id	sid	tid	token	lemma	pos
asfbr-1413	1	1	asian	asian	PROPN
asfbr-1413	1	2	finance	finance	PROPN
asfbr-1413	1	3	&	&	CCONJ
asfbr-1413	1	4	banking	banking	PROPN
asfbr-1413	1	5	review	review	PROPN
asfbr-1413	1	6	vol	vol	NOUN
asfbr-1413	1	7	.	.	PROPN
asfbr-1413	1	8	5	5	NUM
asfbr-1413	1	9	,	,	PUNCT
asfbr-1413	1	10	no	no	INTJ
asfbr-1413	1	11	.	.	NOUN
asfbr-1413	1	12	1	1	NUM
asfbr-1413	1	13	;	;	PUNCT
asfbr-1413	1	14	2021	2021	NUM
asfbr-1413	1	15	issn	issn	VERB
asfbr-1413	1	16	2576	2576	NUM
asfbr-1413	1	17	-	-	SYM
asfbr-1413	1	18	1161	1161	NUM
asfbr-1413	1	19	e	e	NOUN
asfbr-1413	1	20	-	-	NOUN
asfbr-1413	1	21	issn	issn	PROPN
asfbr-1413	1	22	2576	2576	NUM
asfbr-1413	1	23	-	-	SYM
asfbr-1413	1	24	1188	1188	NUM
asfbr-1413	1	25	published	publish	VERB
asfbr-1413	1	26	by	by	ADP
asfbr-1413	1	27	cribfb	cribfb	PROPN
asfbr-1413	1	28	,	,	PUNCT
asfbr-1413	1	29	usa	usa	PROPN
asfbr-1413	1	30	30	30	NUM
asfbr-1413	1	31	impact	impact	NOUN
asfbr-1413	1	32	of	of	ADP
asfbr-1413	1	33	buyer	buyer	NOUN
asfbr-1413	1	34	’s	’s	PART
asfbr-1413	1	35	lenient	lenient	ADJ
asfbr-1413	1	36	policy	policy	NOUN
asfbr-1413	1	37	of	of	ADP
asfbr-1413	1	38	return	return	NOUN
asfbr-1413	1	39	and	and	CCONJ
asfbr-1413	1	40	trust	trust	NOUN
asfbr-1413	1	41	on	on	ADP
asfbr-1413	1	42	internet	internet	NOUN
asfbr-1413	1	43	purchase	purchase	NOUN
asfbr-1413	1	44	decision	decision	NOUN
asfbr-1413	1	45	in	in	ADP
asfbr-1413	1	46	supply	supply	NOUN
asfbr-1413	1	47	chain	chain	NOUN
asfbr-1413	1	48	sector	sector	NOUN
asfbr-1413	1	49	of	of	ADP
asfbr-1413	1	50	pakistan	pakistan	PROPN
asfbr-1413	1	51	muhammad	muhammad	PROPN
asfbr-1413	1	52	ammad	ammad	PROPN
asfbr-1413	1	53	ansari	ansari	PROPN
asfbr-1413	1	54	mba	mba	NOUN
asfbr-1413	1	55	in	in	ADP
asfbr-1413	1	56	supply	supply	NOUN
asfbr-1413	1	57	chain	chain	NOUN
asfbr-1413	1	58	management	management	PROPN
asfbr-1413	1	59	karachi	karachi	PROPN
asfbr-1413	1	60	university	university	PROPN
asfbr-1413	1	61	business	business	PROPN
asfbr-1413	1	62	school	school	PROPN
asfbr-1413	1	63	university	university	PROPN
asfbr-1413	1	64	of	of	ADP
asfbr-1413	1	65	karachi	karachi	PROPN
asfbr-1413	1	66	,	,	PUNCT
asfbr-1413	1	67	pakistan	pakistan	PROPN
asfbr-1413	1	68	e	e	NOUN
asfbr-1413	1	69	-	-	NOUN
asfbr-1413	1	70	mail	mail	NOUN
asfbr-1413	1	71	:	:	PUNCT
asfbr-1413	2	1	ammadraees@gmail.com	ammadraees@gmail.com	PROPN
asfbr-1413	2	2	dr	dr	PROPN
asfbr-1413	2	3	.	.	PROPN
asfbr-1413	2	4	sohaib	sohaib	PROPN
asfbr-1413	2	5	uz	uz	PROPN
asfbr-1413	2	6	zaman	zaman	PROPN
asfbr-1413	2	7	assistant	assistant	PROPN
asfbr-1413	2	8	professor	professor	PROPN
asfbr-1413	2	9	karachi	karachi	PROPN
asfbr-1413	2	10	university	university	PROPN
asfbr-1413	2	11	business	business	PROPN
asfbr-1413	2	12	school	school	PROPN
asfbr-1413	2	13	university	university	PROPN
asfbr-1413	2	14	of	of	ADP
asfbr-1413	2	15	karachi	karachi	PROPN
asfbr-1413	2	16	,	,	PUNCT
asfbr-1413	2	17	pakistan	pakistan	PROPN
asfbr-1413	2	18	e	e	PROPN
asfbr-1413	2	19	-	-	NOUN
asfbr-1413	2	20	mail	mail	NOUN
asfbr-1413	2	21	:	:	PUNCT
asfbr-1413	2	22	sohaibuzzaman@uok.edu.pk	sohaibuzzaman@uok.edu.pk	ADV
asfbr-1413	2	23	abstract	abstract	ADV
asfbr-1413	2	24	this	this	DET
asfbr-1413	2	25	article	article	NOUN
asfbr-1413	2	26	aims	aim	VERB
asfbr-1413	2	27	to	to	PART
asfbr-1413	2	28	investigate	investigate	VERB
asfbr-1413	2	29	the	the	DET
asfbr-1413	2	30	factors	factor	NOUN
asfbr-1413	2	31	that	that	PRON
asfbr-1413	2	32	impact	impact	VERB
asfbr-1413	2	33	the	the	DET
asfbr-1413	2	34	internet	internet	NOUN
asfbr-1413	2	35	purchase	purchase	NOUN
asfbr-1413	2	36	decision	decision	NOUN
asfbr-1413	2	37	in	in	ADP
asfbr-1413	2	38	supply	supply	NOUN
asfbr-1413	2	39	chain	chain	NOUN
asfbr-1413	2	40	sector	sector	NOUN
asfbr-1413	2	41	of	of	ADP
asfbr-1413	2	42	pakistan	pakistan	PROPN
asfbr-1413	2	43	because	because	SCONJ
asfbr-1413	2	44	our	our	PRON
asfbr-1413	2	45	mode	mode	NOUN
asfbr-1413	2	46	of	of	ADP
asfbr-1413	2	47	purchasing	purchasing	NOUN
asfbr-1413	2	48	has	have	AUX
asfbr-1413	2	49	been	be	AUX
asfbr-1413	2	50	changed	change	VERB
asfbr-1413	2	51	dramatically	dramatically	ADV
asfbr-1413	2	52	as	as	ADP
asfbr-1413	2	53	a	a	DET
asfbr-1413	2	54	result	result	NOUN
asfbr-1413	2	55	of	of	ADP
asfbr-1413	2	56	the	the	DET
asfbr-1413	2	57	internet	internet	NOUN
asfbr-1413	2	58	.	.	PUNCT
asfbr-1413	3	1	an	an	DET
asfbr-1413	3	2	increasing	increase	VERB
asfbr-1413	3	3	number	number	NOUN
asfbr-1413	3	4	of	of	ADP
asfbr-1413	3	5	individuals	individual	NOUN
asfbr-1413	3	6	prefer	prefer	VERB
asfbr-1413	3	7	online	online	ADJ
asfbr-1413	3	8	mode	mode	NOUN
asfbr-1413	3	9	of	of	ADP
asfbr-1413	3	10	shopping	shopping	NOUN
asfbr-1413	3	11	rather	rather	ADV
asfbr-1413	3	12	than	than	ADP
asfbr-1413	3	13	in	in	ADP
asfbr-1413	3	14	physical	physical	ADJ
asfbr-1413	3	15	stores	store	NOUN
asfbr-1413	3	16	.	.	PUNCT
asfbr-1413	4	1	despite	despite	SCONJ
asfbr-1413	4	2	of	of	ADP
asfbr-1413	4	3	these	these	DET
asfbr-1413	4	4	benefits	benefit	NOUN
asfbr-1413	4	5	there	there	PRON
asfbr-1413	4	6	possess	possess	VERB
asfbr-1413	4	7	some	some	DET
asfbr-1413	4	8	cons	con	NOUN
asfbr-1413	4	9	of	of	ADP
asfbr-1413	4	10	online	online	ADJ
asfbr-1413	4	11	purchasing	purchasing	NOUN
asfbr-1413	4	12	like	like	ADP
asfbr-1413	4	13	complicated	complicated	ADJ
asfbr-1413	4	14	returns	return	NOUN
asfbr-1413	4	15	,	,	PUNCT
asfbr-1413	4	16	difficult	difficult	ADJ
asfbr-1413	4	17	websites	website	NOUN
asfbr-1413	4	18	,	,	PUNCT
asfbr-1413	4	19	no	no	DET
asfbr-1413	4	20	sales	sale	NOUN
asfbr-1413	4	21	assistance	assistance	NOUN
asfbr-1413	4	22	and	and	CCONJ
asfbr-1413	4	23	lack	lack	NOUN
asfbr-1413	4	24	of	of	ADP
asfbr-1413	4	25	trust	trust	NOUN
asfbr-1413	4	26	.	.	PUNCT
asfbr-1413	5	1	in	in	ADP
asfbr-1413	5	2	this	this	DET
asfbr-1413	5	3	article	article	NOUN
asfbr-1413	5	4	,	,	PUNCT
asfbr-1413	5	5	impact	impact	NOUN
asfbr-1413	5	6	of	of	ADP
asfbr-1413	5	7	two	two	NUM
asfbr-1413	5	8	independent	independent	ADJ
asfbr-1413	5	9	variable	variable	NOUN
asfbr-1413	5	10	i.e.	i.e.	X
asfbr-1413	5	11	,	,	PUNCT
asfbr-1413	5	12	lenient	lenient	ADJ
asfbr-1413	5	13	policy	policy	NOUN
asfbr-1413	5	14	of	of	ADP
asfbr-1413	5	15	return	return	NOUN
asfbr-1413	5	16	of	of	ADP
asfbr-1413	5	17	buyer	buyer	NOUN
asfbr-1413	5	18	and	and	CCONJ
asfbr-1413	5	19	trust	trust	NOUN
asfbr-1413	5	20	of	of	ADP
asfbr-1413	5	21	buyer	buyer	NOUN
asfbr-1413	5	22	was	be	AUX
asfbr-1413	5	23	analyzed	analyze	VERB
asfbr-1413	5	24	against	against	ADP
asfbr-1413	5	25	the	the	DET
asfbr-1413	5	26	dependent	dependent	ADJ
asfbr-1413	5	27	variable	variable	ADJ
asfbr-1413	5	28	internet	internet	NOUN
asfbr-1413	5	29	decision	decision	NOUN
asfbr-1413	5	30	of	of	ADP
asfbr-1413	5	31	purchase	purchase	NOUN
asfbr-1413	5	32	.	.	PUNCT
asfbr-1413	6	1	a	a	DET
asfbr-1413	6	2	questionnaire	questionnaire	NOUN
asfbr-1413	6	3	of	of	ADP
asfbr-1413	6	4	21	21	NUM
asfbr-1413	6	5	questions	question	NOUN
asfbr-1413	6	6	was	be	AUX
asfbr-1413	6	7	prepared	prepare	VERB
asfbr-1413	6	8	.	.	PUNCT
asfbr-1413	7	1	data	datum	NOUN
asfbr-1413	7	2	of	of	ADP
asfbr-1413	7	3	100	100	NUM
asfbr-1413	7	4	respondents	respondent	NOUN
asfbr-1413	7	5	was	be	AUX
asfbr-1413	7	6	collected	collect	VERB
asfbr-1413	7	7	from	from	ADP
asfbr-1413	7	8	buyers	buyer	NOUN
asfbr-1413	7	9	of	of	ADP
asfbr-1413	7	10	karachi	karachi	PROPN
asfbr-1413	7	11	.	.	PUNCT
asfbr-1413	8	1	reliability	reliability	NOUN
asfbr-1413	8	2	analysis	analysis	NOUN
asfbr-1413	8	3	,	,	PUNCT
asfbr-1413	8	4	anova	anova	PROPN
asfbr-1413	8	5	and	and	CCONJ
asfbr-1413	8	6	regression	regression	VERB
asfbr-1413	8	7	analysis	analysis	NOUN
asfbr-1413	8	8	are	be	AUX
asfbr-1413	8	9	performed	perform	VERB
asfbr-1413	8	10	using	use	VERB
asfbr-1413	8	11	spss	spss	PROPN
asfbr-1413	8	12	tool	tool	NOUN
asfbr-1413	8	13	to	to	PART
asfbr-1413	8	14	find	find	VERB
asfbr-1413	8	15	the	the	DET
asfbr-1413	8	16	results	result	NOUN
asfbr-1413	8	17	.	.	PUNCT
asfbr-1413	9	1	study	study	NOUN
asfbr-1413	9	2	concluded	conclude	VERB
asfbr-1413	9	3	that	that	SCONJ
asfbr-1413	9	4	lenient	lenient	ADJ
asfbr-1413	9	5	policy	policy	NOUN
asfbr-1413	9	6	of	of	ADP
asfbr-1413	9	7	return	return	NOUN
asfbr-1413	9	8	of	of	ADP
asfbr-1413	9	9	buyer	buyer	NOUN
asfbr-1413	9	10	and	and	CCONJ
asfbr-1413	9	11	trust	trust	NOUN
asfbr-1413	9	12	of	of	ADP
asfbr-1413	9	13	buyer	buyer	NOUN
asfbr-1413	9	14	has	have	VERB
asfbr-1413	9	15	positive	positive	ADJ
asfbr-1413	9	16	association	association	NOUN
asfbr-1413	9	17	with	with	ADP
asfbr-1413	9	18	internet	internet	NOUN
asfbr-1413	9	19	decision	decision	NOUN
asfbr-1413	9	20	of	of	ADP
asfbr-1413	9	21	purchase	purchase	NOUN
asfbr-1413	9	22	in	in	ADP
asfbr-1413	9	23	pakistan	pakistan	PROPN
asfbr-1413	9	24	which	which	PRON
asfbr-1413	9	25	means	mean	VERB
asfbr-1413	9	26	when	when	SCONJ
asfbr-1413	9	27	buyers	buyer	NOUN
asfbr-1413	9	28	are	be	AUX
asfbr-1413	9	29	provided	provide	VERB
asfbr-1413	9	30	with	with	ADP
asfbr-1413	9	31	lenient	lenient	ADJ
asfbr-1413	9	32	policies	policy	NOUN
asfbr-1413	9	33	for	for	ADP
asfbr-1413	9	34	the	the	DET
asfbr-1413	9	35	return	return	NOUN
asfbr-1413	9	36	of	of	ADP
asfbr-1413	9	37	goods	good	NOUN
asfbr-1413	9	38	for	for	ADP
asfbr-1413	9	39	any	any	DET
asfbr-1413	9	40	reason	reason	NOUN
asfbr-1413	9	41	and	and	CCONJ
asfbr-1413	9	42	their	their	PRON
asfbr-1413	9	43	trust	trust	NOUN
asfbr-1413	9	44	in	in	ADP
asfbr-1413	9	45	seller	seller	NOUN
asfbr-1413	9	46	increases	increase	NOUN
asfbr-1413	9	47	it	it	PRON
asfbr-1413	9	48	will	will	AUX
asfbr-1413	9	49	impact	impact	VERB
asfbr-1413	9	50	the	the	DET
asfbr-1413	9	51	decision	decision	NOUN
asfbr-1413	9	52	of	of	ADP
asfbr-1413	9	53	purchase	purchase	NOUN
asfbr-1413	9	54	positively	positively	ADV
asfbr-1413	9	55	.	.	PUNCT
asfbr-1413	10	1	thus	thus	ADV
asfbr-1413	10	2	,	,	PUNCT
asfbr-1413	10	3	it	it	PRON
asfbr-1413	10	4	will	will	AUX
asfbr-1413	10	5	be	be	AUX
asfbr-1413	10	6	beneficial	beneficial	ADJ
asfbr-1413	10	7	in	in	ADP
asfbr-1413	10	8	terms	term	NOUN
asfbr-1413	10	9	of	of	ADP
asfbr-1413	10	10	chasing	chase	VERB
asfbr-1413	10	11	market	market	NOUN
asfbr-1413	10	12	competition	competition	NOUN
asfbr-1413	10	13	and	and	CCONJ
asfbr-1413	10	14	generating	generate	VERB
asfbr-1413	10	15	higher	high	ADJ
asfbr-1413	10	16	returns	return	NOUN
asfbr-1413	10	17	.	.	PUNCT
asfbr-1413	11	1	keywords	keyword	NOUN
asfbr-1413	11	2	:	:	PUNCT
asfbr-1413	11	3	lenient	lenient	ADJ
asfbr-1413	11	4	policy	policy	NOUN
asfbr-1413	11	5	of	of	ADP
asfbr-1413	11	6	returns	return	NOUN
asfbr-1413	11	7	,	,	PUNCT
asfbr-1413	11	8	customer	customer	NOUN
asfbr-1413	11	9	trust	trust	NOUN
asfbr-1413	11	10	,	,	PUNCT
asfbr-1413	11	11	internet	internet	NOUN
asfbr-1413	11	12	purchase	purchase	NOUN
asfbr-1413	11	13	decision	decision	NOUN
asfbr-1413	11	14	,	,	PUNCT
asfbr-1413	11	15	regression	regression	VERB
asfbr-1413	11	16	analysis	analysis	NOUN
asfbr-1413	11	17	,	,	PUNCT
asfbr-1413	11	18	supply	supply	NOUN
asfbr-1413	11	19	chain	chain	NOUN
asfbr-1413	11	20	sector	sector	NOUN
asfbr-1413	11	21	,	,	PUNCT
asfbr-1413	11	22	pakistan	pakistan	PROPN
asfbr-1413	11	23	.	.	PUNCT
asfbr-1413	12	1	introduction	introduction	NOUN
asfbr-1413	12	2	the	the	DET
asfbr-1413	12	3	internet	internet	NOUN
asfbr-1413	12	4	is	be	AUX
asfbr-1413	12	5	a	a	DET
asfbr-1413	12	6	significant	significant	ADJ
asfbr-1413	12	7	piece	piece	NOUN
asfbr-1413	12	8	of	of	ADP
asfbr-1413	12	9	every	every	DET
asfbr-1413	12	10	day	day	NOUN
asfbr-1413	12	11	and	and	CCONJ
asfbr-1413	12	12	week	week	NOUN
asfbr-1413	12	13	by	by	ADP
asfbr-1413	12	14	week	week	NOUN
asfbr-1413	12	15	exercises	exercise	NOUN
asfbr-1413	12	16	of	of	ADP
asfbr-1413	12	17	people	people	NOUN
asfbr-1413	12	18	approaching	approach	VERB
asfbr-1413	12	19	it	it	PRON
asfbr-1413	12	20	.	.	PUNCT
asfbr-1413	13	1	it	it	PRON
asfbr-1413	13	2	is	be	AUX
asfbr-1413	13	3	an	an	DET
asfbr-1413	13	4	entryway	entryway	NOUN
asfbr-1413	13	5	to	to	ADP
asfbr-1413	13	6	the	the	DET
asfbr-1413	13	7	universe	universe	NOUN
asfbr-1413	13	8	of	of	ADP
asfbr-1413	13	9	information	information	NOUN
asfbr-1413	13	10	.	.	PUNCT
asfbr-1413	14	1	internet	internet	NOUN
asfbr-1413	14	2	buying	buying	NOUN
asfbr-1413	14	3	and	and	CCONJ
asfbr-1413	14	4	selling	selling	NOUN
asfbr-1413	14	5	has	have	AUX
asfbr-1413	14	6	gained	gain	VERB
asfbr-1413	14	7	a	a	DET
asfbr-1413	14	8	significant	significant	ADJ
asfbr-1413	14	9	growth	growth	NOUN
asfbr-1413	14	10	in	in	ADP
asfbr-1413	14	11	pakistan	pakistan	PROPN
asfbr-1413	14	12	as	as	ADV
asfbr-1413	14	13	well	well	ADV
asfbr-1413	14	14	.	.	PUNCT
asfbr-1413	15	1	store	store	NOUN
asfbr-1413	15	2	's	's	PART
asfbr-1413	15	3	merchandise	merchandise	NOUN
asfbr-1413	15	4	exchange	exchange	NOUN
asfbr-1413	15	5	was	be	AUX
asfbr-1413	15	6	a	a	DET
asfbr-1413	15	7	significant	significant	ADJ
asfbr-1413	15	8	factor	factor	NOUN
asfbr-1413	15	9	in	in	ADP
asfbr-1413	15	10	a	a	DET
asfbr-1413	15	11	buying	buying	NOUN
asfbr-1413	15	12	choice	choice	NOUN
asfbr-1413	15	13	.	.	PUNCT
asfbr-1413	16	1	in	in	ADP
asfbr-1413	16	2	this	this	DET
asfbr-1413	16	3	way	way	NOUN
asfbr-1413	16	4	,	,	PUNCT
asfbr-1413	16	5	having	have	VERB
asfbr-1413	16	6	a	a	DET
asfbr-1413	16	7	thoroughly	thoroughly	ADV
asfbr-1413	16	8	examined	examine	VERB
asfbr-1413	16	9	merchandise	merchandise	NOUN
asfbr-1413	16	10	exchange	exchange	NOUN
