id	sid	tid	token	lemma	pos
abrj-9	1	1	33	33	NUM
abrj-9	1	2	©	©	PROPN
abrj-9	1	3	2018	2018	NUM
abrj-9	1	4	by	by	ADP
abrj-9	1	5	the	the	DET
abrj-9	1	6	authors	author	NOUN
abrj-9	1	7	;	;	PUNCT
abrj-9	1	8	licensee	licensee	NOUN
abrj-9	1	9	eastern	eastern	ADJ
abrj-9	1	10	centre	centre	NOUN
abrj-9	1	11	of	of	ADP
abrj-9	1	12	science	science	NOUN
abrj-9	1	13	and	and	CCONJ
abrj-9	1	14	education	education	NOUN
abrj-9	1	15	,	,	PUNCT
abrj-9	1	16	usa	usa	PROPN
abrj-9	1	17	asian	asian	PROPN
abrj-9	1	18	business	business	PROPN
abrj-9	1	19	research	research	PROPN
abrj-9	1	20	journal	journal	PROPN
abrj-9	1	21	vol	vol	NOUN
abrj-9	1	22	.	.	PROPN
abrj-9	2	1	3	3	NUM
abrj-9	2	2	,	,	PUNCT
abrj-9	2	3	33	33	NUM
abrj-9	2	4	-	-	SYM
abrj-9	2	5	40	40	NUM
abrj-9	2	6	,	,	PUNCT
abrj-9	2	7	2018	2018	NUM
abrj-9	2	8	issn(e	issn(e	NOUN
abrj-9	2	9	)	)	PUNCT
abrj-9	2	10	:	:	PUNCT
abrj-9	2	11	2576	2576	NUM
abrj-9	2	12	-	-	SYM
abrj-9	2	13	6759	6759	NUM
abrj-9	2	14	doi	doi	NOUN
abrj-9	2	15	:	:	PUNCT
abrj-9	2	16	10.20448	10.20448	NUM
abrj-9	2	17	/	/	SYM
abrj-9	2	18	journal.518.2018.31.33.40	journal.518.2018.31.33.40	PROPN
abrj-9	2	19	©	©	PROPN
abrj-9	2	20	2018	2018	NUM
abrj-9	2	21	by	by	ADP
abrj-9	2	22	the	the	DET
abrj-9	2	23	authors	author	NOUN
abrj-9	2	24	;	;	PUNCT
abrj-9	2	25	licensee	licensee	NOUN
abrj-9	2	26	eastern	eastern	ADJ
abrj-9	2	27	centre	centre	NOUN
abrj-9	2	28	of	of	ADP
abrj-9	2	29	science	science	NOUN
abrj-9	2	30	and	and	CCONJ
abrj-9	2	31	education	education	NOUN
abrj-9	2	32	,	,	PUNCT
abrj-9	2	33	usa	usa	PROPN
abrj-9	2	34	service	service	NOUN
abrj-9	2	35	quality	quality	NOUN
abrj-9	2	36	delivery	delivery	NOUN
abrj-9	2	37	of	of	ADP
abrj-9	2	38	rural	rural	ADJ
abrj-9	2	39	banks	bank	NOUN
abrj-9	2	40	:	:	PUNCT
abrj-9	2	41	perception	perception	NOUN
abrj-9	2	42	of	of	ADP
abrj-9	2	43	customers	customer	NOUN
abrj-9	2	44	in	in	ADP
abrj-9	2	45	emerging	emerge	VERB
abrj-9	2	46	economies	economy	NOUN
abrj-9	2	47	michael	michael	PROPN
abrj-9	2	48	ayikwei	ayikwei	VERB
abrj-9	2	49	quarshie1	quarshie1	PROPN
abrj-9	2	50	reginald	reginald	NOUN
abrj-9	2	51	djimatey2	djimatey2	NOUN
abrj-9	2	52	ama	ama	X
abrj-9	2	53	abakah	abakah	NOUN
abrj-9	2	54	-	-	PUNCT
abrj-9	2	55	anaman3	anaman3	NOUN
abrj-9	2	56	(	(	PUNCT
abrj-9	2	57			PROPN
abrj-9	2	58	corresponding	correspond	VERB
abrj-9	2	59	author	author	NOUN
abrj-9	2	60	)	)	PUNCT
abrj-9	2	61	1,2department	1,2department	NUM
abrj-9	2	62	of	of	ADP
abrj-9	2	63	entrepreneurship	entrepreneurship	NOUN
abrj-9	2	64	and	and	CCONJ
abrj-9	2	65	business	business	NOUN
abrj-9	2	66	sciences	science	NOUN
abrj-9	2	67	,	,	PUNCT
abrj-9	2	68	university	university	NOUN
abrj-9	2	69	of	of	ADP
abrj-9	2	70	energy	energy	NOUN
abrj-9	2	71	and	and	CCONJ
abrj-9	2	72	natural	natural	ADJ
abrj-9	2	73	resources	resource	NOUN
abrj-9	2	74	,	,	PUNCT
abrj-9	2	75	sunyani	sunyani	PROPN
abrj-9	2	76	,	,	PUNCT
abrj-9	2	77	brong	brong	PROPN
abrj-9	2	78	ahafo	ahafo	PROPN
abrj-9	2	79	region	region	PROPN
abrj-9	2	80	,	,	PUNCT
abrj-9	2	81	ghana	ghana	PROPN
abrj-9	2	82	3takoradi	3takoradi	PROPN
abrj-9	2	83	technical	technical	PROPN
abrj-9	2	84	institute	institute	PROPN
abrj-9	2	85	,	,	PUNCT
abrj-9	2	86	takoradi	takoradi	NOUN
abrj-9	2	87	,	,	PUNCT
abrj-9	2	88	western	western	ADJ
abrj-9	2	89	region	region	NOUN
abrj-9	2	90	,	,	PUNCT
abrj-9	2	91	ghana	ghana	PROPN
abrj-9	2	92	abstract	abstract	VERB
abrj-9	2	93	the	the	DET
abrj-9	2	94	aim	aim	NOUN
abrj-9	2	95	of	of	ADP
abrj-9	2	96	this	this	DET
abrj-9	2	97	study	study	NOUN
abrj-9	2	98	was	be	AUX
abrj-9	2	99	to	to	PART
abrj-9	2	100	investigate	investigate	VERB
abrj-9	2	101	service	service	NOUN
abrj-9	2	102	quality	quality	NOUN
abrj-9	2	103	delivery	delivery	NOUN
abrj-9	2	104	of	of	ADP
abrj-9	2	105	rural	rural	ADJ
abrj-9	2	106	banks	bank	NOUN
abrj-9	2	107	in	in	ADP
abrj-9	2	108	emerging	emerge	VERB
abrj-9	2	109	economies	economy	NOUN
abrj-9	2	110	from	from	ADP
abrj-9	2	111	the	the	DET
abrj-9	2	112	customers	customer	NOUN
abrj-9	2	113	’	'	PUNCT
abrj-9	2	114	perspective	perspective	NOUN
abrj-9	2	115	.	.	PUNCT
abrj-9	3	1	this	this	DET
abrj-9	3	2	study	study	NOUN
abrj-9	3	3	employed	employ	VERB
abrj-9	3	4	descriptive	descriptive	ADJ
abrj-9	3	5	design	design	NOUN
abrj-9	3	6	.	.	PUNCT
abrj-9	4	1	a	a	DET
abrj-9	4	2	questionnaire	questionnaire	NOUN
abrj-9	4	3	designed	design	VERB
abrj-9	4	4	by	by	ADP
abrj-9	4	5	the	the	DET
abrj-9	4	6	researchers	researcher	NOUN
abrj-9	4	7	was	be	AUX
abrj-9	4	8	used	use	VERB
abrj-9	4	9	to	to	PART
abrj-9	4	10	obtain	obtain	VERB
abrj-9	4	11	data	datum	NOUN
abrj-9	4	12	from	from	ADP
abrj-9	4	13	382	382	NUM
abrj-9	4	14	customers	customer	NOUN
abrj-9	4	15	,	,	PUNCT
abrj-9	4	16	using	use	VERB
abrj-9	4	17	convenience	convenience	NOUN
abrj-9	4	18	sampling	sample	VERB
abrj-9	4	19	technique	technique	NOUN
abrj-9	4	20	.	.	PUNCT
abrj-9	5	1	data	datum	NOUN
abrj-9	5	2	were	be	AUX
abrj-9	5	3	presented	present	VERB
abrj-9	5	4	and	and	CCONJ
abrj-9	5	5	analyzed	analyze	VERB
abrj-9	5	6	using	use	VERB
abrj-9	5	7	descriptive	descriptive	ADJ
abrj-9	5	8	statistics	statistic	NOUN
abrj-9	5	9	which	which	PRON
abrj-9	5	10	included	include	VERB
abrj-9	5	11	frequencies	frequency	NOUN
abrj-9	5	12	,	,	PUNCT
abrj-9	5	13	percentages	percentage	NOUN
abrj-9	5	14	,	,	PUNCT
abrj-9	5	15	means	mean	NOUN
abrj-9	5	16	and	and	CCONJ
abrj-9	5	17	standard	standard	ADJ
abrj-9	5	18	deviation	deviation	NOUN
abrj-9	5	19	.	.	PUNCT
abrj-9	6	1	the	the	DET
abrj-9	6	2	study	study	NOUN
abrj-9	6	3	found	find	VERB
abrj-9	6	4	that	that	SCONJ
abrj-9	6	5	customers	customer	NOUN
abrj-9	6	6	want	want	VERB
abrj-9	6	7	rural	rural	ADJ
abrj-9	6	8	banks	bank	NOUN
abrj-9	6	9	in	in	ADP
abrj-9	6	10	takoradi	takoradi	NOUN
abrj-9	6	11	to	to	PART
abrj-9	6	12	establish	establish	VERB
abrj-9	6	13	more	more	ADV
abrj-9	6	14	convenient	convenient	ADJ
abrj-9	6	15	branches	branch	NOUN
abrj-9	6	16	i.e.	i.e.	X
abrj-9	6	17	sub	sub	NOUN
abrj-9	6	18	branches	branch	NOUN
abrj-9	6	19	,	,	PUNCT
abrj-9	6	20	outlets	outlet	NOUN
abrj-9	6	21	and	and	CCONJ
abrj-9	6	22	further	far	ADV
abrj-9	6	23	extend	extend	VERB
abrj-9	6	24	banking	banking	NOUN
abrj-9	6	25	hours	hour	NOUN
abrj-9	6	26	to	to	PART
abrj-9	6	27	resolve	resolve	VERB
abrj-9	6	28	overcrowding	overcrowding	NOUN
abrj-9	6	29	at	at	ADP
abrj-9	6	30	the	the	DET
abrj-9	6	31	banking	banking	NOUN
abrj-9	6	32	halls	hall	NOUN
abrj-9	6	33	.	.	PUNCT
abrj-9	7	1	it	it	PRON
abrj-9	7	2	was	be	AUX
abrj-9	7	3	therefore	therefore	ADV
abrj-9	7	4	recommended	recommend	VERB
abrj-9	7	5	that	that	SCONJ
abrj-9	7	6	management	management	NOUN
abrj-9	7	7	of	of	ADP
abrj-9	7	8	these	these	DET
abrj-9	7	9	rural	rural	ADJ
abrj-9	7	10	banks	bank	NOUN
abrj-9	7	11	in	in	ADP
abrj-9	7	12	takoradi	takoradi	NOUN
abrj-9	7	13	,	,	PUNCT
abrj-9	7	14	ghana	ghana	PROPN
abrj-9	7	15	should	should	AUX
abrj-9	7	16	liaise	liaise	VERB
abrj-9	7	17	with	with	ADP
abrj-9	7	18	stakeholders	stakeholder	NOUN
abrj-9	7	19	to	to	PART
abrj-9	7	20	establish	establish	VERB
abrj-9	7	21	more	more	ADJ
abrj-9	7	22	branches	branch	NOUN
abrj-9	7	23	in	in	ADP
abrj-9	7	24	its	its	PRON
abrj-9	7	25	catchment	catchment	NOUN
abrj-9	7	26	areas	area	NOUN
abrj-9	7	27	to	to	PART
abrj-9	7	28	ease	ease	VERB
abrj-9	7	29	the	the	DET
abrj-9	7	30	frequent	frequent	ADJ
abrj-9	7	31	congestion	congestion	NOUN
abrj-9	7	32	in	in	ADP
abrj-9	7	33	the	the	DET
abrj-9	7	34	banking	banking	NOUN
abrj-9	7	35	halls	hall	NOUN
abrj-9	7	36	.	.	PUNCT
abrj-9	8	1	keywords	keyword	NOUN
abrj-9	8	2	:	:	PUNCT
abrj-9	8	3	service	service	NOUN
abrj-9	8	4	quality	quality	NOUN
abrj-9	8	5	delivery	delivery	NOUN
abrj-9	8	6	,	,	PUNCT
abrj-9	8	7	rural	rural	ADJ
abrj-9	8	8	bank	bank	NOUN
abrj-9	8	9	,	,	PUNCT
abrj-9	8	10	servqual	servqual	ADJ
abrj-9	8	11	,	,	PUNCT
abrj-9	8	12	customer	customer	NOUN
abrj-9	8	13	satisfaction	satisfaction	NOUN
abrj-9	8	14	,	,	PUNCT
abrj-9	8	15	responsiveness	responsiveness	NOUN
abrj-9	8	16	,	,	PUNCT
abrj-9	8	17	empathy	empathy	NOUN
abrj-9	8	18	,	,	PUNCT
abrj-9	8	19	assurance	assurance	NOUN
abrj-9	8	20	,	,	PUNCT
abrj-9	8	21	reliability	reliability	NOUN
abrj-9	8	22	,	,	PUNCT
abrj-9	8	23	tangibility	tangibility	NOUN
abrj-9	8	24	,	,	PUNCT
abrj-9	8	25	perception	perception	NOUN
abrj-9	8	26	jel	jel	PROPN
abrj-9	8	27	classification	classification	PROPN
abrj-9	8	28	:	:	PUNCT
abrj-9	8	29	m30	m30	PROPN
abrj-9	8	30	1	1	NUM
abrj-9	8	31	.	.	PUNCT
abrj-9	9	1	introduction	introduction	NOUN
abrj-9	9	2	in	in	ADP
abrj-9	9	3	the	the	DET
abrj-9	9	4	rural	rural	ADJ
abrj-9	9	5	banking	banking	NOUN
abrj-9	9	6	sector	sector	NOUN
abrj-9	9	7	,	,	PUNCT
abrj-9	9	8	service	service	NOUN
abrj-9	9	9	quality	quality	NOUN
abrj-9	9	10	remains	remain	VERB
abrj-9	9	11	a	a	DET
abrj-9	9	12	very	very	ADV
abrj-9	9	13	essential	essential	ADJ
abrj-9	9	14	part	part	NOUN
abrj-9	9	15	of	of	ADP
abrj-9	9	16	customers	customer	NOUN
abrj-9	9	17	’	'	PUNCT
abrj-9	9	18	experience	experience	NOUN
abrj-9	9	19	.	.	PUNCT
abrj-9	10	1	as	as	ADP
abrj-9	10	2	a	a	DET
abrj-9	10	3	result	result	NOUN
abrj-9	10	4	,	,	PUNCT
abrj-9	10	5	most	most	ADJ
abrj-9	10	6	rural	rural	ADJ
abrj-9	10	7	banks	bank	NOUN
abrj-9	10	8	consistently	consistently	ADV
abrj-9	10	9	appraise	appraise	VERB
abrj-9	10	10	their	their	PRON
abrj-9	10	11	services	service	NOUN
abrj-9	10	12	to	to	PART
abrj-9	10	13	promote	promote	VERB
abrj-9	10	14	customer	customer	NOUN
abrj-9	10	15	satisfaction	satisfaction	NOUN
abrj-9	10	16	,	,	PUNCT
abrj-9	10	17	keeping	keep	VERB
abrj-9	10	18	in	in	ADP
abrj-9	10	19	mind	mind	NOUN
abrj-9	10	20	the	the	DET
abrj-9	10	21	end	end	NOUN
abrj-9	10	22	goal	goal	NOUN
abrj-9	10	23	to	to	PART
abrj-9	10	24	improve	improve	VERB
abrj-9	10	25	consumer	consumer	NOUN
abrj-9	10	26	loyalty	loyalty	NOUN
abrj-9	10	27	.	.	PUNCT
abrj-9	11	1	as	as	SCONJ
abrj-9	11	2	demonstrated	demonstrate	VERB
abrj-9	11	3	by	by	ADP
abrj-9	11	4	swar	swar	PROPN
abrj-9	11	5	and	and	CCONJ
abrj-9	11	6	sahoo	sahoo	PROPN
abrj-9	11	7	(	(	PUNCT
abrj-9	11	8	2012	2012	NUM
abrj-9	11	9	)	)	PUNCT
abrj-9	11	10	,	,	PUNCT
abrj-9	11	11	clients	client	NOUN
abrj-9	11	12	are	be	AUX
abrj-9	11	13	satisfied	satisfied	ADJ
abrj-9	11	14	when	when	SCONJ
abrj-9	11	15	rural	rural	ADJ
abrj-9	11	16	banks	bank	NOUN
abrj-9	11	17	offer	offer	VERB
abrj-9	11	18	quality	quality	NOUN
abrj-9	11	19	service	service	NOUN
abrj-9	11	20	that	that	PRON
abrj-9	11	21	meets	meet	VERB
abrj-9	11	22	customer	customer	NOUN
abrj-9	11	23	aspirations	aspiration	NOUN
abrj-9	11	24	.	.	PUNCT
abrj-9	12	1	quality	quality	NOUN
abrj-9	12	2	service	service	NOUN
abrj-9	12	3	rendered	render	VERB
abrj-9	12	4	by	by	ADP
abrj-9	12	5	banks	bank	NOUN
abrj-9	12	6	along	along	ADP
abrj-9	12	7	these	these	DET
abrj-9	12	8	lines	line	NOUN
abrj-9	12	9	creates	create	VERB
abrj-9	12	10	a	a	DET
abrj-9	12	11	more	more	ADV
abrj-9	12	12	fulfilled	fulfil	VERB
abrj-9	12	13	client	client	NOUN
abrj-9	12	14	.	.	PUNCT
abrj-9	13	1	some	some	DET
abrj-9	13	2	studies	study	NOUN
abrj-9	13	3	(	(	PUNCT
abrj-9	13	4	chandon	chandon	PROPN
abrj-9	13	5	et	et	PROPN
abrj-9	13	6	al	al	PROPN
abrj-9	13	7	.	.	PROPN
abrj-9	13	8	,	,	PUNCT
abrj-9	13	9	1997	1997	NUM
abrj-9	13	10	;	;	PUNCT
abrj-9	13	11	jallat	jallat	ADJ
abrj-9	13	12	and	and	CCONJ
abrj-9	13	13	wood	wood	NOUN
abrj-9	13	14	,	,	PUNCT
abrj-9	13	15	2005	2005	NUM
abrj-9	13	16	;	;	PUNCT
abrj-9	13	17	farayibi	farayibi	NOUN
abrj-9	13	18	,	,	PUNCT
abrj-9	13	19	2016	2016	NUM
abrj-9	13	20	)	)	PUNCT
abrj-9	13	21	have	have	AUX
abrj-9	13	22	pointed	point	VERB
abrj-9	13	23	out	out	ADP
abrj-9	13	24	that	that	SCONJ
abrj-9	13	25	the	the	DET
abrj-9	13	26	satisfaction	satisfaction	NOUN
abrj-9	13	27	of	of	ADP
abrj-9	13	28	customers	customer	NOUN
abrj-9	13	29	is	be	AUX
abrj-9	13	30	highly	highly	ADV
abrj-9	13	31	dependent	dependent	ADJ
abrj-9	13	32	on	on	ADP
abrj-9	13	33	the	the	DET
abrj-9	13	34	quality	quality	NOUN
abrj-9	13	35	of	of	ADP
abrj-9	13	36	service	service	NOUN
abrj-9	13	37	offered	offer	VERB
abrj-9	13	38	by	by	ADP
abrj-9	13	39	an	an	DET
abrj-9	13	40	organization	organization	NOUN
abrj-9	13	41	.	.	PUNCT
abrj-9	14	1	the	the	DET
abrj-9	14	2	quality	quality	NOUN
abrj-9	14	3	of	of	ADP
abrj-9	14	4	service	service	NOUN
abrj-9	14	5	delivery	delivery	NOUN
abrj-9	14	6	is	be	AUX
abrj-9	14	7	noted	note	VERB
abrj-9	14	8	as	as	ADP
abrj-9	14	9	a	a	DET
abrj-9	14	10	very	very	ADV
abrj-9	14	11	influential	influential	ADJ
abrj-9	14	12	variable	variable	NOUN
abrj-9	14	13	in	in	ADP
abrj-9	14	14	maintaining	maintain	VERB
abrj-9	14	15	the	the	DET
abrj-9	14	16	satisfaction	satisfaction	NOUN
abrj-9	14	17	of	of	ADP
abrj-9	14	18	customers	customer	NOUN
abrj-9	14	19	which	which	PRON
abrj-9	14	20	leads	lead	VERB
abrj-9	14	21	to	to	ADP
abrj-9	14	22	the	the	DET
abrj-9	14	23	promotion	promotion	NOUN
abrj-9	14	24	of	of	ADP
abrj-9	14	25	customer	customer	NOUN
abrj-9	14	26	loyalty	loyalty	NOUN
abrj-9	14	27	in	in	ADP
abrj-9	14	28	the	the	DET
abrj-9	14	29	long	long	ADJ
abrj-9	14	30	run	run	NOUN
abrj-9	14	31	.	.	PUNCT
abrj-9	15	1	the	the	DET
abrj-9	15	2	banking	banking	NOUN
abrj-9	15	3	sector	sector	NOUN
abrj-9	15	4	has	have	AUX
abrj-9	15	5	seen	see	VERB
abrj-9	15	6	some	some	DET
abrj-9	15	7	various	various	ADJ
abrj-9	15	8	degrees	degree	NOUN
abrj-9	15	9	of	of	ADP
abrj-9	15	10	innovations	innovation	NOUN
abrj-9	15	11	in	in	ADP
abrj-9	15	12	recent	recent	ADJ
abrj-9	15	13	times	time	NOUN
abrj-9	15	14	.	.	PUNCT
abrj-9	16	1	these	these	PRON
abrj-9	16	2	have	have	AUX
abrj-9	16	3	been	be	AUX
abrj-9	16	4	as	as	ADP
abrj-9	16	5	a	a	DET
abrj-9	16	6	result	result	NOUN
abrj-9	16	7	of	of	ADP
abrj-9	16	8	new	new	ADJ
abrj-9	16	9	advances	advance	NOUN
abrj-9	16	10	in	in	ADP
abrj-9	16	11	technology	technology	NOUN
abrj-9	16	12	and	and	CCONJ
abrj-9	16	13	marketing	marketing	NOUN
abrj-9	16	14	,	,	PUNCT
abrj-9	16	15	stiff	stiff	ADJ
abrj-9	16	16	competition	competition	NOUN
abrj-9	16	17	,	,	PUNCT
abrj-9	16	18	advertisement	advertisement	NOUN
abrj-9	16	19	,	,	PUNCT
abrj-9	16	20	unfavorable	unfavorable	ADJ
abrj-9	16	21	economic	economic	ADJ
abrj-9	16	22	conditions	condition	NOUN
abrj-9	16	23	,	,	PUNCT
abrj-9	16	24	unpredictable	unpredictable	ADJ
abrj-9	16	25	customers	customer	NOUN
abrj-9	16	26	and	and	CCONJ
abrj-9	16	27	rapid	rapid	ADJ
abrj-9	16	28	changing	change	VERB
abrj-9	16	29	business	business	NOUN
abrj-9	16	30	climate	climate	NOUN
abrj-9	16	31	.	.	PUNCT
abrj-9	17	1	notably	notably	ADV
abrj-9	17	2	,	,	PUNCT
abrj-9	17	3	the	the	DET
abrj-9	17	4	foregoing	forego	VERB
abrj-9	17	5	factors	factor	NOUN
abrj-9	17	6	pose	pose	VERB
abrj-9	17	7	some	some	DET
abrj-9	17	8	challenges	challenge	NOUN
abrj-9	17	9	to	to	ADP
abrj-9	17	10	these	these	DET
abrj-9	17	11	rural	rural	ADJ
abrj-9	17	12	banks	bank	NOUN
abrj-9	17	13	.	.	PUNCT
abrj-9	18	1	increased	increase	VERB
abrj-9	18	2	product	product	NOUN
abrj-9	18	3	varieties	variety	NOUN
abrj-9	18	4	,	,	PUNCT
abrj-9	18	5	diffusion	diffusion	NOUN
abrj-9	18	6	and	and	CCONJ
abrj-9	18	7	competition	competition	NOUN
abrj-9	18	8	as	as	ADV
abrj-9	18	9	well	well	ADV
abrj-9	18	10	as	as	ADP
abrj-9	18	11	highly	highly	ADV
abrj-9	18	12	enlightened	enlighten	VERB
abrj-9	18	13	consumers	consumer	NOUN
abrj-9	18	14	require	require	VERB
abrj-9	18	15	that	that	SCONJ
abrj-9	18	16	bank	bank	NOUN
abrj-9	18	17	marketers	marketer	NOUN
abrj-9	18	18	solicit	solicit	VERB
abrj-9	18	19	views	view	NOUN
abrj-9	18	20	on	on	ADP
abrj-9	18	21	how	how	SCONJ
abrj-9	18	22	to	to	PART
abrj-9	18	23	meet	meet	VERB
abrj-9	18	24	customer	customer	NOUN
abrj-9	18	25	satisfaction	satisfaction	NOUN
abrj-9	18	26	through	through	ADP
abrj-9	18	27	effective	effective	ADJ
abrj-9	18	28	service	service	NOUN
abrj-9	18	29	quality	quality	NOUN
abrj-9	18	30	delivery	delivery	NOUN
abrj-9	18	31	.	.	PUNCT
abrj-9	19	1	because	because	SCONJ
abrj-9	19	2	of	of	ADP
abrj-9	19	3	the	the	DET
abrj-9	19	4	swift	swift	ADJ
abrj-9	19	5	advancement	advancement	NOUN
abrj-9	19	6	in	in	ADP
abrj-9	19	7	technology	technology	NOUN
abrj-9	19	8	and	and	CCONJ
abrj-9	19	9	stiff	stiff	ADJ
abrj-9	19	10	competition	competition	NOUN
abrj-9	19	11	,	,	PUNCT
abrj-9	19	12	most	most	ADJ
abrj-9	19	13	firms	firm	NOUN
abrj-9	19	14	,	,	PUNCT
abrj-9	19	15	especially	especially	ADV
abrj-9	19	16	banks	bank	NOUN
abrj-9	19	17	,	,	PUNCT
abrj-9	19	18	must	must	AUX
abrj-9	19	19	provide	provide	VERB
abrj-9	19	20	excellent	excellent	ADJ
abrj-9	19	21	services	service	NOUN
abrj-9	19	22	to	to	PART
abrj-9	19	23	accomplish	accomplish	VERB
abrj-9	19	24	the	the	DET
abrj-9	19	25	dynamic	dynamic	ADJ
abrj-9	19	26	banking	banking	NOUN
abrj-9	19	27	needs	need	NOUN
abrj-9	19	28	of	of	ADP
abrj-9	19	29	their	their	PRON
abrj-9	19	30	customers	customer	NOUN
abrj-9	19	31	.	.	PUNCT
abrj-9	20	1	in	in	ADP
abrj-9	20	2	a	a	DET
abrj-9	20	3	bid	bid	NOUN
abrj-9	20	4	to	to	PART
abrj-9	20	5	maximize	maximize	VERB
abrj-9	20	6	customer	customer	NOUN
abrj-9	20	7	satisfaction	satisfaction	NOUN
abrj-9	20	8	,	,	PUNCT
abrj-9	20	9	rural	rural	ADJ
abrj-9	20	10	banks	bank	NOUN
abrj-9	20	11	must	must	AUX
abrj-9	20	12	examine	examine	VERB
abrj-9	20	13	the	the	DET
abrj-9	20	14	kind	kind	NOUN
abrj-9	20	15	of	of	ADP
abrj-9	20	16	service	service	NOUN
abrj-9	20	17	offered	offer	VERB
abrj-9	20	18	to	to	ADP
abrj-9	20	19	customers	customer	NOUN
abrj-9	20	20	.	.	PUNCT
abrj-9	21	1	rural	rural	ADJ
abrj-9	21	2	banking	banking	NOUN
abrj-9	21	3	in	in	ADP
abrj-9	21	4	ghana	ghana	PROPN
abrj-9	21	5	today	today	NOUN
abrj-9	21	6	is	be	AUX
abrj-9	21	7	transforming	transform	VERB
abrj-9	21	8	to	to	PART
abrj-9	21	9	warmly	warmly	ADV
abrj-9	21	10	embrace	embrace	VERB
abrj-9	21	11	the	the	DET
abrj-9	21	12	customer	customer	NOUN
abrj-9	21	13	needs	need	VERB
abrj-9	21	14	in	in	ADP
abrj-9	21	15	their	their	PRON
abrj-9	21	16	strategic	strategic	ADJ
abrj-9	21	17	orientation	orientation	NOUN
abrj-9	21	18	.	.	PUNCT
abrj-9	22	1	besides	besides	SCONJ
abrj-9	22	2	their	their	PRON
abrj-9	22	3	dominance	dominance	NOUN
abrj-9	22	4	in	in	ADP
abrj-9	22	5	the	the	DET
abrj-9	22	6	rural	rural	ADJ
abrj-9	22	7	areas	area	NOUN
abrj-9	22	8	under	under	ADP
abrj-9	22	9	their	their	PRON
abrj-9	22	10	catchment	catchment	NOUN
abrj-9	22	11	areas	area	NOUN
abrj-9	22	12	,	,	PUNCT
abrj-9	22	13	rural	rural	ADJ
abrj-9	22	14	banks	bank	NOUN
abrj-9	22	15	now	now	ADV
abrj-9	22	16	find	find	VERB
abrj-9	22	17	themselves	themselves	PRON
abrj-9	22	18	in	in	ADP
abrj-9	22	19	major	major	ADJ
abrj-9	22	20	cities	city	NOUN
abrj-9	22	21	that	that	PRON
abrj-9	22	22	are	be	AUX
abrj-9	22	23	within	within	ADP
abrj-9	22	24	the	the	DET
abrj-9	22	25	mandated	mandate	VERB
abrj-9	22	26	40	40	NUM
abrj-9	22	27	-	-	PUNCT
abrj-9	22	28	kilometer	kilometer	NOUN
abrj-9	22	29	radius	radius	NOUN
abrj-9	22	30	.	.	PUNCT
abrj-9	23	1	universal	universal	ADJ
abrj-9	23	2	banks	bank	NOUN
abrj-9	23	3	are	be	AUX
abrj-9	23	4	opening	open	VERB
abrj-9	23	5	more	more	ADJ
abrj-9	23	6	mobilization	mobilization	NOUN
abrj-9	23	7	centres	centre	NOUN
abrj-9	23	8	in	in	ADP
abrj-9	23	9	urban	urban	ADJ
abrj-9	23	10	places	place	NOUN
abrj-9	23	11	.	.	PUNCT
abrj-9	24	1	however	however	ADV
abrj-9	24	2	,	,	PUNCT
abrj-9	24	3	the	the	DET
abrj-9	24	4	challenge	challenge	NOUN
abrj-9	24	5	is	be	AUX
abrj-9	24	6	that	that	SCONJ
abrj-9	24	7	as	as	SCONJ
abrj-9	24	8	rural	rural	ADJ
abrj-9	24	9	economies	economy	NOUN
abrj-9	24	10	undergo	undergo	VERB
abrj-9	24	11	fundamental	fundamental	ADJ
abrj-9	24	12	changes	change	NOUN
abrj-9	24	13	,	,	PUNCT
abrj-9	24	14	so	so	ADV
abrj-9	24	15	do	do	VERB
abrj-9	24	16	the	the	DET
abrj-9	24	17	universal	universal	ADJ
abrj-9	24	18	banks	bank	NOUN
abrj-9	24	19	.	.	PUNCT
abrj-9	25	1	banking	bank	VERB
abrj-9	25	2	deregulation	deregulation	NOUN
abrj-9	25	3	in	in	ADP
abrj-9	25	4	recent	recent	ADJ
abrj-9	25	5	times	time	NOUN
abrj-9	25	6	has	have	AUX
abrj-9	25	7	encouraged	encourage	VERB
abrj-9	25	8	the	the	DET
abrj-9	25	9	evolution	evolution	NOUN
abrj-9	25	10	of	of	ADP
abrj-9	25	11	new	new	ADJ
abrj-9	25	12	financial	financial	ADJ
abrj-9	25	13	institutions	institution	NOUN
abrj-9	25	14	much	much	ADV
abrj-9	25	15	as	as	ADP
abrj-9	25	16	the	the	DET
abrj-9	25	17	nationwide	nationwide	ADJ
abrj-9	25	18	branching	branching	NOUN
abrj-9	25	19	of	of	ADP
abrj-9	25	20	existing	exist	VERB
abrj-9	25	21	ones	one	NOUN
abrj-9	25	22	(	(	PUNCT
abrj-9	25	23	addeah	addeah	PROPN
abrj-9	25	24	,	,	PUNCT
abrj-9	25	25	2001	2001	NUM
abrj-9	25	26	)	)	PUNCT
abrj-9	25	27	.	.	PUNCT
abrj-9	26	1	larger	large	ADJ
abrj-9	26	2	financial	financial	ADJ
abrj-9	26	3	institutions	institution	NOUN
abrj-9	26	4	by	by	ADP
abrj-9	26	5	virtue	virtue	NOUN
abrj-9	26	6	of	of	ADP
abrj-9	26	7	their	their	PRON
abrj-9	26	8	flexible	flexible	ADJ
abrj-9	26	9	policy	policy	NOUN
abrj-9	26	10	regulations	regulation	NOUN
abrj-9	26	11	are	be	AUX
abrj-9	26	12	extending	extend	VERB
abrj-9	26	13	their	their	PRON
abrj-9	26	14	services	service	NOUN
abrj-9	26	15	and	and	CCONJ
abrj-9	26	16	products	product	NOUN
abrj-9	26	17	from	from	ADP
abrj-9	26	18	the	the	DET
abrj-9	26	19	cities	city	NOUN
abrj-9	26	20	into	into	ADP
abrj-9	26	21	these	these	DET
abrj-9	26	22	rural	rural	ADJ
abrj-9	26	23	places	place	NOUN
abrj-9	26	24	and	and	CCONJ
abrj-9	26	25	competing	compete	VERB
abrj-9	26	26	with	with	ADP
abrj-9	26	27	the	the	DET
abrj-9	26	28	rural	rural	ADJ
abrj-9	26	29	banks	bank	NOUN
abrj-9	26	30	.	.	PUNCT
abrj-9	27	1	it	it	PRON
abrj-9	27	2	is	be	AUX
abrj-9	27	3	thus	thus	ADV
abrj-9	27	4	a	a	DET
abrj-9	27	5	common	common	ADJ
abrj-9	27	6	activity	activity	NOUN
abrj-9	27	7	to	to	PART
abrj-9	27	8	witness	witness	VERB
abrj-9	27	9	the	the	DET
abrj-9	27	10	rural	rural	ADJ
abrj-9	27	11	communities	community	NOUN
abrj-9	27	12	flooded	flood	VERB
abrj-9	27	13	with	with	ADP
abrj-9	27	14	commercial	commercial	ADJ
abrj-9	27	15	banking	banking	NOUN
abrj-9	27	16	and	and	CCONJ
abrj-9	27	17	micro	micro	NOUN
abrj-9	27	18	financing	financing	NOUN
abrj-9	27	19	institutions	institution	NOUN
abrj-9	27	20	(	(	PUNCT
abrj-9	27	21	bank	bank	NOUN
abrj-9	27	22	of	of	ADP
abrj-9	27	23	ghana	ghana	PROPN
abrj-9	27	24	,	,	PUNCT
abrj-9	27	25	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.518.2018.31.33.40&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.518.2018.31.33.40&domain=pdf&date_stamp=2017-01-14	ADJ
abrj-9	27	26	http://ecsenet.com/index.php/2576-6759/article/view/9	http://ecsenet.com/index.php/2576-6759/article/view/9	PROPN
abrj-9	27	27	https://orcid.org/0000-0003-4391-6484	https://orcid.org/0000-0003-4391-6484	VERB
abrj-9	27	28	https://orcid.org/0000-0001-9757-5799	https://orcid.org/0000-0001-9757-5799	ADP
abrj-9	27	29	https://orcid.org/0000-0003-2229-4620	https://orcid.org/0000-0003-2229-4620	VERB
abrj-9	27	30	http://ecsenet.com/index.php/2576-6759/article/view/9	http://ecsenet.com/index.php/2576-6759/article/view/9	PROPN
abrj-9	27	31	https://orcid.org/0000-0003-4391-6484	https://orcid.org/0000-0003-4391-6484	VERB
abrj-9	27	32	https://orcid.org/0000-0001-9757-5799	https://orcid.org/0000-0001-9757-5799	ADP
abrj-9	27	33	https://orcid.org/0000-0003-2229-4620	https://orcid.org/0000-0003-2229-4620	PROPN
abrj-9	27	34	http://ecsenet.com/index.php/2576-6759/article/view/9	http://ecsenet.com/index.php/2576-6759/article/view/9	PROPN
abrj-9	27	35	https://orcid.org/0000-0003-4391-6484	https://orcid.org/0000-0003-4391-6484	VERB
abrj-9	27	36	https://orcid.org/0000-0001-9757-5799	https://orcid.org/0000-0001-9757-5799	ADP
abrj-9	27	37	https://orcid.org/0000-0003-2229-4620	https://orcid.org/0000-0003-2229-4620	PROPN
abrj-9	27	38	http://ecsenet.com/index.php/2576-6759/article/view/9	http://ecsenet.com/index.php/2576-6759/article/view/9	PROPN
abrj-9	27	39	https://orcid.org/0000-0003-4391-6484	https://orcid.org/0000-0003-4391-6484	VERB
abrj-9	27	40	https://orcid.org/0000-0001-9757-5799	https://orcid.org/0000-0001-9757-5799	ADP
abrj-9	27	41	https://orcid.org/0000-0003-2229-4620	https://orcid.org/0000-0003-2229-4620	PROPN
abrj-9	27	42	asian	asian	PROPN
abrj-9	27	43	business	business	PROPN
abrj-9	27	44	research	research	NOUN
abrj-9	27	45	journal	journal	NOUN
abrj-9	27	46	,	,	PUNCT
abrj-9	27	47	2018	2018	NUM
abrj-9	27	48	,	,	PUNCT
abrj-9	27	49	3	3	NUM
abrj-9	27	50	:	:	SYM
abrj-9	27	51	33	33	NUM
abrj-9	27	52	-	-	SYM
abrj-9	27	53	40	40	NUM
abrj-9	27	54	34	34	NUM
abrj-9	27	55	©	©	PROPN
abrj-9	27	56	2018	2018	NUM
abrj-9	27	57	by	by	ADP
abrj-9	27	58	the	the	DET
abrj-9	27	59	authors	author	NOUN
abrj-9	27	60	;	;	PUNCT
abrj-9	27	61	licensee	licensee	NOUN
abrj-9	27	62	eastern	eastern	ADJ
abrj-9	27	63	centre	centre	NOUN
abrj-9	27	64	of	of	ADP
abrj-9	27	65	science	science	NOUN
abrj-9	27	66	and	and	CCONJ
abrj-9	27	67	education	education	NOUN
abrj-9	27	68	,	,	PUNCT
abrj-9	27	69	usa	usa	PROPN
abrj-9	27	70	2011	2011	NUM
abrj-9	27	71	)	)	PUNCT
abrj-9	27	72	.	.	PUNCT
abrj-9	28	1	in	in	ADP
abrj-9	28	2	order	order	NOUN
abrj-9	28	3	to	to	PART
abrj-9	28	4	raise	raise	VERB
abrj-9	28	5	funds	fund	NOUN
abrj-9	28	6	to	to	PART
abrj-9	28	7	fulfill	fulfill	VERB
abrj-9	28	8	their	their	PRON
abrj-9	28	9	mandate	mandate	NOUN
abrj-9	28	10	of	of	ADP
abrj-9	28	11	meeting	meet	VERB
abrj-9	28	12	financial	financial	ADJ
abrj-9	28	13	obligation	obligation	NOUN
abrj-9	28	14	of	of	ADP
abrj-9	28	15	the	the	DET
abrj-9	28	16	rural	rural	ADJ
abrj-9	28	17	communities	community	NOUN
abrj-9	28	18	,	,	PUNCT
abrj-9	28	19	rural	rural	ADJ
abrj-9	28	20	banks	bank	NOUN
abrj-9	28	21	have	have	VERB
abrj-9	28	22	to	to	PART
abrj-9	28	23	re	re	VERB
abrj-9	28	24	-	-	VERB
abrj-9	28	25	strategise	strategise	VERB
abrj-9	28	26	and	and	CCONJ
abrj-9	28	27	expand	expand	VERB
abrj-9	28	28	into	into	ADP
abrj-9	28	29	economically	economically	ADV
abrj-9	28	30	viable	viable	ADJ
abrj-9	28	31	areas	area	NOUN
abrj-9	28	32	.	.	PUNCT
abrj-9	29	1	however	however	ADV
abrj-9	29	2	,	,	PUNCT
abrj-9	29	3	unlike	unlike	ADP
abrj-9	29	4	the	the	DET
abrj-9	29	5	universal	universal	ADJ
abrj-9	29	6	banks	bank	NOUN
abrj-9	29	7	that	that	PRON
abrj-9	29	8	have	have	VERB
abrj-9	29	9	the	the	DET
abrj-9	29	10	freedom	freedom	NOUN
abrj-9	29	11	to	to	PART
abrj-9	29	12	raise	raise	VERB
abrj-9	29	13	equity	equity	NOUN
abrj-9	29	14	capital	capital	NOUN
abrj-9	29	15	and	and	CCONJ
abrj-9	29	16	open	open	ADJ
abrj-9	29	17	branches	branch	NOUN
abrj-9	29	18	without	without	ADP
abrj-9	29	19	constraints	constraint	NOUN
abrj-9	29	20	,	,	PUNCT
abrj-9	29	21	rural	rural	ADJ
abrj-9	29	22	banks	bank	NOUN
abrj-9	29	23	are	be	AUX
abrj-9	29	24	constrained	constrain	VERB
abrj-9	29	25	by	by	ADP
abrj-9	29	26	two	two	NUM
abrj-9	29	27	main	main	ADJ
abrj-9	29	28	factors	factor	NOUN
abrj-9	29	29	:	:	PUNCT
abrj-9	29	30	they	they	PRON
abrj-9	29	31	are	be	AUX
abrj-9	29	32	permitted	permit	VERB
abrj-9	29	33	to	to	PART
abrj-9	29	34	operate	operate	VERB
abrj-9	29	35	within	within	ADP
abrj-9	29	36	a	a	DET
abrj-9	29	37	forty	forty	NUM
abrj-9	29	38	-	-	PUNCT
abrj-9	29	39	kilometer	kilometer	NOUN
abrj-9	29	40	radius	radius	NOUN
abrj-9	29	41	from	from	ADP
abrj-9	29	42	their	their	PRON
abrj-9	29	43	head	head	NOUN
abrj-9	29	44	office	office	NOUN
abrj-9	29	45	and	and	CCONJ
abrj-9	29	46	equity	equity	NOUN
abrj-9	29	47	capital	capital	NOUN
abrj-9	29	48	is	be	AUX
abrj-9	29	49	mainly	mainly	ADV
abrj-9	29	50	sourced	source	VERB
abrj-9	29	51	from	from	ADP
abrj-9	29	52	their	their	PRON
abrj-9	29	53	shareholders	shareholder	NOUN
abrj-9	29	54	from	from	ADP
abrj-9	29	55	their	their	PRON
abrj-9	29	56	catchment	catchment	NOUN
abrj-9	29	57	area	area	NOUN
abrj-9	29	58	(	(	PUNCT
abrj-9	29	59	association	association	NOUN
abrj-9	29	60	of	of	ADP
abrj-9	29	61	rural	rural	ADJ
abrj-9	29	62	banks	bank	NOUN
abrj-9	29	63	,	,	PUNCT
abrj-9	29	64	2002	2002	NUM
abrj-9	29	65	)	)	PUNCT
abrj-9	29	66	.	.	PUNCT
abrj-9	30	1	these	these	DET
