id	sid	tid	token	lemma	pos
asfbr-2216	1	1	asian	asian	PROPN
asfbr-2216	1	2	finance	finance	PROPN
asfbr-2216	1	3	&	&	CCONJ
asfbr-2216	1	4	banking	banking	PROPN
asfbr-2216	1	5	review	review	NOUN
asfbr-2216	1	6	8(1	8(1	NOUN
asfbr-2216	1	7	)	)	PUNCT
asfbr-2216	1	8	(	(	PUNCT
asfbr-2216	1	9	2024	2024	NUM
asfbr-2216	1	10	)	)	PUNCT
asfbr-2216	1	11	,	,	PUNCT
asfbr-2216	1	12	1	1	NUM
asfbr-2216	1	13	-	-	SYM
asfbr-2216	1	14	12	12	NUM
asfbr-2216	1	15	1	1	NUM
asfbr-2216	1	16	finance	finance	NOUN
asfbr-2216	1	17	&	&	CCONJ
asfbr-2216	1	18	banking	banking	NOUN
asfbr-2216	1	19	review	review	NOUN
asfbr-2216	1	20	asfbr	asfbr	NOUN
asfbr-2216	1	21	vol	vol	NOUN
asfbr-2216	1	22	8	8	NUM
asfbr-2216	1	23	no	no	DET
asfbr-2216	1	24	1	1	NUM
asfbr-2216	1	25	(	(	PUNCT
asfbr-2216	1	26	2024	2024	NUM
asfbr-2216	1	27	)	)	PUNCT
asfbr-2216	1	28	p	p	X
asfbr-2216	1	29	-	-	PUNCT
asfbr-2216	1	30	issn	issn	VERB
asfbr-2216	1	31	2576	2576	NUM
asfbr-2216	1	32	-	-	SYM
asfbr-2216	1	33	1161	1161	NUM
asfbr-2216	1	34	e	e	NOUN
asfbr-2216	1	35	-	-	NOUN
asfbr-2216	1	36	issn	issn	VERB
asfbr-2216	1	37	2576	2576	NUM
asfbr-2216	1	38	-	-	PUNCT
asfbr-2216	1	39	1188	1188	NUM
asfbr-2216	1	40	journal	journal	NOUN
asfbr-2216	1	41	homepage	homepage	NOUN
asfbr-2216	1	42	:	:	PUNCT
asfbr-2216	1	43	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-2216	1	44	published	publish	VERB
asfbr-2216	1	45	by	by	ADP
asfbr-2216	1	46	asian	asian	ADJ
asfbr-2216	1	47	finance	finance	PROPN
asfbr-2216	1	48	&	&	CCONJ
asfbr-2216	1	49	banking	banking	PROPN
asfbr-2216	1	50	society	society	NOUN
asfbr-2216	1	51	,	,	PUNCT
asfbr-2216	1	52	usa	usa	PROPN
asfbr-2216	1	53	determinants	determinant	NOUN
asfbr-2216	1	54	of	of	ADP
asfbr-2216	1	55	customer	customer	NOUN
asfbr-2216	1	56	satisfaction	satisfaction	NOUN
asfbr-2216	1	57	in	in	ADP
asfbr-2216	1	58	retail	retail	ADJ
asfbr-2216	1	59	banking	banking	NOUN
asfbr-2216	1	60	:	:	PUNCT
asfbr-2216	1	61	empirical	empirical	ADJ
asfbr-2216	1	62	evidence	evidence	NOUN
asfbr-2216	1	63	from	from	ADP
asfbr-2216	1	64	japanese	japanese	ADJ
asfbr-2216	1	65	bank	bank	NOUN
asfbr-2216	1	66	customers	customer	NOUN
asfbr-2216	1	67	yuji	yuji	PROPN
asfbr-2216	1	68	mori	mori	PROPN
asfbr-2216	1	69	(	(	PUNCT
asfbr-2216	1	70	a)1	a)1	PROPN
asfbr-2216	1	71	yasufumi	yasufumi	PROPN
asfbr-2216	1	72	ozaki	ozaki	PROPN
asfbr-2216	1	73	(	(	PUNCT
asfbr-2216	1	74	b	b	X
asfbr-2216	1	75	)	)	PUNCT
asfbr-2216	1	76	kozo	kozo	PROPN
asfbr-2216	1	77	harimaya	harimaya	PROPN
asfbr-2216	1	78	(	(	PUNCT
asfbr-2216	1	79	c	c	NOUN
asfbr-2216	1	80	)	)	PUNCT
asfbr-2216	1	81	(	(	PUNCT
asfbr-2216	1	82	a	a	X
asfbr-2216	1	83	)	)	PUNCT
asfbr-2216	1	84	professor	professor	NOUN
asfbr-2216	1	85	,	,	PUNCT
asfbr-2216	1	86	faculty	faculty	NOUN
asfbr-2216	1	87	of	of	ADP
asfbr-2216	1	88	economics	economic	NOUN
asfbr-2216	1	89	,	,	PUNCT
asfbr-2216	1	90	takasaki	takasaki	ADJ
asfbr-2216	1	91	city	city	NOUN
asfbr-2216	1	92	university	university	PROPN
asfbr-2216	1	93	of	of	ADP
asfbr-2216	1	94	economics	economic	NOUN
asfbr-2216	1	95	,	,	PUNCT
asfbr-2216	1	96	gunma	gunma	PROPN
asfbr-2216	1	97	,	,	PUNCT
asfbr-2216	1	98	japan	japan	PROPN
asfbr-2216	1	99	;	;	PUNCT
asfbr-2216	1	100	e	e	X
asfbr-2216	1	101	-	-	NOUN
asfbr-2216	1	102	mail	mail	NOUN
asfbr-2216	1	103	:	:	PUNCT
asfbr-2216	1	104	y.mori@tcue.ac.jp	y.mori@tcue.ac.jp	PROPN
asfbr-2216	1	105	(	(	PUNCT
asfbr-2216	1	106	b	b	NOUN
asfbr-2216	1	107	)	)	PUNCT
asfbr-2216	1	108	professor	professor	NOUN
asfbr-2216	1	109	,	,	PUNCT
asfbr-2216	1	110	faculty	faculty	NOUN
asfbr-2216	1	111	of	of	ADP
asfbr-2216	1	112	economics	economic	NOUN
asfbr-2216	1	113	,	,	PUNCT
asfbr-2216	1	114	kushiro	kushiro	PROPN
asfbr-2216	1	115	public	public	PROPN
asfbr-2216	1	116	university	university	PROPN
asfbr-2216	1	117	of	of	ADP
asfbr-2216	1	118	economics	economics	PROPN
asfbr-2216	1	119	,	,	PUNCT
asfbr-2216	1	120	hokkaido	hokkaido	PROPN
asfbr-2216	1	121	,	,	PUNCT
asfbr-2216	1	122	japan	japan	PROPN
asfbr-2216	1	123	;	;	PUNCT
asfbr-2216	1	124	e	e	X
asfbr-2216	1	125	-	-	NOUN
asfbr-2216	1	126	mail	mail	NOUN
asfbr-2216	1	127	:	:	PUNCT
asfbr-2216	1	128	ozaki@kushiro-pu.ac.jp	ozaki@kushiro-pu.ac.jp	X
asfbr-2216	1	129	(	(	PUNCT
asfbr-2216	1	130	c	c	X
asfbr-2216	1	131	)	)	PUNCT
asfbr-2216	1	132	professor	professor	NOUN
asfbr-2216	1	133	,	,	PUNCT
asfbr-2216	1	134	college	college	NOUN
asfbr-2216	1	135	of	of	ADP
asfbr-2216	1	136	economics	economic	NOUN
asfbr-2216	1	137	,	,	PUNCT
asfbr-2216	1	138	ritsumeikan	ritsumeikan	ADJ
asfbr-2216	1	139	university	university	NOUN
asfbr-2216	1	140	,	,	PUNCT
asfbr-2216	1	141	shiga	shiga	PROPN
asfbr-2216	1	142	,	,	PUNCT
asfbr-2216	1	143	japan	japan	PROPN
asfbr-2216	1	144	;	;	PUNCT
asfbr-2216	1	145	e	e	X
asfbr-2216	1	146	-	-	NOUN
asfbr-2216	1	147	mail	mail	NOUN
asfbr-2216	1	148	:	:	PUNCT
asfbr-2216	1	149	harimaya@fc.ritsumei.ac.jp	harimaya@fc.ritsumei.ac.jp	NOUN
asfbr-2216	1	150	a	a	DET
asfbr-2216	1	151	r	r	NOUN
asfbr-2216	1	152	t	t	NOUN
asfbr-2216	1	153	i	i	PRON
asfbr-2216	1	154	c	c	NOUN
asfbr-2216	1	155	l	l	NOUN
asfbr-2216	1	156	e	e	NOUN
asfbr-2216	2	1	i	i	PRON
asfbr-2216	2	2	n	n	VERB
asfbr-2216	2	3	f	f	NOUN
asfbr-2216	2	4	o	o	NOUN
asfbr-2216	2	5	article	article	NOUN
asfbr-2216	2	6	history	history	NOUN
asfbr-2216	2	7	:	:	PUNCT
asfbr-2216	2	8	received	receive	VERB
asfbr-2216	2	9	:	:	PUNCT
asfbr-2216	2	10	4th	4th	ADJ
asfbr-2216	2	11	march	march	PROPN
asfbr-2216	2	12	2024	2024	NUM
asfbr-2216	2	13	reviewed	review	VERB
asfbr-2216	2	14	&	&	CCONJ
asfbr-2216	2	15	revised	revise	VERB
asfbr-2216	2	16	:	:	PUNCT
asfbr-2216	2	17	5th	5th	ADJ
asfbr-2216	2	18	march	march	NOUN
asfbr-2216	2	19	to	to	ADP
asfbr-2216	2	20	11th	11th	ADJ
asfbr-2216	2	21	june	june	PROPN
asfbr-2216	2	22	2024	2024	NUM
asfbr-2216	2	23	accepted	accept	VERB
asfbr-2216	2	24	:	:	PUNCT
asfbr-2216	2	25	12th	12th	ADJ
asfbr-2216	2	26	june	june	PROPN
asfbr-2216	2	27	2024	2024	NUM
asfbr-2216	2	28	published	publish	VERB
asfbr-2216	2	29	:	:	PUNCT
asfbr-2216	2	30	16th	16th	ADJ
asfbr-2216	2	31	june	june	PROPN
asfbr-2216	2	32	2024	2024	NUM
asfbr-2216	2	33	keywords	keyword	NOUN
asfbr-2216	2	34	:	:	PUNCT
asfbr-2216	2	35	customer	customer	NOUN
asfbr-2216	2	36	satisfaction	satisfaction	NOUN
asfbr-2216	2	37	,	,	PUNCT
asfbr-2216	2	38	ordered	order	VERB
asfbr-2216	2	39	probit	probit	NOUN
asfbr-2216	2	40	analysis	analysis	NOUN
asfbr-2216	2	41	,	,	PUNCT
asfbr-2216	2	42	financial	financial	ADJ
asfbr-2216	2	43	literacy	literacy	NOUN
asfbr-2216	2	44	,	,	PUNCT
asfbr-2216	2	45	security	security	NOUN
asfbr-2216	2	46	investment	investment	NOUN
asfbr-2216	2	47	,	,	PUNCT
asfbr-2216	2	48	financial	financial	ADJ
asfbr-2216	2	49	services	service	NOUN
asfbr-2216	2	50	marketing	marketing	NOUN
asfbr-2216	2	51	,	,	PUNCT
asfbr-2216	2	52	retail	retail	ADJ
asfbr-2216	2	53	banking	banking	NOUN
asfbr-2216	2	54	.	.	PUNCT
asfbr-2216	3	1	jel	jel	PROPN
asfbr-2216	3	2	classification	classification	NOUN
asfbr-2216	3	3	codes	code	NOUN
asfbr-2216	3	4	:	:	PUNCT
asfbr-2216	4	1	g2	g2	PROPN
asfbr-2216	4	2	,	,	PUNCT
asfbr-2216	4	3	g20	g20	PROPN
asfbr-2216	4	4	,	,	PUNCT
asfbr-2216	4	5	g21	g21	PROPN
asfbr-2216	4	6	peer	peer	NOUN
asfbr-2216	4	7	-	-	PUNCT
asfbr-2216	4	8	review	review	NOUN
asfbr-2216	4	9	model	model	NOUN
asfbr-2216	4	10	:	:	PUNCT
asfbr-2216	4	11	external	external	ADJ
asfbr-2216	4	12	peer	peer	NOUN
asfbr-2216	4	13	-	-	PUNCT
asfbr-2216	4	14	review	review	NOUN
asfbr-2216	4	15	was	be	AUX
asfbr-2216	4	16	done	do	VERB
asfbr-2216	4	17	through	through	ADP
asfbr-2216	4	18	double	double	ADJ
asfbr-2216	4	19	-	-	PUNCT
asfbr-2216	4	20	blind	blind	ADJ
asfbr-2216	4	21	method	method	NOUN
asfbr-2216	4	22	.	.	PUNCT
asfbr-2216	5	1	a	a	DET
asfbr-2216	5	2	b	b	PROPN
asfbr-2216	5	3	s	s	ADP
asfbr-2216	5	4	t	t	PROPN
asfbr-2216	5	5	r	r	NOUN
asfbr-2216	5	6	a	a	DET
asfbr-2216	5	7	c	c	NOUN
asfbr-2216	5	8	t	t	NOUN
asfbr-2216	5	9	as	as	ADP
asfbr-2216	5	10	a	a	DET
asfbr-2216	5	11	consumer	consumer	NOUN
asfbr-2216	5	12	-	-	PUNCT
asfbr-2216	5	13	oriented	orient	VERB
asfbr-2216	5	14	service	service	NOUN
asfbr-2216	5	15	industry	industry	NOUN
asfbr-2216	5	16	,	,	PUNCT
asfbr-2216	5	17	the	the	DET
asfbr-2216	5	18	quality	quality	NOUN
asfbr-2216	5	19	of	of	ADP
asfbr-2216	5	20	customer	customer	NOUN
asfbr-2216	5	21	service	service	NOUN
asfbr-2216	5	22	provided	provide	VERB
asfbr-2216	5	23	by	by	ADP
asfbr-2216	5	24	banks	bank	NOUN
asfbr-2216	5	25	and	and	CCONJ
asfbr-2216	5	26	their	their	PRON
asfbr-2216	5	27	customers	customer	NOUN
asfbr-2216	5	28	'	'	PART
asfbr-2216	5	29	overall	overall	ADJ
asfbr-2216	5	30	satisfaction	satisfaction	NOUN
asfbr-2216	5	31	with	with	ADP
asfbr-2216	5	32	their	their	PRON
asfbr-2216	5	33	services	service	NOUN
asfbr-2216	5	34	are	be	AUX
asfbr-2216	5	35	becoming	become	VERB
asfbr-2216	5	36	increasingly	increasingly	ADV
asfbr-2216	5	37	important	important	ADJ
asfbr-2216	5	38	.	.	PUNCT
asfbr-2216	6	1	this	this	DET
asfbr-2216	6	2	study	study	NOUN
asfbr-2216	6	3	examines	examine	VERB
asfbr-2216	6	4	the	the	DET
asfbr-2216	6	5	factors	factor	NOUN
asfbr-2216	6	6	influencing	influence	VERB
asfbr-2216	6	7	customer	customer	NOUN
asfbr-2216	6	8	satisfaction	satisfaction	NOUN
asfbr-2216	6	9	with	with	ADP
asfbr-2216	6	10	banking	banking	NOUN
asfbr-2216	6	11	services	service	NOUN
asfbr-2216	6	12	provided	provide	VERB
asfbr-2216	6	13	by	by	ADP
asfbr-2216	6	14	japanese	japanese	ADJ
asfbr-2216	6	15	regional	regional	ADJ
asfbr-2216	6	16	banks	bank	NOUN
asfbr-2216	6	17	.	.	PUNCT
asfbr-2216	7	1	using	use	VERB
asfbr-2216	7	2	data	datum	NOUN
asfbr-2216	7	3	from	from	ADP
asfbr-2216	7	4	the	the	DET
asfbr-2216	7	5	japan	japan	PROPN
asfbr-2216	7	6	financial	financial	PROPN
asfbr-2216	7	7	institution	institution	NOUN
asfbr-2216	7	8	customer	customer	NOUN
asfbr-2216	7	9	ratings	rating	NOUN
asfbr-2216	7	10	meter	meter	NOUN
asfbr-2216	7	11	®	®	NOUN
asfbr-2216	7	12	of	of	ADP
asfbr-2216	7	13	about	about	ADV
asfbr-2216	7	14	200,000	200,000	NUM
asfbr-2216	7	15	cases	case	NOUN
asfbr-2216	7	16	,	,	PUNCT
asfbr-2216	7	17	we	we	PRON
asfbr-2216	7	18	estimated	estimate	VERB
asfbr-2216	7	19	the	the	DET
asfbr-2216	7	20	factors	factor	NOUN
asfbr-2216	7	21	affecting	affect	VERB
asfbr-2216	7	22	customer	customer	NOUN
asfbr-2216	7	23	satisfaction	satisfaction	NOUN
asfbr-2216	7	24	using	use	VERB
asfbr-2216	7	25	an	an	DET
asfbr-2216	7	26	ordered	order	VERB
asfbr-2216	7	27	probit	probit	NOUN
asfbr-2216	7	28	model	model	NOUN
asfbr-2216	7	29	.	.	PUNCT
asfbr-2216	8	1	the	the	DET
asfbr-2216	8	2	results	result	NOUN
asfbr-2216	8	3	indicate	indicate	VERB
asfbr-2216	8	4	a	a	DET
asfbr-2216	8	5	positive	positive	ADJ
asfbr-2216	8	6	correlation	correlation	NOUN
asfbr-2216	8	7	between	between	ADP
asfbr-2216	8	8	direct	direct	ADJ
asfbr-2216	8	9	financial	financial	ADJ
asfbr-2216	8	10	services	service	NOUN
asfbr-2216	8	11	from	from	ADP
asfbr-2216	8	12	regional	regional	ADJ
asfbr-2216	8	13	banks	bank	NOUN
asfbr-2216	8	14	and	and	CCONJ
asfbr-2216	8	15	customer	customer	NOUN
asfbr-2216	8	16	satisfaction	satisfaction	NOUN
asfbr-2216	8	17	.	.	PUNCT
asfbr-2216	9	1	this	this	DET
asfbr-2216	9	2	relationship	relationship	NOUN
asfbr-2216	9	3	is	be	AUX
asfbr-2216	9	4	solid	solid	ADJ
asfbr-2216	9	5	when	when	SCONJ
asfbr-2216	9	6	customers	customer	NOUN
asfbr-2216	9	7	hold	hold	VERB
asfbr-2216	9	8	investment	investment	NOUN
asfbr-2216	9	9	-	-	PUNCT
asfbr-2216	9	10	related	relate	VERB
asfbr-2216	9	11	products	product	NOUN
asfbr-2216	9	12	.	.	PUNCT
asfbr-2216	10	1	additionally	additionally	ADV
asfbr-2216	10	2	,	,	PUNCT
asfbr-2216	10	3	we	we	PRON
asfbr-2216	10	4	observed	observe	VERB
asfbr-2216	10	5	that	that	SCONJ
asfbr-2216	10	6	individual	individual	ADJ
asfbr-2216	10	7	customer	customer	NOUN
asfbr-2216	10	8	satisfaction	satisfaction	NOUN
asfbr-2216	10	9	tends	tend	VERB
asfbr-2216	10	10	to	to	PART
asfbr-2216	10	11	decline	decline	VERB
asfbr-2216	10	12	with	with	ADP
asfbr-2216	10	13	increasing	increase	VERB
asfbr-2216	10	14	financial	financial	ADJ
asfbr-2216	10	15	asset	asset	NOUN
asfbr-2216	10	16	holdings	holding	NOUN
asfbr-2216	10	17	and	and	CCONJ
asfbr-2216	10	18	increase	increase	NOUN
asfbr-2216	10	19	as	as	SCONJ
asfbr-2216	10	20	customers	customer	NOUN
asfbr-2216	10	21	become	become	VERB
asfbr-2216	10	22	more	more	ADV
asfbr-2216	10	23	financially	financially	ADV
asfbr-2216	10	24	literate	literate	ADJ
asfbr-2216	10	25	.	.	PUNCT
asfbr-2216	11	1	furthermore	furthermore	ADV
asfbr-2216	11	2	,	,	PUNCT
asfbr-2216	11	3	we	we	PRON
asfbr-2216	11	4	noticed	notice	VERB
asfbr-2216	11	5	that	that	SCONJ
asfbr-2216	11	6	customer	customer	NOUN
asfbr-2216	11	7	satisfaction	satisfaction	NOUN
asfbr-2216	11	8	tends	tend	VERB
asfbr-2216	11	9	to	to	PART
asfbr-2216	11	10	be	be	AUX
asfbr-2216	11	11	higher	high	ADJ
asfbr-2216	11	12	for	for	ADP
asfbr-2216	11	13	females	female	NOUN
asfbr-2216	11	14	than	than	ADP
asfbr-2216	11	15	males	male	NOUN
asfbr-2216	11	16	,	,	PUNCT
asfbr-2216	11	17	younger	young	ADJ
asfbr-2216	11	18	people	people	NOUN
asfbr-2216	11	19	than	than	ADP
asfbr-2216	11	20	the	the	DET
asfbr-2216	11	21	elderly	elderly	ADJ
asfbr-2216	11	22	,	,	PUNCT
asfbr-2216	11	23	and	and	CCONJ
asfbr-2216	11	24	occupied	occupy	VERB
asfbr-2216	11	25	customers	customer	NOUN
asfbr-2216	11	26	than	than	ADP
asfbr-2216	11	27	for	for	ADP
asfbr-2216	11	28	unoccupied	unoccupied	ADJ
asfbr-2216	11	29	customers	customer	NOUN
asfbr-2216	11	30	.	.	PUNCT
asfbr-2216	12	1	the	the	DET
asfbr-2216	12	2	findings	finding	NOUN
asfbr-2216	12	3	of	of	ADP
asfbr-2216	12	4	this	this	DET
asfbr-2216	12	5	study	study	NOUN
asfbr-2216	12	6	suggest	suggest	VERB
asfbr-2216	12	7	that	that	SCONJ
asfbr-2216	12	8	customers	customer	NOUN
asfbr-2216	12	9	may	may	AUX
asfbr-2216	12	10	be	be	AUX
asfbr-2216	12	11	more	more	ADV
asfbr-2216	12	12	attracted	attract	VERB
asfbr-2216	12	13	to	to	ADP
asfbr-2216	12	14	regional	regional	ADJ
asfbr-2216	12	15	banks	bank	NOUN
asfbr-2216	12	16	that	that	PRON
asfbr-2216	12	17	provide	provide	VERB
asfbr-2216	12	18	investment	investment	NOUN
asfbr-2216	12	19	information	information	NOUN
asfbr-2216	12	20	and	and	CCONJ
asfbr-2216	12	21	advice	advice	NOUN
asfbr-2216	12	22	tailored	tailor	VERB
asfbr-2216	12	23	to	to	ADP
asfbr-2216	12	24	their	their	PRON
asfbr-2216	12	25	circumstances	circumstance	NOUN
asfbr-2216	12	26	.	.	PUNCT
asfbr-2216	13	1	it	it	PRON
asfbr-2216	13	2	may	may	AUX
asfbr-2216	13	3	be	be	AUX
asfbr-2216	13	4	beneficial	beneficial	ADJ
asfbr-2216	13	5	for	for	SCONJ
asfbr-2216	13	6	regional	regional	ADJ
asfbr-2216	13	7	banks	bank	NOUN
asfbr-2216	13	8	to	to	PART
asfbr-2216	13	9	understand	understand	VERB
asfbr-2216	13	10	better	well	ADJ
asfbr-2216	13	11	factors	factor	NOUN
asfbr-2216	13	12	that	that	PRON
asfbr-2216	13	13	influence	influence	VERB
asfbr-2216	13	14	customer	customer	NOUN
asfbr-2216	13	15	satisfaction	satisfaction	NOUN
asfbr-2216	13	16	,	,	PUNCT
asfbr-2216	13	17	such	such	ADJ
asfbr-2216	13	18	as	as	ADP
asfbr-2216	13	19	the	the	DET
asfbr-2216	13	20	age	age	NOUN
asfbr-2216	13	21	and	and	CCONJ
asfbr-2216	13	22	gender	gender	NOUN
asfbr-2216	13	23	of	of	ADP
asfbr-2216	13	24	their	their	PRON
asfbr-2216	13	25	customers	customer	NOUN
asfbr-2216	13	26	,	,	PUNCT
asfbr-2216	13	27	their	their	PRON
asfbr-2216	13	28	level	level	NOUN
asfbr-2216	13	29	of	of	ADP
asfbr-2216	13	30	financial	financial	ADJ
asfbr-2216	13	31	literacy	literacy	NOUN
asfbr-2216	13	32	,	,	PUNCT
asfbr-2216	13	33	and	and	CCONJ
asfbr-2216	13	34	the	the	DET
asfbr-2216	13	35	amount	amount	NOUN
asfbr-2216	13	36	of	of	ADP
asfbr-2216	13	37	financial	financial	ADJ
asfbr-2216	13	38	assets	asset	NOUN
asfbr-2216	13	39	they	they	PRON
asfbr-2216	13	40	have	have	VERB
asfbr-2216	13	41	.	.	PUNCT
asfbr-2216	14	1	it	it	PRON
asfbr-2216	14	2	would	would	AUX
asfbr-2216	14	3	be	be	AUX
asfbr-2216	14	4	beneficial	beneficial	ADJ
asfbr-2216	14	5	for	for	ADP
asfbr-2216	14	6	regional	regional	ADJ
asfbr-2216	14	7	banks	bank	NOUN
asfbr-2216	14	8	to	to	PART
asfbr-2216	14	9	consider	consider	VERB
asfbr-2216	14	10	these	these	DET
asfbr-2216	14	11	factors	factor	NOUN
asfbr-2216	14	12	and	and	CCONJ
asfbr-2216	14	13	enhance	enhance	VERB
asfbr-2216	14	14	the	the	DET
asfbr-2216	14	15	quality	quality	NOUN
asfbr-2216	14	16	of	of	ADP
asfbr-2216	14	17	their	their	PRON
asfbr-2216	14	18	direct	direct	ADJ
asfbr-2216	14	19	interactions	interaction	NOUN
asfbr-2216	14	20	with	with	ADP
asfbr-2216	14	21	customers	customer	NOUN
asfbr-2216	14	22	and	and	CCONJ
asfbr-2216	14	23	the	the	DET
asfbr-2216	14	24	customer	customer	NOUN
asfbr-2216	14	25	service	service	NOUN
asfbr-2216	14	26	provided	provide	VERB
asfbr-2216	14	27	by	by	ADP
asfbr-2216	14	28	their	their	PRON
asfbr-2216	14	29	staff	staff	NOUN
asfbr-2216	14	30	and	and	CCONJ
asfbr-2216	14	31	call	call	NOUN
asfbr-2216	14	32	centers	center	NOUN
asfbr-2216	14	33	.	.	PUNCT
asfbr-2216	15	1	this	this	PRON
asfbr-2216	15	2	could	could	AUX
asfbr-2216	15	3	help	help	VERB
asfbr-2216	15	4	regional	regional	ADJ
asfbr-2216	15	5	banks	bank	NOUN
asfbr-2216	15	6	build	build	VERB
asfbr-2216	15	7	long	long	ADJ
asfbr-2216	15	8	-	-	PUNCT
asfbr-2216	15	9	term	term	NOUN
asfbr-2216	15	10	,	,	PUNCT
asfbr-2216	15	11	ongoing	ongoing	ADJ
asfbr-2216	15	12	relationships	relationship	NOUN
asfbr-2216	15	13	with	with	ADP
asfbr-2216	15	14	their	their	PRON
asfbr-2216	15	15	customers	customer	NOUN
asfbr-2216	15	16	.	.	PUNCT
asfbr-2216	16	1	©	©	ADP
asfbr-2216	16	2	2024	2024	NUM
asfbr-2216	16	3	by	by	ADP
asfbr-2216	16	4	the	the	DET
asfbr-2216	16	5	authors	author	NOUN
asfbr-2216	16	6	.	.	PUNCT
asfbr-2216	17	1	licensee	licensee	PROPN
asfbr-2216	17	2	asian	asian	PROPN
asfbr-2216	17	3	finance	finance	PROPN
asfbr-2216	17	4	&	&	CCONJ
asfbr-2216	17	5	banking	banking	PROPN
asfbr-2216	17	6	society	society	PROPN
asfbr-2216	17	7	,	,	PUNCT
asfbr-2216	17	8	usa	usa	PROPN
asfbr-2216	17	9	.	.	PROPN
asfbr-2216	18	1	this	this	DET
asfbr-2216	18	2	article	article	NOUN
asfbr-2216	18	3	is	be	AUX
asfbr-2216	18	4	an	an	DET
asfbr-2216	18	5	open	open	ADJ
asfbr-2216	18	6	access	access	NOUN
asfbr-2216	18	7	article	article	NOUN
asfbr-2216	18	8	distributed	distribute	VERB
asfbr-2216	18	9	under	under	ADP
asfbr-2216	18	10	the	the	DET
asfbr-2216	18	11	terms	term	NOUN
asfbr-2216	18	12	and	and	CCONJ
asfbr-2216	18	13	conditions	condition	NOUN
asfbr-2216	18	14	of	of	ADP
asfbr-2216	18	15	the	the	DET
asfbr-2216	18	16	creative	creative	ADJ
asfbr-2216	18	17	commons	common	NOUN
asfbr-2216	18	18	attribution	attribution	NOUN
asfbr-2216	18	19	(	(	PUNCT
asfbr-2216	18	20	cc	cc	NOUN
asfbr-2216	18	21	by	by	ADP
asfbr-2216	18	22	)	)	PUNCT
asfbr-2216	18	23	license	license	NOUN
asfbr-2216	18	24	(	(	PUNCT
asfbr-2216	18	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	18	26	)	)	PUNCT
asfbr-2216	18	27	.	.	PUNCT
asfbr-2216	19	1	introduction	introduction	NOUN
asfbr-2216	19	2	the	the	DET
asfbr-2216	19	3	past	past	ADJ
asfbr-2216	19	4	two	two	NUM
asfbr-2216	19	5	decades	decade	NOUN
asfbr-2216	19	6	have	have	AUX
asfbr-2216	19	7	witnessed	witness	VERB
asfbr-2216	19	8	a	a	DET
asfbr-2216	19	9	profound	profound	ADJ
asfbr-2216	19	10	transformation	transformation	NOUN
asfbr-2216	19	11	within	within	ADP
asfbr-2216	19	12	the	the	DET
asfbr-2216	19	13	banking	banking	NOUN
asfbr-2216	19	14	industry	industry	NOUN
asfbr-2216	19	15	,	,	PUNCT
asfbr-2216	19	16	with	with	ADP
asfbr-2216	19	17	global	global	ADJ
asfbr-2216	19	18	and	and	CCONJ
asfbr-2216	19	19	regional	regional	ADJ
asfbr-2216	19	20	shifts	shift	NOUN
asfbr-2216	19	21	occurring	occur	VERB
asfbr-2216	19	22	concurrently	concurrently	ADV
asfbr-2216	19	23	.	.	PUNCT
asfbr-2216	20	1	the	the	DET
asfbr-2216	20	2	banking	banking	NOUN
asfbr-2216	20	3	industry	industry	NOUN
asfbr-2216	20	4	must	must	AUX
asfbr-2216	20	5	continually	continually	ADV
asfbr-2216	20	6	adapt	adapt	VERB
asfbr-2216	20	7	to	to	ADP
asfbr-2216	20	8	mounting	mount	VERB
asfbr-2216	20	9	competition	competition	NOUN
asfbr-2216	20	10	from	from	ADP
asfbr-2216	20	11	non	non	ADJ
asfbr-2216	20	12	-	-	ADJ
asfbr-2216	20	13	banking	banking	ADJ
asfbr-2216	20	14	financial	financial	ADJ
asfbr-2216	20	15	institutions	institution	NOUN
asfbr-2216	20	16	,	,	PUNCT
asfbr-2216	20	17	shifting	shift	VERB
asfbr-2216	20	18	demographics	demographic	NOUN
asfbr-2216	20	19	and	and	CCONJ
asfbr-2216	20	20	social	social	ADJ
asfbr-2216	20	21	trends	trend	NOUN
asfbr-2216	20	22	,	,	PUNCT
asfbr-2216	20	23	the	the	DET
asfbr-2216	20	24	advent	advent	NOUN
asfbr-2216	20	25	of	of	ADP
asfbr-2216	20	26	information	information	NOUN
asfbr-2216	20	27	technology	technology	NOUN
asfbr-2216	20	28	,	,	PUNCT
asfbr-2216	20	29	such	such	ADJ
asfbr-2216	20	30	as	as	ADP
asfbr-2216	20	31	digital	digital	ADJ
asfbr-2216	20	32	banking	banking	NOUN
asfbr-2216	20	33	,	,	PUNCT
asfbr-2216	20	34	fintech	fintech	NOUN
asfbr-2216	20	35	,	,	PUNCT
asfbr-2216	20	36	and	and	CCONJ
asfbr-2216	20	37	robot	robot	NOUN
asfbr-2216	20	38	advisors	advisor	NOUN
asfbr-2216	20	39	,	,	PUNCT
asfbr-2216	20	40	evolving	evolve	VERB
asfbr-2216	20	41	channel	channel	NOUN
asfbr-2216	20	42	strategies	strategy	NOUN
asfbr-2216	20	43	,	,	PUNCT
asfbr-2216	20	44	and	and	CCONJ
asfbr-2216	20	45	new	new	ADJ
asfbr-2216	20	46	entrants	entrant	NOUN
asfbr-2216	20	47	into	into	ADP
asfbr-2216	20	48	the	the	DET
asfbr-2216	20	49	banking	banking	NOUN
asfbr-2216	20	50	industry	industry	NOUN
asfbr-2216	20	51	.	.	PUNCT
asfbr-2216	21	1	the	the	DET
asfbr-2216	21	2	banking	banking	NOUN
asfbr-2216	21	3	industry	industry	NOUN
asfbr-2216	21	4	has	have	AUX
asfbr-2216	21	5	experienced	experience	VERB
asfbr-2216	21	6	significant	significant	ADJ
asfbr-2216	21	7	disruption	disruption	NOUN
asfbr-2216	21	8	from	from	ADP
asfbr-2216	21	9	non	non	ADJ
asfbr-2216	21	10	-	-	ADJ
asfbr-2216	21	11	banking	banking	ADJ
asfbr-2216	21	12	industries	industry	NOUN
asfbr-2216	21	13	due	due	ADP
asfbr-2216	21	14	to	to	ADP
asfbr-2216	21	15	government	government	NOUN
asfbr-2216	21	16	deregulation	deregulation	NOUN
asfbr-2216	21	17	of	of	ADP
asfbr-2216	21	18	the	the	DET
asfbr-2216	21	19	financial	financial	ADJ
asfbr-2216	21	20	services	service	NOUN
asfbr-2216	21	21	sector	sector	NOUN
asfbr-2216	21	22	,	,	PUNCT
asfbr-2216	21	23	changing	change	VERB
asfbr-2216	21	24	customer	customer	NOUN
asfbr-2216	21	25	preferences	preference	NOUN
asfbr-2216	21	26	and	and	CCONJ
asfbr-2216	21	27	needs	need	NOUN
asfbr-2216	21	28	,	,	PUNCT
asfbr-2216	21	29	and	and	CCONJ
asfbr-2216	21	30	regulatory	regulatory	ADJ
asfbr-2216	21	31	changes	change	NOUN
asfbr-2216	21	32	(	(	PUNCT
asfbr-2216	21	33	annin	annin	PROPN
asfbr-2216	21	34	et	et	PROPN
asfbr-2216	21	35	al	al	PROPN
asfbr-2216	21	36	.	.	PROPN
asfbr-2216	21	37	,	,	PUNCT
asfbr-2216	21	38	2014	2014	NUM
asfbr-2216	21	39	;	;	PUNCT
asfbr-2216	21	40	byers	byer	NOUN
asfbr-2216	21	41	&	&	CCONJ
asfbr-2216	21	42	lederer	lederer	PROPN
asfbr-2216	21	43	,	,	PUNCT
asfbr-2216	21	44	2001	2001	NUM
asfbr-2216	21	45	)	)	PUNCT
asfbr-2216	21	46	.	.	PUNCT
asfbr-2216	22	1	the	the	DET
asfbr-2216	22	2	expansion	expansion	NOUN
asfbr-2216	22	3	of	of	ADP
asfbr-2216	22	4	financial	financial	ADJ
asfbr-2216	22	5	product	product	NOUN
asfbr-2216	22	6	delivery	delivery	NOUN
asfbr-2216	22	7	channels	channel	NOUN
asfbr-2216	22	8	has	have	AUX
asfbr-2216	22	9	prompted	prompt	VERB
asfbr-2216	22	10	banks	bank	NOUN
asfbr-2216	22	11	to	to	PART
asfbr-2216	22	12	adopt	adopt	VERB
asfbr-2216	22	13	a	a	DET
asfbr-2216	22	14	more	more	ADV
asfbr-2216	22	15	assertive	assertive	ADJ
asfbr-2216	22	16	approach	approach	NOUN
asfbr-2216	22	17	to	to	ADP
asfbr-2216	22	18	marketing	market	VERB
asfbr-2216	22	19	new	new	ADJ
asfbr-2216	22	20	and	and	CCONJ
asfbr-2216	22	21	more	more	ADV
asfbr-2216	22	22	sophisticated	sophisticated	ADJ
asfbr-2216	22	23	financial	financial	ADJ
asfbr-2216	22	24	products	product	NOUN
asfbr-2216	22	25	,	,	PUNCT
asfbr-2216	22	26	including	include	VERB
asfbr-2216	22	27	investment	investment	NOUN
asfbr-2216	22	28	trusts	trust	NOUN
asfbr-2216	22	29	and	and	CCONJ
asfbr-2216	22	30	mutual	mutual	ADJ
asfbr-2216	22	31	funds	fund	NOUN
asfbr-2216	22	32	.	.	PUNCT
asfbr-2216	23	1	this	this	DET
asfbr-2216	23	2	expansion	expansion	NOUN
asfbr-2216	23	3	has	have	AUX
asfbr-2216	23	4	led	lead	VERB
asfbr-2216	23	5	to	to	ADP
asfbr-2216	23	6	an	an	DET
asfbr-2216	23	7	increase	increase	NOUN
asfbr-2216	23	8	in	in	ADP
asfbr-2216	23	9	the	the	DET
asfbr-2216	23	10	number	number	NOUN
asfbr-2216	23	11	of	of	ADP
asfbr-2216	23	12	individual	individual	ADJ
asfbr-2216	23	13	investors	investor	NOUN
asfbr-2216	23	14	who	who	PRON
asfbr-2216	23	15	are	be	AUX
asfbr-2216	23	16	actively	actively	ADV
asfbr-2216	23	17	engaged	engage	VERB
asfbr-2216	23	18	in	in	ADP
asfbr-2216	23	19	investing	invest	VERB
asfbr-2216	23	20	in	in	ADP
asfbr-2216	23	21	investment	investment	NOUN
asfbr-2216	23	22	trusts	trust	NOUN
asfbr-2216	23	23	and	and	CCONJ
asfbr-2216	23	24	mutual	mutual	ADJ
asfbr-2216	23	25	funds	fund	NOUN
asfbr-2216	23	26	.	.	PUNCT
asfbr-2216	24	1	in	in	ADP
asfbr-2216	24	2	japan	japan	PROPN
asfbr-2216	24	3	,	,	PUNCT
asfbr-2216	24	4	it	it	PRON
asfbr-2216	24	5	has	have	AUX
asfbr-2216	24	6	become	become	VERB
asfbr-2216	24	7	common	common	ADJ
asfbr-2216	24	8	practice	practice	NOUN
asfbr-2216	24	9	for	for	SCONJ
asfbr-2216	24	10	inexperienced	inexperienced	ADJ
asfbr-2216	24	11	individual	individual	ADJ
asfbr-2216	24	12	investors	investor	NOUN
asfbr-2216	24	13	to	to	PART
asfbr-2216	24	14	commence	commence	VERB
asfbr-2216	24	15	their	their	PRON
asfbr-2216	24	16	participation	participation	NOUN
asfbr-2216	24	17	in	in	ADP
asfbr-2216	24	18	the	the	DET
asfbr-2216	24	19	securities	security	NOUN
asfbr-2216	24	20	market	market	NOUN
asfbr-2216	24	21	by	by	ADP
asfbr-2216	24	22	investing	invest	VERB
asfbr-2216	24	23	in	in	ADP
asfbr-2216	24	24	investment	investment	NOUN
asfbr-2216	24	25	trusts	trust	NOUN
asfbr-2216	24	26	.	.	PUNCT
asfbr-2216	25	1	furthermore	furthermore	ADV
asfbr-2216	25	2	,	,	PUNCT
asfbr-2216	25	3	the	the	DET
asfbr-2216	25	4	continued	continue	VERB
asfbr-2216	25	5	aging	aging	NOUN
asfbr-2216	25	6	of	of	ADP
asfbr-2216	25	7	the	the	DET
asfbr-2216	25	8	population	population	NOUN
asfbr-2216	25	9	has	have	AUX
asfbr-2216	25	10	invested	invest	VERB
asfbr-2216	25	11	in	in	ADP
asfbr-2216	25	12	investment	investment	NOUN
asfbr-2216	25	13	trusts	trust	NOUN
asfbr-2216	25	14	,	,	PUNCT
asfbr-2216	25	15	a	a	DET
asfbr-2216	25	16	more	more	ADV
asfbr-2216	25	17	popular	popular	ADJ
asfbr-2216	25	18	choice	choice	NOUN
asfbr-2216	25	19	among	among	ADP
asfbr-2216	25	20	older	old	ADJ
asfbr-2216	25	21	people	people	NOUN
asfbr-2216	25	22	,	,	PUNCT
asfbr-2216	25	23	who	who	PRON
asfbr-2216	25	24	have	have	AUX
asfbr-2216	25	25	accumulated	accumulate	VERB
asfbr-2216	25	26	more	more	ADJ
asfbr-2216	25	27	assets	asset	NOUN
asfbr-2216	25	28	than	than	ADP
asfbr-2216	25	29	the	the	DET
asfbr-2216	25	30	younger	young	ADJ
asfbr-2216	25	31	generation	generation	NOUN
asfbr-2216	25	32	to	to	PART
asfbr-2216	25	33	fund	fund	VERB
asfbr-2216	25	34	their	their	PRON
asfbr-2216	25	35	retirement	retirement	NOUN
asfbr-2216	25	36	.	.	PUNCT
asfbr-2216	26	1	in	in	ADP
asfbr-2216	26	2	addition	addition	NOUN
asfbr-2216	26	3	,	,	PUNCT
asfbr-2216	26	4	the	the	DET
asfbr-2216	26	5	japanese	japanese	ADJ
asfbr-2216	26	6	government	government	NOUN
asfbr-2216	26	7	has	have	AUX
asfbr-2216	26	8	implemented	implement	VERB
asfbr-2216	26	9	policies	policy	NOUN
asfbr-2216	26	10	to	to	PART
asfbr-2216	26	11	expand	expand	VERB
asfbr-2216	26	12	the	the	DET
asfbr-2216	26	13	nippon	nippon	PROPN
asfbr-2216	26	14	individual	individual	ADJ
asfbr-2216	26	15	saving	saving	NOUN
asfbr-2216	26	16	account	account	NOUN
asfbr-2216	26	17	(	(	PUNCT
asfbr-2216	26	18	nisa	nisa	PROPN
asfbr-2216	26	19	)	)	PUNCT
asfbr-2216	26	20	and	and	CCONJ
asfbr-2216	26	21	defined	define	VERB
asfbr-2216	26	22	contribution	contribution	NOUN
asfbr-2216	26	23	pension	pension	NOUN
asfbr-2216	26	24	plans	plan	NOUN
asfbr-2216	26	25	,	,	PUNCT
asfbr-2216	26	26	which	which	PRON
asfbr-2216	26	27	have	have	AUX
asfbr-2216	26	28	led	lead	VERB
asfbr-2216	26	29	to	to	ADP
asfbr-2216	26	30	a	a	DET
asfbr-2216	26	31	greater	great	ADJ
asfbr-2216	26	32	prevalence	prevalence	NOUN
asfbr-2216	26	33	of	of	ADP
asfbr-2216	26	34	investment	investment	NOUN
asfbr-2216	26	35	in	in	ADP
asfbr-2216	26	36	investment	investment	NOUN
asfbr-2216	26	37	trusts	trust	NOUN
asfbr-2216	26	38	by	by	ADP
asfbr-2216	26	39	individuals	individual	NOUN
asfbr-2216	26	40	.	.	PUNCT
asfbr-2216	27	1	the	the	DET
asfbr-2216	27	2	entry	entry	NOUN
asfbr-2216	27	3	of	of	ADP
asfbr-2216	27	4	individual	individual	ADJ
asfbr-2216	27	5	investors	investor	NOUN
asfbr-2216	27	6	into	into	ADP
asfbr-2216	27	7	the	the	DET
asfbr-2216	27	8	securities	security	NOUN
asfbr-2216	27	9	market	market	NOUN
asfbr-2216	27	10	through	through	ADP
asfbr-2216	27	11	investment	investment	NOUN
asfbr-2216	27	12	trust	trust	NOUN
asfbr-2216	27	13	or	or	CCONJ
asfbr-2216	27	14	mutual	mutual	ADJ
asfbr-2216	27	15	fund	fund	NOUN
asfbr-2216	27	16	investments	investment	NOUN
asfbr-2216	27	17	has	have	AUX
asfbr-2216	27	18	also	also	ADV
asfbr-2216	27	19	been	be	AUX
asfbr-2216	27	20	observed	observe	VERB
asfbr-2216	27	21	in	in	ADP
asfbr-2216	27	22	emerging	emerge	VERB
asfbr-2216	27	23	asian	asian	ADJ
asfbr-2216	27	24	countries	country	NOUN
asfbr-2216	27	25	such	such	ADJ
asfbr-2216	27	26	as	as	ADP
asfbr-2216	27	27	malaysia	malaysia	PROPN
asfbr-2216	27	28	,	,	PUNCT
asfbr-2216	27	29	where	where	SCONJ
asfbr-2216	27	30	1corresponding	1corresponding	NUM
asfbr-2216	27	31	author	author	NOUN
asfbr-2216	27	32	:	:	PUNCT
asfbr-2216	27	33	orcid	orcid	PROPN
asfbr-2216	27	34	i	i	PRON
asfbr-2216	27	35	d	d	NOUN
asfbr-2216	27	36	:	:	PUNCT
asfbr-2216	27	37	000	000	NUM
asfbr-2216	27	38	-	-	PUNCT
asfbr-2216	27	39	0003	0003	NUM
asfbr-2216	27	40	-	-	PUNCT
asfbr-2216	27	41	2034	2034	NUM
asfbr-2216	27	42	-	-	SYM
asfbr-2216	27	43	2262	2262	NUM
asfbr-2216	27	44	©	©	ADP
asfbr-2216	27	45	2024	2024	NUM
asfbr-2216	27	46	by	by	ADP
asfbr-2216	27	47	the	the	DET
asfbr-2216	27	48	authors	author	NOUN
asfbr-2216	27	49	.	.	PUNCT
asfbr-2216	28	1	hosting	host	VERB
asfbr-2216	28	2	by	by	ADP
asfbr-2216	28	3	asian	asian	ADJ
asfbr-2216	28	4	finance	finance	PROPN
asfbr-2216	28	5	&	&	CCONJ
asfbr-2216	28	6	banking	banking	PROPN
asfbr-2216	28	7	society	society	NOUN
asfbr-2216	28	8	.	.	PUNCT
asfbr-2216	29	1	peer	peer	NOUN
asfbr-2216	29	2	review	review	NOUN
asfbr-2216	29	3	under	under	ADP
asfbr-2216	29	4	responsibility	responsibility	NOUN
asfbr-2216	29	5	of	of	ADP
asfbr-2216	29	6	asian	asian	ADJ
asfbr-2216	29	7	finance	finance	PROPN
asfbr-2216	29	8	&	&	CCONJ
asfbr-2216	29	9	banking	banking	PROPN
asfbr-2216	29	10	society	society	PROPN
asfbr-2216	29	11	,	,	PUNCT
asfbr-2216	29	12	usa	usa	PROPN
asfbr-2216	29	13	.	.	PROPN
asfbr-2216	29	14	https://doi.org/10.46281/asfbr.v8i1.2216	https://doi.org/10.46281/asfbr.v8i1.2216	PROPN
asfbr-2216	29	15	to	to	PART
asfbr-2216	29	16	cite	cite	VERB
asfbr-2216	29	17	this	this	DET
asfbr-2216	29	18	article	article	NOUN
asfbr-2216	29	19	:	:	PUNCT
asfbr-2216	29	20	mori	mori	PROPN
asfbr-2216	29	21	,	,	PUNCT
asfbr-2216	29	22	y.	y.	PROPN
asfbr-2216	29	23	,	,	PUNCT
asfbr-2216	29	24	ozaki	ozaki	PROPN
asfbr-2216	29	25	,	,	PUNCT
asfbr-2216	29	26	y.	y.	PROPN
asfbr-2216	29	27	,	,	PUNCT
asfbr-2216	29	28	&	&	CCONJ
asfbr-2216	29	29	harimaya	harimaya	PROPN
asfbr-2216	29	30	,	,	PUNCT
asfbr-2216	29	31	k.	k.	PROPN
asfbr-2216	29	32	(	(	PUNCT
asfbr-2216	29	33	2024	2024	NUM
asfbr-2216	29	34	)	)	PUNCT
asfbr-2216	29	35	.	.	PUNCT
asfbr-2216	30	1	determinants	determinant	NOUN
asfbr-2216	30	2	of	of	ADP
asfbr-2216	30	3	customer	customer	NOUN
asfbr-2216	30	4	satisfaction	satisfaction	NOUN
asfbr-2216	30	5	in	in	ADP
asfbr-2216	30	6	retail	retail	ADJ
asfbr-2216	30	7	banking	banking	NOUN
asfbr-2216	30	8	:	:	PUNCT
asfbr-2216	30	9	empirical	empirical	ADJ
asfbr-2216	30	10	evidence	evidence	NOUN
asfbr-2216	30	11	from	from	ADP
asfbr-2216	30	12	japanese	japanese	ADJ
asfbr-2216	30	13	bank	bank	NOUN
asfbr-2216	30	14	customers	customer	NOUN
asfbr-2216	30	15	.	.	PUNCT
asfbr-2216	31	1	asian	asian	ADJ
asfbr-2216	31	2	finance	finance	PROPN
asfbr-2216	31	3	&	&	CCONJ
asfbr-2216	31	4	banking	banking	PROPN
asfbr-2216	31	5	review	review	PROPN
asfbr-2216	31	6	,	,	PUNCT
asfbr-2216	31	7	8(1	8(1	NOUN
asfbr-2216	31	8	)	)	PUNCT
asfbr-2216	31	9	,	,	PUNCT
asfbr-2216	31	10	1	1	NUM
asfbr-2216	31	11	-	-	SYM
asfbr-2216	31	12	12	12	NUM
asfbr-2216	31	13	.	.	PUNCT
asfbr-2216	32	1	https://doi.org/10.46281/asfbr.v8i1.2216	https://doi.org/10.46281/asfbr.v8i1.2216	PROPN
asfbr-2216	32	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	32	3	)	)	PUNCT
asfbr-2216	32	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	32	5	)	)	PUNCT
asfbr-2216	32	6	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	32	7	)	)	PUNCT
asfbr-2216	32	8	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	32	9	)	)	PUNCT
asfbr-2216	32	10	https://www.openaccess.nl/en	https://www.openaccess.nl/en	NOUN
asfbr-2216	32	11	https://doi.org/10.46281/asfbr.v8i1.2216	https://doi.org/10.46281/asfbr.v8i1.2216	VERB
asfbr-2216	32	12	https://orcid.org/0000-0003-2034-2262	https://orcid.org/0000-0003-2034-2262	PROPN
asfbr-2216	33	1	https://orcid.org/0000-0001-5973-2503	https://orcid.org/0000-0001-5973-2503	INTJ
asfbr-2216	33	2	https://orcid.org/0000-0001-5354-4907	https://orcid.org/0000-0001-5354-4907	PROPN
asfbr-2216	33	3	mori	mori	PROPN
asfbr-2216	33	4	et	et	PROPN
asfbr-2216	33	5	al	al	PROPN
asfbr-2216	33	6	.	.	PROPN
asfbr-2216	33	7	,	,	PUNCT
asfbr-2216	33	8	asian	asian	PROPN
asfbr-2216	33	9	finance	finance	PROPN
asfbr-2216	33	10	&	&	CCONJ
asfbr-2216	33	11	banking	banking	PROPN
asfbr-2216	33	12	review	review	NOUN
asfbr-2216	33	13	8(1	8(1	NOUN
asfbr-2216	33	14	)	)	PUNCT
asfbr-2216	33	15	(	(	PUNCT
asfbr-2216	33	16	2024	2024	NUM
asfbr-2216	33	17	)	)	PUNCT
asfbr-2216	33	18	,	,	PUNCT
asfbr-2216	33	19	1	1	NUM
asfbr-2216	33	20	-	-	SYM
asfbr-2216	33	21	12	12	NUM
asfbr-2216	33	22	2	2	NUM
asfbr-2216	33	23	mutual	mutual	ADJ
asfbr-2216	33	24	fund	fund	NOUN
asfbr-2216	33	25	investments	investment	NOUN
asfbr-2216	33	26	by	by	ADP
asfbr-2216	33	27	individual	individual	ADJ
asfbr-2216	33	28	investors	investor	NOUN
asfbr-2216	33	29	are	be	AUX
asfbr-2216	33	30	becoming	become	VERB
asfbr-2216	33	31	increasingly	increasingly	ADV
asfbr-2216	33	32	prevalent	prevalent	ADJ
asfbr-2216	33	33	(	(	PUNCT
asfbr-2216	33	34	mahdzan	mahdzan	X
asfbr-2216	33	35	et	et	PROPN
asfbr-2216	33	36	al	al	PROPN
asfbr-2216	33	37	.	.	PROPN
asfbr-2216	33	38	,	,	PUNCT
asfbr-2216	33	39	2020	2020	NUM
asfbr-2216	33	40	;	;	PUNCT
asfbr-2216	33	41	ripain	ripain	NOUN
asfbr-2216	33	42	&	&	CCONJ
asfbr-2216	33	43	ahmad	ahmad	PROPN
asfbr-2216	33	44	,	,	PUNCT
asfbr-2216	33	45	2018	2018	NUM
asfbr-2216	33	46	)	)	PUNCT
asfbr-2216	33	47	.	.	PUNCT
asfbr-2216	34	1	comprehensive	comprehensive	ADJ
asfbr-2216	34	2	financial	financial	ADJ
asfbr-2216	34	3	services	service	NOUN
asfbr-2216	34	4	,	,	PUNCT
asfbr-2216	34	5	including	include	VERB
asfbr-2216	34	6	investment	investment	NOUN
asfbr-2216	34	7	advice	advice	NOUN
asfbr-2216	34	8	and	and	CCONJ
asfbr-2216	34	9	financial	financial	ADJ
asfbr-2216	34	10	planning	planning	NOUN
asfbr-2216	34	11	,	,	PUNCT
asfbr-2216	34	12	have	have	AUX
asfbr-2216	34	13	become	become	VERB
asfbr-2216	34	14	crucial	crucial	ADJ
asfbr-2216	34	15	to	to	ADP
asfbr-2216	34	16	banks	bank	NOUN
asfbr-2216	34	17	'	'	PART
asfbr-2216	34	18	retail	retail	ADJ
asfbr-2216	34	19	business	business	NOUN
asfbr-2216	34	20	.	.	PUNCT
asfbr-2216	35	1	moreover	moreover	ADV
asfbr-2216	35	2	,	,	PUNCT
asfbr-2216	35	3	the	the	DET
asfbr-2216	35	4	perspective	perspective	NOUN
asfbr-2216	35	5	from	from	ADP
asfbr-2216	35	6	which	which	PRON
asfbr-2216	35	7	individual	individual	ADJ
asfbr-2216	35	8	customers	customer	NOUN
asfbr-2216	35	9	evaluate	evaluate	VERB
asfbr-2216	35	10	financial	financial	ADJ
asfbr-2216	35	11	institutions	institution	NOUN
asfbr-2216	35	12	is	be	AUX
asfbr-2216	35	13	transforming	transform	VERB
asfbr-2216	35	14	.	.	PUNCT
asfbr-2216	36	1	in	in	ADP
asfbr-2216	36	2	addition	addition	NOUN
asfbr-2216	36	3	to	to	ADP
asfbr-2216	36	4	traditional	traditional	ADJ
asfbr-2216	36	5	evaluation	evaluation	NOUN
asfbr-2216	36	6	items	item	NOUN
asfbr-2216	36	7	such	such	ADJ
asfbr-2216	36	8	as	as	ADP
asfbr-2216	36	9	accuracy	accuracy	NOUN
asfbr-2216	36	10	and	and	CCONJ
asfbr-2216	36	11	speed	speed	NOUN
asfbr-2216	36	12	,	,	PUNCT
asfbr-2216	36	13	the	the	DET
asfbr-2216	36	14	quality	quality	NOUN
asfbr-2216	36	15	of	of	ADP
asfbr-2216	36	16	financial	financial	ADJ
asfbr-2216	36	17	services	service	NOUN
asfbr-2216	36	18	,	,	PUNCT
asfbr-2216	36	19	including	include	VERB
asfbr-2216	36	20	customer	customer	NOUN
asfbr-2216	36	21	support	support	NOUN
asfbr-2216	36	22	and	and	CCONJ
asfbr-2216	36	23	counseling	counseling	NOUN
asfbr-2216	36	24	,	,	PUNCT
asfbr-2216	36	25	and	and	CCONJ
asfbr-2216	36	26	customer	customer	NOUN
asfbr-2216	36	27	satisfaction	satisfaction	NOUN
asfbr-2216	36	28	with	with	ADP
asfbr-2216	36	29	these	these	DET
asfbr-2216	36	30	services	service	NOUN
asfbr-2216	36	31	are	be	AUX
asfbr-2216	36	32	becoming	become	VERB
asfbr-2216	36	33	increasingly	increasingly	ADV
asfbr-2216	36	34	important	important	ADJ
asfbr-2216	36	35	(	(	PUNCT
asfbr-2216	36	36	ananda	ananda	PROPN
asfbr-2216	36	37	&	&	CCONJ
asfbr-2216	36	38	devesh	devesh	PROPN
asfbr-2216	36	39	,	,	PUNCT
asfbr-2216	36	40	2018	2018	NUM
asfbr-2216	36	41	)	)	PUNCT
asfbr-2216	36	42	.	.	PUNCT
asfbr-2216	37	1	it	it	PRON
asfbr-2216	37	2	has	have	AUX
asfbr-2216	37	3	been	be	AUX
asfbr-2216	37	4	proposed	propose	VERB
asfbr-2216	37	5	that	that	SCONJ
asfbr-2216	37	6	enhancing	enhance	VERB
asfbr-2216	37	7	customer	customer	NOUN
asfbr-2216	37	8	satisfaction	satisfaction	NOUN
asfbr-2216	37	9	also	also	ADV
asfbr-2216	37	10	influences	influence	VERB
asfbr-2216	37	11	bank	bank	NOUN
asfbr-2216	37	12	profitability	profitability	NOUN
asfbr-2216	37	13	(	(	PUNCT
asfbr-2216	37	14	anderson	anderson	PROPN
asfbr-2216	37	15	et	et	PROPN
asfbr-2216	37	16	al	al	PROPN
asfbr-2216	37	17	.	.	PROPN
asfbr-2216	37	18	,	,	PUNCT
asfbr-2216	37	19	1994	1994	NUM
asfbr-2216	37	20	;	;	PUNCT
asfbr-2216	37	21	nagar	nagar	PROPN
asfbr-2216	37	22	&	&	CCONJ
asfbr-2216	37	23	rajan	rajan	PROPN
asfbr-2216	37	24	,	,	PUNCT
asfbr-2216	37	25	2005	2005	NUM
asfbr-2216	37	26	)	)	PUNCT
asfbr-2216	37	27	,	,	PUNCT
asfbr-2216	37	28	and	and	CCONJ
asfbr-2216	37	29	improving	improve	VERB
asfbr-2216	37	30	customer	customer	NOUN
asfbr-2216	37	31	satisfaction	satisfaction	NOUN
asfbr-2216	37	32	has	have	AUX
asfbr-2216	37	33	emerged	emerge	VERB
asfbr-2216	37	34	as	as	ADP
asfbr-2216	37	35	a	a	DET
asfbr-2216	37	36	pivotal	pivotal	ADJ
asfbr-2216	37	37	strategic	strategic	ADJ
asfbr-2216	37	38	objective	objective	NOUN
asfbr-2216	37	39	for	for	ADP
asfbr-2216	37	40	bank	bank	NOUN
asfbr-2216	37	41	management	management	NOUN
asfbr-2216	37	42	.	.	PUNCT
asfbr-2216	38	1	a	a	DET
asfbr-2216	38	2	substantial	substantial	ADJ
asfbr-2216	38	3	body	body	NOUN
asfbr-2216	38	4	of	of	ADP
asfbr-2216	38	5	research	research	NOUN
asfbr-2216	38	6	has	have	AUX
asfbr-2216	38	7	been	be	AUX
asfbr-2216	38	8	conducted	conduct	VERB
asfbr-2216	38	9	on	on	ADP
asfbr-2216	38	10	evaluating	evaluate	VERB
asfbr-2216	38	11	banks	bank	NOUN
asfbr-2216	38	12	'	'	PART
asfbr-2216	38	13	retail	retail	ADJ
asfbr-2216	38	14	services	service	NOUN
asfbr-2216	38	15	and	and	CCONJ
asfbr-2216	38	16	customer	customer	NOUN
asfbr-2216	38	17	satisfaction	satisfaction	NOUN
asfbr-2216	38	18	with	with	ADP
asfbr-2216	38	19	their	their	PRON
asfbr-2216	38	20	clients	client	NOUN
asfbr-2216	38	21	,	,	PUNCT
asfbr-2216	38	22	including	include	VERB
asfbr-2216	38	23	an	an	DET
asfbr-2216	38	24	analysis	analysis	NOUN
asfbr-2216	38	25	of	of	ADP
asfbr-2216	38	26	e	e	NOUN
asfbr-2216	38	27	-	-	NOUN
asfbr-2216	38	28	banking	banking	NOUN
asfbr-2216	38	29	(	(	PUNCT
asfbr-2216	38	30	ananda	ananda	PROPN
asfbr-2216	38	31	et	et	PROPN
asfbr-2216	38	32	al	al	PROPN
asfbr-2216	38	33	.	.	PROPN
asfbr-2216	38	34	,	,	PUNCT
asfbr-2216	38	35	2023	2023	NUM
asfbr-2216	38	36	;	;	PUNCT
asfbr-2216	38	37	cambrafierro	cambrafierro	NOUN
asfbr-2216	38	38	et	et	PROPN
asfbr-2216	38	39	al	al	PROPN
asfbr-2216	38	40	.	.	PROPN
asfbr-2216	38	41	,	,	PUNCT
asfbr-2216	38	42	2017	2017	NUM
asfbr-2216	38	43	;	;	PUNCT
asfbr-2216	38	44	egala	egala	NOUN
asfbr-2216	38	45	et	et	PROPN
asfbr-2216	38	46	al	al	PROPN
asfbr-2216	38	47	.	.	PROPN
asfbr-2216	38	48	,	,	PUNCT
asfbr-2216	38	49	2021	2021	NUM
asfbr-2216	38	50	;	;	PUNCT
asfbr-2216	38	51	kaur	kaur	PROPN
asfbr-2216	38	52	et	et	PROPN
asfbr-2216	38	53	al	al	PROPN
asfbr-2216	38	54	.	.	PROPN
asfbr-2216	38	55	,	,	PUNCT
asfbr-2216	38	56	2021	2021	NUM
asfbr-2216	38	57	;	;	PUNCT
asfbr-2216	38	58	pakurár	pakurár	ADJ
asfbr-2216	38	59	et	et	PROPN
asfbr-2216	38	60	al	al	PROPN
asfbr-2216	38	61	.	.	PROPN
asfbr-2216	38	62	,	,	PUNCT
asfbr-2216	38	63	2019	2019	NUM
asfbr-2216	38	64	)	)	PUNCT
asfbr-2216	38	65	.	.	PUNCT
asfbr-2216	39	1	nevertheless	nevertheless	ADV
asfbr-2216	39	2	,	,	PUNCT
asfbr-2216	39	3	to	to	ADP
asfbr-2216	39	4	date	date	NOUN
asfbr-2216	39	5	,	,	PUNCT
asfbr-2216	39	6	no	no	DET
asfbr-2216	39	7	study	study	NOUN
asfbr-2216	39	8	has	have	AUX
asfbr-2216	39	9	been	be	AUX
asfbr-2216	39	10	conducted	conduct	VERB
asfbr-2216	39	11	on	on	ADP
asfbr-2216	39	12	customer	customer	NOUN
asfbr-2216	39	13	satisfaction	satisfaction	NOUN
asfbr-2216	39	14	among	among	ADP
asfbr-2216	39	15	users	user	NOUN
asfbr-2216	39	16	of	of	ADP
asfbr-2216	39	17	banking	banking	NOUN
asfbr-2216	39	18	services	service	NOUN
asfbr-2216	39	19	,	,	PUNCT
asfbr-2216	39	20	focusing	focus	VERB
asfbr-2216	39	21	on	on	ADP
asfbr-2216	39	22	their	their	PRON
asfbr-2216	39	23	investment	investment	NOUN
asfbr-2216	39	24	advice	advice	NOUN
asfbr-2216	39	25	rather	rather	ADV
asfbr-2216	39	26	than	than	ADP
asfbr-2216	39	27	on	on	ADP
asfbr-2216	39	28	a	a	DET
asfbr-2216	39	29	specific	specific	ADJ
asfbr-2216	39	30	bank	bank	NOUN
asfbr-2216	39	31	.	.	PUNCT
asfbr-2216	40	1	instead	instead	ADV
asfbr-2216	40	2	,	,	PUNCT
asfbr-2216	40	3	we	we	PRON
asfbr-2216	40	4	conducted	conduct	VERB
asfbr-2216	40	5	a	a	DET
asfbr-2216	40	6	study	study	NOUN
asfbr-2216	40	7	on	on	ADP
asfbr-2216	40	8	users	user	NOUN
asfbr-2216	40	9	'	'	PART
asfbr-2216	40	10	data	datum	NOUN
asfbr-2216	40	11	of	of	ADP
asfbr-2216	40	12	many	many	ADJ
asfbr-2216	40	13	banks	bank	NOUN
asfbr-2216	40	14	.	.	PUNCT
asfbr-2216	41	1	this	this	DET
asfbr-2216	41	2	study	study	NOUN
asfbr-2216	41	3	examines	examine	VERB
asfbr-2216	41	4	the	the	DET
asfbr-2216	41	5	factors	factor	NOUN
asfbr-2216	41	6	that	that	PRON
asfbr-2216	41	7	influence	influence	VERB
asfbr-2216	41	8	customer	customer	NOUN
asfbr-2216	41	9	satisfaction	satisfaction	NOUN
asfbr-2216	41	10	among	among	ADP
asfbr-2216	41	11	japanese	japanese	ADJ
asfbr-2216	41	12	regional	regional	ADJ
asfbr-2216	41	13	banks	bank	NOUN
asfbr-2216	41	14	.	.	PUNCT
asfbr-2216	42	1	japanese	japanese	ADJ
asfbr-2216	42	2	regional	regional	ADJ
asfbr-2216	42	3	banks	bank	NOUN
asfbr-2216	42	4	maintain	maintain	VERB
asfbr-2216	42	5	a	a	DET
asfbr-2216	42	6	dense	dense	ADJ
asfbr-2216	42	7	branch	branch	NOUN
asfbr-2216	42	8	network	network	NOUN
asfbr-2216	42	9	within	within	ADP
asfbr-2216	42	10	the	the	DET
asfbr-2216	42	11	prefecture	prefecture	NOUN
asfbr-2216	42	12	of	of	ADP
asfbr-2216	42	13	their	their	PRON
asfbr-2216	42	14	head	head	NOUN
asfbr-2216	42	15	office	office	NOUN
asfbr-2216	42	16	,	,	PUNCT
asfbr-2216	42	17	including	include	VERB
asfbr-2216	42	18	urban	urban	ADJ
asfbr-2216	42	19	and	and	CCONJ
asfbr-2216	42	20	regional	regional	ADJ
asfbr-2216	42	21	areas	area	NOUN
asfbr-2216	42	22	.	.	PUNCT
asfbr-2216	43	1	they	they	PRON
asfbr-2216	43	2	provide	provide	VERB
asfbr-2216	43	3	services	service	NOUN
asfbr-2216	43	4	that	that	PRON
asfbr-2216	43	5	are	be	AUX
asfbr-2216	43	6	closely	closely	ADV
asfbr-2216	43	7	linked	link	VERB
asfbr-2216	43	8	to	to	ADP
asfbr-2216	43	9	individual	individual	ADJ
asfbr-2216	43	10	customers	customer	NOUN
asfbr-2216	43	11	.	.	PUNCT
asfbr-2216	44	1	concentrating	concentrate	VERB
asfbr-2216	44	2	on	on	ADP
asfbr-2216	44	3	regional	regional	ADJ
asfbr-2216	44	4	banks	bank	NOUN
asfbr-2216	44	5	was	be	AUX
asfbr-2216	44	6	preferable	preferable	ADJ
asfbr-2216	44	7	to	to	PART
asfbr-2216	44	8	comprehend	comprehend	VERB
asfbr-2216	44	9	the	the	DET
asfbr-2216	44	10	patterns	pattern	NOUN
asfbr-2216	44	11	of	of	ADP
asfbr-2216	44	12	customers	customer	NOUN
asfbr-2216	44	13	utilizing	utilize	VERB
asfbr-2216	44	14	financial	financial	ADJ
asfbr-2216	44	15	services	service	NOUN
asfbr-2216	44	16	in	in	ADP
asfbr-2216	44	17	japan	japan	PROPN
asfbr-2216	44	18	as	as	ADP
asfbr-2216	44	19	a	a	DET
asfbr-2216	44	20	whole	whole	NOUN
asfbr-2216	44	21	,	,	PUNCT
asfbr-2216	44	22	including	include	VERB
asfbr-2216	44	23	in	in	ADP
asfbr-2216	44	24	the	the	DET
asfbr-2216	44	25	regions	region	NOUN
asfbr-2216	44	26	,	,	PUNCT
asfbr-2216	44	27	and	and	CCONJ
asfbr-2216	44	28	to	to	PART
asfbr-2216	44	29	evaluate	evaluate	VERB
asfbr-2216	44	30	the	the	DET
asfbr-2216	44	31	quality	quality	NOUN
asfbr-2216	44	32	and	and	CCONJ
asfbr-2216	44	33	quantity	quantity	NOUN
asfbr-2216	44	34	of	of	ADP
asfbr-2216	44	35	financial	financial	ADJ
asfbr-2216	44	36	services	service	NOUN
asfbr-2216	44	37	.	.	PUNCT
asfbr-2216	45	1	this	this	DET
asfbr-2216	45	2	study	study	NOUN
asfbr-2216	45	3	examines	examine	VERB
asfbr-2216	45	4	the	the	DET
asfbr-2216	45	5	factors	factor	NOUN
asfbr-2216	45	6	influencing	influence	VERB
asfbr-2216	45	7	customer	customer	NOUN
asfbr-2216	45	8	satisfaction	satisfaction	NOUN
asfbr-2216	45	9	with	with	ADP
asfbr-2216	45	10	banking	banking	NOUN
asfbr-2216	45	11	services	service	NOUN
asfbr-2216	45	12	,	,	PUNCT
asfbr-2216	45	13	focusing	focus	VERB
asfbr-2216	45	14	on	on	ADP
asfbr-2216	45	15	the	the	DET
asfbr-2216	45	16	influence	influence	NOUN
asfbr-2216	45	17	of	of	ADP
asfbr-2216	45	18	information	information	NOUN
asfbr-2216	45	19	channels	channel	NOUN
asfbr-2216	45	20	and	and	CCONJ
asfbr-2216	45	21	the	the	DET
asfbr-2216	45	22	content	content	NOUN
asfbr-2216	45	23	of	of	ADP
asfbr-2216	45	24	investment	investment	NOUN
asfbr-2216	45	25	advice	advice	NOUN
asfbr-2216	45	26	.	.	PUNCT
asfbr-2216	46	1	the	the	DET
asfbr-2216	46	2	analysis	analysis	NOUN
asfbr-2216	46	3	will	will	AUX
asfbr-2216	46	4	consider	consider	VERB
asfbr-2216	46	5	several	several	ADJ
asfbr-2216	46	6	socio	socio	NOUN
asfbr-2216	46	7	-	-	ADJ
asfbr-2216	46	8	demographic	demographic	ADJ
asfbr-2216	46	9	factors	factor	NOUN
asfbr-2216	46	10	,	,	PUNCT
asfbr-2216	46	11	including	include	VERB
asfbr-2216	46	12	the	the	DET
asfbr-2216	46	13	client	client	NOUN
asfbr-2216	46	14	's	's	PART
asfbr-2216	46	15	age	age	NOUN
asfbr-2216	46	16	group	group	NOUN
asfbr-2216	46	17	,	,	PUNCT
asfbr-2216	46	18	gender	gender	NOUN
asfbr-2216	46	19	,	,	PUNCT
asfbr-2216	46	20	asset	asset	NOUN
asfbr-2216	46	21	level	level	NOUN
asfbr-2216	46	22	,	,	PUNCT
asfbr-2216	46	23	and	and	CCONJ
asfbr-2216	46	24	financial	financial	ADJ
asfbr-2216	46	25	literacy	literacy	NOUN
asfbr-2216	46	26	.	.	PUNCT
asfbr-2216	47	1	in	in	ADP
asfbr-2216	47	2	this	this	DET
asfbr-2216	47	3	study	study	NOUN
asfbr-2216	47	4	,	,	PUNCT
asfbr-2216	47	5	we	we	PRON
asfbr-2216	47	6	employed	employ	VERB
asfbr-2216	47	7	the	the	DET
asfbr-2216	47	8	japan	japan	PROPN
asfbr-2216	47	9	financial	financial	PROPN
asfbr-2216	47	10	institution	institution	NOUN
asfbr-2216	47	11	customer	customer	NOUN
asfbr-2216	47	12	ratings	rating	NOUN
asfbr-2216	47	13	meter	meter	NOUN
asfbr-2216	47	14	®	®	PROPN
asfbr-2216	47	15	,	,	PUNCT
asfbr-2216	47	16	a	a	DET
asfbr-2216	47	17	distinctive	distinctive	ADJ
asfbr-2216	47	18	and	and	CCONJ
asfbr-2216	47	19	expansive	expansive	ADJ
asfbr-2216	47	20	database	database	NOUN
asfbr-2216	47	21	that	that	PRON
asfbr-2216	47	22	has	have	AUX
asfbr-2216	47	23	not	not	PART
asfbr-2216	47	24	been	be	AUX
asfbr-2216	47	25	extensively	extensively	ADV
asfbr-2216	47	26	utilized	utilize	VERB
asfbr-2216	47	27	to	to	ADP
asfbr-2216	47	28	date	date	NOUN
asfbr-2216	47	29	,	,	PUNCT
asfbr-2216	47	30	to	to	PART
asfbr-2216	47	31	investigate	investigate	VERB
asfbr-2216	47	32	the	the	DET
asfbr-2216	47	33	factors	factor	NOUN
asfbr-2216	47	34	influencing	influence	VERB
asfbr-2216	47	35	customer	customer	NOUN
asfbr-2216	47	36	satisfaction	satisfaction	NOUN
asfbr-2216	47	37	,	,	PUNCT
asfbr-2216	47	38	focusing	focus	VERB
asfbr-2216	47	39	on	on	ADP
asfbr-2216	47	40	socio	socio	NOUN
asfbr-2216	47	41	-	-	ADJ
asfbr-2216	47	42	demographic	demographic	ADJ
asfbr-2216	47	43	variables	variable	NOUN
asfbr-2216	47	44	.	.	PUNCT
asfbr-2216	48	1	we	we	PRON
asfbr-2216	48	2	employed	employ	VERB
asfbr-2216	48	3	an	an	DET
asfbr-2216	48	4	ordered	order	VERB
asfbr-2216	48	5	probit	probit	NOUN
asfbr-2216	48	6	model	model	NOUN
asfbr-2216	48	7	to	to	PART
asfbr-2216	48	8	analyze	analyze	VERB
asfbr-2216	48	9	the	the	DET
asfbr-2216	48	10	data	datum	NOUN
asfbr-2216	48	11	.	.	PUNCT
asfbr-2216	49	1	the	the	DET
asfbr-2216	49	2	remainder	remainder	NOUN
asfbr-2216	49	3	of	of	ADP
asfbr-2216	49	4	this	this	DET
asfbr-2216	49	5	paper	paper	NOUN
asfbr-2216	49	6	is	be	AUX
asfbr-2216	49	7	organized	organize	VERB
asfbr-2216	49	8	as	as	SCONJ
asfbr-2216	49	9	follows	follow	VERB
asfbr-2216	49	10	:	:	PUNCT
asfbr-2216	49	11	the	the	DET
asfbr-2216	49	12	subsequent	subsequent	ADJ
asfbr-2216	49	13	section	section	NOUN
asfbr-2216	49	14	reviews	review	VERB
asfbr-2216	49	15	the	the	DET
asfbr-2216	49	16	pertinent	pertinent	ADJ
asfbr-2216	49	17	literature	literature	NOUN
asfbr-2216	49	18	and	and	CCONJ
asfbr-2216	49	19	develops	develop	VERB
asfbr-2216	49	20	the	the	DET
asfbr-2216	49	21	hypotheses	hypothesis	NOUN
asfbr-2216	49	22	.	.	PUNCT
asfbr-2216	50	1	section	section	NOUN
asfbr-2216	50	2	3	3	NUM
asfbr-2216	50	3	presents	present	VERB
asfbr-2216	50	4	the	the	DET
asfbr-2216	50	5	data	datum	NOUN
asfbr-2216	50	6	and	and	CCONJ
asfbr-2216	50	7	methodology	methodology	NOUN
asfbr-2216	50	8	employed	employ	VERB
asfbr-2216	50	9	in	in	ADP
asfbr-2216	50	10	this	this	DET
asfbr-2216	50	11	analysis	analysis	NOUN
asfbr-2216	50	12	.	.	PUNCT
asfbr-2216	51	1	section	section	NOUN
asfbr-2216	51	2	4	4	NUM
asfbr-2216	51	3	presents	present	VERB
asfbr-2216	51	4	the	the	DET
asfbr-2216	51	5	estimated	estimate	VERB
asfbr-2216	51	6	model	model	NOUN
asfbr-2216	51	7	's	's	PART
asfbr-2216	51	8	findings	finding	NOUN
asfbr-2216	51	9	,	,	PUNCT
asfbr-2216	51	10	while	while	SCONJ
asfbr-2216	51	11	section	section	NOUN
asfbr-2216	51	12	5	5	NUM
asfbr-2216	51	13	discusses	discuss	VERB
asfbr-2216	51	14	the	the	DET
asfbr-2216	51	15	results	result	NOUN
asfbr-2216	51	16	.	.	PUNCT
asfbr-2216	52	1	finally	finally	ADV
asfbr-2216	52	2	,	,	PUNCT
asfbr-2216	52	3	section	section	NOUN
asfbr-2216	52	4	6	6	NUM
asfbr-2216	52	5	contains	contain	VERB
asfbr-2216	52	6	concluding	conclude	VERB
asfbr-2216	52	7	remarks	remark	NOUN
asfbr-2216	52	8	.	.	PUNCT
asfbr-2216	53	1	literature	literature	NOUN
asfbr-2216	53	2	review	review	PROPN
asfbr-2216	53	3	effect	effect	NOUN
asfbr-2216	53	4	of	of	ADP
asfbr-2216	53	5	advice	advice	NOUN
asfbr-2216	53	6	on	on	ADP
asfbr-2216	53	7	customer	customer	NOUN
asfbr-2216	53	8	satisfaction	satisfaction	NOUN
asfbr-2216	53	9	several	several	ADJ
asfbr-2216	53	10	studies	study	NOUN
asfbr-2216	53	11	have	have	AUX
asfbr-2216	53	12	demonstrated	demonstrate	VERB
asfbr-2216	53	13	that	that	SCONJ
asfbr-2216	53	14	individual	individual	ADJ
asfbr-2216	53	15	customers	customer	NOUN
asfbr-2216	53	16	of	of	ADP
asfbr-2216	53	17	financial	financial	ADJ
asfbr-2216	53	18	institutions	institution	NOUN
asfbr-2216	53	19	are	be	AUX
asfbr-2216	53	20	influenced	influence	VERB
asfbr-2216	53	21	by	by	ADP