asfbr-1413	16	11	policy	policy	NOUN
asfbr-1413	16	12	showed	show	VERB
asfbr-1413	16	13	in	in	ADP
asfbr-1413	16	14	your	your	PRON
asfbr-1413	16	15	store	store	NOUN
asfbr-1413	16	16	is	be	AUX
asfbr-1413	16	17	a	a	DET
asfbr-1413	16	18	critical	critical	ADJ
asfbr-1413	16	19	way	way	NOUN
asfbr-1413	16	20	to	to	PART
asfbr-1413	16	21	keep	keep	VERB
asfbr-1413	16	22	your	your	PRON
asfbr-1413	16	23	clients	client	NOUN
asfbr-1413	16	24	.	.	PUNCT
asfbr-1413	17	1	a	a	DET
asfbr-1413	17	2	merchandise	merchandise	NOUN
asfbr-1413	17	3	exchange	exchange	NOUN
asfbr-1413	17	4	is	be	AUX
asfbr-1413	17	5	acceptable	acceptable	ADJ
asfbr-1413	17	6	business	business	NOUN
asfbr-1413	17	7	for	for	ADP
asfbr-1413	17	8	physical	physical	ADJ
asfbr-1413	17	9	stores	store	NOUN
asfbr-1413	17	10	,	,	PUNCT
asfbr-1413	17	11	and	and	CCONJ
asfbr-1413	17	12	it	it	PRON
asfbr-1413	17	13	's	be	AUX
asfbr-1413	17	14	fundamental	fundamental	ADJ
asfbr-1413	17	15	to	to	ADP
asfbr-1413	17	16	working	work	VERB
asfbr-1413	17	17	together	together	ADV
asfbr-1413	17	18	on	on	ADP
asfbr-1413	17	19	the	the	DET
asfbr-1413	17	20	web	web	NOUN
asfbr-1413	17	21	too	too	ADV
asfbr-1413	17	22	.	.	PUNCT
asfbr-1413	18	1	mailto:ammadraees@gmail.com	mailto:ammadraees@gmail.com	X
asfbr-1413	19	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1413	19	2	asian	asian	PROPN
asfbr-1413	19	3	finance	finance	PROPN
asfbr-1413	19	4	&	&	CCONJ
asfbr-1413	19	5	banking	banking	PROPN
asfbr-1413	19	6	review	review	PROPN
asfbr-1413	19	7	vol	vol	NOUN
asfbr-1413	19	8	.	.	PROPN
asfbr-1413	20	1	5	5	NUM
asfbr-1413	20	2	,	,	PUNCT
asfbr-1413	20	3	no	no	INTJ
asfbr-1413	20	4	.	.	NOUN
asfbr-1413	20	5	1	1	NUM
asfbr-1413	20	6	;	;	PUNCT
asfbr-1413	20	7	2021	2021	NUM
asfbr-1413	20	8	31	31	NUM
asfbr-1413	20	9	in	in	ADP
asfbr-1413	20	10	contrast	contrast	NOUN
asfbr-1413	20	11	to	to	ADP
asfbr-1413	20	12	physical	physical	ADJ
asfbr-1413	20	13	stores	store	NOUN
asfbr-1413	20	14	,	,	PUNCT
asfbr-1413	20	15	online	online	ADJ
asfbr-1413	20	16	shoppers	shopper	NOUN
asfbr-1413	20	17	do	do	AUX
asfbr-1413	20	18	n't	not	PART
asfbr-1413	20	19	see	see	VERB
asfbr-1413	20	20	and	and	CCONJ
asfbr-1413	20	21	hold	hold	VERB
asfbr-1413	20	22	the	the	DET
asfbr-1413	20	23	actual	actual	ADJ
asfbr-1413	20	24	item	item	NOUN
asfbr-1413	20	25	before	before	SCONJ
asfbr-1413	20	26	they	they	PRON
asfbr-1413	20	27	get	get	VERB
asfbr-1413	20	28	it	it	PRON
asfbr-1413	20	29	.	.	PUNCT
asfbr-1413	21	1	so	so	ADV
asfbr-1413	21	2	,	,	PUNCT
asfbr-1413	21	3	the	the	DET
asfbr-1413	21	4	online	online	ADJ
asfbr-1413	21	5	business	business	NOUN
asfbr-1413	21	6	dealers	dealer	NOUN
asfbr-1413	21	7	should	should	AUX
asfbr-1413	21	8	guarantee	guarantee	VERB
asfbr-1413	21	9	that	that	SCONJ
asfbr-1413	21	10	merchandise	merchandise	NOUN
asfbr-1413	21	11	exchanges	exchange	NOUN
asfbr-1413	21	12	are	be	AUX
asfbr-1413	21	13	reasonable	reasonable	ADJ
asfbr-1413	21	14	and	and	CCONJ
asfbr-1413	21	15	interesting	interesting	ADJ
asfbr-1413	21	16	to	to	ADP
asfbr-1413	21	17	their	their	PRON
asfbr-1413	21	18	clients	client	NOUN
asfbr-1413	21	19	.	.	PUNCT
asfbr-1413	22	1	a	a	DET
asfbr-1413	22	2	brief	brief	ADJ
asfbr-1413	22	3	and	and	CCONJ
asfbr-1413	22	4	clear	clear	ADJ
asfbr-1413	22	5	merchandise	merchandise	NOUN
asfbr-1413	22	6	exchange	exchange	NOUN
asfbr-1413	22	7	gives	give	VERB
asfbr-1413	22	8	shoppers	shopper	NOUN
asfbr-1413	22	9	a	a	DET
asfbr-1413	22	10	sense	sense	NOUN
asfbr-1413	22	11	of	of	ADP
asfbr-1413	22	12	safety	safety	NOUN
asfbr-1413	22	13	that	that	SCONJ
asfbr-1413	22	14	what	what	PRON
asfbr-1413	22	15	they	they	PRON
asfbr-1413	22	16	are	be	AUX
asfbr-1413	22	17	purchasing	purchase	VERB
asfbr-1413	22	18	is	be	AUX
asfbr-1413	22	19	destined	destine	VERB
asfbr-1413	22	20	to	to	PART
asfbr-1413	22	21	be	be	AUX
asfbr-1413	22	22	what	what	PRON
asfbr-1413	22	23	it	it	PRON
asfbr-1413	22	24	is	be	AUX
asfbr-1413	22	25	addressed	address	VERB
asfbr-1413	22	26	to	to	PART
asfbr-1413	22	27	be	be	AUX
asfbr-1413	22	28	.	.	PUNCT
asfbr-1413	23	1	assuming	assume	VERB
asfbr-1413	23	2	a	a	DET
asfbr-1413	23	3	retailer	retailer	NOUN
asfbr-1413	23	4	does	do	AUX
asfbr-1413	23	5	n't	not	PART
asfbr-1413	23	6	give	give	VERB
asfbr-1413	23	7	this	this	DET
asfbr-1413	23	8	assurance	assurance	NOUN
asfbr-1413	23	9	;	;	PUNCT
asfbr-1413	23	10	shoppers	shopper	NOUN
asfbr-1413	23	11	frequently	frequently	ADV
asfbr-1413	23	12	become	become	VERB
asfbr-1413	23	13	dubious	dubious	ADJ
asfbr-1413	23	14	and	and	CCONJ
asfbr-1413	23	15	try	try	VERB
asfbr-1413	23	16	not	not	PART
asfbr-1413	23	17	to	to	PART
asfbr-1413	23	18	purchase	purchase	VERB
asfbr-1413	23	19	the	the	DET
asfbr-1413	23	20	item	item	NOUN
asfbr-1413	23	21	.	.	PUNCT
asfbr-1413	24	1	many	many	ADJ
asfbr-1413	24	2	merchandise	merchandise	NOUN
asfbr-1413	24	3	exchanges	exchange	NOUN
asfbr-1413	24	4	have	have	VERB
asfbr-1413	24	5	restrictive	restrictive	ADJ
asfbr-1413	24	6	arrangements	arrangement	NOUN
asfbr-1413	24	7	which	which	PRON
asfbr-1413	24	8	may	may	AUX
asfbr-1413	24	9	become	become	VERB
asfbr-1413	24	10	barrier	barrier	NOUN
asfbr-1413	24	11	in	in	ADP
asfbr-1413	24	12	internet	internet	NOUN
asfbr-1413	24	13	decision	decision	NOUN
asfbr-1413	24	14	of	of	ADP
asfbr-1413	24	15	purchase	purchase	NOUN
asfbr-1413	24	16	.	.	PUNCT
asfbr-1413	25	1	client	client	NOUN
asfbr-1413	25	2	trust	trust	PROPN
asfbr-1413	25	3	is	be	AUX
asfbr-1413	25	4	a	a	DET
asfbr-1413	25	5	proportional	proportional	ADJ
asfbr-1413	25	6	conduct	conduct	NOUN
asfbr-1413	25	7	to	to	ADP
asfbr-1413	25	8	what	what	PRON
asfbr-1413	25	9	they	they	PRON
asfbr-1413	25	10	get	get	VERB
asfbr-1413	25	11	.	.	PUNCT
asfbr-1413	26	1	trust	trust	NOUN
asfbr-1413	26	2	comes	come	VERB
asfbr-1413	26	3	when	when	SCONJ
asfbr-1413	26	4	you	you	PRON
asfbr-1413	26	5	comprehend	comprehend	VERB
asfbr-1413	26	6	your	your	PRON
asfbr-1413	26	7	client	client	NOUN
asfbr-1413	26	8	's	's	PART
asfbr-1413	26	9	necessities	necessity	NOUN
asfbr-1413	26	10	,	,	PUNCT
asfbr-1413	26	11	regard	regard	VERB
asfbr-1413	26	12	them	they	PRON
asfbr-1413	26	13	,	,	PUNCT
asfbr-1413	26	14	and	and	CCONJ
asfbr-1413	26	15	proposition	proposition	VERB
asfbr-1413	26	16	important	important	ADJ
asfbr-1413	26	17	assistance	assistance	NOUN
asfbr-1413	26	18	.	.	PUNCT
asfbr-1413	27	1	acquiring	acquire	VERB
asfbr-1413	27	2	client	client	NOUN
asfbr-1413	27	3	's	's	PART
asfbr-1413	27	4	trust	trust	NOUN
asfbr-1413	27	5	is	be	AUX
asfbr-1413	27	6	significant	significant	ADJ
asfbr-1413	27	7	not	not	PART
asfbr-1413	27	8	exclusively	exclusively	ADV
asfbr-1413	27	9	to	to	PART
asfbr-1413	27	10	make	make	VERB
asfbr-1413	27	11	them	they	PRON
asfbr-1413	27	12	faithful	faithful	ADJ
asfbr-1413	27	13	and	and	CCONJ
asfbr-1413	27	14	return	return	VERB
asfbr-1413	27	15	,	,	PUNCT
asfbr-1413	27	16	yet	yet	CCONJ
asfbr-1413	27	17	in	in	ADP
asfbr-1413	27	18	addition	addition	NOUN
asfbr-1413	27	19	so	so	SCONJ
asfbr-1413	27	20	they	they	PRON
asfbr-1413	27	21	demand	demand	VERB
asfbr-1413	27	22	their	their	PRON
asfbr-1413	27	23	companions	companion	NOUN
asfbr-1413	27	24	work	work	VERB
asfbr-1413	27	25	with	with	ADP
asfbr-1413	27	26	you	you	PRON
asfbr-1413	27	27	as	as	ADV
asfbr-1413	27	28	well	well	ADV
asfbr-1413	27	29	.	.	PUNCT
asfbr-1413	28	1	trust	trust	NOUN
asfbr-1413	28	2	is	be	AUX
asfbr-1413	28	3	an	an	DET
asfbr-1413	28	4	administration	administration	NOUN
asfbr-1413	28	5	system	system	NOUN
asfbr-1413	28	6	seeing	see	VERB
asfbr-1413	28	7	someone	someone	PRON
asfbr-1413	28	8	concerning	concern	VERB
asfbr-1413	28	9	trades	trade	NOUN
asfbr-1413	28	10	.	.	PUNCT
asfbr-1413	29	1	it	it	PRON
asfbr-1413	29	2	is	be	AUX
asfbr-1413	29	3	portrayed	portray	VERB
asfbr-1413	29	4	by	by	ADP
asfbr-1413	29	5	vulnerability	vulnerability	NOUN
asfbr-1413	29	6	,	,	PUNCT
asfbr-1413	29	7	weakness	weakness	NOUN
asfbr-1413	29	8	or	or	CCONJ
asfbr-1413	29	9	reliance	reliance	NOUN
asfbr-1413	29	10	grazioli	grazioli	PROPN
asfbr-1413	29	11	and	and	CCONJ
asfbr-1413	29	12	jarvenpaa	jarvenpaa	PROPN
asfbr-1413	29	13	(	(	PUNCT
asfbr-1413	29	14	2003	2003	NUM
asfbr-1413	29	15	)	)	PUNCT
asfbr-1413	29	16	.	.	PUNCT
asfbr-1413	30	1	in	in	ADP
asfbr-1413	30	2	early	early	ADJ
asfbr-1413	30	3	explores	explore	NOUN
asfbr-1413	30	4	,	,	PUNCT
asfbr-1413	30	5	scarcely	scarcely	ADV
asfbr-1413	30	6	any	any	DET
asfbr-1413	30	7	variables	variable	NOUN
asfbr-1413	30	8	have	have	AUX
asfbr-1413	30	9	been	be	AUX
asfbr-1413	30	10	perceived	perceive	VERB
asfbr-1413	30	11	to	to	PART
asfbr-1413	30	12	impact	impact	VERB
asfbr-1413	30	13	internet	internet	NOUN
asfbr-1413	30	14	shopping	shopping	NOUN
asfbr-1413	30	15	practices	practice	NOUN
asfbr-1413	30	16	with	with	ADP
asfbr-1413	30	17	the	the	DET
asfbr-1413	30	18	assistance	assistance	NOUN
asfbr-1413	30	19	of	of	ADP
asfbr-1413	30	20	brought	bring	VERB
asfbr-1413	30	21	together	together	ADV
asfbr-1413	30	22	buyer	buyer	NOUN
asfbr-1413	30	23	situated	situate	VERB
asfbr-1413	30	24	exploration	exploration	NOUN
asfbr-1413	30	25	model	model	NOUN
asfbr-1413	30	26	.	.	PUNCT
asfbr-1413	31	1	the	the	DET
asfbr-1413	31	2	significant	significant	ADJ
asfbr-1413	31	3	forerunners	forerunner	NOUN
asfbr-1413	31	4	to	to	ADP
asfbr-1413	31	5	online	online	NOUN
asfbr-1413	31	6	shopper	shopper	NOUN
asfbr-1413	31	7	conduct	conduct	NOUN
asfbr-1413	31	8	were	be	AUX
asfbr-1413	31	9	taken	take	VERB
asfbr-1413	31	10	to	to	PART
asfbr-1413	31	11	be	be	AUX
asfbr-1413	31	12	earlier	early	ADJ
asfbr-1413	31	13	web	web	NOUN
asfbr-1413	31	14	-	-	PUNCT
asfbr-1413	31	15	based	base	VERB
asfbr-1413	31	16	shopping	shopping	NOUN
asfbr-1413	31	17	experience	experience	NOUN
asfbr-1413	31	18	and	and	CCONJ
asfbr-1413	31	19	trust	trust	NOUN
asfbr-1413	31	20	.	.	PUNCT
asfbr-1413	32	1	grazioli	grazioli	PROPN
asfbr-1413	32	2	and	and	CCONJ
asfbr-1413	32	3	jarvenpaa	jarvenpaa	PROPN
asfbr-1413	32	4	(	(	PUNCT
asfbr-1413	32	5	2003	2003	NUM
asfbr-1413	32	6	)	)	PUNCT
asfbr-1413	32	7	upheld	uphold	VERB
asfbr-1413	32	8	that	that	DET
asfbr-1413	32	9	client	client	NOUN
asfbr-1413	32	10	do	do	AUX
asfbr-1413	32	11	n't	not	PART
asfbr-1413	32	12	take	take	VERB
asfbr-1413	32	13	part	part	NOUN
asfbr-1413	32	14	in	in	ADP
asfbr-1413	32	15	web	web	NOUN
asfbr-1413	32	16	-	-	PUNCT
asfbr-1413	32	17	based	base	VERB
asfbr-1413	32	18	shopping	shopping	NOUN
asfbr-1413	32	19	because	because	SCONJ
asfbr-1413	32	20	of	of	ADP
asfbr-1413	32	21	absence	absence	NOUN
asfbr-1413	32	22	of	of	ADP
asfbr-1413	32	23	trust	trust	NOUN
asfbr-1413	32	24	.	.	PUNCT
asfbr-1413	33	1	a	a	DET
asfbr-1413	33	2	customer	customer	NOUN
asfbr-1413	33	3	's	's	PART
asfbr-1413	33	4	propensity	propensity	NOUN
asfbr-1413	33	5	to	to	PART
asfbr-1413	33	6	acquire	acquire	VERB
asfbr-1413	33	7	a	a	DET
asfbr-1413	33	8	certain	certain	ADJ
asfbr-1413	33	9	product	product	NOUN
asfbr-1413	33	10	or	or	CCONJ
asfbr-1413	33	11	service	service	NOUN
asfbr-1413	33	12	is	be	AUX
asfbr-1413	33	13	referred	refer	VERB
asfbr-1413	33	14	to	to	ADP
asfbr-1413	33	15	as	as	ADP
asfbr-1413	33	16	purchase	purchase	NOUN
asfbr-1413	33	17	intention	intention	NOUN
asfbr-1413	33	18	.	.	PUNCT
asfbr-1413	34	1	purchase	purchase	NOUN
asfbr-1413	34	2	intentions	intention	NOUN
asfbr-1413	34	3	are	be	AUX
asfbr-1413	34	4	a	a	DET
asfbr-1413	34	5	measure	measure	NOUN
asfbr-1413	34	6	of	of	ADP
asfbr-1413	34	7	a	a	DET
asfbr-1413	34	8	respondent	respondent	NOUN
asfbr-1413	34	9	's	's	PART
asfbr-1413	34	10	willingness	willingness	NOUN
asfbr-1413	34	11	to	to	PART
asfbr-1413	34	12	buy	buy	VERB
asfbr-1413	34	13	something	something	PRON
asfbr-1413	34	14	or	or	CCONJ
asfbr-1413	34	15	use	use	VERB
asfbr-1413	34	16	a	a	DET
asfbr-1413	34	17	service	service	NOUN
asfbr-1413	34	18	.	.	PUNCT
asfbr-1413	35	1	the	the	DET
asfbr-1413	35	2	factors	factor	NOUN
asfbr-1413	35	3	studied	study	VERB
asfbr-1413	35	4	in	in	ADP
asfbr-1413	35	5	this	this	DET
asfbr-1413	35	6	research	research	NOUN
asfbr-1413	35	7	are	be	AUX
asfbr-1413	35	8	lenient	lenient	ADJ
asfbr-1413	35	9	policy	policy	NOUN
asfbr-1413	35	10	of	of	ADP
asfbr-1413	35	11	return	return	NOUN
asfbr-1413	35	12	of	of	ADP
asfbr-1413	35	13	buyer	buyer	NOUN
asfbr-1413	35	14	and	and	CCONJ
asfbr-1413	35	15	trust	trust	NOUN
asfbr-1413	35	16	of	of	ADP
asfbr-1413	35	17	buyer	buyer	NOUN
asfbr-1413	35	18	with	with	ADP
asfbr-1413	35	19	internet	internet	NOUN
asfbr-1413	35	20	decision	decision	NOUN
asfbr-1413	35	21	of	of	ADP
asfbr-1413	35	22	purchase	purchase	NOUN
asfbr-1413	35	23	.	.	PUNCT
asfbr-1413	36	1	literature	literature	NOUN
asfbr-1413	36	2	review	review	VERB
asfbr-1413	36	3	the	the	DET
asfbr-1413	36	4	impact	impact	NOUN
asfbr-1413	36	5	of	of	ADP
asfbr-1413	36	6	lenient	lenient	ADJ
asfbr-1413	36	7	return	return	NOUN
asfbr-1413	36	8	policies	policy	NOUN
asfbr-1413	36	9	on	on	ADP
asfbr-1413	36	10	product	product	NOUN
asfbr-1413	36	11	purchase	purchase	NOUN
asfbr-1413	36	12	decisions	decision	NOUN
asfbr-1413	36	13	and	and	CCONJ
asfbr-1413	36	14	subsequent	subsequent	ADJ
asfbr-1413	36	15	returns	return	NOUN
asfbr-1413	36	16	is	be	AUX
asfbr-1413	36	17	investigated	investigate	VERB
asfbr-1413	36	18	in	in	ADP
asfbr-1413	36	19	the	the	DET
asfbr-1413	36	20	study	study	NOUN
asfbr-1413	36	21	by	by	ADP
asfbr-1413	36	22	petersen	petersen	PROPN
asfbr-1413	36	23	and	and	CCONJ
asfbr-1413	36	24	kumar	kumar	PROPN
asfbr-1413	36	25	(	(	PUNCT