abrj-9	30	2	characteristics	characteristic	NOUN
abrj-9	30	3	place	place	NOUN
abrj-9	30	4	restriction	restriction	NOUN
abrj-9	30	5	on	on	ADP
abrj-9	30	6	the	the	DET
abrj-9	30	7	competitiveness	competitiveness	NOUN
abrj-9	30	8	of	of	ADP
abrj-9	30	9	rural	rural	ADJ
abrj-9	30	10	banks	bank	NOUN
abrj-9	30	11	in	in	ADP
abrj-9	30	12	the	the	DET
abrj-9	30	13	financial	financial	ADJ
abrj-9	30	14	sector	sector	NOUN
abrj-9	30	15	.	.	PUNCT
abrj-9	31	1	many	many	ADJ
abrj-9	31	2	rural	rural	ADJ
abrj-9	31	3	banks	bank	NOUN
abrj-9	31	4	find	find	VERB
abrj-9	31	5	themselves	themselves	PRON
abrj-9	31	6	disadvantaged	disadvantage	VERB
abrj-9	31	7	by	by	ADP
abrj-9	31	8	the	the	DET
abrj-9	31	9	recent	recent	ADJ
abrj-9	31	10	economic	economic	ADJ
abrj-9	31	11	and	and	CCONJ
abrj-9	31	12	financial	financial	ADJ
abrj-9	31	13	changes	change	NOUN
abrj-9	31	14	as	as	ADV
abrj-9	31	15	well	well	ADV
abrj-9	31	16	as	as	ADP
abrj-9	31	17	deregulations	deregulation	NOUN
abrj-9	31	18	in	in	ADP
abrj-9	31	19	other	other	ADJ
abrj-9	31	20	financial	financial	ADJ
abrj-9	31	21	establishments	establishment	NOUN
abrj-9	31	22	.	.	PUNCT
abrj-9	32	1	this	this	DET
abrj-9	32	2	policy	policy	NOUN
abrj-9	32	3	restriction	restriction	NOUN
abrj-9	32	4	poses	pose	VERB
abrj-9	32	5	as	as	ADP
abrj-9	32	6	a	a	DET
abrj-9	32	7	regulatory	regulatory	ADJ
abrj-9	32	8	burden	burden	NOUN
abrj-9	32	9	on	on	ADP
abrj-9	32	10	the	the	DET
abrj-9	32	11	rural	rural	ADJ
abrj-9	32	12	banks	bank	NOUN
abrj-9	32	13	,	,	PUNCT
abrj-9	32	14	making	make	VERB
abrj-9	32	15	it	it	PRON
abrj-9	32	16	difficult	difficult	ADJ
abrj-9	32	17	for	for	SCONJ
abrj-9	32	18	them	they	PRON
abrj-9	32	19	to	to	PART
abrj-9	32	20	compete	compete	VERB
abrj-9	32	21	favourably	favourably	ADV
abrj-9	32	22	with	with	ADP
abrj-9	32	23	their	their	PRON
abrj-9	32	24	counterparts	counterpart	NOUN
abrj-9	32	25	in	in	ADP
abrj-9	32	26	the	the	DET
abrj-9	32	27	other	other	ADJ
abrj-9	32	28	financial	financial	ADJ
abrj-9	32	29	institutions	institution	NOUN
abrj-9	32	30	.	.	PUNCT
abrj-9	33	1	the	the	DET
abrj-9	33	2	above	above	ADJ
abrj-9	33	3	demands	demand	NOUN
abrj-9	33	4	that	that	SCONJ
abrj-9	33	5	rural	rural	ADJ
abrj-9	33	6	banks	bank	NOUN
abrj-9	33	7	must	must	AUX
abrj-9	33	8	surely	surely	ADV
abrj-9	33	9	improve	improve	VERB
abrj-9	33	10	the	the	DET
abrj-9	33	11	quality	quality	NOUN
abrj-9	33	12	of	of	ADP
abrj-9	33	13	service	service	NOUN
abrj-9	33	14	offered	offer	VERB
abrj-9	33	15	in	in	ADP
abrj-9	33	16	a	a	DET
abrj-9	33	17	bid	bid	NOUN
abrj-9	33	18	to	to	PART
abrj-9	33	19	attract	attract	VERB
abrj-9	33	20	and	and	CCONJ
abrj-9	33	21	satisfy	satisfy	VERB
abrj-9	33	22	the	the	DET
abrj-9	33	23	banking	banking	NOUN
abrj-9	33	24	needs	need	NOUN
abrj-9	33	25	of	of	ADP
abrj-9	33	26	their	their	PRON
abrj-9	33	27	customers	customer	NOUN
abrj-9	33	28	.	.	PUNCT
abrj-9	34	1	satisfied	satisfied	ADJ
abrj-9	34	2	customers	customer	NOUN
abrj-9	34	3	become	become	VERB
abrj-9	34	4	royal	royal	ADJ
abrj-9	34	5	and	and	CCONJ
abrj-9	34	6	provide	provide	VERB
abrj-9	34	7	sustained	sustained	ADJ
abrj-9	34	8	revenue	revenue	NOUN
abrj-9	34	9	for	for	ADP
abrj-9	34	10	the	the	DET
abrj-9	34	11	rural	rural	ADJ
abrj-9	34	12	banks	bank	NOUN
abrj-9	34	13	(	(	PUNCT
abrj-9	34	14	swar	swar	PROPN
abrj-9	34	15	and	and	CCONJ
abrj-9	34	16	sahoo	sahoo	PROPN
abrj-9	34	17	,	,	PUNCT
abrj-9	34	18	2012	2012	NUM
abrj-9	34	19	)	)	PUNCT
abrj-9	34	20	.	.	PUNCT
abrj-9	35	1	satisfied	satisfied	ADJ
abrj-9	35	2	customers	customer	NOUN
abrj-9	35	3	also	also	ADV
abrj-9	35	4	attract	attract	VERB
abrj-9	35	5	potential	potential	ADJ
abrj-9	35	6	clients	client	NOUN
abrj-9	35	7	into	into	ADP
abrj-9	35	8	rural	rural	ADJ
abrj-9	35	9	banks	bank	NOUN
abrj-9	35	10	.	.	PUNCT
abrj-9	36	1	to	to	ADP
abrj-9	36	2	these	these	DET
abrj-9	36	3	effects	effect	NOUN
abrj-9	36	4	all	all	DET
abrj-9	36	5	organizations	organization	NOUN
abrj-9	36	6	strive	strive	VERB
abrj-9	36	7	for	for	ADP
abrj-9	36	8	customer	customer	NOUN
abrj-9	36	9	satisfaction	satisfaction	NOUN
abrj-9	36	10	.	.	PUNCT
abrj-9	37	1	high	high	ADJ
abrj-9	37	2	patronage	patronage	NOUN
abrj-9	37	3	of	of	ADP
abrj-9	37	4	service	service	NOUN
abrj-9	37	5	offered	offer	VERB
abrj-9	37	6	by	by	ADP
abrj-9	37	7	an	an	DET
abrj-9	37	8	organization	organization	NOUN
abrj-9	37	9	largely	largely	ADV
abrj-9	37	10	relies	rely	VERB
abrj-9	37	11	upon	upon	SCONJ
abrj-9	37	12	the	the	DET
abrj-9	37	13	satisfaction	satisfaction	NOUN
abrj-9	37	14	that	that	PRON
abrj-9	37	15	customers	customer	NOUN
abrj-9	37	16	get	get	VERB
abrj-9	37	17	from	from	ADP
abrj-9	37	18	that	that	DET
abrj-9	37	19	service	service	NOUN
abrj-9	37	20	.	.	PUNCT
abrj-9	38	1	remarkably	remarkably	ADV
abrj-9	38	2	,	,	PUNCT
abrj-9	38	3	sales	sale	NOUN
abrj-9	38	4	to	to	ADP
abrj-9	38	5	some	some	DET
abrj-9	38	6	extent	extent	NOUN
abrj-9	38	7	are	be	AUX
abrj-9	38	8	directly	directly	ADV
abrj-9	38	9	linked	link	VERB
abrj-9	38	10	to	to	ADP
abrj-9	38	11	customer	customer	NOUN
abrj-9	38	12	satisfaction	satisfaction	NOUN
abrj-9	38	13	as	as	ADP
abrj-9	38	14	increase	increase	NOUN
abrj-9	38	15	in	in	ADP
abrj-9	38	16	sales	sale	NOUN
abrj-9	38	17	requires	require	VERB
abrj-9	38	18	constant	constant	ADJ
abrj-9	38	19	improvement	improvement	NOUN
abrj-9	38	20	in	in	ADP
abrj-9	38	21	the	the	DET
abrj-9	38	22	service	service	NOUN
abrj-9	38	23	quality	quality	NOUN
abrj-9	38	24	,	,	PUNCT
abrj-9	38	25	leading	lead	VERB
abrj-9	38	26	to	to	ADP
abrj-9	38	27	continuous	continuous	ADJ
abrj-9	38	28	patronage	patronage	NOUN
abrj-9	38	29	.	.	PUNCT
abrj-9	39	1	as	as	ADP
abrj-9	39	2	a	a	DET
abrj-9	39	3	result	result	NOUN
abrj-9	39	4	,	,	PUNCT
abrj-9	39	5	the	the	DET
abrj-9	39	6	servqual	servqual	ADJ
abrj-9	39	7	model	model	NOUN
abrj-9	39	8	which	which	PRON
abrj-9	39	9	was	be	AUX
abrj-9	39	10	developed	develop	VERB
abrj-9	39	11	by	by	ADP
abrj-9	39	12	parasuraman	parasuraman	NOUN
abrj-9	39	13	et	et	PROPN
abrj-9	39	14	al	al	PROPN
abrj-9	39	15	.	.	PROPN
abrj-9	40	1	(	(	PUNCT
abrj-9	40	2	1985;1988	1985;1988	NUM
abrj-9	40	3	)	)	PUNCT
abrj-9	40	4	has	have	AUX
abrj-9	40	5	been	be	AUX
abrj-9	40	6	employed	employ	VERB
abrj-9	40	7	by	by	ADP
abrj-9	40	8	many	many	ADJ
abrj-9	40	9	researchers	researcher	NOUN
abrj-9	40	10	globally	globally	ADV
abrj-9	40	11	to	to	PART
abrj-9	40	12	measure	measure	VERB
abrj-9	40	13	the	the	DET
abrj-9	40	14	quality	quality	NOUN
abrj-9	40	15	of	of	ADP
abrj-9	40	16	service	service	NOUN
abrj-9	40	17	offered	offer	VERB
abrj-9	40	18	by	by	ADP
abrj-9	40	19	various	various	ADJ
abrj-9	40	20	institutions	institution	NOUN
abrj-9	40	21	.	.	PUNCT
abrj-9	41	1	parasuraman	parasuraman	NOUN
abrj-9	41	2	et	et	PROPN
abrj-9	41	3	al	al	PROPN
abrj-9	41	4	.	.	PROPN
abrj-9	42	1	(	(	PUNCT
abrj-9	42	2	1988	1988	NUM
abrj-9	42	3	)	)	PUNCT
abrj-9	42	4	conceptualized	conceptualize	VERB
abrj-9	42	5	the	the	DET
abrj-9	42	6	servqual	servqual	ADJ
abrj-9	42	7	model	model	NOUN
abrj-9	42	8	as	as	ADP
abrj-9	42	9	an	an	DET
abrj-9	42	10	instrument	instrument	NOUN
abrj-9	42	11	to	to	PART
abrj-9	42	12	measure	measure	VERB
abrj-9	42	13	the	the	DET
abrj-9	42	14	quality	quality	NOUN
abrj-9	42	15	of	of	ADP
abrj-9	42	16	service	service	NOUN
abrj-9	42	17	based	base	VERB
abrj-9	42	18	on	on	ADP
abrj-9	42	19	the	the	DET
abrj-9	42	20	suggestion	suggestion	NOUN
abrj-9	42	21	that	that	SCONJ
abrj-9	42	22	quality	quality	NOUN
abrj-9	42	23	of	of	ADP
abrj-9	42	24	service	service	NOUN
abrj-9	42	25	is	be	AUX
abrj-9	42	26	the	the	DET
abrj-9	42	27	difference	difference	NOUN
abrj-9	42	28	between	between	ADP
abrj-9	42	29	a	a	DET
abrj-9	42	30	customer	customer	NOUN
abrj-9	42	31	’s	’s	PART
abrj-9	42	32	expectations	expectation	NOUN
abrj-9	42	33	and	and	CCONJ
abrj-9	42	34	perception	perception	NOUN
abrj-9	42	35	of	of	ADP
abrj-9	42	36	service	service	NOUN
abrj-9	42	37	delivery	delivery	NOUN
abrj-9	42	38	.	.	PUNCT
abrj-9	43	1	as	as	SCONJ
abrj-9	43	2	it	it	PRON
abrj-9	43	3	were	be	AUX
abrj-9	43	4	,	,	PUNCT
abrj-9	43	5	service	service	NOUN
abrj-9	43	6	quality	quality	NOUN
abrj-9	43	7	assessment	assessment	NOUN
abrj-9	43	8	is	be	AUX
abrj-9	43	9	conceptualized	conceptualize	VERB
abrj-9	43	10	as	as	ADP
abrj-9	43	11	the	the	DET
abrj-9	43	12	gap	gap	NOUN
abrj-9	43	13	between	between	ADP
abrj-9	43	14	what	what	PRON
abrj-9	43	15	clients	client	NOUN
abrj-9	43	16	anticipate	anticipate	VERB
abrj-9	43	17	from	from	ADP
abrj-9	43	18	a	a	DET
abrj-9	43	19	kind	kind	NOUN
abrj-9	43	20	of	of	ADP
abrj-9	43	21	service	service	NOUN
abrj-9	43	22	offered	offer	VERB
abrj-9	43	23	by	by	ADP
abrj-9	43	24	an	an	DET
abrj-9	43	25	organization	organization	NOUN
abrj-9	43	26	and	and	CCONJ
abrj-9	43	27	the	the	DET
abrj-9	43	28	assessments	assessment	NOUN
abrj-9	43	29	of	of	ADP
abrj-9	43	30	the	the	DET
abrj-9	43	31	performance	performance	NOUN
abrj-9	43	32	of	of	ADP
abrj-9	43	33	that	that	DET
abrj-9	43	34	particular	particular	ADJ
abrj-9	43	35	service	service	NOUN
abrj-9	43	36	offered	offer	VERB
abrj-9	43	37	by	by	ADP
abrj-9	43	38	that	that	DET
abrj-9	43	39	organization	organization	NOUN
abrj-9	43	40	.	.	PUNCT
abrj-9	44	1	parasuraman	parasuraman	NOUN
abrj-9	44	2	et	et	PROPN
abrj-9	44	3	al	al	PROPN
abrj-9	44	4	.	.	PROPN
abrj-9	45	1	(	(	PUNCT
abrj-9	45	2	1988	1988	NUM
abrj-9	45	3	)	)	PUNCT
abrj-9	45	4	established	establish	VERB
abrj-9	45	5	,	,	PUNCT
abrj-9	45	6	that	that	SCONJ
abrj-9	45	7	high	high	ADJ
abrj-9	45	8	degrees	degree	NOUN
abrj-9	45	9	of	of	ADP
abrj-9	45	10	relationship	relationship	NOUN
abrj-9	45	11	exist	exist	VERB
abrj-9	45	12	between	between	ADP
abrj-9	45	13	correspondence	correspondence	NOUN
abrj-9	45	14	,	,	PUNCT
abrj-9	45	15	ability	ability	NOUN
abrj-9	45	16	,	,	PUNCT
abrj-9	45	17	graciousness	graciousness	NOUN
abrj-9	45	18	and	and	CCONJ
abrj-9	45	19	security	security	NOUN
abrj-9	45	20	on	on	ADP
abrj-9	45	21	one	one	NUM
abrj-9	45	22	hand	hand	NOUN
abrj-9	45	23	,	,	PUNCT
abrj-9	45	24	and	and	CCONJ
abrj-9	45	25	access	access	NOUN
abrj-9	45	26	and	and	CCONJ
abrj-9	45	27	comprehension	comprehension	NOUN
abrj-9	45	28	on	on	ADP
abrj-9	45	29	the	the	DET
abrj-9	45	30	other	other	ADJ
abrj-9	45	31	.	.	PUNCT
abrj-9	46	1	they	they	PRON
abrj-9	46	2	developed	develop	VERB
abrj-9	46	3	two	two	NUM
abrj-9	46	4	dimensions	dimension	NOUN
abrj-9	46	5	of	of	ADP
abrj-9	46	6	empathy	empathy	NOUN
abrj-9	46	7	and	and	CCONJ
abrj-9	46	8	assurance	assurance	NOUN
abrj-9	46	9	to	to	PART
abrj-9	46	10	make	make	VERB
abrj-9	46	11	up	up	ADP
abrj-9	46	12	the	the	DET
abrj-9	46	13	five	five	NUM
abrj-9	46	14	merged	merged	ADJ
abrj-9	46	15	dimensions	dimension	NOUN
abrj-9	46	16	,	,	PUNCT
abrj-9	46	17	specifically	specifically	ADV
abrj-9	46	18	,	,	PUNCT
abrj-9	46	19	tangibility	tangibility	NOUN
abrj-9	46	20	,	,	PUNCT
abrj-9	46	21	reliability	reliability	NOUN
abrj-9	46	22	,	,	PUNCT
abrj-9	46	23	responsiveness	responsiveness	NOUN
abrj-9	46	24	,	,	PUNCT
abrj-9	46	25	assurance	assurance	NOUN
abrj-9	46	26	and	and	CCONJ
abrj-9	46	27	empathy	empathy	NOUN
abrj-9	46	28	.	.	PUNCT
abrj-9	47	1	these	these	DET
abrj-9	47	2	measurements	measurement	NOUN
abrj-9	47	3	,	,	PUNCT
abrj-9	47	4	therefore	therefore	ADV
abrj-9	47	5	,	,	PUNCT
abrj-9	47	6	served	serve	VERB
abrj-9	47	7	as	as	ADP
abrj-9	47	8	the	the	DET
abrj-9	47	9	basis	basis	NOUN
abrj-9	47	10	for	for	ADP
abrj-9	47	11	measuring	measure	VERB
abrj-9	47	12	or	or	CCONJ
abrj-9	47	13	assessing	assess	VERB
abrj-9	47	14	the	the	DET
abrj-9	47	15	quality	quality	NOUN
abrj-9	47	16	of	of	ADP
abrj-9	47	17	service	service	NOUN
abrj-9	47	18	delivery	delivery	NOUN
abrj-9	47	19	of	of	ADP
abrj-9	47	20	rural	rural	ADJ
abrj-9	47	21	banks	bank	NOUN
abrj-9	47	22	in	in	ADP
abrj-9	47	23	this	this	DET
abrj-9	47	24	study	study	NOUN
abrj-9	47	25	.	.	PUNCT
abrj-9	48	1	though	though	SCONJ
abrj-9	48	2	some	some	DET
abrj-9	48	3	rural	rural	ADJ
abrj-9	48	4	banks	bank	NOUN
abrj-9	48	5	have	have	AUX
abrj-9	48	6	introduced	introduce	VERB
abrj-9	48	7	some	some	DET
abrj-9	48	8	few	few	ADJ
abrj-9	48	9	programmes	programme	NOUN
abrj-9	48	10	and	and	CCONJ
abrj-9	48	11	policies	policy	NOUN
abrj-9	48	12	aimed	aim	VERB
abrj-9	48	13	at	at	ADP
abrj-9	48	14	mitigating	mitigate	VERB
abrj-9	48	15	the	the	DET
abrj-9	48	16	needs	need	NOUN
abrj-9	48	17	of	of	ADP
abrj-9	48	18	its	its	PRON
abrj-9	48	19	customers	customer	NOUN
abrj-9	48	20	,	,	PUNCT
abrj-9	48	21	no	no	DET
abrj-9	48	22	much	much	ADV
abrj-9	48	23	scientific	scientific	ADJ
abrj-9	48	24	study	study	NOUN
abrj-9	48	25	has	have	AUX
abrj-9	48	26	been	be	AUX
abrj-9	48	27	done	do	VERB
abrj-9	48	28	by	by	ADP
abrj-9	48	29	the	the	DET
abrj-9	48	30	rural	rural	ADJ
abrj-9	48	31	banks	bank	NOUN
abrj-9	48	32	to	to	PART
abrj-9	48	33	ascertain	ascertain	VERB
abrj-9	48	34	whether	whether	SCONJ
abrj-9	48	35	or	or	CCONJ
abrj-9	48	36	not	not	PART
abrj-9	48	37	these	these	DET
abrj-9	48	38	interventions	intervention	NOUN
abrj-9	48	39	have	have	AUX
abrj-9	48	40	been	be	AUX
abrj-9	48	41	able	able	ADJ
abrj-9	48	42	to	to	PART
abrj-9	48	43	yield	yield	VERB
abrj-9	48	44	the	the	DET
abrj-9	48	45	expected	expect	VERB
abrj-9	48	46	return	return	NOUN
abrj-9	48	47	.	.	PUNCT
abrj-9	49	1	these	these	DET
abrj-9	49	2	programmes	programme	NOUN
abrj-9	49	3	include	include	VERB
abrj-9	49	4	provision	provision	NOUN
abrj-9	49	5	of	of	ADP
abrj-9	49	6	appealing	appealing	ADJ
abrj-9	49	7	materials	material	NOUN
abrj-9	49	8	and	and	CCONJ
abrj-9	49	9	equipment	equipment	NOUN
abrj-9	49	10	’s	’s	PART
abrj-9	49	11	,	,	PUNCT
abrj-9	49	12	provision	provision	NOUN
abrj-9	49	13	of	of	ADP
abrj-9	49	14	convenient	convenient	ADJ
abrj-9	49	15	branches	branch	NOUN
abrj-9	49	16	(	(	PUNCT
abrj-9	49	17	sub	sub	NOUN
abrj-9	49	18	branches	branch	NOUN
abrj-9	49	19	,	,	PUNCT
abrj-9	49	20	outlets	outlet	NOUN
abrj-9	49	21	)	)	PUNCT
abrj-9	49	22	and	and	CCONJ
abrj-9	49	23	operating	operate	VERB
abrj-9	49	24	in	in	ADP
abrj-9	49	25	extended	extended	ADJ
abrj-9	49	26	hours	hour	NOUN
abrj-9	49	27	to	to	ADP
abrj-9	49	28	all	all	DET
abrj-9	49	29	its	its	PRON
abrj-9	49	30	customers	customer	NOUN
abrj-9	49	31	without	without	ADP
abrj-9	49	32	wasting	waste	VERB
abrj-9	49	33	much	much	ADJ
abrj-9	49	34	time	time	NOUN
abrj-9	49	35	in	in	ADP
abrj-9	49	36	long	long	ADJ
abrj-9	49	37	queues	queue	NOUN
abrj-9	49	38	.	.	PUNCT
abrj-9	50	1	it	it	PRON
abrj-9	50	2	is	be	AUX
abrj-9	50	3	against	against	ADP
abrj-9	50	4	this	this	DET
abrj-9	50	5	background	background	NOUN
abrj-9	50	6	that	that	SCONJ
abrj-9	50	7	this	this	DET
abrj-9	50	8	study	study	NOUN
abrj-9	50	9	sought	seek	VERB
abrj-9	50	10	to	to	PART
abrj-9	50	11	apply	apply	VERB
abrj-9	50	12	the	the	DET
abrj-9	50	13	measurement	measurement	NOUN
abrj-9	50	14	to	to	PART
abrj-9	50	15	investigate	investigate	VERB
abrj-9	50	16	service	service	NOUN
abrj-9	50	17	quality	quality	NOUN
abrj-9	50	18	delivery	delivery	NOUN
abrj-9	50	19	of	of	ADP
abrj-9	50	20	rural	rural	ADJ
abrj-9	50	21	banks	bank	NOUN
abrj-9	50	22	in	in	ADP
abrj-9	50	23	an	an	DET
abrj-9	50	24	emerging	emerge	VERB
abrj-9	50	25	economy	economy	NOUN
abrj-9	50	26	,	,	PUNCT
abrj-9	50	27	ghana	ghana	PROPN
abrj-9	50	28	from	from	ADP
abrj-9	50	29	the	the	DET
abrj-9	50	30	customers	customer	NOUN
abrj-9	50	31	’	'	PUNCT
abrj-9	50	32	perspective	perspective	NOUN
abrj-9	50	33	.	.	PUNCT
abrj-9	51	1	2	2	X
abrj-9	51	2	.	.	X
abrj-9	51	3	literature	literature	NOUN
abrj-9	51	4	review	review	VERB
abrj-9	51	5	2.1	2.1	NUM
abrj-9	51	6	.	.	PUNCT
abrj-9	52	1	the	the	DET
abrj-9	52	2	concept	concept	NOUN
abrj-9	52	3	of	of	ADP
abrj-9	52	4	service	service	NOUN
abrj-9	52	5	offering	offering	NOUN
abrj-9	52	6	unlike	unlike	ADP
abrj-9	52	7	tangible	tangible	ADJ
abrj-9	52	8	products	product	NOUN
abrj-9	52	9	,	,	PUNCT
abrj-9	52	10	a	a	DET
abrj-9	52	11	service	service	NOUN
abrj-9	52	12	is	be	AUX
abrj-9	52	13	an	an	DET
abrj-9	52	14	unpredictable	unpredictable	ADJ
abrj-9	52	15	phenomenon	phenomenon	NOUN
abrj-9	52	16	and	and	CCONJ
abrj-9	52	17	many	many	ADJ
abrj-9	52	18	segmented	segmented	ADJ
abrj-9	52	19	definitions	definition	NOUN
abrj-9	52	20	have	have	AUX
abrj-9	52	21	surfaced	surface	VERB
abrj-9	52	22	(	(	PUNCT
abrj-9	52	23	jallat	jallat	ADJ
abrj-9	52	24	and	and	CCONJ
abrj-9	52	25	wood	wood	NOUN
abrj-9	52	26	,	,	PUNCT
abrj-9	52	27	2005	2005	NUM
abrj-9	52	28	;	;	PUNCT
abrj-9	52	29	hirvonen	hirvonen	NOUN
abrj-9	52	30	,	,	PUNCT
abrj-9	52	31	2007	2007	NUM
abrj-9	52	32	)	)	PUNCT
abrj-9	52	33	.	.	PUNCT
abrj-9	53	1	jallat	jallat	ADJ
abrj-9	53	2	and	and	CCONJ
abrj-9	53	3	wood	wood	NOUN
abrj-9	53	4	(	(	PUNCT
abrj-9	53	5	2005	2005	NUM
abrj-9	53	6	)	)	PUNCT
abrj-9	53	7	characterized	characterize	VERB
abrj-9	53	8	a	a	DET
abrj-9	53	9	service	service	NOUN
abrj-9	53	10	as	as	ADP
abrj-9	53	11	a	a	DET
abrj-9	53	12	concurrent	concurrent	ADJ
abrj-9	53	13	process	process	NOUN
abrj-9	53	14	,	,	PUNCT
abrj-9	53	15	a	a	DET
abrj-9	53	16	social	social	ADJ
abrj-9	53	17	interaction	interaction	NOUN
abrj-9	53	18	,	,	PUNCT
abrj-9	53	19	a	a	DET
abrj-9	53	20	relationship	relationship	NOUN
abrj-9	53	21	and	and	CCONJ
abrj-9	53	22	an	an	DET
abrj-9	53	23	intangible	intangible	ADJ
abrj-9	53	24	result	result	NOUN
abrj-9	53	25	.	.	PUNCT
abrj-9	54	1	zeithaml	zeithaml	PROPN
abrj-9	54	2	et	et	PROPN
abrj-9	54	3	al	al	PROPN
abrj-9	54	4	.	.	PROPN
abrj-9	55	1	(	(	PUNCT
abrj-9	55	2	2000	2000	NUM
abrj-9	55	3	)	)	PUNCT
abrj-9	55	4	noted	note	VERB
abrj-9	55	5	that	that	SCONJ
abrj-9	55	6	services	service	NOUN
abrj-9	55	7	can	can	AUX
abrj-9	55	8	be	be	AUX
abrj-9	55	9	observed	observe	VERB
abrj-9	55	10	as	as	ADP
abrj-9	55	11	deeds	deed	NOUN
abrj-9	55	12	,	,	PUNCT
abrj-9	55	13	procedures	procedure	NOUN
abrj-9	55	14	and	and	CCONJ
abrj-9	55	15	performance	performance	NOUN
abrj-9	55	16	.	.	PUNCT
abrj-9	56	1	as	as	SCONJ
abrj-9	56	2	indicated	indicate	VERB
abrj-9	56	3	by	by	ADP
abrj-9	56	4	kotler	kotler	NOUN
abrj-9	56	5	and	and	CCONJ
abrj-9	56	6	keller	keller	PROPN
abrj-9	56	7	(	(	PUNCT
abrj-9	56	8	2006	2006	NUM
abrj-9	56	9	)	)	PUNCT
abrj-9	56	10	a	a	DET
abrj-9	56	11	service	service	NOUN
abrj-9	56	12	is	be	AUX
abrj-9	56	13	a	a	DET
abrj-9	56	14	demonstration	demonstration	NOUN
abrj-9	56	15	or	or	CCONJ
abrj-9	56	16	execution	execution	NOUN
abrj-9	56	17	that	that	PRON
abrj-9	56	18	one	one	NUM
abrj-9	56	19	party	party	NOUN
abrj-9	56	20	can	can	AUX
abrj-9	56	21	offer	offer	VERB
abrj-9	56	22	another	another	PRON
abrj-9	56	23	that	that	PRON
abrj-9	56	24	is	be	AUX
abrj-9	56	25	basically	basically	ADV
abrj-9	56	26	elusive	elusive	ADJ
abrj-9	56	27	and	and	CCONJ
abrj-9	56	28	does	do	AUX
abrj-9	56	29	not	not	PART
abrj-9	56	30	result	result	VERB
abrj-9	56	31	in	in	ADP
abrj-9	56	32	the	the	DET
abrj-9	56	33	ownership	ownership	NOUN
abrj-9	56	34	of	of	ADP
abrj-9	56	35	anything	anything	PRON
abrj-9	56	36	.	.	PUNCT
abrj-9	57	1	different	different	ADJ
abrj-9	57	2	authors	author	NOUN
abrj-9	57	3	have	have	AUX
abrj-9	57	4	proffered	proffer	VERB
abrj-9	57	5	various	various	ADJ
abrj-9	57	6	definitions	definition	NOUN
abrj-9	57	7	relative	relative	ADJ
abrj-9	57	8	to	to	ADP
abrj-9	57	9	what	what	PRON
abrj-9	57	10	service	service	NOUN
abrj-9	57	11	is	be	AUX
abrj-9	57	12	or	or	CCONJ
abrj-9	57	13	is	be	AUX
abrj-9	57	14	not	not	PART
abrj-9	57	15	.	.	PUNCT
abrj-9	58	1	notwithstanding	notwithstanding	ADP
abrj-9	58	2	the	the	DET
abrj-9	58	3	different	different	ADJ
abrj-9	58	4	definitions	definition	NOUN
abrj-9	58	5	,	,	PUNCT
abrj-9	58	6	many	many	ADJ
abrj-9	58	7	believe	believe	VERB
abrj-9	58	8	that	that	SCONJ
abrj-9	58	9	services	service	NOUN
abrj-9	58	10	are	be	AUX
abrj-9	58	11	intangible	intangible	ADJ
abrj-9	58	12	,	,	PUNCT
abrj-9	58	13	interactive	interactive	ADJ
abrj-9	58	14	,	,	PUNCT
abrj-9	58	15	experiential	experiential	ADJ
abrj-9	58	16	and	and	CCONJ
abrj-9	58	17	do	do	AUX
abrj-9	58	18	not	not	PART
abrj-9	58	19	include	include	VERB
abrj-9	58	20	the	the	DET
abrj-9	58	21	exchange	exchange	NOUN
abrj-9	58	22	of	of	ADP
abrj-9	58	23	possession	possession	NOUN
abrj-9	58	24	2.2	2.2	NUM
abrj-9	58	25	.	.	PUNCT
abrj-9	59	1	characteristics	characteristic	NOUN
abrj-9	59	2	of	of	ADP
abrj-9	59	3	service	service	NOUN
abrj-9	59	4	there	there	PRON
abrj-9	59	5	are	be	VERB
abrj-9	59	6	four	four	NUM
abrj-9	59	7	special	special	ADJ
abrj-9	59	8	service	service	NOUN
abrj-9	59	9	characteristics	characteristic	NOUN
abrj-9	59	10	that	that	PRON
abrj-9	59	11	distinguish	distinguish	VERB
abrj-9	59	12	services	service	NOUN
abrj-9	59	13	from	from	ADP
abrj-9	59	14	goods	good	NOUN
abrj-9	59	15	.	.	PUNCT
abrj-9	60	1	as	as	SCONJ
abrj-9	60	2	noted	note	VERB
abrj-9	60	3	by	by	ADP
abrj-9	60	4	zeithaml	zeithaml	PROPN
abrj-9	60	5	et	et	PROPN
abrj-9	60	6	al	al	PROPN
abrj-9	60	7	.	.	PROPN
abrj-9	60	8	(	(	PUNCT
abrj-9	60	9	2006	2006	NUM
abrj-9	60	10	)	)	PUNCT
abrj-9	60	11	;	;	PUNCT
abrj-9	60	12	zeithaml	zeithaml	PROPN
abrj-9	60	13	et	et	PROPN
abrj-9	60	14	al	al	PROPN
abrj-9	60	15	.	.	PROPN
abrj-9	61	1	(	(	PUNCT
abrj-9	61	2	2000	2000	NUM
abrj-9	61	3	)	)	PUNCT
abrj-9	61	4	and	and	CCONJ
abrj-9	61	5	soutar	soutar	NOUN
abrj-9	61	6	and	and	CCONJ
abrj-9	61	7	mcneil	mcneil	PROPN
abrj-9	61	8	(	(	PUNCT
abrj-9	61	9	1996	1996	NUM
abrj-9	61	10	)	)	PUNCT
abrj-9	62	1	the	the	DET
abrj-9	62	2	four	four	NUM
abrj-9	62	3	fundamental	fundamental	ADJ
abrj-9	62	4	attributes	attribute	NOUN
abrj-9	62	5	that	that	PRON
abrj-9	62	6	separate	separate	ADJ
abrj-9	62	7	services	service	NOUN
abrj-9	62	8	from	from	ADP
abrj-9	62	9	goods	good	NOUN
abrj-9	62	10	are	be	AUX
abrj-9	62	11	inseparability	inseparability	NOUN
abrj-9	62	12	,	,	PUNCT
abrj-9	62	13	intangibility	intangibility	NOUN
abrj-9	62	14	,	,	PUNCT
abrj-9	62	15	variability	variability	NOUN
abrj-9	62	16	and	and	CCONJ
abrj-9	62	17	perishability	perishability	NOUN
abrj-9	62	18	.	.	PUNCT
abrj-9	63	1	zeithaml	zeithaml	PROPN
abrj-9	63	2	et	et	PROPN
abrj-9	63	3	al	al	PROPN
abrj-9	63	4	.	.	PROPN
abrj-9	64	1	(	(	PUNCT
abrj-9	64	2	1990	1990	NUM
abrj-9	64	3	)	)	PUNCT
abrj-9	64	4	in	in	ADP
abrj-9	64	5	admission	admission	NOUN
abrj-9	64	6	recognized	recognize	VERB
abrj-9	64	7	intangibility	intangibility	NOUN
abrj-9	64	8	,	,	PUNCT
abrj-9	64	9	heterogeneity	heterogeneity	NOUN
abrj-9	64	10	,	,	PUNCT
abrj-9	64	11	perishability	perishability	NOUN
abrj-9	64	12	and	and	CCONJ
abrj-9	64	13	inseparability	inseparability	NOUN
abrj-9	64	14	as	as	SCONJ
abrj-9	64	15	the	the	DET
abrj-9	64	16	principal	principal	NOUN
abrj-9	64	17	attributes	attribute	VERB
abrj-9	64	18	that	that	PRON
abrj-9	64	19	makes	make	VERB
abrj-9	64	20	service	service	NOUN
abrj-9	64	21	not	not	PART
abrj-9	64	22	the	the	DET
abrj-9	64	23	same	same	ADJ
abrj-9	64	24	as	as	ADP
abrj-9	64	25	goods	good	NOUN
abrj-9	64	26	as	as	ADV
abrj-9	64	27	far	far	ADV
abrj-9	64	28	as	as	SCONJ
abrj-9	64	29	how	how	SCONJ
abrj-9	64	30	they	they	PRON
abrj-9	64	31	are	be	AUX
abrj-9	64	32	delivered	deliver	VERB
abrj-9	64	33	,	,	PUNCT
abrj-9	64	34	expended	expend	VERB
abrj-9	64	35	and	and	CCONJ
abrj-9	64	36	evaluated	evaluate	VERB
abrj-9	64	37	.	.	PUNCT
abrj-9	65	1	2.3	2.3	NUM
abrj-9	65	2	.	.	PUNCT
abrj-9	65	3	types	type	NOUN
abrj-9	65	4	of	of	ADP
abrj-9	65	5	service	service	NOUN
abrj-9	65	6	studies	study	NOUN
abrj-9	65	7	(	(	PUNCT
abrj-9	65	8	bitner	bitner	NOUN
abrj-9	65	9	,	,	PUNCT
abrj-9	65	10	1990	1990	NUM
abrj-9	65	11	;	;	PUNCT
abrj-9	65	12	chandon	chandon	PROPN
abrj-9	65	13	et	et	PROPN
abrj-9	65	14	al	al	PROPN
abrj-9	65	15	.	.	PROPN
abrj-9	65	16	,	,	PUNCT
abrj-9	65	17	1997	1997	NUM
abrj-9	65	18	;	;	PUNCT
abrj-9	65	19	liljander	liljander	NOUN
abrj-9	65	20	and	and	CCONJ
abrj-9	65	21	mattsson	mattsson	NOUN
abrj-9	65	22	,	,	PUNCT
abrj-9	65	23	2002	2002	NUM
abrj-9	65	24	)	)	PUNCT
abrj-9	65	25	have	have	AUX
abrj-9	65	26	indicated	indicate	VERB
abrj-9	65	27	distinctive	distinctive	ADJ
abrj-9	65	28	sorts	sort	NOUN
abrj-9	65	29	of	of	ADP
abrj-9	65	30	connections	connection	NOUN
abrj-9	65	31	that	that	PRON
abrj-9	65	32	may	may	AUX
abrj-9	65	33	happen	happen	VERB
abrj-9	65	34	in	in	ADP
abrj-9	65	35	an	an	DET
abrj-9	65	36	experience	experience	NOUN
abrj-9	65	37	.	.	PUNCT
abrj-9	66	1	these	these	PRON
abrj-9	66	2	are	be	AUX
abrj-9	66	3	face	face	NOUN
abrj-9	66	4	-	-	PUNCT
abrj-9	66	5	to	to	ADP
abrj-9	66	6	-	-	PUNCT
abrj-9	66	7	face	face	NOUN
abrj-9	66	8	interactions	interaction	NOUN
abrj-9	66	9	,	,	PUNCT
abrj-9	66	10	remote	remote	ADJ
abrj-9	66	11	interactions	interaction	NOUN
abrj-9	66	12	,	,	PUNCT
abrj-9	66	13	and	and	CCONJ
abrj-9	66	14	phone	phone	NOUN
abrj-9	66	15	interactions	interaction	NOUN
abrj-9	66	16	(	(	PUNCT
abrj-9	66	17	surprenant	surprenant	NOUN
abrj-9	66	18	and	and	CCONJ
abrj-9	66	19	solomon	solomon	PROPN
abrj-9	66	20	,	,	PUNCT
abrj-9	66	21	1987	1987	NUM
abrj-9	66	22	;	;	PUNCT
abrj-9	66	23	bitner	bitner	NOUN
abrj-9	66	24	,	,	PUNCT
abrj-9	66	25	1990	1990	NUM
abrj-9	66	26	;	;	PUNCT
abrj-9	66	27	chandon	chandon	PROPN
abrj-9	66	28	et	et	PROPN
abrj-9	66	29	al	al	PROPN
abrj-9	66	30	.	.	PROPN
abrj-9	66	31	,	,	PUNCT
abrj-9	66	32	1997	1997	NUM
abrj-9	66	33	;	;	PUNCT
abrj-9	66	34	liljander	liljander	NOUN
abrj-9	66	35	and	and	CCONJ
abrj-9	66	36	mattsson	mattsson	NOUN
abrj-9	66	37	,	,	PUNCT
abrj-9	66	38	2002	2002	NUM
abrj-9	66	39	)	)	PUNCT
abrj-9	66	40	.	.	PUNCT
abrj-9	67	1	it	it	PRON
abrj-9	67	2	has	have	AUX
abrj-9	67	3	also	also	ADV
abrj-9	67	4	been	be	AUX
abrj-9	67	5	suggested	suggest	VERB
abrj-9	67	6	that	that	SCONJ
abrj-9	67	7	the	the	DET
abrj-9	67	8	different	different	ADJ
abrj-9	67	9	categories	category	NOUN
abrj-9	67	10	of	of	ADP
abrj-9	67	11	service	service	NOUN
abrj-9	67	12	encountered	encounter	VERB
abrj-9	67	13	may	may	AUX
abrj-9	67	14	affect	affect	VERB
abrj-9	67	15	the	the	DET
abrj-9	67	16	overall	overall	ADJ
abrj-9	67	17	service	service	NOUN
abrj-9	67	18	assessment	assessment	NOUN
abrj-9	67	19	(	(	PUNCT
abrj-9	67	20	danaher	danaher	NOUN
abrj-9	67	21	and	and	CCONJ
abrj-9	67	22	mattsson	mattsson	NOUN
abrj-9	67	23	,	,	PUNCT
abrj-9	67	24	1994	1994	NUM
abrj-9	67	25	;	;	PUNCT
abrj-9	67	26	liljander	liljander	NOUN
abrj-9	67	27	and	and	CCONJ
abrj-9	67	28	mattsson	mattsson	NOUN
abrj-9	67	29	,	,	PUNCT
abrj-9	67	30	2002	2002	NUM
abrj-9	67	31	)	)	PUNCT
abrj-9	67	32	.	.	PUNCT
abrj-9	68	1	2.4	2.4	NUM
abrj-9	68	2	.	.	PUNCT
abrj-9	68	3	service	service	NOUN
abrj-9	68	4	delivery	delivery	NOUN
abrj-9	68	5	in	in	ADP
abrj-9	68	6	banks	bank	NOUN
abrj-9	68	7	service	service	NOUN
abrj-9	68	8	delivery	delivery	NOUN
abrj-9	68	9	is	be	AUX
abrj-9	68	10	very	very	ADV
abrj-9	68	11	much	much	ADV
abrj-9	68	12	associated	associate	VERB
abrj-9	68	13	with	with	ADP
abrj-9	68	14	the	the	DET
abrj-9	68	15	kind	kind	NOUN
abrj-9	68	16	of	of	ADP
abrj-9	68	17	quality	quality	NOUN
abrj-9	68	18	services	service	NOUN
abrj-9	68	19	provided	provide	VERB
abrj-9	68	20	to	to	ADP
abrj-9	68	21	clients	client	NOUN
abrj-9	68	22	or	or	CCONJ
abrj-9	68	23	customers	customer	NOUN
abrj-9	68	24	.	.	PUNCT
abrj-9	69	1	bank	bank	NOUN
abrj-9	69	2	service	service	NOUN
abrj-9	69	3	delivery	delivery	NOUN
abrj-9	69	4	can	can	AUX
abrj-9	69	5	simply	simply	ADV
abrj-9	69	6	be	be	AUX
abrj-9	69	7	observed	observe	VERB
abrj-9	69	8	as	as	ADP
abrj-9	69	9	the	the	DET
abrj-9	69	10	delivery	delivery	NOUN
abrj-9	69	11	and	and	CCONJ
abrj-9	69	12	provision	provision	NOUN
abrj-9	69	13	of	of	ADP
abrj-9	69	14	quality	quality	NOUN
abrj-9	69	15	services	service	NOUN
abrj-9	69	16	rendered	render	VERB
abrj-9	69	17	to	to	ADP
abrj-9	69	18	customers	customer	NOUN
abrj-9	69	19	.	.	PUNCT
abrj-9	70	1	banks	bank	NOUN
abrj-9	70	2	’	'	PUNCT
abrj-9	70	3	ability	ability	NOUN
abrj-9	70	4	to	to	PART
abrj-9	70	5	render	render	VERB
abrj-9	70	6	a	a	DET
abrj-9	70	7	good	good	ADJ
abrj-9	70	8	quality	quality	NOUN
abrj-9	70	9	service	service	NOUN
abrj-9	70	10	to	to	ADP
abrj-9	70	11	their	their	PRON
abrj-9	70	12	clients	client	NOUN