asfbr-2216	53	22	the	the	DET
asfbr-2216	53	23	investment	investment	NOUN
asfbr-2216	53	24	advice	advice	NOUN
asfbr-2216	53	25	and	and	CCONJ
asfbr-2216	53	26	information	information	NOUN
asfbr-2216	53	27	provided	provide	VERB
asfbr-2216	53	28	by	by	ADP
asfbr-2216	53	29	financial	financial	ADJ
asfbr-2216	53	30	institutions	institution	NOUN
asfbr-2216	53	31	in	in	ADP
asfbr-2216	53	32	the	the	DET
asfbr-2216	53	33	execution	execution	NOUN
asfbr-2216	53	34	of	of	ADP
asfbr-2216	53	35	their	their	PRON
asfbr-2216	53	36	customers	customer	NOUN
asfbr-2216	53	37	'	'	PART
asfbr-2216	53	38	financial	financial	ADJ
asfbr-2216	53	39	transactions	transaction	NOUN
asfbr-2216	53	40	and	and	CCONJ
asfbr-2216	53	41	the	the	DET
asfbr-2216	53	42	amount	amount	NOUN
asfbr-2216	53	43	of	of	ADP
asfbr-2216	53	44	their	their	PRON
asfbr-2216	53	45	investments	investment	NOUN
asfbr-2216	53	46	.	.	PUNCT
asfbr-2216	54	1	kramer	kramer	PROPN
asfbr-2216	54	2	(	(	PUNCT
asfbr-2216	54	3	2012	2012	NUM
asfbr-2216	54	4	)	)	PUNCT
asfbr-2216	54	5	revealed	reveal	VERB
asfbr-2216	54	6	that	that	SCONJ
asfbr-2216	54	7	financial	financial	ADJ
asfbr-2216	54	8	advisors	advisor	NOUN
asfbr-2216	54	9	assisted	assist	VERB
asfbr-2216	54	10	clients	client	NOUN
asfbr-2216	54	11	in	in	ADP
asfbr-2216	54	12	diversifying	diversify	VERB
asfbr-2216	54	13	their	their	PRON
asfbr-2216	54	14	portfolios	portfolio	NOUN
asfbr-2216	54	15	,	,	PUNCT
asfbr-2216	54	16	reducing	reduce	VERB
asfbr-2216	54	17	volatility	volatility	NOUN
asfbr-2216	54	18	,	,	PUNCT
asfbr-2216	54	19	and	and	CCONJ
asfbr-2216	54	20	decreasing	decrease	VERB
asfbr-2216	54	21	the	the	DET
asfbr-2216	54	22	turnover	turnover	NOUN
asfbr-2216	54	23	ratio	ratio	NOUN
asfbr-2216	54	24	.	.	PUNCT
asfbr-2216	55	1	another	another	DET
asfbr-2216	55	2	study	study	NOUN
asfbr-2216	55	3	also	also	ADV
asfbr-2216	55	4	showed	show	VERB
asfbr-2216	55	5	a	a	DET
asfbr-2216	55	6	positive	positive	ADJ
asfbr-2216	55	7	impact	impact	NOUN
asfbr-2216	55	8	on	on	ADP
asfbr-2216	55	9	investment	investment	NOUN
asfbr-2216	55	10	performance	performance	NOUN
asfbr-2216	55	11	,	,	PUNCT
asfbr-2216	55	12	particularly	particularly	ADV
asfbr-2216	55	13	when	when	SCONJ
asfbr-2216	55	14	investors	investor	NOUN
asfbr-2216	55	15	place	place	VERB
asfbr-2216	55	16	trust	trust	NOUN
asfbr-2216	55	17	in	in	ADP
asfbr-2216	55	18	their	their	PRON
asfbr-2216	55	19	investment	investment	NOUN
asfbr-2216	55	20	advisors	advisor	NOUN
asfbr-2216	55	21	(	(	PUNCT
asfbr-2216	55	22	monti	monti	PROPN
asfbr-2216	55	23	et	et	PROPN
asfbr-2216	55	24	al	al	PROPN
asfbr-2216	55	25	.	.	PROPN
asfbr-2216	55	26	,	,	PUNCT
asfbr-2216	55	27	2014	2014	NUM
asfbr-2216	55	28	)	)	PUNCT
asfbr-2216	55	29	.	.	PUNCT
asfbr-2216	56	1	bhattacharya	bhattacharya	PROPN
asfbr-2216	56	2	et	et	PROPN
asfbr-2216	56	3	al	al	PROPN
asfbr-2216	56	4	.	.	PROPN
asfbr-2216	57	1	(	(	PUNCT
asfbr-2216	57	2	2012	2012	NUM
asfbr-2216	57	3	)	)	PUNCT
asfbr-2216	57	4	examined	examine	VERB
asfbr-2216	57	5	individual	individual	ADJ
asfbr-2216	57	6	investors	investor	NOUN
asfbr-2216	57	7	in	in	ADP
asfbr-2216	57	8	germany	germany	PROPN
asfbr-2216	57	9	.	.	PUNCT
asfbr-2216	58	1	they	they	PRON
asfbr-2216	58	2	found	find	VERB
asfbr-2216	58	3	that	that	SCONJ
asfbr-2216	58	4	the	the	DET
asfbr-2216	58	5	advice	advice	NOUN
asfbr-2216	58	6	was	be	AUX
asfbr-2216	58	7	received	receive	VERB
asfbr-2216	58	8	by	by	ADP
asfbr-2216	58	9	wealthier	wealthy	ADJ
asfbr-2216	58	10	male	male	ADJ
asfbr-2216	58	11	investors	investor	NOUN
asfbr-2216	58	12	who	who	PRON
asfbr-2216	58	13	had	have	VERB
asfbr-2216	58	14	a	a	DET
asfbr-2216	58	15	more	more	ADV
asfbr-2216	58	16	extended	extended	ADJ
asfbr-2216	58	17	history	history	NOUN
asfbr-2216	58	18	with	with	ADP
asfbr-2216	58	19	their	their	PRON
asfbr-2216	58	20	brokers	broker	NOUN
asfbr-2216	58	21	and	and	CCONJ
asfbr-2216	58	22	that	that	SCONJ
asfbr-2216	58	23	the	the	DET
asfbr-2216	58	24	advice	advice	NOUN
asfbr-2216	58	25	improved	improve	VERB
asfbr-2216	58	26	efficiency	efficiency	NOUN
asfbr-2216	58	27	.	.	PUNCT
asfbr-2216	59	1	conversely	conversely	ADV
asfbr-2216	59	2	,	,	PUNCT
asfbr-2216	59	3	other	other	ADJ
asfbr-2216	59	4	studies	study	NOUN
asfbr-2216	59	5	indicated	indicate	VERB
asfbr-2216	59	6	that	that	SCONJ
asfbr-2216	59	7	investors	investor	NOUN
asfbr-2216	59	8	needing	need	VERB
asfbr-2216	59	9	more	more	ADJ
asfbr-2216	59	10	financial	financial	ADJ
asfbr-2216	59	11	literacy	literacy	NOUN
asfbr-2216	59	12	should	should	AUX
asfbr-2216	59	13	seek	seek	VERB
asfbr-2216	59	14	investment	investment	NOUN
asfbr-2216	59	15	advisors	advisor	NOUN
asfbr-2216	59	16	,	,	PUNCT
asfbr-2216	59	17	which	which	PRON
asfbr-2216	59	18	does	do	AUX
asfbr-2216	59	19	not	not	PART
asfbr-2216	59	20	necessarily	necessarily	ADV
asfbr-2216	59	21	imply	imply	VERB
asfbr-2216	59	22	that	that	SCONJ
asfbr-2216	59	23	they	they	PRON
asfbr-2216	59	24	receive	receive	VERB
asfbr-2216	59	25	advice	advice	NOUN
asfbr-2216	59	26	.	.	PUNCT
asfbr-2216	60	1	mullainathan	mullainathan	PROPN
asfbr-2216	60	2	et	et	PROPN
asfbr-2216	60	3	al	al	PROPN
asfbr-2216	60	4	.	.	PROPN
asfbr-2216	61	1	(	(	PUNCT
asfbr-2216	61	2	2012	2012	NUM
asfbr-2216	61	3	)	)	PUNCT
asfbr-2216	61	4	also	also	ADV
asfbr-2216	61	5	proposed	propose	VERB
asfbr-2216	61	6	that	that	SCONJ
asfbr-2216	61	7	financial	financial	ADJ
asfbr-2216	61	8	advisors	advisor	NOUN
asfbr-2216	61	9	may	may	AUX
asfbr-2216	61	10	have	have	VERB
asfbr-2216	61	11	a	a	DET
asfbr-2216	61	12	conflict	conflict	NOUN
asfbr-2216	61	13	of	of	ADP
asfbr-2216	61	14	interest	interest	NOUN
asfbr-2216	61	15	.	.	PUNCT
asfbr-2216	62	1	while	while	SCONJ
asfbr-2216	62	2	financial	financial	ADJ
asfbr-2216	62	3	advisors	advisor	NOUN
asfbr-2216	62	4	may	may	AUX
asfbr-2216	62	5	encourage	encourage	VERB
asfbr-2216	62	6	individual	individual	ADJ
asfbr-2216	62	7	investors	investor	NOUN
asfbr-2216	62	8	to	to	PART
asfbr-2216	62	9	pursue	pursue	VERB
asfbr-2216	62	10	financial	financial	ADJ
asfbr-2216	62	11	returns	return	NOUN
asfbr-2216	62	12	more	more	ADV
asfbr-2216	62	13	strongly	strongly	ADV
asfbr-2216	62	14	,	,	PUNCT
asfbr-2216	62	15	they	they	PRON
asfbr-2216	62	16	also	also	ADV
asfbr-2216	62	17	strongly	strongly	ADV
asfbr-2216	62	18	recommend	recommend	VERB
asfbr-2216	62	19	active	active	ADJ
asfbr-2216	62	20	funds	fund	NOUN
asfbr-2216	62	21	that	that	PRON
asfbr-2216	62	22	could	could	AUX
asfbr-2216	62	23	earn	earn	VERB
asfbr-2216	62	24	higher	high	ADJ
asfbr-2216	62	25	fees	fee	NOUN
asfbr-2216	62	26	for	for	ADP
asfbr-2216	62	27	investors	investor	NOUN
asfbr-2216	62	28	.	.	PUNCT
asfbr-2216	63	1	previous	previous	ADJ
asfbr-2216	63	2	studies	study	NOUN
asfbr-2216	63	3	have	have	AUX
asfbr-2216	63	4	indicated	indicate	VERB
asfbr-2216	63	5	that	that	SCONJ
asfbr-2216	63	6	investment	investment	NOUN
asfbr-2216	63	7	advice	advice	NOUN
asfbr-2216	63	8	provided	provide	VERB
asfbr-2216	63	9	by	by	ADP
asfbr-2216	63	10	financial	financial	ADJ
asfbr-2216	63	11	advisors	advisor	NOUN
asfbr-2216	63	12	may	may	AUX
asfbr-2216	63	13	only	only	ADV
asfbr-2216	63	14	sometimes	sometimes	ADV
asfbr-2216	63	15	benefit	benefit	VERB
asfbr-2216	63	16	investors	investor	NOUN
asfbr-2216	63	17	.	.	PUNCT
asfbr-2216	64	1	however	however	ADV
asfbr-2216	64	2	,	,	PUNCT
asfbr-2216	64	3	it	it	PRON
asfbr-2216	64	4	may	may	AUX
asfbr-2216	64	5	facilitate	facilitate	VERB
asfbr-2216	64	6	risk	risk	NOUN
asfbr-2216	64	7	-	-	PUNCT
asfbr-2216	64	8	taking	taking	NOUN
asfbr-2216	64	9	,	,	PUNCT
asfbr-2216	64	10	enhance	enhance	VERB
asfbr-2216	64	11	performance	performance	NOUN
asfbr-2216	64	12	,	,	PUNCT
asfbr-2216	64	13	and	and	CCONJ
asfbr-2216	64	14	enhance	enhance	VERB
asfbr-2216	64	15	customer	customer	NOUN
asfbr-2216	64	16	satisfaction	satisfaction	NOUN
asfbr-2216	64	17	.	.	PUNCT
asfbr-2216	65	1	h1	h1	PROPN
asfbr-2216	65	2	:	:	PUNCT
asfbr-2216	65	3	there	there	PRON
asfbr-2216	65	4	is	be	VERB
asfbr-2216	65	5	a	a	DET
asfbr-2216	65	6	positive	positive	ADJ
asfbr-2216	65	7	correlation	correlation	NOUN
asfbr-2216	65	8	between	between	ADP
asfbr-2216	65	9	banks	bank	NOUN
asfbr-2216	65	10	'	'	PART
asfbr-2216	65	11	information	information	NOUN
asfbr-2216	65	12	or	or	CCONJ
asfbr-2216	65	13	advice	advice	NOUN
asfbr-2216	65	14	and	and	CCONJ
asfbr-2216	65	15	customer	customer	NOUN
asfbr-2216	65	16	satisfaction	satisfaction	NOUN
asfbr-2216	65	17	with	with	ADP
asfbr-2216	65	18	banking	banking	NOUN
asfbr-2216	65	19	services	service	NOUN
asfbr-2216	65	20	.	.	PUNCT
asfbr-2216	66	1	effect	effect	NOUN
asfbr-2216	66	2	of	of	ADP
asfbr-2216	66	3	service	service	NOUN
asfbr-2216	66	4	quality	quality	NOUN
asfbr-2216	66	5	on	on	ADP
asfbr-2216	66	6	customer	customer	NOUN
asfbr-2216	66	7	satisfaction	satisfaction	NOUN
asfbr-2216	66	8	another	another	DET
asfbr-2216	66	9	factor	factor	NOUN
asfbr-2216	66	10	that	that	PRON
asfbr-2216	66	11	affects	affect	VERB
asfbr-2216	66	12	customer	customer	NOUN
asfbr-2216	66	13	satisfaction	satisfaction	NOUN
asfbr-2216	66	14	with	with	ADP
asfbr-2216	66	15	banks	bank	NOUN
asfbr-2216	66	16	is	be	AUX
asfbr-2216	66	17	the	the	DET
asfbr-2216	66	18	quality	quality	NOUN
asfbr-2216	66	19	of	of	ADP
asfbr-2216	66	20	banking	banking	NOUN
asfbr-2216	66	21	services	service	NOUN
asfbr-2216	66	22	.	.	PUNCT
asfbr-2216	67	1	many	many	ADJ
asfbr-2216	67	2	empirical	empirical	ADJ
asfbr-2216	67	3	studies	study	NOUN
asfbr-2216	67	4	have	have	AUX
asfbr-2216	67	5	employed	employ	VERB
asfbr-2216	67	6	multivariate	multivariate	NOUN
asfbr-2216	67	7	analysis	analysis	NOUN
asfbr-2216	67	8	techniques	technique	NOUN
asfbr-2216	67	9	,	,	PUNCT
asfbr-2216	67	10	such	such	ADJ
asfbr-2216	67	11	as	as	ADP
asfbr-2216	67	12	servqual	servqual	ADJ
asfbr-2216	67	13	or	or	CCONJ
asfbr-2216	67	14	path	path	NOUN
asfbr-2216	67	15	analysis	analysis	NOUN
asfbr-2216	67	16	,	,	PUNCT
asfbr-2216	67	17	frequently	frequently	ADV
asfbr-2216	67	18	utilized	utilize	VERB
asfbr-2216	67	19	in	in	ADP
asfbr-2216	67	20	previous	previous	ADJ
asfbr-2216	67	21	marketing	marketing	NOUN
asfbr-2216	67	22	research	research	NOUN
asfbr-2216	67	23	,	,	PUNCT
asfbr-2216	67	24	to	to	PART
asfbr-2216	67	25	investigate	investigate	VERB
asfbr-2216	67	26	the	the	DET
asfbr-2216	67	27	relationship	relationship	NOUN
asfbr-2216	67	28	between	between	ADP
asfbr-2216	67	29	banking	banking	NOUN
asfbr-2216	67	30	services	service	NOUN
asfbr-2216	67	31	and	and	CCONJ
asfbr-2216	67	32	customer	customer	NOUN
asfbr-2216	67	33	satisfaction	satisfaction	NOUN
asfbr-2216	67	34	within	within	ADP
asfbr-2216	67	35	the	the	DET
asfbr-2216	67	36	banking	banking	NOUN
asfbr-2216	67	37	industry	industry	NOUN
asfbr-2216	67	38	.	.	PUNCT
asfbr-2216	68	1	these	these	DET
asfbr-2216	68	2	studies	study	NOUN
asfbr-2216	68	3	have	have	AUX
asfbr-2216	68	4	consistently	consistently	ADV
asfbr-2216	68	5	demonstrated	demonstrate	VERB
asfbr-2216	68	6	that	that	SCONJ
asfbr-2216	68	7	enhancing	enhance	VERB
asfbr-2216	68	8	the	the	DET
asfbr-2216	68	9	quality	quality	NOUN
asfbr-2216	68	10	of	of	ADP
asfbr-2216	68	11	banking	banking	NOUN
asfbr-2216	68	12	services	service	NOUN
asfbr-2216	68	13	can	can	AUX
asfbr-2216	68	14	positively	positively	ADV
asfbr-2216	68	15	impact	impact	VERB
asfbr-2216	68	16	customer	customer	NOUN
asfbr-2216	68	17	satisfaction	satisfaction	NOUN
asfbr-2216	68	18	and	and	CCONJ
asfbr-2216	68	19	have	have	VERB
asfbr-2216	68	20	a	a	DET
asfbr-2216	68	21	favorable	favorable	ADJ
asfbr-2216	68	22	impact	impact	NOUN
asfbr-2216	68	23	on	on	ADP
asfbr-2216	68	24	bank	bank	NOUN
asfbr-2216	68	25	profitability	profitability	NOUN
asfbr-2216	68	26	(	(	PUNCT
asfbr-2216	68	27	boonlertvanich	boonlertvanich	NOUN
asfbr-2216	68	28	,	,	PUNCT
asfbr-2216	68	29	2019	2019	NUM
asfbr-2216	68	30	;	;	PUNCT
asfbr-2216	68	31	halim	halim	PROPN
asfbr-2216	68	32	et	et	PROPN
asfbr-2216	68	33	al	al	PROPN
asfbr-2216	68	34	.	.	PROPN
asfbr-2216	68	35	,	,	PUNCT
asfbr-2216	68	36	2023	2023	NUM
asfbr-2216	68	37	;	;	PUNCT
asfbr-2216	68	38	johnston	johnston	PROPN
asfbr-2216	68	39	,	,	PUNCT
asfbr-2216	68	40	1997	1997	NUM
asfbr-2216	68	41	;	;	PUNCT
asfbr-2216	68	42	oppewal	oppewal	NOUN
asfbr-2216	68	43	&	&	CCONJ
asfbr-2216	68	44	vriens	vrien	NOUN
asfbr-2216	68	45	,	,	PUNCT
asfbr-2216	68	46	2000	2000	NUM
asfbr-2216	68	47	;	;	PUNCT
asfbr-2216	68	48	paul	paul	PROPN
asfbr-2216	68	49	et	et	PROPN
asfbr-2216	68	50	al	al	PROPN
asfbr-2216	68	51	.	.	PROPN
asfbr-2216	68	52	,	,	PUNCT
asfbr-2216	68	53	2016	2016	NUM
asfbr-2216	68	54	;	;	PUNCT
asfbr-2216	68	55	teeroovengadum	teeroovengadum	NOUN
asfbr-2216	68	56	,	,	PUNCT
asfbr-2216	68	57	2022	2022	NUM
asfbr-2216	68	58	;	;	PUNCT
asfbr-2216	68	59	varki	varki	NOUN
asfbr-2216	68	60	&	&	CCONJ
asfbr-2216	68	61	colgate	colgate	PROPN
asfbr-2216	68	62	,	,	PUNCT
asfbr-2216	68	63	2001	2001	NUM
asfbr-2216	68	64	)	)	PUNCT
asfbr-2216	68	65	.	.	PUNCT
asfbr-2216	69	1	uddin	uddin	PROPN
asfbr-2216	69	2	(	(	PUNCT
asfbr-2216	69	3	2020	2020	NUM
asfbr-2216	69	4	)	)	PUNCT
asfbr-2216	69	5	demonstrated	demonstrate	VERB
asfbr-2216	69	6	that	that	SCONJ
asfbr-2216	69	7	the	the	DET
asfbr-2216	69	8	quality	quality	NOUN
asfbr-2216	69	9	of	of	ADP
asfbr-2216	69	10	banking	banking	NOUN
asfbr-2216	69	11	services	service	NOUN
asfbr-2216	69	12	,	,	PUNCT
asfbr-2216	69	13	including	include	VERB
asfbr-2216	69	14	exemplary	exemplary	ADJ
asfbr-2216	69	15	atm	atm	PROPN
asfbr-2216	69	16	service	service	NOUN
asfbr-2216	69	17	,	,	PUNCT
asfbr-2216	69	18	mobile	mobile	ADJ
asfbr-2216	69	19	banking	banking	NOUN
asfbr-2216	69	20	,	,	PUNCT
asfbr-2216	69	21	and	and	CCONJ
asfbr-2216	69	22	call	call	VERB
asfbr-2216	69	23	center	center	NOUN
asfbr-2216	69	24	quality	quality	NOUN
asfbr-2216	69	25	,	,	PUNCT
asfbr-2216	69	26	is	be	AUX
asfbr-2216	69	27	paramount	paramount	ADJ
asfbr-2216	69	28	in	in	ADP
asfbr-2216	69	29	fostering	foster	VERB
asfbr-2216	69	30	customer	customer	NOUN
asfbr-2216	69	31	loyalty	loyalty	NOUN
asfbr-2216	69	32	and	and	CCONJ
asfbr-2216	69	33	enhancing	enhance	VERB
asfbr-2216	69	34	customer	customer	NOUN
asfbr-2216	69	35	satisfaction	satisfaction	NOUN
asfbr-2216	69	36	.	.	PUNCT
asfbr-2216	70	1	the	the	DET
asfbr-2216	70	2	superiority	superiority	NOUN
asfbr-2216	70	3	of	of	ADP
asfbr-2216	70	4	conventional	conventional	ADJ
asfbr-2216	70	5	or	or	CCONJ
asfbr-2216	70	6	regular	regular	ADJ
asfbr-2216	70	7	financial	financial	ADJ
asfbr-2216	70	8	advising	advise	VERB
asfbr-2216	70	9	methods	method	NOUN
asfbr-2216	70	10	may	may	AUX
asfbr-2216	70	11	be	be	AUX
asfbr-2216	70	12	more	more	ADV
asfbr-2216	70	13	advantageous	advantageous	ADJ
asfbr-2216	70	14	than	than	ADP
asfbr-2216	70	15	e	e	NOUN
asfbr-2216	70	16	-	-	NOUN
asfbr-2216	70	17	banking	banking	NOUN
asfbr-2216	70	18	for	for	ADP
asfbr-2216	70	19	older	old	ADJ
asfbr-2216	70	20	clients	client	NOUN
asfbr-2216	70	21	who	who	PRON
asfbr-2216	70	22	have	have	VERB
asfbr-2216	70	23	more	more	ADJ
asfbr-2216	70	24	assets	asset	NOUN
asfbr-2216	70	25	but	but	CCONJ
asfbr-2216	70	26	are	be	AUX
asfbr-2216	70	27	aware	aware	ADJ
asfbr-2216	70	28	that	that	SCONJ
asfbr-2216	70	29	they	they	PRON
asfbr-2216	70	30	could	could	AUX
asfbr-2216	70	31	be	be	AUX
asfbr-2216	70	32	more	more	ADV
asfbr-2216	70	33	financially	financially	ADV
asfbr-2216	70	34	literate	literate	ADJ
asfbr-2216	70	35	and	and	CCONJ
asfbr-2216	70	36	are	be	AUX
asfbr-2216	70	37	cautious	cautious	ADJ
asfbr-2216	70	38	about	about	ADP
asfbr-2216	70	39	managing	manage	VERB
asfbr-2216	70	40	their	their	PRON
asfbr-2216	70	41	investments	investment	NOUN
asfbr-2216	70	42	.	.	PUNCT
asfbr-2216	71	1	furthermore	furthermore	ADV
asfbr-2216	71	2	,	,	PUNCT
asfbr-2216	71	3	it	it	PRON
asfbr-2216	71	4	has	have	AUX
asfbr-2216	71	5	been	be	AUX
asfbr-2216	71	6	demonstrated	demonstrate	VERB
asfbr-2216	71	7	that	that	SCONJ
asfbr-2216	71	8	the	the	DET
asfbr-2216	71	9	quality	quality	NOUN
asfbr-2216	71	10	of	of	ADP
asfbr-2216	71	11	service	service	NOUN
asfbr-2216	71	12	provided	provide	VERB
asfbr-2216	71	13	by	by	ADP
asfbr-2216	71	14	financial	financial	ADJ
asfbr-2216	71	15	planners	planner	NOUN
asfbr-2216	71	16	or	or	CCONJ
asfbr-2216	71	17	advisors	advisor	NOUN
asfbr-2216	71	18	regarding	regard	VERB
asfbr-2216	71	19	advice	advice	NOUN
asfbr-2216	71	20	,	,	PUNCT
asfbr-2216	71	21	including	include	VERB
asfbr-2216	71	22	ease	ease	NOUN
asfbr-2216	71	23	of	of	ADP
asfbr-2216	71	24	contact	contact	NOUN
asfbr-2216	71	25	,	,	PUNCT
asfbr-2216	71	26	reliability	reliability	NOUN
asfbr-2216	71	27	,	,	PUNCT
asfbr-2216	71	28	and	and	CCONJ
asfbr-2216	71	29	empathy	empathy	NOUN
asfbr-2216	71	30	,	,	PUNCT
asfbr-2216	71	31	also	also	ADV
asfbr-2216	71	32	affects	affect	VERB
asfbr-2216	71	33	customer	customer	NOUN
asfbr-2216	71	34	satisfaction	satisfaction	NOUN
asfbr-2216	71	35	(	(	PUNCT
asfbr-2216	71	36	gazi	gazi	PROPN
asfbr-2216	71	37	et	et	PROPN
asfbr-2216	71	38	al	al	PROPN
asfbr-2216	71	39	.	.	PROPN
asfbr-2216	71	40	,	,	PUNCT
asfbr-2216	71	41	2021	2021	NUM
asfbr-2216	71	42	;	;	PUNCT
asfbr-2216	71	43	jamal	jamal	PROPN
asfbr-2216	71	44	&	&	CCONJ
asfbr-2216	71	45	naser	naser	PROPN
asfbr-2216	71	46	,	,	PUNCT
asfbr-2216	71	47	2002	2002	NUM
asfbr-2216	71	48	)	)	PUNCT
asfbr-2216	71	49	.	.	PUNCT
asfbr-2216	72	1	financial	financial	ADJ
asfbr-2216	72	2	services	service	NOUN
asfbr-2216	72	3	that	that	PRON
asfbr-2216	72	4	prioritize	prioritize	VERB
asfbr-2216	72	5	communication	communication	NOUN
asfbr-2216	72	6	with	with	ADP
asfbr-2216	72	7	individual	individual	ADJ
asfbr-2216	72	8	customers	customer	NOUN
asfbr-2216	72	9	and	and	CCONJ
asfbr-2216	72	10	aim	aim	VERB
asfbr-2216	72	11	to	to	PART
asfbr-2216	72	12	resolve	resolve	VERB
asfbr-2216	72	13	their	their	PRON
asfbr-2216	72	14	issues	issue	NOUN
asfbr-2216	72	15	enhance	enhance	VERB
asfbr-2216	72	16	customer	customer	NOUN
asfbr-2216	72	17	satisfaction	satisfaction	NOUN
asfbr-2216	72	18	.	.	PUNCT
asfbr-2216	73	1	carsamer	carsamer	NOUN
asfbr-2216	73	2	(	(	PUNCT
asfbr-2216	73	3	2018	2018	NUM
asfbr-2216	73	4	)	)	PUNCT
asfbr-2216	73	5	also	also	ADV
asfbr-2216	73	6	examined	examine	VERB
asfbr-2216	73	7	the	the	DET
asfbr-2216	73	8	factors	factor	NOUN
asfbr-2216	73	9	influencing	influence	VERB
asfbr-2216	73	10	customers	customer	NOUN
asfbr-2216	73	11	'	'	PART
asfbr-2216	73	12	perceptions	perception	NOUN
asfbr-2216	73	13	of	of	ADP
asfbr-2216	73	14	ghana	ghana	PROPN
asfbr-2216	73	15	's	's	PART
asfbr-2216	73	16	financial	financial	ADJ
asfbr-2216	73	17	products	product	NOUN
asfbr-2216	73	18	and	and	CCONJ
asfbr-2216	73	19	banking	banking	NOUN
asfbr-2216	73	20	services	service	NOUN
asfbr-2216	73	21	.	.	PUNCT
asfbr-2216	74	1	the	the	DET
asfbr-2216	74	2	study	study	NOUN
asfbr-2216	74	3	found	find	VERB
asfbr-2216	74	4	that	that	SCONJ
asfbr-2216	74	5	the	the	DET
asfbr-2216	74	6	frequency	frequency	NOUN
asfbr-2216	74	7	and	and	CCONJ
asfbr-2216	74	8	regularity	regularity	NOUN
asfbr-2216	74	9	of	of	ADP
asfbr-2216	74	10	visits	visit	NOUN
asfbr-2216	74	11	by	by	ADP
asfbr-2216	74	12	bank	bank	NOUN
asfbr-2216	74	13	employees	employee	NOUN
asfbr-2216	74	14	positively	positively	ADV
asfbr-2216	74	15	influenced	influence	VERB
asfbr-2216	74	16	customers	customer	NOUN
asfbr-2216	74	17	'	'	PART
asfbr-2216	74	18	perceptions	perception	NOUN
asfbr-2216	74	19	of	of	ADP
asfbr-2216	74	20	the	the	DET
asfbr-2216	74	21	bank	bank	NOUN
asfbr-2216	74	22	's	's	PART
asfbr-2216	74	23	services	service	NOUN
asfbr-2216	74	24	.	.	PUNCT
asfbr-2216	75	1	the	the	DET
asfbr-2216	75	2	results	result	NOUN
asfbr-2216	75	3	indicate	indicate	VERB
asfbr-2216	75	4	that	that	SCONJ
asfbr-2216	75	5	the	the	DET
asfbr-2216	75	6	quality	quality	NOUN
asfbr-2216	75	7	of	of	ADP
asfbr-2216	75	8	service	service	NOUN
asfbr-2216	75	9	to	to	ADP
asfbr-2216	75	10	customers	customer	NOUN
asfbr-2216	75	11	,	,	PUNCT
asfbr-2216	75	12	mainly	mainly	ADV
asfbr-2216	75	13	how	how	SCONJ
asfbr-2216	75	14	they	they	PRON
asfbr-2216	75	15	are	be	AUX
asfbr-2216	75	16	approached	approach	VERB
asfbr-2216	75	17	,	,	PUNCT
asfbr-2216	75	18	and	and	CCONJ
asfbr-2216	75	19	the	the	DET
asfbr-2216	75	20	human	human	PROPN
asfbr-2216	75	21	mori	mori	PROPN
asfbr-2216	75	22	et	et	PROPN
asfbr-2216	75	23	al	al	PROPN
asfbr-2216	75	24	.	.	PROPN
asfbr-2216	75	25	,	,	PUNCT
asfbr-2216	75	26	asian	asian	PROPN
asfbr-2216	75	27	finance	finance	PROPN
asfbr-2216	75	28	&	&	CCONJ
asfbr-2216	75	29	banking	banking	PROPN
asfbr-2216	75	30	review	review	NOUN
asfbr-2216	75	31	8(1	8(1	NOUN
asfbr-2216	75	32	)	)	PUNCT
asfbr-2216	75	33	(	(	PUNCT
asfbr-2216	75	34	2024	2024	NUM
asfbr-2216	75	35	)	)	PUNCT
asfbr-2216	75	36	,	,	PUNCT
asfbr-2216	75	37	1	1	NUM
asfbr-2216	75	38	-	-	SYM
asfbr-2216	75	39	12	12	NUM
asfbr-2216	75	40	3	3	NUM
asfbr-2216	75	41	contact	contact	NOUN
asfbr-2216	75	42	that	that	PRON
asfbr-2216	75	43	enhances	enhance	VERB
asfbr-2216	75	44	the	the	DET
asfbr-2216	75	45	quality	quality	NOUN
asfbr-2216	75	46	of	of	ADP
asfbr-2216	75	47	service	service	NOUN
asfbr-2216	75	48	are	be	AUX
asfbr-2216	75	49	significant	significant	ADJ
asfbr-2216	75	50	factors	factor	NOUN
asfbr-2216	75	51	contributing	contribute	VERB
asfbr-2216	75	52	to	to	ADP
asfbr-2216	75	53	satisfaction	satisfaction	NOUN
asfbr-2216	75	54	with	with	ADP
asfbr-2216	75	55	bank	bank	NOUN
asfbr-2216	75	56	services	service	NOUN
asfbr-2216	75	57	.	.	PUNCT
asfbr-2216	76	1	in	in	ADP
asfbr-2216	76	2	light	light	NOUN
asfbr-2216	76	3	of	of	ADP
asfbr-2216	76	4	the	the	DET
asfbr-2216	76	5	preceding	precede	VERB
asfbr-2216	76	6	discussion	discussion	NOUN
asfbr-2216	76	7	,	,	PUNCT
asfbr-2216	76	8	this	this	DET
asfbr-2216	76	9	study	study	NOUN
asfbr-2216	76	10	proposes	propose	VERB
asfbr-2216	76	11	the	the	DET
asfbr-2216	76	12	following	follow	VERB
asfbr-2216	76	13	hypothesis	hypothesis	NOUN
asfbr-2216	76	14	:	:	PUNCT
asfbr-2216	76	15	h2	h2	NOUN
asfbr-2216	76	16	:	:	PUNCT
asfbr-2216	76	17	how	how	SCONJ
asfbr-2216	76	18	customers	customer	NOUN
asfbr-2216	76	19	are	be	AUX
asfbr-2216	76	20	approached	approach	VERB
asfbr-2216	76	21	affects	affect	VERB
asfbr-2216	76	22	their	their	PRON
asfbr-2216	76	23	satisfaction	satisfaction	NOUN
asfbr-2216	76	24	with	with	ADP
asfbr-2216	76	25	banking	banking	NOUN
asfbr-2216	76	26	services	service	NOUN
asfbr-2216	76	27	.	.	PUNCT
asfbr-2216	77	1	h3	h3	NOUN
asfbr-2216	77	2	:	:	PUNCT
asfbr-2216	77	3	a	a	DET
asfbr-2216	77	4	direct	direct	ADJ
asfbr-2216	77	5	customer	customer	NOUN
asfbr-2216	77	6	approach	approach	NOUN
asfbr-2216	77	7	by	by	ADP
asfbr-2216	77	8	salespeople	salesperson	NOUN
asfbr-2216	77	9	is	be	AUX
asfbr-2216	77	10	associated	associate	VERB
asfbr-2216	77	11	with	with	ADP
asfbr-2216	77	12	greater	great	ADJ
asfbr-2216	77	13	customer	customer	NOUN
asfbr-2216	77	14	satisfaction	satisfaction	NOUN
asfbr-2216	77	15	with	with	ADP
asfbr-2216	77	16	banking	banking	NOUN
asfbr-2216	77	17	services	service	NOUN
asfbr-2216	77	18	.	.	PUNCT
asfbr-2216	78	1	effect	effect	NOUN
asfbr-2216	78	2	of	of	ADP
asfbr-2216	78	3	socio	socio	NOUN
asfbr-2216	78	4	-	-	ADJ
asfbr-2216	78	5	demographic	demographic	ADJ
asfbr-2216	78	6	factors	factor	NOUN
asfbr-2216	78	7	on	on	ADP
asfbr-2216	78	8	customer	customer	NOUN
asfbr-2216	78	9	satisfaction	satisfaction	NOUN
asfbr-2216	78	10	recent	recent	ADJ
asfbr-2216	78	11	studies	study	NOUN
asfbr-2216	78	12	have	have	AUX
asfbr-2216	78	13	demonstrated	demonstrate	VERB
asfbr-2216	78	14	that	that	SCONJ
asfbr-2216	78	15	socio	socio	NOUN
asfbr-2216	78	16	-	-	ADJ
asfbr-2216	78	17	demographic	demographic	ADJ
asfbr-2216	78	18	factors	factor	NOUN
asfbr-2216	78	19	significantly	significantly	ADV
asfbr-2216	78	20	influence	influence	VERB
asfbr-2216	78	21	customer	customer	NOUN
asfbr-2216	78	22	satisfaction	satisfaction	NOUN
asfbr-2216	78	23	with	with	ADP
asfbr-2216	78	24	financial	financial	ADJ
asfbr-2216	78	25	services	service	NOUN
asfbr-2216	78	26	(	(	PUNCT
asfbr-2216	78	27	chattha	chattha	ADJ
asfbr-2216	78	28	,	,	PUNCT
asfbr-2216	78	29	2019	2019	NUM
asfbr-2216	78	30	;	;	PUNCT
asfbr-2216	78	31	darko	darko	PROPN
asfbr-2216	78	32	et	et	PROPN
asfbr-2216	78	33	al	al	PROPN
asfbr-2216	78	34	.	.	PROPN
asfbr-2216	78	35	,	,	PUNCT
asfbr-2216	78	36	2017	2017	NUM
asfbr-2216	78	37	;	;	PUNCT
asfbr-2216	78	38	gan	gin	VERB
asfbr-2216	78	39	et	et	PROPN
asfbr-2216	78	40	al	al	PROPN
asfbr-2216	78	41	.	.	PROPN
asfbr-2216	78	42	,	,	PUNCT
asfbr-2216	78	43	2011	2011	NUM
asfbr-2216	78	44	;	;	PUNCT
asfbr-2216	79	1	seiler	seiler	PROPN
asfbr-2216	79	2	et	et	PROPN
asfbr-2216	79	3	al	al	PROPN
asfbr-2216	79	4	.	.	PROPN
asfbr-2216	79	5	,	,	PUNCT
asfbr-2216	79	6	2013	2013	NUM
asfbr-2216	79	7	;	;	PUNCT
asfbr-2216	79	8	widityani	widityani	PROPN
asfbr-2216	79	9	et	et	PROPN
asfbr-2216	79	10	al	al	PROPN
asfbr-2216	79	11	.	.	PROPN
asfbr-2216	79	12	,	,	PUNCT
asfbr-2216	79	13	2020	2020	NUM
asfbr-2216	79	14	)	)	PUNCT
asfbr-2216	79	15	.	.	PUNCT
asfbr-2216	80	1	in	in	ADP
asfbr-2216	80	2	a	a	DET
asfbr-2216	80	3	study	study	NOUN
asfbr-2216	80	4	of	of	ADP
asfbr-2216	80	5	new	new	PROPN
asfbr-2216	80	6	zealand	zealand	PROPN
asfbr-2216	80	7	electric	electric	PROPN
asfbr-2216	80	8	banking	banking	PROPN
asfbr-2216	80	9	(	(	PUNCT
asfbr-2216	80	10	eb	eb	PROPN
asfbr-2216	80	11	)	)	PUNCT
asfbr-2216	80	12	users	user	NOUN
asfbr-2216	80	13	,	,	PUNCT
asfbr-2216	80	14	gan	gin	VERB
asfbr-2216	80	15	et	et	PROPN
asfbr-2216	80	16	al	al	PROPN
asfbr-2216	80	17	.	.	PROPN
asfbr-2216	81	1	(	(	PUNCT
asfbr-2216	81	2	2006	2006	NUM
asfbr-2216	81	3	)	)	PUNCT
asfbr-2216	81	4	considered	consider	VERB
asfbr-2216	81	5	socio	socio	NOUN
asfbr-2216	81	6	-	-	ADJ
asfbr-2216	81	7	demographic	demographic	ADJ
asfbr-2216	81	8	factors	factor	NOUN
asfbr-2216	81	9	.	.	PUNCT
asfbr-2216	82	1	they	they	PRON
asfbr-2216	82	2	found	find	VERB
asfbr-2216	82	3	that	that	SCONJ
asfbr-2216	82	4	individuals	individual	NOUN
asfbr-2216	82	5	with	with	ADP
asfbr-2216	82	6	higher	high	ADJ
asfbr-2216	82	7	incomes	income	NOUN
asfbr-2216	82	8	were	be	AUX
asfbr-2216	82	9	less	less	ADV
asfbr-2216	82	10	likely	likely	ADJ
asfbr-2216	82	11	to	to	PART
asfbr-2216	82	12	use	use	VERB
asfbr-2216	82	13	eb	eb	PROPN
asfbr-2216	82	14	.	.	PUNCT
asfbr-2216	83	1	in	in	ADP
asfbr-2216	83	2	their	their	PRON
asfbr-2216	83	3	2014	2014	NUM
asfbr-2216	83	4	study	study	NOUN
asfbr-2216	83	5	,	,	PUNCT
asfbr-2216	83	6	okeke	okeke	ADJ
asfbr-2216	83	7	and	and	CCONJ
asfbr-2216	83	8	okpala	okpala	VERB
asfbr-2216	83	9	employed	employ	VERB
asfbr-2216	83	10	a	a	DET
asfbr-2216	83	11	binomial	binomial	ADJ
asfbr-2216	83	12	and	and	CCONJ
asfbr-2216	83	13	multi	multi	ADJ
asfbr-2216	83	14	-	-	ADJ
asfbr-2216	83	15	item	item	ADJ
asfbr-2216	83	16	logit	logit	NOUN
asfbr-2216	83	17	model	model	NOUN
asfbr-2216	83	18	to	to	PART
asfbr-2216	83	19	analyze	analyze	VERB
asfbr-2216	83	20	the	the	DET
asfbr-2216	83	21	impact	impact	NOUN
asfbr-2216	83	22	of	of	ADP
asfbr-2216	83	23	socio	socio	NOUN
asfbr-2216	83	24	-	-	ADJ
asfbr-2216	83	25	demographic	demographic	ADJ
asfbr-2216	83	26	factors	factor	NOUN
asfbr-2216	83	27	on	on	ADP
asfbr-2216	83	28	nigerian	nigerian	ADJ
asfbr-2216	83	29	customers	customer	NOUN
asfbr-2216	83	30	'	'	PART
asfbr-2216	83	31	use	use	NOUN
asfbr-2216	83	32	of	of	ADP
asfbr-2216	83	33	eb	eb	PROPN
asfbr-2216	83	34	.	.	PUNCT
asfbr-2216	84	1	their	their	PRON
asfbr-2216	84	2	findings	finding	NOUN
asfbr-2216	84	3	indicated	indicate	VERB
asfbr-2216	84	4	that	that	SCONJ
asfbr-2216	84	5	socio	socio	NOUN
asfbr-2216	84	6	-	-	PUNCT
asfbr-2216	84	7	demographic	demographic	ADJ
asfbr-2216	84	8	characteristics	characteristic	NOUN
asfbr-2216	84	9	such	such	ADJ
asfbr-2216	84	10	as	as	ADP
asfbr-2216	84	11	male	male	ADJ
asfbr-2216	84	12	gender	gender	NOUN
asfbr-2216	84	13	,	,	PUNCT
asfbr-2216	84	14	college	college	NOUN
asfbr-2216	84	15	graduation	graduation	NOUN
asfbr-2216	84	16	,	,	PUNCT
asfbr-2216	84	17	student	student	NOUN
asfbr-2216	84	18	status	status	NOUN
asfbr-2216	84	19	,	,	PUNCT
asfbr-2216	84	20	office	office	NOUN
asfbr-2216	84	21	work	work	NOUN
asfbr-2216	84	22	,	,	PUNCT
asfbr-2216	84	23	and	and	CCONJ
asfbr-2216	84	24	unmarried	unmarried	ADJ
asfbr-2216	84	25	status	status	NOUN
asfbr-2216	84	26	were	be	AUX
asfbr-2216	84	27	significant	significant	ADJ
asfbr-2216	84	28	.	.	PUNCT
asfbr-2216	85	1	li	li	PROPN
asfbr-2216	85	2	et	et	PROPN
asfbr-2216	85	3	al	al	PROPN
asfbr-2216	85	4	.	.	PROPN
asfbr-2216	86	1	(	(	PUNCT
asfbr-2216	86	2	2005	2005	NUM
asfbr-2216	86	3	)	)	PUNCT
asfbr-2216	86	4	employed	employ	VERB
asfbr-2216	86	5	a	a	DET
asfbr-2216	86	6	multinomial	multinomial	ADJ
asfbr-2216	86	7	probit	probit	NOUN
asfbr-2216	86	8	model	model	NOUN
asfbr-2216	86	9	to	to	PART
asfbr-2216	86	10	investigate	investigate	VERB
asfbr-2216	86	11	the	the	DET
asfbr-2216	86	12	factors	factor	NOUN
asfbr-2216	86	13	influencing	influence	VERB
asfbr-2216	86	14	customers	customer	NOUN
asfbr-2216	86	15	'	'	PART
asfbr-2216	86	16	demand	demand	NOUN
asfbr-2216	86	17	for	for	ADP
asfbr-2216	86	18	a	a	DET
asfbr-2216	86	19	range	range	NOUN
asfbr-2216	86	20	of	of	ADP
asfbr-2216	86	21	financial	financial	ADJ
asfbr-2216	86	22	products	product	NOUN
asfbr-2216	86	23	and	and	CCONJ
asfbr-2216	86	24	the	the	DET
asfbr-2216	86	25	ordering	ordering	NOUN
asfbr-2216	86	26	patterns	pattern	NOUN
asfbr-2216	86	27	of	of	ADP
asfbr-2216	86	28	these	these	DET
asfbr-2216	86	29	products	product	NOUN
asfbr-2216	86	30	.	.	PUNCT
asfbr-2216	87	1	the	the	DET
asfbr-2216	87	2	findings	finding	NOUN
asfbr-2216	87	3	indicated	indicate	VERB
asfbr-2216	87	4	that	that	SCONJ
asfbr-2216	87	5	female	female	ADJ
asfbr-2216	87	6	and	and	CCONJ
asfbr-2216	87	7	older	old	ADJ
asfbr-2216	87	8	individuals	individual	NOUN
asfbr-2216	87	9	exhibited	exhibit	VERB
asfbr-2216	87	10	a	a	DET
asfbr-2216	87	11	heightened	heightened	ADJ
asfbr-2216	87	12	sensitivity	sensitivity	NOUN
asfbr-2216	87	13	to	to	ADP
asfbr-2216	87	14	their	their	PRON
asfbr-2216	87	15	overall	overall	ADJ
asfbr-2216	87	16	satisfaction	satisfaction	NOUN
asfbr-2216	87	17	with	with	ADP
asfbr-2216	87	18	the	the	DET
asfbr-2216	87	19	banking	banking	NOUN
asfbr-2216	87	20	institution	institution	NOUN
asfbr-2216	87	21	,	,	PUNCT
asfbr-2216	87	22	relative	relative	ADJ
asfbr-2216	87	23	to	to	ADP
asfbr-2216	87	24	male	male	ADJ
asfbr-2216	87	25	and	and	CCONJ
asfbr-2216	87	26	younger	young	ADJ
asfbr-2216	87	27	individuals	individual	NOUN
asfbr-2216	87	28	,	,	PUNCT
asfbr-2216	87	29	regarding	regard	VERB
asfbr-2216	87	30	the	the	DET
asfbr-2216	87	31	decision	decision	NOUN
asfbr-2216	87	32	to	to	PART
asfbr-2216	87	33	purchase	purchase	VERB
asfbr-2216	87	34	supplementary	supplementary	ADJ
asfbr-2216	87	35	financial	financial	ADJ
asfbr-2216	87	36	products	product	NOUN
asfbr-2216	87	37	.	.	PUNCT
asfbr-2216	88	1	furthermore	furthermore	ADV
asfbr-2216	88	2	,	,	PUNCT
asfbr-2216	88	3	socio	socio	NOUN
asfbr-2216	88	4	-	-	ADJ
asfbr-2216	88	5	demographic	demographic	ADJ
asfbr-2216	88	6	factors	factor	NOUN
asfbr-2216	88	7	influence	influence	VERB
asfbr-2216	88	8	how	how	SCONJ
asfbr-2216	88	9	banks	bank	NOUN
asfbr-2216	88	10	and	and	CCONJ
asfbr-2216	88	11	financial	financial	ADJ
asfbr-2216	88	12	products	product	NOUN
asfbr-2216	88	13	are	be	AUX
asfbr-2216	88	14	perceived	perceive	VERB
asfbr-2216	88	15	.	.	PUNCT
asfbr-2216	89	1	in	in	ADP
asfbr-2216	89	2	a	a	DET
asfbr-2216	89	3	study	study	NOUN
asfbr-2216	89	4	by	by	ADP
asfbr-2216	89	5	carsamer	carsamer	PROPN
asfbr-2216	89	6	(	(	PUNCT
asfbr-2216	89	7	2018	2018	NUM
asfbr-2216	89	8	)	)	PUNCT
asfbr-2216	89	9	,	,	PUNCT
asfbr-2216	89	10	the	the	DET
asfbr-2216	89	11	factors	factor	NOUN
asfbr-2216	89	12	affecting	affect	VERB
asfbr-2216	89	13	customer	customer	NOUN
asfbr-2216	89	14	perceptions	perception	NOUN
asfbr-2216	89	15	of	of	ADP
asfbr-2216	89	16	financial	financial	ADJ
asfbr-2216	89	17	products	product	NOUN
asfbr-2216	89	18	and	and	CCONJ
asfbr-2216	89	19	banking	banking	NOUN
asfbr-2216	89	20	services	service	NOUN
asfbr-2216	89	21	in	in	ADP
asfbr-2216	89	22	ghana	ghana	PROPN
asfbr-2216	89	23	.	.	PUNCT
asfbr-2216	90	1	the	the	DET
asfbr-2216	90	2	results	result	NOUN
asfbr-2216	90	3	indicated	indicate	VERB
asfbr-2216	90	4	that	that	SCONJ
asfbr-2216	90	5	socio	socio	NOUN
asfbr-2216	90	6	-	-	PUNCT
asfbr-2216	90	7	demographic	demographic	ADJ
asfbr-2216	90	8	characteristics	characteristic	NOUN
asfbr-2216	90	9	,	,	PUNCT
asfbr-2216	90	10	such	such	ADJ
asfbr-2216	90	11	as	as	ADP
asfbr-2216	90	12	age	age	NOUN
asfbr-2216	90	13	,	,	PUNCT
asfbr-2216	90	14	marital	marital	ADJ
asfbr-2216	90	15	status	status	NOUN
asfbr-2216	90	16	,	,	PUNCT
asfbr-2216	90	17	and	and	CCONJ
asfbr-2216	90	18	income	income	NOUN
asfbr-2216	90	19	,	,	PUNCT
asfbr-2216	90	20	contribute	contribute	VERB
asfbr-2216	90	21	to	to	ADP
asfbr-2216	90	22	increased	increase	VERB
asfbr-2216	90	23	awareness	awareness	NOUN
asfbr-2216	90	24	of	of	ADP
asfbr-2216	90	25	available	available	ADJ
asfbr-2216	90	26	services	service	NOUN
asfbr-2216	90	27	.	.	PUNCT
asfbr-2216	91	1	based	base	VERB
asfbr-2216	91	2	on	on	ADP
asfbr-2216	91	3	this	this	DET
asfbr-2216	91	4	discussion	discussion	NOUN
asfbr-2216	91	5	,	,	PUNCT
asfbr-2216	91	6	this	this	DET
asfbr-2216	91	7	study	study	NOUN
asfbr-2216	91	8	assumes	assume	VERB
asfbr-2216	91	9	the	the	DET
asfbr-2216	91	10	following	follow	VERB
asfbr-2216	91	11	hypothesis	hypothesis	NOUN
asfbr-2216	91	12	.	.	PUNCT
asfbr-2216	92	1	h4	h4	PROPN
asfbr-2216	92	2	:	:	PUNCT
asfbr-2216	92	3	socio	socio	NOUN
asfbr-2216	92	4	-	-	ADJ
asfbr-2216	92	5	demographic	demographic	ADJ
asfbr-2216	92	6	factors	factor	NOUN
asfbr-2216	92	7	significantly	significantly	ADV
asfbr-2216	92	8	influence	influence	VERB
asfbr-2216	92	9	customer	customer	NOUN
asfbr-2216	92	10	satisfaction	satisfaction	NOUN
asfbr-2216	92	11	with	with	ADP
asfbr-2216	92	12	banking	banking	NOUN
asfbr-2216	92	13	services	service	NOUN
asfbr-2216	92	14	.	.	PUNCT
asfbr-2216	93	1	effect	effect	NOUN
asfbr-2216	93	2	of	of	ADP
asfbr-2216	93	3	financial	financial	ADJ
asfbr-2216	93	4	literacy	literacy	NOUN
asfbr-2216	93	5	on	on	ADP
asfbr-2216	93	6	customer	customer	NOUN
asfbr-2216	93	7	satisfaction	satisfaction	NOUN
asfbr-2216	93	8	a	a	DET
asfbr-2216	93	9	lack	lack	NOUN
asfbr-2216	93	10	of	of	ADP
asfbr-2216	93	11	financial	financial	ADJ
asfbr-2216	93	12	literacy	literacy	NOUN
asfbr-2216	93	13	among	among	ADP
asfbr-2216	93	14	individual	individual	ADJ
asfbr-2216	93	15	investors	investor	NOUN
asfbr-2216	93	16	is	be	AUX
asfbr-2216	93	17	a	a	DET
asfbr-2216	93	18	pervasive	pervasive	ADJ
asfbr-2216	93	19	issue	issue	NOUN
asfbr-2216	93	20	affecting	affect	VERB
asfbr-2216	93	21	many	many	ADJ
asfbr-2216	93	22	global	global	ADJ
asfbr-2216	93	23	investors	investor	NOUN
asfbr-2216	93	24	(	(	PUNCT
asfbr-2216	93	25	lusardi	lusardi	PROPN
asfbr-2216	93	26	&	&	CCONJ
asfbr-2216	93	27	mitchell	mitchell	PROPN
asfbr-2216	93	28	,	,	PUNCT
asfbr-2216	93	29	2011	2011	NUM
asfbr-2216	93	30	)	)	PUNCT
asfbr-2216	93	31	.	.	PUNCT
asfbr-2216	94	1	over	over	ADP
asfbr-2216	94	2	the	the	DET
asfbr-2216	94	3	past	past	ADJ
asfbr-2216	94	4	few	few	ADJ
asfbr-2216	94	5	decades	decade	NOUN
asfbr-2216	94	6	,	,	PUNCT
asfbr-2216	94	7	many	many	ADJ
asfbr-2216	94	8	studies	study	NOUN
asfbr-2216	94	9	have	have	AUX
asfbr-2216	94	10	been	be	AUX
asfbr-2216	94	11	conducted	conduct	VERB
asfbr-2216	94	12	on	on	ADP
asfbr-2216	94	13	the	the	DET
asfbr-2216	94	14	effects	effect	NOUN
asfbr-2216	94	15	of	of	ADP
asfbr-2216	94	16	client	client	NOUN
asfbr-2216	94	17	financial	financial	ADJ
asfbr-2216	94	18	literacy	literacy	NOUN
asfbr-2216	94	19	and	and	CCONJ
asfbr-2216	94	20	investment	investment	NOUN
asfbr-2216	94	21	advice	advice	NOUN
asfbr-2216	94	22	on	on	ADP
asfbr-2216	94	23	investment	investment	NOUN
asfbr-2216	94	24	decisions	decision	NOUN
asfbr-2216	94	25	.	.	PUNCT
asfbr-2216	95	1	in	in	ADP
asfbr-2216	95	2	particular	particular	ADJ
asfbr-2216	95	3	,	,	PUNCT
asfbr-2216	95	4	many	many	ADJ
asfbr-2216	95	5	researchers	researcher	NOUN
asfbr-2216	95	6	have	have	AUX
asfbr-2216	95	7	studied	study	VERB
asfbr-2216	95	8	to	to	PART
asfbr-2216	95	9	assess	assess	VERB
asfbr-2216	95	10	the	the	DET
asfbr-2216	95	11	impact	impact	NOUN
asfbr-2216	95	12	of	of	ADP
asfbr-2216	95	13	financial	financial	ADJ
asfbr-2216	95	14	and	and	CCONJ
asfbr-2216	95	15	investment	investment	NOUN
asfbr-2216	95	16	literacy	literacy	NOUN
asfbr-2216	95	17	on	on	ADP
asfbr-2216	95	18	judgments	judgment	NOUN
asfbr-2216	95	19	about	about	ADP
asfbr-2216	95	20	a	a	DET
asfbr-2216	95	21	range	range	NOUN
asfbr-2216	95	22	of	of	ADP
asfbr-2216	95	23	financial	financial	ADJ
asfbr-2216	95	24	products	product	NOUN
asfbr-2216	95	25	and	and	CCONJ
asfbr-2216	95	26	services	service	NOUN
asfbr-2216	95	27	,	,	PUNCT
asfbr-2216	95	28	including	include	VERB
asfbr-2216	95	29	stock	stock	NOUN
asfbr-2216	95	30	investments	investment	NOUN
asfbr-2216	95	31	,	,	PUNCT
asfbr-2216	95	32	mutual	mutual	ADJ
asfbr-2216	95	33	fund	fund	NOUN
asfbr-2216	95	34	investments	investment	NOUN
asfbr-2216	95	35	,	,	PUNCT
asfbr-2216	95	36	retirement	retirement	NOUN
asfbr-2216	95	37	planning	planning	NOUN
asfbr-2216	95	38	,	,	PUNCT
asfbr-2216	95	39	and	and	CCONJ
asfbr-2216	95	40	mortgage	mortgage	NOUN
asfbr-2216	95	41	financing	financing	NOUN
asfbr-2216	95	42	.	.	PUNCT
asfbr-2216	96	1	(	(	PUNCT
asfbr-2216	96	2	fornero	fornero	PROPN
asfbr-2216	96	3	&	&	CCONJ
asfbr-2216	96	4	monticone	monticone	PROPN
asfbr-2216	96	5	,	,	PUNCT
asfbr-2216	96	6	2011	2011	NUM
asfbr-2216	96	7	;	;	PUNCT
asfbr-2216	96	8	gerardi	gerardi	PROPN
asfbr-2216	96	9	et	et	PROPN
asfbr-2216	96	10	al	al	PROPN
asfbr-2216	96	11	.	.	PROPN
asfbr-2216	96	12	,	,	PUNCT
asfbr-2216	96	13	2010	2010	NUM
asfbr-2216	96	14	;	;	PUNCT
asfbr-2216	96	15	mahdzan	mahdzan	PROPN
asfbr-2216	96	16	et	et	PROPN
asfbr-2216	96	17	al	al	PROPN
asfbr-2216	96	18	.	.	PROPN
asfbr-2216	96	19	,	,	PUNCT
asfbr-2216	96	20	2020	2020	NUM
asfbr-2216	96	21	;	;	PUNCT
asfbr-2216	96	22	müller	müller	PROPN
asfbr-2216	96	23	&	&	CCONJ
asfbr-2216	96	24	weber	weber	PROPN
asfbr-2216	96	25	,	,	PUNCT
asfbr-2216	96	26	2010	2010	NUM
asfbr-2216	96	27	;	;	PUNCT
asfbr-2216	96	28	van	van	PROPN
asfbr-2216	96	29	rooij	rooij	NOUN
asfbr-2216	96	30	et	et	PROPN
asfbr-2216	96	31	al	al	PROPN
asfbr-2216	96	32	.	.	PROPN
asfbr-2216	96	33	,	,	PUNCT
asfbr-2216	96	34	2011	2011	NUM
asfbr-2216	96	35	)	)	PUNCT
asfbr-2216	96	36	.	.	PUNCT
asfbr-2216	97	1	nevertheless	nevertheless	ADV
asfbr-2216	97	2	,	,	PUNCT
asfbr-2216	97	3	the	the	DET
asfbr-2216	97	4	evidence	evidence	NOUN
asfbr-2216	97	5	regarding	regard	VERB
asfbr-2216	97	6	the	the	DET
asfbr-2216	97	7	significance	significance	NOUN
asfbr-2216	97	8	of	of	ADP
asfbr-2216	97	9	financial	financial	ADJ
asfbr-2216	97	10	literacy	literacy	NOUN
asfbr-2216	97	11	in	in	ADP
asfbr-2216	97	12	these	these	DET
asfbr-2216	97	13	financial	financial	ADJ
asfbr-2216	97	14	decisions	decision	NOUN
asfbr-2216	97	15	is	be	AUX
asfbr-2216	97	16	inconclusive	inconclusive	ADJ
asfbr-2216	97	17	.	.	PUNCT
asfbr-2216	98	1	some	some	DET
asfbr-2216	98	2	studies	study	NOUN
asfbr-2216	98	3	have	have	AUX
asfbr-2216	98	4	indicated	indicate	VERB
asfbr-2216	98	5	a	a	DET
asfbr-2216	98	6	significant	significant	ADJ
asfbr-2216	98	7	positive	positive	ADJ
asfbr-2216	98	8	correlation	correlation	NOUN
asfbr-2216	98	9	between	between	ADP
asfbr-2216	98	10	financial	financial	ADJ
asfbr-2216	98	11	literacy	literacy	NOUN
asfbr-2216	98	12	and	and	CCONJ
asfbr-2216	98	13	financial	financial	ADJ
asfbr-2216	98	14	decision	decision	NOUN
asfbr-2216	98	15	-	-	PUNCT
asfbr-2216	98	16	making	making	NOUN
asfbr-2216	98	17	,	,	PUNCT
asfbr-2216	98	18	whereas	whereas	SCONJ
asfbr-2216	98	19	others	other	NOUN
asfbr-2216	98	20	have	have	AUX
asfbr-2216	98	21	demonstrated	demonstrate	VERB
asfbr-2216	98	22	a	a	DET
asfbr-2216	98	23	relatively	relatively	ADV
asfbr-2216	98	24	weak	weak	ADJ
asfbr-2216	98	25	relationship	relationship	NOUN
asfbr-2216	98	26	.	.	PUNCT
asfbr-2216	99	1	in	in	ADP
asfbr-2216	99	2	their	their	PRON
asfbr-2216	99	3	research	research	NOUN
asfbr-2216	99	4	,	,	PUNCT
asfbr-2216	99	5	jamal	jamal	PROPN
asfbr-2216	99	6	and	and	CCONJ
asfbr-2216	99	7	naser	naser	PROPN
asfbr-2216	99	8	(	(	PUNCT
asfbr-2216	99	9	2002	2002	NUM
asfbr-2216	99	10	)	)	PUNCT
asfbr-2216	99	11	showed	show	VERB
asfbr-2216	99	12	that	that	SCONJ
asfbr-2216	99	13	customer	customer	NOUN
asfbr-2216	99	14	expertise	expertise	NOUN
asfbr-2216	99	15	plays	play	VERB
asfbr-2216	99	16	a	a	DET
asfbr-2216	99	17	role	role	NOUN
asfbr-2216	99	18	in	in	ADP
asfbr-2216	99	19	influencing	influence	VERB
asfbr-2216	99	20	customer	customer	NOUN
asfbr-2216	99	21	satisfaction	satisfaction	NOUN
asfbr-2216	99	22	in	in	ADP
asfbr-2216	99	23	the	the	DET
asfbr-2216	99	24	context	context	NOUN
asfbr-2216	99	25	of	of	ADP
asfbr-2216	99	26	retail	retail	ADJ
asfbr-2216	99	27	banking	banking	NOUN
asfbr-2216	99	28	.	.	PUNCT
asfbr-2216	100	1	in	in	ADP
asfbr-2216	100	2	particular	particular	ADJ
asfbr-2216	100	3	,	,	PUNCT
asfbr-2216	100	4	a	a	DET
asfbr-2216	100	5	negative	negative	ADJ
asfbr-2216	100	6	correlation	correlation	NOUN
asfbr-2216	100	7	exists	exist	VERB
asfbr-2216	100	8	between	between	ADP
asfbr-2216	100	9	customer	customer	NOUN
asfbr-2216	100	10	expertise	expertise	NOUN
asfbr-2216	100	11	and	and	CCONJ
asfbr-2216	100	12	satisfaction	satisfaction	NOUN
asfbr-2216	100	13	,	,	PUNCT
asfbr-2216	100	14	indicating	indicate	VERB
asfbr-2216	100	15	that	that	SCONJ
asfbr-2216	100	16	customers	customer	NOUN
asfbr-2216	100	17	with	with	ADP
asfbr-2216	100	18	expertise	expertise	NOUN
asfbr-2216	100	19	tend	tend	VERB
asfbr-2216	100	20	to	to	PART
asfbr-2216	100	21	be	be	AUX
asfbr-2216	100	22	less	less	ADV
asfbr-2216	100	23	satisfied	satisfied	ADJ
asfbr-2216	100	24	.	.	PUNCT
asfbr-2216	101	1	financial	financial	ADJ
asfbr-2216	101	2	literacy	literacy	NOUN
asfbr-2216	101	3	has	have	AUX
asfbr-2216	101	4	been	be	AUX
asfbr-2216	101	5	demonstrated	demonstrate	VERB
asfbr-2216	101	6	to	to	PART
asfbr-2216	101	7	be	be	AUX
asfbr-2216	101	8	associated	associate	VERB
asfbr-2216	101	9	with	with	ADP
asfbr-2216	101	10	investment	investment	NOUN
asfbr-2216	101	11	decision	decision	NOUN
asfbr-2216	101	12	-	-	PUNCT
asfbr-2216	101	13	making	making	NOUN
asfbr-2216	101	14	,	,	PUNCT
asfbr-2216	101	15	specifically	specifically	ADV
asfbr-2216	101	16	the	the	DET
asfbr-2216	101	17	selection	selection	NOUN
asfbr-2216	101	18	of	of	ADP
asfbr-2216	101	19	financial	financial	ADJ
asfbr-2216	101	20	products	product	NOUN
asfbr-2216	101	21	and	and	CCONJ
asfbr-2216	101	22	stock	stock	NOUN
asfbr-2216	101	23	investments	investment	NOUN
asfbr-2216	101	24	.	.	PUNCT
asfbr-2216	102	1	in	in	ADP
asfbr-2216	102	2	their	their	PRON
asfbr-2216	102	3	study	study	NOUN
asfbr-2216	102	4	,	,	PUNCT
asfbr-2216	102	5	van	van	PROPN
asfbr-2216	102	6	rooij	rooij	NOUN
asfbr-2216	102	7	et	et	PROPN
asfbr-2216	102	8	al	al	PROPN
asfbr-2216	102	9	.	.	PROPN
asfbr-2216	103	1	(	(	PUNCT
asfbr-2216	103	2	2011	2011	NUM
asfbr-2216	103	3	)	)	PUNCT
asfbr-2216	103	4	utilized	utilize	VERB
asfbr-2216	103	5	data	datum	NOUN
asfbr-2216	103	6	from	from	ADP
asfbr-2216	103	7	dutch	dutch	ADJ
asfbr-2216	103	8	households	household	NOUN
asfbr-2216	103	9	to	to	PART
asfbr-2216	103	10	investigate	investigate	VERB
asfbr-2216	103	11	the	the	DET
asfbr-2216	103	12	relationship	relationship	NOUN
asfbr-2216	103	13	between	between	ADP
asfbr-2216	103	14	financial	financial	ADJ
asfbr-2216	103	15	literacy	literacy	NOUN
asfbr-2216	103	16	and	and	CCONJ
asfbr-2216	103	17	investment	investment	NOUN
asfbr-2216	103	18	decisions	decision	NOUN
asfbr-2216	103	19	.	.	PUNCT
asfbr-2216	104	1	their	their	PRON
asfbr-2216	104	2	findings	finding	NOUN
asfbr-2216	104	3	indicated	indicate	VERB
asfbr-2216	104	4	that	that	SCONJ
asfbr-2216	104	5	individuals	individual	NOUN
asfbr-2216	104	6	with	with	ADP
asfbr-2216	104	7	excellent	excellent	ADJ
asfbr-2216	104	8	financial	financial	ADJ
asfbr-2216	104	9	knowledge	knowledge	NOUN
asfbr-2216	104	10	were	be	AUX
asfbr-2216	104	11	likelier	likeli	ADJ
asfbr-2216	104	12	to	to	PART
asfbr-2216	104	13	invest	invest	VERB
asfbr-2216	104	14	in	in	ADP
asfbr-2216	104	15	stocks	stock	NOUN
asfbr-2216	104	16	,	,	PUNCT
asfbr-2216	104	17	whereas	whereas	SCONJ
asfbr-2216	104	18	those	those	PRON
asfbr-2216	104	19	with	with	ADP
asfbr-2216	104	20	limited	limited	ADJ
asfbr-2216	104	21	financial	financial	ADJ
asfbr-2216	104	22	literacy	literacy	NOUN
asfbr-2216	104	23	were	be	AUX
asfbr-2216	104	24	less	less	ADV
asfbr-2216	104	25	inclined	inclined	ADJ
asfbr-2216	104	26	.	.	PUNCT
asfbr-2216	105	1	conversely	conversely	ADV
asfbr-2216	105	2	,	,	PUNCT
asfbr-2216	105	3	the	the	DET
asfbr-2216	105	4	satisfaction	satisfaction	NOUN
asfbr-2216	105	5	derived	derive	VERB
asfbr-2216	105	6	from	from	ADP
asfbr-2216	105	7	financial	financial	ADJ
asfbr-2216	105	8	advice	advice	NOUN
asfbr-2216	105	9	financial	financial	ADJ
asfbr-2216	105	10	institutions	institution	NOUN
asfbr-2216	105	11	provide	provide	VERB
asfbr-2216	105	12	is	be	AUX
asfbr-2216	105	13	contingent	contingent	ADJ
asfbr-2216	105	14	upon	upon	SCONJ
asfbr-2216	105	15	the	the	DET
asfbr-2216	105	16	clients	client	NOUN
asfbr-2216	105	17	'	'	PART
asfbr-2216	105	18	financial	financial	ADJ
asfbr-2216	105	19	literacy	literacy	NOUN
asfbr-2216	105	20	level	level	NOUN
asfbr-2216	105	21	.	.	PUNCT
asfbr-2216	106	1	kramer	kramer	PROPN
asfbr-2216	106	2	(	(	PUNCT
asfbr-2216	106	3	2016	2016	NUM
asfbr-2216	106	4	)	)	PUNCT
asfbr-2216	106	5	posited	posit	VERB
asfbr-2216	106	6	that	that	SCONJ
asfbr-2216	106	7	financially	financially	ADV
asfbr-2216	106	8	literate	literate	ADJ
asfbr-2216	106	9	clients	client	NOUN
asfbr-2216	106	10	are	be	AUX
asfbr-2216	106	11	less	less	ADV
asfbr-2216	106	12	likely	likely	ADJ
asfbr-2216	106	13	to	to	PART
asfbr-2216	106	14	seek	seek	VERB
asfbr-2216	106	15	financial	financial	ADJ
asfbr-2216	106	16	advice	advice	NOUN
asfbr-2216	106	17	,	,	PUNCT
asfbr-2216	106	18	and	and	CCONJ
asfbr-2216	106	19	additionally	additionally	ADV
asfbr-2216	106	20	,	,	PUNCT
asfbr-2216	106	21	this	this	DET
asfbr-2216	106	22	relationship	relationship	NOUN
asfbr-2216	106	23	is	be	AUX
asfbr-2216	106	24	more	more	ADV
asfbr-2216	106	25	pronounced	pronounced	ADJ
asfbr-2216	106	26	in	in	ADP
asfbr-2216	106	27	households	household	NOUN
asfbr-2216	106	28	with	with	ADP
asfbr-2216	106	29	more	more	ADV
asfbr-2216	106	30	significant	significant	ADJ
asfbr-2216	106	31	assets	asset	NOUN
asfbr-2216	106	32	.	.	PUNCT
asfbr-2216	107	1	conversely	conversely	ADV
asfbr-2216	107	2	,	,	PUNCT
asfbr-2216	107	3	calcagno	calcagno	NOUN
asfbr-2216	107	4	and	and	CCONJ
asfbr-2216	107	5	monticone	monticone	NOUN
asfbr-2216	107	6	(	(	PUNCT
asfbr-2216	107	7	2015	2015	NUM
asfbr-2216	107	8	)	)	PUNCT
asfbr-2216	107	9	discovered	discover	VERB
asfbr-2216	107	10	that	that	SCONJ
asfbr-2216	107	11	individuals	individual	NOUN
asfbr-2216	107	12	with	with	ADP
asfbr-2216	107	13	superior	superior	ADJ
asfbr-2216	107	14	financial	financial	ADJ
asfbr-2216	107	15	literacy	literacy	NOUN
asfbr-2216	107	16	were	be	AUX
asfbr-2216	107	17	more	more	ADV
asfbr-2216	107	18	prone	prone	ADJ
asfbr-2216	107	19	to	to	PART
asfbr-2216	107	20	utilize	utilize	VERB
asfbr-2216	107	21	investment	investment	NOUN
asfbr-2216	107	22	advisors	advisor	NOUN
asfbr-2216	107	23	.	.	PUNCT
asfbr-2216	108	1	moreover	moreover	ADV
asfbr-2216	108	2	,	,	PUNCT
asfbr-2216	108	3	calcagno	calcagno	NOUN
asfbr-2216	108	4	and	and	CCONJ
asfbr-2216	108	5	monticone	monticone	NOUN
asfbr-2216	108	6	(	(	PUNCT
asfbr-2216	108	7	2015	2015	NUM
asfbr-2216	108	8	)	)	PUNCT
asfbr-2216	108	9	discovered	discover	VERB
asfbr-2216	108	10	that	that	SCONJ
asfbr-2216	108	11	individuals	individual	NOUN
asfbr-2216	108	12	with	with	ADP
asfbr-2216	108	13	elevated	elevated	ADJ
asfbr-2216	108	14	financial	financial	ADJ
asfbr-2216	108	15	literacy	literacy	NOUN
asfbr-2216	108	16	were	be	AUX
asfbr-2216	108	17	more	more	ADV
asfbr-2216	108	18	prone	prone	ADJ
asfbr-2216	108	19	to	to	PART
asfbr-2216	108	20	use	use	VERB
asfbr-2216	108	21	investment	investment	NOUN
asfbr-2216	108	22	advisors	advisor	NOUN
asfbr-2216	108	23	.	.	PUNCT
asfbr-2216	109	1	vlašić	vlašić	INTJ
asfbr-2216	109	2	et	et	PROPN
asfbr-2216	109	3	al	al	PROPN
asfbr-2216	109	4	.	.	PROPN
asfbr-2216	110	1	(	(	PUNCT
asfbr-2216	110	2	2022	2022	NUM
asfbr-2216	110	3	)	)	PUNCT
asfbr-2216	110	4	also	also	ADV
asfbr-2216	110	5	found	find	VERB
asfbr-2216	110	6	that	that	SCONJ
asfbr-2216	110	7	individuals	individual	NOUN
asfbr-2216	110	8	with	with	ADP
asfbr-2216	110	9	low	low	ADJ
asfbr-2216	110	10	financial	financial	ADJ
asfbr-2216	110	11	literacy	literacy	NOUN
asfbr-2216	110	12	,	,	PUNCT
asfbr-2216	110	13	compared	compare	VERB
asfbr-2216	110	14	to	to	ADP
asfbr-2216	110	15	those	those	PRON
asfbr-2216	110	16	with	with	ADP
asfbr-2216	110	17	high	high	ADJ
asfbr-2216	110	18	financial	financial	ADJ
asfbr-2216	110	19	literacy	literacy	NOUN
asfbr-2216	110	20	,	,	PUNCT
asfbr-2216	110	21	were	be	AUX
asfbr-2216	110	22	more	more	ADV
asfbr-2216	110	23	likely	likely	ADJ
asfbr-2216	110	24	to	to	PART
asfbr-2216	110	25	rely	rely	VERB
asfbr-2216	110	26	on	on	ADP
asfbr-2216	110	27	subjective	subjective	ADJ
asfbr-2216	110	28	cues	cue	NOUN
asfbr-2216	110	29	(	(	PUNCT
asfbr-2216	110	30	e.g.	e.g.	ADV
asfbr-2216	110	31	,	,	PUNCT
asfbr-2216	110	32	customer	customer	NOUN
asfbr-2216	110	33	feedback	feedback	NOUN
asfbr-2216	110	34	)	)	PUNCT
asfbr-2216	110	35	in	in	ADP
asfbr-2216	110	36	generating	generate	VERB
asfbr-2216	110	37	cognitive	cognitive	ADJ
asfbr-2216	110	38	loyalty	loyalty	NOUN
asfbr-2216	110	39	when	when	SCONJ
asfbr-2216	110	40	recommending	recommend	VERB
asfbr-2216	110	41	financial	financial	ADJ
asfbr-2216	110	42	products	product	NOUN
asfbr-2216	110	43	to	to	ADP
asfbr-2216	110	44	others	other	NOUN
asfbr-2216	110	45	.	.	PUNCT
asfbr-2216	111	1	this	this	DET
asfbr-2216	111	2	study	study	NOUN
asfbr-2216	111	3	indicates	indicate	VERB
asfbr-2216	111	4	that	that	SCONJ
asfbr-2216	111	5	individuals	individual	NOUN
asfbr-2216	111	6	with	with	ADP
asfbr-2216	111	7	limited	limited	ADJ
asfbr-2216	111	8	financial	financial	ADJ
asfbr-2216	111	9	literacy	literacy	NOUN
asfbr-2216	111	10	are	be	AUX
asfbr-2216	111	11	prone	prone	ADJ
asfbr-2216	111	12	to	to	ADP
asfbr-2216	111	13	making	make	VERB
asfbr-2216	111	14	decisions	decision	NOUN
asfbr-2216	111	15	that	that	PRON
asfbr-2216	111	16	may	may	AUX
asfbr-2216	111	17	not	not	PART
asfbr-2216	111	18	be	be	AUX
asfbr-2216	111	19	entirely	entirely	ADV
asfbr-2216	111	20	rational	rational	ADJ
asfbr-2216	111	21	.	.	PUNCT
asfbr-2216	112	1	as	as	SCONJ
asfbr-2216	112	2	previously	previously	ADV
asfbr-2216	112	3	discussed	discuss	VERB
asfbr-2216	112	4	,	,	PUNCT
asfbr-2216	112	5	financial	financial	ADJ
asfbr-2216	112	6	literacy	literacy	NOUN
asfbr-2216	112	7	affects	affect	VERB
asfbr-2216	112	8	the	the	DET
asfbr-2216	112	9	investment	investment	NOUN
asfbr-2216	112	10	behavior	behavior	NOUN
asfbr-2216	112	11	of	of	ADP
asfbr-2216	112	12	retail	retail	ADJ
asfbr-2216	112	13	customers	customer	NOUN
asfbr-2216	112	14	of	of	ADP
asfbr-2216	112	15	financial	financial	ADJ
asfbr-2216	112	16	institutions	institution	NOUN
asfbr-2216	112	17	because	because	SCONJ
asfbr-2216	112	18	it	it	PRON
asfbr-2216	112	19	affects	affect	VERB
asfbr-2216	112	20	individuals	individual	NOUN
asfbr-2216	112	21	'	'	PART
asfbr-2216	112	22	asset	asset	NOUN
asfbr-2216	112	23	choices	choice	NOUN
asfbr-2216	112	24	.	.	PUNCT
asfbr-2216	113	1	furthermore	furthermore	ADV
asfbr-2216	113	2	,	,	PUNCT
asfbr-2216	113	3	the	the	DET
asfbr-2216	113	4	presence	presence	NOUN
asfbr-2216	113	5	of	of	ADP
asfbr-2216	113	6	investment	investment	NOUN
asfbr-2216	113	7	advice	advice	NOUN
asfbr-2216	113	8	by	by	ADP
asfbr-2216	113	9	financial	financial	ADJ
asfbr-2216	113	10	institutions	institution	NOUN
asfbr-2216	113	11	can	can	AUX
asfbr-2216	113	12	have	have	VERB
