id	sid	tid	token	lemma	pos
abrj-228	1	1	127	127	NUM
abrj-228	1	2	©	©	ADP
abrj-228	1	3	2024	2024	NUM
abrj-228	1	4	by	by	ADP
abrj-228	1	5	the	the	DET
abrj-228	1	6	authors	author	NOUN
abrj-228	1	7	;	;	PUNCT
abrj-228	1	8	licensee	licensee	NOUN
abrj-228	1	9	eastern	eastern	ADJ
abrj-228	1	10	centre	centre	NOUN
abrj-228	1	11	of	of	ADP
abrj-228	1	12	science	science	NOUN
abrj-228	1	13	and	and	CCONJ
abrj-228	1	14	education	education	NOUN
abrj-228	1	15	,	,	PUNCT
abrj-228	1	16	usa	usa	PROPN
abrj-228	1	17	asian	asian	PROPN
abrj-228	1	18	business	business	PROPN
abrj-228	1	19	research	research	PROPN
abrj-228	1	20	journal	journal	PROPN
abrj-228	1	21	vol	vol	NOUN
abrj-228	1	22	.	.	PROPN
abrj-228	1	23	9	9	NUM
abrj-228	1	24	,	,	PUNCT
abrj-228	1	25	127	127	NUM
abrj-228	1	26	-	-	SYM
abrj-228	1	27	134	134	NUM
abrj-228	1	28	,	,	PUNCT
abrj-228	1	29	2024	2024	NUM
abrj-228	1	30	issn	issn	X
abrj-228	1	31	:	:	PUNCT
abrj-228	1	32	2576	2576	NUM
abrj-228	1	33	-	-	SYM
abrj-228	1	34	6759	6759	NUM
abrj-228	1	35	doi	doi	NOUN
abrj-228	1	36	:	:	PUNCT
abrj-228	1	37	10.55220/25766759.228	10.55220/25766759.228	NUM
abrj-228	1	38	©	©	PROPN
abrj-228	1	39	2024	2024	NUM
abrj-228	1	40	by	by	ADP
abrj-228	1	41	the	the	DET
abrj-228	1	42	authors	author	NOUN
abrj-228	1	43	;	;	PUNCT
abrj-228	1	44	licensee	licensee	NOUN
abrj-228	1	45	eastern	eastern	ADJ
abrj-228	1	46	centre	centre	NOUN
abrj-228	1	47	of	of	ADP
abrj-228	1	48	science	science	NOUN
abrj-228	1	49	and	and	CCONJ
abrj-228	1	50	education	education	NOUN
abrj-228	1	51	,	,	PUNCT
abrj-228	1	52	usa	usa	PROPN
abrj-228	1	53	a	a	DET
abrj-228	1	54	comprehensive	comprehensive	ADJ
abrj-228	1	55	model	model	NOUN
abrj-228	1	56	for	for	ADP
abrj-228	1	57	measuring	measure	VERB
abrj-228	1	58	customer	customer	NOUN
abrj-228	1	59	satisfaction	satisfaction	NOUN
abrj-228	1	60	of	of	ADP
abrj-228	1	61	e	e	NOUN
abrj-228	1	62	-	-	NOUN
abrj-228	1	63	banking	banking	ADJ
abrj-228	1	64	services	service	NOUN
abrj-228	1	65	in	in	ADP
abrj-228	1	66	bangladesh	bangladesh	PROPN
abrj-228	1	67	md	md	PROPN
abrj-228	1	68	abdul	abdul	PROPN
abrj-228	1	69	bashir1	bashir1	PROPN
abrj-228	2	1			PROPN
abrj-228	2	2	md	md	PROPN
abrj-228	2	3	.	.	PROPN
abrj-228	3	1	golam	golam	PROPN
abrj-228	3	2	morshed2	morshed2	PROPN
abrj-228	3	3	md	md	PROPN
abrj-228	3	4	.	.	PUNCT
abrj-228	4	1	adam	adam	PROPN
abrj-228	4	2	shafiulla3	shafiulla3	PROPN
abrj-228	4	3	pijush	pijush	PROPN
abrj-228	4	4	kumar	kumar	PROPN
abrj-228	4	5	sarkar4	sarkar4	PROPN
abrj-228	4	6	nahida	nahida	PROPN
abrj-228	4	7	ferdous5	ferdous5	PROPN
abrj-228	4	8	1,2,3,4department	1,2,3,4department	NUM
abrj-228	4	9	of	of	ADP
abrj-228	4	10	business	business	NOUN
abrj-228	4	11	administration	administration	PROPN
abrj-228	4	12	,	,	PUNCT
abrj-228	4	13	uttara	uttara	PROPN
abrj-228	4	14	university	university	PROPN
abrj-228	4	15	,	,	PUNCT
abrj-228	4	16	holding	hold	VERB
abrj-228	4	17	77	77	NUM
abrj-228	4	18	,	,	PUNCT
abrj-228	4	19	beribadh	beribadh	NOUN
abrj-228	4	20	road	road	NOUN
abrj-228	4	21	,	,	PUNCT
abrj-228	4	22	turag	turag	NUM
abrj-228	4	23	,	,	PUNCT
abrj-228	4	24	uttara	uttara	PROPN
abrj-228	4	25	,	,	PUNCT
abrj-228	4	26	dhaka	dhaka	PROPN
abrj-228	4	27	1230	1230	NUM
abrj-228	4	28	,	,	PUNCT
abrj-228	4	29	bangladesh	bangladesh	NOUN
abrj-228	4	30	.	.	PUNCT
abrj-228	5	1	e	e	X
abrj-228	5	2	-	-	NOUN
abrj-228	5	3	mail	mail	NOUN
abrj-228	5	4	:	:	PUNCT
abrj-228	6	1	bashirupm@yahoo.com	bashirupm@yahoo.com	PROPN
abrj-228	6	2	5crown	5crown	NUM
abrj-228	6	3	institute	institute	PROPN
abrj-228	6	4	of	of	ADP
abrj-228	6	5	business	business	PROPN
abrj-228	6	6	&	&	CCONJ
abrj-228	6	7	technology	technology	NOUN
abrj-228	6	8	,	,	PUNCT
abrj-228	6	9	road	road	NOUN
abrj-228	6	10	#	#	NOUN
abrj-228	6	11	21	21	NUM
abrj-228	6	12	/	/	SYM
abrj-228	6	13	a	a	PRON
abrj-228	6	14	,	,	PUNCT
abrj-228	6	15	house	house	NOUN
abrj-228	6	16	#	#	NOUN
abrj-228	6	17	05	05	NUM
abrj-228	6	18	,	,	PUNCT
abrj-228	6	19	nekunjo-02	nekunjo-02	PROPN
abrj-228	6	20	,	,	PUNCT
abrj-228	6	21	dhaka	dhaka	PROPN
abrj-228	6	22	1229	1229	NUM
abrj-228	6	23	.	.	PUNCT
abrj-228	7	1	(	(	PUNCT
abrj-228	7	2			PROPN
abrj-228	7	3	corresponding	correspond	VERB
abrj-228	7	4	author	author	NOUN
abrj-228	7	5	)	)	PUNCT
abrj-228	7	6	abstract	abstract	ADP
abrj-228	7	7	the	the	DET
abrj-228	7	8	provision	provision	NOUN
abrj-228	7	9	of	of	ADP
abrj-228	7	10	financial	financial	ADJ
abrj-228	7	11	services	service	NOUN
abrj-228	7	12	via	via	ADP
abrj-228	7	13	electronic	electronic	ADJ
abrj-228	7	14	delivery	delivery	NOUN
abrj-228	7	15	systems	system	NOUN
abrj-228	7	16	is	be	AUX
abrj-228	7	17	commonly	commonly	ADV
abrj-228	7	18	referred	refer	VERB
abrj-228	7	19	to	to	ADP
abrj-228	7	20	as	as	ADP
abrj-228	7	21	electronic	electronic	ADJ
abrj-228	7	22	banking	banking	NOUN
abrj-228	7	23	(	(	PUNCT
abrj-228	7	24	e	e	NOUN
abrj-228	7	25	-	-	NOUN
abrj-228	7	26	banking	banking	NOUN
abrj-228	7	27	)	)	PUNCT
abrj-228	7	28	.	.	PUNCT
abrj-228	8	1	from	from	ADP
abrj-228	8	2	the	the	DET
abrj-228	8	3	very	very	ADJ
abrj-228	8	4	beginning	beginning	NOUN
abrj-228	8	5	,	,	PUNCT
abrj-228	8	6	e	e	X
abrj-228	8	7	-	-	NOUN
abrj-228	8	8	banking	banking	NOUN
abrj-228	8	9	has	have	AUX
abrj-228	8	10	played	play	VERB
abrj-228	8	11	an	an	DET
abrj-228	8	12	important	important	ADJ
abrj-228	8	13	role	role	NOUN
abrj-228	8	14	in	in	ADP
abrj-228	8	15	the	the	DET
abrj-228	8	16	economic	economic	ADJ
abrj-228	8	17	development	development	NOUN
abrj-228	8	18	of	of	ADP
abrj-228	8	19	many	many	ADJ
abrj-228	8	20	countries	country	NOUN
abrj-228	8	21	and	and	CCONJ
abrj-228	8	22	has	have	AUX
abrj-228	8	23	made	make	VERB
abrj-228	8	24	a	a	DET
abrj-228	8	25	significant	significant	ADJ
abrj-228	8	26	contribution	contribution	NOUN
abrj-228	8	27	to	to	ADP
abrj-228	8	28	customer	customer	NOUN
abrj-228	8	29	satisfaction	satisfaction	NOUN
abrj-228	8	30	.	.	PUNCT
abrj-228	9	1	the	the	DET
abrj-228	9	2	aim	aim	NOUN
abrj-228	9	3	of	of	ADP
abrj-228	9	4	this	this	DET
abrj-228	9	5	study	study	NOUN
abrj-228	9	6	is	be	AUX
abrj-228	9	7	to	to	PART
abrj-228	9	8	propose	propose	VERB
abrj-228	9	9	a	a	DET
abrj-228	9	10	comprehensive	comprehensive	ADJ
abrj-228	9	11	model	model	NOUN
abrj-228	9	12	for	for	ADP
abrj-228	9	13	measuring	measure	VERB
abrj-228	9	14	customer	customer	NOUN
abrj-228	9	15	satisfaction	satisfaction	NOUN
abrj-228	9	16	with	with	ADP
abrj-228	9	17	e	e	NOUN
abrj-228	9	18	-	-	ADJ
abrj-228	9	19	banking	banking	ADJ
abrj-228	9	20	services	service	NOUN
abrj-228	9	21	in	in	ADP
abrj-228	9	22	bangladesh	bangladesh	NOUN
abrj-228	9	23	.	.	PUNCT
abrj-228	10	1	the	the	DET
abrj-228	10	2	study	study	NOUN
abrj-228	10	3	is	be	AUX
abrj-228	10	4	based	base	VERB
abrj-228	10	5	on	on	ADP
abrj-228	10	6	selected	select	VERB
abrj-228	10	7	peerreviewed	peerreviewe	VERB
abrj-228	10	8	articles	article	NOUN
abrj-228	10	9	from	from	ADP
abrj-228	10	10	9	9	NUM
abrj-228	10	11	bibliographic	bibliographic	ADJ
abrj-228	10	12	databases	database	NOUN
abrj-228	10	13	.	.	PUNCT
abrj-228	11	1	the	the	DET
abrj-228	11	2	results	result	NOUN
abrj-228	11	3	show	show	VERB
abrj-228	11	4	that	that	SCONJ
abrj-228	11	5	customer	customer	NOUN
abrj-228	11	6	satisfaction	satisfaction	NOUN
abrj-228	11	7	is	be	AUX
abrj-228	11	8	influenced	influence	VERB
abrj-228	11	9	by	by	ADP
abrj-228	11	10	service	service	NOUN
abrj-228	11	11	quality	quality	NOUN
abrj-228	11	12	,	,	PUNCT
abrj-228	11	13	customer	customer	NOUN
abrj-228	11	14	experience	experience	NOUN
abrj-228	11	15	and	and	CCONJ
abrj-228	11	16	customer	customer	NOUN
abrj-228	11	17	satisfaction	satisfaction	NOUN
abrj-228	11	18	.	.	PUNCT
abrj-228	12	1	the	the	DET
abrj-228	12	2	study	study	NOUN
abrj-228	12	3	concludes	conclude	VERB
abrj-228	12	4	that	that	SCONJ
abrj-228	12	5	it	it	PRON
abrj-228	12	6	is	be	AUX
abrj-228	12	7	a	a	DET
abrj-228	12	8	comprehensive	comprehensive	ADJ
abrj-228	12	9	model	model	NOUN
abrj-228	12	10	for	for	ADP
abrj-228	12	11	measuring	measure	VERB
abrj-228	12	12	customer	customer	NOUN
abrj-228	12	13	satisfaction	satisfaction	NOUN
abrj-228	12	14	with	with	ADP
abrj-228	12	15	e	e	NOUN
abrj-228	12	16	-	-	ADJ
abrj-228	12	17	banking	banking	ADJ
abrj-228	12	18	services	service	NOUN
abrj-228	12	19	in	in	ADP
abrj-228	12	20	bangladesh	bangladesh	NOUN
abrj-228	12	21	.	.	PUNCT
abrj-228	13	1	keywords	keyword	NOUN
abrj-228	13	2	:	:	PUNCT
abrj-228	13	3	customer	customer	NOUN
abrj-228	13	4	experience	experience	NOUN
abrj-228	13	5	,	,	PUNCT
abrj-228	13	6	customer	customer	NOUN
abrj-228	13	7	satisfaction	satisfaction	NOUN
abrj-228	13	8	and	and	CCONJ
abrj-228	13	9	bangladesh	bangladesh	NOUN
abrj-228	13	10	,	,	PUNCT
abrj-228	13	11	service	service	NOUN
abrj-228	13	12	quality	quality	NOUN
abrj-228	13	13	.	.	PUNCT
abrj-228	14	1	jel	jel	PROPN
abrj-228	14	2	classification	classification	NOUN
abrj-228	14	3	:	:	PUNCT
abrj-228	14	4	1	1	X
abrj-228	14	5	.	.	X
abrj-228	14	6	introduction	introduction	NOUN
abrj-228	14	7	the	the	DET
abrj-228	14	8	banking	banking	NOUN
abrj-228	14	9	industry	industry	NOUN
abrj-228	14	10	significantly	significantly	ADV
abrj-228	14	11	influences	influence	VERB
abrj-228	14	12	the	the	DET
abrj-228	14	13	development	development	NOUN
abrj-228	14	14	and	and	CCONJ
abrj-228	14	15	prosperity	prosperity	NOUN
abrj-228	14	16	of	of	ADP
abrj-228	14	17	a	a	DET
abrj-228	14	18	nation	nation	NOUN
abrj-228	14	19	's	's	PART
abrj-228	14	20	economy	economy	NOUN
abrj-228	14	21	and	and	CCONJ
abrj-228	14	22	society	society	NOUN
abrj-228	14	23	(	(	PUNCT
abrj-228	14	24	pradnyadewi	pradnyadewi	NOUN
abrj-228	14	25	,	,	PUNCT
abrj-228	14	26	&	&	CCONJ
abrj-228	14	27	giantari	giantari	ADJ
abrj-228	14	28	,	,	PUNCT
abrj-228	14	29	2022	2022	NUM
abrj-228	14	30	;	;	PUNCT
abrj-228	14	31	rajasulochana	rajasulochana	PROPN
abrj-228	14	32	,	,	PUNCT
abrj-228	14	33	&	&	CCONJ
abrj-228	14	34	khizerulla	khizerulla	PROPN
abrj-228	14	35	,	,	PUNCT
abrj-228	14	36	2022	2022	NUM
abrj-228	14	37	)	)	PUNCT
abrj-228	14	38	.	.	PUNCT
abrj-228	15	1	it	it	PRON
abrj-228	15	2	benefits	benefit	VERB
abrj-228	15	3	the	the	DET
abrj-228	15	4	gdp	gdp	NOUN
abrj-228	15	5	and	and	CCONJ
abrj-228	15	6	aids	aid	NOUN
abrj-228	15	7	in	in	ADP
abrj-228	15	8	the	the	DET
abrj-228	15	9	creation	creation	NOUN
abrj-228	15	10	of	of	ADP
abrj-228	15	11	wealth	wealth	NOUN
abrj-228	15	12	.	.	PUNCT
abrj-228	16	1	it	it	PRON
abrj-228	16	2	offers	offer	VERB
abrj-228	16	3	protection	protection	NOUN
abrj-228	16	4	and	and	CCONJ
abrj-228	16	5	safety	safety	NOUN
abrj-228	16	6	and	and	CCONJ
abrj-228	16	7	acts	act	NOUN
abrj-228	16	8	as	as	ADP
abrj-228	16	9	a	a	DET
abrj-228	16	10	source	source	NOUN
abrj-228	16	11	of	of	ADP
abrj-228	16	12	financial	financial	ADJ
abrj-228	16	13	services	service	NOUN
abrj-228	16	14	(	(	PUNCT
abrj-228	16	15	rahman	rahman	PROPN
abrj-228	16	16	et	et	PROPN
abrj-228	16	17	al	al	PROPN
abrj-228	16	18	.	.	PROPN
abrj-228	16	19	,	,	PUNCT
abrj-228	16	20	2017	2017	NUM
abrj-228	16	21	)	)	PUNCT
abrj-228	16	22	.	.	PUNCT
abrj-228	17	1	the	the	DET
abrj-228	17	2	importance	importance	NOUN
abrj-228	17	3	of	of	ADP
abrj-228	17	4	banking	banking	NOUN
abrj-228	17	5	has	have	AUX
abrj-228	17	6	increased	increase	VERB
abrj-228	17	7	due	due	ADJ
abrj-228	17	8	to	to	ADP
abrj-228	17	9	scientific	scientific	ADJ
abrj-228	17	10	and	and	CCONJ
abrj-228	17	11	technological	technological	ADJ
abrj-228	17	12	breakthroughs	breakthrough	NOUN
abrj-228	17	13	.	.	PUNCT
abrj-228	18	1	modern	modern	ADJ
abrj-228	18	2	banking	banking	NOUN
abrj-228	18	3	systems	system	NOUN
abrj-228	18	4	provide	provide	VERB
abrj-228	18	5	clients	client	NOUN
abrj-228	18	6	from	from	ADP
abrj-228	18	7	all	all	DET
abrj-228	18	8	backgrounds	background	NOUN
abrj-228	18	9	with	with	ADP
abrj-228	18	10	better	well	ADJ
abrj-228	18	11	services	service	NOUN
abrj-228	18	12	,	,	PUNCT
abrj-228	18	13	pricing	pricing	NOUN
abrj-228	18	14	,	,	PUNCT
abrj-228	18	15	and	and	CCONJ
abrj-228	18	16	protection	protection	NOUN
abrj-228	18	17	despite	despite	SCONJ
abrj-228	18	18	specific	specific	ADJ
abrj-228	18	19	challenges	challenge	NOUN
abrj-228	18	20	and	and	CCONJ
abrj-228	18	21	possible	possible	ADJ
abrj-228	18	22	threats	threat	NOUN
abrj-228	18	23	(	(	PUNCT
abrj-228	18	24	rahman	rahman	PROPN
abrj-228	18	25	et	et	PROPN
abrj-228	18	26	al	al	PROPN
abrj-228	18	27	.	.	PROPN
abrj-228	18	28	,	,	PUNCT
abrj-228	18	29	2017	2017	NUM
abrj-228	18	30	)	)	PUNCT
abrj-228	18	31	.	.	PUNCT
abrj-228	19	1	the	the	DET
abrj-228	19	2	banking	banking	NOUN
abrj-228	19	3	sector	sector	NOUN
abrj-228	19	4	in	in	ADP
abrj-228	19	5	bangladesh	bangladesh	NOUN
abrj-228	19	6	has	have	AUX
abrj-228	19	7	advanced	advance	VERB
abrj-228	19	8	tremendously	tremendously	ADV
abrj-228	19	9	in	in	ADP
abrj-228	19	10	response	response	NOUN
abrj-228	19	11	to	to	ADP
abrj-228	19	12	the	the	DET
abrj-228	19	13	fast	fast	ADV
abrj-228	19	14	-	-	PUNCT
abrj-228	19	15	evolving	evolve	VERB
abrj-228	19	16	modern	modern	ADJ
abrj-228	19	17	world	world	NOUN
abrj-228	19	18	(	(	PUNCT
abrj-228	19	19	rajasulochana	rajasulochana	PROPN
abrj-228	19	20	,	,	PUNCT
abrj-228	19	21	&	&	CCONJ
abrj-228	19	22	khizerulla	khizerulla	PROPN
abrj-228	19	23	,	,	PUNCT
abrj-228	19	24	2022	2022	NUM
abrj-228	19	25	)	)	PUNCT
abrj-228	19	26	.	.	PUNCT
abrj-228	20	1	the	the	DET
abrj-228	20	2	sector	sector	NOUN
abrj-228	20	3	has	have	AUX
abrj-228	20	4	been	be	AUX
abrj-228	20	5	dedicated	dedicate	VERB
abrj-228	20	6	to	to	ADP
abrj-228	20	7	fostering	foster	VERB
abrj-228	20	8	fairness	fairness	NOUN
abrj-228	20	9	,	,	PUNCT
abrj-228	20	10	social	social	ADJ
abrj-228	20	11	integrity	integrity	NOUN
abrj-228	20	12	,	,	PUNCT
abrj-228	20	13	growth	growth	NOUN
abrj-228	20	14	,	,	PUNCT
abrj-228	20	15	and	and	CCONJ
abrj-228	20	16	development	development	NOUN
abrj-228	20	17	since	since	SCONJ
abrj-228	20	18	its	its	PRON
abrj-228	20	19	creation	creation	NOUN
abrj-228	20	20	in	in	ADP
abrj-228	20	21	1971	1971	NUM
abrj-228	20	22	and	and	CCONJ
abrj-228	20	23	has	have	AUX
abrj-228	20	24	grown	grow	VERB
abrj-228	20	25	to	to	PART
abrj-228	20	26	be	be	AUX
abrj-228	20	27	a	a	DET
abrj-228	20	28	substantial	substantial	ADJ
abrj-228	20	29	contributor	contributor	NOUN
abrj-228	20	30	to	to	ADP
abrj-228	20	31	the	the	DET
abrj-228	20	32	national	national	ADJ
abrj-228	20	33	economy	economy	NOUN
abrj-228	20	34	.	.	PUNCT
abrj-228	21	1	the	the	DET
abrj-228	21	2	market	market	NOUN
abrj-228	21	3	includes	include	VERB
abrj-228	21	4	a	a	DET
abrj-228	21	5	variety	variety	NOUN
abrj-228	21	6	of	of	ADP
abrj-228	21	7	bank	bank	NOUN
abrj-228	21	8	types	type	NOUN
abrj-228	21	9	,	,	PUNCT
abrj-228	21	10	which	which	PRON
abrj-228	21	11	are	be	AUX
abrj-228	21	12	divided	divide	VERB
abrj-228	21	13	into	into	ADP
abrj-228	21	14	four	four	NUM
abrj-228	21	15	categories	category	NOUN
abrj-228	21	16	based	base	VERB
abrj-228	21	17	on	on	ADP
abrj-228	21	18	ownership	ownership	NOUN
abrj-228	21	19	:	:	PUNCT
abrj-228	21	20	state	state	NOUN
abrj-228	21	21	-	-	PUNCT
abrj-228	21	22	owned	own	VERB
abrj-228	21	23	commercial	commercial	ADJ
abrj-228	21	24	banks	bank	NOUN
abrj-228	21	25	(	(	PUNCT
abrj-228	21	26	scbs	scbs	PROPN
abrj-228	21	27	)	)	PUNCT
abrj-228	21	28	,	,	PUNCT
abrj-228	21	29	stateowned	stateowne	VERB
abrj-228	21	30	development	development	NOUN
abrj-228	21	31	financial	financial	ADJ
abrj-228	21	32	institutions	institution	NOUN
abrj-228	21	33	(	(	PUNCT
abrj-228	21	34	dfis	dfis	ADJ
abrj-228	21	35	)	)	PUNCT
abrj-228	21	36	,	,	PUNCT
abrj-228	21	37	private	private	ADJ
abrj-228	21	38	commercial	commercial	ADJ
abrj-228	21	39	banks	bank	NOUN
abrj-228	21	40	(	(	PUNCT
abrj-228	21	41	pcbs	pcbs	PROPN
abrj-228	21	42	)	)	PUNCT
abrj-228	21	43	,	,	PUNCT
abrj-228	21	44	and	and	CCONJ
abrj-228	21	45	international	international	ADJ
abrj-228	21	46	commercial	commercial	ADJ
abrj-228	21	47	banks	bank	NOUN
abrj-228	21	48	(	(	PUNCT
abrj-228	21	49	fcbs	fcbs	PROPN
abrj-228	21	50	)	)	PUNCT
abrj-228	21	51	(	(	PUNCT
abrj-228	21	52	bangladesh	bangladesh	PROPN
abrj-228	21	53	bank	bank	NOUN
abrj-228	21	54	,	,	PUNCT
abrj-228	21	55	2023	2023	NUM
abrj-228	21	56	,	,	PUNCT
abrj-228	21	57	2022	2022	NUM
abrj-228	21	58	,	,	PUNCT
abrj-228	21	59	&	&	CCONJ
abrj-228	21	60	2021	2021	NUM
abrj-228	21	61	)	)	PUNCT
abrj-228	21	62	.	.	PUNCT
abrj-228	22	1	there	there	PRON
abrj-228	22	2	are	be	VERB
abrj-228	22	3	currently	currently	ADV
abrj-228	22	4	61	61	NUM
abrj-228	22	5	scheduled	schedule	VERB
abrj-228	22	6	banks	bank	NOUN
abrj-228	22	7	operating	operate	VERB
abrj-228	22	8	in	in	ADP
abrj-228	22	9	bangladesh	bangladesh	NOUN
abrj-228	22	10	,	,	PUNCT
abrj-228	22	11	which	which	PRON
abrj-228	22	12	include	include	VERB
abrj-228	22	13	six	six	NUM
abrj-228	22	14	state	state	NOUN
abrj-228	22	15	-	-	PUNCT
abrj-228	22	16	owned	own	VERB
abrj-228	22	17	commercial	commercial	ADJ
abrj-228	22	18	banks	bank	NOUN
abrj-228	22	19	(	(	PUNCT
abrj-228	22	20	scbs	scbs	PROPN
abrj-228	22	21	)	)	PUNCT
abrj-228	22	22	,	,	PUNCT
abrj-228	22	23	three	three	NUM
abrj-228	22	24	specialized	specialized	ADJ
abrj-228	22	25	banks	bank	NOUN
abrj-228	22	26	(	(	PUNCT
abrj-228	22	27	sdbs	sdbs	PROPN
abrj-228	22	28	)	)	PUNCT
abrj-228	22	29	,	,	PUNCT
abrj-228	22	30	forty	forty	NUM
abrj-228	22	31	-	-	PUNCT
abrj-228	22	32	three	three	NUM
abrj-228	22	33	private	private	ADJ
abrj-228	22	34	commercial	commercial	ADJ
abrj-228	22	35	banks	bank	NOUN
abrj-228	22	36	(	(	PUNCT
abrj-228	22	37	pcbs	pcbs	PROPN
abrj-228	22	38	)	)	PUNCT
abrj-228	22	39	,	,	PUNCT
abrj-228	22	40	and	and	CCONJ
abrj-228	22	41	nine	nine	NUM
abrj-228	22	42	foreign	foreign	ADJ
abrj-228	22	43	commercial	commercial	ADJ
abrj-228	22	44	banks	bank	NOUN
abrj-228	22	45	(	(	PUNCT
abrj-228	22	46	fcbs	fcbs	PROPN
abrj-228	22	47	)	)	PUNCT
abrj-228	22	48	(	(	PUNCT
abrj-228	22	49	bangladesh	bangladesh	PROPN
abrj-228	22	50	bank	bank	NOUN
abrj-228	22	51	,	,	PUNCT
abrj-228	22	52	2023	2023	NUM
abrj-228	22	53	&	&	CCONJ
abrj-228	22	54	2022	2022	NUM
abrj-228	22	55	)	)	PUNCT
abrj-228	22	56	.	.	PUNCT
abrj-228	23	1	traditional	traditional	ADJ
abrj-228	23	2	and	and	CCONJ
abrj-228	23	3	modern	modern	ADJ
abrj-228	23	4	banks	bank	NOUN
abrj-228	23	5	maintain	maintain	VERB
abrj-228	23	6	their	their	PRON
abrj-228	23	7	existing	exist	VERB
abrj-228	23	8	customers	customer	NOUN
abrj-228	23	9	and	and	CCONJ
abrj-228	23	10	explore	explore	VERB
abrj-228	23	11	new	new	ADJ
abrj-228	23	12	business	business	NOUN
abrj-228	23	13	prospects	prospect	NOUN
abrj-228	23	14	(	(	PUNCT
abrj-228	23	15	rahman	rahman	PROPN
abrj-228	23	16	et	et	PROPN
abrj-228	23	17	al	al	PROPN
abrj-228	23	18	.	.	PROPN
abrj-228	23	19	,	,	PUNCT
abrj-228	23	20	2017	2017	NUM
abrj-228	23	21	)	)	PUNCT
abrj-228	23	22	.	.	PUNCT
abrj-228	24	1	the	the	DET
abrj-228	24	2	development	development	NOUN
abrj-228	24	3	of	of	ADP
abrj-228	24	4	the	the	DET
abrj-228	24	5	financial	financial	ADJ
abrj-228	24	6	services	service	NOUN
abrj-228	24	7	sector	sector	NOUN
abrj-228	24	8	,	,	PUNCT
abrj-228	24	9	particularly	particularly	ADV
abrj-228	24	10	banking	banking	NOUN
abrj-228	24	11	,	,	PUNCT
abrj-228	24	12	is	be	AUX
abrj-228	24	13	heavily	heavily	ADV
abrj-228	24	14	influenced	influence	VERB
abrj-228	24	15	by	by	ADP
abrj-228	24	16	technological	technological	ADJ
abrj-228	24	17	advances	advance	NOUN
abrj-228	24	18	.	.	PUNCT
abrj-228	25	1	while	while	SCONJ
abrj-228	25	2	the	the	DET
abrj-228	25	3	banking	banking	NOUN
abrj-228	25	4	sector	sector	NOUN
abrj-228	25	5	in	in	ADP
abrj-228	25	6	bangladesh	bangladesh	PROPN
abrj-228	25	7	is	be	AUX
abrj-228	25	8	adopting	adopt	VERB
abrj-228	25	9	technology	technology	NOUN
abrj-228	25	10	at	at	ADP
abrj-228	25	11	a	a	DET
abrj-228	25	12	slower	slow	ADJ
abrj-228	25	13	pace	pace	NOUN
abrj-228	25	14	than	than	ADP
abrj-228	25	15	other	other	ADJ
abrj-228	25	16	countries	country	NOUN
abrj-228	25	17	,	,	PUNCT
abrj-228	25	18	it	it	PRON
abrj-228	25	19	has	have	AUX
abrj-228	25	20	been	be	AUX
abrj-228	25	21	making	make	VERB
abrj-228	25	22	progress	progress	NOUN
abrj-228	25	23	(	(	PUNCT
abrj-228	25	24	pradnyadewi	pradnyadewi	NOUN
abrj-228	25	25	,	,	PUNCT
abrj-228	25	26	&	&	CCONJ
abrj-228	25	27	giantari	giantari	ADJ
abrj-228	25	28	,	,	PUNCT
abrj-228	25	29	2022	2022	NUM
abrj-228	25	30	;	;	PUNCT
abrj-228	25	31	rajasulochana	rajasulochana	PROPN
abrj-228	25	32	,	,	PUNCT
abrj-228	25	33	&	&	CCONJ
abrj-228	25	34	khizerulla	khizerulla	PROPN
abrj-228	25	35	,	,	PUNCT
abrj-228	25	36	2022	2022	NUM
abrj-228	25	37	)	)	PUNCT
abrj-228	25	38	.	.	PUNCT
abrj-228	26	1	the	the	DET
abrj-228	26	2	emergence	emergence	NOUN
abrj-228	26	3	of	of	ADP
abrj-228	26	4	private	private	ADJ
abrj-228	26	5	banks	bank	NOUN
abrj-228	26	6	in	in	ADP
abrj-228	26	7	the	the	DET
abrj-228	26	8	mid-1990s	mid-1990	NOUN
abrj-228	26	9	in	in	ADP
abrj-228	26	10	bangladesh	bangladesh	NOUN
abrj-228	26	11	brought	bring	VERB
abrj-228	26	12	about	about	ADP
abrj-228	26	13	significant	significant	ADJ
abrj-228	26	14	changes	change	NOUN
abrj-228	26	15	as	as	SCONJ
abrj-228	26	16	these	these	DET
abrj-228	26	17	banks	bank	NOUN
abrj-228	26	18	had	have	VERB
abrj-228	26	19	a	a	DET
abrj-228	26	20	solid	solid	ADJ
abrj-228	26	21	it	it	PRON
abrj-228	26	22	infrastructure	infrastructure	NOUN
abrj-228	26	23	.	.	PUNCT
abrj-228	27	1	the	the	DET
abrj-228	27	2	key	key	ADJ
abrj-228	27	3	aspect	aspect	NOUN
abrj-228	27	4	of	of	ADP
abrj-228	27	5	a	a	DET
abrj-228	27	6	bank	bank	NOUN
abrj-228	27	7	's	's	PART
abrj-228	27	8	marketing	marketing	NOUN
abrj-228	27	9	strategy	strategy	NOUN
abrj-228	27	10	today	today	NOUN
abrj-228	27	11	is	be	AUX
abrj-228	27	12	the	the	DET
abrj-228	27	13	use	use	NOUN
abrj-228	27	14	of	of	ADP
abrj-228	27	15	technology	technology	NOUN
abrj-228	27	16	to	to	PART
abrj-228	27	17	provide	provide	VERB
abrj-228	27	18	clients	client	NOUN
abrj-228	27	19	with	with	ADP
abrj-228	27	20	channels	channel	NOUN
abrj-228	27	21	to	to	PART
abrj-228	27	22	manage	manage	VERB
abrj-228	27	23	their	their	PRON
abrj-228	27	24	accounts	account	NOUN
abrj-228	27	25	and	and	CCONJ
abrj-228	27	26	communicate	communicate	VERB
abrj-228	27	27	with	with	ADP
abrj-228	27	28	their	their	PRON
abrj-228	27	29	bank	bank	NOUN
abrj-228	27	30	.	.	PUNCT
abrj-228	28	1	the	the	DET
abrj-228	28	2	advancements	advancement	NOUN
abrj-228	28	3	in	in	ADP
abrj-228	28	4	technology	technology	NOUN
abrj-228	28	5	have	have	AUX
abrj-228	28	6	allowed	allow	VERB
abrj-228	28	7	financial	financial	ADJ
abrj-228	28	8	services	service	NOUN
abrj-228	28	9	and	and	CCONJ
abrj-228	28	10	products	product	NOUN
abrj-228	28	11	to	to	PART
abrj-228	28	12	be	be	AUX
abrj-228	28	13	operated	operate	VERB
abrj-228	28	14	and	and	CCONJ
abrj-228	28	15	managed	manage	VERB
abrj-228	28	16	remotely	remotely	ADV
abrj-228	28	17	.	.	PUNCT
abrj-228	29	1	both	both	PRON
abrj-228	29	2	traditional	traditional	ADJ
abrj-228	29	3	financial	financial	ADJ
abrj-228	29	4	service	service	NOUN
abrj-228	29	5	providers	provider	NOUN
abrj-228	29	6	and	and	CCONJ
abrj-228	29	7	newcomers	newcomer	NOUN
abrj-228	29	8	are	be	AUX
abrj-228	29	9	exploring	explore	VERB
abrj-228	29	10	untapped	untapped	ADJ
abrj-228	29	11	potential	potential	NOUN
abrj-228	29	12	in	in	ADP
abrj-228	29	13	the	the	DET
abrj-228	29	14	market	market	NOUN
abrj-228	29	15	(	(	PUNCT
abrj-228	29	16	pradnyadewi	pradnyadewi	NOUN
abrj-228	29	17	,	,	PUNCT
abrj-228	29	18	&	&	CCONJ
abrj-228	29	19	giantari	giantari	ADJ
abrj-228	29	20	,	,	PUNCT
abrj-228	29	21	2022	2022	NUM
abrj-228	29	22	;	;	PUNCT
abrj-228	29	23	rahman	rahman	PROPN
abrj-228	29	24	et	et	PROPN
abrj-228	29	25	al	al	PROPN
abrj-228	29	26	.	.	PROPN
abrj-228	29	27	,	,	PUNCT
abrj-228	29	28	2017	2017	NUM
abrj-228	29	29	)	)	PUNCT
abrj-228	29	30	.	.	PUNCT
abrj-228	30	1	mailto:bashirupm@yahoo.com	mailto:bashirupm@yahoo.com	PROPN
abrj-228	31	1	https://www.doi.org/10.55220/25766759.228	https://www.doi.org/10.55220/25766759.228	PROPN
abrj-228	31	2	asian	asian	PROPN
abrj-228	31	3	business	business	PROPN
abrj-228	31	4	research	research	NOUN
abrj-228	31	5	journal	journal	NOUN
abrj-228	31	6	,	,	PUNCT
abrj-228	31	7	2024	2024	NUM
abrj-228	31	8	,	,	PUNCT
abrj-228	31	9	9	9	NUM
abrj-228	31	10	:	:	SYM
abrj-228	31	11	127	127	NUM
abrj-228	31	12	-	-	SYM
abrj-228	31	13	134	134	NUM
abrj-228	31	14	128	128	NUM
abrj-228	31	15	©	©	ADP
abrj-228	31	16	2024	2024	NUM
abrj-228	31	17	by	by	ADP
abrj-228	31	18	the	the	DET
abrj-228	31	19	authors	author	NOUN
abrj-228	31	20	;	;	PUNCT
abrj-228	31	21	licensee	licensee	NOUN
abrj-228	31	22	eastern	eastern	ADJ
abrj-228	31	23	centre	centre	NOUN
abrj-228	31	24	of	of	ADP
abrj-228	31	25	science	science	NOUN
abrj-228	31	26	and	and	CCONJ
abrj-228	31	27	education	education	NOUN
abrj-228	31	28	,	,	PUNCT
abrj-228	31	29	usa	usa	PROPN
abrj-228	31	30	2	2	NUM
abrj-228	31	31	.	.	PUNCT
abrj-228	31	32	review	review	NOUN
abrj-228	31	33	of	of	ADP
abrj-228	31	34	literature	literature	NOUN
abrj-228	31	35	2.1	2.1	NUM
abrj-228	31	36	.	.	PUNCT
abrj-228	32	1	e	e	X
abrj-228	32	2	-	-	ADJ
abrj-228	32	3	banking	banking	ADJ
abrj-228	32	4	electronic	electronic	ADJ
abrj-228	32	5	banking	banking	NOUN
abrj-228	32	6	encompasses	encompass	VERB
abrj-228	32	7	a	a	DET
abrj-228	32	8	range	range	NOUN
abrj-228	32	9	of	of	ADP
abrj-228	32	10	transactional	transactional	ADJ
abrj-228	32	11	services	service	NOUN
abrj-228	32	12	such	such	ADJ
abrj-228	32	13	as	as	ADP
abrj-228	32	14	telephone	telephone	NOUN
abrj-228	32	15	banking	banking	NOUN
abrj-228	32	16	,	,	PUNCT
abrj-228	32	17	credit	credit	NOUN
abrj-228	32	18	and	and	CCONJ
abrj-228	32	19	debit	debit	NOUN
abrj-228	32	20	card	card	NOUN
abrj-228	32	21	usage	usage	NOUN
abrj-228	32	22	,	,	PUNCT
abrj-228	32	23	and	and	CCONJ
abrj-228	32	24	automated	automate	VERB
abrj-228	32	25	teller	teller	NOUN
abrj-228	32	26	machines	machine	NOUN
abrj-228	32	27	(	(	PUNCT
abrj-228	32	28	atms	atms	PROPN
abrj-228	32	29	)	)	PUNCT
abrj-228	32	30	.	.	PUNCT
abrj-228	33	1	moreover	moreover	ADV
abrj-228	33	2	,	,	PUNCT
abrj-228	33	3	it	it	PRON
abrj-228	33	4	includes	include	VERB
abrj-228	33	5	electronic	electronic	ADJ
abrj-228	33	6	funds	fund	NOUN
abrj-228	33	7	transfer	transfer	NOUN
abrj-228	33	8	(	(	PUNCT
abrj-228	33	9	eft	eft	PROPN
abrj-228	33	10	)	)	PUNCT
abrj-228	33	11	,	,	PUNCT
abrj-228	33	12	directly	directly	ADV
abrj-228	33	13	transferring	transfer	VERB
abrj-228	33	14	funds	fund	NOUN
abrj-228	33	15	from	from	ADP
abrj-228	33	16	one	one	NUM
abrj-228	33	17	account	account	NOUN
abrj-228	33	18	to	to	ADP
abrj-228	33	19	another	another	PRON
abrj-228	33	20	.	.	PUNCT
abrj-228	34	1	in	in	ADP
abrj-228	34	2	contrast	contrast	NOUN
abrj-228	34	3	,	,	PUNCT
abrj-228	34	4	e	e	NOUN
abrj-228	34	5	-	-	NOUN
abrj-228	34	6	banking	banking	NOUN
abrj-228	34	7	is	be	AUX
abrj-228	34	8	a	a	DET
abrj-228	34	9	banking	banking	NOUN
abrj-228	34	10	system	system	NOUN
abrj-228	34	11	where	where	SCONJ
abrj-228	34	12	all	all	DET
abrj-228	34	13	transactions	transaction	NOUN
abrj-228	34	14	are	be	AUX
abrj-228	34	15	conducted	conduct	VERB
abrj-228	34	16	through	through	ADP
abrj-228	34	17	the	the	DET
abrj-228	34	18	internet	internet	NOUN
abrj-228	34	19	,	,	PUNCT
abrj-228	34	20	according	accord	VERB
abrj-228	34	21	to	to	ADP
abrj-228	34	22	carranza	carranza	PROPN
abrj-228	34	23	et	et	PROPN
abrj-228	34	24	al	al	PROPN
abrj-228	34	25	.	.	PROPN
abrj-228	35	1	(	(	PUNCT
abrj-228	35	2	2021	2021	NUM
abrj-228	35	3	)	)	PUNCT
abrj-228	35	4	.	.	PUNCT
abrj-228	36	1	as	as	ADP
abrj-228	36	2	per	per	ADP
abrj-228	36	3	rajasulochana	rajasulochana	NOUN
abrj-228	36	4	and	and	CCONJ
abrj-228	36	5	khizerulla	khizerulla	NOUN
abrj-228	36	6	(	(	PUNCT
abrj-228	36	7	2022	2022	NUM
abrj-228	36	8	)	)	PUNCT
abrj-228	36	9	,	,	PUNCT
abrj-228	36	10	e	e	X
abrj-228	36	11	-	-	NOUN
abrj-228	36	12	banking	banking	NOUN
abrj-228	36	13	is	be	AUX
abrj-228	36	14	a	a	DET
abrj-228	36	15	personal	personal	ADJ
abrj-228	36	16	banking	banking	NOUN