abrj-9	70	13	would	would	AUX
abrj-9	70	14	definitely	definitely	ADV
abrj-9	70	15	be	be	AUX
abrj-9	70	16	evident	evident	ADJ
abrj-9	70	17	in	in	ADP
abrj-9	70	18	their	their	PRON
abrj-9	70	19	customer	customer	NOUN
abrj-9	70	20	base	base	NOUN
abrj-9	70	21	as	as	SCONJ
abrj-9	70	22	every	every	DET
abrj-9	70	23	customer	customer	NOUN
abrj-9	70	24	would	would	AUX
abrj-9	70	25	want	want	VERB
abrj-9	70	26	a	a	DET
abrj-9	70	27	quality	quality	NOUN
abrj-9	70	28	service	service	NOUN
abrj-9	70	29	(	(	PUNCT
abrj-9	70	30	farayibi	farayibi	NOUN
abrj-9	70	31	,	,	PUNCT
abrj-9	70	32	2016	2016	NUM
abrj-9	70	33	)	)	PUNCT
abrj-9	70	34	.	.	PUNCT
abrj-9	71	1	asian	asian	ADJ
abrj-9	71	2	business	business	PROPN
abrj-9	71	3	research	research	NOUN
abrj-9	71	4	journal	journal	NOUN
abrj-9	71	5	,	,	PUNCT
abrj-9	71	6	2018	2018	NUM
abrj-9	71	7	,	,	PUNCT
abrj-9	71	8	3	3	NUM
abrj-9	71	9	:	:	SYM
abrj-9	71	10	33	33	NUM
abrj-9	71	11	-	-	SYM
abrj-9	71	12	40	40	NUM
abrj-9	71	13	35	35	NUM
abrj-9	71	14	©	©	PROPN
abrj-9	71	15	2018	2018	NUM
abrj-9	71	16	by	by	ADP
abrj-9	71	17	the	the	DET
abrj-9	71	18	authors	author	NOUN
abrj-9	71	19	;	;	PUNCT
abrj-9	71	20	licensee	licensee	NOUN
abrj-9	71	21	eastern	eastern	ADJ
abrj-9	71	22	centre	centre	NOUN
abrj-9	71	23	of	of	ADP
abrj-9	71	24	science	science	NOUN
abrj-9	71	25	and	and	CCONJ
abrj-9	71	26	education	education	NOUN
abrj-9	71	27	,	,	PUNCT
abrj-9	71	28	usa	usa	PROPN
abrj-9	71	29	obviously	obviously	ADV
abrj-9	71	30	,	,	PUNCT
abrj-9	71	31	one	one	NUM
abrj-9	71	32	of	of	ADP
abrj-9	71	33	the	the	DET
abrj-9	71	34	components	component	NOUN
abrj-9	71	35	that	that	PRON
abrj-9	71	36	separate	separate	ADJ
abrj-9	71	37	competitors	competitor	NOUN
abrj-9	71	38	(	(	PUNCT
abrj-9	71	39	banks	bank	NOUN
abrj-9	71	40	)	)	PUNCT
abrj-9	71	41	from	from	ADP
abrj-9	71	42	the	the	DET
abrj-9	71	43	others	other	NOUN
abrj-9	71	44	(	(	PUNCT
abrj-9	71	45	different	different	ADJ
abrj-9	71	46	banks	bank	NOUN
abrj-9	71	47	)	)	PUNCT
abrj-9	71	48	in	in	ADP
abrj-9	71	49	the	the	DET
abrj-9	71	50	ghanaian	ghanaian	ADJ
abrj-9	71	51	financial	financial	ADJ
abrj-9	71	52	sector	sector	NOUN
abrj-9	71	53	is	be	AUX
abrj-9	71	54	their	their	PRON
abrj-9	71	55	quality	quality	NOUN
abrj-9	71	56	,	,	PUNCT
abrj-9	71	57	level	level	NOUN
abrj-9	71	58	and	and	CCONJ
abrj-9	71	59	nature	nature	NOUN
abrj-9	71	60	of	of	ADP
abrj-9	71	61	service	service	NOUN
abrj-9	71	62	rendered	render	VERB
abrj-9	71	63	.	.	PUNCT
abrj-9	72	1	this	this	PRON
abrj-9	72	2	is	be	AUX
abrj-9	72	3	on	on	ADP
abrj-9	72	4	the	the	DET
abrj-9	72	5	grounds	ground	NOUN
abrj-9	72	6	that	that	SCONJ
abrj-9	72	7	service	service	NOUN
abrj-9	72	8	quality	quality	NOUN
abrj-9	72	9	delivery	delivery	NOUN
abrj-9	72	10	decides	decide	VERB
abrj-9	72	11	the	the	DET
abrj-9	72	12	level	level	NOUN
abrj-9	72	13	of	of	ADP
abrj-9	72	14	clients	client	NOUN
abrj-9	72	15	'	'	PART
abrj-9	72	16	satisfaction	satisfaction	NOUN
abrj-9	72	17	and	and	CCONJ
abrj-9	72	18	thus	thus	ADV
abrj-9	72	19	,	,	PUNCT
abrj-9	72	20	the	the	DET
abrj-9	72	21	client	client	NOUN
abrj-9	72	22	base	base	NOUN
abrj-9	72	23	of	of	ADP
abrj-9	72	24	any	any	DET
abrj-9	72	25	bank	bank	NOUN
abrj-9	72	26	.	.	PUNCT
abrj-9	73	1	the	the	DET
abrj-9	73	2	support	support	NOUN
abrj-9	73	3	by	by	ADP
abrj-9	73	4	clients	client	NOUN
abrj-9	73	5	on	on	ADP
abrj-9	73	6	the	the	DET
abrj-9	73	7	quality	quality	NOUN
abrj-9	73	8	of	of	ADP
abrj-9	73	9	service	service	NOUN
abrj-9	73	10	delivery	delivery	NOUN
abrj-9	73	11	by	by	ADP
abrj-9	73	12	a	a	DET
abrj-9	73	13	given	give	VERB
abrj-9	73	14	bank	bank	NOUN
abrj-9	73	15	,	,	PUNCT
abrj-9	73	16	presumably	presumably	ADV
abrj-9	73	17	,	,	PUNCT
abrj-9	73	18	is	be	AUX
abrj-9	73	19	subject	subject	ADJ
abrj-9	73	20	to	to	ADP
abrj-9	73	21	the	the	DET
abrj-9	73	22	level	level	NOUN
abrj-9	73	23	of	of	ADP
abrj-9	73	24	the	the	DET
abrj-9	73	25	fulfillment	fulfillment	NOUN
abrj-9	73	26	they	they	PRON
abrj-9	73	27	so	so	ADV
abrj-9	73	28	get	get	VERB
abrj-9	73	29	from	from	ADP
abrj-9	73	30	it	it	PRON
abrj-9	73	31	.	.	PUNCT
abrj-9	74	1	satisfaction	satisfaction	NOUN
abrj-9	74	2	in	in	ADP
abrj-9	74	3	connection	connection	NOUN
abrj-9	74	4	to	to	ADP
abrj-9	74	5	a	a	DET
abrj-9	74	6	bank	bank	NOUN
abrj-9	74	7	service	service	NOUN
abrj-9	74	8	quality	quality	NOUN
abrj-9	74	9	delivery	delivery	NOUN
abrj-9	74	10	is	be	AUX
abrj-9	74	11	the	the	DET
abrj-9	74	12	clients	client	NOUN
abrj-9	74	13	'	'	PART
abrj-9	74	14	assessment	assessment	NOUN
abrj-9	74	15	of	of	ADP
abrj-9	74	16	the	the	DET
abrj-9	74	17	service	service	NOUN
abrj-9	74	18	regarding	regard	VERB
abrj-9	74	19	whether	whether	SCONJ
abrj-9	74	20	that	that	DET
abrj-9	74	21	service	service	NOUN
abrj-9	74	22	addressed	address	VERB
abrj-9	74	23	his	his	PRON
abrj-9	74	24	or	or	CCONJ
abrj-9	74	25	her	her	PRON
abrj-9	74	26	issues	issue	NOUN
abrj-9	74	27	and	and	CCONJ
abrj-9	74	28	desires	desire	NOUN
abrj-9	74	29	(	(	PUNCT
abrj-9	74	30	ako	ako	PROPN
abrj-9	74	31	-	-	PUNCT
abrj-9	74	32	nai	nai	PROPN
abrj-9	74	33	,	,	PUNCT
abrj-9	74	34	2011	2011	NUM
abrj-9	74	35	)	)	PUNCT
abrj-9	74	36	.	.	PUNCT
abrj-9	75	1	happy	happy	ADJ
abrj-9	75	2	and	and	CCONJ
abrj-9	75	3	satisfied	satisfied	ADJ
abrj-9	75	4	customers	customer	NOUN
abrj-9	75	5	behave	behave	VERB
abrj-9	75	6	in	in	ADP
abrj-9	75	7	a	a	DET
abrj-9	75	8	positive	positive	ADJ
abrj-9	75	9	manner	manner	NOUN
abrj-9	75	10	.	.	PUNCT
abrj-9	76	1	the	the	DET
abrj-9	76	2	impact	impact	NOUN
abrj-9	76	3	of	of	ADP
abrj-9	76	4	service	service	NOUN
abrj-9	76	5	quality	quality	NOUN
abrj-9	76	6	delivery	delivery	NOUN
abrj-9	76	7	by	by	ADP
abrj-9	76	8	banks	bank	NOUN
abrj-9	76	9	and	and	CCONJ
abrj-9	76	10	the	the	DET
abrj-9	76	11	satisfaction	satisfaction	NOUN
abrj-9	76	12	resultant	resultant	VERB
abrj-9	76	13	by	by	ADP
abrj-9	76	14	clients	client	NOUN
abrj-9	76	15	are	be	AUX
abrj-9	76	16	getting	get	VERB
abrj-9	76	17	to	to	PART
abrj-9	76	18	be	be	AUX
abrj-9	76	19	recognizable	recognizable	ADJ
abrj-9	76	20	.	.	PUNCT
abrj-9	77	1	given	give	VERB
abrj-9	77	2	that	that	PRON
abrj-9	77	3	contemporary	contemporary	ADJ
abrj-9	77	4	clients	client	NOUN
abrj-9	77	5	are	be	AUX
abrj-9	77	6	more	more	ADV
abrj-9	77	7	enlighten	enlighten	ADJ
abrj-9	77	8	and	and	CCONJ
abrj-9	77	9	informed	inform	VERB
abrj-9	77	10	in	in	ADP
abrj-9	77	11	recent	recent	ADJ
abrj-9	77	12	time	time	NOUN
abrj-9	77	13	,	,	PUNCT
abrj-9	77	14	mkoma	mkoma	PROPN
abrj-9	77	15	(	(	PUNCT
abrj-9	77	16	2014	2014	NUM
abrj-9	77	17	)	)	PUNCT
abrj-9	77	18	puts	put	VERB
abrj-9	77	19	forward	forward	ADV
abrj-9	77	20	that	that	SCONJ
abrj-9	77	21	meeting	meeting	NOUN
abrj-9	77	22	clients	client	NOUN
abrj-9	77	23	’	'	PUNCT
abrj-9	77	24	desire	desire	NOUN
abrj-9	77	25	in	in	ADP
abrj-9	77	26	relations	relation	NOUN
abrj-9	77	27	to	to	PART
abrj-9	77	28	satisfaction	satisfaction	NOUN
abrj-9	77	29	is	be	AUX
abrj-9	77	30	progressively	progressively	ADV
abrj-9	77	31	becoming	become	VERB
abrj-9	77	32	more	more	ADV
abrj-9	77	33	cumbersome	cumbersome	ADJ
abrj-9	77	34	.	.	PUNCT
abrj-9	78	1	2.5	2.5	NUM
abrj-9	78	2	.	.	PUNCT
abrj-9	79	1	the	the	DET
abrj-9	79	2	concept	concept	NOUN
abrj-9	79	3	of	of	ADP
abrj-9	79	4	quality	quality	NOUN
abrj-9	79	5	some	some	DET
abrj-9	79	6	literature	literature	NOUN
abrj-9	79	7	suggests	suggest	VERB
abrj-9	79	8	that	that	SCONJ
abrj-9	79	9	it	it	PRON
abrj-9	79	10	is	be	AUX
abrj-9	79	11	quite	quite	ADV
abrj-9	79	12	difficult	difficult	ADJ
abrj-9	79	13	to	to	PART
abrj-9	79	14	define	define	VERB
abrj-9	79	15	quality	quality	NOUN
abrj-9	79	16	(	(	PUNCT
abrj-9	79	17	zeithaml	zeithaml	PROPN
abrj-9	79	18	et	et	PROPN
abrj-9	79	19	al	al	PROPN
abrj-9	79	20	.	.	PROPN
abrj-9	79	21	,	,	PUNCT
abrj-9	79	22	2006	2006	NUM
abrj-9	79	23	)	)	PUNCT
abrj-9	79	24	.	.	PUNCT
abrj-9	80	1	there	there	PRON
abrj-9	80	2	is	be	VERB
abrj-9	80	3	no	no	DET
abrj-9	80	4	globally	globally	ADV
abrj-9	80	5	acknowledged	acknowledge	VERB
abrj-9	80	6	definition	definition	NOUN
abrj-9	80	7	of	of	ADP
abrj-9	80	8	the	the	DET
abrj-9	80	9	term	term	NOUN
abrj-9	80	10	quality	quality	NOUN
abrj-9	80	11	.	.	PUNCT
abrj-9	81	1	the	the	DET
abrj-9	81	2	term	term	NOUN
abrj-9	81	3	quality	quality	NOUN
abrj-9	81	4	has	have	AUX
abrj-9	81	5	been	be	AUX
abrj-9	81	6	viewed	view	VERB
abrj-9	81	7	differently	differently	ADV
abrj-9	81	8	by	by	ADP
abrj-9	81	9	many	many	ADJ
abrj-9	81	10	researchers	researcher	NOUN
abrj-9	81	11	’	'	PUNCT
abrj-9	81	12	.	.	PUNCT
abrj-9	82	1	quality	quality	NOUN
abrj-9	82	2	might	might	AUX
abrj-9	82	3	be	be	AUX
abrj-9	82	4	characterized	characterize	VERB
abrj-9	82	5	as	as	ADP
abrj-9	82	6	a	a	DET
abrj-9	82	7	property	property	NOUN
abrj-9	82	8	of	of	ADP
abrj-9	82	9	goods	good	NOUN
abrj-9	82	10	or	or	CCONJ
abrj-9	82	11	service	service	NOUN
abrj-9	82	12	,	,	PUNCT
abrj-9	82	13	or	or	CCONJ
abrj-9	82	14	procedures	procedure	NOUN
abrj-9	82	15	in	in	ADP
abrj-9	82	16	delivering	deliver	VERB
abrj-9	82	17	these	these	DET
abrj-9	82	18	goods	good	NOUN
abrj-9	82	19	or	or	CCONJ
abrj-9	82	20	services	service	NOUN
abrj-9	82	21	(	(	PUNCT
abrj-9	82	22	sahney	sahney	NOUN
abrj-9	82	23	et	et	PROPN
abrj-9	82	24	al	al	PROPN
abrj-9	82	25	.	.	PROPN
abrj-9	82	26	,	,	PUNCT
abrj-9	82	27	2004	2004	NUM
abrj-9	82	28	)	)	PUNCT
abrj-9	83	1	characterized	characterize	VERB
abrj-9	83	2	quality	quality	NOUN
abrj-9	83	3	as	as	ADP
abrj-9	83	4	meeting	meeting	NOUN
abrj-9	83	5	or	or	CCONJ
abrj-9	83	6	surpassing	surpass	VERB
abrj-9	83	7	client	client	NOUN
abrj-9	83	8	desires	desire	NOUN
abrj-9	83	9	or	or	CCONJ
abrj-9	83	10	expectation	expectation	NOUN
abrj-9	83	11	.	.	PUNCT
abrj-9	84	1	some	some	DET
abrj-9	84	2	researchers	researcher	NOUN
abrj-9	84	3	contend	contend	VERB
abrj-9	84	4	that	that	SCONJ
abrj-9	84	5	quality	quality	NOUN
abrj-9	84	6	is	be	AUX
abrj-9	84	7	the	the	DET
abrj-9	84	8	way	way	NOUN
abrj-9	84	9	clients	client	NOUN
abrj-9	84	10	characterize	characterize	VERB
abrj-9	84	11	it	it	PRON
abrj-9	84	12	lovelock	lovelock	NOUN
abrj-9	84	13	and	and	CCONJ
abrj-9	84	14	wirtz	wirtz	PROPN
abrj-9	84	15	(	(	PUNCT
abrj-9	84	16	2007	2007	NUM
abrj-9	84	17	)	)	PUNCT
abrj-9	84	18	and	and	CCONJ
abrj-9	84	19	must	must	AUX
abrj-9	84	20	be	be	AUX
abrj-9	84	21	characterized	characterize	VERB
abrj-9	84	22	from	from	ADP
abrj-9	84	23	client	client	NOUN
abrj-9	84	24	's	's	PART
abrj-9	84	25	point	point	NOUN
abrj-9	84	26	of	of	ADP
abrj-9	84	27	view	view	NOUN
abrj-9	84	28	.	.	PUNCT
abrj-9	85	1	sahney	sahney	NOUN
abrj-9	85	2	et	et	PROPN
abrj-9	85	3	al	al	PROPN
abrj-9	85	4	.	.	PROPN
abrj-9	86	1	(	(	PUNCT
abrj-9	86	2	2004	2004	NUM
abrj-9	86	3	)	)	PUNCT
abrj-9	86	4	contend	contend	VERB
abrj-9	86	5	that	that	SCONJ
abrj-9	86	6	customer	customer	NOUN
abrj-9	86	7	’s	’s	PART
abrj-9	86	8	definition	definition	NOUN
abrj-9	86	9	of	of	ADP
abrj-9	86	10	quality	quality	NOUN
abrj-9	86	11	product	product	NOUN
abrj-9	86	12	helps	helps	AUX
abrj-9	86	13	distinguish	distinguish	VERB
abrj-9	86	14	and	and	CCONJ
abrj-9	86	15	build	build	VERB
abrj-9	86	16	up	up	ADP
abrj-9	86	17	the	the	DET
abrj-9	86	18	applicable	applicable	ADJ
abrj-9	86	19	bases	basis	NOUN
abrj-9	86	20	and	and	CCONJ
abrj-9	86	21	criteria	criterion	NOUN
abrj-9	86	22	for	for	ADP
abrj-9	86	23	assessing	assess	VERB
abrj-9	86	24	quality	quality	NOUN
abrj-9	86	25	.	.	PUNCT
abrj-9	87	1	a	a	DET
abrj-9	87	2	meaning	meaning	NOUN
abrj-9	87	3	of	of	ADP
abrj-9	87	4	"	"	PUNCT
abrj-9	87	5	quality	quality	NOUN
abrj-9	87	6	"	"	PUNCT
abrj-9	87	7	was	be	AUX
abrj-9	87	8	given	give	VERB
abrj-9	87	9	by	by	ADP
abrj-9	87	10	coulson	coulson	PROPN
abrj-9	87	11	-	-	PUNCT
abrj-9	87	12	thomas	thomas	PROPN
abrj-9	87	13	and	and	CCONJ
abrj-9	87	14	brown	brown	ADJ
abrj-9	87	15	(	(	PUNCT
abrj-9	87	16	1990	1990	NUM
abrj-9	87	17	)	)	PUNCT
abrj-9	87	18	from	from	ADP
abrj-9	87	19	customer	customer	NOUN
abrj-9	87	20	’s	’s	PART
abrj-9	87	21	point	point	NOUN
abrj-9	87	22	of	of	ADP
abrj-9	87	23	view	view	NOUN
abrj-9	87	24	.	.	PUNCT
abrj-9	88	1	they	they	PRON
abrj-9	88	2	viewed	view	VERB
abrj-9	88	3	quality	quality	NOUN
abrj-9	88	4	as	as	ADP
abrj-9	88	5	:	:	PUNCT
abrj-9	88	6	"	"	PUNCT
abrj-9	88	7	how	how	SCONJ
abrj-9	88	8	reliably	reliably	ADV
abrj-9	88	9	or	or	CCONJ
abrj-9	88	10	dependent	dependent	ADJ
abrj-9	88	11	is	be	AUX
abrj-9	88	12	the	the	DET
abrj-9	88	13	product	product	NOUN
abrj-9	88	14	or	or	CCONJ
abrj-9	88	15	service	service	NOUN
abrj-9	88	16	rendered	render	VERB
abrj-9	88	17	,	,	PUNCT
abrj-9	88	18	meets	meet	VERB
abrj-9	88	19	or	or	CCONJ
abrj-9	88	20	surpasses	surpass	VERB
abrj-9	88	21	the	the	DET
abrj-9	88	22	customer	customer	NOUN
abrj-9	88	23	?	?	PUNCT
abrj-9	89	1	(	(	PUNCT
abrj-9	89	2	external	external	ADJ
abrj-9	89	3	and	and	CCONJ
abrj-9	89	4	internal	internal	ADJ
abrj-9	89	5	)	)	PUNCT
abrj-9	89	6	expectations	expectation	NOUN
abrj-9	89	7	and	and	CCONJ
abrj-9	89	8	needs	need	NOUN
abrj-9	89	9	"	"	PUNCT
abrj-9	89	10	.	.	PUNCT
abrj-9	90	1	brenda	brenda	PROPN
abrj-9	90	2	and	and	CCONJ
abrj-9	90	3	steve	steve	PROPN
abrj-9	90	4	(	(	PUNCT
abrj-9	90	5	2000	2000	NUM
abrj-9	90	6	)	)	PUNCT
abrj-9	90	7	support	support	NOUN
abrj-9	90	8	this	this	DET
abrj-9	90	9	view	view	NOUN
abrj-9	90	10	and	and	CCONJ
abrj-9	90	11	postulate	postulate	VERB
abrj-9	90	12	that	that	SCONJ
abrj-9	90	13	the	the	DET
abrj-9	90	14	term	term	NOUN
abrj-9	90	15	quality	quality	NOUN
abrj-9	90	16	alludes	allude	VERB
abrj-9	90	17	to	to	ADP
abrj-9	90	18	a	a	DET
abrj-9	90	19	state	state	NOUN
abrj-9	90	20	of	of	ADP
abrj-9	90	21	mind	mind	NOUN
abrj-9	90	22	about	about	ADP
abrj-9	90	23	how	how	SCONJ
abrj-9	90	24	to	to	PART
abrj-9	90	25	conduct	conduct	VERB
abrj-9	90	26	business	business	NOUN
abrj-9	90	27	,	,	PUNCT
abrj-9	90	28	regardless	regardless	ADV
abrj-9	90	29	of	of	ADP
abrj-9	90	30	the	the	DET
abrj-9	90	31	kind	kind	NOUN
abrj-9	90	32	of	of	ADP
abrj-9	90	33	business	business	NOUN
abrj-9	90	34	adventure	adventure	NOUN
abrj-9	90	35	.	.	PUNCT
abrj-9	91	1	that	that	PRON
abrj-9	91	2	state	state	NOUN
abrj-9	91	3	of	of	ADP
abrj-9	91	4	mind	mind	NOUN
abrj-9	91	5	fixates	fixate	VERB
abrj-9	91	6	on	on	ADP
abrj-9	91	7	two	two	NUM
abrj-9	91	8	things	thing	NOUN
abrj-9	91	9	:	:	PUNCT
abrj-9	91	10	the	the	DET
abrj-9	91	11	first	first	ADJ
abrj-9	91	12	being	be	AUX
abrj-9	91	13	meeting	meet	VERB
abrj-9	91	14	or	or	CCONJ
abrj-9	91	15	surpassing	surpass	VERB
abrj-9	91	16	customers	customer	NOUN
abrj-9	91	17	'	'	PART
abrj-9	91	18	wants	want	VERB
abrj-9	91	19	,	,	PUNCT
abrj-9	91	20	needs	need	NOUN
abrj-9	91	21	,	,	PUNCT
abrj-9	91	22	and	and	CCONJ
abrj-9	91	23	desires	desire	NOUN
abrj-9	91	24	and	and	CCONJ
abrj-9	91	25	the	the	DET
abrj-9	91	26	second	second	NOUN
abrj-9	91	27	is	be	AUX
abrj-9	91	28	,	,	PUNCT
abrj-9	91	29	doing	do	VERB
abrj-9	91	30	it	it	PRON
abrj-9	91	31	in	in	ADP
abrj-9	91	32	a	a	DET
abrj-9	91	33	productive	productive	ADJ
abrj-9	91	34	way	way	NOUN
abrj-9	91	35	.	.	PUNCT
abrj-9	92	1	it	it	PRON
abrj-9	92	2	does	do	VERB
abrj-9	92	3	no	no	ADV
abrj-9	92	4	great	great	ADJ
abrj-9	92	5	to	to	PART
abrj-9	92	6	deliver	deliver	VERB
abrj-9	92	7	a	a	DET
abrj-9	92	8	phenomenal	phenomenal	ADJ
abrj-9	92	9	product	product	NOUN
abrj-9	92	10	that	that	PRON
abrj-9	92	11	no	no	DET
abrj-9	92	12	one	one	NUM
abrj-9	92	13	needs	need	VERB
abrj-9	92	14	,	,	PUNCT
abrj-9	92	15	similarly	similarly	ADV
abrj-9	92	16	as	as	SCONJ
abrj-9	92	17	it	it	PRON
abrj-9	92	18	does	do	AUX
abrj-9	92	19	no	no	ADV
abrj-9	92	20	great	great	ADJ
abrj-9	92	21	to	to	PART
abrj-9	92	22	create	create	VERB
abrj-9	92	23	a	a	DET
abrj-9	92	24	superb	superb	ADJ
abrj-9	92	25	item	item	NOUN
abrj-9	92	26	utilizing	utilize	VERB
abrj-9	92	27	wasteful	wasteful	ADJ
abrj-9	92	28	procedures	procedure	NOUN
abrj-9	92	29	.	.	PUNCT
abrj-9	93	1	the	the	DET
abrj-9	93	2	quality	quality	NOUN
abrj-9	93	3	concept	concept	NOUN
abrj-9	93	4	then	then	ADV
abrj-9	93	5	refers	refer	VERB
abrj-9	93	6	not	not	PART
abrj-9	93	7	just	just	ADV
abrj-9	93	8	product	product	NOUN
abrj-9	93	9	or	or	CCONJ
abrj-9	93	10	service	service	NOUN
abrj-9	93	11	provided	provide	VERB
abrj-9	93	12	but	but	CCONJ
abrj-9	93	13	also	also	ADV
abrj-9	93	14	how	how	SCONJ
abrj-9	93	15	it	it	PRON
abrj-9	93	16	is	be	AUX
abrj-9	93	17	provided	provide	VERB
abrj-9	93	18	.	.	PUNCT
abrj-9	94	1	2.6	2.6	NUM
abrj-9	94	2	.	.	PUNCT
abrj-9	94	3	servqual	servqual	PROPN
abrj-9	94	4	model	model	PROPN
abrj-9	94	5	zeithaml	zeithaml	PROPN
abrj-9	94	6	et	et	PROPN
abrj-9	94	7	al	al	PROPN
abrj-9	94	8	.	.	PROPN
abrj-9	95	1	(	(	PUNCT
abrj-9	95	2	2000	2000	NUM
abrj-9	95	3	)	)	PUNCT
abrj-9	95	4	define	define	VERB
abrj-9	95	5	service	service	NOUN
abrj-9	95	6	quality	quality	NOUN
abrj-9	95	7	as	as	ADP
abrj-9	95	8	“	"	PUNCT
abrj-9	95	9	…	…	PUNCT
abrj-9	95	10	a	a	DET
abrj-9	95	11	global	global	ADJ
abrj-9	95	12	judgment	judgment	NOUN
abrj-9	95	13	or	or	CCONJ
abrj-9	95	14	attitude	attitude	NOUN
abrj-9	95	15	relating	relate	VERB
abrj-9	95	16	to	to	ADP
abrj-9	95	17	the	the	DET
abrj-9	95	18	overall	overall	ADJ
abrj-9	95	19	excellence	excellence	NOUN
abrj-9	95	20	or	or	CCONJ
abrj-9	95	21	superiority	superiority	NOUN
abrj-9	95	22	of	of	ADP
abrj-9	95	23	the	the	DET
abrj-9	95	24	service	service	NOUN
abrj-9	95	25	”	"	PUNCT
abrj-9	95	26	.	.	PUNCT
abrj-9	96	1	they	they	PRON
abrj-9	96	2	conceptualized	conceptualize	VERB
abrj-9	96	3	a	a	DET
abrj-9	96	4	customer	customer	NOUN
abrj-9	96	5	’s	’s	PART
abrj-9	96	6	assessment	assessment	NOUN
abrj-9	96	7	of	of	ADP
abrj-9	96	8	overall	overall	ADJ
abrj-9	96	9	quality	quality	NOUN
abrj-9	96	10	of	of	ADP
abrj-9	96	11	service	service	NOUN
abrj-9	96	12	by	by	ADP
abrj-9	96	13	applying	apply	VERB
abrj-9	96	14	(	(	PUNCT
abrj-9	96	15	oliver	oliver	ADJ
abrj-9	96	16	,	,	PUNCT
abrj-9	96	17	1980	1980	NUM
abrj-9	96	18	)	)	PUNCT
abrj-9	96	19	disconfirmation	disconfirmation	NOUN
abrj-9	96	20	model	model	NOUN
abrj-9	96	21	,	,	PUNCT
abrj-9	96	22	as	as	ADP
abrj-9	96	23	the	the	DET
abrj-9	96	24	gap	gap	NOUN
abrj-9	96	25	among	among	ADP
abrj-9	96	26	desires	desire	NOUN
abrj-9	96	27	and	and	CCONJ
abrj-9	96	28	views	view	NOUN
abrj-9	96	29	of	of	ADP
abrj-9	96	30	service	service	NOUN
abrj-9	96	31	assessment	assessment	NOUN
abrj-9	96	32	levels	level	NOUN
abrj-9	96	33	.	.	PUNCT
abrj-9	97	1	besides	besides	SCONJ
abrj-9	97	2	,	,	PUNCT
abrj-9	97	3	zeithaml	zeithaml	PROPN
abrj-9	97	4	et	et	PROPN
abrj-9	97	5	al	al	PROPN
abrj-9	97	6	.	.	PROPN
abrj-9	98	1	(	(	PUNCT
abrj-9	98	2	2000	2000	NUM
abrj-9	98	3	)	)	PUNCT
abrj-9	98	4	recommend	recommend	VERB
abrj-9	98	5	that	that	SCONJ
abrj-9	98	6	overall	overall	ADJ
abrj-9	98	7	quality	quality	NOUN
abrj-9	98	8	of	of	ADP
abrj-9	98	9	service	service	NOUN
abrj-9	98	10	assessment	assessment	NOUN
abrj-9	98	11	could	could	AUX
abrj-9	98	12	be	be	AUX
abrj-9	98	13	controlled	control	VERB
abrj-9	98	14	by	by	ADP
abrj-9	98	15	the	the	DET
abrj-9	98	16	measurement	measurement	NOUN
abrj-9	98	17	scale	scale	NOUN
abrj-9	98	18	,	,	PUNCT
abrj-9	98	19	servqual	servqual	ADJ
abrj-9	98	20	which	which	PRON
abrj-9	98	21	employs	employ	VERB
abrj-9	98	22	five	five	NUM
abrj-9	98	23	generic	generic	ADJ
abrj-9	98	24	measurements	measurement	NOUN
abrj-9	98	25	:	:	PUNCT
abrj-9	98	26	tangibles	tangible	NOUN
abrj-9	98	27	(	(	PUNCT
abrj-9	98	28	the	the	DET
abrj-9	98	29	presence	presence	NOUN
abrj-9	98	30	of	of	ADP
abrj-9	98	31	physical	physical	ADJ
abrj-9	98	32	facilities	facility	NOUN
abrj-9	98	33	,	,	PUNCT
abrj-9	98	34	equipment	equipment	NOUN
abrj-9	98	35	,	,	PUNCT
abrj-9	98	36	personnel	personnel	NOUN
abrj-9	98	37	,	,	PUNCT
abrj-9	98	38	and	and	CCONJ
abrj-9	98	39	communications	communication	NOUN
abrj-9	98	40	materials	material	NOUN
abrj-9	98	41	)	)	PUNCT
abrj-9	98	42	;	;	PUNCT
abrj-9	98	43	reliability	reliability	NOUN
abrj-9	98	44	(	(	PUNCT
abrj-9	98	45	the	the	DET
abrj-9	98	46	capacity	capacity	NOUN
abrj-9	98	47	to	to	PART
abrj-9	98	48	perform	perform	VERB
abrj-9	98	49	the	the	DET
abrj-9	98	50	guaranteed	guarantee	VERB
abrj-9	98	51	benefit	benefit	NOUN
abrj-9	98	52	constantly	constantly	ADV
abrj-9	98	53	and	and	CCONJ
abrj-9	98	54	precisely	precisely	ADV
abrj-9	98	55	)	)	PUNCT
abrj-9	98	56	;	;	PUNCT
abrj-9	98	57	responsiveness	responsiveness	NOUN
abrj-9	98	58	(	(	PUNCT
abrj-9	98	59	the	the	DET
abrj-9	98	60	readiness	readiness	NOUN
abrj-9	98	61	to	to	PART
abrj-9	98	62	help	help	VERB
abrj-9	98	63	clients	client	NOUN
abrj-9	98	64	and	and	CCONJ
abrj-9	98	65	offer	offer	VERB
abrj-9	98	66	prompt	prompt	ADJ
abrj-9	98	67	service	service	NOUN
abrj-9	98	68	)	)	PUNCT
abrj-9	98	69	;	;	PUNCT
abrj-9	98	70	assurance	assurance	NOUN
abrj-9	98	71	(	(	PUNCT
abrj-9	98	72	the	the	DET
abrj-9	98	73	competence	competence	NOUN
abrj-9	98	74	of	of	ADP
abrj-9	98	75	the	the	DET
abrj-9	98	76	system	system	NOUN
abrj-9	98	77	and	and	CCONJ
abrj-9	98	78	its	its	PRON
abrj-9	98	79	believability	believability	NOUN
abrj-9	98	80	in	in	ADP
abrj-9	98	81	giving	give	VERB
abrj-9	98	82	a	a	DET
abrj-9	98	83	courteous	courteous	ADJ
abrj-9	98	84	and	and	CCONJ
abrj-9	98	85	secure	secure	ADJ
abrj-9	98	86	service	service	NOUN
abrj-9	98	87	)	)	PUNCT
abrj-9	98	88	;	;	PUNCT
abrj-9	98	89	and	and	CCONJ
abrj-9	98	90	empathy	empathy	NOUN
abrj-9	98	91	(	(	PUNCT
abrj-9	98	92	the	the	DET
abrj-9	98	93	approachability	approachability	NOUN
abrj-9	98	94	,	,	PUNCT
abrj-9	98	95	ease	ease	NOUN
abrj-9	98	96	of	of	ADP
abrj-9	98	97	access	access	NOUN
abrj-9	98	98	and	and	CCONJ
abrj-9	98	99	exertion	exertion	NOUN
abrj-9	98	100	taken	take	VERB
abrj-9	98	101	to	to	PART
abrj-9	98	102	comprehend	comprehend	VERB
abrj-9	98	103	client	client	PROPN
abrj-9	98	104	's	's	PART
abrj-9	98	105	needs	need	NOUN
abrj-9	98	106	)	)	PUNCT
abrj-9	98	107	.	.	PUNCT
abrj-9	99	1	parasuraman	parasuraman	NOUN
abrj-9	99	2	et	et	PROPN
abrj-9	99	3	al	al	PROPN
abrj-9	99	4	.	.	PROPN
abrj-9	100	1	(	(	PUNCT
abrj-9	100	2	1985	1985	NUM
abrj-9	100	3	)	)	PUNCT
abrj-9	100	4	from	from	ADP
abrj-9	100	5	their	their	PRON
abrj-9	100	6	exploratory	exploratory	ADJ
abrj-9	100	7	research	research	NOUN
abrj-9	100	8	developed	develop	VERB
abrj-9	100	9	the	the	DET
abrj-9	100	10	servqual	servqual	ADJ
abrj-9	100	11	instrument	instrument	NOUN
abrj-9	100	12	and	and	CCONJ
abrj-9	100	13	set	set	VERB
abrj-9	100	14	out	out	ADP
abrj-9	100	15	a	a	DET
abrj-9	100	16	theoretical	theoretical	ADJ
abrj-9	100	17	framework	framework	NOUN
abrj-9	100	18	for	for	ADP
abrj-9	100	19	the	the	DET
abrj-9	100	20	measurement	measurement	NOUN
abrj-9	100	21	of	of	ADP
abrj-9	100	22	quality	quality	NOUN
abrj-9	100	23	of	of	ADP
abrj-9	100	24	service	service	NOUN
abrj-9	100	25	.	.	PUNCT
abrj-9	101	1	the	the	DET
abrj-9	101	2	servqual	servqual	ADJ
abrj-9	101	3	instrument	instrument	NOUN
abrj-9	101	4	has	have	AUX
abrj-9	101	5	since	since	ADV
abrj-9	101	6	become	become	VERB
abrj-9	101	7	the	the	DET
abrj-9	101	8	most	most	ADV
abrj-9	101	9	prevailing	prevail	VERB
abrj-9	101	10	instrument	instrument	NOUN
abrj-9	101	11	for	for	ADP
abrj-9	101	12	measuring	measure	VERB
abrj-9	101	13	quality	quality	NOUN
abrj-9	101	14	of	of	ADP
abrj-9	101	15	service	service	NOUN
abrj-9	101	16	.	.	PUNCT
abrj-9	102	1	it	it	PRON
abrj-9	102	2	initially	initially	ADV
abrj-9	102	3	comprises	comprise	VERB
abrj-9	102	4	10	10	NUM
abrj-9	102	5	measurements	measurement	NOUN
abrj-9	102	6	with	with	ADP
abrj-9	102	7	97	97	NUM
abrj-9	102	8	items	item	NOUN
abrj-9	102	9	.	.	PUNCT
abrj-9	103	1	however	however	ADV
abrj-9	103	2	,	,	PUNCT
abrj-9	103	3	this	this	PRON
abrj-9	103	4	was	be	AUX
abrj-9	103	5	later	later	ADV
abrj-9	103	6	reduced	reduce	VERB
abrj-9	103	7	to	to	ADP
abrj-9	103	8	5	5	NUM
abrj-9	103	9	measurements	measurement	NOUN
abrj-9	103	10	with	with	ADP
abrj-9	103	11	22	22	NUM
abrj-9	103	12	items	item	NOUN
abrj-9	103	13	in	in	ADP
abrj-9	103	14	1991	1991	NUM
abrj-9	103	15	.	.	PUNCT
abrj-9	104	1	the	the	DET
abrj-9	104	2	five	five	NUM
abrj-9	104	3	dimensions	dimension	NOUN
abrj-9	104	4	are	be	AUX
abrj-9	104	5	tangibles	tangible	NOUN
abrj-9	104	6	,	,	PUNCT
abrj-9	104	7	reliability	reliability	NOUN
abrj-9	104	8	,	,	PUNCT
abrj-9	104	9	responsiveness	responsiveness	NOUN
abrj-9	104	10	,	,	PUNCT
abrj-9	104	11	assurance	assurance	NOUN
abrj-9	104	12	and	and	CCONJ
abrj-9	104	13	empathy	empathy	NOUN
abrj-9	104	14	.	.	PUNCT
abrj-9	105	1	2.6.1	2.6.1	X
abrj-9	105	2	.	.	PUNCT
abrj-9	106	1	tangibility	tangibility	PROPN
abrj-9	106	2	tangibles	tangibles	PROPN
abrj-9	106	3	involve	involve	VERB
abrj-9	106	4	the	the	DET
abrj-9	106	5	physical	physical	ADJ
abrj-9	106	6	proof	proof	NOUN
abrj-9	106	7	of	of	ADP
abrj-9	106	8	the	the	DET
abrj-9	106	9	service	service	NOUN
abrj-9	106	10	.	.	PUNCT
abrj-9	107	1	according	accord	VERB
abrj-9	107	2	to	to	ADP
abrj-9	107	3	zeithaml	zeithaml	PROPN
abrj-9	107	4	et	et	PROPN
abrj-9	107	5	al	al	PROPN
abrj-9	107	6	.	.	PROPN
abrj-9	108	1	(	(	PUNCT
abrj-9	108	2	2006	2006	NUM
abrj-9	108	3	)	)	PUNCT
abrj-9	108	4	tangibles	tangible	NOUN
abrj-9	108	5	in	in	ADP
abrj-9	108	6	details	detail	NOUN
abrj-9	108	7	normally	normally	ADV
abrj-9	108	8	show	show	VERB
abrj-9	108	9	physical	physical	ADJ
abrj-9	108	10	facilities	facility	NOUN
abrj-9	108	11	of	of	ADP
abrj-9	108	12	the	the	DET
abrj-9	108	13	service	service	NOUN
abrj-9	108	14	provider	provider	NOUN
abrj-9	108	15	,	,	PUNCT
abrj-9	108	16	the	the	DET
abrj-9	108	17	appearance	appearance	NOUN
abrj-9	108	18	of	of	ADP
abrj-9	108	19	personnel	personnel	NOUN
abrj-9	108	20	,	,	PUNCT
abrj-9	108	21	materials	material	NOUN
abrj-9	108	22	associated	associate	VERB
abrj-9	108	23	to	to	ADP
abrj-9	108	24	the	the	DET
abrj-9	108	25	service	service	NOUN
abrj-9	108	26	(	(	PUNCT
abrj-9	108	27	credit	credit	NOUN
abrj-9	108	28	and	and	CCONJ
abrj-9	108	29	debit	debit	NOUN
abrj-9	108	30	sheets	sheet	NOUN
abrj-9	108	31	,	,	PUNCT
abrj-9	108	32	cheque	cheque	NOUN
abrj-9	108	33	books	book	NOUN
abrj-9	108	34	etc	etc	X
abrj-9	108	35	.	.	X
abrj-9	108	36	)	)	PUNCT
abrj-9	108	37	,	,	PUNCT
abrj-9	108	38	decorations	decoration	NOUN
abrj-9	108	39	and	and	CCONJ
abrj-9	108	40	business	business	NOUN
abrj-9	108	41	hours	hour	NOUN
abrj-9	108	42	,	,	PUNCT
abrj-9	108	43	the	the	DET
abrj-9	108	44	tools	tool	NOUN
abrj-9	108	45	and	and	CCONJ
abrj-9	108	46	equipment	equipment	NOUN
abrj-9	108	47	used	use	VERB
abrj-9	108	48	to	to	PART
abrj-9	108	49	provide	provide	VERB
abrj-9	108	50	the	the	DET
abrj-9	108	51	service	service	NOUN
abrj-9	108	52	.	.	PUNCT
abrj-9	109	1	tangibles	tangible	NOUN
abrj-9	109	2	are	be	AUX
abrj-9	109	3	usually	usually	ADV
abrj-9	109	4	used	use	VERB
abrj-9	109	5	by	by	ADP
abrj-9	109	6	firms	firm	NOUN
abrj-9	109	7	to	to	PART
abrj-9	109	8	express	express	VERB
abrj-9	109	9	image	image	NOUN
abrj-9	109	10	and	and	CCONJ
abrj-9	109	11	signal	signal	ADJ
abrj-9	109	12	quality	quality	NOUN
abrj-9	109	13	.	.	PUNCT
abrj-9	110	1	2.6.2	2.6.2	X
abrj-9	110	2	.	.	PUNCT
abrj-9	110	3	reliability	reliability	NOUN
abrj-9	110	4	according	accord	VERB
abrj-9	110	5	to	to	ADP
abrj-9	110	6	zeithaml	zeithaml	PROPN
abrj-9	110	7	et	et	PROPN
abrj-9	110	8	al	al	PROPN
abrj-9	110	9	.	.	PROPN
abrj-9	111	1	(	(	PUNCT
abrj-9	111	2	2006	2006	NUM
abrj-9	111	3	)	)	PUNCT
abrj-9	111	4	reliability	reliability	NOUN
abrj-9	111	5	is	be	AUX
abrj-9	111	6	“	"	PUNCT
abrj-9	111	7	the	the	DET
abrj-9	111	8	ability	ability	NOUN
abrj-9	111	9	to	to	PART
abrj-9	111	10	perform	perform	VERB
abrj-9	111	11	the	the	DET
abrj-9	111	12	promised	promise	VERB
abrj-9	111	13	service	service	NOUN
abrj-9	111	14	dependably	dependably	ADV
abrj-9	111	15	and	and	CCONJ
abrj-9	111	16	accurately	accurately	ADV
abrj-9	111	17	”	"	PUNCT
abrj-9	111	18	or	or	CCONJ
abrj-9	111	19	“	"	PUNCT
abrj-9	111	20	delivering	deliver	VERB
abrj-9	111	21	on	on	ADP
abrj-9	111	22	its	its	PRON
abrj-9	111	23	promises	promise	NOUN
abrj-9	111	24	"	"	PUNCT
abrj-9	111	25	.	.	PUNCT