asfbr-1413	36	26	2010	2010	NUM
asfbr-1413	36	27	)	)	PUNCT
asfbr-1413	36	28	.	.	PUNCT
asfbr-1413	37	1	he	he	PRON
asfbr-1413	37	2	discovered	discover	VERB
asfbr-1413	37	3	that	that	SCONJ
asfbr-1413	37	4	lenient	lenient	ADJ
asfbr-1413	37	5	return	return	NOUN
asfbr-1413	37	6	policies	policy	NOUN
asfbr-1413	37	7	are	be	AUX
asfbr-1413	37	8	linked	link	VERB
asfbr-1413	37	9	to	to	ADP
asfbr-1413	37	10	greater	great	ADJ
asfbr-1413	37	11	purchase	purchase	NOUN
asfbr-1413	37	12	and	and	CCONJ
asfbr-1413	37	13	also	also	ADV
asfbr-1413	37	14	greater	great	ADJ
asfbr-1413	37	15	return	return	NOUN
asfbr-1413	37	16	rates	rate	NOUN
asfbr-1413	37	17	.	.	PUNCT
asfbr-1413	38	1	lenient	lenient	ADJ
asfbr-1413	38	2	return	return	NOUN
asfbr-1413	38	3	policies	policy	NOUN
asfbr-1413	38	4	,	,	PUNCT
asfbr-1413	38	5	according	accord	VERB
asfbr-1413	38	6	to	to	ADP
asfbr-1413	38	7	wood	wood	NOUN
asfbr-1413	38	8	(	(	PUNCT
asfbr-1413	38	9	2001	2001	NUM
asfbr-1413	38	10	)	)	PUNCT
asfbr-1413	38	11	and	and	CCONJ
asfbr-1413	38	12	wang	wang	PROPN
asfbr-1413	38	13	(	(	PUNCT
asfbr-1413	38	14	2009	2009	NUM
asfbr-1413	38	15	)	)	PUNCT
asfbr-1413	38	16	,	,	PUNCT
asfbr-1413	38	17	boost	boost	VERB
asfbr-1413	38	18	purchasing	purchase	VERB
asfbr-1413	38	19	without	without	ADP
asfbr-1413	38	20	increasing	increase	VERB
asfbr-1413	38	21	returns	return	NOUN
asfbr-1413	38	22	.	.	PUNCT
asfbr-1413	39	1	when	when	SCONJ
asfbr-1413	39	2	compared	compare	VERB
asfbr-1413	39	3	to	to	ADP
asfbr-1413	39	4	the	the	DET
asfbr-1413	39	5	restricted	restricted	ADJ
asfbr-1413	39	6	return	return	NOUN
asfbr-1413	39	7	policy	policy	NOUN
asfbr-1413	39	8	,	,	PUNCT
asfbr-1413	39	9	the	the	DET
asfbr-1413	39	10	lenient	lenient	ADJ
asfbr-1413	39	11	return	return	NOUN
asfbr-1413	39	12	policy	policy	NOUN
asfbr-1413	39	13	increased	increase	VERB
asfbr-1413	39	14	buying	buying	NOUN
asfbr-1413	39	15	but	but	CCONJ
asfbr-1413	39	16	did	do	AUX
asfbr-1413	39	17	not	not	PART
asfbr-1413	39	18	result	result	VERB
asfbr-1413	39	19	in	in	ADP
asfbr-1413	39	20	higher	high	ADJ
asfbr-1413	39	21	return	return	NOUN
asfbr-1413	39	22	rates	rate	NOUN
asfbr-1413	39	23	as	as	ADP
asfbr-1413	39	24	per	per	ADP
asfbr-1413	39	25	wood	wood	NOUN
asfbr-1413	39	26	(	(	PUNCT
asfbr-1413	39	27	2001	2001	NUM
asfbr-1413	39	28	)	)	PUNCT
asfbr-1413	39	29	.	.	PUNCT
asfbr-1413	40	1	similar	similar	ADJ
asfbr-1413	40	2	results	result	NOUN
asfbr-1413	40	3	were	be	AUX
asfbr-1413	40	4	reported	report	VERB
asfbr-1413	40	5	by	by	ADP
asfbr-1413	40	6	wang	wang	PROPN
asfbr-1413	40	7	(	(	PUNCT
asfbr-1413	40	8	2009	2009	NUM
asfbr-1413	40	9	)	)	PUNCT
asfbr-1413	40	10	,	,	PUNCT
asfbr-1413	40	11	who	who	PRON
asfbr-1413	40	12	discovered	discover	VERB
asfbr-1413	40	13	that	that	SCONJ
asfbr-1413	40	14	lenient	lenient	ADJ
asfbr-1413	40	15	return	return	NOUN
asfbr-1413	40	16	policies	policy	NOUN
asfbr-1413	40	17	boosted	boost	VERB
asfbr-1413	40	18	initial	initial	ADJ
asfbr-1413	40	19	purchase	purchase	NOUN
asfbr-1413	40	20	decision	decision	NOUN
asfbr-1413	40	21	but	but	CCONJ
asfbr-1413	40	22	not	not	PART
asfbr-1413	40	23	return	return	VERB
asfbr-1413	40	24	rate	rate	NOUN
asfbr-1413	40	25	.	.	PUNCT
asfbr-1413	41	1	janakiraman	janakiraman	NOUN
asfbr-1413	41	2	et	et	PROPN
asfbr-1413	41	3	al	al	PROPN
asfbr-1413	41	4	.	.	PROPN
asfbr-1413	42	1	(	(	PUNCT
asfbr-1413	42	2	2015	2015	NUM
asfbr-1413	42	3	)	)	PUNCT
asfbr-1413	42	4	discover	discover	VERB
asfbr-1413	42	5	that	that	PRON
asfbr-1413	42	6	return	return	NOUN
asfbr-1413	42	7	leniency	leniency	NOUN
asfbr-1413	42	8	has	have	VERB
asfbr-1413	42	9	a	a	DET
asfbr-1413	42	10	direct	direct	ADJ
asfbr-1413	42	11	beneficial	beneficial	ADJ
asfbr-1413	42	12	impact	impact	NOUN
asfbr-1413	42	13	on	on	ADP
asfbr-1413	42	14	purchase	purchase	NOUN
asfbr-1413	42	15	and	and	CCONJ
asfbr-1413	42	16	return	return	NOUN
asfbr-1413	42	17	behaviors	behavior	NOUN
asfbr-1413	42	18	.	.	PUNCT
asfbr-1413	43	1	the	the	DET
asfbr-1413	43	2	mediating	mediating	NOUN
asfbr-1413	43	3	processes	process	NOUN
asfbr-1413	43	4	that	that	PRON
asfbr-1413	43	5	explain	explain	VERB
asfbr-1413	43	6	how	how	SCONJ
asfbr-1413	43	7	returns	return	NOUN
asfbr-1413	43	8	interpret	interpret	VERB
asfbr-1413	43	9	to	to	PART
asfbr-1413	43	10	purchase	purchase	VERB
asfbr-1413	43	11	intentions	intention	NOUN
asfbr-1413	43	12	,	,	PUNCT
asfbr-1413	43	13	however	however	ADV
asfbr-1413	43	14	,	,	PUNCT
asfbr-1413	43	15	are	be	AUX
asfbr-1413	43	16	less	less	ADV
asfbr-1413	43	17	well	well	ADV
asfbr-1413	43	18	understood	understand	VERB
asfbr-1413	43	19	,	,	PUNCT
asfbr-1413	43	20	according	accord	VERB
asfbr-1413	43	21	to	to	ADP
asfbr-1413	43	22	their	their	PRON
asfbr-1413	43	23	meta	meta	ADJ
asfbr-1413	43	24	-	-	PUNCT
asfbr-1413	43	25	analysis	analysis	NOUN
asfbr-1413	43	26	.	.	PUNCT
asfbr-1413	44	1	a	a	DET
asfbr-1413	44	2	clear	clear	ADJ
asfbr-1413	44	3	and	and	CCONJ
asfbr-1413	44	4	acceptable	acceptable	ADJ
asfbr-1413	44	5	return	return	NOUN
asfbr-1413	44	6	policy	policy	NOUN
asfbr-1413	44	7	,	,	PUNCT
asfbr-1413	44	8	according	accord	VERB
asfbr-1413	44	9	to	to	ADP
asfbr-1413	44	10	rogers	rogers	PROPN
asfbr-1413	44	11	and	and	CCONJ
asfbr-1413	44	12	tibben	tibben	PROPN
asfbr-1413	44	13	-	-	PUNCT
asfbr-1413	44	14	lemke	lemke	PROPN
asfbr-1413	44	15	(	(	PUNCT
asfbr-1413	44	16	2001	2001	NUM
asfbr-1413	44	17	)	)	PUNCT
asfbr-1413	44	18	,	,	PUNCT
asfbr-1413	44	19	is	be	AUX
asfbr-1413	44	20	one	one	NUM
asfbr-1413	44	21	of	of	ADP
asfbr-1413	44	22	the	the	DET
asfbr-1413	44	23	most	most	ADV
asfbr-1413	44	24	essential	essential	ADJ
asfbr-1413	44	25	instruments	instrument	NOUN
asfbr-1413	44	26	for	for	ADP
asfbr-1413	44	27	attracting	attract	VERB
asfbr-1413	44	28	consumers	consumer	NOUN
asfbr-1413	44	29	.	.	PUNCT
asfbr-1413	45	1	consumers	consumer	NOUN
asfbr-1413	45	2	who	who	PRON
asfbr-1413	45	3	have	have	AUX
asfbr-1413	45	4	made	make	VERB
asfbr-1413	45	5	purchases	purchase	NOUN
asfbr-1413	45	6	from	from	ADP
asfbr-1413	45	7	an	an	DET
asfbr-1413	45	8	online	online	ADJ
asfbr-1413	45	9	vendor	vendor	NOUN
asfbr-1413	45	10	in	in	ADP
asfbr-1413	45	11	the	the	DET
asfbr-1413	45	12	presence	presence	NOUN
asfbr-1413	45	13	of	of	ADP
asfbr-1413	45	14	a	a	DET
asfbr-1413	45	15	product	product	NOUN
asfbr-1413	45	16	return	return	NOUN
asfbr-1413	45	17	(	(	PUNCT
asfbr-1413	45	18	returned	return	VERB
asfbr-1413	45	19	experienced	experienced	ADJ
asfbr-1413	45	20	customers	customer	NOUN
asfbr-1413	45	21	)	)	PUNCT
asfbr-1413	45	22	,	,	PUNCT
asfbr-1413	45	23	according	accord	VERB
asfbr-1413	45	24	to	to	ADP
asfbr-1413	45	25	qureshi	qureshi	PROPN
asfbr-1413	45	26	et	et	PROPN
asfbr-1413	45	27	al	al	PROPN
asfbr-1413	45	28	.	.	PROPN
asfbr-1413	46	1	(	(	PUNCT
asfbr-1413	46	2	2009	2009	NUM
asfbr-1413	46	3	)	)	PUNCT
asfbr-1413	46	4	,	,	PUNCT
asfbr-1413	46	5	would	would	AUX
asfbr-1413	46	6	repurchase	repurchase	VERB
asfbr-1413	46	7	from	from	ADP
asfbr-1413	46	8	such	such	ADJ
asfbr-1413	46	9	vendors	vendor	NOUN
asfbr-1413	46	10	.	.	PUNCT
asfbr-1413	47	1	when	when	SCONJ
asfbr-1413	47	2	it	it	PRON
asfbr-1413	47	3	comes	come	VERB
asfbr-1413	47	4	to	to	ADP
asfbr-1413	47	5	internet	internet	NOUN
asfbr-1413	47	6	shopping	shopping	NOUN
asfbr-1413	47	7	,	,	PUNCT
asfbr-1413	47	8	trust	trust	NOUN
asfbr-1413	47	9	is	be	AUX
asfbr-1413	47	10	crucial	crucial	ADJ
asfbr-1413	47	11	.	.	PUNCT
asfbr-1413	48	1	consumers	consumer	NOUN
asfbr-1413	48	2	can	can	AUX
asfbr-1413	48	3	not	not	PART
asfbr-1413	48	4	personally	personally	ADV
asfbr-1413	48	5	verify	verify	VERB
asfbr-1413	48	6	the	the	DET
asfbr-1413	48	7	goods	good	NOUN
asfbr-1413	48	8	,	,	PUNCT
asfbr-1413	48	9	which	which	PRON
asfbr-1413	48	10	lead	lead	VERB
asfbr-1413	48	11	to	to	PART
asfbr-1413	48	12	trust	trust	VERB
asfbr-1413	48	13	difficulties	difficulty	NOUN
asfbr-1413	48	14	in	in	ADP
asfbr-1413	48	15	internet	internet	NOUN
asfbr-1413	48	16	purchases	purchase	NOUN
asfbr-1413	48	17	.	.	PUNCT
asfbr-1413	49	1	consumer	consumer	NOUN
asfbr-1413	49	2	trust	trust	NOUN
asfbr-1413	49	3	increases	increase	VERB
asfbr-1413	49	4	online	online	ADJ
asfbr-1413	49	5	purchasing	purchasing	NOUN
asfbr-1413	49	6	decisions	decision	NOUN
asfbr-1413	49	7	significantly	significantly	ADV
asfbr-1413	49	8	accordingly	accordingly	ADV
asfbr-1413	49	9	mahliza	mahliza	PROPN
asfbr-1413	49	10	,	,	PUNCT
asfbr-1413	49	11	febrina	febrina	PROPN
asfbr-1413	49	12	.	.	PUNCT
asfbr-1413	50	1	(	(	PUNCT
asfbr-1413	50	2	2020	2020	NUM
asfbr-1413	50	3	)	)	PUNCT
asfbr-1413	50	4	.	.	PUNCT
asfbr-1413	51	1	problem	problem	NOUN
asfbr-1413	51	2	statement	statement	NOUN
asfbr-1413	51	3	as	as	ADP
asfbr-1413	51	4	per	per	ADP
asfbr-1413	51	5	the	the	DET
asfbr-1413	51	6	preceding	precede	VERB
asfbr-1413	51	7	literature	literature	NOUN
asfbr-1413	51	8	available	available	ADJ
asfbr-1413	51	9	it	it	PRON
asfbr-1413	51	10	is	be	AUX
asfbr-1413	51	11	clear	clear	ADJ
asfbr-1413	51	12	that	that	SCONJ
asfbr-1413	51	13	return	return	VERB
asfbr-1413	51	14	policy	policy	NOUN
asfbr-1413	51	15	and	and	CCONJ
asfbr-1413	51	16	customer	customer	NOUN
asfbr-1413	51	17	trust	trust	NOUN
asfbr-1413	51	18	are	be	AUX
asfbr-1413	51	19	severe	severe	ADJ
asfbr-1413	51	20	points	point	NOUN
asfbr-1413	51	21	of	of	ADP
asfbr-1413	51	22	concerns	concern	NOUN
asfbr-1413	51	23	for	for	ADP
asfbr-1413	51	24	seller	seller	NOUN
asfbr-1413	51	25	.	.	PUNCT
asfbr-1413	52	1	due	due	ADP
asfbr-1413	52	2	to	to	ADP
asfbr-1413	52	3	great	great	ADJ
asfbr-1413	52	4	competition	competition	NOUN
asfbr-1413	52	5	,	,	PUNCT
asfbr-1413	52	6	it	it	PRON
asfbr-1413	52	7	is	be	AUX
asfbr-1413	52	8	very	very	ADV
asfbr-1413	52	9	difficult	difficult	ADJ
asfbr-1413	52	10	to	to	PART
asfbr-1413	52	11	retain	retain	VERB
asfbr-1413	52	12	customer	customer	NOUN
asfbr-1413	52	13	which	which	PRON
asfbr-1413	52	14	can	can	AUX
asfbr-1413	52	15	be	be	AUX
asfbr-1413	52	16	only	only	ADV
asfbr-1413	52	17	possible	possible	ADJ
asfbr-1413	52	18	by	by	ADP
asfbr-1413	52	19	providing	provide	VERB
asfbr-1413	52	20	beneficial	beneficial	ADJ
asfbr-1413	52	21	service	service	NOUN
asfbr-1413	52	22	like	like	ADP
asfbr-1413	52	23	good	good	ADJ
asfbr-1413	52	24	return	return	NOUN
asfbr-1413	52	25	policy	policy	NOUN
asfbr-1413	52	26	so	so	SCONJ
asfbr-1413	52	27	this	this	PRON
asfbr-1413	52	28	will	will	AUX
asfbr-1413	52	29	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-1413	52	30	asian	asian	ADJ
asfbr-1413	52	31	finance	finance	PROPN
asfbr-1413	52	32	&	&	CCONJ
asfbr-1413	52	33	banking	banking	PROPN
asfbr-1413	52	34	review	review	PROPN
asfbr-1413	52	35	vol	vol	NOUN
asfbr-1413	52	36	.	.	PROPN
asfbr-1413	53	1	5	5	NUM
asfbr-1413	53	2	,	,	PUNCT
asfbr-1413	53	3	no	no	INTJ
asfbr-1413	53	4	.	.	NOUN
asfbr-1413	53	5	1	1	NUM
asfbr-1413	53	6	;	;	PUNCT
asfbr-1413	53	7	2021	2021	NUM
asfbr-1413	53	8	32	32	NUM
asfbr-1413	53	9	simultaneously	simultaneously	ADV
asfbr-1413	53	10	develop	develop	VERB
asfbr-1413	53	11	customer	customer	NOUN
asfbr-1413	53	12	trust	trust	NOUN
asfbr-1413	53	13	in	in	ADP
asfbr-1413	53	14	us	we	PRON
asfbr-1413	53	15	.	.	PUNCT
asfbr-1413	54	1	this	this	PRON
asfbr-1413	54	2	will	will	AUX
asfbr-1413	54	3	lead	lead	VERB
asfbr-1413	54	4	to	to	ADP
asfbr-1413	54	5	greater	great	ADJ
asfbr-1413	54	6	return	return	NOUN
asfbr-1413	54	7	and	and	CCONJ
asfbr-1413	54	8	customer	customer	NOUN
asfbr-1413	54	9	will	will	AUX
asfbr-1413	54	10	come	come	VERB
asfbr-1413	54	11	again	again	ADV
asfbr-1413	54	12	for	for	ADP
asfbr-1413	54	13	repurchase	repurchase	NOUN
asfbr-1413	54	14	.	.	PUNCT
asfbr-1413	55	1	research	research	NOUN
asfbr-1413	55	2	objective	objective	ADJ
asfbr-1413	55	3	research	research	NOUN
asfbr-1413	55	4	objective	objective	NOUN
asfbr-1413	55	5	is	be	AUX
asfbr-1413	55	6	to	to	PART
asfbr-1413	55	7	find	find	VERB
asfbr-1413	55	8	if	if	SCONJ
asfbr-1413	55	9	there	there	PRON
asfbr-1413	55	10	is	be	VERB
asfbr-1413	55	11	positive	positive	ADJ
asfbr-1413	55	12	association	association	NOUN
asfbr-1413	55	13	among	among	ADP
asfbr-1413	55	14	of	of	ADP
asfbr-1413	55	15	lenient	lenient	ADJ
asfbr-1413	55	16	policy	policy	NOUN
asfbr-1413	55	17	of	of	ADP
asfbr-1413	55	18	return	return	NOUN
asfbr-1413	55	19	of	of	ADP
asfbr-1413	55	20	buyer	buyer	NOUN
asfbr-1413	55	21	and	and	CCONJ
asfbr-1413	55	22	trust	trust	NOUN
asfbr-1413	55	23	of	of	ADP
asfbr-1413	55	24	buyer	buyer	NOUN
asfbr-1413	55	25	with	with	ADP
asfbr-1413	55	26	internet	internet	NOUN
asfbr-1413	55	27	decision	decision	NOUN
asfbr-1413	55	28	of	of	ADP
asfbr-1413	55	29	purchase	purchase	NOUN
asfbr-1413	55	30	in	in	ADP
asfbr-1413	55	31	supply	supply	NOUN
asfbr-1413	55	32	chain	chain	NOUN
asfbr-1413	55	33	sector	sector	NOUN
asfbr-1413	55	34	of	of	ADP
asfbr-1413	55	35	pakistan	pakistan	PROPN
asfbr-1413	55	36	significance	significance	NOUN
asfbr-1413	55	37	of	of	ADP
asfbr-1413	55	38	study	study	NOUN
asfbr-1413	55	39	this	this	DET
asfbr-1413	55	40	study	study	NOUN
asfbr-1413	55	41	is	be	AUX
asfbr-1413	55	42	essential	essential	ADJ
asfbr-1413	55	43	for	for	ADP
asfbr-1413	55	44	the	the	DET
asfbr-1413	55	45	internet	internet	NOUN
asfbr-1413	55	46	purchasing	purchasing	NOUN
asfbr-1413	55	47	supply	supply	NOUN
asfbr-1413	55	48	chain	chain	NOUN
asfbr-1413	55	49	sector	sector	NOUN
asfbr-1413	55	50	as	as	ADP
asfbr-1413	55	51	a	a	DET
asfbr-1413	55	52	whole	whole	NOUN
asfbr-1413	55	53	in	in	ADP