abrj-228	36	17	service	service	NOUN
abrj-228	36	18	available	available	ADJ
abrj-228	36	19	on	on	ADP
abrj-228	36	20	the	the	DET
abrj-228	36	21	internet	internet	NOUN
abrj-228	36	22	and	and	CCONJ
abrj-228	36	23	secured	secure	VERB
abrj-228	36	24	with	with	ADP
abrj-228	36	25	bank	bank	NOUN
abrj-228	36	26	identifiers	identifier	NOUN
abrj-228	36	27	.	.	PUNCT
abrj-228	37	1	it	it	PRON
abrj-228	37	2	can	can	AUX
abrj-228	37	3	be	be	AUX
abrj-228	37	4	accessed	access	VERB
abrj-228	37	5	from	from	ADP
abrj-228	37	6	anywhere	anywhere	ADV
abrj-228	37	7	and	and	CCONJ
abrj-228	37	8	at	at	ADP
abrj-228	37	9	any	any	DET
abrj-228	37	10	time	time	NOUN
abrj-228	37	11	,	,	PUNCT
abrj-228	37	12	allowing	allow	VERB
abrj-228	37	13	for	for	ADP
abrj-228	37	14	easy	easy	ADJ
abrj-228	37	15	and	and	CCONJ
abrj-228	37	16	secure	secure	ADJ
abrj-228	37	17	payment	payment	NOUN
abrj-228	37	18	to	to	ADP
abrj-228	37	19	finnish	finnish	ADJ
abrj-228	37	20	and	and	CCONJ
abrj-228	37	21	foreign	foreign	ADJ
abrj-228	37	22	recipients	recipient	NOUN
abrj-228	37	23	.	.	PUNCT
abrj-228	38	1	e	e	X
abrj-228	38	2	-	-	NOUN
abrj-228	38	3	banking	banking	NOUN
abrj-228	38	4	is	be	AUX
abrj-228	38	5	a	a	DET
abrj-228	38	6	means	means	NOUN
abrj-228	38	7	of	of	ADP
abrj-228	38	8	electronic	electronic	ADJ
abrj-228	38	9	communication	communication	NOUN
abrj-228	38	10	between	between	ADP
abrj-228	38	11	banks	bank	NOUN
abrj-228	38	12	and	and	CCONJ
abrj-228	38	13	customers	customer	NOUN
abrj-228	38	14	,	,	PUNCT
abrj-228	38	15	which	which	PRON
abrj-228	38	16	facilitates	facilitate	VERB
abrj-228	38	17	the	the	DET
abrj-228	38	18	preparation	preparation	NOUN
abrj-228	38	19	,	,	PUNCT
abrj-228	38	20	management	management	NOUN
abrj-228	38	21	,	,	PUNCT
abrj-228	38	22	and	and	CCONJ
abrj-228	38	23	monitoring	monitoring	NOUN
abrj-228	38	24	of	of	ADP
abrj-228	38	25	financial	financial	ADJ
abrj-228	38	26	transactions	transaction	NOUN
abrj-228	38	27	(	(	PUNCT
abrj-228	38	28	pradnyadewi	pradnyadewi	NOUN
abrj-228	38	29	,	,	PUNCT
abrj-228	38	30	&	&	CCONJ
abrj-228	38	31	giantari	giantari	ADJ
abrj-228	38	32	,	,	PUNCT
abrj-228	38	33	2022	2022	NUM
abrj-228	38	34	)	)	PUNCT
abrj-228	38	35	.	.	PUNCT
abrj-228	39	1	e	e	X
abrj-228	39	2	-	-	NOUN
abrj-228	39	3	banking	banking	NOUN
abrj-228	39	4	takes	take	VERB
abrj-228	39	5	several	several	ADJ
abrj-228	39	6	forms	form	NOUN
abrj-228	39	7	,	,	PUNCT
abrj-228	39	8	including	include	VERB
abrj-228	39	9	pc	pc	NOUN
abrj-228	39	10	banking	banking	NOUN
abrj-228	39	11	,	,	PUNCT
abrj-228	39	12	internet	internet	NOUN
abrj-228	39	13	banking	banking	NOUN
abrj-228	39	14	,	,	PUNCT
abrj-228	39	15	telebanking	telebanking	NOUN
abrj-228	39	16	,	,	PUNCT
abrj-228	39	17	and	and	CCONJ
abrj-228	39	18	mobile	mobile	ADJ
abrj-228	39	19	banking	banking	NOUN
abrj-228	39	20	,	,	PUNCT
abrj-228	39	21	as	as	SCONJ
abrj-228	39	22	described	describe	VERB
abrj-228	39	23	by	by	ADP
abrj-228	39	24	munir	munir	PROPN
abrj-228	39	25	and	and	CCONJ
abrj-228	39	26	rahman	rahman	PROPN
abrj-228	39	27	(	(	PUNCT
abrj-228	39	28	2016	2016	NUM
abrj-228	39	29	)	)	PUNCT
abrj-228	39	30	.	.	PUNCT
abrj-228	40	1	based	base	VERB
abrj-228	40	2	on	on	ADP
abrj-228	40	3	the	the	DET
abrj-228	40	4	work	work	NOUN
abrj-228	40	5	of	of	ADP
abrj-228	40	6	nsouli	nsouli	ADJ
abrj-228	40	7	and	and	CCONJ
abrj-228	40	8	schaechter	schaechter	NOUN
abrj-228	40	9	(	(	PUNCT
abrj-228	40	10	2002	2002	NUM
abrj-228	40	11	)	)	PUNCT
abrj-228	40	12	,	,	PUNCT
abrj-228	40	13	the	the	DET
abrj-228	40	14	relationship	relationship	NOUN
abrj-228	40	15	between	between	ADP
abrj-228	40	16	e	e	NOUN
abrj-228	40	17	-	-	NOUN
abrj-228	40	18	commerce	commerce	NOUN
abrj-228	40	19	and	and	CCONJ
abrj-228	40	20	e	e	NOUN
abrj-228	40	21	-	-	NOUN
abrj-228	40	22	banking	banking	NOUN
abrj-228	40	23	is	be	AUX
abrj-228	40	24	illustrated	illustrate	VERB
abrj-228	40	25	in	in	ADP
abrj-228	40	26	figure	figure	NOUN
abrj-228	40	27	1	1	NUM
abrj-228	40	28	's	's	PART
abrj-228	40	29	flow	flow	NOUN
abrj-228	40	30	chart	chart	NOUN
abrj-228	40	31	.	.	PUNCT
abrj-228	41	1	figure	figure	VERB
abrj-228	41	2	1	1	NUM
abrj-228	41	3	.	.	X
abrj-228	41	4	2.2	2.2	NUM
abrj-228	41	5	.	.	PUNCT
abrj-228	42	1	automated	automate	VERB
abrj-228	42	2	teller	teller	NOUN
abrj-228	42	3	machines	machine	NOUN
abrj-228	42	4	(	(	PUNCT
abrj-228	42	5	atms	atms	PROPN
abrj-228	42	6	)	)	PUNCT
abrj-228	42	7	an	an	DET
abrj-228	42	8	electronic	electronic	ADJ
abrj-228	42	9	device	device	NOUN
abrj-228	42	10	(	(	PUNCT
abrj-228	42	11	e	e	NOUN
abrj-228	42	12	-	-	NOUN
abrj-228	42	13	device	device	NOUN
abrj-228	42	14	)	)	PUNCT
abrj-228	42	15	is	be	AUX
abrj-228	42	16	an	an	DET
abrj-228	42	17	unattended	unattended	ADJ
abrj-228	42	18	machine	machine	NOUN
abrj-228	42	19	connected	connect	VERB
abrj-228	42	20	to	to	ADP
abrj-228	42	21	a	a	DET
abrj-228	42	22	data	data	NOUN
abrj-228	42	23	system	system	NOUN
abrj-228	42	24	and	and	CCONJ
abrj-228	42	25	placed	place	VERB
abrj-228	42	26	in	in	ADP
abrj-228	42	27	public	public	ADJ
abrj-228	42	28	areas	area	NOUN
abrj-228	42	29	.	.	PUNCT
abrj-228	43	1	it	it	PRON
abrj-228	43	2	is	be	AUX
abrj-228	43	3	similar	similar	ADJ
abrj-228	43	4	to	to	ADP
abrj-228	43	5	an	an	DET
abrj-228	43	6	automated	automate	VERB
abrj-228	43	7	teller	teller	NOUN
abrj-228	43	8	machine	machine	NOUN
abrj-228	43	9	(	(	PUNCT
abrj-228	43	10	atm	atm	NOUN
abrj-228	43	11	)	)	PUNCT
abrj-228	43	12	and	and	CCONJ
abrj-228	43	13	enables	enable	VERB
abrj-228	43	14	bank	bank	NOUN
abrj-228	43	15	customers	customer	NOUN
abrj-228	43	16	to	to	PART
abrj-228	43	17	access	access	VERB
abrj-228	43	18	various	various	ADJ
abrj-228	43	19	financial	financial	ADJ
abrj-228	43	20	services	service	NOUN
abrj-228	43	21	,	,	PUNCT
abrj-228	43	22	such	such	ADJ
abrj-228	43	23	as	as	ADP
abrj-228	43	24	cash	cash	NOUN
abrj-228	43	25	withdrawals	withdrawal	NOUN
abrj-228	43	26	,	,	PUNCT
abrj-228	43	27	without	without	ADP
abrj-228	43	28	the	the	DET
abrj-228	43	29	help	help	NOUN
abrj-228	43	30	of	of	ADP
abrj-228	43	31	human	human	ADJ
abrj-228	43	32	bank	bank	NOUN
abrj-228	43	33	tellers	teller	NOUN
abrj-228	43	34	.	.	PUNCT
abrj-228	44	1	common	common	ADJ
abrj-228	44	2	names	name	NOUN
abrj-228	44	3	for	for	ADP
abrj-228	44	4	this	this	DET
abrj-228	44	5	device	device	NOUN
abrj-228	44	6	include	include	VERB
abrj-228	44	7	"	"	PUNCT
abrj-228	44	8	cash	cash	NOUN
abrj-228	44	9	machines	machine	NOUN
abrj-228	44	10	"	"	PUNCT
abrj-228	44	11	and	and	CCONJ
abrj-228	44	12	"	"	PUNCT
abrj-228	44	13	money	money	NOUN
abrj-228	44	14	machines	machine	NOUN
abrj-228	44	15	.	.	PUNCT
abrj-228	44	16	"	"	PUNCT
abrj-228	45	1	customers	customer	NOUN
abrj-228	45	2	who	who	PRON
abrj-228	45	3	use	use	VERB
abrj-228	45	4	atms	atms	NOUN
abrj-228	45	5	can	can	AUX
abrj-228	45	6	check	check	VERB
abrj-228	45	7	the	the	DET
abrj-228	45	8	balances	balance	NOUN
abrj-228	45	9	in	in	ADP
abrj-228	45	10	their	their	PRON
abrj-228	45	11	accounts	account	NOUN
abrj-228	45	12	,	,	PUNCT
abrj-228	45	13	transfer	transfer	VERB
abrj-228	45	14	money	money	NOUN
abrj-228	45	15	between	between	ADP
abrj-228	45	16	accounts	account	NOUN
abrj-228	45	17	,	,	PUNCT
abrj-228	45	18	deposit	deposit	NOUN
abrj-228	45	19	cash	cash	NOUN
abrj-228	45	20	or	or	CCONJ
abrj-228	45	21	checks	check	NOUN
abrj-228	45	22	,	,	PUNCT
abrj-228	45	23	top	top	VERB
abrj-228	45	24	up	up	ADP
abrj-228	45	25	their	their	PRON
abrj-228	45	26	mobile	mobile	ADJ
abrj-228	45	27	phones	phone	NOUN
abrj-228	45	28	,	,	PUNCT
abrj-228	45	29	and	and	CCONJ
abrj-228	45	30	even	even	ADV
abrj-228	45	31	purchase	purchase	VERB
abrj-228	45	32	postage	postage	NOUN
abrj-228	45	33	stamps	stamp	NOUN
abrj-228	45	34	.	.	PUNCT
abrj-228	46	1	customers	customer	NOUN
abrj-228	46	2	use	use	VERB
abrj-228	46	3	a	a	DET
abrj-228	46	4	plastic	plastic	ADJ
abrj-228	46	5	card	card	NOUN
abrj-228	46	6	with	with	ADP
abrj-228	46	7	a	a	DET
abrj-228	46	8	magnetic	magnetic	ADJ
abrj-228	46	9	stripe	stripe	NOUN
abrj-228	46	10	or	or	CCONJ
abrj-228	46	11	a	a	DET
abrj-228	46	12	smart	smart	ADJ
abrj-228	46	13	card	card	NOUN
abrj-228	46	14	with	with	ADP
abrj-228	46	15	a	a	DET
abrj-228	46	16	chip	chip	NOUN
abrj-228	46	17	containing	contain	VERB
abrj-228	46	18	their	their	PRON
abrj-228	46	19	account	account	NOUN
abrj-228	46	20	number	number	NOUN
abrj-228	46	21	to	to	PART
abrj-228	46	22	access	access	VERB
abrj-228	46	23	an	an	DET
abrj-228	46	24	atm	atm	NOUN
abrj-228	46	25	.	.	PUNCT
abrj-228	47	1	once	once	SCONJ
abrj-228	47	2	the	the	DET
abrj-228	47	3	card	card	NOUN
abrj-228	47	4	is	be	AUX
abrj-228	47	5	inserted	insert	VERB
abrj-228	47	6	,	,	PUNCT
abrj-228	47	7	the	the	DET
abrj-228	47	8	customers	customer	NOUN
abrj-228	47	9	must	must	AUX
abrj-228	47	10	enter	enter	VERB
abrj-228	47	11	a	a	DET
abrj-228	47	12	personal	personal	ADJ
abrj-228	47	13	identification	identification	NOUN
abrj-228	47	14	number	number	NOUN
abrj-228	47	15	(	(	PUNCT
abrj-228	47	16	pin	pin	NOUN
abrj-228	47	17	)	)	PUNCT
abrj-228	47	18	consisting	consist	VERB
abrj-228	47	19	of	of	ADP
abrj-228	47	20	four	four	NUM
abrj-228	47	21	or	or	CCONJ
abrj-228	47	22	more	more	ADJ
abrj-228	47	23	digits	digit	NOUN
abrj-228	47	24	to	to	PART
abrj-228	47	25	confirm	confirm	VERB
abrj-228	47	26	their	their	PRON
abrj-228	47	27	identity	identity	NOUN
abrj-228	47	28	.	.	PUNCT
abrj-228	48	1	if	if	SCONJ
abrj-228	48	2	the	the	DET
abrj-228	48	3	pin	pin	NOUN
abrj-228	48	4	is	be	AUX
abrj-228	48	5	entered	enter	VERB
abrj-228	48	6	incorrectly	incorrectly	ADV
abrj-228	48	7	multiple	multiple	ADJ
abrj-228	48	8	times	time	NOUN
abrj-228	48	9	,	,	PUNCT
abrj-228	48	10	the	the	DET
abrj-228	48	11	atm	atm	NOUN
abrj-228	48	12	may	may	AUX
abrj-228	48	13	retain	retain	VERB
abrj-228	48	14	the	the	DET
abrj-228	48	15	card	card	NOUN
abrj-228	48	16	as	as	ADP
abrj-228	48	17	a	a	DET
abrj-228	48	18	security	security	NOUN
abrj-228	48	19	measure	measure	NOUN
abrj-228	48	20	to	to	PART
abrj-228	48	21	prevent	prevent	VERB
abrj-228	48	22	unauthorized	unauthorized	ADJ
abrj-228	48	23	access	access	NOUN
abrj-228	48	24	to	to	ADP
abrj-228	48	25	the	the	DET
abrj-228	48	26	account	account	NOUN
abrj-228	48	27	.	.	PUNCT
abrj-228	49	1	in	in	ADP
abrj-228	49	2	situations	situation	NOUN
abrj-228	49	3	where	where	SCONJ
abrj-228	49	4	the	the	DET
abrj-228	49	5	atm	atm	NOUN
abrj-228	49	6	owner	owner	NOUN
abrj-228	49	7	is	be	AUX
abrj-228	49	8	not	not	PART
abrj-228	49	9	the	the	DET
abrj-228	49	10	card	card	NOUN
abrj-228	49	11	issuer	issuer	NOUN
abrj-228	49	12	,	,	PUNCT
abrj-228	49	13	captured	capture	VERB
abrj-228	49	14	cards	card	NOUN
abrj-228	49	15	may	may	AUX
abrj-228	49	16	be	be	AUX
abrj-228	49	17	destroyed	destroy	VERB
abrj-228	49	18	due	due	ADP
abrj-228	49	19	to	to	ADP
abrj-228	49	20	difficulties	difficulty	NOUN
abrj-228	49	21	in	in	ADP
abrj-228	49	22	confirming	confirm	VERB
abrj-228	49	23	the	the	DET
abrj-228	49	24	identity	identity	NOUN
abrj-228	49	25	of	of	ADP
abrj-228	49	26	non	non	NOUN
abrj-228	49	27	-	-	NOUN
abrj-228	49	28	customers	customer	NOUN
abrj-228	49	29	.	.	PUNCT
abrj-228	50	1	2.3	2.3	NUM
abrj-228	50	2	.	.	PUNCT
abrj-228	51	1	tele	tele	PROPN
abrj-228	51	2	banking	bank	VERB
abrj-228	51	3	customers	customer	NOUN
abrj-228	51	4	can	can	AUX
abrj-228	51	5	now	now	ADV
abrj-228	51	6	complete	complete	VERB
abrj-228	51	7	banking	banking	NOUN
abrj-228	51	8	-	-	PUNCT
abrj-228	51	9	related	relate	VERB
abrj-228	51	10	tasks	task	NOUN
abrj-228	51	11	like	like	ADP
abrj-228	51	12	financial	financial	ADJ
abrj-228	51	13	transactions	transaction	NOUN
abrj-228	51	14	from	from	ADP
abrj-228	51	15	anywhere	anywhere	ADV
abrj-228	51	16	,	,	PUNCT
abrj-228	51	17	at	at	ADP
abrj-228	51	18	any	any	DET
abrj-228	51	19	time	time	NOUN
abrj-228	51	20	,	,	PUNCT
abrj-228	51	21	thanks	thank	NOUN
abrj-228	51	22	to	to	ADP
abrj-228	51	23	the	the	DET
abrj-228	51	24	introduction	introduction	NOUN
abrj-228	51	25	of	of	ADP
abrj-228	51	26	telebanking	telebanke	VERB
abrj-228	51	27	services	service	NOUN
abrj-228	51	28	on	on	ADP
abrj-228	51	29	the	the	DET
abrj-228	51	30	internet	internet	NOUN
abrj-228	51	31	.	.	PUNCT
abrj-228	52	1	customers	customer	NOUN
abrj-228	52	2	can	can	AUX
abrj-228	52	3	use	use	VERB
abrj-228	52	4	an	an	DET
abrj-228	52	5	interactive	interactive	ADJ
abrj-228	52	6	voice	voice	NOUN
abrj-228	52	7	response	response	NOUN
abrj-228	52	8	(	(	PUNCT
abrj-228	52	9	ivr	ivr	PROPN
abrj-228	52	10	)	)	PUNCT
abrj-228	52	11	system	system	NOUN
abrj-228	52	12	to	to	PART
abrj-228	52	13	access	access	VERB
abrj-228	52	14	their	their	PRON
abrj-228	52	15	accounts	account	NOUN
abrj-228	52	16	by	by	ADP
abrj-228	52	17	calling	call	VERB
abrj-228	52	18	a	a	DET
abrj-228	52	19	provided	provide	VERB
abrj-228	52	20	telebanking	telebanking	NOUN
abrj-228	52	21	number	number	NOUN
abrj-228	52	22	and	and	CCONJ
abrj-228	52	23	selecting	select	VERB
abrj-228	52	24	options	option	NOUN
abrj-228	52	25	from	from	ADP
abrj-228	52	26	a	a	DET
abrj-228	52	27	userfriendly	userfriendly	ADV
abrj-228	52	28	menu	menu	NOUN
abrj-228	52	29	.	.	PUNCT
abrj-228	53	1	most	most	ADJ
abrj-228	53	2	customer	customer	NOUN
abrj-228	53	3	calls	call	NOUN
abrj-228	53	4	are	be	AUX
abrj-228	53	5	successful	successful	ADJ
abrj-228	53	6	when	when	SCONJ
abrj-228	53	7	enough	enough	ADJ
abrj-228	53	8	hunting	hunting	NOUN
abrj-228	53	9	lines	line	NOUN
abrj-228	53	10	are	be	AUX
abrj-228	53	11	available	available	ADJ
abrj-228	53	12	.	.	PUNCT
abrj-228	54	1	2.4	2.4	NUM
abrj-228	54	2	.	.	PUNCT
abrj-228	54	3	smart	smart	ADJ
abrj-228	54	4	card	card	NOUN
abrj-228	54	5	a	a	DET
abrj-228	54	6	smart	smart	ADJ
abrj-228	54	7	card	card	NOUN
abrj-228	54	8	looks	look	VERB
abrj-228	54	9	like	like	ADP
abrj-228	54	10	a	a	DET
abrj-228	54	11	credit	credit	NOUN
abrj-228	54	12	or	or	CCONJ
abrj-228	54	13	debit	debit	NOUN
abrj-228	54	14	card	card	NOUN
abrj-228	54	15	but	but	CCONJ
abrj-228	54	16	has	have	VERB
abrj-228	54	17	an	an	DET
abrj-228	54	18	8	8	NUM
abrj-228	54	19	-	-	PUNCT
abrj-228	54	20	bit	bit	NOUN
abrj-228	54	21	microprocessor	microprocessor	NOUN
abrj-228	54	22	,	,	PUNCT
abrj-228	54	23	which	which	PRON
abrj-228	54	24	replaces	replace	VERB
abrj-228	54	25	the	the	DET
abrj-228	54	26	magnetic	magnetic	ADJ
abrj-228	54	27	stripe	stripe	NOUN
abrj-228	54	28	on	on	ADP
abrj-228	54	29	regular	regular	ADJ
abrj-228	54	30	cards	card	NOUN
abrj-228	54	31	.	.	PUNCT
abrj-228	55	1	the	the	DET
abrj-228	55	2	microprocessor	microprocessor	NOUN
abrj-228	55	3	is	be	AUX
abrj-228	55	4	located	locate	VERB
abrj-228	55	5	under	under	ADP
abrj-228	55	6	a	a	DET
abrj-228	55	7	contact	contact	NOUN
abrj-228	55	8	pad	pad	NOUN
abrj-228	55	9	on	on	ADP
abrj-228	55	10	one	one	NUM
abrj-228	55	11	side	side	NOUN
abrj-228	55	12	of	of	ADP
abrj-228	55	13	the	the	DET
abrj-228	55	14	card	card	NOUN
abrj-228	55	15	and	and	CCONJ
abrj-228	55	16	works	work	VERB
abrj-228	55	17	to	to	PART
abrj-228	55	18	improve	improve	VERB
abrj-228	55	19	the	the	DET
abrj-228	55	20	security	security	NOUN
abrj-228	55	21	of	of	ADP
abrj-228	55	22	the	the	DET
abrj-228	55	23	card	card	NOUN
abrj-228	55	24	.	.	PUNCT
abrj-228	56	1	when	when	SCONJ
abrj-228	56	2	communicating	communicate	VERB
abrj-228	56	3	with	with	ADP
abrj-228	56	4	a	a	DET
abrj-228	56	5	card	card	NOUN
abrj-228	56	6	reader	reader	NOUN
abrj-228	56	7	or	or	CCONJ
abrj-228	56	8	host	host	NOUN
abrj-228	56	9	computer	computer	NOUN
abrj-228	56	10	,	,	PUNCT
abrj-228	56	11	the	the	DET
abrj-228	56	12	microprocessor	microprocessor	NOUN
abrj-228	56	13	acts	act	VERB
abrj-228	56	14	as	as	ADP
abrj-228	56	15	a	a	DET
abrj-228	56	16	gatekeeper	gatekeeper	NOUN
abrj-228	56	17	to	to	ADP
abrj-228	56	18	the	the	DET
abrj-228	56	19	card	card	NOUN
abrj-228	56	20	's	's	PART
abrj-228	56	21	data	datum	NOUN
abrj-228	56	22	.	.	PUNCT
abrj-228	57	1	these	these	DET
abrj-228	57	2	chips	chip	NOUN
abrj-228	57	3	have	have	VERB
abrj-228	57	4	the	the	DET
abrj-228	57	5	ability	ability	NOUN
abrj-228	57	6	to	to	PART
abrj-228	57	7	facilitate	facilitate	VERB
abrj-228	57	8	various	various	ADJ
abrj-228	57	9	types	type	NOUN
abrj-228	57	10	of	of	ADP
abrj-228	57	11	transactions	transaction	NOUN
abrj-228	57	12	,	,	PUNCT
abrj-228	57	13	including	include	VERB
abrj-228	57	14	credit	credit	NOUN
abrj-228	57	15	and	and	CCONJ
abrj-228	57	16	debit	debit	NOUN
abrj-228	57	17	purchases	purchase	NOUN
abrj-228	57	18	,	,	PUNCT
abrj-228	57	19	as	as	ADV
abrj-228	57	20	well	well	ADV
abrj-228	57	21	as	as	ADP
abrj-228	57	22	reloadable	reloadable	ADJ
abrj-228	57	23	stored	store	VERB
abrj-228	57	24	account	account	NOUN
abrj-228	57	25	value	value	NOUN
abrj-228	57	26	purchases	purchase	NOUN
abrj-228	57	27	.	.	PUNCT
abrj-228	58	1	compared	compare	VERB
abrj-228	58	2	to	to	ADP
abrj-228	58	3	magneticstripe	magneticstripe	NOUN
abrj-228	58	4	cards	card	NOUN
abrj-228	58	5	,	,	PUNCT
abrj-228	58	6	smart	smart	ADJ
abrj-228	58	7	cards	card	NOUN
abrj-228	58	8	have	have	VERB
abrj-228	58	9	greater	great	ADJ
abrj-228	58	10	memory	memory	NOUN
abrj-228	58	11	and	and	CCONJ
abrj-228	58	12	processing	processing	NOUN
abrj-228	58	13	capabilities	capability	NOUN
abrj-228	58	14	,	,	PUNCT
abrj-228	58	15	enabling	enable	VERB
abrj-228	58	16	multiple	multiple	ADJ
abrj-228	58	17	applications	application	NOUN
abrj-228	58	18	to	to	PART
abrj-228	58	19	be	be	AUX
abrj-228	58	20	stored	store	VERB
abrj-228	58	21	on	on	ADP
abrj-228	58	22	a	a	DET
abrj-228	58	23	single	single	ADJ
abrj-228	58	24	card	card	NOUN
abrj-228	58	25	.	.	PUNCT
abrj-228	59	1	additionally	additionally	ADV
abrj-228	59	2	,	,	PUNCT
abrj-228	59	3	smart	smart	ADJ
abrj-228	59	4	cards	card	NOUN
abrj-228	59	5	can	can	AUX
abrj-228	59	6	contain	contain	VERB
abrj-228	59	7	identification	identification	NOUN
abrj-228	59	8	information	information	NOUN
abrj-228	59	9	,	,	PUNCT
abrj-228	59	10	reducing	reduce	VERB
abrj-228	59	11	the	the	DET
abrj-228	59	12	need	need	NOUN
abrj-228	59	13	for	for	SCONJ
abrj-228	59	14	individuals	individual	NOUN
abrj-228	59	15	to	to	PART
abrj-228	59	16	carry	carry	VERB
abrj-228	59	17	multiple	multiple	ADJ
abrj-228	59	18	cards	card	NOUN
abrj-228	59	19	in	in	ADP
abrj-228	59	20	their	their	PRON
abrj-228	59	21	wallets	wallet	NOUN
abrj-228	59	22	.	.	PUNCT
abrj-228	60	1	asian	asian	ADJ
abrj-228	60	2	business	business	PROPN
abrj-228	60	3	research	research	NOUN
abrj-228	60	4	journal	journal	NOUN
abrj-228	60	5	,	,	PUNCT
abrj-228	60	6	2024	2024	NUM
abrj-228	60	7	,	,	PUNCT
abrj-228	60	8	9	9	NUM
abrj-228	60	9	:	:	SYM
abrj-228	60	10	127	127	NUM
abrj-228	60	11	-	-	SYM
abrj-228	60	12	134	134	NUM
abrj-228	60	13	129	129	NUM
abrj-228	60	14	©	©	ADP
abrj-228	60	15	2024	2024	NUM
abrj-228	60	16	by	by	ADP
abrj-228	60	17	the	the	DET
abrj-228	60	18	authors	author	NOUN
abrj-228	60	19	;	;	PUNCT
abrj-228	60	20	licensee	licensee	NOUN
abrj-228	60	21	eastern	eastern	ADJ
abrj-228	60	22	centre	centre	NOUN
abrj-228	60	23	of	of	ADP
abrj-228	60	24	science	science	NOUN
abrj-228	60	25	and	and	CCONJ
abrj-228	60	26	education	education	NOUN
abrj-228	60	27	,	,	PUNCT
abrj-228	60	28	usa	usa	PROPN
abrj-228	60	29	2.5	2.5	NUM
abrj-228	60	30	.	.	PUNCT
abrj-228	61	1	credit	credit	NOUN
abrj-228	61	2	card	card	NOUN
abrj-228	61	3	credit	credit	NOUN
abrj-228	61	4	cards	card	NOUN
abrj-228	61	5	offer	offer	VERB
abrj-228	61	6	a	a	DET
abrj-228	61	7	way	way	NOUN
abrj-228	61	8	to	to	PART
abrj-228	61	9	borrow	borrow	VERB
abrj-228	61	10	money	money	NOUN
abrj-228	61	11	to	to	PART
abrj-228	61	12	make	make	VERB
abrj-228	61	13	purchases	purchase	NOUN
abrj-228	61	14	.	.	PUNCT
abrj-228	62	1	unlike	unlike	ADP
abrj-228	62	2	debit	debit	NOUN
abrj-228	62	3	cards	card	NOUN
abrj-228	62	4	,	,	PUNCT
abrj-228	62	5	credit	credit	NOUN
abrj-228	62	6	cards	card	NOUN
abrj-228	62	7	are	be	AUX
abrj-228	62	8	not	not	PART
abrj-228	62	9	connected	connect	VERB
abrj-228	62	10	to	to	ADP
abrj-228	62	11	the	the	DET
abrj-228	62	12	user	user	NOUN
abrj-228	62	13	's	's	PART
abrj-228	62	14	bank	bank	NOUN
abrj-228	62	15	account	account	NOUN
abrj-228	62	16	.	.	PUNCT
abrj-228	63	1	the	the	DET
abrj-228	63	2	capacity	capacity	NOUN
abrj-228	63	3	to	to	PART
abrj-228	63	4	pay	pay	VERB
abrj-228	63	5	for	for	ADP
abrj-228	63	6	the	the	DET
abrj-228	63	7	purchases	purchase	NOUN
abrj-228	63	8	later	later	ADV
abrj-228	63	9	enables	enable	VERB
abrj-228	63	10	the	the	DET
abrj-228	63	11	cardholder	cardholder	NOUN
abrj-228	63	12	to	to	PART
abrj-228	63	13	make	make	VERB
abrj-228	63	14	purchases	purchase	NOUN
abrj-228	63	15	on	on	ADP
abrj-228	63	16	credit	credit	NOUN
abrj-228	63	17	.	.	PUNCT
abrj-228	64	1	2.6	2.6	NUM
abrj-228	64	2	.	.	PUNCT
abrj-228	64	3	debit	debit	NOUN
abrj-228	64	4	card	card	NOUN
abrj-228	64	5	debit	debit	NOUN
abrj-228	64	6	cards	card	NOUN
abrj-228	64	7	,	,	PUNCT
abrj-228	64	8	sometimes	sometimes	ADV
abrj-228	64	9	called	call	VERB
abrj-228	64	10	check	check	NOUN
abrj-228	64	11	cards	card	NOUN
abrj-228	64	12	,	,	PUNCT
abrj-228	64	13	resemble	resemble	VERB
abrj-228	64	14	atm	atm	NOUN
abrj-228	64	15	or	or	CCONJ
abrj-228	64	16	credit	credit	NOUN
abrj-228	64	17	cards	card	NOUN
abrj-228	64	18	but	but	CCONJ
abrj-228	64	19	work	work	VERB
abrj-228	64	20	like	like	ADP
abrj-228	64	21	cash	cash	NOUN
abrj-228	64	22	or	or	CCONJ
abrj-228	64	23	personal	personal	ADJ
abrj-228	64	24	checks	check	NOUN
abrj-228	64	25	.	.	PUNCT
abrj-228	65	1	unlike	unlike	ADP
abrj-228	65	2	credit	credit	NOUN
abrj-228	65	3	cards	card	NOUN
abrj-228	65	4	that	that	PRON
abrj-228	65	5	allow	allow	VERB
abrj-228	65	6	delayed	delayed	ADJ
abrj-228	65	7	payment	payment	NOUN
abrj-228	65	8	,	,	PUNCT
abrj-228	65	9	debit	debit	NOUN
abrj-228	65	10	cards	card	NOUN
abrj-228	65	11	enable	enable	VERB
abrj-228	65	12	immediate	immediate	ADJ
abrj-228	65	13	payment	payment	NOUN
abrj-228	65	14	by	by	ADP
abrj-228	65	15	deducting	deduct	VERB
abrj-228	65	16	the	the	DET
abrj-228	65	17	money	money	NOUN
abrj-228	65	18	from	from	ADP
abrj-228	65	19	your	your	PRON
abrj-228	65	20	checking	checking	NOUN
abrj-228	65	21	or	or	CCONJ
abrj-228	65	22	savings	saving	NOUN
abrj-228	65	23	account	account	NOUN
abrj-228	65	24	as	as	ADV
abrj-228	65	25	soon	soon	ADV
abrj-228	65	26	as	as	SCONJ
abrj-228	65	27	you	you	PRON
abrj-228	65	28	use	use	VERB
abrj-228	65	29	the	the	DET
abrj-228	65	30	card	card	NOUN
abrj-228	65	31	.	.	PUNCT
abrj-228	66	1	they	they	PRON
abrj-228	66	2	are	be	AUX
abrj-228	66	3	widely	widely	ADV
abrj-228	66	4	accepted	accept	VERB
abrj-228	66	5	at	at	ADP
abrj-228	66	6	retail	retail	ADJ
abrj-228	66	7	stores	store	NOUN
abrj-228	66	8	,	,	PUNCT
abrj-228	66	9	gas	gas	NOUN
abrj-228	66	10	stations	station	NOUN
abrj-228	66	11	,	,	PUNCT
abrj-228	66	12	restaurants	restaurant	NOUN
abrj-228	66	13	,	,	PUNCT
abrj-228	66	14	and	and	CCONJ
abrj-228	66	15	supermarkets	supermarket	NOUN
abrj-228	66	16	where	where	SCONJ
abrj-228	66	17	the	the	DET
abrj-228	66	18	card	card	NOUN
abrj-228	66	19	's	's	PART
abrj-228	66	20	brand	brand	NOUN
abrj-228	66	21	name	name	NOUN
abrj-228	66	22	or	or	CCONJ
abrj-228	66	23	logo	logo	NOUN
abrj-228	66	24	is	be	AUX
abrj-228	66	25	displayed	display	VERB
abrj-228	66	26	.	.	PUNCT
abrj-228	67	1	debit	debit	NOUN
abrj-228	67	2	cards	card	NOUN
abrj-228	67	3	offer	offer	VERB
abrj-228	67	4	a	a	DET
abrj-228	67	5	convenient	convenient	ADJ
abrj-228	67	6	and	and	CCONJ
abrj-228	67	7	cashless	cashless	NOUN
abrj-228	67	8	way	way	NOUN
abrj-228	67	9	to	to	PART
abrj-228	67	10	carry	carry	VERB
abrj-228	67	11	money	money	NOUN
abrj-228	67	12	without	without	ADP
abrj-228	67	13	requiring	require	VERB
abrj-228	67	14	cash	cash	NOUN
abrj-228	67	15	or	or	CCONJ
abrj-228	67	16	a	a	DET
abrj-228	67	17	cheque	cheque	NOUN
abrj-228	67	18	book	book	NOUN
abrj-228	67	19	.	.	PUNCT
abrj-228	68	1	2.7	2.7	NUM
abrj-228	68	2	.	.	X
abrj-228	69	1	e	e	X
abrj-228	69	2	-	-	NOUN
abrj-228	69	3	cheque	cheque	VERB
abrj-228	69	4	an	an	DET
abrj-228	69	5	electronic	electronic	ADJ
abrj-228	69	6	check	check	NOUN
abrj-228	69	7	(	(	PUNCT
abrj-228	69	8	or	or	CCONJ
abrj-228	69	9	"	"	PUNCT
abrj-228	69	10	e	e	NOUN
abrj-228	69	11	-	-	NOUN
abrj-228	69	12	cheque	cheque	NOUN
abrj-228	69	13	"	"	PUNCT
abrj-228	69	14	)	)	PUNCT
abrj-228	69	15	has	have	VERB
abrj-228	69	16	the	the	DET
abrj-228	69	17	same	same	ADJ
abrj-228	69	18	data	datum	NOUN
abrj-228	69	19	and	and	CCONJ
abrj-228	69	20	legal	legal	ADJ
abrj-228	69	21	protections	protection	NOUN
abrj-228	69	22	as	as	ADP
abrj-228	69	23	a	a	DET
abrj-228	69	24	paper	paper	NOUN
abrj-228	69	25	check	check	NOUN
abrj-228	69	26	.	.	PUNCT
abrj-228	70	1	in	in	ADP
abrj-228	70	2	remote	remote	ADJ
abrj-228	70	3	transactions	transaction	NOUN
abrj-228	70	4	,	,	PUNCT
abrj-228	70	5	it	it	PRON
abrj-228	70	6	can	can	AUX
abrj-228	70	7	replace	replace	VERB
abrj-228	70	8	paper	paper	NOUN
abrj-228	70	9	checks	check	NOUN
abrj-228	70	10	.	.	PUNCT
abrj-228	71	1	an	an	DET
abrj-228	71	2	e	e	NOUN
abrj-228	71	3	-	-	NOUN
abrj-228	71	4	cheque	cheque	NOUN
abrj-228	71	5	is	be	AUX
abrj-228	71	6	written	write	VERB
abrj-228	71	7	by	by	ADP
abrj-228	71	8	the	the	DET
abrj-228	71	9	cheque	cheque	NOUN
abrj-228	71	10	writer	writer	NOUN
abrj-228	71	11	using	use	VERB
abrj-228	71	12	an	an	DET
abrj-228	71	13	electronic	electronic	ADJ
abrj-228	71	14	device	device	NOUN
abrj-228	71	15	,	,	PUNCT
abrj-228	71	16	much	much	ADV
abrj-228	71	17	like	like	ADP
abrj-228	71	18	traditional	traditional	ADJ
abrj-228	71	19	cheques	cheque	NOUN
abrj-228	71	20	,	,	PUNCT
abrj-228	71	21	and	and	CCONJ
abrj-228	71	22	is	be	AUX
abrj-228	71	23	then	then	ADV
abrj-228	71	24	electronically	electronically	ADV
abrj-228	71	25	sent	send	VERB
abrj-228	71	26	to	to	ADP
abrj-228	71	27	the	the	DET
abrj-228	71	28	payee	payee	NOUN
abrj-228	71	29	.	.	PUNCT
abrj-228	72	1	when	when	SCONJ
abrj-228	72	2	an	an	DET
abrj-228	72	3	electronic	electronic	ADJ
abrj-228	72	4	cheque	cheque	NOUN
abrj-228	72	5	is	be	AUX
abrj-228	72	6	received	receive	VERB
abrj-228	72	7	,	,	PUNCT
abrj-228	72	8	the	the	DET
abrj-228	72	9	payee	payee	NOUN
abrj-228	72	10	can	can	AUX
abrj-228	72	11	"	"	PUNCT
abrj-228	72	12	deposit	deposit	VERB
abrj-228	72	13	"	"	PUNCT
abrj-228	72	14	it	it	PRON
abrj-228	72	15	to	to	PART
abrj-228	72	16	get	get	VERB
abrj-228	72	17	credit	credit	NOUN
abrj-228	72	18	,	,	PUNCT
abrj-228	72	19	and	and	CCONJ
abrj-228	72	20	the	the	DET
abrj-228	72	21	payee	payee	NOUN
abrj-228	72	22	's	's	PART
abrj-228	72	23	bank	bank	NOUN
abrj-228	72	24	will	will	AUX
abrj-228	72	25	then	then	ADV
abrj-228	72	26	"	"	PUNCT
abrj-228	72	27	clear	clear	ADJ
abrj-228	72	28	"	"	PUNCT
abrj-228	72	29	the	the	DET
abrj-228	72	30	electronic	electronic	ADJ
abrj-228	72	31	cheque	cheque	NOUN
abrj-228	72	32	to	to	ADP
abrj-228	72	33	the	the	DET
abrj-228	72	34	paying	pay	VERB
abrj-228	72	35	bank	bank	NOUN
abrj-228	72	36	.	.	PUNCT
abrj-228	73	1	the	the	DET
abrj-228	73	2	paying	pay	VERB
abrj-228	73	3	bank	bank	NOUN
abrj-228	73	4	will	will	AUX
abrj-228	73	5	then	then	ADV
abrj-228	73	6	confirm	confirm	VERB
abrj-228	73	7	the	the	DET
abrj-228	73	8	e	e	NOUN
abrj-228	73	9	-	-	NOUN
abrj-228	73	10	cheque	cheque	NOUN
abrj-228	73	11	and	and	CCONJ
abrj-228	73	12	take	take	VERB
abrj-228	73	13	the	the	DET
abrj-228	73	14	appropriate	appropriate	ADJ
abrj-228	73	15	amount	amount	NOUN
abrj-228	73	16	from	from	ADP
abrj-228	73	17	the	the	DET
abrj-228	73	18	check	check	NOUN
abrj-228	73	19	writer	writer	NOUN
abrj-228	73	20	's	's	PART
abrj-228	73	21	account	account	NOUN
abrj-228	73	22	.	.	PUNCT
abrj-228	74	1	2.8	2.8	NUM
abrj-228	74	2	.	.	X
abrj-228	74	3	sms	sms	PROPN
abrj-228	74	4	banking	banking	PROPN
abrj-228	74	5	sms	sms	PROPN
abrj-228	74	6	or	or	CCONJ
abrj-228	74	7	short	short	ADJ
abrj-228	74	8	message	message	NOUN
abrj-228	74	9	service	service	NOUN
abrj-228	74	10	refers	refer	VERB
abrj-228	74	11	to	to	ADP
abrj-228	74	12	the	the	DET
abrj-228	74	13	official	official	ADJ
abrj-228	74	14	term	term	NOUN
abrj-228	74	15	for	for	ADP
abrj-228	74	16	text	text	NOUN
abrj-228	74	17	messaging	messaging	NOUN