abrj-9	112	1	does	do	AUX
abrj-9	112	2	the	the	DET
abrj-9	112	3	firm	firm	NOUN
abrj-9	112	4	deliver	deliver	VERB
abrj-9	112	5	the	the	DET
abrj-9	112	6	service	service	NOUN
abrj-9	112	7	comfortable	comfortable	ADJ
abrj-9	112	8	the	the	DET
abrj-9	112	9	first	first	ADJ
abrj-9	112	10	time	time	NOUN
abrj-9	112	11	?	?	PUNCT
abrj-9	113	1	does	do	AUX
abrj-9	113	2	the	the	DET
abrj-9	113	3	firm	firm	NOUN
abrj-9	113	4	respects	respect	VERB
abrj-9	113	5	it	it	PRON
abrj-9	113	6	promises	promise	VERB
abrj-9	113	7	?	?	PUNCT
abrj-9	114	1	these	these	PRON
abrj-9	114	2	are	be	AUX
abrj-9	114	3	a	a	DET
abrj-9	114	4	portion	portion	NOUN
abrj-9	114	5	of	of	ADP
abrj-9	114	6	the	the	DET
abrj-9	114	7	inquiries	inquiry	NOUN
abrj-9	114	8	which	which	PRON
abrj-9	114	9	should	should	AUX
abrj-9	114	10	be	be	AUX
abrj-9	114	11	answered	answer	VERB
abrj-9	114	12	by	by	ADP
abrj-9	114	13	providers	provider	NOUN
abrj-9	114	14	of	of	ADP
abrj-9	114	15	service	service	NOUN
abrj-9	114	16	if	if	SCONJ
abrj-9	114	17	they	they	PRON
abrj-9	114	18	are	be	AUX
abrj-9	114	19	to	to	PART
abrj-9	114	20	accomplish	accomplish	VERB
abrj-9	114	21	unwavering	unwavering	ADJ
abrj-9	114	22	quality	quality	NOUN
abrj-9	114	23	.	.	PUNCT
abrj-9	115	1	this	this	DET
abrj-9	115	2	measurement	measurement	NOUN
abrj-9	115	3	of	of	ADP
abrj-9	115	4	quality	quality	NOUN
abrj-9	115	5	service	service	NOUN
abrj-9	115	6	as	as	SCONJ
abrj-9	115	7	indicated	indicate	VERB
abrj-9	115	8	by	by	ADP
abrj-9	115	9	parasuraman	parasuraman	NOUN
abrj-9	115	10	et	et	PROPN
abrj-9	115	11	al	al	PROPN
abrj-9	115	12	.	.	PROPN
abrj-9	115	13	(	(	PUNCT
abrj-9	115	14	1985	1985	NUM
abrj-9	115	15	)	)	PUNCT
abrj-9	115	16	is	be	AUX
abrj-9	115	17	the	the	DET
abrj-9	115	18	means	mean	NOUN
abrj-9	115	19	by	by	ADP
abrj-9	115	20	which	which	PRON
abrj-9	115	21	the	the	DET
abrj-9	115	22	providers	provider	NOUN
abrj-9	115	23	of	of	ADP
abrj-9	115	24	service	service	NOUN
abrj-9	115	25	can	can	AUX
abrj-9	115	26	give	give	VERB
abrj-9	115	27	service	service	NOUN
abrj-9	115	28	to	to	ADP
abrj-9	115	29	a	a	DET
abrj-9	115	30	client	client	NOUN
abrj-9	115	31	as	as	SCONJ
abrj-9	115	32	promised	promise	VERB
abrj-9	115	33	,	,	PUNCT
abrj-9	115	34	tried	try	VERB
abrj-9	115	35	and	and	CCONJ
abrj-9	115	36	true	true	ADJ
abrj-9	115	37	in	in	ADP
abrj-9	115	38	dealing	deal	VERB
abrj-9	115	39	with	with	ADP
abrj-9	115	40	clients	client	NOUN
abrj-9	115	41	'	'	PART
abrj-9	115	42	service	service	NOUN
abrj-9	115	43	issues	issue	NOUN
abrj-9	115	44	,	,	PUNCT
abrj-9	115	45	performs	perform	VERB
abrj-9	115	46	service	service	NOUN
abrj-9	115	47	right	right	ADV
abrj-9	115	48	at	at	ADP
abrj-9	115	49	the	the	DET
abrj-9	115	50	first	first	ADJ
abrj-9	115	51	instance	instance	NOUN
abrj-9	115	52	,	,	PUNCT
abrj-9	115	53	give	give	VERB
abrj-9	115	54	service	service	NOUN
abrj-9	115	55	at	at	ADP
abrj-9	115	56	guaranteed	guarantee	VERB
abrj-9	115	57	time	time	NOUN
abrj-9	115	58	and	and	CCONJ
abrj-9	115	59	keep	keep	VERB
abrj-9	115	60	clients	client	NOUN
abrj-9	115	61	always	always	ADV
abrj-9	115	62	informed	inform	VERB
abrj-9	115	63	about	about	ADP
abrj-9	115	64	when	when	SCONJ
abrj-9	115	65	service	service	NOUN
abrj-9	115	66	will	will	AUX
abrj-9	115	67	be	be	AUX
abrj-9	115	68	performed	perform	VERB
abrj-9	115	69	or	or	CCONJ
abrj-9	115	70	available	available	ADJ
abrj-9	115	71	.	.	PUNCT
abrj-9	116	1	2.6.3	2.6.3	NUM
abrj-9	116	2	.	.	PUNCT
abrj-9	116	3	assurance	assurance	NOUN
abrj-9	116	4	assurance	assurance	NOUN
abrj-9	116	5	involves	involve	VERB
abrj-9	116	6	the	the	DET
abrj-9	116	7	knowledge	knowledge	NOUN
abrj-9	116	8	and	and	CCONJ
abrj-9	116	9	courtesy	courtesy	NOUN
abrj-9	116	10	of	of	ADP
abrj-9	116	11	employees	employee	NOUN
abrj-9	116	12	and	and	CCONJ
abrj-9	116	13	their	their	PRON
abrj-9	116	14	capacity	capacity	NOUN
abrj-9	116	15	to	to	PART
abrj-9	116	16	pass	pass	VERB
abrj-9	116	17	on	on	ADP
abrj-9	116	18	trust	trust	NOUN
abrj-9	116	19	and	and	CCONJ
abrj-9	116	20	certainty	certainty	NOUN
abrj-9	116	21	.	.	PUNCT
abrj-9	117	1	it	it	PRON
abrj-9	117	2	likewise	likewise	ADV
abrj-9	117	3	incorporates	incorporate	VERB
abrj-9	117	4	skill	skill	NOUN
abrj-9	117	5	,	,	PUNCT
abrj-9	117	6	obligingness	obligingness	NOUN
abrj-9	117	7	,	,	PUNCT
abrj-9	117	8	believability	believability	NOUN
abrj-9	117	9	and	and	CCONJ
abrj-9	117	10	security	security	NOUN
abrj-9	117	11	.	.	PUNCT
abrj-9	118	1	in	in	ADP
abrj-9	118	2	the	the	DET
abrj-9	118	3	view	view	NOUN
abrj-9	118	4	of	of	ADP
abrj-9	118	5	saad	saad	PROPN
abrj-9	118	6	andaleeb	andaleeb	PROPN
abrj-9	118	7	and	and	CCONJ
abrj-9	118	8	conway	conway	PROPN
abrj-9	118	9	(	(	PUNCT
abrj-9	118	10	2006	2006	NUM
abrj-9	118	11	)	)	PUNCT
abrj-9	118	12	assurance	assurance	NOUN
abrj-9	118	13	may	may	AUX
abrj-9	118	14	not	not	PART
abrj-9	118	15	be	be	AUX
abrj-9	118	16	so	so	ADV
abrj-9	118	17	vital	vital	ADJ
abrj-9	118	18	with	with	ADP
abrj-9	118	19	respect	respect	NOUN
abrj-9	118	20	to	to	ADP
abrj-9	118	21	different	different	ADJ
abrj-9	118	22	industries	industry	NOUN
abrj-9	118	23	where	where	SCONJ
abrj-9	118	24	the	the	DET
abrj-9	118	25	risk	risk	NOUN
abrj-9	118	26	is	be	AUX
abrj-9	118	27	higher	high	ADJ
abrj-9	118	28	and	and	CCONJ
abrj-9	118	29	the	the	DET
abrj-9	118	30	result	result	NOUN
abrj-9	118	31	of	of	ADP
abrj-9	118	32	utilizing	utilize	VERB
abrj-9	118	33	the	the	DET
abrj-9	118	34	service	service	NOUN
abrj-9	118	35	is	be	AUX
abrj-9	118	36	questionable	questionable	ADJ
abrj-9	118	37	.	.	PUNCT
abrj-9	119	1	for	for	ADP
abrj-9	119	2	example	example	NOUN
abrj-9	119	3	,	,	PUNCT
abrj-9	119	4	in	in	ADP
abrj-9	119	5	the	the	DET
abrj-9	119	6	medical	medical	ADJ
abrj-9	119	7	and	and	CCONJ
abrj-9	119	8	healthcare	healthcare	PROPN
abrj-9	119	9	industry	industry	NOUN
abrj-9	119	10	,	,	PUNCT
abrj-9	119	11	assurance	assurance	NOUN
abrj-9	119	12	is	be	AUX
abrj-9	119	13	an	an	DET
abrj-9	119	14	imperative	imperative	ADJ
abrj-9	119	15	measurement	measurement	NOUN
abrj-9	119	16	that	that	PRON
abrj-9	119	17	clients	client	NOUN
abrj-9	119	18	utilize	utilize	VERB
abrj-9	119	19	as	as	ADP
abrj-9	119	20	criteria	criterion	NOUN
abrj-9	119	21	in	in	ADP
abrj-9	119	22	evaluating	evaluate	VERB
abrj-9	119	23	a	a	DET
abrj-9	119	24	health	health	NOUN
abrj-9	119	25	center	center	NOUN
abrj-9	119	26	or	or	CCONJ
abrj-9	119	27	a	a	DET
abrj-9	119	28	specialist	specialist	NOUN
abrj-9	119	29	for	for	ADP
abrj-9	119	30	a	a	DET
abrj-9	119	31	task	task	NOUN
abrj-9	119	32	.	.	PUNCT
abrj-9	120	1	the	the	DET
abrj-9	120	2	trust	trust	NOUN
abrj-9	120	3	and	and	CCONJ
abrj-9	120	4	ultimate	ultimate	ADJ
abrj-9	120	5	confidence	confidence	NOUN
abrj-9	120	6	might	might	AUX
abrj-9	120	7	be	be	AUX
abrj-9	120	8	visible	visible	ADJ
abrj-9	120	9	in	in	ADP
abrj-9	120	10	an	an	DET
abrj-9	120	11	employee	employee	NOUN
abrj-9	120	12	who	who	PRON
abrj-9	120	13	connects	connect	VERB
abrj-9	120	14	the	the	DET
abrj-9	120	15	client	client	NOUN
abrj-9	120	16	to	to	ADP
abrj-9	120	17	the	the	DET
abrj-9	120	18	organization	organization	NOUN
abrj-9	120	19	(	(	PUNCT
abrj-9	120	20	zeithaml	zeithaml	PROPN
abrj-9	120	21	et	et	PROPN
abrj-9	120	22	al	al	PROPN
abrj-9	120	23	.	.	PROPN
abrj-9	120	24	,	,	PUNCT
abrj-9	120	25	2006	2006	NUM
abrj-9	120	26	)	)	PUNCT
abrj-9	120	27	.	.	PUNCT
abrj-9	121	1	asian	asian	ADJ
abrj-9	121	2	business	business	PROPN
abrj-9	121	3	research	research	NOUN
abrj-9	121	4	journal	journal	NOUN
abrj-9	121	5	,	,	PUNCT
abrj-9	121	6	2018	2018	NUM
abrj-9	121	7	,	,	PUNCT
abrj-9	121	8	3	3	NUM
abrj-9	121	9	:	:	SYM
abrj-9	121	10	33	33	NUM
abrj-9	121	11	-	-	SYM
abrj-9	121	12	40	40	NUM
abrj-9	121	13	36	36	NUM
abrj-9	121	14	©	©	PROPN
abrj-9	121	15	2018	2018	NUM
abrj-9	121	16	by	by	ADP
abrj-9	121	17	the	the	DET
abrj-9	121	18	authors	author	NOUN
abrj-9	121	19	;	;	PUNCT
abrj-9	121	20	licensee	licensee	NOUN
abrj-9	121	21	eastern	eastern	ADJ
abrj-9	121	22	centre	centre	NOUN
abrj-9	121	23	of	of	ADP
abrj-9	121	24	science	science	NOUN
abrj-9	121	25	and	and	CCONJ
abrj-9	121	26	education	education	NOUN
abrj-9	121	27	,	,	PUNCT
abrj-9	121	28	usa	usa	PROPN
abrj-9	121	29	2.6.4	2.6.4	NUM
abrj-9	121	30	.	.	PUNCT
abrj-9	122	1	responsiveness	responsiveness	NOUN
abrj-9	122	2	responsiveness	responsiveness	NOUN
abrj-9	122	3	concerns	concern	VERB
abrj-9	122	4	the	the	DET
abrj-9	122	5	ability	ability	NOUN
abrj-9	122	6	or	or	CCONJ
abrj-9	122	7	preparation	preparation	NOUN
abrj-9	122	8	of	of	ADP
abrj-9	122	9	employees	employee	NOUN
abrj-9	122	10	to	to	PART
abrj-9	122	11	offer	offer	VERB
abrj-9	122	12	service	service	NOUN
abrj-9	122	13	(	(	PUNCT
abrj-9	122	14	parasuraman	parasuraman	NOUN
abrj-9	122	15	et	et	PROPN
abrj-9	122	16	al	al	PROPN
abrj-9	122	17	.	.	PROPN
abrj-9	122	18	,	,	PUNCT
abrj-9	122	19	1985	1985	NUM
abrj-9	122	20	)	)	PUNCT
abrj-9	122	21	.	.	PUNCT
abrj-9	123	1	responsiveness	responsiveness	NOUN
abrj-9	123	2	is	be	AUX
abrj-9	123	3	concerned	concern	VERB
abrj-9	123	4	with	with	ADP
abrj-9	123	5	managing	manage	VERB
abrj-9	123	6	the	the	DET
abrj-9	123	7	client	client	NOUN
abrj-9	123	8	's	's	PART
abrj-9	123	9	inquiries	inquiry	NOUN
abrj-9	123	10	and	and	CCONJ
abrj-9	123	11	concerns	concern	NOUN
abrj-9	123	12	and	and	CCONJ
abrj-9	123	13	immediately	immediately	ADV
abrj-9	123	14	attending	attend	VERB
abrj-9	123	15	to	to	ADP
abrj-9	123	16	that	that	DET
abrj-9	123	17	concerns	concern	NOUN
abrj-9	123	18	or	or	CCONJ
abrj-9	123	19	providing	provide	VERB
abrj-9	123	20	solution	solution	NOUN
abrj-9	123	21	to	to	ADP
abrj-9	123	22	this	this	DET
abrj-9	123	23	issues	issue	NOUN
abrj-9	123	24	.	.	PUNCT
abrj-9	124	1	a	a	DET
abrj-9	124	2	firm	firm	NOUN
abrj-9	124	3	is	be	AUX
abrj-9	124	4	known	know	VERB
abrj-9	124	5	to	to	PART
abrj-9	124	6	be	be	AUX
abrj-9	124	7	responsive	responsive	ADJ
abrj-9	124	8	when	when	SCONJ
abrj-9	124	9	it	it	PRON
abrj-9	124	10	conveys	convey	VERB
abrj-9	124	11	to	to	ADP
abrj-9	124	12	its	its	PRON
abrj-9	124	13	clients	client	NOUN
abrj-9	124	14	to	to	ADP
abrj-9	124	15	what	what	DET
abrj-9	124	16	extent	extent	NOUN
abrj-9	124	17	it	it	PRON
abrj-9	124	18	would	would	AUX
abrj-9	124	19	take	take	VERB
abrj-9	124	20	to	to	PART
abrj-9	124	21	find	find	VERB
abrj-9	124	22	solutions	solution	NOUN
abrj-9	124	23	or	or	CCONJ
abrj-9	124	24	have	have	VERB
abrj-9	124	25	their	their	PRON
abrj-9	124	26	issues	issue	NOUN
abrj-9	124	27	managed	manage	VERB
abrj-9	124	28	.	.	PUNCT
abrj-9	125	1	to	to	PART
abrj-9	125	2	be	be	AUX
abrj-9	125	3	effective	effective	ADJ
abrj-9	125	4	,	,	PUNCT
abrj-9	125	5	organizations	organization	NOUN
abrj-9	125	6	need	need	VERB
abrj-9	125	7	to	to	PART
abrj-9	125	8	take	take	VERB
abrj-9	125	9	a	a	DET
abrj-9	125	10	look	look	NOUN
abrj-9	125	11	at	at	ADP
abrj-9	125	12	responsiveness	responsiveness	NOUN
abrj-9	125	13	from	from	ADP
abrj-9	125	14	the	the	DET
abrj-9	125	15	view	view	NOUN
abrj-9	125	16	point	point	NOUN
abrj-9	125	17	of	of	ADP
abrj-9	125	18	the	the	DET
abrj-9	125	19	client	client	NOUN
abrj-9	125	20	as	as	SCONJ
abrj-9	125	21	opposed	oppose	VERB
abrj-9	125	22	to	to	ADP
abrj-9	125	23	the	the	DET
abrj-9	125	24	organization	organization	NOUN
abrj-9	125	25	's	's	PART
abrj-9	125	26	point	point	NOUN
abrj-9	125	27	of	of	ADP
abrj-9	125	28	view	view	NOUN
abrj-9	125	29	(	(	PUNCT
abrj-9	125	30	zeithaml	zeithaml	PROPN
abrj-9	125	31	et	et	PROPN
abrj-9	125	32	al	al	PROPN
abrj-9	125	33	.	.	PROPN
abrj-9	125	34	,	,	PUNCT
abrj-9	125	35	2006	2006	NUM
abrj-9	125	36	)	)	PUNCT
abrj-9	125	37	.	.	PUNCT
abrj-9	126	1	2.6.5	2.6.5	X
abrj-9	126	2	.	.	X
abrj-9	126	3	empathy	empathy	NOUN
abrj-9	126	4	empathy	empathy	NOUN
abrj-9	126	5	involves	involve	VERB
abrj-9	126	6	minding	mind	VERB
abrj-9	126	7	and	and	CCONJ
abrj-9	126	8	arrangement	arrangement	NOUN
abrj-9	126	9	of	of	ADP
abrj-9	126	10	individualized	individualized	ADJ
abrj-9	126	11	regard	regard	NOUN
abrj-9	126	12	for	for	ADP
abrj-9	126	13	clients	client	NOUN
abrj-9	126	14	by	by	ADP
abrj-9	126	15	employees	employee	NOUN
abrj-9	126	16	of	of	ADP
abrj-9	126	17	the	the	DET
abrj-9	126	18	firm	firm	NOUN
abrj-9	126	19	(	(	PUNCT
abrj-9	126	20	zeithaml	zeithaml	PROPN
abrj-9	126	21	et	et	PROPN
abrj-9	126	22	al	al	PROPN
abrj-9	126	23	.	.	PROPN
abrj-9	126	24	,	,	PUNCT
abrj-9	126	25	2006	2006	NUM
abrj-9	126	26	)	)	PUNCT
abrj-9	126	27	.	.	PUNCT
abrj-9	127	1	in	in	ADP
abrj-9	127	2	this	this	DET
abrj-9	127	3	respect	respect	NOUN
abrj-9	127	4	,	,	PUNCT
abrj-9	127	5	the	the	DET
abrj-9	127	6	client	client	NOUN
abrj-9	127	7	feels	feel	VERB
abrj-9	127	8	exceptional	exceptional	ADJ
abrj-9	127	9	and	and	CCONJ
abrj-9	127	10	extraordinary	extraordinary	ADJ
abrj-9	127	11	.	.	PUNCT
abrj-9	128	1	while	while	SCONJ
abrj-9	128	2	trying	try	VERB
abrj-9	128	3	to	to	PART
abrj-9	128	4	create	create	VERB
abrj-9	128	5	empathy	empathy	NOUN
abrj-9	128	6	,	,	PUNCT
abrj-9	128	7	employees	employee	NOUN
abrj-9	128	8	of	of	ADP
abrj-9	128	9	the	the	DET
abrj-9	128	10	firm	firm	NOUN
abrj-9	128	11	should	should	AUX
abrj-9	128	12	try	try	VERB
abrj-9	128	13	to	to	PART
abrj-9	128	14	know	know	VERB
abrj-9	128	15	the	the	DET
abrj-9	128	16	names	name	NOUN
abrj-9	128	17	of	of	ADP
abrj-9	128	18	their	their	PRON
abrj-9	128	19	clients	client	NOUN
abrj-9	128	20	,	,	PUNCT
abrj-9	128	21	their	their	PRON
abrj-9	128	22	inclinations	inclination	NOUN
abrj-9	128	23	and	and	CCONJ
abrj-9	128	24	needs	need	NOUN
abrj-9	128	25	and	and	CCONJ
abrj-9	128	26	find	find	VERB
abrj-9	128	27	a	a	DET
abrj-9	128	28	way	way	NOUN
abrj-9	128	29	to	to	PART
abrj-9	128	30	fulfill	fulfill	VERB
abrj-9	128	31	them	they	PRON
abrj-9	128	32	.	.	PUNCT
abrj-9	129	1	small	small	ADJ
abrj-9	129	2	scale	scale	NOUN
abrj-9	129	3	organizations	organization	NOUN
abrj-9	129	4	through	through	ADP
abrj-9	129	5	the	the	DET
abrj-9	129	6	customized	customize	VERB
abrj-9	129	7	services	service	NOUN
abrj-9	129	8	to	to	ADP
abrj-9	129	9	customers	customer	NOUN
abrj-9	129	10	are	be	AUX
abrj-9	129	11	in	in	ADP
abrj-9	129	12	a	a	DET
abrj-9	129	13	superior	superior	ADJ
abrj-9	129	14	position	position	NOUN
abrj-9	129	15	to	to	PART
abrj-9	129	16	accomplish	accomplish	VERB
abrj-9	129	17	empathy	empathy	NOUN
abrj-9	129	18	than	than	ADP
abrj-9	129	19	large	large	ADJ
abrj-9	129	20	organizations	organization	NOUN
abrj-9	129	21	.	.	PUNCT
abrj-9	130	1	3	3	X
abrj-9	130	2	.	.	X
abrj-9	130	3	research	research	NOUN
abrj-9	130	4	methodology	methodology	NOUN
abrj-9	130	5	this	this	DET
abrj-9	130	6	study	study	NOUN
abrj-9	130	7	adopted	adopt	VERB
abrj-9	130	8	a	a	DET
abrj-9	130	9	descriptive	descriptive	ADJ
abrj-9	130	10	survey	survey	NOUN
abrj-9	130	11	design	design	NOUN
abrj-9	130	12	.	.	PUNCT
abrj-9	131	1	this	this	DET
abrj-9	131	2	descriptive	descriptive	ADJ
abrj-9	131	3	research	research	NOUN
abrj-9	131	4	is	be	AUX
abrj-9	131	5	designed	design	VERB
abrj-9	131	6	to	to	PART
abrj-9	131	7	describe	describe	VERB
abrj-9	131	8	the	the	DET
abrj-9	131	9	existing	exist	VERB
abrj-9	131	10	situations	situation	NOUN
abrj-9	131	11	and	and	CCONJ
abrj-9	131	12	the	the	DET
abrj-9	131	13	features	feature	NOUN
abrj-9	131	14	of	of	ADP
abrj-9	131	15	rural	rural	ADJ
abrj-9	131	16	banks	bank	NOUN
abrj-9	131	17	in	in	ADP
abrj-9	131	18	takoradi	takoradi	NOUN
abrj-9	131	19	.	.	PUNCT
abrj-9	132	1	the	the	DET
abrj-9	132	2	researchers	researcher	NOUN
abrj-9	132	3	sought	seek	VERB
abrj-9	132	4	to	to	PART
abrj-9	132	5	answer	answer	VERB
abrj-9	132	6	the	the	DET
abrj-9	132	7	questions	question	NOUN
abrj-9	132	8	who	who	PRON
abrj-9	132	9	,	,	PUNCT
abrj-9	132	10	what	what	PRON
abrj-9	132	11	,	,	PUNCT
abrj-9	132	12	when	when	SCONJ
abrj-9	132	13	,	,	PUNCT
abrj-9	132	14	where	where	SCONJ
abrj-9	132	15	and	and	CCONJ
abrj-9	132	16	how	how	SCONJ
abrj-9	132	17	(	(	PUNCT
abrj-9	132	18	zikmund	zikmund	NOUN
abrj-9	132	19	,	,	PUNCT
abrj-9	132	20	2003	2003	NUM
abrj-9	132	21	)	)	PUNCT
abrj-9	132	22	.	.	PUNCT
abrj-9	133	1	in	in	ADP
abrj-9	133	2	this	this	DET
abrj-9	133	3	study	study	NOUN
abrj-9	133	4	,	,	PUNCT
abrj-9	133	5	the	the	DET
abrj-9	133	6	researchers	researcher	NOUN
abrj-9	133	7	applied	apply	VERB
abrj-9	133	8	a	a	DET
abrj-9	133	9	survey	survey	NOUN
abrj-9	133	10	technique	technique	NOUN
abrj-9	133	11	by	by	ADP
abrj-9	133	12	distributing	distribute	VERB
abrj-9	133	13	questionnaires	questionnaire	NOUN
abrj-9	133	14	to	to	PART
abrj-9	133	15	gain	gain	VERB
abrj-9	133	16	feedback	feedback	NOUN
abrj-9	133	17	from	from	ADP
abrj-9	133	18	respondents	respondent	NOUN
abrj-9	133	19	and	and	CCONJ
abrj-9	133	20	to	to	PART
abrj-9	133	21	gain	gain	VERB
abrj-9	133	22	understanding	understanding	NOUN
abrj-9	133	23	about	about	ADP
abrj-9	133	24	perceive	perceive	ADJ
abrj-9	133	25	customer	customer	NOUN
abrj-9	133	26	service	service	NOUN
abrj-9	133	27	delivery	delivery	NOUN
abrj-9	133	28	at	at	ADP
abrj-9	133	29	the	the	DET
abrj-9	133	30	rural	rural	ADJ
abrj-9	133	31	banks	bank	NOUN
abrj-9	133	32	.	.	PUNCT
abrj-9	134	1	according	accord	VERB
abrj-9	134	2	to	to	ADP
abrj-9	134	3	zikmund	zikmund	PROPN
abrj-9	134	4	(	(	PUNCT
abrj-9	134	5	1994	1994	NUM
abrj-9	134	6	)	)	PUNCT
abrj-9	134	7	a	a	DET
abrj-9	134	8	survey	survey	NOUN
abrj-9	134	9	technique	technique	NOUN
abrj-9	134	10	can	can	AUX
abrj-9	134	11	gather	gather	VERB
abrj-9	134	12	data	datum	NOUN
abrj-9	134	13	or	or	CCONJ
abrj-9	134	14	information	information	NOUN
abrj-9	134	15	from	from	ADP
abrj-9	134	16	people	people	NOUN
abrj-9	134	17	by	by	ADP
abrj-9	134	18	using	use	VERB
abrj-9	134	19	a	a	DET
abrj-9	134	20	questionnaire	questionnaire	NOUN
abrj-9	134	21	.	.	PUNCT
abrj-9	135	1	in	in	ADP
abrj-9	135	2	that	that	DET
abrj-9	135	3	regard	regard	NOUN
abrj-9	135	4	this	this	DET
abrj-9	135	5	survey	survey	NOUN
abrj-9	135	6	uses	use	VERB
abrj-9	135	7	questionnaire	questionnaire	NOUN
abrj-9	135	8	to	to	PART
abrj-9	135	9	collect	collect	VERB
abrj-9	135	10	data	datum	NOUN
abrj-9	135	11	.	.	PUNCT
abrj-9	136	1	study	study	NOUN
abrj-9	136	2	population	population	NOUN
abrj-9	136	3	is	be	AUX
abrj-9	136	4	a	a	DET
abrj-9	136	5	group	group	NOUN
abrj-9	136	6	of	of	ADP
abrj-9	136	7	people	people	NOUN
abrj-9	136	8	who	who	PRON
abrj-9	136	9	have	have	VERB
abrj-9	136	10	the	the	DET
abrj-9	136	11	information	information	NOUN
abrj-9	136	12	that	that	PRON
abrj-9	136	13	researchers	researcher	NOUN
abrj-9	136	14	seek	seek	VERB
abrj-9	136	15	and	and	CCONJ
abrj-9	136	16	from	from	ADP
abrj-9	136	17	which	which	PRON
abrj-9	136	18	conclusions	conclusion	NOUN
abrj-9	136	19	can	can	AUX
abrj-9	136	20	be	be	AUX
abrj-9	136	21	acquired	acquire	VERB
abrj-9	136	22	(	(	PUNCT
abrj-9	136	23	malhotra	malhotra	PROPN
abrj-9	136	24	and	and	CCONJ
abrj-9	136	25	birks	birk	NOUN
abrj-9	136	26	,	,	PUNCT
abrj-9	136	27	2007	2007	NUM
abrj-9	136	28	)	)	PUNCT
abrj-9	136	29	.	.	PUNCT
abrj-9	137	1	in	in	ADP
abrj-9	137	2	this	this	DET
abrj-9	137	3	case	case	NOUN
abrj-9	137	4	,	,	PUNCT
abrj-9	137	5	the	the	DET
abrj-9	137	6	study	study	NOUN
abrj-9	137	7	population	population	NOUN
abrj-9	137	8	was	be	AUX
abrj-9	137	9	8,513	8,513	NUM
abrj-9	137	10	customers	customer	NOUN
abrj-9	137	11	from	from	ADP
abrj-9	137	12	the	the	DET
abrj-9	137	13	rural	rural	ADJ
abrj-9	137	14	banks	bank	NOUN
abrj-9	137	15	as	as	SCONJ
abrj-9	137	16	follows	follow	VERB
abrj-9	137	17	:	:	PUNCT
abrj-9	137	18	ahantaman	ahantaman	PROPN
abrj-9	137	19	rural	rural	PROPN
abrj-9	137	20	bank	bank	PROPN
abrj-9	137	21	ltd	ltd	PROPN
abrj-9	137	22	,	,	PUNCT
abrj-9	137	23	lower	low	ADJ
abrj-9	137	24	pra	pra	PROPN
abrj-9	137	25	rural	rural	PROPN
abrj-9	137	26	bank	bank	PROPN
abrj-9	137	27	ltd	ltd	PROPN
abrj-9	137	28	,	,	PUNCT
abrj-9	137	29	arb	arb	PROPN
abrj-9	137	30	apex	apex	PROPN
abrj-9	137	31	bank	bank	PROPN
abrj-9	137	32	ltd	ltd	PROPN
abrj-9	137	33	,	,	PUNCT
abrj-9	137	34	mansoman	mansoman	PROPN
abrj-9	137	35	rural	rural	PROPN
abrj-9	137	36	bank	bank	PROPN
abrj-9	137	37	ltd	ltd	PROPN
abrj-9	137	38	and	and	CCONJ
abrj-9	137	39	lower	low	ADJ
abrj-9	137	40	amenfi	amenfi	ADJ
abrj-9	137	41	rural	rural	PROPN
abrj-9	137	42	bank	bank	PROPN
abrj-9	137	43	ltd	ltd	PROPN
abrj-9	137	44	amanfrom	amanfrom	PROPN
abrj-9	137	45	in	in	ADP
abrj-9	137	46	takoradi	takoradi	NOUN
abrj-9	137	47	.	.	PUNCT
abrj-9	138	1	from	from	ADP
abrj-9	138	2	the	the	DET
abrj-9	138	3	total	total	ADJ
abrj-9	138	4	population	population	NOUN
abrj-9	138	5	,	,	PUNCT
abrj-9	138	6	the	the	DET
abrj-9	138	7	sample	sample	NOUN
abrj-9	138	8	size	size	NOUN
abrj-9	138	9	was	be	AUX
abrj-9	138	10	382	382	NUM
abrj-9	138	11	respondents	respondent	NOUN
abrj-9	138	12	.	.	PUNCT
abrj-9	139	1	this	this	PRON
abrj-9	139	2	was	be	AUX
abrj-9	139	3	determined	determine	VERB
abrj-9	139	4	using	use	VERB
abrj-9	139	5	the	the	DET
abrj-9	139	6	sloven	sloven	ADJ
abrj-9	139	7	’s	’s	PART
abrj-9	139	8	formula	formula	NOUN
abrj-9	139	9	;	;	PUNCT
abrj-9	139	10	which	which	PRON
abrj-9	139	11	states	state	VERB
abrj-9	139	12	as	as	SCONJ
abrj-9	139	13	follows	follow	VERB
abrj-9	139	14	:	:	PUNCT
abrj-9	139	15	n	n	PROPN
abrj-9	139	16	=	=	SYM
abrj-9	139	17	(	(	PUNCT
abrj-9	139	18	)	)	PUNCT
abrj-9	139	19	where	where	SCONJ
abrj-9	139	20	n	n	NOUN
abrj-9	139	21	=	=	SYM
abrj-9	139	22	sample	sample	NOUN
abrj-9	139	23	size	size	NOUN
abrj-9	139	24	,	,	PUNCT
abrj-9	139	25	n	n	NOUN
abrj-9	139	26	=	=	SYM
abrj-9	139	27	accessible	accessible	ADJ
abrj-9	139	28	population	population	NOUN
abrj-9	139	29	and	and	CCONJ
abrj-9	139	30	e	e	NOUN
abrj-9	139	31	=	=	NOUN
abrj-9	139	32	level	level	NOUN
abrj-9	139	33	of	of	ADP
abrj-9	139	34	significance	significance	NOUN
abrj-9	139	35	at	at	ADP
abrj-9	139	36	0.05	0.05	NUM
abrj-9	139	37	.	.	PUNCT
abrj-9	140	1	the	the	DET
abrj-9	140	2	study	study	NOUN
abrj-9	140	3	employed	employ	VERB
abrj-9	140	4	non	non	ADJ
abrj-9	140	5	-	-	ADJ
abrj-9	140	6	probability	probability	ADJ
abrj-9	140	7	sampling	sampling	NOUN
abrj-9	140	8	technique	technique	NOUN
abrj-9	140	9	,	,	PUNCT
abrj-9	140	10	specifically	specifically	ADV
abrj-9	140	11	,	,	PUNCT
abrj-9	140	12	convenience	convenience	NOUN
abrj-9	140	13	sampling	sampling	NOUN
abrj-9	140	14	technique	technique	NOUN
abrj-9	140	15	was	be	AUX
abrj-9	140	16	used	use	VERB
abrj-9	140	17	to	to	PART
abrj-9	140	18	obtain	obtain	VERB
abrj-9	140	19	data	datum	NOUN
abrj-9	140	20	because	because	SCONJ
abrj-9	140	21	it	it	PRON
abrj-9	140	22	is	be	AUX
abrj-9	140	23	generally	generally	ADV
abrj-9	140	24	believed	believe	VERB
abrj-9	140	25	to	to	PART
abrj-9	140	26	be	be	AUX
abrj-9	140	27	fast	fast	ADJ
abrj-9	140	28	,	,	PUNCT
abrj-9	140	29	easy	easy	ADJ
abrj-9	140	30	,	,	PUNCT
abrj-9	140	31	inexpensive	inexpensive	ADJ
abrj-9	140	32	,	,	PUNCT
abrj-9	140	33	and	and	CCONJ
abrj-9	140	34	the	the	DET
abrj-9	140	35	customers	customer	NOUN
abrj-9	140	36	are	be	AUX
abrj-9	140	37	reachable	reachable	ADJ
abrj-9	140	38	for	for	ADP
abrj-9	140	39	the	the	DET
abrj-9	140	40	study	study	NOUN
abrj-9	140	41	.	.	PUNCT
abrj-9	141	1	the	the	DET
abrj-9	141	2	sample	sample	NOUN
abrj-9	141	3	comprises	comprise	VERB
abrj-9	141	4	customers	customer	NOUN
abrj-9	141	5	who	who	PRON
abrj-9	141	6	were	be	AUX
abrj-9	141	7	demanding	demand	VERB
abrj-9	141	8	service	service	NOUN
abrj-9	141	9	and	and	CCONJ
abrj-9	141	10	were	be	AUX
abrj-9	141	11	present	present	ADJ
abrj-9	141	12	at	at	ADP
abrj-9	141	13	the	the	DET
abrj-9	141	14	banking	banking	NOUN
abrj-9	141	15	hall	hall	NOUN
abrj-9	141	16	during	during	ADP
abrj-9	141	17	the	the	DET
abrj-9	141	18	data	data	NOUN
abrj-9	141	19	collection	collection	NOUN
abrj-9	141	20	period	period	NOUN
abrj-9	141	21	.	.	PUNCT
abrj-9	142	1	researchers	researcher	NOUN
abrj-9	142	2	employ	employ	VERB
abrj-9	142	3	convenience	convenience	NOUN
abrj-9	142	4	sampling	sample	VERB
abrj-9	142	5	in	in	ADP
abrj-9	142	6	light	light	NOUN
abrj-9	142	7	of	of	ADP
abrj-9	142	8	the	the	DET
abrj-9	142	9	fact	fact	NOUN
abrj-9	142	10	that	that	SCONJ
abrj-9	142	11	it	it	PRON
abrj-9	142	12	additionally	additionally	ADV
abrj-9	142	13	has	have	AUX
abrj-9	142	14	other	other	ADJ
abrj-9	142	15	research	research	NOUN
abrj-9	142	16	advantages	advantage	NOUN
abrj-9	142	17	apart	apart	ADV
abrj-9	142	18	from	from	ADP
abrj-9	142	19	ease	ease	NOUN
abrj-9	142	20	of	of	ADP
abrj-9	142	21	availability	availability	NOUN
abrj-9	142	22	and	and	CCONJ
abrj-9	142	23	time	time	NOUN
abrj-9	142	24	saving	saving	NOUN
abrj-9	142	25	.	.	PUNCT
abrj-9	143	1	convenience	convenience	NOUN
abrj-9	143	2	sampling	sampling	NOUN
abrj-9	143	3	is	be	AUX
abrj-9	143	4	generally	generally	ADV
abrj-9	143	5	utilized	utilize	VERB
abrj-9	143	6	on	on	ADP
abrj-9	143	7	the	the	DET
abrj-9	143	8	grounds	ground	NOUN
abrj-9	143	9	that	that	SCONJ
abrj-9	143	10	it	it	PRON
abrj-9	143	11	enables	enable	VERB
abrj-9	143	12	the	the	DET
abrj-9	143	13	researchers	researcher	NOUN
abrj-9	143	14	to	to	PART
abrj-9	143	15	get	get	VERB
abrj-9	143	16	essential	essential	ADJ
abrj-9	143	17	information	information	NOUN
abrj-9	143	18	and	and	CCONJ
abrj-9	143	19	trends	trend	NOUN
abrj-9	143	20	relative	relative	ADJ
abrj-9	143	21	to	to	ADP
abrj-9	143	22	the	the	DET
abrj-9	143	23	study	study	NOUN
abrj-9	143	24	without	without	ADP
abrj-9	143	25	the	the	DET
abrj-9	143	26	inconveniences	inconvenience	NOUN
abrj-9	143	27	of	of	ADP
abrj-9	143	28	utilizing	utilize	VERB
abrj-9	143	29	a	a	DET
abrj-9	143	30	randomized	randomized	ADJ
abrj-9	143	31	sample	sample	NOUN
abrj-9	143	32	.	.	PUNCT
abrj-9	144	1	the	the	DET
abrj-9	144	2	main	main	ADJ
abrj-9	144	3	instrument	instrument	NOUN
abrj-9	144	4	employed	employ	VERB
abrj-9	144	5	for	for	ADP
abrj-9	144	6	the	the	DET
abrj-9	144	7	data	data	NOUN
abrj-9	144	8	collection	collection	NOUN
abrj-9	144	9	was	be	AUX
abrj-9	144	10	a	a	DET
abrj-9	144	11	structured	structured	ADJ
abrj-9	144	12	closedended	closedende	VERB
abrj-9	144	13	questionnaire	questionnaire	NOUN
abrj-9	144	14	.	.	PUNCT
abrj-9	145	1	the	the	DET
abrj-9	145	2	questionnaire	questionnaire	NOUN
abrj-9	145	3	was	be	AUX
abrj-9	145	4	designed	design	VERB
abrj-9	145	5	to	to	PART
abrj-9	145	6	provide	provide	VERB
abrj-9	145	7	specific	specific	ADJ
abrj-9	145	8	responses	response	NOUN
abrj-9	145	9	aimed	aim	VERB
abrj-9	145	10	at	at	ADP
abrj-9	145	11	addressing	address	VERB
abrj-9	145	12	the	the	DET
abrj-9	145	13	research	research	NOUN
abrj-9	145	14	question	question	NOUN
abrj-9	145	15	.	.	PUNCT
abrj-9	146	1	respondents	respondent	NOUN
abrj-9	146	2	were	be	AUX
abrj-9	146	3	given	give	VERB
abrj-9	146	4	a	a	DET
abrj-9	146	5	questionnaire	questionnaire	NOUN
abrj-9	146	6	to	to	PART
abrj-9	146	7	fill	fill	VERB
abrj-9	146	8	.	.	PUNCT
abrj-9	147	1	likert	likert	NOUN
abrj-9	147	2	scales	scale	NOUN
abrj-9	147	3	were	be	AUX
abrj-9	147	4	used	use	VERB
abrj-9	147	5	in	in	ADP
abrj-9	147	6	measuring	measure	VERB
abrj-9	147	7	the	the	DET
abrj-9	147	8	variables	variable	NOUN
abrj-9	147	9	of	of	ADP
abrj-9	147	10	interest	interest	NOUN
abrj-9	147	11	that	that	PRON
abrj-9	147	12	have	have	VERB
abrj-9	147	13	to	to	PART
abrj-9	147	14	do	do	VERB
abrj-9	147	15	with	with	ADP
abrj-9	147	16	respondents	respondent	NOUN
abrj-9	147	17	’	'	PUNCT
abrj-9	147	18	level	level	NOUN
abrj-9	147	19	of	of	ADP
abrj-9	147	20	perceived	perceive	VERB
abrj-9	147	21	banking	banking	NOUN
abrj-9	147	22	service	service	NOUN
abrj-9	147	23	quality	quality	NOUN
abrj-9	147	24	delivery	delivery	NOUN
abrj-9	147	25	.	.	PUNCT
abrj-9	148	1	fifteen	fifteen	NUM
abrj-9	148	2	questions	question	NOUN
abrj-9	148	3	on	on	ADP
abrj-9	148	4	quality	quality	NOUN
abrj-9	148	5	service	service	NOUN
abrj-9	148	6	delivery	delivery	NOUN
abrj-9	148	7	were	be	AUX
abrj-9	148	8	administered	administer	VERB
abrj-9	148	9	to	to	ADP
abrj-9	148	10	the	the	DET
abrj-9	148	11	respondents	respondent	NOUN
abrj-9	148	12	on	on	ADP
abrj-9	148	13	which	which	PRON
abrj-9	148	14	the	the	DET
abrj-9	148	15	analysis	analysis	NOUN
