id	sid	tid	token	lemma	pos
asfbr-1916	1	1	asian	asian	PROPN
asfbr-1916	1	2	finance	finance	PROPN
asfbr-1916	1	3	&	&	CCONJ
asfbr-1916	1	4	banking	banking	PROPN
asfbr-1916	1	5	review	review	NOUN
asfbr-1916	1	6	7(1	7(1	NUM
asfbr-1916	1	7	)	)	PUNCT
asfbr-1916	1	8	(	(	PUNCT
asfbr-1916	1	9	2023	2023	NUM
asfbr-1916	1	10	)	)	PUNCT
asfbr-1916	2	1	,	,	PUNCT
asfbr-1916	2	2	1	1	NUM
asfbr-1916	2	3	-	-	SYM
asfbr-1916	2	4	9	9	NUM
asfbr-1916	2	5	1	1	NUM
asfbr-1916	2	6	finance	finance	NOUN
asfbr-1916	2	7	&	&	CCONJ
asfbr-1916	2	8	banking	banking	NOUN
asfbr-1916	2	9	review	review	NOUN
asfbr-1916	2	10	asfbr	asfbr	NOUN
asfbr-1916	2	11	vol	vol	VERB
asfbr-1916	2	12	7	7	NUM
asfbr-1916	2	13	no	no	DET
asfbr-1916	2	14	1	1	NUM
asfbr-1916	2	15	(	(	PUNCT
asfbr-1916	2	16	2023	2023	NUM
asfbr-1916	2	17	)	)	PUNCT
asfbr-1916	2	18	p	p	X
asfbr-1916	2	19	-	-	PUNCT
asfbr-1916	2	20	issn	issn	VERB
asfbr-1916	2	21	2576	2576	NUM
asfbr-1916	2	22	-	-	SYM
asfbr-1916	2	23	1161	1161	NUM
asfbr-1916	2	24	e	e	NOUN
asfbr-1916	2	25	-	-	NOUN
asfbr-1916	2	26	issn	issn	PROPN
asfbr-1916	2	27	2576	2576	NUM
asfbr-1916	2	28	-	-	SYM
asfbr-1916	2	29	1188	1188	NUM
asfbr-1916	2	30	available	available	ADJ
asfbr-1916	2	31	online	online	ADV
asfbr-1916	2	32	at	at	ADP
asfbr-1916	2	33	https://www.cribfb.com	https://www.cribfb.com	X
asfbr-1916	2	34	journal	journal	PROPN
asfbr-1916	2	35	homepage	homepage	NOUN
asfbr-1916	2	36	:	:	PUNCT
asfbr-1916	2	37	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-1916	2	38	published	publish	VERB
asfbr-1916	2	39	by	by	ADP
asfbr-1916	2	40	cribfb	cribfb	PROPN
asfbr-1916	2	41	,	,	PUNCT
asfbr-1916	2	42	usa	usa	PROPN
asfbr-1916	2	43	customer	customer	PROPN
asfbr-1916	2	44	satisfaction	satisfaction	NOUN
asfbr-1916	2	45	on	on	ADP
asfbr-1916	2	46	e	e	NOUN
asfbr-1916	2	47	-	-	ADJ
asfbr-1916	2	48	banking	banking	ADJ
asfbr-1916	2	49	services	service	NOUN
asfbr-1916	2	50	among	among	ADP
asfbr-1916	2	51	university	university	NOUN
asfbr-1916	2	52	students	student	NOUN
asfbr-1916	2	53	in	in	ADP
asfbr-1916	2	54	malaysia	malaysia	PROPN
asfbr-1916	2	55	hasnita	hasnita	PROPN
asfbr-1916	2	56	halim	halim	PROPN
asfbr-1916	2	57	(	(	PUNCT
asfbr-1916	2	58	a	a	X
asfbr-1916	2	59	)	)	PUNCT
asfbr-1916	2	60	suria	suria	PROPN
asfbr-1916	3	1	abu	abu	PROPN
asfbr-1916	3	2	basar	basar	PROPN
asfbr-1916	3	3	(	(	PUNCT
asfbr-1916	3	4	b	b	X
asfbr-1916	3	5	)	)	PUNCT
asfbr-1916	3	6	hanissah	hanissah	PROPN
asfbr-1916	3	7	hamzah	hamzah	PROPN
asfbr-1916	3	8	(	(	PUNCT
asfbr-1916	3	9	c)1	c)1	PROPN
asfbr-1916	3	10	nik	nik	X
asfbr-1916	3	11	nor	nor	CCONJ
asfbr-1916	3	12	amalina	amalina	PROPN
asfbr-1916	3	13	nik	nik	PROPN
asfbr-1916	3	14	mohd	mohd	PROPN
asfbr-1916	3	15	sukrri	sukrri	PROPN
asfbr-1916	3	16	(	(	PUNCT
asfbr-1916	3	17	d	d	NOUN
asfbr-1916	3	18	)	)	PUNCT
asfbr-1916	3	19	abul	abul	PROPN
asfbr-1916	3	20	bashar	bashar	PROPN
asfbr-1916	3	21	bhuiyan	bhuiyan	PROPN
asfbr-1916	3	22	(	(	PUNCT
asfbr-1916	3	23	e	e	NOUN
asfbr-1916	3	24	)	)	PUNCT
asfbr-1916	3	25	(	(	PUNCT
asfbr-1916	3	26	a	a	X
asfbr-1916	3	27	)	)	PUNCT
asfbr-1916	3	28	lecturer	lecturer	NOUN
asfbr-1916	3	29	,	,	PUNCT
asfbr-1916	3	30	faculty	faculty	NOUN
asfbr-1916	3	31	of	of	ADP
asfbr-1916	3	32	business	business	NOUN
asfbr-1916	3	33	and	and	CCONJ
asfbr-1916	3	34	accountancy	accountancy	NOUN
asfbr-1916	3	35	,	,	PUNCT
asfbr-1916	3	36	universiti	universiti	PROPN
asfbr-1916	3	37	selangor	selangor	PROPN
asfbr-1916	3	38	,	,	PUNCT
asfbr-1916	3	39	shah	shah	PROPN
asfbr-1916	3	40	alam	alam	PROPN
asfbr-1916	3	41	,	,	PUNCT
asfbr-1916	3	42	malaysia	malaysia	PROPN
asfbr-1916	3	43	;	;	PUNCT
asfbr-1916	3	44	e	e	X
asfbr-1916	3	45	-	-	NOUN
asfbr-1916	3	46	mail	mail	NOUN
asfbr-1916	3	47	:	:	PUNCT
asfbr-1916	3	48	hasnita@unisel.edu.my	hasnita@unisel.edu.my	NOUN
asfbr-1916	3	49	(	(	PUNCT
asfbr-1916	3	50	b	b	NOUN
asfbr-1916	3	51	)	)	PUNCT
asfbr-1916	3	52	lecturer	lecturer	NOUN
asfbr-1916	3	53	,	,	PUNCT
asfbr-1916	3	54	faculty	faculty	NOUN
asfbr-1916	3	55	of	of	ADP
asfbr-1916	3	56	business	business	NOUN
asfbr-1916	3	57	and	and	CCONJ
asfbr-1916	3	58	accountancy	accountancy	NOUN
asfbr-1916	3	59	,	,	PUNCT
asfbr-1916	3	60	universiti	universiti	PROPN
asfbr-1916	3	61	selangor	selangor	PROPN
asfbr-1916	3	62	,	,	PUNCT
asfbr-1916	3	63	shah	shah	PROPN
asfbr-1916	3	64	alam	alam	PROPN
asfbr-1916	3	65	,	,	PUNCT
asfbr-1916	3	66	malaysia	malaysia	PROPN
asfbr-1916	3	67	;	;	PUNCT
asfbr-1916	3	68	e	e	X
asfbr-1916	3	69	-	-	NOUN
asfbr-1916	3	70	mail	mail	NOUN
asfbr-1916	3	71	:	:	PUNCT
asfbr-1916	3	72	suria@unisel.edu.my	suria@unisel.edu.my	NOUN
asfbr-1916	3	73	(	(	PUNCT
asfbr-1916	3	74	c	c	NOUN
asfbr-1916	3	75	)	)	PUNCT
asfbr-1916	3	76	lecturer	lecturer	NOUN
asfbr-1916	3	77	,	,	PUNCT
asfbr-1916	3	78	faculty	faculty	NOUN
asfbr-1916	3	79	of	of	ADP
asfbr-1916	3	80	business	business	NOUN
asfbr-1916	3	81	and	and	CCONJ
asfbr-1916	3	82	accountancy	accountancy	NOUN
asfbr-1916	3	83	,	,	PUNCT
asfbr-1916	3	84	universiti	universiti	PROPN
asfbr-1916	3	85	selangor	selangor	PROPN
asfbr-1916	3	86	,	,	PUNCT
asfbr-1916	3	87	shah	shah	PROPN
asfbr-1916	3	88	alam	alam	PROPN
asfbr-1916	3	89	,	,	PUNCT
asfbr-1916	3	90	malaysia	malaysia	PROPN
asfbr-1916	3	91	;	;	PUNCT
asfbr-1916	3	92	e	e	X
asfbr-1916	3	93	-	-	NOUN
asfbr-1916	3	94	mail	mail	NOUN
asfbr-1916	3	95	:	:	PUNCT
asfbr-1916	3	96	hanissah@unisel.edu.my	hanissah@unisel.edu.my	NOUN
asfbr-1916	3	97	(	(	PUNCT
asfbr-1916	3	98	d	d	NOUN
asfbr-1916	3	99	)	)	PUNCT
asfbr-1916	3	100	lecturer	lecturer	NOUN
asfbr-1916	3	101	,	,	PUNCT
asfbr-1916	3	102	faculty	faculty	NOUN
asfbr-1916	3	103	of	of	ADP
asfbr-1916	3	104	business	business	NOUN
asfbr-1916	3	105	and	and	CCONJ
asfbr-1916	3	106	accountancy	accountancy	NOUN
asfbr-1916	3	107	,	,	PUNCT
asfbr-1916	3	108	universiti	universiti	PROPN
asfbr-1916	3	109	selangor	selangor	PROPN
asfbr-1916	3	110	,	,	PUNCT
asfbr-1916	3	111	shah	shah	PROPN
asfbr-1916	3	112	alam	alam	PROPN
asfbr-1916	3	113	,	,	PUNCT
asfbr-1916	3	114	malaysia	malaysia	PROPN
asfbr-1916	3	115	;	;	PUNCT
asfbr-1916	3	116	e	e	X
asfbr-1916	3	117	-	-	NOUN
asfbr-1916	3	118	mail	mail	NOUN
asfbr-1916	3	119	:	:	PUNCT
asfbr-1916	3	120	nnamalina@unisel.edu.my	nnamalina@unisel.edu.my	NOUN
asfbr-1916	3	121	(	(	PUNCT
asfbr-1916	3	122	e	e	NOUN
asfbr-1916	3	123	)	)	PUNCT
asfbr-1916	3	124	associate	associate	NOUN
asfbr-1916	3	125	professor	professor	NOUN
asfbr-1916	3	126	,	,	PUNCT
asfbr-1916	3	127	faculty	faculty	NOUN
asfbr-1916	3	128	of	of	ADP
asfbr-1916	3	129	business	business	NOUN
asfbr-1916	3	130	and	and	CCONJ
asfbr-1916	3	131	accountancy	accountancy	NOUN
asfbr-1916	3	132	,	,	PUNCT
asfbr-1916	3	133	universiti	universiti	PROPN
asfbr-1916	3	134	selangor	selangor	PROPN
asfbr-1916	3	135	,	,	PUNCT
asfbr-1916	3	136	shah	shah	PROPN
asfbr-1916	3	137	alam	alam	PROPN
asfbr-1916	3	138	,	,	PUNCT
asfbr-1916	3	139	malaysia	malaysia	PROPN
asfbr-1916	3	140	;	;	PUNCT
asfbr-1916	3	141	e	e	X
asfbr-1916	3	142	-	-	NOUN
asfbr-1916	3	143	mail	mail	NOUN
asfbr-1916	3	144	:	:	PUNCT
asfbr-1916	3	145	bashariuk@gmail.com	bashariuk@gmail.com	X
asfbr-1916	4	1	a	a	DET
asfbr-1916	4	2	r	r	NOUN
asfbr-1916	4	3	t	t	NOUN
asfbr-1916	5	1	i	i	PRON
asfbr-1916	5	2	c	c	NOUN
asfbr-1916	5	3	l	l	NOUN
asfbr-1916	5	4	e	e	NOUN
asfbr-1916	6	1	i	i	PRON
asfbr-1916	6	2	n	n	VERB
asfbr-1916	6	3	f	f	NOUN
asfbr-1916	6	4	o	o	NOUN
asfbr-1916	6	5	article	article	NOUN
asfbr-1916	6	6	history	history	NOUN
asfbr-1916	6	7	:	:	PUNCT
asfbr-1916	6	8	received	receive	VERB
asfbr-1916	6	9	:	:	PUNCT
asfbr-1916	6	10	2nd	2nd	ADJ
asfbr-1916	6	11	november	november	PROPN
asfbr-1916	6	12	2022	2022	NUM
asfbr-1916	6	13	revised	revise	VERB
asfbr-1916	6	14	:	:	PUNCT
asfbr-1916	6	15	28th	28th	ADJ
asfbr-1916	6	16	december	december	PROPN
asfbr-1916	6	17	2022	2022	NUM
asfbr-1916	6	18	accepted	accept	VERB
asfbr-1916	6	19	:	:	PUNCT
asfbr-1916	6	20	30th	30th	ADJ
asfbr-1916	6	21	january	january	PROPN
asfbr-1916	6	22	2023	2023	NUM
asfbr-1916	6	23	published	publish	VERB
asfbr-1916	6	24	:	:	PUNCT
asfbr-1916	6	25	28th	28th	ADJ
asfbr-1916	6	26	january	january	NOUN
asfbr-1916	6	27	2023	2023	NUM
asfbr-1916	6	28	keywords	keyword	NOUN
asfbr-1916	6	29	:	:	PUNCT
asfbr-1916	6	30	customer	customer	NOUN
asfbr-1916	6	31	satisfaction	satisfaction	NOUN
asfbr-1916	6	32	,	,	PUNCT
asfbr-1916	6	33	e	e	NOUN
asfbr-1916	6	34	-	-	ADJ
asfbr-1916	6	35	banking	banking	ADJ
asfbr-1916	6	36	services	service	NOUN
asfbr-1916	6	37	,	,	PUNCT
asfbr-1916	6	38	reliability	reliability	NOUN
asfbr-1916	6	39	,	,	PUNCT
asfbr-1916	6	40	security	security	NOUN
asfbr-1916	6	41	,	,	PUNCT
asfbr-1916	6	42	perceived	perceive	VERB
asfbr-1916	6	43	usefulness	usefulness	NOUN
asfbr-1916	6	44	jel	jel	PROPN
asfbr-1916	6	45	classification	classification	NOUN
asfbr-1916	6	46	codes	code	NOUN
asfbr-1916	6	47	:	:	PUNCT
asfbr-1916	6	48	m30	m30	PROPN
asfbr-1916	6	49	,	,	PUNCT
asfbr-1916	6	50	m31	m31	NOUN
asfbr-1916	6	51	a	a	PRON
asfbr-1916	6	52	b	b	PROPN
asfbr-1916	6	53	s	s	ADP
asfbr-1916	6	54	t	t	PROPN
asfbr-1916	6	55	r	r	NOUN
asfbr-1916	6	56	a	a	DET
asfbr-1916	6	57	c	c	NOUN
asfbr-1916	6	58	t	t	NOUN
asfbr-1916	6	59	electronic	electronic	ADJ
asfbr-1916	6	60	banking	banking	NOUN
asfbr-1916	6	61	(	(	PUNCT
asfbr-1916	6	62	e	e	NOUN
asfbr-1916	6	63	-	-	NOUN
asfbr-1916	6	64	banking	banking	NOUN
asfbr-1916	6	65	)	)	PUNCT
asfbr-1916	6	66	has	have	AUX
asfbr-1916	6	67	become	become	VERB
asfbr-1916	6	68	increasingly	increasingly	ADV
asfbr-1916	6	69	important	important	ADJ
asfbr-1916	6	70	due	due	ADP
asfbr-1916	6	71	to	to	ADP
asfbr-1916	6	72	its	its	PRON
asfbr-1916	6	73	convenience	convenience	NOUN
asfbr-1916	6	74	and	and	CCONJ
asfbr-1916	6	75	benefits	benefit	NOUN
asfbr-1916	6	76	to	to	ADP
asfbr-1916	6	77	banking	banking	NOUN
asfbr-1916	6	78	customers	customer	NOUN
asfbr-1916	6	79	.	.	PUNCT
asfbr-1916	7	1	the	the	DET
asfbr-1916	7	2	purpose	purpose	NOUN
asfbr-1916	7	3	of	of	ADP
asfbr-1916	7	4	this	this	DET
asfbr-1916	7	5	study	study	NOUN
asfbr-1916	7	6	is	be	AUX
asfbr-1916	7	7	to	to	PART
asfbr-1916	7	8	examine	examine	VERB
asfbr-1916	7	9	the	the	DET
asfbr-1916	7	10	factors	factor	NOUN
asfbr-1916	7	11	influencing	influence	VERB
asfbr-1916	7	12	customer	customer	NOUN
asfbr-1916	7	13	satisfaction	satisfaction	NOUN
asfbr-1916	7	14	with	with	ADP
asfbr-1916	7	15	e	e	NOUN
asfbr-1916	7	16	-	-	ADJ
asfbr-1916	7	17	banking	banking	ADJ
asfbr-1916	7	18	services	service	NOUN
asfbr-1916	7	19	among	among	ADP
asfbr-1916	7	20	university	university	NOUN
asfbr-1916	7	21	students	student	NOUN
asfbr-1916	7	22	in	in	ADP
asfbr-1916	7	23	malaysia	malaysia	PROPN
asfbr-1916	7	24	.	.	PUNCT
asfbr-1916	8	1	using	use	VERB
asfbr-1916	8	2	a	a	DET
asfbr-1916	8	3	standardized	standardized	ADJ
asfbr-1916	8	4	questionnaire	questionnaire	NOUN
asfbr-1916	8	5	,	,	PUNCT
asfbr-1916	8	6	the	the	DET
asfbr-1916	8	7	study	study	NOUN
asfbr-1916	8	8	utilized	utilize	VERB
asfbr-1916	8	9	a	a	DET
asfbr-1916	8	10	cross	cross	ADJ
asfbr-1916	8	11	-	-	ADJ
asfbr-1916	8	12	sectional	sectional	ADJ
asfbr-1916	8	13	design	design	NOUN
asfbr-1916	8	14	to	to	PART
asfbr-1916	8	15	collect	collect	VERB
asfbr-1916	8	16	data	datum	NOUN
asfbr-1916	8	17	from	from	ADP
asfbr-1916	8	18	87	87	NUM
asfbr-1916	8	19	students	student	NOUN
asfbr-1916	8	20	based	base	VERB
asfbr-1916	8	21	in	in	ADP
asfbr-1916	8	22	selangor	selangor	PROPN
asfbr-1916	8	23	,	,	PUNCT
asfbr-1916	8	24	malaysia	malaysia	PROPN
asfbr-1916	8	25	.	.	PUNCT
asfbr-1916	9	1	the	the	DET
asfbr-1916	9	2	findings	finding	NOUN
asfbr-1916	9	3	show	show	VERB
asfbr-1916	9	4	that	that	SCONJ
asfbr-1916	9	5	reliability	reliability	NOUN
asfbr-1916	9	6	,	,	PUNCT
asfbr-1916	9	7	security	security	NOUN
asfbr-1916	9	8	,	,	PUNCT
asfbr-1916	9	9	and	and	CCONJ
asfbr-1916	9	10	perceived	perceive	VERB
asfbr-1916	9	11	usefulness	usefulness	NOUN
asfbr-1916	9	12	are	be	AUX
asfbr-1916	9	13	positively	positively	ADV
asfbr-1916	9	14	associated	associate	VERB
asfbr-1916	9	15	with	with	ADP
asfbr-1916	9	16	customer	customer	NOUN
asfbr-1916	9	17	satisfaction	satisfaction	NOUN
asfbr-1916	9	18	with	with	ADP
asfbr-1916	9	19	e	e	NOUN
asfbr-1916	9	20	-	-	ADJ
asfbr-1916	9	21	banking	banking	ADJ
asfbr-1916	9	22	services	service	NOUN
asfbr-1916	9	23	.	.	PUNCT
asfbr-1916	10	1	these	these	DET
asfbr-1916	10	2	results	result	NOUN
asfbr-1916	10	3	indicate	indicate	VERB
asfbr-1916	10	4	that	that	SCONJ
asfbr-1916	10	5	customers	customer	NOUN
asfbr-1916	10	6	are	be	AUX
asfbr-1916	10	7	more	more	ADV
asfbr-1916	10	8	attracted	attract	VERB
asfbr-1916	10	9	to	to	ADP
asfbr-1916	10	10	banks	bank	NOUN
asfbr-1916	10	11	that	that	PRON
asfbr-1916	10	12	allow	allow	VERB
asfbr-1916	10	13	faster	fast	ADJ
asfbr-1916	10	14	transactions	transaction	NOUN
asfbr-1916	10	15	via	via	ADP
asfbr-1916	10	16	online	online	ADJ
asfbr-1916	10	17	portals	portal	NOUN
asfbr-1916	10	18	,	,	PUNCT
asfbr-1916	10	19	which	which	PRON
asfbr-1916	10	20	are	be	AUX
asfbr-1916	10	21	readily	readily	ADV
asfbr-1916	10	22	available	available	ADJ
asfbr-1916	10	23	,	,	PUNCT
asfbr-1916	10	24	and	and	CCONJ
asfbr-1916	10	25	customers	customer	NOUN
asfbr-1916	10	26	perceive	perceive	VERB
asfbr-1916	10	27	the	the	DET
asfbr-1916	10	28	system	system	NOUN
asfbr-1916	10	29	's	's	PART
asfbr-1916	10	30	usefulness	usefulness	NOUN
asfbr-1916	10	31	in	in	ADP
asfbr-1916	10	32	continuing	continue	VERB
asfbr-1916	10	33	their	their	PRON
asfbr-1916	10	34	usage	usage	NOUN
asfbr-1916	10	35	.	.	PUNCT
asfbr-1916	11	1	in	in	ADP
asfbr-1916	11	2	addition	addition	NOUN
asfbr-1916	11	3	,	,	PUNCT
asfbr-1916	11	4	customers	customer	NOUN
asfbr-1916	11	5	stress	stress	VERB
asfbr-1916	11	6	the	the	DET
asfbr-1916	11	7	effectiveness	effectiveness	NOUN
asfbr-1916	11	8	of	of	ADP
asfbr-1916	11	9	the	the	DET
asfbr-1916	11	10	website	website	NOUN
asfbr-1916	11	11	security	security	NOUN
asfbr-1916	11	12	system	system	NOUN
asfbr-1916	11	13	as	as	SCONJ
asfbr-1916	11	14	they	they	PRON
asfbr-1916	11	15	are	be	AUX
asfbr-1916	11	16	concerned	concern	VERB
asfbr-1916	11	17	with	with	ADP
asfbr-1916	11	18	the	the	DET
asfbr-1916	11	19	privacy	privacy	NOUN
asfbr-1916	11	20	of	of	ADP
asfbr-1916	11	21	their	their	PRON
asfbr-1916	11	22	personal	personal	ADJ
asfbr-1916	11	23	information	information	NOUN
asfbr-1916	11	24	and	and	CCONJ
asfbr-1916	11	25	the	the	DET
asfbr-1916	11	26	safety	safety	NOUN
asfbr-1916	11	27	of	of	ADP
asfbr-1916	11	28	their	their	PRON
asfbr-1916	11	29	financial	financial	ADJ
asfbr-1916	11	30	transactions	transaction	NOUN
asfbr-1916	11	31	while	while	SCONJ
asfbr-1916	11	32	using	use	VERB
asfbr-1916	11	33	e	e	NOUN
asfbr-1916	11	34	-	-	NOUN
asfbr-1916	11	35	banking	banking	NOUN
asfbr-1916	11	36	.	.	PUNCT
asfbr-1916	12	1	understanding	understand	VERB
asfbr-1916	12	2	the	the	DET
asfbr-1916	12	3	factors	factor	NOUN
asfbr-1916	12	4	influencing	influence	VERB
asfbr-1916	12	5	customer	customer	NOUN
asfbr-1916	12	6	satisfaction	satisfaction	NOUN
asfbr-1916	12	7	with	with	ADP
asfbr-1916	12	8	e	e	NOUN
asfbr-1916	12	9	-	-	ADJ
asfbr-1916	12	10	banking	banking	ADJ
asfbr-1916	12	11	services	service	NOUN
asfbr-1916	12	12	will	will	AUX
asfbr-1916	12	13	help	help	VERB
asfbr-1916	12	14	banking	banking	NOUN
asfbr-1916	12	15	institutions	institution	NOUN
asfbr-1916	12	16	in	in	ADP
asfbr-1916	12	17	malaysia	malaysia	PROPN
asfbr-1916	12	18	to	to	PART
asfbr-1916	12	19	deliver	deliver	VERB
asfbr-1916	12	20	their	their	PRON
asfbr-1916	12	21	customers	customer	NOUN
asfbr-1916	12	22	an	an	DET
asfbr-1916	12	23	effective	effective	ADJ
asfbr-1916	12	24	website	website	NOUN
asfbr-1916	12	25	with	with	ADP
asfbr-1916	12	26	an	an	DET
asfbr-1916	12	27	appropriate	appropriate	ADJ
asfbr-1916	12	28	setting	setting	NOUN
asfbr-1916	12	29	and	and	CCONJ
asfbr-1916	12	30	upgraded	upgrade	VERB
asfbr-1916	12	31	technological	technological	ADJ
asfbr-1916	12	32	development	development	NOUN
asfbr-1916	12	33	to	to	PART
asfbr-1916	12	34	deliver	deliver	VERB
asfbr-1916	12	35	first	first	ADJ
asfbr-1916	12	36	-	-	PUNCT
asfbr-1916	12	37	class	class	NOUN
asfbr-1916	12	38	conditions	condition	NOUN
asfbr-1916	12	39	services	service	NOUN
asfbr-1916	12	40	.	.	PUNCT
asfbr-1916	13	1	©	©	ADP
asfbr-1916	13	2	2023	2023	NUM
asfbr-1916	13	3	by	by	ADP
asfbr-1916	13	4	the	the	DET
asfbr-1916	13	5	authors	author	NOUN
asfbr-1916	13	6	.	.	PUNCT
asfbr-1916	14	1	licensee	licensee	PROPN
asfbr-1916	14	2	cribfb	cribfb	PROPN
asfbr-1916	14	3	,	,	PUNCT
asfbr-1916	14	4	usa	usa	PROPN
asfbr-1916	14	5	.	.	PROPN
asfbr-1916	15	1	this	this	DET
asfbr-1916	15	2	article	article	NOUN
asfbr-1916	15	3	is	be	AUX
asfbr-1916	15	4	an	an	DET
asfbr-1916	15	5	open	open	ADJ
asfbr-1916	15	6	access	access	NOUN
asfbr-1916	15	7	article	article	NOUN
asfbr-1916	15	8	distributed	distribute	VERB
asfbr-1916	15	9	under	under	ADP
asfbr-1916	15	10	the	the	DET
asfbr-1916	15	11	terms	term	NOUN
asfbr-1916	15	12	and	and	CCONJ
asfbr-1916	15	13	conditions	condition	NOUN
asfbr-1916	15	14	of	of	ADP
asfbr-1916	15	15	the	the	DET
asfbr-1916	15	16	creative	creative	ADJ
asfbr-1916	15	17	commons	common	NOUN
asfbr-1916	15	18	attribution	attribution	NOUN
asfbr-1916	15	19	(	(	PUNCT
asfbr-1916	15	20	cc	cc	NOUN
asfbr-1916	15	21	by	by	ADP
asfbr-1916	15	22	)	)	PUNCT
asfbr-1916	15	23	license	license	NOUN
asfbr-1916	15	24	(	(	PUNCT
asfbr-1916	15	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	15	26	)	)	PUNCT
asfbr-1916	15	27	.	.	PUNCT
asfbr-1916	16	1	introduction	introduction	NOUN
asfbr-1916	16	2	it	it	PRON
asfbr-1916	16	3	is	be	AUX
asfbr-1916	16	4	known	know	VERB
asfbr-1916	16	5	that	that	SCONJ
asfbr-1916	16	6	electronic	electronic	ADJ
asfbr-1916	16	7	banking	banking	NOUN
asfbr-1916	16	8	(	(	PUNCT
asfbr-1916	16	9	e	e	NOUN
asfbr-1916	16	10	-	-	NOUN
asfbr-1916	16	11	banking	banking	NOUN
asfbr-1916	16	12	)	)	PUNCT
asfbr-1916	16	13	has	have	AUX
asfbr-1916	16	14	become	become	VERB
asfbr-1916	16	15	one	one	NUM
asfbr-1916	16	16	of	of	ADP
asfbr-1916	16	17	the	the	DET
asfbr-1916	16	18	most	most	ADV
asfbr-1916	16	19	important	important	ADJ
asfbr-1916	16	20	services	service	NOUN
asfbr-1916	16	21	in	in	ADP
asfbr-1916	16	22	our	our	PRON
asfbr-1916	16	23	daily	daily	ADJ
asfbr-1916	16	24	life	life	NOUN
asfbr-1916	16	25	.	.	PUNCT
asfbr-1916	17	1	as	as	ADP
asfbr-1916	17	2	a	a	DET
asfbr-1916	17	3	distribution	distribution	NOUN
asfbr-1916	17	4	channel	channel	NOUN
asfbr-1916	17	5	medium	medium	NOUN
asfbr-1916	17	6	,	,	PUNCT
asfbr-1916	17	7	e	e	NOUN
asfbr-1916	17	8	-	-	NOUN
asfbr-1916	17	9	banking	banking	NOUN
asfbr-1916	17	10	allows	allow	VERB
asfbr-1916	17	11	banking	banking	NOUN
asfbr-1916	17	12	customers	customer	NOUN
asfbr-1916	17	13	to	to	PART
asfbr-1916	17	14	perform	perform	VERB
asfbr-1916	17	15	banking	banking	NOUN
asfbr-1916	17	16	activities	activity	NOUN
asfbr-1916	17	17	with	with	ADP
asfbr-1916	17	18	ease	ease	NOUN
asfbr-1916	17	19	at	at	ADP
asfbr-1916	17	20	anytime	anytime	ADV
asfbr-1916	17	21	and	and	CCONJ
asfbr-1916	17	22	anywhere	anywhere	ADV
asfbr-1916	17	23	(	(	PUNCT
asfbr-1916	17	24	saidi	saidi	PROPN
asfbr-1916	17	25	et	et	PROPN
asfbr-1916	17	26	al	al	PROPN
asfbr-1916	17	27	.	.	PROPN
asfbr-1916	17	28	,	,	PUNCT
asfbr-1916	17	29	2016	2016	NUM
asfbr-1916	17	30	)	)	PUNCT
asfbr-1916	17	31	.	.	PUNCT
asfbr-1916	18	1	however	however	ADV
asfbr-1916	18	2	,	,	PUNCT
asfbr-1916	18	3	e	e	NOUN
asfbr-1916	18	4	-	-	ADJ
asfbr-1916	18	5	banking	banking	ADJ
asfbr-1916	18	6	services	service	NOUN
asfbr-1916	18	7	are	be	AUX
asfbr-1916	18	8	not	not	PART
asfbr-1916	18	9	always	always	ADV
asfbr-1916	18	10	perfect	perfect	ADJ
asfbr-1916	18	11	.	.	PUNCT
asfbr-1916	19	1	in	in	ADP
asfbr-1916	19	2	fact	fact	NOUN
asfbr-1916	19	3	,	,	PUNCT
asfbr-1916	19	4	there	there	PRON
asfbr-1916	19	5	are	be	VERB
asfbr-1916	19	6	still	still	ADV
asfbr-1916	19	7	some	some	DET
asfbr-1916	19	8	negative	negative	ADJ
asfbr-1916	19	9	feedbacks	feedback	NOUN
asfbr-1916	19	10	from	from	ADP
asfbr-1916	19	11	the	the	DET
asfbr-1916	19	12	users	user	NOUN
asfbr-1916	19	13	of	of	ADP
asfbr-1916	19	14	e	e	NOUN
asfbr-1916	19	15	-	-	ADJ
asfbr-1916	19	16	banking	banking	ADJ
asfbr-1916	19	17	services	service	NOUN
asfbr-1916	19	18	.	.	PUNCT
asfbr-1916	20	1	for	for	ADP
asfbr-1916	20	2	instance	instance	NOUN
asfbr-1916	20	3	,	,	PUNCT
asfbr-1916	20	4	customers	customer	NOUN
asfbr-1916	20	5	mentioned	mention	VERB
asfbr-1916	20	6	internet	internet	NOUN
asfbr-1916	20	7	security	security	NOUN
asfbr-1916	20	8	,	,	PUNCT
asfbr-1916	20	9	online	online	ADJ
asfbr-1916	20	10	banking	banking	NOUN
asfbr-1916	20	11	regulations	regulation	NOUN
asfbr-1916	20	12	,	,	PUNCT
asfbr-1916	20	13	and	and	CCONJ
asfbr-1916	20	14	customers	customer	NOUN
asfbr-1916	20	15	’	’	PART
asfbr-1916	20	16	privacy	privacy	NOUN
asfbr-1916	20	17	as	as	ADP
asfbr-1916	20	18	the	the	DET
asfbr-1916	20	19	most	most	ADV
asfbr-1916	20	20	important	important	ADJ
asfbr-1916	20	21	future	future	ADJ
asfbr-1916	20	22	challenges	challenge	NOUN
asfbr-1916	20	23	of	of	ADP
asfbr-1916	20	24	e	e	NOUN
asfbr-1916	20	25	-	-	NOUN
asfbr-1916	20	26	banking	banking	NOUN
asfbr-1916	20	27	in	in	ADP
asfbr-1916	20	28	india	india	PROPN
asfbr-1916	20	29	(	(	PUNCT
asfbr-1916	20	30	kaushal	kaushal	PROPN
asfbr-1916	20	31	&	&	CCONJ
asfbr-1916	20	32	balaini	balaini	PROPN
asfbr-1916	20	33	,	,	PUNCT
asfbr-1916	20	34	2016	2016	NUM
asfbr-1916	20	35	)	)	PUNCT
asfbr-1916	20	36	.	.	PUNCT
asfbr-1916	21	1	in	in	ADP
asfbr-1916	21	2	addition	addition	NOUN
asfbr-1916	21	3	,	,	PUNCT
asfbr-1916	21	4	customers	customer	NOUN
asfbr-1916	21	5	concerned	concern	VERB
asfbr-1916	21	6	very	very	ADV
asfbr-1916	21	7	much	much	ADV
asfbr-1916	21	8	on	on	ADP
asfbr-1916	21	9	the	the	DET
asfbr-1916	21	10	fact	fact	NOUN
asfbr-1916	21	11	that	that	SCONJ
asfbr-1916	21	12	there	there	PRON
asfbr-1916	21	13	is	be	VERB
asfbr-1916	21	14	fear	fear	NOUN
asfbr-1916	21	15	of	of	ADP
asfbr-1916	21	16	identity	identity	NOUN
asfbr-1916	21	17	theft	theft	NOUN
asfbr-1916	21	18	and	and	CCONJ
asfbr-1916	21	19	disclosing	disclose	VERB
asfbr-1916	21	20	private	private	ADJ
asfbr-1916	21	21	information	information	NOUN
asfbr-1916	21	22	in	in	ADP
asfbr-1916	21	23	online	online	ADJ
asfbr-1916	21	24	or	or	CCONJ
asfbr-1916	21	25	e	e	NOUN
asfbr-1916	21	26	-	-	NOUN
asfbr-1916	21	27	banking	banking	NOUN
asfbr-1916	21	28	(	(	PUNCT
asfbr-1916	21	29	mogos	mogos	PROPN
asfbr-1916	21	30	&	&	CCONJ
asfbr-1916	21	31	jamail	jamail	PROPN
asfbr-1916	21	32	,	,	PUNCT
asfbr-1916	21	33	2021	2021	NUM
asfbr-1916	21	34	)	)	PUNCT
asfbr-1916	21	35	.	.	PUNCT
asfbr-1916	22	1	they	they	PRON
asfbr-1916	22	2	feel	feel	VERB
asfbr-1916	22	3	bank	bank	NOUN
asfbr-1916	22	4	may	may	AUX
asfbr-1916	22	5	invade	invade	VERB
asfbr-1916	22	6	their	their	PRON
asfbr-1916	22	7	privacy	privacy	NOUN
asfbr-1916	22	8	by	by	ADP
asfbr-1916	22	9	utilising	utilise	VERB
asfbr-1916	22	10	their	their	PRON
asfbr-1916	22	11	information	information	NOUN
asfbr-1916	22	12	for	for	ADP
asfbr-1916	22	13	marketing	marketing	NOUN
asfbr-1916	22	14	and	and	CCONJ
asfbr-1916	22	15	other	other	ADJ
asfbr-1916	22	16	secondary	secondary	ADJ
asfbr-1916	22	17	purposes	purpose	NOUN
asfbr-1916	22	18	without	without	ADP
asfbr-1916	22	19	consent	consent	NOUN
asfbr-1916	22	20	of	of	ADP
asfbr-1916	22	21	consumers	consumer	NOUN
asfbr-1916	22	22	.	.	PUNCT
asfbr-1916	23	1	people	people	NOUN
asfbr-1916	23	2	feel	feel	VERB
asfbr-1916	23	3	very	very	ADV
asfbr-1916	23	4	much	much	ADV
asfbr-1916	23	5	irritated	irritated	ADJ
asfbr-1916	23	6	when	when	SCONJ
asfbr-1916	23	7	they	they	PRON
asfbr-1916	23	8	received	receive	VERB
asfbr-1916	23	9	calls	call	NOUN
asfbr-1916	23	10	for	for	ADP
asfbr-1916	23	11	credit	credit	NOUN
asfbr-1916	23	12	cards	card	NOUN
asfbr-1916	23	13	or	or	CCONJ
asfbr-1916	23	14	insurance	insurance	NOUN
asfbr-1916	23	15	offers	offer	NOUN
asfbr-1916	23	16	(	(	PUNCT
asfbr-1916	23	17	kumar	kumar	PROPN
asfbr-1916	23	18	&	&	CCONJ
asfbr-1916	23	19	mehrotra	mehrotra	PROPN
asfbr-1916	23	20	,	,	PUNCT
asfbr-1916	23	21	2022	2022	NUM
asfbr-1916	23	22	)	)	PUNCT
asfbr-1916	23	23	.	.	PUNCT
asfbr-1916	24	1	therefore	therefore	ADV
asfbr-1916	24	2	,	,	PUNCT
asfbr-1916	24	3	it	it	PRON
asfbr-1916	24	4	is	be	AUX
asfbr-1916	24	5	important	important	ADJ
asfbr-1916	24	6	for	for	SCONJ
asfbr-1916	24	7	financial	financial	ADJ
asfbr-1916	24	8	institutions	institution	NOUN
asfbr-1916	24	9	to	to	PART
asfbr-1916	24	10	listen	listen	VERB
asfbr-1916	24	11	to	to	ADP
asfbr-1916	24	12	these	these	DET
asfbr-1916	24	13	feedbacks	feedback	NOUN
asfbr-1916	24	14	and	and	CCONJ
asfbr-1916	24	15	make	make	VERB
asfbr-1916	24	16	improvements	improvement	NOUN
asfbr-1916	24	17	,	,	PUNCT
asfbr-1916	24	18	as	as	SCONJ
asfbr-1916	24	19	all	all	PRON
asfbr-1916	24	20	of	of	ADP
asfbr-1916	24	21	these	these	PRON
asfbr-1916	24	22	are	be	AUX
asfbr-1916	24	23	the	the	DET
asfbr-1916	24	24	key	key	ADJ
asfbr-1916	24	25	determinants	determinant	NOUN
asfbr-1916	24	26	that	that	PRON
asfbr-1916	24	27	will	will	AUX
asfbr-1916	24	28	directly	directly	ADV
asfbr-1916	24	29	affect	affect	VERB
asfbr-1916	24	30	customer	customer	NOUN
asfbr-1916	24	31	satisfaction	satisfaction	NOUN
asfbr-1916	24	32	as	as	ADV
asfbr-1916	24	33	well	well	ADV
asfbr-1916	24	34	as	as	ADP
asfbr-1916	24	35	the	the	DET
asfbr-1916	24	36	reputation	reputation	NOUN
asfbr-1916	24	37	and	and	CCONJ
asfbr-1916	24	38	performance	performance	NOUN
asfbr-1916	24	39	of	of	ADP
asfbr-1916	24	40	the	the	DET
asfbr-1916	24	41	financial	financial	ADJ
asfbr-1916	24	42	institutions	institution	NOUN
asfbr-1916	24	43	.	.	PUNCT
asfbr-1916	25	1	increased	increase	VERB
asfbr-1916	25	2	competition	competition	NOUN
asfbr-1916	25	3	and	and	CCONJ
asfbr-1916	25	4	recent	recent	ADJ
asfbr-1916	25	5	technological	technological	ADJ
asfbr-1916	25	6	developments	development	NOUN
asfbr-1916	25	7	in	in	ADP
asfbr-1916	25	8	the	the	DET
asfbr-1916	25	9	financial	financial	ADJ
asfbr-1916	25	10	sector	sector	NOUN
asfbr-1916	25	11	towards	towards	ADP
asfbr-1916	25	12	customer	customer	NOUN
asfbr-1916	25	13	satisfaction	satisfaction	NOUN
asfbr-1916	25	14	have	have	AUX
asfbr-1916	25	15	created	create	VERB
asfbr-1916	25	16	awareness	awareness	NOUN
asfbr-1916	25	17	toward	toward	ADP
asfbr-1916	25	18	the	the	DET
asfbr-1916	25	19	e	e	NOUN
asfbr-1916	25	20	-	-	ADJ
asfbr-1916	25	21	banking	banking	ADJ
asfbr-1916	25	22	services	service	NOUN
asfbr-1916	25	23	(	(	PUNCT
asfbr-1916	25	24	liébana‐cabanillas	liébana‐cabanillas	NOUN
asfbr-1916	25	25	et	et	PROPN
asfbr-1916	25	26	al	al	PROPN
asfbr-1916	25	27	.	.	PROPN
asfbr-1916	25	28	,	,	PUNCT
asfbr-1916	25	29	2013	2013	NUM
asfbr-1916	25	30	)	)	PUNCT
asfbr-1916	25	31	.	.	PUNCT
asfbr-1916	26	1	they	they	PRON
asfbr-1916	26	2	added	add	VERB
asfbr-1916	26	3	that	that	SCONJ
asfbr-1916	26	4	many	many	ADJ
asfbr-1916	26	5	attempts	attempt	NOUN
asfbr-1916	26	6	have	have	AUX
asfbr-1916	26	7	been	be	AUX
asfbr-1916	26	8	made	make	VERB
asfbr-1916	26	9	to	to	PART
asfbr-1916	26	10	justify	justify	VERB
asfbr-1916	26	11	differentiation	differentiation	NOUN
asfbr-1916	26	12	and	and	CCONJ
asfbr-1916	26	13	customer	customer	NOUN
asfbr-1916	26	14	’s	’s	PART
asfbr-1916	26	15	preference	preference	NOUN
asfbr-1916	26	16	in	in	ADP
asfbr-1916	26	17	terms	term	NOUN
asfbr-1916	26	18	of	of	ADP
asfbr-1916	26	19	satisfaction	satisfaction	NOUN
asfbr-1916	26	20	with	with	ADP
asfbr-1916	26	21	the	the	DET
asfbr-1916	26	22	e	e	NOUN
asfbr-1916	26	23	-	-	NOUN
asfbr-1916	26	24	banking	banking	ADJ
asfbr-1916	26	25	services	service	NOUN
asfbr-1916	26	26	that	that	PRON
asfbr-1916	26	27	customers	customer	NOUN
asfbr-1916	26	28	received	receive	VERB
asfbr-1916	26	29	given	give	VERB
asfbr-1916	26	30	that	that	SCONJ
asfbr-1916	26	31	most	most	ADJ
asfbr-1916	26	32	financial	financial	ADJ
asfbr-1916	26	33	institution	institution	NOUN
asfbr-1916	26	34	offers	offer	VERB
asfbr-1916	26	35	similar	similar	ADJ
asfbr-1916	26	36	products	product	NOUN
asfbr-1916	26	37	and	and	CCONJ
asfbr-1916	26	38	services	service	NOUN
asfbr-1916	26	39	.	.	PUNCT
asfbr-1916	27	1	customers	customer	NOUN
asfbr-1916	27	2	now	now	ADV
asfbr-1916	27	3	demand	demand	VERB
asfbr-1916	27	4	new	new	ADJ
asfbr-1916	27	5	levels	level	NOUN
asfbr-1916	27	6	of	of	ADP
asfbr-1916	27	7	convenience	convenience	NOUN
asfbr-1916	27	8	and	and	CCONJ
asfbr-1916	27	9	flexibility	flexibility	NOUN
asfbr-1916	27	10	in	in	ADP
asfbr-1916	27	11	addition	addition	NOUN
asfbr-1916	27	12	to	to	ADP
asfbr-1916	27	13	powerful	powerful	ADJ
asfbr-1916	27	14	and	and	CCONJ
asfbr-1916	27	15	easy	easy	ADJ
asfbr-1916	27	16	services	service	NOUN
asfbr-1916	27	17	that	that	PRON
asfbr-1916	27	18	traditional	traditional	ADJ
asfbr-1916	27	19	means	mean	NOUN
asfbr-1916	27	20	can	can	AUX
asfbr-1916	27	21	not	not	PART
asfbr-1916	27	22	offer	offer	VERB
asfbr-1916	27	23	leads	lead	NOUN
asfbr-1916	27	24	to	to	PART
asfbr-1916	27	25	understand	understand	VERB
asfbr-1916	27	26	how	how	SCONJ
asfbr-1916	27	27	customers	customer	NOUN
asfbr-1916	27	28	perceive	perceive	VERB
asfbr-1916	27	29	and	and	CCONJ
asfbr-1916	27	30	evaluate	evaluate	VERB
asfbr-1916	27	31	e	e	NOUN
asfbr-1916	27	32	-	-	ADJ
asfbr-1916	27	33	banking	banking	ADJ
asfbr-1916	27	34	service	service	NOUN
asfbr-1916	27	35	is	be	AUX
asfbr-1916	27	36	vital	vital	ADJ
asfbr-1916	27	37	for	for	SCONJ
asfbr-1916	27	38	banks	bank	NOUN
asfbr-1916	27	39	to	to	PART
asfbr-1916	27	40	succeed	succeed	VERB
asfbr-1916	27	41	in	in	ADP
asfbr-1916	27	42	the	the	DET
asfbr-1916	27	43	marketplace	marketplace	NOUN
asfbr-1916	27	44	.	.	PUNCT
asfbr-1916	28	1	because	because	SCONJ
asfbr-1916	28	2	of	of	ADP
asfbr-1916	28	3	the	the	DET
asfbr-1916	28	4	products	product	NOUN
asfbr-1916	28	5	offered	offer	VERB
asfbr-1916	28	6	to	to	ADP
asfbr-1916	28	7	the	the	DET
asfbr-1916	28	8	customers	customer	NOUN
asfbr-1916	28	9	of	of	ADP
asfbr-1916	28	10	a	a	DET
asfbr-1916	28	11	bank	bank	NOUN
asfbr-1916	28	12	are	be	AUX
asfbr-1916	28	13	more	more	ADV
asfbr-1916	28	14	or	or	CCONJ
asfbr-1916	28	15	less	less	ADV
asfbr-1916	28	16	standardized	standardized	ADJ
asfbr-1916	28	17	in	in	ADP
asfbr-1916	28	18	nature	nature	NOUN
asfbr-1916	28	19	,	,	PUNCT
asfbr-1916	28	20	there	there	PRON
asfbr-1916	28	21	is	be	VERB
asfbr-1916	28	22	an	an	DET
asfbr-1916	28	23	increasing	increase	VERB
asfbr-1916	28	24	need	need	NOUN
asfbr-1916	28	25	to	to	ADP
asfbr-1916	28	26	1corresponding	1corresponding	PROPN
asfbr-1916	28	27	author	author	NOUN
asfbr-1916	28	28	:	:	PUNCT
asfbr-1916	28	29	orcid	orcid	PROPN
asfbr-1916	28	30	i	i	PRON
asfbr-1916	28	31	d	d	NOUN
asfbr-1916	28	32	:	:	PUNCT
asfbr-1916	28	33	0000	0000	NUM
asfbr-1916	28	34	-	-	PUNCT
asfbr-1916	28	35	0003	0003	NUM
asfbr-1916	28	36	-	-	PUNCT
asfbr-1916	28	37	0857	0857	NUM
asfbr-1916	28	38	-	-	SYM
asfbr-1916	28	39	1820	1820	NUM
asfbr-1916	28	40	©	©	PROPN
asfbr-1916	28	41	2023	2023	NUM
asfbr-1916	28	42	by	by	ADP
asfbr-1916	28	43	the	the	DET
asfbr-1916	28	44	authors	author	NOUN
asfbr-1916	28	45	.	.	PUNCT
asfbr-1916	29	1	hosting	host	VERB
asfbr-1916	29	2	by	by	ADP
asfbr-1916	29	3	cribfb	cribfb	PROPN
asfbr-1916	29	4	.	.	PUNCT
asfbr-1916	30	1	peer	peer	NOUN
asfbr-1916	30	2	review	review	NOUN
asfbr-1916	30	3	under	under	ADP
asfbr-1916	30	4	responsibility	responsibility	NOUN
asfbr-1916	30	5	of	of	ADP
asfbr-1916	30	6	cribfb	cribfb	PROPN
asfbr-1916	30	7	,	,	PUNCT
asfbr-1916	30	8	usa	usa	PROPN
asfbr-1916	30	9	.	.	PUNCT
asfbr-1916	31	1	https://doi.org/10.46281/asfbr.v7i1.1916	https://doi.org/10.46281/asfbr.v7i1.1916	PROPN
asfbr-1916	31	2	to	to	PART
asfbr-1916	31	3	cite	cite	VERB
asfbr-1916	31	4	this	this	DET
asfbr-1916	31	5	article	article	NOUN
asfbr-1916	31	6	:	:	PUNCT
asfbr-1916	31	7	halim	halim	PROPN
asfbr-1916	31	8	,	,	PUNCT
asfbr-1916	31	9	h.	h.	PROPN
asfbr-1916	31	10	,	,	PUNCT
asfbr-1916	31	11	basar	basar	PROPN
asfbr-1916	31	12	,	,	PUNCT
asfbr-1916	31	13	s.	s.	PROPN
asfbr-1916	31	14	a.	a.	PROPN
asfbr-1916	31	15	,	,	PUNCT
asfbr-1916	31	16	hamzah	hamzah	PROPN
asfbr-1916	31	17	,	,	PUNCT
asfbr-1916	31	18	h.	h.	PROPN
asfbr-1916	31	19	,	,	PUNCT
asfbr-1916	31	20	sukrri	sukrri	PROPN
asfbr-1916	31	21	,	,	PUNCT
asfbr-1916	31	22	n.	n.	PROPN
asfbr-1916	31	23	n.	n.	PROPN
asfbr-1916	31	24	a.	a.	PROPN
asfbr-1916	31	25	n.	n.	PROPN
asfbr-1916	31	26	m.	m.	PROPN
asfbr-1916	31	27	,	,	PUNCT
asfbr-1916	31	28	&	&	CCONJ
asfbr-1916	31	29	bhuiyan	bhuiyan	PROPN
asfbr-1916	31	30	,	,	PUNCT
asfbr-1916	31	31	a.	a.	PROPN
asfbr-1916	31	32	b.	b.	PROPN
asfbr-1916	31	33	(	(	PUNCT
asfbr-1916	31	34	2023	2023	NUM
asfbr-1916	31	35	)	)	PUNCT
asfbr-1916	31	36	.	.	PUNCT
asfbr-1916	32	1	customer	customer	NOUN
asfbr-1916	32	2	satisfaction	satisfaction	NOUN
asfbr-1916	32	3	on	on	ADP
asfbr-1916	32	4	ebanking	ebanking	ADJ
asfbr-1916	32	5	services	service	NOUN
asfbr-1916	32	6	among	among	ADP
asfbr-1916	32	7	university	university	NOUN
asfbr-1916	32	8	students	student	NOUN
asfbr-1916	32	9	in	in	ADP
asfbr-1916	32	10	malaysia	malaysia	PROPN
asfbr-1916	32	11	.	.	PUNCT
asfbr-1916	33	1	asian	asian	PROPN
asfbr-1916	33	2	finance	finance	PROPN
asfbr-1916	33	3	&	&	CCONJ
asfbr-1916	33	4	banking	banking	PROPN
asfbr-1916	33	5	review	review	PROPN
asfbr-1916	33	6	,	,	PUNCT
asfbr-1916	33	7	7(1	7(1	NUM
asfbr-1916	33	8	)	)	PUNCT
asfbr-1916	33	9	,	,	PUNCT
asfbr-1916	33	10	1	1	NUM
asfbr-1916	33	11	-	-	SYM
asfbr-1916	33	12	9	9	NUM
asfbr-1916	33	13	.	.	PUNCT
asfbr-1916	34	1	https://doi.org/10.46281/asfbr.v7i1.1916	https://doi.org/10.46281/asfbr.v7i1.1916	PRON
asfbr-1916	34	2	mailto:hasnita@unisel.edu.my	mailto:hasnita@unisel.edu.my	NOUN
asfbr-1916	34	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	34	4	)	)	PUNCT
asfbr-1916	34	5	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	34	6	)	)	PUNCT
asfbr-1916	34	7	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	34	8	)	)	PUNCT
asfbr-1916	34	9	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	34	10	)	)	PUNCT
asfbr-1916	35	1	https://doi.org/10.46281/asfbr.v7i1.1916	https://doi.org/10.46281/asfbr.v7i1.1916	PROPN
asfbr-1916	35	2	https://orcid.org/0000-0001-7113-6069	https://orcid.org/0000-0001-7113-6069	NOUN
asfbr-1916	35	3	https://orcid.org/0000-0003-0758-331x	https://orcid.org/0000-0003-0758-331x	AUX
asfbr-1916	35	4	https://orcid.org/0000-0003-0857-1820	https://orcid.org/0000-0003-0857-1820	ADV