abrj-228	74	18	.	.	PUNCT
abrj-228	75	1	with	with	ADP
abrj-228	75	2	sms	sms	PROPN
abrj-228	75	3	banking	banking	NOUN
abrj-228	75	4	,	,	PUNCT
abrj-228	75	5	customers	customer	NOUN
abrj-228	75	6	can	can	AUX
abrj-228	75	7	perform	perform	VERB
abrj-228	75	8	basic	basic	ADJ
abrj-228	75	9	banking	banking	NOUN
abrj-228	75	10	transactions	transaction	NOUN
abrj-228	75	11	by	by	ADP
abrj-228	75	12	sending	send	VERB
abrj-228	75	13	and	and	CCONJ
abrj-228	75	14	receiving	receive	VERB
abrj-228	75	15	text	text	NOUN
abrj-228	75	16	messages	message	NOUN
abrj-228	75	17	to	to	ADP
abrj-228	75	18	and	and	CCONJ
abrj-228	75	19	from	from	ADP
abrj-228	75	20	their	their	PRON
abrj-228	75	21	bank	bank	NOUN
abrj-228	75	22	accounts	account	NOUN
abrj-228	75	23	.	.	PUNCT
abrj-228	76	1	2.9	2.9	NUM
abrj-228	76	2	.	.	PUNCT
abrj-228	76	3	point	point	NOUN
abrj-228	76	4	of	of	ADP
abrj-228	76	5	sale	sale	NOUN
abrj-228	77	1	[	[	X
abrj-228	77	2	pos	pos	X
abrj-228	77	3	]	]	X
abrj-228	77	4	the	the	DET
abrj-228	77	5	point	point	NOUN
abrj-228	77	6	of	of	ADP
abrj-228	77	7	sale	sale	NOUN
abrj-228	77	8	(	(	PUNCT
abrj-228	77	9	pos	pos	NOUN
abrj-228	77	10	)	)	PUNCT
abrj-228	77	11	service	service	NOUN
abrj-228	77	12	is	be	AUX
abrj-228	77	13	a	a	DET
abrj-228	77	14	cutting	cut	VERB
abrj-228	77	15	-	-	PUNCT
abrj-228	77	16	edge	edge	NOUN
abrj-228	77	17	electronic	electronic	ADJ
abrj-228	77	18	payment	payment	NOUN
abrj-228	77	19	system	system	NOUN
abrj-228	77	20	that	that	PRON
abrj-228	77	21	enables	enable	VERB
abrj-228	77	22	bank	bank	NOUN
abrj-228	77	23	clients	client	NOUN
abrj-228	77	24	to	to	PART
abrj-228	77	25	pay	pay	VERB
abrj-228	77	26	for	for	ADP
abrj-228	77	27	their	their	PRON
abrj-228	77	28	purchases	purchase	NOUN
abrj-228	77	29	at	at	ADP
abrj-228	77	30	any	any	DET
abrj-228	77	31	retailer	retailer	NOUN
abrj-228	77	32	.	.	PUNCT
abrj-228	78	1	it	it	PRON
abrj-228	78	2	supports	support	VERB
abrj-228	78	3	pos	pos	NOUN
abrj-228	78	4	transactions	transaction	NOUN
abrj-228	78	5	using	use	VERB
abrj-228	78	6	an	an	DET
abrj-228	78	7	atm	atm	NOUN
abrj-228	78	8	or	or	CCONJ
abrj-228	78	9	credit	credit	NOUN
abrj-228	78	10	card	card	NOUN
abrj-228	78	11	.	.	PUNCT
abrj-228	79	1	3	3	X
abrj-228	79	2	.	.	X
abrj-228	79	3	methodology	methodology	NOUN
abrj-228	79	4	of	of	ADP
abrj-228	79	5	the	the	DET
abrj-228	79	6	study	study	NOUN
abrj-228	79	7	this	this	DET
abrj-228	79	8	review	review	NOUN
abrj-228	79	9	investigates	investigate	VERB
abrj-228	79	10	customer	customer	NOUN
abrj-228	79	11	satisfaction	satisfaction	NOUN
abrj-228	79	12	in	in	ADP
abrj-228	79	13	e	e	NOUN
abrj-228	79	14	-	-	NOUN
abrj-228	79	15	banking	banking	NOUN
abrj-228	79	16	from	from	ADP
abrj-228	79	17	a	a	DET
abrj-228	79	18	multidisciplinary	multidisciplinary	ADJ
abrj-228	79	19	perspective	perspective	NOUN
abrj-228	79	20	.	.	PUNCT
abrj-228	80	1	to	to	ADP
abrj-228	80	2	that	that	DET
abrj-228	80	3	end	end	NOUN
abrj-228	80	4	,	,	PUNCT
abrj-228	80	5	we	we	PRON
abrj-228	80	6	chose	choose	VERB
abrj-228	80	7	publications	publication	NOUN
abrj-228	80	8	that	that	PRON
abrj-228	80	9	have	have	AUX
abrj-228	80	10	undergone	undergo	VERB
abrj-228	80	11	peer	peer	NOUN
abrj-228	80	12	review	review	NOUN
abrj-228	80	13	journals	journal	NOUN
abrj-228	80	14	from	from	ADP
abrj-228	80	15	9	9	NUM
abrj-228	80	16	bibliographic	bibliographic	ADJ
abrj-228	80	17	databases	database	NOUN
abrj-228	80	18	(	(	PUNCT
abrj-228	80	19	acm	acm	PROPN
abrj-228	80	20	digital	digital	PROPN
abrj-228	80	21	library	library	NOUN
abrj-228	80	22	,	,	PUNCT
abrj-228	80	23	emerald	emerald	NOUN
abrj-228	80	24	,	,	PUNCT
abrj-228	80	25	ieee	ieee	PROPN
abrj-228	80	26	xplore	xplore	PROPN
abrj-228	80	27	,	,	PUNCT
abrj-228	80	28	sage	sage	NOUN
abrj-228	80	29	journals	journal	NOUN
abrj-228	80	30	online	online	ADV
abrj-228	80	31	,	,	PUNCT
abrj-228	80	32	science	science	NOUN
abrj-228	80	33	direct	direct	ADJ
abrj-228	80	34	,	,	PUNCT
abrj-228	80	35	scopus	scopus	PROPN
abrj-228	80	36	,	,	PUNCT
abrj-228	80	37	taylor	taylor	PROPN
abrj-228	80	38	&	&	CCONJ
abrj-228	80	39	francis	francis	PROPN
abrj-228	80	40	online	online	PROPN
abrj-228	80	41	,	,	PUNCT
abrj-228	80	42	web	web	NOUN
abrj-228	80	43	of	of	ADP
abrj-228	80	44	science	science	NOUN
abrj-228	80	45	,	,	PUNCT
abrj-228	80	46	and	and	CCONJ
abrj-228	80	47	wiley	wiley	PROPN
abrj-228	80	48	online	online	PROPN
abrj-228	80	49	library	library	PROPN
abrj-228	80	50	)	)	PUNCT
abrj-228	80	51	.	.	PUNCT
abrj-228	81	1	peer	peer	NOUN
abrj-228	81	2	-	-	PUNCT
abrj-228	81	3	reviewed	review	VERB
abrj-228	81	4	journals	journal	NOUN
abrj-228	81	5	were	be	AUX
abrj-228	81	6	considered	consider	VERB
abrj-228	81	7	based	base	VERB
abrj-228	81	8	on	on	ADP
abrj-228	81	9	their	their	PRON
abrj-228	81	10	knowledge	knowledge	NOUN
abrj-228	81	11	validity	validity	NOUN
abrj-228	81	12	and	and	CCONJ
abrj-228	81	13	their	their	PRON
abrj-228	81	14	highest	high	ADJ
abrj-228	81	15	impact	impact	NOUN
abrj-228	81	16	on	on	ADP
abrj-228	81	17	the	the	DET
abrj-228	81	18	research	research	NOUN
abrj-228	81	19	field	field	NOUN
abrj-228	81	20	(	(	PUNCT
abrj-228	81	21	deraz	deraz	NOUN
abrj-228	81	22	,	,	PUNCT
abrj-228	81	23	h.	h.	PROPN
abrj-228	81	24	,	,	PUNCT
abrj-228	81	25	&	&	CCONJ
abrj-228	81	26	iddris	iddris	PROPN
abrj-228	81	27	,	,	PUNCT
abrj-228	81	28	f.	f.	PROPN
abrj-228	81	29	2019	2019	NUM
abrj-228	81	30	&	&	CCONJ
abrj-228	81	31	podsakoff	podsakoff	PROPN
abrj-228	81	32	et	et	PROPN
abrj-228	81	33	al	al	PROPN
abrj-228	81	34	.	.	PROPN
abrj-228	81	35	,	,	PUNCT
abrj-228	81	36	2005	2005	NUM
abrj-228	81	37	)	)	PUNCT
abrj-228	81	38	.	.	PUNCT
abrj-228	82	1	an	an	DET
abrj-228	82	2	archival	archival	NOUN
abrj-228	82	3	research	research	NOUN
abrj-228	82	4	design	design	NOUN
abrj-228	82	5	is	be	AUX
abrj-228	82	6	assigned	assign	VERB
abrj-228	82	7	to	to	PART
abrj-228	82	8	get	get	VERB
abrj-228	82	9	information	information	NOUN
abrj-228	82	10	by	by	ADP
abrj-228	82	11	using	use	VERB
abrj-228	82	12	historical	historical	ADJ
abrj-228	82	13	and	and	CCONJ
abrj-228	82	14	non	non	ADJ
abrj-228	82	15	-	-	ADJ
abrj-228	82	16	historical	historical	ADJ
abrj-228	82	17	content	content	NOUN
abrj-228	82	18	(	(	PUNCT
abrj-228	82	19	ventresca	ventresca	PROPN
abrj-228	82	20	&	&	CCONJ
abrj-228	82	21	mohr	mohr	PROPN
abrj-228	82	22	,	,	PUNCT
abrj-228	82	23	2017	2017	NUM
abrj-228	82	24	)	)	PUNCT
abrj-228	82	25	.	.	PUNCT
abrj-228	83	1	the	the	DET
abrj-228	83	2	data	datum	NOUN
abrj-228	83	3	was	be	AUX
abrj-228	83	4	collected	collect	VERB
abrj-228	83	5	from	from	ADP
abrj-228	83	6	journal	journal	ADJ
abrj-228	83	7	articles	article	NOUN
abrj-228	83	8	,	,	PUNCT
abrj-228	83	9	websites	website	NOUN
abrj-228	83	10	,	,	PUNCT
abrj-228	83	11	blogs	blog	NOUN
abrj-228	83	12	,	,	PUNCT
abrj-228	83	13	and	and	CCONJ
abrj-228	83	14	visual	visual	ADJ
abrj-228	83	15	and	and	CCONJ
abrj-228	83	16	numerical	numerical	ADJ
abrj-228	83	17	artifacts	artifact	NOUN
abrj-228	83	18	.	.	PUNCT
abrj-228	84	1	archival	archival	NOUN
abrj-228	84	2	research	research	NOUN
abrj-228	84	3	is	be	AUX
abrj-228	84	4	a	a	DET
abrj-228	84	5	data	data	NOUN
abrj-228	84	6	collection	collection	NOUN
abrj-228	84	7	that	that	PRON
abrj-228	84	8	includes	include	VERB
abrj-228	84	9	acquiring	acquire	VERB
abrj-228	84	10	information	information	NOUN
abrj-228	84	11	from	from	ADP
abrj-228	84	12	previous	previous	ADJ
abrj-228	84	13	sources	source	NOUN
abrj-228	84	14	,	,	PUNCT
abrj-228	84	15	company	company	NOUN
abrj-228	84	16	records	record	NOUN
abrj-228	84	17	,	,	PUNCT
abrj-228	84	18	historical	historical	ADJ
abrj-228	84	19	papers	paper	NOUN
abrj-228	84	20	,	,	PUNCT
abrj-228	84	21	websites	website	NOUN
abrj-228	84	22	,	,	PUNCT
abrj-228	84	23	and	and	CCONJ
abrj-228	84	24	blogs	blog	NOUN
abrj-228	84	25	(	(	PUNCT
abrj-228	84	26	vogt	vogt	PROPN
abrj-228	84	27	,	,	PUNCT
abrj-228	84	28	gardner	gardner	NOUN
abrj-228	84	29	,	,	PUNCT
abrj-228	84	30	&	&	CCONJ
abrj-228	84	31	haeffele	haeffele	PROPN
abrj-228	84	32	,	,	PUNCT
abrj-228	84	33	2012	2012	NUM
abrj-228	84	34	)	)	PUNCT
abrj-228	84	35	.	.	PUNCT
abrj-228	85	1	the	the	DET
abrj-228	85	2	researchers	researcher	NOUN
abrj-228	85	3	use	use	VERB
abrj-228	85	4	an	an	DET
abrj-228	85	5	“	"	PUNCT
abrj-228	85	6	introductory	introductory	ADJ
abrj-228	85	7	literature	literature	PROPN
abrj-228	85	8	review	review	PROPN
abrj-228	85	9	”	"	PUNCT
abrj-228	85	10	to	to	PART
abrj-228	85	11	analyze	analyze	VERB
abrj-228	85	12	and	and	CCONJ
abrj-228	85	13	explain	explain	VERB
abrj-228	85	14	the	the	DET
abrj-228	85	15	collected	collect	VERB
abrj-228	85	16	data	datum	NOUN
abrj-228	85	17	.	.	PUNCT
abrj-228	86	1	metaanalysis	metaanalysis	NOUN
abrj-228	86	2	and	and	CCONJ
abrj-228	86	3	other	other	ADJ
abrj-228	86	4	scientific	scientific	ADJ
abrj-228	86	5	and	and	CCONJ
abrj-228	86	6	systematic	systematic	ADJ
abrj-228	86	7	reviews	review	NOUN
abrj-228	86	8	have	have	AUX
abrj-228	86	9	enriched	enrich	VERB
abrj-228	86	10	the	the	DET
abrj-228	86	11	critics	critic	NOUN
abrj-228	86	12	of	of	ADP
abrj-228	86	13	different	different	ADJ
abrj-228	86	14	kinds	kind	NOUN
abrj-228	86	15	of	of	ADP
abrj-228	86	16	literature	literature	NOUN
abrj-228	86	17	reviews	review	NOUN
abrj-228	86	18	.	.	PUNCT
abrj-228	87	1	a	a	DET
abrj-228	87	2	consequence	consequence	NOUN
abrj-228	87	3	emerged	emerge	VERB
abrj-228	87	4	from	from	ADP
abrj-228	87	5	the	the	DET
abrj-228	87	6	proliferation	proliferation	NOUN
abrj-228	87	7	of	of	ADP
abrj-228	87	8	systematic	systematic	ADJ
abrj-228	87	9	reviews	review	NOUN
abrj-228	87	10	.	.	PUNCT
abrj-228	88	1	the	the	DET
abrj-228	88	2	coordination	coordination	NOUN
abrj-228	88	3	among	among	ADP
abrj-228	88	4	researchers	researcher	NOUN
abrj-228	88	5	increases	increase	VERB
abrj-228	88	6	the	the	DET
abrj-228	88	7	level	level	NOUN
abrj-228	88	8	of	of	ADP
abrj-228	88	9	rigor	rigor	NOUN
abrj-228	88	10	,	,	PUNCT
abrj-228	88	11	reliability	reliability	NOUN
abrj-228	88	12	,	,	PUNCT
abrj-228	88	13	and	and	CCONJ
abrj-228	88	14	objectivity	objectivity	NOUN
abrj-228	88	15	effectively	effectively	ADV
abrj-228	88	16	and	and	CCONJ
abrj-228	88	17	efficiently	efficiently	ADV
abrj-228	88	18	.	.	PUNCT
abrj-228	89	1	an	an	DET
abrj-228	89	2	introductory	introductory	ADJ
abrj-228	89	3	review	review	NOUN
abrj-228	89	4	is	be	AUX
abrj-228	89	5	obtained	obtain	VERB
abrj-228	89	6	from	from	ADP
abrj-228	89	7	a	a	DET
abrj-228	89	8	limited	limited	ADJ
abrj-228	89	9	number	number	NOUN
abrj-228	89	10	of	of	ADP
abrj-228	89	11	published	publish	VERB
abrj-228	89	12	publications	publication	NOUN
abrj-228	89	13	including	include	VERB
abrj-228	89	14	the	the	DET
abrj-228	89	15	subject	subject	ADJ
abrj-228	89	16	matter	matter	NOUN
abrj-228	89	17	under	under	ADP
abrj-228	89	18	investigation	investigation	NOUN
abrj-228	89	19	(	(	PUNCT
abrj-228	89	20	vogt	vogt	PROPN
abrj-228	89	21	et	et	PROPN
abrj-228	89	22	al	al	PROPN
abrj-228	89	23	.	.	PROPN
abrj-228	89	24	,	,	PUNCT
abrj-228	89	25	2012	2012	NUM
abrj-228	89	26	)	)	PUNCT
abrj-228	89	27	.	.	PUNCT
abrj-228	90	1	a	a	DET
abrj-228	90	2	certain	certain	ADJ
abrj-228	90	3	keyword	keyword	NOUN
abrj-228	90	4	is	be	AUX
abrj-228	90	5	assigned	assign	VERB
abrj-228	90	6	to	to	PART
abrj-228	90	7	perform	perform	VERB
abrj-228	90	8	an	an	DET
abrj-228	90	9	integrated	integrate	VERB
abrj-228	90	10	search	search	NOUN
abrj-228	90	11	for	for	ADP
abrj-228	90	12	relevant	relevant	ADJ
abrj-228	90	13	scholarly	scholarly	ADJ
abrj-228	90	14	articles	article	NOUN
abrj-228	90	15	through	through	ADP
abrj-228	90	16	various	various	ADJ
abrj-228	90	17	databases	database	NOUN
abrj-228	90	18	.	.	PUNCT
abrj-228	91	1	the	the	DET
abrj-228	91	2	used	use	VERB
abrj-228	91	3	databases	database	NOUN
abrj-228	91	4	in	in	ADP
abrj-228	91	5	this	this	DET
abrj-228	91	6	research	research	NOUN
abrj-228	91	7	are	be	AUX
abrj-228	91	8	collected	collect	VERB
abrj-228	91	9	from	from	ADP
abrj-228	91	10	scopus	scopus	PROPN
abrj-228	91	11	,	,	PUNCT
abrj-228	91	12	web	web	NOUN
abrj-228	91	13	of	of	ADP
abrj-228	91	14	science	science	NOUN
abrj-228	91	15	,	,	PUNCT
abrj-228	91	16	google	google	PROPN
abrj-228	91	17	scholar	scholar	NOUN
abrj-228	91	18	,	,	PUNCT
abrj-228	91	19	doaj	doaj	NOUN
abrj-228	91	20	,	,	PUNCT
abrj-228	91	21	and	and	CCONJ
abrj-228	91	22	jsror	jsror	NOUN
abrj-228	91	23	,	,	PUNCT
abrj-228	91	24	even	even	ADV
abrj-228	91	25	other	other	ADJ
abrj-228	91	26	relevant	relevant	ADJ
abrj-228	91	27	websites	website	NOUN
abrj-228	91	28	and	and	CCONJ
abrj-228	91	29	online	online	ADJ
abrj-228	91	30	platforms	platform	NOUN
abrj-228	91	31	.	.	PUNCT
abrj-228	92	1	3.1	3.1	NUM
abrj-228	92	2	.	.	PUNCT
abrj-228	92	3	history	history	NOUN
abrj-228	92	4	of	of	ADP
abrj-228	92	5	e	e	NOUN
abrj-228	92	6	-	-	NOUN
abrj-228	92	7	banking	banking	NOUN
abrj-228	92	8	in	in	ADP
abrj-228	92	9	the	the	DET
abrj-228	92	10	world	world	NOUN
abrj-228	92	11	in	in	ADP
abrj-228	92	12	the	the	DET
abrj-228	92	13	1980s	1980s	NUM
abrj-228	92	14	,	,	PUNCT
abrj-228	92	15	internet	internet	NOUN
abrj-228	92	16	banking	banking	NOUN
abrj-228	92	17	emerged	emerge	VERB
abrj-228	92	18	as	as	ADP
abrj-228	92	19	an	an	DET
abrj-228	92	20	extension	extension	NOUN
abrj-228	92	21	of	of	ADP
abrj-228	92	22	telephone	telephone	NOUN
abrj-228	92	23	banking	banking	NOUN
abrj-228	92	24	,	,	PUNCT
abrj-228	92	25	and	and	CCONJ
abrj-228	92	26	with	with	ADP
abrj-228	92	27	the	the	DET
abrj-228	92	28	increasing	increase	VERB
abrj-228	92	29	availability	availability	NOUN
abrj-228	92	30	of	of	ADP
abrj-228	92	31	the	the	DET
abrj-228	92	32	internet	internet	NOUN
abrj-228	92	33	in	in	ADP
abrj-228	92	34	homes	home	NOUN
abrj-228	92	35	,	,	PUNCT
abrj-228	92	36	banking	banking	NOUN
abrj-228	92	37	and	and	CCONJ
abrj-228	92	38	finance	finance	NOUN
abrj-228	92	39	companies	company	NOUN
abrj-228	92	40	in	in	ADP
abrj-228	92	41	europe	europe	PROPN
abrj-228	92	42	and	and	CCONJ
abrj-228	92	43	the	the	DET
abrj-228	92	44	usa	usa	PROPN
abrj-228	92	45	began	begin	VERB
abrj-228	92	46	developing	develop	VERB
abrj-228	92	47	the	the	DET
abrj-228	92	48	concept	concept	NOUN
abrj-228	92	49	of	of	ADP
abrj-228	92	50	"	"	PUNCT
abrj-228	92	51	home	home	NOUN
abrj-228	92	52	banking	banking	NOUN
abrj-228	92	53	.	.	PUNCT
abrj-228	92	54	"	"	PUNCT
abrj-228	93	1	however	however	ADV
abrj-228	93	2	,	,	PUNCT
abrj-228	93	3	due	due	ADP
abrj-228	93	4	to	to	ADP
abrj-228	93	5	the	the	DET
abrj-228	93	6	limited	limited	ADJ
abrj-228	93	7	use	use	NOUN
abrj-228	93	8	of	of	ADP
abrj-228	93	9	computers	computer	NOUN
abrj-228	93	10	and	and	CCONJ
abrj-228	93	11	the	the	DET
abrj-228	93	12	internet	internet	NOUN
abrj-228	93	13	at	at	ADP
abrj-228	93	14	the	the	DET
abrj-228	93	15	time	time	NOUN
abrj-228	93	16	,	,	PUNCT
abrj-228	93	17	telephone	telephone	NOUN
abrj-228	93	18	banking	banking	NOUN
abrj-228	93	19	was	be	AUX
abrj-228	93	20	more	more	ADV
abrj-228	93	21	common	common	ADJ
abrj-228	93	22	.	.	PUNCT
abrj-228	94	1	the	the	DET
abrj-228	94	2	first	first	ADJ
abrj-228	94	3	internet	internet	NOUN
abrj-228	94	4	banking	banking	NOUN
abrj-228	94	5	application	application	NOUN
abrj-228	94	6	was	be	AUX
abrj-228	94	7	launched	launch	VERB
abrj-228	94	8	in	in	ADP
abrj-228	94	9	the	the	DET
abrj-228	94	10	usa	usa	PROPN
abrj-228	94	11	in	in	ADP
abrj-228	94	12	1996	1996	NUM
abrj-228	94	13	,	,	PUNCT
abrj-228	94	14	and	and	CCONJ
abrj-228	94	15	major	major	ADJ
abrj-228	94	16	banks	bank	NOUN
abrj-228	94	17	like	like	ADP
abrj-228	94	18	citibank	citibank	PROPN
abrj-228	94	19	and	and	CCONJ
abrj-228	94	20	wells	wells	PROPN
abrj-228	94	21	fargo	fargo	PROPN
abrj-228	94	22	began	begin	VERB
abrj-228	94	23	offering	offer	VERB
abrj-228	94	24	the	the	DET
abrj-228	94	25	service	service	NOUN
abrj-228	94	26	to	to	ADP
abrj-228	94	27	their	their	PRON
abrj-228	94	28	customers	customer	NOUN
abrj-228	94	29	in	in	ADP
abrj-228	94	30	2001	2001	NUM
abrj-228	94	31	.	.	PUNCT
abrj-228	95	1	in	in	ADP
abrj-228	95	2	singapore	singapore	PROPN
abrj-228	95	3	,	,	PUNCT
abrj-228	95	4	dps	dps	PROPN
abrj-228	95	5	bank	bank	PROPN
abrj-228	95	6	introduced	introduce	VERB
abrj-228	95	7	internet	internet	NOUN
abrj-228	95	8	banking	banking	NOUN
abrj-228	95	9	services	service	NOUN
abrj-228	95	10	in	in	ADP
abrj-228	95	11	1997	1997	NUM
abrj-228	95	12	,	,	PUNCT
abrj-228	95	13	followed	follow	VERB
abrj-228	95	14	by	by	ADP
abrj-228	95	15	uob	uob	NOUN
abrj-228	95	16	and	and	CCONJ
abrj-228	95	17	ocbc	ocbc	NOUN
abrj-228	95	18	.	.	PUNCT
abrj-228	96	1	in	in	ADP
abrj-228	96	2	turkey	turkey	PROPN
abrj-228	96	3	,	,	PUNCT
abrj-228	96	4	internet	internet	NOUN
abrj-228	96	5	banking	banking	NOUN
abrj-228	96	6	started	start	VERB
abrj-228	96	7	to	to	PART
abrj-228	96	8	gain	gain	VERB
abrj-228	96	9	traction	traction	NOUN
abrj-228	96	10	in	in	ADP
abrj-228	96	11	the	the	DET
abrj-228	96	12	1990s	1990s	NUM
abrj-228	96	13	,	,	PUNCT
abrj-228	96	14	spurred	spur	VERB
abrj-228	96	15	by	by	ADP
abrj-228	96	16	technological	technological	ADJ
abrj-228	96	17	advancements	advancement	NOUN
abrj-228	96	18	both	both	CCONJ
abrj-228	96	19	locally	locally	ADV
abrj-228	96	20	and	and	CCONJ
abrj-228	96	21	globally	globally	ADV
abrj-228	96	22	.	.	PUNCT
abrj-228	97	1	3.2	3.2	NUM
abrj-228	97	2	.	.	X
abrj-228	98	1	e	e	X
abrj-228	98	2	-	-	NOUN
abrj-228	98	3	banking	banking	NOUN
abrj-228	98	4	in	in	ADP
abrj-228	98	5	bangladesh	bangladesh	PROPN
abrj-228	98	6	e	e	NOUN
abrj-228	98	7	-	-	ADJ
abrj-228	98	8	banking	banking	ADJ
abrj-228	98	9	services	service	NOUN
abrj-228	98	10	,	,	PUNCT
abrj-228	98	11	on	on	ADP
abrj-228	98	12	the	the	DET
abrj-228	98	13	other	other	ADJ
abrj-228	98	14	hand	hand	NOUN
abrj-228	98	15	,	,	PUNCT
abrj-228	98	16	have	have	AUX
abrj-228	98	17	been	be	AUX
abrj-228	98	18	around	around	ADV
abrj-228	98	19	since	since	SCONJ
abrj-228	98	20	2001	2001	NUM
abrj-228	98	21	in	in	ADP
abrj-228	98	22	bangladesh	bangladesh	PROPN
abrj-228	98	23	(	(	PUNCT
abrj-228	98	24	khan	khan	PROPN
abrj-228	98	25	et	et	PROPN
abrj-228	98	26	al	al	PROPN
abrj-228	98	27	.	.	PROPN
abrj-228	98	28	,	,	PUNCT
abrj-228	98	29	2021	2021	NUM
abrj-228	98	30	;	;	PUNCT
abrj-228	99	1	bashir	bashir	PROPN
abrj-228	99	2	et	et	PROPN
abrj-228	99	3	al	al	PROPN
abrj-228	99	4	.	.	PROPN
abrj-228	99	5	,	,	PUNCT
abrj-228	99	6	(	(	PUNCT
abrj-228	99	7	2020	2020	NUM
abrj-228	99	8	)	)	PUNCT
abrj-228	99	9	;	;	PUNCT
abrj-228	99	10	rahman	rahman	PROPN
abrj-228	99	11	et	et	PROPN
abrj-228	99	12	al	al	PROPN
abrj-228	99	13	.	.	PROPN
abrj-228	99	14	,	,	PUNCT
abrj-228	99	15	2017	2017	NUM
abrj-228	99	16	)	)	PUNCT
abrj-228	99	17	.	.	PUNCT
abrj-228	100	1	electronic	electronic	ADJ
abrj-228	100	2	banking	banking	NOUN
abrj-228	100	3	received	receive	VERB
abrj-228	100	4	incredible	incredible	ADJ
abrj-228	100	5	attention	attention	NOUN
abrj-228	100	6	and	and	CCONJ
abrj-228	100	7	significance	significance	NOUN
abrj-228	100	8	from	from	ADP
abrj-228	100	9	both	both	CCONJ
abrj-228	100	10	the	the	DET
abrj-228	100	11	banking	banking	NOUN
abrj-228	100	12	sector	sector	NOUN
abrj-228	100	13	and	and	CCONJ
abrj-228	100	14	its	its	PRON
abrj-228	100	15	customers	customer	NOUN
abrj-228	100	16	.	.	PUNCT
abrj-228	101	1	in	in	ADP
abrj-228	101	2	developed	develop	VERB
abrj-228	101	3	asian	asian	ADJ
abrj-228	101	4	countries	country	NOUN
abrj-228	101	5	like	like	ADP
abrj-228	101	6	hong	hong	PROPN
abrj-228	101	7	kong	kong	PROPN
abrj-228	101	8	,	,	PUNCT
abrj-228	101	9	japan	japan	PROPN
abrj-228	101	10	,	,	PUNCT
abrj-228	101	11	singapore	singapore	PROPN
abrj-228	101	12	,	,	PUNCT
abrj-228	101	13	south	south	PROPN
abrj-228	101	14	korea	korea	PROPN
abrj-228	101	15	,	,	PUNCT
abrj-228	101	16	and	and	CCONJ
abrj-228	101	17	taiwan	taiwan	PROPN
abrj-228	101	18	,	,	PUNCT
abrj-228	101	19	there	there	PRON
abrj-228	101	20	has	have	AUX
abrj-228	101	21	been	be	AUX
abrj-228	101	22	a	a	DET
abrj-228	101	23	substantial	substantial	ADJ
abrj-228	101	24	increase	increase	NOUN
abrj-228	101	25	of	of	ADP
abrj-228	101	26	penetration	penetration	NOUN
abrj-228	101	27	of	of	ADP
abrj-228	101	28	e	e	NOUN
abrj-228	101	29	-	-	NOUN
abrj-228	101	30	banking	banking	NOUN
abrj-228	101	31	from	from	ADP
abrj-228	101	32	58	58	NUM
abrj-228	101	33	percent	percent	NOUN
abrj-228	101	34	in	in	ADP
abrj-228	101	35	2011	2011	NUM
abrj-228	101	36	to	to	ADP
abrj-228	101	37	92	92	NUM
abrj-228	101	38	percent	percent	NOUN
abrj-228	101	39	in	in	ADP
abrj-228	101	40	2021	2021	NUM
abrj-228	101	41	.	.	PUNCT
abrj-228	102	1	the	the	DET
abrj-228	102	2	number	number	NOUN
abrj-228	102	3	of	of	ADP
abrj-228	102	4	internet	internet	NOUN
abrj-228	102	5	banking	banking	NOUN
abrj-228	102	6	customers	customer	NOUN
abrj-228	102	7	in	in	ADP
abrj-228	102	8	bangladesh	bangladesh	NOUN
abrj-228	102	9	nearly	nearly	ADV
abrj-228	102	10	tripled	triple	VERB
abrj-228	102	11	from	from	ADP
abrj-228	102	12	march	march	PROPN
abrj-228	102	13	2020	2020	NUM
abrj-228	102	14	to	to	ADP
abrj-228	102	15	november	november	PROPN
abrj-228	102	16	2023	2023	NUM
abrj-228	102	17	.	.	PUNCT
abrj-228	103	1	amidst	amidst	ADP
abrj-228	103	2	the	the	DET
abrj-228	103	3	global	global	ADJ
abrj-228	103	4	pandemic	pandemic	NOUN
abrj-228	103	5	in	in	ADP
abrj-228	103	6	march	march	PROPN
abrj-228	103	7	2020	2020	NUM
abrj-228	103	8	,	,	PUNCT
abrj-228	103	9	the	the	DET
abrj-228	103	10	country	country	NOUN
abrj-228	103	11	had	have	VERB
abrj-228	103	12	2.7	2.7	NUM
abrj-228	103	13	million	million	NUM
abrj-228	103	14	internet	internet	NOUN
abrj-228	103	15	banking	banking	NOUN
abrj-228	103	16	customers	customer	NOUN
abrj-228	103	17	,	,	PUNCT
abrj-228	103	18	witnessing	witness	VERB
abrj-228	103	19	a	a	DET
abrj-228	103	20	remarkable	remarkable	ADJ
abrj-228	103	21	203	203	NUM
abrj-228	103	22	%	%	NOUN
abrj-228	103	23	growth	growth	NOUN
abrj-228	103	24	to	to	PART
abrj-228	103	25	reach	reach	VERB
abrj-228	103	26	8.1	8.1	NUM
abrj-228	103	27	million	million	NUM
abrj-228	103	28	by	by	ADP
abrj-228	103	29	november	november	PROPN
abrj-228	103	30	2023	2023	NUM
abrj-228	103	31	.	.	PUNCT
abrj-228	104	1	(	(	PUNCT
abrj-228	104	2	https://shorturl.at/ri8vh	https://shorturl.at/ri8vh	ADV
abrj-228	104	3	,	,	PUNCT
abrj-228	104	4	2024	2024	NUM
abrj-228	104	5	)	)	PUNCT
abrj-228	104	6	according	accord	VERB
abrj-228	104	7	to	to	ADP
abrj-228	104	8	business	business	NOUN
abrj-228	104	9	standard	standard	NOUN
abrj-228	104	10	(	(	PUNCT
abrj-228	104	11	2022	2022	NUM
abrj-228	104	12	)	)	PUNCT
abrj-228	104	13	,	,	PUNCT
abrj-228	104	14	there	there	PRON
abrj-228	104	15	are	be	VERB
abrj-228	104	16	currently	currently	ADV
abrj-228	104	17	112.72	112.72	NUM
abrj-228	104	18	million	million	NUM
abrj-228	104	19	internet	internet	NOUN
abrj-228	104	20	users	user	NOUN
abrj-228	104	21	and	and	CCONJ
abrj-228	104	22	3.38	3.38	NUM
abrj-228	104	23	million	million	NUM
abrj-228	104	24	ebanking	ebanke	VERB
abrj-228	104	25	customers	customer	NOUN
abrj-228	104	26	in	in	ADP
abrj-228	104	27	bangladesh	bangladesh	NOUN
abrj-228	104	28	,	,	PUNCT
abrj-228	104	29	representing	represent	VERB
abrj-228	104	30	2.99	2.99	NUM
abrj-228	104	31	%	%	NOUN
abrj-228	104	32	of	of	ADP
abrj-228	104	33	internet	internet	NOUN
abrj-228	104	34	users	user	NOUN
abrj-228	104	35	in	in	ADP
abrj-228	104	36	the	the	DET
abrj-228	104	37	country	country	NOUN
abrj-228	104	38	.	.	PUNCT
abrj-228	105	1	despite	despite	SCONJ
abrj-228	105	2	e	e	NOUN
abrj-228	105	3	-	-	NOUN
abrj-228	105	4	banking	banking	ADJ
abrj-228	105	5	being	be	AUX
abrj-228	105	6	well	well	ADV
abrj-228	105	7	-	-	PUNCT
abrj-228	105	8	established	establish	VERB
abrj-228	105	9	in	in	ADP
abrj-228	105	10	countries	country	NOUN
abrj-228	105	11	such	such	ADJ
abrj-228	105	12	as	as	ADP
abrj-228	105	13	the	the	DET
abrj-228	105	14	us	us	PROPN
abrj-228	105	15	,	,	PUNCT
abrj-228	105	16	uk	uk	PROPN
abrj-228	105	17	,	,	PUNCT
abrj-228	105	18	and	and	CCONJ
abrj-228	105	19	europe	europe	PROPN
abrj-228	105	20	,	,	PUNCT
abrj-228	105	21	e	e	X
abrj-228	105	22	-	-	NOUN
abrj-228	105	23	banking	banking	NOUN
abrj-228	105	24	is	be	AUX
abrj-228	105	25	still	still	ADV
abrj-228	105	26	in	in	ADP
abrj-228	105	27	its	its	PRON
abrj-228	105	28	early	early	ADJ
abrj-228	105	29	stages	stage	NOUN
abrj-228	105	30	in	in	ADP
abrj-228	105	31	bangladesh	bangladesh	NOUN
abrj-228	105	32	as	as	SCONJ
abrj-228	105	33	indicated	indicate	VERB
abrj-228	105	34	in	in	ADP
abrj-228	105	35	table	table	NOUN
abrj-228	105	36	1.1	1.1	NUM
abrj-228	105	37	.	.	PUNCT
abrj-228	106	1	however	however	ADV
abrj-228	106	2	,	,	PUNCT
abrj-228	106	3	there	there	PRON
abrj-228	106	4	are	be	VERB
abrj-228	106	5	few	few	ADJ
abrj-228	106	6	users	user	NOUN
abrj-228	106	7	who	who	PRON
abrj-228	106	8	take	take	VERB
abrj-228	106	9	advantage	advantage	NOUN
abrj-228	106	10	of	of	ADP
abrj-228	106	11	e	e	NOUN
abrj-228	106	12	-	-	NOUN
abrj-228	106	13	banking	banking	NOUN
abrj-228	106	14	due	due	ADJ
abrj-228	106	15	to	to	ADP
abrj-228	106	16	concerns	concern	NOUN
abrj-228	106	17	about	about	ADP
abrj-228	106	18	personal	personal	ADJ
abrj-228	106	19	account	account	NOUN
abrj-228	106	20	security	security	NOUN
abrj-228	106	21	,	,	PUNCT
abrj-228	106	22	complicated	complicate	VERB
abrj-228	106	23	online	online	ADJ
abrj-228	106	24	banking	banking	NOUN
abrj-228	106	25	websites	website	NOUN
abrj-228	106	26	,	,	PUNCT
abrj-228	106	27	poor	poor	ADJ
abrj-228	106	28	website	website	NOUN
abrj-228	106	29	responsiveness	responsiveness	NOUN
abrj-228	106	30	,	,	PUNCT
abrj-228	106	31	among	among	ADP
abrj-228	106	32	other	other	ADJ
abrj-228	106	33	factors	factor	NOUN
abrj-228	106	34	(	(	PUNCT
abrj-228	106	35	khan	khan	PROPN
abrj-228	106	36	et	et	PROPN
abrj-228	106	37	al	al	PROPN
abrj-228	106	38	.	.	PROPN
abrj-228	106	39	,	,	PUNCT
abrj-228	106	40	2021	2021	NUM
abrj-228	106	41	)	)	PUNCT
abrj-228	106	42	.	.	PUNCT
abrj-228	107	1	therefore	therefore	ADV
abrj-228	107	2	,	,	PUNCT
abrj-228	107	3	there	there	PRON
abrj-228	107	4	is	be	VERB
abrj-228	107	5	a	a	DET
abrj-228	107	6	growth	growth	NOUN
abrj-228	107	7	potential	potential	NOUN
abrj-228	107	8	in	in	ADP
abrj-228	107	9	bangladesh	bangladesh	NOUN
abrj-228	107	10	to	to	PART
abrj-228	107	11	adopt	adopt	VERB
abrj-228	107	12	e	e	NOUN
abrj-228	107	13	-	-	ADJ
abrj-228	107	14	banking	banking	ADJ
abrj-228	107	15	services	service	NOUN
abrj-228	107	16	,	,	PUNCT
abrj-228	107	17	which	which	PRON
abrj-228	107	18	will	will	AUX
abrj-228	107	19	asian	asian	ADJ
abrj-228	107	20	business	business	NOUN
abrj-228	107	21	research	research	NOUN
abrj-228	107	22	journal	journal	NOUN
abrj-228	107	23	,	,	PUNCT
abrj-228	107	24	2024	2024	NUM
abrj-228	107	25	,	,	PUNCT
abrj-228	107	26	9	9	NUM
abrj-228	107	27	:	:	SYM
abrj-228	107	28	127	127	NUM
abrj-228	107	29	-	-	SYM
abrj-228	107	30	134	134	NUM
abrj-228	107	31	130	130	NUM
abrj-228	107	32	©	©	ADP
abrj-228	107	33	2024	2024	NUM
abrj-228	107	34	by	by	ADP
abrj-228	107	35	the	the	DET
abrj-228	107	36	authors	author	NOUN
abrj-228	107	37	;	;	PUNCT
abrj-228	107	38	licensee	licensee	NOUN
abrj-228	107	39	eastern	eastern	ADJ
abrj-228	107	40	centre	centre	NOUN
abrj-228	107	41	of	of	ADP
abrj-228	107	42	science	science	NOUN
abrj-228	107	43	and	and	CCONJ
abrj-228	107	44	education	education	NOUN
abrj-228	107	45	,	,	PUNCT
abrj-228	107	46	usa	usa	PROPN
abrj-228	107	47	make	make	VERB
abrj-228	107	48	transactions	transaction	NOUN
abrj-228	107	49	smoother	smooth	ADJ
abrj-228	107	50	and	and	CCONJ
abrj-228	107	51	easier	easy	ADJ
abrj-228	107	52	for	for	ADP
abrj-228	107	53	clients	client	NOUN
abrj-228	107	54	and	and	CCONJ
abrj-228	107	55	contribute	contribute	VERB
abrj-228	107	56	to	to	ADP
abrj-228	107	57	greater	great	ADJ
abrj-228	107	58	individual	individual	ADJ
abrj-228	107	59	and	and	CCONJ
abrj-228	107	60	collective	collective	ADJ
abrj-228	107	61	economic	economic	ADJ
abrj-228	107	62	transactional	transactional	ADJ
abrj-228	107	63	sustainability	sustainability	NOUN
