_journal-689	47	23	certificates	certificate	NOUN
american_scientific_journal-689	47	24	,	,	PUNCT
american_scientific_journal-689	47	25	games	game	NOUN
american_scientific_journal-689	47	26	and	and	CCONJ
american_scientific_journal-689	47	27	promotional	promotional	ADJ
american_scientific_journal-689	47	28	features	feature	NOUN
american_scientific_journal-689	47	29	donating	donate	VERB
american_scientific_journal-689	47	30	to	to	ADP
american_scientific_journal-689	47	31	charities	charity	NOUN
american_scientific_journal-689	47	32	adding	add	VERB
american_scientific_journal-689	47	33	pre	pre	ADJ
american_scientific_journal-689	47	34	-	-	ADJ
american_scientific_journal-689	47	35	paid	pay	VERB
american_scientific_journal-689	47	36	cell	cell	NOUN
american_scientific_journal-689	47	37	phone	phone	NOUN
american_scientific_journal-689	47	38	credit	credit	NOUN
american_scientific_journal-689	47	39	.but	.but	PUNCT
american_scientific_journal-689	48	1	it	it	PRON
american_scientific_journal-689	48	2	contains	contain	VERB
american_scientific_journal-689	48	3	some	some	DET
american_scientific_journal-689	48	4	barriers	barrier	NOUN
american_scientific_journal-689	48	5	to	to	PART
american_scientific_journal-689	48	6	use	use	VERB
american_scientific_journal-689	48	7	it	it	PRON
american_scientific_journal-689	48	8	such	such	ADJ
american_scientific_journal-689	48	9	as	as	ADP
american_scientific_journal-689	48	10	vision	vision	NOUN
american_scientific_journal-689	48	11	ally	ally	NOUN
american_scientific_journal-689	48	12	impair	impair	VERB
american_scientific_journal-689	48	13	,	,	PUNCT
american_scientific_journal-689	48	14	and	and	CCONJ
american_scientific_journal-689	48	15	blind	blind	ADJ
american_scientific_journal-689	48	16	person	person	NOUN
american_scientific_journal-689	48	17	could	could	AUX
american_scientific_journal-689	48	18	not	not	PART
american_scientific_journal-689	48	19	use	use	VERB
american_scientific_journal-689	48	20	it	it	PRON
american_scientific_journal-689	48	21	.	.	PUNCT
american_scientific_journal-689	49	1	it	it	PRON
american_scientific_journal-689	49	2	is	be	AUX
american_scientific_journal-689	49	3	the	the	DET
american_scientific_journal-689	49	4	latest	late	ADJ
american_scientific_journal-689	49	5	version	version	NOUN
american_scientific_journal-689	49	6	of	of	ADP
american_scientific_journal-689	49	7	banking	banking	NOUN
american_scientific_journal-689	49	8	in	in	ADP
american_scientific_journal-689	49	9	this	this	DET
american_scientific_journal-689	49	10	current	current	ADJ
american_scientific_journal-689	49	11	era	era	NOUN
american_scientific_journal-689	49	12	,	,	PUNCT
american_scientific_journal-689	49	13	it	it	PRON
american_scientific_journal-689	49	14	seems	seem	VERB
american_scientific_journal-689	49	15	to	to	PART
american_scientific_journal-689	49	16	have	have	VERB
american_scientific_journal-689	49	17	a	a	DET
american_scientific_journal-689	49	18	bank	bank	NOUN
american_scientific_journal-689	49	19	in	in	ADP
american_scientific_journal-689	49	20	pocket	pocket	NOUN
american_scientific_journal-689	49	21	.	.	PUNCT
american_scientific_journal-689	50	1	mobile	mobile	ADJ
american_scientific_journal-689	50	2	phone	phone	NOUN
american_scientific_journal-689	50	3	banking	banking	NOUN
american_scientific_journal-689	50	4	enable	enable	VERB
american_scientific_journal-689	50	5	consumer	consumer	NOUN
american_scientific_journal-689	50	6	to	to	PART
american_scientific_journal-689	50	7	have	have	VERB
american_scientific_journal-689	50	8	the	the	DET
american_scientific_journal-689	50	9	full	full	ADJ
american_scientific_journal-689	50	10	access	access	NOUN
american_scientific_journal-689	50	11	of	of	ADP
american_scientific_journal-689	50	12	bank	bank	NOUN
american_scientific_journal-689	50	13	operations	operation	NOUN
american_scientific_journal-689	50	14	such	such	ADJ
american_scientific_journal-689	50	15	as	as	ADP
american_scientific_journal-689	50	16	transfer	transfer	NOUN
american_scientific_journal-689	50	17	of	of	ADP
american_scientific_journal-689	50	18	funds	fund	NOUN
american_scientific_journal-689	50	19	,	,	PUNCT
american_scientific_journal-689	50	20	paying	pay	VERB
american_scientific_journal-689	50	21	utility	utility	NOUN
american_scientific_journal-689	50	22	bills	bill	NOUN
american_scientific_journal-689	50	23	,	,	PUNCT
american_scientific_journal-689	50	24	bank	bank	NOUN
american_scientific_journal-689	50	25	statement	statement	NOUN
american_scientific_journal-689	50	26	and	and	CCONJ
american_scientific_journal-689	50	27	account	account	NOUN
american_scientific_journal-689	50	28	updates	update	NOUN
american_scientific_journal-689	50	29	at	at	ADP
american_scientific_journal-689	50	30	any	any	DET
american_scientific_journal-689	50	31	time	time	NOUN
american_scientific_journal-689	50	32	.the	.the	DET
american_scientific_journal-689	50	33	use	use	NOUN
american_scientific_journal-689	50	34	of	of	ADP
american_scientific_journal-689	50	35	internet	internet	NOUN
american_scientific_journal-689	50	36	can	can	AUX
american_scientific_journal-689	50	37	help	help	VERB
american_scientific_journal-689	50	38	us	we	PRON
american_scientific_journal-689	50	39	to	to	PART
american_scientific_journal-689	50	40	assess	assess	VERB
american_scientific_journal-689	50	41	our	our	PRON
american_scientific_journal-689	50	42	account	account	NOUN
american_scientific_journal-689	50	43	information	information	NOUN
american_scientific_journal-689	50	44	.	.	PUNCT
american_scientific_journal-689	51	1	it	it	PRON
american_scientific_journal-689	51	2	helps	help	VERB
american_scientific_journal-689	51	3	us	we	PRON
american_scientific_journal-689	51	4	to	to	PART
american_scientific_journal-689	51	5	transfer	transfer	VERB
american_scientific_journal-689	51	6	our	our	PRON
american_scientific_journal-689	51	7	amount	amount	NOUN
american_scientific_journal-689	51	8	,	,	PUNCT
american_scientific_journal-689	51	9	and	and	CCONJ
american_scientific_journal-689	51	10	check	check	VERB
american_scientific_journal-689	51	11	our	our	PRON
american_scientific_journal-689	51	12	detail	detail	NOUN
american_scientific_journal-689	51	13	through	through	ADP
american_scientific_journal-689	51	14	pc	pc	NOUN
american_scientific_journal-689	51	15	and	and	CCONJ
american_scientific_journal-689	51	16	smart	smart	ADJ
american_scientific_journal-689	51	17	phone	phone	NOUN
american_scientific_journal-689	51	18	.	.	PUNCT
american_scientific_journal-689	52	1	electronic	electronic	ADJ
american_scientific_journal-689	52	2	cash	cash	NOUN
american_scientific_journal-689	52	3	:	:	PUNCT
american_scientific_journal-689	52	4	electronic	electronic	ADJ
american_scientific_journal-689	52	5	cash	cash	NOUN
american_scientific_journal-689	52	6	can	can	AUX
american_scientific_journal-689	52	7	be	be	AUX
american_scientific_journal-689	52	8	transferred	transfer	VERB
american_scientific_journal-689	52	9	through	through	ADP
american_scientific_journal-689	52	10	mobile	mobile	ADJ
american_scientific_journal-689	52	11	phone	phone	NOUN
american_scientific_journal-689	52	12	and	and	CCONJ
american_scientific_journal-689	52	13	pc	pc	NOUN
american_scientific_journal-689	52	14	.	.	PUNCT
american_scientific_journal-689	53	1	it	it	PRON
american_scientific_journal-689	53	2	is	be	AUX
american_scientific_journal-689	53	3	one	one	NUM
american_scientific_journal-689	53	4	of	of	ADP
american_scientific_journal-689	53	5	easiest	easy	ADJ
american_scientific_journal-689	53	6	mode	mode	NOUN
american_scientific_journal-689	53	7	of	of	ADP
american_scientific_journal-689	53	8	payment	payment	NOUN
american_scientific_journal-689	53	9	and	and	CCONJ
american_scientific_journal-689	53	10	receives	receive	VERB
american_scientific_journal-689	53	11	the	the	DET
american_scientific_journal-689	53	12	amount	amount	NOUN
american_scientific_journal-689	53	13	,	,	PUNCT
american_scientific_journal-689	53	14	the	the	DET
american_scientific_journal-689	53	15	introduction	introduction	NOUN
american_scientific_journal-689	53	16	of	of	ADP
american_scientific_journal-689	53	17	e	e	NOUN
american_scientific_journal-689	53	18	-	-	ADJ
american_scientific_journal-689	53	19	banking	banking	ADJ
american_scientific_journal-689	53	20	enable	enable	ADJ
american_scientific_journal-689	53	21	consumer	consumer	NOUN
american_scientific_journal-689	53	22	to	to	PART
american_scientific_journal-689	53	23	perform	perform	VERB
american_scientific_journal-689	53	24	the	the	DET
american_scientific_journal-689	53	25	operations	operation	NOUN
american_scientific_journal-689	53	26	of	of	ADP
american_scientific_journal-689	53	27	banking	bank	VERB
american_scientific_journal-689	53	28	more	more	ADV
american_scientific_journal-689	53	29	conveniently	conveniently	ADV
american_scientific_journal-689	53	30	such	such	ADJ
american_scientific_journal-689	53	31	as	as	ADP
american_scientific_journal-689	53	32	payment	payment	NOUN
american_scientific_journal-689	53	33	methods	method	NOUN
american_scientific_journal-689	53	34	and	and	CCONJ
american_scientific_journal-689	53	35	more	more	ADJ
american_scientific_journal-689	53	36	user	user	NOUN
american_scientific_journal-689	53	37	friendly	friendly	ADJ
american_scientific_journal-689	53	38	banking	banking	NOUN
american_scientific_journal-689	53	39	services	service	NOUN
american_scientific_journal-689	53	40	.	.	PUNCT
american_scientific_journal-689	54	1	internet	internet	NOUN
american_scientific_journal-689	54	2	banking	banking	NOUN
american_scientific_journal-689	54	3	in	in	ADP
american_scientific_journal-689	54	4	pakistan	pakistan	PROPN
american_scientific_journal-689	54	5	has	have	AUX
american_scientific_journal-689	54	6	been	be	AUX
american_scientific_journal-689	54	7	undergoing	undergo	VERB
american_scientific_journal-689	54	8	many	many	ADJ
american_scientific_journal-689	54	9	changes	change	NOUN
american_scientific_journal-689	54	10	such	such	ADJ
american_scientific_journal-689	54	11	as	as	SCONJ
american_scientific_journal-689	54	12	can	can	AUX
american_scientific_journal-689	54	13	transfer	transfer	VERB
american_scientific_journal-689	54	14	amount	amount	NOUN
american_scientific_journal-689	54	15	,	,	PUNCT
american_scientific_journal-689	54	16	and	and	CCONJ
american_scientific_journal-689	54	17	collect	collect	VERB
american_scientific_journal-689	54	18	cash	cash	NOUN
american_scientific_journal-689	54	19	without	without	ADP
american_scientific_journal-689	54	20	physically	physically	ADV
american_scientific_journal-689	54	21	presence	presence	NOUN
american_scientific_journal-689	54	22	.	.	PUNCT
american_scientific_journal-689	55	1	e	e	X
american_scientific_journal-689	55	2	-	-	NOUN
american_scientific_journal-689	55	3	banking	banking	NOUN
american_scientific_journal-689	55	4	is	be	AUX
american_scientific_journal-689	55	5	the	the	DET
american_scientific_journal-689	55	6	less	less	ADJ
american_scientific_journal-689	55	7	time	time	NOUN
american_scientific_journal-689	55	8	consuming	consume	VERB
american_scientific_journal-689	55	9	method	method	NOUN
american_scientific_journal-689	55	10	which	which	PRON
american_scientific_journal-689	55	11	enable	enable	VERB
american_scientific_journal-689	55	12	consumer	consumer	NOUN
american_scientific_journal-689	55	13	to	to	PART
american_scientific_journal-689	55	14	purchase	purchase	VERB
american_scientific_journal-689	55	15	any	any	DET
american_scientific_journal-689	55	16	product	product	NOUN
american_scientific_journal-689	55	17	by	by	ADP
american_scientific_journal-689	55	18	sitting	sit	VERB
american_scientific_journal-689	55	19	at	at	ADP
american_scientific_journal-689	55	20	home	home	NOUN
american_scientific_journal-689	55	21	with	with	ADP
american_scientific_journal-689	55	22	in	in	ADP
american_scientific_journal-689	55	23	no	no	DET
american_scientific_journal-689	55	24	time	time	NOUN
american_scientific_journal-689	55	25	,	,	PUNCT
american_scientific_journal-689	55	26	confirm	confirm	VERB
american_scientific_journal-689	55	27	ticket	ticket	NOUN
american_scientific_journal-689	55	28	for	for	ADP
american_scientific_journal-689	55	29	travelling	travel	VERB
american_scientific_journal-689	55	30	,	,	PUNCT
american_scientific_journal-689	55	31	facilitate	facilitate	NOUN
american_scientific_journal-689	55	32	business	business	NOUN
american_scientific_journal-689	55	33	it	it	PRON
american_scientific_journal-689	55	34	is	be	AUX
american_scientific_journal-689	55	35	a	a	DET
american_scientific_journal-689	55	36	payments	payment	NOUN
american_scientific_journal-689	55	37	from	from	ADP
american_scientific_journal-689	55	38	which	which	PRON
american_scientific_journal-689	55	39	helps	help	VERB
american_scientific_journal-689	55	40	to	to	PART
american_scientific_journal-689	55	41	tackle	tackle	VERB
american_scientific_journal-689	55	42	the	the	DET
american_scientific_journal-689	55	43	problem	problem	NOUN
american_scientific_journal-689	55	44	payment	payment	NOUN
american_scientific_journal-689	55	45	at	at	ADP
american_scientific_journal-689	55	46	the	the	DET
american_scientific_journal-689	55	47	spot	spot	NOUN
american_scientific_journal-689	55	48	.	.	PUNCT
american_scientific_journal-689	56	1	through	through	ADP
american_scientific_journal-689	56	2	which	which	PRON
american_scientific_journal-689	56	3	,	,	PUNCT
american_scientific_journal-689	56	4	we	we	PRON
american_scientific_journal-689	56	5	deal	deal	VERB
american_scientific_journal-689	56	6	first	first	ADV
american_scientific_journal-689	56	7	then	then	ADV
american_scientific_journal-689	56	8	will	will	AUX
american_scientific_journal-689	56	9	pay	pay	VERB
american_scientific_journal-689	56	10	.	.	PUNCT
american_scientific_journal-689	57	1	payments	payment	NOUN
american_scientific_journal-689	57	2	will	will	AUX
american_scientific_journal-689	57	3	be	be	AUX
american_scientific_journal-689	57	4	depending	depend	VERB
american_scientific_journal-689	57	5	on	on	ADP
american_scientific_journal-689	57	6	the	the	DET
american_scientific_journal-689	57	7	terms	term	NOUN
american_scientific_journal-689	57	8	and	and	CCONJ
american_scientific_journal-689	57	9	conditions	condition	NOUN
american_scientific_journal-689	57	10	of	of	ADP
american_scientific_journal-689	57	11	banks	bank	NOUN
american_scientific_journal-689	57	12	.	.	PUNCT
american_scientific_journal-689	58	1	1.1	1.1	NUM
american_scientific_journal-689	58	2	objectives	objective	NOUN
american_scientific_journal-689	58	3	1	1	NUM
american_scientific_journal-689	58	4	)	)	PUNCT
american_scientific_journal-689	58	5	it	it	PRON
american_scientific_journal-689	58	6	is	be	AUX
american_scientific_journal-689	58	7	best	good	ADJ
american_scientific_journal-689	58	8	way	way	NOUN
american_scientific_journal-689	58	9	to	to	PART
american_scientific_journal-689	58	10	save	save	VERB
american_scientific_journal-689	58	11	the	the	DET
american_scientific_journal-689	58	12	time	time	NOUN
american_scientific_journal-689	58	13	.	.	PUNCT
american_scientific_journal-689	59	1	e	e	NOUN
american_scientific_journal-689	59	2	banking	banking	NOUN
american_scientific_journal-689	59	3	is	be	AUX
american_scientific_journal-689	59	4	useful	useful	ADJ
american_scientific_journal-689	59	5	to	to	PART
american_scientific_journal-689	59	6	reduce	reduce	VERB
american_scientific_journal-689	59	7	operation	operation	NOUN
american_scientific_journal-689	59	8	expenses	expense	NOUN
american_scientific_journal-689	59	9	.	.	PUNCT
american_scientific_journal-689	60	1	2	2	NUM
american_scientific_journal-689	60	2	)	)	PUNCT
american_scientific_journal-689	60	3	.	.	PUNCT
american_scientific_journal-689	61	1	e	e	X
american_scientific_journal-689	61	2	banking	banking	NOUN
american_scientific_journal-689	61	3	has	have	VERB
american_scientific_journal-689	61	4	main	main	ADJ
american_scientific_journal-689	61	5	role	role	NOUN
american_scientific_journal-689	61	6	to	to	PART
american_scientific_journal-689	61	7	reduce	reduce	VERB
american_scientific_journal-689	61	8	hectic	hectic	ADJ
american_scientific_journal-689	61	9	manual	manual	ADJ
american_scientific_journal-689	61	10	work	work	NOUN
american_scientific_journal-689	61	11	.chance	.chance	NOUN
american_scientific_journal-689	61	12	of	of	ADP
american_scientific_journal-689	61	13	errors	error	NOUN
american_scientific_journal-689	61	14	is	be	AUX
american_scientific_journal-689	61	15	very	very	ADV
american_scientific_journal-689	61	16	low	low	ADJ
american_scientific_journal-689	61	17	in	in	ADP
american_scientific_journal-689	61	18	case	case	NOUN
american_scientific_journal-689	61	19	of	of	ADP
american_scientific_journal-689	61	20	e	e	PROPN
american_scientific_journal-689	61	21	banking	banking	NOUN
american_scientific_journal-689	61	22	.	.	PUNCT
american_scientific_journal-689	62	1	3	3	X
american_scientific_journal-689	62	2	)	)	PUNCT
american_scientific_journal-689	62	3	it	it	PRON
american_scientific_journal-689	62	4	is	be	AUX
american_scientific_journal-689	62	5	also	also	ADV
american_scientific_journal-689	62	6	helpful	helpful	ADJ
american_scientific_journal-689	62	7	to	to	PART
american_scientific_journal-689	62	8	provide	provide	VERB
american_scientific_journal-689	62	9	the	the	DET
american_scientific_journal-689	62	10	cash	cash	NOUN
american_scientific_journal-689	62	11	management	management	NOUN
american_scientific_journal-689	62	12	to	to	ADP
american_scientific_journal-689	62	13	internet	internet	NOUN
american_scientific_journal-689	62	14	market	market	NOUN
american_scientific_journal-689	62	15	optimization	optimization	NOUN
american_scientific_journal-689	62	16	including	include	VERB
american_scientific_journal-689	62	17	see	see	NOUN
american_scientific_journal-689	62	18	,	,	PUNCT
american_scientific_journal-689	62	19	pap	pap	X
american_scientific_journal-689	62	20	etc	etc	X
american_scientific_journal-689	62	21	.	.	PUNCT
american_scientific_journal-689	63	1	it	it	PRON
american_scientific_journal-689	63	2	is	be	AUX
american_scientific_journal-689	63	3	a	a	DET
american_scientific_journal-689	63	4	24	24	NUM
american_scientific_journal-689	63	5	hours	hour	NOUN
american_scientific_journal-689	63	6	service	service	NOUN
american_scientific_journal-689	63	7	we	we	PRON
american_scientific_journal-689	63	8	can	can	AUX
american_scientific_journal-689	63	9	take	take	VERB
american_scientific_journal-689	63	10	funds	fund	NOUN
american_scientific_journal-689	63	11	at	at	ADP
american_scientific_journal-689	63	12	any	any	DET
american_scientific_journal-689	63	13	time	time	NOUN
american_scientific_journal-689	63	14	.	.	PUNCT
american_scientific_journal-689	64	1	4	4	X
american_scientific_journal-689	64	2	)	)	PUNCT
american_scientific_journal-689	64	3	e	e	NOUN
american_scientific_journal-689	64	4	banking	banking	NOUN
american_scientific_journal-689	64	5	is	be	AUX
american_scientific_journal-689	64	6	very	very	ADV
american_scientific_journal-689	64	7	convenience	convenience	NOUN
american_scientific_journal-689	64	8	way	way	NOUN
american_scientific_journal-689	64	9	there	there	PRON
american_scientific_journal-689	64	10	is	be	VERB
american_scientific_journal-689	64	11	no	no	DET
american_scientific_journal-689	64	12	need	need	NOUN
american_scientific_journal-689	64	13	to	to	PART
american_scientific_journal-689	64	14	stands	stand	VERB
american_scientific_journal-689	64	15	in	in	ADP
american_scientific_journal-689	64	16	long	long	ADJ
american_scientific_journal-689	64	17	lines	line	NOUN
american_scientific_journal-689	64	18	and	and	CCONJ
american_scientific_journal-689	64	19	visits	visit	NOUN
american_scientific_journal-689	64	20	.	.	PUNCT
american_scientific_journal-689	65	1	with	with	ADP
american_scientific_journal-689	65	2	the	the	DET
american_scientific_journal-689	65	3	help	help	NOUN
american_scientific_journal-689	65	4	of	of	ADP
american_scientific_journal-689	65	5	e	e	NOUN
american_scientific_journal-689	65	6	banking	banking	NOUN
american_scientific_journal-689	65	7	payment	payment	NOUN
american_scientific_journal-689	65	8	of	of	ADP
american_scientific_journal-689	65	9	utility	utility	NOUN
american_scientific_journal-689	65	10	bills	bill	NOUN
american_scientific_journal-689	65	11	are	be	AUX
american_scientific_journal-689	65	12	easy	easy	ADJ
american_scientific_journal-689	65	13	.	.	PUNCT
american_scientific_journal-689	66	1	2	2	X
american_scientific_journal-689	66	2	.	.	X
american_scientific_journal-689	66	3	literate	literate	ADJ
american_scientific_journal-689	66	4	review	review	NOUN
american_scientific_journal-689	66	5	different	different	ADJ
american_scientific_journal-689	66	6	researches	research	NOUN
american_scientific_journal-689	66	7	have	have	AUX
american_scientific_journal-689	66	8	proved	prove	VERB
american_scientific_journal-689	66	9	that	that	SCONJ
american_scientific_journal-689	66	10	e	e	NOUN
american_scientific_journal-689	66	11	banking	banking	NOUN
american_scientific_journal-689	66	12	can	can	AUX
american_scientific_journal-689	66	13	perform	perform	VERB
american_scientific_journal-689	66	14	different	different	ADJ
american_scientific_journal-689	66	15	services	service	NOUN
american_scientific_journal-689	66	16	through	through	ADP
american_scientific_journal-689	66	17	internet	internet	NOUN
american_scientific_journal-689	66	18	.	.	PUNCT
american_scientific_journal-689	67	1	according	accord	VERB
american_scientific_journal-689	67	2	to	to	ADP
american_scientific_journal-689	67	3	different	different	ADJ
american_scientific_journal-689	67	4	consumers	consumer	NOUN
american_scientific_journal-689	67	5	e	e	ADP
american_scientific_journal-689	67	6	banking	banking	NOUN
american_scientific_journal-689	67	7	means	mean	VERB
american_scientific_journal-689	67	8	24	24	NUM
american_scientific_journal-689	67	9	hours	hour	NOUN
american_scientific_journal-689	67	10	service	service	NOUN
american_scientific_journal-689	67	11	.	.	PUNCT
american_scientific_journal-689	68	1	there	there	PRON
american_scientific_journal-689	68	2	are	be	VERB
american_scientific_journal-689	68	3	some	some	DET
american_scientific_journal-689	68	4	other	other	ADJ
american_scientific_journal-689	68	5	forms	form	NOUN
american_scientific_journal-689	68	6	of	of	ADP
american_scientific_journal-689	68	7	debit	debit	NOUN
american_scientific_journal-689	68	8	card	card	NOUN
american_scientific_journal-689	68	9	in	in	ADP
american_scientific_journal-689	68	10	this	this	DET
american_scientific_journal-689	68	11	form	form	NOUN
american_scientific_journal-689	68	12	need	need	VERB
american_scientific_journal-689	68	13	signature	signature	NOUN
american_scientific_journal-689	68	14	.	.	PUNCT
american_scientific_journal-689	69	1	e	e	X
american_scientific_journal-689	69	2	banking	banking	NOUN
american_scientific_journal-689	69	3	uses	use	VERB
american_scientific_journal-689	69	4	atm	atm	ADV
american_scientific_journal-689	69	5	as	as	ADP
american_scientific_journal-689	69	6	a	a	DET
american_scientific_journal-689	69	7	substitute	substitute	NOUN
american_scientific_journal-689	69	8	for	for	ADP
american_scientific_journal-689	69	9	the	the	DET
american_scientific_journal-689	69	10	place	place	NOUN
american_scientific_journal-689	69	11	of	of	ADP
american_scientific_journal-689	69	12	.	.	PUNCT
american_scientific_journal-689	70	1	e	e	NOUN
american_scientific_journal-689	70	2	banking	banking	NOUN
american_scientific_journal-689	70	3	is	be	AUX
american_scientific_journal-689	70	4	one	one	NUM
american_scientific_journal-689	70	5	of	of	ADP
american_scientific_journal-689	70	6	the	the	DET
american_scientific_journal-689	70	7	products	product	NOUN
american_scientific_journal-689	70	8	of	of	ADP
american_scientific_journal-689	70	9	e	e	PROPN
american_scientific_journal-689	70	10	commerce	commerce	NOUN
american_scientific_journal-689	70	11	that	that	PRON
american_scientific_journal-689	70	12	provide	provide	VERB
american_scientific_journal-689	70	13	the	the	DET
american_scientific_journal-689	70	14	services	service	NOUN
american_scientific_journal-689	70	15	customers	customer	NOUN
american_scientific_journal-689	70	16	to	to	ADP
american_scientific_journal-689	70	17	the	the	DET
american_scientific_journal-689	70	18	large	large	ADJ
american_scientific_journal-689	70	19	amount	amount	NOUN
american_scientific_journal-689	70	20	of	of	ADP
american_scientific_journal-689	70	21	customers	customer	NOUN
american_scientific_journal-689	70	22	.technological	.technological	DET
american_scientific_journal-689	70	23	advancement	advancement	NOUN
american_scientific_journal-689	70	24	are	be	AUX
american_scientific_journal-689	70	25	the	the	DET
american_scientific_journal-689	70	26	part	part	NOUN
american_scientific_journal-689	70	27	of	of	ADP
american_scientific_journal-689	70	28	regulation	regulation	NOUN
american_scientific_journal-689	70	29	of	of	ADP
american_scientific_journal-689	70	30	the	the	DET
american_scientific_journal-689	70	31	electronic	electronic	ADJ
american_scientific_journal-689	70	32	transactions	transaction	NOUN
american_scientific_journal-689	70	33	.	.	PUNCT
american_scientific_journal-689	71	1	bowen	bowen	NOUN
american_scientific_journal-689	72	1	[	[	X
american_scientific_journal-689	72	2	1	1	X
american_scientific_journal-689	72	3	]	]	PUNCT
american_scientific_journal-689	72	4	concluded	conclude	VERB
american_scientific_journal-689	72	5	that	that	SCONJ
american_scientific_journal-689	72	6	when	when	SCONJ
american_scientific_journal-689	72	7	front	front	ADJ
american_scientific_journal-689	72	8	-	-	PUNCT
american_scientific_journal-689	72	9	line	line	NOUN
american_scientific_journal-689	72	10	employees	employee	NOUN
american_scientific_journal-689	72	11	feel	feel	VERB
american_scientific_journal-689	72	12	they	they	PRON
american_scientific_journal-689	72	13	have	have	AUX
american_scientific_journal-689	72	14	been	be	AUX
american_scientific_journal-689	72	15	treated	treat	VERB
american_scientific_journal-689	72	16	fairly	fairly	ADV
american_scientific_journal-689	72	17	,	,	PUNCT
american_scientific_journal-689	72	18	they	they	PRON
american_scientific_journal-689	72	19	are	be	AUX
american_scientific_journal-689	72	20	more	more	ADV
american_scientific_journal-689	72	21	likely	likely	ADJ
american_scientific_journal-689	72	22	to	to	PART
american_scientific_journal-689	72	23	treat	treat	VERB
american_scientific_journal-689	72	24	the	the	DET
american_scientific_journal-689	72	25	customers	customer	NOUN
american_scientific_journal-689	72	26	fairly	fairly	ADV
american_scientific_journal-689	72	27	.	.	PUNCT
american_scientific_journal-689	73	1	in	in	ADP
american_scientific_journal-689	73	2	a	a	DET
american_scientific_journal-689	73	3	subsequent	subsequent	ADJ
american_scientific_journal-689	73	4	study	study	NOUN
american_scientific_journal-689	73	5	of	of	ADP
american_scientific_journal-689	73	6	the	the	DET
american_scientific_journal-689	73	7	relationship	relationship	NOUN
american_scientific_journal-689	73	8	between	between	ADP
american_scientific_journal-689	73	9	bank	bank	NOUN
american_scientific_journal-689	73	10	employees	employee	NOUN
american_scientific_journal-689	73	11	and	and	CCONJ
american_scientific_journal-689	73	12	customers	customer	NOUN
american_scientific_journal-689	73	13	,	,	PUNCT
american_scientific_journal-689	73	14	bowen	bowen	PROPN
american_scientific_journal-689	73	15	[	[	X
american_scientific_journal-689	73	16	1	1	NUM
american_scientific_journal-689	73	17	]	]	PUNCT
american_scientific_journal-689	73	18	found	find	VERB
american_scientific_journal-689	73	19	that	that	SCONJ
american_scientific_journal-689	73	20	employee	employee	NOUN
american_scientific_journal-689	73	21	morale	morale	NOUN
american_scientific_journal-689	73	22	is	be	AUX
american_scientific_journal-689	73	23	strongly	strongly	ADV
american_scientific_journal-689	73	24	related	relate	VERB
american_scientific_journal-689	73	25	to	to	ADP
american_scientific_journal-689	73	26	customer	customer	NOUN
american_scientific_journal-689	73	27	satisfaction	satisfaction	NOUN
american_scientific_journal-689	73	28	;	;	PUNCT
american_scientific_journal-689	73	29	that	that	PRON
american_scientific_journal-689	73	30	is	is	ADV
american_scientific_journal-689	73	31	,	,	PUNCT
american_scientific_journal-689	73	32	when	when	SCONJ
american_scientific_journal-689	73	33	bank	bank	NOUN
american_scientific_journal-689	73	34	customers	customer	NOUN
american_scientific_journal-689	73	35	76	76	NUM
american_scientific_journal-689	73	36	american	american	ADJ
american_scientific_journal-689	73	37	scientific	scientific	ADJ
american_scientific_journal-689	73	38	research	research	NOUN
american_scientific_journal-689	73	39	journal	journal	NOUN
american_scientific_journal-689	73	40	for	for	ADP
american_scientific_journal-689	73	41	engineering	engineering	NOUN
american_scientific_journal-689	73	42	,	,	PUNCT
american_scientific_journal-689	73	43	technology	technology	NOUN
american_scientific_journal-689	73	44	,	,	PUNCT
american_scientific_journal-689	73	45	and	and	CCONJ
american_scientific_journal-689	73	46	sciences	science	NOUN
american_scientific_journal-689	73	47	(	(	PUNCT
american_scientific_journal-689	73	48	asrjets	asrjet	NOUN
american_scientific_journal-689	73	49	)	)	PUNCT
american_scientific_journal-689	73	50	(	(	PUNCT
american_scientific_journal-689	73	51	2014	2014	NUM
american_scientific_journal-689	73	52	)	)	PUNCT
american_scientific_journal-689	73	53	volume	volume	NOUN
american_scientific_journal-689	73	54	10	10	NUM
american_scientific_journal-689	73	55	,	,	PUNCT
american_scientific_journal-689	73	56	no	no	DET
american_scientific_journal-689	73	57	1	1	NUM
american_scientific_journal-689	73	58	,	,	PUNCT
american_scientific_journal-689	73	59	pp	pp	ADV