asfbr-1916	35	5	https://orcid.org/0000-0002-1536-2755	https://orcid.org/0000-0002-1536-2755	ADJ
asfbr-1916	35	6	https://orcid.org/0000-0003-1763-124x	https://orcid.org/0000-0003-1763-124x	PROPN
asfbr-1916	35	7	hamzah	hamzah	PROPN
asfbr-1916	35	8	et	et	PROPN
asfbr-1916	35	9	al	al	PROPN
asfbr-1916	35	10	.	.	PROPN
asfbr-1916	35	11	,	,	PUNCT
asfbr-1916	35	12	asian	asian	PROPN
asfbr-1916	35	13	finance	finance	PROPN
asfbr-1916	35	14	&	&	CCONJ
asfbr-1916	35	15	banking	banking	PROPN
asfbr-1916	35	16	review	review	NOUN
asfbr-1916	35	17	7(1	7(1	NUM
asfbr-1916	35	18	)	)	PUNCT
asfbr-1916	35	19	(	(	PUNCT
asfbr-1916	35	20	2023	2023	NUM
asfbr-1916	35	21	)	)	PUNCT
asfbr-1916	35	22	,	,	PUNCT
asfbr-1916	35	23	1	1	NUM
asfbr-1916	35	24	-	-	SYM
asfbr-1916	35	25	9	9	NUM
asfbr-1916	35	26	2	2	NUM
asfbr-1916	35	27	differentiate	differentiate	VERB
asfbr-1916	35	28	themselves	themselves	PRON
asfbr-1916	35	29	from	from	ADP
asfbr-1916	35	30	the	the	DET
asfbr-1916	35	31	competitors	competitor	NOUN
asfbr-1916	35	32	on	on	ADP
asfbr-1916	35	33	other	other	ADJ
asfbr-1916	35	34	criteria	criterion	NOUN
asfbr-1916	35	35	that	that	PRON
asfbr-1916	35	36	can	can	AUX
asfbr-1916	35	37	influence	influence	VERB
asfbr-1916	35	38	customer	customer	NOUN
asfbr-1916	35	39	satisfaction	satisfaction	NOUN
asfbr-1916	35	40	and	and	CCONJ
asfbr-1916	35	41	loyalty	loyalty	NOUN
asfbr-1916	35	42	.	.	PUNCT
asfbr-1916	36	1	this	this	PRON
asfbr-1916	36	2	requires	require	VERB
asfbr-1916	36	3	banks	bank	NOUN
asfbr-1916	36	4	continue	continue	VERB
asfbr-1916	36	5	to	to	PART
asfbr-1916	36	6	develop	develop	VERB
asfbr-1916	36	7	their	their	PRON
asfbr-1916	36	8	e	e	NOUN
asfbr-1916	36	9	-	-	NOUN
asfbr-1916	36	10	banking	banking	ADJ
asfbr-1916	36	11	capabilities	capability	NOUN
asfbr-1916	36	12	by	by	ADP
asfbr-1916	36	13	identifying	identify	VERB
asfbr-1916	36	14	strategies	strategy	NOUN
asfbr-1916	36	15	to	to	PART
asfbr-1916	36	16	increase	increase	VERB
asfbr-1916	36	17	access	access	NOUN
asfbr-1916	36	18	,	,	PUNCT
asfbr-1916	36	19	and	and	CCONJ
asfbr-1916	36	20	usage	usage	NOUN
asfbr-1916	36	21	of	of	ADP
asfbr-1916	36	22	this	this	DET
asfbr-1916	36	23	low	low	ADJ
asfbr-1916	36	24	-	-	PUNCT
asfbr-1916	36	25	cost	cost	NOUN
asfbr-1916	36	26	channel	channel	NOUN
asfbr-1916	36	27	.	.	PUNCT
asfbr-1916	37	1	this	this	DET
asfbr-1916	37	2	study	study	NOUN
asfbr-1916	37	3	argues	argue	VERB
asfbr-1916	37	4	that	that	SCONJ
asfbr-1916	37	5	e	e	NOUN
asfbr-1916	37	6	-	-	ADJ
asfbr-1916	37	7	banking	banking	ADJ
asfbr-1916	37	8	service	service	NOUN
asfbr-1916	37	9	is	be	AUX
asfbr-1916	37	10	a	a	DET
asfbr-1916	37	11	growing	grow	VERB
asfbr-1916	37	12	area	area	NOUN
asfbr-1916	37	13	of	of	ADP
asfbr-1916	37	14	importance	importance	NOUN
asfbr-1916	37	15	which	which	PRON
asfbr-1916	37	16	has	have	AUX
asfbr-1916	37	17	had	have	VERB
asfbr-1916	37	18	bigger	big	ADJ
asfbr-1916	37	19	attention	attention	NOUN
asfbr-1916	37	20	in	in	ADP
asfbr-1916	37	21	the	the	DET
asfbr-1916	37	22	literature	literature	NOUN
asfbr-1916	37	23	.	.	PUNCT
asfbr-1916	38	1	however	however	ADV
asfbr-1916	38	2	,	,	PUNCT
asfbr-1916	38	3	this	this	DET
asfbr-1916	38	4	study	study	NOUN
asfbr-1916	38	5	identifies	identify	VERB
asfbr-1916	38	6	a	a	DET
asfbr-1916	38	7	significant	significant	ADJ
asfbr-1916	38	8	gap	gap	NOUN
asfbr-1916	38	9	where	where	SCONJ
asfbr-1916	38	10	majority	majority	NOUN
asfbr-1916	38	11	of	of	ADP
asfbr-1916	38	12	the	the	DET
asfbr-1916	38	13	research	research	NOUN
asfbr-1916	38	14	has	have	AUX
asfbr-1916	38	15	focused	focus	VERB
asfbr-1916	38	16	on	on	ADP
asfbr-1916	38	17	the	the	DET
asfbr-1916	38	18	adoption	adoption	NOUN
asfbr-1916	38	19	and	and	CCONJ
asfbr-1916	38	20	behavioural	behavioural	ADJ
asfbr-1916	38	21	intention	intention	NOUN
asfbr-1916	38	22	towards	towards	ADP
asfbr-1916	38	23	e	e	NOUN
asfbr-1916	38	24	-	-	ADJ
asfbr-1916	38	25	banking	banking	ADJ
asfbr-1916	38	26	usage	usage	NOUN
asfbr-1916	38	27	(	(	PUNCT
asfbr-1916	38	28	alalwan	alalwan	NOUN
asfbr-1916	38	29	et	et	NOUN
asfbr-1916	38	30	al	al	PROPN
asfbr-1916	38	31	.	.	PROPN
asfbr-1916	38	32	,	,	PUNCT
asfbr-1916	38	33	2017	2017	NUM
asfbr-1916	38	34	;	;	PUNCT
asfbr-1916	38	35	choudrie	choudrie	VERB
asfbr-1916	38	36	et	et	PROPN
asfbr-1916	38	37	al	al	PROPN
asfbr-1916	38	38	.	.	PROPN
asfbr-1916	38	39	,	,	PUNCT
asfbr-1916	38	40	2018	2018	NUM
asfbr-1916	38	41	)	)	PUNCT
asfbr-1916	38	42	,	,	PUNCT
asfbr-1916	38	43	while	while	SCONJ
asfbr-1916	38	44	little	little	ADJ
asfbr-1916	38	45	research	research	NOUN
asfbr-1916	38	46	has	have	AUX
asfbr-1916	38	47	been	be	AUX
asfbr-1916	38	48	conducted	conduct	VERB
asfbr-1916	38	49	in	in	ADP
asfbr-1916	38	50	post	post	ADJ
asfbr-1916	38	51	-	-	ADJ
asfbr-1916	38	52	adoption	adoption	ADJ
asfbr-1916	38	53	behaviours	behaviour	NOUN
asfbr-1916	38	54	such	such	ADJ
asfbr-1916	38	55	as	as	ADP
asfbr-1916	38	56	satisfaction	satisfaction	NOUN
asfbr-1916	38	57	.	.	PUNCT
asfbr-1916	39	1	satisfaction	satisfaction	NOUN
asfbr-1916	39	2	has	have	AUX
asfbr-1916	39	3	been	be	AUX
asfbr-1916	39	4	widely	widely	ADV
asfbr-1916	39	5	accepted	accept	VERB
asfbr-1916	39	6	as	as	ADP
asfbr-1916	39	7	a	a	DET
asfbr-1916	39	8	key	key	ADJ
asfbr-1916	39	9	measure	measure	NOUN
asfbr-1916	39	10	of	of	ADP
asfbr-1916	39	11	continuous	continuous	ADJ
asfbr-1916	39	12	use	use	NOUN
asfbr-1916	39	13	and	and	CCONJ
asfbr-1916	39	14	success	success	NOUN
asfbr-1916	39	15	in	in	ADP
asfbr-1916	39	16	the	the	DET
asfbr-1916	39	17	information	information	NOUN
asfbr-1916	39	18	systems	system	NOUN
asfbr-1916	39	19	and	and	CCONJ
asfbr-1916	39	20	e	e	NOUN
asfbr-1916	39	21	-	-	NOUN
asfbr-1916	39	22	commerce	commerce	NOUN
asfbr-1916	39	23	contexts	contexts	NOUN
asfbr-1916	39	24	.	.	PUNCT
asfbr-1916	40	1	the	the	DET
asfbr-1916	40	2	results	result	NOUN
asfbr-1916	40	3	of	of	ADP
asfbr-1916	40	4	this	this	DET
asfbr-1916	40	5	study	study	NOUN
asfbr-1916	40	6	make	make	VERB
asfbr-1916	40	7	an	an	DET
asfbr-1916	40	8	important	important	ADJ
asfbr-1916	40	9	contribution	contribution	NOUN
asfbr-1916	40	10	to	to	ADP
asfbr-1916	40	11	knowledge	knowledge	NOUN
asfbr-1916	40	12	and	and	CCONJ
asfbr-1916	40	13	enhance	enhance	VERB
asfbr-1916	40	14	our	our	PRON
asfbr-1916	40	15	understanding	understanding	NOUN
asfbr-1916	40	16	on	on	ADP
asfbr-1916	40	17	the	the	DET
asfbr-1916	40	18	aspects	aspect	NOUN
asfbr-1916	40	19	of	of	ADP
asfbr-1916	40	20	e	e	NOUN
asfbr-1916	40	21	-	-	NOUN
asfbr-1916	40	22	banking	banking	ADJ
asfbr-1916	40	23	service	service	NOUN
asfbr-1916	40	24	such	such	ADJ
asfbr-1916	40	25	as	as	ADP
asfbr-1916	40	26	reliability	reliability	NOUN
asfbr-1916	40	27	,	,	PUNCT
asfbr-1916	40	28	security	security	NOUN
asfbr-1916	40	29	,	,	PUNCT
asfbr-1916	40	30	and	and	CCONJ
asfbr-1916	40	31	usefulness	usefulness	NOUN
asfbr-1916	40	32	that	that	PRON
asfbr-1916	40	33	need	need	VERB
asfbr-1916	40	34	to	to	PART
asfbr-1916	40	35	be	be	AUX
asfbr-1916	40	36	taken	take	VERB
asfbr-1916	40	37	into	into	ADP
asfbr-1916	40	38	account	account	NOUN
asfbr-1916	40	39	to	to	PART
asfbr-1916	40	40	enhance	enhance	VERB
asfbr-1916	40	41	customers	customer	NOUN
asfbr-1916	40	42	’	'	PUNCT
asfbr-1916	40	43	satisfaction	satisfaction	NOUN
asfbr-1916	40	44	in	in	ADP
asfbr-1916	40	45	e	e	NOUN
asfbr-1916	40	46	-	-	ADJ
asfbr-1916	40	47	banking	banking	ADJ
asfbr-1916	40	48	usage	usage	NOUN
asfbr-1916	40	49	context	context	NOUN
asfbr-1916	40	50	.	.	PUNCT
asfbr-1916	41	1	the	the	DET
asfbr-1916	41	2	main	main	ADJ
asfbr-1916	41	3	objectives	objective	NOUN
asfbr-1916	41	4	of	of	ADP
asfbr-1916	41	5	this	this	DET
asfbr-1916	41	6	study	study	NOUN
asfbr-1916	41	7	are	be	AUX
asfbr-1916	41	8	to	to	PART
asfbr-1916	41	9	identify	identify	VERB
asfbr-1916	41	10	the	the	DET
asfbr-1916	41	11	extent	extent	NOUN
asfbr-1916	41	12	of	of	ADP
asfbr-1916	41	13	customers	customer	NOUN
asfbr-1916	41	14	’	'	PUNCT
asfbr-1916	41	15	satisfaction	satisfaction	NOUN
asfbr-1916	41	16	towards	towards	ADP
asfbr-1916	41	17	e	e	NOUN
asfbr-1916	41	18	-	-	NOUN
asfbr-1916	41	19	banking	banking	ADJ
asfbr-1916	41	20	service	service	NOUN
asfbr-1916	41	21	and	and	CCONJ
asfbr-1916	41	22	to	to	PART
asfbr-1916	41	23	examine	examine	VERB
asfbr-1916	41	24	the	the	DET
asfbr-1916	41	25	factors	factor	NOUN
asfbr-1916	41	26	influencing	influence	VERB
asfbr-1916	41	27	customers	customer	NOUN
asfbr-1916	41	28	’	'	PUNCT
asfbr-1916	41	29	satisfaction	satisfaction	NOUN
asfbr-1916	41	30	towards	towards	ADP
asfbr-1916	41	31	e	e	NOUN
asfbr-1916	41	32	-	-	NOUN
asfbr-1916	41	33	banking	banking	ADJ
asfbr-1916	41	34	service	service	NOUN
asfbr-1916	41	35	among	among	ADP
asfbr-1916	41	36	university	university	NOUN
asfbr-1916	41	37	students	student	NOUN
asfbr-1916	41	38	in	in	ADP
asfbr-1916	41	39	malaysia	malaysia	PROPN
asfbr-1916	41	40	.	.	PUNCT
asfbr-1916	42	1	literature	literature	PROPN
asfbr-1916	42	2	review	review	NOUN
asfbr-1916	42	3	customer	customer	NOUN
asfbr-1916	42	4	satisfaction	satisfaction	NOUN
asfbr-1916	42	5	in	in	ADP
asfbr-1916	42	6	the	the	DET
asfbr-1916	42	7	context	context	NOUN
asfbr-1916	42	8	of	of	ADP
asfbr-1916	42	9	e	e	NOUN
asfbr-1916	42	10	-	-	ADJ
asfbr-1916	42	11	banking	banking	ADJ
asfbr-1916	42	12	customer	customer	NOUN
asfbr-1916	42	13	satisfaction	satisfaction	NOUN
asfbr-1916	42	14	generally	generally	ADV
asfbr-1916	42	15	means	mean	VERB
asfbr-1916	42	16	customer	customer	NOUN
asfbr-1916	42	17	response	response	NOUN
asfbr-1916	42	18	in	in	ADP
asfbr-1916	42	19	the	the	DET
asfbr-1916	42	20	context	context	NOUN
asfbr-1916	42	21	of	of	ADP
asfbr-1916	42	22	the	the	DET
asfbr-1916	42	23	state	state	NOUN
asfbr-1916	42	24	of	of	ADP
asfbr-1916	42	25	fulfilment	fulfilment	NOUN
asfbr-1916	42	26	,	,	PUNCT
asfbr-1916	42	27	and	and	CCONJ
asfbr-1916	42	28	customer	customer	NOUN
asfbr-1916	42	29	adjudication	adjudication	NOUN
asfbr-1916	42	30	of	of	ADP
asfbr-1916	42	31	the	the	DET
asfbr-1916	42	32	fulfilled	fulfilled	ADJ
asfbr-1916	42	33	state	state	NOUN
asfbr-1916	42	34	(	(	PUNCT
asfbr-1916	42	35	oliver	oliver	PROPN
asfbr-1916	42	36	,	,	PUNCT
asfbr-1916	42	37	2010	2010	NUM
asfbr-1916	42	38	)	)	PUNCT
asfbr-1916	42	39	.	.	PUNCT
asfbr-1916	43	1	it	it	PRON
asfbr-1916	43	2	is	be	AUX
asfbr-1916	43	3	defined	define	VERB
asfbr-1916	43	4	as	as	ADP
asfbr-1916	43	5	any	any	DET
asfbr-1916	43	6	behavior	behavior	NOUN
asfbr-1916	43	7	with	with	ADP
asfbr-1916	43	8	regard	regard	NOUN
asfbr-1916	43	9	to	to	ADP
asfbr-1916	43	10	product	product	NOUN
asfbr-1916	43	11	or	or	CCONJ
asfbr-1916	43	12	service	service	NOUN
asfbr-1916	43	13	after	after	SCONJ
asfbr-1916	43	14	it	it	PRON
asfbr-1916	43	15	has	have	AUX
asfbr-1916	43	16	been	be	AUX
asfbr-1916	43	17	received	receive	VERB
asfbr-1916	43	18	and	and	CCONJ
asfbr-1916	43	19	used	use	VERB
asfbr-1916	43	20	(	(	PUNCT
asfbr-1916	43	21	hayati	hayati	X
asfbr-1916	43	22	et	et	PROPN
asfbr-1916	43	23	al	al	PROPN
asfbr-1916	43	24	.	.	PROPN
asfbr-1916	43	25	,	,	PUNCT
asfbr-1916	43	26	2020	2020	NUM
asfbr-1916	43	27	)	)	PUNCT
asfbr-1916	43	28	.	.	PUNCT
asfbr-1916	44	1	satisfaction	satisfaction	NOUN
asfbr-1916	44	2	can	can	AUX
asfbr-1916	44	3	also	also	ADV
asfbr-1916	44	4	be	be	AUX
asfbr-1916	44	5	described	describe	VERB
asfbr-1916	44	6	as	as	ADP
asfbr-1916	44	7	the	the	DET
asfbr-1916	44	8	feedback	feedback	NOUN
asfbr-1916	44	9	of	of	ADP
asfbr-1916	44	10	a	a	DET
asfbr-1916	44	11	post	post	ADJ
asfbr-1916	44	12	-	-	ADJ
asfbr-1916	44	13	purchase	purchase	ADJ
asfbr-1916	44	14	assessment	assessment	NOUN
asfbr-1916	44	15	of	of	ADP
asfbr-1916	44	16	certain	certain	ADJ
asfbr-1916	44	17	service	service	NOUN
asfbr-1916	44	18	/	/	SYM
asfbr-1916	44	19	product	product	NOUN
asfbr-1916	44	20	’s	’s	PART
asfbr-1916	44	21	quality	quality	NOUN
asfbr-1916	44	22	,	,	PUNCT
asfbr-1916	44	23	and	and	CCONJ
asfbr-1916	44	24	compared	compare	VERB
asfbr-1916	44	25	with	with	ADP
asfbr-1916	44	26	the	the	DET
asfbr-1916	44	27	expectation	expectation	NOUN
asfbr-1916	44	28	of	of	ADP
asfbr-1916	44	29	the	the	DET
asfbr-1916	44	30	prior	prior	ADJ
asfbr-1916	44	31	-	-	PUNCT
asfbr-1916	44	32	purchasing	purchase	VERB
asfbr-1916	44	33	stage	stage	NOUN
asfbr-1916	44	34	(	(	PUNCT
asfbr-1916	44	35	kotler	kotler	PROPN
asfbr-1916	44	36	&	&	CCONJ
asfbr-1916	44	37	keller	keller	PROPN
asfbr-1916	44	38	,	,	PUNCT
asfbr-1916	44	39	2011	2011	NUM
asfbr-1916	44	40	)	)	PUNCT
asfbr-1916	44	41	.	.	PUNCT
asfbr-1916	45	1	when	when	SCONJ
asfbr-1916	45	2	considering	consider	VERB
asfbr-1916	45	3	the	the	DET
asfbr-1916	45	4	construct	construct	NOUN
asfbr-1916	45	5	of	of	ADP
asfbr-1916	45	6	satisfaction	satisfaction	NOUN
asfbr-1916	45	7	in	in	ADP
asfbr-1916	45	8	the	the	DET
asfbr-1916	45	9	online	online	ADJ
asfbr-1916	45	10	context	context	NOUN
asfbr-1916	45	11	,	,	PUNCT
asfbr-1916	45	12	forgas	forgas	NOUN
asfbr-1916	45	13	-	-	PUNCT
asfbr-1916	45	14	coll	coll	PROPN
asfbr-1916	45	15	et	et	PROPN
asfbr-1916	45	16	al	al	PROPN
asfbr-1916	45	17	.	.	PROPN
asfbr-1916	46	1	(	(	PUNCT
asfbr-1916	46	2	2013	2013	NUM
asfbr-1916	46	3	)	)	PUNCT
asfbr-1916	46	4	defined	define	VERB
asfbr-1916	46	5	customer	customer	NOUN
asfbr-1916	46	6	satisfaction	satisfaction	NOUN
asfbr-1916	46	7	as	as	ADP
asfbr-1916	46	8	the	the	DET
asfbr-1916	46	9	contentment	contentment	NOUN
asfbr-1916	46	10	of	of	ADP
asfbr-1916	46	11	the	the	DET
asfbr-1916	46	12	customer	customer	NOUN
asfbr-1916	46	13	with	with	ADP
asfbr-1916	46	14	respect	respect	NOUN
asfbr-1916	46	15	to	to	ADP
asfbr-1916	46	16	their	their	PRON
asfbr-1916	46	17	prior	prior	ADJ
asfbr-1916	46	18	experience	experience	NOUN
asfbr-1916	46	19	with	with	ADP
asfbr-1916	46	20	a	a	DET
asfbr-1916	46	21	given	give	VERB
asfbr-1916	46	22	e	e	NOUN
asfbr-1916	46	23	-	-	NOUN
asfbr-1916	46	24	commerce	commerce	NOUN
asfbr-1916	46	25	corporation	corporation	NOUN
asfbr-1916	46	26	.	.	PUNCT
asfbr-1916	47	1	in	in	ADP
asfbr-1916	47	2	this	this	DET
asfbr-1916	47	3	way	way	NOUN
asfbr-1916	47	4	,	,	PUNCT
asfbr-1916	47	5	esatisfaction	esatisfaction	NOUN
asfbr-1916	47	6	is	be	AUX
asfbr-1916	47	7	defined	define	VERB
asfbr-1916	47	8	as	as	ADP
asfbr-1916	47	9	the	the	DET
asfbr-1916	47	10	customer	customer	NOUN
asfbr-1916	47	11	’s	’s	PART
asfbr-1916	47	12	pleasant	pleasant	ADJ
asfbr-1916	47	13	sense	sense	NOUN
asfbr-1916	47	14	due	due	ADP
asfbr-1916	47	15	to	to	ADP
asfbr-1916	47	16	the	the	DET
asfbr-1916	47	17	positive	positive	ADJ
asfbr-1916	47	18	experience	experience	NOUN
asfbr-1916	47	19	with	with	ADP
asfbr-1916	47	20	an	an	DET
asfbr-1916	47	21	e	e	NOUN
asfbr-1916	47	22	-	-	NOUN
asfbr-1916	47	23	service	service	NOUN
asfbr-1916	47	24	.	.	PUNCT
asfbr-1916	48	1	thus	thus	ADV
asfbr-1916	48	2	,	,	PUNCT
asfbr-1916	48	3	customer	customer	NOUN
asfbr-1916	48	4	satisfaction	satisfaction	NOUN
asfbr-1916	48	5	is	be	AUX
asfbr-1916	48	6	a	a	DET
asfbr-1916	48	7	customer	customer	NOUN
asfbr-1916	48	8	’s	’s	PART
asfbr-1916	48	9	feeling	feeling	NOUN
asfbr-1916	48	10	of	of	ADP
asfbr-1916	48	11	pleasure	pleasure	NOUN
asfbr-1916	48	12	or	or	CCONJ
asfbr-1916	48	13	displeasure	displeasure	NOUN
asfbr-1916	48	14	after	after	SCONJ
asfbr-1916	48	15	he	he	PRON
asfbr-1916	48	16	or	or	CCONJ
asfbr-1916	48	17	she	she	PRON
asfbr-1916	48	18	has	have	AUX
asfbr-1916	48	19	distinguished	distinguish	VERB
asfbr-1916	48	20	a	a	DET
asfbr-1916	48	21	performance	performance	NOUN
asfbr-1916	48	22	of	of	ADP
asfbr-1916	48	23	a	a	DET
asfbr-1916	48	24	product	product	NOUN
asfbr-1916	48	25	/	/	SYM
asfbr-1916	48	26	service	service	NOUN
asfbr-1916	48	27	with	with	ADP
asfbr-1916	48	28	respect	respect	NOUN
asfbr-1916	48	29	to	to	ADP
asfbr-1916	48	30	his	his	PRON
asfbr-1916	48	31	or	or	CCONJ
asfbr-1916	48	32	her	her	PRON
asfbr-1916	48	33	expectancy	expectancy	NOUN
asfbr-1916	48	34	(	(	PUNCT
asfbr-1916	48	35	das	das	PROPN
asfbr-1916	48	36	&	&	CCONJ
asfbr-1916	48	37	ravi	ravi	PROPN
asfbr-1916	48	38	,	,	PUNCT
asfbr-1916	48	39	2021	2021	NUM
asfbr-1916	48	40	)	)	PUNCT
asfbr-1916	48	41	.	.	PUNCT
asfbr-1916	49	1	consistent	consistent	ADJ
asfbr-1916	49	2	with	with	ADP
asfbr-1916	49	3	these	these	DET
asfbr-1916	49	4	definitions	definition	NOUN
asfbr-1916	49	5	,	,	PUNCT
asfbr-1916	49	6	and	and	CCONJ
asfbr-1916	49	7	in	in	ADP
asfbr-1916	49	8	so	so	ADV
asfbr-1916	49	9	far	far	ADV
asfbr-1916	49	10	as	as	SCONJ
asfbr-1916	49	11	this	this	DET
asfbr-1916	49	12	study	study	NOUN
asfbr-1916	49	13	is	be	AUX
asfbr-1916	49	14	concerned	concern	VERB
asfbr-1916	49	15	,	,	PUNCT
asfbr-1916	49	16	customer	customer	NOUN
asfbr-1916	49	17	satisfaction	satisfaction	NOUN
asfbr-1916	49	18	is	be	AUX
asfbr-1916	49	19	the	the	DET
asfbr-1916	49	20	attitude	attitude	NOUN
asfbr-1916	49	21	of	of	ADP
asfbr-1916	49	22	the	the	DET
asfbr-1916	49	23	customer	customer	NOUN
asfbr-1916	49	24	formulated	formulate	VERB
asfbr-1916	49	25	in	in	ADP
asfbr-1916	49	26	response	response	NOUN
asfbr-1916	49	27	to	to	ADP
asfbr-1916	49	28	using	use	VERB
asfbr-1916	49	29	any	any	DET
asfbr-1916	49	30	form	form	NOUN
asfbr-1916	49	31	of	of	ADP
asfbr-1916	49	32	ebanking	ebanking	ADJ
asfbr-1916	49	33	services	service	NOUN
asfbr-1916	49	34	.	.	PUNCT
asfbr-1916	50	1	accordingly	accordingly	ADV
asfbr-1916	50	2	,	,	PUNCT
asfbr-1916	50	3	e	e	X
asfbr-1916	50	4	-	-	ADJ
asfbr-1916	50	5	banking	banking	ADJ
asfbr-1916	50	6	attributes	attribute	NOUN
asfbr-1916	50	7	may	may	AUX
asfbr-1916	50	8	increase	increase	VERB
asfbr-1916	50	9	,	,	PUNCT
asfbr-1916	50	10	decrease	decrease	NOUN
asfbr-1916	50	11	,	,	PUNCT
asfbr-1916	50	12	or	or	CCONJ
asfbr-1916	50	13	keep	keep	VERB
asfbr-1916	50	14	the	the	DET
asfbr-1916	50	15	same	same	ADJ
asfbr-1916	50	16	customer	customer	NOUN
asfbr-1916	50	17	satisfaction	satisfaction	NOUN
asfbr-1916	50	18	.	.	PUNCT
asfbr-1916	51	1	figure	figure	NOUN
asfbr-1916	51	2	1	1	NUM
asfbr-1916	51	3	shows	show	VERB
asfbr-1916	51	4	the	the	DET
asfbr-1916	51	5	research	research	NOUN
asfbr-1916	51	6	framework	framework	NOUN
asfbr-1916	51	7	for	for	ADP
asfbr-1916	51	8	this	this	DET
asfbr-1916	51	9	study	study	NOUN
asfbr-1916	51	10	.	.	PUNCT
asfbr-1916	52	1	the	the	DET
asfbr-1916	52	2	central	central	ADJ
asfbr-1916	52	3	theme	theme	NOUN
asfbr-1916	52	4	of	of	ADP
asfbr-1916	52	5	the	the	DET
asfbr-1916	52	6	customer	customer	NOUN
asfbr-1916	52	7	satisfaction	satisfaction	NOUN
asfbr-1916	52	8	process	process	NOUN
asfbr-1916	52	9	is	be	AUX
asfbr-1916	52	10	the	the	DET
asfbr-1916	52	11	expectancy	expectancy	NOUN
asfbr-1916	52	12	disconfirmation	disconfirmation	NOUN
asfbr-1916	52	13	paradigm	paradigm	NOUN
asfbr-1916	52	14	(	(	PUNCT
asfbr-1916	52	15	ruyter	ruyter	NOUN
asfbr-1916	52	16	&	&	CCONJ
asfbr-1916	52	17	bloemer	bloemer	PROPN
asfbr-1916	52	18	,	,	PUNCT
asfbr-1916	52	19	1999	1999	NUM
asfbr-1916	52	20	)	)	PUNCT
asfbr-1916	52	21	.	.	PUNCT
asfbr-1916	53	1	according	accord	VERB
asfbr-1916	53	2	to	to	ADP
asfbr-1916	53	3	this	this	DET
asfbr-1916	53	4	paradigm	paradigm	NOUN
asfbr-1916	53	5	,	,	PUNCT
asfbr-1916	53	6	a	a	DET
asfbr-1916	53	7	consumer	consumer	NOUN
asfbr-1916	53	8	's	's	PART
asfbr-1916	53	9	feeling	feeling	NOUN
asfbr-1916	53	10	of	of	ADP
asfbr-1916	53	11	satisfaction	satisfaction	NOUN
asfbr-1916	53	12	results	result	NOUN
asfbr-1916	53	13	from	from	ADP
asfbr-1916	53	14	comparing	compare	VERB
asfbr-1916	53	15	a	a	DET
asfbr-1916	53	16	product	product	NOUN
asfbr-1916	53	17	or	or	CCONJ
asfbr-1916	53	18	service	service	NOUN
asfbr-1916	53	19	's	's	PART
asfbr-1916	53	20	perceived	perceive	VERB
asfbr-1916	53	21	performance	performance	NOUN
asfbr-1916	53	22	in	in	ADP
asfbr-1916	53	23	relation	relation	NOUN
asfbr-1916	53	24	to	to	ADP
asfbr-1916	53	25	his	his	PRON
asfbr-1916	53	26	or	or	CCONJ
asfbr-1916	53	27	her	her	PRON
asfbr-1916	53	28	expectations	expectation	NOUN
asfbr-1916	53	29	.	.	PUNCT
asfbr-1916	54	1	if	if	SCONJ
asfbr-1916	54	2	the	the	DET
asfbr-1916	54	3	performance	performance	NOUN
asfbr-1916	54	4	falls	fall	VERB
asfbr-1916	54	5	short	short	ADV
asfbr-1916	54	6	of	of	ADP
asfbr-1916	54	7	expectations	expectation	NOUN
asfbr-1916	54	8	,	,	PUNCT
asfbr-1916	54	9	negative	negative	ADJ
asfbr-1916	54	10	disconfirmation	disconfirmation	NOUN
asfbr-1916	54	11	occurs	occur	VERB
asfbr-1916	54	12	,	,	PUNCT
asfbr-1916	54	13	resulting	result	VERB
asfbr-1916	54	14	in	in	ADP
asfbr-1916	54	15	a	a	DET
asfbr-1916	54	16	feeling	feeling	NOUN
asfbr-1916	54	17	of	of	ADP
asfbr-1916	54	18	dissatisfaction	dissatisfaction	NOUN
asfbr-1916	54	19	.	.	PUNCT
asfbr-1916	55	1	if	if	SCONJ
asfbr-1916	55	2	the	the	DET
asfbr-1916	55	3	performance	performance	NOUN
asfbr-1916	55	4	exceeds	exceed	VERB
asfbr-1916	55	5	the	the	DET
asfbr-1916	55	6	expectations	expectation	NOUN
asfbr-1916	55	7	,	,	PUNCT
asfbr-1916	55	8	positive	positive	ADJ
asfbr-1916	55	9	disconfirmation	disconfirmation	NOUN
asfbr-1916	55	10	occurs	occur	VERB
asfbr-1916	55	11	,	,	PUNCT
asfbr-1916	55	12	and	and	CCONJ
asfbr-1916	55	13	the	the	DET
asfbr-1916	55	14	consumer	consumer	NOUN
asfbr-1916	55	15	is	be	AUX
asfbr-1916	55	16	highly	highly	ADV
asfbr-1916	55	17	satisfied	satisfied	ADJ
asfbr-1916	55	18	.	.	PUNCT
asfbr-1916	56	1	if	if	SCONJ
asfbr-1916	56	2	the	the	DET
asfbr-1916	56	3	performance	performance	NOUN
asfbr-1916	56	4	just	just	ADV
asfbr-1916	56	5	matches	match	VERB
asfbr-1916	56	6	expectations	expectation	NOUN
asfbr-1916	56	7	,	,	PUNCT
asfbr-1916	56	8	the	the	DET
asfbr-1916	56	9	consumer	consumer	NOUN
asfbr-1916	56	10	's	's	PART
asfbr-1916	56	11	expectations	expectation	NOUN
asfbr-1916	56	12	are	be	AUX
asfbr-1916	56	13	confirmed	confirm	VERB
asfbr-1916	56	14	,	,	PUNCT
asfbr-1916	56	15	and	and	CCONJ
asfbr-1916	56	16	the	the	DET
asfbr-1916	56	17	consumer	consumer	NOUN
asfbr-1916	56	18	is	be	AUX
asfbr-1916	56	19	just	just	ADV
asfbr-1916	56	20	satisfied	satisfied	ADJ
asfbr-1916	56	21	.	.	PUNCT
asfbr-1916	57	1	building	build	VERB
asfbr-1916	57	2	upon	upon	SCONJ
asfbr-1916	57	3	expectancy	expectancy	NOUN
asfbr-1916	57	4	disconfirmation	disconfirmation	NOUN
asfbr-1916	57	5	paradigm	paradigm	NOUN
asfbr-1916	57	6	,	,	PUNCT
asfbr-1916	57	7	this	this	DET
asfbr-1916	57	8	study	study	NOUN
asfbr-1916	57	9	attempt	attempt	NOUN
asfbr-1916	57	10	to	to	PART
asfbr-1916	57	11	sketch	sketch	VERB
asfbr-1916	57	12	a	a	DET
asfbr-1916	57	13	new	new	ADJ
asfbr-1916	57	14	framework	framework	NOUN
asfbr-1916	57	15	for	for	ADP
asfbr-1916	57	16	understanding	understand	VERB
asfbr-1916	57	17	whether	whether	SCONJ
asfbr-1916	57	18	reliability	reliability	NOUN
asfbr-1916	57	19	,	,	PUNCT
asfbr-1916	57	20	security	security	NOUN
asfbr-1916	57	21	,	,	PUNCT
asfbr-1916	57	22	and	and	CCONJ
asfbr-1916	57	23	perceived	perceive	VERB
asfbr-1916	57	24	usefulness	usefulness	NOUN
asfbr-1916	57	25	can	can	AUX
asfbr-1916	57	26	influence	influence	NOUN
asfbr-1916	57	27	of	of	ADP
asfbr-1916	57	28	customer	customer	NOUN
asfbr-1916	57	29	satisfaction	satisfaction	NOUN
asfbr-1916	57	30	among	among	ADP
asfbr-1916	57	31	university	university	NOUN
asfbr-1916	57	32	students	student	NOUN
asfbr-1916	57	33	in	in	ADP
asfbr-1916	57	34	malaysia	malaysia	PROPN
asfbr-1916	57	35	.	.	PUNCT
asfbr-1916	58	1	figure	figure	NOUN
asfbr-1916	58	2	1	1	NUM
asfbr-1916	58	3	.	.	PUNCT
asfbr-1916	59	1	conceptual	conceptual	ADJ
asfbr-1916	59	2	framework	framework	NOUN
asfbr-1916	59	3	effect	effect	NOUN
asfbr-1916	59	4	of	of	ADP
asfbr-1916	59	5	reliability	reliability	NOUN
asfbr-1916	59	6	on	on	ADP
asfbr-1916	59	7	customer	customer	NOUN
asfbr-1916	59	8	satisfaction	satisfaction	NOUN
asfbr-1916	59	9	reliability	reliability	NOUN
asfbr-1916	59	10	is	be	AUX
asfbr-1916	59	11	the	the	DET
asfbr-1916	59	12	ability	ability	NOUN
asfbr-1916	59	13	of	of	ADP
asfbr-1916	59	14	the	the	DET
asfbr-1916	59	15	service	service	NOUN
asfbr-1916	59	16	provider	provider	NOUN
asfbr-1916	59	17	to	to	PART
asfbr-1916	59	18	perform	perform	VERB
asfbr-1916	59	19	the	the	DET
asfbr-1916	59	20	promised	promise	VERB
asfbr-1916	59	21	services	service	NOUN
asfbr-1916	59	22	accurately	accurately	ADV
asfbr-1916	59	23	and	and	CCONJ
asfbr-1916	59	24	consistently	consistently	ADV
asfbr-1916	59	25	(	(	PUNCT
asfbr-1916	59	26	parasuraman	parasuraman	NOUN
asfbr-1916	59	27	et	et	PROPN
asfbr-1916	59	28	al	al	PROPN
asfbr-1916	59	29	.	.	PROPN
asfbr-1916	59	30	,	,	PUNCT
asfbr-1916	59	31	2002	2002	NUM
asfbr-1916	59	32	)	)	PUNCT
asfbr-1916	59	33	.	.	PUNCT
asfbr-1916	60	1	previous	previous	ADJ
asfbr-1916	60	2	studies	study	NOUN
asfbr-1916	60	3	found	find	VERB
asfbr-1916	60	4	that	that	SCONJ
asfbr-1916	60	5	the	the	DET
asfbr-1916	60	6	e	e	NOUN
asfbr-1916	60	7	-	-	ADJ
asfbr-1916	60	8	banking	banking	ADJ
asfbr-1916	60	9	service	service	NOUN
asfbr-1916	60	10	quality	quality	NOUN
asfbr-1916	60	11	directly	directly	ADV
asfbr-1916	60	12	linked	link	VERB
asfbr-1916	60	13	with	with	ADP
asfbr-1916	60	14	reliability	reliability	NOUN
asfbr-1916	60	15	features	feature	NOUN
asfbr-1916	60	16	has	have	VERB
asfbr-1916	60	17	a	a	DET
asfbr-1916	60	18	significant	significant	ADJ
asfbr-1916	60	19	effect	effect	NOUN
asfbr-1916	60	20	on	on	ADP
asfbr-1916	60	21	the	the	DET
asfbr-1916	60	22	degree	degree	NOUN
asfbr-1916	60	23	of	of	ADP
asfbr-1916	60	24	customer	customer	NOUN
asfbr-1916	60	25	satisfaction	satisfaction	NOUN
asfbr-1916	60	26	.	.	PUNCT
asfbr-1916	61	1	for	for	ADP
asfbr-1916	61	2	instance	instance	NOUN
asfbr-1916	61	3	,	,	PUNCT
asfbr-1916	61	4	ayo	ayo	PROPN
asfbr-1916	61	5	et	et	PROPN
asfbr-1916	61	6	al	al	PROPN
asfbr-1916	61	7	.	.	PUNCT
asfbr-1916	62	1	(	(	PUNCT
asfbr-1916	62	2	2016	2016	NUM
asfbr-1916	62	3	)	)	PUNCT
asfbr-1916	62	4	revealed	reveal	VERB
asfbr-1916	62	5	that	that	SCONJ
asfbr-1916	62	6	competence	competence	NOUN
asfbr-1916	62	7	of	of	ADP
asfbr-1916	62	8	eservice	eservice	ADJ
asfbr-1916	62	9	support	support	NOUN
asfbr-1916	62	10	staff	staff	NOUN
asfbr-1916	62	11	,	,	PUNCT
asfbr-1916	62	12	system	system	NOUN
asfbr-1916	62	13	availability	availability	NOUN
asfbr-1916	62	14	,	,	PUNCT
asfbr-1916	62	15	service	service	NOUN
asfbr-1916	62	16	portfolio	portfolio	NOUN
asfbr-1916	62	17	,	,	PUNCT
asfbr-1916	62	18	responsiveness	responsiveness	NOUN
asfbr-1916	62	19	and	and	CCONJ
asfbr-1916	62	20	reliability	reliability	NOUN
asfbr-1916	62	21	,	,	PUNCT
asfbr-1916	62	22	in	in	ADP
asfbr-1916	62	23	that	that	DET
asfbr-1916	62	24	order	order	NOUN
asfbr-1916	62	25	,	,	PUNCT
asfbr-1916	62	26	were	be	AUX
asfbr-1916	62	27	found	find	VERB
asfbr-1916	62	28	to	to	PART
asfbr-1916	62	29	be	be	AUX
asfbr-1916	62	30	most	most	ADV
asfbr-1916	62	31	significant	significant	ADJ
asfbr-1916	62	32	in	in	ADP
asfbr-1916	62	33	rating	rating	NOUN
asfbr-1916	62	34	e	e	NOUN
asfbr-1916	62	35	-	-	NOUN
asfbr-1916	62	36	service	service	ADJ
asfbr-1916	62	37	quality	quality	NOUN
asfbr-1916	62	38	.	.	PUNCT
asfbr-1916	63	1	these	these	DET
asfbr-1916	63	2	perceived	perceive	VERB
asfbr-1916	63	3	e	e	NOUN
asfbr-1916	63	4	-	-	NOUN
asfbr-1916	63	5	service	service	ADJ
asfbr-1916	63	6	qualities	quality	NOUN
asfbr-1916	63	7	have	have	VERB
asfbr-1916	63	8	a	a	DET
asfbr-1916	63	9	strong	strong	ADJ
asfbr-1916	63	10	influence	influence	NOUN
asfbr-1916	63	11	on	on	ADP
asfbr-1916	63	12	customer	customer	NOUN
asfbr-1916	63	13	satisfaction	satisfaction	NOUN
asfbr-1916	63	14	and	and	CCONJ
asfbr-1916	63	15	use	use	NOUN
asfbr-1916	63	16	of	of	ADP
asfbr-1916	63	17	e	e	NOUN
asfbr-1916	63	18	-	-	NOUN
asfbr-1916	63	19	banking	banking	NOUN
asfbr-1916	63	20	,	,	PUNCT
asfbr-1916	63	21	which	which	PRON
asfbr-1916	63	22	means	mean	VERB
asfbr-1916	63	23	that	that	SCONJ
asfbr-1916	63	24	greater	great	ADJ
asfbr-1916	63	25	quality	quality	NOUN
asfbr-1916	63	26	of	of	ADP
asfbr-1916	63	27	e	e	NOUN
asfbr-1916	63	28	-	-	NOUN
asfbr-1916	63	29	service	service	NOUN
asfbr-1916	63	30	has	have	VERB
asfbr-1916	63	31	the	the	DET
asfbr-1916	63	32	potential	potential	NOUN
asfbr-1916	63	33	to	to	PART
asfbr-1916	63	34	increase	increase	VERB
asfbr-1916	63	35	satisfaction	satisfaction	NOUN
asfbr-1916	63	36	and	and	CCONJ
asfbr-1916	63	37	consequently	consequently	ADV
asfbr-1916	63	38	result	result	VERB
asfbr-1916	63	39	to	to	ADP
asfbr-1916	63	40	more	more	ADJ
asfbr-1916	63	41	usage	usage	NOUN
asfbr-1916	63	42	of	of	ADP
asfbr-1916	63	43	e	e	NOUN
asfbr-1916	63	44	-	-	NOUN
asfbr-1916	63	45	banking	banking	NOUN
asfbr-1916	63	46	.	.	PUNCT
asfbr-1916	64	1	hammoud	hammoud	PROPN
asfbr-1916	64	2	et	et	PROPN
asfbr-1916	64	3	al	al	PROPN
asfbr-1916	64	4	.	.	PROPN
asfbr-1916	65	1	(	(	PUNCT
asfbr-1916	65	2	2018	2018	NUM
asfbr-1916	65	3	)	)	PUNCT
asfbr-1916	65	4	showed	show	VERB
asfbr-1916	65	5	that	that	SCONJ
asfbr-1916	65	6	reliability	reliability	NOUN
asfbr-1916	65	7	,	,	PUNCT
asfbr-1916	65	8	efficiency	efficiency	NOUN
asfbr-1916	65	9	,	,	PUNCT
asfbr-1916	65	10	and	and	CCONJ
asfbr-1916	65	11	ease	ease	NOUN
asfbr-1916	65	12	of	of	ADP
asfbr-1916	65	13	use	use	NOUN
asfbr-1916	65	14	;	;	PUNCT
asfbr-1916	65	15	responsiveness	responsiveness	NOUN
asfbr-1916	65	16	and	and	CCONJ
asfbr-1916	65	17	communication	communication	NOUN
asfbr-1916	65	18	;	;	PUNCT
asfbr-1916	65	19	and	and	CCONJ
asfbr-1916	65	20	security	security	NOUN
asfbr-1916	65	21	and	and	CCONJ
asfbr-1916	65	22	privacy	privacy	NOUN
asfbr-1916	65	23	all	all	PRON
asfbr-1916	65	24	have	have	VERB
asfbr-1916	65	25	a	a	DET
asfbr-1916	65	26	significant	significant	ADJ
asfbr-1916	65	27	impact	impact	NOUN
asfbr-1916	65	28	on	on	ADP
asfbr-1916	65	29	customer	customer	NOUN
asfbr-1916	65	30	satisfaction	satisfaction	NOUN
asfbr-1916	65	31	,	,	PUNCT
asfbr-1916	65	32	with	with	ADP
asfbr-1916	65	33	reliability	reliability	NOUN
asfbr-1916	65	34	being	be	AUX
asfbr-1916	65	35	the	the	DET
asfbr-1916	65	36	dimension	dimension	NOUN
asfbr-1916	65	37	with	with	ADP
asfbr-1916	65	38	the	the	DET
asfbr-1916	65	39	strongest	strong	ADJ
asfbr-1916	65	40	impact	impact	NOUN
asfbr-1916	65	41	among	among	ADP
asfbr-1916	65	42	bank	bank	NOUN
asfbr-1916	65	43	clients	client	NOUN
asfbr-1916	65	44	in	in	ADP
asfbr-1916	65	45	the	the	DET
asfbr-1916	65	46	lebanese	lebanese	ADJ
asfbr-1916	65	47	banking	banking	NOUN
asfbr-1916	65	48	sector	sector	NOUN
asfbr-1916	65	49	.	.	PUNCT
asfbr-1916	66	1	another	another	DET
asfbr-1916	66	2	study	study	NOUN
asfbr-1916	66	3	by	by	ADP
asfbr-1916	66	4	hussien	hussien	PROPN
asfbr-1916	66	5	and	and	CCONJ
asfbr-1916	66	6	abd	abd	PROPN
asfbr-1916	66	7	el	el	PROPN
asfbr-1916	66	8	aziz	aziz	PROPN
asfbr-1916	66	9	(	(	PUNCT
asfbr-1916	66	10	2013	2013	NUM
asfbr-1916	66	11	)	)	PUNCT
asfbr-1916	66	12	revealed	reveal	VERB
asfbr-1916	66	13	that	that	SCONJ
asfbr-1916	66	14	each	each	DET
asfbr-1916	66	15	quality	quality	NOUN
asfbr-1916	66	16	dimension	dimension	NOUN
asfbr-1916	66	17	such	such	ADJ
asfbr-1916	66	18	as	as	ADP
asfbr-1916	66	19	reliability	reliability	NOUN
asfbr-1916	66	20	directly	directly	ADV
asfbr-1916	66	21	affect	affect	VERB
asfbr-1916	66	22	user	user	NOUN
asfbr-1916	66	23	’s	’s	PART
asfbr-1916	66	24	satisfaction	satisfaction	NOUN
asfbr-1916	66	25	h1	h1	NOUN
asfbr-1916	66	26	reliability	reliability	NOUN
asfbr-1916	66	27	customer	customer	NOUN
asfbr-1916	66	28	satisfaction	satisfaction	NOUN
asfbr-1916	66	29	security	security	NOUN
asfbr-1916	66	30	h2	h2	NOUN
asfbr-1916	66	31	perceived	perceive	VERB
asfbr-1916	66	32	usefulness	usefulness	NOUN
asfbr-1916	66	33	h3	h3	NOUN
asfbr-1916	66	34	hamzah	hamzah	PROPN
asfbr-1916	66	35	et	et	PROPN
asfbr-1916	66	36	al	al	PROPN
asfbr-1916	66	37	.	.	PROPN
asfbr-1916	66	38	,	,	PUNCT
asfbr-1916	66	39	asian	asian	PROPN
asfbr-1916	66	40	finance	finance	PROPN
asfbr-1916	66	41	&	&	CCONJ
asfbr-1916	66	42	banking	banking	PROPN
asfbr-1916	66	43	review	review	NOUN
asfbr-1916	66	44	7(1	7(1	NUM
asfbr-1916	66	45	)	)	PUNCT
asfbr-1916	66	46	(	(	PUNCT
asfbr-1916	66	47	2023	2023	NUM
asfbr-1916	66	48	)	)	PUNCT
asfbr-1916	66	49	,	,	PUNCT
asfbr-1916	66	50	1	1	NUM
asfbr-1916	66	51	-	-	SYM
asfbr-1916	66	52	9	9	NUM
asfbr-1916	66	53	3	3	NUM
asfbr-1916	66	54	of	of	ADP
asfbr-1916	66	55	the	the	DET
asfbr-1916	66	56	service	service	NOUN
asfbr-1916	66	57	,	,	PUNCT
asfbr-1916	66	58	resulting	result	VERB
asfbr-1916	66	59	to	to	ADP
asfbr-1916	66	60	a	a	DET
asfbr-1916	66	61	significant	significant	ADJ
asfbr-1916	66	62	effect	effect	NOUN
asfbr-1916	66	63	on	on	ADP
asfbr-1916	66	64	customer	customer	NOUN
asfbr-1916	66	65	satisfaction	satisfaction	NOUN
asfbr-1916	66	66	.	.	PUNCT
asfbr-1916	67	1	recently	recently	ADV
asfbr-1916	67	2	,	,	PUNCT
asfbr-1916	67	3	ul	ul	INTJ
asfbr-1916	67	4	haq	haq	PROPN
asfbr-1916	67	5	and	and	CCONJ
asfbr-1916	67	6	awan	awan	PROPN
asfbr-1916	67	7	(	(	PUNCT
asfbr-1916	67	8	2020	2020	NUM
asfbr-1916	67	9	)	)	PUNCT
asfbr-1916	67	10	measured	measure	VERB
asfbr-1916	67	11	e	e	NOUN
asfbr-1916	67	12	-	-	ADJ
asfbr-1916	67	13	banking	banking	ADJ
asfbr-1916	67	14	service	service	NOUN
asfbr-1916	67	15	quality	quality	NOUN
asfbr-1916	67	16	and	and	CCONJ
asfbr-1916	67	17	its	its	PRON
asfbr-1916	67	18	impact	impact	NOUN
asfbr-1916	67	19	on	on	ADP
asfbr-1916	67	20	the	the	DET
asfbr-1916	67	21	loyalty	loyalty	NOUN
asfbr-1916	67	22	through	through	ADP
asfbr-1916	67	23	a	a	DET
asfbr-1916	67	24	mediating	mediate	VERB
asfbr-1916	67	25	impact	impact	NOUN
asfbr-1916	67	26	of	of	ADP
asfbr-1916	67	27	e	e	NOUN
asfbr-1916	67	28	-	-	ADJ
asfbr-1916	67	29	banking	banking	ADJ
asfbr-1916	67	30	satisfaction	satisfaction	NOUN
asfbr-1916	67	31	among	among	ADP
asfbr-1916	67	32	banks	bank	NOUN
asfbr-1916	67	33	’	’	PART
asfbr-1916	67	34	clients	client	NOUN
asfbr-1916	67	35	in	in	ADP
asfbr-1916	67	36	pakistan	pakistan	PROPN
asfbr-1916	67	37	during	during	ADP
asfbr-1916	67	38	covid-19	covid-19	PROPN
asfbr-1916	67	39	pandemic	pandemic	NOUN
asfbr-1916	67	40	.	.	PUNCT
asfbr-1916	68	1	they	they	PRON
asfbr-1916	68	2	found	find	VERB
asfbr-1916	68	3	that	that	SCONJ
asfbr-1916	68	4	reliability	reliability	NOUN
asfbr-1916	68	5	and	and	CCONJ
asfbr-1916	68	6	website	website	NOUN
asfbr-1916	68	7	design	design	NOUN
asfbr-1916	68	8	proved	prove	VERB
asfbr-1916	68	9	to	to	PART
asfbr-1916	68	10	increase	increase	VERB
asfbr-1916	68	11	e	e	NOUN
asfbr-1916	68	12	-	-	ADJ
asfbr-1916	68	13	banking	banking	ADJ
asfbr-1916	68	14	loyalty	loyalty	NOUN
asfbr-1916	68	15	,	,	PUNCT
asfbr-1916	68	16	the	the	DET
asfbr-1916	68	17	link	link	NOUN
asfbr-1916	68	18	between	between	ADP
asfbr-1916	68	19	e	e	NOUN