abrj-228	107	64	.	.	PUNCT
abrj-228	108	1	in	in	ADP
abrj-228	108	2	order	order	NOUN
abrj-228	108	3	to	to	PART
abrj-228	108	4	examine	examine	VERB
abrj-228	108	5	the	the	DET
abrj-228	108	6	acceptance	acceptance	NOUN
abrj-228	108	7	,	,	PUNCT
abrj-228	108	8	usage	usage	NOUN
abrj-228	108	9	,	,	PUNCT
abrj-228	108	10	and	and	CCONJ
abrj-228	108	11	opposition	opposition	NOUN
abrj-228	108	12	of	of	ADP
abrj-228	108	13	e	e	NOUN
abrj-228	108	14	-	-	ADJ
abrj-228	108	15	banking	banking	ADJ
abrj-228	108	16	channels	channel	NOUN
abrj-228	108	17	,	,	PUNCT
abrj-228	108	18	certain	certain	ADJ
abrj-228	108	19	theoretical	theoretical	ADJ
abrj-228	108	20	models	model	NOUN
abrj-228	108	21	are	be	AUX
abrj-228	108	22	considered	consider	VERB
abrj-228	108	23	more	more	ADV
abrj-228	108	24	advantageous	advantageous	ADJ
abrj-228	108	25	.	.	PUNCT
abrj-228	109	1	these	these	DET
abrj-228	109	2	models	model	NOUN
abrj-228	109	3	are	be	AUX
abrj-228	109	4	explained	explain	VERB
abrj-228	109	5	below	below	ADV
abrj-228	109	6	.	.	PUNCT
abrj-228	110	1	3.3	3.3	NUM
abrj-228	110	2	.	.	PUNCT
abrj-228	110	3	diffusion	diffusion	NOUN
abrj-228	110	4	of	of	ADP
abrj-228	110	5	innovations	innovation	NOUN
abrj-228	110	6	(	(	PUNCT
abrj-228	110	7	doi	doi	NOUN
abrj-228	110	8	)	)	PUNCT
abrj-228	110	9	rogers	rogers	PROPN
abrj-228	110	10	's	's	PART
abrj-228	110	11	doi	doi	NOUN
abrj-228	110	12	theory	theory	NOUN
abrj-228	110	13	is	be	AUX
abrj-228	110	14	frequently	frequently	ADV
abrj-228	110	15	utilized	utilize	VERB
abrj-228	110	16	in	in	ADP
abrj-228	110	17	research	research	NOUN
abrj-228	110	18	on	on	ADP
abrj-228	110	19	information	information	NOUN
abrj-228	110	20	systems	system	NOUN
abrj-228	110	21	to	to	PART
abrj-228	110	22	elucidate	elucidate	VERB
abrj-228	110	23	users	user	NOUN
abrj-228	110	24	'	'	PART
abrj-228	110	25	acceptance	acceptance	NOUN
abrj-228	110	26	of	of	ADP
abrj-228	110	27	new	new	ADJ
abrj-228	110	28	technologies	technology	NOUN
abrj-228	110	29	.	.	PUNCT
abrj-228	111	1	doi	doi	PROPN
abrj-228	111	2	proposes	propose	VERB
abrj-228	111	3	that	that	SCONJ
abrj-228	111	4	an	an	DET
abrj-228	111	5	innovation	innovation	NOUN
abrj-228	111	6	's	's	PART
abrj-228	111	7	adoption	adoption	NOUN
abrj-228	111	8	speed	speed	NOUN
abrj-228	111	9	is	be	AUX
abrj-228	111	10	influenced	influence	VERB
abrj-228	111	11	by	by	ADP
abrj-228	111	12	its	its	PRON
abrj-228	111	13	relative	relative	ADJ
abrj-228	111	14	advantages	advantage	NOUN
abrj-228	111	15	,	,	PUNCT
abrj-228	111	16	complexity	complexity	NOUN
abrj-228	111	17	,	,	PUNCT
abrj-228	111	18	compatibility	compatibility	NOUN
abrj-228	111	19	,	,	PUNCT
abrj-228	111	20	trialability	trialability	NOUN
abrj-228	111	21	,	,	PUNCT
abrj-228	111	22	and	and	CCONJ
abrj-228	111	23	observability	observability	NOUN
abrj-228	111	24	(	(	PUNCT
abrj-228	111	25	rogers	roger	NOUN
abrj-228	111	26	,	,	PUNCT
abrj-228	111	27	1995	1995	NUM
abrj-228	111	28	,	,	PUNCT
abrj-228	111	29	2003	2003	NUM
abrj-228	111	30	)	)	PUNCT
abrj-228	111	31	.	.	PUNCT
abrj-228	112	1	the	the	DET
abrj-228	112	2	first	first	ADJ
abrj-228	112	3	four	four	NUM
abrj-228	112	4	factors	factor	NOUN
abrj-228	112	5	are	be	AUX
abrj-228	112	6	usually	usually	ADV
abrj-228	112	7	positively	positively	ADV
abrj-228	112	8	associated	associate	VERB
abrj-228	112	9	with	with	ADP
abrj-228	112	10	adoption	adoption	NOUN
abrj-228	112	11	,	,	PUNCT
abrj-228	112	12	while	while	SCONJ
abrj-228	112	13	complexity	complexity	NOUN
abrj-228	112	14	is	be	AUX
abrj-228	112	15	typically	typically	ADV
abrj-228	112	16	negatively	negatively	ADV
abrj-228	112	17	associated	associate	VERB
abrj-228	112	18	with	with	ADP
abrj-228	112	19	adoption	adoption	NOUN
abrj-228	112	20	.	.	PUNCT
abrj-228	113	1	complexity	complexity	NOUN
abrj-228	113	2	is	be	AUX
abrj-228	113	3	comparable	comparable	ADJ
abrj-228	113	4	to	to	ADP
abrj-228	113	5	the	the	DET
abrj-228	113	6	construct	construct	NOUN
abrj-228	113	7	of	of	ADP
abrj-228	113	8	perceived	perceive	VERB
abrj-228	113	9	ease	ease	NOUN
abrj-228	113	10	of	of	ADP
abrj-228	113	11	use	use	NOUN
abrj-228	113	12	in	in	ADP
abrj-228	113	13	the	the	DET
abrj-228	113	14	technology	technology	NOUN
abrj-228	113	15	acceptance	acceptance	NOUN
abrj-228	113	16	model	model	NOUN
abrj-228	113	17	(	(	PUNCT
abrj-228	113	18	tam	tam	PROPN
abrj-228	113	19	)	)	PUNCT
abrj-228	113	20	and	and	CCONJ
abrj-228	113	21	refers	refer	VERB
abrj-228	113	22	to	to	ADP
abrj-228	113	23	how	how	SCONJ
abrj-228	113	24	challenging	challenge	VERB
abrj-228	113	25	an	an	DET
abrj-228	113	26	innovation	innovation	NOUN
abrj-228	113	27	is	be	AUX
abrj-228	113	28	to	to	PART
abrj-228	113	29	operate	operate	VERB
abrj-228	113	30	and	and	CCONJ
abrj-228	113	31	comprehend	comprehend	VERB
abrj-228	113	32	.	.	PUNCT
abrj-228	114	1	for	for	ADP
abrj-228	114	2	instance	instance	NOUN
abrj-228	114	3	,	,	PUNCT
abrj-228	114	4	in	in	ADP
abrj-228	114	5	the	the	DET
abrj-228	114	6	early	early	ADJ
abrj-228	114	7	1980s	1980s	NUM
abrj-228	114	8	,	,	PUNCT
abrj-228	114	9	the	the	DET
abrj-228	114	10	perceived	perceive	VERB
abrj-228	114	11	complexity	complexity	NOUN
abrj-228	114	12	of	of	ADP
abrj-228	114	13	home	home	NOUN
abrj-228	114	14	computers	computer	NOUN
abrj-228	114	15	was	be	AUX
abrj-228	114	16	a	a	DET
abrj-228	114	17	significant	significant	ADJ
abrj-228	114	18	negative	negative	ADJ
abrj-228	114	19	factor	factor	NOUN
abrj-228	114	20	in	in	ADP
abrj-228	114	21	their	their	PRON
abrj-228	114	22	adoption	adoption	NOUN
abrj-228	114	23	rate	rate	NOUN
abrj-228	114	24	.	.	PUNCT
abrj-228	115	1	eventually	eventually	ADV
abrj-228	115	2	,	,	PUNCT
abrj-228	115	3	home	home	NOUN
abrj-228	115	4	computers	computer	NOUN
abrj-228	115	5	became	become	VERB
abrj-228	115	6	more	more	ADJ
abrj-228	115	7	user	user	NOUN
abrj-228	115	8	-	-	PUNCT
abrj-228	115	9	friendly	friendly	ADJ
abrj-228	115	10	,	,	PUNCT
abrj-228	115	11	and	and	CCONJ
abrj-228	115	12	their	their	PRON
abrj-228	115	13	adoption	adoption	NOUN
abrj-228	115	14	rate	rate	NOUN
abrj-228	115	15	gradually	gradually	ADV
abrj-228	115	16	increased	increase	VERB
abrj-228	115	17	to	to	ADP
abrj-228	115	18	around	around	ADP
abrj-228	115	19	30	30	NUM
abrj-228	115	20	%	%	NOUN
abrj-228	115	21	of	of	ADP
abrj-228	115	22	all	all	DET
abrj-228	115	23	households	household	NOUN
abrj-228	115	24	by	by	ADP
abrj-228	115	25	1994	1994	NUM
abrj-228	115	26	(	(	PUNCT
abrj-228	115	27	rogers	roger	NOUN
abrj-228	115	28	,	,	PUNCT
abrj-228	115	29	1995	1995	NUM
abrj-228	115	30	,	,	PUNCT
abrj-228	115	31	2003	2003	NUM
abrj-228	115	32	)	)	PUNCT
abrj-228	115	33	.	.	PUNCT
abrj-228	116	1	3.4	3.4	NUM
abrj-228	116	2	.	.	PUNCT
abrj-228	116	3	theory	theory	NOUN
abrj-228	116	4	of	of	ADP
abrj-228	116	5	reasoned	reason	VERB
abrj-228	116	6	action	action	NOUN
abrj-228	116	7	(	(	PUNCT
abrj-228	116	8	tra	tra	NOUN
abrj-228	116	9	)	)	PUNCT
abrj-228	116	10	and	and	CCONJ
abrj-228	116	11	theory	theory	NOUN
abrj-228	116	12	of	of	ADP
abrj-228	116	13	planned	plan	VERB
abrj-228	116	14	behavior	behavior	NOUN
abrj-228	116	15	(	(	PUNCT
abrj-228	116	16	tpb	tpb	NOUN
abrj-228	116	17	)	)	PUNCT
abrj-228	116	18	fishbein	fishbein	NOUN
abrj-228	116	19	and	and	CCONJ
abrj-228	116	20	ajzen	ajzen	NOUN
abrj-228	116	21	(	(	PUNCT
abrj-228	116	22	1975	1975	NUM
abrj-228	116	23	)	)	PUNCT
abrj-228	116	24	proposed	propose	VERB
abrj-228	116	25	the	the	DET
abrj-228	116	26	tra	tra	PROPN
abrj-228	116	27	theory	theory	NOUN
abrj-228	116	28	,	,	PUNCT
abrj-228	116	29	which	which	PRON
abrj-228	116	30	suggests	suggest	VERB
abrj-228	116	31	that	that	SCONJ
abrj-228	116	32	an	an	DET
abrj-228	116	33	individual	individual	NOUN
abrj-228	116	34	's	's	PART
abrj-228	116	35	behavior	behavior	NOUN
abrj-228	116	36	can	can	AUX
abrj-228	116	37	be	be	AUX
abrj-228	116	38	predicted	predict	VERB
abrj-228	116	39	based	base	VERB
abrj-228	116	40	on	on	ADP
abrj-228	116	41	their	their	PRON
abrj-228	116	42	attitudes	attitude	NOUN
abrj-228	116	43	towards	towards	ADP
abrj-228	116	44	the	the	DET
abrj-228	116	45	behavior	behavior	NOUN
abrj-228	116	46	and	and	CCONJ
abrj-228	116	47	subjective	subjective	ADJ
abrj-228	116	48	norms	norm	NOUN
abrj-228	116	49	,	,	PUNCT
abrj-228	116	50	which	which	PRON
abrj-228	116	51	are	be	AUX
abrj-228	116	52	influenced	influence	VERB
abrj-228	116	53	by	by	ADP
abrj-228	116	54	behavioral	behavioral	ADJ
abrj-228	116	55	intentions	intention	NOUN
abrj-228	116	56	.	.	PUNCT
abrj-228	117	1	attitude	attitude	NOUN
abrj-228	117	2	towards	towards	ADP
abrj-228	117	3	behavior	behavior	NOUN
abrj-228	117	4	refers	refer	VERB
abrj-228	117	5	to	to	ADP
abrj-228	117	6	an	an	DET
abrj-228	117	7	individual	individual	NOUN
abrj-228	117	8	's	's	PART
abrj-228	117	9	emotions	emotion	NOUN
abrj-228	117	10	related	relate	VERB
abrj-228	117	11	to	to	ADP
abrj-228	117	12	performing	perform	VERB
abrj-228	117	13	a	a	DET
abrj-228	117	14	behavior	behavior	NOUN
abrj-228	117	15	.	.	PUNCT
abrj-228	118	1	in	in	ADP
abrj-228	118	2	contrast	contrast	NOUN
abrj-228	118	3	,	,	PUNCT
abrj-228	118	4	subjective	subjective	ADJ
abrj-228	118	5	norms	norm	NOUN
abrj-228	118	6	refer	refer	VERB
abrj-228	118	7	to	to	ADP
abrj-228	118	8	their	their	PRON
abrj-228	118	9	perception	perception	NOUN
abrj-228	118	10	of	of	ADP
abrj-228	118	11	whether	whether	SCONJ
abrj-228	118	12	they	they	PRON
abrj-228	118	13	should	should	AUX
abrj-228	118	14	perform	perform	VERB
abrj-228	118	15	a	a	DET
abrj-228	118	16	behavior	behavior	NOUN
abrj-228	118	17	based	base	VERB
abrj-228	118	18	on	on	ADP
abrj-228	118	19	others	other	NOUN
abrj-228	118	20	'	'	PART
abrj-228	118	21	opinions	opinion	NOUN
abrj-228	118	22	.	.	PUNCT
abrj-228	119	1	scholars	scholar	NOUN
abrj-228	119	2	commonly	commonly	ADV
abrj-228	119	3	use	use	VERB
abrj-228	119	4	the	the	DET
abrj-228	119	5	tra	tra	NOUN
abrj-228	119	6	to	to	PART
abrj-228	119	7	understand	understand	VERB
abrj-228	119	8	user	user	NOUN
abrj-228	119	9	purposes	purpose	NOUN
abrj-228	119	10	in	in	ADP
abrj-228	119	11	organizing	organize	VERB
abrj-228	119	12	information	information	NOUN
abrj-228	119	13	systems	system	NOUN
abrj-228	119	14	.	.	PUNCT
abrj-228	120	1	ajzen	ajzen	NOUN
abrj-228	120	2	(	(	PUNCT
abrj-228	120	3	1991	1991	NUM
abrj-228	120	4	)	)	PUNCT
abrj-228	120	5	expanded	expand	VERB
abrj-228	120	6	the	the	DET
abrj-228	120	7	tra	tra	PROPN
abrj-228	120	8	theory	theory	NOUN
abrj-228	120	9	to	to	PART
abrj-228	120	10	create	create	VERB
abrj-228	120	11	the	the	DET
abrj-228	120	12	tpb	tpb	NOUN
abrj-228	120	13	,	,	PUNCT
abrj-228	120	14	which	which	PRON
abrj-228	120	15	considers	consider	VERB
abrj-228	120	16	the	the	DET
abrj-228	120	17	perceived	perceive	VERB
abrj-228	120	18	control	control	NOUN
abrj-228	120	19	of	of	ADP
abrj-228	120	20	behavior	behavior	NOUN
abrj-228	120	21	.	.	PUNCT
abrj-228	121	1	if	if	SCONJ
abrj-228	121	2	a	a	DET
abrj-228	121	3	behavior	behavior	NOUN
abrj-228	121	4	is	be	AUX
abrj-228	121	5	under	under	ADP
abrj-228	121	6	volitional	volitional	ADJ
abrj-228	121	7	control	control	NOUN
abrj-228	121	8	,	,	PUNCT
abrj-228	121	9	the	the	DET
abrj-228	121	10	intention	intention	NOUN
abrj-228	121	11	may	may	AUX
abrj-228	121	12	manifest	manifest	VERB
abrj-228	121	13	in	in	ADP
abrj-228	121	14	the	the	DET
abrj-228	121	15	behavior	behavior	NOUN
abrj-228	121	16	itself	itself	PRON
abrj-228	121	17	.	.	PUNCT
abrj-228	122	1	non	non	ADJ
abrj-228	122	2	-	-	ADJ
abrj-228	122	3	motivational	motivational	ADJ
abrj-228	122	4	factors	factor	NOUN
abrj-228	122	5	such	such	ADJ
abrj-228	122	6	as	as	ADP
abrj-228	122	7	resource	resource	NOUN
abrj-228	122	8	availability	availability	NOUN
abrj-228	122	9	may	may	AUX
abrj-228	122	10	also	also	ADV
abrj-228	122	11	affect	affect	VERB
abrj-228	122	12	behavior	behavior	NOUN
abrj-228	122	13	.	.	PUNCT
abrj-228	123	1	several	several	ADJ
abrj-228	123	2	studies	study	NOUN
abrj-228	123	3	have	have	AUX
abrj-228	123	4	applied	apply	VERB
abrj-228	123	5	the	the	DET
abrj-228	123	6	tra	tra	NOUN
abrj-228	123	7	or	or	CCONJ
abrj-228	123	8	tpb	tpb	NOUN
abrj-228	123	9	to	to	PART
abrj-228	123	10	investigate	investigate	VERB
abrj-228	123	11	consumer	consumer	NOUN
abrj-228	123	12	behavior	behavior	NOUN
abrj-228	123	13	in	in	ADP
abrj-228	123	14	e	e	NOUN
abrj-228	123	15	-	-	ADJ
abrj-228	123	16	banking	banking	ADJ
abrj-228	123	17	channels	channel	NOUN
abrj-228	123	18	,	,	PUNCT
abrj-228	123	19	sometimes	sometimes	ADV
abrj-228	123	20	combining	combine	VERB
abrj-228	123	21	them	they	PRON
abrj-228	123	22	with	with	ADP
abrj-228	123	23	other	other	ADJ
abrj-228	123	24	theoretical	theoretical	ADJ
abrj-228	123	25	hypotheses	hypothesis	NOUN
abrj-228	123	26	from	from	ADP
abrj-228	123	27	the	the	DET
abrj-228	123	28	e	e	NOUN
abrj-228	123	29	-	-	ADJ
abrj-228	123	30	banking	banking	ADJ
abrj-228	123	31	literature	literature	NOUN
abrj-228	123	32	,	,	PUNCT
abrj-228	123	33	such	such	ADJ
abrj-228	123	34	as	as	ADP
abrj-228	123	35	reliance	reliance	NOUN
abrj-228	123	36	on	on	ADP
abrj-228	123	37	internet	internet	NOUN
abrj-228	123	38	banking	banking	NOUN
abrj-228	123	39	solutions	solution	NOUN
abrj-228	123	40	(	(	PUNCT
abrj-228	123	41	al	al	PROPN
abrj-228	123	42	-	-	PUNCT
abrj-228	123	43	somali	somali	PROPN
abrj-228	123	44	,	,	PUNCT
abrj-228	123	45	et	et	PROPN
abrj-228	123	46	al	al	PROPN
abrj-228	123	47	.	.	PROPN
abrj-228	123	48	,	,	PUNCT
abrj-228	123	49	2009	2009	NUM
abrj-228	123	50	)	)	PUNCT
abrj-228	123	51	.	.	PUNCT
abrj-228	124	1	tan	tan	PROPN
abrj-228	124	2	and	and	CCONJ
abrj-228	124	3	thompson	thompson	PROPN
abrj-228	124	4	(	(	PUNCT
abrj-228	124	5	2000	2000	NUM
abrj-228	124	6	)	)	PUNCT
abrj-228	124	7	identified	identify	VERB
abrj-228	124	8	factors	factor	NOUN
abrj-228	124	9	influencing	influence	VERB
abrj-228	124	10	the	the	DET
abrj-228	124	11	adoption	adoption	NOUN
abrj-228	124	12	of	of	ADP
abrj-228	124	13	internet	internet	NOUN
abrj-228	124	14	banking	banking	NOUN
abrj-228	124	15	and	and	CCONJ
abrj-228	124	16	extended	extended	ADJ
abrj-228	124	17	rogers	roger	NOUN
abrj-228	124	18	's	's	PART
abrj-228	124	19	doi	doi	NOUN
abrj-228	124	20	framework	framework	NOUN
abrj-228	124	21	by	by	ADP
abrj-228	124	22	combining	combine	VERB
abrj-228	124	23	it	it	PRON
abrj-228	124	24	with	with	ADP
abrj-228	124	25	the	the	DET
abrj-228	124	26	tra	tra	NOUN
abrj-228	124	27	and	and	CCONJ
abrj-228	124	28	tpb	tpb	NOUN
abrj-228	124	29	.	.	PUNCT
abrj-228	125	1	their	their	PRON
abrj-228	125	2	research	research	NOUN
abrj-228	125	3	focused	focus	VERB
abrj-228	125	4	on	on	ADP
abrj-228	125	5	how	how	SCONJ
abrj-228	125	6	an	an	DET
abrj-228	125	7	individual	individual	NOUN
abrj-228	125	8	's	's	PART
abrj-228	125	9	attitude	attitude	NOUN
abrj-228	125	10	and	and	CCONJ
abrj-228	125	11	perceived	perceive	VERB
abrj-228	125	12	behavioral	behavioral	ADJ
abrj-228	125	13	control	control	NOUN
abrj-228	125	14	affect	affect	VERB
abrj-228	125	15	their	their	PRON
abrj-228	125	16	intention	intention	NOUN
abrj-228	125	17	to	to	PART
abrj-228	125	18	use	use	VERB
abrj-228	125	19	internet	internet	NOUN
abrj-228	125	20	banking	banking	NOUN
abrj-228	125	21	services	service	NOUN
abrj-228	125	22	.	.	PUNCT
abrj-228	126	1	figure	figure	NOUN
abrj-228	126	2	2	2	NUM
abrj-228	126	3	.	.	PUNCT
abrj-228	126	4	planned	plan	VERB
abrj-228	126	5	behavior	behavior	NOUN
abrj-228	126	6	theory	theory	NOUN
abrj-228	126	7	.	.	PUNCT
abrj-228	127	1	3.5	3.5	NUM
abrj-228	127	2	.	.	PUNCT
abrj-228	127	3	technology	technology	NOUN
abrj-228	127	4	acceptance	acceptance	NOUN
abrj-228	127	5	model	model	NOUN
abrj-228	127	6	(	(	PUNCT
abrj-228	127	7	tam	tam	PROPN
abrj-228	127	8	)	)	PUNCT
abrj-228	127	9	the	the	DET
abrj-228	127	10	technology	technology	NOUN
abrj-228	127	11	acceptance	acceptance	NOUN
abrj-228	127	12	model	model	NOUN
abrj-228	127	13	(	(	PUNCT
abrj-228	127	14	tam	tam	PROPN
abrj-228	127	15	)	)	PUNCT
abrj-228	127	16	,	,	PUNCT
abrj-228	127	17	created	create	VERB
abrj-228	127	18	by	by	ADP
abrj-228	127	19	davis	davis	PROPN
abrj-228	127	20	in	in	ADP
abrj-228	127	21	1989	1989	NUM
abrj-228	127	22	,	,	PUNCT
abrj-228	127	23	was	be	AUX
abrj-228	127	24	designed	design	VERB
abrj-228	127	25	to	to	PART
abrj-228	127	26	measure	measure	VERB
abrj-228	127	27	user	user	NOUN
abrj-228	127	28	acceptance	acceptance	NOUN
abrj-228	127	29	of	of	ADP
abrj-228	127	30	information	information	NOUN
abrj-228	127	31	systems	system	NOUN
abrj-228	127	32	and	and	CCONJ
abrj-228	127	33	identifies	identify	VERB
abrj-228	127	34	the	the	DET
abrj-228	127	35	behavioral	behavioral	ADJ
abrj-228	127	36	intentions	intention	NOUN
abrj-228	127	37	of	of	ADP
abrj-228	127	38	using	use	VERB
abrj-228	127	39	the	the	DET
abrj-228	127	40	system	system	NOUN
abrj-228	127	41	.	.	PUNCT
abrj-228	128	1	tam	tam	PROPN
abrj-228	128	2	is	be	AUX
abrj-228	128	3	related	relate	VERB
abrj-228	128	4	to	to	PART
abrj-228	128	5	fishbein	fishbein	VERB
abrj-228	128	6	and	and	CCONJ
abrj-228	128	7	ajzen	ajzen	NOUN
abrj-228	128	8	's	's	PART
abrj-228	128	9	theory	theory	NOUN
abrj-228	128	10	of	of	ADP
abrj-228	128	11	reasoned	reason	VERB
abrj-228	128	12	action	action	NOUN
abrj-228	128	13	(	(	PUNCT
abrj-228	128	14	tra	tra	NOUN
abrj-228	128	15	)	)	PUNCT
abrj-228	128	16	and	and	CCONJ
abrj-228	128	17	ajzen	ajzen	NOUN
abrj-228	128	18	's	's	PART
abrj-228	128	19	theory	theory	NOUN
abrj-228	128	20	of	of	ADP
abrj-228	128	21	planned	plan	VERB
abrj-228	128	22	behavior	behavior	NOUN
abrj-228	128	23	(	(	PUNCT
abrj-228	128	24	tpb	tpb	NOUN
abrj-228	128	25	)	)	PUNCT
abrj-228	128	26	.	.	PUNCT
abrj-228	129	1	tam	tam	PROPN
abrj-228	129	2	focuses	focus	VERB
abrj-228	129	3	on	on	ADP
abrj-228	129	4	three	three	NUM
abrj-228	129	5	internal	internal	ADJ
abrj-228	129	6	variables	variable	NOUN
abrj-228	129	7	that	that	PRON
abrj-228	129	8	affect	affect	VERB
abrj-228	129	9	technology	technology	NOUN
abrj-228	129	10	use	use	NOUN
abrj-228	129	11	:	:	PUNCT
abrj-228	129	12	perceived	perceive	VERB
abrj-228	129	13	usefulness	usefulness	NOUN
abrj-228	129	14	(	(	PUNCT
abrj-228	129	15	pu	pu	PROPN
abrj-228	129	16	)	)	PUNCT
abrj-228	129	17	,	,	PUNCT
abrj-228	129	18	perceived	perceive	VERB
abrj-228	129	19	ease	ease	NOUN
abrj-228	129	20	of	of	ADP
abrj-228	129	21	use	use	NOUN
abrj-228	129	22	(	(	PUNCT
abrj-228	129	23	peu	peu	NOUN
abrj-228	129	24	)	)	PUNCT
abrj-228	129	25	,	,	PUNCT
abrj-228	129	26	and	and	CCONJ
abrj-228	129	27	behavioral	behavioral	ADJ
abrj-228	129	28	intention	intention	NOUN
abrj-228	129	29	to	to	PART
abrj-228	129	30	use	use	VERB
abrj-228	129	31	.	.	PUNCT
abrj-228	130	1	tra	tra	PROPN
abrj-228	130	2	proposes	propose	VERB
abrj-228	130	3	that	that	SCONJ
abrj-228	130	4	behavioral	behavioral	ADJ
abrj-228	130	5	intention	intention	NOUN
abrj-228	130	6	is	be	AUX
abrj-228	130	7	determined	determine	VERB
abrj-228	130	8	by	by	ADP
abrj-228	130	9	a	a	DET
abrj-228	130	10	person	person	NOUN
abrj-228	130	11	's	's	PART
abrj-228	130	12	attitude	attitude	NOUN
abrj-228	130	13	,	,	PUNCT
abrj-228	130	14	belief	belief	NOUN
abrj-228	130	15	,	,	PUNCT
abrj-228	130	16	intention	intention	NOUN
abrj-228	130	17	,	,	PUNCT
abrj-228	130	18	and	and	CCONJ
abrj-228	130	19	behavior	behavior	NOUN
abrj-228	130	20	,	,	PUNCT
abrj-228	130	21	and	and	CCONJ
abrj-228	130	22	it	it	PRON
abrj-228	130	23	assumes	assume	VERB
abrj-228	130	24	that	that	SCONJ
abrj-228	130	25	behavior	behavior	NOUN
abrj-228	130	26	is	be	AUX
abrj-228	130	27	under	under	ADP
abrj-228	130	28	the	the	DET
abrj-228	130	29	conscious	conscious	ADJ
abrj-228	130	30	control	control	NOUN
abrj-228	130	31	of	of	ADP
abrj-228	130	32	the	the	DET
abrj-228	130	33	person	person	NOUN
abrj-228	130	34	.	.	PUNCT
abrj-228	131	1	however	however	ADV
abrj-228	131	2	,	,	PUNCT
abrj-228	131	3	this	this	DET
abrj-228	131	4	theory	theory	NOUN
abrj-228	131	5	may	may	AUX
abrj-228	131	6	not	not	PART
abrj-228	131	7	accurately	accurately	ADV
abrj-228	131	8	predict	predict	VERB
abrj-228	131	9	behavior	behavior	NOUN
abrj-228	131	10	in	in	ADP
abrj-228	131	11	situations	situation	NOUN
abrj-228	131	12	where	where	SCONJ
abrj-228	131	13	people	people	NOUN
abrj-228	131	14	have	have	VERB
abrj-228	131	15	no	no	DET
abrj-228	131	16	conscious	conscious	ADJ
abrj-228	131	17	control	control	NOUN
abrj-228	131	18	or	or	CCONJ
abrj-228	131	19	where	where	SCONJ
abrj-228	131	20	information	information	NOUN
abrj-228	131	21	is	be	AUX
abrj-228	131	22	limited	limited	ADJ
abrj-228	131	23	.	.	PUNCT
abrj-228	132	1	the	the	DET
abrj-228	132	2	tpb	tpb	NOUN
abrj-228	132	3	extends	extend	VERB
abrj-228	132	4	the	the	DET
abrj-228	132	5	tra	tra	NOUN
abrj-228	132	6	by	by	ADP
abrj-228	132	7	including	include	VERB
abrj-228	132	8	the	the	DET
abrj-228	132	9	perceived	perceive	VERB
abrj-228	132	10	behavioral	behavioral	ADJ
abrj-228	132	11	control	control	NOUN
abrj-228	132	12	to	to	PART
abrj-228	132	13	account	account	VERB
abrj-228	132	14	for	for	ADP
abrj-228	132	15	the	the	DET
abrj-228	132	16	perceived	perceive	VERB
abrj-228	132	17	difficulty	difficulty	NOUN
abrj-228	132	18	of	of	ADP
abrj-228	132	19	carrying	carry	VERB
abrj-228	132	20	out	out	ADP
abrj-228	132	21	a	a	DET
abrj-228	132	22	behavior	behavior	NOUN
abrj-228	132	23	.	.	PUNCT
abrj-228	133	1	tam	tam	PROPN
abrj-228	133	2	,	,	PUNCT
abrj-228	133	3	which	which	PRON
abrj-228	133	4	is	be	AUX
abrj-228	133	5	based	base	VERB
abrj-228	133	6	on	on	ADP
abrj-228	133	7	tra	tra	PROPN
abrj-228	133	8	,	,	PUNCT
abrj-228	133	9	is	be	AUX
abrj-228	133	10	a	a	DET
abrj-228	133	11	model	model	NOUN
abrj-228	133	12	that	that	PRON
abrj-228	133	13	focuses	focus	VERB
abrj-228	133	14	on	on	ADP
abrj-228	133	15	people	people	NOUN
abrj-228	133	16	's	's	PART
abrj-228	133	17	attitudes	attitude	NOUN
abrj-228	133	18	and	and	CCONJ
abrj-228	133	19	behaviors	behavior	NOUN
abrj-228	133	20	toward	toward	ADP
abrj-228	133	21	technology	technology	NOUN
abrj-228	133	22	.	.	PUNCT
abrj-228	134	1	the	the	DET
abrj-228	134	2	tam	tam	NOUN
abrj-228	134	3	has	have	VERB
abrj-228	134	4	three	three	NUM
abrj-228	134	5	main	main	ADJ
abrj-228	134	6	components	component	NOUN
abrj-228	134	7	:	:	PUNCT
abrj-228	134	8	pu	pu	PROPN
abrj-228	134	9	,	,	PUNCT
abrj-228	134	10	peu	peu	PROPN
abrj-228	134	11	,	,	PUNCT
abrj-228	134	12	and	and	CCONJ
abrj-228	134	13	use	use	NOUN
abrj-228	134	14	of	of	ADP
abrj-228	134	15	computer	computer	NOUN
abrj-228	134	16	.	.	PUNCT
abrj-228	135	1	although	although	SCONJ
abrj-228	135	2	the	the	DET
abrj-228	135	3	tam	tam	NOUN
abrj-228	135	4	has	have	AUX
abrj-228	135	5	been	be	AUX
abrj-228	135	6	modified	modify	VERB
abrj-228	135	7	by	by	ADP
abrj-228	135	8	researchers	researcher	NOUN
abrj-228	135	9	,	,	PUNCT
abrj-228	135	10	it	it	PRON
abrj-228	135	11	has	have	AUX
abrj-228	135	12	remained	remain	VERB
abrj-228	135	13	relatively	relatively	ADV
abrj-228	135	14	unchanged	unchanged	ADJ
abrj-228	135	15	.	.	PUNCT
abrj-228	136	1	the	the	DET
abrj-228	136	2	tam	tam	NOUN
abrj-228	136	3	has	have	AUX
abrj-228	136	4	been	be	AUX
abrj-228	136	5	examined	examine	VERB
abrj-228	136	6	in	in	ADP
abrj-228	136	7	many	many	ADJ
abrj-228	136	8	studies	study	NOUN
abrj-228	136	9	,	,	PUNCT
abrj-228	136	10	and	and	CCONJ
abrj-228	136	11	some	some	DET
abrj-228	136	12	researchers	researcher	NOUN
abrj-228	136	13	have	have	AUX
abrj-228	136	14	found	find	VERB
abrj-228	136	15	it	it	PRON
abrj-228	136	16	beneficial	beneficial	ADJ
abrj-228	136	17	,	,	PUNCT
abrj-228	136	18	while	while	SCONJ
abrj-228	136	19	others	other	NOUN
abrj-228	136	20	have	have	AUX
abrj-228	136	21	concluded	conclude	VERB
abrj-228	136	22	that	that	SCONJ
abrj-228	136	23	it	it	PRON
abrj-228	136	24	needs	need	VERB
abrj-228	136	25	to	to	PART
abrj-228	136	26	be	be	AUX
abrj-228	136	27	integrated	integrate	VERB
abrj-228	136	28	into	into	ADP
abrj-228	136	29	a	a	DET
abrj-228	136	30	broader	broad	ADJ
abrj-228	136	31	context	context	NOUN
abrj-228	136	32	.	.	PUNCT
abrj-228	137	1	several	several	ADJ
abrj-228	137	2	studies	study	NOUN
abrj-228	137	3	have	have	AUX
abrj-228	137	4	found	find	VERB
abrj-228	137	5	that	that	SCONJ
abrj-228	137	6	the	the	DET
abrj-228	137	7	tam	tam	NOUN
abrj-228	137	8	aspects	aspect	NOUN
abrj-228	137	9	,	,	PUNCT
abrj-228	137	10	such	such	ADJ
abrj-228	137	11	as	as	ADP
abrj-228	137	12	usefulness	usefulness	NOUN
abrj-228	137	13	,	,	PUNCT
abrj-228	137	14	user	user	NOUN
abrj-228	137	15	-	-	PUNCT
abrj-228	137	16	friendliness	friendliness	ADJ
abrj-228	137	17	,	,	PUNCT
abrj-228	137	18	and	and	CCONJ
abrj-228	137	19	attitude	attitude	NOUN
abrj-228	137	20	,	,	PUNCT
abrj-228	137	21	directly	directly	ADV
abrj-228	137	22	impact	impact	VERB
abrj-228	137	23	the	the	DET
abrj-228	137	24	use	use	NOUN
abrj-228	137	25	of	of	ADP
abrj-228	137	26	e	e	NOUN
abrj-228	137	27	-	-	NOUN
abrj-228	137	28	banking	banking	NOUN
abrj-228	137	29	.	.	PUNCT
abrj-228	138	1	harasis	harasis	NOUN
abrj-228	138	2	,	,	PUNCT
abrj-228	138	3	&	&	CCONJ
abrj-228	138	4	rasli	rasli	PROPN
abrj-228	138	5	(	(	PUNCT
abrj-228	138	6	2016	2016	NUM
abrj-228	138	7	)	)	PUNCT
abrj-228	138	8	surveyed	survey	VERB
abrj-228	138	9	304	304	NUM
abrj-228	138	10	participants	participant	NOUN
abrj-228	138	11	and	and	CCONJ
abrj-228	138	12	recommended	recommend	VERB
abrj-228	138	13	an	an	DET
abrj-228	138	14	extended	extended	ADJ
abrj-228	138	15	tam	tam	NOUN
abrj-228	138	16	that	that	PRON
abrj-228	138	17	examines	examine	VERB
abrj-228	138	18	the	the	DET
abrj-228	138	19	impact	impact	NOUN
abrj-228	138	20	of	of	ADP
abrj-228	138	21	system	system	NOUN
abrj-228	138	22	usability	usability	NOUN
abrj-228	138	23	and	and	CCONJ
abrj-228	138	24	satisfaction	satisfaction	NOUN
abrj-228	138	25	on	on	ADP
abrj-228	138	26	users	user	NOUN
abrj-228	138	27	'	'	PART
abrj-228	138	28	intention	intention	NOUN
abrj-228	138	29	to	to	PART
abrj-228	138	30	continue	continue	VERB
abrj-228	138	31	using	use	VERB
abrj-228	138	32	e	e	NOUN
abrj-228	138	33	-	-	ADJ
abrj-228	138	34	banking	banking	ADJ
abrj-228	138	35	services	service	NOUN
abrj-228	138	36	.	.	PUNCT
abrj-228	139	1	the	the	DET
abrj-228	139	2	results	result	NOUN
abrj-228	139	3	showed	show	VERB
abrj-228	139	4	that	that	SCONJ
abrj-228	139	5	users	user	NOUN
abrj-228	139	6	'	'	PART
abrj-228	139	7	intention	intention	NOUN
abrj-228	139	8	to	to	PART
abrj-228	139	9	continue	continue	VERB
abrj-228	139	10	using	use	VERB
abrj-228	139	11	e	e	NOUN
abrj-228	139	12	-	-	NOUN
abrj-228	139	13	banking	banking	NOUN
abrj-228	139	14	is	be	AUX
abrj-228	139	15	influenced	influence	VERB
abrj-228	139	16	by	by	ADP
abrj-228	139	17	satisfaction	satisfaction	NOUN
abrj-228	139	18	,	,	PUNCT
abrj-228	139	19	pu	pu	PROPN
abrj-228	139	20	,	,	PUNCT
abrj-228	139	21	and	and	CCONJ
abrj-228	139	22	compatibility	compatibility	NOUN
abrj-228	139	23	.	.	PUNCT
abrj-228	140	1	asian	asian	ADJ
abrj-228	140	2	business	business	PROPN
abrj-228	140	3	research	research	NOUN
abrj-228	140	4	journal	journal	NOUN
abrj-228	140	5	,	,	PUNCT
abrj-228	140	6	2024	2024	NUM
abrj-228	140	7	,	,	PUNCT
abrj-228	140	8	9	9	NUM
abrj-228	140	9	:	:	SYM
abrj-228	140	10	127	127	NUM
abrj-228	140	11	-	-	SYM
abrj-228	140	12	134	134	NUM
abrj-228	140	13	131	131	NUM
abrj-228	140	14	©	©	ADP
abrj-228	140	15	2024	2024	NUM
abrj-228	140	16	by	by	ADP
abrj-228	140	17	the	the	DET
abrj-228	140	18	authors	author	NOUN
abrj-228	140	19	;	;	PUNCT
abrj-228	140	20	licensee	licensee	NOUN
abrj-228	140	21	eastern	eastern	ADJ
abrj-228	140	22	centre	centre	NOUN
abrj-228	140	23	of	of	ADP
abrj-228	140	24	science	science	NOUN
abrj-228	140	25	and	and	CCONJ
abrj-228	140	26	education	education	NOUN
abrj-228	140	27	,	,	PUNCT
abrj-228	140	28	usa	usa	PROPN
abrj-228	140	29	figure	figure	NOUN
abrj-228	140	30	3	3	NUM
abrj-228	140	31	.	.	PUNCT
abrj-228	140	32	theory	theory	NOUN
abrj-228	140	33	of	of	ADP
abrj-228	140	34	technology	technology	NOUN
abrj-228	140	35	acceptance	acceptance	NOUN
abrj-228	140	36	model	model	NOUN
abrj-228	140	37	.	.	PUNCT
abrj-228	141	1	3.6	3.6	NUM
abrj-228	141	2	.	.	PUNCT