american_scientific_journal-689	73	60	74	74	NUM
american_scientific_journal-689	73	61	-	-	SYM
american_scientific_journal-689	73	62	84	84	NUM
american_scientific_journal-689	73	63	perceive	perceive	ADJ
american_scientific_journal-689	73	64	front	front	ADJ
american_scientific_journal-689	73	65	-	-	PUNCT
american_scientific_journal-689	73	66	line	line	NOUN
american_scientific_journal-689	73	67	employees	employee	NOUN
american_scientific_journal-689	73	68	are	be	AUX
american_scientific_journal-689	73	69	happy	happy	ADJ
american_scientific_journal-689	73	70	with	with	ADP
american_scientific_journal-689	73	71	their	their	PRON
american_scientific_journal-689	73	72	work	work	NOUN
american_scientific_journal-689	73	73	,	,	PUNCT
american_scientific_journal-689	73	74	bank	bank	NOUN
american_scientific_journal-689	73	75	customers	customer	NOUN
american_scientific_journal-689	73	76	are	be	AUX
american_scientific_journal-689	73	77	more	more	ADV
american_scientific_journal-689	73	78	likely	likely	ADJ
american_scientific_journal-689	73	79	to	to	PART
american_scientific_journal-689	73	80	be	be	AUX
american_scientific_journal-689	73	81	satisfied	satisfied	ADJ
american_scientific_journal-689	73	82	with	with	ADP
american_scientific_journal-689	73	83	the	the	DET
american_scientific_journal-689	73	84	service	service	NOUN
american_scientific_journal-689	73	85	they	they	PRON
american_scientific_journal-689	73	86	receive	receive	VERB
american_scientific_journal-689	73	87	.	.	PUNCT
american_scientific_journal-689	74	1	table	table	NOUN
american_scientific_journal-689	74	2	1	1	NUM
american_scientific_journal-689	74	3	:	:	PUNCT
american_scientific_journal-689	74	4	e	e	X
american_scientific_journal-689	74	5	-	-	NOUN
american_scientific_journal-689	74	6	banking	banking	NOUN
american_scientific_journal-689	74	7	in	in	ADP
american_scientific_journal-689	74	8	the	the	DET
american_scientific_journal-689	74	9	world	world	NOUN
american_scientific_journal-689	74	10	bank	bank	NOUN
american_scientific_journal-689	74	11	number	number	NOUN
american_scientific_journal-689	74	12	of	of	ADP
american_scientific_journal-689	74	13	banks	bank	NOUN
american_scientific_journal-689	74	14	number	number	NOUN
american_scientific_journal-689	74	15	of	of	ADP
american_scientific_journal-689	74	16	banks	bank	NOUN
american_scientific_journal-689	74	17	with	with	ADP
american_scientific_journal-689	74	18	websites	website	NOUN
american_scientific_journal-689	74	19	number	number	NOUN
american_scientific_journal-689	74	20	of	of	ADP
american_scientific_journal-689	74	21	internet	internet	NOUN
american_scientific_journal-689	74	22	banks	bank	NOUN
american_scientific_journal-689	74	23	internet	internet	NOUN
american_scientific_journal-689	74	24	banks	bank	NOUN
american_scientific_journal-689	74	25	as	as	ADP
american_scientific_journal-689	74	26	a	a	DET
american_scientific_journal-689	74	27	percentage	percentage	NOUN
american_scientific_journal-689	74	28	of	of	ADP
american_scientific_journal-689	74	29	banks	bank	NOUN
american_scientific_journal-689	74	30	in	in	ADP
american_scientific_journal-689	74	31	category	category	NOUN
american_scientific_journal-689	74	32	private	private	ADJ
american_scientific_journal-689	74	33	sector	sector	NOUN
american_scientific_journal-689	74	34	banks	bank	NOUN
american_scientific_journal-689	74	35	25	25	NUM
american_scientific_journal-689	74	36	29	29	NUM
american_scientific_journal-689	74	37	18	18	NUM
american_scientific_journal-689	74	38	60.9	60.9	NUM
american_scientific_journal-689	74	39	new	new	ADJ
american_scientific_journal-689	74	40	8	8	NUM
american_scientific_journal-689	74	41	9	9	NUM
american_scientific_journal-689	74	42	9	9	NUM
american_scientific_journal-689	74	43	102.0	102.0	NUM
american_scientific_journal-689	74	44	old	old	ADJ
american_scientific_journal-689	74	45	25	25	NUM
american_scientific_journal-689	74	46	29	29	NUM
american_scientific_journal-689	74	47	15	15	NUM
american_scientific_journal-689	74	48	48.6	48.6	NUM
american_scientific_journal-689	74	49	public	public	ADJ
american_scientific_journal-689	74	50	sector	sector	NOUN
american_scientific_journal-689	74	51	banks	bank	NOUN
american_scientific_journal-689	74	52	25	25	NUM
american_scientific_journal-689	74	53	29	29	NUM
american_scientific_journal-689	74	54	28	28	NUM
american_scientific_journal-689	74	55	93.8	93.8	NUM
american_scientific_journal-689	74	56	sbi	sbi	NOUN
american_scientific_journal-689	74	57	group	group	NOUN
american_scientific_journal-689	74	58	9	9	NUM
american_scientific_journal-689	74	59	9	9	NUM
american_scientific_journal-689	74	60	9	9	NUM
american_scientific_journal-689	74	61	101.0	101.0	NUM
american_scientific_journal-689	74	62	nationalized	nationalize	VERB
american_scientific_journal-689	74	63	25	25	NUM
american_scientific_journal-689	74	64	25	25	NUM
american_scientific_journal-689	74	65	19	19	NUM
american_scientific_journal-689	74	66	95.0	95.0	NUM
american_scientific_journal-689	74	67	foreign	foreign	ADJ
american_scientific_journal-689	74	68	banks	bank	NOUN
american_scientific_journal-689	74	69	25	25	NUM
american_scientific_journal-689	74	70	26	26	NUM
american_scientific_journal-689	74	71	9	9	NUM
american_scientific_journal-689	74	72	25.7	25.7	NUM
american_scientific_journal-689	74	73	all	all	DET
american_scientific_journal-689	74	74	banks	bank	NOUN
american_scientific_journal-689	74	75	142	142	NUM
american_scientific_journal-689	74	76	156	156	NUM
american_scientific_journal-689	74	77	107	107	NUM
american_scientific_journal-689	74	78	527	527	NUM
american_scientific_journal-689	74	79	table	table	NOUN
american_scientific_journal-689	74	80	2	2	NUM
american_scientific_journal-689	74	81	:	:	PUNCT
american_scientific_journal-689	74	82	e	e	X
american_scientific_journal-689	74	83	-	-	NOUN
american_scientific_journal-689	74	84	banking	banking	NOUN
american_scientific_journal-689	74	85	in	in	ADP
american_scientific_journal-689	74	86	the	the	DET
american_scientific_journal-689	74	87	world	world	NOUN
american_scientific_journal-689	74	88	item	item	NOUN
american_scientific_journal-689	74	89	2001	2001	NUM
american_scientific_journal-689	74	90	2002	2002	NUM
american_scientific_journal-689	74	91	2003	2003	NUM
american_scientific_journal-689	74	92	2004	2004	NUM
american_scientific_journal-689	74	93	2005	2005	NUM
american_scientific_journal-689	74	94	2006	2006	NUM
american_scientific_journal-689	74	95	june	june	PROPN
american_scientific_journal-689	74	96	2007	2007	NUM
american_scientific_journal-689	75	1	no	no	NOUN
american_scientific_journal-689	75	2	of	of	ADP
american_scientific_journal-689	75	3	online	online	ADJ
american_scientific_journal-689	75	4	branches	branch	NOUN
american_scientific_journal-689	75	5	323	323	NUM
american_scientific_journal-689	75	6	451	451	NUM
american_scientific_journal-689	75	7	778	778	NUM
american_scientific_journal-689	75	8	1,582	1,582	NUM
american_scientific_journal-689	75	9	2,476	2,476	NUM
american_scientific_journal-689	75	10	3,266	3,266	NUM
american_scientific_journal-689	75	11	8876	8876	NUM
american_scientific_journal-689	75	12	no	no	PROPN
american_scientific_journal-689	75	13	of	of	ADP
american_scientific_journal-689	75	14	atms	atms	PROPN
american_scientific_journal-689	75	15	207	207	NUM
american_scientific_journal-689	75	16	258	258	NUM
american_scientific_journal-689	75	17	398	398	NUM
american_scientific_journal-689	75	18	551	551	NUM
american_scientific_journal-689	75	19	785	785	NUM
american_scientific_journal-689	75	20	1,216	1,216	NUM
american_scientific_journal-689	75	21	3415	3415	NUM
american_scientific_journal-689	75	22	no	no	PRON
american_scientific_journal-689	75	23	of	of	ADP
american_scientific_journal-689	75	24	debit	debit	NOUN
american_scientific_journal-689	75	25	cards	card	NOUN
american_scientific_journal-689	75	26	241	241	NUM
american_scientific_journal-689	75	27	414	414	NUM
american_scientific_journal-689	75	28	735	735	NUM
american_scientific_journal-689	75	29	1,258	1,258	NUM
american_scientific_journal-689	75	30	1,873	1,873	NUM
american_scientific_journal-689	75	31	4,256	4,256	NUM
american_scientific_journal-689	75	32	8777	8777	NUM
american_scientific_journal-689	75	33	holders	holder	NOUN
american_scientific_journal-689	75	34	(	(	PUNCT
american_scientific_journal-689	75	35	000	000	NUM
american_scientific_journal-689	75	36	)	)	PUNCT
american_scientific_journal-689	75	37	no	no	NOUN
american_scientific_journal-689	75	38	of	of	ADP
american_scientific_journal-689	75	39	credit	credit	NOUN
american_scientific_journal-689	75	40	cards	card	NOUN
american_scientific_journal-689	75	41	216	216	NUM
american_scientific_journal-689	75	42	293	293	NUM
american_scientific_journal-689	75	43	368	368	NUM
american_scientific_journal-689	75	44	396	396	NUM
american_scientific_journal-689	75	45	807	807	NUM
american_scientific_journal-689	75	46	1,256	1,256	NUM
american_scientific_journal-689	75	47	3336	3336	NUM
american_scientific_journal-689	75	48	holders	holder	NOUN
american_scientific_journal-689	75	49	(	(	PUNCT
american_scientific_journal-689	75	50	000	000	X
american_scientific_journal-689	75	51	)	)	PUNCT
american_scientific_journal-689	75	52	banks	bank	NOUN
american_scientific_journal-689	75	53	normally	normally	ADV
american_scientific_journal-689	75	54	assign	assign	VERB
american_scientific_journal-689	75	55	their	their	PRON
american_scientific_journal-689	75	56	managers	manager	NOUN
american_scientific_journal-689	75	57	responsibility	responsibility	NOUN
american_scientific_journal-689	75	58	for	for	ADP
american_scientific_journal-689	75	59	the	the	DET
american_scientific_journal-689	75	60	promotion	promotion	NOUN
american_scientific_journal-689	75	61	of	of	ADP
american_scientific_journal-689	75	62	the	the	DET
american_scientific_journal-689	75	63	use	use	NOUN
american_scientific_journal-689	75	64	of	of	ADP
american_scientific_journal-689	75	65	electronic	electronic	ADJ
american_scientific_journal-689	75	66	channels	channel	NOUN
american_scientific_journal-689	75	67	to	to	ADP
american_scientific_journal-689	75	68	customers	customer	NOUN
american_scientific_journal-689	75	69	lymperopoulos	lymperopoulo	NOUN
american_scientific_journal-689	75	70	,	,	PUNCT
american_scientific_journal-689	75	71	and	and	CCONJ
american_scientific_journal-689	75	72	chaniotakis	chaniotaki	VERB
american_scientific_journal-689	76	1	[	[	X
american_scientific_journal-689	76	2	2	2	NUM
american_scientific_journal-689	76	3	]	]	PUNCT
american_scientific_journal-689	76	4	.	.	PUNCT
american_scientific_journal-689	77	1	their	their	PRON
american_scientific_journal-689	77	2	input	input	NOUN
american_scientific_journal-689	77	3	as	as	SCONJ
american_scientific_journal-689	77	4	delivery	delivery	NOUN
american_scientific_journal-689	77	5	staff	staff	NOUN
american_scientific_journal-689	77	6	is	be	AUX
american_scientific_journal-689	77	7	important	important	ADJ
american_scientific_journal-689	77	8	.	.	PUNCT
american_scientific_journal-689	78	1	it	it	PRON
american_scientific_journal-689	78	2	is	be	AUX
american_scientific_journal-689	78	3	also	also	ADV
american_scientific_journal-689	78	4	the	the	DET
american_scientific_journal-689	78	5	manager	manager	NOUN
american_scientific_journal-689	78	6	’s	’s	PART
american_scientific_journal-689	78	7	responsibility	responsibility	NOUN
american_scientific_journal-689	78	8	to	to	PART
american_scientific_journal-689	78	9	ensure	ensure	VERB
american_scientific_journal-689	78	10	that	that	SCONJ
american_scientific_journal-689	78	11	branch	branch	NOUN
american_scientific_journal-689	78	12	staff	staff	NOUN
american_scientific_journal-689	78	13	is	be	AUX
american_scientific_journal-689	78	14	professional	professional	ADJ
american_scientific_journal-689	78	15	,	,	PUNCT
american_scientific_journal-689	78	16	well	well	ADV
american_scientific_journal-689	78	17	-	-	PUNCT
american_scientific_journal-689	78	18	trained	train	VERB
american_scientific_journal-689	78	19	and	and	CCONJ
american_scientific_journal-689	78	20	knowledgeable	knowledgeable	ADJ
american_scientific_journal-689	78	21	about	about	ADP
american_scientific_journal-689	78	22	the	the	DET
american_scientific_journal-689	78	23	range	range	NOUN
american_scientific_journal-689	78	24	of	of	ADP
american_scientific_journal-689	78	25	services	service	NOUN
american_scientific_journal-689	78	26	provided	provide	VERB
american_scientific_journal-689	78	27	by	by	ADP
american_scientific_journal-689	78	28	the	the	DET
american_scientific_journal-689	78	29	bank	bank	NOUN
american_scientific_journal-689	78	30	moutinho	moutinho	NOUN
american_scientific_journal-689	78	31	[	[	X
american_scientific_journal-689	78	32	3	3	NUM
american_scientific_journal-689	78	33	]	]	PUNCT
american_scientific_journal-689	78	34	.	.	PUNCT
american_scientific_journal-689	79	1	moutinho	moutinho	NOUN
american_scientific_journal-689	79	2	and	and	CCONJ
american_scientific_journal-689	79	3	phillips	phillip	NOUN
american_scientific_journal-689	80	1	[	[	X
american_scientific_journal-689	80	2	3	3	NUM
american_scientific_journal-689	80	3	]	]	PUNCT
american_scientific_journal-689	80	4	found	find	VERB
american_scientific_journal-689	80	5	that	that	SCONJ
american_scientific_journal-689	80	6	scottish	scottish	PROPN
american_scientific_journal-689	80	7	bank	bank	PROPN
american_scientific_journal-689	80	8	managers	manager	NOUN
american_scientific_journal-689	80	9	considered	consider	VERB
american_scientific_journal-689	80	10	efficiency	efficiency	NOUN
american_scientific_journal-689	80	11	and	and	CCONJ
american_scientific_journal-689	80	12	enhancement	enhancement	NOUN
american_scientific_journal-689	80	13	of	of	ADP
american_scientific_journal-689	80	14	77	77	NUM
american_scientific_journal-689	80	15	american	american	ADJ
american_scientific_journal-689	80	16	scientific	scientific	ADJ
american_scientific_journal-689	80	17	research	research	NOUN
american_scientific_journal-689	80	18	journal	journal	NOUN
american_scientific_journal-689	80	19	for	for	ADP
american_scientific_journal-689	80	20	engineering	engineering	NOUN
american_scientific_journal-689	80	21	,	,	PUNCT
american_scientific_journal-689	80	22	technology	technology	NOUN
american_scientific_journal-689	80	23	,	,	PUNCT
american_scientific_journal-689	80	24	and	and	CCONJ
american_scientific_journal-689	80	25	sciences	science	NOUN
american_scientific_journal-689	80	26	(	(	PUNCT
american_scientific_journal-689	80	27	asrjets	asrjet	NOUN
american_scientific_journal-689	80	28	)	)	PUNCT
american_scientific_journal-689	80	29	(	(	PUNCT
american_scientific_journal-689	80	30	2014	2014	NUM
american_scientific_journal-689	80	31	)	)	PUNCT
american_scientific_journal-689	80	32	volume	volume	NOUN
american_scientific_journal-689	80	33	10	10	NUM
american_scientific_journal-689	80	34	,	,	PUNCT
american_scientific_journal-689	80	35	no	no	DET
american_scientific_journal-689	80	36	1	1	NUM
american_scientific_journal-689	80	37	,	,	PUNCT
american_scientific_journal-689	80	38	pp	pp	ADV
american_scientific_journal-689	80	39	74	74	NUM
american_scientific_journal-689	80	40	-	-	SYM
american_scientific_journal-689	80	41	84	84	NUM
american_scientific_journal-689	80	42	customer	customer	NOUN
american_scientific_journal-689	80	43	service	service	NOUN
american_scientific_journal-689	80	44	to	to	PART
american_scientific_journal-689	80	45	be	be	AUX
american_scientific_journal-689	80	46	two	two	NUM
american_scientific_journal-689	80	47	perceived	perceive	VERB
american_scientific_journal-689	80	48	advantages	advantage	NOUN
american_scientific_journal-689	80	49	of	of	ADP
american_scientific_journal-689	80	50	internet	internet	NOUN
american_scientific_journal-689	80	51	banking	banking	NOUN
american_scientific_journal-689	80	52	.	.	PUNCT
american_scientific_journal-689	81	1	similarly	similarly	ADV
american_scientific_journal-689	81	2	,	,	PUNCT
american_scientific_journal-689	81	3	aladwani	aladwani	ADJ
american_scientific_journal-689	81	4	[	[	X
american_scientific_journal-689	81	5	4	4	X
american_scientific_journal-689	81	6	]	]	PUNCT
american_scientific_journal-689	81	7	highlighted	highlight	VERB
american_scientific_journal-689	81	8	faster	fast	ADV
american_scientific_journal-689	81	9	,	,	PUNCT
american_scientific_journal-689	81	10	easier	easy	ADJ
american_scientific_journal-689	81	11	,	,	PUNCT
american_scientific_journal-689	81	12	and	and	CCONJ
american_scientific_journal-689	81	13	more	more	ADV
american_scientific_journal-689	81	14	reliable	reliable	ADJ
american_scientific_journal-689	81	15	service	service	NOUN
american_scientific_journal-689	81	16	for	for	ADP
american_scientific_journal-689	81	17	customers	customer	NOUN
american_scientific_journal-689	81	18	,	,	PUNCT
american_scientific_journal-689	81	19	and	and	CCONJ
american_scientific_journal-689	81	20	improvement	improvement	NOUN
american_scientific_journal-689	81	21	of	of	ADP
american_scientific_journal-689	81	22	the	the	DET
american_scientific_journal-689	81	23	bank	bank	NOUN
american_scientific_journal-689	81	24	’s	’s	PART
american_scientific_journal-689	81	25	competitive	competitive	ADJ
american_scientific_journal-689	81	26	position	position	NOUN
american_scientific_journal-689	81	27	to	to	PART
american_scientific_journal-689	81	28	be	be	AUX
american_scientific_journal-689	81	29	the	the	DET
american_scientific_journal-689	81	30	most	most	ADV
american_scientific_journal-689	81	31	important	important	ADJ
american_scientific_journal-689	81	32	drivers	driver	NOUN
american_scientific_journal-689	81	33	of	of	ADP
american_scientific_journal-689	81	34	online	online	ADJ
american_scientific_journal-689	81	35	banking	banking	NOUN
american_scientific_journal-689	81	36	among	among	ADP
american_scientific_journal-689	81	37	bank	bank	NOUN
american_scientific_journal-689	81	38	and	and	CCONJ
american_scientific_journal-689	81	39	it	it	PRON
american_scientific_journal-689	81	40	managers	manager	NOUN
american_scientific_journal-689	81	41	in	in	ADP
american_scientific_journal-689	81	42	kuwait	kuwait	PROPN
american_scientific_journal-689	81	43	.	.	PUNCT
american_scientific_journal-689	82	1	a	a	DET
american_scientific_journal-689	82	2	reduction	reduction	NOUN
american_scientific_journal-689	82	3	in	in	ADP
american_scientific_journal-689	82	4	the	the	DET
american_scientific_journal-689	82	5	percentage	percentage	NOUN
american_scientific_journal-689	82	6	of	of	ADP
american_scientific_journal-689	82	7	customers	customer	NOUN
american_scientific_journal-689	82	8	visiting	visit	VERB
american_scientific_journal-689	82	9	banks	bank	NOUN
american_scientific_journal-689	82	10	with	with	ADP
american_scientific_journal-689	82	11	an	an	DET
american_scientific_journal-689	82	12	increase	increase	NOUN
american_scientific_journal-689	82	13	in	in	ADP
american_scientific_journal-689	82	14	alternative	alternative	ADJ
american_scientific_journal-689	82	15	channels	channel	NOUN
american_scientific_journal-689	82	16	of	of	ADP
american_scientific_journal-689	82	17	distribution	distribution	NOUN
american_scientific_journal-689	82	18	will	will	AUX
american_scientific_journal-689	82	19	also	also	ADV
american_scientific_journal-689	82	20	minimize	minimize	VERB
american_scientific_journal-689	82	21	the	the	DET
american_scientific_journal-689	82	22	queues	queue	NOUN
american_scientific_journal-689	82	23	in	in	ADP
american_scientific_journal-689	82	24	the	the	DET
american_scientific_journal-689	82	25	branches	branch	NOUN
american_scientific_journal-689	82	26	thornton	thornton	PROPN
american_scientific_journal-689	82	27	and	and	CCONJ
american_scientific_journal-689	82	28	white	white	ADJ
american_scientific_journal-689	83	1	[	[	X
american_scientific_journal-689	83	2	5	5	NUM
american_scientific_journal-689	83	3	]	]	PUNCT
american_scientific_journal-689	83	4	.	.	PUNCT
american_scientific_journal-689	84	1	increased	increase	VERB
american_scientific_journal-689	84	2	availability	availability	NOUN
american_scientific_journal-689	84	3	and	and	CCONJ
american_scientific_journal-689	84	4	accessibility	accessibility	NOUN
american_scientific_journal-689	84	5	of	of	ADP
american_scientific_journal-689	84	6	more	more	ADJ
american_scientific_journal-689	84	7	self	self	NOUN
american_scientific_journal-689	84	8	-	-	PUNCT
american_scientific_journal-689	84	9	service	service	NOUN
american_scientific_journal-689	84	10	distribution	distribution	NOUN
american_scientific_journal-689	84	11	channels	channel	NOUN
american_scientific_journal-689	84	12	helps	help	VERB
american_scientific_journal-689	84	13	bank	bank	PROPN
american_scientific_journal-689	84	14	administration	administration	NOUN
american_scientific_journal-689	84	15	in	in	ADP
american_scientific_journal-689	84	16	reducing	reduce	VERB
american_scientific_journal-689	84	17	the	the	DET
american_scientific_journal-689	84	18	expensive	expensive	ADJ
american_scientific_journal-689	84	19	branch	branch	NOUN
american_scientific_journal-689	84	20	network	network	NOUN
american_scientific_journal-689	84	21	and	and	CCONJ
american_scientific_journal-689	84	22	its	its	PRON
american_scientific_journal-689	84	23	associate	associate	ADJ
american_scientific_journal-689	84	24	staff	staff	NOUN
american_scientific_journal-689	84	25	overheads	overhead	NOUN
american_scientific_journal-689	84	26	.	.	PUNCT
american_scientific_journal-689	85	1	bank	bank	NOUN
american_scientific_journal-689	85	2	employees	employee	NOUN
american_scientific_journal-689	85	3	and	and	CCONJ
american_scientific_journal-689	85	4	office	office	NOUN
american_scientific_journal-689	85	5	space	space	NOUN
american_scientific_journal-689	85	6	that	that	PRON
american_scientific_journal-689	85	7	are	be	AUX
american_scientific_journal-689	85	8	released	release	VERB
american_scientific_journal-689	85	9	in	in	ADP
american_scientific_journal-689	85	10	this	this	DET
american_scientific_journal-689	85	11	way	way	NOUN
american_scientific_journal-689	85	12	may	may	AUX
american_scientific_journal-689	85	13	be	be	AUX
american_scientific_journal-689	85	14	used	use	VERB
american_scientific_journal-689	85	15	for	for	ADP
american_scientific_journal-689	85	16	some	some	DET
american_scientific_journal-689	85	17	other	other	ADJ
american_scientific_journal-689	85	18	profitable	profitable	ADJ
american_scientific_journal-689	85	19	ventures	venture	NOUN
american_scientific_journal-689	85	20	,	,	PUNCT
american_scientific_journal-689	85	21	birch	birch	NOUN
american_scientific_journal-689	85	22	and	and	CCONJ
american_scientific_journal-689	85	23	young	young	ADJ
american_scientific_journal-689	85	24	thornton	thornton	NOUN
american_scientific_journal-689	85	25	and	and	CCONJ
american_scientific_journal-689	85	26	white	white	ADJ
american_scientific_journal-689	85	27	[	[	X
american_scientific_journal-689	85	28	5	5	NUM
american_scientific_journal-689	85	29	]	]	PUNCT
american_scientific_journal-689	85	30	.	.	PUNCT
american_scientific_journal-689	86	1	this	this	PRON
american_scientific_journal-689	86	2	ultimately	ultimately	ADV
american_scientific_journal-689	86	3	leads	lead	VERB
american_scientific_journal-689	86	4	towards	towards	ADP
american_scientific_journal-689	86	5	improved	improve	VERB
american_scientific_journal-689	86	6	customer	customer	NOUN
american_scientific_journal-689	86	7	satisfaction	satisfaction	NOUN
american_scientific_journal-689	86	8	and	and	CCONJ
american_scientific_journal-689	86	9	the	the	DET
american_scientific_journal-689	86	10	institution	institution	NOUN
american_scientific_journal-689	86	11	’s	’s	PART
american_scientific_journal-689	86	12	bottom	bottom	ADJ
american_scientific_journal-689	86	13	line	line	NOUN
american_scientific_journal-689	86	14	,	,	PUNCT
american_scientific_journal-689	86	15	thornton	thornton	PROPN
american_scientific_journal-689	86	16	and	and	CCONJ
american_scientific_journal-689	86	17	white	white	ADJ
american_scientific_journal-689	87	1	[	[	X
american_scientific_journal-689	87	2	5	5	NUM
american_scientific_journal-689	87	3	]	]	PUNCT
american_scientific_journal-689	87	4	.	.	PUNCT
american_scientific_journal-689	88	1	figure	figure	VERB
american_scientific_journal-689	88	2	no	no	DET
american_scientific_journal-689	88	3	1	1	NUM
american_scientific_journal-689	88	4	:	:	PUNCT
american_scientific_journal-689	88	5	components	component	NOUN
american_scientific_journal-689	88	6	of	of	ADP
american_scientific_journal-689	88	7	e	e	PROPN
american_scientific_journal-689	88	8	banking	banking	NOUN
american_scientific_journal-689	88	9	internet	internet	NOUN
american_scientific_journal-689	88	10	banking	banking	NOUN
american_scientific_journal-689	88	11	also	also	ADV
american_scientific_journal-689	88	12	increases	increase	VERB
american_scientific_journal-689	88	13	competition	competition	NOUN
american_scientific_journal-689	88	14	within	within	ADP
american_scientific_journal-689	88	15	the	the	DET
american_scientific_journal-689	88	16	banking	banking	NOUN
american_scientific_journal-689	88	17	system	system	NOUN
american_scientific_journal-689	88	18	and	and	CCONJ
american_scientific_journal-689	88	19	also	also	ADV
american_scientific_journal-689	88	20	from	from	ADP
american_scientific_journal-689	88	21	non	non	ADJ
american_scientific_journal-689	88	22	-	-	ADJ
american_scientific_journal-689	88	23	bank	bank	ADJ
american_scientific_journal-689	88	24	financial	financial	ADJ
american_scientific_journal-689	88	25	institution	institution	NOUN
american_scientific_journal-689	88	26	.	.	PUNCT
american_scientific_journal-689	89	1	the	the	DET
american_scientific_journal-689	89	2	internet	internet	NOUN
american_scientific_journal-689	89	3	increases	increase	VERB
american_scientific_journal-689	89	4	the	the	DET
american_scientific_journal-689	89	5	power	power	NOUN
american_scientific_journal-689	89	6	of	of	ADP
american_scientific_journal-689	89	7	the	the	DET
american_scientific_journal-689	89	8	customer	customer	NOUN
american_scientific_journal-689	89	9	to	to	PART
american_scientific_journal-689	89	10	make	make	VERB
american_scientific_journal-689	89	11	price	price	NOUN
american_scientific_journal-689	89	12	comparisons	comparison	NOUN
american_scientific_journal-689	89	13	across	across	ADP
american_scientific_journal-689	89	14	suppliers	supplier	NOUN
american_scientific_journal-689	89	15	quickly	quickly	ADV
american_scientific_journal-689	89	16	and	and	CCONJ
american_scientific_journal-689	89	17	easily	easily	ADV
american_scientific_journal-689	89	18	.	.	PUNCT
american_scientific_journal-689	90	1	as	as	ADP
american_scientific_journal-689	90	2	a	a	DET
american_scientific_journal-689	90	3	consequence	consequence	NOUN
american_scientific_journal-689	90	4	,	,	PUNCT
american_scientific_journal-689	90	5	this	this	PRON
american_scientific_journal-689	90	6	pushes	push	VERB
american_scientific_journal-689	90	7	prices	price	NOUN
american_scientific_journal-689	90	8	and	and	CCONJ
american_scientific_journal-689	90	9	margins	margin	VERB
american_scientific_journal-689	90	10	downward	downward	ADJ
american_scientific_journal-689	90	11	devlin	devlin	NOUN
american_scientific_journal-689	91	1	[	[	X
american_scientific_journal-689	91	2	6	6	NUM
american_scientific_journal-689	91	3	]	]	PUNCT
american_scientific_journal-689	91	4	.	.	PUNCT
american_scientific_journal-689	92	1	institutional	institutional	ADJ
american_scientific_journal-689	92	2	encouragement	encouragement	NOUN
american_scientific_journal-689	92	3	of	of	ADP
american_scientific_journal-689	92	4	the	the	DET
american_scientific_journal-689	92	5	use	use	NOUN
american_scientific_journal-689	92	6	of	of	ADP
american_scientific_journal-689	92	7	it	it	PRON
american_scientific_journal-689	92	8	-	-	PUNCT
american_scientific_journal-689	92	9	based	base	VERB
american_scientific_journal-689	92	10	services	service	NOUN
american_scientific_journal-689	92	11	and	and	CCONJ
american_scientific_journal-689	92	12	it	it	PRON
american_scientific_journal-689	92	13	service	service	NOUN
american_scientific_journal-689	92	14	fees	fee	NOUN
american_scientific_journal-689	92	15	are	be	AUX
american_scientific_journal-689	92	16	another	another	DET
american_scientific_journal-689	92	17	important	important	ADJ
american_scientific_journal-689	92	18	dimension	dimension	NOUN
american_scientific_journal-689	92	19	zhu	zhu	X
american_scientific_journal-689	93	1	[	[	X
american_scientific_journal-689	93	2	7	7	NUM
american_scientific_journal-689	93	3	]	]	PUNCT
american_scientific_journal-689	93	4	.	.	PUNCT
american_scientific_journal-689	94	1	cantrell	cantrell	PROPN
american_scientific_journal-689	95	1	[	[	X
american_scientific_journal-689	95	2	8	8	NUM
american_scientific_journal-689	95	3	]	]	PUNCT
american_scientific_journal-689	95	4	conducted	conduct	VERB
american_scientific_journal-689	95	5	a	a	DET
american_scientific_journal-689	95	6	banking	banking	NOUN
american_scientific_journal-689	95	7	survey	survey	NOUN
american_scientific_journal-689	95	8	in	in	ADP
american_scientific_journal-689	95	9	the	the	DET
american_scientific_journal-689	95	10	us	us	PROPN
american_scientific_journal-689	95	11	and	and	CCONJ
american_scientific_journal-689	95	12	found	find	VERB
american_scientific_journal-689	95	13	that	that	SCONJ
american_scientific_journal-689	95	14	increases	increase	NOUN
american_scientific_journal-689	95	15	in	in	ADP
american_scientific_journal-689	95	16	service	service	NOUN
american_scientific_journal-689	95	17	fees	fee	NOUN
american_scientific_journal-689	95	18	were	be	AUX
american_scientific_journal-689	95	19	one	one	NUM
american_scientific_journal-689	95	20	of	of	ADP
american_scientific_journal-689	95	21	the	the	DET
american_scientific_journal-689	95	22	main	main	ADJ
american_scientific_journal-689	95	23	driving	drive	VERB
american_scientific_journal-689	95	24	forces	force	NOUN
american_scientific_journal-689	95	25	behind	behind	ADP
american_scientific_journal-689	95	26	the	the	DET
american_scientific_journal-689	95	27	move	move	NOUN
american_scientific_journal-689	95	28	of	of	ADP
american_scientific_journal-689	95	29	some	some	DET
american_scientific_journal-689	95	30	large	large	ADJ
american_scientific_journal-689	95	31	bank	bank	NOUN
american_scientific_journal-689	95	32	customers	customer	NOUN
american_scientific_journal-689	95	33	to	to	ADP
american_scientific_journal-689	95	34	smaller	small	ADJ
american_scientific_journal-689	95	35	community	community	NOUN
american_scientific_journal-689	95	36	banks	bank	NOUN
american_scientific_journal-689	95	37	.	.	PUNCT
american_scientific_journal-689	96	1	yakhlef	yakhlef	PROPN
american_scientific_journal-689	97	1	[	[	X
american_scientific_journal-689	97	2	9	9	NUM
american_scientific_journal-689	97	3	]	]	PUNCT
american_scientific_journal-689	97	4	pointed	point	VERB
american_scientific_journal-689	97	5	out	out	ADP
american_scientific_journal-689	97	6	that	that	SCONJ
american_scientific_journal-689	97	7	banks	bank	NOUN
american_scientific_journal-689	97	8	are	be	AUX
american_scientific_journal-689	97	9	responding	respond	VERB
american_scientific_journal-689	97	10	to	to	ADP
american_scientific_journal-689	97	11	the	the	DET
american_scientific_journal-689	97	12	internet	internet	NOUN
american_scientific_journal-689	97	13	differently	differently	ADV
american_scientific_journal-689	97	14	,	,	PUNCT
american_scientific_journal-689	97	15	and	and	CCONJ
american_scientific_journal-689	97	16	that	that	SCONJ
american_scientific_journal-689	97	17	those	those	PRON
american_scientific_journal-689	97	18	which	which	PRON
american_scientific_journal-689	97	19	see	see	VERB
american_scientific_journal-689	97	20	the	the	DET
american_scientific_journal-689	97	21	internet	internet	NOUN
american_scientific_journal-689	97	22	as	as	ADP
american_scientific_journal-689	97	23	a	a	DET
american_scientific_journal-689	97	24	complement	complement	NOUN
american_scientific_journal-689	97	25	and	and	CCONJ
american_scientific_journal-689	97	26	substitute	substitute	NOUN
american_scientific_journal-689	97	27	to	to	ADP
american_scientific_journal-689	97	28	traditional	traditional	ADJ
american_scientific_journal-689	97	29	channels	channel	NOUN
american_scientific_journal-689	97	30	achieved	achieve	VERB
american_scientific_journal-689	97	31	better	well	ADJ
american_scientific_journal-689	97	32	communication	communication	NOUN
american_scientific_journal-689	97	33	and	and	CCONJ
american_scientific_journal-689	97	34	interactivity	interactivity	NOUN
american_scientific_journal-689	97	35	with	with	ADP
american_scientific_journal-689	97	36	customers	customer	NOUN
american_scientific_journal-689	97	37	.	.	PUNCT
american_scientific_journal-689	98	1	robinson	robinson	PROPN
american_scientific_journal-689	99	1	[	[	X
american_scientific_journal-689	99	2	10	10	NUM
american_scientific_journal-689	99	3	]	]	PUNCT
american_scientific_journal-689	99	4	argued	argue	VERB
american_scientific_journal-689	99	5	that	that	SCONJ
american_scientific_journal-689	99	6	the	the	DET
american_scientific_journal-689	99	7	online	online	ADJ
american_scientific_journal-689	99	8	banking	banking	NOUN
american_scientific_journal-689	99	9	extends	extend	VERB
american_scientific_journal-689	99	10	the	the	DET
american_scientific_journal-689	99	11	relationship	relationship	NOUN
american_scientific_journal-689	99	12	with	with	ADP
american_scientific_journal-689	99	13	the	the	DET
american_scientific_journal-689	99	14	customers	customer	NOUN
american_scientific_journal-689	99	15	through	through	ADP
american_scientific_journal-689	99	16	providing	provide	VERB
american_scientific_journal-689	99	17	financial	financial	ADJ
american_scientific_journal-689	99	18	services	service	NOUN
american_scientific_journal-689	99	19	right	right	ADV
american_scientific_journal-689	99	20	into	into	ADP
american_scientific_journal-689	99	21	the	the	DET
american_scientific_journal-689	99	22	home	home	NOUN
american_scientific_journal-689	99	23	or	or	CCONJ
american_scientific_journal-689	99	24	office	office	NOUN
american_scientific_journal-689	99	25	of	of	ADP
american_scientific_journal-689	99	26	customers	customer	NOUN
american_scientific_journal-689	99	27	.	.	PUNCT
american_scientific_journal-689	100	1	the	the	DET
american_scientific_journal-689	100	2	banks	bank	NOUN
american_scientific_journal-689	100	3	may	may	AUX
american_scientific_journal-689	100	4	also	also	ADV
american_scientific_journal-689	100	5	enjoy	enjoy	VERB
american_scientific_journal-689	100	6	the	the	DET
american_scientific_journal-689	100	7	benefits	benefit	NOUN
american_scientific_journal-689	100	8	in	in	ADP
american_scientific_journal-689	100	9	terms	term	NOUN
american_scientific_journal-689	100	10	of	of	ADP
american_scientific_journal-689	100	11	increased	increase	VERB
american_scientific_journal-689	100	12	customers	customer	NOUN
american_scientific_journal-689	100	13	loyalty	loyalty	NOUN
american_scientific_journal-689	100	14	and	and	CCONJ
american_scientific_journal-689	100	15	satisfaction	satisfaction	NOUN
american_scientific_journal-689	100	16	oumlil	oumlil	PROPN
american_scientific_journal-689	100	17	and	and	CCONJ
american_scientific_journal-689	100	18	williams	williams	PROPN
american_scientific_journal-689	101	1	[	[	X
american_scientific_journal-689	101	2	11	11	NUM
american_scientific_journal-689	101	3	]	]	PUNCT
american_scientific_journal-689	101	4	.	.	PUNCT
american_scientific_journal-689	102	1	e	e	PROPN
american_scientific_journal-689	102	2	bankin	bankin	PROPN
american_scientific_journal-689	102	3	g	g	PROPN
american_scientific_journal-689	102	4	trust	trust	NOUN
american_scientific_journal-689	102	5	quality	quality	NOUN
american_scientific_journal-689	102	6	easy	easy	ADJ
american_scientific_journal-689	102	7	to	to	PART
american_scientific_journal-689	102	8	use	use	VERB
american_scientific_journal-689	102	9	78	78	NUM
american_scientific_journal-689	102	10	american	american	ADJ
american_scientific_journal-689	102	11	scientific	scientific	ADJ
american_scientific_journal-689	102	12	research	research	NOUN
american_scientific_journal-689	102	13	journal	journal	NOUN
american_scientific_journal-689	102	14	for	for	ADP
american_scientific_journal-689	102	15	engineering	engineering	NOUN
american_scientific_journal-689	102	16	,	,	PUNCT
american_scientific_journal-689	102	17	technology	technology	NOUN
american_scientific_journal-689	102	18	,	,	PUNCT
american_scientific_journal-689	102	19	and	and	CCONJ
american_scientific_journal-689	102	20	sciences	science	NOUN
american_scientific_journal-689	102	21	(	(	PUNCT
american_scientific_journal-689	102	22	asrjets	asrjet	NOUN
american_scientific_journal-689	102	23	)	)	PUNCT
american_scientific_journal-689	102	24	(	(	PUNCT
american_scientific_journal-689	102	25	2014	2014	NUM
american_scientific_journal-689	102	26	)	)	PUNCT
american_scientific_journal-689	102	27	volume	volume	NOUN
american_scientific_journal-689	102	28	10	10	NUM
american_scientific_journal-689	102	29	,	,	PUNCT
american_scientific_journal-689	102	30	no	no	DET
american_scientific_journal-689	102	31	1	1	NUM
american_scientific_journal-689	102	32	,	,	PUNCT
american_scientific_journal-689	102	33	pp	pp	ADV
american_scientific_journal-689	102	34	74	74	NUM
american_scientific_journal-689	102	35	-	-	SYM
american_scientific_journal-689	102	36	84	84	NUM
american_scientific_journal-689	102	37	nancy	nancy	NOUN
american_scientific_journal-689	103	1	[	[	X
american_scientific_journal-689	103	2	12	12	NUM
american_scientific_journal-689	103	3	]	]	PUNCT
american_scientific_journal-689	103	4	viewed	view	VERB
american_scientific_journal-689	103	5	the	the	DET
american_scientific_journal-689	103	6	same	same	ADJ
american_scientific_journal-689	103	7	situation	situation	NOUN
american_scientific_journal-689	103	8	differently	differently	ADV
american_scientific_journal-689	103	9	and	and	CCONJ
american_scientific_journal-689	103	10	argued	argue	VERB
american_scientific_journal-689	103	11	that	that	SCONJ
american_scientific_journal-689	103	12	customers	customer	NOUN
american_scientific_journal-689	103	13	like	like	VERB
american_scientific_journal-689	103	14	to	to	PART
american_scientific_journal-689	103	15	interact	interact	VERB
american_scientific_journal-689	103	16	with	with	ADP
american_scientific_journal-689	103	17	humans	human	NOUN
american_scientific_journal-689	103	18	rather	rather	ADV
american_scientific_journal-689	103	19	than	than	ADP
american_scientific_journal-689	103	20	machines	machine	NOUN
american_scientific_journal-689	103	21	.	.	PUNCT
american_scientific_journal-689	104	1	they	they	PRON
american_scientific_journal-689	104	2	found	find	VERB
american_scientific_journal-689	104	3	more	more	ADJ
american_scientific_journal-689	104	4	possibilities	possibility	NOUN
american_scientific_journal-689	104	5	for	for	ADP
american_scientific_journal-689	104	6	asking	ask	VERB
american_scientific_journal-689	104	7	questions	question	NOUN
american_scientific_journal-689	104	8	and	and	CCONJ
american_scientific_journal-689	104	9	believe	believe	VERB
american_scientific_journal-689	104	10	that	that	SCONJ
american_scientific_journal-689	104	11	bank	bank	NOUN
american_scientific_journal-689	104	12	clerks	clerk	NOUN
american_scientific_journal-689	104	13	are	be	AUX
american_scientific_journal-689	104	14	less	less	ADV
american_scientific_journal-689	104	15	prone	prone	ADJ
american_scientific_journal-689	104	16	to	to	ADP
american_scientific_journal-689	104	17	errors	error	NOUN
american_scientific_journal-689	104	18	.	.	PUNCT
american_scientific_journal-689	105	1	it	it	PRON
american_scientific_journal-689	105	2	is	be	AUX
american_scientific_journal-689	105	3	thus	thus	ADV
american_scientific_journal-689	105	4	essential	essential	ADJ
american_scientific_journal-689	105	5	that	that	SCONJ
american_scientific_journal-689	105	6	any	any	DET
american_scientific_journal-689	105	7	face	face	NOUN
american_scientific_journal-689	105	8	-	-	PUNCT
american_scientific_journal-689	105	9	to	to	ADP
american_scientific_journal-689	105	10	-	-	PUNCT
american_scientific_journal-689	105	11	face	face	NOUN
american_scientific_journal-689	105	12	transactions	transaction	NOUN
american_scientific_journal-689	105	13	are	be	AUX
american_scientific_journal-689	105	14	carried	carry	VERB
american_scientific_journal-689	105	15	out	out	ADP
american_scientific_journal-689	105	16	efficiently	efficiently	ADV
american_scientific_journal-689	105	17	and	and	CCONJ
american_scientific_journal-689	105	18	courteously	courteously	ADV
american_scientific_journal-689	105	19	.	.	PUNCT
american_scientific_journal-689	106	1	this	this	PRON
american_scientific_journal-689	106	2	increases	increase	VERB
american_scientific_journal-689	106	3	the	the	DET
american_scientific_journal-689	106	4	possibility	possibility	NOUN
american_scientific_journal-689	106	5	of	of	ADP
american_scientific_journal-689	106	6	selling	sell	VERB
american_scientific_journal-689	106	7	the	the	DET
american_scientific_journal-689	106	8	customer	customer	NOUN
american_scientific_journal-689	106	9	another	another	DET
american_scientific_journal-689	106	10	service	service	NOUN
american_scientific_journal-689	106	11	that	that	PRON
american_scientific_journal-689	106	12	they	they	PRON
american_scientific_journal-689	106	13	need	need	VERB
american_scientific_journal-689	106	14	and	and	CCONJ
american_scientific_journal-689	106	15	also	also	ADV
american_scientific_journal-689	106	16	promotes	promote	VERB
american_scientific_journal-689	106	17	a	a	DET
american_scientific_journal-689	106	18	good	good	ADJ
american_scientific_journal-689	106	19	image	image	NOUN
american_scientific_journal-689	106	20	and	and	CCONJ
american_scientific_journal-689	106	21	enhances	enhance	VERB
american_scientific_journal-689	106	22	customer	customer	NOUN
american_scientific_journal-689	106	23	loyalty	loyalty	NOUN
american_scientific_journal-689	106	24	moutinho	moutinho	NOUN
american_scientific_journal-689	107	1	[	[	X
american_scientific_journal-689	107	2	13	13	NUM
american_scientific_journal-689	107	3	]	]	PUNCT
american_scientific_journal-689	107	4	.	.	PUNCT
american_scientific_journal-689	108	1	polatoglu	polatoglu	NOUN
american_scientific_journal-689	108	2	and	and	CCONJ
american_scientific_journal-689	108	3	ekin	ekin	NOUN
american_scientific_journal-689	109	1	[	[	X
american_scientific_journal-689	109	2	14	14	NUM
american_scientific_journal-689	109	3	]	]	PUNCT
american_scientific_journal-689	109	4	found	find	VERB
american_scientific_journal-689	109	5	that	that	SCONJ
american_scientific_journal-689	109	6	low	low	ADJ
american_scientific_journal-689	109	7	levels	level	NOUN
american_scientific_journal-689	109	8	of	of	ADP
american_scientific_journal-689	109	9	email	email	NOUN
american_scientific_journal-689	109	10	usage	usage	NOUN
american_scientific_journal-689	109	11	and	and	CCONJ
american_scientific_journal-689	109	12	a	a	DET
american_scientific_journal-689	109	13	preference	preference	NOUN
american_scientific_journal-689	109	14	for	for	ADP
american_scientific_journal-689	109	15	doing	do	VERB
american_scientific_journal-689	109	16	over	over	ADP
american_scientific_journal-689	109	17	-	-	PUNCT
american_scientific_journal-689	109	18	the	the	DET
american_scientific_journal-689	109	19	-	-	PUNCT
american_scientific_journal-689	109	20	counter	counter	NOUN
american_scientific_journal-689	109	21	transactions	transaction	NOUN
american_scientific_journal-689	109	22	at	at	ADP
american_scientific_journal-689	109	23	bank	bank	NOUN
american_scientific_journal-689	109	24	branches	branch	NOUN
american_scientific_journal-689	109	25	are	be	AUX
american_scientific_journal-689	109	26	the	the	DET
american_scientific_journal-689	109	27	main	main	ADJ
american_scientific_journal-689	109	28	reasons	reason	NOUN
american_scientific_journal-689	109	29	for	for	ADP
american_scientific_journal-689	109	30	not	not	PART
american_scientific_journal-689	109	31	using	use	VERB
american_scientific_journal-689	109	32	e	e	NOUN
american_scientific_journal-689	109	33	-	-	NOUN
american_scientific_journal-689	109	34	banking	banking	NOUN
american_scientific_journal-689	109	35	in	in	ADP
american_scientific_journal-689	109	36	turkey	turkey	NOUN
american_scientific_journal-689	109	37	.	.	PUNCT
american_scientific_journal-689	110	1	the	the	DET
american_scientific_journal-689	110	2	opportunity	opportunity	NOUN
american_scientific_journal-689	110	3	to	to	PART
american_scientific_journal-689	110	4	conduct	conduct	VERB
american_scientific_journal-689	110	5	a	a	DET
american_scientific_journal-689	110	6	trial	trial	NOUN
american_scientific_journal-689	110	7	may	may	AUX
american_scientific_journal-689	110	8	help	help	VERB
american_scientific_journal-689	110	9	to	to	PART
american_scientific_journal-689	110	10	convince	convince	VERB
american_scientific_journal-689	110	11	reluctant	reluctant	ADJ
american_scientific_journal-689	110	12	customers	customer	NOUN
american_scientific_journal-689	110	13	black	black	ADJ
american_scientific_journal-689	111	1	[	[	X
american_scientific_journal-689	111	2	15	15	NUM
american_scientific_journal-689	111	3	]	]	PUNCT
american_scientific_journal-689	111	4	.	.	PUNCT
american_scientific_journal-689	112	1	boon	boon	NOUN
american_scientific_journal-689	112	2	and	and	CCONJ
american_scientific_journal-689	112	3	ming	ming	PROPN
american_scientific_journal-689	113	1	[	[	X
american_scientific_journal-689	113	2	16	16	NUM
american_scientific_journal-689	113	3	]	]	PUNCT
american_scientific_journal-689	113	4	concluded	conclude	VERB
american_scientific_journal-689	113	5	that	that	SCONJ
american_scientific_journal-689	113	6	banks	bank	NOUN
american_scientific_journal-689	113	7	in	in	ADP
american_scientific_journal-689	113	8	malaysia	malaysia	PROPN
american_scientific_journal-689	113	9	should	should	AUX
american_scientific_journal-689	113	10	concentrate	concentrate	VERB
american_scientific_journal-689	113	11	on	on	ADP
american_scientific_journal-689	113	12	enhancing	enhance	VERB
american_scientific_journal-689	113	13	their	their	PRON
american_scientific_journal-689	113	14	operation	operation	NOUN
american_scientific_journal-689	113	15	and	and	CCONJ
american_scientific_journal-689	113	16	product	product	NOUN
american_scientific_journal-689	113	17	management	management	NOUN
american_scientific_journal-689	113	18	through	through	ADP
american_scientific_journal-689	113	19	a	a	DET
american_scientific_journal-689	113	20	mixture	mixture	NOUN
american_scientific_journal-689	113	21	of	of	ADP
american_scientific_journal-689	113	22	branch	branch	NOUN
american_scientific_journal-689	113	23	banking	banking	NOUN
american_scientific_journal-689	113	24	and	and	CCONJ
american_scientific_journal-689	113	25	e	e	NOUN
american_scientific_journal-689	113	26	-	-	NOUN
american_scientific_journal-689	113	27	channels	channel	NOUN
american_scientific_journal-689	113	28	,	,	PUNCT
american_scientific_journal-689	113	29	like	like	ADP
american_scientific_journal-689	113	30	atms	atms	NOUN
american_scientific_journal-689	113	31	,	,	PUNCT
american_scientific_journal-689	113	32	phone	phone	NOUN
american_scientific_journal-689	113	33	banking	banking	NOUN
american_scientific_journal-689	113	34	and	and	CCONJ
american_scientific_journal-689	113	35	pc	pc	NOUN
american_scientific_journal-689	113	36	banking	banking	NOUN
american_scientific_journal-689	113	37	.	.	PUNCT
american_scientific_journal-689	114	1	3	3	X
american_scientific_journal-689	114	2	.	.	X
american_scientific_journal-689	114	3	methodology	methodology	NOUN
american_scientific_journal-689	114	4	for	for	ADP
american_scientific_journal-689	114	5	the	the	DET
american_scientific_journal-689	114	6	completion	completion	NOUN
american_scientific_journal-689	114	7	of	of	ADP
american_scientific_journal-689	114	8	this	this	DET
american_scientific_journal-689	114	9	study	study	NOUN
american_scientific_journal-689	114	10	focus	focus	NOUN
american_scientific_journal-689	114	11	of	of	ADP
american_scientific_journal-689	114	12	electronic	electronic	ADJ
american_scientific_journal-689	114	13	banking	banking	NOUN
american_scientific_journal-689	114	14	on	on	ADP
american_scientific_journal-689	114	15	customer	customer	NOUN
american_scientific_journal-689	114	16	requirements	requirement	NOUN
american_scientific_journal-689	114	17	.	.	PUNCT
american_scientific_journal-689	115	1	the	the	DET
american_scientific_journal-689	115	2	primary	primary	ADJ
american_scientific_journal-689	115	3	data	datum	NOUN
american_scientific_journal-689	115	4	used	use	VERB
american_scientific_journal-689	115	5	because	because	SCONJ
american_scientific_journal-689	115	6	we	we	PRON
american_scientific_journal-689	115	7	want	want	VERB
american_scientific_journal-689	115	8	to	to	PART
american_scientific_journal-689	115	9	know	know	VERB
american_scientific_journal-689	115	10	how	how	SCONJ
american_scientific_journal-689	115	11	to	to	PART
american_scientific_journal-689	115	12	please	please	VERB
american_scientific_journal-689	115	13	of	of	ADP
american_scientific_journal-689	115	14	customers	customer	NOUN
american_scientific_journal-689	115	15	from	from	ADP
american_scientific_journal-689	115	16	electronic	electronic	ADJ
american_scientific_journal-689	115	17	banking	banking	NOUN
american_scientific_journal-689	115	18	products	product	NOUN
american_scientific_journal-689	115	19	.	.	PUNCT
american_scientific_journal-689	116	1	primary	primary	ADJ
american_scientific_journal-689	116	2	data	datum	NOUN
american_scientific_journal-689	116	3	collected	collect	VERB
american_scientific_journal-689	116	4	in	in	ADP
american_scientific_journal-689	116	5	the	the	DET
american_scientific_journal-689	116	6	form	form	NOUN
american_scientific_journal-689	116	7	of	of	ADP
american_scientific_journal-689	116	8	questioner	questioner	NOUN
american_scientific_journal-689	116	9	which	which	PRON
american_scientific_journal-689	116	10	were	be	AUX
american_scientific_journal-689	116	11	filled	fill	VERB
american_scientific_journal-689	116	12	by	by	ADP
american_scientific_journal-689	116	13	ultimate	ultimate	ADJ
american_scientific_journal-689	116	14	consumer	consumer	NOUN
american_scientific_journal-689	116	15	and	and	CCONJ
american_scientific_journal-689	116	16	collect	collect	VERB
american_scientific_journal-689	116	17	quantitative	quantitative	ADJ
american_scientific_journal-689	116	18	numeric	numeric	ADJ
american_scientific_journal-689	116	19	data	datum	NOUN
american_scientific_journal-689	116	20	because	because	SCONJ
american_scientific_journal-689	116	21	that	that	PRON
american_scientific_journal-689	116	22	’s	’	VERB
american_scientific_journal-689	116	23	primary	primary	ADJ
american_scientific_journal-689	116	24	data	datum	NOUN
american_scientific_journal-689	116	25	which	which	PRON
american_scientific_journal-689	116	26	easily	easily	ADV
american_scientific_journal-689	116	27	available	available	ADJ
american_scientific_journal-689	116	28	and	and	CCONJ
american_scientific_journal-689	116	29	we	we	PRON
american_scientific_journal-689	116	30	have	have	AUX
american_scientific_journal-689	116	31	included	include	VERB
american_scientific_journal-689	116	32	close	close	ADJ
american_scientific_journal-689	116	33	ended	ended	ADJ
american_scientific_journal-689	116	34	questioner	questioner	NOUN
american_scientific_journal-689	116	35	.	.	PUNCT
american_scientific_journal-689	117	1	to	to	PART
american_scientific_journal-689	117	2	meet	meet	VERB
american_scientific_journal-689	117	3	the	the	DET
american_scientific_journal-689	117	4	requirements	requirement	NOUN
american_scientific_journal-689	117	5	of	of	ADP
american_scientific_journal-689	117	6	our	our	PRON
american_scientific_journal-689	117	7	studies	study	NOUN
american_scientific_journal-689	117	8	,	,	PUNCT
american_scientific_journal-689	117	9	we	we	PRON
american_scientific_journal-689	117	10	met	meet	VERB
american_scientific_journal-689	117	11	the	the	DET
american_scientific_journal-689	117	12	different	different	ADJ
american_scientific_journal-689	117	13	bank	bank	NOUN
american_scientific_journal-689	117	14	officials	official	NOUN
american_scientific_journal-689	117	15	to	to	PART
american_scientific_journal-689	117	16	gain	gain	VERB
american_scientific_journal-689	117	17	the	the	DET
american_scientific_journal-689	117	18	technical	technical	ADJ
american_scientific_journal-689	117	19	knowledge	knowledge	NOUN
american_scientific_journal-689	117	20	of	of	ADP
american_scientific_journal-689	117	21	different	different	ADJ
american_scientific_journal-689	117	22	banks	bank	NOUN
american_scientific_journal-689	117	23	e	e	NOUN
american_scientific_journal-689	117	24	banking	banking	NOUN
american_scientific_journal-689	117	25	.	.	PUNCT
american_scientific_journal-689	118	1	we	we	PRON
american_scientific_journal-689	118	2	also	also	ADV
american_scientific_journal-689	118	3	included	include	VERB
american_scientific_journal-689	118	4	all	all	DET
american_scientific_journal-689	118	5	queries	query	NOUN
american_scientific_journal-689	118	6	in	in	ADP
american_scientific_journal-689	118	7	the	the	DET
american_scientific_journal-689	118	8	questionnaire	questionnaire	NOUN
american_scientific_journal-689	118	9	to	to	PART
american_scientific_journal-689	118	10	complete	complete	VERB
american_scientific_journal-689	118	11	our	our	PRON
american_scientific_journal-689	118	12	studies	study	NOUN
american_scientific_journal-689	118	13	in	in	ADP
american_scientific_journal-689	118	14	all	all	DET
american_scientific_journal-689	118	15	aspects	aspect	NOUN
american_scientific_journal-689	118	16	.	.	PUNCT
american_scientific_journal-689	119	1	in	in	ADP
american_scientific_journal-689	119	2	our	our	PRON
american_scientific_journal-689	119	3	study	study	NOUN
american_scientific_journal-689	119	4	work	work	NOUN
american_scientific_journal-689	119	5	,	,	PUNCT
american_scientific_journal-689	119	6	we	we	PRON
american_scientific_journal-689	119	7	have	have	AUX
american_scientific_journal-689	119	8	focus	focus	NOUN
american_scientific_journal-689	119	9	on	on	ADP
american_scientific_journal-689	119	10	pakistan	pakistan	ADJ
american_scientific_journal-689	119	11	banking	banking	NOUN
american_scientific_journal-689	119	12	sectors	sector	NOUN
american_scientific_journal-689	119	13	in	in	ADP
american_scientific_journal-689	119	14	the	the	DET
american_scientific_journal-689	119	15	city	city	NOUN
american_scientific_journal-689	119	16	of	of	ADP
american_scientific_journal-689	119	17	faisalabad	faisalabad	PROPN
american_scientific_journal-689	119	18	.	.	PUNCT
american_scientific_journal-689	120	1	we	we	PRON
american_scientific_journal-689	120	2	survey	survey	VERB
american_scientific_journal-689	120	3	of	of	ADP
american_scientific_journal-689	120	4	3	3	NUM
american_scientific_journal-689	120	5	or	or	CCONJ
american_scientific_journal-689	120	6	4	4	NUM
american_scientific_journal-689	120	7	banks	bank	NOUN
american_scientific_journal-689	120	8	which	which	PRON
american_scientific_journal-689	120	9	is	be	AUX
american_scientific_journal-689	120	10	hbl	hbl	PROPN
american_scientific_journal-689	120	11	raja	raja	PROPN
american_scientific_journal-689	120	12	road	road	NOUN
american_scientific_journal-689	120	13	branch	branch	PROPN
american_scientific_journal-689	120	14	.	.	PUNCT
american_scientific_journal-689	121	1	ubl	ubl	PROPN
american_scientific_journal-689	121	2	near	near	ADP
american_scientific_journal-689	121	3	bus	bus	NOUN
american_scientific_journal-689	121	4	stand	stand	NOUN
american_scientific_journal-689	121	5	branch	branch	NOUN
american_scientific_journal-689	121	6	.	.	PUNCT
american_scientific_journal-689	122	1	fysal	fysal	PROPN
american_scientific_journal-689	122	2	bank	bank	PROPN
american_scientific_journal-689	122	3	d	d	PROPN
american_scientific_journal-689	122	4	ground	ground	NOUN
american_scientific_journal-689	122	5	branch	branch	NOUN
american_scientific_journal-689	122	6	and	and	CCONJ
american_scientific_journal-689	122	7	standard	standard	ADJ
american_scientific_journal-689	122	8	charted	charted	ADJ
american_scientific_journal-689	122	9	bank	bank	NOUN
american_scientific_journal-689	122	10	railway	railway	NOUN
american_scientific_journal-689	122	11	road	road	NOUN
american_scientific_journal-689	122	12	branch	branch	NOUN
american_scientific_journal-689	122	13	.	.	PUNCT
american_scientific_journal-689	123	1	we	we	PRON
american_scientific_journal-689	123	2	carried	carry	VERB
american_scientific_journal-689	123	3	out	out	ADP
american_scientific_journal-689	123	4	this	this	DET
american_scientific_journal-689	123	5	study	study	NOUN
american_scientific_journal-689	123	6	in	in	ADP
american_scientific_journal-689	123	7	pakistan	pakistan	PROPN
american_scientific_journal-689	123	8	because	because	SCONJ
american_scientific_journal-689	123	9	many	many	ADJ
american_scientific_journal-689	123	10	previous	previous	ADJ
american_scientific_journal-689	123	11	studies	study	NOUN
american_scientific_journal-689	123	12	have	have	AUX
american_scientific_journal-689	123	13	been	be	AUX
american_scientific_journal-689	123	14	performed	perform	VERB
american_scientific_journal-689	123	15	of	of	ADP
american_scientific_journal-689	123	16	electronic	electronic	ADJ
american_scientific_journal-689	123	17	banking	banking	NOUN
american_scientific_journal-689	123	18	but	but	CCONJ
american_scientific_journal-689	123	19	our	our	PRON
american_scientific_journal-689	123	20	study	study	NOUN
american_scientific_journal-689	123	21	is	be	AUX
american_scientific_journal-689	123	22	unusual	unusual	ADJ
american_scientific_journal-689	123	23	because	because	SCONJ
american_scientific_journal-689	123	24	our	our	PRON
american_scientific_journal-689	123	25	study	study	NOUN
american_scientific_journal-689	123	26	depend	depend	VERB
american_scientific_journal-689	123	27	on	on	ADP
american_scientific_journal-689	123	28	different	different	ADJ
american_scientific_journal-689	123	29	variable	variable	NOUN
american_scientific_journal-689	123	30	such	such	ADJ
american_scientific_journal-689	123	31	as	as	ADP
american_scientific_journal-689	123	32	electronic	electronic	ADJ
american_scientific_journal-689	123	33	banking	banking	NOUN
american_scientific_journal-689	123	34	products	product	NOUN
american_scientific_journal-689	123	35	,	,	PUNCT
american_scientific_journal-689	123	36	cyber	cyber	NOUN
american_scientific_journal-689	123	37	-	-	PUNCT
american_scientific_journal-689	123	38	crimes	crime	NOUN
american_scientific_journal-689	123	39	and	and	CCONJ
american_scientific_journal-689	123	40	security	security	NOUN
american_scientific_journal-689	123	41	in	in	ADP
american_scientific_journal-689	123	42	information	information	NOUN
american_scientific_journal-689	123	43	transaction	transaction	NOUN
american_scientific_journal-689	123	44	viability	viability	NOUN
american_scientific_journal-689	123	45	of	of	ADP
american_scientific_journal-689	123	46	internet	internet	NOUN
american_scientific_journal-689	123	47	access	access	NOUN
american_scientific_journal-689	123	48	.	.	PUNCT
american_scientific_journal-689	124	1	we	we	PRON
american_scientific_journal-689	124	2	learned	learn	VERB
american_scientific_journal-689	124	3	from	from	ADP
american_scientific_journal-689	124	4	these	these	DET
american_scientific_journal-689	124	5	variables	variable	NOUN
american_scientific_journal-689	124	6	.	.	PUNCT
american_scientific_journal-689	125	1	we	we	PRON
american_scientific_journal-689	125	2	have	have	AUX
american_scientific_journal-689	125	3	collected	collect	VERB
american_scientific_journal-689	125	4	data	datum	NOUN
american_scientific_journal-689	125	5	from	from	ADP
american_scientific_journal-689	125	6	200	200	NUM
american_scientific_journal-689	125	7	people	people	NOUN
american_scientific_journal-689	125	8	through	through	ADP
american_scientific_journal-689	125	9	the	the	DET
american_scientific_journal-689	125	10	email	email	NOUN
american_scientific_journal-689	125	11	,	,	PUNCT
american_scientific_journal-689	125	12	courier	courier	NOUN
american_scientific_journal-689	125	13	,	,	PUNCT
american_scientific_journal-689	125	14	and	and	CCONJ
american_scientific_journal-689	125	15	voice	voice	NOUN
american_scientific_journal-689	125	16	chat	chat	NOUN
american_scientific_journal-689	125	17	.	.	PUNCT
american_scientific_journal-689	126	1	we	we	PRON
american_scientific_journal-689	126	2	also	also	ADV
american_scientific_journal-689	126	3	sent	send	VERB
american_scientific_journal-689	126	4	questionnaire	questionnaire	NOUN
american_scientific_journal-689	126	5	with	with	ADP
american_scientific_journal-689	126	6	envelope	envelope	NOUN
american_scientific_journal-689	126	7	on	on	ADP
american_scientific_journal-689	126	8	with	with	ADP
american_scientific_journal-689	126	9	printed	print	VERB
american_scientific_journal-689	126	10	mailing	mailing	NOUN
american_scientific_journal-689	126	11	address	address	NOUN
american_scientific_journal-689	126	12	mentioned	mention	VERB
american_scientific_journal-689	126	13	for	for	ADP
american_scientific_journal-689	126	14	reply	reply	NOUN
american_scientific_journal-689	126	15	.	.	PUNCT
american_scientific_journal-689	127	1	questionnaire	questionnaire	NOUN
american_scientific_journal-689	127	2	forces	force	NOUN
american_scientific_journal-689	127	3	of	of	ADP
american_scientific_journal-689	127	4	electronic	electronic	ADJ
american_scientific_journal-689	127	5	banking	banking	NOUN
american_scientific_journal-689	127	6	on	on	ADP
american_scientific_journal-689	127	7	customer	customer	NOUN
american_scientific_journal-689	127	8	requirements	requirement	NOUN
american_scientific_journal-689	127	9	are	be	AUX
american_scientific_journal-689	127	10	a	a	DET
american_scientific_journal-689	127	11	topic	topic	NOUN
american_scientific_journal-689	127	12	which	which	PRON
american_scientific_journal-689	127	13	we	we	PRON
american_scientific_journal-689	127	14	conducted	conduct	VERB
american_scientific_journal-689	127	15	studies	study	NOUN
american_scientific_journal-689	127	16	that	that	PRON
american_scientific_journal-689	127	17	have	have	VERB
american_scientific_journal-689	127	18	a	a	DET
american_scientific_journal-689	127	19	people	people	NOUN
american_scientific_journal-689	127	20	satisfy	satisfy	VERB
american_scientific_journal-689	127	21	of	of	ADP
american_scientific_journal-689	127	22	the	the	DET
american_scientific_journal-689	127	23	electronic	electronic	ADJ
american_scientific_journal-689	127	24	banking	banking	NOUN
american_scientific_journal-689	127	25	products	product	NOUN
american_scientific_journal-689	127	26	and	and	CCONJ
american_scientific_journal-689	127	27	their	their	PRON
american_scientific_journal-689	127	28	services	service	NOUN
american_scientific_journal-689	127	29	.	.	PUNCT
american_scientific_journal-689	128	1	we	we	PRON
american_scientific_journal-689	128	2	defined	define	VERB
american_scientific_journal-689	128	3	some	some	DET
american_scientific_journal-689	128	4	variables	variable	NOUN
american_scientific_journal-689	128	5	above	above	ADP
american_scientific_journal-689	128	6	which	which	PRON
american_scientific_journal-689	128	7	would	would	AUX
american_scientific_journal-689	128	8	impact	impact	VERB
american_scientific_journal-689	128	9	on	on	ADP
american_scientific_journal-689	128	10	customer	customer	NOUN
american_scientific_journal-689	128	11	satisfaction	satisfaction	NOUN
american_scientific_journal-689	128	12	.	.	PUNCT
american_scientific_journal-689	129	1	major	major	ADJ
american_scientific_journal-689	129	2	variables	variable	NOUN
american_scientific_journal-689	129	3	are	be	AUX
american_scientific_journal-689	129	4	the	the	DET
american_scientific_journal-689	129	5	electronic	electronic	ADJ
american_scientific_journal-689	129	6	banking	banking	NOUN
american_scientific_journal-689	129	7	products	product	NOUN
american_scientific_journal-689	129	8	,	,	PUNCT
american_scientific_journal-689	129	9	cybercrimes	cybercrime	NOUN
american_scientific_journal-689	129	10	and	and	CCONJ
american_scientific_journal-689	129	11	availability	availability	NOUN
american_scientific_journal-689	129	12	of	of	ADP
american_scientific_journal-689	129	13	internet	internet	NOUN
american_scientific_journal-689	129	14	access	access	NOUN
american_scientific_journal-689	129	15	,	,	PUNCT
american_scientific_journal-689	129	16	security	security	NOUN
american_scientific_journal-689	129	17	in	in	ADP
american_scientific_journal-689	129	18	information	information	NOUN
american_scientific_journal-689	129	19	transaction	transaction	NOUN
american_scientific_journal-689	129	20	.	.	PUNCT
american_scientific_journal-689	130	1	customers	customer	NOUN
american_scientific_journal-689	130	2	believe	believe	VERB
american_scientific_journal-689	130	3	on	on	ADP
american_scientific_journal-689	130	4	electronic	electronic	ADJ
american_scientific_journal-689	130	5	banking	banking	NOUN
american_scientific_journal-689	130	6	products	product	NOUN
american_scientific_journal-689	130	7	on	on	ADP
american_scientific_journal-689	130	8	this	this	DET
american_scientific_journal-689	130	9	variable	variable	NOUN
american_scientific_journal-689	130	10	,	,	PUNCT
american_scientific_journal-689	130	11	we	we	PRON
american_scientific_journal-689	130	12	define	define	VERB
american_scientific_journal-689	130	13	the	the	DET
american_scientific_journal-689	130	14	satisfaction	satisfaction	NOUN
american_scientific_journal-689	130	15	of	of	ADP
american_scientific_journal-689	130	16	the	the	DET
american_scientific_journal-689	130	17	customer	customer	NOUN
american_scientific_journal-689	130	18	five	five	NUM
american_scientific_journal-689	130	19	questions	question	NOUN
american_scientific_journal-689	130	20	of	of	ADP
american_scientific_journal-689	130	21	each	each	DET
american_scientific_journal-689	130	22	variable	variable	NOUN
american_scientific_journal-689	130	23	.	.	PUNCT
american_scientific_journal-689	131	1	questions	question	NOUN
american_scientific_journal-689	131	2	we	we	PRON
american_scientific_journal-689	131	3	arranged	arrange	VERB
american_scientific_journal-689	131	4	five	five	NUM
american_scientific_journal-689	131	5	categories	category	NOUN
american_scientific_journal-689	131	6	such	such	ADJ
american_scientific_journal-689	131	7	as	as	ADP
american_scientific_journal-689	131	8	1fully	1fully	ADV
american_scientific_journal-689	131	9	disagree	disagree	VERB
american_scientific_journal-689	131	10	2	2	NUM
american_scientific_journal-689	131	11	=	=	PRON
american_scientific_journal-689	131	12	disagree	disagree	VERB
american_scientific_journal-689	131	13	3	3	NUM
american_scientific_journal-689	131	14	=	=	SYM
american_scientific_journal-689	131	15	slightly	slightly	ADV
american_scientific_journal-689	131	16	agree	agree	VERB
american_scientific_journal-689	131	17	4	4	NUM
american_scientific_journal-689	131	18	=	=	PRON
american_scientific_journal-689	131	19	agree	agree	VERB
american_scientific_journal-689	131	20	5	5	NUM
american_scientific_journal-689	131	21	=	=	PRON
american_scientific_journal-689	131	22	fully	fully	ADV
american_scientific_journal-689	131	23	disagree	disagree	VERB
american_scientific_journal-689	131	24	people	people	NOUN
american_scientific_journal-689	131	25	have	have	AUX
american_scientific_journal-689	131	26	just	just	ADV
american_scientific_journal-689	131	27	tick	tick	VERB
american_scientific_journal-689	131	28	the	the	DET
american_scientific_journal-689	131	29	satisfy	satisfy	PROPN
american_scientific_journal-689	131	30	answer	answer	NOUN
american_scientific_journal-689	131	31	.	.	PUNCT
american_scientific_journal-689	132	1	we	we	PRON
american_scientific_journal-689	132	2	have	have	AUX
american_scientific_journal-689	132	3	sent	send	VERB
american_scientific_journal-689	132	4	200	200	NUM
american_scientific_journal-689	132	5	questionnaire	questionnaire	NOUN
american_scientific_journal-689	132	6	to	to	ADP
american_scientific_journal-689	132	7	different	different	ADJ
american_scientific_journal-689	132	8	banks	bank	NOUN
american_scientific_journal-689	132	9	customers	customer	NOUN
american_scientific_journal-689	132	10	which	which	PRON
american_scientific_journal-689	132	11	are	be	AUX
american_scientific_journal-689	132	12	fill	fill	VERB
american_scientific_journal-689	132	13	by	by	ADP
american_scientific_journal-689	132	14	male	male	ADJ
american_scientific_journal-689	132	15	and	and	CCONJ
american_scientific_journal-689	132	16	female	female	ADJ
american_scientific_journal-689	132	17	as	as	ADV
american_scientific_journal-689	132	18	well	well	ADV
american_scientific_journal-689	132	19	.	.	PUNCT
american_scientific_journal-689	133	1	the	the	DET
american_scientific_journal-689	133	2	format	format	NOUN
american_scientific_journal-689	133	3	of	of	ADP
american_scientific_journal-689	133	4	questionnaire	questionnaire	NOUN
american_scientific_journal-689	133	5	is	be	AUX
american_scientific_journal-689	133	6	as	as	ADV
american_scientific_journal-689	133	7	bellow	bellow	ADJ
american_scientific_journal-689	133	8	:	:	PUNCT
american_scientific_journal-689	133	9	internet	internet	NOUN
american_scientific_journal-689	133	10	banking	banking	NOUN
american_scientific_journal-689	133	11	questionnaire	questionnaire	NOUN
american_scientific_journal-689	133	12	used	use	VERB
american_scientific_journal-689	133	13	for	for	ADP
american_scientific_journal-689	133	14	survey	survey	NOUN
american_scientific_journal-689	133	15	1	1	NUM
american_scientific_journal-689	133	16	.	.	PUNCT
american_scientific_journal-689	134	1	name	name	NOUN
american_scientific_journal-689	134	2	_	_	PUNCT
american_scientific_journal-689	135	1	_	_	PUNCT
american_scientific_journal-689	136	1	_	_	PUNCT
american_scientific_journal-689	137	1	_	_	PUNCT
american_scientific_journal-689	138	1	_	_	PUNCT
american_scientific_journal-689	139	1	_	_	PUNCT
american_scientific_journal-689	139	2	2	2	NUM
american_scientific_journal-689	139	3	bank	bank	NOUN
american_scientific_journal-689	139	4	name	name	NOUN
american_scientific_journal-689	139	5	_	_	PUNCT
american_scientific_journal-689	140	1	_	_	PUNCT
american_scientific_journal-689	141	1	_	_	PUNCT
american_scientific_journal-689	142	1	_	_	PUNCT
american_scientific_journal-689	143	1	_	_	PUNCT
american_scientific_journal-689	144	1	_	_	PUNCT
american_scientific_journal-689	145	1	_	_	PUNCT
american_scientific_journal-689	146	1	_	_	PUNCT
american_scientific_journal-689	147	1	3	3	X
american_scientific_journal-689	147	2	.	.	X
american_scientific_journal-689	147	3	what	what	PRON
american_scientific_journal-689	147	4	is	be	AUX
american_scientific_journal-689	147	5	the	the	DET
american_scientific_journal-689	147	6	level	level	NOUN
american_scientific_journal-689	147	7	of	of	ADP
american_scientific_journal-689	147	8	your	your	PRON
american_scientific_journal-689	147	9	agreement	agreement	NOUN
american_scientific_journal-689	147	10	with	with	ADP
american_scientific_journal-689	147	11	the	the	DET
american_scientific_journal-689	147	12	statements	statement	NOUN
american_scientific_journal-689	147	13	below	below	ADV
american_scientific_journal-689	147	14	?	?	PUNCT
american_scientific_journal-689	148	1	please	please	INTJ
american_scientific_journal-689	148	2	choose	choose	VERB
american_scientific_journal-689	148	3	1	1	NUM
american_scientific_journal-689	148	4	if	if	SCONJ
american_scientific_journal-689	148	5	you	you	PRON
american_scientific_journal-689	148	6	are	be	AUX
american_scientific_journal-689	148	7	totally	totally	ADV
american_scientific_journal-689	148	8	disagree	disagree	VERB
american_scientific_journal-689	148	9	2	2	NUM
american_scientific_journal-689	148	10	=	=	NOUN
american_scientific_journal-689	148	11	if	if	SCONJ
american_scientific_journal-689	148	12	disagree	disagree	VERB
american_scientific_journal-689	148	13	3	3	NUM
american_scientific_journal-689	148	14	=	=	NOUN
american_scientific_journal-689	148	15	if	if	SCONJ
american_scientific_journal-689	148	16	slightly	slightly	ADV
american_scientific_journal-689	148	17	agree	agree	VERB
american_scientific_journal-689	148	18	3	3	NUM
american_scientific_journal-689	148	19	=	=	NOUN
american_scientific_journal-689	148	20	if	if	SCONJ
american_scientific_journal-689	148	21	agree	agree	VERB
american_scientific_journal-689	148	22	5	5	NUM
american_scientific_journal-689	148	23	=	=	NOUN
american_scientific_journal-689	148	24	if	if	SCONJ
american_scientific_journal-689	148	25	totally	totally	ADV
american_scientific_journal-689	148	26	agree	agree	VERB
american_scientific_journal-689	148	27	,	,	PUNCT
american_scientific_journal-689	148	28	internet	internet	NOUN
american_scientific_journal-689	148	29	banking	banking	NOUN
american_scientific_journal-689	148	30	is	be	AUX
american_scientific_journal-689	148	31	a	a	DET
american_scientific_journal-689	148	32	developed	developed	ADJ
american_scientific_journal-689	148	33	world	world	NOUN
american_scientific_journal-689	148	34	tendency	tendency	NOUN
american_scientific_journal-689	148	35	but	but	CCONJ
american_scientific_journal-689	148	36	not	not	PART
american_scientific_journal-689	148	37	yet	yet	ADV
american_scientific_journal-689	148	38	fit	fit	ADJ
american_scientific_journal-689	148	39	to	to	ADP
american_scientific_journal-689	148	40	our	our	PRON
american_scientific_journal-689	148	41	society	society	NOUN
american_scientific_journal-689	148	42	?	?	PUNCT
american_scientific_journal-689	149	1	79	79	NUM
american_scientific_journal-689	149	2	american	american	ADJ
american_scientific_journal-689	149	3	scientific	scientific	ADJ
american_scientific_journal-689	149	4	research	research	NOUN
american_scientific_journal-689	149	5	journal	journal	NOUN
american_scientific_journal-689	149	6	for	for	ADP
american_scientific_journal-689	149	7	engineering	engineering	NOUN
american_scientific_journal-689	149	8	,	,	PUNCT
american_scientific_journal-689	149	9	technology	technology	NOUN
american_scientific_journal-689	149	10	,	,	PUNCT
american_scientific_journal-689	149	11	and	and	CCONJ
american_scientific_journal-689	149	12	sciences	science	NOUN
american_scientific_journal-689	149	13	(	(	PUNCT
american_scientific_journal-689	149	14	asrjets	asrjet	NOUN
american_scientific_journal-689	149	15	)	)	PUNCT
american_scientific_journal-689	149	16	(	(	PUNCT
american_scientific_journal-689	149	17	2014	2014	NUM
american_scientific_journal-689	149	18	)	)	PUNCT
american_scientific_journal-689	149	19	volume	volume	NOUN
american_scientific_journal-689	149	20	10	10	NUM
american_scientific_journal-689	149	21	,	,	PUNCT
american_scientific_journal-689	149	22	no	no	DET
american_scientific_journal-689	149	23	1	1	NUM
american_scientific_journal-689	149	24	,	,	PUNCT
american_scientific_journal-689	149	25	pp	pp	ADV
american_scientific_journal-689	149	26	74	74	NUM
american_scientific_journal-689	149	27	-	-	SYM
american_scientific_journal-689	149	28	84	84	NUM
american_scientific_journal-689	149	29	1	1	NUM
american_scientific_journal-689	149	30	2	2	NUM
american_scientific_journal-689	149	31	3	3	NUM
american_scientific_journal-689	149	32	4	4	NUM
american_scientific_journal-689	149	33	5	5	NUM
american_scientific_journal-689	149	34	02	02	NUM
american_scientific_journal-689	149	35	our	our	PRON
american_scientific_journal-689	149	36	banking	banking	NOUN
american_scientific_journal-689	149	37	sectors	sector	NOUN
american_scientific_journal-689	149	38	are	be	AUX
american_scientific_journal-689	149	39	competent	competent	ADJ
american_scientific_journal-689	149	40	enough	enough	ADV
american_scientific_journal-689	149	41	(	(	PUNCT
american_scientific_journal-689	149	42	having	have	VERB
american_scientific_journal-689	149	43	infrastructure	infrastructure	NOUN
american_scientific_journal-689	149	44	,	,	PUNCT
american_scientific_journal-689	149	45	skilled	skilled	ADJ
american_scientific_journal-689	149	46	labor	labor	NOUN
american_scientific_journal-689	149	47	.	.	PUNCT
american_scientific_journal-689	150	1	final	final	ADJ
american_scientific_journal-689	150	2	resources	resource	NOUN
american_scientific_journal-689	150	3	)	)	PUNCT
american_scientific_journal-689	150	4	of	of	ADP
american_scientific_journal-689	150	5	the	the	DET
american_scientific_journal-689	150	6	internet	internet	NOUN
american_scientific_journal-689	150	7	banking	banking	NOUN
american_scientific_journal-689	150	8	adoption	adoption	NOUN
american_scientific_journal-689	150	9	/	/	SYM
american_scientific_journal-689	150	10	implementations	implementation	NOUN
american_scientific_journal-689	150	11	by	by	ADP
american_scientific_journal-689	150	12	its	its	PRON
american_scientific_journal-689	150	13	competitors	competitor	NOUN
american_scientific_journal-689	150	14	.	.	PUNCT
american_scientific_journal-689	151	1	1	1	NUM
american_scientific_journal-689	151	2	2	2	NUM
american_scientific_journal-689	151	3	3	3	NUM
american_scientific_journal-689	151	4	4	4	NUM
american_scientific_journal-689	151	5	5	5	NUM
american_scientific_journal-689	151	6	03	03	NUM
american_scientific_journal-689	151	7	the	the	DET
american_scientific_journal-689	151	8	bankers	banker	NOUN
american_scientific_journal-689	151	9	are	be	AUX
american_scientific_journal-689	151	10	well	well	ADV
american_scientific_journal-689	151	11	awareness	awareness	NOUN
american_scientific_journal-689	151	12	of	of	ADP
american_scientific_journal-689	151	13	it	it	PRON
american_scientific_journal-689	151	14	and	and	CCONJ
american_scientific_journal-689	151	15	have	have	VERB
american_scientific_journal-689	151	16	access	access	NOUN
american_scientific_journal-689	151	17	to	to	ADP
american_scientific_journal-689	151	18	computers	computer	NOUN
american_scientific_journal-689	151	19	and	and	CCONJ
american_scientific_journal-689	151	20	internet	internet	NOUN
american_scientific_journal-689	151	21	in	in	ADP
american_scientific_journal-689	151	22	office	office	NOUN
american_scientific_journal-689	151	23	.	.	PUNCT
american_scientific_journal-689	152	1	1	1	NUM
american_scientific_journal-689	152	2	2	2	NUM
american_scientific_journal-689	152	3	3	3	NUM
american_scientific_journal-689	152	4	4	4	NUM
american_scientific_journal-689	152	5	5	5	NUM
american_scientific_journal-689	152	6	04	04	NUM
american_scientific_journal-689	152	7	we	we	PRON
american_scientific_journal-689	152	8	have	have	VERB
american_scientific_journal-689	152	9	necessary	necessary	ADJ
american_scientific_journal-689	152	10	infrastructure	infrastructure	NOUN
american_scientific_journal-689	152	11	such	such	ADJ
american_scientific_journal-689	152	12	as	as	ADP
american_scientific_journal-689	152	13	inhouse	inhouse	NOUN
american_scientific_journal-689	152	14	technique	technique	NOUN
american_scientific_journal-689	152	15	,	,	PUNCT
american_scientific_journal-689	152	16	1	1	NUM
american_scientific_journal-689	152	17	2	2	NUM
american_scientific_journal-689	152	18	3	3	NUM
american_scientific_journal-689	152	19	4	4	NUM
american_scientific_journal-689	152	20	5	5	NUM
american_scientific_journal-689	152	21	management	management	NOUN
american_scientific_journal-689	152	22	and	and	CCONJ
american_scientific_journal-689	152	23	other	other	ADJ
american_scientific_journal-689	152	24	technique	technique	NOUN
american_scientific_journal-689	152	25	to	to	PART
american_scientific_journal-689	152	26	develop	develop	VERB
american_scientific_journal-689	152	27	internet	internet	NOUN
american_scientific_journal-689	152	28	banking	banking	NOUN
american_scientific_journal-689	152	29	.	.	PUNCT
american_scientific_journal-689	153	1	05	05	NUM
american_scientific_journal-689	154	1	the	the	DET
american_scientific_journal-689	154	2	political	political	ADJ
american_scientific_journal-689	154	3	and	and	CCONJ
american_scientific_journal-689	154	4	legal	legal	ADJ
american_scientific_journal-689	154	5	environment	environment	NOUN
american_scientific_journal-689	154	6	is	be	AUX
american_scientific_journal-689	154	7	supportive	supportive	ADJ
american_scientific_journal-689	154	8	to	to	PART
american_scientific_journal-689	154	9	conduct	conduct	VERB
american_scientific_journal-689	154	10	business	business	NOUN
american_scientific_journal-689	154	11	on	on	ADP
american_scientific_journal-689	154	12	the	the	DET
american_scientific_journal-689	154	13	internet	internet	NOUN
american_scientific_journal-689	154	14	.	.	PUNCT
american_scientific_journal-689	155	1	1	1	NUM
american_scientific_journal-689	155	2	2	2	NUM
american_scientific_journal-689	155	3	3	3	NUM
american_scientific_journal-689	155	4	4	4	NUM
american_scientific_journal-689	155	5	5	5	NUM
american_scientific_journal-689	155	6	06	06	NUM
american_scientific_journal-689	155	7	our	our	PRON
american_scientific_journal-689	155	8	bank	bank	NOUN
american_scientific_journal-689	155	9	is	be	AUX
american_scientific_journal-689	155	10	allocating	allocate	VERB
american_scientific_journal-689	155	11	sufficiently	sufficiently	ADV
american_scientific_journal-689	155	12	funds	fund	NOUN
american_scientific_journal-689	155	13	in	in	ADP
american_scientific_journal-689	155	14	projects	project	NOUN
american_scientific_journal-689	155	15	related	relate	VERB
american_scientific_journal-689	155	16	to	to	ADP
american_scientific_journal-689	155	17	internet	internet	NOUN
american_scientific_journal-689	155	18	banking	banking	NOUN
american_scientific_journal-689	155	19	and	and	CCONJ
american_scientific_journal-689	155	20	ecommerce	ecommerce	NOUN
american_scientific_journal-689	155	21	.	.	PROPN
american_scientific_journal-689	156	1	1	1	NUM
american_scientific_journal-689	156	2	2	2	NUM
american_scientific_journal-689	156	3	3	3	NUM
american_scientific_journal-689	156	4	4	4	NUM
american_scientific_journal-689	156	5	5	5	NUM
american_scientific_journal-689	156	6	07	07	NUM
american_scientific_journal-689	156	7	our	our	PRON
american_scientific_journal-689	156	8	banks	bank	NOUN
american_scientific_journal-689	156	9	have	have	VERB
american_scientific_journal-689	156	10	sufficient	sufficient	ADJ
american_scientific_journal-689	156	11	resources	resource	NOUN
american_scientific_journal-689	156	12	(	(	PUNCT
american_scientific_journal-689	156	13	such	such	ADJ
american_scientific_journal-689	156	14	human	human	ADJ
american_scientific_journal-689	156	15	,	,	PUNCT
american_scientific_journal-689	156	16	finance	finance	NOUN
american_scientific_journal-689	156	17	,	,	PUNCT
american_scientific_journal-689	156	18	and	and	CCONJ
american_scientific_journal-689	156	19	technical	technical	ADJ
american_scientific_journal-689	156	20	)	)	PUNCT
american_scientific_journal-689	156	21	for	for	ADP
american_scientific_journal-689	156	22	internet	internet	NOUN
american_scientific_journal-689	156	23	banking	banking	NOUN
american_scientific_journal-689	156	24	adoption	adoption	NOUN
american_scientific_journal-689	156	25	/	/	SYM
american_scientific_journal-689	156	26	implementation	implementation	NOUN
american_scientific_journal-689	156	27	.	.	PUNCT
american_scientific_journal-689	157	1	1	1	NUM
american_scientific_journal-689	157	2	2	2	NUM
american_scientific_journal-689	157	3	3	3	NUM
american_scientific_journal-689	157	4	4	4	NUM
american_scientific_journal-689	157	5	5	5	NUM
american_scientific_journal-689	157	6	08	08	NUM
american_scientific_journal-689	157	7	there	there	PRON
american_scientific_journal-689	157	8	is	be	VERB
american_scientific_journal-689	157	9	no/	no/	NOUN
american_scientific_journal-689	157	10	lack	lack	NOUN
american_scientific_journal-689	157	11	of	of	ADP
american_scientific_journal-689	157	12	trust	trust	NOUN
american_scientific_journal-689	157	13	of	of	ADP
american_scientific_journal-689	157	14	customers	customer	NOUN
american_scientific_journal-689	157	15	on	on	ADP
american_scientific_journal-689	157	16	internet	internet	NOUN
american_scientific_journal-689	157	17	banking	banking	NOUN
american_scientific_journal-689	157	18	.	.	PUNCT
american_scientific_journal-689	158	1	1	1	NUM
american_scientific_journal-689	158	2	2	2	NUM
american_scientific_journal-689	158	3	3	3	NUM
american_scientific_journal-689	158	4	4	4	NUM
american_scientific_journal-689	158	5	5	5	NUM
american_scientific_journal-689	158	6	09	09	NUM
american_scientific_journal-689	158	7	do	do	AUX
american_scientific_journal-689	158	8	u	u	PRON
american_scientific_journal-689	158	9	think	think	VERB
american_scientific_journal-689	158	10	,	,	PUNCT
american_scientific_journal-689	158	11	banking	banking	NOUN
american_scientific_journal-689	158	12	sectors	sector	NOUN
american_scientific_journal-689	158	13	exist	exist	VERB
american_scientific_journal-689	158	14	a	a	DET
american_scientific_journal-689	158	15	clear	clear	ADJ
american_scientific_journal-689	158	16	vision	vision	NOUN
american_scientific_journal-689	158	17	on	on	ADP
american_scientific_journal-689	158	18	such	such	ADJ
american_scientific_journal-689	158	19	as	as	ADP
american_scientific_journal-689	158	20	internet	internet	NOUN
american_scientific_journal-689	158	21	banking	banking	NOUN
american_scientific_journal-689	158	22	.	.	PUNCT
american_scientific_journal-689	159	1	1	1	NUM
american_scientific_journal-689	159	2	2	2	NUM
american_scientific_journal-689	159	3	3	3	NUM
american_scientific_journal-689	159	4	4	4	NUM
american_scientific_journal-689	159	5	5	5	NUM
american_scientific_journal-689	159	6	10	10	NUM
american_scientific_journal-689	159	7	in	in	ADP
american_scientific_journal-689	159	8	our	our	PRON
american_scientific_journal-689	159	9	bank	bank	NOUN
american_scientific_journal-689	159	10	,	,	PUNCT
american_scientific_journal-689	159	11	strategic	strategic	ADJ
american_scientific_journal-689	159	12	level	level	NOUN
american_scientific_journal-689	159	13	management	management	NOUN
american_scientific_journal-689	159	14	are	be	AUX
american_scientific_journal-689	159	15	willing	willing	ADJ
american_scientific_journal-689	159	16	about	about	ADP
american_scientific_journal-689	159	17	internet	internet	NOUN
american_scientific_journal-689	159	18	banking	banking	NOUN
american_scientific_journal-689	159	19	adoption	adoption	NOUN
american_scientific_journal-689	159	20	and	and	CCONJ
american_scientific_journal-689	159	21	implementation	implementation	NOUN
american_scientific_journal-689	159	22	.	.	PUNCT
american_scientific_journal-689	160	1	1	1	NUM
american_scientific_journal-689	160	2	2	2	NUM
american_scientific_journal-689	160	3	3	3	NUM
american_scientific_journal-689	160	4	4	4	NUM
american_scientific_journal-689	160	5	5	5	NUM
american_scientific_journal-689	160	6	11	11	NUM
american_scientific_journal-689	160	7	we	we	PRON
american_scientific_journal-689	160	8	will	will	AUX
american_scientific_journal-689	160	9	face	face	VERB
american_scientific_journal-689	160	10	difficulty	difficulty	NOUN
american_scientific_journal-689	160	11	in	in	ADP
american_scientific_journal-689	160	12	bringing	bring	VERB
american_scientific_journal-689	160	13	the	the	DET
american_scientific_journal-689	160	14	changes	change	NOUN
american_scientific_journal-689	160	15	in	in	ADP
american_scientific_journal-689	160	16	introducing	introduce	VERB
american_scientific_journal-689	160	17	internet	internet	NOUN
american_scientific_journal-689	160	18	banking	banking	NOUN
american_scientific_journal-689	160	19	.	.	PUNCT
american_scientific_journal-689	161	1	1	1	NUM
american_scientific_journal-689	161	2	2	2	NUM
american_scientific_journal-689	161	3	3	3	NUM
american_scientific_journal-689	161	4	4	4	NUM
american_scientific_journal-689	161	5	5	5	NUM
american_scientific_journal-689	161	6	12	12	NUM
american_scientific_journal-689	161	7	the	the	DET
american_scientific_journal-689	161	8	telecommunication	telecommunication	NOUN
american_scientific_journal-689	161	9	infrastructure	infrastructure	NOUN
american_scientific_journal-689	161	10	of	of	ADP
american_scientific_journal-689	161	11	our	our	PRON
american_scientific_journal-689	161	12	country	country	NOUN
american_scientific_journal-689	161	13	is	be	AUX
american_scientific_journal-689	161	14	competent	competent	ADJ
american_scientific_journal-689	161	15	enough	enough	ADV
american_scientific_journal-689	161	16	and	and	CCONJ
american_scientific_journal-689	161	17	efficient	efficient	ADJ
american_scientific_journal-689	161	18	.	.	PUNCT
american_scientific_journal-689	162	1	1	1	NUM
american_scientific_journal-689	162	2	2	2	NUM
american_scientific_journal-689	162	3	3	3	NUM
american_scientific_journal-689	162	4	4	4	NUM
american_scientific_journal-689	162	5	5	5	NUM
american_scientific_journal-689	162	6	13	13	NUM
american_scientific_journal-689	162	7	in	in	ADP
american_scientific_journal-689	162	8	normal	normal	ADJ
american_scientific_journal-689	162	9	,	,	PUNCT
american_scientific_journal-689	162	10	customers	customer	NOUN
american_scientific_journal-689	162	11	prefer	prefer	VERB
american_scientific_journal-689	162	12	for	for	ADP
american_scientific_journal-689	162	13	conventional	conventional	ADJ
american_scientific_journal-689	162	14	way	way	NOUN
american_scientific_journal-689	162	15	of	of	ADP
american_scientific_journal-689	162	16	working	work	VERB
american_scientific_journal-689	162	17	business	business	NOUN
american_scientific_journal-689	162	18	.	.	PUNCT
american_scientific_journal-689	163	1	1	1	NUM
american_scientific_journal-689	163	2	2	2	NUM
american_scientific_journal-689	163	3	3	3	NUM
american_scientific_journal-689	163	4	4	4	NUM
american_scientific_journal-689	163	5	5	5	NUM
american_scientific_journal-689	163	6	14	14	NUM
american_scientific_journal-689	163	7	there	there	PRON
american_scientific_journal-689	163	8	is	be	VERB
american_scientific_journal-689	163	9	less	less	ADJ
american_scientific_journal-689	163	10	/	/	SYM
american_scientific_journal-689	163	11	lack	lack	NOUN
american_scientific_journal-689	163	12	of	of	ADP
american_scientific_journal-689	163	13	awareness	awareness	NOUN
american_scientific_journal-689	163	14	or	or	CCONJ
american_scientific_journal-689	163	15	it	it	PRON
american_scientific_journal-689	163	16	knowledge	knowledge	NOUN
american_scientific_journal-689	163	17	among	among	ADP
american_scientific_journal-689	163	18	customers	customer	NOUN
american_scientific_journal-689	163	19	.	.	PUNCT
american_scientific_journal-689	164	1	1	1	NUM
american_scientific_journal-689	164	2	2	2	NUM
american_scientific_journal-689	164	3	3	3	NUM
american_scientific_journal-689	164	4	4	4	NUM
american_scientific_journal-689	164	5	5	5	NUM
american_scientific_journal-689	164	6	15	15	NUM
american_scientific_journal-689	164	7	customers	customer	NOUN
american_scientific_journal-689	164	8	feel	feel	VERB
american_scientific_journal-689	164	9	reluctant	reluctant	ADJ
american_scientific_journal-689	164	10	of	of	ADP
american_scientific_journal-689	164	11	doing	do	VERB
american_scientific_journal-689	164	12	electronic	electronic	ADJ
american_scientific_journal-689	164	13	banking	banking	NOUN
american_scientific_journal-689	164	14	transactions	transaction	NOUN
american_scientific_journal-689	164	15	because	because	SCONJ
american_scientific_journal-689	164	16	of	of	ADP
american_scientific_journal-689	164	17	security	security	NOUN
american_scientific_journal-689	164	18	.	.	PUNCT
american_scientific_journal-689	165	1	1	1	NUM
american_scientific_journal-689	165	2	2	2	NUM
american_scientific_journal-689	165	3	3	3	NUM
american_scientific_journal-689	165	4	4	4	NUM
american_scientific_journal-689	165	5	5	5	NUM
american_scientific_journal-689	165	6	problems	problem	NOUN
american_scientific_journal-689	165	7	:	:	PUNCT
american_scientific_journal-689	165	8	during	during	ADP
american_scientific_journal-689	165	9	the	the	DET
american_scientific_journal-689	165	10	researched	research	VERB
american_scientific_journal-689	165	11	worked	work	VERB
american_scientific_journal-689	165	12	we	we	PRON
american_scientific_journal-689	165	13	faced	face	VERB
american_scientific_journal-689	165	14	some	some	PRON
american_scientific_journal-689	165	15	of	of	ADP
american_scientific_journal-689	165	16	problems	problem	NOUN
american_scientific_journal-689	165	17	that	that	PRON
american_scientific_journal-689	165	18	some	some	DET
american_scientific_journal-689	165	19	users	user	NOUN
american_scientific_journal-689	165	20	of	of	ADP
american_scientific_journal-689	165	21	the	the	PRON
american_scientific_journal-689	165	22	not	not	PART
american_scientific_journal-689	165	23	able	able	ADJ
american_scientific_journal-689	165	24	to	to	PART
american_scientific_journal-689	165	25	get	get	VERB
american_scientific_journal-689	165	26	what	what	PRON
american_scientific_journal-689	165	27	we	we	PRON
american_scientific_journal-689	165	28	want	want	VERB
american_scientific_journal-689	165	29	from	from	ADP
american_scientific_journal-689	165	30	them	they	PRON
american_scientific_journal-689	165	31	.	.	PUNCT
american_scientific_journal-689	166	1	even	even	ADV
american_scientific_journal-689	166	2	some	some	PRON
american_scientific_journal-689	166	3	of	of	ADP
american_scientific_journal-689	166	4	them	they	PRON
american_scientific_journal-689	166	5	considered	consider	VERB
american_scientific_journal-689	166	6	it	it	PRON
american_scientific_journal-689	166	7	as	as	ADP
american_scientific_journal-689	166	8	legal	legal	ADJ
american_scientific_journal-689	166	9	or	or	CCONJ
american_scientific_journal-689	166	10	some	some	DET
american_scientific_journal-689	166	11	notification	notification	NOUN
american_scientific_journal-689	166	12	from	from	ADP
american_scientific_journal-689	166	13	the	the	DET
american_scientific_journal-689	166	14	banks	bank	NOUN
american_scientific_journal-689	166	15	.	.	PUNCT
american_scientific_journal-689	167	1	they	they	PRON
american_scientific_journal-689	167	2	felt	feel	VERB
american_scientific_journal-689	167	3	reluctant	reluctant	ADJ
american_scientific_journal-689	167	4	to	to	PART
american_scientific_journal-689	167	5	fill	fill	VERB
american_scientific_journal-689	167	6	it	it	PRON
american_scientific_journal-689	167	7	.	.	PUNCT
american_scientific_journal-689	168	1	but	but	CCONJ
american_scientific_journal-689	168	2	we	we	PRON
american_scientific_journal-689	168	3	convinced	convince	VERB
american_scientific_journal-689	168	4	them	they	PRON
american_scientific_journal-689	168	5	to	to	PART
american_scientific_journal-689	168	6	do	do	VERB
american_scientific_journal-689	168	7	this	this	PRON
american_scientific_journal-689	168	8	and	and	CCONJ
american_scientific_journal-689	168	9	gave	give	VERB
american_scientific_journal-689	168	10	some	some	DET
american_scientific_journal-689	168	11	briefing	briefing	NOUN
american_scientific_journal-689	168	12	about	about	ADP
american_scientific_journal-689	168	13	the	the	DET
american_scientific_journal-689	168	14	questionnaire	questionnaire	NOUN
american_scientific_journal-689	168	15	.	.	PUNCT
american_scientific_journal-689	169	1	after	after	ADP
american_scientific_journal-689	169	2	this	this	PRON
american_scientific_journal-689	169	3	we	we	PRON
american_scientific_journal-689	169	4	got	get	VERB
american_scientific_journal-689	169	5	the	the	DET
american_scientific_journal-689	169	6	good	good	ADJ
american_scientific_journal-689	169	7	results	result	NOUN
american_scientific_journal-689	169	8	from	from	ADP
american_scientific_journal-689	169	9	the	the	DET
american_scientific_journal-689	169	10	clients	client	NOUN
american_scientific_journal-689	169	11	of	of	ADP
american_scientific_journal-689	169	12	the	the	DET
american_scientific_journal-689	169	13	bank	bank	NOUN
american_scientific_journal-689	169	14	.	.	PUNCT
american_scientific_journal-689	170	1	it	it	PRON
american_scientific_journal-689	170	2	is	be	AUX
american_scientific_journal-689	170	3	filled	fill	VERB
american_scientific_journal-689	170	4	by	by	ADP
american_scientific_journal-689	170	5	the	the	DET
american_scientific_journal-689	170	6	male	male	NOUN
american_scientific_journal-689	170	7	and	and	CCONJ
american_scientific_journal-689	170	8	some	some	PRON
american_scientific_journal-689	170	9	of	of	ADP
american_scientific_journal-689	170	10	female	female	ADJ
american_scientific_journal-689	170	11	as	as	ADV
american_scientific_journal-689	170	12	well	well	ADV
american_scientific_journal-689	170	13	.	.	PUNCT
american_scientific_journal-689	171	1	we	we	PRON
american_scientific_journal-689	171	2	rated	rate	VERB
american_scientific_journal-689	171	3	the	the	DET
american_scientific_journal-689	171	4	answer	answer	NOUN
american_scientific_journal-689	171	5	replying	replying	NOUN
american_scientific_journal-689	171	6	by	by	ADP
american_scientific_journal-689	171	7	1=100	1=100	NUM
american_scientific_journal-689	171	8	,	,	PUNCT
american_scientific_journal-689	171	9	2=80	2=80	NUM
american_scientific_journal-689	171	10	,	,	PUNCT
american_scientific_journal-689	171	11	3=60	3=60	NUM
american_scientific_journal-689	171	12	,	,	PUNCT
american_scientific_journal-689	171	13	4=40	4=40	NUM
american_scientific_journal-689	171	14	and	and	CCONJ
american_scientific_journal-689	171	15	5=20	5=20	NUM
american_scientific_journal-689	171	16	.	.	PUNCT
american_scientific_journal-689	172	1	we	we	PRON
american_scientific_journal-689	172	2	present	present	VERB
american_scientific_journal-689	172	3	this	this	DET
american_scientific_journal-689	172	4	rating	rating	NOUN
american_scientific_journal-689	172	5	in	in	ADP
american_scientific_journal-689	172	6	the	the	DET
american_scientific_journal-689	172	7	diagram	diagram	NOUN
american_scientific_journal-689	172	8	which	which	PRON
american_scientific_journal-689	172	9	is	be	AUX
american_scientific_journal-689	172	10	as	as	ADV
american_scientific_journal-689	172	11	below	below	ADV
american_scientific_journal-689	172	12	.	.	PUNCT
american_scientific_journal-689	173	1	we	we	PRON
american_scientific_journal-689	173	2	found	find	VERB
american_scientific_journal-689	173	3	the	the	DET
american_scientific_journal-689	173	4	different	different	ADJ
american_scientific_journal-689	173	5	results	result	NOUN
american_scientific_journal-689	173	6	from	from	ADP
american_scientific_journal-689	173	7	the	the	DET
american_scientific_journal-689	173	8	200	200	NUM
american_scientific_journal-689	173	9	customers	customer	NOUN
american_scientific_journal-689	173	10	.	.	PUNCT
american_scientific_journal-689	174	1	majority	majority	NOUN
american_scientific_journal-689	174	2	concern	concern	NOUN
american_scientific_journal-689	174	3	of	of	ADP
american_scientific_journal-689	174	4	the	the	DET
american_scientific_journal-689	174	5	customer	customer	NOUN
american_scientific_journal-689	174	6	were	be	AUX
american_scientific_journal-689	174	7	the	the	DET
american_scientific_journal-689	174	8	question	question	NOUN
american_scientific_journal-689	174	9	no	no	DET
american_scientific_journal-689	174	10	1	1	X
american_scientific_journal-689	174	11	.	.	PUNCT
american_scientific_journal-689	175	1	we	we	PRON
american_scientific_journal-689	175	2	will	will	AUX
american_scientific_journal-689	175	3	hope	hope	VERB
american_scientific_journal-689	175	4	so	so	SCONJ
american_scientific_journal-689	175	5	banking	banking	NOUN
american_scientific_journal-689	175	6	sectors	sector	NOUN
american_scientific_journal-689	175	7	will	will	AUX
american_scientific_journal-689	175	8	consider	consider	VERB
american_scientific_journal-689	175	9	our	our	PRON
american_scientific_journal-689	175	10	work	work	NOUN
american_scientific_journal-689	175	11	and	and	CCONJ
american_scientific_journal-689	175	12	our	our	PRON
american_scientific_journal-689	175	13	recommendation	recommendation	NOUN
american_scientific_journal-689	175	14	.	.	PUNCT
american_scientific_journal-689	176	1	120	120	NUM
american_scientific_journal-689	176	2	100	100	NUM
american_scientific_journal-689	176	3	80	80	NUM
american_scientific_journal-689	176	4	60	60	NUM
american_scientific_journal-689	176	5	40	40	NUM
american_scientific_journal-689	176	6	20	20	NUM
american_scientific_journal-689	176	7	0	0	NUM
american_scientific_journal-689	176	8	1	1	NUM
american_scientific_journal-689	176	9	2	2	NUM
american_scientific_journal-689	176	10	3	3	NUM
american_scientific_journal-689	176	11	4	4	NUM
american_scientific_journal-689	176	12	5	5	NUM
american_scientific_journal-689	176	13	6	6	NUM
american_scientific_journal-689	176	14	7	7	NUM
american_scientific_journal-689	176	15	8	8	NUM
american_scientific_journal-689	176	16	9	9	NUM
american_scientific_journal-689	176	17	10	10	NUM
american_scientific_journal-689	176	18	11	11	NUM
american_scientific_journal-689	176	19	12	12	NUM
american_scientific_journal-689	176	20	13	13	NUM
american_scientific_journal-689	176	21	14	14	NUM
american_scientific_journal-689	176	22	15	15	NUM
american_scientific_journal-689	176	23	1	1	NUM
american_scientific_journal-689	176	24	2	2	NUM
american_scientific_journal-689	176	25	3	3	NUM
american_scientific_journal-689	176	26	4	4	NUM
american_scientific_journal-689	176	27	5	5	NUM
american_scientific_journal-689	176	28	conclusion	conclusion	NOUN
american_scientific_journal-689	176	29	electronic	electronic	ADJ
american_scientific_journal-689	176	30	banking	banking	NOUN
american_scientific_journal-689	176	31	is	be	AUX
american_scientific_journal-689	176	32	the	the	DET
american_scientific_journal-689	176	33	most	most	ADV
american_scientific_journal-689	176	34	normally	normally	ADV
american_scientific_journal-689	176	35	utilize	utilize	VERB
american_scientific_journal-689	176	36	every	every	DET
american_scientific_journal-689	176	37	day	day	NOUN
american_scientific_journal-689	176	38	because	because	SCONJ
american_scientific_journal-689	176	39	everyone	everyone	PRON
american_scientific_journal-689	176	40	have	have	VERB
american_scientific_journal-689	176	41	busy	busy	ADJ
american_scientific_journal-689	176	42	life	life	NOUN
american_scientific_journal-689	176	43	style	style	NOUN
american_scientific_journal-689	176	44	and	and	CCONJ
american_scientific_journal-689	176	45	needs	need	VERB
american_scientific_journal-689	176	46	to	to	PART
american_scientific_journal-689	176	47	be	be	AUX
american_scientific_journal-689	176	48	prompt	prompt	ADJ
american_scientific_journal-689	176	49	and	and	CCONJ
american_scientific_journal-689	176	50	well	well	ADV
american_scientific_journal-689	176	51	-	-	PUNCT
american_scientific_journal-689	176	52	organized	organize	VERB
american_scientific_journal-689	176	53	work	work	NOUN
american_scientific_journal-689	176	54	.	.	PUNCT
american_scientific_journal-689	177	1	in	in	ADP
american_scientific_journal-689	177	2	the	the	DET
american_scientific_journal-689	177	3	electronic	electronic	ADJ
american_scientific_journal-689	177	4	banking	banking	NOUN
american_scientific_journal-689	177	5	is	be	AUX
american_scientific_journal-689	177	6	best	good	ADJ
american_scientific_journal-689	177	7	way	way	NOUN
american_scientific_journal-689	177	8	of	of	ADP
american_scientific_journal-689	177	9	transaction	transaction	NOUN
american_scientific_journal-689	177	10	of	of	ADP
american_scientific_journal-689	177	11	money	money	NOUN
american_scientific_journal-689	177	12	from	from	ADP
american_scientific_journal-689	177	13	one	one	NUM
american_scientific_journal-689	177	14	account	account	NOUN
american_scientific_journal-689	177	15	to	to	ADP
american_scientific_journal-689	177	16	another	another	DET
american_scientific_journal-689	177	17	account	account	NOUN
american_scientific_journal-689	177	18	of	of	ADP
american_scientific_journal-689	177	19	other	other	ADJ
american_scientific_journal-689	177	20	or	or	CCONJ
american_scientific_journal-689	177	21	similar	similar	ADJ
american_scientific_journal-689	177	22	bank	bank	NOUN
american_scientific_journal-689	177	23	.	.	PUNCT
american_scientific_journal-689	178	1	in	in	ADP
american_scientific_journal-689	178	2	the	the	DET
american_scientific_journal-689	178	3	electronic	electronic	ADJ
american_scientific_journal-689	178	4	transaction	transaction	NOUN
american_scientific_journal-689	178	5	,	,	PUNCT
american_scientific_journal-689	178	6	crimes	crime	NOUN
american_scientific_journal-689	178	7	have	have	AUX
american_scientific_journal-689	178	8	been	be	AUX
american_scientific_journal-689	178	9	increased	increase	VERB
american_scientific_journal-689	178	10	day	day	NOUN
american_scientific_journal-689	178	11	by	by	ADP
american_scientific_journal-689	178	12	day	day	NOUN
american_scientific_journal-689	178	13	so	so	SCONJ
american_scientific_journal-689	178	14	electronic	electronic	ADJ
american_scientific_journal-689	178	15	bank	bank	NOUN
american_scientific_journal-689	178	16	needs	need	VERB
american_scientific_journal-689	178	17	to	to	PART
american_scientific_journal-689	178	18	maintain	maintain	VERB
american_scientific_journal-689	178	19	and	and	CCONJ
american_scientific_journal-689	178	20	retain	retain	VERB
american_scientific_journal-689	178	21	customer	customer	NOUN
american_scientific_journal-689	178	22	to	to	PART
american_scientific_journal-689	178	23	give	give	VERB
american_scientific_journal-689	178	24	protection	protection	NOUN
american_scientific_journal-689	178	25	.	.	PUNCT
american_scientific_journal-689	179	1	they	they	PRON
american_scientific_journal-689	179	2	should	should	AUX
american_scientific_journal-689	179	3	provide	provide	VERB
american_scientific_journal-689	179	4	unique	unique	ADJ
american_scientific_journal-689	179	5	passwords	password	NOUN
american_scientific_journal-689	179	6	and	and	CCONJ
american_scientific_journal-689	179	7	maintain	maintain	VERB
american_scientific_journal-689	179	8	high	high	ADJ
american_scientific_journal-689	179	9	profile	profile	NOUN
american_scientific_journal-689	179	10	security	security	NOUN
american_scientific_journal-689	179	11	.	.	PUNCT
american_scientific_journal-689	180	1	this	this	PRON
american_scientific_journal-689	180	2	will	will	AUX
american_scientific_journal-689	180	3	help	help	VERB
american_scientific_journal-689	180	4	to	to	PART
american_scientific_journal-689	180	5	maintain	maintain	VERB
american_scientific_journal-689	180	6	unauthorized	unauthorized	ADJ
american_scientific_journal-689	180	7	access	access	NOUN
american_scientific_journal-689	180	8	to	to	ADP
american_scientific_journal-689	180	9	the	the	DET
american_scientific_journal-689	180	10	user	user	NOUN
american_scientific_journal-689	180	11	’s	’s	PART
american_scientific_journal-689	180	12	account	account	NOUN
american_scientific_journal-689	180	13	and	and	CCONJ
american_scientific_journal-689	180	14	not	not	PART
american_scientific_journal-689	180	15	let	let	VERB
american_scientific_journal-689	180	16	easily	easily	ADV
american_scientific_journal-689	180	17	hack	hack	VERB
american_scientific_journal-689	180	18	.	.	PUNCT
american_scientific_journal-689	181	1	the	the	DET
american_scientific_journal-689	181	2	trust	trust	NOUN
american_scientific_journal-689	181	3	and	and	CCONJ
american_scientific_journal-689	181	4	loyalty	loyalty	NOUN
american_scientific_journal-689	181	5	of	of	ADP
american_scientific_journal-689	181	6	customer	customer	NOUN
american_scientific_journal-689	181	7	depends	depend	VERB
american_scientific_journal-689	181	8	on	on	ADP
american_scientific_journal-689	181	9	five	five	NUM
american_scientific_journal-689	181	10	factor	factor	NOUN
american_scientific_journal-689	181	11	facilities	facility	NOUN
american_scientific_journal-689	181	12	,	,	PUNCT
american_scientific_journal-689	181	13	its	its	PRON
american_scientific_journal-689	181	14	reputation	reputation	NOUN
american_scientific_journal-689	181	15	,	,	PUNCT
american_scientific_journal-689	181	16	how	how	SCONJ
american_scientific_journal-689	181	17	quickly	quickly	ADV
american_scientific_journal-689	181	18	response	response	NOUN
american_scientific_journal-689	181	19	to	to	ADP
american_scientific_journal-689	181	20	customer	customer	NOUN
american_scientific_journal-689	181	21	queries	query	NOUN
american_scientific_journal-689	181	22	,	,	PUNCT
american_scientific_journal-689	181	23	consistency	consistency	NOUN
american_scientific_journal-689	181	24	,	,	PUNCT
american_scientific_journal-689	181	25	understanding	understanding	NOUN
american_scientific_journal-689	181	26	,	,	PUNCT
american_scientific_journal-689	181	27	and	and	CCONJ
american_scientific_journal-689	181	28	guarantee	guarantee	NOUN
american_scientific_journal-689	181	29	of	of	ADP
american_scientific_journal-689	181	30	service	service	NOUN
american_scientific_journal-689	181	31	quality	quality	NOUN
american_scientific_journal-689	181	32	spoken	speak	VERB
american_scientific_journal-689	181	33	by	by	ADP
american_scientific_journal-689	181	34	quality	quality	NOUN
american_scientific_journal-689	181	35	of	of	ADP
american_scientific_journal-689	181	36	service	service	NOUN
american_scientific_journal-689	181	37	with	with	ADP
american_scientific_journal-689	181	38	process	process	NOUN
american_scientific_journal-689	181	39	of	of	ADP
american_scientific_journal-689	181	40	customer	customer	NOUN
american_scientific_journal-689	181	41	satisfaction	satisfaction	NOUN
american_scientific_journal-689	181	42	tool	tool	NOUN
american_scientific_journal-689	181	43	exercise	exercise	NOUN
american_scientific_journal-689	181	44	.	.	PUNCT
american_scientific_journal-689	182	1	4	4	X
american_scientific_journal-689	182	2	.	.	X
american_scientific_journal-689	182	3	limitations	limitation	NOUN
american_scientific_journal-689	182	4	during	during	ADP
american_scientific_journal-689	182	5	the	the	DET
american_scientific_journal-689	182	6	researched	research	VERB
american_scientific_journal-689	182	7	worked	work	VERB
american_scientific_journal-689	182	8	we	we	PRON
american_scientific_journal-689	182	9	faced	face	VERB
american_scientific_journal-689	182	10	some	some	PRON
american_scientific_journal-689	182	11	of	of	ADP
american_scientific_journal-689	182	12	problems	problem	NOUN
american_scientific_journal-689	182	13	that	that	PRON
american_scientific_journal-689	182	14	some	some	DET
american_scientific_journal-689	182	15	users	user	NOUN
american_scientific_journal-689	182	16	of	of	ADP
american_scientific_journal-689	182	17	the	the	PRON
american_scientific_journal-689	182	18	not	not	PART
american_scientific_journal-689	182	19	able	able	ADJ
american_scientific_journal-689	182	20	to	to	PART
american_scientific_journal-689	182	21	get	get	VERB
american_scientific_journal-689	182	22	what	what	PRON
american_scientific_journal-689	182	23	we	we	PRON
american_scientific_journal-689	182	24	want	want	VERB
american_scientific_journal-689	182	25	from	from	ADP
american_scientific_journal-689	182	26	them	they	PRON
american_scientific_journal-689	182	27	.	.	PUNCT
american_scientific_journal-689	183	1	even	even	ADV
american_scientific_journal-689	183	2	some	some	PRON
american_scientific_journal-689	183	3	of	of	ADP
american_scientific_journal-689	183	4	them	they	PRON
american_scientific_journal-689	183	5	considered	consider	VERB
american_scientific_journal-689	183	6	it	it	PRON
american_scientific_journal-689	183	7	as	as	ADP
american_scientific_journal-689	183	8	legal	legal	ADJ
american_scientific_journal-689	183	9	or	or	CCONJ
american_scientific_journal-689	183	10	some	some	DET
american_scientific_journal-689	183	11	notification	notification	NOUN
american_scientific_journal-689	183	12	from	from	ADP
american_scientific_journal-689	183	13	the	the	DET
american_scientific_journal-689	183	14	banks	bank	NOUN
american_scientific_journal-689	183	15	.	.	PUNCT
american_scientific_journal-689	184	1	they	they	PRON
american_scientific_journal-689	184	2	felt	feel	VERB
american_scientific_journal-689	184	3	reluctant	reluctant	ADJ
american_scientific_journal-689	184	4	to	to	PART
american_scientific_journal-689	184	5	fill	fill	VERB
american_scientific_journal-689	184	6	it	it	PRON
american_scientific_journal-689	184	7	.	.	PUNCT
american_scientific_journal-689	185	1	but	but	CCONJ
american_scientific_journal-689	185	2	we	we	PRON
american_scientific_journal-689	185	3	convinced	convince	VERB
american_scientific_journal-689	185	4	them	they	PRON
american_scientific_journal-689	185	5	to	to	PART
american_scientific_journal-689	185	6	do	do	VERB
american_scientific_journal-689	185	7	this	this	PRON
american_scientific_journal-689	185	8	and	and	CCONJ
american_scientific_journal-689	185	9	gave	give	VERB
american_scientific_journal-689	185	10	some	some	DET
american_scientific_journal-689	185	11	briefing	briefing	NOUN
american_scientific_journal-689	185	12	about	about	ADP
american_scientific_journal-689	185	13	the	the	DET
american_scientific_journal-689	185	14	questionnaire	questionnaire	NOUN
american_scientific_journal-689	185	15	.	.	PUNCT
american_scientific_journal-689	186	1	after	after	ADP
american_scientific_journal-689	186	2	this	this	PRON
american_scientific_journal-689	186	3	we	we	PRON
american_scientific_journal-689	186	4	got	get	VERB
american_scientific_journal-689	186	5	the	the	DET
american_scientific_journal-689	186	6	good	good	ADJ
american_scientific_journal-689	186	7	results	result	NOUN
american_scientific_journal-689	186	8	from	from	ADP
american_scientific_journal-689	186	9	the	the	DET
american_scientific_journal-689	186	10	clients	client	NOUN
american_scientific_journal-689	186	11	of	of	ADP
american_scientific_journal-689	186	12	the	the	DET
american_scientific_journal-689	186	13	bank	bank	NOUN
american_scientific_journal-689	186	14	.	.	PUNCT
american_scientific_journal-689	187	1	it	it	PRON
american_scientific_journal-689	187	2	is	be	AUX
american_scientific_journal-689	187	3	filled	fill	VERB
american_scientific_journal-689	187	4	by	by	ADP
american_scientific_journal-689	187	5	the	the	DET
american_scientific_journal-689	187	6	male	male	NOUN
american_scientific_journal-689	187	7	and	and	CCONJ
american_scientific_journal-689	187	8	some	some	PRON
american_scientific_journal-689	187	9	of	of	ADP
american_scientific_journal-689	187	10	female	female	ADJ
american_scientific_journal-689	187	11	as	as	ADV
american_scientific_journal-689	187	12	well	well	ADV
american_scientific_journal-689	187	13	.	.	PUNCT
american_scientific_journal-689	188	1	we	we	PRON
american_scientific_journal-689	188	2	rated	rate	VERB
american_scientific_journal-689	188	3	the	the	DET
american_scientific_journal-689	188	4	answer	answer	NOUN
american_scientific_journal-689	188	5	replying	replying	NOUN
american_scientific_journal-689	188	6	by	by	ADP
american_scientific_journal-689	188	7	1=100	1=100	NUM
american_scientific_journal-689	188	8	,	,	PUNCT
american_scientific_journal-689	188	9	2=80	2=80	NUM
american_scientific_journal-689	188	10	,	,	PUNCT
american_scientific_journal-689	188	11	3=60	3=60	NUM
american_scientific_journal-689	188	12	,	,	PUNCT
american_scientific_journal-689	188	13	4=40	4=40	NUM
american_scientific_journal-689	188	14	and	and	CCONJ
american_scientific_journal-689	188	15	5=20	5=20	NUM
american_scientific_journal-689	188	16	.	.	PUNCT
american_scientific_journal-689	189	1	we	we	PRON
american_scientific_journal-689	189	2	present	present	VERB
american_scientific_journal-689	189	3	this	this	DET
american_scientific_journal-689	189	4	rating	rating	NOUN
american_scientific_journal-689	189	5	in	in	ADP
american_scientific_journal-689	189	6	the	the	DET
american_scientific_journal-689	189	7	diagram	diagram	NOUN
american_scientific_journal-689	189	8	which	which	PRON
american_scientific_journal-689	189	9	is	be	AUX
american_scientific_journal-689	189	10	as	as	ADV
american_scientific_journal-689	189	11	below	below	ADV
american_scientific_journal-689	189	12	.	.	PUNCT
american_scientific_journal-689	190	1	we	we	PRON
american_scientific_journal-689	190	2	found	find	VERB
american_scientific_journal-689	190	3	the	the	DET
american_scientific_journal-689	190	4	different	different	ADJ
american_scientific_journal-689	190	5	results	result	NOUN
american_scientific_journal-689	190	6	from	from	ADP
american_scientific_journal-689	190	7	the	the	DET
american_scientific_journal-689	190	8	200	200	NUM
american_scientific_journal-689	190	9	customers	customer	NOUN
american_scientific_journal-689	190	10	.	.	PUNCT
american_scientific_journal-689	191	1	majority	majority	NOUN
american_scientific_journal-689	191	2	concern	concern	NOUN
american_scientific_journal-689	191	3	of	of	ADP
american_scientific_journal-689	191	4	the	the	DET
american_scientific_journal-689	191	5	customer	customer	NOUN
american_scientific_journal-689	191	6	were	be	AUX
american_scientific_journal-689	191	7	the	the	DET
american_scientific_journal-689	191	8	question	question	NOUN
american_scientific_journal-689	191	9	no	no	DET
american_scientific_journal-689	191	10	1	1	X
american_scientific_journal-689	191	11	.	.	PUNCT
american_scientific_journal-689	192	1	we	we	PRON
american_scientific_journal-689	192	2	will	will	AUX
american_scientific_journal-689	192	3	hope	hope	VERB
american_scientific_journal-689	192	4	so	so	SCONJ
american_scientific_journal-689	192	5	banking	banking	NOUN
american_scientific_journal-689	192	6	sectors	sector	NOUN
american_scientific_journal-689	192	7	will	will	AUX
american_scientific_journal-689	192	8	consider	consider	VERB
american_scientific_journal-689	192	9	our	our	PRON
american_scientific_journal-689	192	10	work	work	NOUN
american_scientific_journal-689	192	11	and	and	CCONJ
american_scientific_journal-689	192	12	our	our	PRON
american_scientific_journal-689	192	13	recommendation	recommendation	NOUN
american_scientific_journal-689	192	14	.	.	PUNCT
american_scientific_journal-689	193	1	80	80	NUM
american_scientific_journal-689	193	2	american	american	ADJ
american_scientific_journal-689	193	3	scientific	scientific	ADJ
american_scientific_journal-689	193	4	research	research	NOUN
american_scientific_journal-689	193	5	journal	journal	NOUN
american_scientific_journal-689	193	6	for	for	ADP
american_scientific_journal-689	193	7	engineering	engineering	NOUN
american_scientific_journal-689	193	8	,	,	PUNCT
american_scientific_journal-689	193	9	technology	technology	NOUN
american_scientific_journal-689	193	10	,	,	PUNCT
american_scientific_journal-689	193	11	and	and	CCONJ
american_scientific_journal-689	193	12	sciences	science	NOUN
american_scientific_journal-689	193	13	(	(	PUNCT
american_scientific_journal-689	193	14	asrjets	asrjet	NOUN
american_scientific_journal-689	193	15	)	)	PUNCT
american_scientific_journal-689	193	16	(	(	PUNCT
american_scientific_journal-689	193	17	2014	2014	NUM
american_scientific_journal-689	193	18	)	)	PUNCT
american_scientific_journal-689	193	19	volume	volume	NOUN
american_scientific_journal-689	193	20	10	10	NUM
american_scientific_journal-689	193	21	,	,	PUNCT
american_scientific_journal-689	193	22	no	no	DET
american_scientific_journal-689	193	23	1	1	NUM
american_scientific_journal-689	193	24	,	,	PUNCT
american_scientific_journal-689	193	25	pp	pp	ADV
american_scientific_journal-689	193	26	74	74	NUM
american_scientific_journal-689	193	27	-	-	SYM
american_scientific_journal-689	193	28	84	84	NUM
american_scientific_journal-689	193	29	figure	figure	NOUN
american_scientific_journal-689	193	30	2	2	NUM
american_scientific_journal-689	193	31	:	:	PUNCT
american_scientific_journal-689	193	32	problems	problem	NOUN
american_scientific_journal-689	193	33	5	5	NUM
american_scientific_journal-689	193	34	.	.	PUNCT
american_scientific_journal-689	193	35	conclusion	conclusion	NOUN
american_scientific_journal-689	193	36	electronic	electronic	ADJ
american_scientific_journal-689	193	37	banking	banking	NOUN
american_scientific_journal-689	193	38	is	be	AUX
american_scientific_journal-689	193	39	the	the	DET
american_scientific_journal-689	193	40	most	most	ADV
american_scientific_journal-689	193	41	normally	normally	ADV
american_scientific_journal-689	193	42	utilize	utilize	VERB
american_scientific_journal-689	193	43	every	every	DET
american_scientific_journal-689	193	44	day	day	NOUN
american_scientific_journal-689	193	45	because	because	SCONJ
american_scientific_journal-689	193	46	everyone	everyone	PRON
american_scientific_journal-689	193	47	have	have	VERB
american_scientific_journal-689	193	48	busy	busy	ADJ
american_scientific_journal-689	193	49	life	life	NOUN
american_scientific_journal-689	193	50	style	style	NOUN
american_scientific_journal-689	193	51	and	and	CCONJ
american_scientific_journal-689	193	52	needs	need	VERB
american_scientific_journal-689	193	53	to	to	PART
american_scientific_journal-689	193	54	be	be	AUX
american_scientific_journal-689	193	55	prompt	prompt	ADJ
american_scientific_journal-689	193	56	and	and	CCONJ
american_scientific_journal-689	193	57	well	well	ADV
american_scientific_journal-689	193	58	-	-	PUNCT
american_scientific_journal-689	193	59	organized	organize	VERB
american_scientific_journal-689	193	60	work	work	NOUN
american_scientific_journal-689	193	61	.	.	PUNCT
american_scientific_journal-689	194	1	in	in	ADP
american_scientific_journal-689	194	2	the	the	DET
american_scientific_journal-689	194	3	electronic	electronic	ADJ
american_scientific_journal-689	194	4	banking	banking	NOUN
american_scientific_journal-689	194	5	is	be	AUX
american_scientific_journal-689	194	6	best	good	ADJ
american_scientific_journal-689	194	7	way	way	NOUN
american_scientific_journal-689	194	8	of	of	ADP
american_scientific_journal-689	194	9	transaction	transaction	NOUN
american_scientific_journal-689	194	10	of	of	ADP
american_scientific_journal-689	194	11	money	money	NOUN
american_scientific_journal-689	194	12	from	from	ADP
american_scientific_journal-689	194	13	one	one	NUM
american_scientific_journal-689	194	14	account	account	NOUN
american_scientific_journal-689	194	15	to	to	ADP
american_scientific_journal-689	194	16	another	another	DET
american_scientific_journal-689	194	17	account	account	NOUN
american_scientific_journal-689	194	18	of	of	ADP
american_scientific_journal-689	194	19	other	other	ADJ
american_scientific_journal-689	194	20	or	or	CCONJ
american_scientific_journal-689	194	21	similar	similar	ADJ
american_scientific_journal-689	194	22	bank	bank	NOUN
american_scientific_journal-689	194	23	.	.	PUNCT
american_scientific_journal-689	195	1	in	in	ADP
american_scientific_journal-689	195	2	the	the	DET
american_scientific_journal-689	195	3	electronic	electronic	ADJ
american_scientific_journal-689	195	4	transaction	transaction	NOUN
american_scientific_journal-689	195	5	,	,	PUNCT
american_scientific_journal-689	195	6	crimes	crime	NOUN
american_scientific_journal-689	195	7	have	have	AUX
american_scientific_journal-689	195	8	been	be	AUX
american_scientific_journal-689	195	9	increased	increase	VERB
american_scientific_journal-689	195	10	day	day	NOUN
american_scientific_journal-689	195	11	by	by	ADP
american_scientific_journal-689	195	12	day	day	NOUN
american_scientific_journal-689	195	13	so	so	SCONJ
american_scientific_journal-689	195	14	electronic	electronic	ADJ
american_scientific_journal-689	195	15	bank	bank	NOUN
american_scientific_journal-689	195	16	needs	need	VERB
american_scientific_journal-689	195	17	to	to	PART
american_scientific_journal-689	195	18	maintain	maintain	VERB
american_scientific_journal-689	195	19	and	and	CCONJ
american_scientific_journal-689	195	20	retain	retain	VERB
american_scientific_journal-689	195	21	customer	customer	NOUN
american_scientific_journal-689	195	22	to	to	PART
american_scientific_journal-689	195	23	give	give	VERB
american_scientific_journal-689	195	24	protection	protection	NOUN
american_scientific_journal-689	195	25	.	.	PUNCT
american_scientific_journal-689	196	1	they	they	PRON
american_scientific_journal-689	196	2	should	should	AUX
american_scientific_journal-689	196	3	provide	provide	VERB
american_scientific_journal-689	196	4	unique	unique	ADJ
american_scientific_journal-689	196	5	passwords	password	NOUN
american_scientific_journal-689	196	6	and	and	CCONJ
american_scientific_journal-689	196	7	maintain	maintain	VERB
american_scientific_journal-689	196	8	high	high	ADJ
american_scientific_journal-689	196	9	profile	profile	NOUN
american_scientific_journal-689	196	10	security	security	NOUN
american_scientific_journal-689	196	11	.	.	PUNCT
american_scientific_journal-689	197	1	this	this	PRON
american_scientific_journal-689	197	2	will	will	AUX
american_scientific_journal-689	197	3	help	help	VERB
american_scientific_journal-689	197	4	to	to	PART
american_scientific_journal-689	197	5	maintain	maintain	VERB
american_scientific_journal-689	197	6	unauthorized	unauthorized	ADJ
american_scientific_journal-689	197	7	access	access	NOUN
american_scientific_journal-689	197	8	to	to	ADP
american_scientific_journal-689	197	9	the	the	DET
american_scientific_journal-689	197	10	user	user	NOUN
american_scientific_journal-689	197	11	’s	’s	PART
american_scientific_journal-689	197	12	account	account	NOUN
american_scientific_journal-689	197	13	and	and	CCONJ
american_scientific_journal-689	197	14	not	not	PART
american_scientific_journal-689	197	15	let	let	VERB
american_scientific_journal-689	197	16	easily	easily	ADV
american_scientific_journal-689	197	17	hack	hack	VERB
american_scientific_journal-689	197	18	.	.	PUNCT
american_scientific_journal-689	198	1	the	the	DET
american_scientific_journal-689	198	2	trust	trust	NOUN
american_scientific_journal-689	198	3	and	and	CCONJ
american_scientific_journal-689	198	4	loyalty	loyalty	NOUN
american_scientific_journal-689	198	5	of	of	ADP
american_scientific_journal-689	198	6	customer	customer	NOUN
american_scientific_journal-689	198	7	depends	depend	VERB
american_scientific_journal-689	198	8	on	on	ADP
american_scientific_journal-689	198	9	five	five	NUM
american_scientific_journal-689	198	10	factor	factor	NOUN
american_scientific_journal-689	198	11	facilities	facility	NOUN
american_scientific_journal-689	198	12	,	,	PUNCT
american_scientific_journal-689	198	13	its	its	PRON
american_scientific_journal-689	198	14	reputation	reputation	NOUN
american_scientific_journal-689	198	15	,	,	PUNCT
american_scientific_journal-689	198	16	how	how	SCONJ
american_scientific_journal-689	198	17	quickly	quickly	ADV
american_scientific_journal-689	198	18	response	response	NOUN
american_scientific_journal-689	198	19	to	to	ADP
american_scientific_journal-689	198	20	customer	customer	NOUN
american_scientific_journal-689	198	21	queries	query	NOUN
american_scientific_journal-689	198	22	,	,	PUNCT
american_scientific_journal-689	198	23	consistency	consistency	NOUN
american_scientific_journal-689	198	24	,	,	PUNCT
american_scientific_journal-689	198	25	understanding	understanding	NOUN
american_scientific_journal-689	198	26	,	,	PUNCT
american_scientific_journal-689	198	27	and	and	CCONJ
american_scientific_journal-689	198	28	guarantee	guarantee	NOUN
american_scientific_journal-689	198	29	of	of	ADP
american_scientific_journal-689	198	30	service	service	NOUN
american_scientific_journal-689	198	31	quality	quality	NOUN
american_scientific_journal-689	198	32	spoken	speak	VERB
american_scientific_journal-689	198	33	by	by	ADP
american_scientific_journal-689	198	34	quality	quality	NOUN
american_scientific_journal-689	198	35	of	of	ADP
american_scientific_journal-689	198	36	service	service	NOUN
american_scientific_journal-689	198	37	with	with	ADP
american_scientific_journal-689	198	38	process	process	NOUN
american_scientific_journal-689	198	39	of	of	ADP
american_scientific_journal-689	198	40	customer	customer	NOUN
american_scientific_journal-689	198	41	satisfaction	satisfaction	NOUN
american_scientific_journal-689	198	42	tool	tool	NOUN
american_scientific_journal-689	198	43	exercise	exercise	NOUN
american_scientific_journal-689	198	44	.	.	PUNCT
american_scientific_journal-689	199	1	6	6	X
american_scientific_journal-689	199	2	.	.	PUNCT
american_scientific_journal-689	199	3	recommendations	recommendation	NOUN
american_scientific_journal-689	199	4	banks	bank	NOUN
american_scientific_journal-689	199	5	are	be	AUX
american_scientific_journal-689	199	6	more	more	ADV
american_scientific_journal-689	199	7	comfortable	comfortable	ADJ
american_scientific_journal-689	199	8	and	and	CCONJ
american_scientific_journal-689	199	9	secure	secure	VERB
american_scientific_journal-689	199	10	transaction	transaction	NOUN
american_scientific_journal-689	199	11	through	through	ADP
american_scientific_journal-689	199	12	internet	internet	NOUN
american_scientific_journal-689	199	13	in	in	ADP
american_scientific_journal-689	199	14	it	it	PRON
american_scientific_journal-689	199	15	system	system	NOUN
american_scientific_journal-689	199	16	.	.	PUNCT
american_scientific_journal-689	200	1	develop	develop	VERB
american_scientific_journal-689	200	2	some	some	DET
american_scientific_journal-689	200	3	new	new	ADJ
american_scientific_journal-689	200	4	different	different	ADJ
american_scientific_journal-689	200	5	things	thing	NOUN
american_scientific_journal-689	200	6	which	which	PRON
american_scientific_journal-689	200	7	will	will	AUX
american_scientific_journal-689	200	8	not	not	PART
american_scientific_journal-689	200	9	face	face	VERB
american_scientific_journal-689	200	10	any	any	DET
american_scientific_journal-689	200	11	problem	problem	NOUN
american_scientific_journal-689	200	12	regarding	regard	VERB
american_scientific_journal-689	200	13	it	it	PRON
american_scientific_journal-689	200	14	because	because	SCONJ
american_scientific_journal-689	200	15	some	some	DET
american_scientific_journal-689	200	16	time	time	NOUN
american_scientific_journal-689	200	17	atm	atm	NOUN
american_scientific_journal-689	200	18	’s	’s	PART
american_scientific_journal-689	200	19	have	have	VERB
american_scientific_journal-689	200	20	some	some	DET
american_scientific_journal-689	200	21	problems	problem	NOUN
american_scientific_journal-689	200	22	like	like	ADP
american_scientific_journal-689	200	23	hacking	hack	VERB
american_scientific_journal-689	200	24	of	of	ADP
american_scientific_journal-689	200	25	passwords	password	NOUN
american_scientific_journal-689	200	26	and	and	CCONJ
american_scientific_journal-689	200	27	unauthorized	unauthorized	ADJ
american_scientific_journal-689	200	28	access	access	NOUN
american_scientific_journal-689	200	29	to	to	ADP
american_scientific_journal-689	200	30	the	the	DET
american_scientific_journal-689	200	31	user	user	NOUN
american_scientific_journal-689	200	32	’s	’s	PART
american_scientific_journal-689	200	33	accounts	account	NOUN
american_scientific_journal-689	200	34	.	.	PUNCT
american_scientific_journal-689	201	1	introduction	introduction	NOUN
american_scientific_journal-689	201	2	of	of	ADP
american_scientific_journal-689	201	3	new	new	ADJ
american_scientific_journal-689	201	4	techniques	technique	NOUN
american_scientific_journal-689	201	5	which	which	PRON
american_scientific_journal-689	201	6	eliminate	eliminate	VERB
american_scientific_journal-689	201	7	the	the	DET
american_scientific_journal-689	201	8	chance	chance	NOUN
american_scientific_journal-689	201	9	of	of	ADP
american_scientific_journal-689	201	10	hack	hack	NOUN
american_scientific_journal-689	201	11	any	any	DET
american_scientific_journal-689	201	12	transaction	transaction	NOUN
american_scientific_journal-689	201	13	make	make	VERB
american_scientific_journal-689	201	14	sure	sure	ADJ
american_scientific_journal-689	201	15	that	that	SCONJ
american_scientific_journal-689	201	16	the	the	DET
american_scientific_journal-689	201	17	computer	computer	NOUN
american_scientific_journal-689	201	18	system	system	NOUN
american_scientific_journal-689	201	19	of	of	ADP
american_scientific_journal-689	201	20	the	the	DET
american_scientific_journal-689	201	21	bank	bank	NOUN
american_scientific_journal-689	201	22	is	be	AUX
american_scientific_journal-689	201	23	used	use	VERB
american_scientific_journal-689	201	24	or	or	CCONJ
american_scientific_journal-689	201	25	administered	administer	VERB
american_scientific_journal-689	201	26	only	only	ADV
american_scientific_journal-689	201	27	by	by	ADP
american_scientific_journal-689	201	28	bank	bank	NOUN
american_scientific_journal-689	201	29	employees	employee	NOUN
american_scientific_journal-689	201	30	.	.	PUNCT
american_scientific_journal-689	202	1	never	never	ADV
american_scientific_journal-689	202	2	provide	provide	VERB
american_scientific_journal-689	202	3	the	the	DET
american_scientific_journal-689	202	4	unauthorized	unauthorized	ADJ
american_scientific_journal-689	202	5	access	access	NOUN
american_scientific_journal-689	202	6	to	to	ADP
american_scientific_journal-689	202	7	bank	bank	NOUN
american_scientific_journal-689	202	8	systems	system	NOUN
american_scientific_journal-689	202	9	.	.	PUNCT
american_scientific_journal-689	203	1	always	always	ADV
american_scientific_journal-689	203	2	use	use	VERB
american_scientific_journal-689	203	3	properly	properly	ADV
american_scientific_journal-689	203	4	maintained	maintain	VERB
american_scientific_journal-689	203	5	and	and	CCONJ
american_scientific_journal-689	203	6	serviced	service	VERB
american_scientific_journal-689	203	7	computer	computer	NOUN
american_scientific_journal-689	203	8	systems	system	NOUN
american_scientific_journal-689	203	9	.	.	PUNCT
american_scientific_journal-689	204	1	the	the	DET
american_scientific_journal-689	204	2	operating	operate	VERB
american_scientific_journal-689	204	3	system	system	NOUN
american_scientific_journal-689	204	4	should	should	AUX
american_scientific_journal-689	204	5	be	be	AUX
american_scientific_journal-689	204	6	complete	complete	ADJ
american_scientific_journal-689	204	7	with	with	ADP
american_scientific_journal-689	204	8	the	the	DET
american_scientific_journal-689	204	9	latest	late	ADJ
american_scientific_journal-689	204	10	update	update	NOUN
american_scientific_journal-689	204	11	of	of	ADP
american_scientific_journal-689	204	12	security	security	NOUN
american_scientific_journal-689	204	13	software	software	NOUN
american_scientific_journal-689	204	14	at	at	ADP
american_scientific_journal-689	204	15	normal	normal	ADJ
american_scientific_journal-689	204	16	interval	interval	NOUN
american_scientific_journal-689	204	17	.	.	PUNCT
american_scientific_journal-689	205	1	activate	activate	VERB
american_scientific_journal-689	205	2	the	the	DET
american_scientific_journal-689	205	3	automatic	automatic	ADJ
american_scientific_journal-689	205	4	updates	update	NOUN
american_scientific_journal-689	205	5	and	and	CCONJ
american_scientific_journal-689	205	6	remain	remain	VERB
american_scientific_journal-689	205	7	in	in	ADP
american_scientific_journal-689	205	8	touch	touch	NOUN
american_scientific_journal-689	205	9	with	with	ADP
american_scientific_journal-689	205	10	your	your	PRON
american_scientific_journal-689	205	11	software	software	NOUN
american_scientific_journal-689	205	12	service	service	NOUN
american_scientific_journal-689	205	13	representative	representative	NOUN
american_scientific_journal-689	205	14	or	or	CCONJ
american_scientific_journal-689	205	15	supplier	supplier	NOUN
american_scientific_journal-689	205	16	regarding	regard	VERB
american_scientific_journal-689	205	17	the	the	DET
american_scientific_journal-689	205	18	security	security	NOUN
american_scientific_journal-689	205	19	issues	issue	NOUN
american_scientific_journal-689	205	20	.	.	PUNCT
american_scientific_journal-689	206	1	use	use	VERB
american_scientific_journal-689	206	2	the	the	DET
american_scientific_journal-689	206	3	latest	late	ADJ
american_scientific_journal-689	206	4	virus	virus	NOUN
american_scientific_journal-689	206	5	protection	protection	NOUN
american_scientific_journal-689	206	6	programmed	program	VERB
american_scientific_journal-689	206	7	with	with	ADP
american_scientific_journal-689	206	8	regular	regular	ADJ
american_scientific_journal-689	206	9	automatic	automatic	ADJ
american_scientific_journal-689	206	10	updates	update	NOUN
american_scientific_journal-689	206	11	against	against	ADP
american_scientific_journal-689	206	12	spyware	spyware	NOUN
american_scientific_journal-689	206	13	,	,	PUNCT
american_scientific_journal-689	206	14	viruses	virus	NOUN
american_scientific_journal-689	206	15	,	,	PUNCT
american_scientific_journal-689	206	16	trojans	trojan	NOUN
american_scientific_journal-689	206	17	or	or	CCONJ
american_scientific_journal-689	206	18	activates	activate	VERB
american_scientific_journal-689	206	19	a	a	DET
american_scientific_journal-689	206	20	personal	personal	ADJ
american_scientific_journal-689	206	21	firewall	firewall	NOUN
american_scientific_journal-689	206	22	for	for	ADP
american_scientific_journal-689	206	23	protection	protection	NOUN
american_scientific_journal-689	206	24	of	of	ADP
american_scientific_journal-689	206	25	your	your	PRON
american_scientific_journal-689	206	26	computer	computer	NOUN
american_scientific_journal-689	206	27	system	system	NOUN
american_scientific_journal-689	206	28	.	.	PUNCT
american_scientific_journal-689	207	1	maintain	maintain	VERB
american_scientific_journal-689	207	2	your	your	PRON
american_scientific_journal-689	207	3	confidential	confidential	ADJ
american_scientific_journal-689	207	4	information	information	NOUN
american_scientific_journal-689	207	5	in	in	ADP
american_scientific_journal-689	207	6	a	a	DET
american_scientific_journal-689	207	7	safe	safe	ADJ
american_scientific_journal-689	207	8	place	place	NOUN
american_scientific_journal-689	207	9	.	.	PUNCT
american_scientific_journal-689	208	1	the	the	DET
american_scientific_journal-689	208	2	data	datum	NOUN
american_scientific_journal-689	208	3	on	on	ADP
american_scientific_journal-689	208	4	a	a	DET
american_scientific_journal-689	208	5	pc	pc	NOUN
american_scientific_journal-689	208	6	can	can	AUX
american_scientific_journal-689	208	7	be	be	AUX
american_scientific_journal-689	208	8	leaked	leak	VERB
american_scientific_journal-689	208	9	out	out	ADP
american_scientific_journal-689	208	10	we	we	PRON
american_scientific_journal-689	208	11	recommended	recommend	VERB
american_scientific_journal-689	208	12	that	that	SCONJ
american_scientific_journal-689	208	13	you	you	PRON
american_scientific_journal-689	208	14	should	should	AUX
american_scientific_journal-689	208	15	not	not	PART
american_scientific_journal-689	208	16	to	to	PART
american_scientific_journal-689	208	17	store	store	VERB
american_scientific_journal-689	208	18	them	they	PRON
american_scientific_journal-689	208	19	on	on	ADP
american_scientific_journal-689	208	20	your	your	PRON
american_scientific_journal-689	208	21	pc	pc	NOUN
american_scientific_journal-689	208	22	.	.	PUNCT
american_scientific_journal-689	208	23	0	0	NUM
american_scientific_journal-689	209	1	20	20	NUM
american_scientific_journal-689	209	2	40	40	NUM
american_scientific_journal-689	209	3	60	60	NUM
american_scientific_journal-689	209	4	80	80	NUM
american_scientific_journal-689	209	5	100	100	NUM
american_scientific_journal-689	209	6	120	120	NUM
american_scientific_journal-689	209	7	1	1	NUM
american_scientific_journal-689	209	8	2	2	NUM
american_scientific_journal-689	209	9	3	3	NUM
american_scientific_journal-689	209	10	4	4	NUM
american_scientific_journal-689	209	11	5	5	NUM
american_scientific_journal-689	209	12	6	6	NUM
american_scientific_journal-689	209	13	7	7	NUM
american_scientific_journal-689	209	14	8	8	NUM
american_scientific_journal-689	209	15	9	9	NUM
american_scientific_journal-689	209	16	10	10	NUM
american_scientific_journal-689	209	17	11	11	NUM
american_scientific_journal-689	209	18	12	12	NUM
american_scientific_journal-689	209	19	13	13	NUM
american_scientific_journal-689	209	20	14	14	NUM
american_scientific_journal-689	209	21	15	15	NUM
american_scientific_journal-689	209	22	1	1	NUM
american_scientific_journal-689	209	23	2	2	NUM
american_scientific_journal-689	209	24	3	3	NUM
american_scientific_journal-689	209	25	4	4	NUM
american_scientific_journal-689	209	26	5	5	NUM
american_scientific_journal-689	209	27	81	81	NUM
american_scientific_journal-689	209	28	american	american	ADJ
american_scientific_journal-689	209	29	scientific	scientific	ADJ
american_scientific_journal-689	209	30	research	research	NOUN
american_scientific_journal-689	209	31	journal	journal	NOUN
american_scientific_journal-689	209	32	for	for	ADP
american_scientific_journal-689	209	33	engineering	engineering	NOUN
american_scientific_journal-689	209	34	,	,	PUNCT
american_scientific_journal-689	209	35	technology	technology	NOUN
american_scientific_journal-689	209	36	,	,	PUNCT
american_scientific_journal-689	209	37	and	and	CCONJ
american_scientific_journal-689	209	38	sciences	science	NOUN
american_scientific_journal-689	209	39	(	(	PUNCT
american_scientific_journal-689	209	40	asrjets	asrjet	NOUN
american_scientific_journal-689	209	41	)	)	PUNCT
american_scientific_journal-689	209	42	(	(	PUNCT
american_scientific_journal-689	209	43	2014	2014	NUM
american_scientific_journal-689	209	44	)	)	PUNCT
american_scientific_journal-689	209	45	volume	volume	NOUN
american_scientific_journal-689	209	46	10	10	NUM
american_scientific_journal-689	209	47	,	,	PUNCT
american_scientific_journal-689	209	48	no	no	DET
american_scientific_journal-689	209	49	1	1	NUM
american_scientific_journal-689	209	50	,	,	PUNCT
american_scientific_journal-689	209	51	pp	pp	ADV
american_scientific_journal-689	209	52	74	74	NUM
american_scientific_journal-689	209	53	-	-	SYM
american_scientific_journal-689	209	54	84	84	NUM
american_scientific_journal-689	209	55	reference	reference	NOUN
american_scientific_journal-689	209	56	[	[	X
american_scientific_journal-689	209	57	1	1	NUM
american_scientific_journal-689	209	58	]	]	X
american_scientific_journal-689	209	59	d.e.bowen	d.e.bowen	NOUN
american_scientific_journal-689	209	60	.	.	PUNCT
american_scientific_journal-689	210	1	"	"	PUNCT
american_scientific_journal-689	210	2	hrm	hrm	PROPN
american_scientific_journal-689	210	3	and	and	CCONJ
american_scientific_journal-689	210	4	service	service	NOUN
american_scientific_journal-689	210	5	fairness	fairness	NOUN
american_scientific_journal-689	210	6	:	:	PUNCT
american_scientific_journal-689	210	7	how	how	SCONJ
american_scientific_journal-689	210	8	being	be	AUX
american_scientific_journal-689	210	9	fair	fair	ADJ
american_scientific_journal-689	210	10	with	with	SCONJ
american_scientific_journal-689	210	11	employees	employee	NOUN
american_scientific_journal-689	210	12	spill	spill	VERB
american_scientific_journal-689	210	13	over	over	ADP
american_scientific_journal-689	210	14	to	to	ADP
american_scientific_journal-689	210	15	customers	customer	NOUN
american_scientific_journal-689	210	16	"	"	PUNCT
american_scientific_journal-689	210	17	,	,	PUNCT
american_scientific_journal-689	210	18	organizational	organizational	ADJ
american_scientific_journal-689	210	19	dynamics	dynamic	NOUN
american_scientific_journal-689	210	20	,	,	PUNCT
american_scientific_journal-689	210	21	vol	vol	NOUN
american_scientific_journal-689	210	22	.	.	PROPN
american_scientific_journal-689	210	23	27	27	NUM
american_scientific_journal-689	210	24	pp.7	pp.7	PROPN
american_scientific_journal-689	210	25	-	-	PUNCT
american_scientific_journal-689	210	26	23	23	NUM
american_scientific_journal-689	210	27	,	,	PUNCT
american_scientific_journal-689	210	28	march	march	PROPN
american_scientific_journal-689	210	29	1999	1999	NUM
american_scientific_journal-689	210	30	.	.	PUNCT
american_scientific_journal-689	211	1	[	[	X
american_scientific_journal-689	211	2	2	2	NUM
american_scientific_journal-689	211	3	]	]	PUNCT
american_scientific_journal-689	211	4	c.lymperopoulos	c.lymperopoulo	NOUN
american_scientific_journal-689	211	5	and	and	CCONJ
american_scientific_journal-689	211	6	e.	e.	PROPN
american_scientific_journal-689	211	7	chaniotakis	chaniotakis	PROPN
american_scientific_journal-689	211	8	,	,	PUNCT
american_scientific_journal-689	211	9	“	"	PUNCT
american_scientific_journal-689	211	10	branch	branch	NOUN
american_scientific_journal-689	211	11	employees	employee	NOUN
american_scientific_journal-689	211	12	’	’	PART
american_scientific_journal-689	211	13	perceptions	perception	NOUN
american_scientific_journal-689	211	14	towards	towards	ADP
american_scientific_journal-689	211	15	implications	implication	NOUN
american_scientific_journal-689	211	16	of	of	ADP
american_scientific_journal-689	211	17	e	e	NOUN
american_scientific_journal-689	211	18	-	-	NOUN
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american_scientific_journal-689	211	20	in	in	ADP
american_scientific_journal-689	211	21	greece	greece	PROPN
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american_scientific_journal-689	211	23	,	,	PUNCT
american_scientific_journal-689	211	24	international	international	ADJ
american_scientific_journal-689	211	25	journal	journal	NOUN
american_scientific_journal-689	211	26	of	of	ADP
american_scientific_journal-689	211	27	retail	retail	PROPN
american_scientific_journal-689	211	28	&	&	CCONJ
american_scientific_journal-689	211	29	distribution	distribution	NOUN
american_scientific_journal-689	211	30	management	management	NOUN
american_scientific_journal-689	211	31	,	,	PUNCT
american_scientific_journal-689	211	32	vol	vol	NOUN
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american_scientific_journal-689	211	35	,	,	PUNCT
american_scientific_journal-689	211	36	no	no	INTJ
american_scientific_journal-689	211	37	.	.	NOUN
american_scientific_journal-689	211	38	6	6	NUM
american_scientific_journal-689	211	39	,	,	PUNCT
american_scientific_journal-689	211	40	pp	pp	ADJ
american_scientific_journal-689	211	41	.	.	PUNCT
american_scientific_journal-689	212	1	302	302	NUM
american_scientific_journal-689	212	2	-	-	SYM
american_scientific_journal-689	212	3	311	311	NUM
american_scientific_journal-689	212	4	.	.	PUNCT
american_scientific_journal-689	213	1	2004	2004	NUM
american_scientific_journal-689	213	2	.	.	PUNCT
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american_scientific_journal-689	214	2	3	3	X
american_scientific_journal-689	214	3	]	]	SYM
american_scientific_journal-689	214	4	l.moutinho	l.moutinho	NOUN
american_scientific_journal-689	214	5	,	,	PUNCT
american_scientific_journal-689	214	6	f.davies	f.davie	NOUN
american_scientific_journal-689	214	7	,	,	PUNCT
american_scientific_journal-689	214	8	s.deng	s.deng	X
american_scientific_journal-689	214	9	,	,	PUNCT
american_scientific_journal-689	214	10	migueland	migueland	PROPN
american_scientific_journal-689	214	11	alcaniz	alcaniz	PROPN
american_scientific_journal-689	214	12	j.	j.	PROPN
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american_scientific_journal-689	214	14	,	,	PUNCT
american_scientific_journal-689	214	15	“	"	PUNCT
american_scientific_journal-689	214	16	the	the	DET
american_scientific_journal-689	214	17	future	future	ADJ
american_scientific_journal-689	214	18	role	role	NOUN
american_scientific_journal-689	214	19	of	of	ADP
american_scientific_journal-689	214	20	bank	bank	NOUN
american_scientific_journal-689	214	21	branches	branch	NOUN
american_scientific_journal-689	214	22	and	and	CCONJ
american_scientific_journal-689	214	23	their	their	PRON
american_scientific_journal-689	214	24	managers	manager	NOUN
american_scientific_journal-689	214	25	:	:	PUNCT
american_scientific_journal-689	214	26	comparing	compare	VERB
american_scientific_journal-689	214	27	managerial	managerial	ADJ
american_scientific_journal-689	214	28	perceptions	perception	NOUN
american_scientific_journal-689	214	29	in	in	ADP
american_scientific_journal-689	214	30	canada	canada	PROPN
american_scientific_journal-689	214	31	and	and	CCONJ
american_scientific_journal-689	214	32	spain	spain	PROPN
american_scientific_journal-689	214	33	”	"	PUNCT
american_scientific_journal-689	214	34	,	,	PUNCT
american_scientific_journal-689	214	35	international	international	ADJ
american_scientific_journal-689	214	36	journal	journal	NOUN
american_scientific_journal-689	214	37	of	of	ADP
american_scientific_journal-689	214	38	bank	bank	PROPN
american_scientific_journal-689	214	39	marketing	marketing	NOUN
american_scientific_journal-689	214	40	,	,	PUNCT
american_scientific_journal-689	214	41	vol	vol	NOUN
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american_scientific_journal-689	214	44	,	,	PUNCT
american_scientific_journal-689	214	45	no	no	INTJ
american_scientific_journal-689	214	46	.	.	NOUN
american_scientific_journal-689	214	47	3	3	NUM
american_scientific_journal-689	214	48	,	,	PUNCT
american_scientific_journal-689	214	49	pp	pp	ADJ
american_scientific_journal-689	214	50	.	.	PUNCT
american_scientific_journal-689	215	1	99	99	NUM
american_scientific_journal-689	215	2	-	-	SYM
american_scientific_journal-689	215	3	105	105	NUM
american_scientific_journal-689	215	4	.	.	PUNCT
american_scientific_journal-689	216	1	1997	1997	NUM
american_scientific_journal-689	216	2	.	.	PUNCT
american_scientific_journal-689	217	1	[	[	X
american_scientific_journal-689	217	2	4	4	NUM
american_scientific_journal-689	217	3	]	]	PUNCT
american_scientific_journal-689	217	4	a.m.	a.m.	NOUN
american_scientific_journal-689	217	5	aladwani	aladwani	PROPN
american_scientific_journal-689	217	6	,	,	PUNCT
american_scientific_journal-689	217	7	"	"	PUNCT
american_scientific_journal-689	217	8	online	online	ADJ
american_scientific_journal-689	217	9	banking	banking	NOUN
american_scientific_journal-689	217	10	:	:	PUNCT
american_scientific_journal-689	217	11	a	a	DET
american_scientific_journal-689	217	12	field	field	NOUN
american_scientific_journal-689	217	13	study	study	NOUN
american_scientific_journal-689	217	14	of	of	ADP
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american_scientific_journal-689	217	16	,	,	PUNCT
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american_scientific_journal-689	217	18	challenges	challenge	NOUN
american_scientific_journal-689	217	19	,	,	PUNCT
american_scientific_journal-689	217	20	and	and	CCONJ
american_scientific_journal-689	217	21	expectations	expectation	NOUN
american_scientific_journal-689	217	22	"	"	PUNCT
american_scientific_journal-689	217	23	,	,	PUNCT
american_scientific_journal-689	217	24	international	international	ADJ
american_scientific_journal-689	217	25	journal	journal	NOUN
american_scientific_journal-689	217	26	of	of	ADP
american_scientific_journal-689	217	27	information	information	NOUN
american_scientific_journal-689	217	28	management	management	NOUN
american_scientific_journal-689	217	29	,	,	PUNCT
american_scientific_journal-689	217	30	vol	vol	NOUN
american_scientific_journal-689	217	31	.	.	PROPN
american_scientific_journal-689	217	32	21	21	NUM
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american_scientific_journal-689	217	34	,	,	PUNCT
american_scientific_journal-689	217	35	pp.213	pp.213	NOUN
american_scientific_journal-689	217	36	-	-	SYM
american_scientific_journal-689	217	37	25	25	NUM
american_scientific_journal-689	217	38	.	.	PUNCT
american_scientific_journal-689	217	39	2001	2001	NUM
american_scientific_journal-689	217	40	.	.	PUNCT
american_scientific_journal-689	218	1	[	[	X
american_scientific_journal-689	218	2	5	5	NUM
american_scientific_journal-689	218	3	]	]	X
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american_scientific_journal-689	218	5	,	,	PUNCT
american_scientific_journal-689	218	6	l.	l.	PROPN
american_scientific_journal-689	218	7	white	white	PROPN
american_scientific_journal-689	218	8	,	,	PUNCT
american_scientific_journal-689	218	9	"	"	PUNCT
american_scientific_journal-689	218	10	customer	customer	NOUN
american_scientific_journal-689	218	11	orientations	orientation	NOUN
american_scientific_journal-689	218	12	and	and	CCONJ
american_scientific_journal-689	218	13	usage	usage	NOUN
american_scientific_journal-689	218	14	of	of	ADP
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american_scientific_journal-689	218	16	distribution	distribution	NOUN
american_scientific_journal-689	218	17	channels	channel	NOUN
american_scientific_journal-689	218	18	"	"	PUNCT
american_scientific_journal-689	218	19	,	,	PUNCT
american_scientific_journal-689	218	20	journal	journal	NOUN
american_scientific_journal-689	218	21	of	of	ADP
american_scientific_journal-689	218	22	services	service	NOUN
american_scientific_journal-689	218	23	marketing	marketing	NOUN
american_scientific_journal-689	218	24	,	,	PUNCT
american_scientific_journal-689	218	25	vol	vol	NOUN
american_scientific_journal-689	218	26	.	.	PROPN
american_scientific_journal-689	218	27	15	15	NUM
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american_scientific_journal-689	218	29	,	,	PUNCT
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american_scientific_journal-689	218	31	-	-	PUNCT
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american_scientific_journal-689	218	33	.	.	PUNCT
american_scientific_journal-689	219	1	[	[	X
american_scientific_journal-689	219	2	6	6	NUM
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american_scientific_journal-689	219	4	j.f	j.f	PROPN
american_scientific_journal-689	219	5	.	.	PROPN
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american_scientific_journal-689	219	7	,	,	PUNCT
american_scientific_journal-689	219	8	"	"	PUNCT
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american_scientific_journal-689	219	15	distribution	distribution	NOUN
american_scientific_journal-689	219	16	"	"	PUNCT
american_scientific_journal-689	219	17	,	,	PUNCT
american_scientific_journal-689	219	18	international	international	ADJ
american_scientific_journal-689	219	19	journal	journal	NOUN
american_scientific_journal-689	219	20	of	of	ADP
american_scientific_journal-689	219	21	bank	bank	PROPN
american_scientific_journal-689	219	22	marketing	marketing	NOUN
american_scientific_journal-689	219	23	,	,	PUNCT
american_scientific_journal-689	219	24	vol	vol	NOUN
american_scientific_journal-689	219	25	.	.	PROPN
american_scientific_journal-689	219	26	13	13	NUM
american_scientific_journal-689	219	27	no.4	no.4	PROPN
american_scientific_journal-689	219	28	,	,	PUNCT
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american_scientific_journal-689	219	30	-	-	PUNCT
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american_scientific_journal-689	219	32	.	.	PUNCT
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american_scientific_journal-689	220	2	7	7	NUM
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american_scientific_journal-689	220	5	,	,	PUNCT
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american_scientific_journal-689	220	8	,	,	PUNCT
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american_scientific_journal-689	220	10	,	,	PUNCT
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american_scientific_journal-689	220	14	-	-	PUNCT
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american_scientific_journal-689	220	17	and	and	CCONJ
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american_scientific_journal-689	220	24	,	,	PUNCT
american_scientific_journal-689	220	25	international	international	ADJ
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american_scientific_journal-689	220	27	of	of	ADP
american_scientific_journal-689	220	28	service	service	NOUN
american_scientific_journal-689	220	29	industry	industry	NOUN
american_scientific_journal-689	220	30	management	management	NOUN
american_scientific_journal-689	220	31	,	,	PUNCT
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american_scientific_journal-689	220	34	13	13	NUM
american_scientific_journal-689	220	35	,	,	PUNCT
american_scientific_journal-689	220	36	no	no	INTJ
american_scientific_journal-689	220	37	.	.	NOUN
american_scientific_journal-689	221	1	1	1	X
american_scientific_journal-689	221	2	.	.	X
american_scientific_journal-689	221	3	pp	pp	ADJ
american_scientific_journal-689	221	4	.	.	PUNCT
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american_scientific_journal-689	222	2	-	-	SYM
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american_scientific_journal-689	222	4	,	,	PUNCT
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american_scientific_journal-689	222	10	.	.	PUNCT
american_scientific_journal-689	223	1	"	"	PUNCT
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american_scientific_journal-689	223	6	"	"	PUNCT
american_scientific_journal-689	223	7	,	,	PUNCT
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american_scientific_journal-689	223	10	,	,	PUNCT
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american_scientific_journal-689	223	12	.	.	PROPN
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american_scientific_journal-689	223	17	-	-	PUNCT
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american_scientific_journal-689	224	3	]	]	SYM
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american_scientific_journal-689	224	5	,	,	PUNCT
american_scientific_journal-689	224	6	"	"	PUNCT
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american_scientific_journal-689	224	15	-	-	PUNCT
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american_scientific_journal-689	224	17	-	-	PUNCT
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american_scientific_journal-689	224	25	of	of	ADP
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american_scientific_journal-689	224	27	&	&	CCONJ
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american_scientific_journal-689	224	30	,	,	PUNCT
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american_scientific_journal-689	224	33	29	29	NUM
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american_scientific_journal-689	224	35	,	,	PUNCT
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american_scientific_journal-689	224	37	-	-	PUNCT
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american_scientific_journal-689	224	39	.	.	PUNCT
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american_scientific_journal-689	225	5	,	,	PUNCT
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american_scientific_journal-689	225	11	"	"	PUNCT
american_scientific_journal-689	225	12	,	,	PUNCT
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american_scientific_journal-689	225	17	,	,	PUNCT
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american_scientific_journal-689	226	8	,	,	PUNCT
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american_scientific_journal-689	226	16	"	"	PUNCT
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american_scientific_journal-689	226	22	,	,	PUNCT
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american_scientific_journal-689	227	1	14	14	NUM
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american_scientific_journal-689	227	3	,	,	PUNCT
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american_scientific_journal-689	227	5	-	-	PUNCT
american_scientific_journal-689	227	6	43	43	NUM
american_scientific_journal-689	227	7	.	.	PUNCT
american_scientific_journal-689	227	8	2000	2000	NUM
american_scientific_journal-689	227	9	.	.	PUNCT
american_scientific_journal-689	228	1	[	[	X
american_scientific_journal-689	228	2	12	12	NUM
american_scientific_journal-689	228	3	]	]	PUNCT
american_scientific_journal-689	228	4	b.nancy	b.nancy	NOUN
american_scientific_journal-689	228	5	,	,	PUNCT
american_scientific_journal-689	228	6	a.lockett	a.lockett	X
american_scientific_journal-689	228	7	,	,	PUNCT
american_scientific_journal-689	228	8	h.winklhofer	h.winklhof	ADJ
american_scientific_journal-689	228	9	,	,	PUNCT
american_scientific_journal-689	228	10	and	and	CCONJ
american_scientific_journal-689	228	11	e.christine	e.christine	NOUN
american_scientific_journal-689	228	12	,	,	PUNCT
american_scientific_journal-689	228	13	“	"	PUNCT
american_scientific_journal-689	228	14	the	the	DET
american_scientific_journal-689	228	15	adoption	adoption	NOUN
american_scientific_journal-689	228	16	of	of	ADP
american_scientific_journal-689	228	17	internet	internet	NOUN
american_scientific_journal-689	228	18	financial	financial	ADJ
american_scientific_journal-689	228	19	services	service	NOUN
american_scientific_journal-689	228	20	:	:	PUNCT
american_scientific_journal-689	228	21	a	a	DET
american_scientific_journal-689	228	22	qualitative	qualitative	ADJ
american_scientific_journal-689	228	23	study	study	NOUN
american_scientific_journal-689	228	24	”	"	PUNCT
american_scientific_journal-689	228	25	,	,	PUNCT
american_scientific_journal-689	228	26	international	international	ADJ
american_scientific_journal-689	228	27	journal	journal	NOUN
american_scientific_journal-689	228	28	of	of	ADP
american_scientific_journal-689	228	29	retail	retail	PROPN
american_scientific_journal-689	228	30	&	&	CCONJ
american_scientific_journal-689	228	31	distribution	distribution	NOUN
american_scientific_journal-689	228	32	management	management	NOUN
american_scientific_journal-689	228	33	,	,	PUNCT
american_scientific_journal-689	228	34	vol	vol	NOUN
american_scientific_journal-689	228	35	.	.	PROPN
american_scientific_journal-689	228	36	29	29	NUM
american_scientific_journal-689	228	37	,	,	PUNCT
american_scientific_journal-689	228	38	no	no	INTJ
american_scientific_journal-689	228	39	.	.	NOUN
american_scientific_journal-689	228	40	8	8	NUM
american_scientific_journal-689	228	41	,	,	PUNCT
american_scientific_journal-689	228	42	pp	pp	ADJ
american_scientific_journal-689	228	43	.	.	PUNCT
american_scientific_journal-689	229	1	390	390	NUM
american_scientific_journal-689	229	2	-	-	SYM
american_scientific_journal-689	229	3	398	398	NUM
american_scientific_journal-689	229	4	.	.	PUNCT
american_scientific_journal-689	230	1	2001	2001	NUM
american_scientific_journal-689	230	2	.	.	PUNCT
american_scientific_journal-689	231	1	[	[	X
american_scientific_journal-689	231	2	13	13	NUM
american_scientific_journal-689	231	3	]	]	SYM
american_scientific_journal-689	231	4	l.moutinho	l.moutinho	NOUN
american_scientific_journal-689	231	5	,	,	PUNCT
american_scientific_journal-689	231	6	p.a	p.a	PROPN
american_scientific_journal-689	231	7	.	.	PROPN
american_scientific_journal-689	231	8	phillips	phillips	PROPN
american_scientific_journal-689	231	9	,	,	PUNCT
american_scientific_journal-689	231	10	"	"	PUNCT
american_scientific_journal-689	231	11	the	the	DET
american_scientific_journal-689	231	12	impact	impact	NOUN
american_scientific_journal-689	231	13	of	of	ADP
american_scientific_journal-689	231	14	strategic	strategic	ADJ
american_scientific_journal-689	231	15	planning	planning	NOUN
american_scientific_journal-689	231	16	on	on	ADP
american_scientific_journal-689	231	17	the	the	DET
american_scientific_journal-689	231	18	competitiveness	competitiveness	NOUN
american_scientific_journal-689	231	19	,	,	PUNCT
american_scientific_journal-689	231	20	performance	performance	NOUN
american_scientific_journal-689	231	21	and	and	CCONJ
american_scientific_journal-689	231	22	effectiveness	effectiveness	NOUN
american_scientific_journal-689	231	23	of	of	ADP
american_scientific_journal-689	231	24	bank	bank	NOUN
american_scientific_journal-689	231	25	branches	branch	NOUN
american_scientific_journal-689	231	26	:	:	PUNCT
american_scientific_journal-689	231	27	a	a	DET
american_scientific_journal-689	231	28	neural	neural	ADJ
american_scientific_journal-689	231	29	network	network	NOUN
american_scientific_journal-689	231	30	analysis	analysis	NOUN
american_scientific_journal-689	231	31	"	"	PUNCT
american_scientific_journal-689	231	32	,	,	PUNCT
american_scientific_journal-689	231	33	international	international	ADJ
american_scientific_journal-689	231	34	journal	journal	NOUN
american_scientific_journal-689	231	35	of	of	ADP
american_scientific_journal-689	231	36	bank	bank	PROPN
american_scientific_journal-689	231	37	marketing	marketing	NOUN
american_scientific_journal-689	231	38	,	,	PUNCT
american_scientific_journal-689	231	39	vol	vol	NOUN
american_scientific_journal-689	231	40	.	.	PROPN
american_scientific_journal-689	231	41	20	20	NUM
american_scientific_journal-689	231	42	no.3	no.3	PROPN
american_scientific_journal-689	231	43	,	,	PUNCT
american_scientific_journal-689	231	44	pp.102	pp.102	PROPN
american_scientific_journal-689	231	45	-	-	PUNCT
american_scientific_journal-689	231	46	10	10	NUM
american_scientific_journal-689	231	47	.	.	PUNCT
american_scientific_journal-689	231	48	2002	2002	NUM
american_scientific_journal-689	231	49	.	.	PUNCT
american_scientific_journal-689	232	1	[	[	X
american_scientific_journal-689	232	2	14	14	NUM
american_scientific_journal-689	232	3	]	]	X
american_scientific_journal-689	232	4	v.	v.	ADP
american_scientific_journal-689	232	5	n	n	PRON
american_scientific_journal-689	232	6	polatoglu	polatoglu	NOUN
american_scientific_journal-689	232	7	,	,	PUNCT
american_scientific_journal-689	232	8	s.ekin	s.ekin	NOUN
american_scientific_journal-689	232	9	,	,	PUNCT
american_scientific_journal-689	232	10	"	"	PUNCT
american_scientific_journal-689	232	11	an	an	DET
american_scientific_journal-689	232	12	empirical	empirical	ADJ
american_scientific_journal-689	232	13	investigation	investigation	NOUN
american_scientific_journal-689	232	14	of	of	ADP
american_scientific_journal-689	232	15	the	the	DET
american_scientific_journal-689	232	16	turkish	turkish	ADJ
american_scientific_journal-689	232	17	consumers	consumer	NOUN
american_scientific_journal-689	232	18	’	'	PUNCT
american_scientific_journal-689	232	19	acceptance	acceptance	NOUN
american_scientific_journal-689	232	20	of	of	ADP
american_scientific_journal-689	232	21	internet	internet	NOUN
american_scientific_journal-689	232	22	82	82	NUM
american_scientific_journal-689	232	23	american	american	PROPN
american_scientific_journal-689	232	24	scientific	scientific	ADJ
american_scientific_journal-689	232	25	research	research	NOUN
american_scientific_journal-689	232	26	journal	journal	NOUN
american_scientific_journal-689	232	27	for	for	ADP
american_scientific_journal-689	232	28	engineering	engineering	NOUN
american_scientific_journal-689	232	29	,	,	PUNCT
american_scientific_journal-689	232	30	technology	technology	NOUN
american_scientific_journal-689	232	31	,	,	PUNCT
american_scientific_journal-689	232	32	and	and	CCONJ
american_scientific_journal-689	232	33	sciences	science	NOUN
american_scientific_journal-689	232	34	(	(	PUNCT
american_scientific_journal-689	232	35	asrjets	asrjet	NOUN
american_scientific_journal-689	232	36	)	)	PUNCT
american_scientific_journal-689	232	37	(	(	PUNCT
american_scientific_journal-689	232	38	2014	2014	NUM
american_scientific_journal-689	232	39	)	)	PUNCT
american_scientific_journal-689	232	40	volume	volume	NOUN
american_scientific_journal-689	232	41	10	10	NUM
american_scientific_journal-689	232	42	,	,	PUNCT
american_scientific_journal-689	232	43	no	no	DET
american_scientific_journal-689	232	44	1	1	NUM
american_scientific_journal-689	232	45	,	,	PUNCT
american_scientific_journal-689	232	46	pp	pp	ADV
american_scientific_journal-689	232	47	74	74	NUM
american_scientific_journal-689	232	48	-	-	SYM
american_scientific_journal-689	232	49	84	84	NUM
american_scientific_journal-689	232	50	banking	banking	NOUN
american_scientific_journal-689	232	51	services	service	NOUN
american_scientific_journal-689	232	52	"	"	PUNCT
american_scientific_journal-689	232	53	,	,	PUNCT
american_scientific_journal-689	232	54	international	international	ADJ
american_scientific_journal-689	232	55	journal	journal	NOUN
american_scientific_journal-689	232	56	of	of	ADP
american_scientific_journal-689	232	57	bank	bank	PROPN
american_scientific_journal-689	232	58	marketing	marketing	NOUN
american_scientific_journal-689	232	59	,	,	PUNCT
american_scientific_journal-689	232	60	vol	vol	NOUN
american_scientific_journal-689	232	61	.	.	PROPN
american_scientific_journal-689	232	62	19	19	NUM
american_scientific_journal-689	232	63	no.4	no.4	PROPN
american_scientific_journal-689	232	64	,	,	PUNCT
american_scientific_journal-689	232	65	pp.156	pp.156	PROPN
american_scientific_journal-689	232	66	-	-	PUNCT
american_scientific_journal-689	232	67	65.2001	65.2001	NUM
american_scientific_journal-689	232	68	.	.	PUNCT
american_scientific_journal-689	233	1	[	[	X
american_scientific_journal-689	233	2	15	15	NUM
american_scientific_journal-689	233	3	]	]	PUNCT
american_scientific_journal-689	233	4	n.j.black	n.j.black	NOUN
american_scientific_journal-689	233	5	,	,	PUNCT
american_scientific_journal-689	233	6	a.lockett	a.lockett	ADJ
american_scientific_journal-689	233	7	,	,	PUNCT
american_scientific_journal-689	233	8	h.winklhofer	h.winklhofer	NOUN
american_scientific_journal-689	233	9	,	,	PUNCT
american_scientific_journal-689	233	10	c.	c.	PROPN
american_scientific_journal-689	233	11	ennew	ennew	PROPN
american_scientific_journal-689	233	12	,	,	PUNCT
american_scientific_journal-689	233	13	"	"	PUNCT
american_scientific_journal-689	233	14	the	the	DET
american_scientific_journal-689	233	15	adoption	adoption	NOUN
american_scientific_journal-689	233	16	of	of	ADP
american_scientific_journal-689	233	17	internet	internet	NOUN
american_scientific_journal-689	233	18	financial	financial	ADJ
american_scientific_journal-689	233	19	services	service	NOUN
american_scientific_journal-689	233	20	:	:	PUNCT
american_scientific_journal-689	233	21	a	a	DET
american_scientific_journal-689	233	22	qualitative	qualitative	ADJ
american_scientific_journal-689	233	23	study	study	NOUN
american_scientific_journal-689	233	24	"	"	PUNCT
american_scientific_journal-689	233	25	,	,	PUNCT
american_scientific_journal-689	233	26	international	international	ADJ
american_scientific_journal-689	233	27	journal	journal	NOUN
american_scientific_journal-689	233	28	of	of	ADP
american_scientific_journal-689	233	29	retail	retail	PROPN
american_scientific_journal-689	233	30	&	&	CCONJ
american_scientific_journal-689	233	31	distribution	distribution	NOUN
american_scientific_journal-689	233	32	management	management	NOUN
american_scientific_journal-689	233	33	,	,	PUNCT
american_scientific_journal-689	233	34	vol	vol	NOUN
american_scientific_journal-689	233	35	.	.	PROPN
american_scientific_journal-689	233	36	29	29	NUM
american_scientific_journal-689	233	37	no.8	no.8	PROPN
american_scientific_journal-689	233	38	,	,	PUNCT
american_scientific_journal-689	233	39	pp.390	pp.390	PROPN
american_scientific_journal-689	233	40	-	-	ADJ
american_scientific_journal-689	233	41	8.2001	8.2001	NUM
american_scientific_journal-689	233	42	.	.	PUNCT
american_scientific_journal-689	234	1	[	[	X
american_scientific_journal-689	234	2	16	16	NUM
american_scientific_journal-689	234	3	]	]	X
american_scientific_journal-689	234	4	o.	o.	NOUN
american_scientific_journal-689	234	5	boon	boon	NOUN
american_scientific_journal-689	234	6	,	,	PUNCT
american_scientific_journal-689	234	7	“	"	PUNCT
american_scientific_journal-689	234	8	success	success	NOUN
american_scientific_journal-689	234	9	factors	factor	NOUN
american_scientific_journal-689	234	10	in	in	ADP
american_scientific_journal-689	234	11	e	e	NOUN
american_scientific_journal-689	234	12	-	-	NOUN
american_scientific_journal-689	234	13	channels	channel	NOUN
american_scientific_journal-689	234	14	:	:	PUNCT
american_scientific_journal-689	234	15	the	the	DET
american_scientific_journal-689	234	16	malaysian	malaysian	ADJ
american_scientific_journal-689	234	17	banking	banking	PROPN
american_scientific_journal-689	234	18	scenario	scenario	PROPN
american_scientific_journal-689	234	19	”	"	PUNCT
american_scientific_journal-689	234	20	,	,	PUNCT
american_scientific_journal-689	234	21	international	international	ADJ
american_scientific_journal-689	234	22	journal	journal	NOUN
american_scientific_journal-689	234	23	of	of	ADP
american_scientific_journal-689	234	24	bank	bank	PROPN
american_scientific_journal-689	234	25	marketing	marketing	NOUN
american_scientific_journal-689	234	26	,	,	PUNCT
american_scientific_journal-689	234	27	vol	vol	NOUN
american_scientific_journal-689	234	28	.	.	PROPN
american_scientific_journal-689	234	29	21	21	NUM
american_scientific_journal-689	234	30	,	,	PUNCT
american_scientific_journal-689	234	31	no	no	INTJ
american_scientific_journal-689	234	32	.	.	NOUN
american_scientific_journal-689	234	33	6/7	6/7	NUM
american_scientific_journal-689	234	34	,	,	PUNCT
american_scientific_journal-689	234	35	pp	pp	ADV
american_scientific_journal-689	234	36	.	.	PUNCT
american_scientific_journal-689	234	37	369	369	NUM
american_scientific_journal-689	234	38	-	-	SYM
american_scientific_journal-689	234	39	377	377	NUM
american_scientific_journal-689	234	40	.	.	NUM
american_scientific_journal-689	234	41	2003	2003	NUM
american_scientific_journal-689	234	42	.	.	PUNCT
american_scientific_journal-689	235	1	appendix	appendix	VERB
american_scientific_journal-689	235	2	a	a	DET
american_scientific_journal-689	235	3	questionnaire	questionnaire	NOUN
american_scientific_journal-689	235	4	forces	force	NOUN
american_scientific_journal-689	235	5	of	of	ADP
american_scientific_journal-689	235	6	electronic	electronic	ADJ
american_scientific_journal-689	235	7	banking	banking	NOUN
american_scientific_journal-689	235	8	on	on	ADP
american_scientific_journal-689	235	9	customer	customer	NOUN
american_scientific_journal-689	235	10	requirements	requirement	NOUN
american_scientific_journal-689	235	11	are	be	AUX
american_scientific_journal-689	235	12	a	a	DET
american_scientific_journal-689	235	13	topic	topic	NOUN
american_scientific_journal-689	235	14	which	which	PRON
american_scientific_journal-689	235	15	we	we	PRON
american_scientific_journal-689	235	16	conducted	conduct	VERB
american_scientific_journal-689	235	17	studies	study	NOUN
american_scientific_journal-689	235	18	that	that	PRON
american_scientific_journal-689	235	19	have	have	VERB
american_scientific_journal-689	235	20	a	a	DET
american_scientific_journal-689	235	21	people	people	NOUN
american_scientific_journal-689	235	22	satisfy	satisfy	VERB
american_scientific_journal-689	235	23	of	of	ADP
american_scientific_journal-689	235	24	the	the	DET
american_scientific_journal-689	235	25	electronic	electronic	ADJ
american_scientific_journal-689	235	26	banking	banking	NOUN
american_scientific_journal-689	235	27	products	product	NOUN
american_scientific_journal-689	235	28	and	and	CCONJ
american_scientific_journal-689	235	29	their	their	PRON
american_scientific_journal-689	235	30	services	service	NOUN
american_scientific_journal-689	235	31	.	.	PUNCT
american_scientific_journal-689	236	1	we	we	PRON
american_scientific_journal-689	236	2	defined	define	VERB
american_scientific_journal-689	236	3	some	some	DET
american_scientific_journal-689	236	4	variables	variable	NOUN
american_scientific_journal-689	236	5	above	above	ADP
american_scientific_journal-689	236	6	which	which	PRON
american_scientific_journal-689	236	7	would	would	AUX
american_scientific_journal-689	236	8	impact	impact	VERB
american_scientific_journal-689	236	9	on	on	ADP
american_scientific_journal-689	236	10	customer	customer	NOUN
american_scientific_journal-689	236	11	satisfaction	satisfaction	NOUN
american_scientific_journal-689	236	12	.	.	PUNCT
american_scientific_journal-689	237	1	major	major	ADJ
american_scientific_journal-689	237	2	variables	variable	NOUN
american_scientific_journal-689	237	3	are	be	AUX
american_scientific_journal-689	237	4	the	the	DET
american_scientific_journal-689	237	5	electronic	electronic	ADJ
american_scientific_journal-689	237	6	banking	banking	NOUN
american_scientific_journal-689	237	7	products	product	NOUN
american_scientific_journal-689	237	8	,	,	PUNCT
american_scientific_journal-689	237	9	cybercrimes	cybercrime	NOUN
american_scientific_journal-689	237	10	and	and	CCONJ
american_scientific_journal-689	237	11	availability	availability	NOUN
american_scientific_journal-689	237	12	of	of	ADP
american_scientific_journal-689	237	13	internet	internet	NOUN
american_scientific_journal-689	237	14	access	access	NOUN
american_scientific_journal-689	237	15	,	,	PUNCT
american_scientific_journal-689	237	16	security	security	NOUN
american_scientific_journal-689	237	17	in	in	ADP
american_scientific_journal-689	237	18	information	information	NOUN
american_scientific_journal-689	237	19	transaction	transaction	NOUN
american_scientific_journal-689	237	20	.	.	PUNCT
american_scientific_journal-689	238	1	customers	customer	NOUN
american_scientific_journal-689	238	2	believe	believe	VERB
american_scientific_journal-689	238	3	on	on	ADP
american_scientific_journal-689	238	4	electronic	electronic	ADJ
american_scientific_journal-689	238	5	banking	banking	NOUN
american_scientific_journal-689	238	6	products	product	NOUN
american_scientific_journal-689	238	7	on	on	ADP
american_scientific_journal-689	238	8	this	this	DET
american_scientific_journal-689	238	9	variable	variable	NOUN
american_scientific_journal-689	238	10	,	,	PUNCT
american_scientific_journal-689	238	11	we	we	PRON
american_scientific_journal-689	238	12	define	define	VERB
american_scientific_journal-689	238	13	the	the	DET
american_scientific_journal-689	238	14	satisfaction	satisfaction	NOUN
american_scientific_journal-689	238	15	of	of	ADP
american_scientific_journal-689	238	16	the	the	DET
american_scientific_journal-689	238	17	customer	customer	NOUN
american_scientific_journal-689	238	18	five	five	NUM
american_scientific_journal-689	238	19	questions	question	NOUN
american_scientific_journal-689	238	20	of	of	ADP
american_scientific_journal-689	238	21	each	each	DET
american_scientific_journal-689	238	22	variable	variable	NOUN
american_scientific_journal-689	238	23	.	.	PUNCT
american_scientific_journal-689	239	1	questions	question	NOUN
american_scientific_journal-689	239	2	we	we	PRON
american_scientific_journal-689	239	3	arranged	arrange	VERB
american_scientific_journal-689	239	4	five	five	NUM
american_scientific_journal-689	239	5	categories	category	NOUN
american_scientific_journal-689	239	6	such	such	ADJ
american_scientific_journal-689	239	7	as	as	ADP
american_scientific_journal-689	239	8	:	:	PUNCT
american_scientific_journal-689	239	9	1=	1=	NUM
american_scientific_journal-689	239	10	strongly	strongly	ADV
american_scientific_journal-689	239	11	disagree	disagree	VERB
american_scientific_journal-689	239	12	,	,	PUNCT
american_scientific_journal-689	239	13	2=	2=	NUM
american_scientific_journal-689	239	14	disagree	disagree	VERB
american_scientific_journal-689	239	15	,	,	PUNCT
american_scientific_journal-689	239	16	3=	3=	PROPN
american_scientific_journal-689	239	17	slightly	slightly	ADV
american_scientific_journal-689	239	18	agree	agree	VERB
american_scientific_journal-689	239	19	,	,	PUNCT
american_scientific_journal-689	239	20	4=	4=	NUM
american_scientific_journal-689	239	21	agree	agree	VERB
american_scientific_journal-689	239	22	,	,	PUNCT
american_scientific_journal-689	240	1	5	5	NUM
american_scientific_journal-689	240	2	=	=	PRON
american_scientific_journal-689	240	3	strongly	strongly	ADV
american_scientific_journal-689	240	4	agree	agree	VERB
american_scientific_journal-689	240	5	,	,	PUNCT
american_scientific_journal-689	240	6	people	people	NOUN
american_scientific_journal-689	240	7	have	have	AUX
american_scientific_journal-689	240	8	just	just	ADV
american_scientific_journal-689	240	9	tick	tick	VERB
american_scientific_journal-689	240	10	the	the	DET
american_scientific_journal-689	240	11	satisfy	satisfy	PROPN
american_scientific_journal-689	240	12	answer	answer	NOUN
american_scientific_journal-689	240	13	.	.	PUNCT
american_scientific_journal-689	241	1	we	we	PRON
american_scientific_journal-689	241	2	have	have	AUX
american_scientific_journal-689	241	3	sent	send	VERB
american_scientific_journal-689	241	4	200	200	NUM
american_scientific_journal-689	241	5	questionnaire	questionnaire	NOUN
american_scientific_journal-689	241	6	to	to	ADP
american_scientific_journal-689	241	7	different	different	ADJ
american_scientific_journal-689	241	8	banks	bank	NOUN
american_scientific_journal-689	241	9	customers	customer	NOUN
american_scientific_journal-689	241	10	which	which	PRON
american_scientific_journal-689	241	11	are	be	AUX
american_scientific_journal-689	241	12	fill	fill	VERB
american_scientific_journal-689	241	13	by	by	ADP
american_scientific_journal-689	241	14	male	male	ADJ
american_scientific_journal-689	241	15	and	and	CCONJ
american_scientific_journal-689	241	16	female	female	ADJ
american_scientific_journal-689	241	17	as	as	ADV
american_scientific_journal-689	241	18	well	well	ADV
american_scientific_journal-689	241	19	.	.	PUNCT
american_scientific_journal-689	242	1	the	the	DET
american_scientific_journal-689	242	2	format	format	NOUN
american_scientific_journal-689	242	3	of	of	ADP
american_scientific_journal-689	242	4	questionnaire	questionnaire	NOUN
american_scientific_journal-689	242	5	is	be	AUX
american_scientific_journal-689	242	6	as	as	ADV
american_scientific_journal-689	242	7	bellow	bellow	ADJ
american_scientific_journal-689	242	8	:	:	PUNCT
american_scientific_journal-689	242	9	internet	internet	NOUN
american_scientific_journal-689	242	10	banking	banking	NOUN
american_scientific_journal-689	242	11	questionnaire	questionnaire	NOUN
american_scientific_journal-689	242	12	used	use	VERB
american_scientific_journal-689	242	13	for	for	ADP
american_scientific_journal-689	242	14	survey	survey	NOUN
american_scientific_journal-689	242	15	1	1	NUM
american_scientific_journal-689	242	16	.	.	PUNCT
american_scientific_journal-689	243	1	name	name	NOUN
american_scientific_journal-689	243	2	_	_	PUNCT
american_scientific_journal-689	244	1	_	_	PUNCT
american_scientific_journal-689	245	1	_	_	PUNCT
american_scientific_journal-689	246	1	_	_	PUNCT
american_scientific_journal-689	247	1	_	_	PUNCT
american_scientific_journal-689	248	1	_	_	PUNCT
american_scientific_journal-689	249	1	_	_	PUNCT
american_scientific_journal-689	250	1	_	_	PUNCT
american_scientific_journal-689	251	1	_	_	PUNCT
american_scientific_journal-689	252	1	_	_	PUNCT
american_scientific_journal-689	253	1	_	_	PUNCT
american_scientific_journal-689	254	1	_	_	PUNCT
american_scientific_journal-689	255	1	_	_	PUNCT
american_scientific_journal-689	256	1	_	_	PUNCT
american_scientific_journal-689	257	1	_	_	PUNCT
american_scientific_journal-689	258	1	_	_	PUNCT
american_scientific_journal-689	259	1	_	_	PUNCT
american_scientific_journal-689	260	1	_	_	PUNCT
american_scientific_journal-689	261	1	_	_	PUNCT
american_scientific_journal-689	262	1	_	_	PUNCT
american_scientific_journal-689	263	1	_	_	PUNCT
american_scientific_journal-689	264	1	_	_	PUNCT
american_scientific_journal-689	265	1	_	_	PUNCT
american_scientific_journal-689	266	1	_	_	PUNCT
american_scientific_journal-689	267	1	_	_	PUNCT
american_scientific_journal-689	268	1	_	_	PUNCT
american_scientific_journal-689	269	1	_	_	PUNCT
american_scientific_journal-689	270	1	_	_	PUNCT
american_scientific_journal-689	271	1	_	_	PUNCT
american_scientific_journal-689	272	1	_	_	PUNCT
american_scientific_journal-689	273	1	_	_	PUNCT
american_scientific_journal-689	274	1	_	_	PUNCT
american_scientific_journal-689	275	1	_	_	PUNCT
american_scientific_journal-689	276	1	_	_	PUNCT
american_scientific_journal-689	277	1	_	_	PUNCT
american_scientific_journal-689	278	1	_	_	PUNCT
american_scientific_journal-689	279	1	_	_	PUNCT
american_scientific_journal-689	280	1	_	_	PUNCT
american_scientific_journal-689	281	1	_	_	PUNCT
american_scientific_journal-689	282	1	_	_	PUNCT
american_scientific_journal-689	283	1	2	2	X
american_scientific_journal-689	283	2	.	.	X
american_scientific_journal-689	283	3	bank	bank	NOUN
american_scientific_journal-689	283	4	name	name	NOUN
american_scientific_journal-689	283	5	_	_	PUNCT
american_scientific_journal-689	284	1	_	_	PUNCT
american_scientific_journal-689	285	1	_	_	PUNCT
american_scientific_journal-689	286	1	_	_	PUNCT
american_scientific_journal-689	287	1	_	_	PUNCT
american_scientific_journal-689	288	1	_	_	PUNCT
american_scientific_journal-689	289	1	_	_	PUNCT
american_scientific_journal-689	290	1	_	_	PUNCT
american_scientific_journal-689	291	1	_	_	PUNCT
american_scientific_journal-689	292	1	_	_	PUNCT
american_scientific_journal-689	293	1	_	_	PUNCT
american_scientific_journal-689	294	1	_	_	PUNCT
american_scientific_journal-689	295	1	_	_	PUNCT
american_scientific_journal-689	296	1	_	_	PUNCT
american_scientific_journal-689	297	1	_	_	PUNCT
american_scientific_journal-689	298	1	_	_	PUNCT
american_scientific_journal-689	299	1	_	_	PUNCT
american_scientific_journal-689	300	1	_	_	PUNCT
american_scientific_journal-689	301	1	_	_	PUNCT
american_scientific_journal-689	302	1	_	_	PUNCT
american_scientific_journal-689	303	1	_	_	PUNCT
american_scientific_journal-689	304	1	_	_	PUNCT
american_scientific_journal-689	305	1	_	_	PUNCT
american_scientific_journal-689	306	1	_	_	PUNCT
american_scientific_journal-689	307	1	_	_	PUNCT
american_scientific_journal-689	308	1	_	_	PUNCT
american_scientific_journal-689	309	1	_	_	PUNCT
american_scientific_journal-689	310	1	_	_	PUNCT
american_scientific_journal-689	311	1	_	_	PUNCT
american_scientific_journal-689	312	1	_	_	PUNCT
american_scientific_journal-689	313	1	_	_	PUNCT
american_scientific_journal-689	314	1	_	_	PUNCT
american_scientific_journal-689	315	1	_	_	PUNCT
american_scientific_journal-689	316	1	_	_	PUNCT
american_scientific_journal-689	317	1	_	_	PUNCT
american_scientific_journal-689	318	1	_	_	PUNCT
american_scientific_journal-689	319	1	3	3	X
american_scientific_journal-689	319	2	.	.	X
american_scientific_journal-689	319	3	what	what	PRON
american_scientific_journal-689	319	4	is	be	AUX
american_scientific_journal-689	319	5	the	the	DET
american_scientific_journal-689	319	6	level	level	NOUN
american_scientific_journal-689	319	7	of	of	ADP
american_scientific_journal-689	319	8	your	your	PRON
american_scientific_journal-689	319	9	agreement	agreement	NOUN
american_scientific_journal-689	319	10	with	with	ADP
american_scientific_journal-689	319	11	the	the	DET
american_scientific_journal-689	319	12	statements	statement	NOUN
american_scientific_journal-689	319	13	below	below	ADV
american_scientific_journal-689	319	14	?	?	PUNCT
american_scientific_journal-689	320	1	please	please	INTJ
american_scientific_journal-689	320	2	choose	choose	VERB
american_scientific_journal-689	320	3	1	1	NUM
american_scientific_journal-689	320	4	if	if	SCONJ
american_scientific_journal-689	320	5	you	you	PRON
american_scientific_journal-689	320	6	strongly	strongly	ADV
american_scientific_journal-689	320	7	disagree	disagree	VERB
american_scientific_journal-689	320	8	,	,	PUNCT
american_scientific_journal-689	320	9	2	2	NUM
american_scientific_journal-689	320	10	if	if	SCONJ
american_scientific_journal-689	320	11	you	you	PRON
american_scientific_journal-689	320	12	disagree	disagree	VERB
american_scientific_journal-689	320	13	,	,	PUNCT
american_scientific_journal-689	320	14	3	3	NUM
american_scientific_journal-689	320	15	if	if	SCONJ
american_scientific_journal-689	320	16	you	you	PRON
american_scientific_journal-689	320	17	slightly	slightly	ADV
american_scientific_journal-689	320	18	agree	agree	VERB
american_scientific_journal-689	320	19	,	,	PUNCT
american_scientific_journal-689	320	20	4	4	NUM
american_scientific_journal-689	320	21	if	if	SCONJ
american_scientific_journal-689	320	22	you	you	PRON
american_scientific_journal-689	320	23	agree	agree	VERB
american_scientific_journal-689	320	24	and	and	CCONJ
american_scientific_journal-689	320	25	choose	choose	VERB
american_scientific_journal-689	320	26	5	5	NUM
american_scientific_journal-689	320	27	if	if	SCONJ
american_scientific_journal-689	320	28	you	you	PRON
american_scientific_journal-689	320	29	strongly	strongly	ADV
american_scientific_journal-689	320	30	agree	agree	VERB
american_scientific_journal-689	320	31	with	with	ADP
american_scientific_journal-689	320	32	the	the	DET
american_scientific_journal-689	320	33	given	give	VERB
american_scientific_journal-689	320	34	statements	statement	NOUN
american_scientific_journal-689	320	35	.	.	PUNCT
american_scientific_journal-689	321	1	1=	1=	X
american_scientific_journal-689	321	2	strongly	strongly	ADV
american_scientific_journal-689	321	3	disagree	disagree	VERB
american_scientific_journal-689	321	4	,	,	PUNCT
american_scientific_journal-689	321	5	2=	2=	NUM
american_scientific_journal-689	321	6	disagree	disagree	VERB
american_scientific_journal-689	321	7	,	,	PUNCT
american_scientific_journal-689	321	8	3=	3=	PROPN
american_scientific_journal-689	321	9	slightly	slightly	ADV
american_scientific_journal-689	321	10	agree	agree	VERB
american_scientific_journal-689	321	11	,	,	PUNCT
american_scientific_journal-689	321	12	4=	4=	NUM
american_scientific_journal-689	321	13	agree	agree	VERB
american_scientific_journal-689	321	14	,	,	PUNCT
american_scientific_journal-689	321	15	5	5	NUM
american_scientific_journal-689	321	16	=	=	PRON
american_scientific_journal-689	321	17	strongly	strongly	ADV
american_scientific_journal-689	321	18	agree	agree	VERB
american_scientific_journal-689	321	19	01	01	NUM
american_scientific_journal-689	321	20	do	do	AUX
american_scientific_journal-689	321	21	you	you	PRON
american_scientific_journal-689	321	22	agree	agree	VERB
american_scientific_journal-689	321	23	that	that	SCONJ
american_scientific_journal-689	321	24	internet	internet	NOUN
american_scientific_journal-689	321	25	banking	banking	NOUN
american_scientific_journal-689	321	26	is	be	AUX
american_scientific_journal-689	321	27	a	a	DET
american_scientific_journal-689	321	28	developed	developed	ADJ
american_scientific_journal-689	321	29	world	world	NOUN
american_scientific_journal-689	321	30	tendency	tendency	NOUN
american_scientific_journal-689	321	31	but	but	CCONJ
american_scientific_journal-689	321	32	not	not	PART
american_scientific_journal-689	321	33	yet	yet	ADV
american_scientific_journal-689	321	34	fit	fit	ADJ
american_scientific_journal-689	321	35	to	to	ADP
american_scientific_journal-689	321	36	our	our	PRON
american_scientific_journal-689	321	37	society	society	NOUN
american_scientific_journal-689	321	38	?	?	PUNCT
american_scientific_journal-689	322	1	1	1	NUM
american_scientific_journal-689	322	2	2	2	NUM
american_scientific_journal-689	322	3	3	3	NUM
american_scientific_journal-689	322	4	4	4	NUM
american_scientific_journal-689	322	5	5	5	NUM
american_scientific_journal-689	322	6	02	02	NUM
american_scientific_journal-689	322	7	our	our	PRON
american_scientific_journal-689	322	8	banking	banking	NOUN
american_scientific_journal-689	322	9	sectors	sector	NOUN
american_scientific_journal-689	322	10	are	be	AUX
american_scientific_journal-689	322	11	competent	competent	ADJ
american_scientific_journal-689	322	12	enough	enough	ADV
american_scientific_journal-689	322	13	(	(	PUNCT
american_scientific_journal-689	322	14	having	have	VERB
american_scientific_journal-689	322	15	infrastructure	infrastructure	NOUN
american_scientific_journal-689	322	16	,	,	PUNCT
american_scientific_journal-689	322	17	skilled	skilled	ADJ
american_scientific_journal-689	322	18	labor	labor	NOUN
american_scientific_journal-689	322	19	.	.	PUNCT
american_scientific_journal-689	323	1	final	final	ADJ
american_scientific_journal-689	323	2	resources	resource	NOUN
american_scientific_journal-689	323	3	)	)	PUNCT
american_scientific_journal-689	323	4	of	of	ADP
american_scientific_journal-689	323	5	the	the	DET
american_scientific_journal-689	323	6	internet	internet	NOUN
american_scientific_journal-689	323	7	banking	banking	NOUN
american_scientific_journal-689	323	8	adoption	adoption	NOUN
american_scientific_journal-689	323	9	/	/	SYM
american_scientific_journal-689	323	10	implementations	implementation	NOUN
american_scientific_journal-689	323	11	by	by	ADP
american_scientific_journal-689	323	12	its	its	PRON
american_scientific_journal-689	323	13	competitors	competitor	NOUN
american_scientific_journal-689	323	14	.	.	PUNCT
american_scientific_journal-689	324	1	1	1	NUM
american_scientific_journal-689	324	2	2	2	NUM
american_scientific_journal-689	324	3	3	3	NUM
american_scientific_journal-689	324	4	4	4	NUM
american_scientific_journal-689	324	5	5	5	NUM
american_scientific_journal-689	324	6	03	03	NUM
american_scientific_journal-689	324	7	the	the	DET
american_scientific_journal-689	324	8	bankers	banker	NOUN
american_scientific_journal-689	324	9	are	be	AUX
american_scientific_journal-689	324	10	well	well	ADV
american_scientific_journal-689	324	11	awareness	awareness	NOUN
american_scientific_journal-689	324	12	of	of	ADP
american_scientific_journal-689	324	13	it	it	PRON
american_scientific_journal-689	324	14	and	and	CCONJ
american_scientific_journal-689	324	15	have	have	VERB
american_scientific_journal-689	324	16	access	access	NOUN
american_scientific_journal-689	324	17	to	to	ADP
american_scientific_journal-689	324	18	computers	computer	NOUN
american_scientific_journal-689	324	19	and	and	CCONJ
american_scientific_journal-689	324	20	internet	internet	NOUN
american_scientific_journal-689	324	21	in	in	ADP
american_scientific_journal-689	324	22	office	office	NOUN
american_scientific_journal-689	324	23	.	.	PUNCT
american_scientific_journal-689	325	1	1	1	NUM
american_scientific_journal-689	325	2	2	2	NUM
american_scientific_journal-689	325	3	3	3	NUM
american_scientific_journal-689	325	4	4	4	NUM
american_scientific_journal-689	325	5	5	5	NUM
american_scientific_journal-689	325	6	04	04	NUM
american_scientific_journal-689	325	7	we	we	PRON
american_scientific_journal-689	325	8	have	have	VERB
american_scientific_journal-689	325	9	necessary	necessary	ADJ
american_scientific_journal-689	325	10	infrastructure	infrastructure	NOUN
american_scientific_journal-689	325	11	such	such	ADJ
american_scientific_journal-689	325	12	as	as	ADP
american_scientific_journal-689	325	13	in	in	ADP
american_scientific_journal-689	325	14	-	-	PUNCT
american_scientific_journal-689	325	15	house	house	NOUN
american_scientific_journal-689	325	16	technician	technician	NOUN
american_scientific_journal-689	325	17	,	,	PUNCT
american_scientific_journal-689	325	18	management	management	NOUN
american_scientific_journal-689	325	19	and	and	CCONJ
american_scientific_journal-689	325	20	other	other	ADJ
american_scientific_journal-689	325	21	1	1	NUM
american_scientific_journal-689	325	22	2	2	NUM
american_scientific_journal-689	325	23	3	3	NUM
american_scientific_journal-689	325	24	4	4	NUM
american_scientific_journal-689	325	25	5	5	NUM
american_scientific_journal-689	325	26	83	83	NUM
american_scientific_journal-689	325	27	american	american	ADJ
american_scientific_journal-689	325	28	scientific	scientific	ADJ
american_scientific_journal-689	325	29	research	research	NOUN
american_scientific_journal-689	325	30	journal	journal	NOUN
american_scientific_journal-689	325	31	for	for	ADP
american_scientific_journal-689	325	32	engineering	engineering	NOUN
american_scientific_journal-689	325	33	,	,	PUNCT
american_scientific_journal-689	325	34	technology	technology	NOUN
american_scientific_journal-689	325	35	,	,	PUNCT
american_scientific_journal-689	325	36	and	and	CCONJ
american_scientific_journal-689	325	37	sciences	science	NOUN
american_scientific_journal-689	325	38	(	(	PUNCT
american_scientific_journal-689	325	39	asrjets	asrjet	NOUN
american_scientific_journal-689	325	40	)	)	PUNCT
american_scientific_journal-689	325	41	(	(	PUNCT
american_scientific_journal-689	325	42	2014	2014	NUM
american_scientific_journal-689	325	43	)	)	PUNCT
american_scientific_journal-689	325	44	volume	volume	NOUN
american_scientific_journal-689	325	45	10	10	NUM
american_scientific_journal-689	325	46	,	,	PUNCT
american_scientific_journal-689	325	47	no	no	DET
american_scientific_journal-689	325	48	1	1	NUM
american_scientific_journal-689	325	49	,	,	PUNCT
american_scientific_journal-689	325	50	pp	pp	ADV
american_scientific_journal-689	325	51	74	74	NUM
american_scientific_journal-689	325	52	-	-	SYM
american_scientific_journal-689	325	53	84	84	NUM
american_scientific_journal-689	325	54	technique	technique	NOUN
american_scientific_journal-689	325	55	to	to	PART
american_scientific_journal-689	325	56	deploy	deploy	VERB
american_scientific_journal-689	325	57	internet	internet	NOUN
american_scientific_journal-689	325	58	banking	banking	NOUN
american_scientific_journal-689	325	59	.	.	PUNCT
american_scientific_journal-689	326	1	05	05	NUM
american_scientific_journal-689	327	1	the	the	DET
american_scientific_journal-689	327	2	political	political	ADJ
american_scientific_journal-689	327	3	and	and	CCONJ
american_scientific_journal-689	327	4	legal	legal	ADJ
american_scientific_journal-689	327	5	environment	environment	NOUN
american_scientific_journal-689	327	6	is	be	AUX
american_scientific_journal-689	327	7	supportive	supportive	ADJ
american_scientific_journal-689	327	8	to	to	PART
american_scientific_journal-689	327	9	conduct	conduct	VERB
american_scientific_journal-689	327	10	business	business	NOUN
american_scientific_journal-689	327	11	on	on	ADP
american_scientific_journal-689	327	12	the	the	DET
american_scientific_journal-689	327	13	internet	internet	NOUN
american_scientific_journal-689	327	14	.	.	PUNCT
american_scientific_journal-689	328	1	1	1	NUM
american_scientific_journal-689	328	2	2	2	NUM
american_scientific_journal-689	328	3	3	3	NUM
american_scientific_journal-689	328	4	4	4	NUM
american_scientific_journal-689	328	5	5	5	NUM
american_scientific_journal-689	328	6	06	06	NUM
american_scientific_journal-689	328	7	our	our	PRON
american_scientific_journal-689	328	8	bank	bank	NOUN
american_scientific_journal-689	328	9	is	be	AUX
american_scientific_journal-689	328	10	allocating	allocate	VERB
american_scientific_journal-689	328	11	sufficiently	sufficiently	ADV
american_scientific_journal-689	328	12	funds	fund	NOUN
american_scientific_journal-689	328	13	in	in	ADP
american_scientific_journal-689	328	14	projects	project	NOUN
american_scientific_journal-689	328	15	related	relate	VERB
american_scientific_journal-689	328	16	to	to	ADP
american_scientific_journal-689	328	17	internet	internet	NOUN
american_scientific_journal-689	328	18	banking	banking	NOUN
american_scientific_journal-689	328	19	and	and	CCONJ
american_scientific_journal-689	328	20	ecommerce	ecommerce	NOUN
american_scientific_journal-689	328	21	.	.	PROPN
american_scientific_journal-689	329	1	1	1	NUM
american_scientific_journal-689	329	2	2	2	NUM
american_scientific_journal-689	329	3	3	3	NUM
american_scientific_journal-689	329	4	4	4	NUM
american_scientific_journal-689	329	5	5	5	NUM
american_scientific_journal-689	329	6	07	07	NUM
american_scientific_journal-689	329	7	our	our	PRON
american_scientific_journal-689	329	8	banks	bank	NOUN
american_scientific_journal-689	329	9	have	have	VERB
american_scientific_journal-689	329	10	sufficient	sufficient	ADJ
american_scientific_journal-689	329	11	resources	resource	NOUN
american_scientific_journal-689	329	12	(	(	PUNCT
american_scientific_journal-689	329	13	such	such	ADJ
american_scientific_journal-689	329	14	human	human	ADJ
american_scientific_journal-689	329	15	,	,	PUNCT
american_scientific_journal-689	329	16	finance	finance	NOUN
american_scientific_journal-689	329	17	,	,	PUNCT
american_scientific_journal-689	329	18	and	and	CCONJ
american_scientific_journal-689	329	19	technical	technical	ADJ
american_scientific_journal-689	329	20	)	)	PUNCT
american_scientific_journal-689	329	21	for	for	ADP
american_scientific_journal-689	329	22	internet	internet	NOUN
american_scientific_journal-689	329	23	banking	banking	NOUN
american_scientific_journal-689	329	24	adoption	adoption	NOUN
american_scientific_journal-689	329	25	/	/	SYM
american_scientific_journal-689	329	26	implementation	implementation	NOUN
american_scientific_journal-689	329	27	.	.	PUNCT
american_scientific_journal-689	330	1	1	1	NUM
american_scientific_journal-689	330	2	2	2	NUM
american_scientific_journal-689	330	3	3	3	NUM
american_scientific_journal-689	330	4	4	4	NUM
american_scientific_journal-689	330	5	5	5	NUM
american_scientific_journal-689	330	6	08	08	NUM
american_scientific_journal-689	330	7	there	there	PRON
american_scientific_journal-689	330	8	is	be	VERB
american_scientific_journal-689	330	9	no/	no/	NOUN
american_scientific_journal-689	330	10	lack	lack	NOUN
american_scientific_journal-689	330	11	of	of	ADP
american_scientific_journal-689	330	12	trust	trust	NOUN
american_scientific_journal-689	330	13	of	of	ADP
american_scientific_journal-689	330	14	customers	customer	NOUN
american_scientific_journal-689	330	15	on	on	ADP
american_scientific_journal-689	330	16	internet	internet	NOUN
american_scientific_journal-689	330	17	banking	banking	NOUN
american_scientific_journal-689	330	18	.	.	PUNCT
american_scientific_journal-689	331	1	1	1	NUM
american_scientific_journal-689	331	2	2	2	NUM
american_scientific_journal-689	331	3	3	3	NUM
american_scientific_journal-689	331	4	4	4	NUM
american_scientific_journal-689	331	5	5	5	NUM
american_scientific_journal-689	331	6	09	09	NUM
american_scientific_journal-689	331	7	does	do	AUX
american_scientific_journal-689	331	8	u	u	PRON
american_scientific_journal-689	331	9	think	think	VERB
american_scientific_journal-689	331	10	,	,	PUNCT
american_scientific_journal-689	331	11	banking	banking	NOUN
american_scientific_journal-689	331	12	sectors	sector	NOUN
american_scientific_journal-689	331	13	exist	exist	VERB
american_scientific_journal-689	331	14	a	a	DET
american_scientific_journal-689	331	15	clear	clear	ADJ
american_scientific_journal-689	331	16	vision	vision	NOUN
american_scientific_journal-689	331	17	on	on	ADP
american_scientific_journal-689	331	18	such	such	ADJ
american_scientific_journal-689	331	19	as	as	ADP
american_scientific_journal-689	331	20	internet	internet	NOUN
american_scientific_journal-689	331	21	banking	banking	NOUN
american_scientific_journal-689	331	22	?	?	PUNCT
american_scientific_journal-689	332	1	1	1	NUM
american_scientific_journal-689	332	2	2	2	NUM
american_scientific_journal-689	332	3	3	3	NUM
american_scientific_journal-689	332	4	4	4	NUM
american_scientific_journal-689	332	5	5	5	NUM
american_scientific_journal-689	332	6	10	10	NUM
american_scientific_journal-689	332	7	in	in	ADP
american_scientific_journal-689	332	8	our	our	PRON
american_scientific_journal-689	332	9	bank	bank	NOUN
american_scientific_journal-689	332	10	,	,	PUNCT
american_scientific_journal-689	332	11	strategic	strategic	ADJ
american_scientific_journal-689	332	12	level	level	NOUN
american_scientific_journal-689	332	13	management	management	NOUN
american_scientific_journal-689	332	14	is	be	AUX
american_scientific_journal-689	332	15	willing	willing	ADJ
american_scientific_journal-689	332	16	about	about	ADP
american_scientific_journal-689	332	17	internet	internet	NOUN
american_scientific_journal-689	332	18	banking	banking	NOUN
american_scientific_journal-689	332	19	adoption	adoption	NOUN
american_scientific_journal-689	332	20	and	and	CCONJ
american_scientific_journal-689	332	21	implementation	implementation	NOUN
american_scientific_journal-689	332	22	.	.	PUNCT
american_scientific_journal-689	333	1	1	1	NUM
american_scientific_journal-689	333	2	2	2	NUM
american_scientific_journal-689	333	3	3	3	NUM
american_scientific_journal-689	333	4	4	4	NUM
american_scientific_journal-689	333	5	5	5	NUM
american_scientific_journal-689	333	6	11	11	NUM
american_scientific_journal-689	333	7	we	we	PRON
american_scientific_journal-689	333	8	will	will	AUX
american_scientific_journal-689	333	9	face	face	VERB
american_scientific_journal-689	333	10	difficulty	difficulty	NOUN
american_scientific_journal-689	333	11	in	in	ADP
american_scientific_journal-689	333	12	bringing	bring	VERB
american_scientific_journal-689	333	13	the	the	DET
american_scientific_journal-689	333	14	changes	change	NOUN
american_scientific_journal-689	333	15	in	in	ADP
american_scientific_journal-689	333	16	introducing	introduce	VERB
american_scientific_journal-689	333	17	internet	internet	NOUN
american_scientific_journal-689	333	18	banking	banking	NOUN
american_scientific_journal-689	333	19	.	.	PUNCT
american_scientific_journal-689	334	1	1	1	NUM
american_scientific_journal-689	334	2	2	2	NUM
american_scientific_journal-689	334	3	3	3	NUM
american_scientific_journal-689	334	4	4	4	NUM
american_scientific_journal-689	334	5	5	5	NUM
american_scientific_journal-689	334	6	12	12	NUM
american_scientific_journal-689	334	7	the	the	DET
american_scientific_journal-689	334	8	telecommunication	telecommunication	NOUN
american_scientific_journal-689	334	9	infrastructure	infrastructure	NOUN
american_scientific_journal-689	334	10	of	of	ADP
american_scientific_journal-689	334	11	our	our	PRON
american_scientific_journal-689	334	12	country	country	NOUN
american_scientific_journal-689	334	13	is	be	AUX
american_scientific_journal-689	334	14	competent	competent	ADJ
american_scientific_journal-689	334	15	enough	enough	ADV
american_scientific_journal-689	334	16	and	and	CCONJ
american_scientific_journal-689	334	17	efficient	efficient	ADJ
american_scientific_journal-689	334	18	.	.	PUNCT
american_scientific_journal-689	335	1	1	1	NUM
american_scientific_journal-689	335	2	2	2	NUM
american_scientific_journal-689	335	3	3	3	NUM
american_scientific_journal-689	335	4	4	4	NUM
american_scientific_journal-689	335	5	5	5	NUM
american_scientific_journal-689	335	6	13	13	NUM
american_scientific_journal-689	335	7	in	in	ADP
american_scientific_journal-689	335	8	normal	normal	ADJ
american_scientific_journal-689	335	9	,	,	PUNCT
american_scientific_journal-689	335	10	customers	customer	NOUN
american_scientific_journal-689	335	11	prefer	prefer	VERB
american_scientific_journal-689	335	12	for	for	ADP
american_scientific_journal-689	335	13	conventional	conventional	ADJ
american_scientific_journal-689	335	14	way	way	NOUN
american_scientific_journal-689	335	15	of	of	ADP
american_scientific_journal-689	335	16	working	work	VERB
american_scientific_journal-689	335	17	business	business	NOUN
american_scientific_journal-689	335	18	.	.	PUNCT
american_scientific_journal-689	336	1	1	1	NUM
american_scientific_journal-689	336	2	2	2	NUM
american_scientific_journal-689	336	3	3	3	NUM
american_scientific_journal-689	336	4	4	4	NUM
american_scientific_journal-689	336	5	5	5	NUM
american_scientific_journal-689	336	6	14	14	NUM
american_scientific_journal-689	336	7	there	there	PRON
american_scientific_journal-689	336	8	is	be	VERB
american_scientific_journal-689	336	9	less	less	ADJ
american_scientific_journal-689	336	10	/	/	SYM
american_scientific_journal-689	336	11	lack	lack	NOUN
american_scientific_journal-689	336	12	of	of	ADP
american_scientific_journal-689	336	13	awareness	awareness	NOUN
american_scientific_journal-689	336	14	or	or	CCONJ
american_scientific_journal-689	336	15	it	it	PRON
american_scientific_journal-689	336	16	knowledge	knowledge	NOUN
american_scientific_journal-689	336	17	among	among	ADP
american_scientific_journal-689	336	18	customers	customer	NOUN
american_scientific_journal-689	336	19	.	.	PUNCT
american_scientific_journal-689	337	1	1	1	NUM
american_scientific_journal-689	337	2	2	2	NUM
american_scientific_journal-689	337	3	3	3	NUM
american_scientific_journal-689	337	4	4	4	NUM
american_scientific_journal-689	337	5	5	5	NUM
american_scientific_journal-689	337	6	15	15	NUM
american_scientific_journal-689	337	7	customers	customer	NOUN
american_scientific_journal-689	337	8	feel	feel	VERB
american_scientific_journal-689	337	9	reluctant	reluctant	ADJ
american_scientific_journal-689	337	10	of	of	ADP
american_scientific_journal-689	337	11	doing	do	VERB
american_scientific_journal-689	337	12	electronic	electronic	ADJ
american_scientific_journal-689	337	13	banking	banking	NOUN
american_scientific_journal-689	337	14	transactions	transaction	NOUN
american_scientific_journal-689	337	15	because	because	SCONJ
american_scientific_journal-689	337	16	of	of	ADP
american_scientific_journal-689	337	17	security	security	NOUN
american_scientific_journal-689	337	18	.	.	PUNCT
american_scientific_journal-689	338	1	1	1	NUM
american_scientific_journal-689	338	2	2	2	NUM
american_scientific_journal-689	338	3	3	3	NUM
american_scientific_journal-689	338	4	4	4	NUM
american_scientific_journal-689	338	5	5	5	NUM
american_scientific_journal-689	338	6	84	84	NUM
american_scientific_journal-689	338	7	2	2	NUM
american_scientific_journal-689	338	8	.	.	X
american_scientific_journal-689	338	9	literate	literate	ADJ
american_scientific_journal-689	338	10	review	review	NOUN
american_scientific_journal-689	338	11	3	3	NUM
american_scientific_journal-689	338	12	.	.	X
american_scientific_journal-689	338	13	methodology	methodology	NOUN
american_scientific_journal-689	338	14	4	4	NUM
american_scientific_journal-689	338	15	.	.	PUNCT
american_scientific_journal-689	339	1	limitations	limitation	NOUN
american_scientific_journal-689	339	2	reference	reference	NOUN
american_scientific_journal-689	339	3	appendix	appendix	VERB
american_scientific_journal-689	339	4	a	a	DET
american_scientific_journal-689	339	5	questionnaire	questionnaire	NOUN