asfbr-1916	68	20	-	-	NOUN
asfbr-1916	68	21	banking	banking	ADJ
asfbr-1916	68	22	privacy	privacy	NOUN
asfbr-1916	68	23	and	and	CCONJ
asfbr-1916	68	24	security	security	NOUN
asfbr-1916	68	25	and	and	CCONJ
asfbr-1916	68	26	ebanking	ebanking	ADJ
asfbr-1916	68	27	loyalty	loyalty	NOUN
asfbr-1916	68	28	proved	prove	VERB
asfbr-1916	68	29	as	as	SCONJ
asfbr-1916	68	30	fully	fully	ADV
asfbr-1916	68	31	mediated	mediate	VERB
asfbr-1916	68	32	by	by	ADP
asfbr-1916	68	33	e	e	NOUN
asfbr-1916	68	34	-	-	ADJ
asfbr-1916	68	35	banking	banking	ADJ
asfbr-1916	68	36	satisfaction	satisfaction	NOUN
asfbr-1916	68	37	,	,	PUNCT
asfbr-1916	68	38	whereas	whereas	SCONJ
asfbr-1916	68	39	indirect	indirect	ADJ
asfbr-1916	68	40	effect	effect	NOUN
asfbr-1916	68	41	of	of	ADP
asfbr-1916	68	42	the	the	DET
asfbr-1916	68	43	reliability	reliability	NOUN
asfbr-1916	68	44	and	and	CCONJ
asfbr-1916	68	45	website	website	NOUN
asfbr-1916	68	46	design	design	NOUN
asfbr-1916	68	47	with	with	ADP
asfbr-1916	68	48	e	e	NOUN
asfbr-1916	68	49	-	-	ADJ
asfbr-1916	68	50	banking	banking	ADJ
asfbr-1916	68	51	loyalty	loyalty	NOUN
asfbr-1916	68	52	was	be	AUX
asfbr-1916	68	53	partially	partially	ADV
asfbr-1916	68	54	mediated	mediate	VERB
asfbr-1916	68	55	.	.	PUNCT
asfbr-1916	69	1	similarly	similarly	ADV
asfbr-1916	69	2	,	,	PUNCT
asfbr-1916	69	3	raza	raza	PROPN
asfbr-1916	69	4	et	et	PROPN
asfbr-1916	69	5	al	al	PROPN
asfbr-1916	69	6	.	.	PROPN
asfbr-1916	69	7	(	(	PUNCT
asfbr-1916	69	8	2020	2020	NUM
asfbr-1916	69	9	)	)	PUNCT
asfbr-1916	69	10	found	find	VERB
asfbr-1916	69	11	that	that	SCONJ
asfbr-1916	69	12	service	service	NOUN
asfbr-1916	69	13	quality	quality	NOUN
asfbr-1916	69	14	dimensions	dimension	NOUN
asfbr-1916	69	15	have	have	VERB
asfbr-1916	69	16	a	a	DET
asfbr-1916	69	17	positive	positive	ADJ
asfbr-1916	69	18	and	and	CCONJ
asfbr-1916	69	19	significant	significant	ADJ
asfbr-1916	69	20	influence	influence	NOUN
asfbr-1916	69	21	on	on	ADP
asfbr-1916	69	22	customer	customer	NOUN
asfbr-1916	69	23	satisfaction	satisfaction	NOUN
asfbr-1916	69	24	and	and	CCONJ
asfbr-1916	69	25	subsequently	subsequently	ADV
asfbr-1916	69	26	,	,	PUNCT
asfbr-1916	69	27	has	have	VERB
asfbr-1916	69	28	a	a	DET
asfbr-1916	69	29	significant	significant	ADJ
asfbr-1916	69	30	and	and	CCONJ
asfbr-1916	69	31	positive	positive	ADJ
asfbr-1916	69	32	impact	impact	NOUN
asfbr-1916	69	33	on	on	ADP
asfbr-1916	69	34	customer	customer	NOUN
asfbr-1916	69	35	loyalty	loyalty	NOUN
asfbr-1916	69	36	.	.	PUNCT
asfbr-1916	70	1	therefore	therefore	ADV
asfbr-1916	70	2	,	,	PUNCT
asfbr-1916	70	3	this	this	DET
asfbr-1916	70	4	study	study	NOUN
asfbr-1916	70	5	conjectures	conjecture	VERB
asfbr-1916	70	6	the	the	DET
asfbr-1916	70	7	following	follow	VERB
asfbr-1916	70	8	hypothesis	hypothesis	NOUN
asfbr-1916	70	9	.	.	PUNCT
asfbr-1916	71	1	h1	h1	PROPN
asfbr-1916	71	2	:	:	PUNCT
asfbr-1916	71	3	there	there	PRON
asfbr-1916	71	4	is	be	VERB
asfbr-1916	71	5	a	a	DET
asfbr-1916	71	6	significant	significant	ADJ
asfbr-1916	71	7	association	association	NOUN
asfbr-1916	71	8	between	between	ADP
asfbr-1916	71	9	reliability	reliability	NOUN
asfbr-1916	71	10	of	of	ADP
asfbr-1916	71	11	e	e	NOUN
asfbr-1916	71	12	-	-	NOUN
asfbr-1916	71	13	banking	banking	ADJ
asfbr-1916	71	14	service	service	NOUN
asfbr-1916	71	15	and	and	CCONJ
asfbr-1916	71	16	customer	customer	NOUN
asfbr-1916	71	17	satisfaction	satisfaction	NOUN
asfbr-1916	71	18	among	among	ADP
asfbr-1916	71	19	students	student	NOUN
asfbr-1916	71	20	effect	effect	NOUN
asfbr-1916	71	21	of	of	ADP
asfbr-1916	71	22	security	security	NOUN
asfbr-1916	71	23	on	on	ADP
asfbr-1916	71	24	the	the	DET
asfbr-1916	71	25	customer	customer	NOUN
asfbr-1916	71	26	satisfaction	satisfaction	NOUN
asfbr-1916	71	27	security	security	NOUN
asfbr-1916	71	28	can	can	AUX
asfbr-1916	71	29	not	not	PART
asfbr-1916	71	30	get	get	VERB
asfbr-1916	71	31	away	away	ADV
asfbr-1916	71	32	from	from	ADP
asfbr-1916	71	33	privacy	privacy	NOUN
asfbr-1916	71	34	.	.	PUNCT
asfbr-1916	72	1	privacy	privacy	NOUN
asfbr-1916	72	2	issues	issue	NOUN
asfbr-1916	72	3	have	have	AUX
asfbr-1916	72	4	been	be	AUX
asfbr-1916	72	5	shown	show	VERB
asfbr-1916	72	6	to	to	PART
asfbr-1916	72	7	be	be	AUX
asfbr-1916	72	8	an	an	DET
asfbr-1916	72	9	important	important	ADJ
asfbr-1916	72	10	barrier	barrier	NOUN
asfbr-1916	72	11	for	for	ADP
asfbr-1916	72	12	online	online	ADJ
asfbr-1916	72	13	services	service	NOUN
asfbr-1916	72	14	(	(	PUNCT
asfbr-1916	72	15	kumar	kumar	PROPN
asfbr-1916	72	16	&	&	CCONJ
asfbr-1916	72	17	gupta	gupta	PROPN
asfbr-1916	72	18	,	,	PUNCT
asfbr-1916	72	19	2020	2020	NUM
asfbr-1916	72	20	;	;	PUNCT
asfbr-1916	72	21	suresh	suresh	PROPN
asfbr-1916	72	22	&	&	CCONJ
asfbr-1916	72	23	rani	rani	PROPN
asfbr-1916	72	24	,	,	PUNCT
asfbr-1916	72	25	2021	2021	NUM
asfbr-1916	72	26	)	)	PUNCT
asfbr-1916	72	27	.	.	PUNCT
asfbr-1916	73	1	e	e	X
asfbr-1916	73	2	-	-	ADJ
asfbr-1916	73	3	banking	banking	ADJ
asfbr-1916	73	4	security	security	NOUN
asfbr-1916	73	5	is	be	AUX
asfbr-1916	73	6	defined	define	VERB
asfbr-1916	73	7	as	as	ADP
asfbr-1916	73	8	the	the	DET
asfbr-1916	73	9	threat	threat	NOUN
asfbr-1916	73	10	of	of	ADP
asfbr-1916	73	11	creating	create	VERB
asfbr-1916	73	12	a	a	DET
asfbr-1916	73	13	state	state	NOUN
asfbr-1916	73	14	,	,	PUNCT
asfbr-1916	73	15	condition	condition	NOUN
asfbr-1916	73	16	or	or	CCONJ
asfbr-1916	73	17	event	event	NOUN
asfbr-1916	73	18	with	with	ADP
asfbr-1916	73	19	the	the	DET
asfbr-1916	73	20	potential	potential	NOUN
asfbr-1916	73	21	to	to	PART
asfbr-1916	73	22	cause	cause	VERB
asfbr-1916	73	23	difficulty	difficulty	NOUN
asfbr-1916	73	24	to	to	PART
asfbr-1916	73	25	obtain	obtain	VERB
asfbr-1916	73	26	data	datum	NOUN
asfbr-1916	73	27	or	or	CCONJ
asfbr-1916	73	28	network	network	NOUN
asfbr-1916	73	29	resources	resource	NOUN
asfbr-1916	73	30	that	that	PRON
asfbr-1916	73	31	make	make	VERB
asfbr-1916	73	32	destruction	destruction	NOUN
asfbr-1916	73	33	,	,	PUNCT
asfbr-1916	73	34	disclosure	disclosure	NOUN
asfbr-1916	73	35	,	,	PUNCT
asfbr-1916	73	36	modification	modification	NOUN
asfbr-1916	73	37	of	of	ADP
asfbr-1916	73	38	data	datum	NOUN
asfbr-1916	73	39	,	,	PUNCT
asfbr-1916	73	40	fraud	fraud	NOUN
asfbr-1916	73	41	and	and	CCONJ
asfbr-1916	73	42	abuse	abuse	NOUN
asfbr-1916	73	43	(	(	PUNCT
asfbr-1916	73	44	usman	usman	PROPN
asfbr-1916	73	45	et	et	PROPN
asfbr-1916	73	46	al	al	PROPN
asfbr-1916	73	47	.	.	PROPN
asfbr-1916	73	48	,	,	PUNCT
asfbr-1916	73	49	2020	2020	NUM
asfbr-1916	73	50	)	)	PUNCT
asfbr-1916	73	51	.	.	PUNCT
asfbr-1916	74	1	according	accord	VERB
asfbr-1916	74	2	to	to	ADP
asfbr-1916	74	3	kumar	kumar	PROPN
asfbr-1916	74	4	and	and	CCONJ
asfbr-1916	74	5	gupta	gupta	PROPN
asfbr-1916	74	6	(	(	PUNCT
asfbr-1916	74	7	2020	2020	NUM
asfbr-1916	74	8	)	)	PUNCT
asfbr-1916	74	9	,	,	PUNCT
asfbr-1916	74	10	security	security	NOUN
asfbr-1916	74	11	means	mean	VERB
asfbr-1916	74	12	the	the	DET
asfbr-1916	74	13	concerns	concern	NOUN
asfbr-1916	74	14	about	about	ADP
asfbr-1916	74	15	the	the	DET
asfbr-1916	74	16	guarding	guarding	NOUN
asfbr-1916	74	17	of	of	ADP
asfbr-1916	74	18	private	private	ADJ
asfbr-1916	74	19	information	information	NOUN
asfbr-1916	74	20	with	with	ADP
asfbr-1916	74	21	three	three	NUM
asfbr-1916	74	22	specific	specific	ADJ
asfbr-1916	74	23	objectives	objective	NOUN
asfbr-1916	74	24	,	,	PUNCT
asfbr-1916	74	25	namely	namely	ADV
asfbr-1916	74	26	integrity	integrity	NOUN
asfbr-1916	74	27	,	,	PUNCT
asfbr-1916	74	28	authentication	authentication	NOUN
asfbr-1916	74	29	and	and	CCONJ
asfbr-1916	74	30	confidentiality	confidentiality	NOUN
asfbr-1916	74	31	.	.	PUNCT
asfbr-1916	75	1	when	when	SCONJ
asfbr-1916	75	2	customers	customer	NOUN
asfbr-1916	75	3	decide	decide	VERB
asfbr-1916	75	4	to	to	PART
asfbr-1916	75	5	use	use	VERB
asfbr-1916	75	6	e	e	NOUN
asfbr-1916	75	7	-	-	ADJ
asfbr-1916	75	8	banking	banking	ADJ
asfbr-1916	75	9	services	service	NOUN
asfbr-1916	75	10	,	,	PUNCT
asfbr-1916	75	11	indirectly	indirectly	ADV
asfbr-1916	75	12	they	they	PRON
asfbr-1916	75	13	have	have	AUX
asfbr-1916	75	14	actually	actually	ADV
asfbr-1916	75	15	been	be	AUX
asfbr-1916	75	16	exposed	expose	VERB
asfbr-1916	75	17	to	to	ADP
asfbr-1916	75	18	security	security	NOUN
asfbr-1916	75	19	risk	risk	NOUN
asfbr-1916	75	20	(	(	PUNCT
asfbr-1916	75	21	martins	martin	NOUN
asfbr-1916	75	22	et	et	NOUN
asfbr-1916	75	23	al	al	PROPN
asfbr-1916	75	24	.	.	PROPN
asfbr-1916	75	25	,	,	PUNCT
asfbr-1916	75	26	2014	2014	NUM
asfbr-1916	75	27	)	)	PUNCT
asfbr-1916	75	28	.	.	PUNCT
asfbr-1916	76	1	customers	customer	NOUN
asfbr-1916	76	2	are	be	AUX
asfbr-1916	76	3	susceptible	susceptible	ADJ
asfbr-1916	76	4	to	to	ADP
asfbr-1916	76	5	harm	harm	NOUN
asfbr-1916	76	6	since	since	SCONJ
asfbr-1916	76	7	they	they	PRON
asfbr-1916	76	8	provide	provide	VERB
asfbr-1916	76	9	sensitive	sensitive	ADJ
asfbr-1916	76	10	information	information	NOUN
asfbr-1916	76	11	,	,	PUNCT
asfbr-1916	76	12	such	such	ADJ
asfbr-1916	76	13	as	as	ADP
asfbr-1916	76	14	debit	debit	NOUN
asfbr-1916	76	15	and	and	CCONJ
asfbr-1916	76	16	credit	credit	NOUN
asfbr-1916	76	17	card	card	NOUN
asfbr-1916	76	18	information	information	NOUN
asfbr-1916	76	19	,	,	PUNCT
asfbr-1916	76	20	unique	unique	ADJ
asfbr-1916	76	21	identification	identification	NOUN
asfbr-1916	76	22	numbers	number	NOUN
asfbr-1916	76	23	,	,	PUNCT
asfbr-1916	76	24	contact	contact	NOUN
asfbr-1916	76	25	number	number	NOUN
asfbr-1916	76	26	,	,	PUNCT
asfbr-1916	76	27	email	email	NOUN
asfbr-1916	76	28	ids	id	NOUN
asfbr-1916	76	29	,	,	PUNCT
asfbr-1916	76	30	when	when	SCONJ
asfbr-1916	76	31	undertaking	undertake	VERB
asfbr-1916	76	32	online	online	ADJ
asfbr-1916	76	33	transactions	transaction	NOUN
asfbr-1916	76	34	.	.	PUNCT
asfbr-1916	77	1	it	it	PRON
asfbr-1916	77	2	should	should	AUX
asfbr-1916	77	3	be	be	AUX
asfbr-1916	77	4	noted	note	VERB
asfbr-1916	77	5	that	that	SCONJ
asfbr-1916	77	6	the	the	PRON
asfbr-1916	77	7	lower	low	ADJ
asfbr-1916	77	8	the	the	DET
asfbr-1916	77	9	perceived	perceive	VERB
asfbr-1916	77	10	security	security	NOUN
asfbr-1916	77	11	risk	risk	NOUN
asfbr-1916	77	12	involved	involve	VERB
asfbr-1916	77	13	in	in	ADP
asfbr-1916	77	14	the	the	DET
asfbr-1916	77	15	use	use	NOUN
asfbr-1916	77	16	of	of	ADP
asfbr-1916	77	17	e	e	NOUN
asfbr-1916	77	18	-	-	NOUN
asfbr-1916	77	19	banking	banking	NOUN
asfbr-1916	77	20	,	,	PUNCT
asfbr-1916	77	21	the	the	PRON
asfbr-1916	77	22	more	more	ADV
asfbr-1916	77	23	likely	likely	ADJ
asfbr-1916	77	24	an	an	DET
asfbr-1916	77	25	individual	individual	NOUN
asfbr-1916	77	26	will	will	AUX
asfbr-1916	77	27	be	be	AUX
asfbr-1916	77	28	willing	willing	ADJ
asfbr-1916	77	29	to	to	PART
asfbr-1916	77	30	use	use	VERB
asfbr-1916	77	31	it	it	PRON
asfbr-1916	77	32	(	(	PUNCT
asfbr-1916	77	33	farzianpour	farzianpour	NOUN
asfbr-1916	77	34	et	et	PROPN
asfbr-1916	77	35	al	al	PROPN
asfbr-1916	77	36	.	.	PROPN
asfbr-1916	77	37	,	,	PUNCT
asfbr-1916	77	38	2014	2014	NUM
asfbr-1916	77	39	)	)	PUNCT
asfbr-1916	77	40	.	.	PUNCT
asfbr-1916	78	1	some	some	DET
asfbr-1916	78	2	authors	author	NOUN
asfbr-1916	78	3	believed	believe	VERB
asfbr-1916	78	4	that	that	SCONJ
asfbr-1916	78	5	for	for	ADP
asfbr-1916	78	6	a	a	DET
asfbr-1916	78	7	large	large	ADJ
asfbr-1916	78	8	client	client	NOUN
asfbr-1916	78	9	-	-	PUNCT
asfbr-1916	78	10	based	base	VERB
asfbr-1916	78	11	banks	bank	NOUN
asfbr-1916	78	12	,	,	PUNCT
asfbr-1916	78	13	they	they	PRON
asfbr-1916	78	14	need	need	VERB
asfbr-1916	78	15	to	to	PART
asfbr-1916	78	16	guarantee	guarantee	VERB
asfbr-1916	78	17	the	the	DET
asfbr-1916	78	18	customers	customer	NOUN
asfbr-1916	78	19	’	’	PART
asfbr-1916	78	20	trust	trust	NOUN
asfbr-1916	78	21	in	in	ADP
asfbr-1916	78	22	the	the	DET
asfbr-1916	78	23	quality	quality	NOUN
asfbr-1916	78	24	of	of	ADP
asfbr-1916	78	25	technology	technology	NOUN
asfbr-1916	78	26	used	use	VERB
asfbr-1916	78	27	by	by	ADP
asfbr-1916	78	28	the	the	DET
asfbr-1916	78	29	bank	bank	NOUN
asfbr-1916	78	30	.	.	PUNCT
asfbr-1916	79	1	among	among	ADP
asfbr-1916	79	2	the	the	DET
asfbr-1916	79	3	basic	basic	ADJ
asfbr-1916	79	4	attributes	attribute	NOUN
asfbr-1916	79	5	listed	list	VERB
asfbr-1916	79	6	,	,	PUNCT
asfbr-1916	79	7	service	service	NOUN
asfbr-1916	79	8	protection	protection	NOUN
asfbr-1916	79	9	is	be	AUX
asfbr-1916	79	10	specified	specify	VERB
asfbr-1916	79	11	.	.	PUNCT
asfbr-1916	80	1	service	service	NOUN
asfbr-1916	80	2	protection	protection	NOUN
asfbr-1916	80	3	is	be	AUX
asfbr-1916	80	4	basically	basically	ADV
asfbr-1916	80	5	protecting	protect	VERB
asfbr-1916	80	6	the	the	DET
asfbr-1916	80	7	secrecy	secrecy	NOUN
asfbr-1916	80	8	of	of	ADP
asfbr-1916	80	9	personal	personal	ADJ
asfbr-1916	80	10	and	and	CCONJ
asfbr-1916	80	11	sensitive	sensitive	ADJ
asfbr-1916	80	12	data	datum	NOUN
asfbr-1916	80	13	,	,	PUNCT
asfbr-1916	80	14	as	as	ADV
asfbr-1916	80	15	well	well	ADV
asfbr-1916	80	16	as	as	ADP
asfbr-1916	80	17	transactions	transaction	NOUN
asfbr-1916	80	18	of	of	ADP
asfbr-1916	80	19	customers	customer	NOUN
asfbr-1916	80	20	and	and	CCONJ
asfbr-1916	80	21	banks	bank	NOUN
asfbr-1916	80	22	(	(	PUNCT
asfbr-1916	80	23	novickytė	novickytė	NOUN
asfbr-1916	80	24	&	&	CCONJ
asfbr-1916	80	25	pedroja	pedroja	PROPN
asfbr-1916	80	26	,	,	PUNCT
asfbr-1916	80	27	2015	2015	NUM
asfbr-1916	80	28	)	)	PUNCT
asfbr-1916	80	29	.	.	PUNCT
asfbr-1916	81	1	previous	previous	ADJ
asfbr-1916	81	2	studies	study	NOUN
asfbr-1916	81	3	have	have	AUX
asfbr-1916	81	4	shown	show	VERB
asfbr-1916	81	5	that	that	SCONJ
asfbr-1916	81	6	data	datum	NOUN
asfbr-1916	81	7	protection	protection	NOUN
asfbr-1916	81	8	is	be	AUX
asfbr-1916	81	9	one	one	NUM
asfbr-1916	81	10	of	of	ADP
asfbr-1916	81	11	the	the	DET
asfbr-1916	81	12	main	main	ADJ
asfbr-1916	81	13	indicators	indicator	NOUN
asfbr-1916	81	14	of	of	ADP
asfbr-1916	81	15	customer	customer	NOUN
asfbr-1916	81	16	satisfaction	satisfaction	NOUN
asfbr-1916	81	17	with	with	ADP
asfbr-1916	81	18	e	e	NOUN
asfbr-1916	81	19	-	-	NOUN
asfbr-1916	81	20	banking	banking	NOUN
asfbr-1916	81	21	(	(	PUNCT
asfbr-1916	81	22	novickytė	novickytė	NOUN
asfbr-1916	81	23	&	&	CCONJ
asfbr-1916	81	24	pedroja	pedroja	PROPN
asfbr-1916	81	25	,	,	PUNCT
asfbr-1916	81	26	2015	2015	NUM
asfbr-1916	81	27	)	)	PUNCT
asfbr-1916	81	28	.	.	PUNCT
asfbr-1916	82	1	a	a	DET
asfbr-1916	82	2	study	study	NOUN
asfbr-1916	82	3	done	do	VERB
asfbr-1916	82	4	by	by	ADP
asfbr-1916	82	5	chen	chen	PROPN
asfbr-1916	82	6	et	et	PROPN
asfbr-1916	82	7	al	al	PROPN
asfbr-1916	82	8	.	.	PROPN
asfbr-1916	82	9	(	(	PUNCT
asfbr-1916	82	10	2012	2012	NUM
asfbr-1916	82	11	)	)	PUNCT
asfbr-1916	82	12	revealed	reveal	VERB
asfbr-1916	82	13	that	that	SCONJ
asfbr-1916	82	14	customers	customer	NOUN
asfbr-1916	82	15	are	be	AUX
asfbr-1916	82	16	inclined	incline	VERB
asfbr-1916	82	17	in	in	ADP
asfbr-1916	82	18	having	have	VERB
asfbr-1916	82	19	higher	high	ADJ
asfbr-1916	82	20	expectations	expectation	NOUN
asfbr-1916	82	21	for	for	ADP
asfbr-1916	82	22	user	user	NOUN
asfbr-1916	82	23	-	-	PUNCT
asfbr-1916	82	24	friendly	friendly	ADJ
asfbr-1916	82	25	interface	interface	NOUN
asfbr-1916	82	26	and	and	CCONJ
asfbr-1916	82	27	internet	internet	NOUN
asfbr-1916	82	28	transactions	transaction	NOUN
asfbr-1916	82	29	security	security	NOUN
asfbr-1916	82	30	.	.	PUNCT
asfbr-1916	83	1	therefore	therefore	ADV
asfbr-1916	83	2	,	,	PUNCT
asfbr-1916	83	3	banks	bank	NOUN
asfbr-1916	83	4	in	in	ADP
asfbr-1916	83	5	taiwan	taiwan	PROPN
asfbr-1916	83	6	are	be	AUX
asfbr-1916	83	7	constantly	constantly	ADV
asfbr-1916	83	8	improving	improve	VERB
asfbr-1916	83	9	technologies	technology	NOUN
asfbr-1916	83	10	and	and	CCONJ
asfbr-1916	83	11	protect	protect	VERB
asfbr-1916	83	12	themselves	themselves	PRON
asfbr-1916	83	13	against	against	ADP
asfbr-1916	83	14	potential	potential	ADJ
asfbr-1916	83	15	hacking	hack	VERB
asfbr-1916	83	16	attack	attack	NOUN
asfbr-1916	83	17	.	.	PUNCT
asfbr-1916	84	1	in	in	ADP
asfbr-1916	84	2	slovakia	slovakia	PROPN
asfbr-1916	84	3	,	,	PUNCT
asfbr-1916	84	4	belás	belás	X
asfbr-1916	84	5	et	et	PROPN
asfbr-1916	84	6	al	al	PROPN
asfbr-1916	84	7	.	.	PUNCT
asfbr-1916	85	1	(	(	PUNCT
asfbr-1916	85	2	2016	2016	NUM
asfbr-1916	85	3	)	)	PUNCT
asfbr-1916	85	4	confirmed	confirm	VERB
asfbr-1916	85	5	that	that	SCONJ
asfbr-1916	85	6	security	security	NOUN
asfbr-1916	85	7	issue	issue	NOUN
asfbr-1916	85	8	has	have	AUX
asfbr-1916	85	9	become	become	VERB
asfbr-1916	85	10	crucial	crucial	ADJ
asfbr-1916	85	11	element	element	NOUN
asfbr-1916	85	12	when	when	SCONJ
asfbr-1916	85	13	it	it	PRON
asfbr-1916	85	14	comes	come	VERB
asfbr-1916	85	15	to	to	ADP
asfbr-1916	85	16	banking	banking	NOUN
asfbr-1916	85	17	activities	activity	NOUN
asfbr-1916	85	18	as	as	SCONJ
asfbr-1916	85	19	90	90	NUM
asfbr-1916	85	20	percent	percent	NOUN
asfbr-1916	85	21	of	of	ADP
asfbr-1916	85	22	the	the	DET
asfbr-1916	85	23	respondents	respondent	NOUN
asfbr-1916	85	24	used	use	VERB
asfbr-1916	85	25	ebanking	ebanking	NOUN
asfbr-1916	85	26	services	service	NOUN
asfbr-1916	85	27	and	and	CCONJ
asfbr-1916	85	28	78.19	78.19	NUM
asfbr-1916	85	29	percent	percent	NOUN
asfbr-1916	85	30	being	be	AUX
asfbr-1916	85	31	the	the	DET
asfbr-1916	85	32	overall	overall	ADJ
asfbr-1916	85	33	level	level	NOUN
asfbr-1916	85	34	of	of	ADP
asfbr-1916	85	35	trust	trust	NOUN
asfbr-1916	85	36	in	in	ADP
asfbr-1916	85	37	electronic	electronic	ADJ
asfbr-1916	85	38	payments	payment	NOUN
asfbr-1916	85	39	security	security	NOUN
asfbr-1916	85	40	.	.	PUNCT
asfbr-1916	86	1	ul	ul	INTJ
asfbr-1916	86	2	haq	haq	PROPN
asfbr-1916	86	3	and	and	CCONJ
asfbr-1916	86	4	awan	awan	PROPN
asfbr-1916	86	5	(	(	PUNCT
asfbr-1916	86	6	2020	2020	NUM
asfbr-1916	86	7	)	)	PUNCT
asfbr-1916	86	8	found	find	VERB
asfbr-1916	86	9	that	that	SCONJ
asfbr-1916	86	10	the	the	DET
asfbr-1916	86	11	link	link	NOUN
asfbr-1916	86	12	between	between	ADP
asfbr-1916	86	13	e	e	NOUN
asfbr-1916	86	14	-	-	NOUN
asfbr-1916	86	15	banking	banking	ADJ
asfbr-1916	86	16	privacy	privacy	NOUN
asfbr-1916	86	17	and	and	CCONJ
asfbr-1916	86	18	security	security	NOUN
asfbr-1916	86	19	towards	towards	ADP
asfbr-1916	86	20	e	e	NOUN
asfbr-1916	86	21	-	-	NOUN
asfbr-1916	86	22	banking	banking	ADJ
asfbr-1916	86	23	loyalty	loyalty	NOUN
asfbr-1916	86	24	was	be	AUX
asfbr-1916	86	25	proved	prove	VERB
asfbr-1916	86	26	as	as	ADP
asfbr-1916	86	27	fully	fully	ADV
asfbr-1916	86	28	mediated	mediate	VERB
asfbr-1916	86	29	by	by	ADP
asfbr-1916	86	30	ebanking	ebanking	ADJ
asfbr-1916	86	31	satisfaction	satisfaction	NOUN
asfbr-1916	86	32	.	.	PUNCT
asfbr-1916	87	1	this	this	DET
asfbr-1916	87	2	result	result	NOUN
asfbr-1916	87	3	implies	imply	VERB
asfbr-1916	87	4	that	that	SCONJ
asfbr-1916	87	5	customer	customer	NOUN
asfbr-1916	87	6	give	give	VERB
asfbr-1916	87	7	importance	importance	NOUN
asfbr-1916	87	8	to	to	PART
asfbr-1916	87	9	secure	secure	VERB
asfbr-1916	87	10	e	e	NOUN
asfbr-1916	87	11	-	-	ADJ
asfbr-1916	87	12	banking	banking	ADJ
asfbr-1916	87	13	platforms	platform	NOUN
asfbr-1916	87	14	.	.	PUNCT
asfbr-1916	88	1	based	base	VERB
asfbr-1916	88	2	on	on	ADP
asfbr-1916	88	3	this	this	DET
asfbr-1916	88	4	discussion	discussion	NOUN
asfbr-1916	88	5	,	,	PUNCT
asfbr-1916	88	6	this	this	DET
asfbr-1916	88	7	study	study	NOUN
asfbr-1916	88	8	assumes	assume	VERB
asfbr-1916	88	9	the	the	DET
asfbr-1916	88	10	following	follow	VERB
asfbr-1916	88	11	hypothesis	hypothesis	NOUN
asfbr-1916	88	12	.	.	PUNCT
asfbr-1916	89	1	h2	h2	PROPN
asfbr-1916	89	2	:	:	PUNCT
asfbr-1916	89	3	there	there	PRON
asfbr-1916	89	4	is	be	VERB
asfbr-1916	89	5	a	a	DET
asfbr-1916	89	6	significant	significant	ADJ
asfbr-1916	89	7	association	association	NOUN
asfbr-1916	89	8	between	between	ADP
asfbr-1916	89	9	security	security	NOUN
asfbr-1916	89	10	of	of	ADP
asfbr-1916	89	11	e	e	NOUN
asfbr-1916	89	12	-	-	NOUN
asfbr-1916	89	13	banking	banking	ADJ
asfbr-1916	89	14	service	service	NOUN
asfbr-1916	89	15	and	and	CCONJ
asfbr-1916	89	16	customer	customer	NOUN
asfbr-1916	89	17	satisfaction	satisfaction	NOUN
asfbr-1916	89	18	among	among	ADP
asfbr-1916	89	19	students	student	NOUN
asfbr-1916	89	20	effect	effect	NOUN
asfbr-1916	89	21	of	of	ADP
asfbr-1916	89	22	perceived	perceive	VERB
asfbr-1916	89	23	usefulness	usefulness	NOUN
asfbr-1916	89	24	on	on	ADP
asfbr-1916	89	25	the	the	DET
asfbr-1916	89	26	customer	customer	NOUN
asfbr-1916	89	27	satisfaction	satisfaction	NOUN
asfbr-1916	89	28	perceived	perceive	VERB
asfbr-1916	89	29	usefulness	usefulness	NOUN
asfbr-1916	89	30	is	be	AUX
asfbr-1916	89	31	the	the	DET
asfbr-1916	89	32	subjective	subjective	ADJ
asfbr-1916	89	33	probability	probability	NOUN
asfbr-1916	89	34	that	that	SCONJ
asfbr-1916	89	35	the	the	DET
asfbr-1916	89	36	application	application	NOUN
asfbr-1916	89	37	of	of	ADP
asfbr-1916	89	38	a	a	DET
asfbr-1916	89	39	new	new	ADJ
asfbr-1916	89	40	technology	technology	NOUN
asfbr-1916	89	41	would	would	AUX
asfbr-1916	89	42	improve	improve	VERB
asfbr-1916	89	43	the	the	DET
asfbr-1916	89	44	way	way	NOUN
asfbr-1916	89	45	a	a	DET
asfbr-1916	89	46	user	user	NOUN
asfbr-1916	89	47	could	could	AUX
asfbr-1916	89	48	complete	complete	VERB
asfbr-1916	89	49	a	a	DET
asfbr-1916	89	50	given	give	VERB
asfbr-1916	89	51	task	task	NOUN
asfbr-1916	89	52	(	(	PUNCT
asfbr-1916	89	53	akinyemi	akinyemi	ADV
asfbr-1916	89	54	et	et	PROPN
asfbr-1916	89	55	al	al	PROPN
asfbr-1916	89	56	.	.	PROPN
asfbr-1916	89	57	,	,	PUNCT
asfbr-1916	89	58	2013	2013	NUM
asfbr-1916	89	59	)	)	PUNCT
asfbr-1916	89	60	.	.	PUNCT
asfbr-1916	90	1	in	in	ADP
asfbr-1916	90	2	other	other	ADJ
asfbr-1916	90	3	words	word	NOUN
asfbr-1916	90	4	,	,	PUNCT
asfbr-1916	90	5	when	when	SCONJ
asfbr-1916	90	6	dealing	deal	VERB
asfbr-1916	90	7	with	with	ADP
asfbr-1916	90	8	e	e	NOUN
asfbr-1916	90	9	-	-	NOUN
asfbr-1916	90	10	banking	banking	NOUN
asfbr-1916	90	11	,	,	PUNCT
asfbr-1916	90	12	the	the	DET
asfbr-1916	90	13	superiority	superiority	NOUN
asfbr-1916	90	14	of	of	ADP
asfbr-1916	90	15	internet	internet	NOUN
asfbr-1916	90	16	banking	banking	NOUN
asfbr-1916	90	17	compared	compare	VERB
asfbr-1916	90	18	to	to	ADP
asfbr-1916	90	19	conventional	conventional	ADJ
asfbr-1916	90	20	or	or	CCONJ
asfbr-1916	90	21	regular	regular	ADJ
asfbr-1916	90	22	banking	banking	NOUN
asfbr-1916	90	23	methods	method	NOUN
asfbr-1916	90	24	.	.	PUNCT
asfbr-1916	91	1	for	for	ADP
asfbr-1916	91	2	instance	instance	NOUN
asfbr-1916	91	3	,	,	PUNCT
asfbr-1916	91	4	customers	customer	NOUN
asfbr-1916	91	5	who	who	PRON
asfbr-1916	91	6	are	be	AUX
asfbr-1916	91	7	busy	busy	ADJ
asfbr-1916	91	8	and	and	CCONJ
asfbr-1916	91	9	have	have	VERB
asfbr-1916	91	10	tight	tight	ADJ
asfbr-1916	91	11	schedule	schedule	NOUN
asfbr-1916	91	12	,	,	PUNCT
asfbr-1916	91	13	having	have	VERB
asfbr-1916	91	14	the	the	DET
asfbr-1916	91	15	flexibility	flexibility	NOUN
asfbr-1916	91	16	of	of	ADP
asfbr-1916	91	17	bank	bank	NOUN
asfbr-1916	91	18	transactions	transaction	NOUN
asfbr-1916	91	19	through	through	ADP
asfbr-1916	91	20	internet	internet	NOUN
asfbr-1916	91	21	access	access	NOUN
asfbr-1916	91	22	is	be	AUX
asfbr-1916	91	23	an	an	DET
asfbr-1916	91	24	advantage	advantage	NOUN
asfbr-1916	91	25	,	,	PUNCT
asfbr-1916	91	26	as	as	SCONJ
asfbr-1916	91	27	the	the	DET
asfbr-1916	91	28	perceived	perceive	VERB
asfbr-1916	91	29	usefulness	usefulness	NOUN
asfbr-1916	91	30	has	have	VERB
asfbr-1916	91	31	a	a	DET
asfbr-1916	91	32	potential	potential	ADJ
asfbr-1916	91	33	effect	effect	NOUN
asfbr-1916	91	34	on	on	ADP
asfbr-1916	91	35	the	the	DET
asfbr-1916	91	36	usage	usage	NOUN
asfbr-1916	91	37	of	of	ADP
asfbr-1916	91	38	e	e	NOUN
asfbr-1916	91	39	-	-	NOUN
asfbr-1916	91	40	banking	banking	NOUN
asfbr-1916	91	41	(	(	PUNCT
asfbr-1916	91	42	enaizan	enaizan	NOUN
asfbr-1916	91	43	et	et	PROPN
asfbr-1916	91	44	al	al	PROPN
asfbr-1916	91	45	.	.	PROPN
asfbr-1916	91	46	,	,	PUNCT
asfbr-1916	91	47	2017	2017	NUM
asfbr-1916	91	48	)	)	PUNCT
asfbr-1916	91	49	.	.	PUNCT
asfbr-1916	92	1	in	in	ADP
asfbr-1916	92	2	the	the	DET
asfbr-1916	92	3	context	context	NOUN
asfbr-1916	92	4	of	of	ADP
asfbr-1916	92	5	this	this	DET
asfbr-1916	92	6	study	study	NOUN
asfbr-1916	92	7	,	,	PUNCT
asfbr-1916	92	8	perceived	perceive	VERB
asfbr-1916	92	9	usefulness	usefulness	NOUN
asfbr-1916	92	10	implies	imply	VERB
asfbr-1916	92	11	the	the	DET
asfbr-1916	92	12	extent	extent	NOUN
asfbr-1916	92	13	to	to	PART
asfbr-1916	92	14	which	which	PRON
asfbr-1916	92	15	bank	bank	NOUN
asfbr-1916	92	16	customers	customer	NOUN
asfbr-1916	92	17	believe	believe	VERB
asfbr-1916	92	18	e	e	NOUN
asfbr-1916	92	19	-	-	ADJ
asfbr-1916	92	20	banking	banking	ADJ
asfbr-1916	92	21	services	service	NOUN
asfbr-1916	92	22	will	will	AUX
asfbr-1916	92	23	be	be	AUX
asfbr-1916	92	24	useful	useful	ADJ
asfbr-1916	92	25	in	in	ADP
asfbr-1916	92	26	the	the	DET
asfbr-1916	92	27	fulfilment	fulfilment	NOUN
asfbr-1916	92	28	of	of	ADP
asfbr-1916	92	29	their	their	PRON
asfbr-1916	92	30	banking	banking	NOUN
asfbr-1916	92	31	needs	need	NOUN
asfbr-1916	92	32	.	.	PUNCT
asfbr-1916	93	1	past	past	ADJ
asfbr-1916	93	2	studies	study	NOUN
asfbr-1916	93	3	such	such	ADJ
asfbr-1916	93	4	as	as	ADP
asfbr-1916	93	5	liébana	liébana	NOUN
asfbr-1916	93	6	-	-	PUNCT
asfbr-1916	93	7	cabanillas	cabanilla	NOUN
asfbr-1916	93	8	et	et	PROPN
asfbr-1916	93	9	al	al	PROPN
asfbr-1916	93	10	.	.	PROPN
asfbr-1916	94	1	(	(	PUNCT
asfbr-1916	94	2	2013	2013	NUM
asfbr-1916	94	3	)	)	PUNCT
asfbr-1916	94	4	revealed	reveal	VERB
asfbr-1916	94	5	that	that	SCONJ
asfbr-1916	94	6	usefulness	usefulness	NOUN
asfbr-1916	94	7	and	and	CCONJ
asfbr-1916	94	8	accessibility	accessibility	NOUN
asfbr-1916	94	9	constructs	construct	NOUN
asfbr-1916	94	10	have	have	VERB
asfbr-1916	94	11	direct	direct	ADJ
asfbr-1916	94	12	influence	influence	NOUN
asfbr-1916	94	13	on	on	ADP
asfbr-1916	94	14	customer	customer	NOUN
asfbr-1916	94	15	satisfaction	satisfaction	NOUN
asfbr-1916	94	16	.	.	PUNCT
asfbr-1916	95	1	other	other	ADJ
asfbr-1916	95	2	studies	study	NOUN
asfbr-1916	95	3	done	do	VERB
asfbr-1916	95	4	in	in	ADP
asfbr-1916	95	5	jordan	jordan	PROPN
asfbr-1916	95	6	by	by	ADP
asfbr-1916	95	7	abu	abu	PROPN
asfbr-1916	95	8	-	-	PUNCT
asfbr-1916	95	9	assi	assi	PROPN
asfbr-1916	95	10	et	et	PROPN
asfbr-1916	95	11	al	al	PROPN
asfbr-1916	95	12	.	.	PROPN
asfbr-1916	95	13	(	(	PUNCT
asfbr-1916	95	14	2014	2014	NUM
asfbr-1916	95	15	)	)	PUNCT
asfbr-1916	95	16	and	and	CCONJ
asfbr-1916	95	17	rawwash	rawwash	VERB
asfbr-1916	95	18	et	et	PROPN
asfbr-1916	95	19	al	al	PROPN
asfbr-1916	95	20	.	.	PROPN
asfbr-1916	95	21	(	(	PUNCT
asfbr-1916	95	22	2020	2020	NUM
asfbr-1916	95	23	)	)	PUNCT
asfbr-1916	95	24	showed	show	VERB
asfbr-1916	95	25	consistency	consistency	NOUN
asfbr-1916	95	26	in	in	ADP
asfbr-1916	95	27	terms	term	NOUN
asfbr-1916	95	28	of	of	ADP
asfbr-1916	95	29	findings	finding	NOUN
asfbr-1916	95	30	that	that	PRON
asfbr-1916	95	31	satisfaction	satisfaction	NOUN
asfbr-1916	95	32	in	in	ADP
asfbr-1916	95	33	using	use	VERB
asfbr-1916	95	34	e	e	NOUN
asfbr-1916	95	35	-	-	ADJ
asfbr-1916	95	36	banking	banking	ADJ
asfbr-1916	95	37	services	service	NOUN
asfbr-1916	95	38	by	by	ADP
asfbr-1916	95	39	customers	customer	NOUN
asfbr-1916	95	40	is	be	AUX
asfbr-1916	95	41	positively	positively	ADV
asfbr-1916	95	42	influenced	influence	VERB
asfbr-1916	95	43	by	by	ADP
asfbr-1916	95	44	perceived	perceive	VERB
asfbr-1916	95	45	usefulness	usefulness	NOUN
asfbr-1916	95	46	.	.	PUNCT
asfbr-1916	96	1	in	in	ADP
asfbr-1916	96	2	the	the	DET
asfbr-1916	96	3	context	context	NOUN
asfbr-1916	96	4	of	of	ADP
asfbr-1916	96	5	e	e	NOUN
asfbr-1916	96	6	-	-	NOUN
asfbr-1916	96	7	banking	banking	ADJ
asfbr-1916	96	8	users	user	NOUN
asfbr-1916	96	9	in	in	ADP
asfbr-1916	96	10	jakarta	jakarta	PROPN
asfbr-1916	96	11	,	,	PUNCT
asfbr-1916	96	12	indonesia	indonesia	PROPN
asfbr-1916	96	13	,	,	PUNCT
asfbr-1916	96	14	andrea	andrea	PROPN
asfbr-1916	96	15	et	et	PROPN
asfbr-1916	96	16	al	al	PROPN
asfbr-1916	96	17	.	.	PROPN
asfbr-1916	97	1	(	(	PUNCT
asfbr-1916	97	2	2021	2021	NUM
asfbr-1916	97	3	)	)	PUNCT
asfbr-1916	97	4	found	find	VERB
asfbr-1916	97	5	that	that	SCONJ
asfbr-1916	97	6	perceived	perceive	VERB
asfbr-1916	97	7	usefulness	usefulness	NOUN
asfbr-1916	97	8	,	,	PUNCT
asfbr-1916	97	9	perceived	perceive	VERB
asfbr-1916	97	10	ease	ease	NOUN
asfbr-1916	97	11	of	of	ADP
asfbr-1916	97	12	use	use	NOUN
asfbr-1916	97	13	,	,	PUNCT
asfbr-1916	97	14	and	and	CCONJ
asfbr-1916	97	15	technology	technology	NOUN
asfbr-1916	97	16	readiness	readiness	NOUN
asfbr-1916	97	17	having	have	VERB
asfbr-1916	97	18	significant	significant	ADJ
asfbr-1916	97	19	effect	effect	NOUN
asfbr-1916	97	20	on	on	ADP
asfbr-1916	97	21	the	the	DET
asfbr-1916	97	22	customer	customer	NOUN
asfbr-1916	97	23	satisfaction	satisfaction	NOUN
asfbr-1916	97	24	.	.	PUNCT
asfbr-1916	98	1	surprising	surprising	ADJ
asfbr-1916	98	2	result	result	NOUN
asfbr-1916	98	3	was	be	AUX
asfbr-1916	98	4	revealed	reveal	VERB
asfbr-1916	98	5	by	by	ADP
asfbr-1916	98	6	ugwuanyi	ugwuanyi	PROPN
asfbr-1916	98	7	et	et	PROPN
asfbr-1916	98	8	al	al	PROPN
asfbr-1916	98	9	.	.	PROPN
asfbr-1916	99	1	(	(	PUNCT
asfbr-1916	99	2	2021	2021	NUM
asfbr-1916	99	3	)	)	PUNCT
asfbr-1916	99	4	whereby	whereby	SCONJ
asfbr-1916	99	5	perceived	perceive	VERB
asfbr-1916	99	6	usefulness	usefulness	NOUN
asfbr-1916	99	7	did	do	AUX
asfbr-1916	99	8	not	not	PART
asfbr-1916	99	9	directly	directly	ADV
asfbr-1916	99	10	predict	predict	VERB
asfbr-1916	99	11	customer	customer	NOUN
asfbr-1916	99	12	satisfaction	satisfaction	NOUN
asfbr-1916	99	13	,	,	PUNCT
asfbr-1916	99	14	meaning	mean	VERB
asfbr-1916	99	15	that	that	SCONJ
asfbr-1916	99	16	customers	customer	NOUN
asfbr-1916	99	17	expect	expect	VERB
asfbr-1916	99	18	the	the	DET
asfbr-1916	99	19	performance	performance	NOUN
asfbr-1916	99	20	of	of	ADP
asfbr-1916	99	21	banks	bank	NOUN
asfbr-1916	99	22	’	’	PART
asfbr-1916	99	23	self	self	NOUN
asfbr-1916	99	24	-	-	PUNCT
asfbr-1916	99	25	service	service	NOUN
asfbr-1916	99	26	technologies	technology	NOUN
asfbr-1916	99	27	to	to	PART
asfbr-1916	99	28	be	be	AUX
asfbr-1916	99	29	a	a	DET
asfbr-1916	99	30	basic	basic	ADJ
asfbr-1916	99	31	requirement	requirement	NOUN
asfbr-1916	99	32	.	.	PUNCT
asfbr-1916	100	1	based	base	VERB
asfbr-1916	100	2	on	on	ADP
asfbr-1916	100	3	this	this	DET
asfbr-1916	100	4	discussion	discussion	NOUN
asfbr-1916	100	5	,	,	PUNCT
asfbr-1916	100	6	this	this	DET
asfbr-1916	100	7	study	study	NOUN
asfbr-1916	100	8	predicts	predict	VERB
asfbr-1916	100	9	the	the	DET
asfbr-1916	100	10	following	follow	VERB
asfbr-1916	100	11	hypothesis	hypothesis	NOUN
asfbr-1916	100	12	.	.	PUNCT
asfbr-1916	101	1	h3	h3	NOUN
asfbr-1916	101	2	:	:	PUNCT
asfbr-1916	101	3	there	there	PRON
asfbr-1916	101	4	is	be	VERB
asfbr-1916	101	5	a	a	DET
asfbr-1916	101	6	significant	significant	ADJ
asfbr-1916	101	7	association	association	NOUN
asfbr-1916	101	8	between	between	ADP
asfbr-1916	101	9	perceived	perceive	VERB
asfbr-1916	101	10	usefulness	usefulness	NOUN
asfbr-1916	101	11	of	of	ADP
asfbr-1916	101	12	e	e	NOUN
asfbr-1916	101	13	-	-	NOUN
asfbr-1916	101	14	banking	banking	ADJ
asfbr-1916	101	15	service	service	NOUN
asfbr-1916	101	16	and	and	CCONJ
asfbr-1916	101	17	customer	customer	NOUN
asfbr-1916	101	18	satisfaction	satisfaction	NOUN
asfbr-1916	101	19	among	among	ADP
asfbr-1916	101	20	students	student	NOUN
asfbr-1916	101	21	materials	material	NOUN
asfbr-1916	101	22	and	and	CCONJ
asfbr-1916	101	23	methods	method	NOUN
asfbr-1916	101	24	design	design	NOUN
asfbr-1916	101	25	,	,	PUNCT
asfbr-1916	101	26	population	population	NOUN
asfbr-1916	101	27	,	,	PUNCT
asfbr-1916	101	28	and	and	CCONJ
asfbr-1916	101	29	sample	sample	VERB
asfbr-1916	101	30	quantitative	quantitative	ADJ
asfbr-1916	101	31	approach	approach	NOUN
asfbr-1916	101	32	with	with	ADP
asfbr-1916	101	33	cross	cross	ADJ
asfbr-1916	101	34	-	-	ADJ
asfbr-1916	101	35	sectional	sectional	ADJ
asfbr-1916	101	36	design	design	NOUN
asfbr-1916	101	37	using	use	VERB
asfbr-1916	101	38	structured	structured	ADJ
asfbr-1916	101	39	questionnaire	questionnaire	NOUN
asfbr-1916	101	40	survey	survey	NOUN
asfbr-1916	101	41	were	be	AUX
asfbr-1916	101	42	used	use	VERB
asfbr-1916	101	43	as	as	ADP
asfbr-1916	101	44	the	the	DET
asfbr-1916	101	45	primary	primary	ADJ
asfbr-1916	101	46	research	research	NOUN
asfbr-1916	101	47	design	design	NOUN
asfbr-1916	101	48	for	for	ADP
asfbr-1916	101	49	this	this	DET
asfbr-1916	101	50	study	study	NOUN
asfbr-1916	101	51	because	because	SCONJ
asfbr-1916	101	52	the	the	DET
asfbr-1916	101	53	intention	intention	NOUN
asfbr-1916	101	54	of	of	ADP
asfbr-1916	101	55	this	this	DET
asfbr-1916	101	56	research	research	NOUN
asfbr-1916	101	57	is	be	AUX
asfbr-1916	101	58	to	to	PART
asfbr-1916	101	59	gather	gather	VERB
asfbr-1916	101	60	data	datum	NOUN
asfbr-1916	101	61	regarding	regard	VERB
asfbr-1916	101	62	satisfaction	satisfaction	NOUN
asfbr-1916	101	63	of	of	ADP
asfbr-1916	101	64	students	student	NOUN
asfbr-1916	101	65	about	about	ADP
asfbr-1916	101	66	their	their	PRON
asfbr-1916	101	67	ebanking	ebanke	VERB
asfbr-1916	101	68	usage	usage	NOUN
asfbr-1916	101	69	.	.	PUNCT
asfbr-1916	102	1	the	the	DET
asfbr-1916	102	2	questionnaires	questionnaire	NOUN
asfbr-1916	102	3	were	be	AUX
asfbr-1916	102	4	distributed	distribute	VERB
asfbr-1916	102	5	to	to	ADP
asfbr-1916	102	6	students	student	NOUN
asfbr-1916	102	7	in	in	ADP
asfbr-1916	102	8	a	a	DET
asfbr-1916	102	9	private	private	ADJ
asfbr-1916	102	10	university	university	NOUN
asfbr-1916	102	11	located	locate	VERB
asfbr-1916	102	12	in	in	ADP
asfbr-1916	102	13	selangor	selangor	PROPN
asfbr-1916	102	14	,	,	PUNCT
asfbr-1916	102	15	malaysia	malaysia	PROPN
asfbr-1916	102	16	.	.	PUNCT
asfbr-1916	103	1	several	several	ADJ
asfbr-1916	103	2	criteria	criterion	NOUN
asfbr-1916	103	3	are	be	AUX
asfbr-1916	103	4	outlined	outline	VERB
asfbr-1916	103	5	for	for	ADP
asfbr-1916	103	6	the	the	DET
asfbr-1916	103	7	selection	selection	NOUN
asfbr-1916	103	8	of	of	ADP
asfbr-1916	103	9	respondents	respondent	NOUN
asfbr-1916	103	10	for	for	ADP
asfbr-1916	103	11	this	this	DET
asfbr-1916	103	12	study	study	NOUN
asfbr-1916	103	13	,	,	PUNCT
asfbr-1916	103	14	namely	namely	ADV
asfbr-1916	103	15	(	(	PUNCT
asfbr-1916	103	16	a	a	X
asfbr-1916	103	17	)	)	PUNCT
asfbr-1916	103	18	respondent	respondent	NOUN
asfbr-1916	103	19	must	must	AUX
asfbr-1916	103	20	be	be	AUX