abrj-228	142	1	technology	technology	NOUN
abrj-228	142	2	resistance	resistance	NOUN
abrj-228	142	3	theory	theory	NOUN
abrj-228	142	4	(	(	PUNCT
abrj-228	142	5	trt	trt	PROPN
abrj-228	142	6	)	)	PUNCT
abrj-228	142	7	the	the	DET
abrj-228	142	8	technology	technology	NOUN
abrj-228	142	9	resistance	resistance	NOUN
abrj-228	142	10	theory	theory	NOUN
abrj-228	142	11	(	(	PUNCT
abrj-228	142	12	trt	trt	PROPN
abrj-228	142	13	)	)	PUNCT
abrj-228	142	14	is	be	AUX
abrj-228	142	15	a	a	DET
abrj-228	142	16	theory	theory	NOUN
abrj-228	142	17	that	that	PRON
abrj-228	142	18	concentrates	concentrate	VERB
abrj-228	142	19	on	on	ADP
abrj-228	142	20	the	the	DET
abrj-228	142	21	reasons	reason	NOUN
abrj-228	142	22	why	why	SCONJ
abrj-228	142	23	individuals	individual	NOUN
abrj-228	142	24	avoid	avoid	VERB
abrj-228	142	25	using	use	VERB
abrj-228	142	26	a	a	DET
abrj-228	142	27	particular	particular	ADJ
abrj-228	142	28	technology	technology	NOUN
abrj-228	142	29	instead	instead	ADV
abrj-228	142	30	of	of	ADP
abrj-228	142	31	just	just	ADV
abrj-228	142	32	analyzing	analyze	VERB
abrj-228	142	33	the	the	DET
abrj-228	142	34	factors	factor	NOUN
abrj-228	142	35	that	that	PRON
abrj-228	142	36	promote	promote	VERB
abrj-228	142	37	technology	technology	NOUN
abrj-228	142	38	adoption	adoption	NOUN
abrj-228	142	39	.	.	PUNCT
abrj-228	143	1	traditional	traditional	ADJ
abrj-228	143	2	acceptance	acceptance	NOUN
abrj-228	143	3	theories	theory	NOUN
abrj-228	143	4	have	have	AUX
abrj-228	143	5	emphasized	emphasize	VERB
abrj-228	143	6	the	the	DET
abrj-228	143	7	personal	personal	ADJ
abrj-228	143	8	benefits	benefit	NOUN
abrj-228	143	9	and	and	CCONJ
abrj-228	143	10	advantages	advantage	NOUN
abrj-228	143	11	of	of	ADP
abrj-228	143	12	using	use	VERB
abrj-228	143	13	technology	technology	NOUN
abrj-228	143	14	in	in	ADP
abrj-228	143	15	everyday	everyday	ADJ
abrj-228	143	16	activities	activity	NOUN
abrj-228	143	17	.	.	PUNCT
abrj-228	144	1	however	however	ADV
abrj-228	144	2	,	,	PUNCT
abrj-228	144	3	recent	recent	ADJ
abrj-228	144	4	research	research	NOUN
abrj-228	144	5	in	in	ADP
abrj-228	144	6	information	information	NOUN
abrj-228	144	7	systems	system	NOUN
abrj-228	144	8	(	(	PUNCT
abrj-228	144	9	is	be	AUX
abrj-228	144	10	)	)	PUNCT
abrj-228	144	11	has	have	AUX
abrj-228	144	12	emphasized	emphasize	VERB
abrj-228	144	13	the	the	DET
abrj-228	144	14	significance	significance	NOUN
abrj-228	144	15	of	of	ADP
abrj-228	144	16	comprehending	comprehend	VERB
abrj-228	144	17	the	the	DET
abrj-228	144	18	obstacles	obstacle	NOUN
abrj-228	144	19	that	that	PRON
abrj-228	144	20	restrict	restrict	VERB
abrj-228	144	21	technology	technology	NOUN
abrj-228	144	22	adoption	adoption	NOUN
abrj-228	144	23	(	(	PUNCT
abrj-228	144	24	cenfetelli	cenfetelli	NOUN
abrj-228	144	25	and	and	CCONJ
abrj-228	144	26	schwarz	schwarz	PROPN
abrj-228	144	27	,	,	PUNCT
abrj-228	144	28	2011	2011	NUM
abrj-228	144	29	)	)	PUNCT
abrj-228	144	30	.	.	PUNCT
abrj-228	145	1	the	the	DET
abrj-228	145	2	itu	itu	PROPN
abrj-228	145	3	(	(	PUNCT
abrj-228	145	4	inhibitors	inhibitor	NOUN
abrj-228	145	5	of	of	ADP
abrj-228	145	6	technology	technology	NOUN
abrj-228	145	7	usage	usage	NOUN
abrj-228	145	8	)	)	PUNCT
abrj-228	145	9	model	model	NOUN
abrj-228	145	10	,	,	PUNCT
abrj-228	145	11	suggested	suggest	VERB
abrj-228	145	12	by	by	ADP
abrj-228	145	13	cenfetelli	cenfetelli	NOUN
abrj-228	145	14	and	and	CCONJ
abrj-228	145	15	schwarz	schwarz	PROPN
abrj-228	145	16	(	(	PUNCT
abrj-228	145	17	2011	2011	NUM
abrj-228	145	18	)	)	PUNCT
abrj-228	145	19	,	,	PUNCT
abrj-228	145	20	describes	describe	VERB
abrj-228	145	21	the	the	DET
abrj-228	145	22	inhibitors	inhibitor	NOUN
abrj-228	145	23	of	of	ADP
abrj-228	145	24	technology	technology	NOUN
abrj-228	145	25	as	as	ADP
abrj-228	145	26	users	user	NOUN
abrj-228	145	27	'	'	PART
abrj-228	145	28	perceptions	perception	NOUN
abrj-228	145	29	of	of	ADP
abrj-228	145	30	a	a	DET
abrj-228	145	31	system	system	NOUN
abrj-228	145	32	's	's	PART
abrj-228	145	33	features	feature	NOUN
abrj-228	145	34	that	that	PRON
abrj-228	145	35	lead	lead	VERB
abrj-228	145	36	to	to	ADP
abrj-228	145	37	a	a	DET
abrj-228	145	38	decision	decision	NOUN
abrj-228	145	39	not	not	PART
abrj-228	145	40	to	to	PART
abrj-228	145	41	use	use	VERB
abrj-228	145	42	it	it	PRON
abrj-228	145	43	.	.	PUNCT
abrj-228	146	1	inhibitors	inhibitor	NOUN
abrj-228	146	2	solely	solely	ADV
abrj-228	146	3	prevent	prevent	VERB
abrj-228	146	4	use	use	NOUN
abrj-228	146	5	,	,	PUNCT
abrj-228	146	6	unlike	unlike	ADP
abrj-228	146	7	enablers	enabler	NOUN
abrj-228	146	8	.	.	PUNCT
abrj-228	147	1	durkin	durkin	PROPN
abrj-228	147	2	et	et	PROPN
abrj-228	147	3	al	al	PROPN
abrj-228	147	4	.	.	PROPN
abrj-228	148	1	(	(	PUNCT
abrj-228	148	2	2008	2008	NUM
abrj-228	148	3	)	)	PUNCT
abrj-228	148	4	studied	study	VERB
abrj-228	148	5	enabling	enable	VERB
abrj-228	148	6	and	and	CCONJ
abrj-228	148	7	inhibiting	inhibit	VERB
abrj-228	148	8	factors	factor	NOUN
abrj-228	148	9	influencing	influence	VERB
abrj-228	148	10	e	e	NOUN
abrj-228	148	11	-	-	ADJ
abrj-228	148	12	banking	banking	ADJ
abrj-228	148	13	customer	customer	NOUN
abrj-228	148	14	behavior	behavior	NOUN
abrj-228	148	15	.	.	PUNCT
abrj-228	149	1	their	their	PRON
abrj-228	149	2	research	research	NOUN
abrj-228	149	3	indicated	indicate	VERB
abrj-228	149	4	that	that	SCONJ
abrj-228	149	5	the	the	DET
abrj-228	149	6	absence	absence	NOUN
abrj-228	149	7	of	of	ADP
abrj-228	149	8	face	face	NOUN
abrj-228	149	9	-	-	PUNCT
abrj-228	149	10	to	to	ADP
abrj-228	149	11	-	-	PUNCT
abrj-228	149	12	face	face	NOUN
abrj-228	149	13	interaction	interaction	NOUN
abrj-228	149	14	,	,	PUNCT
abrj-228	149	15	reassurance	reassurance	NOUN
abrj-228	149	16	about	about	ADP
abrj-228	149	17	security	security	NOUN
abrj-228	149	18	,	,	PUNCT
abrj-228	149	19	and	and	CCONJ
abrj-228	149	20	trust	trust	NOUN
abrj-228	149	21	would	would	AUX
abrj-228	149	22	negatively	negatively	ADV
abrj-228	149	23	impact	impact	VERB
abrj-228	149	24	consumer	consumer	NOUN
abrj-228	149	25	usage	usage	NOUN
abrj-228	149	26	of	of	ADP
abrj-228	149	27	e	e	NOUN
abrj-228	149	28	-	-	ADJ
abrj-228	149	29	banking	banking	ADJ
abrj-228	149	30	portals	portal	NOUN
abrj-228	149	31	.	.	PUNCT
abrj-228	150	1	this	this	DET
abrj-228	150	2	theory	theory	NOUN
abrj-228	150	3	examines	examine	VERB
abrj-228	150	4	diverse	diverse	ADJ
abrj-228	150	5	factors	factor	NOUN
abrj-228	150	6	that	that	PRON
abrj-228	150	7	influence	influence	VERB
abrj-228	150	8	customer	customer	NOUN
abrj-228	150	9	satisfaction	satisfaction	NOUN
abrj-228	150	10	,	,	PUNCT
abrj-228	150	11	with	with	ADP
abrj-228	150	12	particular	particular	ADJ
abrj-228	150	13	attention	attention	NOUN
abrj-228	150	14	to	to	ADP
abrj-228	150	15	the	the	DET
abrj-228	150	16	barriers	barrier	NOUN
abrj-228	150	17	that	that	PRON
abrj-228	150	18	hinder	hinder	VERB
abrj-228	150	19	technology	technology	NOUN
abrj-228	150	20	adoption	adoption	NOUN
abrj-228	150	21	.	.	PUNCT
abrj-228	151	1	3.7	3.7	NUM
abrj-228	151	2	.	.	PUNCT
abrj-228	151	3	measurement	measurement	NOUN
abrj-228	151	4	model	model	NOUN
abrj-228	151	5	and	and	CCONJ
abrj-228	151	6	dimensions	dimension	NOUN
abrj-228	151	7	measured	measure	VERB
abrj-228	151	8	table	table	NOUN
abrj-228	151	9	1	1	NUM
abrj-228	151	10	.	.	PUNCT
abrj-228	151	11	measurement	measurement	NOUN
abrj-228	151	12	model	model	PROPN
abrj-228	151	13	dimensions	dimension	NOUN
abrj-228	151	14	measured	measure	VERB
abrj-228	151	15	kano	kano	PROPN
abrj-228	151	16	’s	’s	PART
abrj-228	151	17	model	model	NOUN
abrj-228	151	18	(	(	PUNCT
abrj-228	151	19	kano	kano	PROPN
abrj-228	151	20	,	,	PUNCT
abrj-228	151	21	1984	1984	NUM
abrj-228	151	22	)	)	PUNCT
abrj-228	151	23	must	must	AUX
abrj-228	151	24	-	-	PUNCT
abrj-228	151	25	be	be	AUX
abrj-228	151	26	requirements	requirement	NOUN
abrj-228	151	27	,	,	PUNCT
abrj-228	151	28	one	one	NUM
abrj-228	151	29	-	-	PUNCT
abrj-228	151	30	dimensional	dimensional	ADJ
abrj-228	151	31	requirements	requirement	NOUN
abrj-228	151	32	,	,	PUNCT
abrj-228	151	33	attractive	attractive	ADJ
abrj-228	151	34	requirements	requirement	NOUN
abrj-228	151	35	,	,	PUNCT
abrj-228	151	36	reverse	reverse	ADJ
abrj-228	151	37	quality	quality	NOUN
abrj-228	151	38	perceived	perceive	VERB
abrj-228	151	39	sq	sq	NOUN
abrj-228	151	40	model	model	NOUN
abrj-228	151	41	(	(	PUNCT
abrj-228	151	42	grönroos	grönroos	PROPN
abrj-228	151	43	,	,	PUNCT
abrj-228	151	44	1984	1984	NUM
abrj-228	151	45	)	)	PUNCT
abrj-228	151	46	technical	technical	ADJ
abrj-228	151	47	service	service	NOUN
abrj-228	151	48	quality	quality	NOUN
abrj-228	151	49	,	,	PUNCT
abrj-228	151	50	functional	functional	ADJ
abrj-228	151	51	service	service	NOUN
abrj-228	151	52	quality	quality	NOUN
abrj-228	151	53	,	,	PUNCT
abrj-228	151	54	corporate	corporate	ADJ
abrj-228	151	55	image	image	NOUN
abrj-228	151	56	servqual	servqual	ADJ
abrj-228	151	57	(	(	PUNCT
abrj-228	151	58	parasuraman	parasuraman	NOUN
abrj-228	151	59	,	,	PUNCT
abrj-228	151	60	zeithaml	zeithaml	PROPN
abrj-228	151	61	and	and	CCONJ
abrj-228	151	62	barry	barry	PROPN
abrj-228	151	63	,	,	PUNCT
abrj-228	151	64	1985	1985	NUM
abrj-228	151	65	;	;	PUNCT
abrj-228	151	66	1998	1998	NUM
abrj-228	151	67	)	)	PUNCT
abrj-228	151	68	reliability	reliability	NOUN
abrj-228	151	69	,	,	PUNCT
abrj-228	151	70	responsiveness	responsiveness	NOUN
abrj-228	151	71	,	,	PUNCT
abrj-228	151	72	assurance	assurance	NOUN
abrj-228	151	73	,	,	PUNCT
abrj-228	151	74	empathy	empathy	NOUN
abrj-228	151	75	and	and	CCONJ
abrj-228	151	76	tangibles	tangibles	PROPN
abrj-228	151	77	servferf	servferf	NOUN
abrj-228	151	78	(	(	PUNCT
abrj-228	151	79	cronin	cronin	PROPN
abrj-228	151	80	and	and	CCONJ
abrj-228	151	81	taylor	taylor	PROPN
abrj-228	151	82	,	,	PUNCT
abrj-228	151	83	1994	1994	NUM
abrj-228	151	84	)	)	PUNCT
abrj-228	151	85	reliability	reliability	NOUN
abrj-228	151	86	,	,	PUNCT
abrj-228	151	87	responsiveness	responsiveness	NOUN
abrj-228	151	88	,	,	PUNCT
abrj-228	151	89	assurance	assurance	NOUN
abrj-228	151	90	,	,	PUNCT
abrj-228	151	91	empathy	empathy	NOUN
abrj-228	151	92	and	and	CCONJ
abrj-228	151	93	tangibles	tangible	NOUN
abrj-228	151	94	e	e	NOUN
abrj-228	151	95	-	-	NOUN
abrj-228	151	96	commerce	commerce	NOUN
abrj-228	151	97	(	(	PUNCT
abrj-228	151	98	reichheld	reichheld	NOUN
abrj-228	151	99	and	and	CCONJ
abrj-228	151	100	schefter	schefter	NOUN
abrj-228	151	101	,	,	PUNCT
abrj-228	151	102	2000	2000	NUM
abrj-228	151	103	)	)	PUNCT
abrj-228	151	104	customer	customer	NOUN
abrj-228	151	105	support	support	NOUN
abrj-228	151	106	,	,	PUNCT
abrj-228	151	107	on	on	ADP
abrj-228	151	108	-	-	PUNCT
abrj-228	151	109	time	time	NOUN
abrj-228	151	110	delivery	delivery	NOUN
abrj-228	151	111	,	,	PUNCT
abrj-228	151	112	compelling	compelling	ADJ
abrj-228	151	113	product	product	NOUN
abrj-228	151	114	presentations	presentation	NOUN
abrj-228	151	115	,	,	PUNCT
abrj-228	151	116	convenient	convenient	ADJ
abrj-228	151	117	and	and	CCONJ
abrj-228	151	118	reasonably	reasonably	ADV
abrj-228	151	119	priced	price	VERB
abrj-228	151	120	shipping	shipping	NOUN
abrj-228	151	121	and	and	CCONJ
abrj-228	151	122	handling	handling	NOUN
abrj-228	151	123	,	,	PUNCT
abrj-228	151	124	clear	clear	ADJ
abrj-228	151	125	and	and	CCONJ
abrj-228	151	126	trustworthy	trustworthy	ADJ
abrj-228	151	127	privacy	privacy	NOUN
abrj-228	151	128	e	e	NOUN
abrj-228	151	129	-	-	PROPN
abrj-228	151	130	sq	sq	ADJ
abrj-228	151	131	and	and	CCONJ
abrj-228	151	132	e	e	NOUN
abrj-228	151	133	-	-	NOUN
abrj-228	151	134	servqual	servqual	ADJ
abrj-228	151	135	(	(	PUNCT
abrj-228	151	136	zeithaml	zeithaml	PROPN
abrj-228	151	137	et	et	PROPN
abrj-228	151	138	al	al	PROPN
abrj-228	151	139	.	.	PROPN
abrj-228	151	140	,	,	PUNCT
abrj-228	151	141	2000	2000	NUM
abrj-228	151	142	)	)	PUNCT
abrj-228	151	143	efficiency	efficiency	NOUN
abrj-228	151	144	,	,	PUNCT
abrj-228	151	145	reliability	reliability	NOUN
abrj-228	151	146	,	,	PUNCT
abrj-228	151	147	fulfilment	fulfilment	NOUN
abrj-228	151	148	,	,	PUNCT
abrj-228	151	149	privacy	privacy	NOUN
abrj-228	151	150	,	,	PUNCT
abrj-228	151	151	responsiveness	responsiveness	NOUN
abrj-228	151	152	,	,	PUNCT
abrj-228	151	153	compensation	compensation	NOUN
abrj-228	151	154	,	,	PUNCT
abrj-228	151	155	and	and	CCONJ
abrj-228	151	156	contact	contact	NOUN
abrj-228	151	157	e	e	NOUN
abrj-228	151	158	-	-	NOUN
abrj-228	151	159	satisfaction	satisfaction	NOUN
abrj-228	151	160	(	(	PUNCT
abrj-228	151	161	abdulhadi	abdulhadi	NOUN
abrj-228	151	162	,	,	PUNCT
abrj-228	151	163	&	&	CCONJ
abrj-228	151	164	ahmad	ahmad	PROPN
abrj-228	151	165	,	,	PUNCT
abrj-228	151	166	(	(	PUNCT
abrj-228	151	167	2021	2021	NUM
abrj-228	151	168	;	;	PUNCT
abrj-228	151	169	szymanski	szymanski	ADJ
abrj-228	151	170	and	and	CCONJ
abrj-228	151	171	hise	hise	ADV
abrj-228	151	172	,	,	PUNCT
abrj-228	151	173	2000	2000	NUM
abrj-228	151	174	)	)	PUNCT
abrj-228	151	175	convenience	convenience	NOUN
abrj-228	151	176	,	,	PUNCT
abrj-228	151	177	merchandising	merchandising	NOUN
abrj-228	151	178	,	,	PUNCT
abrj-228	151	179	easiness	easiness	NOUN
abrj-228	151	180	,	,	PUNCT
abrj-228	151	181	information	information	NOUN
abrj-228	151	182	,	,	PUNCT
abrj-228	151	183	deign	deign	ADJ
abrj-228	151	184	,	,	PUNCT
abrj-228	151	185	financial	financial	ADJ
abrj-228	151	186	security	security	NOUN
abrj-228	151	187	e	e	NOUN
abrj-228	151	188	-	-	NOUN
abrj-228	151	189	loyalty	loyalty	NOUN
abrj-228	151	190	(	(	PUNCT
abrj-228	151	191	pambudi	pambudi	PROPN
abrj-228	151	192	et	et	PROPN
abrj-228	151	193	al	al	PROPN
abrj-228	151	194	.	.	PROPN
abrj-228	151	195	,	,	PUNCT
abrj-228	151	196	2021	2021	NUM
abrj-228	151	197	;	;	PUNCT
abrj-228	151	198	gommans	gomman	NOUN
abrj-228	151	199	et	et	PROPN
abrj-228	151	200	al	al	PROPN
abrj-228	151	201	.	.	PROPN
abrj-228	151	202	,	,	PUNCT
abrj-228	151	203	2001	2001	NUM
abrj-228	151	204	)	)	PUNCT
abrj-228	151	205	website	website	NOUN
abrj-228	151	206	and	and	CCONJ
abrj-228	151	207	technology	technology	NOUN
abrj-228	151	208	,	,	PUNCT
abrj-228	151	209	value	value	NOUN
abrj-228	151	210	proposition	proposition	NOUN
abrj-228	151	211	,	,	PUNCT
abrj-228	151	212	customer	customer	NOUN
abrj-228	151	213	service	service	NOUN
abrj-228	151	214	,	,	PUNCT
abrj-228	151	215	brand	brand	NOUN
abrj-228	151	216	building	building	NOUN
abrj-228	151	217	and	and	CCONJ
abrj-228	151	218	trust	trust	PROPN
abrj-228	151	219	&	&	CCONJ
abrj-228	151	220	security	security	PROPN
abrj-228	151	221	sitequal	sitequal	ADJ
abrj-228	151	222	(	(	PUNCT
abrj-228	151	223	das	das	PROPN
abrj-228	151	224	&	&	CCONJ
abrj-228	151	225	ravi	ravi	PROPN
abrj-228	151	226	,	,	PUNCT
abrj-228	151	227	2021	2021	NUM
abrj-228	151	228	;	;	PUNCT
abrj-228	151	229	yoo	yoo	PROPN
abrj-228	151	230	and	and	CCONJ
abrj-228	151	231	donthu	donthu	PROPN
abrj-228	151	232	,	,	PUNCT
abrj-228	151	233	2001	2001	NUM
abrj-228	151	234	)	)	PUNCT
abrj-228	151	235	ease	ease	NOUN
abrj-228	151	236	of	of	ADP
abrj-228	151	237	use	use	NOUN
abrj-228	151	238	,	,	PUNCT
abrj-228	151	239	aesthetic	aesthetic	ADJ
abrj-228	151	240	design	design	NOUN
abrj-228	151	241	,	,	PUNCT
abrj-228	151	242	processing	processing	NOUN
abrj-228	151	243	speed	speed	NOUN
abrj-228	151	244	,	,	PUNCT
abrj-228	151	245	and	and	CCONJ
abrj-228	151	246	security	security	NOUN
abrj-228	151	247	webqual	webqual	ADJ
abrj-228	151	248	(	(	PUNCT
abrj-228	151	249	ashrafpour	ashrafpour	INTJ
abrj-228	151	250	et	et	PROPN
abrj-228	151	251	al	al	PROPN
abrj-228	151	252	.	.	PROPN
abrj-228	151	253	,	,	PUNCT
abrj-228	151	254	2022	2022	NUM
abrj-228	151	255	;	;	PUNCT
abrj-228	151	256	loiacono	loiacono	NOUN
abrj-228	151	257	et	et	PROPN
abrj-228	151	258	al	al	PROPN
abrj-228	151	259	.	.	PROPN
abrj-228	151	260	,	,	PUNCT
abrj-228	151	261	2002	2002	NUM
abrj-228	151	262	)	)	PUNCT
abrj-228	151	263	information	information	NOUN
abrj-228	151	264	fit	fit	ADJ
abrj-228	151	265	to	to	ADP
abrj-228	151	266	task	task	NOUN
abrj-228	151	267	,	,	PUNCT
abrj-228	151	268	interactivity	interactivity	NOUN
abrj-228	151	269	,	,	PUNCT
abrj-228	151	270	trust	trust	NOUN
abrj-228	151	271	,	,	PUNCT
abrj-228	151	272	responsiveness	responsiveness	NOUN
abrj-228	151	273	,	,	PUNCT
abrj-228	151	274	design	design	NOUN
abrj-228	151	275	,	,	PUNCT
abrj-228	151	276	intuitiveness	intuitiveness	NOUN
abrj-228	151	277	,	,	PUNCT
abrj-228	151	278	visual	visual	ADJ
abrj-228	151	279	appeal	appeal	NOUN
abrj-228	151	280	,	,	PUNCT
abrj-228	151	281	innovativeness	innovativeness	NOUN
abrj-228	151	282	,	,	PUNCT
abrj-228	151	283	websites	website	NOUN
abrj-228	151	284	flow	flow	NOUN
abrj-228	151	285	,	,	PUNCT
abrj-228	151	286	integrated	integrated	ADJ
abrj-228	151	287	communication	communication	NOUN
abrj-228	151	288	,	,	PUNCT
abrj-228	151	289	business	business	NOUN
abrj-228	151	290	process	process	NOUN
abrj-228	151	291	and	and	CCONJ
abrj-228	151	292	viable	viable	ADJ
abrj-228	151	293	substitute	substitute	NOUN
abrj-228	151	294	,	,	PUNCT
abrj-228	151	295	accessibility	accessibility	NOUN
abrj-228	151	296	,	,	PUNCT
abrj-228	151	297	speed	speed	NOUN
abrj-228	151	298	,	,	PUNCT
abrj-228	151	299	navigability	navigability	NOUN
abrj-228	151	300	and	and	CCONJ
abrj-228	151	301	site	site	NOUN
abrj-228	151	302	content	content	NOUN
abrj-228	151	303	e	e	NOUN
abrj-228	151	304	-	-	NOUN
abrj-228	151	305	satisfaction	satisfaction	NOUN
abrj-228	151	306	(	(	PUNCT
abrj-228	151	307	anderson	anderson	PROPN
abrj-228	151	308	and	and	CCONJ
abrj-228	151	309	srinivasan	srinivasan	NOUN
abrj-228	151	310	,	,	PUNCT
abrj-228	151	311	2003	2003	NUM
abrj-228	151	312	)	)	PUNCT
abrj-228	151	313	convenience	convenience	NOUN
abrj-228	151	314	motivation	motivation	NOUN
abrj-228	151	315	,	,	PUNCT
abrj-228	151	316	purchase	purchase	NOUN
abrj-228	151	317	size	size	NOUN
abrj-228	151	318	,	,	PUNCT
abrj-228	151	319	inertia	inertia	NOUN
abrj-228	151	320	,	,	PUNCT
abrj-228	151	321	trust	trust	NOUN
abrj-228	151	322	and	and	CCONJ
abrj-228	151	323	perceived	perceive	VERB
abrj-228	151	324	value	value	NOUN
abrj-228	151	325	e	e	NOUN
abrj-228	151	326	-	-	PUNCT
abrj-228	151	327	s	s	X
abrj-228	151	328	-	-	PUNCT
abrj-228	151	329	qual	qual	ADJ
abrj-228	151	330	and	and	CCONJ
abrj-228	151	331	e	e	NOUN
abrj-228	151	332	-	-	NOUN
abrj-228	151	333	recs	recs	ADJ
abrj-228	151	334	-	-	PUNCT
abrj-228	151	335	qual	qual	ADJ
abrj-228	151	336	(	(	PUNCT
abrj-228	151	337	parasuraman	parasuraman	NOUN
abrj-228	151	338	,	,	PUNCT
abrj-228	151	339	zeithaml	zeithaml	PROPN
abrj-228	151	340	&	&	CCONJ
abrj-228	151	341	malhotra	malhotra	PROPN
abrj-228	151	342	,	,	PUNCT
abrj-228	151	343	2005	2005	NUM
abrj-228	151	344	)	)	PUNCT
abrj-228	151	345	efficiency	efficiency	NOUN
abrj-228	151	346	fulfilment	fulfilment	NOUN
abrj-228	151	347	,	,	PUNCT
abrj-228	151	348	system	system	NOUN
abrj-228	151	349	availability	availability	NOUN
abrj-228	151	350	,	,	PUNCT
abrj-228	151	351	privacy	privacy	NOUN
abrj-228	151	352	,	,	PUNCT
abrj-228	151	353	responsiveness	responsiveness	NOUN
abrj-228	151	354	,	,	PUNCT
abrj-228	151	355	compensation	compensation	NOUN
abrj-228	151	356	and	and	CCONJ
abrj-228	151	357	contact	contact	NOUN
abrj-228	151	358	factors	factor	NOUN
abrj-228	151	359	affecting	affect	VERB
abrj-228	151	360	(	(	PUNCT
abrj-228	151	361	veybitha	veybitha	X
abrj-228	151	362	et	et	PROPN
abrj-228	151	363	al	al	PROPN
abrj-228	151	364	.	.	PROPN
abrj-228	151	365	,	,	PUNCT
abrj-228	151	366	2021	2021	NUM
abrj-228	151	367	)	)	PUNCT
abrj-228	151	368	ease	ease	NOUN
abrj-228	151	369	of	of	ADP
abrj-228	151	370	use	use	NOUN
abrj-228	151	371	,	,	PUNCT
abrj-228	151	372	usefulness	usefulness	NOUN
abrj-228	151	373	,	,	PUNCT
abrj-228	151	374	involvement	involvement	NOUN
abrj-228	151	375	,	,	PUNCT
abrj-228	151	376	information	information	NOUN
abrj-228	151	377	factor	factor	NOUN
abrj-228	151	378	,	,	PUNCT
abrj-228	151	379	convenience	convenience	NOUN
abrj-228	151	380	,	,	PUNCT
abrj-228	151	381	technology	technology	NOUN
abrj-228	151	382	,	,	PUNCT
abrj-228	151	383	community	community	NOUN
abrj-228	151	384	factor	factor	NOUN
abrj-228	151	385	,	,	PUNCT
abrj-228	151	386	entertainment	entertainment	NOUN
abrj-228	151	387	factors	factor	NOUN
abrj-228	151	388	,	,	PUNCT
abrj-228	151	389	brand	brand	NOUN
abrj-228	151	390	name	name	NOUN
abrj-228	151	391	,	,	PUNCT
abrj-228	151	392	price	price	NOUN
abrj-228	151	393	factor	factor	NOUN
abrj-228	151	394	bankzot	bankzot	NOUN
abrj-228	151	395	(	(	PUNCT
abrj-228	151	396	nadiri	nadiri	PROPN
abrj-228	151	397	,	,	PUNCT
abrj-228	151	398	et	et	PROPN
abrj-228	151	399	al	al	PROPN
abrj-228	151	400	.	.	PROPN
abrj-228	151	401	2009	2009	NUM
abrj-228	151	402	)	)	PUNCT
abrj-228	151	403	desired	desire	VERB
abrj-228	151	404	,	,	PUNCT
abrj-228	151	405	adequate	adequate	ADJ
abrj-228	151	406	,	,	PUNCT
abrj-228	151	407	predicted	predict	VERB
abrj-228	151	408	and	and	CCONJ
abrj-228	151	409	perceived	perceive	VERB
abrj-228	151	410	service	service	NOUN
abrj-228	151	411	quality	quality	NOUN
abrj-228	152	1	https://www.emerald.com/insight/search?q=negar%20ashrafpour	https://www.emerald.com/insight/search?q=negar%20ashrafpour	PROPN
abrj-228	152	2	asian	asian	ADJ
abrj-228	152	3	business	business	NOUN
abrj-228	152	4	research	research	NOUN
abrj-228	152	5	journal	journal	NOUN
abrj-228	152	6	,	,	PUNCT
abrj-228	152	7	2024	2024	NUM
abrj-228	152	8	,	,	PUNCT
abrj-228	152	9	9	9	NUM
abrj-228	152	10	:	:	SYM
abrj-228	152	11	127	127	NUM
abrj-228	152	12	-	-	SYM
abrj-228	152	13	134	134	NUM
abrj-228	152	14	132	132	NUM
abrj-228	152	15	©	©	ADP
abrj-228	152	16	2024	2024	NUM
abrj-228	152	17	by	by	ADP
abrj-228	152	18	the	the	DET
abrj-228	152	19	authors	author	NOUN
abrj-228	152	20	;	;	PUNCT
abrj-228	152	21	licensee	licensee	NOUN
abrj-228	152	22	eastern	eastern	ADJ
abrj-228	152	23	centre	centre	NOUN
abrj-228	152	24	of	of	ADP
abrj-228	152	25	science	science	NOUN
abrj-228	152	26	and	and	CCONJ
abrj-228	152	27	education	education	NOUN
abrj-228	152	28	,	,	PUNCT
abrj-228	152	29	usa	usa	PROPN
abrj-228	152	30	figure	figure	NOUN
abrj-228	152	31	4	4	NUM
abrj-228	152	32	.	.	PUNCT
abrj-228	152	33	measurement	measurement	NOUN
abrj-228	152	34	model	model	NOUN
abrj-228	152	35	by	by	ADP
abrj-228	152	36	author	author	NOUN
abrj-228	152	37	.	.	PUNCT
abrj-228	153	1	3.8	3.8	NUM
abrj-228	153	2	.	.	PUNCT
abrj-228	154	1	different	different	ADJ
abrj-228	154	2	factors	factor	NOUN
abrj-228	154	3	affecting	affect	VERB
abrj-228	154	4	customer	customer	NOUN
abrj-228	154	5	satisfaction	satisfaction	NOUN
abrj-228	154	6	there	there	PRON
abrj-228	154	7	is	be	VERB
abrj-228	154	8	limited	limited	ADJ
abrj-228	154	9	literature	literature	NOUN
abrj-228	154	10	on	on	ADP
abrj-228	154	11	the	the	DET
abrj-228	154	12	topic	topic	NOUN
abrj-228	154	13	of	of	ADP
abrj-228	154	14	customer	customer	NOUN
abrj-228	154	15	satisfaction	satisfaction	NOUN
abrj-228	154	16	with	with	ADP
abrj-228	154	17	electronic	electronic	ADJ
abrj-228	154	18	banking	banking	NOUN
abrj-228	154	19	(	(	PUNCT
abrj-228	154	20	e	e	NOUN
abrj-228	154	21	-	-	NOUN
abrj-228	154	22	banking	banking	NOUN
abrj-228	154	23	)	)	PUNCT
abrj-228	154	24	in	in	ADP
abrj-228	154	25	bangladesh	bangladesh	NOUN
abrj-228	154	26	.	.	PUNCT
abrj-228	155	1	this	this	DET
abrj-228	155	2	section	section	NOUN
abrj-228	155	3	consolidates	consolidate	VERB
abrj-228	155	4	a	a	DET
abrj-228	155	5	few	few	ADJ
abrj-228	155	6	studies	study	NOUN
abrj-228	155	7	to	to	PART
abrj-228	155	8	explore	explore	VERB
abrj-228	155	9	the	the	DET
abrj-228	155	10	concept	concept	NOUN
abrj-228	155	11	.	.	PUNCT
abrj-228	156	1	customer	customer	NOUN
abrj-228	156	2	satisfaction	satisfaction	NOUN
abrj-228	156	3	is	be	AUX
abrj-228	156	4	a	a	DET
abrj-228	156	5	measure	measure	NOUN
abrj-228	156	6	of	of	ADP
abrj-228	156	7	how	how	SCONJ
abrj-228	156	8	well	well	ADV
abrj-228	156	9	a	a	DET
abrj-228	156	10	customer	customer	NOUN
abrj-228	156	11	's	's	PART
abrj-228	156	12	purchase	purchase	NOUN
abrj-228	156	13	of	of	ADP
abrj-228	156	14	goods	good	NOUN
abrj-228	156	15	or	or	CCONJ
abrj-228	156	16	services	service	NOUN
abrj-228	156	17	meets	meet	VERB
abrj-228	156	18	their	their	PRON
abrj-228	156	19	expectations	expectation	NOUN
abrj-228	156	20	or	or	CCONJ
abrj-228	156	21	emotional	emotional	ADJ
abrj-228	156	22	state	state	NOUN
abrj-228	156	23	.	.	PUNCT
abrj-228	157	1	it	it	PRON
abrj-228	157	2	is	be	AUX
abrj-228	157	3	essential	essential	ADJ
abrj-228	157	4	for	for	ADP
abrj-228	157	5	businesses	business	NOUN
abrj-228	157	6	as	as	SCONJ
abrj-228	157	7	it	it	PRON
abrj-228	157	8	provides	provide	VERB
abrj-228	157	9	a	a	DET
abrj-228	157	10	quantifiable	quantifiable	ADJ
abrj-228	157	11	metric	metric	NOUN
abrj-228	157	12	for	for	ADP
abrj-228	157	13	further	further	ADJ
abrj-228	157	14	improvement	improvement	NOUN
abrj-228	157	15	and	and	CCONJ
abrj-228	157	16	has	have	AUX
abrj-228	157	17	been	be	AUX
abrj-228	157	18	demonstrated	demonstrate	VERB
abrj-228	157	19	to	to	PART
abrj-228	157	20	lead	lead	VERB
abrj-228	157	21	to	to	ADP
abrj-228	157	22	customer	customer	NOUN
abrj-228	157	23	loyalty	loyalty	NOUN
abrj-228	157	24	in	in	ADP
abrj-228	157	25	bangladesh	bangladesh	NOUN
abrj-228	157	26	.	.	PUNCT
abrj-228	158	1	while	while	SCONJ
abrj-228	158	2	some	some	DET
abrj-228	158	3	researchers	researcher	NOUN
abrj-228	158	4	have	have	AUX
abrj-228	158	5	questioned	question	VERB
abrj-228	158	6	the	the	DET
abrj-228	158	7	role	role	NOUN
abrj-228	158	8	of	of	ADP
abrj-228	158	9	service	service	NOUN
abrj-228	158	10	quality	quality	NOUN
abrj-228	158	11	in	in	ADP
abrj-228	158	12	customer	customer	NOUN
abrj-228	158	13	satisfaction	satisfaction	NOUN
abrj-228	158	14	,	,	PUNCT
abrj-228	158	15	recent	recent	ADJ
abrj-228	158	16	studies	study	NOUN
abrj-228	158	17	have	have	AUX
abrj-228	158	18	found	find	VERB
abrj-228	158	19	a	a	DET
abrj-228	158	20	strong	strong	ADJ
abrj-228	158	21	positive	positive	ADJ
abrj-228	158	22	correlation	correlation	NOUN
abrj-228	158	23	between	between	ADP
abrj-228	158	24	e	e	NOUN
abrj-228	158	25	-	-	ADJ
abrj-228	158	26	banking	banking	ADJ
abrj-228	158	27	service	service	NOUN
abrj-228	158	28	quality	quality	NOUN
abrj-228	158	29	and	and	CCONJ
abrj-228	158	30	customer	customer	NOUN
abrj-228	158	31	satisfaction	satisfaction	NOUN
abrj-228	158	32	in	in	ADP
abrj-228	158	33	bangladesh	bangladesh	NOUN
abrj-228	158	34	.	.	PUNCT
abrj-228	159	1	a	a	DET
abrj-228	159	2	study	study	NOUN
abrj-228	159	3	conducted	conduct	VERB
abrj-228	159	4	by	by	ADP
abrj-228	159	5	ayinaddis	ayinaddi	NOUN
abrj-228	159	6	et	et	PROPN
abrj-228	159	7	al	al	PROPN
abrj-228	159	8	.	.	PROPN
abrj-228	159	9	,	,	PUNCT
abrj-228	159	10	(	(	PUNCT
abrj-228	159	11	2023	2023	NUM
abrj-228	159	12	)	)	PUNCT
abrj-228	159	13	,	,	PUNCT
abrj-228	159	14	bashir	bashir	PROPN
abrj-228	159	15	et	et	PROPN
abrj-228	159	16	al	al	PROPN
abrj-228	159	17	.	.	PROPN
abrj-228	159	18	,	,	PUNCT
abrj-228	159	19	(	(	PUNCT
abrj-228	159	20	2020	2020	NUM
abrj-228	159	21	)	)	PUNCT
abrj-228	159	22	and	and	CCONJ
abrj-228	159	23	bashir	bashir	PROPN
abrj-228	159	24	et	et	PROPN
abrj-228	159	25	al	al	PROPN
abrj-228	159	26	.	.	PROPN
abrj-228	159	27	,	,	PUNCT
abrj-228	159	28	(	(	PUNCT
abrj-228	159	29	2015	2015	NUM
abrj-228	159	30	)	)	PUNCT
abrj-228	159	31	found	find	VERB
abrj-228	159	32	that	that	SCONJ
abrj-228	159	33	service	service	NOUN
abrj-228	159	34	quality	quality	NOUN
abrj-228	159	35	,	,	PUNCT
abrj-228	159	36	information	information	NOUN
abrj-228	159	37	quality	quality	NOUN
abrj-228	159	38	,	,	PUNCT
abrj-228	159	39	and	and	CCONJ
abrj-228	159	40	system	system	NOUN
abrj-228	159	41	quality	quality	NOUN
abrj-228	159	42	are	be	AUX
abrj-228	159	43	the	the	DET
abrj-228	159	44	three	three	NUM
abrj-228	159	45	basic	basic	ADJ
abrj-228	159	46	types	type	NOUN
abrj-228	159	47	of	of	ADP
abrj-228	159	48	e	e	NOUN
abrj-228	159	49	-	-	ADJ
abrj-228	159	50	banking	banking	ADJ
abrj-228	159	51	service	service	NOUN