asfbr-1413	55	54	order	order	NOUN
asfbr-1413	55	55	to	to	PART
asfbr-1413	55	56	examine	examine	VERB
asfbr-1413	55	57	supply	supply	NOUN
asfbr-1413	55	58	chain	chain	NOUN
asfbr-1413	55	59	policy	policy	NOUN
asfbr-1413	55	60	of	of	ADP
asfbr-1413	55	61	return	return	NOUN
asfbr-1413	55	62	dimensions	dimension	NOUN
asfbr-1413	55	63	i.e.	i.e.	X
asfbr-1413	55	64	,	,	PUNCT
asfbr-1413	55	65	supply	supply	NOUN
asfbr-1413	55	66	chain	chain	NOUN
asfbr-1413	55	67	return	return	NOUN
asfbr-1413	55	68	risks	risk	NOUN
asfbr-1413	55	69	derived	derive	VERB
asfbr-1413	55	70	disruption	disruption	NOUN
asfbr-1413	55	71	factor	factor	NOUN
asfbr-1413	55	72	which	which	PRON
asfbr-1413	55	73	allows	allow	VERB
asfbr-1413	55	74	company	company	NOUN
asfbr-1413	55	75	get	get	VERB
asfbr-1413	55	76	stick	stick	NOUN
asfbr-1413	55	77	to	to	ADP
asfbr-1413	55	78	one	one	NUM
asfbr-1413	55	79	seller	seller	NOUN
asfbr-1413	55	80	.	.	PUNCT
asfbr-1413	56	1	as	as	SCONJ
asfbr-1413	56	2	the	the	DET
asfbr-1413	56	3	internet	internet	NOUN
asfbr-1413	56	4	purchasing	purchasing	NOUN
asfbr-1413	56	5	supply	supply	NOUN
asfbr-1413	56	6	chain	chain	NOUN
asfbr-1413	56	7	sector	sector	NOUN
asfbr-1413	56	8	as	as	ADP
asfbr-1413	56	9	a	a	DET
asfbr-1413	56	10	whole	whole	NOUN
asfbr-1413	56	11	is	be	AUX
asfbr-1413	56	12	related	relate	VERB
asfbr-1413	56	13	to	to	ADP
asfbr-1413	56	14	high	high	ADJ
asfbr-1413	56	15	frequency	frequency	NOUN
asfbr-1413	56	16	risk	risk	NOUN
asfbr-1413	56	17	of	of	ADP
asfbr-1413	56	18	return	return	NOUN
asfbr-1413	56	19	dimensions	dimension	NOUN
asfbr-1413	56	20	due	due	ADP
asfbr-1413	56	21	to	to	ADP
asfbr-1413	56	22	the	the	DET
asfbr-1413	56	23	high	high	ADJ
asfbr-1413	56	24	uncertainty	uncertainty	NOUN
asfbr-1413	56	25	in	in	ADP
asfbr-1413	56	26	internet	internet	NOUN
asfbr-1413	56	27	purchasing	purchasing	NOUN
asfbr-1413	56	28	supply	supply	NOUN
asfbr-1413	56	29	chain	chain	NOUN
asfbr-1413	56	30	environment	environment	NOUN
asfbr-1413	56	31	therefore	therefore	ADV
asfbr-1413	56	32	,	,	PUNCT
asfbr-1413	56	33	examine	examine	VERB
asfbr-1413	56	34	trust	trust	NOUN
asfbr-1413	56	35	of	of	ADP
asfbr-1413	56	36	buyer	buyer	NOUN
asfbr-1413	56	37	mediates	mediate	VERB
asfbr-1413	56	38	positive	positive	ADJ
asfbr-1413	56	39	association	association	NOUN
asfbr-1413	56	40	among	among	ADP
asfbr-1413	56	41	of	of	ADP
asfbr-1413	56	42	lenient	lenient	ADJ
asfbr-1413	56	43	policy	policy	NOUN
asfbr-1413	56	44	of	of	ADP
asfbr-1413	56	45	return	return	NOUN
asfbr-1413	56	46	of	of	ADP
asfbr-1413	56	47	buyer	buyer	NOUN
asfbr-1413	56	48	and	and	CCONJ
asfbr-1413	56	49	perceived	perceive	VERB
asfbr-1413	56	50	seller	seller	NOUN
asfbr-1413	56	51	quality	quality	NOUN
asfbr-1413	56	52	with	with	ADP
asfbr-1413	56	53	internet	internet	NOUN
asfbr-1413	56	54	decision	decision	NOUN
asfbr-1413	56	55	of	of	ADP
asfbr-1413	56	56	purchase	purchase	NOUN
asfbr-1413	56	57	in	in	ADP
asfbr-1413	56	58	supply	supply	NOUN
asfbr-1413	56	59	chain	chain	NOUN
asfbr-1413	56	60	sector	sector	NOUN
asfbr-1413	56	61	of	of	ADP
asfbr-1413	56	62	pakistan	pakistan	PROPN
asfbr-1413	56	63	.	.	PUNCT
asfbr-1413	57	1	research	research	NOUN
asfbr-1413	57	2	methodology	methodology	NOUN
asfbr-1413	57	3	conceptual	conceptual	ADJ
asfbr-1413	57	4	frame	frame	NOUN
asfbr-1413	57	5	work	work	NOUN
asfbr-1413	57	6	research	research	NOUN
asfbr-1413	57	7	approach	approach	NOUN
asfbr-1413	57	8	explanatory	explanatory	ADJ
asfbr-1413	57	9	research	research	NOUN
asfbr-1413	57	10	type	type	NOUN
asfbr-1413	57	11	is	be	AUX
asfbr-1413	57	12	used	use	VERB
asfbr-1413	57	13	for	for	ADP
asfbr-1413	57	14	this	this	DET
asfbr-1413	57	15	research	research	NOUN
asfbr-1413	57	16	to	to	PART
asfbr-1413	57	17	examine	examine	VERB
asfbr-1413	57	18	positive	positive	ADJ
asfbr-1413	57	19	association	association	NOUN
asfbr-1413	57	20	among	among	ADP
asfbr-1413	57	21	of	of	ADP
asfbr-1413	57	22	lenient	lenient	ADJ
asfbr-1413	57	23	policy	policy	NOUN
asfbr-1413	57	24	of	of	ADP
asfbr-1413	57	25	return	return	NOUN
asfbr-1413	57	26	of	of	ADP
asfbr-1413	57	27	buyer	buyer	NOUN
asfbr-1413	57	28	and	and	CCONJ
asfbr-1413	57	29	trust	trust	NOUN
asfbr-1413	57	30	of	of	ADP
asfbr-1413	57	31	buyer	buyer	NOUN
asfbr-1413	57	32	with	with	ADP
asfbr-1413	57	33	internet	internet	NOUN
asfbr-1413	57	34	decision	decision	NOUN
asfbr-1413	57	35	of	of	ADP
asfbr-1413	57	36	purchase	purchase	NOUN
asfbr-1413	57	37	in	in	ADP
asfbr-1413	57	38	internet	internet	NOUN
asfbr-1413	57	39	purchasing	purchasing	NOUN
asfbr-1413	57	40	supply	supply	NOUN
asfbr-1413	57	41	chain	chain	NOUN
asfbr-1413	57	42	sector	sector	NOUN
asfbr-1413	57	43	of	of	ADP
asfbr-1413	57	44	pakistan	pakistan	PROPN
asfbr-1413	57	45	.	.	PUNCT
asfbr-1413	58	1	we	we	PRON
asfbr-1413	58	2	have	have	AUX
asfbr-1413	58	3	used	use	VERB
asfbr-1413	58	4	quantitative	quantitative	ADJ
asfbr-1413	58	5	research	research	NOUN
asfbr-1413	58	6	approach	approach	NOUN
asfbr-1413	58	7	to	to	PART
asfbr-1413	58	8	find	find	VERB
asfbr-1413	58	9	the	the	DET
asfbr-1413	58	10	association	association	NOUN
asfbr-1413	58	11	among	among	ADP
asfbr-1413	58	12	the	the	DET
asfbr-1413	58	13	dependent	dependent	ADJ
asfbr-1413	58	14	and	and	CCONJ
asfbr-1413	58	15	independent	independent	ADJ
asfbr-1413	58	16	variable	variable	NOUN
asfbr-1413	58	17	.	.	PUNCT
asfbr-1413	59	1	data	datum	NOUN
asfbr-1413	59	2	collected	collect	VERB
asfbr-1413	59	3	was	be	AUX
asfbr-1413	59	4	changed	change	VERB
asfbr-1413	59	5	in	in	ADP
asfbr-1413	59	6	to	to	ADP
asfbr-1413	59	7	numbers	number	NOUN
asfbr-1413	59	8	to	to	PART
asfbr-1413	59	9	quantified	quantify	VERB
asfbr-1413	59	10	and	and	CCONJ
asfbr-1413	59	11	tested	test	VERB
asfbr-1413	59	12	empirically	empirically	ADV
asfbr-1413	59	13	.	.	PUNCT
asfbr-1413	60	1	sample	sample	NOUN
asfbr-1413	60	2	size	size	NOUN
asfbr-1413	60	3	and	and	CCONJ
asfbr-1413	60	4	population	population	NOUN
asfbr-1413	60	5	the	the	DET
asfbr-1413	60	6	sample	sample	NOUN
asfbr-1413	60	7	size	size	NOUN
asfbr-1413	60	8	,	,	PUNCT
asfbr-1413	60	9	selected	select	VERB
asfbr-1413	60	10	for	for	ADP
asfbr-1413	60	11	this	this	DET
asfbr-1413	60	12	study	study	NOUN
asfbr-1413	60	13	is	be	AUX
asfbr-1413	60	14	100	100	NUM
asfbr-1413	60	15	.	.	PUNCT
asfbr-1413	61	1	for	for	ADP
asfbr-1413	61	2	this	this	DET
asfbr-1413	61	3	study	study	NOUN
asfbr-1413	61	4	the	the	DET
asfbr-1413	61	5	target	target	NOUN
asfbr-1413	61	6	population	population	NOUN
asfbr-1413	61	7	is	be	AUX
asfbr-1413	61	8	internet	internet	NOUN
asfbr-1413	61	9	shopper	shopper	NOUN
asfbr-1413	61	10	and	and	CCONJ
asfbr-1413	61	11	buyers	buyer	NOUN
asfbr-1413	61	12	exist	exist	VERB
asfbr-1413	61	13	in	in	ADP
asfbr-1413	61	14	karachi	karachi	PROPN
asfbr-1413	62	1	so	so	SCONJ
asfbr-1413	62	2	it	it	PRON
asfbr-1413	62	3	was	be	AUX
asfbr-1413	62	4	not	not	PART
asfbr-1413	62	5	difficult	difficult	ADJ
asfbr-1413	62	6	to	to	PART
asfbr-1413	62	7	obtain	obtain	VERB
asfbr-1413	62	8	data	datum	NOUN
asfbr-1413	62	9	.	.	PUNCT
asfbr-1413	63	1	statistical	statistical	ADJ
asfbr-1413	63	2	techniques	technique	NOUN
asfbr-1413	63	3	this	this	DET
asfbr-1413	63	4	research	research	NOUN
asfbr-1413	63	5	used	use	VERB
asfbr-1413	63	6	the	the	DET
asfbr-1413	63	7	spss	spss	PROPN
asfbr-1413	63	8	software	software	NOUN
asfbr-1413	63	9	and	and	CCONJ
asfbr-1413	63	10	according	accord	VERB
asfbr-1413	63	11	to	to	ADP
asfbr-1413	63	12	research	research	NOUN
asfbr-1413	63	13	it	it	PRON
asfbr-1413	63	14	is	be	AUX
asfbr-1413	63	15	appropriate	appropriate	ADJ
asfbr-1413	63	16	to	to	PART
asfbr-1413	63	17	run	run	VERB
asfbr-1413	63	18	reliability	reliability	NOUN
asfbr-1413	63	19	analysis	analysis	NOUN
asfbr-1413	63	20	,	,	PUNCT
asfbr-1413	63	21	anova	anova	PROPN
asfbr-1413	63	22	and	and	CCONJ
asfbr-1413	63	23	regression	regression	VERB
asfbr-1413	63	24	analysis	analysis	NOUN
asfbr-1413	63	25	.	.	PUNCT
asfbr-1413	64	1	questionnaire	questionnaire	NOUN
asfbr-1413	64	2	and	and	CCONJ
asfbr-1413	64	3	measurement	measurement	NOUN
asfbr-1413	64	4	instrument	instrument	NOUN
asfbr-1413	64	5	there	there	PRON
asfbr-1413	64	6	are	be	VERB
asfbr-1413	64	7	21	21	NUM
asfbr-1413	64	8	items	item	NOUN
asfbr-1413	64	9	selected	select	VERB
asfbr-1413	64	10	in	in	ADP
asfbr-1413	64	11	preparing	prepare	VERB
asfbr-1413	64	12	questionnaire	questionnaire	NOUN
asfbr-1413	64	13	for	for	ADP
asfbr-1413	64	14	the	the	DET
asfbr-1413	64	15	dependent	dependent	ADJ
asfbr-1413	64	16	and	and	CCONJ
asfbr-1413	64	17	independent	independent	ADJ
asfbr-1413	64	18	variables	variable	NOUN
asfbr-1413	64	19	i.e.	i.e.	ADV
asfbr-1413	64	20	,	,	PUNCT
asfbr-1413	64	21	lenient	lenient	ADJ
asfbr-1413	64	22	policy	policy	NOUN
asfbr-1413	64	23	of	of	ADP
asfbr-1413	64	24	return	return	NOUN
asfbr-1413	64	25	of	of	ADP
asfbr-1413	64	26	buyer	buyer	NOUN
asfbr-1413	64	27	,	,	PUNCT
asfbr-1413	64	28	trust	trust	NOUN
asfbr-1413	64	29	of	of	ADP
asfbr-1413	64	30	buyer	buyer	NOUN
asfbr-1413	64	31	,	,	PUNCT
asfbr-1413	64	32	and	and	CCONJ
asfbr-1413	64	33	internet	internet	NOUN
asfbr-1413	64	34	decision	decision	NOUN
asfbr-1413	64	35	of	of	ADP
asfbr-1413	64	36	purchase	purchase	NOUN
asfbr-1413	64	37	.	.	PUNCT
asfbr-1413	65	1	online	online	ADJ
asfbr-1413	65	2	return	return	NOUN
asfbr-1413	65	3	policy	policy	NOUN
asfbr-1413	65	4	leniency	leniency	NOUN
asfbr-1413	65	5	consumer	consumer	NOUN
asfbr-1413	65	6	trust	trust	NOUN
asfbr-1413	65	7	online	online	ADJ
asfbr-1413	65	8	purchase	purchase	NOUN
asfbr-1413	65	9	decision	decision	NOUN
asfbr-1413	65	10	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-1413	65	11	asian	asian	ADJ
asfbr-1413	65	12	finance	finance	PROPN
asfbr-1413	65	13	&	&	CCONJ
asfbr-1413	65	14	banking	banking	PROPN
asfbr-1413	65	15	review	review	PROPN
asfbr-1413	65	16	vol	vol	NOUN
asfbr-1413	65	17	.	.	PROPN
asfbr-1413	65	18	5	5	NUM
asfbr-1413	65	19	,	,	PUNCT
asfbr-1413	65	20	no	no	INTJ
asfbr-1413	65	21	.	.	NOUN
asfbr-1413	65	22	1	1	NUM
asfbr-1413	65	23	;	;	PUNCT
asfbr-1413	65	24	2021	2021	NUM
asfbr-1413	65	25	33	33	NUM
asfbr-1413	65	26	each	each	PRON
asfbr-1413	65	27	,	,	PUNCT
asfbr-1413	65	28	the	the	DET
asfbr-1413	65	29	variables	variable	NOUN
asfbr-1413	65	30	carried	carry	VERB
asfbr-1413	65	31	7	7	NUM
asfbr-1413	65	32	items	item	NOUN
asfbr-1413	65	33	and	and	CCONJ
asfbr-1413	65	34	is	be	AUX
asfbr-1413	65	35	adopted	adopt	VERB
asfbr-1413	65	36	to	to	PART
asfbr-1413	65	37	examine	examine	VERB
asfbr-1413	65	38	the	the	DET
asfbr-1413	65	39	impact	impact	NOUN
asfbr-1413	65	40	of	of	ADP
asfbr-1413	65	41	lenient	lenient	ADJ
asfbr-1413	65	42	policy	policy	NOUN
asfbr-1413	65	43	of	of	ADP
asfbr-1413	65	44	return	return	NOUN
asfbr-1413	65	45	of	of	ADP
asfbr-1413	65	46	buyer	buyer	NOUN
asfbr-1413	65	47	and	and	CCONJ
asfbr-1413	65	48	trust	trust	NOUN
asfbr-1413	65	49	of	of	ADP
asfbr-1413	65	50	buyer	buyer	NOUN
asfbr-1413	65	51	on	on	ADP
asfbr-1413	65	52	the	the	DET
asfbr-1413	65	53	internet	internet	NOUN
asfbr-1413	65	54	decision	decision	NOUN
asfbr-1413	65	55	of	of	ADP
asfbr-1413	65	56	purchase	purchase	NOUN
asfbr-1413	65	57	.	.	PUNCT
asfbr-1413	66	1	hypothesis	hypothesis	NOUN
asfbr-1413	66	2	h1	h1	PROPN
asfbr-1413	66	3	:	:	PUNCT
asfbr-1413	66	4	there	there	PRON
asfbr-1413	66	5	is	be	VERB
asfbr-1413	66	6	positive	positive	ADJ
asfbr-1413	66	7	association	association	NOUN
asfbr-1413	66	8	between	between	ADP
asfbr-1413	66	9	lenient	lenient	ADJ
asfbr-1413	66	10	policy	policy	NOUN
asfbr-1413	66	11	of	of	ADP
asfbr-1413	66	12	return	return	NOUN
asfbr-1413	66	13	of	of	ADP
asfbr-1413	66	14	buyer	buyer	NOUN
asfbr-1413	66	15	and	and	CCONJ
asfbr-1413	66	16	internet	internet	NOUN
asfbr-1413	66	17	decision	decision	NOUN
asfbr-1413	66	18	of	of	ADP
asfbr-1413	66	19	purchase	purchase	NOUN
asfbr-1413	66	20	.	.	PUNCT
asfbr-1413	67	1	h2	h2	NOUN
asfbr-1413	67	2	:	:	PUNCT
asfbr-1413	67	3	there	there	PRON
asfbr-1413	67	4	is	be	VERB
asfbr-1413	67	5	positive	positive	ADJ
asfbr-1413	67	6	association	association	NOUN
asfbr-1413	67	7	between	between	ADP
asfbr-1413	67	8	trust	trust	NOUN
asfbr-1413	67	9	of	of	ADP
asfbr-1413	67	10	buyer	buyer	NOUN
asfbr-1413	67	11	and	and	CCONJ
asfbr-1413	67	12	internet	internet	NOUN
asfbr-1413	67	13	decision	decision	NOUN
asfbr-1413	67	14	of	of	ADP
asfbr-1413	67	15	purchase	purchase	NOUN
asfbr-1413	67	16	.	.	PUNCT
asfbr-1413	68	1	data	datum	NOUN
asfbr-1413	68	2	analysis	analysis	NOUN
asfbr-1413	68	3	and	and	CCONJ
asfbr-1413	68	4	interpretation	interpretation	NOUN
asfbr-1413	68	5	demographics	demographic	NOUN
asfbr-1413	68	6	gender	gender	NOUN
asfbr-1413	68	7	frequency	frequency	NOUN
asfbr-1413	68	8	percent	percent	NOUN
asfbr-1413	68	9	valid	valid	ADJ
asfbr-1413	68	10	percent	percent	NOUN
asfbr-1413	68	11	cumulative	cumulative	ADJ
asfbr-1413	68	12	percent	percent	NOUN
asfbr-1413	68	13	valid	valid	ADJ
asfbr-1413	68	14	male	male	NOUN
asfbr-1413	68	15	61	61	NUM
asfbr-1413	68	16	61.0	61.0	NUM
asfbr-1413	68	17	61.0	61.0	NUM
asfbr-1413	68	18	61.0	61.0	NUM
asfbr-1413	68	19	female	female	NOUN
asfbr-1413	68	20	39	39	NUM
asfbr-1413	68	21	39.0	39.0	NUM
asfbr-1413	68	22	39.0	39.0	NUM
asfbr-1413	68	23	100.0	100.0	NUM
asfbr-1413	68	24	total	total	NOUN
asfbr-1413	68	25	100	100	NUM
asfbr-1413	68	26	100.0	100.0	NUM
asfbr-1413	68	27	100.0	100.0	NUM
asfbr-1413	68	28	it	it	PRON
asfbr-1413	68	29	is	be	AUX
asfbr-1413	68	30	to	to	PART
asfbr-1413	68	31	be	be	AUX