asfbr-1916	103	21	a	a	DET
asfbr-1916	103	22	customer	customer	NOUN
asfbr-1916	103	23	at	at	ADP
asfbr-1916	103	24	one	one	NUM
asfbr-1916	103	25	of	of	ADP
asfbr-1916	103	26	the	the	DET
asfbr-1916	103	27	banking	banking	NOUN
asfbr-1916	103	28	institutions	institution	NOUN
asfbr-1916	103	29	in	in	ADP
asfbr-1916	103	30	malaysia	malaysia	PROPN
asfbr-1916	103	31	;	;	PUNCT
asfbr-1916	103	32	and	and	CCONJ
asfbr-1916	103	33	(	(	PUNCT
asfbr-1916	103	34	b	b	X
asfbr-1916	103	35	)	)	PUNCT
asfbr-1916	103	36	respondent	respondent	NOUN
asfbr-1916	103	37	should	should	AUX
asfbr-1916	103	38	have	have	VERB
asfbr-1916	103	39	knowledge	knowledge	NOUN
asfbr-1916	103	40	about	about	ADP
asfbr-1916	103	41	e	e	NOUN
asfbr-1916	103	42	-	-	ADJ
asfbr-1916	103	43	banking	banking	ADJ
asfbr-1916	103	44	services	service	NOUN
asfbr-1916	103	45	.	.	PUNCT
asfbr-1916	104	1	the	the	DET
asfbr-1916	104	2	selection	selection	NOUN
asfbr-1916	104	3	of	of	ADP
asfbr-1916	104	4	students	student	NOUN
asfbr-1916	104	5	who	who	PRON
asfbr-1916	104	6	are	be	AUX
asfbr-1916	104	7	also	also	ADV
asfbr-1916	104	8	banking	bank	VERB
asfbr-1916	104	9	institution	institution	NOUN
asfbr-1916	104	10	customers	customer	NOUN
asfbr-1916	104	11	as	as	ADP
asfbr-1916	104	12	a	a	DET
asfbr-1916	104	13	study	study	NOUN
asfbr-1916	104	14	sample	sample	NOUN
asfbr-1916	104	15	is	be	AUX
asfbr-1916	104	16	accurate	accurate	ADJ
asfbr-1916	104	17	in	in	ADP
asfbr-1916	104	18	examining	examine	VERB
asfbr-1916	104	19	the	the	DET
asfbr-1916	104	20	factors	factor	NOUN
asfbr-1916	104	21	that	that	PRON
asfbr-1916	104	22	influence	influence	VERB
asfbr-1916	104	23	the	the	DET
asfbr-1916	104	24	hamzah	hamzah	PROPN
asfbr-1916	104	25	et	et	PROPN
asfbr-1916	104	26	al	al	PROPN
asfbr-1916	104	27	.	.	PROPN
asfbr-1916	104	28	,	,	PUNCT
asfbr-1916	104	29	asian	asian	PROPN
asfbr-1916	104	30	finance	finance	PROPN
asfbr-1916	104	31	&	&	CCONJ
asfbr-1916	104	32	banking	banking	PROPN
asfbr-1916	104	33	review	review	NOUN
asfbr-1916	104	34	7(1	7(1	NUM
asfbr-1916	104	35	)	)	PUNCT
asfbr-1916	104	36	(	(	PUNCT
asfbr-1916	104	37	2023	2023	NUM
asfbr-1916	104	38	)	)	PUNCT
asfbr-1916	104	39	,	,	PUNCT
asfbr-1916	104	40	1	1	NUM
asfbr-1916	104	41	-	-	SYM
asfbr-1916	104	42	9	9	NUM
asfbr-1916	104	43	4	4	NUM
asfbr-1916	104	44	customer	customer	NOUN
asfbr-1916	104	45	satisfaction	satisfaction	NOUN
asfbr-1916	104	46	of	of	ADP
asfbr-1916	104	47	e	e	NOUN
asfbr-1916	104	48	-	-	NOUN
asfbr-1916	104	49	banking	banking	ADJ
asfbr-1916	104	50	service	service	NOUN
asfbr-1916	104	51	because	because	SCONJ
asfbr-1916	104	52	they	they	PRON
asfbr-1916	104	53	are	be	AUX
asfbr-1916	104	54	a	a	DET
asfbr-1916	104	55	group	group	NOUN
asfbr-1916	104	56	that	that	PRON
asfbr-1916	104	57	deals	deal	VERB
asfbr-1916	104	58	with	with	ADP
asfbr-1916	104	59	banking	banking	NOUN
asfbr-1916	104	60	institutions	institution	NOUN
asfbr-1916	104	61	through	through	ADP
asfbr-1916	104	62	internet	internet	NOUN
asfbr-1916	104	63	banking	banking	NOUN
asfbr-1916	104	64	.	.	PUNCT
asfbr-1916	105	1	the	the	DET
asfbr-1916	105	2	simple	simple	ADJ
asfbr-1916	105	3	random	random	ADJ
asfbr-1916	105	4	sampling	sampling	NOUN
asfbr-1916	105	5	was	be	AUX
asfbr-1916	105	6	used	use	VERB
asfbr-1916	105	7	and	and	CCONJ
asfbr-1916	105	8	there	there	PRON
asfbr-1916	105	9	are	be	VERB
asfbr-1916	105	10	100	100	NUM
asfbr-1916	105	11	surveys	survey	NOUN
asfbr-1916	105	12	distributed	distribute	VERB
asfbr-1916	105	13	to	to	ADP
asfbr-1916	105	14	the	the	DET
asfbr-1916	105	15	students	student	NOUN
asfbr-1916	105	16	.	.	PUNCT
asfbr-1916	106	1	approximately	approximately	ADV
asfbr-1916	106	2	,	,	PUNCT
asfbr-1916	106	3	87	87	NUM
asfbr-1916	106	4	percent	percent	NOUN
asfbr-1916	106	5	of	of	ADP
asfbr-1916	106	6	the	the	DET
asfbr-1916	106	7	valid	valid	ADJ
asfbr-1916	106	8	questionnaires	questionnaire	NOUN
asfbr-1916	106	9	(	(	PUNCT
asfbr-1916	106	10	n	n	NOUN
asfbr-1916	106	11	=	=	SYM
asfbr-1916	106	12	87	87	NUM
asfbr-1916	106	13	)	)	PUNCT
asfbr-1916	106	14	have	have	AUX
asfbr-1916	106	15	been	be	AUX
asfbr-1916	106	16	returned	return	VERB
asfbr-1916	106	17	and	and	CCONJ
asfbr-1916	106	18	was	be	AUX
asfbr-1916	106	19	found	find	VERB
asfbr-1916	106	20	useful	useful	ADJ
asfbr-1916	106	21	for	for	ADP
asfbr-1916	106	22	the	the	DET
asfbr-1916	106	23	analysis	analysis	NOUN
asfbr-1916	106	24	.	.	PUNCT
asfbr-1916	107	1	preliminary	preliminary	ADJ
asfbr-1916	107	2	assessment	assessment	NOUN
asfbr-1916	107	3	as	as	ADP
asfbr-1916	107	4	a	a	DET
asfbr-1916	107	5	preliminary	preliminary	ADJ
asfbr-1916	107	6	analysis	analysis	NOUN
asfbr-1916	107	7	of	of	ADP
asfbr-1916	107	8	the	the	DET
asfbr-1916	107	9	data	datum	NOUN
asfbr-1916	107	10	collected	collect	VERB
asfbr-1916	107	11	,	,	PUNCT
asfbr-1916	107	12	the	the	DET
asfbr-1916	107	13	reliability	reliability	NOUN
asfbr-1916	107	14	assessment	assessment	NOUN
asfbr-1916	107	15	of	of	ADP
asfbr-1916	107	16	the	the	DET
asfbr-1916	107	17	scales	scale	NOUN
asfbr-1916	107	18	was	be	AUX
asfbr-1916	107	19	carried	carry	VERB
asfbr-1916	107	20	out	out	ADP
asfbr-1916	107	21	by	by	ADP
asfbr-1916	107	22	calculating	calculate	VERB
asfbr-1916	107	23	the	the	DET
asfbr-1916	107	24	values	value	NOUN
asfbr-1916	107	25	of	of	ADP
asfbr-1916	107	26	the	the	DET
asfbr-1916	107	27	cronbach	cronbach	NOUN
asfbr-1916	107	28	’s	’s	PART
asfbr-1916	107	29	alpha	alpha	NOUN
asfbr-1916	107	30	for	for	ADP
asfbr-1916	107	31	each	each	DET
asfbr-1916	107	32	construct	construct	NOUN
asfbr-1916	107	33	separately	separately	ADV
asfbr-1916	107	34	.	.	PUNCT
asfbr-1916	108	1	according	accord	VERB
asfbr-1916	108	2	to	to	ADP
asfbr-1916	108	3	bougie	bougie	NOUN
asfbr-1916	108	4	and	and	CCONJ
asfbr-1916	108	5	sekaran	sekaran	NOUN
asfbr-1916	108	6	(	(	PUNCT
asfbr-1916	108	7	2019	2019	NUM
asfbr-1916	108	8	)	)	PUNCT
asfbr-1916	108	9	,	,	PUNCT
asfbr-1916	108	10	reliability	reliability	NOUN
asfbr-1916	108	11	coefficient	coefficient	NOUN
asfbr-1916	108	12	test	test	NOUN
asfbr-1916	108	13	indicates	indicate	VERB
asfbr-1916	108	14	how	how	SCONJ
asfbr-1916	108	15	well	well	ADV
asfbr-1916	108	16	the	the	DET
asfbr-1916	108	17	items	item	NOUN
asfbr-1916	108	18	in	in	ADP
asfbr-1916	108	19	a	a	DET
asfbr-1916	108	20	set	set	NOUN
asfbr-1916	108	21	which	which	PRON
asfbr-1916	108	22	positively	positively	ADV
asfbr-1916	108	23	correlated	correlate	VERB
asfbr-1916	108	24	from	from	ADP
asfbr-1916	108	25	one	one	NUM
asfbr-1916	108	26	another	another	DET
asfbr-1916	108	27	.	.	PUNCT
asfbr-1916	109	1	variables	variable	NOUN
asfbr-1916	109	2	can	can	AUX
asfbr-1916	109	3	be	be	AUX
asfbr-1916	109	4	considered	consider	VERB
asfbr-1916	109	5	as	as	ADP
asfbr-1916	109	6	reliable	reliable	ADJ
asfbr-1916	109	7	if	if	SCONJ
asfbr-1916	109	8	the	the	DET
asfbr-1916	109	9	cronbach	cronbach	NOUN
asfbr-1916	109	10	’s	’s	PART
asfbr-1916	109	11	alpha	alpha	NOUN
asfbr-1916	109	12	value	value	NOUN
asfbr-1916	109	13	was	be	AUX
asfbr-1916	109	14	set	set	VERB
asfbr-1916	109	15	to	to	ADP
asfbr-1916	109	16	0.7	0.7	NUM
asfbr-1916	109	17	and	and	CCONJ
asfbr-1916	109	18	above	above	ADV
asfbr-1916	109	19	(	(	PUNCT
asfbr-1916	109	20	pallant	pallant	NOUN
asfbr-1916	109	21	,	,	PUNCT
asfbr-1916	109	22	2020	2020	NUM
asfbr-1916	109	23	)	)	PUNCT
asfbr-1916	109	24	.	.	PUNCT
asfbr-1916	110	1	table	table	NOUN
asfbr-1916	110	2	1	1	NUM
asfbr-1916	110	3	depicts	depict	VERB
asfbr-1916	110	4	that	that	PRON
asfbr-1916	110	5	all	all	DET
asfbr-1916	110	6	variables	variable	NOUN
asfbr-1916	110	7	measuring	measure	VERB
asfbr-1916	110	8	customer	customer	NOUN
asfbr-1916	110	9	satisfaction	satisfaction	NOUN
asfbr-1916	110	10	(	(	PUNCT
asfbr-1916	110	11	reliability	reliability	NOUN
asfbr-1916	110	12	,	,	PUNCT
asfbr-1916	110	13	security	security	NOUN
asfbr-1916	110	14	,	,	PUNCT
asfbr-1916	110	15	and	and	CCONJ
asfbr-1916	110	16	perceived	perceive	VERB
asfbr-1916	110	17	usefulness	usefulness	NOUN
asfbr-1916	110	18	)	)	PUNCT
asfbr-1916	110	19	are	be	AUX
asfbr-1916	110	20	ranging	range	VERB
asfbr-1916	110	21	from	from	ADP
asfbr-1916	110	22	values	value	NOUN
asfbr-1916	110	23	0.927	0.927	NUM
asfbr-1916	110	24	to	to	ADP
asfbr-1916	110	25	0.962	0.962	NUM
asfbr-1916	110	26	.	.	PUNCT
asfbr-1916	111	1	hence	hence	ADV
asfbr-1916	111	2	,	,	PUNCT
asfbr-1916	111	3	the	the	DET
asfbr-1916	111	4	internal	internal	ADJ
asfbr-1916	111	5	consistencies	consistency	NOUN
asfbr-1916	111	6	of	of	ADP
asfbr-1916	111	7	all	all	DET
asfbr-1916	111	8	constructs	construct	NOUN
asfbr-1916	111	9	are	be	AUX
asfbr-1916	111	10	considered	consider	VERB
asfbr-1916	111	11	acceptable	acceptable	ADJ
asfbr-1916	111	12	since	since	SCONJ
asfbr-1916	111	13	each	each	DET
asfbr-1916	111	14	reliability	reliability	NOUN
asfbr-1916	111	15	testing	testing	NOUN
asfbr-1916	111	16	exceeds	exceed	VERB
asfbr-1916	111	17	the	the	DET
asfbr-1916	111	18	suggested	suggest	VERB
asfbr-1916	111	19	threshold	threshold	NOUN
asfbr-1916	111	20	.	.	PUNCT
asfbr-1916	112	1	table	table	NOUN
asfbr-1916	112	2	1	1	NUM
asfbr-1916	112	3	.	.	PUNCT
asfbr-1916	113	1	reliability	reliability	NOUN
asfbr-1916	113	2	and	and	CCONJ
asfbr-1916	113	3	normality	normality	NOUN
asfbr-1916	113	4	assessment	assessment	NOUN
asfbr-1916	113	5	results	result	VERB
asfbr-1916	113	6	constructs	construct	VERB
asfbr-1916	113	7	cronbach	cronbach	NOUN
asfbr-1916	113	8	's	's	PART
asfbr-1916	113	9	alpha	alpha	NOUN
asfbr-1916	113	10	skewness	skewness	NOUN
asfbr-1916	113	11	kurtosis	kurtosis	VERB
asfbr-1916	113	12	no	no	NOUN
asfbr-1916	113	13	.	.	PUNCT
asfbr-1916	113	14	of	of	ADP
asfbr-1916	113	15	items	item	NOUN
asfbr-1916	113	16	customer	customer	NOUN
asfbr-1916	113	17	satisfaction	satisfaction	NOUN
asfbr-1916	113	18	.927	.927	NUM
asfbr-1916	113	19	-0.447	-0.447	NUM
asfbr-1916	113	20	0.254	0.254	NUM
asfbr-1916	113	21	10	10	NUM
asfbr-1916	113	22	reliability	reliability	NOUN
asfbr-1916	113	23	.941	.941	NUM
asfbr-1916	113	24	-0.595	-0.595	PROPN
asfbr-1916	113	25	0.637	0.637	NUM
asfbr-1916	113	26	10	10	NUM
asfbr-1916	113	27	security	security	NOUN
asfbr-1916	113	28	.957	.957	NUM
asfbr-1916	113	29	-0.236	-0.236	PUNCT
asfbr-1916	114	1	-0.917	-0.917	NOUN
asfbr-1916	114	2	10	10	NUM
asfbr-1916	114	3	perceived	perceive	VERB
asfbr-1916	114	4	usefulness	usefulness	NOUN
asfbr-1916	114	5	.962	.962	NUM
asfbr-1916	115	1	-0.565	-0.565	CCONJ
asfbr-1916	115	2	-0.571	-0.571	PUNCT
asfbr-1916	115	3	10	10	NUM
asfbr-1916	115	4	further	far	ADV
asfbr-1916	115	5	,	,	PUNCT
asfbr-1916	115	6	the	the	DET
asfbr-1916	115	7	assessment	assessment	NOUN
asfbr-1916	115	8	of	of	ADP
asfbr-1916	115	9	normality	normality	NOUN
asfbr-1916	115	10	of	of	ADP
asfbr-1916	115	11	the	the	DET
asfbr-1916	115	12	metric	metric	ADJ
asfbr-1916	115	13	variables	variable	NOUN
asfbr-1916	115	14	in	in	ADP
asfbr-1916	115	15	this	this	DET
asfbr-1916	115	16	study	study	NOUN
asfbr-1916	115	17	involves	involve	VERB
asfbr-1916	115	18	empirical	empirical	ADJ
asfbr-1916	115	19	measures	measure	NOUN
asfbr-1916	115	20	of	of	ADP
asfbr-1916	115	21	a	a	DET
asfbr-1916	115	22	distribution	distribution	NOUN
asfbr-1916	115	23	’s	’s	PART
asfbr-1916	115	24	shape	shape	NOUN
asfbr-1916	115	25	characteristics	characteristic	NOUN
asfbr-1916	115	26	(	(	PUNCT
asfbr-1916	115	27	skewness	skewness	NOUN
asfbr-1916	115	28	and	and	CCONJ
asfbr-1916	115	29	kurtosis	kurtosis	NOUN
asfbr-1916	115	30	)	)	PUNCT
asfbr-1916	115	31	.	.	PUNCT
asfbr-1916	116	1	table	table	NOUN
asfbr-1916	116	2	1	1	NUM
asfbr-1916	116	3	shows	show	VERB
asfbr-1916	116	4	that	that	SCONJ
asfbr-1916	116	5	the	the	DET
asfbr-1916	116	6	normality	normality	NOUN
asfbr-1916	116	7	assessment	assessment	NOUN
asfbr-1916	116	8	values	value	NOUN
asfbr-1916	116	9	for	for	ADP
asfbr-1916	116	10	customer	customer	NOUN
asfbr-1916	116	11	satisfaction	satisfaction	NOUN
asfbr-1916	116	12	,	,	PUNCT
asfbr-1916	116	13	reliability	reliability	NOUN
asfbr-1916	116	14	,	,	PUNCT
asfbr-1916	116	15	security	security	NOUN
asfbr-1916	116	16	,	,	PUNCT
asfbr-1916	116	17	and	and	CCONJ
asfbr-1916	116	18	perceived	perceive	VERB
asfbr-1916	116	19	usefulness	usefulness	NOUN
asfbr-1916	116	20	are	be	AUX
asfbr-1916	116	21	between	between	ADP
asfbr-1916	116	22	±3.00	±3.00	PROPN
asfbr-1916	116	23	as	as	SCONJ
asfbr-1916	116	24	suggested	suggest	VERB
asfbr-1916	116	25	by	by	ADP
asfbr-1916	116	26	hair	hair	NOUN
asfbr-1916	116	27	et	et	PROPN
asfbr-1916	116	28	al	al	PROPN
asfbr-1916	116	29	.	.	PROPN
asfbr-1916	117	1	(	(	PUNCT
asfbr-1916	117	2	2019	2019	NUM
asfbr-1916	117	3	)	)	PUNCT
asfbr-1916	117	4	.	.	PUNCT
asfbr-1916	118	1	therefore	therefore	ADV
asfbr-1916	118	2	,	,	PUNCT
asfbr-1916	118	3	this	this	DET
asfbr-1916	118	4	assessment	assessment	NOUN
asfbr-1916	118	5	confirmed	confirm	VERB
asfbr-1916	118	6	that	that	SCONJ
asfbr-1916	118	7	the	the	DET
asfbr-1916	118	8	data	datum	NOUN
asfbr-1916	118	9	of	of	ADP
asfbr-1916	118	10	this	this	DET
asfbr-1916	118	11	study	study	NOUN
asfbr-1916	118	12	is	be	AUX
asfbr-1916	118	13	normally	normally	ADV
asfbr-1916	118	14	distributed	distribute	VERB
asfbr-1916	118	15	.	.	PUNCT
asfbr-1916	119	1	next	next	ADJ
asfbr-1916	119	2	,	,	PUNCT
asfbr-1916	119	3	multicollinearity	multicollinearity	NOUN
asfbr-1916	119	4	testing	testing	NOUN
asfbr-1916	119	5	was	be	AUX
asfbr-1916	119	6	done	do	VERB
asfbr-1916	119	7	to	to	PART
asfbr-1916	119	8	examine	examine	VERB
asfbr-1916	119	9	the	the	DET
asfbr-1916	119	10	relationship	relationship	NOUN
asfbr-1916	119	11	among	among	ADP
asfbr-1916	119	12	the	the	DET
asfbr-1916	119	13	independent	independent	ADJ
asfbr-1916	119	14	variables	variable	NOUN
asfbr-1916	119	15	.	.	PUNCT
asfbr-1916	120	1	multicollinearity	multicollinearity	NOUN
asfbr-1916	120	2	exists	exist	VERB
asfbr-1916	120	3	when	when	SCONJ
asfbr-1916	120	4	the	the	DET
asfbr-1916	120	5	independent	independent	ADJ
asfbr-1916	120	6	variables	variable	NOUN
asfbr-1916	120	7	are	be	AUX
asfbr-1916	120	8	highly	highly	ADV
asfbr-1916	120	9	correlated	correlate	VERB
asfbr-1916	120	10	,	,	PUNCT
asfbr-1916	120	11	with	with	ADP
asfbr-1916	120	12	r	r	NOUN
asfbr-1916	120	13	value	value	NOUN
asfbr-1916	120	14	of	of	ADP
asfbr-1916	120	15	more	more	ADJ
asfbr-1916	120	16	than	than	ADP
asfbr-1916	120	17	0.9	0.9	NUM
asfbr-1916	120	18	(	(	PUNCT
asfbr-1916	120	19	pallant	pallant	NOUN
asfbr-1916	120	20	,	,	PUNCT
asfbr-1916	120	21	2020	2020	NUM
asfbr-1916	120	22	)	)	PUNCT
asfbr-1916	120	23	.	.	PUNCT
asfbr-1916	121	1	the	the	DET
asfbr-1916	121	2	correlation	correlation	NOUN
asfbr-1916	121	3	coefficient	coefficient	NOUN
asfbr-1916	121	4	results	result	NOUN
asfbr-1916	121	5	between	between	ADP
asfbr-1916	121	6	the	the	DET
asfbr-1916	121	7	variables	variable	NOUN
asfbr-1916	121	8	are	be	AUX
asfbr-1916	121	9	indicated	indicate	VERB
asfbr-1916	121	10	in	in	ADP
asfbr-1916	121	11	table	table	NOUN
asfbr-1916	121	12	2	2	NUM
asfbr-1916	121	13	.	.	PUNCT
asfbr-1916	122	1	all	all	DET
asfbr-1916	122	2	the	the	DET
asfbr-1916	122	3	independent	independent	ADJ
asfbr-1916	122	4	variables	variable	NOUN
asfbr-1916	122	5	show	show	VERB
asfbr-1916	122	6	at	at	ADP
asfbr-1916	122	7	least	least	ADJ
asfbr-1916	122	8	some	some	PRON
asfbr-1916	122	9	positive	positive	ADJ
asfbr-1916	122	10	relationship	relationship	NOUN
asfbr-1916	122	11	with	with	ADP
asfbr-1916	122	12	the	the	DET
asfbr-1916	122	13	dependent	dependent	ADJ
asfbr-1916	122	14	variable	variable	NOUN
asfbr-1916	122	15	,	,	PUNCT
asfbr-1916	122	16	and	and	CCONJ
asfbr-1916	122	17	the	the	DET
asfbr-1916	122	18	correlations	correlation	NOUN
asfbr-1916	122	19	between	between	ADP
asfbr-1916	122	20	independent	independent	ADJ
asfbr-1916	122	21	variables	variable	NOUN
asfbr-1916	122	22	are	be	AUX
asfbr-1916	122	23	less	less	ADJ
asfbr-1916	122	24	than	than	ADP
asfbr-1916	122	25	0.8	0.8	NUM
asfbr-1916	122	26	.	.	PUNCT
asfbr-1916	122	27	table	table	NOUN
asfbr-1916	122	28	2	2	NUM
asfbr-1916	122	29	.	.	PUNCT
asfbr-1916	122	30	pearson	pearson	PROPN
asfbr-1916	122	31	correlation	correlation	PROPN
asfbr-1916	122	32	coefficient	coefficient	NOUN
asfbr-1916	122	33	and	and	CCONJ
asfbr-1916	122	34	collinearity	collinearity	NOUN
asfbr-1916	122	35	diagnostics	diagnostic	NOUN
asfbr-1916	122	36	results	result	VERB
asfbr-1916	122	37	customer	customer	NOUN
asfbr-1916	122	38	satisfaction	satisfaction	NOUN
asfbr-1916	122	39	reliability	reliability	NOUN
asfbr-1916	122	40	security	security	NOUN
asfbr-1916	122	41	perceived	perceive	VERB
asfbr-1916	122	42	usefulness	usefulness	NOUN
asfbr-1916	122	43	tolerance	tolerance	NOUN
asfbr-1916	122	44	vif	vif	NOUN
asfbr-1916	122	45	customer	customer	NOUN
asfbr-1916	122	46	satisfaction	satisfaction	NOUN
asfbr-1916	122	47	1	1	NUM
asfbr-1916	122	48	.747	.747	NUM
asfbr-1916	122	49	*	*	PUNCT
asfbr-1916	122	50	*	*	PUNCT
asfbr-1916	122	51	*	*	NOUN
asfbr-1916	122	52	.731	.731	NUM
asfbr-1916	122	53	*	*	PUNCT
asfbr-1916	122	54	*	*	PUNCT
asfbr-1916	122	55	*	*	NOUN
asfbr-1916	122	56	.746	.746	NUM
asfbr-1916	122	57	*	*	PUNCT
asfbr-1916	122	58	*	*	PUNCT
asfbr-1916	122	59	*	*	PUNCT
asfbr-1916	122	60	reliability	reliability	NOUN
asfbr-1916	122	61	1	1	NUM
asfbr-1916	122	62	.754	.754	NUM
asfbr-1916	122	63	*	*	PUNCT
asfbr-1916	122	64	*	*	PUNCT
asfbr-1916	122	65	*	*	PUNCT
asfbr-1916	122	66	.703	.703	NOUN
asfbr-1916	122	67	*	*	PUNCT
asfbr-1916	122	68	*	*	PUNCT
asfbr-1916	122	69	*	*	PUNCT
asfbr-1916	122	70	0.305	0.305	NUM
asfbr-1916	122	71	3.284	3.284	NUM
asfbr-1916	122	72	security	security	NOUN
asfbr-1916	122	73	1	1	NUM
asfbr-1916	122	74	.757	.757	NOUN
asfbr-1916	122	75	*	*	PUNCT
asfbr-1916	122	76	*	*	PUNCT
asfbr-1916	122	77	*	*	PUNCT
asfbr-1916	122	78	0.367	0.367	NUM
asfbr-1916	122	79	2.727	2.727	NUM
asfbr-1916	122	80	perceived	perceive	VERB
asfbr-1916	122	81	usefulness	usefulness	NOUN
asfbr-1916	122	82	1	1	NUM
asfbr-1916	122	83	0.302	0.302	NUM
asfbr-1916	122	84	3.310	3.310	NUM
asfbr-1916	122	85	note	note	NOUN
asfbr-1916	122	86	:	:	PUNCT
asfbr-1916	122	87	correlation	correlation	NOUN
asfbr-1916	122	88	is	be	AUX
asfbr-1916	122	89	significant	significant	ADJ
asfbr-1916	122	90	at	at	ADP
asfbr-1916	122	91	*	*	PROPN
asfbr-1916	122	92	*	*	PUNCT
asfbr-1916	122	93	*	*	PUNCT
asfbr-1916	122	94	1	1	NUM
asfbr-1916	122	95	%	%	NOUN
asfbr-1916	122	96	level	level	NOUN
asfbr-1916	122	97	,	,	PUNCT
asfbr-1916	122	98	*	*	PUNCT
asfbr-1916	122	99	*	*	PUNCT
asfbr-1916	122	100	5	5	NUM
asfbr-1916	122	101	%	%	NOUN
asfbr-1916	122	102	level	level	NOUN
asfbr-1916	122	103	and	and	CCONJ
asfbr-1916	122	104	*	*	NUM
asfbr-1916	122	105	10	10	NUM
asfbr-1916	122	106	%	%	NOUN
asfbr-1916	122	107	level	level	NOUN
asfbr-1916	122	108	,	,	PUNCT
asfbr-1916	122	109	respectively	respectively	ADV
asfbr-1916	122	110	,	,	PUNCT
asfbr-1916	122	111	using	use	VERB
asfbr-1916	122	112	two	two	NUM
asfbr-1916	122	113	-	-	PUNCT
asfbr-1916	122	114	tailed	tail	VERB
asfbr-1916	122	115	tests	test	NOUN
asfbr-1916	122	116	.	.	PUNCT
asfbr-1916	123	1	to	to	PART
asfbr-1916	123	2	further	far	ADV
asfbr-1916	123	3	check	check	VERB
asfbr-1916	123	4	for	for	ADP
asfbr-1916	123	5	multicollinearity	multicollinearity	NOUN
asfbr-1916	123	6	,	,	PUNCT
asfbr-1916	123	7	a	a	DET
asfbr-1916	123	8	collinearity	collinearity	NOUN
asfbr-1916	123	9	diagnostics	diagnostic	NOUN
asfbr-1916	123	10	test	test	NOUN
asfbr-1916	123	11	(	(	PUNCT
asfbr-1916	123	12	tolerance	tolerance	NOUN
asfbr-1916	123	13	and	and	CCONJ
asfbr-1916	123	14	vif	vif	NOUN
asfbr-1916	123	15	values	value	NOUN
asfbr-1916	123	16	)	)	PUNCT
asfbr-1916	123	17	was	be	AUX
asfbr-1916	123	18	conducted	conduct	VERB
asfbr-1916	123	19	.	.	PUNCT
asfbr-1916	124	1	as	as	SCONJ
asfbr-1916	124	2	shown	show	VERB
asfbr-1916	124	3	in	in	ADP
asfbr-1916	124	4	table	table	NOUN
asfbr-1916	124	5	2	2	NUM
asfbr-1916	124	6	,	,	PUNCT
asfbr-1916	124	7	the	the	DET
asfbr-1916	124	8	tolerance	tolerance	NOUN
asfbr-1916	124	9	values	value	NOUN
asfbr-1916	124	10	are	be	AUX
asfbr-1916	124	11	greater	great	ADJ
asfbr-1916	124	12	than	than	ADP
asfbr-1916	124	13	0.10	0.10	NUM
asfbr-1916	124	14	and	and	CCONJ
asfbr-1916	124	15	the	the	DET
asfbr-1916	124	16	vif	vif	NOUN
asfbr-1916	124	17	values	value	NOUN
asfbr-1916	124	18	are	be	AUX
asfbr-1916	124	19	lower	low	ADJ
asfbr-1916	124	20	than	than	ADP
asfbr-1916	124	21	10	10	NUM
asfbr-1916	124	22	;	;	PUNCT
asfbr-1916	124	23	hence	hence	ADV
asfbr-1916	124	24	,	,	PUNCT
asfbr-1916	124	25	no	no	DET
asfbr-1916	124	26	multicollinearity	multicollinearity	NOUN
asfbr-1916	124	27	problem	problem	NOUN
asfbr-1916	124	28	exists	exist	VERB
asfbr-1916	124	29	(	(	PUNCT
asfbr-1916	124	30	pallant	pallant	NOUN
asfbr-1916	124	31	,	,	PUNCT
asfbr-1916	124	32	2020	2020	NUM
asfbr-1916	124	33	)	)	PUNCT
asfbr-1916	124	34	.	.	PUNCT
asfbr-1916	125	1	results	result	NOUN
asfbr-1916	125	2	and	and	CCONJ
asfbr-1916	125	3	discussions	discussion	NOUN
asfbr-1916	125	4	demographic	demographic	ADJ
asfbr-1916	125	5	profile	profile	NOUN
asfbr-1916	125	6	figure	figure	NOUN
asfbr-1916	125	7	2a	2a	NUM
asfbr-1916	125	8	depicts	depict	VERB
asfbr-1916	125	9	unsurprisingly	unsurprisingly	ADV
asfbr-1916	125	10	that	that	SCONJ
asfbr-1916	125	11	female	female	ADJ
asfbr-1916	125	12	(	(	PUNCT
asfbr-1916	125	13	51.7	51.7	NUM
asfbr-1916	125	14	%	%	NOUN
asfbr-1916	125	15	)	)	PUNCT
asfbr-1916	125	16	is	be	AUX
asfbr-1916	125	17	more	more	ADJ
asfbr-1916	125	18	than	than	ADP
asfbr-1916	125	19	the	the	DET
asfbr-1916	125	20	male	male	NOUN
asfbr-1916	125	21	(	(	PUNCT
asfbr-1916	125	22	48.3	48.3	NUM
asfbr-1916	125	23	%	%	NOUN
asfbr-1916	125	24	)	)	PUNCT
asfbr-1916	125	25	,	,	PUNCT
asfbr-1916	125	26	which	which	PRON
asfbr-1916	125	27	reflects	reflect	VERB
asfbr-1916	125	28	the	the	DET
asfbr-1916	125	29	gender	gender	NOUN
asfbr-1916	125	30	gap	gap	NOUN
asfbr-1916	125	31	issues	issue	NOUN
asfbr-1916	125	32	in	in	ADP
asfbr-1916	125	33	higher	high	ADJ
asfbr-1916	125	34	learning	learning	NOUN
asfbr-1916	125	35	institutions	institution	NOUN
asfbr-1916	125	36	’	'	PUNCT
asfbr-1916	125	37	enrolment	enrolment	NOUN
asfbr-1916	125	38	in	in	ADP
asfbr-1916	125	39	malaysia	malaysia	PROPN
asfbr-1916	125	40	.	.	PUNCT
asfbr-1916	126	1	further	far	ADV
asfbr-1916	126	2	,	,	PUNCT
asfbr-1916	126	3	figure	figure	VERB
asfbr-1916	126	4	4b	4b	PROPN
asfbr-1916	126	5	shows	show	VERB
asfbr-1916	126	6	that	that	SCONJ
asfbr-1916	126	7	majority	majority	NOUN
asfbr-1916	126	8	of	of	ADP
asfbr-1916	126	9	the	the	DET
asfbr-1916	126	10	respondents	respondent	NOUN
asfbr-1916	126	11	are	be	AUX
asfbr-1916	126	12	between	between	ADP
asfbr-1916	126	13	21	21	NUM
asfbr-1916	126	14	and	and	CCONJ
asfbr-1916	126	15	23	23	NUM
asfbr-1916	126	16	years	year	NOUN
asfbr-1916	126	17	old	old	ADJ
asfbr-1916	126	18	.	.	PUNCT
asfbr-1916	127	1	they	they	PRON
asfbr-1916	127	2	make	make	VERB
asfbr-1916	127	3	up	up	ADP
asfbr-1916	127	4	more	more	ADJ
asfbr-1916	127	5	than	than	ADP
asfbr-1916	127	6	two	two	NUM
asfbr-1916	127	7	-	-	PUNCT
asfbr-1916	127	8	third	third	NOUN
asfbr-1916	127	9	(	(	PUNCT
asfbr-1916	127	10	72.4	72.4	NUM
asfbr-1916	127	11	%	%	NOUN
asfbr-1916	127	12	)	)	PUNCT
asfbr-1916	127	13	of	of	ADP
asfbr-1916	127	14	the	the	DET
asfbr-1916	127	15	total	total	ADJ
asfbr-1916	127	16	responses	response	NOUN
asfbr-1916	127	17	to	to	ADP
asfbr-1916	127	18	the	the	DET
asfbr-1916	127	19	survey	survey	NOUN
asfbr-1916	127	20	given	give	VERB
asfbr-1916	127	21	.	.	PUNCT
asfbr-1916	128	1	figure	figure	NOUN
asfbr-1916	128	2	2c	2c	NOUN
asfbr-1916	128	3	reveals	reveal	VERB
asfbr-1916	128	4	that	that	SCONJ
asfbr-1916	128	5	majority	majority	NOUN
asfbr-1916	128	6	of	of	ADP
asfbr-1916	128	7	the	the	DET
asfbr-1916	128	8	respondents	respondent	NOUN
asfbr-1916	128	9	are	be	AUX
asfbr-1916	128	10	indian	indian	ADJ
asfbr-1916	128	11	(	(	PUNCT
asfbr-1916	128	12	64.4	64.4	NUM
asfbr-1916	128	13	%	%	NOUN
asfbr-1916	128	14	)	)	PUNCT
asfbr-1916	128	15	,	,	PUNCT
asfbr-1916	128	16	followed	follow	VERB
asfbr-1916	128	17	by	by	ADP
asfbr-1916	128	18	malay	malay	NOUN
asfbr-1916	128	19	(	(	PUNCT
asfbr-1916	128	20	21.8	21.8	NUM
asfbr-1916	128	21	%	%	NOUN
asfbr-1916	128	22	)	)	PUNCT
asfbr-1916	128	23	,	,	PUNCT
asfbr-1916	128	24	chinese	chinese	PROPN
asfbr-1916	128	25	(	(	PUNCT
asfbr-1916	128	26	12.6	12.6	NUM
asfbr-1916	128	27	%	%	NOUN
asfbr-1916	128	28	)	)	PUNCT
asfbr-1916	128	29	,	,	PUNCT
asfbr-1916	128	30	and	and	CCONJ
asfbr-1916	128	31	others	other	NOUN
asfbr-1916	128	32	(	(	PUNCT
asfbr-1916	128	33	1.1	1.1	NUM
asfbr-1916	128	34	%	%	NOUN
asfbr-1916	128	35	)	)	PUNCT
asfbr-1916	128	36	.	.	PUNCT
asfbr-1916	129	1	figure	figure	NOUN
asfbr-1916	129	2	2d	2d	PROPN
asfbr-1916	129	3	discloses	disclose	VERB
asfbr-1916	129	4	that	that	SCONJ
asfbr-1916	129	5	minority	minority	NOUN
asfbr-1916	129	6	percentage	percentage	NOUN
asfbr-1916	129	7	of	of	ADP
asfbr-1916	129	8	respondents	respondent	NOUN
asfbr-1916	129	9	(	(	PUNCT
asfbr-1916	129	10	4.6	4.6	NUM
asfbr-1916	129	11	%	%	NOUN
asfbr-1916	129	12	)	)	PUNCT
asfbr-1916	129	13	have	have	VERB
asfbr-1916	129	14	foundation	foundation	NOUN
asfbr-1916	129	15	as	as	ADP
asfbr-1916	129	16	their	their	PRON
asfbr-1916	129	17	highest	high	ADJ
asfbr-1916	129	18	education	education	NOUN
asfbr-1916	129	19	level	level	NOUN
asfbr-1916	129	20	,	,	PUNCT
asfbr-1916	129	21	while	while	SCONJ
asfbr-1916	129	22	majority	majority	NOUN
asfbr-1916	129	23	of	of	ADP
asfbr-1916	129	24	them	they	PRON
asfbr-1916	129	25	are	be	AUX
asfbr-1916	129	26	undergraduate	undergraduate	ADJ
asfbr-1916	129	27	students	student	NOUN
asfbr-1916	129	28	(	(	PUNCT
asfbr-1916	129	29	74.7	74.7	NUM
asfbr-1916	129	30	%	%	NOUN
asfbr-1916	129	31	)	)	PUNCT
asfbr-1916	129	32	.	.	PUNCT
asfbr-1916	130	1	there	there	PRON
asfbr-1916	130	2	is	be	VERB
asfbr-1916	130	3	only	only	ADV
asfbr-1916	130	4	17.2	17.2	NUM
asfbr-1916	130	5	%	%	NOUN
asfbr-1916	130	6	of	of	ADP
asfbr-1916	130	7	respondents	respondent	NOUN
asfbr-1916	130	8	acquired	acquire	VERB
asfbr-1916	130	9	education	education	NOUN
asfbr-1916	130	10	up	up	ADP
asfbr-1916	130	11	to	to	PART
asfbr-1916	130	12	postgraduate	postgraduate	VERB
asfbr-1916	130	13	level	level	NOUN
asfbr-1916	130	14	such	such	ADJ
asfbr-1916	130	15	as	as	ADP
asfbr-1916	130	16	master	master	NOUN
asfbr-1916	130	17	degree	degree	NOUN
asfbr-1916	130	18	or	or	CCONJ
asfbr-1916	130	19	phd	phd	NOUN
asfbr-1916	130	20	.	.	PUNCT
asfbr-1916	131	1	hamzah	hamzah	PROPN
asfbr-1916	131	2	et	et	PROPN
asfbr-1916	131	3	al	al	PROPN
asfbr-1916	131	4	.	.	PROPN
asfbr-1916	131	5	,	,	PUNCT
asfbr-1916	131	6	asian	asian	PROPN
asfbr-1916	131	7	finance	finance	PROPN
asfbr-1916	131	8	&	&	CCONJ
asfbr-1916	131	9	banking	banking	PROPN
asfbr-1916	131	10	review	review	NOUN
asfbr-1916	131	11	7(1	7(1	NUM
asfbr-1916	131	12	)	)	PUNCT
asfbr-1916	131	13	(	(	PUNCT
asfbr-1916	131	14	2023	2023	NUM
asfbr-1916	131	15	)	)	PUNCT
asfbr-1916	131	16	,	,	PUNCT
asfbr-1916	131	17	1	1	NUM
asfbr-1916	131	18	-	-	SYM
asfbr-1916	131	19	9	9	NUM
asfbr-1916	131	20	5	5	NUM
asfbr-1916	131	21	figure	figure	NOUN
asfbr-1916	131	22	2a	2a	NUM
asfbr-1916	131	23	:	:	PUNCT
asfbr-1916	131	24	respondents	respondents	PROPN
asfbr-1916	131	25	’	'	PUNCT
asfbr-1916	131	26	gender	gender	NOUN
asfbr-1916	131	27	figure	figure	NOUN
asfbr-1916	131	28	2b	2b	NOUN
asfbr-1916	131	29	:	:	PUNCT
asfbr-1916	131	30	respondents	respondent	NOUN
asfbr-1916	131	31	’	'	PUNCT
asfbr-1916	131	32	age	age	NOUN
asfbr-1916	131	33	group	group	NOUN
asfbr-1916	131	34	figure	figure	NOUN
asfbr-1916	131	35	2c	2c	NUM
asfbr-1916	131	36	:	:	PUNCT
asfbr-1916	131	37	respondents	respondent	NOUN
asfbr-1916	131	38	’	'	PUNCT
asfbr-1916	131	39	race	race	NOUN
asfbr-1916	131	40	figure	figure	NOUN
asfbr-1916	131	41	2d	2d	NOUN
asfbr-1916	131	42	:	:	PUNCT
asfbr-1916	131	43	respondents	respondent	NOUN
asfbr-1916	131	44	’	'	PUNCT
asfbr-1916	131	45	highest	high	ADJ
asfbr-1916	131	46	education	education	NOUN
asfbr-1916	131	47	figure	figure	NOUN
asfbr-1916	131	48	2e	2e	NOUN
asfbr-1916	131	49	:	:	PUNCT
asfbr-1916	131	50	respondents	respondents	PROPN
asfbr-1916	131	51	’	'	PUNCT
asfbr-1916	131	52	employment	employment	NOUN
asfbr-1916	131	53	status	status	NOUN
asfbr-1916	131	54	figure	figure	NOUN
asfbr-1916	131	55	2f	2f	NOUN
asfbr-1916	131	56	:	:	PUNCT
asfbr-1916	131	57	respondents	respondent	NOUN
asfbr-1916	131	58	’	'	PUNCT
asfbr-1916	131	59	monthly	monthly	ADJ
asfbr-1916	131	60	income	income	NOUN
asfbr-1916	131	61	figure	figure	NOUN
asfbr-1916	131	62	2e	2e	NOUN
asfbr-1916	131	63	reveals	reveal	VERB
asfbr-1916	131	64	that	that	SCONJ
asfbr-1916	131	65	there	there	PRON
asfbr-1916	131	66	are	be	VERB
asfbr-1916	131	67	11.5	11.5	NUM
asfbr-1916	131	68	%	%	NOUN
asfbr-1916	131	69	of	of	ADP
asfbr-1916	131	70	respondents	respondent	NOUN
asfbr-1916	131	71	who	who	PRON
asfbr-1916	131	72	are	be	AUX
asfbr-1916	131	73	students	student	NOUN
asfbr-1916	131	74	but	but	CCONJ
asfbr-1916	131	75	doing	do	VERB
asfbr-1916	131	76	part	part	ADJ
asfbr-1916	131	77	-	-	PUNCT
asfbr-1916	131	78	time	time	NOUN
asfbr-1916	131	79	job	job	NOUN
asfbr-1916	131	80	.	.	PUNCT
asfbr-1916	132	1	since	since	SCONJ
asfbr-1916	132	2	this	this	DET
asfbr-1916	132	3	study	study	NOUN
asfbr-1916	132	4	includes	include	VERB
asfbr-1916	132	5	students	student	NOUN
asfbr-1916	132	6	at	at	ADP
asfbr-1916	132	7	the	the	DET
asfbr-1916	132	8	postgraduate	postgraduate	NOUN
asfbr-1916	132	9	level	level	NOUN
asfbr-1916	132	10	,	,	PUNCT
asfbr-1916	132	11	there	there	PRON
asfbr-1916	132	12	are	be	VERB
asfbr-1916	132	13	13.8	13.8	NUM
asfbr-1916	132	14	%	%	NOUN
asfbr-1916	132	15	of	of	ADP
asfbr-1916	132	16	them	they	PRON
asfbr-1916	132	17	are	be	AUX
asfbr-1916	132	18	worked	work	VERB
asfbr-1916	132	19	as	as	ADP
asfbr-1916	132	20	full	full	ADJ
asfbr-1916	132	21	-	-	PUNCT
asfbr-1916	132	22	time	time	NOUN
asfbr-1916	132	23	employees	employee	NOUN
asfbr-1916	132	24	.	.	PUNCT
asfbr-1916	133	1	on	on	ADP
asfbr-1916	133	2	the	the	DET
asfbr-1916	133	3	other	other	ADJ
asfbr-1916	133	4	hand	hand	NOUN
asfbr-1916	133	5	,	,	PUNCT
asfbr-1916	133	6	majority	majority	NOUN
asfbr-1916	133	7	of	of	ADP
asfbr-1916	133	8	the	the	DET
asfbr-1916	133	9	respondents	respondent	NOUN
asfbr-1916	133	10	(	(	PUNCT
asfbr-1916	133	11	69	69	NUM
asfbr-1916	133	12	%	%	NOUN
asfbr-1916	133	13	)	)	PUNCT
asfbr-1916	133	14	are	be	AUX
asfbr-1916	133	15	unemployed	unemployed	ADJ
asfbr-1916	133	16	.	.	PUNCT
asfbr-1916	134	1	finally	finally	ADV
asfbr-1916	134	2	,	,	PUNCT
asfbr-1916	134	3	monthly	monthly	ADJ
asfbr-1916	134	4	income	income	NOUN
asfbr-1916	134	5	received	receive	VERB
asfbr-1916	134	6	by	by	ADP
asfbr-1916	134	7	the	the	DET
asfbr-1916	134	8	respondents	respondent	NOUN
asfbr-1916	134	9	are	be	AUX
asfbr-1916	134	10	shown	show	VERB
asfbr-1916	134	11	in	in	ADP
asfbr-1916	134	12	figure	figure	NOUN
asfbr-1916	134	13	2f	2f	NUM
asfbr-1916	134	14	where	where	SCONJ
asfbr-1916	134	15	majority	majority	NOUN
asfbr-1916	134	16	of	of	ADP
asfbr-1916	134	17	them	they	PRON
asfbr-1916	134	18	received	receive	VERB
asfbr-1916	134	19	less	less	ADJ
asfbr-1916	134	20	than	than	ADP
asfbr-1916	134	21	rm1,000	rm1,000	VERB
asfbr-1916	134	22	per	per	ADP
asfbr-1916	134	23	month	month	NOUN
asfbr-1916	134	24	,	,	PUNCT
asfbr-1916	134	25	perhaps	perhaps	ADV
asfbr-1916	134	26	from	from	ADP
asfbr-1916	134	27	their	their	PRON
asfbr-1916	134	28	parents	parent	NOUN
asfbr-1916	134	29	.	.	PUNCT
asfbr-1916	135	1	there	there	PRON
asfbr-1916	135	2	are	be	VERB
asfbr-1916	135	3	four	four	NUM
asfbr-1916	135	4	respondents	respondent	NOUN
asfbr-1916	135	5	(	(	PUNCT
asfbr-1916	135	6	4.6	4.6	NUM
asfbr-1916	135	7	%	%	NOUN
asfbr-1916	135	8	)	)	PUNCT
asfbr-1916	135	9	are	be	AUX
asfbr-1916	135	10	having	have	VERB
asfbr-1916	135	11	a	a	DET
asfbr-1916	135	12	monthly	monthly	ADJ
asfbr-1916	135	13	income	income	NOUN
asfbr-1916	135	14	between	between	ADP
asfbr-1916	135	15	rm3,000	rm3,000	PROPN
asfbr-1916	135	16	to	to	ADP
asfbr-1916	135	17	rm4,999	rm4,999	NOUN
asfbr-1916	135	18	,	,	PUNCT
asfbr-1916	135	19	indicating	indicate	VERB
asfbr-1916	135	20	that	that	SCONJ
asfbr-1916	135	21	most	most	ADJ
asfbr-1916	135	22	of	of	ADP
asfbr-1916	135	23	the	the	DET
asfbr-1916	135	24	respondents	respondent	NOUN
asfbr-1916	135	25	belonged	belong	VERB
asfbr-1916	135	26	to	to	ADP
asfbr-1916	135	27	the	the	DET
asfbr-1916	135	28	middle	middle	NOUN
asfbr-1916	135	29	-	-	PUNCT
asfbr-1916	135	30	to	to	ADP
asfbr-1916	135	31	-	-	PUNCT
asfbr-1916	135	32	low	low	ADJ
asfbr-1916	135	33	income	income	NOUN
asfbr-1916	135	34	category	category	NOUN
asfbr-1916	135	35	.	.	PUNCT
asfbr-1916	136	1	the	the	DET
asfbr-1916	136	2	extent	extent	NOUN
asfbr-1916	136	3	of	of	ADP
asfbr-1916	136	4	customer	customer	NOUN
asfbr-1916	136	5	satisfaction	satisfaction	NOUN
asfbr-1916	136	6	towards	towards	ADP
asfbr-1916	136	7	e	e	NOUN
asfbr-1916	136	8	-	-	NOUN
asfbr-1916	136	9	banking	banking	ADJ
asfbr-1916	136	10	services	service	NOUN
asfbr-1916	136	11	this	this	DET
asfbr-1916	136	12	section	section	NOUN
asfbr-1916	136	13	reports	report	VERB
asfbr-1916	136	14	the	the	DET
asfbr-1916	136	15	finding	finding	NOUN
asfbr-1916	136	16	which	which	PRON
asfbr-1916	136	17	relate	relate	VERB
asfbr-1916	136	18	to	to	ADP
asfbr-1916	136	19	the	the	DET
asfbr-1916	136	20	extent	extent	NOUN
asfbr-1916	136	21	of	of	ADP
asfbr-1916	136	22	customer	customer	NOUN
asfbr-1916	136	23	satisfaction	satisfaction	NOUN
asfbr-1916	136	24	towards	towards	ADP
asfbr-1916	136	25	e	e	NOUN
asfbr-1916	136	26	-	-	NOUN
asfbr-1916	136	27	banking	banking	ADJ
asfbr-1916	136	28	services	service	NOUN
asfbr-1916	136	29	among	among	ADP
asfbr-1916	136	30	university	university	NOUN
asfbr-1916	136	31	students	student	NOUN
asfbr-1916	136	32	in	in	ADP
asfbr-1916	136	33	malaysia	malaysia	PROPN
asfbr-1916	136	34	.	.	PUNCT
asfbr-1916	137	1	one	one	NUM
asfbr-1916	137	2	sample	sample	NOUN
asfbr-1916	137	3	t	t	NOUN
asfbr-1916	137	4	-	-	PUNCT
asfbr-1916	137	5	test	test	NOUN
asfbr-1916	137	6	was	be	AUX
asfbr-1916	137	7	conducted	conduct	VERB
asfbr-1916	137	8	to	to	PART
asfbr-1916	137	9	test	test	VERB
asfbr-1916	137	10	whether	whether	SCONJ
asfbr-1916	137	11	the	the	DET
asfbr-1916	137	12	mean	mean	NOUN
asfbr-1916	137	13	of	of	ADP
asfbr-1916	137	14	overall	overall	ADJ
asfbr-1916	137	15	customer	customer	NOUN
asfbr-1916	137	16	satisfaction	satisfaction	NOUN