abrj-228	159	52	qualities	quality	NOUN
abrj-228	159	53	.	.	PUNCT
abrj-228	160	1	the	the	DET
abrj-228	160	2	study	study	NOUN
abrj-228	160	3	's	's	PART
abrj-228	160	4	results	result	NOUN
abrj-228	160	5	demonstrated	demonstrate	VERB
abrj-228	160	6	a	a	DET
abrj-228	160	7	strong	strong	ADJ
abrj-228	160	8	positive	positive	ADJ
abrj-228	160	9	correlation	correlation	NOUN
abrj-228	160	10	between	between	ADP
abrj-228	160	11	service	service	NOUN
abrj-228	160	12	quality	quality	NOUN
abrj-228	160	13	and	and	CCONJ
abrj-228	160	14	customer	customer	NOUN
abrj-228	160	15	satisfaction	satisfaction	NOUN
abrj-228	160	16	,	,	PUNCT
abrj-228	160	17	indicating	indicate	VERB
abrj-228	160	18	that	that	SCONJ
abrj-228	160	19	bangladeshi	bangladeshi	ADJ
abrj-228	160	20	banks	bank	NOUN
abrj-228	160	21	should	should	AUX
abrj-228	160	22	adopt	adopt	VERB
abrj-228	160	23	more	more	ADJ
abrj-228	160	24	customer	customer	NOUN
abrj-228	160	25	satisfaction	satisfaction	NOUN
abrj-228	160	26	-	-	PUNCT
abrj-228	160	27	centric	centric	ADJ
abrj-228	160	28	practices	practice	NOUN
abrj-228	160	29	to	to	PART
abrj-228	160	30	maintain	maintain	VERB
abrj-228	160	31	their	their	PRON
abrj-228	160	32	profit	profit	NOUN
abrj-228	160	33	margin	margin	NOUN
abrj-228	160	34	.	.	PUNCT
abrj-228	161	1	parasuraman	parasuraman	NOUN
abrj-228	161	2	(	(	PUNCT
abrj-228	161	3	2005	2005	NUM
abrj-228	161	4	)	)	PUNCT
abrj-228	161	5	researched	research	VERB
abrj-228	161	6	to	to	PART
abrj-228	161	7	examine	examine	VERB
abrj-228	161	8	the	the	DET
abrj-228	161	9	connection	connection	NOUN
abrj-228	161	10	between	between	ADP
abrj-228	161	11	e	e	NOUN
abrj-228	161	12	-	-	NOUN
abrj-228	161	13	service	service	ADJ
abrj-228	161	14	quality	quality	NOUN
abrj-228	161	15	and	and	CCONJ
abrj-228	161	16	customer	customer	NOUN
abrj-228	161	17	satisfaction	satisfaction	NOUN
abrj-228	161	18	.	.	PUNCT
abrj-228	162	1	e	e	X
abrj-228	162	2	-	-	NOUN
abrj-228	162	3	service	service	ADJ
abrj-228	162	4	quality	quality	NOUN
abrj-228	162	5	was	be	AUX
abrj-228	162	6	divided	divide	VERB
abrj-228	162	7	into	into	ADP
abrj-228	162	8	two	two	NUM
abrj-228	162	9	categories	category	NOUN
abrj-228	162	10	:	:	PUNCT
abrj-228	162	11	core	core	NOUN
abrj-228	162	12	scale	scale	NOUN
abrj-228	162	13	and	and	CCONJ
abrj-228	162	14	recovery	recovery	NOUN
abrj-228	162	15	scale	scale	NOUN
abrj-228	162	16	,	,	PUNCT
abrj-228	162	17	based	base	VERB
abrj-228	162	18	on	on	ADP
abrj-228	162	19	the	the	DET
abrj-228	162	20	e	e	PROPN
abrj-228	162	21	-	-	ADJ
abrj-228	162	22	servqual	servqual	ADJ
abrj-228	162	23	model	model	NOUN
abrj-228	162	24	developed	develop	VERB
abrj-228	162	25	by	by	ADP
abrj-228	162	26	parasuraman	parasuraman	NOUN
abrj-228	162	27	et	et	PROPN
abrj-228	162	28	al	al	PROPN
abrj-228	162	29	.	.	PROPN
abrj-228	162	30	,	,	PUNCT
abrj-228	162	31	(	(	PUNCT
abrj-228	162	32	2005	2005	NUM
abrj-228	162	33	)	)	PUNCT
abrj-228	162	34	and	and	CCONJ
abrj-228	162	35	pradnyadewi	pradnyadewi	NOUN
abrj-228	162	36	&	&	CCONJ
abrj-228	162	37	giantari	giantari	ADJ
abrj-228	162	38	(	(	PUNCT
abrj-228	162	39	2022	2022	NUM
abrj-228	162	40	)	)	PUNCT
abrj-228	162	41	.	.	PUNCT
abrj-228	163	1	according	accord	VERB
abrj-228	163	2	to	to	ADP
abrj-228	163	3	anyasi	anyasi	PROPN
abrj-228	163	4	&	&	CCONJ
abrj-228	163	5	otubu	otubu	PROPN
abrj-228	163	6	(	(	PUNCT
abrj-228	163	7	2009	2009	NUM
abrj-228	163	8	)	)	PUNCT
abrj-228	163	9	,	,	PUNCT
abrj-228	163	10	online	online	ADJ
abrj-228	163	11	banking	banking	NOUN
abrj-228	163	12	has	have	AUX
abrj-228	163	13	created	create	VERB
abrj-228	163	14	a	a	DET
abrj-228	163	15	new	new	ADJ
abrj-228	163	16	banking	banking	NOUN
abrj-228	163	17	environment	environment	NOUN
abrj-228	163	18	and	and	CCONJ
abrj-228	163	19	is	be	AUX
abrj-228	163	20	necessary	necessary	ADJ
abrj-228	163	21	for	for	SCONJ
abrj-228	163	22	banks	bank	NOUN
abrj-228	163	23	to	to	PART
abrj-228	163	24	survive	survive	VERB
abrj-228	163	25	.	.	PUNCT
abrj-228	164	1	the	the	DET
abrj-228	164	2	authors	author	NOUN
abrj-228	164	3	of	of	ADP
abrj-228	164	4	bashir	bashir	PROPN
abrj-228	164	5	et	et	PROPN
abrj-228	164	6	al	al	PROPN
abrj-228	164	7	.	.	PROPN
abrj-228	164	8	,	,	PUNCT
abrj-228	164	9	(	(	PUNCT
abrj-228	164	10	2020	2020	NUM
abrj-228	164	11	)	)	PUNCT
abrj-228	164	12	,	,	PUNCT
abrj-228	164	13	ali	ali	PROPN
abrj-228	164	14	et	et	PROPN
abrj-228	164	15	al	al	PROPN
abrj-228	164	16	.	.	PROPN
abrj-228	164	17	,	,	PUNCT
abrj-228	164	18	(	(	PUNCT
abrj-228	164	19	2019	2019	NUM
abrj-228	164	20	)	)	PUNCT
abrj-228	164	21	and	and	CCONJ
abrj-228	164	22	khan	khan	PROPN
abrj-228	164	23	et	et	PROPN
abrj-228	164	24	al	al	PROPN
abrj-228	164	25	.	.	PROPN
abrj-228	164	26	,	,	PUNCT
abrj-228	164	27	(	(	PUNCT
abrj-228	164	28	2021	2021	NUM
abrj-228	164	29	)	)	PUNCT
abrj-228	164	30	emphasized	emphasize	VERB
abrj-228	164	31	the	the	DET
abrj-228	164	32	significance	significance	NOUN
abrj-228	164	33	of	of	ADP
abrj-228	164	34	security	security	NOUN
abrj-228	164	35	measures	measure	NOUN
abrj-228	164	36	such	such	ADJ
abrj-228	164	37	as	as	ADP
abrj-228	164	38	displaying	display	VERB
abrj-228	164	39	trusted	trust	VERB
abrj-228	164	40	third	third	ADJ
abrj-228	164	41	-	-	PUNCT
abrj-228	164	42	party	party	NOUN
abrj-228	164	43	logos	logo	NOUN
abrj-228	164	44	,	,	PUNCT
abrj-228	164	45	privacy	privacy	NOUN
abrj-228	164	46	statements	statement	NOUN
abrj-228	164	47	,	,	PUNCT
abrj-228	164	48	and	and	CCONJ
abrj-228	164	49	details	detail	NOUN
abrj-228	164	50	about	about	ADP
abrj-228	164	51	the	the	DET
abrj-228	164	52	security	security	NOUN
abrj-228	164	53	of	of	ADP
abrj-228	164	54	shopping	shopping	NOUN
abrj-228	164	55	mechanisms	mechanism	NOUN
abrj-228	164	56	.	.	PUNCT
abrj-228	165	1	despite	despite	SCONJ
abrj-228	165	2	numerous	numerous	ADJ
abrj-228	165	3	security	security	NOUN
abrj-228	165	4	protocols	protocol	NOUN
abrj-228	165	5	,	,	PUNCT
abrj-228	165	6	banks	bank	NOUN
abrj-228	165	7	are	be	AUX
abrj-228	165	8	still	still	ADV
abrj-228	165	9	concerned	concerned	ADJ
abrj-228	165	10	about	about	ADP
abrj-228	165	11	potential	potential	ADJ
abrj-228	165	12	risks	risk	NOUN
abrj-228	165	13	associated	associate	VERB
abrj-228	165	14	with	with	ADP
abrj-228	165	15	internet	internet	NOUN
abrj-228	165	16	transactions	transaction	NOUN
abrj-228	165	17	,	,	PUNCT
abrj-228	165	18	particularly	particularly	ADV
abrj-228	165	19	credit	credit	NOUN
abrj-228	165	20	card	card	NOUN
abrj-228	165	21	and	and	CCONJ
abrj-228	165	22	check	check	VERB
abrj-228	165	23	fraud	fraud	NOUN
abrj-228	165	24	,	,	PUNCT
abrj-228	165	25	according	accord	VERB
abrj-228	165	26	to	to	ADP
abrj-228	165	27	ali	ali	PROPN
abrj-228	165	28	et	et	PROPN
abrj-228	165	29	al	al	PROPN
abrj-228	165	30	.	.	PROPN
abrj-228	165	31	,	,	PUNCT
abrj-228	165	32	(	(	PUNCT
abrj-228	165	33	2015	2015	NUM
abrj-228	165	34	)	)	PUNCT
abrj-228	165	35	and	and	CCONJ
abrj-228	165	36	khan	khan	PROPN
abrj-228	165	37	et	et	PROPN
abrj-228	165	38	al	al	PROPN
abrj-228	165	39	.	.	PROPN
abrj-228	165	40	,	,	PUNCT
abrj-228	165	41	(	(	PUNCT
abrj-228	165	42	2021	2021	NUM
abrj-228	165	43	)	)	PUNCT
abrj-228	165	44	.	.	PUNCT
abrj-228	166	1	the	the	DET
abrj-228	166	2	security	security	NOUN
abrj-228	166	3	of	of	ADP
abrj-228	166	4	internet	internet	NOUN
abrj-228	166	5	banking	banking	NOUN
abrj-228	166	6	is	be	AUX
abrj-228	166	7	something	something	PRON
abrj-228	166	8	that	that	PRON
abrj-228	166	9	banks	bank	NOUN
abrj-228	166	10	cherish	cherish	VERB
abrj-228	166	11	,	,	PUNCT
abrj-228	166	12	but	but	CCONJ
abrj-228	166	13	they	they	PRON
abrj-228	166	14	also	also	ADV
abrj-228	166	15	want	want	VERB
abrj-228	166	16	their	their	PRON
abrj-228	166	17	clients	client	NOUN
abrj-228	166	18	to	to	PART
abrj-228	166	19	feel	feel	VERB
abrj-228	166	20	safe	safe	ADJ
abrj-228	166	21	using	use	VERB
abrj-228	166	22	it	it	PRON
abrj-228	166	23	.	.	PUNCT
abrj-228	167	1	users	user	NOUN
abrj-228	167	2	of	of	ADP
abrj-228	167	3	internet	internet	NOUN
abrj-228	167	4	banking	banking	NOUN
abrj-228	167	5	must	must	AUX
abrj-228	167	6	have	have	VERB
abrj-228	167	7	faith	faith	NOUN
abrj-228	167	8	in	in	ADP
abrj-228	167	9	the	the	DET
abrj-228	167	10	security	security	NOUN
abrj-228	167	11	mechanisms	mechanism	NOUN
abrj-228	167	12	in	in	ADP
abrj-228	167	13	place	place	NOUN
abrj-228	167	14	.	.	PUNCT
abrj-228	168	1	according	accord	VERB
abrj-228	168	2	to	to	ADP
abrj-228	168	3	joseph	joseph	PROPN
abrj-228	168	4	et	et	PROPN
abrj-228	168	5	al	al	PROPN
abrj-228	168	6	.	.	PROPN
abrj-228	168	7	,	,	PUNCT
abrj-228	168	8	(	(	PUNCT
abrj-228	168	9	2003	2003	NUM
abrj-228	168	10	)	)	PUNCT
abrj-228	168	11	,	,	PUNCT
abrj-228	168	12	there	there	PRON
abrj-228	168	13	are	be	VERB
abrj-228	168	14	many	many	ADJ
abrj-228	168	15	different	different	ADJ
abrj-228	168	16	online	online	ADJ
abrj-228	168	17	transactions	transaction	NOUN
abrj-228	168	18	,	,	PUNCT
abrj-228	168	19	including	include	VERB
abrj-228	168	20	consumer	consumer	NOUN
abrj-228	168	21	payments	payment	NOUN
abrj-228	168	22	,	,	PUNCT
abrj-228	168	23	securities	security	NOUN
abrj-228	168	24	transactions	transaction	NOUN
abrj-228	168	25	,	,	PUNCT
abrj-228	168	26	applications	application	NOUN
abrj-228	168	27	for	for	ADP
abrj-228	168	28	loans	loan	NOUN
abrj-228	168	29	and	and	CCONJ
abrj-228	168	30	insurance	insurance	NOUN
abrj-228	168	31	,	,	PUNCT
abrj-228	168	32	and	and	CCONJ
abrj-228	168	33	applications	application	NOUN
abrj-228	168	34	for	for	ADP
abrj-228	168	35	loans	loan	NOUN
abrj-228	168	36	.	.	PUNCT
abrj-228	169	1	while	while	SCONJ
abrj-228	169	2	banks	bank	NOUN
abrj-228	169	3	are	be	AUX
abrj-228	169	4	interested	interested	ADJ
abrj-228	169	5	in	in	ADP
abrj-228	169	6	e	e	NOUN
abrj-228	169	7	-	-	NOUN
abrj-228	169	8	banking	banking	NOUN
abrj-228	169	9	,	,	PUNCT
abrj-228	169	10	according	accord	VERB
abrj-228	169	11	to	to	ADP
abrj-228	169	12	bashir	bashir	PROPN
abrj-228	169	13	et	et	PROPN
abrj-228	169	14	al	al	PROPN
abrj-228	169	15	.	.	PROPN
abrj-228	170	1	(	(	PUNCT
abrj-228	170	2	2018	2018	NUM
abrj-228	170	3	)	)	PUNCT
abrj-228	170	4	and	and	CCONJ
abrj-228	170	5	khan	khan	PROPN
abrj-228	170	6	et	et	PROPN
abrj-228	170	7	al	al	PROPN
abrj-228	170	8	.	.	PROPN
abrj-228	170	9	,	,	PUNCT
abrj-228	170	10	(	(	PUNCT
abrj-228	170	11	2021	2021	NUM
abrj-228	170	12	)	)	PUNCT
abrj-228	170	13	,	,	PUNCT
abrj-228	170	14	they	they	PRON
abrj-228	170	15	are	be	AUX
abrj-228	170	16	also	also	ADV
abrj-228	170	17	worried	worried	ADJ
abrj-228	170	18	about	about	ADP
abrj-228	170	19	the	the	DET
abrj-228	170	20	hazards	hazard	NOUN
abrj-228	170	21	associated	associate	VERB
abrj-228	170	22	with	with	ADP
abrj-228	170	23	online	online	ADJ
abrj-228	170	24	transactions	transaction	NOUN
abrj-228	170	25	,	,	PUNCT
abrj-228	170	26	notably	notably	ADV
abrj-228	170	27	the	the	DET
abrj-228	170	28	potential	potential	NOUN
abrj-228	170	29	for	for	ADP
abrj-228	170	30	check	check	NOUN
abrj-228	170	31	and	and	CCONJ
abrj-228	170	32	credit	credit	NOUN
abrj-228	170	33	card	card	NOUN
abrj-228	170	34	fraud	fraud	NOUN
abrj-228	170	35	.	.	PUNCT
abrj-228	171	1	banks	bank	NOUN
abrj-228	171	2	concentrate	concentrate	VERB
abrj-228	171	3	on	on	ADP
abrj-228	171	4	enhancing	enhance	VERB
abrj-228	171	5	security	security	NOUN
abrj-228	171	6	solutions	solution	NOUN
abrj-228	171	7	for	for	ADP
abrj-228	171	8	the	the	DET
abrj-228	171	9	upcoming	upcoming	ADJ
abrj-228	171	10	generation	generation	NOUN
abrj-228	171	11	to	to	PART
abrj-228	171	12	avoid	avoid	VERB
abrj-228	171	13	such	such	ADJ
abrj-228	171	14	losses	loss	NOUN
abrj-228	171	15	.	.	PUNCT
abrj-228	172	1	if	if	SCONJ
abrj-228	172	2	customers	customer	NOUN
abrj-228	172	3	are	be	AUX
abrj-228	172	4	worried	worried	ADJ
abrj-228	172	5	about	about	ADP
abrj-228	172	6	the	the	DET
abrj-228	172	7	security	security	NOUN
abrj-228	172	8	of	of	ADP
abrj-228	172	9	online	online	ADJ
abrj-228	172	10	banking	banking	NOUN
abrj-228	172	11	,	,	PUNCT
abrj-228	172	12	they	they	PRON
abrj-228	172	13	could	could	AUX
abrj-228	172	14	avoid	avoid	VERB
abrj-228	172	15	it	it	PRON
abrj-228	172	16	.	.	PUNCT
abrj-228	173	1	banks	bank	NOUN
abrj-228	173	2	are	be	AUX
abrj-228	173	3	certain	certain	ADJ
abrj-228	173	4	that	that	SCONJ
abrj-228	173	5	transactions	transaction	NOUN
abrj-228	173	6	made	make	VERB
abrj-228	173	7	through	through	ADP
abrj-228	173	8	online	online	ADJ
abrj-228	173	9	banking	banking	NOUN
abrj-228	173	10	are	be	AUX
abrj-228	173	11	safe	safe	ADJ
abrj-228	173	12	,	,	PUNCT
abrj-228	173	13	but	but	CCONJ
abrj-228	173	14	they	they	PRON
abrj-228	173	15	are	be	AUX
abrj-228	173	16	also	also	ADV
abrj-228	173	17	aware	aware	ADJ
abrj-228	173	18	that	that	SCONJ
abrj-228	173	19	the	the	DET
abrj-228	173	20	security	security	NOUN
abrj-228	173	21	measures	measure	NOUN
abrj-228	173	22	they	they	PRON
abrj-228	173	23	have	have	VERB
abrj-228	173	24	in	in	ADP
abrj-228	173	25	place	place	NOUN
abrj-228	173	26	affect	affect	VERB
abrj-228	173	27	how	how	SCONJ
abrj-228	173	28	satisfied	satisfied	ADJ
abrj-228	173	29	their	their	PRON
abrj-228	173	30	clients	client	NOUN
abrj-228	173	31	are	be	AUX
abrj-228	173	32	.	.	PUNCT
abrj-228	174	1	3.9	3.9	NUM
abrj-228	174	2	.	.	PUNCT
abrj-228	175	1	customers	customer	NOUN
abrj-228	175	2	’	'	PUNCT
abrj-228	175	3	perceived	perceive	VERB
abrj-228	175	4	value	value	NOUN
abrj-228	175	5	customers	customer	NOUN
abrj-228	175	6	‘	'	PUNCT
abrj-228	175	7	perceived	perceive	VERB
abrj-228	175	8	value	value	NOUN
abrj-228	175	9	is	be	AUX
abrj-228	175	10	the	the	DET
abrj-228	175	11	wealth	wealth	NOUN
abrj-228	175	12	of	of	ADP
abrj-228	175	13	an	an	DET
abrj-228	175	14	organization	organization	NOUN
abrj-228	175	15	that	that	PRON
abrj-228	175	16	can	can	AUX
abrj-228	175	17	attract	attract	VERB
abrj-228	175	18	in	in	ADP
abrj-228	175	19	the	the	DET
abrj-228	175	20	mind	mind	NOUN
abrj-228	175	21	of	of	ADP
abrj-228	175	22	e	e	NOUN
abrj-228	175	23	-	-	NOUN
abrj-228	175	24	banking	banking	ADJ
abrj-228	175	25	customers	customer	NOUN
abrj-228	175	26	and	and	CCONJ
abrj-228	175	27	presents	present	VERB
abrj-228	175	28	the	the	DET
abrj-228	175	29	expected	expect	VERB
abrj-228	175	30	consequence	consequence	NOUN
abrj-228	175	31	of	of	ADP
abrj-228	175	32	e	e	NOUN
abrj-228	175	33	-	-	ADJ
abrj-228	175	34	banking	banking	ADJ
abrj-228	175	35	services	service	NOUN
abrj-228	175	36	.	.	PUNCT
abrj-228	176	1	this	this	DET
abrj-228	176	2	perceived	perceive	VERB
abrj-228	176	3	value	value	NOUN
abrj-228	176	4	plays	play	VERB
abrj-228	176	5	the	the	DET
abrj-228	176	6	mediating	mediate	VERB
abrj-228	176	7	role	role	NOUN
abrj-228	176	8	of	of	ADP
abrj-228	176	9	service	service	NOUN
abrj-228	176	10	quality	quality	NOUN
abrj-228	176	11	and	and	CCONJ
abrj-228	176	12	customer	customer	NOUN
abrj-228	176	13	experience	experience	NOUN
abrj-228	176	14	for	for	ADP
abrj-228	176	15	customer	customer	NOUN
abrj-228	176	16	satisfaction	satisfaction	NOUN
abrj-228	176	17	.	.	PUNCT
abrj-228	177	1	the	the	DET
abrj-228	177	2	relationship	relationship	NOUN
abrj-228	177	3	of	of	ADP
abrj-228	177	4	perceived	perceive	VERB
abrj-228	177	5	value	value	NOUN
abrj-228	177	6	is	be	AUX
abrj-228	177	7	emphasized	emphasize	VERB
abrj-228	177	8	and	and	CCONJ
abrj-228	177	9	supported	support	VERB
abrj-228	177	10	by	by	ADP
abrj-228	177	11	the	the	DET
abrj-228	177	12	following	follow	VERB
abrj-228	177	13	literature	literature	NOUN
abrj-228	177	14	.	.	PUNCT
abrj-228	178	1	zeithaml	zeithaml	PROPN
abrj-228	178	2	(	(	PUNCT
abrj-228	178	3	1988	1988	NUM
abrj-228	178	4	)	)	PUNCT
abrj-228	178	5	noted	note	VERB
abrj-228	178	6	that	that	SCONJ
abrj-228	178	7	when	when	SCONJ
abrj-228	178	8	customers	customer	NOUN
abrj-228	178	9	compare	compare	VERB
abrj-228	178	10	the	the	DET
abrj-228	178	11	perceived	perceive	VERB
abrj-228	178	12	benefits	benefit	NOUN
abrj-228	178	13	and	and	CCONJ
abrj-228	178	14	costs	cost	NOUN
abrj-228	178	15	of	of	ADP
abrj-228	178	16	a	a	DET
abrj-228	178	17	particular	particular	ADJ
abrj-228	178	18	product	product	NOUN
abrj-228	178	19	or	or	CCONJ
abrj-228	178	20	service	service	NOUN
abrj-228	178	21	effectiveness	effectiveness	NOUN
abrj-228	178	22	,	,	PUNCT
abrj-228	178	23	it	it	PRON
abrj-228	178	24	is	be	AUX
abrj-228	178	25	known	know	VERB
abrj-228	178	26	as	as	ADP
abrj-228	178	27	customer	customer	NOUN
abrj-228	178	28	perceived	perceive	VERB
abrj-228	178	29	value	value	NOUN
abrj-228	178	30	.	.	PUNCT
abrj-228	179	1	another	another	DET
abrj-228	179	2	scholar	scholar	NOUN
abrj-228	179	3	ulaga	ulaga	NOUN
abrj-228	179	4	and	and	CCONJ
abrj-228	179	5	chacour	chacour	ADJ
abrj-228	179	6	(	(	PUNCT
abrj-228	179	7	2001	2001	NUM
abrj-228	179	8	)	)	PUNCT
abrj-228	179	9	defined	define	VERB
abrj-228	179	10	customer	customer	NOUN
abrj-228	179	11	value	value	NOUN
abrj-228	179	12	as	as	ADP
abrj-228	179	13	a	a	DET
abrj-228	179	14	customer	customer	NOUN
abrj-228	179	15	’s	’s	PART
abrj-228	179	16	perceived	perceive	VERB
abrj-228	179	17	preference	preference	NOUN
abrj-228	179	18	over	over	ADP
abrj-228	179	19	a	a	DET
abrj-228	179	20	product	product	NOUN
abrj-228	179	21	following	follow	VERB
abrj-228	179	22	an	an	DET
abrj-228	179	23	evaluation	evaluation	NOUN
abrj-228	179	24	of	of	ADP
abrj-228	179	25	its	its	PRON
abrj-228	179	26	attributes	attribute	NOUN
abrj-228	179	27	.	.	PUNCT
abrj-228	180	1	so	so	ADV
abrj-228	180	2	,	,	PUNCT
abrj-228	180	3	customer	customer	NOUN
abrj-228	180	4	value	value	NOUN
abrj-228	180	5	can	can	AUX
abrj-228	180	6	be	be	AUX
abrj-228	180	7	identified	identify	VERB
abrj-228	180	8	by	by	ADP
abrj-228	180	9	the	the	DET
abrj-228	180	10	demand	demand	NOUN
abrj-228	180	11	of	of	ADP
abrj-228	180	12	the	the	DET
abrj-228	180	13	customer	customer	NOUN
abrj-228	180	14	instead	instead	ADV
abrj-228	180	15	of	of	ADP
abrj-228	180	16	the	the	DET
abrj-228	180	17	product	product	NOUN
abrj-228	180	18	or	or	CCONJ
abrj-228	180	19	services	service	NOUN
abrj-228	180	20	.	.	PUNCT
abrj-228	181	1	different	different	ADJ
abrj-228	181	2	authors	author	NOUN
abrj-228	181	3	have	have	AUX
abrj-228	181	4	provided	provide	VERB
abrj-228	181	5	different	different	ADJ
abrj-228	181	6	definitions	definition	NOUN
abrj-228	181	7	for	for	ADP
abrj-228	181	8	customer	customer	NOUN
abrj-228	181	9	perceived	perceive	VERB
abrj-228	181	10	value	value	NOUN
abrj-228	181	11	.	.	PUNCT
abrj-228	182	1	but	but	CCONJ
abrj-228	182	2	all	all	DET
abrj-228	182	3	those	those	DET
abrj-228	182	4	definitions	definition	NOUN
abrj-228	182	5	can	can	AUX
abrj-228	182	6	be	be	AUX
abrj-228	182	7	combined	combine	VERB
abrj-228	182	8	into	into	ADP
abrj-228	182	9	two	two	NUM
abrj-228	182	10	main	main	ADJ
abrj-228	182	11	categories	category	NOUN
abrj-228	182	12	.	.	PUNCT
abrj-228	183	1	the	the	DET
abrj-228	183	2	first	first	ADJ
abrj-228	183	3	category	category	NOUN
abrj-228	183	4	such	such	ADJ
abrj-228	183	5	as	as	ADP
abrj-228	183	6	that	that	DET
abrj-228	183	7	customer	customer	NOUN
abrj-228	183	8	perceived	perceive	VERB
abrj-228	183	9	value	value	NOUN
abrj-228	183	10	is	be	AUX
abrj-228	183	11	the	the	DET
abrj-228	183	12	relationship	relationship	NOUN
abrj-228	183	13	between	between	ADP
abrj-228	183	14	the	the	DET
abrj-228	183	15	benefits	benefit	NOUN
abrj-228	183	16	of	of	ADP
abrj-228	183	17	the	the	DET
abrj-228	183	18	service	service	NOUN
abrj-228	183	19	and	and	CCONJ
abrj-228	183	20	the	the	DET
abrj-228	183	21	cost	cost	NOUN
abrj-228	183	22	that	that	PRON
abrj-228	183	23	a	a	DET
abrj-228	183	24	customer	customer	NOUN
abrj-228	183	25	expends	expend	VERB
abrj-228	183	26	to	to	PART
abrj-228	183	27	get	get	VERB
abrj-228	183	28	the	the	DET
abrj-228	183	29	service	service	NOUN
abrj-228	183	30	.	.	PUNCT
abrj-228	184	1	the	the	DET
abrj-228	184	2	second	second	ADJ
abrj-228	184	3	category	category	NOUN
abrj-228	184	4	status	status	NOUN
abrj-228	184	5	that	that	PRON
abrj-228	184	6	customer	customer	NOUN
abrj-228	184	7	perceived	perceive	VERB
abrj-228	184	8	value	value	NOUN
abrj-228	184	9	can	can	AUX
abrj-228	184	10	be	be	AUX
abrj-228	184	11	considered	consider	VERB
abrj-228	184	12	as	as	ADP
abrj-228	184	13	a	a	DET
abrj-228	184	14	multidimensional	multidimensional	ADJ
abrj-228	184	15	construct	construct	NOUN
abrj-228	184	16	.	.	PUNCT
abrj-228	185	1	but	but	CCONJ
abrj-228	185	2	to	to	ADP
abrj-228	185	3	predictor	predictor	NOUN
abrj-228	185	4	customer	customer	NOUN
abrj-228	185	5	behavior	behavior	NOUN
abrj-228	185	6	,	,	PUNCT
abrj-228	185	7	customer	customer	NOUN
abrj-228	185	8	perceived	perceive	VERB
abrj-228	185	9	value	value	NOUN
abrj-228	185	10	is	be	AUX
abrj-228	185	11	very	very	ADV
abrj-228	185	12	important	important	ADJ
abrj-228	185	13	.	.	PUNCT
abrj-228	186	1	because	because	SCONJ
abrj-228	186	2	based	base	VERB
abrj-228	186	3	on	on	ADP
abrj-228	186	4	the	the	DET
abrj-228	186	5	customer	customer	NOUN
abrj-228	186	6	's	's	PART
abrj-228	186	7	perceived	perceive	VERB
abrj-228	186	8	behavior	behavior	NOUN
abrj-228	186	9	it	it	PRON
abrj-228	186	10	is	be	AUX
abrj-228	186	11	possible	possible	ADJ
abrj-228	186	12	to	to	PART
abrj-228	186	13	predict	predict	VERB
abrj-228	186	14	the	the	DET
abrj-228	186	15	customers	customer	NOUN
abrj-228	186	16	'	'	PART
abrj-228	186	17	loyalty	loyalty	NOUN
abrj-228	186	18	to	to	ADP
abrj-228	186	19	the	the	DET
abrj-228	186	20	company	company	NOUN
abrj-228	186	21	(	(	PUNCT
abrj-228	186	22	makanyeza	makanyeza	ADV
abrj-228	186	23	et	et	PROPN
abrj-228	186	24	al	al	PROPN
abrj-228	186	25	.	.	PROPN
abrj-228	186	26	,2015	,2015	PROPN
abrj-228	186	27	)	)	PUNCT
abrj-228	186	28	.	.	PUNCT
abrj-228	187	1	3.10	3.10	NUM
abrj-228	187	2	.	.	PUNCT
abrj-228	187	3	service	service	NOUN
abrj-228	187	4	quality	quality	NOUN
abrj-228	187	5	of	of	ADP
abrj-228	187	6	e	e	NOUN
abrj-228	187	7	-	-	NOUN
abrj-228	187	8	banking	banking	NOUN
abrj-228	187	9	in	in	ADP
abrj-228	187	10	bangladesh	bangladesh	NOUN
abrj-228	187	11	service	service	NOUN
abrj-228	187	12	quality	quality	NOUN
abrj-228	187	13	is	be	AUX
abrj-228	187	14	the	the	DET
abrj-228	187	15	difference	difference	NOUN
abrj-228	187	16	between	between	ADP
abrj-228	187	17	customers	customer	NOUN
abrj-228	187	18	’	’	PART
abrj-228	187	19	expectations	expectation	NOUN
abrj-228	187	20	and	and	CCONJ
abrj-228	187	21	perceptions	perception	NOUN
abrj-228	187	22	of	of	ADP
abrj-228	187	23	a	a	DET
abrj-228	187	24	service	service	NOUN
abrj-228	187	25	.	.	PUNCT
abrj-228	188	1	it	it	PRON
abrj-228	188	2	can	can	AUX
abrj-228	188	3	be	be	AUX
abrj-228	188	4	measured	measure	VERB
abrj-228	188	5	by	by	ADP
abrj-228	188	6	various	various	ADJ
abrj-228	188	7	dimensions	dimension	NOUN
abrj-228	188	8	,	,	PUNCT
abrj-228	188	9	such	such	ADJ
abrj-228	188	10	as	as	ADP
abrj-228	188	11	reliability	reliability	NOUN
abrj-228	188	12	,	,	PUNCT
abrj-228	188	13	responsiveness	responsiveness	NOUN
abrj-228	188	14	,	,	PUNCT
abrj-228	188	15	assurance	assurance	NOUN
abrj-228	188	16	,	,	PUNCT
abrj-228	188	17	empathy	empathy	NOUN
abrj-228	188	18	,	,	PUNCT
abrj-228	188	19	and	and	CCONJ
abrj-228	188	20	tangibles	tangible	NOUN
abrj-228	188	21	.	.	PUNCT
abrj-228	189	1	service	service	NOUN
abrj-228	189	2	quality	quality	NOUN
abrj-228	189	3	can	can	AUX
abrj-228	189	4	also	also	ADV
abrj-228	189	5	be	be	AUX
abrj-228	189	6	influenced	influence	VERB
abrj-228	189	7	by	by	ADP
abrj-228	189	8	the	the	DET
abrj-228	189	9	physical	physical	ADJ
abrj-228	189	10	,	,	PUNCT
abrj-228	189	11	interactive	interactive	ADJ
abrj-228	189	12	,	,	PUNCT
abrj-228	189	13	and	and	CCONJ
abrj-228	189	14	corporate	corporate	ADJ
abrj-228	189	15	aspects	aspect	NOUN
abrj-228	189	16	of	of	ADP
abrj-228	189	17	the	the	DET
abrj-228	189	18	service	service	NOUN
abrj-228	189	19	delivery	delivery	NOUN
abrj-228	189	20	.	.	PUNCT
abrj-228	190	1	different	different	ADJ
abrj-228	190	2	services	service	NOUN
abrj-228	190	3	have	have	VERB
abrj-228	190	4	different	different	ADJ
abrj-228	190	5	characteristics	characteristic	NOUN
abrj-228	190	6	and	and	CCONJ
abrj-228	190	7	require	require	VERB
abrj-228	190	8	different	different	ADJ
abrj-228	190	9	approaches	approach	NOUN
abrj-228	190	10	to	to	PART
abrj-228	190	11	ensure	ensure	VERB
abrj-228	190	12	quality	quality	NOUN
abrj-228	190	13	.	.	PUNCT
abrj-228	191	1	e	e	X
abrj-228	191	2	-	-	NOUN
abrj-228	191	3	banking	banking	NOUN
abrj-228	191	4	is	be	AUX
abrj-228	191	5	a	a	DET
abrj-228	191	6	service	service	NOUN
abrj-228	191	7	that	that	SCONJ
abrj-228	191	8	asian	asian	ADJ
abrj-228	191	9	business	business	NOUN
abrj-228	191	10	research	research	NOUN
abrj-228	191	11	journal	journal	NOUN
abrj-228	191	12	,	,	PUNCT
abrj-228	191	13	2024	2024	NUM
abrj-228	191	14	,	,	PUNCT
abrj-228	191	15	9	9	NUM
abrj-228	191	16	:	:	SYM
abrj-228	191	17	127	127	NUM
abrj-228	191	18	-	-	SYM
abrj-228	191	19	134	134	NUM
abrj-228	191	20	133	133	NUM
abrj-228	191	21	©	©	ADP
abrj-228	191	22	2024	2024	NUM
abrj-228	191	23	by	by	ADP
abrj-228	191	24	the	the	DET
abrj-228	191	25	authors	author	NOUN
abrj-228	191	26	;	;	PUNCT
abrj-228	191	27	licensee	licensee	NOUN
abrj-228	191	28	eastern	eastern	ADJ
abrj-228	191	29	centre	centre	NOUN
abrj-228	191	30	of	of	ADP
abrj-228	191	31	science	science	NOUN
abrj-228	191	32	and	and	CCONJ
abrj-228	191	33	education	education	NOUN
abrj-228	191	34	,	,	PUNCT
abrj-228	191	35	usa	usa	PROPN
abrj-228	191	36	relies	rely	VERB
abrj-228	191	37	on	on	ADP
abrj-228	191	38	human	human	ADJ
abrj-228	191	39	-	-	PUNCT
abrj-228	191	40	internet	internet	NOUN
abrj-228	191	41	interaction	interaction	NOUN
abrj-228	191	42	and	and	CCONJ
abrj-228	191	43	information	information	NOUN
abrj-228	191	44	and	and	CCONJ
abrj-228	191	45	communication	communication	NOUN
abrj-228	191	46	technology	technology	NOUN
abrj-228	191	47	to	to	PART
abrj-228	191	48	provide	provide	VERB
abrj-228	191	49	financial	financial	ADJ
abrj-228	191	50	services	service	NOUN
abrj-228	191	51	to	to	ADP
abrj-228	191	52	customers	customer	NOUN
abrj-228	191	53	.	.	PUNCT
abrj-228	192	1	e	e	X
abrj-228	192	2	-	-	ADJ
abrj-228	192	3	banking	banking	ADJ
abrj-228	192	4	service	service	NOUN
abrj-228	192	5	quality	quality	NOUN
abrj-228	192	6	can	can	AUX
abrj-228	192	7	affect	affect	VERB
abrj-228	192	8	customer	customer	NOUN
abrj-228	192	9	satisfaction	satisfaction	NOUN
abrj-228	192	10	,	,	PUNCT
abrj-228	192	11	as	as	ADV
abrj-228	192	12	well	well	ADV
abrj-228	192	13	as	as	ADP
abrj-228	192	14	the	the	DET
abrj-228	192	15	competitive	competitive	ADJ
abrj-228	192	16	advantage	advantage	NOUN
abrj-228	192	17	of	of	ADP
abrj-228	192	18	ebanking	ebanking	ADJ
abrj-228	192	19	providers	provider	NOUN
abrj-228	192	20	.	.	PUNCT
abrj-228	193	1	3.11	3.11	NUM
abrj-228	193	2	.	.	PUNCT
abrj-228	193	3	customer	customer	NOUN
abrj-228	193	4	experience	experience	NOUN
abrj-228	193	5	in	in	ADP
abrj-228	193	6	bangladesh	bangladesh	PROPN
abrj-228	193	7	e	e	NOUN
abrj-228	193	8	-	-	ADJ
abrj-228	193	9	banking	banking	ADJ
abrj-228	193	10	service	service	NOUN
abrj-228	193	11	delivery	delivery	NOUN
abrj-228	193	12	past	past	ADP
abrj-228	193	13	research	research	NOUN
abrj-228	193	14	on	on	ADP
abrj-228	193	15	customer	customer	NOUN
abrj-228	193	16	behavior	behavior	NOUN
abrj-228	193	17	in	in	ADP
abrj-228	193	18	various	various	ADJ
abrj-228	193	19	fields	field	NOUN
abrj-228	193	20	,	,	PUNCT
abrj-228	193	21	including	include	VERB
abrj-228	193	22	banking	banking	NOUN
abrj-228	193	23	,	,	PUNCT
abrj-228	193	24	has	have	AUX
abrj-228	193	25	explored	explore	VERB
abrj-228	193	26	how	how	SCONJ
abrj-228	193	27	demographic	demographic	ADJ
abrj-228	193	28	factors	factor	NOUN
abrj-228	193	29	such	such	ADJ
abrj-228	193	30	as	as	ADP
abrj-228	193	31	age	age	NOUN
abrj-228	193	32	,	,	PUNCT
abrj-228	193	33	gender	gender	NOUN
abrj-228	193	34	,	,	PUNCT
abrj-228	193	35	income	income	NOUN
abrj-228	193	36	,	,	PUNCT
abrj-228	193	37	and	and	CCONJ
abrj-228	193	38	education	education	NOUN