asfbr-1413	68	32	observed	observe	VERB
asfbr-1413	68	33	out	out	ADP
asfbr-1413	68	34	of	of	ADP
asfbr-1413	68	35	100	100	NUM
asfbr-1413	68	36	,	,	PUNCT
asfbr-1413	68	37	61	61	NUM
asfbr-1413	68	38	participants	participant	NOUN
asfbr-1413	68	39	were	be	AUX
asfbr-1413	68	40	male	male	ADJ
asfbr-1413	68	41	which	which	PRON
asfbr-1413	68	42	extracted	extract	VERB
asfbr-1413	68	43	the	the	DET
asfbr-1413	68	44	61	61	NUM
asfbr-1413	68	45	%	%	NOUN
asfbr-1413	68	46	of	of	ADP
asfbr-1413	68	47	the	the	DET
asfbr-1413	68	48	data	datum	NOUN
asfbr-1413	68	49	and	and	CCONJ
asfbr-1413	68	50	there	there	PRON
asfbr-1413	68	51	were	be	VERB
asfbr-1413	68	52	39	39	NUM
asfbr-1413	68	53	female	female	ADJ
asfbr-1413	68	54	participants	participant	NOUN
asfbr-1413	68	55	which	which	PRON
asfbr-1413	68	56	extracted	extract	VERB
asfbr-1413	68	57	the	the	DET
asfbr-1413	68	58	39	39	NUM
asfbr-1413	68	59	%	%	NOUN
asfbr-1413	68	60	of	of	ADP
asfbr-1413	68	61	the	the	DET
asfbr-1413	68	62	data	datum	NOUN
asfbr-1413	68	63	collected	collect	VERB
asfbr-1413	68	64	.	.	PUNCT
asfbr-1413	69	1	age	age	NOUN
asfbr-1413	69	2	frequency	frequency	NOUN
asfbr-1413	69	3	percent	percent	NOUN
asfbr-1413	69	4	valid	valid	ADJ
asfbr-1413	69	5	percent	percent	NOUN
asfbr-1413	69	6	cumulative	cumulative	ADJ
asfbr-1413	69	7	percent	percent	NOUN
asfbr-1413	69	8	valid	valid	ADJ
asfbr-1413	69	9	20	20	NUM
asfbr-1413	69	10	-	-	SYM
asfbr-1413	69	11	25	25	NUM
asfbr-1413	69	12	yrs	yr	NOUN
asfbr-1413	69	13	44	44	NUM
asfbr-1413	69	14	44.0	44.0	NUM
asfbr-1413	69	15	44.0	44.0	NUM
asfbr-1413	69	16	44.0	44.0	NUM
asfbr-1413	69	17	26	26	NUM
asfbr-1413	69	18	-	-	SYM
asfbr-1413	69	19	30	30	NUM
asfbr-1413	69	20	yrs	yrs	NOUN
asfbr-1413	69	21	32	32	NUM
asfbr-1413	69	22	32.0	32.0	NUM
asfbr-1413	69	23	32.0	32.0	NUM
asfbr-1413	69	24	76.0	76.0	NUM
asfbr-1413	69	25	31	31	NUM
asfbr-1413	69	26	-	-	SYM
asfbr-1413	69	27	35	35	NUM
asfbr-1413	69	28	yrs	yr	NOUN
asfbr-1413	69	29	15	15	NUM
asfbr-1413	69	30	15.0	15.0	NUM
asfbr-1413	69	31	15.0	15.0	NUM
asfbr-1413	69	32	91.0	91.0	NUM
asfbr-1413	69	33	36	36	NUM
asfbr-1413	69	34	-	-	SYM
asfbr-1413	69	35	40	40	NUM
asfbr-1413	69	36	years	year	NOUN
asfbr-1413	69	37	5	5	NUM
asfbr-1413	69	38	5.0	5.0	NUM
asfbr-1413	69	39	5.0	5.0	NUM
asfbr-1413	69	40	96.0	96.0	NUM
asfbr-1413	69	41	over	over	ADP
asfbr-1413	69	42	50	50	NUM
asfbr-1413	69	43	4	4	NUM
asfbr-1413	69	44	4.0	4.0	NUM
asfbr-1413	69	45	4.0	4.0	NUM
asfbr-1413	69	46	100.0	100.0	NUM
asfbr-1413	69	47	total	total	NOUN
asfbr-1413	69	48	100	100	NUM
asfbr-1413	69	49	100.0	100.0	NUM
asfbr-1413	69	50	100.0	100.0	NUM
asfbr-1413	69	51	among	among	ADP
asfbr-1413	69	52	100	100	NUM
asfbr-1413	69	53	participants	participant	NOUN
asfbr-1413	69	54	44	44	NUM
asfbr-1413	69	55	number	number	NOUN
asfbr-1413	69	56	of	of	ADP
asfbr-1413	69	57	participants	participant	NOUN
asfbr-1413	69	58	which	which	PRON
asfbr-1413	69	59	extracts	extract	VERB
asfbr-1413	69	60	44.0	44.0	NUM
asfbr-1413	69	61	%	%	NOUN
asfbr-1413	69	62	are	be	AUX
asfbr-1413	69	63	belong	belong	ADJ
asfbr-1413	69	64	to	to	ADP
asfbr-1413	69	65	the	the	DET
asfbr-1413	69	66	age	age	NOUN
asfbr-1413	69	67	group	group	NOUN
asfbr-1413	69	68	of	of	ADP
asfbr-1413	69	69	20	20	NUM
asfbr-1413	69	70	-	-	SYM
asfbr-1413	69	71	25	25	NUM
asfbr-1413	69	72	years	year	NOUN
asfbr-1413	69	73	,	,	PUNCT
asfbr-1413	69	74	32	32	NUM
asfbr-1413	69	75	number	number	NOUN
asfbr-1413	69	76	of	of	ADP
asfbr-1413	69	77	participants	participant	NOUN
asfbr-1413	69	78	which	which	PRON
asfbr-1413	69	79	extracts	extract	VERB
asfbr-1413	69	80	32	32	NUM
asfbr-1413	69	81	%	%	NOUN
asfbr-1413	69	82	are	be	AUX
asfbr-1413	69	83	belong	belong	VERB
asfbr-1413	69	84	to	to	ADP
asfbr-1413	69	85	the	the	DET
asfbr-1413	69	86	age	age	NOUN
asfbr-1413	69	87	group	group	NOUN
asfbr-1413	69	88	of	of	ADP
asfbr-1413	69	89	26	26	NUM
asfbr-1413	69	90	-	-	SYM
asfbr-1413	69	91	30	30	NUM
asfbr-1413	69	92	years	year	NOUN
asfbr-1413	69	93	,	,	PUNCT
asfbr-1413	69	94	15	15	NUM
asfbr-1413	69	95	number	number	NOUN
asfbr-1413	69	96	of	of	ADP
asfbr-1413	69	97	participants	participant	NOUN
asfbr-1413	69	98	which	which	PRON
asfbr-1413	69	99	extracts	extract	VERB
asfbr-1413	69	100	15	15	NUM
asfbr-1413	69	101	%	%	NOUN
asfbr-1413	69	102	are	be	AUX
asfbr-1413	69	103	belong	belong	VERB
asfbr-1413	69	104	to	to	ADP
asfbr-1413	69	105	the	the	DET
asfbr-1413	69	106	age	age	NOUN
asfbr-1413	69	107	group	group	NOUN
asfbr-1413	69	108	of	of	ADP
asfbr-1413	69	109	3135	3135	NUM
asfbr-1413	69	110	years	year	NOUN
asfbr-1413	69	111	,	,	PUNCT
asfbr-1413	69	112	5	5	NUM
asfbr-1413	69	113	number	number	NOUN
asfbr-1413	69	114	of	of	ADP
asfbr-1413	69	115	participants	participant	NOUN
asfbr-1413	69	116	which	which	PRON
asfbr-1413	69	117	extracts	extract	VERB
asfbr-1413	69	118	5	5	NUM
asfbr-1413	69	119	%	%	NOUN
asfbr-1413	69	120	are	be	AUX
asfbr-1413	69	121	belong	belong	VERB
asfbr-1413	69	122	to	to	ADP
asfbr-1413	69	123	the	the	DET
asfbr-1413	69	124	age	age	NOUN
asfbr-1413	69	125	group	group	NOUN
asfbr-1413	69	126	of	of	ADP
asfbr-1413	69	127	36	36	NUM
asfbr-1413	69	128	-	-	SYM
asfbr-1413	69	129	40	40	NUM
asfbr-1413	69	130	years	year	NOUN
asfbr-1413	69	131	,	,	PUNCT
asfbr-1413	69	132	4	4	NUM
asfbr-1413	69	133	number	number	NOUN
asfbr-1413	69	134	of	of	ADP
asfbr-1413	69	135	participants	participant	NOUN
asfbr-1413	69	136	which	which	PRON
asfbr-1413	69	137	extracts	extract	VERB
asfbr-1413	69	138	4	4	NUM
asfbr-1413	69	139	%	%	NOUN
asfbr-1413	69	140	are	be	AUX
asfbr-1413	69	141	belong	belong	ADJ
asfbr-1413	69	142	to	to	ADP
asfbr-1413	69	143	the	the	DET
asfbr-1413	69	144	age	age	NOUN
asfbr-1413	69	145	group	group	NOUN
asfbr-1413	69	146	of	of	ADP
asfbr-1413	69	147	over	over	ADP
asfbr-1413	69	148	50	50	NUM
asfbr-1413	69	149	years	year	NOUN
asfbr-1413	69	150	.	.	PUNCT
asfbr-1413	70	1	education	education	NOUN
asfbr-1413	70	2	frequency	frequency	NOUN
asfbr-1413	70	3	percent	percent	NOUN
asfbr-1413	70	4	valid	valid	ADJ
asfbr-1413	70	5	percent	percent	NOUN
asfbr-1413	70	6	cumulative	cumulative	ADJ
asfbr-1413	70	7	percent	percent	NOUN
asfbr-1413	70	8	valid	valid	ADJ
asfbr-1413	70	9	matric	matric	NOUN
asfbr-1413	70	10	9	9	NUM
asfbr-1413	70	11	9.0	9.0	NUM
asfbr-1413	70	12	9.0	9.0	NUM
asfbr-1413	70	13	9.0	9.0	NUM
asfbr-1413	70	14	intermediate	intermediate	ADJ
asfbr-1413	70	15	17	17	NUM
asfbr-1413	70	16	17.0	17.0	NUM
asfbr-1413	70	17	17.0	17.0	NUM
asfbr-1413	70	18	26.0	26.0	NUM
asfbr-1413	70	19	bachelors	bachelor	NOUN
asfbr-1413	70	20	38	38	NUM
asfbr-1413	70	21	38.0	38.0	NUM
asfbr-1413	70	22	38.0	38.0	NUM
asfbr-1413	70	23	64.0	64.0	NUM
asfbr-1413	70	24	masters	master	NOUN
asfbr-1413	70	25	35	35	NUM
asfbr-1413	70	26	35.0	35.0	NUM
asfbr-1413	70	27	35.0	35.0	NUM
asfbr-1413	70	28	99.0	99.0	NUM
asfbr-1413	70	29	other	other	ADJ
asfbr-1413	70	30	1	1	NUM
asfbr-1413	70	31	1.0	1.0	NUM
asfbr-1413	70	32	1.0	1.0	NUM
asfbr-1413	70	33	100.0	100.0	NUM
asfbr-1413	70	34	total	total	NOUN
asfbr-1413	70	35	100	100	NUM
asfbr-1413	70	36	100.0	100.0	NUM
asfbr-1413	70	37	100.0	100.0	NUM
asfbr-1413	70	38	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1413	70	39	asian	asian	ADJ
asfbr-1413	70	40	finance	finance	NOUN
asfbr-1413	70	41	&	&	CCONJ
asfbr-1413	70	42	banking	banking	PROPN
asfbr-1413	70	43	review	review	PROPN
asfbr-1413	70	44	vol	vol	NOUN
asfbr-1413	70	45	.	.	PROPN
asfbr-1413	70	46	5	5	NUM
asfbr-1413	70	47	,	,	PUNCT
asfbr-1413	70	48	no	no	INTJ
asfbr-1413	70	49	.	.	NOUN
asfbr-1413	70	50	1	1	NUM
asfbr-1413	70	51	;	;	PUNCT
asfbr-1413	70	52	2021	2021	NUM
asfbr-1413	70	53	34	34	NUM
asfbr-1413	70	54	out	out	ADP
asfbr-1413	70	55	of	of	ADP
asfbr-1413	70	56	100	100	NUM
asfbr-1413	70	57	participants	participant	NOUN
asfbr-1413	70	58	9	9	NUM
asfbr-1413	70	59	(	(	PUNCT
asfbr-1413	70	60	9.0	9.0	NUM
asfbr-1413	70	61	%	%	NOUN
asfbr-1413	70	62	)	)	PUNCT
asfbr-1413	70	63	of	of	ADP
asfbr-1413	70	64	the	the	DET
asfbr-1413	70	65	participants	participant	NOUN
asfbr-1413	70	66	are	be	AUX
asfbr-1413	70	67	metric	metric	ADJ
asfbr-1413	70	68	,	,	PUNCT
asfbr-1413	70	69	17	17	NUM
asfbr-1413	70	70	(	(	PUNCT
asfbr-1413	70	71	17.0	17.0	NUM
asfbr-1413	70	72	%	%	NOUN
asfbr-1413	70	73	)	)	PUNCT
asfbr-1413	70	74	of	of	ADP
asfbr-1413	70	75	the	the	DET
asfbr-1413	70	76	participants	participant	NOUN
asfbr-1413	70	77	are	be	AUX
asfbr-1413	70	78	intermediate	intermediate	ADJ
asfbr-1413	70	79	,	,	PUNCT
asfbr-1413	70	80	38	38	NUM
asfbr-1413	70	81	(	(	PUNCT
asfbr-1413	70	82	38.0	38.0	NUM
asfbr-1413	70	83	%	%	NOUN
asfbr-1413	70	84	)	)	PUNCT
asfbr-1413	70	85	of	of	ADP
asfbr-1413	70	86	the	the	DET
asfbr-1413	70	87	participants	participant	NOUN
asfbr-1413	70	88	are	be	AUX
asfbr-1413	70	89	bachelors	bachelor	NOUN
asfbr-1413	70	90	,	,	PUNCT
asfbr-1413	70	91	35	35	NUM
asfbr-1413	70	92	(	(	PUNCT
asfbr-1413	70	93	35.0	35.0	NUM
asfbr-1413	70	94	%	%	NOUN
asfbr-1413	70	95	)	)	PUNCT
asfbr-1413	70	96	of	of	ADP
asfbr-1413	70	97	the	the	DET
asfbr-1413	70	98	participants	participant	NOUN
asfbr-1413	70	99	are	be	AUX
asfbr-1413	70	100	masters	master	NOUN
asfbr-1413	70	101	,	,	PUNCT
asfbr-1413	70	102	1	1	NUM
asfbr-1413	70	103	(	(	PUNCT
asfbr-1413	70	104	1.0	1.0	NUM
asfbr-1413	70	105	%	%	NOUN
asfbr-1413	70	106	)	)	PUNCT
asfbr-1413	70	107	of	of	ADP
asfbr-1413	70	108	the	the	DET
asfbr-1413	70	109	participants	participant	NOUN
asfbr-1413	70	110	are	be	AUX
asfbr-1413	70	111	others	other	NOUN
asfbr-1413	70	112	.	.	PUNCT
asfbr-1413	71	1	marital	marital	ADJ
asfbr-1413	71	2	status	status	NOUN
asfbr-1413	71	3	frequency	frequency	PROPN
asfbr-1413	71	4	percent	percent	NOUN
asfbr-1413	71	5	valid	valid	ADJ
asfbr-1413	71	6	percent	percent	NOUN
asfbr-1413	71	7	cumulative	cumulative	ADJ
asfbr-1413	71	8	percent	percent	NOUN
asfbr-1413	71	9	valid	valid	ADJ
asfbr-1413	71	10	married	marry	VERB
asfbr-1413	71	11	34	34	NUM
asfbr-1413	71	12	34.0	34.0	NUM
asfbr-1413	71	13	34.0	34.0	NUM
asfbr-1413	71	14	34.0	34.0	NUM
asfbr-1413	71	15	unmarried	unmarried	ADJ
asfbr-1413	71	16	66	66	NUM
asfbr-1413	71	17	66.0	66.0	NUM
asfbr-1413	71	18	66.0	66.0	NUM
asfbr-1413	71	19	100.0	100.0	NUM
asfbr-1413	71	20	total	total	NOUN
asfbr-1413	71	21	100	100	NUM
asfbr-1413	71	22	100.0	100.0	NUM
asfbr-1413	71	23	100.0	100.0	NUM
asfbr-1413	71	24	out	out	ADP
asfbr-1413	71	25	of	of	ADP
asfbr-1413	71	26	100	100	NUM
asfbr-1413	71	27	participants	participant	NOUN
asfbr-1413	71	28	34	34	NUM
asfbr-1413	71	29	(	(	PUNCT
asfbr-1413	71	30	34.0	34.0	NUM
asfbr-1413	71	31	%	%	NOUN
asfbr-1413	71	32	)	)	PUNCT
asfbr-1413	71	33	of	of	ADP
asfbr-1413	71	34	the	the	DET
asfbr-1413	71	35	participants	participant	NOUN
asfbr-1413	71	36	are	be	AUX
asfbr-1413	71	37	married	married	ADJ
asfbr-1413	71	38	,	,	PUNCT
asfbr-1413	71	39	66	66	NUM
asfbr-1413	71	40	(	(	PUNCT
asfbr-1413	71	41	66	66	NUM
asfbr-1413	71	42	%	%	NOUN
asfbr-1413	71	43	)	)	PUNCT
asfbr-1413	71	44	of	of	ADP
asfbr-1413	71	45	the	the	DET
asfbr-1413	71	46	participants	participant	NOUN
asfbr-1413	71	47	are	be	AUX
asfbr-1413	71	48	unmarried	unmarried	ADJ
asfbr-1413	71	49	.	.	PUNCT
asfbr-1413	72	1	reliability	reliability	NOUN
asfbr-1413	72	2	analysis	analysis	NOUN
asfbr-1413	72	3	variable	variable	ADJ
asfbr-1413	72	4	cronbach	cronbach	NOUN
asfbr-1413	72	5	’s	’s	PART
asfbr-1413	72	6	alpha	alpha	NOUN
asfbr-1413	72	7	no	no	INTJ
asfbr-1413	72	8	.	.	PUNCT
asfbr-1413	72	9	of	of	ADP
asfbr-1413	72	10	items	item	NOUN
asfbr-1413	72	11	orpl	orpl	VERB
asfbr-1413	72	12	internet	internet	NOUN
asfbr-1413	72	13	policy	policy	NOUN
asfbr-1413	72	14	of	of	ADP
asfbr-1413	72	15	return	return	NOUN
asfbr-1413	72	16	leniency	leniency	NOUN
asfbr-1413	72	17	0.891	0.891	NUM
asfbr-1413	72	18	07	07	NUM
asfbr-1413	72	19	ct	ct	PROPN
asfbr-1413	72	20	trust	trust	NOUN
asfbr-1413	72	21	of	of	ADP
asfbr-1413	72	22	buyer	buyer	NOUN
asfbr-1413	72	23	0.915	0.915	NUM
asfbr-1413	72	24	07	07	NUM
asfbr-1413	72	25	opd	opd	PROPN
asfbr-1413	72	26	internet	internet	NOUN
asfbr-1413	72	27	decision	decision	NOUN
asfbr-1413	72	28	of	of	ADP
asfbr-1413	72	29	purchase	purchase	NOUN
asfbr-1413	72	30	0.945	0.945	NUM
asfbr-1413	72	31	07	07	NUM
asfbr-1413	72	32	over	over	ADP
asfbr-1413	72	33	all	all	DET
asfbr-1413	72	34	0.968	0.968	NUM
asfbr-1413	72	35	21	21	NUM
asfbr-1413	72	36	the	the	DET
asfbr-1413	72	37	reliability	reliability	NOUN
asfbr-1413	72	38	of	of	ADP
asfbr-1413	72	39	data	datum	NOUN
asfbr-1413	72	40	obtained	obtain	VERB
asfbr-1413	72	41	is	be	AUX
asfbr-1413	72	42	checked	check	VERB
asfbr-1413	72	43	through	through	ADP
asfbr-1413	72	44	cronbach	cronbach	NOUN
asfbr-1413	72	45	's	's	PART
asfbr-1413	72	46	alpha	alpha	NOUN
asfbr-1413	72	47	test	test	NOUN
asfbr-1413	72	48	.	.	PUNCT
asfbr-1413	73	1	acceptable	acceptable	ADJ
asfbr-1413	73	2	range	range	NOUN
asfbr-1413	73	3	for	for	ADP
asfbr-1413	73	4	cronbach	cronbach	NOUN
asfbr-1413	73	5	's	's	PART
asfbr-1413	73	6	alpha	alpha	NOUN
asfbr-1413	73	7	is	be	AUX
asfbr-1413	73	8	α	α	NOUN
asfbr-1413	73	9	of	of	ADP
asfbr-1413	73	10	0.6	0.6	NUM
asfbr-1413	73	11	-	-	SYM
asfbr-1413	73	12	0.7	0.7	NUM
asfbr-1413	73	13	indicates	indicate	VERB
asfbr-1413	73	14	an	an	DET
asfbr-1413	73	15	acceptable	acceptable	ADJ
asfbr-1413	73	16	level	level	NOUN
asfbr-1413	73	17	of	of	ADP
asfbr-1413	73	18	reliability	reliability	NOUN
asfbr-1413	73	19	.	.	PUNCT
asfbr-1413	74	1	the	the	DET
asfbr-1413	74	2	values	value	NOUN
asfbr-1413	74	3	for	for	ADP
asfbr-1413	74	4	reliability	reliability	NOUN
asfbr-1413	74	5	test	test	NOUN
asfbr-1413	74	6	obtained	obtain	VERB
asfbr-1413	74	7	are	be	AUX
asfbr-1413	74	8	greater	great	ADJ
asfbr-1413	74	9	than	than	ADP
asfbr-1413	74	10	0.7	0.7	NUM
asfbr-1413	74	11	.	.	PUNCT
asfbr-1413	75	1	for	for	ADP
asfbr-1413	75	2	internet	internet	NOUN
asfbr-1413	75	3	policy	policy	NOUN
asfbr-1413	75	4	of	of	ADP
asfbr-1413	75	5	return	return	NOUN
asfbr-1413	75	6	leniency	leniency	NOUN
asfbr-1413	75	7	value	value	NOUN
asfbr-1413	75	8	is	be	AUX
asfbr-1413	75	9	0.891	0.891	NUM
asfbr-1413	75	10	,	,	PUNCT
asfbr-1413	75	11	for	for	ADP
asfbr-1413	75	12	trust	trust	NOUN
asfbr-1413	75	13	of	of	ADP
asfbr-1413	75	14	buyer	buyer	NOUN
asfbr-1413	75	15	is	be	AUX
asfbr-1413	75	16	0.915	0.915	NUM
asfbr-1413	75	17	and	and	CCONJ
asfbr-1413	75	18	for	for	ADP
asfbr-1413	75	19	internet	internet	NOUN
asfbr-1413	75	20	decision	decision	NOUN
asfbr-1413	75	21	of	of	ADP
asfbr-1413	75	22	purchase	purchase	NOUN
asfbr-1413	75	23	is	be	AUX
asfbr-1413	75	24	0.945	0.945	NUM
asfbr-1413	75	25	model	model	NOUN
asfbr-1413	75	26	summary	summary	NOUN
asfbr-1413	75	27	model	model	NOUN
asfbr-1413	75	28	r	r	PROPN
asfbr-1413	75	29	r	r	NOUN
asfbr-1413	75	30	square	square	ADJ
asfbr-1413	75	31	adjusted	adjust	VERB
asfbr-1413	75	32	r	r	NOUN
asfbr-1413	75	33	square	square	ADJ
asfbr-1413	75	34	std	std	NOUN
asfbr-1413	75	35	.	.	PUNCT
asfbr-1413	76	1	error	error	NOUN
asfbr-1413	76	2	of	of	ADP
asfbr-1413	76	3	the	the	DET
asfbr-1413	76	4	estimate	estimate	NOUN
asfbr-1413	76	5	change	change	NOUN
asfbr-1413	76	6	statistics	statistic	NOUN
asfbr-1413	76	7	durbinwatson	durbinwatson	NOUN
asfbr-1413	76	8	r	r	NOUN
asfbr-1413	76	9	square	square	ADJ
asfbr-1413	76	10	change	change	NOUN
asfbr-1413	76	11	f	f	PROPN
asfbr-1413	76	12	change	change	NOUN
asfbr-1413	76	13	df1	df1	PROPN
asfbr-1413	76	14	df2	df2	PROPN
asfbr-1413	76	15	sig	sig	PROPN
asfbr-1413	76	16	.	.	PUNCT
asfbr-1413	77	1	f	f	PROPN
asfbr-1413	77	2	change	change	VERB
asfbr-1413	77	3	1	1	NUM
asfbr-1413	77	4	.874a	.874a	PROPN
asfbr-1413	77	5	.764	.764	NUM
asfbr-1413	77	6	.759	.759	NUM
asfbr-1413	78	1	.46465	.46465	NOUN
asfbr-1413	78	2	.764	.764	NUM
asfbr-1413	79	1	156.582	156.582	NUM
asfbr-1413	79	2	2	2	NUM
asfbr-1413	79	3	97	97	NUM
asfbr-1413	79	4	.000	.000	NUM
asfbr-1413	79	5	1.980	1.980	NUM
asfbr-1413	79	6	a.	a.	NOUN
asfbr-1413	79	7	predictors	predictor	NOUN
asfbr-1413	79	8	:	:	PUNCT
asfbr-1413	79	9	(	(	PUNCT
asfbr-1413	79	10	constant	constant	ADJ
asfbr-1413	79	11	)	)	PUNCT
asfbr-1413	79	12	,	,	PUNCT
asfbr-1413	79	13	ct	ct	PROPN
asfbr-1413	79	14	,	,	PUNCT
asfbr-1413	79	15	orpl	orpl	PROPN
asfbr-1413	79	16	b.	b.	PROPN
asfbr-1413	80	1	dependent	dependent	ADJ
asfbr-1413	80	2	variable	variable	NOUN
asfbr-1413	80	3	:	:	PUNCT
asfbr-1413	80	4	opd	opd	PROPN
asfbr-1413	80	5	table	table	NOUN
asfbr-1413	80	6	shows	show	VERB
asfbr-1413	80	7	that	that	SCONJ
asfbr-1413	80	8	the	the	DET
asfbr-1413	80	9	independent	independent	ADJ
asfbr-1413	80	10	variables	variable	NOUN
asfbr-1413	80	11	online	online	ADJ
asfbr-1413	80	12	return	return	NOUN
asfbr-1413	80	13	policy	policy	NOUN
asfbr-1413	80	14	leniency	leniency	NOUN
asfbr-1413	80	15	and	and	CCONJ
asfbr-1413	80	16	customer	customer	NOUN
asfbr-1413	80	17	trust	trust	NOUN
asfbr-1413	80	18	explain	explain	VERB
asfbr-1413	80	19	76.4	76.4	NUM
asfbr-1413	80	20	%	%	NOUN
asfbr-1413	80	21	of	of	ADP
asfbr-1413	80	22	variance	variance	NOUN
asfbr-1413	80	23	in	in	ADP
asfbr-1413	80	24	the	the	DET
asfbr-1413	80	25	online	online	ADJ
asfbr-1413	80	26	purchase	purchase	NOUN
asfbr-1413	80	27	decision	decision	NOUN
asfbr-1413	80	28	as	as	SCONJ
asfbr-1413	80	29	represented	represent	VERB
asfbr-1413	80	30	by	by	ADP
asfbr-1413	80	31	r	r	PROPN
asfbr-1413	80	32	square	square	NOUN
asfbr-1413	80	33	.	.	PUNCT
asfbr-1413	81	1	anova	anova	PROPN
asfbr-1413	81	2	model	model	PROPN
asfbr-1413	81	3	sum	sum	NOUN
asfbr-1413	81	4	of	of	ADP
asfbr-1413	81	5	squares	square	NOUN
asfbr-1413	81	6	df	df	PROPN
asfbr-1413	81	7	mean	mean	PROPN
asfbr-1413	81	8	square	square	PROPN
asfbr-1413	81	9	f	f	PROPN
asfbr-1413	81	10	sig	sig	PROPN
asfbr-1413	81	11	.	.	PROPN
asfbr-1413	81	12	1	1	NUM
asfbr-1413	81	13	regression	regression	VERB
asfbr-1413	81	14	67.613	67.613	NUM
asfbr-1413	81	15	2	2	NUM
asfbr-1413	81	16	33.807	33.807	NUM
asfbr-1413	81	17	156.582	156.582	NUM
asfbr-1413	81	18	.000b	.000b	PROPN
asfbr-1413	81	19	residual	residual	ADJ
asfbr-1413	81	20	20.943	20.943	NUM
asfbr-1413	81	21	97	97	NUM
asfbr-1413	81	22	.216	.216	NUM
asfbr-1413	81	23	total	total	NOUN
asfbr-1413	81	24	88.556	88.556	NUM
asfbr-1413	81	25	99	99	NUM
asfbr-1413	81	26	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1413	81	27	asian	asian	ADJ
asfbr-1413	81	28	finance	finance	PROPN
asfbr-1413	81	29	&	&	CCONJ
asfbr-1413	81	30	banking	banking	PROPN
asfbr-1413	81	31	review	review	PROPN
asfbr-1413	81	32	vol	vol	NOUN
asfbr-1413	81	33	.	.	PROPN
asfbr-1413	82	1	5	5	NUM
asfbr-1413	82	2	,	,	PUNCT
asfbr-1413	82	3	no	no	INTJ
asfbr-1413	82	4	.	.	NOUN
asfbr-1413	82	5	1	1	NUM
asfbr-1413	82	6	;	;	PUNCT
asfbr-1413	82	7	2021	2021	NUM
asfbr-1413	82	8	35	35	NUM
asfbr-1413	82	9	a.	a.	NOUN
asfbr-1413	82	10	dependent	dependent	ADJ
asfbr-1413	82	11	variable	variable	NOUN
asfbr-1413	82	12	:	:	PUNCT
asfbr-1413	82	13	opd	opd	PROPN
asfbr-1413	82	14	b.	b.	PROPN
asfbr-1413	82	15	predictors	predictor	NOUN
asfbr-1413	82	16	:	:	PUNCT
asfbr-1413	82	17	(	(	PUNCT
asfbr-1413	82	18	constant	constant	ADJ
asfbr-1413	82	19	)	)	PUNCT
asfbr-1413	82	20	,	,	PUNCT
asfbr-1413	82	21	ct	ct	PROPN
asfbr-1413	82	22	,	,	PUNCT
asfbr-1413	82	23	orpl	orpl	NOUN
asfbr-1413	82	24	table	table	NOUN
asfbr-1413	82	25	shows	show	VERB
asfbr-1413	82	26	that	that	SCONJ
asfbr-1413	82	27	our	our	PRON
asfbr-1413	82	28	model	model	NOUN
asfbr-1413	82	29	is	be	AUX
asfbr-1413	82	30	significant	significant	ADJ
asfbr-1413	82	31	at	at	ADP
asfbr-1413	82	32	α=.05	α=.05	NOUN
asfbr-1413	82	33	,	,	PUNCT
asfbr-1413	82	34	f	f	PROPN
asfbr-1413	82	35	(	(	PUNCT
asfbr-1413	82	36	2	2	NUM
asfbr-1413	82	37	,	,	PUNCT
asfbr-1413	82	38	97	97	NUM
asfbr-1413	82	39	)	)	PUNCT
asfbr-1413	82	40	=	=	NOUN
asfbr-1413	82	41	156.582	156.582	NUM
asfbr-1413	82	42	and	and	CCONJ
asfbr-1413	82	43	p	p	NOUN
asfbr-1413	82	44	=	=	PROPN
asfbr-1413	82	45	.000	.000	NUM
asfbr-1413	82	46	which	which	PRON
asfbr-1413	82	47	is	be	AUX
asfbr-1413	82	48	less	less	ADJ
asfbr-1413	82	49	than	than	ADP
asfbr-1413	82	50	.05	.05	NUM
asfbr-1413	82	51	coefficient	coefficient	NOUN
asfbr-1413	82	52	table	table	NOUN
asfbr-1413	82	53	model	model	NOUN
asfbr-1413	82	54	unstandardized	unstandardized	ADJ
asfbr-1413	82	55	coefficients	coefficient	NOUN
asfbr-1413	82	56	standardized	standardize	VERB
asfbr-1413	82	57	coefficients	coefficient	NOUN
asfbr-1413	82	58	t	t	PROPN
asfbr-1413	82	59	sig	sig	NOUN
asfbr-1413	82	60	.	.	PUNCT
asfbr-1413	83	1	95.0	95.0	NUM
asfbr-1413	83	2	%	%	NOUN
asfbr-1413	83	3	confidence	confidence	NOUN
asfbr-1413	83	4	interval	interval	NOUN
asfbr-1413	83	5	for	for	ADP
asfbr-1413	83	6	b	b	PROPN
asfbr-1413	83	7	correlations	correlation	NOUN
asfbr-1413	83	8	b	b	NOUN
asfbr-1413	83	9	std	std	NOUN
asfbr-1413	83	10	.	.	NOUN
asfbr-1413	83	11	error	error	NOUN
asfbr-1413	83	12	beta	beta	NOUN
asfbr-1413	83	13	lower	lower	ADV
asfbr-1413	83	14	bound	bind	VERB
asfbr-1413	83	15	upper	upper	ADJ
asfbr-1413	83	16	bound	bind	VERB
asfbr-1413	83	17	zeroorder	zeroorder	NOUN
asfbr-1413	83	18	partial	partial	ADJ
asfbr-1413	83	19	part	part	NOUN
asfbr-1413	83	20	1	1	NUM
asfbr-1413	83	21	(	(	PUNCT
asfbr-1413	83	22	constant	constant	ADJ
asfbr-1413	83	23	)	)	PUNCT
asfbr-1413	83	24	.255	.255	NUM
asfbr-1413	83	25	.186	.186	NUM
asfbr-1413	83	26	1.372	1.372	NUM
asfbr-1413	83	27	.173	.173	NUM
asfbr-1413	84	1	-.114	-.114	NOUN
asfbr-1413	84	2	.624	.624	NUM
asfbr-1413	84	3	orpl	orpl	PROPN
asfbr-1413	84	4	.457	.457	NUM
asfbr-1413	84	5	.106	.106	NUM
asfbr-1413	84	6	.426	.426	NUM
asfbr-1413	84	7	4.317	4.317	NUM
asfbr-1413	84	8	.000	.000	NUM
asfbr-1413	84	9	.247	.247	NUM
asfbr-1413	84	10	.667	.667	NUM
asfbr-1413	84	11	.840	.840	NUM
asfbr-1413	84	12	.401	.401	NUM
asfbr-1413	84	13	.213	.213	NUM
asfbr-1413	84	14	ct	ct	NUM
asfbr-1413	84	15	.507	.507	NUM
asfbr-1413	84	16	.104	.104	NUM
asfbr-1413	84	17	.479	.479	NUM
asfbr-1413	84	18	4.861	4.861	NUM
asfbr-1413	84	19	.000	.000	NUM
asfbr-1413	84	20	.300	.300	NUM
asfbr-1413	84	21	.713	.713	NUM
asfbr-1413	84	22	.847	.847	NUM
asfbr-1413	84	23	.443	.443	NUM
asfbr-1413	84	24	.240	.240	NUM
asfbr-1413	84	25	a.	a.	PROPN
asfbr-1413	84	26	dependent	dependent	ADJ
asfbr-1413	84	27	variable	variable	NOUN
asfbr-1413	84	28	:	:	PUNCT
asfbr-1413	84	29	opd	opd	PROPN
asfbr-1413	84	30	the	the	DET
asfbr-1413	84	31	table	table	NOUN
asfbr-1413	84	32	shows	show	VERB
asfbr-1413	84	33	that	that	SCONJ
asfbr-1413	84	34	all	all	DET
asfbr-1413	84	35	the	the	DET
asfbr-1413	84	36	predicators	predicator	NOUN
asfbr-1413	84	37	are	be	AUX
asfbr-1413	84	38	significantly	significantly	ADV
asfbr-1413	84	39	correlated	correlate	VERB
asfbr-1413	84	40	with	with	ADP
asfbr-1413	84	41	dependent	dependent	ADJ
asfbr-1413	84	42	variable	variable	NOUN
asfbr-1413	84	43	.	.	PUNCT
asfbr-1413	85	1	online	online	ADJ
asfbr-1413	85	2	return	return	NOUN
asfbr-1413	85	3	policy	policy	NOUN
asfbr-1413	85	4	leniency	leniency	NOUN
asfbr-1413	85	5	is	be	AUX
asfbr-1413	85	6	0.457	0.457	NUM
asfbr-1413	85	7	that	that	PRON
asfbr-1413	85	8	shows	show	VERB
asfbr-1413	85	9	significantly	significantly	ADV
asfbr-1413	85	10	positive	positive	ADJ
asfbr-1413	85	11	impact	impact	NOUN
asfbr-1413	85	12	as	as	ADP
asfbr-1413	85	13	(	(	PUNCT
asfbr-1413	85	14	sig	sig	NOUN
asfbr-1413	85	15	>	>	X
asfbr-1413	85	16	0.05	0.05	NUM
asfbr-1413	85	17	)	)	PUNCT
asfbr-1413	85	18	on	on	ADP
asfbr-1413	85	19	internet	internet	NOUN
asfbr-1413	85	20	decision	decision	NOUN
asfbr-1413	85	21	of	of	ADP
asfbr-1413	85	22	purchase	purchase	NOUN
asfbr-1413	85	23	.	.	PUNCT
asfbr-1413	86	1	secondly	secondly	ADV
asfbr-1413	86	2	,	,	PUNCT
asfbr-1413	86	3	customer	customer	NOUN
asfbr-1413	86	4	trust	trust	NOUN
asfbr-1413	86	5	is	be	AUX
asfbr-1413	86	6	0.507	0.507	NUM
asfbr-1413	86	7	that	that	PRON
asfbr-1413	86	8	shows	show	VERB
asfbr-1413	86	9	significantly	significantly	ADV
asfbr-1413	86	10	positive	positive	ADJ
asfbr-1413	86	11	impact	impact	NOUN
asfbr-1413	86	12	as	as	ADP
asfbr-1413	86	13	(	(	PUNCT
asfbr-1413	86	14	sig	sig	NOUN
asfbr-1413	86	15	>	>	X
asfbr-1413	86	16	0.05	0.05	NUM
asfbr-1413	86	17	)	)	PUNCT
asfbr-1413	86	18	on	on	ADP
asfbr-1413	86	19	online	online	ADJ
asfbr-1413	86	20	purchase	purchase	NOUN
asfbr-1413	86	21	decision	decision	NOUN
asfbr-1413	86	22	.	.	PUNCT
asfbr-1413	87	1	regression	regression	NOUN
asfbr-1413	87	2	model	model	NOUN
asfbr-1413	87	3	:	:	PUNCT
asfbr-1413	87	4	the	the	DET
asfbr-1413	87	5	regression	regression	NOUN
asfbr-1413	87	6	equation	equation	NOUN
asfbr-1413	87	7	obtained	obtain	VERB
asfbr-1413	87	8	is	be	AUX
asfbr-1413	87	9	:	:	PUNCT
asfbr-1413	87	10	y	y	PROPN
asfbr-1413	87	11			PROPN
asfbr-1413	87	12	o	o	NOUN
asfbr-1413	87	13			VERB
asfbr-1413	87	14	1x1	1x1	PROPN
asfbr-1413	87	15			PROPN
asfbr-1413	87	16	2x2	2x2	PROPN
asfbr-1413	87	17	+	+	CCONJ
asfbr-1413	87	18	∈	∈	PROPN
asfbr-1413	87	19	y	y	NOUN
asfbr-1413	87	20			NUM
asfbr-1413	87	21	0.255	0.255	NUM
asfbr-1413	87	22			X
asfbr-1413	87	23	0.457x1	0.457x1	NUM
asfbr-1413	87	24			PROPN
asfbr-1413	87	25	0.507x2	0.507x2	NOUN
asfbr-1413	87	26	where	where	SCONJ
asfbr-1413	87	27	y	y	NOUN
asfbr-1413	87	28	=	=	PUNCT
asfbr-1413	87	29	dependent	dependent	ADJ
asfbr-1413	87	30	variable	variable	ADJ
asfbr-1413	87	31	online	online	ADJ
asfbr-1413	87	32	purchase	purchase	NOUN
asfbr-1413	87	33	decision	decision	NOUN
asfbr-1413	87	34	opd	opd	NOUN
asfbr-1413	87	35	o	o	NOUN
asfbr-1413	87	36	=	=	SYM
asfbr-1413	87	37	intercept	intercept	NOUN
asfbr-1413	87	38	1	1	NOUN
asfbr-1413	87	39	and	and	CCONJ
asfbr-1413	87	40	2	2	NOUN
asfbr-1413	87	41	=	=	X
asfbr-1413	87	42	slope	slope	NOUN
asfbr-1413	87	43	x1	x1	PROPN
asfbr-1413	87	44	and	and	CCONJ
asfbr-1413	87	45	x4	x4	PROPN
asfbr-1413	87	46	=	=	NOUN
asfbr-1413	87	47	independent	independent	ADJ
asfbr-1413	87	48	variables	variable	NOUN
asfbr-1413	87	49	online	online	ADJ
asfbr-1413	87	50	return	return	NOUN
asfbr-1413	87	51	policy	policy	NOUN
asfbr-1413	87	52	leniency	leniency	NOUN
asfbr-1413	87	53	orpl	orpl	NOUN
asfbr-1413	87	54	and	and	CCONJ
asfbr-1413	87	55	customer	customer	NOUN
asfbr-1413	87	56	trust	trust	PROPN
asfbr-1413	87	57	ct	ct	PROPN
asfbr-1413	87	58	∈=	∈=	PUNCT
asfbr-1413	87	59	residual	residual	ADJ
asfbr-1413	87	60	or	or	CCONJ
asfbr-1413	87	61	error	error	NOUN
asfbr-1413	87	62	term	term	NOUN
asfbr-1413	87	63	conclusion	conclusion	NOUN
asfbr-1413	87	64	conclusively	conclusively	ADV
asfbr-1413	87	65	,	,	PUNCT
asfbr-1413	87	66	this	this	DET
asfbr-1413	87	67	research	research	NOUN
asfbr-1413	87	68	categorically	categorically	ADV
asfbr-1413	87	69	confirmed	confirm	VERB
asfbr-1413	87	70	the	the	DET
asfbr-1413	87	71	impact	impact	NOUN
asfbr-1413	87	72	of	of	ADP
asfbr-1413	87	73	the	the	DET
asfbr-1413	87	74	purchasing	purchasing	NOUN
asfbr-1413	87	75	by	by	ADP
asfbr-1413	87	76	internet	internet	NOUN
asfbr-1413	87	77	retailer	retailer	NOUN
asfbr-1413	87	78	antecedents	antecedent	NOUN
asfbr-1413	87	79	i.e.	i.e.	X
asfbr-1413	87	80	,	,	PUNCT
asfbr-1413	87	81	internet	internet	NOUN
asfbr-1413	87	82	policy	policy	NOUN
asfbr-1413	87	83	of	of	ADP
asfbr-1413	87	84	return	return	NOUN
asfbr-1413	87	85	leniency	leniency	NOUN
asfbr-1413	87	86	and	and	CCONJ
asfbr-1413	87	87	trust	trust	NOUN
asfbr-1413	87	88	of	of	ADP
asfbr-1413	87	89	buyer	buyer	NOUN
asfbr-1413	87	90	on	on	ADP
asfbr-1413	87	91	internet	internet	NOUN
asfbr-1413	87	92	decision	decision	NOUN
asfbr-1413	87	93	of	of	ADP
asfbr-1413	87	94	purchase	purchase	NOUN
asfbr-1413	87	95	.	.	PUNCT
asfbr-1413	88	1	evidently	evidently	ADV
asfbr-1413	88	2	,	,	PUNCT
asfbr-1413	88	3	the	the	DET
asfbr-1413	88	4	pakistani	pakistani	ADJ
asfbr-1413	88	5	purchasing	purchasing	NOUN
asfbr-1413	88	6	by	by	ADP
asfbr-1413	88	7	internet	internet	NOUN
asfbr-1413	88	8	sector	sector	NOUN
asfbr-1413	88	9	in	in	ADP
asfbr-1413	88	10	order	order	NOUN
asfbr-1413	88	11	to	to	PART
asfbr-1413	88	12	investigate	investigate	VERB
asfbr-1413	88	13	antecedents	antecedent	NOUN
asfbr-1413	88	14	i.e.	i.e.	X
asfbr-1413	88	15	,	,	PUNCT
asfbr-1413	88	16	internet	internet	NOUN
asfbr-1413	88	17	policy	policy	NOUN
asfbr-1413	88	18	of	of	ADP
asfbr-1413	88	19	return	return	NOUN
asfbr-1413	88	20	leniency	leniency	NOUN
asfbr-1413	88	21	,	,	PUNCT
asfbr-1413	88	22	trust	trust	NOUN
asfbr-1413	88	23	of	of	ADP
asfbr-1413	88	24	buyer	buyer	NOUN
asfbr-1413	88	25	on	on	ADP
asfbr-1413	88	26	internet	internet	NOUN
asfbr-1413	88	27	decision	decision	NOUN
asfbr-1413	88	28	of	of	ADP
asfbr-1413	88	29	purchase	purchase	NOUN
asfbr-1413	88	30	factors	factor	NOUN
asfbr-1413	88	31	,	,	PUNCT
asfbr-1413	88	32	which	which	PRON
asfbr-1413	88	33	allows	allow	VERB
asfbr-1413	88	34	buyers	buyer	NOUN
asfbr-1413	88	35	get	get	VERB
asfbr-1413	88	36	stick	stick	NOUN
asfbr-1413	88	37	to	to	ADP
asfbr-1413	88	38	one	one	NUM
asfbr-1413	88	39	internet	internet	NOUN
asfbr-1413	88	40	retailing	retailing	NOUN
asfbr-1413	88	41	website	website	NOUN
asfbr-1413	88	42	.	.	PUNCT
asfbr-1413	89	1	as	as	ADP
asfbr-1413	89	2	the	the	DET
asfbr-1413	89	3	purchasing	purchasing	NOUN
asfbr-1413	89	4	by	by	ADP
asfbr-1413	89	5	internet	internet	NOUN
asfbr-1413	89	6	sector	sector	NOUN
asfbr-1413	89	7	business	business	NOUN
asfbr-1413	89	8	interested	interested	ADJ
asfbr-1413	89	9	in	in	ADP
asfbr-1413	89	10	high	high	ADJ
asfbr-1413	89	11	frequency	frequency	NOUN
asfbr-1413	89	12	purchasing	purchasing	NOUN
asfbr-1413	89	13	by	by	ADP
asfbr-1413	89	14	internet	internet	NOUN
asfbr-1413	89	15	retailer	retailer	NOUN
asfbr-1413	89	16	antecedents	antecedent	NOUN
asfbr-1413	89	17	due	due	ADP
asfbr-1413	89	18	to	to	ADP
asfbr-1413	89	19	the	the	DET
asfbr-1413	89	20	high	high	ADJ
asfbr-1413	89	21	competition	competition	NOUN
asfbr-1413	89	22	.	.	PUNCT
asfbr-1413	90	1	therefore	therefore	ADV
asfbr-1413	90	2	,	,	PUNCT
asfbr-1413	90	3	this	this	DET
asfbr-1413	90	4	research	research	NOUN
asfbr-1413	90	5	investigates	investigate	VERB
asfbr-1413	90	6	the	the	DET
asfbr-1413	90	7	impact	impact	NOUN
asfbr-1413	90	8	by	by	ADP
asfbr-1413	90	9	internet	internet	NOUN
asfbr-1413	90	10	website	website	NOUN
asfbr-1413	90	11	’s	’s	PART
asfbr-1413	90	12	policy	policy	NOUN
asfbr-1413	90	13	of	of	ADP
asfbr-1413	90	14	return	return	NOUN
asfbr-1413	90	15	antecedents	antecedent	NOUN
asfbr-1413	90	16	in	in	ADP
asfbr-1413	90	17	the	the	DET
asfbr-1413	90	18	context	context	NOUN
asfbr-1413	90	19	of	of	ADP
asfbr-1413	90	20	pakistan	pakistan	PROPN
asfbr-1413	90	21	,	,	PUNCT
asfbr-1413	90	22	which	which	PRON
asfbr-1413	90	23	is	be	AUX
asfbr-1413	90	24	valid	valid	ADJ
asfbr-1413	90	25	and	and	CCONJ
asfbr-1413	90	26	practically	practically	ADV
asfbr-1413	90	27	proved	proved	ADJ
asfbr-1413	90	28	.	.	PUNCT
asfbr-1413	91	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1413	91	2	asian	asian	PROPN
asfbr-1413	91	3	finance	finance	PROPN
asfbr-1413	91	4	&	&	CCONJ
asfbr-1413	91	5	banking	banking	PROPN
asfbr-1413	91	6	review	review	PROPN
asfbr-1413	91	7	vol	vol	NOUN
asfbr-1413	91	8	.	.	PROPN
asfbr-1413	92	1	5	5	NUM
asfbr-1413	92	2	,	,	PUNCT
asfbr-1413	92	3	no	no	INTJ
asfbr-1413	92	4	.	.	NOUN
asfbr-1413	92	5	1	1	NUM
asfbr-1413	92	6	;	;	PUNCT
asfbr-1413	92	7	2021	2021	NUM
asfbr-1413	92	8	36	36	NUM
asfbr-1413	92	9	where	where	SCONJ
asfbr-1413	92	10	,	,	PUNCT
asfbr-1413	92	11	threats	threat	NOUN
asfbr-1413	92	12	of	of	ADP
asfbr-1413	92	13	new	new	ADJ
asfbr-1413	92	14	entrant	entrant	NOUN
asfbr-1413	92	15	are	be	AUX
asfbr-1413	92	16	increasing	increase	VERB
asfbr-1413	92	17	day	day	NOUN
asfbr-1413	92	18	by	by	ADP
asfbr-1413	92	19	day	day	NOUN
asfbr-1413	92	20	.	.	PUNCT
asfbr-1413	93	1	already	already	ADV
asfbr-1413	93	2	there	there	PRON
asfbr-1413	93	3	is	be	VERB
asfbr-1413	93	4	huge	huge	ADJ
asfbr-1413	93	5	competition	competition	NOUN
asfbr-1413	93	6	exist	exist	VERB
asfbr-1413	93	7	in	in	ADP
asfbr-1413	93	8	this	this	DET
asfbr-1413	93	9	sector	sector	NOUN
asfbr-1413	93	10	which	which	PRON
asfbr-1413	93	11	getting	get	VERB
asfbr-1413	93	12	worse	bad	ADJ
asfbr-1413	93	13	competition	competition	NOUN
asfbr-1413	93	14	for	for	ADP
asfbr-1413	93	15	the	the	DET
asfbr-1413	93	16	sake	sake	NOUN
asfbr-1413	93	17	of	of	ADP
asfbr-1413	93	18	acquiring	acquire	VERB
asfbr-1413	93	19	maximum	maximum	ADJ
asfbr-1413	93	20	buyer	buyer	NOUN
asfbr-1413	93	21	i.e.	i.e.	X
asfbr-1413	93	22	,	,	PUNCT
asfbr-1413	93	23	market	market	NOUN
asfbr-1413	93	24	share	share	NOUN
asfbr-1413	93	25	in	in	ADP
asfbr-1413	93	26	this	this	DET
asfbr-1413	93	27	website	website	NOUN
asfbr-1413	93	28	retailing	retailing	NOUN
asfbr-1413	93	29	domain	domain	NOUN
asfbr-1413	93	30	towards	towards	ADP
asfbr-1413	93	31	pakistani	pakistani	ADJ
asfbr-1413	93	32	purchasing	purchasing	NOUN
asfbr-1413	93	33	by	by	ADP
asfbr-1413	93	34	internet	internet	NOUN
asfbr-1413	93	35	sector	sector	NOUN
asfbr-1413	93	36	.	.	PUNCT
asfbr-1413	94	1	for	for	ADP
asfbr-1413	94	2	the	the	DET
asfbr-1413	94	3	sake	sake	NOUN
asfbr-1413	94	4	of	of	ADP
asfbr-1413	94	5	market	market	NOUN
asfbr-1413	94	6	share	share	NOUN
asfbr-1413	94	7	and	and	CCONJ
asfbr-1413	94	8	new	new	ADJ
asfbr-1413	94	9	buyer	buyer	NOUN
asfbr-1413	94	10	attraction	attraction	NOUN
asfbr-1413	94	11	and	and	CCONJ
asfbr-1413	94	12	increasing	increase	VERB
asfbr-1413	94	13	retention	retention	NOUN
asfbr-1413	94	14	buyer	buyer	NOUN
asfbr-1413	94	15	rate	rate	NOUN
asfbr-1413	94	16	it	it	PRON
asfbr-1413	94	17	is	be	AUX
asfbr-1413	94	18	necessary	necessary	ADJ
asfbr-1413	94	19	to	to	PART
asfbr-1413	94	20	provide	provide	VERB
asfbr-1413	94	21	best	good	ADJ
asfbr-1413	94	22	policy	policy	NOUN
asfbr-1413	94	23	of	of	ADP
asfbr-1413	94	24	return	return	NOUN
asfbr-1413	94	25	in	in	ADP
asfbr-1413	94	26	the	the	DET
asfbr-1413	94	27	sector	sector	NOUN
asfbr-1413	94	28	for	for	ADP
asfbr-1413	94	29	respective	respective	ADJ
asfbr-1413	94	30	buyer	buyer	NOUN
asfbr-1413	94	31	and	and	CCONJ
asfbr-1413	94	32	then	then	ADV
asfbr-1413	94	33	attaining	attain	VERB
asfbr-1413	94	34	trust	trust	NOUN
asfbr-1413	94	35	of	of	ADP
asfbr-1413	94	36	buyer	buyer	NOUN
asfbr-1413	94	37	which	which	PRON
asfbr-1413	94	38	will	will	AUX
asfbr-1413	94	39	lead	lead	VERB
asfbr-1413	94	40	to	to	PART
asfbr-1413	94	41	attract	attract	VERB
asfbr-1413	94	42	buyer	buyer	NOUN
asfbr-1413	94	43	to	to	PART
asfbr-1413	94	44	purchase	purchase	VERB
asfbr-1413	94	45	again	again	ADV
asfbr-1413	94	46	and	and	CCONJ
asfbr-1413	94	47	generate	generate	VERB
asfbr-1413	94	48	higher	high	ADJ
asfbr-1413	94	49	returns	return	NOUN
asfbr-1413	94	50	.	.	PUNCT
asfbr-1413	95	1	hypothesis	hypothesis	NOUN
asfbr-1413	95	2	accepted	accept	VERB
asfbr-1413	95	3	or	or	CCONJ
asfbr-1413	95	4	rejected	reject	VERB
asfbr-1413	95	5	h1	h1	PROPN
asfbr-1413	95	6	:	:	PUNCT
asfbr-1413	95	7	there	there	PRON
asfbr-1413	95	8	is	be	VERB
asfbr-1413	95	9	positive	positive	ADJ
asfbr-1413	95	10	association	association	NOUN
asfbr-1413	95	11	between	between	ADP
asfbr-1413	95	12	lenient	lenient	ADJ
asfbr-1413	95	13	policy	policy	NOUN
asfbr-1413	95	14	of	of	ADP
asfbr-1413	95	15	return	return	NOUN
asfbr-1413	95	16	of	of	ADP
asfbr-1413	95	17	buyer	buyer	NOUN
asfbr-1413	95	18	and	and	CCONJ
asfbr-1413	95	19	internet	internet	NOUN
asfbr-1413	95	20	decision	decision	NOUN
asfbr-1413	95	21	of	of	ADP
asfbr-1413	95	22	purchase	purchase	NOUN
asfbr-1413	95	23	.	.	PUNCT
asfbr-1413	96	1	accepted	accept	VERB
asfbr-1413	96	2	h2	h2	NOUN
asfbr-1413	96	3	:	:	PUNCT
asfbr-1413	96	4	there	there	PRON
asfbr-1413	96	5	is	be	VERB
asfbr-1413	96	6	positive	positive	ADJ
asfbr-1413	96	7	association	association	NOUN
asfbr-1413	96	8	between	between	ADP
asfbr-1413	96	9	trust	trust	NOUN
asfbr-1413	96	10	of	of	ADP
asfbr-1413	96	11	buyer	buyer	NOUN
asfbr-1413	96	12	and	and	CCONJ
asfbr-1413	96	13	internet	internet	NOUN
asfbr-1413	96	14	decision	decision	NOUN
asfbr-1413	96	15	of	of	ADP
asfbr-1413	96	16	purchase	purchase	NOUN
asfbr-1413	96	17	accepted	accept	VERB
asfbr-1413	96	18	future	future	ADJ
asfbr-1413	96	19	recommendation	recommendation	NOUN
asfbr-1413	96	20	future	future	ADJ
asfbr-1413	96	21	research	research	NOUN
asfbr-1413	96	22	can	can	AUX
asfbr-1413	96	23	be	be	AUX
asfbr-1413	96	24	on	on	ADP
asfbr-1413	96	25	role	role	NOUN
asfbr-1413	96	26	of	of	ADP
asfbr-1413	96	27	third	third	ADJ
asfbr-1413	96	28	-	-	PUNCT
asfbr-1413	96	29	party	party	NOUN
asfbr-1413	96	30	ict	ict	NOUN
asfbr-1413	96	31	policy	policy	NOUN
asfbr-1413	96	32	of	of	ADP
asfbr-1413	96	33	return	return	NOUN
asfbr-1413	96	34	dimensions	dimension	NOUN
asfbr-1413	96	35	i.e.	i.e.	X
asfbr-1413	96	36	,	,	PUNCT
asfbr-1413	96	37	internet	internet	NOUN
asfbr-1413	96	38	policy	policy	NOUN
asfbr-1413	96	39	of	of	ADP
asfbr-1413	96	40	return	return	NOUN
asfbr-1413	96	41	leniency	leniency	NOUN
asfbr-1413	96	42	,	,	PUNCT
asfbr-1413	96	43	trust	trust	NOUN
asfbr-1413	96	44	of	of	ADP
asfbr-1413	96	45	buyer	buyer	NOUN
asfbr-1413	96	46	-	-	PUNCT
asfbr-1413	96	47	on	on	ADP
asfbr-1413	96	48	-	-	PUNCT
asfbr-1413	96	49	buyer	buyer	NOUN
asfbr-1413	96	50	policy	policy	NOUN
asfbr-1413	96	51	of	of	ADP
asfbr-1413	96	52	return	return	NOUN
asfbr-1413	96	53	with	with	ADP
asfbr-1413	96	54	significant	significant	ADJ
asfbr-1413	96	55	mediating	mediate	VERB
asfbr-1413	96	56	effect	effect	NOUN
asfbr-1413	96	57	of	of	ADP
asfbr-1413	96	58	buyer	buyer	NOUN
asfbr-1413	96	59	satisfaction	satisfaction	NOUN
asfbr-1413	96	60	with	with	ADP
asfbr-1413	96	61	provided	provide	VERB
asfbr-1413	96	62	policy	policy	NOUN
asfbr-1413	96	63	of	of	ADP
asfbr-1413	96	64	return	return	NOUN
asfbr-1413	96	65	in	in	ADP
asfbr-1413	96	66	local	local	ADJ
asfbr-1413	96	67	courier	courier	NOUN
asfbr-1413	96	68	sector	sector	NOUN
asfbr-1413	96	69	of	of	ADP
asfbr-1413	96	70	pakistan	pakistan	PROPN
asfbr-1413	96	71	.	.	PUNCT
asfbr-1413	97	1	secondly	secondly	ADV
asfbr-1413	97	2	,	,	PUNCT
asfbr-1413	97	3	research	research	NOUN
asfbr-1413	97	4	can	can	AUX
asfbr-1413	97	5	be	be	AUX
asfbr-1413	97	6	on	on	ADP
asfbr-1413	97	7	effect	effect	NOUN
asfbr-1413	97	8	of	of	ADP
asfbr-1413	97	9	intermediary	intermediary	NOUN
asfbr-1413	97	10	’s	’s	PART
asfbr-1413	97	11	policy	policy	NOUN
asfbr-1413	97	12	of	of	ADP
asfbr-1413	97	13	return	return	NOUN
asfbr-1413	97	14	factors	factor	NOUN
asfbr-1413	97	15	i.e.	i.e.	X
asfbr-1413	97	16	,	,	PUNCT
asfbr-1413	97	17	speed	speed	NOUN
asfbr-1413	97	18	,	,	PUNCT
asfbr-1413	97	19	responsiveness	responsiveness	NOUN
asfbr-1413	97	20	and	and	CCONJ
asfbr-1413	97	21	timelines	timeline	VERB
asfbr-1413	97	22	policy	policy	NOUN
asfbr-1413	97	23	of	of	ADP
asfbr-1413	97	24	return	return	NOUN
asfbr-1413	97	25	on	on	ADP
asfbr-1413	97	26	retailer	retailer	NOUN
asfbr-1413	97	27	policy	policy	NOUN
asfbr-1413	97	28	of	of	ADP
asfbr-1413	97	29	return	return	NOUN
asfbr-1413	97	30	with	with	ADP
asfbr-1413	97	31	significant	significant	ADJ
asfbr-1413	97	32	mediating	mediate	VERB
asfbr-1413	97	33	effect	effect	NOUN
asfbr-1413	97	34	of	of	ADP
asfbr-1413	97	35	retailer	retailer	NOUN
asfbr-1413	97	36	satisfaction	satisfaction	NOUN
asfbr-1413	97	37	with	with	ADP
asfbr-1413	97	38	provided	provide	VERB
asfbr-1413	97	39	policy	policy	NOUN
asfbr-1413	97	40	of	of	ADP
asfbr-1413	97	41	return	return	NOUN
asfbr-1413	97	42	in	in	ADP
asfbr-1413	97	43	local	local	ADJ
asfbr-1413	97	44	retailing	retailing	NOUN
asfbr-1413	97	45	sector	sector	NOUN
asfbr-1413	97	46	of	of	ADP
asfbr-1413	97	47	pakistan	pakistan	PROPN
asfbr-1413	97	48	.	.	PUNCT
asfbr-1413	98	1	lastly	lastly	ADV
asfbr-1413	98	2	,	,	PUNCT
asfbr-1413	98	3	research	research	NOUN
asfbr-1413	98	4	can	can	AUX
asfbr-1413	98	5	be	be	AUX
asfbr-1413	98	6	on	on	ADP
asfbr-1413	98	7	impact	impact	NOUN
asfbr-1413	98	8	of	of	ADP
asfbr-1413	98	9	third	third	ADJ
asfbr-1413	98	10	vendor	vendor	NOUN
asfbr-1413	98	11	managed	manage	VERB
asfbr-1413	98	12	inventory	inventory	NOUN
asfbr-1413	98	13	policy	policy	NOUN
asfbr-1413	98	14	of	of	ADP
asfbr-1413	98	15	return	return	NOUN
asfbr-1413	98	16	on	on	ADP
asfbr-1413	98	17	buyer	buyer	NOUN
asfbr-1413	98	18	loyalty	loyalty	NOUN
asfbr-1413	98	19	with	with	ADP
asfbr-1413	98	20	significant	significant	ADJ
asfbr-1413	98	21	mediating	mediate	VERB
asfbr-1413	98	22	effect	effect	NOUN
asfbr-1413	98	23	of	of	ADP
asfbr-1413	98	24	buyer	buyer	NOUN
asfbr-1413	98	25	satisfaction	satisfaction	NOUN
asfbr-1413	98	26	in	in	ADP
asfbr-1413	98	27	local	local	ADJ
asfbr-1413	98	28	restaurants	restaurant	NOUN
asfbr-1413	98	29	sector	sector	NOUN
asfbr-1413	98	30	of	of	ADP
asfbr-1413	98	31	pakistan	pakistan	PROPN
asfbr-1413	98	32	.	.	PUNCT
asfbr-1413	99	1	references	reference	NOUN
asfbr-1413	99	2	fang	fang	X
asfbr-1413	99	3	,	,	PUNCT
asfbr-1413	99	4	yulin	yulin	PROPN
asfbr-1413	99	5	&	&	CCONJ
asfbr-1413	99	6	qureshi	qureshi	PROPN
asfbr-1413	99	7	,	,	PUNCT
asfbr-1413	99	8	israr	israr	NOUN
asfbr-1413	99	9	&	&	CCONJ
asfbr-1413	99	10	ramsey	ramsey	PROPN
asfbr-1413	99	11	,	,	PUNCT
asfbr-1413	99	12	e.	e.	PROPN
asfbr-1413	99	13	&	&	CCONJ
asfbr-1413	99	14	mccole	mccole	PROPN
asfbr-1413	99	15	,	,	PUNCT
asfbr-1413	99	16	patrick	patrick	PROPN
asfbr-1413	99	17	&	&	CCONJ
asfbr-1413	99	18	compeau	compeau	PROPN
asfbr-1413	99	19	,	,	PUNCT
asfbr-1413	99	20	debbie	debbie	PROPN
asfbr-1413	99	21	&	&	CCONJ
asfbr-1413	99	22	ibbotson	ibbotson	PROPN
asfbr-1413	99	23	,	,	PUNCT
asfbr-1413	99	24	patrick	patrick	PROPN
asfbr-1413	99	25	.	.	PUNCT
asfbr-1413	99	26	(	(	PUNCT
asfbr-1413	99	27	2009	2009	NUM
asfbr-1413	99	28	)	)	PUNCT
asfbr-1413	99	29	.	.	PUNCT
asfbr-1413	100	1	understanding	understand	VERB
asfbr-1413	100	2	online	online	ADJ
asfbr-1413	100	3	customer	customer	NOUN
asfbr-1413	100	4	repurchasing	repurchasing	NOUN
asfbr-1413	100	5	intention	intention	NOUN
asfbr-1413	100	6	and	and	CCONJ
asfbr-1413	100	7	the	the	DET
asfbr-1413	100	8	mediating	mediate	VERB
asfbr-1413	100	9	role	role	NOUN
asfbr-1413	100	10	of	of	ADP
asfbr-1413	100	11	trust	trust	NOUN
asfbr-1413	100	12	–	–	PUNCT
asfbr-1413	100	13	an	an	DET
asfbr-1413	100	14	empirical	empirical	ADJ
asfbr-1413	100	15	investigation	investigation	NOUN
asfbr-1413	100	16	in	in	ADP
asfbr-1413	100	17	two	two	NUM
asfbr-1413	100	18	developed	develop	VERB
asfbr-1413	100	19	countries	country	NOUN
asfbr-1413	100	20	.	.	PUNCT
asfbr-1413	101	1	elaine	elaine	PROPN
asfbr-1413	101	2	ramsey	ramsey	PROPN
asfbr-1413	101	3	.	.	PUNCT
asfbr-1413	102	1	18	18	NUM
asfbr-1413	102	2	.	.	NOUN
asfbr-1413	102	3	10.1057	10.1057	NUM
asfbr-1413	102	4	/	/	SYM
asfbr-1413	102	5	ejis.2009.15	ejis.2009.15	NOUN
asfbr-1413	102	6	.	.	PUNCT
asfbr-1413	103	1	grazioli	grazioli	PROPN
asfbr-1413	103	2	,	,	PUNCT
asfbr-1413	103	3	stefano	stefano	PROPN
asfbr-1413	103	4	&	&	CCONJ
asfbr-1413	103	5	jarvenpaa	jarvenpaa	PROPN
asfbr-1413	103	6	,	,	PUNCT
asfbr-1413	103	7	sirkka	sirkka	NOUN
asfbr-1413	103	8	.	.	PUNCT
asfbr-1413	104	1	(	(	PUNCT
asfbr-1413	104	2	2003	2003	NUM
asfbr-1413	104	3	)	)	PUNCT
asfbr-1413	104	4	.	.	PUNCT
asfbr-1413	105	1	consumer	consumer	NOUN
asfbr-1413	105	2	and	and	CCONJ
asfbr-1413	105	3	business	business	NOUN
asfbr-1413	105	4	deception	deception	NOUN
asfbr-1413	105	5	on	on	ADP
asfbr-1413	105	6	the	the	DET
asfbr-1413	105	7	internet	internet	NOUN
asfbr-1413	105	8	:	:	PUNCT
asfbr-1413	105	9	content	content	VERB
asfbr-1413	105	10	analysis	analysis	NOUN
asfbr-1413	105	11	of	of	ADP
asfbr-1413	105	12	documentary	documentary	ADJ
asfbr-1413	105	13	evidence	evidence	NOUN
asfbr-1413	105	14	.	.	PUNCT
asfbr-1413	106	1	international	international	ADJ
asfbr-1413	106	2	journal	journal	PROPN
asfbr-1413	106	3	of	of	ADP
asfbr-1413	106	4	electronic	electronic	ADJ
asfbr-1413	106	5	commerce	commerce	NOUN
asfbr-1413	106	6	.	.	PUNCT
asfbr-1413	107	1	7	7	X
asfbr-1413	107	2	.	.	X
asfbr-1413	107	3	93	93	NUM
asfbr-1413	107	4	-	-	SYM
asfbr-1413	107	5	118	118	NUM
asfbr-1413	107	6	.	.	PUNCT
asfbr-1413	107	7	janakiraman	janakiraman	PROPN
asfbr-1413	107	8	,	,	PUNCT
asfbr-1413	107	9	narayan	narayan	PROPN
asfbr-1413	107	10	&	&	CCONJ
asfbr-1413	107	11	syrdal	syrdal	PROPN
asfbr-1413	107	12	,	,	PUNCT
asfbr-1413	107	13	holly	holly	PROPN
asfbr-1413	107	14	&	&	CCONJ
asfbr-1413	107	15	freling	freling	PROPN
asfbr-1413	107	16	,	,	PUNCT
asfbr-1413	107	17	ryan	ryan	PROPN
asfbr-1413	107	18	.	.	PUNCT
asfbr-1413	107	19	(	(	PUNCT
asfbr-1413	107	20	2015	2015	NUM
asfbr-1413	107	21	)	)	PUNCT
asfbr-1413	107	22	.	.	PUNCT
asfbr-1413	108	1	the	the	DET
asfbr-1413	108	2	effect	effect	NOUN
asfbr-1413	108	3	of	of	ADP
asfbr-1413	108	4	return	return	NOUN
asfbr-1413	108	5	policy	policy	NOUN
asfbr-1413	108	6	leniency	leniency	NOUN
asfbr-1413	108	7	on	on	ADP
asfbr-1413	108	8	consumer	consumer	NOUN
asfbr-1413	108	9	purchase	purchase	NOUN
asfbr-1413	108	10	and	and	CCONJ
asfbr-1413	108	11	return	return	VERB
asfbr-1413	108	12	decisions	decision	NOUN
asfbr-1413	108	13	:	:	PUNCT
asfbr-1413	108	14	a	a	DET
asfbr-1413	108	15	meta	meta	ADJ
asfbr-1413	108	16	-	-	PUNCT
asfbr-1413	108	17	analytic	analytic	ADJ
asfbr-1413	108	18	review	review	NOUN
asfbr-1413	108	19	.	.	PUNCT
asfbr-1413	109	1	journal	journal	PROPN
asfbr-1413	109	2	of	of	ADP
asfbr-1413	109	3	retailing	retailing	NOUN
asfbr-1413	109	4	.	.	PUNCT
asfbr-1413	110	1	10.1016	10.1016	NUM
asfbr-1413	110	2	/	/	SYM
asfbr-1413	110	3	j.jretai.2015.11.002	j.jretai.2015.11.002	PROPN
asfbr-1413	110	4	.	.	PUNCT
asfbr-1413	111	1	kumar	kumar	PROPN
asfbr-1413	111	2	,	,	PUNCT
asfbr-1413	111	3	v.	v.	PROPN
asfbr-1413	111	4	&	&	CCONJ
asfbr-1413	111	5	petersen	petersen	PROPN
asfbr-1413	111	6	,	,	PUNCT
asfbr-1413	111	7	j.	j.	PROPN
asfbr-1413	111	8	&	&	CCONJ
asfbr-1413	111	9	leone	leone	PROPN
asfbr-1413	111	10	,	,	PUNCT
asfbr-1413	111	11	robert	robert	PROPN
asfbr-1413	111	12	.	.	PROPN
asfbr-1413	111	13	(	(	PUNCT
asfbr-1413	111	14	2010	2010	NUM
asfbr-1413	111	15	)	)	PUNCT
asfbr-1413	111	16	.	.	PUNCT
asfbr-1413	112	1	driving	drive	VERB
asfbr-1413	112	2	profitability	profitability	NOUN
asfbr-1413	112	3	by	by	ADP
asfbr-1413	112	4	encouraging	encourage	VERB
asfbr-1413	112	5	customer	customer	NOUN
asfbr-1413	112	6	referrals	referral	NOUN
asfbr-1413	112	7	:	:	PUNCT
asfbr-1413	112	8	who	who	PRON
asfbr-1413	112	9	,	,	PUNCT
asfbr-1413	112	10	when	when	SCONJ
asfbr-1413	112	11	,	,	PUNCT
asfbr-1413	112	12	and	and	CCONJ
asfbr-1413	112	13	how	how	SCONJ
asfbr-1413	112	14	.	.	PUNCT
asfbr-1413	112	15	journal	journal	NOUN
asfbr-1413	112	16	of	of	ADP
asfbr-1413	112	17	marketing	marketing	NOUN
asfbr-1413	112	18	j	j	PROPN
asfbr-1413	112	19	marketing	marketing	NOUN
asfbr-1413	112	20	.	.	PUNCT
asfbr-1413	113	1	74	74	NUM
asfbr-1413	113	2	.	.	X
asfbr-1413	114	1	117	117	NUM
asfbr-1413	114	2	.	.	PUNCT
asfbr-1413	115	1	10.1509	10.1509	NUM
asfbr-1413	115	2	/	/	SYM
asfbr-1413	115	3	jmkg.74.5.1	jmkg.74.5.1	NUM
asfbr-1413	115	4	.	.	PUNCT
asfbr-1413	116	1	mahliza	mahliza	PROPN
asfbr-1413	116	2	,	,	PUNCT
asfbr-1413	116	3	febrina	febrina	PROPN
asfbr-1413	116	4	.	.	PUNCT
asfbr-1413	117	1	(	(	PUNCT
asfbr-1413	117	2	2020	2020	NUM
asfbr-1413	117	3	)	)	PUNCT
asfbr-1413	117	4	.	.	PUNCT
asfbr-1413	118	1	exploring	explore	VERB
asfbr-1413	118	2	trust	trust	NOUN
asfbr-1413	118	3	in	in	ADP
asfbr-1413	118	4	purchase	purchase	NOUN
asfbr-1413	118	5	intention	intention	NOUN
asfbr-1413	118	6	:	:	PUNCT
asfbr-1413	118	7	an	an	DET
asfbr-1413	118	8	empirical	empirical	ADJ
asfbr-1413	118	9	research	research	NOUN
asfbr-1413	118	10	on	on	ADP
asfbr-1413	118	11	agricultural	agricultural	ADJ
asfbr-1413	118	12	application	application	NOUN
asfbr-1413	118	13	.	.	PUNCT
asfbr-1413	119	1	10.2991	10.2991	NUM
asfbr-1413	119	2	/	/	SYM
asfbr-1413	119	3	aebmr.k.200205.015	aebmr.k.200205.015	PROPN
asfbr-1413	119	4	.	.	PUNCT
asfbr-1413	120	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1413	120	2	asian	asian	PROPN
asfbr-1413	120	3	finance	finance	PROPN
asfbr-1413	120	4	&	&	CCONJ
asfbr-1413	120	5	banking	banking	PROPN
asfbr-1413	120	6	review	review	PROPN
asfbr-1413	120	7	vol	vol	NOUN
asfbr-1413	120	8	.	.	PROPN
asfbr-1413	121	1	5	5	NUM
asfbr-1413	121	2	,	,	PUNCT
asfbr-1413	121	3	no	no	INTJ
asfbr-1413	121	4	.	.	NOUN
asfbr-1413	121	5	1	1	NUM
asfbr-1413	121	6	;	;	PUNCT
asfbr-1413	121	7	2021	2021	NUM
asfbr-1413	121	8	37	37	NUM
asfbr-1413	121	9	rogers	roger	NOUN
asfbr-1413	121	10	,	,	PUNCT
asfbr-1413	121	11	dale	dale	PROPN
asfbr-1413	121	12	&	&	CCONJ
asfbr-1413	121	13	lembke	lembke	PROPN
asfbr-1413	121	14	,	,	PUNCT
asfbr-1413	121	15	ronald	ronald	PROPN
asfbr-1413	121	16	.	.	PUNCT
asfbr-1413	122	1	(	(	PUNCT
asfbr-1413	122	2	2001	2001	NUM
asfbr-1413	122	3	)	)	PUNCT
asfbr-1413	122	4	.	.	PUNCT
asfbr-1413	123	1	an	an	DET
asfbr-1413	123	2	examination	examination	NOUN
asfbr-1413	123	3	of	of	ADP
asfbr-1413	123	4	reverse	reverse	ADJ
asfbr-1413	123	5	logistics	logistic	NOUN
asfbr-1413	123	6	practices	practice	NOUN
asfbr-1413	123	7	.	.	PUNCT
asfbr-1413	124	1	journal	journal	NOUN
asfbr-1413	124	2	of	of	ADP
asfbr-1413	124	3	business	business	NOUN
asfbr-1413	124	4	logistics	logistic	NOUN
asfbr-1413	124	5	.	.	PUNCT
asfbr-1413	125	1	22	22	NUM
asfbr-1413	125	2	.	.	PUNCT
asfbr-1413	126	1	129	129	NUM
asfbr-1413	126	2	148	148	NUM
asfbr-1413	126	3	.	.	PUNCT
asfbr-1413	127	1	10.1002	10.1002	NUM
asfbr-1413	127	2	/	/	SYM
asfbr-1413	127	3	j.2158	j.2158	PROPN
asfbr-1413	127	4	-	-	PUNCT
asfbr-1413	127	5	1592.2001.tb00007.x	1592.2001.tb00007.x	PROPN
asfbr-1413	127	6	.	.	PUNCT
asfbr-1413	128	1	wang	wang	PROPN
asfbr-1413	128	2	,	,	PUNCT
asfbr-1413	128	3	xianghong	xianghong	PROPN
asfbr-1413	128	4	.	.	PUNCT
asfbr-1413	129	1	(	(	PUNCT
asfbr-1413	129	2	2009	2009	NUM
asfbr-1413	129	3	)	)	PUNCT
asfbr-1413	129	4	.	.	PUNCT
asfbr-1413	130	1	retail	retail	ADJ
asfbr-1413	130	2	return	return	NOUN
asfbr-1413	130	3	policy	policy	NOUN
asfbr-1413	130	4	,	,	PUNCT
asfbr-1413	130	5	endowment	endowment	NOUN
asfbr-1413	130	6	effect	effect	NOUN
asfbr-1413	130	7	,	,	PUNCT
asfbr-1413	130	8	and	and	CCONJ
asfbr-1413	130	9	consumption	consumption	NOUN
asfbr-1413	130	10	propensity	propensity	NOUN
asfbr-1413	130	11	:	:	PUNCT
asfbr-1413	130	12	an	an	DET
asfbr-1413	130	13	experimental	experimental	ADJ
asfbr-1413	130	14	study	study	NOUN
asfbr-1413	130	15	.	.	PUNCT
asfbr-1413	131	1	the	the	DET
asfbr-1413	131	2	b.e	b.e	PROPN
asfbr-1413	131	3	.	.	PROPN
asfbr-1413	131	4	journal	journal	PROPN
asfbr-1413	131	5	of	of	ADP
asfbr-1413	131	6	economic	economic	ADJ
asfbr-1413	131	7	analysis	analysis	NOUN
asfbr-1413	131	8	&	&	CCONJ
asfbr-1413	131	9	policy	policy	NOUN
asfbr-1413	131	10	.	.	PUNCT
asfbr-1413	132	1	9	9	X
asfbr-1413	132	2	.	.	X
asfbr-1413	132	3	38	38	NUM
asfbr-1413	132	4	-	-	SYM
asfbr-1413	132	5	38	38	NUM
asfbr-1413	132	6	.	.	PUNCT
asfbr-1413	133	1	10.2202/1935	10.2202/1935	NUM
asfbr-1413	133	2	-	-	PUNCT
asfbr-1413	133	3	1682.2288	1682.2288	NUM
asfbr-1413	133	4	.	.	PUNCT
asfbr-1413	134	1	wood	wood	PROPN
asfbr-1413	134	2	,	,	PUNCT
asfbr-1413	134	3	stacy	stacy	NOUN
asfbr-1413	134	4	.	.	PUNCT
asfbr-1413	135	1	(	(	PUNCT
asfbr-1413	135	2	2001	2001	NUM
asfbr-1413	135	3	)	)	PUNCT
asfbr-1413	135	4	.	.	PUNCT
asfbr-1413	136	1	remote	remote	ADJ
asfbr-1413	136	2	purchase	purchase	NOUN
asfbr-1413	136	3	environments	environment	NOUN
asfbr-1413	136	4	:	:	PUNCT
asfbr-1413	136	5	the	the	DET
asfbr-1413	136	6	influence	influence	NOUN
asfbr-1413	136	7	of	of	ADP
asfbr-1413	136	8	return	return	NOUN
asfbr-1413	136	9	policy	policy	NOUN
asfbr-1413	136	10	leniency	leniency	NOUN
asfbr-1413	136	11	on	on	ADP
asfbr-1413	136	12	two	two	NUM
asfbr-1413	136	13	-	-	PUNCT
asfbr-1413	136	14	stage	stage	NOUN
asfbr-1413	136	15	decision	decision	NOUN
asfbr-1413	136	16	processes	process	NOUN
asfbr-1413	136	17	.	.	PUNCT
asfbr-1413	137	1	journal	journal	NOUN
asfbr-1413	137	2	of	of	ADP
asfbr-1413	137	3	marketing	marketing	NOUN
asfbr-1413	137	4	research	research	NOUN
asfbr-1413	137	5	j	j	PROPN
asfbr-1413	137	6	market	market	NOUN
asfbr-1413	137	7	reschicago	reschicago	VERB
asfbr-1413	137	8	.	.	PUNCT
asfbr-1413	138	1	38	38	NUM
asfbr-1413	138	2	.	.	X
asfbr-1413	139	1	157	157	NUM
asfbr-1413	139	2	-	-	SYM
asfbr-1413	139	3	169	169	NUM
asfbr-1413	139	4	.	.	PUNCT
asfbr-1413	140	1	10.1509	10.1509	NUM
asfbr-1413	140	2	/	/	SYM
asfbr-1413	140	3	jmkr.38.2.157.18847	jmkr.38.2.157.18847	PROPN
asfbr-1413	140	4	.	.	PUNCT
asfbr-1413	141	1	copyrights	copyright	VERB
asfbr-1413	141	2	copyright	copyright	NOUN
asfbr-1413	141	3	for	for	ADP
asfbr-1413	141	4	this	this	DET
asfbr-1413	141	5	article	article	NOUN
asfbr-1413	141	6	is	be	AUX
asfbr-1413	141	7	retained	retain	VERB
asfbr-1413	141	8	by	by	ADP
asfbr-1413	141	9	the	the	DET
asfbr-1413	141	10	author(s	author(s	PROPN
asfbr-1413	141	11	)	)	PUNCT
asfbr-1413	141	12	,	,	PUNCT
asfbr-1413	141	13	with	with	ADP
asfbr-1413	141	14	first	first	ADJ
asfbr-1413	141	15	publication	publication	NOUN
asfbr-1413	141	16	rights	right	NOUN
asfbr-1413	141	17	granted	grant	VERB
asfbr-1413	141	18	to	to	ADP
asfbr-1413	141	19	the	the	DET
asfbr-1413	141	20	journal	journal	NOUN
asfbr-1413	141	21	.	.	PUNCT
asfbr-1413	142	1	this	this	PRON
asfbr-1413	142	2	is	be	AUX
asfbr-1413	142	3	an	an	DET
asfbr-1413	142	4	open	open	ADJ
asfbr-1413	142	5	-	-	PUNCT
asfbr-1413	142	6	access	access	NOUN
asfbr-1413	142	7	article	article	NOUN
asfbr-1413	142	8	distributed	distribute	VERB
asfbr-1413	142	9	under	under	ADP
asfbr-1413	142	10	the	the	DET
asfbr-1413	142	11	terms	term	NOUN
asfbr-1413	142	12	and	and	CCONJ
asfbr-1413	142	13	conditions	condition	NOUN
asfbr-1413	142	14	of	of	ADP
asfbr-1413	142	15	the	the	DET
asfbr-1413	142	16	creative	creative	ADJ
asfbr-1413	142	17	commons	common	NOUN
asfbr-1413	142	18	attribution	attribution	NOUN
asfbr-1413	142	19	license	license	NOUN
asfbr-1413	142	20	(	(	PUNCT
asfbr-1413	142	21	https://creativecommons.org/licenses/by/4.0	https://creativecommons.org/licenses/by/4.0	X
asfbr-1413	142	22	)	)	PUNCT