asfbr-1916	137	17	is	be	AUX
asfbr-1916	137	18	significantly	significantly	ADV
asfbr-1916	137	19	equal	equal	ADJ
asfbr-1916	137	20	to	to	ADP
asfbr-1916	137	21	or	or	CCONJ
asfbr-1916	137	22	different	different	ADJ
asfbr-1916	137	23	from	from	ADP
asfbr-1916	137	24	a	a	DET
asfbr-1916	137	25	specified	specify	VERB
asfbr-1916	137	26	constant	constant	ADJ
asfbr-1916	137	27	.	.	PUNCT
asfbr-1916	138	1	table	table	NOUN
asfbr-1916	138	2	3	3	NUM
asfbr-1916	138	3	shows	show	VERB
asfbr-1916	138	4	the	the	DET
asfbr-1916	138	5	mean	mean	ADJ
asfbr-1916	138	6	result	result	NOUN
asfbr-1916	138	7	of	of	ADP
asfbr-1916	138	8	4.1356	4.1356	NUM
asfbr-1916	138	9	for	for	ADP
asfbr-1916	138	10	customer	customer	NOUN
asfbr-1916	138	11	satisfaction	satisfaction	NOUN
asfbr-1916	138	12	which	which	PRON
asfbr-1916	138	13	indicates	indicate	VERB
asfbr-1916	138	14	that	that	SCONJ
asfbr-1916	138	15	respondents	respondent	NOUN
asfbr-1916	138	16	have	have	VERB
asfbr-1916	138	17	higher	high	ADJ
asfbr-1916	138	18	satisfaction	satisfaction	NOUN
asfbr-1916	138	19	in	in	ADP
asfbr-1916	138	20	using	use	VERB
asfbr-1916	138	21	e	e	NOUN
asfbr-1916	138	22	-	-	ADJ
asfbr-1916	138	23	banking	banking	ADJ
asfbr-1916	138	24	service	service	NOUN
asfbr-1916	138	25	while	while	SCONJ
asfbr-1916	138	26	managing	manage	VERB
asfbr-1916	138	27	their	their	PRON
asfbr-1916	138	28	financial	financial	ADJ
asfbr-1916	138	29	affairs	affair	NOUN
asfbr-1916	138	30	,	,	PUNCT
asfbr-1916	138	31	and	and	CCONJ
asfbr-1916	138	32	it	it	PRON
asfbr-1916	138	33	is	be	AUX
asfbr-1916	138	34	statistically	statistically	ADV
asfbr-1916	138	35	significant	significant	ADJ
asfbr-1916	138	36	at	at	ADP
asfbr-1916	138	37	1	1	NUM
asfbr-1916	138	38	%	%	NOUN
asfbr-1916	138	39	level	level	NOUN
asfbr-1916	138	40	.	.	PUNCT
asfbr-1916	139	1	overall	overall	ADJ
asfbr-1916	139	2	,	,	PUNCT
asfbr-1916	139	3	significant	significant	ADJ
asfbr-1916	139	4	number	number	NOUN
asfbr-1916	139	5	of	of	ADP
asfbr-1916	139	6	the	the	DET
asfbr-1916	139	7	respondents	respondent	NOUN
asfbr-1916	139	8	agreed	agree	VERB
asfbr-1916	139	9	that	that	SCONJ
asfbr-1916	139	10	they	they	PRON
asfbr-1916	139	11	have	have	VERB
asfbr-1916	139	12	positive	positive	ADJ
asfbr-1916	139	13	intention	intention	NOUN
asfbr-1916	139	14	to	to	PART
asfbr-1916	139	15	continue	continue	VERB
asfbr-1916	139	16	using	use	VERB
asfbr-1916	139	17	the	the	DET
asfbr-1916	139	18	online	online	ADJ
asfbr-1916	139	19	banking	banking	NOUN
asfbr-1916	139	20	in	in	ADP
asfbr-1916	139	21	future	future	NOUN
asfbr-1916	139	22	.	.	PUNCT
asfbr-1916	140	1	besides	besides	SCONJ
asfbr-1916	140	2	,	,	PUNCT
asfbr-1916	140	3	respondents	respondent	NOUN
asfbr-1916	140	4	also	also	ADV
asfbr-1916	140	5	revealed	reveal	VERB
asfbr-1916	140	6	that	that	SCONJ
asfbr-1916	140	7	by	by	ADP
asfbr-1916	140	8	using	use	VERB
asfbr-1916	140	9	ebanking	ebanking	ADJ
asfbr-1916	140	10	service	service	NOUN
asfbr-1916	140	11	,	,	PUNCT
asfbr-1916	140	12	they	they	PRON
asfbr-1916	140	13	can	can	AUX
asfbr-1916	140	14	complete	complete	VERB
asfbr-1916	140	15	a	a	DET
asfbr-1916	140	16	transaction	transaction	NOUN
asfbr-1916	140	17	quickly	quickly	ADV
asfbr-1916	140	18	on	on	ADP
asfbr-1916	140	19	the	the	DET
asfbr-1916	140	20	website	website	NOUN
asfbr-1916	140	21	of	of	ADP
asfbr-1916	140	22	online	online	ADJ
asfbr-1916	140	23	banks	bank	NOUN
asfbr-1916	140	24	.	.	PUNCT
asfbr-1916	141	1	this	this	DET
asfbr-1916	141	2	result	result	NOUN
asfbr-1916	141	3	is	be	AUX
asfbr-1916	141	4	consistent	consistent	ADJ
asfbr-1916	141	5	with	with	ADP
asfbr-1916	141	6	a	a	DET
asfbr-1916	141	7	finding	finding	NOUN
asfbr-1916	141	8	by	by	ADP
asfbr-1916	141	9	asiyanbi	asiyanbi	NOUN
asfbr-1916	141	10	and	and	CCONJ
asfbr-1916	141	11	ishola	ishola	PROPN
asfbr-1916	141	12	(	(	PUNCT
asfbr-1916	141	13	2018	2018	NUM
asfbr-1916	141	14	)	)	PUNCT
asfbr-1916	141	15	as	as	SCONJ
asfbr-1916	141	16	they	they	PRON
asfbr-1916	141	17	found	find	VERB
asfbr-1916	141	18	that	that	SCONJ
asfbr-1916	141	19	customers	customer	NOUN
asfbr-1916	141	20	were	be	AUX
asfbr-1916	141	21	satisfied	satisfied	ADJ
asfbr-1916	141	22	with	with	ADP
asfbr-1916	141	23	e	e	NOUN
asfbr-1916	141	24	-	-	NOUN
asfbr-1916	141	25	banking	banking	NOUN
asfbr-1916	141	26	due	due	ADP
asfbr-1916	141	27	to	to	ADP
asfbr-1916	141	28	its	its	PRON
asfbr-1916	141	29	cashless	cashless	NOUN
asfbr-1916	141	30	nature	nature	NOUN
asfbr-1916	141	31	,	,	PUNCT
asfbr-1916	141	32	51.7	51.7	NUM
asfbr-1916	141	33	%	%	NOUN
asfbr-1916	141	34	48.3	48.3	NUM
asfbr-1916	141	35	%	%	NOUN
asfbr-1916	141	36	female	female	ADJ
asfbr-1916	141	37	male	male	NOUN
asfbr-1916	141	38	0	0	NUM
asfbr-1916	141	39	%	%	NOUN
asfbr-1916	141	40	20	20	NUM
asfbr-1916	141	41	%	%	NOUN
asfbr-1916	141	42	40	40	NUM
asfbr-1916	141	43	%	%	NOUN
asfbr-1916	141	44	60	60	NUM
asfbr-1916	141	45	%	%	NOUN
asfbr-1916	141	46	80	80	NUM
asfbr-1916	141	47	%	%	NOUN
asfbr-1916	141	48	18	18	NUM
asfbr-1916	141	49	-	-	SYM
asfbr-1916	141	50	20	20	NUM
asfbr-1916	141	51	years	year	NOUN
asfbr-1916	141	52	21	21	NUM
asfbr-1916	141	53	-	-	SYM
asfbr-1916	141	54	23	23	NUM
asfbr-1916	141	55	years	year	NOUN
asfbr-1916	141	56	24	24	NUM
asfbr-1916	141	57	-	-	SYM
asfbr-1916	141	58	26	26	NUM
asfbr-1916	141	59	years	year	NOUN
asfbr-1916	141	60	27	27	NUM
asfbr-1916	141	61	-	-	SYM
asfbr-1916	141	62	30	30	NUM
asfbr-1916	141	63	years	year	NOUN
asfbr-1916	141	64	5.7	5.7	NUM
asfbr-1916	141	65	%	%	NOUN
asfbr-1916	141	66	72.4	72.4	NUM
asfbr-1916	141	67	%	%	NOUN
asfbr-1916	141	68	20.7	20.7	NUM
asfbr-1916	141	69	%	%	NOUN
asfbr-1916	141	70	1.1	1.1	NUM
asfbr-1916	141	71	%	%	NOUN
asfbr-1916	141	72	21.8	21.8	NUM
asfbr-1916	141	73	%	%	NOUN
asfbr-1916	141	74	12.6	12.6	NUM
asfbr-1916	141	75	%	%	NOUN
asfbr-1916	141	76	64.4	64.4	NUM
asfbr-1916	141	77	%	%	NOUN
asfbr-1916	141	78	1.1	1.1	NUM
asfbr-1916	141	79	%	%	NOUN
asfbr-1916	141	80	malay	malay	NOUN
asfbr-1916	141	81	chinese	chinese	PROPN
asfbr-1916	141	82	indian	indian	PROPN
asfbr-1916	141	83	other	other	ADJ
asfbr-1916	141	84	0	0	NUM
asfbr-1916	141	85	%	%	NOUN
asfbr-1916	141	86	20	20	NUM
asfbr-1916	141	87	%	%	NOUN
asfbr-1916	141	88	40	40	NUM
asfbr-1916	141	89	%	%	NOUN
asfbr-1916	141	90	60	60	NUM
asfbr-1916	141	91	%	%	NOUN
asfbr-1916	141	92	80	80	NUM
asfbr-1916	141	93	%	%	NOUN
asfbr-1916	141	94	foundation	foundation	NOUN
asfbr-1916	141	95	undergraduate	undergraduate	NOUN
asfbr-1916	141	96	postgraduate	postgraduate	VERB
asfbr-1916	141	97	other	other	ADJ
asfbr-1916	141	98	4.6	4.6	NUM
asfbr-1916	141	99	%	%	NOUN
asfbr-1916	141	100	74.7	74.7	NUM
asfbr-1916	141	101	%	%	NOUN
asfbr-1916	141	102	17.2	17.2	NUM
asfbr-1916	141	103	%	%	NOUN
asfbr-1916	141	104	3.4	3.4	NUM
asfbr-1916	141	105	%	%	NOUN
asfbr-1916	141	106	0	0	NUM
asfbr-1916	141	107	%	%	NOUN
asfbr-1916	141	108	20	20	NUM
asfbr-1916	141	109	%	%	NOUN
asfbr-1916	141	110	40	40	NUM
asfbr-1916	141	111	%	%	NOUN
asfbr-1916	141	112	60	60	NUM
asfbr-1916	141	113	%	%	NOUN
asfbr-1916	141	114	80	80	NUM
asfbr-1916	141	115	%	%	NOUN
asfbr-1916	141	116	part	part	NOUN
asfbr-1916	141	117	-	-	PUNCT
asfbr-1916	141	118	time	time	NOUN
asfbr-1916	141	119	full	full	ADJ
asfbr-1916	141	120	-	-	PUNCT
asfbr-1916	141	121	time	time	NOUN
asfbr-1916	141	122	self	self	NOUN
asfbr-1916	141	123	-	-	PUNCT
asfbr-1916	141	124	employed	employ	VERB
asfbr-1916	141	125	unemployed	unemployed	ADJ
asfbr-1916	141	126	11.5	11.5	NUM
asfbr-1916	141	127	%	%	NOUN
asfbr-1916	141	128	13.8	13.8	NUM
asfbr-1916	141	129	%	%	NOUN
asfbr-1916	141	130	5.7	5.7	NUM
asfbr-1916	141	131	%	%	NOUN
asfbr-1916	141	132	69.0	69.0	NUM
asfbr-1916	141	133	%	%	NOUN
asfbr-1916	141	134	0	0	NUM
asfbr-1916	141	135	%	%	NOUN
asfbr-1916	141	136	20	20	NUM
asfbr-1916	141	137	%	%	NOUN
asfbr-1916	141	138	40	40	NUM
asfbr-1916	141	139	%	%	NOUN
asfbr-1916	141	140	60	60	NUM
asfbr-1916	141	141	%	%	NOUN
asfbr-1916	141	142	80	80	NUM
asfbr-1916	141	143	%	%	NOUN
asfbr-1916	141	144	<	<	X
asfbr-1916	141	145	rm1,000	rm1,000	ADJ
asfbr-1916	141	146	rm1,001	rm1,001	NOUN
asfbr-1916	141	147	-	-	PUNCT
asfbr-1916	141	148	rm2,999	rm2,999	NOUN
asfbr-1916	141	149	rm3,000	rm3,000	PROPN
asfbr-1916	141	150	-	-	PUNCT
asfbr-1916	141	151	rm4,999	rm4,999	NOUN
asfbr-1916	141	152	75.9	75.9	NUM
asfbr-1916	141	153	%	%	NOUN
asfbr-1916	141	154	19.5	19.5	NUM
asfbr-1916	141	155	%	%	NOUN
asfbr-1916	141	156	4.6	4.6	NUM
asfbr-1916	141	157	%	%	NOUN
asfbr-1916	141	158	hamzah	hamzah	PROPN
asfbr-1916	141	159	et	et	PROPN
asfbr-1916	141	160	al	al	PROPN
asfbr-1916	141	161	.	.	PROPN
asfbr-1916	141	162	,	,	PUNCT
asfbr-1916	141	163	asian	asian	PROPN
asfbr-1916	141	164	finance	finance	PROPN
asfbr-1916	141	165	&	&	CCONJ
asfbr-1916	141	166	banking	banking	PROPN
asfbr-1916	141	167	review	review	NOUN
asfbr-1916	141	168	7(1	7(1	NUM
asfbr-1916	141	169	)	)	PUNCT
asfbr-1916	141	170	(	(	PUNCT
asfbr-1916	141	171	2023	2023	NUM
asfbr-1916	141	172	)	)	PUNCT
asfbr-1916	141	173	,	,	PUNCT
asfbr-1916	141	174	1	1	NUM
asfbr-1916	141	175	-	-	SYM
asfbr-1916	141	176	9	9	NUM
asfbr-1916	141	177	6	6	NUM
asfbr-1916	141	178	cash	cash	NOUN
asfbr-1916	141	179	accessibility	accessibility	NOUN
asfbr-1916	141	180	,	,	PUNCT
asfbr-1916	141	181	saves	save	VERB
asfbr-1916	141	182	time	time	NOUN
asfbr-1916	141	183	from	from	ADP
asfbr-1916	141	184	bank	bank	NOUN
asfbr-1916	141	185	visitation	visitation	NOUN
asfbr-1916	141	186	,	,	PUNCT
asfbr-1916	141	187	and	and	CCONJ
asfbr-1916	141	188	seamless	seamless	ADJ
asfbr-1916	141	189	transactions	transaction	NOUN
asfbr-1916	141	190	.	.	PUNCT
asfbr-1916	142	1	table	table	NOUN
asfbr-1916	142	2	3	3	NUM
asfbr-1916	142	3	.	.	PUNCT
asfbr-1916	143	1	the	the	DET
asfbr-1916	143	2	extent	extent	NOUN
asfbr-1916	143	3	of	of	ADP
asfbr-1916	143	4	customer	customer	NOUN
asfbr-1916	143	5	satisfaction	satisfaction	NOUN
asfbr-1916	143	6	perceived	perceive	VERB
asfbr-1916	143	7	by	by	ADP
asfbr-1916	143	8	respondents	respondent	NOUN
asfbr-1916	143	9	n	n	PRON
asfbr-1916	143	10	mean	mean	VERB
asfbr-1916	143	11	one	one	NUM
asfbr-1916	143	12	sample	sample	NOUN
asfbr-1916	143	13	t	t	NOUN
asfbr-1916	143	14	-	-	PUNCT
asfbr-1916	143	15	test	test	NOUN
asfbr-1916	143	16	t	t	NOUN
asfbr-1916	143	17	-	-	PUNCT
asfbr-1916	143	18	statistic	statistic	NOUN
asfbr-1916	143	19	p	p	NOUN
asfbr-1916	143	20	value	value	NOUN
asfbr-1916	143	21	customer	customer	NOUN
asfbr-1916	143	22	satisfaction	satisfaction	NOUN
asfbr-1916	143	23	87	87	NUM
asfbr-1916	144	1	4.1356	4.1356	NUM
asfbr-1916	144	2	57.683	57.683	NUM
asfbr-1916	144	3	.000	.000	NUM
asfbr-1916	144	4	*	*	PUNCT
asfbr-1916	144	5	*	*	PUNCT
asfbr-1916	144	6	*	*	PUNCT
asfbr-1916	144	7	note	note	NOUN
asfbr-1916	144	8	:	:	PUNCT
asfbr-1916	144	9	result	result	NOUN
asfbr-1916	144	10	is	be	AUX
asfbr-1916	144	11	significantly	significantly	ADV
asfbr-1916	144	12	different	different	ADJ
asfbr-1916	144	13	at	at	ADP
asfbr-1916	144	14	*	*	PUNCT
asfbr-1916	144	15	*	*	PUNCT
asfbr-1916	144	16	*	*	PUNCT
asfbr-1916	144	17	1	1	NUM
asfbr-1916	144	18	%	%	NOUN
asfbr-1916	144	19	level	level	NOUN
asfbr-1916	144	20	and	and	CCONJ
asfbr-1916	144	21	*	*	NOUN
asfbr-1916	144	22	*	*	NOUN
asfbr-1916	144	23	5	5	NUM
asfbr-1916	144	24	%	%	NOUN
asfbr-1916	144	25	level	level	NOUN
asfbr-1916	144	26	,	,	PUNCT
asfbr-1916	144	27	respectively	respectively	ADV
asfbr-1916	144	28	,	,	PUNCT
asfbr-1916	144	29	using	use	VERB
asfbr-1916	144	30	two	two	NUM
asfbr-1916	144	31	-	-	PUNCT
asfbr-1916	144	32	tailed	tail	VERB
asfbr-1916	144	33	tests	test	NOUN
asfbr-1916	144	34	.	.	PUNCT
asfbr-1916	145	1	an	an	DET
asfbr-1916	145	2	independent	independent	ADJ
asfbr-1916	145	3	sample	sample	NOUN
asfbr-1916	145	4	t	t	PROPN
asfbr-1916	145	5	-	-	PUNCT
asfbr-1916	145	6	test	test	NOUN
asfbr-1916	145	7	was	be	AUX
asfbr-1916	145	8	conducted	conduct	VERB
asfbr-1916	145	9	to	to	PART
asfbr-1916	145	10	compare	compare	VERB
asfbr-1916	145	11	the	the	DET
asfbr-1916	145	12	extent	extent	NOUN
asfbr-1916	145	13	of	of	ADP
asfbr-1916	145	14	customer	customer	NOUN
asfbr-1916	145	15	satisfaction	satisfaction	NOUN
asfbr-1916	145	16	towards	towards	ADP
asfbr-1916	145	17	e	e	NOUN
asfbr-1916	145	18	-	-	NOUN
asfbr-1916	145	19	banking	banking	ADJ
asfbr-1916	145	20	services	service	NOUN
asfbr-1916	145	21	among	among	ADP
asfbr-1916	145	22	respondents	respondent	NOUN
asfbr-1916	145	23	based	base	VERB
asfbr-1916	145	24	on	on	ADP
asfbr-1916	145	25	their	their	PRON
asfbr-1916	145	26	gender	gender	NOUN
asfbr-1916	145	27	.	.	PUNCT
asfbr-1916	146	1	the	the	DET
asfbr-1916	146	2	result	result	NOUN
asfbr-1916	146	3	in	in	ADP
asfbr-1916	146	4	table	table	NOUN
asfbr-1916	146	5	4	4	NUM
asfbr-1916	146	6	shows	show	VERB
asfbr-1916	146	7	that	that	SCONJ
asfbr-1916	146	8	there	there	PRON
asfbr-1916	146	9	is	be	VERB
asfbr-1916	146	10	insignificant	insignificant	ADJ
asfbr-1916	146	11	difference	difference	NOUN
asfbr-1916	146	12	in	in	ADP
asfbr-1916	146	13	the	the	DET
asfbr-1916	146	14	scores	score	NOUN
asfbr-1916	146	15	of	of	ADP
asfbr-1916	146	16	customer	customer	NOUN
asfbr-1916	146	17	satisfaction	satisfaction	NOUN
asfbr-1916	146	18	among	among	ADP
asfbr-1916	146	19	respondents	respondent	NOUN
asfbr-1916	146	20	based	base	VERB
asfbr-1916	146	21	on	on	ADP
asfbr-1916	146	22	different	different	ADJ
asfbr-1916	146	23	gender	gender	NOUN
asfbr-1916	146	24	(	(	PUNCT
asfbr-1916	146	25	t	t	NOUN
asfbr-1916	146	26	-	-	PUNCT
asfbr-1916	146	27	statistic	statistic	NOUN
asfbr-1916	146	28	=	=	SYM
asfbr-1916	146	29	0.832ns	0.832ns	NOUN
asfbr-1916	146	30	)	)	PUNCT
asfbr-1916	146	31	.	.	PUNCT
asfbr-1916	147	1	this	this	DET
asfbr-1916	147	2	finding	finding	NOUN
asfbr-1916	147	3	is	be	AUX
asfbr-1916	147	4	in	in	ADP
asfbr-1916	147	5	tandem	tandem	NOUN
asfbr-1916	147	6	with	with	ADP
asfbr-1916	147	7	njuguna	njuguna	PRON
asfbr-1916	147	8	et	et	PROPN
asfbr-1916	147	9	al	al	PROPN
asfbr-1916	147	10	.	.	PROPN
asfbr-1916	148	1	(	(	PUNCT
asfbr-1916	148	2	2012	2012	NUM
asfbr-1916	148	3	)	)	PUNCT
asfbr-1916	148	4	that	that	PRON
asfbr-1916	148	5	suggested	suggest	VERB
asfbr-1916	148	6	gender	gender	NOUN
asfbr-1916	148	7	did	do	AUX
asfbr-1916	148	8	not	not	PART
asfbr-1916	148	9	correlate	correlate	VERB
asfbr-1916	148	10	with	with	ADP
asfbr-1916	148	11	e	e	NOUN
asfbr-1916	148	12	-	-	ADJ
asfbr-1916	148	13	banking	banking	ADJ
asfbr-1916	148	14	adoption	adoption	NOUN
asfbr-1916	148	15	,	,	PUNCT
asfbr-1916	148	16	meaning	mean	VERB
asfbr-1916	148	17	males	male	NOUN
asfbr-1916	148	18	and	and	CCONJ
asfbr-1916	148	19	females	female	NOUN
asfbr-1916	148	20	perceived	perceive	VERB
asfbr-1916	148	21	characteristics	characteristic	NOUN
asfbr-1916	148	22	of	of	ADP
asfbr-1916	148	23	e	e	NOUN
asfbr-1916	148	24	-	-	NOUN
asfbr-1916	148	25	banking	banking	NOUN
asfbr-1916	148	26	in	in	ADP
asfbr-1916	148	27	a	a	DET
asfbr-1916	148	28	similar	similar	ADJ
asfbr-1916	148	29	way	way	NOUN
asfbr-1916	148	30	.	.	PUNCT
asfbr-1916	149	1	table	table	NOUN
asfbr-1916	149	2	4	4	NUM
asfbr-1916	149	3	.	.	PUNCT
asfbr-1916	150	1	the	the	DET
asfbr-1916	150	2	extent	extent	NOUN
asfbr-1916	150	3	of	of	ADP
asfbr-1916	150	4	customer	customer	NOUN
asfbr-1916	150	5	satisfaction	satisfaction	NOUN
asfbr-1916	150	6	perceived	perceive	VERB
asfbr-1916	150	7	by	by	ADP
asfbr-1916	150	8	respondents	respondent	NOUN
asfbr-1916	150	9	based	base	VERB
asfbr-1916	150	10	on	on	ADP
asfbr-1916	150	11	gender	gender	NOUN
asfbr-1916	150	12	gender	gender	NOUN
asfbr-1916	150	13	n	n	PRON
asfbr-1916	150	14	customer	customer	NOUN
asfbr-1916	150	15	satisfaction	satisfaction	NOUN
asfbr-1916	150	16	independent	independent	ADJ
asfbr-1916	150	17	sample	sample	PROPN
asfbr-1916	150	18	t	t	PROPN
asfbr-1916	150	19	-	-	PUNCT
asfbr-1916	150	20	test	test	NOUN
asfbr-1916	150	21	mean	mean	NOUN
asfbr-1916	150	22	sd	sd	ADP
asfbr-1916	150	23	t	t	PROPN
asfbr-1916	150	24	-	-	PUNCT
asfbr-1916	150	25	statistic	statistic	NOUN
asfbr-1916	150	26	p	p	NOUN
asfbr-1916	150	27	value	value	NOUN
asfbr-1916	150	28	male	male	NOUN
asfbr-1916	150	29	42	42	NUM
asfbr-1916	150	30	4.0738	4.0738	NUM
asfbr-1916	150	31	0.7506	0.7506	NUM
asfbr-1916	150	32	0.832	0.832	NUM
asfbr-1916	150	33	.408ns	.408ns	PUNCT
asfbr-1916	150	34	female	female	ADJ
asfbr-1916	150	35	45	45	NUM
asfbr-1916	150	36	4.1933	4.1933	NUM
asfbr-1916	150	37	0.5848	0.5848	NUM
asfbr-1916	150	38	note	note	NOUN
asfbr-1916	150	39	:	:	PUNCT
asfbr-1916	150	40	results	result	NOUN
asfbr-1916	150	41	significantly	significantly	ADV
asfbr-1916	150	42	different	different	ADJ
asfbr-1916	150	43	at	at	ADP
asfbr-1916	150	44	the	the	DET
asfbr-1916	150	45	*	*	PROPN
asfbr-1916	150	46	*	*	PUNCT
asfbr-1916	150	47	*	*	SYM
asfbr-1916	150	48	1	1	NUM
asfbr-1916	150	49	percent	percent	NOUN
asfbr-1916	150	50	level	level	NOUN
asfbr-1916	150	51	and	and	CCONJ
asfbr-1916	150	52	*	*	NOUN
asfbr-1916	150	53	*	*	SYM
asfbr-1916	150	54	5	5	NUM
asfbr-1916	150	55	percent	percent	NOUN
asfbr-1916	150	56	level	level	NOUN
asfbr-1916	150	57	,	,	PUNCT
asfbr-1916	150	58	respectively	respectively	ADV
asfbr-1916	150	59	,	,	PUNCT
asfbr-1916	150	60	using	use	VERB
asfbr-1916	150	61	two	two	NUM
asfbr-1916	150	62	-	-	PUNCT
asfbr-1916	150	63	tailed	tail	VERB
asfbr-1916	150	64	tests	test	NOUN
asfbr-1916	150	65	factors	factor	NOUN
asfbr-1916	150	66	influencing	influence	VERB
asfbr-1916	150	67	customer	customer	NOUN
asfbr-1916	150	68	satisfaction	satisfaction	NOUN
asfbr-1916	150	69	this	this	DET
asfbr-1916	150	70	section	section	NOUN
asfbr-1916	150	71	will	will	AUX
asfbr-1916	150	72	discuss	discuss	VERB
asfbr-1916	150	73	the	the	DET
asfbr-1916	150	74	results	result	NOUN
asfbr-1916	150	75	for	for	SCONJ
asfbr-1916	150	76	the	the	DET
asfbr-1916	150	77	objective	objective	NOUN
asfbr-1916	150	78	to	to	PART
asfbr-1916	150	79	examine	examine	VERB
asfbr-1916	150	80	the	the	DET
asfbr-1916	150	81	factors	factor	NOUN
asfbr-1916	150	82	influencing	influence	VERB
asfbr-1916	150	83	customer	customer	NOUN
asfbr-1916	150	84	’s	’s	PART
asfbr-1916	150	85	satisfaction	satisfaction	NOUN
asfbr-1916	150	86	towards	towards	ADP
asfbr-1916	150	87	ebanking	ebanking	ADJ
asfbr-1916	150	88	service	service	NOUN
asfbr-1916	150	89	among	among	ADP
asfbr-1916	150	90	university	university	NOUN
asfbr-1916	150	91	students	student	NOUN
asfbr-1916	150	92	in	in	ADP
asfbr-1916	150	93	malaysia	malaysia	PROPN
asfbr-1916	150	94	.	.	PUNCT
asfbr-1916	151	1	the	the	DET
asfbr-1916	151	2	summary	summary	NOUN
asfbr-1916	151	3	results	result	NOUN
asfbr-1916	151	4	of	of	ADP
asfbr-1916	151	5	the	the	DET
asfbr-1916	151	6	standard	standard	ADJ
asfbr-1916	151	7	multiple	multiple	ADJ
asfbr-1916	151	8	regression	regression	NOUN
asfbr-1916	151	9	analysis	analysis	NOUN
asfbr-1916	151	10	on	on	ADP
asfbr-1916	151	11	the	the	DET
asfbr-1916	151	12	factors	factor	NOUN
asfbr-1916	151	13	influencing	influence	VERB
asfbr-1916	151	14	customer	customer	NOUN
asfbr-1916	151	15	satisfaction	satisfaction	NOUN
asfbr-1916	151	16	are	be	AUX
asfbr-1916	151	17	presented	present	VERB
asfbr-1916	151	18	in	in	ADP
asfbr-1916	151	19	table	table	NOUN
asfbr-1916	151	20	5	5	NUM
asfbr-1916	151	21	.	.	PUNCT
asfbr-1916	152	1	the	the	DET
asfbr-1916	152	2	regression	regression	NOUN
asfbr-1916	152	3	of	of	ADP
asfbr-1916	152	4	model	model	NOUN
asfbr-1916	152	5	(	(	PUNCT
asfbr-1916	152	6	f(3	f(3	PROPN
asfbr-1916	152	7	,	,	PUNCT
asfbr-1916	152	8	87	87	NUM
asfbr-1916	152	9	)	)	PUNCT
asfbr-1916	152	10	=	=	SYM
asfbr-1916	152	11	50.972	50.972	NUM
asfbr-1916	152	12	,	,	PUNCT
asfbr-1916	152	13	p	p	NOUN
asfbr-1916	152	14	value	value	NOUN
asfbr-1916	152	15	=	=	SYM
asfbr-1916	152	16	.000	.000	NUM
asfbr-1916	152	17	*	*	PUNCT
asfbr-1916	152	18	*	*	PUNCT
asfbr-1916	152	19	*	*	PUNCT
asfbr-1916	152	20	)	)	PUNCT
asfbr-1916	152	21	is	be	AUX
asfbr-1916	152	22	significant	significant	ADJ
asfbr-1916	152	23	at	at	ADP
asfbr-1916	152	24	the	the	DET
asfbr-1916	152	25	1	1	NUM
asfbr-1916	152	26	%	%	NOUN
asfbr-1916	152	27	,	,	PUNCT
asfbr-1916	152	28	and	and	CCONJ
asfbr-1916	152	29	the	the	DET
asfbr-1916	152	30	overall	overall	ADJ
asfbr-1916	152	31	fit	fit	NOUN
asfbr-1916	152	32	of	of	ADP
asfbr-1916	152	33	the	the	DET
asfbr-1916	152	34	model	model	NOUN
asfbr-1916	152	35	is	be	AUX
asfbr-1916	152	36	moderate	moderate	ADJ
asfbr-1916	152	37	with	with	SCONJ
asfbr-1916	152	38	r2	r2	NOUN
asfbr-1916	152	39	value	value	NOUN
asfbr-1916	152	40	is	be	AUX
asfbr-1916	152	41	64.8	64.8	NUM
asfbr-1916	152	42	%	%	NOUN
asfbr-1916	152	43	of	of	ADP
asfbr-1916	152	44	the	the	DET
asfbr-1916	152	45	variation	variation	NOUN
asfbr-1916	152	46	in	in	ADP
asfbr-1916	152	47	the	the	DET
asfbr-1916	152	48	customer	customer	NOUN
asfbr-1916	152	49	satisfaction	satisfaction	NOUN
asfbr-1916	152	50	.	.	PUNCT
asfbr-1916	153	1	this	this	PRON
asfbr-1916	153	2	indicates	indicate	VERB
asfbr-1916	153	3	that	that	SCONJ
asfbr-1916	153	4	the	the	DET
asfbr-1916	153	5	predictor	predictor	NOUN
asfbr-1916	153	6	variables	variable	VERB
asfbr-1916	153	7	in	in	ADP
asfbr-1916	153	8	the	the	DET
asfbr-1916	153	9	model	model	NOUN
asfbr-1916	153	10	explained	explain	VERB
asfbr-1916	153	11	for	for	ADP
asfbr-1916	153	12	approximately	approximately	ADV
asfbr-1916	153	13	64.8	64.8	NUM
asfbr-1916	153	14	%	%	NOUN
asfbr-1916	153	15	of	of	ADP
asfbr-1916	153	16	the	the	DET
asfbr-1916	153	17	total	total	ADJ
asfbr-1916	153	18	variability	variability	NOUN
asfbr-1916	153	19	in	in	ADP
asfbr-1916	153	20	the	the	DET
asfbr-1916	153	21	customer	customer	NOUN
asfbr-1916	153	22	satisfaction	satisfaction	NOUN
asfbr-1916	153	23	.	.	PUNCT
asfbr-1916	154	1	table	table	NOUN
asfbr-1916	154	2	5	5	NUM
asfbr-1916	154	3	.	.	PUNCT
asfbr-1916	154	4	standard	standard	ADJ
asfbr-1916	154	5	multiple	multiple	ADJ
asfbr-1916	154	6	regression	regression	NOUN
asfbr-1916	154	7	results	result	NOUN
asfbr-1916	154	8	on	on	ADP
asfbr-1916	154	9	the	the	DET
asfbr-1916	154	10	factors	factor	NOUN
asfbr-1916	154	11	influencing	influence	VERB
asfbr-1916	154	12	customer	customer	NOUN
asfbr-1916	154	13	satisfaction	satisfaction	NOUN
asfbr-1916	154	14	on	on	ADP
asfbr-1916	154	15	e	e	NOUN
asfbr-1916	154	16	-	-	ADJ
asfbr-1916	154	17	banking	banking	ADJ
asfbr-1916	154	18	service	service	NOUN
asfbr-1916	154	19	hyp	hyp	PROPN
asfbr-1916	154	20	.	.	PUNCT
asfbr-1916	155	1	std	std	NOUN
asfbr-1916	155	2	.	.	PUNCT
asfbr-1916	156	1	beta	beta	ADJ
asfbr-1916	156	2	coefficient	coefficient	NOUN
asfbr-1916	156	3	t	t	NOUN
asfbr-1916	156	4	-	-	PUNCT
asfbr-1916	156	5	statistic	statistic	NOUN
asfbr-1916	156	6	p	p	NOUN
asfbr-1916	156	7	value	value	NOUN
asfbr-1916	156	8	intercept	intercept	VERB
asfbr-1916	156	9	3.233	3.233	NUM
asfbr-1916	156	10	.002	.002	NUM
asfbr-1916	156	11	*	*	PUNCT
asfbr-1916	156	12	*	*	PUNCT
asfbr-1916	156	13	*	*	PUNCT
asfbr-1916	156	14	reliability	reliability	NOUN
asfbr-1916	156	15	h1	h1	NOUN
asfbr-1916	156	16	0.297	0.297	NUM
asfbr-1916	156	17	2.514	2.514	NUM
asfbr-1916	156	18	.014	.014	NUM
asfbr-1916	156	19	*	*	PUNCT
asfbr-1916	156	20	*	*	PUNCT
asfbr-1916	156	21	security	security	NOUN
asfbr-1916	156	22	h2	h2	NOUN
asfbr-1916	156	23	0.288	0.288	NUM
asfbr-1916	156	24	2.683	2.683	NUM
asfbr-1916	156	25	.009	.009	NUM
asfbr-1916	156	26	*	*	PUNCT
asfbr-1916	156	27	*	*	PUNCT
asfbr-1916	156	28	*	*	PUNCT
asfbr-1916	156	29	perceived	perceive	VERB
asfbr-1916	156	30	usefulness	usefulness	NOUN
asfbr-1916	156	31	h3	h3	NOUN
asfbr-1916	156	32	0.289	0.289	NUM
asfbr-1916	156	33	2.443	2.443	NUM
asfbr-1916	156	34	.017	.017	NUM
asfbr-1916	156	35	*	*	PUNCT
asfbr-1916	156	36	*	*	PUNCT
asfbr-1916	156	37	model	model	NOUN
asfbr-1916	156	38	summary	summary	NOUN
asfbr-1916	156	39	:	:	PUNCT
asfbr-1916	156	40	r2	r2	PROPN
asfbr-1916	156	41	value	value	NOUN
asfbr-1916	156	42	64.8	64.8	NUM
asfbr-1916	156	43	%	%	NOUN
asfbr-1916	156	44	anova	anova	PROPN
asfbr-1916	156	45	results	result	VERB
asfbr-1916	156	46	:	:	PUNCT
asfbr-1916	156	47	f	f	X
asfbr-1916	156	48	-	-	PUNCT
asfbr-1916	156	49	value	value	NOUN
asfbr-1916	156	50	(	(	PUNCT
asfbr-1916	156	51	sig	sig	NOUN
asfbr-1916	156	52	.	.	PUNCT
asfbr-1916	156	53	)	)	PUNCT
asfbr-1916	157	1	50.972	50.972	NUM
asfbr-1916	157	2	*	*	PUNCT
asfbr-1916	157	3	*	*	PUNCT
asfbr-1916	157	4	*	*	PUNCT
asfbr-1916	157	5	obs	obs	PROPN
asfbr-1916	157	6	.	.	PUNCT
asfbr-1916	158	1	87	87	NUM
asfbr-1916	158	2	note	note	NOUN
asfbr-1916	158	3	:	:	PUNCT
asfbr-1916	158	4	association	association	NOUN
asfbr-1916	158	5	is	be	AUX
asfbr-1916	158	6	significant	significant	ADJ
asfbr-1916	158	7	at	at	ADP
asfbr-1916	158	8	*	*	PROPN
asfbr-1916	158	9	*	*	PUNCT
asfbr-1916	158	10	*	*	PUNCT
asfbr-1916	158	11	1	1	NUM
asfbr-1916	158	12	%	%	NOUN
asfbr-1916	158	13	level	level	NOUN
asfbr-1916	158	14	,	,	PUNCT
asfbr-1916	158	15	*	*	PUNCT
asfbr-1916	158	16	*	*	PUNCT
asfbr-1916	158	17	5	5	NUM
asfbr-1916	158	18	%	%	NOUN
asfbr-1916	158	19	level	level	NOUN
asfbr-1916	158	20	,	,	PUNCT
asfbr-1916	158	21	respectively	respectively	ADV
asfbr-1916	158	22	,	,	PUNCT
asfbr-1916	158	23	using	use	VERB
asfbr-1916	158	24	two	two	NUM
asfbr-1916	158	25	-	-	PUNCT
asfbr-1916	158	26	tailed	tail	VERB
asfbr-1916	158	27	tests	test	NOUN
asfbr-1916	158	28	.	.	PUNCT
asfbr-1916	159	1	results	result	NOUN
asfbr-1916	159	2	in	in	ADP
asfbr-1916	159	3	table	table	NOUN
asfbr-1916	159	4	5	5	NUM
asfbr-1916	159	5	show	show	VERB
asfbr-1916	159	6	that	that	SCONJ
asfbr-1916	159	7	reliability	reliability	NOUN
asfbr-1916	159	8	has	have	VERB
asfbr-1916	159	9	a	a	DET
asfbr-1916	159	10	positive	positive	ADJ
asfbr-1916	159	11	and	and	CCONJ
asfbr-1916	159	12	significant	significant	ADJ
asfbr-1916	159	13	association	association	NOUN
asfbr-1916	159	14	with	with	ADP
asfbr-1916	159	15	customer	customer	NOUN
asfbr-1916	159	16	satisfaction	satisfaction	NOUN
asfbr-1916	159	17	on	on	ADP
asfbr-1916	159	18	ebanking	ebanking	ADJ
asfbr-1916	159	19	services	service	NOUN
asfbr-1916	159	20	(	(	PUNCT
asfbr-1916	159	21	β	β	X
asfbr-1916	159	22	=	=	SYM
asfbr-1916	159	23	0.297	0.297	NUM
asfbr-1916	159	24	,	,	PUNCT
asfbr-1916	159	25	p	p	X
asfbr-1916	159	26	<	<	X
asfbr-1916	159	27	.05	.05	NUM
asfbr-1916	159	28	*	*	NOUN
asfbr-1916	159	29	*	*	NOUN
asfbr-1916	159	30	)	)	PUNCT
asfbr-1916	159	31	,	,	PUNCT
asfbr-1916	159	32	hence	hence	ADV
asfbr-1916	159	33	,	,	PUNCT
asfbr-1916	159	34	hypothesis	hypothesis	NOUN
asfbr-1916	159	35	h1	h1	NOUN
asfbr-1916	159	36	is	be	AUX
asfbr-1916	159	37	supported	support	VERB
asfbr-1916	159	38	.	.	PUNCT
asfbr-1916	160	1	this	this	DET
asfbr-1916	160	2	finding	finding	NOUN
asfbr-1916	160	3	is	be	AUX
asfbr-1916	160	4	in	in	ADP
asfbr-1916	160	5	line	line	NOUN
asfbr-1916	160	6	with	with	ADP
asfbr-1916	160	7	the	the	DET
asfbr-1916	160	8	studies	study	NOUN
asfbr-1916	160	9	of	of	ADP
asfbr-1916	160	10	ayo	ayo	PROPN
asfbr-1916	160	11	et	et	PROPN
asfbr-1916	160	12	al	al	PROPN
asfbr-1916	160	13	.	.	PUNCT
asfbr-1916	161	1	(	(	PUNCT
asfbr-1916	161	2	2016	2016	NUM
asfbr-1916	161	3	)	)	PUNCT
asfbr-1916	161	4	,	,	PUNCT
asfbr-1916	161	5	hammoud	hammoud	PROPN
asfbr-1916	161	6	et	et	PROPN
asfbr-1916	161	7	al	al	PROPN
asfbr-1916	161	8	.	.	PROPN
asfbr-1916	162	1	(	(	PUNCT
asfbr-1916	162	2	2018	2018	NUM
asfbr-1916	162	3	)	)	PUNCT
asfbr-1916	162	4	,	,	PUNCT
asfbr-1916	162	5	hussien	hussien	PROPN
asfbr-1916	162	6	and	and	CCONJ
asfbr-1916	162	7	abd	abd	PROPN
asfbr-1916	162	8	el	el	PROPN
asfbr-1916	162	9	aziz	aziz	PROPN
asfbr-1916	162	10	(	(	PUNCT
asfbr-1916	162	11	2013	2013	NUM
asfbr-1916	162	12	)	)	PUNCT
asfbr-1916	162	13	,	,	PUNCT
asfbr-1916	162	14	raza	raza	PROPN
asfbr-1916	162	15	et	et	PROPN
asfbr-1916	162	16	al	al	PROPN
asfbr-1916	162	17	.	.	PROPN
asfbr-1916	163	1	(	(	PUNCT
asfbr-1916	163	2	2020	2020	NUM
asfbr-1916	163	3	)	)	PUNCT
asfbr-1916	163	4	,	,	PUNCT
asfbr-1916	163	5	as	as	ADV
asfbr-1916	163	6	well	well	ADV
asfbr-1916	163	7	as	as	ADP
asfbr-1916	163	8	ul	ul	INTJ
asfbr-1916	163	9	haq	haq	PROPN
asfbr-1916	163	10	and	and	CCONJ
asfbr-1916	163	11	awan	awan	PROPN
asfbr-1916	163	12	(	(	PUNCT
asfbr-1916	163	13	2020	2020	NUM
asfbr-1916	163	14	)	)	PUNCT
asfbr-1916	163	15	.	.	PUNCT
asfbr-1916	164	1	this	this	DET
asfbr-1916	164	2	outcome	outcome	NOUN
asfbr-1916	164	3	indicates	indicate	VERB
asfbr-1916	164	4	that	that	SCONJ
asfbr-1916	164	5	by	by	ADP
asfbr-1916	164	6	maintaining	maintain	VERB
asfbr-1916	164	7	the	the	DET
asfbr-1916	164	8	reliability	reliability	NOUN
asfbr-1916	164	9	,	,	PUNCT
asfbr-1916	164	10	e	e	NOUN
asfbr-1916	164	11	-	-	ADJ
asfbr-1916	164	12	banking	banking	ADJ
asfbr-1916	164	13	services	service	NOUN
asfbr-1916	164	14	offered	offer	VERB
asfbr-1916	164	15	by	by	ADP
asfbr-1916	164	16	the	the	DET
asfbr-1916	164	17	banking	banking	NOUN
asfbr-1916	164	18	institutions	institution	NOUN
asfbr-1916	164	19	can	can	AUX
asfbr-1916	164	20	elevate	elevate	VERB
asfbr-1916	164	21	the	the	DET
asfbr-1916	164	22	satisfaction	satisfaction	NOUN
asfbr-1916	164	23	level	level	NOUN
asfbr-1916	164	24	of	of	ADP
asfbr-1916	164	25	customers	customer	NOUN
asfbr-1916	164	26	as	as	ADP
asfbr-1916	164	27	the	the	DET
asfbr-1916	164	28	most	most	ADV
asfbr-1916	164	29	accurate	accurate	ADJ
asfbr-1916	164	30	and	and	CCONJ
asfbr-1916	164	31	reliable	reliable	ADJ
asfbr-1916	164	32	is	be	AUX
asfbr-1916	164	33	the	the	DET
asfbr-1916	164	34	information	information	NOUN
asfbr-1916	164	35	,	,	PUNCT
asfbr-1916	164	36	the	the	DET
asfbr-1916	164	37	greater	great	ADJ
asfbr-1916	164	38	are	be	AUX
asfbr-1916	164	39	the	the	DET
asfbr-1916	164	40	clients	client	NOUN
asfbr-1916	164	41	satisfied	satisfied	ADJ
asfbr-1916	164	42	with	with	ADP
asfbr-1916	164	43	the	the	DET
asfbr-1916	164	44	e	e	NOUN
asfbr-1916	164	45	-	-	ADJ
asfbr-1916	164	46	banking	banking	ADJ
asfbr-1916	164	47	service	service	NOUN
asfbr-1916	164	48	.	.	PUNCT
asfbr-1916	165	1	further	far	ADV
asfbr-1916	165	2	,	,	PUNCT
asfbr-1916	165	3	hypothesis	hypothesis	NOUN
asfbr-1916	165	4	h2	h2	NOUN
asfbr-1916	165	5	was	be	AUX
asfbr-1916	165	6	also	also	ADV
asfbr-1916	165	7	supported	support	VERB
asfbr-1916	165	8	as	as	ADP
asfbr-1916	165	9	security	security	NOUN
asfbr-1916	165	10	of	of	ADP
asfbr-1916	165	11	e	e	NOUN
asfbr-1916	165	12	-	-	ADJ
asfbr-1916	165	13	banking	banking	ADJ
asfbr-1916	165	14	services	service	NOUN
asfbr-1916	165	15	does	do	AUX
asfbr-1916	165	16	significantly	significantly	ADV
asfbr-1916	165	17	influence	influence	VERB
asfbr-1916	165	18	(	(	PUNCT
asfbr-1916	165	19	β	β	X
asfbr-1916	165	20	=	=	SYM
asfbr-1916	165	21	0.288	0.288	NUM
asfbr-1916	165	22	,	,	PUNCT
asfbr-1916	165	23	p	p	X
asfbr-1916	165	24	<	<	X
asfbr-1916	165	25	.05	.05	NUM
asfbr-1916	165	26	*	*	PUNCT
asfbr-1916	165	27	*	*	PUNCT
asfbr-1916	165	28	*	*	NOUN
asfbr-1916	165	29	)	)	PUNCT
asfbr-1916	165	30	customer	customer	NOUN
asfbr-1916	165	31	satisfaction	satisfaction	NOUN
asfbr-1916	165	32	.	.	PUNCT
asfbr-1916	166	1	therefore	therefore	ADV
asfbr-1916	166	2	,	,	PUNCT
asfbr-1916	166	3	hypothesis	hypothesis	NOUN
asfbr-1916	166	4	h2	h2	NOUN
asfbr-1916	166	5	is	be	AUX
asfbr-1916	166	6	supported	support	VERB
asfbr-1916	166	7	as	as	SCONJ
asfbr-1916	166	8	it	it	PRON
asfbr-1916	166	9	is	be	AUX
asfbr-1916	166	10	in	in	ADP
asfbr-1916	166	11	tandem	tandem	NOUN
asfbr-1916	166	12	with	with	ADP
asfbr-1916	166	13	previous	previous	ADJ
asfbr-1916	166	14	studies	study	NOUN
asfbr-1916	166	15	such	such	ADJ
asfbr-1916	166	16	as	as	ADP
asfbr-1916	166	17	belás	belás	X
asfbr-1916	166	18	et	et	PROPN
asfbr-1916	166	19	al	al	PROPN
asfbr-1916	166	20	.	.	PUNCT
asfbr-1916	167	1	(	(	PUNCT
asfbr-1916	167	2	2016	2016	NUM
asfbr-1916	167	3	)	)	PUNCT
asfbr-1916	167	4	,	,	PUNCT
asfbr-1916	167	5	chen	chen	PROPN
asfbr-1916	167	6	et	et	PROPN
asfbr-1916	167	7	al	al	PROPN
asfbr-1916	167	8	.	.	PROPN
asfbr-1916	168	1	(	(	PUNCT
asfbr-1916	168	2	2012	2012	NUM
asfbr-1916	168	3	)	)	PUNCT
asfbr-1916	168	4	,	,	PUNCT
asfbr-1916	168	5	farzianpour	farzianpour	NOUN
asfbr-1916	168	6	et	et	PROPN
asfbr-1916	168	7	al	al	PROPN
asfbr-1916	168	8	.	.	PUNCT
asfbr-1916	169	1	(	(	PUNCT
asfbr-1916	169	2	2014	2014	NUM
asfbr-1916	169	3	)	)	PUNCT
asfbr-1916	169	4	,	,	PUNCT
asfbr-1916	169	5	novickytė	novickytė	NOUN
asfbr-1916	169	6	and	and	CCONJ
asfbr-1916	169	7	pedroja	pedroja	PROPN
asfbr-1916	169	8	(	(	PUNCT
asfbr-1916	169	9	2015	2015	NUM
asfbr-1916	169	10	)	)	PUNCT
asfbr-1916	169	11	,	,	PUNCT
asfbr-1916	169	12	as	as	ADV
asfbr-1916	169	13	well	well	ADV
asfbr-1916	169	14	as	as	ADP
asfbr-1916	169	15	ul	ul	INTJ
asfbr-1916	169	16	haq	haq	PROPN
asfbr-1916	169	17	and	and	CCONJ
asfbr-1916	169	18	awan	awan	PROPN
asfbr-1916	169	19	(	(	PUNCT
asfbr-1916	169	20	2020	2020	NUM
asfbr-1916	169	21	)	)	PUNCT
asfbr-1916	169	22	.	.	PUNCT
asfbr-1916	170	1	this	this	DET
asfbr-1916	170	2	finding	finding	NOUN
asfbr-1916	170	3	illustrates	illustrate	VERB
asfbr-1916	170	4	that	that	SCONJ
asfbr-1916	170	5	as	as	SCONJ
asfbr-1916	170	6	more	more	ADJ
asfbr-1916	170	7	e	e	NOUN
asfbr-1916	170	8	-	-	ADJ
asfbr-1916	170	9	banking	banking	ADJ
asfbr-1916	170	10	system	system	NOUN
asfbr-1916	170	11	is	be	AUX
asfbr-1916	170	12	equipped	equip	VERB
asfbr-1916	170	13	with	with	ADP
asfbr-1916	170	14	latest	late	ADJ
asfbr-1916	170	15	security	security	NOUN
asfbr-1916	170	16	of	of	ADP
asfbr-1916	170	17	electronic	electronic	ADJ
asfbr-1916	170	18	networks	network	NOUN
asfbr-1916	170	19	,	,	PUNCT
asfbr-1916	170	20	customers	customer	NOUN
asfbr-1916	170	21	’	'	PUNCT
asfbr-1916	170	22	secure	secure	VERB
asfbr-1916	170	23	access	access	NOUN
asfbr-1916	170	24	to	to	ADP
asfbr-1916	170	25	e	e	NOUN
asfbr-1916	170	26	-	-	NOUN
asfbr-1916	170	27	banking	banking	ADJ
asfbr-1916	170	28	services	service	NOUN
asfbr-1916	170	29	will	will	AUX
asfbr-1916	170	30	be	be	AUX
asfbr-1916	170	31	enhanced	enhance	VERB
asfbr-1916	170	32	,	,	PUNCT
asfbr-1916	170	33	and	and	CCONJ
asfbr-1916	170	34	the	the	DET
asfbr-1916	170	35	use	use	NOUN
asfbr-1916	170	36	of	of	ADP
asfbr-1916	170	37	these	these	DET
asfbr-1916	170	38	services	service	NOUN
asfbr-1916	170	39	will	will	AUX
asfbr-1916	170	40	be	be	AUX
asfbr-1916	170	41	expanded	expand	VERB
asfbr-1916	170	42	.	.	PUNCT
asfbr-1916	171	1	confidentiality	confidentiality	NOUN
asfbr-1916	171	2	of	of	ADP
asfbr-1916	171	3	data	datum	NOUN
asfbr-1916	171	4	and	and	CCONJ
asfbr-1916	171	5	private	private	ADJ
asfbr-1916	171	6	information	information	NOUN
asfbr-1916	171	7	is	be	AUX
asfbr-1916	171	8	necessary	necessary	ADJ
asfbr-1916	171	9	to	to	PART