abrj-228	193	39	level	level	NOUN
abrj-228	193	40	impact	impact	NOUN
abrj-228	193	41	customer	customer	NOUN
abrj-228	193	42	behavior	behavior	NOUN
abrj-228	193	43	.	.	PUNCT
abrj-228	194	1	this	this	DET
abrj-228	194	2	study	study	NOUN
abrj-228	194	3	aims	aim	VERB
abrj-228	194	4	to	to	PART
abrj-228	194	5	enhance	enhance	VERB
abrj-228	194	6	the	the	DET
abrj-228	194	7	integrative	integrative	ADJ
abrj-228	194	8	customer	customer	NOUN
abrj-228	194	9	experience	experience	NOUN
abrj-228	194	10	model	model	NOUN
abrj-228	194	11	in	in	ADP
abrj-228	194	12	bangladesh	bangladesh	PROPN
abrj-228	194	13	's	's	PART
abrj-228	194	14	e	e	NOUN
abrj-228	194	15	-	-	ADJ
abrj-228	194	16	banking	banking	ADJ
abrj-228	194	17	service	service	NOUN
abrj-228	194	18	delivery	delivery	NOUN
abrj-228	194	19	.	.	PUNCT
abrj-228	195	1	the	the	DET
abrj-228	195	2	existing	exist	VERB
abrj-228	195	3	model	model	NOUN
abrj-228	195	4	has	have	VERB
abrj-228	195	5	certain	certain	ADJ
abrj-228	195	6	shortcomings	shortcoming	NOUN
abrj-228	195	7	,	,	PUNCT
abrj-228	195	8	and	and	CCONJ
abrj-228	195	9	this	this	DET
abrj-228	195	10	study	study	NOUN
abrj-228	195	11	intends	intend	VERB
abrj-228	195	12	to	to	PART
abrj-228	195	13	investigate	investigate	VERB
abrj-228	195	14	further	further	ADJ
abrj-228	195	15	driver	driver	NOUN
abrj-228	195	16	influences	influence	NOUN
abrj-228	195	17	that	that	PRON
abrj-228	195	18	affect	affect	VERB
abrj-228	195	19	the	the	DET
abrj-228	195	20	perception	perception	NOUN
abrj-228	195	21	and	and	CCONJ
abrj-228	195	22	attitude	attitude	NOUN
abrj-228	195	23	toward	toward	ADP
abrj-228	195	24	e	e	NOUN
abrj-228	195	25	-	-	ADJ
abrj-228	195	26	banking	banking	ADJ
abrj-228	195	27	adoption	adoption	NOUN
abrj-228	195	28	in	in	ADP
abrj-228	195	29	bangladesh	bangladesh	NOUN
abrj-228	195	30	.	.	PUNCT
abrj-228	196	1	thus	thus	ADV
abrj-228	196	2	,	,	PUNCT
abrj-228	196	3	the	the	DET
abrj-228	196	4	primary	primary	ADJ
abrj-228	196	5	goal	goal	NOUN
abrj-228	196	6	of	of	ADP
abrj-228	196	7	this	this	DET
abrj-228	196	8	research	research	NOUN
abrj-228	196	9	is	be	AUX
abrj-228	196	10	to	to	PART
abrj-228	196	11	develop	develop	VERB
abrj-228	196	12	a	a	DET
abrj-228	196	13	more	more	ADV
abrj-228	196	14	extensive	extensive	ADJ
abrj-228	196	15	comprehensive	comprehensive	ADJ
abrj-228	196	16	model	model	NOUN
abrj-228	196	17	for	for	ADP
abrj-228	196	18	customer	customer	NOUN
abrj-228	196	19	experience	experience	NOUN
abrj-228	196	20	and	and	CCONJ
abrj-228	196	21	customer	customer	NOUN
abrj-228	196	22	satisfaction	satisfaction	NOUN
abrj-228	196	23	with	with	ADP
abrj-228	196	24	e	e	NOUN
abrj-228	196	25	-	-	ADJ
abrj-228	196	26	banking	banking	ADJ
abrj-228	196	27	services	service	NOUN
abrj-228	196	28	in	in	ADP
abrj-228	196	29	bangladesh	bangladesh	NOUN
abrj-228	196	30	.	.	PUNCT
abrj-228	197	1	4	4	X
abrj-228	197	2	.	.	X
abrj-228	197	3	conclusions	conclusion	NOUN
abrj-228	197	4	this	this	DET
abrj-228	197	5	study	study	NOUN
abrj-228	197	6	aims	aim	VERB
abrj-228	197	7	to	to	PART
abrj-228	197	8	identify	identify	VERB
abrj-228	197	9	gaps	gap	NOUN
abrj-228	197	10	in	in	ADP
abrj-228	197	11	the	the	DET
abrj-228	197	12	literature	literature	NOUN
abrj-228	197	13	regarding	regard	VERB
abrj-228	197	14	the	the	DET
abrj-228	197	15	development	development	NOUN
abrj-228	197	16	of	of	ADP
abrj-228	197	17	an	an	DET
abrj-228	197	18	integrated	integrated	ADJ
abrj-228	197	19	model	model	NOUN
abrj-228	197	20	for	for	ADP
abrj-228	197	21	ebanking	ebanke	VERB
abrj-228	197	22	usage	usage	NOUN
abrj-228	197	23	that	that	PRON
abrj-228	197	24	incorporates	incorporate	VERB
abrj-228	197	25	customers	customer	NOUN
abrj-228	197	26	'	'	PART
abrj-228	197	27	perceptions	perception	NOUN
abrj-228	197	28	and	and	CCONJ
abrj-228	197	29	opinions	opinion	NOUN
abrj-228	197	30	about	about	ADP
abrj-228	197	31	e	e	NOUN
abrj-228	197	32	-	-	NOUN
abrj-228	197	33	banking	banking	NOUN
abrj-228	197	34	.	.	PUNCT
abrj-228	198	1	the	the	DET
abrj-228	198	2	proposed	propose	VERB
abrj-228	198	3	research	research	NOUN
abrj-228	198	4	model	model	NOUN
abrj-228	198	5	provides	provide	VERB
abrj-228	198	6	a	a	DET
abrj-228	198	7	holistic	holistic	ADJ
abrj-228	198	8	outlook	outlook	NOUN
abrj-228	198	9	on	on	ADP
abrj-228	198	10	e	e	NOUN
abrj-228	198	11	-	-	ADJ
abrj-228	198	12	banking	banking	ADJ
abrj-228	198	13	use	use	NOUN
abrj-228	198	14	,	,	PUNCT
abrj-228	198	15	considering	consider	VERB
abrj-228	198	16	personality	personality	NOUN
abrj-228	198	17	dimensions	dimension	NOUN
abrj-228	198	18	and	and	CCONJ
abrj-228	198	19	interplay	interplay	NOUN
abrj-228	198	20	among	among	ADP
abrj-228	198	21	various	various	ADJ
abrj-228	198	22	factors	factor	NOUN
abrj-228	198	23	that	that	PRON
abrj-228	198	24	present	present	ADJ
abrj-228	198	25	trade	trade	NOUN
abrj-228	198	26	-	-	PUNCT
abrj-228	198	27	offs	off	NOUN
abrj-228	198	28	and	and	CCONJ
abrj-228	198	29	alternatives	alternative	NOUN
abrj-228	198	30	to	to	ADP
abrj-228	198	31	processes	process	NOUN
abrj-228	198	32	that	that	PRON
abrj-228	198	33	require	require	VERB
abrj-228	198	34	human	human	ADJ
abrj-228	198	35	decision	decision	NOUN
abrj-228	198	36	-	-	PUNCT
abrj-228	198	37	making	making	NOUN
abrj-228	198	38	.	.	PUNCT
abrj-228	199	1	the	the	DET
abrj-228	199	2	model	model	NOUN
abrj-228	199	3	includes	include	VERB
abrj-228	199	4	pertinent	pertinent	ADJ
abrj-228	199	5	variables	variable	NOUN
abrj-228	199	6	such	such	ADJ
abrj-228	199	7	as	as	ADP
abrj-228	199	8	users	user	NOUN
abrj-228	199	9	'	'	PART
abrj-228	199	10	age	age	NOUN
abrj-228	199	11	,	,	PUNCT
abrj-228	199	12	gender	gender	NOUN
abrj-228	199	13	,	,	PUNCT
abrj-228	199	14	and	and	CCONJ
abrj-228	199	15	computer	computer	NOUN
abrj-228	199	16	expertise	expertise	NOUN
abrj-228	199	17	.	.	PUNCT
abrj-228	200	1	this	this	DET
abrj-228	200	2	study	study	NOUN
abrj-228	200	3	has	have	VERB
abrj-228	200	4	practical	practical	ADJ
abrj-228	200	5	implications	implication	NOUN
abrj-228	200	6	as	as	SCONJ
abrj-228	200	7	it	it	PRON
abrj-228	200	8	uncovers	uncover	VERB
abrj-228	200	9	motivating	motivate	VERB
abrj-228	200	10	factors	factor	NOUN
abrj-228	200	11	and	and	CCONJ
abrj-228	200	12	barriers	barrier	NOUN
abrj-228	200	13	to	to	ADP
abrj-228	200	14	e	e	NOUN
abrj-228	200	15	-	-	NOUN
abrj-228	200	16	banking	banking	ADJ
abrj-228	200	17	usage	usage	NOUN
abrj-228	200	18	and	and	CCONJ
abrj-228	200	19	assists	assist	VERB
abrj-228	200	20	stakeholders	stakeholder	NOUN
abrj-228	200	21	in	in	ADP
abrj-228	200	22	the	the	DET
abrj-228	200	23	echannel	echannel	NOUN
abrj-228	200	24	industry	industry	NOUN
abrj-228	200	25	comprehend	comprehend	VERB
abrj-228	200	26	the	the	DET
abrj-228	200	27	complex	complex	ADJ
abrj-228	200	28	interactions	interaction	NOUN
abrj-228	200	29	between	between	ADP
abrj-228	200	30	various	various	ADJ
abrj-228	200	31	factors	factor	NOUN
abrj-228	200	32	.	.	PUNCT
abrj-228	201	1	the	the	DET
abrj-228	201	2	findings	finding	NOUN
abrj-228	201	3	of	of	ADP
abrj-228	201	4	this	this	DET
abrj-228	201	5	study	study	NOUN
abrj-228	201	6	can	can	AUX
abrj-228	201	7	help	help	VERB
abrj-228	201	8	bank	bank	NOUN
abrj-228	201	9	managers	manager	NOUN
abrj-228	201	10	and	and	CCONJ
abrj-228	201	11	other	other	ADJ
abrj-228	201	12	stakeholders	stakeholder	NOUN
abrj-228	201	13	enhance	enhance	VERB
abrj-228	201	14	their	their	PRON
abrj-228	201	15	e	e	NOUN
abrj-228	201	16	-	-	ADJ
abrj-228	201	17	banking	banking	ADJ
abrj-228	201	18	services	service	NOUN
abrj-228	201	19	.	.	PUNCT
abrj-228	202	1	references	reference	NOUN
abrj-228	202	2	ajzen	ajzen	PROPN
abrj-228	202	3	,	,	PUNCT
abrj-228	202	4	i.	i.	NOUN
abrj-228	202	5	(	(	PUNCT
abrj-228	202	6	1991	1991	NUM
abrj-228	202	7	)	)	PUNCT
abrj-228	202	8	.	.	PUNCT
abrj-228	203	1	the	the	DET
abrj-228	203	2	theory	theory	NOUN
abrj-228	203	3	of	of	ADP
abrj-228	203	4	planned	plan	VERB
abrj-228	203	5	behavior	behavior	NOUN
abrj-228	203	6	.	.	PUNCT
abrj-228	204	1	organizational	organizational	ADJ
abrj-228	204	2	behavior	behavior	NOUN
abrj-228	204	3	and	and	CCONJ
abrj-228	204	4	human	human	ADJ
abrj-228	204	5	decision	decision	NOUN
abrj-228	204	6	processes	process	NOUN
abrj-228	204	7	,	,	PUNCT
abrj-228	204	8	50(2	50(2	NUM
abrj-228	204	9	)	)	PUNCT
abrj-228	204	10	,	,	PUNCT
abrj-228	204	11	179	179	NUM
abrj-228	204	12	-	-	SYM
abrj-228	204	13	211	211	NUM
abrj-228	204	14	.	.	PUNCT
abrj-228	205	1	ali	ali	PROPN
abrj-228	205	2	,	,	PUNCT
abrj-228	205	3	m.	m.	PROPN
abrj-228	205	4	h.	h.	PROPN
abrj-228	205	5	,	,	PUNCT
abrj-228	205	6	bashir	bashir	PROPN
abrj-228	205	7	,	,	PUNCT
abrj-228	205	8	m.	m.	NOUN
abrj-228	205	9	a.	a.	PROPN
abrj-228	205	10	,	,	PUNCT
abrj-228	205	11	rahman	rahman	PROPN
abrj-228	205	12	,	,	PUNCT
abrj-228	205	13	m.	m.	NOUN
abrj-228	205	14	m.	m.	NOUN
abrj-228	205	15	,	,	PUNCT
abrj-228	205	16	wai	wai	PROPN
abrj-228	205	17	,	,	PUNCT
abrj-228	205	18	l.	l.	PROPN
abrj-228	205	19	m.	m.	PROPN
abrj-228	205	20	,	,	PUNCT
abrj-228	205	21	rahman	rahman	PROPN
abrj-228	205	22	,	,	PUNCT
abrj-228	205	23	m.	m.	NOUN
abrj-228	205	24	a.	a.	PROPN
abrj-228	205	25	,	,	PUNCT
abrj-228	205	26	&	&	CCONJ
abrj-228	205	27	hamid	hamid	PROPN
abrj-228	205	28	,	,	PUNCT
abrj-228	205	29	a.	a.	PROPN
abrj-228	205	30	b.	b.	PROPN
abrj-228	205	31	a.	a.	PROPN
abrj-228	205	32	(	(	PUNCT
abrj-228	205	33	2019	2019	NUM
abrj-228	205	34	)	)	PUNCT
abrj-228	205	35	.	.	PUNCT
abrj-228	206	1	relationships	relationship	NOUN
abrj-228	206	2	between	between	ADP
abrj-228	206	3	service	service	NOUN
abrj-228	206	4	quality	quality	NOUN
abrj-228	206	5	,	,	PUNCT
abrj-228	206	6	customer	customer	NOUN
abrj-228	206	7	experience	experience	NOUN
abrj-228	206	8	and	and	CCONJ
abrj-228	206	9	customer	customer	NOUN
abrj-228	206	10	satisfaction	satisfaction	NOUN
abrj-228	206	11	of	of	ADP
abrj-228	206	12	e	e	NOUN
abrj-228	206	13	-	-	NOUN
abrj-228	206	14	banking	banking	NOUN
abrj-228	206	15	in	in	ADP
abrj-228	206	16	bangladesh	bangladesh	PROPN
abrj-228	206	17	.	.	PUNCT
abrj-228	207	1	journal	journal	PROPN
abrj-228	207	2	of	of	ADP
abrj-228	207	3	advanced	advanced	ADJ
abrj-228	207	4	research	research	NOUN
abrj-228	207	5	in	in	ADP
abrj-228	207	6	business	business	NOUN
abrj-228	207	7	and	and	CCONJ
abrj-228	207	8	management	management	NOUN
abrj-228	207	9	studies	study	NOUN
abrj-228	207	10	,	,	PUNCT
abrj-228	207	11	15(1	15(1	NUM
abrj-228	207	12	)	)	PUNCT
abrj-228	207	13	,	,	PUNCT
abrj-228	207	14	23	23	NUM
abrj-228	207	15	-	-	SYM
abrj-228	207	16	32	32	NUM
abrj-228	207	17	.	.	PUNCT
abrj-228	208	1	ali	ali	PROPN
abrj-228	208	2	,	,	PUNCT
abrj-228	208	3	m.	m.	NOUN
abrj-228	208	4	i.	i.	PROPN
abrj-228	208	5	,	,	PUNCT
abrj-228	208	6	bashir	bashir	PROPN
abrj-228	208	7	,	,	PUNCT
abrj-228	208	8	m.	m.	NOUN
abrj-228	208	9	a.	a.	PROPN
abrj-228	208	10	,	,	PUNCT
abrj-228	208	11	&	&	CCONJ
abrj-228	208	12	basher	basher	NOUN
abrj-228	208	13	,	,	PUNCT
abrj-228	208	14	m.	m.	NOUN
abrj-228	208	15	a.	a.	NOUN
abrj-228	208	16	(	(	PUNCT
abrj-228	208	17	2015	2015	NUM
abrj-228	208	18	)	)	PUNCT
abrj-228	208	19	.	.	PUNCT
abrj-228	209	1	measuring	measure	VERB
abrj-228	209	2	customer	customer	NOUN
abrj-228	209	3	satisfaction	satisfaction	NOUN
abrj-228	209	4	of	of	ADP
abrj-228	209	5	ebanking	ebanke	VERB
abrj-228	209	6	in	in	ADP
abrj-228	209	7	bangladesh	bangladesh	PROPN
abrj-228	209	8	.	.	PUNCT
abrj-228	210	1	development	development	NOUN
abrj-228	210	2	compilation	compilation	PROPN
abrj-228	210	3	,	,	PUNCT
abrj-228	210	4	11(1	11(1	NUM
abrj-228	210	5	)	)	PUNCT
abrj-228	210	6	,	,	PUNCT
abrj-228	210	7	104	104	NUM
abrj-228	210	8	-	-	SYM
abrj-228	210	9	116	116	NUM
abrj-228	210	10	.	.	PUNCT
abrj-228	211	1	al	al	PROPN
abrj-228	211	2	-	-	PUNCT
abrj-228	211	3	somali	somali	PROPN
abrj-228	211	4	,	,	PUNCT
abrj-228	211	5	s.	s.	PROPN
abrj-228	211	6	a.	a.	PROPN
abrj-228	211	7	,	,	PUNCT
abrj-228	211	8	gholami	gholami	PROPN
abrj-228	211	9	,	,	PUNCT
abrj-228	211	10	r.	r.	PROPN
abrj-228	211	11	,	,	PUNCT
abrj-228	211	12	&	&	CCONJ
abrj-228	211	13	clegg	clegg	PROPN
abrj-228	211	14	,	,	PUNCT
abrj-228	211	15	b.	b.	PROPN
abrj-228	211	16	(	(	PUNCT
abrj-228	211	17	2009	2009	NUM
abrj-228	211	18	)	)	PUNCT
abrj-228	211	19	.	.	PUNCT
abrj-228	212	1	an	an	DET
abrj-228	212	2	investigation	investigation	NOUN
abrj-228	212	3	into	into	ADP
abrj-228	212	4	the	the	DET
abrj-228	212	5	acceptance	acceptance	NOUN
abrj-228	212	6	of	of	ADP
abrj-228	212	7	online	online	ADJ
abrj-228	212	8	banking	banking	NOUN
abrj-228	212	9	in	in	ADP
abrj-228	212	10	saudi	saudi	PROPN
abrj-228	212	11	arabia	arabia	PROPN
abrj-228	212	12	.	.	PUNCT
abrj-228	213	1	technovation	technovation	NOUN
abrj-228	213	2	,	,	PUNCT
abrj-228	213	3	29(2	29(2	NUM
abrj-228	213	4	)	)	PUNCT
abrj-228	213	5	,	,	PUNCT
abrj-228	213	6	130	130	NUM
abrj-228	213	7	-	-	SYM
abrj-228	213	8	141	141	NUM
abrj-228	213	9	.	.	PUNCT
abrj-228	214	1	https://doi.org/10.1016/j.technovation.2008.07.004	https://doi.org/10.1016/j.technovation.2008.07.004	PROPN
abrj-228	214	2	anyasi	anyasi	PROPN
abrj-228	214	3	,	,	PUNCT
abrj-228	214	4	f.	f.	PROPN
abrj-228	214	5	,	,	PUNCT
abrj-228	214	6	&	&	CCONJ
abrj-228	214	7	otubu	otubu	ADJ
abrj-228	214	8	,	,	PUNCT
abrj-228	214	9	p.	p.	NOUN
abrj-228	214	10	(	(	PUNCT
abrj-228	214	11	2009	2009	NUM
abrj-228	214	12	)	)	PUNCT
abrj-228	214	13	.	.	PUNCT
abrj-228	215	1	mobile	mobile	ADJ
abrj-228	215	2	phone	phone	NOUN
abrj-228	215	3	technology	technology	NOUN
abrj-228	215	4	in	in	ADP
abrj-228	215	5	banking	banking	NOUN
abrj-228	215	6	system	system	NOUN
abrj-228	215	7	:	:	PUNCT
abrj-228	215	8	its	its	PRON
abrj-228	215	9	economic	economic	ADJ
abrj-228	215	10	effect	effect	NOUN
abrj-228	215	11	.	.	PUNCT
abrj-228	216	1	research	research	NOUN
abrj-228	216	2	journal	journal	PROPN
abrj-228	216	3	of	of	ADP
abrj-228	216	4	information	information	NOUN
abrj-228	216	5	,	,	PUNCT
abrj-228	216	6	1(1	1(1	NUM
abrj-228	216	7	)	)	PUNCT
abrj-228	216	8	,	,	PUNCT
abrj-228	216	9	1–5	1–5	PROPN
abrj-228	216	10	.	.	PUNCT
abrj-228	216	11	ayinaddis	ayinaddis	PROPN
abrj-228	216	12	,	,	PUNCT
abrj-228	216	13	s.	s.	PROPN
abrj-228	216	14	g.	g.	PROPN
abrj-228	216	15	,	,	PUNCT
abrj-228	216	16	taye	taye	PROPN
abrj-228	216	17	,	,	PUNCT
abrj-228	216	18	b.	b.	PROPN
abrj-228	216	19	a.	a.	PROPN
abrj-228	216	20	,	,	PUNCT
abrj-228	216	21	&	&	CCONJ
abrj-228	216	22	yirsaw	yirsaw	PROPN
abrj-228	216	23	,	,	PUNCT
abrj-228	216	24	b.	b.	PROPN
abrj-228	216	25	g.	g.	PROPN
abrj-228	216	26	(	(	PUNCT
abrj-228	216	27	2023	2023	NUM
abrj-228	216	28	)	)	PUNCT
abrj-228	216	29	.	.	PUNCT
abrj-228	217	1	examining	examine	VERB
abrj-228	217	2	the	the	DET
abrj-228	217	3	effect	effect	NOUN
abrj-228	217	4	of	of	ADP
abrj-228	217	5	electronic	electronic	ADJ
abrj-228	217	6	banking	banking	NOUN
abrj-228	217	7	service	service	NOUN
abrj-228	217	8	quality	quality	NOUN
abrj-228	217	9	on	on	ADP
abrj-228	217	10	customer	customer	NOUN
abrj-228	217	11	satisfaction	satisfaction	NOUN
abrj-228	217	12	and	and	CCONJ
abrj-228	217	13	loyalty	loyalty	NOUN
abrj-228	217	14	:	:	PUNCT
abrj-228	217	15	an	an	DET
abrj-228	217	16	implication	implication	NOUN
abrj-228	217	17	for	for	ADP
abrj-228	217	18	technological	technological	ADJ
abrj-228	217	19	innovation	innovation	NOUN
abrj-228	217	20	.	.	PUNCT
abrj-228	218	1	journal	journal	NOUN
abrj-228	218	2	of	of	ADP
abrj-228	218	3	innovation	innovation	NOUN
abrj-228	218	4	and	and	CCONJ
abrj-228	218	5	entrepreneurship	entrepreneurship	NOUN
abrj-228	218	6	,	,	PUNCT
abrj-228	218	7	12(1	12(1	NUM
abrj-228	218	8	)	)	PUNCT
abrj-228	218	9	,	,	PUNCT
abrj-228	218	10	1	1	NUM
abrj-228	218	11	-	-	SYM
abrj-228	218	12	18	18	NUM
abrj-228	218	13	.	.	PUNCT
abrj-228	219	1	https://doi.org/10.1186/s13731-023-00287-y	https://doi.org/10.1186/s13731-023-00287-y	PROPN
abrj-228	219	2	bangladesh	bangladesh	PROPN
abrj-228	219	3	bank	bank	PROPN
abrj-228	219	4	(	(	PUNCT
abrj-228	219	5	2022	2022	NUM
abrj-228	219	6	)	)	PUNCT
abrj-228	219	7	,	,	PUNCT
abrj-228	219	8	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieved	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieve	VERB
abrj-228	219	9	at	at	ADP
abrj-228	219	10	:	:	PUNCT
abrj-228	219	11	22	22	NUM
abrj-228	219	12	-	-	SYM
abrj-228	219	13	03	03	NUM
abrj-228	219	14	-	-	PUNCT
abrj-228	219	15	2022	2022	NUM
abrj-228	219	16	.	.	PUNCT
abrj-228	220	1	bangladesh	bangladesh	PROPN
abrj-228	220	2	bank	bank	PROPN
abrj-228	220	3	(	(	PUNCT
abrj-228	220	4	2022	2022	NUM
abrj-228	220	5	)	)	PUNCT
abrj-228	220	6	,	,	PUNCT
abrj-228	220	7	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieved	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieve	VERB
abrj-228	220	8	at	at	ADP
abrj-228	220	9	:	:	PUNCT
abrj-228	220	10	22	22	NUM
abrj-228	220	11	-	-	SYM
abrj-228	220	12	03	03	NUM
abrj-228	220	13	-	-	PUNCT
abrj-228	220	14	2022	2022	NUM
abrj-228	220	15	.	.	PUNCT
abrj-228	221	1	bangladesh	bangladesh	PROPN
abrj-228	221	2	bank	bank	PROPN
abrj-228	221	3	.	.	PUNCT
abrj-228	222	1	(	(	PUNCT
abrj-228	222	2	2020	2020	NUM
abrj-228	222	3	)	)	PUNCT
abrj-228	222	4	.	.	PUNCT
abrj-228	223	1	https://www.bb.org.bd/index.php/pub/externalpages/home	https://www.bb.org.bd/index.php/pub/externalpages/home	ADJ
abrj-228	223	2	press	press	NOUN
abrj-228	223	3	.	.	PUNCT
abrj-228	224	1	php	php	PROPN
abrj-228	224	2	.	.	PUNCT
abrj-228	225	1	date	date	NOUN
abrj-228	225	2	:	:	PUNCT
abrj-228	225	3	19/11/2020	19/11/2020	NUM
abrj-228	225	4	.	.	PUNCT
abrj-228	225	5	time	time	NOUN
abrj-228	225	6	:	:	PUNCT
abrj-228	225	7	4.28pm	4.28pm	NOUN
abrj-228	225	8	.	.	PUNCT
abrj-228	226	1	bangladesh	bangladesh	PROPN
abrj-228	226	2	bank	bank	PROPN
abrj-228	226	3	.	.	PUNCT
abrj-228	227	1	(	(	PUNCT
abrj-228	227	2	2021	2021	NUM
abrj-228	227	3	)	)	PUNCT
abrj-228	227	4	.	.	PUNCT
abrj-228	228	1	https://www.bb.org.bd/index.php/pub/externalpages/home	https://www.bb.org.bd/index.php/pub/externalpages/home	ADJ
abrj-228	228	2	press	press	NOUN
abrj-228	228	3	.	.	PUNCT
abrj-228	229	1	php	php	PROPN
abrj-228	229	2	.	.	PUNCT
abrj-228	230	1	date	date	NOUN
abrj-228	230	2	:	:	PUNCT
abrj-228	230	3	19/12/2021	19/12/2021	NUM
abrj-228	230	4	.	.	PUNCT
abrj-228	231	1	time	time	NOUN
abrj-228	231	2	:	:	PUNCT
abrj-228	231	3	5.26pm	5.26pm	NOUN
abrj-228	231	4	.	.	PUNCT
abrj-228	232	1	bashir	bashir	PROPN
abrj-228	232	2	,	,	PUNCT
abrj-228	232	3	m.	m.	NOUN
abrj-228	232	4	a.	a.	PROPN
abrj-228	232	5	,	,	PUNCT
abrj-228	232	6	ali	ali	PROPN
abrj-228	232	7	,	,	PUNCT
abrj-228	232	8	m.	m.	PROPN
abrj-228	232	9	h.	h.	PROPN
abrj-228	232	10	,	,	PUNCT
abrj-228	232	11	&	&	CCONJ
abrj-228	232	12	reaz	reaz	PROPN
abrj-228	232	13	,	,	PUNCT
abrj-228	232	14	m.	m.	NOUN
abrj-228	232	15	(	(	PUNCT
abrj-228	232	16	2015	2015	NUM
abrj-228	232	17	)	)	PUNCT
abrj-228	232	18	.	.	PUNCT
abrj-228	233	1	customer	customer	NOUN
abrj-228	233	2	’s	’s	PART
abrj-228	233	3	satisfaction	satisfaction	NOUN
abrj-228	233	4	towards	towards	ADP
abrj-228	233	5	e	e	NOUN
abrj-228	233	6	-	-	NOUN
abrj-228	233	7	banking	banking	NOUN
abrj-228	233	8	in	in	ADP
abrj-228	233	9	bangladesh	bangladesh	PROPN
abrj-228	233	10	.	.	PUNCT
abrj-228	234	1	international	international	ADJ
abrj-228	234	2	journal	journal	PROPN
abrj-228	234	3	of	of	ADP
abrj-228	234	4	administration	administration	NOUN
abrj-228	234	5	and	and	CCONJ
abrj-228	234	6	governance	governance	NOUN
abrj-228	234	7	,	,	PUNCT
abrj-228	234	8	1(14	1(14	NUM
abrj-228	234	9	)	)	PUNCT
abrj-228	234	10	,	,	PUNCT
abrj-228	234	11	37	37	NUM
abrj-228	234	12	-	-	SYM
abrj-228	234	13	44	44	NUM
abrj-228	234	14	.	.	PUNCT
abrj-228	235	1	bashir	bashir	PROPN
abrj-228	235	2	,	,	PUNCT
abrj-228	235	3	m.	m.	NOUN
abrj-228	235	4	a.	a.	PROPN
abrj-228	235	5	,	,	PUNCT
abrj-228	235	6	ali	ali	PROPN
abrj-228	235	7	,	,	PUNCT
abrj-228	235	8	m.	m.	PROPN
abrj-228	235	9	h.	h.	PROPN
abrj-228	235	10	,	,	PUNCT
abrj-228	235	11	akther	akther	PROPN
abrj-228	235	12	,	,	PUNCT
abrj-228	235	13	n.	n.	PROPN
abrj-228	235	14	,	,	PUNCT
abrj-228	235	15	lam	lam	PROPN
abrj-228	235	16	,	,	PUNCT
abrj-228	235	17	m.	m.	PROPN
abrj-228	235	18	w.	w.	PROPN
abrj-228	235	19	,	,	PUNCT
abrj-228	235	20	mohd	mohd	PROPN
abrj-228	235	21	paiz	paiz	PROPN
abrj-228	235	22	,	,	PUNCT
abrj-228	235	23	n.	n.	PROPN
abrj-228	235	24	a.	a.	PROPN
abrj-228	235	25	,	,	PUNCT
abrj-228	235	26	&	&	CCONJ
abrj-228	235	27	islam	islam	PROPN
abrj-228	235	28	,	,	PUNCT
abrj-228	235	29	a.	a.	NOUN
abrj-228	235	30	(	(	PUNCT
abrj-228	235	31	2020	2020	NUM
abrj-228	235	32	)	)	PUNCT
abrj-228	235	33	.	.	PUNCT
abrj-228	236	1	developing	develop	VERB
abrj-228	236	2	an	an	DET
abrj-228	236	3	integrative	integrative	ADJ
abrj-228	236	4	customer	customer	NOUN
abrj-228	236	5	satisfaction	satisfaction	NOUN
abrj-228	236	6	model	model	NOUN
abrj-228	236	7	:	:	PUNCT
abrj-228	236	8	an	an	DET
abrj-228	236	9	application	application	NOUN
abrj-228	236	10	of	of	ADP
abrj-228	236	11	customer	customer	NOUN
abrj-228	236	12	experience	experience	NOUN
abrj-228	236	13	in	in	ADP
abrj-228	236	14	malaysian	malaysian	ADJ
abrj-228	236	15	e	e	NOUN
abrj-228	236	16	-	-	ADJ
abrj-228	236	17	banking	banking	ADJ
abrj-228	236	18	services	service	NOUN
abrj-228	236	19	.	.	PUNCT
abrj-228	237	1	international	international	ADJ
abrj-228	237	2	journal	journal	NOUN
abrj-228	237	3	of	of	ADP
abrj-228	237	4	advanced	advanced	ADJ
abrj-228	237	5	science	science	NOUN
abrj-228	237	6	and	and	CCONJ
abrj-228	237	7	technology	technology	NOUN
abrj-228	237	8	,	,	PUNCT
abrj-228	237	9	29(4	29(4	NOUN
abrj-228	237	10	)	)	PUNCT
abrj-228	237	11	,	,	PUNCT
abrj-228	237	12	868	868	NUM
abrj-228	237	13	-	-	SYM
abrj-228	237	14	881	881	NUM
abrj-228	237	15	.	.	PUNCT
abrj-228	238	1	bashir	bashir	PROPN
abrj-228	238	2	,	,	PUNCT
abrj-228	238	3	m.	m.	NOUN
abrj-228	238	4	a.	a.	PROPN
abrj-228	238	5	,	,	PUNCT
abrj-228	238	6	ali	ali	PROPN
abrj-228	238	7	,	,	PUNCT
abrj-228	238	8	m.	m.	PROPN
abrj-228	238	9	h.	h.	PROPN
abrj-228	238	10	,	,	PUNCT
abrj-228	238	11	wai	wai	PROPN
abrj-228	238	12	,	,	PUNCT
abrj-228	238	13	l.	l.	PROPN
abrj-228	238	14	m.	m.	PROPN
abrj-228	238	15	,	,	PUNCT
abrj-228	238	16	hossain	hossain	PROPN
abrj-228	238	17	,	,	PUNCT
abrj-228	238	18	m.	m.	NOUN
abrj-228	238	19	i.	i.	PROPN
abrj-228	238	20	,	,	PUNCT
abrj-228	238	21	&	&	CCONJ
abrj-228	238	22	rahaman	rahaman	NOUN
abrj-228	238	23	,	,	PUNCT
abrj-228	238	24	m.	m.	NOUN
abrj-228	238	25	s.	s.	PROPN
abrj-228	238	26	(	(	PUNCT
abrj-228	238	27	2020	2020	NUM
abrj-228	238	28	)	)	PUNCT
abrj-228	238	29	.	.	PUNCT
abrj-228	239	1	mediating	mediate	VERB
abrj-228	239	2	effect	effect	NOUN
abrj-228	239	3	of	of	ADP
abrj-228	239	4	customer	customer	NOUN
abrj-228	239	5	perceived	perceive	VERB
abrj-228	239	6	value	value	NOUN
abrj-228	239	7	on	on	ADP
abrj-228	239	8	the	the	DET
abrj-228	239	9	relationship	relationship	NOUN
abrj-228	239	10	between	between	ADP
abrj-228	239	11	service	service	NOUN
abrj-228	239	12	quality	quality	NOUN
abrj-228	239	13	and	and	CCONJ
abrj-228	239	14	customer	customer	NOUN
abrj-228	239	15	satisfaction	satisfaction	NOUN
abrj-228	239	16	of	of	ADP
abrj-228	239	17	e	e	NOUN
abrj-228	239	18	-	-	NOUN
abrj-228	239	19	banking	banking	NOUN
abrj-228	239	20	in	in	ADP
abrj-228	239	21	bangladesh	bangladesh	PROPN
abrj-228	239	22	.	.	PUNCT
abrj-228	240	1	international	international	ADJ
abrj-228	240	2	journal	journal	PROPN
abrj-228	240	3	of	of	ADP
abrj-228	240	4	advanced	advanced	ADJ
abrj-228	240	5	science	science	NOUN
abrj-228	240	6	and	and	CCONJ
abrj-228	240	7	technology	technology	NOUN
abrj-228	240	8	,	,	PUNCT
abrj-228	240	9	29(2	29(2	NUM
abrj-228	240	10	)	)	PUNCT
abrj-228	240	11	,	,	PUNCT
abrj-228	240	12	3590	3590	NUM
abrj-228	240	13	-	-	SYM
abrj-228	240	14	3606	3606	NUM
abrj-228	240	15	.	.	PUNCT
abrj-228	241	1	bashir	bashir	PROPN
abrj-228	241	2	,	,	PUNCT
abrj-228	241	3	m.	m.	NOUN
abrj-228	241	4	a.	a.	PROPN
abrj-228	241	5	,	,	PUNCT
abrj-228	241	6	ali	ali	PROPN
abrj-228	241	7	,	,	PUNCT
abrj-228	241	8	m.	m.	PROPN
abrj-228	241	9	h.	h.	PROPN
abrj-228	241	10	,	,	PUNCT
abrj-228	241	11	jantan	jantan	PROPN
abrj-228	241	12	,	,	PUNCT
abrj-228	241	13	a.	a.	PROPN
abrj-228	241	14	h.	h.	PROPN
abrj-228	241	15	,	,	PUNCT
abrj-228	241	16	noor	noor	PROPN
abrj-228	241	17	,	,	PUNCT
abrj-228	241	18	z.	z.	PROPN
abrj-228	241	19	m.	m.	PROPN
abrj-228	241	20	,	,	PUNCT
abrj-228	241	21	&	&	CCONJ
abrj-228	241	22	rahman	rahman	PROPN
abrj-228	241	23	,	,	PUNCT
abrj-228	241	24	m.	m.	NOUN
abrj-228	241	25	s.	s.	PROPN
abrj-228	241	26	(	(	PUNCT
abrj-228	241	27	2018	2018	NUM
abrj-228	241	28	)	)	PUNCT
abrj-228	241	29	investigation	investigation	NOUN
abrj-228	241	30	of	of	ADP
abrj-228	241	31	the	the	DET
abrj-228	241	32	effective	effective	ADJ
abrj-228	241	33	factors	factor	NOUN
abrj-228	241	34	of	of	ADP
abrj-228	241	35	customer	customer	NOUN
abrj-228	241	36	satisfaction	satisfaction	NOUN
abrj-228	241	37	in	in	ADP
abrj-228	241	38	e	e	NOUN
abrj-228	241	39	-	-	NOUN
abrj-228	241	40	banking	banking	NOUN
abrj-228	241	41	:	:	PUNCT
abrj-228	241	42	bangladesh	bangladesh	NOUN
abrj-228	241	43	perspective	perspective	NOUN
abrj-228	241	44	.	.	PUNCT
abrj-228	242	1	perspectives	perspective	NOUN
abrj-228	242	2	in	in	ADP
abrj-228	242	3	entrepreneurship	entrepreneurship	NOUN
abrj-228	242	4	,	,	PUNCT
abrj-228	242	5	marketing	marketing	NOUN
abrj-228	242	6	and	and	CCONJ
abrj-228	242	7	tourism	tourism	NOUN
abrj-228	242	8	.	.	PUNCT
abrj-228	243	1	penerbit	penerbit	PROPN
abrj-228	243	2	universiti	universiti	PROPN
abrj-228	243	3	putra	putra	PROPN
abrj-228	243	4	malaysia	malaysia	PROPN
abrj-228	243	5	,	,	PUNCT
abrj-228	243	6	2018	2018	NUM
abrj-228	243	7	.	.	PUNCT
abrj-228	244	1	carranza	carranza	PROPN
abrj-228	244	2	,	,	PUNCT
abrj-228	244	3	r.	r.	PROPN
abrj-228	244	4	,	,	PUNCT
abrj-228	244	5	díaz	díaz	PROPN
abrj-228	244	6	,	,	PUNCT
abrj-228	244	7	e.	e.	PROPN
abrj-228	244	8	,	,	PUNCT
abrj-228	244	9	sánchez	sánchez	PROPN
abrj-228	244	10	-	-	PUNCT
abrj-228	244	11	camacho	camacho	PROPN
abrj-228	244	12	,	,	PUNCT
abrj-228	244	13	c.	c.	PROPN
abrj-228	244	14	,	,	PUNCT
abrj-228	244	15	&	&	CCONJ
abrj-228	244	16	martín	martín	NOUN
abrj-228	244	17	-	-	PUNCT
abrj-228	244	18	consuegra	consuegra	PROPN
abrj-228	244	19	,	,	PUNCT
abrj-228	244	20	d.	d.	PROPN
abrj-228	244	21	(	(	PUNCT
abrj-228	244	22	2021	2021	NUM
abrj-228	244	23	)	)	PUNCT
abrj-228	244	24	.	.	PUNCT
abrj-228	245	1	e	e	X
abrj-228	245	2	-	-	ADJ
abrj-228	245	3	banking	banking	ADJ
abrj-228	245	4	adoption	adoption	NOUN
abrj-228	245	5	:	:	PUNCT
abrj-228	245	6	an	an	DET
abrj-228	245	7	opportunity	opportunity	NOUN
abrj-228	245	8	for	for	ADP
abrj-228	245	9	customer	customer	NOUN
abrj-228	245	10	value	value	NOUN
abrj-228	245	11	cocreation	cocreation	NOUN
abrj-228	245	12	.	.	PUNCT
abrj-228	246	1	frontiers	frontier	NOUN
abrj-228	246	2	in	in	ADP
abrj-228	246	3	psychology	psychology	NOUN
abrj-228	246	4	,	,	PUNCT
abrj-228	246	5	11	11	NUM
abrj-228	246	6	,	,	PUNCT
abrj-228	246	7	621248	621248	NUM
abrj-228	246	8	.	.	PUNCT
abrj-228	247	1	https://doi.org/10.3389/fpsyg.2020.621248	https://doi.org/10.3389/fpsyg.2020.621248	PROPN
abrj-228	247	2	cenfetelli	cenfetelli	PROPN
abrj-228	247	3	,	,	PUNCT
abrj-228	247	4	r.t	r.t	PROPN
abrj-228	247	5	.	.	PROPN
abrj-228	247	6	&	&	CCONJ
abrj-228	247	7	schwarz	schwarz	PROPN
abrj-228	247	8	,	,	PUNCT
abrj-228	247	9	a.	a.	NOUN
abrj-228	247	10	(	(	PUNCT
abrj-228	247	11	2011	2011	NUM
abrj-228	247	12	)	)	PUNCT
abrj-228	247	13	.	.	PUNCT
abrj-228	248	1	identifying	identify	VERB
abrj-228	248	2	and	and	CCONJ
abrj-228	248	3	testing	test	VERB
abrj-228	248	4	the	the	DET
abrj-228	248	5	inhibitors	inhibitor	NOUN
abrj-228	248	6	of	of	ADP
abrj-228	248	7	technology	technology	NOUN
abrj-228	248	8	usage	usage	NOUN
abrj-228	248	9	intentions	intention	NOUN
abrj-228	248	10	,	,	PUNCT
abrj-228	248	11	information	information	NOUN
abrj-228	248	12	systems	system	NOUN
abrj-228	248	13	research	research	NOUN
abrj-228	248	14	,	,	PUNCT
abrj-228	248	15	22(4	22(4	NUM
abrj-228	248	16	)	)	PUNCT
