id	sid	eid	entity	type
ajis02-3043	1	1	nguyen et al	PERSON
ajis02-3043	1	2	2021	CARDINAL
ajis02-3043	1	3	25	CARDINAL
ajis02-3043	1	4	1	CARDINAL
ajis02-3043	1	5	vietnamese	NORP
ajis02-3043	1	6	anh nguyen rmit university	ORG
ajis02-3043	1	7	australia	GPE
ajis02-3043	1	8	s3641842@student.rmit.edu.au hiep-cong pham rmit university	PERSON
ajis02-3043	1	9	vietnam	GPE
ajis02-3043	1	10	viet	GPE
ajis02-3043	1	11	martin dick rmit university	PERSON
ajis02-3043	1	12	australia	GPE
ajis02-3043	1	13	joan richardson rmit university	PERSON
ajis02-3043	1	14	australia	GPE
ajis02-3043	3	1	vietnam	GPE
ajis02-3043	3	2	one	CARDINAL
ajis02-3043	3	3	2019	DATE
ajis02-3043	4	1	three	CARDINAL
ajis02-3043	8	1	1	CARDINAL
ajis02-3043	8	2	2018	DATE
ajis02-3043	10	1	kreyer, pousttchi, & turowski	ORG
ajis02-3043	10	2	2002	DATE
ajis02-3043	10	3	mobiforge, 2014	DATE
ajis02-3043	11	1	two	CARDINAL
ajis02-3043	13	1	nguyen et al	PERSON
ajis02-3043	13	2	2021	CARDINAL
ajis02-3043	13	3	25	CARDINAL
ajis02-3043	13	4	2	CARDINAL
ajis02-3043	13	5	emily, 2018	DATE
ajis02-3043	14	1	samsung	ORG
ajis02-3043	14	2	2018	DATE
ajis02-3043	15	1	2017	DATE
ajis02-3043	16	1	28%	PERCENT
ajis02-3043	16	2	2022	CARDINAL
ajis02-3043	16	3	2019	DATE
ajis02-3043	17	1	covid-19	ORG
ajis02-3043	17	2	2020).in	CARDINAL
ajis02-3043	17	3	2018	DATE
ajis02-3043	17	4	mcknight	WORK_OF_ART
ajis02-3043	17	5	choudhury, & kacmar	ORG
ajis02-3043	17	6	2002	DATE
ajis02-3043	17	7	xin	ORG
ajis02-3043	17	8	2015	DATE
ajis02-3043	19	1	2012	DATE
ajis02-3043	19	2	liu	PERSON
ajis02-3043	19	3	2012	DATE
ajis02-3043	19	4	patil	NORP
ajis02-3043	19	5	rana	PERSON
ajis02-3043	19	6	dwivedi, & abu-hamour	ORG
ajis02-3043	19	7	2018).(andreev	CARDINAL
ajis02-3043	19	8	2012	DATE
ajis02-3043	19	9	liu 2012	PERSON
ajis02-3043	19	10	patil et al.	PERSON
ajis02-3043	19	11	2018	DATE
ajis02-3043	20	1	2017	CARDINAL
ajis02-3043	20	2	2016	DATE
ajis02-3043	21	1	alalwan	GPE
ajis02-3043	21	2	dwivedi	PERSON
ajis02-3043	21	3	2017	DATE
ajis02-3043	23	1	hillman & neustaedter	ORG
ajis02-3043	23	2	2017	CARDINAL
ajis02-3043	23	3	jimenez	PERSON
ajis02-3043	23	4	sanmartin, & azuela	ORG
ajis02-3043	23	5	2016	DATE
ajis02-3043	24	1	meng	PERSON
ajis02-3043	24	2	& li	PERSON
ajis02-3043	24	3	2008	DATE
ajis02-3043	24	4	meng	PERSON
ajis02-3043	24	5	& zhong	PERSON
ajis02-3043	24	6	2008	DATE
ajis02-3043	24	7	nguyen	PERSON
ajis02-3043	24	8	dick, & pham	ORG
ajis02-3043	24	9	2020	DATE
ajis02-3043	25	1	nguyen et al	PERSON
ajis02-3043	25	2	2020).(nguyen	CARDINAL
ajis02-3043	25	3	2020	DATE
ajis02-3043	28	1	four	CARDINAL
ajis02-3043	30	1	vietnam	GPE
ajis02-3043	30	2	37%	PERCENT
ajis02-3043	30	3	2018	DATE
ajis02-3043	30	4	61%	PERCENT
ajis02-3043	30	5	2019	DATE
ajis02-3043	30	6	pwc	ORG
ajis02-3043	30	7	2019	DATE
ajis02-3043	31	1	vietnam	GPE
ajis02-3043	32	1	2018	DATE
ajis02-3043	32	2	vietnam	GPE
ajis02-3043	32	3	about 32.43 million	CARDINAL
ajis02-3043	32	4	around 33%	PERCENT
ajis02-3043	32	5	40%	PERCENT
ajis02-3043	32	6	2021	CARDINAL
ajis02-3043	32	7	2018	DATE
ajis02-3043	33	1	vietnam	GPE
ajis02-3043	33	2	us$4.4 billion	MONEY
ajis02-3043	33	3	2017	DATE
ajis02-3043	33	4	us$7.8 billion	MONEY
ajis02-3043	33	5	2020	DATE
ajis02-3043	33	6	nguyen et al	PERSON
ajis02-3043	33	7	2021	CARDINAL
ajis02-3043	33	8	25	CARDINAL
ajis02-3043	33	9	3	CARDINAL
ajis02-3043	33	10	2018a	DATE
ajis02-3043	34	1	vietnamese	NORP
ajis02-3043	34	2	vietnam	GPE
ajis02-3043	34	3	fintechnews	ORG
ajis02-3043	34	4	2018b	DATE
ajis02-3043	38	1	fourth	ORDINAL
ajis02-3043	38	2	fifth	ORDINAL
ajis02-3043	40	1	2	CARDINAL
ajis02-3043	40	2	2.1	CARDINAL
ajis02-3043	40	3	daily	DATE
ajis02-3043	40	4	mcknight & chervany	ORG
ajis02-3043	40	5	2001a	DATE
ajis02-3043	41	1	mcknight & chervany	ORG
ajis02-3043	41	2	2001b	DATE
ajis02-3043	42	1	2016	DATE
ajis02-3043	42	2	hallikainen & laukkanen	ORG
ajis02-3043	42	3	2018	DATE
ajis02-3043	42	4	hillman & neustaedter	ORG
ajis02-3043	42	5	2017	DATE
ajis02-3043	42	6	lin	GPE
ajis02-3043	42	7	wang	PERSON
ajis02-3043	42	8	wang, & lu	ORG
ajis02-3043	42	9	2014	DATE
ajis02-3043	42	10	lu	ORG
ajis02-3043	42	11	2016	DATE
ajis02-3043	42	12	& hwang	ORG
ajis02-3043	42	13	2016	DATE
ajis02-3043	42	14	piao	GPE
ajis02-3043	42	15	wang, & yang	ORG
ajis02-3043	42	16	2012	DATE
ajis02-3043	42	17	rouibah	ORG
ajis02-3043	42	18	lowry, & hwang	ORG
ajis02-3043	42	19	2016	DATE
ajis02-3043	43	1	mcknight	PERSON
ajis02-3043	43	2	2001b	DATE
ajis02-3043	45	1	mcknight & chervany	ORG
ajis02-3043	45	2	2001b	DATE
ajis02-3043	45	3	43	CARDINAL
ajis02-3043	46	1	mcknight et al.	PERSON
ajis02-3043	46	2	2002	DATE
ajis02-3043	47	1	mcknight & chervany	ORG
ajis02-3043	47	2	2001b	DATE
ajis02-3043	48	1	four	CARDINAL
ajis02-3043	48	2	•	CARDINAL
ajis02-3043	48	3	•	CARDINAL
ajis02-3043	48	4	•	CARDINAL
ajis02-3043	48	5	•	CARDINAL
ajis02-3043	49	1	australasian journal of information systems	ORG
ajis02-3043	49	2	nguyen et al	PERSON
ajis02-3043	49	3	2021	CARDINAL
ajis02-3043	49	4	25	CARDINAL
ajis02-3043	49	5	4	CARDINAL
ajis02-3043	50	1	2002	DATE
ajis02-3043	50	2	fishbein & ajzen	ORG
ajis02-3043	50	3	1975	DATE
ajis02-3043	50	4	1	CARDINAL
ajis02-3043	51	1	1	CARDINAL
ajis02-3043	51	2	mcknight et al.	PERSON
ajis02-3043	51	3	2002	DATE
ajis02-3043	51	4	341	CARDINAL
ajis02-3043	51	5	2003	DATE
ajis02-3043	51	6	two	CARDINAL
ajis02-3043	52	1	first	ORDINAL
ajis02-3043	52	2	first	ORDINAL
ajis02-3043	56	1	2	CARDINAL
ajis02-3043	57	1	2	CARDINAL