asfbr-1916	171	10	protect	protect	VERB
asfbr-1916	171	11	them	they	PRON
asfbr-1916	171	12	against	against	ADP
asfbr-1916	171	13	abuse	abuse	NOUN
asfbr-1916	171	14	.	.	PUNCT
asfbr-1916	172	1	using	use	VERB
asfbr-1916	172	2	important	important	ADJ
asfbr-1916	172	3	security	security	NOUN
asfbr-1916	172	4	practices	practice	NOUN
asfbr-1916	172	5	to	to	PART
asfbr-1916	172	6	protect	protect	VERB
asfbr-1916	172	7	critical	critical	ADJ
asfbr-1916	172	8	customer	customer	NOUN
asfbr-1916	172	9	information	information	NOUN
asfbr-1916	172	10	using	use	VERB
asfbr-1916	172	11	modern	modern	ADJ
asfbr-1916	172	12	banking	banking	NOUN
asfbr-1916	172	13	methods	method	NOUN
asfbr-1916	172	14	can	can	AUX
asfbr-1916	172	15	help	help	VERB
asfbr-1916	172	16	the	the	DET
asfbr-1916	172	17	bank	bank	NOUN
asfbr-1916	172	18	maintain	maintain	VERB
asfbr-1916	172	19	confidential	confidential	ADJ
asfbr-1916	172	20	customer	customer	NOUN
asfbr-1916	172	21	information	information	NOUN
asfbr-1916	172	22	.	.	PUNCT
asfbr-1916	173	1	thus	thus	ADV
asfbr-1916	173	2	,	,	PUNCT
asfbr-1916	173	3	the	the	DET
asfbr-1916	173	4	outcome	outcome	NOUN
asfbr-1916	173	5	proves	prove	VERB
asfbr-1916	173	6	that	that	SCONJ
asfbr-1916	173	7	security	security	NOUN
asfbr-1916	173	8	difficulties	difficulty	NOUN
asfbr-1916	173	9	presently	presently	ADV
asfbr-1916	173	10	impacting	impact	VERB
asfbr-1916	173	11	customer	customer	NOUN
asfbr-1916	173	12	satisfaction	satisfaction	NOUN
asfbr-1916	173	13	have	have	AUX
asfbr-1916	173	14	turned	turn	VERB
asfbr-1916	173	15	to	to	ADP
asfbr-1916	173	16	a	a	DET
asfbr-1916	173	17	critical	critical	ADJ
asfbr-1916	173	18	part	part	NOUN
asfbr-1916	173	19	of	of	ADP
asfbr-1916	173	20	bank	bank	NOUN
asfbr-1916	173	21	activities	activity	NOUN
asfbr-1916	173	22	.	.	PUNCT
asfbr-1916	174	1	finally	finally	ADV
asfbr-1916	174	2	,	,	PUNCT
asfbr-1916	174	3	the	the	DET
asfbr-1916	174	4	association	association	NOUN
asfbr-1916	174	5	of	of	ADP
asfbr-1916	174	6	user	user	NOUN
asfbr-1916	174	7	’s	’s	PART
asfbr-1916	174	8	perceived	perceive	VERB
asfbr-1916	174	9	usefulness	usefulness	NOUN
asfbr-1916	174	10	and	and	CCONJ
asfbr-1916	174	11	customer	customer	NOUN
asfbr-1916	174	12	satisfaction	satisfaction	NOUN
asfbr-1916	174	13	shown	show	VERB
asfbr-1916	174	14	by	by	ADP
asfbr-1916	174	15	hypothesis	hypothesis	NOUN
asfbr-1916	174	16	h3	h3	NOUN
asfbr-1916	174	17	is	be	AUX
asfbr-1916	174	18	positive	positive	ADJ
asfbr-1916	174	19	and	and	CCONJ
asfbr-1916	174	20	significant	significant	ADJ
asfbr-1916	174	21	(	(	PUNCT
asfbr-1916	174	22	β	β	X
asfbr-1916	174	23	=	=	PUNCT
asfbr-1916	174	24	0.289	0.289	NUM
asfbr-1916	174	25	,	,	PUNCT
asfbr-1916	174	26	p	p	X
asfbr-1916	174	27	<	<	X
asfbr-1916	174	28	.05	.05	NUM
asfbr-1916	174	29	*	*	PUNCT
asfbr-1916	174	30	*	*	PUNCT
asfbr-1916	174	31	*	*	PUNCT
asfbr-1916	174	32	)	)	PUNCT
asfbr-1916	174	33	,	,	PUNCT
asfbr-1916	174	34	and	and	CCONJ
asfbr-1916	174	35	so	so	ADV
asfbr-1916	174	36	the	the	DET
asfbr-1916	174	37	hypothesis	hypothesis	NOUN
asfbr-1916	174	38	is	be	AUX
asfbr-1916	174	39	supported	support	VERB
asfbr-1916	174	40	.	.	PUNCT
asfbr-1916	175	1	this	this	DET
asfbr-1916	175	2	finding	finding	NOUN
asfbr-1916	175	3	is	be	AUX
asfbr-1916	175	4	aligned	align	VERB
asfbr-1916	175	5	with	with	ADP
asfbr-1916	175	6	abu	abu	PROPN
asfbr-1916	175	7	-	-	PUNCT
asfbr-1916	175	8	assi	assi	PROPN
asfbr-1916	175	9	et	et	PROPN
asfbr-1916	175	10	al	al	PROPN
asfbr-1916	175	11	.	.	PROPN
asfbr-1916	175	12	’s	’s	PART
asfbr-1916	176	1	(	(	PUNCT
asfbr-1916	176	2	2014	2014	NUM
asfbr-1916	176	3	)	)	PUNCT
asfbr-1916	176	4	,	,	PUNCT
asfbr-1916	176	5	andrea	andrea	PROPN
asfbr-1916	176	6	et	et	PROPN
asfbr-1916	176	7	al	al	PROPN
asfbr-1916	176	8	.	.	PROPN
asfbr-1916	176	9	’s	’s	PART
asfbr-1916	176	10	(	(	PUNCT
asfbr-1916	176	11	2021	2021	NUM
asfbr-1916	176	12	)	)	PUNCT
asfbr-1916	177	1	,	,	PUNCT
asfbr-1916	177	2	liébana	liébana	PROPN
asfbr-1916	177	3	-	-	PUNCT
asfbr-1916	177	4	cabanillas	cabanilla	NOUN
asfbr-1916	177	5	et	et	PROPN
asfbr-1916	177	6	al	al	PROPN
asfbr-1916	177	7	.	.	PROPN
asfbr-1916	177	8	’s	’s	PART
asfbr-1916	177	9	(	(	PUNCT
asfbr-1916	177	10	2013	2013	NUM
asfbr-1916	177	11	)	)	PUNCT
asfbr-1916	177	12	,	,	PUNCT
asfbr-1916	177	13	rawwash	rawwash	VERB
asfbr-1916	177	14	et	et	PROPN
asfbr-1916	177	15	al	al	PROPN
asfbr-1916	177	16	.	.	PROPN
asfbr-1916	177	17	’s	’s	PART
asfbr-1916	177	18	(	(	PUNCT
asfbr-1916	177	19	2020	2020	NUM
asfbr-1916	177	20	)	)	PUNCT
asfbr-1916	177	21	and	and	CCONJ
asfbr-1916	177	22	ugwuanyi	ugwuanyi	PROPN
asfbr-1916	177	23	et	et	PROPN
asfbr-1916	177	24	al	al	PROPN
asfbr-1916	177	25	.	.	PROPN
asfbr-1916	177	26	’s	’s	PART
asfbr-1916	177	27	(	(	PUNCT
asfbr-1916	177	28	2021	2021	NUM
asfbr-1916	177	29	)	)	PUNCT
asfbr-1916	177	30	hamzah	hamzah	PROPN
asfbr-1916	177	31	et	et	PROPN
asfbr-1916	177	32	al	al	PROPN
asfbr-1916	177	33	.	.	PROPN
asfbr-1916	177	34	,	,	PUNCT
asfbr-1916	177	35	asian	asian	PROPN
asfbr-1916	177	36	finance	finance	PROPN
asfbr-1916	177	37	&	&	CCONJ
asfbr-1916	177	38	banking	banking	PROPN
asfbr-1916	177	39	review	review	NOUN
asfbr-1916	177	40	7(1	7(1	NUM
asfbr-1916	177	41	)	)	PUNCT
asfbr-1916	177	42	(	(	PUNCT
asfbr-1916	177	43	2023	2023	NUM
asfbr-1916	177	44	)	)	PUNCT
asfbr-1916	177	45	,	,	PUNCT
asfbr-1916	177	46	1	1	NUM
asfbr-1916	177	47	-	-	SYM
asfbr-1916	177	48	9	9	NUM
asfbr-1916	177	49	7	7	NUM
asfbr-1916	177	50	study	study	NOUN
asfbr-1916	177	51	.	.	PUNCT
asfbr-1916	178	1	this	this	DET
asfbr-1916	178	2	finding	finding	NOUN
asfbr-1916	178	3	proves	prove	VERB
asfbr-1916	178	4	that	that	SCONJ
asfbr-1916	178	5	if	if	SCONJ
asfbr-1916	178	6	the	the	DET
asfbr-1916	178	7	e	e	NOUN
asfbr-1916	178	8	-	-	ADJ
asfbr-1916	178	9	banking	banking	ADJ
asfbr-1916	178	10	system	system	NOUN
asfbr-1916	178	11	is	be	AUX
asfbr-1916	178	12	useful	useful	ADJ
asfbr-1916	178	13	and	and	CCONJ
asfbr-1916	178	14	easy	easy	ADJ
asfbr-1916	178	15	to	to	PART
asfbr-1916	178	16	use	use	VERB
asfbr-1916	178	17	,	,	PUNCT
asfbr-1916	178	18	and	and	CCONJ
asfbr-1916	178	19	is	be	AUX
asfbr-1916	178	20	able	able	ADJ
asfbr-1916	178	21	to	to	PART
asfbr-1916	178	22	help	help	VERB
asfbr-1916	178	23	customers	customer	NOUN
asfbr-1916	178	24	in	in	ADP
asfbr-1916	178	25	achieving	achieve	VERB
asfbr-1916	178	26	their	their	PRON
asfbr-1916	178	27	banking	banking	NOUN
asfbr-1916	178	28	objectives	objective	NOUN
asfbr-1916	178	29	,	,	PUNCT
asfbr-1916	178	30	customers	customer	NOUN
asfbr-1916	178	31	’	'	PUNCT
asfbr-1916	178	32	satisfaction	satisfaction	NOUN
asfbr-1916	178	33	of	of	ADP
asfbr-1916	178	34	the	the	DET
asfbr-1916	178	35	bank	bank	NOUN
asfbr-1916	178	36	’	'	PUNCT
asfbr-1916	178	37	service	service	NOUN
asfbr-1916	178	38	would	would	AUX
asfbr-1916	178	39	be	be	AUX
asfbr-1916	178	40	invariably	invariably	ADV
asfbr-1916	178	41	enhanced	enhance	VERB
asfbr-1916	178	42	.	.	PUNCT
asfbr-1916	179	1	a	a	DET
asfbr-1916	179	2	friendly	friendly	ADJ
asfbr-1916	179	3	user	user	NOUN
asfbr-1916	179	4	interface	interface	NOUN
asfbr-1916	179	5	would	would	AUX
asfbr-1916	179	6	help	help	VERB
asfbr-1916	179	7	the	the	DET
asfbr-1916	179	8	bank	bank	NOUN
asfbr-1916	179	9	achieve	achieve	VERB
asfbr-1916	179	10	this	this	PRON
asfbr-1916	179	11	because	because	SCONJ
asfbr-1916	179	12	customers	customer	NOUN
asfbr-1916	179	13	would	would	AUX
asfbr-1916	179	14	prefer	prefer	VERB
asfbr-1916	179	15	a	a	DET
asfbr-1916	179	16	system	system	NOUN
asfbr-1916	179	17	that	that	PRON
asfbr-1916	179	18	is	be	AUX
asfbr-1916	179	19	less	less	ADV
asfbr-1916	179	20	complex	complex	ADJ
asfbr-1916	179	21	and	and	CCONJ
asfbr-1916	179	22	would	would	AUX
asfbr-1916	179	23	not	not	PART
asfbr-1916	179	24	overload	overload	VERB
asfbr-1916	179	25	them	they	PRON
asfbr-1916	179	26	with	with	ADP
asfbr-1916	179	27	information	information	NOUN
asfbr-1916	179	28	that	that	PRON
asfbr-1916	179	29	would	would	AUX
asfbr-1916	179	30	stretch	stretch	VERB
asfbr-1916	179	31	their	their	PRON
asfbr-1916	179	32	cognitive	cognitive	ADJ
asfbr-1916	179	33	state	state	NOUN
asfbr-1916	179	34	and	and	CCONJ
asfbr-1916	179	35	disrupt	disrupt	VERB
asfbr-1916	179	36	their	their	PRON
asfbr-1916	179	37	affective	affective	ADJ
asfbr-1916	179	38	state	state	NOUN
asfbr-1916	179	39	.	.	PUNCT
asfbr-1916	180	1	conclusions	conclusion	NOUN
asfbr-1916	180	2	this	this	DET
asfbr-1916	180	3	study	study	NOUN
asfbr-1916	180	4	contributes	contribute	VERB
asfbr-1916	180	5	to	to	ADP
asfbr-1916	180	6	the	the	DET
asfbr-1916	180	7	growing	grow	VERB
asfbr-1916	180	8	empirical	empirical	ADJ
asfbr-1916	180	9	literature	literature	NOUN
asfbr-1916	180	10	on	on	ADP
asfbr-1916	180	11	the	the	DET
asfbr-1916	180	12	determinants	determinant	NOUN
asfbr-1916	180	13	of	of	ADP
asfbr-1916	180	14	consumer	consumer	NOUN
asfbr-1916	180	15	satisfaction	satisfaction	NOUN
asfbr-1916	180	16	in	in	ADP
asfbr-1916	180	17	the	the	DET
asfbr-1916	180	18	context	context	NOUN
asfbr-1916	180	19	of	of	ADP
asfbr-1916	180	20	ebanking	ebanking	ADJ
asfbr-1916	180	21	services	service	NOUN
asfbr-1916	180	22	by	by	ADP
asfbr-1916	180	23	exploring	explore	VERB
asfbr-1916	180	24	the	the	DET
asfbr-1916	180	25	influence	influence	NOUN
asfbr-1916	180	26	of	of	ADP
asfbr-1916	180	27	reliability	reliability	NOUN
asfbr-1916	180	28	,	,	PUNCT
asfbr-1916	180	29	security	security	NOUN
asfbr-1916	180	30	,	,	PUNCT
asfbr-1916	180	31	and	and	CCONJ
asfbr-1916	180	32	perceived	perceive	VERB
asfbr-1916	180	33	usefulness	usefulness	NOUN
asfbr-1916	180	34	on	on	ADP
asfbr-1916	180	35	consumer	consumer	NOUN
asfbr-1916	180	36	satisfaction	satisfaction	NOUN
asfbr-1916	180	37	.	.	PUNCT
asfbr-1916	181	1	using	use	VERB
asfbr-1916	181	2	an	an	DET
asfbr-1916	181	3	empirical	empirical	ADJ
asfbr-1916	181	4	data	datum	NOUN
asfbr-1916	181	5	among	among	ADP
asfbr-1916	181	6	university	university	NOUN
asfbr-1916	181	7	students	student	NOUN
asfbr-1916	181	8	in	in	ADP
asfbr-1916	181	9	malaysia	malaysia	PROPN
asfbr-1916	181	10	,	,	PUNCT
asfbr-1916	181	11	it	it	PRON
asfbr-1916	181	12	can	can	AUX
asfbr-1916	181	13	be	be	AUX
asfbr-1916	181	14	concluded	conclude	VERB
asfbr-1916	181	15	that	that	SCONJ
asfbr-1916	181	16	the	the	DET
asfbr-1916	181	17	student	student	NOUN
asfbr-1916	181	18	segment	segment	NOUN
asfbr-1916	181	19	of	of	ADP
asfbr-1916	181	20	banking	banking	NOUN
asfbr-1916	181	21	institutions	institution	NOUN
asfbr-1916	181	22	’	'	PUNCT
asfbr-1916	181	23	customers	customer	NOUN
asfbr-1916	181	24	in	in	ADP
asfbr-1916	181	25	malaysia	malaysia	PROPN
asfbr-1916	181	26	build	build	VERB
asfbr-1916	181	27	their	their	PRON
asfbr-1916	181	28	satisfaction	satisfaction	NOUN
asfbr-1916	181	29	based	base	VERB
asfbr-1916	181	30	on	on	ADP
asfbr-1916	181	31	the	the	DET
asfbr-1916	181	32	reliability	reliability	NOUN
asfbr-1916	181	33	,	,	PUNCT
asfbr-1916	181	34	security	security	NOUN
asfbr-1916	181	35	,	,	PUNCT
asfbr-1916	181	36	and	and	CCONJ
asfbr-1916	181	37	dan	dan	PROPN
asfbr-1916	181	38	perceived	perceive	VERB
asfbr-1916	181	39	usefulness	usefulness	NOUN
asfbr-1916	181	40	.	.	PUNCT
asfbr-1916	182	1	these	these	DET
asfbr-1916	182	2	quality	quality	NOUN
asfbr-1916	182	3	plays	play	VERB
asfbr-1916	182	4	a	a	DET
asfbr-1916	182	5	very	very	ADV
asfbr-1916	182	6	important	important	ADJ
asfbr-1916	182	7	role	role	NOUN
asfbr-1916	182	8	,	,	PUNCT
asfbr-1916	182	9	as	as	SCONJ
asfbr-1916	182	10	it	it	PRON
asfbr-1916	182	11	has	have	AUX
asfbr-1916	182	12	become	become	VERB
asfbr-1916	182	13	the	the	DET
asfbr-1916	182	14	basis	basis	NOUN
asfbr-1916	182	15	for	for	ADP
asfbr-1916	182	16	how	how	SCONJ
asfbr-1916	182	17	customers	customer	NOUN
asfbr-1916	182	18	view	view	VERB
asfbr-1916	182	19	e	e	NOUN
asfbr-1916	182	20	-	-	NOUN
asfbr-1916	182	21	banking	banking	NOUN
asfbr-1916	182	22	and	and	CCONJ
asfbr-1916	182	23	,	,	PUNCT
asfbr-1916	182	24	eventually	eventually	ADV
asfbr-1916	182	25	,	,	PUNCT
asfbr-1916	182	26	how	how	SCONJ
asfbr-1916	182	27	it	it	PRON
asfbr-1916	182	28	interacts	interact	VERB
asfbr-1916	182	29	and	and	CCONJ
asfbr-1916	182	30	behaves	behave	VERB
asfbr-1916	182	31	with	with	ADP
asfbr-1916	182	32	online	online	ADJ
asfbr-1916	182	33	services	service	NOUN
asfbr-1916	182	34	.	.	PUNCT
asfbr-1916	183	1	the	the	DET
asfbr-1916	183	2	determinants	determinant	NOUN
asfbr-1916	183	3	of	of	ADP
asfbr-1916	183	4	e	e	NOUN
asfbr-1916	183	5	-	-	ADJ
asfbr-1916	183	6	banking	banking	ADJ
asfbr-1916	183	7	service	service	NOUN
asfbr-1916	183	8	quality	quality	NOUN
asfbr-1916	183	9	associated	associate	VERB
asfbr-1916	183	10	with	with	ADP
asfbr-1916	183	11	the	the	DET
asfbr-1916	183	12	banking	banking	NOUN
asfbr-1916	183	13	industry	industry	NOUN
asfbr-1916	183	14	is	be	AUX
asfbr-1916	183	15	found	find	VERB
asfbr-1916	183	16	to	to	PART
asfbr-1916	183	17	be	be	AUX
asfbr-1916	183	18	essential	essential	ADJ
asfbr-1916	183	19	hence	hence	ADV
asfbr-1916	183	20	,	,	PUNCT
asfbr-1916	183	21	banks	bank	NOUN
asfbr-1916	183	22	should	should	AUX
asfbr-1916	183	23	take	take	VERB
asfbr-1916	183	24	care	care	NOUN
asfbr-1916	183	25	of	of	ADP
asfbr-1916	183	26	all	all	DET
asfbr-1916	183	27	three	three	NUM
asfbr-1916	183	28	factor	factor	NOUN
asfbr-1916	183	29	in	in	ADP
asfbr-1916	183	30	regard	regard	NOUN
asfbr-1916	183	31	to	to	PART
asfbr-1916	183	32	sustain	sustain	VERB
asfbr-1916	183	33	an	an	DET
asfbr-1916	183	34	elevated	elevated	ADJ
asfbr-1916	183	35	level	level	NOUN
asfbr-1916	183	36	of	of	ADP
asfbr-1916	183	37	customer	customer	NOUN
asfbr-1916	183	38	satisfaction	satisfaction	NOUN
asfbr-1916	183	39	.	.	PUNCT
asfbr-1916	184	1	this	this	PRON
asfbr-1916	184	2	shows	show	VERB
asfbr-1916	184	3	that	that	SCONJ
asfbr-1916	184	4	customers	customer	NOUN
asfbr-1916	184	5	are	be	AUX
asfbr-1916	184	6	more	more	ADV
asfbr-1916	184	7	attracted	attract	VERB
asfbr-1916	184	8	to	to	ADP
asfbr-1916	184	9	banks	bank	NOUN
asfbr-1916	184	10	that	that	PRON
asfbr-1916	184	11	allow	allow	VERB
asfbr-1916	184	12	faster	fast	ADJ
asfbr-1916	184	13	transactions	transaction	NOUN
asfbr-1916	184	14	via	via	ADP
asfbr-1916	184	15	online	online	ADJ
asfbr-1916	184	16	portals	portal	NOUN
asfbr-1916	184	17	,	,	PUNCT
asfbr-1916	184	18	which	which	PRON
asfbr-1916	184	19	are	be	AUX
asfbr-1916	184	20	easily	easily	ADV
asfbr-1916	184	21	available	available	ADJ
asfbr-1916	184	22	.	.	PUNCT
asfbr-1916	185	1	in	in	ADP
asfbr-1916	185	2	addition	addition	NOUN
asfbr-1916	185	3	,	,	PUNCT
asfbr-1916	185	4	customers	customer	NOUN
asfbr-1916	185	5	lay	lie	VERB
asfbr-1916	185	6	more	more	ADJ
asfbr-1916	185	7	stress	stress	NOUN
asfbr-1916	185	8	in	in	ADP
asfbr-1916	185	9	the	the	DET
asfbr-1916	185	10	effectiveness	effectiveness	NOUN
asfbr-1916	185	11	of	of	ADP
asfbr-1916	185	12	the	the	DET
asfbr-1916	185	13	website	website	NOUN
asfbr-1916	185	14	security	security	NOUN
asfbr-1916	185	15	system	system	NOUN
asfbr-1916	185	16	as	as	SCONJ
asfbr-1916	185	17	they	they	PRON
asfbr-1916	185	18	are	be	AUX
asfbr-1916	185	19	concerned	concern	VERB
asfbr-1916	185	20	with	with	ADP
asfbr-1916	185	21	the	the	DET
asfbr-1916	185	22	privacy	privacy	NOUN
asfbr-1916	185	23	of	of	ADP
asfbr-1916	185	24	their	their	PRON
asfbr-1916	185	25	personal	personal	ADJ
asfbr-1916	185	26	information	information	NOUN
asfbr-1916	185	27	and	and	CCONJ
asfbr-1916	185	28	the	the	DET
asfbr-1916	185	29	safety	safety	NOUN
asfbr-1916	185	30	of	of	ADP
asfbr-1916	185	31	their	their	PRON
asfbr-1916	185	32	financial	financial	ADJ
asfbr-1916	185	33	transactions	transaction	NOUN
asfbr-1916	185	34	while	while	SCONJ
asfbr-1916	185	35	using	use	VERB
asfbr-1916	185	36	ebanking	ebanking	NOUN
asfbr-1916	185	37	.	.	PUNCT
asfbr-1916	186	1	therefore	therefore	ADV
asfbr-1916	186	2	,	,	PUNCT
asfbr-1916	186	3	banks	bank	NOUN
asfbr-1916	186	4	should	should	AUX
asfbr-1916	186	5	ensure	ensure	VERB
asfbr-1916	186	6	that	that	SCONJ
asfbr-1916	186	7	customer	customer	NOUN
asfbr-1916	186	8	’s	’s	PART
asfbr-1916	186	9	personal	personal	ADJ
asfbr-1916	186	10	information	information	NOUN
asfbr-1916	186	11	shared	share	VERB
asfbr-1916	186	12	over	over	ADP
asfbr-1916	186	13	e	e	NOUN
asfbr-1916	186	14	-	-	ADJ
asfbr-1916	186	15	banking	banking	ADJ
asfbr-1916	186	16	platforms	platform	NOUN
asfbr-1916	186	17	is	be	AUX
asfbr-1916	186	18	not	not	PART
asfbr-1916	186	19	accessible	accessible	ADJ
asfbr-1916	186	20	to	to	ADP
asfbr-1916	186	21	any	any	DET
asfbr-1916	186	22	third	third	ADJ
asfbr-1916	186	23	party	party	NOUN
asfbr-1916	186	24	.	.	PUNCT
asfbr-1916	187	1	to	to	PART
asfbr-1916	187	2	enhance	enhance	VERB
asfbr-1916	187	3	the	the	DET
asfbr-1916	187	4	security	security	NOUN
asfbr-1916	187	5	of	of	ADP
asfbr-1916	187	6	the	the	DET
asfbr-1916	187	7	financial	financial	ADJ
asfbr-1916	187	8	transactions	transaction	NOUN
asfbr-1916	187	9	,	,	PUNCT
asfbr-1916	187	10	banks	bank	NOUN
asfbr-1916	187	11	should	should	AUX
asfbr-1916	187	12	provide	provide	VERB
asfbr-1916	187	13	secure	secure	ADJ
asfbr-1916	187	14	and	and	CCONJ
asfbr-1916	187	15	unique	unique	ADJ
asfbr-1916	187	16	personal	personal	ADJ
asfbr-1916	187	17	identification	identification	NOUN
asfbr-1916	187	18	numbers	number	NOUN
asfbr-1916	187	19	and	and	CCONJ
asfbr-1916	187	20	always	always	ADV
asfbr-1916	187	21	send	send	VERB
asfbr-1916	187	22	login	login	NOUN
asfbr-1916	187	23	and	and	CCONJ
asfbr-1916	187	24	transaction	transaction	NOUN
asfbr-1916	187	25	alerts	alert	NOUN
asfbr-1916	187	26	to	to	ADP
asfbr-1916	187	27	registered	register	VERB
asfbr-1916	187	28	contact	contact	NOUN
asfbr-1916	187	29	numbers	number	NOUN
asfbr-1916	187	30	and	and	CCONJ
asfbr-1916	187	31	e	e	NOUN
asfbr-1916	187	32	-	-	NOUN
asfbr-1916	187	33	mail	mail	NOUN
asfbr-1916	187	34	addresses	address	NOUN
asfbr-1916	187	35	.	.	PUNCT
asfbr-1916	188	1	banks	bank	NOUN
asfbr-1916	188	2	should	should	AUX
asfbr-1916	188	3	also	also	ADV
asfbr-1916	188	4	send	send	VERB
asfbr-1916	188	5	onetime	onetime	ADJ
asfbr-1916	188	6	usable	usable	ADJ
asfbr-1916	188	7	passwords	password	NOUN
asfbr-1916	188	8	to	to	ADP
asfbr-1916	188	9	customers	customer	NOUN
asfbr-1916	188	10	via	via	ADP
asfbr-1916	188	11	registered	register	VERB
asfbr-1916	188	12	phone	phone	NOUN
asfbr-1916	188	13	/	/	SYM
asfbr-1916	188	14	e	e	NOUN
asfbr-1916	188	15	-	-	NOUN
asfbr-1916	188	16	mail	mail	NOUN
asfbr-1916	188	17	to	to	PART
asfbr-1916	188	18	complete	complete	VERB
asfbr-1916	188	19	each	each	DET
asfbr-1916	188	20	transaction	transaction	NOUN
asfbr-1916	188	21	,	,	PUNCT
asfbr-1916	188	22	thus	thus	ADV
asfbr-1916	188	23	preventing	prevent	VERB
asfbr-1916	188	24	suspicious	suspicious	ADJ
asfbr-1916	188	25	transactions	transaction	NOUN
asfbr-1916	188	26	.	.	PUNCT
asfbr-1916	189	1	furthermore	furthermore	ADV
asfbr-1916	189	2	,	,	PUNCT
asfbr-1916	189	3	greater	great	ADJ
asfbr-1916	189	4	emphasis	emphasis	NOUN
asfbr-1916	189	5	should	should	AUX
asfbr-1916	189	6	be	be	AUX
asfbr-1916	189	7	placed	place	VERB
asfbr-1916	189	8	on	on	ADP
asfbr-1916	189	9	the	the	DET
asfbr-1916	189	10	physical	physical	ADJ
asfbr-1916	189	11	(	(	PUNCT
asfbr-1916	189	12	system	system	NOUN
asfbr-1916	189	13	,	,	PUNCT
asfbr-1916	189	14	functions	function	NOUN
asfbr-1916	189	15	and	and	CCONJ
asfbr-1916	189	16	interface	interface	NOUN
asfbr-1916	189	17	)	)	PUNCT
asfbr-1916	189	18	and	and	CCONJ
asfbr-1916	189	19	psychological	psychological	ADJ
asfbr-1916	189	20	attributes	attribute	NOUN
asfbr-1916	189	21	(	(	PUNCT
asfbr-1916	189	22	services	service	NOUN
asfbr-1916	189	23	,	,	PUNCT
asfbr-1916	189	24	information	information	NOUN
asfbr-1916	189	25	,	,	PUNCT
asfbr-1916	189	26	attitudes	attitude	NOUN
asfbr-1916	189	27	)	)	PUNCT
asfbr-1916	189	28	in	in	ADP
asfbr-1916	189	29	comprehending	comprehend	VERB
asfbr-1916	189	30	the	the	DET
asfbr-1916	189	31	changing	change	VERB
asfbr-1916	189	32	aspects	aspect	NOUN
asfbr-1916	189	33	of	of	ADP
asfbr-1916	189	34	virtual	virtual	ADJ
asfbr-1916	189	35	clients	client	NOUN
asfbr-1916	189	36	’	’	PART
asfbr-1916	189	37	behavior	behavior	NOUN
asfbr-1916	189	38	as	as	SCONJ
asfbr-1916	189	39	the	the	DET
asfbr-1916	189	40	finding	finding	NOUN
asfbr-1916	189	41	suggests	suggest	VERB
asfbr-1916	189	42	that	that	SCONJ
asfbr-1916	189	43	customers	customer	NOUN
asfbr-1916	189	44	perceived	perceive	VERB
asfbr-1916	189	45	the	the	DET
asfbr-1916	189	46	usefulness	usefulness	NOUN
asfbr-1916	189	47	of	of	ADP
asfbr-1916	189	48	the	the	DET
asfbr-1916	189	49	system	system	NOUN
asfbr-1916	189	50	in	in	SCONJ
asfbr-1916	189	51	continue	continue	VERB
asfbr-1916	189	52	their	their	PRON
asfbr-1916	189	53	usage	usage	NOUN
asfbr-1916	189	54	.	.	PUNCT
asfbr-1916	190	1	this	this	DET
asfbr-1916	190	2	result	result	NOUN
asfbr-1916	190	3	is	be	AUX
asfbr-1916	190	4	significant	significant	ADJ
asfbr-1916	190	5	for	for	ADP
asfbr-1916	190	6	the	the	DET
asfbr-1916	190	7	banking	banking	NOUN
asfbr-1916	190	8	institution	institution	NOUN
asfbr-1916	190	9	so	so	SCONJ
asfbr-1916	190	10	that	that	SCONJ
asfbr-1916	190	11	they	they	PRON
asfbr-1916	190	12	should	should	AUX
asfbr-1916	190	13	deliver	deliver	VERB
asfbr-1916	190	14	their	their	PRON
asfbr-1916	190	15	customers	customer	NOUN
asfbr-1916	190	16	an	an	DET
asfbr-1916	190	17	effective	effective	ADJ
asfbr-1916	190	18	website	website	NOUN
asfbr-1916	190	19	with	with	ADP
asfbr-1916	190	20	an	an	DET
asfbr-1916	190	21	appropriate	appropriate	ADJ
asfbr-1916	190	22	setting	setting	NOUN
asfbr-1916	190	23	and	and	CCONJ
asfbr-1916	190	24	upgraded	upgrade	VERB
asfbr-1916	190	25	technological	technological	ADJ
asfbr-1916	190	26	development	development	NOUN
asfbr-1916	190	27	in	in	ADP
asfbr-1916	190	28	order	order	NOUN
asfbr-1916	190	29	to	to	PART
asfbr-1916	190	30	deliver	deliver	VERB
asfbr-1916	190	31	first	first	ADJ
asfbr-1916	190	32	-	-	PUNCT
asfbr-1916	190	33	class	class	NOUN
asfbr-1916	190	34	condition	condition	NOUN
asfbr-1916	190	35	of	of	ADP
asfbr-1916	190	36	services	service	NOUN
asfbr-1916	190	37	.	.	PUNCT
asfbr-1916	191	1	today	today	NOUN
asfbr-1916	191	2	,	,	PUNCT
asfbr-1916	191	3	clients	client	NOUN
asfbr-1916	191	4	are	be	AUX
asfbr-1916	191	5	provided	provide	VERB
asfbr-1916	191	6	with	with	ADP
asfbr-1916	191	7	numerous	numerous	ADJ
asfbr-1916	191	8	different	different	ADJ
asfbr-1916	191	9	banking	banking	NOUN
asfbr-1916	191	10	portals	portal	NOUN
asfbr-1916	191	11	which	which	PRON
asfbr-1916	191	12	can	can	AUX
asfbr-1916	191	13	make	make	VERB
asfbr-1916	191	14	them	they	PRON
asfbr-1916	191	15	switch	switch	VERB
asfbr-1916	191	16	to	to	ADP
asfbr-1916	191	17	other	other	ADJ
asfbr-1916	191	18	banks	bank	NOUN
asfbr-1916	191	19	.	.	PUNCT
asfbr-1916	192	1	hence	hence	ADV
asfbr-1916	192	2	,	,	PUNCT
asfbr-1916	192	3	bank	bank	PROPN
asfbr-1916	192	4	’s	’s	PART
asfbr-1916	192	5	websites	website	NOUN
asfbr-1916	192	6	should	should	AUX
asfbr-1916	192	7	focus	focus	VERB
asfbr-1916	192	8	more	more	ADV
asfbr-1916	192	9	on	on	ADP
asfbr-1916	192	10	improving	improve	VERB
asfbr-1916	192	11	their	their	PRON
asfbr-1916	192	12	functionality	functionality	NOUN
asfbr-1916	192	13	and	and	CCONJ
asfbr-1916	192	14	user	user	NOUN
asfbr-1916	192	15	interface	interface	NOUN
asfbr-1916	192	16	and	and	CCONJ
asfbr-1916	192	17	also	also	ADV
asfbr-1916	192	18	make	make	VERB
asfbr-1916	192	19	their	their	PRON
asfbr-1916	192	20	online	online	ADJ
asfbr-1916	192	21	portals	portal	NOUN
asfbr-1916	192	22	attractive	attractive	ADJ
asfbr-1916	192	23	.	.	PUNCT
asfbr-1916	193	1	additionally	additionally	ADV
asfbr-1916	193	2	,	,	PUNCT
asfbr-1916	193	3	competition	competition	NOUN
asfbr-1916	193	4	is	be	AUX
asfbr-1916	193	5	high	high	ADJ
asfbr-1916	193	6	,	,	PUNCT
asfbr-1916	193	7	their	their	PRON
asfbr-1916	193	8	e	e	NOUN
asfbr-1916	193	9	-	-	ADJ
asfbr-1916	193	10	banking	banking	ADJ
asfbr-1916	193	11	system	system	NOUN
asfbr-1916	193	12	should	should	AUX
asfbr-1916	193	13	be	be	AUX
asfbr-1916	193	14	designed	design	VERB
asfbr-1916	193	15	with	with	ADP
asfbr-1916	193	16	a	a	DET
asfbr-1916	193	17	fast	fast	ADV
asfbr-1916	193	18	-	-	PUNCT
asfbr-1916	193	19	processing	processing	NOUN
asfbr-1916	193	20	time	time	NOUN
asfbr-1916	193	21	for	for	ADP
asfbr-1916	193	22	customer	customer	NOUN
asfbr-1916	193	23	requests	request	NOUN
asfbr-1916	193	24	and	and	CCONJ
asfbr-1916	193	25	issues	issue	NOUN
asfbr-1916	193	26	in	in	ADP
asfbr-1916	193	27	order	order	NOUN
asfbr-1916	193	28	to	to	PART
asfbr-1916	193	29	attract	attract	VERB
asfbr-1916	193	30	and	and	CCONJ
asfbr-1916	193	31	retain	retain	VERB
asfbr-1916	193	32	customers	customer	NOUN
asfbr-1916	193	33	of	of	ADP
asfbr-1916	193	34	banks	bank	NOUN
asfbr-1916	193	35	.	.	PUNCT
asfbr-1916	194	1	it	it	PRON
asfbr-1916	194	2	is	be	AUX
asfbr-1916	194	3	recommended	recommend	VERB
asfbr-1916	194	4	to	to	PART
asfbr-1916	194	5	make	make	VERB
asfbr-1916	194	6	the	the	DET
asfbr-1916	194	7	app	app	NOUN
asfbr-1916	194	8	simple	simple	NOUN
asfbr-1916	194	9	to	to	PART
asfbr-1916	194	10	use	use	VERB
asfbr-1916	194	11	and	and	CCONJ
asfbr-1916	194	12	user	user	NOUN
asfbr-1916	194	13	friendly	friendly	ADJ
asfbr-1916	194	14	while	while	SCONJ
asfbr-1916	194	15	the	the	DET
asfbr-1916	194	16	services	service	NOUN
asfbr-1916	194	17	should	should	AUX
asfbr-1916	194	18	be	be	AUX
asfbr-1916	194	19	reliable	reliable	ADJ
asfbr-1916	194	20	and	and	CCONJ
asfbr-1916	194	21	secure	secure	ADJ
asfbr-1916	194	22	.	.	PUNCT
asfbr-1916	195	1	even	even	ADV
asfbr-1916	195	2	though	though	SCONJ
asfbr-1916	195	3	this	this	DET
asfbr-1916	195	4	research	research	NOUN
asfbr-1916	195	5	provides	provide	VERB
asfbr-1916	195	6	fruitful	fruitful	ADJ
asfbr-1916	195	7	insights	insight	NOUN
asfbr-1916	195	8	,	,	PUNCT
asfbr-1916	195	9	it	it	PRON
asfbr-1916	195	10	faces	face	VERB
asfbr-1916	195	11	some	some	DET
asfbr-1916	195	12	constraints	constraint	NOUN
asfbr-1916	195	13	as	as	ADV
asfbr-1916	195	14	well	well	ADV
asfbr-1916	195	15	.	.	PUNCT
asfbr-1916	196	1	first	first	ADV
asfbr-1916	196	2	,	,	PUNCT
asfbr-1916	196	3	the	the	DET
asfbr-1916	196	4	data	datum	NOUN
asfbr-1916	196	5	collected	collect	VERB
asfbr-1916	196	6	is	be	AUX
asfbr-1916	196	7	from	from	ADP
asfbr-1916	196	8	the	the	DET
asfbr-1916	196	9	university	university	NOUN
asfbr-1916	196	10	’s	’s	PART
asfbr-1916	196	11	students	student	NOUN
asfbr-1916	196	12	only	only	ADV
asfbr-1916	196	13	that	that	SCONJ
asfbr-1916	196	14	showing	show	VERB
asfbr-1916	196	15	similar	similar	ADJ
asfbr-1916	196	16	lifestyles	lifestyle	NOUN
asfbr-1916	196	17	and	and	CCONJ
asfbr-1916	196	18	more	more	ADJ
asfbr-1916	196	19	or	or	CCONJ
asfbr-1916	196	20	less	less	ADV
asfbr-1916	196	21	similar	similar	ADJ
asfbr-1916	196	22	preferences	preference	NOUN
asfbr-1916	196	23	.	.	PUNCT
asfbr-1916	197	1	hence	hence	ADV
asfbr-1916	197	2	,	,	PUNCT
asfbr-1916	197	3	future	future	ADJ
asfbr-1916	197	4	research	research	NOUN
asfbr-1916	197	5	is	be	AUX
asfbr-1916	197	6	expected	expect	VERB
asfbr-1916	197	7	to	to	PART
asfbr-1916	197	8	expand	expand	VERB
asfbr-1916	197	9	the	the	DET
asfbr-1916	197	10	banking	banking	NOUN
asfbr-1916	197	11	institutions	institution	NOUN
asfbr-1916	197	12	’	'	PUNCT
asfbr-1916	197	13	customer	customer	NOUN
asfbr-1916	197	14	segments	segment	NOUN
asfbr-1916	197	15	as	as	ADP
asfbr-1916	197	16	people	people	NOUN
asfbr-1916	197	17	belonging	belong	VERB
asfbr-1916	197	18	to	to	ADP
asfbr-1916	197	19	different	different	ADJ
asfbr-1916	197	20	backgrounds	background	NOUN
asfbr-1916	197	21	,	,	PUNCT
asfbr-1916	197	22	geographic	geographic	ADJ
asfbr-1916	197	23	regions	region	NOUN
asfbr-1916	197	24	,	,	PUNCT
asfbr-1916	197	25	and	and	CCONJ
asfbr-1916	197	26	demographics	demographic	NOUN
asfbr-1916	197	27	might	might	AUX
asfbr-1916	197	28	exhibit	exhibit	VERB
asfbr-1916	197	29	variant	variant	ADJ
asfbr-1916	197	30	stance	stance	NOUN
asfbr-1916	197	31	and	and	CCONJ
asfbr-1916	197	32	viewpoint	viewpoint	NOUN
asfbr-1916	197	33	towards	towards	ADP
asfbr-1916	197	34	e	e	NOUN
asfbr-1916	197	35	-	-	ADJ
asfbr-1916	197	36	banking	banking	ADJ
asfbr-1916	197	37	service	service	NOUN
asfbr-1916	197	38	.	.	PUNCT
asfbr-1916	198	1	additionally	additionally	ADV
asfbr-1916	198	2	,	,	PUNCT
asfbr-1916	198	3	future	future	ADJ
asfbr-1916	198	4	research	research	NOUN
asfbr-1916	198	5	is	be	AUX
asfbr-1916	198	6	suggested	suggest	VERB
asfbr-1916	198	7	to	to	PART
asfbr-1916	198	8	increase	increase	VERB
asfbr-1916	198	9	the	the	DET
asfbr-1916	198	10	number	number	NOUN
asfbr-1916	198	11	of	of	ADP
asfbr-1916	198	12	variables	variable	NOUN
asfbr-1916	198	13	to	to	PART
asfbr-1916	198	14	be	be	AUX
asfbr-1916	198	15	studied	study	VERB
asfbr-1916	198	16	because	because	SCONJ
asfbr-1916	198	17	the	the	DET
asfbr-1916	198	18	three	three	NUM
asfbr-1916	198	19	variables	variable	NOUN
asfbr-1916	198	20	covered	cover	VERB
asfbr-1916	198	21	in	in	ADP
asfbr-1916	198	22	study	study	NOUN
asfbr-1916	198	23	only	only	ADV
asfbr-1916	198	24	contributes	contribute	VERB
asfbr-1916	198	25	about	about	ADP
asfbr-1916	198	26	64.8	64.8	NUM
asfbr-1916	198	27	%	%	NOUN
asfbr-1916	198	28	of	of	ADP
asfbr-1916	198	29	the	the	DET
asfbr-1916	198	30	total	total	ADJ
asfbr-1916	198	31	variability	variability	NOUN
asfbr-1916	198	32	in	in	ADP
asfbr-1916	198	33	the	the	DET
asfbr-1916	198	34	customer	customer	NOUN
asfbr-1916	198	35	satisfaction	satisfaction	NOUN
asfbr-1916	198	36	.	.	PUNCT
asfbr-1916	199	1	perhaps	perhaps	ADV
asfbr-1916	199	2	,	,	PUNCT
asfbr-1916	199	3	there	there	PRON
asfbr-1916	199	4	are	be	VERB
asfbr-1916	199	5	other	other	ADJ
asfbr-1916	199	6	variables	variable	NOUN
asfbr-1916	199	7	that	that	PRON
asfbr-1916	199	8	might	might	AUX
asfbr-1916	199	9	influence	influence	VERB
asfbr-1916	199	10	customer	customer	NOUN
asfbr-1916	199	11	satisfaction	satisfaction	NOUN
asfbr-1916	199	12	such	such	ADJ
asfbr-1916	199	13	as	as	ADP
asfbr-1916	199	14	trust	trust	NOUN
asfbr-1916	199	15	,	,	PUNCT
asfbr-1916	199	16	technological	technological	ADJ
asfbr-1916	199	17	speediness	speediness	NOUN
asfbr-1916	199	18	,	,	PUNCT
asfbr-1916	199	19	compatibility	compatibility	NOUN
asfbr-1916	199	20	,	,	PUNCT
asfbr-1916	199	21	and	and	CCONJ
asfbr-1916	199	22	any	any	DET
asfbr-1916	199	23	others	other	NOUN
asfbr-1916	199	24	.	.	PUNCT
asfbr-1916	200	1	next	next	ADV
asfbr-1916	200	2	,	,	PUNCT
asfbr-1916	200	3	the	the	DET
asfbr-1916	200	4	selfreported	selfreporte	VERB
asfbr-1916	200	5	behavior	behavior	NOUN
asfbr-1916	200	6	on	on	ADP
asfbr-1916	200	7	which	which	PRON
asfbr-1916	200	8	this	this	DET
asfbr-1916	200	9	study	study	NOUN
asfbr-1916	200	10	relied	rely	VERB
asfbr-1916	200	11	are	be	AUX
asfbr-1916	200	12	vulnerable	vulnerable	ADJ
asfbr-1916	200	13	to	to	ADP
asfbr-1916	200	14	response	response	NOUN
asfbr-1916	200	15	bias	bias	NOUN
asfbr-1916	200	16	.	.	PUNCT
asfbr-1916	201	1	there	there	PRON
asfbr-1916	201	2	is	be	VERB
asfbr-1916	201	3	an	an	DET
asfbr-1916	201	4	uncertainty	uncertainty	NOUN
asfbr-1916	201	5	regarding	regard	VERB
asfbr-1916	201	6	the	the	DET
asfbr-1916	201	7	accuracy	accuracy	NOUN
asfbr-1916	201	8	of	of	ADP
asfbr-1916	201	9	responses	response	NOUN
asfbr-1916	201	10	because	because	SCONJ
asfbr-1916	201	11	self	self	NOUN
asfbr-1916	201	12	-	-	PUNCT
asfbr-1916	201	13	reports	report	NOUN
asfbr-1916	201	14	of	of	ADP
asfbr-1916	201	15	customer	customer	NOUN
asfbr-1916	201	16	satisfaction	satisfaction	NOUN
asfbr-1916	201	17	may	may	AUX
asfbr-1916	201	18	be	be	AUX
asfbr-1916	201	19	less	less	ADV
asfbr-1916	201	20	accurate	accurate	ADJ
asfbr-1916	201	21	.	.	PUNCT
asfbr-1916	202	1	to	to	PART
asfbr-1916	202	2	reduce	reduce	VERB
asfbr-1916	202	3	response	response	NOUN
asfbr-1916	202	4	bias	bias	NOUN
asfbr-1916	202	5	,	,	PUNCT
asfbr-1916	202	6	it	it	PRON
asfbr-1916	202	7	is	be	AUX
asfbr-1916	202	8	suggested	suggest	VERB
asfbr-1916	202	9	for	for	ADP
asfbr-1916	202	10	future	future	ADJ
asfbr-1916	202	11	research	research	NOUN
asfbr-1916	202	12	to	to	PART
asfbr-1916	202	13	use	use	VERB
asfbr-1916	202	14	in	in	ADP
asfbr-1916	202	15	-	-	PUNCT
asfbr-1916	202	16	depth	depth	NOUN
asfbr-1916	202	17	techniques	technique	NOUN
asfbr-1916	202	18	applied	apply	VERB
asfbr-1916	202	19	to	to	ADP
asfbr-1916	202	20	primary	primary	ADJ
asfbr-1916	202	21	data	datum	NOUN
asfbr-1916	202	22	sources	source	NOUN
asfbr-1916	202	23	such	such	ADJ
asfbr-1916	202	24	as	as	ADP
asfbr-1916	202	25	interviews	interview	NOUN
asfbr-1916	202	26	or	or	CCONJ
asfbr-1916	202	27	observations	observation	NOUN
asfbr-1916	202	28	.	.	PUNCT
asfbr-1916	203	1	this	this	PRON
asfbr-1916	203	2	might	might	AUX
asfbr-1916	203	3	help	help	VERB
asfbr-1916	203	4	researcher	researcher	NOUN
asfbr-1916	203	5	to	to	PART
asfbr-1916	203	6	explore	explore	VERB
asfbr-1916	203	7	certain	certain	ADJ
asfbr-1916	203	8	aspects	aspect	NOUN
asfbr-1916	203	9	that	that	PRON
asfbr-1916	203	10	can	can	AUX
asfbr-1916	203	11	not	not	PART
asfbr-1916	203	12	be	be	AUX
asfbr-1916	203	13	discover	discover	VERB
asfbr-1916	203	14	using	use	VERB
asfbr-1916	203	15	survey	survey	NOUN
asfbr-1916	203	16	questionnaire	questionnaire	NOUN
asfbr-1916	203	17	.	.	PUNCT
asfbr-1916	204	1	author	author	NOUN
asfbr-1916	204	2	contributions	contribution	NOUN
asfbr-1916	204	3	:	:	PUNCT
asfbr-1916	204	4	conceptualization	conceptualization	NOUN
asfbr-1916	204	5	,	,	PUNCT
asfbr-1916	204	6	h.h	h.h	PROPN
asfbr-1916	204	7	.	.	PROPN
asfbr-1916	204	8	,	,	PUNCT
asfbr-1916	204	9	n.n.a.n.m.s	n.n.a.n.m.s	PROPN
asfbr-1916	204	10	.	.	PROPN
asfbr-1916	204	11	,	,	PUNCT
asfbr-1916	204	12	h.h	h.h	PROPN
asfbr-1916	204	13	.	.	PROPN
asfbr-1916	204	14	,	,	PUNCT
asfbr-1916	204	15	s.a.b	s.a.b	NOUN
asfbr-1916	204	16	.	.	PROPN
asfbr-1916	204	17	and	and	CCONJ
asfbr-1916	204	18	a.b.b	a.b.b	NOUN
asfbr-1916	204	19	.	.	PUNCT
asfbr-1916	204	20	;	;	PUNCT
asfbr-1916	205	1	methodology	methodology	NOUN
asfbr-1916	205	2	,	,	PUNCT
asfbr-1916	205	3	h.h	h.h	PROPN
asfbr-1916	205	4	.	.	PROPN
asfbr-1916	205	5	;	;	PUNCT
asfbr-1916	205	6	software	software	NOUN
asfbr-1916	205	7	,	,	PUNCT
asfbr-1916	205	8	h.h	h.h	PROPN
asfbr-1916	205	9	.	.	PROPN
asfbr-1916	205	10	;	;	PUNCT
asfbr-1916	205	11	validation	validation	NOUN
asfbr-1916	205	12	,	,	PUNCT
asfbr-1916	205	13	h.h	h.h	PROPN