abrj-228	248	17	,	,	PUNCT
abrj-228	248	18	808–823	808–823	NUM
abrj-228	248	19	.	.	PUNCT
abrj-228	249	1	https://doi.org/10.1287/isre.1100.0295	https://doi.org/10.1287/isre.1100.0295	PROPN
abrj-228	249	2	deraz	deraz	PROPN
abrj-228	249	3	,	,	PUNCT
abrj-228	249	4	h.	h.	PROPN
abrj-228	249	5	,	,	PUNCT
abrj-228	249	6	&	&	CCONJ
abrj-228	249	7	iddris	iddris	PROPN
abrj-228	249	8	,	,	PUNCT
abrj-228	249	9	f.	f.	PROPN
abrj-228	249	10	(	(	PUNCT
abrj-228	249	11	2019	2019	NUM
abrj-228	249	12	)	)	PUNCT
abrj-228	249	13	.	.	PUNCT
abrj-228	250	1	customers	customer	NOUN
abrj-228	250	2	satisfaction	satisfaction	VERB
abrj-228	250	3	in	in	ADP
abrj-228	250	4	internet	internet	NOUN
abrj-228	250	5	banking	banking	NOUN
abrj-228	250	6	:	:	PUNCT
abrj-228	250	7	a	a	DET
abrj-228	250	8	review	review	NOUN
abrj-228	250	9	(	(	PUNCT
abrj-228	250	10	2008–2017	2008–2017	NUM
abrj-228	250	11	)	)	PUNCT
abrj-228	250	12	.	.	PUNCT
abrj-228	251	1	in	in	ADP
abrj-228	251	2	17th	17th	ADJ
abrj-228	251	3	international	international	ADJ
abrj-228	251	4	conference	conference	NOUN
abrj-228	251	5	e	e	NOUN
abrj-228	251	6	-	-	NOUN
abrj-228	251	7	society	society	ADJ
abrj-228	251	8	2019	2019	NUM
abrj-228	251	9	(	(	PUNCT
abrj-228	251	10	es	es	ADP
abrj-228	251	11	2019	2019	NUM
abrj-228	251	12	)	)	PUNCT
abrj-228	251	13	,	,	PUNCT
abrj-228	251	14	utrecht	utrecht	PROPN
abrj-228	251	15	,	,	PUNCT
abrj-228	251	16	the	the	DET
abrj-228	251	17	netherlands	netherlands	PROPN
abrj-228	251	18	,	,	PUNCT
abrj-228	251	19	april	april	PROPN
abrj-228	251	20	11	11	NUM
abrj-228	251	21	-	-	SYM
abrj-228	251	22	13	13	NUM
abrj-228	251	23	,	,	PUNCT
abrj-228	251	24	2019	2019	NUM
abrj-228	251	25	(	(	PUNCT
abrj-228	251	26	pp	pp	ADJ
abrj-228	251	27	.	.	PUNCT
abrj-228	252	1	3	3	NUM
abrj-228	252	2	-	-	SYM
abrj-228	252	3	13	13	NUM
abrj-228	252	4	)	)	PUNCT
abrj-228	252	5	.	.	PUNCT
abrj-228	253	1	iadis	iadis	PROPN
abrj-228	253	2	press	press	PROPN
abrj-228	253	3	.	.	PUNCT
abrj-228	254	1	fishbein	fishbein	PROPN
abrj-228	254	2	,	,	PUNCT
abrj-228	254	3	m.	m.	NOUN
abrj-228	254	4	,	,	PUNCT
abrj-228	254	5	ajzen	ajzen	NOUN
abrj-228	254	6	,	,	PUNCT
abrj-228	254	7	i.	i.	NOUN
abrj-228	254	8	(	(	PUNCT
abrj-228	254	9	1975	1975	NUM
abrj-228	254	10	)	)	PUNCT
abrj-228	254	11	.	.	PUNCT
abrj-228	255	1	belief	belief	NOUN
abrj-228	255	2	,	,	PUNCT
abrj-228	255	3	attitudes	attitude	NOUN
abrj-228	255	4	,	,	PUNCT
abrj-228	255	5	intention	intention	NOUN
abrj-228	255	6	,	,	PUNCT
abrj-228	255	7	and	and	CCONJ
abrj-228	255	8	behavior	behavior	NOUN
abrj-228	255	9	.	.	PUNCT
abrj-228	256	1	an	an	DET
abrj-228	256	2	introduction	introduction	NOUN
abrj-228	256	3	to	to	ADP
abrj-228	256	4	theory	theory	NOUN
abrj-228	256	5	and	and	CCONJ
abrj-228	256	6	research	research	NOUN
abrj-228	256	7	.	.	PUNCT
abrj-228	257	1	massachussets	massachussets	PROPN
abrj-228	257	2	:	:	PUNCT
abrj-228	257	3	addison	addison	PROPN
abrj-228	257	4	wesley	wesley	PROPN
abrj-228	257	5	.	.	PUNCT
abrj-228	258	1	harasis	harasis	NOUN
abrj-228	258	2	,	,	PUNCT
abrj-228	258	3	a.	a.	NOUN
abrj-228	258	4	a.	a.	PROPN
abrj-228	258	5	,	,	PUNCT
abrj-228	258	6	&	&	CCONJ
abrj-228	258	7	rasli	rasli	PROPN
abrj-228	258	8	,	,	PUNCT
abrj-228	258	9	a.	a.	NOUN
abrj-228	258	10	(	(	PUNCT
abrj-228	258	11	2016	2016	NUM
abrj-228	258	12	)	)	PUNCT
abrj-228	258	13	.	.	PUNCT
abrj-228	259	1	a	a	DET
abrj-228	259	2	review	review	NOUN
abrj-228	259	3	of	of	ADP
abrj-228	259	4	theories	theory	NOUN
abrj-228	259	5	relevant	relevant	ADJ
abrj-228	259	6	to	to	ADP
abrj-228	259	7	e	e	NOUN
abrj-228	259	8	-	-	ADJ
abrj-228	259	9	banking	banking	ADJ
abrj-228	259	10	usage	usage	NOUN
abrj-228	259	11	continuance	continuance	NOUN
abrj-228	259	12	.	.	PUNCT
abrj-228	260	1	international	international	ADJ
abrj-228	260	2	review	review	NOUN
abrj-228	260	3	of	of	ADP
abrj-228	260	4	management	management	NOUN
abrj-228	260	5	and	and	CCONJ
abrj-228	260	6	marketing	marketing	NOUN
abrj-228	260	7	,	,	PUNCT
abrj-228	260	8	6(4	6(4	NUM
abrj-228	260	9	)	)	PUNCT
abrj-228	260	10	,	,	PUNCT
abrj-228	260	11	277	277	NUM
abrj-228	260	12	-	-	SYM
abrj-228	260	13	283	283	NUM
abrj-228	260	14	.	.	PUNCT
abrj-228	261	1	https://www.dhakatribune.com/business/336951/online-banking-increases-pushing-digital-finance	https://www.dhakatribune.com/business/336951/online-banking-increases-pushing-digital-finance	PROPN
abrj-228	261	2	.	.	PUNCT
abrj-228	261	3	time	time	NOUN
abrj-228	261	4	:	:	PUNCT
abrj-228	261	5	11.30	11.30	NUM
abrj-228	261	6	pm	pm	NOUN
abrj-228	261	7	,	,	PUNCT
abrj-228	261	8	06/10/2014	06/10/2014	NUM
abrj-228	261	9	.	.	PUNCT
abrj-228	262	1	joseph	joseph	PROPN
abrj-228	262	2	,	,	PUNCT
abrj-228	262	3	m.	m.	NOUN
abrj-228	262	4	,	,	PUNCT
abrj-228	262	5	&	&	CCONJ
abrj-228	262	6	stone	stone	PROPN
abrj-228	262	7	,	,	PUNCT
abrj-228	262	8	g.	g.	PROPN
abrj-228	262	9	(	(	PUNCT
abrj-228	262	10	2003	2003	NUM
abrj-228	262	11	)	)	PUNCT
abrj-228	262	12	.	.	PUNCT
abrj-228	263	1	an	an	DET
abrj-228	263	2	empirical	empirical	ADJ
abrj-228	263	3	evaluation	evaluation	NOUN
abrj-228	263	4	of	of	ADP
abrj-228	263	5	us	us	PROPN
abrj-228	263	6	bank	bank	NOUN
abrj-228	263	7	customer	customer	NOUN
abrj-228	263	8	perceptions	perception	NOUN
abrj-228	263	9	of	of	ADP
abrj-228	263	10	the	the	DET
abrj-228	263	11	impact	impact	NOUN
abrj-228	263	12	of	of	ADP
abrj-228	263	13	technology	technology	NOUN
abrj-228	263	14	on	on	ADP
abrj-228	263	15	service	service	NOUN
abrj-228	263	16	delivery	delivery	NOUN
abrj-228	263	17	in	in	ADP
abrj-228	263	18	the	the	DET
abrj-228	263	19	banking	banking	NOUN
abrj-228	263	20	sector	sector	NOUN
abrj-228	263	21	.	.	PUNCT
abrj-228	264	1	international	international	ADJ
abrj-228	264	2	journal	journal	PROPN
abrj-228	264	3	of	of	ADP
abrj-228	264	4	retail	retail	NOUN
abrj-228	264	5	,	,	PUNCT
abrj-228	264	6	31(4	31(4	NUM
abrj-228	264	7	)	)	PUNCT
abrj-228	264	8	,	,	PUNCT
abrj-228	264	9	190–202	190–202	NUM
abrj-228	264	10	.	.	PUNCT
abrj-228	265	1	https://doi.org/10.1108/09590550310469185	https://doi.org/10.1108/09590550310469185	X
abrj-228	266	1	khan	khan	PROPN
abrj-228	266	2	,	,	PUNCT
abrj-228	266	3	a.	a.	NOUN
abrj-228	266	4	g.	g.	PROPN
abrj-228	266	5	,	,	PUNCT
abrj-228	266	6	lima	lima	PROPN
abrj-228	266	7	,	,	PUNCT
abrj-228	266	8	r.	r.	PROPN
abrj-228	266	9	p.	p.	PROPN
abrj-228	266	10	,	,	PUNCT
abrj-228	266	11	&	&	CCONJ
abrj-228	266	12	mahmud	mahmud	PROPN
abrj-228	266	13	,	,	PUNCT
abrj-228	266	14	m.	m.	NOUN
abrj-228	266	15	s.	s.	PROPN
abrj-228	266	16	(	(	PUNCT
abrj-228	266	17	2021	2021	NUM
abrj-228	266	18	)	)	PUNCT
abrj-228	266	19	.	.	PUNCT
abrj-228	267	1	understanding	understand	VERB
abrj-228	267	2	the	the	DET
abrj-228	267	3	service	service	NOUN
abrj-228	267	4	quality	quality	NOUN
abrj-228	267	5	and	and	CCONJ
abrj-228	267	6	customer	customer	NOUN
abrj-228	267	7	satisfaction	satisfaction	NOUN
abrj-228	267	8	of	of	ADP
abrj-228	267	9	mobile	mobile	ADJ
abrj-228	267	10	banking	banking	NOUN
abrj-228	267	11	in	in	ADP
abrj-228	267	12	bangladesh	bangladesh	PROPN
abrj-228	267	13	:	:	PUNCT
abrj-228	267	14	using	use	VERB
abrj-228	267	15	a	a	DET
abrj-228	267	16	structural	structural	ADJ
abrj-228	267	17	equation	equation	NOUN
abrj-228	267	18	model	model	NOUN
abrj-228	267	19	.	.	PUNCT
abrj-228	268	1	global	global	ADJ
abrj-228	268	2	business	business	PROPN
abrj-228	268	3	review	review	PROPN
abrj-228	268	4	,	,	PUNCT
abrj-228	268	5	22(1	22(1	NUM
abrj-228	268	6	)	)	PUNCT
abrj-228	268	7	,	,	PUNCT
abrj-228	268	8	85	85	NUM
abrj-228	268	9	-	-	SYM
abrj-228	268	10	100	100	NUM
abrj-228	268	11	.	.	PUNCT
abrj-228	268	12	https://doi.org/10.1177/0972150918795551	https://doi.org/10.1177/0972150918795551	X
abrj-228	269	1	lee	lee	PROPN
abrj-228	269	2	,	,	PUNCT
abrj-228	269	3	m.c	m.c	PROPN
abrj-228	269	4	.	.	PROPN
abrj-228	269	5	(	(	PUNCT
abrj-228	269	6	2009	2009	NUM
abrj-228	269	7	)	)	PUNCT
abrj-228	269	8	.	.	PUNCT
abrj-228	270	1	factors	factor	NOUN
abrj-228	270	2	influencing	influence	VERB
abrj-228	270	3	the	the	DET
abrj-228	270	4	adoption	adoption	NOUN
abrj-228	270	5	of	of	ADP
abrj-228	270	6	internet	internet	NOUN
abrj-228	270	7	banking	banking	NOUN
abrj-228	270	8	:	:	PUNCT
abrj-228	270	9	an	an	DET
abrj-228	270	10	integration	integration	NOUN
abrj-228	270	11	of	of	ADP
abrj-228	270	12	tam	tam	PROPN
abrj-228	270	13	and	and	CCONJ
abrj-228	270	14	tpb	tpb	VERB
abrj-228	270	15	with	with	ADP
abrj-228	270	16	perceived	perceive	VERB
abrj-228	270	17	risk	risk	NOUN
abrj-228	270	18	and	and	CCONJ
abrj-228	270	19	perceived	perceive	VERB
abrj-228	270	20	benefit	benefit	NOUN
abrj-228	270	21	.	.	PUNCT
abrj-228	271	1	journal	journal	NOUN
abrj-228	271	2	of	of	ADP
abrj-228	271	3	electronic	electronic	ADJ
abrj-228	271	4	commerce	commerce	NOUN
abrj-228	271	5	research	research	NOUN
abrj-228	271	6	and	and	CCONJ
abrj-228	271	7	applications	application	NOUN
abrj-228	271	8	,	,	PUNCT
abrj-228	271	9	8(3),130–141	8(3),130–141	NUM
abrj-228	271	10	.	.	X
abrj-228	272	1	https://doi.org/10.1016/j.elerap.2008.11.006	https://doi.org/10.1016/j.elerap.2008.11.006	NOUN
abrj-228	272	2	makanyeza	makanyeza	NOUN
abrj-228	272	3	,	,	PUNCT
abrj-228	272	4	c.	c.	NOUN
abrj-228	272	5	,	,	PUNCT
abrj-228	272	6	macheyo	macheyo	PROPN
abrj-228	272	7	,	,	PUNCT
abrj-228	272	8	r.	r.	PROPN
abrj-228	272	9	and	and	CCONJ
abrj-228	272	10	du	du	PROPN
abrj-228	272	11	toit	toit	PROPN
abrj-228	272	12	,	,	PUNCT
abrj-228	272	13	f.	f.	PROPN
abrj-228	272	14	(	(	PUNCT
abrj-228	272	15	2015	2015	NUM
abrj-228	272	16	)	)	PUNCT
abrj-228	272	17	.	.	PUNCT
abrj-228	273	1	perceived	perceive	VERB
abrj-228	273	2	product	product	NOUN
abrj-228	273	3	necessity	necessity	NOUN
abrj-228	273	4	,	,	PUNCT
abrj-228	273	5	perceived	perceive	VERB
abrj-228	273	6	value	value	NOUN
abrj-228	273	7	,	,	PUNCT
abrj-228	273	8	customer	customer	NOUN
abrj-228	273	9	satisfaction	satisfaction	NOUN
abrj-228	273	10	and	and	CCONJ
abrj-228	273	11	affective	affective	ADJ
abrj-228	273	12	attitude	attitude	NOUN
abrj-228	273	13	:	:	PUNCT
abrj-228	273	14	an	an	DET
abrj-228	273	15	integrative	integrative	ADJ
abrj-228	273	16	model	model	NOUN
abrj-228	273	17	.	.	PUNCT
abrj-228	274	1	journal	journal	PROPN
abrj-228	274	2	of	of	ADP
abrj-228	274	3	african	african	ADJ
abrj-228	274	4	business	business	NOUN
abrj-228	274	5	,	,	PUNCT
abrj-228	274	6	17(1	17(1	NUM
abrj-228	274	7	)	)	PUNCT
abrj-228	274	8	,	,	PUNCT
abrj-228	274	9	69	69	NUM
abrj-228	274	10	-	-	SYM
abrj-228	274	11	86	86	NUM
abrj-228	274	12	.	.	PUNCT
abrj-228	275	1	https://doi.org/10.1080/15228916.2016.1112709	https://doi.org/10.1080/15228916.2016.1112709	PROPN
abrj-228	275	2	munir	munir	PROPN
abrj-228	275	3	,	,	PUNCT
abrj-228	275	4	r.	r.	PROPN
abrj-228	275	5	i.	i.	PROPN
abrj-228	275	6	s.	s.	PROPN
abrj-228	275	7	,	,	PUNCT
abrj-228	275	8	&	&	CCONJ
abrj-228	275	9	rahman	rahman	PROPN
abrj-228	275	10	,	,	PUNCT
abrj-228	275	11	r.	r.	PROPN
abrj-228	275	12	a.	a.	PROPN
abrj-228	275	13	(	(	PUNCT
abrj-228	275	14	2016	2016	NUM
abrj-228	275	15	)	)	PUNCT
abrj-228	275	16	.	.	PUNCT
abrj-228	276	1	determining	determine	VERB
abrj-228	276	2	dimensions	dimension	NOUN
abrj-228	276	3	of	of	ADP
abrj-228	276	4	job	job	NOUN
abrj-228	276	5	satisfaction	satisfaction	NOUN
abrj-228	276	6	using	use	VERB
abrj-228	276	7	factor	factor	NOUN
abrj-228	276	8	analysis	analysis	NOUN
abrj-228	276	9	.	.	PUNCT
abrj-228	277	1	procedia	procedia	NOUN
abrj-228	277	2	economics	economic	NOUN
abrj-228	277	3	and	and	CCONJ
abrj-228	277	4	finance	finance	NOUN
abrj-228	277	5	,	,	PUNCT
abrj-228	277	6	37	37	NUM
abrj-228	277	7	,	,	PUNCT
abrj-228	277	8	488	488	NUM
abrj-228	277	9	-	-	SYM
abrj-228	277	10	496	496	NUM
abrj-228	277	11	.	.	PUNCT
abrj-228	278	1	https://doi.org/10.1016/s2212-5671(16)30156-3	https://doi.org/10.1016/s2212-5671(16)30156-3	PROPN
abrj-228	278	2	nsouli	nsouli	PROPN
abrj-228	278	3	,	,	PUNCT
abrj-228	278	4	s.	s.	PROPN
abrj-228	278	5	m.	m.	PROPN
abrj-228	278	6	,	,	PUNCT
abrj-228	278	7	&	&	CCONJ
abrj-228	278	8	schaechter	schaechter	NOUN
abrj-228	278	9	,	,	PUNCT
abrj-228	278	10	a.	a.	NOUN
abrj-228	278	11	(	(	PUNCT
abrj-228	278	12	2002	2002	NUM
abrj-228	278	13	)	)	PUNCT
abrj-228	278	14	.	.	PUNCT
abrj-228	279	1	challenges	challenge	NOUN
abrj-228	279	2	of	of	ADP
abrj-228	279	3	the'e	the'e	NOUN
abrj-228	279	4	-	-	PUNCT
abrj-228	279	5	banking	banking	NOUN
abrj-228	279	6	revolution	revolution	NOUN
abrj-228	279	7	'	'	PUNCT
abrj-228	279	8	.	.	PUNCT
abrj-228	280	1	finance	finance	PROPN
abrj-228	280	2	&	&	CCONJ
abrj-228	280	3	development	development	PROPN
abrj-228	280	4	,	,	PUNCT
abrj-228	280	5	39(3	39(3	NUM
abrj-228	280	6	)	)	PUNCT
abrj-228	280	7	,	,	PUNCT
abrj-228	280	8	48	48	NUM
abrj-228	280	9	-	-	SYM
abrj-228	280	10	48	48	NUM
abrj-228	280	11	.	.	PUNCT
abrj-228	280	12	parasuraman	parasuraman	NOUN
abrj-228	280	13	,	,	PUNCT
abrj-228	280	14	a.	a.	NOUN
abrj-228	280	15	(	(	PUNCT
abrj-228	280	16	2005	2005	NUM
abrj-228	280	17	)	)	PUNCT
abrj-228	280	18	.	.	PUNCT
abrj-228	281	1	es	es	VERB
abrj-228	281	2	-	-	PUNCT
abrj-228	281	3	qual	qual	NOUN
abrj-228	281	4	a	a	DET
abrj-228	281	5	multiple	multiple	ADJ
abrj-228	281	6	-	-	PUNCT
abrj-228	281	7	item	item	NOUN
abrj-228	281	8	scale	scale	NOUN
abrj-228	281	9	for	for	ADP
abrj-228	281	10	assessing	assess	VERB
abrj-228	281	11	electronic	electronic	ADJ
abrj-228	281	12	service	service	NOUN
abrj-228	281	13	quality	quality	NOUN
abrj-228	281	14	.	.	PUNCT
abrj-228	282	1	journal	journal	PROPN
abrj-228	282	2	of	of	ADP
abrj-228	282	3	service	service	NOUN
abrj-228	282	4	,	,	PUNCT
abrj-228	282	5	7(x	7(x	NUM
abrj-228	282	6	)	)	PUNCT
abrj-228	282	7	,	,	PUNCT
abrj-228	282	8	2–22	2–22	PROPN
abrj-228	282	9	.	.	PUNCT
abrj-228	283	1	https://doi.org/10.1177/1094670504271156	https://doi.org/10.1177/1094670504271156	PROPN
abrj-228	283	2	podsakoff	podsakoff	NOUN
abrj-228	283	3	,	,	PUNCT
abrj-228	283	4	p.	p.	NOUN
abrj-228	283	5	m.	m.	NOUN
abrj-228	283	6	,	,	PUNCT
abrj-228	283	7	mackenzie	mackenzie	PROPN
abrj-228	283	8	,	,	PUNCT
abrj-228	283	9	s.	s.	PROPN
abrj-228	283	10	b.	b.	PROPN
abrj-228	283	11	,	,	PUNCT
abrj-228	284	1	bachrach	bachrach	INTJ
abrj-228	284	2	,	,	PUNCT
abrj-228	284	3	d.	d.	PROPN
abrj-228	284	4	g.	g.	PROPN
abrj-228	284	5	,	,	PUNCT
abrj-228	284	6	&	&	CCONJ
abrj-228	284	7	podsakoff	podsakoff	PROPN
abrj-228	284	8	,	,	PUNCT
abrj-228	284	9	n.	n.	PROPN
abrj-228	284	10	p.	p.	PROPN
abrj-228	284	11	(	(	PUNCT
abrj-228	284	12	2005	2005	NUM
abrj-228	284	13	)	)	PUNCT
abrj-228	284	14	.	.	PUNCT
abrj-228	285	1	the	the	DET
abrj-228	285	2	influence	influence	NOUN
abrj-228	285	3	of	of	ADP
abrj-228	285	4	management	management	NOUN
abrj-228	285	5	journals	journal	NOUN
abrj-228	285	6	in	in	ADP
abrj-228	285	7	the	the	DET
abrj-228	285	8	1980s	1980	NOUN
abrj-228	285	9	and	and	CCONJ
abrj-228	285	10	1990s	1990	NOUN
abrj-228	285	11	.	.	PUNCT
abrj-228	286	1	strategic	strategic	ADJ
abrj-228	286	2	management	management	NOUN
abrj-228	286	3	journal	journal	NOUN
abrj-228	286	4	,	,	PUNCT
abrj-228	286	5	26(5	26(5	NUM
abrj-228	286	6	)	)	PUNCT
abrj-228	286	7	,	,	PUNCT
abrj-228	286	8	473	473	NUM
abrj-228	286	9	-	-	SYM
abrj-228	286	10	488	488	NUM
abrj-228	286	11	.	.	PUNCT
abrj-228	287	1	https://doi.org/10.1002/smj.454	https://doi.org/10.1002/smj.454	PROPN
abrj-228	287	2	pradnyadewi	pradnyadewi	NOUN
abrj-228	287	3	,	,	PUNCT
abrj-228	287	4	l.	l.	PROPN
abrj-228	287	5	p.	p.	PROPN
abrj-228	287	6	a.	a.	PROPN
abrj-228	287	7	,	,	PUNCT
abrj-228	287	8	&	&	CCONJ
abrj-228	287	9	giantari	giantari	PROPN
abrj-228	287	10	,	,	PUNCT
abrj-228	287	11	i.	i.	PROPN
abrj-228	287	12	a.	a.	PROPN
abrj-228	287	13	(	(	PUNCT
abrj-228	287	14	2022	2022	NUM
abrj-228	287	15	)	)	PUNCT
abrj-228	287	16	.	.	PUNCT
abrj-228	288	1	effect	effect	NOUN
abrj-228	288	2	of	of	ADP
abrj-228	288	3	e	e	NOUN
abrj-228	288	4	-	-	NOUN
abrj-228	288	5	service	service	ADJ
abrj-228	288	6	quality	quality	NOUN
abrj-228	288	7	on	on	ADP
abrj-228	288	8	customer	customer	NOUN
abrj-228	288	9	satisfaction	satisfaction	NOUN
abrj-228	288	10	and	and	CCONJ
abrj-228	288	11	customer	customer	NOUN
abrj-228	288	12	loyalty	loyalty	NOUN
abrj-228	288	13	on	on	ADP
abrj-228	288	14	tokopedia	tokopedia	NOUN
abrj-228	288	15	customers	customer	NOUN
abrj-228	288	16	in	in	ADP
abrj-228	288	17	denpasar	denpasar	PROPN
abrj-228	288	18	.	.	PUNCT
abrj-228	289	1	european	european	PROPN
abrj-228	289	2	journal	journal	PROPN
abrj-228	289	3	of	of	ADP
abrj-228	289	4	business	business	NOUN
abrj-228	289	5	and	and	CCONJ
abrj-228	289	6	management	management	NOUN
abrj-228	289	7	research	research	NOUN
abrj-228	289	8	,	,	PUNCT
abrj-228	289	9	7(2	7(2	NUM
abrj-228	289	10	)	)	PUNCT
abrj-228	289	11	,	,	PUNCT
abrj-228	289	12	200	200	NUM
abrj-228	289	13	-	-	SYM
abrj-228	289	14	204	204	NUM
abrj-228	289	15	.	.	PUNCT
abrj-228	290	1	https://doi.org/10.24018/ejbmr.2022.7.2.1297	https://doi.org/10.24018/ejbmr.2022.7.2.1297	PROPN
abrj-228	290	2	rahman	rahman	PROPN
abrj-228	290	3	,	,	PUNCT
abrj-228	290	4	m.	m.	NOUN
abrj-228	290	5	,	,	PUNCT
abrj-228	290	6	saha	saha	PROPN
abrj-228	290	7	,	,	PUNCT
abrj-228	290	8	n.	n.	PROPN
abrj-228	290	9	k.	k.	PROPN
abrj-228	290	10	,	,	PUNCT
abrj-228	290	11	sarker	sarker	NOUN
abrj-228	290	12	,	,	PUNCT
abrj-228	290	13	m.	m.	NOUN
abrj-228	290	14	n.	n.	PROPN
abrj-228	290	15	i.	i.	PROPN
abrj-228	290	16	,	,	PUNCT
abrj-228	290	17	sultana	sultana	PROPN
abrj-228	290	18	,	,	PUNCT
abrj-228	290	19	a.	a.	NOUN
abrj-228	290	20	,	,	PUNCT
abrj-228	290	21	&	&	CCONJ
abrj-228	290	22	prodhan	prodhan	PROPN
abrj-228	290	23	,	,	PUNCT
abrj-228	290	24	a.	a.	PROPN
abrj-228	290	25	z.	z.	PROPN
abrj-228	290	26	m.	m.	PROPN
abrj-228	290	27	s.	s.	PROPN
abrj-228	290	28	(	(	PUNCT
abrj-228	290	29	2017	2017	NUM
abrj-228	290	30	)	)	PUNCT
abrj-228	290	31	.	.	PUNCT
abrj-228	291	1	problems	problem	NOUN
abrj-228	291	2	and	and	CCONJ
abrj-228	291	3	prospects	prospect	NOUN
abrj-228	291	4	of	of	ADP
abrj-228	291	5	electronic	electronic	ADJ
abrj-228	291	6	banking	banking	NOUN
abrj-228	291	7	in	in	ADP
abrj-228	291	8	bangladesh	bangladesh	PROPN
abrj-228	291	9	:	:	PUNCT
abrj-228	291	10	a	a	DET
abrj-228	291	11	case	case	NOUN
abrj-228	291	12	study	study	NOUN
abrj-228	291	13	on	on	ADP
abrj-228	291	14	dutch	dutch	PROPN
abrj-228	291	15	-	-	PROPN
abrj-228	291	16	bangla	bangla	PROPN
abrj-228	291	17	bank	bank	PROPN
abrj-228	291	18	limited	limit	VERB
abrj-228	291	19	.	.	PUNCT
abrj-228	292	1	american	american	PROPN
abrj-228	292	2	journal	journal	PROPN
abrj-228	292	3	of	of	ADP
abrj-228	292	4	operations	operation	NOUN
abrj-228	292	5	management	management	NOUN
abrj-228	292	6	and	and	CCONJ
abrj-228	292	7	information	information	NOUN
abrj-228	292	8	systems	system	NOUN
abrj-228	292	9	,	,	PUNCT
abrj-228	292	10	2(1	2(1	NUM
abrj-228	292	11	)	)	PUNCT
abrj-228	292	12	,	,	PUNCT
abrj-228	292	13	42	42	NUM
abrj-228	292	14	-	-	SYM
abrj-228	292	15	53	53	NUM
abrj-228	292	16	rajasulochana	rajasulochana	PROPN
abrj-228	292	17	,	,	PUNCT
abrj-228	292	18	d.	d.	PROPN
abrj-228	292	19	,	,	PUNCT
abrj-228	292	20	&	&	CCONJ
abrj-228	292	21	khizerulla	khizerulla	PROPN
abrj-228	292	22	,	,	PUNCT
abrj-228	292	23	m.	m.	NOUN
abrj-228	292	24	(	(	PUNCT
abrj-228	292	25	2022	2022	NUM
abrj-228	292	26	)	)	PUNCT
abrj-228	292	27	.	.	PUNCT
abrj-228	293	1	service	service	NOUN
abrj-228	293	2	quality	quality	NOUN
abrj-228	293	3	in	in	ADP
abrj-228	293	4	sbi	sbi	NOUN
abrj-228	293	5	:	:	PUNCT
abrj-228	293	6	an	an	DET
abrj-228	293	7	assessment	assessment	NOUN
abrj-228	293	8	of	of	ADP
abrj-228	293	9	customer	customer	NOUN
abrj-228	293	10	satisfaction	satisfaction	NOUN
abrj-228	293	11	on	on	ADP
abrj-228	293	12	e	e	NOUN
abrj-228	293	13	-	-	ADJ
abrj-228	293	14	banking	banking	ADJ
abrj-228	293	15	services	service	NOUN
abrj-228	293	16	.	.	PUNCT
abrj-228	294	1	journal	journal	NOUN
abrj-228	294	2	of	of	ADP
abrj-228	294	3	positive	positive	ADJ
abrj-228	294	4	school	school	NOUN
abrj-228	294	5	psychology	psychology	NOUN
abrj-228	294	6	,	,	PUNCT
abrj-228	294	7	4585	4585	NUM
abrj-228	294	8	-	-	SYM
abrj-228	294	9	4590	4590	NUM
abrj-228	294	10	.	.	PUNCT
abrj-228	295	1	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieved	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieve	VERB
abrj-228	295	2	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieved	https://www.bb.org.bd/en/index.php/financialactivity/bankfi,retrieve	VERB
abrj-228	295	3	https://www.bb.org.bd/index.php/pub/externalpages/home	https://www.bb.org.bd/index.php/pub/externalpages/home	ADJ
abrj-228	296	1	https://www.bb.org.bd/index.php/pub/externalpages/home%20press	https://www.bb.org.bd/index.php/pub/externalpages/home%20press	PROPN
abrj-228	297	1	https://www.dhakatribune.com/business/336951/online-banking-increases-pushing-digital-finance.%20time:%2011.30%20pm,%2006/10/2014	https://www.dhakatribune.com/business/336951/online-banking-increases-pushing-digital-finance.%20time:%2011.30%20pm,%2006/10/2014	PROPN
abrj-228	297	2	asian	asian	ADJ
abrj-228	297	3	business	business	PROPN
abrj-228	297	4	research	research	NOUN
abrj-228	297	5	journal	journal	NOUN
abrj-228	297	6	,	,	PUNCT
abrj-228	297	7	2024	2024	NUM
abrj-228	297	8	,	,	PUNCT
abrj-228	297	9	9	9	NUM
abrj-228	297	10	:	:	SYM
abrj-228	297	11	127	127	NUM
abrj-228	297	12	-	-	SYM
abrj-228	297	13	134	134	NUM
abrj-228	297	14	134	134	NUM
abrj-228	297	15	©	©	ADP
abrj-228	297	16	2024	2024	NUM
abrj-228	297	17	by	by	ADP
abrj-228	297	18	the	the	DET
abrj-228	297	19	authors	author	NOUN
abrj-228	297	20	;	;	PUNCT
abrj-228	297	21	licensee	licensee	NOUN
abrj-228	297	22	eastern	eastern	ADJ
abrj-228	297	23	centre	centre	NOUN
abrj-228	297	24	of	of	ADP
abrj-228	297	25	science	science	NOUN
abrj-228	297	26	and	and	CCONJ
abrj-228	297	27	education	education	NOUN
abrj-228	297	28	,	,	PUNCT
abrj-228	297	29	usa	usa	PROPN
abrj-228	297	30	rogers	rogers	PROPN
abrj-228	297	31	diffusion	diffusion	NOUN
abrj-228	297	32	of	of	ADP
abrj-228	297	33	innovations	innovation	NOUN
abrj-228	297	34	(	(	PUNCT
abrj-228	297	35	5th	5th	ADJ
abrj-228	297	36	edition	edition	NOUN
abrj-228	297	37	)	)	PUNCT
abrj-228	297	38	,	,	PUNCT
abrj-228	297	39	free	free	ADJ
abrj-228	297	40	press	press	NOUN
abrj-228	297	41	,	,	PUNCT
abrj-228	297	42	new	new	PROPN
abrj-228	297	43	york	york	PROPN
abrj-228	297	44	(	(	PUNCT
abrj-228	297	45	2003	2003	NUM
abrj-228	297	46	)	)	PUNCT
abrj-228	297	47	tan	tan	PROPN
abrj-228	297	48	,	,	PUNCT
abrj-228	297	49	m.	m.	NOUN
abrj-228	297	50	,	,	PUNCT
abrj-228	297	51	&	&	CCONJ
abrj-228	297	52	teo	teo	PROPN
abrj-228	297	53	,	,	PUNCT
abrj-228	297	54	t.	t.	PROPN
abrj-228	297	55	s.	s.	PROPN
abrj-228	297	56	(	(	PUNCT
abrj-228	297	57	2000	2000	NUM
abrj-228	297	58	)	)	PUNCT
abrj-228	297	59	.	.	PUNCT
abrj-228	298	1	factors	factor	NOUN
abrj-228	298	2	influencing	influence	VERB
abrj-228	298	3	the	the	DET
abrj-228	298	4	adoption	adoption	NOUN
abrj-228	298	5	of	of	ADP
abrj-228	298	6	internet	internet	NOUN
abrj-228	298	7	banking	banking	NOUN
abrj-228	298	8	.	.	PUNCT
abrj-228	299	1	journal	journal	PROPN
abrj-228	299	2	of	of	ADP
abrj-228	299	3	the	the	DET
abrj-228	299	4	association	association	NOUN
abrj-228	299	5	for	for	ADP
abrj-228	299	6	information	information	NOUN
abrj-228	299	7	systems	system	NOUN
abrj-228	299	8	,	,	PUNCT
abrj-228	299	9	1(1	1(1	NUM
abrj-228	299	10	)	)	PUNCT
abrj-228	299	11	,	,	PUNCT
abrj-228	299	12	1	1	NUM
abrj-228	299	13	-	-	SYM
abrj-228	299	14	45	45	NUM
abrj-228	299	15	.	.	PUNCT
abrj-228	300	1	ulaga	ulaga	PROPN
abrj-228	300	2	,	,	PUNCT
abrj-228	300	3	w.	w.	PROPN
abrj-228	300	4	,	,	PUNCT
abrj-228	300	5	&	&	CCONJ
abrj-228	300	6	chacour	chacour	PROPN
abrj-228	300	7	,	,	PUNCT
abrj-228	300	8	s.	s.	PROPN
abrj-228	300	9	(	(	PUNCT
abrj-228	300	10	2001	2001	NUM
abrj-228	300	11	)	)	PUNCT
abrj-228	300	12	.	.	PUNCT
abrj-228	301	1	measuring	measure	VERB
abrj-228	301	2	customer	customer	NOUN
abrj-228	301	3	-	-	PUNCT
abrj-228	301	4	perceived	perceive	VERB
abrj-228	301	5	value	value	NOUN
abrj-228	301	6	in	in	ADP
abrj-228	301	7	business	business	NOUN
abrj-228	301	8	markets	market	NOUN
abrj-228	301	9	:	:	PUNCT
abrj-228	301	10	a	a	DET
abrj-228	301	11	prerequisite	prerequisite	NOUN
abrj-228	301	12	for	for	ADP
abrj-228	301	13	marketing	marketing	NOUN
abrj-228	301	14	strategy	strategy	NOUN
abrj-228	301	15	development	development	NOUN
abrj-228	301	16	and	and	CCONJ
abrj-228	301	17	implementation	implementation	NOUN
abrj-228	301	18	.	.	PUNCT
abrj-228	302	1	industrial	industrial	ADJ
abrj-228	302	2	marketing	marketing	NOUN
abrj-228	302	3	management	management	NOUN
abrj-228	302	4	,	,	PUNCT
abrj-228	302	5	30(6	30(6	NUM
abrj-228	302	6	)	)	PUNCT
abrj-228	302	7	,	,	PUNCT
abrj-228	302	8	525	525	NUM
abrj-228	302	9	-	-	SYM
abrj-228	302	10	540	540	NUM
abrj-228	302	11	.	.	PUNCT
abrj-228	303	1	https://doi.org/10.1016/s0019-8501(99)001224	https://doi.org/10.1016/s0019-8501(99)001224	X
abrj-228	303	2	ventresca	ventresca	NOUN
abrj-228	303	3	,	,	PUNCT
abrj-228	303	4	m.	m.	NOUN
abrj-228	303	5	j.	j.	PROPN
abrj-228	303	6	,	,	PUNCT
abrj-228	303	7	&	&	CCONJ
abrj-228	303	8	mohr	mohr	PROPN
abrj-228	303	9	,	,	PUNCT
abrj-228	303	10	j.	j.	PROPN
abrj-228	303	11	w.	w.	PROPN
abrj-228	303	12	(	(	PUNCT
abrj-228	303	13	2017	2017	NUM
abrj-228	303	14	)	)	PUNCT
abrj-228	303	15	.	.	PUNCT
abrj-228	304	1	archival	archival	VERB
abrj-228	304	2	research	research	NOUN
abrj-228	304	3	methods	method	NOUN
abrj-228	304	4	.	.	PUNCT
abrj-228	305	1	the	the	DET
abrj-228	305	2	blackwell	blackwell	ADJ
abrj-228	305	3	companion	companion	NOUN
abrj-228	305	4	to	to	ADP
abrj-228	305	5	organizations	organization	NOUN
abrj-228	305	6	,	,	PUNCT
abrj-228	305	7	805	805	NUM
abrj-228	305	8	-	-	SYM
abrj-228	305	9	828	828	NUM
abrj-228	305	10	.	.	PUNCT
abrj-228	306	1	vogt	vogt	PROPN
abrj-228	306	2	,	,	PUNCT
abrj-228	306	3	w.	w.	PROPN
abrj-228	306	4	p.	p.	PROPN
abrj-228	306	5	,	,	PUNCT
abrj-228	306	6	gardner	gardner	PROPN
abrj-228	306	7	,	,	PUNCT
abrj-228	306	8	d.	d.	PROPN
abrj-228	306	9	c.	c.	PROPN
abrj-228	306	10	,	,	PUNCT
abrj-228	306	11	&	&	CCONJ
abrj-228	306	12	haeffele	haeffele	PROPN
abrj-228	306	13	,	,	PUNCT
abrj-228	306	14	l.	l.	PROPN
abrj-228	306	15	m.	m.	PROPN
abrj-228	306	16	(	(	PUNCT
abrj-228	306	17	2012	2012	NUM
abrj-228	306	18	)	)	PUNCT
abrj-228	306	19	.	.	PUNCT
abrj-228	307	1	when	when	SCONJ
abrj-228	307	2	to	to	PART
abrj-228	307	3	use	use	VERB
abrj-228	307	4	what	what	PRON
abrj-228	307	5	research	research	NOUN
abrj-228	307	6	design	design	NOUN
abrj-228	307	7	.	.	PUNCT
abrj-228	308	1	guilford	guilford	PROPN
abrj-228	308	2	press	press	PROPN
abrj-228	308	3	.	.	PUNCT
abrj-228	309	1	zeithaml	zeithaml	PROPN
abrj-228	309	2	,	,	PUNCT
abrj-228	309	3	a.	a.	NOUN
abrj-228	309	4	(	(	PUNCT
abrj-228	309	5	1988	1988	NUM
abrj-228	309	6	)	)	PUNCT
abrj-228	309	7	.	.	PUNCT
abrj-228	310	1	consumer	consumer	NOUN
abrj-228	310	2	perceptions	perception	NOUN
abrj-228	310	3	of	of	ADP
abrj-228	310	4	price	price	NOUN
abrj-228	310	5	,	,	PUNCT
abrj-228	310	6	quality	quality	NOUN
abrj-228	310	7	,	,	PUNCT
abrj-228	310	8	and	and	CCONJ
abrj-228	310	9	value	value	NOUN
abrj-228	310	10	:	:	PUNCT
abrj-228	310	11	a	a	DET
abrj-228	310	12	means	mean	NOUN
abrj-228	310	13	-	-	PUNCT
abrj-228	310	14	end	end	NOUN
abrj-228	310	15	model	model	NOUN
abrj-228	310	16	and	and	CCONJ
abrj-228	310	17	synthesis	synthesis	NOUN
abrj-228	310	18	of	of	ADP
abrj-228	310	19	evidence	evidence	NOUN
abrj-228	310	20	.	.	PUNCT
abrj-228	311	1	journal	journal	NOUN
abrj-228	311	2	of	of	ADP
abrj-228	311	3	marketing	marketing	NOUN
abrj-228	311	4	:	:	PUNCT
abrj-228	311	5	american	american	PROPN
abrj-228	311	6	marketing	marketing	PROPN
abrj-228	311	7	association	association	PROPN
abrj-228	311	8	,	,	PUNCT
abrj-228	311	9	52(3	52(3	NOUN
abrj-228	311	10	)	)	PUNCT
abrj-228	311	11	,	,	PUNCT
abrj-228	311	12	2	2	NUM
abrj-228	311	13	-	-	SYM
abrj-228	311	14	22	22	NUM
abrj-228	311	15	.	.	PUNCT
abrj-228	312	1	https://doi.org/10.2307/1251446	https://doi.org/10.2307/1251446	NOUN