ajis02-3043	57	2	2003	DATE
ajis02-3043	57	3	92	CARDINAL
ajis02-3043	57	4	nguyen et al	PERSON
ajis02-3043	57	5	2021	CARDINAL
ajis02-3043	57	6	25	CARDINAL
ajis02-3043	57	7	5	CARDINAL
ajis02-3043	57	8	sheng	PERSON
ajis02-3043	57	9	2003	DATE
ajis02-3043	57	10	five	CARDINAL
ajis02-3043	57	11	third	ORDINAL
ajis02-3043	58	1	3	CARDINAL
ajis02-3043	58	2	siau et al.	PERSON
ajis02-3043	58	3	2003	DATE
ajis02-3043	58	4	88	CARDINAL
ajis02-3043	59	1	3	CARDINAL
ajis02-3043	59	2	siau et al	PERSON
ajis02-3043	59	3	2003	DATE
ajis02-3043	59	4	88	CARDINAL
ajis02-3043	59	5	2203	DATE
ajis02-3043	59	6	92	CARDINAL
ajis02-3043	59	7	two	CARDINAL
ajis02-3043	59	8	4	CARDINAL
ajis02-3043	60	1	4	CARDINAL
ajis02-3043	61	1	2003	DATE
ajis02-3043	61	2	92	CARDINAL
ajis02-3043	61	3	chen & dhillon	ORG
ajis02-3043	61	4	2003	DATE
ajis02-3043	61	5	joubert & belle	ORG
ajis02-3043	61	6	2009	DATE
ajis02-3043	63	1	gao & waechter	ORG
ajis02-3043	63	2	2017	CARDINAL
ajis02-3043	63	3	hillman & neustaedter	ORG
ajis02-3043	63	4	2017	CARDINAL
ajis02-3043	63	5	nguyen et al.	PERSON
ajis02-3043	63	6	2020	DATE
ajis02-3043	63	7	patil et al.	PERSON
ajis02-3043	63	8	2018	DATE
ajis02-3043	63	9	qasim & abu-shanab	ORG
ajis02-3043	63	10	2016	DATE
ajis02-3043	63	11	slade	ORG
ajis02-3043	63	12	dwivedi	PERSON
ajis02-3043	63	13	2015	DATE
ajis02-3043	63	14	xin et al.	PERSON
ajis02-3043	63	15	2015	DATE
ajis02-3043	64	1	nguyen et al.	PERSON
ajis02-3043	64	2	2020	DATE
ajis02-3043	65	1	nguyen et al	PERSON
ajis02-3043	65	2	2021	CARDINAL
ajis02-3043	65	3	25	CARDINAL
ajis02-3043	65	4	6	CARDINAL
ajis02-3043	65	5	2012	DATE
ajis02-3043	65	6	liu	PERSON
ajis02-3043	65	7	2012	DATE
ajis02-3043	65	8	2014	DATE
ajis02-3043	65	9	zhou	PERSON
ajis02-3043	65	10	2013	DATE
ajis02-3043	66	1	zhou	PERSON
ajis02-3043	66	2	2011	DATE
ajis02-3043	66	3	china	GPE
ajis02-3043	67	1	israel	GPE
ajis02-3043	68	1	2012	DATE
ajis02-3043	69	1	liu	PERSON
ajis02-3043	69	2	2012	DATE
ajis02-3043	69	3	200	CARDINAL
ajis02-3043	69	4	jiangsu	GPE
ajis02-3043	69	5	china	GPE
ajis02-3043	71	1	mingxing et al	PERSON
ajis02-3043	72	1	2014	DATE
ajis02-3043	72	2	china	GPE
ajis02-3043	73	1	yan	PERSON
ajis02-3043	73	2	yang	PERSON
ajis02-3043	73	3	2014	DATE
ajis02-3043	73	4	china	GPE
ajis02-3043	74	1	fong	PERSON
ajis02-3043	74	2	2015	DATE
ajis02-3043	74	3	thailand	GPE
ajis02-3043	75	1	slade	ORG
ajis02-3043	75	2	williams	PERSON
ajis02-3043	75	3	dwivedi	PERSON
ajis02-3043	75	4	piercy	PERSON
ajis02-3043	75	5	2015	CARDINAL
ajis02-3043	75	6	utaut2	ORG
ajis02-3043	75	7	uk	GPE
ajis02-3043	76	1	qasim	PERSON
ajis02-3043	76	2	abu-shanab	PERSON
ajis02-3043	76	3	2016	CARDINAL
ajis02-3043	76	4	jordan	GPE
ajis02-3043	78	1	gao	PERSON
ajis02-3043	78	2	waechter	PERSON
ajis02-3043	78	3	2017	CARDINAL
ajis02-3043	78	4	peter	PERSON
ajis02-3043	78	5	sr	ORG
ajis02-3043	78	6	1975	DATE
ajis02-3043	79	1	first	ORDINAL
ajis02-3043	80	1	gao	PERSON
ajis02-3043	80	2	waechter	PERSON
ajis02-3043	80	3	australia	GPE
ajis02-3043	81	1	huang & liu	ORG
ajis02-3043	81	2	2012	DATE
ajis02-3043	81	3	jia, hall, & zhu	ORG
ajis02-3043	81	4	2015	DATE
ajis02-3043	82	1	lu	ORG
ajis02-3043	82	2	yang	PERSON
ajis02-3043	82	3	chau, & cao	ORG
ajis02-3043	82	4	2011	DATE
ajis02-3043	82	5	xin et al.	PERSON
ajis02-3043	82	6	2015	DATE
ajis02-3043	82	7	zhou	PERSON
ajis02-3043	82	8	2013	DATE
ajis02-3043	82	9	2014	DATE
ajis02-3043	83	1	huang	PERSON
ajis02-3043	83	2	liu	PERSON
ajis02-3043	83	3	2012	DATE
ajis02-3043	83	4	china	GPE
ajis02-3043	84	1	lu et al	PERSON
ajis02-3043	85	1	2011	DATE
ajis02-3043	85	2	peter et al	PERSON
ajis02-3043	86	1	1975	DATE
ajis02-3043	90	1	zhou	PERSON
ajis02-3043	90	2	2013	DATE
ajis02-3043	90	3	delone & mclean	ORG
ajis02-3043	90	4	2003	DATE
ajis02-3043	90	5	nguyen et al	PERSON
ajis02-3043	90	6	2021	CARDINAL
ajis02-3043	90	7	25	CARDINAL
ajis02-3043	90	8	7	CARDINAL
ajis02-3043	90	9	china	GPE
ajis02-3043	92	1	iss	PERSON
ajis02-3043	92	2	zhou	PERSON
ajis02-3043	92	3	2014	DATE
ajis02-3043	92	4	china	GPE
ajis02-3043	94	1	jia et al	PERSON
ajis02-3043	95	1	2015	DATE
ajis02-3043	95	2	china	GPE
ajis02-3043	97	1	xin et al	PERSON
ajis02-3043	98	1	2015	CARDINAL
ajis02-3043	98	2	new zealand	GPE
ajis02-3043	100	1	chen & dhillon	ORG
ajis02-3043	100	2	2003	DATE
ajis02-3043	100	3	hillman & neustaedter	ORG
ajis02-3043	100	4	2017	CARDINAL
ajis02-3043	101	1	jimenez et al.	PERSON
ajis02-3043	101	2	2016	DATE
ajis02-3043	101	3	mcknight et al.	PERSON
ajis02-3043	101	4	2002	DATE
ajis02-3043	101	5	meng et al.	PERSON
ajis02-3043	101	6	2008	DATE
ajis02-3043	101	7	yan	GPE
ajis02-3043	101	8	niemi	GPE
ajis02-3043	101	9	dong, & yu	ORG
ajis02-3043	101	10	2008	DATE
ajis02-3043	102	1	meng et al.	PERSON
ajis02-3043	102	2	2008	DATE
ajis02-3043	102	3	2008	DATE
ajis02-3043	103	1	nguyen et al	PERSON
ajis02-3043	103	2	2020	DATE
ajis02-3043	104	1	nguyen et al	PERSON
ajis02-3043	104	2	2020	DATE
ajis02-3043	107	1	2.2	CARDINAL
ajis02-3043	108	1	•	CARDINAL
ajis02-3043	110	1	3	CARDINAL
ajis02-3043	111	1	1	CARDINAL
ajis02-3043	111	2	2	CARDINAL
ajis02-3043	112	1	nguyen et al	PERSON
ajis02-3043	112	2	2021	CARDINAL
ajis02-3043	112	3	25	CARDINAL
ajis02-3043	112	4	8	CARDINAL
ajis02-3043	113	1	four	CARDINAL
ajis02-3043	114	1	joubert & belle	ORG
ajis02-3043	114	2	2009	DATE
ajis02-3043	114	3	2013	DATE
ajis02-3043	116	1	2014	DATE
ajis02-3043	117	1	mcknight & chervany	ORG
ajis02-3043	117	2	2001a	DATE
ajis02-3043	117	3	2001b	DATE
ajis02-3043	117	4	mcknight et al.	PERSON
ajis02-3043	117	5	2002	DATE
ajis02-3043	117	6	mcknight	WORK_OF_ART
ajis02-3043	117	7	kacmar	GPE
ajis02-3043	117	8	2004	DATE
ajis02-3043	117	9	joubert & belle	ORG
ajis02-3043	117	10	2009	DATE
ajis02-3043	117	11	2013	DATE
ajis02-3043	117	12	meng et al.	PERSON
ajis02-3043	117	13	2008	DATE
ajis02-3043	117	14	2008	DATE
ajis02-3043	117	15	siau & shen	ORG
ajis02-3043	117	16	2003	DATE
ajis02-3043	117	17	sheng	PERSON
ajis02-3043	117	18	2004	DATE
ajis02-3043	117	19	2014	DATE
ajis02-3043	117	20	srivastava	PERSON
ajis02-3043	117	21	chandra, & theng	ORG
ajis02-3043	117	22	2010	DATE
ajis02-3043	117	23	xin et al.	PERSON
ajis02-3043	117	24	2015	DATE
ajis02-3043	118	1	first	ORDINAL
ajis02-3043	120	1	joubert & belle	ORG
ajis02-3043	120	2	2013).(joubert	TIME
ajis02-3043	120	3	belle 2013	PERSON
ajis02-3043	122	1	joubert & belle	ORG
ajis02-3043	122	2	2009	DATE
ajis02-3043	122	3	2013	DATE
ajis02-3043	122	4	meng et al.	PERSON
ajis02-3043	122	5	2008	DATE
ajis02-3043	122	6	2008	DATE
ajis02-3043	122	7	siau & shen	ORG
ajis02-3043	122	8	2003	DATE
ajis02-3043	122	9	2003	DATE
ajis02-3043	122	10	srivastava et al.	PERSON
ajis02-3043	122	11	2010	DATE
ajis02-3043	123	1	2018	DATE
ajis02-3043	123	2	krishnan	GPE
ajis02-3043	123	3	2015	DATE
ajis02-3043	128	1	joubert & belle	ORG
ajis02-3043	128	2	2013	DATE
ajis02-3043	128	3	mcknight et al.	PERSON
ajis02-3043	128	4	2002	DATE
ajis02-3043	129	1	two	CARDINAL
ajis02-3043	130	1	mcknight et al.	PERSON
ajis02-3043	130	2	2002	DATE
ajis02-3043	131	1	mcknight & chervany	ORG
ajis02-3043	131	2	2001a	DATE
ajis02-3043	132	1	cheung	PERSON
ajis02-3043	132	2	lee	PERSON
ajis02-3043	132	3	2001	DATE
ajis02-3043	132	4	nguyen et al	PERSON
ajis02-3043	132	5	2021	CARDINAL
ajis02-3043	132	6	25	CARDINAL
ajis02-3043	132	7	9	CARDINAL
ajis02-3043	133	1	2000	DATE
ajis02-3043	134	1	pavlou	PERSON
ajis02-3043	134	2	2004	DATE
ajis02-3043	134	3	third	ORDINAL
ajis02-3043	135	1	& straub	ORG
ajis02-3043	135	2	2003	DATE
ajis02-3043	135	3	mcknight et al.	PERSON
ajis02-3043	135	4	2002	DATE
ajis02-3043	135	5	pavlou & gefen	ORG
ajis02-3043	135	6	2004	DATE
ajis02-3043	135	7	& lee	PERSON
ajis02-3043	135	8	2007	DATE
ajis02-3043	135	9	guangming & yuzhong, 2011	ORG
ajis02-3043	135	10	hillman & neustaedter	ORG
ajis02-3043	135	11	2017	DATE
ajis02-3043	135	12	joubert & belle	ORG
ajis02-3043	135	13	2009	DATE
ajis02-3043	135	14	2013	DATE
ajis02-3043	135	15	2008	DATE
ajis02-3043	135	16	piao et al.	GPE
ajis02-3043	135	17	2012	DATE
ajis02-3043	135	18	nguyen	ORG
ajis02-3043	135	19	2016	DATE
ajis02-3043	135	20	hillman & neustaedter	ORG
ajis02-3043	135	21	2017	CARDINAL
ajis02-3043	135	22	srivastava et al.	PERSON
ajis02-3043	135	23	2010	DATE
ajis02-3043	135	24	yan & yang	ORG
ajis02-3043	135	25	2014	DATE
ajis02-3043	136	1	third	ORDINAL
ajis02-3043	139	1	2016	DATE
ajis02-3043	140	1	2012	DATE
ajis02-3043	141	1	2012	DATE
ajis02-3043	141	2	lu et al.	PERSON
ajis02-3043	141	3	2016	DATE
ajis02-3043	141	4	2004	DATE
ajis02-3043	142	1	pavlou	PERSON
ajis02-3043	142	2	2004	DATE
ajis02-3043	142	3	amazon	ORG
ajis02-3043	143	1	lu et al	PERSON
ajis02-3043	144	1	2016	DATE
ajis02-3043	144	2	china	GPE
ajis02-3043	145	1	2012	DATE
ajis02-3043	145	2	israel	GPE
ajis02-3043	150	1	patil et al.	PERSON
ajis02-3043	150	2	2018	DATE
ajis02-3043	150	3	qasim & abu-shanab	ORG
ajis02-3043	150	4	2016	DATE
ajis02-3043	150	5	xin et al.	PERSON
ajis02-3043	150	6	2015	DATE
ajis02-3043	153	1	5	CARDINAL
ajis02-3043	153	2	nguyen et al	PERSON
ajis02-3043	153	3	2021	CARDINAL
ajis02-3043	153	4	25	CARDINAL
ajis02-3043	153	5	10	CARDINAL
ajis02-3043	153	6	5	CARDINAL
ajis02-3043	154	1	4	CARDINAL
ajis02-3043	155	1	4.1	CARDINAL
ajis02-3043	155	2	1	CARDINAL
ajis02-3043	156	1	vietnamese	NORP
ajis02-3043	157	1	appendix 8.1	PERSON
ajis02-3043	158	1	six	CARDINAL
ajis02-3043	158	2	2012	DATE
ajis02-3043	158	3	srivastava et al	PERSON
ajis02-3043	158	4	2010	DATE
ajis02-3043	158	5	zhou 2011 technology trust	ORG
ajis02-3043	158	6	four	CARDINAL
ajis02-3043	158	7	srivastava et al	PERSON
ajis02-3043	158	8	2010	DATE
ajis02-3043	158	9	six	CARDINAL
ajis02-3043	158	10	mcknight et al.	PERSON
ajis02-3043	158	11	2002	DATE
ajis02-3043	158	12	nguyen 2016	PERSON
ajis02-3043	158	13	srivastava et al	PERSON
ajis02-3043	158	14	2010	DATE
ajis02-3043	158	15	four	CARDINAL
ajis02-3043	158	16	2012	DATE
ajis02-3043	159	1	lu et al	PERSON
ajis02-3043	159	2	2016	DATE
ajis02-3043	159	3	2004	DATE
ajis02-3043	159	4	four	CARDINAL
ajis02-3043	159	5	2011	DATE
ajis02-3043	159	6	qasim & abu-shanab 2016	ORG
ajis02-3043	159	7	three	CARDINAL
ajis02-3043	159	8	2012	DATE
ajis02-3043	159	9	1	CARDINAL
ajis02-3043	159	10	4.2	CARDINAL
ajis02-3043	159	11	vietnam	GPE
ajis02-3043	159	12	1	CARDINAL
ajis02-3043	159	13	18 years old	DATE
ajis02-3043	159	14	2	CARDINAL
ajis02-3043	159	15	the last three months	DATE
ajis02-3043	160	1	vietnamese	NORP
ajis02-3043	161	1	31	CARDINAL
ajis02-3043	163	1	vietnamese	NORP
ajis02-3043	163	2	nguyen et al	PERSON
ajis02-3043	163	3	2021	CARDINAL
ajis02-3043	163	4	25	CARDINAL
ajis02-3043	163	5	11	CARDINAL
ajis02-3043	164	1	28	CARDINAL
ajis02-3043	164	2	5:1	CARDINAL
ajis02-3043	164	3	babin	ORG
ajis02-3043	164	4	anderson, & tatham	ORG
ajis02-3043	164	5	1998	DATE
ajis02-3043	164	6	at least 140	CARDINAL
ajis02-3043	165	1	225	CARDINAL
ajis02-3043	165	2	two months	DATE
ajis02-3043	166	1	204	CARDINAL
ajis02-3043	167	1	72%	PERCENT
ajis02-3043	167	2	28%	PERCENT
ajis02-3043	168	1	nearly 97%	PERCENT
ajis02-3043	168	2	71%	PERCENT
ajis02-3043	168	3	under 35 years old	DATE
ajis02-3043	168	4	94%	PERCENT
ajis02-3043	168	5	more than three years	DATE
ajis02-3043	170	1	appendix 8.2	PERSON
ajis02-3043	171	1	deng, & tay	ORG
ajis02-3043	171	2	2020	DATE
ajis02-3043	171	3	mackenzie	LOC
ajis02-3043	171	4	lee, & podsakoff	ORG
ajis02-3043	171	5	2003	DATE
ajis02-3043	171	6	only 13.56%	PERCENT
ajis02-3043	172	1	less than 50%	PERCENT
ajis02-3043	173	1	two	CARDINAL
ajis02-3043	173	2	six	CARDINAL
ajis02-3043	174	1	95%	PERCENT
ajis02-3043	175	1	xin et al	ORG
ajis02-3043	176	1	2015	DATE
ajis02-3043	178	1	5	CARDINAL
ajis02-3043	179	1	spss	ORG
ajis02-3043	179	2	smartpls	ORG
ajis02-3043	179	3	204	CARDINAL
ajis02-3043	180	1	two	CARDINAL
ajis02-3043	181	1	5.1	CARDINAL
ajis02-3043	181	2	four	CARDINAL
ajis02-3043	182	1	0.7	CARDINAL
ajis02-3043	182	2	straub	ORG
ajis02-3043	182	3	1989	DATE
ajis02-3043	183	1	churchill, 1979	ORG
ajis02-3043	184	1	greater than 0.5	CARDINAL
ajis02-3043	184	2	henseler	ORG
ajis02-3043	184	3	ringle, & sinkovics	ORG
ajis02-3043	184	4	2009	DATE
ajis02-3043	185	1	the htmt analysis	ORG
ajis02-3043	185	2	0.85	CARDINAL
ajis02-3043	185	3	ab hamid	ORG
ajis02-3043	185	4	sami, & sidek	ORG
ajis02-3043	185	5	2017	CARDINAL
ajis02-3043	185	6	kline	GPE
ajis02-3043	185	7	2015	DATE
ajis02-3043	189	1	2	CARDINAL
ajis02-3043	189	2	3	CARDINAL
ajis02-3043	189	3	australasian journal of information systems	ORG
ajis02-3043	189	4	nguyen et al	PERSON
ajis02-3043	189	5	2021	CARDINAL
ajis02-3043	189	6	25	CARDINAL
ajis02-3043	189	7	12	CARDINAL
ajis02-3043	190	1	0.777	CARDINAL
ajis02-3043	191	1	0.649	MONEY
ajis02-3043	191	2	0.717	CARDINAL
ajis02-3043	191	3	0.885	CARDINAL
ajis02-3043	191	4	0.894 0.894 0.678	MONEY
ajis02-3043	191	5	0.806	CARDINAL
ajis02-3043	191	6	0.843	CARDINAL
ajis02-3043	191	7	0.8	CARDINAL
ajis02-3043	191	8	0.844	CARDINAL
ajis02-3043	191	9	0.642	MONEY
ajis02-3043	191	10	0.975 it3 0.78	QUANTITY
ajis02-3043	191	11	0.718 it5	MONEY
ajis02-3043	191	12	0.777	CARDINAL
ajis02-3043	191	13	0.901	CARDINAL
ajis02-3043	191	14	0.648	MONEY
ajis02-3043	191	15	0.829	CARDINAL
ajis02-3043	191	16	0.713	CARDINAL
ajis02-3043	191	17	0.91 0.909	MONEY
ajis02-3043	191	18	st1 0.89	PERSON
ajis02-3043	191	19	0.863	CARDINAL
ajis02-3043	191	20	2	CARDINAL
ajis02-3043	191	21	3	CARDINAL
ajis02-3043	191	22	0.85	CARDINAL
ajis02-3043	191	23	ab hamid et al.	ORG
ajis02-3043	191	24	2017	DATE
ajis02-3043	191	25	kline	GPE
ajis02-3043	191	26	2015	DATE
ajis02-3043	192	1	3	CARDINAL
ajis02-3043	193	1	htmt	ORG
ajis02-3043	193	2	hu	ORG
ajis02-3043	193	3	1999	DATE
ajis02-3043	193	4	4	CARDINAL
ajis02-3043	194	1	4	CARDINAL
ajis02-3043	195	1	st ct	PERSON
ajis02-3043	195	2	0.581	CARDINAL
ajis02-3043	195	3	0.775	CARDINAL
ajis02-3043	195	4	0.816	CARDINAL
ajis02-3043	195	5	st	PERSON
ajis02-3043	195	6	0.747 0.712	CARDINAL
ajis02-3043	195	7	2.830	CARDINAL
ajis02-3043	195	8	0.901	CARDINAL
ajis02-3043	195	9	0.95	CARDINAL
ajis02-3043	195	10	0.071	CARDINAL
ajis02-3043	195	11	0.08	CARDINAL
ajis02-3043	195	12	nguyen et al	PERSON
ajis02-3043	195	13	2021	CARDINAL
ajis02-3043	195	14	25	CARDINAL
ajis02-3043	195	15	13 5.2	CARDINAL
ajis02-3043	196	1	three	CARDINAL
ajis02-3043	196	2	p<0.1	ORG
ajis02-3043	196	3	p<0.01 (baptista & oliveira	ORG
ajis02-3043	196	4	2015	DATE
ajis02-3043	196	5	1	CARDINAL
ajis02-3043	196	6	3	DATE
ajis02-3043	196	7	4	DATE
ajis02-3043	197	1	5	CARDINAL
ajis02-3043	198	1	2	CARDINAL
ajis02-3043	199	1	74.1%	PERCENT
ajis02-3043	199	2	33.5%	PERCENT
ajis02-3043	200	1	5	CARDINAL
ajis02-3043	200	2	6	CARDINAL
ajis02-3043	200	3	0.25	CARDINAL
ajis02-3043	200	4	0.29	CARDINAL
ajis02-3043	200	5	0.019	MONEY
ajis02-3043	200	6	h4	ORG
ajis02-3043	200	7	0.098	MONEY
ajis02-3043	200	8	4.071	MONEY
ajis02-3043	200	9	0.579 0.066 8.835	MONEY
ajis02-3043	200	10	5	CARDINAL
ajis02-3043	201	1	0.250	CARDINAL
ajis02-3043	201	2	0.399	CARDINAL
ajis02-3043	201	3	74.1	CARDINAL
ajis02-3043	201	4	33.5	CARDINAL
ajis02-3043	201	5	6	CARDINAL
ajis02-3043	202	1	three	CARDINAL
ajis02-3043	202	2	6	CARDINAL
ajis02-3043	203	1	three	CARDINAL
ajis02-3043	204	1	0.037 0.404 0.093	MONEY
ajis02-3043	204	2	0.26	CARDINAL
ajis02-3043	204	3	0.168 1.068	MONEY
ajis02-3043	204	4	6	CARDINAL
ajis02-3043	205	1	nguyen et al	PERSON
ajis02-3043	205	2	2021	CARDINAL
ajis02-3043	205	3	25	CARDINAL
ajis02-3043	205	4	14 6	DATE
ajis02-3043	206	1	6.1	CARDINAL
ajis02-3043	207	1	74.1%	PERCENT
ajis02-3043	207	2	1998	DATE
ajis02-3043	208	1	mcommerce	ORG
ajis02-3043	208	2	joubert & belle	ORG
ajis02-3043	208	3	2009	DATE
ajis02-3043	208	4	mcknight et al.	PERSON
ajis02-3043	208	5	2002	DATE
ajis02-3043	208	6	2014	DATE
ajis02-3043	209	1	mcknight et al.	PERSON
ajis02-3043	209	2	2002	DATE
ajis02-3043	209	3	mcknight et al.	PERSON
ajis02-3043	209	4	2004	DATE
ajis02-3043	209	5	nguyen	PERSON
ajis02-3043	209	6	2016	DATE
ajis02-3043	210	1	third	ORDINAL
ajis02-3043	211	1	2016	DATE
ajis02-3043	211	2	2004	DATE
ajis02-3043	211	3	2004	DATE
ajis02-3043	213	1	patil et al.	PERSON
ajis02-3043	213	2	2018	DATE
ajis02-3043	213	3	qasim & abu-shanab	ORG
ajis02-3043	213	4	2016	DATE
ajis02-3043	213	5	xin et al.	PERSON
ajis02-3043	213	6	2015	DATE
ajis02-3043	215	1	2	CARDINAL
ajis02-3043	219	1	mcommerce	PERSON
ajis02-3043	222	1	three	CARDINAL
ajis02-3043	226	1	australasian journal of information systems	ORG
ajis02-3043	226	2	nguyen et al	PERSON
ajis02-3043	226	3	2021	CARDINAL
ajis02-3043	226	4	25	CARDINAL
ajis02-3043	226	5	15 6.2	CARDINAL
ajis02-3043	226	6	covid-19	PERSON
ajis02-3043	229	1	three	CARDINAL
ajis02-3043	232	1	three	CARDINAL
ajis02-3043	233	1	three	CARDINAL
ajis02-3043	241	1	three	CARDINAL
ajis02-3043	244	1	three	CARDINAL
ajis02-3043	245	1	three	CARDINAL
ajis02-3043	246	1	6.3	CARDINAL
ajis02-3043	247	1	204	CARDINAL
ajis02-3043	249	1	australasian journal of information systems	ORG
ajis02-3043	249	2	nguyen et al	PERSON
ajis02-3043	249	3	2021	CARDINAL
ajis02-3043	249	4	25	CARDINAL
ajis02-3043	249	5	16 7	DATE
ajis02-3043	249	6	covid-19	ORG
ajis02-3043	252	1	vietnam	GPE
ajis02-3043	252	2	one	CARDINAL
ajis02-3043	253	1	three	CARDINAL
ajis02-3043	255	1	three	CARDINAL
ajis02-3043	257	1	ab hamid	PERSON
ajis02-3043	257	2	m., sami	PERSON
ajis02-3043	257	3	w., & sidek	ORG
ajis02-3043	257	4	m. m.	PERSON
ajis02-3043	257	5	2017	CARDINAL
ajis02-3043	258	1	fornell &	ORG
ajis02-3043	258	2	htmt criterion.	ORG
ajis02-3043	259	1	890(1	CARDINAL
ajis02-3043	259	2	012163	DATE
ajis02-3043	260	1	alalwan	PERSON
ajis02-3043	260	2	a. a.	PERSON
ajis02-3043	260	3	dwivedi	PERSON
ajis02-3043	260	4	y. k.	PERSON
ajis02-3043	260	5	n. p.	PERSON
ajis02-3043	260	6	2017	CARDINAL
ajis02-3043	261	1	jordanian bank	ORG
ajis02-3043	261	2	utaut2	ORG
ajis02-3043	262	1	international journal of information management	ORG
ajis02-3043	262	2	37(3	CARDINAL
ajis02-3043	262	3	99	CARDINAL
ajis02-3043	263	1	alhulail, h. (2018	ORG
ajis02-3043	265	1	rmit university	ORG
ajis02-3043	265	2	274490001341	CARDINAL
ajis02-3043	265	3	n., & rafaeli	ORG
ajis02-3043	265	4	s.	PERSON
ajis02-3043	265	5	2012	DATE
ajis02-3043	267	1	50-67	CARDINAL
ajis02-3043	268	1	2017	CARDINAL
ajis02-3043	270	1	https://bankinnovation.net/2017/06/security-and-lack-of-truststall-mobile-payment-adoption/ baptista	PERSON
ajis02-3043	270	2	2015	CARDINAL
ajis02-3043	272	1	50	CARDINAL
ajis02-3043	272	2	418	CARDINAL
ajis02-3043	273	1	bilgihan, a.	PERSON
ajis02-3043	273	2	2016	CARDINAL
ajis02-3043	274	1	gen y	PERSON
ajis02-3043	275	1	61	CARDINAL
ajis02-3043	275	2	103	CARDINAL
ajis02-3043	276	1	j. (2018	ORG
ajis02-3043	277	1	6/10/2019	DATE
ajis02-3043	277	2	https://www.finder.com.au/mobile-payment-systems chau	ORG
ajis02-3043	277	3	n. t.	PERSON
ajis02-3043	277	4	deng, h., & tay	ORG
ajis02-3043	277	5	r. j. j. o. m. m.	PERSON
ajis02-3043	277	6	2020	DATE
ajis02-3043	278	1	vietnamese	NORP
ajis02-3043	279	1	36(5	CARDINAL
ajis02-3043	279	2	456	CARDINAL
ajis02-3043	280	1	australasian journal of information systems	ORG
ajis02-3043	280	2	nguyen et al	PERSON
ajis02-3043	280	3	2021	CARDINAL
ajis02-3043	280	4	25	CARDINAL
ajis02-3043	280	5	17 chen	PERSON
ajis02-3043	280	6	s. c., & dhillon	PERSON
ajis02-3043	280	7	g. s.	PERSON
ajis02-3043	280	8	2003	DATE
ajis02-3043	281	1	4(2-3	CARDINAL
ajis02-3043	281	2	303	CARDINAL
ajis02-3043	282	1	cheung	PERSON
ajis02-3043	282	2	c. m.	PERSON
ajis02-3043	282	3	m. k.	PERSON
ajis02-3043	282	4	2001	DATE
ajis02-3043	284	1	9(3	CARDINAL
ajis02-3043	284	2	23	CARDINAL
ajis02-3043	285	1	chin	PERSON
ajis02-3043	285	2	w. w.	PERSON
ajis02-3043	285	3	1998	DATE
ajis02-3043	288	1	university of minnesota	ORG
ajis02-3043	289	1	cho	PERSON
ajis02-3043	289	2	h. j.	PERSON
ajis02-3043	289	3	& lee	PERSON
ajis02-3043	290	1	2007	DATE
ajis02-3043	292	1	40th	ORDINAL
ajis02-3043	292	2	annual	DATE
ajis02-3043	292	3	3	CARDINAL
ajis02-3043	292	4	waikoloa	GPE
ajis02-3043	292	5	50-50	CARDINAL
ajis02-3043	293	1	churchill	PERSON
ajis02-3043	293	2	g. a.	PERSON
ajis02-3043	293	3	1979	DATE
ajis02-3043	295	1	16(1	CARDINAL
ajis02-3043	295	2	64	CARDINAL
ajis02-3043	296	1	coyle	PERSON
ajis02-3043	296	2	2013	DATE
ajis02-3043	297	1	w. h.	PERSON
ajis02-3043	297	2	e. r.	PERSON
ajis02-3043	297	3	2003	DATE
ajis02-3043	298	1	delone	ORG
ajis02-3043	298	2	mclean	NORP
ajis02-3043	298	3	ten-year	DATE
ajis02-3043	299	1	journal of management information systems	ORG
ajis02-3043	299	2	9-30	CARDINAL
ajis02-3043	300	1	s. (2018	ORG
ajis02-3043	303	1	2018a	DATE
ajis02-3043	304	1	vietnam	GPE
ajis02-3043	306	1	2018b	DATE
ajis02-3043	307	1	vietnam	GPE
ajis02-3043	307	2	16/12/2018	DATE
ajis02-3043	307	3	m., & ajzen	ORG
ajis02-3043	307	4	i.	PERSON
ajis02-3043	307	5	1975	DATE
ajis02-3043	308	1	addison-wesley	ORG
ajis02-3043	308	2	ma	PERSON
ajis02-3043	308	3	gao	PERSON
ajis02-3043	308	4	k. a.	PERSON
ajis02-3043	308	5	2017	CARDINAL
ajis02-3043	310	1	19(3	DATE
ajis02-3043	310	2	525	CARDINAL
ajis02-3043	311	1	d.	NORP
ajis02-3043	311	2	karahanna	GPE
ajis02-3043	311	3	e., & straub	ORG
ajis02-3043	311	4	d. w.	PERSON
ajis02-3043	311	5	2003	DATE
ajis02-3043	313	1	quarterly	DATE
ajis02-3043	313	2	27(1	CARDINAL
ajis02-3043	313	3	51-90	CARDINAL
ajis02-3043	314	1	guangming	PERSON
ajis02-3043	314	2	2011	DATE
ajis02-3043	316	1	2011	DATE
ajis02-3043	316	2	6-8 may 2011	DATE
ajis02-3043	316	3	shanghai	GPE
ajis02-3043	316	4	china	GPE
ajis02-3043	316	5	1	CARDINAL
ajis02-3043	316	6	j. f.	PERSON
ajis02-3043	316	7	w. c.	PERSON
ajis02-3043	316	8	babin	ORG
ajis02-3043	316	9	b. j.	PERSON
ajis02-3043	316	10	anderson	PERSON
ajis02-3043	316	11	r. e.	PERSON
ajis02-3043	316	12	r. l.	PERSON
ajis02-3043	316	13	1998	DATE
ajis02-3043	317	1	5	CARDINAL
ajis02-3043	317	2	prentice hall	ORG
ajis02-3043	317	3	nj	ORG
ajis02-3043	317	4	hallikainen, h., & laukkanen	ORG
ajis02-3043	317	5	t. j. i. j. o. i. m. (	PERSON
ajis02-3043	317	6	2018	DATE
ajis02-3043	319	1	international journal of information management	ORG
ajis02-3043	319	2	38(1	CARDINAL
ajis02-3043	319	3	97	CARDINAL
ajis02-3043	320	1	henseler	ORG
ajis02-3043	320	2	j.	PERSON
ajis02-3043	320	3	ringle	ORG
ajis02-3043	320	4	c. m.	PERSON
ajis02-3043	320	5	r. r.	PERSON
ajis02-3043	320	6	2009	DATE
ajis02-3043	322	1	277319	DATE
ajis02-3043	323	1	hillman	ORG
ajis02-3043	323	2	s., & neustaedter	ORG
ajis02-3043	323	3	2017	CARDINAL
ajis02-3043	324	1	north america	LOC
ajis02-3043	325	1	70	CARDINAL
ajis02-3043	325	2	10	CARDINAL
ajis02-3043	326	1	australasian journal of information systems	ORG
ajis02-3043	326	2	nguyen et al	PERSON
ajis02-3043	326	3	2021	CARDINAL
ajis02-3043	326	4	25	CARDINAL
ajis02-3043	326	5	18	CARDINAL
ajis02-3043	326	6	l. t., & bentler	PERSON
ajis02-3043	326	7	p. m.	PERSON
ajis02-3043	326	8	1999	DATE
ajis02-3043	328	1	6(1	CARDINAL
ajis02-3043	328	2	1-55	CARDINAL
ajis02-3043	329	1	huang	PERSON
ajis02-3043	329	2	& liu	PERSON
ajis02-3043	329	3	w.	PERSON
ajis02-3043	329	4	2012	DATE
ajis02-3043	331	1	2012	DATE
ajis02-3043	331	2	20	CARDINAL
ajis02-3043	331	3	october 2012	DATE
ajis02-3043	331	4	sanya	GPE
ajis02-3043	331	5	china	GPE
ajis02-3043	331	6	90	CARDINAL
ajis02-3043	332	1	jia, l., hall	PERSON
ajis02-3043	332	2	d., & zhu	ORG
ajis02-3043	332	3	2015	CARDINAL
ajis02-3043	334	1	21st	ORDINAL
ajis02-3043	334	2	13	CARDINAL
ajis02-3043	334	3	fajardo	GPE
ajis02-3043	334	4	puerto rico	GPE
ajis02-3043	335	1	jimenez	GPE
ajis02-3043	335	2	n.	ORG
ajis02-3043	335	3	san-martin	GPE
ajis02-3043	335	4	s., & azuela	ORG
ajis02-3043	335	5	j. i.	PERSON
ajis02-3043	335	6	2016	DATE
ajis02-3043	337	1	academia revista latinoamericana de administración	ORG
ajis02-3043	337	2	486	CARDINAL
ajis02-3043	338	1	joubert	PERSON
ajis02-3043	338	2	j., & belle	ORG
ajis02-3043	338	3	j.-p	GPE
ajis02-3043	339	1	2009	DATE
ajis02-3043	340	1	south african	NORP
ajis02-3043	341	1	2009	DATE
ajis02-3043	341	2	96	CARDINAL
ajis02-3043	342	1	joubert	PERSON
ajis02-3043	342	2	j., & belle	ORG
ajis02-3043	342	3	j.-p	GPE
ajis02-3043	343	1	2013	DATE
ajis02-3043	344	1	south africa	GPE
ajis02-3043	345	1	international journal of business	ORG
ajis02-3043	345	2	3(2	CARDINAL
ajis02-3043	345	3	2738	CARDINAL
ajis02-3043	346	1	kline	GPE
ajis02-3043	346	2	r. b.	PERSON
ajis02-3043	346	3	2015	DATE
ajis02-3043	348	1	new york	GPE
ajis02-3043	349	1	guilford	ORG
ajis02-3043	350	1	kolaki, m. (2017	ORG
ajis02-3043	352	1	linnaus university	ORG
ajis02-3043	352	2	pousttchi	GPE
ajis02-3043	352	3	k., & turowski	ORG
ajis02-3043	352	4	2002	DATE
ajis02-3043	354	1	third	ORDINAL
ajis02-3043	354	2	400	CARDINAL
ajis02-3043	355	1	krishnan	PERSON
ajis02-3043	355	2	a.	PERSON
ajis02-3043	355	3	2015	CARDINAL
ajis02-3043	356	1	https://www.linkedin.com/pulse/technology-behind-mobile-payments-anandkrishnan lin	PERSON
ajis02-3043	356	2	j.	PERSON
ajis02-3043	356	3	wang	PERSON
ajis02-3043	356	4	b.	PERSON
ajis02-3043	356	5	wang	GPE
ajis02-3043	356	6	2014	DATE
ajis02-3043	358	1	15(1	CARDINAL
ajis02-3043	358	2	37	CARDINAL
ajis02-3043	359	1	liu	PERSON
ajis02-3043	359	2	2012	DATE
ajis02-3043	360	1	northern jiangsu area	LOC
ajis02-3043	361	1	2012	DATE
ajis02-3043	361	2	second	ORDINAL
ajis02-3043	361	3	12	CARDINAL
ajis02-3043	361	4	shanghai	GPE
ajis02-3043	361	5	china	GPE
ajis02-3043	361	6	257-260	QUANTITY
ajis02-3043	362	1	b.	PERSON
ajis02-3043	362	2	w., & zhou	ORG
ajis02-3043	362	3	m.	PERSON
ajis02-3043	362	4	2016	DATE
ajis02-3043	364	1	56	CARDINAL
ajis02-3043	364	2	225	CARDINAL
ajis02-3043	365	1	yang	PERSON
ajis02-3043	365	2	s.	PERSON
ajis02-3043	365	3	2011	DATE
ajis02-3043	367	1	information & management	ORG
ajis02-3043	367	2	48(8	CARDINAL
ajis02-3043	367	3	393	CARDINAL
ajis02-3043	368	1	b., & venkatesh	ORG
ajis02-3043	368	2	2000	DATE
ajis02-3043	370	1	asia millennium	LOC
ajis02-3043	370	2	bombay	GPE
ajis02-3043	370	3	india	GPE
ajis02-3043	370	4	r. f., & hwang	PERSON
ajis02-3043	370	5	2016	DATE
ajis02-3043	372	1	54	DATE
ajis02-3043	372	2	453	CARDINAL
ajis02-3043	373	1	australasian journal of information systems	ORG
ajis02-3043	373	2	nguyen et al	PERSON
ajis02-3043	373	3	2021	CARDINAL
ajis02-3043	373	4	25	CARDINAL
ajis02-3043	373	5	19 mcknight	QUANTITY
ajis02-3043	373	6	d. h., & chervany	ORG
ajis02-3043	373	7	n. l.	PERSON
ajis02-3043	373	8	2001a	DATE
ajis02-3043	374	1	one	CARDINAL
ajis02-3043	375	1	27-54	CARDINAL
ajis02-3043	376	1	mcknight	WORK_OF_ART
ajis02-3043	376	2	d. h., & chervany	ORG
ajis02-3043	376	3	n. l.	PERSON
ajis02-3043	376	4	2001b	DATE
ajis02-3043	378	1	6(2	CARDINAL
ajis02-3043	378	2	35	CARDINAL
ajis02-3043	379	1	mcknight	WORK_OF_ART
ajis02-3043	379	2	d. h.	PERSON
ajis02-3043	379	3	choudhury	PERSON
ajis02-3043	379	4	& kacmar	ORG
ajis02-3043	379	5	2002	DATE
ajis02-3043	381	1	13(3	CARDINAL
ajis02-3043	381	2	334-359	CARDINAL
ajis02-3043	382	1	mcknight	WORK_OF_ART
ajis02-3043	382	2	d. h.	PERSON
ajis02-3043	382	3	kacmar	GPE
ajis02-3043	382	4	c. j.	PERSON
ajis02-3043	382	5	2004	DATE
ajis02-3043	384	1	3(2	CARDINAL
ajis02-3043	384	2	35	CARDINAL
ajis02-3043	385	1	meng	PERSON
ajis02-3043	385	2	d., min	PERSON
ajis02-3043	385	3	q., & li	ORG
ajis02-3043	385	4	2008	DATE
ajis02-3043	387	1	2008	DATE
ajis02-3043	387	2	3	CARDINAL
ajis02-3043	387	3	august 2008	DATE
ajis02-3043	387	4	guangzhou city	GPE
ajis02-3043	387	5	china	GPE
ajis02-3043	387	6	246	CARDINAL
ajis02-3043	388	1	q.	PERSON
ajis02-3043	388	2	meng	PERSON
ajis02-3043	388	3	d., & zhong,	ORG
ajis02-3043	388	4	2008	DATE
ajis02-3043	390	1	2008	DATE
ajis02-3043	390	2	659	CARDINAL
ajis02-3043	391	1	s.	PERSON
ajis02-3043	391	2	l.	PERSON
ajis02-3043	391	3	2014	DATE
ajis02-3043	393	1	2014	DATE
ajis02-3043	393	2	312317	DATE
ajis02-3043	394	1	mobiforge	PERSON
ajis02-3043	395	1	2014	DATE
ajis02-3043	399	1	1/02/2020	DATE
ajis02-3043	399	2	l. d.	PERSON
ajis02-3043	399	3	2016	DATE
ajis02-3043	400	1	vietnam	GPE
ajis02-3043	401	1	phd doctorate	PERSON
ajis02-3043	401	2	griffith university	ORG
ajis02-3043	401	3	griffith university	ORG
ajis02-3043	402	1	t. a.	GPE
ajis02-3043	402	2	dick, m., & pham	PERSON
ajis02-3043	402	3	h. c.	PERSON
ajis02-3043	402	4	2020	DATE
ajis02-3043	404	1	13th	ORDINAL
ajis02-3043	404	2	2020	DATE
ajis02-3043	404	3	sofia university	ORG
ajis02-3043	404	4	bulgaria	GPE
ajis02-3043	404	5	29	CARDINAL
ajis02-3043	405	1	patil	NORP
ajis02-3043	405	2	rana	PERSON
ajis02-3043	405	3	dwivedi	PERSON
ajis02-3043	405	4	abu-hamour	PERSON
ajis02-3043	405	5	2018	DATE
ajis02-3043	407	1	2018	DATE
ajis02-3043	407	2	129	CARDINAL
ajis02-3043	408	1	pavlou, p. a.	PERSON
ajis02-3043	408	2	2004	DATE
ajis02-3043	410	1	15(1	CARDINAL
ajis02-3043	410	2	37	CARDINAL
ajis02-3043	411	1	peter	PERSON
ajis02-3043	411	2	j. p.	PERSON
ajis02-3043	411	3	sr	ORG
ajis02-3043	411	4	t., & x	ORG
ajis02-3043	411	5	1975	DATE
ajis02-3043	412	1	three	CARDINAL
ajis02-3043	413	1	2(1	CARDINAL
ajis02-3043	413	2	29	CARDINAL
ajis02-3043	414	1	m. (	PERSON
ajis02-3043	414	2	2015	DATE
ajis02-3043	415	1	thailand	GPE
ajis02-3043	416	1	20(1	CARDINAL
ajis02-3043	417	1	piao	GPE
ajis02-3043	417	2	c.	GPE
ajis02-3043	417	3	wang	GPE
ajis02-3043	417	4	s., & yang	ORG
ajis02-3043	417	5	f.	PERSON
ajis02-3043	417	6	2012	DATE
ajis02-3043	419	1	2012	DATE
ajis02-3043	419	2	ninth	ORDINAL
ajis02-3043	419	3	9	CARDINAL
ajis02-3043	419	4	hangzhou	GPE
ajis02-3043	419	5	china	GPE
ajis02-3043	419	6	25	CARDINAL
ajis02-3043	420	1	australasian journal of information systems	ORG
ajis02-3043	420	2	nguyen et al	PERSON
ajis02-3043	420	3	2021	CARDINAL
ajis02-3043	420	4	25	CARDINAL
ajis02-3043	420	5	20	CARDINAL
ajis02-3043	420	6	p. m.	PERSON
ajis02-3043	420	7	mackenzie	LOC
ajis02-3043	420	8	s. b.	PERSON
ajis02-3043	420	9	lee	PERSON
ajis02-3043	420	10	j.-y.	GPE
ajis02-3043	420	11	2003	DATE
ajis02-3043	422	1	879	CARDINAL
ajis02-3043	422	2	pwc	ORG
ajis02-3043	422	3	2019	DATE
ajis02-3043	423	1	vietnam	GPE
ajis02-3043	423	2	thailand	GPE
ajis02-3043	423	3	second	ORDINAL
ajis02-3043	423	4	southeast asia	LOC
ajis02-3043	424	1	8/12/2020	DATE
ajis02-3043	424	2	qasim	PERSON
ajis02-3043	424	3	2016	DATE
ajis02-3043	426	1	1021-1034	CARDINAL
ajis02-3043	428	1	2020	DATE
ajis02-3043	429	1	covid-19	PERSON
ajis02-3043	429	2	2020	DATE
ajis02-3043	429	3	30/7/2020	DATE
ajis02-3043	429	4	k., lowry	ORG
ajis02-3043	429	5	b., & hwang	ORG
ajis02-3043	429	6	2016	DATE
ajis02-3043	430	1	arab	NORP
ajis02-3043	431	1	19	CARDINAL
ajis02-3043	431	2	33	CARDINAL
ajis02-3043	432	1	a.	PERSON
ajis02-3043	432	2	2016	CARDINAL
ajis02-3043	433	1	the united arab emirates	GPE
ajis02-3043	434	1	victoria university	ORG
ajis02-3043	434	2	wellington	GPE
ajis02-3043	434	3	k., & shen	ORG
ajis02-3043	434	4	z.	PERSON
ajis02-3043	434	5	2003	DATE
ajis02-3043	436	1	91-94	CARDINAL
ajis02-3043	437	1	siau	PERSON
ajis02-3043	437	2	k., sheng, h., & nah	PERSON
ajis02-3043	437	3	f.	PERSON
ajis02-3043	437	4	2003	DATE
ajis02-3043	439	1	2003	DATE
ajis02-3043	439	2	6	CARDINAL
ajis02-3043	440	1	siau	PERSON
ajis02-3043	440	2	k., sheng, h.	PERSON
ajis02-3043	440	3	f., & davis	ORG
ajis02-3043	440	4	s.	PERSON
ajis02-3043	440	5	2004	DATE
ajis02-3043	442	1	international journal of electronic business	ORG
ajis02-3043	442	2	2(3	CARDINAL
ajis02-3043	442	3	283-300	CARDINAL
ajis02-3043	443	1	slade	ORG
ajis02-3043	443	2	e., williams	PERSON
ajis02-3043	443	3	m., dwivedi	PERSON
ajis02-3043	443	4	2015	CARDINAL
ajis02-3043	445	1	23(3	CARDINAL
ajis02-3043	445	2	209	CARDINAL
ajis02-3043	446	1	slade	ORG
ajis02-3043	446	2	e. l.	PERSON
ajis02-3043	446	3	dwivedi	PERSON
ajis02-3043	446	4	y. k.	PERSON
ajis02-3043	446	5	piercy	PERSON
ajis02-3043	446	6	n. c., & williams	PERSON
ajis02-3043	446	7	m. d.	PERSON
ajis02-3043	446	8	2015	CARDINAL
ajis02-3043	447	1	the united kingdom	GPE
ajis02-3043	448	1	32(8	CARDINAL
ajis02-3043	448	2	860	CARDINAL
ajis02-3043	449	1	srivastava	PERSON
ajis02-3043	449	2	s. c.	PERSON
ajis02-3043	449	3	chandra	GPE
ajis02-3043	449	4	s., & theng	ORG
ajis02-3043	450	1	2010	DATE
ajis02-3043	452	1	27	CARDINAL
ajis02-3043	452	2	561	CARDINAL
ajis02-3043	453	1	2018	DATE
ajis02-3043	454	1	vietnam	GPE
ajis02-3043	454	2	2015	CARDINAL
ajis02-3043	454	3	2022	CARDINAL
ajis02-3043	454	4	millions	CARDINAL
ajis02-3043	454	5	16/12/2018	DATE
ajis02-3043	454	6	straub	PERSON
ajis02-3043	454	7	d. w.	PERSON
ajis02-3043	454	8	1989	DATE
ajis02-3043	456	1	quarterly	DATE
ajis02-3043	456	2	13(2	CARDINAL
ajis02-3043	456	3	147	CARDINAL
ajis02-3043	457	1	stringfellow, a. (	PERSON
ajis02-3043	457	2	2018	DATE
ajis02-3043	459	1	https://www.tccrocks.com/blog/what-is-a-mobile-payment/	NORP
ajis02-3043	459	2	j. y.,	PERSON
ajis02-3043	459	3	& xu	PERSON
ajis02-3043	459	4	x.	GPE
ajis02-3043	459	5	2012	DATE
ajis02-3043	461	1	quarterly	DATE
ajis02-3043	461	2	36(1	CARDINAL
ajis02-3043	461	3	157	CARDINAL
ajis02-3043	462	1	xin, h.	ORG
ajis02-3043	462	2	a. a.	PERSON
ajis02-3043	462	3	f. b.	PERSON
ajis02-3043	462	4	2015	DATE
ajis02-3043	464	1	55(4	CARDINAL
ajis02-3043	464	2	1-10	CARDINAL
ajis02-3043	465	1	australasian journal of information systems	ORG
ajis02-3043	465	2	nguyen et al	PERSON
ajis02-3043	465	3	2021	CARDINAL
ajis02-3043	465	4	25	CARDINAL
ajis02-3043	465	5	21 yan	PERSON
ajis02-3043	465	6	z.	PERSON
ajis02-3043	465	7	2014	DATE
ajis02-3043	467	1	2014	DATE
ajis02-3043	467	2	31	CARDINAL
ajis02-3043	467	3	november 2014	DATE
ajis02-3043	467	4	shanghai	GPE
ajis02-3043	467	5	china	GPE
ajis02-3043	467	6	156	CARDINAL
ajis02-3043	468	1	yan	PERSON
ajis02-3043	468	2	z.	PERSON
ajis02-3043	468	3	niemi	GPE
ajis02-3043	468	4	2008	DATE
ajis02-3043	470	1	23	CARDINAL
ajis02-3043	470	2	june 2008	DATE
ajis02-3043	470	3	oslo	GPE
ajis02-3043	470	4	norway	GPE
ajis02-3043	470	5	455	CARDINAL
ajis02-3043	471	1	zhou	PERSON
ajis02-3043	471	2	t.	GPE
ajis02-3043	471	3	2011	DATE
ajis02-3043	473	1	27(4	CARDINAL
ajis02-3043	473	2	290-300	CARDINAL
ajis02-3043	474	1	zhou	PERSON
ajis02-3043	474	2	t.	PERSON
ajis02-3043	474	3	2013	DATE
ajis02-3043	476	1	1085-1091	DATE
ajis02-3043	477	1	zhou	PERSON
ajis02-3043	477	2	t.	GPE
ajis02-3043	477	3	2014	DATE
ajis02-3043	479	1	industrial management & data systems	ORG
ajis02-3043	479	2	114(6	ORG
ajis02-3043	479	3	936	CARDINAL
ajis02-3043	480	1	appendix a.	PERSON
ajis02-3043	480	2	six	CARDINAL
ajis02-3043	486	1	andreev et al.	PERSON
ajis02-3043	486	2	2012	DATE
ajis02-3043	486	3	srivastava et al.	PERSON
ajis02-3043	486	4	2010	DATE
ajis02-3043	486	5	zhou	PERSON
ajis02-3043	486	6	2011	DATE
ajis02-3043	486	7	four	CARDINAL
ajis02-3043	486	8	tt1	PERSON
ajis02-3043	491	1	srivastava et al	PERSON
ajis02-3043	492	1	2010	DATE
ajis02-3043	492	2	six	CARDINAL
ajis02-3043	494	1	it2	PERSON
ajis02-3043	496	1	it3	PERSON
ajis02-3043	500	1	it5	ORG
ajis02-3043	504	1	mcknight et al.	PERSON
ajis02-3043	504	2	2002	DATE
ajis02-3043	504	3	nguyen	PERSON
ajis02-3043	504	4	2016	DATE
ajis02-3043	504	5	srivastava et al.	PERSON
ajis02-3043	504	6	2010	DATE
ajis02-3043	504	7	four	CARDINAL
ajis02-3043	504	8	st1	PERSON
ajis02-3043	506	1	andreev et al.	PERSON
ajis02-3043	506	2	2012	DATE
ajis02-3043	506	3	lu et al.	PERSON
ajis02-3043	506	4	2016	DATE
ajis02-3043	506	5	2004	DATE
ajis02-3043	506	6	nguyen et al	PERSON
ajis02-3043	506	7	2021	CARDINAL
ajis02-3043	506	8	25	CARDINAL
ajis02-3043	506	9	22	CARDINAL
ajis02-3043	507	1	st3	PERSON
ajis02-3043	509	1	st4	GPE
ajis02-3043	511	1	four	CARDINAL
ajis02-3043	512	1	ct2	ORG
ajis02-3043	513	1	lu et al.	PERSON
ajis02-3043	513	2	2011	DATE
ajis02-3043	513	3	qasim & abu-shanab 2016	ORG
ajis02-3043	513	4	three	CARDINAL
ajis02-3043	516	1	daily	DATE
ajis02-3043	517	1	in3	PERSON
ajis02-3043	519	1	2012	DATE
ajis02-3043	519	2	appendix b.	PERSON
ajis02-3043	519	3	57 27.9	CARDINAL
ajis02-3043	519	4	147	CARDINAL
ajis02-3043	519	5	72.1	CARDINAL
ajis02-3043	519	6	6 2.9	CARDINAL
ajis02-3043	519	7	5 2.5	CARDINAL
ajis02-3043	519	8	116 56.9 master degree	QUANTITY
ajis02-3043	519	9	65 31.9 phd degree	QUANTITY
ajis02-3043	519	10	12 5.9	CARDINAL
ajis02-3043	519	11	62 30.4	CARDINAL
ajis02-3043	519	12	4	CARDINAL
ajis02-3043	519	13	1 0.5	CARDINAL
ajis02-3043	519	14	34 16.7	CARDINAL
ajis02-3043	519	15	10 4.9	CARDINAL
ajis02-3043	519	16	33	CARDINAL
ajis02-3043	519	17	16.2	CARDINAL
ajis02-3043	519	18	46 22.5	CARDINAL
ajis02-3043	519	19	14 6.9 age 18-25	DATE
ajis02-3043	519	20	35.5	CARDINAL
ajis02-3043	519	21	35.5	CARDINAL
ajis02-3043	519	22	36-over	CARDINAL
ajis02-3043	519	23	5.000.000	CARDINAL
ajis02-3043	519	24	56	CARDINAL
ajis02-3043	519	25	10.000.000	CARDINAL
ajis02-3043	519	26	74 36.3 10.000.000	QUANTITY
ajis02-3043	519	27	18.000.000	CARDINAL
ajis02-3043	519	28	49	CARDINAL
ajis02-3043	519	29	24.0 32.000.000	CARDINAL
ajis02-3043	519	30	52.000.000	CARDINAL
ajis02-3043	519	31	18 8.8 52.000.000	CARDINAL
ajis02-3043	519	32	80.000.000	CARDINAL
ajis02-3043	519	33	6 2.9	CARDINAL
ajis02-3043	519	34	1 0.5	CARDINAL
ajis02-3043	519	35	1 0.5	CARDINAL
ajis02-3043	519	36	3 to under 12 months	DATE
ajis02-3043	519	37	1 0.5	CARDINAL
ajis02-3043	519	38	nguyen et al	PERSON
ajis02-3043	519	39	2021	CARDINAL
ajis02-3043	519	40	25	CARDINAL
ajis02-3043	519	41	23	CARDINAL
ajis02-3043	519	42	1	CARDINAL
ajis02-3043	519	43	2 to under 3 years	DATE
ajis02-3043	519	44	3 years	DATE
ajis02-3043	519	45	193 94.6	CARDINAL
ajis02-3043	519	46	11.8	CARDINAL
ajis02-3043	519	47	3 to under 12 months 34	DATE
ajis02-3043	519	48	16.7	CARDINAL
ajis02-3043	519	49	1 to under 2 years	DATE
ajis02-3043	519	50	23.0	CARDINAL
ajis02-3043	519	51	2	CARDINAL
ajis02-3043	519	52	16.2 3 years	DATE
ajis02-3043	519	53	66 32.4	CARDINAL
ajis02-3043	519	54	2021	CARDINAL
ajis02-3043	520	1	3.0	CARDINAL
ajis02-3043	520	2	australia	GPE
ajis02-3043	521	1	1	CARDINAL
ajis02-3043	521	2	2	CARDINAL
ajis02-3043	521	3	2.1	CARDINAL
ajis02-3043	521	4	2.2	CARDINAL
ajis02-3043	521	5	3	CARDINAL
ajis02-3043	521	6	4	CARDINAL
ajis02-3043	521	7	4.1	CARDINAL
ajis02-3043	521	8	4.2	CARDINAL
ajis02-3043	521	9	5	CARDINAL
ajis02-3043	521	10	5.1	CARDINAL
ajis02-3043	521	11	5.2	CARDINAL
ajis02-3043	521	12	6	CARDINAL
ajis02-3043	521	13	6.1	CARDINAL
ajis02-3043	521	14	6.2	CARDINAL
ajis02-3043	521	15	6.3	CARDINAL
ajis02-3043	521	16	7	CARDINAL
ajis02-3043	521	17	appendix b.	PERSON