asfbr-1916	205	14	.	.	PROPN
asfbr-1916	205	15	;	;	PUNCT
asfbr-1916	205	16	formal	formal	ADJ
asfbr-1916	205	17	analysis	analysis	NOUN
asfbr-1916	205	18	,	,	PUNCT
asfbr-1916	205	19	h.h	h.h	PROPN
asfbr-1916	205	20	.	.	PROPN
asfbr-1916	205	21	;	;	PUNCT
asfbr-1916	205	22	investigation	investigation	NOUN
asfbr-1916	205	23	,	,	PUNCT
asfbr-1916	205	24	h.h	h.h	PROPN
asfbr-1916	205	25	.	.	PROPN
asfbr-1916	205	26	and	and	CCONJ
asfbr-1916	205	27	a.b.b	a.b.b	NOUN
asfbr-1916	205	28	.	.	PUNCT
asfbr-1916	205	29	;	;	PUNCT
asfbr-1916	205	30	resources	resource	NOUN
asfbr-1916	205	31	,	,	PUNCT
asfbr-1916	205	32	h.h	h.h	PROPN
asfbr-1916	205	33	.	.	PROPN
asfbr-1916	205	34	and	and	CCONJ
asfbr-1916	205	35	a.b.b	a.b.b	PROPN
asfbr-1916	205	36	.	.	PUNCT
asfbr-1916	205	37	;	;	PUNCT
asfbr-1916	205	38	data	datum	NOUN
asfbr-1916	205	39	curation	curation	NOUN
asfbr-1916	205	40	,	,	PUNCT
asfbr-1916	205	41	h.h	h.h	PROPN
asfbr-1916	205	42	.	.	PROPN
asfbr-1916	205	43	;	;	PUNCT
asfbr-1916	205	44	writing	write	VERB
asfbr-1916	205	45	–	–	PUNCT
asfbr-1916	205	46	original	original	ADJ
asfbr-1916	205	47	draft	draft	NOUN
asfbr-1916	205	48	preparation	preparation	NOUN
asfbr-1916	205	49	,	,	PUNCT
asfbr-1916	205	50	h.h	h.h	PROPN
asfbr-1916	205	51	.	.	PROPN
asfbr-1916	205	52	,	,	PUNCT
asfbr-1916	205	53	n.n.a.n.m.s	n.n.a.n.m.s	PROPN
asfbr-1916	205	54	.	.	PROPN
asfbr-1916	205	55	,	,	PUNCT
asfbr-1916	205	56	h.h	h.h	PROPN
asfbr-1916	205	57	.	.	PROPN
asfbr-1916	205	58	,	,	PUNCT
asfbr-1916	205	59	s.a.b	s.a.b	NOUN
asfbr-1916	205	60	.	.	PROPN
asfbr-1916	205	61	and	and	CCONJ
asfbr-1916	205	62	a.b.b	a.b.b	NOUN
asfbr-1916	205	63	.	.	PUNCT
asfbr-1916	205	64	;	;	PUNCT
asfbr-1916	205	65	writing	write	VERB
asfbr-1916	205	66	–	–	PUNCT
asfbr-1916	205	67	review	review	NOUN
asfbr-1916	205	68	&	&	CCONJ
asfbr-1916	205	69	editing	editing	PROPN
asfbr-1916	205	70	,	,	PUNCT
asfbr-1916	205	71	h.h	h.h	PROPN
asfbr-1916	205	72	.	.	PROPN
asfbr-1916	205	73	and	and	CCONJ
asfbr-1916	205	74	a.b.b	a.b.b	NOUN
asfbr-1916	205	75	.	.	PUNCT
asfbr-1916	205	76	;	;	PUNCT
asfbr-1916	205	77	visualization	visualization	NOUN
asfbr-1916	205	78	,	,	PUNCT
asfbr-1916	205	79	t	t	PROPN
asfbr-1916	205	80	h.h	h.h	PROPN
asfbr-1916	205	81	.	.	PROPN
asfbr-1916	205	82	,	,	PUNCT
asfbr-1916	205	83	n.n.a.n.m.s	n.n.a.n.m.s	PROPN
asfbr-1916	205	84	.	.	PROPN
asfbr-1916	205	85	,	,	PUNCT
asfbr-1916	205	86	h.h	h.h	PROPN
asfbr-1916	205	87	.	.	PROPN
asfbr-1916	205	88	,	,	PUNCT
asfbr-1916	205	89	s.a.b	s.a.b	NOUN
asfbr-1916	205	90	.	.	PROPN
asfbr-1916	205	91	and	and	CCONJ
asfbr-1916	205	92	a.b.b	a.b.b	NOUN
asfbr-1916	205	93	.	.	PUNCT
asfbr-1916	205	94	;	;	PUNCT
asfbr-1916	205	95	supervision	supervision	NOUN
asfbr-1916	205	96	,	,	PUNCT
asfbr-1916	205	97	a.b.b	a.b.b	NOUN
asfbr-1916	205	98	.	.	PUNCT
asfbr-1916	205	99	;	;	PUNCT
asfbr-1916	205	100	project	project	NOUN
asfbr-1916	205	101	administration	administration	NOUN
asfbr-1916	205	102	,	,	PUNCT
asfbr-1916	205	103	h.h	h.h	PROPN
asfbr-1916	205	104	.	.	PROPN
asfbr-1916	205	105	;	;	PUNCT
asfbr-1916	205	106	funding	funding	NOUN
asfbr-1916	205	107	acquisition	acquisition	NOUN
asfbr-1916	205	108	,	,	PUNCT
asfbr-1916	205	109	h.h	h.h	PROPN
asfbr-1916	205	110	.	.	PROPN
asfbr-1916	205	111	,	,	PUNCT
asfbr-1916	205	112	n.n.a.n.m.s	n.n.a.n.m.s	PROPN
asfbr-1916	205	113	.	.	PROPN
asfbr-1916	205	114	,	,	PUNCT
asfbr-1916	205	115	h.h	h.h	PROPN
asfbr-1916	205	116	.	.	PROPN
asfbr-1916	205	117	,	,	PUNCT
asfbr-1916	205	118	s.a.b	s.a.b	NOUN
asfbr-1916	205	119	.	.	PROPN
asfbr-1916	205	120	and	and	CCONJ
asfbr-1916	205	121	a.b.b	a.b.b	NOUN
asfbr-1916	205	122	.	.	PUNCT
asfbr-1916	206	1	authors	author	NOUN
asfbr-1916	206	2	have	have	AUX
asfbr-1916	206	3	read	read	VERB
asfbr-1916	206	4	and	and	CCONJ
asfbr-1916	206	5	agreed	agree	VERB
asfbr-1916	206	6	to	to	ADP
asfbr-1916	206	7	the	the	DET
asfbr-1916	206	8	published	publish	VERB
asfbr-1916	206	9	version	version	NOUN
asfbr-1916	206	10	of	of	ADP
asfbr-1916	206	11	the	the	DET
asfbr-1916	206	12	manuscript	manuscript	NOUN
asfbr-1916	206	13	.	.	PUNCT
asfbr-1916	207	1	institutional	institutional	ADJ
asfbr-1916	207	2	review	review	PROPN
asfbr-1916	207	3	board	board	NOUN
asfbr-1916	207	4	statement	statement	NOUN
asfbr-1916	207	5	:	:	PUNCT
asfbr-1916	207	6	statement	statement	NOUN
asfbr-1916	207	7	:	:	PUNCT
asfbr-1916	207	8	ethical	ethical	ADJ
asfbr-1916	207	9	review	review	NOUN
asfbr-1916	207	10	and	and	CCONJ
asfbr-1916	207	11	approval	approval	NOUN
asfbr-1916	207	12	were	be	AUX
asfbr-1916	207	13	waived	waive	VERB
asfbr-1916	207	14	for	for	ADP
asfbr-1916	207	15	this	this	DET
asfbr-1916	207	16	study	study	NOUN
asfbr-1916	207	17	because	because	SCONJ
asfbr-1916	207	18	the	the	DET
asfbr-1916	207	19	research	research	NOUN
asfbr-1916	207	20	does	do	AUX
asfbr-1916	207	21	not	not	PART
asfbr-1916	207	22	deal	deal	VERB
asfbr-1916	207	23	with	with	ADP
asfbr-1916	207	24	vulnerable	vulnerable	ADJ
asfbr-1916	207	25	groups	group	NOUN
asfbr-1916	207	26	or	or	CCONJ
asfbr-1916	207	27	sensitive	sensitive	ADJ
asfbr-1916	207	28	issues	issue	NOUN
asfbr-1916	207	29	.	.	PUNCT
asfbr-1916	208	1	funding	funding	NOUN
asfbr-1916	208	2	:	:	PUNCT
asfbr-1916	208	3	the	the	DET
asfbr-1916	208	4	authors	author	NOUN
asfbr-1916	208	5	received	receive	VERB
asfbr-1916	208	6	no	no	DET
asfbr-1916	208	7	direct	direct	ADJ
asfbr-1916	208	8	funding	funding	NOUN
asfbr-1916	208	9	for	for	ADP
asfbr-1916	208	10	this	this	DET
asfbr-1916	208	11	research	research	NOUN
asfbr-1916	208	12	.	.	PUNCT
asfbr-1916	209	1	acknowledgments	acknowledgment	NOUN
asfbr-1916	209	2	:	:	PUNCT
asfbr-1916	209	3	we	we	PRON
asfbr-1916	209	4	would	would	AUX
asfbr-1916	209	5	like	like	VERB
asfbr-1916	209	6	to	to	PART
asfbr-1916	209	7	acknowledge	acknowledge	VERB
asfbr-1916	209	8	everyone	everyone	PRON
asfbr-1916	209	9	who	who	PRON
asfbr-1916	209	10	played	play	VERB
asfbr-1916	209	11	a	a	DET
asfbr-1916	209	12	role	role	NOUN
asfbr-1916	209	13	in	in	ADP
asfbr-1916	209	14	our	our	PRON
asfbr-1916	209	15	academic	academic	ADJ
asfbr-1916	209	16	accomplishments	accomplishment	NOUN
asfbr-1916	209	17	especially	especially	ADV
asfbr-1916	209	18	the	the	DET
asfbr-1916	209	19	faculty	faculty	NOUN
asfbr-1916	209	20	of	of	ADP
asfbr-1916	209	21	business	business	NOUN
asfbr-1916	209	22	and	and	CCONJ
asfbr-1916	209	23	accountancy	accountancy	NOUN
asfbr-1916	209	24	academic	academic	ADJ
asfbr-1916	209	25	staff	staff	NOUN
asfbr-1916	209	26	and	and	CCONJ
asfbr-1916	209	27	the	the	DET
asfbr-1916	209	28	committee	committee	NOUN
asfbr-1916	209	29	members	member	NOUN
asfbr-1916	209	30	,	,	PUNCT
asfbr-1916	209	31	each	each	PRON
asfbr-1916	209	32	of	of	ADP
asfbr-1916	209	33	whom	whom	PRON
asfbr-1916	209	34	has	have	AUX
asfbr-1916	209	35	provided	provide	VERB
asfbr-1916	209	36	patient	patient	ADJ
asfbr-1916	209	37	advice	advice	NOUN
asfbr-1916	209	38	and	and	CCONJ
asfbr-1916	209	39	guidance	guidance	NOUN
asfbr-1916	209	40	throughout	throughout	ADP
asfbr-1916	209	41	the	the	DET
asfbr-1916	209	42	research	research	NOUN
asfbr-1916	209	43	process	process	NOUN
asfbr-1916	209	44	.	.	PUNCT
asfbr-1916	210	1	thank	thank	VERB
asfbr-1916	210	2	you	you	PRON
asfbr-1916	210	3	all	all	PRON
asfbr-1916	210	4	for	for	ADP
asfbr-1916	210	5	your	your	PRON
asfbr-1916	210	6	unwavering	unwavering	ADJ
asfbr-1916	210	7	support	support	NOUN
asfbr-1916	210	8	.	.	PUNCT
asfbr-1916	211	1	informed	informed	ADJ
asfbr-1916	211	2	consent	consent	NOUN
asfbr-1916	211	3	statement	statement	NOUN
asfbr-1916	211	4	:	:	PUNCT
asfbr-1916	211	5	informed	inform	VERB
asfbr-1916	211	6	consent	consent	NOUN
asfbr-1916	211	7	was	be	AUX
asfbr-1916	211	8	obtained	obtain	VERB
asfbr-1916	211	9	from	from	ADP
asfbr-1916	211	10	all	all	DET
asfbr-1916	211	11	subjects	subject	NOUN
asfbr-1916	211	12	involved	involve	VERB
asfbr-1916	211	13	in	in	ADP
asfbr-1916	211	14	the	the	DET
asfbr-1916	211	15	study	study	NOUN
asfbr-1916	211	16	.	.	PUNCT
asfbr-1916	212	1	data	datum	NOUN
asfbr-1916	212	2	availability	availability	NOUN
asfbr-1916	212	3	statement	statement	NOUN
asfbr-1916	212	4	:	:	PUNCT
asfbr-1916	212	5	the	the	DET
asfbr-1916	212	6	data	datum	NOUN
asfbr-1916	212	7	presented	present	VERB
asfbr-1916	212	8	in	in	ADP
asfbr-1916	212	9	this	this	DET
asfbr-1916	212	10	study	study	NOUN
asfbr-1916	212	11	are	be	AUX
asfbr-1916	212	12	available	available	ADJ
asfbr-1916	212	13	on	on	ADP
asfbr-1916	212	14	request	request	NOUN
asfbr-1916	212	15	from	from	ADP
asfbr-1916	212	16	the	the	DET
asfbr-1916	212	17	corresponding	corresponding	ADJ
asfbr-1916	212	18	author	author	NOUN
asfbr-1916	212	19	.	.	PUNCT
asfbr-1916	213	1	the	the	DET
asfbr-1916	213	2	data	datum	NOUN
asfbr-1916	213	3	are	be	AUX
asfbr-1916	213	4	not	not	PART
asfbr-1916	213	5	publicly	publicly	ADV
asfbr-1916	213	6	available	available	ADJ
asfbr-1916	213	7	due	due	ADP
asfbr-1916	213	8	to	to	ADP
asfbr-1916	213	9	restrictions	restriction	NOUN
asfbr-1916	213	10	.	.	PUNCT
asfbr-1916	214	1	conflicts	conflict	NOUN
asfbr-1916	214	2	of	of	ADP
asfbr-1916	214	3	interest	interest	NOUN
asfbr-1916	214	4	:	:	PUNCT
asfbr-1916	214	5	the	the	DET
asfbr-1916	214	6	authors	author	NOUN
asfbr-1916	214	7	declare	declare	VERB
asfbr-1916	214	8	no	no	DET
asfbr-1916	214	9	conflict	conflict	NOUN
asfbr-1916	214	10	of	of	ADP
asfbr-1916	214	11	interest	interest	NOUN
asfbr-1916	214	12	.	.	PUNCT
asfbr-1916	215	1	references	reference	NOUN
asfbr-1916	215	2	abu	abu	PROPN
asfbr-1916	215	3	-	-	PUNCT
asfbr-1916	215	4	assi	assi	PROPN
asfbr-1916	215	5	,	,	PUNCT
asfbr-1916	215	6	h.	h.	PROPN
asfbr-1916	215	7	a.	a.	PROPN
asfbr-1916	215	8	,	,	PUNCT
asfbr-1916	215	9	al	al	PROPN
asfbr-1916	215	10	-	-	PUNCT
asfbr-1916	215	11	dmour	dmour	PROPN
asfbr-1916	215	12	,	,	PUNCT
asfbr-1916	215	13	h.	h.	PROPN
asfbr-1916	215	14	h.	h.	PROPN
asfbr-1916	215	15	,	,	PUNCT
asfbr-1916	215	16	&	&	CCONJ
asfbr-1916	215	17	zu'bi	zu'bi	PROPN
asfbr-1916	215	18	,	,	PUNCT
asfbr-1916	215	19	m.	m.	NOUN
asfbr-1916	215	20	f.	f.	PROPN
asfbr-1916	215	21	(	(	PUNCT
asfbr-1916	215	22	2014	2014	NUM
asfbr-1916	215	23	)	)	PUNCT
asfbr-1916	215	24	.	.	PUNCT
asfbr-1916	216	1	determinants	determinant	NOUN
asfbr-1916	216	2	of	of	ADP
asfbr-1916	216	3	internet	internet	NOUN
asfbr-1916	216	4	banking	banking	NOUN
asfbr-1916	216	5	adoption	adoption	NOUN
asfbr-1916	216	6	in	in	ADP
asfbr-1916	216	7	jordan	jordan	PROPN
asfbr-1916	216	8	.	.	PUNCT
asfbr-1916	217	1	international	international	ADJ
asfbr-1916	217	2	journal	journal	PROPN
asfbr-1916	217	3	of	of	ADP
asfbr-1916	217	4	business	business	NOUN
asfbr-1916	217	5	and	and	CCONJ
asfbr-1916	217	6	management	management	NOUN
asfbr-1916	217	7	,	,	PUNCT
asfbr-1916	217	8	9(12	9(12	NUM
asfbr-1916	217	9	)	)	PUNCT
asfbr-1916	217	10	,	,	PUNCT
asfbr-1916	217	11	169	169	NUM
asfbr-1916	217	12	-	-	SYM
asfbr-1916	217	13	182	182	NUM
asfbr-1916	217	14	.	.	PUNCT
asfbr-1916	218	1	akinyemi	akinyemi	NOUN
asfbr-1916	218	2	,	,	PUNCT
asfbr-1916	218	3	i.	i.	PROPN
asfbr-1916	218	4	o.	o.	PROPN
asfbr-1916	218	5	,	,	PUNCT
asfbr-1916	218	6	asani	asani	PROPN
asfbr-1916	218	7	,	,	PUNCT
asfbr-1916	218	8	e.	e.	PROPN
asfbr-1916	218	9	o.	o.	PROPN
asfbr-1916	218	10	,	,	PUNCT
asfbr-1916	218	11	&	&	CCONJ
asfbr-1916	218	12	adigun	adigun	VERB
asfbr-1916	218	13	,	,	PUNCT
asfbr-1916	218	14	a.	a.	NOUN
asfbr-1916	218	15	a.	a.	NOUN
asfbr-1916	218	16	(	(	PUNCT
asfbr-1916	218	17	2013	2013	NUM
asfbr-1916	218	18	)	)	PUNCT
asfbr-1916	218	19	.	.	PUNCT
asfbr-1916	219	1	an	an	DET
asfbr-1916	219	2	investigation	investigation	NOUN
asfbr-1916	219	3	of	of	ADP
asfbr-1916	219	4	users	user	NOUN
asfbr-1916	219	5	’	’	PART
asfbr-1916	219	6	acceptance	acceptance	NOUN
asfbr-1916	219	7	and	and	CCONJ
asfbr-1916	219	8	satisfaction	satisfaction	NOUN
asfbr-1916	219	9	of	of	ADP
asfbr-1916	219	10	e	e	NOUN
asfbr-1916	219	11	-	-	ADJ
asfbr-1916	219	12	banking	banking	ADJ
asfbr-1916	219	13	system	system	NOUN
asfbr-1916	219	14	as	as	ADP
asfbr-1916	219	15	a	a	DET
asfbr-1916	219	16	panacea	panacea	NOUN
asfbr-1916	219	17	towards	towards	ADP
asfbr-1916	219	18	a	a	DET
asfbr-1916	219	19	cashless	cashless	NOUN
asfbr-1916	219	20	economy	economy	NOUN
asfbr-1916	219	21	in	in	ADP
asfbr-1916	219	22	nigeria	nigeria	PROPN
asfbr-1916	219	23	.	.	PUNCT
asfbr-1916	220	1	journal	journal	PROPN
asfbr-1916	220	2	of	of	ADP
asfbr-1916	220	3	emerging	emerge	VERB
asfbr-1916	220	4	trends	trend	NOUN
asfbr-1916	220	5	in	in	ADP
asfbr-1916	220	6	computing	computing	NOUN
asfbr-1916	220	7	and	and	CCONJ
asfbr-1916	220	8	information	information	NOUN
asfbr-1916	220	9	sciences	science	NOUN
asfbr-1916	220	10	,	,	PUNCT
asfbr-1916	220	11	4(12	4(12	NUM
asfbr-1916	220	12	)	)	PUNCT
asfbr-1916	220	13	,	,	PUNCT
asfbr-1916	220	14	954	954	NUM
asfbr-1916	220	15	-	-	SYM
asfbr-1916	220	16	963	963	NUM
asfbr-1916	220	17	.	.	PUNCT
asfbr-1916	221	1	hamzah	hamzah	PROPN
asfbr-1916	221	2	et	et	PROPN
asfbr-1916	221	3	al	al	PROPN
asfbr-1916	221	4	.	.	PROPN
asfbr-1916	221	5	,	,	PUNCT
asfbr-1916	221	6	asian	asian	PROPN
asfbr-1916	221	7	finance	finance	PROPN
asfbr-1916	221	8	&	&	CCONJ
asfbr-1916	221	9	banking	banking	PROPN
asfbr-1916	221	10	review	review	NOUN
asfbr-1916	221	11	7(1	7(1	NUM
asfbr-1916	221	12	)	)	PUNCT
asfbr-1916	221	13	(	(	PUNCT
asfbr-1916	221	14	2023	2023	NUM
asfbr-1916	221	15	)	)	PUNCT
asfbr-1916	221	16	,	,	PUNCT
asfbr-1916	221	17	1	1	NUM
asfbr-1916	221	18	-	-	SYM
asfbr-1916	221	19	9	9	NUM
asfbr-1916	221	20	8	8	NUM
asfbr-1916	221	21	alalwan	alalwan	NOUN
asfbr-1916	221	22	,	,	PUNCT
asfbr-1916	221	23	a.	a.	NOUN
asfbr-1916	221	24	a.	a.	PROPN
asfbr-1916	221	25	,	,	PUNCT
asfbr-1916	221	26	dwivedi	dwivedi	PROPN
asfbr-1916	221	27	,	,	PUNCT
asfbr-1916	221	28	y.	y.	PROPN
asfbr-1916	221	29	k.	k.	PROPN
asfbr-1916	221	30	,	,	PUNCT
asfbr-1916	221	31	&	&	CCONJ
asfbr-1916	221	32	rana	rana	PROPN
asfbr-1916	221	33	,	,	PUNCT
asfbr-1916	221	34	n.	n.	PROPN
asfbr-1916	221	35	p.	p.	PROPN
asfbr-1916	221	36	(	(	PUNCT
asfbr-1916	221	37	2017	2017	NUM
asfbr-1916	221	38	)	)	PUNCT
asfbr-1916	221	39	.	.	PUNCT
asfbr-1916	222	1	factors	factor	NOUN
asfbr-1916	222	2	influencing	influence	VERB
asfbr-1916	222	3	adoption	adoption	NOUN
asfbr-1916	222	4	of	of	ADP
asfbr-1916	222	5	mobile	mobile	ADJ
asfbr-1916	222	6	banking	banking	NOUN
asfbr-1916	222	7	by	by	ADP
asfbr-1916	222	8	jordanian	jordanian	ADJ
asfbr-1916	222	9	bank	bank	NOUN
asfbr-1916	222	10	customers	customer	NOUN
asfbr-1916	222	11	:	:	PUNCT
asfbr-1916	222	12	extending	extend	VERB
asfbr-1916	222	13	utaut2	utaut2	NOUN
asfbr-1916	222	14	with	with	ADP
asfbr-1916	222	15	trust	trust	NOUN
asfbr-1916	222	16	.	.	PUNCT
asfbr-1916	223	1	international	international	ADJ
asfbr-1916	223	2	journal	journal	PROPN
asfbr-1916	223	3	of	of	ADP
asfbr-1916	223	4	information	information	NOUN
asfbr-1916	223	5	management	management	NOUN
asfbr-1916	223	6	,	,	PUNCT
asfbr-1916	223	7	37(3	37(3	NUM
asfbr-1916	223	8	)	)	PUNCT
asfbr-1916	223	9	,	,	PUNCT
asfbr-1916	223	10	99	99	NUM
asfbr-1916	223	11	-	-	SYM
asfbr-1916	223	12	110	110	NUM
asfbr-1916	223	13	.	.	PUNCT
asfbr-1916	224	1	https://doi.org/10.1016/j.ijinfomgt.2017.01.002	https://doi.org/10.1016/j.ijinfomgt.2017.01.002	NOUN
asfbr-1916	224	2	andrea	andrea	PROPN
asfbr-1916	224	3	,	,	PUNCT
asfbr-1916	224	4	h.	h.	PROPN
asfbr-1916	224	5	l.	l.	PROPN
asfbr-1916	224	6	p.	p.	PROPN
asfbr-1916	224	7	,	,	PUNCT
asfbr-1916	224	8	kartonoc	kartonoc	PROPN
asfbr-1916	224	9	,	,	PUNCT
asfbr-1916	224	10	r.	r.	PROPN
asfbr-1916	224	11	,	,	PUNCT
asfbr-1916	224	12	&	&	CCONJ
asfbr-1916	224	13	sundjajad	sundjajad	PROPN
asfbr-1916	224	14	,	,	PUNCT
asfbr-1916	224	15	a.	a.	NOUN
asfbr-1916	224	16	m.	m.	NOUN
asfbr-1916	224	17	(	(	PUNCT
asfbr-1916	224	18	2021	2021	NUM
asfbr-1916	224	19	)	)	PUNCT
asfbr-1916	224	20	.	.	PUNCT
asfbr-1916	225	1	the	the	DET
asfbr-1916	225	2	effect	effect	NOUN
asfbr-1916	225	3	of	of	ADP
asfbr-1916	225	4	perceived	perceive	VERB
asfbr-1916	225	5	usefulness	usefulness	NOUN
asfbr-1916	225	6	,	,	PUNCT
asfbr-1916	225	7	perceived	perceive	VERB
asfbr-1916	225	8	ease	ease	NOUN
asfbr-1916	225	9	of	of	ADP
asfbr-1916	225	10	use	use	NOUN
asfbr-1916	225	11	,	,	PUNCT
asfbr-1916	225	12	perceived	perceive	VERB
asfbr-1916	225	13	risk	risk	NOUN
asfbr-1916	225	14	and	and	CCONJ
asfbr-1916	225	15	technology	technology	NOUN
asfbr-1916	225	16	readiness	readiness	NOUN
asfbr-1916	225	17	on	on	ADP
asfbr-1916	225	18	intention	intention	NOUN
asfbr-1916	225	19	to	to	PART
asfbr-1916	225	20	use	use	VERB
asfbr-1916	225	21	e	e	NOUN
asfbr-1916	225	22	-	-	NOUN
asfbr-1916	225	23	banking	banking	NOUN
asfbr-1916	225	24	in	in	ADP
asfbr-1916	225	25	jakarta	jakarta	PROPN
asfbr-1916	225	26	.	.	PUNCT
asfbr-1916	226	1	turkish	turkish	ADJ
asfbr-1916	226	2	journal	journal	PROPN
asfbr-1916	226	3	of	of	ADP
asfbr-1916	226	4	computer	computer	NOUN
asfbr-1916	226	5	and	and	CCONJ
asfbr-1916	226	6	mathematics	mathematic	NOUN
asfbr-1916	226	7	education	education	NOUN
asfbr-1916	226	8	,	,	PUNCT
asfbr-1916	226	9	12(10	12(10	NUM
asfbr-1916	226	10	)	)	PUNCT
asfbr-1916	226	11	,	,	PUNCT
asfbr-1916	226	12	6829	6829	NUM
asfbr-1916	226	13	-	-	SYM
asfbr-1916	226	14	6836	6836	NUM
asfbr-1916	226	15	.	.	PUNCT
asfbr-1916	227	1	asiyanbi	asiyanbi	PROPN
asfbr-1916	227	2	,	,	PUNCT
asfbr-1916	227	3	h.	h.	PROPN
asfbr-1916	227	4	,	,	PUNCT
asfbr-1916	227	5	&	&	CCONJ
asfbr-1916	227	6	ishola	ishola	PROPN
asfbr-1916	227	7	,	,	PUNCT
asfbr-1916	227	8	a.	a.	NOUN
asfbr-1916	227	9	(	(	PUNCT
asfbr-1916	227	10	2018	2018	NUM
asfbr-1916	227	11	)	)	PUNCT
asfbr-1916	227	12	.	.	PUNCT
asfbr-1916	228	1	e	e	X
asfbr-1916	228	2	-	-	ADJ
asfbr-1916	228	3	banking	banking	ADJ
asfbr-1916	228	4	services	service	NOUN
asfbr-1916	228	5	impact	impact	NOUN
asfbr-1916	228	6	and	and	CCONJ
asfbr-1916	228	7	customer	customer	NOUN
asfbr-1916	228	8	satisfaction	satisfaction	NOUN
asfbr-1916	228	9	in	in	ADP
asfbr-1916	228	10	selected	select	VERB
asfbr-1916	228	11	bank	bank	NOUN
asfbr-1916	228	12	branches	branch	NOUN
asfbr-1916	228	13	in	in	ADP
asfbr-1916	228	14	ibadan	ibadan	PROPN
asfbr-1916	228	15	metropolis	metropolis	PROPN
asfbr-1916	228	16	,	,	PUNCT
asfbr-1916	228	17	oyo	oyo	NOUN
asfbr-1916	228	18	state	state	NOUN
asfbr-1916	228	19	,	,	PUNCT
asfbr-1916	228	20	nigeria	nigeria	PROPN
asfbr-1916	228	21	.	.	PUNCT
asfbr-1916	229	1	accounting	accounting	NOUN
asfbr-1916	229	2	,	,	PUNCT
asfbr-1916	229	3	4(4	4(4	NUM
asfbr-1916	229	4	)	)	PUNCT
asfbr-1916	229	5	,	,	PUNCT
asfbr-1916	229	6	153	153	NUM
asfbr-1916	229	7	-	-	SYM
asfbr-1916	229	8	160	160	NUM
asfbr-1916	229	9	.	.	PUNCT
asfbr-1916	230	1	ayo	ayo	PROPN
asfbr-1916	230	2	,	,	PUNCT
asfbr-1916	230	3	c.	c.	PROPN
asfbr-1916	230	4	k.	k.	PROPN
asfbr-1916	230	5	,	,	PUNCT
asfbr-1916	230	6	oni	oni	PROPN
asfbr-1916	230	7	,	,	PUNCT
asfbr-1916	230	8	a.	a.	NOUN
asfbr-1916	230	9	a.	a.	PROPN
asfbr-1916	230	10	,	,	PUNCT
asfbr-1916	230	11	adewoye	adewoye	NOUN
asfbr-1916	230	12	,	,	PUNCT
asfbr-1916	230	13	o.	o.	PROPN
asfbr-1916	230	14	j.	j.	PROPN
asfbr-1916	230	15	,	,	PUNCT
asfbr-1916	230	16	&	&	CCONJ
asfbr-1916	230	17	eweoya	eweoya	PROPN
asfbr-1916	230	18	,	,	PUNCT
asfbr-1916	230	19	i.	i.	PROPN
asfbr-1916	230	20	o.	o.	PROPN
asfbr-1916	230	21	(	(	PUNCT
asfbr-1916	230	22	2016	2016	NUM
asfbr-1916	230	23	)	)	PUNCT
asfbr-1916	230	24	.	.	PUNCT
asfbr-1916	231	1	e	e	X
asfbr-1916	231	2	-	-	ADJ
asfbr-1916	231	3	banking	banking	ADJ
asfbr-1916	231	4	users	user	NOUN
asfbr-1916	231	5	’	'	PUNCT
asfbr-1916	231	6	behaviour	behaviour	NOUN
asfbr-1916	231	7	:	:	PUNCT
asfbr-1916	231	8	e	e	NOUN
asfbr-1916	231	9	-	-	NOUN
asfbr-1916	231	10	service	service	ADJ
asfbr-1916	231	11	quality	quality	NOUN
asfbr-1916	231	12	,	,	PUNCT
asfbr-1916	231	13	attitude	attitude	NOUN
asfbr-1916	231	14	,	,	PUNCT
asfbr-1916	231	15	and	and	CCONJ
asfbr-1916	231	16	customer	customer	NOUN
asfbr-1916	231	17	satisfaction	satisfaction	NOUN
asfbr-1916	231	18	.	.	PUNCT
asfbr-1916	232	1	international	international	ADJ
asfbr-1916	232	2	journal	journal	PROPN
asfbr-1916	232	3	of	of	ADP
asfbr-1916	232	4	bank	bank	PROPN
asfbr-1916	232	5	marketing	marketing	NOUN
asfbr-1916	232	6	,	,	PUNCT
asfbr-1916	232	7	34(3	34(3	NUM
asfbr-1916	232	8	)	)	PUNCT
asfbr-1916	232	9	,	,	PUNCT
asfbr-1916	232	10	347	347	NUM
asfbr-1916	232	11	-	-	SYM
asfbr-1916	232	12	367	367	NUM
asfbr-1916	232	13	.	.	PUNCT
asfbr-1916	233	1	https://doi.org/10.1108/ijbm12-2014-0175	https://doi.org/10.1108/ijbm12-2014-0175	PROPN
asfbr-1916	233	2	belás	belás	PROPN
asfbr-1916	233	3	,	,	PUNCT
asfbr-1916	233	4	j.	j.	PROPN
asfbr-1916	233	5	,	,	PUNCT
asfbr-1916	233	6	korauš	korauš	PROPN
asfbr-1916	233	7	,	,	PUNCT
asfbr-1916	233	8	m.	m.	NOUN
asfbr-1916	233	9	,	,	PUNCT
asfbr-1916	233	10	kombo	kombo	PROPN
asfbr-1916	233	11	,	,	PUNCT
asfbr-1916	233	12	f.	f.	PROPN
asfbr-1916	233	13	,	,	PUNCT
asfbr-1916	233	14	&	&	CCONJ
asfbr-1916	233	15	korauš	korauš	PROPN
asfbr-1916	233	16	,	,	PUNCT
asfbr-1916	233	17	a.	a.	NOUN
asfbr-1916	233	18	(	(	PUNCT
asfbr-1916	233	19	2016	2016	NUM
asfbr-1916	233	20	)	)	PUNCT
asfbr-1916	233	21	.	.	PUNCT
asfbr-1916	234	1	electronic	electronic	ADJ
asfbr-1916	234	2	banking	banking	NOUN
asfbr-1916	234	3	security	security	NOUN
asfbr-1916	234	4	and	and	CCONJ
asfbr-1916	234	5	customer	customer	NOUN
asfbr-1916	234	6	satisfaction	satisfaction	NOUN
asfbr-1916	234	7	in	in	ADP
asfbr-1916	234	8	commercial	commercial	ADJ
asfbr-1916	234	9	banks	bank	NOUN
asfbr-1916	234	10	.	.	PUNCT
asfbr-1916	235	1	journal	journal	NOUN
asfbr-1916	235	2	of	of	ADP
asfbr-1916	235	3	security	security	NOUN
asfbr-1916	235	4	and	and	CCONJ
asfbr-1916	235	5	sustainability	sustainability	NOUN
asfbr-1916	235	6	issues	issue	NOUN
asfbr-1916	235	7	,	,	PUNCT
asfbr-1916	235	8	5(3	5(3	NUM
asfbr-1916	235	9	)	)	PUNCT
asfbr-1916	235	10	,	,	PUNCT
asfbr-1916	235	11	411	411	NUM
asfbr-1916	235	12	-	-	SYM
asfbr-1916	235	13	422	422	NUM
asfbr-1916	235	14	.	.	PUNCT
asfbr-1916	236	1	http://dx.doi.org/10.9770/jssi.2016.5.3(9	http://dx.doi.org/10.9770/jssi.2016.5.3(9	ADJ
asfbr-1916	236	2	)	)	PUNCT
asfbr-1916	236	3	bougie	bougie	NOUN
asfbr-1916	236	4	,	,	PUNCT
asfbr-1916	236	5	r.	r.	PROPN
asfbr-1916	236	6	,	,	PUNCT
asfbr-1916	236	7	&	&	CCONJ
asfbr-1916	236	8	sekaran	sekaran	NOUN
asfbr-1916	236	9	,	,	PUNCT
asfbr-1916	236	10	u.	u.	PROPN
asfbr-1916	236	11	(	(	PUNCT
asfbr-1916	236	12	2019	2019	NUM
asfbr-1916	236	13	)	)	PUNCT
asfbr-1916	236	14	.	.	PUNCT
asfbr-1916	237	1	research	research	NOUN
asfbr-1916	237	2	methods	method	NOUN
asfbr-1916	237	3	for	for	ADP
asfbr-1916	237	4	business	business	NOUN
asfbr-1916	237	5	:	:	PUNCT
asfbr-1916	237	6	a	a	DET
asfbr-1916	237	7	skill	skill	NOUN
asfbr-1916	237	8	building	building	NOUN
asfbr-1916	237	9	approach	approach	NOUN
asfbr-1916	237	10	.	.	PUNCT
asfbr-1916	238	1	john	john	PROPN
asfbr-1916	238	2	wiley	wiley	PROPN
asfbr-1916	238	3	&	&	CCONJ
asfbr-1916	238	4	sons	son	NOUN
asfbr-1916	238	5	.	.	PUNCT
asfbr-1916	239	1	chen	chen	PROPN
asfbr-1916	239	2	,	,	PUNCT
asfbr-1916	239	3	r.	r.	PROPN
asfbr-1916	239	4	f.	f.	PROPN
asfbr-1916	239	5	,	,	PUNCT
asfbr-1916	239	6	hsiao	hsiao	PROPN
asfbr-1916	239	7	,	,	PUNCT
asfbr-1916	239	8	j.	j.	PROPN
asfbr-1916	239	9	l.	l.	PROPN
asfbr-1916	239	10	,	,	PUNCT
asfbr-1916	239	11	&	&	CCONJ
asfbr-1916	239	12	hwang	hwang	PROPN
asfbr-1916	239	13	,	,	PUNCT
asfbr-1916	239	14	h.	h.	PROPN
asfbr-1916	239	15	g.	g.	PROPN
asfbr-1916	239	16	(	(	PUNCT
asfbr-1916	239	17	2012	2012	NUM
asfbr-1916	239	18	)	)	PUNCT
asfbr-1916	239	19	.	.	PUNCT
asfbr-1916	240	1	measuring	measure	VERB
asfbr-1916	240	2	customer	customer	NOUN
asfbr-1916	240	3	satisfaction	satisfaction	NOUN
asfbr-1916	240	4	of	of	ADP
asfbr-1916	240	5	internet	internet	NOUN
asfbr-1916	240	6	banking	banking	NOUN
asfbr-1916	240	7	in	in	ADP
asfbr-1916	240	8	taiwan	taiwan	PROPN
asfbr-1916	240	9	:	:	PUNCT
asfbr-1916	240	10	scale	scale	NOUN
asfbr-1916	240	11	development	development	NOUN
asfbr-1916	240	12	and	and	CCONJ
asfbr-1916	240	13	validation	validation	NOUN
asfbr-1916	240	14	.	.	PUNCT
asfbr-1916	241	1	total	total	ADJ
asfbr-1916	241	2	quality	quality	NOUN
asfbr-1916	241	3	management	management	NOUN
asfbr-1916	241	4	,	,	PUNCT
asfbr-1916	241	5	23(7	23(7	NUM
asfbr-1916	241	6	)	)	PUNCT
asfbr-1916	241	7	,	,	PUNCT
asfbr-1916	241	8	749	749	NUM
asfbr-1916	241	9	-	-	SYM
asfbr-1916	241	10	767	767	NUM
asfbr-1916	241	11	.	.	PUNCT
asfbr-1916	242	1	choudrie	choudrie	PROPN
asfbr-1916	242	2	,	,	PUNCT
asfbr-1916	242	3	j.	j.	PROPN
asfbr-1916	242	4	,	,	PUNCT
asfbr-1916	242	5	junior	junior	PROPN
asfbr-1916	242	6	,	,	PUNCT
asfbr-1916	242	7	c.	c.	PROPN
asfbr-1916	242	8	o.	o.	PROPN
asfbr-1916	242	9	,	,	PUNCT
asfbr-1916	242	10	mckenna	mckenna	PROPN
asfbr-1916	242	11	,	,	PUNCT
asfbr-1916	242	12	b.	b.	PROPN
asfbr-1916	242	13	,	,	PUNCT
asfbr-1916	242	14	&	&	CCONJ
asfbr-1916	242	15	richter	richter	PROPN
asfbr-1916	242	16	,	,	PUNCT
asfbr-1916	242	17	s.	s.	PROPN
asfbr-1916	242	18	(	(	PUNCT
asfbr-1916	242	19	2018	2018	NUM
asfbr-1916	242	20	)	)	PUNCT
asfbr-1916	242	21	.	.	PUNCT
asfbr-1916	243	1	understanding	understanding	NOUN
asfbr-1916	243	2	and	and	CCONJ
asfbr-1916	243	3	conceptualising	conceptualise	VERB
asfbr-1916	243	4	the	the	DET
asfbr-1916	243	5	adoption	adoption	NOUN
asfbr-1916	243	6	,	,	PUNCT
asfbr-1916	243	7	use	use	NOUN
asfbr-1916	243	8	and	and	CCONJ
asfbr-1916	243	9	diffusion	diffusion	NOUN
asfbr-1916	243	10	of	of	ADP
asfbr-1916	243	11	mobile	mobile	ADJ
asfbr-1916	243	12	banking	banking	NOUN
asfbr-1916	243	13	in	in	ADP
asfbr-1916	243	14	older	old	ADJ
asfbr-1916	243	15	adults	adult	NOUN
asfbr-1916	243	16	:	:	PUNCT
asfbr-1916	243	17	a	a	DET
asfbr-1916	243	18	research	research	NOUN
asfbr-1916	243	19	agenda	agenda	NOUN
asfbr-1916	243	20	and	and	CCONJ
asfbr-1916	243	21	conceptual	conceptual	ADJ
asfbr-1916	243	22	framework	framework	NOUN
asfbr-1916	243	23	.	.	PUNCT
asfbr-1916	244	1	journal	journal	NOUN
asfbr-1916	244	2	of	of	ADP
asfbr-1916	244	3	business	business	NOUN
asfbr-1916	244	4	research	research	NOUN
asfbr-1916	244	5	,	,	PUNCT
asfbr-1916	244	6	88	88	NUM
asfbr-1916	244	7	,	,	PUNCT
asfbr-1916	244	8	449465	449465	NUM
asfbr-1916	244	9	.	.	PUNCT
asfbr-1916	245	1	https://doi.org/10.1016/j.jbusres.2017.11.029	https://doi.org/10.1016/j.jbusres.2017.11.029	PROPN
asfbr-1916	245	2	das	das	PROPN
asfbr-1916	245	3	,	,	PUNCT
asfbr-1916	245	4	s.	s.	PROPN
asfbr-1916	245	5	a.	a.	PROPN
asfbr-1916	245	6	,	,	PUNCT
asfbr-1916	245	7	&	&	CCONJ
asfbr-1916	245	8	ravi	ravi	PROPN
asfbr-1916	245	9	,	,	PUNCT
asfbr-1916	245	10	n.	n.	NOUN
asfbr-1916	245	11	(	(	PUNCT
asfbr-1916	245	12	2021	2021	NUM
asfbr-1916	245	13	)	)	PUNCT
asfbr-1916	245	14	.	.	PUNCT
asfbr-1916	246	1	a	a	DET
asfbr-1916	246	2	study	study	NOUN
asfbr-1916	246	3	on	on	ADP
asfbr-1916	246	4	the	the	DET
asfbr-1916	246	5	impact	impact	NOUN
asfbr-1916	246	6	of	of	ADP
asfbr-1916	246	7	e	e	NOUN
asfbr-1916	246	8	-	-	ADJ
asfbr-1916	246	9	banking	banking	ADJ
asfbr-1916	246	10	service	service	NOUN
asfbr-1916	246	11	quality	quality	NOUN
asfbr-1916	246	12	on	on	ADP
asfbr-1916	246	13	customer	customer	NOUN
asfbr-1916	246	14	satisfaction	satisfaction	NOUN
asfbr-1916	246	15	.	.	PUNCT
asfbr-1916	247	1	asian	asian	ADJ
asfbr-1916	247	2	journal	journal	PROPN
asfbr-1916	247	3	of	of	ADP
asfbr-1916	247	4	economics	economic	NOUN
asfbr-1916	247	5	,	,	PUNCT
asfbr-1916	247	6	finance	finance	NOUN
asfbr-1916	247	7	and	and	CCONJ
asfbr-1916	247	8	management	management	NOUN
asfbr-1916	247	9	,	,	PUNCT
asfbr-1916	247	10	48	48	NUM
asfbr-1916	247	11	-	-	SYM
asfbr-1916	247	12	56	56	NUM
asfbr-1916	247	13	.	.	PUNCT
asfbr-1916	247	14	enaizan	enaizan	PROPN
asfbr-1916	247	15	,	,	PUNCT
asfbr-1916	247	16	o.	o.	NOUN
asfbr-1916	247	17	m.	m.	NOUN
asfbr-1916	247	18	,	,	PUNCT
asfbr-1916	247	19	alwi	alwi	PROPN
asfbr-1916	247	20	,	,	PUNCT
asfbr-1916	247	21	n.	n.	PROPN
asfbr-1916	247	22	h.	h.	PROPN
asfbr-1916	247	23	,	,	PUNCT
asfbr-1916	247	24	&	&	CCONJ
asfbr-1916	247	25	zaizi	zaizi	PROPN
asfbr-1916	247	26	,	,	PUNCT
asfbr-1916	247	27	n.	n.	PROPN
asfbr-1916	247	28	j.	j.	PROPN
asfbr-1916	247	29	(	(	PUNCT
asfbr-1916	247	30	2017	2017	NUM
asfbr-1916	247	31	)	)	PUNCT
asfbr-1916	247	32	.	.	PUNCT
asfbr-1916	248	1	privacy	privacy	NOUN
asfbr-1916	248	2	and	and	CCONJ
asfbr-1916	248	3	security	security	NOUN
asfbr-1916	248	4	concern	concern	NOUN
asfbr-1916	248	5	for	for	ADP
asfbr-1916	248	6	electronic	electronic	ADJ
asfbr-1916	248	7	medical	medical	ADJ
asfbr-1916	248	8	record	record	NOUN
asfbr-1916	248	9	acceptance	acceptance	NOUN
asfbr-1916	248	10	and	and	CCONJ
asfbr-1916	248	11	use	use	NOUN
asfbr-1916	248	12	:	:	PUNCT
asfbr-1916	248	13	state	state	NOUN
asfbr-1916	248	14	of	of	ADP
asfbr-1916	248	15	the	the	DET
asfbr-1916	248	16	art	art	NOUN
asfbr-1916	248	17	.	.	PUNCT
asfbr-1916	249	1	journal	journal	NOUN
asfbr-1916	249	2	of	of	ADP
asfbr-1916	249	3	advanced	advanced	ADJ
asfbr-1916	249	4	science	science	NOUN
asfbr-1916	249	5	and	and	CCONJ
asfbr-1916	249	6	engineering	engineering	NOUN
asfbr-1916	249	7	research	research	NOUN
asfbr-1916	249	8	,	,	PUNCT
asfbr-1916	249	9	7(2	7(2	NUM
asfbr-1916	249	10	)	)	PUNCT
asfbr-1916	249	11	,	,	PUNCT
asfbr-1916	249	12	23	23	NUM
asfbr-1916	249	13	-	-	SYM
asfbr-1916	249	14	34	34	NUM
asfbr-1916	249	15	.	.	PUNCT
asfbr-1916	250	1	farzianpour	farzianpour	PROPN
asfbr-1916	250	2	,	,	PUNCT
asfbr-1916	250	3	f.	f.	PROPN
asfbr-1916	250	4	,	,	PUNCT
asfbr-1916	250	5	pishdar	pishdar	NOUN
asfbr-1916	250	6	,	,	PUNCT
asfbr-1916	250	7	m.	m.	NOUN
asfbr-1916	250	8	,	,	PUNCT
asfbr-1916	250	9	shakib	shakib	NOUN
asfbr-1916	250	10	,	,	PUNCT
asfbr-1916	250	11	m.	m.	NOUN
asfbr-1916	250	12	d.	d.	PROPN
asfbr-1916	250	13	,	,	PUNCT
asfbr-1916	250	14	&	&	CCONJ
asfbr-1916	250	15	toloun	toloun	PROPN
asfbr-1916	250	16	,	,	PUNCT
asfbr-1916	251	1	m.	m.	PROPN
asfbr-1916	251	2	r.	r.	PROPN
asfbr-1916	251	3	s.	s.	PROPN
asfbr-1916	251	4	h.	h.	PROPN
asfbr-1916	252	1	(	(	PUNCT
asfbr-1916	252	2	2014	2014	NUM
asfbr-1916	252	3	)	)	PUNCT
asfbr-1916	252	4	.	.	PUNCT
asfbr-1916	253	1	consumers	consumer	NOUN
asfbr-1916	253	2	’	'	PUNCT
asfbr-1916	253	3	perceived	perceive	VERB
asfbr-1916	253	4	risk	risk	NOUN
asfbr-1916	253	5	and	and	CCONJ
asfbr-1916	253	6	its	its	PRON
asfbr-1916	253	7	effect	effect	NOUN
asfbr-1916	253	8	on	on	ADP
asfbr-1916	253	9	adoption	adoption	NOUN
asfbr-1916	253	10	of	of	ADP
asfbr-1916	253	11	online	online	ADJ
asfbr-1916	253	12	banking	banking	NOUN
asfbr-1916	253	13	services	service	NOUN
asfbr-1916	253	14	.	.	PUNCT
asfbr-1916	254	1	american	american	PROPN
asfbr-1916	254	2	journal	journal	PROPN
asfbr-1916	254	3	of	of	ADP
asfbr-1916	254	4	applied	apply	VERB
asfbr-1916	254	5	sciences	science	NOUN
asfbr-1916	254	6	,	,	PUNCT
asfbr-1916	254	7	11(1	11(1	NUM
asfbr-1916	254	8	)	)	PUNCT
asfbr-1916	254	9	,	,	PUNCT
asfbr-1916	254	10	47	47	NUM
asfbr-1916	254	11	-	-	SYM
asfbr-1916	254	12	61	61	NUM
asfbr-1916	254	13	.	.	PUNCT
asfbr-1916	255	1	forgas	forgas	NOUN
asfbr-1916	255	2	-	-	PUNCT
asfbr-1916	255	3	coll	coll	PROPN
asfbr-1916	255	4	,	,	PUNCT
asfbr-1916	255	5	s.	s.	PROPN
asfbr-1916	255	6	,	,	PUNCT
asfbr-1916	255	7	palau	palau	PROPN
asfbr-1916	255	8	-	-	PUNCT
asfbr-1916	255	9	saumell	saumell	PROPN
asfbr-1916	255	10	,	,	PUNCT
asfbr-1916	255	11	r.	r.	PROPN
asfbr-1916	255	12	,	,	PUNCT
asfbr-1916	255	13	sánchez	sánchez	NOUN
asfbr-1916	255	14	-	-	PUNCT
asfbr-1916	255	15	garcía	garcía	ADJ
asfbr-1916	255	16	,	,	PUNCT
asfbr-1916	255	17	j.	j.	PROPN
asfbr-1916	255	18	,	,	PUNCT
asfbr-1916	255	19	&	&	CCONJ
asfbr-1916	255	20	fandos	fandos	PROPN
asfbr-1916	255	21	-	-	PUNCT
asfbr-1916	255	22	roig	roig	PROPN
asfbr-1916	255	23	,	,	PUNCT
asfbr-1916	255	24	j.	j.	PROPN
asfbr-1916	255	25	c.	c.	PROPN
asfbr-1916	255	26	(	(	PUNCT
asfbr-1916	255	27	2013	2013	NUM
asfbr-1916	255	28	)	)	PUNCT
asfbr-1916	255	29	.	.	PUNCT
asfbr-1916	256	1	airline	airline	NOUN
asfbr-1916	256	2	website	website	NOUN
asfbr-1916	256	3	loyalty	loyalty	NOUN
asfbr-1916	256	4	formation	formation	NOUN
asfbr-1916	256	5	and	and	CCONJ
asfbr-1916	256	6	the	the	DET
asfbr-1916	256	7	moderating	moderate	VERB
asfbr-1916	256	8	effects	effect	NOUN
asfbr-1916	256	9	of	of	ADP
asfbr-1916	256	10	gender	gender	NOUN
asfbr-1916	256	11	and	and	CCONJ
asfbr-1916	256	12	education	education	NOUN
asfbr-1916	256	13	.	.	PUNCT
asfbr-1916	257	1	service	service	NOUN
asfbr-1916	257	2	business	business	NOUN
asfbr-1916	257	3	,	,	PUNCT
asfbr-1916	257	4	7(2	7(2	NUM
asfbr-1916	257	5	)	)	PUNCT
asfbr-1916	257	6	,	,	PUNCT
asfbr-1916	257	7	255	255	NUM
asfbr-1916	257	8	-	-	SYM
asfbr-1916	257	9	274	274	NUM
asfbr-1916	257	10	.	.	PUNCT
asfbr-1916	258	1	hair	hair	NOUN
asfbr-1916	258	2	,	,	PUNCT
asfbr-1916	258	3	j.	j.	PROPN
asfbr-1916	258	4	f.	f.	PROPN
asfbr-1916	258	5	,	,	PUNCT
asfbr-1916	258	6	page	page	NOUN
asfbr-1916	258	7	,	,	PUNCT
asfbr-1916	258	8	m.	m.	NOUN
asfbr-1916	258	9	,	,	PUNCT
asfbr-1916	258	10	&	&	CCONJ
asfbr-1916	258	11	brunsveld	brunsveld	PROPN
asfbr-1916	258	12	,	,	PUNCT
asfbr-1916	258	13	n.	n.	PROPN
asfbr-1916	258	14	(	(	PUNCT
asfbr-1916	258	15	2019	2019	NUM
asfbr-1916	258	16	)	)	PUNCT
asfbr-1916	258	17	.	.	PUNCT
asfbr-1916	259	1	essentials	essential	NOUN
asfbr-1916	259	2	of	of	ADP
asfbr-1916	259	3	business	business	NOUN
asfbr-1916	259	4	research	research	NOUN
asfbr-1916	259	5	methods	method	NOUN
asfbr-1916	259	6	.	.	PUNCT
asfbr-1916	260	1	routledge	routledge	PROPN
asfbr-1916	260	2	.	.	PUNCT
asfbr-1916	261	1	hammoud	hammoud	PROPN
asfbr-1916	261	2	,	,	PUNCT
asfbr-1916	261	3	j.	j.	PROPN
asfbr-1916	261	4	,	,	PUNCT
asfbr-1916	261	5	bizri	bizri	PROPN
asfbr-1916	261	6	,	,	PUNCT
asfbr-1916	261	7	r.	r.	PROPN
asfbr-1916	261	8	m.	m.	PROPN
asfbr-1916	261	9	,	,	PUNCT
asfbr-1916	261	10	&	&	CCONJ
asfbr-1916	261	11	el	el	PROPN
asfbr-1916	261	12	baba	baba	PROPN
asfbr-1916	261	13	,	,	PUNCT
asfbr-1916	261	14	i.	i.	PROPN
asfbr-1916	261	15	(	(	PUNCT
asfbr-1916	261	16	2018	2018	NUM
asfbr-1916	261	17	)	)	PUNCT
asfbr-1916	261	18	.	.	PUNCT
asfbr-1916	262	1	the	the	DET
asfbr-1916	262	2	impact	impact	NOUN
asfbr-1916	262	3	of	of	ADP
asfbr-1916	262	4	e	e	NOUN
asfbr-1916	262	5	-	-	ADJ
asfbr-1916	262	6	banking	banking	ADJ
asfbr-1916	262	7	service	service	NOUN
asfbr-1916	262	8	quality	quality	NOUN
asfbr-1916	262	9	on	on	ADP
asfbr-1916	262	10	customer	customer	NOUN
asfbr-1916	262	11	satisfaction	satisfaction	NOUN
asfbr-1916	262	12	:	:	PUNCT
asfbr-1916	262	13	evidence	evidence	NOUN