abrj-9	148	16	was	be	AUX
abrj-9	148	17	based	base	VERB
abrj-9	148	18	.	.	PUNCT
abrj-9	149	1	respondents	respondent	NOUN
abrj-9	149	2	were	be	AUX
abrj-9	149	3	expected	expect	VERB
abrj-9	149	4	to	to	PART
abrj-9	149	5	tick	tick	VERB
abrj-9	149	6	the	the	DET
abrj-9	149	7	chosen	choose	VERB
abrj-9	149	8	item	item	NOUN
abrj-9	149	9	that	that	PRON
abrj-9	149	10	corresponds	correspond	VERB
abrj-9	149	11	to	to	ADP
abrj-9	149	12	a	a	DET
abrj-9	149	13	given	give	VERB
abrj-9	149	14	mark	mark	NOUN
abrj-9	149	15	in	in	ADP
abrj-9	149	16	likert	likert	ADJ
abrj-9	149	17	scale	scale	NOUN
abrj-9	149	18	starting	start	VERB
abrj-9	149	19	from	from	ADP
abrj-9	149	20	1=	1=	NUM
abrj-9	149	21	least	least	ADV
abrj-9	149	22	agree	agree	VERB
abrj-9	149	23	to	to	ADP
abrj-9	149	24	4	4	NUM
abrj-9	149	25	=	=	NOUN
abrj-9	149	26	highest	high	ADJ
abrj-9	149	27	agree	agree	NOUN
abrj-9	149	28	.	.	PUNCT
abrj-9	150	1	there	there	PRON
abrj-9	150	2	are	be	VERB
abrj-9	150	3	some	some	DET
abrj-9	150	4	reasons	reason	NOUN
abrj-9	150	5	behind	behind	ADP
abrj-9	150	6	the	the	DET
abrj-9	150	7	selection	selection	NOUN
abrj-9	150	8	of	of	ADP
abrj-9	150	9	this	this	DET
abrj-9	150	10	method	method	NOUN
abrj-9	150	11	.	.	PUNCT
abrj-9	151	1	first	first	ADV
abrj-9	151	2	,	,	PUNCT
abrj-9	151	3	it	it	PRON
abrj-9	151	4	allows	allow	VERB
abrj-9	151	5	large	large	ADJ
abrj-9	151	6	quantum	quantum	NOUN
abrj-9	151	7	of	of	ADP
abrj-9	151	8	information	information	NOUN
abrj-9	151	9	to	to	PART
abrj-9	151	10	be	be	AUX
abrj-9	151	11	solicited	solicit	VERB
abrj-9	151	12	at	at	ADP
abrj-9	151	13	a	a	DET
abrj-9	151	14	relatively	relatively	ADV
abrj-9	151	15	low	low	ADJ
abrj-9	151	16	cost	cost	NOUN
abrj-9	151	17	.	.	PUNCT
abrj-9	152	1	second	second	ADJ
abrj-9	152	2	,	,	PUNCT
abrj-9	152	3	more	more	ADV
abrj-9	152	4	accurate	accurate	ADJ
abrj-9	152	5	and	and	CCONJ
abrj-9	152	6	precise	precise	ADJ
abrj-9	152	7	responses	response	NOUN
abrj-9	152	8	are	be	AUX
abrj-9	152	9	obtained	obtain	VERB
abrj-9	152	10	because	because	SCONJ
abrj-9	152	11	researchers	researcher	NOUN
abrj-9	152	12	’	'	PUNCT
abrj-9	152	13	bias	bias	NOUN
abrj-9	152	14	can	can	AUX
abrj-9	152	15	be	be	AUX
abrj-9	152	16	avoided	avoid	VERB
abrj-9	152	17	.	.	PUNCT
abrj-9	153	1	in	in	ADP
abrj-9	153	2	order	order	NOUN
abrj-9	153	3	to	to	PART
abrj-9	153	4	reduce	reduce	VERB
abrj-9	153	5	the	the	DET
abrj-9	153	6	chances	chance	NOUN
abrj-9	153	7	of	of	ADP
abrj-9	153	8	getting	get	VERB
abrj-9	153	9	a	a	DET
abrj-9	153	10	wrong	wrong	ADJ
abrj-9	153	11	answer	answer	NOUN
abrj-9	153	12	,	,	PUNCT
abrj-9	153	13	attention	attention	NOUN
abrj-9	153	14	was	be	AUX
abrj-9	153	15	paid	pay	VERB
abrj-9	153	16	to	to	ADP
abrj-9	153	17	the	the	DET
abrj-9	153	18	reliability	reliability	NOUN
abrj-9	153	19	and	and	CCONJ
abrj-9	153	20	validity	validity	NOUN
abrj-9	153	21	of	of	ADP
abrj-9	153	22	the	the	DET
abrj-9	153	23	instrument	instrument	NOUN
abrj-9	153	24	used	use	VERB
abrj-9	153	25	.	.	PUNCT
abrj-9	154	1	some	some	DET
abrj-9	154	2	steps	step	NOUN
abrj-9	154	3	were	be	AUX
abrj-9	154	4	taken	take	VERB
abrj-9	154	5	into	into	ADP
abrj-9	154	6	consideration	consideration	NOUN
abrj-9	154	7	to	to	PART
abrj-9	154	8	ensure	ensure	VERB
abrj-9	154	9	the	the	DET
abrj-9	154	10	validity	validity	NOUN
abrj-9	154	11	and	and	CCONJ
abrj-9	154	12	reliability	reliability	NOUN
abrj-9	154	13	of	of	ADP
abrj-9	154	14	the	the	DET
abrj-9	154	15	study	study	NOUN
abrj-9	154	16	:	:	PUNCT
abrj-9	154	17	data	datum	NOUN
abrj-9	154	18	were	be	AUX
abrj-9	154	19	obtained	obtain	VERB
abrj-9	154	20	from	from	ADP
abrj-9	154	21	the	the	DET
abrj-9	154	22	reliable	reliable	ADJ
abrj-9	154	23	sources	source	NOUN
abrj-9	154	24	.	.	PUNCT
abrj-9	155	1	which	which	PRON
abrj-9	155	2	means	mean	VERB
abrj-9	155	3	that	that	SCONJ
abrj-9	155	4	a	a	DET
abrj-9	155	5	respondent	respondent	NOUN
abrj-9	155	6	must	must	AUX
abrj-9	155	7	be	be	AUX
abrj-9	155	8	a	a	DET
abrj-9	155	9	customer	customer	NOUN
abrj-9	155	10	of	of	ADP
abrj-9	155	11	the	the	DET
abrj-9	155	12	bank	bank	NOUN
abrj-9	155	13	under	under	ADP
abrj-9	155	14	research	research	NOUN
abrj-9	155	15	;	;	PUNCT
abrj-9	155	16	questionnaire	questionnaire	NOUN
abrj-9	155	17	was	be	AUX
abrj-9	155	18	made	make	VERB
abrj-9	155	19	based	base	VERB
abrj-9	155	20	on	on	ADP
abrj-9	155	21	literature	literature	PROPN
abrj-9	155	22	review	review	NOUN
abrj-9	155	23	;	;	PUNCT
abrj-9	155	24	questionnaire	questionnaire	NOUN
abrj-9	155	25	was	be	AUX
abrj-9	155	26	pre	pre	VERB
abrj-9	155	27	-	-	VERB
abrj-9	155	28	tested	test	VERB
abrj-9	155	29	by	by	ADP
abrj-9	155	30	experienced	experienced	ADJ
abrj-9	155	31	persons	person	NOUN
abrj-9	155	32	to	to	PART
abrj-9	155	33	ensure	ensure	VERB
abrj-9	155	34	it	it	PRON
abrj-9	155	35	measured	measure	VERB
abrj-9	155	36	what	what	PRON
abrj-9	155	37	it	it	PRON
abrj-9	155	38	was	be	AUX
abrj-9	155	39	supposed	suppose	VERB
abrj-9	155	40	to	to	PART
abrj-9	155	41	;	;	PUNCT
abrj-9	155	42	data	datum	NOUN
abrj-9	155	43	were	be	AUX
abrj-9	155	44	obtained	obtain	VERB
abrj-9	155	45	through	through	ADP
abrj-9	155	46	a	a	DET
abrj-9	155	47	short	short	ADJ
abrj-9	155	48	period	period	NOUN
abrj-9	155	49	of	of	ADP
abrj-9	155	50	time	time	NOUN
abrj-9	155	51	.	.	PUNCT
abrj-9	156	1	results	result	NOUN
abrj-9	156	2	from	from	ADP
abrj-9	156	3	the	the	DET
abrj-9	156	4	pre	pre	NOUN
abrj-9	156	5	-	-	NOUN
abrj-9	156	6	test	test	NOUN
abrj-9	156	7	showed	show	VERB
abrj-9	156	8	cronbach	cronbach	NOUN
abrj-9	156	9	’s	’s	PART
abrj-9	156	10	alpha	alpha	NOUN
abrj-9	156	11	of	of	ADP
abrj-9	156	12	0.78	0.78	NUM
abrj-9	156	13	in	in	ADP
abrj-9	156	14	line	line	NOUN
abrj-9	156	15	with	with	ADP
abrj-9	156	16	pallant	pallant	NOUN
abrj-9	156	17	(	(	PUNCT
abrj-9	156	18	2007	2007	NUM
abrj-9	156	19	)	)	PUNCT
abrj-9	156	20	suggestions	suggestion	NOUN
abrj-9	156	21	.	.	PUNCT
abrj-9	157	1	to	to	PART
abrj-9	157	2	ensure	ensure	VERB
abrj-9	157	3	strict	strict	ADJ
abrj-9	157	4	compliance	compliance	NOUN
abrj-9	157	5	with	with	ADP
abrj-9	157	6	ethical	ethical	ADJ
abrj-9	157	7	standards	standard	NOUN
abrj-9	157	8	of	of	ADP
abrj-9	157	9	research	research	NOUN
abrj-9	157	10	,	,	PUNCT
abrj-9	157	11	written	write	VERB
abrj-9	157	12	permission	permission	NOUN
abrj-9	157	13	was	be	AUX
abrj-9	157	14	duly	duly	ADV
abrj-9	157	15	sought	seek	VERB
abrj-9	157	16	from	from	ADP
abrj-9	157	17	the	the	DET
abrj-9	157	18	respective	respective	ADJ
abrj-9	157	19	rural	rural	ADJ
abrj-9	157	20	banks	bank	NOUN
abrj-9	157	21	,	,	PUNCT
abrj-9	157	22	which	which	PRON
abrj-9	157	23	was	be	AUX
abrj-9	157	24	duly	duly	ADV
abrj-9	157	25	granted	grant	VERB
abrj-9	157	26	before	before	SCONJ
abrj-9	157	27	data	datum	NOUN
abrj-9	157	28	were	be	AUX
abrj-9	157	29	collected	collect	VERB
abrj-9	157	30	.	.	PUNCT
abrj-9	158	1	the	the	DET
abrj-9	158	2	researchers	researcher	NOUN
abrj-9	158	3	introduced	introduce	VERB
abrj-9	158	4	a	a	DET
abrj-9	158	5	clause	clause	NOUN
abrj-9	158	6	in	in	ADP
abrj-9	158	7	the	the	DET
abrj-9	158	8	introductory	introductory	ADJ
abrj-9	158	9	paragraph	paragraph	NOUN
abrj-9	158	10	of	of	ADP
abrj-9	158	11	the	the	DET
abrj-9	158	12	questionnaire	questionnaire	NOUN
abrj-9	158	13	assuring	assure	VERB
abrj-9	158	14	respondents	respondent	NOUN
abrj-9	158	15	of	of	ADP
abrj-9	158	16	anonymity	anonymity	NOUN
abrj-9	158	17	and	and	CCONJ
abrj-9	158	18	confidentiality	confidentiality	NOUN
abrj-9	158	19	.	.	PUNCT
abrj-9	159	1	in	in	ADP
abrj-9	159	2	addition	addition	NOUN
abrj-9	159	3	,	,	PUNCT
abrj-9	159	4	the	the	DET
abrj-9	159	5	time	time	NOUN
abrj-9	159	6	required	require	VERB
abrj-9	159	7	for	for	ADP
abrj-9	159	8	filling	fill	VERB
abrj-9	159	9	the	the	DET
abrj-9	159	10	questionnaire	questionnaire	NOUN
abrj-9	159	11	was	be	AUX
abrj-9	159	12	mutually	mutually	ADV
abrj-9	159	13	agreed	agree	VERB
abrj-9	159	14	between	between	ADP
abrj-9	159	15	the	the	DET
abrj-9	159	16	respondents	respondent	NOUN
abrj-9	159	17	and	and	CCONJ
abrj-9	159	18	the	the	DET
abrj-9	159	19	researchers	researcher	NOUN
abrj-9	159	20	.	.	PUNCT
abrj-9	160	1	4	4	X
abrj-9	160	2	.	.	NOUN
abrj-9	160	3	results	result	NOUN
abrj-9	160	4	and	and	CCONJ
abrj-9	160	5	conclusion	conclusion	NOUN
abrj-9	160	6	4.1	4.1	NUM
abrj-9	160	7	.	.	PUNCT
abrj-9	161	1	respondent	respondent	NOUN
abrj-9	161	2	’s	’s	PART
abrj-9	161	3	background	background	NOUN
abrj-9	161	4	information	information	NOUN
abrj-9	161	5	in	in	ADP
abrj-9	161	6	this	this	DET
abrj-9	161	7	study	study	NOUN
abrj-9	161	8	,	,	PUNCT
abrj-9	161	9	respondents	respondent	NOUN
abrj-9	161	10	’	'	PUNCT
abrj-9	161	11	background	background	NOUN
abrj-9	161	12	information	information	NOUN
abrj-9	161	13	was	be	AUX
abrj-9	161	14	described	describe	VERB
abrj-9	161	15	as	as	ADP
abrj-9	161	16	regards	regard	NOUN
abrj-9	161	17	of	of	ADP
abrj-9	161	18	sex	sex	NOUN
abrj-9	161	19	,	,	PUNCT
abrj-9	161	20	age	age	NOUN
abrj-9	161	21	range	range	NOUN
abrj-9	161	22	,	,	PUNCT
abrj-9	161	23	highest	high	ADJ
abrj-9	161	24	education	education	NOUN
abrj-9	161	25	level	level	NOUN
abrj-9	161	26	,	,	PUNCT
abrj-9	161	27	experience	experience	NOUN
abrj-9	161	28	with	with	ADP
abrj-9	161	29	the	the	DET
abrj-9	161	30	bank	bank	NOUN
abrj-9	161	31	and	and	CCONJ
abrj-9	161	32	type	type	NOUN
abrj-9	161	33	of	of	ADP
abrj-9	161	34	account	account	NOUN
abrj-9	161	35	.	.	PUNCT
abrj-9	162	1	respondents	respondent	NOUN
abrj-9	162	2	were	be	AUX
abrj-9	162	3	to	to	PART
abrj-9	162	4	state	state	VERB
abrj-9	162	5	their	their	PRON
abrj-9	162	6	characteristics	characteristic	NOUN
abrj-9	162	7	for	for	ADP
abrj-9	162	8	the	the	DET
abrj-9	162	9	purposes	purpose	NOUN
abrj-9	162	10	of	of	ADP
abrj-9	162	11	classification	classification	NOUN
abrj-9	162	12	and	and	CCONJ
abrj-9	162	13	comparison	comparison	NOUN
abrj-9	162	14	.	.	PUNCT
abrj-9	163	1	the	the	DET
abrj-9	163	2	study	study	NOUN
abrj-9	163	3	employed	employ	VERB
abrj-9	163	4	a	a	DET
abrj-9	163	5	closed	closed	ADJ
abrj-9	163	6	ended	end	VERB
abrj-9	163	7	questionnaire	questionnaire	NOUN
abrj-9	163	8	to	to	PART
abrj-9	163	9	categorize	categorize	VERB
abrj-9	163	10	respondent	respondent	NOUN
abrj-9	163	11	’s	’s	PART
abrj-9	163	12	background	background	NOUN
abrj-9	163	13	information	information	NOUN
abrj-9	163	14	and	and	CCONJ
abrj-9	163	15	responses	response	NOUN
abrj-9	163	16	were	be	AUX
abrj-9	163	17	analyzed	analyze	VERB
abrj-9	163	18	using	use	VERB
abrj-9	163	19	frequencies	frequency	NOUN
abrj-9	163	20	and	and	CCONJ
abrj-9	163	21	percentage	percentage	NOUN
abrj-9	163	22	distributions	distribution	NOUN
abrj-9	163	23	as	as	SCONJ
abrj-9	163	24	shown	show	VERB
abrj-9	163	25	in	in	ADP
abrj-9	163	26	table	table	NOUN
abrj-9	163	27	1	1	NUM
abrj-9	163	28	.	.	PUNCT
abrj-9	164	1	the	the	DET
abrj-9	164	2	results	result	NOUN
abrj-9	164	3	indicate	indicate	VERB
abrj-9	164	4	that	that	SCONJ
abrj-9	164	5	males	male	NOUN
abrj-9	164	6	were	be	AUX
abrj-9	164	7	the	the	DET
abrj-9	164	8	majority	majority	NOUN
abrj-9	164	9	respondents	respondent	NOUN
abrj-9	164	10	as	as	SCONJ
abrj-9	164	11	represented	represent	VERB
abrj-9	164	12	by	by	ADP
abrj-9	164	13	61.5	61.5	NUM
abrj-9	164	14	per	per	NOUN
abrj-9	164	15	cent	cent	NOUN
abrj-9	164	16	while	while	SCONJ
abrj-9	164	17	females	female	NOUN
abrj-9	164	18	were	be	AUX
abrj-9	164	19	in	in	ADP
abrj-9	164	20	the	the	DET
abrj-9	164	21	minority	minority	NOUN
abrj-9	164	22	as	as	SCONJ
abrj-9	164	23	represented	represent	VERB
abrj-9	164	24	by	by	ADP
abrj-9	164	25	38.5	38.5	NUM
abrj-9	164	26	per	per	ADP
abrj-9	164	27	cent	cent	NOUN
abrj-9	164	28	.	.	PUNCT
abrj-9	165	1	this	this	DET
abrj-9	165	2	finding	finding	NOUN
abrj-9	165	3	shows	show	VERB
abrj-9	165	4	that	that	SCONJ
abrj-9	165	5	the	the	DET
abrj-9	165	6	greater	great	ADJ
abrj-9	165	7	number	number	NOUN
abrj-9	165	8	of	of	ADP
abrj-9	165	9	rural	rural	ADJ
abrj-9	165	10	banking	banking	NOUN
abrj-9	165	11	populace	populace	NOUN
abrj-9	165	12	in	in	ADP
abrj-9	165	13	takoradi	takoradi	NOUN
abrj-9	165	14	is	be	AUX
abrj-9	165	15	dominated	dominate	VERB
abrj-9	165	16	by	by	ADP
abrj-9	165	17	male	male	ADJ
abrj-9	165	18	customers	customer	NOUN
abrj-9	165	19	.	.	PUNCT
abrj-9	166	1	asian	asian	ADJ
abrj-9	166	2	business	business	PROPN
abrj-9	166	3	research	research	NOUN
abrj-9	166	4	journal	journal	NOUN
abrj-9	166	5	,	,	PUNCT
abrj-9	166	6	2018	2018	NUM
abrj-9	166	7	,	,	PUNCT
abrj-9	166	8	3	3	NUM
abrj-9	166	9	:	:	SYM
abrj-9	166	10	33	33	NUM
abrj-9	166	11	-	-	SYM
abrj-9	166	12	40	40	NUM
abrj-9	166	13	37	37	NUM
abrj-9	166	14	©	©	PROPN
abrj-9	166	15	2018	2018	NUM
abrj-9	166	16	by	by	ADP
abrj-9	166	17	the	the	DET
abrj-9	166	18	authors	author	NOUN
abrj-9	166	19	;	;	PUNCT
abrj-9	166	20	licensee	licensee	NOUN
abrj-9	166	21	eastern	eastern	ADJ
abrj-9	166	22	centre	centre	NOUN
abrj-9	166	23	of	of	ADP
abrj-9	166	24	science	science	NOUN
abrj-9	166	25	and	and	CCONJ
abrj-9	166	26	education	education	NOUN
abrj-9	166	27	,	,	PUNCT
abrj-9	166	28	usa	usa	PROPN
abrj-9	166	29	about	about	ADV
abrj-9	166	30	32.5	32.5	NUM
abrj-9	166	31	per	per	ADP
abrj-9	166	32	cent	cent	NOUN
abrj-9	166	33	of	of	ADP
abrj-9	166	34	the	the	DET
abrj-9	166	35	respondents	respondent	NOUN
abrj-9	166	36	indicated	indicate	VERB
abrj-9	166	37	that	that	SCONJ
abrj-9	166	38	their	their	PRON
abrj-9	166	39	ages	age	NOUN
abrj-9	166	40	fell	fall	VERB
abrj-9	166	41	within	within	ADP
abrj-9	166	42	the	the	DET
abrj-9	166	43	range	range	NOUN
abrj-9	166	44	26	26	NUM
abrj-9	166	45	-	-	SYM
abrj-9	166	46	35	35	NUM
abrj-9	166	47	years	year	NOUN
abrj-9	166	48	.	.	PUNCT
abrj-9	167	1	this	this	PRON
abrj-9	167	2	was	be	AUX
abrj-9	167	3	followed	follow	VERB
abrj-9	167	4	by	by	ADP
abrj-9	167	5	23.8	23.8	NUM
abrj-9	167	6	per	per	ADP
abrj-9	167	7	cent	cent	NOUN
abrj-9	167	8	whose	whose	DET
abrj-9	167	9	ages	age	NOUN
abrj-9	167	10	range	range	VERB
abrj-9	167	11	between	between	ADP
abrj-9	167	12	36	36	NUM
abrj-9	167	13	-	-	SYM
abrj-9	167	14	45	45	NUM
abrj-9	167	15	years	year	NOUN
abrj-9	167	16	.	.	PUNCT
abrj-9	168	1	about	about	ADV
abrj-9	168	2	13.9	13.9	NUM
abrj-9	168	3	per	per	ADP
abrj-9	168	4	cent	cent	NOUN
abrj-9	168	5	of	of	ADP
abrj-9	168	6	the	the	DET
abrj-9	168	7	respondents	respondent	NOUN
abrj-9	168	8	affirmed	affirm	VERB
abrj-9	168	9	the	the	DET
abrj-9	168	10	age	age	NOUN
abrj-9	168	11	range	range	NOUN
abrj-9	168	12	of	of	ADP
abrj-9	168	13	18	18	NUM
abrj-9	168	14	-	-	SYM
abrj-9	168	15	25	25	NUM
abrj-9	168	16	years	year	NOUN
abrj-9	168	17	.	.	PUNCT
abrj-9	169	1	cumulatively	cumulatively	ADV
abrj-9	169	2	,	,	PUNCT
abrj-9	169	3	29.9	29.9	NUM
abrj-9	169	4	per	per	ADP
abrj-9	169	5	cent	cent	NOUN
abrj-9	169	6	of	of	ADP
abrj-9	169	7	the	the	DET
abrj-9	169	8	respondents	respondent	NOUN
abrj-9	169	9	indicated	indicate	VERB
abrj-9	169	10	a	a	DET
abrj-9	169	11	range	range	NOUN
abrj-9	169	12	of	of	ADP
abrj-9	169	13	46	46	NUM
abrj-9	169	14	years	year	NOUN
abrj-9	169	15	and	and	CCONJ
abrj-9	169	16	above	above	ADV
abrj-9	169	17	.	.	PUNCT
abrj-9	170	1	the	the	DET
abrj-9	170	2	finding	finding	NOUN
abrj-9	170	3	reveals	reveal	VERB
abrj-9	170	4	that	that	SCONJ
abrj-9	170	5	most	most	ADJ
abrj-9	170	6	of	of	ADP
abrj-9	170	7	customers	customer	NOUN
abrj-9	170	8	of	of	ADP
abrj-9	170	9	the	the	DET
abrj-9	170	10	rural	rural	ADJ
abrj-9	170	11	banks	bank	NOUN
abrj-9	170	12	in	in	ADP
abrj-9	170	13	takoradi	takoradi	NOUN
abrj-9	170	14	are	be	AUX
abrj-9	170	15	youthful	youthful	ADJ
abrj-9	170	16	,	,	PUNCT
abrj-9	170	17	thus	thus	ADV
abrj-9	170	18	between	between	ADP
abrj-9	170	19	18	18	NUM
abrj-9	170	20	-	-	SYM
abrj-9	170	21	45	45	NUM
abrj-9	170	22	years	year	NOUN
abrj-9	170	23	.	.	PUNCT
abrj-9	171	1	concerning	concern	VERB
abrj-9	171	2	the	the	DET
abrj-9	171	3	highest	high	ADJ
abrj-9	171	4	educational	educational	ADJ
abrj-9	171	5	levels	level	NOUN
abrj-9	171	6	of	of	ADP
abrj-9	171	7	respondents	respondent	NOUN
abrj-9	171	8	,	,	PUNCT
abrj-9	171	9	the	the	DET
abrj-9	171	10	findings	finding	NOUN
abrj-9	171	11	show	show	VERB
abrj-9	171	12	that	that	SCONJ
abrj-9	171	13	27.2	27.2	NUM
abrj-9	171	14	per	per	ADP
abrj-9	171	15	cent	cent	NOUN
abrj-9	171	16	have	have	VERB
abrj-9	171	17	senior	senior	ADJ
abrj-9	171	18	high	high	ADJ
abrj-9	171	19	school	school	NOUN
abrj-9	171	20	certificate	certificate	NOUN
abrj-9	171	21	.	.	PUNCT
abrj-9	172	1	approximately	approximately	ADV
abrj-9	172	2	29.1	29.1	NUM
abrj-9	172	3	per	per	ADP
abrj-9	172	4	cent	cent	NOUN
abrj-9	172	5	indicated	indicate	VERB
abrj-9	172	6	that	that	SCONJ
abrj-9	172	7	their	their	PRON
abrj-9	172	8	highest	high	ADJ
abrj-9	172	9	educational	educational	ADJ
abrj-9	172	10	level	level	NOUN
abrj-9	172	11	was	be	AUX
abrj-9	172	12	junior	junior	ADJ
abrj-9	172	13	high	high	ADJ
abrj-9	172	14	school	school	NOUN
abrj-9	172	15	education	education	NOUN
abrj-9	172	16	.	.	PUNCT
abrj-9	173	1	about	about	ADV
abrj-9	173	2	12.3	12.3	NUM
abrj-9	173	3	per	per	ADP
abrj-9	173	4	cent	cent	NOUN
abrj-9	173	5	and	and	CCONJ
abrj-9	173	6	11.3	11.3	NUM
abrj-9	173	7	per	per	ADP
abrj-9	173	8	cent	cent	NOUN
abrj-9	173	9	of	of	ADP
abrj-9	173	10	the	the	DET
abrj-9	173	11	respondents	respondent	NOUN
abrj-9	173	12	indicated	indicate	VERB
abrj-9	173	13	that	that	SCONJ
abrj-9	173	14	they	they	PRON
abrj-9	173	15	have	have	VERB
abrj-9	173	16	higher	high	ADJ
abrj-9	173	17	national	national	ADJ
abrj-9	173	18	diploma	diploma	NOUN
abrj-9	173	19	and	and	CCONJ
abrj-9	173	20	bachelor	bachelor	NOUN
abrj-9	173	21	’s	’s	PART
abrj-9	173	22	degree	degree	NOUN
abrj-9	173	23	respectively	respectively	ADV
abrj-9	173	24	.	.	PUNCT
abrj-9	174	1	the	the	DET
abrj-9	174	2	background	background	NOUN
abrj-9	174	3	information	information	NOUN
abrj-9	174	4	further	far	ADV
abrj-9	174	5	presents	present	VERB
abrj-9	174	6	respondents	respondent	NOUN
abrj-9	174	7	experience	experience	VERB
abrj-9	174	8	in	in	ADP
abrj-9	174	9	terms	term	NOUN
abrj-9	174	10	of	of	ADP
abrj-9	174	11	the	the	DET
abrj-9	174	12	number	number	NOUN
abrj-9	174	13	of	of	ADP
abrj-9	174	14	years	year	NOUN
abrj-9	174	15	they	they	PRON
abrj-9	174	16	have	have	AUX
abrj-9	174	17	been	be	AUX
abrj-9	174	18	transacting	transact	VERB
abrj-9	174	19	business	business	NOUN
abrj-9	174	20	with	with	ADP
abrj-9	174	21	the	the	DET
abrj-9	174	22	rural	rural	ADJ
abrj-9	174	23	bank	bank	NOUN
abrj-9	174	24	.	.	PUNCT
abrj-9	175	1	the	the	DET
abrj-9	175	2	figure	figure	NOUN
abrj-9	175	3	shows	show	VERB
abrj-9	175	4	that	that	SCONJ
abrj-9	175	5	37.2	37.2	NUM
abrj-9	175	6	per	per	ADP
abrj-9	175	7	cent	cent	NOUN
abrj-9	175	8	of	of	ADP
abrj-9	175	9	the	the	DET
abrj-9	175	10	respondents	respondent	NOUN
abrj-9	175	11	had	have	AUX
abrj-9	175	12	banked	bank	VERB
abrj-9	175	13	between	between	ADP
abrj-9	175	14	1	1	NUM
abrj-9	175	15	-	-	SYM
abrj-9	175	16	5	5	NUM
abrj-9	175	17	years	year	NOUN
abrj-9	175	18	.	.	PUNCT
abrj-9	176	1	this	this	PRON
abrj-9	176	2	was	be	AUX
abrj-9	176	3	followed	follow	VERB
abrj-9	176	4	by	by	ADP
abrj-9	176	5	34.0	34.0	NUM
abrj-9	176	6	per	per	ADP
abrj-9	176	7	cent	cent	NOUN
abrj-9	176	8	of	of	ADP
abrj-9	176	9	the	the	DET
abrj-9	176	10	respondents	respondent	NOUN
abrj-9	176	11	whose	whose	DET
abrj-9	176	12	bank	bank	NOUN
abrj-9	176	13	experience	experience	NOUN
abrj-9	176	14	spans	span	VERB
abrj-9	176	15	10	10	NUM
abrj-9	176	16	years	year	NOUN
abrj-9	176	17	and	and	CCONJ
abrj-9	176	18	above	above	ADV
abrj-9	176	19	.	.	PUNCT
abrj-9	177	1	nineteen	nineteen	NUM
abrj-9	177	2	per	per	ADP
abrj-9	177	3	cent	cent	NOUN
abrj-9	177	4	had	have	AUX
abrj-9	177	5	banked	bank	VERB
abrj-9	177	6	between	between	ADP
abrj-9	177	7	6	6	NUM
abrj-9	177	8	-	-	SYM
abrj-9	177	9	10	10	NUM
abrj-9	177	10	years	year	NOUN
abrj-9	177	11	.	.	PUNCT
abrj-9	178	1	this	this	PRON
abrj-9	178	2	indicates	indicate	VERB
abrj-9	178	3	that	that	SCONJ
abrj-9	178	4	the	the	DET
abrj-9	178	5	majority	majority	NOUN
abrj-9	178	6	of	of	ADP
abrj-9	178	7	the	the	DET
abrj-9	178	8	respondents	respondent	NOUN
abrj-9	178	9	have	have	VERB
abrj-9	178	10	some	some	DET
abrj-9	178	11	knowledge	knowledge	NOUN
abrj-9	178	12	and	and	CCONJ
abrj-9	178	13	experience	experience	NOUN
abrj-9	178	14	about	about	ADP
abrj-9	178	15	the	the	DET
abrj-9	178	16	rural	rural	ADJ
abrj-9	178	17	banks	bank	NOUN
abrj-9	178	18	since	since	SCONJ
abrj-9	178	19	they	they	PRON
abrj-9	178	20	have	have	AUX
abrj-9	178	21	been	be	AUX
abrj-9	178	22	customers	customer	NOUN
abrj-9	178	23	for	for	ADP
abrj-9	178	24	these	these	DET
abrj-9	178	25	respective	respective	ADJ
abrj-9	178	26	banks	bank	NOUN
abrj-9	178	27	for	for	ADP
abrj-9	178	28	relatively	relatively	ADV
abrj-9	178	29	longer	long	ADJ
abrj-9	178	30	period	period	NOUN
abrj-9	178	31	of	of	ADP
abrj-9	178	32	time	time	NOUN
abrj-9	178	33	.	.	PUNCT
abrj-9	179	1	with	with	ADP
abrj-9	179	2	regard	regard	NOUN
abrj-9	179	3	to	to	ADP
abrj-9	179	4	the	the	DET
abrj-9	179	5	type	type	NOUN
abrj-9	179	6	of	of	ADP
abrj-9	179	7	accounts	account	NOUN
abrj-9	179	8	held	hold	VERB
abrj-9	179	9	,	,	PUNCT
abrj-9	179	10	45.8	45.8	NUM
abrj-9	179	11	per	per	ADP
abrj-9	179	12	cent	cent	NOUN
abrj-9	179	13	of	of	ADP
abrj-9	179	14	the	the	DET
abrj-9	179	15	respondents	respondent	NOUN
abrj-9	179	16	hold	hold	VERB
abrj-9	179	17	savings	saving	NOUN
abrj-9	179	18	account	account	NOUN
abrj-9	179	19	,	,	PUNCT
abrj-9	179	20	24.3	24.3	NUM
abrj-9	179	21	per	per	ADP
abrj-9	179	22	cent	cent	NOUN
abrj-9	179	23	hold	hold	NOUN
abrj-9	179	24	salary	salary	NOUN
abrj-9	179	25	account	account	NOUN
abrj-9	179	26	,	,	PUNCT
abrj-9	179	27	15.7	15.7	NUM
abrj-9	179	28	per	per	ADP
abrj-9	179	29	cent	cent	NOUN
abrj-9	179	30	hold	hold	VERB
abrj-9	179	31	current	current	ADJ
abrj-9	179	32	account	account	NOUN
abrj-9	179	33	and	and	CCONJ
abrj-9	179	34	the	the	DET
abrj-9	179	35	remaining	remain	VERB
abrj-9	179	36	14.2	14.2	NUM
abrj-9	179	37	per	per	ADP
abrj-9	179	38	cent	cent	NOUN
abrj-9	179	39	hold	hold	NOUN
abrj-9	179	40	loan	loan	NOUN
abrj-9	179	41	account	account	NOUN
abrj-9	179	42	.	.	PUNCT
abrj-9	180	1	the	the	DET
abrj-9	180	2	findings	finding	NOUN
abrj-9	180	3	show	show	VERB
abrj-9	180	4	that	that	SCONJ
abrj-9	180	5	most	most	ADJ
abrj-9	180	6	customers	customer	NOUN
abrj-9	180	7	prefer	prefer	VERB
abrj-9	180	8	savings	saving	NOUN
abrj-9	180	9	account	account	NOUN
abrj-9	180	10	with	with	ADP
abrj-9	180	11	the	the	DET
abrj-9	180	12	rural	rural	ADJ
abrj-9	180	13	banks	bank	NOUN
abrj-9	180	14	in	in	ADP
abrj-9	180	15	takoradi	takoradi	NOUN
abrj-9	180	16	to	to	ADP
abrj-9	180	17	other	other	ADJ
abrj-9	180	18	forms	form	NOUN
abrj-9	180	19	of	of	ADP
abrj-9	180	20	accounts	account	NOUN
abrj-9	180	21	.	.	PUNCT
abrj-9	181	1	table-1	table-1	NUM
abrj-9	181	2	.	.	PUNCT
abrj-9	182	1	description	description	NOUN
abrj-9	182	2	of	of	ADP
abrj-9	182	3	respondents	respondent	NOUN
abrj-9	182	4	’	’	PART
abrj-9	182	5	background	background	NOUN
abrj-9	182	6	information	information	NOUN
abrj-9	182	7	background	background	NOUN
abrj-9	182	8	information	information	NOUN
abrj-9	182	9	frequency	frequency	NOUN
abrj-9	182	10	per	per	ADP
abrj-9	182	11	cent	cent	NOUN
abrj-9	182	12	sex	sex	NOUN
abrj-9	182	13	male	male	NOUN
abrj-9	182	14	235	235	NUM
abrj-9	182	15	61.5	61.5	NUM
abrj-9	182	16	female	female	NOUN
abrj-9	182	17	147	147	NUM
abrj-9	182	18	38.5	38.5	NUM
abrj-9	182	19	total	total	NOUN
abrj-9	182	20	382	382	NUM
abrj-9	182	21	100	100	NUM
abrj-9	182	22	age	age	NOUN
abrj-9	182	23	range	range	NOUN
abrj-9	182	24	(	(	PUNCT
abrj-9	182	25	years	year	NOUN
abrj-9	182	26	)	)	PUNCT
abrj-9	182	27	18	18	NUM
abrj-9	182	28	-	-	SYM
abrj-9	182	29	25	25	NUM
abrj-9	182	30	53	53	NUM
abrj-9	182	31	13.9	13.9	NUM
abrj-9	182	32	26	26	NUM
abrj-9	182	33	-	-	SYM
abrj-9	182	34	35	35	NUM
abrj-9	182	35	124	124	NUM
abrj-9	182	36	32.5	32.5	NUM
abrj-9	182	37	36	36	NUM
abrj-9	182	38	-	-	SYM
abrj-9	182	39	45	45	NUM
abrj-9	182	40	91	91	NUM
abrj-9	182	41	23.8	23.8	NUM
abrj-9	182	42	46	46	NUM
abrj-9	182	43	-	-	SYM
abrj-9	182	44	55	55	NUM
abrj-9	182	45	69	69	NUM
abrj-9	182	46	18.0	18.0	NUM
abrj-9	182	47	56	56	NUM
abrj-9	182	48	and	and	CCONJ
abrj-9	182	49	above	above	ADP
abrj-9	182	50	45	45	NUM
abrj-9	182	51	11.8	11.8	NUM
abrj-9	182	52	total	total	NOUN
abrj-9	182	53	382	382	NUM
abrj-9	182	54	100.0	100.0	NUM
abrj-9	182	55	highest	high	ADJ
abrj-9	182	56	education	education	NOUN
abrj-9	182	57	level	level	NOUN
abrj-9	182	58	middle	middle	ADJ
abrj-9	182	59	school	school	NOUN
abrj-9	182	60	59	59	NUM
abrj-9	182	61	15.4	15.4	NUM
abrj-9	182	62	jhs	jhs	NOUN
abrj-9	182	63	111	111	NUM
abrj-9	182	64	29.1	29.1	NUM
abrj-9	182	65	shs	shs	NOUN
abrj-9	182	66	104	104	NUM
abrj-9	182	67	27.2	27.2	NUM
abrj-9	182	68	diploma	diploma	NOUN
abrj-9	182	69	6	6	NUM
abrj-9	182	70	1.6	1.6	NUM
abrj-9	182	71	hnd	hnd	NOUN
abrj-9	182	72	47	47	NUM
abrj-9	182	73	12.3	12.3	NUM
abrj-9	182	74	first	first	ADJ
abrj-9	182	75	degree	degree	NOUN
abrj-9	182	76	43	43	NUM
abrj-9	182	77	11.3	11.3	NUM
abrj-9	182	78	postgraduate	postgraduate	NOUN
abrj-9	182	79	12	12	NUM
abrj-9	182	80	3.1	3.1	NUM
abrj-9	182	81	total	total	NOUN
abrj-9	182	82	382	382	NUM
abrj-9	182	83	100.0	100.0	NUM
abrj-9	182	84	experience	experience	NOUN
abrj-9	182	85	with	with	ADP
abrj-9	182	86	the	the	DET
abrj-9	182	87	bank	bank	NOUN
abrj-9	182	88	(	(	PUNCT
abrj-9	182	89	years	year	NOUN
abrj-9	182	90	)	)	PUNCT
abrj-9	182	91	below	below	ADP
abrj-9	182	92	1	1	NUM
abrj-9	182	93	year	year	NOUN
abrj-9	182	94	36	36	NUM
abrj-9	182	95	9.4	9.4	NUM
abrj-9	182	96	1	1	NUM
abrj-9	182	97	-	-	SYM
abrj-9	182	98	5	5	NUM
abrj-9	182	99	142	142	NUM
abrj-9	182	100	37.2	37.2	NUM
abrj-9	182	101	6	6	NUM
abrj-9	182	102	-	-	SYM
abrj-9	182	103	10	10	NUM
abrj-9	182	104	74	74	NUM
abrj-9	182	105	19.4	19.4	NUM
abrj-9	182	106	above	above	ADP
abrj-9	182	107	11	11	NUM
abrj-9	182	108	130	130	NUM
abrj-9	182	109	34.0	34.0	NUM
abrj-9	182	110	total	total	NOUN
abrj-9	182	111	382	382	NUM
abrj-9	182	112	100.0	100.0	NUM
abrj-9	182	113	type	type	NOUN
abrj-9	182	114	of	of	ADP
abrj-9	182	115	account	account	NOUN
abrj-9	182	116	current	current	ADJ
abrj-9	182	117	60	60	NUM
abrj-9	182	118	15.7	15.7	NUM
abrj-9	182	119	savings	saving	NOUN
abrj-9	182	120	175	175	NUM
abrj-9	182	121	45.8	45.8	NUM
abrj-9	182	122	loan	loan	NOUN
abrj-9	182	123	54	54	NUM
abrj-9	182	124	14.2	14.2	NUM
abrj-9	182	125	salary	salary	NOUN
abrj-9	182	126	93	93	NUM
abrj-9	182	127	24.3	24.3	NUM
abrj-9	182	128	total	total	NOUN
abrj-9	182	129	382	382	NUM
abrj-9	182	130	100.0	100.0	NUM
abrj-9	182	131	source	source	NOUN
abrj-9	182	132	:	:	PUNCT
abrj-9	182	133	primary	primary	ADJ
abrj-9	182	134	data	datum	NOUN
abrj-9	182	135	,	,	PUNCT
abrj-9	182	136	2018	2018	NUM
abrj-9	182	137	4.2	4.2	NUM
abrj-9	182	138	.	.	PUNCT
abrj-9	183	1	level	level	NOUN
abrj-9	183	2	of	of	ADP
abrj-9	183	3	perceived	perceive	VERB
abrj-9	183	4	service	service	NOUN
abrj-9	183	5	quality	quality	NOUN
abrj-9	183	6	delivery	delivery	NOUN
abrj-9	183	7	the	the	DET
abrj-9	183	8	objective	objective	NOUN
abrj-9	183	9	of	of	ADP
abrj-9	183	10	this	this	DET
abrj-9	183	11	study	study	NOUN
abrj-9	183	12	was	be	AUX
abrj-9	183	13	set	set	VERB
abrj-9	183	14	to	to	PART
abrj-9	183	15	determine	determine	VERB
abrj-9	183	16	the	the	DET
abrj-9	183	17	level	level	NOUN
abrj-9	183	18	of	of	ADP
abrj-9	183	19	perceived	perceive	VERB
abrj-9	183	20	service	service	NOUN
abrj-9	183	21	quality	quality	NOUN
abrj-9	183	22	delivery	delivery	NOUN
abrj-9	183	23	in	in	ADP
abrj-9	183	24	rural	rural	ADJ
abrj-9	183	25	banks	bank	NOUN
abrj-9	183	26	in	in	ADP
abrj-9	183	27	takoradi	takoradi	NOUN
abrj-9	183	28	,	,	PUNCT
abrj-9	183	29	western	western	ADJ
abrj-9	183	30	region	region	NOUN
abrj-9	183	31	,	,	PUNCT
abrj-9	183	32	ghana	ghana	PROPN
abrj-9	183	33	.	.	PUNCT
abrj-9	184	1	service	service	NOUN
abrj-9	184	2	quality	quality	NOUN
abrj-9	184	3	delivery	delivery	NOUN
abrj-9	184	4	was	be	AUX
abrj-9	184	5	measured	measure	VERB
abrj-9	184	6	using	use	VERB
abrj-9	184	7	fifteen	fifteen	ADJ
abrj-9	184	8	quantitative	quantitative	ADJ
abrj-9	184	9	questions	question	NOUN
abrj-9	184	10	.	.	PUNCT
abrj-9	185	1	respondents	respondent	NOUN
abrj-9	185	2	were	be	AUX
abrj-9	185	3	required	require	VERB
abrj-9	185	4	to	to	PART
abrj-9	185	5	indicate	indicate	VERB
abrj-9	185	6	the	the	DET
abrj-9	185	7	extent	extent	NOUN
abrj-9	185	8	to	to	PART
abrj-9	185	9	which	which	PRON
abrj-9	185	10	they	they	PRON
abrj-9	185	11	agree	agree	VERB
abrj-9	185	12	with	with	ADP
abrj-9	185	13	each	each	DET
abrj-9	185	14	statement	statement	NOUN
abrj-9	185	15	by	by	ADP
abrj-9	185	16	indicating	indicate	VERB
abrj-9	185	17	the	the	DET
abrj-9	185	18	number	number	NOUN
abrj-9	185	19	that	that	PRON
abrj-9	185	20	best	good	ADJ
abrj-9	185	21	describes	describe	VERB
abrj-9	185	22	their	their	PRON
abrj-9	185	23	perception	perception	NOUN
abrj-9	185	24	.	.	PUNCT
abrj-9	186	1	all	all	DET
abrj-9	186	2	the	the	DET
abrj-9	186	3	fifteen	fifteen	ADJ
abrj-9	186	4	items	item	NOUN
abrj-9	186	5	on	on	ADP
abrj-9	186	6	service	service	NOUN
abrj-9	186	7	quality	quality	NOUN
abrj-9	186	8	delivery	delivery	NOUN
abrj-9	186	9	were	be	AUX
abrj-9	186	10	likert	likert	NOUN
abrj-9	186	11	scaled	scale	VERB
abrj-9	186	12	using	use	VERB
abrj-9	186	13	four	four	NUM
abrj-9	186	14	points	point	NOUN
abrj-9	186	15	ranging	range	VERB
abrj-9	186	16	between	between	ADP
abrj-9	186	17	1=	1=	NUM
abrj-9	186	18	least	least	ADJ
abrj-9	186	19	agreement	agreement	NOUN
abrj-9	186	20	and	and	CCONJ
abrj-9	186	21	4=	4=	NUM
abrj-9	186	22	highest	high	ADJ
abrj-9	186	23	agreement	agreement	NOUN
abrj-9	186	24	.	.	PUNCT
abrj-9	187	1	the	the	DET
abrj-9	187	2	responses	response	NOUN
abrj-9	187	3	were	be	AUX
abrj-9	187	4	analyzed	analyze	VERB
abrj-9	187	5	and	and	CCONJ
abrj-9	187	6	described	describe	VERB
abrj-9	187	7	using	use	VERB
abrj-9	187	8	means	mean	NOUN
abrj-9	187	9	and	and	CCONJ
abrj-9	187	10	standard	standard	ADJ
abrj-9	187	11	deviations	deviation	NOUN
abrj-9	187	12	as	as	SCONJ
abrj-9	187	13	summarized	summarize	VERB
abrj-9	187	14	in	in	ADP
abrj-9	187	15	table	table	NOUN
abrj-9	187	16	2	2	NUM
abrj-9	187	17	.	.	PUNCT
abrj-9	188	1	in	in	ADP
abrj-9	188	2	relation	relation	NOUN
abrj-9	188	3	to	to	ADP
abrj-9	188	4	the	the	DET
abrj-9	188	5	tangibility	tangibility	NOUN
abrj-9	188	6	dimension	dimension	NOUN
abrj-9	188	7	,	,	PUNCT
abrj-9	188	8	the	the	DET
abrj-9	188	9	results	result	NOUN
abrj-9	188	10	revealed	reveal	VERB
abrj-9	188	11	that	that	SCONJ
abrj-9	188	12	most	most	ADJ
abrj-9	188	13	of	of	ADP
abrj-9	188	14	the	the	DET
abrj-9	188	15	respondents	respondent	NOUN
abrj-9	188	16	expressed	express	VERB
abrj-9	188	17	high	high	ADJ
abrj-9	188	18	agreement	agreement	NOUN
abrj-9	188	19	on	on	ADP
abrj-9	188	20	whether	whether	SCONJ
abrj-9	188	21	employees	employee	NOUN
abrj-9	188	22	at	at	ADP
abrj-9	188	23	the	the	DET
abrj-9	188	24	rural	rural	ADJ
abrj-9	188	25	bank	bank	NOUN
abrj-9	188	26	are	be	AUX
abrj-9	188	27	neat	neat	ADJ
abrj-9	188	28	in	in	ADP
abrj-9	188	29	appearance	appearance	NOUN
abrj-9	188	30	(	(	PUNCT
abrj-9	188	31	mean	mean	NOUN
abrj-9	188	32	=	=	SYM
abrj-9	188	33	2.86	2.86	NUM
abrj-9	188	34	,	,	PUNCT
abrj-9	188	35	std	std	NOUN
abrj-9	188	36	=	=	NOUN
abrj-9	188	37	1.19	1.19	NUM
abrj-9	188	38	)	)	PUNCT
abrj-9	188	39	.	.	PUNCT
abrj-9	189	1	the	the	DET
abrj-9	189	2	results	result	NOUN
abrj-9	189	3	obtained	obtain	VERB
abrj-9	189	4	further	far	ADV
abrj-9	189	5	showed	show	VERB
abrj-9	189	6	that	that	SCONJ
abrj-9	189	7	the	the	DET
abrj-9	189	8	rural	rural	ADJ
abrj-9	189	9	banks	bank	NOUN
abrj-9	189	10	in	in	ADP
abrj-9	189	11	takoradi	takoradi	NOUN
abrj-9	189	12	have	have	VERB
abrj-9	189	13	modern	modern	ADJ
abrj-9	189	14	looking	look	VERB
abrj-9	189	15	equipment	equipment	NOUN
abrj-9	189	16	(	(	PUNCT
abrj-9	189	17	computers	computer	NOUN
abrj-9	189	18	,	,	PUNCT
abrj-9	189	19	fast	fast	ADJ
abrj-9	189	20	ict	ict	PROPN
abrj-9	189	21	facilities	facility	NOUN
abrj-9	189	22	etc	etc	X
abrj-9	189	23	.	.	PUNCT
abrj-9	189	24	)	)	PUNCT
abrj-9	190	1	(	(	PUNCT
abrj-9	190	2	mean	mean	NOUN
abrj-9	190	3	=	=	SYM
abrj-9	190	4	2.67	2.67	NUM
abrj-9	190	5	,	,	PUNCT
abrj-9	190	6	std	std	NOUN
abrj-9	190	7	=	=	NOUN
abrj-9	190	8	1.29	1.29	NUM
abrj-9	190	9	)	)	PUNCT
abrj-9	190	10	.	.	PUNCT
abrj-9	191	1	the	the	DET
abrj-9	191	2	respondents	respondent	NOUN
abrj-9	191	3	,	,	PUNCT
abrj-9	191	4	however	however	ADV
abrj-9	191	5	,	,	PUNCT
abrj-9	191	6	expressed	express	VERB
abrj-9	191	7	low	low	ADJ
abrj-9	191	8	agreement	agreement	NOUN
abrj-9	191	9	with	with	ADP
abrj-9	191	10	regard	regard	NOUN
abrj-9	191	11	to	to	ADP
abrj-9	191	12	asian	asian	ADJ
abrj-9	191	13	business	business	NOUN
abrj-9	191	14	research	research	NOUN
abrj-9	191	15	journal	journal	NOUN
abrj-9	191	16	,	,	PUNCT
abrj-9	191	17	2018	2018	NUM
abrj-9	191	18	,	,	PUNCT
abrj-9	191	19	3	3	NUM
abrj-9	191	20	:	:	SYM
abrj-9	191	21	33	33	NUM
abrj-9	191	22	-	-	SYM
abrj-9	191	23	40	40	NUM
abrj-9	191	24	38	38	NUM
abrj-9	191	25	©	©	PROPN
abrj-9	191	26	2018	2018	NUM
abrj-9	191	27	by	by	ADP
abrj-9	191	28	the	the	DET
abrj-9	191	29	authors	author	NOUN
abrj-9	191	30	;	;	PUNCT
abrj-9	191	31	licensee	licensee	NOUN
abrj-9	191	32	eastern	eastern	ADJ
abrj-9	191	33	centre	centre	NOUN
abrj-9	191	34	of	of	ADP
abrj-9	191	35	science	science	NOUN
abrj-9	191	36	and	and	CCONJ
abrj-9	191	37	education	education	NOUN
abrj-9	191	38	,	,	PUNCT
abrj-9	191	39	usa	usa	NOUN
abrj-9	191	40	whether	whether	SCONJ
abrj-9	191	41	materials	material	NOUN
abrj-9	191	42	and	and	CCONJ
abrj-9	191	43	equipment	equipment	NOUN
abrj-9	191	44	associated	associate	VERB
abrj-9	191	45	with	with	ADP
abrj-9	191	46	the	the	DET
abrj-9	191	47	service	service	NOUN
abrj-9	191	48	by	by	ADP
abrj-9	191	49	the	the	DET
abrj-9	191	50	bank	bank	NOUN
abrj-9	191	51	(	(	PUNCT
abrj-9	191	52	such	such	ADJ
abrj-9	191	53	as	as	ADP
abrj-9	191	54	atm	atm	NOUN
abrj-9	191	55	,	,	PUNCT
abrj-9	191	56	pamphlet	pamphlet	NOUN
abrj-9	191	57	or	or	CCONJ
abrj-9	191	58	bank	bank	NOUN
abrj-9	191	59	statements	statement	NOUN
abrj-9	191	60	)	)	PUNCT
abrj-9	191	61	are	be	AUX
abrj-9	191	62	visually	visually	ADV
abrj-9	191	63	appealing	appealing	ADJ
abrj-9	191	64	and	and	CCONJ
abrj-9	191	65	easy	easy	ADJ
abrj-9	191	66	to	to	PART
abrj-9	191	67	understand	understand	VERB
abrj-9	191	68	at	at	ADP
abrj-9	191	69	the	the	DET
abrj-9	191	70	bank	bank	NOUN
abrj-9	191	71	(	(	PUNCT
abrj-9	191	72	mean	mean	NOUN
abrj-9	191	73	=	=	SYM
abrj-9	191	74	1.81	1.81	NUM
abrj-9	191	75	,	,	PUNCT
abrj-9	191	76	std	std	NOUN
abrj-9	191	77	=	=	NOUN
abrj-9	191	78	1.02	1.02	NUM
abrj-9	191	79	)	)	PUNCT
abrj-9	191	80	.	.	PUNCT
abrj-9	192	1	with	with	ADP
abrj-9	192	2	respect	respect	NOUN
abrj-9	192	3	to	to	ADP
abrj-9	192	4	the	the	DET
abrj-9	192	5	reliability	reliability	NOUN
abrj-9	192	6	dimension	dimension	NOUN
abrj-9	192	7	,	,	PUNCT
abrj-9	192	8	the	the	DET
abrj-9	192	9	results	result	NOUN
abrj-9	192	10	showed	show	VERB
abrj-9	192	11	that	that	SCONJ
abrj-9	192	12	most	most	ADJ
abrj-9	192	13	respondents	respondent	NOUN
abrj-9	192	14	expressed	express	VERB
abrj-9	192	15	high	high	ADJ
abrj-9	192	16	level	level	NOUN
abrj-9	192	17	of	of	ADP
abrj-9	192	18	agreement	agreement	NOUN
abrj-9	192	19	on	on	ADP
abrj-9	192	20	whether	whether	SCONJ
abrj-9	192	21	customers	customer	NOUN
abrj-9	192	22	feel	feel	VERB
abrj-9	192	23	secure	secure	ADJ
abrj-9	192	24	in	in	ADP
abrj-9	192	25	transacting	transact	VERB
abrj-9	192	26	business	business	NOUN
abrj-9	192	27	with	with	ADP
abrj-9	192	28	the	the	DET
abrj-9	192	29	rural	rural	ADJ
abrj-9	192	30	banks	bank	NOUN
abrj-9	192	31	(	(	PUNCT
abrj-9	192	32	mean	mean	NOUN
abrj-9	192	33	=	=	SYM
abrj-9	192	34	2.95	2.95	NUM
abrj-9	192	35	,	,	PUNCT
abrj-9	192	36	std	std	NOUN
abrj-9	192	37	=	=	NOUN
abrj-9	192	38	1.28	1.28	NUM
abrj-9	192	39	)	)	PUNCT
abrj-9	192	40	.	.	PUNCT
abrj-9	193	1	another	another	DET
abrj-9	193	2	issue	issue	NOUN
abrj-9	193	3	on	on	ADP
abrj-9	193	4	whether	whether	SCONJ
abrj-9	193	5	or	or	CCONJ
abrj-9	193	6	not	not	PART
abrj-9	193	7	when	when	SCONJ
abrj-9	193	8	the	the	DET
abrj-9	193	9	rural	rural	ADJ
abrj-9	193	10	bank	bank	NOUN
abrj-9	193	11	fulfils	fulfil	VERB
abrj-9	193	12	their	their	PRON
abrj-9	193	13	promises	promise	NOUN
abrj-9	193	14	when	when	SCONJ
abrj-9	193	15	they	they	PRON
abrj-9	193	16	promise	promise	VERB
abrj-9	193	17	to	to	PART
abrj-9	193	18	do	do	VERB
abrj-9	193	19	something	something	PRON
abrj-9	193	20	by	by	ADP
abrj-9	193	21	a	a	DET
abrj-9	193	22	certain	certain	ADJ
abrj-9	193	23	time	time	NOUN
abrj-9	193	24	,	,	PUNCT
abrj-9	193	25	attracted	attract	VERB
abrj-9	193	26	high	high	ADJ
abrj-9	193	27	levels	level	NOUN
abrj-9	193	28	of	of	ADP
abrj-9	193	29	agreement	agreement	NOUN
abrj-9	193	30	on	on	ADP
abrj-9	193	31	the	the	DET
abrj-9	193	32	part	part	NOUN
abrj-9	193	33	of	of	ADP
abrj-9	193	34	the	the	DET
abrj-9	193	35	respondents	respondent	NOUN
abrj-9	193	36	(	(	PUNCT
abrj-9	193	37	mean	mean	NOUN
abrj-9	193	38	=	=	SYM
abrj-9	193	39	2.71	2.71	NUM
abrj-9	193	40	,	,	PUNCT
abrj-9	193	41	std	std	NOUN
abrj-9	193	42	=	=	NOUN
abrj-9	193	43	1.23	1.23	NUM
abrj-9	193	44	)	)	PUNCT
abrj-9	193	45	.	.	PUNCT
abrj-9	194	1	most	most	ADJ
abrj-9	194	2	respondents	respondent	NOUN
abrj-9	194	3	highly	highly	ADV
abrj-9	194	4	agreed	agree	VERB
abrj-9	194	5	that	that	SCONJ
abrj-9	194	6	the	the	DET
abrj-9	194	7	rural	rural	ADJ
abrj-9	194	8	banks	bank	NOUN
abrj-9	194	9	perform	perform	VERB
abrj-9	194	10	services	service	NOUN
abrj-9	194	11	right	right	ADV
abrj-9	194	12	at	at	ADP
abrj-9	194	13	the	the	DET
abrj-9	194	14	very	very	ADV
abrj-9	194	15	first	first	ADJ
abrj-9	194	16	instance	instance	NOUN
abrj-9	194	17	(	(	PUNCT
abrj-9	194	18	mean	mean	NOUN
abrj-9	194	19	=	=	SYM
abrj-9	194	20	2.64	2.64	NUM
abrj-9	194	21	,	,	PUNCT
abrj-9	194	22	std	std	NOUN
abrj-9	194	23	=	=	NOUN
abrj-9	194	24	1.31	1.31	NUM
abrj-9	194	25	)	)	PUNCT
abrj-9	194	26	.	.	PUNCT
abrj-9	195	1	on	on	ADP
abrj-9	195	2	the	the	DET
abrj-9	195	3	responsiveness	responsiveness	NOUN
abrj-9	195	4	dimension	dimension	NOUN
abrj-9	195	5	of	of	ADP
abrj-9	195	6	service	service	NOUN
abrj-9	195	7	quality	quality	NOUN
abrj-9	195	8	delivery	delivery	NOUN
abrj-9	195	9	,	,	PUNCT
abrj-9	195	10	the	the	DET
abrj-9	195	11	findings	finding	NOUN
abrj-9	195	12	revealed	reveal	VERB
abrj-9	195	13	that	that	SCONJ
abrj-9	195	14	most	most	ADJ
abrj-9	195	15	respondents	respondent	NOUN
abrj-9	195	16	expressed	express	VERB
abrj-9	195	17	very	very	ADV
abrj-9	195	18	high	high	ADJ
abrj-9	195	19	agreement	agreement	NOUN
abrj-9	195	20	on	on	ADP
abrj-9	195	21	the	the	DET
abrj-9	195	22	item	item	NOUN
abrj-9	195	23	that	that	PRON
abrj-9	195	24	employees	employee	NOUN
abrj-9	195	25	of	of	ADP
abrj-9	195	26	the	the	DET
abrj-9	195	27	rural	rural	ADJ
abrj-9	195	28	banks	bank	NOUN
abrj-9	195	29	are	be	AUX
abrj-9	195	30	always	always	ADV
abrj-9	195	31	willing	willing	ADJ
abrj-9	195	32	to	to	PART
abrj-9	195	33	help	help	VERB
abrj-9	195	34	customers	customer	NOUN
abrj-9	195	35	when	when	SCONJ
abrj-9	195	36	they	they	PRON
abrj-9	195	37	face	face	VERB
abrj-9	195	38	any	any	DET
abrj-9	195	39	kind	kind	NOUN
abrj-9	195	40	of	of	ADP
abrj-9	195	41	challenge	challenge	NOUN
abrj-9	195	42	(	(	PUNCT
abrj-9	195	43	mean	mean	NOUN
abrj-9	195	44	=	=	SYM
abrj-9	195	45	3.57	3.57	NUM
abrj-9	195	46	,	,	PUNCT
abrj-9	195	47	std	std	NOUN
abrj-9	195	48	=	=	NOUN
abrj-9	195	49	0.75	0.75	NUM
abrj-9	195	50	)	)	PUNCT
abrj-9	195	51	.	.	PUNCT
abrj-9	196	1	the	the	DET
abrj-9	196	2	results	result	NOUN
abrj-9	196	3	further	far	ADV
abrj-9	196	4	showed	show	VERB
abrj-9	196	5	that	that	SCONJ
abrj-9	196	6	respondents	respondent	NOUN
abrj-9	196	7	expressed	express	VERB
abrj-9	196	8	very	very	ADV
abrj-9	196	9	high	high	ADJ
abrj-9	196	10	agreement	agreement	NOUN
abrj-9	196	11	on	on	ADP
abrj-9	196	12	the	the	DET
abrj-9	196	13	issue	issue	NOUN
abrj-9	196	14	that	that	SCONJ
abrj-9	196	15	employees	employee	NOUN
abrj-9	196	16	keep	keep	VERB
abrj-9	196	17	customers	customer	NOUN
abrj-9	196	18	informed	inform	VERB
abrj-9	196	19	as	as	ADP
abrj-9	196	20	to	to	ADP
abrj-9	196	21	when	when	SCONJ
abrj-9	196	22	a	a	DET
abrj-9	196	23	service	service	NOUN
abrj-9	196	24	would	would	AUX
abrj-9	196	25	be	be	AUX
abrj-9	196	26	performed	perform	VERB
abrj-9	196	27	(	(	PUNCT
abrj-9	196	28	mean	mean	NOUN
abrj-9	196	29	=	=	SYM
abrj-9	196	30	3.53	3.53	NUM
abrj-9	196	31	,	,	PUNCT
abrj-9	196	32	std	std	NOUN
abrj-9	196	33	=	=	NOUN
abrj-9	196	34	0.69	0.69	NUM
abrj-9	196	35	)	)	PUNCT
abrj-9	196	36	.	.	PUNCT
abrj-9	197	1	respondents	respondent	NOUN
abrj-9	197	2	again	again	ADV
abrj-9	197	3	expressed	express	VERB
abrj-9	197	4	very	very	ADV
abrj-9	197	5	high	high	ADJ
abrj-9	197	6	levels	level	NOUN
abrj-9	197	7	of	of	ADP
abrj-9	197	8	agreement	agreement	NOUN
abrj-9	197	9	on	on	ADP
abrj-9	197	10	the	the	DET
abrj-9	197	11	issue	issue	NOUN
abrj-9	197	12	that	that	SCONJ
abrj-9	197	13	employees	employee	NOUN
abrj-9	197	14	at	at	ADP
abrj-9	197	15	the	the	DET
abrj-9	197	16	rural	rural	ADJ
abrj-9	197	17	bank	bank	NOUN
abrj-9	197	18	give	give	VERB
abrj-9	197	19	customers	customer	NOUN
abrj-9	197	20	immediate	immediate	ADJ
abrj-9	197	21	service	service	NOUN
abrj-9	197	22	when	when	SCONJ
abrj-9	197	23	customers	customer	NOUN
abrj-9	197	24	visit	visit	VERB
abrj-9	197	25	the	the	DET
abrj-9	197	26	rural	rural	ADJ
abrj-9	197	27	bank	bank	NOUN
abrj-9	197	28	(	(	PUNCT
abrj-9	197	29	mean	mean	NOUN
abrj-9	197	30	=	=	SYM
abrj-9	197	31	3.39	3.39	NUM
abrj-9	197	32	,	,	PUNCT
abrj-9	197	33	std	std	NOUN
abrj-9	197	34	=	=	NOUN
abrj-9	197	35	0.94	0.94	NUM
abrj-9	197	36	)	)	PUNCT
abrj-9	197	37	.	.	PUNCT
abrj-9	198	1	in	in	ADP
abrj-9	198	2	relation	relation	NOUN
abrj-9	198	3	on	on	ADP
abrj-9	198	4	the	the	DET
abrj-9	198	5	assurance	assurance	NOUN
abrj-9	198	6	dimension	dimension	NOUN
abrj-9	198	7	of	of	ADP
abrj-9	198	8	service	service	NOUN
abrj-9	198	9	quality	quality	NOUN
abrj-9	198	10	delivery	delivery	NOUN
abrj-9	198	11	,	,	PUNCT
abrj-9	198	12	the	the	DET
abrj-9	198	13	findings	finding	NOUN
abrj-9	198	14	reveal	reveal	VERB
abrj-9	198	15	that	that	SCONJ
abrj-9	198	16	employees	employee	NOUN
abrj-9	198	17	at	at	ADP
abrj-9	198	18	the	the	DET
abrj-9	198	19	rural	rural	ADJ
abrj-9	198	20	bank	bank	NOUN
abrj-9	198	21	make	make	VERB
abrj-9	198	22	customers	customer	NOUN
abrj-9	198	23	feel	feel	VERB
abrj-9	198	24	safe	safe	ADJ
abrj-9	198	25	in	in	ADP
abrj-9	198	26	their	their	PRON
abrj-9	198	27	transactions	transaction	NOUN
abrj-9	198	28	(	(	PUNCT
abrj-9	198	29	account	account	NOUN
abrj-9	198	30	maintenance	maintenance	NOUN
abrj-9	198	31	,	,	PUNCT
abrj-9	198	32	cash	cash	NOUN
abrj-9	198	33	transfer	transfer	NOUN
abrj-9	198	34	,	,	PUNCT
abrj-9	198	35	cash	cash	NOUN
abrj-9	198	36	withdrawal	withdrawal	NOUN
abrj-9	198	37	and	and	CCONJ
abrj-9	198	38	deposit	deposit	NOUN
abrj-9	198	39	)	)	PUNCT
abrj-9	198	40	(	(	PUNCT
abrj-9	198	41	mean	mean	NOUN
abrj-9	198	42	=	=	SYM
abrj-9	198	43	3.05	3.05	NUM
abrj-9	198	44	,	,	PUNCT
abrj-9	198	45	std	std	NOUN
abrj-9	198	46	=	=	NOUN
abrj-9	198	47	1.16	1.16	NUM
abrj-9	198	48	)	)	PUNCT
abrj-9	198	49	.	.	PUNCT
abrj-9	199	1	the	the	DET
abrj-9	199	2	respondents	respondent	NOUN
abrj-9	199	3	highly	highly	ADV
abrj-9	199	4	agreed	agree	VERB
abrj-9	199	5	that	that	SCONJ
abrj-9	199	6	most	most	ADJ
abrj-9	199	7	employees	employee	NOUN
abrj-9	199	8	of	of	ADP
abrj-9	199	9	the	the	DET
abrj-9	199	10	rural	rural	ADJ
abrj-9	199	11	bank	bank	NOUN
abrj-9	199	12	have	have	VERB
abrj-9	199	13	strong	strong	ADJ
abrj-9	199	14	knowledge	knowledge	NOUN
abrj-9	199	15	and	and	CCONJ
abrj-9	199	16	therefore	therefore	ADV
abrj-9	199	17	are	be	AUX
abrj-9	199	18	in	in	ADP
abrj-9	199	19	the	the	DET
abrj-9	199	20	position	position	NOUN
abrj-9	199	21	to	to	PART
abrj-9	199	22	answer	answer	VERB
abrj-9	199	23	customers	customer	NOUN
abrj-9	199	24	’	'	PUNCT
abrj-9	199	25	questions	question	NOUN
abrj-9	199	26	about	about	ADP
abrj-9	199	27	their	their	PRON
abrj-9	199	28	offers	offer	NOUN
abrj-9	199	29	and	and	CCONJ
abrj-9	199	30	operations	operation	NOUN
abrj-9	199	31	(	(	PUNCT
abrj-9	199	32	mean	mean	NOUN
abrj-9	199	33	=	=	SYM
abrj-9	199	34	2.81	2.81	NUM
abrj-9	199	35	,	,	PUNCT
abrj-9	199	36	std	std	NOUN
abrj-9	199	37	=	=	NOUN
abrj-9	199	38	1.27	1.27	NUM
abrj-9	199	39	)	)	PUNCT
abrj-9	199	40	.	.	PUNCT
abrj-9	200	1	respondents	respondent	NOUN
abrj-9	200	2	highly	highly	ADV
abrj-9	200	3	agreed	agree	VERB
abrj-9	200	4	that	that	SCONJ
abrj-9	200	5	at	at	ADP
abrj-9	200	6	any	any	DET
abrj-9	200	7	material	material	NOUN
abrj-9	200	8	time	time	NOUN
abrj-9	200	9	employees	employee	NOUN
abrj-9	200	10	at	at	ADP
abrj-9	200	11	the	the	DET
abrj-9	200	12	bank	bank	NOUN
abrj-9	200	13	are	be	AUX
abrj-9	200	14	consistently	consistently	ADV
abrj-9	200	15	courteous	courteous	ADJ
abrj-9	200	16	to	to	ADP
abrj-9	200	17	customers	customer	NOUN
abrj-9	200	18	(	(	PUNCT
abrj-9	200	19	mean	mean	NOUN
abrj-9	200	20	=	=	SYM
abrj-9	200	21	2.76	2.76	NUM
abrj-9	200	22	,	,	PUNCT
abrj-9	200	23	std	std	NOUN
abrj-9	200	24	=	=	NOUN
abrj-9	200	25	1.33	1.33	NUM
abrj-9	200	26	)	)	PUNCT
abrj-9	200	27	.	.	PUNCT
abrj-9	201	1	table-2	table-2	NUM
abrj-9	201	2	.	.	PUNCT
abrj-9	201	3	description	description	NOUN
abrj-9	201	4	of	of	ADP
abrj-9	201	5	the	the	DET
abrj-9	201	6	level	level	NOUN
abrj-9	201	7	of	of	ADP
abrj-9	201	8	service	service	NOUN
abrj-9	201	9	quality	quality	NOUN
abrj-9	201	10	delivery	delivery	NOUN
abrj-9	201	11	mean	mean	NOUN
abrj-9	201	12	std	std	PROPN
abrj-9	201	13	.	.	PROPN
abrj-9	202	1	dev	dev	PROPN
abrj-9	202	2	.	.	PUNCT
abrj-9	203	1	interpretation	interpretation	PROPN
abrj-9	203	2	tangibility	tangibility	NOUN
abrj-9	203	3	employees	employee	NOUN
abrj-9	203	4	at	at	ADP
abrj-9	203	5	the	the	DET
abrj-9	203	6	bank	bank	NOUN
abrj-9	203	7	are	be	AUX
abrj-9	203	8	neat	neat	ADJ
abrj-9	203	9	in	in	ADP
abrj-9	203	10	appearance	appearance	NOUN
abrj-9	203	11	2.86	2.86	NUM
abrj-9	203	12	1.19	1.19	NUM
abrj-9	203	13	high	high	ADJ
abrj-9	203	14	the	the	DET
abrj-9	203	15	rural	rural	ADJ
abrj-9	203	16	bank	bank	NOUN
abrj-9	203	17	has	have	VERB
abrj-9	203	18	modern	modern	ADJ
abrj-9	203	19	looking	look	VERB
abrj-9	203	20	equipment	equipment	NOUN
abrj-9	203	21	(	(	PUNCT
abrj-9	203	22	computers	computer	NOUN
abrj-9	203	23	,	,	PUNCT
abrj-9	203	24	fast	fast	ADJ
abrj-9	203	25	ict	ict	PROPN
abrj-9	203	26	facilities	facility	NOUN
abrj-9	203	27	etc	etc	X
abrj-9	203	28	.	.	PUNCT
abrj-9	203	29	)	)	PUNCT
abrj-9	204	1	2.67	2.67	NUM
abrj-9	204	2	1.29	1.29	NUM
abrj-9	204	3	high	high	ADJ
abrj-9	204	4	materials	material	NOUN
abrj-9	204	5	and	and	CCONJ
abrj-9	204	6	equipment	equipment	NOUN
abrj-9	204	7	associated	associate	VERB
abrj-9	204	8	with	with	ADP
abrj-9	204	9	the	the	DET
abrj-9	204	10	service	service	NOUN
abrj-9	204	11	(	(	PUNCT
abrj-9	204	12	such	such	ADJ
abrj-9	204	13	as	as	ADP
abrj-9	204	14	atm	atm	PROPN
abrj-9	204	15	machines	machine	NOUN
abrj-9	204	16	,	,	PUNCT
abrj-9	204	17	pamphlet	pamphlet	NOUN
abrj-9	204	18	or	or	CCONJ
abrj-9	204	19	bank	bank	NOUN
abrj-9	204	20	statements	statement	NOUN
abrj-9	204	21	)	)	PUNCT
abrj-9	204	22	are	be	AUX
abrj-9	204	23	visually	visually	ADV
abrj-9	204	24	appealing	appealing	ADJ
abrj-9	204	25	and	and	CCONJ
abrj-9	204	26	easy	easy	ADJ
abrj-9	204	27	to	to	PART
abrj-9	204	28	understand	understand	VERB
abrj-9	204	29	at	at	ADP
abrj-9	204	30	the	the	DET
abrj-9	204	31	bank	bank	NOUN
abrj-9	204	32	1.81	1.81	NUM
abrj-9	204	33	1.02	1.02	NUM
abrj-9	204	34	low	low	ADJ
abrj-9	204	35	sub	sub	ADJ
abrj-9	204	36	-	-	ADJ
abrj-9	204	37	total	total	ADJ
abrj-9	204	38	2.45	2.45	NUM
abrj-9	204	39	low	low	ADJ
abrj-9	204	40	reliability	reliability	NOUN
abrj-9	204	41	customer	customer	NOUN
abrj-9	204	42	feels	feel	VERB
abrj-9	204	43	secure	secure	ADJ
abrj-9	204	44	in	in	ADP
abrj-9	204	45	transacting	transact	VERB
abrj-9	204	46	business	business	NOUN
abrj-9	204	47	with	with	ADP
abrj-9	204	48	the	the	DET
abrj-9	204	49	bank	bank	NOUN
abrj-9	204	50	2.95	2.95	NUM
abrj-9	204	51	1.28	1.28	NUM
abrj-9	204	52	high	high	ADJ
abrj-9	204	53	when	when	SCONJ
abrj-9	204	54	the	the	DET
abrj-9	204	55	bank	bank	NOUN
abrj-9	204	56	promises	promise	VERB
abrj-9	204	57	to	to	PART
abrj-9	204	58	do	do	VERB
abrj-9	204	59	something	something	PRON
abrj-9	204	60	by	by	ADP
abrj-9	204	61	a	a	DET
abrj-9	204	62	certain	certain	ADJ
abrj-9	204	63	time	time	NOUN
abrj-9	204	64	,	,	PUNCT
abrj-9	204	65	they	they	PRON
abrj-9	204	66	do	do	VERB
abrj-9	204	67	it	it	PRON
abrj-9	204	68	.	.	PUNCT
abrj-9	205	1	2.71	2.71	NUM
abrj-9	205	2	1.23	1.23	NUM
abrj-9	205	3	high	high	NOUN
abrj-9	205	4	the	the	DET
abrj-9	205	5	bank	bank	NOUN
abrj-9	205	6	performs	perform	VERB
abrj-9	205	7	services	service	NOUN
abrj-9	205	8	right	right	ADV
abrj-9	205	9	the	the	DET
abrj-9	205	10	first	first	ADJ
abrj-9	205	11	time	time	NOUN
abrj-9	205	12	.	.	PUNCT
abrj-9	206	1	2.64	2.64	NUM
abrj-9	206	2	1.31	1.31	NUM
abrj-9	206	3	high	high	ADJ
abrj-9	206	4	sub	sub	ADJ
abrj-9	206	5	-	-	ADJ
abrj-9	206	6	total	total	ADJ
abrj-9	206	7	2.77	2.77	NUM
abrj-9	206	8	high	high	ADJ
abrj-9	206	9	responsiveness	responsiveness	NOUN
abrj-9	206	10	employees	employee	NOUN
abrj-9	206	11	of	of	ADP
abrj-9	206	12	the	the	DET
abrj-9	206	13	bank	bank	NOUN
abrj-9	206	14	are	be	AUX
abrj-9	206	15	always	always	ADV
abrj-9	206	16	willing	willing	ADJ
abrj-9	206	17	to	to	PART
abrj-9	206	18	help	help	VERB
abrj-9	206	19	customers	customer	NOUN
abrj-9	206	20	when	when	SCONJ
abrj-9	206	21	they	they	PRON
abrj-9	206	22	face	face	VERB
abrj-9	206	23	any	any	DET
abrj-9	206	24	kind	kind	NOUN
abrj-9	206	25	of	of	ADP
abrj-9	206	26	challenge	challenge	NOUN
abrj-9	206	27	.	.	PUNCT
abrj-9	207	1	3.57	3.57	NUM
abrj-9	207	2	0.75	0.75	NUM
abrj-9	207	3	very	very	ADV
abrj-9	207	4	high	high	ADJ
abrj-9	207	5	employees	employee	NOUN
abrj-9	207	6	keep	keep	VERB
abrj-9	207	7	customers	customer	NOUN
abrj-9	207	8	informed	inform	VERB
abrj-9	207	9	as	as	ADP
abrj-9	207	10	to	to	ADP
abrj-9	207	11	when	when	SCONJ
abrj-9	207	12	service	service	NOUN
abrj-9	207	13	will	will	AUX
abrj-9	207	14	be	be	AUX
abrj-9	207	15	performed	perform	VERB
abrj-9	207	16	.	.	PUNCT
abrj-9	208	1	3.53	3.53	NUM
abrj-9	208	2	0.69	0.69	NUM
abrj-9	208	3	very	very	ADV
abrj-9	208	4	high	high	ADJ
abrj-9	208	5	employees	employee	NOUN
abrj-9	208	6	at	at	ADP
abrj-9	208	7	the	the	DET
abrj-9	208	8	bank	bank	NOUN
abrj-9	208	9	give	give	VERB
abrj-9	208	10	customers	customer	NOUN
abrj-9	208	11	immediate	immediate	ADJ
abrj-9	208	12	service	service	NOUN
abrj-9	208	13	when	when	SCONJ
abrj-9	208	14	they	they	PRON
abrj-9	208	15	go	go	VERB
abrj-9	208	16	to	to	ADP
abrj-9	208	17	the	the	DET
abrj-9	208	18	bank	bank	NOUN
abrj-9	208	19	.	.	PUNCT
abrj-9	209	1	3.39	3.39	NUM
abrj-9	209	2	0.94	0.94	NUM
abrj-9	209	3	very	very	ADV
abrj-9	209	4	high	high	ADJ
abrj-9	209	5	sub	sub	ADJ
abrj-9	209	6	-	-	ADJ
abrj-9	209	7	total	total	ADJ
abrj-9	209	8	3.49	3.49	NUM
abrj-9	209	9	very	very	ADV
abrj-9	209	10	high	high	ADJ
abrj-9	209	11	assurance	assurance	NOUN
abrj-9	209	12	employees	employee	NOUN
abrj-9	209	13	at	at	ADP
abrj-9	209	14	the	the	DET
abrj-9	209	15	bank	bank	NOUN
abrj-9	209	16	make	make	VERB
abrj-9	209	17	customers	customer	NOUN
abrj-9	209	18	feel	feel	VERB
abrj-9	209	19	safe	safe	ADJ
abrj-9	209	20	in	in	ADP
abrj-9	209	21	their	their	PRON
abrj-9	209	22	transactions	transaction	NOUN
abrj-9	209	23	(	(	PUNCT
abrj-9	209	24	account	account	NOUN
abrj-9	209	25	maintenance	maintenance	NOUN
abrj-9	209	26	,	,	PUNCT
abrj-9	209	27	cash	cash	NOUN
abrj-9	209	28	transfer	transfer	NOUN
abrj-9	209	29	,	,	PUNCT
abrj-9	209	30	cash	cash	NOUN
abrj-9	209	31	withdrawal	withdrawal	NOUN
abrj-9	209	32	and	and	CCONJ
abrj-9	209	33	deposit	deposit	NOUN
abrj-9	209	34	)	)	PUNCT
abrj-9	209	35	3.05	3.05	NUM
abrj-9	209	36	1.16	1.16	NUM
abrj-9	209	37	high	high	ADJ
abrj-9	209	38	most	most	ADJ
abrj-9	209	39	employees	employee	NOUN
abrj-9	209	40	of	of	ADP
abrj-9	209	41	the	the	DET
abrj-9	209	42	bank	bank	NOUN
abrj-9	209	43	have	have	VERB
abrj-9	209	44	strong	strong	ADJ
abrj-9	209	45	knowledge	knowledge	NOUN
abrj-9	209	46	to	to	PART
abrj-9	209	47	answer	answer	VERB
abrj-9	209	48	customers	customer	NOUN
abrj-9	209	49	’	'	PUNCT
abrj-9	209	50	questions	question	NOUN
abrj-9	209	51	about	about	ADP
abrj-9	209	52	their	their	PRON
abrj-9	209	53	offers	offer	NOUN
abrj-9	209	54	and	and	CCONJ
abrj-9	209	55	operations	operation	NOUN
abrj-9	209	56	2.81	2.81	NUM
abrj-9	209	57	1.27	1.27	NUM
abrj-9	209	58	high	high	ADJ
abrj-9	209	59	at	at	ADP
abrj-9	209	60	any	any	DET
abrj-9	209	61	material	material	NOUN
abrj-9	209	62	time	time	NOUN
abrj-9	209	63	employees	employee	NOUN
abrj-9	209	64	at	at	ADP
abrj-9	209	65	the	the	DET
abrj-9	209	66	bank	bank	NOUN
abrj-9	209	67	are	be	AUX
abrj-9	209	68	consistently	consistently	ADV
abrj-9	209	69	courteous	courteous	ADJ
abrj-9	209	70	to	to	ADP
abrj-9	209	71	customers	customer	NOUN
abrj-9	209	72	.	.	PUNCT
abrj-9	210	1	2.76	2.76	NUM
abrj-9	210	2	1.33	1.33	NUM
abrj-9	210	3	high	high	ADJ
abrj-9	210	4	sub	sub	ADJ
abrj-9	210	5	-	-	ADJ
abrj-9	210	6	total	total	ADJ
abrj-9	210	7	2.87	2.87	NUM
abrj-9	210	8	high	high	ADJ
abrj-9	210	9	empathy	empathy	NOUN
abrj-9	210	10	whenever	whenever	SCONJ
abrj-9	210	11	customers	customer	NOUN
abrj-9	210	12	request	request	VERB
abrj-9	210	13	for	for	ADP
abrj-9	210	14	service	service	NOUN
abrj-9	210	15	,	,	PUNCT
abrj-9	210	16	employees	employee	NOUN
abrj-9	210	17	at	at	ADP
abrj-9	210	18	the	the	DET
abrj-9	210	19	bank	bank	NOUN
abrj-9	210	20	give	give	VERB
abrj-9	210	21	customer	customer	NOUN
abrj-9	210	22	full	full	ADJ
abrj-9	210	23	attention	attention	NOUN
abrj-9	210	24	2.95	2.95	NUM
abrj-9	210	25	1.30	1.30	NUM
abrj-9	210	26	high	high	ADV
abrj-9	210	27	the	the	DET
abrj-9	210	28	bank	bank	NOUN
abrj-9	210	29	always	always	ADV
abrj-9	210	30	informs	inform	VERB
abrj-9	210	31	customers	customer	NOUN
abrj-9	210	32	about	about	ADP
abrj-9	210	33	new	new	ADJ
abrj-9	210	34	and	and	CCONJ
abrj-9	210	35	attractive	attractive	ADJ
abrj-9	210	36	schemes	scheme	NOUN
abrj-9	210	37	and	and	CCONJ
abrj-9	210	38	always	always	ADV
abrj-9	210	39	suggests	suggest	VERB
abrj-9	210	40	to	to	ADP
abrj-9	210	41	them	they	PRON
abrj-9	210	42	to	to	PART
abrj-9	210	43	take	take	VERB
abrj-9	210	44	correct	correct	ADJ
abrj-9	210	45	decisions	decision	NOUN
abrj-9	210	46	2.88	2.88	NUM
abrj-9	210	47	1.12	1.12	NUM
abrj-9	210	48	high	high	ADV
abrj-9	210	49	the	the	DET
abrj-9	210	50	bank	bank	NOUN
abrj-9	210	51	has	have	VERB
abrj-9	210	52	convenient	convenient	ADJ
abrj-9	210	53	branches	branch	NOUN
abrj-9	210	54	(	(	PUNCT
abrj-9	210	55	sub	sub	NOUN
abrj-9	210	56	branches	branch	NOUN
abrj-9	210	57	,	,	PUNCT
abrj-9	210	58	outlets	outlet	NOUN
abrj-9	210	59	)	)	PUNCT
abrj-9	210	60	and	and	CCONJ
abrj-9	210	61	operates	operate	VERB
abrj-9	210	62	in	in	ADP
abrj-9	210	63	extended	extended	ADJ
abrj-9	210	64	hours	hour	NOUN
abrj-9	210	65	to	to	ADP
abrj-9	210	66	all	all	DET
abrj-9	210	67	its	its	PRON
abrj-9	210	68	customers	customer	NOUN
abrj-9	210	69	without	without	ADP
abrj-9	210	70	spending	spend	VERB
abrj-9	210	71	much	much	ADJ
abrj-9	210	72	time	time	NOUN
abrj-9	210	73	on	on	ADP
abrj-9	210	74	queues	queue	NOUN
abrj-9	210	75	2.34	2.34	NUM
abrj-9	210	76	1.26	1.26	NUM
abrj-9	210	77	low	low	ADJ
abrj-9	210	78	sub	sub	ADJ
abrj-9	210	79	-	-	ADJ
abrj-9	210	80	total	total	ADJ
abrj-9	210	81	2.72	2.72	NUM
abrj-9	210	82	high	high	ADJ
abrj-9	210	83	overall	overall	ADJ
abrj-9	210	84	total	total	ADJ
abrj-9	210	85	2.86	2.86	NUM
abrj-9	210	86	high	high	ADJ
abrj-9	210	87	source	source	NOUN
abrj-9	210	88	:	:	PUNCT
abrj-9	210	89	primary	primary	ADJ
abrj-9	210	90	data	datum	NOUN
abrj-9	210	91	,	,	PUNCT
abrj-9	210	92	2018	2018	NUM
abrj-9	210	93	key	key	NOUN
abrj-9	210	94	:	:	PUNCT
abrj-9	210	95	mean	mean	ADJ
abrj-9	210	96	range	range	NOUN
abrj-9	210	97	interpretation	interpretation	NOUN
abrj-9	210	98	on	on	ADP
abrj-9	210	99	the	the	DET
abrj-9	210	100	level	level	NOUN
abrj-9	210	101	of	of	ADP
abrj-9	210	102	service	service	NOUN
abrj-9	210	103	quality	quality	NOUN
abrj-9	210	104	delivery	delivery	NOUN
abrj-9	210	105	3.26	3.26	NUM
abrj-9	210	106	–	–	PUNCT
abrj-9	210	107	4.00	4.00	NUM
abrj-9	210	108	very	very	ADV
abrj-9	210	109	high	high	ADJ
abrj-9	210	110	level	level	NOUN
abrj-9	210	111	;	;	PUNCT
abrj-9	210	112	2.51	2.51	NUM
abrj-9	210	113	–	–	SYM
abrj-9	210	114	3.25	3.25	NUM
abrj-9	210	115	high	high	ADJ
abrj-9	210	116	level	level	NOUN
abrj-9	210	117	;	;	PUNCT
abrj-9	210	118	1.76	1.76	NUM
abrj-9	210	119	–	–	PUNCT
abrj-9	210	120	2.50	2.50	NUM
abrj-9	210	121	low	low	ADJ
abrj-9	210	122	level	level	NOUN
abrj-9	210	123	;	;	PUNCT
abrj-9	210	124	1.00	1.00	NUM
abrj-9	210	125	–	–	PUNCT
abrj-9	210	126	1.75	1.75	NUM
abrj-9	210	127	very	very	ADV
abrj-9	210	128	low	low	ADJ
abrj-9	210	129	level	level	NOUN
abrj-9	210	130	asian	asian	ADJ
abrj-9	210	131	business	business	NOUN
abrj-9	210	132	research	research	NOUN
abrj-9	210	133	journal	journal	NOUN
abrj-9	210	134	,	,	PUNCT
abrj-9	210	135	2018	2018	NUM
abrj-9	210	136	,	,	PUNCT
abrj-9	210	137	3	3	NUM
abrj-9	210	138	:	:	SYM
abrj-9	210	139	33	33	NUM
abrj-9	210	140	-	-	SYM
abrj-9	210	141	40	40	NUM
abrj-9	210	142	39	39	NUM
abrj-9	210	143	©	©	PROPN
abrj-9	210	144	2018	2018	NUM
abrj-9	210	145	by	by	ADP
abrj-9	210	146	the	the	DET
abrj-9	210	147	authors	author	NOUN
abrj-9	210	148	;	;	PUNCT
abrj-9	210	149	licensee	licensee	NOUN
abrj-9	210	150	eastern	eastern	ADJ
abrj-9	210	151	centre	centre	NOUN
abrj-9	210	152	of	of	ADP
abrj-9	210	153	science	science	NOUN
abrj-9	210	154	and	and	CCONJ
abrj-9	210	155	education	education	NOUN
abrj-9	210	156	,	,	PUNCT
abrj-9	210	157	usa	usa	PROPN
abrj-9	210	158	the	the	DET
abrj-9	210	159	results	result	NOUN
abrj-9	210	160	on	on	ADP
abrj-9	210	161	the	the	DET
abrj-9	210	162	empathy	empathy	ADJ
abrj-9	210	163	dimension	dimension	NOUN
abrj-9	210	164	of	of	ADP
abrj-9	210	165	service	service	NOUN
abrj-9	210	166	quality	quality	NOUN
abrj-9	210	167	delivery	delivery	NOUN
abrj-9	210	168	revealed	reveal	VERB
abrj-9	210	169	that	that	SCONJ
abrj-9	210	170	most	most	ADJ
abrj-9	210	171	respondents	respondent	NOUN
abrj-9	210	172	highly	highly	ADV
abrj-9	210	173	affirmed	affirm	VERB
abrj-9	210	174	that	that	SCONJ
abrj-9	210	175	whenever	whenever	SCONJ
abrj-9	210	176	customers	customer	NOUN
abrj-9	210	177	request	request	VERB
abrj-9	210	178	for	for	ADP
abrj-9	210	179	service	service	NOUN
abrj-9	210	180	,	,	PUNCT
abrj-9	210	181	employees	employee	NOUN
abrj-9	210	182	at	at	ADP
abrj-9	210	183	the	the	DET
abrj-9	210	184	rural	rural	ADJ
abrj-9	210	185	bank	bank	NOUN
abrj-9	210	186	give	give	VERB
abrj-9	210	187	customer	customer	NOUN
abrj-9	210	188	full	full	ADJ
abrj-9	210	189	attention	attention	NOUN
abrj-9	210	190	(	(	PUNCT
abrj-9	210	191	mean	mean	NOUN
abrj-9	210	192	=	=	SYM
abrj-9	210	193	2.95	2.95	NUM
abrj-9	210	194	,	,	PUNCT
abrj-9	210	195	std	std	NOUN
abrj-9	210	196	=	=	NOUN
abrj-9	210	197	1.30	1.30	NUM
abrj-9	210	198	)	)	PUNCT
abrj-9	210	199	.	.	PUNCT
abrj-9	211	1	the	the	DET
abrj-9	211	2	findings	finding	NOUN
abrj-9	211	3	further	far	ADV
abrj-9	211	4	showed	show	VERB
abrj-9	211	5	that	that	SCONJ
abrj-9	211	6	respondents	respondent	NOUN
abrj-9	211	7	highly	highly	ADV
abrj-9	211	8	agreed	agree	VERB
abrj-9	211	9	that	that	SCONJ
abrj-9	211	10	the	the	DET
abrj-9	211	11	rural	rural	ADJ
abrj-9	211	12	banks	bank	NOUN
abrj-9	211	13	always	always	ADV
abrj-9	211	14	inform	inform	VERB
abrj-9	211	15	customers	customer	NOUN
abrj-9	211	16	about	about	ADP
abrj-9	211	17	new	new	ADJ
abrj-9	211	18	and	and	CCONJ
abrj-9	211	19	attractive	attractive	ADJ
abrj-9	211	20	schemes	scheme	NOUN
abrj-9	211	21	and	and	CCONJ
abrj-9	211	22	thus	thus	ADV
abrj-9	211	23	suggest	suggest	VERB
abrj-9	211	24	to	to	ADP
abrj-9	211	25	customers	customer	NOUN
abrj-9	211	26	these	these	DET
abrj-9	211	27	new	new	ADJ
abrj-9	211	28	available	available	ADJ
abrj-9	211	29	offers	offer	NOUN
abrj-9	211	30	to	to	PART
abrj-9	211	31	enable	enable	VERB
abrj-9	211	32	the	the	DET
abrj-9	211	33	customers	customer	NOUN
abrj-9	211	34	make	make	VERB
abrj-9	211	35	informed	informed	ADJ
abrj-9	211	36	decisions	decision	NOUN
abrj-9	211	37	(	(	PUNCT
abrj-9	211	38	mean	mean	NOUN
abrj-9	211	39	=	=	SYM
abrj-9	211	40	2.88	2.88	NUM
abrj-9	211	41	,	,	PUNCT
abrj-9	211	42	std	std	NOUN
abrj-9	211	43	=	=	NOUN
abrj-9	211	44	1.12	1.12	NUM
abrj-9	211	45	)	)	PUNCT
abrj-9	211	46	.	.	PUNCT
abrj-9	212	1	respondents	respondent	NOUN
abrj-9	212	2	expressed	express	VERB
abrj-9	212	3	low	low	ADJ
abrj-9	212	4	level	level	NOUN
abrj-9	212	5	of	of	ADP
abrj-9	212	6	agreement	agreement	NOUN
abrj-9	212	7	relative	relative	ADJ
abrj-9	212	8	to	to	ADP
abrj-9	212	9	whether	whether	SCONJ
abrj-9	212	10	the	the	DET
abrj-9	212	11	banks	bank	NOUN
abrj-9	212	12	have	have	AUX
abrj-9	212	13	convenient	convenient	ADJ
abrj-9	212	14	branches	branch	NOUN
abrj-9	212	15	(	(	PUNCT
abrj-9	212	16	sub	sub	NOUN
abrj-9	212	17	branches	branch	NOUN
abrj-9	212	18	,	,	PUNCT
abrj-9	212	19	outlets	outlet	NOUN
abrj-9	212	20	)	)	PUNCT
abrj-9	212	21	and	and	CCONJ
abrj-9	212	22	operate	operate	VERB
abrj-9	212	23	extended	extended	ADJ
abrj-9	212	24	hours	hour	NOUN
abrj-9	212	25	to	to	ADP
abrj-9	212	26	its	its	PRON
abrj-9	212	27	customers	customer	NOUN
abrj-9	212	28	(	(	PUNCT
abrj-9	212	29	mean	mean	NOUN
abrj-9	212	30	=	=	SYM
abrj-9	212	31	2.34	2.34	NUM
abrj-9	212	32	,	,	PUNCT
abrj-9	212	33	std	std	NOUN
abrj-9	212	34	=	=	NOUN
abrj-9	212	35	1.26	1.26	NUM
abrj-9	212	36	)	)	PUNCT
abrj-9	212	37	.	.	PUNCT
abrj-9	213	1	5	5	X
abrj-9	213	2	.	.	X
abrj-9	213	3	conclusion	conclusion	NOUN
abrj-9	213	4	the	the	DET
abrj-9	213	5	results	result	NOUN
abrj-9	213	6	revealed	reveal	VERB
abrj-9	213	7	that	that	SCONJ
abrj-9	213	8	service	service	NOUN
abrj-9	213	9	quality	quality	NOUN
abrj-9	213	10	delivery	delivery	NOUN
abrj-9	213	11	in	in	ADP
abrj-9	213	12	rural	rural	ADJ
abrj-9	213	13	banks	bank	NOUN
abrj-9	213	14	at	at	ADP
abrj-9	213	15	takoradi	takoradi	NOUN
abrj-9	213	16	,	,	PUNCT
abrj-9	213	17	western	western	ADJ
abrj-9	213	18	region	region	NOUN
abrj-9	213	19	,	,	PUNCT
abrj-9	213	20	ghana	ghana	PROPN
abrj-9	213	21	exists	exist	VERB
abrj-9	213	22	at	at	ADP
abrj-9	213	23	different	different	ADJ
abrj-9	213	24	levels	level	NOUN
abrj-9	213	25	.	.	PUNCT
abrj-9	214	1	for	for	ADP
abrj-9	214	2	instance	instance	NOUN
abrj-9	214	3	,	,	PUNCT
abrj-9	214	4	the	the	DET
abrj-9	214	5	findings	finding	NOUN
abrj-9	214	6	portray	portray	VERB
abrj-9	214	7	only	only	ADV
abrj-9	214	8	one	one	NUM
abrj-9	214	9	dimension	dimension	NOUN
abrj-9	214	10	with	with	ADP
abrj-9	214	11	the	the	DET
abrj-9	214	12	highest	high	ADJ
abrj-9	214	13	(	(	PUNCT
abrj-9	214	14	very	very	ADV
abrj-9	214	15	high	high	ADJ
abrj-9	214	16	)	)	PUNCT
abrj-9	214	17	level	level	NOUN
abrj-9	214	18	of	of	ADP
abrj-9	214	19	service	service	NOUN
abrj-9	214	20	quality	quality	NOUN
abrj-9	214	21	delivery	delivery	NOUN
abrj-9	214	22	;	;	PUNCT
abrj-9	214	23	responsiveness	responsiveness	NOUN
abrj-9	214	24	at	at	ADP
abrj-9	214	25	(	(	PUNCT
abrj-9	214	26	mean=3.49	mean=3.49	NOUN
abrj-9	214	27	)	)	PUNCT
abrj-9	214	28	;	;	PUNCT
abrj-9	214	29	and	and	CCONJ
abrj-9	214	30	which	which	PRON
abrj-9	214	31	is	be	AUX
abrj-9	214	32	equivalent	equivalent	ADJ
abrj-9	214	33	to	to	ADP
abrj-9	214	34	very	very	ADV
abrj-9	214	35	high	high	ADJ
abrj-9	214	36	levels	level	NOUN
abrj-9	214	37	of	of	ADP
abrj-9	214	38	agreement	agreement	NOUN
abrj-9	214	39	on	on	ADP
abrj-9	214	40	the	the	DET
abrj-9	214	41	likert	likert	ADJ
abrj-9	214	42	scale	scale	NOUN
abrj-9	214	43	.	.	PUNCT
abrj-9	215	1	secondly	secondly	ADV
abrj-9	215	2	,	,	PUNCT
abrj-9	215	3	service	service	NOUN
abrj-9	215	4	quality	quality	NOUN
abrj-9	215	5	delivery	delivery	NOUN
abrj-9	215	6	which	which	PRON
abrj-9	215	7	corresponds	correspond	VERB
abrj-9	215	8	with	with	ADP
abrj-9	215	9	high	high	ADJ
abrj-9	215	10	levels	level	NOUN
abrj-9	215	11	of	of	ADP
abrj-9	215	12	agreement	agreement	NOUN
abrj-9	215	13	on	on	ADP
abrj-9	215	14	the	the	DET
abrj-9	215	15	likert	likert	ADJ
abrj-9	215	16	scale	scale	NOUN
abrj-9	215	17	were	be	AUX
abrj-9	215	18	assurance	assurance	NOUN
abrj-9	215	19	,	,	PUNCT
abrj-9	215	20	reliability	reliability	NOUN
abrj-9	215	21	and	and	CCONJ
abrj-9	215	22	empathy	empathy	NOUN
abrj-9	215	23	at	at	ADP
abrj-9	215	24	(	(	PUNCT
abrj-9	215	25	mean=2.87	mean=2.87	NOUN
abrj-9	215	26	,	,	PUNCT
abrj-9	215	27	2.77	2.77	NUM
abrj-9	215	28	and	and	CCONJ
abrj-9	215	29	2.72	2.72	NUM
abrj-9	215	30	)	)	PUNCT
abrj-9	215	31	respectively	respectively	ADV
abrj-9	215	32	.	.	PUNCT
abrj-9	216	1	however	however	ADV
abrj-9	216	2	,	,	PUNCT
abrj-9	216	3	the	the	DET
abrj-9	216	4	results	result	NOUN
abrj-9	216	5	also	also	ADV
abrj-9	216	6	showed	show	VERB
abrj-9	216	7	a	a	DET
abrj-9	216	8	low	low	ADJ
abrj-9	216	9	level	level	NOUN
abrj-9	216	10	of	of	ADP
abrj-9	216	11	service	service	NOUN
abrj-9	216	12	quality	quality	NOUN
abrj-9	216	13	delivery	delivery	NOUN
abrj-9	216	14	relative	relative	ADJ
abrj-9	216	15	to	to	ADP
abrj-9	216	16	tangibility	tangibility	NOUN
abrj-9	216	17	with	with	ADP
abrj-9	216	18	a	a	DET
abrj-9	216	19	mean	mean	ADJ
abrj-9	216	20	(	(	PUNCT
abrj-9	216	21	means=2.45	means=2.45	X
abrj-9	216	22	)	)	PUNCT
abrj-9	216	23	which	which	PRON
abrj-9	216	24	is	be	AUX
abrj-9	216	25	equivalent	equivalent	ADJ
abrj-9	216	26	to	to	ADP
abrj-9	216	27	low	low	ADJ
abrj-9	216	28	agreement	agreement	NOUN
abrj-9	216	29	on	on	ADP
abrj-9	216	30	the	the	DET
abrj-9	216	31	likert	likert	ADJ
abrj-9	216	32	scale	scale	NOUN
abrj-9	216	33	.	.	PUNCT
abrj-9	217	1	this	this	DET
abrj-9	217	2	study	study	NOUN
abrj-9	217	3	,	,	PUNCT
abrj-9	217	4	therefore	therefore	ADV
abrj-9	217	5	,	,	PUNCT
abrj-9	217	6	documents	document	NOUN
abrj-9	217	7	that	that	DET
abrj-9	217	8	responsiveness	responsiveness	NOUN
abrj-9	217	9	to	to	PART
abrj-9	217	10	service	service	NOUN
abrj-9	217	11	quality	quality	NOUN
abrj-9	217	12	delivery	delivery	NOUN
abrj-9	217	13	of	of	ADP
abrj-9	217	14	rural	rural	ADJ
abrj-9	217	15	banks	bank	NOUN
abrj-9	217	16	in	in	ADP
abrj-9	217	17	takoradi	takoradi	NOUN
abrj-9	217	18	,	,	PUNCT
abrj-9	217	19	ghana	ghana	PROPN
abrj-9	217	20	,	,	PUNCT
abrj-9	217	21	is	be	AUX
abrj-9	217	22	the	the	DET
abrj-9	217	23	most	most	ADV
abrj-9	217	24	dominant	dominant	ADJ
abrj-9	217	25	dimension	dimension	NOUN
abrj-9	217	26	in	in	ADP
abrj-9	217	27	the	the	DET
abrj-9	217	28	catchment	catchment	NOUN
abrj-9	217	29	area	area	NOUN
abrj-9	217	30	.	.	PUNCT
abrj-9	218	1	the	the	DET
abrj-9	218	2	least	least	ADJ
abrj-9	218	3	service	service	NOUN
abrj-9	218	4	quality	quality	NOUN
abrj-9	218	5	delivery	delivery	NOUN
abrj-9	218	6	dimension	dimension	NOUN
abrj-9	218	7	is	be	AUX
abrj-9	218	8	,	,	PUNCT
abrj-9	218	9	however	however	ADV
abrj-9	218	10	,	,	PUNCT
abrj-9	218	11	tangibility	tangibility	NOUN
abrj-9	218	12	.	.	PUNCT
abrj-9	219	1	6	6	X
abrj-9	219	2	.	.	X
abrj-9	219	3	recommendations	recommendation	NOUN
abrj-9	219	4	it	it	PRON
abrj-9	219	5	is	be	AUX
abrj-9	219	6	recommended	recommend	VERB
abrj-9	219	7	that	that	SCONJ
abrj-9	219	8	management	management	NOUN
abrj-9	219	9	of	of	ADP
abrj-9	219	10	the	the	DET
abrj-9	219	11	rural	rural	ADJ
abrj-9	219	12	banks	bank	NOUN
abrj-9	219	13	in	in	ADP
abrj-9	219	14	takoradi	takoradi	NOUN
abrj-9	219	15	,	,	PUNCT
abrj-9	219	16	western	western	ADJ
abrj-9	219	17	region	region	NOUN
abrj-9	219	18	should	should	AUX
abrj-9	219	19	liaise	liaise	VERB
abrj-9	219	20	with	with	ADP
abrj-9	219	21	stakeholders	stakeholder	NOUN
abrj-9	219	22	to	to	PART
abrj-9	219	23	put	put	VERB
abrj-9	219	24	up	up	ADP
abrj-9	219	25	more	more	ADJ
abrj-9	219	26	branches	branch	NOUN
abrj-9	219	27	in	in	ADP
abrj-9	219	28	their	their	PRON
abrj-9	219	29	catchment	catchment	NOUN
abrj-9	219	30	areas	area	NOUN
abrj-9	219	31	to	to	PART
abrj-9	219	32	ease	ease	VERB
abrj-9	219	33	the	the	DET
abrj-9	219	34	congestion	congestion	NOUN
abrj-9	219	35	at	at	ADP
abrj-9	219	36	the	the	DET
abrj-9	219	37	current	current	ADJ
abrj-9	219	38	banking	banking	NOUN
abrj-9	219	39	halls	hall	NOUN
abrj-9	219	40	.	.	PUNCT
abrj-9	220	1	management	management	NOUN
abrj-9	220	2	of	of	ADP
abrj-9	220	3	the	the	DET
abrj-9	220	4	rural	rural	ADJ
abrj-9	220	5	banks	bank	NOUN
abrj-9	220	6	should	should	AUX
abrj-9	220	7	also	also	ADV
abrj-9	220	8	incorporate	incorporate	VERB
abrj-9	220	9	innovations	innovation	NOUN
abrj-9	220	10	and	and	CCONJ
abrj-9	220	11	new	new	ADJ
abrj-9	220	12	technologies	technology	NOUN
abrj-9	220	13	in	in	ADP
abrj-9	220	14	the	the	DET
abrj-9	220	15	dissemination	dissemination	NOUN
abrj-9	220	16	or	or	CCONJ
abrj-9	220	17	advancement	advancement	NOUN
abrj-9	220	18	of	of	ADP
abrj-9	220	19	information	information	NOUN
abrj-9	220	20	or	or	CCONJ
abrj-9	220	21	alerts	alert	NOUN
abrj-9	220	22	to	to	ADP
abrj-9	220	23	customers	customer	NOUN
abrj-9	220	24	on	on	ADP
abrj-9	220	25	regular	regular	ADJ
abrj-9	220	26	basis	basis	NOUN
abrj-9	220	27	.	.	PUNCT
abrj-9	221	1	management	management	NOUN
abrj-9	221	2	of	of	ADP
abrj-9	221	3	the	the	DET
abrj-9	221	4	rural	rural	ADJ
abrj-9	221	5	banks	bank	NOUN
abrj-9	221	6	in	in	ADP
abrj-9	221	7	consultation	consultation	NOUN
abrj-9	221	8	with	with	ADP
abrj-9	221	9	its	its	PRON
abrj-9	221	10	stakeholders	stakeholder	NOUN
abrj-9	221	11	should	should	AUX
abrj-9	221	12	install	install	VERB
abrj-9	221	13	a	a	DET
abrj-9	221	14	user	user	NOUN
abrj-9	221	15	friendly	friendly	ADJ
abrj-9	221	16	equipment	equipment	NOUN
abrj-9	221	17	i.e.	i.e.	X
abrj-9	221	18	atms	atms	NOUN
abrj-9	221	19	which	which	PRON
abrj-9	221	20	are	be	AUX
abrj-9	221	21	visually	visually	ADV
abrj-9	221	22	appealing	appealing	ADJ
abrj-9	221	23	to	to	PART
abrj-9	221	24	take	take	VERB
abrj-9	221	25	care	care	NOUN
abrj-9	221	26	of	of	ADP
abrj-9	221	27	all	all	DET
abrj-9	221	28	clients	client	NOUN
abrj-9	221	29	both	both	CCONJ
abrj-9	221	30	educated	educate	VERB
abrj-9	221	31	and	and	CCONJ
abrj-9	221	32	illiterate	illiterate	ADJ
abrj-9	221	33	.	.	PUNCT
abrj-9	222	1	lastly	lastly	ADV
abrj-9	222	2	,	,	PUNCT
abrj-9	222	3	the	the	DET
abrj-9	222	4	rural	rural	ADJ
abrj-9	222	5	banks	bank	NOUN
abrj-9	222	6	should	should	AUX
abrj-9	222	7	continue	continue	VERB
abrj-9	222	8	to	to	PART
abrj-9	222	9	organize	organize	VERB
abrj-9	222	10	regular	regular	ADJ
abrj-9	222	11	in	in	ADP
abrj-9	222	12	-	-	PUNCT
abrj-9	222	13	service	service	NOUN
abrj-9	222	14	training	training	NOUN
abrj-9	222	15	for	for	ADP
abrj-9	222	16	their	their	PRON
abrj-9	222	17	staff	staff	NOUN
abrj-9	222	18	to	to	PART
abrj-9	222	19	equip	equip	VERB
abrj-9	222	20	them	they	PRON
abrj-9	222	21	with	with	ADP
abrj-9	222	22	new	new	ADJ
abrj-9	222	23	trends	trend	NOUN
abrj-9	222	24	in	in	ADP
abrj-9	222	25	customer	customer	NOUN
abrj-9	222	26	services	service	NOUN
abrj-9	222	27	.	.	PUNCT
abrj-9	223	1	references	reference	NOUN
abrj-9	223	2	addeah	addeah	PROPN
abrj-9	223	3	,	,	PUNCT
abrj-9	223	4	k.	k.	PROPN
abrj-9	223	5	,	,	PUNCT
abrj-9	223	6	2001	2001	NUM
abrj-9	223	7	.	.	PUNCT
abrj-9	224	1	the	the	DET
abrj-9	224	2	legal	legal	ADJ
abrj-9	224	3	and	and	CCONJ
abrj-9	224	4	regulatory	regulatory	ADJ
abrj-9	224	5	framework	framework	NOUN
abrj-9	224	6	of	of	ADP
abrj-9	224	7	micro	micro	ADJ
abrj-9	224	8	and	and	CCONJ
abrj-9	224	9	rural	rural	ADJ
abrj-9	224	10	finance	finance	NOUN
abrj-9	224	11	institutions	institution	NOUN
abrj-9	224	12	in	in	ADP
abrj-9	224	13	ghana	ghana	PROPN
abrj-9	224	14	.	.	PUNCT
abrj-9	225	1	a	a	DET
abrj-9	225	2	paper	paper	NOUN
abrj-9	225	3	presented	present	VERB
abrj-9	225	4	at	at	ADP
abrj-9	225	5	the	the	DET
abrj-9	225	6	rural	rural	ADJ
abrj-9	225	7	financial	financial	ADJ
abrj-9	225	8	services	service	NOUN
abrj-9	225	9	project	project	NOUN
abrj-9	225	10	launch	launch	NOUN
abrj-9	225	11	workshop	workshop	NOUN
abrj-9	225	12	,	,	PUNCT
abrj-9	225	13	agona	agona	NOUN
abrj-9	225	14	-	-	PUNCT
abrj-9	225	15	swedru	swedru	NOUN
abrj-9	225	16	,	,	PUNCT
abrj-9	225	17	ghana	ghana	PROPN
abrj-9	225	18	.	.	PUNCT
abrj-9	226	1	ako	ako	PROPN
abrj-9	226	2	-	-	PUNCT
abrj-9	226	3	nai	nai	PROPN
abrj-9	226	4	,	,	PUNCT
abrj-9	226	5	e.a	e.a	PROPN
abrj-9	226	6	.	.	PROPN
abrj-9	226	7	,	,	PUNCT
abrj-9	226	8	2011	2011	NUM
abrj-9	226	9	.	.	PUNCT
abrj-9	227	1	effect	effect	NOUN
abrj-9	227	2	of	of	ADP
abrj-9	227	3	customer	customer	NOUN
abrj-9	227	4	service	service	NOUN
abrj-9	227	5	on	on	ADP
abrj-9	227	6	customer	customer	NOUN
abrj-9	227	7	satisfaction	satisfaction	NOUN
abrj-9	227	8	:	:	PUNCT
abrj-9	227	9	a	a	DET
abrj-9	227	10	case	case	NOUN
abrj-9	227	11	study	study	NOUN
abrj-9	227	12	of	of	ADP
abrj-9	227	13	fidelity	fidelity	PROPN
abrj-9	227	14	bank	bank	PROPN
abrj-9	227	15	,	,	PUNCT
abrj-9	227	16	adum	adum	PROPN
abrj-9	227	17	,	,	PUNCT
abrj-9	227	18	kumasi	kumasi	NOUN
abrj-9	227	19	.	.	PUNCT
abrj-9	228	1	unpublished	unpublished	ADJ
abrj-9	228	2	master	master	NOUN
abrj-9	228	3	’s	’s	PART
abrj-9	228	4	thesis	thesis	NOUN
abrj-9	228	5	,	,	PUNCT
abrj-9	228	6	institute	institute	NOUN
abrj-9	228	7	of	of	ADP
abrj-9	228	8	distance	distance	NOUN
abrj-9	228	9	learning	learning	NOUN
abrj-9	228	10	,	,	PUNCT
abrj-9	228	11	kwame	kwame	PROPN
abrj-9	228	12	nkrumah	nkrumah	PROPN
abrj-9	228	13	university	university	PROPN
abrj-9	228	14	of	of	ADP
abrj-9	228	15	science	science	NOUN
abrj-9	228	16	and	and	CCONJ
abrj-9	228	17	technology	technology	NOUN
abrj-9	228	18	,	,	PUNCT
abrj-9	228	19	kumasi	kumasi	NOUN
abrj-9	228	20	.	.	PUNCT
abrj-9	229	1	association	association	NOUN
abrj-9	229	2	of	of	ADP
abrj-9	229	3	rural	rural	ADJ
abrj-9	229	4	banks	bank	NOUN
abrj-9	229	5	,	,	PUNCT
abrj-9	229	6	2002	2002	NUM
abrj-9	229	7	.	.	PUNCT
abrj-9	230	1	annual	annual	ADJ
abrj-9	230	2	reports	report	NOUN
abrj-9	230	3	,	,	PUNCT
abrj-9	230	4	unpublished	unpublished	ADJ
abrj-9	230	5	reports	report	NOUN
abrj-9	230	6	on	on	ADP
abrj-9	230	7	file	file	NOUN
abrj-9	230	8	at	at	ADP
abrj-9	230	9	the	the	DET
abrj-9	230	10	association	association	NOUN
abrj-9	230	11	of	of	ADP
abrj-9	230	12	rural	rural	ADJ
abrj-9	230	13	banks	bank	NOUN
abrj-9	230	14	,	,	PUNCT
abrj-9	230	15	accra	accra	NOUN
abrj-9	230	16	.	.	PUNCT
abrj-9	231	1	bank	bank	PROPN
abrj-9	231	2	of	of	ADP
abrj-9	231	3	ghana	ghana	PROPN
abrj-9	231	4	,	,	PUNCT
abrj-9	231	5	2011	2011	NUM
abrj-9	231	6	.	.	PUNCT
abrj-9	232	1	economic	economic	ADJ
abrj-9	232	2	and	and	CCONJ
abrj-9	232	3	financial	financial	ADJ
abrj-9	232	4	review	review	NOUN
abrj-9	232	5	.	.	PUNCT
abrj-9	233	1	accra	accra	PROPN
abrj-9	233	2	:	:	PUNCT
abrj-9	233	3	bank	bank	PROPN
abrj-9	233	4	of	of	ADP
abrj-9	233	5	ghana	ghana	PROPN
abrj-9	233	6	.	.	PUNCT
abrj-9	234	1	bitner	bitner	PROPN
abrj-9	234	2	,	,	PUNCT
abrj-9	234	3	m.j	m.j	PROPN
abrj-9	234	4	.	.	PROPN
abrj-9	234	5	,	,	PUNCT
abrj-9	234	6	1990	1990	NUM
abrj-9	234	7	.	.	PUNCT
abrj-9	235	1	evaluating	evaluate	VERB
abrj-9	235	2	service	service	NOUN
abrj-9	235	3	encounters	encounter	NOUN
abrj-9	235	4	:	:	PUNCT
abrj-9	235	5	the	the	DET
abrj-9	235	6	effects	effect	NOUN
abrj-9	235	7	of	of	ADP
abrj-9	235	8	physical	physical	ADJ
abrj-9	235	9	surroundings	surrounding	NOUN
abrj-9	235	10	and	and	CCONJ
abrj-9	235	11	employee	employee	NOUN
abrj-9	235	12	responses	response	NOUN
abrj-9	235	13	.	.	PUNCT
abrj-9	236	1	the	the	DET
abrj-9	236	2	journal	journal	NOUN
abrj-9	236	3	of	of	ADP
abrj-9	236	4	marketing	marketing	NOUN
abrj-9	236	5	,	,	PUNCT
abrj-9	236	6	54(2	54(2	NUM
abrj-9	236	7	):	):	PUNCT
abrj-9	236	8	69	69	NUM
abrj-9	236	9	-	-	SYM
abrj-9	236	10	82	82	NUM
abrj-9	236	11	.	.	PUNCT
abrj-9	236	12	available	available	ADJ
abrj-9	236	13	at	at	ADP
abrj-9	236	14	:	:	PUNCT
abrj-9	236	15	https://doi.org/10.2307/1251871	https://doi.org/10.2307/1251871	NOUN
abrj-9	236	16	.	.	PUNCT
abrj-9	237	1	brenda	brenda	PROPN
abrj-9	237	2	,	,	PUNCT
abrj-9	237	3	o.m	o.m	PROPN
abrj-9	237	4	.	.	PROPN
abrj-9	237	5	and	and	CCONJ
abrj-9	237	6	b.	b.	PROPN
abrj-9	237	7	steve	steve	PROPN
abrj-9	237	8	,	,	PUNCT
abrj-9	237	9	2000	2000	NUM
abrj-9	237	10	.	.	PUNCT
abrj-9	238	1	student	student	NOUN
abrj-9	238	2	perceptions	perception	NOUN
abrj-9	238	3	of	of	ADP
abrj-9	238	4	service	service	NOUN
abrj-9	238	5	quality	quality	NOUN
abrj-9	238	6	in	in	ADP
abrj-9	238	7	a	a	DET
abrj-9	238	8	uk	uk	PROPN
abrj-9	238	9	university	university	NOUN
abrj-9	238	10	business	business	NOUN
abrj-9	238	11	and	and	CCONJ
abrj-9	238	12	management	management	NOUN
abrj-9	238	13	faculty	faculty	NOUN
abrj-9	238	14	.	.	PUNCT
abrj-9	239	1	quality	quality	NOUN
abrj-9	239	2	assurance	assurance	NOUN
abrj-9	239	3	in	in	ADP
abrj-9	239	4	education	education	NOUN
abrj-9	239	5	,	,	PUNCT
abrj-9	239	6	8(2	8(2	NUM
abrj-9	239	7	):	):	PUNCT
abrj-9	239	8	85	85	NUM
abrj-9	239	9	-	-	SYM
abrj-9	239	10	95	95	NUM
abrj-9	239	11	.	.	PUNCT
abrj-9	240	1	available	available	ADJ
abrj-9	240	2	at	at	ADP
abrj-9	240	3	:	:	PUNCT
abrj-9	240	4	https://doi.org/10.1108/09684880010325600	https://doi.org/10.1108/09684880010325600	PROPN
abrj-9	240	5	.	.	PUNCT
abrj-9	241	1	chandon	chandon	PROPN
abrj-9	241	2	,	,	PUNCT
abrj-9	241	3	j.-l	j.-l	PROPN
abrj-9	241	4	.	.	PUNCT
abrj-9	241	5	,	,	PUNCT
abrj-9	241	6	p.-y	p.-y	PROPN
abrj-9	241	7	.	.	PUNCT
abrj-9	242	1	leo	leo	PROPN
abrj-9	242	2	and	and	CCONJ
abrj-9	242	3	j.	j.	PROPN
abrj-9	242	4	philippe	philippe	PROPN
abrj-9	242	5	,	,	PUNCT
abrj-9	242	6	1997	1997	NUM
abrj-9	242	7	.	.	PUNCT
abrj-9	243	1	service	service	NOUN
abrj-9	243	2	encounter	encounter	NOUN
abrj-9	243	3	dimensions	dimension	NOUN
abrj-9	243	4	-	-	PUNCT
abrj-9	243	5	a	a	DET
abrj-9	243	6	dyadic	dyadic	ADJ
abrj-9	243	7	perspective	perspective	NOUN
abrj-9	243	8	:	:	PUNCT
abrj-9	243	9	measuring	measure	VERB
abrj-9	243	10	the	the	DET
abrj-9	243	11	dimensions	dimension	NOUN
abrj-9	243	12	of	of	ADP
abrj-9	243	13	service	service	NOUN
abrj-9	243	14	encounters	encounter	NOUN
abrj-9	243	15	as	as	SCONJ
abrj-9	243	16	perceived	perceive	VERB
abrj-9	243	17	by	by	ADP
abrj-9	243	18	customers	customer	NOUN
abrj-9	243	19	and	and	CCONJ
abrj-9	243	20	personnel	personnel	NOUN
abrj-9	243	21	.	.	PUNCT
abrj-9	244	1	international	international	ADJ
abrj-9	244	2	journal	journal	PROPN
abrj-9	244	3	of	of	ADP
abrj-9	244	4	service	service	NOUN
abrj-9	244	5	industry	industry	NOUN
abrj-9	244	6	management	management	NOUN
abrj-9	244	7	,	,	PUNCT
abrj-9	244	8	8(1	8(1	NOUN
abrj-9	244	9	):	):	PUNCT
abrj-9	244	10	65	65	NUM
abrj-9	244	11	-	-	SYM
abrj-9	244	12	86	86	NUM
abrj-9	244	13	.	.	PUNCT
abrj-9	244	14	available	available	ADJ
abrj-9	244	15	at	at	ADP
abrj-9	244	16	:	:	PUNCT
abrj-9	244	17	https://doi.org/10.1108/09564239710161088	https://doi.org/10.1108/09564239710161088	PROPN
abrj-9	244	18	.	.	PUNCT
abrj-9	245	1	coulson	coulson	PROPN
abrj-9	245	2	-	-	PUNCT
abrj-9	245	3	thomas	thomas	PROPN
abrj-9	245	4	,	,	PUNCT
abrj-9	245	5	c.	c.	PROPN
abrj-9	245	6	and	and	CCONJ
abrj-9	245	7	r.	r.	PROPN
abrj-9	245	8	brown	brown	PROPN
abrj-9	245	9	,	,	PUNCT
abrj-9	245	10	1990	1990	NUM
abrj-9	245	11	.	.	PUNCT
abrj-9	246	1	beyond	beyond	ADP
abrj-9	246	2	quality	quality	NOUN
abrj-9	246	3	:	:	PUNCT
abrj-9	246	4	managing	manage	VERB
abrj-9	246	5	the	the	DET
abrj-9	246	6	relationship	relationship	NOUN
abrj-9	246	7	with	with	ADP
abrj-9	246	8	the	the	DET
abrj-9	246	9	customer	customer	NOUN
abrj-9	246	10	.	.	PUNCT
abrj-9	247	1	london	london	PROPN
abrj-9	247	2	:	:	PUNCT
abrj-9	247	3	british	british	PROPN
abrj-9	247	4	institute	institute	PROPN
abrj-9	247	5	of	of	ADP
abrj-9	247	6	management	management	PROPN
abrj-9	247	7	.	.	PUNCT
abrj-9	248	1	danaher	danaher	PROPN
abrj-9	248	2	,	,	PUNCT
abrj-9	248	3	p.j	p.j	PROPN
abrj-9	248	4	.	.	PROPN
abrj-9	248	5	and	and	CCONJ
abrj-9	248	6	j.	j.	PROPN
abrj-9	248	7	mattsson	mattsson	PROPN
abrj-9	248	8	,	,	PUNCT
abrj-9	248	9	1994	1994	NUM
abrj-9	248	10	.	.	PUNCT
abrj-9	249	1	cumulative	cumulative	ADJ
abrj-9	249	2	encounter	encounter	NOUN
abrj-9	249	3	satisfaction	satisfaction	NOUN
abrj-9	249	4	in	in	ADP
abrj-9	249	5	the	the	DET
abrj-9	249	6	hotel	hotel	NOUN
abrj-9	249	7	conference	conference	NOUN
abrj-9	249	8	process	process	NOUN
abrj-9	249	9	.	.	PUNCT
abrj-9	250	1	international	international	ADJ
abrj-9	250	2	journal	journal	PROPN
abrj-9	250	3	of	of	ADP
abrj-9	250	4	service	service	NOUN
abrj-9	250	5	industry	industry	NOUN
abrj-9	250	6	management	management	NOUN
abrj-9	250	7	,	,	PUNCT
abrj-9	250	8	5(4	5(4	NUM
abrj-9	250	9	):	):	PUNCT
abrj-9	250	10	69	69	NUM
abrj-9	250	11	-	-	SYM
abrj-9	250	12	80	80	NUM
abrj-9	250	13	.	.	PUNCT
abrj-9	250	14	available	available	ADJ
abrj-9	250	15	at	at	ADP
abrj-9	250	16	:	:	PUNCT
abrj-9	250	17	https://doi.org/10.1108/09564239410068715	https://doi.org/10.1108/09564239410068715	NOUN
abrj-9	250	18	.	.	PUNCT
abrj-9	250	19	farayibi	farayibi	PROPN
abrj-9	250	20	,	,	PUNCT
abrj-9	250	21	a.o	a.o	PROPN
abrj-9	250	22	.	.	PROPN
abrj-9	250	23	,	,	PUNCT
abrj-9	250	24	2016	2016	NUM
abrj-9	250	25	.	.	PUNCT
abrj-9	251	1	service	service	NOUN
abrj-9	251	2	delivery	delivery	NOUN
abrj-9	251	3	and	and	CCONJ
abrj-9	251	4	customer	customer	NOUN
abrj-9	251	5	satisfaction	satisfaction	NOUN
abrj-9	251	6	in	in	ADP
abrj-9	251	7	nigerian	nigerian	ADJ
abrj-9	251	8	banks	bank	NOUN
abrj-9	251	9	(	(	PUNCT
abrj-9	251	10	mpra	mpra	PROPN
abrj-9	251	11	paper	paper	PROPN
abrj-9	251	12	no	no	INTJ
abrj-9	251	13	.	.	PROPN
abrj-9	251	14	73612	73612	NUM
abrj-9	251	15	)	)	PUNCT
abrj-9	251	16	.	.	PUNCT
abrj-9	252	1	ibadan	ibadan	PROPN
abrj-9	252	2	,	,	PUNCT
abrj-9	252	3	nigeria	nigeria	PROPN
abrj-9	252	4	:	:	PUNCT
abrj-9	252	5	college	college	NOUN
abrj-9	252	6	of	of	ADP
abrj-9	252	7	allied	ally	VERB
abrj-9	252	8	research	research	NOUN
abrj-9	252	9	and	and	CCONJ
abrj-9	252	10	economic	economic	ADJ
abrj-9	252	11	development	development	NOUN
abrj-9	252	12	.	.	PUNCT
abrj-9	253	1	hirvonen	hirvonen	NOUN
abrj-9	253	2	,	,	PUNCT
abrj-9	253	3	t.	t.	PROPN
abrj-9	253	4	,	,	PUNCT
abrj-9	253	5	2007	2007	NUM
abrj-9	253	6	.	.	PUNCT
abrj-9	254	1	studying	study	VERB
abrj-9	254	2	in	in	ADP
abrj-9	254	3	an	an	DET
abrj-9	254	4	international	international	ADJ
abrj-9	254	5	degree	degree	NOUN
abrj-9	254	6	programme	programme	NOUN
abrj-9	254	7	:	:	PUNCT
abrj-9	254	8	from	from	ADP
abrj-9	254	9	expectations	expectation	NOUN
abrj-9	254	10	to	to	ADP
abrj-9	254	11	reality	reality	NOUN
abrj-9	254	12	.	.	PUNCT
abrj-9	255	1	jyvaskyla	jyvaskyla	NOUN
abrj-9	255	2	:	:	PUNCT
abrj-9	255	3	jyvaskyla	jyvaskyla	PROPN
abrj-9	255	4	university	university	PROPN
abrj-9	255	5	of	of	ADP
abrj-9	255	6	applied	apply	VERB
abrj-9	255	7	sciences	science	NOUN
abrj-9	255	8	press	press	NOUN
abrj-9	255	9	.	.	PUNCT
abrj-9	256	1	jallat	jallat	ADJ
abrj-9	256	2	,	,	PUNCT
abrj-9	256	3	f.	f.	PROPN
abrj-9	256	4	and	and	CCONJ
abrj-9	256	5	e.	e.	PROPN
abrj-9	256	6	wood	wood	PROPN
abrj-9	256	7	,	,	PUNCT
abrj-9	256	8	2005	2005	NUM
abrj-9	256	9	.	.	PUNCT
abrj-9	257	1	exploring	explore	VERB
abrj-9	257	2	“	"	PUNCT
abrj-9	257	3	deep	deep	ADJ
abrj-9	257	4	”	"	PUNCT
abrj-9	257	5	and	and	CCONJ
abrj-9	257	6	“	"	PUNCT
abrj-9	257	7	wide	wide	ADJ
abrj-9	257	8	”	"	PUNCT
abrj-9	257	9	stakeholder	stakeholder	NOUN
abrj-9	257	10	relations	relation	NOUN
abrj-9	257	11	in	in	ADP
abrj-9	257	12	service	service	NOUN
abrj-9	257	13	activity	activity	NOUN
abrj-9	257	14	.	.	PUNCT
abrj-9	258	1	european	european	PROPN
abrj-9	258	2	journal	journal	PROPN
abrj-9	258	3	of	of	ADP
abrj-9	258	4	marketing	marketing	NOUN
abrj-9	258	5	,	,	PUNCT
abrj-9	258	6	39(9/10	39(9/10	NUM
abrj-9	258	7	):	):	PUNCT
abrj-9	258	8	1013	1013	NUM
abrj-9	258	9	-	-	SYM
abrj-9	258	10	1024	1024	NUM
abrj-9	258	11	.	.	PUNCT
abrj-9	259	1	available	available	ADJ
abrj-9	259	2	at	at	ADP
abrj-9	259	3	:	:	PUNCT
abrj-9	259	4	https://doi.org/10.1108/03090560510610699	https://doi.org/10.1108/03090560510610699	PROPN
abrj-9	259	5	.	.	PUNCT
abrj-9	259	6	kotler	kotler	NOUN
abrj-9	259	7	,	,	PUNCT
abrj-9	259	8	p.	p.	NOUN
abrj-9	259	9	and	and	CCONJ
abrj-9	259	10	k.l	k.l	PROPN
abrj-9	259	11	.	.	PROPN
abrj-9	259	12	keller	keller	PROPN
abrj-9	259	13	,	,	PUNCT
abrj-9	259	14	2006	2006	NUM
abrj-9	259	15	.	.	PUNCT
abrj-9	260	1	marketing	marketing	NOUN
abrj-9	260	2	management	management	NOUN
abrj-9	260	3	.	.	PUNCT
abrj-9	261	1	12th	12th	ADJ
abrj-9	261	2	edn	edn	NOUN
abrj-9	261	3	.	.	PUNCT
abrj-9	262	1	,	,	PUNCT
abrj-9	262	2	new	new	PROPN
abrj-9	262	3	york	york	PROPN
abrj-9	262	4	:	:	PUNCT
abrj-9	262	5	person	person	NOUN
abrj-9	262	6	prentice	prentice	PROPN
abrj-9	262	7	hall	hall	PROPN
abrj-9	262	8	.	.	PUNCT
abrj-9	263	1	liljander	liljander	PROPN
abrj-9	263	2	,	,	PUNCT
abrj-9	263	3	v.	v.	PROPN
abrj-9	263	4	and	and	CCONJ
abrj-9	263	5	j.	j.	PROPN
abrj-9	263	6	mattsson	mattsson	PROPN
abrj-9	263	7	,	,	PUNCT
abrj-9	263	8	2002	2002	NUM
abrj-9	263	9	.	.	PUNCT
abrj-9	264	1	impact	impact	NOUN
abrj-9	264	2	of	of	ADP
abrj-9	264	3	customer	customer	NOUN
abrj-9	264	4	preconsumption	preconsumption	NOUN
abrj-9	264	5	mood	mood	NOUN
abrj-9	264	6	on	on	ADP
abrj-9	264	7	the	the	DET
abrj-9	264	8	evaluation	evaluation	NOUN
abrj-9	264	9	of	of	ADP
abrj-9	264	10	employee	employee	NOUN
abrj-9	264	11	behavior	behavior	NOUN
abrj-9	264	12	in	in	ADP
abrj-9	264	13	service	service	NOUN
abrj-9	264	14	encounters	encounter	NOUN
abrj-9	264	15	.	.	PUNCT
abrj-9	265	1	psychology	psychology	NOUN
abrj-9	265	2	&	&	CCONJ
abrj-9	265	3	marketing	marketing	PROPN
abrj-9	265	4	,	,	PUNCT
abrj-9	265	5	19(10	19(10	NUM
abrj-9	265	6	):	):	PUNCT
abrj-9	265	7	837	837	NUM
abrj-9	265	8	-	-	SYM
abrj-9	265	9	860	860	NUM
abrj-9	265	10	.	.	PUNCT
abrj-9	265	11	available	available	ADJ
abrj-9	265	12	at	at	ADP
abrj-9	265	13	:	:	PUNCT
abrj-9	265	14	https://doi.org/10.1002/mar.10040	https://doi.org/10.1002/mar.10040	PROPN
abrj-9	265	15	.	.	PUNCT
abrj-9	265	16	lovelock	lovelock	PROPN
abrj-9	265	17	,	,	PUNCT
abrj-9	265	18	c.	c.	PROPN
abrj-9	265	19	and	and	CCONJ
abrj-9	265	20	j.	j.	PROPN
abrj-9	265	21	wirtz	wirtz	PROPN
abrj-9	265	22	,	,	PUNCT
abrj-9	265	23	2007	2007	NUM
abrj-9	265	24	.	.	PUNCT
abrj-9	266	1	services	service	NOUN
abrj-9	266	2	marketing	marketing	NOUN
abrj-9	266	3	:	:	PUNCT
abrj-9	267	1	people	people	NOUN
abrj-9	267	2	,	,	PUNCT
abrj-9	267	3	technology	technology	NOUN
abrj-9	267	4	,	,	PUNCT
abrj-9	267	5	strategy	strategy	NOUN
abrj-9	267	6	.	.	PUNCT
abrj-9	268	1	6th	6th	ADJ
abrj-9	268	2	edn	edn	PROPN
abrj-9	268	3	.	.	PUNCT
abrj-9	269	1	,	,	PUNCT
abrj-9	269	2	new	new	PROPN
abrj-9	269	3	jersey	jersey	PROPN
abrj-9	269	4	:	:	PUNCT
abrj-9	269	5	pearson	pearson	PROPN
abrj-9	269	6	prentice	prentice	PROPN
abrj-9	269	7	hall	hall	PROPN
abrj-9	269	8	.	.	PUNCT
abrj-9	270	1	malhotra	malhotra	PROPN
abrj-9	270	2	,	,	PUNCT
abrj-9	270	3	n.	n.	PROPN
abrj-9	270	4	and	and	CCONJ
abrj-9	270	5	d.	d.	PROPN
abrj-9	270	6	birks	birks	PROPN
abrj-9	270	7	,	,	PUNCT
abrj-9	270	8	2007	2007	NUM
abrj-9	270	9	.	.	PUNCT
abrj-9	271	1	marketing	marketing	NOUN
abrj-9	271	2	research	research	NOUN
abrj-9	271	3	:	:	PUNCT
abrj-9	271	4	an	an	DET
abrj-9	271	5	applied	applied	ADJ
abrj-9	271	6	approach	approach	NOUN
abrj-9	271	7	.	.	PUNCT
abrj-9	272	1	pearson	pearson	PROPN
abrj-9	272	2	education	education	PROPN
abrj-9	272	3	ltd	ltd	PROPN
abrj-9	272	4	,	,	PUNCT
abrj-9	272	5	essex	essex	PROPN
abrj-9	272	6	.	.	PUNCT
abrj-9	273	1	mkoma	mkoma	PROPN
abrj-9	273	2	,	,	PUNCT
abrj-9	273	3	h.	h.	PROPN
abrj-9	273	4	,	,	PUNCT
abrj-9	273	5	2014	2014	NUM
abrj-9	273	6	.	.	PUNCT
abrj-9	274	1	analysis	analysis	NOUN
abrj-9	274	2	of	of	ADP
abrj-9	274	3	customers	customer	NOUN
abrj-9	274	4	’	'	PUNCT
abrj-9	274	5	satisfaction	satisfaction	NOUN
abrj-9	274	6	with	with	ADP
abrj-9	274	7	banking	banking	NOUN
abrj-9	274	8	services	service	NOUN
abrj-9	274	9	:	:	PUNCT
abrj-9	274	10	a	a	DET
abrj-9	274	11	case	case	NOUN
abrj-9	274	12	of	of	ADP
abrj-9	274	13	standard	standard	ADJ
abrj-9	274	14	chartered	chartered	ADJ
abrj-9	274	15	bank	bank	PROPN
abrj-9	274	16	.	.	PUNCT
abrj-9	275	1	unpublished	unpublished	ADJ
abrj-9	275	2	master	master	NOUN
abrj-9	275	3	’s	’s	PART
abrj-9	275	4	thesis	thesis	NOUN
abrj-9	275	5	,	,	PUNCT
abrj-9	275	6	department	department	NOUN
abrj-9	275	7	of	of	ADP
abrj-9	275	8	business	business	PROPN
abrj-9	275	9	administration	administration	PROPN
abrj-9	275	10	and	and	CCONJ
abrj-9	275	11	post	post	VERB
abrj-9	275	12	graduate	graduate	ADJ
abrj-9	275	13	studies	study	NOUN
abrj-9	275	14	,	,	PUNCT
abrj-9	275	15	the	the	DET
abrj-9	275	16	open	open	ADJ
abrj-9	275	17	university	university	PROPN
abrj-9	275	18	of	of	ADP
abrj-9	275	19	tanzania	tanzania	PROPN
abrj-9	275	20	.	.	PUNCT
abrj-9	276	1	oliver	oliver	PROPN
abrj-9	276	2	,	,	PUNCT
abrj-9	276	3	r.l	r.l	PROPN
abrj-9	276	4	.	.	PROPN
abrj-9	276	5	,	,	PUNCT
abrj-9	276	6	1980	1980	NUM
abrj-9	276	7	.	.	PUNCT
abrj-9	277	1	a	a	DET
abrj-9	277	2	cognitive	cognitive	ADJ
abrj-9	277	3	model	model	NOUN
abrj-9	277	4	of	of	ADP
abrj-9	277	5	the	the	DET
abrj-9	277	6	antecedents	antecedent	NOUN
abrj-9	277	7	and	and	CCONJ
abrj-9	277	8	consequences	consequence	NOUN
abrj-9	277	9	of	of	ADP
abrj-9	277	10	satisfaction	satisfaction	NOUN
abrj-9	277	11	decisions	decision	NOUN
abrj-9	277	12	.	.	PUNCT
abrj-9	278	1	journal	journal	NOUN
abrj-9	278	2	of	of	ADP
abrj-9	278	3	marketing	marketing	NOUN
abrj-9	278	4	research	research	NOUN
abrj-9	278	5	,	,	PUNCT
abrj-9	278	6	17(4	17(4	NUM
abrj-9	278	7	):	):	PUNCT
abrj-9	278	8	460	460	NUM
abrj-9	278	9	-	-	SYM
abrj-9	278	10	469	469	NUM
abrj-9	278	11	.	.	PUNCT
abrj-9	278	12	available	available	ADJ
abrj-9	278	13	at	at	ADP
abrj-9	278	14	:	:	PUNCT
abrj-9	278	15	https://doi.org/10.2307/3150499	https://doi.org/10.2307/3150499	NOUN
abrj-9	278	16	.	.	PUNCT
abrj-9	278	17	pallant	pallant	PROPN
abrj-9	278	18	,	,	PUNCT
abrj-9	278	19	j.	j.	PROPN
abrj-9	278	20	,	,	PUNCT
abrj-9	278	21	2007	2007	NUM
abrj-9	278	22	.	.	PUNCT
abrj-9	279	1	spss	spss	PROPN
abrj-9	279	2	survival	survival	PROPN
abrj-9	279	3	manual	manual	NOUN
abrj-9	279	4	:	:	PUNCT
abrj-9	279	5	a	a	DET
abrj-9	279	6	step	step	NOUN
abrj-9	279	7	by	by	ADP
abrj-9	279	8	step	step	NOUN
abrj-9	279	9	guide	guide	NOUN
abrj-9	279	10	to	to	ADP
abrj-9	279	11	data	datum	NOUN
abrj-9	279	12	analysis	analysis	NOUN
abrj-9	279	13	using	use	VERB
abrj-9	279	14	spss	spss	PROPN
abrj-9	279	15	version	version	PROPN
abrj-9	279	16	15	15	NUM
abrj-9	279	17	.	.	PUNCT
abrj-9	280	1	new	new	PROPN
abrj-9	280	2	york	york	PROPN
abrj-9	280	3	:	:	PUNCT
abrj-9	280	4	mcgraw	mcgraw	PROPN
abrj-9	280	5	-	-	PUNCT
abrj-9	280	6	hill	hill	PROPN
abrj-9	280	7	.	.	PUNCT
abrj-9	281	1	parasuraman	parasuraman	PROPN
abrj-9	281	2	,	,	PUNCT
abrj-9	281	3	a.	a.	PROPN
abrj-9	281	4	,	,	PUNCT
abrj-9	281	5	v.a	v.a	PROPN
abrj-9	281	6	.	.	PROPN
abrj-9	281	7	zeithaml	zeithaml	PROPN
abrj-9	281	8	and	and	CCONJ
abrj-9	281	9	l.l	l.l	PROPN
abrj-9	281	10	.	.	PROPN
abrj-9	281	11	berry	berry	PROPN
abrj-9	281	12	,	,	PUNCT
abrj-9	281	13	1985	1985	NUM
abrj-9	281	14	.	.	PUNCT
abrj-9	282	1	a	a	DET
abrj-9	282	2	conceptual	conceptual	ADJ
abrj-9	282	3	model	model	NOUN
abrj-9	282	4	of	of	ADP
abrj-9	282	5	service	service	NOUN
abrj-9	282	6	quality	quality	NOUN
abrj-9	282	7	and	and	CCONJ
abrj-9	282	8	its	its	PRON
abrj-9	282	9	implications	implication	NOUN
abrj-9	282	10	for	for	ADP
abrj-9	282	11	future	future	ADJ
abrj-9	282	12	research	research	NOUN
abrj-9	282	13	.	.	PUNCT
abrj-9	283	1	the	the	DET
abrj-9	283	2	journal	journal	NOUN
abrj-9	283	3	of	of	ADP
abrj-9	283	4	marketing	marketing	NOUN
abrj-9	283	5	,	,	PUNCT
abrj-9	283	6	49(4	49(4	NOUN
abrj-9	283	7	):	):	PUNCT
abrj-9	283	8	41	41	NUM
abrj-9	283	9	-	-	SYM
abrj-9	283	10	50	50	NUM
abrj-9	283	11	.	.	PUNCT
abrj-9	283	12	available	available	ADJ
abrj-9	283	13	at	at	ADP
abrj-9	283	14	:	:	PUNCT
abrj-9	283	15	https://doi.org/10.2307/1251430	https://doi.org/10.2307/1251430	PROPN
abrj-9	283	16	.	.	PROPN
abrj-9	283	17	parasuraman	parasuraman	PROPN
abrj-9	283	18	,	,	PUNCT
abrj-9	283	19	a.	a.	PROPN
abrj-9	283	20	,	,	PUNCT
abrj-9	283	21	v.a	v.a	PROPN
abrj-9	283	22	.	.	PROPN
abrj-9	283	23	zeithaml	zeithaml	PROPN
abrj-9	283	24	and	and	CCONJ
abrj-9	283	25	l.l	l.l	PROPN
abrj-9	283	26	.	.	PROPN
abrj-9	283	27	berry	berry	PROPN
abrj-9	283	28	,	,	PUNCT
abrj-9	283	29	1988	1988	NUM
abrj-9	283	30	.	.	PUNCT
abrj-9	284	1	servqual	servqual	ADJ
abrj-9	284	2	:	:	PUNCT
abrj-9	284	3	a	a	DET
abrj-9	284	4	multiple	multiple	ADJ
abrj-9	284	5	-	-	PUNCT
abrj-9	284	6	item	item	NOUN
abrj-9	284	7	scale	scale	NOUN
abrj-9	284	8	for	for	ADP
abrj-9	284	9	measuring	measure	VERB
abrj-9	284	10	consumer	consumer	NOUN
abrj-9	284	11	perc	perc	NOUN
abrj-9	284	12	.	.	PUNCT
abrj-9	284	13	journal	journal	PROPN
abrj-9	284	14	of	of	ADP
abrj-9	284	15	retailing	retailing	NOUN
abrj-9	284	16	,	,	PUNCT
abrj-9	284	17	64(1	64(1	NUM
abrj-9	284	18	):	):	PUNCT
abrj-9	284	19	12	12	NUM
abrj-9	284	20	-	-	SYM
abrj-9	284	21	40	40	NUM
abrj-9	284	22	.	.	PUNCT
abrj-9	285	1	saad	saad	PROPN
abrj-9	285	2	andaleeb	andaleeb	PROPN
abrj-9	285	3	,	,	PUNCT
abrj-9	285	4	s.	s.	PROPN
abrj-9	285	5	and	and	CCONJ
abrj-9	285	6	c.	c.	PROPN
abrj-9	285	7	conway	conway	PROPN
abrj-9	285	8	,	,	PUNCT
abrj-9	285	9	2006	2006	NUM
abrj-9	285	10	.	.	PUNCT
abrj-9	286	1	customer	customer	NOUN
abrj-9	286	2	satisfaction	satisfaction	NOUN
abrj-9	286	3	in	in	ADP
abrj-9	286	4	the	the	DET
abrj-9	286	5	restaurant	restaurant	NOUN
abrj-9	286	6	industry	industry	NOUN
abrj-9	286	7	:	:	PUNCT
abrj-9	286	8	an	an	DET
abrj-9	286	9	examination	examination	NOUN
abrj-9	286	10	of	of	ADP
abrj-9	286	11	the	the	DET
abrj-9	286	12	transaction	transaction	NOUN
abrj-9	286	13	-	-	PUNCT
abrj-9	286	14	specific	specific	ADJ
abrj-9	286	15	model	model	NOUN
abrj-9	286	16	.	.	PUNCT
abrj-9	287	1	journal	journal	PROPN
abrj-9	287	2	of	of	ADP
abrj-9	287	3	services	service	NOUN
abrj-9	287	4	marketing	marketing	NOUN
abrj-9	287	5	,	,	PUNCT
abrj-9	287	6	20(1	20(1	NUM
abrj-9	287	7	):	):	PUNCT
abrj-9	287	8	3	3	NUM
abrj-9	287	9	-	-	SYM
abrj-9	287	10	11	11	NUM
abrj-9	287	11	.	.	PUNCT
abrj-9	287	12	available	available	ADJ
abrj-9	287	13	at	at	ADP
abrj-9	287	14	:	:	PUNCT
abrj-9	287	15	https://doi.org/10.1108/08876040610646536	https://doi.org/10.1108/08876040610646536	NOUN
abrj-9	287	16	.	.	PUNCT
abrj-9	288	1	sahney	sahney	NOUN
abrj-9	288	2	,	,	PUNCT
abrj-9	288	3	s.	s.	PROPN
abrj-9	288	4	,	,	PUNCT
abrj-9	288	5	d.	d.	PROPN
abrj-9	288	6	banwet	banwet	PROPN
abrj-9	288	7	and	and	CCONJ
abrj-9	288	8	s.	s.	PROPN
abrj-9	288	9	karunes	karunes	PROPN
abrj-9	288	10	,	,	PUNCT
abrj-9	288	11	2004	2004	NUM
abrj-9	288	12	.	.	PUNCT
abrj-9	289	1	a	a	DET
abrj-9	289	2	servqual	servqual	ADJ
abrj-9	289	3	and	and	CCONJ
abrj-9	289	4	qfd	qfd	NOUN
abrj-9	289	5	approach	approach	NOUN
abrj-9	289	6	to	to	ADP
abrj-9	289	7	total	total	ADJ
abrj-9	289	8	quality	quality	NOUN
abrj-9	289	9	education	education	NOUN
abrj-9	289	10	:	:	PUNCT
abrj-9	289	11	a	a	DET
abrj-9	289	12	student	student	NOUN
abrj-9	289	13	perspective	perspective	NOUN
abrj-9	289	14	.	.	PUNCT
abrj-9	290	1	international	international	ADJ
abrj-9	290	2	journal	journal	PROPN
abrj-9	290	3	of	of	ADP
abrj-9	290	4	productivity	productivity	NOUN
abrj-9	290	5	and	and	CCONJ
abrj-9	290	6	performance	performance	NOUN
abrj-9	290	7	management	management	NOUN
abrj-9	290	8	,	,	PUNCT
abrj-9	290	9	53(2	53(2	NUM
abrj-9	290	10	):	):	PUNCT
abrj-9	290	11	143	143	NUM
abrj-9	290	12	-	-	SYM
abrj-9	290	13	166	166	NUM
abrj-9	290	14	.	.	PUNCT
abrj-9	290	15	available	available	ADJ
abrj-9	290	16	at	at	ADP
abrj-9	290	17	:	:	PUNCT
abrj-9	290	18	https://doi.org/10.1108/17410400410515043	https://doi.org/10.1108/17410400410515043	NOUN
abrj-9	290	19	.	.	PUNCT
abrj-9	290	20	soutar	soutar	NOUN
abrj-9	290	21	,	,	PUNCT
abrj-9	290	22	g.	g.	PROPN
abrj-9	290	23	and	and	CCONJ
abrj-9	290	24	m.	m.	PROPN
abrj-9	290	25	mcneil	mcneil	PROPN
abrj-9	290	26	,	,	PUNCT
abrj-9	290	27	1996	1996	NUM
abrj-9	290	28	.	.	PUNCT
abrj-9	291	1	measuring	measure	VERB
abrj-9	291	2	service	service	NOUN
abrj-9	291	3	quality	quality	NOUN
abrj-9	291	4	in	in	ADP
abrj-9	291	5	a	a	DET
abrj-9	291	6	tertiary	tertiary	ADJ
abrj-9	291	7	institution	institution	NOUN
abrj-9	291	8	.	.	PUNCT
abrj-9	292	1	journal	journal	NOUN
abrj-9	292	2	of	of	ADP
abrj-9	292	3	educational	educational	ADJ
abrj-9	292	4	administration	administration	NOUN
abrj-9	292	5	,	,	PUNCT
abrj-9	292	6	34(1	34(1	NUM
abrj-9	292	7	):	):	PUNCT
abrj-9	292	8	72	72	NUM
abrj-9	292	9	-	-	SYM
abrj-9	292	10	82	82	NUM
abrj-9	292	11	.	.	PUNCT
abrj-9	292	12	available	available	ADJ
abrj-9	292	13	at	at	ADP
abrj-9	292	14	:	:	PUNCT
abrj-9	292	15	https://doi.org/10.1108/09578239610107174	https://doi.org/10.1108/09578239610107174	X
abrj-9	292	16	.	.	PUNCT
abrj-9	293	1	surprenant	surprenant	PROPN
abrj-9	293	2	,	,	PUNCT
abrj-9	293	3	c.f	c.f	PROPN
abrj-9	293	4	.	.	PROPN
abrj-9	293	5	and	and	CCONJ
abrj-9	293	6	r.m	r.m	PROPN
abrj-9	293	7	.	.	PROPN
abrj-9	293	8	solomon	solomon	PROPN
abrj-9	293	9	,	,	PUNCT
abrj-9	293	10	1987	1987	NUM
abrj-9	293	11	.	.	PUNCT
abrj-9	294	1	predictability	predictability	NOUN
abrj-9	294	2	and	and	CCONJ
abrj-9	294	3	personalization	personalization	NOUN
abrj-9	294	4	in	in	ADP
abrj-9	294	5	the	the	DET
abrj-9	294	6	service	service	NOUN
abrj-9	294	7	encounter	encounter	NOUN
abrj-9	294	8	.	.	PUNCT
abrj-9	295	1	journal	journal	NOUN
abrj-9	295	2	of	of	ADP
abrj-9	295	3	marketing	marketing	NOUN
abrj-9	295	4	,	,	PUNCT
abrj-9	295	5	51(2	51(2	NUM
abrj-9	295	6	):	):	PUNCT
abrj-9	295	7	86	86	NUM
abrj-9	295	8	-	-	SYM
abrj-9	295	9	96	96	NUM
abrj-9	295	10	.	.	PUNCT
abrj-9	295	11	available	available	ADJ
abrj-9	295	12	at	at	ADP
abrj-9	295	13	:	:	PUNCT
abrj-9	295	14	https://doi.org/10.2307/1251131	https://doi.org/10.2307/1251131	PROPN
abrj-9	295	15	.	.	PUNCT
abrj-9	296	1	swar	swar	PROPN
abrj-9	296	2	,	,	PUNCT
abrj-9	296	3	b.n	b.n	PROPN
abrj-9	296	4	.	.	PROPN
abrj-9	296	5	and	and	CCONJ
abrj-9	296	6	p.k	p.k	PROPN
abrj-9	296	7	.	.	PROPN
abrj-9	296	8	sahoo	sahoo	PROPN
abrj-9	296	9	,	,	PUNCT
abrj-9	296	10	2012	2012	NUM
abrj-9	296	11	.	.	PUNCT
abrj-9	297	1	public	public	ADJ
abrj-9	297	2	,	,	PUNCT
abrj-9	297	3	private	private	ADJ
abrj-9	297	4	,	,	PUNCT
abrj-9	297	5	and	and	CCONJ
abrj-9	297	6	foreign	foreign	ADJ
abrj-9	297	7	banks	bank	NOUN
abrj-9	297	8	.	.	PUNCT
abrj-9	298	1	journal	journal	PROPN
abrj-9	298	2	of	of	ADP
abrj-9	298	3	indian	indian	PROPN
abrj-9	298	4	management	management	NOUN
abrj-9	298	5	,	,	PUNCT
abrj-9	298	6	9(3	9(3	NUM
abrj-9	298	7	):	):	PUNCT
abrj-9	298	8	43	43	NUM
abrj-9	298	9	-	-	SYM
abrj-9	298	10	51	51	NUM
abrj-9	298	11	.	.	PUNCT
abrj-9	299	1	asian	asian	ADJ
abrj-9	299	2	business	business	PROPN
abrj-9	299	3	research	research	NOUN
abrj-9	299	4	journal	journal	NOUN
abrj-9	299	5	,	,	PUNCT
abrj-9	299	6	2018	2018	NUM
abrj-9	299	7	,	,	PUNCT
abrj-9	299	8	3	3	NUM
abrj-9	299	9	:	:	SYM
abrj-9	299	10	33	33	NUM
abrj-9	299	11	-	-	SYM
abrj-9	299	12	40	40	NUM
abrj-9	299	13	40	40	NUM
abrj-9	299	14	©	©	PROPN
abrj-9	299	15	2018	2018	NUM
abrj-9	299	16	by	by	ADP
abrj-9	299	17	the	the	DET
abrj-9	299	18	authors	author	NOUN
abrj-9	299	19	;	;	PUNCT
abrj-9	299	20	licensee	licensee	NOUN
abrj-9	299	21	eastern	eastern	ADJ
abrj-9	299	22	centre	centre	NOUN
abrj-9	299	23	of	of	ADP
abrj-9	299	24	science	science	NOUN
abrj-9	299	25	and	and	CCONJ
abrj-9	299	26	education	education	NOUN
abrj-9	299	27	,	,	PUNCT
abrj-9	299	28	usa	usa	PROPN
abrj-9	299	29	zeithaml	zeithaml	PROPN
abrj-9	299	30	,	,	PUNCT
abrj-9	299	31	v.a	v.a	PROPN
abrj-9	299	32	.	.	PROPN
abrj-9	299	33	,	,	PUNCT
abrj-9	299	34	m.j	m.j	PROPN
abrj-9	299	35	.	.	PROPN
abrj-9	299	36	bitner	bitner	NOUN
abrj-9	299	37	and	and	CCONJ
abrj-9	299	38	d.d	d.d	PROPN
abrj-9	299	39	.	.	PROPN
abrj-9	299	40	gremler	gremler	PROPN
abrj-9	299	41	,	,	PUNCT
abrj-9	299	42	2006	2006	NUM
abrj-9	299	43	.	.	PUNCT
abrj-9	300	1	services	service	NOUN
abrj-9	300	2	marketing	marketing	NOUN
abrj-9	300	3	:	:	PUNCT
abrj-9	300	4	integrating	integrate	VERB
abrj-9	300	5	customer	customer	NOUN
abrj-9	300	6	focus	focus	VERB
abrj-9	300	7	across	across	ADP
abrj-9	300	8	the	the	DET
abrj-9	300	9	firm	firm	NOUN
abrj-9	300	10	.	.	PUNCT
abrj-9	301	1	4th	4th	ADJ
abrj-9	301	2	edn	edn	PROPN
abrj-9	301	3	.	.	PUNCT
abrj-9	301	4	,	,	PUNCT
abrj-9	301	5	new	new	PROPN
abrj-9	301	6	york	york	PROPN
abrj-9	301	7	,	,	PUNCT
abrj-9	301	8	usa	usa	PROPN
abrj-9	301	9	:	:	PUNCT
abrj-9	301	10	mcgraw	mcgraw	PROPN
abrj-9	301	11	-	-	PUNCT
abrj-9	301	12	hill	hill	PROPN
abrj-9	301	13	.	.	PUNCT
abrj-9	302	1	zeithaml	zeithaml	PROPN
abrj-9	302	2	,	,	PUNCT
abrj-9	302	3	v.a	v.a	PROPN
abrj-9	302	4	.	.	PROPN
abrj-9	302	5	,	,	PUNCT
abrj-9	302	6	a.	a.	NOUN
abrj-9	302	7	parasuraman	parasuraman	NOUN
abrj-9	302	8	and	and	CCONJ
abrj-9	302	9	l.l	l.l	PROPN
abrj-9	302	10	.	.	PROPN
abrj-9	302	11	berry	berry	PROPN
abrj-9	302	12	,	,	PUNCT
abrj-9	302	13	1990	1990	NUM
abrj-9	302	14	.	.	PUNCT
abrj-9	303	1	delivering	deliver	VERB
abrj-9	303	2	quality	quality	NOUN
abrj-9	303	3	service	service	NOUN
abrj-9	303	4	–	–	PUNCT
abrj-9	303	5	balancing	balance	VERB
abrj-9	303	6	customer	customer	NOUN
abrj-9	303	7	perceptions	perception	NOUN
abrj-9	303	8	and	and	CCONJ
abrj-9	303	9	expectations	expectation	NOUN
abrj-9	303	10	.	.	PUNCT
abrj-9	304	1	new	new	PROPN
abrj-9	304	2	york	york	PROPN
abrj-9	304	3	:	:	PUNCT
abrj-9	304	4	the	the	DET
abrj-9	304	5	free	free	ADJ
abrj-9	304	6	press	press	NOUN
abrj-9	304	7	.	.	PUNCT
abrj-9	305	1	zeithaml	zeithaml	PROPN
abrj-9	305	2	,	,	PUNCT
abrj-9	305	3	v.a	v.a	PROPN
abrj-9	305	4	.	.	PROPN
abrj-9	305	5	,	,	PUNCT
abrj-9	305	6	a.	a.	NOUN
abrj-9	305	7	parasuraman	parasuraman	NOUN
abrj-9	305	8	and	and	CCONJ
abrj-9	305	9	a.	a.	PROPN
abrj-9	305	10	malhotra	malhotra	PROPN
abrj-9	305	11	,	,	PUNCT
abrj-9	305	12	2000	2000	NUM
abrj-9	305	13	.	.	PUNCT
abrj-9	306	1	a	a	DET
abrj-9	306	2	conceptual	conceptual	ADJ
abrj-9	306	3	framework	framework	NOUN
abrj-9	306	4	for	for	ADP
abrj-9	306	5	understanding	understand	VERB
abrj-9	306	6	e	e	NOUN
abrj-9	306	7	-	-	NOUN
abrj-9	306	8	service	service	ADJ
abrj-9	306	9	quality	quality	NOUN
abrj-9	306	10	:	:	PUNCT
abrj-9	306	11	implications	implication	NOUN
abrj-9	306	12	for	for	ADP
abrj-9	306	13	future	future	ADJ
abrj-9	306	14	research	research	NOUN
abrj-9	306	15	and	and	CCONJ
abrj-9	306	16	managerial	managerial	ADJ
abrj-9	306	17	practice	practice	NOUN
abrj-9	306	18	(	(	PUNCT
abrj-9	306	19	working	work	VERB
abrj-9	306	20	paper	paper	NOUN
abrj-9	306	21	series	series	PROPN
abrj-9	306	22	report	report	VERB
abrj-9	306	23	no	no	INTJ
abrj-9	306	24	.	.	NOUN
abrj-9	306	25	00	00	NUM
abrj-9	306	26	-	-	SYM
abrj-9	306	27	115	115	NUM
abrj-9	306	28	)	)	PUNCT
abrj-9	306	29	.	.	PUNCT
abrj-9	307	1	london	london	PROPN
abrj-9	307	2	,	,	PUNCT
abrj-9	307	3	united	united	ADJ
abrj-9	307	4	kingdom	kingdom	PROPN
abrj-9	307	5	:	:	PUNCT
abrj-9	307	6	marketing	marketing	NOUN
abrj-9	307	7	science	science	PROPN
abrj-9	307	8	institute	institute	PROPN
abrj-9	307	9	.	.	PUNCT
abrj-9	308	1	zikmund	zikmund	PROPN
abrj-9	308	2	,	,	PUNCT
abrj-9	308	3	w.g	w.g	PROPN
abrj-9	308	4	.	.	PROPN
abrj-9	308	5	,	,	PUNCT
abrj-9	308	6	1994	1994	NUM
abrj-9	308	7	.	.	PUNCT
abrj-9	309	1	business	business	NOUN
abrj-9	309	2	research	research	NOUN
abrj-9	309	3	methods	method	NOUN
abrj-9	309	4	.	.	PUNCT
abrj-9	310	1	4th	4th	ADJ
abrj-9	310	2	edn	edn	PROPN
abrj-9	310	3	.	.	PUNCT
abrj-9	310	4	,	,	PUNCT
abrj-9	310	5	orlando	orlando	PROPN
abrj-9	310	6	:	:	PUNCT
abrj-9	310	7	the	the	DET
abrj-9	310	8	dryden	dryden	PROPN
abrj-9	310	9	press	press	PROPN
abrj-9	310	10	.	.	PUNCT
abrj-9	311	1	zikmund	zikmund	PROPN
abrj-9	311	2	,	,	PUNCT
abrj-9	311	3	w.g	w.g	PROPN
abrj-9	311	4	.	.	PROPN
abrj-9	311	5	,	,	PUNCT
abrj-9	311	6	2003	2003	NUM
abrj-9	311	7	.	.	PUNCT
abrj-9	312	1	business	business	NOUN
abrj-9	312	2	research	research	NOUN
abrj-9	312	3	method	method	NOUN
abrj-9	312	4	.	.	PUNCT
abrj-9	313	1	7th	7th	ADJ
abrj-9	313	2	edn	edn	PROPN
abrj-9	313	3	.	.	PUNCT
abrj-9	313	4	,	,	PUNCT
abrj-9	313	5	india	india	PROPN
abrj-9	313	6	:	:	PUNCT
abrj-9	313	7	cengage	cengage	PROPN
abrj-9	313	8	learning	learning	PROPN
abrj-9	313	9	.	.	PUNCT
abrj-9	314	1	citation	citation	NOUN
abrj-9	314	2	|	|	ADV
abrj-9	314	3	michael	michael	PROPN
abrj-9	314	4	ayikwei	ayikwei	VERB
abrj-9	314	5	quarshie	quarshie	PROPN
abrj-9	314	6	;	;	PUNCT
abrj-9	314	7	reginald	reginald	PROPN
abrj-9	314	8	djimatey	djimatey	PROPN
abrj-9	314	9	;	;	PUNCT
abrj-9	314	10	ama	ama	PROPN
abrj-9	314	11	abakah	abakah	NOUN
abrj-9	314	12	-	-	PUNCT
abrj-9	314	13	anaman	anaman	NOUN
abrj-9	314	14	(	(	PUNCT
abrj-9	314	15	2018	2018	NUM
abrj-9	314	16	)	)	PUNCT
abrj-9	314	17	.	.	PUNCT
abrj-9	315	1	service	service	NOUN
abrj-9	315	2	quality	quality	NOUN
abrj-9	315	3	delivery	delivery	NOUN
abrj-9	315	4	of	of	ADP
abrj-9	315	5	rural	rural	ADJ
abrj-9	315	6	banks	bank	NOUN
abrj-9	315	7	:	:	PUNCT
abrj-9	315	8	perception	perception	NOUN
abrj-9	315	9	of	of	ADP
abrj-9	315	10	customers	customer	NOUN
abrj-9	315	11	in	in	ADP
abrj-9	315	12	emerging	emerge	VERB
abrj-9	315	13	economies	economy	NOUN
abrj-9	315	14	.	.	PUNCT
abrj-9	316	1	asian	asian	ADJ
abrj-9	316	2	business	business	PROPN
abrj-9	316	3	research	research	NOUN
abrj-9	316	4	journal	journal	NOUN
abrj-9	316	5	,	,	PUNCT
abrj-9	316	6	3	3	NUM
abrj-9	316	7	:	:	SYM
abrj-9	316	8	33	33	NUM
abrj-9	316	9	-	-	SYM
abrj-9	316	10	40	40	NUM
abrj-9	316	11	.	.	PUNCT
abrj-9	317	1	history	history	NOUN
abrj-9	317	2	:	:	PUNCT
abrj-9	317	3	received	receive	VERB
abrj-9	317	4	:	:	PUNCT
abrj-9	317	5	31	31	NUM
abrj-9	317	6	july	july	PROPN
abrj-9	317	7	2018	2018	NUM
abrj-9	317	8	revised	revise	VERB
abrj-9	317	9	:	:	PUNCT
abrj-9	317	10	4	4	NUM
abrj-9	317	11	september	september	PROPN
abrj-9	317	12	2018	2018	NUM
abrj-9	317	13	accepted	accept	VERB
abrj-9	317	14	:	:	PUNCT
abrj-9	317	15	9	9	NUM
abrj-9	317	16	october	october	NOUN
abrj-9	317	17	2018	2018	NUM
abrj-9	317	18	published	publish	VERB
abrj-9	317	19	:	:	PUNCT
abrj-9	317	20	15	15	NUM
abrj-9	317	21	november	november	PROPN
abrj-9	317	22	2018	2018	NUM
abrj-9	317	23	licensed	license	VERB
abrj-9	317	24	:	:	PUNCT
abrj-9	317	25	this	this	DET
abrj-9	317	26	work	work	NOUN
abrj-9	317	27	is	be	AUX
abrj-9	317	28	licensed	license	VERB
abrj-9	317	29	under	under	ADP
abrj-9	317	30	a	a	DET
abrj-9	317	31	creative	creative	ADJ
abrj-9	317	32	commons	common	NOUN
abrj-9	317	33	attribution	attribution	NOUN
abrj-9	317	34	3.0	3.0	NUM
abrj-9	317	35	license	license	NOUN
abrj-9	317	36	publisher	publisher	NOUN
abrj-9	317	37	:	:	PUNCT
abrj-9	317	38	eastern	eastern	ADJ
abrj-9	317	39	centre	centre	NOUN
abrj-9	317	40	of	of	ADP
abrj-9	317	41	science	science	NOUN
abrj-9	317	42	and	and	CCONJ
abrj-9	317	43	education	education	NOUN
abrj-9	317	44	acknowledgement	acknowledgement	NOUN
abrj-9	317	45	:	:	PUNCT
abrj-9	317	46	all	all	DET
abrj-9	317	47	authors	author	NOUN
abrj-9	317	48	contributed	contribute	VERB
abrj-9	317	49	to	to	ADP
abrj-9	317	50	the	the	DET
abrj-9	317	51	conception	conception	NOUN
abrj-9	317	52	and	and	CCONJ
abrj-9	317	53	design	design	NOUN
abrj-9	317	54	of	of	ADP
abrj-9	317	55	the	the	DET
abrj-9	317	56	study	study	NOUN
abrj-9	317	57	.	.	PUNCT
abrj-9	318	1	funding	funding	NOUN
abrj-9	318	2	:	:	PUNCT
abrj-9	318	3	this	this	DET
abrj-9	318	4	study	study	NOUN
abrj-9	318	5	received	receive	VERB
abrj-9	318	6	no	no	DET
abrj-9	318	7	specific	specific	ADJ
abrj-9	318	8	financial	financial	ADJ
abrj-9	318	9	support	support	NOUN
abrj-9	318	10	.	.	PUNCT
abrj-9	319	1	competing	compete	VERB
abrj-9	319	2	interests	interest	NOUN
abrj-9	319	3	:	:	PUNCT
abrj-9	319	4	the	the	DET
abrj-9	319	5	authors	author	NOUN
abrj-9	319	6	declare	declare	VERB
abrj-9	319	7	that	that	SCONJ
abrj-9	319	8	they	they	PRON
abrj-9	319	9	have	have	VERB
abrj-9	319	10	no	no	DET
abrj-9	319	11	conflict	conflict	NOUN
abrj-9	319	12	of	of	ADP
abrj-9	319	13	interests	interest	NOUN
abrj-9	319	14	.	.	PUNCT
abrj-9	320	1	transparency	transparency	NOUN
abrj-9	320	2	:	:	PUNCT
abrj-9	320	3	the	the	DET
abrj-9	320	4	authors	author	NOUN
abrj-9	320	5	confirm	confirm	VERB
abrj-9	320	6	that	that	SCONJ
abrj-9	320	7	the	the	DET
abrj-9	320	8	manuscript	manuscript	NOUN
abrj-9	320	9	is	be	AUX
abrj-9	320	10	an	an	DET
abrj-9	320	11	honest	honest	ADJ
abrj-9	320	12	,	,	PUNCT
abrj-9	320	13	accurate	accurate	ADJ
abrj-9	320	14	,	,	PUNCT
abrj-9	320	15	and	and	CCONJ
abrj-9	320	16	transparent	transparent	ADJ
abrj-9	320	17	account	account	NOUN
abrj-9	320	18	of	of	ADP
abrj-9	320	19	the	the	DET
abrj-9	320	20	study	study	NOUN
abrj-9	320	21	was	be	AUX
abrj-9	320	22	reported	report	VERB
abrj-9	320	23	;	;	PUNCT
abrj-9	320	24	that	that	SCONJ
abrj-9	320	25	no	no	DET
abrj-9	320	26	vital	vital	ADJ
abrj-9	320	27	features	feature	NOUN
abrj-9	320	28	of	of	ADP
abrj-9	320	29	the	the	DET
abrj-9	320	30	study	study	NOUN
abrj-9	320	31	have	have	AUX
abrj-9	320	32	been	be	AUX
abrj-9	320	33	omitted	omit	VERB
abrj-9	320	34	;	;	PUNCT
abrj-9	320	35	and	and	CCONJ
abrj-9	320	36	that	that	SCONJ
abrj-9	320	37	any	any	DET
abrj-9	320	38	discrepancies	discrepancy	NOUN
abrj-9	320	39	from	from	ADP
abrj-9	320	40	the	the	DET
abrj-9	320	41	study	study	NOUN
abrj-9	320	42	as	as	SCONJ
abrj-9	320	43	planned	plan	VERB
abrj-9	320	44	have	have	AUX
abrj-9	320	45	been	be	AUX
abrj-9	320	46	explained	explain	VERB
abrj-9	320	47	.	.	PUNCT
abrj-9	321	1	ethical	ethical	ADJ
abrj-9	321	2	:	:	PUNCT
abrj-9	321	3	this	this	DET
abrj-9	321	4	study	study	NOUN
abrj-9	321	5	follows	follow	VERB
abrj-9	321	6	all	all	DET
abrj-9	321	7	ethical	ethical	ADJ
abrj-9	321	8	practices	practice	NOUN
abrj-9	321	9	during	during	ADP
abrj-9	321	10	writing	writing	NOUN
abrj-9	321	11	.	.	PUNCT
abrj-9	322	1	eastern	eastern	ADJ
abrj-9	322	2	centre	centre	PROPN
abrj-9	322	3	of	of	ADP
abrj-9	322	4	science	science	NOUN
abrj-9	322	5	and	and	CCONJ
abrj-9	322	6	education	education	NOUN
abrj-9	322	7	is	be	AUX
abrj-9	322	8	not	not	PART
abrj-9	322	9	responsible	responsible	ADJ
abrj-9	322	10	or	or	CCONJ
abrj-9	322	11	answerable	answerable	ADJ
abrj-9	322	12	for	for	ADP
abrj-9	322	13	any	any	DET
abrj-9	322	14	loss	loss	NOUN
abrj-9	322	15	,	,	PUNCT
abrj-9	322	16	damage	damage	NOUN
abrj-9	322	17	or	or	CCONJ
abrj-9	322	18	liability	liability	NOUN
abrj-9	322	19	,	,	PUNCT
abrj-9	322	20	etc	etc	X
abrj-9	322	21	.	.	X
abrj-9	322	22	caused	cause	VERB
abrj-9	322	23	in	in	ADP
abrj-9	322	24	relation	relation	NOUN
abrj-9	322	25	to	to	PART
abrj-9	322	26	/	/	PUNCT
abrj-9	322	27	arising	arise	VERB
abrj-9	322	28	out	out	ADP
abrj-9	322	29	of	of	ADP
abrj-9	322	30	the	the	DET
abrj-9	322	31	use	use	NOUN
abrj-9	322	32	of	of	ADP
abrj-9	322	33	the	the	DET
abrj-9	322	34	content	content	NOUN
abrj-9	322	35	.	.	PUNCT
abrj-9	323	1	any	any	DET
abrj-9	323	2	queries	query	NOUN
abrj-9	323	3	should	should	AUX
abrj-9	323	4	be	be	AUX
abrj-9	323	5	directed	direct	VERB
abrj-9	323	6	to	to	ADP
abrj-9	323	7	the	the	DET
abrj-9	323	8	corresponding	corresponding	ADJ
abrj-9	323	9	author	author	NOUN
abrj-9	323	10	of	of	ADP
abrj-9	323	11	the	the	DET
abrj-9	323	12	article	article	NOUN
abrj-9	323	13	.	.	PUNCT
abrj-9	324	1	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
abrj-9	324	2	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN