id	sid	tid	token	lemma	pos
asfbr-1414	1	1	asian	asian	PROPN
asfbr-1414	1	2	finance	finance	PROPN
asfbr-1414	1	3	&	&	CCONJ
asfbr-1414	1	4	banking	banking	PROPN
asfbr-1414	1	5	review	review	PROPN
asfbr-1414	1	6	vol	vol	NOUN
asfbr-1414	1	7	.	.	PROPN
asfbr-1414	1	8	5	5	NUM
asfbr-1414	1	9	,	,	PUNCT
asfbr-1414	1	10	no	no	INTJ
asfbr-1414	1	11	.	.	NOUN
asfbr-1414	1	12	1	1	NUM
asfbr-1414	1	13	;	;	PUNCT
asfbr-1414	1	14	2021	2021	NUM
asfbr-1414	1	15	issn	issn	VERB
asfbr-1414	1	16	2576	2576	NUM
asfbr-1414	1	17	-	-	SYM
asfbr-1414	1	18	1161	1161	NUM
asfbr-1414	1	19	e	e	NOUN
asfbr-1414	1	20	-	-	NOUN
asfbr-1414	1	21	issn	issn	PROPN
asfbr-1414	1	22	2576	2576	NUM
asfbr-1414	1	23	-	-	SYM
asfbr-1414	1	24	1188	1188	NUM
asfbr-1414	1	25	published	publish	VERB
asfbr-1414	1	26	by	by	ADP
asfbr-1414	1	27	cribfb	cribfb	PROPN
asfbr-1414	1	28	,	,	PUNCT
asfbr-1414	1	29	usa	usa	PROPN
asfbr-1414	1	30	38	38	NUM
asfbr-1414	1	31	economic	economic	ADJ
asfbr-1414	1	32	consequences	consequence	NOUN
asfbr-1414	1	33	and	and	CCONJ
asfbr-1414	1	34	variables	variable	NOUN
asfbr-1414	1	35	influencing	influence	VERB
asfbr-1414	1	36	the	the	DET
asfbr-1414	1	37	uptake	uptake	NOUN
asfbr-1414	1	38	of	of	ADP
asfbr-1414	1	39	mobile	mobile	ADJ
asfbr-1414	1	40	financial	financial	ADJ
asfbr-1414	1	41	service	service	NOUN
asfbr-1414	1	42	in	in	ADP
asfbr-1414	1	43	unbanking	unbanke	VERB
asfbr-1414	1	44	population	population	NOUN
asfbr-1414	1	45	like	like	ADP
asfbr-1414	1	46	pakistan	pakistan	PROPN
asfbr-1414	1	47	zara	zara	PROPN
asfbr-1414	1	48	younus	younus	PROPN
asfbr-1414	1	49	mba	mba	PROPN
asfbr-1414	1	50	in	in	ADP
asfbr-1414	1	51	finance	finance	PROPN
asfbr-1414	1	52	karachi	karachi	PROPN
asfbr-1414	1	53	university	university	PROPN
asfbr-1414	1	54	business	business	PROPN
asfbr-1414	1	55	school	school	PROPN
asfbr-1414	1	56	university	university	PROPN
asfbr-1414	1	57	of	of	ADP
asfbr-1414	1	58	karachi	karachi	PROPN
asfbr-1414	1	59	,	,	PUNCT
asfbr-1414	1	60	pakistan	pakistan	PROPN
asfbr-1414	1	61	e	e	PROPN
asfbr-1414	1	62	-	-	NOUN
asfbr-1414	1	63	mail	mail	NOUN
asfbr-1414	1	64	:	:	PUNCT
asfbr-1414	1	65	zara44younus@gmail.com	zara44younus@gmail.com	NUM
asfbr-1414	1	66	dr	dr	PROPN
asfbr-1414	1	67	.	.	PROPN
asfbr-1414	1	68	sohaib	sohaib	PROPN
asfbr-1414	1	69	uz	uz	PROPN
asfbr-1414	1	70	zaman	zaman	PROPN
asfbr-1414	1	71	assistant	assistant	PROPN
asfbr-1414	1	72	professor	professor	PROPN
asfbr-1414	1	73	karachi	karachi	PROPN
asfbr-1414	1	74	university	university	PROPN
asfbr-1414	1	75	business	business	PROPN
asfbr-1414	1	76	school	school	PROPN
asfbr-1414	1	77	university	university	PROPN
asfbr-1414	1	78	of	of	ADP
asfbr-1414	1	79	karachi	karachi	PROPN
asfbr-1414	1	80	,	,	PUNCT
asfbr-1414	1	81	pakistan	pakistan	PROPN
asfbr-1414	1	82	e	e	PROPN
asfbr-1414	1	83	-	-	NOUN
asfbr-1414	1	84	mail	mail	NOUN
asfbr-1414	1	85	:	:	PUNCT
asfbr-1414	1	86	sohaibuzzaman@uok.edu.pk	sohaibuzzaman@uok.edu.pk	VERB
asfbr-1414	1	87	abstract	abstract	ADJ
asfbr-1414	1	88	the	the	DET
asfbr-1414	1	89	growth	growth	NOUN
asfbr-1414	1	90	of	of	ADP
asfbr-1414	1	91	digital	digital	ADJ
asfbr-1414	1	92	mobile	mobile	ADJ
asfbr-1414	1	93	devices	device	NOUN
asfbr-1414	1	94	enables	enable	VERB
asfbr-1414	1	95	the	the	DET
asfbr-1414	1	96	world	world	NOUN
asfbr-1414	1	97	to	to	PART
asfbr-1414	1	98	integrate	integrate	VERB
asfbr-1414	1	99	and	and	CCONJ
asfbr-1414	1	100	enables	enable	VERB
asfbr-1414	1	101	the	the	DET
asfbr-1414	1	102	masses	masse	NOUN
asfbr-1414	1	103	to	to	PART
asfbr-1414	1	104	access	access	VERB
asfbr-1414	1	105	and	and	CCONJ
asfbr-1414	1	106	use	use	VERB
asfbr-1414	1	107	services	service	NOUN
asfbr-1414	1	108	with	with	ADP
asfbr-1414	1	109	optimism	optimism	NOUN
asfbr-1414	1	110	,	,	PUNCT
asfbr-1414	1	111	speed	speed	NOUN
asfbr-1414	1	112	and	and	CCONJ
asfbr-1414	1	113	efficiency	efficiency	NOUN
asfbr-1414	1	114	.	.	PUNCT
asfbr-1414	2	1	these	these	DET
asfbr-1414	2	2	developments	development	NOUN
asfbr-1414	2	3	are	be	AUX
asfbr-1414	2	4	on	on	ADP
asfbr-1414	2	5	the	the	DET
asfbr-1414	2	6	rise	rise	NOUN
asfbr-1414	2	7	in	in	ADP
asfbr-1414	2	8	pakistan	pakistan	PROPN
asfbr-1414	2	9	.	.	PUNCT
asfbr-1414	3	1	market	market	NOUN
asfbr-1414	3	2	opportunities	opportunity	NOUN
asfbr-1414	3	3	for	for	ADP
asfbr-1414	3	4	digital	digital	ADJ
asfbr-1414	3	5	financial	financial	ADJ
asfbr-1414	3	6	services	service	NOUN
asfbr-1414	3	7	in	in	ADP
asfbr-1414	3	8	pakistan	pakistan	PROPN
asfbr-1414	3	9	are	be	AUX
asfbr-1414	3	10	projected	project	VERB
asfbr-1414	3	11	to	to	PART
asfbr-1414	3	12	exceed	exceed	VERB
asfbr-1414	3	13	$	$	SYM
asfbr-1414	3	14	36	36	NUM
asfbr-1414	3	15	billion	billion	NUM
asfbr-1414	3	16	by	by	ADP
asfbr-1414	3	17	2025	2025	NUM
asfbr-1414	3	18	,	,	PUNCT
asfbr-1414	3	19	which	which	PRON
asfbr-1414	3	20	will	will	AUX
asfbr-1414	3	21	increase	increase	VERB
asfbr-1414	3	22	gdp	gdp	NOUN
asfbr-1414	3	23	by	by	ADP
asfbr-1414	3	24	7	7	NUM
asfbr-1414	3	25	%	%	NOUN
asfbr-1414	3	26	,	,	PUNCT
asfbr-1414	3	27	create	create	VERB
asfbr-1414	3	28	four	four	NUM
asfbr-1414	3	29	million	million	NUM
asfbr-1414	3	30	new	new	ADJ
asfbr-1414	3	31	jobs	job	NOUN
asfbr-1414	3	32	and	and	CCONJ
asfbr-1414	3	33	generate	generate	VERB
asfbr-1414	3	34	$	$	SYM
asfbr-1414	3	35	263	263	NUM
asfbr-1414	3	36	billion	billion	NUM
asfbr-1414	3	37	in	in	ADP
asfbr-1414	3	38	new	new	ADJ
asfbr-1414	3	39	deposits	deposit	NOUN
asfbr-1414	3	40	.	.	PUNCT
asfbr-1414	4	1	this	this	DET
asfbr-1414	4	2	power	power	NOUN
asfbr-1414	4	3	can	can	AUX
asfbr-1414	4	4	only	only	ADV
asfbr-1414	4	5	be	be	AUX
asfbr-1414	4	6	achieved	achieve	VERB
asfbr-1414	4	7	through	through	ADP
asfbr-1414	4	8	a	a	DET
asfbr-1414	4	9	robust	robust	ADJ
asfbr-1414	4	10	and	and	CCONJ
asfbr-1414	4	11	efficient	efficient	ADJ
asfbr-1414	4	12	dfs	dfs	PROPN
asfbr-1414	4	13	environment	environment	NOUN
asfbr-1414	4	14	.	.	PUNCT
asfbr-1414	5	1	although	although	SCONJ
asfbr-1414	5	2	pakistan	pakistan	PROPN
asfbr-1414	5	3	has	have	VERB
asfbr-1414	5	4	a	a	DET
asfbr-1414	5	5	dfs	dfs	PROPN
asfbr-1414	5	6	environment	environment	NOUN
asfbr-1414	5	7	,	,	PUNCT
asfbr-1414	5	8	it	it	PRON
asfbr-1414	5	9	is	be	AUX
asfbr-1414	5	10	unfortunate	unfortunate	ADJ
asfbr-1414	5	11	that	that	SCONJ
asfbr-1414	5	12	so	so	ADV
asfbr-1414	5	13	far	far	ADV
asfbr-1414	5	14	no	no	DET
asfbr-1414	5	15	research	research	NOUN
asfbr-1414	5	16	has	have	AUX
asfbr-1414	5	17	been	be	AUX
asfbr-1414	5	18	done	do	VERB
asfbr-1414	5	19	to	to	PART
asfbr-1414	5	20	determine	determine	VERB
asfbr-1414	5	21	and	and	CCONJ
asfbr-1414	5	22	analyze	analyze	VERB
asfbr-1414	5	23	the	the	DET
asfbr-1414	5	24	economic	economic	ADJ
asfbr-1414	5	25	impact	impact	NOUN
asfbr-1414	5	26	of	of	ADP
asfbr-1414	5	27	mobile	mobile	ADJ
asfbr-1414	5	28	banking	banking	NOUN
asfbr-1414	5	29	services	service	NOUN
asfbr-1414	5	30	as	as	ADV
asfbr-1414	5	31	well	well	ADV
asfbr-1414	5	32	as	as	ADP
asfbr-1414	5	33	factors	factor	NOUN
asfbr-1414	5	34	affecting	affect	VERB
asfbr-1414	5	35	their	their	PRON
asfbr-1414	5	36	use	use	NOUN
asfbr-1414	5	37	in	in	ADP
asfbr-1414	5	38	developing	develop	VERB
asfbr-1414	5	39	countries	country	NOUN
asfbr-1414	5	40	like	like	ADP
asfbr-1414	5	41	pakistan	pakistan	PROPN
asfbr-1414	5	42	,	,	PUNCT
asfbr-1414	5	43	to	to	ADP
asfbr-1414	5	44	this	this	DET
asfbr-1414	5	45	end	end	NOUN
asfbr-1414	5	46	,	,	PUNCT
asfbr-1414	5	47	the	the	DET
asfbr-1414	5	48	methodology	methodology	NOUN
asfbr-1414	5	49	part	part	NOUN
asfbr-1414	5	50	will	will	AUX
asfbr-1414	5	51	be	be	AUX
asfbr-1414	5	52	divided	divide	VERB
asfbr-1414	5	53	into	into	ADP
asfbr-1414	5	54	two	two	NUM
asfbr-1414	5	55	parts	part	NOUN
asfbr-1414	5	56	:	:	PUNCT
asfbr-1414	5	57	the	the	DET
asfbr-1414	5	58	first	first	ADJ
asfbr-1414	5	59	part	part	NOUN
asfbr-1414	5	60	will	will	AUX
asfbr-1414	5	61	focus	focus	VERB
asfbr-1414	5	62	on	on	ADP
asfbr-1414	5	63	the	the	DET
asfbr-1414	5	64	secondary	secondary	ADJ
asfbr-1414	5	65	data	datum	NOUN
asfbr-1414	5	66	to	to	PART
asfbr-1414	5	67	analyze	analyze	VERB
asfbr-1414	5	68	and	and	CCONJ
asfbr-1414	5	69	determine	determine	VERB
asfbr-1414	5	70	the	the	DET
asfbr-1414	5	71	impact	impact	NOUN
asfbr-1414	5	72	of	of	ADP
asfbr-1414	5	73	mobile	mobile	ADJ
asfbr-1414	5	74	banking	banking	NOUN
asfbr-1414	5	75	activity	activity	NOUN
asfbr-1414	5	76	on	on	ADP
asfbr-1414	5	77	gdp	gdp	PROPN
asfbr-1414	5	78	,	,	PUNCT
asfbr-1414	5	79	employment	employment	NOUN
asfbr-1414	5	80	,	,	PUNCT
asfbr-1414	5	81	government	government	NOUN
asfbr-1414	5	82	taxes	taxis	NOUN
asfbr-1414	5	83	for	for	ADP
asfbr-1414	5	84	support	support	NOUN
asfbr-1414	5	85	to	to	PART
asfbr-1414	5	86	reduce	reduce	VERB
asfbr-1414	5	87	non	non	ADJ
asfbr-1414	5	88	-	-	ADJ
asfbr-1414	5	89	banking	banking	ADJ
asfbr-1414	5	90	figures	figure	NOUN
asfbr-1414	5	91	in	in	ADP
asfbr-1414	5	92	pakistan	pakistan	PROPN
asfbr-1414	5	93	.	.	PUNCT
asfbr-1414	6	1	the	the	DET
asfbr-1414	6	2	second	second	ADJ
asfbr-1414	6	3	part	part	NOUN
asfbr-1414	6	4	will	will	AUX
asfbr-1414	6	5	focus	focus	VERB
asfbr-1414	6	6	on	on	ADP
asfbr-1414	6	7	the	the	DET
asfbr-1414	6	8	primary	primary	ADJ
asfbr-1414	6	9	data	datum	NOUN
asfbr-1414	6	10	that	that	PRON
asfbr-1414	6	11	will	will	AUX
asfbr-1414	6	12	be	be	AUX
asfbr-1414	6	13	used	use	VERB
asfbr-1414	6	14	to	to	PART
asfbr-1414	6	15	investigate	investigate	VERB
asfbr-1414	6	16	the	the	DET
asfbr-1414	6	17	influencing	influencing	NOUN
asfbr-1414	6	18	variables	variable	NOUN
asfbr-1414	6	19	on	on	ADP
asfbr-1414	6	20	the	the	DET
asfbr-1414	6	21	usage	usage	NOUN
asfbr-1414	6	22	of	of	ADP
asfbr-1414	6	23	mobile	mobile	ADJ
asfbr-1414	6	24	banking	banking	NOUN
asfbr-1414	6	25	services	service	NOUN
asfbr-1414	6	26	.	.	PUNCT
asfbr-1414	7	1	a	a	DET
asfbr-1414	7	2	self	self	NOUN
asfbr-1414	7	3	-	-	PUNCT
asfbr-1414	7	4	administered	administer	VERB
asfbr-1414	7	5	questionnaire	questionnaire	NOUN
asfbr-1414	7	6	has	have	AUX
asfbr-1414	7	7	been	be	AUX
asfbr-1414	7	8	developed	develop	VERB
asfbr-1414	7	9	with	with	ADP
asfbr-1414	7	10	250	250	NUM
asfbr-1414	7	11	respondents	respondent	NOUN
asfbr-1414	7	12	,	,	PUNCT
asfbr-1414	7	13	which	which	PRON
asfbr-1414	7	14	will	will	AUX
asfbr-1414	7	15	be	be	AUX
asfbr-1414	7	16	distributed	distribute	VERB
asfbr-1414	7	17	to	to	ADP
asfbr-1414	7	18	mobile	mobile	ADJ
asfbr-1414	7	19	money	money	NOUN
asfbr-1414	7	20	users	user	NOUN
asfbr-1414	7	21	to	to	PART
asfbr-1414	7	22	get	get	VERB
asfbr-1414	7	23	their	their	PRON
asfbr-1414	7	24	ideas	idea	NOUN
asfbr-1414	7	25	on	on	ADP
asfbr-1414	7	26	mobile	mobile	ADJ
asfbr-1414	7	27	banking	banking	NOUN
asfbr-1414	7	28	services	service	NOUN
asfbr-1414	7	29	.	.	PUNCT
asfbr-1414	8	1	its	its	PRON
asfbr-1414	8	2	results	result	NOUN
asfbr-1414	8	3	will	will	AUX
asfbr-1414	8	4	be	be	AUX
asfbr-1414	8	5	evaluated	evaluate	VERB
asfbr-1414	8	6	using	use	VERB
asfbr-1414	8	7	the	the	DET
asfbr-1414	8	8	pearson	pearson	NOUN
asfbr-1414	8	9	correlation	correlation	NOUN
asfbr-1414	8	10	and	and	CCONJ
asfbr-1414	8	11	multiple	multiple	ADJ
asfbr-1414	8	12	regressions	regression	NOUN
asfbr-1414	8	13	.	.	PUNCT
asfbr-1414	9	1	affective	affective	ADJ
asfbr-1414	9	2	factors	factor	NOUN
asfbr-1414	9	3	are	be	AUX
asfbr-1414	9	4	assessed	assess	VERB
asfbr-1414	9	5	under	under	ADP
asfbr-1414	9	6	five	five	NUM
asfbr-1414	9	7	factors	factor	NOUN
asfbr-1414	9	8	:	:	PUNCT
asfbr-1414	9	9	risk	risk	NOUN
asfbr-1414	9	10	,	,	PUNCT
asfbr-1414	9	11	perceived	perceive	VERB
asfbr-1414	9	12	trust	trust	NOUN
asfbr-1414	9	13	,	,	PUNCT
asfbr-1414	9	14	costeffectiveness	costeffectiveness	NOUN
asfbr-1414	9	15	,	,	PUNCT
asfbr-1414	9	16	accessibility	accessibility	NOUN
asfbr-1414	9	17	and	and	CCONJ
asfbr-1414	9	18	reliability	reliability	NOUN
asfbr-1414	9	19	using	use	VERB
asfbr-1414	9	20	biometric	biometric	ADJ
asfbr-1414	9	21	analysis	analysis	NOUN
asfbr-1414	9	22	method	method	NOUN
asfbr-1414	9	23	in	in	ADP
asfbr-1414	9	24	mobile	mobile	ADJ
asfbr-1414	9	25	banking	banking	NOUN
asfbr-1414	9	26	.	.	PUNCT
asfbr-1414	10	1	the	the	DET
asfbr-1414	10	2	study	study	NOUN
asfbr-1414	10	3	revealed	reveal	VERB
asfbr-1414	10	4	that	that	SCONJ
asfbr-1414	10	5	mobile	mobile	ADJ
asfbr-1414	10	6	financial	financial	ADJ
asfbr-1414	10	7	services	service	NOUN
asfbr-1414	10	8	had	have	VERB
asfbr-1414	10	9	positive	positive	ADJ
asfbr-1414	10	10	impact	impact	NOUN
asfbr-1414	10	11	on	on	ADP
asfbr-1414	10	12	the	the	DET
asfbr-1414	10	13	economic	economic	ADJ
asfbr-1414	10	14	indicators	indicator	NOUN
asfbr-1414	10	15	whereas	whereas	SCONJ
asfbr-1414	10	16	factors	factor	NOUN
asfbr-1414	10	17	like	like	ADP
asfbr-1414	10	18	perceived	perceive	VERB
asfbr-1414	10	19	trust	trust	NOUN
asfbr-1414	10	20	,	,	PUNCT
asfbr-1414	10	21	convenience	convenience	NOUN
asfbr-1414	10	22	and	and	CCONJ
asfbr-1414	10	23	perceived	perceive	VERB
asfbr-1414	10	24	risk	risk	NOUN
asfbr-1414	10	25	had	have	VERB
asfbr-1414	10	26	a	a	DET
asfbr-1414	10	27	significant	significant	ADJ
asfbr-1414	10	28	influence	influence	NOUN
asfbr-1414	10	29	on	on	ADP
asfbr-1414	10	30	the	the	DET
asfbr-1414	10	31	adoption	adoption	NOUN
asfbr-1414	10	32	of	of	ADP
asfbr-1414	10	33	mobile	mobile	ADJ
asfbr-1414	10	34	banking	banking	NOUN
asfbr-1414	10	35	services	service	NOUN
asfbr-1414	10	36	but	but	CCONJ
asfbr-1414	10	37	perceived	perceive	VERB
asfbr-1414	10	38	cost	cost	NOUN
asfbr-1414	10	39	and	and	CCONJ
asfbr-1414	10	40	reliability	reliability	NOUN
asfbr-1414	10	41	were	be	AUX
asfbr-1414	10	42	said	say	VERB
asfbr-1414	10	43	to	to	PART
asfbr-1414	10	44	have	have	VERB
asfbr-1414	10	45	insignificant	insignificant	ADJ
asfbr-1414	10	46	influence	influence	NOUN
asfbr-1414	10	47	on	on	ADP
asfbr-1414	10	48	its	its	PRON
asfbr-1414	10	49	adoption	adoption	NOUN
asfbr-1414	10	50	.	.	PUNCT
asfbr-1414	11	1	keywords	keyword	NOUN
asfbr-1414	11	2	:	:	PUNCT
asfbr-1414	11	3	mobile	mobile	ADJ
asfbr-1414	11	4	financial	financial	ADJ
asfbr-1414	11	5	services	service	NOUN
asfbr-1414	11	6	,	,	PUNCT
asfbr-1414	11	7	adoption	adoption	NOUN
asfbr-1414	11	8	,	,	PUNCT
asfbr-1414	11	9	economic	economic	ADJ
asfbr-1414	11	10	impact	impact	NOUN
asfbr-1414	11	11	,	,	PUNCT
asfbr-1414	11	12	pakistan	pakistan	PROPN
asfbr-1414	11	13	.	.	PUNCT
asfbr-1414	12	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	12	2	asian	asian	PROPN
asfbr-1414	12	3	finance	finance	PROPN
asfbr-1414	12	4	&	&	CCONJ
asfbr-1414	12	5	banking	banking	PROPN
asfbr-1414	12	6	review	review	PROPN
asfbr-1414	12	7	vol	vol	NOUN
asfbr-1414	12	8	.	.	PROPN
asfbr-1414	13	1	5	5	NUM
asfbr-1414	13	2	,	,	PUNCT
asfbr-1414	13	3	no	no	INTJ
asfbr-1414	13	4	.	.	NOUN
asfbr-1414	13	5	1	1	NUM
asfbr-1414	13	6	;	;	PUNCT
asfbr-1414	13	7	2021	2021	NUM
asfbr-1414	13	8	39	39	NUM
asfbr-1414	13	9	introduction	introduction	NOUN
asfbr-1414	13	10	individuals	individual	NOUN
asfbr-1414	13	11	in	in	ADP
asfbr-1414	13	12	need	need	NOUN
asfbr-1414	13	13	of	of	ADP
asfbr-1414	13	14	capital	capital	NOUN
asfbr-1414	13	15	may	may	AUX
asfbr-1414	13	16	be	be	AUX
asfbr-1414	13	17	unable	unable	ADJ
asfbr-1414	13	18	to	to	PART
asfbr-1414	13	19	receive	receive	VERB
asfbr-1414	13	20	it	it	PRON
asfbr-1414	13	21	due	due	ADP
asfbr-1414	13	22	to	to	ADP
asfbr-1414	13	23	a	a	DET
asfbr-1414	13	24	lack	lack	NOUN
asfbr-1414	13	25	of	of	ADP
asfbr-1414	13	26	access	access	NOUN
asfbr-1414	13	27	to	to	ADP
asfbr-1414	13	28	financial	financial	ADJ
asfbr-1414	13	29	services	service	NOUN
asfbr-1414	13	30	(	(	PUNCT
asfbr-1414	13	31	johnston	johnston	PROPN
asfbr-1414	13	32	&	&	CCONJ
asfbr-1414	13	33	murdoch	murdoch	PROPN
asfbr-1414	13	34	,	,	PUNCT
asfbr-1414	13	35	2008	2008	NUM
asfbr-1414	13	36	)	)	PUNCT
asfbr-1414	13	37	.	.	PUNCT
asfbr-1414	14	1	more	more	ADJ
asfbr-1414	14	2	inclusive	inclusive	ADJ
asfbr-1414	14	3	financial	financial	ADJ
asfbr-1414	14	4	institutions	institution	NOUN
asfbr-1414	14	5	can	can	AUX
asfbr-1414	14	6	help	help	VERB
asfbr-1414	14	7	the	the	DET
asfbr-1414	14	8	poor	poor	ADJ
asfbr-1414	14	9	smooth	smooth	VERB
asfbr-1414	14	10	their	their	PRON
asfbr-1414	14	11	cash	cash	NOUN
asfbr-1414	14	12	flows	flow	NOUN
asfbr-1414	14	13	and	and	CCONJ
asfbr-1414	14	14	safeguard	safeguard	VERB
asfbr-1414	14	15	them	they	PRON
asfbr-1414	14	16	from	from	ADP
asfbr-1414	14	17	economic	economic	ADJ
asfbr-1414	14	18	vulnerability	vulnerability	NOUN
asfbr-1414	14	19	due	due	ADP
asfbr-1414	14	20	to	to	ADP
asfbr-1414	14	21	disability	disability	NOUN
asfbr-1414	14	22	,	,	PUNCT
asfbr-1414	14	23	accidents	accident	NOUN
asfbr-1414	14	24	,	,	PUNCT
asfbr-1414	14	25	theft	theft	NOUN
asfbr-1414	14	26	,	,	PUNCT
asfbr-1414	14	27	and	and	CCONJ
asfbr-1414	14	28	unemployment	unemployment	NOUN
asfbr-1414	14	29	.	.	PUNCT
asfbr-1414	15	1	it	it	PRON
asfbr-1414	15	2	may	may	AUX
asfbr-1414	15	3	enable	enable	VERB
asfbr-1414	15	4	people	people	NOUN
asfbr-1414	15	5	to	to	PART
asfbr-1414	15	6	save	save	VERB
asfbr-1414	15	7	and	and	CCONJ
asfbr-1414	15	8	borrow	borrow	VERB
asfbr-1414	15	9	,	,	PUNCT
asfbr-1414	15	10	acquire	acquire	VERB
asfbr-1414	15	11	assets	asset	NOUN
asfbr-1414	15	12	,	,	PUNCT
asfbr-1414	15	13	and	and	CCONJ
asfbr-1414	15	14	make	make	VERB
asfbr-1414	15	15	investments	investment	NOUN
asfbr-1414	15	16	to	to	PART
asfbr-1414	15	17	change	change	VERB
asfbr-1414	15	18	their	their	PRON
asfbr-1414	15	19	lives	life	NOUN
asfbr-1414	15	20	(	(	PUNCT
asfbr-1414	15	21	world	world	PROPN
asfbr-1414	15	22	bank	bank	NOUN
asfbr-1414	15	23	,	,	PUNCT
asfbr-1414	15	24	2012)”.it	2012)”.it	PROPN
asfbr-1414	15	25	can	can	AUX
asfbr-1414	15	26	also	also	ADV
asfbr-1414	15	27	help	help	VERB
asfbr-1414	15	28	individuals	individual	NOUN
asfbr-1414	15	29	improve	improve	VERB
asfbr-1414	15	30	their	their	PRON
asfbr-1414	15	31	credit	credit	NOUN
asfbr-1414	15	32	risk	risk	NOUN
asfbr-1414	15	33	profiles	profile	NOUN
asfbr-1414	15	34	,	,	PUNCT
asfbr-1414	15	35	lowering	lower	VERB
asfbr-1414	15	36	the	the	DET
asfbr-1414	15	37	rates	rate	NOUN
asfbr-1414	15	38	they	they	PRON
asfbr-1414	15	39	have	have	VERB
asfbr-1414	15	40	to	to	PART
asfbr-1414	15	41	pay	pay	VERB
asfbr-1414	15	42	for	for	ADP
asfbr-1414	15	43	financial	financial	ADJ
asfbr-1414	15	44	services	service	NOUN
asfbr-1414	15	45	,	,	PUNCT
asfbr-1414	15	46	reducing	reduce	VERB
asfbr-1414	15	47	personal	personal	ADJ
asfbr-1414	15	48	stress	stress	NOUN
asfbr-1414	15	49	,	,	PUNCT
asfbr-1414	15	50	and	and	CCONJ
asfbr-1414	15	51	providing	provide	VERB
asfbr-1414	15	52	access	access	NOUN
asfbr-1414	15	53	to	to	ADP
asfbr-1414	15	54	lower	low	ADJ
asfbr-1414	15	55	-	-	PUNCT
asfbr-1414	15	56	cost	cost	NOUN
asfbr-1414	15	57	lending	lending	NOUN
asfbr-1414	15	58	sources	source	NOUN
asfbr-1414	15	59	(	(	PUNCT
asfbr-1414	15	60	caskey	caskey	PROPN
asfbr-1414	15	61	,	,	PUNCT
asfbr-1414	15	62	2002	2002	NUM
asfbr-1414	15	63	)	)	PUNCT
asfbr-1414	15	64	”	"	PUNCT
asfbr-1414	15	65	.	.	PUNCT
asfbr-1414	16	1	“	"	PUNCT
asfbr-1414	16	2	as	as	ADP
asfbr-1414	16	3	a	a	DET
asfbr-1414	16	4	result	result	NOUN
asfbr-1414	16	5	,	,	PUNCT
asfbr-1414	16	6	increasing	increase	VERB
asfbr-1414	16	7	access	access	NOUN
asfbr-1414	16	8	to	to	ADP
asfbr-1414	16	9	financial	financial	ADJ
asfbr-1414	16	10	services	service	NOUN
asfbr-1414	16	11	is	be	AUX
asfbr-1414	16	12	crucial	crucial	ADJ
asfbr-1414	16	13	for	for	ADP
asfbr-1414	16	14	development	development	NOUN
asfbr-1414	16	15	since	since	SCONJ
asfbr-1414	16	16	it	it	PRON
asfbr-1414	16	17	can	can	AUX
asfbr-1414	16	18	boost	boost	VERB
asfbr-1414	16	19	economic	economic	ADJ
asfbr-1414	16	20	growth	growth	NOUN
asfbr-1414	16	21	and	and	CCONJ
asfbr-1414	16	22	minimise	minimise	NOUN
asfbr-1414	16	23	wealth	wealth	NOUN
asfbr-1414	16	24	gaps	gap	NOUN
asfbr-1414	16	25	.	.	PUNCT
asfbr-1414	17	1	however	however	ADV
asfbr-1414	17	2	,	,	PUNCT
asfbr-1414	17	3	more	more	ADJ
asfbr-1414	17	4	than	than	ADP
asfbr-1414	17	5	half	half	NOUN
asfbr-1414	17	6	of	of	ADP
asfbr-1414	17	7	the	the	DET
asfbr-1414	17	8	world	world	NOUN
asfbr-1414	17	9	's	's	PART
asfbr-1414	17	10	population	population	NOUN
asfbr-1414	17	11	is	be	AUX
asfbr-1414	17	12	still	still	ADV
asfbr-1414	17	13	unbanked	unbanked	ADJ
asfbr-1414	17	14	,	,	PUNCT
asfbr-1414	17	15	which	which	PRON
asfbr-1414	17	16	means	mean	VERB
asfbr-1414	17	17	they	they	PRON
asfbr-1414	17	18	lack	lack	VERB
asfbr-1414	17	19	access	access	NOUN
asfbr-1414	17	20	to	to	ADP
asfbr-1414	17	21	official	official	ADJ
asfbr-1414	17	22	financial	financial	ADJ
asfbr-1414	17	23	institutions	institution	NOUN
asfbr-1414	17	24	for	for	ADP
asfbr-1414	17	25	saving	save	VERB
asfbr-1414	17	26	and	and	CCONJ
asfbr-1414	17	27	borrowing	borrowing	NOUN
asfbr-1414	17	28	(	(	PUNCT
asfbr-1414	17	29	chala	chala	NOUN
asfbr-1414	17	30	et	et	PROPN
asfbr-1414	17	31	al	al	PROPN
asfbr-1414	17	32	.	.	PROPN
asfbr-1414	17	33	,	,	PUNCT
asfbr-1414	17	34	2009	2009	NUM
asfbr-1414	17	35	)	)	PUNCT
asfbr-1414	17	36	”	"	PUNCT
asfbr-1414	17	37	.	.	PUNCT
asfbr-1414	18	1	this	this	PRON
asfbr-1414	18	2	was	be	AUX
asfbr-1414	18	3	corroborated	corroborate	VERB
asfbr-1414	18	4	by	by	ADP
asfbr-1414	18	5	a	a	DET
asfbr-1414	18	6	2012	2012	NUM
asfbr-1414	18	7	world	world	NOUN
asfbr-1414	18	8	bank	bank	NOUN
asfbr-1414	18	9	study	study	NOUN
asfbr-1414	18	10	,	,	PUNCT
asfbr-1414	18	11	which	which	PRON
asfbr-1414	18	12	discovered	discover	VERB
asfbr-1414	18	13	that	that	SCONJ
asfbr-1414	18	14	just	just	ADV
asfbr-1414	18	15	around	around	ADP
asfbr-1414	18	16	half	half	NOUN
asfbr-1414	18	17	of	of	ADP
asfbr-1414	18	18	the	the	DET
asfbr-1414	18	19	world	world	NOUN
asfbr-1414	18	20	's	's	PART
asfbr-1414	18	21	adult	adult	NOUN
asfbr-1414	18	22	population	population	NOUN
asfbr-1414	18	23	(	(	PUNCT
asfbr-1414	18	24	51	51	NUM
asfbr-1414	18	25	%	%	NOUN
asfbr-1414	18	26	)	)	PUNCT
asfbr-1414	18	27	held	hold	VERB
asfbr-1414	18	28	accounts	account	NOUN
asfbr-1414	18	29	with	with	ADP
asfbr-1414	18	30	a	a	DET
asfbr-1414	18	31	formal	formal	ADJ
asfbr-1414	18	32	financial	financial	ADJ
asfbr-1414	18	33	institution	institution	NOUN
asfbr-1414	18	34	.	.	PUNCT
asfbr-1414	19	1	lower	low	ADJ
asfbr-1414	19	2	rates	rate	NOUN
asfbr-1414	19	3	are	be	AUX
asfbr-1414	19	4	found	find	VERB
asfbr-1414	19	5	in	in	ADP
asfbr-1414	19	6	middle	middle	ADJ
asfbr-1414	19	7	-	-	PUNCT
asfbr-1414	19	8	income	income	NOUN
asfbr-1414	19	9	(	(	PUNCT
asfbr-1414	19	10	43	43	NUM
asfbr-1414	19	11	%	%	NOUN
asfbr-1414	19	12	)	)	PUNCT
asfbr-1414	19	13	and	and	CCONJ
asfbr-1414	19	14	low	low	ADJ
asfbr-1414	19	15	-	-	PUNCT
asfbr-1414	19	16	income	income	NOUN
asfbr-1414	19	17	(	(	PUNCT
asfbr-1414	19	18	23	23	NUM
asfbr-1414	19	19	%	%	NOUN
asfbr-1414	19	20	)	)	PUNCT
asfbr-1414	19	21	countries	country	NOUN
asfbr-1414	19	22	(	(	PUNCT
asfbr-1414	19	23	world	world	PROPN
asfbr-1414	19	24	bank	bank	PROPN
asfbr-1414	19	25	,	,	PUNCT
asfbr-1414	19	26	2012	2012	NUM
asfbr-1414	19	27	)	)	PUNCT
asfbr-1414	19	28	.	.	PUNCT
asfbr-1414	20	1	because	because	SCONJ
asfbr-1414	20	2	of	of	ADP
asfbr-1414	20	3	the	the	DET
asfbr-1414	20	4	rising	rise	VERB
asfbr-1414	20	5	use	use	NOUN
asfbr-1414	20	6	of	of	ADP
asfbr-1414	20	7	mobile	mobile	ADJ
asfbr-1414	20	8	phones	phone	NOUN
asfbr-1414	20	9	in	in	ADP
asfbr-1414	20	10	developing	develop	VERB
asfbr-1414	20	11	countries	country	NOUN
asfbr-1414	20	12	,	,	PUNCT
asfbr-1414	20	13	there	there	PRON
asfbr-1414	20	14	has	have	AUX
asfbr-1414	20	15	been	be	AUX
asfbr-1414	20	16	a	a	DET
asfbr-1414	20	17	lot	lot	NOUN
asfbr-1414	20	18	of	of	ADP
asfbr-1414	20	19	interest	interest	NOUN
asfbr-1414	20	20	in	in	ADP
asfbr-1414	20	21	using	use	VERB
asfbr-1414	20	22	mobile	mobile	ADJ
asfbr-1414	20	23	phones	phone	NOUN
asfbr-1414	20	24	to	to	PART
asfbr-1414	20	25	reach	reach	VERB
asfbr-1414	20	26	the	the	DET
asfbr-1414	20	27	unbanked	unbanked	NOUN
asfbr-1414	20	28	,	,	PUNCT
asfbr-1414	20	29	particularly	particularly	ADV
asfbr-1414	20	30	through	through	ADP
asfbr-1414	20	31	the	the	DET
asfbr-1414	20	32	implementation	implementation	NOUN
asfbr-1414	20	33	of	of	ADP
asfbr-1414	20	34	mobile	mobile	ADJ
asfbr-1414	20	35	phone	phone	NOUN
asfbr-1414	20	36	-	-	PUNCT
asfbr-1414	20	37	based	base	VERB
asfbr-1414	20	38	financial	financial	ADJ
asfbr-1414	20	39	services	service	NOUN
asfbr-1414	20	40	.	.	PUNCT
asfbr-1414	20	41	.	.	PUNCT
asfbr-1414	21	1	for	for	ADP
asfbr-1414	21	2	example	example	NOUN
asfbr-1414	21	3	,	,	PUNCT
asfbr-1414	21	4	it	it	PRON
asfbr-1414	21	5	was	be	AUX
asfbr-1414	21	6	stated	state	VERB
asfbr-1414	21	7	in	in	ADP
asfbr-1414	21	8	2009	2009	NUM
asfbr-1414	21	9	that	that	SCONJ
asfbr-1414	21	10	1	1	NUM
asfbr-1414	21	11	billion	billion	NUM
asfbr-1414	21	12	people	people	NOUN
asfbr-1414	21	13	lacked	lack	VERB
asfbr-1414	21	14	access	access	NOUN
asfbr-1414	21	15	to	to	ADP
asfbr-1414	21	16	banks	bank	NOUN
asfbr-1414	21	17	but	but	CCONJ
asfbr-1414	21	18	did	do	AUX
asfbr-1414	21	19	have	have	VERB
asfbr-1414	21	20	access	access	NOUN
asfbr-1414	21	21	to	to	ADP
asfbr-1414	21	22	mobile	mobile	ADJ
asfbr-1414	21	23	phones	phone	NOUN
asfbr-1414	21	24	,	,	PUNCT
asfbr-1414	21	25	with	with	SCONJ
asfbr-1414	21	26	this	this	DET
asfbr-1414	21	27	figure	figure	NOUN
asfbr-1414	21	28	predicted	predict	VERB
asfbr-1414	21	29	to	to	PART
asfbr-1414	21	30	climb	climb	VERB
asfbr-1414	21	31	to	to	ADP
asfbr-1414	21	32	1.7	1.7	NUM
asfbr-1414	21	33	billion	billion	NUM
asfbr-1414	21	34	by	by	ADP
asfbr-1414	21	35	2012	2012	NUM
asfbr-1414	21	36	(	(	PUNCT
asfbr-1414	21	37	picken	picken	PROPN
asfbr-1414	21	38	,	,	PUNCT
asfbr-1414	21	39	2009	2009	NUM
asfbr-1414	21	40	;	;	PUNCT
asfbr-1414	21	41	islam	islam	PROPN
asfbr-1414	21	42	&	&	CCONJ
asfbr-1414	21	43	salma	salma	PROPN
asfbr-1414	21	44	,	,	PUNCT
asfbr-1414	21	45	2016	2016	NUM
asfbr-1414	21	46	)	)	PUNCT
asfbr-1414	21	47	.	.	PUNCT
asfbr-1414	22	1	in	in	ADP
asfbr-1414	22	2	recent	recent	ADJ
asfbr-1414	22	3	years	year	NOUN
asfbr-1414	22	4	,	,	PUNCT
asfbr-1414	22	5	there	there	PRON
asfbr-1414	22	6	has	have	AUX
asfbr-1414	22	7	been	be	AUX
asfbr-1414	22	8	a	a	DET
asfbr-1414	22	9	lot	lot	NOUN
asfbr-1414	22	10	of	of	ADP
asfbr-1414	22	11	investment	investment	NOUN
asfbr-1414	22	12	in	in	ADP
asfbr-1414	22	13	mobile	mobile	ADJ
asfbr-1414	22	14	phone	phone	NOUN
asfbr-1414	22	15	-	-	PUNCT
asfbr-1414	22	16	based	base	VERB
asfbr-1414	22	17	financial	financial	ADJ
asfbr-1414	22	18	services	service	NOUN
asfbr-1414	22	19	technologies	technology	NOUN
asfbr-1414	22	20	,	,	PUNCT
asfbr-1414	22	21	as	as	ADV
asfbr-1414	22	22	well	well	ADV
asfbr-1414	22	23	as	as	ADP
asfbr-1414	22	24	debate	debate	NOUN
asfbr-1414	22	25	about	about	ADP
asfbr-1414	22	26	the	the	DET
asfbr-1414	22	27	potential	potential	ADJ
asfbr-1414	22	28	support	support	NOUN
asfbr-1414	22	29	for	for	ADP
asfbr-1414	22	30	the	the	DET
asfbr-1414	22	31	poor	poor	ADJ
asfbr-1414	22	32	and	and	CCONJ
asfbr-1414	22	33	financially	financially	ADV
asfbr-1414	22	34	excluded	exclude	VERB
asfbr-1414	22	35	(	(	PUNCT
asfbr-1414	22	36	porteous	porteous	NOUN
asfbr-1414	22	37	,	,	PUNCT
asfbr-1414	22	38	2006	2006	NUM
asfbr-1414	22	39	;	;	PUNCT
asfbr-1414	22	40	porteous	porteous	NOUN
asfbr-1414	22	41	&	&	CCONJ
asfbr-1414	22	42	wishart	wishart	PROPN
asfbr-1414	22	43	,	,	PUNCT
asfbr-1414	22	44	2006	2006	NUM
asfbr-1414	22	45	;	;	PUNCT
asfbr-1414	23	1	vodafone	vodafone	NOUN
asfbr-1414	23	2	,	,	PUNCT
asfbr-1414	23	3	2007	2007	NUM
asfbr-1414	23	4	;	;	PUNCT
asfbr-1414	23	5	bengens	bengens	PROPN
asfbr-1414	23	6	&	&	CCONJ
asfbr-1414	23	7	soderberg	soderberg	PROPN
asfbr-1414	23	8	,	,	PUNCT
asfbr-1414	23	9	2008	2008	NUM
asfbr-1414	23	10	)	)	PUNCT
asfbr-1414	23	11	.	.	PUNCT
asfbr-1414	24	1	one	one	NUM
asfbr-1414	24	2	of	of	ADP
asfbr-1414	24	3	the	the	DET
asfbr-1414	24	4	expected	expect	VERB
asfbr-1414	24	5	benefits	benefit	NOUN
asfbr-1414	24	6	of	of	ADP
asfbr-1414	24	7	using	use	VERB
asfbr-1414	24	8	mobile	mobile	ADJ
asfbr-1414	24	9	financial	financial	ADJ
asfbr-1414	24	10	services	service	NOUN
asfbr-1414	24	11	is	be	AUX
asfbr-1414	24	12	the	the	DET
asfbr-1414	24	13	ability	ability	NOUN
asfbr-1414	24	14	to	to	PART
asfbr-1414	24	15	send	send	VERB
asfbr-1414	24	16	money	money	NOUN
asfbr-1414	24	17	over	over	ADP
asfbr-1414	24	18	vast	vast	ADJ
asfbr-1414	24	19	distances	distance	NOUN
asfbr-1414	24	20	,	,	PUNCT
asfbr-1414	24	21	particularly	particularly	ADV
asfbr-1414	24	22	little	little	ADJ
asfbr-1414	24	23	amounts	amount	NOUN
asfbr-1414	24	24	of	of	ADP
asfbr-1414	24	25	money	money	NOUN
asfbr-1414	24	26	,	,	PUNCT
asfbr-1414	24	27	at	at	ADP
asfbr-1414	24	28	a	a	DET
asfbr-1414	24	29	lesser	less	ADJ
asfbr-1414	24	30	cost	cost	NOUN
asfbr-1414	24	31	than	than	ADP
asfbr-1414	24	32	other	other	ADJ
asfbr-1414	24	33	options	option	NOUN
asfbr-1414	24	34	available	available	ADJ
asfbr-1414	24	35	to	to	ADP
asfbr-1414	24	36	the	the	DET
asfbr-1414	24	37	poor	poor	ADJ
asfbr-1414	24	38	.	.	PUNCT
asfbr-1414	25	1	furthermore	furthermore	ADV
asfbr-1414	25	2	,	,	PUNCT
asfbr-1414	25	3	it	it	PRON
asfbr-1414	25	4	was	be	AUX
asfbr-1414	25	5	thought	think	VERB
asfbr-1414	25	6	that	that	SCONJ
asfbr-1414	25	7	by	by	ADP
asfbr-1414	25	8	providing	provide	VERB
asfbr-1414	25	9	financial	financial	ADJ
asfbr-1414	25	10	services	service	NOUN
asfbr-1414	25	11	to	to	ADP
asfbr-1414	25	12	the	the	DET
asfbr-1414	25	13	financially	financially	ADV
asfbr-1414	25	14	excluded	exclude	VERB
asfbr-1414	25	15	via	via	ADP
asfbr-1414	25	16	mobile	mobile	ADJ
asfbr-1414	25	17	phone	phone	NOUN
asfbr-1414	25	18	networks	network	NOUN
asfbr-1414	25	19	,	,	PUNCT
asfbr-1414	25	20	the	the	DET
asfbr-1414	25	21	poor	poor	ADJ
asfbr-1414	25	22	would	would	AUX
asfbr-1414	25	23	benefit	benefit	VERB
asfbr-1414	25	24	from	from	ADP
asfbr-1414	25	25	higher	high	ADJ
asfbr-1414	25	26	savings	saving	NOUN
asfbr-1414	25	27	rates	rate	NOUN
asfbr-1414	25	28	,	,	PUNCT
asfbr-1414	25	29	higher	high	ADJ
asfbr-1414	25	30	income	income	NOUN
asfbr-1414	25	31	,	,	PUNCT
asfbr-1414	25	32	and	and	CCONJ
asfbr-1414	25	33	greater	great	ADJ
asfbr-1414	25	34	financial	financial	ADJ
asfbr-1414	25	35	stress	stress	NOUN
asfbr-1414	25	36	,	,	PUNCT
asfbr-1414	25	37	among	among	ADP
asfbr-1414	25	38	other	other	ADJ
asfbr-1414	25	39	things	thing	NOUN
asfbr-1414	25	40	(	(	PUNCT
asfbr-1414	25	41	donner	donner	PROPN
asfbr-1414	25	42	&	&	CCONJ
asfbr-1414	25	43	tellez	tellez	PROPN
asfbr-1414	25	44	,	,	PUNCT
asfbr-1414	25	45	2008	2008	NUM
asfbr-1414	25	46	)	)	PUNCT
asfbr-1414	25	47	.	.	PUNCT
asfbr-1414	26	1	this	this	DET
asfbr-1414	26	2	initiative	initiative	NOUN
asfbr-1414	26	3	was	be	AUX
asfbr-1414	26	4	intended	intend	VERB
asfbr-1414	26	5	to	to	PART
asfbr-1414	26	6	expand	expand	VERB
asfbr-1414	26	7	access	access	NOUN
asfbr-1414	26	8	to	to	ADP
asfbr-1414	26	9	formal	formal	ADJ
asfbr-1414	26	10	credit	credit	NOUN
asfbr-1414	26	11	while	while	SCONJ
asfbr-1414	26	12	lowering	lower	VERB
asfbr-1414	26	13	the	the	DET
asfbr-1414	26	14	cost	cost	NOUN
asfbr-1414	26	15	of	of	ADP
asfbr-1414	26	16	providing	provide	VERB
asfbr-1414	26	17	them	they	PRON
asfbr-1414	26	18	.	.	PUNCT
asfbr-1414	27	1	it	it	PRON
asfbr-1414	27	2	was	be	AUX
asfbr-1414	27	3	also	also	ADV
asfbr-1414	27	4	intended	intend	VERB
asfbr-1414	27	5	to	to	PART
asfbr-1414	27	6	improve	improve	VERB
asfbr-1414	27	7	payment	payment	NOUN
asfbr-1414	27	8	system	system	NOUN
asfbr-1414	27	9	efficiency	efficiency	NOUN
asfbr-1414	27	10	and	and	CCONJ
asfbr-1414	27	11	reduce	reduce	VERB
asfbr-1414	27	12	dependency	dependency	NOUN
asfbr-1414	27	13	on	on	ADP
asfbr-1414	27	14	cash	cash	NOUN
asfbr-1414	27	15	as	as	ADP
asfbr-1414	27	16	a	a	DET
asfbr-1414	27	17	transactional	transactional	ADJ
asfbr-1414	27	18	medium	medium	NOUN
asfbr-1414	27	19	(	(	PUNCT
asfbr-1414	27	20	porteus	porteus	NOUN
asfbr-1414	27	21	,	,	PUNCT
asfbr-1414	27	22	2006	2006	NUM
asfbr-1414	27	23	)	)	PUNCT
asfbr-1414	27	24	.	.	PUNCT
asfbr-1414	28	1	pakistan	pakistan	PROPN
asfbr-1414	28	2	's	's	PART
asfbr-1414	28	3	financial	financial	ADJ
asfbr-1414	28	4	inclusiveness	inclusiveness	NOUN
asfbr-1414	28	5	rate	rate	NOUN
asfbr-1414	28	6	has	have	AUX
asfbr-1414	28	7	recently	recently	ADV
asfbr-1414	28	8	reached	reach	VERB
asfbr-1414	28	9	15	15	NUM
asfbr-1414	28	10	%	%	NOUN
asfbr-1414	28	11	.	.	PUNCT
asfbr-1414	29	1	this	this	PRON
asfbr-1414	29	2	means	mean	VERB
asfbr-1414	29	3	that	that	SCONJ
asfbr-1414	29	4	currently	currently	ADV
asfbr-1414	29	5	,	,	PUNCT
asfbr-1414	29	6	85	85	NUM
asfbr-1414	29	7	percent	percent	NOUN
asfbr-1414	29	8	of	of	ADP
asfbr-1414	29	9	adults	adult	NOUN
asfbr-1414	29	10	in	in	ADP
asfbr-1414	29	11	pakistan	pakistan	ADJ
asfbr-1414	29	12	lack	lack	NOUN
asfbr-1414	29	13	access	access	NOUN
asfbr-1414	29	14	to	to	ADP
asfbr-1414	29	15	formal	formal	ADJ
asfbr-1414	29	16	financial	financial	ADJ
asfbr-1414	29	17	services	service	NOUN
asfbr-1414	29	18	.	.	PUNCT
asfbr-1414	30	1	among	among	ADP
asfbr-1414	30	2	the	the	DET
asfbr-1414	30	3	remaining	remain	VERB
asfbr-1414	30	4	15	15	NUM
asfbr-1414	30	5	%	%	NOUN
asfbr-1414	30	6	,	,	PUNCT
asfbr-1414	30	7	5	5	NUM
asfbr-1414	30	8	%	%	NOUN
asfbr-1414	30	9	are	be	AUX
asfbr-1414	30	10	fully	fully	ADV
asfbr-1414	30	11	banked	bank	VERB
asfbr-1414	30	12	,	,	PUNCT
asfbr-1414	30	13	which	which	PRON
asfbr-1414	30	14	means	mean	VERB
asfbr-1414	30	15	they	they	PRON
asfbr-1414	30	16	have	have	VERB
asfbr-1414	30	17	access	access	NOUN
asfbr-1414	30	18	to	to	ADP
asfbr-1414	30	19	a	a	DET
asfbr-1414	30	20	full	full	ADJ
asfbr-1414	30	21	range	range	NOUN
asfbr-1414	30	22	of	of	ADP
asfbr-1414	30	23	financial	financial	ADJ
asfbr-1414	30	24	services	service	NOUN
asfbr-1414	30	25	(	(	PUNCT
asfbr-1414	30	26	including	include	VERB
asfbr-1414	30	27	savings	saving	NOUN
asfbr-1414	30	28	,	,	PUNCT
asfbr-1414	30	29	insurance	insurance	NOUN
asfbr-1414	30	30	,	,	PUNCT
asfbr-1414	30	31	and	and	CCONJ
asfbr-1414	30	32	credit	credit	NOUN
asfbr-1414	30	33	)	)	PUNCT
asfbr-1414	30	34	,	,	PUNCT
asfbr-1414	30	35	and	and	CCONJ
asfbr-1414	30	36	10	10	NUM
asfbr-1414	30	37	%	%	NOUN
asfbr-1414	30	38	are	be	AUX
asfbr-1414	30	39	economically	economically	ADV
asfbr-1414	30	40	inactive	inactive	ADJ
asfbr-1414	30	41	,	,	PUNCT
asfbr-1414	30	42	which	which	PRON
asfbr-1414	30	43	means	mean	VERB
asfbr-1414	30	44	they	they	PRON
asfbr-1414	30	45	have	have	VERB
asfbr-1414	30	46	just	just	ADV
asfbr-1414	30	47	minimal	minimal	ADJ
asfbr-1414	30	48	access	access	NOUN
asfbr-1414	30	49	to	to	ADP
asfbr-1414	30	50	financial	financial	ADJ
asfbr-1414	30	51	services	service	NOUN
asfbr-1414	30	52	such	such	ADJ
asfbr-1414	30	53	as	as	ADP
asfbr-1414	30	54	a	a	DET
asfbr-1414	30	55	savings	savings	NOUN
asfbr-1414	30	56	account	account	NOUN
asfbr-1414	30	57	.	.	PUNCT
asfbr-1414	31	1	furthermore	furthermore	ADV
asfbr-1414	31	2	,	,	PUNCT
asfbr-1414	31	3	even	even	ADV
asfbr-1414	31	4	among	among	ADP
asfbr-1414	31	5	the	the	DET
asfbr-1414	31	6	financially	financially	ADV
asfbr-1414	31	7	involved	involve	VERB
asfbr-1414	31	8	,	,	PUNCT
asfbr-1414	31	9	critical	critical	ADJ
asfbr-1414	31	10	services	service	NOUN
asfbr-1414	31	11	such	such	ADJ
asfbr-1414	31	12	as	as	ADP
asfbr-1414	31	13	insurance	insurance	NOUN
asfbr-1414	31	14	and	and	CCONJ
asfbr-1414	31	15	credit	credit	NOUN
asfbr-1414	31	16	are	be	AUX
asfbr-1414	31	17	underutilised	underutilise	VERB
asfbr-1414	31	18	,	,	PUNCT
asfbr-1414	31	19	and	and	CCONJ
asfbr-1414	31	20	mfs	mfs	NOUN
asfbr-1414	31	21	is	be	AUX
asfbr-1414	31	22	almost	almost	ADV
asfbr-1414	31	23	non	non	ADJ
asfbr-1414	31	24	-	-	ADJ
asfbr-1414	31	25	existent	existent	ADJ
asfbr-1414	31	26	.	.	PUNCT
asfbr-1414	32	1	financial	financial	ADJ
asfbr-1414	32	2	inclusion	inclusion	NOUN
asfbr-1414	32	3	,	,	PUNCT
asfbr-1414	32	4	or	or	CCONJ
asfbr-1414	32	5	the	the	DET
asfbr-1414	32	6	supply	supply	NOUN
asfbr-1414	32	7	of	of	ADP
asfbr-1414	32	8	low	low	ADJ
asfbr-1414	32	9	-	-	PUNCT
asfbr-1414	32	10	cost	cost	NOUN
asfbr-1414	32	11	financial	financial	ADJ
asfbr-1414	32	12	services	service	NOUN
asfbr-1414	32	13	to	to	ADP
asfbr-1414	32	14	a	a	DET
asfbr-1414	32	15	community	community	NOUN
asfbr-1414	32	16	,	,	PUNCT
asfbr-1414	32	17	has	have	AUX
asfbr-1414	32	18	been	be	AUX
asfbr-1414	32	19	connected	connect	VERB
asfbr-1414	32	20	to	to	ADP
asfbr-1414	32	21	a	a	DET
asfbr-1414	32	22	country	country	NOUN
asfbr-1414	32	23	's	's	PART
asfbr-1414	32	24	fulfilment	fulfilment	NOUN
asfbr-1414	32	25	of	of	ADP
asfbr-1414	32	26	crucial	crucial	ADJ
asfbr-1414	32	27	economic	economic	ADJ
asfbr-1414	32	28	and	and	CCONJ
asfbr-1414	32	29	social	social	ADJ
asfbr-1414	32	30	goals	goal	NOUN
asfbr-1414	32	31	.	.	PUNCT
asfbr-1414	33	1	the	the	DET
asfbr-1414	33	2	provision	provision	NOUN
asfbr-1414	33	3	of	of	ADP
asfbr-1414	33	4	financial	financial	ADJ
asfbr-1414	33	5	services	service	NOUN
asfbr-1414	33	6	attracts	attract	VERB
asfbr-1414	33	7	credit	credit	NOUN
asfbr-1414	33	8	to	to	ADP
asfbr-1414	33	9	the	the	DET
asfbr-1414	33	10	banking	banking	NOUN
asfbr-1414	33	11	system	system	NOUN
asfbr-1414	33	12	,	,	PUNCT
asfbr-1414	33	13	resulting	result	VERB
asfbr-1414	33	14	in	in	ADP
asfbr-1414	33	15	greater	great	ADJ
asfbr-1414	33	16	gdp	gdp	NOUN
asfbr-1414	33	17	.	.	PUNCT
asfbr-1414	34	1	it	it	PRON
asfbr-1414	34	2	encourages	encourage	VERB
asfbr-1414	34	3	entrepreneurship	entrepreneurship	NOUN
asfbr-1414	34	4	by	by	ADP
asfbr-1414	34	5	enhancing	enhance	VERB
asfbr-1414	34	6	domestic	domestic	ADJ
asfbr-1414	34	7	capital	capital	NOUN
asfbr-1414	34	8	formation	formation	NOUN
asfbr-1414	34	9	.	.	PUNCT
asfbr-1414	35	1	it	it	PRON
asfbr-1414	35	2	also	also	ADV
asfbr-1414	35	3	enhances	enhance	VERB
asfbr-1414	35	4	the	the	DET
asfbr-1414	35	5	depth	depth	NOUN
asfbr-1414	35	6	of	of	ADP
asfbr-1414	35	7	a	a	DET
asfbr-1414	35	8	country	country	NOUN
asfbr-1414	35	9	's	's	PART
asfbr-1414	35	10	private	private	ADJ
asfbr-1414	35	11	sector	sector	NOUN
asfbr-1414	35	12	,	,	PUNCT
asfbr-1414	35	13	which	which	PRON
asfbr-1414	35	14	leads	lead	VERB
asfbr-1414	35	15	to	to	ADP
asfbr-1414	35	16	the	the	DET
asfbr-1414	35	17	creation	creation	NOUN
asfbr-1414	35	18	of	of	ADP
asfbr-1414	35	19	new	new	ADJ
asfbr-1414	35	20	jobs	job	NOUN
asfbr-1414	35	21	.	.	PUNCT
asfbr-1414	36	1	these	these	DET
asfbr-1414	36	2	financial	financial	ADJ
asfbr-1414	36	3	innovations	innovation	NOUN
asfbr-1414	36	4	diminish	diminish	VERB
asfbr-1414	36	5	a	a	DET
asfbr-1414	36	6	country	country	NOUN
asfbr-1414	36	7	's	's	PART
asfbr-1414	36	8	total	total	ADJ
asfbr-1414	36	9	income	income	NOUN
asfbr-1414	36	10	disparity	disparity	NOUN
asfbr-1414	36	11	,	,	PUNCT
asfbr-1414	36	12	increase	increase	VERB
asfbr-1414	36	13	income	income	NOUN
asfbr-1414	36	14	growth	growth	NOUN
asfbr-1414	36	15	among	among	ADP
asfbr-1414	36	16	the	the	DET
asfbr-1414	36	17	poorest	poor	ADJ
asfbr-1414	36	18	quintile	quintile	NOUN
asfbr-1414	36	19	of	of	ADP
asfbr-1414	36	20	the	the	DET
asfbr-1414	36	21	population	population	NOUN
asfbr-1414	36	22	,	,	PUNCT
asfbr-1414	36	23	and	and	CCONJ
asfbr-1414	36	24	accelerate	accelerate	VERB
asfbr-1414	36	25	poverty	poverty	NOUN
asfbr-1414	36	26	reduction	reduction	NOUN
asfbr-1414	36	27	.	.	PUNCT
asfbr-1414	37	1	overall	overall	ADV
asfbr-1414	37	2	,	,	PUNCT
asfbr-1414	37	3	the	the	DET
asfbr-1414	37	4	focus	focus	NOUN
asfbr-1414	37	5	of	of	ADP
asfbr-1414	37	6	this	this	DET
asfbr-1414	37	7	study	study	NOUN
asfbr-1414	37	8	will	will	AUX
asfbr-1414	37	9	be	be	AUX
asfbr-1414	37	10	on	on	ADP
asfbr-1414	37	11	the	the	DET
asfbr-1414	37	12	economic	economic	ADJ
asfbr-1414	37	13	benefits	benefit	NOUN
asfbr-1414	37	14	of	of	ADP
asfbr-1414	37	15	mobile	mobile	ADJ
asfbr-1414	37	16	financial	financial	ADJ
asfbr-1414	37	17	services	service	NOUN
asfbr-1414	37	18	,	,	PUNCT
asfbr-1414	37	19	as	as	ADV
asfbr-1414	37	20	well	well	ADV
asfbr-1414	37	21	as	as	ADP
asfbr-1414	37	22	the	the	DET
asfbr-1414	37	23	numerous	numerous	ADJ
asfbr-1414	37	24	factors	factor	NOUN
asfbr-1414	37	25	that	that	PRON
asfbr-1414	37	26	influence	influence	VERB
asfbr-1414	37	27	their	their	PRON
asfbr-1414	37	28	utilization	utilization	NOUN
asfbr-1414	37	29	.	.	PUNCT
asfbr-1414	38	1	previous	previous	ADJ
asfbr-1414	38	2	research	research	NOUN
asfbr-1414	38	3	has	have	AUX
asfbr-1414	38	4	found	find	VERB
asfbr-1414	38	5	a	a	DET
asfbr-1414	38	6	correlation	correlation	NOUN
asfbr-1414	38	7	between	between	ADP
asfbr-1414	38	8	mobile	mobile	ADJ
asfbr-1414	38	9	banking	banking	NOUN
asfbr-1414	38	10	usage	usage	NOUN
asfbr-1414	38	11	and	and	CCONJ
asfbr-1414	38	12	trustworthiness	trustworthiness	NOUN
asfbr-1414	38	13	(	(	PUNCT
asfbr-1414	38	14	bhattacherjee	bhattacherjee	NOUN
asfbr-1414	38	15	,	,	PUNCT
asfbr-1414	38	16	2002	2002	NUM
asfbr-1414	38	17	)	)	PUNCT
asfbr-1414	38	18	.	.	PUNCT
asfbr-1414	39	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	39	2	asian	asian	PROPN
asfbr-1414	39	3	finance	finance	PROPN
asfbr-1414	39	4	&	&	CCONJ
asfbr-1414	39	5	banking	banking	PROPN
asfbr-1414	39	6	review	review	PROPN
asfbr-1414	39	7	vol	vol	NOUN
asfbr-1414	39	8	.	.	PROPN
asfbr-1414	40	1	5	5	NUM
asfbr-1414	40	2	,	,	PUNCT
asfbr-1414	40	3	no	no	INTJ
asfbr-1414	40	4	.	.	NOUN
asfbr-1414	40	5	1	1	NUM
asfbr-1414	40	6	;	;	PUNCT
asfbr-1414	40	7	2021	2021	NUM
asfbr-1414	40	8	40	40	NUM
asfbr-1414	40	9	lee	lee	PROPN
asfbr-1414	40	10	(	(	PUNCT
asfbr-1414	40	11	2009	2009	NUM
asfbr-1414	40	12	)	)	PUNCT
asfbr-1414	40	13	found	find	VERB
asfbr-1414	40	14	a	a	DET
asfbr-1414	40	15	strong	strong	ADJ
asfbr-1414	40	16	relationship	relationship	NOUN
asfbr-1414	40	17	between	between	ADP
asfbr-1414	40	18	mobile	mobile	ADJ
asfbr-1414	40	19	banking	banking	NOUN
asfbr-1414	40	20	usage	usage	NOUN
asfbr-1414	40	21	and	and	CCONJ
asfbr-1414	40	22	perceived	perceive	VERB
asfbr-1414	40	23	risks	risk	NOUN
asfbr-1414	40	24	but	but	CCONJ
asfbr-1414	40	25	no	no	DET
asfbr-1414	40	26	link	link	NOUN
asfbr-1414	40	27	between	between	ADP
asfbr-1414	40	28	mobile	mobile	ADJ
asfbr-1414	40	29	banking	banking	NOUN
asfbr-1414	40	30	usage	usage	NOUN
asfbr-1414	40	31	and	and	CCONJ
asfbr-1414	40	32	security	security	NOUN
asfbr-1414	40	33	risk	risk	NOUN
asfbr-1414	40	34	.	.	PUNCT
asfbr-1414	41	1	along	along	ADP
asfbr-1414	41	2	with	with	ADP
asfbr-1414	41	3	these	these	DET
asfbr-1414	41	4	factors	factor	NOUN
asfbr-1414	41	5	,	,	PUNCT
asfbr-1414	41	6	(	(	PUNCT
asfbr-1414	41	7	reliability	reliability	NOUN
asfbr-1414	41	8	)	)	PUNCT
asfbr-1414	41	9	is	be	AUX
asfbr-1414	41	10	expected	expect	VERB
asfbr-1414	41	11	to	to	PART
asfbr-1414	41	12	have	have	VERB
asfbr-1414	41	13	a	a	DET
asfbr-1414	41	14	significant	significant	ADJ
asfbr-1414	41	15	impact	impact	NOUN
asfbr-1414	41	16	on	on	ADP
asfbr-1414	41	17	how	how	SCONJ
asfbr-1414	41	18	individuals	individual	NOUN
asfbr-1414	41	19	use	use	VERB
asfbr-1414	41	20	mobile	mobile	ADJ
asfbr-1414	41	21	financial	financial	ADJ
asfbr-1414	41	22	services	service	NOUN
asfbr-1414	41	23	.	.	PUNCT
asfbr-1414	42	1	a	a	DET
asfbr-1414	42	2	consumer	consumer	NOUN
asfbr-1414	42	3	must	must	AUX
asfbr-1414	42	4	be	be	AUX
asfbr-1414	42	5	confident	confident	ADJ
asfbr-1414	42	6	that	that	SCONJ
asfbr-1414	42	7	the	the	DET
asfbr-1414	42	8	system	system	NOUN
asfbr-1414	42	9	is	be	AUX
asfbr-1414	42	10	reliable	reliable	ADJ
asfbr-1414	42	11	,	,	PUNCT
asfbr-1414	42	12	that	that	SCONJ
asfbr-1414	42	13	it	it	PRON
asfbr-1414	42	14	protects	protect	VERB
asfbr-1414	42	15	their	their	PRON
asfbr-1414	42	16	security	security	NOUN
asfbr-1414	42	17	,	,	PUNCT
asfbr-1414	42	18	privacy	privacy	NOUN
asfbr-1414	42	19	,	,	PUNCT
asfbr-1414	42	20	and	and	CCONJ
asfbr-1414	42	21	data	datum	NOUN
asfbr-1414	42	22	integrity	integrity	NOUN
asfbr-1414	42	23	,	,	PUNCT
asfbr-1414	42	24	and	and	CCONJ
asfbr-1414	42	25	that	that	SCONJ
asfbr-1414	42	26	it	it	PRON
asfbr-1414	42	27	provides	provide	VERB
asfbr-1414	42	28	a	a	DET
asfbr-1414	42	29	secure	secure	ADJ
asfbr-1414	42	30	authentication	authentication	NOUN
asfbr-1414	42	31	method	method	NOUN
asfbr-1414	42	32	for	for	ADP
asfbr-1414	42	33	mobile	mobile	ADJ
asfbr-1414	42	34	banking	banking	NOUN
asfbr-1414	42	35	.	.	PUNCT
asfbr-1414	43	1	as	as	ADP
asfbr-1414	43	2	a	a	DET
asfbr-1414	43	3	result	result	NOUN
asfbr-1414	43	4	,	,	PUNCT
asfbr-1414	43	5	this	this	DET
asfbr-1414	43	6	study	study	NOUN
asfbr-1414	43	7	will	will	AUX
asfbr-1414	43	8	concentrate	concentrate	VERB
asfbr-1414	43	9	on	on	ADP
asfbr-1414	43	10	the	the	DET
asfbr-1414	43	11	potential	potential	ADJ
asfbr-1414	43	12	use	use	NOUN
asfbr-1414	43	13	of	of	ADP
asfbr-1414	43	14	detection	detection	NOUN
asfbr-1414	43	15	authentication	authentication	NOUN
asfbr-1414	43	16	to	to	PART
asfbr-1414	43	17	alleviate	alleviate	VERB
asfbr-1414	43	18	security	security	NOUN
asfbr-1414	43	19	issues	issue	NOUN
asfbr-1414	43	20	while	while	SCONJ
asfbr-1414	43	21	boosting	boost	VERB
asfbr-1414	43	22	the	the	DET
asfbr-1414	43	23	dependability	dependability	NOUN
asfbr-1414	43	24	and	and	CCONJ
asfbr-1414	43	25	trustworthiness	trustworthiness	NOUN
asfbr-1414	43	26	of	of	ADP
asfbr-1414	43	27	mobile	mobile	ADJ
asfbr-1414	43	28	financial	financial	ADJ
asfbr-1414	43	29	services	service	NOUN
asfbr-1414	43	30	for	for	ADP
asfbr-1414	43	31	clients	client	NOUN
asfbr-1414	43	32	.	.	PUNCT
asfbr-1414	44	1	literature	literature	NOUN
asfbr-1414	44	2	review	review	VERB
asfbr-1414	44	3	mobile	mobile	ADJ
asfbr-1414	44	4	financial	financial	ADJ
asfbr-1414	44	5	services	service	NOUN
asfbr-1414	44	6	and	and	CCONJ
asfbr-1414	44	7	economic	economic	ADJ
asfbr-1414	44	8	growth	growth	NOUN
asfbr-1414	44	9	absence	absence	NOUN
asfbr-1414	44	10	of	of	ADP
asfbr-1414	44	11	capital	capital	NOUN
asfbr-1414	44	12	,	,	PUNCT
asfbr-1414	44	13	obligation	obligation	NOUN
asfbr-1414	44	14	assortment	assortment	NOUN
asfbr-1414	44	15	,	,	PUNCT
asfbr-1414	44	16	liquidity	liquidity	NOUN
asfbr-1414	44	17	,	,	PUNCT
asfbr-1414	44	18	income	income	NOUN
asfbr-1414	44	19	execution	execution	NOUN
asfbr-1414	44	20	,	,	PUNCT
asfbr-1414	44	21	and	and	CCONJ
asfbr-1414	44	22	low	low	ADJ
asfbr-1414	44	23	deals	deal	NOUN
asfbr-1414	44	24	are	be	AUX
asfbr-1414	44	25	the	the	DET
asfbr-1414	44	26	critical	critical	ADJ
asfbr-1414	44	27	part	part	NOUN
asfbr-1414	44	28	of	of	ADP
asfbr-1414	44	29	pecuniary	pecuniary	ADJ
asfbr-1414	44	30	(	(	PUNCT
asfbr-1414	44	31	financial	financial	ADJ
asfbr-1414	44	32	)	)	PUNCT
asfbr-1414	44	33	limitations	limitation	NOUN
asfbr-1414	44	34	for	for	ADP
asfbr-1414	44	35	private	private	ADJ
asfbr-1414	44	36	companies	company	NOUN
asfbr-1414	44	37	in	in	ADP
asfbr-1414	44	38	non	non	ADJ
asfbr-1414	44	39	-	-	ADJ
asfbr-1414	44	40	industrial	industrial	ADJ
asfbr-1414	44	41	nations	nation	NOUN
asfbr-1414	44	42	(	(	PUNCT
asfbr-1414	44	43	bngens	bngen	NOUN
asfbr-1414	44	44	&	&	CCONJ
asfbr-1414	44	45	söderberg	söderberg	PROPN
asfbr-1414	44	46	,	,	PUNCT
asfbr-1414	44	47	2011a	2011a	NUM
asfbr-1414	44	48	)	)	PUNCT
asfbr-1414	44	49	.	.	PUNCT
asfbr-1414	45	1	chale	chale	PROPN
asfbr-1414	45	2	and	and	CCONJ
asfbr-1414	45	3	mbamba	mbamba	NOUN
asfbr-1414	45	4	(	(	PUNCT
asfbr-1414	45	5	2015	2015	NUM
asfbr-1414	45	6	)	)	PUNCT
asfbr-1414	45	7	concurred	concur	VERB
asfbr-1414	45	8	with	with	ADP
asfbr-1414	45	9	bngens	bngen	NOUN
asfbr-1414	45	10	and	and	CCONJ
asfbr-1414	45	11	söderberg	söderberg	PROPN
asfbr-1414	45	12	(	(	PUNCT
asfbr-1414	45	13	2011b	2011b	NUM
asfbr-1414	45	14	)	)	PUNCT
asfbr-1414	45	15	that	that	SCONJ
asfbr-1414	45	16	mobile	mobile	ADJ
asfbr-1414	45	17	money	money	NOUN
asfbr-1414	45	18	improves	improve	VERB
asfbr-1414	45	19	small	small	ADJ
asfbr-1414	45	20	companies	company	NOUN
asfbr-1414	45	21	in	in	ADP
asfbr-1414	45	22	tanzania	tanzania	PROPN
asfbr-1414	45	23	in	in	ADP
asfbr-1414	45	24	an	an	DET
asfbr-1414	45	25	assortment	assortment	NOUN
asfbr-1414	45	26	of	of	ADP
asfbr-1414	45	27	ways	way	NOUN
asfbr-1414	45	28	,	,	PUNCT
asfbr-1414	45	29	including	include	VERB
asfbr-1414	45	30	deals	deal	NOUN
asfbr-1414	45	31	exchanges	exchange	NOUN
asfbr-1414	45	32	,	,	PUNCT
asfbr-1414	45	33	stock	stock	NOUN
asfbr-1414	45	34	buys	buy	NOUN
asfbr-1414	45	35	,	,	PUNCT
asfbr-1414	45	36	installment	installment	NOUN
asfbr-1414	45	37	receipts	receipt	NOUN
asfbr-1414	45	38	,	,	PUNCT
asfbr-1414	45	39	products	product	NOUN
asfbr-1414	45	40	and	and	CCONJ
asfbr-1414	45	41	service	service	NOUN
asfbr-1414	45	42	installment	installment	NOUN
asfbr-1414	45	43	,	,	PUNCT
asfbr-1414	45	44	all	all	PRON
asfbr-1414	45	45	of	of	ADP
asfbr-1414	45	46	which	which	PRON
asfbr-1414	45	47	bring	bring	VERB
asfbr-1414	45	48	about	about	ADP
asfbr-1414	45	49	worked	work	VERB
asfbr-1414	45	50	on	on	ADP
asfbr-1414	45	51	economic	economic	ADJ
asfbr-1414	45	52	execution	execution	NOUN
asfbr-1414	45	53	.	.	PUNCT
asfbr-1414	46	1	andrianaivo	andrianaivo	PROPN
asfbr-1414	46	2	and	and	CCONJ
asfbr-1414	46	3	kpodar	kpodar	PROPN
asfbr-1414	46	4	(	(	PUNCT
asfbr-1414	46	5	2012	2012	NUM
asfbr-1414	46	6	)	)	PUNCT
asfbr-1414	46	7	found	find	VERB
asfbr-1414	46	8	that	that	SCONJ
asfbr-1414	46	9	in	in	ADP
asfbr-1414	46	10	nations	nation	NOUN
asfbr-1414	46	11	where	where	SCONJ
asfbr-1414	46	12	mobile	mobile	ADJ
asfbr-1414	46	13	money	money	NOUN
asfbr-1414	46	14	has	have	AUX
asfbr-1414	46	15	been	be	AUX
asfbr-1414	46	16	sent	send	VERB
asfbr-1414	46	17	,	,	PUNCT
asfbr-1414	46	18	there	there	PRON
asfbr-1414	46	19	is	be	VERB
asfbr-1414	46	20	a	a	DET
asfbr-1414	46	21	positive	positive	ADJ
asfbr-1414	46	22	connection	connection	NOUN
asfbr-1414	46	23	between	between	ADP
asfbr-1414	46	24	financial	financial	ADJ
asfbr-1414	46	25	inclusion	inclusion	NOUN
asfbr-1414	46	26	(	(	PUNCT
asfbr-1414	46	27	as	as	SCONJ
asfbr-1414	46	28	characterized	characterize	VERB
asfbr-1414	46	29	by	by	ADP
asfbr-1414	46	30	advance	advance	NOUN
asfbr-1414	46	31	records	record	NOUN
asfbr-1414	46	32	per	per	ADP
asfbr-1414	46	33	individual	individual	NOUN
asfbr-1414	46	34	)	)	PUNCT
asfbr-1414	46	35	and	and	CCONJ
asfbr-1414	46	36	economic	economic	ADJ
asfbr-1414	46	37	growth	growth	NOUN
asfbr-1414	46	38	.	.	PUNCT
asfbr-1414	47	1	in	in	ADP
asfbr-1414	47	2	this	this	DET
asfbr-1414	47	3	manner	manner	NOUN
asfbr-1414	47	4	it	it	PRON
asfbr-1414	47	5	forms	form	VERB
asfbr-1414	47	6	the	the	DET
asfbr-1414	47	7	following	follow	VERB
asfbr-1414	47	8	hypothesis	hypothesis	NOUN
asfbr-1414	47	9	:	:	PUNCT
asfbr-1414	47	10	h1	h1	NOUN
asfbr-1414	47	11	:	:	PUNCT
asfbr-1414	47	12	mobile	mobile	ADJ
asfbr-1414	47	13	financial	financial	ADJ
asfbr-1414	47	14	services	service	NOUN
asfbr-1414	47	15	would	would	AUX
asfbr-1414	47	16	have	have	VERB
asfbr-1414	47	17	a	a	DET
asfbr-1414	47	18	significant	significant	ADJ
asfbr-1414	47	19	and	and	CCONJ
asfbr-1414	47	20	favorable	favorable	ADJ
asfbr-1414	47	21	impact	impact	NOUN
asfbr-1414	47	22	on	on	ADP
asfbr-1414	47	23	the	the	DET
asfbr-1414	47	24	country	country	NOUN
asfbr-1414	47	25	's	's	PART
asfbr-1414	47	26	economic	economic	ADJ
asfbr-1414	47	27	growth	growth	NOUN
asfbr-1414	47	28	mobile	mobile	ADJ
asfbr-1414	47	29	financial	financial	ADJ
asfbr-1414	47	30	services	service	NOUN
asfbr-1414	47	31	and	and	CCONJ
asfbr-1414	47	32	factors	factor	NOUN
asfbr-1414	47	33	influencing	influence	VERB
asfbr-1414	47	34	its	its	PRON
asfbr-1414	47	35	adoption	adoption	NOUN
asfbr-1414	47	36	technology	technology	NOUN
asfbr-1414	47	37	acceptance	acceptance	NOUN
asfbr-1414	47	38	model	model	NOUN
asfbr-1414	47	39	have	have	AUX
asfbr-1414	47	40	been	be	AUX
asfbr-1414	47	41	truly	truly	ADV
asfbr-1414	47	42	examined	examine	VERB
asfbr-1414	47	43	and	and	CCONJ
asfbr-1414	47	44	endorsed	endorse	VERB
asfbr-1414	47	45	,	,	PUNCT
asfbr-1414	47	46	and	and	CCONJ
asfbr-1414	47	47	they	they	PRON
asfbr-1414	47	48	are	be	AUX
asfbr-1414	47	49	the	the	DET
asfbr-1414	47	50	most	most	ADV
asfbr-1414	47	51	consistently	consistently	ADV
asfbr-1414	47	52	used	use	VERB
asfbr-1414	47	53	models	model	NOUN
asfbr-1414	47	54	for	for	ADP
asfbr-1414	47	55	depicting	depict	VERB
asfbr-1414	47	56	how	how	SCONJ
asfbr-1414	47	57	clients	client	NOUN
asfbr-1414	47	58	recognize	recognize	VERB
asfbr-1414	47	59	new	new	ADJ
asfbr-1414	47	60	advancement	advancement	NOUN
asfbr-1414	47	61	(	(	PUNCT
asfbr-1414	47	62	venkatesh	venkatesh	PROPN
asfbr-1414	47	63	&	&	CCONJ
asfbr-1414	47	64	davis	davis	PROPN
asfbr-1414	47	65	,	,	PUNCT
asfbr-1414	47	66	2000	2000	NUM
asfbr-1414	47	67	;	;	PUNCT
asfbr-1414	47	68	omwansa	omwansa	VERB
asfbr-1414	47	69	et	et	PROPN
asfbr-1414	47	70	al	al	PROPN
asfbr-1414	47	71	.	.	PROPN
asfbr-1414	47	72	,	,	PUNCT
asfbr-1414	47	73	2012	2012	NUM
asfbr-1414	47	74	;	;	PUNCT
asfbr-1414	47	75	masinge	masinge	NOUN
asfbr-1414	47	76	,	,	PUNCT
asfbr-1414	47	77	2010	2010	NUM
asfbr-1414	47	78	)	)	PUNCT
asfbr-1414	47	79	.	.	PUNCT
asfbr-1414	48	1	these	these	DET
asfbr-1414	48	2	examinations	examination	NOUN
asfbr-1414	48	3	utilized	utilize	VERB
asfbr-1414	48	4	the	the	DET
asfbr-1414	48	5	original	original	ADJ
asfbr-1414	48	6	tam	tam	NOUN
asfbr-1414	48	7	components	component	NOUN
asfbr-1414	48	8	along	along	ADP
asfbr-1414	48	9	with	with	ADP
asfbr-1414	48	10	different	different	ADJ
asfbr-1414	48	11	variables	variable	NOUN
asfbr-1414	48	12	like	like	ADP
asfbr-1414	48	13	risk	risk	NOUN
asfbr-1414	48	14	,	,	PUNCT
asfbr-1414	48	15	trust	trust	NOUN
asfbr-1414	48	16	,	,	PUNCT
asfbr-1414	48	17	and	and	CCONJ
asfbr-1414	48	18	cost	cost	NOUN
asfbr-1414	48	19	of	of	ADP
asfbr-1414	48	20	mobile	mobile	ADJ
asfbr-1414	48	21	monetary	monetary	ADJ
asfbr-1414	48	22	services	service	NOUN
asfbr-1414	48	23	.	.	PUNCT
asfbr-1414	49	1	from	from	ADP
asfbr-1414	49	2	literature	literature	NOUN
asfbr-1414	49	3	review	review	NOUN
asfbr-1414	49	4	and	and	CCONJ
asfbr-1414	49	5	for	for	ADP
asfbr-1414	49	6	the	the	DET
asfbr-1414	49	7	purpose	purpose	NOUN
asfbr-1414	49	8	of	of	ADP
asfbr-1414	49	9	this	this	DET
asfbr-1414	49	10	study	study	NOUN
asfbr-1414	49	11	,	,	PUNCT
asfbr-1414	49	12	the	the	DET
asfbr-1414	49	13	study	study	NOUN
asfbr-1414	49	14	framework	framework	NOUN
asfbr-1414	49	15	comprises	comprise	NOUN
asfbr-1414	49	16	of	of	ADP
asfbr-1414	49	17	the	the	DET
asfbr-1414	49	18	elements	element	NOUN
asfbr-1414	49	19	that	that	PRON
asfbr-1414	49	20	are	be	AUX
asfbr-1414	49	21	affecting	affect	VERB
asfbr-1414	49	22	the	the	DET
asfbr-1414	49	23	reception	reception	NOUN
asfbr-1414	49	24	(	(	PUNCT
asfbr-1414	49	25	acceptance	acceptance	NOUN
asfbr-1414	49	26	)	)	PUNCT
asfbr-1414	49	27	of	of	ADP
asfbr-1414	49	28	mobile	mobile	ADJ
asfbr-1414	49	29	banking	banking	NOUN
asfbr-1414	49	30	services	service	NOUN
asfbr-1414	49	31	dependent	dependent	ADJ
asfbr-1414	49	32	on	on	ADP
asfbr-1414	49	33	tam	tam	NOUN
asfbr-1414	49	34	approach	approach	NOUN
asfbr-1414	49	35	as	as	ADP
asfbr-1414	49	36	explanatory	explanatory	ADJ
asfbr-1414	49	37	variable	variable	NOUN
asfbr-1414	49	38	and	and	CCONJ
asfbr-1414	49	39	reception	reception	NOUN
asfbr-1414	49	40	of	of	ADP
asfbr-1414	49	41	mobile	mobile	ADJ
asfbr-1414	49	42	monetary	monetary	ADJ
asfbr-1414	49	43	services	service	NOUN
asfbr-1414	49	44	as	as	ADP
asfbr-1414	49	45	a	a	DET
asfbr-1414	49	46	predicted	predict	VERB
asfbr-1414	49	47	variable	variable	NOUN
asfbr-1414	49	48	.	.	PUNCT
asfbr-1414	50	1	perceived	perceive	VERB
asfbr-1414	50	2	trust	trust	NOUN
asfbr-1414	50	3	according	accord	VERB
asfbr-1414	50	4	to	to	ADP
asfbr-1414	50	5	dass	dass	PROPN
asfbr-1414	50	6	and	and	CCONJ
asfbr-1414	50	7	pal	pal	NOUN
asfbr-1414	50	8	(	(	PUNCT
asfbr-1414	50	9	2011a	2011a	NUM
asfbr-1414	50	10	)	)	PUNCT
asfbr-1414	50	11	,	,	PUNCT
asfbr-1414	50	12	trust	trust	NOUN
asfbr-1414	50	13	is	be	AUX
asfbr-1414	50	14	a	a	DET
asfbr-1414	50	15	mental	mental	ADJ
asfbr-1414	50	16	assumption	assumption	NOUN
asfbr-1414	50	17	that	that	SCONJ
asfbr-1414	50	18	a	a	DET
asfbr-1414	50	19	believed	believe	VERB
asfbr-1414	50	20	part	part	NOUN
asfbr-1414	50	21	wo	will	AUX
asfbr-1414	50	22	n't	not	PART
asfbr-1414	50	23	act	act	VERB
asfbr-1414	50	24	sharply	sharply	ADV
asfbr-1414	50	25	.	.	PUNCT
asfbr-1414	51	1	thus	thus	ADV
asfbr-1414	51	2	,	,	PUNCT
asfbr-1414	51	3	when	when	SCONJ
asfbr-1414	51	4	the	the	DET
asfbr-1414	51	5	client	client	NOUN
asfbr-1414	51	6	's	's	PART
asfbr-1414	51	7	confidence	confidence	NOUN
asfbr-1414	51	8	in	in	ADP
asfbr-1414	51	9	the	the	DET
asfbr-1414	51	10	services	service	NOUN
asfbr-1414	51	11	provider	provider	NOUN
asfbr-1414	51	12	rises	rise	NOUN
asfbr-1414	51	13	,	,	PUNCT
asfbr-1414	51	14	so	so	SCONJ
asfbr-1414	51	15	it	it	PRON
asfbr-1414	51	16	will	will	AUX
asfbr-1414	51	17	build	build	VERB
asfbr-1414	51	18	their	their	PRON
asfbr-1414	51	19	eagerness	eagerness	NOUN
asfbr-1414	51	20	to	to	PART
asfbr-1414	51	21	take	take	VERB
asfbr-1414	51	22	part	part	NOUN
asfbr-1414	51	23	in	in	ADP
asfbr-1414	51	24	versatile	versatile	ADJ
asfbr-1414	51	25	mobile	mobile	ADJ
asfbr-1414	51	26	financial	financial	ADJ
asfbr-1414	51	27	transactions	transaction	NOUN
asfbr-1414	51	28	(	(	PUNCT
asfbr-1414	51	29	masinge	masinge	NOUN
asfbr-1414	51	30	,	,	PUNCT
asfbr-1414	51	31	2010	2010	NUM
asfbr-1414	51	32	)	)	PUNCT
asfbr-1414	51	33	.	.	PUNCT
asfbr-1414	52	1	as	as	SCONJ
asfbr-1414	52	2	indicated	indicate	VERB
asfbr-1414	52	3	by	by	ADP
asfbr-1414	52	4	bengens	bengen	NOUN
asfbr-1414	52	5	and	and	CCONJ
asfbr-1414	52	6	söderberg	söderberg	PROPN
asfbr-1414	52	7	(	(	PUNCT
asfbr-1414	52	8	2008	2008	NUM
asfbr-1414	52	9	)	)	PUNCT
asfbr-1414	52	10	,	,	PUNCT
asfbr-1414	52	11	a	a	DET
asfbr-1414	52	12	financial	financial	ADJ
asfbr-1414	52	13	framework	framework	NOUN
asfbr-1414	52	14	and	and	CCONJ
asfbr-1414	52	15	its	its	PRON
asfbr-1414	52	16	entertainers	entertainer	NOUN
asfbr-1414	52	17	should	should	AUX
asfbr-1414	52	18	be	be	AUX
asfbr-1414	52	19	trusted	trust	VERB
asfbr-1414	52	20	,	,	PUNCT
asfbr-1414	52	21	and	and	CCONJ
asfbr-1414	52	22	they	they	PRON
asfbr-1414	52	23	should	should	AUX
asfbr-1414	52	24	chip	chip	VERB
asfbr-1414	52	25	away	away	ADV
asfbr-1414	52	26	at	at	ADP
asfbr-1414	52	27	rules	rule	NOUN
asfbr-1414	52	28	that	that	PRON
asfbr-1414	52	29	cultivate	cultivate	VERB
asfbr-1414	52	30	customer	customer	NOUN
asfbr-1414	52	31	trust	trust	PROPN
asfbr-1414	52	32	.	.	PUNCT
asfbr-1414	53	1	dass	dass	NOUN
asfbr-1414	53	2	and	and	CCONJ
asfbr-1414	53	3	pal	pal	ADJ
asfbr-1414	53	4	(	(	PUNCT
asfbr-1414	53	5	2011b	2011b	NUM
asfbr-1414	53	6	)	)	PUNCT
asfbr-1414	53	7	found	find	VERB
asfbr-1414	53	8	that	that	SCONJ
asfbr-1414	53	9	in	in	ADP
asfbr-1414	53	10	their	their	PRON
asfbr-1414	53	11	investigation	investigation	NOUN
asfbr-1414	53	12	on	on	ADP
asfbr-1414	53	13	rural	rural	ADJ
asfbr-1414	53	14	unbanked	unbanked	ADJ
asfbr-1414	53	15	adoption	adoption	NOUN
asfbr-1414	53	16	of	of	ADP
asfbr-1414	53	17	mobile	mobile	ADJ
asfbr-1414	53	18	financial	financial	ADJ
asfbr-1414	53	19	services	service	NOUN
asfbr-1414	53	20	,	,	PUNCT
asfbr-1414	53	21	villagers	villager	NOUN
asfbr-1414	53	22	preferred	preferred	ADJ
asfbr-1414	53	23	channels	channel	NOUN
asfbr-1414	53	24	that	that	PRON
asfbr-1414	53	25	could	could	AUX
asfbr-1414	53	26	be	be	AUX
asfbr-1414	53	27	trusted	trust	VERB
asfbr-1414	53	28	to	to	PART
asfbr-1414	53	29	conduct	conduct	VERB
asfbr-1414	53	30	monetary	monetary	ADJ
asfbr-1414	53	31	transaction	transaction	NOUN
asfbr-1414	53	32	.	.	PUNCT
asfbr-1414	54	1	as	as	ADP
asfbr-1414	54	2	per	per	ADP
asfbr-1414	54	3	considers	consider	NOUN
asfbr-1414	54	4	,	,	PUNCT
asfbr-1414	54	5	trustworthiness	trustworthiness	NOUN
asfbr-1414	54	6	impacts	impact	VERB
asfbr-1414	54	7	the	the	DET
asfbr-1414	54	8	uptake	uptake	NOUN
asfbr-1414	54	9	of	of	ADP
asfbr-1414	54	10	mobile	mobile	ADJ
asfbr-1414	54	11	banking	banking	NOUN
asfbr-1414	54	12	services	service	NOUN
asfbr-1414	54	13	(	(	PUNCT
asfbr-1414	54	14	masinge	masinge	NOUN
asfbr-1414	54	15	,	,	PUNCT
asfbr-1414	54	16	2010	2010	NUM
asfbr-1414	54	17	;	;	PUNCT
asfbr-1414	54	18	amin	amin	NOUN
asfbr-1414	54	19	,	,	PUNCT
asfbr-1414	54	20	baba	baba	PROPN
asfbr-1414	54	21	,	,	PUNCT
asfbr-1414	54	22	&	&	CCONJ
asfbr-1414	54	23	mohammed	mohammed	PROPN
asfbr-1414	54	24	,	,	PUNCT
asfbr-1414	54	25	2007	2007	NUM
asfbr-1414	54	26	;	;	PUNCT
asfbr-1414	54	27	horne	horne	PROPN
asfbr-1414	54	28	&	&	CCONJ
asfbr-1414	54	29	nickerson	nickerson	PROPN
asfbr-1414	54	30	,	,	PUNCT
asfbr-1414	54	31	2013	2013	NUM
asfbr-1414	54	32	;	;	PUNCT
asfbr-1414	54	33	chitungo	chitungo	NOUN
asfbr-1414	54	34	&	&	CCONJ
asfbr-1414	54	35	munongo	munongo	NOUN
asfbr-1414	54	36	,	,	PUNCT
asfbr-1414	54	37	2013	2013	NUM
asfbr-1414	54	38	;	;	PUNCT
asfbr-1414	54	39	lule	lule	NOUN
asfbr-1414	54	40	,	,	PUNCT
asfbr-1414	54	41	2008	2008	NUM
asfbr-1414	54	42	)	)	PUNCT
asfbr-1414	54	43	.	.	PUNCT
asfbr-1414	55	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	55	2	asian	asian	PROPN
asfbr-1414	55	3	finance	finance	PROPN
asfbr-1414	55	4	&	&	CCONJ
asfbr-1414	55	5	banking	banking	PROPN
asfbr-1414	55	6	review	review	PROPN
asfbr-1414	55	7	vol	vol	NOUN
asfbr-1414	55	8	.	.	PROPN
asfbr-1414	56	1	5	5	NUM
asfbr-1414	56	2	,	,	PUNCT
asfbr-1414	56	3	no	no	INTJ
asfbr-1414	56	4	.	.	NOUN
asfbr-1414	56	5	1	1	NUM
asfbr-1414	56	6	;	;	PUNCT
asfbr-1414	56	7	2021	2021	NUM
asfbr-1414	56	8	41	41	NUM
asfbr-1414	56	9	h2	h2	NOUN
asfbr-1414	56	10	:	:	PUNCT
asfbr-1414	56	11	perceived	perceive	VERB
asfbr-1414	56	12	trustworthiness	trustworthiness	NOUN
asfbr-1414	56	13	in	in	ADP
asfbr-1414	56	14	mobile	mobile	ADJ
asfbr-1414	56	15	financial	financial	ADJ
asfbr-1414	56	16	services	service	NOUN
asfbr-1414	56	17	will	will	AUX
asfbr-1414	56	18	have	have	VERB
asfbr-1414	56	19	a	a	DET
asfbr-1414	56	20	beneficial	beneficial	ADJ
asfbr-1414	56	21	impact	impact	NOUN
asfbr-1414	56	22	on	on	ADP
asfbr-1414	56	23	mobile	mobile	ADJ
asfbr-1414	56	24	financial	financial	ADJ
asfbr-1414	56	25	service	service	NOUN
asfbr-1414	56	26	adoption	adoption	NOUN
asfbr-1414	56	27	convenience	convenience	NOUN
asfbr-1414	56	28	convenience	convenience	NOUN
asfbr-1414	56	29	is	be	AUX
asfbr-1414	56	30	connected	connect	VERB
asfbr-1414	56	31	to	to	ADP
asfbr-1414	56	32	the	the	DET
asfbr-1414	56	33	yield	yield	NOUN
asfbr-1414	56	34	that	that	PRON
asfbr-1414	56	35	comes	come	VERB
asfbr-1414	56	36	from	from	ADP
asfbr-1414	56	37	utilizing	utilize	VERB
asfbr-1414	56	38	innovation	innovation	NOUN
asfbr-1414	56	39	(	(	PUNCT
asfbr-1414	56	40	amin	amin	NOUN
asfbr-1414	56	41	et	et	PROPN
asfbr-1414	56	42	al	al	PROPN
asfbr-1414	56	43	.	.	PROPN
asfbr-1414	56	44	,	,	PUNCT
asfbr-1414	56	45	2007	2007	NUM
asfbr-1414	56	46	)	)	PUNCT
asfbr-1414	56	47	.	.	PUNCT
asfbr-1414	57	1	as	as	SCONJ
asfbr-1414	57	2	indicated	indicate	VERB
asfbr-1414	57	3	by	by	ADP
asfbr-1414	57	4	davis	davis	PROPN
asfbr-1414	57	5	(	(	PUNCT
asfbr-1414	57	6	1989	1989	NUM
asfbr-1414	57	7	)	)	PUNCT
asfbr-1414	57	8	,	,	PUNCT
asfbr-1414	57	9	convenience	convenience	NOUN
asfbr-1414	57	10	is	be	AUX
asfbr-1414	57	11	how	how	SCONJ
asfbr-1414	57	12	much	much	ADJ
asfbr-1414	57	13	an	an	DET
asfbr-1414	57	14	individual	individual	NOUN
asfbr-1414	57	15	thinks	think	VERB
asfbr-1414	57	16	that	that	SCONJ
asfbr-1414	57	17	utilizing	utilize	VERB
asfbr-1414	57	18	a	a	DET
asfbr-1414	57	19	specific	specific	ADJ
asfbr-1414	57	20	strategy	strategy	NOUN
asfbr-1414	57	21	will	will	AUX
asfbr-1414	57	22	work	work	VERB
asfbr-1414	57	23	on	on	ADP
asfbr-1414	57	24	their	their	PRON
asfbr-1414	57	25	exhibition	exhibition	NOUN
asfbr-1414	57	26	.	.	PUNCT
asfbr-1414	58	1	various	various	ADJ
asfbr-1414	58	2	examinations	examination	NOUN
asfbr-1414	58	3	have	have	AUX
asfbr-1414	58	4	shown	show	VERB
asfbr-1414	58	5	that	that	SCONJ
asfbr-1414	58	6	perceived	perceive	VERB
asfbr-1414	58	7	usefulness	usefulness	NOUN
asfbr-1414	58	8	essentially	essentially	ADV
asfbr-1414	58	9	affects	affect	VERB
asfbr-1414	58	10	the	the	DET
asfbr-1414	58	11	acknowledgment	acknowledgment	NOUN
asfbr-1414	58	12	of	of	ADP
asfbr-1414	58	13	mobile	mobile	ADJ
asfbr-1414	58	14	banking	banking	NOUN
asfbr-1414	58	15	services	service	NOUN
asfbr-1414	58	16	(	(	PUNCT
asfbr-1414	58	17	aboelmaged	aboelmage	VERB
asfbr-1414	58	18	in	in	ADP
asfbr-1414	58	19	gebba	gebba	NOUN
asfbr-1414	58	20	,	,	PUNCT
asfbr-1414	58	21	2013	2013	NUM
asfbr-1414	58	22	;	;	PUNCT
asfbr-1414	58	23	chitungo	chitungo	NOUN
asfbr-1414	58	24	&	&	CCONJ
asfbr-1414	58	25	munongo	munongo	NOUN
asfbr-1414	58	26	,	,	PUNCT
asfbr-1414	58	27	2013	2013	NUM
asfbr-1414	58	28	;	;	PUNCT
asfbr-1414	58	29	davis	davis	PROPN
asfbr-1414	58	30	,	,	PUNCT
asfbr-1414	58	31	1989	1989	NUM
asfbr-1414	58	32	;	;	PUNCT
asfbr-1414	58	33	li	li	PROPN
asfbr-1414	58	34	,	,	PUNCT
asfbr-1414	58	35	2010	2010	NUM
asfbr-1414	58	36	;	;	PUNCT
asfbr-1414	58	37	sayid	sayid	PROPN
asfbr-1414	58	38	et	et	PROPN
asfbr-1414	58	39	al	al	PROPN
asfbr-1414	58	40	.	.	PROPN
asfbr-1414	58	41	,	,	PUNCT
asfbr-1414	58	42	2012	2012	NUM
asfbr-1414	58	43	)	)	PUNCT
asfbr-1414	58	44	.	.	PUNCT
asfbr-1414	59	1	chitungo	chitungo	NOUN
asfbr-1414	59	2	and	and	CCONJ
asfbr-1414	59	3	munongo	munongo	NOUN
asfbr-1414	59	4	(	(	PUNCT
asfbr-1414	59	5	2013	2013	NUM
asfbr-1414	59	6	)	)	PUNCT
asfbr-1414	59	7	in	in	ADP
asfbr-1414	59	8	their	their	PRON
asfbr-1414	59	9	review	review	NOUN
asfbr-1414	59	10	on	on	ADP
asfbr-1414	59	11	the	the	DET
asfbr-1414	59	12	acknowledgment	acknowledgment	NOUN
asfbr-1414	59	13	of	of	ADP
asfbr-1414	59	14	mobile	mobile	ADJ
asfbr-1414	59	15	banking	banking	NOUN
asfbr-1414	59	16	in	in	ADP
asfbr-1414	59	17	zimbabwe	zimbabwe	PROPN
asfbr-1414	59	18	tracked	track	VERB
asfbr-1414	59	19	down	down	ADP
asfbr-1414	59	20	that	that	DET
asfbr-1414	59	21	ease	ease	NOUN
asfbr-1414	59	22	of	of	ADP
asfbr-1414	59	23	use	use	NOUN
asfbr-1414	59	24	decidedly	decidedly	ADV
asfbr-1414	59	25	affects	affect	VERB
asfbr-1414	59	26	the	the	DET
asfbr-1414	59	27	acknowledgment	acknowledgment	NOUN
asfbr-1414	59	28	of	of	ADP
asfbr-1414	59	29	mobile	mobile	ADJ
asfbr-1414	59	30	money	money	NOUN
asfbr-1414	59	31	services	service	NOUN
asfbr-1414	59	32	.	.	PUNCT
asfbr-1414	60	1	based	base	VERB
asfbr-1414	60	2	on	on	ADP
asfbr-1414	60	3	these	these	DET
asfbr-1414	60	4	studies	study	NOUN
asfbr-1414	60	5	the	the	DET
asfbr-1414	60	6	following	follow	VERB
asfbr-1414	60	7	hypothesis	hypothesis	NOUN
asfbr-1414	60	8	is	be	AUX
asfbr-1414	60	9	proposed	propose	VERB
asfbr-1414	60	10	:	:	PUNCT
asfbr-1414	60	11	h3	h3	NOUN
asfbr-1414	60	12	:	:	PUNCT
asfbr-1414	60	13	convenience	convenience	NOUN
asfbr-1414	60	14	will	will	AUX
asfbr-1414	60	15	have	have	VERB
asfbr-1414	60	16	a	a	DET
asfbr-1414	60	17	beneficial	beneficial	ADJ
asfbr-1414	60	18	impact	impact	NOUN
asfbr-1414	60	19	on	on	ADP
asfbr-1414	60	20	mobile	mobile	ADJ
asfbr-1414	60	21	banking	banking	NOUN
asfbr-1414	60	22	service	service	NOUN
asfbr-1414	60	23	adoption	adoption	NOUN
asfbr-1414	60	24	perceived	perceive	VERB
asfbr-1414	60	25	risk	risk	NOUN
asfbr-1414	60	26	perceived	perceive	VERB
asfbr-1414	60	27	risk	risk	NOUN
asfbr-1414	60	28	addresses	address	NOUN
asfbr-1414	60	29	vulnerability	vulnerability	NOUN
asfbr-1414	60	30	,	,	PUNCT
asfbr-1414	60	31	a	a	DET
asfbr-1414	60	32	forthcoming	forthcoming	ADJ
asfbr-1414	60	33	misfortune	misfortune	NOUN
asfbr-1414	60	34	,	,	PUNCT
asfbr-1414	60	35	or	or	CCONJ
asfbr-1414	60	36	a	a	DET
asfbr-1414	60	37	security	security	NOUN
asfbr-1414	60	38	break	break	NOUN
asfbr-1414	60	39	that	that	PRON
asfbr-1414	60	40	could	could	AUX
asfbr-1414	60	41	bring	bring	VERB
asfbr-1414	60	42	about	about	ADP
asfbr-1414	60	43	a	a	DET
asfbr-1414	60	44	financial	financial	ADJ
asfbr-1414	60	45	misfortune	misfortune	NOUN
asfbr-1414	60	46	(	(	PUNCT
asfbr-1414	60	47	chitungo	chitungo	NOUN
asfbr-1414	60	48	&	&	CCONJ
asfbr-1414	60	49	munongo	munongo	NOUN
asfbr-1414	60	50	,	,	PUNCT
asfbr-1414	60	51	2013	2013	NUM
asfbr-1414	60	52	;	;	PUNCT
asfbr-1414	60	53	lee	lee	PROPN
asfbr-1414	60	54	,	,	PUNCT
asfbr-1414	60	55	2009	2009	NUM
asfbr-1414	60	56	)	)	PUNCT
asfbr-1414	60	57	.	.	PUNCT
asfbr-1414	61	1	monetary	monetary	ADJ
asfbr-1414	61	2	danger	danger	NOUN
asfbr-1414	61	3	,	,	PUNCT
asfbr-1414	61	4	security	security	NOUN
asfbr-1414	61	5	or	or	CCONJ
asfbr-1414	61	6	protection	protection	NOUN
asfbr-1414	61	7	hazard	hazard	NOUN
asfbr-1414	61	8	,	,	PUNCT
asfbr-1414	61	9	social	social	ADJ
asfbr-1414	61	10	danger	danger	NOUN
asfbr-1414	61	11	,	,	PUNCT
asfbr-1414	61	12	time	time	NOUN
asfbr-1414	61	13	hazard	hazard	NOUN
asfbr-1414	61	14	,	,	PUNCT
asfbr-1414	61	15	and	and	CCONJ
asfbr-1414	61	16	execution	execution	NOUN
asfbr-1414	61	17	hazard	hazard	NOUN
asfbr-1414	61	18	are	be	AUX
asfbr-1414	61	19	for	for	ADP
asfbr-1414	61	20	the	the	DET
asfbr-1414	61	21	most	most	ADJ
asfbr-1414	61	22	part	part	NOUN
asfbr-1414	61	23	instances	instance	NOUN
asfbr-1414	61	24	of	of	ADP
asfbr-1414	61	25	perceived	perceive	VERB
asfbr-1414	61	26	risk	risk	NOUN
asfbr-1414	61	27	(	(	PUNCT
asfbr-1414	61	28	lee	lee	PROPN
asfbr-1414	61	29	,	,	PUNCT
asfbr-1414	61	30	2009	2009	NUM
asfbr-1414	61	31	)	)	PUNCT
asfbr-1414	61	32	.	.	PUNCT
asfbr-1414	62	1	it	it	PRON
asfbr-1414	62	2	is	be	AUX
asfbr-1414	62	3	contended	contend	VERB
asfbr-1414	62	4	that	that	SCONJ
asfbr-1414	62	5	the	the	DET
asfbr-1414	62	6	utilization	utilization	NOUN
asfbr-1414	62	7	of	of	ADP
asfbr-1414	62	8	mobile	mobile	ADJ
asfbr-1414	62	9	financial	financial	ADJ
asfbr-1414	62	10	services	service	NOUN
asfbr-1414	62	11	raises	raise	VERB
asfbr-1414	62	12	worries	worry	NOUN
asfbr-1414	62	13	about	about	ADP
asfbr-1414	62	14	monetary	monetary	ADJ
asfbr-1414	62	15	misfortunes	misfortune	NOUN
asfbr-1414	62	16	,	,	PUNCT
asfbr-1414	62	17	secret	secret	ADJ
asfbr-1414	62	18	word	word	NOUN
asfbr-1414	62	19	security	security	NOUN
asfbr-1414	62	20	,	,	PUNCT
asfbr-1414	62	21	network	network	NOUN
asfbr-1414	62	22	issues	issue	NOUN
asfbr-1414	62	23	,	,	PUNCT
asfbr-1414	62	24	hacking	hack	VERB
asfbr-1414	62	25	,	,	PUNCT
asfbr-1414	62	26	and	and	CCONJ
asfbr-1414	62	27	individual	individual	ADJ
asfbr-1414	62	28	data	datum	NOUN
asfbr-1414	62	29	misfortune	misfortune	NOUN
asfbr-1414	62	30	.	.	PUNCT
asfbr-1414	63	1	therefore	therefore	ADV
asfbr-1414	63	2	,	,	PUNCT
asfbr-1414	63	3	it	it	PRON
asfbr-1414	63	4	is	be	AUX
asfbr-1414	63	5	said	say	VERB
asfbr-1414	63	6	that	that	SCONJ
asfbr-1414	63	7	perceived	perceive	VERB
asfbr-1414	63	8	risk	risk	NOUN
asfbr-1414	63	9	adversely	adversely	ADV
asfbr-1414	63	10	affects	affect	VERB
asfbr-1414	63	11	mobile	mobile	ADJ
asfbr-1414	63	12	financial	financial	ADJ
asfbr-1414	63	13	take	take	NOUN
asfbr-1414	63	14	-	-	PUNCT
asfbr-1414	63	15	up	up	NOUN
asfbr-1414	63	16	.	.	PUNCT
asfbr-1414	64	1	h4	h4	NOUN
asfbr-1414	64	2	:	:	PUNCT
asfbr-1414	64	3	perceived	perceive	VERB
asfbr-1414	64	4	risk	risk	NOUN
asfbr-1414	64	5	will	will	AUX
asfbr-1414	64	6	have	have	VERB
asfbr-1414	64	7	a	a	DET
asfbr-1414	64	8	detrimental	detrimental	ADJ
asfbr-1414	64	9	effect	effect	NOUN
asfbr-1414	64	10	on	on	ADP
asfbr-1414	64	11	mobile	mobile	ADJ
asfbr-1414	64	12	financial	financial	ADJ
asfbr-1414	64	13	service	service	NOUN
asfbr-1414	64	14	adoption	adoption	NOUN
asfbr-1414	64	15	perceived	perceive	VERB
asfbr-1414	64	16	cost	cost	NOUN
asfbr-1414	64	17	how	how	SCONJ
asfbr-1414	64	18	much	much	ADJ
asfbr-1414	64	19	an	an	DET
asfbr-1414	64	20	individual	individual	NOUN
asfbr-1414	64	21	accepts	accept	VERB
asfbr-1414	64	22	that	that	SCONJ
asfbr-1414	64	23	utilizing	utilize	VERB
asfbr-1414	64	24	mobile	mobile	ADJ
asfbr-1414	64	25	financial	financial	NOUN
asfbr-1414	64	26	will	will	AUX
asfbr-1414	64	27	cost	cost	VERB
asfbr-1414	64	28	cash	cash	NOUN
asfbr-1414	64	29	is	be	AUX
asfbr-1414	64	30	portrayed	portray	VERB
asfbr-1414	64	31	as	as	ADP
asfbr-1414	64	32	cost	cost	NOUN
asfbr-1414	64	33	(	(	PUNCT
asfbr-1414	64	34	chitungo	chitungo	NOUN
asfbr-1414	64	35	&	&	CCONJ
asfbr-1414	64	36	munongo	munongo	NOUN
asfbr-1414	64	37	,	,	PUNCT
asfbr-1414	64	38	2013	2013	NUM
asfbr-1414	64	39	)	)	PUNCT
asfbr-1414	64	40	.	.	PUNCT
asfbr-1414	65	1	the	the	DET
asfbr-1414	65	2	expense	expense	NOUN
asfbr-1414	65	3	might	might	AUX
asfbr-1414	65	4	incorporate	incorporate	VERB
asfbr-1414	65	5	transactional	transactional	ADJ
asfbr-1414	65	6	costs	cost	NOUN
asfbr-1414	65	7	,	,	PUNCT
asfbr-1414	65	8	for	for	ADP
asfbr-1414	65	9	example	example	NOUN
asfbr-1414	65	10	,	,	PUNCT
asfbr-1414	65	11	service	service	NOUN
asfbr-1414	65	12	charges	charge	NOUN
asfbr-1414	65	13	,	,	PUNCT
asfbr-1414	65	14	mobile	mobile	ADJ
asfbr-1414	65	15	communication	communication	NOUN
asfbr-1414	65	16	charges	charge	NOUN
asfbr-1414	65	17	(	(	PUNCT
asfbr-1414	65	18	like	like	ADP
asfbr-1414	65	19	sms	sms	NOUN
asfbr-1414	65	20	or	or	CCONJ
asfbr-1414	65	21	information	information	NOUN
asfbr-1414	65	22	)	)	PUNCT
asfbr-1414	65	23	,	,	PUNCT
asfbr-1414	65	24	and	and	CCONJ
asfbr-1414	65	25	cell	cell	NOUN
asfbr-1414	65	26	phone	phone	NOUN
asfbr-1414	65	27	costs	cost	NOUN
asfbr-1414	65	28	(	(	PUNCT
asfbr-1414	65	29	chitungo	chitungo	NOUN
asfbr-1414	65	30	&	&	CCONJ
asfbr-1414	65	31	munongo	munongo	NOUN
asfbr-1414	65	32	,	,	PUNCT
asfbr-1414	65	33	2013	2013	NUM
asfbr-1414	65	34	)	)	PUNCT
asfbr-1414	65	35	.	.	PUNCT
asfbr-1414	66	1	dass	dass	PROPN
asfbr-1414	66	2	&	&	CCONJ
asfbr-1414	66	3	pal	pal	PROPN
asfbr-1414	66	4	(	(	PUNCT
asfbr-1414	66	5	2011a	2011a	NUM
asfbr-1414	66	6	)	)	PUNCT
asfbr-1414	66	7	found	find	VERB
asfbr-1414	66	8	that	that	SCONJ
asfbr-1414	66	9	monetary	monetary	ADJ
asfbr-1414	66	10	expense	expense	NOUN
asfbr-1414	66	11	unfavorably	unfavorably	ADV
asfbr-1414	66	12	affects	affect	VERB
asfbr-1414	66	13	the	the	DET
asfbr-1414	66	14	take	take	VERB
asfbr-1414	66	15	-	-	PUNCT
asfbr-1414	66	16	up	up	NOUN
asfbr-1414	66	17	of	of	ADP
asfbr-1414	66	18	digital	digital	ADJ
asfbr-1414	66	19	financial	financial	ADJ
asfbr-1414	66	20	services	service	NOUN
asfbr-1414	66	21	.	.	PUNCT
asfbr-1414	67	1	moreover	moreover	ADV
asfbr-1414	67	2	,	,	PUNCT
asfbr-1414	67	3	cost	cost	NOUN
asfbr-1414	67	4	contemplations	contemplation	NOUN
asfbr-1414	67	5	might	might	AUX
asfbr-1414	67	6	deter	deter	VERB
asfbr-1414	67	7	people	people	NOUN
asfbr-1414	67	8	from	from	ADP
asfbr-1414	67	9	accepting	accept	VERB
asfbr-1414	67	10	mobile	mobile	ADJ
asfbr-1414	67	11	banking	banking	NOUN
asfbr-1414	67	12	services	service	NOUN
asfbr-1414	67	13	in	in	ADP
asfbr-1414	67	14	case	case	NOUN
asfbr-1414	67	15	they	they	PRON
asfbr-1414	67	16	are	be	AUX
asfbr-1414	67	17	restrictively	restrictively	ADV
asfbr-1414	67	18	costly	costly	ADJ
asfbr-1414	67	19	,	,	PUNCT
asfbr-1414	67	20	yet	yet	CCONJ
asfbr-1414	67	21	in	in	ADP
asfbr-1414	67	22	case	case	NOUN
asfbr-1414	67	23	they	they	PRON
asfbr-1414	67	24	are	be	AUX
asfbr-1414	67	25	sensible	sensible	ADJ
asfbr-1414	67	26	,	,	PUNCT
asfbr-1414	67	27	it	it	PRON
asfbr-1414	67	28	tends	tend	VERB
asfbr-1414	67	29	to	to	PART
asfbr-1414	67	30	be	be	AUX
asfbr-1414	67	31	an	an	DET
asfbr-1414	67	32	inspiration	inspiration	NOUN
asfbr-1414	67	33	for	for	ADP
asfbr-1414	67	34	quicker	quick	ADJ
asfbr-1414	67	35	reception	reception	NOUN
asfbr-1414	67	36	(	(	PUNCT
asfbr-1414	67	37	tobbin	tobbin	NOUN
asfbr-1414	67	38	&	&	CCONJ
asfbr-1414	67	39	kuwornu	kuwornu	PROPN
asfbr-1414	67	40	,	,	PUNCT
asfbr-1414	67	41	2011	2011	NUM
asfbr-1414	67	42	)	)	PUNCT
asfbr-1414	67	43	.	.	PUNCT
asfbr-1414	68	1	in	in	ADP
asfbr-1414	68	2	light	light	NOUN
asfbr-1414	68	3	of	of	ADP
asfbr-1414	68	4	the	the	DET
asfbr-1414	68	5	above	above	PROPN
asfbr-1414	68	6	literature	literature	PROPN
asfbr-1414	68	7	review	review	PROPN
asfbr-1414	68	8	,	,	PUNCT
asfbr-1414	68	9	the	the	DET
asfbr-1414	68	10	accompanying	accompanying	ADJ
asfbr-1414	68	11	hypothesis	hypothesis	NOUN
asfbr-1414	68	12	is	be	AUX
asfbr-1414	68	13	proposed	propose	VERB
asfbr-1414	68	14	as	as	ADP
asfbr-1414	68	15	:	:	PUNCT
asfbr-1414	68	16	h5	h5	PROPN
asfbr-1414	68	17	:	:	PUNCT
asfbr-1414	68	18	the	the	DET
asfbr-1414	68	19	perceived	perceive	VERB
asfbr-1414	68	20	cost	cost	NOUN
asfbr-1414	68	21	of	of	ADP
asfbr-1414	68	22	mobile	mobile	ADJ
asfbr-1414	68	23	financial	financial	ADJ
asfbr-1414	68	24	services	service	NOUN
asfbr-1414	68	25	will	will	AUX
asfbr-1414	68	26	have	have	VERB
asfbr-1414	68	27	a	a	DET
asfbr-1414	68	28	major	major	ADJ
asfbr-1414	68	29	negative	negative	ADJ
asfbr-1414	68	30	impact	impact	NOUN
asfbr-1414	68	31	on	on	ADP
asfbr-1414	68	32	the	the	DET
asfbr-1414	68	33	adoption	adoption	NOUN
asfbr-1414	68	34	of	of	ADP
asfbr-1414	68	35	mobile	mobile	ADJ
asfbr-1414	68	36	financial	financial	ADJ
asfbr-1414	68	37	services	service	NOUN
asfbr-1414	68	38	reliability	reliability	NOUN
asfbr-1414	68	39	reliability	reliability	NOUN
asfbr-1414	68	40	can	can	AUX
asfbr-1414	68	41	likewise	likewise	ADV
asfbr-1414	68	42	be	be	AUX
asfbr-1414	68	43	considered	consider	VERB
asfbr-1414	68	44	as	as	ADP
asfbr-1414	68	45	a	a	DET
asfbr-1414	68	46	predictor	predictor	NOUN
asfbr-1414	68	47	variable	variable	NOUN
asfbr-1414	68	48	in	in	ADP
asfbr-1414	68	49	the	the	DET
asfbr-1414	68	50	reception	reception	NOUN
asfbr-1414	68	51	and	and	CCONJ
asfbr-1414	68	52	utilization	utilization	NOUN
asfbr-1414	68	53	of	of	ADP
asfbr-1414	68	54	digital	digital	ADJ
asfbr-1414	68	55	banking	banking	NOUN
asfbr-1414	68	56	services	service	NOUN
asfbr-1414	68	57	that	that	PRON
asfbr-1414	68	58	can	can	AUX
asfbr-1414	68	59	be	be	AUX
asfbr-1414	68	60	included	include	VERB
asfbr-1414	68	61	in	in	ADP
asfbr-1414	68	62	tam	tam	NOUN
asfbr-1414	68	63	system	system	NOUN
asfbr-1414	68	64	since	since	SCONJ
asfbr-1414	68	65	client	client	NOUN
asfbr-1414	68	66	acknowledgment	acknowledgment	NOUN
asfbr-1414	68	67	is	be	AUX
asfbr-1414	68	68	the	the	DET
asfbr-1414	68	69	super	super	ADJ
asfbr-1414	68	70	basic	basic	ADJ
asfbr-1414	68	71	part	part	NOUN
asfbr-1414	68	72	in	in	ADP
asfbr-1414	68	73	the	the	DET
asfbr-1414	68	74	reception	reception	NOUN
asfbr-1414	68	75	of	of	ADP
asfbr-1414	68	76	innovation	innovation	NOUN
asfbr-1414	68	77	like	like	ADP
asfbr-1414	68	78	mobile	mobile	NOUN
asfbr-1414	68	79	money	money	NOUN
asfbr-1414	68	80	services	service	NOUN
asfbr-1414	68	81	without	without	ADP
asfbr-1414	68	82	which	which	PRON
asfbr-1414	68	83	any	any	DET
asfbr-1414	68	84	innovation	innovation	NOUN
asfbr-1414	68	85	can	can	AUX
asfbr-1414	68	86	be	be	AUX
asfbr-1414	68	87	outdated	outdate	VERB
asfbr-1414	68	88	so	so	ADV
asfbr-1414	68	89	for	for	SCONJ
asfbr-1414	68	90	this	this	DET
asfbr-1414	68	91	reason	reason	NOUN
asfbr-1414	68	92	solid	solid	ADJ
asfbr-1414	68	93	and	and	CCONJ
asfbr-1414	68	94	secure	secure	ADJ
asfbr-1414	68	95	technique	technique	NOUN
asfbr-1414	68	96	can	can	AUX
asfbr-1414	68	97	be	be	AUX
asfbr-1414	68	98	consider	consider	VERB
asfbr-1414	68	99	like	like	ADP
asfbr-1414	68	100	bio	bio	PROPN
asfbr-1414	68	101	metric	metric	ADJ
asfbr-1414	68	102	instrument	instrument	NOUN
asfbr-1414	68	103	for	for	ADP
asfbr-1414	68	104	accomplishing	accomplish	VERB
asfbr-1414	68	105	the	the	DET
asfbr-1414	68	106	client	client	NOUN
asfbr-1414	68	107	trust	trust	NOUN
asfbr-1414	68	108	and	and	CCONJ
asfbr-1414	68	109	acknowledgment	acknowledgment	NOUN
asfbr-1414	68	110	in	in	ADP
asfbr-1414	68	111	online	online	ADJ
asfbr-1414	68	112	payments	payment	NOUN
asfbr-1414	68	113	through	through	ADP
asfbr-1414	68	114	cell	cell	NOUN
asfbr-1414	68	115	phone	phone	NOUN
asfbr-1414	68	116	.	.	PUNCT
asfbr-1414	69	1	buckley	buckley	NOUN
asfbr-1414	69	2	and	and	CCONJ
asfbr-1414	69	3	nurse	nurse	NOUN
asfbr-1414	69	4	(	(	PUNCT
asfbr-1414	69	5	2019	2019	NUM
asfbr-1414	69	6	)	)	PUNCT
asfbr-1414	69	7	appear	appear	VERB
asfbr-1414	69	8	to	to	PART
asfbr-1414	69	9	demonstrate	demonstrate	VERB
asfbr-1414	69	10	that	that	SCONJ
asfbr-1414	69	11	fingerprint	fingerprint	NOUN
asfbr-1414	69	12	scanning	scanning	NOUN
asfbr-1414	69	13	is	be	AUX
asfbr-1414	69	14	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	69	15	asian	asian	ADJ
asfbr-1414	69	16	finance	finance	PROPN
asfbr-1414	69	17	&	&	CCONJ
asfbr-1414	69	18	banking	banking	PROPN
asfbr-1414	69	19	review	review	PROPN
asfbr-1414	69	20	vol	vol	NOUN
asfbr-1414	69	21	.	.	PROPN
asfbr-1414	70	1	5	5	NUM
asfbr-1414	70	2	,	,	PUNCT
asfbr-1414	70	3	no	no	INTJ
asfbr-1414	70	4	.	.	NOUN
asfbr-1414	70	5	1	1	NUM
asfbr-1414	70	6	;	;	PUNCT
asfbr-1414	70	7	2021	2021	NUM
asfbr-1414	70	8	42	42	NUM
asfbr-1414	70	9	a	a	DET
asfbr-1414	70	10	widely	widely	ADV
asfbr-1414	70	11	used	use	VERB
asfbr-1414	70	12	authentication	authentication	NOUN
asfbr-1414	70	13	mechanism	mechanism	NOUN
asfbr-1414	70	14	.	.	PUNCT
asfbr-1414	71	1	finally	finally	ADV
asfbr-1414	71	2	,	,	PUNCT
asfbr-1414	71	3	a	a	DET
asfbr-1414	71	4	2015	2015	NUM
asfbr-1414	71	5	south	south	ADJ
asfbr-1414	71	6	korean	korean	ADJ
asfbr-1414	71	7	study	study	NOUN
asfbr-1414	71	8	found	find	VERB
asfbr-1414	71	9	that	that	SCONJ
asfbr-1414	71	10	consumers	consumer	NOUN
asfbr-1414	71	11	are	be	AUX
asfbr-1414	71	12	more	more	ADV
asfbr-1414	71	13	inclined	inclined	ADJ
asfbr-1414	71	14	to	to	PART
asfbr-1414	71	15	utilise	utilise	VERB
asfbr-1414	71	16	methods	method	NOUN
asfbr-1414	71	17	that	that	PRON
asfbr-1414	71	18	are	be	AUX
asfbr-1414	71	19	less	less	ADV
asfbr-1414	71	20	secure	secure	ADJ
asfbr-1414	71	21	but	but	CCONJ
asfbr-1414	71	22	easier	easy	ADJ
asfbr-1414	71	23	to	to	PART
asfbr-1414	71	24	use	use	VERB
asfbr-1414	71	25	,	,	PUNCT
asfbr-1414	71	26	such	such	ADJ
asfbr-1414	71	27	as	as	ADP
asfbr-1414	71	28	fingerprint	fingerprint	NOUN
asfbr-1414	71	29	scanning	scanning	NOUN
asfbr-1414	71	30	.	.	PUNCT
asfbr-1414	72	1	finally	finally	ADV
asfbr-1414	72	2	,	,	PUNCT
asfbr-1414	72	3	arguably	arguably	ADV
asfbr-1414	72	4	the	the	DET
asfbr-1414	72	5	most	most	ADV
asfbr-1414	72	6	concerning	concern	VERB
asfbr-1414	72	7	finding	finding	NOUN
asfbr-1414	72	8	from	from	ADP
asfbr-1414	72	9	their	their	PRON
asfbr-1414	72	10	survey	survey	NOUN
asfbr-1414	72	11	was	be	AUX
asfbr-1414	72	12	that	that	SCONJ
asfbr-1414	72	13	83	83	NUM
asfbr-1414	72	14	%	%	NOUN
asfbr-1414	72	15	of	of	ADP
asfbr-1414	72	16	respondents	respondent	NOUN
asfbr-1414	72	17	believed	believe	VERB
asfbr-1414	72	18	biometric	biometric	ADJ
asfbr-1414	72	19	authentication	authentication	NOUN
asfbr-1414	72	20	methods	method	NOUN
asfbr-1414	72	21	are	be	AUX
asfbr-1414	72	22	equally	equally	ADV
asfbr-1414	72	23	secure	secure	ADJ
asfbr-1414	72	24	as	as	ADP
asfbr-1414	72	25	passwords	password	NOUN
asfbr-1414	72	26	.	.	PUNCT
asfbr-1414	73	1	h6	h6	NOUN
asfbr-1414	73	2	:	:	PUNCT
asfbr-1414	73	3	reliability	reliability	NOUN
asfbr-1414	73	4	will	will	AUX
asfbr-1414	73	5	have	have	VERB
asfbr-1414	73	6	a	a	DET
asfbr-1414	73	7	significant	significant	ADJ
asfbr-1414	73	8	impact	impact	NOUN
asfbr-1414	73	9	on	on	ADP
asfbr-1414	73	10	the	the	DET
asfbr-1414	73	11	use	use	NOUN
asfbr-1414	73	12	of	of	ADP
asfbr-1414	73	13	mobile	mobile	ADJ
asfbr-1414	73	14	financial	financial	ADJ
asfbr-1414	73	15	services	service	NOUN
asfbr-1414	73	16	research	research	NOUN
asfbr-1414	73	17	problem	problem	NOUN
asfbr-1414	73	18	this	this	DET
asfbr-1414	73	19	study	study	NOUN
asfbr-1414	73	20	focuses	focus	VERB
asfbr-1414	73	21	on	on	ADP
asfbr-1414	73	22	the	the	DET
asfbr-1414	73	23	economic	economic	ADJ
asfbr-1414	73	24	impact	impact	NOUN
asfbr-1414	73	25	of	of	ADP
asfbr-1414	73	26	mobile	mobile	ADJ
asfbr-1414	73	27	financial	financial	ADJ
asfbr-1414	73	28	services	service	NOUN
asfbr-1414	73	29	and	and	CCONJ
asfbr-1414	73	30	the	the	DET
asfbr-1414	73	31	factors	factor	NOUN
asfbr-1414	73	32	that	that	PRON
asfbr-1414	73	33	influence	influence	VERB
asfbr-1414	73	34	their	their	PRON
asfbr-1414	73	35	use	use	NOUN
asfbr-1414	73	36	in	in	ADP
asfbr-1414	73	37	developing	develop	VERB
asfbr-1414	73	38	countries	country	NOUN
asfbr-1414	73	39	such	such	ADJ
asfbr-1414	73	40	as	as	ADP
asfbr-1414	73	41	pakistan	pakistan	PROPN
asfbr-1414	73	42	,	,	PUNCT
asfbr-1414	73	43	where	where	SCONJ
asfbr-1414	73	44	the	the	DET
asfbr-1414	73	45	majority	majority	NOUN
asfbr-1414	73	46	of	of	ADP
asfbr-1414	73	47	the	the	DET
asfbr-1414	73	48	population	population	NOUN
asfbr-1414	73	49	does	do	AUX
asfbr-1414	73	50	not	not	PART
asfbr-1414	73	51	use	use	VERB
asfbr-1414	73	52	mobile	mobile	ADJ
asfbr-1414	73	53	internet	internet	NOUN
asfbr-1414	73	54	or	or	CCONJ
asfbr-1414	73	55	have	have	VERB
asfbr-1414	73	56	access	access	NOUN
asfbr-1414	73	57	to	to	ADP
asfbr-1414	73	58	formal	formal	ADJ
asfbr-1414	73	59	financial	financial	ADJ
asfbr-1414	73	60	services	service	NOUN
asfbr-1414	73	61	,	,	PUNCT
asfbr-1414	73	62	putting	put	VERB
asfbr-1414	73	63	them	they	PRON
asfbr-1414	73	64	at	at	ADP
asfbr-1414	73	65	risk	risk	NOUN
asfbr-1414	73	66	of	of	ADP
asfbr-1414	73	67	missing	miss	VERB
asfbr-1414	73	68	out	out	ADP
asfbr-1414	73	69	the	the	DET
asfbr-1414	73	70	economic	economic	ADJ
asfbr-1414	73	71	benefits	benefit	NOUN
asfbr-1414	73	72	of	of	ADP
asfbr-1414	73	73	digital	digital	ADJ
asfbr-1414	73	74	transformation	transformation	NOUN
asfbr-1414	73	75	.	.	PUNCT
asfbr-1414	74	1	gender	gender	NOUN
asfbr-1414	74	2	,	,	PUNCT
asfbr-1414	74	3	regional	regional	ADJ
asfbr-1414	74	4	,	,	PUNCT
asfbr-1414	74	5	economic	economic	ADJ
asfbr-1414	74	6	,	,	PUNCT
asfbr-1414	74	7	and	and	CCONJ
asfbr-1414	74	8	literacy	literacy	NOUN
asfbr-1414	74	9	barriers	barrier	NOUN
asfbr-1414	74	10	all	all	PRON
asfbr-1414	74	11	contribute	contribute	VERB
asfbr-1414	74	12	to	to	ADP
asfbr-1414	74	13	the	the	DET
asfbr-1414	74	14	exclusion	exclusion	NOUN
asfbr-1414	74	15	gap	gap	NOUN
asfbr-1414	74	16	.	.	PUNCT
asfbr-1414	75	1	in	in	ADP
asfbr-1414	75	2	pakistan	pakistan	PROPN
asfbr-1414	75	3	,	,	PUNCT
asfbr-1414	75	4	for	for	ADP
asfbr-1414	75	5	example	example	NOUN
asfbr-1414	75	6	,	,	PUNCT
asfbr-1414	75	7	women	woman	NOUN
asfbr-1414	75	8	are	be	AUX
asfbr-1414	75	9	37	37	NUM
asfbr-1414	75	10	%	%	NOUN
asfbr-1414	75	11	less	less	ADV
asfbr-1414	75	12	likely	likely	ADJ
asfbr-1414	75	13	than	than	SCONJ
asfbr-1414	75	14	men	man	NOUN
asfbr-1414	75	15	to	to	PART
asfbr-1414	75	16	own	own	VERB
asfbr-1414	75	17	a	a	DET
asfbr-1414	75	18	cell	cell	NOUN
asfbr-1414	75	19	phone	phone	NOUN
asfbr-1414	75	20	.	.	PUNCT
asfbr-1414	76	1	addressing	address	VERB
asfbr-1414	76	2	the	the	DET
asfbr-1414	76	3	issue	issue	NOUN
asfbr-1414	76	4	of	of	ADP
asfbr-1414	76	5	service	service	NOUN
asfbr-1414	76	6	access	access	NOUN
asfbr-1414	76	7	and	and	CCONJ
asfbr-1414	76	8	consumption	consumption	NOUN
asfbr-1414	76	9	is	be	AUX
asfbr-1414	76	10	critical	critical	ADJ
asfbr-1414	76	11	to	to	ADP
asfbr-1414	76	12	optimising	optimise	VERB
asfbr-1414	76	13	the	the	DET
asfbr-1414	76	14	impact	impact	NOUN
asfbr-1414	76	15	of	of	ADP
asfbr-1414	76	16	mobile	mobile	NOUN
asfbr-1414	76	17	-	-	PUNCT
asfbr-1414	76	18	enabled	enable	VERB
asfbr-1414	76	19	digital	digital	ADJ
asfbr-1414	76	20	transformation	transformation	NOUN
asfbr-1414	76	21	in	in	ADP
asfbr-1414	76	22	pakistan	pakistan	PROPN
asfbr-1414	76	23	.	.	PUNCT
asfbr-1414	77	1	thus	thus	ADV
asfbr-1414	77	2	it	it	PRON
asfbr-1414	77	3	addresses	address	VERB
asfbr-1414	77	4	the	the	DET
asfbr-1414	77	5	following	follow	VERB
asfbr-1414	77	6	questions	question	NOUN
asfbr-1414	77	7	to	to	PART
asfbr-1414	77	8	be	be	AUX
asfbr-1414	77	9	answered	answer	VERB
asfbr-1414	77	10	:	:	PUNCT
asfbr-1414	77	11	question	question	NOUN
asfbr-1414	77	12	1	1	NUM
asfbr-1414	77	13	:	:	PUNCT
asfbr-1414	77	14	does	do	AUX
asfbr-1414	77	15	mobile	mobile	ADJ
asfbr-1414	77	16	financial	financial	ADJ
asfbr-1414	77	17	service	service	NOUN
asfbr-1414	77	18	has	have	VERB
asfbr-1414	77	19	positive	positive	ADJ
asfbr-1414	77	20	effect	effect	NOUN
asfbr-1414	77	21	on	on	ADP
asfbr-1414	77	22	country	country	NOUN
asfbr-1414	77	23	’s	’s	PART
asfbr-1414	77	24	economic	economic	ADJ
asfbr-1414	77	25	growth	growth	NOUN
asfbr-1414	77	26	?	?	PUNCT
asfbr-1414	78	1	question	question	NOUN
asfbr-1414	78	2	2	2	NUM
asfbr-1414	78	3	:	:	PUNCT
asfbr-1414	78	4	what	what	DET
asfbr-1414	78	5	factors	factor	NOUN
asfbr-1414	78	6	will	will	AUX
asfbr-1414	78	7	influence	influence	VERB
asfbr-1414	78	8	its	its	PRON
asfbr-1414	78	9	usage	usage	NOUN
asfbr-1414	78	10	?	?	PUNCT
asfbr-1414	79	1	research	research	NOUN
asfbr-1414	79	2	gap	gap	NOUN
asfbr-1414	79	3	it	it	PRON
asfbr-1414	79	4	is	be	AUX
asfbr-1414	79	5	obvious	obvious	ADJ
asfbr-1414	79	6	that	that	SCONJ
asfbr-1414	79	7	a	a	DET
asfbr-1414	79	8	vision	vision	NOUN
asfbr-1414	79	9	of	of	ADP
asfbr-1414	79	10	a	a	DET
asfbr-1414	79	11	technologically	technologically	ADV
asfbr-1414	79	12	advanced	advance	VERB
asfbr-1414	79	13	financial	financial	ADJ
asfbr-1414	79	14	inclusive	inclusive	ADJ
asfbr-1414	79	15	ecosystem	ecosystem	NOUN
asfbr-1414	79	16	can	can	AUX
asfbr-1414	79	17	not	not	PART
asfbr-1414	79	18	be	be	AUX
asfbr-1414	79	19	realised	realise	VERB
asfbr-1414	79	20	without	without	ADP
asfbr-1414	79	21	the	the	DET
asfbr-1414	79	22	deployment	deployment	NOUN
asfbr-1414	79	23	of	of	ADP
asfbr-1414	79	24	technologically	technologically	ADV
asfbr-1414	79	25	innovative	innovative	ADJ
asfbr-1414	79	26	financial	financial	ADJ
asfbr-1414	79	27	systems	system	NOUN
asfbr-1414	79	28	and	and	CCONJ
asfbr-1414	79	29	solutions	solution	NOUN
asfbr-1414	79	30	that	that	PRON
asfbr-1414	79	31	provide	provide	VERB
asfbr-1414	79	32	unrestricted	unrestricted	ADJ
asfbr-1414	79	33	access	access	NOUN
asfbr-1414	79	34	to	to	ADP
asfbr-1414	79	35	financial	financial	ADJ
asfbr-1414	79	36	services	service	NOUN
asfbr-1414	79	37	to	to	ADP
asfbr-1414	79	38	all	all	DET
asfbr-1414	79	39	citizens	citizen	NOUN
asfbr-1414	79	40	in	in	ADP
asfbr-1414	79	41	the	the	DET
asfbr-1414	79	42	country	country	NOUN
asfbr-1414	79	43	.	.	PUNCT
asfbr-1414	80	1	the	the	DET
asfbr-1414	80	2	idea	idea	NOUN
asfbr-1414	80	3	is	be	AUX
asfbr-1414	80	4	to	to	PART
asfbr-1414	80	5	leverage	leverage	VERB
asfbr-1414	80	6	mobile	mobile	ADJ
asfbr-1414	80	7	financial	financial	ADJ
asfbr-1414	80	8	services	service	NOUN
asfbr-1414	80	9	to	to	PART
asfbr-1414	80	10	create	create	VERB
asfbr-1414	80	11	markets	market	NOUN
asfbr-1414	80	12	so	so	ADV
asfbr-1414	80	13	inclusive	inclusive	ADJ
asfbr-1414	80	14	that	that	SCONJ
asfbr-1414	80	15	even	even	ADV
asfbr-1414	80	16	tiny	tiny	ADJ
asfbr-1414	80	17	businesses	business	NOUN
asfbr-1414	80	18	in	in	ADP
asfbr-1414	80	19	pakistan	pakistan	PROPN
asfbr-1414	80	20	,	,	PUNCT
asfbr-1414	80	21	such	such	ADJ
asfbr-1414	80	22	as	as	ADP
asfbr-1414	80	23	women	woman	NOUN
asfbr-1414	80	24	who	who	PRON
asfbr-1414	80	25	prepare	prepare	VERB
asfbr-1414	80	26	fruit	fruit	NOUN
asfbr-1414	80	27	relishes	relish	NOUN
asfbr-1414	80	28	in	in	ADP
asfbr-1414	80	29	rural	rural	ADJ
asfbr-1414	80	30	areas	area	NOUN
asfbr-1414	80	31	,	,	PUNCT
asfbr-1414	80	32	can	can	AUX
asfbr-1414	80	33	sell	sell	VERB
asfbr-1414	80	34	their	their	PRON
asfbr-1414	80	35	products	product	NOUN
asfbr-1414	80	36	online	online	ADV
asfbr-1414	80	37	across	across	ADP
asfbr-1414	80	38	pakistan	pakistan	PROPN
asfbr-1414	80	39	and	and	CCONJ
asfbr-1414	80	40	collect	collect	VERB
asfbr-1414	80	41	revenue	revenue	NOUN
asfbr-1414	80	42	digitally	digitally	ADV
asfbr-1414	80	43	in	in	ADP
asfbr-1414	80	44	their	their	PRON
asfbr-1414	80	45	mobile	mobile	ADJ
asfbr-1414	80	46	wallets	wallet	NOUN
asfbr-1414	80	47	.	.	PUNCT
asfbr-1414	81	1	though	though	SCONJ
asfbr-1414	81	2	pakistan	pakistan	PROPN
asfbr-1414	81	3	has	have	VERB
asfbr-1414	81	4	a	a	DET
asfbr-1414	81	5	nascent	nascent	ADJ
asfbr-1414	81	6	and	and	CCONJ
asfbr-1414	81	7	transformational	transformational	ADJ
asfbr-1414	81	8	role	role	NOUN
asfbr-1414	81	9	in	in	ADP
asfbr-1414	81	10	the	the	DET
asfbr-1414	81	11	mfs	mfs	NOUN
asfbr-1414	81	12	ecosystem	ecosystem	NOUN
asfbr-1414	81	13	,	,	PUNCT
asfbr-1414	81	14	the	the	DET
asfbr-1414	81	15	economic	economic	ADJ
asfbr-1414	81	16	ramifications	ramification	NOUN
asfbr-1414	81	17	and	and	CCONJ
asfbr-1414	81	18	factors	factor	NOUN
asfbr-1414	81	19	that	that	PRON
asfbr-1414	81	20	impact	impact	VERB
asfbr-1414	81	21	its	its	PRON
asfbr-1414	81	22	use	use	NOUN
asfbr-1414	81	23	have	have	AUX
asfbr-1414	81	24	been	be	AUX
asfbr-1414	81	25	understudied	understudy	VERB
asfbr-1414	81	26	thus	thus	ADV
asfbr-1414	81	27	far	far	ADV
asfbr-1414	81	28	.	.	PUNCT
asfbr-1414	82	1	as	as	ADP
asfbr-1414	82	2	a	a	DET
asfbr-1414	82	3	result	result	NOUN
asfbr-1414	82	4	,	,	PUNCT
asfbr-1414	82	5	it	it	PRON
asfbr-1414	82	6	is	be	AUX
asfbr-1414	82	7	deemed	deem	VERB
asfbr-1414	82	8	necessary	necessary	ADJ
asfbr-1414	82	9	to	to	PART
asfbr-1414	82	10	fill	fill	VERB
asfbr-1414	82	11	the	the	DET
asfbr-1414	82	12	gap	gap	NOUN
asfbr-1414	82	13	by	by	ADP
asfbr-1414	82	14	researching	research	VERB
asfbr-1414	82	15	the	the	DET
asfbr-1414	82	16	connectivity	connectivity	NOUN
asfbr-1414	82	17	of	of	ADP
asfbr-1414	82	18	mobile	mobile	ADJ
asfbr-1414	82	19	financial	financial	ADJ
asfbr-1414	82	20	services	service	NOUN
asfbr-1414	82	21	with	with	ADP
asfbr-1414	82	22	the	the	DET
asfbr-1414	82	23	implications	implication	NOUN
asfbr-1414	82	24	of	of	ADP
asfbr-1414	82	25	economic	economic	ADJ
asfbr-1414	82	26	factors	factor	NOUN
asfbr-1414	82	27	and	and	CCONJ
asfbr-1414	82	28	factors	factor	NOUN
asfbr-1414	82	29	such	such	ADJ
asfbr-1414	82	30	as	as	ADP
asfbr-1414	82	31	(	(	PUNCT
asfbr-1414	82	32	perceived	perceive	VERB
asfbr-1414	82	33	risk	risk	NOUN
asfbr-1414	82	34	,	,	PUNCT
asfbr-1414	82	35	trust	trust	NOUN
asfbr-1414	82	36	,	,	PUNCT
asfbr-1414	82	37	convenience	convenience	NOUN
asfbr-1414	82	38	,	,	PUNCT
asfbr-1414	82	39	perceived	perceive	VERB
asfbr-1414	82	40	cost	cost	NOUN
asfbr-1414	82	41	,	,	PUNCT
asfbr-1414	82	42	and	and	CCONJ
asfbr-1414	82	43	reliability	reliability	NOUN
asfbr-1414	82	44	)	)	PUNCT
asfbr-1414	82	45	that	that	PRON
asfbr-1414	82	46	affect	affect	VERB
asfbr-1414	82	47	its	its	PRON
asfbr-1414	82	48	usage	usage	NOUN
asfbr-1414	82	49	when	when	SCONJ
asfbr-1414	82	50	widely	widely	ADV
asfbr-1414	82	51	adopted	adopt	VERB
asfbr-1414	82	52	in	in	ADP
asfbr-1414	82	53	lower	lower	ADV
asfbr-1414	82	54	-	-	PUNCT
asfbr-1414	82	55	middle	middle	ADJ
asfbr-1414	82	56	income	income	NOUN
asfbr-1414	82	57	countries	country	NOUN
asfbr-1414	82	58	such	such	ADJ
asfbr-1414	82	59	as	as	ADP
asfbr-1414	82	60	pakistan	pakistan	PROPN
asfbr-1414	82	61	.	.	PUNCT
asfbr-1414	83	1	significance	significance	NOUN
asfbr-1414	83	2	of	of	ADP
asfbr-1414	83	3	the	the	DET
asfbr-1414	83	4	study	study	NOUN
asfbr-1414	83	5	the	the	DET
asfbr-1414	83	6	importance	importance	NOUN
asfbr-1414	83	7	of	of	ADP
asfbr-1414	83	8	this	this	DET
asfbr-1414	83	9	study	study	NOUN
asfbr-1414	83	10	is	be	AUX
asfbr-1414	83	11	that	that	SCONJ
asfbr-1414	83	12	mobile	mobile	ADJ
asfbr-1414	83	13	banking	banking	NOUN
asfbr-1414	83	14	is	be	AUX
asfbr-1414	83	15	not	not	PART
asfbr-1414	83	16	intended	intend	VERB
asfbr-1414	83	17	to	to	PART
asfbr-1414	83	18	replace	replace	VERB
asfbr-1414	83	19	the	the	DET
asfbr-1414	83	20	banking	banking	NOUN
asfbr-1414	83	21	system	system	NOUN
asfbr-1414	83	22	today	today	NOUN
asfbr-1414	83	23	;	;	PUNCT
asfbr-1414	83	24	rather	rather	ADV
asfbr-1414	83	25	,	,	PUNCT
asfbr-1414	83	26	they	they	PRON
asfbr-1414	83	27	aim	aim	VERB
asfbr-1414	83	28	to	to	PART
asfbr-1414	83	29	expand	expand	VERB
asfbr-1414	83	30	it	it	PRON
asfbr-1414	83	31	and	and	CCONJ
asfbr-1414	83	32	create	create	VERB
asfbr-1414	83	33	more	more	ADJ
asfbr-1414	83	34	employment	employment	NOUN
asfbr-1414	83	35	opportunities	opportunity	NOUN
asfbr-1414	83	36	for	for	ADP
asfbr-1414	83	37	many	many	ADJ
asfbr-1414	83	38	.	.	PUNCT
asfbr-1414	84	1	communication	communication	NOUN
asfbr-1414	84	2	companies	company	NOUN
asfbr-1414	84	3	have	have	VERB
asfbr-1414	84	4	a	a	DET
asfbr-1414	84	5	clear	clear	ADJ
asfbr-1414	84	6	advantage	advantage	NOUN
asfbr-1414	84	7	in	in	ADP
asfbr-1414	84	8	providing	provide	VERB
asfbr-1414	84	9	customers	customer	NOUN
asfbr-1414	84	10	who	who	PRON
asfbr-1414	84	11	have	have	VERB
asfbr-1414	84	12	difficulty	difficulty	NOUN
asfbr-1414	84	13	accessing	access	VERB
asfbr-1414	84	14	traditional	traditional	ADJ
asfbr-1414	84	15	mobile	mobile	ADJ
asfbr-1414	84	16	banking	banking	NOUN
asfbr-1414	84	17	services	service	NOUN
asfbr-1414	84	18	.	.	PUNCT
asfbr-1414	85	1	the	the	DET
asfbr-1414	85	2	carrier	carrier	NOUN
asfbr-1414	85	3	(	(	PUNCT
asfbr-1414	85	4	mobile	mobile	NOUN
asfbr-1414	85	5	operator	operator	NOUN
asfbr-1414	85	6	)	)	PUNCT
asfbr-1414	85	7	has	have	VERB
asfbr-1414	85	8	a	a	DET
asfbr-1414	85	9	pre	pre	ADJ
asfbr-1414	85	10	-	-	ADJ
asfbr-1414	85	11	existing	existing	ADJ
asfbr-1414	85	12	relationship	relationship	NOUN
asfbr-1414	85	13	with	with	ADP
asfbr-1414	85	14	customers	customer	NOUN
asfbr-1414	85	15	who	who	PRON
asfbr-1414	85	16	have	have	AUX
asfbr-1414	85	17	purchased	purchase	VERB
asfbr-1414	85	18	the	the	DET
asfbr-1414	85	19	required	require	VERB
asfbr-1414	85	20	mobile	mobile	ADJ
asfbr-1414	85	21	phone	phone	NOUN
asfbr-1414	85	22	,	,	PUNCT
asfbr-1414	85	23	and	and	CCONJ
asfbr-1414	85	24	it	it	PRON
asfbr-1414	85	25	is	be	AUX
asfbr-1414	85	26	a	a	DET
asfbr-1414	85	27	wellknown	wellknown	ADJ
asfbr-1414	85	28	brand	brand	NOUN
asfbr-1414	85	29	and	and	CCONJ
asfbr-1414	85	30	trusted	trust	VERB
asfbr-1414	85	31	with	with	ADP
asfbr-1414	85	32	a	a	DET
asfbr-1414	85	33	large	large	ADJ
asfbr-1414	85	34	secure	secure	ADJ
asfbr-1414	85	35	server	server	NOUN
asfbr-1414	85	36	.	.	PUNCT
asfbr-1414	86	1	with	with	ADP
asfbr-1414	86	2	its	its	PRON
asfbr-1414	86	3	vast	vast	ADJ
asfbr-1414	86	4	experience	experience	NOUN
asfbr-1414	86	5	serving	serve	VERB
asfbr-1414	86	6	many	many	ADJ
asfbr-1414	86	7	customers	customer	NOUN
asfbr-1414	86	8	and	and	CCONJ
asfbr-1414	86	9	answering	answer	VERB
asfbr-1414	86	10	their	their	PRON
asfbr-1414	86	11	needs	need	NOUN
asfbr-1414	86	12	,	,	PUNCT
asfbr-1414	86	13	the	the	DET
asfbr-1414	86	14	user	user	NOUN
asfbr-1414	86	15	is	be	AUX
asfbr-1414	86	16	also	also	ADV
asfbr-1414	86	17	able	able	ADJ
asfbr-1414	86	18	to	to	PART
asfbr-1414	86	19	focus	focus	VERB
asfbr-1414	86	20	on	on	ADP
asfbr-1414	86	21	long	long	ADJ
asfbr-1414	86	22	tail	tail	NOUN
asfbr-1414	86	23	customers	customer	NOUN
asfbr-1414	86	24	.	.	PUNCT
asfbr-1414	87	1	traditional	traditional	ADJ
asfbr-1414	87	2	financial	financial	ADJ
asfbr-1414	87	3	institutions	institution	NOUN
asfbr-1414	87	4	often	often	ADV
asfbr-1414	87	5	focus	focus	VERB
asfbr-1414	87	6	on	on	ADP
asfbr-1414	87	7	people	people	NOUN
asfbr-1414	87	8	with	with	ADP
asfbr-1414	87	9	large	large	ADJ
asfbr-1414	87	10	finances	finance	NOUN
asfbr-1414	87	11	,	,	PUNCT
asfbr-1414	87	12	high	high	ADJ
asfbr-1414	87	13	profits	profit	NOUN
asfbr-1414	87	14	,	,	PUNCT
asfbr-1414	87	15	and	and	CCONJ
asfbr-1414	87	16	long	long	ADJ
asfbr-1414	87	17	stays	stay	NOUN
asfbr-1414	87	18	.	.	PUNCT
asfbr-1414	88	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	88	2	asian	asian	PROPN
asfbr-1414	88	3	finance	finance	PROPN
asfbr-1414	88	4	&	&	CCONJ
asfbr-1414	88	5	banking	banking	PROPN
asfbr-1414	88	6	review	review	PROPN
asfbr-1414	88	7	vol	vol	NOUN
asfbr-1414	88	8	.	.	PROPN
asfbr-1414	89	1	5	5	NUM
asfbr-1414	89	2	,	,	PUNCT
asfbr-1414	89	3	no	no	INTJ
asfbr-1414	89	4	.	.	NOUN
asfbr-1414	89	5	1	1	NUM
asfbr-1414	89	6	;	;	PUNCT
asfbr-1414	89	7	2021	2021	NUM
asfbr-1414	89	8	43	43	NUM
asfbr-1414	89	9	research	research	NOUN
asfbr-1414	89	10	methodology	methodology	NOUN
asfbr-1414	89	11	as	as	SCONJ
asfbr-1414	89	12	mentioned	mention	VERB
asfbr-1414	89	13	before	before	ADV
asfbr-1414	89	14	,	,	PUNCT
asfbr-1414	89	15	pakistan	pakistan	PROPN
asfbr-1414	89	16	has	have	AUX
asfbr-1414	89	17	gained	gain	VERB
asfbr-1414	89	18	a	a	DET
asfbr-1414	89	19	dynamic	dynamic	ADJ
asfbr-1414	89	20	role	role	NOUN
asfbr-1414	89	21	in	in	ADP
asfbr-1414	89	22	mobile	mobile	ADJ
asfbr-1414	89	23	money	money	NOUN
asfbr-1414	89	24	services	service	NOUN
asfbr-1414	89	25	,	,	PUNCT
asfbr-1414	89	26	but	but	CCONJ
asfbr-1414	89	27	the	the	DET
asfbr-1414	89	28	economic	economic	ADJ
asfbr-1414	89	29	implications	implication	NOUN
asfbr-1414	89	30	and	and	CCONJ
asfbr-1414	89	31	factors	factor	NOUN
asfbr-1414	89	32	influencing	influence	VERB
asfbr-1414	89	33	the	the	DET
asfbr-1414	89	34	usage	usage	NOUN
asfbr-1414	89	35	of	of	ADP
asfbr-1414	89	36	mobile	mobile	ADJ
asfbr-1414	89	37	money	money	NOUN
asfbr-1414	89	38	services	service	NOUN
asfbr-1414	89	39	have	have	VERB
asfbr-1414	89	40	yet	yet	ADV
asfbr-1414	89	41	to	to	PART
asfbr-1414	89	42	be	be	AUX
asfbr-1414	89	43	thoroughly	thoroughly	ADV
asfbr-1414	89	44	investigated	investigate	VERB
asfbr-1414	89	45	.	.	PUNCT
asfbr-1414	90	1	to	to	PART
asfbr-1414	90	2	solve	solve	VERB
asfbr-1414	90	3	this	this	DET
asfbr-1414	90	4	diagnostic	diagnostic	ADJ
asfbr-1414	90	5	problem	problem	NOUN
asfbr-1414	90	6	,	,	PUNCT
asfbr-1414	90	7	this	this	DET
asfbr-1414	90	8	study	study	NOUN
asfbr-1414	90	9	will	will	AUX
asfbr-1414	90	10	focus	focus	VERB
asfbr-1414	90	11	on	on	ADP
asfbr-1414	90	12	primary	primary	ADJ
asfbr-1414	90	13	and	and	CCONJ
asfbr-1414	90	14	secondary	secondary	ADJ
asfbr-1414	90	15	data	datum	NOUN
asfbr-1414	90	16	.	.	PUNCT
asfbr-1414	91	1	the	the	DET
asfbr-1414	91	2	secondary	secondary	ADJ
asfbr-1414	91	3	data	datum	NOUN
asfbr-1414	91	4	will	will	AUX
asfbr-1414	91	5	describe	describe	VERB
asfbr-1414	91	6	a	a	DET
asfbr-1414	91	7	graphical	graphical	ADJ
asfbr-1414	91	8	representation	representation	NOUN
asfbr-1414	91	9	of	of	ADP
asfbr-1414	91	10	the	the	DET
asfbr-1414	91	11	impact	impact	NOUN
asfbr-1414	91	12	of	of	ADP
asfbr-1414	91	13	mfs	mfs	PROPN
asfbr-1414	91	14	(	(	PUNCT
asfbr-1414	91	15	mobile	mobile	ADJ
asfbr-1414	91	16	financial	financial	ADJ
asfbr-1414	91	17	services	service	NOUN
asfbr-1414	91	18	)	)	PUNCT
asfbr-1414	91	19	on	on	ADP
asfbr-1414	91	20	the	the	DET
asfbr-1414	91	21	economic	economic	ADJ
asfbr-1414	91	22	benefits	benefit	NOUN
asfbr-1414	91	23	on	on	ADP
asfbr-1414	91	24	which	which	PRON
asfbr-1414	91	25	first	first	ADJ
asfbr-1414	91	26	alternative	alternative	ADJ
asfbr-1414	91	27	hypothesis	hypothesis	NOUN
asfbr-1414	91	28	is	be	AUX
asfbr-1414	91	29	based	base	VERB
asfbr-1414	91	30	upon	upon	SCONJ
asfbr-1414	91	31	as	as	SCONJ
asfbr-1414	91	32	its	its	PRON
asfbr-1414	91	33	reference	reference	NOUN
asfbr-1414	91	34	is	be	AUX
asfbr-1414	91	35	given	give	VERB
asfbr-1414	91	36	in	in	ADP
asfbr-1414	91	37	the	the	DET
asfbr-1414	91	38	literature	literature	NOUN
asfbr-1414	91	39	review	review	NOUN
asfbr-1414	91	40	.	.	PUNCT
asfbr-1414	92	1	to	to	PART
asfbr-1414	92	2	test	test	VERB
asfbr-1414	92	3	the	the	DET
asfbr-1414	92	4	remaining	remain	VERB
asfbr-1414	92	5	five	five	NUM
asfbr-1414	92	6	hypothesis	hypothesis	NOUN
asfbr-1414	92	7	,	,	PUNCT
asfbr-1414	92	8	primary	primary	ADJ
asfbr-1414	92	9	data	datum	NOUN
asfbr-1414	92	10	(	(	PUNCT
asfbr-1414	92	11	questionnaire	questionnaire	NOUN
asfbr-1414	92	12	)	)	PUNCT
asfbr-1414	92	13	will	will	AUX
asfbr-1414	92	14	be	be	AUX
asfbr-1414	92	15	used	use	VERB
asfbr-1414	92	16	to	to	PART
asfbr-1414	92	17	study	study	VERB
asfbr-1414	92	18	tam	tam	NOUN
asfbr-1414	92	19	(	(	PUNCT
asfbr-1414	92	20	technology	technology	NOUN
asfbr-1414	92	21	acceptance	acceptance	NOUN
asfbr-1414	92	22	process	process	NOUN
asfbr-1414	92	23	)	)	PUNCT
asfbr-1414	92	24	such	such	ADJ
asfbr-1414	92	25	as	as	ADP
asfbr-1414	92	26	risk	risk	NOUN
asfbr-1414	92	27	assumptions	assumption	NOUN
asfbr-1414	92	28	,	,	PUNCT
asfbr-1414	92	29	trust	trust	NOUN
asfbr-1414	92	30	assumptions	assumption	NOUN
asfbr-1414	92	31	,	,	PUNCT
asfbr-1414	92	32	perceived	perceive	VERB
asfbr-1414	92	33	cost	cost	NOUN
asfbr-1414	92	34	,	,	PUNCT
asfbr-1414	92	35	reliability	reliability	NOUN
asfbr-1414	92	36	,	,	PUNCT
asfbr-1414	92	37	accessibility	accessibility	NOUN
asfbr-1414	92	38	which	which	PRON
asfbr-1414	92	39	will	will	AUX
asfbr-1414	92	40	affect	affect	VERB
asfbr-1414	92	41	the	the	DET
asfbr-1414	92	42	use	use	NOUN
asfbr-1414	92	43	of	of	ADP
asfbr-1414	92	44	mobile	mobile	ADJ
asfbr-1414	92	45	money	money	NOUN
asfbr-1414	92	46	services	service	NOUN
asfbr-1414	92	47	.	.	PUNCT
asfbr-1414	93	1	theoretical	theoretical	ADJ
asfbr-1414	93	2	structure	structure	NOUN
asfbr-1414	93	3	data	datum	NOUN
asfbr-1414	93	4	collection	collection	NOUN
asfbr-1414	93	5	data	datum	NOUN
asfbr-1414	93	6	will	will	AUX
asfbr-1414	93	7	be	be	AUX
asfbr-1414	93	8	collected	collect	VERB
asfbr-1414	93	9	using	use	VERB
asfbr-1414	93	10	an	an	DET
asfbr-1414	93	11	automated	automate	VERB
asfbr-1414	93	12	questionnaire	questionnaire	NOUN
asfbr-1414	93	13	that	that	PRON
asfbr-1414	93	14	was	be	AUX
asfbr-1414	93	15	provided	provide	VERB
asfbr-1414	93	16	to	to	ADP
asfbr-1414	93	17	respondents	respondent	NOUN
asfbr-1414	93	18	who	who	PRON
asfbr-1414	93	19	have	have	VERB
asfbr-1414	93	20	access	access	NOUN
asfbr-1414	93	21	to	to	ADP
asfbr-1414	93	22	mobile	mobile	ADJ
asfbr-1414	93	23	financial	financial	ADJ
asfbr-1414	93	24	services	service	NOUN
asfbr-1414	93	25	for	for	ADP
asfbr-1414	93	26	initial	initial	ADJ
asfbr-1414	93	27	data	datum	NOUN
asfbr-1414	93	28	collection	collection	NOUN
asfbr-1414	93	29	.	.	PUNCT
asfbr-1414	94	1	a	a	DET
asfbr-1414	94	2	closed	close	VERB
asfbr-1414	94	3	-	-	PUNCT
asfbr-1414	94	4	ended	end	VERB
asfbr-1414	94	5	questionnaire	questionnaire	NOUN
asfbr-1414	94	6	was	be	AUX
asfbr-1414	94	7	used	use	VERB
asfbr-1414	94	8	,	,	PUNCT
asfbr-1414	94	9	respondents	respondent	NOUN
asfbr-1414	94	10	were	be	AUX
asfbr-1414	94	11	asked	ask	VERB
asfbr-1414	94	12	to	to	PART
asfbr-1414	94	13	give	give	VERB
asfbr-1414	94	14	their	their	PRON
asfbr-1414	94	15	views	view	NOUN
asfbr-1414	94	16	on	on	ADP
asfbr-1414	94	17	the	the	DET
asfbr-1414	94	18	statement	statement	NOUN
asfbr-1414	94	19	examining	examine	VERB
asfbr-1414	94	20	the	the	DET
asfbr-1414	94	21	structure	structure	NOUN
asfbr-1414	94	22	at	at	ADP
asfbr-1414	94	23	five	five	NUM
asfbr-1414	94	24	point	point	NOUN
asfbr-1414	94	25	likert	likert	ADJ
asfbr-1414	94	26	scale	scale	NOUN
asfbr-1414	94	27	,	,	PUNCT
asfbr-1414	94	28	with	with	ADP
asfbr-1414	94	29	1	1	NUM
asfbr-1414	94	30	indicating	indicate	VERB
asfbr-1414	94	31	strong	strong	ADJ
asfbr-1414	94	32	disagree	disagree	NOUN
asfbr-1414	94	33	,	,	PUNCT
asfbr-1414	94	34	2	2	NUM
asfbr-1414	94	35	indicating	indicate	VERB
asfbr-1414	94	36	disagree	disagree	NOUN
asfbr-1414	94	37	,	,	PUNCT
asfbr-1414	94	38	3	3	NUM
asfbr-1414	94	39	equal	equal	ADJ
asfbr-1414	94	40	to	to	ADP
asfbr-1414	94	41	neutral	neutral	ADJ
asfbr-1414	94	42	,	,	PUNCT
asfbr-1414	94	43	4	4	NUM
asfbr-1414	94	44	equal	equal	ADJ
asfbr-1414	94	45	to	to	PART
asfbr-1414	94	46	agree	agree	VERB
asfbr-1414	94	47	and	and	CCONJ
asfbr-1414	94	48	5	5	NUM
asfbr-1414	94	49	equal	equal	ADJ
asfbr-1414	94	50	to	to	PART
asfbr-1414	94	51	strongly	strongly	ADV
asfbr-1414	94	52	agree	agree	VERB
asfbr-1414	94	53	.	.	PUNCT
asfbr-1414	95	1	mobile	mobile	ADJ
asfbr-1414	95	2	money	money	NOUN
asfbr-1414	95	3	makers	maker	NOUN
asfbr-1414	95	4	was	be	AUX
asfbr-1414	95	5	the	the	DET
asfbr-1414	95	6	target	target	NOUN
asfbr-1414	95	7	market	market	NOUN
asfbr-1414	95	8	for	for	ADP
asfbr-1414	95	9	the	the	DET
asfbr-1414	95	10	study	study	NOUN
asfbr-1414	95	11	with	with	ADP
asfbr-1414	95	12	a	a	DET
asfbr-1414	95	13	sample	sample	NOUN
asfbr-1414	95	14	size	size	NOUN
asfbr-1414	95	15	250	250	NUM
asfbr-1414	95	16	,	,	PUNCT
asfbr-1414	95	17	depending	depend	VERB
asfbr-1414	95	18	on	on	ADP
asfbr-1414	95	19	the	the	DET
asfbr-1414	95	20	rule	rule	NOUN
asfbr-1414	95	21	of	of	ADP
asfbr-1414	95	22	thumb	thumb	NOUN
asfbr-1414	95	23	that	that	SCONJ
asfbr-1414	95	24	the	the	DET
asfbr-1414	95	25	rate	rate	NOUN
asfbr-1414	95	26	of	of	ADP
asfbr-1414	95	27	change	change	NOUN
asfbr-1414	95	28	in	in	ADP
asfbr-1414	95	29	size	size	NOUN
asfbr-1414	95	30	should	should	AUX
asfbr-1414	95	31	be	be	AUX
asfbr-1414	95	32	more	more	ADJ
asfbr-1414	95	33	than	than	ADP
asfbr-1414	95	34	200	200	NUM
asfbr-1414	95	35	(	(	PUNCT
asfbr-1414	95	36	brown	brown	ADJ
asfbr-1414	95	37	,	,	PUNCT
asfbr-1414	95	38	2006	2006	NUM
asfbr-1414	95	39	)	)	PUNCT
asfbr-1414	95	40	.	.	PUNCT
asfbr-1414	96	1	respondents	respondent	NOUN
asfbr-1414	96	2	were	be	AUX
asfbr-1414	96	3	selected	select	VERB
asfbr-1414	96	4	by	by	ADP
asfbr-1414	96	5	using	use	VERB
asfbr-1414	96	6	a	a	DET
asfbr-1414	96	7	purposive	purposive	ADJ
asfbr-1414	96	8	sampling	sample	VERB
asfbr-1414	96	9	technique	technique	NOUN
asfbr-1414	96	10	.	.	PUNCT
asfbr-1414	97	1	this	this	DET
asfbr-1414	97	2	process	process	NOUN
asfbr-1414	97	3	was	be	AUX
asfbr-1414	97	4	used	use	VERB
asfbr-1414	97	5	to	to	PART
asfbr-1414	97	6	get	get	VERB
asfbr-1414	97	7	responders	responder	NOUN
asfbr-1414	97	8	with	with	ADP
asfbr-1414	97	9	mobile	mobile	ADJ
asfbr-1414	97	10	phones	phone	NOUN
asfbr-1414	97	11	and	and	CCONJ
asfbr-1414	97	12	subscribers	subscriber	NOUN
asfbr-1414	97	13	who	who	PRON
asfbr-1414	97	14	use	use	VERB
asfbr-1414	97	15	mobile	mobile	ADJ
asfbr-1414	97	16	money	money	NOUN
asfbr-1414	97	17	services	service	NOUN
asfbr-1414	97	18	.	.	PUNCT
asfbr-1414	98	1	this	this	DET
asfbr-1414	98	2	study	study	NOUN
asfbr-1414	98	3	uses	use	VERB
asfbr-1414	98	4	five	five	NUM
asfbr-1414	98	5	independent	independent	ADJ
asfbr-1414	98	6	concepts	concept	NOUN
asfbr-1414	98	7	,	,	PUNCT
asfbr-1414	98	8	namely	namely	ADV
asfbr-1414	98	9	:	:	PUNCT
asfbr-1414	98	10	convenience	convenience	NOUN
asfbr-1414	98	11	(	(	PUNCT
asfbr-1414	98	12	perceived	perceive	VERB
asfbr-1414	98	13	ease	ease	NOUN
asfbr-1414	98	14	of	of	ADP
asfbr-1414	98	15	use	use	NOUN
asfbr-1414	98	16	,	,	PUNCT
asfbr-1414	98	17	usefulness	usefulness	NOUN
asfbr-1414	98	18	)	)	PUNCT
asfbr-1414	98	19	,	,	PUNCT
asfbr-1414	98	20	risk	risk	NOUN
asfbr-1414	98	21	factors	factor	NOUN
asfbr-1414	98	22	,	,	PUNCT
asfbr-1414	98	23	perceived	perceive	VERB
asfbr-1414	98	24	trust	trust	NOUN
asfbr-1414	98	25	,	,	PUNCT
asfbr-1414	98	26	costs	cost	NOUN
asfbr-1414	98	27	and	and	CCONJ
asfbr-1414	98	28	reliability	reliability	NOUN
asfbr-1414	98	29	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	98	30	asian	asian	ADJ
asfbr-1414	98	31	finance	finance	PROPN
asfbr-1414	98	32	&	&	CCONJ
asfbr-1414	98	33	banking	banking	PROPN
asfbr-1414	98	34	review	review	PROPN
asfbr-1414	98	35	vol	vol	NOUN
asfbr-1414	98	36	.	.	PROPN
asfbr-1414	99	1	5	5	NUM
asfbr-1414	99	2	,	,	PUNCT
asfbr-1414	99	3	no	no	INTJ
asfbr-1414	99	4	.	.	NOUN
asfbr-1414	99	5	1	1	NUM
asfbr-1414	99	6	;	;	PUNCT
asfbr-1414	99	7	2021	2021	NUM
asfbr-1414	99	8	44	44	NUM
asfbr-1414	99	9	to	to	PART
asfbr-1414	99	10	measure	measure	VERB
asfbr-1414	99	11	factors	factor	NOUN
asfbr-1414	99	12	affecting	affect	VERB
asfbr-1414	99	13	the	the	DET
asfbr-1414	99	14	acceptance	acceptance	NOUN
asfbr-1414	99	15	of	of	ADP
asfbr-1414	99	16	mobile	mobile	ADJ
asfbr-1414	99	17	financial	financial	ADJ
asfbr-1414	99	18	services	service	NOUN
asfbr-1414	99	19	.	.	PUNCT
asfbr-1414	100	1	for	for	ADP
asfbr-1414	100	2	the	the	DET
asfbr-1414	100	3	purpose	purpose	NOUN
asfbr-1414	100	4	of	of	ADP
asfbr-1414	100	5	the	the	DET
asfbr-1414	100	6	secondary	secondary	ADJ
asfbr-1414	100	7	data	data	NOUN
asfbr-1414	100	8	collection	collection	NOUN
asfbr-1414	100	9	,	,	PUNCT
asfbr-1414	100	10	the	the	DET
asfbr-1414	100	11	data	datum	NOUN
asfbr-1414	100	12	will	will	AUX
asfbr-1414	100	13	be	be	AUX
asfbr-1414	100	14	analyzed	analyze	VERB
asfbr-1414	100	15	by	by	ADP
asfbr-1414	100	16	“	"	PUNCT
asfbr-1414	100	17	the	the	DET
asfbr-1414	100	18	economic	economic	ADJ
asfbr-1414	100	19	and	and	CCONJ
asfbr-1414	100	20	social	social	ADJ
asfbr-1414	100	21	impact	impact	NOUN
asfbr-1414	100	22	of	of	ADP
asfbr-1414	100	23	mobile	mobile	ADJ
asfbr-1414	100	24	services	service	NOUN
asfbr-1414	100	25	(	(	PUNCT
asfbr-1414	100	26	analysis	analysis	NOUN
asfbr-1414	100	27	of	of	ADP
asfbr-1414	100	28	pakistan	pakistan	PROPN
asfbr-1414	100	29	,	,	PUNCT
asfbr-1414	100	30	india	india	PROPN
asfbr-1414	100	31	,	,	PUNCT
asfbr-1414	100	32	bangladesh	bangladesh	PROPN
asfbr-1414	100	33	,	,	PUNCT
asfbr-1414	100	34	serbia	serbia	PROPN
asfbr-1414	100	35	and	and	CCONJ
asfbr-1414	100	36	malaysia	malaysia	PROPN
asfbr-1414	100	37	)	)	PUNCT
asfbr-1414	100	38	by	by	ADP
asfbr-1414	100	39	the	the	DET
asfbr-1414	100	40	relevant	relevant	ADJ
asfbr-1414	100	41	authorities	authorities	PROPN
asfbr-1414	100	42	boston	boston	PROPN
asfbr-1414	100	43	(	(	PUNCT
asfbr-1414	100	44	bcg	bcg	PROPN
asfbr-1414	100	45	)	)	PUNCT
asfbr-1414	100	46	april	april	PROPN
asfbr-1414	100	47	2011	2011	NUM
asfbr-1414	100	48	”	"	PUNCT
asfbr-1414	100	49	research	research	NOUN
asfbr-1414	100	50	techniques	technique	NOUN
asfbr-1414	100	51	regression	regression	NOUN
asfbr-1414	100	52	model	model	NOUN
asfbr-1414	100	53	the	the	DET
asfbr-1414	100	54	linear	linear	ADJ
asfbr-1414	100	55	multiple	multiple	ADJ
asfbr-1414	100	56	regression	regression	NOUN
asfbr-1414	100	57	line	line	NOUN
asfbr-1414	100	58	has	have	AUX
asfbr-1414	100	59	been	be	AUX
asfbr-1414	100	60	identified	identify	VERB
asfbr-1414	100	61	as	as	SCONJ
asfbr-1414	100	62	follows	follow	VERB
asfbr-1414	100	63	:	:	PUNCT
asfbr-1414	100	64	amf	amf	PROPN
asfbr-1414	100	65	=	=	PROPN
asfbr-1414	100	66	α1	α1	PROPN
asfbr-1414	100	67	+	+	CCONJ
asfbr-1414	100	68	β1	β1	PROPN
asfbr-1414	100	69	pr+	pr+	ADJ
asfbr-1414	100	70	β2	β2	PROPN
asfbr-1414	100	71	t	t	PROPN
asfbr-1414	100	72	+	+	CCONJ
asfbr-1414	100	73	β3c	β3c	NOUN
asfbr-1414	100	74	+	+	NUM
asfbr-1414	100	75	β4	β4	PROPN
asfbr-1414	100	76	pc+β5	pc+β5	NOUN
asfbr-1414	100	77	r	r	NOUN
asfbr-1414	100	78	amf	amf	PROPN
asfbr-1414	100	79	=	=	PUNCT
asfbr-1414	100	80	adoption	adoption	NOUN
asfbr-1414	100	81	of	of	ADP
asfbr-1414	100	82	mobile	mobile	ADJ
asfbr-1414	100	83	financial	financial	ADJ
asfbr-1414	100	84	service	service	NOUN
asfbr-1414	100	85	pr	pr	NOUN
asfbr-1414	100	86	=	=	PUNCT
asfbr-1414	100	87	perceived	perceive	VERB
asfbr-1414	100	88	risk	risk	NOUN
asfbr-1414	100	89	t	t	NOUN
asfbr-1414	100	90	=	=	SYM
asfbr-1414	100	91	trust	trust	NOUN
asfbr-1414	100	92	c	c	NOUN
asfbr-1414	100	93	=	=	PUNCT
asfbr-1414	100	94	convenience	convenience	NOUN
asfbr-1414	100	95	pc	pc	NOUN
asfbr-1414	100	96	=	=	SYM
asfbr-1414	100	97	perceived	perceive	VERB
asfbr-1414	100	98	cost	cost	NOUN
asfbr-1414	100	99	r	r	NOUN
asfbr-1414	100	100	=	=	NOUN
asfbr-1414	100	101	reliability	reliability	NOUN
asfbr-1414	100	102	α1	α1	NOUN
asfbr-1414	100	103	=	=	SYM
asfbr-1414	100	104	acceptance	acceptance	NOUN
asfbr-1414	100	105	of	of	ADP
asfbr-1414	100	106	mobile	mobile	ADJ
asfbr-1414	100	107	financial	financial	ADJ
asfbr-1414	100	108	services	service	NOUN
asfbr-1414	100	109	without	without	ADP
asfbr-1414	100	110	change	change	NOUN
asfbr-1414	100	111	of	of	ADP
asfbr-1414	100	112	risk	risk	NOUN
asfbr-1414	100	113	,	,	PUNCT
asfbr-1414	100	114	trust	trust	NOUN
asfbr-1414	100	115	,	,	PUNCT
asfbr-1414	100	116	accessibility	accessibility	NOUN
asfbr-1414	100	117	,	,	PUNCT
asfbr-1414	100	118	cost	cost	NOUN
asfbr-1414	100	119	and	and	CCONJ
asfbr-1414	100	120	reliability	reliability	NOUN
asfbr-1414	100	121	.	.	PUNCT
asfbr-1414	101	1	β1	β1	NOUN
asfbr-1414	101	2	=	=	PUNCT
asfbr-1414	101	3	partial	partial	ADJ
asfbr-1414	101	4	changes	change	NOUN
asfbr-1414	101	5	in	in	ADP
asfbr-1414	101	6	the	the	DET
asfbr-1414	101	7	acceptance	acceptance	NOUN
asfbr-1414	101	8	of	of	ADP
asfbr-1414	101	9	mobile	mobile	ADJ
asfbr-1414	101	10	banking	banking	NOUN
asfbr-1414	101	11	services	service	NOUN
asfbr-1414	101	12	as	as	ADP
asfbr-1414	101	13	a	a	DET
asfbr-1414	101	14	result	result	NOUN
asfbr-1414	101	15	of	of	ADP
asfbr-1414	101	16	a	a	DET
asfbr-1414	101	17	change	change	NOUN
asfbr-1414	101	18	in	in	ADP
asfbr-1414	101	19	the	the	DET
asfbr-1414	101	20	perception	perception	NOUN
asfbr-1414	101	21	of	of	ADP
asfbr-1414	101	22	risk	risk	NOUN
asfbr-1414	101	23	while	while	SCONJ
asfbr-1414	101	24	other	other	ADJ
asfbr-1414	101	25	factors	factor	NOUN
asfbr-1414	101	26	persist	persist	VERB
asfbr-1414	101	27	.	.	PUNCT
asfbr-1414	102	1	β2	β2	NOUN
asfbr-1414	102	2	=	=	PUNCT
asfbr-1414	103	1	the	the	DET
asfbr-1414	103	2	partial	partial	ADJ
asfbr-1414	103	3	change	change	NOUN
asfbr-1414	103	4	in	in	ADP
asfbr-1414	103	5	the	the	DET
asfbr-1414	103	6	adoption	adoption	NOUN
asfbr-1414	103	7	of	of	ADP
asfbr-1414	103	8	mobile	mobile	ADJ
asfbr-1414	103	9	financial	financial	ADJ
asfbr-1414	103	10	services	service	NOUN
asfbr-1414	103	11	as	as	ADP
asfbr-1414	103	12	a	a	DET
asfbr-1414	103	13	result	result	NOUN
asfbr-1414	103	14	of	of	ADP
asfbr-1414	103	15	one	one	NUM
asfbr-1414	103	16	unit	unit	NOUN
asfbr-1414	103	17	change	change	NOUN
asfbr-1414	103	18	in	in	ADP
asfbr-1414	103	19	the	the	DET
asfbr-1414	103	20	trust	trust	NOUN
asfbr-1414	103	21	variable	variable	NOUN
asfbr-1414	103	22	when	when	SCONJ
asfbr-1414	103	23	all	all	DET
asfbr-1414	103	24	other	other	ADJ
asfbr-1414	103	25	variables	variable	NOUN
asfbr-1414	103	26	remain	remain	VERB
asfbr-1414	103	27	constant	constant	ADJ
asfbr-1414	103	28	.	.	PUNCT
asfbr-1414	104	1	β3	β3	VERB
asfbr-1414	104	2	=	=	PRON
asfbr-1414	104	3	the	the	DET
asfbr-1414	104	4	partial	partial	ADJ
asfbr-1414	104	5	change	change	NOUN
asfbr-1414	104	6	in	in	ADP
asfbr-1414	104	7	the	the	DET
asfbr-1414	104	8	uptake	uptake	NOUN
asfbr-1414	104	9	of	of	ADP
asfbr-1414	104	10	mobile	mobile	ADJ
asfbr-1414	104	11	financial	financial	ADJ
asfbr-1414	104	12	services	service	NOUN
asfbr-1414	104	13	as	as	ADP
asfbr-1414	104	14	a	a	DET
asfbr-1414	104	15	result	result	NOUN
asfbr-1414	104	16	of	of	ADP
asfbr-1414	104	17	one	one	NUM
asfbr-1414	104	18	unit	unit	NOUN
asfbr-1414	104	19	change	change	NOUN
asfbr-1414	104	20	in	in	ADP
asfbr-1414	104	21	the	the	DET
asfbr-1414	104	22	convenience	convenience	NOUN
asfbr-1414	104	23	variable	variable	NOUN
asfbr-1414	104	24	while	while	SCONJ
asfbr-1414	104	25	other	other	ADJ
asfbr-1414	104	26	things	thing	NOUN
asfbr-1414	104	27	remain	remain	VERB
asfbr-1414	104	28	constant	constant	ADJ
asfbr-1414	104	29	.	.	PUNCT
asfbr-1414	105	1	β4==	β4==	PROPN
asfbr-1414	105	2	a	a	DET
asfbr-1414	105	3	partial	partial	ADJ
asfbr-1414	105	4	acceleration	acceleration	NOUN
asfbr-1414	105	5	in	in	ADP
asfbr-1414	105	6	the	the	DET
asfbr-1414	105	7	uptake	uptake	NOUN
asfbr-1414	105	8	of	of	ADP
asfbr-1414	105	9	mobile	mobile	ADJ
asfbr-1414	105	10	financial	financial	ADJ
asfbr-1414	105	11	services	service	NOUN
asfbr-1414	105	12	as	as	ADP
asfbr-1414	105	13	a	a	DET
asfbr-1414	105	14	result	result	NOUN
asfbr-1414	105	15	of	of	ADP
asfbr-1414	105	16	a	a	DET
asfbr-1414	105	17	one	one	NUM
asfbr-1414	105	18	-	-	PUNCT
asfbr-1414	105	19	unit	unit	NOUN
asfbr-1414	105	20	change	change	NOUN
asfbr-1414	105	21	in	in	ADP
asfbr-1414	105	22	the	the	DET
asfbr-1414	105	23	perceived	perceive	VERB
asfbr-1414	105	24	cost	cost	NOUN
asfbr-1414	105	25	variable	variable	NOUN
asfbr-1414	105	26	while	while	SCONJ
asfbr-1414	105	27	other	other	ADJ
asfbr-1414	105	28	factors	factor	NOUN
asfbr-1414	105	29	remain	remain	VERB
asfbr-1414	105	30	constant	constant	ADJ
asfbr-1414	105	31	.	.	PUNCT
asfbr-1414	106	1	β5	β5	NOUN
asfbr-1414	106	2	=	=	PUNCT
asfbr-1414	106	3	the	the	DET
asfbr-1414	106	4	partial	partial	ADJ
asfbr-1414	106	5	change	change	NOUN
asfbr-1414	106	6	in	in	ADP
asfbr-1414	106	7	mobile	mobile	ADJ
asfbr-1414	106	8	financial	financial	ADJ
asfbr-1414	106	9	service	service	NOUN
asfbr-1414	106	10	uptake	uptake	ADJ
asfbr-1414	106	11	as	as	ADP
asfbr-1414	106	12	a	a	DET
asfbr-1414	106	13	result	result	NOUN
asfbr-1414	106	14	of	of	ADP
asfbr-1414	106	15	one	one	NUM
asfbr-1414	106	16	unit	unit	NOUN
asfbr-1414	106	17	change	change	NOUN
asfbr-1414	106	18	in	in	ADP
asfbr-1414	106	19	the	the	DET
asfbr-1414	106	20	reliability	reliability	NOUN
asfbr-1414	106	21	variable	variable	NOUN
asfbr-1414	106	22	while	while	SCONJ
asfbr-1414	106	23	other	other	ADJ
asfbr-1414	106	24	things	thing	NOUN
asfbr-1414	106	25	remain	remain	VERB
asfbr-1414	106	26	constant	constant	ADJ
asfbr-1414	106	27	correlation	correlation	NOUN
asfbr-1414	106	28	the	the	DET
asfbr-1414	106	29	correlation	correlation	NOUN
asfbr-1414	106	30	method	method	NOUN
asfbr-1414	106	31	is	be	AUX
asfbr-1414	106	32	used	use	VERB
asfbr-1414	106	33	to	to	PART
asfbr-1414	106	34	determine	determine	VERB
asfbr-1414	106	35	the	the	DET
asfbr-1414	106	36	strength	strength	NOUN
asfbr-1414	106	37	of	of	ADP
asfbr-1414	106	38	the	the	DET
asfbr-1414	106	39	relationship	relationship	NOUN
asfbr-1414	106	40	between	between	ADP
asfbr-1414	106	41	the	the	DET
asfbr-1414	106	42	two	two	NUM
asfbr-1414	106	43	data	data	NOUN
asfbr-1414	106	44	sets	set	NOUN
asfbr-1414	106	45	.	.	PUNCT
asfbr-1414	107	1	algorithms	algorithm	NOUN
asfbr-1414	107	2	provide	provide	VERB
asfbr-1414	107	3	ratings	rating	NOUN
asfbr-1414	107	4	from	from	ADP
asfbr-1414	107	5	-1	-1	ADJ
asfbr-1414	107	6	to	to	ADP
asfbr-1414	107	7	1	1	NUM
asfbr-1414	107	8	,	,	PUNCT
asfbr-1414	107	9	while	while	SCONJ
asfbr-1414	107	10	1	1	NUM
asfbr-1414	107	11	indicates	indicate	VERB
asfbr-1414	107	12	the	the	DET
asfbr-1414	107	13	best	good	ADJ
asfbr-1414	107	14	association	association	NOUN
asfbr-1414	107	15	.	.	PUNCT
asfbr-1414	108	1	significant	significant	ADJ
asfbr-1414	108	2	negative	negative	ADJ
asfbr-1414	108	3	association	association	NOUN
asfbr-1414	108	4	was	be	AUX
asfbr-1414	108	5	demonstrated	demonstrate	VERB
asfbr-1414	108	6	by	by	ADP
asfbr-1414	108	7	the	the	DET
asfbr-1414	108	8	value	value	NOUN
asfbr-1414	108	9	of	of	ADP
asfbr-1414	108	10	-1	-1	PUNCT
asfbr-1414	108	11	.	.	PUNCT
asfbr-1414	109	1	zero	zero	NUM
asfbr-1414	109	2	results	result	NOUN
asfbr-1414	109	3	indicate	indicate	VERB
asfbr-1414	109	4	no	no	DET
asfbr-1414	109	5	association	association	NOUN
asfbr-1414	109	6	.	.	PUNCT
asfbr-1414	110	1	data	datum	NOUN
asfbr-1414	110	2	analysis	analysis	NOUN
asfbr-1414	110	3	of	of	ADP
asfbr-1414	110	4	primary	primary	ADJ
asfbr-1414	110	5	data	data	NOUN
asfbr-1414	110	6	reliability	reliability	NOUN
asfbr-1414	110	7	testing	testing	NOUN
asfbr-1414	110	8	(	(	PUNCT
asfbr-1414	110	9	pilot	pilot	NOUN
asfbr-1414	110	10	testing	testing	NOUN
asfbr-1414	110	11	)	)	PUNCT
asfbr-1414	110	12	case	case	NOUN
asfbr-1414	110	13	processing	processing	NOUN
asfbr-1414	110	14	summary	summary	NOUN
asfbr-1414	110	15	n	n	PRON
asfbr-1414	110	16	%	%	NOUN
asfbr-1414	110	17	cases	case	NOUN
asfbr-1414	110	18	valid	valid	ADJ
asfbr-1414	110	19	250	250	NUM
asfbr-1414	110	20	100.0	100.0	NUM
asfbr-1414	110	21	excludeda	excludeda	ADJ
asfbr-1414	110	22	0	0	NUM
asfbr-1414	110	23	.0	.0	NUM
asfbr-1414	110	24	total	total	NOUN
asfbr-1414	110	25	250	250	NUM
asfbr-1414	110	26	100.0	100.0	NUM
asfbr-1414	110	27	a.	a.	NOUN
asfbr-1414	110	28	list	list	NOUN
asfbr-1414	110	29	wise	wise	ADJ
asfbr-1414	110	30	deletion	deletion	NOUN
asfbr-1414	110	31	based	base	VERB
asfbr-1414	110	32	on	on	ADP
asfbr-1414	110	33	all	all	DET
asfbr-1414	110	34	variables	variable	NOUN
asfbr-1414	110	35	in	in	ADP
asfbr-1414	110	36	the	the	DET
asfbr-1414	110	37	procedure	procedure	NOUN
asfbr-1414	110	38	.	.	PUNCT
asfbr-1414	111	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	111	2	asian	asian	PROPN
asfbr-1414	111	3	finance	finance	PROPN
asfbr-1414	111	4	&	&	CCONJ
asfbr-1414	111	5	banking	banking	PROPN
asfbr-1414	111	6	review	review	PROPN
asfbr-1414	111	7	vol	vol	NOUN
asfbr-1414	111	8	.	.	PROPN
asfbr-1414	112	1	5	5	NUM
asfbr-1414	112	2	,	,	PUNCT
asfbr-1414	112	3	no	no	INTJ
asfbr-1414	112	4	.	.	NOUN
asfbr-1414	112	5	1	1	NUM
asfbr-1414	112	6	;	;	PUNCT
asfbr-1414	113	1	2021	2021	NUM
asfbr-1414	113	2	45	45	NUM
asfbr-1414	113	3	reliability	reliability	NOUN
asfbr-1414	113	4	statistics	statistic	NOUN
asfbr-1414	113	5	cronbach	cronbach	VERB
asfbr-1414	113	6	's	's	PART
asfbr-1414	113	7	alpha	alpha	NOUN
asfbr-1414	113	8	n	n	PROPN
asfbr-1414	113	9	of	of	ADP
asfbr-1414	113	10	items	item	NOUN
asfbr-1414	113	11	.957	.957	NUM
asfbr-1414	113	12	78	78	NUM
asfbr-1414	113	13	the	the	DET
asfbr-1414	113	14	cronbach	cronbach	ADJ
asfbr-1414	113	15	alpha	alpha	NOUN
asfbr-1414	113	16	was	be	AUX
asfbr-1414	113	17	used	use	VERB
asfbr-1414	113	18	to	to	PART
asfbr-1414	113	19	evaluate	evaluate	VERB
asfbr-1414	113	20	the	the	DET
asfbr-1414	113	21	internal	internal	ADJ
asfbr-1414	113	22	consistency	consistency	NOUN
asfbr-1414	113	23	of	of	ADP
asfbr-1414	113	24	the	the	DET
asfbr-1414	113	25	variable	variable	NOUN
asfbr-1414	113	26	(	(	PUNCT
asfbr-1414	113	27	cronbach	cronbach	ADJ
asfbr-1414	113	28	,	,	PUNCT
asfbr-1414	113	29	1951	1951	NUM
asfbr-1414	113	30	)	)	PUNCT
asfbr-1414	113	31	.	.	PUNCT
asfbr-1414	114	1	for	for	ADP
asfbr-1414	114	2	this	this	DET
asfbr-1414	114	3	reason	reason	NOUN
asfbr-1414	114	4	,	,	PUNCT
asfbr-1414	114	5	an	an	DET
asfbr-1414	114	6	experiment	experiment	NOUN
asfbr-1414	114	7	was	be	AUX
asfbr-1414	114	8	conducted	conduct	VERB
asfbr-1414	114	9	to	to	PART
asfbr-1414	114	10	determine	determine	VERB
asfbr-1414	114	11	the	the	DET
asfbr-1414	114	12	consistency	consistency	NOUN
asfbr-1414	114	13	of	of	ADP
asfbr-1414	114	14	the	the	DET
asfbr-1414	114	15	variables	variable	NOUN
asfbr-1414	114	16	.	.	PUNCT
asfbr-1414	115	1	the	the	DET
asfbr-1414	115	2	results	result	NOUN
asfbr-1414	115	3	revealed	reveal	VERB
asfbr-1414	115	4	that	that	SCONJ
asfbr-1414	115	5	all	all	DET
asfbr-1414	115	6	the	the	DET
asfbr-1414	115	7	variables	variable	NOUN
asfbr-1414	115	8	produced	produce	VERB
asfbr-1414	115	9	were	be	AUX
asfbr-1414	115	10	reliable	reliable	ADJ
asfbr-1414	115	11	,	,	PUNCT
asfbr-1414	115	12	with	with	ADP
asfbr-1414	115	13	an	an	DET
asfbr-1414	115	14	alpha	alpha	ADJ
asfbr-1414	115	15	rate	rate	NOUN
asfbr-1414	115	16	of	of	ADP
asfbr-1414	115	17	more	more	ADJ
asfbr-1414	115	18	than	than	ADP
asfbr-1414	115	19	0.70	0.70	NUM
asfbr-1414	115	20	,	,	PUNCT
asfbr-1414	115	21	or	or	CCONJ
asfbr-1414	115	22	0.957	0.957	NUM
asfbr-1414	115	23	,	,	PUNCT
asfbr-1414	115	24	as	as	SCONJ
asfbr-1414	115	25	suggested	suggest	VERB
asfbr-1414	115	26	by	by	ADP
asfbr-1414	115	27	nunnally	nunnally	PROPN
asfbr-1414	115	28	and	and	CCONJ
asfbr-1414	115	29	bernstein	bernstein	PROPN
asfbr-1414	115	30	(	(	PUNCT
asfbr-1414	115	31	1994	1994	NUM
asfbr-1414	115	32	)	)	PUNCT
asfbr-1414	115	33	.	.	PUNCT
asfbr-1414	116	1	results	result	NOUN
asfbr-1414	116	2	of	of	ADP
asfbr-1414	116	3	factors	factor	NOUN
asfbr-1414	116	4	affecting	affect	VERB
asfbr-1414	116	5	the	the	DET
asfbr-1414	116	6	adoption	adoption	NOUN
asfbr-1414	116	7	of	of	ADP
asfbr-1414	116	8	mobile	mobile	ADJ
asfbr-1414	116	9	financial	financial	ADJ
asfbr-1414	116	10	services	service	NOUN
asfbr-1414	116	11	correlation	correlation	VERB
asfbr-1414	116	12	the	the	DET
asfbr-1414	116	13	correlation	correlation	NOUN
asfbr-1414	116	14	between	between	ADP
asfbr-1414	116	15	the	the	DET
asfbr-1414	116	16	variables	variable	NOUN
asfbr-1414	116	17	was	be	AUX
asfbr-1414	116	18	between	between	ADP
asfbr-1414	116	19	r	r	NOUN
asfbr-1414	116	20	-0.018	-0.018	PUNCT
asfbr-1414	116	21	and	and	CCONJ
asfbr-1414	116	22	r	r	PROPN
asfbr-1414	116	23	0.0684	0.0684	NUM
asfbr-1414	116	24	.	.	PUNCT
asfbr-1414	117	1	the	the	DET
asfbr-1414	117	2	strongest	strong	ADJ
asfbr-1414	117	3	correlation	correlation	NOUN
asfbr-1414	117	4	between	between	ADP
asfbr-1414	117	5	predictor	predictor	NOUN
asfbr-1414	117	6	variables	variable	NOUN
asfbr-1414	117	7	was	be	AUX
asfbr-1414	117	8	found	find	VERB
asfbr-1414	117	9	between	between	ADP
asfbr-1414	117	10	trustworthiness	trustworthiness	NOUN
asfbr-1414	117	11	and	and	CCONJ
asfbr-1414	117	12	accessibility	accessibility	NOUN
asfbr-1414	117	13	as	as	ADP
asfbr-1414	117	14	convenience	convenience	NOUN
asfbr-1414	117	15	(	(	PUNCT
asfbr-1414	117	16	r	r	NOUN
asfbr-1414	117	17	=	=	SYM
asfbr-1414	117	18	0.684	0.684	NUM
asfbr-1414	117	19	)	)	PUNCT
asfbr-1414	117	20	indicating	indicate	VERB
asfbr-1414	117	21	strong	strong	ADJ
asfbr-1414	117	22	correlation	correlation	NOUN
asfbr-1414	117	23	between	between	ADP
asfbr-1414	117	24	variables	variable	NOUN
asfbr-1414	117	25	.	.	PUNCT
asfbr-1414	118	1	results	result	NOUN
asfbr-1414	118	2	showed	show	VERB
asfbr-1414	118	3	that	that	SCONJ
asfbr-1414	118	4	trustworthiness	trustworthiness	NOUN
asfbr-1414	118	5	had	have	VERB
asfbr-1414	118	6	a	a	DET
asfbr-1414	118	7	positive	positive	ADJ
asfbr-1414	118	8	correlation	correlation	NOUN
asfbr-1414	118	9	with	with	ADP
asfbr-1414	118	10	convenience	convenience	NOUN
asfbr-1414	118	11	(	(	PUNCT
asfbr-1414	118	12	r	r	NOUN
asfbr-1414	118	13	=	=	SYM
asfbr-1414	118	14	0.684	0.684	NUM
asfbr-1414	118	15	and	and	CCONJ
asfbr-1414	118	16	p	p	X
asfbr-1414	118	17	<	<	X
asfbr-1414	118	18	0.01	0.01	NUM
asfbr-1414	118	19	)	)	PUNCT
asfbr-1414	118	20	and	and	CCONJ
asfbr-1414	118	21	reliability	reliability	NOUN
asfbr-1414	118	22	(	(	PUNCT
asfbr-1414	118	23	r	r	NOUN
asfbr-1414	118	24	=	=	PUNCT
asfbr-1414	118	25	0.627	0.627	NUM
asfbr-1414	118	26	and	and	CCONJ
asfbr-1414	118	27	p	p	X
asfbr-1414	118	28	<	<	X
asfbr-1414	118	29	0.01	0.01	NUM
asfbr-1414	118	30	)	)	PUNCT
asfbr-1414	118	31	.	.	PUNCT
asfbr-1414	119	1	perceived	perceive	VERB
asfbr-1414	119	2	risk	risk	NOUN
asfbr-1414	119	3	has	have	VERB
asfbr-1414	119	4	a	a	DET
asfbr-1414	119	5	significant	significant	ADJ
asfbr-1414	119	6	relationship	relationship	NOUN
asfbr-1414	119	7	with	with	ADP
asfbr-1414	119	8	only	only	ADV
asfbr-1414	119	9	cost	cost	NOUN
asfbr-1414	119	10	as	as	ADP
asfbr-1414	119	11	independent	independent	ADJ
asfbr-1414	119	12	variable	variable	NOUN
asfbr-1414	119	13	.	.	PUNCT
asfbr-1414	120	1	the	the	DET
asfbr-1414	120	2	significant	significant	ADJ
asfbr-1414	120	3	values	value	NOUN
asfbr-1414	120	4	of	of	ADP
asfbr-1414	120	5	the	the	DET
asfbr-1414	120	6	correlation	correlation	NOUN
asfbr-1414	120	7	between	between	ADP
asfbr-1414	120	8	predictor	predictor	NOUN
asfbr-1414	120	9	and	and	CCONJ
asfbr-1414	120	10	predicted	predict	VERB
asfbr-1414	120	11	variables	variable	NOUN
asfbr-1414	120	12	ranged	range	VERB
asfbr-1414	120	13	from	from	ADP
asfbr-1414	120	14	r	r	NOUN
asfbr-1414	120	15	=	=	PUNCT
asfbr-1414	120	16	-0.142	-0.142	PUNCT
asfbr-1414	120	17	to	to	ADP
asfbr-1414	120	18	r	r	NOUN
asfbr-1414	120	19	=	=	NOUN
asfbr-1414	120	20	0.701	0.701	NUM
asfbr-1414	120	21	.	.	PUNCT
asfbr-1414	121	1	the	the	DET
asfbr-1414	121	2	results	result	NOUN
asfbr-1414	121	3	shown	show	VERB
asfbr-1414	121	4	in	in	ADP
asfbr-1414	121	5	table	table	NOUN
asfbr-1414	121	6	2	2	NUM
asfbr-1414	121	7	show	show	VERB
asfbr-1414	121	8	that	that	SCONJ
asfbr-1414	121	9	trustworthiness	trustworthiness	NOUN
asfbr-1414	121	10	and	and	CCONJ
asfbr-1414	121	11	accessibility	accessibility	NOUN
asfbr-1414	121	12	had	have	VERB
asfbr-1414	121	13	a	a	DET
asfbr-1414	121	14	strong	strong	ADJ
asfbr-1414	121	15	and	and	CCONJ
asfbr-1414	121	16	significant	significant	ADJ
asfbr-1414	121	17	relationship	relationship	NOUN
asfbr-1414	121	18	with	with	ADP
asfbr-1414	121	19	the	the	DET
asfbr-1414	121	20	adoption	adoption	NOUN
asfbr-1414	121	21	of	of	ADP
asfbr-1414	121	22	mobile	mobile	ADJ
asfbr-1414	121	23	financial	financial	ADJ
asfbr-1414	121	24	services	service	NOUN
asfbr-1414	121	25	with	with	ADP
asfbr-1414	121	26	r	r	NOUN
asfbr-1414	121	27	0.701	0.701	NUM
asfbr-1414	121	28	and	and	CCONJ
asfbr-1414	121	29	0.680	0.680	NUM
asfbr-1414	121	30	at	at	ADP
asfbr-1414	121	31	a	a	DET
asfbr-1414	121	32	significant	significant	ADJ
asfbr-1414	121	33	p	p	NOUN
asfbr-1414	121	34	<	<	X
asfbr-1414	121	35	0.01	0.01	NUM
asfbr-1414	121	36	higher	high	ADJ
asfbr-1414	121	37	than	than	ADP
asfbr-1414	121	38	the	the	DET
asfbr-1414	121	39	other	other	ADJ
asfbr-1414	121	40	independent	independent	ADJ
asfbr-1414	121	41	variables	variable	NOUN
asfbr-1414	121	42	.	.	PUNCT
asfbr-1414	122	1	reliability	reliability	NOUN
asfbr-1414	122	2	also	also	ADV
asfbr-1414	122	3	showed	show	VERB
asfbr-1414	122	4	a	a	DET
asfbr-1414	122	5	positive	positive	ADJ
asfbr-1414	122	6	correlation	correlation	NOUN
asfbr-1414	122	7	with	with	ADP
asfbr-1414	122	8	the	the	DET
asfbr-1414	122	9	acceptance	acceptance	NOUN
asfbr-1414	122	10	of	of	ADP
asfbr-1414	122	11	mobile	mobile	ADJ
asfbr-1414	122	12	money	money	NOUN
asfbr-1414	122	13	services	service	NOUN
asfbr-1414	122	14	at	at	ADP
asfbr-1414	122	15	p	p	NOUN
asfbr-1414	122	16	<	<	X
asfbr-1414	122	17	0.01	0.01	NUM
asfbr-1414	122	18	.	.	PUNCT
asfbr-1414	123	1	the	the	DET
asfbr-1414	123	2	perceived	perceive	VERB
asfbr-1414	123	3	risk	risk	NOUN
asfbr-1414	123	4	showed	show	VERB
asfbr-1414	123	5	a	a	DET
asfbr-1414	123	6	significant	significant	ADJ
asfbr-1414	123	7	negative	negative	ADJ
asfbr-1414	123	8	association	association	NOUN
asfbr-1414	123	9	with	with	ADP
asfbr-1414	123	10	adoption	adoption	NOUN
asfbr-1414	123	11	at	at	ADP
asfbr-1414	123	12	the	the	DET
asfbr-1414	123	13	p	p	X
asfbr-1414	123	14	<	<	X
asfbr-1414	123	15	0.05	0.05	NUM
asfbr-1414	123	16	level	level	NOUN
asfbr-1414	123	17	.	.	PUNCT
asfbr-1414	124	1	it	it	PRON
asfbr-1414	124	2	was	be	AUX
asfbr-1414	124	3	revealed	reveal	VERB
asfbr-1414	124	4	that	that	SCONJ
asfbr-1414	124	5	perceived	perceive	VERB
asfbr-1414	124	6	cost	cost	NOUN
asfbr-1414	124	7	has	have	VERB
asfbr-1414	124	8	insignificant	insignificant	ADJ
asfbr-1414	124	9	influence	influence	NOUN
asfbr-1414	124	10	on	on	ADP
asfbr-1414	124	11	the	the	DET
asfbr-1414	124	12	adoption	adoption	NOUN
asfbr-1414	124	13	of	of	ADP
asfbr-1414	124	14	mobile	mobile	ADJ
asfbr-1414	124	15	financial	financial	ADJ
asfbr-1414	124	16	services	service	NOUN
asfbr-1414	124	17	.	.	PUNCT
asfbr-1414	125	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	125	2	asian	asian	PROPN
asfbr-1414	125	3	finance	finance	PROPN
asfbr-1414	125	4	&	&	CCONJ
asfbr-1414	125	5	banking	banking	PROPN
asfbr-1414	125	6	review	review	PROPN
asfbr-1414	125	7	vol	vol	NOUN
asfbr-1414	125	8	.	.	PROPN
asfbr-1414	126	1	5	5	NUM
asfbr-1414	126	2	,	,	PUNCT
asfbr-1414	126	3	no	no	INTJ
asfbr-1414	126	4	.	.	NOUN
asfbr-1414	126	5	1	1	NUM
asfbr-1414	126	6	;	;	PUNCT
asfbr-1414	126	7	2021	2021	NUM
asfbr-1414	126	8	46	46	NUM
asfbr-1414	126	9	regression	regression	NOUN
asfbr-1414	126	10	analysis	analysis	NOUN
asfbr-1414	126	11	(	(	PUNCT
asfbr-1414	126	12	hypothesis	hypothesis	NOUN
asfbr-1414	126	13	testing	testing	NOUN
asfbr-1414	126	14	)	)	PUNCT
asfbr-1414	126	15	model	model	NOUN
asfbr-1414	126	16	summary	summary	NOUN
asfbr-1414	126	17	model	model	NOUN
asfbr-1414	126	18	r	r	PROPN
asfbr-1414	126	19	r	r	NOUN
asfbr-1414	126	20	square	square	ADJ
asfbr-1414	126	21	adjusted	adjust	VERB
asfbr-1414	126	22	r	r	NOUN
asfbr-1414	126	23	square	square	ADJ
asfbr-1414	126	24	std	std	NOUN
asfbr-1414	126	25	.	.	PUNCT
asfbr-1414	127	1	error	error	NOUN
asfbr-1414	127	2	of	of	ADP
asfbr-1414	127	3	the	the	DET
asfbr-1414	127	4	estimate	estimate	NOUN
asfbr-1414	127	5	1	1	NUM
asfbr-1414	127	6	.762a	.762a	PROPN
asfbr-1414	127	7	.581	.581	NUM
asfbr-1414	127	8	.573	.573	NUM
asfbr-1414	128	1	.44917	.44917	NOUN
asfbr-1414	128	2	a.	a.	NOUN
asfbr-1414	128	3	predictors	predictor	NOUN
asfbr-1414	128	4	:	:	PUNCT
asfbr-1414	128	5	(	(	PUNCT
asfbr-1414	128	6	constant	constant	ADJ
asfbr-1414	128	7	)	)	PUNCT
asfbr-1414	128	8	,	,	PUNCT
asfbr-1414	128	9	perceivedcost	perceivedcost	PROPN
asfbr-1414	128	10	,	,	PUNCT
asfbr-1414	128	11	perceivedtrust	perceivedtrust	ADV
asfbr-1414	128	12	,	,	PUNCT
asfbr-1414	128	13	perceivedrisk	perceivedrisk	NOUN
asfbr-1414	128	14	,	,	PUNCT
asfbr-1414	128	15	reliability	reliability	NOUN
asfbr-1414	128	16	,	,	PUNCT
asfbr-1414	128	17	convenience	convenience	NOUN
asfbr-1414	128	18	r	r	NOUN
asfbr-1414	128	19	square	square	NOUN
asfbr-1414	128	20	gives	give	VERB
asfbr-1414	128	21	a	a	DET
asfbr-1414	128	22	record	record	NOUN
asfbr-1414	128	23	of	of	ADP
asfbr-1414	128	24	the	the	DET
asfbr-1414	128	25	measure	measure	NOUN
asfbr-1414	128	26	of	of	ADP
asfbr-1414	128	27	changeability	changeability	NOUN
asfbr-1414	128	28	in	in	ADP
asfbr-1414	128	29	the	the	DET
asfbr-1414	128	30	predicted	predict	VERB
asfbr-1414	128	31	variable	variable	NOUN
asfbr-1414	128	32	represented	represent	VERB
asfbr-1414	128	33	by	by	ADP
asfbr-1414	128	34	the	the	DET
asfbr-1414	128	35	predictor	predictor	NOUN
asfbr-1414	128	36	variable	variable	NOUN
asfbr-1414	128	37	(	(	PUNCT
asfbr-1414	128	38	bordens	bordens	PROPN
asfbr-1414	128	39	&	&	CCONJ
asfbr-1414	128	40	abbott	abbott	PROPN
asfbr-1414	128	41	,	,	PUNCT
asfbr-1414	128	42	2011	2011	NUM
asfbr-1414	128	43	)	)	PUNCT
asfbr-1414	128	44	.	.	PUNCT
asfbr-1414	129	1	so	so	ADV
asfbr-1414	129	2	for	for	ADP
asfbr-1414	129	3	this	this	DET
asfbr-1414	129	4	situation	situation	NOUN
asfbr-1414	129	5	the	the	DET
asfbr-1414	129	6	above	above	ADJ
asfbr-1414	129	7	table	table	NOUN
asfbr-1414	129	8	shows	show	VERB
asfbr-1414	129	9	that	that	SCONJ
asfbr-1414	129	10	the	the	DET
asfbr-1414	129	11	worth	worth	NOUN
asfbr-1414	129	12	of	of	ADP
asfbr-1414	129	13	r	r	NOUN
asfbr-1414	129	14	is	be	AUX
asfbr-1414	129	15	0.762	0.762	NUM
asfbr-1414	129	16	which	which	PRON
asfbr-1414	129	17	is	be	AUX
asfbr-1414	129	18	illustrative	illustrative	ADJ
asfbr-1414	129	19	of	of	ADP
asfbr-1414	129	20	the	the	DET
asfbr-1414	129	21	relationship	relationship	NOUN
asfbr-1414	129	22	esteem	esteem	NOUN
asfbr-1414	129	23	between	between	ADP
asfbr-1414	129	24	explanatory	explanatory	ADJ
asfbr-1414	129	25	and	and	CCONJ
asfbr-1414	129	26	response	response	NOUN
asfbr-1414	129	27	variable	variable	NOUN
asfbr-1414	129	28	.	.	PUNCT
asfbr-1414	130	1	the	the	DET
asfbr-1414	130	2	above	above	ADJ
asfbr-1414	130	3	model	model	NOUN
asfbr-1414	130	4	shows	show	VERB
asfbr-1414	130	5	that	that	SCONJ
asfbr-1414	130	6	value	value	NOUN
asfbr-1414	130	7	of	of	ADP
asfbr-1414	130	8	r2	r2	PROPN
asfbr-1414	130	9	is	be	AUX
asfbr-1414	130	10	0.581	0.581	NUM
asfbr-1414	130	11	which	which	PRON
asfbr-1414	130	12	shows	show	VERB
asfbr-1414	130	13	variability	variability	NOUN
asfbr-1414	130	14	of	of	ADP
asfbr-1414	130	15	predictor	predictor	NOUN
asfbr-1414	130	16	variable	variable	NOUN
asfbr-1414	130	17	on	on	ADP
asfbr-1414	130	18	predicted	predict	VERB
asfbr-1414	130	19	variable	variable	NOUN
asfbr-1414	130	20	.	.	PUNCT
asfbr-1414	131	1	0.573	0.573	NUM
asfbr-1414	131	2	adjusted	adjust	VERB
asfbr-1414	131	3	r	r	NOUN
asfbr-1414	131	4	square	square	NOUN
asfbr-1414	131	5	and	and	CCONJ
asfbr-1414	131	6	st	st	PROPN
asfbr-1414	131	7	.	.	PROPN
asfbr-1414	131	8	deviation	deviation	NOUN
asfbr-1414	131	9	error	error	NOUN
asfbr-1414	131	10	of	of	ADP
asfbr-1414	131	11	the	the	DET
asfbr-1414	131	12	estimate	estimate	NOUN
asfbr-1414	131	13	=	=	NOUN
asfbr-1414	131	14	0.44917	0.44917	NUM
asfbr-1414	131	15	fluctuation	fluctuation	NOUN
asfbr-1414	131	16	of	of	ADP
asfbr-1414	131	17	forecast	forecast	NOUN
asfbr-1414	131	18	.	.	PUNCT
asfbr-1414	132	1	the	the	DET
asfbr-1414	132	2	correlation	correlation	NOUN
asfbr-1414	132	3	value	value	NOUN
asfbr-1414	132	4	is	be	AUX
asfbr-1414	132	5	positive	positive	ADJ
asfbr-1414	132	6	and	and	CCONJ
asfbr-1414	132	7	depicts	depict	VERB
asfbr-1414	132	8	a	a	DET
asfbr-1414	132	9	good	good	ADJ
asfbr-1414	132	10	strength	strength	NOUN
asfbr-1414	132	11	of	of	ADP
asfbr-1414	132	12	relationship	relationship	NOUN
asfbr-1414	132	13	between	between	ADP
asfbr-1414	132	14	the	the	DET
asfbr-1414	132	15	dependent	dependent	ADJ
asfbr-1414	132	16	and	and	CCONJ
asfbr-1414	132	17	independent	independent	ADJ
asfbr-1414	132	18	variables	variable	NOUN
asfbr-1414	132	19	.	.	PUNCT
asfbr-1414	133	1	the	the	DET
asfbr-1414	133	2	r	r	NOUN
asfbr-1414	133	3	square	square	ADJ
asfbr-1414	133	4	value	value	NOUN
asfbr-1414	133	5	is	be	AUX
asfbr-1414	133	6	0.581	0.581	NUM
asfbr-1414	133	7	which	which	PRON
asfbr-1414	133	8	is	be	AUX
asfbr-1414	133	9	explaining	explain	VERB
asfbr-1414	133	10	that	that	SCONJ
asfbr-1414	133	11	diversified	diversified	ADJ
asfbr-1414	133	12	results	result	NOUN
asfbr-1414	133	13	are	be	AUX
asfbr-1414	133	14	41.1	41.1	NUM
asfbr-1414	133	15	%	%	NOUN
asfbr-1414	133	16	of	of	ADP
asfbr-1414	133	17	variation	variation	NOUN
asfbr-1414	133	18	in	in	ADP
asfbr-1414	133	19	dependant	dependant	ADJ
asfbr-1414	133	20	variable	variable	NOUN
asfbr-1414	133	21	which	which	PRON
asfbr-1414	133	22	is	be	AUX
asfbr-1414	133	23	adoption	adoption	NOUN
asfbr-1414	133	24	of	of	ADP
asfbr-1414	133	25	mobile	mobile	ADJ
asfbr-1414	133	26	financial	financial	ADJ
asfbr-1414	133	27	services	service	NOUN
asfbr-1414	133	28	.	.	PUNCT
asfbr-1414	134	1	it	it	PRON
asfbr-1414	134	2	means	mean	VERB
asfbr-1414	134	3	that	that	SCONJ
asfbr-1414	134	4	58.1	58.1	NUM
asfbr-1414	134	5	%	%	NOUN
asfbr-1414	134	6	of	of	ADP
asfbr-1414	134	7	variability	variability	NOUN
asfbr-1414	134	8	shows	show	VERB
asfbr-1414	134	9	how	how	SCONJ
asfbr-1414	134	10	the	the	DET
asfbr-1414	134	11	current	current	ADJ
asfbr-1414	134	12	factors	factor	NOUN
asfbr-1414	134	13	like	like	ADP
asfbr-1414	134	14	perceived	perceive	VERB
asfbr-1414	134	15	risk	risk	NOUN
asfbr-1414	134	16	,	,	PUNCT
asfbr-1414	134	17	perceived	perceive	VERB
asfbr-1414	134	18	trust	trust	NOUN
asfbr-1414	134	19	are	be	AUX
asfbr-1414	134	20	affecting	affect	VERB
asfbr-1414	134	21	adoption	adoption	NOUN
asfbr-1414	134	22	of	of	ADP
asfbr-1414	134	23	mobile	mobile	ADJ
asfbr-1414	134	24	financial	financial	ADJ
asfbr-1414	134	25	services	service	NOUN
asfbr-1414	134	26	and	and	CCONJ
asfbr-1414	134	27	whether	whether	SCONJ
asfbr-1414	134	28	it	it	PRON
asfbr-1414	134	29	is	be	AUX
asfbr-1414	134	30	dependent	dependent	ADJ
asfbr-1414	134	31	on	on	ADP
asfbr-1414	134	32	other	other	ADJ
asfbr-1414	134	33	factors	factor	NOUN
asfbr-1414	134	34	not	not	PART
asfbr-1414	134	35	given	give	VERB
asfbr-1414	134	36	in	in	ADP
asfbr-1414	134	37	this	this	DET
asfbr-1414	134	38	study	study	NOUN
asfbr-1414	134	39	but	but	CCONJ
asfbr-1414	134	40	they	they	PRON
asfbr-1414	134	41	have	have	VERB
asfbr-1414	134	42	impact	impact	NOUN
asfbr-1414	134	43	on	on	ADP
asfbr-1414	134	44	its	its	PRON
asfbr-1414	134	45	adoption	adoption	NOUN
asfbr-1414	134	46	.	.	PUNCT
asfbr-1414	135	1	anova	anova	PROPN
asfbr-1414	135	2	model	model	PROPN
asfbr-1414	135	3	sum	sum	NOUN
asfbr-1414	135	4	of	of	ADP
asfbr-1414	135	5	squares	square	NOUN
asfbr-1414	135	6	df	df	PROPN
asfbr-1414	135	7	mean	mean	PROPN
asfbr-1414	135	8	square	square	PROPN
asfbr-1414	135	9	f	f	PROPN
asfbr-1414	135	10	sig	sig	PROPN
asfbr-1414	135	11	.	.	PROPN
asfbr-1414	135	12	1	1	NUM
asfbr-1414	135	13	regression	regression	NOUN
asfbr-1414	135	14	68.036	68.036	NUM
asfbr-1414	135	15	5	5	NUM
asfbr-1414	135	16	13.607	13.607	NUM
asfbr-1414	135	17	67.445	67.445	NUM
asfbr-1414	135	18	.000b	.000b	PROPN
asfbr-1414	135	19	residual	residual	ADJ
asfbr-1414	135	20	49.026	49.026	NUM
asfbr-1414	135	21	243	243	NUM
asfbr-1414	135	22	.202	.202	NUM
asfbr-1414	135	23	total	total	ADJ
asfbr-1414	135	24	117.062	117.062	NUM
asfbr-1414	135	25	248	248	NUM
asfbr-1414	135	26	a.	a.	NOUN
asfbr-1414	135	27	dependent	dependent	ADJ
asfbr-1414	135	28	variable	variable	NOUN
asfbr-1414	135	29	:	:	PUNCT
asfbr-1414	135	30	mobilefinancialserviceadoption	mobilefinancialserviceadoption	PROPN
asfbr-1414	135	31	b.	b.	PROPN
asfbr-1414	135	32	predictors	predictor	NOUN
asfbr-1414	135	33	:	:	PUNCT
asfbr-1414	135	34	(	(	PUNCT
asfbr-1414	135	35	constant	constant	ADJ
asfbr-1414	135	36	)	)	PUNCT
asfbr-1414	135	37	,	,	PUNCT
asfbr-1414	135	38	perceivedcost	perceivedcost	PROPN
asfbr-1414	135	39	,	,	PUNCT
asfbr-1414	135	40	perceivedtrust	perceivedtrust	ADV
asfbr-1414	135	41	,	,	PUNCT
asfbr-1414	135	42	perceivedrisk	perceivedrisk	NOUN
asfbr-1414	135	43	,	,	PUNCT
asfbr-1414	135	44	reliability	reliability	NOUN
asfbr-1414	135	45	,	,	PUNCT
asfbr-1414	135	46	convenience	convenience	NOUN
asfbr-1414	135	47	table	table	NOUN
asfbr-1414	135	48	anova	anova	PROPN
asfbr-1414	135	49	test	test	NOUN
asfbr-1414	135	50	shows	show	VERB
asfbr-1414	135	51	the	the	DET
asfbr-1414	135	52	level	level	NOUN
asfbr-1414	135	53	of	of	ADP
asfbr-1414	135	54	significance	significance	NOUN
asfbr-1414	135	55	and	and	CCONJ
asfbr-1414	135	56	f	f	X
asfbr-1414	135	57	-	-	PUNCT
asfbr-1414	135	58	status	status	NOUN
asfbr-1414	135	59	value	value	NOUN
asfbr-1414	135	60	.	.	PUNCT
asfbr-1414	136	1	the	the	DET
asfbr-1414	136	2	results	result	NOUN
asfbr-1414	136	3	of	of	ADP
asfbr-1414	136	4	this	this	DET
asfbr-1414	136	5	test	test	NOUN
asfbr-1414	136	6	show	show	NOUN
asfbr-1414	136	7	that	that	SCONJ
asfbr-1414	136	8	factors	factor	NOUN
asfbr-1414	136	9	like	like	ADP
asfbr-1414	136	10	perceived	perceive	VERB
asfbr-1414	136	11	risk	risk	NOUN
asfbr-1414	136	12	,	,	PUNCT
asfbr-1414	136	13	perceived	perceive	VERB
asfbr-1414	136	14	cost	cost	NOUN
asfbr-1414	136	15	,	,	PUNCT
asfbr-1414	136	16	reliability	reliability	NOUN
asfbr-1414	136	17	etc	etc	X
asfbr-1414	136	18	.	.	X
asfbr-1414	136	19	are	be	AUX
asfbr-1414	136	20	significantly	significantly	ADV
asfbr-1414	136	21	contributes	contribute	VERB
asfbr-1414	136	22	towards	towards	ADP
asfbr-1414	136	23	the	the	DET
asfbr-1414	136	24	adoption	adoption	NOUN
asfbr-1414	136	25	of	of	ADP
asfbr-1414	136	26	mobile	mobile	ADJ
asfbr-1414	136	27	financial	financial	ADJ
asfbr-1414	136	28	services	service	NOUN
asfbr-1414	136	29	that	that	PRON
asfbr-1414	136	30	is	be	AUX
asfbr-1414	136	31	(	(	PUNCT
asfbr-1414	136	32	f=67.445	f=67.445	NOUN
asfbr-1414	136	33	&	&	CCONJ
asfbr-1414	136	34	p=0.000	p=0.000	PROPN
asfbr-1414	136	35	)	)	PUNCT
asfbr-1414	136	36	which	which	PRON
asfbr-1414	136	37	also	also	ADV
asfbr-1414	136	38	means	mean	VERB
asfbr-1414	136	39	that	that	SCONJ
asfbr-1414	136	40	overall	overall	ADJ
asfbr-1414	136	41	regression	regression	NOUN
asfbr-1414	136	42	model	model	NOUN
asfbr-1414	136	43	is	be	AUX
asfbr-1414	136	44	showing	show	VERB
asfbr-1414	136	45	a	a	DET
asfbr-1414	136	46	good	good	ADJ
asfbr-1414	136	47	model	model	NOUN
asfbr-1414	136	48	fit	fit	PROPN
asfbr-1414	136	49	.	.	PUNCT
asfbr-1414	137	1	coefficientsa	coefficientsa	NOUN
asfbr-1414	137	2	model	model	VERB
asfbr-1414	137	3	unstandardized	unstandardized	ADJ
asfbr-1414	137	4	coefficients	coefficient	NOUN
asfbr-1414	137	5	standardized	standardize	VERB
asfbr-1414	137	6	coefficients	coefficient	NOUN
asfbr-1414	137	7	t	t	PROPN
asfbr-1414	137	8	sig	sig	PROPN
asfbr-1414	137	9	.	.	PUNCT
asfbr-1414	138	1	b	b	X
asfbr-1414	138	2	std	std	PROPN
asfbr-1414	138	3	.	.	NOUN
asfbr-1414	138	4	error	error	NOUN
asfbr-1414	138	5	beta	beta	NOUN
asfbr-1414	138	6	1	1	NUM
asfbr-1414	138	7	(	(	PUNCT
asfbr-1414	138	8	constant	constant	ADJ
asfbr-1414	138	9	)	)	PUNCT
asfbr-1414	138	10	.815	.815	NUM
asfbr-1414	138	11	.227	.227	NUM
asfbr-1414	138	12	3.585	3.585	NUM
asfbr-1414	138	13	.000	.000	NUM
asfbr-1414	138	14	perceivedtrust	perceivedtrust	NOUN
asfbr-1414	138	15	.380	.380	NUM
asfbr-1414	138	16	.057	.057	NUM
asfbr-1414	138	17	.401	.401	NUM
asfbr-1414	138	18	6.639	6.639	NUM
asfbr-1414	138	19	.000	.000	NUM
asfbr-1414	138	20	convenience	convenience	NOUN
asfbr-1414	138	21	.351	.351	NUM
asfbr-1414	138	22	.064	.064	NUM
asfbr-1414	138	23	.344	.344	NUM
asfbr-1414	138	24	5.488	5.488	NUM
asfbr-1414	138	25	.000	.000	NUM
asfbr-1414	138	26	perceivedrisk	perceivedrisk	NOUN
asfbr-1414	138	27	-.124	-.124	PROPN
asfbr-1414	138	28	.049	.049	NUM
asfbr-1414	138	29	-.115	-.115	PROPN
asfbr-1414	139	1	-2.541	-2.541	PUNCT
asfbr-1414	139	2	.012	.012	NUM
asfbr-1414	139	3	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	139	4	asian	asian	PROPN
asfbr-1414	139	5	finance	finance	PROPN
asfbr-1414	139	6	&	&	CCONJ
asfbr-1414	139	7	banking	banking	PROPN
asfbr-1414	139	8	review	review	PROPN
asfbr-1414	139	9	vol	vol	NOUN
asfbr-1414	139	10	.	.	PROPN
asfbr-1414	140	1	5	5	NUM
asfbr-1414	140	2	,	,	PUNCT
asfbr-1414	140	3	no	no	INTJ
asfbr-1414	140	4	.	.	NOUN
asfbr-1414	140	5	1	1	NUM
asfbr-1414	140	6	;	;	PUNCT
asfbr-1414	140	7	2021	2021	NUM
asfbr-1414	140	8	47	47	NUM
asfbr-1414	140	9	reliability	reliability	NOUN
asfbr-1414	140	10	.083	.083	NUM
asfbr-1414	140	11	.059	.059	NUM
asfbr-1414	140	12	.083	.083	NUM
asfbr-1414	140	13	1.407	1.407	NUM
asfbr-1414	140	14	.161	.161	NUM
asfbr-1414	140	15	perceivedcost	perceivedcost	X
asfbr-1414	140	16	.043	.043	NUM
asfbr-1414	140	17	.040	.040	NUM
asfbr-1414	140	18	.049	.049	NUM
asfbr-1414	140	19	1.070	1.070	NUM
asfbr-1414	140	20	.286	.286	NUM
asfbr-1414	140	21	a.	a.	NOUN
asfbr-1414	140	22	dependent	dependent	ADJ
asfbr-1414	140	23	variable	variable	NOUN
asfbr-1414	140	24	:	:	PUNCT
asfbr-1414	140	25	mobilefinancialserviceadoption	mobilefinancialserviceadoption	NOUN
asfbr-1414	140	26	perceived	perceive	VERB
asfbr-1414	140	27	trust	trust	NOUN
asfbr-1414	140	28	the	the	DET
asfbr-1414	140	29	idea	idea	NOUN
asfbr-1414	140	30	of	of	ADP
asfbr-1414	140	31	trustworthiness	trustworthiness	NOUN
asfbr-1414	140	32	hypothesis	hypothesis	NOUN
asfbr-1414	140	33	proposes	propose	VERB
asfbr-1414	140	34	that	that	SCONJ
asfbr-1414	140	35	this	this	DET
asfbr-1414	140	36	independent	independent	ADJ
asfbr-1414	140	37	variable	variable	NOUN
asfbr-1414	140	38	can	can	AUX
asfbr-1414	140	39	altogether	altogether	ADV
asfbr-1414	140	40	affect	affect	VERB
asfbr-1414	140	41	the	the	DET
asfbr-1414	140	42	uptake	uptake	NOUN
asfbr-1414	140	43	of	of	ADP
asfbr-1414	140	44	mobile	mobile	ADJ
asfbr-1414	140	45	money	money	NOUN
asfbr-1414	140	46	,	,	PUNCT
asfbr-1414	140	47	the	the	DET
asfbr-1414	140	48	result	result	NOUN
asfbr-1414	140	49	of	of	ADP
asfbr-1414	140	50	this	this	DET
asfbr-1414	140	51	analysis	analysis	NOUN
asfbr-1414	140	52	also	also	ADV
asfbr-1414	140	53	reveal	reveal	VERB
asfbr-1414	140	54	the	the	DET
asfbr-1414	140	55	same	same	ADJ
asfbr-1414	140	56	thing	thing	NOUN
asfbr-1414	140	57	(	(	PUNCT
asfbr-1414	140	58	â	â	NOUN
asfbr-1414	140	59	=	=	NOUN
asfbr-1414	140	60	0.380	0.380	NUM
asfbr-1414	140	61	,	,	PUNCT
asfbr-1414	140	62	p	p	X
asfbr-1414	140	63	=	=	NOUN
asfbr-1414	140	64	0.000	0.000	NUM
asfbr-1414	140	65	)	)	PUNCT
asfbr-1414	140	66	.	.	PUNCT
asfbr-1414	141	1	the	the	DET
asfbr-1414	141	2	results	result	NOUN
asfbr-1414	141	3	are	be	AUX
asfbr-1414	141	4	correspondent	correspondent	NOUN
asfbr-1414	141	5	with	with	ADP
asfbr-1414	141	6	the	the	DET
asfbr-1414	141	7	previous	previous	ADJ
asfbr-1414	141	8	researches	research	NOUN
asfbr-1414	141	9	that	that	PRON
asfbr-1414	141	10	show	show	NOUN
asfbr-1414	141	11	trustworthiness	trustworthiness	NOUN
asfbr-1414	141	12	has	have	VERB
asfbr-1414	141	13	beneficial	beneficial	ADJ
asfbr-1414	141	14	impaction	impaction	NOUN
asfbr-1414	141	15	on	on	ADP
asfbr-1414	141	16	the	the	DET
asfbr-1414	141	17	reception	reception	NOUN
asfbr-1414	141	18	of	of	ADP
asfbr-1414	141	19	mobile	mobile	ADJ
asfbr-1414	141	20	money	money	NOUN
asfbr-1414	141	21	services	service	NOUN
asfbr-1414	141	22	(	(	PUNCT
asfbr-1414	141	23	dass	dass	PROPN
asfbr-1414	141	24	&	&	CCONJ
asfbr-1414	141	25	pal	pal	NOUN
asfbr-1414	141	26	,	,	PUNCT
asfbr-1414	141	27	2011b	2011b	NUM
asfbr-1414	141	28	;	;	PUNCT
asfbr-1414	141	29	chitungo	chitungo	NOUN
asfbr-1414	141	30	&	&	CCONJ
asfbr-1414	141	31	munongo	munongo	NOUN
asfbr-1414	141	32	,	,	PUNCT
asfbr-1414	141	33	2013	2013	NUM
asfbr-1414	141	34	;	;	PUNCT
asfbr-1414	141	35	marumbwa	marumbwa	PROPN
asfbr-1414	141	36	&	&	CCONJ
asfbr-1414	141	37	mutsikiwa	mutsikiwa	PROPN
asfbr-1414	141	38	,	,	PUNCT
asfbr-1414	141	39	2013	2013	NUM
asfbr-1414	141	40	)	)	PUNCT
asfbr-1414	141	41	.	.	PUNCT
asfbr-1414	142	1	convenience	convenience	VERB
asfbr-1414	142	2	the	the	DET
asfbr-1414	142	3	regression	regression	NOUN
asfbr-1414	142	4	analysis	analysis	NOUN
asfbr-1414	142	5	found	find	VERB
asfbr-1414	142	6	that	that	SCONJ
asfbr-1414	142	7	perceived	perceive	VERB
asfbr-1414	142	8	usefulness	usefulness	NOUN
asfbr-1414	142	9	and	and	CCONJ
asfbr-1414	142	10	perceived	perceive	VERB
asfbr-1414	142	11	ease	ease	NOUN
asfbr-1414	142	12	of	of	ADP
asfbr-1414	142	13	use	use	NOUN
asfbr-1414	142	14	have	have	VERB
asfbr-1414	142	15	a	a	DET
asfbr-1414	142	16	significant	significant	ADJ
asfbr-1414	142	17	influence	influence	NOUN
asfbr-1414	142	18	on	on	ADP
asfbr-1414	142	19	mobile	mobile	ADJ
asfbr-1414	142	20	financial	financial	ADJ
asfbr-1414	142	21	service	service	NOUN
asfbr-1414	142	22	uptake	uptake	ADJ
asfbr-1414	142	23	at	at	ADP
asfbr-1414	142	24	p	p	NOUN
asfbr-1414	142	25	0.01	0.01	NUM
asfbr-1414	142	26	significance	significance	NOUN
asfbr-1414	142	27	level	level	NOUN
asfbr-1414	142	28	with	with	ADP
asfbr-1414	142	29	â=	â=	ADJ
asfbr-1414	142	30	0.351	0.351	NUM
asfbr-1414	142	31	.	.	PUNCT
asfbr-1414	143	1	these	these	DET
asfbr-1414	143	2	findings	finding	NOUN
asfbr-1414	143	3	support	support	VERB
asfbr-1414	143	4	the	the	DET
asfbr-1414	143	5	hypothesis	hypothesis	NOUN
asfbr-1414	143	6	that	that	PRON
asfbr-1414	143	7	convenience	convenience	NOUN
asfbr-1414	143	8	has	have	VERB
asfbr-1414	143	9	a	a	DET
asfbr-1414	143	10	major	major	ADJ
asfbr-1414	143	11	beneficial	beneficial	ADJ
asfbr-1414	143	12	impact	impact	NOUN
asfbr-1414	143	13	on	on	ADP
asfbr-1414	143	14	mobile	mobile	ADJ
asfbr-1414	143	15	financial	financial	ADJ
asfbr-1414	143	16	service	service	NOUN
asfbr-1414	143	17	adoption	adoption	NOUN
asfbr-1414	143	18	.	.	PUNCT
asfbr-1414	144	1	the	the	DET
asfbr-1414	144	2	null	null	ADJ
asfbr-1414	144	3	hypothesis	hypothesis	NOUN
asfbr-1414	144	4	that	that	PRON
asfbr-1414	144	5	convenience	convenience	NOUN
asfbr-1414	144	6	has	have	VERB
asfbr-1414	144	7	no	no	DET
asfbr-1414	144	8	effect	effect	NOUN
asfbr-1414	144	9	can	can	AUX
asfbr-1414	144	10	be	be	AUX
asfbr-1414	144	11	rejected	reject	VERB
asfbr-1414	144	12	because	because	SCONJ
asfbr-1414	144	13	the	the	DET
asfbr-1414	144	14	p	p	NOUN
asfbr-1414	144	15	-	-	PUNCT
asfbr-1414	144	16	value	value	NOUN
asfbr-1414	144	17	is	be	AUX
asfbr-1414	144	18	less	less	ADJ
asfbr-1414	144	19	than	than	ADP
asfbr-1414	144	20	0.01	0.01	NUM
asfbr-1414	144	21	.	.	PUNCT
asfbr-1414	145	1	discoveries	discovery	NOUN
asfbr-1414	145	2	are	be	AUX
asfbr-1414	145	3	harmonious	harmonious	ADJ
asfbr-1414	145	4	with	with	ADP
asfbr-1414	145	5	davis	davis	PROPN
asfbr-1414	145	6	'	'	PART
asfbr-1414	145	7	(	(	PUNCT
asfbr-1414	145	8	1989	1989	NUM
asfbr-1414	145	9	)	)	PUNCT
asfbr-1414	145	10	idea	idea	NOUN
asfbr-1414	145	11	of	of	ADP
asfbr-1414	145	12	technology	technology	NOUN
asfbr-1414	145	13	acceptance	acceptance	NOUN
asfbr-1414	145	14	model	model	NOUN
asfbr-1414	145	15	(	(	PUNCT
asfbr-1414	145	16	tam	tam	PROPN
asfbr-1414	145	17	)	)	PUNCT
asfbr-1414	145	18	,	,	PUNCT
asfbr-1414	145	19	which	which	PRON
asfbr-1414	145	20	depends	depend	VERB
asfbr-1414	145	21	with	with	ADP
asfbr-1414	145	22	the	the	DET
asfbr-1414	145	23	understanding	understanding	NOUN
asfbr-1414	145	24	that	that	PRON
asfbr-1414	145	25	convenience	convenience	NOUN
asfbr-1414	145	26	is	be	AUX
asfbr-1414	145	27	the	the	DET
asfbr-1414	145	28	prime	prime	ADJ
asfbr-1414	145	29	factor	factor	NOUN
asfbr-1414	145	30	in	in	ADP
asfbr-1414	145	31	influencing	influence	VERB
asfbr-1414	145	32	new	new	ADJ
asfbr-1414	145	33	innovation	innovation	NOUN
asfbr-1414	145	34	acknowledgment	acknowledgment	NOUN
asfbr-1414	145	35	.	.	PUNCT
asfbr-1414	146	1	different	different	ADJ
asfbr-1414	146	2	researhers	researher	NOUN
asfbr-1414	146	3	,	,	PUNCT
asfbr-1414	146	4	including	include	VERB
asfbr-1414	146	5	chitungo	chitungo	NOUN
asfbr-1414	146	6	and	and	CCONJ
asfbr-1414	146	7	munongo	munongo	NOUN
asfbr-1414	146	8	(	(	PUNCT
asfbr-1414	146	9	2013	2013	NUM
asfbr-1414	146	10	)	)	PUNCT
asfbr-1414	146	11	in	in	ADP
asfbr-1414	146	12	zimbabwe	zimbabwe	PROPN
asfbr-1414	146	13	,	,	PUNCT
asfbr-1414	146	14	lule	lule	PROPN
asfbr-1414	146	15	(	(	PUNCT
asfbr-1414	146	16	2008	2008	NUM
asfbr-1414	146	17	)	)	PUNCT
asfbr-1414	146	18	in	in	ADP
asfbr-1414	146	19	kenya	kenya	PROPN
asfbr-1414	146	20	,	,	PUNCT
asfbr-1414	146	21	marumbwa	marumbwa	NOUN
asfbr-1414	146	22	and	and	CCONJ
asfbr-1414	146	23	mutsikiwa	mutsikiwa	NOUN
asfbr-1414	146	24	(	(	PUNCT
asfbr-1414	146	25	2013	2013	NUM
asfbr-1414	146	26	)	)	PUNCT
asfbr-1414	146	27	in	in	ADP
asfbr-1414	146	28	zimbabwe	zimbabwe	PROPN
asfbr-1414	146	29	,	,	PUNCT
asfbr-1414	146	30	and	and	CCONJ
asfbr-1414	146	31	dahlberg	dahlberg	PROPN
asfbr-1414	146	32	,	,	PUNCT
asfbr-1414	146	33	mallat	mallat	ADJ
asfbr-1414	146	34	,	,	PUNCT
asfbr-1414	146	35	and	and	CCONJ
asfbr-1414	146	36	örni	örni	NOUN
asfbr-1414	146	37	(	(	PUNCT
asfbr-1414	146	38	2004	2004	NUM
asfbr-1414	146	39	)	)	PUNCT
asfbr-1414	146	40	also	also	ADV
asfbr-1414	146	41	found	find	VERB
asfbr-1414	146	42	that	that	SCONJ
asfbr-1414	146	43	convenience	convenience	NOUN
asfbr-1414	146	44	was	be	AUX
asfbr-1414	146	45	significant	significant	ADJ
asfbr-1414	146	46	in	in	ADP
asfbr-1414	146	47	evaluating	evaluate	VERB
asfbr-1414	146	48	clients	client	NOUN
asfbr-1414	146	49	'	'	PART
asfbr-1414	146	50	reception	reception	NOUN
asfbr-1414	146	51	behavior	behavior	NOUN
asfbr-1414	146	52	in	in	ADP
asfbr-1414	146	53	new	new	ADJ
asfbr-1414	146	54	technology	technology	NOUN
asfbr-1414	146	55	and	and	CCONJ
asfbr-1414	146	56	testing	test	VERB
asfbr-1414	146	57	it	it	PRON
asfbr-1414	146	58	with	with	ADP
asfbr-1414	146	59	different	different	ADJ
asfbr-1414	146	60	factors	factor	NOUN
asfbr-1414	146	61	in	in	ADP
asfbr-1414	146	62	contrast	contrast	NOUN
asfbr-1414	146	63	with	with	ADP
asfbr-1414	146	64	davis	davis	PROPN
asfbr-1414	146	65	'	'	PART
asfbr-1414	146	66	first	first	ADJ
asfbr-1414	146	67	reception	reception	NOUN
asfbr-1414	146	68	innovation	innovation	NOUN
asfbr-1414	146	69	model	model	NOUN
asfbr-1414	146	70	(	(	PUNCT
asfbr-1414	146	71	1989	1989	NUM
asfbr-1414	146	72	)	)	PUNCT
asfbr-1414	146	73	.	.	PUNCT
asfbr-1414	147	1	reliability	reliability	NOUN
asfbr-1414	147	2	with	with	ADP
asfbr-1414	147	3	â=0.083	â=0.083	PROPN
asfbr-1414	147	4	,	,	PUNCT
asfbr-1414	147	5	p>0.01	p>0.01	PROPN
asfbr-1414	147	6	,	,	PUNCT
asfbr-1414	147	7	the	the	DET
asfbr-1414	147	8	discoveries	discovery	NOUN
asfbr-1414	147	9	of	of	ADP
asfbr-1414	147	10	this	this	DET
asfbr-1414	147	11	review	review	NOUN
asfbr-1414	147	12	demonstrated	demonstrate	VERB
asfbr-1414	147	13	that	that	SCONJ
asfbr-1414	147	14	reliability	reliability	NOUN
asfbr-1414	147	15	essentially	essentially	ADV
asfbr-1414	147	16	affected	affect	VERB
asfbr-1414	147	17	the	the	DET
asfbr-1414	147	18	take	take	VERB
asfbr-1414	147	19	-	-	PUNCT
asfbr-1414	147	20	up	up	NOUN
asfbr-1414	147	21	of	of	ADP
asfbr-1414	147	22	mobile	mobile	ADJ
asfbr-1414	147	23	money	money	NOUN
asfbr-1414	147	24	services	service	NOUN
asfbr-1414	147	25	.	.	PUNCT
asfbr-1414	148	1	it	it	PRON
asfbr-1414	148	2	follows	follow	VERB
asfbr-1414	148	3	that	that	SCONJ
asfbr-1414	148	4	the	the	DET
asfbr-1414	148	5	utilization	utilization	NOUN
asfbr-1414	148	6	of	of	ADP
asfbr-1414	148	7	a	a	DET
asfbr-1414	148	8	biometric	biometric	ADJ
asfbr-1414	148	9	finger	finger	NOUN
asfbr-1414	148	10	impression	impression	NOUN
asfbr-1414	148	11	scanner	scanner	NOUN
asfbr-1414	148	12	ca	can	AUX
asfbr-1414	148	13	n't	not	PART
asfbr-1414	148	14	be	be	AUX
asfbr-1414	148	15	a	a	DET
asfbr-1414	148	16	solid	solid	ADJ
asfbr-1414	148	17	and	and	CCONJ
asfbr-1414	148	18	safe	safe	ADJ
asfbr-1414	148	19	strategy	strategy	NOUN
asfbr-1414	148	20	of	of	ADP
asfbr-1414	148	21	making	make	VERB
asfbr-1414	148	22	installments	installment	NOUN
asfbr-1414	148	23	or	or	CCONJ
asfbr-1414	148	24	moving	move	VERB
asfbr-1414	148	25	cash	cash	NOUN
asfbr-1414	148	26	through	through	ADP
asfbr-1414	148	27	digital	digital	ADJ
asfbr-1414	148	28	financial	financial	ADJ
asfbr-1414	148	29	services	service	NOUN
asfbr-1414	148	30	.	.	PUNCT
asfbr-1414	149	1	the	the	DET
asfbr-1414	149	2	discoveries	discovery	NOUN
asfbr-1414	149	3	negate	negate	VERB
asfbr-1414	149	4	past	past	ADP
asfbr-1414	149	5	research	research	NOUN
asfbr-1414	149	6	,	,	PUNCT
asfbr-1414	149	7	which	which	PRON
asfbr-1414	149	8	found	find	VERB
asfbr-1414	149	9	that	that	SCONJ
asfbr-1414	149	10	buckley	buckley	NOUN
asfbr-1414	149	11	and	and	CCONJ
asfbr-1414	149	12	nurse	nurse	NOUN
asfbr-1414	149	13	(	(	PUNCT
asfbr-1414	149	14	2019	2019	NUM
asfbr-1414	149	15	)	)	PUNCT
asfbr-1414	149	16	seem	seem	VERB
asfbr-1414	149	17	to	to	PART
asfbr-1414	149	18	suggest	suggest	VERB
asfbr-1414	149	19	that	that	SCONJ
asfbr-1414	149	20	unique	unique	ADJ
asfbr-1414	149	21	mark	mark	NOUN
asfbr-1414	149	22	checking	checking	NOUN
asfbr-1414	149	23	(	(	PUNCT
asfbr-1414	149	24	bio	bio	NOUN
asfbr-1414	149	25	metric	metric	PROPN
asfbr-1414	149	26	)	)	PUNCT
asfbr-1414	149	27	is	be	AUX
asfbr-1414	149	28	a	a	DET
asfbr-1414	149	29	broadly	broadly	ADV
asfbr-1414	149	30	utilized	utilize	VERB
asfbr-1414	149	31	verification	verification	NOUN
asfbr-1414	149	32	strategy	strategy	NOUN
asfbr-1414	149	33	in	in	ADP
asfbr-1414	149	34	mobile	mobile	ADJ
asfbr-1414	149	35	banking	banking	NOUN
asfbr-1414	149	36	.	.	PUNCT
asfbr-1414	150	1	perceived	perceive	VERB
asfbr-1414	150	2	risk	risk	NOUN
asfbr-1414	150	3	the	the	DET
asfbr-1414	150	4	risk	risk	NOUN
asfbr-1414	150	5	as	as	SCONJ
asfbr-1414	150	6	predicted	predict	VERB
asfbr-1414	150	7	variable	variable	NOUN
asfbr-1414	150	8	contrarily	contrarily	ADV
asfbr-1414	150	9	affected	affect	VERB
asfbr-1414	150	10	the	the	DET
asfbr-1414	150	11	reception	reception	NOUN
asfbr-1414	150	12	of	of	ADP
asfbr-1414	150	13	digital	digital	ADJ
asfbr-1414	150	14	financial	financial	ADJ
asfbr-1414	150	15	services	service	NOUN
asfbr-1414	150	16	(	(	PUNCT
asfbr-1414	150	17	â	â	X
asfbr-1414	150	18	=	=	SYM
asfbr-1414	150	19	00.124	00.124	NUM
asfbr-1414	150	20	,	,	PUNCT
asfbr-1414	150	21	p	p	X
asfbr-1414	150	22	=	=	PROPN
asfbr-1414	150	23	0.012	0.012	NUM
asfbr-1414	150	24	<	<	NOUN
asfbr-1414	150	25	0.05	0.05	NUM
asfbr-1414	150	26	)	)	PUNCT
asfbr-1414	150	27	,	,	PUNCT
asfbr-1414	150	28	as	as	ADP
asfbr-1414	150	29	per	per	ADP
asfbr-1414	150	30	the	the	DET
asfbr-1414	150	31	hypothesis	hypothesis	NOUN
asfbr-1414	150	32	.	.	PUNCT
asfbr-1414	151	1	different	different	ADJ
asfbr-1414	151	2	researches	research	NOUN
asfbr-1414	151	3	on	on	ADP
asfbr-1414	151	4	risk	risk	NOUN
asfbr-1414	151	5	factor	factor	NOUN
asfbr-1414	151	6	show	show	VERB
asfbr-1414	151	7	that	that	SCONJ
asfbr-1414	151	8	it	it	PRON
asfbr-1414	151	9	has	have	VERB
asfbr-1414	151	10	detrimental	detrimental	ADJ
asfbr-1414	151	11	effect	effect	NOUN
asfbr-1414	151	12	on	on	ADP
asfbr-1414	151	13	the	the	DET
asfbr-1414	151	14	uptake	uptake	NOUN
asfbr-1414	151	15	of	of	ADP
asfbr-1414	151	16	mobile	mobile	ADJ
asfbr-1414	151	17	money	money	NOUN
asfbr-1414	151	18	services	service	NOUN
asfbr-1414	151	19	(	(	PUNCT
asfbr-1414	151	20	marumbwa	marumbwa	PROPN
asfbr-1414	151	21	&	&	CCONJ
asfbr-1414	151	22	mutsikiwa	mutsikiwa	PROPN
asfbr-1414	151	23	,	,	PUNCT
asfbr-1414	151	24	2013	2013	NUM
asfbr-1414	151	25	;	;	PUNCT
asfbr-1414	151	26	dass	dass	PROPN
asfbr-1414	151	27	&	&	CCONJ
asfbr-1414	151	28	pal	pal	NOUN
asfbr-1414	151	29	,	,	PUNCT
asfbr-1414	151	30	2011a	2011a	NUM
asfbr-1414	151	31	;	;	PUNCT
asfbr-1414	151	32	dahlberg	dahlberg	PROPN
asfbr-1414	151	33	,	,	PUNCT
asfbr-1414	151	34	mallat	mallat	ADJ
asfbr-1414	151	35	,	,	PUNCT
asfbr-1414	151	36	&	&	CCONJ
asfbr-1414	151	37	örni	örni	PROPN
asfbr-1414	151	38	,	,	PUNCT
asfbr-1414	151	39	2004	2004	NUM
asfbr-1414	151	40	)	)	PUNCT
asfbr-1414	151	41	support	support	VERB
asfbr-1414	151	42	the	the	DET
asfbr-1414	151	43	legitimacy	legitimacy	NOUN
asfbr-1414	151	44	of	of	ADP
asfbr-1414	151	45	this	this	DET
asfbr-1414	151	46	review	review	NOUN
asfbr-1414	151	47	.	.	PUNCT
asfbr-1414	152	1	perceived	perceive	VERB
asfbr-1414	152	2	cost	cost	NOUN
asfbr-1414	152	3	the	the	DET
asfbr-1414	152	4	past	past	ADJ
asfbr-1414	152	5	discoveries	discovery	NOUN
asfbr-1414	152	6	demonstrated	demonstrate	VERB
asfbr-1414	152	7	that	that	SCONJ
asfbr-1414	152	8	cost	cost	NOUN
asfbr-1414	152	9	had	have	VERB
asfbr-1414	152	10	insignificant	insignificant	ADJ
asfbr-1414	152	11	effect	effect	NOUN
asfbr-1414	152	12	on	on	ADP
asfbr-1414	152	13	the	the	DET
asfbr-1414	152	14	reception	reception	NOUN
asfbr-1414	152	15	of	of	ADP
asfbr-1414	152	16	digital	digital	ADJ
asfbr-1414	152	17	financial	financial	ADJ
asfbr-1414	152	18	services	service	NOUN
asfbr-1414	152	19	at	at	ADP
asfbr-1414	152	20	the	the	DET
asfbr-1414	152	21	p	p	X
asfbr-1414	152	22	>	>	NOUN
asfbr-1414	152	23	0.01	0.01	NUM
asfbr-1414	152	24	significance	significance	NOUN
asfbr-1414	152	25	level	level	NOUN
asfbr-1414	152	26	with	with	ADP
asfbr-1414	152	27	â	â	NOUN
asfbr-1414	152	28	=	=	SYM
asfbr-1414	152	29	0.043	0.043	NUM
asfbr-1414	152	30	.	.	PUNCT
asfbr-1414	153	1	other	other	ADJ
asfbr-1414	153	2	examination	examination	NOUN
asfbr-1414	153	3	(	(	PUNCT
asfbr-1414	153	4	tobbin	tobbin	NOUN
asfbr-1414	153	5	&	&	CCONJ
asfbr-1414	153	6	kuwornu	kuwornu	PROPN
asfbr-1414	153	7	,	,	PUNCT
asfbr-1414	153	8	2011	2011	NUM
asfbr-1414	153	9	;	;	PUNCT
asfbr-1414	153	10	marumbwa	marumbwa	PROPN
asfbr-1414	153	11	&	&	CCONJ
asfbr-1414	153	12	mutsikiwa	mutsikiwa	PROPN
asfbr-1414	153	13	,	,	PUNCT
asfbr-1414	153	14	2013	2013	NUM
asfbr-1414	153	15	;	;	PUNCT
asfbr-1414	153	16	dahlberg	dahlberg	PROPN
asfbr-1414	153	17	,	,	PUNCT
asfbr-1414	153	18	mallat	mallat	ADJ
asfbr-1414	153	19	,	,	PUNCT
asfbr-1414	153	20	&	&	CCONJ
asfbr-1414	153	21	örni	örni	PROPN
asfbr-1414	153	22	,	,	PUNCT
asfbr-1414	153	23	2004	2004	NUM
asfbr-1414	153	24	;	;	PUNCT
asfbr-1414	153	25	dass	dass	PROPN
asfbr-1414	153	26	&	&	CCONJ
asfbr-1414	153	27	pal	pal	NOUN
asfbr-1414	153	28	,	,	PUNCT
asfbr-1414	153	29	2011b	2011b	NUM
asfbr-1414	153	30	)	)	PUNCT
asfbr-1414	153	31	uncovered	uncover	VERB
asfbr-1414	153	32	that	that	SCONJ
asfbr-1414	153	33	cost	cost	NOUN
asfbr-1414	153	34	actually	actually	ADV
asfbr-1414	153	35	affect	affect	VERB
asfbr-1414	153	36	this	this	DET
asfbr-1414	153	37	predicted	predict	VERB
asfbr-1414	153	38	variable	variable	NOUN
asfbr-1414	153	39	.	.	PUNCT
asfbr-1414	154	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	154	2	asian	asian	PROPN
asfbr-1414	154	3	finance	finance	PROPN
asfbr-1414	154	4	&	&	CCONJ
asfbr-1414	154	5	banking	banking	PROPN
asfbr-1414	154	6	review	review	PROPN
asfbr-1414	154	7	vol	vol	NOUN
asfbr-1414	154	8	.	.	PROPN
asfbr-1414	155	1	5	5	NUM
asfbr-1414	155	2	,	,	PUNCT
asfbr-1414	155	3	no	no	INTJ
asfbr-1414	155	4	.	.	NOUN
asfbr-1414	155	5	1	1	NUM
asfbr-1414	155	6	;	;	PUNCT
asfbr-1414	155	7	2021	2021	NUM
asfbr-1414	155	8	48	48	NUM
asfbr-1414	155	9	data	datum	NOUN
asfbr-1414	155	10	analysis	analysis	NOUN
asfbr-1414	155	11	of	of	ADP
asfbr-1414	155	12	secondary	secondary	ADJ
asfbr-1414	155	13	data	data	NOUN
asfbr-1414	155	14	economic	economic	ADJ
asfbr-1414	155	15	impact	impact	NOUN
asfbr-1414	155	16	of	of	ADP
asfbr-1414	155	17	mobile	mobile	ADJ
asfbr-1414	155	18	financial	financial	ADJ
asfbr-1414	155	19	services	service	NOUN
asfbr-1414	155	20	the	the	DET
asfbr-1414	155	21	boston	boston	PROPN
asfbr-1414	155	22	advisory	advisory	PROPN
asfbr-1414	155	23	group	group	NOUN
asfbr-1414	155	24	(	(	PUNCT
asfbr-1414	155	25	bcg	bcg	PROPN
asfbr-1414	155	26	)	)	PUNCT
asfbr-1414	155	27	examines	examine	VERB
asfbr-1414	155	28	the	the	DET
asfbr-1414	155	29	impact	impact	NOUN
asfbr-1414	155	30	of	of	ADP
asfbr-1414	155	31	mobile	mobile	ADJ
asfbr-1414	155	32	money	money	NOUN
asfbr-1414	155	33	in	in	ADP
asfbr-1414	155	34	emerging	emerge	VERB
asfbr-1414	155	35	economies	economy	NOUN
asfbr-1414	155	36	,	,	PUNCT
asfbr-1414	155	37	particularly	particularly	ADV
asfbr-1414	155	38	how	how	SCONJ
asfbr-1414	155	39	having	have	VERB
asfbr-1414	155	40	access	access	NOUN
asfbr-1414	155	41	to	to	ADP
asfbr-1414	155	42	bank	bank	NOUN
asfbr-1414	155	43	accounts	account	NOUN
asfbr-1414	155	44	and	and	CCONJ
asfbr-1414	155	45	credits	credit	NOUN
asfbr-1414	155	46	will	will	AUX
asfbr-1414	155	47	change	change	VERB
asfbr-1414	155	48	the	the	DET
asfbr-1414	155	49	way	way	NOUN
asfbr-1414	155	50	people	people	NOUN
asfbr-1414	155	51	live	live	VERB
asfbr-1414	155	52	,	,	PUNCT
asfbr-1414	155	53	work	work	VERB
asfbr-1414	155	54	and	and	CCONJ
asfbr-1414	155	55	develop	develop	VERB
asfbr-1414	155	56	over	over	ADP
asfbr-1414	155	57	the	the	DET
asfbr-1414	155	58	years	year	NOUN
asfbr-1414	155	59	.	.	PUNCT
asfbr-1414	156	1	to	to	PART
asfbr-1414	156	2	guide	guide	VERB
asfbr-1414	156	3	this	this	DET
asfbr-1414	156	4	study	study	NOUN
asfbr-1414	156	5	,	,	PUNCT
asfbr-1414	156	6	the	the	DET
asfbr-1414	156	7	forecast	forecast	NOUN
asfbr-1414	156	8	from	from	ADP
asfbr-1414	156	9	bcg	bcg	PROPN
asfbr-1414	156	10	was	be	AUX
asfbr-1414	156	11	used	use	VERB
asfbr-1414	156	12	to	to	PART
asfbr-1414	156	13	analyze	analyze	VERB
asfbr-1414	156	14	what	what	PRON
asfbr-1414	156	15	the	the	DET
asfbr-1414	156	16	picture	picture	NOUN
asfbr-1414	156	17	would	would	AUX
asfbr-1414	156	18	look	look	VERB
asfbr-1414	156	19	like	like	ADP
asfbr-1414	156	20	by	by	ADP
asfbr-1414	156	21	2020	2020	NUM
asfbr-1414	156	22	.	.	PUNCT
asfbr-1414	157	1	based	base	VERB
asfbr-1414	157	2	on	on	ADP
asfbr-1414	157	3	bcg	bcg	PROPN
asfbr-1414	157	4	forecast	forecast	PROPN
asfbr-1414	157	5	,	,	PUNCT
asfbr-1414	157	6	mobile	mobile	ADJ
asfbr-1414	157	7	banking	banking	NOUN
asfbr-1414	157	8	activity	activity	NOUN
asfbr-1414	157	9	could	could	AUX
asfbr-1414	157	10	reduce	reduce	VERB
asfbr-1414	157	11	financial	financial	ADJ
asfbr-1414	157	12	exclusion	exclusion	NOUN
asfbr-1414	157	13	by	by	ADP
asfbr-1414	157	14	5	5	NUM
asfbr-1414	157	15	-	-	SYM
asfbr-1414	157	16	20	20	NUM
asfbr-1414	157	17	%	%	NOUN
asfbr-1414	157	18	by	by	ADP
asfbr-1414	157	19	2020	2020	NUM
asfbr-1414	157	20	.	.	PUNCT
asfbr-1414	158	1	impact	impact	NOUN
asfbr-1414	158	2	on	on	ADP
asfbr-1414	158	3	gdp	gdp	NOUN
asfbr-1414	158	4	figure	figure	NOUN
asfbr-1414	158	5	1	1	NUM
asfbr-1414	158	6	.	.	PUNCT
asfbr-1414	158	7	impact	impact	NOUN
asfbr-1414	158	8	on	on	ADP
asfbr-1414	158	9	gdp	gdp	PROPN
asfbr-1414	158	10	(	(	PUNCT
asfbr-1414	158	11	saskatoon	saskatoon	PROPN
asfbr-1414	158	12	,	,	PUNCT
asfbr-1414	158	13	2018	2018	NUM
asfbr-1414	158	14	)	)	PUNCT
asfbr-1414	158	15	there	there	PRON
asfbr-1414	158	16	is	be	VERB
asfbr-1414	158	17	good	good	ADJ
asfbr-1414	158	18	evidence	evidence	NOUN
asfbr-1414	158	19	that	that	PRON
asfbr-1414	158	20	increased	increase	VERB
asfbr-1414	158	21	investment	investment	NOUN
asfbr-1414	158	22	contributes	contribute	VERB
asfbr-1414	158	23	to	to	ADP
asfbr-1414	158	24	gdp	gdp	NOUN
asfbr-1414	158	25	.	.	PUNCT
asfbr-1414	159	1	as	as	SCONJ
asfbr-1414	159	2	entrepreneurs	entrepreneur	NOUN
asfbr-1414	159	3	with	with	ADP
asfbr-1414	159	4	a	a	DET
asfbr-1414	159	5	good	good	ADJ
asfbr-1414	159	6	business	business	NOUN
asfbr-1414	159	7	idea	idea	NOUN
asfbr-1414	159	8	get	get	VERB
asfbr-1414	159	9	loans	loan	NOUN
asfbr-1414	159	10	,	,	PUNCT
asfbr-1414	159	11	the	the	DET
asfbr-1414	159	12	economy	economy	NOUN
asfbr-1414	159	13	grows	grow	VERB
asfbr-1414	159	14	and	and	CCONJ
asfbr-1414	159	15	creates	create	VERB
asfbr-1414	159	16	jobs	job	NOUN
asfbr-1414	159	17	.	.	PUNCT
asfbr-1414	160	1	a	a	DET
asfbr-1414	160	2	productive	productive	ADJ
asfbr-1414	160	3	society	society	NOUN
asfbr-1414	160	4	means	mean	VERB
asfbr-1414	160	5	many	many	ADJ
asfbr-1414	160	6	new	new	ADJ
asfbr-1414	160	7	businesses	business	NOUN
asfbr-1414	160	8	and	and	CCONJ
asfbr-1414	160	9	new	new	ADJ
asfbr-1414	160	10	jobs	job	NOUN
asfbr-1414	160	11	.	.	PUNCT
asfbr-1414	161	1	with	with	ADP
asfbr-1414	161	2	mobile	mobile	ADJ
asfbr-1414	161	3	money	money	NOUN
asfbr-1414	161	4	services	service	NOUN
asfbr-1414	161	5	,	,	PUNCT
asfbr-1414	161	6	by	by	ADP
asfbr-1414	161	7	adopting	adopt	VERB
asfbr-1414	161	8	services	service	NOUN
asfbr-1414	161	9	,	,	PUNCT
asfbr-1414	161	10	pakistan	pakistan	PROPN
asfbr-1414	161	11	's	's	PART
asfbr-1414	161	12	gdp	gdp	NOUN
asfbr-1414	161	13	could	could	AUX
asfbr-1414	161	14	grow	grow	VERB
asfbr-1414	161	15	by	by	ADP
asfbr-1414	161	16	$	$	SYM
asfbr-1414	161	17	20	20	NUM
asfbr-1414	161	18	billion	billion	NUM
asfbr-1414	161	19	,	,	PUNCT
asfbr-1414	161	20	or	or	CCONJ
asfbr-1414	161	21	3	3	NUM
asfbr-1414	161	22	%	%	NOUN
asfbr-1414	161	23	by	by	ADP
asfbr-1414	161	24	2020	2020	NUM
asfbr-1414	161	25	.	.	PUNCT
asfbr-1414	162	1	in	in	ADP
asfbr-1414	162	2	addition	addition	NOUN
asfbr-1414	162	3	,	,	PUNCT
asfbr-1414	162	4	there	there	PRON
asfbr-1414	162	5	is	be	VERB
asfbr-1414	162	6	a	a	DET
asfbr-1414	162	7	kind	kind	NOUN
asfbr-1414	162	8	of	of	ADP
asfbr-1414	162	9	accounting	accounting	NOUN
asfbr-1414	162	10	benefit	benefit	NOUN
asfbr-1414	162	11	of	of	ADP
asfbr-1414	162	12	saving	save	VERB
asfbr-1414	162	13	money	money	NOUN
asfbr-1414	162	14	in	in	ADP
asfbr-1414	162	15	the	the	DET
asfbr-1414	162	16	banking	banking	NOUN
asfbr-1414	162	17	system	system	NOUN
asfbr-1414	162	18	,	,	PUNCT
asfbr-1414	162	19	as	as	SCONJ
asfbr-1414	162	20	this	this	PRON
asfbr-1414	162	21	would	would	AUX
asfbr-1414	162	22	promote	promote	VERB
asfbr-1414	162	23	the	the	DET
asfbr-1414	162	24	creation	creation	NOUN
asfbr-1414	162	25	of	of	ADP
asfbr-1414	162	26	other	other	ADJ
asfbr-1414	162	27	credits	credit	NOUN
asfbr-1414	162	28	and	and	CCONJ
asfbr-1414	162	29	investments	investment	NOUN
asfbr-1414	162	30	.	.	PUNCT
asfbr-1414	163	1	new	new	ADJ
asfbr-1414	163	2	job	job	NOUN
asfbr-1414	163	3	creation	creation	NOUN
asfbr-1414	163	4	figure	figure	NOUN
asfbr-1414	163	5	2	2	NUM
asfbr-1414	163	6	.	.	PUNCT
asfbr-1414	163	7	new	new	ADJ
asfbr-1414	163	8	job	job	NOUN
asfbr-1414	163	9	creation	creation	NOUN
asfbr-1414	163	10	(	(	PUNCT
asfbr-1414	163	11	saskatoon	saskatoon	NOUN
asfbr-1414	163	12	,	,	PUNCT
asfbr-1414	163	13	2018	2018	NUM
asfbr-1414	163	14	)	)	PUNCT
asfbr-1414	163	15	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	163	16	asian	asian	PROPN
asfbr-1414	163	17	finance	finance	PROPN
asfbr-1414	163	18	&	&	CCONJ
asfbr-1414	163	19	banking	banking	PROPN
asfbr-1414	163	20	review	review	PROPN
asfbr-1414	163	21	vol	vol	NOUN
asfbr-1414	163	22	.	.	PROPN
asfbr-1414	163	23	5	5	NUM
asfbr-1414	163	24	,	,	PUNCT
asfbr-1414	163	25	no	no	INTJ
asfbr-1414	163	26	.	.	NOUN
asfbr-1414	163	27	1	1	NUM
asfbr-1414	163	28	;	;	PUNCT
asfbr-1414	163	29	2021	2021	NUM
asfbr-1414	163	30	49	49	NUM
asfbr-1414	163	31	by	by	ADP
asfbr-1414	163	32	2020	2020	NUM
asfbr-1414	163	33	,	,	PUNCT
asfbr-1414	163	34	if	if	SCONJ
asfbr-1414	163	35	mfs	mf	VERB
asfbr-1414	163	36	adoption	adoption	NOUN
asfbr-1414	163	37	increases	increase	VERB
asfbr-1414	163	38	by	by	ADP
asfbr-1414	163	39	20	20	NUM
asfbr-1414	163	40	%	%	NOUN
asfbr-1414	163	41	,	,	PUNCT
asfbr-1414	163	42	600,000	600,000	NUM
asfbr-1414	163	43	new	new	ADJ
asfbr-1414	163	44	businesses	business	NOUN
asfbr-1414	163	45	could	could	AUX
asfbr-1414	163	46	be	be	AUX
asfbr-1414	163	47	created	create	VERB
asfbr-1414	163	48	,	,	PUNCT
asfbr-1414	163	49	creating	create	VERB
asfbr-1414	163	50	1	1	NUM
asfbr-1414	163	51	million	million	NUM
asfbr-1414	163	52	new	new	ADJ
asfbr-1414	163	53	jobs	job	NOUN
asfbr-1414	163	54	,	,	PUNCT
asfbr-1414	163	55	an	an	DET
asfbr-1414	163	56	increase	increase	NOUN
asfbr-1414	163	57	of	of	ADP
asfbr-1414	163	58	1.3	1.3	NUM
asfbr-1414	163	59	%	%	NOUN
asfbr-1414	163	60	.	.	PUNCT
asfbr-1414	164	1	that	that	PRON
asfbr-1414	164	2	is	be	AUX
asfbr-1414	164	3	equivalent	equivalent	ADJ
asfbr-1414	164	4	to	to	ADP
asfbr-1414	164	5	new	new	ADJ
asfbr-1414	164	6	jobs	job	NOUN
asfbr-1414	164	7	for	for	ADP
asfbr-1414	164	8	1	1	NUM
asfbr-1414	164	9	out	out	ADP
asfbr-1414	164	10	of	of	ADP
asfbr-1414	164	11	every	every	DET
asfbr-1414	164	12	10	10	NUM
asfbr-1414	164	13	pakistanis	pakistanis	PROPN
asfbr-1414	164	14	currently	currently	ADV
asfbr-1414	164	15	unemployed	unemployed	ADJ
asfbr-1414	164	16	.	.	PUNCT
asfbr-1414	165	1	tax	tax	NOUN
asfbr-1414	165	2	revenue	revenue	NOUN
asfbr-1414	165	3	growth	growth	NOUN
asfbr-1414	165	4	figure	figure	NOUN
asfbr-1414	165	5	3	3	NUM
asfbr-1414	165	6	.	.	PUNCT
asfbr-1414	165	7	tax	tax	NOUN
asfbr-1414	165	8	revenue	revenue	NOUN
asfbr-1414	165	9	growth	growth	NOUN
asfbr-1414	165	10	(	(	PUNCT
asfbr-1414	165	11	boston	boston	PROPN
asfbr-1414	165	12	,	,	PUNCT
asfbr-1414	165	13	2011	2011	NUM
asfbr-1414	165	14	)	)	PUNCT
asfbr-1414	165	15	the	the	DET
asfbr-1414	165	16	benefits	benefit	NOUN
asfbr-1414	165	17	of	of	ADP
asfbr-1414	165	18	economic	economic	ADJ
asfbr-1414	165	19	growth	growth	NOUN
asfbr-1414	165	20	stimulated	stimulate	VERB
asfbr-1414	165	21	by	by	ADP
asfbr-1414	165	22	mfs	mfs	NOUN
asfbr-1414	165	23	would	would	AUX
asfbr-1414	165	24	increase	increase	VERB
asfbr-1414	165	25	in	in	ADP
asfbr-1414	165	26	tax	tax	NOUN
asfbr-1414	165	27	revenue	revenue	NOUN
asfbr-1414	165	28	.	.	PUNCT
asfbr-1414	166	1	corporate	corporate	ADJ
asfbr-1414	166	2	taxes	taxis	NOUN
asfbr-1414	166	3	could	could	AUX
asfbr-1414	166	4	rise	rise	VERB
asfbr-1414	166	5	due	due	ADP
asfbr-1414	166	6	to	to	ADP
asfbr-1414	166	7	the	the	DET
asfbr-1414	166	8	creation	creation	NOUN
asfbr-1414	166	9	of	of	ADP
asfbr-1414	166	10	new	new	ADJ
asfbr-1414	166	11	businesses	business	NOUN
asfbr-1414	166	12	along	along	ADP
asfbr-1414	166	13	the	the	DET
asfbr-1414	166	14	mfs	mfs	NOUN
asfbr-1414	166	15	value	value	NOUN
asfbr-1414	166	16	chain	chain	NOUN
asfbr-1414	166	17	,	,	PUNCT
asfbr-1414	166	18	increasing	increase	VERB
asfbr-1414	166	19	profits	profit	NOUN
asfbr-1414	166	20	in	in	ADP
asfbr-1414	166	21	existing	exist	VERB
asfbr-1414	166	22	businesses	business	NOUN
asfbr-1414	166	23	through	through	ADP
asfbr-1414	166	24	savings	saving	NOUN
asfbr-1414	166	25	from	from	ADP
asfbr-1414	166	26	mfs	mfs	PROPN
asfbr-1414	166	27	,	,	PUNCT
asfbr-1414	166	28	and	and	CCONJ
asfbr-1414	166	29	expanding	expand	VERB
asfbr-1414	166	30	the	the	DET
asfbr-1414	166	31	business	business	NOUN
asfbr-1414	166	32	made	make	VERB
asfbr-1414	166	33	possible	possible	ADJ
asfbr-1414	166	34	by	by	ADP
asfbr-1414	166	35	mfs	mfs	PROPN
asfbr-1414	166	36	.	.	PUNCT
asfbr-1414	167	1	this	this	DET
asfbr-1414	167	2	growth	growth	NOUN
asfbr-1414	167	3	in	in	ADP
asfbr-1414	167	4	business	business	NOUN
asfbr-1414	167	5	creation	creation	NOUN
asfbr-1414	167	6	could	could	AUX
asfbr-1414	167	7	create	create	VERB
asfbr-1414	167	8	new	new	ADJ
asfbr-1414	167	9	jobs	job	NOUN
asfbr-1414	167	10	,	,	PUNCT
asfbr-1414	167	11	which	which	PRON
asfbr-1414	167	12	means	mean	VERB
asfbr-1414	167	13	higher	high	ADJ
asfbr-1414	167	14	taxes	taxis	NOUN
asfbr-1414	167	15	and	and	CCONJ
asfbr-1414	167	16	income	income	NOUN
asfbr-1414	167	17	for	for	ADP
asfbr-1414	167	18	employees	employee	NOUN
asfbr-1414	167	19	.	.	PUNCT
asfbr-1414	168	1	mfs	mfs	NOUN
asfbr-1414	168	2	could	could	AUX
asfbr-1414	168	3	add	add	VERB
asfbr-1414	168	4	$	$	SYM
asfbr-1414	168	5	2	2	NUM
asfbr-1414	168	6	billion	billion	NUM
asfbr-1414	168	7	annually	annually	ADV
asfbr-1414	168	8	to	to	ADP
asfbr-1414	168	9	pakistan	pakistan	PROPN
asfbr-1414	168	10	’s	’s	PART
asfbr-1414	168	11	government	government	NOUN
asfbr-1414	168	12	budget	budget	NOUN
asfbr-1414	168	13	by	by	ADP
asfbr-1414	168	14	2020	2020	NUM
asfbr-1414	168	15	,	,	PUNCT
asfbr-1414	168	16	an	an	DET
asfbr-1414	168	17	increase	increase	NOUN
asfbr-1414	168	18	of	of	ADP
asfbr-1414	168	19	3	3	NUM
asfbr-1414	168	20	%	%	NOUN
asfbr-1414	168	21	.	.	PUNCT
asfbr-1414	169	1	discussion	discussion	NOUN
asfbr-1414	169	2	of	of	ADP
asfbr-1414	169	3	the	the	DET
asfbr-1414	169	4	results	result	NOUN
asfbr-1414	169	5	on	on	ADP
asfbr-1414	169	6	the	the	DET
asfbr-1414	169	7	basis	basis	NOUN
asfbr-1414	169	8	of	of	ADP
asfbr-1414	169	9	hypothesis	hypothesis	NOUN
asfbr-1414	169	10	the	the	DET
asfbr-1414	169	11	variables	variable	NOUN
asfbr-1414	169	12	were	be	AUX
asfbr-1414	169	13	tested	test	VERB
asfbr-1414	169	14	,	,	PUNCT
asfbr-1414	169	15	results	result	NOUN
asfbr-1414	169	16	of	of	ADP
asfbr-1414	169	17	variables	variable	NOUN
asfbr-1414	169	18	like	like	ADP
asfbr-1414	169	19	perceived	perceive	VERB
asfbr-1414	169	20	trust	trust	NOUN
asfbr-1414	169	21	,	,	PUNCT
asfbr-1414	169	22	convenience	convenience	NOUN
asfbr-1414	169	23	and	and	CCONJ
asfbr-1414	169	24	perceived	perceive	VERB
asfbr-1414	169	25	risk	risk	NOUN
asfbr-1414	169	26	found	find	VERB
asfbr-1414	169	27	consistent	consistent	ADJ
asfbr-1414	169	28	with	with	ADP
asfbr-1414	169	29	earlier	early	ADJ
asfbr-1414	169	30	studies	study	NOUN
asfbr-1414	169	31	and	and	CCONJ
asfbr-1414	169	32	other	other	ADJ
asfbr-1414	169	33	variables	variable	NOUN
asfbr-1414	169	34	like	like	ADP
asfbr-1414	169	35	reliability	reliability	NOUN
asfbr-1414	169	36	and	and	CCONJ
asfbr-1414	169	37	perceived	perceive	VERB
asfbr-1414	169	38	cost	cost	NOUN
asfbr-1414	169	39	found	find	VERB
asfbr-1414	169	40	to	to	PART
asfbr-1414	169	41	have	have	VERB
asfbr-1414	169	42	no	no	DET
asfbr-1414	169	43	significant	significant	ADJ
asfbr-1414	169	44	impact	impact	NOUN
asfbr-1414	169	45	on	on	ADP
asfbr-1414	169	46	the	the	DET
asfbr-1414	169	47	adoption	adoption	NOUN
asfbr-1414	169	48	of	of	ADP
asfbr-1414	169	49	mobile	mobile	ADJ
asfbr-1414	169	50	financial	financial	ADJ
asfbr-1414	169	51	services	service	NOUN
asfbr-1414	169	52	as	as	SCONJ
asfbr-1414	169	53	their	their	PRON
asfbr-1414	169	54	p	p	NOUN
asfbr-1414	169	55	value	value	NOUN
asfbr-1414	169	56	is	be	AUX
asfbr-1414	169	57	greater	great	ADJ
asfbr-1414	169	58	than	than	SCONJ
asfbr-1414	169	59	0.05.similarly	0.05.similarly	ADJ
asfbr-1414	169	60	data	datum	NOUN
asfbr-1414	169	61	related	relate	VERB
asfbr-1414	169	62	to	to	ADP
asfbr-1414	169	63	economic	economic	ADJ
asfbr-1414	169	64	impact	impact	NOUN
asfbr-1414	169	65	of	of	ADP
asfbr-1414	169	66	mobile	mobile	ADJ
asfbr-1414	169	67	financial	financial	ADJ
asfbr-1414	169	68	services	service	NOUN
asfbr-1414	169	69	is	be	AUX
asfbr-1414	169	70	also	also	ADV
asfbr-1414	169	71	consistent	consistent	ADJ
asfbr-1414	169	72	with	with	ADP
asfbr-1414	169	73	earlier	early	ADJ
asfbr-1414	169	74	studies	study	NOUN
asfbr-1414	169	75	indicating	indicate	VERB
asfbr-1414	169	76	the	the	DET
asfbr-1414	169	77	acceptance	acceptance	NOUN
asfbr-1414	169	78	of	of	ADP
asfbr-1414	169	79	alternative	alternative	ADJ
asfbr-1414	169	80	hypothesis	hypothesis	NOUN
asfbr-1414	169	81	.	.	PUNCT
asfbr-1414	170	1	scope	scope	NOUN
asfbr-1414	170	2	for	for	ADP
asfbr-1414	170	3	future	future	ADJ
asfbr-1414	170	4	research	research	NOUN
asfbr-1414	170	5	social	social	ADJ
asfbr-1414	170	6	factors	factor	NOUN
asfbr-1414	170	7	such	such	ADJ
asfbr-1414	170	8	as	as	ADP
asfbr-1414	170	9	race	race	NOUN
asfbr-1414	170	10	,	,	PUNCT
asfbr-1414	170	11	age	age	NOUN
asfbr-1414	170	12	,	,	PUNCT
asfbr-1414	170	13	gender	gender	NOUN
asfbr-1414	170	14	and	and	CCONJ
asfbr-1414	170	15	culture	culture	NOUN
asfbr-1414	170	16	in	in	ADP
asfbr-1414	170	17	the	the	DET
asfbr-1414	170	18	acceptance	acceptance	NOUN
asfbr-1414	170	19	of	of	ADP
asfbr-1414	170	20	mobile	mobile	ADJ
asfbr-1414	170	21	banking	banking	NOUN
asfbr-1414	170	22	services	service	NOUN
asfbr-1414	170	23	have	have	AUX
asfbr-1414	170	24	not	not	PART
asfbr-1414	170	25	been	be	AUX
asfbr-1414	170	26	studied	study	VERB
asfbr-1414	170	27	.	.	PUNCT
asfbr-1414	171	1	according	accord	VERB
asfbr-1414	171	2	to	to	ADP
asfbr-1414	171	3	lee	lee	PROPN
asfbr-1414	171	4	(	(	PUNCT
asfbr-1414	171	5	2009	2009	NUM
asfbr-1414	171	6	)	)	PUNCT
asfbr-1414	171	7	,	,	PUNCT
asfbr-1414	171	8	the	the	DET
asfbr-1414	171	9	cognitive	cognitive	ADJ
asfbr-1414	171	10	propensity	propensity	NOUN
asfbr-1414	171	11	of	of	ADP
asfbr-1414	171	12	individuals	individual	NOUN
asfbr-1414	171	13	to	to	PART
asfbr-1414	171	14	risk	risk	VERB
asfbr-1414	171	15	varies	varie	NOUN
asfbr-1414	171	16	between	between	ADP
asfbr-1414	171	17	cultures	culture	NOUN
asfbr-1414	171	18	,	,	PUNCT
asfbr-1414	171	19	and	and	CCONJ
asfbr-1414	171	20	various	various	ADJ
asfbr-1414	171	21	demographic	demographic	ADJ
asfbr-1414	171	22	characteristics	characteristic	NOUN
asfbr-1414	171	23	have	have	VERB
asfbr-1414	171	24	interrelationships	interrelationship	NOUN
asfbr-1414	171	25	that	that	PRON
asfbr-1414	171	26	may	may	AUX
asfbr-1414	171	27	influence	influence	VERB
asfbr-1414	171	28	mobile	mobile	ADJ
asfbr-1414	171	29	financial	financial	ADJ
asfbr-1414	171	30	services	service	NOUN
asfbr-1414	171	31	uptake	uptake	ADJ
asfbr-1414	171	32	.	.	PUNCT
asfbr-1414	172	1	this	this	PRON
asfbr-1414	172	2	implies	imply	VERB
asfbr-1414	172	3	that	that	SCONJ
asfbr-1414	172	4	cultural	cultural	ADJ
asfbr-1414	172	5	differences	difference	NOUN
asfbr-1414	172	6	may	may	AUX
asfbr-1414	172	7	influence	influence	VERB
asfbr-1414	172	8	client	client	NOUN
asfbr-1414	172	9	adoption	adoption	NOUN
asfbr-1414	172	10	of	of	ADP
asfbr-1414	172	11	mobile	mobile	ADJ
asfbr-1414	172	12	banking	banking	NOUN
asfbr-1414	172	13	.	.	PUNCT
asfbr-1414	173	1	again	again	ADV
asfbr-1414	173	2	,	,	PUNCT
asfbr-1414	173	3	because	because	SCONJ
asfbr-1414	173	4	the	the	DET
asfbr-1414	173	5	majority	majority	NOUN
asfbr-1414	173	6	of	of	ADP
asfbr-1414	173	7	participants	participant	NOUN
asfbr-1414	173	8	were	be	AUX
asfbr-1414	173	9	from	from	ADP
asfbr-1414	173	10	karachi	karachi	PROPN
asfbr-1414	173	11	,	,	PUNCT
asfbr-1414	173	12	this	this	DET
asfbr-1414	173	13	poll	poll	NOUN
asfbr-1414	173	14	was	be	AUX
asfbr-1414	173	15	restricted	restrict	VERB
asfbr-1414	173	16	to	to	ADP
asfbr-1414	173	17	adults	adult	NOUN
asfbr-1414	173	18	aged	aged	ADJ
asfbr-1414	173	19	18	18	NUM
asfbr-1414	173	20	to	to	PART
asfbr-1414	173	21	30	30	NUM
asfbr-1414	173	22	.	.	PUNCT
asfbr-1414	173	23	including	include	VERB
asfbr-1414	173	24	people	people	NOUN
asfbr-1414	173	25	of	of	ADP
asfbr-1414	173	26	diverse	diverse	ADJ
asfbr-1414	173	27	ages	age	NOUN
asfbr-1414	173	28	from	from	ADP
asfbr-1414	173	29	both	both	CCONJ
asfbr-1414	173	30	the	the	DET
asfbr-1414	173	31	city	city	NOUN
asfbr-1414	173	32	and	and	CCONJ
asfbr-1414	173	33	the	the	DET
asfbr-1414	173	34	villages	village	NOUN
asfbr-1414	173	35	may	may	AUX
asfbr-1414	173	36	result	result	VERB
asfbr-1414	173	37	in	in	ADP
asfbr-1414	173	38	more	more	ADV
asfbr-1414	173	39	accurate	accurate	ADJ
asfbr-1414	173	40	results	result	NOUN
asfbr-1414	173	41	.	.	PUNCT
asfbr-1414	174	1	nonetheless	nonetheless	ADV
asfbr-1414	174	2	,	,	PUNCT
asfbr-1414	174	3	the	the	DET
asfbr-1414	174	4	risk	risk	NOUN
asfbr-1414	174	5	and	and	CCONJ
asfbr-1414	174	6	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	ADJ
asfbr-1414	174	7	asian	asian	ADJ
asfbr-1414	174	8	finance	finance	PROPN
asfbr-1414	174	9	&	&	CCONJ
asfbr-1414	174	10	banking	banking	PROPN
asfbr-1414	174	11	review	review	PROPN
asfbr-1414	174	12	vol	vol	NOUN
asfbr-1414	174	13	.	.	PROPN
asfbr-1414	174	14	5	5	NUM
asfbr-1414	174	15	,	,	PUNCT
asfbr-1414	174	16	no	no	INTJ
asfbr-1414	174	17	.	.	NOUN
asfbr-1414	174	18	1	1	NUM
asfbr-1414	174	19	;	;	PUNCT
asfbr-1414	174	20	2021	2021	NUM
asfbr-1414	174	21	50	50	NUM
asfbr-1414	174	22	trust	trust	NOUN
asfbr-1414	174	23	issues	issue	NOUN
asfbr-1414	174	24	demand	demand	VERB
asfbr-1414	174	25	a	a	DET
asfbr-1414	174	26	more	more	ADJ
asfbr-1414	174	27	in	in	ADP
asfbr-1414	174	28	-	-	PUNCT
asfbr-1414	174	29	depth	depth	NOUN
asfbr-1414	174	30	examination	examination	NOUN
asfbr-1414	174	31	in	in	ADP
asfbr-1414	174	32	order	order	NOUN
asfbr-1414	174	33	to	to	PART
asfbr-1414	174	34	popularise	popularise	VERB
asfbr-1414	174	35	mobile	mobile	ADJ
asfbr-1414	174	36	banking	banking	NOUN
asfbr-1414	174	37	throughout	throughout	ADP
asfbr-1414	174	38	the	the	DET
asfbr-1414	174	39	country	country	NOUN
asfbr-1414	174	40	.	.	PUNCT
asfbr-1414	175	1	because	because	SCONJ
asfbr-1414	175	2	secondary	secondary	ADJ
asfbr-1414	175	3	data	datum	NOUN
asfbr-1414	175	4	on	on	ADP
asfbr-1414	175	5	the	the	DET
asfbr-1414	175	6	economic	economic	ADJ
asfbr-1414	175	7	impact	impact	NOUN
asfbr-1414	175	8	of	of	ADP
asfbr-1414	175	9	mobile	mobile	ADJ
asfbr-1414	175	10	financial	financial	ADJ
asfbr-1414	175	11	services	service	NOUN
asfbr-1414	175	12	was	be	AUX
asfbr-1414	175	13	predictive	predictive	ADJ
asfbr-1414	175	14	,	,	PUNCT
asfbr-1414	175	15	self	self	NOUN
asfbr-1414	175	16	-	-	PUNCT
asfbr-1414	175	17	collected	collect	VERB
asfbr-1414	175	18	/	/	SYM
asfbr-1414	175	19	primary	primary	ADJ
asfbr-1414	175	20	data	datum	NOUN
asfbr-1414	175	21	should	should	AUX
asfbr-1414	175	22	be	be	AUX
asfbr-1414	175	23	employed	employ	VERB
asfbr-1414	175	24	in	in	ADP
asfbr-1414	175	25	future	future	ADJ
asfbr-1414	175	26	studies	study	NOUN
asfbr-1414	175	27	to	to	PART
asfbr-1414	175	28	make	make	VERB
asfbr-1414	175	29	the	the	DET
asfbr-1414	175	30	results	result	NOUN
asfbr-1414	175	31	more	more	ADV
asfbr-1414	175	32	precise	precise	ADJ
asfbr-1414	175	33	.	.	PUNCT
asfbr-1414	176	1	conclusion	conclusion	NOUN
asfbr-1414	176	2	this	this	DET
asfbr-1414	176	3	study	study	NOUN
asfbr-1414	176	4	was	be	AUX
asfbr-1414	176	5	successful	successful	ADJ
asfbr-1414	176	6	in	in	ADP
asfbr-1414	176	7	identifying	identify	VERB
asfbr-1414	176	8	the	the	DET
asfbr-1414	176	9	factors	factor	NOUN
asfbr-1414	176	10	influencing	influence	VERB
asfbr-1414	176	11	the	the	DET
asfbr-1414	176	12	use	use	NOUN
asfbr-1414	176	13	of	of	ADP
asfbr-1414	176	14	mobile	mobile	ADJ
asfbr-1414	176	15	banking	banking	NOUN
asfbr-1414	176	16	in	in	ADP
asfbr-1414	176	17	pakistan	pakistan	PROPN
asfbr-1414	176	18	.	.	PUNCT
asfbr-1414	177	1	according	accord	VERB
asfbr-1414	177	2	to	to	ADP
asfbr-1414	177	3	the	the	DET
asfbr-1414	177	4	conclusions	conclusion	NOUN
asfbr-1414	177	5	of	of	ADP
asfbr-1414	177	6	this	this	DET
asfbr-1414	177	7	study	study	NOUN
asfbr-1414	177	8	,	,	PUNCT
asfbr-1414	177	9	perceived	perceive	VERB
asfbr-1414	177	10	risks	risk	NOUN
asfbr-1414	177	11	,	,	PUNCT
asfbr-1414	177	12	trust	trust	NOUN
asfbr-1414	177	13	,	,	PUNCT
asfbr-1414	177	14	and	and	CCONJ
asfbr-1414	177	15	convenience	convenience	NOUN
asfbr-1414	177	16	are	be	AUX
asfbr-1414	177	17	the	the	DET
asfbr-1414	177	18	factors	factor	NOUN
asfbr-1414	177	19	impacting	impact	VERB
asfbr-1414	177	20	mobile	mobile	ADJ
asfbr-1414	177	21	users	user	NOUN
asfbr-1414	177	22	'	'	PART
asfbr-1414	177	23	behavioral	behavioral	ADJ
asfbr-1414	177	24	intention	intention	NOUN
asfbr-1414	177	25	to	to	PART
asfbr-1414	177	26	use	use	VERB
asfbr-1414	177	27	mobile	mobile	ADJ
asfbr-1414	177	28	financial	financial	ADJ
asfbr-1414	177	29	services	service	NOUN
asfbr-1414	177	30	in	in	ADP
asfbr-1414	177	31	pakistan	pakistan	PROPN
asfbr-1414	177	32	.	.	PUNCT
asfbr-1414	178	1	as	as	ADP
asfbr-1414	178	2	a	a	DET
asfbr-1414	178	3	result	result	NOUN
asfbr-1414	178	4	of	of	ADP
asfbr-1414	178	5	this	this	DET
asfbr-1414	178	6	research	research	NOUN
asfbr-1414	178	7	,	,	PUNCT
asfbr-1414	178	8	banks	bank	NOUN
asfbr-1414	178	9	,	,	PUNCT
asfbr-1414	178	10	service	service	NOUN
asfbr-1414	178	11	providers	provider	NOUN
asfbr-1414	178	12	,	,	PUNCT
asfbr-1414	178	13	and	and	CCONJ
asfbr-1414	178	14	software	software	NOUN
asfbr-1414	178	15	developers	developer	NOUN
asfbr-1414	178	16	now	now	ADV
asfbr-1414	178	17	have	have	VERB
asfbr-1414	178	18	more	more	ADJ
asfbr-1414	178	19	knowledge	knowledge	NOUN
asfbr-1414	178	20	and	and	CCONJ
asfbr-1414	178	21	information	information	NOUN
asfbr-1414	178	22	to	to	PART
asfbr-1414	178	23	improve	improve	VERB
asfbr-1414	178	24	consumers	consumer	NOUN
asfbr-1414	178	25	'	'	PART
asfbr-1414	178	26	willingness	willingness	NOUN
asfbr-1414	178	27	to	to	PART
asfbr-1414	178	28	use	use	VERB
asfbr-1414	178	29	mobile	mobile	ADJ
asfbr-1414	178	30	financial	financial	ADJ
asfbr-1414	178	31	services	service	NOUN
asfbr-1414	178	32	in	in	ADP
asfbr-1414	178	33	the	the	DET
asfbr-1414	178	34	future	future	NOUN
asfbr-1414	178	35	.	.	PUNCT
asfbr-1414	179	1	to	to	PART
asfbr-1414	179	2	summarise	summarise	VERB
asfbr-1414	179	3	,	,	PUNCT
asfbr-1414	179	4	mfs	mfs	PROPN
asfbr-1414	179	5	has	have	VERB
asfbr-1414	179	6	a	a	DET
asfbr-1414	179	7	lot	lot	NOUN
asfbr-1414	179	8	of	of	ADP
asfbr-1414	179	9	potential	potential	NOUN
asfbr-1414	179	10	,	,	PUNCT
asfbr-1414	179	11	but	but	CCONJ
asfbr-1414	179	12	it	it	PRON
asfbr-1414	179	13	also	also	ADV
asfbr-1414	179	14	has	have	VERB
asfbr-1414	179	15	significant	significant	ADJ
asfbr-1414	179	16	limitations	limitation	NOUN
asfbr-1414	179	17	.	.	PUNCT
asfbr-1414	179	18	.	.	PUNCT
asfbr-1414	180	1	more	more	ADJ
asfbr-1414	180	2	than	than	ADP
asfbr-1414	180	3	2.5	2.5	NUM
asfbr-1414	180	4	billion	billion	NUM
asfbr-1414	180	5	people	people	NOUN
asfbr-1414	180	6	in	in	ADP
asfbr-1414	180	7	developing	develop	VERB
asfbr-1414	180	8	countries	country	NOUN
asfbr-1414	180	9	are	be	AUX
asfbr-1414	180	10	impoverished	impoverished	ADJ
asfbr-1414	180	11	,	,	PUNCT
asfbr-1414	180	12	but	but	CCONJ
asfbr-1414	180	13	many	many	ADJ
asfbr-1414	180	14	have	have	VERB
asfbr-1414	180	15	mobile	mobile	ADJ
asfbr-1414	180	16	phones	phone	NOUN
asfbr-1414	180	17	and	and	CCONJ
asfbr-1414	180	18	have	have	AUX
asfbr-1414	180	19	formed	form	VERB
asfbr-1414	180	20	partnerships	partnership	NOUN
asfbr-1414	180	21	with	with	ADP
asfbr-1414	180	22	telecommunications	telecommunication	NOUN
asfbr-1414	180	23	corporations	corporation	NOUN
asfbr-1414	180	24	.	.	PUNCT
asfbr-1414	181	1	mfs	mfs	PROPN
asfbr-1414	181	2	has	have	VERB
asfbr-1414	181	3	the	the	DET
asfbr-1414	181	4	potential	potential	NOUN
asfbr-1414	181	5	to	to	PART
asfbr-1414	181	6	be	be	AUX
asfbr-1414	181	7	the	the	DET
asfbr-1414	181	8	most	most	ADV
asfbr-1414	181	9	powerful	powerful	ADJ
asfbr-1414	181	10	economic	economic	ADJ
asfbr-1414	181	11	growth	growth	NOUN
asfbr-1414	181	12	weapon	weapon	NOUN
asfbr-1414	181	13	for	for	ADP
asfbr-1414	181	14	all	all	PRON
asfbr-1414	181	15	of	of	ADP
asfbr-1414	181	16	the	the	DET
asfbr-1414	181	17	countries	country	NOUN
asfbr-1414	181	18	especially	especially	ADV
asfbr-1414	181	19	for	for	ADP
asfbr-1414	181	20	pakistan	pakistan	PROPN
asfbr-1414	181	21	.	.	PUNCT
asfbr-1414	182	1	a	a	DET
asfbr-1414	182	2	variety	variety	NOUN
asfbr-1414	182	3	of	of	ADP
asfbr-1414	182	4	factors	factor	NOUN
asfbr-1414	182	5	must	must	AUX
asfbr-1414	182	6	be	be	AUX
asfbr-1414	182	7	developed	develop	VERB
asfbr-1414	182	8	in	in	ADP
asfbr-1414	182	9	order	order	NOUN
asfbr-1414	182	10	for	for	SCONJ
asfbr-1414	182	11	this	this	DET
asfbr-1414	182	12	potential	potential	NOUN
asfbr-1414	182	13	to	to	PART
asfbr-1414	182	14	be	be	AUX
asfbr-1414	182	15	realised	realise	VERB
asfbr-1414	182	16	.	.	PUNCT
asfbr-1414	183	1	finally	finally	ADV
asfbr-1414	183	2	,	,	PUNCT
asfbr-1414	183	3	as	as	SCONJ
asfbr-1414	183	4	the	the	DET
asfbr-1414	183	5	mfs	mfs	NOUN
asfbr-1414	183	6	ecosystem	ecosystem	NOUN
asfbr-1414	183	7	evolves	evolve	VERB
asfbr-1414	183	8	,	,	PUNCT
asfbr-1414	183	9	regulators	regulator	NOUN
asfbr-1414	183	10	must	must	AUX
asfbr-1414	183	11	provide	provide	VERB
asfbr-1414	183	12	a	a	DET
asfbr-1414	183	13	welcoming	welcoming	ADJ
asfbr-1414	183	14	climate	climate	NOUN
asfbr-1414	183	15	that	that	PRON
asfbr-1414	183	16	minimises	minimise	NOUN
asfbr-1414	183	17	risk	risk	VERB
asfbr-1414	183	18	while	while	SCONJ
asfbr-1414	183	19	allowing	allow	VERB
asfbr-1414	183	20	for	for	ADP
asfbr-1414	183	21	flexibility	flexibility	NOUN
asfbr-1414	183	22	and	and	CCONJ
asfbr-1414	183	23	innovation	innovation	NOUN
asfbr-1414	183	24	.	.	PUNCT
asfbr-1414	184	1	references	reference	NOUN
asfbr-1414	184	2	andrianaivo	andrianaivo	NOUN
asfbr-1414	184	3	,	,	PUNCT
asfbr-1414	184	4	m.	m.	NOUN
asfbr-1414	184	5	,	,	PUNCT
asfbr-1414	184	6	&	&	CCONJ
asfbr-1414	184	7	kpodar	kpodar	PROPN
asfbr-1414	184	8	,	,	PUNCT
asfbr-1414	184	9	k.	k.	PROPN
asfbr-1414	184	10	(	(	PUNCT
asfbr-1414	184	11	2012	2012	NUM
asfbr-1414	184	12	)	)	PUNCT
asfbr-1414	184	13	.	.	PUNCT
asfbr-1414	185	1	mobile	mobile	ADJ
asfbr-1414	185	2	phones	phone	NOUN
asfbr-1414	185	3	,	,	PUNCT
asfbr-1414	185	4	financial	financial	ADJ
asfbr-1414	185	5	inclusion	inclusion	NOUN
asfbr-1414	185	6	,	,	PUNCT
asfbr-1414	185	7	and	and	CCONJ
asfbr-1414	185	8	growth	growth	NOUN
asfbr-1414	185	9	.	.	PUNCT
asfbr-1414	186	1	review	review	NOUN
asfbr-1414	186	2	of	of	ADP
asfbr-1414	186	3	economics	economic	NOUN
asfbr-1414	186	4	and	and	CCONJ
asfbr-1414	186	5	institutions	institution	NOUN
asfbr-1414	186	6	,	,	PUNCT
asfbr-1414	186	7	3(2	3(2	NUM
asfbr-1414	186	8	)	)	PUNCT
asfbr-1414	186	9	,	,	PUNCT
asfbr-1414	186	10	1	1	NUM
asfbr-1414	186	11	-	-	SYM
asfbr-1414	186	12	30	30	NUM
asfbr-1414	186	13	.	.	PUNCT
asfbr-1414	187	1	amin	amin	PROPN
asfbr-1414	187	2	,	,	PUNCT
asfbr-1414	187	3	h.	h.	PROPN
asfbr-1414	187	4	,	,	PUNCT
asfbr-1414	187	5	baba	baba	PROPN
asfbr-1414	187	6	,	,	PUNCT
asfbr-1414	187	7	r.	r.	PROPN
asfbr-1414	187	8	&	&	CCONJ
asfbr-1414	187	9	mohammed	mohammed	PROPN
asfbr-1414	187	10	,	,	PUNCT
asfbr-1414	187	11	m.	m.	NOUN
asfbr-1414	187	12	z.	z.	PROPN
asfbr-1414	187	13	(	(	PUNCT
asfbr-1414	187	14	2007	2007	NUM
asfbr-1414	187	15	)	)	PUNCT
asfbr-1414	187	16	.	.	PUNCT
asfbr-1414	188	1	an	an	DET
asfbr-1414	188	2	analysis	analysis	NOUN
asfbr-1414	188	3	of	of	ADP
asfbr-1414	188	4	mobile	mobile	ADJ
asfbr-1414	188	5	banking	banking	NOUN
asfbr-1414	188	6	acceptance	acceptance	NOUN
asfbr-1414	188	7	by	by	ADP
asfbr-1414	188	8	malaysian	malaysian	ADJ
asfbr-1414	188	9	customers	customer	NOUN
asfbr-1414	188	10	,	,	PUNCT
asfbr-1414	188	11	sunway	sunway	PROPN
asfbr-1414	188	12	academic	academic	ADJ
asfbr-1414	188	13	journal	journal	NOUN
asfbr-1414	188	14	,	,	PUNCT
asfbr-1414	188	15	1	1	NUM
asfbr-1414	188	16	-	-	SYM
asfbr-1414	188	17	12	12	NUM
asfbr-1414	188	18	.	.	PUNCT
asfbr-1414	189	1	aboelmaged	aboelmage	VERB
asfbr-1414	189	2	,	,	PUNCT
asfbr-1414	189	3	m.g	m.g	PROPN
asfbr-1414	189	4	.	.	PROPN
asfbr-1414	189	5	&	&	CCONJ
asfbr-1414	189	6	gebba	gebba	PROPN
asfbr-1414	189	7	,	,	PUNCT
asfbr-1414	189	8	t.r	t.r	PROPN
asfbr-1414	189	9	.	.	PROPN
asfbr-1414	190	1	(	(	PUNCT
asfbr-1414	190	2	2013	2013	NUM
asfbr-1414	190	3	)	)	PUNCT
asfbr-1414	190	4	.	.	PUNCT
asfbr-1414	191	1	mobile	mobile	ADJ
asfbr-1414	191	2	banking	banking	NOUN
asfbr-1414	191	3	adoption	adoption	NOUN
asfbr-1414	191	4	:	:	PUNCT
asfbr-1414	191	5	an	an	DET
asfbr-1414	191	6	examination	examination	NOUN
asfbr-1414	191	7	of	of	ADP
asfbr-1414	191	8	technology	technology	NOUN
asfbr-1414	191	9	acceptance	acceptance	NOUN
asfbr-1414	191	10	model	model	NOUN
asfbr-1414	191	11	and	and	CCONJ
asfbr-1414	191	12	theory	theory	NOUN
asfbr-1414	191	13	of	of	ADP
asfbr-1414	191	14	planned	plan	VERB
asfbr-1414	191	15	behavior	behavior	NOUN
asfbr-1414	191	16	.	.	PUNCT
asfbr-1414	192	1	international	international	ADJ
asfbr-1414	192	2	journal	journal	PROPN
asfbr-1414	192	3	of	of	ADP
asfbr-1414	192	4	business	business	NOUN
asfbr-1414	192	5	research	research	NOUN
asfbr-1414	192	6	and	and	CCONJ
asfbr-1414	192	7	development	development	NOUN
asfbr-1414	192	8	,	,	PUNCT
asfbr-1414	192	9	35	35	NUM
asfbr-1414	192	10	-	-	SYM
asfbr-1414	192	11	50	50	NUM
asfbr-1414	192	12	.	.	PUNCT
asfbr-1414	193	1	bångens	bångens	PROPN
asfbr-1414	193	2	,	,	PUNCT
asfbr-1414	193	3	d.l	d.l	PROPN
asfbr-1414	193	4	.	.	PROPN
asfbr-1414	193	5	&	&	CCONJ
asfbr-1414	193	6	söderberg	söderberg	PROPN
asfbr-1414	193	7	,	,	PUNCT
asfbr-1414	193	8	b.	b.	PROPN
asfbr-1414	193	9	(	(	PUNCT
asfbr-1414	193	10	2008	2008	NUM
asfbr-1414	193	11	)	)	PUNCT
asfbr-1414	193	12	.	.	PUNCT
asfbr-1414	194	1	mobile	mobile	ADJ
asfbr-1414	194	2	bakingfinancial	bakingfinancial	ADJ
asfbr-1414	194	3	service	service	NOUN
asfbr-1414	194	4	for	for	ADP
asfbr-1414	194	5	the	the	DET
asfbr-1414	194	6	unbanked	unbanked	NOUN
asfbr-1414	194	7	.	.	PUNCT
asfbr-1414	195	1	stockholm	stockholm	PROPN
asfbr-1414	195	2	:	:	PUNCT
asfbr-1414	195	3	the	the	DET
asfbr-1414	195	4	swedish	swedish	ADJ
asfbr-1414	195	5	program	program	NOUN
asfbr-1414	195	6	for	for	ADP
asfbr-1414	195	7	ict	ict	NOUN
asfbr-1414	195	8	in	in	ADP
asfbr-1414	195	9	developing	develop	VERB
asfbr-1414	195	10	regions	region	NOUN
asfbr-1414	195	11	,	,	PUNCT
asfbr-1414	195	12	spider	spider	NOUN
asfbr-1414	195	13	.	.	PUNCT
asfbr-1414	196	1	bångens	bångens	PROPN
asfbr-1414	196	2	,	,	PUNCT
asfbr-1414	196	3	l.	l.	PROPN
asfbr-1414	196	4	,	,	PUNCT
asfbr-1414	196	5	&	&	CCONJ
asfbr-1414	196	6	söderberg	söderberg	PROPN
asfbr-1414	196	7	,	,	PUNCT
asfbr-1414	196	8	b.	b.	PROPN
asfbr-1414	196	9	(	(	PUNCT
asfbr-1414	196	10	2011	2011	NUM
asfbr-1414	196	11	)	)	PUNCT
asfbr-1414	196	12	.	.	PUNCT
asfbr-1414	197	1	mobile	mobile	ADJ
asfbr-1414	197	2	money	money	NOUN
asfbr-1414	197	3	transfers	transfer	NOUN
asfbr-1414	197	4	and	and	CCONJ
asfbr-1414	197	5	usage	usage	NOUN
asfbr-1414	197	6	among	among	ADP
asfbr-1414	197	7	micro	micro	NOUN
asfbr-1414	197	8	-	-	ADJ
asfbr-1414	197	9	and	and	CCONJ
asfbr-1414	197	10	small	small	ADJ
asfbr-1414	197	11	businesses	business	NOUN
asfbr-1414	197	12	in	in	ADP
asfbr-1414	197	13	tanzania	tanzania	PROPN
asfbr-1414	197	14	.	.	PUNCT
asfbr-1414	197	15	retrieved	retrieve	VERB
asfbr-1414	197	16	from	from	ADP
asfbr-1414	197	17	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_m	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_m	PROPN
asfbr-1414	197	18	mt_final_draft.pdf	mt_final_draft.pdf	PROPN
asfbr-1414	197	19	bostan	bostan	PROPN
asfbr-1414	197	20	,	,	PUNCT
asfbr-1414	197	21	j.	j.	PROPN
asfbr-1414	197	22	(	(	PUNCT
asfbr-1414	197	23	2011	2011	NUM
asfbr-1414	197	24	)	)	PUNCT
asfbr-1414	197	25	.	.	PUNCT
asfbr-1414	198	1	the	the	DET
asfbr-1414	198	2	socio	socio	NOUN
asfbr-1414	198	3	-	-	PUNCT
asfbr-1414	198	4	economic	economic	ADJ
asfbr-1414	198	5	impact	impact	NOUN
asfbr-1414	198	6	of	of	ADP
asfbr-1414	198	7	mobile	mobile	ADJ
asfbr-1414	198	8	financial	financial	ADJ
asfbr-1414	198	9	services	service	NOUN
asfbr-1414	198	10	.	.	PUNCT
asfbr-1414	199	1	management	management	NOUN
asfbr-1414	199	2	science	science	NOUN
asfbr-1414	199	3	,	,	PUNCT
asfbr-1414	199	4	51(april	51(april	NUM
asfbr-1414	199	5	)	)	PUNCT
asfbr-1414	199	6	,	,	PUNCT
asfbr-1414	199	7	741–755	741–755	NUM
asfbr-1414	199	8	.	.	PUNCT
asfbr-1414	200	1	bhattacherjee	bhattacherjee	NOUN
asfbr-1414	200	2	,	,	PUNCT
asfbr-1414	200	3	a.	a.	NOUN
asfbr-1414	200	4	(	(	PUNCT
asfbr-1414	200	5	2002	2002	NUM
asfbr-1414	200	6	)	)	PUNCT
asfbr-1414	200	7	.	.	PUNCT
asfbr-1414	201	1	individual	individual	ADJ
asfbr-1414	201	2	trust	trust	NOUN
asfbr-1414	201	3	in	in	ADP
asfbr-1414	201	4	online	online	ADJ
asfbr-1414	201	5	firms	firm	NOUN
asfbr-1414	201	6	:	:	PUNCT
asfbr-1414	201	7	scale	scale	NOUN
asfbr-1414	201	8	development	development	NOUN
asfbr-1414	201	9	and	and	CCONJ
asfbr-1414	201	10	initial	initial	ADJ
asfbr-1414	201	11	test	test	NOUN
asfbr-1414	201	12	,	,	PUNCT
asfbr-1414	201	13	journal	journal	NOUN
asfbr-1414	201	14	of	of	ADP
asfbr-1414	201	15	management	management	NOUN
asfbr-1414	201	16	information	information	NOUN
asfbr-1414	201	17	systems	system	NOUN
asfbr-1414	201	18	,	,	PUNCT
asfbr-1414	201	19	19(1	19(1	NUM
asfbr-1414	201	20	)	)	PUNCT
asfbr-1414	201	21	,	,	PUNCT
asfbr-1414	201	22	211	211	NUM
asfbr-1414	201	23	-	-	SYM
asfbr-1414	201	24	241	241	NUM
asfbr-1414	201	25	.	.	PUNCT
asfbr-1414	202	1	bordens	bordens	PROPN
asfbr-1414	202	2	,	,	PUNCT
asfbr-1414	202	3	k.s	k.s	PROPN
asfbr-1414	202	4	.	.	PROPN
asfbr-1414	202	5	&	&	CCONJ
asfbr-1414	202	6	abbott	abbott	PROPN
asfbr-1414	202	7	,	,	PUNCT
asfbr-1414	202	8	b.b	b.b	PROPN
asfbr-1414	202	9	.	.	PROPN
asfbr-1414	202	10	(	(	PUNCT
asfbr-1414	202	11	2011	2011	NUM
asfbr-1414	202	12	)	)	PUNCT
asfbr-1414	202	13	.	.	PUNCT
asfbr-1414	203	1	research	research	NOUN
asfbr-1414	203	2	design	design	NOUN
asfbr-1414	203	3	and	and	CCONJ
asfbr-1414	203	4	methods	method	NOUN
asfbr-1414	203	5	:	:	PUNCT
asfbr-1414	203	6	a	a	DET
asfbr-1414	203	7	process	process	NOUN
asfbr-1414	203	8	approach	approach	NOUN
asfbr-1414	203	9	.	.	PUNCT
asfbr-1414	204	1	8th	8th	ADJ
asfbr-1414	204	2	ed	ed	NOUN
asfbr-1414	204	3	.	.	PUNCT
asfbr-1414	205	1	new	new	PROPN
asfbr-1414	205	2	york	york	PROPN
asfbr-1414	205	3	,	,	PUNCT
asfbr-1414	205	4	usa	usa	PROPN
asfbr-1414	205	5	:	:	PUNCT
asfbr-1414	205	6	mcgraw	mcgraw	PROPN
asfbr-1414	205	7	-	-	PUNCT
asfbr-1414	205	8	hill	hill	NOUN
asfbr-1414	205	9	.	.	PUNCT
asfbr-1414	206	1	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_mmt_final_draft.pdf	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_mmt_final_draft.pdf	PROPN
asfbr-1414	206	2	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_mmt_final_draft.pdf	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2012/06/sme_and_mmt_final_draft.pdf	PROPN
asfbr-1414	206	3	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-1414	206	4	asian	asian	ADJ
asfbr-1414	206	5	finance	finance	PROPN
asfbr-1414	206	6	&	&	CCONJ
asfbr-1414	206	7	banking	banking	PROPN
asfbr-1414	206	8	review	review	PROPN
asfbr-1414	206	9	vol	vol	NOUN
asfbr-1414	206	10	.	.	PROPN
asfbr-1414	207	1	5	5	NUM
asfbr-1414	207	2	,	,	PUNCT
asfbr-1414	207	3	no	no	INTJ
asfbr-1414	207	4	.	.	NOUN
asfbr-1414	207	5	1	1	NUM
asfbr-1414	207	6	;	;	PUNCT
asfbr-1414	207	7	2021	2021	NUM
asfbr-1414	207	8	51	51	NUM
asfbr-1414	207	9	buckley	buckley	NOUN
asfbr-1414	207	10	,	,	PUNCT
asfbr-1414	207	11	o.	o.	PROPN
asfbr-1414	207	12	&	&	CCONJ
asfbr-1414	207	13	nurse	nurse	PROPN
asfbr-1414	207	14	,	,	PUNCT
asfbr-1414	207	15	j.	j.	PROPN
asfbr-1414	207	16	(	(	PUNCT
asfbr-1414	207	17	2019	2019	NUM
asfbr-1414	207	18	)	)	PUNCT
asfbr-1414	207	19	.	.	PUNCT
asfbr-1414	208	1	the	the	DET
asfbr-1414	208	2	language	language	NOUN
asfbr-1414	208	3	of	of	ADP
asfbr-1414	208	4	biometrics	biometric	NOUN
asfbr-1414	208	5	:	:	PUNCT
asfbr-1414	208	6	analysing	analyse	VERB
asfbr-1414	208	7	public	public	ADJ
asfbr-1414	208	8	perceptions	perception	NOUN
asfbr-1414	208	9	,	,	PUNCT
asfbr-1414	208	10	journal	journal	NOUN
asfbr-1414	208	11	of	of	ADP
asfbr-1414	208	12	information	information	NOUN
asfbr-1414	208	13	security	security	NOUN
asfbr-1414	208	14	and	and	CCONJ
asfbr-1414	208	15	applications	application	NOUN
asfbr-1414	208	16	,	,	PUNCT
asfbr-1414	208	17	47	47	NUM
asfbr-1414	208	18	,	,	PUNCT
asfbr-1414	208	19	112	112	NUM
asfbr-1414	208	20	-	-	SYM
asfbr-1414	208	21	119	119	NUM
asfbr-1414	208	22	.	.	PUNCT
asfbr-1414	209	1	cronbach	cronbach	PROPN
asfbr-1414	209	2	,	,	PUNCT
asfbr-1414	209	3	l.	l.	PROPN
asfbr-1414	209	4	j.	j.	PROPN
asfbr-1414	209	5	(	(	PUNCT
asfbr-1414	209	6	1951	1951	NUM
asfbr-1414	209	7	)	)	PUNCT
asfbr-1414	209	8	.	.	PUNCT
asfbr-1414	210	1	coefficient	coefficient	NOUN
asfbr-1414	210	2	alpha	alpha	NOUN
asfbr-1414	210	3	and	and	CCONJ
asfbr-1414	210	4	the	the	DET
asfbr-1414	210	5	internal	internal	ADJ
asfbr-1414	210	6	structure	structure	NOUN
asfbr-1414	210	7	of	of	ADP
asfbr-1414	210	8	tests	test	NOUN
asfbr-1414	210	9	.	.	PUNCT
asfbr-1414	211	1	psychometrika	psychometrika	NOUN
asfbr-1414	211	2	,	,	PUNCT
asfbr-1414	211	3	16	16	NUM
asfbr-1414	211	4	,	,	PUNCT
asfbr-1414	211	5	297–334	297–334	NUM
asfbr-1414	211	6	.	.	PUNCT
asfbr-1414	212	1	chale	chale	PROPN
asfbr-1414	212	2	,	,	PUNCT
asfbr-1414	212	3	p.	p.	NOUN
asfbr-1414	212	4	,	,	PUNCT
asfbr-1414	212	5	&	&	CCONJ
asfbr-1414	212	6	mbamba	mbamba	PROPN
asfbr-1414	212	7	,	,	PUNCT
asfbr-1414	212	8	u.	u.	PROPN
asfbr-1414	212	9	(	(	PUNCT
asfbr-1414	212	10	2015	2015	NUM
asfbr-1414	212	11	)	)	PUNCT
asfbr-1414	212	12	.	.	PUNCT
asfbr-1414	213	1	the	the	DET
asfbr-1414	213	2	role	role	NOUN
asfbr-1414	213	3	of	of	ADP
asfbr-1414	213	4	mobile	mobile	ADJ
asfbr-1414	213	5	money	money	NOUN
asfbr-1414	213	6	services	service	NOUN
asfbr-1414	213	7	on	on	ADP
asfbr-1414	213	8	growth	growth	NOUN
asfbr-1414	213	9	of	of	ADP
asfbr-1414	213	10	small	small	ADJ
asfbr-1414	213	11	and	and	CCONJ
asfbr-1414	213	12	medium	medium	ADJ
asfbr-1414	213	13	enterprises	enterprise	NOUN
asfbr-1414	213	14	in	in	ADP
asfbr-1414	213	15	tanzania	tanzania	PROPN
asfbr-1414	213	16	:	:	PUNCT
asfbr-1414	213	17	evidence	evidence	NOUN
asfbr-1414	213	18	from	from	ADP
asfbr-1414	213	19	kinondoni	kinondoni	NOUN
asfbr-1414	213	20	in	in	ADP
asfbr-1414	213	21	dar	dar	PROPN
asfbr-1414	213	22	es	es	PROPN
asfbr-1414	213	23	salaam	salaam	PROPN
asfbr-1414	213	24	rigion	rigion	PROPN
asfbr-1414	213	25	.	.	PUNCT
asfbr-1414	214	1	business	business	NOUN
asfbr-1414	214	2	management	management	PROPN
asfbr-1414	214	3	review	review	PROPN
asfbr-1414	214	4	,	,	PUNCT
asfbr-1414	214	5	17(1	17(1	NUM
asfbr-1414	214	6	)	)	PUNCT
asfbr-1414	214	7	,	,	PUNCT
asfbr-1414	214	8	81	81	NUM
asfbr-1414	214	9	-	-	SYM
asfbr-1414	214	10	96	96	NUM
asfbr-1414	214	11	.	.	PUNCT
asfbr-1414	215	1	chitungo	chitungo	NOUN
asfbr-1414	215	2	,	,	PUNCT
asfbr-1414	215	3	s.k	s.k	PROPN
asfbr-1414	215	4	.	.	PROPN
asfbr-1414	215	5	,	,	PUNCT
asfbr-1414	215	6	&	&	CCONJ
asfbr-1414	215	7	munongo	munongo	NOUN
asfbr-1414	215	8	,	,	PUNCT
asfbr-1414	215	9	s.	s.	PROPN
asfbr-1414	215	10	(	(	PUNCT
asfbr-1414	215	11	2013	2013	NUM
asfbr-1414	215	12	)	)	PUNCT
asfbr-1414	215	13	.	.	PUNCT
asfbr-1414	216	1	extending	extend	VERB
asfbr-1414	216	2	the	the	DET
asfbr-1414	216	3	technology	technology	NOUN
asfbr-1414	216	4	acceptance	acceptance	NOUN
asfbr-1414	216	5	model	model	NOUN
asfbr-1414	216	6	to	to	ADP
asfbr-1414	216	7	mobile	mobile	ADJ
asfbr-1414	216	8	banking	banking	NOUN
asfbr-1414	216	9	adoption	adoption	NOUN
asfbr-1414	216	10	in	in	ADP
asfbr-1414	216	11	rural	rural	ADJ
asfbr-1414	216	12	zimbabwe	zimbabwe	PROPN
asfbr-1414	216	13	.	.	PUNCT
asfbr-1414	217	1	journal	journal	PROPN
asfbr-1414	217	2	of	of	ADP
asfbr-1414	217	3	business	business	PROPN
asfbr-1414	217	4	administration	administration	NOUN
asfbr-1414	217	5	and	and	CCONJ
asfbr-1414	217	6	education	education	NOUN
asfbr-1414	217	7	,	,	PUNCT
asfbr-1414	217	8	3(1	3(1	NUM
asfbr-1414	217	9	)	)	PUNCT
asfbr-1414	217	10	,	,	PUNCT
asfbr-1414	217	11	51	51	NUM
asfbr-1414	217	12	-	-	SYM
asfbr-1414	217	13	79	79	NUM
asfbr-1414	217	14	.	.	PUNCT
asfbr-1414	218	1	caskey	caskey	PROPN
asfbr-1414	218	2	,	,	PUNCT
asfbr-1414	218	3	j.	j.	PROPN
asfbr-1414	218	4	p.	p.	PROPN
asfbr-1414	218	5	(	(	PUNCT
asfbr-1414	218	6	2002	2002	NUM
asfbr-1414	218	7	)	)	PUNCT
asfbr-1414	218	8	.	.	PUNCT
asfbr-1414	219	1	bringing	bring	VERB
asfbr-1414	219	2	unbanked	unbanked	ADJ
asfbr-1414	219	3	households	household	NOUN
asfbr-1414	219	4	into	into	ADP
asfbr-1414	219	5	the	the	DET
asfbr-1414	219	6	banking	banking	NOUN
asfbr-1414	219	7	system	system	NOUN
asfbr-1414	219	8	.	.	PUNCT
asfbr-1414	220	1	a	a	DET
asfbr-1414	220	2	capital	capital	PROPN
asfbr-1414	220	3	xchange	xchange	PROPN
asfbr-1414	220	4	journal	journal	PROPN
asfbr-1414	220	5	.	.	PUNCT
asfbr-1414	221	1	the	the	DET
asfbr-1414	221	2	brookings	brookings	PROPN
asfbr-1414	221	3	institution	institution	NOUN
asfbr-1414	221	4	center	center	NOUN
asfbr-1414	221	5	on	on	ADP
asfbr-1414	221	6	urban	urban	ADJ
asfbr-1414	221	7	and	and	CCONJ
asfbr-1414	221	8	metropolitan	metropolitan	ADJ
asfbr-1414	221	9	policy	policy	NOUN
asfbr-1414	221	10	,	,	PUNCT
asfbr-1414	221	11	harvard	harvard	PROPN
asfbr-1414	221	12	university	university	PROPN
asfbr-1414	221	13	joint	joint	ADJ
asfbr-1414	221	14	center	center	NOUN
asfbr-1414	221	15	for	for	ADP
asfbr-1414	221	16	housing	housing	NOUN
asfbr-1414	221	17	studies	study	NOUN
asfbr-1414	221	18	.	.	PUNCT
asfbr-1414	222	1	chala	chala	PROPN
asfbr-1414	222	2	,	,	PUNCT
asfbr-1414	222	3	a.	a.	PROPN
asfbr-1414	222	4	,	,	PUNCT
asfbr-1414	222	5	aparna	aparna	PROPN
asfbr-1414	222	6	.	.	PUNCT
asfbr-1414	222	7	,	,	PUNCT
asfbr-1414	223	1	d	d	X
asfbr-1414	223	2	,	,	PUNCT
asfbr-1414	223	3	goland	goland	NOUN
asfbr-1414	223	4	,	,	PUNCT
asfbr-1414	223	5	t.	t.	PROPN
asfbr-1414	223	6	,	,	PUNCT
asfbr-1414	223	7	gonzalez	gonzalez	PROPN
asfbr-1414	223	8	,	,	PUNCT
asfbr-1414	223	9	m.	m.	PROPN
asfbr-1414	223	10	j.	j.	PROPN
asfbr-1414	223	11	,	,	PUNCT
asfbr-1414	223	12	morduch	morduch	PROPN
asfbr-1414	223	13	,	,	PUNCT
asfbr-1414	223	14	j.	j.	PROPN
asfbr-1414	223	15	,	,	PUNCT
asfbr-1414	223	16	&	&	CCONJ
asfbr-1414	223	17	schiff	schiff	PROPN
asfbr-1414	223	18	,	,	PUNCT
asfbr-1414	223	19	r.	r.	PROPN
asfbr-1414	223	20	(	(	PUNCT
asfbr-1414	223	21	2009	2009	NUM
asfbr-1414	223	22	)	)	PUNCT
asfbr-1414	223	23	.	.	PUNCT
asfbr-1414	224	1	half	half	DET
asfbr-1414	224	2	the	the	DET
asfbr-1414	224	3	world	world	NOUN
asfbr-1414	224	4	is	be	AUX
asfbr-1414	224	5	unbanked	unbanked	ADJ
asfbr-1414	224	6	.	.	PUNCT
asfbr-1414	225	1	financial	financial	ADJ
asfbr-1414	225	2	access	access	NOUN
asfbr-1414	225	3	initiative	initiative	NOUN
asfbr-1414	225	4	(	(	PUNCT
asfbr-1414	225	5	fai	fai	X
asfbr-1414	225	6	)	)	PUNCT
asfbr-1414	225	7	framing	framing	NOUN
asfbr-1414	225	8	note	note	NOUN
asfbr-1414	225	9	,	,	PUNCT
asfbr-1414	225	10	october	october	PROPN
asfbr-1414	225	11	2009	2009	NUM
asfbr-1414	225	12	.	.	PUNCT
asfbr-1414	226	1	dass	dass	PROPN
asfbr-1414	226	2	,	,	PUNCT
asfbr-1414	226	3	r.	r.	PROPN
asfbr-1414	226	4	,	,	PUNCT
asfbr-1414	226	5	&	&	CCONJ
asfbr-1414	226	6	pal	pal	PROPN
asfbr-1414	226	7	,	,	PUNCT
asfbr-1414	226	8	s.	s.	PROPN
asfbr-1414	226	9	(	(	PUNCT
asfbr-1414	226	10	2011a	2011a	NUM
asfbr-1414	226	11	)	)	PUNCT
asfbr-1414	226	12	.	.	PUNCT
asfbr-1414	227	1	a	a	DET
asfbr-1414	227	2	meta	meta	ADJ
asfbr-1414	227	3	analysis	analysis	NOUN
asfbr-1414	227	4	on	on	ADP
asfbr-1414	227	5	adoption	adoption	NOUN
asfbr-1414	227	6	of	of	ADP
asfbr-1414	227	7	mobile	mobile	ADJ
asfbr-1414	227	8	financial	financial	ADJ
asfbr-1414	227	9	services	service	NOUN
asfbr-1414	227	10	.	.	PUNCT
asfbr-1414	228	1	ahmedabad	ahmedabad	PROPN
asfbr-1414	228	2	,	,	PUNCT
asfbr-1414	228	3	india	india	PROPN
asfbr-1414	228	4	:	:	PUNCT
asfbr-1414	228	5	indian	indian	PROPN
asfbr-1414	228	6	institute	institute	PROPN
asfbr-1414	228	7	of	of	ADP
asfbr-1414	228	8	management	management	PROPN
asfbr-1414	228	9	(	(	PUNCT
asfbr-1414	228	10	iima	iima	NOUN
asfbr-1414	228	11	)	)	PUNCT
asfbr-1414	228	12	.	.	PUNCT
asfbr-1414	229	1	dass	dass	PROPN
asfbr-1414	229	2	,	,	PUNCT
asfbr-1414	229	3	r.	r.	PROPN
asfbr-1414	229	4	,	,	PUNCT
asfbr-1414	229	5	&	&	CCONJ
asfbr-1414	229	6	pal	pal	PROPN
asfbr-1414	229	7	,	,	PUNCT
asfbr-1414	229	8	s.	s.	PROPN
asfbr-1414	229	9	(	(	PUNCT
asfbr-1414	229	10	2011b	2011b	NUM
asfbr-1414	229	11	)	)	PUNCT
asfbr-1414	229	12	.	.	PUNCT
asfbr-1414	230	1	exploring	explore	VERB
asfbr-1414	230	2	the	the	DET
asfbr-1414	230	3	factors	factor	NOUN
asfbr-1414	230	4	affecting	affect	VERB
asfbr-1414	230	5	the	the	DET
asfbr-1414	230	6	adoption	adoption	NOUN
asfbr-1414	230	7	of	of	ADP
asfbr-1414	230	8	mobile	mobile	ADJ
asfbr-1414	230	9	financial	financial	ADJ
asfbr-1414	230	10	services	service	NOUN
asfbr-1414	230	11	among	among	ADP
asfbr-1414	230	12	the	the	DET
asfbr-1414	230	13	rural	rural	ADJ
asfbr-1414	230	14	under	under	ADV
asfbr-1414	230	15	-	-	PUNCT
asfbr-1414	230	16	banked	bank	VERB
asfbr-1414	230	17	.	.	PUNCT
asfbr-1414	231	1	ahmedabad	ahmedabad	PROPN
asfbr-1414	231	2	:	:	PUNCT
asfbr-1414	231	3	indian	indian	PROPN
asfbr-1414	231	4	institute	institute	PROPN
asfbr-1414	231	5	of	of	ADP
asfbr-1414	231	6	management	management	PROPN
asfbr-1414	231	7	ahmedabad	ahmedabad	PROPN
asfbr-1414	231	8	.	.	PUNCT
asfbr-1414	232	1	davis	davis	PROPN
asfbr-1414	232	2	,	,	PUNCT
asfbr-1414	232	3	f.	f.	PROPN
asfbr-1414	232	4	d.	d.	PROPN
asfbr-1414	232	5	(	(	PUNCT
asfbr-1414	232	6	1989	1989	NUM
asfbr-1414	232	7	)	)	PUNCT
asfbr-1414	232	8	.	.	PUNCT
asfbr-1414	233	1	perceived	perceive	VERB
asfbr-1414	233	2	usefulness	usefulness	NOUN
asfbr-1414	233	3	,	,	PUNCT
asfbr-1414	233	4	perceived	perceive	VERB
asfbr-1414	233	5	ease	ease	NOUN
asfbr-1414	233	6	of	of	ADP
asfbr-1414	233	7	use	use	NOUN
asfbr-1414	233	8	,	,	PUNCT
asfbr-1414	233	9	and	and	CCONJ
asfbr-1414	233	10	user	user	NOUN
asfbr-1414	233	11	acceptance	acceptance	NOUN
asfbr-1414	233	12	of	of	ADP
asfbr-1414	233	13	information	information	NOUN
asfbr-1414	233	14	technology	technology	NOUN
asfbr-1414	233	15	.	.	PUNCT
asfbr-1414	234	1	management	management	NOUN
asfbr-1414	234	2	information	information	NOUN
asfbr-1414	234	3	systems	systems	PROPN
asfbr-1414	234	4	research	research	NOUN
asfbr-1414	234	5	center	center	NOUN
asfbr-1414	234	6	,	,	PUNCT
asfbr-1414	234	7	13(3	13(3	NUM
asfbr-1414	234	8	)	)	PUNCT
asfbr-1414	234	9	,	,	PUNCT
asfbr-1414	234	10	319	319	NUM
asfbr-1414	234	11	-	-	SYM
asfbr-1414	234	12	40	40	NUM
asfbr-1414	234	13	.	.	PUNCT
asfbr-1414	235	1	donner	donner	PROPN
asfbr-1414	235	2	j.	j.	PROPN
asfbr-1414	235	3	,	,	PUNCT
asfbr-1414	235	4	&	&	CCONJ
asfbr-1414	235	5	tellez	tellez	PROPN
asfbr-1414	235	6	,	,	PUNCT
asfbr-1414	235	7	c.a	c.a	PROPN
asfbr-1414	235	8	.	.	PROPN
asfbr-1414	235	9	(	(	PUNCT
asfbr-1414	235	10	2008	2008	NUM
asfbr-1414	235	11	)	)	PUNCT
asfbr-1414	235	12	.	.	PUNCT
asfbr-1414	236	1	mobile	mobile	ADJ
asfbr-1414	236	2	banking	banking	NOUN
asfbr-1414	236	3	and	and	CCONJ
asfbr-1414	236	4	economic	economic	ADJ
asfbr-1414	236	5	development	development	NOUN
asfbr-1414	236	6	:	:	PUNCT
asfbr-1414	236	7	linking	link	VERB
asfbr-1414	236	8	adoption	adoption	NOUN
asfbr-1414	236	9	,	,	PUNCT
asfbr-1414	236	10	impact	impact	NOUN
asfbr-1414	236	11	and	and	CCONJ
asfbr-1414	236	12	use	use	NOUN
asfbr-1414	236	13	.	.	PUNCT
asfbr-1414	237	1	asian	asian	ADJ
asfbr-1414	237	2	journal	journal	NOUN
asfbr-1414	237	3	of	of	ADP
asfbr-1414	237	4	communication	communication	NOUN
asfbr-1414	237	5	18(4	18(4	NUM
asfbr-1414	237	6	)	)	PUNCT
asfbr-1414	237	7	,	,	PUNCT
asfbr-1414	237	8	318	318	NUM
asfbr-1414	237	9	-	-	SYM
asfbr-1414	237	10	322	322	NUM
asfbr-1414	237	11	.	.	PUNCT
asfbr-1414	238	1	dahlberg	dahlberg	PROPN
asfbr-1414	238	2	,	,	PUNCT
asfbr-1414	238	3	t.	t.	PROPN
asfbr-1414	238	4	,	,	PUNCT
asfbr-1414	238	5	mallat	mallat	ADJ
asfbr-1414	238	6	,	,	PUNCT
asfbr-1414	238	7	n.	n.	NOUN
asfbr-1414	238	8	,	,	PUNCT
asfbr-1414	238	9	&	&	CCONJ
asfbr-1414	238	10	öörni	öörni	PROPN
asfbr-1414	238	11	,	,	PUNCT
asfbr-1414	238	12	a.	a.	NOUN
asfbr-1414	238	13	(	(	PUNCT
asfbr-1414	238	14	2004	2004	NUM
asfbr-1414	238	15	)	)	PUNCT
asfbr-1414	238	16	.	.	PUNCT
asfbr-1414	239	1	trust	trust	NOUN
asfbr-1414	239	2	enhanced	enhance	VERB
asfbr-1414	239	3	technology	technology	NOUN
asfbr-1414	239	4	acceptance	acceptance	NOUN
asfbr-1414	239	5	model	model	NOUN
asfbr-1414	239	6	consumer	consumer	NOUN
asfbr-1414	239	7	acceptance	acceptance	NOUN
asfbr-1414	239	8	of	of	ADP
asfbr-1414	239	9	mobile	mobile	ADJ
asfbr-1414	239	10	payment	payment	NOUN
asfbr-1414	239	11	solution	solution	NOUN
asfbr-1414	239	12	.	.	PUNCT
asfbr-1414	240	1	retrieved	retrieve	VERB
asfbr-1414	240	2	from	from	ADP
asfbr-1414	240	3	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.200.7189&rep=rep1&type=pd	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.200.7189&rep=rep1&type=pd	PROPN
asfbr-1414	240	4	f	f	PROPN
asfbr-1414	240	5	horne	horne	PROPN
asfbr-1414	240	6	,	,	PUNCT
asfbr-1414	240	7	d.	d.	PROPN
asfbr-1414	240	8	,	,	PUNCT
asfbr-1414	240	9	&	&	CCONJ
asfbr-1414	240	10	nickerson	nickerson	PROPN
asfbr-1414	240	11	,	,	PUNCT
asfbr-1414	240	12	d.	d.	PROPN
asfbr-1414	240	13	(	(	PUNCT
asfbr-1414	240	14	2013	2013	NUM
asfbr-1414	240	15	)	)	PUNCT
asfbr-1414	240	16	.	.	PUNCT
asfbr-1414	241	1	understanding	understand	VERB
asfbr-1414	241	2	the	the	DET
asfbr-1414	241	3	drivers	driver	NOUN
asfbr-1414	241	4	of	of	ADP
asfbr-1414	241	5	mobile	mobile	ADJ
asfbr-1414	241	6	payment	payment	NOUN
asfbr-1414	241	7	adoption	adoption	NOUN
asfbr-1414	241	8	:	:	PUNCT
asfbr-1414	241	9	comparing	compare	VERB
asfbr-1414	241	10	kenya	kenya	PROPN
asfbr-1414	241	11	and	and	CCONJ
asfbr-1414	241	12	tanzania	tanzania	PROPN
asfbr-1414	241	13	.	.	PUNCT
asfbr-1414	242	1	gx	gx	PROPN
asfbr-1414	242	2	intelligence	intelligence	PROPN
asfbr-1414	242	3	.	.	PUNCT
asfbr-1414	243	1	islam	islam	PROPN
asfbr-1414	243	2	,	,	PUNCT
asfbr-1414	243	3	k.	k.	PROPN
asfbr-1414	243	4	m.	m.	PROPN
asfbr-1414	243	5	a.	a.	PROPN
asfbr-1414	243	6	,	,	PUNCT
asfbr-1414	243	7	&	&	CCONJ
asfbr-1414	243	8	salma	salma	PROPN
asfbr-1414	243	9	,	,	PUNCT
asfbr-1414	243	10	u.	u.	PROPN
asfbr-1414	243	11	(	(	PUNCT
asfbr-1414	243	12	2016	2016	NUM
asfbr-1414	243	13	)	)	PUNCT
asfbr-1414	243	14	.	.	PUNCT
asfbr-1414	244	1	mobile	mobile	ADJ
asfbr-1414	244	2	banking	banking	NOUN
asfbr-1414	244	3	operations	operation	NOUN
asfbr-1414	244	4	and	and	CCONJ
asfbr-1414	244	5	banking	banking	NOUN
asfbr-1414	244	6	facilities	facility	NOUN
asfbr-1414	244	7	to	to	PART
asfbr-1414	244	8	rural	rural	ADJ
asfbr-1414	244	9	people	people	NOUN
asfbr-1414	244	10	in	in	ADP
asfbr-1414	244	11	bangladesh	bangladesh	PROPN
asfbr-1414	244	12	.	.	PUNCT
asfbr-1414	245	1	international	international	ADJ
asfbr-1414	245	2	journal	journal	PROPN
asfbr-1414	245	3	of	of	ADP
asfbr-1414	245	4	finance	finance	NOUN
asfbr-1414	245	5	and	and	CCONJ
asfbr-1414	245	6	banking	banking	NOUN
asfbr-1414	245	7	research	research	NOUN
asfbr-1414	245	8	,	,	PUNCT
asfbr-1414	245	9	2(4	2(4	NUM
asfbr-1414	245	10	)	)	PUNCT
asfbr-1414	245	11	,	,	PUNCT
asfbr-1414	245	12	147	147	NUM
asfbr-1414	245	13	.	.	PUNCT
asfbr-1414	246	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	246	2	asian	asian	PROPN
asfbr-1414	246	3	finance	finance	PROPN
asfbr-1414	246	4	&	&	CCONJ
asfbr-1414	246	5	banking	banking	PROPN
asfbr-1414	246	6	review	review	PROPN
asfbr-1414	246	7	vol	vol	NOUN
asfbr-1414	246	8	.	.	PROPN
asfbr-1414	247	1	5	5	NUM
asfbr-1414	247	2	,	,	PUNCT
asfbr-1414	247	3	no	no	INTJ
asfbr-1414	247	4	.	.	NOUN
asfbr-1414	247	5	1	1	NUM
asfbr-1414	247	6	;	;	PUNCT
asfbr-1414	248	1	2021	2021	NUM
asfbr-1414	248	2	52	52	NUM
asfbr-1414	248	3	johnston	johnston	PROPN
asfbr-1414	248	4	,	,	PUNCT
asfbr-1414	248	5	d.	d.	PROPN
asfbr-1414	248	6	,	,	PUNCT
asfbr-1414	248	7	&	&	CCONJ
asfbr-1414	248	8	murdoch	murdoch	PROPN
asfbr-1414	248	9	,	,	PUNCT
asfbr-1414	248	10	j.	j.	PROPN
asfbr-1414	248	11	(	(	PUNCT
asfbr-1414	248	12	2008	2008	NUM
asfbr-1414	248	13	)	)	PUNCT
asfbr-1414	248	14	.	.	PUNCT
asfbr-1414	249	1	world	world	PROPN
asfbr-1414	249	2	bank	bank	PROPN
asfbr-1414	249	3	economic	economic	PROPN
asfbr-1414	249	4	review	review	PROPN
asfbr-1414	249	5	,	,	PUNCT
asfbr-1414	249	6	22(3	22(3	NUM
asfbr-1414	249	7	)	)	PUNCT
asfbr-1414	249	8	,	,	PUNCT
asfbr-1414	249	9	517	517	NUM
asfbr-1414	249	10	-	-	SYM
asfbr-1414	249	11	553	553	NUM
asfbr-1414	249	12	.	.	PUNCT
asfbr-1414	250	1	lule	lule	PROPN
asfbr-1414	250	2	,	,	PUNCT
asfbr-1414	250	3	i.	i.	PROPN
asfbr-1414	250	4	(	(	PUNCT
asfbr-1414	250	5	2008	2008	NUM
asfbr-1414	250	6	)	)	PUNCT
asfbr-1414	250	7	.	.	PUNCT
asfbr-1414	251	1	application	application	NOUN
asfbr-1414	251	2	of	of	ADP
asfbr-1414	251	3	techology	techology	NOUN
asfbr-1414	251	4	acceptance	acceptance	NOUN
asfbr-1414	251	5	model	model	NOUN
asfbr-1414	251	6	in	in	ADP
asfbr-1414	251	7	mobile	mobile	ADJ
asfbr-1414	251	8	banking	banking	NOUN
asfbr-1414	251	9	adoption	adoption	NOUN
asfbr-1414	251	10	in	in	ADP
asfbr-1414	251	11	kenya	kenya	PROPN
asfbr-1414	251	12	.	.	PUNCT
asfbr-1414	252	1	nairobi	nairobi	PROPN
asfbr-1414	252	2	,	,	PUNCT
asfbr-1414	252	3	kenya	kenya	PROPN
asfbr-1414	252	4	:	:	PUNCT
asfbr-1414	252	5	university	university	NOUN
asfbr-1414	252	6	of	of	ADP
asfbr-1414	252	7	nairobi	nairobi	PROPN
asfbr-1414	252	8	.	.	PUNCT
asfbr-1414	253	1	li	li	PROPN
asfbr-1414	253	2	,	,	PUNCT
asfbr-1414	253	3	l.	l.	PROPN
asfbr-1414	253	4	(	(	PUNCT
asfbr-1414	253	5	2010	2010	NUM
asfbr-1414	253	6	)	)	PUNCT
asfbr-1414	253	7	.	.	PUNCT
asfbr-1414	254	1	a	a	DET
asfbr-1414	254	2	critical	critical	ADJ
asfbr-1414	254	3	review	review	NOUN
asfbr-1414	254	4	of	of	ADP
asfbr-1414	254	5	technology	technology	NOUN
asfbr-1414	254	6	acceptance	acceptance	NOUN
asfbr-1414	254	7	of	of	ADP
asfbr-1414	254	8	literature	literature	NOUN
asfbr-1414	254	9	.	.	PUNCT
asfbr-1414	255	1	los	los	PROPN
asfbr-1414	255	2	angeles	angeles	PROPN
asfbr-1414	255	3	,	,	PUNCT
asfbr-1414	255	4	usa	usa	PROPN
asfbr-1414	255	5	:	:	PUNCT
asfbr-1414	255	6	grambling	grambling	PROPN
asfbr-1414	255	7	state	state	PROPN
asfbr-1414	255	8	university	university	PROPN
asfbr-1414	255	9	.	.	PUNCT
asfbr-1414	256	1	lee	lee	PROPN
asfbr-1414	256	2	,	,	PUNCT
asfbr-1414	256	3	m.c	m.c	PROPN
asfbr-1414	256	4	.	.	PROPN
asfbr-1414	256	5	(	(	PUNCT
asfbr-1414	256	6	2009	2009	NUM
asfbr-1414	256	7	)	)	PUNCT
asfbr-1414	256	8	.	.	PUNCT
asfbr-1414	257	1	factors	factor	NOUN
asfbr-1414	257	2	influencing	influence	VERB
asfbr-1414	257	3	the	the	DET
asfbr-1414	257	4	adoption	adoption	NOUN
asfbr-1414	257	5	of	of	ADP
asfbr-1414	257	6	internet	internet	NOUN
asfbr-1414	257	7	banking	banking	NOUN
asfbr-1414	257	8	:	:	PUNCT
asfbr-1414	257	9	an	an	DET
asfbr-1414	257	10	integration	integration	NOUN
asfbr-1414	257	11	of	of	ADP
asfbr-1414	257	12	tam	tam	PROPN
asfbr-1414	257	13	and	and	CCONJ
asfbr-1414	257	14	tpb	tpb	VERB
asfbr-1414	257	15	with	with	ADP
asfbr-1414	257	16	perceived	perceive	VERB
asfbr-1414	257	17	risk	risk	NOUN
asfbr-1414	257	18	and	and	CCONJ
asfbr-1414	257	19	perceived	perceive	VERB
asfbr-1414	257	20	benefit	benefit	NOUN
asfbr-1414	257	21	.	.	PUNCT
asfbr-1414	258	1	electronic	electronic	ADJ
asfbr-1414	258	2	commerce	commerce	NOUN
asfbr-1414	258	3	research	research	NOUN
asfbr-1414	258	4	and	and	CCONJ
asfbr-1414	258	5	applications	application	NOUN
asfbr-1414	258	6	,	,	PUNCT
asfbr-1414	258	7	8(3	8(3	NUM
asfbr-1414	258	8	)	)	PUNCT
asfbr-1414	258	9	,	,	PUNCT
asfbr-1414	258	10	130–41	130–41	NUM
asfbr-1414	258	11	.	.	PUNCT
asfbr-1414	259	1	masinge	masinge	PROPN
asfbr-1414	259	2	,	,	PUNCT
asfbr-1414	259	3	k.	k.	PROPN
asfbr-1414	259	4	(	(	PUNCT
asfbr-1414	259	5	2010	2010	NUM
asfbr-1414	259	6	)	)	PUNCT
asfbr-1414	259	7	.	.	PUNCT
asfbr-1414	260	1	factors	factor	NOUN
asfbr-1414	260	2	influencing	influence	VERB
asfbr-1414	260	3	the	the	DET
asfbr-1414	260	4	adoption	adoption	NOUN
asfbr-1414	260	5	of	of	ADP
asfbr-1414	260	6	mobile	mobile	ADJ
asfbr-1414	260	7	banking	banking	NOUN
asfbr-1414	260	8	services	service	NOUN
asfbr-1414	260	9	at	at	ADP
asfbr-1414	260	10	the	the	DET
asfbr-1414	260	11	bottom	bottom	NOUN
asfbr-1414	260	12	of	of	ADP
asfbr-1414	260	13	the	the	DET
asfbr-1414	260	14	pyramid	pyramid	NOUN
asfbr-1414	260	15	in	in	ADP
asfbr-1414	260	16	south	south	PROPN
asfbr-1414	260	17	africa	africa	PROPN
asfbr-1414	260	18	.	.	PUNCT
asfbr-1414	261	1	pretoria	pretoria	PROPN
asfbr-1414	261	2	,	,	PUNCT
asfbr-1414	261	3	south	south	PROPN
asfbr-1414	261	4	africa	africa	PROPN
asfbr-1414	261	5	:	:	PUNCT
asfbr-1414	261	6	gordon	gordon	PROPN
asfbr-1414	261	7	institute	institute	PROPN
asfbr-1414	261	8	of	of	ADP
asfbr-1414	261	9	business	business	PROPN
asfbr-1414	261	10	science	science	PROPN
asfbr-1414	261	11	(	(	PUNCT
asfbr-1414	261	12	gibs	gibs	PROPN
asfbr-1414	261	13	)	)	PUNCT
asfbr-1414	261	14	,	,	PUNCT
asfbr-1414	261	15	university	university	NOUN
asfbr-1414	261	16	of	of	ADP
asfbr-1414	261	17	pretoria	pretoria	PROPN
asfbr-1414	261	18	.	.	PUNCT
asfbr-1414	261	19	marumbwa	marumbwa	PROPN
asfbr-1414	261	20	,	,	PUNCT
asfbr-1414	261	21	j.	j.	PROPN
asfbr-1414	261	22	,	,	PUNCT
asfbr-1414	261	23	&	&	CCONJ
asfbr-1414	261	24	mutsikiwa	mutsikiwa	PROPN
asfbr-1414	261	25	,	,	PUNCT
asfbr-1414	261	26	m.	m.	NOUN
asfbr-1414	261	27	(	(	PUNCT
asfbr-1414	261	28	2013	2013	NUM
asfbr-1414	261	29	)	)	PUNCT
asfbr-1414	261	30	.	.	PUNCT
asfbr-1414	262	1	an	an	DET
asfbr-1414	262	2	analysis	analysis	NOUN
asfbr-1414	262	3	of	of	ADP
asfbr-1414	262	4	the	the	DET
asfbr-1414	262	5	factors	factor	NOUN
asfbr-1414	262	6	influencing	influence	VERB
asfbr-1414	262	7	consumers	consumer	NOUN
asfbr-1414	262	8	’	'	PUNCT
asfbr-1414	262	9	adoption	adoption	NOUN
asfbr-1414	262	10	of	of	ADP
asfbr-1414	262	11	mobile	mobile	ADJ
asfbr-1414	262	12	money	money	NOUN
asfbr-1414	262	13	transfer	transfer	NOUN
asfbr-1414	262	14	services	service	NOUN
asfbr-1414	262	15	(	(	PUNCT
asfbr-1414	262	16	mmts	mmts	NOUN
asfbr-1414	262	17	)	)	PUNCT
asfbr-1414	262	18	in	in	ADP
asfbr-1414	262	19	masvingo	masvingo	PROPN
asfbr-1414	262	20	urban	urban	ADJ
asfbr-1414	262	21	,	,	PUNCT
asfbr-1414	262	22	zimbabwe	zimbabwe	ADJ
asfbr-1414	262	23	.	.	PUNCT
asfbr-1414	263	1	british	british	PROPN
asfbr-1414	263	2	journal	journal	PROPN
asfbr-1414	263	3	of	of	ADP
asfbr-1414	263	4	economics	economic	NOUN
asfbr-1414	263	5	,	,	PUNCT
asfbr-1414	263	6	management	management	NOUN
asfbr-1414	263	7	and	and	CCONJ
asfbr-1414	263	8	trade	trade	NOUN
asfbr-1414	263	9	,	,	PUNCT
asfbr-1414	263	10	3(4	3(4	NUM
asfbr-1414	263	11	)	)	PUNCT
asfbr-1414	263	12	,	,	PUNCT
asfbr-1414	263	13	498	498	NUM
asfbr-1414	263	14	-	-	SYM
asfbr-1414	263	15	512	512	NUM
asfbr-1414	263	16	.	.	PUNCT
asfbr-1414	264	1	nunnally	nunnally	PROPN
asfbr-1414	264	2	,	,	PUNCT
asfbr-1414	264	3	j.	j.	PROPN
asfbr-1414	264	4	c.	c.	PROPN
asfbr-1414	264	5	,	,	PUNCT
asfbr-1414	264	6	&	&	CCONJ
asfbr-1414	264	7	bernstein	bernstein	PROPN
asfbr-1414	264	8	,	,	PUNCT
asfbr-1414	264	9	i.	i.	PROPN
asfbr-1414	264	10	h.	h.	PROPN
asfbr-1414	264	11	(	(	PUNCT
asfbr-1414	264	12	1994	1994	NUM
asfbr-1414	264	13	)	)	PUNCT
asfbr-1414	264	14	.	.	PUNCT
asfbr-1414	265	1	psychometric	psychometric	ADJ
asfbr-1414	265	2	theory	theory	NOUN
asfbr-1414	265	3	(	(	PUNCT
asfbr-1414	265	4	3rd	3rd	ADJ
asfbr-1414	265	5	ed	ed	NOUN
asfbr-1414	265	6	.	.	PUNCT
asfbr-1414	265	7	)	)	PUNCT
asfbr-1414	265	8	.	.	PUNCT
asfbr-1414	266	1	new	new	PROPN
asfbr-1414	266	2	york	york	PROPN
asfbr-1414	266	3	:	:	PUNCT
asfbr-1414	266	4	mcgrawhil	mcgrawhil	NOUN
asfbr-1414	266	5	omwansa	omwansa	VERB
asfbr-1414	266	6	,	,	PUNCT
asfbr-1414	266	7	t.	t.	NOUN
asfbr-1414	266	8	,	,	PUNCT
asfbr-1414	266	9	waema	waema	NOUN
asfbr-1414	266	10	,	,	PUNCT
asfbr-1414	266	11	t.	t.	PROPN
asfbr-1414	266	12	,	,	PUNCT
asfbr-1414	266	13	&	&	CCONJ
asfbr-1414	266	14	lules	lule	NOUN
asfbr-1414	266	15	,	,	PUNCT
asfbr-1414	266	16	i.	i.	PROPN
asfbr-1414	266	17	(	(	PUNCT
asfbr-1414	266	18	2012	2012	NUM
asfbr-1414	266	19	)	)	PUNCT
asfbr-1414	266	20	.	.	PUNCT
asfbr-1414	267	1	application	application	NOUN
asfbr-1414	267	2	of	of	ADP
asfbr-1414	267	3	technology	technology	NOUN
asfbr-1414	267	4	acceptance	acceptance	NOUN
asfbr-1414	267	5	model	model	NOUN
asfbr-1414	267	6	(	(	PUNCT
asfbr-1414	267	7	tam	tam	PROPN
asfbr-1414	267	8	)	)	PUNCT
asfbr-1414	267	9	in	in	ADP
asfbr-1414	267	10	mbanking	mbanke	VERB
asfbr-1414	267	11	adoption	adoption	NOUN
asfbr-1414	267	12	in	in	ADP
asfbr-1414	267	13	kenya	kenya	PROPN
asfbr-1414	267	14	.	.	PUNCT
asfbr-1414	268	1	international	international	ADJ
asfbr-1414	268	2	journal	journal	PROPN
asfbr-1414	268	3	of	of	ADP
asfbr-1414	268	4	computing	computing	NOUN
asfbr-1414	268	5	and	and	CCONJ
asfbr-1414	268	6	ict	ict	PROPN
asfbr-1414	268	7	research	research	NOUN
asfbr-1414	268	8	,	,	PUNCT
asfbr-1414	268	9	iv(1	iv(1	NOUN
asfbr-1414	268	10	)	)	PUNCT
asfbr-1414	268	11	,	,	PUNCT
asfbr-1414	268	12	31	31	NUM
asfbr-1414	268	13	-	-	SYM
asfbr-1414	268	14	43	43	NUM
asfbr-1414	268	15	.	.	PUNCT
asfbr-1414	269	1	pickens	pickens	PROPN
asfbr-1414	269	2	,	,	PUNCT
asfbr-1414	269	3	m.	m.	NOUN
asfbr-1414	269	4	(	(	PUNCT
asfbr-1414	269	5	2009	2009	NUM
asfbr-1414	269	6	)	)	PUNCT
asfbr-1414	269	7	.	.	PUNCT
asfbr-1414	270	1	window	window	NOUN
asfbr-1414	270	2	on	on	ADP
asfbr-1414	270	3	the	the	DET
asfbr-1414	270	4	unbanked	unbanked	NOUN
asfbr-1414	270	5	:	:	PUNCT
asfbr-1414	270	6	mobile	mobile	ADJ
asfbr-1414	270	7	money	money	NOUN
asfbr-1414	270	8	in	in	ADP
asfbr-1414	270	9	the	the	DET
asfbr-1414	270	10	philippines	philippine	NOUN
asfbr-1414	270	11	.	.	PUNCT
asfbr-1414	271	1	cgap	cgap	PROPN
asfbr-1414	271	2	brief	brief	PROPN
asfbr-1414	271	3	,	,	PUNCT
asfbr-1414	271	4	december	december	PROPN
asfbr-1414	271	5	.	.	PUNCT
asfbr-1414	271	6	porteous	porteous	NOUN
asfbr-1414	271	7	,	,	PUNCT
asfbr-1414	271	8	d.	d.	PROPN
asfbr-1414	271	9	(	(	PUNCT
asfbr-1414	271	10	2006	2006	NUM
asfbr-1414	271	11	)	)	PUNCT
asfbr-1414	271	12	.	.	PUNCT
asfbr-1414	272	1	the	the	DET
asfbr-1414	272	2	enabling	enable	VERB
asfbr-1414	272	3	environment	environment	NOUN
asfbr-1414	272	4	for	for	ADP
asfbr-1414	272	5	mobile	mobile	ADJ
asfbr-1414	272	6	banking	banking	NOUN
asfbr-1414	272	7	in	in	ADP
asfbr-1414	272	8	africa	africa	PROPN
asfbr-1414	272	9	.	.	PUNCT
asfbr-1414	273	1	report	report	NOUN
asfbr-1414	273	2	commissioned	commission	VERB
asfbr-1414	273	3	for	for	ADP
asfbr-1414	273	4	dfid	dfid	PROPN
asfbr-1414	273	5	.	.	PUNCT
asfbr-1414	274	1	porteous	porteous	NOUN
asfbr-1414	274	2	,	,	PUNCT
asfbr-1414	274	3	d.	d.	PROPN
asfbr-1414	274	4	,	,	PUNCT
asfbr-1414	274	5	&	&	CCONJ
asfbr-1414	274	6	wishart	wishart	PROPN
asfbr-1414	274	7	,	,	PUNCT
asfbr-1414	274	8	n.	n.	NOUN
asfbr-1414	274	9	(	(	PUNCT
asfbr-1414	274	10	2006	2006	NUM
asfbr-1414	274	11	)	)	PUNCT
asfbr-1414	274	12	.	.	PUNCT
asfbr-1414	275	1	m‐banking	m‐banke	VERB
asfbr-1414	275	2	:	:	PUNCT
asfbr-1414	275	3	a	a	DET
asfbr-1414	275	4	knowledge	knowledge	NOUN
asfbr-1414	275	5	map	map	NOUN
asfbr-1414	275	6	.	.	PUNCT
asfbr-1414	276	1	washington	washington	PROPN
asfbr-1414	276	2	,	,	PUNCT
asfbr-1414	276	3	dc	dc	PROPN
asfbr-1414	276	4	:	:	PUNCT
asfbr-1414	276	5	infodev	infodev	PROPN
asfbr-1414	276	6	/	/	SYM
asfbr-1414	276	7	world	world	PROPN
asfbr-1414	276	8	bank	bank	PROPN
asfbr-1414	276	9	.	.	PUNCT
asfbr-1414	277	1	retrieved	retrieve	VERB
asfbr-1414	277	2	from	from	ADP
asfbr-1414	277	3	http://www.infodev.org/en/publication.169.html	http://www.infodev.org/en/publication.169.html	PROPN
asfbr-1414	277	4	sayid	sayid	NOUN
asfbr-1414	277	5	,	,	PUNCT
asfbr-1414	277	6	o.	o.	PROPN
asfbr-1414	277	7	,	,	PUNCT
asfbr-1414	277	8	echchabi	echchabi	NOUN
asfbr-1414	277	9	,	,	PUNCT
asfbr-1414	277	10	a.	a.	NOUN
asfbr-1414	277	11	,	,	PUNCT
asfbr-1414	277	12	&	&	CCONJ
asfbr-1414	277	13	aziz	aziz	PROPN
asfbr-1414	277	14	,	,	PUNCT
asfbr-1414	277	15	h.a	h.a	PROPN
asfbr-1414	277	16	.	.	PROPN
asfbr-1414	277	17	(	(	PUNCT
asfbr-1414	277	18	2012	2012	NUM
asfbr-1414	277	19	)	)	PUNCT
asfbr-1414	277	20	.	.	PUNCT
asfbr-1414	278	1	investigating	investigate	VERB
asfbr-1414	278	2	mobile	mobile	ADJ
asfbr-1414	278	3	money	money	NOUN
asfbr-1414	278	4	acceptance	acceptance	NOUN
asfbr-1414	278	5	in	in	ADP
asfbr-1414	278	6	somalia	somalia	PROPN
asfbr-1414	278	7	:	:	PUNCT
asfbr-1414	278	8	an	an	DET
asfbr-1414	278	9	empirical	empirical	ADJ
asfbr-1414	278	10	study	study	NOUN
asfbr-1414	278	11	.	.	PUNCT
asfbr-1414	279	1	pak	pak	PROPN
asfbr-1414	279	2	.	.	PUNCT
asfbr-1414	280	1	j.	j.	PROPN
asfbr-1414	280	2	commer	commer	PROPN
asfbr-1414	280	3	.	.	PUNCT
asfbr-1414	280	4	soc	soc	PROPN
asfbr-1414	280	5	.	.	PUNCT
asfbr-1414	281	1	sci	sci	PROPN
asfbr-1414	281	2	.	.	PROPN
asfbr-1414	281	3	,	,	PUNCT
asfbr-1414	281	4	6(2	6(2	NUM
asfbr-1414	281	5	)	)	PUNCT
asfbr-1414	281	6	,	,	PUNCT
asfbr-1414	281	7	269	269	NUM
asfbr-1414	281	8	-	-	SYM
asfbr-1414	281	9	81	81	NUM
asfbr-1414	281	10	.	.	PUNCT
asfbr-1414	282	1	saskatoon	saskatoon	PROPN
asfbr-1414	282	2	,	,	PUNCT
asfbr-1414	282	3	c.	c.	PROPN
asfbr-1414	282	4	(	(	PUNCT
asfbr-1414	282	5	2018	2018	NUM
asfbr-1414	282	6	)	)	PUNCT
asfbr-1414	282	7	.	.	PUNCT
asfbr-1414	283	1	shaping	shape	VERB
asfbr-1414	283	2	our	our	PRON
asfbr-1414	283	3	financial	financial	ADJ
asfbr-1414	283	4	future	future	NOUN
asfbr-1414	283	5	.	.	PUNCT
asfbr-1414	284	1	group	group	NOUN
asfbr-1414	284	2	.	.	PUNCT
asfbr-1414	285	1	tobbin	tobbin	PROPN
asfbr-1414	285	2	,	,	PUNCT
asfbr-1414	285	3	p.	p.	NOUN
asfbr-1414	285	4	,	,	PUNCT
asfbr-1414	285	5	&	&	CCONJ
asfbr-1414	285	6	kuwornu	kuwornu	PROPN
asfbr-1414	285	7	,	,	PUNCT
asfbr-1414	285	8	j.k.m	j.k.m	PROPN
asfbr-1414	285	9	.	.	PUNCT
asfbr-1414	286	1	(	(	PUNCT
asfbr-1414	286	2	2011	2011	NUM
asfbr-1414	286	3	)	)	PUNCT
asfbr-1414	286	4	.	.	PUNCT
asfbr-1414	287	1	adoption	adoption	NOUN
asfbr-1414	287	2	of	of	ADP
asfbr-1414	287	3	mobile	mobile	ADJ
asfbr-1414	287	4	money	money	NOUN
asfbr-1414	287	5	transfer	transfer	NOUN
asfbr-1414	287	6	technology	technology	NOUN
asfbr-1414	287	7	:	:	PUNCT
asfbr-1414	287	8	structural	structural	ADJ
asfbr-1414	287	9	equation	equation	NOUN
asfbr-1414	287	10	modeling	modeling	NOUN
asfbr-1414	287	11	approach	approach	NOUN
asfbr-1414	287	12	.	.	PUNCT
asfbr-1414	288	1	european	european	PROPN
asfbr-1414	288	2	journal	journal	PROPN
asfbr-1414	288	3	of	of	ADP
asfbr-1414	288	4	business	business	NOUN
asfbr-1414	288	5	and	and	CCONJ
asfbr-1414	288	6	management	management	NOUN
asfbr-1414	288	7	,	,	PUNCT
asfbr-1414	288	8	iii(7	iii(7	PROPN
asfbr-1414	288	9	)	)	PUNCT
asfbr-1414	288	10	,	,	PUNCT
asfbr-1414	288	11	59	59	NUM
asfbr-1414	288	12	-	-	SYM
asfbr-1414	288	13	78	78	NUM
asfbr-1414	288	14	.	.	PUNCT
asfbr-1414	289	1	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-1414	289	2	asian	asian	PROPN
asfbr-1414	289	3	finance	finance	PROPN
asfbr-1414	289	4	&	&	CCONJ
asfbr-1414	289	5	banking	banking	PROPN
asfbr-1414	289	6	review	review	PROPN
asfbr-1414	289	7	vol	vol	NOUN
asfbr-1414	289	8	.	.	PROPN
asfbr-1414	290	1	5	5	NUM
asfbr-1414	290	2	,	,	PUNCT
asfbr-1414	290	3	no	no	INTJ
asfbr-1414	290	4	.	.	NOUN
asfbr-1414	290	5	1	1	NUM
asfbr-1414	290	6	;	;	PUNCT
asfbr-1414	290	7	2021	2021	NUM
asfbr-1414	290	8	53	53	NUM
asfbr-1414	290	9	venkatesh	venkatesh	NOUN
asfbr-1414	290	10	,	,	PUNCT
asfbr-1414	290	11	v.	v.	PROPN
asfbr-1414	290	12	,	,	PUNCT
asfbr-1414	290	13	&	&	CCONJ
asfbr-1414	290	14	davis	davis	PROPN
asfbr-1414	290	15	,	,	PUNCT
asfbr-1414	290	16	f.	f.	PROPN
asfbr-1414	290	17	d.	d.	PROPN
asfbr-1414	290	18	(	(	PUNCT
asfbr-1414	290	19	2000	2000	NUM
asfbr-1414	290	20	)	)	PUNCT
asfbr-1414	290	21	.	.	PUNCT
asfbr-1414	291	1	a	a	DET
asfbr-1414	291	2	theoretical	theoretical	ADJ
asfbr-1414	291	3	extension	extension	NOUN
asfbr-1414	291	4	of	of	ADP
asfbr-1414	291	5	the	the	DET
asfbr-1414	291	6	technology	technology	NOUN
asfbr-1414	291	7	acceptance	acceptance	NOUN
asfbr-1414	291	8	model	model	NOUN
asfbr-1414	291	9	:	:	PUNCT
asfbr-1414	291	10	four	four	NUM
asfbr-1414	291	11	longitudinal	longitudinal	ADJ
asfbr-1414	291	12	field	field	NOUN
asfbr-1414	291	13	studies	study	NOUN
asfbr-1414	291	14	.	.	PUNCT
asfbr-1414	292	1	management	management	NOUN
asfbr-1414	292	2	science	science	NOUN
asfbr-1414	292	3	,	,	PUNCT
asfbr-1414	292	4	46(2	46(2	NOUN
asfbr-1414	292	5	)	)	PUNCT
asfbr-1414	292	6	,	,	PUNCT
asfbr-1414	292	7	186	186	NUM
asfbr-1414	292	8	-	-	SYM
asfbr-1414	292	9	204	204	NUM
asfbr-1414	292	10	.	.	PUNCT
asfbr-1414	293	1	vodafone	vodafone	NOUN
asfbr-1414	293	2	.	.	PUNCT
asfbr-1414	294	1	(	(	PUNCT
asfbr-1414	294	2	2007	2007	NUM
asfbr-1414	294	3	)	)	PUNCT
asfbr-1414	294	4	.	.	PUNCT
asfbr-1414	295	1	the	the	DET
asfbr-1414	295	2	transformational	transformational	ADJ
asfbr-1414	295	3	potential	potential	NOUN
asfbr-1414	295	4	of	of	ADP
asfbr-1414	295	5	m	m	NOUN
asfbr-1414	295	6	-	-	NOUN
asfbr-1414	295	7	transactions	transaction	NOUN
asfbr-1414	295	8	.	.	PUNCT
asfbr-1414	296	1	vodafone	vodafone	NOUN
asfbr-1414	296	2	policy	policy	NOUN
asfbr-1414	296	3	paper	paper	NOUN
asfbr-1414	296	4	series	series	NOUN
asfbr-1414	296	5	.	.	PUNCT
asfbr-1414	297	1	world	world	PROPN
asfbr-1414	297	2	bank	bank	PROPN
asfbr-1414	297	3	.	.	PUNCT
asfbr-1414	298	1	(	(	PUNCT
asfbr-1414	298	2	2012	2012	NUM
asfbr-1414	298	3	)	)	PUNCT
asfbr-1414	298	4	.	.	PUNCT
asfbr-1414	299	1	the	the	DET
asfbr-1414	299	2	little	little	ADJ
asfbr-1414	299	3	data	data	NOUN
asfbr-1414	299	4	book	book	NOUN
asfbr-1414	299	5	on	on	ADP
asfbr-1414	299	6	financial	financial	ADJ
asfbr-1414	299	7	inclusion	inclusion	NOUN
asfbr-1414	299	8	2012	2012	NUM
asfbr-1414	299	9	.	.	PUNCT
asfbr-1414	300	1	international	international	ADJ
asfbr-1414	300	2	bank	bank	PROPN
asfbr-1414	300	3	for	for	ADP
asfbr-1414	300	4	reconstruction	reconstruction	NOUN
asfbr-1414	300	5	and	and	CCONJ
asfbr-1414	300	6	development	development	NOUN
asfbr-1414	300	7	/	/	SYM
asfbr-1414	300	8	the	the	DET
asfbr-1414	300	9	world	world	PROPN
asfbr-1414	300	10	bank	bank	PROPN
asfbr-1414	300	11	.	.	PUNCT
asfbr-1414	301	1	copyrights	copyright	VERB
asfbr-1414	301	2	copyright	copyright	NOUN
asfbr-1414	301	3	for	for	ADP
asfbr-1414	301	4	this	this	DET
asfbr-1414	301	5	article	article	NOUN
asfbr-1414	301	6	is	be	AUX
asfbr-1414	301	7	retained	retain	VERB
asfbr-1414	301	8	by	by	ADP
asfbr-1414	301	9	the	the	DET
asfbr-1414	301	10	author(s	author(s	PROPN
asfbr-1414	301	11	)	)	PUNCT
asfbr-1414	301	12	,	,	PUNCT
asfbr-1414	301	13	with	with	ADP
asfbr-1414	301	14	first	first	ADJ
asfbr-1414	301	15	publication	publication	NOUN
asfbr-1414	301	16	rights	right	NOUN
asfbr-1414	301	17	granted	grant	VERB
asfbr-1414	301	18	to	to	ADP
asfbr-1414	301	19	the	the	DET
asfbr-1414	301	20	journal	journal	NOUN
asfbr-1414	301	21	.	.	PUNCT
asfbr-1414	302	1	this	this	PRON
asfbr-1414	302	2	is	be	AUX
asfbr-1414	302	3	an	an	DET
asfbr-1414	302	4	open	open	ADJ
asfbr-1414	302	5	-	-	PUNCT
asfbr-1414	302	6	access	access	NOUN
asfbr-1414	302	7	article	article	NOUN
asfbr-1414	302	8	distributed	distribute	VERB
asfbr-1414	302	9	under	under	ADP
asfbr-1414	302	10	the	the	DET
asfbr-1414	302	11	terms	term	NOUN
asfbr-1414	302	12	and	and	CCONJ
asfbr-1414	302	13	conditions	condition	NOUN
asfbr-1414	302	14	of	of	ADP
asfbr-1414	302	15	the	the	DET
asfbr-1414	302	16	creative	creative	ADJ
asfbr-1414	302	17	commons	common	NOUN
asfbr-1414	302	18	attribution	attribution	NOUN
asfbr-1414	302	19	license	license	NOUN
asfbr-1414	302	20	(	(	PUNCT
asfbr-1414	302	21	https://creativecommons.org/licenses/by/4.0	https://creativecommons.org/licenses/by/4.0	X
asfbr-1414	302	22	)	)	PUNCT