asfbr-1916	262	14	from	from	ADP
asfbr-1916	262	15	the	the	DET
asfbr-1916	262	16	lebanese	lebanese	ADJ
asfbr-1916	262	17	banking	banking	NOUN
asfbr-1916	262	18	sector	sector	NOUN
asfbr-1916	262	19	.	.	PUNCT
asfbr-1916	263	1	sage	sage	NOUN
asfbr-1916	263	2	open	open	ADJ
asfbr-1916	263	3	,	,	PUNCT
asfbr-1916	263	4	8(3	8(3	NUM
asfbr-1916	263	5	)	)	PUNCT
asfbr-1916	263	6	,	,	PUNCT
asfbr-1916	263	7	1	1	NUM
asfbr-1916	263	8	-	-	SYM
asfbr-1916	263	9	12	12	NUM
asfbr-1916	263	10	.	.	PUNCT
asfbr-1916	264	1	https://doi.org/10.1177/2158244018790633	https://doi.org/10.1177/2158244018790633	ADJ
asfbr-1916	264	2	hayati	hayati	NOUN
asfbr-1916	264	3	,	,	PUNCT
asfbr-1916	264	4	s.	s.	PROPN
asfbr-1916	264	5	,	,	PUNCT
asfbr-1916	264	6	suroso	suroso	PROPN
asfbr-1916	264	7	,	,	PUNCT
asfbr-1916	264	8	a.	a.	NOUN
asfbr-1916	264	9	,	,	PUNCT
asfbr-1916	264	10	suliyanto	suliyanto	NOUN
asfbr-1916	264	11	,	,	PUNCT
asfbr-1916	264	12	s.	s.	PROPN
asfbr-1916	264	13	,	,	PUNCT
asfbr-1916	264	14	&	&	CCONJ
asfbr-1916	264	15	kaukab	kaukab	PROPN
asfbr-1916	264	16	,	,	PUNCT
asfbr-1916	264	17	m.	m.	NOUN
asfbr-1916	264	18	(	(	PUNCT
asfbr-1916	264	19	2020	2020	NUM
asfbr-1916	264	20	)	)	PUNCT
asfbr-1916	264	21	.	.	PUNCT
asfbr-1916	265	1	customer	customer	NOUN
asfbr-1916	265	2	satisfaction	satisfaction	NOUN
asfbr-1916	265	3	as	as	ADP
asfbr-1916	265	4	a	a	DET
asfbr-1916	265	5	mediation	mediation	NOUN
asfbr-1916	265	6	between	between	ADP
asfbr-1916	265	7	micro	micro	ADJ
asfbr-1916	265	8	banking	banking	NOUN
asfbr-1916	265	9	image	image	NOUN
asfbr-1916	265	10	,	,	PUNCT
asfbr-1916	265	11	customer	customer	NOUN
asfbr-1916	265	12	relationship	relationship	NOUN
asfbr-1916	265	13	and	and	CCONJ
asfbr-1916	265	14	customer	customer	NOUN
asfbr-1916	265	15	loyalty	loyalty	NOUN
asfbr-1916	265	16	.	.	PUNCT
asfbr-1916	266	1	management	management	NOUN
asfbr-1916	266	2	science	science	NOUN
asfbr-1916	266	3	letters	letter	NOUN
asfbr-1916	266	4	,	,	PUNCT
asfbr-1916	266	5	10(11	10(11	NUM
asfbr-1916	266	6	)	)	PUNCT
asfbr-1916	266	7	,	,	PUNCT
asfbr-1916	266	8	2561	2561	NUM
asfbr-1916	266	9	-	-	SYM
asfbr-1916	266	10	2570	2570	NUM
asfbr-1916	266	11	.	.	PUNCT
asfbr-1916	267	1	hussien	hussien	PROPN
asfbr-1916	267	2	,	,	PUNCT
asfbr-1916	267	3	m.	m.	NOUN
asfbr-1916	267	4	i.	i.	PROPN
asfbr-1916	267	5	,	,	PUNCT
asfbr-1916	267	6	&	&	CCONJ
asfbr-1916	267	7	abd	abd	PROPN
asfbr-1916	267	8	el	el	PROPN
asfbr-1916	267	9	aziz	aziz	PROPN
asfbr-1916	267	10	,	,	PUNCT
asfbr-1916	267	11	r.	r.	PROPN
asfbr-1916	267	12	(	(	PUNCT
asfbr-1916	267	13	2013	2013	NUM
asfbr-1916	267	14	)	)	PUNCT
asfbr-1916	267	15	.	.	PUNCT
asfbr-1916	268	1	investigating	investigate	VERB
asfbr-1916	268	2	e	e	NOUN
asfbr-1916	268	3	-	-	ADJ
asfbr-1916	268	4	banking	banking	ADJ
asfbr-1916	268	5	service	service	NOUN
asfbr-1916	268	6	quality	quality	NOUN
asfbr-1916	268	7	in	in	ADP
asfbr-1916	268	8	one	one	NUM
asfbr-1916	268	9	of	of	ADP
asfbr-1916	268	10	egypt	egypt	PROPN
asfbr-1916	268	11	’s	’s	PART
asfbr-1916	268	12	banks	bank	NOUN
asfbr-1916	268	13	:	:	PUNCT
asfbr-1916	268	14	a	a	DET
asfbr-1916	268	15	stakeholder	stakeholder	NOUN
asfbr-1916	268	16	analysis	analysis	NOUN
asfbr-1916	268	17	.	.	PUNCT
asfbr-1916	269	1	the	the	DET
asfbr-1916	269	2	tqm	tqm	PROPN
asfbr-1916	269	3	journal	journal	NOUN
asfbr-1916	269	4	,	,	PUNCT
asfbr-1916	269	5	25(5	25(5	NUM
asfbr-1916	269	6	)	)	PUNCT
asfbr-1916	269	7	,	,	PUNCT
asfbr-1916	269	8	557	557	NUM
asfbr-1916	269	9	-	-	SYM
asfbr-1916	269	10	576	576	NUM
asfbr-1916	269	11	.	.	PUNCT
asfbr-1916	270	1	kaushal	kaushal	PROPN
asfbr-1916	270	2	,	,	PUNCT
asfbr-1916	270	3	v.	v.	PROPN
asfbr-1916	270	4	,	,	PUNCT
asfbr-1916	270	5	&	&	CCONJ
asfbr-1916	270	6	balaini	balaini	PROPN
asfbr-1916	270	7	,	,	PUNCT
asfbr-1916	270	8	a.	a.	NOUN
asfbr-1916	270	9	(	(	PUNCT
asfbr-1916	270	10	2016	2016	NUM
asfbr-1916	270	11	)	)	PUNCT
asfbr-1916	270	12	.	.	PUNCT
asfbr-1916	271	1	e	e	X
asfbr-1916	271	2	-	-	NOUN
asfbr-1916	271	3	banking	banking	NOUN
asfbr-1916	271	4	:	:	PUNCT
asfbr-1916	271	5	challenges	challenge	NOUN
asfbr-1916	271	6	and	and	CCONJ
asfbr-1916	271	7	issues	issue	NOUN
asfbr-1916	271	8	.	.	PUNCT
asfbr-1916	272	1	hill	hill	PROPN
asfbr-1916	272	2	quest	quest	PROPN
asfbr-1916	272	3	,	,	PUNCT
asfbr-1916	272	4	3(3	3(3	NUM
asfbr-1916	272	5	)	)	PUNCT
asfbr-1916	272	6	,	,	PUNCT
asfbr-1916	272	7	69	69	NUM
asfbr-1916	272	8	-	-	SYM
asfbr-1916	272	9	73	73	NUM
asfbr-1916	272	10	.	.	PUNCT
asfbr-1916	272	11	kotler	kotler	NOUN
asfbr-1916	272	12	,	,	PUNCT
asfbr-1916	272	13	p.	p.	PROPN
asfbr-1916	272	14	,	,	PUNCT
asfbr-1916	272	15	&	&	CCONJ
asfbr-1916	272	16	keller	keller	PROPN
asfbr-1916	272	17	,	,	PUNCT
asfbr-1916	272	18	k.	k.	PROPN
asfbr-1916	272	19	(	(	PUNCT
asfbr-1916	272	20	2011	2011	NUM
asfbr-1916	272	21	)	)	PUNCT
asfbr-1916	272	22	.	.	PUNCT
asfbr-1916	273	1	marketing	marketing	NOUN
asfbr-1916	273	2	management	management	NOUN
asfbr-1916	273	3	.	.	PUNCT
asfbr-1916	274	1	(	(	PUNCT
asfbr-1916	274	2	14th	14th	NUM
asfbr-1916	274	3	ed	ed	NOUN
asfbr-1916	274	4	.	.	PUNCT
asfbr-1916	274	5	)	)	PUNCT
asfbr-1916	274	6	.	.	PUNCT
asfbr-1916	275	1	new	new	PROPN
asfbr-1916	275	2	york	york	PROPN
asfbr-1916	275	3	,	,	PUNCT
asfbr-1916	275	4	ny	ny	PROPN
asfbr-1916	275	5	:	:	PUNCT
asfbr-1916	275	6	pearson	pearson	PROPN
asfbr-1916	275	7	.	.	PUNCT
asfbr-1916	276	1	kumar	kumar	PROPN
asfbr-1916	276	2	,	,	PUNCT
asfbr-1916	276	3	m.	m.	NOUN
asfbr-1916	276	4	,	,	PUNCT
asfbr-1916	276	5	&	&	CCONJ
asfbr-1916	276	6	gupta	gupta	PROPN
asfbr-1916	276	7	,	,	PUNCT
asfbr-1916	276	8	s.	s.	PROPN
asfbr-1916	276	9	(	(	PUNCT
asfbr-1916	276	10	2020	2020	NUM
asfbr-1916	276	11	)	)	PUNCT
asfbr-1916	276	12	.	.	PUNCT
asfbr-1916	277	1	security	security	NOUN
asfbr-1916	277	2	perception	perception	NOUN
asfbr-1916	277	3	of	of	ADP
asfbr-1916	277	4	e	e	NOUN
asfbr-1916	277	5	-	-	NOUN
asfbr-1916	277	6	banking	banking	ADJ
asfbr-1916	277	7	users	user	NOUN
asfbr-1916	277	8	in	in	ADP
asfbr-1916	277	9	india	india	PROPN
asfbr-1916	277	10	:	:	PUNCT
asfbr-1916	277	11	an	an	DET
asfbr-1916	277	12	analytical	analytical	ADJ
asfbr-1916	277	13	hierarchy	hierarchy	NOUN
asfbr-1916	277	14	process	process	NOUN
asfbr-1916	277	15	.	.	PUNCT
asfbr-1916	278	1	banks	bank	NOUN
asfbr-1916	278	2	and	and	CCONJ
asfbr-1916	278	3	bank	bank	NOUN
asfbr-1916	278	4	systems	system	NOUN
asfbr-1916	278	5	,	,	PUNCT
asfbr-1916	278	6	15(1	15(1	NUM
asfbr-1916	278	7	)	)	PUNCT
asfbr-1916	278	8	,	,	PUNCT
asfbr-1916	278	9	11	11	NUM
asfbr-1916	278	10	-	-	SYM
asfbr-1916	278	11	20	20	NUM
asfbr-1916	278	12	.	.	PUNCT
asfbr-1916	279	1	kumar	kumar	PROPN
asfbr-1916	279	2	,	,	PUNCT
asfbr-1916	279	3	n.	n.	PROPN
asfbr-1916	279	4	,	,	PUNCT
asfbr-1916	279	5	&	&	CCONJ
asfbr-1916	279	6	mehrotra	mehrotra	PROPN
asfbr-1916	279	7	,	,	PUNCT
asfbr-1916	279	8	r.	r.	PROPN
asfbr-1916	279	9	(	(	PUNCT
asfbr-1916	279	10	2022	2022	NUM
asfbr-1916	279	11	)	)	PUNCT
asfbr-1916	279	12	.	.	PUNCT
asfbr-1916	280	1	a	a	DET
asfbr-1916	280	2	study	study	NOUN
asfbr-1916	280	3	of	of	ADP
asfbr-1916	280	4	customer	customer	NOUN
asfbr-1916	280	5	perception	perception	NOUN
asfbr-1916	280	6	regarding	regard	VERB
asfbr-1916	280	7	issues	issue	NOUN
asfbr-1916	280	8	and	and	CCONJ
asfbr-1916	280	9	challenges	challenge	NOUN
asfbr-1916	280	10	in	in	ADP
asfbr-1916	280	11	digital	digital	ADJ
asfbr-1916	280	12	banking	banking	NOUN
asfbr-1916	280	13	.	.	PUNCT
asfbr-1916	281	1	journal	journal	NOUN
asfbr-1916	281	2	of	of	ADP
asfbr-1916	281	3	positive	positive	ADJ
asfbr-1916	281	4	school	school	NOUN
asfbr-1916	281	5	psychology	psychology	NOUN
asfbr-1916	281	6	,	,	PUNCT
asfbr-1916	281	7	1874	1874	NUM
asfbr-1916	281	8	-	-	SYM
asfbr-1916	281	9	1878	1878	NUM
asfbr-1916	281	10	.	.	PUNCT
asfbr-1916	282	1	liébana‐cabanillas	liébana‐cabanilla	NOUN
asfbr-1916	282	2	,	,	PUNCT
asfbr-1916	282	3	f.	f.	PROPN
asfbr-1916	282	4	,	,	PUNCT
asfbr-1916	282	5	muñoz‐leiva	muñoz‐leiva	PROPN
asfbr-1916	282	6	,	,	PUNCT
asfbr-1916	282	7	f.	f.	PROPN
asfbr-1916	282	8	,	,	PUNCT
asfbr-1916	282	9	&	&	CCONJ
asfbr-1916	282	10	rejón‐guardia	rejón‐guardia	PROPN
asfbr-1916	282	11	,	,	PUNCT
asfbr-1916	282	12	f.	f.	PROPN
asfbr-1916	282	13	(	(	PUNCT
asfbr-1916	282	14	2013	2013	NUM
asfbr-1916	282	15	)	)	PUNCT
asfbr-1916	282	16	.	.	PUNCT
asfbr-1916	283	1	the	the	DET
asfbr-1916	283	2	determinants	determinant	NOUN
asfbr-1916	283	3	of	of	ADP
asfbr-1916	283	4	satisfaction	satisfaction	NOUN
asfbr-1916	283	5	with	with	ADP
asfbr-1916	283	6	e‐	e‐	PROPN
asfbr-1916	283	7	banking	banking	NOUN
asfbr-1916	283	8	.	.	PUNCT
asfbr-1916	284	1	industrial	industrial	ADJ
asfbr-1916	284	2	management	management	PROPN
asfbr-1916	284	3	&	&	CCONJ
asfbr-1916	284	4	data	datum	NOUN
asfbr-1916	284	5	systems	system	NOUN
asfbr-1916	284	6	,	,	PUNCT
asfbr-1916	284	7	113(5	113(5	NUM
asfbr-1916	284	8	)	)	PUNCT
asfbr-1916	284	9	,	,	PUNCT
asfbr-1916	284	10	750	750	NUM
asfbr-1916	284	11	-	-	SYM
asfbr-1916	284	12	767	767	NUM
asfbr-1916	284	13	.	.	PUNCT
asfbr-1916	285	1	https://doi.org/10.1108/02635571311324188	https://doi.org/10.1108/02635571311324188	VERB
asfbr-1916	285	2	martins	martin	NOUN
asfbr-1916	285	3	,	,	PUNCT
asfbr-1916	285	4	c.	c.	PROPN
asfbr-1916	285	5	,	,	PUNCT
asfbr-1916	285	6	oliveira	oliveira	PROPN
asfbr-1916	285	7	,	,	PUNCT
asfbr-1916	285	8	t.	t.	PROPN
asfbr-1916	285	9	,	,	PUNCT
asfbr-1916	285	10	&	&	CCONJ
asfbr-1916	285	11	popovič	popovič	PROPN
asfbr-1916	285	12	,	,	PUNCT
asfbr-1916	285	13	a.	a.	NOUN
asfbr-1916	285	14	(	(	PUNCT
asfbr-1916	285	15	2014	2014	NUM
asfbr-1916	285	16	)	)	PUNCT
asfbr-1916	285	17	.	.	PUNCT
asfbr-1916	286	1	understanding	understand	VERB
asfbr-1916	286	2	the	the	DET
asfbr-1916	286	3	internet	internet	NOUN
asfbr-1916	286	4	banking	banking	NOUN
asfbr-1916	286	5	adoption	adoption	NOUN
asfbr-1916	286	6	:	:	PUNCT
asfbr-1916	286	7	a	a	DET
asfbr-1916	286	8	unified	unified	ADJ
asfbr-1916	286	9	theory	theory	NOUN
asfbr-1916	286	10	of	of	ADP
asfbr-1916	286	11	acceptance	acceptance	NOUN
asfbr-1916	286	12	and	and	CCONJ
asfbr-1916	286	13	use	use	NOUN
asfbr-1916	286	14	of	of	ADP
asfbr-1916	286	15	technology	technology	NOUN
asfbr-1916	286	16	and	and	CCONJ
asfbr-1916	286	17	perceived	perceive	VERB
asfbr-1916	286	18	risk	risk	NOUN
asfbr-1916	286	19	.	.	PUNCT
asfbr-1916	287	1	international	international	ADJ
asfbr-1916	287	2	journal	journal	PROPN
asfbr-1916	287	3	of	of	ADP
asfbr-1916	287	4	information	information	NOUN
asfbr-1916	287	5	management	management	NOUN
asfbr-1916	287	6	,	,	PUNCT
asfbr-1916	287	7	34(1	34(1	NUM
asfbr-1916	287	8	)	)	PUNCT
asfbr-1916	287	9	,	,	PUNCT
asfbr-1916	287	10	1	1	NUM
asfbr-1916	287	11	-	-	SYM
asfbr-1916	287	12	13	13	NUM
asfbr-1916	287	13	.	.	PUNCT
asfbr-1916	288	1	mogos	mogos	PROPN
asfbr-1916	288	2	,	,	PUNCT
asfbr-1916	288	3	g.	g.	PROPN
asfbr-1916	288	4	,	,	PUNCT
asfbr-1916	288	5	&	&	CCONJ
asfbr-1916	288	6	jamail	jamail	PROPN
asfbr-1916	288	7	,	,	PUNCT
asfbr-1916	288	8	n.	n.	PROPN
asfbr-1916	288	9	s.	s.	PROPN
asfbr-1916	288	10	m.	m.	PROPN
asfbr-1916	288	11	(	(	PUNCT
asfbr-1916	288	12	2021	2021	NUM
asfbr-1916	288	13	)	)	PUNCT
asfbr-1916	288	14	.	.	PUNCT
asfbr-1916	289	1	study	study	NOUN
asfbr-1916	289	2	on	on	ADP
asfbr-1916	289	3	security	security	NOUN
asfbr-1916	289	4	risks	risk	NOUN
asfbr-1916	289	5	of	of	ADP
asfbr-1916	289	6	e	e	NOUN
asfbr-1916	289	7	-	-	ADJ
asfbr-1916	289	8	banking	banking	ADJ
asfbr-1916	289	9	system	system	NOUN
asfbr-1916	289	10	.	.	PUNCT
asfbr-1916	290	1	indonesian	indonesian	ADJ
asfbr-1916	290	2	journal	journal	PROPN
asfbr-1916	290	3	of	of	ADP
asfbr-1916	290	4	electrical	electrical	ADJ
asfbr-1916	290	5	engineering	engineering	NOUN
asfbr-1916	290	6	and	and	CCONJ
asfbr-1916	290	7	computer	computer	NOUN
asfbr-1916	290	8	science	science	NOUN
asfbr-1916	290	9	,	,	PUNCT
asfbr-1916	290	10	21(2	21(2	NUM
asfbr-1916	290	11	)	)	PUNCT
asfbr-1916	290	12	,	,	PUNCT
asfbr-1916	290	13	1065	1065	NUM
asfbr-1916	290	14	-	-	SYM
asfbr-1916	290	15	1072	1072	NUM
asfbr-1916	290	16	.	.	PUNCT
asfbr-1916	291	1	njuguna	njuguna	PROPN
asfbr-1916	291	2	,	,	PUNCT
asfbr-1916	291	3	p.	p.	PROPN
asfbr-1916	291	4	k.	k.	PROPN
asfbr-1916	291	5	,	,	PUNCT
asfbr-1916	291	6	ritho	ritho	NOUN
asfbr-1916	291	7	,	,	PUNCT
asfbr-1916	291	8	c.	c.	PROPN
asfbr-1916	291	9	,	,	PUNCT
asfbr-1916	291	10	olweny	olweny	VERB
asfbr-1916	291	11	,	,	PUNCT
asfbr-1916	291	12	t.	t.	PROPN
asfbr-1916	291	13	,	,	PUNCT
asfbr-1916	291	14	&	&	CCONJ
asfbr-1916	291	15	wanderi	wanderi	PROPN
asfbr-1916	291	16	,	,	PUNCT
asfbr-1916	291	17	p.	p.	NOUN
asfbr-1916	291	18	m.	m.	NOUN
asfbr-1916	291	19	(	(	PUNCT
asfbr-1916	291	20	2012	2012	NUM
asfbr-1916	291	21	)	)	PUNCT
asfbr-1916	291	22	.	.	PUNCT
asfbr-1916	292	1	internet	internet	NOUN
asfbr-1916	292	2	banking	banking	NOUN
asfbr-1916	292	3	adoption	adoption	NOUN
asfbr-1916	292	4	in	in	ADP
asfbr-1916	292	5	kenya	kenya	PROPN
asfbr-1916	292	6	:	:	PUNCT
asfbr-1916	292	7	the	the	DET
asfbr-1916	292	8	case	case	NOUN
asfbr-1916	292	9	of	of	ADP
asfbr-1916	292	10	nairobi	nairobi	PROPN
asfbr-1916	292	11	country	country	PROPN
asfbr-1916	292	12	.	.	PUNCT
asfbr-1916	293	1	international	international	ADJ
asfbr-1916	293	2	journal	journal	PROPN
asfbr-1916	293	3	of	of	ADP
asfbr-1916	293	4	business	business	NOUN
asfbr-1916	293	5	and	and	CCONJ
asfbr-1916	293	6	social	social	ADJ
asfbr-1916	293	7	science	science	NOUN
asfbr-1916	293	8	,	,	PUNCT
asfbr-1916	293	9	3(18	3(18	NUM
asfbr-1916	293	10	)	)	PUNCT
asfbr-1916	293	11	,	,	PUNCT
asfbr-1916	293	12	246	246	NUM
asfbr-1916	293	13	-	-	SYM
asfbr-1916	293	14	252	252	NUM
asfbr-1916	293	15	.	.	PUNCT
asfbr-1916	294	1	novickytė	novickytė	NOUN
asfbr-1916	294	2	,	,	PUNCT
asfbr-1916	294	3	l.	l.	PROPN
asfbr-1916	294	4	,	,	PUNCT
asfbr-1916	294	5	&	&	CCONJ
asfbr-1916	294	6	pedroja	pedroja	PROPN
asfbr-1916	294	7	,	,	PUNCT
asfbr-1916	294	8	g.	g.	PROPN
asfbr-1916	294	9	(	(	PUNCT
asfbr-1916	294	10	2015	2015	NUM
asfbr-1916	294	11	)	)	PUNCT
asfbr-1916	294	12	.	.	PUNCT
asfbr-1916	295	1	assessment	assessment	NOUN
asfbr-1916	295	2	of	of	ADP
asfbr-1916	295	3	mergers	merger	NOUN
asfbr-1916	295	4	and	and	CCONJ
asfbr-1916	295	5	acquisitions	acquisition	NOUN
asfbr-1916	295	6	in	in	ADP
asfbr-1916	295	7	banking	banking	NOUN
asfbr-1916	295	8	on	on	ADP
asfbr-1916	295	9	small	small	ADJ
asfbr-1916	295	10	open	open	ADJ
asfbr-1916	295	11	economy	economy	NOUN
asfbr-1916	295	12	as	as	ADP
asfbr-1916	295	13	sustainable	sustainable	ADJ
asfbr-1916	295	14	domestic	domestic	ADJ
asfbr-1916	295	15	financial	financial	ADJ
asfbr-1916	295	16	system	system	NOUN
asfbr-1916	295	17	development	development	NOUN
asfbr-1916	295	18	,	,	PUNCT
asfbr-1916	295	19	economics	economic	NOUN
asfbr-1916	295	20	and	and	CCONJ
asfbr-1916	295	21	sociology	sociology	NOUN
asfbr-1916	295	22	,	,	PUNCT
asfbr-1916	295	23	8(1	8(1	NOUN
asfbr-1916	295	24	)	)	PUNCT
asfbr-1916	295	25	,	,	PUNCT
asfbr-1916	295	26	71	71	NUM
asfbr-1916	295	27	-	-	SYM
asfbr-1916	295	28	87	87	NUM
asfbr-1916	295	29	.	.	PUNCT
asfbr-1916	296	1	https://doi.org/10.14254/2071789x.2015/8-1/6	https://doi.org/10.14254/2071789x.2015/8-1/6	PROPN
asfbr-1916	296	2	oliver	oliver	PROPN
asfbr-1916	296	3	,	,	PUNCT
asfbr-1916	296	4	r.	r.	PROPN
asfbr-1916	296	5	l.	l.	PROPN
asfbr-1916	296	6	(	(	PUNCT
asfbr-1916	296	7	2010	2010	NUM
asfbr-1916	296	8	)	)	PUNCT
asfbr-1916	296	9	.	.	PUNCT
asfbr-1916	297	1	customer	customer	NOUN
asfbr-1916	297	2	satisfaction	satisfaction	NOUN
asfbr-1916	297	3	.	.	PUNCT
asfbr-1916	298	1	wiley	wiley	PROPN
asfbr-1916	298	2	international	international	ADJ
asfbr-1916	298	3	encyclopedia	encyclopedia	NOUN
asfbr-1916	298	4	of	of	ADP
asfbr-1916	298	5	marketing	marketing	NOUN
asfbr-1916	298	6	.	.	PUNCT
asfbr-1916	299	1	pallant	pallant	PROPN
asfbr-1916	299	2	,	,	PUNCT
asfbr-1916	299	3	j.	j.	PROPN
asfbr-1916	299	4	(	(	PUNCT
asfbr-1916	299	5	2020	2020	NUM
asfbr-1916	299	6	)	)	PUNCT
asfbr-1916	299	7	.	.	PUNCT
asfbr-1916	300	1	spss	spss	PROPN
asfbr-1916	300	2	survival	survival	PROPN
asfbr-1916	300	3	manual	manual	NOUN
asfbr-1916	300	4	:	:	PUNCT
asfbr-1916	300	5	a	a	DET
asfbr-1916	300	6	step	step	NOUN
asfbr-1916	300	7	-	-	PUNCT
asfbr-1916	300	8	by	by	ADP
asfbr-1916	300	9	-	-	PUNCT
asfbr-1916	300	10	step	step	NOUN
asfbr-1916	300	11	guide	guide	NOUN
asfbr-1916	300	12	to	to	ADP
asfbr-1916	300	13	data	datum	NOUN
asfbr-1916	300	14	analysis	analysis	NOUN
asfbr-1916	300	15	using	use	VERB
asfbr-1916	300	16	ibm	ibm	PROPN
asfbr-1916	300	17	spss	spss	PROPN
asfbr-1916	300	18	.	.	PUNCT
asfbr-1916	301	1	routledge	routledge	PROPN
asfbr-1916	301	2	.	.	PROPN
asfbr-1916	301	3	parasuraman	parasuraman	PROPN
asfbr-1916	301	4	,	,	PUNCT
asfbr-1916	301	5	a.	a.	NOUN
asfbr-1916	301	6	,	,	PUNCT
asfbr-1916	301	7	berry	berry	NOUN
asfbr-1916	301	8	,	,	PUNCT
asfbr-1916	301	9	l.	l.	PROPN
asfbr-1916	301	10	,	,	PUNCT
asfbr-1916	301	11	&	&	CCONJ
asfbr-1916	301	12	zeithaml	zeithaml	PROPN
asfbr-1916	301	13	,	,	PUNCT
asfbr-1916	301	14	v.	v.	PROPN
asfbr-1916	301	15	(	(	PUNCT
asfbr-1916	301	16	2002	2002	NUM
asfbr-1916	301	17	)	)	PUNCT
asfbr-1916	301	18	.	.	PUNCT
asfbr-1916	302	1	refinement	refinement	NOUN
asfbr-1916	302	2	and	and	CCONJ
asfbr-1916	302	3	reassessment	reassessment	NOUN
asfbr-1916	302	4	of	of	ADP
asfbr-1916	302	5	the	the	DET
asfbr-1916	302	6	servqual	servqual	ADJ
asfbr-1916	302	7	scale	scale	NOUN
asfbr-1916	302	8	.	.	PUNCT
asfbr-1916	303	1	journal	journal	NOUN
asfbr-1916	303	2	of	of	ADP
asfbr-1916	303	3	retailing	retailing	NOUN
asfbr-1916	303	4	,	,	PUNCT
asfbr-1916	303	5	67(4	67(4	NUM
asfbr-1916	303	6	)	)	PUNCT
asfbr-1916	303	7	,	,	PUNCT
asfbr-1916	303	8	114	114	NUM
asfbr-1916	303	9	-	-	SYM
asfbr-1916	303	10	127	127	NUM
asfbr-1916	303	11	.	.	PUNCT
asfbr-1916	304	1	rawwash	rawwash	PROPN
asfbr-1916	304	2	,	,	PUNCT
asfbr-1916	304	3	h.	h.	PROPN
asfbr-1916	304	4	,	,	PUNCT
asfbr-1916	304	5	masad	masad	PROPN
asfbr-1916	304	6	,	,	PUNCT
asfbr-1916	304	7	f.	f.	PROPN
asfbr-1916	304	8	,	,	PUNCT
asfbr-1916	304	9	enaizan	enaizan	PROPN
asfbr-1916	304	10	,	,	PUNCT
asfbr-1916	304	11	o.	o.	PROPN
asfbr-1916	304	12	,	,	PUNCT
asfbr-1916	304	13	eneizan	eneizan	PROPN
asfbr-1916	304	14	,	,	PUNCT
asfbr-1916	304	15	b.	b.	PROPN
asfbr-1916	304	16	,	,	PUNCT
asfbr-1916	304	17	adaileh	adaileh	NOUN
asfbr-1916	304	18	,	,	PUNCT
asfbr-1916	304	19	m.	m.	NOUN
asfbr-1916	304	20	,	,	PUNCT
asfbr-1916	304	21	saleh	saleh	NOUN
asfbr-1916	304	22	,	,	PUNCT
asfbr-1916	304	23	a.	a.	PROPN
asfbr-1916	304	24	,	,	PUNCT
asfbr-1916	304	25	&	&	CCONJ
asfbr-1916	304	26	almestarihi	almestarihi	PROPN
asfbr-1916	304	27	,	,	PUNCT
asfbr-1916	304	28	r.	r.	PROPN
asfbr-1916	304	29	(	(	PUNCT
asfbr-1916	304	30	2020	2020	NUM
asfbr-1916	304	31	)	)	PUNCT
asfbr-1916	304	32	.	.	PUNCT
asfbr-1916	305	1	factors	factor	NOUN
asfbr-1916	305	2	affecting	affect	VERB
asfbr-1916	305	3	jordanian	jordanian	ADJ
asfbr-1916	305	4	electronic	electronic	ADJ
asfbr-1916	305	5	banking	banking	NOUN
asfbr-1916	305	6	services	service	NOUN
asfbr-1916	305	7	.	.	PUNCT
asfbr-1916	306	1	management	management	NOUN
asfbr-1916	306	2	science	science	NOUN
asfbr-1916	306	3	letters	letter	NOUN
asfbr-1916	306	4	,	,	PUNCT
asfbr-1916	306	5	10(4	10(4	NUM
asfbr-1916	306	6	)	)	PUNCT
asfbr-1916	306	7	,	,	PUNCT
asfbr-1916	306	8	915	915	NUM
asfbr-1916	306	9	-	-	SYM
asfbr-1916	306	10	922	922	NUM
asfbr-1916	306	11	.	.	PUNCT
asfbr-1916	307	1	raza	raza	PROPN
asfbr-1916	307	2	,	,	PUNCT
asfbr-1916	307	3	s.	s.	PROPN
asfbr-1916	307	4	a.	a.	PROPN
asfbr-1916	307	5	,	,	PUNCT
asfbr-1916	307	6	umer	umer	PROPN
asfbr-1916	307	7	,	,	PUNCT
asfbr-1916	307	8	a.	a.	PROPN
asfbr-1916	307	9	,	,	PUNCT
asfbr-1916	307	10	qureshi	qureshi	PROPN
asfbr-1916	307	11	,	,	PUNCT
asfbr-1916	307	12	m.	m.	NOUN
asfbr-1916	307	13	a.	a.	PROPN
asfbr-1916	307	14	,	,	PUNCT
asfbr-1916	307	15	&	&	CCONJ
asfbr-1916	307	16	dahri	dahri	PROPN
asfbr-1916	307	17	,	,	PUNCT
asfbr-1916	307	18	a.	a.	PROPN
asfbr-1916	307	19	s.	s.	PROPN
asfbr-1916	307	20	(	(	PUNCT
asfbr-1916	307	21	2020	2020	NUM
asfbr-1916	307	22	)	)	PUNCT
asfbr-1916	307	23	.	.	PUNCT
asfbr-1916	308	1	internet	internet	NOUN
asfbr-1916	308	2	banking	banking	NOUN
asfbr-1916	308	3	service	service	NOUN
asfbr-1916	308	4	quality	quality	NOUN
asfbr-1916	308	5	,	,	PUNCT
asfbr-1916	308	6	e	e	NOUN
asfbr-1916	308	7	-	-	NOUN
asfbr-1916	308	8	customer	customer	NOUN
asfbr-1916	308	9	satisfaction	satisfaction	NOUN
asfbr-1916	308	10	and	and	CCONJ
asfbr-1916	308	11	loyalty	loyalty	NOUN
asfbr-1916	308	12	:	:	PUNCT
asfbr-1916	308	13	the	the	DET
asfbr-1916	308	14	modified	modified	ADJ
asfbr-1916	308	15	e	e	ADJ
asfbr-1916	308	16	-	-	ADJ
asfbr-1916	308	17	servqual	servqual	ADJ
asfbr-1916	308	18	model	model	NOUN
asfbr-1916	308	19	.	.	PUNCT
asfbr-1916	309	1	the	the	DET
asfbr-1916	309	2	tqm	tqm	PROPN
asfbr-1916	309	3	journal	journal	NOUN
asfbr-1916	309	4	,	,	PUNCT
asfbr-1916	309	5	32(6	32(6	NUM
asfbr-1916	309	6	)	)	PUNCT
asfbr-1916	309	7	,	,	PUNCT
asfbr-1916	309	8	1443	1443	NUM
asfbr-1916	309	9	-	-	SYM
asfbr-1916	309	10	1466	1466	NUM
asfbr-1916	309	11	.	.	PUNCT
asfbr-1916	310	1	ruyter	ruyter	PROPN
asfbr-1916	310	2	,	,	PUNCT
asfbr-1916	310	3	k.	k.	PROPN
asfbr-1916	310	4	,	,	PUNCT
asfbr-1916	310	5	&	&	CCONJ
asfbr-1916	310	6	bloemer	bloemer	PROPN
asfbr-1916	310	7	,	,	PUNCT
asfbr-1916	310	8	j.	j.	PROPN
asfbr-1916	310	9	(	(	PUNCT
asfbr-1916	310	10	1999	1999	NUM
asfbr-1916	310	11	)	)	PUNCT
asfbr-1916	310	12	.	.	PUNCT
asfbr-1916	311	1	customer	customer	NOUN
asfbr-1916	311	2	loyalty	loyalty	NOUN
asfbr-1916	311	3	in	in	ADP
asfbr-1916	311	4	extended	extended	ADJ
asfbr-1916	311	5	service	service	NOUN
asfbr-1916	311	6	settings	setting	NOUN
asfbr-1916	311	7	:	:	PUNCT
asfbr-1916	311	8	the	the	DET
asfbr-1916	311	9	interaction	interaction	NOUN
asfbr-1916	311	10	between	between	ADP
asfbr-1916	311	11	satisfaction	satisfaction	NOUN
asfbr-1916	311	12	,	,	PUNCT
asfbr-1916	311	13	value	value	NOUN
asfbr-1916	311	14	attainment	attainment	ADJ
asfbr-1916	311	15	and	and	CCONJ
asfbr-1916	311	16	positive	positive	ADJ
asfbr-1916	311	17	mood	mood	NOUN
asfbr-1916	311	18	.	.	PUNCT
asfbr-1916	312	1	international	international	ADJ
asfbr-1916	312	2	journal	journal	PROPN
asfbr-1916	312	3	of	of	ADP
asfbr-1916	312	4	service	service	NOUN
asfbr-1916	312	5	industry	industry	NOUN
asfbr-1916	312	6	management	management	NOUN
asfbr-1916	312	7	,	,	PUNCT
asfbr-1916	312	8	10(3	10(3	NUM
asfbr-1916	312	9	)	)	PUNCT
asfbr-1916	312	10	,	,	PUNCT
asfbr-1916	312	11	320‐336	320‐336	PROPN
asfbr-1916	312	12	.	.	PUNCT
asfbr-1916	313	1	saidi	saidi	PROPN
asfbr-1916	313	2	,	,	PUNCT
asfbr-1916	313	3	n.	n.	PROPN
asfbr-1916	313	4	a.	a.	NOUN
asfbr-1916	313	5	,	,	PUNCT
asfbr-1916	313	6	azib	azib	PROPN
asfbr-1916	313	7	,	,	PUNCT
asfbr-1916	313	8	n.	n.	NOUN
asfbr-1916	313	9	a.	a.	NOUN
asfbr-1916	313	10	,	,	PUNCT
asfbr-1916	313	11	amran	amran	PROPN
asfbr-1916	313	12	,	,	PUNCT
asfbr-1916	313	13	n.	n.	PROPN
asfbr-1916	313	14	a.	a.	PROPN
asfbr-1916	313	15	,	,	PUNCT
asfbr-1916	313	16	sulham	sulham	PROPN
asfbr-1916	313	17	,	,	PUNCT
asfbr-1916	313	18	n.	n.	PROPN
asfbr-1916	313	19	e.	e.	PROPN
asfbr-1916	313	20	s.	s.	PROPN
asfbr-1916	313	21	,	,	PUNCT
asfbr-1916	313	22	anuar	anuar	PROPN
asfbr-1916	313	23	,	,	PUNCT
asfbr-1916	313	24	n.	n.	PROPN
asfbr-1916	313	25	f.	f.	PROPN
asfbr-1916	313	26	f.	f.	PROPN
asfbr-1916	313	27	,	,	PUNCT
asfbr-1916	313	28	&	&	CCONJ
asfbr-1916	313	29	saidi	saidi	PROPN
asfbr-1916	313	30	,	,	PUNCT
asfbr-1916	313	31	n.	n.	PROPN
asfbr-1916	313	32	(	(	PUNCT
asfbr-1916	313	33	2016	2016	NUM
asfbr-1916	313	34	)	)	PUNCT
asfbr-1916	313	35	.	.	PUNCT
asfbr-1916	314	1	determinants	determinant	NOUN
asfbr-1916	314	2	for	for	ADP
asfbr-1916	314	3	adoption	adoption	NOUN
asfbr-1916	314	4	of	of	ADP
asfbr-1916	314	5	e	e	NOUN
asfbr-1916	314	6	-	-	NOUN
asfbr-1916	314	7	banking	banking	NOUN
asfbr-1916	314	8	among	among	ADP
asfbr-1916	314	9	bank	bank	NOUN
asfbr-1916	314	10	’s	’s	PART
asfbr-1916	314	11	customers	customer	NOUN
asfbr-1916	314	12	.	.	PUNCT
asfbr-1916	315	1	international	international	ADJ
asfbr-1916	315	2	journal	journal	PROPN
asfbr-1916	315	3	of	of	ADP
asfbr-1916	315	4	accounting	accounting	NOUN
asfbr-1916	315	5	,	,	PUNCT
asfbr-1916	315	6	finance	finance	NOUN
asfbr-1916	315	7	and	and	CCONJ
asfbr-1916	315	8	business	business	NOUN
asfbr-1916	315	9	,	,	PUNCT
asfbr-1916	315	10	1(2	1(2	NUM
asfbr-1916	315	11	)	)	PUNCT
asfbr-1916	315	12	,	,	PUNCT
asfbr-1916	315	13	37	37	NUM
asfbr-1916	315	14	-	-	SYM
asfbr-1916	315	15	44	44	NUM
asfbr-1916	315	16	.	.	PUNCT
asfbr-1916	316	1	suresh	suresh	PROPN
asfbr-1916	316	2	,	,	PUNCT
asfbr-1916	316	3	a.	a.	PROPN
asfbr-1916	316	4	,	,	PUNCT
asfbr-1916	316	5	&	&	CCONJ
asfbr-1916	316	6	rani	rani	PROPN
asfbr-1916	316	7	,	,	PUNCT
asfbr-1916	316	8	n.	n.	PROPN
asfbr-1916	316	9	j.	j.	PROPN
asfbr-1916	316	10	(	(	PUNCT
asfbr-1916	316	11	2021	2021	NUM
asfbr-1916	316	12	)	)	PUNCT
asfbr-1916	316	13	.	.	PUNCT
asfbr-1916	317	1	barriers	barrier	NOUN
asfbr-1916	317	2	and	and	CCONJ
asfbr-1916	317	3	challenges	challenge	NOUN
asfbr-1916	317	4	faced	face	VERB
asfbr-1916	317	5	by	by	ADP
asfbr-1916	317	6	consumers	consumer	NOUN
asfbr-1916	317	7	in	in	ADP
asfbr-1916	317	8	e	e	NOUN
asfbr-1916	317	9	-	-	ADJ
asfbr-1916	317	10	banking	banking	ADJ
asfbr-1916	317	11	services	service	NOUN
asfbr-1916	317	12	sector	sector	NOUN
asfbr-1916	317	13	in	in	ADP
asfbr-1916	317	14	hamzah	hamzah	PROPN
asfbr-1916	317	15	et	et	PROPN
asfbr-1916	317	16	al	al	PROPN
asfbr-1916	317	17	.	.	PROPN
asfbr-1916	317	18	,	,	PUNCT
asfbr-1916	317	19	asian	asian	PROPN
asfbr-1916	317	20	finance	finance	PROPN
asfbr-1916	317	21	&	&	CCONJ
asfbr-1916	317	22	banking	banking	PROPN
asfbr-1916	317	23	review	review	NOUN
asfbr-1916	317	24	7(1	7(1	NUM
asfbr-1916	317	25	)	)	PUNCT
asfbr-1916	317	26	(	(	PUNCT
asfbr-1916	317	27	2023	2023	NUM
asfbr-1916	317	28	)	)	PUNCT
asfbr-1916	317	29	,	,	PUNCT
asfbr-1916	317	30	1	1	NUM
asfbr-1916	317	31	-	-	SYM
asfbr-1916	317	32	9	9	NUM
asfbr-1916	317	33	9	9	NUM
asfbr-1916	317	34	india	india	PROPN
asfbr-1916	317	35	.	.	PUNCT
asfbr-1916	318	1	international	international	ADJ
asfbr-1916	318	2	journal	journal	PROPN
asfbr-1916	318	3	of	of	ADP
asfbr-1916	318	4	global	global	ADJ
asfbr-1916	318	5	business	business	NOUN
asfbr-1916	318	6	,	,	PUNCT
asfbr-1916	318	7	14(1	14(1	NUM
asfbr-1916	318	8	)	)	PUNCT
asfbr-1916	318	9	,	,	PUNCT
asfbr-1916	318	10	13	13	NUM
asfbr-1916	318	11	-	-	SYM
asfbr-1916	318	12	24	24	NUM
asfbr-1916	318	13	.	.	PUNCT
asfbr-1916	319	1	ugwuanyi	ugwuanyi	PROPN
asfbr-1916	319	2	,	,	PUNCT
asfbr-1916	319	3	c.	c.	PROPN
asfbr-1916	319	4	c.	c.	PROPN
asfbr-1916	319	5	,	,	PUNCT
asfbr-1916	319	6	uduji	uduji	PROPN
asfbr-1916	319	7	,	,	PUNCT
asfbr-1916	319	8	j.	j.	PROPN
asfbr-1916	319	9	i.	i.	PROPN
asfbr-1916	319	10	,	,	PUNCT
asfbr-1916	319	11	&	&	CCONJ
asfbr-1916	319	12	oraedu	oraedu	PROPN
asfbr-1916	319	13	,	,	PUNCT
asfbr-1916	319	14	c.	c.	NOUN
asfbr-1916	319	15	(	(	PUNCT
asfbr-1916	319	16	2021	2021	NUM
asfbr-1916	319	17	)	)	PUNCT
asfbr-1916	319	18	.	.	PUNCT
asfbr-1916	320	1	customer	customer	NOUN
asfbr-1916	320	2	experience	experience	NOUN
asfbr-1916	320	3	with	with	ADP
asfbr-1916	320	4	self	self	NOUN
asfbr-1916	320	5	-	-	PUNCT
asfbr-1916	320	6	service	service	NOUN
asfbr-1916	320	7	technologies	technology	NOUN
asfbr-1916	320	8	in	in	ADP
asfbr-1916	320	9	the	the	DET
asfbr-1916	320	10	banking	banking	NOUN
asfbr-1916	320	11	sector	sector	NOUN
asfbr-1916	320	12	:	:	PUNCT
asfbr-1916	320	13	evidence	evidence	NOUN
asfbr-1916	320	14	from	from	ADP
asfbr-1916	320	15	nigeria	nigeria	PROPN
asfbr-1916	320	16	.	.	PUNCT
asfbr-1916	321	1	international	international	ADJ
asfbr-1916	321	2	journal	journal	PROPN
asfbr-1916	321	3	of	of	ADP
asfbr-1916	321	4	business	business	NOUN
asfbr-1916	321	5	and	and	CCONJ
asfbr-1916	321	6	systems	system	NOUN
asfbr-1916	321	7	research	research	NOUN
asfbr-1916	321	8	,	,	PUNCT
asfbr-1916	321	9	15(4	15(4	NUM
asfbr-1916	321	10	)	)	PUNCT
asfbr-1916	321	11	,	,	PUNCT
asfbr-1916	321	12	405	405	NUM
asfbr-1916	321	13	-	-	SYM
asfbr-1916	321	14	425	425	NUM
asfbr-1916	321	15	.	.	PUNCT
asfbr-1916	321	16	http://dx.doi.org/10.1504/ijbsr	http://dx.doi.org/10.1504/ijbsr	NOUN
asfbr-1916	321	17	.	.	PUNCT
asfbr-1916	322	1	2021.10029513	2021.10029513	NUM
asfbr-1916	322	2	ul	ul	PROPN
asfbr-1916	322	3	haq	haq	PROPN
asfbr-1916	322	4	,	,	PUNCT
asfbr-1916	322	5	i.	i.	PROPN
asfbr-1916	322	6	,	,	PUNCT
asfbr-1916	322	7	&	&	CCONJ
asfbr-1916	322	8	awan	awan	PROPN
asfbr-1916	322	9	,	,	PUNCT
asfbr-1916	322	10	t.	t.	PROPN
asfbr-1916	322	11	m.	m.	NOUN
asfbr-1916	322	12	(	(	PUNCT
asfbr-1916	322	13	2020	2020	NUM
asfbr-1916	322	14	)	)	PUNCT
asfbr-1916	322	15	.	.	PUNCT
asfbr-1916	323	1	impact	impact	NOUN
asfbr-1916	323	2	of	of	ADP
asfbr-1916	323	3	e	e	NOUN
asfbr-1916	323	4	-	-	ADJ
asfbr-1916	323	5	banking	banking	ADJ
asfbr-1916	323	6	service	service	NOUN
asfbr-1916	323	7	quality	quality	NOUN
asfbr-1916	323	8	on	on	ADP
asfbr-1916	323	9	e	e	NOUN
asfbr-1916	323	10	-	-	NOUN
asfbr-1916	323	11	loyalty	loyalty	NOUN
asfbr-1916	323	12	in	in	ADP
asfbr-1916	323	13	pandemic	pandemic	ADJ
asfbr-1916	323	14	times	time	NOUN
asfbr-1916	323	15	through	through	ADP
asfbr-1916	323	16	interplay	interplay	NOUN
asfbr-1916	323	17	of	of	ADP
asfbr-1916	323	18	e	e	NOUN
asfbr-1916	323	19	-	-	NOUN
asfbr-1916	323	20	satisfaction	satisfaction	NOUN
asfbr-1916	323	21	.	.	PUNCT
asfbr-1916	324	1	vilakshan	vilakshan	PROPN
asfbr-1916	324	2	ximb	ximb	PROPN
asfbr-1916	324	3	journal	journal	PROPN
asfbr-1916	324	4	of	of	ADP
asfbr-1916	324	5	management	management	NOUN
asfbr-1916	324	6	,	,	PUNCT
asfbr-1916	324	7	17(1/2	17(1/2	NUM
asfbr-1916	324	8	)	)	PUNCT
asfbr-1916	324	9	,	,	PUNCT
asfbr-1916	324	10	39	39	NUM
asfbr-1916	324	11	-	-	SYM
asfbr-1916	324	12	55	55	NUM
asfbr-1916	324	13	.	.	PUNCT
asfbr-1916	325	1	https://doi.org/10.1108/xjm-07-20200039	https://doi.org/10.1108/xjm-07-20200039	NOUN
asfbr-1916	325	2	usman	usman	PROPN
asfbr-1916	325	3	,	,	PUNCT
asfbr-1916	325	4	o.	o.	PROPN
asfbr-1916	325	5	,	,	PUNCT
asfbr-1916	325	6	monoarfa	monoarfa	NOUN
asfbr-1916	325	7	,	,	PUNCT
asfbr-1916	325	8	t.	t.	PROPN
asfbr-1916	325	9	,	,	PUNCT
asfbr-1916	325	10	&	&	CCONJ
asfbr-1916	325	11	marsofiyati	marsofiyati	PROPN
asfbr-1916	325	12	,	,	PUNCT
asfbr-1916	325	13	m.	m.	NOUN
asfbr-1916	325	14	(	(	PUNCT
asfbr-1916	325	15	2020	2020	NUM
asfbr-1916	325	16	)	)	PUNCT
asfbr-1916	325	17	.	.	PUNCT
asfbr-1916	326	1	e	e	X
asfbr-1916	326	2	-	-	NOUN
asfbr-1916	326	3	banking	banking	ADJ
asfbr-1916	326	4	and	and	CCONJ
asfbr-1916	326	5	mobile	mobile	ADJ
asfbr-1916	326	6	banking	banking	NOUN
asfbr-1916	326	7	effects	effect	NOUN
asfbr-1916	326	8	on	on	ADP
asfbr-1916	326	9	customer	customer	NOUN
asfbr-1916	326	10	satisfaction	satisfaction	NOUN
asfbr-1916	326	11	.	.	PUNCT
asfbr-1916	327	1	accounting	accounting	NOUN
asfbr-1916	327	2	,	,	PUNCT
asfbr-1916	327	3	6(6	6(6	NOUN
asfbr-1916	327	4	)	)	PUNCT
asfbr-1916	327	5	,	,	PUNCT
asfbr-1916	327	6	1117	1117	NUM
asfbr-1916	327	7	-	-	SYM
asfbr-1916	327	8	1128	1128	NUM
asfbr-1916	327	9	.	.	PUNCT
asfbr-1916	328	1	publisher	publisher	NOUN
asfbr-1916	328	2	’s	’s	PART
asfbr-1916	328	3	note	note	NOUN
asfbr-1916	328	4	:	:	PUNCT
asfbr-1916	328	5	cribfb	cribfb	PROPN
asfbr-1916	328	6	stays	stay	VERB
asfbr-1916	328	7	neutral	neutral	ADJ
asfbr-1916	328	8	with	with	ADP
asfbr-1916	328	9	regard	regard	NOUN
asfbr-1916	328	10	to	to	ADP
asfbr-1916	328	11	jurisdictional	jurisdictional	ADJ
asfbr-1916	328	12	claims	claim	NOUN
asfbr-1916	328	13	in	in	ADP
asfbr-1916	328	14	published	publish	VERB
asfbr-1916	328	15	maps	map	NOUN
asfbr-1916	328	16	and	and	CCONJ
asfbr-1916	328	17	institutional	institutional	ADJ
asfbr-1916	328	18	affiliations	affiliation	NOUN
asfbr-1916	328	19	.	.	PUNCT
asfbr-1916	329	1	©	©	ADP
asfbr-1916	329	2	2023	2023	NUM
asfbr-1916	329	3	by	by	ADP
asfbr-1916	329	4	the	the	DET
asfbr-1916	329	5	authors	author	NOUN
asfbr-1916	329	6	.	.	PUNCT
asfbr-1916	330	1	licensee	licensee	PROPN
asfbr-1916	330	2	cribfb	cribfb	PROPN
asfbr-1916	330	3	,	,	PUNCT
asfbr-1916	330	4	usa	usa	PROPN
asfbr-1916	330	5	.	.	PROPN
asfbr-1916	331	1	this	this	DET
asfbr-1916	331	2	article	article	NOUN
asfbr-1916	331	3	is	be	AUX
asfbr-1916	331	4	an	an	DET
asfbr-1916	331	5	open	open	ADJ
asfbr-1916	331	6	access	access	NOUN
asfbr-1916	331	7	article	article	NOUN
asfbr-1916	331	8	distributed	distribute	VERB
asfbr-1916	331	9	under	under	ADP
asfbr-1916	331	10	the	the	DET
asfbr-1916	331	11	terms	term	NOUN
asfbr-1916	331	12	and	and	CCONJ
asfbr-1916	331	13	conditions	condition	NOUN
asfbr-1916	331	14	of	of	ADP
asfbr-1916	331	15	the	the	DET
asfbr-1916	331	16	creative	creative	ADJ
asfbr-1916	331	17	commons	common	NOUN
asfbr-1916	331	18	attribution	attribution	NOUN
asfbr-1916	331	19	(	(	PUNCT
asfbr-1916	331	20	cc	cc	NOUN
asfbr-1916	331	21	by	by	ADP
asfbr-1916	331	22	)	)	PUNCT
asfbr-1916	331	23	license	license	NOUN
asfbr-1916	331	24	(	(	PUNCT
asfbr-1916	331	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	331	26	)	)	PUNCT
asfbr-1916	331	27	.	.	PUNCT
asfbr-1916	332	1	asian	asian	PROPN
asfbr-1916	332	2	finance	finance	PROPN
asfbr-1916	332	3	&	&	CCONJ
asfbr-1916	332	4	banking	banking	PROPN
asfbr-1916	332	5	review	review	NOUN
asfbr-1916	332	6	(	(	PUNCT
asfbr-1916	332	7	p	p	NOUN
asfbr-1916	332	8	-	-	PUNCT
asfbr-1916	332	9	issn	issn	VERB
asfbr-1916	332	10	2576	2576	NUM
asfbr-1916	332	11	-	-	SYM
asfbr-1916	332	12	1161	1161	NUM
asfbr-1916	332	13	e	e	NOUN
asfbr-1916	332	14	-	-	NOUN
asfbr-1916	332	15	issn	issn	VERB
asfbr-1916	332	16	2576	2576	NUM
asfbr-1916	332	17	-	-	SYM
asfbr-1916	332	18	1188	1188	NUM
asfbr-1916	332	19	)	)	PUNCT
asfbr-1916	332	20	by	by	ADP
asfbr-1916	332	21	cribfb	cribfb	PROPN
asfbr-1916	332	22	is	be	AUX
asfbr-1916	332	23	licensed	license	VERB
asfbr-1916	332	24	under	under	ADP
asfbr-1916	332	25	a	a	DET
asfbr-1916	332	26	creative	creative	ADJ
asfbr-1916	332	27	commons	common	NOUN
asfbr-1916	332	28	attribution	attribution	NOUN
asfbr-1916	332	29	4.0	4.0	NUM
asfbr-1916	332	30	international	international	ADJ
asfbr-1916	332	31	license	license	NOUN
asfbr-1916	332	32	.	.	PUNCT
asfbr-1916	333	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	333	2	)	)	PUNCT
asfbr-1916	333	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-1916	333	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