asfbr-2216	113	13	a	a	DET
asfbr-2216	113	14	complex	complex	ADJ
asfbr-2216	113	15	impact	impact	NOUN
asfbr-2216	113	16	on	on	ADP
asfbr-2216	113	17	their	their	PRON
asfbr-2216	113	18	decisions	decision	NOUN
asfbr-2216	113	19	and	and	CCONJ
asfbr-2216	113	20	customers	customer	NOUN
asfbr-2216	113	21	'	'	PART
asfbr-2216	113	22	satisfaction	satisfaction	NOUN
asfbr-2216	113	23	with	with	ADP
asfbr-2216	113	24	their	their	PRON
asfbr-2216	113	25	financial	financial	ADJ
asfbr-2216	113	26	institutions	institution	NOUN
asfbr-2216	113	27	.	.	PUNCT
asfbr-2216	114	1	in	in	ADP
asfbr-2216	114	2	light	light	NOUN
asfbr-2216	114	3	of	of	ADP
asfbr-2216	114	4	the	the	DET
asfbr-2216	114	5	preceding	precede	VERB
asfbr-2216	114	6	discussion	discussion	NOUN
asfbr-2216	114	7	,	,	PUNCT
asfbr-2216	114	8	this	this	DET
asfbr-2216	114	9	study	study	NOUN
asfbr-2216	114	10	predicts	predict	VERB
asfbr-2216	114	11	the	the	DET
asfbr-2216	114	12	following	follow	VERB
asfbr-2216	114	13	hypothesis	hypothesis	NOUN
asfbr-2216	114	14	:	:	PUNCT
asfbr-2216	114	15	h5	h5	PROPN
asfbr-2216	114	16	:	:	PUNCT
asfbr-2216	114	17	customers	customer	NOUN
asfbr-2216	114	18	'	'	PART
asfbr-2216	114	19	financial	financial	ADJ
asfbr-2216	114	20	literacy	literacy	NOUN
asfbr-2216	114	21	level	level	NOUN
asfbr-2216	114	22	significantly	significantly	ADV
asfbr-2216	114	23	influences	influence	VERB
asfbr-2216	114	24	customer	customer	NOUN
asfbr-2216	114	25	satisfaction	satisfaction	NOUN
asfbr-2216	114	26	with	with	ADP
asfbr-2216	114	27	banking	banking	NOUN
asfbr-2216	114	28	services	service	NOUN
asfbr-2216	114	29	.	.	PUNCT
asfbr-2216	115	1	materials	material	NOUN
asfbr-2216	115	2	and	and	CCONJ
asfbr-2216	115	3	methods	method	NOUN
asfbr-2216	115	4	in	in	ADP
asfbr-2216	115	5	this	this	DET
asfbr-2216	115	6	research	research	NOUN
asfbr-2216	115	7	,	,	PUNCT
asfbr-2216	115	8	a	a	DET
asfbr-2216	115	9	quantitative	quantitative	ADJ
asfbr-2216	115	10	analysis	analysis	NOUN
asfbr-2216	115	11	is	be	AUX
asfbr-2216	115	12	performed	perform	VERB
asfbr-2216	115	13	using	use	VERB
asfbr-2216	115	14	the	the	DET
asfbr-2216	115	15	results	result	NOUN
asfbr-2216	115	16	of	of	ADP
asfbr-2216	115	17	a	a	DET
asfbr-2216	115	18	questionnaire	questionnaire	NOUN
asfbr-2216	115	19	survey	survey	NOUN
asfbr-2216	115	20	that	that	PRON
asfbr-2216	115	21	includes	include	VERB
asfbr-2216	115	22	the	the	DET
asfbr-2216	115	23	satisfaction	satisfaction	NOUN
asfbr-2216	115	24	levels	level	NOUN
asfbr-2216	115	25	of	of	ADP
asfbr-2216	115	26	customers	customer	NOUN
asfbr-2216	115	27	of	of	ADP
asfbr-2216	115	28	japanese	japanese	ADJ
asfbr-2216	115	29	regional	regional	ADJ
asfbr-2216	115	30	banks	bank	NOUN
asfbr-2216	115	31	.	.	PUNCT
asfbr-2216	116	1	the	the	DET
asfbr-2216	116	2	survey	survey	NOUN
asfbr-2216	116	3	results	result	NOUN
asfbr-2216	116	4	utilized	utilize	VERB
asfbr-2216	116	5	in	in	ADP
asfbr-2216	116	6	this	this	DET
asfbr-2216	116	7	study	study	NOUN
asfbr-2216	116	8	were	be	AUX
asfbr-2216	116	9	derived	derive	VERB
asfbr-2216	116	10	from	from	ADP
asfbr-2216	116	11	the	the	DET
asfbr-2216	116	12	2019	2019	NUM
asfbr-2216	116	13	and	and	CCONJ
asfbr-2216	116	14	2020	2020	NUM
asfbr-2216	116	15	editions	edition	NOUN
asfbr-2216	116	16	of	of	ADP
asfbr-2216	116	17	the	the	DET
asfbr-2216	116	18	japan	japan	PROPN
asfbr-2216	116	19	financial	financial	PROPN
asfbr-2216	116	20	institution	institution	NOUN
asfbr-2216	116	21	customer	customer	NOUN
asfbr-2216	116	22	ratings	rating	NOUN
asfbr-2216	116	23	meter	meter	NOUN
asfbr-2216	116	24	®	®	PROPN
asfbr-2216	116	25	,	,	PUNCT
asfbr-2216	116	26	a	a	DET
asfbr-2216	116	27	database	database	NOUN
asfbr-2216	116	28	of	of	ADP
asfbr-2216	116	29	the	the	DET
asfbr-2216	116	30	results	result	NOUN
asfbr-2216	116	31	of	of	ADP
asfbr-2216	116	32	an	an	DET
asfbr-2216	116	33	online	online	ADJ
asfbr-2216	116	34	questionnaire	questionnaire	NOUN
asfbr-2216	116	35	survey	survey	NOUN
asfbr-2216	116	36	on	on	ADP
asfbr-2216	116	37	the	the	DET
asfbr-2216	116	38	evaluation	evaluation	NOUN
asfbr-2216	116	39	of	of	ADP
asfbr-2216	116	40	financial	financial	ADJ
asfbr-2216	116	41	institutions	institution	NOUN
asfbr-2216	116	42	conducted	conduct	VERB
asfbr-2216	116	43	every	every	DET
asfbr-2216	116	44	august	august	NOUN
asfbr-2216	116	45	among	among	ADP
asfbr-2216	116	46	japanese	japanese	ADJ
asfbr-2216	116	47	adult	adult	NOUN
asfbr-2216	116	48	aged	aged	ADJ
asfbr-2216	116	49	20	20	NUM
asfbr-2216	116	50	and	and	CCONJ
asfbr-2216	116	51	over	over	ADV
asfbr-2216	116	52	,	,	PUNCT
asfbr-2216	116	53	with	with	ADP
asfbr-2216	116	54	approximately	approximately	ADV
asfbr-2216	116	55	170,000	170,000	NUM
asfbr-2216	116	56	responses	response	NOUN
asfbr-2216	116	57	received	receive	VERB
asfbr-2216	116	58	in	in	ADP
asfbr-2216	116	59	each	each	DET
asfbr-2216	116	60	year	year	NOUN
asfbr-2216	116	61	.	.	PUNCT
asfbr-2216	117	1	nikkei	nikkei	PROPN
asfbr-2216	117	2	research	research	PROPN
asfbr-2216	117	3	inc	inc	PROPN
asfbr-2216	117	4	.	.	PROPN
asfbr-2216	117	5	provides	provide	VERB
asfbr-2216	117	6	the	the	DET
asfbr-2216	117	7	meter	meter	NOUN
asfbr-2216	117	8	®	®	NOUN
asfbr-2216	117	9	.	.	PUNCT
asfbr-2216	118	1	the	the	DET
asfbr-2216	118	2	japan	japan	PROPN
asfbr-2216	118	3	financial	financial	PROPN
asfbr-2216	118	4	institution	institution	NOUN
asfbr-2216	118	5	customer	customer	NOUN
asfbr-2216	118	6	ratings	rating	NOUN
asfbr-2216	118	7	meter	meter	NOUN
asfbr-2216	118	8	®	®	NOUN
asfbr-2216	118	9	is	be	AUX
asfbr-2216	118	10	a	a	DET
asfbr-2216	118	11	database	database	NOUN
asfbr-2216	118	12	of	of	ADP
asfbr-2216	118	13	the	the	DET
asfbr-2216	118	14	results	result	NOUN
asfbr-2216	118	15	of	of	ADP
asfbr-2216	118	16	an	an	DET
asfbr-2216	118	17	online	online	ADJ
asfbr-2216	118	18	questionnaire	questionnaire	NOUN
asfbr-2216	118	19	survey	survey	NOUN
asfbr-2216	118	20	on	on	ADP
asfbr-2216	118	21	the	the	DET
asfbr-2216	118	22	mori	mori	PROPN
asfbr-2216	118	23	et	et	PROPN
asfbr-2216	118	24	al	al	PROPN
asfbr-2216	118	25	.	.	PROPN
asfbr-2216	118	26	,	,	PUNCT
asfbr-2216	118	27	asian	asian	PROPN
asfbr-2216	118	28	finance	finance	PROPN
asfbr-2216	118	29	&	&	CCONJ
asfbr-2216	118	30	banking	banking	PROPN
asfbr-2216	118	31	review	review	NOUN
asfbr-2216	118	32	8(1	8(1	NOUN
asfbr-2216	118	33	)	)	PUNCT
asfbr-2216	118	34	(	(	PUNCT
asfbr-2216	118	35	2024	2024	NUM
asfbr-2216	118	36	)	)	PUNCT
asfbr-2216	118	37	,	,	PUNCT
asfbr-2216	118	38	1	1	NUM
asfbr-2216	118	39	-	-	SYM
asfbr-2216	118	40	12	12	NUM
asfbr-2216	118	41	4	4	NUM
asfbr-2216	118	42	evaluation	evaluation	NOUN
asfbr-2216	118	43	of	of	ADP
asfbr-2216	118	44	financial	financial	ADJ
asfbr-2216	118	45	institutions	institution	NOUN
asfbr-2216	118	46	conducted	conduct	VERB
asfbr-2216	118	47	every	every	DET
asfbr-2216	118	48	august	august	NOUN
asfbr-2216	118	49	among	among	ADP
asfbr-2216	118	50	the	the	DET
asfbr-2216	118	51	general	general	ADJ
asfbr-2216	118	52	population	population	NOUN
asfbr-2216	118	53	of	of	ADP
asfbr-2216	118	54	individuals	individual	NOUN
asfbr-2216	118	55	aged	age	VERB
asfbr-2216	118	56	20	20	NUM
asfbr-2216	118	57	and	and	CCONJ
asfbr-2216	118	58	over	over	ADP
asfbr-2216	118	59	nationwide	nationwide	ADJ
asfbr-2216	118	60	.	.	PUNCT
asfbr-2216	119	1	each	each	DET
asfbr-2216	119	2	year	year	NOUN
asfbr-2216	119	3	,	,	PUNCT
asfbr-2216	119	4	the	the	DET
asfbr-2216	119	5	meter	meter	NOUN
asfbr-2216	119	6	®	®	NOUN
asfbr-2216	119	7	receives	receive	VERB
asfbr-2216	119	8	approximately	approximately	ADV
asfbr-2216	119	9	170,000	170,000	NUM
asfbr-2216	119	10	responses	response	NOUN
asfbr-2216	119	11	.	.	PUNCT
asfbr-2216	120	1	the	the	DET
asfbr-2216	120	2	individual	individual	ADJ
asfbr-2216	120	3	questionnaire	questionnaire	NOUN
asfbr-2216	120	4	results	result	NOUN
asfbr-2216	120	5	are	be	AUX
asfbr-2216	120	6	available	available	ADJ
asfbr-2216	120	7	for	for	ADP
asfbr-2216	120	8	46	46	NUM
asfbr-2216	120	9	regional	regional	ADJ
asfbr-2216	120	10	banks	bank	NOUN
asfbr-2216	120	11	and	and	CCONJ
asfbr-2216	120	12	12	12	NUM
asfbr-2216	120	13	second	second	ADJ
asfbr-2216	120	14	-	-	PUNCT
asfbr-2216	120	15	tier	tier	NOUN
asfbr-2216	120	16	regional	regional	ADJ
asfbr-2216	120	17	banks	bank	NOUN
asfbr-2216	120	18	in	in	ADP
asfbr-2216	120	19	the	the	DET
asfbr-2216	120	20	2019	2019	NUM
asfbr-2216	120	21	data	datum	NOUN
asfbr-2216	120	22	set	set	VERB
asfbr-2216	120	23	and	and	CCONJ
asfbr-2216	120	24	45	45	NUM
asfbr-2216	120	25	regional	regional	ADJ
asfbr-2216	120	26	banks	bank	NOUN
asfbr-2216	120	27	and	and	CCONJ
asfbr-2216	120	28	12	12	NUM
asfbr-2216	120	29	secondtier	secondtier	NOUN
asfbr-2216	120	30	regional	regional	ADJ
asfbr-2216	120	31	banks	bank	NOUN
asfbr-2216	120	32	in	in	ADP
asfbr-2216	120	33	the	the	DET
asfbr-2216	120	34	2020	2020	NUM
asfbr-2216	120	35	data	datum	NOUN
asfbr-2216	120	36	set	set	VERB
asfbr-2216	120	37	,	,	PUNCT
asfbr-2216	120	38	with	with	ADP
asfbr-2216	120	39	one	one	NUM
asfbr-2216	120	40	fewer	few	ADJ
asfbr-2216	120	41	regional	regional	ADJ
asfbr-2216	120	42	bank	bank	NOUN
asfbr-2216	120	43	.	.	PUNCT
asfbr-2216	121	1	for	for	ADP
asfbr-2216	121	2	this	this	DET
asfbr-2216	121	3	paper	paper	NOUN
asfbr-2216	121	4	,	,	PUNCT
asfbr-2216	121	5	the	the	DET
asfbr-2216	121	6	term	term	NOUN
asfbr-2216	121	7	"	"	PUNCT
asfbr-2216	121	8	regional	regional	ADJ
asfbr-2216	121	9	banks	bank	NOUN
asfbr-2216	121	10	"	"	PUNCT
asfbr-2216	121	11	encompasses	encompass	VERB
asfbr-2216	121	12	the	the	DET
asfbr-2216	121	13	banks	bank	NOUN
asfbr-2216	121	14	above	above	ADV
asfbr-2216	121	15	and	and	CCONJ
asfbr-2216	121	16	saitama	saitama	PROPN
asfbr-2216	121	17	resona	resona	PROPN
asfbr-2216	121	18	bank	bank	PROPN
asfbr-2216	121	19	.	.	PUNCT
asfbr-2216	122	1	those	those	PRON
asfbr-2216	122	2	who	who	PRON
asfbr-2216	122	3	utilized	utilize	VERB
asfbr-2216	122	4	these	these	DET
asfbr-2216	122	5	banks	bank	NOUN
asfbr-2216	122	6	were	be	AUX
asfbr-2216	122	7	included	include	VERB
asfbr-2216	122	8	in	in	ADP
asfbr-2216	122	9	the	the	DET
asfbr-2216	122	10	analysis	analysis	NOUN
asfbr-2216	122	11	.	.	PUNCT
asfbr-2216	123	1	the	the	DET
asfbr-2216	123	2	questionnaire	questionnaire	NOUN
asfbr-2216	123	3	comprises	comprise	VERB
asfbr-2216	123	4	30	30	NUM
asfbr-2216	123	5	questions	question	NOUN
asfbr-2216	123	6	designed	design	VERB
asfbr-2216	123	7	to	to	PART
asfbr-2216	123	8	elicit	elicit	VERB
asfbr-2216	123	9	information	information	NOUN
asfbr-2216	123	10	on	on	ADP
asfbr-2216	123	11	various	various	ADJ
asfbr-2216	123	12	socio	socio	NOUN
asfbr-2216	123	13	-	-	ADJ
asfbr-2216	123	14	demographic	demographic	ADJ
asfbr-2216	123	15	factors	factor	NOUN
asfbr-2216	123	16	for	for	ADP
asfbr-2216	123	17	each	each	DET
asfbr-2216	123	18	respondent	respondent	NOUN
asfbr-2216	123	19	.	.	PUNCT
asfbr-2216	124	1	the	the	DET
asfbr-2216	124	2	questionnaire	questionnaire	NOUN
asfbr-2216	124	3	includes	include	VERB
asfbr-2216	124	4	questions	question	NOUN
asfbr-2216	124	5	regarding	regard	VERB
asfbr-2216	124	6	the	the	DET
asfbr-2216	124	7	respondents	respondent	NOUN
asfbr-2216	124	8	'	'	PART
asfbr-2216	124	9	gender	gender	NOUN
asfbr-2216	124	10	,	,	PUNCT
asfbr-2216	124	11	age	age	NOUN
asfbr-2216	124	12	,	,	PUNCT
asfbr-2216	124	13	area	area	NOUN
asfbr-2216	124	14	of	of	ADP
asfbr-2216	124	15	residence	residence	NOUN
asfbr-2216	124	16	,	,	PUNCT
asfbr-2216	124	17	occupation	occupation	NOUN
asfbr-2216	124	18	,	,	PUNCT
asfbr-2216	124	19	the	the	DET
asfbr-2216	124	20	number	number	NOUN
asfbr-2216	124	21	of	of	ADP
asfbr-2216	124	22	financial	financial	ADJ
asfbr-2216	124	23	assets	asset	NOUN
asfbr-2216	124	24	held	hold	VERB
asfbr-2216	124	25	,	,	PUNCT
asfbr-2216	124	26	and	and	CCONJ
asfbr-2216	124	27	customer	customer	NOUN
asfbr-2216	124	28	characteristics	characteristic	NOUN
asfbr-2216	124	29	such	such	ADJ
asfbr-2216	124	30	as	as	ADP
asfbr-2216	124	31	savings	saving	NOUN
asfbr-2216	124	32	and	and	CCONJ
asfbr-2216	124	33	investment	investment	NOUN
asfbr-2216	124	34	style	style	NOUN
asfbr-2216	124	35	and	and	CCONJ
asfbr-2216	124	36	financial	financial	ADJ
asfbr-2216	124	37	literacy	literacy	NOUN
asfbr-2216	124	38	.	.	PUNCT
asfbr-2216	125	1	the	the	DET
asfbr-2216	125	2	questionnaire	questionnaire	NOUN
asfbr-2216	125	3	includes	include	VERB
asfbr-2216	125	4	questions	question	NOUN
asfbr-2216	125	5	about	about	ADP
asfbr-2216	125	6	the	the	DET
asfbr-2216	125	7	respondent	respondent	NOUN
asfbr-2216	125	8	's	's	PART
asfbr-2216	125	9	relationship	relationship	NOUN
asfbr-2216	125	10	with	with	ADP
asfbr-2216	125	11	the	the	DET
asfbr-2216	125	12	financial	financial	ADJ
asfbr-2216	125	13	institution	institution	NOUN
asfbr-2216	125	14	.	.	PUNCT
asfbr-2216	126	1	these	these	PRON
asfbr-2216	126	2	include	include	VERB
asfbr-2216	126	3	the	the	DET
asfbr-2216	126	4	points	point	NOUN
asfbr-2216	126	5	of	of	ADP
asfbr-2216	126	6	contact	contact	NOUN
asfbr-2216	126	7	between	between	ADP
asfbr-2216	126	8	the	the	DET
asfbr-2216	126	9	respondent	respondent	NOUN
asfbr-2216	126	10	and	and	CCONJ
asfbr-2216	126	11	each	each	DET
asfbr-2216	126	12	financial	financial	ADJ
asfbr-2216	126	13	institution	institution	NOUN
asfbr-2216	126	14	,	,	PUNCT
asfbr-2216	126	15	the	the	DET
asfbr-2216	126	16	services	service	NOUN
asfbr-2216	126	17	provided	provide	VERB
asfbr-2216	126	18	at	at	ADP
asfbr-2216	126	19	the	the	DET
asfbr-2216	126	20	financial	financial	ADJ
asfbr-2216	126	21	institution	institution	NOUN
asfbr-2216	126	22	,	,	PUNCT
asfbr-2216	126	23	and	and	CCONJ
asfbr-2216	126	24	the	the	DET
asfbr-2216	126	25	overall	overall	ADJ
asfbr-2216	126	26	satisfaction	satisfaction	NOUN
asfbr-2216	126	27	level	level	NOUN
asfbr-2216	126	28	of	of	ADP
asfbr-2216	126	29	the	the	DET
asfbr-2216	126	30	financial	financial	ADJ
asfbr-2216	126	31	institution	institution	NOUN
asfbr-2216	126	32	used	use	VERB
asfbr-2216	126	33	.	.	PUNCT
asfbr-2216	127	1	the	the	DET
asfbr-2216	127	2	30	30	NUM
asfbr-2216	127	3	questions	question	NOUN
asfbr-2216	127	4	in	in	ADP
asfbr-2216	127	5	this	this	DET
asfbr-2216	127	6	paper	paper	NOUN
asfbr-2216	127	7	address	address	NOUN
asfbr-2216	127	8	various	various	ADJ
asfbr-2216	127	9	topics	topic	NOUN
asfbr-2216	127	10	,	,	PUNCT
asfbr-2216	127	11	including	include	VERB
asfbr-2216	127	12	gender	gender	NOUN
asfbr-2216	127	13	,	,	PUNCT
asfbr-2216	127	14	age	age	NOUN
asfbr-2216	127	15	,	,	PUNCT
asfbr-2216	127	16	occupation	occupation	NOUN
asfbr-2216	127	17	,	,	PUNCT
asfbr-2216	127	18	financial	financial	ADJ
asfbr-2216	127	19	assets	asset	NOUN
asfbr-2216	127	20	,	,	PUNCT
asfbr-2216	127	21	products	product	NOUN
asfbr-2216	127	22	and	and	CCONJ
asfbr-2216	127	23	services	service	NOUN
asfbr-2216	127	24	currently	currently	ADV
asfbr-2216	127	25	utilized	utilize	VERB
asfbr-2216	127	26	by	by	ADP
asfbr-2216	127	27	financial	financial	ADJ
asfbr-2216	127	28	institutions	institution	NOUN
asfbr-2216	127	29	,	,	PUNCT
asfbr-2216	127	30	contact	contact	NOUN
asfbr-2216	127	31	with	with	ADP
asfbr-2216	127	32	financial	financial	ADJ
asfbr-2216	127	33	institutions	institution	NOUN
asfbr-2216	127	34	within	within	ADP
asfbr-2216	127	35	the	the	DET
asfbr-2216	127	36	past	past	ADJ
asfbr-2216	127	37	year	year	NOUN
asfbr-2216	127	38	,	,	PUNCT
asfbr-2216	127	39	overall	overall	ADJ
asfbr-2216	127	40	satisfaction	satisfaction	NOUN
asfbr-2216	127	41	with	with	ADP
asfbr-2216	127	42	the	the	DET
asfbr-2216	127	43	financial	financial	ADJ
asfbr-2216	127	44	institutions	institution	NOUN
asfbr-2216	127	45	used	use	VERB
asfbr-2216	127	46	,	,	PUNCT
asfbr-2216	127	47	and	and	CCONJ
asfbr-2216	127	48	financial	financial	ADJ
asfbr-2216	127	49	literacy	literacy	NOUN
asfbr-2216	127	50	.	.	PUNCT
asfbr-2216	128	1	for	for	ADP
asfbr-2216	128	2	reference	reference	NOUN
asfbr-2216	128	3	,	,	PUNCT
asfbr-2216	128	4	these	these	DET
asfbr-2216	128	5	questions	question	NOUN
asfbr-2216	128	6	are	be	AUX
asfbr-2216	128	7	presented	present	VERB
asfbr-2216	128	8	in	in	ADP
asfbr-2216	128	9	table	table	NOUN
asfbr-2216	128	10	1	1	NUM
asfbr-2216	128	11	.	.	PUNCT
asfbr-2216	129	1	the	the	DET
asfbr-2216	129	2	sample	sample	NOUN
asfbr-2216	129	3	size	size	NOUN
asfbr-2216	129	4	for	for	ADP
asfbr-2216	129	5	2019	2019	NUM
asfbr-2216	129	6	was	be	AUX
asfbr-2216	129	7	10,890	10,890	NUM
asfbr-2216	129	8	,	,	PUNCT
asfbr-2216	129	9	while	while	SCONJ
asfbr-2216	129	10	that	that	PRON
asfbr-2216	129	11	for	for	ADP
asfbr-2216	129	12	2020	2020	NUM
asfbr-2216	129	13	was	be	AUX
asfbr-2216	129	14	10,601	10,601	NUM
asfbr-2216	129	15	.	.	PUNCT
asfbr-2216	129	16	table	table	NOUN
asfbr-2216	129	17	1	1	NUM
asfbr-2216	129	18	.	.	PUNCT
asfbr-2216	129	19	customer	customer	NOUN
asfbr-2216	129	20	satisfaction	satisfaction	NOUN
asfbr-2216	129	21	factors	factor	NOUN
asfbr-2216	129	22	variables	variable	VERB
asfbr-2216	129	23	definition	definition	NOUN
asfbr-2216	129	24	personal	personal	ADJ
asfbr-2216	129	25	attributes	attribute	NOUN
asfbr-2216	129	26	and	and	CCONJ
asfbr-2216	129	27	bank	bank	NOUN
asfbr-2216	129	28	competition	competition	NOUN
asfbr-2216	129	29	gender	gender	NOUN
asfbr-2216	129	30	age	age	NOUN
asfbr-2216	129	31	female=0	female=0	PROPN
asfbr-2216	129	32	;	;	PUNCT
asfbr-2216	129	33	male=1	male=1	PROPN
asfbr-2216	129	34	the	the	DET
asfbr-2216	129	35	class	class	NOUN
asfbr-2216	129	36	value	value	NOUN
asfbr-2216	129	37	for	for	ADP
asfbr-2216	129	38	each	each	DET
asfbr-2216	129	39	age	age	NOUN
asfbr-2216	129	40	group	group	NOUN
asfbr-2216	129	41	is	be	AUX
asfbr-2216	129	42	divided	divide	VERB
asfbr-2216	129	43	into	into	ADP
asfbr-2216	129	44	13	13	NUM
asfbr-2216	129	45	classes	class	NOUN
asfbr-2216	129	46	,	,	PUNCT
asfbr-2216	129	47	from	from	ADP
asfbr-2216	129	48	age	age	NOUN
asfbr-2216	129	49	20	20	NUM
asfbr-2216	129	50	to	to	PART
asfbr-2216	129	51	79	79	NUM
asfbr-2216	129	52	and	and	CCONJ
asfbr-2216	129	53	80	80	NUM
asfbr-2216	129	54	and	and	CCONJ
asfbr-2216	129	55	above	above	ADV
asfbr-2216	129	56	in	in	ADP
asfbr-2216	129	57	5	5	NUM
asfbr-2216	129	58	-	-	PUNCT
asfbr-2216	129	59	year	year	NOUN
asfbr-2216	129	60	age	age	NOUN
asfbr-2216	129	61	increments	increment	NOUN
asfbr-2216	129	62	.	.	PUNCT
asfbr-2216	130	1	each	each	DET
asfbr-2216	130	2	age	age	NOUN
asfbr-2216	130	3	group	group	NOUN
asfbr-2216	130	4	value	value	NOUN
asfbr-2216	130	5	(	(	PUNCT
asfbr-2216	130	6	e.g.	e.g.	ADV
asfbr-2216	130	7	,	,	PUNCT
asfbr-2216	130	8	22	22	NUM
asfbr-2216	130	9	for	for	ADP
asfbr-2216	130	10	ages	age	NOUN
asfbr-2216	130	11	20	20	NUM
asfbr-2216	130	12	to	to	PART
asfbr-2216	130	13	24	24	NUM
asfbr-2216	130	14	)	)	PUNCT
asfbr-2216	130	15	occupation	occupation	NOUN
asfbr-2216	130	16	0	0	NUM
asfbr-2216	130	17	for	for	ADP
asfbr-2216	130	18	retirees	retiree	NOUN
asfbr-2216	130	19	,	,	PUNCT
asfbr-2216	130	20	unemployed	unemployed	ADJ
asfbr-2216	130	21	persons	person	NOUN
asfbr-2216	130	22	,	,	PUNCT
asfbr-2216	130	23	and	and	CCONJ
asfbr-2216	130	24	others	other	NOUN
asfbr-2216	130	25	without	without	ADP
asfbr-2216	130	26	regular	regular	ADJ
asfbr-2216	130	27	employment	employment	NOUN
asfbr-2216	130	28	and	and	CCONJ
asfbr-2216	130	29	1	1	NUM
asfbr-2216	130	30	for	for	ADP
asfbr-2216	130	31	those	those	PRON
asfbr-2216	130	32	with	with	ADP
asfbr-2216	130	33	other	other	ADJ
asfbr-2216	130	34	regular	regular	ADJ
asfbr-2216	130	35	jobs	job	NOUN
asfbr-2216	130	36	.	.	PUNCT
asfbr-2216	131	1	assets	asset	NOUN
asfbr-2216	131	2	logarithmic	logarithmic	ADJ
asfbr-2216	131	3	value	value	NOUN
asfbr-2216	131	4	of	of	ADP
asfbr-2216	131	5	total	total	ADJ
asfbr-2216	131	6	financial	financial	ADJ
asfbr-2216	131	7	assets	asset	NOUN
asfbr-2216	131	8	expressed	express	VERB
asfbr-2216	131	9	as	as	ADP
asfbr-2216	131	10	the	the	DET
asfbr-2216	131	11	median	median	NOUN
asfbr-2216	131	12	for	for	ADP
asfbr-2216	131	13	the	the	DET
asfbr-2216	131	14	class	class	NOUN
asfbr-2216	131	15	(	(	PUNCT
asfbr-2216	131	16	e.g.	e.g.	ADV
asfbr-2216	131	17	,	,	PUNCT
asfbr-2216	131	18	2	2	NUM
asfbr-2216	131	19	million	million	NUM
asfbr-2216	131	20	yen	yen	NOUN
asfbr-2216	131	21	for	for	ADP
asfbr-2216	131	22	1	1	NUM
asfbr-2216	131	23	to	to	PART
asfbr-2216	131	24	3	3	NUM
asfbr-2216	131	25	million	million	NUM
asfbr-2216	131	26	yen	yen	NOUN
asfbr-2216	131	27	,	,	PUNCT
asfbr-2216	131	28	etc	etc	X
asfbr-2216	131	29	.	.	X
asfbr-2216	131	30	)	)	PUNCT
asfbr-2216	132	1	literacy	literacy	NOUN
asfbr-2216	132	2	financial	financial	ADJ
asfbr-2216	132	3	literacy	literacy	NOUN
asfbr-2216	132	4	;	;	PUNCT
asfbr-2216	132	5	the	the	DET
asfbr-2216	132	6	overall	overall	ADJ
asfbr-2216	132	7	score	score	NOUN
asfbr-2216	132	8	for	for	ADP
asfbr-2216	132	9	the	the	DET
asfbr-2216	132	10	10	10	NUM
asfbr-2216	132	11	questions	question	NOUN
asfbr-2216	132	12	was	be	AUX
asfbr-2216	132	13	calculated	calculate	VERB
asfbr-2216	132	14	for	for	ADP
asfbr-2216	132	15	each	each	DET
asfbr-2216	132	16	individual	individual	NOUN
asfbr-2216	132	17	,	,	PUNCT
asfbr-2216	132	18	with	with	ADP
asfbr-2216	132	19	+2	+2	PROPN
asfbr-2216	132	20	for	for	ADP
asfbr-2216	132	21	correct	correct	ADJ
asfbr-2216	132	22	answers	answer	NOUN
asfbr-2216	132	23	,	,	PUNCT
asfbr-2216	132	24	-2	-2	CCONJ
asfbr-2216	132	25	hhi	hhi	PROPN
asfbr-2216	132	26	herfindahl	herfindahl	NOUN
asfbr-2216	132	27	-	-	PUNCT
asfbr-2216	132	28	hirschman	hirschman	NOUN
asfbr-2216	132	29	index	index	NOUN
asfbr-2216	132	30	:	:	PUNCT
asfbr-2216	132	31	calculated	calculate	VERB
asfbr-2216	132	32	from	from	ADP
asfbr-2216	132	33	the	the	DET
asfbr-2216	132	34	share	share	NOUN
asfbr-2216	132	35	of	of	ADP
asfbr-2216	132	36	total	total	ADJ
asfbr-2216	132	37	deposits	deposit	NOUN
asfbr-2216	132	38	by	by	ADP
asfbr-2216	132	39	financial	financial	ADJ
asfbr-2216	132	40	institution	institution	NOUN
asfbr-2216	132	41	and	and	CCONJ
asfbr-2216	132	42	business	business	NOUN
asfbr-2216	132	43	type	type	NOUN
asfbr-2216	132	44	by	by	ADP
asfbr-2216	132	45	prefecture	prefecture	NOUN
asfbr-2216	132	46	.	.	PUNCT
asfbr-2216	133	1	shr	shr	PROPN
asfbr-2216	133	2	deposits	deposit	NOUN
asfbr-2216	133	3	market	market	NOUN
asfbr-2216	133	4	share	share	NOUN
asfbr-2216	133	5	:	:	PUNCT
asfbr-2216	133	6	calculated	calculate	VERB
asfbr-2216	133	7	from	from	ADP
asfbr-2216	133	8	total	total	ADJ
asfbr-2216	133	9	deposits	deposit	NOUN
asfbr-2216	133	10	by	by	ADP
asfbr-2216	133	11	financial	financial	ADJ
asfbr-2216	133	12	institution	institution	NOUN
asfbr-2216	133	13	and	and	CCONJ
asfbr-2216	133	14	business	business	NOUN
asfbr-2216	133	15	category	category	NOUN
asfbr-2216	133	16	by	by	ADP
asfbr-2216	133	17	prefecture	prefecture	NOUN
asfbr-2216	133	18	.	.	PUNCT
asfbr-2216	134	1	contacts	contact	NOUN
asfbr-2216	134	2	viewed	view	VERB
asfbr-2216	134	3	in	in	ADP
asfbr-2216	134	4	the	the	DET
asfbr-2216	134	5	past	past	ADJ
asfbr-2216	134	6	year	year	NOUN
asfbr-2216	134	7	staff	staff	NOUN
asfbr-2216	134	8	salespeople	salespeople	NOUN
asfbr-2216	134	9	visits	visit	VERB
asfbr-2216	134	10	,	,	PUNCT
asfbr-2216	134	11	phone	phone	NOUN
asfbr-2216	134	12	calls	call	NOUN
asfbr-2216	134	13	,	,	PUNCT
asfbr-2216	134	14	in	in	ADP
asfbr-2216	134	15	-	-	PUNCT
asfbr-2216	134	16	store	store	NOUN
asfbr-2216	134	17	callcenter	callcenter	NOUN
asfbr-2216	134	18	call	call	NOUN
asfbr-2216	134	19	center	center	PROPN
asfbr-2216	134	20	website	website	NOUN
asfbr-2216	134	21	website	website	NOUN
asfbr-2216	134	22	,	,	PUNCT
asfbr-2216	134	23	smartphone	smartphone	NOUN
asfbr-2216	134	24	apps	app	NOUN
asfbr-2216	134	25	,	,	PUNCT
asfbr-2216	134	26	homepage	homepage	NOUN
asfbr-2216	134	27	events	event	NOUN
asfbr-2216	134	28	customer	customer	NOUN
asfbr-2216	134	29	events	event	NOUN
asfbr-2216	134	30	and	and	CCONJ
asfbr-2216	134	31	seminars	seminar	NOUN
asfbr-2216	134	32	organized	organize	VERB
asfbr-2216	134	33	by	by	ADP
asfbr-2216	134	34	the	the	DET
asfbr-2216	134	35	bank	bank	NOUN
asfbr-2216	134	36	sns	sns	PROPN
asfbr-2216	134	37	social	social	ADJ
asfbr-2216	134	38	networking	network	VERB
asfbr-2216	134	39	sites	site	NOUN
asfbr-2216	134	40	,	,	PUNCT
asfbr-2216	134	41	i.e.	i.e.	X
asfbr-2216	134	42	facebook	facebook	NOUN
asfbr-2216	134	43	,	,	PUNCT
asfbr-2216	134	44	line	line	NOUN
asfbr-2216	134	45	,	,	PUNCT
asfbr-2216	134	46	twitter	twitter	NOUN
asfbr-2216	134	47	etc	etc	X
asfbr-2216	134	48	.	.	PUNCT
asfbr-2216	134	49	pop	pop	VERB
asfbr-2216	134	50	-	-	PUNCT
asfbr-2216	134	51	up	up	ADP
asfbr-2216	134	52	online	online	ADJ
asfbr-2216	134	53	video	video	NOUN
asfbr-2216	134	54	commercials	commercial	NOUN
asfbr-2216	134	55	and	and	CCONJ
asfbr-2216	134	56	pop	pop	VERB
asfbr-2216	134	57	-	-	PUNCT
asfbr-2216	134	58	up	up	ADP
asfbr-2216	134	59	ads	ad	NOUN
asfbr-2216	134	60	trainads	trainad	NOUN
asfbr-2216	134	61	train	train	NOUN
asfbr-2216	134	62	ads	ad	NOUN
asfbr-2216	134	63	,	,	PUNCT
asfbr-2216	134	64	dm	dm	PROPN
asfbr-2216	134	65	flyers	flyer	NOUN
asfbr-2216	134	66	,	,	PUNCT
asfbr-2216	134	67	brochures	brochure	NOUN
asfbr-2216	134	68	,	,	PUNCT
asfbr-2216	134	69	and	and	CCONJ
asfbr-2216	134	70	other	other	ADJ
asfbr-2216	134	71	ads	ad	NOUN
asfbr-2216	134	72	none	none	NOUN
asfbr-2216	134	73	none	none	NOUN
asfbr-2216	134	74	products	product	NOUN
asfbr-2216	134	75	and	and	CCONJ
asfbr-2216	134	76	services	service	NOUN
asfbr-2216	134	77	currently	currently	ADV
asfbr-2216	134	78	used	use	VERB
asfbr-2216	134	79	;	;	PUNCT
asfbr-2216	134	80	deposit	deposit	NOUN
asfbr-2216	134	81	deposits	deposit	NOUN
asfbr-2216	134	82	and	and	CCONJ
asfbr-2216	134	83	settlements	settlement	NOUN
asfbr-2216	134	84	related	relate	VERB
asfbr-2216	134	85	(	(	PUNCT
asfbr-2216	134	86	ordinary	ordinary	ADJ
asfbr-2216	134	87	and	and	CCONJ
asfbr-2216	134	88	fixed	fix	VERB
asfbr-2216	134	89	deposits	deposit	NOUN
asfbr-2216	134	90	,	,	PUNCT
asfbr-2216	134	91	foreign	foreign	ADJ
asfbr-2216	134	92	currency	currency	NOUN
asfbr-2216	134	93	deposits	deposit	NOUN
asfbr-2216	134	94	,	,	PUNCT
asfbr-2216	134	95	fixed	fix	VERB
asfbr-2216	134	96	term	term	NOUN
asfbr-2216	134	97	and	and	CCONJ
asfbr-2216	134	98	fixed	fix	VERB
asfbr-2216	134	99	amount	amount	NOUN
asfbr-2216	134	100	savings	saving	NOUN
asfbr-2216	134	101	(	(	PUNCT
asfbr-2216	134	102	by	by	ADP
asfbr-2216	134	103	japan	japan	PROPN
asfbr-2216	134	104	post	post	PROPN
asfbr-2216	134	105	bank	bank	PROPN
asfbr-2216	134	106	)	)	PUNCT
asfbr-2216	134	107	,	,	PUNCT
asfbr-2216	134	108	debit	debit	NOUN
asfbr-2216	134	109	cards	card	NOUN
asfbr-2216	134	110	)	)	PUNCT
asfbr-2216	134	111	hloan	hloan	VERB
asfbr-2216	134	112	housing	housing	NOUN
asfbr-2216	134	113	loan	loan	NOUN
asfbr-2216	134	114	investment	investment	NOUN
asfbr-2216	134	115	investment	investment	NOUN
asfbr-2216	134	116	(	(	PUNCT
asfbr-2216	134	117	stock	stock	NOUN
asfbr-2216	134	118	trading	trading	NOUN
asfbr-2216	134	119	,	,	PUNCT
asfbr-2216	134	120	japanese	japanese	ADJ
asfbr-2216	134	121	government	government	NOUN
asfbr-2216	134	122	bond	bond	NOUN
asfbr-2216	134	123	for	for	ADP
asfbr-2216	134	124	individuals	individual	NOUN
asfbr-2216	134	125	,	,	PUNCT
asfbr-2216	134	126	mutual	mutual	ADJ
asfbr-2216	134	127	funds	fund	NOUN
asfbr-2216	134	128	and	and	CCONJ
asfbr-2216	134	129	etfs	etfs	NOUN
asfbr-2216	134	130	,	,	PUNCT
asfbr-2216	134	131	foreign	foreign	ADJ
asfbr-2216	134	132	currency	currency	NOUN
asfbr-2216	134	133	mmfs	mmfs	NOUN
asfbr-2216	134	134	,	,	PUNCT
asfbr-2216	134	135	reit	reit	PROPN
asfbr-2216	134	136	,	,	PUNCT
asfbr-2216	134	137	wrap	wrap	NOUN
asfbr-2216	134	138	accounts	account	NOUN
asfbr-2216	134	139	and	and	CCONJ
asfbr-2216	134	140	fund	fund	VERB
asfbr-2216	134	141	wrap	wrap	NOUN
asfbr-2216	134	142	accounts	account	NOUN
asfbr-2216	134	143	,	,	PUNCT
asfbr-2216	134	144	robo	robo	NOUN
asfbr-2216	134	145	advisor	advisor	NOUN
asfbr-2216	134	146	)	)	PUNCT
asfbr-2216	134	147	insurance	insurance	NOUN
asfbr-2216	134	148	insurance	insurance	NOUN
asfbr-2216	134	149	and	and	CCONJ
asfbr-2216	134	150	private	private	ADJ
asfbr-2216	134	151	pensions	pension	NOUN
asfbr-2216	134	152	related	relate	VERB
asfbr-2216	134	153	(	(	PUNCT
asfbr-2216	134	154	medical	medical	ADJ
asfbr-2216	134	155	care	care	NOUN
asfbr-2216	134	156	insurance	insurance	NOUN
asfbr-2216	134	157	,	,	PUNCT
asfbr-2216	134	158	yen	yen	NOUN
asfbr-2216	134	159	and	and	CCONJ
asfbr-2216	134	160	foreign	foreign	ADJ
asfbr-2216	134	161	currency	currency	NOUN
asfbr-2216	134	162	savings	saving	NOUN
asfbr-2216	134	163	insurance	insurance	NOUN
asfbr-2216	134	164	,	,	PUNCT
asfbr-2216	134	165	ideco	ideco	PROPN
asfbr-2216	134	166	(	(	PUNCT
asfbr-2216	134	167	individual	individual	ADJ
asfbr-2216	134	168	-	-	PUNCT
asfbr-2216	134	169	type	type	NOUN
asfbr-2216	134	170	defined	define	VERB
asfbr-2216	134	171	contribution	contribution	NOUN
asfbr-2216	134	172	pension	pension	NOUN
asfbr-2216	134	173	plan	plan	NOUN
asfbr-2216	134	174	)	)	PUNCT
asfbr-2216	134	175	fixed	fix	VERB
asfbr-2216	134	176	and	and	CCONJ
asfbr-2216	134	177	variable	variable	ADJ
asfbr-2216	134	178	individual	individual	ADJ
asfbr-2216	134	179	annuities	annuity	NOUN
asfbr-2216	134	180	)	)	PUNCT
asfbr-2216	134	181	in	in	ADP
asfbr-2216	134	182	the	the	DET
asfbr-2216	134	183	banking	banking	NOUN
asfbr-2216	134	184	industry	industry	NOUN
asfbr-2216	134	185	,	,	PUNCT
asfbr-2216	134	186	it	it	PRON
asfbr-2216	134	187	has	have	AUX
asfbr-2216	134	188	been	be	AUX
asfbr-2216	134	189	observed	observe	VERB
asfbr-2216	134	190	that	that	SCONJ
asfbr-2216	134	191	banks	bank	NOUN
asfbr-2216	134	192	operating	operate	VERB
asfbr-2216	134	193	in	in	ADP
asfbr-2216	134	194	competitive	competitive	ADJ
asfbr-2216	134	195	environments	environment	NOUN
asfbr-2216	134	196	strive	strive	VERB
asfbr-2216	134	197	to	to	PART
asfbr-2216	134	198	establish	establish	VERB
asfbr-2216	134	199	sustainable	sustainable	ADJ
asfbr-2216	134	200	competitive	competitive	ADJ
asfbr-2216	134	201	advantages	advantage	NOUN
asfbr-2216	134	202	through	through	ADP
asfbr-2216	134	203	enhanced	enhanced	ADJ
asfbr-2216	134	204	service	service	NOUN
asfbr-2216	134	205	quality	quality	NOUN
asfbr-2216	134	206	and	and	CCONJ
asfbr-2216	134	207	customer	customer	NOUN
asfbr-2216	134	208	relationships	relationship	NOUN
asfbr-2216	134	209	(	(	PUNCT
asfbr-2216	134	210	petridou	petridou	NOUN
asfbr-2216	134	211	et	et	PROPN
asfbr-2216	134	212	al	al	PROPN
asfbr-2216	134	213	.	.	PROPN
asfbr-2216	134	214	,	,	PUNCT
asfbr-2216	134	215	2007	2007	NUM
asfbr-2216	134	216	)	)	PUNCT
asfbr-2216	134	217	.	.	PUNCT
asfbr-2216	135	1	consequently	consequently	ADV
asfbr-2216	135	2	,	,	PUNCT
asfbr-2216	135	3	a	a	DET
asfbr-2216	135	4	variable	variable	NOUN
asfbr-2216	135	5	indicates	indicate	VERB
asfbr-2216	135	6	the	the	DET
asfbr-2216	135	7	degree	degree	NOUN
asfbr-2216	135	8	of	of	ADP
asfbr-2216	135	9	competition	competition	NOUN
asfbr-2216	135	10	in	in	ADP
asfbr-2216	135	11	the	the	DET
asfbr-2216	135	12	retail	retail	ADJ
asfbr-2216	135	13	business	business	NOUN
asfbr-2216	135	14	of	of	ADP
asfbr-2216	135	15	each	each	DET
asfbr-2216	135	16	regional	regional	ADJ
asfbr-2216	135	17	bank	bank	NOUN
asfbr-2216	135	18	.	.	PUNCT
asfbr-2216	136	1	the	the	DET
asfbr-2216	136	2	herfindahlhirschman	herfindahlhirschman	PROPN
asfbr-2216	136	3	index	index	NOUN
asfbr-2216	136	4	(	(	PUNCT
asfbr-2216	136	5	hhi	hhi	NOUN
asfbr-2216	136	6	)	)	PUNCT
asfbr-2216	136	7	is	be	AUX
asfbr-2216	136	8	calculated	calculate	VERB
asfbr-2216	136	9	from	from	ADP
asfbr-2216	136	10	the	the	DET
asfbr-2216	136	11	deposit	deposit	NOUN
asfbr-2216	136	12	share	share	NOUN
asfbr-2216	136	13	in	in	ADP
asfbr-2216	136	14	each	each	DET
asfbr-2216	136	15	prefecture	prefecture	NOUN
asfbr-2216	136	16	where	where	SCONJ
asfbr-2216	136	17	the	the	DET
asfbr-2216	136	18	head	head	NOUN
asfbr-2216	136	19	office	office	NOUN
asfbr-2216	136	20	of	of	ADP
asfbr-2216	136	21	each	each	DET
asfbr-2216	136	22	regional	regional	ADJ
asfbr-2216	136	23	bank	bank	NOUN
asfbr-2216	136	24	is	be	AUX
asfbr-2216	136	25	located	locate	VERB
asfbr-2216	136	26	.	.	PUNCT
asfbr-2216	137	1	this	this	DET
asfbr-2216	137	2	index	index	NOUN
asfbr-2216	137	3	is	be	AUX
asfbr-2216	137	4	employed	employ	VERB
asfbr-2216	137	5	as	as	ADP
asfbr-2216	137	6	a	a	DET
asfbr-2216	137	7	measure	measure	NOUN
asfbr-2216	137	8	of	of	ADP
asfbr-2216	137	9	the	the	DET
asfbr-2216	137	10	degree	degree	NOUN
asfbr-2216	137	11	of	of	ADP
asfbr-2216	137	12	competition	competition	NOUN
asfbr-2216	137	13	in	in	ADP
asfbr-2216	137	14	that	that	DET
asfbr-2216	137	15	prefecture	prefecture	NOUN
asfbr-2216	137	16	.	.	PUNCT
asfbr-2216	138	1	additionally	additionally	ADV
asfbr-2216	138	2	,	,	PUNCT
asfbr-2216	138	3	the	the	DET
asfbr-2216	138	4	inprefecture	inprefecture	NOUN
asfbr-2216	138	5	deposit	deposit	NOUN
asfbr-2216	138	6	share	share	NOUN
asfbr-2216	138	7	(	(	PUNCT
asfbr-2216	138	8	shr	shr	PROPN
asfbr-2216	138	9	)	)	PUNCT
asfbr-2216	138	10	is	be	AUX
asfbr-2216	138	11	used	use	VERB
asfbr-2216	138	12	as	as	ADP
asfbr-2216	138	13	a	a	DET
asfbr-2216	138	14	control	control	NOUN
asfbr-2216	138	15	variable	variable	NOUN
asfbr-2216	138	16	,	,	PUNCT
asfbr-2216	138	17	which	which	PRON
asfbr-2216	138	18	indicates	indicate	VERB
asfbr-2216	138	19	the	the	DET
asfbr-2216	138	20	name	name	NOUN
asfbr-2216	138	21	recognition	recognition	NOUN
asfbr-2216	138	22	and	and	CCONJ
asfbr-2216	138	23	influence	influence	NOUN
asfbr-2216	138	24	of	of	ADP
asfbr-2216	138	25	the	the	DET
asfbr-2216	138	26	relevant	relevant	ADJ
asfbr-2216	138	27	regional	regional	ADJ
asfbr-2216	138	28	bank	bank	NOUN
asfbr-2216	138	29	on	on	ADP
asfbr-2216	138	30	its	its	PRON
asfbr-2216	138	31	customers	customer	NOUN
asfbr-2216	138	32	.	.	PUNCT
asfbr-2216	139	1	the	the	DET
asfbr-2216	139	2	number	number	NOUN
asfbr-2216	139	3	of	of	ADP
asfbr-2216	139	4	samples	sample	NOUN
asfbr-2216	139	5	was	be	AUX
asfbr-2216	139	6	75,690	75,690	NUM
asfbr-2216	139	7	in	in	ADP
asfbr-2216	139	8	2019	2019	NUM
asfbr-2216	139	9	and	and	CCONJ
asfbr-2216	139	10	2020	2020	NUM
asfbr-2216	139	11	,	,	PUNCT
asfbr-2216	139	12	including	include	VERB
asfbr-2216	139	13	data	datum	NOUN
asfbr-2216	139	14	other	other	ADJ
asfbr-2216	139	15	than	than	ADP
asfbr-2216	139	16	meter	meter	NOUN
asfbr-2216	139	17	.	.	PUNCT
asfbr-2216	140	1	in	in	ADP
asfbr-2216	140	2	addition	addition	NOUN
asfbr-2216	140	3	to	to	ADP
asfbr-2216	140	4	servqual	servqual	ADJ
asfbr-2216	140	5	,	,	PUNCT
asfbr-2216	140	6	there	there	PRON
asfbr-2216	140	7	are	be	VERB
asfbr-2216	140	8	different	different	ADJ
asfbr-2216	140	9	methods	method	NOUN
asfbr-2216	140	10	of	of	ADP
asfbr-2216	140	11	analyzing	analyze	VERB
asfbr-2216	140	12	customer	customer	NOUN
asfbr-2216	140	13	satisfaction	satisfaction	NOUN
asfbr-2216	140	14	,	,	PUNCT
asfbr-2216	140	15	such	such	ADJ
asfbr-2216	140	16	as	as	ADP
asfbr-2216	140	17	the	the	DET
asfbr-2216	140	18	national	national	ADJ
asfbr-2216	140	19	customer	customer	NOUN
asfbr-2216	140	20	satisfaction	satisfaction	NOUN
asfbr-2216	140	21	index	index	NOUN
asfbr-2216	140	22	(	(	PUNCT
asfbr-2216	140	23	ncsi	ncsi	PROPN
asfbr-2216	140	24	)	)	PUNCT
asfbr-2216	140	25	or	or	CCONJ
asfbr-2216	140	26	nonlinear	nonlinear	ADJ
asfbr-2216	140	27	regression	regression	NOUN
asfbr-2216	140	28	models	model	NOUN
asfbr-2216	140	29	that	that	PRON
asfbr-2216	140	30	estimate	estimate	VERB
asfbr-2216	140	31	customer	customer	NOUN
asfbr-2216	140	32	satisfaction	satisfaction	NOUN
asfbr-2216	140	33	factors	factor	NOUN
asfbr-2216	140	34	(	(	PUNCT
asfbr-2216	140	35	arbore	arbore	NOUN
asfbr-2216	140	36	&	&	CCONJ
asfbr-2216	140	37	busacca	busacca	PROPN
asfbr-2216	140	38	,	,	PUNCT
asfbr-2216	140	39	2009	2009	NUM
asfbr-2216	140	40	)	)	PUNCT
asfbr-2216	140	41	.	.	PUNCT
asfbr-2216	141	1	in	in	ADP
asfbr-2216	141	2	recent	recent	ADJ
asfbr-2216	141	3	years	year	NOUN
asfbr-2216	141	4	,	,	PUNCT
asfbr-2216	141	5	numerous	numerous	ADJ
asfbr-2216	141	6	analyses	analysis	NOUN
asfbr-2216	141	7	,	,	PUNCT
asfbr-2216	141	8	including	include	VERB
asfbr-2216	141	9	ordinal	ordinal	ADJ
asfbr-2216	141	10	logit	logit	NOUN
asfbr-2216	141	11	and	and	CCONJ
asfbr-2216	141	12	ordinal	ordinal	ADJ
asfbr-2216	141	13	probit	probit	NOUN
asfbr-2216	141	14	regression	regression	NOUN
asfbr-2216	141	15	models	model	NOUN
asfbr-2216	141	16	,	,	PUNCT
asfbr-2216	141	17	have	have	AUX
asfbr-2216	141	18	been	be	AUX
asfbr-2216	141	19	employed	employ	VERB
asfbr-2216	141	20	(	(	PUNCT
asfbr-2216	141	21	ngo	ngo	PROPN
asfbr-2216	141	22	,	,	PUNCT
asfbr-2216	141	23	2015	2015	NUM
asfbr-2216	141	24	;	;	PUNCT
asfbr-2216	141	25	moraru	moraru	NOUN
asfbr-2216	141	26	et	et	PROPN
asfbr-2216	141	27	al	al	PROPN
asfbr-2216	141	28	.	.	PROPN
asfbr-2216	141	29	,	,	PUNCT
asfbr-2216	141	30	2022	2022	NUM
asfbr-2216	141	31	)	)	PUNCT
asfbr-2216	141	32	.	.	PUNCT
asfbr-2216	142	1	in	in	ADP
asfbr-2216	142	2	this	this	DET
asfbr-2216	142	3	analysis	analysis	NOUN
asfbr-2216	142	4	,	,	PUNCT
asfbr-2216	142	5	we	we	PRON
asfbr-2216	142	6	used	use	VERB
asfbr-2216	142	7	ordered	order	VERB
asfbr-2216	142	8	probit	probit	NOUN
asfbr-2216	142	9	regression	regression	NOUN
asfbr-2216	142	10	models	model	NOUN
asfbr-2216	142	11	,	,	PUNCT
asfbr-2216	142	12	utilized	utilize	VERB
asfbr-2216	142	13	in	in	ADP
asfbr-2216	142	14	numerous	numerous	ADJ
asfbr-2216	142	15	previous	previous	ADJ
asfbr-2216	142	16	studies	study	NOUN
asfbr-2216	142	17	in	in	ADP
asfbr-2216	142	18	recent	recent	ADJ
asfbr-2216	142	19	years	year	NOUN
asfbr-2216	142	20	.	.	PUNCT
asfbr-2216	143	1	results	result	NOUN
asfbr-2216	143	2	and	and	CCONJ
asfbr-2216	143	3	discussions	discussion	NOUN
asfbr-2216	143	4	descriptive	descriptive	ADJ
asfbr-2216	143	5	results	result	NOUN
asfbr-2216	143	6	table	table	VERB
asfbr-2216	143	7	2	2	NUM
asfbr-2216	143	8	depicts	depict	VERB
asfbr-2216	143	9	that	that	SCONJ
asfbr-2216	143	10	most	most	ADJ
asfbr-2216	143	11	respondents	respondent	NOUN
asfbr-2216	143	12	(	(	PUNCT
asfbr-2216	143	13	59.9	59.9	NUM
asfbr-2216	143	14	%	%	NOUN
asfbr-2216	143	15	)	)	PUNCT
asfbr-2216	143	16	are	be	AUX
asfbr-2216	143	17	between	between	ADP
asfbr-2216	143	18	the	the	DET
asfbr-2216	143	19	ages	age	NOUN
asfbr-2216	143	20	of	of	ADP
asfbr-2216	143	21	40	40	NUM
asfbr-2216	143	22	and	and	CCONJ
asfbr-2216	143	23	59	59	NUM
asfbr-2216	143	24	,	,	PUNCT
asfbr-2216	143	25	with	with	ADP
asfbr-2216	143	26	a	a	DET
asfbr-2216	143	27	slight	slight	ADJ
asfbr-2216	143	28	majority	majority	NOUN
asfbr-2216	143	29	of	of	ADP
asfbr-2216	143	30	males	male	NOUN
asfbr-2216	143	31	(	(	PUNCT
asfbr-2216	143	32	55.3	55.3	NUM
asfbr-2216	143	33	%	%	NOUN
asfbr-2216	143	34	)	)	PUNCT
asfbr-2216	143	35	.	.	PUNCT
asfbr-2216	144	1	additionally	additionally	ADV
asfbr-2216	144	2	,	,	PUNCT
asfbr-2216	144	3	most	most	ADJ
asfbr-2216	144	4	respondents	respondent	NOUN
asfbr-2216	144	5	(	(	PUNCT
asfbr-2216	144	6	55.3	55.3	NUM
asfbr-2216	144	7	%	%	NOUN
asfbr-2216	144	8	)	)	PUNCT
asfbr-2216	144	9	have	have	VERB
asfbr-2216	144	10	regular	regular	ADJ
asfbr-2216	144	11	jobs	job	NOUN
asfbr-2216	144	12	,	,	PUNCT
asfbr-2216	144	13	which	which	PRON
asfbr-2216	144	14	may	may	AUX
asfbr-2216	144	15	include	include	VERB
asfbr-2216	144	16	homemakers	homemaker	NOUN
asfbr-2216	144	17	/	/	SYM
asfbr-2216	144	18	househusbands	househusband	NOUN
asfbr-2216	144	19	or	or	CCONJ
asfbr-2216	144	20	older	old	ADJ
asfbr-2216	144	21	,	,	PUNCT
asfbr-2216	144	22	nonretired	nonretired	ADJ
asfbr-2216	144	23	persons	person	NOUN
asfbr-2216	144	24	.	.	PUNCT
asfbr-2216	145	1	the	the	DET
asfbr-2216	145	2	respondents	respondent	NOUN
asfbr-2216	145	3	'	'	PART
asfbr-2216	145	4	mean	mean	ADJ
asfbr-2216	145	5	and	and	CCONJ
asfbr-2216	145	6	median	median	ADJ
asfbr-2216	145	7	financial	financial	ADJ
asfbr-2216	145	8	assets	asset	NOUN
asfbr-2216	145	9	were	be	AUX
asfbr-2216	145	10	18.71	18.71	NUM
asfbr-2216	145	11	million	million	NUM
asfbr-2216	145	12	and	and	CCONJ
asfbr-2216	145	13	4.5	4.5	NUM
asfbr-2216	145	14	million	million	NUM
asfbr-2216	145	15	,	,	PUNCT
asfbr-2216	145	16	respectively	respectively	ADV
asfbr-2216	145	17	.	.	PUNCT
asfbr-2216	146	1	those	those	PRON
asfbr-2216	146	2	who	who	PRON
asfbr-2216	146	3	scored	score	VERB
asfbr-2216	146	4	0	0	NUM
asfbr-2216	146	5	or	or	CCONJ
asfbr-2216	146	6	more	more	ADV
asfbr-2216	146	7	correct	correct	ADJ
asfbr-2216	146	8	answers	answer	NOUN
asfbr-2216	146	9	exhibited	exhibit	VERB
asfbr-2216	146	10	a	a	DET
asfbr-2216	146	11	financial	financial	ADJ
asfbr-2216	146	12	literacy	literacy	NOUN
asfbr-2216	146	13	level	level	NOUN
asfbr-2216	146	14	exceeding	exceed	VERB
asfbr-2216	146	15	60	60	NUM
asfbr-2216	146	16	%	%	NOUN
asfbr-2216	146	17	.	.	PUNCT
asfbr-2216	147	1	48	48	NUM
asfbr-2216	147	2	%	%	NOUN
asfbr-2216	147	3	of	of	ADP
asfbr-2216	147	4	respondents	respondent	NOUN
asfbr-2216	147	5	indicated	indicate	VERB
asfbr-2216	147	6	that	that	SCONJ
asfbr-2216	147	7	they	they	PRON
asfbr-2216	147	8	had	have	AUX
asfbr-2216	147	9	contacted	contact	VERB
asfbr-2216	147	10	a	a	DET
asfbr-2216	147	11	financial	financial	ADJ
asfbr-2216	147	12	institution	institution	NOUN
asfbr-2216	147	13	in	in	ADP
asfbr-2216	147	14	some	some	DET
asfbr-2216	147	15	form	form	NOUN
asfbr-2216	147	16	,	,	PUNCT
asfbr-2216	147	17	with	with	ADP
asfbr-2216	147	18	24.3	24.3	NUM
asfbr-2216	147	19	%	%	NOUN
asfbr-2216	147	20	stating	state	VERB
asfbr-2216	147	21	that	that	SCONJ
asfbr-2216	147	22	they	they	PRON
asfbr-2216	147	23	had	have	AUX
asfbr-2216	147	24	done	do	VERB
asfbr-2216	147	25	so	so	ADV
asfbr-2216	147	26	through	through	ADP
asfbr-2216	147	27	direct	direct	ADJ
asfbr-2216	147	28	contact	contact	NOUN
asfbr-2216	147	29	with	with	ADP
asfbr-2216	147	30	staff	staff	NOUN
asfbr-2216	147	31	and	and	CCONJ
asfbr-2216	147	32	13.1	13.1	NUM
asfbr-2216	147	33	%	%	NOUN
asfbr-2216	147	34	via	via	ADP
asfbr-2216	147	35	the	the	DET
asfbr-2216	147	36	institution	institution	NOUN
asfbr-2216	147	37	's	's	PART
asfbr-2216	147	38	website	website	NOUN
asfbr-2216	147	39	.	.	PUNCT
asfbr-2216	148	1	mori	mori	PROPN
asfbr-2216	148	2	et	et	PROPN
asfbr-2216	148	3	al	al	PROPN
asfbr-2216	148	4	.	.	PROPN
asfbr-2216	148	5	,	,	PUNCT
asfbr-2216	148	6	asian	asian	PROPN
asfbr-2216	148	7	finance	finance	PROPN
asfbr-2216	148	8	&	&	CCONJ
asfbr-2216	148	9	banking	banking	PROPN
asfbr-2216	148	10	review	review	NOUN
asfbr-2216	148	11	8(1	8(1	NOUN
asfbr-2216	148	12	)	)	PUNCT
asfbr-2216	148	13	(	(	PUNCT
asfbr-2216	148	14	2024	2024	NUM
asfbr-2216	148	15	)	)	PUNCT
asfbr-2216	148	16	,	,	PUNCT
asfbr-2216	148	17	1	1	NUM
asfbr-2216	148	18	-	-	SYM
asfbr-2216	148	19	12	12	NUM
asfbr-2216	148	20	5	5	NUM
asfbr-2216	148	21	table	table	NOUN
asfbr-2216	148	22	2	2	NUM
asfbr-2216	148	23	.	.	PUNCT
asfbr-2216	148	24	descriptive	descriptive	ADJ
asfbr-2216	148	25	statistics	statistic	NOUN
asfbr-2216	148	26	(	(	PUNCT
asfbr-2216	148	27	n=215,010	n=215,010	NOUN
asfbr-2216	148	28	)	)	PUNCT
asfbr-2216	148	29	variables	variable	VERB
asfbr-2216	148	30	frequency	frequency	NOUN
asfbr-2216	148	31	percentage	percentage	NOUN
asfbr-2216	148	32	variables	variable	NOUN
asfbr-2216	148	33	frequency	frequency	NOUN
asfbr-2216	148	34	percentage	percentage	NOUN
asfbr-2216	148	35	gender	gender	NOUN
asfbr-2216	148	36	occupation	occupation	NOUN
asfbr-2216	148	37	male	male	NOUN
asfbr-2216	148	38	128,725	128,725	NUM
asfbr-2216	148	39	59.9	59.9	NUM
asfbr-2216	149	1	yes	yes	INTJ
asfbr-2216	149	2	118,899	118,899	NUM
asfbr-2216	149	3	55.3	55.3	NUM
asfbr-2216	149	4	female	female	NOUN
asfbr-2216	149	5	86,285	86,285	NUM
asfbr-2216	149	6	40.1	40.1	NUM
asfbr-2216	149	7	no	no	DET
asfbr-2216	149	8	96,111	96,111	NUM
asfbr-2216	149	9	44.7	44.7	NUM
asfbr-2216	149	10	age	age	NOUN
asfbr-2216	149	11	literacy	literacy	NOUN
asfbr-2216	149	12	~29	~29	PUNCT
asfbr-2216	149	13	18,644	18,644	NUM
asfbr-2216	149	14	8.7	8.7	NUM
asfbr-2216	149	15	below	below	ADP
asfbr-2216	149	16	-1	-1	PUNCT
asfbr-2216	149	17	24,753	24,753	NUM
asfbr-2216	149	18	11.5	11.5	NUM
asfbr-2216	149	19	30~39	30~39	NUM
asfbr-2216	149	20	33,646	33,646	NUM
asfbr-2216	149	21	15.6	15.6	NUM
asfbr-2216	149	22	0	0	NUM
asfbr-2216	149	23	57,704	57,704	NUM
asfbr-2216	149	24	26.8	26.8	NUM
asfbr-2216	149	25	40~49	40~49	NUM
asfbr-2216	149	26	48,447	48,447	NUM
asfbr-2216	149	27	22.5	22.5	NUM
asfbr-2216	149	28	1－10	1－10	NUM
asfbr-2216	149	29	100,812	100,812	NUM
asfbr-2216	149	30	46.9	46.9	NUM
asfbr-2216	149	31	50	50	NUM
asfbr-2216	149	32	~59	~59	NOUN
asfbr-2216	149	33	52,982	52,982	NUM
asfbr-2216	149	34	24.6	24.6	NUM
asfbr-2216	149	35	11－20	11－20	NUM
asfbr-2216	149	36	31,741	31,741	NUM
asfbr-2216	149	37	14.8	14.8	NUM
asfbr-2216	149	38	60	60	NUM
asfbr-2216	149	39	~69	~69	NUM
asfbr-2216	149	40	41,835	41,835	NUM
asfbr-2216	149	41	19.5	19.5	NUM
asfbr-2216	149	42	70	70	NUM
asfbr-2216	149	43	~79	~79	ADP
asfbr-2216	149	44	17,698	17,698	NUM
asfbr-2216	149	45	8.2	8.2	NUM
asfbr-2216	149	46	80	80	NUM
asfbr-2216	149	47	and	and	CCONJ
asfbr-2216	149	48	above	above	ADP
asfbr-2216	149	49	1,758	1,758	NUM
asfbr-2216	149	50	0.8	0.8	NUM
asfbr-2216	149	51	financial	financial	ADJ
asfbr-2216	149	52	assets	asset	NOUN
asfbr-2216	149	53	(	(	PUNCT
asfbr-2216	149	54	million	million	NUM
asfbr-2216	149	55	yen	yen	NOUN
asfbr-2216	149	56	)	)	PUNCT
asfbr-2216	149	57	contacts	contact	NOUN
asfbr-2216	149	58	viewed	view	VERB
asfbr-2216	149	59	in	in	ADP
asfbr-2216	149	60	the	the	DET
asfbr-2216	149	61	past	past	ADJ
asfbr-2216	149	62	year	year	NOUN
asfbr-2216	149	63	~	~	PUNCT
asfbr-2216	149	64	300	300	NUM
asfbr-2216	149	65	56,193	56,193	NUM
asfbr-2216	149	66	26.1	26.1	NUM
asfbr-2216	149	67	staff	staff	NOUN
asfbr-2216	149	68	56,429	56,429	NUM
asfbr-2216	149	69	24.3	24.3	NUM
asfbr-2216	149	70	300~	300~	NUM
asfbr-2216	149	71	1,000	1,000	NUM
asfbr-2216	149	72	46,768	46,768	NUM
asfbr-2216	149	73	21.8	21.8	NUM
asfbr-2216	149	74	callcenter	callcenter	NOUN
asfbr-2216	149	75	3,566	3,566	NUM
asfbr-2216	149	76	1.5	1.5	NUM
asfbr-2216	149	77	1,000~	1,000~	PROPN
asfbr-2216	149	78	3,000	3,000	NUM
asfbr-2216	149	79	28,089	28,089	NUM
asfbr-2216	149	80	13.1	13.1	NUM
asfbr-2216	149	81	website	website	NOUN
asfbr-2216	149	82	30,474	30,474	NUM
asfbr-2216	149	83	13.1	13.1	NUM
asfbr-2216	149	84	3,000~	3,000~	NUM
asfbr-2216	149	85	5,000	5,000	NUM
asfbr-2216	149	86	9,403	9,403	NUM
asfbr-2216	149	87	4.4	4.4	NUM
asfbr-2216	149	88	events	event	NOUN
asfbr-2216	149	89	1,602	1,602	NUM
asfbr-2216	149	90	0.7	0.7	NUM
asfbr-2216	149	91	5,000~10,000	5,000~10,000	NUM
asfbr-2216	149	92	6,908	6,908	NUM
asfbr-2216	149	93	3.2	3.2	NUM
asfbr-2216	149	94	sns	sns	PROPN
asfbr-2216	149	95	2,536	2,536	NUM
asfbr-2216	149	96	1.1	1.1	NUM
asfbr-2216	149	97	10,000~50,000	10,000~50,000	NUM
asfbr-2216	149	98	2,810	2,810	NUM
asfbr-2216	149	99	1.3	1.3	NUM
asfbr-2216	149	100	pop	pop	NOUN
asfbr-2216	149	101	-	-	PUNCT
asfbr-2216	149	102	up	up	NOUN
asfbr-2216	149	103	10,936	10,936	NUM
asfbr-2216	149	104	4.7	4.7	NUM
asfbr-2216	149	105	50,000	50,000	NUM
asfbr-2216	149	106	and	and	CCONJ
asfbr-2216	149	107	above	above	ADP
asfbr-2216	149	108	792	792	NUM
asfbr-2216	149	109	0.4	0.4	NUM
asfbr-2216	149	110	trainads	trainad	NOUN
asfbr-2216	149	111	6,142	6,142	NUM
asfbr-2216	149	112	2.6	2.6	NUM
asfbr-2216	150	1	no	no	DET
asfbr-2216	150	2	answer	answer	NOUN
asfbr-2216	150	3	64,047	64,047	NUM
asfbr-2216	150	4	29.8	29.8	NUM
asfbr-2216	150	5	none	none	NOUN
asfbr-2216	150	6	121,004	121,004	NUM
asfbr-2216	150	7	52.0	52.0	NUM
asfbr-2216	150	8	the	the	DET
asfbr-2216	150	9	results	result	NOUN
asfbr-2216	150	10	for	for	ADP
asfbr-2216	150	11	the	the	DET
asfbr-2216	150	12	entire	entire	ADJ
asfbr-2216	150	13	sample	sample	NOUN
asfbr-2216	150	14	table	table	NOUN
asfbr-2216	150	15	3	3	NUM
asfbr-2216	150	16	presents	present	VERB
asfbr-2216	150	17	the	the	DET
asfbr-2216	150	18	probability	probability	NOUN
asfbr-2216	150	19	distribution	distribution	NOUN
asfbr-2216	150	20	of	of	ADP
asfbr-2216	150	21	customer	customer	NOUN
asfbr-2216	150	22	satisfaction	satisfaction	NOUN
asfbr-2216	150	23	with	with	ADP
asfbr-2216	150	24	regional	regional	ADJ
asfbr-2216	150	25	banks	bank	NOUN
asfbr-2216	150	26	in	in	ADP
asfbr-2216	150	27	2019	2019	NUM
asfbr-2216	150	28	and	and	CCONJ
asfbr-2216	150	29	2020	2020	NUM
asfbr-2216	150	30	.	.	PUNCT
asfbr-2216	151	1	consequently	consequently	ADV
asfbr-2216	151	2	,	,	PUNCT
asfbr-2216	151	3	the	the	DET
asfbr-2216	151	4	highest	high	ADJ
asfbr-2216	151	5	probability	probability	NOUN
asfbr-2216	151	6	of	of	ADP
asfbr-2216	151	7	customer	customer	NOUN
asfbr-2216	151	8	satisfaction	satisfaction	NOUN
asfbr-2216	151	9	in	in	ADP
asfbr-2216	151	10	2019	2019	NUM
asfbr-2216	151	11	(	(	PUNCT
asfbr-2216	151	12	2020	2020	NUM
asfbr-2216	151	13	)	)	PUNCT
asfbr-2216	151	14	was	be	AUX
asfbr-2216	151	15	0.504	0.504	NUM
asfbr-2216	151	16	(	(	PUNCT
asfbr-2216	151	17	0.496	0.496	NUM
asfbr-2216	151	18	)	)	PUNCT
asfbr-2216	151	19	for	for	ADP
asfbr-2216	151	20	the	the	DET
asfbr-2216	151	21	category	category	NOUN
asfbr-2216	151	22	"	"	PUNCT
asfbr-2216	151	23	neutral	neutral	ADJ
asfbr-2216	151	24	,	,	PUNCT
asfbr-2216	151	25	"	"	PUNCT
asfbr-2216	151	26	followed	follow	VERB
asfbr-2216	151	27	by	by	ADP
asfbr-2216	151	28	0.352	0.352	NUM
asfbr-2216	151	29	(	(	PUNCT
asfbr-2216	151	30	0.362	0.362	NUM
asfbr-2216	151	31	)	)	PUNCT
asfbr-2216	151	32	for	for	ADP
asfbr-2216	151	33	the	the	DET
asfbr-2216	151	34	category	category	NOUN
asfbr-2216	151	35	"	"	PUNCT
asfbr-2216	151	36	satisfied	satisfied	ADJ
asfbr-2216	151	37	.	.	PUNCT
asfbr-2216	151	38	"	"	PUNCT
asfbr-2216	152	1	the	the	DET
asfbr-2216	152	2	ranking	ranking	NOUN
asfbr-2216	152	3	was	be	AUX
asfbr-2216	152	4	identical	identical	ADJ
asfbr-2216	152	5	in	in	ADP
asfbr-2216	152	6	both	both	DET
asfbr-2216	152	7	years	year	NOUN
asfbr-2216	152	8	.	.	PUNCT
asfbr-2216	153	1	the	the	DET
asfbr-2216	153	2	proportion	proportion	NOUN
asfbr-2216	153	3	of	of	ADP
asfbr-2216	153	4	respondents	respondent	NOUN
asfbr-2216	153	5	who	who	PRON
asfbr-2216	153	6	rated	rate	VERB
asfbr-2216	153	7	their	their	PRON
asfbr-2216	153	8	satisfaction	satisfaction	NOUN
asfbr-2216	153	9	as	as	ADP
asfbr-2216	153	10	"	"	PUNCT
asfbr-2216	153	11	very	very	ADV
asfbr-2216	153	12	satisfied	satisfied	ADJ
asfbr-2216	153	13	,	,	PUNCT
asfbr-2216	153	14	"	"	PUNCT
asfbr-2216	153	15	"	"	PUNCT
asfbr-2216	153	16	dissatisfied	dissatisfied	ADJ
asfbr-2216	153	17	,	,	PUNCT
asfbr-2216	153	18	"	"	PUNCT
asfbr-2216	153	19	and	and	CCONJ
asfbr-2216	153	20	"	"	PUNCT
asfbr-2216	153	21	very	very	ADV
asfbr-2216	153	22	dissatisfied	dissatisfied	ADJ
asfbr-2216	153	23	"	"	PUNCT
asfbr-2216	153	24	was	be	AUX
asfbr-2216	153	25	0.078	0.078	NUM
asfbr-2216	153	26	(	(	PUNCT
asfbr-2216	153	27	0.079	0.079	NUM
asfbr-2216	153	28	)	)	PUNCT
asfbr-2216	153	29	,	,	PUNCT
asfbr-2216	153	30	0.048	0.048	NUM
asfbr-2216	153	31	(	(	PUNCT
asfbr-2216	153	32	0.045	0.045	NUM
asfbr-2216	153	33	)	)	PUNCT
asfbr-2216	153	34	,	,	PUNCT
asfbr-2216	153	35	and	and	CCONJ
asfbr-2216	153	36	0.018	0.018	NUM
asfbr-2216	153	37	(	(	PUNCT
asfbr-2216	153	38	0.017	0.017	NUM
asfbr-2216	153	39	)	)	PUNCT
asfbr-2216	153	40	,	,	PUNCT
asfbr-2216	153	41	respectively	respectively	ADV
asfbr-2216	153	42	,	,	PUNCT
asfbr-2216	153	43	in	in	ADP
asfbr-2216	153	44	2019	2019	NUM
asfbr-2216	153	45	(	(	PUNCT
asfbr-2216	153	46	2020	2020	NUM
asfbr-2216	153	47	)	)	PUNCT
asfbr-2216	153	48	.	.	PUNCT
asfbr-2216	154	1	these	these	DET
asfbr-2216	154	2	values	value	NOUN
asfbr-2216	154	3	were	be	AUX
asfbr-2216	154	4	all	all	ADV
asfbr-2216	154	5	shallow	shallow	ADJ
asfbr-2216	154	6	and	and	CCONJ
asfbr-2216	154	7	exhibited	exhibit	VERB
asfbr-2216	154	8	minimal	minimal	ADJ
asfbr-2216	154	9	variation	variation	NOUN
asfbr-2216	154	10	between	between	ADP
asfbr-2216	154	11	the	the	DET
asfbr-2216	154	12	two	two	NUM
asfbr-2216	154	13	years	year	NOUN
asfbr-2216	154	14	.	.	PUNCT
asfbr-2216	155	1	the	the	DET
asfbr-2216	155	2	total	total	ADJ
asfbr-2216	155	3	probability	probability	NOUN
asfbr-2216	155	4	of	of	ADP
asfbr-2216	155	5	customer	customer	NOUN
asfbr-2216	155	6	satisfaction	satisfaction	NOUN
asfbr-2216	155	7	(	(	PUNCT
asfbr-2216	155	8	highly	highly	ADV
asfbr-2216	155	9	satisfied	satisfied	ADJ
asfbr-2216	155	10	and	and	CCONJ
asfbr-2216	155	11	satisfied	satisfied	ADJ
asfbr-2216	155	12	)	)	PUNCT
asfbr-2216	155	13	was	be	AUX
asfbr-2216	155	14	0.430	0.430	NUM
asfbr-2216	155	15	(	(	PUNCT
asfbr-2216	155	16	0.441	0.441	NUM
asfbr-2216	155	17	)	)	PUNCT
asfbr-2216	155	18	in	in	ADP
asfbr-2216	155	19	2019	2019	NUM
asfbr-2216	155	20	(	(	PUNCT
asfbr-2216	155	21	2020	2020	NUM
asfbr-2216	155	22	)	)	PUNCT
asfbr-2216	155	23	,	,	PUNCT
asfbr-2216	155	24	while	while	SCONJ
asfbr-2216	155	25	the	the	DET
asfbr-2216	155	26	total	total	ADJ
asfbr-2216	155	27	likelihood	likelihood	NOUN
asfbr-2216	155	28	of	of	ADP
asfbr-2216	155	29	dissatisfaction	dissatisfaction	NOUN
asfbr-2216	155	30	(	(	PUNCT
asfbr-2216	155	31	highly	highly	ADV
asfbr-2216	155	32	unsatisfied	unsatisfied	ADJ
asfbr-2216	155	33	and	and	CCONJ
asfbr-2216	155	34	unsatisfied	unsatisfied	ADJ
asfbr-2216	155	35	)	)	PUNCT
asfbr-2216	155	36	was	be	AUX
asfbr-2216	155	37	0.066	0.066	NUM
asfbr-2216	155	38	(	(	PUNCT
asfbr-2216	155	39	0.062	0.062	NUM
asfbr-2216	155	40	)	)	PUNCT
asfbr-2216	155	41	in	in	ADP
asfbr-2216	155	42	both	both	DET
asfbr-2216	155	43	years	year	NOUN
asfbr-2216	155	44	.	.	PUNCT
asfbr-2216	156	1	satisfaction	satisfaction	NOUN
asfbr-2216	156	2	was	be	AUX
asfbr-2216	156	3	significantly	significantly	ADV
asfbr-2216	156	4	higher	high	ADJ
asfbr-2216	156	5	than	than	ADP
asfbr-2216	156	6	dissatisfaction	dissatisfaction	NOUN
asfbr-2216	156	7	.	.	PUNCT
asfbr-2216	157	1	nevertheless	nevertheless	ADV
asfbr-2216	157	2	,	,	PUNCT
asfbr-2216	157	3	given	give	VERB
asfbr-2216	157	4	that	that	SCONJ
asfbr-2216	157	5	the	the	DET
asfbr-2216	157	6	total	total	ADJ
asfbr-2216	157	7	satisfaction	satisfaction	NOUN
asfbr-2216	157	8	probability	probability	NOUN
asfbr-2216	157	9	is	be	AUX
asfbr-2216	157	10	below	below	ADP
asfbr-2216	157	11	neutral	neutral	ADJ
asfbr-2216	157	12	,	,	PUNCT
asfbr-2216	157	13	regional	regional	ADJ
asfbr-2216	157	14	banks	bank	NOUN
asfbr-2216	157	15	should	should	AUX
asfbr-2216	157	16	analyze	analyze	VERB
asfbr-2216	157	17	the	the	DET
asfbr-2216	157	18	reasons	reason	NOUN
asfbr-2216	157	19	behind	behind	ADP
asfbr-2216	157	20	the	the	DET
asfbr-2216	157	21	high	high	ADJ
asfbr-2216	157	22	number	number	NOUN
asfbr-2216	157	23	of	of	ADP
asfbr-2216	157	24	customers	customer	NOUN
asfbr-2216	157	25	who	who	PRON
asfbr-2216	157	26	responded	respond	VERB
asfbr-2216	157	27	neutrally	neutrally	ADV
asfbr-2216	157	28	.	.	PUNCT
asfbr-2216	158	1	this	this	DET
asfbr-2216	158	2	analysis	analysis	NOUN
asfbr-2216	158	3	should	should	AUX
asfbr-2216	158	4	inform	inform	VERB
asfbr-2216	158	5	the	the	DET
asfbr-2216	158	6	development	development	NOUN
asfbr-2216	158	7	of	of	ADP
asfbr-2216	158	8	marketing	marketing	NOUN
asfbr-2216	158	9	and	and	CCONJ
asfbr-2216	158	10	management	management	NOUN
asfbr-2216	158	11	strategies	strategy	NOUN
asfbr-2216	158	12	designed	design	VERB
asfbr-2216	158	13	to	to	PART
asfbr-2216	158	14	increase	increase	VERB
asfbr-2216	158	15	the	the	DET
asfbr-2216	158	16	satisfaction	satisfaction	NOUN
asfbr-2216	158	17	of	of	ADP
asfbr-2216	158	18	these	these	DET
asfbr-2216	158	19	customers	customer	NOUN
asfbr-2216	158	20	.	.	PUNCT
asfbr-2216	159	1	table	table	NOUN
asfbr-2216	159	2	3	3	NUM
asfbr-2216	159	3	.	.	NOUN
asfbr-2216	159	4	probability	probability	NOUN
asfbr-2216	159	5	distribution	distribution	NOUN
asfbr-2216	159	6	of	of	ADP
asfbr-2216	159	7	the	the	DET
asfbr-2216	159	8	level	level	NOUN
asfbr-2216	159	9	of	of	ADP
asfbr-2216	159	10	satisfaction	satisfaction	NOUN
asfbr-2216	159	11	2019	2019	NUM
asfbr-2216	159	12	2020	2020	NUM
asfbr-2216	159	13	2019	2019	NUM
asfbr-2216	159	14	&	&	CCONJ
asfbr-2216	159	15	2020	2020	NUM
asfbr-2216	159	16	category	category	NOUN
asfbr-2216	159	17	/	/	SYM
asfbr-2216	159	18	particulars	particular	VERB
asfbr-2216	159	19	observations	observation	NOUN
asfbr-2216	159	20	probability	probability	NOUN
asfbr-2216	159	21	observations	observation	NOUN
asfbr-2216	159	22	probability	probability	NOUN
asfbr-2216	159	23	observations	observation	NOUN
asfbr-2216	159	24	probability	probability	NOUN
asfbr-2216	159	25	p(y=1	p(y=1	NOUN
asfbr-2216	159	26	)	)	PUNCT
asfbr-2216	159	27	highly	highly	ADV
asfbr-2216	159	28	dissatisfied	dissatisfied	ADJ
asfbr-2216	159	29	1,983	1,983	NUM
asfbr-2216	159	30	0.018	0.018	NUM
asfbr-2216	159	31	1,807	1,807	NUM
asfbr-2216	159	32	0.017	0.017	NUM
asfbr-2216	159	33	3,790	3,790	NUM
asfbr-2216	159	34	0.018	0.018	NUM
asfbr-2216	159	35	p(y=2	p(y=2	PROPN
asfbr-2216	159	36	)	)	PUNCT
asfbr-2216	159	37	dissatisfied	dissatisfy	VERB
asfbr-2216	159	38	5,268	5,268	NUM
asfbr-2216	159	39	0.048	0.048	NUM
asfbr-2216	159	40	4,805	4,805	NUM
asfbr-2216	159	41	0.045	0.045	NUM
asfbr-2216	159	42	10,073	10,073	NUM
asfbr-2216	159	43	0.047	0.047	NUM
asfbr-2216	159	44	p(y=3	p(y=3	NOUN
asfbr-2216	159	45	)	)	PUNCT
asfbr-2216	159	46	neutral	neutral	ADJ
asfbr-2216	159	47	54,849	54,849	NUM
asfbr-2216	159	48	0.504	0.504	NUM
asfbr-2216	159	49	52,655	52,655	NUM
asfbr-2216	159	50	0.496	0.496	NUM
asfbr-2216	159	51	107,504	107,504	NUM
asfbr-2216	159	52	0.500	0.500	NUM
asfbr-2216	159	53	p(y=4	p(y=4	NOUN
asfbr-2216	159	54	)	)	PUNCT
asfbr-2216	159	55	satisfied	satisfy	VERB
asfbr-2216	159	56	38,313	38,313	NUM
asfbr-2216	159	57	0.352	0.352	NUM
asfbr-2216	159	58	38,436	38,436	NUM
asfbr-2216	159	59	0.362	0.362	NUM
asfbr-2216	159	60	76,749	76,749	NUM
asfbr-2216	159	61	0.357	0.357	NUM
asfbr-2216	159	62	p(y=5	p(y=5	NOUN
asfbr-2216	159	63	)	)	PUNCT
asfbr-2216	159	64	highly	highly	ADV
asfbr-2216	159	65	satisfied	satisfied	ADJ
asfbr-2216	159	66	8,496	8,496	NUM
asfbr-2216	159	67	0.078	0.078	NUM
asfbr-2216	159	68	8,398	8,398	NUM
asfbr-2216	159	69	0.079	0.079	NUM
asfbr-2216	159	70	16,894	16,894	NUM
asfbr-2216	159	71	0.079	0.079	NUM
asfbr-2216	159	72	total	total	NOUN
asfbr-2216	159	73	108,909	108,909	NUM
asfbr-2216	159	74	1	1	NUM
asfbr-2216	159	75	106,101	106,101	NUM
asfbr-2216	159	76	1	1	NUM
asfbr-2216	159	77	215,010	215,010	NUM
asfbr-2216	159	78	1	1	NUM
asfbr-2216	159	79	logistic	logistic	ADJ
asfbr-2216	159	80	regression	regression	NOUN
asfbr-2216	159	81	results	result	NOUN
asfbr-2216	159	82	:	:	PUNCT
asfbr-2216	159	83	analysis	analysis	NOUN
asfbr-2216	159	84	for	for	ADP
asfbr-2216	159	85	all	all	DET
asfbr-2216	159	86	services	service	NOUN
asfbr-2216	159	87	table	table	NOUN
asfbr-2216	159	88	4	4	NUM
asfbr-2216	159	89	presents	present	VERB
asfbr-2216	159	90	the	the	DET
asfbr-2216	159	91	estimated	estimate	VERB
asfbr-2216	159	92	fy	fy	PROPN
asfbr-2216	159	93	2019	2019	NUM
asfbr-2216	159	94	and	and	CCONJ
asfbr-2216	159	95	fy	fy	PROPN
asfbr-2216	159	96	2020	2020	NUM
asfbr-2216	159	97	results	result	NOUN
asfbr-2216	159	98	,	,	PUNCT
asfbr-2216	159	99	respectively	respectively	ADV
asfbr-2216	159	100	.	.	PUNCT
asfbr-2216	160	1	the	the	DET
asfbr-2216	160	2	results	result	NOUN
asfbr-2216	160	3	of	of	ADP
asfbr-2216	160	4	these	these	DET
asfbr-2216	160	5	estimates	estimate	NOUN
asfbr-2216	160	6	confirm	confirm	VERB
asfbr-2216	160	7	that	that	SCONJ
asfbr-2216	160	8	the	the	DET
asfbr-2216	160	9	statistically	statistically	ADV
asfbr-2216	160	10	significant	significant	ADJ
asfbr-2216	160	11	values	value	NOUN
asfbr-2216	160	12	in	in	ADP
asfbr-2216	160	13	both	both	CCONJ
asfbr-2216	160	14	the	the	DET
asfbr-2216	160	15	2019	2019	NUM
asfbr-2216	160	16	and	and	CCONJ
asfbr-2216	160	17	2020	2020	NUM
asfbr-2216	160	18	estimates	estimate	NOUN
asfbr-2216	160	19	were	be	AUX
asfbr-2216	160	20	the	the	DET
asfbr-2216	160	21	specific	specific	ADJ
asfbr-2216	160	22	variables	variable	NOUN
asfbr-2216	160	23	required	require	VERB
asfbr-2216	160	24	to	to	PART
asfbr-2216	160	25	increase	increase	VERB
asfbr-2216	160	26	customer	customer	NOUN
asfbr-2216	160	27	satisfaction	satisfaction	NOUN
asfbr-2216	160	28	.	.	PUNCT
asfbr-2216	161	1	total	total	ADJ
asfbr-2216	161	2	financial	financial	ADJ
asfbr-2216	161	3	assets	asset	NOUN
asfbr-2216	161	4	(	(	PUNCT
asfbr-2216	161	5	assets	asset	NOUN
asfbr-2216	161	6	)	)	PUNCT
asfbr-2216	161	7	are	be	AUX
asfbr-2216	161	8	negatively	negatively	ADV
asfbr-2216	161	9	correlated	correlate	VERB
asfbr-2216	161	10	with	with	ADP
asfbr-2216	161	11	customer	customer	NOUN
asfbr-2216	161	12	financial	financial	ADJ
asfbr-2216	161	13	literacy	literacy	NOUN
asfbr-2216	161	14	score	score	NOUN
asfbr-2216	161	15	(	(	PUNCT
asfbr-2216	161	16	literacy	literacy	NOUN
asfbr-2216	161	17	)	)	PUNCT
asfbr-2216	161	18	and	and	CCONJ
asfbr-2216	161	19	positively	positively	ADV
asfbr-2216	161	20	correlated	correlate	VERB
asfbr-2216	161	21	with	with	ADP
asfbr-2216	161	22	customer	customer	NOUN
asfbr-2216	161	23	satisfaction	satisfaction	NOUN
asfbr-2216	161	24	with	with	ADP
asfbr-2216	161	25	regional	regional	ADJ
asfbr-2216	161	26	banks	bank	NOUN
asfbr-2216	161	27	.	.	PUNCT
asfbr-2216	162	1	these	these	DET
asfbr-2216	162	2	findings	finding	NOUN
asfbr-2216	162	3	support	support	NOUN
asfbr-2216	162	4	hypothesis	hypothesis	NOUN
asfbr-2216	162	5	1	1	NUM
asfbr-2216	162	6	.	.	PUNCT
asfbr-2216	163	1	next	next	ADV
asfbr-2216	163	2	,	,	PUNCT
asfbr-2216	163	3	the	the	DET
asfbr-2216	163	4	explanatory	explanatory	ADJ
asfbr-2216	163	5	variables	variable	NOUN
asfbr-2216	163	6	indicating	indicate	VERB
asfbr-2216	163	7	competition	competition	NOUN
asfbr-2216	163	8	between	between	ADP
asfbr-2216	163	9	banks	bank	NOUN
asfbr-2216	163	10	demonstrate	demonstrate	VERB
asfbr-2216	163	11	a	a	DET
asfbr-2216	163	12	positive	positive	ADJ
asfbr-2216	163	13	and	and	CCONJ
asfbr-2216	163	14	significant	significant	ADJ
asfbr-2216	163	15	impact	impact	NOUN
asfbr-2216	163	16	(	(	PUNCT
asfbr-2216	163	17	p	p	X
asfbr-2216	163	18	<	<	X
asfbr-2216	163	19	0.05	0.05	NUM
asfbr-2216	163	20	)	)	PUNCT
asfbr-2216	163	21	on	on	ADP
asfbr-2216	163	22	customer	customer	NOUN
asfbr-2216	163	23	satisfaction	satisfaction	NOUN
asfbr-2216	163	24	.	.	PUNCT
asfbr-2216	164	1	this	this	DET
asfbr-2216	164	2	impact	impact	NOUN
asfbr-2216	164	3	is	be	AUX
asfbr-2216	164	4	evidenced	evidence	VERB
asfbr-2216	164	5	by	by	ADP
asfbr-2216	164	6	the	the	DET
asfbr-2216	164	7	degree	degree	NOUN
asfbr-2216	164	8	of	of	ADP
asfbr-2216	164	9	oligopoly	oligopoly	ADJ
asfbr-2216	164	10	(	(	PUNCT
asfbr-2216	164	11	hhi	hhi	NOUN
asfbr-2216	164	12	)	)	PUNCT
asfbr-2216	164	13	.	.	PUNCT
asfbr-2216	165	1	in	in	ADP
asfbr-2216	165	2	other	other	ADJ
asfbr-2216	165	3	words	word	NOUN
asfbr-2216	165	4	,	,	PUNCT
asfbr-2216	165	5	as	as	ADP
asfbr-2216	165	6	competition	competition	NOUN
asfbr-2216	165	7	among	among	ADP
asfbr-2216	165	8	regional	regional	ADJ
asfbr-2216	165	9	banks	bank	NOUN
asfbr-2216	165	10	intensifies	intensifie	NOUN
asfbr-2216	165	11	,	,	PUNCT
asfbr-2216	165	12	they	they	PRON
asfbr-2216	165	13	can	can	AUX
asfbr-2216	165	14	conduct	conduct	VERB
asfbr-2216	165	15	more	more	ADV
asfbr-2216	165	16	sophisticated	sophisticated	ADJ
asfbr-2216	165	17	financial	financial	ADJ
asfbr-2216	165	18	marketing	marketing	NOUN
asfbr-2216	165	19	analysis	analysis	NOUN
asfbr-2216	165	20	and	and	CCONJ
asfbr-2216	165	21	offer	offer	VERB
asfbr-2216	165	22	more	more	ADJ
asfbr-2216	165	23	complex	complex	ADJ
asfbr-2216	165	24	services	service	NOUN
asfbr-2216	165	25	to	to	PART
asfbr-2216	165	26	attract	attract	VERB
asfbr-2216	165	27	and	and	CCONJ
asfbr-2216	165	28	retain	retain	VERB
asfbr-2216	165	29	existing	exist	VERB
asfbr-2216	165	30	customers	customer	NOUN
asfbr-2216	165	31	.	.	PUNCT
asfbr-2216	166	1	these	these	DET
asfbr-2216	166	2	results	result	NOUN
asfbr-2216	166	3	are	be	AUX
asfbr-2216	166	4	interpreted	interpret	VERB
asfbr-2216	166	5	as	as	ADP
asfbr-2216	166	6	improved	improve	VERB
asfbr-2216	166	7	product	product	NOUN
asfbr-2216	166	8	suitability	suitability	NOUN
asfbr-2216	166	9	for	for	ADP
asfbr-2216	166	10	customers	customer	NOUN
asfbr-2216	166	11	and	and	CCONJ
asfbr-2216	166	12	higher	high	ADJ
asfbr-2216	166	13	levels	level	NOUN
asfbr-2216	166	14	of	of	ADP
asfbr-2216	166	15	customer	customer	NOUN
asfbr-2216	166	16	satisfaction	satisfaction	NOUN
asfbr-2216	166	17	.	.	PUNCT
asfbr-2216	167	1	conversely	conversely	ADV
asfbr-2216	167	2	,	,	PUNCT
asfbr-2216	167	3	the	the	DET
asfbr-2216	167	4	deposit	deposit	NOUN
asfbr-2216	167	5	share	share	NOUN
asfbr-2216	167	6	(	(	PUNCT
asfbr-2216	167	7	shr	shr	PROPN
asfbr-2216	167	8	)	)	PUNCT
asfbr-2216	167	9	was	be	AUX
asfbr-2216	167	10	not	not	PART
asfbr-2216	167	11	significant	significant	ADJ
asfbr-2216	167	12	.	.	PUNCT
asfbr-2216	168	1	in	in	ADP
asfbr-2216	168	2	terms	term	NOUN
asfbr-2216	168	3	of	of	ADP
asfbr-2216	168	4	demographic	demographic	ADJ
asfbr-2216	168	5	variables	variable	NOUN
asfbr-2216	168	6	,	,	PUNCT
asfbr-2216	168	7	gender	gender	NOUN
asfbr-2216	168	8	(	(	PUNCT
asfbr-2216	168	9	gender	gender	NOUN
asfbr-2216	168	10	)	)	PUNCT
asfbr-2216	168	11	,	,	PUNCT
asfbr-2216	168	12	age	age	NOUN
asfbr-2216	168	13	(	(	PUNCT
asfbr-2216	168	14	age	age	NOUN
asfbr-2216	168	15	)	)	PUNCT
asfbr-2216	168	16	,	,	PUNCT
asfbr-2216	168	17	and	and	CCONJ
asfbr-2216	168	18	occupational	occupational	ADJ
asfbr-2216	168	19	status	status	NOUN
asfbr-2216	168	20	(	(	PUNCT
asfbr-2216	168	21	occupation	occupation	NOUN
asfbr-2216	168	22	)	)	PUNCT
asfbr-2216	168	23	were	be	AUX
asfbr-2216	168	24	found	find	VERB
asfbr-2216	168	25	to	to	PART
asfbr-2216	168	26	have	have	VERB
asfbr-2216	168	27	a	a	DET
asfbr-2216	168	28	significant	significant	ADJ
asfbr-2216	168	29	(	(	PUNCT
asfbr-2216	168	30	p	p	X
asfbr-2216	168	31	<	<	X
asfbr-2216	168	32	0.05	0.05	NUM
asfbr-2216	168	33	)	)	PUNCT
asfbr-2216	168	34	impact	impact	NOUN
asfbr-2216	168	35	on	on	ADP
asfbr-2216	168	36	customer	customer	NOUN
asfbr-2216	168	37	satisfaction	satisfaction	NOUN
asfbr-2216	168	38	in	in	ADP
asfbr-2216	168	39	both	both	CCONJ
asfbr-2216	168	40	the	the	DET
asfbr-2216	168	41	2019	2019	NUM
asfbr-2216	168	42	and	and	CCONJ
asfbr-2216	168	43	2020	2020	NUM
asfbr-2216	168	44	estimates	estimate	NOUN
asfbr-2216	168	45	.	.	PUNCT
asfbr-2216	169	1	this	this	DET
asfbr-2216	169	2	impact	impact	NOUN
asfbr-2216	169	3	indicates	indicate	VERB
asfbr-2216	169	4	that	that	SCONJ
asfbr-2216	169	5	customer	customer	NOUN
asfbr-2216	169	6	satisfaction	satisfaction	NOUN
asfbr-2216	169	7	is	be	AUX
asfbr-2216	169	8	typically	typically	ADV
asfbr-2216	169	9	higher	high	ADJ
asfbr-2216	169	10	among	among	ADP
asfbr-2216	169	11	females	female	NOUN
asfbr-2216	169	12	than	than	ADP
asfbr-2216	169	13	males	male	NOUN
asfbr-2216	169	14	,	,	PUNCT
asfbr-2216	169	15	younger	young	ADJ
asfbr-2216	169	16	individuals	individual	NOUN
asfbr-2216	169	17	than	than	ADP
asfbr-2216	169	18	older	old	ADJ
asfbr-2216	169	19	ones	one	NOUN
asfbr-2216	169	20	,	,	PUNCT
asfbr-2216	169	21	and	and	CCONJ
asfbr-2216	169	22	those	those	PRON
asfbr-2216	169	23	with	with	ADP
asfbr-2216	169	24	employment	employment	NOUN
asfbr-2216	169	25	than	than	ADP
asfbr-2216	169	26	those	those	PRON
asfbr-2216	169	27	without	without	ADP
asfbr-2216	169	28	.	.	PUNCT
asfbr-2216	170	1	table	table	NOUN
asfbr-2216	170	2	4	4	NUM
asfbr-2216	170	3	.	.	PUNCT
asfbr-2216	170	4	ordered	order	VERB
asfbr-2216	170	5	logistic	logistic	ADJ
asfbr-2216	170	6	regression	regression	NOUN
asfbr-2216	170	7	results	result	NOUN
asfbr-2216	170	8	of	of	ADP
asfbr-2216	170	9	customer	customer	NOUN
asfbr-2216	170	10	satisfaction	satisfaction	NOUN
asfbr-2216	170	11	2019	2019	NUM
asfbr-2216	170	12	2020	2020	NUM
asfbr-2216	170	13	coef	coef	PROPN
asfbr-2216	170	14	.	.	PUNCT
asfbr-2216	171	1	z	z	NOUN
asfbr-2216	171	2	stats	stat	NOUN
asfbr-2216	171	3	.	.	PUNCT
asfbr-2216	172	1	coef	coef	PROPN
asfbr-2216	172	2	.	.	PUNCT
asfbr-2216	173	1	z	z	NOUN
asfbr-2216	173	2	stats	stat	NOUN
asfbr-2216	173	3	.	.	PUNCT
asfbr-2216	174	1	gender	gender	NOUN
asfbr-2216	174	2	-0.085	-0.085	NUM
asfbr-2216	174	3	-8.680	-8.680	VERB
asfbr-2216	174	4	*	*	PUNCT
asfbr-2216	174	5	*	*	PUNCT
asfbr-2216	174	6	*	*	PUNCT
asfbr-2216	175	1	-0.075	-0.075	ADJ
asfbr-2216	175	2	-7.170	-7.170	PUNCT
asfbr-2216	176	1	*	*	PUNCT
asfbr-2216	176	2	*	*	PUNCT
asfbr-2216	176	3	*	*	VERB
asfbr-2216	176	4	age	age	NOUN
asfbr-2216	176	5	-0.008	-0.008	INTJ
asfbr-2216	176	6	-22.260	-22.260	PUNCT
asfbr-2216	177	1	*	*	PUNCT
asfbr-2216	177	2	*	*	PUNCT
asfbr-2216	177	3	*	*	PUNCT
asfbr-2216	177	4	-0.009	-0.009	PUNCT
asfbr-2216	177	5	-23.880	-23.880	PUNCT
asfbr-2216	178	1	*	*	PUNCT
asfbr-2216	178	2	*	*	PUNCT
asfbr-2216	178	3	*	*	PUNCT
asfbr-2216	178	4	occupation	occupation	NOUN
asfbr-2216	178	5	-0.064	-0.064	NOUN
asfbr-2216	178	6	-7.060	-7.060	NOUN
asfbr-2216	178	7	*	*	PUNCT
asfbr-2216	179	1	*	*	PUNCT
asfbr-2216	179	2	*	*	PUNCT
asfbr-2216	179	3	-0.089	-0.089	INTJ
asfbr-2216	179	4	-9.370	-9.370	X
asfbr-2216	179	5	assets	asset	NOUN
asfbr-2216	179	6	-0.018	-0.018	PUNCT
asfbr-2216	179	7	-6.610	-6.610	PUNCT
asfbr-2216	179	8	*	*	PUNCT
asfbr-2216	179	9	*	*	PUNCT
asfbr-2216	179	10	*	*	PUNCT
asfbr-2216	179	11	-0.019	-0.019	PUNCT
asfbr-2216	179	12	-6.510	-6.510	ADJ
asfbr-2216	179	13	*	*	PUNCT
asfbr-2216	179	14	*	*	PUNCT
asfbr-2216	179	15	*	*	PUNCT
asfbr-2216	179	16	mori	mori	PROPN
asfbr-2216	179	17	et	et	PROPN
asfbr-2216	179	18	al	al	PROPN
asfbr-2216	179	19	.	.	PROPN
asfbr-2216	179	20	,	,	PUNCT
asfbr-2216	179	21	asian	asian	PROPN
asfbr-2216	179	22	finance	finance	PROPN
asfbr-2216	179	23	&	&	CCONJ
asfbr-2216	179	24	banking	banking	PROPN
asfbr-2216	179	25	review	review	NOUN
asfbr-2216	179	26	8(1	8(1	NOUN
asfbr-2216	179	27	)	)	PUNCT
asfbr-2216	179	28	(	(	PUNCT
asfbr-2216	179	29	2024	2024	NUM
asfbr-2216	179	30	)	)	PUNCT
asfbr-2216	179	31	,	,	PUNCT
asfbr-2216	179	32	1	1	NUM
asfbr-2216	179	33	-	-	SYM
asfbr-2216	179	34	12	12	NUM
asfbr-2216	179	35	6	6	NUM
asfbr-2216	179	36	literacy	literacy	NOUN
asfbr-2216	179	37	-0.007	-0.007	NOUN
asfbr-2216	179	38	-9.310	-9.310	X
asfbr-2216	179	39	*	*	PUNCT
asfbr-2216	179	40	*	*	PUNCT
asfbr-2216	179	41	*	*	PUNCT
asfbr-2216	179	42	-0.006	-0.006	PROPN
asfbr-2216	179	43	-7.560	-7.560	PUNCT
asfbr-2216	179	44	*	*	PUNCT
asfbr-2216	179	45	*	*	PUNCT
asfbr-2216	179	46	*	*	PUNCT
asfbr-2216	179	47	hhi	hhi	NOUN
asfbr-2216	179	48	0.000	0.000	NUM
asfbr-2216	180	1	-2.210	-2.210	NOUN
asfbr-2216	181	1	*	*	PUNCT
asfbr-2216	181	2	*	*	PUNCT
asfbr-2216	181	3	0.000	0.000	NUM
asfbr-2216	181	4	-3.600	-3.600	PUNCT
asfbr-2216	181	5	*	*	PUNCT
asfbr-2216	181	6	*	*	PUNCT
asfbr-2216	181	7	*	*	PUNCT
asfbr-2216	181	8	shr	shr	PROPN
asfbr-2216	181	9	0.000	0.000	NUM
asfbr-2216	181	10	-0.110	-0.110	NOUN
asfbr-2216	181	11	-0.001	-0.001	PUNCT
asfbr-2216	182	1	-2.230	-2.230	PUNCT
asfbr-2216	182	2	*	*	PUNCT
asfbr-2216	182	3	*	*	PUNCT
asfbr-2216	182	4	staff	staff	NOUN
asfbr-2216	182	5	0.290	0.290	NUM
asfbr-2216	182	6	18.750	18.750	NUM
asfbr-2216	182	7	*	*	PUNCT
asfbr-2216	182	8	*	*	PUNCT
asfbr-2216	182	9	*	*	PUNCT
asfbr-2216	182	10	0.303	0.303	NUM
asfbr-2216	182	11	17.250	17.250	NUM
asfbr-2216	182	12	*	*	PUNCT
asfbr-2216	182	13	*	*	PUNCT
asfbr-2216	182	14	*	*	PUNCT
asfbr-2216	182	15	callcenter	callcenter	NOUN
asfbr-2216	182	16	0.235	0.235	NUM
asfbr-2216	182	17	7.950	7.950	NUM
asfbr-2216	182	18	*	*	PUNCT
asfbr-2216	182	19	*	*	PUNCT
asfbr-2216	182	20	*	*	PUNCT
asfbr-2216	182	21	0.205	0.205	NUM
asfbr-2216	182	22	5.800	5.800	NUM
asfbr-2216	182	23	*	*	PUNCT
asfbr-2216	182	24	*	*	PUNCT
asfbr-2216	182	25	*	*	PROPN
asfbr-2216	182	26	website	website	NOUN
asfbr-2216	182	27	0.169	0.169	NUM
asfbr-2216	182	28	11.090	11.090	NUM
asfbr-2216	182	29	*	*	PUNCT
asfbr-2216	182	30	*	*	PUNCT
asfbr-2216	182	31	*	*	PUNCT
asfbr-2216	182	32	0.158	0.158	NUM
asfbr-2216	182	33	9.150	9.150	NUM
asfbr-2216	182	34	*	*	PUNCT
asfbr-2216	182	35	*	*	PUNCT
asfbr-2216	183	1	*	*	VERB
asfbr-2216	183	2	events	event	NOUN
asfbr-2216	183	3	0.102	0.102	NUM
asfbr-2216	183	4	2.460	2.460	NUM
asfbr-2216	183	5	*	*	PUNCT
asfbr-2216	183	6	*	*	PUNCT
asfbr-2216	183	7	0.079	0.079	NUM
asfbr-2216	183	8	1.480	1.480	NUM
asfbr-2216	183	9	sns	sns	PROPN
asfbr-2216	183	10	0.020	0.020	NUM
asfbr-2216	183	11	0.570	0.570	NUM
asfbr-2216	183	12	0.051	0.051	NUM
asfbr-2216	183	13	1.140	1.140	NUM
asfbr-2216	183	14	pop	pop	NOUN
asfbr-2216	183	15	-	-	PUNCT
asfbr-2216	183	16	up	up	NOUN
asfbr-2216	183	17	0.043	0.043	NUM
asfbr-2216	183	18	2.280	2.280	NUM
asfbr-2216	183	19	*	*	PUNCT
asfbr-2216	183	20	*	*	PUNCT
asfbr-2216	183	21	0.015	0.015	NUM
asfbr-2216	183	22	0.690	0.690	NUM
asfbr-2216	183	23	trainads	trainad	NOUN
asfbr-2216	183	24	0.056	0.056	NUM
asfbr-2216	183	25	2.410	2.410	NUM
asfbr-2216	183	26	*	*	PUNCT
asfbr-2216	183	27	*	*	PUNCT
asfbr-2216	183	28	0.056	0.056	NUM
asfbr-2216	183	29	2.100	2.100	NUM
asfbr-2216	183	30	*	*	PUNCT
asfbr-2216	183	31	*	*	PUNCT
asfbr-2216	183	32	none	none	NOUN
asfbr-2216	183	33	-0.128	-0.128	PUNCT
asfbr-2216	183	34	-7.780	-7.780	X
asfbr-2216	183	35	*	*	PUNCT
asfbr-2216	183	36	*	*	PUNCT
asfbr-2216	183	37	*	*	PUNCT
asfbr-2216	183	38	-0.114	-0.114	NOUN
asfbr-2216	183	39	-6.170	-6.170	PUNCT
asfbr-2216	183	40	*	*	PUNCT
asfbr-2216	183	41	*	*	PUNCT
asfbr-2216	183	42	*	*	PUNCT
asfbr-2216	183	43	deposits	deposit	VERB
asfbr-2216	183	44	0.494	0.494	NUM
asfbr-2216	183	45	24.190	24.190	NUM
asfbr-2216	183	46	*	*	PUNCT
asfbr-2216	183	47	*	*	PUNCT
asfbr-2216	183	48	*	*	PUNCT
asfbr-2216	183	49	0.493	0.493	NUM
asfbr-2216	183	50	21.240	21.240	NUM
asfbr-2216	183	51	*	*	PUNCT
asfbr-2216	183	52	*	*	PUNCT
asfbr-2216	183	53	*	*	PUNCT
asfbr-2216	183	54	hloan	hloan	VERB
asfbr-2216	183	55	0.207	0.207	NUM
asfbr-2216	183	56	11.580	11.580	NUM
asfbr-2216	183	57	*	*	PUNCT
asfbr-2216	183	58	*	*	PUNCT
asfbr-2216	183	59	*	*	X
asfbr-2216	183	60	0.243	0.243	NUM
asfbr-2216	183	61	12.930	12.930	NUM
asfbr-2216	184	1	*	*	PUNCT
asfbr-2216	184	2	*	*	PUNCT
asfbr-2216	184	3	*	*	PUNCT
asfbr-2216	184	4	investment	investment	NOUN
asfbr-2216	184	5	0.168	0.168	NUM
asfbr-2216	184	6	9.520	9.520	NUM
asfbr-2216	184	7	*	*	PUNCT
asfbr-2216	184	8	*	*	PUNCT
asfbr-2216	185	1	*	*	PUNCT
asfbr-2216	185	2	0.198	0.198	NUM
asfbr-2216	185	3	10.150	10.150	NUM
asfbr-2216	185	4	*	*	PUNCT
asfbr-2216	185	5	*	*	PUNCT
asfbr-2216	185	6	*	*	PUNCT
asfbr-2216	185	7	insurance	insurance	NOUN
asfbr-2216	185	8	0.111	0.111	NUM
asfbr-2216	185	9	5.370	5.370	NUM
asfbr-2216	185	10	*	*	PUNCT
asfbr-2216	186	1	*	*	PUNCT
asfbr-2216	186	2	*	*	PUNCT
asfbr-2216	186	3	0.110	0.110	NUM
asfbr-2216	186	4	4.770	4.770	NUM
asfbr-2216	186	5	*	*	PUNCT
asfbr-2216	186	6	*	*	PUNCT
asfbr-2216	186	7	*	*	PUNCT
asfbr-2216	186	8	a	a	DET
asfbr-2216	186	9	number	number	NOUN
asfbr-2216	186	10	of	of	ADP
asfbr-2216	186	11	obs	obs	PROPN
asfbr-2216	186	12	.	.	PUNCT
asfbr-2216	187	1	75,690	75,690	NUM
asfbr-2216	187	2	75,690	75,690	NUM
asfbr-2216	187	3	log	log	NOUN
asfbr-2216	187	4	-	-	PUNCT
asfbr-2216	187	5	likelihood／	likelihood／	NOUN
asfbr-2216	187	6	pseudo	pseudo	NOUN
asfbr-2216	187	7	r2	r2	NOUN
asfbr-2216	187	8	-85327.3	-85327.3	PROPN
asfbr-2216	187	9	0.0273	0.0273	NUM
asfbr-2216	187	10	-79954.08	-79954.08	NUM
asfbr-2216	187	11	0.0274	0.0274	NUM
asfbr-2216	187	12	note	note	NOUN
asfbr-2216	187	13	.	.	PUNCT
asfbr-2216	188	1	*	*	PUNCT
asfbr-2216	189	1	*	*	PUNCT
asfbr-2216	189	2	*	*	PUNCT
asfbr-2216	189	3	,	,	PUNCT
asfbr-2216	189	4	*	*	PUNCT
asfbr-2216	189	5	*	*	PUNCT
asfbr-2216	189	6	and	and	CCONJ
asfbr-2216	189	7	*	*	AUX
asfbr-2216	189	8	represent	represent	VERB
asfbr-2216	189	9	the	the	DET
asfbr-2216	189	10	statistically	statistically	ADV
asfbr-2216	189	11	significant	significant	ADJ
asfbr-2216	189	12	coefficients	coefficient	NOUN
asfbr-2216	189	13	at	at	ADP
asfbr-2216	189	14	significance	significance	NOUN
asfbr-2216	189	15	levels	level	NOUN
asfbr-2216	189	16	of	of	ADP
asfbr-2216	189	17	1	1	NUM
asfbr-2216	189	18	,	,	PUNCT
asfbr-2216	189	19	5	5	NUM
asfbr-2216	189	20	,	,	PUNCT
asfbr-2216	189	21	and	and	CCONJ
asfbr-2216	189	22	10	10	NUM
asfbr-2216	189	23	percent	percent	NOUN
asfbr-2216	189	24	,	,	PUNCT
asfbr-2216	189	25	respectively	respectively	ADV
asfbr-2216	189	26	.	.	PUNCT
asfbr-2216	190	1	additionally	additionally	ADV
asfbr-2216	190	2	,	,	PUNCT
asfbr-2216	190	3	the	the	DET
asfbr-2216	190	4	impact	impact	NOUN
asfbr-2216	190	5	of	of	ADP
asfbr-2216	190	6	any	any	DET
asfbr-2216	190	7	benefits	benefit	NOUN
asfbr-2216	190	8	received	receive	VERB
asfbr-2216	190	9	by	by	ADP
asfbr-2216	190	10	customers	customer	NOUN
asfbr-2216	190	11	from	from	ADP
asfbr-2216	190	12	regional	regional	ADJ
asfbr-2216	190	13	banks	bank	NOUN
asfbr-2216	190	14	on	on	ADP
asfbr-2216	190	15	their	their	PRON
asfbr-2216	190	16	satisfaction	satisfaction	NOUN
asfbr-2216	190	17	is	be	AUX
asfbr-2216	190	18	considered	consider	VERB
asfbr-2216	190	19	through	through	ADP
asfbr-2216	190	20	the	the	DET
asfbr-2216	190	21	channels	channel	NOUN
asfbr-2216	190	22	through	through	ADP
asfbr-2216	190	23	which	which	PRON
asfbr-2216	190	24	they	they	PRON
asfbr-2216	190	25	contacted	contact	VERB
asfbr-2216	190	26	the	the	DET
asfbr-2216	190	27	financial	financial	ADJ
asfbr-2216	190	28	institution	institution	NOUN
asfbr-2216	190	29	within	within	ADP
asfbr-2216	190	30	a	a	DET
asfbr-2216	190	31	year	year	NOUN
asfbr-2216	190	32	.	.	PUNCT
asfbr-2216	191	1	the	the	DET
asfbr-2216	191	2	impact	impact	NOUN
asfbr-2216	191	3	of	of	ADP
asfbr-2216	191	4	staff	staff	NOUN
asfbr-2216	191	5	and	and	CCONJ
asfbr-2216	191	6	call	call	VERB
asfbr-2216	191	7	centers	center	NOUN
asfbr-2216	191	8	on	on	ADP
asfbr-2216	191	9	customer	customer	NOUN
asfbr-2216	191	10	satisfaction	satisfaction	NOUN
asfbr-2216	191	11	is	be	AUX
asfbr-2216	191	12	significant	significant	ADJ
asfbr-2216	191	13	,	,	PUNCT
asfbr-2216	191	14	with	with	ADP
asfbr-2216	191	15	a	a	DET
asfbr-2216	191	16	p	p	NOUN
asfbr-2216	191	17	-	-	PUNCT
asfbr-2216	191	18	value	value	NOUN
asfbr-2216	191	19	of	of	ADP
asfbr-2216	191	20	less	less	ADJ
asfbr-2216	191	21	than	than	ADP
asfbr-2216	191	22	0.01	0.01	NUM
asfbr-2216	191	23	in	in	ADP
asfbr-2216	191	24	both	both	CCONJ
asfbr-2216	191	25	the	the	DET
asfbr-2216	191	26	2019	2019	NUM
asfbr-2216	191	27	and	and	CCONJ
asfbr-2216	191	28	2020	2020	NUM
asfbr-2216	191	29	estimates	estimate	NOUN
asfbr-2216	191	30	.	.	PUNCT
asfbr-2216	192	1	it	it	PRON
asfbr-2216	192	2	has	have	AUX
asfbr-2216	192	3	been	be	AUX
asfbr-2216	192	4	demonstrated	demonstrate	VERB
asfbr-2216	192	5	that	that	SCONJ
asfbr-2216	192	6	direct	direct	ADJ
asfbr-2216	192	7	human	human	ADJ
asfbr-2216	192	8	contact	contact	NOUN
asfbr-2216	192	9	with	with	ADP
asfbr-2216	192	10	customers	customer	NOUN
asfbr-2216	192	11	is	be	AUX
asfbr-2216	192	12	an	an	DET
asfbr-2216	192	13	effective	effective	ADJ
asfbr-2216	192	14	means	mean	NOUN
asfbr-2216	192	15	of	of	ADP
asfbr-2216	192	16	improving	improve	VERB
asfbr-2216	192	17	satisfaction	satisfaction	NOUN
asfbr-2216	192	18	.	.	PUNCT
asfbr-2216	193	1	contact	contact	NOUN
asfbr-2216	193	2	via	via	ADP
asfbr-2216	193	3	the	the	DET
asfbr-2216	193	4	website	website	NOUN
asfbr-2216	193	5	(	(	PUNCT
asfbr-2216	193	6	website	website	NOUN
asfbr-2216	193	7	)	)	PUNCT
asfbr-2216	193	8	and	and	CCONJ
asfbr-2216	193	9	train	train	NOUN
asfbr-2216	193	10	ads	ad	NOUN
asfbr-2216	193	11	and	and	CCONJ
asfbr-2216	193	12	direct	direct	ADJ
asfbr-2216	193	13	mail	mail	NOUN
asfbr-2216	193	14	(	(	PUNCT
asfbr-2216	193	15	trainads	trainad	NOUN
asfbr-2216	193	16	)	)	PUNCT
asfbr-2216	193	17	also	also	ADV
asfbr-2216	193	18	demonstrated	demonstrate	VERB
asfbr-2216	193	19	a	a	DET
asfbr-2216	193	20	significant	significant	ADJ
asfbr-2216	193	21	impact	impact	NOUN
asfbr-2216	193	22	on	on	ADP
asfbr-2216	193	23	customer	customer	NOUN
asfbr-2216	193	24	satisfaction	satisfaction	NOUN
asfbr-2216	193	25	(	(	PUNCT
asfbr-2216	193	26	p	p	X
asfbr-2216	193	27	<	<	X
asfbr-2216	193	28	0.01	0.01	NUM
asfbr-2216	193	29	)	)	PUNCT
asfbr-2216	193	30	.	.	PUNCT
asfbr-2216	194	1	conversely	conversely	ADV
asfbr-2216	194	2	,	,	PUNCT
asfbr-2216	194	3	events	event	NOUN
asfbr-2216	194	4	/	/	SYM
asfbr-2216	194	5	seminars	seminar	NOUN
asfbr-2216	194	6	(	(	PUNCT
asfbr-2216	194	7	events	event	NOUN
asfbr-2216	194	8	)	)	PUNCT
asfbr-2216	194	9	and	and	CCONJ
asfbr-2216	194	10	pop	pop	VERB
asfbr-2216	194	11	-	-	PUNCT
asfbr-2216	194	12	up	up	NOUN
asfbr-2216	194	13	and	and	CCONJ
asfbr-2216	194	14	tv	tv	VERB
asfbr-2216	194	15	online	online	ADJ
asfbr-2216	194	16	ads	ad	NOUN
asfbr-2216	194	17	(	(	PUNCT
asfbr-2216	194	18	pop	pop	NOUN
asfbr-2216	194	19	-	-	PUNCT
asfbr-2216	194	20	ups	up	NOUN
asfbr-2216	194	21	)	)	PUNCT
asfbr-2216	194	22	significantly	significantly	ADV
asfbr-2216	194	23	impacted	impact	VERB
asfbr-2216	194	24	customer	customer	NOUN
asfbr-2216	194	25	satisfaction	satisfaction	NOUN
asfbr-2216	194	26	in	in	ADP
asfbr-2216	194	27	2019	2019	NUM
asfbr-2216	194	28	.	.	PUNCT
asfbr-2216	195	1	however	however	ADV
asfbr-2216	195	2	,	,	PUNCT
asfbr-2216	195	3	this	this	DET
asfbr-2216	195	4	impact	impact	NOUN
asfbr-2216	195	5	was	be	AUX
asfbr-2216	195	6	insignificant	insignificant	ADJ
asfbr-2216	195	7	in	in	ADP
asfbr-2216	195	8	2020	2020	NUM
asfbr-2216	195	9	.	.	PUNCT
asfbr-2216	196	1	the	the	DET
asfbr-2216	196	2	effect	effect	NOUN
asfbr-2216	196	3	of	of	ADP
asfbr-2216	196	4	the	the	DET
asfbr-2216	196	5	global	global	ADJ
asfbr-2216	196	6	pandemic	pandemic	NOUN
asfbr-2216	196	7	has	have	AUX
asfbr-2216	196	8	resulted	result	VERB
asfbr-2216	196	9	in	in	ADP
asfbr-2216	196	10	a	a	DET
asfbr-2216	196	11	substantial	substantial	ADJ
asfbr-2216	196	12	decline	decline	NOUN
asfbr-2216	196	13	in	in	ADP
asfbr-2216	196	14	the	the	DET
asfbr-2216	196	15	ability	ability	NOUN
asfbr-2216	196	16	of	of	ADP
asfbr-2216	196	17	regional	regional	ADJ
asfbr-2216	196	18	banks	bank	NOUN
asfbr-2216	196	19	to	to	PART
asfbr-2216	196	20	organize	organize	VERB
asfbr-2216	196	21	events	event	NOUN
asfbr-2216	196	22	and	and	CCONJ
asfbr-2216	196	23	seminars	seminar	NOUN
asfbr-2216	196	24	for	for	ADP
asfbr-2216	196	25	their	their	PRON
asfbr-2216	196	26	customers	customer	NOUN
asfbr-2216	196	27	.	.	PUNCT
asfbr-2216	197	1	this	this	DET
asfbr-2216	197	2	decline	decline	NOUN
asfbr-2216	197	3	has	have	AUX
asfbr-2216	197	4	been	be	AUX
asfbr-2216	197	5	attributed	attribute	VERB
asfbr-2216	197	6	to	to	ADP
asfbr-2216	197	7	the	the	DET
asfbr-2216	197	8	loss	loss	NOUN
asfbr-2216	197	9	of	of	ADP
asfbr-2216	197	10	customer	customer	NOUN
asfbr-2216	197	11	benefits	benefit	NOUN
asfbr-2216	197	12	associated	associate	VERB
asfbr-2216	197	13	with	with	ADP
asfbr-2216	197	14	such	such	ADJ
asfbr-2216	197	15	events	event	NOUN
asfbr-2216	197	16	.	.	PUNCT
asfbr-2216	198	1	conversely	conversely	ADV
asfbr-2216	198	2	,	,	PUNCT
asfbr-2216	198	3	the	the	DET
asfbr-2216	198	4	2019	2019	NUM
asfbr-2216	198	5	and	and	CCONJ
asfbr-2216	198	6	2020	2020	NUM
asfbr-2216	198	7	estimates	estimate	NOUN
asfbr-2216	198	8	revealed	reveal	VERB
asfbr-2216	198	9	that	that	SCONJ
asfbr-2216	198	10	social	social	ADJ
asfbr-2216	198	11	networking	networking	NOUN
asfbr-2216	198	12	services	service	NOUN
asfbr-2216	198	13	(	(	PUNCT
asfbr-2216	198	14	sns	sns	PROPN
asfbr-2216	198	15	)	)	PUNCT
asfbr-2216	198	16	had	have	VERB
asfbr-2216	198	17	no	no	DET
asfbr-2216	198	18	significant	significant	ADJ
asfbr-2216	198	19	impact	impact	NOUN
asfbr-2216	198	20	on	on	ADP
asfbr-2216	198	21	satisfaction	satisfaction	NOUN
asfbr-2216	198	22	.	.	PUNCT
asfbr-2216	199	1	given	give	VERB
asfbr-2216	199	2	that	that	SCONJ
asfbr-2216	199	3	japanese	japanese	ADJ
asfbr-2216	199	4	regional	regional	ADJ
asfbr-2216	199	5	banks	bank	NOUN
asfbr-2216	199	6	operate	operate	VERB
asfbr-2216	199	7	in	in	ADP
asfbr-2216	199	8	rural	rural	ADJ
asfbr-2216	199	9	areas	area	NOUN
asfbr-2216	199	10	,	,	PUNCT
asfbr-2216	199	11	have	have	VERB
asfbr-2216	199	12	a	a	DET
asfbr-2216	199	13	large	large	ADJ
asfbr-2216	199	14	number	number	NOUN
asfbr-2216	199	15	of	of	ADP
asfbr-2216	199	16	older	old	ADJ
asfbr-2216	199	17	customers	customer	NOUN
asfbr-2216	199	18	,	,	PUNCT
asfbr-2216	199	19	and	and	CCONJ
asfbr-2216	199	20	still	still	ADV
asfbr-2216	199	21	need	need	VERB
asfbr-2216	199	22	to	to	PART
asfbr-2216	199	23	have	have	VERB
asfbr-2216	199	24	a	a	DET
asfbr-2216	199	25	high	high	ADJ
asfbr-2216	199	26	level	level	NOUN
asfbr-2216	199	27	of	of	ADP
asfbr-2216	199	28	trust	trust	NOUN
asfbr-2216	199	29	in	in	ADP
asfbr-2216	199	30	social	social	ADJ
asfbr-2216	199	31	media	medium	NOUN
asfbr-2216	199	32	information	information	NOUN
asfbr-2216	199	33	,	,	PUNCT
asfbr-2216	199	34	it	it	PRON
asfbr-2216	199	35	is	be	AUX
asfbr-2216	199	36	likely	likely	ADJ
asfbr-2216	199	37	that	that	PRON
asfbr-2216	199	38	contact	contact	NOUN
asfbr-2216	199	39	through	through	ADP
asfbr-2216	199	40	this	this	DET
asfbr-2216	199	41	channel	channel	NOUN
asfbr-2216	199	42	did	do	AUX
asfbr-2216	199	43	not	not	PART
asfbr-2216	199	44	affect	affect	VERB
asfbr-2216	199	45	satisfaction	satisfaction	NOUN
asfbr-2216	199	46	levels	level	NOUN
asfbr-2216	199	47	.	.	PUNCT
asfbr-2216	200	1	about	about	ADP
asfbr-2216	200	2	the	the	DET
asfbr-2216	200	3	financial	financial	ADJ
asfbr-2216	200	4	products	product	NOUN
asfbr-2216	200	5	they	they	PRON
asfbr-2216	200	6	do	do	VERB
asfbr-2216	200	7	business	business	NOUN
asfbr-2216	200	8	with	with	ADP
asfbr-2216	200	9	,	,	PUNCT
asfbr-2216	200	10	those	those	PRON
asfbr-2216	200	11	who	who	PRON
asfbr-2216	200	12	do	do	VERB
asfbr-2216	200	13	business	business	NOUN
asfbr-2216	200	14	with	with	ADP
asfbr-2216	200	15	a	a	DET
asfbr-2216	200	16	regional	regional	ADJ
asfbr-2216	200	17	bank	bank	NOUN
asfbr-2216	200	18	exhibited	exhibit	VERB
asfbr-2216	200	19	a	a	DET
asfbr-2216	200	20	positive	positive	ADJ
asfbr-2216	200	21	and	and	CCONJ
asfbr-2216	200	22	significant	significant	ADJ
asfbr-2216	200	23	(	(	PUNCT
asfbr-2216	200	24	p	p	X
asfbr-2216	200	25	<	<	X
asfbr-2216	200	26	0.01	0.01	NUM
asfbr-2216	200	27	)	)	PUNCT
asfbr-2216	200	28	correlation	correlation	NOUN
asfbr-2216	200	29	with	with	ADP
asfbr-2216	200	30	satisfaction	satisfaction	NOUN
asfbr-2216	200	31	for	for	ADP
asfbr-2216	200	32	all	all	DET
asfbr-2216	200	33	products	product	NOUN
asfbr-2216	200	34	.	.	PUNCT
asfbr-2216	201	1	we	we	PRON
asfbr-2216	201	2	found	find	VERB
asfbr-2216	201	3	that	that	SCONJ
asfbr-2216	201	4	the	the	DET
asfbr-2216	201	5	services	service	NOUN
asfbr-2216	201	6	of	of	ADP
asfbr-2216	201	7	deposits	deposit	NOUN
asfbr-2216	201	8	and	and	CCONJ
asfbr-2216	201	9	settlements	settlement	NOUN
asfbr-2216	201	10	(	(	PUNCT
asfbr-2216	201	11	deposits	deposit	NOUN
asfbr-2216	201	12	)	)	PUNCT
asfbr-2216	201	13	,	,	PUNCT
asfbr-2216	201	14	housing	housing	NOUN
asfbr-2216	201	15	loans	loan	NOUN
asfbr-2216	201	16	(	(	PUNCT
asfbr-2216	201	17	hloan	hloan	PROPN
asfbr-2216	201	18	)	)	PUNCT
asfbr-2216	201	19	,	,	PUNCT
asfbr-2216	201	20	investment	investment	NOUN
asfbr-2216	201	21	management	management	NOUN
asfbr-2216	201	22	(	(	PUNCT
asfbr-2216	201	23	investment	investment	NOUN
asfbr-2216	201	24	)	)	PUNCT
asfbr-2216	201	25	,	,	PUNCT
asfbr-2216	201	26	and	and	CCONJ
asfbr-2216	201	27	insurance	insurance	NOUN
asfbr-2216	201	28	and	and	CCONJ
asfbr-2216	201	29	private	private	ADJ
asfbr-2216	201	30	pensions	pension	NOUN
asfbr-2216	201	31	(	(	PUNCT
asfbr-2216	201	32	insurance	insurance	NOUN
asfbr-2216	201	33	)	)	PUNCT
asfbr-2216	201	34	have	have	VERB
asfbr-2216	201	35	a	a	DET
asfbr-2216	201	36	more	more	ADV
asfbr-2216	201	37	significant	significant	ADJ
asfbr-2216	201	38	influence	influence	NOUN
asfbr-2216	201	39	on	on	ADP
asfbr-2216	201	40	customer	customer	NOUN
asfbr-2216	201	41	satisfaction	satisfaction	NOUN
asfbr-2216	201	42	than	than	ADP
asfbr-2216	201	43	in	in	ADP
asfbr-2216	201	44	fy	fy	PROPN
asfbr-2216	201	45	2019	2019	NUM
asfbr-2216	201	46	.	.	PUNCT
asfbr-2216	202	1	the	the	DET
asfbr-2216	202	2	level	level	NOUN
asfbr-2216	202	3	of	of	ADP
asfbr-2216	202	4	significance	significance	NOUN
asfbr-2216	202	5	was	be	AUX
asfbr-2216	202	6	found	find	VERB
asfbr-2216	202	7	to	to	PART
asfbr-2216	202	8	be	be	AUX
asfbr-2216	202	9	higher	high	ADJ
asfbr-2216	202	10	in	in	ADP
asfbr-2216	202	11	fy2020	fy2020	PROPN
asfbr-2216	202	12	.	.	PUNCT
asfbr-2216	203	1	table	table	NOUN
asfbr-2216	203	2	5	5	NUM
asfbr-2216	203	3	presents	present	VERB
asfbr-2216	203	4	the	the	DET
asfbr-2216	203	5	marginal	marginal	ADJ
asfbr-2216	203	6	effects	effect	NOUN
asfbr-2216	203	7	,	,	PUNCT
asfbr-2216	203	8	or	or	CCONJ
asfbr-2216	203	9	the	the	DET
asfbr-2216	203	10	probability	probability	NOUN
asfbr-2216	203	11	changes	change	NOUN
asfbr-2216	203	12	in	in	ADP
asfbr-2216	203	13	the	the	DET
asfbr-2216	203	14	dependent	dependent	ADJ
asfbr-2216	203	15	variable	variable	NOUN
asfbr-2216	203	16	for	for	ADP
asfbr-2216	203	17	a	a	DET
asfbr-2216	203	18	one	one	NUM
asfbr-2216	203	19	-	-	PUNCT
asfbr-2216	203	20	unit	unit	NOUN
asfbr-2216	203	21	change	change	NOUN
asfbr-2216	203	22	in	in	ADP
asfbr-2216	203	23	the	the	DET
asfbr-2216	203	24	independent	independent	ADJ
asfbr-2216	203	25	variable	variable	NOUN
asfbr-2216	203	26	,	,	PUNCT
asfbr-2216	203	27	for	for	ADP
asfbr-2216	203	28	the	the	DET
asfbr-2216	203	29	estimated	estimate	VERB
asfbr-2216	203	30	results	result	NOUN
asfbr-2216	203	31	in	in	ADP
asfbr-2216	203	32	2019	2019	NUM
asfbr-2216	203	33	and	and	CCONJ
asfbr-2216	203	34	2020	2020	NUM
asfbr-2216	203	35	.	.	PUNCT
asfbr-2216	204	1	the	the	DET
asfbr-2216	204	2	direction	direction	NOUN
asfbr-2216	204	3	of	of	ADP
asfbr-2216	204	4	the	the	DET
asfbr-2216	204	5	effect	effect	NOUN
asfbr-2216	204	6	is	be	AUX
asfbr-2216	204	7	contingent	contingent	ADJ
asfbr-2216	204	8	upon	upon	SCONJ
asfbr-2216	204	9	the	the	DET
asfbr-2216	204	10	sign	sign	NOUN
asfbr-2216	204	11	of	of	ADP
asfbr-2216	204	12	the	the	DET
asfbr-2216	204	13	coefficient	coefficient	NOUN
asfbr-2216	204	14	.	.	PUNCT
asfbr-2216	205	1	values	value	NOUN
asfbr-2216	205	2	greater	great	ADJ
asfbr-2216	205	3	than	than	ADP
asfbr-2216	205	4	zero	zero	NUM
asfbr-2216	205	5	indicate	indicate	VERB
asfbr-2216	205	6	an	an	DET
asfbr-2216	205	7	effect	effect	NOUN
asfbr-2216	205	8	of	of	ADP
asfbr-2216	205	9	increasing	increase	VERB
asfbr-2216	205	10	satisfaction	satisfaction	NOUN
asfbr-2216	205	11	,	,	PUNCT
asfbr-2216	205	12	while	while	SCONJ
asfbr-2216	205	13	values	value	NOUN
asfbr-2216	205	14	less	less	ADJ
asfbr-2216	205	15	than	than	ADP
asfbr-2216	205	16	zero	zero	NUM
asfbr-2216	205	17	imply	imply	VERB
asfbr-2216	205	18	an	an	DET
asfbr-2216	205	19	impact	impact	NOUN
asfbr-2216	205	20	of	of	ADP
asfbr-2216	205	21	decreasing	decrease	VERB
asfbr-2216	205	22	satisfaction	satisfaction	NOUN
asfbr-2216	205	23	.	.	PUNCT
asfbr-2216	206	1	the	the	DET
asfbr-2216	206	2	direction	direction	NOUN
asfbr-2216	206	3	of	of	ADP
asfbr-2216	206	4	the	the	DET
asfbr-2216	206	5	effect	effect	NOUN
asfbr-2216	206	6	is	be	AUX
asfbr-2216	206	7	contingent	contingent	ADJ
asfbr-2216	206	8	upon	upon	SCONJ
asfbr-2216	206	9	the	the	DET
asfbr-2216	206	10	sign	sign	NOUN
asfbr-2216	206	11	of	of	ADP
asfbr-2216	206	12	the	the	DET
asfbr-2216	206	13	coefficient	coefficient	NOUN
asfbr-2216	206	14	.	.	PUNCT
asfbr-2216	207	1	values	value	NOUN
asfbr-2216	207	2	greater	great	ADJ
asfbr-2216	207	3	than	than	ADP
asfbr-2216	207	4	zero	zero	NUM
asfbr-2216	207	5	indicate	indicate	VERB
asfbr-2216	207	6	an	an	DET
asfbr-2216	207	7	effect	effect	NOUN
asfbr-2216	207	8	that	that	PRON
asfbr-2216	207	9	increases	increase	VERB
asfbr-2216	207	10	satisfaction	satisfaction	NOUN
asfbr-2216	207	11	,	,	PUNCT
asfbr-2216	207	12	while	while	SCONJ
asfbr-2216	207	13	values	value	NOUN
asfbr-2216	207	14	less	less	ADJ
asfbr-2216	207	15	than	than	ADP
asfbr-2216	207	16	zero	zero	NUM
asfbr-2216	207	17	imply	imply	VERB
asfbr-2216	207	18	an	an	DET
asfbr-2216	207	19	effect	effect	NOUN
asfbr-2216	207	20	that	that	PRON
asfbr-2216	207	21	decreases	decrease	VERB
asfbr-2216	207	22	satisfaction	satisfaction	NOUN
asfbr-2216	207	23	.	.	PUNCT
asfbr-2216	208	1	regarding	regard	VERB
asfbr-2216	208	2	the	the	DET
asfbr-2216	208	3	customer	customer	NOUN
asfbr-2216	208	4	benefits	benefit	NOUN
asfbr-2216	208	5	,	,	PUNCT
asfbr-2216	208	6	the	the	DET
asfbr-2216	208	7	results	result	NOUN
asfbr-2216	208	8	indicate	indicate	VERB
asfbr-2216	208	9	that	that	SCONJ
asfbr-2216	208	10	the	the	DET
asfbr-2216	208	11	marginal	marginal	ADJ
asfbr-2216	208	12	effects	effect	NOUN
asfbr-2216	208	13	for	for	ADP
asfbr-2216	208	14	the	the	DET
asfbr-2216	208	15	categories	category	NOUN
asfbr-2216	208	16	"	"	PUNCT
asfbr-2216	208	17	satisfied	satisfied	ADJ
asfbr-2216	208	18	"	"	PUNCT
asfbr-2216	208	19	and	and	CCONJ
asfbr-2216	208	20	"	"	PUNCT
asfbr-2216	208	21	very	very	ADV
asfbr-2216	208	22	satisfied	satisfied	ADJ
asfbr-2216	208	23	"	"	PUNCT
asfbr-2216	208	24	categories	category	NOUN
asfbr-2216	208	25	are	be	AUX
asfbr-2216	208	26	positive	positive	ADJ
asfbr-2216	208	27	and	and	CCONJ
asfbr-2216	208	28	significant	significant	ADJ
asfbr-2216	208	29	.	.	PUNCT
asfbr-2216	209	1	furthermore	furthermore	ADV
asfbr-2216	209	2	,	,	PUNCT
asfbr-2216	209	3	the	the	DET
asfbr-2216	209	4	impact	impact	NOUN
asfbr-2216	209	5	of	of	ADP
asfbr-2216	209	6	“	"	PUNCT
asfbr-2216	209	7	satisfied	satisfied	ADJ
asfbr-2216	209	8	"	"	PUNCT
asfbr-2216	209	9	was	be	AUX
asfbr-2216	209	10	higher	high	ADJ
asfbr-2216	209	11	than	than	ADP
asfbr-2216	209	12	that	that	PRON
asfbr-2216	209	13	of	of	ADP
asfbr-2216	209	14	"	"	PUNCT
asfbr-2216	209	15	very	very	ADV
asfbr-2216	209	16	satisfied	satisfied	ADJ
asfbr-2216	209	17	.	.	PUNCT
asfbr-2216	209	18	"	"	PUNCT
asfbr-2216	210	1	the	the	DET
asfbr-2216	210	2	marginal	marginal	ADJ
asfbr-2216	210	3	effects	effect	NOUN
asfbr-2216	210	4	for	for	ADP
asfbr-2216	210	5	events	event	NOUN
asfbr-2216	210	6	and	and	CCONJ
asfbr-2216	210	7	seminars	seminar	NOUN
asfbr-2216	210	8	(	(	PUNCT
asfbr-2216	210	9	events	event	NOUN
asfbr-2216	210	10	)	)	PUNCT
asfbr-2216	210	11	and	and	CCONJ
asfbr-2216	210	12	pop	pop	VERB
asfbr-2216	210	13	-	-	PUNCT
asfbr-2216	210	14	up	up	NOUN
asfbr-2216	210	15	and	and	CCONJ
asfbr-2216	210	16	tv	tv	VERB
asfbr-2216	210	17	online	online	ADJ
asfbr-2216	210	18	advertising	advertising	NOUN
asfbr-2216	210	19	(	(	PUNCT
asfbr-2216	210	20	pop	pop	VERB
asfbr-2216	210	21	-	-	PUNCT
asfbr-2216	210	22	up	up	NOUN
asfbr-2216	210	23	)	)	PUNCT
asfbr-2216	210	24	were	be	AUX
asfbr-2216	210	25	positive	positive	ADJ
asfbr-2216	210	26	and	and	CCONJ
asfbr-2216	210	27	significant	significant	ADJ
asfbr-2216	210	28	for	for	ADP
asfbr-2216	210	29	"	"	PUNCT
asfbr-2216	210	30	satisfied	satisfied	ADJ
asfbr-2216	210	31	"	"	PUNCT
asfbr-2216	210	32	and	and	CCONJ
asfbr-2216	210	33	"	"	PUNCT
asfbr-2216	210	34	very	very	ADV
asfbr-2216	210	35	satisfied	satisfied	ADJ
asfbr-2216	210	36	"	"	PUNCT
asfbr-2216	210	37	in	in	ADP
asfbr-2216	210	38	2019	2019	NUM
asfbr-2216	210	39	but	but	CCONJ
asfbr-2216	210	40	not	not	PART
asfbr-2216	210	41	substantial	substantial	ADJ
asfbr-2216	210	42	in	in	ADP
asfbr-2216	210	43	2020	2020	NUM
asfbr-2216	210	44	.	.	PUNCT
asfbr-2216	211	1	the	the	DET
asfbr-2216	211	2	significance	significance	NOUN
asfbr-2216	211	3	of	of	ADP
asfbr-2216	211	4	this	this	DET
asfbr-2216	211	5	factor	factor	NOUN
asfbr-2216	211	6	has	have	AUX
asfbr-2216	211	7	now	now	ADV
asfbr-2216	211	8	been	be	AUX
asfbr-2216	211	9	eliminated	eliminate	VERB
asfbr-2216	211	10	.	.	PUNCT
asfbr-2216	212	1	the	the	DET
asfbr-2216	212	2	above	above	ADJ
asfbr-2216	212	3	marginal	marginal	ADJ
asfbr-2216	212	4	effects	effect	NOUN
asfbr-2216	212	5	indicate	indicate	VERB
asfbr-2216	212	6	that	that	SCONJ
asfbr-2216	212	7	if	if	SCONJ
asfbr-2216	212	8	regional	regional	ADJ
asfbr-2216	212	9	banks	bank	NOUN
asfbr-2216	212	10	intensify	intensify	VERB
asfbr-2216	212	11	or	or	CCONJ
asfbr-2216	212	12	continue	continue	VERB
asfbr-2216	212	13	their	their	PRON
asfbr-2216	212	14	efforts	effort	NOUN
asfbr-2216	212	15	to	to	PART
asfbr-2216	212	16	utilize	utilize	VERB
asfbr-2216	212	17	these	these	DET
asfbr-2216	212	18	channels	channel	NOUN
asfbr-2216	212	19	and	and	CCONJ
asfbr-2216	212	20	benefits	benefit	NOUN
asfbr-2216	212	21	to	to	ADP
asfbr-2216	212	22	their	their	PRON
asfbr-2216	212	23	customers	customer	NOUN
asfbr-2216	212	24	,	,	PUNCT
asfbr-2216	212	25	the	the	DET
asfbr-2216	212	26	probability	probability	NOUN
asfbr-2216	212	27	of	of	ADP
asfbr-2216	212	28	customer	customer	NOUN
asfbr-2216	212	29	satisfaction	satisfaction	NOUN
asfbr-2216	212	30	and	and	CCONJ
asfbr-2216	212	31	high	high	ADJ
asfbr-2216	212	32	satisfaction	satisfaction	NOUN
asfbr-2216	212	33	will	will	AUX
asfbr-2216	212	34	increase	increase	VERB
asfbr-2216	212	35	.	.	PUNCT
asfbr-2216	213	1	consequently	consequently	ADV
asfbr-2216	213	2	,	,	PUNCT
asfbr-2216	213	3	it	it	PRON
asfbr-2216	213	4	can	can	AUX
asfbr-2216	213	5	be	be	AUX
asfbr-2216	213	6	posited	posit	VERB
asfbr-2216	213	7	that	that	SCONJ
asfbr-2216	213	8	the	the	DET
asfbr-2216	213	9	strengthening	strengthening	NOUN
asfbr-2216	213	10	and	and	CCONJ
asfbr-2216	213	11	enhancement	enhancement	NOUN
asfbr-2216	213	12	of	of	ADP
asfbr-2216	213	13	contact	contact	NOUN
asfbr-2216	213	14	from	from	ADP
asfbr-2216	213	15	these	these	DET
asfbr-2216	213	16	channels	channel	NOUN
asfbr-2216	213	17	can	can	AUX
asfbr-2216	213	18	reduce	reduce	VERB
asfbr-2216	213	19	the	the	DET
asfbr-2216	213	20	probability	probability	NOUN
asfbr-2216	213	21	of	of	ADP
asfbr-2216	213	22	customers	customer	NOUN
asfbr-2216	213	23	being	be	AUX
asfbr-2216	213	24	"	"	PUNCT
asfbr-2216	213	25	unsatisfied	unsatisfied	ADJ
asfbr-2216	213	26	"	"	PUNCT
asfbr-2216	213	27	or	or	CCONJ
asfbr-2216	213	28	"	"	PUNCT
asfbr-2216	213	29	very	very	ADV
asfbr-2216	213	30	dissatisfied	dissatisfied	ADJ
asfbr-2216	213	31	.	.	PUNCT
asfbr-2216	213	32	"	"	PUNCT
asfbr-2216	214	1	recognizing	recognize	VERB
asfbr-2216	214	2	the	the	DET
asfbr-2216	214	3	significance	significance	NOUN
asfbr-2216	214	4	of	of	ADP
asfbr-2216	214	5	contacts	contact	NOUN
asfbr-2216	214	6	from	from	ADP
asfbr-2216	214	7	the	the	DET
asfbr-2216	214	8	distribution	distribution	NOUN
asfbr-2216	214	9	channel	channel	NOUN
asfbr-2216	214	10	and	and	CCONJ
asfbr-2216	214	11	the	the	DET
asfbr-2216	214	12	benefits	benefit	NOUN
asfbr-2216	214	13	provided	provide	VERB
asfbr-2216	214	14	to	to	ADP
asfbr-2216	214	15	customers	customer	NOUN
asfbr-2216	214	16	'	'	PART
asfbr-2216	214	17	needs	need	NOUN
asfbr-2216	214	18	is	be	AUX
asfbr-2216	214	19	essential	essential	ADJ
asfbr-2216	214	20	.	.	PUNCT
asfbr-2216	215	1	this	this	PRON
asfbr-2216	215	2	is	be	AUX
asfbr-2216	215	3	because	because	SCONJ
asfbr-2216	215	4	highly	highly	ADV
asfbr-2216	215	5	satisfied	satisfied	ADJ
asfbr-2216	215	6	customers	customer	NOUN
asfbr-2216	215	7	are	be	AUX
asfbr-2216	215	8	more	more	ADV
asfbr-2216	215	9	likely	likely	ADJ
asfbr-2216	215	10	to	to	PART
asfbr-2216	215	11	form	form	VERB
asfbr-2216	215	12	long	long	ADJ
asfbr-2216	215	13	-	-	PUNCT
asfbr-2216	215	14	term	term	NOUN
asfbr-2216	215	15	relationships	relationship	NOUN
asfbr-2216	215	16	with	with	ADP
asfbr-2216	215	17	the	the	DET
asfbr-2216	215	18	regional	regional	ADJ
asfbr-2216	215	19	bank	bank	NOUN
asfbr-2216	215	20	,	,	PUNCT
asfbr-2216	215	21	which	which	PRON
asfbr-2216	215	22	can	can	AUX
asfbr-2216	215	23	deliver	deliver	VERB
asfbr-2216	215	24	several	several	ADJ
asfbr-2216	215	25	performance	performance	NOUN
asfbr-2216	215	26	outcomes	outcome	NOUN
asfbr-2216	215	27	to	to	ADP
asfbr-2216	215	28	the	the	DET
asfbr-2216	215	29	customer	customer	NOUN
asfbr-2216	215	30	or	or	CCONJ
asfbr-2216	215	31	the	the	DET
asfbr-2216	215	32	bank	bank	NOUN
asfbr-2216	215	33	while	while	SCONJ
asfbr-2216	215	34	also	also	ADV
asfbr-2216	215	35	providing	provide	VERB
asfbr-2216	215	36	significant	significant	ADJ
asfbr-2216	215	37	benefits	benefit	NOUN
asfbr-2216	215	38	to	to	ADP
asfbr-2216	215	39	the	the	DET
asfbr-2216	215	40	regional	regional	ADJ
asfbr-2216	215	41	bank	bank	NOUN
asfbr-2216	215	42	.	.	PUNCT
asfbr-2216	216	1	among	among	ADP
asfbr-2216	216	2	the	the	DET
asfbr-2216	216	3	socio	socio	NOUN
asfbr-2216	216	4	-	-	ADJ
asfbr-2216	216	5	demographic	demographic	ADJ
asfbr-2216	216	6	variables	variable	NOUN
asfbr-2216	216	7	,	,	PUNCT
asfbr-2216	216	8	gender	gender	NOUN
asfbr-2216	216	9	,	,	PUNCT
asfbr-2216	216	10	age	age	NOUN
asfbr-2216	216	11	,	,	PUNCT
asfbr-2216	216	12	and	and	CCONJ
asfbr-2216	216	13	occupation	occupation	NOUN
asfbr-2216	216	14	negatively	negatively	ADV
asfbr-2216	216	15	affected	affect	VERB
asfbr-2216	216	16	satisfaction	satisfaction	NOUN
asfbr-2216	216	17	in	in	ADP
asfbr-2216	216	18	the	the	DET
asfbr-2216	216	19	2019	2019	NUM
asfbr-2216	216	20	and	and	CCONJ
asfbr-2216	216	21	2020	2020	NUM
asfbr-2216	216	22	estimates	estimate	NOUN
asfbr-2216	216	23	.	.	PUNCT
asfbr-2216	217	1	gender	gender	NOUN
asfbr-2216	217	2	was	be	AUX
asfbr-2216	217	3	positively	positively	ADV
asfbr-2216	217	4	correlated	correlate	VERB
asfbr-2216	217	5	with	with	ADP
asfbr-2216	217	6	satisfaction	satisfaction	NOUN
asfbr-2216	217	7	and	and	CCONJ
asfbr-2216	217	8	high	high	ADJ
asfbr-2216	217	9	satisfaction	satisfaction	NOUN
asfbr-2216	217	10	,	,	PUNCT
asfbr-2216	217	11	while	while	SCONJ
asfbr-2216	217	12	occupation	occupation	NOUN
asfbr-2216	217	13	was	be	AUX
asfbr-2216	217	14	negatively	negatively	ADV
asfbr-2216	217	15	correlated	correlate	VERB
asfbr-2216	217	16	with	with	ADP
asfbr-2216	217	17	satisfaction	satisfaction	NOUN
asfbr-2216	217	18	and	and	CCONJ
asfbr-2216	217	19	high	high	ADJ
asfbr-2216	217	20	satisfaction	satisfaction	NOUN
asfbr-2216	217	21	.	.	PUNCT
asfbr-2216	218	1	it	it	PRON
asfbr-2216	218	2	can	can	AUX
asfbr-2216	218	3	be	be	AUX
asfbr-2216	218	4	concluded	conclude	VERB
asfbr-2216	218	5	that	that	SCONJ
asfbr-2216	218	6	satisfaction	satisfaction	NOUN
asfbr-2216	218	7	is	be	AUX
asfbr-2216	218	8	higher	high	ADJ
asfbr-2216	218	9	among	among	ADP
asfbr-2216	218	10	females	female	NOUN
asfbr-2216	218	11	than	than	ADP
asfbr-2216	218	12	males	male	NOUN
asfbr-2216	218	13	,	,	PUNCT
asfbr-2216	218	14	among	among	ADP
asfbr-2216	218	15	those	those	PRON
asfbr-2216	218	16	who	who	PRON
asfbr-2216	218	17	are	be	AUX
asfbr-2216	218	18	unemployed	unemployed	ADJ
asfbr-2216	218	19	than	than	ADP
asfbr-2216	218	20	those	those	PRON
asfbr-2216	218	21	who	who	PRON
asfbr-2216	218	22	have	have	VERB
asfbr-2216	218	23	a	a	DET
asfbr-2216	218	24	job	job	NOUN
asfbr-2216	218	25	,	,	PUNCT
asfbr-2216	218	26	and	and	CCONJ
asfbr-2216	218	27	among	among	ADP
asfbr-2216	218	28	those	those	PRON
asfbr-2216	218	29	who	who	PRON
asfbr-2216	218	30	are	be	AUX
asfbr-2216	218	31	younger	young	ADJ
asfbr-2216	218	32	than	than	ADP
asfbr-2216	218	33	those	those	PRON
asfbr-2216	218	34	who	who	PRON
asfbr-2216	218	35	are	be	AUX
asfbr-2216	218	36	older	old	ADJ
asfbr-2216	218	37	.	.	PUNCT
asfbr-2216	219	1	this	this	DET
asfbr-2216	219	2	result	result	NOUN
asfbr-2216	219	3	may	may	AUX
asfbr-2216	219	4	be	be	AUX
asfbr-2216	219	5	attributed	attribute	VERB
asfbr-2216	219	6	to	to	ADP
asfbr-2216	219	7	the	the	DET
asfbr-2216	219	8	fact	fact	NOUN
asfbr-2216	219	9	that	that	SCONJ
asfbr-2216	219	10	longer	long	ADJ
asfbr-2216	219	11	relationships	relationship	NOUN
asfbr-2216	219	12	with	with	ADP
asfbr-2216	219	13	regional	regional	ADJ
asfbr-2216	219	14	banks	bank	NOUN
asfbr-2216	219	15	and	and	CCONJ
asfbr-2216	219	16	experience	experience	NOUN
asfbr-2216	219	17	in	in	ADP
asfbr-2216	219	18	asset	asset	NOUN
asfbr-2216	219	19	management	management	NOUN
asfbr-2216	219	20	may	may	AUX
asfbr-2216	219	21	lead	lead	VERB
asfbr-2216	219	22	to	to	ADP
asfbr-2216	219	23	more	more	ADV
asfbr-2216	219	24	rigorous	rigorous	ADJ
asfbr-2216	219	25	evaluations	evaluation	NOUN
asfbr-2216	219	26	of	of	ADP
asfbr-2216	219	27	their	their	PRON
asfbr-2216	219	28	services	service	NOUN
asfbr-2216	219	29	.	.	PUNCT
asfbr-2216	220	1	the	the	DET
asfbr-2216	220	2	amount	amount	NOUN
asfbr-2216	220	3	of	of	ADP
asfbr-2216	220	4	financial	financial	ADJ
asfbr-2216	220	5	assets	asset	NOUN
asfbr-2216	220	6	(	(	PUNCT
asfbr-2216	220	7	assets	asset	NOUN
asfbr-2216	220	8	)	)	PUNCT
asfbr-2216	220	9	and	and	CCONJ
asfbr-2216	220	10	customers	customer	NOUN
asfbr-2216	220	11	’	’	PART
asfbr-2216	220	12	financial	financial	ADJ
asfbr-2216	220	13	literacy	literacy	NOUN
asfbr-2216	220	14	scores	score	NOUN
asfbr-2216	220	15	(	(	PUNCT
asfbr-2216	220	16	literacy	literacy	NOUN
asfbr-2216	220	17	)	)	PUNCT
asfbr-2216	220	18	exhibited	exhibit	VERB
asfbr-2216	220	19	a	a	DET
asfbr-2216	220	20	negative	negative	ADJ
asfbr-2216	220	21	effect	effect	NOUN
asfbr-2216	220	22	(	(	PUNCT
asfbr-2216	220	23	negative	negative	ADJ
asfbr-2216	220	24	marginal	marginal	ADJ
asfbr-2216	220	25	effect	effect	NOUN
asfbr-2216	220	26	for	for	ADP
asfbr-2216	220	27	satisfaction	satisfaction	NOUN
asfbr-2216	220	28	and	and	CCONJ
asfbr-2216	220	29	high	high	ADJ
asfbr-2216	220	30	satisfaction	satisfaction	NOUN
asfbr-2216	220	31	)	)	PUNCT
asfbr-2216	220	32	in	in	ADP
asfbr-2216	220	33	both	both	DET
asfbr-2216	220	34	2019	2019	NUM
asfbr-2216	220	35	and	and	CCONJ
asfbr-2216	220	36	2020	2020	NUM
asfbr-2216	220	37	.	.	PUNCT
asfbr-2216	221	1	this	this	DET
asfbr-2216	221	2	result	result	NOUN
asfbr-2216	221	3	suggests	suggest	VERB
asfbr-2216	221	4	that	that	SCONJ
asfbr-2216	221	5	customers	customer	NOUN
asfbr-2216	221	6	with	with	ADP
asfbr-2216	221	7	more	more	ADJ
asfbr-2216	221	8	outstanding	outstanding	ADJ
asfbr-2216	221	9	asset	asset	NOUN
asfbr-2216	221	10	holdings	holding	NOUN
asfbr-2216	221	11	and	and	CCONJ
asfbr-2216	221	12	higher	high	ADJ
asfbr-2216	221	13	levels	level	NOUN
asfbr-2216	221	14	of	of	ADP
asfbr-2216	221	15	financial	financial	ADJ
asfbr-2216	221	16	literacy	literacy	NOUN
asfbr-2216	221	17	are	be	AUX
asfbr-2216	221	18	less	less	ADV
asfbr-2216	221	19	satisfied	satisfied	ADJ
asfbr-2216	221	20	with	with	ADP
asfbr-2216	221	21	the	the	DET
asfbr-2216	221	22	services	service	NOUN
asfbr-2216	221	23	provided	provide	VERB
asfbr-2216	221	24	by	by	ADP
asfbr-2216	221	25	regional	regional	ADJ
asfbr-2216	221	26	banks	bank	NOUN
asfbr-2216	221	27	.	.	PUNCT
asfbr-2216	222	1	therefore	therefore	ADV
asfbr-2216	222	2	,	,	PUNCT
asfbr-2216	222	3	these	these	DET
asfbr-2216	222	4	affluent	affluent	ADJ
asfbr-2216	222	5	and	and	CCONJ
asfbr-2216	222	6	financially	financially	ADV
asfbr-2216	222	7	literate	literate	ADJ
asfbr-2216	222	8	customers	customer	NOUN
asfbr-2216	222	9	may	may	AUX
asfbr-2216	222	10	seek	seek	VERB
asfbr-2216	222	11	more	more	ADV
asfbr-2216	222	12	sophisticated	sophisticated	ADJ
asfbr-2216	222	13	services	service	NOUN
asfbr-2216	222	14	and	and	CCONJ
asfbr-2216	222	15	professional	professional	ADJ
asfbr-2216	222	16	advice	advice	NOUN
asfbr-2216	222	17	.	.	PUNCT
asfbr-2216	223	1	mori	mori	PROPN
asfbr-2216	223	2	et	et	PROPN
asfbr-2216	223	3	al	al	PROPN
asfbr-2216	223	4	.	.	PROPN
asfbr-2216	223	5	,	,	PUNCT
asfbr-2216	223	6	asian	asian	PROPN
asfbr-2216	223	7	finance	finance	PROPN
asfbr-2216	223	8	&	&	CCONJ
asfbr-2216	223	9	banking	banking	PROPN
asfbr-2216	223	10	review	review	NOUN
asfbr-2216	223	11	8(1	8(1	NOUN
asfbr-2216	223	12	)	)	PUNCT
asfbr-2216	223	13	(	(	PUNCT
asfbr-2216	223	14	2024	2024	NUM
asfbr-2216	223	15	)	)	PUNCT
asfbr-2216	223	16	,	,	PUNCT
asfbr-2216	223	17	1	1	NUM
asfbr-2216	223	18	-	-	SYM
asfbr-2216	223	19	12	12	NUM
asfbr-2216	223	20	7	7	NUM
asfbr-2216	223	21	table	table	NOUN
asfbr-2216	223	22	5	5	NUM
asfbr-2216	223	23	.	.	PUNCT
asfbr-2216	223	24	marginal	marginal	ADJ
asfbr-2216	223	25	effects	effect	NOUN
asfbr-2216	223	26	of	of	ADP
asfbr-2216	223	27	benefits	benefit	NOUN
asfbr-2216	223	28	received	receive	VERB
asfbr-2216	223	29	on	on	ADP
asfbr-2216	223	30	customer	customer	NOUN
asfbr-2216	223	31	satisfaction	satisfaction	NOUN
asfbr-2216	223	32	2019	2019	NUM
asfbr-2216	223	33	2020	2020	NUM
asfbr-2216	223	34	highly	highly	ADV
asfbr-2216	223	35	dissatisfied	dissatisfied	ADJ
asfbr-2216	223	36	1	1	NUM
asfbr-2216	223	37	dissatisfied	dissatisfied	ADJ
asfbr-2216	223	38	2	2	NUM
asfbr-2216	223	39	neutral	neutral	ADJ
asfbr-2216	223	40	3	3	NUM
asfbr-2216	223	41	satisfied	satisfy	VERB
asfbr-2216	223	42	4	4	NUM
asfbr-2216	223	43	highly	highly	ADV
asfbr-2216	223	44	satisfied	satisfied	ADJ
asfbr-2216	223	45	5	5	NUM
asfbr-2216	223	46	highly	highly	ADV
asfbr-2216	223	47	dissatisfied	dissatisfied	ADJ
asfbr-2216	223	48	1	1	NUM
asfbr-2216	223	49	dissatisfied	dissatisfied	ADJ
asfbr-2216	223	50	2	2	NUM
asfbr-2216	223	51	neutral	neutral	ADJ
asfbr-2216	223	52	3	3	NUM
asfbr-2216	223	53	satisfied	satisfy	VERB
asfbr-2216	223	54	4	4	NUM
asfbr-2216	223	55	highly	highly	ADV
asfbr-2216	223	56	satisfied	satisfied	ADJ
asfbr-2216	223	57	5	5	NUM
asfbr-2216	223	58	gender	gender	NOUN
asfbr-2216	223	59	0.004	0.004	NUM
asfbr-2216	223	60	(	(	PUNCT
asfbr-2216	223	61	0.000	0.000	NUM
asfbr-2216	223	62	)	)	PUNCT
asfbr-2216	223	63	0.007	0.007	NUM
asfbr-2216	223	64	(	(	PUNCT
asfbr-2216	223	65	0.000	0.000	NUM
asfbr-2216	223	66	)	)	PUNCT
asfbr-2216	223	67	0.021	0.021	NUM
asfbr-2216	223	68	(	(	PUNCT
asfbr-2216	223	69	0.000	0.000	NUM
asfbr-2216	223	70	)	)	PUNCT
asfbr-2216	223	71	-0.021	-0.021	NOUN
asfbr-2216	223	72	(	(	PUNCT
asfbr-2216	223	73	0.000	0.000	NUM
asfbr-2216	223	74	)	)	PUNCT
asfbr-2216	223	75	-0.013	-0.013	PUNCT
asfbr-2216	223	76	(	(	PUNCT
asfbr-2216	223	77	0.000	0.000	NUM
asfbr-2216	223	78	)	)	PUNCT
asfbr-2216	223	79	0.003	0.003	NUM
asfbr-2216	223	80	(	(	PUNCT
asfbr-2216	223	81	0.000	0.000	NUM
asfbr-2216	223	82	)	)	PUNCT
asfbr-2216	223	83	0.006	0.006	NUM
asfbr-2216	223	84	(	(	PUNCT
asfbr-2216	223	85	0.000	0.000	NUM
asfbr-2216	223	86	)	)	PUNCT
asfbr-2216	223	87	0.019	0.019	NUM
asfbr-2216	223	88	(	(	PUNCT
asfbr-2216	223	89	0.000	0.000	NUM
asfbr-2216	223	90	)	)	PUNCT
asfbr-2216	223	91	-0.017	-0.017	X
asfbr-2216	223	92	(	(	PUNCT
asfbr-2216	223	93	0.000	0.000	NUM
asfbr-2216	223	94	)	)	PUNCT
asfbr-2216	223	95	-0.011	-0.011	NOUN
asfbr-2216	223	96	(	(	PUNCT
asfbr-2216	223	97	0.000	0.000	X
asfbr-2216	223	98	)	)	PUNCT
asfbr-2216	223	99	age	age	NOUN
asfbr-2216	223	100	0.000	0.000	NUM
asfbr-2216	223	101	(	(	PUNCT
asfbr-2216	223	102	0.000	0.000	NUM
asfbr-2216	223	103	)	)	PUNCT
asfbr-2216	223	104	0.001	0.001	NUM
asfbr-2216	223	105	(	(	PUNCT
asfbr-2216	223	106	0.000	0.000	NUM
asfbr-2216	223	107	)	)	PUNCT
asfbr-2216	223	108	0.002	0.002	NUM
asfbr-2216	223	109	(	(	PUNCT
asfbr-2216	223	110	0.000	0.000	NUM
asfbr-2216	223	111	)	)	PUNCT
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asfbr-2216	223	113	(	(	PUNCT
asfbr-2216	223	114	0.000	0.000	NUM
asfbr-2216	223	115	)	)	PUNCT
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asfbr-2216	223	117	(	(	PUNCT
asfbr-2216	223	118	0.000	0.000	NUM
asfbr-2216	223	119	)	)	PUNCT
asfbr-2216	223	120	0.000	0.000	NUM
asfbr-2216	223	121	(	(	PUNCT
asfbr-2216	223	122	0.000	0.000	NUM
asfbr-2216	223	123	)	)	PUNCT
asfbr-2216	223	124	0.001	0.001	NUM
asfbr-2216	223	125	(	(	PUNCT
asfbr-2216	223	126	0.000	0.000	NUM
asfbr-2216	223	127	)	)	PUNCT
asfbr-2216	223	128	0.002	0.002	NUM
asfbr-2216	223	129	(	(	PUNCT
asfbr-2216	223	130	0.000	0.000	NUM
asfbr-2216	223	131	)	)	PUNCT
asfbr-2216	223	132	-0.002	-0.002	PUNCT
asfbr-2216	223	133	(	(	PUNCT
asfbr-2216	223	134	0.000	0.000	NUM
asfbr-2216	223	135	)	)	PUNCT
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asfbr-2216	224	1	(	(	PUNCT
asfbr-2216	224	2	0.000	0.000	X
asfbr-2216	224	3	)	)	PUNCT
asfbr-2216	224	4	occupation	occupation	NOUN
asfbr-2216	224	5	0.003	0.003	NUM
asfbr-2216	224	6	(	(	PUNCT
asfbr-2216	224	7	0.000	0.000	NUM
asfbr-2216	224	8	)	)	PUNCT
asfbr-2216	224	9	0.005	0.005	NUM
asfbr-2216	224	10	(	(	PUNCT
asfbr-2216	224	11	0.000	0.000	NUM
asfbr-2216	224	12	)	)	PUNCT
asfbr-2216	224	13	0.016	0.016	NUM
asfbr-2216	224	14	(	(	PUNCT
asfbr-2216	224	15	0.000	0.000	NUM
asfbr-2216	224	16	)	)	PUNCT
asfbr-2216	224	17	-0.015	-0.015	PUNCT
asfbr-2216	224	18	(	(	PUNCT
asfbr-2216	224	19	0.000	0.000	NUM
asfbr-2216	224	20	)	)	PUNCT
asfbr-2216	224	21	-0.010	-0.010	PUNCT
asfbr-2216	224	22	(	(	PUNCT
asfbr-2216	224	23	0.000	0.000	NUM
asfbr-2216	224	24	)	)	PUNCT
asfbr-2216	224	25	0.004	0.004	NUM
asfbr-2216	224	26	(	(	PUNCT
asfbr-2216	224	27	0.000	0.000	NUM
asfbr-2216	224	28	)	)	PUNCT
asfbr-2216	224	29	0.007	0.007	NUM
asfbr-2216	224	30	(	(	PUNCT
asfbr-2216	224	31	0.000	0.000	NUM
asfbr-2216	224	32	)	)	PUNCT
asfbr-2216	224	33	0.023	0.023	NUM
asfbr-2216	224	34	(	(	PUNCT
asfbr-2216	224	35	0.000	0.000	NUM
asfbr-2216	224	36	)	)	PUNCT
asfbr-2216	224	37	-0.021	-0.021	NOUN
asfbr-2216	224	38	(	(	PUNCT
asfbr-2216	224	39	0.000	0.000	NUM
asfbr-2216	224	40	)	)	PUNCT
asfbr-2216	224	41	-0.013	-0.013	PUNCT
asfbr-2216	224	42	(	(	PUNCT
asfbr-2216	224	43	0.000	0.000	X
asfbr-2216	224	44	)	)	PUNCT
asfbr-2216	224	45	assets	asset	NOUN
asfbr-2216	224	46	0.001	0.001	NUM
asfbr-2216	224	47	(	(	PUNCT
asfbr-2216	224	48	0.000	0.000	NUM
asfbr-2216	224	49	)	)	PUNCT
asfbr-2216	224	50	0.002	0.002	NUM
asfbr-2216	224	51	(	(	PUNCT
asfbr-2216	224	52	0.000	0.000	NUM
asfbr-2216	224	53	)	)	PUNCT
asfbr-2216	224	54	0.004	0.004	NUM
asfbr-2216	224	55	(	(	PUNCT
asfbr-2216	224	56	0.000	0.000	NUM
asfbr-2216	224	57	)	)	PUNCT
asfbr-2216	224	58	-0.004	-0.004	PUNCT
asfbr-2216	224	59	(	(	PUNCT
asfbr-2216	224	60	0.000	0.000	NUM
asfbr-2216	224	61	)	)	PUNCT
asfbr-2216	224	62	-0.003	-0.003	NOUN
asfbr-2216	224	63	(	(	PUNCT
asfbr-2216	224	64	0.000	0.000	NUM
asfbr-2216	224	65	)	)	PUNCT
asfbr-2216	224	66	0.001	0.001	NUM
asfbr-2216	224	67	(	(	PUNCT
asfbr-2216	224	68	0.000	0.000	NUM
asfbr-2216	224	69	)	)	PUNCT
asfbr-2216	224	70	0.002	0.002	NUM
asfbr-2216	224	71	(	(	PUNCT
asfbr-2216	224	72	0.000	0.000	NUM
asfbr-2216	224	73	)	)	PUNCT
asfbr-2216	224	74	0.005	0.005	NUM
asfbr-2216	224	75	(	(	PUNCT
asfbr-2216	224	76	0.000	0.000	NUM
asfbr-2216	224	77	)	)	PUNCT
asfbr-2216	224	78	-0.004	-0.004	PUNCT
asfbr-2216	224	79	(	(	PUNCT
asfbr-2216	224	80	0.000	0.000	NUM
asfbr-2216	224	81	)	)	PUNCT
asfbr-2216	224	82	-0.003	-0.003	NOUN
asfbr-2216	224	83	(	(	PUNCT
asfbr-2216	224	84	0.000	0.000	NUM
asfbr-2216	224	85	)	)	PUNCT
asfbr-2216	224	86	literacy	literacy	NOUN
asfbr-2216	224	87	0.000	0.000	NUM
asfbr-2216	224	88	(	(	PUNCT
asfbr-2216	224	89	0.000	0.000	NUM
asfbr-2216	224	90	)	)	PUNCT
asfbr-2216	224	91	0.001	0.001	NUM
asfbr-2216	224	92	(	(	PUNCT
asfbr-2216	224	93	0.000	0.000	NUM
asfbr-2216	224	94	)	)	PUNCT
asfbr-2216	224	95	0.002	0.002	NUM
asfbr-2216	224	96	(	(	PUNCT
asfbr-2216	224	97	0.000	0.000	NUM
asfbr-2216	224	98	)	)	PUNCT
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asfbr-2216	224	100	(	(	PUNCT
asfbr-2216	224	101	0.000	0.000	NUM
asfbr-2216	224	102	)	)	PUNCT
asfbr-2216	224	103	-0.001	-0.001	PUNCT
asfbr-2216	224	104	(	(	PUNCT
asfbr-2216	224	105	0.000	0.000	NUM
asfbr-2216	224	106	)	)	PUNCT
asfbr-2216	224	107	0.000	0.000	NUM
asfbr-2216	224	108	(	(	PUNCT
asfbr-2216	224	109	0.000	0.000	NUM
asfbr-2216	224	110	)	)	PUNCT
asfbr-2216	224	111	0.000	0.000	NUM
asfbr-2216	224	112	(	(	PUNCT
asfbr-2216	224	113	0.000	0.000	NUM
asfbr-2216	224	114	)	)	PUNCT
asfbr-2216	224	115	0.002	0.002	NUM
asfbr-2216	224	116	(	(	PUNCT
asfbr-2216	224	117	0.000	0.000	NUM
asfbr-2216	224	118	)	)	PUNCT
asfbr-2216	224	119	-0.001	-0.001	PUNCT
asfbr-2216	224	120	(	(	PUNCT
asfbr-2216	224	121	0.000	0.000	NUM
asfbr-2216	224	122	)	)	PUNCT
asfbr-2216	224	123	-0.001	-0.001	PUNCT
asfbr-2216	225	1	(	(	PUNCT
asfbr-2216	225	2	0.000	0.000	X
asfbr-2216	225	3	)	)	PUNCT
asfbr-2216	225	4	hhi	hhi	NOUN
asfbr-2216	225	5	0.000	0.000	NUM
asfbr-2216	225	6	(	(	PUNCT
asfbr-2216	225	7	0.028	0.028	NUM
asfbr-2216	225	8	)	)	PUNCT
asfbr-2216	225	9	0.000	0.000	NUM
asfbr-2216	225	10	(	(	PUNCT
asfbr-2216	225	11	0.027	0.027	NUM
asfbr-2216	225	12	)	)	PUNCT
asfbr-2216	225	13	0.000	0.000	NUM
asfbr-2216	225	14	(	(	PUNCT
asfbr-2216	225	15	0.027	0.027	NUM
asfbr-2216	225	16	)	)	PUNCT
asfbr-2216	225	17	0.000	0.000	NUM
asfbr-2216	225	18	(	(	PUNCT
asfbr-2216	225	19	0.027	0.027	NUM
asfbr-2216	225	20	)	)	PUNCT
asfbr-2216	225	21	0.000	0.000	NUM
asfbr-2216	225	22	(	(	PUNCT
asfbr-2216	225	23	0.027	0.027	NUM
asfbr-2216	225	24	)	)	PUNCT
asfbr-2216	225	25	0.000	0.000	NUM
asfbr-2216	225	26	(	(	PUNCT
asfbr-2216	225	27	0.000	0.000	NUM
asfbr-2216	225	28	)	)	PUNCT
asfbr-2216	225	29	0.000	0.000	NUM
asfbr-2216	225	30	(	(	PUNCT
asfbr-2216	225	31	0.000	0.000	NUM
asfbr-2216	225	32	)	)	PUNCT
asfbr-2216	225	33	0.000	0.000	NUM
asfbr-2216	225	34	(	(	PUNCT
asfbr-2216	225	35	0.000	0.000	NUM
asfbr-2216	225	36	)	)	PUNCT
asfbr-2216	225	37	0.000	0.000	NUM
asfbr-2216	225	38	(	(	PUNCT
asfbr-2216	225	39	0.000	0.000	NUM
asfbr-2216	225	40	)	)	PUNCT
asfbr-2216	225	41	0.000	0.000	NUM
asfbr-2216	226	1	(	(	PUNCT
asfbr-2216	226	2	0.000	0.000	NUM
asfbr-2216	226	3	)	)	PUNCT
asfbr-2216	226	4	shr	shr	PROPN
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asfbr-2216	226	6	(	(	PUNCT
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asfbr-2216	226	8	)	)	PUNCT
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asfbr-2216	226	10	(	(	PUNCT
asfbr-2216	226	11	0.914	0.914	NUM
asfbr-2216	226	12	)	)	PUNCT
asfbr-2216	226	13	0.000	0.000	NUM
asfbr-2216	226	14	(	(	PUNCT
asfbr-2216	226	15	0.914	0.914	NUM
asfbr-2216	226	16	)	)	PUNCT
asfbr-2216	226	17	0.000	0.000	NUM
asfbr-2216	226	18	(	(	PUNCT
asfbr-2216	226	19	0.914	0.914	NUM
asfbr-2216	226	20	)	)	PUNCT
asfbr-2216	226	21	0.000	0.000	NUM
asfbr-2216	226	22	(	(	PUNCT
asfbr-2216	226	23	0.914	0.914	NUM
asfbr-2216	226	24	)	)	PUNCT
asfbr-2216	226	25	0.000	0.000	NUM
asfbr-2216	226	26	(	(	PUNCT
asfbr-2216	226	27	0.026	0.026	NUM
asfbr-2216	226	28	)	)	PUNCT
asfbr-2216	226	29	0.000	0.000	NUM
asfbr-2216	226	30	(	(	PUNCT
asfbr-2216	226	31	0.026	0.026	NUM
asfbr-2216	226	32	)	)	PUNCT
asfbr-2216	226	33	0.000	0.000	NUM
asfbr-2216	226	34	(	(	PUNCT
asfbr-2216	226	35	0.026	0.026	NUM
asfbr-2216	226	36	)	)	PUNCT
asfbr-2216	226	37	0.000	0.000	NUM
asfbr-2216	226	38	(	(	PUNCT
asfbr-2216	226	39	0.026	0.026	NUM
asfbr-2216	226	40	)	)	PUNCT
asfbr-2216	226	41	0.000	0.000	NUM
asfbr-2216	226	42	(	(	PUNCT
asfbr-2216	226	43	0.026	0.026	NUM
asfbr-2216	226	44	)	)	PUNCT
asfbr-2216	226	45	staff	staff	NOUN
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asfbr-2216	226	47	(	(	PUNCT
asfbr-2216	226	48	0.000	0.000	NUM
asfbr-2216	226	49	)	)	PUNCT
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asfbr-2216	226	51	(	(	PUNCT
asfbr-2216	226	52	0.000	0.000	NUM
asfbr-2216	226	53	)	)	PUNCT
asfbr-2216	226	54	-0.072	-0.072	NOUN
asfbr-2216	226	55	(	(	PUNCT
asfbr-2216	226	56	0.000	0.000	NUM
asfbr-2216	226	57	)	)	PUNCT
asfbr-2216	226	58	0.067	0.067	NUM
asfbr-2216	226	59	(	(	PUNCT
asfbr-2216	226	60	0.000	0.000	NUM
asfbr-2216	226	61	)	)	PUNCT
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asfbr-2216	226	63	(	(	PUNCT
asfbr-2216	226	64	0.000	0.000	NUM
asfbr-2216	226	65	)	)	PUNCT
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asfbr-2216	226	67	(	(	PUNCT
asfbr-2216	226	68	0.000	0.000	NUM
asfbr-2216	226	69	)	)	PUNCT
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asfbr-2216	226	71	(	(	PUNCT
asfbr-2216	226	72	0.000	0.000	NUM
asfbr-2216	226	73	)	)	PUNCT
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asfbr-2216	226	75	(	(	PUNCT
asfbr-2216	226	76	0.000	0.000	NUM
asfbr-2216	226	77	)	)	PUNCT
asfbr-2216	226	78	0.071	0.071	NUM
asfbr-2216	226	79	(	(	PUNCT
asfbr-2216	226	80	0.000	0.000	NUM
asfbr-2216	226	81	)	)	PUNCT
asfbr-2216	226	82	0.045	0.045	NUM
asfbr-2216	226	83	(	(	PUNCT
asfbr-2216	226	84	0.000	0.000	NUM
asfbr-2216	226	85	)	)	PUNCT
asfbr-2216	226	86	callcenter	callcenter	NOUN
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asfbr-2216	226	88	(	(	PUNCT
asfbr-2216	226	89	0.000	0.000	NUM
asfbr-2216	226	90	)	)	PUNCT
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asfbr-2216	226	92	(	(	PUNCT
asfbr-2216	226	93	0.000	0.000	NUM
asfbr-2216	226	94	)	)	PUNCT
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asfbr-2216	227	2	0.000	0.000	NUM
asfbr-2216	227	3	)	)	PUNCT
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asfbr-2216	227	5	(	(	PUNCT
asfbr-2216	227	6	0.000	0.000	NUM
asfbr-2216	227	7	)	)	PUNCT
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asfbr-2216	227	9	(	(	PUNCT
asfbr-2216	227	10	0.000	0.000	NUM
asfbr-2216	227	11	)	)	PUNCT
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asfbr-2216	227	13	(	(	PUNCT
asfbr-2216	227	14	0.000	0.000	NUM
asfbr-2216	227	15	)	)	PUNCT
asfbr-2216	227	16	-0.017	-0.017	X
asfbr-2216	227	17	(	(	PUNCT
asfbr-2216	227	18	0.000	0.000	NUM
asfbr-2216	227	19	)	)	PUNCT
asfbr-2216	227	20	-0.052	-0.052	PROPN
asfbr-2216	227	21	(	(	PUNCT
asfbr-2216	227	22	0.000	0.000	NUM
asfbr-2216	227	23	)	)	PUNCT
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asfbr-2216	227	25	(	(	PUNCT
asfbr-2216	227	26	0.000	0.000	NUM
asfbr-2216	227	27	)	)	PUNCT
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asfbr-2216	227	29	(	(	PUNCT
asfbr-2216	227	30	0.000	0.000	NUM
asfbr-2216	227	31	)	)	PUNCT
asfbr-2216	227	32	website	website	NOUN
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asfbr-2216	227	34	(	(	PUNCT
asfbr-2216	227	35	0.000	0.000	NUM
asfbr-2216	227	36	)	)	PUNCT
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asfbr-2216	227	38	(	(	PUNCT
asfbr-2216	227	39	0.000	0.000	NUM
asfbr-2216	227	40	)	)	PUNCT
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asfbr-2216	227	42	(	(	PUNCT
asfbr-2216	227	43	0.000	0.000	NUM
asfbr-2216	227	44	)	)	PUNCT
asfbr-2216	227	45	0.039	0.039	NUM
asfbr-2216	227	46	(	(	PUNCT
asfbr-2216	227	47	0.000	0.000	NUM
asfbr-2216	227	48	)	)	PUNCT
asfbr-2216	227	49	0.025	0.025	NUM
asfbr-2216	227	50	(	(	PUNCT
asfbr-2216	227	51	0.000	0.000	NUM
asfbr-2216	227	52	)	)	PUNCT
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asfbr-2216	227	54	(	(	PUNCT
asfbr-2216	227	55	0.000	0.000	NUM
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asfbr-2216	227	72	)	)	PUNCT
asfbr-2216	227	73	events	event	NOUN
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asfbr-2216	227	76	0.014	0.014	NUM
asfbr-2216	227	77	)	)	PUNCT
asfbr-2216	227	78	-0.009	-0.009	X
asfbr-2216	227	79	(	(	PUNCT
asfbr-2216	227	80	0.014	0.014	NUM
asfbr-2216	227	81	)	)	PUNCT
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asfbr-2216	227	85	)	)	PUNCT
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asfbr-2216	227	88	0.014	0.014	NUM
asfbr-2216	227	89	)	)	PUNCT
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asfbr-2216	227	92	0.014	0.014	NUM
asfbr-2216	227	93	)	)	PUNCT
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asfbr-2216	227	96	0.140	0.140	NUM
asfbr-2216	227	97	)	)	PUNCT
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asfbr-2216	227	100	0.140	0.140	NUM
asfbr-2216	227	101	)	)	PUNCT
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asfbr-2216	227	104	0.140	0.140	NUM
asfbr-2216	227	105	)	)	PUNCT
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asfbr-2216	227	108	0.140	0.140	NUM
asfbr-2216	227	109	)	)	PUNCT
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asfbr-2216	227	112	0.140	0.140	NUM
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asfbr-2216	227	118	)	)	PUNCT
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asfbr-2216	227	126	)	)	PUNCT
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asfbr-2216	227	129	0.567	0.567	NUM
asfbr-2216	227	130	)	)	PUNCT
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asfbr-2216	227	138	)	)	PUNCT
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asfbr-2216	227	141	0.255	0.255	NUM
asfbr-2216	227	142	)	)	PUNCT
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asfbr-2216	227	150	)	)	PUNCT
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asfbr-2216	227	154	)	)	PUNCT
asfbr-2216	227	155	pop	pop	NOUN
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asfbr-2216	227	161	)	)	PUNCT
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asfbr-2216	227	165	)	)	PUNCT
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asfbr-2216	227	169	)	)	PUNCT
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asfbr-2216	227	173	)	)	PUNCT
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asfbr-2216	227	177	)	)	PUNCT
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asfbr-2216	227	181	)	)	PUNCT
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asfbr-2216	227	185	)	)	PUNCT
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asfbr-2216	227	189	)	)	PUNCT
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asfbr-2216	227	192	0.490	0.490	NUM
asfbr-2216	227	193	)	)	PUNCT
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asfbr-2216	227	197	)	)	PUNCT
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asfbr-2216	227	206	)	)	PUNCT
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asfbr-2216	227	218	)	)	PUNCT
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asfbr-2216	227	226	)	)	PUNCT
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asfbr-2216	227	234	)	)	PUNCT
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asfbr-2216	227	238	)	)	PUNCT
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asfbr-2216	227	259	)	)	PUNCT
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asfbr-2216	227	267	)	)	PUNCT
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asfbr-2216	227	275	)	)	PUNCT
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asfbr-2216	227	278	0.000	0.000	X
asfbr-2216	227	279	)	)	PUNCT
asfbr-2216	227	280	deposits	deposit	NOUN
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asfbr-2216	227	292	)	)	PUNCT
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asfbr-2216	227	300	)	)	PUNCT
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asfbr-2216	228	3	)	)	PUNCT
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asfbr-2216	228	5	(	(	PUNCT
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asfbr-2216	228	7	)	)	PUNCT
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asfbr-2216	228	17	(	(	PUNCT
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asfbr-2216	228	19	)	)	PUNCT
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asfbr-2216	228	32	)	)	PUNCT
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asfbr-2216	228	36	)	)	PUNCT
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asfbr-2216	228	38	(	(	PUNCT
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asfbr-2216	228	40	)	)	PUNCT
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asfbr-2216	228	42	(	(	PUNCT
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asfbr-2216	228	46	(	(	PUNCT
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asfbr-2216	228	52	)	)	PUNCT
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asfbr-2216	228	58	(	(	PUNCT
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asfbr-2216	228	99	(	(	PUNCT
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asfbr-2216	228	101	)	)	PUNCT
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asfbr-2216	229	10	0.000	0.000	NUM
asfbr-2216	229	11	)	)	PUNCT
asfbr-2216	229	12	0.026	0.026	NUM
asfbr-2216	229	13	(	(	PUNCT
asfbr-2216	229	14	0.000	0.000	NUM
asfbr-2216	229	15	)	)	PUNCT
asfbr-2216	229	16	0.016	0.016	NUM
asfbr-2216	229	17	(	(	PUNCT
asfbr-2216	229	18	0.000	0.000	NUM
asfbr-2216	229	19	)	)	PUNCT
asfbr-2216	229	20	note	note	NOUN
asfbr-2216	229	21	.	.	PUNCT
asfbr-2216	230	1	values	value	NOUN
asfbr-2216	230	2	in	in	ADP
asfbr-2216	230	3	parentheses	parenthesis	NOUN
asfbr-2216	230	4	are	be	AUX
asfbr-2216	230	5	p	p	NOUN
asfbr-2216	230	6	-	-	PUNCT
asfbr-2216	230	7	values	value	NOUN
asfbr-2216	230	8	.	.	PUNCT
asfbr-2216	231	1	the	the	DET
asfbr-2216	231	2	results	result	NOUN
asfbr-2216	231	3	for	for	ADP
asfbr-2216	231	4	satisfaction	satisfaction	NOUN
asfbr-2216	231	5	of	of	ADP
asfbr-2216	231	6	customers	customer	NOUN
asfbr-2216	231	7	holding	hold	VERB
asfbr-2216	231	8	investment	investment	NOUN
asfbr-2216	231	9	-	-	PUNCT
asfbr-2216	231	10	related	relate	VERB
asfbr-2216	231	11	products	product	NOUN
asfbr-2216	231	12	.	.	PUNCT
asfbr-2216	232	1	for	for	ADP
asfbr-2216	232	2	japanese	japanese	ADJ
asfbr-2216	232	3	regional	regional	ADJ
asfbr-2216	232	4	banks	bank	NOUN
asfbr-2216	232	5	,	,	PUNCT
asfbr-2216	232	6	the	the	DET
asfbr-2216	232	7	provision	provision	NOUN
asfbr-2216	232	8	of	of	ADP
asfbr-2216	232	9	retail	retail	ADJ
asfbr-2216	232	10	financial	financial	ADJ
asfbr-2216	232	11	services	service	NOUN
asfbr-2216	232	12	,	,	PUNCT
asfbr-2216	232	13	particularly	particularly	ADV
asfbr-2216	232	14	in	in	ADP
asfbr-2216	232	15	deposit	deposit	NOUN
asfbr-2216	232	16	-	-	PUNCT
asfbr-2216	232	17	taking	taking	NOUN
asfbr-2216	232	18	and	and	CCONJ
asfbr-2216	232	19	settlement	settlement	NOUN
asfbr-2216	232	20	,	,	PUNCT
asfbr-2216	232	21	represents	represent	VERB
asfbr-2216	232	22	a	a	DET
asfbr-2216	232	23	long	long	ADV
asfbr-2216	232	24	-	-	PUNCT
asfbr-2216	232	25	standing	stand	VERB
asfbr-2216	232	26	and	and	CCONJ
asfbr-2216	232	27	historically	historically	ADV
asfbr-2216	232	28	significant	significant	ADJ
asfbr-2216	232	29	aspect	aspect	NOUN
asfbr-2216	232	30	of	of	ADP
asfbr-2216	232	31	their	their	PRON
asfbr-2216	232	32	business	business	NOUN
asfbr-2216	232	33	.	.	PUNCT
asfbr-2216	233	1	however	however	ADV
asfbr-2216	233	2	,	,	PUNCT
asfbr-2216	233	3	these	these	DET
asfbr-2216	233	4	services	service	NOUN
asfbr-2216	233	5	have	have	AUX
asfbr-2216	233	6	traditionally	traditionally	ADV
asfbr-2216	233	7	been	be	AUX
asfbr-2216	233	8	characterized	characterize	VERB
asfbr-2216	233	9	by	by	ADP
asfbr-2216	233	10	low	low	ADJ
asfbr-2216	233	11	profitability	profitability	NOUN
asfbr-2216	233	12	and	and	CCONJ
asfbr-2216	233	13	a	a	DET
asfbr-2216	233	14	high	high	ADJ
asfbr-2216	233	15	degree	degree	NOUN
asfbr-2216	233	16	of	of	ADP
asfbr-2216	233	17	competitive	competitive	ADJ
asfbr-2216	233	18	intensity	intensity	NOUN
asfbr-2216	233	19	.	.	PUNCT
asfbr-2216	234	1	the	the	DET
asfbr-2216	234	2	preceding	precede	VERB
asfbr-2216	234	3	analysis	analysis	NOUN
asfbr-2216	234	4	indicates	indicate	VERB
asfbr-2216	234	5	that	that	SCONJ
asfbr-2216	234	6	the	the	DET
asfbr-2216	234	7	satisfaction	satisfaction	NOUN
asfbr-2216	234	8	levels	level	NOUN
asfbr-2216	234	9	of	of	ADP
asfbr-2216	234	10	customers	customer	NOUN
asfbr-2216	234	11	of	of	ADP
asfbr-2216	234	12	the	the	DET
asfbr-2216	234	13	same	same	ADJ
asfbr-2216	234	14	regional	regional	ADJ
asfbr-2216	234	15	bank	bank	NOUN
asfbr-2216	234	16	who	who	PRON
asfbr-2216	234	17	utilize	utilize	VERB
asfbr-2216	234	18	only	only	ADV
asfbr-2216	234	19	traditional	traditional	ADJ
asfbr-2216	234	20	deposit	deposit	NOUN
asfbr-2216	234	21	and	and	CCONJ
asfbr-2216	234	22	payment	payment	NOUN
asfbr-2216	234	23	services	service	NOUN
asfbr-2216	234	24	will	will	AUX
asfbr-2216	234	25	differ	differ	VERB
asfbr-2216	234	26	from	from	ADP
asfbr-2216	234	27	those	those	PRON
asfbr-2216	234	28	of	of	ADP
asfbr-2216	234	29	customers	customer	NOUN
asfbr-2216	234	30	who	who	PRON
asfbr-2216	234	31	purchase	purchase	VERB
asfbr-2216	234	32	investment	investment	NOUN
asfbr-2216	234	33	-	-	PUNCT
asfbr-2216	234	34	related	relate	VERB
asfbr-2216	234	35	products	product	NOUN
asfbr-2216	234	36	through	through	ADP
asfbr-2216	234	37	the	the	DET
asfbr-2216	234	38	regional	regional	PROPN
asfbr-2216	234	39	bank	bank	NOUN
asfbr-2216	234	40	's	's	PART
asfbr-2216	234	41	channels	channel	NOUN
asfbr-2216	234	42	.	.	PUNCT
asfbr-2216	235	1	since	since	SCONJ
asfbr-2216	235	2	customer	customer	NOUN
asfbr-2216	235	3	satisfaction	satisfaction	NOUN
asfbr-2216	235	4	and	and	CCONJ
asfbr-2216	235	5	loyalty	loyalty	NOUN
asfbr-2216	235	6	have	have	AUX
asfbr-2216	235	7	become	become	VERB
asfbr-2216	235	8	increasingly	increasingly	ADV
asfbr-2216	235	9	important	important	ADJ
asfbr-2216	235	10	for	for	ADP
asfbr-2216	235	11	these	these	DET
asfbr-2216	235	12	products	product	NOUN
asfbr-2216	235	13	,	,	PUNCT
asfbr-2216	235	14	this	this	DET
asfbr-2216	235	15	section	section	NOUN
asfbr-2216	235	16	will	will	AUX
asfbr-2216	235	17	focus	focus	VERB
asfbr-2216	235	18	on	on	ADP
asfbr-2216	235	19	investment	investment	NOUN
asfbr-2216	235	20	-	-	PUNCT
asfbr-2216	235	21	related	relate	VERB
asfbr-2216	235	22	products	product	NOUN
asfbr-2216	235	23	.	.	PUNCT
asfbr-2216	236	1	the	the	DET
asfbr-2216	236	2	estimation	estimation	NOUN
asfbr-2216	236	3	results	result	VERB
asfbr-2216	236	4	,	,	PUNCT
asfbr-2216	236	5	as	as	SCONJ
asfbr-2216	236	6	presented	present	VERB
asfbr-2216	236	7	in	in	ADP
asfbr-2216	236	8	table	table	NOUN
asfbr-2216	236	9	6	6	NUM
asfbr-2216	236	10	,	,	PUNCT
asfbr-2216	236	11	indicate	indicate	VERB
asfbr-2216	236	12	that	that	SCONJ
asfbr-2216	236	13	in	in	ADP
asfbr-2216	236	14	both	both	CCONJ
asfbr-2216	236	15	the	the	DET
asfbr-2216	236	16	2019	2019	NUM
asfbr-2216	236	17	and	and	CCONJ
asfbr-2216	236	18	2020	2020	NUM
asfbr-2216	236	19	estimates	estimate	NOUN
asfbr-2216	236	20	,	,	PUNCT
asfbr-2216	236	21	statistically	statistically	ADV
asfbr-2216	236	22	significant	significant	ADJ
asfbr-2216	236	23	values	value	NOUN
asfbr-2216	236	24	were	be	AUX
asfbr-2216	236	25	also	also	ADV
asfbr-2216	236	26	observed	observe	VERB
asfbr-2216	236	27	for	for	ADP
asfbr-2216	236	28	customers	customer	NOUN
asfbr-2216	236	29	holding	hold	VERB
asfbr-2216	236	30	investment	investment	NOUN
asfbr-2216	236	31	-	-	PUNCT
asfbr-2216	236	32	related	relate	VERB
asfbr-2216	236	33	products	product	NOUN
asfbr-2216	236	34	.	.	PUNCT
asfbr-2216	237	1	this	this	DET
asfbr-2216	237	2	result	result	NOUN
asfbr-2216	237	3	is	be	AUX
asfbr-2216	237	4	a	a	DET
asfbr-2216	237	5	specific	specific	ADJ
asfbr-2216	237	6	variable	variable	NOUN
asfbr-2216	237	7	that	that	PRON
asfbr-2216	237	8	is	be	AUX
asfbr-2216	237	9	required	require	VERB
asfbr-2216	237	10	when	when	SCONJ
asfbr-2216	237	11	increasing	increase	VERB
asfbr-2216	237	12	customer	customer	NOUN
asfbr-2216	237	13	satisfaction	satisfaction	NOUN
asfbr-2216	237	14	.	.	PUNCT
asfbr-2216	238	1	the	the	DET
asfbr-2216	238	2	significance	significance	NOUN
asfbr-2216	238	3	of	of	ADP
asfbr-2216	238	4	financial	financial	ADJ
asfbr-2216	238	5	assets	asset	NOUN
asfbr-2216	238	6	(	(	PUNCT
asfbr-2216	238	7	assets	asset	NOUN
asfbr-2216	238	8	)	)	PUNCT
asfbr-2216	238	9	in	in	ADP
asfbr-2216	238	10	the	the	DET
asfbr-2216	238	11	overall	overall	ADJ
asfbr-2216	238	12	estimation	estimation	NOUN
asfbr-2216	238	13	has	have	AUX
asfbr-2216	238	14	been	be	AUX
asfbr-2216	238	15	eliminated	eliminate	VERB
asfbr-2216	238	16	in	in	ADP
asfbr-2216	238	17	these	these	DET
asfbr-2216	238	18	estimation	estimation	NOUN
asfbr-2216	238	19	results	result	NOUN
asfbr-2216	238	20	.	.	PUNCT
asfbr-2216	239	1	conversely	conversely	ADV
asfbr-2216	239	2	,	,	PUNCT
asfbr-2216	239	3	the	the	DET
asfbr-2216	239	4	financial	financial	ADJ
asfbr-2216	239	5	literacy	literacy	NOUN
asfbr-2216	239	6	scores	score	NOUN
asfbr-2216	239	7	of	of	ADP
asfbr-2216	239	8	customers	customer	NOUN
asfbr-2216	239	9	are	be	AUX
asfbr-2216	239	10	positive	positive	ADJ
asfbr-2216	239	11	and	and	CCONJ
asfbr-2216	239	12	both	both	CCONJ
asfbr-2216	239	13	significant	significant	ADJ
asfbr-2216	239	14	(	(	PUNCT
asfbr-2216	239	15	p	p	X
asfbr-2216	239	16	<	<	X
asfbr-2216	239	17	0.05	0.05	NUM
asfbr-2216	239	18	)	)	PUNCT
asfbr-2216	239	19	,	,	PUNCT
asfbr-2216	239	20	exerting	exert	VERB
asfbr-2216	239	21	an	an	DET
asfbr-2216	239	22	impact	impact	NOUN
asfbr-2216	239	23	on	on	ADP
asfbr-2216	239	24	customer	customer	NOUN
asfbr-2216	239	25	satisfaction	satisfaction	NOUN
asfbr-2216	239	26	with	with	ADP
asfbr-2216	239	27	their	their	PRON
asfbr-2216	239	28	regional	regional	ADJ
asfbr-2216	239	29	bank	bank	NOUN
asfbr-2216	239	30	.	.	PUNCT
asfbr-2216	240	1	next	next	ADV
asfbr-2216	240	2	,	,	PUNCT
asfbr-2216	240	3	an	an	DET
asfbr-2216	240	4	examination	examination	NOUN
asfbr-2216	240	5	of	of	ADP
asfbr-2216	240	6	the	the	DET
asfbr-2216	240	7	competitive	competitive	ADJ
asfbr-2216	240	8	landscape	landscape	NOUN
asfbr-2216	240	9	among	among	ADP
asfbr-2216	240	10	banks	bank	NOUN
asfbr-2216	240	11	reveals	reveal	VERB
asfbr-2216	240	12	that	that	SCONJ
asfbr-2216	240	13	the	the	DET
asfbr-2216	240	14	oligopoly	oligopoly	PROPN
asfbr-2216	240	15	herfindahl	herfindahl	NOUN
asfbr-2216	240	16	-	-	PUNCT
asfbr-2216	240	17	hirschman	hirschman	NOUN
asfbr-2216	240	18	index	index	NOUN
asfbr-2216	240	19	(	(	PUNCT
asfbr-2216	240	20	hhi	hhi	NOUN
asfbr-2216	240	21	)	)	PUNCT
asfbr-2216	240	22	exerts	exert	VERB
asfbr-2216	240	23	a	a	DET
asfbr-2216	240	24	positive	positive	ADJ
asfbr-2216	240	25	and	and	CCONJ
asfbr-2216	240	26	significant	significant	ADJ
asfbr-2216	240	27	(	(	PUNCT
asfbr-2216	240	28	p	p	X
asfbr-2216	240	29	<	<	X
asfbr-2216	240	30	0.05	0.05	NUM
asfbr-2216	240	31	)	)	PUNCT
asfbr-2216	240	32	influence	influence	NOUN
asfbr-2216	240	33	on	on	ADP
asfbr-2216	240	34	customer	customer	NOUN
asfbr-2216	240	35	satisfaction	satisfaction	NOUN
asfbr-2216	240	36	in	in	ADP
asfbr-2216	240	37	2019	2019	NUM
asfbr-2216	240	38	.	.	PUNCT
asfbr-2216	241	1	however	however	ADV
asfbr-2216	241	2	,	,	PUNCT
asfbr-2216	241	3	this	this	DET
asfbr-2216	241	4	impact	impact	NOUN
asfbr-2216	241	5	has	have	VERB
asfbr-2216	241	6	yet	yet	ADV
asfbr-2216	241	7	to	to	PART
asfbr-2216	241	8	be	be	AUX
asfbr-2216	241	9	evident	evident	ADJ
asfbr-2216	241	10	in	in	ADP
asfbr-2216	241	11	the	the	DET
asfbr-2216	241	12	2020	2020	NUM
asfbr-2216	241	13	estimates	estimate	NOUN
asfbr-2216	241	14	.	.	PUNCT
asfbr-2216	242	1	in	in	ADP
asfbr-2216	242	2	contrast	contrast	NOUN
asfbr-2216	242	3	to	to	ADP
asfbr-2216	242	4	deposit	deposit	VERB
asfbr-2216	242	5	settlement	settlement	NOUN
asfbr-2216	242	6	services	service	NOUN
asfbr-2216	242	7	,	,	PUNCT
asfbr-2216	242	8	the	the	DET
asfbr-2216	242	9	services	service	NOUN
asfbr-2216	242	10	offered	offer	VERB
asfbr-2216	242	11	by	by	ADP
asfbr-2216	242	12	regional	regional	ADJ
asfbr-2216	242	13	banks	bank	NOUN
asfbr-2216	242	14	for	for	ADP
asfbr-2216	242	15	investment	investment	NOUN
asfbr-2216	242	16	-	-	PUNCT
asfbr-2216	242	17	related	relate	VERB
asfbr-2216	242	18	products	product	NOUN
asfbr-2216	242	19	are	be	AUX
asfbr-2216	242	20	of	of	ADP
asfbr-2216	242	21	critical	critical	ADJ
asfbr-2216	242	22	importance	importance	NOUN
asfbr-2216	242	23	.	.	PUNCT
asfbr-2216	243	1	however	however	ADV
asfbr-2216	243	2	,	,	PUNCT
asfbr-2216	243	3	in	in	ADP
asfbr-2216	243	4	2020	2020	NUM
asfbr-2216	243	5	,	,	PUNCT
asfbr-2216	243	6	due	due	ADP
asfbr-2216	243	7	to	to	ADP
asfbr-2216	243	8	the	the	DET
asfbr-2216	243	9	impact	impact	NOUN
asfbr-2216	243	10	of	of	ADP
asfbr-2216	243	11	the	the	DET
asfbr-2216	243	12	spread	spread	NOUN
asfbr-2216	243	13	of	of	ADP
asfbr-2216	243	14	the	the	DET
asfbr-2216	243	15	novel	novel	ADJ
asfbr-2216	243	16	coronavirus	coronavirus	NOUN
asfbr-2216	243	17	,	,	PUNCT
asfbr-2216	243	18	banks	bank	NOUN
asfbr-2216	243	19	were	be	AUX
asfbr-2216	243	20	likely	likely	ADJ
asfbr-2216	243	21	to	to	PART
asfbr-2216	243	22	have	have	AUX
asfbr-2216	243	23	encountered	encounter	VERB
asfbr-2216	243	24	difficulties	difficulty	NOUN
asfbr-2216	243	25	in	in	ADP
asfbr-2216	243	26	their	their	PRON
asfbr-2216	243	27	sales	sale	NOUN
asfbr-2216	243	28	activities	activity	NOUN
asfbr-2216	243	29	,	,	PUNCT
asfbr-2216	243	30	and	and	CCONJ
asfbr-2216	243	31	human	human	ADJ
asfbr-2216	243	32	contact	contact	NOUN
asfbr-2216	243	33	with	with	ADP
asfbr-2216	243	34	customers	customer	NOUN
asfbr-2216	243	35	could	could	AUX
asfbr-2216	243	36	have	have	AUX
asfbr-2216	243	37	been	be	AUX
asfbr-2216	243	38	more	more	ADV
asfbr-2216	243	39	extensive	extensive	ADJ
asfbr-2216	243	40	.	.	PUNCT
asfbr-2216	244	1	this	this	DET
asfbr-2216	244	2	result	result	NOUN
asfbr-2216	244	3	indicates	indicate	VERB
asfbr-2216	244	4	that	that	SCONJ
asfbr-2216	244	5	the	the	DET
asfbr-2216	244	6	effect	effect	NOUN
asfbr-2216	244	7	on	on	ADP
asfbr-2216	244	8	customer	customer	NOUN
asfbr-2216	244	9	satisfaction	satisfaction	NOUN
asfbr-2216	244	10	is	be	AUX
asfbr-2216	244	11	no	no	ADV
asfbr-2216	244	12	longer	long	ADV
asfbr-2216	244	13	significant	significant	ADJ
asfbr-2216	244	14	.	.	PUNCT
asfbr-2216	245	1	about	about	ADP
asfbr-2216	245	2	the	the	DET
asfbr-2216	245	3	remaining	remain	VERB
asfbr-2216	245	4	socio	socio	NOUN
asfbr-2216	245	5	-	-	ADJ
asfbr-2216	245	6	demographic	demographic	ADJ
asfbr-2216	245	7	variables	variable	NOUN
asfbr-2216	245	8	,	,	PUNCT
asfbr-2216	245	9	only	only	ADV
asfbr-2216	245	10	age	age	NOUN
asfbr-2216	245	11	(	(	PUNCT
asfbr-2216	245	12	age	age	NOUN
asfbr-2216	245	13	)	)	PUNCT
asfbr-2216	245	14	exhibited	exhibit	VERB
asfbr-2216	245	15	a	a	DET
asfbr-2216	245	16	statistically	statistically	ADV
asfbr-2216	245	17	significant	significant	ADJ
asfbr-2216	245	18	(	(	PUNCT
asfbr-2216	245	19	p	p	X
asfbr-2216	245	20	<	<	X
asfbr-2216	245	21	0.05	0.05	NUM
asfbr-2216	245	22	)	)	PUNCT
asfbr-2216	245	23	impact	impact	NOUN
asfbr-2216	245	24	on	on	ADP
asfbr-2216	245	25	customer	customer	NOUN
asfbr-2216	245	26	satisfaction	satisfaction	NOUN
asfbr-2216	245	27	in	in	ADP
asfbr-2216	245	28	both	both	CCONJ
asfbr-2216	245	29	the	the	DET
asfbr-2216	245	30	2019	2019	NUM
asfbr-2216	245	31	and	and	CCONJ
asfbr-2216	245	32	2020	2020	NUM
asfbr-2216	245	33	estimates	estimate	NOUN
asfbr-2216	245	34	,	,	PUNCT
asfbr-2216	245	35	while	while	SCONJ
asfbr-2216	245	36	the	the	DET
asfbr-2216	245	37	other	other	ADJ
asfbr-2216	245	38	variables	variable	NOUN
asfbr-2216	245	39	were	be	AUX
asfbr-2216	245	40	not	not	PART
asfbr-2216	245	41	found	find	VERB
asfbr-2216	245	42	to	to	PART
asfbr-2216	245	43	be	be	AUX
asfbr-2216	245	44	significant	significant	ADJ
asfbr-2216	245	45	.	.	PUNCT
asfbr-2216	246	1	in	in	ADP
asfbr-2216	246	2	other	other	ADJ
asfbr-2216	246	3	words	word	NOUN
asfbr-2216	246	4	,	,	PUNCT
asfbr-2216	246	5	the	the	DET
asfbr-2216	246	6	results	result	NOUN
asfbr-2216	246	7	indicated	indicate	VERB
asfbr-2216	246	8	that	that	SCONJ
asfbr-2216	246	9	younger	young	ADJ
asfbr-2216	246	10	customers	customer	NOUN
asfbr-2216	246	11	tend	tend	VERB
asfbr-2216	246	12	to	to	PART
asfbr-2216	246	13	be	be	AUX
asfbr-2216	246	14	more	more	ADV
asfbr-2216	246	15	satisfied	satisfied	ADJ
asfbr-2216	246	16	with	with	ADP
asfbr-2216	246	17	investment	investment	NOUN
asfbr-2216	246	18	-	-	PUNCT
asfbr-2216	246	19	related	relate	VERB
asfbr-2216	246	20	products	product	NOUN
asfbr-2216	246	21	than	than	ADP
asfbr-2216	246	22	older	old	ADJ
asfbr-2216	246	23	customers	customer	NOUN
asfbr-2216	246	24	in	in	ADP
asfbr-2216	246	25	terms	term	NOUN
asfbr-2216	246	26	of	of	ADP
asfbr-2216	246	27	age	age	NOUN
asfbr-2216	246	28	.	.	PUNCT
asfbr-2216	247	1	mori	mori	PROPN
asfbr-2216	247	2	et	et	PROPN
asfbr-2216	247	3	al	al	PROPN
asfbr-2216	247	4	.	.	PROPN
asfbr-2216	247	5	,	,	PUNCT
asfbr-2216	247	6	asian	asian	PROPN
asfbr-2216	247	7	finance	finance	PROPN
asfbr-2216	247	8	&	&	CCONJ
asfbr-2216	247	9	banking	banking	PROPN
asfbr-2216	247	10	review	review	NOUN
asfbr-2216	247	11	8(1	8(1	NOUN
asfbr-2216	247	12	)	)	PUNCT
asfbr-2216	247	13	(	(	PUNCT
asfbr-2216	247	14	2024	2024	NUM
asfbr-2216	247	15	)	)	PUNCT
asfbr-2216	247	16	,	,	PUNCT
asfbr-2216	247	17	1	1	NUM
asfbr-2216	247	18	-	-	SYM
asfbr-2216	247	19	12	12	NUM
asfbr-2216	247	20	8	8	NUM
asfbr-2216	247	21	table	table	NOUN
asfbr-2216	247	22	6	6	NUM
asfbr-2216	247	23	.	.	PUNCT
asfbr-2216	247	24	ordered	order	VERB
asfbr-2216	247	25	logistic	logistic	ADJ
asfbr-2216	247	26	regression	regression	NOUN
asfbr-2216	247	27	results	result	NOUN
asfbr-2216	247	28	of	of	ADP
asfbr-2216	247	29	customer	customer	NOUN
asfbr-2216	247	30	satisfaction	satisfaction	NOUN
asfbr-2216	247	31	with	with	ADP
asfbr-2216	247	32	investment	investment	NOUN
asfbr-2216	247	33	products	product	NOUN
asfbr-2216	247	34	2019	2019	NUM
asfbr-2216	247	35	2020	2020	NUM
asfbr-2216	247	36	coef	coef	PROPN
asfbr-2216	247	37	.	.	PUNCT
asfbr-2216	248	1	z	z	NOUN
asfbr-2216	248	2	stats	stat	NOUN
asfbr-2216	248	3	.	.	PUNCT
asfbr-2216	249	1	coef	coef	PROPN
asfbr-2216	249	2	.	.	PUNCT
asfbr-2216	250	1	z	z	NOUN
asfbr-2216	250	2	stats	stat	NOUN
asfbr-2216	250	3	.	.	PUNCT
asfbr-2216	251	1	gender	gender	NOUN
asfbr-2216	251	2	-0.046	-0.046	PROPN
asfbr-2216	251	3	-1.380	-1.380	X
asfbr-2216	251	4	-0.020	-0.020	X
asfbr-2216	251	5	-0.560	-0.560	PROPN
asfbr-2216	251	6	age	age	NOUN
asfbr-2216	251	7	-0.006	-0.006	X
asfbr-2216	251	8	-4.460	-4.460	PUNCT
asfbr-2216	252	1	*	*	PUNCT
asfbr-2216	252	2	*	*	PUNCT
asfbr-2216	252	3	*	*	PUNCT
asfbr-2216	252	4	-0.004	-0.004	PUNCT
asfbr-2216	252	5	-3.130	-3.130	PUNCT
asfbr-2216	253	1	*	*	PUNCT
asfbr-2216	253	2	*	*	PUNCT
asfbr-2216	253	3	*	*	PUNCT
asfbr-2216	253	4	occupation	occupation	NOUN
asfbr-2216	253	5	-0.010	-0.010	PUNCT
asfbr-2216	254	1	-0.300	-0.300	NUM
asfbr-2216	254	2	-0.010	-0.010	PUNCT
asfbr-2216	254	3	-0.270	-0.270	PUNCT
asfbr-2216	254	4	assets	asset	NOUN
asfbr-2216	254	5	-0.011	-0.011	PUNCT
asfbr-2216	254	6	-0.990	-0.990	ADP
asfbr-2216	254	7	0.009	0.009	NUM
asfbr-2216	254	8	0.710	0.710	NUM
asfbr-2216	254	9	literacy	literacy	NOUN
asfbr-2216	254	10	0.009	0.009	NUM
asfbr-2216	254	11	3.400	3.400	NUM
asfbr-2216	254	12	*	*	PUNCT
asfbr-2216	254	13	*	*	PUNCT
asfbr-2216	254	14	*	*	PUNCT
asfbr-2216	255	1	0.011	0.011	NUM
asfbr-2216	255	2	4.140	4.140	NUM
asfbr-2216	255	3	*	*	PUNCT
asfbr-2216	255	4	*	*	PUNCT
asfbr-2216	255	5	*	*	PUNCT
asfbr-2216	255	6	hhi	hhi	NOUN
asfbr-2216	255	7	0.000	0.000	NUM
asfbr-2216	255	8	2.500	2.500	NUM
asfbr-2216	255	9	*	*	PUNCT
asfbr-2216	255	10	*	*	PUNCT
asfbr-2216	255	11	0.000	0.000	NUM
asfbr-2216	255	12	1.030	1.030	NUM
asfbr-2216	255	13	shr	shr	NOUN
asfbr-2216	255	14	0.000	0.000	NUM
asfbr-2216	255	15	0.090	0.090	NUM
asfbr-2216	255	16	-0.001	-0.001	X
asfbr-2216	255	17	-0.480	-0.480	PROPN
asfbr-2216	255	18	staff	staff	NOUN
asfbr-2216	255	19	0.357	0.357	NUM
asfbr-2216	255	20	8.450	8.450	NUM
asfbr-2216	255	21	*	*	PUNCT
asfbr-2216	255	22	*	*	PUNCT
asfbr-2216	255	23	*	*	PUNCT
asfbr-2216	255	24	0.378	0.378	NUM
asfbr-2216	255	25	8.530	8.530	NUM
asfbr-2216	255	26	*	*	PUNCT
asfbr-2216	255	27	*	*	PUNCT
asfbr-2216	255	28	*	*	PUNCT
asfbr-2216	255	29	callcenter	callcenter	NOUN
asfbr-2216	255	30	0.220	0.220	NUM
asfbr-2216	255	31	3.760	3.760	NUM
asfbr-2216	255	32	*	*	PUNCT
asfbr-2216	255	33	*	*	PUNCT
asfbr-2216	255	34	*	*	PUNCT
asfbr-2216	255	35	0.267	0.267	NUM
asfbr-2216	255	36	4.100	4.100	NUM
asfbr-2216	255	37	*	*	PUNCT
asfbr-2216	255	38	*	*	PUNCT
asfbr-2216	255	39	*	*	PUNCT
asfbr-2216	255	40	website	website	NOUN
asfbr-2216	255	41	0.169	0.169	NUM
asfbr-2216	255	42	4.820	4.820	NUM
asfbr-2216	255	43	*	*	PUNCT
asfbr-2216	255	44	*	*	PUNCT
asfbr-2216	255	45	*	*	PUNCT
asfbr-2216	255	46	0.185	0.185	NUM
asfbr-2216	255	47	4.970	4.970	NUM
asfbr-2216	255	48	*	*	PUNCT
asfbr-2216	255	49	*	*	PUNCT
asfbr-2216	255	50	*	*	NOUN
asfbr-2216	255	51	events	event	NOUN
asfbr-2216	255	52	0.093	0.093	NUM
asfbr-2216	255	53	1.620	1.620	NUM
asfbr-2216	255	54	0.015	0.015	NUM
asfbr-2216	255	55	0.240	0.240	NUM
asfbr-2216	255	56	sns	sns	PROPN
asfbr-2216	255	57	-0.017	-0.017	X
asfbr-2216	255	58	-0.340	-0.340	NUM
asfbr-2216	255	59	0.091	0.091	NUM
asfbr-2216	255	60	1.570	1.570	NUM
asfbr-2216	255	61	pop	pop	NOUN
asfbr-2216	255	62	-	-	PUNCT
asfbr-2216	255	63	up	up	NOUN
asfbr-2216	255	64	-0.045	-0.045	ADJ
asfbr-2216	255	65	-0.810	-0.810	PUNCT
asfbr-2216	255	66	-0.009	-0.009	X
asfbr-2216	255	67	-0.150	-0.150	NOUN
asfbr-2216	255	68	trainads	trainad	VERB
asfbr-2216	255	69	0.019	0.019	NUM
asfbr-2216	255	70	0.300	0.300	NUM
asfbr-2216	255	71	0.119	0.119	NUM
asfbr-2216	255	72	1.680	1.680	NUM
asfbr-2216	255	73	*	*	PUNCT
asfbr-2216	255	74	none	none	NOUN
asfbr-2216	255	75	-0.151	-0.151	NOUN
asfbr-2216	255	76	-2.630	-2.630	NOUN
asfbr-2216	255	77	*	*	PUNCT
asfbr-2216	256	1	*	*	PUNCT
asfbr-2216	256	2	*	*	PUNCT
asfbr-2216	256	3	-0.106	-0.106	NUM
asfbr-2216	256	4	-1.820	-1.820	NOUN
asfbr-2216	256	5	*	*	PUNCT
asfbr-2216	256	6	deposits	deposit	NOUN
asfbr-2216	256	7	0.290	0.290	NUM
asfbr-2216	256	8	6.660	6.660	NUM
asfbr-2216	256	9	*	*	PUNCT
asfbr-2216	256	10	*	*	PUNCT
asfbr-2216	257	1	*	*	PUNCT
asfbr-2216	257	2	0.277	0.277	NUM
asfbr-2216	257	3	5.940	5.940	NUM
asfbr-2216	257	4	*	*	PUNCT
asfbr-2216	257	5	*	*	PUNCT
asfbr-2216	257	6	*	*	PUNCT
asfbr-2216	257	7	hloan	hloan	VERB
asfbr-2216	257	8	0.245	0.245	NUM
asfbr-2216	257	9	3.990	3.990	NUM
asfbr-2216	257	10	*	*	PUNCT
asfbr-2216	257	11	*	*	PUNCT
asfbr-2216	257	12	*	*	PUNCT
asfbr-2216	257	13	0.151	0.151	NUM
asfbr-2216	257	14	2.350	2.350	NUM
asfbr-2216	257	15	*	*	PUNCT
asfbr-2216	257	16	*	*	PUNCT
asfbr-2216	257	17	*	*	PUNCT
asfbr-2216	257	18	insurance	insurance	NOUN
asfbr-2216	257	19	0.150	0.150	NUM
asfbr-2216	257	20	3.120	3.120	NUM
asfbr-2216	257	21	*	*	PUNCT
asfbr-2216	257	22	*	*	PUNCT
asfbr-2216	257	23	*	*	PUNCT
asfbr-2216	257	24	0.144	0.144	NUM
asfbr-2216	257	25	2.840	2.840	NUM
asfbr-2216	257	26	*	*	PUNCT
asfbr-2216	257	27	*	*	PUNCT
asfbr-2216	257	28	*	*	PUNCT
asfbr-2216	257	29	a	a	DET
asfbr-2216	257	30	number	number	NOUN
asfbr-2216	257	31	of	of	ADP
asfbr-2216	257	32	obs	obs	PROPN
asfbr-2216	257	33	.	.	PUNCT
asfbr-2216	258	1	5,219	5,219	NUM
asfbr-2216	258	2	4,935	4,935	NUM
asfbr-2216	258	3	log	log	NOUN
asfbr-2216	258	4	-	-	PUNCT
asfbr-2216	258	5	likelihood／	likelihood／	NOUN
asfbr-2216	258	6	pseudo	pseudo	NOUN
asfbr-2216	258	7	r2	r2	NOUN
asfbr-2216	258	8	-6675.15	-6675.15	NOUN
asfbr-2216	258	9	0.0343	0.0343	NUM
asfbr-2216	258	10	-6100.70	-6100.70	NUM
asfbr-2216	258	11	0.0367	0.0367	NUM
asfbr-2216	258	12	note	note	NOUN
asfbr-2216	258	13	.	.	PUNCT
asfbr-2216	259	1	*	*	PUNCT
asfbr-2216	260	1	*	*	PUNCT
asfbr-2216	260	2	*	*	PUNCT
asfbr-2216	260	3	,	,	PUNCT
asfbr-2216	260	4	*	*	PUNCT
asfbr-2216	260	5	*	*	PUNCT
asfbr-2216	260	6	and	and	CCONJ
asfbr-2216	260	7	*	*	AUX
asfbr-2216	260	8	represent	represent	VERB
asfbr-2216	260	9	the	the	DET
asfbr-2216	260	10	statistically	statistically	ADV
asfbr-2216	260	11	significant	significant	ADJ
asfbr-2216	260	12	coefficients	coefficient	NOUN
asfbr-2216	260	13	at	at	ADP
asfbr-2216	260	14	significance	significance	NOUN
asfbr-2216	260	15	levels	level	NOUN
asfbr-2216	260	16	of	of	ADP
asfbr-2216	260	17	1	1	NUM
asfbr-2216	260	18	,	,	PUNCT
asfbr-2216	260	19	5	5	NUM
asfbr-2216	260	20	,	,	PUNCT
asfbr-2216	260	21	and	and	CCONJ
asfbr-2216	260	22	10	10	NUM
asfbr-2216	260	23	percent	percent	NOUN
asfbr-2216	260	24	,	,	PUNCT
asfbr-2216	260	25	respectively	respectively	ADV
asfbr-2216	260	26	.	.	PUNCT
asfbr-2216	260	27	table	table	NOUN
asfbr-2216	260	28	7	7	NUM
asfbr-2216	260	29	.	.	PUNCT
asfbr-2216	260	30	marginal	marginal	ADJ
asfbr-2216	260	31	effect	effect	NOUN
asfbr-2216	260	32	of	of	ADP
asfbr-2216	260	33	customer	customer	NOUN
asfbr-2216	260	34	satisfaction	satisfaction	NOUN
asfbr-2216	260	35	with	with	ADP
asfbr-2216	260	36	investment	investment	NOUN
asfbr-2216	260	37	products	product	NOUN
asfbr-2216	260	38	2019	2019	NUM
asfbr-2216	260	39	2020	2020	NUM
asfbr-2216	260	40	highly	highly	ADV
asfbr-2216	260	41	dissatisfied	dissatisfied	ADJ
asfbr-2216	260	42	1	1	NUM
asfbr-2216	260	43	dissatisfied	dissatisfied	ADJ
asfbr-2216	260	44	2	2	NUM
asfbr-2216	260	45	neutral	neutral	ADJ
asfbr-2216	260	46	3	3	NUM
asfbr-2216	260	47	satisfied	satisfy	VERB
asfbr-2216	260	48	4	4	NUM
asfbr-2216	260	49	highly	highly	ADV
asfbr-2216	260	50	satisfied	satisfied	ADJ
asfbr-2216	260	51	5	5	NUM
asfbr-2216	260	52	highly	highly	ADV
asfbr-2216	260	53	dissatisfied	dissatisfied	ADJ
asfbr-2216	260	54	1	1	NUM
asfbr-2216	260	55	dissatisfied	dissatisfied	ADJ
asfbr-2216	260	56	2	2	NUM
asfbr-2216	260	57	neutral	neutral	ADJ
asfbr-2216	260	58	3	3	NUM
asfbr-2216	260	59	satisfied	satisfy	VERB
asfbr-2216	260	60	4	4	NUM
asfbr-2216	260	61	highly	highly	ADV
asfbr-2216	260	62	satisfied	satisfied	ADJ
asfbr-2216	260	63	5	5	NUM
asfbr-2216	260	64	gender	gender	NOUN
asfbr-2216	260	65	0.003	0.003	NUM
asfbr-2216	260	66	(	(	PUNCT
asfbr-2216	260	67	0.170	0.170	NUM
asfbr-2216	260	68	)	)	PUNCT
asfbr-2216	260	69	0.006	0.006	NUM
asfbr-2216	260	70	(	(	PUNCT
asfbr-2216	260	71	0.169	0.169	NUM
asfbr-2216	260	72	)	)	PUNCT
asfbr-2216	260	73	0.009	0.009	NUM
asfbr-2216	260	74	(	(	PUNCT
asfbr-2216	260	75	0.168	0.168	NUM
asfbr-2216	260	76	)	)	PUNCT
asfbr-2216	260	77	-0.008	-0.008	NOUN
asfbr-2216	260	78	(	(	PUNCT
asfbr-2216	260	79	0.168	0.168	NUM
asfbr-2216	260	80	)	)	PUNCT
asfbr-2216	260	81	-0.010	-0.010	PUNCT
asfbr-2216	260	82	(	(	PUNCT
asfbr-2216	260	83	0.168	0.168	NUM
asfbr-2216	260	84	)	)	PUNCT
asfbr-2216	260	85	0.001	0.001	NUM
asfbr-2216	260	86	(	(	PUNCT
asfbr-2216	260	87	0.574	0.574	NUM
asfbr-2216	260	88	)	)	PUNCT
asfbr-2216	260	89	0.002	0.002	NUM
asfbr-2216	260	90	(	(	PUNCT
asfbr-2216	260	91	0.573	0.573	NUM
asfbr-2216	260	92	)	)	PUNCT
asfbr-2216	260	93	0.004	0.004	NUM
asfbr-2216	260	94	(	(	PUNCT
asfbr-2216	260	95	0.574	0.574	NUM
asfbr-2216	260	96	)	)	PUNCT
asfbr-2216	260	97	-0.003	-0.003	NOUN
asfbr-2216	260	98	(	(	PUNCT
asfbr-2216	260	99	0.574	0.574	NUM
asfbr-2216	260	100	)	)	PUNCT
asfbr-2216	260	101	-0.004	-0.004	PUNCT
asfbr-2216	260	102	(	(	PUNCT
asfbr-2216	260	103	0.573	0.573	NUM
asfbr-2216	260	104	)	)	PUNCT
asfbr-2216	260	105	age	age	NOUN
asfbr-2216	260	106	0.000	0.000	NUM
asfbr-2216	260	107	(	(	PUNCT
asfbr-2216	260	108	0.000	0.000	NUM
asfbr-2216	260	109	)	)	PUNCT
asfbr-2216	260	110	0.001	0.001	NUM
asfbr-2216	260	111	(	(	PUNCT
asfbr-2216	260	112	0.000	0.000	NUM
asfbr-2216	260	113	)	)	PUNCT
asfbr-2216	260	114	0.001	0.001	NUM
asfbr-2216	260	115	(	(	PUNCT
asfbr-2216	260	116	0.000	0.000	NUM
asfbr-2216	260	117	)	)	PUNCT
asfbr-2216	260	118	-0.001	-0.001	PUNCT
asfbr-2216	261	1	(	(	PUNCT
asfbr-2216	261	2	0.000	0.000	NUM
asfbr-2216	261	3	)	)	PUNCT
asfbr-2216	261	4	-0.001	-0.001	PUNCT
asfbr-2216	261	5	(	(	PUNCT
asfbr-2216	261	6	0.000	0.000	NUM
asfbr-2216	261	7	)	)	PUNCT
asfbr-2216	261	8	0.000	0.000	NUM
asfbr-2216	261	9	(	(	PUNCT
asfbr-2216	261	10	0.002	0.002	NUM
asfbr-2216	261	11	)	)	PUNCT
asfbr-2216	261	12	0.000	0.000	NUM
asfbr-2216	261	13	(	(	PUNCT
asfbr-2216	261	14	0.002	0.002	NUM
asfbr-2216	261	15	)	)	PUNCT
asfbr-2216	261	16	0.001	0.001	NUM
asfbr-2216	261	17	(	(	PUNCT
asfbr-2216	261	18	0.002	0.002	NUM
asfbr-2216	261	19	)	)	PUNCT
asfbr-2216	261	20	-0.001	-0.001	PUNCT
asfbr-2216	261	21	(	(	PUNCT
asfbr-2216	261	22	0.002	0.002	NUM
asfbr-2216	261	23	)	)	PUNCT
asfbr-2216	261	24	-0.001	-0.001	PUNCT
asfbr-2216	261	25	(	(	PUNCT
asfbr-2216	261	26	0.002	0.002	NUM
asfbr-2216	261	27	)	)	PUNCT
asfbr-2216	261	28	occupation	occupation	NOUN
asfbr-2216	261	29	0.001	0.001	NUM
asfbr-2216	261	30	(	(	PUNCT
asfbr-2216	261	31	0.767	0.767	NUM
asfbr-2216	261	32	)	)	PUNCT
asfbr-2216	261	33	0.001	0.001	NUM
asfbr-2216	261	34	(	(	PUNCT
asfbr-2216	261	35	0.767	0.767	NUM
asfbr-2216	261	36	)	)	PUNCT
asfbr-2216	261	37	0.002	0.002	NUM
asfbr-2216	261	38	(	(	PUNCT
asfbr-2216	261	39	0.767	0.767	NUM
asfbr-2216	261	40	)	)	PUNCT
asfbr-2216	261	41	-0.002	-0.002	PUNCT
asfbr-2216	261	42	(	(	PUNCT
asfbr-2216	261	43	0.767	0.767	NUM
asfbr-2216	261	44	)	)	PUNCT
asfbr-2216	261	45	-0.002	-0.002	PUNCT
asfbr-2216	261	46	(	(	PUNCT
asfbr-2216	261	47	0.767	0.767	NUM
asfbr-2216	261	48	)	)	PUNCT
asfbr-2216	261	49	0.001	0.001	NUM
asfbr-2216	261	50	(	(	PUNCT
asfbr-2216	261	51	0.788	0.788	NUM
asfbr-2216	261	52	)	)	PUNCT
asfbr-2216	261	53	0.001	0.001	NUM
asfbr-2216	261	54	(	(	PUNCT
asfbr-2216	261	55	0.788	0.788	NUM
asfbr-2216	261	56	)	)	PUNCT
asfbr-2216	261	57	0.002	0.002	NUM
asfbr-2216	261	58	(	(	PUNCT
asfbr-2216	261	59	0.788	0.788	NUM
asfbr-2216	261	60	)	)	PUNCT
asfbr-2216	261	61	-0.002	-0.002	PUNCT
asfbr-2216	261	62	(	(	PUNCT
asfbr-2216	261	63	0.788	0.788	NUM
asfbr-2216	261	64	)	)	PUNCT
asfbr-2216	261	65	-0.002	-0.002	PUNCT
asfbr-2216	261	66	(	(	PUNCT
asfbr-2216	261	67	0.788	0.788	NUM
asfbr-2216	261	68	)	)	PUNCT
asfbr-2216	261	69	assets	asset	NOUN
asfbr-2216	261	70	0.001	0.001	NUM
asfbr-2216	261	71	(	(	PUNCT
asfbr-2216	261	72	0.324	0.324	NUM
asfbr-2216	261	73	)	)	PUNCT
asfbr-2216	261	74	0.001	0.001	NUM
asfbr-2216	261	75	(	(	PUNCT
asfbr-2216	261	76	0.324	0.324	NUM
asfbr-2216	261	77	)	)	PUNCT
asfbr-2216	261	78	0.002	0.002	NUM
asfbr-2216	261	79	(	(	PUNCT
asfbr-2216	261	80	0.323	0.323	NUM
asfbr-2216	261	81	)	)	PUNCT
asfbr-2216	261	82	-0.002	-0.002	PUNCT
asfbr-2216	261	83	(	(	PUNCT
asfbr-2216	261	84	0.323	0.323	NUM
asfbr-2216	261	85	)	)	PUNCT
asfbr-2216	261	86	-0.002	-0.002	PUNCT
asfbr-2216	261	87	(	(	PUNCT
asfbr-2216	261	88	0.324	0.324	NUM
asfbr-2216	261	89	)	)	PUNCT
asfbr-2216	261	90	0.000	0.000	NUM
asfbr-2216	261	91	(	(	PUNCT
asfbr-2216	261	92	0.477	0.477	NUM
asfbr-2216	261	93	)	)	PUNCT
asfbr-2216	261	94	-0.001	-0.001	X
asfbr-2216	261	95	(	(	PUNCT
asfbr-2216	261	96	0.477	0.477	NOUN
asfbr-2216	261	97	)	)	PUNCT
asfbr-2216	261	98	-0.002	-0.002	PUNCT
asfbr-2216	261	99	(	(	PUNCT
asfbr-2216	261	100	0.477	0.477	NUM
asfbr-2216	261	101	)	)	PUNCT
asfbr-2216	261	102	0.001	0.001	NUM
asfbr-2216	261	103	(	(	PUNCT
asfbr-2216	261	104	0.477	0.477	NUM
asfbr-2216	261	105	)	)	PUNCT
asfbr-2216	261	106	0.002	0.002	NUM
asfbr-2216	261	107	(	(	PUNCT
asfbr-2216	261	108	0.478	0.478	NUM
asfbr-2216	261	109	)	)	PUNCT
asfbr-2216	261	110	literacy	literacy	NOUN
asfbr-2216	261	111	-0.001	-0.001	PUNCT
asfbr-2216	261	112	(	(	PUNCT
asfbr-2216	261	113	0.001	0.001	NUM
asfbr-2216	261	114	)	)	PUNCT
asfbr-2216	261	115	-0.001	-0.001	PUNCT
asfbr-2216	261	116	(	(	PUNCT
asfbr-2216	261	117	0.001	0.001	NUM
asfbr-2216	261	118	)	)	PUNCT
asfbr-2216	261	119	-0.002	-0.002	PUNCT
asfbr-2216	261	120	(	(	PUNCT
asfbr-2216	261	121	0.001	0.001	NUM
asfbr-2216	261	122	)	)	PUNCT
asfbr-2216	261	123	0.001	0.001	NUM
asfbr-2216	261	124	(	(	PUNCT
asfbr-2216	261	125	0.001	0.001	NUM
asfbr-2216	261	126	)	)	PUNCT
asfbr-2216	261	127	0.002	0.002	NUM
asfbr-2216	261	128	(	(	PUNCT
asfbr-2216	261	129	0.001	0.001	NUM
asfbr-2216	261	130	)	)	PUNCT
asfbr-2216	261	131	-0.001	-0.001	PUNCT
asfbr-2216	261	132	(	(	PUNCT
asfbr-2216	261	133	0.000	0.000	NUM
asfbr-2216	261	134	)	)	PUNCT
asfbr-2216	261	135	-0.001	-0.001	PUNCT
asfbr-2216	261	136	(	(	PUNCT
asfbr-2216	261	137	0.000	0.000	NUM
asfbr-2216	261	138	)	)	PUNCT
asfbr-2216	261	139	-0.002	-0.002	PUNCT
asfbr-2216	261	140	(	(	PUNCT
asfbr-2216	261	141	0.000	0.000	NUM
asfbr-2216	261	142	)	)	PUNCT
asfbr-2216	261	143	0.002	0.002	NUM
asfbr-2216	261	144	(	(	PUNCT
asfbr-2216	261	145	0.000	0.000	NUM
asfbr-2216	261	146	)	)	PUNCT
asfbr-2216	261	147	0.002	0.002	NUM
asfbr-2216	261	148	(	(	PUNCT
asfbr-2216	261	149	0.000	0.000	NUM
asfbr-2216	261	150	)	)	PUNCT
asfbr-2216	261	151	hhi	hhi	NOUN
asfbr-2216	261	152	0.000	0.000	NUM
asfbr-2216	261	153	(	(	PUNCT
asfbr-2216	261	154	0.014	0.014	NUM
asfbr-2216	261	155	)	)	PUNCT
asfbr-2216	261	156	0.000	0.000	NUM
asfbr-2216	261	157	(	(	PUNCT
asfbr-2216	261	158	0.013	0.013	NUM
asfbr-2216	261	159	)	)	PUNCT
asfbr-2216	261	160	0.000	0.000	NUM
asfbr-2216	261	161	(	(	PUNCT
asfbr-2216	261	162	0.012	0.012	NUM
asfbr-2216	261	163	)	)	PUNCT
asfbr-2216	261	164	0.000	0.000	NUM
asfbr-2216	261	165	(	(	PUNCT
asfbr-2216	261	166	0.012	0.012	NUM
asfbr-2216	261	167	)	)	PUNCT
asfbr-2216	261	168	0.000	0.000	NUM
asfbr-2216	261	169	(	(	PUNCT
asfbr-2216	261	170	0.012	0.012	NUM
asfbr-2216	261	171	)	)	PUNCT
asfbr-2216	261	172	0.000	0.000	NUM
asfbr-2216	261	173	(	(	PUNCT
asfbr-2216	261	174	0.306	0.306	NOUN
asfbr-2216	261	175	)	)	PUNCT
asfbr-2216	261	176	0.000	0.000	NUM
asfbr-2216	261	177	(	(	PUNCT
asfbr-2216	261	178	0.305	0.305	NUM
asfbr-2216	261	179	)	)	PUNCT
asfbr-2216	261	180	0.000	0.000	NUM
asfbr-2216	261	181	(	(	PUNCT
asfbr-2216	261	182	0.305	0.305	NUM
asfbr-2216	261	183	)	)	PUNCT
asfbr-2216	261	184	0.000	0.000	NUM
asfbr-2216	261	185	(	(	PUNCT
asfbr-2216	261	186	0.305	0.305	NUM
asfbr-2216	261	187	)	)	PUNCT
asfbr-2216	261	188	0.000	0.000	NUM
asfbr-2216	261	189	(	(	PUNCT
asfbr-2216	261	190	0.305	0.305	NUM
asfbr-2216	261	191	)	)	PUNCT
asfbr-2216	261	192	shr	shr	NOUN
asfbr-2216	261	193	0.000	0.000	NUM
asfbr-2216	261	194	(	(	PUNCT
asfbr-2216	261	195	0.927	0.927	NUM
asfbr-2216	261	196	)	)	PUNCT
asfbr-2216	261	197	0.000	0.000	NUM
asfbr-2216	261	198	(	(	PUNCT
asfbr-2216	261	199	0.927	0.927	NUM
asfbr-2216	261	200	)	)	PUNCT
asfbr-2216	261	201	0.000	0.000	NUM
asfbr-2216	261	202	(	(	PUNCT
asfbr-2216	261	203	0.927	0.927	NUM
asfbr-2216	261	204	)	)	PUNCT
asfbr-2216	261	205	0.000	0.000	NUM
asfbr-2216	261	206	(	(	PUNCT
asfbr-2216	261	207	0.927	0.927	NUM
asfbr-2216	261	208	)	)	PUNCT
asfbr-2216	261	209	0.000	0.000	NUM
asfbr-2216	261	210	(	(	PUNCT
asfbr-2216	261	211	0.927	0.927	NUM
asfbr-2216	261	212	)	)	PUNCT
asfbr-2216	261	213	0.000	0.000	NUM
asfbr-2216	261	214	(	(	PUNCT
asfbr-2216	261	215	0.632	0.632	NUM
asfbr-2216	261	216	)	)	PUNCT
asfbr-2216	261	217	0.000	0.000	NUM
asfbr-2216	261	218	(	(	PUNCT
asfbr-2216	261	219	0.632	0.632	NUM
asfbr-2216	261	220	)	)	PUNCT
asfbr-2216	261	221	0.000	0.000	NUM
asfbr-2216	261	222	(	(	PUNCT
asfbr-2216	261	223	0.632	0.632	NUM
asfbr-2216	261	224	)	)	PUNCT
asfbr-2216	261	225	0.000	0.000	NUM
asfbr-2216	261	226	(	(	PUNCT
asfbr-2216	261	227	0.632	0.632	NUM
asfbr-2216	261	228	)	)	PUNCT
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asfbr-2216	261	230	(	(	PUNCT
asfbr-2216	261	231	0.632	0.632	NUM
asfbr-2216	261	232	)	)	PUNCT
asfbr-2216	261	233	staff	staff	NOUN
asfbr-2216	261	234	-0.023	-0.023	PUNCT
asfbr-2216	261	235	(	(	PUNCT
asfbr-2216	261	236	0.000	0.000	NUM
asfbr-2216	261	237	)	)	PUNCT
asfbr-2216	261	238	-0.043	-0.043	X
asfbr-2216	261	239	(	(	PUNCT
asfbr-2216	261	240	0.000	0.000	NUM
asfbr-2216	261	241	)	)	PUNCT
asfbr-2216	261	242	-0.068	-0.068	X
asfbr-2216	261	243	(	(	PUNCT
asfbr-2216	261	244	0.000	0.000	NUM
asfbr-2216	261	245	)	)	PUNCT
asfbr-2216	261	246	0.058	0.058	NUM
asfbr-2216	261	247	(	(	PUNCT
asfbr-2216	261	248	0.000	0.000	NUM
asfbr-2216	261	249	)	)	PUNCT
asfbr-2216	261	250	0.076	0.076	NUM
asfbr-2216	261	251	(	(	PUNCT
asfbr-2216	261	252	0.000	0.000	NUM
asfbr-2216	261	253	)	)	PUNCT
asfbr-2216	261	254	-0.021	-0.021	NOUN
asfbr-2216	261	255	(	(	PUNCT
asfbr-2216	261	256	0.000	0.000	NUM
asfbr-2216	261	257	)	)	PUNCT
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asfbr-2216	261	259	(	(	PUNCT
asfbr-2216	261	260	0.000	0.000	NUM
asfbr-2216	261	261	)	)	PUNCT
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asfbr-2216	261	263	(	(	PUNCT
asfbr-2216	261	264	0.000	0.000	NUM
asfbr-2216	261	265	)	)	PUNCT
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asfbr-2216	261	267	(	(	PUNCT
asfbr-2216	261	268	0.000	0.000	NUM
asfbr-2216	261	269	)	)	PUNCT
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asfbr-2216	261	271	(	(	PUNCT
asfbr-2216	261	272	0.000	0.000	NUM
asfbr-2216	261	273	)	)	PUNCT
asfbr-2216	261	274	callcenter	callcenter	NOUN
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asfbr-2216	261	276	(	(	PUNCT
asfbr-2216	261	277	0.000	0.000	NUM
asfbr-2216	261	278	)	)	PUNCT
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asfbr-2216	261	281	0.000	0.000	NUM
asfbr-2216	261	282	)	)	PUNCT
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asfbr-2216	261	284	(	(	PUNCT
asfbr-2216	261	285	0.000	0.000	NUM
asfbr-2216	261	286	)	)	PUNCT
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asfbr-2216	261	289	0.000	0.000	NUM
asfbr-2216	261	290	)	)	PUNCT
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asfbr-2216	261	292	(	(	PUNCT
asfbr-2216	261	293	0.000	0.000	NUM
asfbr-2216	261	294	)	)	PUNCT
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asfbr-2216	261	296	(	(	PUNCT
asfbr-2216	261	297	0.000	0.000	NUM
asfbr-2216	261	298	)	)	PUNCT
asfbr-2216	261	299	-0.030	-0.030	PUNCT
asfbr-2216	262	1	(	(	PUNCT
asfbr-2216	262	2	0.000	0.000	NUM
asfbr-2216	262	3	)	)	PUNCT
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asfbr-2216	262	5	(	(	PUNCT
asfbr-2216	262	6	0.000	0.000	NUM
asfbr-2216	262	7	)	)	PUNCT
asfbr-2216	262	8	0.045	0.045	NUM
asfbr-2216	262	9	(	(	PUNCT
asfbr-2216	262	10	0.000	0.000	NUM
asfbr-2216	262	11	)	)	PUNCT
asfbr-2216	262	12	0.054	0.054	NUM
asfbr-2216	262	13	(	(	PUNCT
asfbr-2216	262	14	0.000	0.000	NUM
asfbr-2216	262	15	)	)	PUNCT
asfbr-2216	262	16	website	website	NOUN
asfbr-2216	262	17	-0.011	-0.011	X
asfbr-2216	262	18	(	(	PUNCT
asfbr-2216	262	19	0.000	0.000	NUM
asfbr-2216	262	20	)	)	PUNCT
asfbr-2216	262	21	-0.020	-0.020	PUNCT
asfbr-2216	262	22	(	(	PUNCT
asfbr-2216	262	23	0.000	0.000	NUM
asfbr-2216	262	24	)	)	PUNCT
asfbr-2216	262	25	-0.032	-0.032	ADP
asfbr-2216	262	26	(	(	PUNCT
asfbr-2216	262	27	0.000	0.000	NUM
asfbr-2216	262	28	)	)	PUNCT
asfbr-2216	262	29	0.027	0.027	NUM
asfbr-2216	262	30	(	(	PUNCT
asfbr-2216	262	31	0.000	0.000	NUM
asfbr-2216	262	32	)	)	PUNCT
asfbr-2216	262	33	0.036	0.036	NUM
asfbr-2216	262	34	(	(	PUNCT
asfbr-2216	262	35	0.000	0.000	NUM
asfbr-2216	262	36	)	)	PUNCT
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asfbr-2216	262	38	(	(	PUNCT
asfbr-2216	262	39	0.000	0.000	NUM
asfbr-2216	262	40	)	)	PUNCT
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asfbr-2216	262	42	(	(	PUNCT
asfbr-2216	262	43	0.000	0.000	NUM
asfbr-2216	262	44	)	)	PUNCT
asfbr-2216	262	45	-0.038	-0.038	PUNCT
asfbr-2216	262	46	(	(	PUNCT
asfbr-2216	262	47	0.000	0.000	NUM
asfbr-2216	262	48	)	)	PUNCT
asfbr-2216	262	49	0.031	0.031	NUM
asfbr-2216	262	50	(	(	PUNCT
asfbr-2216	262	51	0.000	0.000	NUM
asfbr-2216	262	52	)	)	PUNCT
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asfbr-2216	262	54	(	(	PUNCT
asfbr-2216	262	55	0.000	0.000	NUM
asfbr-2216	262	56	)	)	PUNCT
asfbr-2216	262	57	events	event	NOUN
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asfbr-2216	262	59	(	(	PUNCT
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asfbr-2216	262	61	)	)	PUNCT
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asfbr-2216	262	63	(	(	PUNCT
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asfbr-2216	262	65	)	)	PUNCT
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asfbr-2216	262	67	(	(	PUNCT
asfbr-2216	262	68	0.104	0.104	NUM
asfbr-2216	262	69	)	)	PUNCT
asfbr-2216	262	70	0.015	0.015	NUM
asfbr-2216	262	71	(	(	PUNCT
asfbr-2216	262	72	0.105	0.105	NUM
asfbr-2216	262	73	)	)	PUNCT
asfbr-2216	262	74	0.020	0.020	NUM
asfbr-2216	262	75	(	(	PUNCT
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asfbr-2216	262	77	)	)	PUNCT
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asfbr-2216	262	79	(	(	PUNCT
asfbr-2216	262	80	0.809	0.809	NUM
asfbr-2216	262	81	)	)	PUNCT
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asfbr-2216	262	83	(	(	PUNCT
asfbr-2216	262	84	0.809	0.809	NUM
asfbr-2216	262	85	)	)	PUNCT
asfbr-2216	262	86	-0.003	-0.003	NOUN
asfbr-2216	262	87	(	(	PUNCT
asfbr-2216	262	88	0.809	0.809	NUM
asfbr-2216	262	89	)	)	PUNCT
asfbr-2216	262	90	0.003	0.003	NUM
asfbr-2216	262	91	(	(	PUNCT
asfbr-2216	262	92	0.809	0.809	NUM
asfbr-2216	262	93	)	)	PUNCT
asfbr-2216	262	94	0.003	0.003	NUM
asfbr-2216	262	95	(	(	PUNCT
asfbr-2216	262	96	0.809	0.809	NUM
asfbr-2216	262	97	)	)	PUNCT
asfbr-2216	262	98	sns	sns	PROPN
asfbr-2216	262	99	0.001	0.001	NUM
asfbr-2216	262	100	(	(	PUNCT
asfbr-2216	262	101	0.733	0.733	NUM
asfbr-2216	262	102	)	)	PUNCT
asfbr-2216	262	103	0.002	0.002	NUM
asfbr-2216	262	104	(	(	PUNCT
asfbr-2216	262	105	0.733	0.733	NUM
asfbr-2216	262	106	)	)	PUNCT
asfbr-2216	262	107	0.003	0.003	NUM
asfbr-2216	262	108	(	(	PUNCT
asfbr-2216	262	109	0.733	0.733	NUM
asfbr-2216	262	110	)	)	PUNCT
asfbr-2216	262	111	-0.003	-0.003	NOUN
asfbr-2216	262	112	(	(	PUNCT
asfbr-2216	262	113	0.733	0.733	NUM
asfbr-2216	262	114	)	)	PUNCT
asfbr-2216	262	115	-0.004	-0.004	PUNCT
asfbr-2216	262	116	(	(	PUNCT
asfbr-2216	262	117	0.733	0.733	NUM
asfbr-2216	262	118	)	)	PUNCT
asfbr-2216	262	119	-0.005	-0.005	PRON
asfbr-2216	262	120	(	(	PUNCT
asfbr-2216	262	121	0.117	0.117	NUM
asfbr-2216	262	122	)	)	PUNCT
asfbr-2216	262	123	-0.010	-0.010	PUNCT
asfbr-2216	262	124	(	(	PUNCT
asfbr-2216	262	125	0.117	0.117	NUM
asfbr-2216	262	126	)	)	PUNCT
asfbr-2216	262	127	-0.019	-0.019	PUNCT
asfbr-2216	262	128	(	(	PUNCT
asfbr-2216	262	129	0.116	0.116	NUM
asfbr-2216	262	130	)	)	PUNCT
asfbr-2216	262	131	0.015	0.015	NUM
asfbr-2216	262	132	(	(	PUNCT
asfbr-2216	262	133	0.116	0.116	NUM
asfbr-2216	262	134	)	)	PUNCT
asfbr-2216	262	135	0.019	0.019	NUM
asfbr-2216	262	136	(	(	PUNCT
asfbr-2216	262	137	0.116	0.116	NUM
asfbr-2216	262	138	)	)	PUNCT
asfbr-2216	262	139	pop	pop	NOUN
asfbr-2216	262	140	-	-	PUNCT
asfbr-2216	262	141	up	up	NOUN
asfbr-2216	262	142	0.003	0.003	NUM
asfbr-2216	262	143	(	(	PUNCT
asfbr-2216	262	144	0.420	0.420	NUM
asfbr-2216	262	145	)	)	PUNCT
asfbr-2216	262	146	0.005	0.005	NUM
asfbr-2216	262	147	(	(	PUNCT
asfbr-2216	262	148	0.419	0.419	NUM
asfbr-2216	262	149	)	)	PUNCT
asfbr-2216	262	150	0.009	0.009	NUM
asfbr-2216	262	151	(	(	PUNCT
asfbr-2216	262	152	0.419	0.419	NUM
asfbr-2216	262	153	)	)	PUNCT
asfbr-2216	262	154	-0.007	-0.007	PUNCT
asfbr-2216	262	155	(	(	PUNCT
asfbr-2216	262	156	0.419	0.419	NUM
asfbr-2216	262	157	)	)	PUNCT
asfbr-2216	262	158	-0.010	-0.010	PUNCT
asfbr-2216	262	159	(	(	PUNCT
asfbr-2216	262	160	0.419	0.419	NUM
asfbr-2216	262	161	)	)	PUNCT
asfbr-2216	262	162	0.001	0.001	NUM
asfbr-2216	262	163	(	(	PUNCT
asfbr-2216	262	164	0.884	0.884	NUM
asfbr-2216	262	165	)	)	PUNCT
asfbr-2216	262	166	0.001	0.001	NUM
asfbr-2216	262	167	(	(	PUNCT
asfbr-2216	262	168	0.884	0.884	NUM
asfbr-2216	262	169	)	)	PUNCT
asfbr-2216	262	170	0.002	0.002	NUM
asfbr-2216	262	171	(	(	PUNCT
asfbr-2216	262	172	0.884	0.884	NUM
asfbr-2216	262	173	)	)	PUNCT
asfbr-2216	262	174	-0.002	-0.002	PUNCT
asfbr-2216	262	175	(	(	PUNCT
asfbr-2216	262	176	0.884	0.884	NUM
asfbr-2216	262	177	)	)	PUNCT
asfbr-2216	262	178	-0.002	-0.002	PUNCT
asfbr-2216	262	179	(	(	PUNCT
asfbr-2216	262	180	0.884	0.884	NUM
asfbr-2216	262	181	)	)	PUNCT
asfbr-2216	262	182	trainads	trainad	NOUN
asfbr-2216	262	183	-0.001	-0.001	PUNCT
asfbr-2216	262	184	(	(	PUNCT
asfbr-2216	262	185	0.765	0.765	NUM
asfbr-2216	262	186	)	)	PUNCT
asfbr-2216	262	187	-0.002	-0.002	PUNCT
asfbr-2216	262	188	(	(	PUNCT
asfbr-2216	262	189	0.765	0.765	NUM
asfbr-2216	262	190	)	)	PUNCT
asfbr-2216	262	191	-0.004	-0.004	PUNCT
asfbr-2216	262	192	(	(	PUNCT
asfbr-2216	262	193	0.765	0.765	NUM
asfbr-2216	262	194	)	)	PUNCT
asfbr-2216	262	195	0.003	0.003	NUM
asfbr-2216	262	196	(	(	PUNCT
asfbr-2216	262	197	0.765	0.765	NUM
asfbr-2216	262	198	)	)	PUNCT
asfbr-2216	262	199	0.004	0.004	NUM
asfbr-2216	262	200	(	(	PUNCT
asfbr-2216	262	201	0.765	0.765	NUM
asfbr-2216	262	202	)	)	PUNCT
asfbr-2216	262	203	-0.007	-0.007	PUNCT
asfbr-2216	262	204	(	(	PUNCT
asfbr-2216	262	205	0.097	0.097	NUM
asfbr-2216	262	206	)	)	PUNCT
asfbr-2216	262	207	-0.013	-0.013	PUNCT
asfbr-2216	262	208	(	(	PUNCT
asfbr-2216	262	209	0.094	0.094	NUM
asfbr-2216	262	210	)	)	PUNCT
asfbr-2216	262	211	-0.024	-0.024	X
asfbr-2216	262	212	(	(	PUNCT
asfbr-2216	262	213	0.094	0.094	NUM
asfbr-2216	262	214	)	)	PUNCT
asfbr-2216	262	215	0.020	0.020	NUM
asfbr-2216	262	216	(	(	PUNCT
asfbr-2216	262	217	0.095	0.095	NUM
asfbr-2216	262	218	)	)	PUNCT
asfbr-2216	262	219	0.024	0.024	NUM
asfbr-2216	262	220	(	(	PUNCT
asfbr-2216	262	221	0.094	0.094	NUM
asfbr-2216	262	222	)	)	PUNCT
asfbr-2216	262	223	none	none	NOUN
asfbr-2216	262	224	0.010	0.010	NUM
asfbr-2216	262	225	(	(	PUNCT
asfbr-2216	262	226	0.010	0.010	NUM
asfbr-2216	262	227	)	)	PUNCT
asfbr-2216	262	228	0.018	0.018	NUM
asfbr-2216	262	229	(	(	PUNCT
asfbr-2216	262	230	0.009	0.009	NUM
asfbr-2216	262	231	)	)	PUNCT
asfbr-2216	262	232	0.029	0.029	NUM
asfbr-2216	262	233	(	(	PUNCT
asfbr-2216	262	234	0.009	0.009	NUM
asfbr-2216	262	235	)	)	PUNCT
asfbr-2216	262	236	-0.025	-0.025	PUNCT
asfbr-2216	262	237	(	(	PUNCT
asfbr-2216	262	238	0.008	0.008	NUM
asfbr-2216	262	239	)	)	PUNCT
asfbr-2216	262	240	-0.032	-0.032	ADP
asfbr-2216	262	241	(	(	PUNCT
asfbr-2216	262	242	0.009	0.009	NUM
asfbr-2216	262	243	)	)	PUNCT
asfbr-2216	262	244	0.006	0.006	NUM
asfbr-2216	262	245	(	(	PUNCT
asfbr-2216	262	246	0.073	0.073	NUM
asfbr-2216	262	247	)	)	PUNCT
asfbr-2216	262	248	0.012	0.012	NUM
asfbr-2216	262	249	(	(	PUNCT
asfbr-2216	262	250	0.067	0.067	NUM
asfbr-2216	262	251	)	)	PUNCT
asfbr-2216	262	252	0.022	0.022	NUM
asfbr-2216	262	253	(	(	PUNCT
asfbr-2216	262	254	0.069	0.069	NUM
asfbr-2216	262	255	)	)	PUNCT
asfbr-2216	262	256	-0.018	-0.018	PUNCT
asfbr-2216	262	257	(	(	PUNCT
asfbr-2216	262	258	0.067	0.067	NUM
asfbr-2216	262	259	)	)	PUNCT
asfbr-2216	262	260	-0.022	-0.022	NOUN
asfbr-2216	262	261	(	(	PUNCT
asfbr-2216	262	262	0.069	0.069	NUM
asfbr-2216	262	263	)	)	PUNCT
asfbr-2216	262	264	deposits	deposit	NOUN
asfbr-2216	262	265	-0.019	-0.019	NOUN
asfbr-2216	262	266	(	(	PUNCT
asfbr-2216	262	267	0.000	0.000	NUM
asfbr-2216	262	268	)	)	PUNCT
asfbr-2216	262	269	-0.035	-0.035	VERB
asfbr-2216	262	270	(	(	PUNCT
asfbr-2216	262	271	0.000	0.000	NUM
asfbr-2216	262	272	)	)	PUNCT
asfbr-2216	262	273	-0.056	-0.056	PUNCT
asfbr-2216	262	274	(	(	PUNCT
asfbr-2216	262	275	0.000	0.000	NUM
asfbr-2216	262	276	)	)	PUNCT
asfbr-2216	262	277	0.047	0.047	NUM
asfbr-2216	262	278	(	(	PUNCT
asfbr-2216	262	279	0.000	0.000	NUM
asfbr-2216	262	280	)	)	PUNCT
asfbr-2216	262	281	0.062	0.062	NUM
asfbr-2216	262	282	(	(	PUNCT
asfbr-2216	262	283	0.000	0.000	NUM
asfbr-2216	262	284	)	)	PUNCT
asfbr-2216	262	285	-0.015	-0.015	PUNCT
asfbr-2216	262	286	(	(	PUNCT
asfbr-2216	262	287	0.000	0.000	NUM
asfbr-2216	262	288	)	)	PUNCT
asfbr-2216	262	289	-0.031	-0.031	NOUN
asfbr-2216	262	290	(	(	PUNCT
asfbr-2216	262	291	0.000	0.000	NUM
asfbr-2216	262	292	)	)	PUNCT
asfbr-2216	262	293	-0.057	-0.057	PUNCT
asfbr-2216	262	294	(	(	PUNCT
asfbr-2216	262	295	0.000	0.000	NUM
asfbr-2216	262	296	)	)	PUNCT
asfbr-2216	262	297	0.047	0.047	NUM
asfbr-2216	262	298	(	(	PUNCT
asfbr-2216	262	299	0.000	0.000	NUM
asfbr-2216	262	300	)	)	PUNCT
asfbr-2216	262	301	0.056	0.056	NUM
asfbr-2216	262	302	(	(	PUNCT
asfbr-2216	262	303	0.000	0.000	NUM
asfbr-2216	262	304	)	)	PUNCT
asfbr-2216	262	305	hloan	hloan	NOUN
asfbr-2216	262	306	-0.016	-0.016	PRON
asfbr-2216	262	307	(	(	PUNCT
asfbr-2216	262	308	0.000	0.000	NUM
asfbr-2216	262	309	)	)	PUNCT
asfbr-2216	262	310	-0.029	-0.029	NOUN
asfbr-2216	262	311	(	(	PUNCT
asfbr-2216	262	312	0.000	0.000	NUM
asfbr-2216	262	313	)	)	PUNCT
asfbr-2216	262	314	-0.047	-0.047	NOUN
asfbr-2216	262	315	(	(	PUNCT
asfbr-2216	262	316	0.000	0.000	NUM
asfbr-2216	262	317	)	)	PUNCT
asfbr-2216	262	318	0.040	0.040	NUM
asfbr-2216	262	319	(	(	PUNCT
asfbr-2216	262	320	0.000	0.000	NUM
asfbr-2216	262	321	)	)	PUNCT
asfbr-2216	262	322	0.052	0.052	NUM
asfbr-2216	262	323	(	(	PUNCT
asfbr-2216	262	324	0.000	0.000	NUM
asfbr-2216	262	325	)	)	PUNCT
asfbr-2216	262	326	-0.008	-0.008	NOUN
asfbr-2216	262	327	(	(	PUNCT
asfbr-2216	262	328	0.021	0.021	NUM
asfbr-2216	262	329	)	)	PUNCT
asfbr-2216	262	330	-0.017	-0.017	X
asfbr-2216	262	331	(	(	PUNCT
asfbr-2216	262	332	0.019	0.019	NUM
asfbr-2216	262	333	)	)	PUNCT
asfbr-2216	262	334	-0.031	-0.031	NUM
asfbr-2216	262	335	(	(	PUNCT
asfbr-2216	262	336	0.018	0.018	NUM
asfbr-2216	262	337	)	)	PUNCT
asfbr-2216	262	338	0.026	0.026	NUM
asfbr-2216	262	339	(	(	PUNCT
asfbr-2216	262	340	0.019	0.019	NUM
asfbr-2216	262	341	)	)	PUNCT
asfbr-2216	262	342	0.031	0.031	NUM
asfbr-2216	262	343	(	(	PUNCT
asfbr-2216	262	344	0.019	0.019	NUM
asfbr-2216	262	345	)	)	PUNCT
asfbr-2216	262	346	insurance	insurance	NOUN
asfbr-2216	262	347	-0.010	-0.010	PUNCT
asfbr-2216	262	348	(	(	PUNCT
asfbr-2216	262	349	0.002	0.002	NUM
asfbr-2216	262	350	)	)	PUNCT
asfbr-2216	262	351	-0.018	-0.018	PUNCT
asfbr-2216	262	352	(	(	PUNCT
asfbr-2216	262	353	0.002	0.002	NUM
asfbr-2216	262	354	)	)	PUNCT
asfbr-2216	262	355	-0.029	-0.029	NOUN
asfbr-2216	262	356	(	(	PUNCT
asfbr-2216	262	357	0.002	0.002	NUM
asfbr-2216	262	358	)	)	PUNCT
asfbr-2216	262	359	0.024	0.024	NUM
asfbr-2216	262	360	(	(	PUNCT
asfbr-2216	262	361	0.002	0.002	NUM
asfbr-2216	262	362	)	)	PUNCT
asfbr-2216	262	363	0.032	0.032	NUM
asfbr-2216	262	364	(	(	PUNCT
asfbr-2216	262	365	0.002	0.002	NUM
asfbr-2216	262	366	)	)	PUNCT
asfbr-2216	262	367	-0.008	-0.008	NOUN
asfbr-2216	262	368	(	(	PUNCT
asfbr-2216	262	369	0.005	0.005	NUM
asfbr-2216	262	370	)	)	PUNCT
asfbr-2216	262	371	-0.016	-0.016	X
asfbr-2216	262	372	(	(	PUNCT
asfbr-2216	262	373	0.005	0.005	NUM
asfbr-2216	262	374	)	)	PUNCT
asfbr-2216	262	375	-0.030	-0.030	PUNCT
asfbr-2216	262	376	(	(	PUNCT
asfbr-2216	262	377	0.005	0.005	NUM
asfbr-2216	262	378	)	)	PUNCT
asfbr-2216	262	379	0.024	0.024	NUM
asfbr-2216	262	380	(	(	PUNCT
asfbr-2216	262	381	0.005	0.005	NUM
asfbr-2216	262	382	)	)	PUNCT
asfbr-2216	262	383	0.029	0.029	NUM
asfbr-2216	262	384	(	(	PUNCT
asfbr-2216	262	385	0.005	0.005	NUM
asfbr-2216	262	386	)	)	PUNCT
asfbr-2216	262	387	note	note	NOUN
asfbr-2216	262	388	.	.	PUNCT
asfbr-2216	263	1	values	value	NOUN
asfbr-2216	263	2	in	in	ADP
asfbr-2216	263	3	parentheses	parenthesis	NOUN
asfbr-2216	263	4	are	be	AUX
asfbr-2216	263	5	p	p	NOUN
asfbr-2216	263	6	-	-	PUNCT
asfbr-2216	263	7	values	value	NOUN
asfbr-2216	263	8	.	.	PUNCT
asfbr-2216	264	1	the	the	DET
asfbr-2216	264	2	influence	influence	NOUN
asfbr-2216	264	3	of	of	ADP
asfbr-2216	264	4	the	the	DET
asfbr-2216	264	5	benefits	benefit	NOUN
asfbr-2216	264	6	received	receive	VERB
asfbr-2216	264	7	by	by	ADP
asfbr-2216	264	8	customers	customer	NOUN
asfbr-2216	264	9	on	on	ADP
asfbr-2216	264	10	their	their	PRON
asfbr-2216	264	11	satisfaction	satisfaction	NOUN
asfbr-2216	264	12	with	with	ADP
asfbr-2216	264	13	the	the	DET
asfbr-2216	264	14	financial	financial	ADJ
asfbr-2216	264	15	institution	institution	NOUN
asfbr-2216	264	16	is	be	AUX
asfbr-2216	264	17	gauged	gauge	VERB
asfbr-2216	264	18	by	by	ADP
asfbr-2216	264	19	examining	examine	VERB
asfbr-2216	264	20	the	the	DET
asfbr-2216	264	21	channels	channel	NOUN
asfbr-2216	264	22	through	through	ADP
asfbr-2216	264	23	which	which	PRON
asfbr-2216	264	24	they	they	PRON
asfbr-2216	264	25	contacted	contact	VERB
asfbr-2216	264	26	the	the	DET
asfbr-2216	264	27	institution	institution	NOUN
asfbr-2216	264	28	within	within	ADP
asfbr-2216	264	29	one	one	NUM
asfbr-2216	264	30	year	year	NOUN
asfbr-2216	264	31	.	.	PUNCT
asfbr-2216	265	1	the	the	DET
asfbr-2216	265	2	results	result	NOUN
asfbr-2216	265	3	of	of	ADP
asfbr-2216	265	4	the	the	DET
asfbr-2216	265	5	overall	overall	ADJ
asfbr-2216	265	6	estimation	estimation	NOUN
asfbr-2216	265	7	are	be	AUX
asfbr-2216	265	8	consistent	consistent	ADJ
asfbr-2216	265	9	with	with	ADP
asfbr-2216	265	10	those	those	PRON
asfbr-2216	265	11	of	of	ADP
asfbr-2216	265	12	the	the	DET
asfbr-2216	265	13	two	two	NUM
asfbr-2216	265	14	-	-	PUNCT
asfbr-2216	265	15	year	year	NOUN
asfbr-2216	265	16	estimates	estimate	NOUN
asfbr-2216	265	17	,	,	PUNCT
asfbr-2216	265	18	with	with	ADP
asfbr-2216	265	19	staff	staff	NOUN
asfbr-2216	265	20	(	(	PUNCT
asfbr-2216	265	21	staff	staff	NOUN
asfbr-2216	265	22	)	)	PUNCT
asfbr-2216	265	23	and	and	CCONJ
asfbr-2216	265	24	call	call	VERB
asfbr-2216	265	25	centers	center	NOUN
asfbr-2216	265	26	(	(	PUNCT
asfbr-2216	265	27	callcenter	callcenter	NOUN
asfbr-2216	265	28	)	)	PUNCT
asfbr-2216	265	29	having	have	VERB
asfbr-2216	265	30	a	a	DET
asfbr-2216	265	31	significant	significant	ADJ
asfbr-2216	265	32	impact	impact	NOUN
asfbr-2216	265	33	(	(	PUNCT
asfbr-2216	265	34	p	p	X
asfbr-2216	265	35	<	<	X
asfbr-2216	265	36	0.01	0.01	NUM
asfbr-2216	265	37	)	)	PUNCT
asfbr-2216	265	38	in	in	ADP
asfbr-2216	265	39	both	both	DET
asfbr-2216	265	40	2019	2019	NUM
asfbr-2216	265	41	and	and	CCONJ
asfbr-2216	265	42	2020	2020	NUM
asfbr-2216	265	43	.	.	PUNCT
asfbr-2216	266	1	as	as	SCONJ
asfbr-2216	266	2	anticipated	anticipate	VERB
asfbr-2216	266	3	,	,	PUNCT
asfbr-2216	266	4	investment	investment	NOUN
asfbr-2216	266	5	-	-	PUNCT
asfbr-2216	266	6	related	relate	VERB
asfbr-2216	266	7	products	product	NOUN
asfbr-2216	266	8	possess	possess	VERB
asfbr-2216	266	9	intricate	intricate	ADJ
asfbr-2216	266	10	content	content	NOUN
asfbr-2216	266	11	,	,	PUNCT
asfbr-2216	266	12	rendering	render	VERB
asfbr-2216	266	13	direct	direct	ADJ
asfbr-2216	266	14	human	human	ADJ
asfbr-2216	266	15	contact	contact	NOUN
asfbr-2216	266	16	with	with	ADP
asfbr-2216	266	17	customers	customer	NOUN
asfbr-2216	266	18	a	a	DET
asfbr-2216	266	19	productive	productive	ADJ
asfbr-2216	266	20	strategy	strategy	NOUN
asfbr-2216	266	21	for	for	ADP
asfbr-2216	266	22	enhancing	enhance	VERB
asfbr-2216	266	23	customer	customer	NOUN
asfbr-2216	266	24	satisfaction	satisfaction	NOUN
asfbr-2216	266	25	.	.	PUNCT
asfbr-2216	267	1	furthermore	furthermore	ADV
asfbr-2216	267	2	,	,	PUNCT
asfbr-2216	267	3	contact	contact	NOUN
asfbr-2216	267	4	via	via	ADP
asfbr-2216	267	5	mori	mori	PROPN
asfbr-2216	267	6	et	et	PROPN
asfbr-2216	267	7	al	al	PROPN
asfbr-2216	267	8	.	.	PROPN
asfbr-2216	267	9	,	,	PUNCT
asfbr-2216	267	10	asian	asian	PROPN
asfbr-2216	267	11	finance	finance	PROPN
asfbr-2216	267	12	&	&	CCONJ
asfbr-2216	267	13	banking	banking	PROPN
asfbr-2216	267	14	review	review	NOUN
asfbr-2216	267	15	8(1	8(1	NOUN
asfbr-2216	267	16	)	)	PUNCT
asfbr-2216	267	17	(	(	PUNCT
asfbr-2216	267	18	2024	2024	NUM
asfbr-2216	267	19	)	)	PUNCT
asfbr-2216	267	20	,	,	PUNCT
asfbr-2216	267	21	1	1	NUM
asfbr-2216	267	22	-	-	SYM
asfbr-2216	267	23	12	12	NUM
asfbr-2216	267	24	9	9	NUM
asfbr-2216	267	25	the	the	DET
asfbr-2216	267	26	website	website	NOUN
asfbr-2216	267	27	(	(	PUNCT
asfbr-2216	267	28	website	website	NOUN
asfbr-2216	267	29	)	)	PUNCT
asfbr-2216	267	30	also	also	ADV
asfbr-2216	267	31	had	have	VERB
asfbr-2216	267	32	a	a	DET
asfbr-2216	267	33	significant	significant	ADJ
asfbr-2216	267	34	impact	impact	NOUN
asfbr-2216	267	35	on	on	ADP
asfbr-2216	267	36	customer	customer	NOUN
asfbr-2216	267	37	satisfaction	satisfaction	NOUN
asfbr-2216	267	38	(	(	PUNCT
asfbr-2216	267	39	p	p	X
asfbr-2216	267	40	<	<	X
asfbr-2216	267	41	0.01	0.01	NUM
asfbr-2216	267	42	)	)	PUNCT
asfbr-2216	267	43	,	,	PUNCT
asfbr-2216	267	44	as	as	SCONJ
asfbr-2216	267	45	it	it	PRON
asfbr-2216	267	46	allows	allow	VERB
asfbr-2216	267	47	for	for	ADP
asfbr-2216	267	48	the	the	DET
asfbr-2216	267	49	communication	communication	NOUN
asfbr-2216	267	50	of	of	ADP
asfbr-2216	267	51	complex	complex	ADJ
asfbr-2216	267	52	and	and	CCONJ
asfbr-2216	267	53	large	large	ADJ
asfbr-2216	267	54	amounts	amount	NOUN
asfbr-2216	267	55	of	of	ADP
asfbr-2216	267	56	information	information	NOUN
asfbr-2216	267	57	to	to	ADP
asfbr-2216	267	58	customers	customer	NOUN
asfbr-2216	267	59	via	via	ADP
asfbr-2216	267	60	the	the	DET
asfbr-2216	267	61	website	website	NOUN
asfbr-2216	267	62	,	,	PUNCT
asfbr-2216	267	63	which	which	PRON
asfbr-2216	267	64	is	be	AUX
asfbr-2216	267	65	also	also	ADV
asfbr-2216	267	66	effective	effective	ADJ
asfbr-2216	267	67	in	in	ADP
asfbr-2216	267	68	improving	improve	VERB
asfbr-2216	267	69	satisfaction	satisfaction	NOUN
asfbr-2216	267	70	.	.	PUNCT
asfbr-2216	268	1	conversely	conversely	ADV
asfbr-2216	268	2	,	,	PUNCT
asfbr-2216	268	3	train	train	NOUN
asfbr-2216	268	4	ads	ad	NOUN
asfbr-2216	268	5	and	and	CCONJ
asfbr-2216	268	6	direct	direct	ADJ
asfbr-2216	268	7	mail	mail	NOUN
asfbr-2216	268	8	(	(	PUNCT
asfbr-2216	268	9	trainads	trainad	NOUN
asfbr-2216	268	10	)	)	PUNCT
asfbr-2216	268	11	are	be	AUX
asfbr-2216	268	12	significant	significant	ADJ
asfbr-2216	268	13	in	in	ADP
asfbr-2216	268	14	the	the	DET
asfbr-2216	268	15	overall	overall	ADJ
asfbr-2216	268	16	estimate	estimate	NOUN
asfbr-2216	268	17	but	but	CCONJ
asfbr-2216	268	18	not	not	PART
asfbr-2216	268	19	for	for	ADP
asfbr-2216	268	20	investment	investment	NOUN
asfbr-2216	268	21	-	-	PUNCT
asfbr-2216	268	22	related	relate	VERB
asfbr-2216	268	23	products	product	NOUN
asfbr-2216	268	24	.	.	PUNCT
asfbr-2216	269	1	events	event	NOUN
asfbr-2216	269	2	and	and	CCONJ
asfbr-2216	269	3	seminars	seminar	NOUN
asfbr-2216	269	4	(	(	PUNCT
asfbr-2216	269	5	events	event	NOUN
asfbr-2216	269	6	)	)	PUNCT
asfbr-2216	269	7	and	and	CCONJ
asfbr-2216	269	8	pop	pop	VERB
asfbr-2216	269	9	-	-	PUNCT
asfbr-2216	269	10	up	up	ADP
asfbr-2216	269	11	ads	ad	NOUN
asfbr-2216	269	12	and	and	CCONJ
asfbr-2216	269	13	tv	tv	NOUN
asfbr-2216	269	14	online	online	ADJ
asfbr-2216	269	15	ads	ad	NOUN
asfbr-2216	269	16	(	(	PUNCT
asfbr-2216	269	17	pop	pop	VERB
asfbr-2216	269	18	-	-	PUNCT
asfbr-2216	269	19	up	up	NOUN
asfbr-2216	269	20	)	)	PUNCT
asfbr-2216	269	21	are	be	AUX
asfbr-2216	269	22	significant	significant	ADJ
asfbr-2216	269	23	in	in	ADP
asfbr-2216	269	24	the	the	DET
asfbr-2216	269	25	overall	overall	ADJ
asfbr-2216	269	26	estimate	estimate	NOUN
asfbr-2216	269	27	,	,	PUNCT
asfbr-2216	269	28	but	but	CCONJ
asfbr-2216	269	29	not	not	PART
asfbr-2216	269	30	for	for	ADP
asfbr-2216	269	31	investment	investment	NOUN
asfbr-2216	269	32	-	-	PUNCT
asfbr-2216	269	33	related	relate	VERB
asfbr-2216	269	34	products	product	NOUN
asfbr-2216	269	35	.	.	PUNCT
asfbr-2216	270	1	given	give	VERB
asfbr-2216	270	2	the	the	DET
asfbr-2216	270	3	nature	nature	NOUN
asfbr-2216	270	4	of	of	ADP
asfbr-2216	270	5	the	the	DET
asfbr-2216	270	6	products	product	NOUN
asfbr-2216	270	7	,	,	PUNCT
asfbr-2216	270	8	namely	namely	ADV
asfbr-2216	270	9	investment	investment	NOUN
asfbr-2216	270	10	-	-	PUNCT
asfbr-2216	270	11	related	relate	VERB
asfbr-2216	270	12	products	product	NOUN
asfbr-2216	270	13	,	,	PUNCT
asfbr-2216	270	14	social	social	ADJ
asfbr-2216	270	15	networking	networking	NOUN
asfbr-2216	270	16	and	and	CCONJ
asfbr-2216	270	17	train	train	NOUN
asfbr-2216	270	18	advertising	advertising	NOUN
asfbr-2216	270	19	did	do	AUX
asfbr-2216	270	20	not	not	PART
asfbr-2216	270	21	significantly	significantly	ADV
asfbr-2216	270	22	impact	impact	VERB
asfbr-2216	270	23	customer	customer	NOUN
asfbr-2216	270	24	satisfaction	satisfaction	NOUN
asfbr-2216	270	25	.	.	PUNCT
asfbr-2216	271	1	another	another	DET
asfbr-2216	271	2	factor	factor	NOUN
asfbr-2216	271	3	that	that	PRON
asfbr-2216	271	4	may	may	AUX
asfbr-2216	271	5	have	have	AUX
asfbr-2216	271	6	influenced	influence	VERB
asfbr-2216	271	7	the	the	DET
asfbr-2216	271	8	results	result	NOUN
asfbr-2216	271	9	in	in	ADP
asfbr-2216	271	10	2020	2020	NUM
asfbr-2216	271	11	was	be	AUX
asfbr-2216	271	12	the	the	DET
asfbr-2216	271	13	difficulty	difficulty	NOUN
asfbr-2216	271	14	in	in	ADP
asfbr-2216	271	15	reaching	reach	VERB
asfbr-2216	271	16	customers	customer	NOUN
asfbr-2216	271	17	due	due	ADJ
asfbr-2216	271	18	to	to	ADP
asfbr-2216	271	19	the	the	DET
asfbr-2216	271	20	global	global	ADJ
asfbr-2216	271	21	pandemic	pandemic	NOUN
asfbr-2216	271	22	caused	cause	VERB
asfbr-2216	271	23	by	by	ADP
asfbr-2216	271	24	the	the	DET
asfbr-2216	271	25	novel	novel	ADJ
asfbr-2216	271	26	coronavirus	coronavirus	NOUN
asfbr-2216	271	27	,	,	PUNCT
asfbr-2216	271	28	covid-19	covid-19	PROPN
asfbr-2216	271	29	.	.	PUNCT
asfbr-2216	272	1	the	the	DET
asfbr-2216	272	2	marginal	marginal	ADJ
asfbr-2216	272	3	effect	effect	NOUN
asfbr-2216	272	4	estimates	estimate	NOUN
asfbr-2216	272	5	in	in	ADP
asfbr-2216	272	6	table	table	NOUN
asfbr-2216	272	7	7	7	NUM
asfbr-2216	272	8	demonstrate	demonstrate	VERB
asfbr-2216	272	9	that	that	SCONJ
asfbr-2216	272	10	for	for	ADP
asfbr-2216	272	11	benefits	benefit	NOUN
asfbr-2216	272	12	received	receive	VERB
asfbr-2216	272	13	by	by	ADP
asfbr-2216	272	14	customers	customer	NOUN
asfbr-2216	272	15	,	,	PUNCT
asfbr-2216	272	16	staff	staff	NOUN
asfbr-2216	272	17	(	(	PUNCT
asfbr-2216	272	18	staff	staff	NOUN
asfbr-2216	272	19	)	)	PUNCT
asfbr-2216	272	20	,	,	PUNCT
asfbr-2216	272	21	call	call	NOUN
asfbr-2216	272	22	center	center	NOUN
asfbr-2216	272	23	(	(	PUNCT
asfbr-2216	272	24	callcenter	callcenter	NOUN
asfbr-2216	272	25	)	)	PUNCT
asfbr-2216	272	26	,	,	PUNCT
asfbr-2216	272	27	and	and	CCONJ
asfbr-2216	272	28	contact	contact	NOUN
asfbr-2216	272	29	via	via	ADP
asfbr-2216	272	30	the	the	DET
asfbr-2216	272	31	website	website	NOUN
asfbr-2216	272	32	(	(	PUNCT
asfbr-2216	272	33	website	website	NOUN
asfbr-2216	272	34	)	)	PUNCT
asfbr-2216	272	35	in	in	ADP
asfbr-2216	272	36	2019	2019	NUM
asfbr-2216	272	37	and	and	CCONJ
asfbr-2216	272	38	2020	2020	NUM
asfbr-2216	272	39	,	,	PUNCT
asfbr-2216	272	40	the	the	DET
asfbr-2216	272	41	marginal	marginal	ADJ
asfbr-2216	272	42	effects	effect	NOUN
asfbr-2216	272	43	for	for	ADP
asfbr-2216	272	44	"	"	PUNCT
asfbr-2216	272	45	satisfied	satisfied	ADJ
asfbr-2216	272	46	"	"	PUNCT
asfbr-2216	272	47	and	and	CCONJ
asfbr-2216	272	48	"	"	PUNCT
asfbr-2216	272	49	very	very	ADV
asfbr-2216	272	50	satisfied	satisfied	ADJ
asfbr-2216	272	51	"	"	PUNCT
asfbr-2216	272	52	were	be	AUX
asfbr-2216	272	53	positive	positive	ADJ
asfbr-2216	272	54	and	and	CCONJ
asfbr-2216	272	55	significant	significant	ADJ
asfbr-2216	272	56	in	in	ADP
asfbr-2216	272	57	both	both	DET
asfbr-2216	272	58	years	year	NOUN
asfbr-2216	272	59	.	.	PUNCT
asfbr-2216	273	1	furthermore	furthermore	ADV
asfbr-2216	273	2	,	,	PUNCT
asfbr-2216	273	3	the	the	DET
asfbr-2216	273	4	marginal	marginal	ADJ
asfbr-2216	273	5	effect	effect	NOUN
asfbr-2216	273	6	for	for	ADP
asfbr-2216	273	7	"	"	PUNCT
asfbr-2216	273	8	very	very	ADV
asfbr-2216	273	9	satisfied	satisfied	ADJ
asfbr-2216	273	10	"	"	PUNCT
asfbr-2216	273	11	was	be	AUX
asfbr-2216	273	12	higher	high	ADJ
asfbr-2216	273	13	than	than	ADP
asfbr-2216	273	14	for	for	ADP
asfbr-2216	273	15	"	"	PUNCT
asfbr-2216	273	16	satisfied	satisfied	ADJ
asfbr-2216	273	17	.	.	PUNCT
asfbr-2216	273	18	"	"	PUNCT
asfbr-2216	274	1	the	the	DET
asfbr-2216	274	2	results	result	NOUN
asfbr-2216	274	3	indicated	indicate	VERB
asfbr-2216	274	4	a	a	DET
asfbr-2216	274	5	positive	positive	ADJ
asfbr-2216	274	6	and	and	CCONJ
asfbr-2216	274	7	significant	significant	ADJ
asfbr-2216	274	8	marginal	marginal	ADJ
asfbr-2216	274	9	effect	effect	NOUN
asfbr-2216	274	10	for	for	ADP
asfbr-2216	274	11	train	train	NOUN
asfbr-2216	274	12	ads	ad	NOUN
asfbr-2216	274	13	and	and	CCONJ
asfbr-2216	274	14	direct	direct	ADJ
asfbr-2216	274	15	mail	mail	NOUN
asfbr-2216	274	16	(	(	PUNCT
asfbr-2216	274	17	trainads	trainad	NOUN
asfbr-2216	274	18	)	)	PUNCT
asfbr-2216	274	19	in	in	ADP
asfbr-2216	274	20	2020	2020	NUM
asfbr-2216	274	21	about	about	ADP
asfbr-2216	274	22	the	the	DET
asfbr-2216	274	23	categories	category	NOUN
asfbr-2216	274	24	of	of	ADP
asfbr-2216	274	25	"	"	PUNCT
asfbr-2216	274	26	satisfied	satisfied	ADJ
asfbr-2216	274	27	"	"	PUNCT
asfbr-2216	274	28	and	and	CCONJ
asfbr-2216	274	29	"	"	PUNCT
asfbr-2216	274	30	very	very	ADV
asfbr-2216	274	31	satisfied	satisfied	ADJ
asfbr-2216	274	32	.	.	PUNCT
asfbr-2216	274	33	"	"	PUNCT
asfbr-2216	275	1	the	the	DET
asfbr-2216	275	2	marginal	marginal	ADJ
asfbr-2216	275	3	effects	effect	NOUN
asfbr-2216	275	4	for	for	ADP
asfbr-2216	275	5	the	the	DET
asfbr-2216	275	6	categories	category	NOUN
asfbr-2216	275	7	"	"	PUNCT
asfbr-2216	275	8	satisfied	satisfied	ADJ
asfbr-2216	275	9	"	"	PUNCT
asfbr-2216	275	10	and	and	CCONJ
asfbr-2216	275	11	"	"	PUNCT
asfbr-2216	275	12	very	very	ADV
asfbr-2216	275	13	satisfied	satisfied	ADJ
asfbr-2216	275	14	"	"	PUNCT
asfbr-2216	275	15	for	for	ADP
asfbr-2216	275	16	events	event	NOUN
asfbr-2216	275	17	and	and	CCONJ
asfbr-2216	275	18	seminars	seminar	NOUN
asfbr-2216	275	19	(	(	PUNCT
asfbr-2216	275	20	events	event	NOUN
asfbr-2216	275	21	)	)	PUNCT
asfbr-2216	275	22	and	and	CCONJ
asfbr-2216	275	23	popup	popup	NOUN
asfbr-2216	275	24	and	and	CCONJ
asfbr-2216	275	25	tv	tv	NOUN
asfbr-2216	275	26	online	online	ADJ
asfbr-2216	275	27	advertising	advertising	NOUN
asfbr-2216	275	28	(	(	PUNCT
asfbr-2216	275	29	pop	pop	VERB
asfbr-2216	275	30	-	-	PUNCT
asfbr-2216	275	31	up	up	NOUN
asfbr-2216	275	32	)	)	PUNCT
asfbr-2216	275	33	were	be	AUX
asfbr-2216	275	34	not	not	PART
asfbr-2216	275	35	significant	significant	ADJ
asfbr-2216	275	36	in	in	ADP
asfbr-2216	275	37	the	the	DET
asfbr-2216	275	38	model	model	NOUN
asfbr-2216	275	39	estimates	estimate	NOUN
asfbr-2216	275	40	for	for	ADP
asfbr-2216	275	41	both	both	DET
asfbr-2216	275	42	2019	2019	NUM
asfbr-2216	275	43	and	and	CCONJ
asfbr-2216	275	44	2020	2020	NUM
asfbr-2216	275	45	.	.	PUNCT
asfbr-2216	276	1	the	the	DET
asfbr-2216	276	2	marginal	marginal	ADJ
asfbr-2216	276	3	effects	effect	NOUN
asfbr-2216	276	4	were	be	AUX
asfbr-2216	276	5	insignificant	insignificant	ADJ
asfbr-2216	276	6	for	for	ADP
asfbr-2216	276	7	the	the	DET
asfbr-2216	276	8	model	model	NOUN
asfbr-2216	276	9	estimates	estimate	NOUN
asfbr-2216	276	10	of	of	ADP
asfbr-2216	276	11	"	"	PUNCT
asfbr-2216	276	12	satisfied	satisfied	ADJ
asfbr-2216	276	13	"	"	PUNCT
asfbr-2216	276	14	and	and	CCONJ
asfbr-2216	276	15	"	"	PUNCT
asfbr-2216	276	16	very	very	ADV
asfbr-2216	276	17	satisfied	satisfied	ADJ
asfbr-2216	276	18	.	.	PUNCT
asfbr-2216	276	19	"	"	PUNCT
asfbr-2216	277	1	the	the	DET
asfbr-2216	277	2	results	result	NOUN
asfbr-2216	277	3	of	of	ADP
asfbr-2216	277	4	the	the	DET
asfbr-2216	277	5	marginal	marginal	ADJ
asfbr-2216	277	6	above	above	ADP
asfbr-2216	277	7	impact	impact	NOUN
asfbr-2216	277	8	indicate	indicate	VERB
asfbr-2216	277	9	that	that	SCONJ
asfbr-2216	277	10	customer	customer	NOUN
asfbr-2216	277	11	satisfaction	satisfaction	NOUN
asfbr-2216	277	12	with	with	ADP
asfbr-2216	277	13	investment	investment	NOUN
asfbr-2216	277	14	-	-	PUNCT
asfbr-2216	277	15	related	relate	VERB
asfbr-2216	277	16	products	product	NOUN
asfbr-2216	277	17	is	be	AUX
asfbr-2216	277	18	positively	positively	ADV
asfbr-2216	277	19	correlated	correlate	VERB
asfbr-2216	277	20	with	with	ADP
asfbr-2216	277	21	higher	high	ADJ
asfbr-2216	277	22	levels	level	NOUN
asfbr-2216	277	23	of	of	ADP
asfbr-2216	277	24	satisfaction	satisfaction	NOUN
asfbr-2216	277	25	when	when	SCONJ
asfbr-2216	277	26	approached	approach	VERB
asfbr-2216	277	27	directly	directly	ADV
asfbr-2216	277	28	by	by	ADP
asfbr-2216	277	29	regional	regional	ADJ
asfbr-2216	277	30	banks	bank	NOUN
asfbr-2216	277	31	.	.	PUNCT
asfbr-2216	278	1	regional	regional	ADJ
asfbr-2216	278	2	banks	bank	NOUN
asfbr-2216	278	3	are	be	AUX
asfbr-2216	278	4	also	also	ADV
asfbr-2216	278	5	more	more	ADV
asfbr-2216	278	6	proactive	proactive	ADJ
asfbr-2216	278	7	in	in	ADP
asfbr-2216	278	8	approaching	approach	VERB
asfbr-2216	278	9	customers	customer	NOUN
asfbr-2216	278	10	with	with	ADP
asfbr-2216	278	11	investment	investment	NOUN
asfbr-2216	278	12	-	-	PUNCT
asfbr-2216	278	13	related	relate	VERB
asfbr-2216	278	14	products	product	NOUN
asfbr-2216	278	15	,	,	PUNCT
asfbr-2216	278	16	i.e.	i.e.	X
asfbr-2216	278	17	,	,	PUNCT
asfbr-2216	278	18	those	those	PRON
asfbr-2216	278	19	with	with	ADP
asfbr-2216	278	20	higher	high	ADJ
asfbr-2216	278	21	marginal	marginal	ADJ
asfbr-2216	278	22	returns	return	NOUN
asfbr-2216	278	23	per	per	ADP
asfbr-2216	278	24	customer	customer	NOUN
asfbr-2216	278	25	,	,	PUNCT
asfbr-2216	278	26	to	to	PART
asfbr-2216	278	27	increase	increase	VERB
asfbr-2216	278	28	customer	customer	NOUN
asfbr-2216	278	29	satisfaction	satisfaction	NOUN
asfbr-2216	278	30	and	and	CCONJ
asfbr-2216	278	31	loyalty	loyalty	NOUN
asfbr-2216	278	32	.	.	PUNCT
asfbr-2216	279	1	among	among	ADP
asfbr-2216	279	2	the	the	DET
asfbr-2216	279	3	socio	socio	NOUN
asfbr-2216	279	4	-	-	ADJ
asfbr-2216	279	5	demographic	demographic	ADJ
asfbr-2216	279	6	variables	variable	NOUN
asfbr-2216	279	7	,	,	PUNCT
asfbr-2216	279	8	only	only	ADV
asfbr-2216	279	9	age	age	NOUN
asfbr-2216	279	10	(	(	PUNCT
asfbr-2216	279	11	age	age	NOUN
asfbr-2216	279	12	)	)	PUNCT
asfbr-2216	279	13	demonstrated	demonstrate	VERB
asfbr-2216	279	14	a	a	DET
asfbr-2216	279	15	negative	negative	ADJ
asfbr-2216	279	16	effect	effect	NOUN
asfbr-2216	279	17	,	,	PUNCT
asfbr-2216	279	18	as	as	SCONJ
asfbr-2216	279	19	evidenced	evidence	VERB
asfbr-2216	279	20	by	by	ADP
asfbr-2216	279	21	a	a	DET
asfbr-2216	279	22	negative	negative	ADJ
asfbr-2216	279	23	marginal	marginal	ADJ
asfbr-2216	279	24	effect	effect	NOUN
asfbr-2216	279	25	on	on	ADP
asfbr-2216	279	26	satisfaction	satisfaction	NOUN
asfbr-2216	279	27	and	and	CCONJ
asfbr-2216	279	28	a	a	DET
asfbr-2216	279	29	high	high	ADJ
asfbr-2216	279	30	level	level	NOUN
asfbr-2216	279	31	of	of	ADP
asfbr-2216	279	32	satisfaction	satisfaction	NOUN
asfbr-2216	279	33	.	.	PUNCT
asfbr-2216	280	1	this	this	DET
asfbr-2216	280	2	effect	effect	NOUN
asfbr-2216	280	3	was	be	AUX
asfbr-2216	280	4	statistically	statistically	ADV
asfbr-2216	280	5	significant	significant	ADJ
asfbr-2216	280	6	in	in	ADP
asfbr-2216	280	7	the	the	DET
asfbr-2216	280	8	2019	2019	NUM
asfbr-2216	280	9	and	and	CCONJ
asfbr-2216	280	10	2020	2020	NUM
asfbr-2216	280	11	marginal	marginal	ADJ
asfbr-2216	280	12	effect	effect	NOUN
asfbr-2216	280	13	estimates	estimate	NOUN
asfbr-2216	280	14	.	.	PUNCT
asfbr-2216	281	1	nevertheless	nevertheless	ADV
asfbr-2216	281	2	,	,	PUNCT
asfbr-2216	281	3	the	the	DET
asfbr-2216	281	4	effect	effect	NOUN
asfbr-2216	281	5	was	be	AUX
asfbr-2216	281	6	relatively	relatively	ADV
asfbr-2216	281	7	modest	modest	ADJ
asfbr-2216	281	8	in	in	ADP
asfbr-2216	281	9	magnitude	magnitude	NOUN
asfbr-2216	281	10	.	.	PUNCT
asfbr-2216	282	1	the	the	DET
asfbr-2216	282	2	variables	variable	NOUN
asfbr-2216	282	3	gender	gender	NOUN
asfbr-2216	282	4	(	(	PUNCT
asfbr-2216	282	5	gender	gender	NOUN
asfbr-2216	282	6	)	)	PUNCT
asfbr-2216	282	7	,	,	PUNCT
asfbr-2216	282	8	occupation	occupation	NOUN
asfbr-2216	282	9	(	(	PUNCT
asfbr-2216	282	10	occupation	occupation	NOUN
asfbr-2216	282	11	)	)	PUNCT
asfbr-2216	282	12	,	,	PUNCT
asfbr-2216	282	13	and	and	CCONJ
asfbr-2216	282	14	assets	asset	NOUN
asfbr-2216	282	15	held	hold	VERB
asfbr-2216	282	16	(	(	PUNCT
asfbr-2216	282	17	assets	asset	NOUN
asfbr-2216	282	18	)	)	PUNCT
asfbr-2216	282	19	were	be	AUX
asfbr-2216	282	20	all	all	PRON
asfbr-2216	282	21	found	find	VERB
asfbr-2216	282	22	to	to	PART
asfbr-2216	282	23	be	be	AUX
asfbr-2216	282	24	insignificant	insignificant	ADJ
asfbr-2216	282	25	.	.	PUNCT
asfbr-2216	283	1	financial	financial	ADJ
asfbr-2216	283	2	literacy	literacy	NOUN
asfbr-2216	283	3	exhibited	exhibit	VERB
asfbr-2216	283	4	a	a	DET
asfbr-2216	283	5	positive	positive	ADJ
asfbr-2216	283	6	marginal	marginal	ADJ
asfbr-2216	283	7	effect	effect	NOUN
asfbr-2216	283	8	for	for	ADP
asfbr-2216	283	9	2019	2019	NUM
asfbr-2216	283	10	and	and	CCONJ
asfbr-2216	283	11	2020	2020	NUM
asfbr-2216	283	12	regarding	regard	VERB
asfbr-2216	283	13	satisfactory	satisfactory	ADJ
asfbr-2216	283	14	and	and	CCONJ
asfbr-2216	283	15	highly	highly	ADV
asfbr-2216	283	16	satisfactory	satisfactory	ADJ
asfbr-2216	283	17	outcomes	outcome	NOUN
asfbr-2216	283	18	.	.	PUNCT
asfbr-2216	284	1	this	this	DET
asfbr-2216	284	2	result	result	NOUN
asfbr-2216	284	3	suggests	suggest	VERB
asfbr-2216	284	4	that	that	SCONJ
asfbr-2216	284	5	customers	customer	NOUN
asfbr-2216	284	6	with	with	ADP
asfbr-2216	284	7	higher	high	ADJ
asfbr-2216	284	8	levels	level	NOUN
asfbr-2216	284	9	of	of	ADP
asfbr-2216	284	10	financial	financial	ADJ
asfbr-2216	284	11	literacy	literacy	NOUN
asfbr-2216	284	12	are	be	AUX
asfbr-2216	284	13	more	more	ADV
asfbr-2216	284	14	satisfied	satisfied	ADJ
asfbr-2216	284	15	with	with	ADP
asfbr-2216	284	16	the	the	DET
asfbr-2216	284	17	services	service	NOUN
asfbr-2216	284	18	provided	provide	VERB
asfbr-2216	284	19	by	by	ADP
asfbr-2216	284	20	regional	regional	ADJ
asfbr-2216	284	21	banks	bank	NOUN
asfbr-2216	284	22	.	.	PUNCT
asfbr-2216	285	1	nevertheless	nevertheless	ADV
asfbr-2216	285	2	,	,	PUNCT
asfbr-2216	285	3	the	the	DET
asfbr-2216	285	4	effect	effect	NOUN
asfbr-2216	285	5	is	be	AUX
asfbr-2216	285	6	relatively	relatively	ADV
asfbr-2216	285	7	modest	modest	ADJ
asfbr-2216	285	8	in	in	ADP
asfbr-2216	285	9	size	size	NOUN
asfbr-2216	285	10	.	.	PUNCT
asfbr-2216	286	1	this	this	DET
asfbr-2216	286	2	result	result	NOUN
asfbr-2216	286	3	contradicts	contradict	VERB
asfbr-2216	286	4	the	the	DET
asfbr-2216	286	5	overall	overall	ADJ
asfbr-2216	286	6	estimate	estimate	NOUN
asfbr-2216	286	7	,	,	PUNCT
asfbr-2216	286	8	indicating	indicate	VERB
asfbr-2216	286	9	that	that	SCONJ
asfbr-2216	286	10	for	for	ADP
asfbr-2216	286	11	customers	customer	NOUN
asfbr-2216	286	12	with	with	ADP
asfbr-2216	286	13	high	high	ADJ
asfbr-2216	286	14	financial	financial	ADJ
asfbr-2216	286	15	literacy	literacy	NOUN
asfbr-2216	286	16	,	,	PUNCT
asfbr-2216	286	17	the	the	DET
asfbr-2216	286	18	direct	direct	ADJ
asfbr-2216	286	19	approach	approach	NOUN
asfbr-2216	286	20	from	from	ADP
asfbr-2216	286	21	the	the	DET
asfbr-2216	286	22	regional	regional	ADJ
asfbr-2216	286	23	bank	bank	NOUN
asfbr-2216	286	24	positively	positively	ADV
asfbr-2216	286	25	affects	affect	VERB
asfbr-2216	286	26	satisfaction	satisfaction	NOUN
asfbr-2216	286	27	,	,	PUNCT
asfbr-2216	286	28	albeit	albeit	SCONJ
asfbr-2216	286	29	modestly	modestly	ADV
asfbr-2216	286	30	.	.	PUNCT
asfbr-2216	287	1	this	this	DET
asfbr-2216	287	2	result	result	NOUN
asfbr-2216	287	3	implies	imply	VERB
asfbr-2216	287	4	that	that	SCONJ
asfbr-2216	287	5	although	although	SCONJ
asfbr-2216	287	6	customers	customer	NOUN
asfbr-2216	287	7	are	be	AUX
asfbr-2216	287	8	satisfied	satisfied	ADJ
asfbr-2216	287	9	with	with	ADP
asfbr-2216	287	10	the	the	DET
asfbr-2216	287	11	approach	approach	NOUN
asfbr-2216	287	12	from	from	ADP
asfbr-2216	287	13	the	the	DET
asfbr-2216	287	14	regional	regional	ADJ
asfbr-2216	287	15	bank	bank	NOUN
asfbr-2216	287	16	,	,	PUNCT
asfbr-2216	287	17	it	it	PRON
asfbr-2216	287	18	can	can	AUX
asfbr-2216	287	19	not	not	PART
asfbr-2216	287	20	be	be	AUX
asfbr-2216	287	21	ruled	rule	VERB
asfbr-2216	287	22	out	out	ADP
asfbr-2216	287	23	that	that	SCONJ
asfbr-2216	287	24	they	they	PRON
asfbr-2216	287	25	may	may	AUX
asfbr-2216	287	26	be	be	AUX
asfbr-2216	287	27	seeking	seek	VERB
asfbr-2216	287	28	further	further	ADJ
asfbr-2216	287	29	quality	quality	NOUN
asfbr-2216	287	30	improvement	improvement	NOUN
asfbr-2216	287	31	,	,	PUNCT
asfbr-2216	287	32	namely	namely	ADV
asfbr-2216	287	33	a	a	DET
asfbr-2216	287	34	higher	high	ADJ
asfbr-2216	287	35	level	level	NOUN
asfbr-2216	287	36	of	of	ADP
asfbr-2216	287	37	service	service	NOUN
asfbr-2216	287	38	and	and	CCONJ
asfbr-2216	287	39	more	more	ADJ
asfbr-2216	287	40	specialized	specialized	ADJ
asfbr-2216	287	41	advice	advice	NOUN
asfbr-2216	287	42	.	.	PUNCT
asfbr-2216	288	1	discussions	discussion	NOUN
asfbr-2216	288	2	the	the	DET
asfbr-2216	288	3	model	model	NOUN
asfbr-2216	288	4	estimation	estimation	NOUN
asfbr-2216	288	5	in	in	ADP
asfbr-2216	288	6	this	this	DET
asfbr-2216	288	7	study	study	NOUN
asfbr-2216	288	8	demonstrated	demonstrate	VERB
asfbr-2216	288	9	that	that	SCONJ
asfbr-2216	288	10	,	,	PUNCT
asfbr-2216	288	11	in	in	ADP
asfbr-2216	288	12	addition	addition	NOUN
asfbr-2216	288	13	to	to	ADP
asfbr-2216	288	14	direct	direct	ADJ
asfbr-2216	288	15	salesperson	salesperson	PROPN
asfbr-2216	288	16	contact	contact	NOUN
asfbr-2216	288	17	,	,	PUNCT
asfbr-2216	288	18	customer	customer	NOUN
asfbr-2216	288	19	satisfaction	satisfaction	NOUN
asfbr-2216	288	20	was	be	AUX
asfbr-2216	288	21	influenced	influence	VERB
asfbr-2216	288	22	by	by	ADP
asfbr-2216	288	23	various	various	ADJ
asfbr-2216	288	24	demographic	demographic	ADJ
asfbr-2216	288	25	variables	variable	NOUN
asfbr-2216	288	26	,	,	PUNCT
asfbr-2216	288	27	including	include	VERB
asfbr-2216	288	28	age	age	NOUN
asfbr-2216	288	29	,	,	PUNCT
asfbr-2216	288	30	occupational	occupational	ADJ
asfbr-2216	288	31	status	status	NOUN
asfbr-2216	288	32	,	,	PUNCT
asfbr-2216	288	33	total	total	ADJ
asfbr-2216	288	34	financial	financial	ADJ
asfbr-2216	288	35	assets	asset	NOUN
asfbr-2216	288	36	,	,	PUNCT
asfbr-2216	288	37	and	and	CCONJ
asfbr-2216	288	38	financial	financial	ADJ
asfbr-2216	288	39	literacy	literacy	NOUN
asfbr-2216	288	40	.	.	PUNCT
asfbr-2216	289	1	furthermore	furthermore	ADV
asfbr-2216	289	2	,	,	PUNCT
asfbr-2216	289	3	the	the	DET
asfbr-2216	289	4	study	study	NOUN
asfbr-2216	289	5	revealed	reveal	VERB
asfbr-2216	289	6	that	that	SCONJ
asfbr-2216	289	7	the	the	DET
asfbr-2216	289	8	convenience	convenience	NOUN
asfbr-2216	289	9	of	of	ADP
asfbr-2216	289	10	web	web	NOUN
asfbr-2216	289	11	-	-	PUNCT
asfbr-2216	289	12	based	base	VERB
asfbr-2216	289	13	contact	contact	NOUN
asfbr-2216	289	14	also	also	ADV
asfbr-2216	289	15	influenced	influence	VERB
asfbr-2216	289	16	customer	customer	NOUN
asfbr-2216	289	17	satisfaction	satisfaction	NOUN
asfbr-2216	289	18	.	.	PUNCT
asfbr-2216	290	1	conversely	conversely	ADV
asfbr-2216	290	2	,	,	PUNCT
asfbr-2216	290	3	an	an	DET
asfbr-2216	290	4	analysis	analysis	NOUN
asfbr-2216	290	5	of	of	ADP
asfbr-2216	290	6	total	total	ADJ
asfbr-2216	290	7	financial	financial	ADJ
asfbr-2216	290	8	assets	asset	NOUN
asfbr-2216	290	9	and	and	CCONJ
asfbr-2216	290	10	the	the	DET
asfbr-2216	290	11	ownership	ownership	NOUN
asfbr-2216	290	12	of	of	ADP
asfbr-2216	290	13	investment	investment	NOUN
asfbr-2216	290	14	-	-	PUNCT
asfbr-2216	290	15	related	relate	VERB
asfbr-2216	290	16	products	product	NOUN
asfbr-2216	290	17	revealed	reveal	VERB
asfbr-2216	290	18	that	that	SCONJ
asfbr-2216	290	19	customers	customer	NOUN
asfbr-2216	290	20	with	with	ADP
asfbr-2216	290	21	higher	high	ADJ
asfbr-2216	290	22	financial	financial	ADJ
asfbr-2216	290	23	assets	asset	NOUN
asfbr-2216	290	24	and	and	CCONJ
asfbr-2216	290	25	those	those	PRON
asfbr-2216	290	26	with	with	ADP
asfbr-2216	290	27	investment	investment	NOUN
asfbr-2216	290	28	-	-	PUNCT
asfbr-2216	290	29	related	relate	VERB
asfbr-2216	290	30	products	product	NOUN
asfbr-2216	290	31	exhibited	exhibit	VERB
asfbr-2216	290	32	a	a	DET
asfbr-2216	290	33	more	more	ADV
asfbr-2216	290	34	pronounced	pronounce	VERB
asfbr-2216	290	35	impact	impact	NOUN
asfbr-2216	290	36	on	on	ADP
asfbr-2216	290	37	satisfaction	satisfaction	NOUN
asfbr-2216	290	38	.	.	PUNCT
asfbr-2216	291	1	in	in	ADP
asfbr-2216	291	2	particular	particular	ADJ
asfbr-2216	291	3	,	,	PUNCT
asfbr-2216	291	4	contacts	contact	NOUN
asfbr-2216	291	5	from	from	ADP
asfbr-2216	291	6	staff	staff	NOUN
asfbr-2216	291	7	and	and	CCONJ
asfbr-2216	291	8	call	call	NOUN
asfbr-2216	291	9	centers	center	NOUN
asfbr-2216	291	10	were	be	AUX
asfbr-2216	291	11	a	a	DET
asfbr-2216	291	12	positive	positive	ADJ
asfbr-2216	291	13	indicator	indicator	NOUN
asfbr-2216	291	14	,	,	PUNCT
asfbr-2216	291	15	indicating	indicate	VERB
asfbr-2216	291	16	that	that	SCONJ
asfbr-2216	291	17	direct	direct	ADJ
asfbr-2216	291	18	human	human	ADJ
asfbr-2216	291	19	contact	contact	NOUN
asfbr-2216	291	20	was	be	AUX
asfbr-2216	291	21	more	more	ADV
asfbr-2216	291	22	practical	practical	ADJ
asfbr-2216	291	23	for	for	ADP
asfbr-2216	291	24	increasing	increase	VERB
asfbr-2216	291	25	customer	customer	NOUN
asfbr-2216	291	26	satisfaction	satisfaction	NOUN
asfbr-2216	291	27	than	than	ADP
asfbr-2216	291	28	e	e	NOUN
asfbr-2216	291	29	-	-	NOUN
asfbr-2216	291	30	banking	banking	NOUN
asfbr-2216	291	31	,	,	PUNCT
asfbr-2216	291	32	such	such	ADJ
asfbr-2216	291	33	as	as	ADP
asfbr-2216	291	34	social	social	ADJ
asfbr-2216	291	35	networking	networking	NOUN
asfbr-2216	291	36	.	.	PUNCT
asfbr-2216	292	1	this	this	DET
asfbr-2216	292	2	result	result	NOUN
asfbr-2216	292	3	is	be	AUX
asfbr-2216	292	4	related	relate	VERB
asfbr-2216	292	5	to	to	ADP
asfbr-2216	292	6	the	the	DET
asfbr-2216	292	7	specific	specific	ADJ
asfbr-2216	292	8	context	context	NOUN
asfbr-2216	292	9	of	of	ADP
asfbr-2216	292	10	banking	banking	NOUN
asfbr-2216	292	11	service	service	NOUN
asfbr-2216	292	12	provision	provision	NOUN
asfbr-2216	292	13	in	in	ADP
asfbr-2216	292	14	japan	japan	PROPN
asfbr-2216	292	15	,	,	PUNCT
asfbr-2216	292	16	where	where	SCONJ
asfbr-2216	292	17	the	the	DET
asfbr-2216	292	18	continued	continue	VERB
asfbr-2216	292	19	effectiveness	effectiveness	NOUN
asfbr-2216	292	20	of	of	ADP
asfbr-2216	292	21	in	in	ADP
asfbr-2216	292	22	-	-	PUNCT
asfbr-2216	292	23	person	person	NOUN
asfbr-2216	292	24	financial	financial	ADJ
asfbr-2216	292	25	advice	advice	NOUN
asfbr-2216	292	26	from	from	ADP
asfbr-2216	292	27	physical	physical	ADJ
asfbr-2216	292	28	branches	branch	NOUN
asfbr-2216	292	29	,	,	PUNCT
asfbr-2216	292	30	particularly	particularly	ADV
asfbr-2216	292	31	for	for	ADP
asfbr-2216	292	32	customers	customer	NOUN
asfbr-2216	292	33	with	with	ADP
asfbr-2216	292	34	limited	limited	ADJ
asfbr-2216	292	35	financial	financial	ADJ
asfbr-2216	292	36	literacy	literacy	NOUN
asfbr-2216	292	37	,	,	PUNCT
asfbr-2216	292	38	is	be	AUX
asfbr-2216	292	39	particularly	particularly	ADV
asfbr-2216	292	40	evident	evident	ADJ
asfbr-2216	292	41	in	in	ADP
asfbr-2216	292	42	rural	rural	ADJ
asfbr-2216	292	43	areas	area	NOUN
asfbr-2216	292	44	.	.	PUNCT
asfbr-2216	293	1	conclusions	conclusion	NOUN
asfbr-2216	293	2	while	while	SCONJ
asfbr-2216	293	3	we	we	PRON
asfbr-2216	293	4	know	know	VERB
asfbr-2216	293	5	the	the	DET
asfbr-2216	293	6	importance	importance	NOUN
asfbr-2216	293	7	of	of	ADP
asfbr-2216	293	8	e	e	NOUN
asfbr-2216	293	9	-	-	ADJ
asfbr-2216	293	10	banking	banking	ADJ
asfbr-2216	293	11	services	service	NOUN
asfbr-2216	293	12	,	,	PUNCT
asfbr-2216	293	13	this	this	DET
asfbr-2216	293	14	study	study	NOUN
asfbr-2216	293	15	analyzed	analyze	VERB
asfbr-2216	293	16	customer	customer	NOUN
asfbr-2216	293	17	satisfaction	satisfaction	NOUN
asfbr-2216	293	18	with	with	ADP
asfbr-2216	293	19	face	face	NOUN
asfbr-2216	293	20	-	-	PUNCT
asfbr-2216	293	21	to	to	ADP
asfbr-2216	293	22	-	-	PUNCT
asfbr-2216	293	23	face	face	NOUN
asfbr-2216	293	24	financial	financial	ADJ
asfbr-2216	293	25	services	service	NOUN
asfbr-2216	293	26	,	,	PUNCT
asfbr-2216	293	27	which	which	PRON
asfbr-2216	293	28	are	be	AUX
asfbr-2216	293	29	the	the	DET
asfbr-2216	293	30	predominant	predominant	ADJ
asfbr-2216	293	31	type	type	NOUN
asfbr-2216	293	32	of	of	ADP
asfbr-2216	293	33	service	service	NOUN
asfbr-2216	293	34	banks	bank	NOUN
asfbr-2216	293	35	offer	offer	VERB
asfbr-2216	293	36	to	to	ADP
asfbr-2216	293	37	retail	retail	ADJ
asfbr-2216	293	38	customers	customer	NOUN
asfbr-2216	293	39	in	in	ADP
asfbr-2216	293	40	japan	japan	PROPN
asfbr-2216	293	41	.	.	PUNCT
asfbr-2216	294	1	in	in	ADP
asfbr-2216	294	2	particular	particular	ADJ
asfbr-2216	294	3	,	,	PUNCT
asfbr-2216	294	4	we	we	PRON
asfbr-2216	294	5	examined	examine	VERB
asfbr-2216	294	6	the	the	DET
asfbr-2216	294	7	quality	quality	NOUN
asfbr-2216	294	8	of	of	ADP
asfbr-2216	294	9	banking	banking	NOUN
asfbr-2216	294	10	services	service	NOUN
asfbr-2216	294	11	,	,	PUNCT
asfbr-2216	294	12	focusing	focus	VERB
asfbr-2216	294	13	on	on	ADP
asfbr-2216	294	14	the	the	DET
asfbr-2216	294	15	importance	importance	NOUN
asfbr-2216	294	16	of	of	ADP
asfbr-2216	294	17	human	human	ADJ
asfbr-2216	294	18	contact	contact	NOUN
asfbr-2216	294	19	,	,	PUNCT
asfbr-2216	294	20	including	include	VERB
asfbr-2216	294	21	information	information	NOUN
asfbr-2216	294	22	provision	provision	NOUN
asfbr-2216	294	23	and	and	CCONJ
asfbr-2216	294	24	personnel	personnel	NOUN
asfbr-2216	294	25	involvement	involvement	NOUN
asfbr-2216	294	26	.	.	PUNCT
asfbr-2216	295	1	as	as	SCONJ
asfbr-2216	295	2	anticipated	anticipate	VERB
asfbr-2216	295	3	,	,	PUNCT
asfbr-2216	295	4	the	the	DET
asfbr-2216	295	5	results	result	NOUN
asfbr-2216	295	6	demonstrated	demonstrate	VERB
asfbr-2216	295	7	that	that	SCONJ
asfbr-2216	295	8	e	e	NOUN
asfbr-2216	295	9	-	-	ADJ
asfbr-2216	295	10	banking	banking	ADJ
asfbr-2216	295	11	services	service	NOUN
asfbr-2216	295	12	,	,	PUNCT
asfbr-2216	295	13	human	human	ADJ
asfbr-2216	295	14	contact	contact	NOUN
asfbr-2216	295	15	,	,	PUNCT
asfbr-2216	295	16	and	and	CCONJ
asfbr-2216	295	17	investment	investment	NOUN
asfbr-2216	295	18	advice	advice	NOUN
asfbr-2216	295	19	significantly	significantly	ADV
asfbr-2216	295	20	impact	impact	VERB
asfbr-2216	295	21	customer	customer	NOUN
asfbr-2216	295	22	satisfaction	satisfaction	NOUN
asfbr-2216	295	23	.	.	PUNCT
asfbr-2216	296	1	the	the	DET
asfbr-2216	296	2	japanese	japanese	ADJ
asfbr-2216	296	3	banking	banking	NOUN
asfbr-2216	296	4	system	system	NOUN
asfbr-2216	296	5	plays	play	VERB
asfbr-2216	296	6	a	a	DET
asfbr-2216	296	7	more	more	ADV
asfbr-2216	296	8	significant	significant	ADJ
asfbr-2216	296	9	role	role	NOUN
asfbr-2216	296	10	than	than	ADP
asfbr-2216	296	11	direct	direct	ADJ
asfbr-2216	296	12	finance	finance	NOUN
asfbr-2216	296	13	,	,	PUNCT
asfbr-2216	296	14	particularly	particularly	ADV
asfbr-2216	296	15	in	in	ADP
asfbr-2216	296	16	the	the	DET
asfbr-2216	296	17	local	local	ADJ
asfbr-2216	296	18	economy	economy	NOUN
asfbr-2216	296	19	.	.	PUNCT
asfbr-2216	297	1	nevertheless	nevertheless	ADV
asfbr-2216	297	2	,	,	PUNCT
asfbr-2216	297	3	the	the	DET
asfbr-2216	297	4	level	level	NOUN
asfbr-2216	297	5	of	of	ADP
asfbr-2216	297	6	customer	customer	NOUN
asfbr-2216	297	7	satisfaction	satisfaction	NOUN
asfbr-2216	297	8	with	with	ADP
asfbr-2216	297	9	regional	regional	ADJ
asfbr-2216	297	10	banks	bank	NOUN
asfbr-2216	297	11	'	'	PART
asfbr-2216	297	12	retail	retail	ADJ
asfbr-2216	297	13	services	service	NOUN
asfbr-2216	297	14	needs	need	VERB
asfbr-2216	297	15	to	to	PART
asfbr-2216	297	16	be	be	AUX
asfbr-2216	297	17	sufficiently	sufficiently	ADV
asfbr-2216	297	18	examined	examine	VERB
asfbr-2216	297	19	.	.	PUNCT
asfbr-2216	298	1	most	most	ADJ
asfbr-2216	298	2	previous	previous	ADJ
asfbr-2216	298	3	studies	study	NOUN
asfbr-2216	298	4	focus	focus	VERB
asfbr-2216	298	5	on	on	ADP
asfbr-2216	298	6	a	a	DET
asfbr-2216	298	7	single	single	ADJ
asfbr-2216	298	8	bank	bank	NOUN
asfbr-2216	298	9	or	or	CCONJ
asfbr-2216	298	10	employ	employ	VERB
asfbr-2216	298	11	few	few	ADJ
asfbr-2216	298	12	respondents	respondent	NOUN
asfbr-2216	298	13	.	.	PUNCT
asfbr-2216	299	1	this	this	DET
asfbr-2216	299	2	study	study	NOUN
asfbr-2216	299	3	contributes	contribute	VERB
asfbr-2216	299	4	to	to	ADP
asfbr-2216	299	5	the	the	DET
asfbr-2216	299	6	existing	exist	VERB
asfbr-2216	299	7	literature	literature	NOUN
asfbr-2216	299	8	by	by	ADP
asfbr-2216	299	9	focusing	focus	VERB
asfbr-2216	299	10	on	on	ADP
asfbr-2216	299	11	unique	unique	ADJ
asfbr-2216	299	12	data	datum	NOUN
asfbr-2216	299	13	from	from	ADP
asfbr-2216	299	14	a	a	DET
asfbr-2216	299	15	large	large	ADJ
asfbr-2216	299	16	sample	sample	NOUN
asfbr-2216	299	17	of	of	ADP
asfbr-2216	299	18	customers	customer	NOUN
asfbr-2216	299	19	drawn	draw	VERB
asfbr-2216	299	20	from	from	ADP
asfbr-2216	299	21	japanese	japanese	ADJ
asfbr-2216	299	22	regional	regional	ADJ
asfbr-2216	299	23	banks	bank	NOUN
asfbr-2216	299	24	with	with	ADP
asfbr-2216	299	25	an	an	DET
asfbr-2216	299	26	extensive	extensive	ADJ
asfbr-2216	299	27	branch	branch	NOUN
asfbr-2216	299	28	network	network	NOUN
asfbr-2216	299	29	in	in	ADP
asfbr-2216	299	30	rural	rural	ADJ
asfbr-2216	299	31	and	and	CCONJ
asfbr-2216	299	32	urban	urban	ADJ
asfbr-2216	299	33	areas	area	NOUN
asfbr-2216	299	34	.	.	PUNCT
asfbr-2216	300	1	the	the	DET
asfbr-2216	300	2	novel	novel	ADJ
asfbr-2216	300	3	aspect	aspect	NOUN
asfbr-2216	300	4	of	of	ADP
asfbr-2216	300	5	our	our	PRON
asfbr-2216	300	6	research	research	NOUN
asfbr-2216	300	7	approach	approach	NOUN
asfbr-2216	300	8	is	be	AUX
asfbr-2216	300	9	that	that	SCONJ
asfbr-2216	300	10	we	we	PRON
asfbr-2216	300	11	consider	consider	VERB
asfbr-2216	300	12	customer	customer	NOUN
asfbr-2216	300	13	contact	contact	NOUN
asfbr-2216	300	14	as	as	ADP
asfbr-2216	300	15	a	a	DET
asfbr-2216	300	16	determinant	determinant	NOUN
asfbr-2216	300	17	of	of	ADP
asfbr-2216	300	18	customer	customer	NOUN
asfbr-2216	300	19	satisfaction	satisfaction	NOUN
asfbr-2216	300	20	,	,	PUNCT
asfbr-2216	300	21	in	in	ADP
asfbr-2216	300	22	contrast	contrast	NOUN
asfbr-2216	300	23	to	to	ADP
asfbr-2216	300	24	numerous	numerous	ADJ
asfbr-2216	300	25	studies	study	NOUN
asfbr-2216	300	26	that	that	PRON
asfbr-2216	300	27	have	have	AUX
asfbr-2216	300	28	investigated	investigate	VERB
asfbr-2216	300	29	customer	customer	NOUN
asfbr-2216	300	30	satisfaction	satisfaction	NOUN
asfbr-2216	300	31	through	through	ADP
asfbr-2216	300	32	different	different	ADJ
asfbr-2216	300	33	service	service	NOUN
asfbr-2216	300	34	quality	quality	NOUN
asfbr-2216	300	35	dimensions	dimension	NOUN
asfbr-2216	300	36	.	.	PUNCT
asfbr-2216	301	1	moreover	moreover	ADV
asfbr-2216	301	2	,	,	PUNCT
asfbr-2216	301	3	our	our	PRON
asfbr-2216	301	4	study	study	NOUN
asfbr-2216	301	5	incorporates	incorporate	VERB
asfbr-2216	301	6	several	several	ADJ
asfbr-2216	301	7	socio	socio	NOUN
asfbr-2216	301	8	-	-	ADJ
asfbr-2216	301	9	demographic	demographic	ADJ
asfbr-2216	301	10	factors	factor	NOUN
asfbr-2216	301	11	into	into	ADP
asfbr-2216	301	12	the	the	DET
asfbr-2216	301	13	econometric	econometric	ADJ
asfbr-2216	301	14	modeling	modeling	NOUN
asfbr-2216	301	15	as	as	ADP
asfbr-2216	301	16	determinants	determinant	NOUN
asfbr-2216	301	17	of	of	ADP
asfbr-2216	301	18	customer	customer	NOUN
asfbr-2216	301	19	satisfaction	satisfaction	NOUN
asfbr-2216	301	20	.	.	PUNCT
asfbr-2216	302	1	the	the	DET
asfbr-2216	302	2	findings	finding	NOUN
asfbr-2216	302	3	of	of	ADP
asfbr-2216	302	4	this	this	DET
asfbr-2216	302	5	study	study	NOUN
asfbr-2216	302	6	demonstrate	demonstrate	VERB
asfbr-2216	302	7	the	the	DET
asfbr-2216	302	8	significance	significance	NOUN
asfbr-2216	302	9	of	of	ADP
asfbr-2216	302	10	customer	customer	NOUN
asfbr-2216	302	11	satisfaction	satisfaction	NOUN
asfbr-2216	302	12	in	in	ADP
asfbr-2216	302	13	the	the	DET
asfbr-2216	302	14	retail	retail	ADJ
asfbr-2216	302	15	financial	financial	ADJ
asfbr-2216	302	16	sector	sector	NOUN
asfbr-2216	302	17	of	of	ADP
asfbr-2216	302	18	regional	regional	ADJ
asfbr-2216	302	19	banks	bank	NOUN
asfbr-2216	302	20	.	.	PUNCT
asfbr-2216	303	1	in	in	ADP
asfbr-2216	303	2	-	-	PUNCT
asfbr-2216	303	3	person	person	NOUN
asfbr-2216	303	4	financial	financial	ADJ
asfbr-2216	303	5	advice	advice	NOUN
asfbr-2216	303	6	and	and	CCONJ
asfbr-2216	303	7	services	service	NOUN
asfbr-2216	303	8	remain	remain	VERB
asfbr-2216	303	9	a	a	DET
asfbr-2216	303	10	highly	highly	ADV
asfbr-2216	303	11	valued	value	VERB
asfbr-2216	303	12	aspect	aspect	NOUN
asfbr-2216	303	13	of	of	ADP
asfbr-2216	303	14	the	the	DET
asfbr-2216	303	15	industry	industry	NOUN
asfbr-2216	303	16	despite	despite	SCONJ
asfbr-2216	303	17	the	the	DET
asfbr-2216	303	18	growing	grow	VERB
asfbr-2216	303	19	prominence	prominence	NOUN
asfbr-2216	303	20	of	of	ADP
asfbr-2216	303	21	e	e	NOUN
asfbr-2216	303	22	-	-	ADJ
asfbr-2216	303	23	banking	banking	ADJ
asfbr-2216	303	24	services	service	NOUN
asfbr-2216	303	25	.	.	PUNCT
asfbr-2216	304	1	individual	individual	ADJ
asfbr-2216	304	2	customer	customer	NOUN
asfbr-2216	304	3	behavior	behavior	NOUN
asfbr-2216	304	4	is	be	AUX
asfbr-2216	304	5	in	in	ADP
asfbr-2216	304	6	a	a	DET
asfbr-2216	304	7	state	state	NOUN
asfbr-2216	304	8	of	of	ADP
asfbr-2216	304	9	constant	constant	ADJ
asfbr-2216	304	10	flux	flux	NOUN
asfbr-2216	304	11	.	.	PUNCT
asfbr-2216	305	1	as	as	SCONJ
asfbr-2216	305	2	consumers	consumer	NOUN
asfbr-2216	305	3	become	become	VERB
asfbr-2216	305	4	more	more	ADV
asfbr-2216	305	5	informed	informed	ADJ
asfbr-2216	305	6	,	,	PUNCT
asfbr-2216	305	7	financially	financially	ADV
asfbr-2216	305	8	literate	literate	ADJ
asfbr-2216	305	9	,	,	PUNCT
asfbr-2216	305	10	and	and	CCONJ
asfbr-2216	305	11	more	more	ADV
asfbr-2216	305	12	experienced	experienced	ADJ
asfbr-2216	305	13	in	in	ADP
asfbr-2216	305	14	investing	investing	NOUN
asfbr-2216	305	15	,	,	PUNCT
asfbr-2216	305	16	they	they	PRON
asfbr-2216	305	17	will	will	AUX
asfbr-2216	305	18	change	change	VERB
asfbr-2216	305	19	their	their	PRON
asfbr-2216	305	20	investment	investment	NOUN
asfbr-2216	305	21	decisions	decision	NOUN
asfbr-2216	305	22	and	and	CCONJ
asfbr-2216	305	23	risk	risk	NOUN
asfbr-2216	305	24	-	-	PUNCT
asfbr-2216	305	25	taking	take	VERB
asfbr-2216	305	26	levels	level	NOUN
asfbr-2216	305	27	.	.	PUNCT
asfbr-2216	306	1	it	it	PRON
asfbr-2216	306	2	will	will	AUX
asfbr-2216	306	3	be	be	AUX
asfbr-2216	306	4	crucial	crucial	ADJ
asfbr-2216	306	5	for	for	SCONJ
asfbr-2216	306	6	banks	bank	NOUN
asfbr-2216	306	7	to	to	PART
asfbr-2216	306	8	enhance	enhance	VERB
asfbr-2216	306	9	their	their	PRON
asfbr-2216	306	10	financial	financial	ADJ
asfbr-2216	306	11	marketing	marketing	NOUN
asfbr-2216	306	12	techniques	technique	NOUN
asfbr-2216	306	13	,	,	PUNCT
asfbr-2216	306	14	including	include	VERB
asfbr-2216	306	15	identifying	identify	VERB
asfbr-2216	306	16	consumer	consumer	NOUN
asfbr-2216	306	17	profiles	profile	NOUN
asfbr-2216	306	18	,	,	PUNCT
asfbr-2216	306	19	providing	provide	VERB
asfbr-2216	306	20	tailored	tailored	ADJ
asfbr-2216	306	21	services	service	NOUN
asfbr-2216	306	22	,	,	PUNCT
asfbr-2216	306	23	monitoring	monitor	VERB
asfbr-2216	306	24	the	the	DET
asfbr-2216	306	25	factors	factor	NOUN
asfbr-2216	306	26	influencing	influence	VERB
asfbr-2216	306	27	customer	customer	NOUN
asfbr-2216	306	28	satisfaction	satisfaction	NOUN
asfbr-2216	306	29	with	with	ADP
asfbr-2216	306	30	customer	customer	NOUN
asfbr-2216	306	31	service	service	NOUN
asfbr-2216	306	32	,	,	PUNCT
asfbr-2216	306	33	and	and	CCONJ
asfbr-2216	306	34	implementing	implement	VERB
asfbr-2216	306	35	ai	ai	INTJ
asfbr-2216	306	36	in	in	ADP
asfbr-2216	306	37	addressing	address	VERB
asfbr-2216	306	38	customers	customer	NOUN
asfbr-2216	306	39	'	'	PART
asfbr-2216	306	40	financial	financial	ADJ
asfbr-2216	306	41	issues	issue	NOUN
asfbr-2216	306	42	.	.	PUNCT
asfbr-2216	307	1	improving	improve	VERB
asfbr-2216	307	2	customer	customer	NOUN
asfbr-2216	307	3	service	service	NOUN
asfbr-2216	307	4	is	be	AUX
asfbr-2216	307	5	an	an	DET
asfbr-2216	307	6	increasingly	increasingly	ADV
asfbr-2216	307	7	important	important	ADJ
asfbr-2216	307	8	aspect	aspect	NOUN
asfbr-2216	307	9	of	of	ADP
asfbr-2216	307	10	bank	bank	NOUN
asfbr-2216	307	11	management	management	NOUN
asfbr-2216	307	12	strategy	strategy	NOUN
asfbr-2216	307	13	,	,	PUNCT
asfbr-2216	307	14	as	as	SCONJ
asfbr-2216	307	15	it	it	PRON
asfbr-2216	307	16	enhances	enhance	VERB
asfbr-2216	307	17	customer	customer	NOUN
asfbr-2216	307	18	satisfaction	satisfaction	NOUN
asfbr-2216	307	19	and	and	CCONJ
asfbr-2216	307	20	profitability	profitability	NOUN
asfbr-2216	307	21	.	.	PUNCT
asfbr-2216	308	1	mori	mori	PROPN
asfbr-2216	308	2	et	et	PROPN
asfbr-2216	308	3	al	al	PROPN
asfbr-2216	308	4	.	.	PROPN
asfbr-2216	308	5	,	,	PUNCT
asfbr-2216	308	6	asian	asian	PROPN
asfbr-2216	308	7	finance	finance	PROPN
asfbr-2216	308	8	&	&	CCONJ
asfbr-2216	308	9	banking	banking	PROPN
asfbr-2216	308	10	review	review	NOUN
asfbr-2216	308	11	8(1	8(1	NOUN
asfbr-2216	308	12	)	)	PUNCT
asfbr-2216	308	13	(	(	PUNCT
asfbr-2216	308	14	2024	2024	NUM
asfbr-2216	308	15	)	)	PUNCT
asfbr-2216	308	16	,	,	PUNCT
asfbr-2216	308	17	1	1	NUM
asfbr-2216	308	18	-	-	SYM
asfbr-2216	308	19	12	12	NUM
asfbr-2216	308	20	10	10	NUM
asfbr-2216	308	21	although	although	SCONJ
asfbr-2216	308	22	this	this	DET
asfbr-2216	308	23	study	study	NOUN
asfbr-2216	308	24	contributes	contribute	VERB
asfbr-2216	308	25	to	to	ADP
asfbr-2216	308	26	the	the	DET
asfbr-2216	308	27	existing	exist	VERB
asfbr-2216	308	28	literature	literature	NOUN
asfbr-2216	308	29	,	,	PUNCT
asfbr-2216	308	30	it	it	PRON
asfbr-2216	308	31	needs	need	VERB
asfbr-2216	308	32	to	to	PART
asfbr-2216	308	33	be	be	AUX
asfbr-2216	308	34	more	more	ADV
asfbr-2216	308	35	comprehensive	comprehensive	ADJ
asfbr-2216	308	36	in	in	ADP
asfbr-2216	308	37	understanding	understand	VERB
asfbr-2216	308	38	more	more	ADV
asfbr-2216	308	39	detailed	detailed	ADJ
asfbr-2216	308	40	factors	factor	NOUN
asfbr-2216	308	41	such	such	ADJ
asfbr-2216	308	42	as	as	ADP
asfbr-2216	308	43	convenience	convenience	NOUN
asfbr-2216	308	44	,	,	PUNCT
asfbr-2216	308	45	environment	environment	NOUN
asfbr-2216	308	46	,	,	PUNCT
asfbr-2216	308	47	quality	quality	NOUN
asfbr-2216	308	48	,	,	PUNCT
asfbr-2216	308	49	prices	price	NOUN
asfbr-2216	308	50	,	,	PUNCT
asfbr-2216	308	51	and	and	CCONJ
asfbr-2216	308	52	e	e	NOUN
asfbr-2216	308	53	-	-	NOUN
asfbr-2216	308	54	banking	banking	NOUN
asfbr-2216	308	55	.	.	PUNCT
asfbr-2216	309	1	additionally	additionally	ADV
asfbr-2216	309	2	,	,	PUNCT
asfbr-2216	309	3	there	there	PRON
asfbr-2216	309	4	are	be	VERB
asfbr-2216	309	5	limitations	limitation	NOUN
asfbr-2216	309	6	in	in	ADP
asfbr-2216	309	7	understanding	understand	VERB
asfbr-2216	309	8	information	information	NOUN
asfbr-2216	309	9	such	such	ADJ
asfbr-2216	309	10	as	as	ADP
asfbr-2216	309	11	customers	customer	NOUN
asfbr-2216	309	12	'	'	PART
asfbr-2216	309	13	income	income	NOUN
asfbr-2216	309	14	and	and	CCONJ
asfbr-2216	309	15	education	education	NOUN
asfbr-2216	309	16	.	.	PUNCT
asfbr-2216	310	1	consequently	consequently	ADV
asfbr-2216	310	2	,	,	PUNCT
asfbr-2216	310	3	a	a	DET
asfbr-2216	310	4	future	future	ADJ
asfbr-2216	310	5	research	research	NOUN
asfbr-2216	310	6	direction	direction	NOUN
asfbr-2216	310	7	would	would	AUX
asfbr-2216	310	8	be	be	AUX
asfbr-2216	310	9	to	to	PART
asfbr-2216	310	10	consider	consider	VERB
asfbr-2216	310	11	supplementing	supplement	VERB
asfbr-2216	310	12	the	the	DET
asfbr-2216	310	13	data	datum	NOUN
asfbr-2216	310	14	set	set	VERB
asfbr-2216	310	15	with	with	ADP
asfbr-2216	310	16	a	a	DET
asfbr-2216	310	17	data	data	NOUN
asfbr-2216	310	18	set	set	VERB
asfbr-2216	310	19	of	of	ADP
asfbr-2216	310	20	variables	variable	NOUN
asfbr-2216	310	21	that	that	PRON
asfbr-2216	310	22	can	can	AUX
asfbr-2216	310	23	proxy	proxy	VERB
asfbr-2216	310	24	for	for	ADP
asfbr-2216	310	25	these	these	DET
asfbr-2216	310	26	factors	factor	NOUN
asfbr-2216	310	27	.	.	PUNCT
asfbr-2216	311	1	a	a	DET
asfbr-2216	311	2	further	further	ADJ
asfbr-2216	311	3	direction	direction	NOUN
asfbr-2216	311	4	of	of	ADP
asfbr-2216	311	5	this	this	DET
asfbr-2216	311	6	study	study	NOUN
asfbr-2216	311	7	will	will	AUX
asfbr-2216	311	8	be	be	AUX
asfbr-2216	311	9	to	to	PART
asfbr-2216	311	10	provide	provide	VERB
asfbr-2216	311	11	more	more	ADJ
asfbr-2216	311	12	evidence	evidence	NOUN
asfbr-2216	311	13	for	for	ADP
asfbr-2216	311	14	these	these	DET
asfbr-2216	311	15	results	result	NOUN
asfbr-2216	311	16	by	by	ADP
asfbr-2216	311	17	using	use	VERB
asfbr-2216	311	18	e	e	NOUN
asfbr-2216	311	19	-	-	ADJ
asfbr-2216	311	20	banking	banking	ADJ
asfbr-2216	311	21	-	-	PUNCT
asfbr-2216	311	22	specific	specific	ADJ
asfbr-2216	311	23	validation	validation	NOUN
asfbr-2216	311	24	.	.	PUNCT
asfbr-2216	312	1	author	author	NOUN
asfbr-2216	312	2	contributions	contribution	NOUN
asfbr-2216	312	3	:	:	PUNCT
asfbr-2216	312	4	conceptualization	conceptualization	NOUN
asfbr-2216	312	5	,	,	PUNCT
asfbr-2216	312	6	y.m	y.m	PROPN
asfbr-2216	312	7	.	.	PROPN
asfbr-2216	312	8	,	,	PUNCT
asfbr-2216	312	9	y.o	y.o	PROPN
asfbr-2216	312	10	.	.	PROPN
asfbr-2216	312	11	and	and	CCONJ
asfbr-2216	312	12	k.h	k.h	PROPN
asfbr-2216	312	13	.	.	PROPN
asfbr-2216	312	14	;	;	PUNCT
asfbr-2216	312	15	methodology	methodology	PROPN
asfbr-2216	312	16	,	,	PUNCT
asfbr-2216	312	17	y.m	y.m	PROPN
asfbr-2216	312	18	.	.	PROPN
asfbr-2216	312	19	and	and	CCONJ
asfbr-2216	312	20	y.o	y.o	PROPN
asfbr-2216	312	21	.	.	PROPN
asfbr-2216	312	22	;	;	PUNCT
asfbr-2216	313	1	software	software	PROPN
asfbr-2216	313	2	,	,	PUNCT
asfbr-2216	313	3	y.m	y.m	PROPN
asfbr-2216	313	4	.	.	PROPN
asfbr-2216	313	5	and	and	CCONJ
asfbr-2216	313	6	y.o	y.o	PROPN
asfbr-2216	313	7	.	.	PROPN
asfbr-2216	313	8	;	;	PUNCT
asfbr-2216	313	9	validation	validation	NOUN
asfbr-2216	313	10	,	,	PUNCT
asfbr-2216	313	11	y.m	y.m	PROPN
asfbr-2216	313	12	.	.	PROPN
asfbr-2216	313	13	and	and	CCONJ
asfbr-2216	313	14	y.o	y.o	PROPN
asfbr-2216	313	15	.	.	PROPN
asfbr-2216	313	16	;	;	PUNCT
asfbr-2216	313	17	formal	formal	ADJ
asfbr-2216	313	18	analysis	analysis	NOUN
asfbr-2216	313	19	,	,	PUNCT
asfbr-2216	313	20	y.m	y.m	PROPN
asfbr-2216	313	21	.	.	PROPN
asfbr-2216	313	22	;	;	PUNCT
asfbr-2216	313	23	investigation	investigation	NOUN
asfbr-2216	313	24	,	,	PUNCT
asfbr-2216	313	25	y.m	y.m	PROPN
asfbr-2216	313	26	.	.	PROPN
asfbr-2216	313	27	;	;	PUNCT
asfbr-2216	313	28	resources	resource	NOUN
asfbr-2216	313	29	,	,	PUNCT
asfbr-2216	313	30	y.m	y.m	PROPN
asfbr-2216	313	31	.	.	PROPN
asfbr-2216	313	32	and	and	CCONJ
asfbr-2216	313	33	y.o	y.o	PROPN
asfbr-2216	313	34	.	.	PROPN
asfbr-2216	313	35	;	;	PUNCT
asfbr-2216	313	36	data	datum	NOUN
asfbr-2216	313	37	curation	curation	NOUN
asfbr-2216	313	38	,	,	PUNCT
asfbr-2216	313	39	y.m	y.m	PROPN
asfbr-2216	313	40	.	.	PROPN
asfbr-2216	313	41	and	and	CCONJ
asfbr-2216	313	42	y.o	y.o	PROPN
asfbr-2216	313	43	.	.	PROPN
asfbr-2216	313	44	;	;	PUNCT
asfbr-2216	313	45	writing	write	VERB
asfbr-2216	313	46	–	–	PUNCT
asfbr-2216	313	47	original	original	ADJ
asfbr-2216	313	48	draft	draft	NOUN
asfbr-2216	313	49	preparation	preparation	NOUN
asfbr-2216	313	50	,	,	PUNCT
asfbr-2216	313	51	y.m	y.m	PROPN
asfbr-2216	313	52	.	.	PROPN
asfbr-2216	313	53	;	;	PUNCT
asfbr-2216	313	54	writing	write	VERB
asfbr-2216	313	55	–	–	PUNCT
asfbr-2216	313	56	review	review	NOUN
asfbr-2216	313	57	&	&	CCONJ
asfbr-2216	313	58	editing	editing	PROPN
asfbr-2216	313	59	,	,	PUNCT
asfbr-2216	313	60	y.m	y.m	PROPN
asfbr-2216	313	61	.	.	PROPN
asfbr-2216	313	62	;	;	PUNCT
asfbr-2216	313	63	visualization	visualization	NOUN
asfbr-2216	313	64	,	,	PUNCT
asfbr-2216	313	65	y.m	y.m	PROPN
asfbr-2216	313	66	.	.	PROPN
asfbr-2216	313	67	;	;	PUNCT
asfbr-2216	313	68	supervision	supervision	NOUN
asfbr-2216	313	69	,	,	PUNCT
asfbr-2216	313	70	y.o	y.o	PROPN
asfbr-2216	313	71	.	.	PROPN
asfbr-2216	313	72	and	and	CCONJ
asfbr-2216	313	73	k.h	k.h	PROPN
asfbr-2216	313	74	.	.	PROPN
asfbr-2216	313	75	;	;	PUNCT
asfbr-2216	313	76	project	project	NOUN
asfbr-2216	313	77	administration	administration	NOUN
asfbr-2216	313	78	,	,	PUNCT
asfbr-2216	313	79	y.o	y.o	PROPN
asfbr-2216	313	80	.	.	PROPN
asfbr-2216	313	81	and	and	CCONJ
asfbr-2216	313	82	k.h	k.h	PROPN
asfbr-2216	313	83	.	.	PROPN
asfbr-2216	313	84	;	;	PUNCT
asfbr-2216	313	85	funding	funding	NOUN
asfbr-2216	313	86	acquisition	acquisition	NOUN
asfbr-2216	313	87	,	,	PUNCT
asfbr-2216	313	88	k.h	k.h	PROPN
asfbr-2216	313	89	.	.	PROPN
asfbr-2216	314	1	authors	author	NOUN
asfbr-2216	314	2	have	have	AUX
asfbr-2216	314	3	read	read	VERB
asfbr-2216	314	4	and	and	CCONJ
asfbr-2216	314	5	agreed	agree	VERB
asfbr-2216	314	6	to	to	ADP
asfbr-2216	314	7	the	the	DET
asfbr-2216	314	8	published	publish	VERB
asfbr-2216	314	9	version	version	NOUN
asfbr-2216	314	10	of	of	ADP
asfbr-2216	314	11	the	the	DET
asfbr-2216	314	12	manuscript	manuscript	NOUN
asfbr-2216	314	13	.	.	PUNCT
asfbr-2216	315	1	institutional	institutional	ADJ
asfbr-2216	315	2	review	review	PROPN
asfbr-2216	315	3	board	board	NOUN
asfbr-2216	315	4	statement	statement	NOUN
asfbr-2216	315	5	:	:	PUNCT
asfbr-2216	315	6	ethical	ethical	ADJ
asfbr-2216	315	7	review	review	NOUN
asfbr-2216	315	8	and	and	CCONJ
asfbr-2216	315	9	approval	approval	NOUN
asfbr-2216	315	10	were	be	AUX
asfbr-2216	315	11	waived	waive	VERB
asfbr-2216	315	12	for	for	ADP
asfbr-2216	315	13	this	this	DET
asfbr-2216	315	14	study	study	NOUN
asfbr-2216	315	15	due	due	ADP
asfbr-2216	315	16	to	to	ADP
asfbr-2216	315	17	that	that	SCONJ
asfbr-2216	315	18	the	the	DET
asfbr-2216	315	19	research	research	NOUN
asfbr-2216	315	20	does	do	AUX
asfbr-2216	315	21	not	not	PART
asfbr-2216	315	22	deal	deal	VERB
asfbr-2216	315	23	with	with	ADP
asfbr-2216	315	24	vulnerable	vulnerable	ADJ
asfbr-2216	315	25	groups	group	NOUN
asfbr-2216	315	26	or	or	CCONJ
asfbr-2216	315	27	sensitive	sensitive	ADJ
asfbr-2216	315	28	issues	issue	NOUN
asfbr-2216	315	29	.	.	PUNCT
asfbr-2216	316	1	funding	funding	NOUN
asfbr-2216	316	2	:	:	PUNCT
asfbr-2216	316	3	this	this	DET
asfbr-2216	316	4	research	research	NOUN
asfbr-2216	316	5	was	be	AUX
asfbr-2216	316	6	supported	support	VERB
asfbr-2216	316	7	by	by	ADP
asfbr-2216	316	8	jsps	jsps	PROPN
asfbr-2216	316	9	kakenhi	kakenhi	PROPN
asfbr-2216	316	10	grant	grant	PROPN
asfbr-2216	316	11	number	number	NOUN
asfbr-2216	316	12	jp	jp	NOUN
asfbr-2216	317	1	23k01478	23k01478	PROPN
asfbr-2216	317	2	.	.	PUNCT
asfbr-2216	317	3	acknowledgements	acknowledgement	NOUN
asfbr-2216	317	4	:	:	PUNCT
asfbr-2216	317	5	we	we	PRON
asfbr-2216	317	6	would	would	AUX
asfbr-2216	317	7	like	like	VERB
asfbr-2216	317	8	to	to	PART
asfbr-2216	317	9	acknowledge	acknowledge	VERB
asfbr-2216	317	10	all	all	DET
asfbr-2216	317	11	faculty	faculty	NOUN
asfbr-2216	317	12	members	member	NOUN
asfbr-2216	317	13	,	,	PUNCT
asfbr-2216	317	14	staffs	staff	NOUN
asfbr-2216	317	15	,	,	PUNCT
asfbr-2216	317	16	and	and	CCONJ
asfbr-2216	317	17	fellows	fellow	NOUN
asfbr-2216	317	18	of	of	ADP
asfbr-2216	317	19	takasaki	takasaki	ADJ
asfbr-2216	317	20	city	city	NOUN
asfbr-2216	317	21	university	university	PROPN
asfbr-2216	317	22	of	of	ADP
asfbr-2216	317	23	economics	economic	NOUN
asfbr-2216	317	24	,	,	PUNCT
asfbr-2216	317	25	kushiro	kushiro	PROPN
asfbr-2216	317	26	public	public	PROPN
asfbr-2216	317	27	university	university	PROPN
asfbr-2216	317	28	of	of	ADP
asfbr-2216	317	29	economics	economic	NOUN
asfbr-2216	317	30	and	and	CCONJ
asfbr-2216	317	31	ritsumeikan	ritsumeikan	PROPN
asfbr-2216	317	32	university	university	NOUN
asfbr-2216	317	33	,	,	PUNCT
asfbr-2216	317	34	each	each	PRON
asfbr-2216	317	35	of	of	ADP
asfbr-2216	317	36	whom	whom	PRON
asfbr-2216	317	37	has	have	AUX
asfbr-2216	317	38	provided	provide	VERB
asfbr-2216	317	39	advice	advice	NOUN
asfbr-2216	317	40	and	and	CCONJ
asfbr-2216	317	41	guidance	guidance	NOUN
asfbr-2216	317	42	throughout	throughout	ADP
asfbr-2216	317	43	the	the	DET
asfbr-2216	317	44	research	research	NOUN
asfbr-2216	317	45	process	process	NOUN
asfbr-2216	317	46	.	.	PUNCT
asfbr-2216	318	1	thanks	thank	NOUN
asfbr-2216	318	2	all	all	PRON
asfbr-2216	318	3	for	for	ADP
asfbr-2216	318	4	your	your	PRON
asfbr-2216	318	5	unwavering	unwavering	ADJ
asfbr-2216	318	6	support	support	NOUN
asfbr-2216	318	7	.	.	PUNCT
asfbr-2216	319	1	informed	informed	ADJ
asfbr-2216	319	2	consent	consent	NOUN
asfbr-2216	319	3	statement	statement	NOUN
asfbr-2216	319	4	:	:	PUNCT
asfbr-2216	319	5	informed	inform	VERB
asfbr-2216	319	6	consent	consent	NOUN
asfbr-2216	319	7	was	be	AUX
asfbr-2216	319	8	obtained	obtain	VERB
asfbr-2216	319	9	from	from	ADP
asfbr-2216	319	10	all	all	DET
asfbr-2216	319	11	subjects	subject	NOUN
asfbr-2216	319	12	involved	involve	VERB
asfbr-2216	319	13	in	in	ADP
asfbr-2216	319	14	the	the	DET
asfbr-2216	319	15	study	study	NOUN
asfbr-2216	319	16	.	.	PUNCT
asfbr-2216	320	1	data	datum	NOUN
asfbr-2216	320	2	availability	availability	NOUN
asfbr-2216	320	3	statement	statement	NOUN
asfbr-2216	320	4	:	:	PUNCT
asfbr-2216	320	5	the	the	DET
asfbr-2216	320	6	data	datum	NOUN
asfbr-2216	320	7	presented	present	VERB
asfbr-2216	320	8	in	in	ADP
asfbr-2216	320	9	this	this	DET
asfbr-2216	320	10	study	study	NOUN
asfbr-2216	320	11	are	be	AUX
asfbr-2216	320	12	available	available	ADJ
asfbr-2216	320	13	on	on	ADP
asfbr-2216	320	14	request	request	NOUN
asfbr-2216	320	15	from	from	ADP
asfbr-2216	320	16	the	the	DET
asfbr-2216	320	17	corresponding	corresponding	ADJ
asfbr-2216	320	18	author	author	NOUN
asfbr-2216	320	19	.	.	PUNCT
asfbr-2216	321	1	the	the	DET
asfbr-2216	321	2	data	datum	NOUN
asfbr-2216	321	3	are	be	AUX
asfbr-2216	321	4	not	not	PART
asfbr-2216	321	5	publicly	publicly	ADV
asfbr-2216	321	6	available	available	ADJ
asfbr-2216	321	7	due	due	ADP
asfbr-2216	321	8	to	to	ADP
asfbr-2216	321	9	restrictions	restriction	NOUN
asfbr-2216	321	10	.	.	PUNCT
asfbr-2216	322	1	conflicts	conflict	NOUN
asfbr-2216	322	2	of	of	ADP
asfbr-2216	322	3	interest	interest	NOUN
asfbr-2216	322	4	:	:	PUNCT
asfbr-2216	322	5	the	the	DET
asfbr-2216	322	6	authors	author	NOUN
asfbr-2216	322	7	declare	declare	VERB
asfbr-2216	322	8	no	no	DET
asfbr-2216	322	9	conflict	conflict	NOUN
asfbr-2216	322	10	of	of	ADP
asfbr-2216	322	11	interest	interest	NOUN
asfbr-2216	322	12	.	.	PUNCT
asfbr-2216	323	1	references	reference	NOUN
asfbr-2216	323	2	ananda	ananda	PROPN
asfbr-2216	323	3	,	,	PUNCT
asfbr-2216	323	4	s.	s.	PROPN
asfbr-2216	323	5	,	,	PUNCT
asfbr-2216	323	6	&	&	CCONJ
asfbr-2216	323	7	devesh	devesh	PROPN
asfbr-2216	323	8	,	,	PUNCT
asfbr-2216	323	9	s.	s.	PROPN
asfbr-2216	323	10	(	(	PUNCT
asfbr-2216	323	11	2018	2018	NUM
asfbr-2216	323	12	)	)	PUNCT
asfbr-2216	323	13	.	.	PUNCT
asfbr-2216	324	1	factors	factor	NOUN
asfbr-2216	324	2	leading	lead	VERB
asfbr-2216	324	3	to	to	ADP
asfbr-2216	324	4	customer	customer	NOUN
asfbr-2216	324	5	satisfaction	satisfaction	NOUN
asfbr-2216	324	6	:	:	PUNCT
asfbr-2216	324	7	an	an	DET
asfbr-2216	324	8	empirical	empirical	ADJ
asfbr-2216	324	9	study	study	NOUN
asfbr-2216	324	10	of	of	ADP
asfbr-2216	324	11	retail	retail	ADJ
asfbr-2216	324	12	banking	banking	NOUN
asfbr-2216	324	13	in	in	ADP
asfbr-2216	324	14	oman	oman	PROPN
asfbr-2216	324	15	.	.	PUNCT
asfbr-2216	325	1	international	international	ADJ
asfbr-2216	325	2	journal	journal	PROPN
asfbr-2216	325	3	of	of	ADP
asfbr-2216	325	4	economics	economic	NOUN
asfbr-2216	325	5	and	and	CCONJ
asfbr-2216	325	6	business	business	NOUN
asfbr-2216	325	7	research	research	NOUN
asfbr-2216	325	8	,	,	PUNCT
asfbr-2216	325	9	16(4	16(4	NUM
asfbr-2216	325	10	)	)	PUNCT
asfbr-2216	325	11	,	,	PUNCT
asfbr-2216	325	12	502	502	NUM
asfbr-2216	325	13	-	-	SYM
asfbr-2216	325	14	516	516	NUM
asfbr-2216	325	15	.	.	PUNCT
asfbr-2216	326	1	https://doi.org/10.1504/ijebr.2018.095346	https://doi.org/10.1504/ijebr.2018.095346	PROPN
asfbr-2216	326	2	ananda	ananda	PROPN
asfbr-2216	326	3	,	,	PUNCT
asfbr-2216	326	4	s.	s.	PROPN
asfbr-2216	326	5	,	,	PUNCT
asfbr-2216	326	6	kumar	kumar	PROPN
asfbr-2216	326	7	,	,	PUNCT
asfbr-2216	326	8	r.	r.	PROPN
asfbr-2216	326	9	p.	p.	PROPN
asfbr-2216	326	10	,	,	PUNCT
asfbr-2216	326	11	&	&	CCONJ
asfbr-2216	326	12	singh	singh	PROPN
asfbr-2216	326	13	,	,	PUNCT
asfbr-2216	326	14	d.	d.	PROPN
asfbr-2216	326	15	(	(	PUNCT
asfbr-2216	326	16	2023	2023	NUM
asfbr-2216	326	17	)	)	PUNCT
asfbr-2216	326	18	.	.	PUNCT
asfbr-2216	327	1	a	a	DET
asfbr-2216	327	2	mediation	mediation	NOUN
asfbr-2216	327	3	analysis	analysis	NOUN
asfbr-2216	327	4	of	of	ADP
asfbr-2216	327	5	perceived	perceive	VERB
asfbr-2216	327	6	service	service	NOUN
asfbr-2216	327	7	quality	quality	NOUN
asfbr-2216	327	8	,	,	PUNCT
asfbr-2216	327	9	customer	customer	NOUN
asfbr-2216	327	10	satisfaction	satisfaction	NOUN
asfbr-2216	327	11	and	and	CCONJ
asfbr-2216	327	12	customer	customer	NOUN
asfbr-2216	327	13	engagement	engagement	NOUN
asfbr-2216	327	14	in	in	ADP
asfbr-2216	327	15	the	the	DET
asfbr-2216	327	16	banking	banking	NOUN
asfbr-2216	327	17	sector	sector	NOUN
asfbr-2216	327	18	.	.	PUNCT
asfbr-2216	328	1	journal	journal	NOUN
asfbr-2216	328	2	of	of	ADP
asfbr-2216	328	3	financial	financial	ADJ
asfbr-2216	328	4	services	service	NOUN
asfbr-2216	328	5	marketing	marketing	NOUN
asfbr-2216	328	6	,	,	PUNCT
asfbr-2216	328	7	28(3	28(3	NUM
asfbr-2216	328	8	)	)	PUNCT
asfbr-2216	328	9	,	,	PUNCT
asfbr-2216	328	10	570–584	570–584	NUM
asfbr-2216	328	11	.	.	PUNCT
asfbr-2216	329	1	https://doi.org/10.1057/s41264-022-00160-1	https://doi.org/10.1057/s41264-022-00160-1	PROPN
asfbr-2216	329	2	anderson	anderson	PROPN
asfbr-2216	329	3	,	,	PUNCT
asfbr-2216	329	4	e.	e.	PROPN
asfbr-2216	329	5	w.	w.	PROPN
asfbr-2216	329	6	,	,	PUNCT
asfbr-2216	329	7	fornell	fornell	PROPN
asfbr-2216	329	8	,	,	PUNCT
asfbr-2216	329	9	c.	c.	PROPN
asfbr-2216	329	10	,	,	PUNCT
asfbr-2216	329	11	&	&	CCONJ
asfbr-2216	329	12	lehmann	lehmann	PROPN
asfbr-2216	329	13	,	,	PUNCT
asfbr-2216	329	14	d.	d.	PROPN
asfbr-2216	329	15	r.	r.	PROPN
asfbr-2216	329	16	(	(	PUNCT
asfbr-2216	329	17	1994	1994	NUM
asfbr-2216	329	18	)	)	PUNCT
asfbr-2216	329	19	.	.	PUNCT
asfbr-2216	330	1	customer	customer	NOUN
asfbr-2216	330	2	satisfaction	satisfaction	NOUN
asfbr-2216	330	3	,	,	PUNCT
asfbr-2216	330	4	market	market	NOUN
asfbr-2216	330	5	share	share	NOUN
asfbr-2216	330	6	,	,	PUNCT
asfbr-2216	330	7	and	and	CCONJ
asfbr-2216	330	8	profitability	profitability	NOUN
asfbr-2216	330	9	:	:	PUNCT
asfbr-2216	330	10	findings	finding	NOUN
asfbr-2216	330	11	from	from	ADP
asfbr-2216	330	12	sweden	sweden	PROPN
asfbr-2216	330	13	.	.	PUNCT
asfbr-2216	331	1	journal	journal	PROPN
asfbr-2216	331	2	of	of	ADP
asfbr-2216	331	3	marketing	marketing	NOUN
asfbr-2216	331	4	,	,	PUNCT
asfbr-2216	331	5	58(3	58(3	NUM
asfbr-2216	331	6	)	)	PUNCT
asfbr-2216	331	7	,	,	PUNCT
asfbr-2216	331	8	53–66	53–66	NUM
asfbr-2216	331	9	.	.	PUNCT
asfbr-2216	332	1	https://doi.org/10.1177/002224299405800304	https://doi.org/10.1177/002224299405800304	PROPN
asfbr-2216	332	2	annin	annin	PROPN
asfbr-2216	332	3	,	,	PUNCT
asfbr-2216	332	4	k.	k.	PROPN
asfbr-2216	332	5	,	,	PUNCT
asfbr-2216	332	6	omane	omane	PROPN
asfbr-2216	332	7	-	-	PUNCT
asfbr-2216	332	8	adjepong	adjepong	NOUN
asfbr-2216	332	9	,	,	PUNCT
asfbr-2216	332	10	m.	m.	NOUN
asfbr-2216	332	11	,	,	PUNCT
asfbr-2216	332	12	&	&	CCONJ
asfbr-2216	332	13	senya	senya	PROPN
asfbr-2216	332	14	,	,	PUNCT
asfbr-2216	332	15	s.	s.	PROPN
asfbr-2216	332	16	s.	s.	PROPN
asfbr-2216	332	17	(	(	PUNCT
asfbr-2216	332	18	2014	2014	NUM
asfbr-2216	332	19	)	)	PUNCT
asfbr-2216	332	20	.	.	PUNCT
asfbr-2216	333	1	applying	apply	VERB
asfbr-2216	333	2	logistic	logistic	ADJ
asfbr-2216	333	3	regression	regression	NOUN
asfbr-2216	333	4	to	to	ADP
asfbr-2216	333	5	e	e	NOUN
asfbr-2216	333	6	-	-	NOUN
asfbr-2216	333	7	banking	banking	ADJ
asfbr-2216	333	8	usage	usage	NOUN
asfbr-2216	333	9	in	in	ADP
asfbr-2216	333	10	kumasi	kumasi	PROPN
asfbr-2216	333	11	metropolis	metropolis	PROPN
asfbr-2216	333	12	,	,	PUNCT
asfbr-2216	333	13	ghana	ghana	PROPN
asfbr-2216	333	14	.	.	PUNCT
asfbr-2216	334	1	international	international	ADJ
asfbr-2216	334	2	journal	journal	PROPN
asfbr-2216	334	3	of	of	ADP
asfbr-2216	334	4	marketing	marketing	NOUN
asfbr-2216	334	5	studies	study	NOUN
asfbr-2216	334	6	,	,	PUNCT
asfbr-2216	334	7	6(2	6(2	NUM
asfbr-2216	334	8	)	)	PUNCT
asfbr-2216	334	9	,	,	PUNCT
asfbr-2216	334	10	153	153	NUM
asfbr-2216	334	11	-	-	SYM
asfbr-2216	334	12	162	162	NUM
asfbr-2216	334	13	.	.	PUNCT
asfbr-2216	335	1	https://doi:10.5539	https://doi:10.5539	NOUN
asfbr-2216	335	2	/	/	SYM
asfbr-2216	335	3	ijms.v6n2p153	ijms.v6n2p153	PROPN
asfbr-2216	335	4	arbore	arbore	NOUN
asfbr-2216	335	5	,	,	PUNCT
asfbr-2216	335	6	a.	a.	PROPN
asfbr-2216	335	7	,	,	PUNCT
asfbr-2216	335	8	&	&	CCONJ
asfbr-2216	335	9	busacca	busacca	PROPN
asfbr-2216	335	10	,	,	PUNCT
asfbr-2216	335	11	b.	b.	PROPN
asfbr-2216	335	12	(	(	PUNCT
asfbr-2216	335	13	2009	2009	NUM
asfbr-2216	335	14	)	)	PUNCT
asfbr-2216	335	15	.	.	PUNCT
asfbr-2216	336	1	customer	customer	NOUN
asfbr-2216	336	2	satisfaction	satisfaction	NOUN
asfbr-2216	336	3	and	and	CCONJ
asfbr-2216	336	4	dissatisfaction	dissatisfaction	NOUN
asfbr-2216	336	5	in	in	ADP
asfbr-2216	336	6	retail	retail	ADJ
asfbr-2216	336	7	banking	banking	NOUN
asfbr-2216	336	8	:	:	PUNCT
asfbr-2216	336	9	exploring	explore	VERB
asfbr-2216	336	10	the	the	DET
asfbr-2216	336	11	asymmetric	asymmetric	ADJ
asfbr-2216	336	12	impact	impact	NOUN
asfbr-2216	336	13	of	of	ADP
asfbr-2216	336	14	attribute	attribute	NOUN
asfbr-2216	336	15	performances	performance	NOUN
asfbr-2216	336	16	.	.	PUNCT
asfbr-2216	337	1	journal	journal	NOUN
asfbr-2216	337	2	of	of	ADP
asfbr-2216	337	3	retailing	retailing	NOUN
asfbr-2216	337	4	and	and	CCONJ
asfbr-2216	337	5	consumer	consumer	NOUN
asfbr-2216	337	6	services	service	NOUN
asfbr-2216	337	7	,	,	PUNCT
asfbr-2216	337	8	16(4	16(4	NUM
asfbr-2216	337	9	)	)	PUNCT
asfbr-2216	337	10	,	,	PUNCT
asfbr-2216	337	11	271	271	NUM
asfbr-2216	337	12	-	-	SYM
asfbr-2216	337	13	280	280	NUM
asfbr-2216	337	14	.	.	PUNCT
asfbr-2216	338	1	https://doi.org/10.1016/j.jretconser.2009.02.002	https://doi.org/10.1016/j.jretconser.2009.02.002	NUM
asfbr-2216	338	2	boonlertvanich	boonlertvanich	PROPN
asfbr-2216	338	3	,	,	PUNCT
asfbr-2216	338	4	k.	k.	PROPN
asfbr-2216	338	5	(	(	PUNCT
asfbr-2216	338	6	2019	2019	NUM
asfbr-2216	338	7	)	)	PUNCT
asfbr-2216	338	8	.	.	PUNCT
asfbr-2216	339	1	service	service	NOUN
asfbr-2216	339	2	quality	quality	NOUN
asfbr-2216	339	3	,	,	PUNCT
asfbr-2216	339	4	satisfaction	satisfaction	NOUN
asfbr-2216	339	5	,	,	PUNCT
asfbr-2216	339	6	trust	trust	NOUN
asfbr-2216	339	7	,	,	PUNCT
asfbr-2216	339	8	and	and	CCONJ
asfbr-2216	339	9	loyalty	loyalty	NOUN
asfbr-2216	339	10	:	:	PUNCT
asfbr-2216	339	11	the	the	DET
asfbr-2216	339	12	moderating	moderate	VERB
asfbr-2216	339	13	role	role	NOUN
asfbr-2216	339	14	of	of	ADP
asfbr-2216	339	15	main	main	ADJ
asfbr-2216	339	16	-	-	PUNCT
asfbr-2216	339	17	bank	bank	NOUN
asfbr-2216	339	18	and	and	CCONJ
asfbr-2216	339	19	wealth	wealth	NOUN
asfbr-2216	339	20	status	status	NOUN
asfbr-2216	339	21	.	.	PUNCT
asfbr-2216	340	1	international	international	ADJ
asfbr-2216	340	2	journal	journal	PROPN
asfbr-2216	340	3	of	of	ADP
asfbr-2216	340	4	bank	bank	PROPN
asfbr-2216	340	5	marketing	marketing	NOUN
asfbr-2216	340	6	,	,	PUNCT
asfbr-2216	340	7	37(1	37(1	NUM
asfbr-2216	340	8	)	)	PUNCT
asfbr-2216	340	9	,	,	PUNCT
asfbr-2216	340	10	278	278	NUM
asfbr-2216	340	11	-	-	SYM
asfbr-2216	340	12	302	302	NUM
asfbr-2216	340	13	.	.	PUNCT
asfbr-2216	341	1	https://doi.org/10.1108/ijbm-02-2018-0021	https://doi.org/10.1108/ijbm-02-2018-0021	PROPN
asfbr-2216	341	2	bhattacharya	bhattacharya	PROPN
asfbr-2216	341	3	,	,	PUNCT
asfbr-2216	341	4	u.	u.	PROPN
asfbr-2216	341	5	,	,	PUNCT
asfbr-2216	341	6	hackethal	hackethal	NOUN
asfbr-2216	341	7	,	,	PUNCT
asfbr-2216	341	8	a.	a.	NOUN
asfbr-2216	341	9	,	,	PUNCT
asfbr-2216	341	10	kaesler	kaesler	PROPN
asfbr-2216	341	11	,	,	PUNCT
asfbr-2216	341	12	s.	s.	PROPN
asfbr-2216	341	13	,	,	PUNCT
asfbr-2216	341	14	loos	loos	PROPN
asfbr-2216	341	15	,	,	PUNCT
asfbr-2216	341	16	b.	b.	PROPN
asfbr-2216	341	17	,	,	PUNCT
asfbr-2216	341	18	&	&	CCONJ
asfbr-2216	341	19	meyer	meyer	PROPN
asfbr-2216	341	20	,	,	PUNCT
asfbr-2216	341	21	s.	s.	PROPN
asfbr-2216	341	22	(	(	PUNCT
asfbr-2216	341	23	2012	2012	NUM
asfbr-2216	341	24	)	)	PUNCT
asfbr-2216	341	25	.	.	PUNCT
asfbr-2216	341	26	is	be	AUX
asfbr-2216	341	27	unbiased	unbiased	ADJ
asfbr-2216	341	28	financial	financial	ADJ
asfbr-2216	341	29	advice	advice	NOUN
asfbr-2216	341	30	to	to	ADP
asfbr-2216	341	31	retail	retail	ADJ
asfbr-2216	341	32	investors	investor	NOUN
asfbr-2216	341	33	sufficient	sufficient	ADJ
asfbr-2216	341	34	?	?	PUNCT
asfbr-2216	342	1	answers	answer	NOUN
asfbr-2216	342	2	from	from	ADP
asfbr-2216	342	3	a	a	DET
asfbr-2216	342	4	large	large	ADJ
asfbr-2216	342	5	field	field	NOUN
asfbr-2216	342	6	study	study	NOUN
asfbr-2216	342	7	.	.	PUNCT
asfbr-2216	343	1	the	the	DET
asfbr-2216	343	2	review	review	NOUN
asfbr-2216	343	3	of	of	ADP
asfbr-2216	343	4	financial	financial	ADJ
asfbr-2216	343	5	studies	study	NOUN
asfbr-2216	343	6	,	,	PUNCT
asfbr-2216	343	7	25(4	25(4	NOUN
asfbr-2216	343	8	)	)	PUNCT
asfbr-2216	343	9	,	,	PUNCT
asfbr-2216	343	10	975–1032	975–1032	NUM
asfbr-2216	343	11	.	.	PUNCT
asfbr-2216	344	1	https://doi.org/10.1093/rfs/hhr127	https://doi.org/10.1093/rfs/hhr127	PROPN
asfbr-2216	344	2	byers	byer	NOUN
asfbr-2216	344	3	,	,	PUNCT
asfbr-2216	344	4	r.	r.	PROPN
asfbr-2216	344	5	,	,	PUNCT
asfbr-2216	344	6	&	&	CCONJ
asfbr-2216	344	7	lederer	lederer	PROPN
asfbr-2216	344	8	,	,	PUNCT
asfbr-2216	344	9	p.	p.	PROPN
asfbr-2216	344	10	j.	j.	PROPN
asfbr-2216	344	11	(	(	PUNCT
asfbr-2216	344	12	2001	2001	NUM
asfbr-2216	344	13	)	)	PUNCT
asfbr-2216	344	14	.	.	PUNCT
asfbr-2216	345	1	retail	retail	PROPN
asfbr-2216	345	2	bank	bank	PROPN
asfbr-2216	345	3	services	service	NOUN
asfbr-2216	345	4	strategy	strategy	NOUN
asfbr-2216	345	5	:	:	PUNCT
asfbr-2216	345	6	a	a	DET
asfbr-2216	345	7	model	model	NOUN
asfbr-2216	345	8	of	of	ADP
asfbr-2216	345	9	traditional	traditional	ADJ
asfbr-2216	345	10	,	,	PUNCT
asfbr-2216	345	11	electronic	electronic	ADJ
asfbr-2216	345	12	,	,	PUNCT
asfbr-2216	345	13	and	and	CCONJ
asfbr-2216	345	14	mixed	mixed	ADJ
asfbr-2216	345	15	distribution	distribution	NOUN
asfbr-2216	345	16	choices	choice	NOUN
asfbr-2216	345	17	.	.	PUNCT
asfbr-2216	346	1	journal	journal	NOUN
asfbr-2216	346	2	of	of	ADP
asfbr-2216	346	3	management	management	NOUN
asfbr-2216	346	4	information	information	NOUN
asfbr-2216	346	5	systems	system	NOUN
asfbr-2216	346	6	,	,	PUNCT
asfbr-2216	346	7	18(2	18(2	NUM
asfbr-2216	346	8	)	)	PUNCT
asfbr-2216	346	9	,	,	PUNCT
asfbr-2216	346	10	133	133	NUM
asfbr-2216	346	11	-	-	SYM
asfbr-2216	346	12	56	56	NUM
asfbr-2216	346	13	.	.	PUNCT
asfbr-2216	346	14	retrieved	retrieve	VERB
asfbr-2216	346	15	from	from	ADP
asfbr-2216	346	16	http://www.jstor.org/stable/40398532	http://www.jstor.org/stable/40398532	ADJ
asfbr-2216	346	17	cambra	cambra	NOUN
asfbr-2216	346	18	-	-	PUNCT
asfbr-2216	346	19	fierro	fierro	PROPN
asfbr-2216	346	20	,	,	PUNCT
asfbr-2216	346	21	j.	j.	PROPN
asfbr-2216	346	22	,	,	PUNCT
asfbr-2216	346	23	perez	perez	PROPN
asfbr-2216	346	24	,	,	PUNCT
asfbr-2216	346	25	l.	l.	PROPN
asfbr-2216	346	26	,	,	PUNCT
asfbr-2216	346	27	&	&	CCONJ
asfbr-2216	346	28	grott	grott	PROPN
asfbr-2216	346	29	,	,	PUNCT
asfbr-2216	346	30	e.	e.	PROPN
asfbr-2216	346	31	(	(	PUNCT
asfbr-2216	346	32	2017	2017	NUM
asfbr-2216	346	33	)	)	PUNCT
asfbr-2216	346	34	.	.	PUNCT
asfbr-2216	347	1	towards	towards	ADP
asfbr-2216	347	2	a	a	DET
asfbr-2216	347	3	co	co	NOUN
asfbr-2216	347	4	-	-	NOUN
asfbr-2216	347	5	creation	creation	NOUN
asfbr-2216	347	6	framework	framework	NOUN
asfbr-2216	347	7	in	in	ADP
asfbr-2216	347	8	the	the	DET
asfbr-2216	347	9	retail	retail	ADJ
asfbr-2216	347	10	banking	banking	NOUN
asfbr-2216	347	11	services	service	NOUN
asfbr-2216	347	12	industry	industry	NOUN
asfbr-2216	347	13	:	:	PUNCT
asfbr-2216	347	14	do	do	VERB
asfbr-2216	347	15	demographics	demographic	NOUN
asfbr-2216	347	16	influence	influence	VERB
asfbr-2216	347	17	?	?	PUNCT
asfbr-2216	348	1	journal	journal	NOUN
asfbr-2216	348	2	of	of	ADP
asfbr-2216	348	3	retailing	retailing	NOUN
asfbr-2216	348	4	and	and	CCONJ
asfbr-2216	348	5	consumer	consumer	NOUN
asfbr-2216	348	6	services	service	NOUN
asfbr-2216	348	7	34	34	NUM
asfbr-2216	348	8	,	,	PUNCT
asfbr-2216	348	9	219	219	NUM
asfbr-2216	348	10	-	-	SYM
asfbr-2216	348	11	228	228	NUM
asfbr-2216	348	12	.	.	PUNCT
asfbr-2216	349	1	https://doi.org/10.1016/j.jretconser.2016.10.007	https://doi.org/10.1016/j.jretconser.2016.10.007	ADJ
asfbr-2216	349	2	calcagno	calcagno	PROPN
asfbr-2216	349	3	,	,	PUNCT
asfbr-2216	349	4	r.	r.	PROPN
asfbr-2216	349	5	,	,	PUNCT
asfbr-2216	349	6	&	&	CCONJ
asfbr-2216	349	7	monticone	monticone	PROPN
asfbr-2216	349	8	,	,	PUNCT
asfbr-2216	349	9	c.	c.	PROPN
asfbr-2216	349	10	(	(	PUNCT
asfbr-2216	349	11	2015	2015	NUM
asfbr-2216	349	12	)	)	PUNCT
asfbr-2216	349	13	.	.	PUNCT
asfbr-2216	350	1	financial	financial	ADJ
asfbr-2216	350	2	literacy	literacy	NOUN
asfbr-2216	350	3	and	and	CCONJ
asfbr-2216	350	4	the	the	DET
asfbr-2216	350	5	demand	demand	NOUN
asfbr-2216	350	6	for	for	ADP
asfbr-2216	350	7	financial	financial	ADJ
asfbr-2216	350	8	advice	advice	NOUN
asfbr-2216	350	9	.	.	PUNCT
asfbr-2216	351	1	journal	journal	NOUN
asfbr-2216	351	2	of	of	ADP
asfbr-2216	351	3	banking	banking	NOUN
asfbr-2216	351	4	&	&	CCONJ
asfbr-2216	351	5	finance	finance	PROPN
asfbr-2216	351	6	,	,	PUNCT
asfbr-2216	351	7	50	50	NUM
asfbr-2216	351	8	,	,	PUNCT
asfbr-2216	351	9	363	363	NUM
asfbr-2216	351	10	-	-	SYM
asfbr-2216	351	11	380	380	NUM
asfbr-2216	351	12	.	.	PUNCT
asfbr-2216	352	1	https://doi.org/10.1016/j.jbankfin.2014.03.013	https://doi.org/10.1016/j.jbankfin.2014.03.013	PROPN
asfbr-2216	352	2	carsamer	carsamer	NOUN
asfbr-2216	352	3	,	,	PUNCT
asfbr-2216	352	4	e.	e.	PROPN
asfbr-2216	352	5	(	(	PUNCT
asfbr-2216	352	6	2018	2018	NUM
asfbr-2216	352	7	)	)	PUNCT
asfbr-2216	352	8	.	.	PUNCT
asfbr-2216	353	1	customer	customer	NOUN
asfbr-2216	353	2	banking	banking	NOUN
asfbr-2216	353	3	rights	right	NOUN
asfbr-2216	353	4	awareness	awareness	NOUN
asfbr-2216	353	5	in	in	ADP
asfbr-2216	353	6	ghana	ghana	PROPN
asfbr-2216	353	7	.	.	PUNCT
asfbr-2216	354	1	banks	bank	NOUN
asfbr-2216	354	2	and	and	CCONJ
asfbr-2216	354	3	bank	bank	NOUN
asfbr-2216	354	4	systems	system	NOUN
asfbr-2216	354	5	,	,	PUNCT
asfbr-2216	354	6	13(2	13(2	PROPN
asfbr-2216	354	7	)	)	PUNCT
asfbr-2216	354	8	,	,	PUNCT
asfbr-2216	354	9	141–152	141–152	NUM
asfbr-2216	354	10	.	.	PUNCT
asfbr-2216	354	11	retrieved	retrieve	VERB
asfbr-2216	354	12	from	from	ADP
asfbr-2216	354	13	https://www.ceeol.com/search/article-detail?id=697470	https://www.ceeol.com/search/article-detail?id=697470	NOUN
asfbr-2216	354	14	chattha	chattha	ADJ
asfbr-2216	354	15	,	,	PUNCT
asfbr-2216	354	16	s.	s.	PROPN
asfbr-2216	354	17	(	(	PUNCT
asfbr-2216	354	18	2019	2019	NUM
asfbr-2216	354	19	)	)	PUNCT
asfbr-2216	354	20	.	.	PUNCT
asfbr-2216	355	1	customers	customer	NOUN
asfbr-2216	355	2	satisfaction	satisfaction	VERB
asfbr-2216	355	3	and	and	CCONJ
asfbr-2216	355	4	insurance	insurance	NOUN
asfbr-2216	355	5	intermediaries	intermediary	NOUN
asfbr-2216	355	6	:	:	PUNCT
asfbr-2216	355	7	an	an	DET
asfbr-2216	355	8	ordered	order	VERB
asfbr-2216	355	9	probit	probit	NOUN
asfbr-2216	355	10	analysis	analysis	NOUN
asfbr-2216	355	11	.	.	PUNCT
asfbr-2216	356	1	international	international	ADJ
asfbr-2216	356	2	journal	journal	NOUN
asfbr-2216	356	3	of	of	ADP
asfbr-2216	356	4	banking	banking	NOUN
asfbr-2216	356	5	,	,	PUNCT
asfbr-2216	356	6	risk	risk	NOUN
asfbr-2216	356	7	and	and	CCONJ
asfbr-2216	356	8	insurance	insurance	NOUN
asfbr-2216	356	9	,	,	PUNCT
asfbr-2216	356	10	7(1	7(1	NUM
asfbr-2216	356	11	)	)	PUNCT
asfbr-2216	356	12	,	,	PUNCT
asfbr-2216	356	13	56–70	56–70	NUM
asfbr-2216	356	14	.	.	PUNCT
asfbr-2216	357	1	retrieved	retrieve	VERB
asfbr-2216	357	2	from	from	ADP
asfbr-2216	357	3	http://publishingindia.com/ijbri	http://publishingindia.com/ijbri	PROPN
asfbr-2216	357	4	darko	darko	PROPN
asfbr-2216	357	5	,	,	PUNCT
asfbr-2216	357	6	e.	e.	PROPN
asfbr-2216	357	7	a.	a.	PROPN
asfbr-2216	357	8	,	,	PUNCT
asfbr-2216	357	9	adarkwa	adarkwa	PROPN
asfbr-2216	357	10	,	,	PUNCT
asfbr-2216	357	11	s.	s.	PROPN
asfbr-2216	357	12	,	,	PUNCT
asfbr-2216	357	13	&	&	CCONJ
asfbr-2216	357	14	donkor	donkor	PROPN
asfbr-2216	357	15	,	,	PUNCT
asfbr-2216	357	16	f.	f.	PROPN
asfbr-2216	357	17	(	(	PUNCT
asfbr-2216	357	18	2017	2017	NUM
asfbr-2216	357	19	)	)	PUNCT
asfbr-2216	357	20	.	.	PUNCT
asfbr-2216	358	1	individual	individual	ADJ
asfbr-2216	358	2	characteristics	characteristic	NOUN
asfbr-2216	358	3	of	of	ADP
asfbr-2216	358	4	customers	customer	NOUN
asfbr-2216	358	5	and	and	CCONJ
asfbr-2216	358	6	the	the	DET
asfbr-2216	358	7	choice	choice	NOUN
asfbr-2216	358	8	of	of	ADP
asfbr-2216	358	9	financial	financial	ADJ
asfbr-2216	358	10	institution	institution	NOUN
asfbr-2216	358	11	in	in	ADP
asfbr-2216	358	12	ghana	ghana	PROPN
asfbr-2216	358	13	:	:	PUNCT
asfbr-2216	358	14	a	a	DET
asfbr-2216	358	15	multinomial	multinomial	ADJ
asfbr-2216	358	16	probit	probit	NOUN
asfbr-2216	358	17	regression	regression	NOUN
asfbr-2216	358	18	approach	approach	NOUN
asfbr-2216	358	19	.	.	PUNCT
asfbr-2216	359	1	european	european	PROPN
asfbr-2216	359	2	journal	journal	PROPN
asfbr-2216	359	3	of	of	ADP
asfbr-2216	359	4	business	business	NOUN
asfbr-2216	359	5	economics	economic	NOUN
asfbr-2216	359	6	and	and	CCONJ
asfbr-2216	359	7	accountancy	accountancy	NOUN
asfbr-2216	359	8	,	,	PUNCT
asfbr-2216	359	9	5(3	5(3	NUM
asfbr-2216	359	10	)	)	PUNCT
asfbr-2216	359	11	.	.	PUNCT
asfbr-2216	360	1	retrieved	retrieve	VERB
asfbr-2216	360	2	from	from	ADP
asfbr-2216	360	3	https://www.idpublications.org/ejbea-vol-5-no-3-2017	https://www.idpublications.org/ejbea-vol-5-no-3-2017	NOUN
asfbr-2216	360	4	egala	egala	NOUN
asfbr-2216	360	5	,	,	PUNCT
asfbr-2216	360	6	s.	s.	PROPN
asfbr-2216	360	7	b.	b.	PROPN
asfbr-2216	360	8	,	,	PUNCT
asfbr-2216	360	9	boateng	boateng	PROPN
asfbr-2216	360	10	,	,	PUNCT
asfbr-2216	360	11	d.	d.	PROPN
asfbr-2216	360	12	,	,	PUNCT
asfbr-2216	360	13	&	&	CCONJ
asfbr-2216	360	14	mensah	mensah	PROPN
asfbr-2216	360	15	,	,	PUNCT
asfbr-2216	360	16	s.	s.	PROPN
asfbr-2216	360	17	a.	a.	PROPN
asfbr-2216	360	18	(	(	PUNCT
asfbr-2216	360	19	2021	2021	NUM
asfbr-2216	360	20	)	)	PUNCT
asfbr-2216	360	21	.	.	PUNCT
asfbr-2216	361	1	to	to	PART
asfbr-2216	361	2	leave	leave	VERB
asfbr-2216	361	3	or	or	CCONJ
asfbr-2216	361	4	retain	retain	VERB
asfbr-2216	361	5	?	?	PUNCT
asfbr-2216	362	1	an	an	DET
asfbr-2216	362	2	interplay	interplay	NOUN
asfbr-2216	362	3	between	between	ADP
asfbr-2216	362	4	quality	quality	NOUN
asfbr-2216	362	5	digital	digital	ADJ
asfbr-2216	362	6	banking	banking	NOUN
asfbr-2216	362	7	services	service	NOUN
asfbr-2216	362	8	and	and	CCONJ
asfbr-2216	362	9	customer	customer	NOUN
asfbr-2216	362	10	satisfaction	satisfaction	NOUN
asfbr-2216	362	11	.	.	PUNCT
asfbr-2216	363	1	international	international	ADJ
asfbr-2216	363	2	journal	journal	PROPN
asfbr-2216	363	3	of	of	ADP
asfbr-2216	363	4	bank	bank	PROPN
asfbr-2216	363	5	marketing	marketing	NOUN
asfbr-2216	363	6	,	,	PUNCT
asfbr-2216	363	7	39(7	39(7	NUM
asfbr-2216	363	8	)	)	PUNCT
asfbr-2216	363	9	,	,	PUNCT
asfbr-2216	363	10	1420	1420	NUM
asfbr-2216	363	11	-	-	SYM
asfbr-2216	363	12	1445	1445	NUM
asfbr-2216	363	13	.	.	PUNCT
asfbr-2216	364	1	https://doi.org/10.1108/ijbm-02-2021-0072	https://doi.org/10.1108/ijbm-02-2021-0072	PROPN
asfbr-2216	364	2	fornero	fornero	PROPN
asfbr-2216	364	3	,	,	PUNCT
asfbr-2216	364	4	e.	e.	PROPN
asfbr-2216	364	5	,	,	PUNCT
asfbr-2216	364	6	&	&	CCONJ
asfbr-2216	364	7	monticone	monticone	PROPN
asfbr-2216	364	8	,	,	PUNCT
asfbr-2216	364	9	c.	c.	PROPN
asfbr-2216	364	10	(	(	PUNCT
asfbr-2216	364	11	2011	2011	NUM
asfbr-2216	364	12	)	)	PUNCT
asfbr-2216	364	13	.	.	PUNCT
asfbr-2216	365	1	financial	financial	ADJ
asfbr-2216	365	2	literacy	literacy	NOUN
asfbr-2216	365	3	and	and	CCONJ
asfbr-2216	365	4	pension	pension	NOUN
asfbr-2216	365	5	plan	plan	NOUN
asfbr-2216	365	6	participation	participation	NOUN
asfbr-2216	365	7	in	in	ADP
asfbr-2216	365	8	italy	italy	PROPN
asfbr-2216	365	9	.	.	PUNCT
asfbr-2216	366	1	journal	journal	PROPN
asfbr-2216	366	2	of	of	ADP
asfbr-2216	366	3	pension	pension	NOUN
asfbr-2216	366	4	economics	economic	NOUN
asfbr-2216	366	5	&	&	CCONJ
asfbr-2216	366	6	finance	finance	PROPN
asfbr-2216	366	7	,	,	PUNCT
asfbr-2216	366	8	10(4	10(4	NUM
asfbr-2216	366	9	)	)	PUNCT
asfbr-2216	366	10	,	,	PUNCT
asfbr-2216	366	11	547	547	NUM
asfbr-2216	366	12	-	-	SYM
asfbr-2216	366	13	564	564	NUM
asfbr-2216	366	14	.	.	PUNCT
asfbr-2216	367	1	https://doi.org/10.1017/s1474747211000473	https://doi.org/10.1017/s1474747211000473	NUM
asfbr-2216	367	2	gan	gan	PROPN
asfbr-2216	367	3	,	,	PUNCT
asfbr-2216	367	4	c.	c.	PROPN
asfbr-2216	367	5	,	,	PUNCT
asfbr-2216	367	6	clemes	cleme	NOUN
asfbr-2216	367	7	,	,	PUNCT
asfbr-2216	367	8	m.	m.	NOUN
asfbr-2216	367	9	,	,	PUNCT
asfbr-2216	367	10	wei	wei	PROPN
asfbr-2216	367	11	,	,	PUNCT
asfbr-2216	367	12	j.	j.	PROPN
asfbr-2216	367	13	,	,	PUNCT
asfbr-2216	367	14	&	&	CCONJ
asfbr-2216	367	15	kao	kao	PROPN
asfbr-2216	367	16	,	,	PUNCT
asfbr-2216	367	17	b.	b.	PROPN
asfbr-2216	367	18	(	(	PUNCT
asfbr-2216	367	19	2011	2011	NUM
asfbr-2216	367	20	)	)	PUNCT
asfbr-2216	367	21	.	.	PUNCT
asfbr-2216	368	1	an	an	DET
asfbr-2216	368	2	empirical	empirical	ADJ
asfbr-2216	368	3	analysis	analysis	NOUN
asfbr-2216	368	4	of	of	ADP
asfbr-2216	368	5	new	new	PROPN
asfbr-2216	368	6	zealand	zealand	PROPN
asfbr-2216	368	7	bank	bank	PROPN
asfbr-2216	368	8	customers	customer	NOUN
asfbr-2216	368	9	'	'	PART
asfbr-2216	368	10	satisfaction	satisfaction	NOUN
asfbr-2216	368	11	.	.	PUNCT
asfbr-2216	369	1	banks	bank	NOUN
asfbr-2216	369	2	&	&	CCONJ
asfbr-2216	369	3	bank	bank	PROPN
asfbr-2216	369	4	systems	system	NOUN
asfbr-2216	369	5	,	,	PUNCT
asfbr-2216	369	6	6(3	6(3	NUM
asfbr-2216	369	7	)	)	PUNCT
asfbr-2216	369	8	,	,	PUNCT
asfbr-2216	369	9	63	63	NUM
asfbr-2216	369	10	-	-	SYM
asfbr-2216	369	11	77	77	NUM
asfbr-2216	369	12	.	.	PUNCT
asfbr-2216	369	13	retrieved	retrieve	VERB
asfbr-2216	369	14	from	from	ADP
asfbr-2216	369	15	https://www.businessperspectives.org/index.php/journals/banksand-bank-systems/issue-152/customer-retention-by-banks-in-new-zealand	https://www.businessperspectives.org/index.php/journals/banksand-bank-systems/issue-152/customer-retention-by-banks-in-new-zealand	NOUN
asfbr-2216	369	16	gan	gan	PROPN
asfbr-2216	369	17	,	,	PUNCT
asfbr-2216	369	18	c.	c.	PROPN
asfbr-2216	369	19	,	,	PUNCT
asfbr-2216	369	20	clemens	clemen	NOUN
asfbr-2216	369	21	,	,	PUNCT
asfbr-2216	369	22	m.	m.	NOUN
asfbr-2216	369	23	,	,	PUNCT
asfbr-2216	369	24	limsombunchai	limsombunchai	PROPN
asfbr-2216	369	25	,	,	PUNCT
asfbr-2216	369	26	v.	v.	PROPN
asfbr-2216	369	27	,	,	PUNCT
asfbr-2216	369	28	&	&	CCONJ
asfbr-2216	369	29	weng	weng	PROPN
asfbr-2216	369	30	,	,	PUNCT
asfbr-2216	369	31	a.	a.	PROPN
asfbr-2216	369	32	(	(	PUNCT
asfbr-2216	369	33	2006	2006	NUM
asfbr-2216	369	34	)	)	PUNCT
asfbr-2216	369	35	.	.	PUNCT
asfbr-2216	370	1	a	a	DET
asfbr-2216	370	2	logit	logit	NOUN
asfbr-2216	370	3	analysis	analysis	NOUN
asfbr-2216	370	4	of	of	ADP
asfbr-2216	370	5	electronic	electronic	ADJ
asfbr-2216	370	6	banking	banking	NOUN
asfbr-2216	370	7	in	in	ADP
asfbr-2216	370	8	new	new	PROPN
asfbr-2216	370	9	zealand	zealand	PROPN
asfbr-2216	370	10	.	.	PUNCT
asfbr-2216	371	1	international	international	PROPN
asfbr-2216	371	2	journal	journal	PROPN
asfbr-2216	371	3	of	of	ADP
asfbr-2216	371	4	bank	bank	PROPN
asfbr-2216	371	5	marketing	marketing	NOUN
asfbr-2216	371	6	,	,	PUNCT
asfbr-2216	371	7	24(6	24(6	NUM
asfbr-2216	371	8	)	)	PUNCT
asfbr-2216	371	9	,	,	PUNCT
asfbr-2216	371	10	360–383	360–383	NUM
asfbr-2216	371	11	.	.	PUNCT
asfbr-2216	372	1	https://doi.org/10.1108/02652320610701717	https://doi.org/10.1108/02652320610701717	PROPN
asfbr-2216	372	2	mori	mori	PROPN
asfbr-2216	372	3	et	et	PROPN
asfbr-2216	372	4	al	al	PROPN
asfbr-2216	372	5	.	.	PROPN
asfbr-2216	372	6	,	,	PUNCT
asfbr-2216	372	7	asian	asian	PROPN
asfbr-2216	372	8	finance	finance	PROPN
asfbr-2216	372	9	&	&	CCONJ
asfbr-2216	372	10	banking	banking	PROPN
asfbr-2216	372	11	review	review	NOUN
asfbr-2216	372	12	8(1	8(1	NOUN
asfbr-2216	372	13	)	)	PUNCT
asfbr-2216	372	14	(	(	PUNCT
asfbr-2216	372	15	2024	2024	NUM
asfbr-2216	372	16	)	)	PUNCT
asfbr-2216	372	17	,	,	PUNCT
asfbr-2216	372	18	1	1	NUM
asfbr-2216	372	19	-	-	SYM
asfbr-2216	372	20	12	12	NUM
asfbr-2216	372	21	11	11	NUM
asfbr-2216	372	22	gerardi	gerardi	PROPN
asfbr-2216	372	23	,	,	PUNCT
asfbr-2216	372	24	k.	k.	PROPN
asfbr-2216	372	25	,	,	PUNCT
asfbr-2216	372	26	goette	goette	NOUN
asfbr-2216	372	27	,	,	PUNCT
asfbr-2216	372	28	l.	l.	PROPN
asfbr-2216	372	29	,	,	PUNCT
asfbr-2216	372	30	&	&	CCONJ
asfbr-2216	372	31	meier	meier	PROPN
asfbr-2216	372	32	,	,	PUNCT
asfbr-2216	372	33	s.	s.	PROPN
asfbr-2216	372	34	(	(	PUNCT
asfbr-2216	372	35	2010	2010	NUM
asfbr-2216	372	36	)	)	PUNCT
asfbr-2216	372	37	.	.	PUNCT
asfbr-2216	373	1	financial	financial	ADJ
asfbr-2216	373	2	literacy	literacy	NOUN
asfbr-2216	373	3	and	and	CCONJ
asfbr-2216	373	4	subprime	subprime	ADJ
asfbr-2216	373	5	mortgage	mortgage	NOUN
asfbr-2216	373	6	delinquency	delinquency	NOUN
asfbr-2216	373	7	:	:	PUNCT
asfbr-2216	373	8	evidence	evidence	NOUN
asfbr-2216	373	9	from	from	ADP
asfbr-2216	373	10	a	a	DET
asfbr-2216	373	11	survey	survey	NOUN
asfbr-2216	373	12	matched	match	VERB
asfbr-2216	373	13	to	to	ADP
asfbr-2216	373	14	administrative	administrative	ADJ
asfbr-2216	373	15	data	datum	NOUN
asfbr-2216	373	16	.	.	PUNCT
asfbr-2216	374	1	federal	federal	PROPN
asfbr-2216	374	2	reserve	reserve	PROPN
asfbr-2216	374	3	bank	bank	PROPN
asfbr-2216	374	4	of	of	ADP
asfbr-2216	374	5	atlanta	atlanta	PROPN
asfbr-2216	374	6	working	working	PROPN
asfbr-2216	374	7	paper	paper	NOUN
asfbr-2216	374	8	series	series	NOUN
asfbr-2216	374	9	.	.	PUNCT
asfbr-2216	375	1	retrieved	retrieve	VERB
asfbr-2216	375	2	from	from	ADP
asfbr-2216	375	3	https://www.atlantafed.org/research/publications/wp	https://www.atlantafed.org/research/publications/wp	PROPN
asfbr-2216	375	4	gazi	gazi	NOUN
asfbr-2216	375	5	,	,	PUNCT
asfbr-2216	375	6	m.	m.	NOUN
asfbr-2216	375	7	a.	a.	PROPN
asfbr-2216	375	8	i.	i.	PROPN
asfbr-2216	375	9	,	,	PUNCT
asfbr-2216	375	10	rahaman	rahaman	NOUN
asfbr-2216	375	11	,	,	PUNCT
asfbr-2216	375	12	m.	m.	NOUN
asfbr-2216	375	13	a.	a.	PROPN
asfbr-2216	375	14	,	,	PUNCT
asfbr-2216	375	15	hossain	hossain	PROPN
asfbr-2216	375	16	,	,	PUNCT
asfbr-2216	375	17	g.	g.	PROPN
asfbr-2216	375	18	,	,	PUNCT
asfbr-2216	375	19	ali	ali	PROPN
asfbr-2216	375	20	,	,	PUNCT
asfbr-2216	375	21	m.	m.	PROPN
asfbr-2216	375	22	j.	j.	PROPN
asfbr-2216	375	23	,	,	PUNCT
asfbr-2216	375	24	&	&	CCONJ
asfbr-2216	375	25	mamoon	mamoon	PROPN
asfbr-2216	375	26	,	,	PUNCT
asfbr-2216	375	27	z.	z.	PROPN
asfbr-2216	375	28	(	(	PUNCT
asfbr-2216	375	29	2021	2021	NUM
asfbr-2216	375	30	)	)	PUNCT
asfbr-2216	375	31	.	.	PUNCT
asfbr-2216	376	1	an	an	DET
asfbr-2216	376	2	empirical	empirical	ADJ
asfbr-2216	376	3	study	study	NOUN
asfbr-2216	376	4	of	of	ADP
asfbr-2216	376	5	determinants	determinant	NOUN
asfbr-2216	376	6	of	of	ADP
asfbr-2216	376	7	customer	customer	NOUN
asfbr-2216	376	8	satisfaction	satisfaction	NOUN
asfbr-2216	376	9	of	of	ADP
asfbr-2216	376	10	banking	banking	NOUN
asfbr-2216	376	11	sector	sector	NOUN
asfbr-2216	376	12	:	:	PUNCT
asfbr-2216	376	13	evidence	evidence	NOUN
asfbr-2216	376	14	from	from	ADP
asfbr-2216	376	15	bangladesh	bangladesh	PROPN
asfbr-2216	376	16	.	.	PUNCT
asfbr-2216	377	1	the	the	DET
asfbr-2216	377	2	journal	journal	NOUN
asfbr-2216	377	3	of	of	ADP
asfbr-2216	377	4	asian	asian	ADJ
asfbr-2216	377	5	finance	finance	NOUN
asfbr-2216	377	6	,	,	PUNCT
asfbr-2216	377	7	economics	economic	NOUN
asfbr-2216	377	8	and	and	CCONJ
asfbr-2216	377	9	business	business	NOUN
asfbr-2216	377	10	,	,	PUNCT
asfbr-2216	377	11	8(2	8(2	NUM
asfbr-2216	377	12	)	)	PUNCT
asfbr-2216	377	13	,	,	PUNCT
asfbr-2216	377	14	497	497	NUM
asfbr-2216	377	15	-	-	SYM
asfbr-2216	377	16	503	503	NUM
asfbr-2216	377	17	.	.	PUNCT
asfbr-2216	378	1	https://doi.org/10.13106/jafeb.2021.vol8.no2.0497	https://doi.org/10.13106/jafeb.2021.vol8.no2.0497	PROPN
asfbr-2216	378	2	halim	halim	PROPN
asfbr-2216	378	3	,	,	PUNCT
asfbr-2216	378	4	h.	h.	PROPN
asfbr-2216	378	5	,	,	PUNCT
asfbr-2216	378	6	basar	basar	PROPN
asfbr-2216	378	7	,	,	PUNCT
asfbr-2216	378	8	s.	s.	PROPN
asfbr-2216	378	9	a.	a.	PROPN
asfbr-2216	378	10	,	,	PUNCT
asfbr-2216	378	11	hamzah	hamzah	PROPN
asfbr-2216	378	12	,	,	PUNCT
asfbr-2216	378	13	h.	h.	PROPN
asfbr-2216	378	14	,	,	PUNCT
asfbr-2216	378	15	sukrri	sukrri	PROPN
asfbr-2216	378	16	,	,	PUNCT
asfbr-2216	378	17	n.	n.	PROPN
asfbr-2216	378	18	n.	n.	PROPN
asfbr-2216	378	19	a.	a.	PROPN
asfbr-2216	378	20	n.	n.	PROPN
asfbr-2216	378	21	m.	m.	PROPN
asfbr-2216	378	22	,	,	PUNCT
asfbr-2216	378	23	&	&	CCONJ
asfbr-2216	378	24	bhuiyan	bhuiyan	PROPN
asfbr-2216	378	25	,	,	PUNCT
asfbr-2216	378	26	a.	a.	PROPN
asfbr-2216	378	27	b.	b.	PROPN
asfbr-2216	378	28	(	(	PUNCT
asfbr-2216	378	29	2023	2023	NUM
asfbr-2216	378	30	)	)	PUNCT
asfbr-2216	378	31	.	.	PUNCT
asfbr-2216	379	1	customer	customer	NOUN
asfbr-2216	379	2	satisfaction	satisfaction	NOUN
asfbr-2216	379	3	on	on	ADP
asfbr-2216	379	4	e	e	NOUN
asfbr-2216	379	5	-	-	ADJ
asfbr-2216	379	6	banking	banking	ADJ
asfbr-2216	379	7	services	service	NOUN
asfbr-2216	379	8	among	among	ADP
asfbr-2216	379	9	university	university	NOUN
asfbr-2216	379	10	students	student	NOUN
asfbr-2216	379	11	in	in	ADP
asfbr-2216	379	12	malaysia	malaysia	PROPN
asfbr-2216	379	13	.	.	PUNCT
asfbr-2216	380	1	asian	asian	PROPN
asfbr-2216	380	2	finance	finance	PROPN
asfbr-2216	380	3	&	&	CCONJ
asfbr-2216	380	4	banking	banking	PROPN
asfbr-2216	380	5	review	review	PROPN
asfbr-2216	380	6	,	,	PUNCT
asfbr-2216	380	7	7(1	7(1	NUM
asfbr-2216	380	8	)	)	PUNCT
asfbr-2216	380	9	,	,	PUNCT
asfbr-2216	380	10	1	1	NUM
asfbr-2216	380	11	-	-	SYM
asfbr-2216	380	12	9	9	NUM
asfbr-2216	380	13	.	.	PUNCT
asfbr-2216	381	1	https://doi.org/10.46281/asfbr.v7i1.1916	https://doi.org/10.46281/asfbr.v7i1.1916	PROPN
asfbr-2216	381	2	jamal	jamal	PROPN
asfbr-2216	381	3	,	,	PUNCT
asfbr-2216	381	4	a.	a.	PROPN
asfbr-2216	381	5	,	,	PUNCT
asfbr-2216	381	6	&	&	CCONJ
asfbr-2216	381	7	naser	naser	PROPN
asfbr-2216	381	8	,	,	PUNCT
asfbr-2216	381	9	k.	k.	PROPN
asfbr-2216	381	10	(	(	PUNCT
asfbr-2216	381	11	2002	2002	NUM
asfbr-2216	381	12	)	)	PUNCT
asfbr-2216	381	13	.	.	PUNCT
asfbr-2216	382	1	customer	customer	NOUN
asfbr-2216	382	2	satisfaction	satisfaction	NOUN
asfbr-2216	382	3	and	and	CCONJ
asfbr-2216	382	4	retail	retail	ADJ
asfbr-2216	382	5	banking	banking	NOUN
asfbr-2216	382	6	:	:	PUNCT
asfbr-2216	382	7	an	an	DET
asfbr-2216	382	8	assessment	assessment	NOUN
asfbr-2216	382	9	of	of	ADP
asfbr-2216	382	10	some	some	PRON
asfbr-2216	382	11	of	of	ADP
asfbr-2216	382	12	the	the	DET
asfbr-2216	382	13	key	key	ADJ
asfbr-2216	382	14	antecedents	antecedent	NOUN
asfbr-2216	382	15	of	of	ADP
asfbr-2216	382	16	customer	customer	NOUN
asfbr-2216	382	17	satisfaction	satisfaction	NOUN
asfbr-2216	382	18	in	in	ADP
asfbr-2216	382	19	retail	retail	ADJ
asfbr-2216	382	20	banking	banking	NOUN
asfbr-2216	382	21	.	.	PUNCT
asfbr-2216	383	1	international	international	ADJ
asfbr-2216	383	2	journal	journal	PROPN
asfbr-2216	383	3	of	of	ADP
asfbr-2216	383	4	bank	bank	PROPN
asfbr-2216	383	5	marketing	marketing	NOUN
asfbr-2216	383	6	,	,	PUNCT
asfbr-2216	383	7	20(4	20(4	NOUN
asfbr-2216	383	8	)	)	PUNCT
asfbr-2216	383	9	,	,	PUNCT
asfbr-2216	383	10	146	146	NUM
asfbr-2216	383	11	-	-	SYM
asfbr-2216	383	12	160	160	NUM
asfbr-2216	383	13	.	.	PUNCT
asfbr-2216	384	1	https://doi.org/10.1108/02652320210432936	https://doi.org/10.1108/02652320210432936	X
asfbr-2216	384	2	johnston	johnston	PROPN
asfbr-2216	384	3	,	,	PUNCT
asfbr-2216	384	4	r.	r.	PROPN
asfbr-2216	384	5	(	(	PUNCT
asfbr-2216	384	6	1997	1997	NUM
asfbr-2216	384	7	)	)	PUNCT
asfbr-2216	384	8	.	.	PUNCT
asfbr-2216	385	1	identifying	identify	VERB
asfbr-2216	385	2	the	the	DET
asfbr-2216	385	3	critical	critical	ADJ
asfbr-2216	385	4	determinants	determinant	NOUN
asfbr-2216	385	5	of	of	ADP
asfbr-2216	385	6	service	service	NOUN
asfbr-2216	385	7	quality	quality	NOUN
asfbr-2216	385	8	in	in	ADP
asfbr-2216	385	9	retail	retail	ADJ
asfbr-2216	385	10	banking	banking	NOUN
asfbr-2216	385	11	:	:	PUNCT
asfbr-2216	385	12	importance	importance	NOUN
asfbr-2216	385	13	and	and	CCONJ
asfbr-2216	385	14	effect	effect	NOUN
asfbr-2216	385	15	.	.	PUNCT
asfbr-2216	386	1	international	international	ADJ
asfbr-2216	386	2	journal	journal	PROPN
asfbr-2216	386	3	of	of	ADP
asfbr-2216	386	4	bank	bank	PROPN
asfbr-2216	386	5	marketing	marketing	NOUN
asfbr-2216	386	6	,	,	PUNCT
asfbr-2216	386	7	15(4	15(4	NUM
asfbr-2216	386	8	)	)	PUNCT
asfbr-2216	386	9	,	,	PUNCT
asfbr-2216	386	10	111–116	111–116	NUM
asfbr-2216	386	11	.	.	PUNCT
asfbr-2216	387	1	https://doi.org/10.1108/02652329710189366	https://doi.org/10.1108/02652329710189366	PROPN
asfbr-2216	387	2	kaur	kaur	PROPN
asfbr-2216	387	3	,	,	PUNCT
asfbr-2216	387	4	b.	b.	PROPN
asfbr-2216	387	5	,	,	PUNCT
asfbr-2216	387	6	kiran	kiran	PROPN
asfbr-2216	387	7	,	,	PUNCT
asfbr-2216	387	8	s.	s.	PROPN
asfbr-2216	387	9	,	,	PUNCT
asfbr-2216	387	10	grima	grima	PROPN
asfbr-2216	387	11	,	,	PUNCT
asfbr-2216	387	12	s.	s.	PROPN
asfbr-2216	387	13	,	,	PUNCT
asfbr-2216	387	14	&	&	CCONJ
asfbr-2216	387	15	rupeika	rupeika	NOUN
asfbr-2216	387	16	-	-	PUNCT
asfbr-2216	387	17	apoga	apoga	PROPN
asfbr-2216	387	18	,	,	PUNCT
asfbr-2216	387	19	r.	r.	PROPN
asfbr-2216	387	20	(	(	PUNCT
asfbr-2216	387	21	2021	2021	NUM
asfbr-2216	387	22	)	)	PUNCT
asfbr-2216	387	23	.	.	PUNCT
asfbr-2216	388	1	digital	digital	ADJ
asfbr-2216	388	2	banking	banking	NOUN
asfbr-2216	388	3	in	in	ADP
asfbr-2216	388	4	northern	northern	ADJ
asfbr-2216	388	5	india	india	PROPN
asfbr-2216	388	6	:	:	PUNCT
asfbr-2216	388	7	the	the	DET
asfbr-2216	388	8	risks	risk	NOUN
asfbr-2216	388	9	on	on	ADP
asfbr-2216	388	10	customer	customer	NOUN
asfbr-2216	388	11	satisfaction	satisfaction	NOUN
asfbr-2216	388	12	.	.	PUNCT
asfbr-2216	389	1	risks	risk	NOUN
asfbr-2216	389	2	,	,	PUNCT
asfbr-2216	389	3	9(11	9(11	NUM
asfbr-2216	389	4	)	)	PUNCT
asfbr-2216	389	5	,	,	PUNCT
asfbr-2216	389	6	1	1	NUM
asfbr-2216	389	7	-	-	SYM
asfbr-2216	389	8	18	18	NUM
asfbr-2216	389	9	.	.	PUNCT
asfbr-2216	390	1	https://doi.org/10.3390/risks9110209	https://doi.org/10.3390/risks9110209	PROPN
asfbr-2216	390	2	kramer	kramer	PROPN
asfbr-2216	390	3	,	,	PUNCT
asfbr-2216	390	4	m.	m.	NOUN
asfbr-2216	390	5	m.	m.	NOUN
asfbr-2216	390	6	(	(	PUNCT
asfbr-2216	390	7	2012	2012	NUM
asfbr-2216	390	8	)	)	PUNCT
asfbr-2216	390	9	.	.	PUNCT
asfbr-2216	391	1	financial	financial	ADJ
asfbr-2216	391	2	advice	advice	NOUN
asfbr-2216	391	3	and	and	CCONJ
asfbr-2216	391	4	individual	individual	ADJ
asfbr-2216	391	5	investor	investor	NOUN
asfbr-2216	391	6	portfolio	portfolio	NOUN
asfbr-2216	391	7	performance	performance	NOUN
asfbr-2216	391	8	.	.	PUNCT
asfbr-2216	392	1	financial	financial	ADJ
asfbr-2216	392	2	management	management	NOUN
asfbr-2216	392	3	,	,	PUNCT
asfbr-2216	392	4	41(2	41(2	NUM
asfbr-2216	392	5	)	)	PUNCT
asfbr-2216	392	6	,	,	PUNCT
asfbr-2216	392	7	395428	395428	NUM
asfbr-2216	392	8	.	.	PUNCT
asfbr-2216	393	1	https://doi.org/10.1111/j.1755-053x.2012.01185.x	https://doi.org/10.1111/j.1755-053x.2012.01185.x	PROPN
asfbr-2216	393	2	kramer	kramer	PROPN
asfbr-2216	393	3	,	,	PUNCT
asfbr-2216	393	4	m.	m.	NOUN
asfbr-2216	393	5	m.	m.	NOUN
asfbr-2216	393	6	(	(	PUNCT
asfbr-2216	393	7	2016	2016	NUM
asfbr-2216	393	8	)	)	PUNCT
asfbr-2216	393	9	.	.	PUNCT
asfbr-2216	394	1	financial	financial	ADJ
asfbr-2216	394	2	literacy	literacy	NOUN
asfbr-2216	394	3	,	,	PUNCT
asfbr-2216	394	4	confidence	confidence	NOUN
asfbr-2216	394	5	and	and	CCONJ
asfbr-2216	394	6	financial	financial	ADJ
asfbr-2216	394	7	advice	advice	NOUN
asfbr-2216	394	8	seeking	seeking	NOUN
asfbr-2216	394	9	.	.	PUNCT
asfbr-2216	395	1	journal	journal	PROPN
asfbr-2216	395	2	of	of	ADP
asfbr-2216	395	3	economic	economic	ADJ
asfbr-2216	395	4	behavior	behavior	NOUN
asfbr-2216	395	5	&	&	CCONJ
asfbr-2216	395	6	organization	organization	PROPN
asfbr-2216	395	7	,	,	PUNCT
asfbr-2216	395	8	131	131	NUM
asfbr-2216	395	9	,	,	PUNCT
asfbr-2216	395	10	198	198	NUM
asfbr-2216	395	11	-	-	SYM
asfbr-2216	395	12	217	217	NUM
asfbr-2216	395	13	.	.	PUNCT
asfbr-2216	396	1	https://doi.org/10.1016/j.jebo.2016.08.016	https://doi.org/10.1016/j.jebo.2016.08.016	DET
asfbr-2216	396	2	li	li	PROPN
asfbr-2216	396	3	,	,	PUNCT
asfbr-2216	396	4	s.	s.	PROPN
asfbr-2216	396	5	,	,	PUNCT
asfbr-2216	396	6	sun	sun	PROPN
asfbr-2216	396	7	,	,	PUNCT
asfbr-2216	396	8	b.	b.	PROPN
asfbr-2216	396	9	,	,	PUNCT
asfbr-2216	396	10	&	&	CCONJ
asfbr-2216	396	11	wilcox	wilcox	PROPN
asfbr-2216	396	12	,	,	PUNCT
asfbr-2216	396	13	r.	r.	PROPN
asfbr-2216	396	14	t.	t.	PROPN
asfbr-2216	396	15	(	(	PUNCT
asfbr-2216	396	16	2005	2005	NUM
asfbr-2216	396	17	)	)	PUNCT
asfbr-2216	396	18	.	.	PUNCT
asfbr-2216	397	1	cross	cross	ADJ
asfbr-2216	397	2	-	-	ADJ
asfbr-2216	397	3	selling	sell	VERB
asfbr-2216	397	4	sequentially	sequentially	ADV
asfbr-2216	397	5	ordered	order	VERB
asfbr-2216	397	6	products	product	NOUN
asfbr-2216	397	7	:	:	PUNCT
asfbr-2216	397	8	an	an	DET
asfbr-2216	397	9	application	application	NOUN
asfbr-2216	397	10	to	to	ADP
asfbr-2216	397	11	consumer	consumer	NOUN
asfbr-2216	397	12	banking	banking	NOUN
asfbr-2216	397	13	services	service	NOUN
asfbr-2216	397	14	.	.	PUNCT
asfbr-2216	398	1	journal	journal	NOUN
asfbr-2216	398	2	of	of	ADP
asfbr-2216	398	3	marketing	marketing	NOUN
asfbr-2216	398	4	research	research	NOUN
asfbr-2216	398	5	,	,	PUNCT
asfbr-2216	398	6	42(2	42(2	NOUN
asfbr-2216	398	7	)	)	PUNCT
asfbr-2216	398	8	,	,	PUNCT
asfbr-2216	398	9	233–239	233–239	NUM
asfbr-2216	398	10	.	.	PUNCT
asfbr-2216	398	11	https://doi.org/10.1509/jmkr.42.2.233.62288	https://doi.org/10.1509/jmkr.42.2.233.62288	ADJ
asfbr-2216	398	12	lusardi	lusardi	NOUN
asfbr-2216	398	13	,	,	PUNCT
asfbr-2216	398	14	a.	a.	PROPN
asfbr-2216	398	15	,	,	PUNCT
asfbr-2216	398	16	&	&	CCONJ
asfbr-2216	398	17	mitchell	mitchell	PROPN
asfbr-2216	398	18	,	,	PUNCT
asfbr-2216	398	19	o.	o.	PROPN
asfbr-2216	398	20	s.	s.	PROPN
asfbr-2216	398	21	(	(	PUNCT
asfbr-2216	398	22	2011	2011	NUM
asfbr-2216	398	23	)	)	PUNCT
asfbr-2216	398	24	.	.	PUNCT
asfbr-2216	399	1	financial	financial	ADJ
asfbr-2216	399	2	literacy	literacy	NOUN
asfbr-2216	399	3	and	and	CCONJ
asfbr-2216	399	4	retirement	retirement	NOUN
asfbr-2216	399	5	planning	planning	NOUN
asfbr-2216	399	6	in	in	ADP
asfbr-2216	399	7	the	the	DET
asfbr-2216	399	8	united	united	PROPN
asfbr-2216	399	9	states	states	PROPN
asfbr-2216	399	10	.	.	PUNCT
asfbr-2216	400	1	journal	journal	PROPN
asfbr-2216	400	2	of	of	ADP
asfbr-2216	400	3	pension	pension	NOUN
asfbr-2216	400	4	economics	economic	NOUN
asfbr-2216	400	5	&	&	CCONJ
asfbr-2216	400	6	finance	finance	PROPN
asfbr-2216	400	7	,	,	PUNCT
asfbr-2216	400	8	10(4	10(4	NUM
asfbr-2216	400	9	)	)	PUNCT
asfbr-2216	400	10	,	,	PUNCT
asfbr-2216	400	11	509	509	NUM
asfbr-2216	400	12	-	-	SYM
asfbr-2216	400	13	525	525	NUM
asfbr-2216	400	14	.	.	PUNCT
asfbr-2216	401	1	https://doi.org/10.1017/s147474721100045x	https://doi.org/10.1017/s147474721100045x	ADJ
asfbr-2216	401	2	mahdzan	mahdzan	ADJ
asfbr-2216	401	3	,	,	PUNCT
asfbr-2216	401	4	n.	n.	NOUN
asfbr-2216	401	5	,	,	PUNCT
asfbr-2216	401	6	zainudin	zainudin	PROPN
asfbr-2216	401	7	,	,	PUNCT
asfbr-2216	401	8	s.	s.	PROPN
asfbr-2216	401	9	r.	r.	PROPN
asfbr-2216	401	10	,	,	PUNCT
asfbr-2216	401	11	&	&	CCONJ
asfbr-2216	401	12	yoong	yoong	PROPN
asfbr-2216	401	13	,	,	PUNCT
asfbr-2216	401	14	s.	s.	PROPN
asfbr-2216	401	15	(	(	PUNCT
asfbr-2216	401	16	2020	2020	NUM
asfbr-2216	401	17	)	)	PUNCT
asfbr-2216	401	18	.	.	PUNCT
asfbr-2216	402	1	investment	investment	NOUN
asfbr-2216	402	2	literacy	literacy	NOUN
asfbr-2216	402	3	,	,	PUNCT
asfbr-2216	402	4	risk	risk	NOUN
asfbr-2216	402	5	tolerance	tolerance	NOUN
asfbr-2216	402	6	,	,	PUNCT
asfbr-2216	402	7	and	and	CCONJ
asfbr-2216	402	8	mutual	mutual	ADJ
asfbr-2216	402	9	fund	fund	NOUN
asfbr-2216	402	10	investments	investment	NOUN
asfbr-2216	402	11	:	:	PUNCT
asfbr-2216	402	12	an	an	DET
asfbr-2216	402	13	exploratory	exploratory	ADJ
asfbr-2216	402	14	study	study	NOUN
asfbr-2216	402	15	of	of	ADP
asfbr-2216	402	16	working	work	VERB
asfbr-2216	402	17	adults	adult	NOUN
asfbr-2216	402	18	in	in	ADP
asfbr-2216	402	19	kuala	kuala	PROPN
asfbr-2216	402	20	lumpur	lumpur	PROPN
asfbr-2216	402	21	.	.	PUNCT
asfbr-2216	403	1	international	international	ADJ
asfbr-2216	403	2	journal	journal	PROPN
asfbr-2216	403	3	of	of	ADP
asfbr-2216	403	4	business	business	NOUN
asfbr-2216	403	5	and	and	CCONJ
asfbr-2216	403	6	society	society	NOUN
asfbr-2216	403	7	,	,	PUNCT
asfbr-2216	403	8	21(1	21(1	NUM
asfbr-2216	403	9	)	)	PUNCT
asfbr-2216	403	10	,	,	PUNCT
asfbr-2216	403	11	111	111	NUM
asfbr-2216	403	12	-	-	SYM
asfbr-2216	403	13	133	133	NUM
asfbr-2216	403	14	.	.	PUNCT
asfbr-2216	404	1	https://doi.org/10.33736/ijbs.3230.2020	https://doi.org/10.33736/ijbs.3230.2020	ADP
asfbr-2216	404	2	monti	monti	NOUN
asfbr-2216	404	3	,	,	PUNCT
asfbr-2216	404	4	m.	m.	NOUN
asfbr-2216	404	5	,	,	PUNCT
asfbr-2216	404	6	pelligra	pelligra	PROPN
asfbr-2216	404	7	,	,	PUNCT
asfbr-2216	404	8	v.	v.	PROPN
asfbr-2216	404	9	,	,	PUNCT
asfbr-2216	404	10	martignon	martignon	PROPN
asfbr-2216	404	11	,	,	PUNCT
asfbr-2216	404	12	l.	l.	PROPN
asfbr-2216	404	13	,	,	PUNCT
asfbr-2216	404	14	&	&	CCONJ
asfbr-2216	404	15	berg	berg	PROPN
asfbr-2216	404	16	,	,	PUNCT
asfbr-2216	404	17	n.	n.	PROPN
asfbr-2216	404	18	(	(	PUNCT
asfbr-2216	404	19	2014	2014	NUM
asfbr-2216	404	20	)	)	PUNCT
asfbr-2216	404	21	.	.	PUNCT
asfbr-2216	405	1	retail	retail	ADJ
asfbr-2216	405	2	investors	investor	NOUN
asfbr-2216	405	3	and	and	CCONJ
asfbr-2216	405	4	financial	financial	ADJ
asfbr-2216	405	5	advisors	advisor	NOUN
asfbr-2216	405	6	:	:	PUNCT
asfbr-2216	405	7	new	new	ADJ
asfbr-2216	405	8	evidence	evidence	NOUN
asfbr-2216	405	9	on	on	ADP
asfbr-2216	405	10	trust	trust	NOUN
asfbr-2216	405	11	and	and	CCONJ
asfbr-2216	405	12	advice	advice	NOUN
asfbr-2216	405	13	taking	take	VERB
asfbr-2216	405	14	heuristics	heuristic	NOUN
asfbr-2216	405	15	.	.	PUNCT
asfbr-2216	406	1	journal	journal	PROPN
asfbr-2216	406	2	of	of	ADP
asfbr-2216	406	3	business	business	NOUN
asfbr-2216	406	4	research	research	NOUN
asfbr-2216	406	5	,	,	PUNCT
asfbr-2216	406	6	67(8	67(8	NUM
asfbr-2216	406	7	)	)	PUNCT
asfbr-2216	406	8	,	,	PUNCT
asfbr-2216	406	9	1749	1749	NUM
asfbr-2216	406	10	-	-	SYM
asfbr-2216	406	11	1757	1757	NUM
asfbr-2216	406	12	.	.	PUNCT
asfbr-2216	407	1	https://doi.org/10.1016/j.jbusres.2014.02.022	https://doi.org/10.1016/j.jbusres.2014.02.022	PROPN
asfbr-2216	407	2	moraru	moraru	PROPN
asfbr-2216	407	3	,	,	PUNCT
asfbr-2216	407	4	a.	a.	PROPN
asfbr-2216	407	5	d.	d.	PROPN
asfbr-2216	407	6	,	,	PUNCT
asfbr-2216	407	7	duhnea	duhnea	PROPN
asfbr-2216	407	8	,	,	PUNCT
asfbr-2216	407	9	c.	c.	PROPN
asfbr-2216	407	10	,	,	PUNCT
asfbr-2216	407	11	mieilă	mieilă	NOUN
asfbr-2216	407	12	,	,	PUNCT
asfbr-2216	407	13	m.	m.	NOUN
asfbr-2216	407	14	,	,	PUNCT
asfbr-2216	407	15	ghiță	ghiță	NOUN
asfbr-2216	407	16	-	-	PUNCT
asfbr-2216	407	17	mitrescu	mitrescu	NOUN
asfbr-2216	407	18	,	,	PUNCT
asfbr-2216	407	19	s.	s.	PROPN
asfbr-2216	407	20	,	,	PUNCT
asfbr-2216	407	21	ilie	ilie	PROPN
asfbr-2216	407	22	,	,	PUNCT
asfbr-2216	407	23	m.	m.	NOUN
asfbr-2216	407	24	,	,	PUNCT
asfbr-2216	407	25	&	&	CCONJ
asfbr-2216	407	26	necula	necula	PROPN
asfbr-2216	407	27	,	,	PUNCT
asfbr-2216	407	28	a.	a.	NOUN
asfbr-2216	407	29	i.	i.	PROPN
asfbr-2216	407	30	(	(	PUNCT
asfbr-2216	407	31	2022	2022	NUM
asfbr-2216	407	32	)	)	PUNCT
asfbr-2216	407	33	.	.	PUNCT
asfbr-2216	408	1	the	the	DET
asfbr-2216	408	2	challenge	challenge	NOUN
asfbr-2216	408	3	of	of	ADP
asfbr-2216	408	4	banking	banking	NOUN
asfbr-2216	408	5	services	service	NOUN
asfbr-2216	408	6	development	development	NOUN
asfbr-2216	408	7	–	–	PUNCT
asfbr-2216	408	8	giving	give	VERB
asfbr-2216	408	9	its	its	PRON
asfbr-2216	408	10	rightful	rightful	ADJ
asfbr-2216	408	11	place	place	NOUN
asfbr-2216	408	12	to	to	ADP
asfbr-2216	408	13	customer	customer	NOUN
asfbr-2216	408	14	satisfaction	satisfaction	NOUN
asfbr-2216	408	15	.	.	PUNCT
asfbr-2216	409	1	journal	journal	PROPN
asfbr-2216	409	2	of	of	ADP
asfbr-2216	409	3	business	business	NOUN
asfbr-2216	409	4	economics	economic	NOUN
asfbr-2216	409	5	and	and	CCONJ
asfbr-2216	409	6	management	management	NOUN
asfbr-2216	409	7	,	,	PUNCT
asfbr-2216	409	8	23(3	23(3	NUM
asfbr-2216	409	9	)	)	PUNCT
asfbr-2216	409	10	,	,	PUNCT
asfbr-2216	409	11	626	626	NUM
asfbr-2216	409	12	-	-	SYM
asfbr-2216	409	13	649	649	NUM
asfbr-2216	409	14	.	.	PUNCT
asfbr-2216	410	1	https://doi.org/10.3846/jbem.2022.16442	https://doi.org/10.3846/jbem.2022.16442	PROPN
asfbr-2216	410	2	mullainathan	mullainathan	PROPN
asfbr-2216	410	3	,	,	PUNCT
asfbr-2216	410	4	s.	s.	PROPN
asfbr-2216	410	5	,	,	PUNCT
asfbr-2216	410	6	noeth	noeth	PROPN
asfbr-2216	410	7	,	,	PUNCT
asfbr-2216	410	8	m.	m.	NOUN
asfbr-2216	410	9	,	,	PUNCT
asfbr-2216	410	10	&	&	CCONJ
asfbr-2216	410	11	schoar	schoar	PROPN
asfbr-2216	410	12	,	,	PUNCT
asfbr-2216	410	13	a.	a.	NOUN
asfbr-2216	410	14	(	(	PUNCT
asfbr-2216	410	15	2012	2012	NUM
asfbr-2216	410	16	)	)	PUNCT
asfbr-2216	410	17	.	.	PUNCT
asfbr-2216	411	1	the	the	DET
asfbr-2216	411	2	market	market	NOUN
asfbr-2216	411	3	for	for	ADP
asfbr-2216	411	4	financial	financial	ADJ
asfbr-2216	411	5	advice	advice	NOUN
asfbr-2216	411	6	:	:	PUNCT
asfbr-2216	411	7	an	an	DET
asfbr-2216	411	8	audit	audit	NOUN
asfbr-2216	411	9	study	study	NOUN
asfbr-2216	411	10	.	.	PUNCT
asfbr-2216	412	1	national	national	PROPN
asfbr-2216	412	2	bureau	bureau	PROPN
asfbr-2216	412	3	of	of	ADP
asfbr-2216	412	4	economic	economic	ADJ
asfbr-2216	412	5	research	research	NOUN
asfbr-2216	412	6	,	,	PUNCT
asfbr-2216	412	7	no	no	INTJ
asfbr-2216	412	8	.	.	PUNCT
asfbr-2216	412	9	w17929	w17929	NOUN
asfbr-2216	412	10	.	.	PUNCT
asfbr-2216	413	1	1	1	NUM
asfbr-2216	413	2	-	-	SYM
asfbr-2216	413	3	34	34	NUM
asfbr-2216	413	4	.	.	PUNCT
asfbr-2216	414	1	https://doi.org/10.3386/w17929	https://doi.org/10.3386/w17929	NUM
asfbr-2216	414	2	müller	müller	PROPN
asfbr-2216	414	3	,	,	PUNCT
asfbr-2216	414	4	s.	s.	PROPN
asfbr-2216	414	5	,	,	PUNCT
asfbr-2216	414	6	&	&	CCONJ
asfbr-2216	414	7	weber	weber	PROPN
asfbr-2216	414	8	,	,	PUNCT
asfbr-2216	414	9	m.	m.	NOUN
asfbr-2216	414	10	(	(	PUNCT
asfbr-2216	414	11	2010	2010	NUM
asfbr-2216	414	12	)	)	PUNCT
asfbr-2216	414	13	.	.	PUNCT
asfbr-2216	415	1	financial	financial	ADJ
asfbr-2216	415	2	literacy	literacy	NOUN
asfbr-2216	415	3	and	and	CCONJ
asfbr-2216	415	4	mutual	mutual	ADJ
asfbr-2216	415	5	fund	fund	NOUN
asfbr-2216	415	6	investments	investment	NOUN
asfbr-2216	415	7	:	:	PUNCT
asfbr-2216	415	8	who	who	PRON
asfbr-2216	415	9	buys	buy	VERB
asfbr-2216	415	10	actively	actively	ADV
asfbr-2216	415	11	managed	manage	VERB
asfbr-2216	415	12	funds	fund	NOUN
asfbr-2216	415	13	?	?	PUNCT
asfbr-2216	416	1	schmalenbach	schmalenbach	NOUN
asfbr-2216	416	2	business	business	NOUN
asfbr-2216	416	3	review	review	PROPN
asfbr-2216	416	4	,	,	PUNCT
asfbr-2216	416	5	62	62	NUM
asfbr-2216	416	6	,	,	PUNCT
asfbr-2216	416	7	126	126	NUM
asfbr-2216	416	8	-	-	SYM
asfbr-2216	416	9	153	153	NUM
asfbr-2216	416	10	.	.	PUNCT
asfbr-2216	417	1	https://doi.org/10.1007/bf03396802	https://doi.org/10.1007/bf03396802	NOUN
asfbr-2216	417	2	nagar	nagar	NOUN
asfbr-2216	417	3	,	,	PUNCT
asfbr-2216	417	4	v.	v.	PROPN
asfbr-2216	417	5	,	,	PUNCT
asfbr-2216	417	6	&	&	CCONJ
asfbr-2216	417	7	rajan	rajan	PROPN
asfbr-2216	417	8	,	,	PUNCT
asfbr-2216	417	9	m.	m.	NOUN
asfbr-2216	417	10	v.	v.	PROPN
asfbr-2216	417	11	(	(	PUNCT
asfbr-2216	417	12	2005	2005	NUM
asfbr-2216	417	13	)	)	PUNCT
asfbr-2216	417	14	.	.	PUNCT
asfbr-2216	418	1	measuring	measure	VERB
asfbr-2216	418	2	customer	customer	NOUN
asfbr-2216	418	3	relationships	relationship	NOUN
asfbr-2216	418	4	:	:	PUNCT
asfbr-2216	418	5	the	the	DET
asfbr-2216	418	6	case	case	NOUN
asfbr-2216	418	7	of	of	ADP
asfbr-2216	418	8	the	the	DET
asfbr-2216	418	9	retail	retail	ADJ
asfbr-2216	418	10	banking	banking	NOUN
asfbr-2216	418	11	industry	industry	NOUN
asfbr-2216	418	12	.	.	PUNCT
asfbr-2216	419	1	management	management	NOUN
asfbr-2216	419	2	science	science	NOUN
asfbr-2216	419	3	,	,	PUNCT
asfbr-2216	419	4	51(6	51(6	NOUN
asfbr-2216	419	5	)	)	PUNCT
asfbr-2216	419	6	,	,	PUNCT
asfbr-2216	419	7	904	904	NUM
asfbr-2216	419	8	-	-	SYM
asfbr-2216	419	9	919	919	NUM
asfbr-2216	419	10	.	.	PUNCT
asfbr-2216	420	1	https://doi.org/10.1287/mnsc.1050.0376	https://doi.org/10.1287/mnsc.1050.0376	PROPN
asfbr-2216	420	2	ngo	ngo	PROPN
asfbr-2216	420	3	,	,	PUNCT
asfbr-2216	420	4	v.	v.	ADP
asfbr-2216	420	5	m.	m.	NOUN
asfbr-2216	420	6	(	(	PUNCT
asfbr-2216	420	7	2015	2015	NUM
asfbr-2216	420	8	)	)	PUNCT
asfbr-2216	420	9	.	.	PUNCT
asfbr-2216	421	1	measuring	measure	VERB
asfbr-2216	421	2	customer	customer	NOUN
asfbr-2216	421	3	satisfaction	satisfaction	NOUN
asfbr-2216	421	4	:	:	PUNCT
asfbr-2216	421	5	a	a	DET
asfbr-2216	421	6	literature	literature	NOUN
asfbr-2216	421	7	review	review	NOUN
asfbr-2216	421	8	.	.	PUNCT
asfbr-2216	422	1	in	in	ADP
asfbr-2216	422	2	:	:	PUNCT
asfbr-2216	422	3	proceedings	proceeding	NOUN
asfbr-2216	422	4	of	of	ADP
asfbr-2216	422	5	the	the	DET
asfbr-2216	422	6	7th	7th	ADJ
asfbr-2216	422	7	international	international	ADJ
asfbr-2216	422	8	scientific	scientific	ADJ
asfbr-2216	422	9	conference	conference	NOUN
asfbr-2216	422	10	finance	finance	NOUN
asfbr-2216	422	11	and	and	CCONJ
asfbr-2216	422	12	performance	performance	NOUN
asfbr-2216	422	13	of	of	ADP
asfbr-2216	422	14	firms	firm	NOUN
asfbr-2216	422	15	in	in	ADP
asfbr-2216	422	16	science	science	NOUN
asfbr-2216	422	17	,	,	PUNCT
asfbr-2216	422	18	education	education	NOUN
asfbr-2216	422	19	and	and	CCONJ
asfbr-2216	422	20	practice	practice	NOUN
asfbr-2216	422	21	,	,	PUNCT
asfbr-2216	422	22	2015	2015	NUM
asfbr-2216	422	23	,	,	PUNCT
asfbr-2216	422	24	1637–1654	1637–1654	NUM
asfbr-2216	422	25	.	.	PUNCT
asfbr-2216	423	1	retrieved	retrieve	VERB
asfbr-2216	423	2	from	from	ADP
asfbr-2216	423	3	https://www.researchgate.net/publication/318827962	https://www.researchgate.net/publication/318827962	PROPN
asfbr-2216	423	4	okeke	okeke	ADJ
asfbr-2216	423	5	,	,	PUNCT
asfbr-2216	423	6	t.	t.	PROPN
asfbr-2216	423	7	c.	c.	PROPN
asfbr-2216	423	8	,	,	PUNCT
asfbr-2216	423	9	&	&	CCONJ
asfbr-2216	423	10	okpala	okpala	PROPN
asfbr-2216	423	11	,	,	PUNCT
asfbr-2216	423	12	c.	c.	PROPN
asfbr-2216	423	13	g.	g.	PROPN
asfbr-2216	423	14	(	(	PUNCT
asfbr-2216	423	15	2014	2014	NUM
asfbr-2216	423	16	)	)	PUNCT
asfbr-2216	423	17	.	.	PUNCT
asfbr-2216	424	1	a	a	DET
asfbr-2216	424	2	discrete	discrete	ADJ
asfbr-2216	424	3	analysis	analysis	NOUN
asfbr-2216	424	4	of	of	ADP
asfbr-2216	424	5	demography	demography	NOUN
asfbr-2216	424	6	and	and	CCONJ
asfbr-2216	424	7	electronic	electronic	ADJ
asfbr-2216	424	8	banking	banking	NOUN
asfbr-2216	424	9	usage	usage	NOUN
asfbr-2216	424	10	in	in	ADP
asfbr-2216	424	11	nigeria	nigeria	PROPN
asfbr-2216	424	12	.	.	PUNCT
asfbr-2216	425	1	journal	journal	PROPN
asfbr-2216	425	2	of	of	ADP
asfbr-2216	425	3	internet	internet	NOUN
asfbr-2216	425	4	banking	banking	NOUN
asfbr-2216	425	5	and	and	CCONJ
asfbr-2216	425	6	commerce	commerce	PROPN
asfbr-2216	425	7	,	,	PUNCT
asfbr-2216	425	8	19(2	19(2	NUM
asfbr-2216	425	9	)	)	PUNCT
asfbr-2216	425	10	,	,	PUNCT
asfbr-2216	425	11	1	1	NUM
asfbr-2216	425	12	-	-	SYM
asfbr-2216	425	13	14	14	NUM
asfbr-2216	425	14	.	.	PUNCT
asfbr-2216	426	1	retrieved	retrieve	VERB
asfbr-2216	426	2	from	from	ADP
asfbr-2216	426	3	https://www.icommercecentral.com/archiveinternet-banking-and-commerce.php	https://www.icommercecentral.com/archiveinternet-banking-and-commerce.php	PROPN
asfbr-2216	426	4	oppewal	oppewal	NOUN
asfbr-2216	426	5	,	,	PUNCT
asfbr-2216	426	6	h.	h.	PROPN
asfbr-2216	426	7	,	,	PUNCT
asfbr-2216	426	8	&	&	CCONJ
asfbr-2216	426	9	vriens	vrien	NOUN
asfbr-2216	426	10	,	,	PUNCT
asfbr-2216	426	11	m.	m.	NOUN
asfbr-2216	426	12	(	(	PUNCT
asfbr-2216	426	13	2000	2000	NUM
asfbr-2216	426	14	)	)	PUNCT
asfbr-2216	426	15	.	.	PUNCT
asfbr-2216	427	1	measuring	measure	VERB
asfbr-2216	427	2	perceived	perceive	VERB
asfbr-2216	427	3	service	service	NOUN
asfbr-2216	427	4	quality	quality	NOUN
asfbr-2216	427	5	using	use	VERB
asfbr-2216	427	6	integrated	integrated	ADJ
asfbr-2216	427	7	conjoint	conjoint	NOUN
asfbr-2216	427	8	experiments	experiment	NOUN
asfbr-2216	427	9	.	.	PUNCT
asfbr-2216	428	1	international	international	ADJ
asfbr-2216	428	2	journal	journal	NOUN
asfbr-2216	428	3	of	of	ADP
asfbr-2216	428	4	bank	bank	PROPN
asfbr-2216	428	5	marketing	marketing	NOUN
asfbr-2216	428	6	,	,	PUNCT
asfbr-2216	428	7	18(4	18(4	NUM
asfbr-2216	428	8	)	)	PUNCT
asfbr-2216	428	9	,	,	PUNCT
asfbr-2216	428	10	154–169	154–169	NUM
asfbr-2216	428	11	.	.	PUNCT
asfbr-2216	429	1	https://doi.org/10.1108/02652320010349049	https://doi.org/10.1108/02652320010349049	X
asfbr-2216	429	2	pakurár	pakurár	ADJ
asfbr-2216	429	3	,	,	PUNCT
asfbr-2216	429	4	m.	m.	NOUN
asfbr-2216	429	5	,	,	PUNCT
asfbr-2216	429	6	haddad	haddad	PROPN
asfbr-2216	429	7	,	,	PUNCT
asfbr-2216	429	8	h.	h.	PROPN
asfbr-2216	429	9	,	,	PUNCT
asfbr-2216	429	10	nagy	nagy	PROPN
asfbr-2216	429	11	,	,	PUNCT
asfbr-2216	429	12	j.	j.	PROPN
asfbr-2216	429	13	,	,	PUNCT
asfbr-2216	429	14	popp	popp	PROPN
asfbr-2216	429	15	,	,	PUNCT
asfbr-2216	429	16	j.	j.	PROPN
asfbr-2216	429	17	,	,	PUNCT
asfbr-2216	429	18	&	&	CCONJ
asfbr-2216	429	19	oláh	oláh	PROPN
asfbr-2216	429	20	,	,	PUNCT
asfbr-2216	429	21	j.	j.	PROPN
asfbr-2216	429	22	(	(	PUNCT
asfbr-2216	429	23	2019	2019	NUM
asfbr-2216	429	24	)	)	PUNCT
asfbr-2216	429	25	.	.	PUNCT
asfbr-2216	430	1	the	the	DET
asfbr-2216	430	2	service	service	NOUN
asfbr-2216	430	3	quality	quality	NOUN
asfbr-2216	430	4	dimensions	dimension	NOUN
asfbr-2216	430	5	that	that	PRON
asfbr-2216	430	6	affect	affect	VERB
asfbr-2216	430	7	customer	customer	NOUN
asfbr-2216	430	8	satisfaction	satisfaction	NOUN
asfbr-2216	430	9	in	in	ADP
asfbr-2216	430	10	the	the	DET
asfbr-2216	430	11	jordanian	jordanian	ADJ
asfbr-2216	430	12	banking	banking	NOUN
asfbr-2216	430	13	sector	sector	NOUN
asfbr-2216	430	14	.	.	PUNCT
asfbr-2216	431	1	sustainability	sustainability	NOUN
asfbr-2216	431	2	,	,	PUNCT
asfbr-2216	431	3	11(4	11(4	NUM
asfbr-2216	431	4	)	)	PUNCT
asfbr-2216	431	5	,	,	PUNCT
asfbr-2216	431	6	1	1	NUM
asfbr-2216	431	7	-	-	SYM
asfbr-2216	431	8	24	24	NUM
asfbr-2216	431	9	.	.	PUNCT
asfbr-2216	432	1	https://doi.org/10.3390/su11041113	https://doi.org/10.3390/su11041113	PROPN
asfbr-2216	432	2	paul	paul	PROPN
asfbr-2216	432	3	,	,	PUNCT
asfbr-2216	432	4	j.	j.	PROPN
asfbr-2216	432	5	,	,	PUNCT
asfbr-2216	432	6	mittal	mittal	PROPN
asfbr-2216	432	7	,	,	PUNCT
asfbr-2216	432	8	a.	a.	NOUN
asfbr-2216	432	9	,	,	PUNCT
asfbr-2216	432	10	&	&	CCONJ
asfbr-2216	432	11	srivastav	srivastav	PROPN
asfbr-2216	432	12	,	,	PUNCT
asfbr-2216	432	13	g.	g.	PROPN
asfbr-2216	432	14	(	(	PUNCT
asfbr-2216	432	15	2016	2016	NUM
asfbr-2216	432	16	)	)	PUNCT
asfbr-2216	432	17	.	.	PUNCT
asfbr-2216	433	1	impact	impact	NOUN
asfbr-2216	433	2	of	of	ADP
asfbr-2216	433	3	service	service	NOUN
asfbr-2216	433	4	quality	quality	NOUN
asfbr-2216	433	5	on	on	ADP
asfbr-2216	433	6	customer	customer	NOUN
asfbr-2216	433	7	satisfaction	satisfaction	NOUN
asfbr-2216	433	8	in	in	ADP
asfbr-2216	433	9	private	private	ADJ
asfbr-2216	433	10	and	and	CCONJ
asfbr-2216	433	11	public	public	ADJ
asfbr-2216	433	12	sector	sector	NOUN
asfbr-2216	433	13	banks	bank	NOUN
asfbr-2216	433	14	.	.	PUNCT
asfbr-2216	434	1	international	international	ADJ
asfbr-2216	434	2	journal	journal	PROPN
asfbr-2216	434	3	of	of	ADP
asfbr-2216	434	4	bank	bank	PROPN
asfbr-2216	434	5	marketing	marketing	NOUN
asfbr-2216	434	6	,	,	PUNCT
asfbr-2216	434	7	34(5	34(5	PROPN
asfbr-2216	434	8	)	)	PUNCT
asfbr-2216	434	9	,	,	PUNCT
asfbr-2216	434	10	606	606	NUM
asfbr-2216	434	11	-	-	SYM
asfbr-2216	434	12	622	622	NUM
asfbr-2216	434	13	.	.	PUNCT
asfbr-2216	435	1	https://doi.org/10.1108/ijbm-03-2015-0030	https://doi.org/10.1108/ijbm-03-2015-0030	PROPN
asfbr-2216	435	2	petridou	petridou	NOUN
asfbr-2216	435	3	,	,	PUNCT
asfbr-2216	435	4	e.	e.	PROPN
asfbr-2216	435	5	,	,	PUNCT
asfbr-2216	435	6	spathis	spathis	PROPN
asfbr-2216	435	7	,	,	PUNCT
asfbr-2216	435	8	c.	c.	PROPN
asfbr-2216	435	9	,	,	PUNCT
asfbr-2216	435	10	glaveli	glaveli	NOUN
asfbr-2216	435	11	,	,	PUNCT
asfbr-2216	435	12	n.	n.	NOUN
asfbr-2216	435	13	,	,	PUNCT
asfbr-2216	435	14	&	&	CCONJ
asfbr-2216	435	15	liassides	liassides	PROPN
asfbr-2216	435	16	,	,	PUNCT
asfbr-2216	435	17	c.	c.	PROPN
asfbr-2216	435	18	(	(	PUNCT
asfbr-2216	435	19	2007	2007	NUM
asfbr-2216	435	20	)	)	PUNCT
asfbr-2216	435	21	.	.	PUNCT
asfbr-2216	436	1	bank	bank	NOUN
asfbr-2216	436	2	service	service	NOUN
asfbr-2216	436	3	quality	quality	NOUN
asfbr-2216	436	4	:	:	PUNCT
asfbr-2216	436	5	empirical	empirical	ADJ
asfbr-2216	436	6	evidence	evidence	NOUN
asfbr-2216	436	7	from	from	ADP
asfbr-2216	436	8	greek	greek	ADJ
asfbr-2216	436	9	and	and	CCONJ
asfbr-2216	436	10	bulgarian	bulgarian	ADJ
asfbr-2216	436	11	retail	retail	ADJ
asfbr-2216	436	12	customers	customer	NOUN
asfbr-2216	436	13	.	.	PUNCT
asfbr-2216	437	1	international	international	ADJ
asfbr-2216	437	2	journal	journal	PROPN
asfbr-2216	437	3	of	of	ADP
asfbr-2216	437	4	quality	quality	NOUN
asfbr-2216	437	5	&	&	CCONJ
asfbr-2216	437	6	reliability	reliability	NOUN
asfbr-2216	437	7	management	management	NOUN
asfbr-2216	437	8	,	,	PUNCT
asfbr-2216	437	9	24(6	24(6	NUM
asfbr-2216	437	10	)	)	PUNCT
asfbr-2216	437	11	,	,	PUNCT
asfbr-2216	437	12	568	568	NUM
asfbr-2216	437	13	-	-	SYM
asfbr-2216	437	14	585	585	NUM
asfbr-2216	437	15	.	.	PUNCT
asfbr-2216	438	1	https://doi.org/10.1108/02656710710757772	https://doi.org/10.1108/02656710710757772	NOUN
asfbr-2216	438	2	ripain	ripain	NOUN
asfbr-2216	438	3	,	,	PUNCT
asfbr-2216	438	4	n.	n.	NOUN
asfbr-2216	438	5	,	,	PUNCT
asfbr-2216	438	6	&	&	CCONJ
asfbr-2216	438	7	ahmad	ahmad	PROPN
asfbr-2216	438	8	,	,	PUNCT
asfbr-2216	438	9	n.	n.	PROPN
asfbr-2216	438	10	w.	w.	PROPN
asfbr-2216	438	11	(	(	PUNCT
asfbr-2216	438	12	2018	2018	NUM
asfbr-2216	438	13	)	)	PUNCT
asfbr-2216	438	14	.	.	PUNCT
asfbr-2216	439	1	retail	retail	PROPN
asfbr-2216	439	2	bank	bank	PROPN
asfbr-2216	439	3	services	service	NOUN
asfbr-2216	439	4	strategy	strategy	NOUN
asfbr-2216	439	5	:	:	PUNCT
asfbr-2216	439	6	a	a	DET
asfbr-2216	439	7	model	model	NOUN
asfbr-2216	439	8	of	of	ADP
asfbr-2216	439	9	traditional	traditional	ADJ
asfbr-2216	439	10	,	,	PUNCT
asfbr-2216	439	11	electronic	electronic	ADJ
asfbr-2216	439	12	,	,	PUNCT
asfbr-2216	439	13	and	and	CCONJ
asfbr-2216	439	14	mixed	mixed	ADJ
asfbr-2216	439	15	distribution	distribution	NOUN
asfbr-2216	439	16	choices	choice	NOUN
asfbr-2216	439	17	.	.	PUNCT
asfbr-2216	440	1	reports	report	NOUN
asfbr-2216	440	2	on	on	ADP
asfbr-2216	440	3	economics	economic	NOUN
asfbr-2216	440	4	and	and	CCONJ
asfbr-2216	440	5	finance	finance	NOUN
asfbr-2216	440	6	,	,	PUNCT
asfbr-2216	440	7	4(3	4(3	NUM
asfbr-2216	440	8	)	)	PUNCT
asfbr-2216	440	9	,	,	PUNCT
asfbr-2216	440	10	117	117	NUM
asfbr-2216	440	11	-	-	SYM
asfbr-2216	440	12	123	123	NUM
asfbr-2216	440	13	.	.	PUNCT
asfbr-2216	441	1	https://doi.org/10.12988/ref.2018.8111	https://doi.org/10.12988/ref.2018.8111	PROPN
asfbr-2216	441	2	seiler	seiler	PROPN
asfbr-2216	441	3	,	,	PUNCT
asfbr-2216	441	4	v.	v.	PROPN
asfbr-2216	441	5	,	,	PUNCT
asfbr-2216	441	6	rudolf	rudolf	NOUN
asfbr-2216	441	7	,	,	PUNCT
asfbr-2216	441	8	m.	m.	NOUN
asfbr-2216	441	9	,	,	PUNCT
asfbr-2216	441	10	&	&	CCONJ
asfbr-2216	441	11	krume	krume	PROPN
asfbr-2216	441	12	,	,	PUNCT
asfbr-2216	441	13	t.	t.	PROPN
asfbr-2216	441	14	(	(	PUNCT
asfbr-2216	441	15	2013	2013	NUM
asfbr-2216	441	16	)	)	PUNCT
asfbr-2216	441	17	.	.	PUNCT
asfbr-2216	442	1	the	the	DET
asfbr-2216	442	2	influence	influence	NOUN
asfbr-2216	442	3	of	of	ADP
asfbr-2216	442	4	socio	socio	NOUN
asfbr-2216	442	5	-	-	ADJ
asfbr-2216	442	6	demographic	demographic	ADJ
asfbr-2216	442	7	variables	variable	NOUN
asfbr-2216	442	8	on	on	ADP
asfbr-2216	442	9	customer	customer	NOUN
asfbr-2216	442	10	satisfaction	satisfaction	NOUN
asfbr-2216	442	11	and	and	CCONJ
asfbr-2216	442	12	loyalty	loyalty	NOUN
asfbr-2216	442	13	in	in	ADP
asfbr-2216	442	14	the	the	DET
asfbr-2216	442	15	private	private	ADJ
asfbr-2216	442	16	banking	banking	NOUN
asfbr-2216	442	17	industry	industry	NOUN
asfbr-2216	442	18	.	.	PUNCT
asfbr-2216	443	1	international	international	ADJ
asfbr-2216	443	2	journal	journal	PROPN
asfbr-2216	443	3	of	of	ADP
asfbr-2216	443	4	bank	bank	PROPN
asfbr-2216	443	5	marketing	marketing	NOUN
asfbr-2216	443	6	,	,	PUNCT
asfbr-2216	443	7	31(4	31(4	NUM
asfbr-2216	443	8	)	)	PUNCT
asfbr-2216	443	9	,	,	PUNCT
asfbr-2216	443	10	235	235	NUM
asfbr-2216	443	11	-	-	SYM
asfbr-2216	443	12	258	258	NUM
asfbr-2216	443	13	.	.	PUNCT
asfbr-2216	444	1	https://doi.org/10.1108/ijbm-10-2012-0101	https://doi.org/10.1108/ijbm-10-2012-0101	NOUN
asfbr-2216	444	2	teeroovengadum	teeroovengadum	ADP
asfbr-2216	444	3	,	,	PUNCT
asfbr-2216	444	4	v.	v.	PROPN
asfbr-2216	444	5	(	(	PUNCT
asfbr-2216	444	6	2022	2022	NUM
asfbr-2216	444	7	)	)	PUNCT
asfbr-2216	444	8	.	.	PUNCT
asfbr-2216	445	1	service	service	NOUN
asfbr-2216	445	2	quality	quality	NOUN
asfbr-2216	445	3	dimensions	dimension	NOUN
asfbr-2216	445	4	as	as	ADP
asfbr-2216	445	5	predictors	predictor	NOUN
asfbr-2216	445	6	of	of	ADP
asfbr-2216	445	7	customer	customer	NOUN
asfbr-2216	445	8	satisfaction	satisfaction	NOUN
asfbr-2216	445	9	and	and	CCONJ
asfbr-2216	445	10	loyalty	loyalty	NOUN
asfbr-2216	445	11	in	in	ADP
asfbr-2216	445	12	the	the	DET
asfbr-2216	445	13	banking	banking	NOUN
asfbr-2216	445	14	industry	industry	NOUN
asfbr-2216	445	15	:	:	PUNCT
asfbr-2216	445	16	moderating	moderate	VERB
asfbr-2216	445	17	effects	effect	NOUN
asfbr-2216	445	18	of	of	ADP
asfbr-2216	445	19	gender	gender	NOUN
asfbr-2216	445	20	.	.	PUNCT
asfbr-2216	446	1	european	european	PROPN
asfbr-2216	446	2	business	business	PROPN
asfbr-2216	446	3	review	review	PROPN
asfbr-2216	446	4	,	,	PUNCT
asfbr-2216	446	5	34(1	34(1	NUM
asfbr-2216	446	6	)	)	PUNCT
asfbr-2216	446	7	,	,	PUNCT
asfbr-2216	446	8	1	1	NUM
asfbr-2216	446	9	-	-	SYM
asfbr-2216	446	10	19	19	NUM
asfbr-2216	446	11	.	.	PUNCT
asfbr-2216	447	1	https://doi.org/10.1108/ebr-102019-0270	https://doi.org/10.1108/ebr-102019-0270	PROPN
asfbr-2216	447	2	uddin	uddin	PROPN
asfbr-2216	447	3	,	,	PUNCT
asfbr-2216	447	4	m.	m.	NOUN
asfbr-2216	447	5	a.	a.	NOUN
asfbr-2216	447	6	(	(	PUNCT
asfbr-2216	447	7	2020	2020	NUM
asfbr-2216	447	8	)	)	PUNCT
asfbr-2216	447	9	.	.	PUNCT
asfbr-2216	448	1	determinants	determinant	NOUN
asfbr-2216	448	2	of	of	ADP
asfbr-2216	448	3	customer	customer	NOUN
asfbr-2216	448	4	loyalty	loyalty	NOUN
asfbr-2216	448	5	towards	towards	ADP
asfbr-2216	448	6	bank	bank	NOUN
asfbr-2216	448	7	:	:	PUNCT
asfbr-2216	448	8	a	a	DET
asfbr-2216	448	9	probit	probit	NOUN
asfbr-2216	448	10	regression	regression	NOUN
asfbr-2216	448	11	-	-	PUNCT
asfbr-2216	448	12	based	base	VERB
asfbr-2216	448	13	approach	approach	NOUN
asfbr-2216	448	14	.	.	PUNCT
asfbr-2216	449	1	canadian	canadian	ADJ
asfbr-2216	449	2	journal	journal	PROPN
asfbr-2216	449	3	of	of	ADP
asfbr-2216	449	4	business	business	NOUN
asfbr-2216	449	5	and	and	CCONJ
asfbr-2216	449	6	information	information	NOUN
asfbr-2216	449	7	studies	study	NOUN
asfbr-2216	449	8	,	,	PUNCT
asfbr-2216	449	9	2(6	2(6	NUM
asfbr-2216	449	10	)	)	PUNCT
asfbr-2216	449	11	,	,	PUNCT
asfbr-2216	449	12	141–147	141–147	NUM
asfbr-2216	449	13	.	.	PUNCT
asfbr-2216	450	1	https://doi.org/10.34104/cjbis.020.01410147	https://doi.org/10.34104/cjbis.020.01410147	PROPN
asfbr-2216	450	2	https://doi.org/10.1016/j.jbusres.2014.02.022	https://doi.org/10.1016/j.jbusres.2014.02.022	PROPN
asfbr-2216	450	3	mori	mori	PROPN
asfbr-2216	450	4	et	et	PROPN
asfbr-2216	450	5	al	al	PROPN
asfbr-2216	450	6	.	.	PROPN
asfbr-2216	450	7	,	,	PUNCT
asfbr-2216	450	8	asian	asian	PROPN
asfbr-2216	450	9	finance	finance	PROPN
asfbr-2216	450	10	&	&	CCONJ
asfbr-2216	450	11	banking	banking	PROPN
asfbr-2216	450	12	review	review	NOUN
asfbr-2216	450	13	8(1	8(1	NOUN
asfbr-2216	450	14	)	)	PUNCT
asfbr-2216	450	15	(	(	PUNCT
asfbr-2216	450	16	2024	2024	NUM
asfbr-2216	450	17	)	)	PUNCT
asfbr-2216	450	18	,	,	PUNCT
asfbr-2216	450	19	1	1	NUM
asfbr-2216	450	20	-	-	SYM
asfbr-2216	450	21	12	12	NUM
asfbr-2216	450	22	12	12	NUM
asfbr-2216	450	23	varki	varki	NOUN
asfbr-2216	450	24	,	,	PUNCT
asfbr-2216	450	25	s.	s.	PROPN
asfbr-2216	450	26	,	,	PUNCT
asfbr-2216	450	27	&	&	CCONJ
asfbr-2216	450	28	colgate	colgate	PROPN
asfbr-2216	450	29	,	,	PUNCT
asfbr-2216	450	30	m.	m.	NOUN
asfbr-2216	450	31	(	(	PUNCT
asfbr-2216	450	32	2001	2001	NUM
asfbr-2216	450	33	)	)	PUNCT
asfbr-2216	450	34	.	.	PUNCT
asfbr-2216	451	1	the	the	DET
asfbr-2216	451	2	role	role	NOUN
asfbr-2216	451	3	of	of	ADP
asfbr-2216	451	4	price	price	NOUN
asfbr-2216	451	5	perceptions	perception	NOUN
asfbr-2216	451	6	in	in	ADP
asfbr-2216	451	7	an	an	DET
asfbr-2216	451	8	integrated	integrated	ADJ
asfbr-2216	451	9	model	model	NOUN
asfbr-2216	451	10	of	of	ADP
asfbr-2216	451	11	behavioral	behavioral	ADJ
asfbr-2216	451	12	intentions	intention	NOUN
asfbr-2216	451	13	.	.	PUNCT
asfbr-2216	452	1	journal	journal	NOUN
asfbr-2216	452	2	of	of	ADP
asfbr-2216	452	3	service	service	NOUN
asfbr-2216	452	4	research	research	NOUN
asfbr-2216	452	5	,	,	PUNCT
asfbr-2216	452	6	3(3	3(3	NUM
asfbr-2216	452	7	)	)	PUNCT
asfbr-2216	452	8	,	,	PUNCT
asfbr-2216	452	9	232–240	232–240	NUM
asfbr-2216	452	10	.	.	PUNCT
asfbr-2216	453	1	https://doi.org/10.1177/109467050133004	https://doi.org/10.1177/109467050133004	PROPN
asfbr-2216	453	2	van	van	PROPN
asfbr-2216	453	3	rooij	rooij	NOUN
asfbr-2216	453	4	,	,	PUNCT
asfbr-2216	453	5	m.	m.	NOUN
asfbr-2216	453	6	,	,	PUNCT
asfbr-2216	453	7	lusardi	lusardi	PROPN
asfbr-2216	453	8	,	,	PUNCT
asfbr-2216	453	9	a.	a.	NOUN
asfbr-2216	453	10	,	,	PUNCT
asfbr-2216	453	11	&	&	CCONJ
asfbr-2216	453	12	alessie	alessie	PROPN
asfbr-2216	453	13	,	,	PUNCT
asfbr-2216	453	14	r.	r.	PROPN
asfbr-2216	453	15	(	(	PUNCT
asfbr-2216	453	16	2011	2011	NUM
asfbr-2216	453	17	)	)	PUNCT
asfbr-2216	453	18	.	.	PUNCT
asfbr-2216	454	1	financial	financial	ADJ
asfbr-2216	454	2	literacy	literacy	NOUN
asfbr-2216	454	3	and	and	CCONJ
asfbr-2216	454	4	stock	stock	NOUN
asfbr-2216	454	5	market	market	NOUN
asfbr-2216	454	6	participation	participation	NOUN
asfbr-2216	454	7	.	.	PUNCT
asfbr-2216	455	1	journal	journal	NOUN
asfbr-2216	455	2	of	of	ADP
asfbr-2216	455	3	financial	financial	ADJ
asfbr-2216	455	4	economics	economic	NOUN
asfbr-2216	455	5	,	,	PUNCT
asfbr-2216	455	6	101(2	101(2	NUM
asfbr-2216	455	7	)	)	PUNCT
asfbr-2216	455	8	,	,	PUNCT
asfbr-2216	455	9	449–472	449–472	NUM
asfbr-2216	455	10	.	.	PUNCT
asfbr-2216	456	1	https://doi.org/10.1016/j.joep.2011.02.004	https://doi.org/10.1016/j.joep.2011.02.004	PROPN
asfbr-2216	456	2	vlašić	vlašić	PROPN
asfbr-2216	456	3	,	,	PUNCT
asfbr-2216	456	4	g.	g.	PROPN
asfbr-2216	456	5	,	,	PUNCT
asfbr-2216	456	6	keleminić	keleminić	PROPN
asfbr-2216	456	7	,	,	PUNCT
asfbr-2216	456	8	k.	k.	PROPN
asfbr-2216	456	9	,	,	PUNCT
asfbr-2216	456	10	&	&	CCONJ
asfbr-2216	456	11	šubić	šubić	PROPN
asfbr-2216	456	12	,	,	PUNCT
asfbr-2216	456	13	r.	r.	PROPN
asfbr-2216	456	14	(	(	PUNCT
asfbr-2216	456	15	2022	2022	NUM
asfbr-2216	456	16	)	)	PUNCT
asfbr-2216	456	17	.	.	PUNCT
asfbr-2216	457	1	understanding	understand	VERB
asfbr-2216	457	2	drivers	driver	NOUN
asfbr-2216	457	3	of	of	ADP
asfbr-2216	457	4	consumer	consumer	NOUN
asfbr-2216	457	5	loyalty	loyalty	NOUN
asfbr-2216	457	6	in	in	ADP
asfbr-2216	457	7	the	the	DET
asfbr-2216	457	8	banking	banking	NOUN
asfbr-2216	457	9	industry	industry	NOUN
asfbr-2216	457	10	:	:	PUNCT
asfbr-2216	457	11	a	a	DET
asfbr-2216	457	12	comparative	comparative	ADJ
asfbr-2216	457	13	study	study	NOUN
asfbr-2216	457	14	of	of	ADP
asfbr-2216	457	15	generation	generation	NOUN
asfbr-2216	457	16	z	z	NOUN
asfbr-2216	457	17	individuals	individual	NOUN
asfbr-2216	457	18	exhibiting	exhibit	VERB
asfbr-2216	457	19	high	high	ADJ
asfbr-2216	457	20	vs.	vs.	ADP
asfbr-2216	457	21	low	low	ADJ
asfbr-2216	457	22	financial	financial	ADJ
asfbr-2216	457	23	literacy	literacy	NOUN
asfbr-2216	457	24	.	.	PUNCT
asfbr-2216	458	1	management	management	NOUN
asfbr-2216	458	2	:	:	PUNCT
asfbr-2216	458	3	journal	journal	PROPN
asfbr-2216	458	4	of	of	ADP
asfbr-2216	458	5	contemporary	contemporary	ADJ
asfbr-2216	458	6	management	management	NOUN
asfbr-2216	458	7	issues	issue	NOUN
asfbr-2216	458	8	,	,	PUNCT
asfbr-2216	458	9	27(1	27(1	NUM
asfbr-2216	458	10	)	)	PUNCT
asfbr-2216	458	11	,	,	PUNCT
asfbr-2216	458	12	213	213	NUM
asfbr-2216	458	13	-	-	SYM
asfbr-2216	458	14	235	235	NUM
asfbr-2216	458	15	.	.	PUNCT
asfbr-2216	459	1	https://doi.org/10.30924/mjcmi.27.1.12	https://doi.org/10.30924/mjcmi.27.1.12	PROPN
asfbr-2216	459	2	widityani	widityani	PROPN
asfbr-2216	459	3	,	,	PUNCT
asfbr-2216	459	4	s.	s.	PROPN
asfbr-2216	459	5	f.	f.	PROPN
asfbr-2216	459	6	,	,	PUNCT
asfbr-2216	459	7	faturohman	faturohman	NOUN
asfbr-2216	459	8	,	,	PUNCT
asfbr-2216	459	9	t.	t.	PROPN
asfbr-2216	459	10	,	,	PUNCT
asfbr-2216	459	11	rahadi	rahadi	NOUN
asfbr-2216	459	12	,	,	PUNCT
asfbr-2216	459	13	r.	r.	PROPN
asfbr-2216	459	14	a.	a.	PROPN
asfbr-2216	459	15	,	,	PUNCT
asfbr-2216	459	16	&	&	CCONJ
asfbr-2216	459	17	yulianti	yulianti	PROPN
asfbr-2216	459	18	,	,	PUNCT
asfbr-2216	459	19	y.	y.	PROPN
asfbr-2216	459	20	(	(	PUNCT
asfbr-2216	459	21	2020	2020	NUM
asfbr-2216	459	22	)	)	PUNCT
asfbr-2216	459	23	.	.	PUNCT
asfbr-2216	460	1	do	do	VERB
asfbr-2216	460	2	socio	socio	VERB
asfbr-2216	460	3	-	-	ADJ
asfbr-2216	460	4	demographic	demographic	ADJ
asfbr-2216	460	5	characteristics	characteristic	NOUN
asfbr-2216	460	6	and	and	CCONJ
asfbr-2216	460	7	financial	financial	ADJ
asfbr-2216	460	8	literacy	literacy	NOUN
asfbr-2216	460	9	matter	matter	NOUN
asfbr-2216	460	10	in	in	ADP
asfbr-2216	460	11	selecting	select	VERB
asfbr-2216	460	12	islamic	islamic	ADJ
asfbr-2216	460	13	financial	financial	ADJ
asfbr-2216	460	14	products	product	NOUN
asfbr-2216	460	15	?	?	PUNCT
asfbr-2216	461	1	journal	journal	NOUN
asfbr-2216	461	2	of	of	ADP
asfbr-2216	461	3	islamic	islamic	ADJ
asfbr-2216	461	4	monetary	monetary	ADJ
asfbr-2216	461	5	economics	economic	NOUN
asfbr-2216	461	6	and	and	CCONJ
asfbr-2216	461	7	finance	finance	NOUN
asfbr-2216	461	8	,	,	PUNCT
asfbr-2216	461	9	6(1	6(1	NUM
asfbr-2216	461	10	)	)	PUNCT
asfbr-2216	461	11	,	,	PUNCT
asfbr-2216	461	12	51	51	NUM
asfbr-2216	461	13	-	-	SYM
asfbr-2216	461	14	76	76	NUM
asfbr-2216	461	15	.	.	PUNCT
asfbr-2216	462	1	https://doi.org/10.21098/jimf.v6i1.1057	https://doi.org/10.21098/jimf.v6i1.1057	NOUN
asfbr-2216	462	2	publisher	publisher	NOUN
asfbr-2216	462	3	’s	’s	PART
asfbr-2216	462	4	note	note	NOUN
asfbr-2216	462	5	:	:	PUNCT
asfbr-2216	462	6	asian	asian	ADJ
asfbr-2216	462	7	finance	finance	PROPN
asfbr-2216	462	8	&	&	CCONJ
asfbr-2216	462	9	banking	banking	PROPN
asfbr-2216	462	10	society	society	NOUN
asfbr-2216	462	11	stays	stay	VERB
asfbr-2216	462	12	neutral	neutral	ADJ
asfbr-2216	462	13	with	with	ADP
asfbr-2216	462	14	regard	regard	NOUN
asfbr-2216	462	15	to	to	ADP
asfbr-2216	462	16	jurisdictional	jurisdictional	ADJ
asfbr-2216	462	17	claims	claim	NOUN
asfbr-2216	462	18	in	in	ADP
asfbr-2216	462	19	published	publish	VERB
asfbr-2216	462	20	maps	map	NOUN
asfbr-2216	462	21	and	and	CCONJ
asfbr-2216	462	22	institutional	institutional	ADJ
asfbr-2216	462	23	affiliations	affiliation	NOUN
asfbr-2216	462	24	.	.	PUNCT
asfbr-2216	463	1	©	©	ADP
asfbr-2216	463	2	2024	2024	NUM
asfbr-2216	463	3	by	by	ADP
asfbr-2216	463	4	the	the	DET
asfbr-2216	463	5	authors	author	NOUN
asfbr-2216	463	6	.	.	PUNCT
asfbr-2216	464	1	licensee	licensee	PROPN
asfbr-2216	464	2	asian	asian	PROPN
asfbr-2216	464	3	finance	finance	PROPN
asfbr-2216	464	4	&	&	CCONJ
asfbr-2216	464	5	banking	banking	PROPN
asfbr-2216	464	6	society	society	PROPN
asfbr-2216	464	7	,	,	PUNCT
asfbr-2216	464	8	usa	usa	PROPN
asfbr-2216	464	9	.	.	PROPN
asfbr-2216	465	1	this	this	DET
asfbr-2216	465	2	article	article	NOUN
asfbr-2216	465	3	is	be	AUX
asfbr-2216	465	4	an	an	DET
asfbr-2216	465	5	open	open	ADJ
asfbr-2216	465	6	access	access	NOUN
asfbr-2216	465	7	article	article	NOUN
asfbr-2216	465	8	distributed	distribute	VERB
asfbr-2216	465	9	under	under	ADP
asfbr-2216	465	10	the	the	DET
asfbr-2216	465	11	terms	term	NOUN
asfbr-2216	465	12	and	and	CCONJ
asfbr-2216	465	13	conditions	condition	NOUN
asfbr-2216	465	14	of	of	ADP
asfbr-2216	465	15	the	the	DET
asfbr-2216	465	16	creative	creative	ADJ
asfbr-2216	465	17	commons	common	NOUN
asfbr-2216	465	18	attribution	attribution	NOUN
asfbr-2216	465	19	(	(	PUNCT
asfbr-2216	465	20	cc	cc	NOUN
asfbr-2216	465	21	by	by	ADP
asfbr-2216	465	22	)	)	PUNCT
asfbr-2216	465	23	license	license	NOUN
asfbr-2216	465	24	(	(	PUNCT
asfbr-2216	465	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	465	26	)	)	PUNCT
asfbr-2216	465	27	.	.	PUNCT
asfbr-2216	466	1	asian	asian	PROPN
asfbr-2216	466	2	finance	finance	PROPN
asfbr-2216	466	3	&	&	CCONJ
asfbr-2216	466	4	banking	banking	PROPN
asfbr-2216	466	5	review	review	NOUN
asfbr-2216	466	6	(	(	PUNCT
asfbr-2216	466	7	p	p	NOUN
asfbr-2216	466	8	-	-	PUNCT
asfbr-2216	466	9	issn	issn	VERB
asfbr-2216	466	10	2576	2576	NUM
asfbr-2216	466	11	-	-	SYM
asfbr-2216	466	12	1161	1161	NUM
asfbr-2216	466	13	e	e	NOUN
asfbr-2216	466	14	-	-	NOUN
asfbr-2216	466	15	issn	issn	VERB
asfbr-2216	466	16	2576	2576	NUM
asfbr-2216	466	17	-	-	SYM
asfbr-2216	466	18	1188	1188	NUM
asfbr-2216	466	19	)	)	PUNCT
asfbr-2216	466	20	by	by	ADP
asfbr-2216	466	21	asian	asian	ADJ
asfbr-2216	466	22	finance	finance	PROPN
asfbr-2216	466	23	&	&	CCONJ
asfbr-2216	466	24	banking	banking	NOUN
asfbr-2216	466	25	society	society	NOUN
asfbr-2216	466	26	is	be	AUX
asfbr-2216	466	27	licensed	license	VERB
asfbr-2216	466	28	under	under	ADP
asfbr-2216	466	29	a	a	DET
asfbr-2216	466	30	creative	creative	ADJ
asfbr-2216	466	31	commons	common	NOUN
asfbr-2216	466	32	attribution	attribution	NOUN
asfbr-2216	466	33	4.0	4.0	NUM
asfbr-2216	466	34	international	international	ADJ
asfbr-2216	466	35	license	license	NOUN
asfbr-2216	466	36	.	.	PUNCT
asfbr-2216	467	1	https://doi.org/10.21098/jimf.v6i1.1057	https://doi.org/10.21098/jimf.v6i1.1057	PROPN
asfbr-2216	467	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	467	3	)	)	PUNCT
asfbr-2216	468	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	468	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2216	468	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN