id	sid	tid	token	lemma	pos
ajis02-1923	1	1	paper	paper	NOUN
ajis02-1923	1	2	title	title	NOUN
ajis02-1923	1	3	(	(	PUNCT
ajis02-1923	1	4	paper	paper	NOUN
ajis02-1923	1	5	title	title	NOUN
ajis02-1923	1	6	style	style	NOUN
ajis02-1923	1	7	)	)	PUNCT
ajis02-1923	1	8	australasian	australasian	ADJ
ajis02-1923	1	9	journal	journal	NOUN
ajis02-1923	1	10	of	of	ADP
ajis02-1923	1	11	information	information	NOUN
ajis02-1923	1	12	systems	system	NOUN
ajis02-1923	1	13	kumar	kumar	PROPN
ajis02-1923	1	14	,	,	PUNCT
ajis02-1923	1	15	sachan	sachan	PROPN
ajis02-1923	1	16	&	&	CCONJ
ajis02-1923	1	17	kumar	kumar	PROPN
ajis02-1923	1	18	2020	2020	PROPN
ajis02-1923	1	19	,	,	PUNCT
ajis02-1923	1	20	vol	vol	NOUN
ajis02-1923	1	21	24	24	NUM
ajis02-1923	1	22	,	,	PUNCT
ajis02-1923	1	23	research	research	NOUN
ajis02-1923	1	24	article	article	NOUN
ajis02-1923	1	25	service	service	NOUN
ajis02-1923	1	26	delivery	delivery	NOUN
ajis02-1923	1	27	and	and	CCONJ
ajis02-1923	1	28	perceived	perceive	VERB
ajis02-1923	1	29	value	value	NOUN
ajis02-1923	1	30	in	in	ADP
ajis02-1923	1	31	internet	internet	NOUN
ajis02-1923	1	32	banking	banking	NOUN
ajis02-1923	1	33	adoption	adoption	NOUN
ajis02-1923	1	34	1	1	NUM
ajis02-1923	1	35	impact	impact	NOUN
ajis02-1923	1	36	of	of	ADP
ajis02-1923	1	37	service	service	NOUN
ajis02-1923	1	38	delivery	delivery	NOUN
ajis02-1923	1	39	system	system	NOUN
ajis02-1923	1	40	process	process	NOUN
ajis02-1923	1	41	and	and	CCONJ
ajis02-1923	1	42	moderating	moderate	VERB
ajis02-1923	1	43	effect	effect	NOUN
ajis02-1923	1	44	of	of	ADP
ajis02-1923	1	45	perceived	perceive	VERB
ajis02-1923	1	46	value	value	NOUN
ajis02-1923	1	47	in	in	ADP
ajis02-1923	1	48	internet	internet	NOUN
ajis02-1923	1	49	banking	banking	NOUN
ajis02-1923	1	50	adoption	adoption	NOUN
ajis02-1923	1	51	rajiv	rajiv	PROPN
ajis02-1923	1	52	kumar	kumar	PROPN
ajis02-1923	1	53	amrita	amrita	PROPN
ajis02-1923	1	54	school	school	PROPN
ajis02-1923	1	55	of	of	ADP
ajis02-1923	1	56	business	business	PROPN
ajis02-1923	1	57	coimbatore	coimbatore	PROPN
ajis02-1923	1	58	india	india	PROPN
ajis02-1923	1	59	1331.rajiv@gmail.com	1331.rajiv@gmail.com	PROPN
ajis02-1923	1	60	amit	amit	PROPN
ajis02-1923	1	61	sachan	sachan	PROPN
ajis02-1923	1	62	indian	indian	PROPN
ajis02-1923	1	63	institute	institute	PROPN
ajis02-1923	1	64	of	of	ADP
ajis02-1923	1	65	management	management	PROPN
ajis02-1923	1	66	ranchi	ranchi	PROPN
ajis02-1923	1	67	india	india	PROPN
ajis02-1923	1	68	ritu	ritu	PROPN
ajis02-1923	1	69	kumar	kumar	PROPN
ajis02-1923	1	70	mukhyamantri	mukhyamantri	PROPN
ajis02-1923	1	71	laghu	laghu	PROPN
ajis02-1923	1	72	evam	evam	ADV
ajis02-1923	1	73	kutir	kutir	ADP
ajis02-1923	1	74	udyam	udyam	PROPN
ajis02-1923	1	75	vikas	vikas	PROPN
ajis02-1923	1	76	board	board	PROPN
ajis02-1923	1	77	jharkhand	jharkhand	PROPN
ajis02-1923	1	78	,	,	PUNCT
ajis02-1923	1	79	india	india	PROPN
ajis02-1923	1	80	abstract	abstract	PROPN
ajis02-1923	1	81	this	this	DET
ajis02-1923	1	82	study	study	NOUN
ajis02-1923	1	83	identifies	identify	VERB
ajis02-1923	1	84	the	the	DET
ajis02-1923	1	85	impact	impact	NOUN
ajis02-1923	1	86	of	of	ADP
ajis02-1923	1	87	internet	internet	NOUN
ajis02-1923	1	88	banking	banking	NOUN
ajis02-1923	1	89	service	service	NOUN
ajis02-1923	1	90	delivery	delivery	NOUN
ajis02-1923	1	91	system	system	NOUN
ajis02-1923	1	92	(	(	PUNCT
ajis02-1923	1	93	ibsds	ibsds	NOUN
ajis02-1923	1	94	)	)	PUNCT
ajis02-1923	1	95	process	process	NOUN
ajis02-1923	1	96	on	on	ADP
ajis02-1923	1	97	consumer	consumer	NOUN
ajis02-1923	1	98	behaviour	behaviour	NOUN
ajis02-1923	1	99	;	;	PUNCT
ajis02-1923	1	100	the	the	DET
ajis02-1923	1	101	mediating	mediate	VERB
ajis02-1923	1	102	effect	effect	NOUN
ajis02-1923	1	103	of	of	ADP
ajis02-1923	1	104	customer	customer	NOUN
ajis02-1923	1	105	satisfaction	satisfaction	NOUN
ajis02-1923	1	106	on	on	ADP
ajis02-1923	1	107	the	the	DET
ajis02-1923	1	108	relationship	relationship	NOUN
ajis02-1923	1	109	between	between	ADP
ajis02-1923	1	110	ibsds	ibsds	NOUN
ajis02-1923	1	111	process	process	NOUN
ajis02-1923	1	112	and	and	CCONJ
ajis02-1923	1	113	behavioural	behavioural	ADJ
ajis02-1923	1	114	intention	intention	NOUN
ajis02-1923	1	115	;	;	PUNCT
ajis02-1923	1	116	and	and	CCONJ
ajis02-1923	1	117	the	the	DET
ajis02-1923	1	118	moderating	moderate	VERB
ajis02-1923	1	119	effect	effect	NOUN
ajis02-1923	1	120	of	of	ADP
ajis02-1923	1	121	the	the	DET
ajis02-1923	1	122	customer	customer	NOUN
ajis02-1923	1	123	’s	’s	PART
ajis02-1923	1	124	perceived	perceive	VERB
ajis02-1923	1	125	value	value	NOUN
ajis02-1923	1	126	.	.	PUNCT
ajis02-1923	2	1	the	the	DET
ajis02-1923	2	2	study	study	NOUN
ajis02-1923	2	3	uses	use	VERB
ajis02-1923	2	4	a	a	DET
ajis02-1923	2	5	quantitative	quantitative	ADJ
ajis02-1923	2	6	method	method	NOUN
ajis02-1923	2	7	using	use	VERB
ajis02-1923	2	8	the	the	DET
ajis02-1923	2	9	data	datum	NOUN
ajis02-1923	2	10	collected	collect	VERB
ajis02-1923	2	11	from	from	ADP
ajis02-1923	2	12	416	416	NUM
ajis02-1923	2	13	respondents	respondent	NOUN
ajis02-1923	2	14	.	.	PUNCT
ajis02-1923	3	1	mediated	mediate	VERB
ajis02-1923	3	2	regression	regression	NOUN
ajis02-1923	3	3	is	be	AUX
ajis02-1923	3	4	used	use	VERB
ajis02-1923	3	5	to	to	PART
ajis02-1923	3	6	examine	examine	VERB
ajis02-1923	3	7	the	the	DET
ajis02-1923	3	8	mediating	mediate	VERB
ajis02-1923	3	9	effect	effect	NOUN
ajis02-1923	3	10	of	of	ADP
ajis02-1923	3	11	customer	customer	NOUN
ajis02-1923	3	12	satisfaction	satisfaction	NOUN
ajis02-1923	3	13	.	.	PUNCT
ajis02-1923	4	1	spss	spss	PROPN
ajis02-1923	4	2	process	process	NOUN
ajis02-1923	4	3	v2.16.3	v2.16.3	NOUN
ajis02-1923	4	4	is	be	AUX
ajis02-1923	4	5	employed	employ	VERB
ajis02-1923	4	6	to	to	PART
ajis02-1923	4	7	analyse	analyse	VERB
ajis02-1923	4	8	the	the	DET
ajis02-1923	4	9	moderating	moderate	VERB
ajis02-1923	4	10	effect	effect	NOUN
ajis02-1923	4	11	of	of	ADP
ajis02-1923	4	12	the	the	DET
ajis02-1923	4	13	perceived	perceive	VERB
ajis02-1923	4	14	value	value	NOUN
ajis02-1923	4	15	.	.	PUNCT
ajis02-1923	5	1	the	the	DET
ajis02-1923	5	2	results	result	NOUN
ajis02-1923	5	3	indicate	indicate	VERB
ajis02-1923	5	4	that	that	SCONJ
ajis02-1923	5	5	ibsds	ibsds	NOUN
ajis02-1923	5	6	process	process	NOUN
ajis02-1923	5	7	impacts	impact	VERB
ajis02-1923	5	8	customer	customer	NOUN
ajis02-1923	5	9	satisfaction	satisfaction	NOUN
ajis02-1923	5	10	and	and	CCONJ
ajis02-1923	5	11	behavioural	behavioural	ADJ
ajis02-1923	5	12	intention	intention	NOUN
ajis02-1923	5	13	.	.	PUNCT
ajis02-1923	6	1	further	far	ADV
ajis02-1923	6	2	,	,	PUNCT
ajis02-1923	6	3	customer	customer	NOUN
ajis02-1923	6	4	satisfaction	satisfaction	NOUN
ajis02-1923	6	5	plays	play	VERB
ajis02-1923	6	6	a	a	DET
ajis02-1923	6	7	partial	partial	ADJ
ajis02-1923	6	8	mediating	mediate	VERB
ajis02-1923	6	9	role	role	NOUN
ajis02-1923	6	10	between	between	ADP
ajis02-1923	6	11	the	the	DET
ajis02-1923	6	12	association	association	NOUN
ajis02-1923	6	13	of	of	ADP
ajis02-1923	6	14	ibsds	ibsds	PROPN
ajis02-1923	6	15	process	process	NOUN
ajis02-1923	6	16	and	and	CCONJ
ajis02-1923	6	17	behavioural	behavioural	ADJ
ajis02-1923	6	18	intention	intention	NOUN
ajis02-1923	6	19	.	.	PUNCT
ajis02-1923	7	1	this	this	DET
ajis02-1923	7	2	study	study	NOUN
ajis02-1923	7	3	provides	provide	VERB
ajis02-1923	7	4	evidence	evidence	NOUN
ajis02-1923	7	5	that	that	SCONJ
ajis02-1923	7	6	the	the	DET
ajis02-1923	7	7	technological	technological	ADJ
ajis02-1923	7	8	capabilities	capability	NOUN
ajis02-1923	7	9	embedded	embed	VERB
ajis02-1923	7	10	in	in	ADP
ajis02-1923	7	11	the	the	DET
ajis02-1923	7	12	bank	bank	NOUN
ajis02-1923	7	13	website	website	NOUN
ajis02-1923	7	14	processes	process	NOUN
ajis02-1923	7	15	are	be	AUX
ajis02-1923	7	16	an	an	DET
ajis02-1923	7	17	important	important	ADJ
ajis02-1923	7	18	factor	factor	NOUN
ajis02-1923	7	19	in	in	ADP
ajis02-1923	7	20	determining	determine	VERB
ajis02-1923	7	21	customer	customer	NOUN
ajis02-1923	7	22	satisfaction	satisfaction	NOUN
ajis02-1923	7	23	and	and	CCONJ
ajis02-1923	7	24	ultimately	ultimately	ADV
ajis02-1923	7	25	behavioural	behavioural	ADJ
ajis02-1923	7	26	intention	intention	NOUN
ajis02-1923	7	27	.	.	PUNCT
ajis02-1923	8	1	the	the	DET
ajis02-1923	8	2	study	study	NOUN
ajis02-1923	8	3	also	also	ADV
ajis02-1923	8	4	reveals	reveal	VERB
ajis02-1923	8	5	that	that	SCONJ
ajis02-1923	8	6	perceived	perceive	VERB
ajis02-1923	8	7	value	value	NOUN
ajis02-1923	8	8	moderates	moderate	VERB
ajis02-1923	8	9	the	the	DET
ajis02-1923	8	10	relationship	relationship	NOUN
ajis02-1923	8	11	between	between	ADP
ajis02-1923	8	12	ibsds	ibsds	NOUN
ajis02-1923	8	13	process	process	NOUN
ajis02-1923	8	14	and	and	CCONJ
ajis02-1923	8	15	customer	customer	NOUN
ajis02-1923	8	16	satisfaction	satisfaction	NOUN
ajis02-1923	8	17	,	,	PUNCT
ajis02-1923	8	18	and	and	CCONJ
ajis02-1923	8	19	between	between	ADP
ajis02-1923	8	20	customer	customer	NOUN
ajis02-1923	8	21	satisfaction	satisfaction	NOUN
ajis02-1923	8	22	,	,	PUNCT
ajis02-1923	8	23	and	and	CCONJ
ajis02-1923	8	24	,	,	PUNCT
ajis02-1923	8	25	behavioural	behavioural	ADJ
ajis02-1923	8	26	intention	intention	NOUN
ajis02-1923	8	27	.	.	PUNCT
ajis02-1923	9	1	it	it	PRON
ajis02-1923	9	2	also	also	ADV
ajis02-1923	9	3	adds	add	VERB
ajis02-1923	9	4	to	to	ADP
ajis02-1923	9	5	the	the	DET
ajis02-1923	9	6	existing	exist	VERB
ajis02-1923	9	7	knowledge	knowledge	NOUN
ajis02-1923	9	8	on	on	ADP
ajis02-1923	9	9	the	the	DET
ajis02-1923	9	10	adoption	adoption	NOUN
ajis02-1923	9	11	of	of	ADP
ajis02-1923	9	12	internet	internet	NOUN
ajis02-1923	9	13	banking	banking	NOUN
ajis02-1923	9	14	literature	literature	NOUN
ajis02-1923	9	15	.	.	PUNCT
ajis02-1923	10	1	academicians	academician	NOUN
ajis02-1923	10	2	and	and	CCONJ
ajis02-1923	10	3	information	information	NOUN
ajis02-1923	10	4	systems	system	NOUN
ajis02-1923	10	5	researchers	researcher	NOUN
ajis02-1923	10	6	may	may	AUX
ajis02-1923	10	7	use	use	VERB
ajis02-1923	10	8	these	these	DET
ajis02-1923	10	9	findings	finding	NOUN
ajis02-1923	10	10	for	for	ADP
ajis02-1923	10	11	further	further	ADJ
ajis02-1923	10	12	research	research	NOUN
ajis02-1923	10	13	.	.	PUNCT
ajis02-1923	11	1	financial	financial	ADJ
ajis02-1923	11	2	service	service	NOUN
ajis02-1923	11	3	providers	provider	NOUN
ajis02-1923	11	4	or	or	CCONJ
ajis02-1923	11	5	related	related	ADJ
ajis02-1923	11	6	agencies	agency	NOUN
ajis02-1923	11	7	may	may	AUX
ajis02-1923	11	8	consider	consider	VERB
ajis02-1923	11	9	the	the	DET
ajis02-1923	11	10	attributes	attribute	NOUN
ajis02-1923	11	11	of	of	ADP
ajis02-1923	11	12	the	the	DET
ajis02-1923	11	13	ibsds	ibsds	NOUN
ajis02-1923	11	14	process	process	NOUN
ajis02-1923	11	15	(	(	PUNCT
ajis02-1923	11	16	e.g.	e.g.	ADV
ajis02-1923	11	17	,	,	PUNCT
ajis02-1923	11	18	navigation	navigation	NOUN
ajis02-1923	11	19	,	,	PUNCT
ajis02-1923	11	20	searching	searching	NOUN
ajis02-1923	11	21	,	,	PUNCT
ajis02-1923	11	22	transacting	transacting	NOUN
ajis02-1923	11	23	,	,	PUNCT
ajis02-1923	11	24	etc	etc	X
ajis02-1923	11	25	.	.	X
ajis02-1923	11	26	)	)	PUNCT
ajis02-1923	12	1	while	while	SCONJ
ajis02-1923	12	2	designing	design	VERB
ajis02-1923	12	3	their	their	PRON
ajis02-1923	12	4	internet	internet	NOUN
ajis02-1923	12	5	banking	banking	NOUN
ajis02-1923	12	6	services	service	NOUN
ajis02-1923	12	7	to	to	PART
ajis02-1923	12	8	provide	provide	VERB
ajis02-1923	12	9	enhanced	enhanced	ADJ
ajis02-1923	12	10	customer	customer	NOUN
ajis02-1923	12	11	experiences	experience	NOUN
ajis02-1923	12	12	.	.	PUNCT
ajis02-1923	13	1	the	the	DET
ajis02-1923	13	2	paper	paper	NOUN
ajis02-1923	13	3	also	also	ADV
ajis02-1923	13	4	highlights	highlight	VERB
ajis02-1923	13	5	the	the	DET
ajis02-1923	13	6	research	research	NOUN
ajis02-1923	13	7	limitations	limitation	NOUN
ajis02-1923	13	8	and	and	CCONJ
ajis02-1923	13	9	scope	scope	NOUN
ajis02-1923	13	10	for	for	ADP
ajis02-1923	13	11	future	future	ADJ
ajis02-1923	13	12	research	research	NOUN
ajis02-1923	13	13	.	.	PUNCT
ajis02-1923	14	1	keywords	keyword	VERB
ajis02-1923	14	2	internet	internet	NOUN
ajis02-1923	14	3	banking	banking	NOUN
ajis02-1923	14	4	,	,	PUNCT
ajis02-1923	14	5	process	process	NOUN
ajis02-1923	14	6	,	,	PUNCT
ajis02-1923	14	7	satisfaction	satisfaction	NOUN
ajis02-1923	14	8	,	,	PUNCT
ajis02-1923	14	9	perceived	perceive	VERB
ajis02-1923	14	10	value	value	NOUN
ajis02-1923	14	11	,	,	PUNCT
ajis02-1923	14	12	behavioural	behavioural	ADJ
ajis02-1923	14	13	intention	intention	NOUN
ajis02-1923	14	14	,	,	PUNCT
ajis02-1923	14	15	mediation	mediation	NOUN
ajis02-1923	14	16	,	,	PUNCT
ajis02-1923	14	17	moderation	moderation	NOUN
ajis02-1923	14	18	,	,	PUNCT
ajis02-1923	14	19	india	india	PROPN
ajis02-1923	14	20	1	1	NUM
ajis02-1923	14	21	introduction	introduction	NOUN
ajis02-1923	14	22	advances	advance	VERB
ajis02-1923	14	23	in	in	ADP
ajis02-1923	14	24	information	information	NOUN
ajis02-1923	14	25	and	and	CCONJ
ajis02-1923	14	26	communication	communication	NOUN
ajis02-1923	14	27	technology	technology	NOUN
ajis02-1923	14	28	(	(	PUNCT
ajis02-1923	14	29	ict	ict	PROPN
ajis02-1923	14	30	)	)	PUNCT
ajis02-1923	14	31	have	have	AUX
ajis02-1923	14	32	radically	radically	ADV
ajis02-1923	14	33	changed	change	VERB
ajis02-1923	14	34	the	the	DET
ajis02-1923	14	35	service	service	NOUN
ajis02-1923	14	36	delivery	delivery	NOUN
ajis02-1923	14	37	channels	channel	NOUN
ajis02-1923	14	38	used	use	VERB
ajis02-1923	14	39	by	by	ADP
ajis02-1923	14	40	the	the	DET
ajis02-1923	14	41	financial	financial	ADJ
ajis02-1923	14	42	services	service	NOUN
ajis02-1923	14	43	industry	industry	NOUN
ajis02-1923	14	44	(	(	PUNCT
ajis02-1923	14	45	al	al	PROPN
ajis02-1923	14	46	-	-	PUNCT
ajis02-1923	14	47	somali	somali	ADJ
ajis02-1923	14	48	,	,	PUNCT
ajis02-1923	14	49	gholami	gholami	PROPN
ajis02-1923	14	50	,	,	PUNCT
ajis02-1923	14	51	&	&	CCONJ
ajis02-1923	14	52	clegg	clegg	PROPN
ajis02-1923	14	53	,	,	PUNCT
ajis02-1923	14	54	2009	2009	NUM
ajis02-1923	14	55	)	)	PUNCT
ajis02-1923	14	56	.	.	PUNCT
ajis02-1923	15	1	internet	internet	NOUN
ajis02-1923	15	2	banking	banking	NOUN
ajis02-1923	15	3	has	have	AUX
ajis02-1923	15	4	revolutionized	revolutionize	VERB
ajis02-1923	15	5	banking	banking	NOUN
ajis02-1923	15	6	services	service	NOUN
ajis02-1923	15	7	(	(	PUNCT
ajis02-1923	15	8	kesharwani	kesharwani	PROPN
ajis02-1923	15	9	&	&	CCONJ
ajis02-1923	15	10	bisht	bisht	PROPN
ajis02-1923	15	11	,	,	PUNCT
ajis02-1923	15	12	2012	2012	NUM
ajis02-1923	15	13	)	)	PUNCT
ajis02-1923	15	14	by	by	ADP
ajis02-1923	15	15	providing	provide	VERB
ajis02-1923	15	16	customers	customer	NOUN
ajis02-1923	15	17	round	round	ADP
ajis02-1923	15	18	-	-	PUNCT
ajis02-1923	15	19	the	the	DET
ajis02-1923	15	20	-	-	PUNCT
ajis02-1923	15	21	clock	clock	NOUN
ajis02-1923	15	22	availability	availability	NOUN
ajis02-1923	15	23	and	and	CCONJ
ajis02-1923	15	24	ease	ease	NOUN
ajis02-1923	15	25	of	of	ADP
ajis02-1923	15	26	transactions	transaction	NOUN
ajis02-1923	15	27	,	,	PUNCT
ajis02-1923	15	28	and	and	CCONJ
ajis02-1923	15	29	thus	thus	ADV
ajis02-1923	15	30	,	,	PUNCT
ajis02-1923	15	31	ensuring	ensure	VERB
ajis02-1923	15	32	that	that	SCONJ
ajis02-1923	15	33	they	they	PRON
ajis02-1923	15	34	are	be	AUX
ajis02-1923	15	35	no	no	ADV
ajis02-1923	15	36	longer	long	ADV
ajis02-1923	15	37	limited	limit	VERB
ajis02-1923	15	38	to	to	ADP
ajis02-1923	15	39	branch	branch	NOUN
ajis02-1923	15	40	operating	operating	NOUN
ajis02-1923	15	41	hours	hour	NOUN
ajis02-1923	15	42	for	for	ADP
ajis02-1923	15	43	services	service	NOUN
ajis02-1923	15	44	(	(	PUNCT
ajis02-1923	15	45	al	al	PROPN
ajis02-1923	15	46	-	-	PUNCT
ajis02-1923	15	47	somali	somali	PROPN
ajis02-1923	15	48	et	et	PROPN
ajis02-1923	15	49	australasian	australasian	ADJ
ajis02-1923	15	50	journal	journal	NOUN
ajis02-1923	15	51	of	of	ADP
ajis02-1923	15	52	information	information	NOUN
ajis02-1923	15	53	systems	system	NOUN
ajis02-1923	15	54	kumar	kumar	PROPN
ajis02-1923	15	55	,	,	PUNCT
ajis02-1923	15	56	sachan	sachan	PROPN
ajis02-1923	15	57	&	&	CCONJ
ajis02-1923	15	58	kumar	kumar	PROPN
ajis02-1923	15	59	2020	2020	PROPN
ajis02-1923	15	60	,	,	PUNCT
ajis02-1923	15	61	vol	vol	NOUN
ajis02-1923	15	62	24	24	NUM
ajis02-1923	15	63	,	,	PUNCT
ajis02-1923	15	64	research	research	NOUN
ajis02-1923	15	65	article	article	NOUN
ajis02-1923	15	66	service	service	NOUN
ajis02-1923	15	67	delivery	delivery	NOUN
ajis02-1923	15	68	and	and	CCONJ
ajis02-1923	15	69	perceived	perceive	VERB
ajis02-1923	15	70	value	value	NOUN
ajis02-1923	15	71	in	in	ADP
ajis02-1923	15	72	internet	internet	NOUN
ajis02-1923	15	73	banking	banking	NOUN
ajis02-1923	15	74	adoption	adoption	NOUN
ajis02-1923	15	75	2	2	NUM
ajis02-1923	15	76	al	al	PROPN
ajis02-1923	15	77	.	.	PROPN
ajis02-1923	15	78	,	,	PUNCT
ajis02-1923	15	79	2009	2009	NUM
ajis02-1923	15	80	)	)	PUNCT
ajis02-1923	15	81	.	.	PUNCT
ajis02-1923	16	1	internet	internet	NOUN
ajis02-1923	16	2	banking	banking	NOUN
ajis02-1923	16	3	,	,	PUNCT
ajis02-1923	16	4	also	also	ADV
ajis02-1923	16	5	known	know	VERB
ajis02-1923	16	6	as	as	ADP
ajis02-1923	16	7	online	online	ADJ
ajis02-1923	16	8	banking	banking	NOUN
ajis02-1923	16	9	or	or	CCONJ
ajis02-1923	16	10	electronic	electronic	ADJ
ajis02-1923	16	11	banking	banking	NOUN
ajis02-1923	16	12	(	(	PUNCT
ajis02-1923	16	13	e	e	NOUN
ajis02-1923	16	14	-	-	NOUN
ajis02-1923	16	15	banking	banking	NOUN
ajis02-1923	16	16	)	)	PUNCT
ajis02-1923	16	17	,	,	PUNCT
ajis02-1923	16	18	refers	refer	VERB
ajis02-1923	16	19	to	to	ADP
ajis02-1923	16	20	the	the	DET
ajis02-1923	16	21	use	use	NOUN
ajis02-1923	16	22	of	of	ADP
ajis02-1923	16	23	internet	internet	NOUN
ajis02-1923	16	24	as	as	ADP
ajis02-1923	16	25	a	a	DET
ajis02-1923	16	26	remote	remote	ADJ
ajis02-1923	16	27	delivery	delivery	NOUN
ajis02-1923	16	28	channel	channel	NOUN
ajis02-1923	16	29	for	for	ADP
ajis02-1923	16	30	providing	provide	VERB
ajis02-1923	16	31	customers	customer	NOUN
ajis02-1923	16	32	services	service	NOUN
ajis02-1923	16	33	,	,	PUNCT
ajis02-1923	16	34	such	such	ADJ
ajis02-1923	16	35	as	as	ADP
ajis02-1923	16	36	opening	open	VERB
ajis02-1923	16	37	a	a	DET
ajis02-1923	16	38	deposit	deposit	NOUN
ajis02-1923	16	39	account	account	NOUN
ajis02-1923	16	40	or	or	CCONJ
ajis02-1923	16	41	transferring	transfer	VERB
ajis02-1923	16	42	funds	fund	NOUN
ajis02-1923	16	43	from	from	ADP
ajis02-1923	16	44	one	one	NUM
ajis02-1923	16	45	account	account	NOUN
ajis02-1923	16	46	to	to	ADP
ajis02-1923	16	47	another	another	PRON
ajis02-1923	16	48	(	(	PUNCT
ajis02-1923	16	49	dhananjay	dhananjay	PROPN
ajis02-1923	16	50	&	&	CCONJ
ajis02-1923	16	51	chandra	chandra	PROPN
ajis02-1923	16	52	,	,	PUNCT
ajis02-1923	16	53	2015	2015	NUM
ajis02-1923	16	54	;	;	PUNCT
ajis02-1923	16	55	szopiński	szopiński	NOUN
ajis02-1923	16	56	,	,	PUNCT
ajis02-1923	16	57	2016	2016	NUM
ajis02-1923	16	58	)	)	PUNCT
ajis02-1923	16	59	.	.	PUNCT
ajis02-1923	17	1	the	the	DET
ajis02-1923	17	2	internet	internet	NOUN
ajis02-1923	17	3	banking	banking	NOUN
ajis02-1923	17	4	system	system	NOUN
ajis02-1923	17	5	typically	typically	ADV
ajis02-1923	17	6	connects	connect	VERB
ajis02-1923	17	7	to	to	ADP
ajis02-1923	17	8	its	its	PRON
ajis02-1923	17	9	customers	customer	NOUN
ajis02-1923	17	10	and	and	CCONJ
ajis02-1923	17	11	is	be	AUX
ajis02-1923	17	12	part	part	NOUN
ajis02-1923	17	13	of	of	ADP
ajis02-1923	17	14	the	the	DET
ajis02-1923	17	15	core	core	NOUN
ajis02-1923	17	16	banking	banking	NOUN
ajis02-1923	17	17	system	system	NOUN
ajis02-1923	17	18	.	.	PUNCT
ajis02-1923	18	1	information	information	NOUN
ajis02-1923	18	2	and	and	CCONJ
ajis02-1923	18	3	communication	communication	NOUN
ajis02-1923	18	4	technologies	technology	NOUN
ajis02-1923	18	5	(	(	PUNCT
ajis02-1923	18	6	icts	ict	NOUN
ajis02-1923	18	7	)	)	PUNCT
ajis02-1923	18	8	have	have	AUX
ajis02-1923	18	9	influenced	influence	VERB
ajis02-1923	18	10	the	the	DET
ajis02-1923	18	11	way	way	NOUN
ajis02-1923	18	12	customers	customer	NOUN
ajis02-1923	18	13	interact	interact	VERB
ajis02-1923	18	14	with	with	ADP
ajis02-1923	18	15	banks	bank	NOUN
ajis02-1923	18	16	.	.	PUNCT
ajis02-1923	19	1	unlike	unlike	ADP
ajis02-1923	19	2	traditional	traditional	ADJ
ajis02-1923	19	3	banking	banking	NOUN
ajis02-1923	19	4	services	service	NOUN
ajis02-1923	19	5	,	,	PUNCT
ajis02-1923	19	6	internet	internet	NOUN
ajis02-1923	19	7	banking	banking	NOUN
ajis02-1923	19	8	services	service	NOUN
ajis02-1923	19	9	do	do	AUX
ajis02-1923	19	10	not	not	PART
ajis02-1923	19	11	require	require	VERB
ajis02-1923	19	12	customer	customer	NOUN
ajis02-1923	19	13	visits	visit	NOUN
ajis02-1923	19	14	to	to	ADP
ajis02-1923	19	15	the	the	DET
ajis02-1923	19	16	branch	branch	NOUN
ajis02-1923	19	17	.	.	PUNCT
ajis02-1923	20	1	internet	internet	NOUN
ajis02-1923	20	2	banking	banking	NOUN
ajis02-1923	20	3	services	service	NOUN
ajis02-1923	20	4	also	also	ADV
ajis02-1923	20	5	have	have	VERB
ajis02-1923	20	6	a	a	DET
ajis02-1923	20	7	relative	relative	ADJ
ajis02-1923	20	8	advantage	advantage	NOUN
ajis02-1923	20	9	over	over	ADP
ajis02-1923	20	10	brick	brick	NOUN
ajis02-1923	20	11	-	-	PUNCT
ajis02-1923	20	12	and	and	CCONJ
ajis02-1923	20	13	-	-	PUNCT
ajis02-1923	20	14	mortar	mortar	NOUN
ajis02-1923	20	15	banks	bank	NOUN
ajis02-1923	20	16	in	in	ADP
ajis02-1923	20	17	terms	term	NOUN
ajis02-1923	20	18	of	of	ADP
ajis02-1923	20	19	“	"	PUNCT
ajis02-1923	20	20	timeliness	timeliness	NOUN
ajis02-1923	20	21	and	and	CCONJ
ajis02-1923	20	22	accuracy	accuracy	NOUN
ajis02-1923	20	23	of	of	ADP
ajis02-1923	20	24	information	information	NOUN
ajis02-1923	20	25	flow	flow	NOUN
ajis02-1923	20	26	”	"	PUNCT
ajis02-1923	20	27	that	that	PRON
ajis02-1923	20	28	minimize	minimize	VERB
ajis02-1923	20	29	information	information	NOUN
ajis02-1923	20	30	latency	latency	NOUN
ajis02-1923	20	31	in	in	ADP
ajis02-1923	20	32	an	an	DET
ajis02-1923	20	33	intense	intense	ADJ
ajis02-1923	20	34	decision	decision	NOUN
ajis02-1923	20	35	-	-	PUNCT
ajis02-1923	20	36	making	make	VERB
ajis02-1923	20	37	environment	environment	NOUN
ajis02-1923	20	38	(	(	PUNCT
ajis02-1923	20	39	kesharwani	kesharwani	PROPN
ajis02-1923	20	40	&	&	CCONJ
ajis02-1923	20	41	bisht	bisht	PROPN
ajis02-1923	20	42	,	,	PUNCT
ajis02-1923	20	43	2012	2012	NUM
ajis02-1923	20	44	)	)	PUNCT
ajis02-1923	20	45	.	.	PUNCT
ajis02-1923	21	1	banks	bank	NOUN
ajis02-1923	21	2	can	can	AUX
ajis02-1923	21	3	leverage	leverage	VERB
ajis02-1923	21	4	the	the	DET
ajis02-1923	21	5	internet	internet	NOUN
ajis02-1923	21	6	to	to	PART
ajis02-1923	21	7	attract	attract	VERB
ajis02-1923	21	8	new	new	ADJ
ajis02-1923	21	9	customers	customer	NOUN
ajis02-1923	21	10	,	,	PUNCT
ajis02-1923	21	11	retain	retain	VERB
ajis02-1923	21	12	their	their	PRON
ajis02-1923	21	13	existing	exist	VERB
ajis02-1923	21	14	ones	one	NOUN
ajis02-1923	21	15	and	and	CCONJ
ajis02-1923	21	16	provide	provide	VERB
ajis02-1923	21	17	enhanced	enhanced	ADJ
ajis02-1923	21	18	services	service	NOUN
ajis02-1923	21	19	,	,	PUNCT
ajis02-1923	21	20	leading	lead	VERB
ajis02-1923	21	21	to	to	ADP
ajis02-1923	21	22	higher	high	ADJ
ajis02-1923	21	23	customer	customer	NOUN
ajis02-1923	21	24	satisfaction	satisfaction	NOUN
ajis02-1923	21	25	(	(	PUNCT
ajis02-1923	21	26	cs	cs	PROPN
ajis02-1923	21	27	)	)	PUNCT
ajis02-1923	21	28	.	.	PUNCT
ajis02-1923	22	1	the	the	DET
ajis02-1923	22	2	banks	bank	NOUN
ajis02-1923	22	3	also	also	ADV
ajis02-1923	22	4	gain	gain	VERB
ajis02-1923	22	5	in	in	ADP
ajis02-1923	22	6	terms	term	NOUN
ajis02-1923	22	7	of	of	ADP
ajis02-1923	22	8	higher	high	ADJ
ajis02-1923	22	9	market	market	NOUN
ajis02-1923	22	10	share	share	NOUN
ajis02-1923	22	11	and	and	CCONJ
ajis02-1923	22	12	are	be	AUX
ajis02-1923	22	13	able	able	ADJ
ajis02-1923	22	14	to	to	PART
ajis02-1923	22	15	reduce	reduce	VERB
ajis02-1923	22	16	their	their	PRON
ajis02-1923	22	17	administrative	administrative	ADJ
ajis02-1923	22	18	and	and	CCONJ
ajis02-1923	22	19	operational	operational	ADJ
ajis02-1923	22	20	costs	cost	NOUN
ajis02-1923	22	21	.	.	PUNCT
ajis02-1923	23	1	more	more	ADV
ajis02-1923	23	2	importantly	importantly	ADV
ajis02-1923	23	3	,	,	PUNCT
ajis02-1923	23	4	they	they	PRON
ajis02-1923	23	5	can	can	AUX
ajis02-1923	23	6	improve	improve	VERB
ajis02-1923	23	7	their	their	PRON
ajis02-1923	23	8	competitive	competitive	ADJ
ajis02-1923	23	9	positions	position	NOUN
ajis02-1923	23	10	(	(	PUNCT
ajis02-1923	23	11	al	al	PROPN
ajis02-1923	23	12	-	-	PUNCT
ajis02-1923	23	13	somali	somali	PROPN
ajis02-1923	23	14	et	et	PROPN
ajis02-1923	23	15	al	al	PROPN
ajis02-1923	23	16	.	.	PROPN
ajis02-1923	23	17	,	,	PUNCT
ajis02-1923	23	18	2009	2009	NUM
ajis02-1923	23	19	;	;	PUNCT
ajis02-1923	23	20	khalfan	khalfan	PROPN
ajis02-1923	23	21	,	,	PUNCT
ajis02-1923	23	22	alrefaei	alrefaei	NOUN
ajis02-1923	23	23	,	,	PUNCT
ajis02-1923	23	24	&	&	CCONJ
ajis02-1923	23	25	alhajery	alhajery	NOUN
ajis02-1923	23	26	,	,	PUNCT
ajis02-1923	23	27	2006	2006	NUM
ajis02-1923	23	28	)	)	PUNCT
ajis02-1923	23	29	.	.	PUNCT
ajis02-1923	24	1	internet	internet	NOUN
ajis02-1923	24	2	banking	banking	NOUN
ajis02-1923	24	3	was	be	AUX
ajis02-1923	24	4	incepted	incepte	VERB
ajis02-1923	24	5	in	in	ADP
ajis02-1923	24	6	the	the	DET
ajis02-1923	24	7	80s	80	NOUN
ajis02-1923	24	8	(	(	PUNCT
ajis02-1923	24	9	dhananjay	dhananjay	PROPN
ajis02-1923	24	10	&	&	CCONJ
ajis02-1923	24	11	chandra	chandra	PROPN
ajis02-1923	24	12	,	,	PUNCT
ajis02-1923	24	13	2015	2015	NUM
ajis02-1923	24	14	)	)	PUNCT
ajis02-1923	24	15	,	,	PUNCT
ajis02-1923	24	16	however	however	ADV
ajis02-1923	24	17	,	,	PUNCT
ajis02-1923	24	18	it	it	PRON
ajis02-1923	24	19	marked	mark	VERB
ajis02-1923	24	20	its	its	PRON
ajis02-1923	24	21	presence	presence	NOUN
ajis02-1923	24	22	in	in	ADP
ajis02-1923	24	23	india	india	PROPN
ajis02-1923	24	24	in	in	ADP
ajis02-1923	24	25	the	the	DET
ajis02-1923	24	26	mid	mid	NOUN
ajis02-1923	24	27	-	-	NOUN
ajis02-1923	24	28	nineties	ninety	NOUN
ajis02-1923	24	29	(	(	PUNCT
ajis02-1923	24	30	kesharwani	kesharwani	PROPN
ajis02-1923	24	31	&	&	CCONJ
ajis02-1923	24	32	bisht	bisht	PROPN
ajis02-1923	24	33	,	,	PUNCT
ajis02-1923	24	34	2012	2012	NUM
ajis02-1923	24	35	)	)	PUNCT
ajis02-1923	24	36	.	.	PUNCT
ajis02-1923	25	1	currently	currently	ADV
ajis02-1923	25	2	,	,	PUNCT
ajis02-1923	25	3	most	most	ADV
ajis02-1923	25	4	brickand	brickand	ADJ
ajis02-1923	25	5	-	-	PUNCT
ajis02-1923	25	6	mortar	mortar	NOUN
ajis02-1923	25	7	banks	bank	NOUN
ajis02-1923	25	8	have	have	AUX
ajis02-1923	25	9	evolved	evolve	VERB
ajis02-1923	25	10	to	to	PART
ajis02-1923	25	11	incorporate	incorporate	VERB
ajis02-1923	25	12	internet	internet	NOUN
ajis02-1923	25	13	banking	banking	NOUN
ajis02-1923	25	14	capabilities	capability	NOUN
ajis02-1923	25	15	(	(	PUNCT
ajis02-1923	25	16	kesharwani	kesharwani	PROPN
ajis02-1923	25	17	&	&	CCONJ
ajis02-1923	25	18	bisht	bisht	PROPN
ajis02-1923	25	19	,	,	PUNCT
ajis02-1923	25	20	2012	2012	NUM
ajis02-1923	25	21	)	)	PUNCT
ajis02-1923	25	22	in	in	ADP
ajis02-1923	25	23	their	their	PRON
ajis02-1923	25	24	bouquet	bouquet	NOUN
ajis02-1923	25	25	of	of	ADP
ajis02-1923	25	26	services	service	NOUN
ajis02-1923	25	27	.	.	PUNCT
ajis02-1923	26	1	a	a	DET
ajis02-1923	26	2	report	report	NOUN
ajis02-1923	26	3	by	by	ADP
ajis02-1923	26	4	facebook	facebook	PROPN
ajis02-1923	26	5	and	and	CCONJ
ajis02-1923	26	6	the	the	DET
ajis02-1923	26	7	boston	boston	PROPN
ajis02-1923	26	8	consulting	consulting	PROPN
ajis02-1923	26	9	group	group	NOUN
ajis02-1923	26	10	(	(	PUNCT
ajis02-1923	26	11	encashing	encashe	VERB
ajis02-1923	26	12	on	on	ADP
ajis02-1923	26	13	digital	digital	ADJ
ajis02-1923	26	14	:	:	PUNCT
ajis02-1923	26	15	financial	financial	ADJ
ajis02-1923	26	16	service	service	NOUN
ajis02-1923	26	17	in	in	ADP
ajis02-1923	26	18	2020	2020	NUM
ajis02-1923	26	19	,	,	PUNCT
ajis02-1923	26	20	2017	2017	NUM
ajis02-1923	26	21	)	)	PUNCT
ajis02-1923	26	22	,	,	PUNCT
ajis02-1923	26	23	finds	find	VERB
ajis02-1923	26	24	that	that	SCONJ
ajis02-1923	26	25	the	the	DET
ajis02-1923	26	26	demonetization	demonetization	NOUN
ajis02-1923	26	27	by	by	ADP
ajis02-1923	26	28	the	the	DET
ajis02-1923	26	29	government	government	NOUN
ajis02-1923	26	30	of	of	ADP
ajis02-1923	26	31	india	india	PROPN
ajis02-1923	26	32	in	in	ADP
ajis02-1923	26	33	the	the	DET
ajis02-1923	26	34	year	year	NOUN
ajis02-1923	26	35	2016	2016	NUM
ajis02-1923	26	36	provided	provide	VERB
ajis02-1923	26	37	a	a	DET
ajis02-1923	26	38	major	major	ADJ
ajis02-1923	26	39	boost	boost	NOUN
ajis02-1923	26	40	to	to	ADP
ajis02-1923	26	41	online	online	ADJ
ajis02-1923	26	42	banking	banking	NOUN
ajis02-1923	26	43	services	service	NOUN
ajis02-1923	26	44	,	,	PUNCT
ajis02-1923	26	45	motivating	motivate	VERB
ajis02-1923	26	46	people	people	NOUN
ajis02-1923	26	47	to	to	PART
ajis02-1923	26	48	adopt	adopt	VERB
ajis02-1923	26	49	cashless	cashless	NOUN
ajis02-1923	26	50	channels	channel	NOUN
ajis02-1923	26	51	to	to	PART
ajis02-1923	26	52	conduct	conduct	VERB
ajis02-1923	26	53	their	their	PRON
ajis02-1923	26	54	transactions	transaction	NOUN
ajis02-1923	26	55	.	.	PUNCT
ajis02-1923	27	1	another	another	DET
ajis02-1923	27	2	report	report	NOUN
ajis02-1923	27	3	(	(	PUNCT
ajis02-1923	27	4	encashing	encashe	VERB
ajis02-1923	27	5	on	on	ADP
ajis02-1923	27	6	digital	digital	ADJ
ajis02-1923	27	7	:	:	PUNCT
ajis02-1923	27	8	financial	financial	ADJ
ajis02-1923	27	9	service	service	NOUN
ajis02-1923	27	10	in	in	ADP
ajis02-1923	27	11	2020	2020	NUM
ajis02-1923	27	12	,	,	PUNCT
ajis02-1923	27	13	2017	2017	NUM
ajis02-1923	27	14	)	)	PUNCT
ajis02-1923	27	15	,	,	PUNCT
ajis02-1923	27	16	estimated	estimate	VERB
ajis02-1923	27	17	that	that	SCONJ
ajis02-1923	27	18	the	the	DET
ajis02-1923	27	19	total	total	ADJ
ajis02-1923	27	20	urban	urban	ADJ
ajis02-1923	27	21	banking	banking	NOUN
ajis02-1923	27	22	users	user	NOUN
ajis02-1923	27	23	in	in	ADP
ajis02-1923	27	24	india	india	PROPN
ajis02-1923	27	25	were	be	AUX
ajis02-1923	27	26	expected	expect	VERB
ajis02-1923	27	27	to	to	PART
ajis02-1923	27	28	grow	grow	VERB
ajis02-1923	27	29	from	from	ADP
ajis02-1923	27	30	45	45	NUM
ajis02-1923	27	31	million	million	NUM
ajis02-1923	27	32	to	to	ADP
ajis02-1923	27	33	more	more	ADJ
ajis02-1923	27	34	than	than	ADP
ajis02-1923	27	35	150	150	NUM
ajis02-1923	27	36	million	million	NUM
ajis02-1923	27	37	by	by	ADP
ajis02-1923	27	38	2020	2020	NUM
ajis02-1923	27	39	.	.	PUNCT
ajis02-1923	28	1	despite	despite	SCONJ
ajis02-1923	28	2	the	the	DET
ajis02-1923	28	3	various	various	ADJ
ajis02-1923	28	4	benefits	benefit	NOUN
ajis02-1923	28	5	offered	offer	VERB
ajis02-1923	28	6	by	by	ADP
ajis02-1923	28	7	internet	internet	NOUN
ajis02-1923	28	8	banking	banking	NOUN
ajis02-1923	28	9	and	and	CCONJ
ajis02-1923	28	10	the	the	DET
ajis02-1923	28	11	policy	policy	NOUN
ajis02-1923	28	12	initiatives	initiative	NOUN
ajis02-1923	28	13	taken	take	VERB
ajis02-1923	28	14	by	by	ADP
ajis02-1923	28	15	the	the	DET
ajis02-1923	28	16	government	government	NOUN
ajis02-1923	28	17	and	and	CCONJ
ajis02-1923	28	18	financial	financial	ADJ
ajis02-1923	28	19	service	service	NOUN
ajis02-1923	28	20	providers	provider	NOUN
ajis02-1923	28	21	,	,	PUNCT
ajis02-1923	28	22	it	it	PRON
ajis02-1923	28	23	is	be	AUX
ajis02-1923	28	24	seen	see	VERB
ajis02-1923	28	25	that	that	SCONJ
ajis02-1923	28	26	financial	financial	ADJ
ajis02-1923	28	27	industry	industry	NOUN
ajis02-1923	28	28	in	in	ADP
ajis02-1923	28	29	india	india	PROPN
ajis02-1923	28	30	has	have	VERB
ajis02-1923	28	31	yet	yet	ADV
ajis02-1923	28	32	to	to	PART
ajis02-1923	28	33	harness	harness	VERB
ajis02-1923	28	34	the	the	DET
ajis02-1923	28	35	new	new	ADJ
ajis02-1923	28	36	channel	channel	NOUN
ajis02-1923	28	37	to	to	ADP
ajis02-1923	28	38	their	their	PRON
ajis02-1923	28	39	advantage	advantage	NOUN
ajis02-1923	28	40	(	(	PUNCT
ajis02-1923	28	41	encashing	encashe	VERB
ajis02-1923	28	42	on	on	ADP
ajis02-1923	28	43	digital	digital	ADJ
ajis02-1923	28	44	:	:	PUNCT
ajis02-1923	28	45	financial	financial	ADJ
ajis02-1923	28	46	service	service	NOUN
ajis02-1923	28	47	in	in	ADP
ajis02-1923	28	48	2020	2020	NUM
ajis02-1923	28	49	,	,	PUNCT
ajis02-1923	28	50	2017	2017	NUM
ajis02-1923	28	51	)	)	PUNCT
ajis02-1923	28	52	.	.	PUNCT
ajis02-1923	29	1	a	a	DET
ajis02-1923	29	2	report	report	NOUN
ajis02-1923	29	3	drafted	draft	VERB
ajis02-1923	29	4	by	by	ADP
ajis02-1923	29	5	facebook	facebook	PROPN
ajis02-1923	29	6	and	and	CCONJ
ajis02-1923	29	7	the	the	DET
ajis02-1923	29	8	boston	boston	PROPN
ajis02-1923	29	9	consulting	consulting	PROPN
ajis02-1923	29	10	group	group	NOUN
ajis02-1923	29	11	(	(	PUNCT
ajis02-1923	29	12	encashing	encashe	VERB
ajis02-1923	29	13	on	on	ADP
ajis02-1923	29	14	digital	digital	ADJ
ajis02-1923	29	15	:	:	PUNCT
ajis02-1923	29	16	financial	financial	ADJ
ajis02-1923	29	17	service	service	NOUN
ajis02-1923	29	18	in	in	ADP
ajis02-1923	29	19	2020	2020	NUM
ajis02-1923	29	20	,	,	PUNCT
ajis02-1923	29	21	2017	2017	NUM
ajis02-1923	29	22	)	)	PUNCT
ajis02-1923	29	23	asserts	assert	VERB
ajis02-1923	29	24	that	that	SCONJ
ajis02-1923	29	25	“	"	PUNCT
ajis02-1923	29	26	although	although	SCONJ
ajis02-1923	29	27	digital	digital	ADJ
ajis02-1923	29	28	influence	influence	NOUN
ajis02-1923	29	29	is	be	AUX
ajis02-1923	29	30	high	high	ADJ
ajis02-1923	29	31	during	during	ADP
ajis02-1923	29	32	research	research	NOUN
ajis02-1923	29	33	and	and	CCONJ
ajis02-1923	29	34	selection	selection	NOUN
ajis02-1923	29	35	,	,	PUNCT
ajis02-1923	29	36	adoption	adoption	NOUN
ajis02-1923	29	37	of	of	ADP
ajis02-1923	29	38	internet	internet	NOUN
ajis02-1923	29	39	banking	banking	NOUN
ajis02-1923	29	40	remains	remain	VERB
ajis02-1923	29	41	low	low	ADJ
ajis02-1923	29	42	.	.	PUNCT
ajis02-1923	29	43	”	"	PUNCT
ajis02-1923	30	1	according	accord	VERB
ajis02-1923	30	2	to	to	ADP
ajis02-1923	30	3	the	the	DET
ajis02-1923	30	4	report	report	NOUN
ajis02-1923	30	5	,	,	PUNCT
ajis02-1923	30	6	only	only	ADV
ajis02-1923	30	7	12	12	NUM
ajis02-1923	30	8	%	%	NOUN
ajis02-1923	30	9	of	of	ADP
ajis02-1923	30	10	banking	banking	NOUN
ajis02-1923	30	11	users	user	NOUN
ajis02-1923	30	12	actively	actively	ADV
ajis02-1923	30	13	use	use	VERB
ajis02-1923	30	14	internet	internet	NOUN
ajis02-1923	30	15	banking	banking	NOUN
ajis02-1923	30	16	facilities	facility	NOUN
ajis02-1923	30	17	.	.	PUNCT
ajis02-1923	31	1	more	more	ADJ
ajis02-1923	31	2	than	than	ADP
ajis02-1923	31	3	half	half	NOUN
ajis02-1923	31	4	of	of	ADP
ajis02-1923	31	5	the	the	DET
ajis02-1923	31	6	consumers	consumer	NOUN
ajis02-1923	31	7	are	be	AUX
ajis02-1923	31	8	largely	largely	ADV
ajis02-1923	31	9	dissatisfied	dissatisfied	ADJ
ajis02-1923	31	10	with	with	ADP
ajis02-1923	31	11	their	their	PRON
ajis02-1923	31	12	internet	internet	NOUN
ajis02-1923	31	13	banking	banking	NOUN
ajis02-1923	31	14	and	and	CCONJ
ajis02-1923	31	15	mobile	mobile	ADJ
ajis02-1923	31	16	apps	app	NOUN
ajis02-1923	31	17	experience	experience	NOUN
ajis02-1923	31	18	(	(	PUNCT
ajis02-1923	31	19	encashing	encashe	VERB
ajis02-1923	31	20	on	on	ADP
ajis02-1923	31	21	digital	digital	ADJ
ajis02-1923	31	22	:	:	PUNCT
ajis02-1923	31	23	financial	financial	ADJ
ajis02-1923	31	24	service	service	NOUN
ajis02-1923	31	25	in	in	ADP
ajis02-1923	31	26	2020	2020	NUM
ajis02-1923	31	27	,	,	PUNCT
ajis02-1923	31	28	2017	2017	NUM
ajis02-1923	31	29	)	)	PUNCT
ajis02-1923	31	30	.	.	PUNCT
ajis02-1923	32	1	people	people	NOUN
ajis02-1923	32	2	are	be	AUX
ajis02-1923	32	3	hesitant/	hesitant/	NUM
ajis02-1923	32	4	reluctant	reluctant	ADJ
ajis02-1923	32	5	to	to	PART
ajis02-1923	32	6	conduct	conduct	VERB
ajis02-1923	32	7	banking	banking	NOUN
ajis02-1923	32	8	/	/	SYM
ajis02-1923	32	9	financial	financial	ADJ
ajis02-1923	32	10	transactions	transaction	NOUN
ajis02-1923	32	11	through	through	ADP
ajis02-1923	32	12	their	their	PRON
ajis02-1923	32	13	banks	bank	NOUN
ajis02-1923	32	14	’	’	PART
ajis02-1923	32	15	websites	website	NOUN
ajis02-1923	32	16	(	(	PUNCT
ajis02-1923	32	17	kesharwani	kesharwani	PROPN
ajis02-1923	32	18	&	&	CCONJ
ajis02-1923	32	19	bisht	bisht	PROPN
ajis02-1923	32	20	,	,	PUNCT
ajis02-1923	32	21	2012	2012	NUM
ajis02-1923	32	22	)	)	PUNCT
ajis02-1923	32	23	.	.	PUNCT
ajis02-1923	33	1	therefore	therefore	ADV
ajis02-1923	33	2	,	,	PUNCT
ajis02-1923	33	3	it	it	PRON
ajis02-1923	33	4	is	be	AUX
ajis02-1923	33	5	important	important	ADJ
ajis02-1923	33	6	to	to	PART
ajis02-1923	33	7	understand	understand	VERB
ajis02-1923	33	8	the	the	DET
ajis02-1923	33	9	factors	factor	NOUN
ajis02-1923	33	10	that	that	PRON
ajis02-1923	33	11	affect	affect	VERB
ajis02-1923	33	12	consumer	consumer	NOUN
ajis02-1923	33	13	behaviour	behaviour	NOUN
ajis02-1923	33	14	while	while	SCONJ
ajis02-1923	33	15	adopting	adopt	VERB
ajis02-1923	33	16	internet	internet	NOUN
ajis02-1923	33	17	banking	banking	NOUN
ajis02-1923	33	18	.	.	PUNCT
ajis02-1923	34	1	it	it	PRON
ajis02-1923	34	2	becomes	become	VERB
ajis02-1923	34	3	necessary	necessary	ADJ
ajis02-1923	34	4	to	to	PART
ajis02-1923	34	5	study	study	VERB
ajis02-1923	34	6	the	the	DET
ajis02-1923	34	7	acceptance	acceptance	NOUN
ajis02-1923	34	8	or	or	CCONJ
ajis02-1923	34	9	intention	intention	NOUN
ajis02-1923	34	10	to	to	PART
ajis02-1923	34	11	use	use	VERB
ajis02-1923	34	12	internet	internet	NOUN
ajis02-1923	34	13	banking	banking	NOUN
ajis02-1923	34	14	through	through	ADP
ajis02-1923	34	15	a	a	DET
ajis02-1923	34	16	user	user	NOUN
ajis02-1923	34	17	interface	interface	NOUN
ajis02-1923	34	18	and	and	CCONJ
ajis02-1923	34	19	glean	glean	VERB
ajis02-1923	34	20	insights	insight	NOUN
ajis02-1923	34	21	that	that	PRON
ajis02-1923	34	22	would	would	AUX
ajis02-1923	34	23	help	help	VERB
ajis02-1923	34	24	banks	bank	NOUN
ajis02-1923	34	25	to	to	PART
ajis02-1923	34	26	review	review	VERB
ajis02-1923	34	27	and	and	CCONJ
ajis02-1923	34	28	fine	fine	ADJ
ajis02-1923	34	29	-	-	PUNCT
ajis02-1923	34	30	tune	tune	NOUN
ajis02-1923	34	31	their	their	PRON
ajis02-1923	34	32	internet	internet	NOUN
ajis02-1923	34	33	banking	banking	NOUN
ajis02-1923	34	34	initiatives	initiative	NOUN
ajis02-1923	34	35	and	and	CCONJ
ajis02-1923	34	36	achieve	achieve	VERB
ajis02-1923	34	37	higher	high	ADJ
ajis02-1923	34	38	customer	customer	NOUN
ajis02-1923	34	39	acceptability	acceptability	NOUN
ajis02-1923	34	40	.	.	PUNCT
ajis02-1923	35	1	the	the	DET
ajis02-1923	35	2	web	web	NOUN
ajis02-1923	35	3	interface	interface	NOUN
ajis02-1923	35	4	has	have	VERB
ajis02-1923	35	5	several	several	ADJ
ajis02-1923	35	6	characteristics	characteristic	NOUN
ajis02-1923	35	7	that	that	PRON
ajis02-1923	35	8	are	be	AUX
ajis02-1923	35	9	uncommon	uncommon	ADJ
ajis02-1923	35	10	to	to	ADP
ajis02-1923	35	11	brick	brick	NOUN
ajis02-1923	35	12	-	-	PUNCT
ajis02-1923	35	13	and	and	CCONJ
ajis02-1923	35	14	-	-	PUNCT
ajis02-1923	35	15	mortar	mortar	NOUN
ajis02-1923	35	16	banks	bank	NOUN
ajis02-1923	35	17	.	.	PUNCT
ajis02-1923	36	1	service	service	NOUN
ajis02-1923	36	2	providers	provider	NOUN
ajis02-1923	36	3	can	can	AUX
ajis02-1923	36	4	differentiate	differentiate	VERB
ajis02-1923	36	5	themselves	themselves	PRON
ajis02-1923	36	6	and	and	CCONJ
ajis02-1923	36	7	create	create	VERB
ajis02-1923	36	8	value	value	NOUN
ajis02-1923	36	9	for	for	SCONJ
ajis02-1923	36	10	customers	customer	NOUN
ajis02-1923	36	11	to	to	PART
ajis02-1923	36	12	enact	enact	VERB
ajis02-1923	36	13	superior	superior	ADJ
ajis02-1923	36	14	service	service	NOUN
ajis02-1923	36	15	experiences	experience	NOUN
ajis02-1923	36	16	during	during	ADP
ajis02-1923	36	17	the	the	DET
ajis02-1923	36	18	service	service	NOUN
ajis02-1923	36	19	delivery	delivery	NOUN
ajis02-1923	36	20	process	process	NOUN
ajis02-1923	36	21	(	(	PUNCT
ajis02-1923	36	22	zeithaml	zeithaml	PROPN
ajis02-1923	36	23	,	,	PUNCT
ajis02-1923	36	24	berry	berry	NOUN
ajis02-1923	36	25	,	,	PUNCT
ajis02-1923	36	26	&	&	CCONJ
ajis02-1923	36	27	parasuraman	parasuraman	NOUN
ajis02-1923	36	28	,	,	PUNCT
ajis02-1923	36	29	1991	1991	NUM
ajis02-1923	36	30	)	)	PUNCT
ajis02-1923	36	31	.	.	PUNCT
ajis02-1923	37	1	in	in	ADP
ajis02-1923	37	2	general	general	ADJ
ajis02-1923	37	3	,	,	PUNCT
ajis02-1923	37	4	the	the	DET
ajis02-1923	37	5	objective	objective	NOUN
ajis02-1923	37	6	of	of	ADP
ajis02-1923	37	7	a	a	DET
ajis02-1923	37	8	process	process	NOUN
ajis02-1923	37	9	strategy	strategy	NOUN
ajis02-1923	37	10	is	be	AUX
ajis02-1923	37	11	to	to	PART
ajis02-1923	37	12	create	create	VERB
ajis02-1923	37	13	a	a	DET
ajis02-1923	37	14	process	process	NOUN
ajis02-1923	37	15	that	that	PRON
ajis02-1923	37	16	can	can	AUX
ajis02-1923	37	17	produce	produce	VERB
ajis02-1923	37	18	an	an	DET
ajis02-1923	37	19	offering	offering	NOUN
ajis02-1923	37	20	that	that	PRON
ajis02-1923	37	21	meets	meet	VERB
ajis02-1923	37	22	customer	customer	NOUN
ajis02-1923	37	23	requirements	requirement	NOUN
ajis02-1923	37	24	within	within	ADP
ajis02-1923	37	25	cost	cost	NOUN
ajis02-1923	37	26	and	and	CCONJ
ajis02-1923	37	27	managerial	managerial	ADJ
ajis02-1923	37	28	constraints	constraint	NOUN
ajis02-1923	37	29	(	(	PUNCT
ajis02-1923	37	30	jay	jay	PROPN
ajis02-1923	37	31	,	,	PUNCT
ajis02-1923	37	32	barry	barry	PROPN
ajis02-1923	37	33	,	,	PUNCT
ajis02-1923	37	34	chuck	chuck	NOUN
ajis02-1923	37	35	,	,	PUNCT
ajis02-1923	37	36	&	&	CCONJ
ajis02-1923	37	37	amit	amit	PROPN
ajis02-1923	37	38	,	,	PUNCT
ajis02-1923	37	39	2017	2017	NUM
ajis02-1923	37	40	)	)	PUNCT
ajis02-1923	37	41	.	.	PUNCT
ajis02-1923	38	1	interaction	interaction	NOUN
ajis02-1923	38	2	with	with	ADP
ajis02-1923	38	3	the	the	DET
ajis02-1923	38	4	customer	customer	NOUN
ajis02-1923	38	5	often	often	ADV
ajis02-1923	38	6	affects	affect	VERB
ajis02-1923	38	7	process	process	NOUN
ajis02-1923	38	8	performance	performance	NOUN
ajis02-1923	38	9	adversely	adversely	ADV
ajis02-1923	38	10	.	.	PUNCT
ajis02-1923	39	1	but	but	CCONJ
ajis02-1923	39	2	a	a	DET
ajis02-1923	39	3	service	service	NOUN
ajis02-1923	39	4	by	by	ADP
ajis02-1923	39	5	its	its	PRON
ajis02-1923	39	6	very	very	ADJ
ajis02-1923	39	7	nature	nature	NOUN
ajis02-1923	39	8	implies	imply	VERB
ajis02-1923	39	9	that	that	SCONJ
ajis02-1923	39	10	some	some	DET
ajis02-1923	39	11	interaction	interaction	NOUN
ajis02-1923	39	12	and	and	CCONJ
ajis02-1923	39	13	customization	customization	NOUN
ajis02-1923	39	14	is	be	AUX
ajis02-1923	39	15	australasian	australasian	ADJ
ajis02-1923	39	16	journal	journal	NOUN
ajis02-1923	39	17	of	of	ADP
ajis02-1923	39	18	information	information	NOUN
ajis02-1923	39	19	systems	system	NOUN
ajis02-1923	39	20	kumar	kumar	PROPN
ajis02-1923	39	21	,	,	PUNCT
ajis02-1923	39	22	sachan	sachan	PROPN
ajis02-1923	39	23	&	&	CCONJ
ajis02-1923	39	24	kumar	kumar	PROPN
ajis02-1923	39	25	2020	2020	PROPN
ajis02-1923	39	26	,	,	PUNCT
ajis02-1923	39	27	vol	vol	NOUN
ajis02-1923	39	28	24	24	NUM
ajis02-1923	39	29	,	,	PUNCT
ajis02-1923	39	30	research	research	NOUN
ajis02-1923	39	31	article	article	NOUN
ajis02-1923	39	32	service	service	NOUN
ajis02-1923	39	33	delivery	delivery	NOUN
ajis02-1923	39	34	and	and	CCONJ
ajis02-1923	39	35	perceived	perceive	VERB
ajis02-1923	39	36	value	value	NOUN
ajis02-1923	39	37	in	in	ADP
ajis02-1923	39	38	internet	internet	NOUN
ajis02-1923	39	39	banking	banking	NOUN
ajis02-1923	39	40	adoption	adoption	NOUN
ajis02-1923	39	41	3	3	NUM
ajis02-1923	39	42	needed	need	VERB
ajis02-1923	39	43	(	(	PUNCT
ajis02-1923	39	44	jay	jay	NOUN
ajis02-1923	39	45	et	et	PROPN
ajis02-1923	39	46	al	al	PROPN
ajis02-1923	39	47	.	.	PROPN
ajis02-1923	39	48	,	,	PUNCT
ajis02-1923	39	49	2017	2017	NUM
ajis02-1923	39	50	)	)	PUNCT
ajis02-1923	39	51	.	.	PUNCT
ajis02-1923	40	1	given	give	VERB
ajis02-1923	40	2	that	that	SCONJ
ajis02-1923	40	3	the	the	DET
ajis02-1923	40	4	customer	customer	NOUN
ajis02-1923	40	5	’s	’s	PART
ajis02-1923	40	6	unique	unique	ADJ
ajis02-1923	40	7	desires	desire	NOUN
ajis02-1923	40	8	tend	tend	VERB
ajis02-1923	40	9	to	to	PART
ajis02-1923	40	10	play	play	VERB
ajis02-1923	40	11	havoc	havoc	NOUN
ajis02-1923	40	12	with	with	ADP
ajis02-1923	40	13	a	a	DET
ajis02-1923	40	14	process	process	NOUN
ajis02-1923	40	15	,	,	PUNCT
ajis02-1923	40	16	the	the	PRON
ajis02-1923	40	17	more	more	ADV
ajis02-1923	40	18	the	the	DET
ajis02-1923	40	19	manager	manager	NOUN
ajis02-1923	40	20	designs	design	VERB
ajis02-1923	40	21	the	the	DET
ajis02-1923	40	22	process	process	NOUN
ajis02-1923	40	23	to	to	PART
ajis02-1923	40	24	accommodate	accommodate	VERB
ajis02-1923	40	25	these	these	DET
ajis02-1923	40	26	special	special	ADJ
ajis02-1923	40	27	requirements	requirement	NOUN
ajis02-1923	40	28	,	,	PUNCT
ajis02-1923	40	29	the	the	DET
ajis02-1923	40	30	more	more	ADV
ajis02-1923	40	31	effective	effective	ADJ
ajis02-1923	40	32	and	and	CCONJ
ajis02-1923	40	33	efficient	efficient	ADJ
ajis02-1923	40	34	it	it	PRON
ajis02-1923	40	35	will	will	AUX
ajis02-1923	40	36	be	be	AUX
ajis02-1923	40	37	(	(	PUNCT
ajis02-1923	40	38	jay	jay	NOUN
ajis02-1923	40	39	et	et	PROPN
ajis02-1923	40	40	al	al	PROPN
ajis02-1923	40	41	.	.	PROPN
ajis02-1923	40	42	,	,	PUNCT
ajis02-1923	40	43	2017	2017	NUM
ajis02-1923	40	44	)	)	PUNCT
ajis02-1923	40	45	.	.	PUNCT
ajis02-1923	41	1	technology	technology	NOUN
ajis02-1923	41	2	adoption	adoption	NOUN
ajis02-1923	41	3	model	model	NOUN
ajis02-1923	41	4	(	(	PUNCT
ajis02-1923	41	5	tam	tam	PROPN
ajis02-1923	41	6	)	)	PUNCT
ajis02-1923	41	7	by	by	ADP
ajis02-1923	41	8	davis	davis	PROPN
ajis02-1923	41	9	(	(	PUNCT
ajis02-1923	41	10	1989	1989	NUM
ajis02-1923	41	11	)	)	PUNCT
ajis02-1923	41	12	posits	posit	NOUN
ajis02-1923	41	13	that	that	SCONJ
ajis02-1923	41	14	the	the	DET
ajis02-1923	41	15	effect	effect	NOUN
ajis02-1923	41	16	of	of	ADP
ajis02-1923	41	17	external	external	ADJ
ajis02-1923	41	18	influences	influence	NOUN
ajis02-1923	41	19	,	,	PUNCT
ajis02-1923	41	20	such	such	ADJ
ajis02-1923	41	21	as	as	ADP
ajis02-1923	41	22	system	system	NOUN
ajis02-1923	41	23	design	design	NOUN
ajis02-1923	41	24	characteristics	characteristic	NOUN
ajis02-1923	41	25	and	and	CCONJ
ajis02-1923	41	26	individual	individual	ADJ
ajis02-1923	41	27	differences	difference	NOUN
ajis02-1923	41	28	on	on	ADP
ajis02-1923	41	29	the	the	DET
ajis02-1923	41	30	user	user	NOUN
ajis02-1923	41	31	intention	intention	NOUN
ajis02-1923	41	32	is	be	AUX
ajis02-1923	41	33	mediated	mediate	VERB
ajis02-1923	41	34	by	by	ADP
ajis02-1923	41	35	their	their	PRON
ajis02-1923	41	36	perception	perception	NOUN
ajis02-1923	41	37	of	of	ADP
ajis02-1923	41	38	the	the	DET
ajis02-1923	41	39	ease	ease	NOUN
ajis02-1923	41	40	-	-	PUNCT
ajis02-1923	41	41	of	of	ADP
ajis02-1923	41	42	-	-	PUNCT
ajis02-1923	41	43	use	use	NOUN
ajis02-1923	41	44	and	and	CCONJ
ajis02-1923	41	45	usefulness	usefulness	NOUN
ajis02-1923	41	46	of	of	ADP
ajis02-1923	41	47	the	the	DET
ajis02-1923	41	48	new	new	ADJ
ajis02-1923	41	49	system	system	NOUN
ajis02-1923	41	50	(	(	PUNCT
ajis02-1923	41	51	kesharwani	kesharwani	PROPN
ajis02-1923	41	52	&	&	CCONJ
ajis02-1923	41	53	bisht	bisht	PROPN
ajis02-1923	41	54	,	,	PUNCT
ajis02-1923	41	55	2012	2012	NUM
ajis02-1923	41	56	)	)	PUNCT
ajis02-1923	41	57	.	.	PUNCT
ajis02-1923	42	1	although	although	SCONJ
ajis02-1923	42	2	academic	academic	ADJ
ajis02-1923	42	3	research	research	NOUN
ajis02-1923	42	4	(	(	PUNCT
ajis02-1923	42	5	e.g.	e.g.	ADV
ajis02-1923	42	6	,	,	PUNCT
ajis02-1923	42	7	khalfan	khalfan	PROPN
ajis02-1923	42	8	,	,	PUNCT
ajis02-1923	42	9	alrefaei	alrefaei	NOUN
ajis02-1923	42	10	and	and	CCONJ
ajis02-1923	42	11	al	al	PROPN
ajis02-1923	42	12	-	-	PUNCT
ajis02-1923	42	13	hajery	hajery	NOUN
ajis02-1923	42	14	,	,	PUNCT
ajis02-1923	42	15	2006	2006	NUM
ajis02-1923	42	16	;	;	PUNCT
ajis02-1923	42	17	al	al	PROPN
ajis02-1923	42	18	-	-	PUNCT
ajis02-1923	42	19	somali	somali	ADJ
ajis02-1923	42	20	,	,	PUNCT
ajis02-1923	42	21	gholami	gholami	PROPN
ajis02-1923	42	22	and	and	CCONJ
ajis02-1923	42	23	clegg	clegg	PROPN
ajis02-1923	42	24	,	,	PUNCT
ajis02-1923	42	25	2009	2009	NUM
ajis02-1923	42	26	;	;	PUNCT
ajis02-1923	42	27	kaura	kaura	NOUN
ajis02-1923	42	28	,	,	PUNCT
ajis02-1923	42	29	2013	2013	NUM
ajis02-1923	42	30	;	;	PUNCT
ajis02-1923	42	31	bashir	bashir	NOUN
ajis02-1923	42	32	and	and	CCONJ
ajis02-1923	42	33	madhavaiah	madhavaiah	PROPN
ajis02-1923	42	34	,	,	PUNCT
ajis02-1923	42	35	2015	2015	NUM
ajis02-1923	42	36	;	;	PUNCT
ajis02-1923	42	37	singh	singh	PROPN
ajis02-1923	42	38	and	and	CCONJ
ajis02-1923	42	39	malhotra	malhotra	PROPN
ajis02-1923	42	40	,	,	PUNCT
ajis02-1923	42	41	2015	2015	NUM
ajis02-1923	42	42	;	;	PUNCT
ajis02-1923	42	43	szopiński	szopiński	NOUN
ajis02-1923	42	44	,	,	PUNCT
ajis02-1923	42	45	2016	2016	NUM
ajis02-1923	42	46	)	)	PUNCT
ajis02-1923	42	47	has	have	AUX
ajis02-1923	42	48	examined	examine	VERB
ajis02-1923	42	49	the	the	DET
ajis02-1923	42	50	dynamics	dynamic	NOUN
ajis02-1923	42	51	of	of	ADP
ajis02-1923	42	52	user	user	NOUN
ajis02-1923	42	53	intention	intention	NOUN
ajis02-1923	42	54	to	to	PART
ajis02-1923	42	55	adopt	adopt	VERB
ajis02-1923	42	56	internet	internet	NOUN
ajis02-1923	42	57	banking	banking	NOUN
ajis02-1923	42	58	services	service	NOUN
ajis02-1923	42	59	,	,	PUNCT
ajis02-1923	42	60	the	the	DET
ajis02-1923	42	61	subject	subject	NOUN
ajis02-1923	42	62	of	of	ADP
ajis02-1923	42	63	user	user	NOUN
ajis02-1923	42	64	service	service	NOUN
ajis02-1923	42	65	encounters	encounter	NOUN
ajis02-1923	42	66	while	while	SCONJ
ajis02-1923	42	67	using	use	VERB
ajis02-1923	42	68	technological	technological	ADJ
ajis02-1923	42	69	interfaces	interface	NOUN
ajis02-1923	42	70	,	,	PUNCT
ajis02-1923	42	71	such	such	ADJ
ajis02-1923	42	72	as	as	ADP
ajis02-1923	42	73	searching	search	VERB
ajis02-1923	42	74	for	for	ADP
ajis02-1923	42	75	information	information	NOUN
ajis02-1923	42	76	or	or	CCONJ
ajis02-1923	42	77	conducting	conduct	VERB
ajis02-1923	42	78	transactions	transaction	NOUN
ajis02-1923	42	79	through	through	ADP
ajis02-1923	42	80	banking	banking	NOUN
ajis02-1923	42	81	websites	website	NOUN
ajis02-1923	42	82	has	have	AUX
ajis02-1923	42	83	not	not	PART
ajis02-1923	42	84	received	receive	VERB
ajis02-1923	42	85	adequate	adequate	ADJ
ajis02-1923	42	86	attention	attention	NOUN
ajis02-1923	42	87	.	.	PUNCT
ajis02-1923	43	1	while	while	SCONJ
ajis02-1923	43	2	some	some	DET
ajis02-1923	43	3	research	research	NOUN
ajis02-1923	43	4	has	have	AUX
ajis02-1923	43	5	been	be	AUX
ajis02-1923	43	6	conducted	conduct	VERB
ajis02-1923	43	7	on	on	ADP
ajis02-1923	43	8	website	website	NOUN
ajis02-1923	43	9	design	design	NOUN
ajis02-1923	43	10	to	to	PART
ajis02-1923	43	11	improve	improve	VERB
ajis02-1923	43	12	user	user	NOUN
ajis02-1923	43	13	satisfaction	satisfaction	NOUN
ajis02-1923	43	14	,	,	PUNCT
ajis02-1923	43	15	most	most	ADJ
ajis02-1923	43	16	studies	study	NOUN
ajis02-1923	43	17	,	,	PUNCT
ajis02-1923	43	18	however	however	ADV
ajis02-1923	43	19	,	,	PUNCT
ajis02-1923	43	20	remain	remain	VERB
ajis02-1923	43	21	focused	focused	ADJ
ajis02-1923	43	22	on	on	ADP
ajis02-1923	43	23	factors	factor	NOUN
ajis02-1923	43	24	such	such	ADJ
ajis02-1923	43	25	as	as	ADP
ajis02-1923	43	26	information	information	NOUN
ajis02-1923	43	27	content	content	NOUN
ajis02-1923	43	28	,	,	PUNCT
ajis02-1923	43	29	download	download	NOUN
ajis02-1923	43	30	speed	speed	NOUN
ajis02-1923	43	31	,	,	PUNCT
ajis02-1923	43	32	and	and	CCONJ
ajis02-1923	43	33	information	information	NOUN
ajis02-1923	43	34	presentation	presentation	NOUN
ajis02-1923	43	35	(	(	PUNCT
ajis02-1923	43	36	alawneh	alawneh	INTJ
ajis02-1923	43	37	,	,	PUNCT
ajis02-1923	43	38	al	al	PROPN
ajis02-1923	43	39	-	-	PUNCT
ajis02-1923	43	40	refai	refai	PROPN
ajis02-1923	43	41	,	,	PUNCT
ajis02-1923	43	42	&	&	CCONJ
ajis02-1923	43	43	batiha	batiha	VERB
ajis02-1923	43	44	,	,	PUNCT
ajis02-1923	43	45	2013	2013	NUM
ajis02-1923	43	46	;	;	PUNCT
ajis02-1923	43	47	papadomichelaki	papadomichelaki	PROPN
ajis02-1923	43	48	&	&	CCONJ
ajis02-1923	43	49	mentzas	mentza	NOUN
ajis02-1923	43	50	,	,	PUNCT
ajis02-1923	43	51	2012	2012	NUM
ajis02-1923	43	52	)	)	PUNCT
ajis02-1923	43	53	.	.	PUNCT
ajis02-1923	44	1	surveys	survey	NOUN
ajis02-1923	44	2	of	of	ADP
ajis02-1923	44	3	online	online	ADJ
ajis02-1923	44	4	users	user	NOUN
ajis02-1923	44	5	consistently	consistently	ADV
ajis02-1923	44	6	indicate	indicate	VERB
ajis02-1923	44	7	that	that	SCONJ
ajis02-1923	44	8	a	a	DET
ajis02-1923	44	9	big	big	ADJ
ajis02-1923	44	10	percentage	percentage	NOUN
ajis02-1923	44	11	of	of	ADP
ajis02-1923	44	12	the	the	DET
ajis02-1923	44	13	population	population	NOUN
ajis02-1923	44	14	is	be	AUX
ajis02-1923	44	15	not	not	PART
ajis02-1923	44	16	satisfied	satisfied	ADJ
ajis02-1923	44	17	with	with	ADP
ajis02-1923	44	18	the	the	DET
ajis02-1923	44	19	interaction	interaction	NOUN
ajis02-1923	44	20	with	with	ADP
ajis02-1923	44	21	the	the	DET
ajis02-1923	44	22	financial	financial	ADJ
ajis02-1923	44	23	institutions	institution	NOUN
ajis02-1923	44	24	(	(	PUNCT
ajis02-1923	44	25	encashing	encashe	VERB
ajis02-1923	44	26	on	on	ADP
ajis02-1923	44	27	digital	digital	ADJ
ajis02-1923	44	28	:	:	PUNCT
ajis02-1923	44	29	financial	financial	ADJ
ajis02-1923	44	30	service	service	NOUN
ajis02-1923	44	31	in	in	ADP
ajis02-1923	44	32	2020	2020	NUM
ajis02-1923	44	33	,	,	PUNCT
ajis02-1923	44	34	2017	2017	NUM
ajis02-1923	44	35	)	)	PUNCT
ajis02-1923	44	36	.	.	PUNCT
ajis02-1923	45	1	therefore	therefore	ADV
ajis02-1923	45	2	,	,	PUNCT
ajis02-1923	45	3	whether	whether	SCONJ
ajis02-1923	45	4	the	the	DET
ajis02-1923	45	5	service	service	NOUN
ajis02-1923	45	6	can	can	AUX
ajis02-1923	45	7	achieve	achieve	VERB
ajis02-1923	45	8	what	what	PRON
ajis02-1923	45	9	users	user	NOUN
ajis02-1923	45	10	want	want	VERB
ajis02-1923	45	11	in	in	ADP
ajis02-1923	45	12	a	a	DET
ajis02-1923	45	13	bank	bank	NOUN
ajis02-1923	45	14	website	website	NOUN
ajis02-1923	45	15	constitutes	constitute	VERB
ajis02-1923	45	16	an	an	DET
ajis02-1923	45	17	important	important	ADJ
ajis02-1923	45	18	area	area	NOUN
ajis02-1923	45	19	of	of	ADP
ajis02-1923	45	20	study	study	NOUN
ajis02-1923	45	21	.	.	PUNCT
ajis02-1923	46	1	more	more	ADJ
ajis02-1923	46	2	research	research	NOUN
ajis02-1923	46	3	is	be	AUX
ajis02-1923	46	4	needed	need	VERB
ajis02-1923	46	5	to	to	PART
ajis02-1923	46	6	better	well	ADV
ajis02-1923	46	7	understand	understand	VERB
ajis02-1923	46	8	how	how	SCONJ
ajis02-1923	46	9	services	service	NOUN
ajis02-1923	46	10	delivered	deliver	VERB
ajis02-1923	46	11	through	through	ADP
ajis02-1923	46	12	technological	technological	ADJ
ajis02-1923	46	13	interfaces	interface	NOUN
ajis02-1923	46	14	such	such	ADJ
ajis02-1923	46	15	as	as	ADP
ajis02-1923	46	16	the	the	DET
ajis02-1923	46	17	web	web	NOUN
ajis02-1923	46	18	affect	affect	VERB
ajis02-1923	46	19	user	user	NOUN
ajis02-1923	46	20	evaluation	evaluation	NOUN
ajis02-1923	46	21	of	of	ADP
ajis02-1923	46	22	the	the	DET
ajis02-1923	46	23	service	service	NOUN
ajis02-1923	46	24	value	value	NOUN
ajis02-1923	46	25	.	.	PUNCT
ajis02-1923	47	1	besides	besides	SCONJ
ajis02-1923	47	2	,	,	PUNCT
ajis02-1923	47	3	there	there	PRON
ajis02-1923	47	4	is	be	VERB
ajis02-1923	47	5	a	a	DET
ajis02-1923	47	6	need	need	NOUN
ajis02-1923	47	7	to	to	PART
ajis02-1923	47	8	understand	understand	VERB
ajis02-1923	47	9	how	how	SCONJ
ajis02-1923	47	10	banks	bank	NOUN
ajis02-1923	47	11	can	can	AUX
ajis02-1923	47	12	manage	manage	VERB
ajis02-1923	47	13	their	their	PRON
ajis02-1923	47	14	technology	technology	NOUN
ajis02-1923	47	15	-	-	PUNCT
ajis02-1923	47	16	based	base	VERB
ajis02-1923	47	17	service	service	NOUN
ajis02-1923	47	18	processes	process	NOUN
ajis02-1923	47	19	for	for	ADP
ajis02-1923	47	20	higher	high	ADJ
ajis02-1923	47	21	user	user	NOUN
ajis02-1923	47	22	satisfaction	satisfaction	NOUN
ajis02-1923	47	23	and	and	CCONJ
ajis02-1923	47	24	ultimately	ultimately	ADV
ajis02-1923	47	25	to	to	PART
ajis02-1923	47	26	influence	influence	VERB
ajis02-1923	47	27	user	user	NOUN
ajis02-1923	47	28	behavioural	behavioural	ADJ
ajis02-1923	47	29	intention	intention	NOUN
ajis02-1923	47	30	(	(	PUNCT
ajis02-1923	47	31	bi	bi	NOUN
ajis02-1923	47	32	)	)	PUNCT
ajis02-1923	47	33	.	.	PUNCT
ajis02-1923	48	1	extant	extant	ADJ
ajis02-1923	48	2	literature	literature	PROPN
ajis02-1923	48	3	identifies	identify	VERB
ajis02-1923	48	4	that	that	SCONJ
ajis02-1923	48	5	service	service	NOUN
ajis02-1923	48	6	process	process	NOUN
ajis02-1923	48	7	plays	play	VERB
ajis02-1923	48	8	a	a	DET
ajis02-1923	48	9	critical	critical	ADJ
ajis02-1923	48	10	role	role	NOUN
ajis02-1923	48	11	in	in	ADP
ajis02-1923	48	12	influencing	influence	VERB
ajis02-1923	48	13	service	service	NOUN
ajis02-1923	48	14	quality	quality	NOUN
ajis02-1923	48	15	and	and	CCONJ
ajis02-1923	48	16	customer	customer	NOUN
ajis02-1923	48	17	satisfaction	satisfaction	NOUN
ajis02-1923	48	18	(	(	PUNCT
ajis02-1923	48	19	ba	ba	PROPN
ajis02-1923	48	20	&	&	CCONJ
ajis02-1923	48	21	johansson	johansson	PROPN
ajis02-1923	48	22	,	,	PUNCT
ajis02-1923	48	23	2008	2008	NUM
ajis02-1923	48	24	;	;	PUNCT
ajis02-1923	48	25	luu	luu	PROPN
ajis02-1923	48	26	,	,	PUNCT
ajis02-1923	48	27	hau	hau	PROPN
ajis02-1923	48	28	,	,	PUNCT
ajis02-1923	48	29	ngo	ngo	PROPN
ajis02-1923	48	30	,	,	PUNCT
ajis02-1923	48	31	bucic	bucic	NOUN
ajis02-1923	48	32	,	,	PUNCT
ajis02-1923	48	33	&	&	CCONJ
ajis02-1923	48	34	cuong	cuong	PROPN
ajis02-1923	48	35	,	,	PUNCT
ajis02-1923	48	36	2016	2016	NUM
ajis02-1923	48	37	;	;	PUNCT
ajis02-1923	48	38	sachan	sachan	NOUN
ajis02-1923	48	39	,	,	PUNCT
ajis02-1923	48	40	kumar	kumar	PROPN
ajis02-1923	48	41	,	,	PUNCT
ajis02-1923	48	42	&	&	CCONJ
ajis02-1923	48	43	kumar	kumar	PROPN
ajis02-1923	48	44	,	,	PUNCT
ajis02-1923	48	45	2018	2018	NUM
ajis02-1923	48	46	)	)	PUNCT
ajis02-1923	48	47	.	.	PUNCT
ajis02-1923	49	1	however	however	ADV
ajis02-1923	49	2	,	,	PUNCT
ajis02-1923	49	3	to	to	ADP
ajis02-1923	49	4	the	the	DET
ajis02-1923	49	5	best	good	ADJ
ajis02-1923	49	6	of	of	ADP
ajis02-1923	49	7	our	our	PRON
ajis02-1923	49	8	knowledge	knowledge	NOUN
ajis02-1923	49	9	,	,	PUNCT
ajis02-1923	49	10	no	no	DET
ajis02-1923	49	11	study	study	NOUN
ajis02-1923	49	12	has	have	AUX
ajis02-1923	49	13	attempted	attempt	VERB
ajis02-1923	49	14	to	to	PART
ajis02-1923	49	15	examine	examine	VERB
ajis02-1923	49	16	the	the	DET
ajis02-1923	49	17	effect	effect	NOUN
ajis02-1923	49	18	of	of	ADP
ajis02-1923	49	19	the	the	DET
ajis02-1923	49	20	internet	internet	NOUN
ajis02-1923	49	21	banking	banking	NOUN
ajis02-1923	49	22	service	service	NOUN
ajis02-1923	49	23	delivery	delivery	NOUN
ajis02-1923	49	24	system	system	NOUN
ajis02-1923	49	25	(	(	PUNCT
ajis02-1923	49	26	ibsds	ibsds	NOUN
ajis02-1923	49	27	)	)	PUNCT
ajis02-1923	49	28	process	process	NOUN
ajis02-1923	49	29	on	on	ADP
ajis02-1923	49	30	the	the	DET
ajis02-1923	49	31	adoption	adoption	NOUN
ajis02-1923	49	32	of	of	ADP
ajis02-1923	49	33	internet	internet	NOUN
ajis02-1923	49	34	banking	banking	NOUN
ajis02-1923	49	35	.	.	PUNCT
ajis02-1923	50	1	specifically	specifically	ADV
ajis02-1923	50	2	,	,	PUNCT
ajis02-1923	50	3	a	a	DET
ajis02-1923	50	4	service	service	NOUN
ajis02-1923	50	5	process	process	NOUN
ajis02-1923	50	6	is	be	AUX
ajis02-1923	50	7	conceptualized	conceptualize	VERB
ajis02-1923	50	8	as	as	ADP
ajis02-1923	50	9	a	a	DET
ajis02-1923	50	10	configuration	configuration	NOUN
ajis02-1923	50	11	of	of	ADP
ajis02-1923	50	12	technological	technological	ADJ
ajis02-1923	50	13	capabilities	capability	NOUN
ajis02-1923	50	14	through	through	ADP
ajis02-1923	50	15	which	which	PRON
ajis02-1923	50	16	service	service	NOUN
ajis02-1923	50	17	providers	provider	NOUN
ajis02-1923	50	18	respond	respond	VERB
ajis02-1923	50	19	to	to	ADP
ajis02-1923	50	20	user	user	NOUN
ajis02-1923	50	21	needs	need	NOUN
ajis02-1923	50	22	(	(	PUNCT
ajis02-1923	50	23	ba	ba	PROPN
ajis02-1923	50	24	&	&	CCONJ
ajis02-1923	50	25	johansson	johansson	PROPN
ajis02-1923	50	26	,	,	PUNCT
ajis02-1923	50	27	2008	2008	NUM
ajis02-1923	50	28	)	)	PUNCT
ajis02-1923	50	29	,	,	PUNCT
ajis02-1923	50	30	and	and	CCONJ
ajis02-1923	50	31	perceived	perceive	VERB
ajis02-1923	50	32	ibsds	ibsds	NOUN
ajis02-1923	50	33	process	process	NOUN
ajis02-1923	50	34	refers	refer	VERB
ajis02-1923	50	35	to	to	ADP
ajis02-1923	50	36	the	the	DET
ajis02-1923	50	37	user	user	NOUN
ajis02-1923	50	38	’s	’s	PART
ajis02-1923	50	39	view	view	NOUN
ajis02-1923	50	40	of	of	ADP
ajis02-1923	50	41	how	how	SCONJ
ajis02-1923	50	42	the	the	DET
ajis02-1923	50	43	banking	banking	NOUN
ajis02-1923	50	44	website	website	NOUN
ajis02-1923	50	45	’s	’s	PART
ajis02-1923	50	46	technological	technological	ADJ
ajis02-1923	50	47	capabilities	capability	NOUN
ajis02-1923	50	48	deliver	deliver	VERB
ajis02-1923	50	49	service	service	NOUN
ajis02-1923	50	50	processes	process	NOUN
ajis02-1923	50	51	.	.	PUNCT
ajis02-1923	51	1	hence	hence	ADV
ajis02-1923	51	2	,	,	PUNCT
ajis02-1923	51	3	a	a	DET
ajis02-1923	51	4	strong	strong	ADJ
ajis02-1923	51	5	theoretical	theoretical	ADJ
ajis02-1923	51	6	gap	gap	NOUN
ajis02-1923	51	7	exists	exist	VERB
ajis02-1923	51	8	in	in	ADP
ajis02-1923	51	9	the	the	DET
ajis02-1923	51	10	literature	literature	NOUN
ajis02-1923	51	11	.	.	PUNCT
ajis02-1923	52	1	this	this	DET
ajis02-1923	52	2	study	study	NOUN
ajis02-1923	52	3	aims	aim	VERB
ajis02-1923	52	4	to	to	PART
ajis02-1923	52	5	fill	fill	VERB
ajis02-1923	52	6	this	this	DET
ajis02-1923	52	7	gap	gap	NOUN
ajis02-1923	52	8	by	by	ADP
ajis02-1923	52	9	exploring	explore	VERB
ajis02-1923	52	10	the	the	DET
ajis02-1923	52	11	impact	impact	NOUN
ajis02-1923	52	12	of	of	ADP
ajis02-1923	52	13	the	the	DET
ajis02-1923	52	14	ibsds	ibsds	NOUN
ajis02-1923	52	15	process	process	NOUN
ajis02-1923	52	16	on	on	ADP
ajis02-1923	52	17	the	the	DET
ajis02-1923	52	18	adoption	adoption	NOUN
ajis02-1923	52	19	of	of	ADP
ajis02-1923	52	20	internet	internet	NOUN
ajis02-1923	52	21	banking	banking	NOUN
ajis02-1923	52	22	.	.	PUNCT
ajis02-1923	53	1	we	we	PRON
ajis02-1923	53	2	build	build	VERB
ajis02-1923	53	3	on	on	ADP
ajis02-1923	53	4	theories	theory	NOUN
ajis02-1923	53	5	from	from	ADP
ajis02-1923	53	6	service	service	NOUN
ajis02-1923	53	7	management	management	NOUN
ajis02-1923	53	8	and	and	CCONJ
ajis02-1923	53	9	propose	propose	VERB
ajis02-1923	53	10	viewing	view	VERB
ajis02-1923	53	11	the	the	DET
ajis02-1923	53	12	interface	interface	NOUN
ajis02-1923	53	13	between	between	ADP
ajis02-1923	53	14	user	user	NOUN
ajis02-1923	53	15	and	and	CCONJ
ajis02-1923	53	16	service	service	NOUN
ajis02-1923	53	17	provider	provider	NOUN
ajis02-1923	53	18	(	(	PUNCT
ajis02-1923	53	19	i.e.	i.e.	X
ajis02-1923	53	20	,	,	PUNCT
ajis02-1923	53	21	bank	bank	NOUN
ajis02-1923	53	22	website	website	NOUN
ajis02-1923	53	23	)	)	PUNCT
ajis02-1923	53	24	to	to	PART
ajis02-1923	53	25	identify	identify	VERB
ajis02-1923	53	26	and	and	CCONJ
ajis02-1923	53	27	explain	explain	VERB
ajis02-1923	53	28	a	a	DET
ajis02-1923	53	29	possible	possible	ADJ
ajis02-1923	53	30	determinant	determinant	NOUN
ajis02-1923	53	31	of	of	ADP
ajis02-1923	53	32	internet	internet	NOUN
ajis02-1923	53	33	banking	banking	NOUN
ajis02-1923	53	34	user	user	NOUN
ajis02-1923	53	35	adoption	adoption	NOUN
ajis02-1923	53	36	.	.	PUNCT
ajis02-1923	54	1	studies	study	NOUN
ajis02-1923	54	2	in	in	ADP
ajis02-1923	54	3	the	the	DET
ajis02-1923	54	4	context	context	NOUN
ajis02-1923	54	5	of	of	ADP
ajis02-1923	54	6	internet	internet	NOUN
ajis02-1923	54	7	banking	banking	NOUN
ajis02-1923	54	8	have	have	AUX
ajis02-1923	54	9	focused	focus	VERB
ajis02-1923	54	10	on	on	ADP
ajis02-1923	54	11	the	the	DET
ajis02-1923	54	12	relationship	relationship	NOUN
ajis02-1923	54	13	between	between	ADP
ajis02-1923	54	14	customer	customer	NOUN
ajis02-1923	54	15	satisfaction	satisfaction	NOUN
ajis02-1923	54	16	and	and	CCONJ
ajis02-1923	54	17	behavioural	behavioural	ADJ
ajis02-1923	54	18	intention	intention	NOUN
ajis02-1923	54	19	(	(	PUNCT
ajis02-1923	54	20	bashir	bashir	PROPN
ajis02-1923	54	21	&	&	CCONJ
ajis02-1923	54	22	madhavaiah	madhavaiah	PROPN
ajis02-1923	54	23	,	,	PUNCT
ajis02-1923	54	24	2015	2015	NUM
ajis02-1923	54	25	;	;	PUNCT
ajis02-1923	54	26	khalfan	khalfan	PROPN
ajis02-1923	54	27	et	et	PROPN
ajis02-1923	54	28	al	al	PROPN
ajis02-1923	54	29	.	.	PROPN
ajis02-1923	54	30	,	,	PUNCT
ajis02-1923	54	31	2006	2006	NUM
ajis02-1923	54	32	;	;	PUNCT
ajis02-1923	54	33	laukkanen	laukkanen	NUM
ajis02-1923	54	34	,	,	PUNCT
ajis02-1923	54	35	2007	2007	NUM
ajis02-1923	54	36	;	;	PUNCT
ajis02-1923	54	37	sharma	sharma	PROPN
ajis02-1923	54	38	&	&	CCONJ
ajis02-1923	54	39	govindaluri	govindaluri	PROPN
ajis02-1923	54	40	,	,	PUNCT
ajis02-1923	54	41	2014	2014	NUM
ajis02-1923	54	42	;	;	PUNCT
ajis02-1923	54	43	singh	singh	PROPN
ajis02-1923	54	44	&	&	CCONJ
ajis02-1923	54	45	malhotra	malhotra	PROPN
ajis02-1923	54	46	,	,	PUNCT
ajis02-1923	54	47	2015	2015	NUM
ajis02-1923	54	48	;	;	PUNCT
ajis02-1923	54	49	tan	tan	PROPN
ajis02-1923	54	50	&	&	CCONJ
ajis02-1923	54	51	teo	teo	PROPN
ajis02-1923	54	52	,	,	PUNCT
ajis02-1923	54	53	2000	2000	NUM
ajis02-1923	54	54	)	)	PUNCT
ajis02-1923	54	55	.	.	PUNCT
ajis02-1923	55	1	the	the	DET
ajis02-1923	55	2	relationship	relationship	NOUN
ajis02-1923	55	3	seems	seem	VERB
ajis02-1923	55	4	almost	almost	ADV
ajis02-1923	55	5	intuitive	intuitive	ADJ
ajis02-1923	55	6	.	.	PUNCT
ajis02-1923	56	1	however	however	ADV
ajis02-1923	56	2	,	,	PUNCT
ajis02-1923	56	3	the	the	DET
ajis02-1923	56	4	strength	strength	NOUN
ajis02-1923	56	5	of	of	ADP
ajis02-1923	56	6	the	the	DET
ajis02-1923	56	7	relationship	relationship	NOUN
ajis02-1923	56	8	between	between	ADP
ajis02-1923	56	9	satisfaction	satisfaction	NOUN
ajis02-1923	56	10	and	and	CCONJ
ajis02-1923	56	11	behavioural	behavioural	ADJ
ajis02-1923	56	12	intention	intention	NOUN
ajis02-1923	56	13	in	in	ADP
ajis02-1923	56	14	internet	internet	NOUN
ajis02-1923	56	15	banking	banking	NOUN
ajis02-1923	56	16	may	may	AUX
ajis02-1923	56	17	vary	vary	VERB
ajis02-1923	56	18	significantly	significantly	ADV
ajis02-1923	56	19	under	under	ADP
ajis02-1923	56	20	different	different	ADJ
ajis02-1923	56	21	conditions	condition	NOUN
ajis02-1923	56	22	.	.	PUNCT
ajis02-1923	57	1	e	e	X
ajis02-1923	57	2	-	-	NOUN
ajis02-1923	57	3	commerce	commerce	NOUN
ajis02-1923	57	4	literature	literature	NOUN
ajis02-1923	57	5	highlights	highlight	VERB
ajis02-1923	57	6	the	the	DET
ajis02-1923	57	7	different	different	ADJ
ajis02-1923	57	8	conditions	condition	NOUN
ajis02-1923	57	9	in	in	ADP
ajis02-1923	57	10	which	which	PRON
ajis02-1923	57	11	the	the	DET
ajis02-1923	57	12	relationship	relationship	NOUN
ajis02-1923	57	13	between	between	ADP
ajis02-1923	57	14	customer	customer	NOUN
ajis02-1923	57	15	satisfaction	satisfaction	NOUN
ajis02-1923	57	16	and	and	CCONJ
ajis02-1923	57	17	behavioural	behavioural	ADJ
ajis02-1923	57	18	intention	intention	NOUN
ajis02-1923	57	19	varies	vary	VERB
ajis02-1923	57	20	(	(	PUNCT
ajis02-1923	57	21	anderson	anderson	PROPN
ajis02-1923	57	22	&	&	CCONJ
ajis02-1923	57	23	srinivasan	srinivasan	PROPN
ajis02-1923	57	24	,	,	PUNCT
ajis02-1923	57	25	2003	2003	NUM
ajis02-1923	57	26	;	;	PUNCT
ajis02-1923	57	27	chang	chang	PROPN
ajis02-1923	57	28	&	&	CCONJ
ajis02-1923	57	29	wang	wang	PROPN
ajis02-1923	57	30	,	,	PUNCT
ajis02-1923	57	31	2011	2011	NUM
ajis02-1923	57	32	;	;	PUNCT
ajis02-1923	57	33	chang	chang	PROPN
ajis02-1923	57	34	,	,	PUNCT
ajis02-1923	57	35	wang	wang	PROPN
ajis02-1923	57	36	,	,	PUNCT
ajis02-1923	57	37	&	&	CCONJ
ajis02-1923	57	38	yang	yang	PROPN
ajis02-1923	57	39	,	,	PUNCT
ajis02-1923	57	40	2009	2009	NUM
ajis02-1923	57	41	)	)	PUNCT
ajis02-1923	57	42	.	.	PUNCT
ajis02-1923	58	1	one	one	NUM
ajis02-1923	58	2	such	such	ADJ
ajis02-1923	58	3	condition	condition	NOUN
ajis02-1923	58	4	is	be	AUX
ajis02-1923	58	5	the	the	DET
ajis02-1923	58	6	customer	customer	NOUN
ajis02-1923	58	7	perceived	perceive	VERB
ajis02-1923	58	8	value	value	NOUN
ajis02-1923	58	9	(	(	PUNCT
ajis02-1923	58	10	pv	pv	NOUN
ajis02-1923	58	11	)	)	PUNCT
ajis02-1923	58	12	which	which	PRON
ajis02-1923	58	13	has	have	AUX
ajis02-1923	58	14	gained	gain	VERB
ajis02-1923	58	15	much	much	ADJ
ajis02-1923	58	16	attention	attention	NOUN
ajis02-1923	58	17	(	(	PUNCT
ajis02-1923	58	18	chang	chang	PROPN
ajis02-1923	58	19	&	&	CCONJ
ajis02-1923	58	20	wang	wang	PROPN
ajis02-1923	58	21	,	,	PUNCT
ajis02-1923	58	22	2011	2011	NUM
ajis02-1923	58	23	;	;	PUNCT
ajis02-1923	58	24	chang	chang	PROPN
ajis02-1923	58	25	et	et	PROPN
ajis02-1923	58	26	al	al	PROPN
ajis02-1923	58	27	.	.	PROPN
ajis02-1923	58	28	,	,	PUNCT
ajis02-1923	58	29	2009	2009	NUM
ajis02-1923	58	30	)	)	PUNCT
ajis02-1923	58	31	.	.	PUNCT
ajis02-1923	59	1	it	it	PRON
ajis02-1923	59	2	is	be	AUX
ajis02-1923	59	3	found	find	VERB
ajis02-1923	59	4	to	to	PART
ajis02-1923	59	5	play	play	VERB
ajis02-1923	59	6	an	an	DET
ajis02-1923	59	7	important	important	ADJ
ajis02-1923	59	8	role	role	NOUN
ajis02-1923	59	9	in	in	ADP
ajis02-1923	59	10	predicting	predict	VERB
ajis02-1923	59	11	purchase	purchase	NOUN
ajis02-1923	59	12	behaviour	behaviour	NOUN
ajis02-1923	59	13	and	and	CCONJ
ajis02-1923	59	14	enabling	enable	VERB
ajis02-1923	59	15	banks	bank	NOUN
ajis02-1923	59	16	to	to	PART
ajis02-1923	59	17	achieve	achieve	VERB
ajis02-1923	59	18	sustainable	sustainable	ADJ
ajis02-1923	59	19	competitive	competitive	ADJ
ajis02-1923	59	20	advantage	advantage	NOUN
ajis02-1923	59	21	(	(	PUNCT
ajis02-1923	59	22	zeithaml	zeithaml	NOUN
ajis02-1923	59	23	,	,	PUNCT
ajis02-1923	59	24	1988	1988	NUM
ajis02-1923	59	25	;	;	PUNCT
ajis02-1923	59	26	bolton	bolton	PROPN
ajis02-1923	59	27	and	and	CCONJ
ajis02-1923	59	28	drew	draw	VERB
ajis02-1923	59	29	,	,	PUNCT
ajis02-1923	59	30	1991	1991	NUM
ajis02-1923	59	31	;	;	PUNCT
ajis02-1923	59	32	mcdougall	mcdougall	NOUN
ajis02-1923	59	33	and	and	CCONJ
ajis02-1923	59	34	levesque	levesque	PROPN
ajis02-1923	59	35	,	,	PUNCT
ajis02-1923	59	36	2000	2000	NUM
ajis02-1923	59	37	;	;	PUNCT
ajis02-1923	59	38	mishra	mishra	PROPN
ajis02-1923	59	39	,	,	PUNCT
ajis02-1923	59	40	2009	2009	NUM
ajis02-1923	59	41	)	)	PUNCT
ajis02-1923	59	42	.	.	PUNCT
ajis02-1923	60	1	as	as	SCONJ
ajis02-1923	60	2	a	a	DET
ajis02-1923	60	3	website	website	NOUN
ajis02-1923	60	4	is	be	AUX
ajis02-1923	60	5	an	an	DET
ajis02-1923	60	6	important	important	ADJ
ajis02-1923	60	7	australasian	australasian	ADJ
ajis02-1923	60	8	journal	journal	NOUN
ajis02-1923	60	9	of	of	ADP
ajis02-1923	60	10	information	information	NOUN
ajis02-1923	60	11	systems	system	NOUN
ajis02-1923	60	12	kumar	kumar	PROPN
ajis02-1923	60	13	,	,	PUNCT
ajis02-1923	60	14	sachan	sachan	PROPN
ajis02-1923	60	15	&	&	CCONJ
ajis02-1923	60	16	kumar	kumar	PROPN
ajis02-1923	60	17	2020	2020	PROPN
ajis02-1923	60	18	,	,	PUNCT
ajis02-1923	60	19	vol	vol	NOUN
ajis02-1923	60	20	24	24	NUM
ajis02-1923	60	21	,	,	PUNCT
ajis02-1923	60	22	research	research	NOUN
ajis02-1923	60	23	article	article	NOUN
ajis02-1923	60	24	service	service	NOUN
ajis02-1923	60	25	delivery	delivery	NOUN
ajis02-1923	60	26	and	and	CCONJ
ajis02-1923	60	27	perceived	perceive	VERB
ajis02-1923	60	28	value	value	NOUN
ajis02-1923	60	29	in	in	ADP
ajis02-1923	60	30	internet	internet	NOUN
ajis02-1923	60	31	banking	banking	NOUN
ajis02-1923	60	32	adoption	adoption	NOUN
ajis02-1923	60	33	4	4	NUM
ajis02-1923	60	34	interface	interface	NOUN
ajis02-1923	60	35	in	in	ADP
ajis02-1923	60	36	internet	internet	NOUN
ajis02-1923	60	37	banking	banking	NOUN
ajis02-1923	60	38	,	,	PUNCT
ajis02-1923	60	39	it	it	PRON
ajis02-1923	60	40	would	would	AUX
ajis02-1923	60	41	be	be	AUX
ajis02-1923	60	42	interesting	interesting	ADJ
ajis02-1923	60	43	to	to	PART
ajis02-1923	60	44	determine	determine	VERB
ajis02-1923	60	45	if	if	SCONJ
ajis02-1923	60	46	perceived	perceive	VERB
ajis02-1923	60	47	value	value	NOUN
ajis02-1923	60	48	has	have	VERB
ajis02-1923	60	49	the	the	DET
ajis02-1923	60	50	potential	potential	NOUN
ajis02-1923	60	51	to	to	PART
ajis02-1923	60	52	influence	influence	VERB
ajis02-1923	60	53	the	the	DET
ajis02-1923	60	54	relationship	relationship	NOUN
ajis02-1923	60	55	between	between	ADP
ajis02-1923	60	56	customer	customer	NOUN
ajis02-1923	60	57	satisfaction	satisfaction	NOUN
ajis02-1923	60	58	and	and	CCONJ
ajis02-1923	60	59	behavioural	behavioural	ADJ
ajis02-1923	60	60	intention	intention	NOUN
ajis02-1923	60	61	.	.	PUNCT
ajis02-1923	61	1	we	we	PRON
ajis02-1923	61	2	also	also	ADV
ajis02-1923	61	3	find	find	VERB
ajis02-1923	61	4	that	that	SCONJ
ajis02-1923	61	5	existing	exist	VERB
ajis02-1923	61	6	literature	literature	NOUN
ajis02-1923	61	7	has	have	AUX
ajis02-1923	61	8	not	not	PART
ajis02-1923	61	9	adequately	adequately	ADV
ajis02-1923	61	10	examined	examine	VERB
ajis02-1923	61	11	the	the	DET
ajis02-1923	61	12	moderating	moderate	VERB
ajis02-1923	61	13	effect	effect	NOUN
ajis02-1923	61	14	of	of	ADP
ajis02-1923	61	15	perceived	perceive	VERB
ajis02-1923	61	16	value	value	NOUN
ajis02-1923	61	17	on	on	ADP
ajis02-1923	61	18	the	the	DET
ajis02-1923	61	19	relationship	relationship	NOUN
ajis02-1923	61	20	between	between	ADP
ajis02-1923	61	21	the	the	DET
ajis02-1923	61	22	ibsds	ibsds	NOUN
ajis02-1923	61	23	process	process	NOUN
ajis02-1923	61	24	and	and	CCONJ
ajis02-1923	61	25	customer	customer	NOUN
ajis02-1923	61	26	satisfaction	satisfaction	NOUN
ajis02-1923	61	27	.	.	PUNCT
ajis02-1923	62	1	examining	examine	VERB
ajis02-1923	62	2	these	these	DET
ajis02-1923	62	3	relationships	relationship	NOUN
ajis02-1923	62	4	will	will	AUX
ajis02-1923	62	5	not	not	PART
ajis02-1923	62	6	only	only	ADV
ajis02-1923	62	7	strengthen	strengthen	VERB
ajis02-1923	62	8	the	the	DET
ajis02-1923	62	9	theoretical	theoretical	ADJ
ajis02-1923	62	10	foundations	foundation	NOUN
ajis02-1923	62	11	of	of	ADP
ajis02-1923	62	12	the	the	DET
ajis02-1923	62	13	proposed	propose	VERB
ajis02-1923	62	14	research	research	NOUN
ajis02-1923	62	15	model	model	NOUN
ajis02-1923	62	16	in	in	ADP
ajis02-1923	62	17	measuring	measure	VERB
ajis02-1923	62	18	the	the	DET
ajis02-1923	62	19	demand	demand	NOUN
ajis02-1923	62	20	-	-	PUNCT
ajis02-1923	62	21	side	side	NOUN
ajis02-1923	62	22	perspective	perspective	NOUN
ajis02-1923	62	23	of	of	ADP
ajis02-1923	62	24	customer	customer	NOUN
ajis02-1923	62	25	satisfaction	satisfaction	NOUN
ajis02-1923	62	26	and	and	CCONJ
ajis02-1923	62	27	behavioural	behavioural	ADJ
ajis02-1923	62	28	intention	intention	NOUN
ajis02-1923	62	29	but	but	CCONJ
ajis02-1923	62	30	also	also	ADV
ajis02-1923	62	31	allow	allow	VERB
ajis02-1923	62	32	policymakers	policymaker	NOUN
ajis02-1923	62	33	to	to	PART
ajis02-1923	62	34	understand	understand	VERB
ajis02-1923	62	35	the	the	DET
ajis02-1923	62	36	extended	extended	ADJ
ajis02-1923	62	37	facets	facet	NOUN
ajis02-1923	62	38	of	of	ADP
ajis02-1923	62	39	customer	customer	NOUN
ajis02-1923	62	40	satisfaction	satisfaction	NOUN
ajis02-1923	62	41	and	and	CCONJ
ajis02-1923	62	42	their	their	PRON
ajis02-1923	62	43	behavioural	behavioural	ADJ
ajis02-1923	62	44	intention	intention	NOUN
ajis02-1923	62	45	based	base	VERB
ajis02-1923	62	46	on	on	ADP
ajis02-1923	62	47	the	the	DET
ajis02-1923	62	48	delivery	delivery	NOUN
ajis02-1923	62	49	process	process	NOUN
ajis02-1923	62	50	of	of	ADP
ajis02-1923	62	51	the	the	DET
ajis02-1923	62	52	internet	internet	NOUN
ajis02-1923	62	53	banking	banking	NOUN
ajis02-1923	62	54	services	service	NOUN
ajis02-1923	62	55	provided	provide	VERB
ajis02-1923	62	56	by	by	ADP
ajis02-1923	62	57	the	the	DET
ajis02-1923	62	58	financial	financial	ADJ
ajis02-1923	62	59	service	service	NOUN
ajis02-1923	62	60	providers	provider	NOUN
ajis02-1923	62	61	.	.	PUNCT
ajis02-1923	63	1	summarizing	summarizing	NOUN
ajis02-1923	63	2	,	,	PUNCT
ajis02-1923	63	3	the	the	DET
ajis02-1923	63	4	study	study	NOUN
ajis02-1923	63	5	has	have	VERB
ajis02-1923	63	6	three	three	NUM
ajis02-1923	63	7	objectives	objective	NOUN
ajis02-1923	63	8	:	:	PUNCT
ajis02-1923	63	9	first	first	ADJ
ajis02-1923	63	10	,	,	PUNCT
ajis02-1923	63	11	to	to	PART
ajis02-1923	63	12	develop	develop	VERB
ajis02-1923	63	13	and	and	CCONJ
ajis02-1923	63	14	test	test	VERB
ajis02-1923	63	15	the	the	DET
ajis02-1923	63	16	research	research	NOUN
ajis02-1923	63	17	hypotheses	hypothesis	NOUN
ajis02-1923	63	18	linking	link	VERB
ajis02-1923	63	19	together	together	ADV
ajis02-1923	63	20	ibsds	ibsds	NOUN
ajis02-1923	63	21	process	process	NOUN
ajis02-1923	63	22	,	,	PUNCT
ajis02-1923	63	23	customer	customer	NOUN
ajis02-1923	63	24	satisfaction	satisfaction	NOUN
ajis02-1923	63	25	,	,	PUNCT
ajis02-1923	63	26	and	and	CCONJ
ajis02-1923	63	27	customer	customer	NOUN
ajis02-1923	63	28	behavioural	behavioural	ADJ
ajis02-1923	63	29	intention	intention	NOUN
ajis02-1923	63	30	;	;	PUNCT
ajis02-1923	63	31	second	second	X
ajis02-1923	63	32	,	,	PUNCT
ajis02-1923	63	33	to	to	PART
ajis02-1923	63	34	examine	examine	VERB
ajis02-1923	63	35	the	the	DET
ajis02-1923	63	36	mediating	mediate	VERB
ajis02-1923	63	37	effect	effect	NOUN
ajis02-1923	63	38	of	of	ADP
ajis02-1923	63	39	customer	customer	NOUN
ajis02-1923	63	40	satisfaction	satisfaction	NOUN
ajis02-1923	63	41	on	on	ADP
ajis02-1923	63	42	the	the	DET
ajis02-1923	63	43	relationship	relationship	NOUN
ajis02-1923	63	44	between	between	ADP
ajis02-1923	63	45	ibsds	ibsds	NOUN
ajis02-1923	63	46	process	process	NOUN
ajis02-1923	63	47	and	and	CCONJ
ajis02-1923	63	48	consumer	consumer	NOUN
ajis02-1923	63	49	behavioural	behavioural	ADJ
ajis02-1923	63	50	intention	intention	NOUN
ajis02-1923	63	51	;	;	PUNCT
ajis02-1923	63	52	and	and	CCONJ
ajis02-1923	63	53	third	third	ADV
ajis02-1923	63	54	,	,	PUNCT
ajis02-1923	63	55	to	to	PART
ajis02-1923	63	56	examine	examine	VERB
ajis02-1923	63	57	the	the	DET
ajis02-1923	63	58	moderating	moderate	VERB
ajis02-1923	63	59	effect	effect	NOUN
ajis02-1923	63	60	of	of	ADP
ajis02-1923	63	61	consumer	consumer	NOUN
ajis02-1923	63	62	perceived	perceive	VERB
ajis02-1923	63	63	value	value	NOUN
ajis02-1923	63	64	on	on	ADP
ajis02-1923	63	65	the	the	DET
ajis02-1923	63	66	relationship	relationship	NOUN
ajis02-1923	63	67	between	between	ADP
ajis02-1923	63	68	ibsds	ibsds	NOUN
ajis02-1923	63	69	process	process	NOUN
ajis02-1923	63	70	and	and	CCONJ
ajis02-1923	63	71	customer	customer	NOUN
ajis02-1923	63	72	value	value	NOUN
ajis02-1923	63	73	,	,	PUNCT
ajis02-1923	63	74	and	and	CCONJ
ajis02-1923	63	75	the	the	DET
ajis02-1923	63	76	relationship	relationship	NOUN
ajis02-1923	63	77	between	between	ADP
ajis02-1923	63	78	customer	customer	NOUN
ajis02-1923	63	79	satisfaction	satisfaction	NOUN
ajis02-1923	63	80	and	and	CCONJ
ajis02-1923	63	81	behavioural	behavioural	ADJ
ajis02-1923	63	82	intention	intention	NOUN
ajis02-1923	63	83	.	.	PUNCT
ajis02-1923	64	1	2	2	NUM
ajis02-1923	64	2	theoretical	theoretical	ADJ
ajis02-1923	64	3	framework	framework	NOUN
ajis02-1923	64	4	a	a	DET
ajis02-1923	64	5	banking	banking	NOUN
ajis02-1923	64	6	website	website	NOUN
ajis02-1923	64	7	is	be	AUX
ajis02-1923	64	8	an	an	DET
ajis02-1923	64	9	integrated	integrate	VERB
ajis02-1923	64	10	system	system	NOUN
ajis02-1923	64	11	of	of	ADP
ajis02-1923	64	12	banking	banking	NOUN
ajis02-1923	64	13	service	service	NOUN
ajis02-1923	64	14	delivery	delivery	NOUN
ajis02-1923	64	15	and	and	CCONJ
ajis02-1923	64	16	is	be	AUX
ajis02-1923	64	17	critical	critical	ADJ
ajis02-1923	64	18	for	for	ADP
ajis02-1923	64	19	its	its	PRON
ajis02-1923	64	20	value	value	NOUN
ajis02-1923	64	21	creation	creation	NOUN
ajis02-1923	64	22	strategy	strategy	NOUN
ajis02-1923	64	23	(	(	PUNCT
ajis02-1923	64	24	gupta	gupta	PROPN
ajis02-1923	64	25	&	&	CCONJ
ajis02-1923	64	26	suri	suri	PROPN
ajis02-1923	64	27	,	,	PUNCT
ajis02-1923	64	28	2017	2017	NUM
ajis02-1923	64	29	)	)	PUNCT
ajis02-1923	64	30	.	.	PUNCT
ajis02-1923	65	1	it	it	PRON
ajis02-1923	65	2	is	be	AUX
ajis02-1923	65	3	argued	argue	VERB
ajis02-1923	65	4	that	that	SCONJ
ajis02-1923	65	5	the	the	DET
ajis02-1923	65	6	more	more	ADJ
ajis02-1923	65	7	value	value	NOUN
ajis02-1923	65	8	a	a	DET
ajis02-1923	65	9	customer	customer	NOUN
ajis02-1923	65	10	receives	receive	VERB
ajis02-1923	65	11	during	during	ADP
ajis02-1923	65	12	the	the	DET
ajis02-1923	65	13	service	service	NOUN
ajis02-1923	65	14	delivery	delivery	NOUN
ajis02-1923	65	15	process	process	NOUN
ajis02-1923	65	16	,	,	PUNCT
ajis02-1923	65	17	the	the	DET
ajis02-1923	65	18	more	more	ADV
ajis02-1923	65	19	positive	positive	ADJ
ajis02-1923	65	20	emotions	emotion	NOUN
ajis02-1923	65	21	it	it	PRON
ajis02-1923	65	22	evokes	evoke	VERB
ajis02-1923	65	23	toward	toward	ADP
ajis02-1923	65	24	the	the	DET
ajis02-1923	65	25	service	service	NOUN
ajis02-1923	65	26	provider	provider	NOUN
ajis02-1923	65	27	,	,	PUNCT
ajis02-1923	65	28	thereby	thereby	ADV
ajis02-1923	65	29	strengthening	strengthen	VERB
ajis02-1923	65	30	the	the	DET
ajis02-1923	65	31	emotional	emotional	ADJ
ajis02-1923	65	32	attachment	attachment	NOUN
ajis02-1923	65	33	between	between	ADP
ajis02-1923	65	34	the	the	DET
ajis02-1923	65	35	two	two	NUM
ajis02-1923	65	36	parties	party	NOUN
ajis02-1923	65	37	(	(	PUNCT
ajis02-1923	65	38	luu	luu	PROPN
ajis02-1923	65	39	et	et	PROPN
ajis02-1923	65	40	al	al	PROPN
ajis02-1923	65	41	.	.	PROPN
ajis02-1923	65	42	,	,	PUNCT
ajis02-1923	65	43	2016	2016	NUM
ajis02-1923	65	44	;	;	PUNCT
ajis02-1923	65	45	zeithaml	zeithaml	PROPN
ajis02-1923	65	46	et	et	PROPN
ajis02-1923	65	47	al	al	PROPN
ajis02-1923	65	48	.	.	PROPN
ajis02-1923	65	49	,	,	PUNCT
ajis02-1923	65	50	1991	1991	NUM
ajis02-1923	65	51	)	)	PUNCT
ajis02-1923	65	52	.	.	PUNCT
ajis02-1923	66	1	in	in	ADP
ajis02-1923	66	2	view	view	NOUN
ajis02-1923	66	3	of	of	ADP
ajis02-1923	66	4	the	the	DET
ajis02-1923	66	5	lack	lack	NOUN
ajis02-1923	66	6	of	of	ADP
ajis02-1923	66	7	literature	literature	NOUN
ajis02-1923	66	8	on	on	ADP
ajis02-1923	66	9	the	the	DET
ajis02-1923	66	10	ibsds	ibsds	NOUN
ajis02-1923	66	11	process	process	NOUN
ajis02-1923	66	12	and	and	CCONJ
ajis02-1923	66	13	its	its	PRON
ajis02-1923	66	14	relationship	relationship	NOUN
ajis02-1923	66	15	with	with	ADP
ajis02-1923	66	16	internet	internet	NOUN
ajis02-1923	66	17	banking	banking	NOUN
ajis02-1923	66	18	adoption	adoption	NOUN
ajis02-1923	66	19	,	,	PUNCT
ajis02-1923	66	20	this	this	DET
ajis02-1923	66	21	study	study	NOUN
ajis02-1923	66	22	attempts	attempt	VERB
ajis02-1923	66	23	to	to	PART
ajis02-1923	66	24	develop	develop	VERB
ajis02-1923	66	25	insights	insight	NOUN
ajis02-1923	66	26	into	into	ADP
ajis02-1923	66	27	these	these	DET
ajis02-1923	66	28	aspects	aspect	NOUN
ajis02-1923	66	29	by	by	ADP
ajis02-1923	66	30	reviewing	review	VERB
ajis02-1923	66	31	relevant	relevant	ADJ
ajis02-1923	66	32	literature	literature	NOUN
ajis02-1923	66	33	.	.	PUNCT
ajis02-1923	67	1	this	this	DET
ajis02-1923	67	2	research	research	NOUN
ajis02-1923	67	3	is	be	AUX
ajis02-1923	67	4	based	base	VERB
ajis02-1923	67	5	on	on	ADP
ajis02-1923	67	6	the	the	DET
ajis02-1923	67	7	reformation	reformation	NOUN
ajis02-1923	67	8	of	of	ADP
ajis02-1923	67	9	attitude	attitude	NOUN
ajis02-1923	67	10	theory	theory	NOUN
ajis02-1923	67	11	by	by	ADP
ajis02-1923	67	12	bagozzi	bagozzi	NOUN
ajis02-1923	67	13	(	(	PUNCT
ajis02-1923	67	14	1992	1992	NUM
ajis02-1923	67	15	)	)	PUNCT
ajis02-1923	67	16	.	.	PUNCT
ajis02-1923	68	1	it	it	PRON
ajis02-1923	68	2	further	far	ADV
ajis02-1923	68	3	introduces	introduce	VERB
ajis02-1923	68	4	the	the	DET
ajis02-1923	68	5	ibsds	ibsds	NOUN
ajis02-1923	68	6	process	process	NOUN
ajis02-1923	68	7	and	and	CCONJ
ajis02-1923	68	8	also	also	ADV
ajis02-1923	68	9	incorporates	incorporate	VERB
ajis02-1923	68	10	customer	customer	NOUN
ajis02-1923	68	11	satisfaction	satisfaction	NOUN
ajis02-1923	68	12	and	and	CCONJ
ajis02-1923	68	13	behavioural	behavioural	ADJ
ajis02-1923	68	14	intention	intention	NOUN
ajis02-1923	68	15	as	as	ADP
ajis02-1923	68	16	the	the	DET
ajis02-1923	68	17	research	research	NOUN
ajis02-1923	68	18	constructs	construct	VERB
ajis02-1923	68	19	.	.	PUNCT
ajis02-1923	69	1	bagozzi	bagozzi	PROPN
ajis02-1923	69	2	's	's	PART
ajis02-1923	69	3	(	(	PUNCT
ajis02-1923	69	4	1992	1992	NUM
ajis02-1923	69	5	)	)	PUNCT
ajis02-1923	69	6	model	model	NOUN
ajis02-1923	69	7	suggests	suggest	VERB
ajis02-1923	69	8	that	that	SCONJ
ajis02-1923	69	9	an	an	DET
ajis02-1923	69	10	initial	initial	ADJ
ajis02-1923	69	11	service	service	NOUN
ajis02-1923	69	12	evaluation	evaluation	NOUN
ajis02-1923	69	13	(	(	PUNCT
ajis02-1923	69	14	i.e.	i.e.	X
ajis02-1923	69	15	,	,	PUNCT
ajis02-1923	69	16	appraisal	appraisal	NOUN
ajis02-1923	69	17	)	)	PUNCT
ajis02-1923	69	18	leads	lead	VERB
ajis02-1923	69	19	to	to	ADP
ajis02-1923	69	20	an	an	DET
ajis02-1923	69	21	emotional	emotional	ADJ
ajis02-1923	69	22	reaction	reaction	NOUN
ajis02-1923	69	23	which	which	PRON
ajis02-1923	69	24	,	,	PUNCT
ajis02-1923	69	25	in	in	ADP
ajis02-1923	69	26	turn	turn	NOUN
ajis02-1923	69	27	,	,	PUNCT
ajis02-1923	69	28	drives	drive	VERB
ajis02-1923	69	29	behaviour	behaviour	NOUN
ajis02-1923	69	30	.	.	PUNCT
ajis02-1923	70	1	we	we	PRON
ajis02-1923	70	2	also	also	ADV
ajis02-1923	70	3	adopt	adopt	VERB
ajis02-1923	70	4	customer	customer	NOUN
ajis02-1923	70	5	perceived	perceive	VERB
ajis02-1923	70	6	value	value	NOUN
ajis02-1923	70	7	as	as	SCONJ
ajis02-1923	70	8	our	our	PRON
ajis02-1923	70	9	fourth	fourth	ADJ
ajis02-1923	70	10	research	research	NOUN
ajis02-1923	70	11	construct	construct	NOUN
ajis02-1923	70	12	to	to	PART
ajis02-1923	70	13	test	test	VERB
ajis02-1923	70	14	the	the	DET
ajis02-1923	70	15	moderating	moderate	VERB
ajis02-1923	70	16	effect	effect	NOUN
ajis02-1923	70	17	.	.	PUNCT
ajis02-1923	71	1	the	the	DET
ajis02-1923	71	2	model	model	NOUN
ajis02-1923	71	3	is	be	AUX
ajis02-1923	71	4	presented	present	VERB
ajis02-1923	71	5	in	in	ADP
ajis02-1923	71	6	figure	figure	NOUN
ajis02-1923	71	7	1	1	NUM
ajis02-1923	71	8	.	.	PUNCT
ajis02-1923	72	1	each	each	DET
ajis02-1923	72	2	construct	construct	NOUN
ajis02-1923	72	3	is	be	AUX
ajis02-1923	72	4	elaborated	elaborate	VERB
ajis02-1923	72	5	as	as	SCONJ
ajis02-1923	72	6	follows	follow	VERB
ajis02-1923	72	7	and	and	CCONJ
ajis02-1923	72	8	the	the	DET
ajis02-1923	72	9	model	model	NOUN
ajis02-1923	72	10	’s	’s	PART
ajis02-1923	72	11	conceptual	conceptual	ADJ
ajis02-1923	72	12	development	development	NOUN
ajis02-1923	72	13	and	and	CCONJ
ajis02-1923	72	14	research	research	NOUN
ajis02-1923	72	15	hypotheses	hypothesis	NOUN
ajis02-1923	72	16	are	be	AUX
ajis02-1923	72	17	presented	present	VERB
ajis02-1923	72	18	herein	herein	NOUN
ajis02-1923	72	19	.	.	PUNCT
ajis02-1923	73	1	2.1	2.1	NUM
ajis02-1923	73	2	ibsds	ibsds	NOUN
ajis02-1923	73	3	process	process	NOUN
ajis02-1923	73	4	as	as	SCONJ
ajis02-1923	73	5	discussed	discuss	VERB
ajis02-1923	73	6	in	in	ADP
ajis02-1923	73	7	the	the	DET
ajis02-1923	73	8	previous	previous	ADJ
ajis02-1923	73	9	section	section	NOUN
ajis02-1923	73	10	,	,	PUNCT
ajis02-1923	73	11	perceived	perceive	VERB
ajis02-1923	73	12	ibsds	ibsds	NOUN
ajis02-1923	73	13	process	process	NOUN
ajis02-1923	73	14	refers	refer	VERB
ajis02-1923	73	15	to	to	ADP
ajis02-1923	73	16	customer	customer	NOUN
ajis02-1923	73	17	views	view	NOUN
ajis02-1923	73	18	on	on	ADP
ajis02-1923	73	19	how	how	SCONJ
ajis02-1923	73	20	a	a	DET
ajis02-1923	73	21	banking	banking	NOUN
ajis02-1923	73	22	website	website	NOUN
ajis02-1923	73	23	’s	’s	PART
ajis02-1923	73	24	technological	technological	ADJ
ajis02-1923	73	25	capabilities	capability	NOUN
ajis02-1923	73	26	deliver	deliver	VERB
ajis02-1923	73	27	service	service	NOUN
ajis02-1923	73	28	processes	process	NOUN
ajis02-1923	73	29	.	.	PUNCT
ajis02-1923	74	1	service	service	NOUN
ajis02-1923	74	2	management	management	NOUN
ajis02-1923	74	3	literature	literature	PROPN
ajis02-1923	74	4	identifies	identify	VERB
ajis02-1923	74	5	service	service	NOUN
ajis02-1923	74	6	process	process	NOUN
ajis02-1923	74	7	as	as	ADP
ajis02-1923	74	8	a	a	DET
ajis02-1923	74	9	critical	critical	ADJ
ajis02-1923	74	10	factor	factor	NOUN
ajis02-1923	74	11	influencing	influence	VERB
ajis02-1923	74	12	service	service	NOUN
ajis02-1923	74	13	quality	quality	NOUN
ajis02-1923	74	14	(	(	PUNCT
ajis02-1923	74	15	ba	ba	PROPN
ajis02-1923	74	16	&	&	CCONJ
ajis02-1923	74	17	johansson	johansson	PROPN
ajis02-1923	74	18	,	,	PUNCT
ajis02-1923	74	19	2008	2008	NUM
ajis02-1923	74	20	)	)	PUNCT
ajis02-1923	74	21	.	.	PUNCT
ajis02-1923	75	1	roth	roth	PROPN
ajis02-1923	75	2	and	and	CCONJ
ajis02-1923	75	3	jackson	jackson	PROPN
ajis02-1923	75	4	(	(	PUNCT
ajis02-1923	75	5	1995	1995	NUM
ajis02-1923	75	6	)	)	PUNCT
ajis02-1923	75	7	in	in	ADP
ajis02-1923	75	8	their	their	PRON
ajis02-1923	75	9	research	research	NOUN
ajis02-1923	75	10	provide	provide	VERB
ajis02-1923	75	11	evidence	evidence	NOUN
ajis02-1923	75	12	that	that	SCONJ
ajis02-1923	75	13	the	the	DET
ajis02-1923	75	14	processes	process	NOUN
ajis02-1923	75	15	of	of	ADP
ajis02-1923	75	16	a	a	DET
ajis02-1923	75	17	service	service	NOUN
ajis02-1923	75	18	delivery	delivery	NOUN
ajis02-1923	75	19	system	system	NOUN
ajis02-1923	75	20	have	have	AUX
ajis02-1923	75	21	a	a	DET
ajis02-1923	75	22	more	more	ADV
ajis02-1923	75	23	significant	significant	ADJ
ajis02-1923	75	24	impact	impact	NOUN
ajis02-1923	75	25	on	on	ADP
ajis02-1923	75	26	service	service	NOUN
ajis02-1923	75	27	quality	quality	NOUN
ajis02-1923	75	28	than	than	ADP
ajis02-1923	75	29	people	people	NOUN
ajis02-1923	75	30	capabilities	capability	NOUN
ajis02-1923	75	31	.	.	PUNCT
ajis02-1923	76	1	people	people	NOUN
ajis02-1923	76	2	capabilities	capability	NOUN
ajis02-1923	76	3	represent	represent	VERB
ajis02-1923	76	4	the	the	DET
ajis02-1923	76	5	stock	stock	NOUN
ajis02-1923	76	6	of	of	ADP
ajis02-1923	76	7	individual	individual	ADJ
ajis02-1923	76	8	knowledge	knowledge	NOUN
ajis02-1923	76	9	and	and	CCONJ
ajis02-1923	76	10	skills	skill	NOUN
ajis02-1923	76	11	possessed	possess	VERB
ajis02-1923	76	12	by	by	ADP
ajis02-1923	76	13	the	the	DET
ajis02-1923	76	14	employees	employee	NOUN
ajis02-1923	76	15	who	who	PRON
ajis02-1923	76	16	interact	interact	VERB
ajis02-1923	76	17	with	with	ADP
ajis02-1923	76	18	the	the	DET
ajis02-1923	76	19	customers	customer	NOUN
ajis02-1923	76	20	(	(	PUNCT
ajis02-1923	76	21	roth	roth	PROPN
ajis02-1923	76	22	&	&	CCONJ
ajis02-1923	76	23	jackson	jackson	PROPN
ajis02-1923	76	24	,	,	PUNCT
ajis02-1923	76	25	1995	1995	NUM
ajis02-1923	76	26	)	)	PUNCT
ajis02-1923	76	27	.	.	PUNCT
ajis02-1923	77	1	a	a	DET
ajis02-1923	77	2	study	study	NOUN
ajis02-1923	77	3	by	by	ADP
ajis02-1923	77	4	sachan	sachan	NOUN
ajis02-1923	77	5	,	,	PUNCT
ajis02-1923	77	6	kumar	kumar	PROPN
ajis02-1923	77	7	and	and	CCONJ
ajis02-1923	77	8	kumar	kumar	PROPN
ajis02-1923	77	9	(	(	PUNCT
ajis02-1923	77	10	2018	2018	NUM
ajis02-1923	77	11	)	)	PUNCT
ajis02-1923	77	12	in	in	ADP
ajis02-1923	77	13	the	the	DET
ajis02-1923	77	14	e	e	NOUN
ajis02-1923	77	15	-	-	NOUN
ajis02-1923	77	16	government	government	ADJ
ajis02-1923	77	17	context	context	NOUN
ajis02-1923	77	18	shows	show	VERB
ajis02-1923	77	19	that	that	SCONJ
ajis02-1923	77	20	service	service	NOUN
ajis02-1923	77	21	delivery	delivery	NOUN
ajis02-1923	77	22	system	system	NOUN
ajis02-1923	77	23	process	process	NOUN
ajis02-1923	77	24	significantly	significantly	ADV
ajis02-1923	77	25	affects	affect	VERB
ajis02-1923	77	26	user	user	NOUN
ajis02-1923	77	27	satisfaction	satisfaction	NOUN
ajis02-1923	77	28	.	.	PUNCT
ajis02-1923	78	1	they	they	PRON
ajis02-1923	78	2	argue	argue	VERB
ajis02-1923	78	3	that	that	SCONJ
ajis02-1923	78	4	as	as	SCONJ
ajis02-1923	78	5	the	the	DET
ajis02-1923	78	6	service	service	NOUN
ajis02-1923	78	7	delivery	delivery	NOUN
ajis02-1923	78	8	system	system	NOUN
ajis02-1923	78	9	process	process	NOUN
ajis02-1923	78	10	improves	improve	VERB
ajis02-1923	78	11	,	,	PUNCT
ajis02-1923	78	12	it	it	PRON
ajis02-1923	78	13	allows	allow	VERB
ajis02-1923	78	14	the	the	DET
ajis02-1923	78	15	citizen	citizen	NOUN
ajis02-1923	78	16	to	to	PART
ajis02-1923	78	17	make	make	VERB
ajis02-1923	78	18	more	more	ADJ
ajis02-1923	78	19	decisions	decision	NOUN
ajis02-1923	78	20	and	and	CCONJ
ajis02-1923	78	21	choices	choice	NOUN
ajis02-1923	78	22	in	in	ADP
ajis02-1923	78	23	the	the	DET
ajis02-1923	78	24	way	way	NOUN
ajis02-1923	78	25	they	they	PRON
ajis02-1923	78	26	interact	interact	VERB
ajis02-1923	78	27	with	with	ADP
ajis02-1923	78	28	the	the	DET
ajis02-1923	78	29	bank	bank	NOUN
ajis02-1923	78	30	and	and	CCONJ
ajis02-1923	78	31	conduct	conduct	VERB
ajis02-1923	78	32	their	their	PRON
ajis02-1923	78	33	transactions	transaction	NOUN
ajis02-1923	78	34	and	and	CCONJ
ajis02-1923	78	35	related	related	ADJ
ajis02-1923	78	36	activities	activity	NOUN
ajis02-1923	78	37	.	.	PUNCT
ajis02-1923	79	1	in	in	ADP
ajis02-1923	79	2	an	an	DET
ajis02-1923	79	3	internet	internet	NOUN
ajis02-1923	79	4	banking	banking	NOUN
ajis02-1923	79	5	environment	environment	NOUN
ajis02-1923	79	6	,	,	PUNCT
ajis02-1923	79	7	the	the	DET
ajis02-1923	79	8	main	main	ADJ
ajis02-1923	79	9	channel	channel	NOUN
ajis02-1923	79	10	of	of	ADP
ajis02-1923	79	11	service	service	NOUN
ajis02-1923	79	12	delivery	delivery	NOUN
ajis02-1923	79	13	is	be	AUX
ajis02-1923	79	14	the	the	DET
ajis02-1923	79	15	bank	bank	NOUN
ajis02-1923	79	16	’s	’s	PART
ajis02-1923	79	17	website	website	NOUN
ajis02-1923	79	18	.	.	PUNCT
ajis02-1923	80	1	therefore	therefore	ADV
ajis02-1923	80	2	,	,	PUNCT
ajis02-1923	80	3	australasian	australasian	ADJ
ajis02-1923	80	4	journal	journal	NOUN
ajis02-1923	80	5	of	of	ADP
ajis02-1923	80	6	information	information	NOUN
ajis02-1923	80	7	systems	system	NOUN
ajis02-1923	80	8	kumar	kumar	PROPN
ajis02-1923	80	9	,	,	PUNCT
ajis02-1923	80	10	sachan	sachan	PROPN
ajis02-1923	80	11	&	&	CCONJ
ajis02-1923	80	12	kumar	kumar	PROPN
ajis02-1923	80	13	2020	2020	PROPN
ajis02-1923	80	14	,	,	PUNCT
ajis02-1923	80	15	vol	vol	NOUN
ajis02-1923	80	16	24	24	NUM
ajis02-1923	80	17	,	,	PUNCT
ajis02-1923	80	18	research	research	NOUN
ajis02-1923	80	19	article	article	NOUN
ajis02-1923	80	20	service	service	NOUN
ajis02-1923	80	21	delivery	delivery	NOUN
ajis02-1923	80	22	and	and	CCONJ
ajis02-1923	80	23	perceived	perceive	VERB
ajis02-1923	80	24	value	value	NOUN
ajis02-1923	80	25	in	in	ADP
ajis02-1923	80	26	internet	internet	NOUN
ajis02-1923	80	27	banking	banking	NOUN
ajis02-1923	80	28	adoption	adoption	NOUN
ajis02-1923	80	29	5	5	NUM
ajis02-1923	80	30	we	we	PRON
ajis02-1923	80	31	focus	focus	VERB
ajis02-1923	80	32	on	on	ADP
ajis02-1923	80	33	ibsds	ibsds	NOUN
ajis02-1923	80	34	from	from	ADP
ajis02-1923	80	35	the	the	DET
ajis02-1923	80	36	web	web	NOUN
ajis02-1923	80	37	process	process	NOUN
ajis02-1923	80	38	point	point	NOUN
ajis02-1923	80	39	of	of	ADP
ajis02-1923	80	40	view	view	NOUN
ajis02-1923	80	41	.	.	PUNCT
ajis02-1923	81	1	although	although	SCONJ
ajis02-1923	81	2	the	the	DET
ajis02-1923	81	3	online	online	ADJ
ajis02-1923	81	4	service	service	NOUN
ajis02-1923	81	5	delivery	delivery	NOUN
ajis02-1923	81	6	system	system	NOUN
ajis02-1923	81	7	process	process	NOUN
ajis02-1923	81	8	in	in	ADP
ajis02-1923	81	9	the	the	DET
ajis02-1923	81	10	banking	banking	NOUN
ajis02-1923	81	11	environment	environment	NOUN
ajis02-1923	81	12	is	be	AUX
ajis02-1923	81	13	of	of	ADP
ajis02-1923	81	14	crucial	crucial	ADJ
ajis02-1923	81	15	importance	importance	NOUN
ajis02-1923	81	16	,	,	PUNCT
ajis02-1923	81	17	previous	previous	ADJ
ajis02-1923	81	18	studies	study	NOUN
ajis02-1923	81	19	have	have	AUX
ajis02-1923	81	20	omitted	omit	VERB
ajis02-1923	81	21	using	use	VERB
ajis02-1923	81	22	it	it	PRON
ajis02-1923	81	23	as	as	ADP
ajis02-1923	81	24	a	a	DET
ajis02-1923	81	25	variable	variable	NOUN
ajis02-1923	81	26	;	;	PUNCT
ajis02-1923	81	27	hence	hence	ADV
ajis02-1923	81	28	,	,	PUNCT
ajis02-1923	81	29	it	it	PRON
ajis02-1923	81	30	is	be	AUX
ajis02-1923	81	31	necessary	necessary	ADJ
ajis02-1923	81	32	to	to	PART
ajis02-1923	81	33	understand	understand	VERB
ajis02-1923	81	34	its	its	PRON
ajis02-1923	81	35	role	role	NOUN
ajis02-1923	81	36	in	in	ADP
ajis02-1923	81	37	internet	internet	NOUN
ajis02-1923	81	38	banking	banking	NOUN
ajis02-1923	81	39	behaviour	behaviour	NOUN
ajis02-1923	81	40	.	.	PUNCT
ajis02-1923	82	1	2.2	2.2	NUM
ajis02-1923	82	2	customer	customer	NOUN
ajis02-1923	82	3	satisfaction	satisfaction	NOUN
ajis02-1923	82	4	customer	customer	NOUN
ajis02-1923	82	5	satisfaction	satisfaction	NOUN
ajis02-1923	82	6	refers	refer	VERB
ajis02-1923	82	7	to	to	ADP
ajis02-1923	82	8	the	the	DET
ajis02-1923	82	9	overall	overall	ADJ
ajis02-1923	82	10	positive	positive	ADJ
ajis02-1923	82	11	or	or	CCONJ
ajis02-1923	82	12	negative	negative	ADJ
ajis02-1923	82	13	feeling	feeling	NOUN
ajis02-1923	82	14	about	about	ADP
ajis02-1923	82	15	the	the	DET
ajis02-1923	82	16	net	net	ADJ
ajis02-1923	82	17	value	value	NOUN
ajis02-1923	82	18	of	of	ADP
ajis02-1923	82	19	services	service	NOUN
ajis02-1923	82	20	received	receive	VERB
ajis02-1923	82	21	from	from	ADP
ajis02-1923	82	22	a	a	DET
ajis02-1923	82	23	supplier	supplier	NOUN
ajis02-1923	82	24	(	(	PUNCT
ajis02-1923	82	25	woodruff	woodruff	PROPN
ajis02-1923	82	26	,	,	PUNCT
ajis02-1923	82	27	1997	1997	NUM
ajis02-1923	82	28	)	)	PUNCT
ajis02-1923	82	29	.	.	PUNCT
ajis02-1923	83	1	customer	customer	NOUN
ajis02-1923	83	2	satisfaction	satisfaction	NOUN
ajis02-1923	83	3	has	have	AUX
ajis02-1923	83	4	been	be	AUX
ajis02-1923	83	5	consistently	consistently	ADV
ajis02-1923	83	6	used	use	VERB
ajis02-1923	83	7	over	over	ADP
ajis02-1923	83	8	the	the	DET
ajis02-1923	83	9	time	time	NOUN
ajis02-1923	83	10	in	in	ADP
ajis02-1923	83	11	literature	literature	NOUN
ajis02-1923	83	12	and	and	CCONJ
ajis02-1923	83	13	conceptualized	conceptualize	VERB
ajis02-1923	83	14	as	as	ADP
ajis02-1923	83	15	an	an	DET
ajis02-1923	83	16	evaluation	evaluation	NOUN
ajis02-1923	83	17	of	of	ADP
ajis02-1923	83	18	emotion	emotion	NOUN
ajis02-1923	83	19	(	(	PUNCT
ajis02-1923	83	20	chang	chang	PROPN
ajis02-1923	83	21	et	et	PROPN
ajis02-1923	83	22	al	al	PROPN
ajis02-1923	83	23	.	.	PROPN
ajis02-1923	83	24	,	,	PUNCT
ajis02-1923	83	25	2009	2009	NUM
ajis02-1923	83	26	;	;	PUNCT
ajis02-1923	83	27	hunt	hunt	NOUN
ajis02-1923	83	28	,	,	PUNCT
ajis02-1923	83	29	1977	1977	NUM
ajis02-1923	83	30	)	)	PUNCT
ajis02-1923	83	31	.	.	PUNCT
ajis02-1923	84	1	it	it	PRON
ajis02-1923	84	2	is	be	AUX
ajis02-1923	84	3	today	today	NOUN
ajis02-1923	84	4	the	the	DET
ajis02-1923	84	5	primary	primary	ADJ
ajis02-1923	84	6	goal	goal	NOUN
ajis02-1923	84	7	for	for	ADP
ajis02-1923	84	8	most	most	ADJ
ajis02-1923	84	9	service	service	NOUN
ajis02-1923	84	10	firms	firm	NOUN
ajis02-1923	84	11	(	(	PUNCT
ajis02-1923	84	12	jones	jones	PROPN
ajis02-1923	84	13	&	&	CCONJ
ajis02-1923	84	14	sasser	sasser	PROPN
ajis02-1923	84	15	,	,	PUNCT
ajis02-1923	84	16	1995	1995	NUM
ajis02-1923	84	17	;	;	PUNCT
ajis02-1923	84	18	mcdougall	mcdougall	PROPN
ajis02-1923	84	19	&	&	CCONJ
ajis02-1923	84	20	levesque	levesque	PROPN
ajis02-1923	84	21	,	,	PUNCT
ajis02-1923	84	22	2000	2000	NUM
ajis02-1923	84	23	)	)	PUNCT
ajis02-1923	84	24	.	.	PUNCT
ajis02-1923	85	1	improved	improve	VERB
ajis02-1923	85	2	profits	profit	NOUN
ajis02-1923	85	3	,	,	PUNCT
ajis02-1923	85	4	lower	low	ADJ
ajis02-1923	85	5	marketing	marketing	NOUN
ajis02-1923	85	6	expenditures	expenditure	NOUN
ajis02-1923	85	7	,	,	PUNCT
ajis02-1923	85	8	and	and	CCONJ
ajis02-1923	85	9	positive	positive	ADJ
ajis02-1923	85	10	word	word	NOUN
ajis02-1923	85	11	-	-	PUNCT
ajis02-1923	85	12	of	of	ADP
ajis02-1923	85	13	-	-	PUNCT
ajis02-1923	85	14	mouth	mouth	NOUN
ajis02-1923	85	15	are	be	AUX
ajis02-1923	85	16	the	the	DET
ajis02-1923	85	17	outcomes	outcome	NOUN
ajis02-1923	85	18	of	of	ADP
ajis02-1923	85	19	increasing	increase	VERB
ajis02-1923	85	20	consumer	consumer	NOUN
ajis02-1923	85	21	satisfaction	satisfaction	NOUN
ajis02-1923	85	22	and	and	CCONJ
ajis02-1923	85	23	retention	retention	NOUN
ajis02-1923	85	24	(	(	PUNCT
ajis02-1923	85	25	heskett	heskett	ADJ
ajis02-1923	85	26	,	,	PUNCT
ajis02-1923	85	27	jones	jones	PROPN
ajis02-1923	85	28	,	,	PUNCT
ajis02-1923	85	29	loveman	loveman	NOUN
ajis02-1923	85	30	,	,	PUNCT
ajis02-1923	85	31	sasser	sasser	PROPN
ajis02-1923	85	32	,	,	PUNCT
ajis02-1923	85	33	&	&	CCONJ
ajis02-1923	85	34	schlesinger	schlesinger	PROPN
ajis02-1923	85	35	,	,	PUNCT
ajis02-1923	85	36	1994	1994	NUM
ajis02-1923	85	37	;	;	PUNCT
ajis02-1923	85	38	mcdougall	mcdougall	PROPN
ajis02-1923	85	39	&	&	CCONJ
ajis02-1923	85	40	levesque	levesque	PROPN
ajis02-1923	85	41	,	,	PUNCT
ajis02-1923	85	42	2000	2000	NUM
ajis02-1923	85	43	)	)	PUNCT
ajis02-1923	85	44	.	.	PUNCT
ajis02-1923	86	1	a	a	DET
ajis02-1923	86	2	dissatisfied	dissatisfied	ADJ
ajis02-1923	86	3	customer	customer	NOUN
ajis02-1923	86	4	is	be	AUX
ajis02-1923	86	5	more	more	ADV
ajis02-1923	86	6	likely	likely	ADJ
ajis02-1923	86	7	to	to	PART
ajis02-1923	86	8	search	search	VERB
ajis02-1923	86	9	for	for	ADP
ajis02-1923	86	10	information	information	NOUN
ajis02-1923	86	11	on	on	ADP
ajis02-1923	86	12	alternatives	alternative	NOUN
ajis02-1923	86	13	and	and	CCONJ
ajis02-1923	86	14	yield	yield	NOUN
ajis02-1923	86	15	to	to	ADP
ajis02-1923	86	16	competitor	competitor	NOUN
ajis02-1923	86	17	overtures	overture	NOUN
ajis02-1923	86	18	than	than	ADP
ajis02-1923	86	19	a	a	DET
ajis02-1923	86	20	satisfied	satisfied	ADJ
ajis02-1923	86	21	one	one	NOUN
ajis02-1923	86	22	(	(	PUNCT
ajis02-1923	86	23	anderson	anderson	PROPN
ajis02-1923	86	24	&	&	CCONJ
ajis02-1923	86	25	srinivasan	srinivasan	PROPN
ajis02-1923	86	26	,	,	PUNCT
ajis02-1923	86	27	2003	2003	NUM
ajis02-1923	86	28	)	)	PUNCT
ajis02-1923	86	29	.	.	PUNCT
ajis02-1923	87	1	anderson	anderson	PROPN
ajis02-1923	87	2	and	and	CCONJ
ajis02-1923	87	3	srinivasan	srinivasan	PROPN
ajis02-1923	87	4	(	(	PUNCT
ajis02-1923	87	5	2003	2003	NUM
ajis02-1923	87	6	)	)	PUNCT
ajis02-1923	87	7	argue	argue	VERB
ajis02-1923	87	8	that	that	SCONJ
ajis02-1923	87	9	“	"	PUNCT
ajis02-1923	87	10	a	a	DET
ajis02-1923	87	11	dissatisfied	dissatisfied	ADJ
ajis02-1923	87	12	customer	customer	NOUN
ajis02-1923	87	13	is	be	AUX
ajis02-1923	87	14	more	more	ADV
ajis02-1923	87	15	likely	likely	ADJ
ajis02-1923	87	16	to	to	PART
ajis02-1923	87	17	resist	resist	VERB
ajis02-1923	87	18	attempts	attempt	NOUN
ajis02-1923	87	19	by	by	ADP
ajis02-1923	87	20	his	his	PRON
ajis02-1923	87	21	or	or	CCONJ
ajis02-1923	87	22	her	her	PRON
ajis02-1923	87	23	current	current	ADJ
ajis02-1923	87	24	retailer	retailer	NOUN
ajis02-1923	87	25	to	to	PART
ajis02-1923	87	26	develop	develop	VERB
ajis02-1923	87	27	a	a	DET
ajis02-1923	87	28	closer	close	ADJ
ajis02-1923	87	29	relationship	relationship	NOUN
ajis02-1923	87	30	and	and	CCONJ
ajis02-1923	87	31	more	more	ADV
ajis02-1923	87	32	likely	likely	ADJ
ajis02-1923	87	33	to	to	PART
ajis02-1923	87	34	take	take	VERB
ajis02-1923	87	35	steps	step	NOUN
ajis02-1923	87	36	to	to	PART
ajis02-1923	87	37	reduce	reduce	VERB
ajis02-1923	87	38	dependence	dependence	NOUN
ajis02-1923	87	39	on	on	ADP
ajis02-1923	87	40	that	that	DET
ajis02-1923	87	41	retailer	retailer	NOUN
ajis02-1923	87	42	.	.	PUNCT
ajis02-1923	87	43	”	"	PUNCT
ajis02-1923	88	1	meuter	meuter	PROPN
ajis02-1923	88	2	et	et	PROPN
ajis02-1923	88	3	al	al	PROPN
ajis02-1923	88	4	.	.	PROPN
ajis02-1923	89	1	(	(	PUNCT
ajis02-1923	89	2	2000	2000	NUM
ajis02-1923	89	3	)	)	PUNCT
ajis02-1923	89	4	find	find	VERB
ajis02-1923	89	5	that	that	DET
ajis02-1923	89	6	process	process	NOUN
ajis02-1923	89	7	failure	failure	NOUN
ajis02-1923	89	8	and	and	CCONJ
ajis02-1923	89	9	poor	poor	ADJ
ajis02-1923	89	10	process	process	NOUN
ajis02-1923	89	11	design	design	NOUN
ajis02-1923	89	12	are	be	AUX
ajis02-1923	89	13	two	two	NUM
ajis02-1923	89	14	major	major	ADJ
ajis02-1923	89	15	factors	factor	NOUN
ajis02-1923	89	16	that	that	PRON
ajis02-1923	89	17	lead	lead	VERB
ajis02-1923	89	18	to	to	ADP
ajis02-1923	89	19	customer	customer	NOUN
ajis02-1923	89	20	dissatisfaction	dissatisfaction	NOUN
ajis02-1923	89	21	in	in	ADP
ajis02-1923	89	22	a	a	DET
ajis02-1923	89	23	technology	technology	NOUN
ajis02-1923	89	24	-	-	PUNCT
ajis02-1923	89	25	based	base	VERB
ajis02-1923	89	26	service	service	NOUN
ajis02-1923	89	27	setting	setting	NOUN
ajis02-1923	89	28	.	.	PUNCT
ajis02-1923	90	1	2.3	2.3	NUM
ajis02-1923	90	2	behavioural	behavioural	ADJ
ajis02-1923	90	3	intention	intention	NOUN
ajis02-1923	90	4	behavioural	behavioural	ADJ
ajis02-1923	90	5	intention	intention	NOUN
ajis02-1923	90	6	measures	measure	VERB
ajis02-1923	90	7	the	the	DET
ajis02-1923	90	8	future	future	ADJ
ajis02-1923	90	9	propensity	propensity	NOUN
ajis02-1923	90	10	of	of	ADP
ajis02-1923	90	11	a	a	DET
ajis02-1923	90	12	customer	customer	NOUN
ajis02-1923	90	13	to	to	PART
ajis02-1923	90	14	access	access	VERB
ajis02-1923	90	15	a	a	DET
ajis02-1923	90	16	banking	banking	NOUN
ajis02-1923	90	17	website	website	NOUN
ajis02-1923	90	18	(	(	PUNCT
ajis02-1923	90	19	chang	chang	PROPN
ajis02-1923	90	20	et	et	PROPN
ajis02-1923	90	21	al	al	PROPN
ajis02-1923	90	22	.	.	PROPN
ajis02-1923	90	23	,	,	PUNCT
ajis02-1923	90	24	2009	2009	NUM
ajis02-1923	90	25	)	)	PUNCT
ajis02-1923	90	26	.	.	PUNCT
ajis02-1923	91	1	consumers	consumer	NOUN
ajis02-1923	91	2	and	and	CCONJ
ajis02-1923	91	3	organizations	organization	NOUN
ajis02-1923	91	4	engage	engage	VERB
ajis02-1923	91	5	in	in	ADP
ajis02-1923	91	6	behaviours	behaviour	NOUN
ajis02-1923	91	7	that	that	PRON
ajis02-1923	91	8	build	build	VERB
ajis02-1923	91	9	relationships	relationship	NOUN
ajis02-1923	91	10	before	before	ADV
ajis02-1923	91	11	,	,	PUNCT
ajis02-1923	91	12	during	during	ADP
ajis02-1923	91	13	and	and	CCONJ
ajis02-1923	91	14	after	after	ADP
ajis02-1923	91	15	the	the	DET
ajis02-1923	91	16	service	service	NOUN
ajis02-1923	91	17	encounters	encounter	NOUN
ajis02-1923	91	18	(	(	PUNCT
ajis02-1923	91	19	chang	chang	PROPN
ajis02-1923	91	20	&	&	CCONJ
ajis02-1923	91	21	polonsky	polonsky	PROPN
ajis02-1923	91	22	,	,	PUNCT
ajis02-1923	91	23	2012	2012	NUM
ajis02-1923	91	24	)	)	PUNCT
ajis02-1923	91	25	.	.	PUNCT
ajis02-1923	92	1	such	such	ADJ
ajis02-1923	92	2	relationships	relationship	NOUN
ajis02-1923	92	3	are	be	AUX
ajis02-1923	92	4	important	important	ADJ
ajis02-1923	92	5	for	for	ADP
ajis02-1923	92	6	repeat	repeat	NOUN
ajis02-1923	92	7	consumption	consumption	NOUN
ajis02-1923	92	8	(	(	PUNCT
ajis02-1923	92	9	chang	chang	PROPN
ajis02-1923	92	10	&	&	CCONJ
ajis02-1923	92	11	polonsky	polonsky	PROPN
ajis02-1923	92	12	,	,	PUNCT
ajis02-1923	92	13	2012	2012	NUM
ajis02-1923	92	14	)	)	PUNCT
ajis02-1923	92	15	.	.	PUNCT
ajis02-1923	93	1	service	service	NOUN
ajis02-1923	93	2	marketers	marketer	NOUN
ajis02-1923	93	3	often	often	ADV
ajis02-1923	93	4	focus	focus	VERB
ajis02-1923	93	5	on	on	ADP
ajis02-1923	93	6	activities	activity	NOUN
ajis02-1923	93	7	that	that	PRON
ajis02-1923	93	8	have	have	VERB
ajis02-1923	93	9	the	the	DET
ajis02-1923	93	10	potential	potential	NOUN
ajis02-1923	93	11	to	to	PART
ajis02-1923	93	12	build	build	VERB
ajis02-1923	93	13	long	long	ADJ
ajis02-1923	93	14	-	-	PUNCT
ajis02-1923	93	15	term	term	NOUN
ajis02-1923	93	16	relationships	relationship	NOUN
ajis02-1923	93	17	with	with	ADP
ajis02-1923	93	18	consumers	consumer	NOUN
ajis02-1923	93	19	(	(	PUNCT
ajis02-1923	93	20	youngdahl	youngdahl	PROPN
ajis02-1923	93	21	&	&	CCONJ
ajis02-1923	93	22	kellogg	kellogg	PROPN
ajis02-1923	93	23	,	,	PUNCT
ajis02-1923	93	24	1997	1997	NUM
ajis02-1923	93	25	)	)	PUNCT
ajis02-1923	93	26	.	.	PUNCT
ajis02-1923	94	1	a	a	DET
ajis02-1923	94	2	number	number	NOUN
ajis02-1923	94	3	of	of	ADP
ajis02-1923	94	4	studies	study	NOUN
ajis02-1923	94	5	have	have	AUX
ajis02-1923	94	6	included	include	VERB
ajis02-1923	94	7	behavioural	behavioural	ADJ
ajis02-1923	94	8	intention	intention	NOUN
ajis02-1923	94	9	as	as	ADP
ajis02-1923	94	10	an	an	DET
ajis02-1923	94	11	outcome	outcome	NOUN
ajis02-1923	94	12	in	in	ADP
ajis02-1923	94	13	service	service	NOUN
ajis02-1923	94	14	quality	quality	NOUN
ajis02-1923	94	15	models	model	NOUN
ajis02-1923	94	16	(	(	PUNCT
ajis02-1923	94	17	e.g.	e.g.	ADV
ajis02-1923	94	18	,	,	PUNCT
ajis02-1923	94	19	cronin	cronin	PROPN
ajis02-1923	94	20	,	,	PUNCT
ajis02-1923	94	21	brady	brady	PROPN
ajis02-1923	94	22	and	and	CCONJ
ajis02-1923	94	23	hult	hult	PROPN
ajis02-1923	94	24	,	,	PUNCT
ajis02-1923	94	25	2000	2000	NUM
ajis02-1923	94	26	;	;	PUNCT
ajis02-1923	94	27	chang	chang	PROPN
ajis02-1923	94	28	and	and	CCONJ
ajis02-1923	94	29	polonsky	polonsky	NOUN
ajis02-1923	94	30	,	,	PUNCT
ajis02-1923	94	31	2012	2012	NUM
ajis02-1923	94	32	;	;	PUNCT
ajis02-1923	94	33	bressolles	bressolle	NOUN
ajis02-1923	94	34	,	,	PUNCT
ajis02-1923	94	35	durrieu	durrieu	NOUN
ajis02-1923	94	36	and	and	CCONJ
ajis02-1923	94	37	deans	dean	NOUN
ajis02-1923	94	38	,	,	PUNCT
ajis02-1923	94	39	2015	2015	NUM
ajis02-1923	94	40	)	)	PUNCT
ajis02-1923	94	41	.	.	PUNCT
ajis02-1923	95	1	2.4	2.4	NUM
ajis02-1923	95	2	customer	customer	NOUN
ajis02-1923	95	3	perceived	perceive	VERB
ajis02-1923	95	4	value	value	NOUN
ajis02-1923	95	5	perceived	perceive	VERB
ajis02-1923	95	6	value	value	NOUN
ajis02-1923	95	7	refers	refer	VERB
ajis02-1923	95	8	to	to	ADP
ajis02-1923	95	9	“	"	PUNCT
ajis02-1923	95	10	the	the	DET
ajis02-1923	95	11	consumers	consumer	NOUN
ajis02-1923	95	12	’	’	PART
ajis02-1923	95	13	overall	overall	ADJ
ajis02-1923	95	14	assessment	assessment	NOUN
ajis02-1923	95	15	of	of	ADP
ajis02-1923	95	16	the	the	DET
ajis02-1923	95	17	utility	utility	NOUN
ajis02-1923	95	18	of	of	ADP
ajis02-1923	95	19	a	a	DET
ajis02-1923	95	20	product	product	NOUN
ajis02-1923	95	21	based	base	VERB
ajis02-1923	95	22	on	on	ADP
ajis02-1923	95	23	perceptions	perception	NOUN
ajis02-1923	95	24	of	of	ADP
ajis02-1923	95	25	what	what	PRON
ajis02-1923	95	26	is	be	AUX
ajis02-1923	95	27	received	receive	VERB
ajis02-1923	95	28	and	and	CCONJ
ajis02-1923	95	29	what	what	PRON
ajis02-1923	95	30	is	be	AUX
ajis02-1923	95	31	given	give	VERB
ajis02-1923	95	32	”	"	PUNCT
ajis02-1923	95	33	(	(	PUNCT
ajis02-1923	95	34	valarie	valarie	PROPN
ajis02-1923	95	35	a	a	DET
ajis02-1923	95	36	zeithaml	zeithaml	PROPN
ajis02-1923	95	37	,	,	PUNCT
ajis02-1923	95	38	1988	1988	NUM
ajis02-1923	95	39	)	)	PUNCT
ajis02-1923	95	40	.	.	PUNCT
ajis02-1923	96	1	perceived	perceive	VERB
ajis02-1923	96	2	value	value	NOUN
ajis02-1923	96	3	has	have	AUX
ajis02-1923	96	4	attracted	attract	VERB
ajis02-1923	96	5	interest	interest	NOUN
ajis02-1923	96	6	in	in	ADP
ajis02-1923	96	7	the	the	DET
ajis02-1923	96	8	literature	literature	NOUN
ajis02-1923	96	9	because	because	SCONJ
ajis02-1923	96	10	it	it	PRON
ajis02-1923	96	11	is	be	AUX
ajis02-1923	96	12	seen	see	VERB
ajis02-1923	96	13	to	to	PART
ajis02-1923	96	14	be	be	AUX
ajis02-1923	96	15	a	a	DET
ajis02-1923	96	16	key	key	ADJ
ajis02-1923	96	17	predictor	predictor	NOUN
ajis02-1923	96	18	of	of	ADP
ajis02-1923	96	19	customer	customer	NOUN
ajis02-1923	96	20	satisfaction	satisfaction	NOUN
ajis02-1923	96	21	and	and	CCONJ
ajis02-1923	96	22	loyalty	loyalty	NOUN
ajis02-1923	96	23	(	(	PUNCT
ajis02-1923	96	24	bressolles	bressolle	NOUN
ajis02-1923	96	25	et	et	PROPN
ajis02-1923	96	26	al	al	PROPN
ajis02-1923	96	27	.	.	PROPN
ajis02-1923	96	28	,	,	PUNCT
ajis02-1923	96	29	2015	2015	NUM
ajis02-1923	96	30	;	;	PUNCT
ajis02-1923	96	31	chang	chang	PROPN
ajis02-1923	96	32	&	&	CCONJ
ajis02-1923	96	33	wang	wang	PROPN
ajis02-1923	96	34	,	,	PUNCT
ajis02-1923	96	35	2011	2011	NUM
ajis02-1923	96	36	;	;	PUNCT
ajis02-1923	96	37	mcdougall	mcdougall	PROPN
ajis02-1923	96	38	&	&	CCONJ
ajis02-1923	96	39	levesque	levesque	PROPN
ajis02-1923	96	40	,	,	PUNCT
ajis02-1923	96	41	2000	2000	NUM
ajis02-1923	96	42	;	;	PUNCT
ajis02-1923	96	43	wang	wang	PROPN
ajis02-1923	96	44	,	,	PUNCT
ajis02-1923	96	45	2014	2014	NUM
ajis02-1923	96	46	;	;	PUNCT
ajis02-1923	96	47	yang	yang	PROPN
ajis02-1923	96	48	&	&	CCONJ
ajis02-1923	96	49	peterson	peterson	PROPN
ajis02-1923	96	50	,	,	PUNCT
ajis02-1923	96	51	2004	2004	NUM
ajis02-1923	96	52	)	)	PUNCT
ajis02-1923	96	53	.	.	PUNCT
ajis02-1923	97	1	most	most	ADJ
ajis02-1923	97	2	studies	study	NOUN
ajis02-1923	97	3	have	have	AUX
ajis02-1923	97	4	examined	examine	VERB
ajis02-1923	97	5	customer	customer	NOUN
ajis02-1923	97	6	value	value	NOUN
ajis02-1923	97	7	in	in	ADP
ajis02-1923	97	8	the	the	DET
ajis02-1923	97	9	context	context	NOUN
ajis02-1923	97	10	of	of	ADP
ajis02-1923	97	11	offline	offline	NOUN
ajis02-1923	97	12	rather	rather	ADV
ajis02-1923	97	13	than	than	ADP
ajis02-1923	97	14	online	online	ADJ
ajis02-1923	97	15	consumer	consumer	NOUN
ajis02-1923	97	16	behaviour	behaviour	NOUN
ajis02-1923	97	17	(	(	PUNCT
ajis02-1923	97	18	bressolles	bressolle	VERB
ajis02-1923	97	19	et	et	PROPN
ajis02-1923	97	20	al	al	PROPN
ajis02-1923	97	21	.	.	PROPN
ajis02-1923	97	22	,	,	PUNCT
ajis02-1923	97	23	2015	2015	NUM
ajis02-1923	97	24	)	)	PUNCT
ajis02-1923	97	25	.	.	PUNCT
ajis02-1923	98	1	although	although	SCONJ
ajis02-1923	98	2	customer	customer	NOUN
ajis02-1923	98	3	value	value	NOUN
ajis02-1923	98	4	in	in	ADP
ajis02-1923	98	5	the	the	DET
ajis02-1923	98	6	internet	internet	NOUN
ajis02-1923	98	7	banking	banking	NOUN
ajis02-1923	98	8	environment	environment	NOUN
ajis02-1923	98	9	is	be	AUX
ajis02-1923	98	10	of	of	ADP
ajis02-1923	98	11	crucial	crucial	ADJ
ajis02-1923	98	12	importance	importance	NOUN
ajis02-1923	98	13	,	,	PUNCT
ajis02-1923	98	14	existing	exist	VERB
ajis02-1923	98	15	studies	study	NOUN
ajis02-1923	98	16	have	have	AUX
ajis02-1923	98	17	not	not	PART
ajis02-1923	98	18	given	give	VERB
ajis02-1923	98	19	it	it	PRON
ajis02-1923	98	20	attention	attention	NOUN
ajis02-1923	98	21	in	in	ADP
ajis02-1923	98	22	the	the	DET
ajis02-1923	98	23	internet	internet	NOUN
ajis02-1923	98	24	banking	banking	NOUN
ajis02-1923	98	25	context	context	NOUN
ajis02-1923	98	26	;	;	PUNCT
ajis02-1923	98	27	hence	hence	ADV
ajis02-1923	98	28	,	,	PUNCT
ajis02-1923	98	29	it	it	PRON
ajis02-1923	98	30	becomes	become	VERB
ajis02-1923	98	31	necessary	necessary	ADJ
ajis02-1923	98	32	to	to	PART
ajis02-1923	98	33	understand	understand	VERB
ajis02-1923	98	34	the	the	DET
ajis02-1923	98	35	role	role	NOUN
ajis02-1923	98	36	of	of	ADP
ajis02-1923	98	37	customer	customer	NOUN
ajis02-1923	98	38	perceived	perceive	VERB
ajis02-1923	98	39	value	value	NOUN
ajis02-1923	98	40	in	in	ADP
ajis02-1923	98	41	internet	internet	NOUN
ajis02-1923	98	42	banking	banking	NOUN
ajis02-1923	98	43	behaviour	behaviour	NOUN
ajis02-1923	98	44	.	.	PUNCT
ajis02-1923	99	1	2.5	2.5	NUM
ajis02-1923	99	2	proposed	propose	VERB
ajis02-1923	99	3	hypotheses	hypothesis	NOUN
ajis02-1923	99	4	2.5.1	2.5.1	NUM
ajis02-1923	99	5	ibsds	ibsds	NOUN
ajis02-1923	99	6	process	process	NOUN
ajis02-1923	99	7	and	and	CCONJ
ajis02-1923	99	8	customer	customer	NOUN
ajis02-1923	99	9	satisfaction	satisfaction	NOUN
ajis02-1923	99	10	the	the	DET
ajis02-1923	99	11	importance	importance	NOUN
ajis02-1923	99	12	of	of	ADP
ajis02-1923	99	13	service	service	NOUN
ajis02-1923	99	14	delivery	delivery	NOUN
ajis02-1923	99	15	process	process	NOUN
ajis02-1923	99	16	aspects	aspect	NOUN
ajis02-1923	99	17	and	and	CCONJ
ajis02-1923	99	18	outcome	outcome	NOUN
ajis02-1923	99	19	is	be	AUX
ajis02-1923	99	20	clearly	clearly	ADV
ajis02-1923	99	21	evident	evident	ADJ
ajis02-1923	99	22	in	in	ADP
ajis02-1923	99	23	the	the	DET
ajis02-1923	99	24	ongoing	ongoing	ADJ
ajis02-1923	99	25	scholarly	scholarly	ADJ
ajis02-1923	99	26	interest	interest	NOUN
ajis02-1923	99	27	devoted	devote	VERB
ajis02-1923	99	28	to	to	ADP
ajis02-1923	99	29	them	they	PRON
ajis02-1923	99	30	(	(	PUNCT
ajis02-1923	99	31	ba	ba	PROPN
ajis02-1923	99	32	&	&	CCONJ
ajis02-1923	99	33	johansson	johansson	PROPN
ajis02-1923	99	34	,	,	PUNCT
ajis02-1923	99	35	2008	2008	NUM
ajis02-1923	99	36	;	;	PUNCT
ajis02-1923	99	37	grönroos	grönroos	PROPN
ajis02-1923	99	38	,	,	PUNCT
ajis02-1923	99	39	1982	1982	NUM
ajis02-1923	99	40	;	;	PUNCT
ajis02-1923	99	41	luu	luu	PROPN
ajis02-1923	99	42	et	et	PROPN
ajis02-1923	99	43	al	al	PROPN
ajis02-1923	99	44	.	.	PROPN
ajis02-1923	99	45	,	,	PUNCT
ajis02-1923	99	46	2016	2016	NUM
ajis02-1923	99	47	;	;	PUNCT
ajis02-1923	99	48	sachan	sachan	VERB
ajis02-1923	99	49	et	et	PROPN
ajis02-1923	99	50	al	al	PROPN
ajis02-1923	99	51	.	.	PROPN
ajis02-1923	99	52	,	,	PUNCT
ajis02-1923	99	53	2018	2018	NUM
ajis02-1923	99	54	)	)	PUNCT
ajis02-1923	99	55	.	.	PUNCT
ajis02-1923	100	1	it	it	PRON
ajis02-1923	100	2	is	be	AUX
ajis02-1923	100	3	argued	argue	VERB
ajis02-1923	100	4	that	that	SCONJ
ajis02-1923	100	5	service	service	NOUN
ajis02-1923	100	6	process	process	NOUN
ajis02-1923	100	7	plays	play	VERB
ajis02-1923	100	8	a	a	DET
ajis02-1923	100	9	greater	great	ADJ
ajis02-1923	100	10	role	role	NOUN
ajis02-1923	100	11	in	in	ADP
ajis02-1923	100	12	determining	determine	VERB
ajis02-1923	100	13	australasian	australasian	ADJ
ajis02-1923	100	14	journal	journal	NOUN
ajis02-1923	100	15	of	of	ADP
ajis02-1923	100	16	information	information	NOUN
ajis02-1923	100	17	systems	system	NOUN
ajis02-1923	100	18	kumar	kumar	PROPN
ajis02-1923	100	19	,	,	PUNCT
ajis02-1923	100	20	sachan	sachan	PROPN
ajis02-1923	100	21	&	&	CCONJ
ajis02-1923	100	22	kumar	kumar	PROPN
ajis02-1923	100	23	2020	2020	PROPN
ajis02-1923	100	24	,	,	PUNCT
ajis02-1923	100	25	vol	vol	NOUN
ajis02-1923	100	26	24	24	NUM
ajis02-1923	100	27	,	,	PUNCT
ajis02-1923	100	28	research	research	NOUN
ajis02-1923	100	29	article	article	NOUN
ajis02-1923	100	30	service	service	NOUN
ajis02-1923	100	31	delivery	delivery	NOUN
ajis02-1923	100	32	and	and	CCONJ
ajis02-1923	100	33	perceived	perceive	VERB
ajis02-1923	100	34	value	value	NOUN
ajis02-1923	100	35	in	in	ADP
ajis02-1923	100	36	internet	internet	NOUN
ajis02-1923	100	37	banking	banking	NOUN
ajis02-1923	100	38	adoption	adoption	NOUN
ajis02-1923	100	39	6	6	NUM
ajis02-1923	100	40	the	the	DET
ajis02-1923	100	41	overall	overall	ADJ
ajis02-1923	100	42	customer	customer	NOUN
ajis02-1923	100	43	satisfaction	satisfaction	NOUN
ajis02-1923	100	44	.	.	PUNCT
ajis02-1923	101	1	studies	study	NOUN
ajis02-1923	101	2	(	(	PUNCT
ajis02-1923	101	3	e.g.	e.g.	ADV
ajis02-1923	101	4	,	,	PUNCT
ajis02-1923	101	5	danaher	danaher	PROPN
ajis02-1923	101	6	&	&	CCONJ
ajis02-1923	101	7	mattsson	mattsson	PROPN
ajis02-1923	101	8	,	,	PUNCT
ajis02-1923	101	9	1994	1994	NUM
ajis02-1923	101	10	;	;	PUNCT
ajis02-1923	101	11	luu	luu	PROPN
ajis02-1923	101	12	et	et	PROPN
ajis02-1923	101	13	al	al	PROPN
ajis02-1923	101	14	.	.	PROPN
ajis02-1923	101	15	,	,	PUNCT
ajis02-1923	101	16	2016	2016	NUM
ajis02-1923	101	17	)	)	PUNCT
ajis02-1923	101	18	highlight	highlight	VERB
ajis02-1923	101	19	that	that	SCONJ
ajis02-1923	101	20	customers	customer	NOUN
ajis02-1923	101	21	compare	compare	VERB
ajis02-1923	101	22	the	the	DET
ajis02-1923	101	23	time	time	NOUN
ajis02-1923	101	24	,	,	PUNCT
ajis02-1923	101	25	cost	cost	NOUN
ajis02-1923	101	26	and	and	CCONJ
ajis02-1923	101	27	effort	effort	NOUN
ajis02-1923	101	28	spent	spend	VERB
ajis02-1923	101	29	on	on	ADP
ajis02-1923	101	30	the	the	DET
ajis02-1923	101	31	service	service	NOUN
ajis02-1923	101	32	during	during	ADP
ajis02-1923	101	33	the	the	DET
ajis02-1923	101	34	service	service	NOUN
ajis02-1923	101	35	delivery	delivery	NOUN
ajis02-1923	101	36	process	process	NOUN
ajis02-1923	101	37	.	.	PUNCT
ajis02-1923	102	1	it	it	PRON
ajis02-1923	102	2	is	be	AUX
ajis02-1923	102	3	also	also	ADV
ajis02-1923	102	4	highlighted	highlight	VERB
ajis02-1923	102	5	that	that	SCONJ
ajis02-1923	102	6	positive	positive	ADJ
ajis02-1923	102	7	experiences	experience	NOUN
ajis02-1923	102	8	with	with	ADP
ajis02-1923	102	9	the	the	DET
ajis02-1923	102	10	service	service	NOUN
ajis02-1923	102	11	delivery	delivery	NOUN
ajis02-1923	102	12	process	process	NOUN
ajis02-1923	102	13	enhance	enhance	VERB
ajis02-1923	102	14	the	the	DET
ajis02-1923	102	15	cognitive	cognitive	ADJ
ajis02-1923	102	16	strength	strength	NOUN
ajis02-1923	102	17	of	of	ADP
ajis02-1923	102	18	the	the	DET
ajis02-1923	102	19	relationship	relationship	NOUN
ajis02-1923	102	20	of	of	ADP
ajis02-1923	102	21	the	the	DET
ajis02-1923	102	22	customer	customer	NOUN
ajis02-1923	102	23	with	with	ADP
ajis02-1923	102	24	the	the	DET
ajis02-1923	102	25	service	service	NOUN
ajis02-1923	102	26	provider	provider	NOUN
ajis02-1923	102	27	(	(	PUNCT
ajis02-1923	102	28	luu	luu	PROPN
ajis02-1923	102	29	et	et	PROPN
ajis02-1923	102	30	al	al	PROPN
ajis02-1923	102	31	.	.	PROPN
ajis02-1923	102	32	,	,	PUNCT
ajis02-1923	102	33	2016	2016	NUM
ajis02-1923	102	34	)	)	PUNCT
ajis02-1923	102	35	.	.	PUNCT
ajis02-1923	103	1	ba	ba	NOUN
ajis02-1923	103	2	and	and	CCONJ
ajis02-1923	103	3	johansson	johansson	PROPN
ajis02-1923	103	4	(	(	PUNCT
ajis02-1923	103	5	2008	2008	NUM
ajis02-1923	103	6	)	)	PUNCT
ajis02-1923	103	7	state	state	NOUN
ajis02-1923	103	8	that	that	SCONJ
ajis02-1923	103	9	an	an	DET
ajis02-1923	103	10	improved	improved	ADJ
ajis02-1923	103	11	electronic	electronic	ADJ
ajis02-1923	103	12	service	service	NOUN
ajis02-1923	103	13	delivery	delivery	NOUN
ajis02-1923	103	14	system	system	NOUN
ajis02-1923	103	15	process	process	NOUN
ajis02-1923	103	16	allows	allow	VERB
ajis02-1923	103	17	the	the	DET
ajis02-1923	103	18	customer	customer	NOUN
ajis02-1923	103	19	to	to	PART
ajis02-1923	103	20	make	make	VERB
ajis02-1923	103	21	more	more	ADJ
ajis02-1923	103	22	decisions	decision	NOUN
ajis02-1923	103	23	and	and	CCONJ
ajis02-1923	103	24	choices	choice	NOUN
ajis02-1923	103	25	in	in	ADP
ajis02-1923	103	26	the	the	DET
ajis02-1923	103	27	service	service	NOUN
ajis02-1923	103	28	process	process	NOUN
ajis02-1923	103	29	,	,	PUNCT
ajis02-1923	103	30	which	which	PRON
ajis02-1923	103	31	leads	lead	VERB
ajis02-1923	103	32	to	to	ADP
ajis02-1923	103	33	increased	increase	VERB
ajis02-1923	103	34	web	web	NOUN
ajis02-1923	103	35	interactivity	interactivity	NOUN
ajis02-1923	103	36	.	.	PUNCT
ajis02-1923	104	1	they	they	PRON
ajis02-1923	104	2	also	also	ADV
ajis02-1923	104	3	find	find	VERB
ajis02-1923	104	4	that	that	SCONJ
ajis02-1923	104	5	the	the	DET
ajis02-1923	104	6	electronic	electronic	ADJ
ajis02-1923	104	7	service	service	NOUN
ajis02-1923	104	8	delivery	delivery	NOUN
ajis02-1923	104	9	system	system	NOUN
ajis02-1923	104	10	process	process	NOUN
ajis02-1923	104	11	has	have	VERB
ajis02-1923	104	12	a	a	DET
ajis02-1923	104	13	positive	positive	ADJ
ajis02-1923	104	14	influence	influence	NOUN
ajis02-1923	104	15	on	on	ADP
ajis02-1923	104	16	customer	customer	NOUN
ajis02-1923	104	17	satisfaction	satisfaction	NOUN
ajis02-1923	104	18	.	.	PUNCT
ajis02-1923	105	1	the	the	DET
ajis02-1923	105	2	above	above	ADJ
ajis02-1923	105	3	arguments	argument	NOUN
ajis02-1923	105	4	lead	lead	VERB
ajis02-1923	105	5	us	we	PRON
ajis02-1923	105	6	to	to	PART
ajis02-1923	105	7	think	think	VERB
ajis02-1923	105	8	that	that	SCONJ
ajis02-1923	105	9	it	it	PRON
ajis02-1923	105	10	is	be	AUX
ajis02-1923	105	11	possible	possible	ADJ
ajis02-1923	105	12	that	that	SCONJ
ajis02-1923	105	13	technology	technology	NOUN
ajis02-1923	105	14	and	and	CCONJ
ajis02-1923	105	15	the	the	DET
ajis02-1923	105	16	banking	banking	NOUN
ajis02-1923	105	17	processes	process	NOUN
ajis02-1923	105	18	embedded	embed	VERB
ajis02-1923	105	19	in	in	ADP
ajis02-1923	105	20	the	the	DET
ajis02-1923	105	21	ibsds	ibsds	NOUN
ajis02-1923	105	22	may	may	AUX
ajis02-1923	105	23	have	have	VERB
ajis02-1923	105	24	a	a	DET
ajis02-1923	105	25	significant	significant	ADJ
ajis02-1923	105	26	impact	impact	NOUN
ajis02-1923	105	27	on	on	ADP
ajis02-1923	105	28	the	the	DET
ajis02-1923	105	29	adoption	adoption	NOUN
ajis02-1923	105	30	of	of	ADP
ajis02-1923	105	31	internet	internet	NOUN
ajis02-1923	105	32	banking	banking	NOUN
ajis02-1923	105	33	services	service	NOUN
ajis02-1923	105	34	.	.	PUNCT
ajis02-1923	106	1	sachan	sachan	PROPN
ajis02-1923	106	2	,	,	PUNCT
ajis02-1923	106	3	kumar	kumar	PROPN
ajis02-1923	106	4	and	and	CCONJ
ajis02-1923	106	5	kumar	kumar	PROPN
ajis02-1923	106	6	(	(	PUNCT
ajis02-1923	106	7	2018	2018	NUM
ajis02-1923	106	8	)	)	PUNCT
ajis02-1923	106	9	add	add	VERB
ajis02-1923	106	10	service	service	NOUN
ajis02-1923	106	11	delivery	delivery	NOUN
ajis02-1923	106	12	system	system	NOUN
ajis02-1923	106	13	process	process	NOUN
ajis02-1923	106	14	as	as	ADP
ajis02-1923	106	15	a	a	DET
ajis02-1923	106	16	construct	construct	NOUN
ajis02-1923	106	17	in	in	ADP
ajis02-1923	106	18	their	their	PRON
ajis02-1923	106	19	adoption	adoption	NOUN
ajis02-1923	106	20	model	model	NOUN
ajis02-1923	106	21	in	in	ADP
ajis02-1923	106	22	the	the	DET
ajis02-1923	106	23	e	e	NOUN
ajis02-1923	106	24	-	-	NOUN
ajis02-1923	106	25	government	government	ADJ
ajis02-1923	106	26	context	context	NOUN
ajis02-1923	106	27	and	and	CCONJ
ajis02-1923	106	28	illustrate	illustrate	VERB
ajis02-1923	106	29	that	that	SCONJ
ajis02-1923	106	30	it	it	PRON
ajis02-1923	106	31	is	be	AUX
ajis02-1923	106	32	one	one	NUM
ajis02-1923	106	33	of	of	ADP
ajis02-1923	106	34	the	the	DET
ajis02-1923	106	35	service	service	NOUN
ajis02-1923	106	36	dimensions	dimension	NOUN
ajis02-1923	106	37	factored	factor	VERB
ajis02-1923	106	38	into	into	ADP
ajis02-1923	106	39	the	the	DET
ajis02-1923	106	40	consumer	consumer	NOUN
ajis02-1923	106	41	’s	’s	PART
ajis02-1923	106	42	satisfaction	satisfaction	NOUN
ajis02-1923	106	43	judgment	judgment	NOUN
ajis02-1923	106	44	.	.	PUNCT
ajis02-1923	107	1	luu	luu	PROPN
ajis02-1923	107	2	et	et	PROPN
ajis02-1923	107	3	al	al	PROPN
ajis02-1923	107	4	.	.	PROPN
ajis02-1923	108	1	(	(	PUNCT
ajis02-1923	108	2	2016	2016	NUM
ajis02-1923	108	3	)	)	PUNCT
ajis02-1923	108	4	illustrate	illustrate	VERB
ajis02-1923	108	5	that	that	SCONJ
ajis02-1923	108	6	a	a	DET
ajis02-1923	108	7	customer	customer	NOUN
ajis02-1923	108	8	relationship	relationship	NOUN
ajis02-1923	108	9	can	can	AUX
ajis02-1923	108	10	be	be	AUX
ajis02-1923	108	11	affectively	affectively	ADV
ajis02-1923	108	12	strengthened	strengthen	VERB
ajis02-1923	108	13	through	through	ADP
ajis02-1923	108	14	positive	positive	ADJ
ajis02-1923	108	15	experiences	experience	NOUN
ajis02-1923	108	16	and	and	CCONJ
ajis02-1923	108	17	interactions	interaction	NOUN
ajis02-1923	108	18	during	during	ADP
ajis02-1923	108	19	a	a	DET
ajis02-1923	108	20	service	service	NOUN
ajis02-1923	108	21	process	process	NOUN
ajis02-1923	108	22	.	.	PUNCT
ajis02-1923	109	1	these	these	DET
ajis02-1923	109	2	arguments	argument	NOUN
ajis02-1923	109	3	suggest	suggest	VERB
ajis02-1923	109	4	that	that	SCONJ
ajis02-1923	109	5	ibsds	ibsds	NOUN
ajis02-1923	109	6	process	process	NOUN
ajis02-1923	109	7	is	be	AUX
ajis02-1923	109	8	likely	likely	ADJ
ajis02-1923	109	9	to	to	PART
ajis02-1923	109	10	affect	affect	VERB
ajis02-1923	109	11	customer	customer	NOUN
ajis02-1923	109	12	satisfaction	satisfaction	NOUN
ajis02-1923	109	13	,	,	PUNCT
ajis02-1923	109	14	and	and	CCONJ
ajis02-1923	109	15	in	in	ADP
ajis02-1923	109	16	turn	turn	NOUN
ajis02-1923	109	17	,	,	PUNCT
ajis02-1923	109	18	serve	serve	VERB
ajis02-1923	109	19	as	as	ADP
ajis02-1923	109	20	a	a	DET
ajis02-1923	109	21	better	well	ADJ
ajis02-1923	109	22	predictor	predictor	NOUN
ajis02-1923	109	23	of	of	ADP
ajis02-1923	109	24	their	their	PRON
ajis02-1923	109	25	behavioural	behavioural	ADJ
ajis02-1923	109	26	intention	intention	NOUN
ajis02-1923	109	27	.	.	PUNCT
ajis02-1923	110	1	this	this	PRON
ajis02-1923	110	2	leads	lead	VERB
ajis02-1923	110	3	us	we	PRON
ajis02-1923	110	4	to	to	PART
ajis02-1923	110	5	formulate	formulate	VERB
ajis02-1923	110	6	the	the	DET
ajis02-1923	110	7	first	first	ADJ
ajis02-1923	110	8	research	research	NOUN
ajis02-1923	110	9	hypothesis	hypothesis	NOUN
ajis02-1923	110	10	:	:	PUNCT
ajis02-1923	110	11	h1	h1	PROPN
ajis02-1923	110	12	:	:	PUNCT
ajis02-1923	110	13	the	the	DET
ajis02-1923	110	14	ibsds	ibsds	NOUN
ajis02-1923	110	15	process	process	NOUN
ajis02-1923	110	16	is	be	AUX
ajis02-1923	110	17	positively	positively	ADV
ajis02-1923	110	18	associated	associate	VERB
ajis02-1923	110	19	with	with	ADP
ajis02-1923	110	20	customer	customer	NOUN
ajis02-1923	110	21	satisfaction	satisfaction	NOUN
ajis02-1923	110	22	.	.	PUNCT
ajis02-1923	111	1	2.5.2	2.5.2	NUM
ajis02-1923	111	2	customer	customer	NOUN
ajis02-1923	111	3	satisfaction	satisfaction	NOUN
ajis02-1923	111	4	and	and	CCONJ
ajis02-1923	111	5	behavioural	behavioural	ADJ
ajis02-1923	111	6	intention	intention	NOUN
ajis02-1923	111	7	many	many	ADJ
ajis02-1923	111	8	researchers	researcher	NOUN
ajis02-1923	111	9	(	(	PUNCT
ajis02-1923	111	10	e.g.	e.g.	ADV
ajis02-1923	111	11	,	,	PUNCT
ajis02-1923	111	12	chang	chang	PROPN
ajis02-1923	111	13	and	and	CCONJ
ajis02-1923	111	14	polonsky	polonsky	NOUN
ajis02-1923	111	15	,	,	PUNCT
ajis02-1923	111	16	2012	2012	NUM
ajis02-1923	111	17	;	;	PUNCT
ajis02-1923	111	18	lekhawipat	lekhawipat	PROPN
ajis02-1923	111	19	,	,	PUNCT
ajis02-1923	111	20	2014	2014	NUM
ajis02-1923	111	21	;	;	PUNCT
ajis02-1923	111	22	bressolles	bressolle	NOUN
ajis02-1923	111	23	,	,	PUNCT
ajis02-1923	111	24	durrieu	durrieu	ADJ
ajis02-1923	111	25	and	and	CCONJ
ajis02-1923	111	26	deans	dean	NOUN
ajis02-1923	111	27	,	,	PUNCT
ajis02-1923	111	28	2015	2015	NUM
ajis02-1923	111	29	)	)	PUNCT
ajis02-1923	111	30	have	have	AUX
ajis02-1923	111	31	focused	focus	VERB
ajis02-1923	111	32	on	on	ADP
ajis02-1923	111	33	the	the	DET
ajis02-1923	111	34	relationship	relationship	NOUN
ajis02-1923	111	35	between	between	ADP
ajis02-1923	111	36	customer	customer	NOUN
ajis02-1923	111	37	satisfaction	satisfaction	NOUN
ajis02-1923	111	38	and	and	CCONJ
ajis02-1923	111	39	behavioural	behavioural	ADJ
ajis02-1923	111	40	intention	intention	NOUN
ajis02-1923	111	41	.	.	PUNCT
ajis02-1923	112	1	customer	customer	NOUN
ajis02-1923	112	2	satisfaction	satisfaction	NOUN
ajis02-1923	112	3	is	be	AUX
ajis02-1923	112	4	of	of	ADP
ajis02-1923	112	5	crucial	crucial	ADJ
ajis02-1923	112	6	importance	importance	NOUN
ajis02-1923	112	7	in	in	ADP
ajis02-1923	112	8	the	the	DET
ajis02-1923	112	9	online	online	ADJ
ajis02-1923	112	10	environment	environment	NOUN
ajis02-1923	112	11	.	.	PUNCT
ajis02-1923	113	1	with	with	ADP
ajis02-1923	113	2	satisfied	satisfied	ADJ
ajis02-1923	113	3	customers	customer	NOUN
ajis02-1923	113	4	,	,	PUNCT
ajis02-1923	113	5	online	online	ADJ
ajis02-1923	113	6	stores	store	NOUN
ajis02-1923	113	7	can	can	AUX
ajis02-1923	113	8	achieve	achieve	VERB
ajis02-1923	113	9	higher	high	ADJ
ajis02-1923	113	10	customer	customer	NOUN
ajis02-1923	113	11	retention	retention	NOUN
ajis02-1923	113	12	rates	rate	NOUN
ajis02-1923	113	13	,	,	PUNCT
ajis02-1923	113	14	higher	high	ADJ
ajis02-1923	113	15	profitability	profitability	NOUN
ajis02-1923	113	16	and	and	CCONJ
ajis02-1923	113	17	long	long	ADJ
ajis02-1923	113	18	-	-	PUNCT
ajis02-1923	113	19	term	term	NOUN
ajis02-1923	113	20	growth	growth	NOUN
ajis02-1923	113	21	(	(	PUNCT
ajis02-1923	113	22	chen	chen	PROPN
ajis02-1923	113	23	,	,	PUNCT
ajis02-1923	113	24	ling	ling	PROPN
ajis02-1923	113	25	,	,	PUNCT
ajis02-1923	113	26	ying	ying	PROPN
ajis02-1923	113	27	,	,	PUNCT
ajis02-1923	113	28	&	&	CCONJ
ajis02-1923	113	29	meng	meng	PROPN
ajis02-1923	113	30	,	,	PUNCT
ajis02-1923	113	31	2012	2012	NUM
ajis02-1923	113	32	)	)	PUNCT
ajis02-1923	113	33	.	.	PUNCT
ajis02-1923	114	1	anderson	anderson	PROPN
ajis02-1923	114	2	and	and	CCONJ
ajis02-1923	114	3	srinivasan	srinivasan	PROPN
ajis02-1923	114	4	(	(	PUNCT
ajis02-1923	114	5	2003	2003	NUM
ajis02-1923	114	6	)	)	PUNCT
ajis02-1923	114	7	illustrate	illustrate	VERB
ajis02-1923	114	8	the	the	DET
ajis02-1923	114	9	impact	impact	NOUN
ajis02-1923	114	10	of	of	ADP
ajis02-1923	114	11	customer	customer	NOUN
ajis02-1923	114	12	satisfaction	satisfaction	NOUN
ajis02-1923	114	13	on	on	ADP
ajis02-1923	114	14	loyalty	loyalty	NOUN
ajis02-1923	114	15	in	in	ADP
ajis02-1923	114	16	the	the	DET
ajis02-1923	114	17	context	context	NOUN
ajis02-1923	114	18	of	of	ADP
ajis02-1923	114	19	ecommerce	ecommerce	PROPN
ajis02-1923	114	20	.	.	PUNCT
ajis02-1923	115	1	they	they	PRON
ajis02-1923	115	2	define	define	VERB
ajis02-1923	115	3	e	e	NOUN
ajis02-1923	115	4	-	-	NOUN
ajis02-1923	115	5	satisfaction	satisfaction	NOUN
ajis02-1923	115	6	in	in	ADP
ajis02-1923	115	7	the	the	DET
ajis02-1923	115	8	e	e	NOUN
ajis02-1923	115	9	-	-	NOUN
ajis02-1923	115	10	commerce	commerce	NOUN
ajis02-1923	115	11	context	context	NOUN
ajis02-1923	115	12	as	as	ADP
ajis02-1923	115	13	“	"	PUNCT
ajis02-1923	115	14	the	the	DET
ajis02-1923	115	15	contentment	contentment	NOUN
ajis02-1923	115	16	of	of	ADP
ajis02-1923	115	17	the	the	DET
ajis02-1923	115	18	customer	customer	NOUN
ajis02-1923	115	19	with	with	ADP
ajis02-1923	115	20	respect	respect	NOUN
ajis02-1923	115	21	to	to	ADP
ajis02-1923	115	22	his	his	PRON
ajis02-1923	115	23	or	or	CCONJ
ajis02-1923	115	24	her	her	PRON
ajis02-1923	115	25	prior	prior	ADJ
ajis02-1923	115	26	purchasing	purchase	VERB
ajis02-1923	115	27	experience	experience	NOUN
ajis02-1923	115	28	with	with	ADP
ajis02-1923	115	29	a	a	DET
ajis02-1923	115	30	given	give	VERB
ajis02-1923	115	31	e	e	NOUN
ajis02-1923	115	32	-	-	NOUN
ajis02-1923	115	33	retailer	retailer	NOUN
ajis02-1923	115	34	.	.	PUNCT
ajis02-1923	115	35	”	"	PUNCT
ajis02-1923	116	1	a	a	DET
ajis02-1923	116	2	large	large	ADJ
ajis02-1923	116	3	number	number	NOUN
ajis02-1923	116	4	of	of	ADP
ajis02-1923	116	5	marketing	marketing	NOUN
ajis02-1923	116	6	researchers	researcher	NOUN
ajis02-1923	116	7	have	have	AUX
ajis02-1923	116	8	incorporated	incorporate	VERB
ajis02-1923	116	9	satisfaction	satisfaction	NOUN
ajis02-1923	116	10	and	and	CCONJ
ajis02-1923	116	11	behavioural	behavioural	ADJ
ajis02-1923	116	12	intention	intention	NOUN
ajis02-1923	116	13	as	as	ADP
ajis02-1923	116	14	important	important	ADJ
ajis02-1923	116	15	variables	variable	NOUN
ajis02-1923	116	16	in	in	ADP
ajis02-1923	116	17	their	their	PRON
ajis02-1923	116	18	theoretical	theoretical	ADJ
ajis02-1923	116	19	framework	framework	NOUN
ajis02-1923	116	20	and	and	CCONJ
ajis02-1923	116	21	illustrated	illustrate	VERB
ajis02-1923	116	22	that	that	PRON
ajis02-1923	116	23	service	service	NOUN
ajis02-1923	116	24	quality	quality	NOUN
ajis02-1923	116	25	leads	lead	VERB
ajis02-1923	116	26	to	to	ADP
ajis02-1923	116	27	satisfaction	satisfaction	NOUN
ajis02-1923	116	28	(	(	PUNCT
ajis02-1923	116	29	bressolles	bressolle	NOUN
ajis02-1923	116	30	et	et	PROPN
ajis02-1923	116	31	al	al	PROPN
ajis02-1923	116	32	.	.	PROPN
ajis02-1923	116	33	,	,	PUNCT
ajis02-1923	116	34	2015	2015	NUM
ajis02-1923	116	35	;	;	PUNCT
ajis02-1923	116	36	caruana	caruana	PROPN
ajis02-1923	116	37	,	,	PUNCT
ajis02-1923	116	38	money	money	NOUN
ajis02-1923	116	39	,	,	PUNCT
ajis02-1923	116	40	&	&	CCONJ
ajis02-1923	116	41	berthon	berthon	PROPN
ajis02-1923	116	42	,	,	PUNCT
ajis02-1923	116	43	1998	1998	NUM
ajis02-1923	116	44	;	;	PUNCT
ajis02-1923	116	45	chang	chang	PROPN
ajis02-1923	116	46	et	et	PROPN
ajis02-1923	116	47	al	al	PROPN
ajis02-1923	116	48	.	.	PROPN
ajis02-1923	116	49	,	,	PUNCT
ajis02-1923	116	50	2009	2009	NUM
ajis02-1923	116	51	;	;	PUNCT
ajis02-1923	116	52	dabholkar	dabholkar	NOUN
ajis02-1923	116	53	,	,	PUNCT
ajis02-1923	116	54	2000	2000	NUM
ajis02-1923	116	55	)	)	PUNCT
ajis02-1923	116	56	,	,	PUNCT
ajis02-1923	116	57	which	which	PRON
ajis02-1923	116	58	,	,	PUNCT
ajis02-1923	116	59	in	in	ADP
ajis02-1923	116	60	turn	turn	NOUN
ajis02-1923	116	61	,	,	PUNCT
ajis02-1923	116	62	influences	influence	VERB
ajis02-1923	116	63	behaviour	behaviour	NOUN
ajis02-1923	116	64	intention	intention	NOUN
ajis02-1923	116	65	(	(	PUNCT
ajis02-1923	116	66	chang	chang	PROPN
ajis02-1923	116	67	et	et	PROPN
ajis02-1923	116	68	al	al	PROPN
ajis02-1923	116	69	.	.	PROPN
ajis02-1923	116	70	,	,	PUNCT
ajis02-1923	116	71	2009	2009	NUM
ajis02-1923	116	72	;	;	PUNCT
ajis02-1923	116	73	chang	chang	PROPN
ajis02-1923	116	74	&	&	CCONJ
ajis02-1923	116	75	polonsky	polonsky	PROPN
ajis02-1923	116	76	,	,	PUNCT
ajis02-1923	116	77	2012	2012	NUM
ajis02-1923	116	78	;	;	PUNCT
ajis02-1923	116	79	zeithaml	zeithaml	PROPN
ajis02-1923	116	80	,	,	PUNCT
ajis02-1923	116	81	berry	berry	NOUN
ajis02-1923	116	82	,	,	PUNCT
ajis02-1923	116	83	&	&	CCONJ
ajis02-1923	116	84	parasuraman	parasuraman	NOUN
ajis02-1923	116	85	,	,	PUNCT
ajis02-1923	116	86	1996	1996	NUM
ajis02-1923	116	87	)	)	PUNCT
ajis02-1923	116	88	.	.	PUNCT
ajis02-1923	117	1	the	the	DET
ajis02-1923	117	2	above	above	ADJ
ajis02-1923	117	3	arguments	argument	NOUN
ajis02-1923	117	4	highlight	highlight	VERB
ajis02-1923	117	5	that	that	DET
ajis02-1923	117	6	satisfaction	satisfaction	NOUN
ajis02-1923	117	7	positively	positively	ADV
ajis02-1923	117	8	affects	affect	VERB
ajis02-1923	117	9	customer	customer	NOUN
ajis02-1923	117	10	behavioural	behavioural	ADJ
ajis02-1923	117	11	intention	intention	NOUN
ajis02-1923	117	12	to	to	PART
ajis02-1923	117	13	use	use	VERB
ajis02-1923	117	14	internet	internet	NOUN
ajis02-1923	117	15	banking	banking	NOUN
ajis02-1923	117	16	,	,	PUNCT
ajis02-1923	117	17	and	and	CCONJ
ajis02-1923	117	18	hence	hence	ADV
ajis02-1923	117	19	,	,	PUNCT
ajis02-1923	117	20	we	we	PRON
ajis02-1923	117	21	propose	propose	VERB
ajis02-1923	117	22	the	the	DET
ajis02-1923	117	23	following	follow	VERB
ajis02-1923	117	24	hypothesis	hypothesis	NOUN
ajis02-1923	117	25	:	:	PUNCT
ajis02-1923	117	26	h2	h2	NOUN
ajis02-1923	117	27	:	:	PUNCT
ajis02-1923	117	28	customer	customer	NOUN
ajis02-1923	117	29	satisfaction	satisfaction	NOUN
ajis02-1923	117	30	is	be	AUX
ajis02-1923	117	31	positively	positively	ADV
ajis02-1923	117	32	associated	associate	VERB
ajis02-1923	117	33	with	with	ADP
ajis02-1923	117	34	customer	customer	NOUN
ajis02-1923	117	35	behavioural	behavioural	ADJ
ajis02-1923	117	36	intention	intention	NOUN
ajis02-1923	117	37	.	.	PUNCT
ajis02-1923	118	1	2.5.3	2.5.3	NUM
ajis02-1923	118	2	customer	customer	NOUN
ajis02-1923	118	3	satisfaction	satisfaction	NOUN
ajis02-1923	118	4	,	,	PUNCT
ajis02-1923	118	5	ibps	ibps	NOUN
ajis02-1923	118	6	process	process	NOUN
ajis02-1923	118	7	and	and	CCONJ
ajis02-1923	118	8	behavioural	behavioural	ADJ
ajis02-1923	118	9	intention	intention	NOUN
ajis02-1923	118	10	customer	customer	NOUN
ajis02-1923	118	11	satisfaction	satisfaction	NOUN
ajis02-1923	118	12	has	have	AUX
ajis02-1923	118	13	also	also	ADV
ajis02-1923	118	14	been	be	AUX
ajis02-1923	118	15	found	find	VERB
ajis02-1923	118	16	to	to	PART
ajis02-1923	118	17	be	be	AUX
ajis02-1923	118	18	a	a	DET
ajis02-1923	118	19	mediator	mediator	NOUN
ajis02-1923	118	20	of	of	ADP
ajis02-1923	118	21	the	the	DET
ajis02-1923	118	22	association	association	NOUN
ajis02-1923	118	23	between	between	ADP
ajis02-1923	118	24	service	service	NOUN
ajis02-1923	118	25	quality	quality	NOUN
ajis02-1923	118	26	and	and	CCONJ
ajis02-1923	118	27	behavioural	behavioural	ADJ
ajis02-1923	118	28	intention	intention	NOUN
ajis02-1923	118	29	(	(	PUNCT
ajis02-1923	118	30	bloemer	bloemer	NOUN
ajis02-1923	118	31	,	,	PUNCT
ajis02-1923	118	32	ruyter	ruyter	NOUN
ajis02-1923	118	33	,	,	PUNCT
ajis02-1923	118	34	&	&	CCONJ
ajis02-1923	118	35	peeters	peeter	NOUN
ajis02-1923	118	36	,	,	PUNCT
ajis02-1923	118	37	1998	1998	NUM
ajis02-1923	118	38	)	)	PUNCT
ajis02-1923	118	39	.	.	PUNCT
ajis02-1923	119	1	in	in	ADP
ajis02-1923	119	2	taiwanese	taiwanese	ADJ
ajis02-1923	119	3	leisure	leisure	NOUN
ajis02-1923	119	4	setting	setting	NOUN
ajis02-1923	119	5	,	,	PUNCT
ajis02-1923	119	6	chang	chang	PROPN
ajis02-1923	119	7	&	&	CCONJ
ajis02-1923	119	8	polonsky	polonsky	PROPN
ajis02-1923	119	9	(	(	PUNCT
ajis02-1923	119	10	2012	2012	NUM
ajis02-1923	119	11	)	)	PUNCT
ajis02-1923	119	12	demonstrate	demonstrate	VERB
ajis02-1923	119	13	the	the	DET
ajis02-1923	119	14	indirect	indirect	ADJ
ajis02-1923	119	15	and	and	CCONJ
ajis02-1923	119	16	positive	positive	ADJ
ajis02-1923	119	17	association	association	NOUN
ajis02-1923	119	18	between	between	ADP
ajis02-1923	119	19	consumer	consumer	NOUN
ajis02-1923	119	20	perceptions	perception	NOUN
ajis02-1923	119	21	of	of	ADP
ajis02-1923	119	22	the	the	DET
ajis02-1923	119	23	convenience	convenience	NOUN
ajis02-1923	119	24	dimensions	dimension	NOUN
ajis02-1923	119	25	(	(	PUNCT
ajis02-1923	119	26	benefit	benefit	NOUN
ajis02-1923	119	27	and	and	CCONJ
ajis02-1923	119	28	post	post	ADJ
ajis02-1923	119	29	-	-	NOUN
ajis02-1923	119	30	benefit	benefit	NOUN
ajis02-1923	119	31	)	)	PUNCT
ajis02-1923	119	32	and	and	CCONJ
ajis02-1923	119	33	their	their	PRON
ajis02-1923	119	34	behavioural	behavioural	ADJ
ajis02-1923	119	35	intention	intention	NOUN
ajis02-1923	119	36	towards	towards	ADP
ajis02-1923	119	37	the	the	DET
ajis02-1923	119	38	service	service	NOUN
ajis02-1923	119	39	provider	provider	NOUN
ajis02-1923	119	40	,	,	PUNCT
ajis02-1923	119	41	mediated	mediate	VERB
ajis02-1923	119	42	by	by	ADP
ajis02-1923	119	43	customer	customer	NOUN
ajis02-1923	119	44	satisfaction	satisfaction	NOUN
ajis02-1923	119	45	.	.	PUNCT
ajis02-1923	120	1	as	as	SCONJ
ajis02-1923	120	2	discussed	discuss	VERB
ajis02-1923	120	3	,	,	PUNCT
ajis02-1923	120	4	the	the	DET
ajis02-1923	120	5	ibsds	ibsds	NOUN
ajis02-1923	120	6	process	process	NOUN
ajis02-1923	120	7	affects	affect	VERB
ajis02-1923	120	8	customer	customer	NOUN
ajis02-1923	120	9	satisfaction	satisfaction	NOUN
ajis02-1923	120	10	,	,	PUNCT
ajis02-1923	120	11	which	which	PRON
ajis02-1923	120	12	,	,	PUNCT
ajis02-1923	120	13	in	in	ADP
ajis02-1923	120	14	turn	turn	NOUN
ajis02-1923	120	15	,	,	PUNCT
ajis02-1923	120	16	affects	affect	VERB
ajis02-1923	120	17	customer	customer	NOUN
ajis02-1923	120	18	behavioural	behavioural	ADJ
ajis02-1923	120	19	intention	intention	NOUN
ajis02-1923	120	20	,	,	PUNCT
ajis02-1923	120	21	thus	thus	ADV
ajis02-1923	120	22	,	,	PUNCT
ajis02-1923	120	23	indicating	indicate	VERB
ajis02-1923	120	24	that	that	SCONJ
ajis02-1923	120	25	customer	customer	NOUN
ajis02-1923	120	26	satisfaction	satisfaction	NOUN
ajis02-1923	120	27	may	may	AUX
ajis02-1923	120	28	have	have	VERB
ajis02-1923	120	29	a	a	DET
ajis02-1923	120	30	mediating	mediate	VERB
ajis02-1923	120	31	effect	effect	NOUN
ajis02-1923	120	32	in	in	ADP
ajis02-1923	120	33	their	their	PRON
ajis02-1923	120	34	relationship	relationship	NOUN
ajis02-1923	120	35	.	.	PUNCT
ajis02-1923	121	1	therefore	therefore	ADV
ajis02-1923	121	2	,	,	PUNCT
ajis02-1923	121	3	based	base	VERB
ajis02-1923	121	4	on	on	ADP
ajis02-1923	121	5	past	past	ADJ
ajis02-1923	121	6	literature	literature	NOUN
ajis02-1923	121	7	,	,	PUNCT
ajis02-1923	121	8	mediating	mediate	VERB
ajis02-1923	121	9	effect	effect	NOUN
ajis02-1923	121	10	of	of	ADP
ajis02-1923	121	11	customer	customer	NOUN
ajis02-1923	121	12	australasian	australasian	ADJ
ajis02-1923	121	13	journal	journal	NOUN
ajis02-1923	121	14	of	of	ADP
ajis02-1923	121	15	information	information	NOUN
ajis02-1923	121	16	systems	system	NOUN
ajis02-1923	121	17	kumar	kumar	PROPN
ajis02-1923	121	18	,	,	PUNCT
ajis02-1923	121	19	sachan	sachan	PROPN
ajis02-1923	121	20	&	&	CCONJ
ajis02-1923	121	21	kumar	kumar	PROPN
ajis02-1923	121	22	2020	2020	PROPN
ajis02-1923	121	23	,	,	PUNCT
ajis02-1923	121	24	vol	vol	NOUN
ajis02-1923	121	25	24	24	NUM
ajis02-1923	121	26	,	,	PUNCT
ajis02-1923	121	27	research	research	NOUN
ajis02-1923	121	28	article	article	NOUN
ajis02-1923	121	29	service	service	NOUN
ajis02-1923	121	30	delivery	delivery	NOUN
ajis02-1923	121	31	and	and	CCONJ
ajis02-1923	121	32	perceived	perceive	VERB
ajis02-1923	121	33	value	value	NOUN
ajis02-1923	121	34	in	in	ADP
ajis02-1923	121	35	internet	internet	NOUN
ajis02-1923	121	36	banking	banking	NOUN
ajis02-1923	121	37	adoption	adoption	NOUN
ajis02-1923	121	38	7	7	NUM
ajis02-1923	121	39	satisfaction	satisfaction	NOUN
ajis02-1923	121	40	would	would	AUX
ajis02-1923	121	41	be	be	AUX
ajis02-1923	121	42	expected	expect	VERB
ajis02-1923	121	43	between	between	ADP
ajis02-1923	121	44	the	the	DET
ajis02-1923	121	45	ibsds	ibsds	NOUN
ajis02-1923	121	46	process	process	NOUN
ajis02-1923	121	47	and	and	CCONJ
ajis02-1923	121	48	behavioural	behavioural	ADJ
ajis02-1923	121	49	intention	intention	NOUN
ajis02-1923	121	50	in	in	ADP
ajis02-1923	121	51	the	the	DET
ajis02-1923	121	52	internet	internet	NOUN
ajis02-1923	121	53	banking	banking	NOUN
ajis02-1923	121	54	context	context	NOUN
ajis02-1923	121	55	.	.	PUNCT
ajis02-1923	122	1	hence	hence	ADV
ajis02-1923	122	2	,	,	PUNCT
ajis02-1923	122	3	we	we	PRON
ajis02-1923	122	4	formulate	formulate	VERB
ajis02-1923	122	5	the	the	DET
ajis02-1923	122	6	following	follow	VERB
ajis02-1923	122	7	hypothesis	hypothesis	NOUN
ajis02-1923	122	8	:	:	PUNCT
ajis02-1923	122	9	h3	h3	NOUN
ajis02-1923	122	10	.	.	PUNCT
ajis02-1923	123	1	customer	customer	NOUN
ajis02-1923	123	2	satisfaction	satisfaction	NOUN
ajis02-1923	123	3	mediates	mediate	VERB
ajis02-1923	123	4	the	the	DET
ajis02-1923	123	5	effect	effect	NOUN
ajis02-1923	123	6	of	of	ADP
ajis02-1923	123	7	ibsds	ibsds	NOUN
ajis02-1923	123	8	process	process	NOUN
ajis02-1923	123	9	on	on	ADP
ajis02-1923	123	10	behavioural	behavioural	ADJ
ajis02-1923	123	11	intention	intention	NOUN
ajis02-1923	123	12	.	.	PUNCT
ajis02-1923	124	1	2.5.4	2.5.4	NUM
ajis02-1923	124	2	perceived	perceive	VERB
ajis02-1923	124	3	value	value	NOUN
ajis02-1923	124	4	,	,	PUNCT
ajis02-1923	124	5	ibsds	ibsds	NOUN
ajis02-1923	124	6	process	process	NOUN
ajis02-1923	124	7	and	and	CCONJ
ajis02-1923	124	8	customer	customer	NOUN
ajis02-1923	124	9	satisfaction	satisfaction	NOUN
ajis02-1923	124	10	extant	extant	ADJ
ajis02-1923	124	11	literature	literature	NOUN
ajis02-1923	124	12	(	(	PUNCT
ajis02-1923	124	13	e.g.	e.g.	ADV
ajis02-1923	124	14	,	,	PUNCT
ajis02-1923	124	15	cronin	cronin	PROPN
ajis02-1923	124	16	,	,	PUNCT
ajis02-1923	124	17	brady	brady	PROPN
ajis02-1923	124	18	and	and	CCONJ
ajis02-1923	124	19	hult	hult	PROPN
ajis02-1923	124	20	,	,	PUNCT
ajis02-1923	124	21	2000	2000	NUM
ajis02-1923	124	22	)	)	PUNCT
ajis02-1923	124	23	has	have	AUX
ajis02-1923	124	24	tested	test	VERB
ajis02-1923	124	25	the	the	DET
ajis02-1923	124	26	indirect	indirect	ADJ
ajis02-1923	124	27	relationship	relationship	NOUN
ajis02-1923	124	28	that	that	PRON
ajis02-1923	124	29	exists	exist	VERB
ajis02-1923	124	30	between	between	ADP
ajis02-1923	124	31	service	service	NOUN
ajis02-1923	124	32	quality	quality	NOUN
ajis02-1923	124	33	and	and	CCONJ
ajis02-1923	124	34	behavioural	behavioural	ADJ
ajis02-1923	124	35	intentions	intention	NOUN
ajis02-1923	124	36	via	via	ADP
ajis02-1923	124	37	both	both	DET
ajis02-1923	124	38	service	service	NOUN
ajis02-1923	124	39	value	value	NOUN
ajis02-1923	124	40	and	and	CCONJ
ajis02-1923	124	41	satisfaction	satisfaction	NOUN
ajis02-1923	124	42	.	.	PUNCT
ajis02-1923	125	1	literature	literature	NOUN
ajis02-1923	125	2	(	(	PUNCT
ajis02-1923	125	3	e.g.	e.g.	ADV
ajis02-1923	125	4	,	,	PUNCT
ajis02-1923	125	5	caruana	caruana	PROPN
ajis02-1923	125	6	,	,	PUNCT
ajis02-1923	125	7	money	money	NOUN
ajis02-1923	125	8	and	and	CCONJ
ajis02-1923	125	9	berthon	berthon	PROPN
ajis02-1923	125	10	,	,	PUNCT
ajis02-1923	125	11	1998	1998	NUM
ajis02-1923	125	12	)	)	PUNCT
ajis02-1923	125	13	also	also	ADV
ajis02-1923	125	14	illustrates	illustrate	VERB
ajis02-1923	125	15	that	that	SCONJ
ajis02-1923	125	16	perceived	perceive	VERB
ajis02-1923	125	17	value	value	NOUN
ajis02-1923	125	18	has	have	VERB
ajis02-1923	125	19	a	a	DET
ajis02-1923	125	20	moderation	moderation	NOUN
ajis02-1923	125	21	effect	effect	NOUN
ajis02-1923	125	22	on	on	ADP
ajis02-1923	125	23	the	the	DET
ajis02-1923	125	24	link	link	NOUN
ajis02-1923	125	25	between	between	ADP
ajis02-1923	125	26	service	service	NOUN
ajis02-1923	125	27	quality	quality	NOUN
ajis02-1923	125	28	and	and	CCONJ
ajis02-1923	125	29	satisfaction	satisfaction	NOUN
ajis02-1923	125	30	.	.	PUNCT
ajis02-1923	126	1	it	it	PRON
ajis02-1923	126	2	is	be	AUX
ajis02-1923	126	3	argued	argue	VERB
ajis02-1923	126	4	that	that	SCONJ
ajis02-1923	126	5	high	high	ADJ
ajis02-1923	126	6	satisfaction	satisfaction	NOUN
ajis02-1923	126	7	can	can	AUX
ajis02-1923	126	8	be	be	AUX
ajis02-1923	126	9	achieved	achieve	VERB
ajis02-1923	126	10	with	with	ADP
ajis02-1923	126	11	a	a	DET
ajis02-1923	126	12	lower	low	ADJ
ajis02-1923	126	13	quality	quality	NOUN
ajis02-1923	126	14	if	if	SCONJ
ajis02-1923	126	15	value	value	NOUN
ajis02-1923	126	16	received	receive	VERB
ajis02-1923	126	17	is	be	AUX
ajis02-1923	126	18	high	high	ADJ
ajis02-1923	126	19	(	(	PUNCT
ajis02-1923	126	20	caruana	caruana	PROPN
ajis02-1923	126	21	et	et	PROPN
ajis02-1923	126	22	al	al	PROPN
ajis02-1923	126	23	.	.	PROPN
ajis02-1923	126	24	,	,	PUNCT
ajis02-1923	126	25	1998	1998	NUM
ajis02-1923	126	26	)	)	PUNCT
ajis02-1923	126	27	.	.	PUNCT
ajis02-1923	127	1	as	as	SCONJ
ajis02-1923	127	2	discussed	discuss	VERB
ajis02-1923	127	3	,	,	PUNCT
ajis02-1923	127	4	service	service	NOUN
ajis02-1923	127	5	process	process	NOUN
ajis02-1923	127	6	influences	influence	VERB
ajis02-1923	127	7	service	service	NOUN
ajis02-1923	127	8	quality	quality	NOUN
ajis02-1923	127	9	.	.	PUNCT
ajis02-1923	128	1	it	it	PRON
ajis02-1923	128	2	therefore	therefore	ADV
ajis02-1923	128	3	becomes	become	VERB
ajis02-1923	128	4	important	important	ADJ
ajis02-1923	128	5	to	to	PART
ajis02-1923	128	6	explore	explore	VERB
ajis02-1923	128	7	if	if	SCONJ
ajis02-1923	128	8	perceived	perceive	VERB
ajis02-1923	128	9	value	value	NOUN
ajis02-1923	128	10	moderates	moderate	VERB
ajis02-1923	128	11	the	the	DET
ajis02-1923	128	12	link	link	NOUN
ajis02-1923	128	13	between	between	ADP
ajis02-1923	128	14	ibsds	ibsds	NOUN
ajis02-1923	128	15	process	process	NOUN
ajis02-1923	128	16	and	and	CCONJ
ajis02-1923	128	17	customer	customer	NOUN
ajis02-1923	128	18	satisfaction	satisfaction	NOUN
ajis02-1923	128	19	.	.	PUNCT
ajis02-1923	129	1	extant	extant	ADJ
ajis02-1923	129	2	literature	literature	NOUN
ajis02-1923	129	3	(	(	PUNCT
ajis02-1923	129	4	e.g.	e.g.	ADV
ajis02-1923	129	5	,	,	PUNCT
ajis02-1923	129	6	ba	ba	PROPN
ajis02-1923	129	7	and	and	CCONJ
ajis02-1923	129	8	johansson	johansson	PROPN
ajis02-1923	129	9	,	,	PUNCT
ajis02-1923	129	10	2008	2008	NUM
ajis02-1923	129	11	;	;	PUNCT
ajis02-1923	129	12	sachan	sachan	NOUN
ajis02-1923	129	13	,	,	PUNCT
ajis02-1923	129	14	kumar	kumar	PROPN
ajis02-1923	129	15	and	and	CCONJ
ajis02-1923	129	16	kumar	kumar	PROPN
ajis02-1923	129	17	,	,	PUNCT
ajis02-1923	129	18	2018	2018	NUM
ajis02-1923	129	19	)	)	PUNCT
ajis02-1923	129	20	provides	provide	VERB
ajis02-1923	129	21	support	support	NOUN
ajis02-1923	129	22	for	for	ADP
ajis02-1923	129	23	a	a	DET
ajis02-1923	129	24	strong	strong	ADJ
ajis02-1923	129	25	direct	direct	ADJ
ajis02-1923	129	26	link	link	NOUN
ajis02-1923	129	27	between	between	ADP
ajis02-1923	129	28	service	service	NOUN
ajis02-1923	129	29	delivery	delivery	NOUN
ajis02-1923	129	30	process	process	NOUN
ajis02-1923	129	31	and	and	CCONJ
ajis02-1923	129	32	satisfaction	satisfaction	NOUN
ajis02-1923	129	33	but	but	CCONJ
ajis02-1923	129	34	makes	make	VERB
ajis02-1923	129	35	no	no	DET
ajis02-1923	129	36	such	such	ADJ
ajis02-1923	129	37	claim	claim	NOUN
ajis02-1923	129	38	for	for	ADP
ajis02-1923	129	39	the	the	DET
ajis02-1923	129	40	moderating	moderate	VERB
ajis02-1923	129	41	effect	effect	NOUN
ajis02-1923	129	42	of	of	ADP
ajis02-1923	129	43	perceived	perceive	VERB
ajis02-1923	129	44	value	value	NOUN
ajis02-1923	129	45	.	.	PUNCT
ajis02-1923	130	1	therefore	therefore	ADV
ajis02-1923	130	2	,	,	PUNCT
ajis02-1923	130	3	this	this	DET
ajis02-1923	130	4	research	research	NOUN
ajis02-1923	130	5	seeks	seek	VERB
ajis02-1923	130	6	to	to	PART
ajis02-1923	130	7	explore	explore	VERB
ajis02-1923	130	8	whether	whether	SCONJ
ajis02-1923	130	9	value	value	NOUN
ajis02-1923	130	10	moderates	moderate	VERB
ajis02-1923	130	11	the	the	DET
ajis02-1923	130	12	relationship	relationship	NOUN
ajis02-1923	130	13	between	between	ADP
ajis02-1923	130	14	ibsds	ibsds	NOUN
ajis02-1923	130	15	process	process	NOUN
ajis02-1923	130	16	and	and	CCONJ
ajis02-1923	130	17	customer	customer	NOUN
ajis02-1923	130	18	satisfaction	satisfaction	NOUN
ajis02-1923	130	19	.	.	PUNCT
ajis02-1923	131	1	hence	hence	ADV
ajis02-1923	131	2	,	,	PUNCT
ajis02-1923	131	3	our	our	PRON
ajis02-1923	131	4	next	next	ADJ
ajis02-1923	131	5	hypothesis	hypothesis	NOUN
ajis02-1923	131	6	is	be	AUX
ajis02-1923	131	7	:	:	PUNCT
ajis02-1923	131	8	h4	h4	NOUN
ajis02-1923	131	9	:	:	PUNCT
ajis02-1923	131	10	customer	customer	NOUN
ajis02-1923	131	11	perceived	perceive	VERB
ajis02-1923	131	12	value	value	NOUN
ajis02-1923	131	13	has	have	VERB
ajis02-1923	131	14	a	a	DET
ajis02-1923	131	15	significant	significant	ADJ
ajis02-1923	131	16	moderating	moderate	VERB
ajis02-1923	131	17	effect	effect	NOUN
ajis02-1923	131	18	on	on	ADP
ajis02-1923	131	19	the	the	DET
ajis02-1923	131	20	relationship	relationship	NOUN
ajis02-1923	131	21	between	between	ADP
ajis02-1923	131	22	ibsds	ibsds	NOUN
ajis02-1923	131	23	process	process	NOUN
ajis02-1923	131	24	and	and	CCONJ
ajis02-1923	131	25	customer	customer	NOUN
ajis02-1923	131	26	satisfaction	satisfaction	NOUN
ajis02-1923	131	27	.	.	PUNCT
ajis02-1923	132	1	2.5.5	2.5.5	NUM
ajis02-1923	132	2	perceived	perceive	VERB
ajis02-1923	132	3	value	value	NOUN
ajis02-1923	132	4	,	,	PUNCT
ajis02-1923	132	5	customer	customer	NOUN
ajis02-1923	132	6	satisfaction	satisfaction	NOUN
ajis02-1923	132	7	,	,	PUNCT
ajis02-1923	132	8	and	and	CCONJ
ajis02-1923	132	9	behavioural	behavioural	ADJ
ajis02-1923	132	10	intention	intention	NOUN
ajis02-1923	132	11	researchers	researcher	NOUN
ajis02-1923	132	12	have	have	AUX
ajis02-1923	132	13	established	establish	VERB
ajis02-1923	132	14	a	a	DET
ajis02-1923	132	15	positive	positive	ADJ
ajis02-1923	132	16	relationship	relationship	NOUN
ajis02-1923	132	17	between	between	ADP
ajis02-1923	132	18	perceived	perceive	VERB
ajis02-1923	132	19	value	value	NOUN
ajis02-1923	132	20	and	and	CCONJ
ajis02-1923	132	21	behavioural	behavioural	ADJ
ajis02-1923	132	22	intention	intention	NOUN
ajis02-1923	132	23	(	(	PUNCT
ajis02-1923	132	24	bressolles	bressolle	NOUN
ajis02-1923	132	25	et	et	PROPN
ajis02-1923	132	26	al	al	PROPN
ajis02-1923	132	27	.	.	PROPN
ajis02-1923	132	28	,	,	PUNCT
ajis02-1923	132	29	2015	2015	NUM
ajis02-1923	132	30	;	;	PUNCT
ajis02-1923	132	31	chang	chang	PROPN
ajis02-1923	132	32	et	et	PROPN
ajis02-1923	132	33	al	al	PROPN
ajis02-1923	132	34	.	.	PROPN
ajis02-1923	132	35	,	,	PUNCT
ajis02-1923	132	36	2009	2009	NUM
ajis02-1923	132	37	;	;	PUNCT
ajis02-1923	132	38	cronin	cronin	PROPN
ajis02-1923	132	39	et	et	PROPN
ajis02-1923	132	40	al	al	PROPN
ajis02-1923	132	41	.	.	PROPN
ajis02-1923	132	42	,	,	PUNCT
ajis02-1923	132	43	2000	2000	NUM
ajis02-1923	132	44	)	)	PUNCT
ajis02-1923	132	45	.	.	PUNCT
ajis02-1923	133	1	extant	extant	ADJ
ajis02-1923	133	2	literature	literature	PROPN
ajis02-1923	133	3	(	(	PUNCT
ajis02-1923	133	4	cronin	cronin	PROPN
ajis02-1923	133	5	et	et	PROPN
ajis02-1923	133	6	al	al	PROPN
ajis02-1923	133	7	.	.	PROPN
ajis02-1923	133	8	,	,	PUNCT
ajis02-1923	133	9	2000	2000	NUM
ajis02-1923	133	10	;	;	PUNCT
ajis02-1923	133	11	kim	kim	PROPN
ajis02-1923	133	12	,	,	PUNCT
ajis02-1923	133	13	2014	2014	NUM
ajis02-1923	133	14	)	)	PUNCT
ajis02-1923	133	15	has	have	AUX
ajis02-1923	133	16	examined	examine	VERB
ajis02-1923	133	17	the	the	DET
ajis02-1923	133	18	indirect	indirect	ADJ
ajis02-1923	133	19	relationship	relationship	NOUN
ajis02-1923	133	20	between	between	ADP
ajis02-1923	133	21	service	service	NOUN
ajis02-1923	133	22	value	value	NOUN
ajis02-1923	133	23	and	and	CCONJ
ajis02-1923	133	24	behavioural	behavioural	ADJ
ajis02-1923	133	25	intentions	intention	NOUN
ajis02-1923	133	26	via	via	ADP
ajis02-1923	133	27	satisfaction	satisfaction	NOUN
ajis02-1923	133	28	.	.	PUNCT
ajis02-1923	134	1	past	past	ADJ
ajis02-1923	134	2	studies	study	NOUN
ajis02-1923	134	3	demonstrate	demonstrate	VERB
ajis02-1923	134	4	that	that	SCONJ
ajis02-1923	134	5	perceived	perceive	VERB
ajis02-1923	134	6	value	value	NOUN
ajis02-1923	134	7	contributes	contribute	VERB
ajis02-1923	134	8	to	to	ADP
ajis02-1923	134	9	customers	customer	NOUN
ajis02-1923	134	10	’	'	PUNCT
ajis02-1923	134	11	loyalty	loyalty	NOUN
ajis02-1923	134	12	for	for	ADP
ajis02-1923	134	13	an	an	DET
ajis02-1923	134	14	e	e	NOUN
ajis02-1923	134	15	-	-	NOUN
ajis02-1923	134	16	business	business	NOUN
ajis02-1923	134	17	and	and	CCONJ
ajis02-1923	134	18	reduces	reduce	VERB
ajis02-1923	134	19	their	their	PRON
ajis02-1923	134	20	need	need	NOUN
ajis02-1923	134	21	to	to	PART
ajis02-1923	134	22	seek	seek	VERB
ajis02-1923	134	23	alternative	alternative	ADJ
ajis02-1923	134	24	service	service	NOUN
ajis02-1923	134	25	providers	provider	NOUN
ajis02-1923	134	26	or	or	CCONJ
ajis02-1923	134	27	alternative	alternative	ADJ
ajis02-1923	134	28	modes	mode	NOUN
ajis02-1923	134	29	for	for	ADP
ajis02-1923	134	30	accessing	access	VERB
ajis02-1923	134	31	services	service	NOUN
ajis02-1923	134	32	.	.	PUNCT
ajis02-1923	135	1	when	when	SCONJ
ajis02-1923	135	2	the	the	DET
ajis02-1923	135	3	perceived	perceive	VERB
ajis02-1923	135	4	value	value	NOUN
ajis02-1923	135	5	is	be	AUX
ajis02-1923	135	6	low	low	ADJ
ajis02-1923	135	7	,	,	PUNCT
ajis02-1923	135	8	customers	customer	NOUN
ajis02-1923	135	9	will	will	AUX
ajis02-1923	135	10	be	be	AUX
ajis02-1923	135	11	more	more	ADV
ajis02-1923	135	12	inclined	inclined	ADJ
ajis02-1923	135	13	to	to	PART
ajis02-1923	135	14	switch	switch	VERB
ajis02-1923	135	15	to	to	ADP
ajis02-1923	135	16	an	an	DET
ajis02-1923	135	17	alternate	alternate	ADJ
ajis02-1923	135	18	mode	mode	NOUN
ajis02-1923	135	19	or	or	CCONJ
ajis02-1923	135	20	competing	compete	VERB
ajis02-1923	135	21	businesses	business	NOUN
ajis02-1923	135	22	in	in	ADP
ajis02-1923	135	23	order	order	NOUN
ajis02-1923	135	24	to	to	PART
ajis02-1923	135	25	increase	increase	VERB
ajis02-1923	135	26	perceived	perceive	VERB
ajis02-1923	135	27	value	value	NOUN
ajis02-1923	135	28	,	,	PUNCT
ajis02-1923	135	29	thus	thus	ADV
ajis02-1923	135	30	leading	lead	VERB
ajis02-1923	135	31	to	to	ADP
ajis02-1923	135	32	a	a	DET
ajis02-1923	135	33	decline	decline	NOUN
ajis02-1923	135	34	in	in	ADP
ajis02-1923	135	35	loyalty	loyalty	NOUN
ajis02-1923	135	36	(	(	PUNCT
ajis02-1923	135	37	chang	chang	PROPN
ajis02-1923	135	38	et	et	PROPN
ajis02-1923	135	39	al	al	PROPN
ajis02-1923	135	40	.	.	PROPN
ajis02-1923	135	41	,	,	PUNCT
ajis02-1923	135	42	2009	2009	NUM
ajis02-1923	135	43	)	)	PUNCT
ajis02-1923	135	44	.	.	PUNCT
ajis02-1923	136	1	even	even	ADV
ajis02-1923	136	2	satisfied	satisfied	ADJ
ajis02-1923	136	3	customers	customer	NOUN
ajis02-1923	136	4	are	be	AUX
ajis02-1923	136	5	unlikely	unlikely	ADJ
ajis02-1923	136	6	to	to	PART
ajis02-1923	136	7	patronize	patronize	VERB
ajis02-1923	136	8	an	an	DET
ajis02-1923	136	9	e	e	NOUN
ajis02-1923	136	10	-	-	NOUN
ajis02-1923	136	11	business	business	NOUN
ajis02-1923	136	12	if	if	SCONJ
ajis02-1923	136	13	they	they	PRON
ajis02-1923	136	14	feel	feel	VERB
ajis02-1923	136	15	that	that	SCONJ
ajis02-1923	136	16	they	they	PRON
ajis02-1923	136	17	are	be	AUX
ajis02-1923	136	18	not	not	PART
ajis02-1923	136	19	getting	get	VERB
ajis02-1923	136	20	the	the	DET
ajis02-1923	136	21	best	good	ADJ
ajis02-1923	136	22	value	value	NOUN
ajis02-1923	136	23	(	(	PUNCT
ajis02-1923	136	24	chang	chang	PROPN
ajis02-1923	136	25	et	et	PROPN
ajis02-1923	136	26	al	al	PROPN
ajis02-1923	136	27	.	.	PROPN
ajis02-1923	136	28	,	,	PUNCT
ajis02-1923	136	29	2009	2009	NUM
ajis02-1923	136	30	)	)	PUNCT
ajis02-1923	136	31	.	.	PUNCT
ajis02-1923	137	1	instead	instead	ADV
ajis02-1923	137	2	,	,	PUNCT
ajis02-1923	137	3	they	they	PRON
ajis02-1923	137	4	will	will	AUX
ajis02-1923	137	5	seek	seek	VERB
ajis02-1923	137	6	out	out	ADP
ajis02-1923	137	7	other	other	ADJ
ajis02-1923	137	8	sellers	seller	NOUN
ajis02-1923	137	9	in	in	ADP
ajis02-1923	137	10	an	an	DET
ajis02-1923	137	11	ongoing	ongoing	ADJ
ajis02-1923	137	12	effort	effort	NOUN
ajis02-1923	137	13	to	to	PART
ajis02-1923	137	14	find	find	VERB
ajis02-1923	137	15	a	a	DET
ajis02-1923	137	16	better	well	ADJ
ajis02-1923	137	17	value	value	NOUN
ajis02-1923	137	18	(	(	PUNCT
ajis02-1923	137	19	anderson	anderson	PROPN
ajis02-1923	137	20	&	&	CCONJ
ajis02-1923	137	21	srinivasan	srinivasan	PROPN
ajis02-1923	137	22	,	,	PUNCT
ajis02-1923	137	23	2003	2003	NUM
ajis02-1923	137	24	)	)	PUNCT
ajis02-1923	137	25	.	.	PUNCT
ajis02-1923	138	1	they	they	PRON
ajis02-1923	138	2	may	may	AUX
ajis02-1923	138	3	also	also	ADV
ajis02-1923	138	4	switch	switch	VERB
ajis02-1923	138	5	to	to	PART
ajis02-1923	138	6	alternate	alternate	ADJ
ajis02-1923	138	7	modes	mode	NOUN
ajis02-1923	138	8	of	of	ADP
ajis02-1923	138	9	accessing	access	VERB
ajis02-1923	138	10	services	service	NOUN
ajis02-1923	138	11	such	such	ADJ
ajis02-1923	138	12	as	as	ADP
ajis02-1923	138	13	visiting	visit	VERB
ajis02-1923	138	14	the	the	DET
ajis02-1923	138	15	bank	bank	NOUN
ajis02-1923	138	16	branch	branch	NOUN
ajis02-1923	138	17	to	to	PART
ajis02-1923	138	18	find	find	VERB
ajis02-1923	138	19	better	well	ADJ
ajis02-1923	138	20	value	value	NOUN
ajis02-1923	138	21	.	.	PUNCT
ajis02-1923	139	1	the	the	DET
ajis02-1923	139	2	relationship	relationship	NOUN
ajis02-1923	139	3	between	between	ADP
ajis02-1923	139	4	customer	customer	NOUN
ajis02-1923	139	5	satisfaction	satisfaction	NOUN
ajis02-1923	139	6	and	and	CCONJ
ajis02-1923	139	7	loyalty	loyalty	NOUN
ajis02-1923	139	8	appears	appear	VERB
ajis02-1923	139	9	the	the	DET
ajis02-1923	139	10	strongest	strong	ADJ
ajis02-1923	139	11	when	when	SCONJ
ajis02-1923	139	12	customers	customer	NOUN
ajis02-1923	139	13	feel	feel	VERB
ajis02-1923	139	14	that	that	SCONJ
ajis02-1923	139	15	their	their	PRON
ajis02-1923	139	16	current	current	ADJ
ajis02-1923	139	17	e	e	NOUN
ajis02-1923	139	18	-	-	NOUN
ajis02-1923	139	19	business	business	NOUN
ajis02-1923	139	20	vendor	vendor	NOUN
ajis02-1923	139	21	provides	provide	VERB
ajis02-1923	139	22	higher	high	ADJ
ajis02-1923	139	23	overall	overall	ADJ
ajis02-1923	139	24	value	value	NOUN
ajis02-1923	139	25	than	than	ADP
ajis02-1923	139	26	that	that	PRON
ajis02-1923	139	27	offered	offer	VERB
ajis02-1923	139	28	by	by	ADP
ajis02-1923	139	29	competitors	competitor	NOUN
ajis02-1923	139	30	(	(	PUNCT
ajis02-1923	139	31	chang	chang	PROPN
ajis02-1923	139	32	et	et	PROPN
ajis02-1923	139	33	al	al	PROPN
ajis02-1923	139	34	.	.	PROPN
ajis02-1923	139	35	,	,	PUNCT
ajis02-1923	139	36	2009	2009	NUM
ajis02-1923	139	37	)	)	PUNCT
ajis02-1923	139	38	.	.	PUNCT
ajis02-1923	140	1	chang	chang	PROPN
ajis02-1923	140	2	et	et	PROPN
ajis02-1923	140	3	al	al	PROPN
ajis02-1923	140	4	.	.	PROPN
ajis02-1923	140	5	(	(	PUNCT
ajis02-1923	140	6	2009	2009	NUM
ajis02-1923	140	7	)	)	PUNCT
ajis02-1923	140	8	illustrate	illustrate	VERB
ajis02-1923	140	9	the	the	DET
ajis02-1923	140	10	moderating	moderate	VERB
ajis02-1923	140	11	effect	effect	NOUN
ajis02-1923	140	12	of	of	ADP
ajis02-1923	140	13	customer	customer	NOUN
ajis02-1923	140	14	perceived	perceive	VERB
ajis02-1923	140	15	value	value	NOUN
ajis02-1923	140	16	on	on	ADP
ajis02-1923	140	17	customer	customer	NOUN
ajis02-1923	140	18	satisfaction	satisfaction	NOUN
ajis02-1923	140	19	and	and	CCONJ
ajis02-1923	140	20	loyalty	loyalty	NOUN
ajis02-1923	140	21	in	in	ADP
ajis02-1923	140	22	an	an	DET
ajis02-1923	140	23	e	e	NOUN
ajis02-1923	140	24	-	-	NOUN
ajis02-1923	140	25	commerce	commerce	NOUN
ajis02-1923	140	26	context	context	NOUN
ajis02-1923	140	27	and	and	CCONJ
ajis02-1923	140	28	show	show	VERB
ajis02-1923	140	29	that	that	PRON
ajis02-1923	140	30	low	low	ADJ
ajis02-1923	140	31	satisfied	satisfied	ADJ
ajis02-1923	140	32	customers	customer	NOUN
ajis02-1923	140	33	with	with	ADP
ajis02-1923	140	34	high	high	ADJ
ajis02-1923	140	35	perceived	perceive	VERB
ajis02-1923	140	36	value	value	NOUN
ajis02-1923	140	37	would	would	AUX
ajis02-1923	140	38	have	have	VERB
ajis02-1923	140	39	higher	high	ADJ
ajis02-1923	140	40	customer	customer	NOUN
ajis02-1923	140	41	loyalty	loyalty	NOUN
ajis02-1923	140	42	than	than	ADP
ajis02-1923	140	43	high	high	ADJ
ajis02-1923	140	44	satisfied	satisfied	ADJ
ajis02-1923	140	45	customers	customer	NOUN
ajis02-1923	140	46	with	with	ADP
ajis02-1923	140	47	low	low	ADJ
ajis02-1923	140	48	perceived	perceive	VERB
ajis02-1923	140	49	value	value	NOUN
ajis02-1923	140	50	.	.	PUNCT
ajis02-1923	141	1	based	base	VERB
ajis02-1923	141	2	on	on	ADP
ajis02-1923	141	3	this	this	DET
ajis02-1923	141	4	argument	argument	NOUN
ajis02-1923	141	5	,	,	PUNCT
ajis02-1923	141	6	this	this	DET
ajis02-1923	141	7	study	study	NOUN
ajis02-1923	141	8	proposes	propose	VERB
ajis02-1923	141	9	that	that	SCONJ
ajis02-1923	141	10	customer	customer	NOUN
ajis02-1923	141	11	perceived	perceive	VERB
ajis02-1923	141	12	value	value	NOUN
ajis02-1923	141	13	may	may	AUX
ajis02-1923	141	14	have	have	VERB
ajis02-1923	141	15	a	a	DET
ajis02-1923	141	16	significant	significant	ADJ
ajis02-1923	141	17	moderating	moderate	VERB
ajis02-1923	141	18	effect	effect	NOUN
ajis02-1923	141	19	on	on	ADP
ajis02-1923	141	20	the	the	DET
ajis02-1923	141	21	relationship	relationship	NOUN
ajis02-1923	141	22	between	between	ADP
ajis02-1923	141	23	customer	customer	NOUN
ajis02-1923	141	24	satisfaction	satisfaction	NOUN
ajis02-1923	141	25	and	and	CCONJ
ajis02-1923	141	26	their	their	PRON
ajis02-1923	141	27	behavioural	behavioural	ADJ
ajis02-1923	141	28	intention	intention	NOUN
ajis02-1923	141	29	in	in	ADP
ajis02-1923	141	30	the	the	DET
ajis02-1923	141	31	internet	internet	NOUN
ajis02-1923	141	32	banking	banking	NOUN
ajis02-1923	141	33	context	context	NOUN
ajis02-1923	141	34	.	.	PUNCT
ajis02-1923	142	1	this	this	PRON
ajis02-1923	142	2	leads	lead	VERB
ajis02-1923	142	3	to	to	ADP
ajis02-1923	142	4	the	the	DET
ajis02-1923	142	5	fifth	fifth	ADJ
ajis02-1923	142	6	research	research	NOUN
ajis02-1923	142	7	hypothesis	hypothesis	NOUN
ajis02-1923	142	8	:	:	PUNCT
ajis02-1923	142	9	h5	h5	PROPN
ajis02-1923	142	10	:	:	PUNCT
ajis02-1923	142	11	customer	customer	NOUN
ajis02-1923	142	12	perceived	perceive	VERB
ajis02-1923	142	13	value	value	NOUN
ajis02-1923	142	14	has	have	VERB
ajis02-1923	142	15	a	a	DET
ajis02-1923	142	16	significant	significant	ADJ
ajis02-1923	142	17	moderating	moderate	VERB
ajis02-1923	142	18	effect	effect	NOUN
ajis02-1923	142	19	on	on	ADP
ajis02-1923	142	20	the	the	DET
ajis02-1923	142	21	relationship	relationship	NOUN
ajis02-1923	142	22	between	between	ADP
ajis02-1923	142	23	customer	customer	NOUN
ajis02-1923	142	24	satisfaction	satisfaction	NOUN
ajis02-1923	142	25	and	and	CCONJ
ajis02-1923	142	26	behavioural	behavioural	ADJ
ajis02-1923	142	27	intention	intention	NOUN
ajis02-1923	142	28	.	.	PUNCT
ajis02-1923	143	1	australasian	australasian	ADJ
ajis02-1923	143	2	journal	journal	NOUN
ajis02-1923	143	3	of	of	ADP
ajis02-1923	143	4	information	information	NOUN
ajis02-1923	143	5	systems	system	NOUN
ajis02-1923	143	6	kumar	kumar	PROPN
ajis02-1923	143	7	,	,	PUNCT
ajis02-1923	143	8	sachan	sachan	PROPN
ajis02-1923	143	9	&	&	CCONJ
ajis02-1923	143	10	kumar	kumar	PROPN
ajis02-1923	143	11	2020	2020	PROPN
ajis02-1923	143	12	,	,	PUNCT
ajis02-1923	143	13	vol	vol	NOUN
ajis02-1923	143	14	24	24	NUM
ajis02-1923	143	15	,	,	PUNCT
ajis02-1923	143	16	research	research	NOUN
ajis02-1923	143	17	article	article	NOUN
ajis02-1923	143	18	service	service	NOUN
ajis02-1923	143	19	delivery	delivery	NOUN
ajis02-1923	143	20	and	and	CCONJ
ajis02-1923	143	21	perceived	perceive	VERB
ajis02-1923	143	22	value	value	NOUN
ajis02-1923	143	23	in	in	ADP
ajis02-1923	143	24	internet	internet	NOUN
ajis02-1923	143	25	banking	banking	NOUN
ajis02-1923	143	26	adoption	adoption	NOUN
ajis02-1923	143	27	8	8	NUM
ajis02-1923	143	28	fig	fig	NOUN
ajis02-1923	143	29	.	.	PUNCT
ajis02-1923	144	1	1	1	X
ajis02-1923	144	2	.	.	X
ajis02-1923	144	3	research	research	NOUN
ajis02-1923	144	4	model	model	NOUN
ajis02-1923	144	5	and	and	CCONJ
ajis02-1923	144	6	hypotheses	hypothese	VERB
ajis02-1923	144	7	3	3	NUM
ajis02-1923	144	8	methodology	methodology	NOUN
ajis02-1923	144	9	for	for	ADP
ajis02-1923	144	10	this	this	DET
ajis02-1923	144	11	study	study	NOUN
ajis02-1923	144	12	,	,	PUNCT
ajis02-1923	144	13	which	which	PRON
ajis02-1923	144	14	focuses	focus	VERB
ajis02-1923	144	15	on	on	ADP
ajis02-1923	144	16	internet	internet	NOUN
ajis02-1923	144	17	banking	banking	NOUN
ajis02-1923	144	18	adoption	adoption	NOUN
ajis02-1923	144	19	,	,	PUNCT
ajis02-1923	144	20	we	we	PRON
ajis02-1923	144	21	surveyed	survey	VERB
ajis02-1923	144	22	the	the	DET
ajis02-1923	144	23	customers	customer	NOUN
ajis02-1923	144	24	who	who	PRON
ajis02-1923	144	25	use	use	VERB
ajis02-1923	144	26	internet	internet	NOUN
ajis02-1923	144	27	banking	banking	NOUN
ajis02-1923	144	28	services	service	NOUN
ajis02-1923	144	29	.	.	PUNCT
ajis02-1923	145	1	a	a	DET
ajis02-1923	145	2	conceptual	conceptual	ADJ
ajis02-1923	145	3	model	model	NOUN
ajis02-1923	145	4	(	(	PUNCT
ajis02-1923	145	5	see	see	VERB
ajis02-1923	145	6	fig	fig	NOUN
ajis02-1923	145	7	.	.	PUNCT
ajis02-1923	145	8	1	1	NUM
ajis02-1923	145	9	)	)	PUNCT
ajis02-1923	145	10	has	have	AUX
ajis02-1923	145	11	been	be	AUX
ajis02-1923	145	12	proposed	propose	VERB
ajis02-1923	145	13	based	base	VERB
ajis02-1923	145	14	on	on	ADP
ajis02-1923	145	15	the	the	DET
ajis02-1923	145	16	detailed	detail	VERB
ajis02-1923	145	17	literature	literature	NOUN
ajis02-1923	145	18	review	review	NOUN
ajis02-1923	145	19	.	.	PUNCT
ajis02-1923	146	1	most	most	ADJ
ajis02-1923	146	2	of	of	ADP
ajis02-1923	146	3	the	the	DET
ajis02-1923	146	4	literature	literature	NOUN
ajis02-1923	146	5	was	be	AUX
ajis02-1923	146	6	reviewed	review	VERB
ajis02-1923	146	7	at	at	ADP
ajis02-1923	146	8	the	the	DET
ajis02-1923	146	9	initial	initial	ADJ
ajis02-1923	146	10	stage	stage	NOUN
ajis02-1923	146	11	.	.	PUNCT
ajis02-1923	147	1	however	however	ADV
ajis02-1923	147	2	,	,	PUNCT
ajis02-1923	147	3	the	the	DET
ajis02-1923	147	4	activity	activity	NOUN
ajis02-1923	147	5	was	be	AUX
ajis02-1923	147	6	continued	continue	VERB
ajis02-1923	147	7	throughout	throughout	ADP
ajis02-1923	147	8	the	the	DET
ajis02-1923	147	9	study	study	NOUN
ajis02-1923	147	10	for	for	ADP
ajis02-1923	147	11	refinement	refinement	NOUN
ajis02-1923	147	12	at	at	ADP
ajis02-1923	147	13	various	various	ADJ
ajis02-1923	147	14	stages	stage	NOUN
ajis02-1923	147	15	.	.	PUNCT
ajis02-1923	148	1	the	the	DET
ajis02-1923	148	2	research	research	NOUN
ajis02-1923	148	3	was	be	AUX
ajis02-1923	148	4	conducted	conduct	VERB
ajis02-1923	148	5	between	between	ADP
ajis02-1923	148	6	december	december	PROPN
ajis02-1923	148	7	2017	2017	NUM
ajis02-1923	148	8	and	and	CCONJ
ajis02-1923	148	9	may	may	AUX
ajis02-1923	148	10	2018	2018	NUM
ajis02-1923	148	11	in	in	ADP
ajis02-1923	148	12	india	india	PROPN
ajis02-1923	148	13	.	.	PUNCT
ajis02-1923	149	1	spss	spss	PROPN
ajis02-1923	149	2	20	20	NUM
ajis02-1923	149	3	was	be	AUX
ajis02-1923	149	4	used	use	VERB
ajis02-1923	149	5	to	to	PART
ajis02-1923	149	6	analyse	analyse	VERB
ajis02-1923	149	7	the	the	DET
ajis02-1923	149	8	data	datum	NOUN
ajis02-1923	149	9	.	.	PUNCT
ajis02-1923	150	1	3.1	3.1	NUM
ajis02-1923	150	2	measurement	measurement	NOUN
ajis02-1923	150	3	scale	scale	NOUN
ajis02-1923	150	4	to	to	PART
ajis02-1923	150	5	test	test	VERB
ajis02-1923	150	6	the	the	DET
ajis02-1923	150	7	model	model	NOUN
ajis02-1923	150	8	in	in	ADP
ajis02-1923	150	9	the	the	DET
ajis02-1923	150	10	most	most	ADV
ajis02-1923	150	11	realistic	realistic	ADJ
ajis02-1923	150	12	way	way	NOUN
ajis02-1923	150	13	possible	possible	ADJ
ajis02-1923	150	14	,	,	PUNCT
ajis02-1923	150	15	the	the	DET
ajis02-1923	150	16	study	study	NOUN
ajis02-1923	150	17	was	be	AUX
ajis02-1923	150	18	conducted	conduct	VERB
ajis02-1923	150	19	through	through	ADP
ajis02-1923	150	20	a	a	DET
ajis02-1923	150	21	survey	survey	NOUN
ajis02-1923	150	22	(	(	PUNCT
ajis02-1923	150	23	a	a	DET
ajis02-1923	150	24	self	self	NOUN
ajis02-1923	150	25	-	-	PUNCT
ajis02-1923	150	26	administered	administer	VERB
ajis02-1923	150	27	questionnaire	questionnaire	NOUN
ajis02-1923	150	28	)	)	PUNCT
ajis02-1923	150	29	of	of	ADP
ajis02-1923	150	30	a	a	DET
ajis02-1923	150	31	broad	broad	ADJ
ajis02-1923	150	32	diversity	diversity	NOUN
ajis02-1923	150	33	of	of	ADP
ajis02-1923	150	34	internet	internet	NOUN
ajis02-1923	150	35	banking	banking	NOUN
ajis02-1923	150	36	customers	customer	NOUN
ajis02-1923	150	37	in	in	ADP
ajis02-1923	150	38	several	several	ADJ
ajis02-1923	150	39	communities	community	NOUN
ajis02-1923	150	40	and	and	CCONJ
ajis02-1923	150	41	regions	region	NOUN
ajis02-1923	150	42	.	.	PUNCT
ajis02-1923	151	1	to	to	PART
ajis02-1923	151	2	test	test	VERB
ajis02-1923	151	3	the	the	DET
ajis02-1923	151	4	proposed	propose	VERB
ajis02-1923	151	5	model	model	NOUN
ajis02-1923	151	6	,	,	PUNCT
ajis02-1923	151	7	validated	validate	VERB
ajis02-1923	151	8	items	item	NOUN
ajis02-1923	151	9	were	be	AUX
ajis02-1923	151	10	adapted	adapt	VERB
ajis02-1923	151	11	from	from	ADP
ajis02-1923	151	12	previous	previous	ADJ
ajis02-1923	151	13	studies	study	NOUN
ajis02-1923	151	14	.	.	PUNCT
ajis02-1923	152	1	the	the	DET
ajis02-1923	152	2	measure	measure	NOUN
ajis02-1923	152	3	for	for	ADP
ajis02-1923	152	4	behavioural	behavioural	ADJ
ajis02-1923	152	5	intention	intention	NOUN
ajis02-1923	152	6	was	be	AUX
ajis02-1923	152	7	drawn	draw	VERB
ajis02-1923	152	8	from	from	ADP
ajis02-1923	152	9	yang	yang	PROPN
ajis02-1923	152	10	and	and	CCONJ
ajis02-1923	152	11	peterson	peterson	PROPN
ajis02-1923	152	12	(	(	PUNCT
ajis02-1923	152	13	2004	2004	NUM
ajis02-1923	152	14	)	)	PUNCT
ajis02-1923	152	15	.	.	PUNCT
ajis02-1923	153	1	customer	customer	NOUN
ajis02-1923	153	2	behavioural	behavioural	ADJ
ajis02-1923	153	3	intention	intention	NOUN
ajis02-1923	153	4	has	have	VERB
ajis02-1923	153	5	three	three	NUM
ajis02-1923	153	6	survey	survey	NOUN
ajis02-1923	153	7	items	item	NOUN
ajis02-1923	153	8	that	that	PRON
ajis02-1923	153	9	are	be	AUX
ajis02-1923	153	10	common	common	ADJ
ajis02-1923	153	11	in	in	ADP
ajis02-1923	153	12	measuring	measure	VERB
ajis02-1923	153	13	future	future	ADJ
ajis02-1923	153	14	intention	intention	NOUN
ajis02-1923	153	15	as	as	ADP
ajis02-1923	153	16	indicators	indicator	NOUN
ajis02-1923	153	17	of	of	ADP
ajis02-1923	153	18	actual	actual	ADJ
ajis02-1923	153	19	behaviour	behaviour	NOUN
ajis02-1923	153	20	.	.	PUNCT
ajis02-1923	154	1	the	the	DET
ajis02-1923	154	2	three	three	NUM
ajis02-1923	154	3	-	-	PUNCT
ajis02-1923	154	4	item	item	NOUN
ajis02-1923	154	5	measure	measure	NOUN
ajis02-1923	154	6	of	of	ADP
ajis02-1923	154	7	customer	customer	NOUN
ajis02-1923	154	8	satisfaction	satisfaction	NOUN
ajis02-1923	154	9	was	be	AUX
ajis02-1923	154	10	adapted	adapt	VERB
ajis02-1923	154	11	from	from	ADP
ajis02-1923	154	12	bressolles	bressolle	NOUN
ajis02-1923	154	13	,	,	PUNCT
ajis02-1923	154	14	durrieu	durrieu	NOUN
ajis02-1923	154	15	and	and	CCONJ
ajis02-1923	154	16	deans	dean	NOUN
ajis02-1923	154	17	(	(	PUNCT
ajis02-1923	154	18	2015	2015	NUM
ajis02-1923	154	19	)	)	PUNCT
ajis02-1923	154	20	study	study	NOUN
ajis02-1923	154	21	.	.	PUNCT
ajis02-1923	155	1	the	the	DET
ajis02-1923	155	2	sixitem	sixitem	NOUN
ajis02-1923	155	3	measure	measure	NOUN
ajis02-1923	155	4	for	for	ADP
ajis02-1923	155	5	customers	customer	NOUN
ajis02-1923	155	6	’	'	PUNCT
ajis02-1923	155	7	perceived	perceive	VERB
ajis02-1923	155	8	value	value	NOUN
ajis02-1923	155	9	was	be	AUX
ajis02-1923	155	10	adapted	adapt	VERB
ajis02-1923	155	11	from	from	ADP
ajis02-1923	155	12	bressolles	bressolle	NOUN
ajis02-1923	155	13	,	,	PUNCT
ajis02-1923	155	14	durrieu	durrieu	NOUN
ajis02-1923	155	15	and	and	CCONJ
ajis02-1923	155	16	deans	dean	NOUN
ajis02-1923	155	17	(	(	PUNCT
ajis02-1923	155	18	2015	2015	NUM
ajis02-1923	155	19	)	)	PUNCT
ajis02-1923	155	20	study	study	NOUN
ajis02-1923	155	21	.	.	PUNCT
ajis02-1923	156	1	finally	finally	ADV
ajis02-1923	156	2	,	,	PUNCT
ajis02-1923	156	3	the	the	DET
ajis02-1923	156	4	measure	measure	NOUN
ajis02-1923	156	5	for	for	ADP
ajis02-1923	156	6	ibsds	ibsds	NOUN
ajis02-1923	156	7	process	process	NOUN
ajis02-1923	156	8	with	with	ADP
ajis02-1923	156	9	six	six	NUM
ajis02-1923	156	10	items	item	NOUN
ajis02-1923	156	11	was	be	AUX
ajis02-1923	156	12	adopted	adopt	VERB
ajis02-1923	156	13	from	from	ADP
ajis02-1923	156	14	ba	ba	PROPN
ajis02-1923	156	15	and	and	CCONJ
ajis02-1923	156	16	johansson	johansson	PROPN
ajis02-1923	156	17	(	(	PUNCT
ajis02-1923	156	18	2008	2008	NUM
ajis02-1923	156	19	)	)	PUNCT
ajis02-1923	156	20	.	.	PUNCT
ajis02-1923	157	1	the	the	DET
ajis02-1923	157	2	items	item	NOUN
ajis02-1923	157	3	are	be	AUX
ajis02-1923	157	4	modified	modify	VERB
ajis02-1923	157	5	(	(	PUNCT
ajis02-1923	157	6	minor	minor	ADJ
ajis02-1923	157	7	changes	change	NOUN
ajis02-1923	157	8	)	)	PUNCT
ajis02-1923	157	9	for	for	ADP
ajis02-1923	157	10	the	the	DET
ajis02-1923	157	11	indian	indian	ADJ
ajis02-1923	157	12	banking	banking	NOUN
ajis02-1923	157	13	context	context	NOUN
ajis02-1923	157	14	.	.	PUNCT
ajis02-1923	158	1	the	the	DET
ajis02-1923	158	2	items	item	NOUN
ajis02-1923	158	3	were	be	AUX
ajis02-1923	158	4	revalidated	revalidate	VERB
ajis02-1923	158	5	before	before	ADP
ajis02-1923	158	6	conducting	conduct	VERB
ajis02-1923	158	7	the	the	DET
ajis02-1923	158	8	survey	survey	NOUN
ajis02-1923	158	9	for	for	ADP
ajis02-1923	158	10	this	this	DET
ajis02-1923	158	11	study	study	NOUN
ajis02-1923	158	12	.	.	PUNCT
ajis02-1923	159	1	five	five	NUM
ajis02-1923	159	2	-	-	PUNCT
ajis02-1923	159	3	point	point	NOUN
ajis02-1923	159	4	likert	likert	ADJ
ajis02-1923	159	5	scale	scale	NOUN
ajis02-1923	159	6	with	with	ADP
ajis02-1923	159	7	a	a	DET
ajis02-1923	159	8	rating	rating	NOUN
ajis02-1923	159	9	from	from	ADP
ajis02-1923	159	10	(	(	PUNCT
ajis02-1923	159	11	1	1	NUM
ajis02-1923	159	12	)	)	PUNCT
ajis02-1923	159	13	“	"	PUNCT
ajis02-1923	159	14	strongly	strongly	ADV
ajis02-1923	159	15	disagree	disagree	VERB
ajis02-1923	159	16	”	"	PUNCT
ajis02-1923	159	17	to	to	ADP
ajis02-1923	159	18	(	(	PUNCT
ajis02-1923	159	19	5	5	NUM
ajis02-1923	159	20	)	)	PUNCT
ajis02-1923	159	21	“	"	PUNCT
ajis02-1923	159	22	strongly	strongly	ADV
ajis02-1923	159	23	agree	agree	VERB
ajis02-1923	159	24	.	.	PUNCT
ajis02-1923	159	25	”	"	PUNCT
ajis02-1923	159	26	has	have	AUX
ajis02-1923	159	27	been	be	AUX
ajis02-1923	159	28	used	use	VERB
ajis02-1923	159	29	to	to	PART
ajis02-1923	159	30	facilitate	facilitate	VERB
ajis02-1923	159	31	measurement	measurement	NOUN
ajis02-1923	159	32	.	.	PUNCT
ajis02-1923	160	1	the	the	DET
ajis02-1923	160	2	list	list	NOUN
ajis02-1923	160	3	of	of	ADP
ajis02-1923	160	4	items	item	NOUN
ajis02-1923	160	5	used	use	VERB
ajis02-1923	160	6	in	in	ADP
ajis02-1923	160	7	the	the	DET
ajis02-1923	160	8	survey	survey	NOUN
ajis02-1923	160	9	is	be	AUX
ajis02-1923	160	10	given	give	VERB
ajis02-1923	160	11	in	in	ADP
ajis02-1923	160	12	appendix	appendix	ADJ
ajis02-1923	160	13	a.	a.	NOUN
ajis02-1923	160	14	australasian	australasian	ADJ
ajis02-1923	160	15	journal	journal	NOUN
ajis02-1923	160	16	of	of	ADP
ajis02-1923	160	17	information	information	NOUN
ajis02-1923	160	18	systems	system	NOUN
ajis02-1923	160	19	kumar	kumar	PROPN
ajis02-1923	160	20	,	,	PUNCT
ajis02-1923	160	21	sachan	sachan	PROPN
ajis02-1923	160	22	&	&	CCONJ
ajis02-1923	160	23	kumar	kumar	PROPN
ajis02-1923	160	24	2020	2020	PROPN
ajis02-1923	160	25	,	,	PUNCT
ajis02-1923	160	26	vol	vol	NOUN
ajis02-1923	160	27	24	24	NUM
ajis02-1923	160	28	,	,	PUNCT
ajis02-1923	160	29	research	research	NOUN
ajis02-1923	160	30	article	article	NOUN
ajis02-1923	160	31	service	service	NOUN
ajis02-1923	160	32	delivery	delivery	NOUN
ajis02-1923	160	33	and	and	CCONJ
ajis02-1923	160	34	perceived	perceive	VERB
ajis02-1923	160	35	value	value	NOUN
ajis02-1923	160	36	in	in	ADP
ajis02-1923	160	37	internet	internet	NOUN
ajis02-1923	160	38	banking	banking	NOUN
ajis02-1923	160	39	adoption	adoption	NOUN
ajis02-1923	160	40	9	9	NUM
ajis02-1923	160	41	3.2	3.2	NUM
ajis02-1923	160	42	sample	sample	NOUN
ajis02-1923	160	43	profile	profile	NOUN
ajis02-1923	160	44	and	and	CCONJ
ajis02-1923	160	45	data	datum	NOUN
ajis02-1923	160	46	collection	collection	NOUN
ajis02-1923	160	47	the	the	DET
ajis02-1923	160	48	participants	participant	NOUN
ajis02-1923	160	49	selected	select	VERB
ajis02-1923	160	50	for	for	ADP
ajis02-1923	160	51	the	the	DET
ajis02-1923	160	52	survey	survey	NOUN
ajis02-1923	160	53	were	be	AUX
ajis02-1923	160	54	the	the	DET
ajis02-1923	160	55	bank	bank	NOUN
ajis02-1923	160	56	customers	customer	NOUN
ajis02-1923	160	57	with	with	ADP
ajis02-1923	160	58	prior	prior	ADJ
ajis02-1923	160	59	experience	experience	NOUN
ajis02-1923	160	60	(	(	PUNCT
ajis02-1923	160	61	minimum	minimum	NOUN
ajis02-1923	160	62	of	of	ADP
ajis02-1923	160	63	six	six	NUM
ajis02-1923	160	64	months	month	NOUN
ajis02-1923	160	65	)	)	PUNCT
ajis02-1923	160	66	of	of	ADP
ajis02-1923	160	67	internet	internet	NOUN
ajis02-1923	160	68	banking	banking	NOUN
ajis02-1923	160	69	.	.	PUNCT
ajis02-1923	161	1	the	the	DET
ajis02-1923	161	2	purpose	purpose	NOUN
ajis02-1923	161	3	of	of	ADP
ajis02-1923	161	4	using	use	VERB
ajis02-1923	161	5	these	these	DET
ajis02-1923	161	6	samples	sample	NOUN
ajis02-1923	161	7	was	be	AUX
ajis02-1923	161	8	to	to	PART
ajis02-1923	161	9	capture	capture	VERB
ajis02-1923	161	10	their	their	PRON
ajis02-1923	161	11	internet	internet	NOUN
ajis02-1923	161	12	banking	banking	NOUN
ajis02-1923	161	13	service	service	NOUN
ajis02-1923	161	14	experience	experience	NOUN
ajis02-1923	161	15	and	and	CCONJ
ajis02-1923	161	16	also	also	ADV
ajis02-1923	161	17	their	their	PRON
ajis02-1923	161	18	future	future	ADJ
ajis02-1923	161	19	intentions	intention	NOUN
ajis02-1923	161	20	.	.	PUNCT
ajis02-1923	162	1	a	a	DET
ajis02-1923	162	2	paperbased	paperbase	VERB
ajis02-1923	162	3	survey	survey	NOUN
ajis02-1923	162	4	was	be	AUX
ajis02-1923	162	5	conducted	conduct	VERB
ajis02-1923	162	6	in	in	ADP
ajis02-1923	162	7	india	india	PROPN
ajis02-1923	162	8	,	,	PUNCT
ajis02-1923	162	9	and	and	CCONJ
ajis02-1923	162	10	a	a	DET
ajis02-1923	162	11	total	total	NOUN
ajis02-1923	162	12	of	of	ADP
ajis02-1923	162	13	600	600	NUM
ajis02-1923	162	14	questionnaires	questionnaire	NOUN
ajis02-1923	162	15	were	be	AUX
ajis02-1923	162	16	distributed	distribute	VERB
ajis02-1923	162	17	.	.	PUNCT
ajis02-1923	163	1	the	the	DET
ajis02-1923	163	2	respondents	respondent	NOUN
ajis02-1923	163	3	participated	participate	VERB
ajis02-1923	163	4	voluntarily	voluntarily	ADV
ajis02-1923	163	5	,	,	PUNCT
ajis02-1923	163	6	and	and	CCONJ
ajis02-1923	163	7	the	the	DET
ajis02-1923	163	8	purpose	purpose	NOUN
ajis02-1923	163	9	of	of	ADP
ajis02-1923	163	10	the	the	DET
ajis02-1923	163	11	survey	survey	NOUN
ajis02-1923	163	12	was	be	AUX
ajis02-1923	163	13	disclosed	disclose	VERB
ajis02-1923	163	14	to	to	ADP
ajis02-1923	163	15	them	they	PRON
ajis02-1923	163	16	while	while	SCONJ
ajis02-1923	163	17	distributing	distribute	VERB
ajis02-1923	163	18	the	the	DET
ajis02-1923	163	19	questionnaires	questionnaire	NOUN
ajis02-1923	163	20	.	.	PUNCT
ajis02-1923	164	1	we	we	PRON
ajis02-1923	164	2	have	have	AUX
ajis02-1923	164	3	received	receive	VERB
ajis02-1923	164	4	439	439	NUM
ajis02-1923	164	5	responses	response	NOUN
ajis02-1923	164	6	out	out	ADP
ajis02-1923	164	7	of	of	ADP
ajis02-1923	164	8	which	which	PRON
ajis02-1923	164	9	only	only	ADV
ajis02-1923	164	10	416	416	NUM
ajis02-1923	164	11	(	(	PUNCT
ajis02-1923	164	12	response	response	NOUN
ajis02-1923	164	13	rate	rate	NOUN
ajis02-1923	164	14	69.33	69.33	NUM
ajis02-1923	164	15	%	%	NOUN
ajis02-1923	164	16	)	)	PUNCT
ajis02-1923	164	17	responses	response	NOUN
ajis02-1923	164	18	were	be	AUX
ajis02-1923	164	19	found	find	VERB
ajis02-1923	164	20	eligible	eligible	ADJ
ajis02-1923	164	21	for	for	ADP
ajis02-1923	164	22	inclusion	inclusion	NOUN
ajis02-1923	164	23	in	in	ADP
ajis02-1923	164	24	the	the	DET
ajis02-1923	164	25	study	study	NOUN
ajis02-1923	164	26	process	process	NOUN
ajis02-1923	164	27	.	.	PUNCT
ajis02-1923	165	1	of	of	ADP
ajis02-1923	165	2	the	the	DET
ajis02-1923	165	3	eligible	eligible	ADJ
ajis02-1923	165	4	respondents	respondent	NOUN
ajis02-1923	165	5	,	,	PUNCT
ajis02-1923	165	6	136	136	NUM
ajis02-1923	165	7	are	be	AUX
ajis02-1923	165	8	female	female	ADJ
ajis02-1923	165	9	.	.	PUNCT
ajis02-1923	166	1	as	as	SCONJ
ajis02-1923	166	2	women	woman	NOUN
ajis02-1923	166	3	have	have	VERB
ajis02-1923	166	4	lesser	less	ADJ
ajis02-1923	166	5	representation	representation	NOUN
ajis02-1923	166	6	compared	compare	VERB
ajis02-1923	166	7	to	to	ADP
ajis02-1923	166	8	the	the	DET
ajis02-1923	166	9	mean	mean	NOUN
ajis02-1923	166	10	in	in	ADP
ajis02-1923	166	11	internet	internet	NOUN
ajis02-1923	166	12	banking	banking	NOUN
ajis02-1923	166	13	,	,	PUNCT
ajis02-1923	166	14	their	their	PRON
ajis02-1923	166	15	numbers	number	NOUN
ajis02-1923	166	16	are	be	AUX
ajis02-1923	166	17	low	low	ADJ
ajis02-1923	166	18	in	in	ADP
ajis02-1923	166	19	the	the	DET
ajis02-1923	166	20	sample	sample	NOUN
ajis02-1923	166	21	(	(	PUNCT
ajis02-1923	166	22	sanghera	sanghera	NOUN
ajis02-1923	166	23	,	,	PUNCT
ajis02-1923	166	24	2018	2018	NUM
ajis02-1923	166	25	)	)	PUNCT
ajis02-1923	166	26	.	.	PUNCT
ajis02-1923	167	1	the	the	DET
ajis02-1923	167	2	majority	majority	NOUN
ajis02-1923	167	3	of	of	ADP
ajis02-1923	167	4	the	the	DET
ajis02-1923	167	5	respondents	respondent	NOUN
ajis02-1923	167	6	were	be	AUX
ajis02-1923	167	7	younger	young	ADJ
ajis02-1923	167	8	than	than	ADP
ajis02-1923	167	9	35	35	NUM
ajis02-1923	167	10	years	year	NOUN
ajis02-1923	167	11	of	of	ADP
ajis02-1923	167	12	age	age	NOUN
ajis02-1923	167	13	.	.	PUNCT
ajis02-1923	168	1	the	the	DET
ajis02-1923	168	2	majority	majority	NOUN
ajis02-1923	168	3	of	of	ADP
ajis02-1923	168	4	the	the	DET
ajis02-1923	168	5	respondents	respondent	NOUN
ajis02-1923	168	6	were	be	AUX
ajis02-1923	168	7	highly	highly	ADV
ajis02-1923	168	8	educated	educate	VERB
ajis02-1923	168	9	,	,	PUNCT
ajis02-1923	168	10	with	with	ADP
ajis02-1923	168	11	61.5	61.5	NUM
ajis02-1923	168	12	percent	percent	NOUN
ajis02-1923	168	13	holding	hold	VERB
ajis02-1923	168	14	a	a	DET
ajis02-1923	168	15	graduate	graduate	NOUN
ajis02-1923	168	16	degree	degree	NOUN
ajis02-1923	168	17	and	and	CCONJ
ajis02-1923	168	18	26.2	26.2	NUM
ajis02-1923	168	19	percent	percent	NOUN
ajis02-1923	168	20	holding	hold	VERB
ajis02-1923	168	21	a	a	DET
ajis02-1923	168	22	post	post	ADJ
ajis02-1923	168	23	-	-	ADJ
ajis02-1923	168	24	graduate	graduate	ADJ
ajis02-1923	168	25	degree	degree	NOUN
ajis02-1923	168	26	.	.	PUNCT
ajis02-1923	169	1	the	the	DET
ajis02-1923	169	2	primary	primary	ADJ
ajis02-1923	169	3	rationale	rationale	NOUN
ajis02-1923	169	4	for	for	ADP
ajis02-1923	169	5	selecting	select	VERB
ajis02-1923	169	6	these	these	DET
ajis02-1923	169	7	age	age	NOUN
ajis02-1923	169	8	group	group	NOUN
ajis02-1923	169	9	participants	participant	NOUN
ajis02-1923	169	10	was	be	AUX
ajis02-1923	169	11	that	that	SCONJ
ajis02-1923	169	12	they	they	PRON
ajis02-1923	169	13	were	be	AUX
ajis02-1923	169	14	more	more	ADV
ajis02-1923	169	15	tech	tech	NOUN
ajis02-1923	169	16	savvy	savvy	ADJ
ajis02-1923	169	17	and	and	CCONJ
ajis02-1923	169	18	likely	likely	ADJ
ajis02-1923	169	19	to	to	PART
ajis02-1923	169	20	use	use	VERB
ajis02-1923	169	21	internet	internet	NOUN
ajis02-1923	169	22	-	-	PUNCT
ajis02-1923	169	23	based	base	VERB
ajis02-1923	169	24	services	service	NOUN
ajis02-1923	169	25	.	.	PUNCT
ajis02-1923	170	1	table	table	NOUN
ajis02-1923	170	2	1	1	NUM
ajis02-1923	170	3	illustrates	illustrate	VERB
ajis02-1923	170	4	the	the	DET
ajis02-1923	170	5	sample	sample	NOUN
ajis02-1923	170	6	profile	profile	NOUN
ajis02-1923	170	7	details	detail	NOUN
ajis02-1923	170	8	.	.	PUNCT
ajis02-1923	171	1	demographic	demographic	ADJ
ajis02-1923	171	2	variables	variable	NOUN
ajis02-1923	171	3	category	category	NOUN
ajis02-1923	171	4	frequency	frequency	NOUN
ajis02-1923	171	5	percentage	percentage	NOUN
ajis02-1923	171	6	gender	gender	NOUN
ajis02-1923	171	7	male	male	NOUN
ajis02-1923	171	8	280	280	NUM
ajis02-1923	171	9	67.3	67.3	NUM
ajis02-1923	171	10	female	female	NOUN
ajis02-1923	171	11	136	136	NUM
ajis02-1923	171	12	32.7	32.7	NUM
ajis02-1923	171	13	age	age	NOUN
ajis02-1923	171	14	18	18	NUM
ajis02-1923	171	15	-	-	SYM
ajis02-1923	171	16	24	24	NUM
ajis02-1923	171	17	174	174	NUM
ajis02-1923	171	18	41.8	41.8	NUM
ajis02-1923	171	19	25	25	NUM
ajis02-1923	171	20	-	-	SYM
ajis02-1923	171	21	34	34	NUM
ajis02-1923	171	22	207	207	NUM
ajis02-1923	171	23	49.8	49.8	NUM
ajis02-1923	171	24	35	35	NUM
ajis02-1923	171	25	-	-	SYM
ajis02-1923	171	26	44	44	NUM
ajis02-1923	171	27	11	11	NUM
ajis02-1923	171	28	2.6	2.6	NUM
ajis02-1923	171	29	45	45	NUM
ajis02-1923	171	30	-	-	SYM
ajis02-1923	171	31	55	55	NUM
ajis02-1923	171	32	24	24	NUM
ajis02-1923	171	33	5.8	5.8	NUM
ajis02-1923	171	34	education	education	NOUN
ajis02-1923	171	35	high	high	ADJ
ajis02-1923	171	36	school	school	NOUN
ajis02-1923	171	37	4	4	NUM
ajis02-1923	171	38	1.0	1.0	NUM
ajis02-1923	171	39	undergraduate	undergraduate	NOUN
ajis02-1923	171	40	20	20	NUM
ajis02-1923	171	41	4.8	4.8	NUM
ajis02-1923	171	42	graduate	graduate	NOUN
ajis02-1923	171	43	256	256	NUM
ajis02-1923	171	44	61.5	61.5	NUM
ajis02-1923	171	45	post	post	ADJ
ajis02-1923	171	46	-	-	ADJ
ajis02-1923	171	47	graduate	graduate	ADJ
ajis02-1923	171	48	109	109	NUM
ajis02-1923	171	49	26.2	26.2	NUM
ajis02-1923	171	50	others	other	NOUN
ajis02-1923	171	51	27	27	NUM
ajis02-1923	171	52	6.5	6.5	NUM
ajis02-1923	171	53	income	income	NOUN
ajis02-1923	171	54	(	(	PUNCT
ajis02-1923	171	55	annual	annual	ADJ
ajis02-1923	171	56	)	)	PUNCT
ajis02-1923	171	57	<	<	X
ajis02-1923	171	58	inr	inr	PROPN
ajis02-1923	171	59	5l	5l	NUM
ajis02-1923	171	60	231	231	NUM
ajis02-1923	171	61	55.5	55.5	NUM
ajis02-1923	171	62	inr	inr	NOUN
ajis02-1923	171	63	5l-10l	5l-10l	NUM
ajis02-1923	171	64	93	93	NUM
ajis02-1923	171	65	22.4	22.4	NUM
ajis02-1923	171	66	inr	inr	NOUN
ajis02-1923	171	67	10l-15l	10l-15l	PROPN
ajis02-1923	171	68	57	57	NUM
ajis02-1923	171	69	13.7	13.7	NUM
ajis02-1923	171	70	inr	inr	PROPN
ajis02-1923	171	71	15l-20l	15l-20l	PROPN
ajis02-1923	171	72	22	22	NUM
ajis02-1923	171	73	5.3	5.3	NUM
ajis02-1923	171	74	>	>	PUNCT
ajis02-1923	171	75	inr	inr	PROPN
ajis02-1923	171	76	20l	20l	PROPN
ajis02-1923	171	77	13	13	NUM
ajis02-1923	171	78	3.1	3.1	NUM
ajis02-1923	171	79	internet	internet	NOUN
ajis02-1923	171	80	experience	experience	NOUN
ajis02-1923	171	81	less	less	ADJ
ajis02-1923	171	82	than	than	ADP
ajis02-1923	171	83	2	2	NUM
ajis02-1923	171	84	year	year	NOUN
ajis02-1923	171	85	28	28	NUM
ajis02-1923	171	86	6.7	6.7	NUM
ajis02-1923	171	87	between	between	ADP
ajis02-1923	171	88	2	2	NUM
ajis02-1923	171	89	and	and	CCONJ
ajis02-1923	171	90	4	4	NUM
ajis02-1923	171	91	years	year	NOUN
ajis02-1923	171	92	51	51	NUM
ajis02-1923	171	93	12.3	12.3	NUM
ajis02-1923	171	94	between	between	ADP
ajis02-1923	171	95	4	4	NUM
ajis02-1923	171	96	and	and	CCONJ
ajis02-1923	171	97	6	6	NUM
ajis02-1923	171	98	years	year	NOUN
ajis02-1923	171	99	105	105	NUM
ajis02-1923	171	100	25.2	25.2	NUM
ajis02-1923	171	101	greater	great	ADJ
ajis02-1923	171	102	than	than	ADP
ajis02-1923	171	103	6	6	NUM
ajis02-1923	171	104	years	year	NOUN
ajis02-1923	171	105	232	232	NUM
ajis02-1923	171	106	55.8	55.8	NUM
ajis02-1923	171	107	internet	internet	NOUN
ajis02-1923	171	108	banking	banking	NOUN
ajis02-1923	171	109	experience	experience	NOUN
ajis02-1923	171	110	less	less	ADJ
ajis02-1923	171	111	than	than	ADP
ajis02-1923	171	112	2	2	NUM
ajis02-1923	171	113	year	year	NOUN
ajis02-1923	171	114	47	47	NUM
ajis02-1923	171	115	11.3	11.3	NUM
ajis02-1923	171	116	between	between	ADP
ajis02-1923	171	117	2	2	NUM
ajis02-1923	171	118	and	and	CCONJ
ajis02-1923	171	119	4	4	NUM
ajis02-1923	171	120	years	year	NOUN
ajis02-1923	171	121	131	131	NUM
ajis02-1923	171	122	31.5	31.5	NUM
ajis02-1923	171	123	between	between	ADP
ajis02-1923	171	124	4	4	NUM
ajis02-1923	171	125	and	and	CCONJ
ajis02-1923	171	126	6	6	NUM
ajis02-1923	171	127	years	year	NOUN
ajis02-1923	171	128	200	200	NUM
ajis02-1923	171	129	48.1	48.1	NUM
ajis02-1923	171	130	greater	great	ADJ
ajis02-1923	171	131	than	than	ADP
ajis02-1923	171	132	6	6	NUM
ajis02-1923	171	133	years	year	NOUN
ajis02-1923	171	134	38	38	NUM
ajis02-1923	171	135	9.1	9.1	NUM
ajis02-1923	171	136	table	table	NOUN
ajis02-1923	171	137	1	1	NUM
ajis02-1923	171	138	:	:	PUNCT
ajis02-1923	171	139	sample	sample	NOUN
ajis02-1923	171	140	profile	profile	NOUN
ajis02-1923	171	141	3.3	3.3	NUM
ajis02-1923	171	142	reliability	reliability	NOUN
ajis02-1923	171	143	and	and	CCONJ
ajis02-1923	171	144	construct	construct	VERB
ajis02-1923	171	145	validity	validity	NOUN
ajis02-1923	171	146	reliability	reliability	NOUN
ajis02-1923	171	147	of	of	ADP
ajis02-1923	171	148	the	the	DET
ajis02-1923	171	149	constructs	construct	NOUN
ajis02-1923	171	150	in	in	ADP
ajis02-1923	171	151	the	the	DET
ajis02-1923	171	152	model	model	NOUN
ajis02-1923	171	153	is	be	AUX
ajis02-1923	171	154	tested	test	VERB
ajis02-1923	171	155	using	use	VERB
ajis02-1923	171	156	cronbach	cronbach	NOUN
ajis02-1923	171	157	’s	’s	PART
ajis02-1923	171	158	alpha	alpha	NOUN
ajis02-1923	171	159	(	(	PUNCT
ajis02-1923	171	160	see	see	VERB
ajis02-1923	171	161	table	table	NOUN
ajis02-1923	171	162	2	2	NUM
ajis02-1923	171	163	)	)	PUNCT
ajis02-1923	171	164	and	and	CCONJ
ajis02-1923	171	165	composite	composite	ADJ
ajis02-1923	171	166	reliability	reliability	NOUN
ajis02-1923	171	167	.	.	PUNCT
ajis02-1923	172	1	an	an	DET
ajis02-1923	172	2	exploratory	exploratory	ADJ
ajis02-1923	172	3	factor	factor	NOUN
ajis02-1923	172	4	analysis	analysis	NOUN
ajis02-1923	172	5	(	(	PUNCT
ajis02-1923	172	6	efa	efa	PROPN
ajis02-1923	172	7	)	)	PUNCT
ajis02-1923	172	8	was	be	AUX
ajis02-1923	172	9	conducted	conduct	VERB
ajis02-1923	172	10	to	to	PART
ajis02-1923	172	11	validate	validate	VERB
ajis02-1923	172	12	the	the	DET
ajis02-1923	172	13	measurement	measurement	NOUN
ajis02-1923	172	14	model	model	NOUN
ajis02-1923	172	15	(	(	PUNCT
ajis02-1923	172	16	see	see	VERB
ajis02-1923	172	17	table	table	NOUN
ajis02-1923	172	18	3	3	NUM
ajis02-1923	172	19	)	)	PUNCT
ajis02-1923	172	20	.	.	PUNCT
ajis02-1923	173	1	two	two	NUM
ajis02-1923	173	2	items	item	NOUN
ajis02-1923	173	3	of	of	ADP
ajis02-1923	173	4	ibsds	ibsds	NOUN
ajis02-1923	173	5	process	process	NOUN
ajis02-1923	173	6	(	(	PUNCT
ajis02-1923	173	7	ibsdsp2	ibsdsp2	NOUN
ajis02-1923	173	8	&	&	CCONJ
ajis02-1923	173	9	ibsdsp5	ibsdsp5	PROPN
ajis02-1923	173	10	)	)	PUNCT
ajis02-1923	173	11	and	and	CCONJ
ajis02-1923	173	12	two	two	NUM
ajis02-1923	173	13	items	item	NOUN
ajis02-1923	173	14	of	of	ADP
ajis02-1923	173	15	perceived	perceive	VERB
ajis02-1923	173	16	value	value	NOUN
ajis02-1923	173	17	(	(	PUNCT
ajis02-1923	173	18	pv3	pv3	NOUN
ajis02-1923	173	19	&	&	CCONJ
ajis02-1923	173	20	pv5	pv5	NOUN
ajis02-1923	173	21	)	)	PUNCT
ajis02-1923	173	22	were	be	AUX
ajis02-1923	173	23	dropped	drop	VERB
ajis02-1923	173	24	due	due	ADJ
ajis02-1923	173	25	to	to	ADP
ajis02-1923	173	26	low	low	ADJ
ajis02-1923	173	27	factor	factor	NOUN
ajis02-1923	173	28	loading	loading	NOUN
ajis02-1923	173	29	(	(	PUNCT
ajis02-1923	173	30	loading	loading	NOUN
ajis02-1923	173	31	<	<	NOUN
ajis02-1923	173	32	0.5	0.5	NUM
ajis02-1923	173	33	)	)	PUNCT
ajis02-1923	173	34	.	.	PUNCT
ajis02-1923	174	1	australasian	australasian	ADJ
ajis02-1923	174	2	journal	journal	NOUN
ajis02-1923	174	3	of	of	ADP
ajis02-1923	174	4	information	information	NOUN
ajis02-1923	174	5	systems	system	NOUN
ajis02-1923	174	6	kumar	kumar	PROPN
ajis02-1923	174	7	,	,	PUNCT
ajis02-1923	174	8	sachan	sachan	PROPN
ajis02-1923	174	9	&	&	CCONJ
ajis02-1923	174	10	kumar	kumar	PROPN
ajis02-1923	174	11	2020	2020	PROPN
ajis02-1923	174	12	,	,	PUNCT
ajis02-1923	174	13	vol	vol	NOUN
ajis02-1923	174	14	24	24	NUM
ajis02-1923	174	15	,	,	PUNCT
ajis02-1923	174	16	research	research	NOUN
ajis02-1923	174	17	article	article	NOUN
ajis02-1923	174	18	service	service	NOUN
ajis02-1923	174	19	delivery	delivery	NOUN
ajis02-1923	174	20	and	and	CCONJ
ajis02-1923	174	21	perceived	perceive	VERB
ajis02-1923	174	22	value	value	NOUN
ajis02-1923	174	23	in	in	ADP
ajis02-1923	174	24	internet	internet	NOUN
ajis02-1923	174	25	banking	banking	NOUN
ajis02-1923	174	26	adoption	adoption	NOUN
ajis02-1923	174	27	10	10	NUM
ajis02-1923	174	28	convergent	convergent	ADJ
ajis02-1923	174	29	validity	validity	NOUN
ajis02-1923	174	30	of	of	ADP
ajis02-1923	174	31	the	the	DET
ajis02-1923	174	32	constructs	construct	NOUN
ajis02-1923	174	33	was	be	AUX
ajis02-1923	174	34	estimated	estimate	VERB
ajis02-1923	174	35	by	by	ADP
ajis02-1923	174	36	the	the	DET
ajis02-1923	174	37	average	average	ADJ
ajis02-1923	174	38	variance	variance	NOUN
ajis02-1923	174	39	extracted	extract	VERB
ajis02-1923	174	40	(	(	PUNCT
ajis02-1923	174	41	see	see	VERB
ajis02-1923	174	42	table	table	NOUN
ajis02-1923	174	43	4	4	NUM
ajis02-1923	174	44	)	)	PUNCT
ajis02-1923	174	45	.	.	PUNCT
ajis02-1923	175	1	the	the	DET
ajis02-1923	175	2	cronbach	cronbach	NOUN
ajis02-1923	175	3	’s	’s	PART
ajis02-1923	175	4	alpha	alpha	NOUN
ajis02-1923	175	5	and	and	CCONJ
ajis02-1923	175	6	composite	composite	ADJ
ajis02-1923	175	7	reliability	reliability	NOUN
ajis02-1923	175	8	for	for	ADP
ajis02-1923	175	9	all	all	DET
ajis02-1923	175	10	constructs	construct	NOUN
ajis02-1923	175	11	were	be	AUX
ajis02-1923	175	12	found	find	VERB
ajis02-1923	175	13	to	to	PART
ajis02-1923	175	14	be	be	AUX
ajis02-1923	175	15	above	above	ADP
ajis02-1923	175	16	the	the	DET
ajis02-1923	175	17	recommended	recommend	VERB
ajis02-1923	175	18	0.70	0.70	NUM
ajis02-1923	175	19	level	level	NOUN
ajis02-1923	175	20	(	(	PUNCT
ajis02-1923	175	21	hair	hair	NOUN
ajis02-1923	175	22	,	,	PUNCT
ajis02-1923	175	23	black	black	ADJ
ajis02-1923	175	24	,	,	PUNCT
ajis02-1923	175	25	babin	babin	PROPN
ajis02-1923	175	26	,	,	PUNCT
ajis02-1923	175	27	anderson	anderson	PROPN
ajis02-1923	175	28	,	,	PUNCT
ajis02-1923	175	29	&	&	CCONJ
ajis02-1923	175	30	tatham	tatham	NOUN
ajis02-1923	175	31	,	,	PUNCT
ajis02-1923	175	32	2006	2006	NUM
ajis02-1923	175	33	)	)	PUNCT
ajis02-1923	175	34	.	.	PUNCT
ajis02-1923	176	1	aves	ave	NOUN
ajis02-1923	176	2	of	of	ADP
ajis02-1923	176	3	all	all	DET
ajis02-1923	176	4	constructs	construct	NOUN
ajis02-1923	176	5	were	be	AUX
ajis02-1923	176	6	found	find	VERB
ajis02-1923	176	7	to	to	PART
ajis02-1923	176	8	be	be	AUX
ajis02-1923	176	9	above	above	ADP
ajis02-1923	176	10	the	the	DET
ajis02-1923	176	11	recommended	recommend	VERB
ajis02-1923	176	12	0.50	0.50	NUM
ajis02-1923	176	13	level	level	NOUN
ajis02-1923	176	14	(	(	PUNCT
ajis02-1923	176	15	fornell	fornell	PROPN
ajis02-1923	176	16	&	&	CCONJ
ajis02-1923	176	17	larcker	larcker	PROPN
ajis02-1923	176	18	,	,	PUNCT
ajis02-1923	176	19	1981	1981	NUM
ajis02-1923	176	20	)	)	PUNCT
ajis02-1923	176	21	,	,	PUNCT
ajis02-1923	176	22	which	which	PRON
ajis02-1923	176	23	meant	mean	VERB
ajis02-1923	176	24	that	that	SCONJ
ajis02-1923	176	25	more	more	ADJ
ajis02-1923	176	26	than	than	ADP
ajis02-1923	176	27	half	half	NOUN
ajis02-1923	176	28	of	of	ADP
ajis02-1923	176	29	the	the	DET
ajis02-1923	176	30	variances	variance	NOUN
ajis02-1923	176	31	observed	observe	VERB
ajis02-1923	176	32	in	in	ADP
ajis02-1923	176	33	the	the	DET
ajis02-1923	176	34	items	item	NOUN
ajis02-1923	176	35	are	be	AUX
ajis02-1923	176	36	accounted	account	VERB
ajis02-1923	176	37	for	for	ADP
ajis02-1923	176	38	by	by	ADP
ajis02-1923	176	39	their	their	PRON
ajis02-1923	176	40	hypothesized	hypothesized	ADJ
ajis02-1923	176	41	constructs	construct	NOUN
ajis02-1923	176	42	(	(	PUNCT
ajis02-1923	176	43	chang	chang	PROPN
ajis02-1923	176	44	et	et	PROPN
ajis02-1923	176	45	al	al	PROPN
ajis02-1923	176	46	.	.	PROPN
ajis02-1923	176	47	,	,	PUNCT
ajis02-1923	176	48	2009	2009	NUM
ajis02-1923	176	49	)	)	PUNCT
ajis02-1923	176	50	.	.	PUNCT
ajis02-1923	177	1	convergent	convergent	NOUN
ajis02-1923	177	2	validity	validity	NOUN
ajis02-1923	177	3	can	can	AUX
ajis02-1923	177	4	also	also	ADV
ajis02-1923	177	5	be	be	AUX
ajis02-1923	177	6	assessed	assess	VERB
ajis02-1923	177	7	by	by	ADP
ajis02-1923	177	8	factor	factor	NOUN
ajis02-1923	177	9	loading	loading	NOUN
ajis02-1923	177	10	.	.	PUNCT
ajis02-1923	178	1	all	all	DET
ajis02-1923	178	2	the	the	DET
ajis02-1923	178	3	factor	factor	NOUN
ajis02-1923	178	4	loadings	loading	NOUN
ajis02-1923	178	5	of	of	ADP
ajis02-1923	178	6	the	the	DET
ajis02-1923	178	7	items	item	NOUN
ajis02-1923	178	8	in	in	ADP
ajis02-1923	178	9	the	the	DET
ajis02-1923	178	10	research	research	NOUN
ajis02-1923	178	11	model	model	NOUN
ajis02-1923	178	12	were	be	AUX
ajis02-1923	178	13	greater	great	ADJ
ajis02-1923	178	14	than	than	ADP
ajis02-1923	178	15	0.70	0.70	NUM
ajis02-1923	178	16	,	,	PUNCT
ajis02-1923	178	17	which	which	PRON
ajis02-1923	178	18	also	also	ADV
ajis02-1923	178	19	confirms	confirm	VERB
ajis02-1923	178	20	the	the	DET
ajis02-1923	178	21	convergent	convergent	NOUN
ajis02-1923	178	22	validity	validity	NOUN
ajis02-1923	178	23	.	.	PUNCT
ajis02-1923	179	1	therefore	therefore	ADV
ajis02-1923	179	2	,	,	PUNCT
ajis02-1923	179	3	all	all	PRON
ajis02-1923	179	4	constructs	construct	NOUN
ajis02-1923	179	5	in	in	ADP
ajis02-1923	179	6	the	the	DET
ajis02-1923	179	7	model	model	NOUN
ajis02-1923	179	8	have	have	VERB
ajis02-1923	179	9	adequate	adequate	ADJ
ajis02-1923	179	10	reliability	reliability	NOUN
ajis02-1923	179	11	and	and	CCONJ
ajis02-1923	179	12	convergent	convergent	NOUN
ajis02-1923	179	13	validity	validity	NOUN
ajis02-1923	179	14	.	.	PUNCT
ajis02-1923	180	1	dimensions	dimension	NOUN
ajis02-1923	180	2	cronbach	cronbach	VERB
ajis02-1923	180	3	’s	’s	PART
ajis02-1923	180	4	alpha	alpha	ADJ
ajis02-1923	180	5	composite	composite	ADJ
ajis02-1923	180	6	reliability	reliability	NOUN
ajis02-1923	180	7	(	(	PUNCT
ajis02-1923	180	8	cr	cr	NOUN
ajis02-1923	180	9	)	)	PUNCT
ajis02-1923	180	10	ibsds	ibsds	NOUN
ajis02-1923	180	11	process	process	NOUN
ajis02-1923	180	12	0.800	0.800	NUM
ajis02-1923	180	13	0.856	0.856	NUM
ajis02-1923	180	14	cs	cs	NOUN
ajis02-1923	180	15	0.899	0.899	NUM
ajis02-1923	180	16	0.826	0.826	NUM
ajis02-1923	180	17	pv	pv	NOUN
ajis02-1923	180	18	0.900	0.900	NUM
ajis02-1923	180	19	0.826	0.826	NUM
ajis02-1923	180	20	bi	bi	NOUN
ajis02-1923	180	21	0.780	0.780	NUM
ajis02-1923	180	22	0.865	0.865	NUM
ajis02-1923	180	23	table	table	NOUN
ajis02-1923	180	24	2	2	NUM
ajis02-1923	180	25	:	:	PUNCT
ajis02-1923	180	26	reliability	reliability	NOUN
ajis02-1923	180	27	test	test	NOUN
ajis02-1923	180	28	of	of	ADP
ajis02-1923	180	29	the	the	DET
ajis02-1923	180	30	constructs	construct	NOUN
ajis02-1923	180	31	rotated	rotate	VERB
ajis02-1923	180	32	component	component	NOUN
ajis02-1923	180	33	matrixa	matrixa	PROPN
ajis02-1923	180	34	component	component	NOUN
ajis02-1923	180	35	1	1	NUM
ajis02-1923	180	36	2	2	NUM
ajis02-1923	180	37	3	3	NUM
ajis02-1923	180	38	4	4	NUM
ajis02-1923	180	39	pv1	pv1	VERB
ajis02-1923	180	40	.606	.606	ADJ
ajis02-1923	180	41	pv2	pv2	NOUN
ajis02-1923	180	42	.752	.752	NUM
ajis02-1923	180	43	pv5	pv5	NOUN
ajis02-1923	180	44	.810	.810	NUM
ajis02-1923	180	45	pv6	pv6	PROPN
ajis02-1923	180	46	.772	.772	PROPN
ajis02-1923	180	47	cs1	cs1	PROPN
ajis02-1923	180	48	.321	.321	NUM
ajis02-1923	180	49	.745	.745	PROPN
ajis02-1923	180	50	cs3	cs3	PROPN
ajis02-1923	180	51	.809	.809	NUM
ajis02-1923	180	52	cs4	cs4	PROPN
ajis02-1923	180	53	.794	.794	NOUN
ajis02-1923	181	1	ibsdsp1	ibsdsp1	NOUN
ajis02-1923	181	2	.839	.839	NUM
ajis02-1923	182	1	ibsdsp3	ibsdsp3	ADV
ajis02-1923	182	2	.860	.860	PRON
ajis02-1923	183	1	ibsdsp4	ibsdsp4	X
ajis02-1923	183	2	.421	.421	NUM
ajis02-1923	183	3	.690	.690	NUM
ajis02-1923	183	4	ibsdsp6	ibsdsp6	PROPN
ajis02-1923	183	5	.376	.376	NUM
ajis02-1923	183	6	.694	.694	NUM
ajis02-1923	183	7	bi1	bi1	PROPN
ajis02-1923	183	8	.815	.815	NUM
ajis02-1923	184	1	bi2	bi2	PROPN
ajis02-1923	184	2	.874	.874	NUM
ajis02-1923	185	1	bi3	bi3	PROPN
ajis02-1923	185	2	.335	.335	NUM
ajis02-1923	185	3	.786	.786	NUM
ajis02-1923	185	4	extraction	extraction	NOUN
ajis02-1923	185	5	method	method	NOUN
ajis02-1923	185	6	:	:	PUNCT
ajis02-1923	185	7	principal	principal	ADJ
ajis02-1923	185	8	component	component	NOUN
ajis02-1923	185	9	analysis	analysis	NOUN
ajis02-1923	185	10	.	.	PUNCT
ajis02-1923	186	1	rotation	rotation	NOUN
ajis02-1923	186	2	method	method	NOUN
ajis02-1923	186	3	:	:	PUNCT
ajis02-1923	186	4	varimax	varimax	PROPN
ajis02-1923	186	5	with	with	ADP
ajis02-1923	186	6	kaiser	kaiser	PROPN
ajis02-1923	186	7	normalization	normalization	PROPN
ajis02-1923	186	8	.	.	PUNCT
ajis02-1923	187	1	a.	a.	NOUN
ajis02-1923	187	2	rotation	rotation	PROPN
ajis02-1923	187	3	converged	converge	VERB
ajis02-1923	187	4	in	in	ADP
ajis02-1923	187	5	5	5	NUM
ajis02-1923	187	6	iterations	iteration	NOUN
ajis02-1923	187	7	.	.	PUNCT
ajis02-1923	188	1	table	table	NOUN
ajis02-1923	188	2	3	3	NUM
ajis02-1923	188	3	:	:	PUNCT
ajis02-1923	188	4	exploratory	exploratory	ADJ
ajis02-1923	188	5	factor	factor	NOUN
ajis02-1923	188	6	analysis	analysis	NOUN
ajis02-1923	188	7	table	table	NOUN
ajis02-1923	188	8	4	4	NUM
ajis02-1923	188	9	shows	show	VERB
ajis02-1923	188	10	the	the	DET
ajis02-1923	188	11	correlations	correlation	NOUN
ajis02-1923	188	12	between	between	ADP
ajis02-1923	188	13	all	all	DET
ajis02-1923	188	14	constructs	construct	NOUN
ajis02-1923	188	15	in	in	ADP
ajis02-1923	188	16	the	the	DET
ajis02-1923	188	17	model	model	NOUN
ajis02-1923	188	18	.	.	PUNCT
ajis02-1923	189	1	none	none	NOUN
ajis02-1923	189	2	of	of	ADP
ajis02-1923	189	3	the	the	DET
ajis02-1923	189	4	correlation	correlation	NOUN
ajis02-1923	189	5	values	value	NOUN
ajis02-1923	189	6	exceed	exceed	VERB
ajis02-1923	189	7	the	the	DET
ajis02-1923	189	8	0.80	0.80	NUM
ajis02-1923	189	9	cut	cut	NOUN
ajis02-1923	189	10	-	-	PUNCT
ajis02-1923	189	11	offs	off	NOUN
ajis02-1923	189	12	proposed	propose	VERB
ajis02-1923	189	13	by	by	ADP
ajis02-1923	189	14	hair	hair	NOUN
ajis02-1923	189	15	et	et	PROPN
ajis02-1923	189	16	al	al	PROPN
ajis02-1923	189	17	.	.	PROPN
ajis02-1923	190	1	(	(	PUNCT
ajis02-1923	190	2	2006	2006	NUM
ajis02-1923	190	3	)	)	PUNCT
ajis02-1923	190	4	.	.	PUNCT
ajis02-1923	191	1	therefore	therefore	ADV
ajis02-1923	191	2	,	,	PUNCT
ajis02-1923	191	3	it	it	PRON
ajis02-1923	191	4	passes	pass	VERB
ajis02-1923	191	5	the	the	DET
ajis02-1923	191	6	multicollinearity	multicollinearity	NOUN
ajis02-1923	191	7	test	test	NOUN
ajis02-1923	191	8	.	.	PUNCT
ajis02-1923	192	1	the	the	DET
ajis02-1923	192	2	diagonal	diagonal	ADJ
ajis02-1923	192	3	elements	element	NOUN
ajis02-1923	192	4	represent	represent	VERB
ajis02-1923	192	5	the	the	DET
ajis02-1923	192	6	square	square	ADJ
ajis02-1923	192	7	root	root	NOUN
ajis02-1923	192	8	of	of	ADP
ajis02-1923	192	9	ave	ave	PROPN
ajis02-1923	192	10	,	,	PUNCT
ajis02-1923	192	11	and	and	CCONJ
ajis02-1923	192	12	all	all	PRON
ajis02-1923	192	13	are	be	AUX
ajis02-1923	192	14	found	find	VERB
ajis02-1923	192	15	to	to	PART
ajis02-1923	192	16	be	be	AUX
ajis02-1923	192	17	greater	great	ADJ
ajis02-1923	192	18	than	than	ADP
ajis02-1923	192	19	the	the	DET
ajis02-1923	192	20	correlation	correlation	NOUN
ajis02-1923	192	21	values	value	NOUN
ajis02-1923	192	22	of	of	ADP
ajis02-1923	192	23	the	the	DET
ajis02-1923	192	24	corresponding	correspond	VERB
ajis02-1923	192	25	column	column	NOUN
ajis02-1923	192	26	and	and	CCONJ
ajis02-1923	192	27	row	row	NOUN
ajis02-1923	192	28	,	,	PUNCT
ajis02-1923	192	29	which	which	PRON
ajis02-1923	192	30	confirms	confirm	VERB
ajis02-1923	192	31	discriminant	discriminant	ADJ
ajis02-1923	192	32	validity	validity	NOUN
ajis02-1923	192	33	.	.	PUNCT
ajis02-1923	193	1	the	the	DET
ajis02-1923	193	2	reliability	reliability	NOUN
ajis02-1923	193	3	and	and	CCONJ
ajis02-1923	193	4	validity	validity	NOUN
ajis02-1923	193	5	test	test	NOUN
ajis02-1923	193	6	suggest	suggest	VERB
ajis02-1923	193	7	that	that	SCONJ
ajis02-1923	193	8	the	the	DET
ajis02-1923	193	9	constructs	construct	NOUN
ajis02-1923	193	10	are	be	AUX
ajis02-1923	193	11	suitable	suitable	ADJ
ajis02-1923	193	12	for	for	ADP
ajis02-1923	193	13	further	further	ADJ
ajis02-1923	193	14	analysis	analysis	NOUN
ajis02-1923	193	15	(	(	PUNCT
ajis02-1923	193	16	butcher	butcher	NOUN
ajis02-1923	193	17	,	,	PUNCT
ajis02-1923	193	18	sparks	spark	NOUN
ajis02-1923	193	19	,	,	PUNCT
ajis02-1923	193	20	&	&	CCONJ
ajis02-1923	193	21	o’callaghan	o’callaghan	PROPN
ajis02-1923	193	22	,	,	PUNCT
ajis02-1923	193	23	2002	2002	NUM
ajis02-1923	193	24	)	)	PUNCT
ajis02-1923	193	25	.	.	PUNCT
ajis02-1923	194	1	australasian	australasian	ADJ
ajis02-1923	194	2	journal	journal	NOUN
ajis02-1923	194	3	of	of	ADP
ajis02-1923	194	4	information	information	NOUN
ajis02-1923	194	5	systems	system	NOUN
ajis02-1923	194	6	kumar	kumar	PROPN
ajis02-1923	194	7	,	,	PUNCT
ajis02-1923	194	8	sachan	sachan	PROPN
ajis02-1923	194	9	&	&	CCONJ
ajis02-1923	194	10	kumar	kumar	PROPN
ajis02-1923	194	11	2020	2020	PROPN
ajis02-1923	194	12	,	,	PUNCT
ajis02-1923	194	13	vol	vol	NOUN
ajis02-1923	194	14	24	24	NUM
ajis02-1923	194	15	,	,	PUNCT
ajis02-1923	194	16	research	research	NOUN
ajis02-1923	194	17	article	article	NOUN
ajis02-1923	194	18	service	service	NOUN
ajis02-1923	194	19	delivery	delivery	NOUN
ajis02-1923	194	20	and	and	CCONJ
ajis02-1923	194	21	perceived	perceive	VERB
ajis02-1923	194	22	value	value	NOUN
ajis02-1923	194	23	in	in	ADP
ajis02-1923	194	24	internet	internet	NOUN
ajis02-1923	194	25	banking	banking	NOUN
ajis02-1923	194	26	adoption	adoption	NOUN
ajis02-1923	194	27	11	11	NUM
ajis02-1923	194	28	constructs	construct	VERB
ajis02-1923	194	29	ibsds	ibsds	NOUN
ajis02-1923	194	30	process	process	NOUN
ajis02-1923	194	31	pv	pv	INTJ
ajis02-1923	195	1	cs	cs	PROPN
ajis02-1923	195	2	bi	bi	PROPN
ajis02-1923	195	3	ibsds	ibsds	PROPN
ajis02-1923	195	4	process	process	NOUN
ajis02-1923	195	5	0.775	0.775	NUM
ajis02-1923	195	6	pv	pv	NOUN
ajis02-1923	195	7	.519	.519	NUM
ajis02-1923	195	8	*	*	PUNCT
ajis02-1923	195	9	*	*	PUNCT
ajis02-1923	195	10	0.739	0.739	NUM
ajis02-1923	195	11	cs	cs	PROPN
ajis02-1923	195	12	.395	.395	NUM
ajis02-1923	195	13	*	*	PROPN
ajis02-1923	195	14	*	*	PUNCT
ajis02-1923	195	15	.516	.516	NUM
ajis02-1923	195	16	*	*	PUNCT
ajis02-1923	196	1	*	*	PUNCT
ajis02-1923	196	2	0.783	0.783	NUM
ajis02-1923	196	3	bi	bi	NOUN
ajis02-1923	196	4	.389	.389	NUM
ajis02-1923	196	5	*	*	PROPN
ajis02-1923	196	6	*	*	NOUN
ajis02-1923	196	7	.526	.526	NUM
ajis02-1923	196	8	*	*	PUNCT
ajis02-1923	196	9	*	*	PUNCT
ajis02-1923	196	10	.498	.498	NUM
ajis02-1923	196	11	*	*	PUNCT
ajis02-1923	196	12	*	*	PUNCT
ajis02-1923	196	13	0.826	0.826	NUM
ajis02-1923	196	14	table	table	NOUN
ajis02-1923	196	15	4	4	NUM
ajis02-1923	196	16	:	:	PUNCT
ajis02-1923	196	17	constructs	construct	VERB
ajis02-1923	196	18	correlation	correlation	NOUN
ajis02-1923	196	19	matrix	matrix	NOUN
ajis02-1923	196	20	3.4	3.4	NUM
ajis02-1923	196	21	data	datum	NOUN
ajis02-1923	196	22	analysis	analysis	NOUN
ajis02-1923	196	23	procedure	procedure	NOUN
ajis02-1923	196	24	and	and	CCONJ
ajis02-1923	196	25	methods	method	NOUN
ajis02-1923	196	26	the	the	DET
ajis02-1923	196	27	study	study	NOUN
ajis02-1923	196	28	uses	use	VERB
ajis02-1923	196	29	mediated	mediate	VERB
ajis02-1923	196	30	regression	regression	NOUN
ajis02-1923	196	31	to	to	PART
ajis02-1923	196	32	examine	examine	VERB
ajis02-1923	196	33	the	the	DET
ajis02-1923	196	34	direct	direct	ADJ
ajis02-1923	196	35	effects	effect	NOUN
ajis02-1923	196	36	of	of	ADP
ajis02-1923	196	37	the	the	DET
ajis02-1923	196	38	ibsds	ibsds	NOUN
ajis02-1923	196	39	process	process	NOUN
ajis02-1923	196	40	on	on	ADP
ajis02-1923	196	41	customer	customer	NOUN
ajis02-1923	196	42	satisfaction	satisfaction	NOUN
ajis02-1923	196	43	and	and	CCONJ
ajis02-1923	196	44	behavioural	behavioural	ADJ
ajis02-1923	196	45	intention	intention	NOUN
ajis02-1923	196	46	,	,	PUNCT
ajis02-1923	196	47	and	and	CCONJ
ajis02-1923	196	48	the	the	DET
ajis02-1923	196	49	mediating	mediate	VERB
ajis02-1923	196	50	effect	effect	NOUN
ajis02-1923	196	51	of	of	ADP
ajis02-1923	196	52	overall	overall	ADJ
ajis02-1923	196	53	customer	customer	NOUN
ajis02-1923	196	54	satisfaction	satisfaction	NOUN
ajis02-1923	196	55	on	on	ADP
ajis02-1923	196	56	the	the	DET
ajis02-1923	196	57	association	association	NOUN
ajis02-1923	196	58	between	between	ADP
ajis02-1923	196	59	ibsds	ibsds	NOUN
ajis02-1923	196	60	process	process	NOUN
ajis02-1923	196	61	and	and	CCONJ
ajis02-1923	196	62	behavioural	behavioural	ADJ
ajis02-1923	196	63	intention	intention	NOUN
ajis02-1923	196	64	.	.	PUNCT
ajis02-1923	197	1	as	as	SCONJ
ajis02-1923	197	2	suggested	suggest	VERB
ajis02-1923	197	3	by	by	ADP
ajis02-1923	197	4	baron	baron	NOUN
ajis02-1923	197	5	&	&	CCONJ
ajis02-1923	197	6	kenny	kenny	PROPN
ajis02-1923	197	7	(	(	PUNCT
ajis02-1923	197	8	1986	1986	NUM
ajis02-1923	197	9	)	)	PUNCT
ajis02-1923	197	10	and	and	CCONJ
ajis02-1923	197	11	used	use	VERB
ajis02-1923	197	12	in	in	ADP
ajis02-1923	197	13	by	by	ADP
ajis02-1923	197	14	extant	extant	ADJ
ajis02-1923	197	15	study	study	NOUN
ajis02-1923	197	16	chang	chang	PROPN
ajis02-1923	197	17	&	&	CCONJ
ajis02-1923	197	18	polonsky	polonsky	PROPN
ajis02-1923	197	19	(	(	PUNCT
ajis02-1923	197	20	2012	2012	NUM
ajis02-1923	197	21	)	)	PUNCT
ajis02-1923	197	22	,	,	PUNCT
ajis02-1923	197	23	to	to	PART
ajis02-1923	197	24	test	test	VERB
ajis02-1923	197	25	for	for	ADP
ajis02-1923	197	26	mediation	mediation	NOUN
ajis02-1923	197	27	,	,	PUNCT
ajis02-1923	197	28	we	we	PRON
ajis02-1923	197	29	have	have	AUX
ajis02-1923	197	30	estimated	estimate	VERB
ajis02-1923	197	31	following	follow	VERB
ajis02-1923	197	32	four	four	NUM
ajis02-1923	197	33	regression	regression	NOUN
ajis02-1923	197	34	equations	equation	NOUN
ajis02-1923	197	35	:	:	PUNCT
ajis02-1923	197	36	1	1	X
ajis02-1923	197	37	)	)	PUNCT
ajis02-1923	197	38	regressing	regress	VERB
ajis02-1923	197	39	the	the	DET
ajis02-1923	197	40	mediator	mediator	NOUN
ajis02-1923	197	41	(	(	PUNCT
ajis02-1923	197	42	customer	customer	NOUN
ajis02-1923	197	43	satisfaction	satisfaction	NOUN
ajis02-1923	197	44	)	)	PUNCT
ajis02-1923	197	45	on	on	ADP
ajis02-1923	197	46	the	the	DET
ajis02-1923	197	47	independent	independent	ADJ
ajis02-1923	197	48	variable	variable	NOUN
ajis02-1923	197	49	(	(	PUNCT
ajis02-1923	197	50	ibsds	ibsds	NOUN
ajis02-1923	197	51	process	process	NOUN
ajis02-1923	197	52	)	)	PUNCT
ajis02-1923	197	53	;	;	PUNCT
ajis02-1923	197	54	2	2	X
ajis02-1923	197	55	)	)	PUNCT
ajis02-1923	197	56	regressing	regress	VERB
ajis02-1923	197	57	the	the	DET
ajis02-1923	197	58	dependent	dependent	ADJ
ajis02-1923	197	59	variable	variable	NOUN
ajis02-1923	197	60	(	(	PUNCT
ajis02-1923	197	61	behavioural	behavioural	ADJ
ajis02-1923	197	62	intention	intention	NOUN
ajis02-1923	197	63	)	)	PUNCT
ajis02-1923	197	64	on	on	ADP
ajis02-1923	197	65	mediator	mediator	NOUN
ajis02-1923	197	66	(	(	PUNCT
ajis02-1923	197	67	customer	customer	NOUN
ajis02-1923	197	68	satisfaction	satisfaction	NOUN
ajis02-1923	197	69	)	)	PUNCT
ajis02-1923	197	70	;	;	PUNCT
ajis02-1923	197	71	3	3	X
ajis02-1923	197	72	)	)	PUNCT
ajis02-1923	197	73	regressing	regress	VERB
ajis02-1923	197	74	the	the	DET
ajis02-1923	197	75	dependent	dependent	ADJ
ajis02-1923	197	76	variable	variable	NOUN
ajis02-1923	197	77	(	(	PUNCT
ajis02-1923	197	78	behavioural	behavioural	ADJ
ajis02-1923	197	79	intention	intention	NOUN
ajis02-1923	197	80	)	)	PUNCT
ajis02-1923	197	81	on	on	ADP
ajis02-1923	197	82	the	the	DET
ajis02-1923	197	83	independent	independent	ADJ
ajis02-1923	197	84	variable	variable	NOUN
ajis02-1923	197	85	(	(	PUNCT
ajis02-1923	197	86	ibsds	ibsds	NOUN
ajis02-1923	197	87	process	process	NOUN
ajis02-1923	197	88	)	)	PUNCT
ajis02-1923	197	89	;	;	PUNCT
ajis02-1923	197	90	and	and	CCONJ
ajis02-1923	197	91	4	4	X
ajis02-1923	197	92	)	)	PUNCT
ajis02-1923	197	93	regressing	regress	VERB
ajis02-1923	197	94	the	the	DET
ajis02-1923	197	95	dependent	dependent	ADJ
ajis02-1923	197	96	variable	variable	NOUN
ajis02-1923	197	97	(	(	PUNCT
ajis02-1923	197	98	behavioural	behavioural	ADJ
ajis02-1923	197	99	intention	intention	NOUN
ajis02-1923	197	100	)	)	PUNCT
ajis02-1923	197	101	on	on	ADP
ajis02-1923	197	102	both	both	CCONJ
ajis02-1923	197	103	the	the	DET
ajis02-1923	197	104	independent	independent	ADJ
ajis02-1923	197	105	variable	variable	NOUN
ajis02-1923	197	106	(	(	PUNCT
ajis02-1923	197	107	ibsds	ibsds	NOUN
ajis02-1923	197	108	process	process	NOUN
ajis02-1923	197	109	)	)	PUNCT
ajis02-1923	197	110	and	and	CCONJ
ajis02-1923	197	111	the	the	DET
ajis02-1923	197	112	mediator	mediator	NOUN
ajis02-1923	197	113	(	(	PUNCT
ajis02-1923	197	114	customer	customer	NOUN
ajis02-1923	197	115	satisfaction	satisfaction	NOUN
ajis02-1923	197	116	)	)	PUNCT
ajis02-1923	197	117	.	.	PUNCT
ajis02-1923	198	1	we	we	PRON
ajis02-1923	198	2	have	have	AUX
ajis02-1923	198	3	estimated	estimate	VERB
ajis02-1923	198	4	and	and	CCONJ
ajis02-1923	198	5	tested	test	VERB
ajis02-1923	198	6	separate	separate	ADJ
ajis02-1923	198	7	coefficients	coefficient	NOUN
ajis02-1923	198	8	for	for	ADP
ajis02-1923	198	9	each	each	DET
ajis02-1923	198	10	equation	equation	NOUN
ajis02-1923	198	11	.	.	PUNCT
ajis02-1923	199	1	to	to	PART
ajis02-1923	199	2	test	test	VERB
ajis02-1923	199	3	for	for	ADP
ajis02-1923	199	4	mediation	mediation	NOUN
ajis02-1923	199	5	,	,	PUNCT
ajis02-1923	199	6	the	the	DET
ajis02-1923	199	7	following	follow	VERB
ajis02-1923	199	8	conditions	condition	NOUN
ajis02-1923	199	9	need	need	VERB
ajis02-1923	199	10	to	to	PART
ajis02-1923	199	11	be	be	AUX
ajis02-1923	199	12	met	meet	VERB
ajis02-1923	199	13	(	(	PUNCT
ajis02-1923	199	14	baron	baron	NOUN
ajis02-1923	199	15	&	&	CCONJ
ajis02-1923	199	16	kenny	kenny	PROPN
ajis02-1923	199	17	,	,	PUNCT
ajis02-1923	199	18	1986	1986	NUM
ajis02-1923	199	19	;	;	PUNCT
ajis02-1923	199	20	chang	chang	PROPN
ajis02-1923	199	21	&	&	CCONJ
ajis02-1923	199	22	polonsky	polonsky	PROPN
ajis02-1923	199	23	,	,	PUNCT
ajis02-1923	199	24	2012	2012	NUM
ajis02-1923	199	25	):	):	PUNCT
ajis02-1923	199	26	condition	condition	NOUN
ajis02-1923	199	27	1	1	NUM
ajis02-1923	199	28	:	:	PUNCT
ajis02-1923	199	29	there	there	PRON
ajis02-1923	199	30	is	be	VERB
ajis02-1923	199	31	a	a	DET
ajis02-1923	199	32	statistically	statistically	ADV
ajis02-1923	199	33	significant	significant	ADJ
ajis02-1923	199	34	relationship	relationship	NOUN
ajis02-1923	199	35	between	between	ADP
ajis02-1923	199	36	independent	independent	ADJ
ajis02-1923	199	37	variables	variable	NOUN
ajis02-1923	199	38	(	(	PUNCT
ajis02-1923	199	39	ibsds	ibsds	NOUN
ajis02-1923	199	40	process	process	NOUN
ajis02-1923	199	41	)	)	PUNCT
ajis02-1923	199	42	and	and	CCONJ
ajis02-1923	199	43	the	the	DET
ajis02-1923	199	44	mediating	mediate	VERB
ajis02-1923	199	45	variable	variable	NOUN
ajis02-1923	199	46	(	(	PUNCT
ajis02-1923	199	47	customer	customer	NOUN
ajis02-1923	199	48	satisfaction	satisfaction	NOUN
ajis02-1923	199	49	)	)	PUNCT
ajis02-1923	199	50	,	,	PUNCT
ajis02-1923	199	51	i.e.	i.e.	X
ajis02-1923	199	52	,	,	PUNCT
ajis02-1923	199	53	testing	testing	NOUN
ajis02-1923	199	54	h1	h1	NOUN
ajis02-1923	199	55	;	;	PUNCT
ajis02-1923	199	56	condition	condition	NOUN
ajis02-1923	199	57	2	2	NUM
ajis02-1923	199	58	:	:	PUNCT
ajis02-1923	199	59	there	there	PRON
ajis02-1923	199	60	is	be	VERB
ajis02-1923	199	61	a	a	DET
ajis02-1923	199	62	statistically	statistically	ADV
ajis02-1923	199	63	significant	significant	ADJ
ajis02-1923	199	64	relationship	relationship	NOUN
ajis02-1923	199	65	between	between	ADP
ajis02-1923	199	66	the	the	DET
ajis02-1923	199	67	mediating	mediate	VERB
ajis02-1923	199	68	variable	variable	NOUN
ajis02-1923	199	69	(	(	PUNCT
ajis02-1923	199	70	customer	customer	NOUN
ajis02-1923	199	71	satisfaction	satisfaction	NOUN
ajis02-1923	199	72	)	)	PUNCT
ajis02-1923	199	73	and	and	CCONJ
ajis02-1923	199	74	the	the	DET
ajis02-1923	199	75	outcome	outcome	NOUN
ajis02-1923	199	76	variable	variable	NOUN
ajis02-1923	199	77	(	(	PUNCT
ajis02-1923	199	78	behavioural	behavioural	ADJ
ajis02-1923	199	79	intention	intention	NOUN
ajis02-1923	199	80	)	)	PUNCT
ajis02-1923	199	81	,	,	PUNCT
ajis02-1923	199	82	i.e.	i.e.	X
ajis02-1923	199	83	,	,	PUNCT
ajis02-1923	199	84	testing	testing	NOUN
ajis02-1923	199	85	h2	h2	NOUN
ajis02-1923	199	86	;	;	PUNCT
ajis02-1923	199	87	condition	condition	NOUN
ajis02-1923	199	88	3	3	NUM
ajis02-1923	199	89	:	:	PUNCT
ajis02-1923	199	90	there	there	PRON
ajis02-1923	199	91	is	be	VERB
ajis02-1923	199	92	a	a	DET
ajis02-1923	199	93	statistically	statistically	ADV
ajis02-1923	199	94	significant	significant	ADJ
ajis02-1923	199	95	relationship	relationship	NOUN
ajis02-1923	199	96	between	between	ADP
ajis02-1923	199	97	independent	independent	ADJ
ajis02-1923	199	98	variables	variable	NOUN
ajis02-1923	199	99	and	and	CCONJ
ajis02-1923	199	100	the	the	DET
ajis02-1923	199	101	outcome	outcome	NOUN
ajis02-1923	199	102	variable	variable	NOUN
ajis02-1923	199	103	(	(	PUNCT
ajis02-1923	199	104	behavioural	behavioural	ADJ
ajis02-1923	199	105	intention	intention	NOUN
ajis02-1923	199	106	)	)	PUNCT
ajis02-1923	199	107	;	;	PUNCT
ajis02-1923	199	108	condition	condition	NOUN
ajis02-1923	199	109	4	4	NUM
ajis02-1923	199	110	:	:	PUNCT
ajis02-1923	199	111	the	the	DET
ajis02-1923	199	112	statistically	statistically	ADV
ajis02-1923	199	113	significant	significant	ADJ
ajis02-1923	199	114	relationship	relationship	NOUN
ajis02-1923	199	115	between	between	ADP
ajis02-1923	199	116	the	the	DET
ajis02-1923	199	117	independent	independent	ADJ
ajis02-1923	199	118	variables	variable	NOUN
ajis02-1923	199	119	(	(	PUNCT
ajis02-1923	199	120	ibsds	ibsds	NOUN
ajis02-1923	199	121	process	process	NOUN
ajis02-1923	199	122	,	,	PUNCT
ajis02-1923	199	123	as	as	ADP
ajis02-1923	199	124	per	per	ADP
ajis02-1923	199	125	condition	condition	NOUN
ajis02-1923	199	126	1	1	NUM
ajis02-1923	199	127	)	)	PUNCT
ajis02-1923	199	128	and	and	CCONJ
ajis02-1923	199	129	the	the	DET
ajis02-1923	199	130	outcome	outcome	NOUN
ajis02-1923	199	131	variable	variable	NOUN
ajis02-1923	199	132	(	(	PUNCT
ajis02-1923	199	133	behavioural	behavioural	ADJ
ajis02-1923	199	134	intention	intention	NOUN
ajis02-1923	199	135	)	)	PUNCT
ajis02-1923	199	136	changes	change	NOUN
ajis02-1923	199	137	as	as	ADP
ajis02-1923	199	138	a	a	DET
ajis02-1923	199	139	result	result	NOUN
ajis02-1923	199	140	of	of	ADP
ajis02-1923	199	141	including	include	VERB
ajis02-1923	199	142	the	the	DET
ajis02-1923	199	143	mediating	mediate	VERB
ajis02-1923	199	144	variable	variable	NOUN
ajis02-1923	199	145	(	(	PUNCT
ajis02-1923	199	146	customer	customer	NOUN
ajis02-1923	199	147	satisfaction	satisfaction	NOUN
ajis02-1923	199	148	)	)	PUNCT
ajis02-1923	199	149	,	,	PUNCT
ajis02-1923	199	150	i.e.	i.e.	X
ajis02-1923	199	151	,	,	PUNCT
ajis02-1923	199	152	testing	testing	NOUN
ajis02-1923	199	153	h3	h3	NOUN
ajis02-1923	199	154	.	.	PUNCT
ajis02-1923	200	1	based	base	VERB
ajis02-1923	200	2	on	on	ADP
ajis02-1923	200	3	the	the	DET
ajis02-1923	200	4	above	above	ADJ
ajis02-1923	200	5	conditions	condition	NOUN
ajis02-1923	200	6	,	,	PUNCT
ajis02-1923	200	7	we	we	PRON
ajis02-1923	200	8	find	find	VERB
ajis02-1923	200	9	the	the	DET
ajis02-1923	200	10	outcomes	outcome	NOUN
ajis02-1923	200	11	described	describe	VERB
ajis02-1923	200	12	below	below	ADP
ajis02-1923	200	13	:	:	PUNCT
ajis02-1923	200	14	•	•	NUM
ajis02-1923	200	15	fully	fully	ADV
ajis02-1923	200	16	mediated	mediate	VERB
ajis02-1923	200	17	:	:	PUNCT
ajis02-1923	200	18	if	if	SCONJ
ajis02-1923	200	19	the	the	DET
ajis02-1923	200	20	independent	independent	ADJ
ajis02-1923	200	21	variables	variable	NOUN
ajis02-1923	200	22	become	become	VERB
ajis02-1923	200	23	statistically	statistically	ADV
ajis02-1923	200	24	non	non	ADJ
ajis02-1923	200	25	-	-	ADJ
ajis02-1923	200	26	significant	significant	ADJ
ajis02-1923	200	27	in	in	ADP
ajis02-1923	200	28	condition	condition	NOUN
ajis02-1923	200	29	4	4	NUM
ajis02-1923	200	30	(	(	PUNCT
ajis02-1923	200	31	whereas	whereas	SCONJ
ajis02-1923	200	32	they	they	PRON
ajis02-1923	200	33	were	be	AUX
ajis02-1923	200	34	significant	significant	ADJ
ajis02-1923	200	35	in	in	ADP
ajis02-1923	200	36	condition	condition	NOUN
ajis02-1923	200	37	3	3	NUM
ajis02-1923	200	38	)	)	PUNCT
ajis02-1923	200	39	(	(	PUNCT
ajis02-1923	200	40	baron	baron	NOUN
ajis02-1923	200	41	&	&	CCONJ
ajis02-1923	200	42	kenny	kenny	PROPN
ajis02-1923	200	43	,	,	PUNCT
ajis02-1923	200	44	1986	1986	NUM
ajis02-1923	200	45	;	;	PUNCT
ajis02-1923	200	46	chang	chang	PROPN
ajis02-1923	200	47	&	&	CCONJ
ajis02-1923	200	48	polonsky	polonsky	PROPN
ajis02-1923	200	49	,	,	PUNCT
ajis02-1923	200	50	2012	2012	NUM
ajis02-1923	200	51	)	)	PUNCT
ajis02-1923	200	52	.	.	PUNCT
ajis02-1923	201	1	•	•	ADV
ajis02-1923	201	2	partially	partially	ADV
ajis02-1923	201	3	mediated	mediate	VERB
ajis02-1923	201	4	:	:	PUNCT
ajis02-1923	201	5	if	if	SCONJ
ajis02-1923	201	6	the	the	DET
ajis02-1923	201	7	independent	independent	ADJ
ajis02-1923	201	8	variables	variable	NOUN
ajis02-1923	201	9	remain	remain	VERB
ajis02-1923	201	10	statistically	statistically	ADV
ajis02-1923	201	11	significant	significant	ADJ
ajis02-1923	201	12	,	,	PUNCT
ajis02-1923	201	13	but	but	CCONJ
ajis02-1923	201	14	their	their	PRON
ajis02-1923	201	15	influence	influence	NOUN
ajis02-1923	201	16	is	be	AUX
ajis02-1923	201	17	reduced	reduce	VERB
ajis02-1923	201	18	,	,	PUNCT
ajis02-1923	201	19	they	they	PRON
ajis02-1923	201	20	are	be	AUX
ajis02-1923	201	21	partially	partially	ADV
ajis02-1923	201	22	mediated	mediate	VERB
ajis02-1923	201	23	(	(	PUNCT
ajis02-1923	201	24	olkin	olkin	PROPN
ajis02-1923	201	25	&	&	CCONJ
ajis02-1923	201	26	finn	finn	PROPN
ajis02-1923	201	27	,	,	PUNCT
ajis02-1923	201	28	1995	1995	NUM
ajis02-1923	201	29	)	)	PUNCT
ajis02-1923	201	30	,	,	PUNCT
ajis02-1923	201	31	and	and	CCONJ
ajis02-1923	201	32	some	some	PRON
ajis02-1923	201	33	of	of	ADP
ajis02-1923	201	34	the	the	DET
ajis02-1923	201	35	effects	effect	NOUN
ajis02-1923	201	36	of	of	ADP
ajis02-1923	201	37	independent	independent	ADJ
ajis02-1923	201	38	variables	variable	NOUN
ajis02-1923	201	39	are	be	AUX
ajis02-1923	201	40	transferred	transfer	VERB
ajis02-1923	201	41	to	to	ADP
ajis02-1923	201	42	the	the	DET
ajis02-1923	201	43	mediator	mediator	NOUN
ajis02-1923	201	44	(	(	PUNCT
ajis02-1923	201	45	i.e.	i.e.	X
ajis02-1923	201	46	,	,	PUNCT
ajis02-1923	201	47	satisfaction	satisfaction	NOUN
ajis02-1923	201	48	)	)	PUNCT
ajis02-1923	201	49	(	(	PUNCT
ajis02-1923	201	50	baron	baron	NOUN
ajis02-1923	201	51	&	&	CCONJ
ajis02-1923	201	52	kenny	kenny	PROPN
ajis02-1923	201	53	,	,	PUNCT
ajis02-1923	201	54	1986	1986	NUM
ajis02-1923	201	55	;	;	PUNCT
ajis02-1923	201	56	chang	chang	PROPN
ajis02-1923	201	57	&	&	CCONJ
ajis02-1923	201	58	polonsky	polonsky	PROPN
ajis02-1923	201	59	,	,	PUNCT
ajis02-1923	201	60	2012	2012	NUM
ajis02-1923	201	61	)	)	PUNCT
ajis02-1923	201	62	.	.	PUNCT
ajis02-1923	202	1	australasian	australasian	ADJ
ajis02-1923	202	2	journal	journal	NOUN
ajis02-1923	202	3	of	of	ADP
ajis02-1923	202	4	information	information	NOUN
ajis02-1923	202	5	systems	system	NOUN
ajis02-1923	202	6	kumar	kumar	PROPN
ajis02-1923	202	7	,	,	PUNCT
ajis02-1923	202	8	sachan	sachan	PROPN
ajis02-1923	202	9	&	&	CCONJ
ajis02-1923	202	10	kumar	kumar	PROPN
ajis02-1923	202	11	2020	2020	PROPN
ajis02-1923	202	12	,	,	PUNCT
ajis02-1923	202	13	vol	vol	NOUN
ajis02-1923	202	14	24	24	NUM
ajis02-1923	202	15	,	,	PUNCT
ajis02-1923	202	16	research	research	NOUN
ajis02-1923	202	17	article	article	NOUN
ajis02-1923	202	18	service	service	NOUN
ajis02-1923	202	19	delivery	delivery	NOUN
ajis02-1923	202	20	and	and	CCONJ
ajis02-1923	202	21	perceived	perceive	VERB
ajis02-1923	202	22	value	value	NOUN
ajis02-1923	202	23	in	in	ADP
ajis02-1923	202	24	internet	internet	NOUN
ajis02-1923	202	25	banking	banking	NOUN
ajis02-1923	202	26	adoption	adoption	NOUN
ajis02-1923	202	27	12	12	NUM
ajis02-1923	202	28	to	to	PART
ajis02-1923	202	29	determine	determine	VERB
ajis02-1923	202	30	the	the	DET
ajis02-1923	202	31	moderation	moderation	NOUN
ajis02-1923	202	32	effect	effect	NOUN
ajis02-1923	202	33	,	,	PUNCT
ajis02-1923	202	34	process	process	NOUN
ajis02-1923	202	35	v2.16.3	v2.16.3	NOUN
ajis02-1923	202	36	by	by	ADP
ajis02-1923	202	37	andrew	andrew	PROPN
ajis02-1923	202	38	f.	f.	PROPN
ajis02-1923	202	39	hayes	hayes	PROPN
ajis02-1923	202	40	(	(	PUNCT
ajis02-1923	202	41	hayes	hayes	PROPN
ajis02-1923	202	42	,	,	PUNCT
ajis02-1923	202	43	2012	2012	NUM
ajis02-1923	202	44	)	)	PUNCT
ajis02-1923	202	45	was	be	AUX
ajis02-1923	202	46	employed	employ	VERB
ajis02-1923	202	47	to	to	PART
ajis02-1923	202	48	help	help	VERB
ajis02-1923	202	49	to	to	PART
ajis02-1923	202	50	analyse	analyse	VERB
ajis02-1923	202	51	the	the	DET
ajis02-1923	202	52	moderating	moderate	VERB
ajis02-1923	202	53	effect	effect	NOUN
ajis02-1923	202	54	of	of	ADP
ajis02-1923	202	55	the	the	DET
ajis02-1923	202	56	perceived	perceive	VERB
ajis02-1923	202	57	value	value	NOUN
ajis02-1923	202	58	on	on	ADP
ajis02-1923	202	59	the	the	DET
ajis02-1923	202	60	relationship	relationship	NOUN
ajis02-1923	202	61	between	between	ADP
ajis02-1923	202	62	ibsds	ibsds	NOUN
ajis02-1923	202	63	process	process	NOUN
ajis02-1923	202	64	and	and	CCONJ
ajis02-1923	202	65	customer	customer	NOUN
ajis02-1923	202	66	satisfaction	satisfaction	NOUN
ajis02-1923	202	67	and	and	CCONJ
ajis02-1923	202	68	the	the	DET
ajis02-1923	202	69	relationship	relationship	NOUN
ajis02-1923	202	70	between	between	ADP
ajis02-1923	202	71	customer	customer	NOUN
ajis02-1923	202	72	satisfaction	satisfaction	NOUN
ajis02-1923	202	73	and	and	CCONJ
ajis02-1923	202	74	behavioural	behavioural	ADJ
ajis02-1923	202	75	intention	intention	NOUN
ajis02-1923	202	76	.	.	PUNCT
ajis02-1923	203	1	4	4	NUM
ajis02-1923	203	2	results	result	VERB
ajis02-1923	203	3	4.1	4.1	NUM
ajis02-1923	203	4	.	.	PUNCT
ajis02-1923	204	1	mediation	mediation	NOUN
ajis02-1923	204	2	:	:	PUNCT
ajis02-1923	204	3	table	table	NOUN
ajis02-1923	204	4	5	5	NUM
ajis02-1923	204	5	shows	show	VERB
ajis02-1923	204	6	the	the	DET
ajis02-1923	204	7	results	result	NOUN
ajis02-1923	204	8	of	of	ADP
ajis02-1923	204	9	the	the	DET
ajis02-1923	204	10	mediation	mediation	NOUN
ajis02-1923	204	11	regression	regression	NOUN
ajis02-1923	204	12	analysis	analysis	NOUN
ajis02-1923	204	13	.	.	PUNCT
ajis02-1923	205	1	it	it	PRON
ajis02-1923	205	2	can	can	AUX
ajis02-1923	205	3	be	be	AUX
ajis02-1923	205	4	seen	see	VERB
ajis02-1923	205	5	that	that	SCONJ
ajis02-1923	205	6	in	in	ADP
ajis02-1923	205	7	the	the	DET
ajis02-1923	205	8	first	first	ADJ
ajis02-1923	205	9	condition	condition	NOUN
ajis02-1923	205	10	(	(	PUNCT
ajis02-1923	205	11	condition	condition	NOUN
ajis02-1923	205	12	1	1	NUM
ajis02-1923	205	13	)	)	PUNCT
ajis02-1923	205	14	,	,	PUNCT
ajis02-1923	205	15	we	we	PRON
ajis02-1923	205	16	found	find	VERB
ajis02-1923	205	17	that	that	SCONJ
ajis02-1923	205	18	the	the	DET
ajis02-1923	205	19	ibsds	ibsds	NOUN
ajis02-1923	205	20	process	process	NOUN
ajis02-1923	205	21	has	have	VERB
ajis02-1923	205	22	a	a	DET
ajis02-1923	205	23	statistically	statistically	ADV
ajis02-1923	205	24	significant	significant	ADJ
ajis02-1923	205	25	influence	influence	NOUN
ajis02-1923	205	26	on	on	ADP
ajis02-1923	205	27	overall	overall	ADJ
ajis02-1923	205	28	customer	customer	NOUN
ajis02-1923	205	29	satisfaction	satisfaction	NOUN
ajis02-1923	205	30	.	.	PUNCT
ajis02-1923	206	1	the	the	DET
ajis02-1923	206	2	second	second	ADJ
ajis02-1923	206	3	phase	phase	NOUN
ajis02-1923	206	4	of	of	ADP
ajis02-1923	206	5	the	the	DET
ajis02-1923	206	6	process	process	NOUN
ajis02-1923	206	7	examines	examine	VERB
ajis02-1923	206	8	the	the	DET
ajis02-1923	206	9	relationships	relationship	NOUN
ajis02-1923	206	10	between	between	ADP
ajis02-1923	206	11	overall	overall	ADJ
ajis02-1923	206	12	customer	customer	NOUN
ajis02-1923	206	13	satisfaction	satisfaction	NOUN
ajis02-1923	206	14	and	and	CCONJ
ajis02-1923	206	15	behavioural	behavioural	ADJ
ajis02-1923	206	16	intention	intention	NOUN
ajis02-1923	206	17	,	,	PUNCT
ajis02-1923	206	18	and	and	CCONJ
ajis02-1923	206	19	finds	find	VERB
ajis02-1923	206	20	it	it	PRON
ajis02-1923	206	21	to	to	PART
ajis02-1923	206	22	be	be	AUX
ajis02-1923	206	23	significant	significant	ADJ
ajis02-1923	206	24	.	.	PUNCT
ajis02-1923	207	1	this	this	PRON
ajis02-1923	207	2	satisfies	satisfy	VERB
ajis02-1923	207	3	the	the	DET
ajis02-1923	207	4	second	second	ADJ
ajis02-1923	207	5	mediating	mediate	VERB
ajis02-1923	207	6	condition	condition	NOUN
ajis02-1923	207	7	(	(	PUNCT
ajis02-1923	207	8	condition	condition	NOUN
ajis02-1923	207	9	2	2	NUM
ajis02-1923	207	10	)	)	PUNCT
ajis02-1923	207	11	.	.	PUNCT
ajis02-1923	208	1	the	the	DET
ajis02-1923	208	2	third	third	ADJ
ajis02-1923	208	3	phase	phase	NOUN
ajis02-1923	208	4	of	of	ADP
ajis02-1923	208	5	analysis	analysis	NOUN
ajis02-1923	208	6	tests	test	VERB
ajis02-1923	208	7	whether	whether	SCONJ
ajis02-1923	208	8	ibsds	ibsds	NOUN
ajis02-1923	208	9	process	process	NOUN
ajis02-1923	208	10	influences	influence	VERB
ajis02-1923	208	11	consumer	consumer	NOUN
ajis02-1923	208	12	behavioural	behavioural	ADJ
ajis02-1923	208	13	intention	intention	NOUN
ajis02-1923	208	14	and	and	CCONJ
ajis02-1923	208	15	this	this	PRON
ajis02-1923	208	16	also	also	ADV
ajis02-1923	208	17	found	find	VERB
ajis02-1923	208	18	to	to	PART
ajis02-1923	208	19	be	be	AUX
ajis02-1923	208	20	significant	significant	ADJ
ajis02-1923	208	21	.	.	PUNCT
ajis02-1923	209	1	the	the	DET
ajis02-1923	209	2	fourth	fourth	ADJ
ajis02-1923	209	3	phase	phase	NOUN
ajis02-1923	209	4	of	of	ADP
ajis02-1923	209	5	analysis	analysis	NOUN
ajis02-1923	209	6	(	(	PUNCT
ajis02-1923	209	7	condition	condition	NOUN
ajis02-1923	209	8	4	4	NUM
ajis02-1923	209	9	)	)	PUNCT
ajis02-1923	209	10	determines	determine	VERB
ajis02-1923	209	11	whether	whether	SCONJ
ajis02-1923	209	12	customer	customer	NOUN
ajis02-1923	209	13	satisfaction	satisfaction	NOUN
ajis02-1923	209	14	mediates	mediate	VERB
ajis02-1923	209	15	the	the	DET
ajis02-1923	209	16	association	association	NOUN
ajis02-1923	209	17	between	between	ADP
ajis02-1923	209	18	the	the	DET
ajis02-1923	209	19	ibsds	ibsds	NOUN
ajis02-1923	209	20	process	process	NOUN
ajis02-1923	209	21	and	and	CCONJ
ajis02-1923	209	22	consumer	consumer	NOUN
ajis02-1923	209	23	behavioural	behavioural	ADJ
ajis02-1923	209	24	intention	intention	NOUN
ajis02-1923	209	25	.	.	PUNCT
ajis02-1923	210	1	full	full	ADJ
ajis02-1923	210	2	mediation	mediation	NOUN
ajis02-1923	210	3	exists	exist	VERB
ajis02-1923	210	4	when	when	SCONJ
ajis02-1923	210	5	the	the	DET
ajis02-1923	210	6	direct	direct	ADJ
ajis02-1923	210	7	path	path	NOUN
ajis02-1923	210	8	(	(	PUNCT
ajis02-1923	210	9	i.e.	i.e.	X
ajis02-1923	210	10	,	,	PUNCT
ajis02-1923	210	11	beta	beta	ADJ
ajis02-1923	210	12	coefficients	coefficient	NOUN
ajis02-1923	210	13	)	)	PUNCT
ajis02-1923	210	14	from	from	ADP
ajis02-1923	210	15	the	the	DET
ajis02-1923	210	16	ibsds	ibsds	NOUN
ajis02-1923	210	17	process	process	NOUN
ajis02-1923	210	18	becomes	become	VERB
ajis02-1923	210	19	non	non	ADJ
ajis02-1923	210	20	-	-	ADJ
ajis02-1923	210	21	significant	significant	ADJ
ajis02-1923	210	22	(	(	PUNCT
ajis02-1923	210	23	i.e.	i.e.	X
ajis02-1923	210	24	,	,	PUNCT
ajis02-1923	210	25	full	full	ADJ
ajis02-1923	210	26	mediation	mediation	NOUN
ajis02-1923	210	27	)	)	PUNCT
ajis02-1923	210	28	.	.	PUNCT
ajis02-1923	211	1	partial	partial	ADJ
ajis02-1923	211	2	mediation	mediation	NOUN
ajis02-1923	211	3	exists	exist	VERB
ajis02-1923	211	4	if	if	SCONJ
ajis02-1923	211	5	there	there	PRON
ajis02-1923	211	6	is	be	VERB
ajis02-1923	211	7	a	a	DET
ajis02-1923	211	8	reduction	reduction	NOUN
ajis02-1923	211	9	in	in	ADP
ajis02-1923	211	10	the	the	DET
ajis02-1923	211	11	beta	beta	ADJ
ajis02-1923	211	12	coefficients	coefficient	NOUN
ajis02-1923	211	13	of	of	ADP
ajis02-1923	211	14	the	the	DET
ajis02-1923	211	15	ibsds	ibsds	NOUN
ajis02-1923	211	16	process	process	NOUN
ajis02-1923	211	17	after	after	ADP
ajis02-1923	211	18	adding	add	VERB
ajis02-1923	211	19	the	the	DET
ajis02-1923	211	20	overall	overall	ADJ
ajis02-1923	211	21	customer	customer	NOUN
ajis02-1923	211	22	satisfaction	satisfaction	NOUN
ajis02-1923	211	23	(	(	PUNCT
ajis02-1923	211	24	i.e.	i.e.	X
ajis02-1923	211	25	,	,	PUNCT
ajis02-1923	211	26	mediator	mediator	NOUN
ajis02-1923	211	27	)	)	PUNCT
ajis02-1923	211	28	to	to	ADP
ajis02-1923	211	29	the	the	DET
ajis02-1923	211	30	regression	regression	NOUN
ajis02-1923	211	31	(	(	PUNCT
ajis02-1923	211	32	i.e.	i.e.	X
ajis02-1923	211	33	,	,	PUNCT
ajis02-1923	211	34	the	the	DET
ajis02-1923	211	35	difference	difference	NOUN
ajis02-1923	211	36	in	in	ADP
ajis02-1923	211	37	beta	beta	ADJ
ajis02-1923	211	38	coefficients	coefficient	NOUN
ajis02-1923	211	39	between	between	ADP
ajis02-1923	211	40	condition	condition	NOUN
ajis02-1923	211	41	2	2	NUM
ajis02-1923	211	42	and	and	CCONJ
ajis02-1923	211	43	4	4	NUM
ajis02-1923	211	44	indicates	indicate	VERB
ajis02-1923	211	45	partial	partial	ADJ
ajis02-1923	211	46	mediation	mediation	NOUN
ajis02-1923	211	47	)	)	PUNCT
ajis02-1923	211	48	.	.	PUNCT
ajis02-1923	212	1	the	the	DET
ajis02-1923	212	2	result	result	NOUN
ajis02-1923	212	3	suggests	suggest	VERB
ajis02-1923	212	4	that	that	SCONJ
ajis02-1923	212	5	beta	beta	ADJ
ajis02-1923	212	6	coefficients	coefficient	NOUN
ajis02-1923	212	7	of	of	ADP
ajis02-1923	212	8	both	both	DET
ajis02-1923	212	9	ibsds	ibsds	NOUN
ajis02-1923	212	10	process	process	NOUN
ajis02-1923	212	11	and	and	CCONJ
ajis02-1923	212	12	overall	overall	ADJ
ajis02-1923	212	13	customer	customer	NOUN
ajis02-1923	212	14	satisfaction	satisfaction	NOUN
ajis02-1923	212	15	are	be	AUX
ajis02-1923	212	16	found	find	VERB
ajis02-1923	212	17	to	to	PART
ajis02-1923	212	18	be	be	AUX
ajis02-1923	212	19	significant	significant	ADJ
ajis02-1923	212	20	,	,	PUNCT
ajis02-1923	212	21	and	and	CCONJ
ajis02-1923	212	22	the	the	DET
ajis02-1923	212	23	beta	beta	ADJ
ajis02-1923	212	24	coefficient	coefficient	NOUN
ajis02-1923	212	25	of	of	ADP
ajis02-1923	212	26	ibsds	ibsds	NOUN
ajis02-1923	212	27	process	process	NOUN
ajis02-1923	212	28	is	be	AUX
ajis02-1923	212	29	reduced	reduce	VERB
ajis02-1923	212	30	.	.	PUNCT
ajis02-1923	213	1	this	this	PRON
ajis02-1923	213	2	indicates	indicate	VERB
ajis02-1923	213	3	that	that	SCONJ
ajis02-1923	213	4	ibsds	ibsds	NOUN
ajis02-1923	213	5	process	process	NOUN
ajis02-1923	213	6	partially	partially	ADV
ajis02-1923	213	7	mediates	mediate	VERB
ajis02-1923	213	8	the	the	DET
ajis02-1923	213	9	relationship	relationship	NOUN
ajis02-1923	213	10	.	.	PUNCT
ajis02-1923	214	1	conditions	condition	NOUN
ajis02-1923	214	2	standard	standard	ADJ
ajis02-1923	214	3	coefficients	coefficient	VERB
ajis02-1923	214	4	independent	independent	ADJ
ajis02-1923	214	5	variable	variable	ADJ
ajis02-1923	214	6	dependent	dependent	ADJ
ajis02-1923	214	7	variable	variable	ADJ
ajis02-1923	214	8	beta	beta	NOUN
ajis02-1923	214	9	sig	sig	NOUN
ajis02-1923	214	10	(	(	PUNCT
ajis02-1923	214	11	p<0.05	p<0.05	NOUN
ajis02-1923	214	12	)	)	PUNCT
ajis02-1923	214	13	results	result	VERB
ajis02-1923	214	14	1	1	NUM
ajis02-1923	214	15	ibsds	ibsds	NOUN
ajis02-1923	214	16	process	process	NOUN
ajis02-1923	214	17	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	ADV
ajis02-1923	214	18	2	2	NUM
ajis02-1923	214	19	=	=	SYM
ajis02-1923	214	20	0.154	0.154	NUM
ajis02-1923	214	21	cs	cs	PROPN
ajis02-1923	214	22	0.395	0.395	NUM
ajis02-1923	214	23	0.00	0.00	NUM
ajis02-1923	214	24	h1	h1	NOUN
ajis02-1923	214	25	:	:	PUNCT
ajis02-1923	214	26	supported	support	VERB
ajis02-1923	214	27	2	2	NUM
ajis02-1923	214	28	cs	cs	PROPN
ajis02-1923	214	29	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	ADV
ajis02-1923	214	30	2	2	NUM
ajis02-1923	214	31	=	=	SYM
ajis02-1923	214	32	0.223	0.223	NUM
ajis02-1923	214	33	bi	bi	NOUN
ajis02-1923	214	34	0.498	0.498	NUM
ajis02-1923	214	35	0.00	0.00	NUM
ajis02-1923	214	36	h2	h2	NOUN
ajis02-1923	214	37	:	:	PUNCT
ajis02-1923	214	38	supported	support	VERB
ajis02-1923	214	39	3	3	NUM
ajis02-1923	214	40	ibsds	ibsds	NOUN
ajis02-1923	214	41	process	process	NOUN
ajis02-1923	214	42	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	ADV
ajis02-1923	214	43	2	2	NUM
ajis02-1923	214	44	=	=	SYM
ajis02-1923	214	45	.150	.150	NUM
ajis02-1923	214	46	bi	bi	NOUN
ajis02-1923	214	47	0.389	0.389	NUM
ajis02-1923	214	48	0.00	0.00	NUM
ajis02-1923	214	49	supported	support	VERB
ajis02-1923	214	50	4	4	NUM
ajis02-1923	214	51	ibsds	ibsds	NOUN
ajis02-1923	214	52	process	process	NOUN
ajis02-1923	214	53	,	,	PUNCT
ajis02-1923	214	54	cs	cs	PROPN
ajis02-1923	214	55	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	𝑅𝑅𝑎𝑎𝑎𝑎𝑎𝑎.	ADV
ajis02-1923	214	56	2	2	NUM
ajis02-1923	214	57	=	=	SYM
ajis02-1923	214	58	0.292	0.292	NUM
ajis02-1923	214	59	bi	bi	ADJ
ajis02-1923	214	60	ibsds	ibsds	NOUN
ajis02-1923	214	61	process	process	NOUN
ajis02-1923	214	62	0.229	0.229	NUM
ajis02-1923	214	63	cs-0.408	cs-0.408	PROPN
ajis02-1923	214	64	ibsds	ibsds	PROPN
ajis02-1923	214	65	-0.00	-0.00	PROPN
ajis02-1923	214	66	,	,	PUNCT
ajis02-1923	214	67	cs-0.00	cs-0.00	PROPN
ajis02-1923	214	68	h3	h3	NOUN
ajis02-1923	214	69	:	:	PUNCT
ajis02-1923	214	70	partially	partially	ADV
ajis02-1923	214	71	mediated	mediate	VERB
ajis02-1923	214	72	table	table	NOUN
ajis02-1923	214	73	5	5	NUM
ajis02-1923	214	74	:	:	PUNCT
ajis02-1923	214	75	regression	regression	NOUN
ajis02-1923	214	76	estimates	estimate	NOUN
ajis02-1923	214	77	of	of	ADP
ajis02-1923	214	78	the	the	DET
ajis02-1923	214	79	conditions	condition	NOUN
ajis02-1923	214	80	4.1	4.1	NUM
ajis02-1923	214	81	moderation	moderation	NOUN
ajis02-1923	214	82	in	in	ADP
ajis02-1923	214	83	spss	spss	PROPN
ajis02-1923	214	84	process	process	NOUN
ajis02-1923	214	85	v2.16.3	v2.16.3	NOUN
ajis02-1923	214	86	by	by	ADP
ajis02-1923	214	87	andrew	andrew	PROPN
ajis02-1923	214	88	f.	f.	PROPN
ajis02-1923	214	89	hayes	hayes	PROPN
ajis02-1923	214	90	(	(	PUNCT
ajis02-1923	214	91	hayes	hayes	PROPN
ajis02-1923	214	92	,	,	PUNCT
ajis02-1923	214	93	2012	2012	NUM
ajis02-1923	214	94	)	)	PUNCT
ajis02-1923	214	95	,	,	PUNCT
ajis02-1923	214	96	we	we	PRON
ajis02-1923	214	97	have	have	AUX
ajis02-1923	214	98	selected	select	VERB
ajis02-1923	214	99	model	model	NOUN
ajis02-1923	214	100	1	1	NUM
ajis02-1923	214	101	to	to	PART
ajis02-1923	214	102	test	test	VERB
ajis02-1923	214	103	moderation	moderation	NOUN
ajis02-1923	214	104	for	for	ADP
ajis02-1923	214	105	both	both	CCONJ
ajis02-1923	214	106	the	the	DET
ajis02-1923	214	107	cases	case	NOUN
ajis02-1923	214	108	and	and	CCONJ
ajis02-1923	214	109	the	the	DET
ajis02-1923	214	110	output	output	NOUN
ajis02-1923	214	111	is	be	AUX
ajis02-1923	214	112	shown	show	VERB
ajis02-1923	214	113	in	in	ADP
ajis02-1923	214	114	table	table	NOUN
ajis02-1923	214	115	6	6	NUM
ajis02-1923	214	116	and	and	CCONJ
ajis02-1923	214	117	table	table	NOUN
ajis02-1923	214	118	7	7	NUM
ajis02-1923	214	119	.	.	PUNCT
ajis02-1923	215	1	the	the	DET
ajis02-1923	215	2	model	model	NOUN
ajis02-1923	215	3	in	in	ADP
ajis02-1923	215	4	both	both	DET
ajis02-1923	215	5	cases	case	NOUN
ajis02-1923	215	6	indicates	indicate	VERB
ajis02-1923	215	7	that	that	SCONJ
ajis02-1923	215	8	zero	zero	NUM
ajis02-1923	215	9	does	do	AUX
ajis02-1923	215	10	n’t	not	PART
ajis02-1923	215	11	lie	lie	VERB
ajis02-1923	215	12	between	between	ADP
ajis02-1923	215	13	the	the	DET
ajis02-1923	215	14	lower	low	ADJ
ajis02-1923	215	15	limit	limit	NOUN
ajis02-1923	215	16	of	of	ADP
ajis02-1923	215	17	confidential	confidential	ADJ
ajis02-1923	215	18	interval	interval	NOUN
ajis02-1923	215	19	(	(	PUNCT
ajis02-1923	215	20	llci	llci	NOUN
ajis02-1923	215	21	)	)	PUNCT
ajis02-1923	215	22	and	and	CCONJ
ajis02-1923	215	23	upper	upper	ADJ
ajis02-1923	215	24	limit	limit	NOUN
ajis02-1923	215	25	of	of	ADP
ajis02-1923	215	26	confidential	confidential	ADJ
ajis02-1923	215	27	interval	interval	NOUN
ajis02-1923	215	28	(	(	PUNCT
ajis02-1923	215	29	ulci	ulci	NOUN
ajis02-1923	215	30	)	)	PUNCT
ajis02-1923	215	31	of	of	ADP
ajis02-1923	215	32	“	"	PUNCT
ajis02-1923	215	33	int_1	int_1	ADV
ajis02-1923	215	34	”	"	PUNCT
ajis02-1923	215	35	(	(	PUNCT
ajis02-1923	215	36	see	see	VERB
ajis02-1923	215	37	table	table	NOUN
ajis02-1923	215	38	6	6	NUM
ajis02-1923	215	39	and	and	CCONJ
ajis02-1923	215	40	7	7	NUM
ajis02-1923	215	41	)	)	PUNCT
ajis02-1923	215	42	,	,	PUNCT
ajis02-1923	215	43	which	which	PRON
ajis02-1923	215	44	indicates	indicate	VERB
ajis02-1923	215	45	perceived	perceive	VERB
ajis02-1923	215	46	value	value	NOUN
ajis02-1923	215	47	has	have	VERB
ajis02-1923	215	48	a	a	DET
ajis02-1923	215	49	moderating	moderate	VERB
ajis02-1923	215	50	effect	effect	NOUN
ajis02-1923	215	51	on	on	ADP
ajis02-1923	215	52	the	the	DET
ajis02-1923	215	53	relationship	relationship	NOUN
ajis02-1923	215	54	between	between	ADP
ajis02-1923	215	55	customer	customer	NOUN
ajis02-1923	215	56	satisfaction	satisfaction	NOUN
ajis02-1923	215	57	and	and	CCONJ
ajis02-1923	215	58	australasian	australasian	ADJ
ajis02-1923	215	59	journal	journal	NOUN
ajis02-1923	215	60	of	of	ADP
ajis02-1923	215	61	information	information	NOUN
ajis02-1923	215	62	systems	system	NOUN
ajis02-1923	215	63	kumar	kumar	PROPN
ajis02-1923	215	64	,	,	PUNCT
ajis02-1923	215	65	sachan	sachan	PROPN
ajis02-1923	215	66	&	&	CCONJ
ajis02-1923	215	67	kumar	kumar	PROPN
ajis02-1923	215	68	2020	2020	PROPN
ajis02-1923	215	69	,	,	PUNCT
ajis02-1923	215	70	vol	vol	NOUN
ajis02-1923	215	71	24	24	NUM
ajis02-1923	215	72	,	,	PUNCT
ajis02-1923	215	73	research	research	NOUN
ajis02-1923	215	74	article	article	NOUN
ajis02-1923	215	75	service	service	NOUN
ajis02-1923	215	76	delivery	delivery	NOUN
ajis02-1923	215	77	and	and	CCONJ
ajis02-1923	215	78	perceived	perceive	VERB
ajis02-1923	215	79	value	value	NOUN
ajis02-1923	215	80	in	in	ADP
ajis02-1923	215	81	internet	internet	NOUN
ajis02-1923	215	82	banking	banking	NOUN
ajis02-1923	215	83	adoption	adoption	NOUN
ajis02-1923	215	84	13	13	NUM
ajis02-1923	215	85	behavioural	behavioural	ADJ
ajis02-1923	215	86	intention	intention	NOUN
ajis02-1923	215	87	,	,	PUNCT
ajis02-1923	215	88	and	and	CCONJ
ajis02-1923	215	89	the	the	DET
ajis02-1923	215	90	relationship	relationship	NOUN
ajis02-1923	215	91	between	between	ADP
ajis02-1923	215	92	ibsds	ibsds	NOUN
ajis02-1923	215	93	process	process	NOUN
ajis02-1923	215	94	and	and	CCONJ
ajis02-1923	215	95	customer	customer	NOUN
ajis02-1923	215	96	satisfaction	satisfaction	NOUN
ajis02-1923	215	97	(	(	PUNCT
ajis02-1923	215	98	supporting	support	VERB
ajis02-1923	215	99	h4	h4	NOUN
ajis02-1923	215	100	and	and	CCONJ
ajis02-1923	215	101	h5	h5	NOUN
ajis02-1923	215	102	)	)	PUNCT
ajis02-1923	215	103	.	.	PUNCT
ajis02-1923	216	1	model	model	NOUN
ajis02-1923	216	2	summary	summary	NOUN
ajis02-1923	216	3	r	r	NOUN
ajis02-1923	216	4	r	r	X
ajis02-1923	216	5	-	-	PUNCT
ajis02-1923	216	6	sq	sq	PROPN
ajis02-1923	216	7	mse	mse	PROPN
ajis02-1923	216	8	f	f	PROPN
ajis02-1923	216	9	df1	df1	PROPN
ajis02-1923	216	10	df2	df2	PROPN
ajis02-1923	216	11	p	p	PROPN
ajis02-1923	217	1	.5475	.5475	PROPN
ajis02-1923	217	2	.2998	.2998	PROPN
ajis02-1923	217	3	.3738	.3738	PROPN
ajis02-1923	217	4	58.7969	58.7969	NUM
ajis02-1923	218	1	3.0000	3.0000	NUM
ajis02-1923	218	2	412.0000	412.0000	NUM
ajis02-1923	218	3	.0000	.0000	INTJ
ajis02-1923	218	4	model	model	PROPN
ajis02-1923	218	5	coeff	coeff	PROPN
ajis02-1923	218	6	se	se	PROPN
ajis02-1923	218	7	t	t	PROPN
ajis02-1923	219	1	p	p	PROPN
ajis02-1923	220	1	llci	llci	PROPN
ajis02-1923	220	2	ulci	ulci	NOUN
ajis02-1923	220	3	constant	constant	ADJ
ajis02-1923	220	4	.9465	.9465	PROPN
ajis02-1923	220	5	.4754	.4754	PROPN
ajis02-1923	221	1	1.9912	1.9912	NUM
ajis02-1923	221	2	.0471	.0471	NOUN
ajis02-1923	221	3	.0121	.0121	NOUN
ajis02-1923	221	4	1.8810	1.8810	NUM
ajis02-1923	222	1	pv	pv	NOUN
ajis02-1923	222	2	.7277	.7277	NOUN
ajis02-1923	222	3	.1319	.1319	PROPN
ajis02-1923	223	1	5.5156	5.5156	NUM
ajis02-1923	224	1	.0000	.0000	INTJ
ajis02-1923	225	1	.4684	.4684	INTJ
ajis02-1923	225	2	.9871	.9871	PUNCT
ajis02-1923	226	1	ibsds	ibsds	NOUN
ajis02-1923	226	2	.5235	.5235	VERB
ajis02-1923	226	3	.1469	.1469	PROPN
ajis02-1923	226	4	3.5638	3.5638	NUM
ajis02-1923	226	5	.0004	.0004	PROPN
ajis02-1923	226	6	.2347	.2347	PROPN
ajis02-1923	227	1	.8123	.8123	PROPN
ajis02-1923	227	2	int_1	int_1	ADV
ajis02-1923	227	3	-.0997	-.0997	PUNCT
ajis02-1923	227	4	.0378	.0378	NOUN
ajis02-1923	227	5	-2.6361	-2.6361	NOUN
ajis02-1923	227	6	.0087	.0087	PUNCT
ajis02-1923	228	1	-.1740	-.1740	PUNCT
ajis02-1923	228	2	-.0254	-.0254	PUNCT
ajis02-1923	228	3	product	product	NOUN
ajis02-1923	228	4	terms	term	NOUN
ajis02-1923	228	5	key	key	ADJ
ajis02-1923	228	6	:	:	PUNCT
ajis02-1923	228	7	int_1	int_1	ADV
ajis02-1923	228	8	ibsdsp	ibsdsp	ADJ
ajis02-1923	228	9	x	x	INTJ
ajis02-1923	228	10	pv	pv	NOUN
ajis02-1923	228	11	y	y	NOUN
ajis02-1923	228	12	=	=	SYM
ajis02-1923	228	13	cs	cs	PROPN
ajis02-1923	228	14	x	x	SYM
ajis02-1923	228	15	=	=	PUNCT
ajis02-1923	229	1	ibsdsp	ibsdsp	ADJ
ajis02-1923	229	2	m	m	NOUN
ajis02-1923	229	3	=	=	ADJ
ajis02-1923	229	4	pv	pv	ADJ
ajis02-1923	229	5	conditional	conditional	ADJ
ajis02-1923	229	6	effect	effect	NOUN
ajis02-1923	229	7	of	of	ADP
ajis02-1923	229	8	x	x	PUNCT
ajis02-1923	229	9	on	on	ADP
ajis02-1923	229	10	y	y	PROPN
ajis02-1923	229	11	at	at	ADP
ajis02-1923	229	12	values	value	NOUN
ajis02-1923	229	13	of	of	ADP
ajis02-1923	229	14	the	the	DET
ajis02-1923	229	15	moderator(s	moderator(s	NOUN
ajis02-1923	229	16	):	):	PUNCT
ajis02-1923	229	17	value	value	NOUN
ajis02-1923	229	18	effect	effect	NOUN
ajis02-1923	229	19	se	se	PROPN
ajis02-1923	229	20	t	t	PROPN
ajis02-1923	229	21	p	p	PROPN
ajis02-1923	230	1	llci	llci	PROPN
ajis02-1923	230	2	ulci	ulci	NOUN
ajis02-1923	230	3	2.8798	2.8798	NUM
ajis02-1923	230	4	.2364	.2364	NOUN
ajis02-1923	230	5	.0529	.0529	NOUN
ajis02-1923	231	1	4.4651	4.4651	NUM
ajis02-1923	231	2	.0000	.0000	INTJ
ajis02-1923	231	3	.1323	.1323	PROPN
ajis02-1923	231	4	.3405	.3405	PUNCT
ajis02-1923	232	1	3.6514	3.6514	NUM
ajis02-1923	232	2	.1595	.1595	NOUN
ajis02-1923	232	3	.0425	.0425	PROPN
ajis02-1923	233	1	3.7562	3.7562	NUM
ajis02-1923	233	2	.0002	.0002	NOUN
ajis02-1923	233	3	.0760	.0760	PROPN
ajis02-1923	233	4	.2429	.2429	PROPN
ajis02-1923	233	5	4.4231	4.4231	NUM
ajis02-1923	234	1	.0825	.0825	NOUN
ajis02-1923	234	2	.0501	.0501	PROPN
ajis02-1923	234	3	1.6492	1.6492	NUM
ajis02-1923	234	4	.0999	.0999	PROPN
ajis02-1923	234	5	-.0158	-.0158	PUNCT
ajis02-1923	234	6	.1809	.1809	PROPN
ajis02-1923	234	7	table	table	NOUN
ajis02-1923	234	8	6	6	NUM
ajis02-1923	234	9	:	:	PUNCT
ajis02-1923	235	1	moderation	moderation	NOUN
ajis02-1923	235	2	analysis	analysis	NOUN
ajis02-1923	235	3	output	output	NOUN
ajis02-1923	235	4	(	(	PUNCT
ajis02-1923	235	5	perceived	perceive	VERB
ajis02-1923	235	6	value	value	NOUN
ajis02-1923	235	7	on	on	ADP
ajis02-1923	235	8	the	the	DET
ajis02-1923	235	9	relationship	relationship	NOUN
ajis02-1923	235	10	between	between	ADP
ajis02-1923	235	11	ibsds	ibsds	NOUN
ajis02-1923	235	12	process	process	NOUN
ajis02-1923	235	13	and	and	CCONJ
ajis02-1923	235	14	customer	customer	NOUN
ajis02-1923	235	15	satisfaction	satisfaction	NOUN
ajis02-1923	235	16	)	)	PUNCT
ajis02-1923	235	17	model	model	NOUN
ajis02-1923	235	18	summary	summary	NOUN
ajis02-1923	235	19	r	r	NOUN
ajis02-1923	235	20	r	r	X
ajis02-1923	235	21	-	-	PUNCT
ajis02-1923	235	22	sq	sq	PROPN
ajis02-1923	235	23	mse	mse	PROPN
ajis02-1923	235	24	f	f	PROPN
ajis02-1923	235	25	df1	df1	PROPN
ajis02-1923	236	1	df2	df2	PROPN
ajis02-1923	236	2	p	p	PROPN
ajis02-1923	236	3	.5943	.5943	PROPN
ajis02-1923	236	4	.3532	.3532	PROPN
ajis02-1923	237	1	.3334	.3334	PROPN
ajis02-1923	237	2	74.9815	74.9815	NUM
ajis02-1923	237	3	3.0000	3.0000	NUM
ajis02-1923	237	4	412.0000	412.0000	NUM
ajis02-1923	238	1	.0000	.0000	INTJ
ajis02-1923	238	2	model	model	PROPN
ajis02-1923	238	3	coeff	coeff	PROPN
ajis02-1923	238	4	se	se	PROPN
ajis02-1923	238	5	t	t	PROPN
ajis02-1923	238	6	p	p	PROPN
ajis02-1923	239	1	llci	llci	PROPN
ajis02-1923	239	2	ulci	ulci	NOUN
ajis02-1923	239	3	constant	constant	ADJ
ajis02-1923	239	4	.5251	.5251	PROPN
ajis02-1923	239	5	.5906	.5906	PROPN
ajis02-1923	240	1	.8891	.8891	PROPN
ajis02-1923	240	2	.3744	.3744	PROPN
ajis02-1923	240	3	-.6358	-.6358	NOUN
ajis02-1923	240	4	1.6860	1.6860	NUM
ajis02-1923	240	5	pv	pv	NOUN
ajis02-1923	241	1	.6986	.6986	NOUN
ajis02-1923	241	2	.1788	.1788	NOUN
ajis02-1923	242	1	3.9065	3.9065	NUM
ajis02-1923	242	2	.0001	.0001	NOUN
ajis02-1923	242	3	.3470	.3470	SYM
ajis02-1923	242	4	1.0501	1.0501	NUM
ajis02-1923	242	5	cs	cs	PROPN
ajis02-1923	242	6	.5885	.5885	PROPN
ajis02-1923	242	7	.1453	.1453	PROPN
ajis02-1923	242	8	4.0499	4.0499	NUM
ajis02-1923	242	9	.0001	.0001	PUNCT
ajis02-1923	242	10	.3028	.3028	PROPN
ajis02-1923	242	11	.8741	.8741	PROPN
ajis02-1923	242	12	int_1	int_1	ADV
ajis02-1923	242	13	-.0860	-.0860	PUNCT
ajis02-1923	242	14	.0416	.0416	PRON
ajis02-1923	242	15	-2.0661	-2.0661	NOUN
ajis02-1923	242	16	.0394	.0394	NOUN
ajis02-1923	242	17	-.1678	-.1678	PUNCT
ajis02-1923	242	18	-.0042	-.0042	PUNCT
ajis02-1923	242	19	product	product	NOUN
ajis02-1923	242	20	terms	term	NOUN
ajis02-1923	242	21	key	key	ADJ
ajis02-1923	242	22	:	:	PUNCT
ajis02-1923	242	23	int_1	int_1	ADV
ajis02-1923	242	24	cs	cs	X
ajis02-1923	242	25	x	x	VERB
ajis02-1923	242	26	pv	pv	NOUN
ajis02-1923	242	27	y	y	PROPN
ajis02-1923	242	28	=	=	PUNCT
ajis02-1923	242	29	bi	bi	NOUN
ajis02-1923	242	30	x	x	X
ajis02-1923	243	1	=	=	PUNCT
ajis02-1923	243	2	cs	cs	ADJ
ajis02-1923	243	3	m	m	NOUN
ajis02-1923	243	4	=	=	ADJ
ajis02-1923	243	5	pv	pv	ADJ
ajis02-1923	243	6	conditional	conditional	ADJ
ajis02-1923	243	7	effect	effect	NOUN
ajis02-1923	243	8	of	of	ADP
ajis02-1923	243	9	x	x	PUNCT
ajis02-1923	243	10	on	on	ADP
ajis02-1923	243	11	y	y	PROPN
ajis02-1923	243	12	at	at	ADP
ajis02-1923	243	13	values	value	NOUN
ajis02-1923	243	14	of	of	ADP
ajis02-1923	243	15	the	the	DET
ajis02-1923	243	16	moderator(s	moderator(s	NOUN
ajis02-1923	243	17	):	):	PUNCT
ajis02-1923	243	18	value	value	NOUN
ajis02-1923	243	19	effect	effect	NOUN
ajis02-1923	243	20	se	se	PROPN
ajis02-1923	243	21	t	t	PROPN
ajis02-1923	243	22	p	p	PROPN
ajis02-1923	243	23	llci	llci	PROPN
ajis02-1923	243	24	ulci	ulci	NOUN
ajis02-1923	243	25	2.8798	2.8798	NUM
ajis02-1923	243	26	.3409	.3409	PUNCT
ajis02-1923	243	27	.0489	.0489	PUNCT
ajis02-1923	244	1	6.9653	6.9653	NUM
ajis02-1923	244	2	.0000	.0000	NUM
ajis02-1923	245	1	.2447	.2447	PROPN
ajis02-1923	245	2	.4371	.4371	PROPN
ajis02-1923	246	1	3.6514	3.6514	NUM
ajis02-1923	246	2	.2745	.2745	NOUN
ajis02-1923	246	3	.0475	.0475	NUM
ajis02-1923	247	1	5.7766	5.7766	NUM
ajis02-1923	247	2	.0000	.0000	NOUN
ajis02-1923	247	3	.1811	.1811	PROPN
ajis02-1923	248	1	.3680	.3680	PROPN
ajis02-1923	248	2	4.4231	4.4231	NUM
ajis02-1923	248	3	.2082	.2082	PUNCT
ajis02-1923	248	4	.0647	.0647	ADP
ajis02-1923	248	5	3.2186	3.2186	NUM
ajis02-1923	248	6	.0014	.0014	PROPN
ajis02-1923	248	7	.0810	.0810	PROPN
ajis02-1923	248	8	.3354	.3354	PROPN
ajis02-1923	248	9	table	table	NOUN
ajis02-1923	248	10	7	7	NUM
ajis02-1923	248	11	:	:	PUNCT
ajis02-1923	248	12	moderation	moderation	NOUN
ajis02-1923	248	13	analysis	analysis	NOUN
ajis02-1923	248	14	output	output	NOUN
ajis02-1923	248	15	(	(	PUNCT
ajis02-1923	248	16	present	present	ADJ
ajis02-1923	248	17	value	value	NOUN
ajis02-1923	248	18	on	on	ADP
ajis02-1923	248	19	the	the	DET
ajis02-1923	248	20	relationship	relationship	NOUN
ajis02-1923	248	21	between	between	ADP
ajis02-1923	248	22	customer	customer	NOUN
ajis02-1923	248	23	satisfaction	satisfaction	NOUN
ajis02-1923	248	24	and	and	CCONJ
ajis02-1923	248	25	behavioural	behavioural	ADJ
ajis02-1923	248	26	intention	intention	NOUN
ajis02-1923	248	27	)	)	PUNCT
ajis02-1923	248	28	in	in	ADP
ajis02-1923	248	29	order	order	NOUN
ajis02-1923	248	30	to	to	PART
ajis02-1923	248	31	test	test	VERB
ajis02-1923	248	32	how	how	SCONJ
ajis02-1923	248	33	the	the	DET
ajis02-1923	248	34	different	different	ADJ
ajis02-1923	248	35	levels	level	NOUN
ajis02-1923	248	36	of	of	ADP
ajis02-1923	248	37	customer	customer	NOUN
ajis02-1923	248	38	perceived	perceive	VERB
ajis02-1923	248	39	value	value	NOUN
ajis02-1923	248	40	influence	influence	NOUN
ajis02-1923	248	41	the	the	DET
ajis02-1923	248	42	relationships	relationship	NOUN
ajis02-1923	248	43	,	,	PUNCT
ajis02-1923	248	44	we	we	PRON
ajis02-1923	248	45	plot	plot	VERB
ajis02-1923	248	46	graphs	graph	NOUN
ajis02-1923	248	47	(	(	PUNCT
ajis02-1923	248	48	fig	fig	NOUN
ajis02-1923	248	49	.	.	NOUN
ajis02-1923	248	50	2	2	NUM
ajis02-1923	248	51	and	and	CCONJ
ajis02-1923	248	52	3	3	NUM
ajis02-1923	248	53	)	)	PUNCT
ajis02-1923	248	54	from	from	ADP
ajis02-1923	248	55	the	the	DET
ajis02-1923	248	56	spss	spss	PROPN
ajis02-1923	248	57	process	process	NOUN
ajis02-1923	248	58	output	output	NOUN
ajis02-1923	248	59	(	(	PUNCT
ajis02-1923	248	60	data	datum	NOUN
ajis02-1923	248	61	for	for	ADP
ajis02-1923	248	62	visualizing	visualize	VERB
ajis02-1923	248	63	conditional	conditional	ADJ
ajis02-1923	248	64	effect	effect	NOUN
ajis02-1923	248	65	of	of	ADP
ajis02-1923	248	66	x	x	PUNCT
ajis02-1923	248	67	on	on	ADP
ajis02-1923	248	68	y	y	PROPN
ajis02-1923	248	69	)	)	PUNCT
ajis02-1923	248	70	.	.	PUNCT
ajis02-1923	249	1	according	accord	VERB
ajis02-1923	249	2	to	to	ADP
ajis02-1923	249	3	fig	fig	NOUN
ajis02-1923	249	4	.	.	PUNCT
ajis02-1923	249	5	2	2	NUM
ajis02-1923	249	6	and	and	CCONJ
ajis02-1923	249	7	table	table	NOUN
ajis02-1923	249	8	6	6	NUM
ajis02-1923	249	9	,	,	PUNCT
ajis02-1923	249	10	we	we	PRON
ajis02-1923	249	11	can	can	AUX
ajis02-1923	249	12	confirm	confirm	VERB
ajis02-1923	249	13	that	that	SCONJ
ajis02-1923	249	14	when	when	SCONJ
ajis02-1923	249	15	ibsds	ibsds	NOUN
ajis02-1923	249	16	process	process	NOUN
ajis02-1923	249	17	quality	quality	NOUN
ajis02-1923	249	18	is	be	AUX
ajis02-1923	249	19	low	low	ADJ
ajis02-1923	249	20	,	,	PUNCT
ajis02-1923	249	21	a	a	DET
ajis02-1923	249	22	consumer	consumer	NOUN
ajis02-1923	249	23	with	with	ADP
ajis02-1923	249	24	low	low	ADJ
ajis02-1923	249	25	perceived	perceive	VERB
ajis02-1923	249	26	value	value	NOUN
ajis02-1923	249	27	is	be	AUX
ajis02-1923	249	28	significantly	significantly	ADV
ajis02-1923	249	29	less	less	ADV
ajis02-1923	249	30	satisfied	satisfied	ADJ
ajis02-1923	249	31	than	than	ADP
ajis02-1923	249	32	the	the	DET
ajis02-1923	249	33	consumer	consumer	NOUN
ajis02-1923	249	34	with	with	ADP
ajis02-1923	249	35	high	high	ADJ
ajis02-1923	249	36	perceived	perceive	VERB
ajis02-1923	249	37	value	value	NOUN
ajis02-1923	249	38	.	.	PUNCT
ajis02-1923	250	1	this	this	PRON
ajis02-1923	250	2	supports	support	VERB
ajis02-1923	250	3	h4	h4	NOUN
ajis02-1923	250	4	,	,	PUNCT
ajis02-1923	250	5	that	that	ADV
ajis02-1923	250	6	is	is	ADV
ajis02-1923	250	7	,	,	PUNCT
ajis02-1923	250	8	customer	customer	NOUN
ajis02-1923	250	9	perceived	perceive	VERB
ajis02-1923	250	10	value	value	NOUN
ajis02-1923	250	11	has	have	VERB
ajis02-1923	250	12	a	a	DET
ajis02-1923	250	13	significant	significant	ADJ
ajis02-1923	250	14	moderating	moderate	VERB
ajis02-1923	250	15	effect	effect	NOUN
ajis02-1923	250	16	on	on	ADP
ajis02-1923	250	17	the	the	DET
ajis02-1923	250	18	relationship	relationship	NOUN
ajis02-1923	250	19	between	between	ADP
ajis02-1923	250	20	ibsds	ibsds	NOUN
ajis02-1923	250	21	process	process	NOUN
ajis02-1923	250	22	and	and	CCONJ
ajis02-1923	250	23	customer	customer	NOUN
ajis02-1923	250	24	satisfaction	satisfaction	NOUN
ajis02-1923	250	25	.	.	PUNCT
ajis02-1923	251	1	also	also	ADV
ajis02-1923	251	2	from	from	ADP
ajis02-1923	251	3	fig	fig	NOUN
ajis02-1923	251	4	.	.	PUNCT
ajis02-1923	251	5	3	3	NUM
ajis02-1923	251	6	and	and	CCONJ
ajis02-1923	251	7	table	table	NOUN
ajis02-1923	251	8	7	7	NUM
ajis02-1923	251	9	,	,	PUNCT
ajis02-1923	251	10	we	we	PRON
ajis02-1923	251	11	can	can	AUX
ajis02-1923	251	12	confirm	confirm	VERB
ajis02-1923	251	13	that	that	SCONJ
ajis02-1923	251	14	customers	customer	NOUN
ajis02-1923	251	15	with	with	ADP
ajis02-1923	251	16	low	low	ADJ
ajis02-1923	251	17	perceived	perceive	VERB
ajis02-1923	251	18	value	value	NOUN
ajis02-1923	251	19	have	have	VERB
ajis02-1923	251	20	significantly	significantly	ADV
ajis02-1923	251	21	lower	low	ADJ
ajis02-1923	251	22	behavioural	behavioural	ADJ
ajis02-1923	251	23	intention	intention	NOUN
ajis02-1923	251	24	to	to	ADP
ajis02-1923	251	25	continuance	continuance	NOUN
ajis02-1923	251	26	use	use	NOUN
ajis02-1923	251	27	of	of	ADP
ajis02-1923	251	28	internet	internet	NOUN
ajis02-1923	251	29	banking	banking	NOUN
ajis02-1923	251	30	than	than	ADP
ajis02-1923	251	31	customers	customer	NOUN
ajis02-1923	251	32	with	with	ADP
ajis02-1923	251	33	high	high	ADJ
ajis02-1923	251	34	perceived	perceive	VERB
ajis02-1923	251	35	value	value	NOUN
ajis02-1923	251	36	.	.	PUNCT
ajis02-1923	252	1	this	this	PRON
ajis02-1923	252	2	supports	support	VERB
ajis02-1923	252	3	h5	h5	NOUN
ajis02-1923	252	4	,	,	PUNCT
ajis02-1923	252	5	that	that	ADV
ajis02-1923	252	6	is	is	ADV
ajis02-1923	252	7	,	,	PUNCT
ajis02-1923	252	8	customer	customer	NOUN
ajis02-1923	252	9	perceived	perceive	VERB
ajis02-1923	252	10	value	value	NOUN
ajis02-1923	252	11	australasian	australasian	ADJ
ajis02-1923	252	12	journal	journal	NOUN
ajis02-1923	252	13	of	of	ADP
ajis02-1923	252	14	information	information	NOUN
ajis02-1923	252	15	systems	system	NOUN
ajis02-1923	252	16	kumar	kumar	PROPN
ajis02-1923	252	17	,	,	PUNCT
ajis02-1923	252	18	sachan	sachan	PROPN
ajis02-1923	252	19	&	&	CCONJ
ajis02-1923	252	20	kumar	kumar	PROPN
ajis02-1923	252	21	2020	2020	PROPN
ajis02-1923	252	22	,	,	PUNCT
ajis02-1923	252	23	vol	vol	NOUN
ajis02-1923	252	24	24	24	NUM
ajis02-1923	252	25	,	,	PUNCT
ajis02-1923	252	26	research	research	NOUN
ajis02-1923	252	27	article	article	NOUN
ajis02-1923	252	28	service	service	NOUN
ajis02-1923	252	29	delivery	delivery	NOUN
ajis02-1923	252	30	and	and	CCONJ
ajis02-1923	252	31	perceived	perceive	VERB
ajis02-1923	252	32	value	value	NOUN
ajis02-1923	252	33	in	in	ADP
ajis02-1923	252	34	internet	internet	NOUN
ajis02-1923	252	35	banking	banking	NOUN
ajis02-1923	252	36	adoption	adoption	NOUN
ajis02-1923	252	37	14	14	NUM
ajis02-1923	252	38	has	have	VERB
ajis02-1923	252	39	a	a	DET
ajis02-1923	252	40	significant	significant	ADJ
ajis02-1923	252	41	moderating	moderate	VERB
ajis02-1923	252	42	effect	effect	NOUN
ajis02-1923	252	43	on	on	ADP
ajis02-1923	252	44	the	the	DET
ajis02-1923	252	45	relationship	relationship	NOUN
ajis02-1923	252	46	between	between	ADP
ajis02-1923	252	47	customer	customer	NOUN
ajis02-1923	252	48	satisfaction	satisfaction	NOUN
ajis02-1923	252	49	and	and	CCONJ
ajis02-1923	252	50	customer	customer	NOUN
ajis02-1923	252	51	behavioural	behavioural	ADJ
ajis02-1923	252	52	intention	intention	NOUN
ajis02-1923	252	53	.	.	PUNCT
ajis02-1923	253	1	fig	fig	NOUN
ajis02-1923	253	2	.	.	PUNCT
ajis02-1923	254	1	2	2	X
ajis02-1923	254	2	.	.	X
ajis02-1923	254	3	moderating	moderate	VERB
ajis02-1923	254	4	effect	effect	NOUN
ajis02-1923	254	5	of	of	ADP
ajis02-1923	254	6	perceived	perceive	VERB
ajis02-1923	254	7	value	value	NOUN
ajis02-1923	254	8	on	on	ADP
ajis02-1923	254	9	the	the	DET
ajis02-1923	254	10	relationship	relationship	NOUN
ajis02-1923	254	11	between	between	ADP
ajis02-1923	254	12	ibsds	ibsds	NOUN
ajis02-1923	254	13	process	process	NOUN
ajis02-1923	254	14	and	and	CCONJ
ajis02-1923	254	15	customer	customer	NOUN
ajis02-1923	254	16	satisfaction	satisfaction	NOUN
ajis02-1923	254	17	.	.	PUNCT
ajis02-1923	255	1	fig	fig	NOUN
ajis02-1923	255	2	.	.	PUNCT
ajis02-1923	256	1	3	3	X
ajis02-1923	256	2	.	.	X
ajis02-1923	256	3	moderating	moderate	VERB
ajis02-1923	256	4	effect	effect	NOUN
ajis02-1923	256	5	of	of	ADP
ajis02-1923	256	6	perceived	perceive	VERB
ajis02-1923	256	7	value	value	NOUN
ajis02-1923	256	8	on	on	ADP
ajis02-1923	256	9	the	the	DET
ajis02-1923	256	10	relationship	relationship	NOUN
ajis02-1923	256	11	between	between	ADP
ajis02-1923	256	12	customer	customer	NOUN
ajis02-1923	256	13	satisfaction	satisfaction	NOUN
ajis02-1923	256	14	and	and	CCONJ
ajis02-1923	256	15	behavioural	behavioural	ADJ
ajis02-1923	256	16	intention	intention	NOUN
ajis02-1923	256	17	.	.	PUNCT
ajis02-1923	257	1	5	5	NUM
ajis02-1923	257	2	discussion	discussion	NOUN
ajis02-1923	257	3	and	and	CCONJ
ajis02-1923	257	4	conclusion	conclusion	NOUN
ajis02-1923	257	5	we	we	PRON
ajis02-1923	257	6	build	build	VERB
ajis02-1923	257	7	on	on	ADP
ajis02-1923	257	8	theories	theory	NOUN
ajis02-1923	257	9	from	from	ADP
ajis02-1923	257	10	service	service	NOUN
ajis02-1923	257	11	management	management	NOUN
ajis02-1923	257	12	and	and	CCONJ
ajis02-1923	257	13	propose	propose	VERB
ajis02-1923	257	14	viewing	view	VERB
ajis02-1923	257	15	the	the	DET
ajis02-1923	257	16	interface	interface	NOUN
ajis02-1923	257	17	between	between	ADP
ajis02-1923	257	18	user	user	NOUN
ajis02-1923	257	19	and	and	CCONJ
ajis02-1923	257	20	service	service	NOUN
ajis02-1923	257	21	provider	provider	NOUN
ajis02-1923	257	22	(	(	PUNCT
ajis02-1923	257	23	i.e.	i.e.	X
ajis02-1923	257	24	,	,	PUNCT
ajis02-1923	257	25	bank	bank	NOUN
ajis02-1923	257	26	website	website	NOUN
ajis02-1923	257	27	)	)	PUNCT
ajis02-1923	257	28	to	to	PART
ajis02-1923	257	29	identify	identify	VERB
ajis02-1923	257	30	and	and	CCONJ
ajis02-1923	257	31	explain	explain	VERB
ajis02-1923	257	32	the	the	DET
ajis02-1923	257	33	possible	possible	ADJ
ajis02-1923	257	34	determinants	determinant	NOUN
ajis02-1923	257	35	of	of	ADP
ajis02-1923	257	36	internet	internet	NOUN
ajis02-1923	257	37	banking	banking	NOUN
ajis02-1923	257	38	user	user	NOUN
ajis02-1923	257	39	adoption	adoption	NOUN
ajis02-1923	257	40	.	.	PUNCT
ajis02-1923	258	1	we	we	PRON
ajis02-1923	258	2	introduce	introduce	VERB
ajis02-1923	258	3	a	a	DET
ajis02-1923	258	4	new	new	ADJ
ajis02-1923	258	5	variable	variable	NOUN
ajis02-1923	258	6	,	,	PUNCT
ajis02-1923	258	7	ibsds	ibsds	NOUN
ajis02-1923	258	8	process	process	NOUN
ajis02-1923	258	9	,	,	PUNCT
ajis02-1923	258	10	to	to	ADP
ajis02-1923	258	11	the	the	DET
ajis02-1923	258	12	internet	internet	NOUN
ajis02-1923	258	13	banking	banking	NOUN
ajis02-1923	258	14	adoption	adoption	NOUN
ajis02-1923	258	15	literature	literature	NOUN
ajis02-1923	258	16	.	.	PUNCT
ajis02-1923	259	1	our	our	PRON
ajis02-1923	259	2	study	study	NOUN
ajis02-1923	259	3	aims	aim	VERB
ajis02-1923	259	4	to	to	PART
ajis02-1923	259	5	address	address	VERB
ajis02-1923	259	6	the	the	DET
ajis02-1923	259	7	following	follow	VERB
ajis02-1923	259	8	three	three	NUM
ajis02-1923	259	9	questions	question	NOUN
ajis02-1923	259	10	:	:	PUNCT
ajis02-1923	259	11	first	first	ADV
ajis02-1923	259	12	,	,	PUNCT
ajis02-1923	259	13	what	what	DET
ajis02-1923	259	14	role	role	NOUN
ajis02-1923	259	15	does	do	AUX
ajis02-1923	259	16	the	the	DET
ajis02-1923	259	17	ibsds	ibsds	NOUN
ajis02-1923	259	18	process	process	NOUN
ajis02-1923	259	19	play	play	VERB
ajis02-1923	259	20	in	in	ADP
ajis02-1923	259	21	determining	determine	VERB
ajis02-1923	259	22	consumer	consumer	NOUN
ajis02-1923	259	23	behavioural	behavioural	ADJ
ajis02-1923	259	24	intention	intention	NOUN
ajis02-1923	259	25	in	in	ADP
ajis02-1923	259	26	using	use	VERB
ajis02-1923	259	27	internet	internet	NOUN
ajis02-1923	259	28	banking	banking	NOUN
ajis02-1923	259	29	services	service	NOUN
ajis02-1923	259	30	?	?	PUNCT
ajis02-1923	259	31	;	;	PUNCT
ajis02-1923	259	32	second	second	X
ajis02-1923	259	33	,	,	PUNCT
ajis02-1923	259	34	does	do	AUX
ajis02-1923	259	35	customer	customer	NOUN
ajis02-1923	259	36	satisfaction	satisfaction	NOUN
ajis02-1923	259	37	mediate	mediate	VERB
ajis02-1923	259	38	the	the	DET
ajis02-1923	259	39	relationship	relationship	NOUN
ajis02-1923	259	40	between	between	ADP
ajis02-1923	259	41	the	the	DET
ajis02-1923	259	42	ibsds	ibsds	NOUN
ajis02-1923	259	43	process	process	NOUN
ajis02-1923	259	44	and	and	CCONJ
ajis02-1923	259	45	consumer	consumer	NOUN
ajis02-1923	259	46	behavioural	behavioural	ADJ
ajis02-1923	259	47	intention	intention	NOUN
ajis02-1923	259	48	?	?	PUNCT
ajis02-1923	259	49	;	;	PUNCT
ajis02-1923	259	50	and	and	CCONJ
ajis02-1923	259	51	finally	finally	ADV
ajis02-1923	259	52	,	,	PUNCT
ajis02-1923	259	53	does	do	AUX
ajis02-1923	259	54	consumer	consumer	NOUN
ajis02-1923	259	55	perceived	perceive	VERB
ajis02-1923	259	56	value	value	NOUN
ajis02-1923	259	57	moderate	moderate	VERB
ajis02-1923	259	58	the	the	DET
ajis02-1923	259	59	relationships	relationship	NOUN
ajis02-1923	259	60	between	between	ADP
ajis02-1923	259	61	the	the	DET
ajis02-1923	259	62	ibsds	ibsds	NOUN
ajis02-1923	259	63	process	process	NOUN
ajis02-1923	259	64	and	and	CCONJ
ajis02-1923	259	65	customer	customer	NOUN
ajis02-1923	259	66	satisfaction	satisfaction	NOUN
ajis02-1923	259	67	,	,	PUNCT
ajis02-1923	259	68	and	and	CCONJ
ajis02-1923	259	69	between	between	ADP
ajis02-1923	259	70	customer	customer	NOUN
ajis02-1923	259	71	satisfaction	satisfaction	NOUN
ajis02-1923	259	72	and	and	CCONJ
ajis02-1923	259	73	behavioural	behavioural	ADJ
ajis02-1923	259	74	intention	intention	NOUN
ajis02-1923	259	75	?	?	PUNCT
ajis02-1923	260	1	0	0	NUM
ajis02-1923	260	2	1	1	NUM
ajis02-1923	260	3	2	2	NUM
ajis02-1923	260	4	3	3	NUM
ajis02-1923	260	5	4	4	NUM
ajis02-1923	260	6	5	5	NUM
ajis02-1923	260	7	low	low	ADJ
ajis02-1923	260	8	medium	medium	ADJ
ajis02-1923	260	9	high	high	PROPN
ajis02-1923	260	10	cu	cu	PROPN
ajis02-1923	260	11	st	st	PROPN
ajis02-1923	260	12	om	om	PROPN
ajis02-1923	260	13	er	er	INTJ
ajis02-1923	260	14	s	s	VERB
ajis02-1923	260	15	at	at	ADP
ajis02-1923	260	16	is	be	AUX
ajis02-1923	260	17	fa	fa	INTJ
ajis02-1923	260	18	ct	ct	NUM
ajis02-1923	260	19	io	io	PROPN
ajis02-1923	260	20	n	n	PROPN
ajis02-1923	260	21	ibsds	ibsds	NOUN
ajis02-1923	260	22	process	process	NOUN
ajis02-1923	260	23	the	the	DET
ajis02-1923	260	24	moderating	moderate	VERB
ajis02-1923	260	25	effect	effect	NOUN
ajis02-1923	260	26	of	of	ADP
ajis02-1923	260	27	perceived	perceive	VERB
ajis02-1923	260	28	value	value	NOUN
ajis02-1923	260	29	on	on	ADP
ajis02-1923	260	30	the	the	DET
ajis02-1923	260	31	relationship	relationship	NOUN
ajis02-1923	260	32	between	between	ADP
ajis02-1923	260	33	ibsds	ibsds	NOUN
ajis02-1923	260	34	process	process	NOUN
ajis02-1923	260	35	and	and	CCONJ
ajis02-1923	260	36	customer	customer	NOUN
ajis02-1923	260	37	satisfaction	satisfaction	NOUN
ajis02-1923	260	38	low	low	ADJ
ajis02-1923	260	39	perceived	perceive	VERB
ajis02-1923	260	40	value	value	NOUN
ajis02-1923	260	41	med	me	VERB
ajis02-1923	260	42	perceived	perceive	VERB
ajis02-1923	260	43	value	value	NOUN
ajis02-1923	260	44	high	high	ADV
ajis02-1923	260	45	perceived	perceive	VERB
ajis02-1923	260	46	value	value	NOUN
ajis02-1923	260	47	0	0	NUM
ajis02-1923	260	48	1	1	NUM
ajis02-1923	260	49	2	2	NUM
ajis02-1923	260	50	3	3	NUM
ajis02-1923	260	51	4	4	NUM
ajis02-1923	260	52	5	5	NUM
ajis02-1923	260	53	low	low	ADJ
ajis02-1923	260	54	medium	medium	ADJ
ajis02-1923	260	55	high	high	ADJ
ajis02-1923	260	56	be	be	AUX
ajis02-1923	260	57	ha	ha	INTJ
ajis02-1923	260	58	vi	vi	PROPN
ajis02-1923	260	59	or	or	CCONJ
ajis02-1923	260	60	al	al	PROPN
ajis02-1923	260	61	in	in	ADP
ajis02-1923	260	62	te	te	PROPN
ajis02-1923	260	63	nt	not	PART
ajis02-1923	260	64	io	io	PROPN
ajis02-1923	260	65	n	n	PRON
ajis02-1923	260	66	customer	customer	NOUN
ajis02-1923	260	67	satisfaction	satisfaction	NOUN
ajis02-1923	260	68	moderating	moderate	VERB
ajis02-1923	260	69	effect	effect	NOUN
ajis02-1923	260	70	of	of	ADP
ajis02-1923	260	71	perceived	perceive	VERB
ajis02-1923	260	72	value	value	NOUN
ajis02-1923	260	73	on	on	ADP
ajis02-1923	260	74	the	the	DET
ajis02-1923	260	75	relationship	relationship	NOUN
ajis02-1923	260	76	between	between	ADP
ajis02-1923	260	77	customer	customer	NOUN
ajis02-1923	260	78	satisfaction	satisfaction	NOUN
ajis02-1923	260	79	and	and	CCONJ
ajis02-1923	260	80	behavioral	behavioral	ADJ
ajis02-1923	260	81	intention	intention	NOUN
ajis02-1923	260	82	low	low	ADJ
ajis02-1923	260	83	perceived	perceive	VERB
ajis02-1923	260	84	value	value	NOUN
ajis02-1923	260	85	med	me	VERB
ajis02-1923	260	86	perceived	perceive	VERB
ajis02-1923	260	87	value	value	NOUN
ajis02-1923	260	88	high	high	ADV
ajis02-1923	260	89	perceived	perceive	VERB
ajis02-1923	260	90	value	value	NOUN
ajis02-1923	260	91	australasian	australasian	ADJ
ajis02-1923	260	92	journal	journal	NOUN
ajis02-1923	260	93	of	of	ADP
ajis02-1923	260	94	information	information	NOUN
ajis02-1923	260	95	systems	system	NOUN
ajis02-1923	260	96	kumar	kumar	PROPN
ajis02-1923	260	97	,	,	PUNCT
ajis02-1923	260	98	sachan	sachan	PROPN
ajis02-1923	260	99	&	&	CCONJ
ajis02-1923	260	100	kumar	kumar	PROPN
ajis02-1923	260	101	2020	2020	PROPN
ajis02-1923	260	102	,	,	PUNCT
ajis02-1923	260	103	vol	vol	NOUN
ajis02-1923	260	104	24	24	NUM
ajis02-1923	260	105	,	,	PUNCT
ajis02-1923	260	106	research	research	NOUN
ajis02-1923	260	107	article	article	NOUN
ajis02-1923	260	108	service	service	NOUN
ajis02-1923	260	109	delivery	delivery	NOUN
ajis02-1923	260	110	and	and	CCONJ
ajis02-1923	260	111	perceived	perceive	VERB
ajis02-1923	260	112	value	value	NOUN
ajis02-1923	260	113	in	in	ADP
ajis02-1923	260	114	internet	internet	NOUN
ajis02-1923	260	115	banking	banking	NOUN
ajis02-1923	260	116	adoption	adoption	NOUN
ajis02-1923	260	117	15	15	NUM
ajis02-1923	260	118	our	our	PRON
ajis02-1923	260	119	results	result	NOUN
ajis02-1923	260	120	are	be	AUX
ajis02-1923	260	121	encouraging	encourage	VERB
ajis02-1923	260	122	and	and	CCONJ
ajis02-1923	260	123	provide	provide	VERB
ajis02-1923	260	124	theoretical	theoretical	ADJ
ajis02-1923	260	125	and	and	CCONJ
ajis02-1923	260	126	practical	practical	ADJ
ajis02-1923	260	127	insights	insight	NOUN
ajis02-1923	260	128	into	into	ADP
ajis02-1923	260	129	the	the	DET
ajis02-1923	260	130	adoption	adoption	NOUN
ajis02-1923	260	131	of	of	ADP
ajis02-1923	260	132	internet	internet	NOUN
ajis02-1923	260	133	banking	banking	NOUN
ajis02-1923	260	134	beyond	beyond	ADP
ajis02-1923	260	135	those	those	PRON
ajis02-1923	260	136	specified	specify	VERB
ajis02-1923	260	137	in	in	ADP
ajis02-1923	260	138	existing	exist	VERB
ajis02-1923	260	139	literature	literature	NOUN
ajis02-1923	260	140	(	(	PUNCT
ajis02-1923	260	141	e.g.	e.g.	ADV
ajis02-1923	260	142	,	,	PUNCT
ajis02-1923	260	143	tan	tan	PROPN
ajis02-1923	260	144	and	and	CCONJ
ajis02-1923	260	145	teo	teo	PROPN
ajis02-1923	260	146	,	,	PUNCT
ajis02-1923	260	147	2000	2000	NUM
ajis02-1923	260	148	;	;	PUNCT
ajis02-1923	260	149	bauer	bauer	PROPN
ajis02-1923	260	150	,	,	PUNCT
ajis02-1923	260	151	hammerschmidt	hammerschmidt	NOUN
ajis02-1923	260	152	and	and	CCONJ
ajis02-1923	260	153	falk	falk	NOUN
ajis02-1923	260	154	,	,	PUNCT
ajis02-1923	260	155	2005	2005	NUM
ajis02-1923	260	156	;	;	PUNCT
ajis02-1923	260	157	khalfan	khalfan	PROPN
ajis02-1923	260	158	,	,	PUNCT
ajis02-1923	260	159	alrefaei	alrefaei	NOUN
ajis02-1923	260	160	and	and	CCONJ
ajis02-1923	260	161	al	al	PROPN
ajis02-1923	260	162	-	-	PUNCT
ajis02-1923	260	163	hajery	hajery	NOUN
ajis02-1923	260	164	,	,	PUNCT
ajis02-1923	260	165	2006	2006	NUM
ajis02-1923	260	166	;	;	PUNCT
ajis02-1923	260	167	al	al	PROPN
ajis02-1923	260	168	-	-	PUNCT
ajis02-1923	260	169	somali	somali	ADJ
ajis02-1923	260	170	,	,	PUNCT
ajis02-1923	260	171	gholami	gholami	PROPN
ajis02-1923	260	172	and	and	CCONJ
ajis02-1923	260	173	clegg	clegg	PROPN
ajis02-1923	260	174	,	,	PUNCT
ajis02-1923	260	175	2009	2009	NUM
ajis02-1923	260	176	;	;	PUNCT
ajis02-1923	260	177	kesharwani	kesharwani	PROPN
ajis02-1923	260	178	and	and	CCONJ
ajis02-1923	260	179	bisht	bisht	ADJ
ajis02-1923	260	180	,	,	PUNCT
ajis02-1923	260	181	2012	2012	NUM
ajis02-1923	260	182	)	)	PUNCT
ajis02-1923	260	183	.	.	PUNCT
ajis02-1923	261	1	overall	overall	ADV
ajis02-1923	261	2	,	,	PUNCT
ajis02-1923	261	3	the	the	DET
ajis02-1923	261	4	results	result	NOUN
ajis02-1923	261	5	support	support	VERB
ajis02-1923	261	6	the	the	DET
ajis02-1923	261	7	significance	significance	NOUN
ajis02-1923	261	8	of	of	ADP
ajis02-1923	261	9	ibsds	ibsds	NOUN
ajis02-1923	261	10	process	process	NOUN
ajis02-1923	261	11	,	,	PUNCT
ajis02-1923	261	12	which	which	PRON
ajis02-1923	261	13	exhibits	exhibit	VERB
ajis02-1923	261	14	reasonable	reasonable	ADJ
ajis02-1923	261	15	accuracy	accuracy	NOUN
ajis02-1923	261	16	and	and	CCONJ
ajis02-1923	261	17	statistical	statistical	ADJ
ajis02-1923	261	18	significance	significance	NOUN
ajis02-1923	261	19	.	.	PUNCT
ajis02-1923	262	1	based	base	VERB
ajis02-1923	262	2	on	on	ADP
ajis02-1923	262	3	the	the	DET
ajis02-1923	262	4	mediated	mediate	VERB
ajis02-1923	262	5	regression	regression	NOUN
ajis02-1923	262	6	and	and	CCONJ
ajis02-1923	262	7	spss	spss	ADJ
ajis02-1923	262	8	process	process	NOUN
ajis02-1923	262	9	for	for	ADP
ajis02-1923	262	10	moderating	moderate	VERB
ajis02-1923	262	11	effect	effect	NOUN
ajis02-1923	262	12	,	,	PUNCT
ajis02-1923	262	13	as	as	SCONJ
ajis02-1923	262	14	described	describe	VERB
ajis02-1923	262	15	in	in	ADP
ajis02-1923	262	16	this	this	DET
ajis02-1923	262	17	study	study	NOUN
ajis02-1923	262	18	,	,	PUNCT
ajis02-1923	262	19	three	three	NUM
ajis02-1923	262	20	primary	primary	ADJ
ajis02-1923	262	21	conclusions	conclusion	NOUN
ajis02-1923	262	22	are	be	AUX
ajis02-1923	262	23	drawn	draw	VERB
ajis02-1923	262	24	from	from	ADP
ajis02-1923	262	25	this	this	DET
ajis02-1923	262	26	research	research	NOUN
ajis02-1923	262	27	as	as	SCONJ
ajis02-1923	262	28	discussed	discuss	VERB
ajis02-1923	262	29	below	below	ADV
ajis02-1923	262	30	.	.	PUNCT
ajis02-1923	263	1	the	the	DET
ajis02-1923	263	2	first	first	ADJ
ajis02-1923	263	3	aim	aim	NOUN
ajis02-1923	263	4	of	of	ADP
ajis02-1923	263	5	this	this	DET
ajis02-1923	263	6	study	study	NOUN
ajis02-1923	263	7	is	be	AUX
ajis02-1923	263	8	to	to	PART
ajis02-1923	263	9	examine	examine	VERB
ajis02-1923	263	10	the	the	DET
ajis02-1923	263	11	effect	effect	NOUN
ajis02-1923	263	12	of	of	ADP
ajis02-1923	263	13	ibsds	ibsds	NOUN
ajis02-1923	263	14	process	process	NOUN
ajis02-1923	263	15	on	on	ADP
ajis02-1923	263	16	customer	customer	NOUN
ajis02-1923	263	17	satisfaction	satisfaction	NOUN
ajis02-1923	263	18	.	.	PUNCT
ajis02-1923	264	1	the	the	DET
ajis02-1923	264	2	result	result	NOUN
ajis02-1923	264	3	of	of	ADP
ajis02-1923	264	4	the	the	DET
ajis02-1923	264	5	mediated	mediate	VERB
ajis02-1923	264	6	regression	regression	NOUN
ajis02-1923	264	7	analysis	analysis	NOUN
ajis02-1923	264	8	is	be	AUX
ajis02-1923	264	9	consistent	consistent	ADJ
ajis02-1923	264	10	with	with	ADP
ajis02-1923	264	11	our	our	PRON
ajis02-1923	264	12	hypothesis	hypothesis	NOUN
ajis02-1923	264	13	.	.	PUNCT
ajis02-1923	265	1	besides	besides	ADV
ajis02-1923	265	2	,	,	PUNCT
ajis02-1923	265	3	it	it	PRON
ajis02-1923	265	4	is	be	AUX
ajis02-1923	265	5	also	also	ADV
ajis02-1923	265	6	consistent	consistent	ADJ
ajis02-1923	265	7	with	with	ADP
ajis02-1923	265	8	past	past	ADJ
ajis02-1923	265	9	studies	study	NOUN
ajis02-1923	265	10	(	(	PUNCT
ajis02-1923	265	11	e.g.	e.g.	ADV
ajis02-1923	265	12	,	,	PUNCT
ajis02-1923	265	13	ba	ba	PROPN
ajis02-1923	265	14	&	&	CCONJ
ajis02-1923	265	15	johansson	johansson	PROPN
ajis02-1923	265	16	,	,	PUNCT
ajis02-1923	265	17	2008	2008	NUM
ajis02-1923	265	18	;	;	PUNCT
ajis02-1923	265	19	sachan	sachan	VERB
ajis02-1923	265	20	et	et	PROPN
ajis02-1923	265	21	al	al	PROPN
ajis02-1923	265	22	.	.	PROPN
ajis02-1923	265	23	,	,	PUNCT
ajis02-1923	265	24	2018	2018	NUM
ajis02-1923	265	25	)	)	PUNCT
ajis02-1923	265	26	which	which	PRON
ajis02-1923	265	27	state	state	VERB
ajis02-1923	265	28	that	that	SCONJ
ajis02-1923	265	29	the	the	DET
ajis02-1923	265	30	service	service	NOUN
ajis02-1923	265	31	delivery	delivery	NOUN
ajis02-1923	265	32	process	process	NOUN
ajis02-1923	265	33	acts	act	VERB
ajis02-1923	265	34	as	as	ADP
ajis02-1923	265	35	an	an	DET
ajis02-1923	265	36	antecedent	antecedent	NOUN
ajis02-1923	265	37	of	of	ADP
ajis02-1923	265	38	customer	customer	NOUN
ajis02-1923	265	39	satisfaction	satisfaction	NOUN
ajis02-1923	265	40	.	.	PUNCT
ajis02-1923	266	1	our	our	PRON
ajis02-1923	266	2	research	research	NOUN
ajis02-1923	266	3	demonstrates	demonstrate	VERB
ajis02-1923	266	4	that	that	SCONJ
ajis02-1923	266	5	as	as	SCONJ
ajis02-1923	266	6	the	the	DET
ajis02-1923	266	7	ibsds	ibsds	NOUN
ajis02-1923	266	8	process	process	NOUN
ajis02-1923	266	9	improves	improve	VERB
ajis02-1923	266	10	,	,	PUNCT
ajis02-1923	266	11	it	it	PRON
ajis02-1923	266	12	provides	provide	VERB
ajis02-1923	266	13	consumers	consumer	NOUN
ajis02-1923	266	14	more	more	ADJ
ajis02-1923	266	15	control	control	NOUN
ajis02-1923	266	16	and	and	CCONJ
ajis02-1923	266	17	choices	choice	NOUN
ajis02-1923	266	18	in	in	ADP
ajis02-1923	266	19	the	the	DET
ajis02-1923	266	20	service	service	NOUN
ajis02-1923	266	21	process	process	NOUN
ajis02-1923	266	22	,	,	PUNCT
ajis02-1923	266	23	leading	lead	VERB
ajis02-1923	266	24	to	to	ADP
ajis02-1923	266	25	greater	great	ADJ
ajis02-1923	266	26	satisfaction	satisfaction	NOUN
ajis02-1923	266	27	.	.	PUNCT
ajis02-1923	267	1	the	the	DET
ajis02-1923	267	2	second	second	ADJ
ajis02-1923	267	3	conclusion	conclusion	NOUN
ajis02-1923	267	4	is	be	AUX
ajis02-1923	267	5	that	that	SCONJ
ajis02-1923	267	6	customer	customer	NOUN
ajis02-1923	267	7	satisfaction	satisfaction	NOUN
ajis02-1923	267	8	mediates	mediate	VERB
ajis02-1923	267	9	the	the	DET
ajis02-1923	267	10	relationship	relationship	NOUN
ajis02-1923	267	11	between	between	ADP
ajis02-1923	267	12	the	the	DET
ajis02-1923	267	13	ibsds	ibsds	NOUN
ajis02-1923	267	14	process	process	NOUN
ajis02-1923	267	15	and	and	CCONJ
ajis02-1923	267	16	consumer	consumer	NOUN
ajis02-1923	267	17	behavioural	behavioural	ADJ
ajis02-1923	267	18	intention	intention	NOUN
ajis02-1923	267	19	.	.	PUNCT
ajis02-1923	268	1	this	this	PRON
ajis02-1923	268	2	is	be	AUX
ajis02-1923	268	3	consistent	consistent	ADJ
ajis02-1923	268	4	with	with	ADP
ajis02-1923	268	5	previous	previous	ADJ
ajis02-1923	268	6	findings	finding	NOUN
ajis02-1923	268	7	(	(	PUNCT
ajis02-1923	268	8	e.g.	e.g.	ADV
ajis02-1923	268	9	,	,	PUNCT
ajis02-1923	268	10	chang	chang	PROPN
ajis02-1923	268	11	&	&	CCONJ
ajis02-1923	268	12	wang	wang	PROPN
ajis02-1923	268	13	,	,	PUNCT
ajis02-1923	268	14	2011	2011	NUM
ajis02-1923	268	15	;	;	PUNCT
ajis02-1923	268	16	chang	chang	PROPN
ajis02-1923	268	17	et	et	PROPN
ajis02-1923	268	18	al	al	PROPN
ajis02-1923	268	19	.	.	PROPN
ajis02-1923	268	20	,	,	PUNCT
ajis02-1923	268	21	2009	2009	NUM
ajis02-1923	268	22	)	)	PUNCT
ajis02-1923	268	23	.	.	PUNCT
ajis02-1923	269	1	the	the	DET
ajis02-1923	269	2	results	result	NOUN
ajis02-1923	269	3	illustrate	illustrate	VERB
ajis02-1923	269	4	that	that	DET
ajis02-1923	269	5	pleasant	pleasant	ADJ
ajis02-1923	269	6	experience	experience	NOUN
ajis02-1923	269	7	with	with	ADP
ajis02-1923	269	8	the	the	DET
ajis02-1923	269	9	ibps	ibps	NOUN
ajis02-1923	269	10	process	process	NOUN
ajis02-1923	269	11	translates	translate	VERB
ajis02-1923	269	12	into	into	ADP
ajis02-1923	269	13	enhanced	enhanced	ADJ
ajis02-1923	269	14	customer	customer	NOUN
ajis02-1923	269	15	satisfaction	satisfaction	NOUN
ajis02-1923	269	16	,	,	PUNCT
ajis02-1923	269	17	which	which	PRON
ajis02-1923	269	18	in	in	ADP
ajis02-1923	269	19	turn	turn	NOUN
ajis02-1923	269	20	,	,	PUNCT
ajis02-1923	269	21	motivates	motivate	VERB
ajis02-1923	269	22	customers	customer	NOUN
ajis02-1923	269	23	to	to	PART
ajis02-1923	269	24	adopt	adopt	VERB
ajis02-1923	269	25	internet	internet	NOUN
ajis02-1923	269	26	banking	banking	NOUN
ajis02-1923	269	27	.	.	PUNCT
ajis02-1923	270	1	the	the	DET
ajis02-1923	270	2	results	result	NOUN
ajis02-1923	270	3	are	be	AUX
ajis02-1923	270	4	encouraging	encourage	VERB
ajis02-1923	270	5	and	and	CCONJ
ajis02-1923	270	6	provide	provide	VERB
ajis02-1923	270	7	theoretical	theoretical	ADJ
ajis02-1923	270	8	and	and	CCONJ
ajis02-1923	270	9	practical	practical	ADJ
ajis02-1923	270	10	insights	insight	NOUN
ajis02-1923	270	11	into	into	ADP
ajis02-1923	270	12	the	the	DET
ajis02-1923	270	13	acceptance	acceptance	NOUN
ajis02-1923	270	14	and	and	CCONJ
ajis02-1923	270	15	use	use	NOUN
ajis02-1923	270	16	of	of	ADP
ajis02-1923	270	17	internet	internet	NOUN
ajis02-1923	270	18	banking	banking	NOUN
ajis02-1923	270	19	services	service	NOUN
ajis02-1923	270	20	beyond	beyond	ADP
ajis02-1923	270	21	those	those	PRON
ajis02-1923	270	22	specified	specify	VERB
ajis02-1923	270	23	in	in	ADP
ajis02-1923	270	24	the	the	DET
ajis02-1923	270	25	existing	exist	VERB
ajis02-1923	270	26	literature	literature	NOUN
ajis02-1923	270	27	.	.	PUNCT
ajis02-1923	271	1	the	the	DET
ajis02-1923	271	2	third	third	ADJ
ajis02-1923	271	3	conclusion	conclusion	NOUN
ajis02-1923	271	4	of	of	ADP
ajis02-1923	271	5	this	this	DET
ajis02-1923	271	6	study	study	NOUN
ajis02-1923	271	7	is	be	AUX
ajis02-1923	271	8	that	that	SCONJ
ajis02-1923	271	9	consumer	consumer	NOUN
ajis02-1923	271	10	perceived	perceive	VERB
ajis02-1923	271	11	value	value	NOUN
ajis02-1923	271	12	moderates	moderate	VERB
ajis02-1923	271	13	the	the	DET
ajis02-1923	271	14	relationships	relationship	NOUN
ajis02-1923	271	15	between	between	ADP
ajis02-1923	271	16	ibsds	ibsds	NOUN
ajis02-1923	271	17	process	process	NOUN
ajis02-1923	271	18	and	and	CCONJ
ajis02-1923	271	19	customer	customer	NOUN
ajis02-1923	271	20	satisfaction	satisfaction	NOUN
ajis02-1923	271	21	,	,	PUNCT
ajis02-1923	271	22	and	and	CCONJ
ajis02-1923	271	23	between	between	ADP
ajis02-1923	271	24	customer	customer	NOUN
ajis02-1923	271	25	satisfaction	satisfaction	NOUN
ajis02-1923	271	26	and	and	CCONJ
ajis02-1923	271	27	behavioural	behavioural	ADJ
ajis02-1923	271	28	intention	intention	NOUN
ajis02-1923	271	29	.	.	PUNCT
ajis02-1923	272	1	the	the	DET
ajis02-1923	272	2	results	result	NOUN
ajis02-1923	272	3	are	be	AUX
ajis02-1923	272	4	consistent	consistent	ADJ
ajis02-1923	272	5	with	with	ADP
ajis02-1923	272	6	our	our	PRON
ajis02-1923	272	7	hypotheses	hypothesis	NOUN
ajis02-1923	272	8	.	.	PUNCT
ajis02-1923	273	1	extant	extant	ADJ
ajis02-1923	273	2	research	research	NOUN
ajis02-1923	273	3	(	(	PUNCT
ajis02-1923	273	4	e.g.	e.g.	ADV
ajis02-1923	273	5	,	,	PUNCT
ajis02-1923	273	6	caruana	caruana	PROPN
ajis02-1923	273	7	,	,	PUNCT
ajis02-1923	273	8	money	money	NOUN
ajis02-1923	273	9	and	and	CCONJ
ajis02-1923	273	10	berthon	berthon	PROPN
ajis02-1923	273	11	,	,	PUNCT
ajis02-1923	273	12	1998	1998	NUM
ajis02-1923	273	13	)	)	PUNCT
ajis02-1923	273	14	has	have	AUX
ajis02-1923	273	15	examined	examine	VERB
ajis02-1923	273	16	the	the	DET
ajis02-1923	273	17	moderating	moderate	VERB
ajis02-1923	273	18	effect	effect	NOUN
ajis02-1923	273	19	of	of	ADP
ajis02-1923	273	20	perceived	perceive	VERB
ajis02-1923	273	21	value	value	NOUN
ajis02-1923	273	22	on	on	ADP
ajis02-1923	273	23	the	the	DET
ajis02-1923	273	24	relationship	relationship	NOUN
ajis02-1923	273	25	between	between	ADP
ajis02-1923	273	26	service	service	NOUN
ajis02-1923	273	27	quality	quality	NOUN
ajis02-1923	273	28	and	and	CCONJ
ajis02-1923	273	29	customer	customer	NOUN
ajis02-1923	273	30	satisfaction	satisfaction	NOUN
ajis02-1923	273	31	.	.	PUNCT
ajis02-1923	274	1	the	the	DET
ajis02-1923	274	2	results	result	NOUN
ajis02-1923	274	3	provide	provide	VERB
ajis02-1923	274	4	a	a	DET
ajis02-1923	274	5	basis	basis	NOUN
ajis02-1923	274	6	for	for	ADP
ajis02-1923	274	7	understanding	understand	VERB
ajis02-1923	274	8	the	the	DET
ajis02-1923	274	9	role	role	NOUN
ajis02-1923	274	10	of	of	ADP
ajis02-1923	274	11	ibsds	ibsds	NOUN
ajis02-1923	274	12	process	process	NOUN
ajis02-1923	274	13	and	and	CCONJ
ajis02-1923	274	14	perceived	perceive	VERB
ajis02-1923	274	15	value	value	NOUN
ajis02-1923	274	16	on	on	ADP
ajis02-1923	274	17	customer	customer	NOUN
ajis02-1923	274	18	satisfaction	satisfaction	NOUN
ajis02-1923	274	19	.	.	PUNCT
ajis02-1923	275	1	it	it	PRON
ajis02-1923	275	2	can	can	AUX
ajis02-1923	275	3	be	be	AUX
ajis02-1923	275	4	argued	argue	VERB
ajis02-1923	275	5	that	that	SCONJ
ajis02-1923	275	6	while	while	SCONJ
ajis02-1923	275	7	the	the	DET
ajis02-1923	275	8	technical	technical	ADJ
ajis02-1923	275	9	capability	capability	NOUN
ajis02-1923	275	10	may	may	AUX
ajis02-1923	275	11	not	not	PART
ajis02-1923	275	12	be	be	AUX
ajis02-1923	275	13	high	high	ADJ
ajis02-1923	275	14	in	in	ADP
ajis02-1923	275	15	terms	term	NOUN
ajis02-1923	275	16	of	of	ADP
ajis02-1923	275	17	a	a	DET
ajis02-1923	275	18	superior	superior	ADJ
ajis02-1923	275	19	service	service	NOUN
ajis02-1923	275	20	delivery	delivery	NOUN
ajis02-1923	275	21	process	process	NOUN
ajis02-1923	275	22	,	,	PUNCT
ajis02-1923	275	23	the	the	DET
ajis02-1923	275	24	fact	fact	NOUN
ajis02-1923	275	25	remains	remain	VERB
ajis02-1923	275	26	that	that	SCONJ
ajis02-1923	275	27	high	high	ADJ
ajis02-1923	275	28	perceived	perceive	VERB
ajis02-1923	275	29	value	value	NOUN
ajis02-1923	275	30	contributes	contribute	VERB
ajis02-1923	275	31	to	to	ADP
ajis02-1923	275	32	a	a	DET
ajis02-1923	275	33	good	good	ADJ
ajis02-1923	275	34	level	level	NOUN
ajis02-1923	275	35	of	of	ADP
ajis02-1923	275	36	customer	customer	NOUN
ajis02-1923	275	37	satisfaction	satisfaction	NOUN
ajis02-1923	275	38	.	.	PUNCT
ajis02-1923	276	1	the	the	DET
ajis02-1923	276	2	results	result	NOUN
ajis02-1923	276	3	indicate	indicate	VERB
ajis02-1923	276	4	that	that	SCONJ
ajis02-1923	276	5	customers	customer	NOUN
ajis02-1923	276	6	may	may	AUX
ajis02-1923	276	7	be	be	AUX
ajis02-1923	276	8	more	more	ADV
ajis02-1923	276	9	satisfied	satisfied	ADJ
ajis02-1923	276	10	with	with	ADP
ajis02-1923	276	11	a	a	DET
ajis02-1923	276	12	basic	basic	ADJ
ajis02-1923	276	13	level	level	NOUN
ajis02-1923	276	14	of	of	ADP
ajis02-1923	276	15	quality	quality	NOUN
ajis02-1923	276	16	provided	provide	VERB
ajis02-1923	276	17	if	if	SCONJ
ajis02-1923	276	18	they	they	PRON
ajis02-1923	276	19	receive	receive	VERB
ajis02-1923	276	20	a	a	DET
ajis02-1923	276	21	higher	high	ADJ
ajis02-1923	276	22	value	value	NOUN
ajis02-1923	276	23	from	from	ADP
ajis02-1923	276	24	online	online	ADJ
ajis02-1923	276	25	banking	banking	NOUN
ajis02-1923	276	26	services	service	NOUN
ajis02-1923	276	27	.	.	PUNCT
ajis02-1923	277	1	hence	hence	ADV
ajis02-1923	277	2	,	,	PUNCT
ajis02-1923	277	3	it	it	PRON
ajis02-1923	277	4	can	can	AUX
ajis02-1923	277	5	be	be	AUX
ajis02-1923	277	6	inferred	infer	VERB
ajis02-1923	277	7	that	that	SCONJ
ajis02-1923	277	8	even	even	ADV
ajis02-1923	277	9	if	if	SCONJ
ajis02-1923	277	10	the	the	DET
ajis02-1923	277	11	perceived	perceive	VERB
ajis02-1923	277	12	quality	quality	NOUN
ajis02-1923	277	13	of	of	ADP
ajis02-1923	277	14	the	the	DET
ajis02-1923	277	15	service	service	NOUN
ajis02-1923	277	16	delivery	delivery	NOUN
ajis02-1923	277	17	process	process	NOUN
ajis02-1923	277	18	is	be	AUX
ajis02-1923	277	19	somewhat	somewhat	ADV
ajis02-1923	277	20	lower	low	ADJ
ajis02-1923	277	21	,	,	PUNCT
ajis02-1923	277	22	a	a	DET
ajis02-1923	277	23	good	good	ADJ
ajis02-1923	277	24	level	level	NOUN
ajis02-1923	277	25	of	of	ADP
ajis02-1923	277	26	satisfaction	satisfaction	NOUN
ajis02-1923	277	27	can	can	AUX
ajis02-1923	277	28	still	still	ADV
ajis02-1923	277	29	be	be	AUX
ajis02-1923	277	30	achieved	achieve	VERB
ajis02-1923	277	31	with	with	ADP
ajis02-1923	277	32	the	the	DET
ajis02-1923	277	33	high	high	ADJ
ajis02-1923	277	34	received	receive	VERB
ajis02-1923	277	35	value	value	NOUN
ajis02-1923	277	36	.	.	PUNCT
ajis02-1923	278	1	extant	extant	ADJ
ajis02-1923	278	2	research	research	NOUN
ajis02-1923	278	3	(	(	PUNCT
ajis02-1923	278	4	e.g.	e.g.	ADV
ajis02-1923	278	5	,	,	PUNCT
ajis02-1923	278	6	anderson	anderson	PROPN
ajis02-1923	278	7	&	&	CCONJ
ajis02-1923	278	8	srinivasan	srinivasan	PROPN
ajis02-1923	278	9	,	,	PUNCT
ajis02-1923	278	10	2003	2003	NUM
ajis02-1923	278	11	;	;	PUNCT
ajis02-1923	278	12	chang	chang	PROPN
ajis02-1923	278	13	&	&	CCONJ
ajis02-1923	278	14	wang	wang	PROPN
ajis02-1923	278	15	,	,	PUNCT
ajis02-1923	278	16	2011	2011	NUM
ajis02-1923	278	17	;	;	PUNCT
ajis02-1923	278	18	chang	chang	PROPN
ajis02-1923	278	19	et	et	PROPN
ajis02-1923	278	20	al	al	PROPN
ajis02-1923	278	21	.	.	PROPN
ajis02-1923	278	22	,	,	PUNCT
ajis02-1923	278	23	2009	2009	NUM
ajis02-1923	278	24	)	)	PUNCT
ajis02-1923	278	25	also	also	ADV
ajis02-1923	278	26	shows	show	VERB
ajis02-1923	278	27	that	that	SCONJ
ajis02-1923	278	28	consumer	consumer	NOUN
ajis02-1923	278	29	perceived	perceive	VERB
ajis02-1923	278	30	value	value	NOUN
ajis02-1923	278	31	has	have	VERB
ajis02-1923	278	32	a	a	DET
ajis02-1923	278	33	moderating	moderate	VERB
ajis02-1923	278	34	effect	effect	NOUN
ajis02-1923	278	35	on	on	ADP
ajis02-1923	278	36	the	the	DET
ajis02-1923	278	37	relationship	relationship	NOUN
ajis02-1923	278	38	between	between	ADP
ajis02-1923	278	39	customer	customer	NOUN
ajis02-1923	278	40	satisfaction	satisfaction	NOUN
ajis02-1923	278	41	and	and	CCONJ
ajis02-1923	278	42	behavioural	behavioural	ADJ
ajis02-1923	278	43	intention	intention	NOUN
ajis02-1923	278	44	.	.	PUNCT
ajis02-1923	279	1	our	our	PRON
ajis02-1923	279	2	results	result	NOUN
ajis02-1923	279	3	also	also	ADV
ajis02-1923	279	4	support	support	VERB
ajis02-1923	279	5	this	this	DET
ajis02-1923	279	6	relationship	relationship	NOUN
ajis02-1923	279	7	in	in	ADP
ajis02-1923	279	8	the	the	DET
ajis02-1923	279	9	context	context	NOUN
ajis02-1923	279	10	of	of	ADP
ajis02-1923	279	11	internet	internet	NOUN
ajis02-1923	279	12	banking	banking	NOUN
ajis02-1923	279	13	.	.	PUNCT
ajis02-1923	280	1	besides	besides	SCONJ
ajis02-1923	280	2	,	,	PUNCT
ajis02-1923	280	3	they	they	PRON
ajis02-1923	280	4	also	also	ADV
ajis02-1923	280	5	highlight	highlight	VERB
ajis02-1923	280	6	that	that	DET
ajis02-1923	280	7	low	low	ADJ
ajis02-1923	280	8	satisfied	satisfied	ADJ
ajis02-1923	280	9	customers	customer	NOUN
ajis02-1923	280	10	who	who	PRON
ajis02-1923	280	11	have	have	VERB
ajis02-1923	280	12	low	low	ADJ
ajis02-1923	280	13	perceived	perceive	VERB
ajis02-1923	280	14	value	value	NOUN
ajis02-1923	280	15	will	will	AUX
ajis02-1923	280	16	have	have	VERB
ajis02-1923	280	17	a	a	DET
ajis02-1923	280	18	low	low	ADJ
ajis02-1923	280	19	behavioural	behavioural	ADJ
ajis02-1923	280	20	intention	intention	NOUN
ajis02-1923	280	21	to	to	ADP
ajis02-1923	280	22	continuance	continuance	NOUN
ajis02-1923	280	23	use	use	NOUN
ajis02-1923	280	24	of	of	ADP
ajis02-1923	280	25	internet	internet	NOUN
ajis02-1923	280	26	banking	banking	NOUN
ajis02-1923	280	27	compared	compare	VERB
ajis02-1923	280	28	to	to	ADP
ajis02-1923	280	29	low	low	ADJ
ajis02-1923	280	30	satisfied	satisfied	ADJ
ajis02-1923	280	31	customers	customer	NOUN
ajis02-1923	280	32	who	who	PRON
ajis02-1923	280	33	have	have	VERB
ajis02-1923	280	34	high	high	ADJ
ajis02-1923	280	35	perceived	perceive	VERB
ajis02-1923	280	36	value	value	NOUN
ajis02-1923	280	37	.	.	PUNCT
ajis02-1923	281	1	the	the	DET
ajis02-1923	281	2	results	result	NOUN
ajis02-1923	281	3	indicate	indicate	VERB
ajis02-1923	281	4	that	that	SCONJ
ajis02-1923	281	5	even	even	ADV
ajis02-1923	281	6	if	if	SCONJ
ajis02-1923	281	7	the	the	DET
ajis02-1923	281	8	consumers	consumer	NOUN
ajis02-1923	281	9	are	be	AUX
ajis02-1923	281	10	less	less	ADV
ajis02-1923	281	11	satisfied	satisfied	ADJ
ajis02-1923	281	12	with	with	ADP
ajis02-1923	281	13	internet	internet	NOUN
ajis02-1923	281	14	banking	banking	NOUN
ajis02-1923	281	15	,	,	PUNCT
ajis02-1923	281	16	they	they	PRON
ajis02-1923	281	17	may	may	AUX
ajis02-1923	281	18	continue	continue	VERB
ajis02-1923	281	19	its	its	PRON
ajis02-1923	281	20	use	use	NOUN
ajis02-1923	281	21	if	if	SCONJ
ajis02-1923	281	22	the	the	DET
ajis02-1923	281	23	perceived	perceive	VERB
ajis02-1923	281	24	value	value	NOUN
ajis02-1923	281	25	is	be	AUX
ajis02-1923	281	26	high	high	ADJ
ajis02-1923	281	27	.	.	PUNCT
ajis02-1923	282	1	the	the	DET
ajis02-1923	282	2	established	establish	VERB
ajis02-1923	282	3	relationships	relationship	NOUN
ajis02-1923	282	4	not	not	PART
ajis02-1923	282	5	only	only	ADV
ajis02-1923	282	6	strengthen	strengthen	VERB
ajis02-1923	282	7	the	the	DET
ajis02-1923	282	8	theoretical	theoretical	ADJ
ajis02-1923	282	9	foundations	foundation	NOUN
ajis02-1923	282	10	of	of	ADP
ajis02-1923	282	11	the	the	DET
ajis02-1923	282	12	proposed	propose	VERB
ajis02-1923	282	13	research	research	NOUN
ajis02-1923	282	14	model	model	NOUN
ajis02-1923	282	15	in	in	ADP
ajis02-1923	282	16	measuring	measure	VERB
ajis02-1923	282	17	the	the	DET
ajis02-1923	282	18	demand	demand	NOUN
ajis02-1923	282	19	-	-	PUNCT
ajis02-1923	282	20	side	side	NOUN
ajis02-1923	282	21	perspective	perspective	NOUN
ajis02-1923	282	22	but	but	CCONJ
ajis02-1923	282	23	also	also	ADV
ajis02-1923	282	24	allow	allow	VERB
ajis02-1923	282	25	policymakers	policymaker	NOUN
ajis02-1923	282	26	to	to	PART
ajis02-1923	282	27	understand	understand	VERB
ajis02-1923	282	28	the	the	DET
ajis02-1923	282	29	extended	extended	ADJ
ajis02-1923	282	30	facets	facet	NOUN
ajis02-1923	282	31	of	of	ADP
ajis02-1923	282	32	user	user	NOUN
ajis02-1923	282	33	satisfaction	satisfaction	NOUN
ajis02-1923	282	34	and	and	CCONJ
ajis02-1923	282	35	their	their	PRON
ajis02-1923	282	36	behavioural	behavioural	ADJ
ajis02-1923	282	37	intention	intention	NOUN
ajis02-1923	282	38	based	base	VERB
ajis02-1923	282	39	on	on	ADP
ajis02-1923	282	40	the	the	DET
ajis02-1923	282	41	delivery	delivery	NOUN
ajis02-1923	282	42	process	process	NOUN
ajis02-1923	282	43	of	of	ADP
ajis02-1923	282	44	internet	internet	NOUN
ajis02-1923	282	45	banking	banking	NOUN
ajis02-1923	282	46	.	.	PUNCT
ajis02-1923	283	1	this	this	DET
ajis02-1923	283	2	study	study	NOUN
ajis02-1923	283	3	provides	provide	VERB
ajis02-1923	283	4	a	a	DET
ajis02-1923	283	5	new	new	ADJ
ajis02-1923	283	6	direction	direction	NOUN
ajis02-1923	283	7	for	for	ADP
ajis02-1923	283	8	consumer	consumer	NOUN
ajis02-1923	283	9	australasian	australasian	ADJ
ajis02-1923	283	10	journal	journal	NOUN
ajis02-1923	283	11	of	of	ADP
ajis02-1923	283	12	information	information	NOUN
ajis02-1923	283	13	systems	system	NOUN
ajis02-1923	283	14	kumar	kumar	PROPN
ajis02-1923	283	15	,	,	PUNCT
ajis02-1923	283	16	sachan	sachan	PROPN
ajis02-1923	283	17	&	&	CCONJ
ajis02-1923	283	18	kumar	kumar	PROPN
ajis02-1923	283	19	2020	2020	PROPN
ajis02-1923	283	20	,	,	PUNCT
ajis02-1923	283	21	vol	vol	NOUN
ajis02-1923	283	22	24	24	NUM
ajis02-1923	283	23	,	,	PUNCT
ajis02-1923	283	24	research	research	NOUN
ajis02-1923	283	25	article	article	NOUN
ajis02-1923	283	26	service	service	NOUN
ajis02-1923	283	27	delivery	delivery	NOUN
ajis02-1923	283	28	and	and	CCONJ
ajis02-1923	283	29	perceived	perceive	VERB
ajis02-1923	283	30	value	value	NOUN
ajis02-1923	283	31	in	in	ADP
ajis02-1923	283	32	internet	internet	NOUN
ajis02-1923	283	33	banking	banking	NOUN
ajis02-1923	283	34	adoption	adoption	NOUN
ajis02-1923	283	35	16	16	NUM
ajis02-1923	283	36	behavioural	behavioural	ADJ
ajis02-1923	283	37	research	research	NOUN
ajis02-1923	283	38	by	by	ADP
ajis02-1923	283	39	considering	consider	VERB
ajis02-1923	283	40	the	the	DET
ajis02-1923	283	41	service	service	NOUN
ajis02-1923	283	42	delivery	delivery	NOUN
ajis02-1923	283	43	system	system	NOUN
ajis02-1923	283	44	process	process	NOUN
ajis02-1923	283	45	characteristics	characteristic	NOUN
ajis02-1923	283	46	of	of	ADP
ajis02-1923	283	47	the	the	DET
ajis02-1923	283	48	internet	internet	NOUN
ajis02-1923	283	49	banking	banking	NOUN
ajis02-1923	283	50	environment	environment	NOUN
ajis02-1923	283	51	.	.	PUNCT
ajis02-1923	284	1	it	it	PRON
ajis02-1923	284	2	also	also	ADV
ajis02-1923	284	3	contributes	contribute	VERB
ajis02-1923	284	4	to	to	ADP
ajis02-1923	284	5	the	the	DET
ajis02-1923	284	6	extant	extant	ADJ
ajis02-1923	284	7	literature	literature	NOUN
ajis02-1923	284	8	by	by	ADP
ajis02-1923	284	9	considering	consider	VERB
ajis02-1923	284	10	ibsds	ibsds	NOUN
ajis02-1923	284	11	process	process	NOUN
ajis02-1923	284	12	in	in	ADP
ajis02-1923	284	13	the	the	DET
ajis02-1923	284	14	proposed	propose	VERB
ajis02-1923	284	15	model	model	NOUN
ajis02-1923	284	16	,	,	PUNCT
ajis02-1923	284	17	a	a	DET
ajis02-1923	284	18	feature	feature	NOUN
ajis02-1923	284	19	not	not	PART
ajis02-1923	284	20	considered	consider	VERB
ajis02-1923	284	21	in	in	ADP
ajis02-1923	284	22	the	the	DET
ajis02-1923	284	23	erstwhile	erstwhile	ADJ
ajis02-1923	284	24	studies	study	NOUN
ajis02-1923	284	25	,	,	PUNCT
ajis02-1923	284	26	and	and	CCONJ
ajis02-1923	284	27	,	,	PUNCT
ajis02-1923	284	28	thus	thus	ADV
ajis02-1923	284	29	,	,	PUNCT
ajis02-1923	284	30	advances	advance	VERB
ajis02-1923	284	31	the	the	DET
ajis02-1923	284	32	e	e	NOUN
ajis02-1923	284	33	-	-	NOUN
ajis02-1923	284	34	service	service	ADJ
ajis02-1923	284	35	theories	theory	NOUN
ajis02-1923	284	36	related	relate	VERB
ajis02-1923	284	37	to	to	ADP
ajis02-1923	284	38	the	the	DET
ajis02-1923	284	39	adoption	adoption	NOUN
ajis02-1923	284	40	of	of	ADP
ajis02-1923	284	41	internet	internet	NOUN
ajis02-1923	284	42	banking	banking	NOUN
ajis02-1923	284	43	.	.	PUNCT
ajis02-1923	285	1	the	the	DET
ajis02-1923	285	2	study	study	NOUN
ajis02-1923	285	3	also	also	ADV
ajis02-1923	285	4	presents	present	VERB
ajis02-1923	285	5	an	an	DET
ajis02-1923	285	6	integrated	integrated	ADJ
ajis02-1923	285	7	model	model	NOUN
ajis02-1923	285	8	of	of	ADP
ajis02-1923	285	9	the	the	DET
ajis02-1923	285	10	determinants	determinant	NOUN
ajis02-1923	285	11	of	of	ADP
ajis02-1923	285	12	internet	internet	NOUN
ajis02-1923	285	13	banking	banking	NOUN
ajis02-1923	285	14	adoption	adoption	NOUN
ajis02-1923	285	15	and	and	CCONJ
ajis02-1923	285	16	use	use	NOUN
ajis02-1923	285	17	.	.	PUNCT
ajis02-1923	286	1	the	the	DET
ajis02-1923	286	2	model	model	NOUN
ajis02-1923	286	3	develops	develop	VERB
ajis02-1923	286	4	a	a	DET
ajis02-1923	286	5	new	new	ADJ
ajis02-1923	286	6	theory	theory	NOUN
ajis02-1923	286	7	by	by	ADP
ajis02-1923	286	8	identifying	identify	VERB
ajis02-1923	286	9	a	a	DET
ajis02-1923	286	10	new	new	ADJ
ajis02-1923	286	11	variable	variable	NOUN
ajis02-1923	286	12	,	,	PUNCT
ajis02-1923	286	13	the	the	DET
ajis02-1923	286	14	ibsds	ibsds	NOUN
ajis02-1923	286	15	process	process	NOUN
ajis02-1923	286	16	,	,	PUNCT
ajis02-1923	286	17	in	in	ADP
ajis02-1923	286	18	the	the	DET
ajis02-1923	286	19	integration	integration	NOUN
ajis02-1923	286	20	of	of	ADP
ajis02-1923	286	21	customer	customer	NOUN
ajis02-1923	286	22	satisfaction	satisfaction	NOUN
ajis02-1923	286	23	and	and	CCONJ
ajis02-1923	286	24	behavioural	behavioural	ADJ
ajis02-1923	286	25	intention	intention	NOUN
ajis02-1923	286	26	,	,	PUNCT
ajis02-1923	286	27	and	and	CCONJ
ajis02-1923	286	28	applying	apply	VERB
ajis02-1923	286	29	it	it	PRON
ajis02-1923	286	30	to	to	ADP
ajis02-1923	286	31	the	the	DET
ajis02-1923	286	32	internet	internet	NOUN
ajis02-1923	286	33	banking	banking	NOUN
ajis02-1923	286	34	context	context	NOUN
ajis02-1923	286	35	.	.	PUNCT
ajis02-1923	287	1	it	it	PRON
ajis02-1923	287	2	is	be	AUX
ajis02-1923	287	3	worthy	worthy	ADJ
ajis02-1923	287	4	to	to	PART
ajis02-1923	287	5	note	note	VERB
ajis02-1923	287	6	that	that	SCONJ
ajis02-1923	287	7	this	this	DET
ajis02-1923	287	8	research	research	NOUN
ajis02-1923	287	9	is	be	AUX
ajis02-1923	287	10	based	base	VERB
ajis02-1923	287	11	on	on	ADP
ajis02-1923	287	12	the	the	DET
ajis02-1923	287	13	reformation	reformation	NOUN
ajis02-1923	287	14	of	of	ADP
ajis02-1923	287	15	attitude	attitude	NOUN
ajis02-1923	287	16	theory	theory	NOUN
ajis02-1923	287	17	by	by	ADP
ajis02-1923	287	18	bagozzi	bagozzi	NOUN
ajis02-1923	287	19	(	(	PUNCT
ajis02-1923	287	20	1992	1992	NUM
ajis02-1923	287	21	)	)	PUNCT
ajis02-1923	287	22	and	and	CCONJ
ajis02-1923	287	23	the	the	DET
ajis02-1923	287	24	new	new	ADJ
ajis02-1923	287	25	variable	variable	NOUN
ajis02-1923	287	26	,	,	PUNCT
ajis02-1923	287	27	ibsds	ibsds	NOUN
ajis02-1923	287	28	process	process	NOUN
ajis02-1923	287	29	,	,	PUNCT
ajis02-1923	287	30	which	which	PRON
ajis02-1923	287	31	is	be	AUX
ajis02-1923	287	32	specific	specific	ADJ
ajis02-1923	287	33	to	to	ADP
ajis02-1923	287	34	the	the	DET
ajis02-1923	287	35	online	online	ADJ
ajis02-1923	287	36	environment	environment	NOUN
ajis02-1923	287	37	.	.	PUNCT
ajis02-1923	288	1	the	the	DET
ajis02-1923	288	2	findings	finding	NOUN
ajis02-1923	288	3	suggest	suggest	VERB
ajis02-1923	288	4	that	that	SCONJ
ajis02-1923	288	5	it	it	PRON
ajis02-1923	288	6	is	be	AUX
ajis02-1923	288	7	crucial	crucial	ADJ
ajis02-1923	288	8	for	for	SCONJ
ajis02-1923	288	9	consumer	consumer	NOUN
ajis02-1923	288	10	behaviour	behaviour	NOUN
ajis02-1923	288	11	researchers	researcher	NOUN
ajis02-1923	288	12	to	to	PART
ajis02-1923	288	13	examine	examine	VERB
ajis02-1923	288	14	the	the	DET
ajis02-1923	288	15	role	role	NOUN
ajis02-1923	288	16	of	of	ADP
ajis02-1923	288	17	the	the	DET
ajis02-1923	288	18	service	service	NOUN
ajis02-1923	288	19	delivery	delivery	NOUN
ajis02-1923	288	20	system	system	NOUN
ajis02-1923	288	21	process	process	NOUN
ajis02-1923	288	22	and	and	CCONJ
ajis02-1923	288	23	consumer	consumer	NOUN
ajis02-1923	288	24	’s	’s	PART
ajis02-1923	288	25	perceived	perceive	VERB
ajis02-1923	288	26	value	value	NOUN
ajis02-1923	288	27	,	,	PUNCT
ajis02-1923	288	28	which	which	PRON
ajis02-1923	288	29	is	be	AUX
ajis02-1923	288	30	likely	likely	ADJ
ajis02-1923	288	31	to	to	PART
ajis02-1923	288	32	affect	affect	VERB
ajis02-1923	288	33	its	its	PRON
ajis02-1923	288	34	use	use	NOUN
ajis02-1923	288	35	.	.	PUNCT
ajis02-1923	289	1	excellent	excellent	ADJ
ajis02-1923	289	2	electronic	electronic	ADJ
ajis02-1923	289	3	service	service	NOUN
ajis02-1923	289	4	(	(	PUNCT
ajis02-1923	289	5	e	e	NOUN
ajis02-1923	289	6	-	-	NOUN
ajis02-1923	289	7	service	service	NOUN
ajis02-1923	289	8	)	)	PUNCT
ajis02-1923	289	9	quality	quality	NOUN
ajis02-1923	289	10	is	be	AUX
ajis02-1923	289	11	essential	essential	ADJ
ajis02-1923	289	12	for	for	ADP
ajis02-1923	289	13	successful	successful	ADJ
ajis02-1923	289	14	internet	internet	NOUN
ajis02-1923	289	15	banking	banking	NOUN
ajis02-1923	289	16	.	.	PUNCT
ajis02-1923	290	1	from	from	ADP
ajis02-1923	290	2	a	a	DET
ajis02-1923	290	3	managerial	managerial	ADJ
ajis02-1923	290	4	standpoint	standpoint	NOUN
ajis02-1923	290	5	,	,	PUNCT
ajis02-1923	290	6	this	this	DET
ajis02-1923	290	7	study	study	NOUN
ajis02-1923	290	8	provides	provide	VERB
ajis02-1923	290	9	website	website	NOUN
ajis02-1923	290	10	designers	designer	NOUN
ajis02-1923	290	11	and	and	CCONJ
ajis02-1923	290	12	financial	financial	ADJ
ajis02-1923	290	13	service	service	NOUN
ajis02-1923	290	14	providers	provider	NOUN
ajis02-1923	290	15	a	a	DET
ajis02-1923	290	16	new	new	ADJ
ajis02-1923	290	17	perspective	perspective	NOUN
ajis02-1923	290	18	which	which	PRON
ajis02-1923	290	19	is	be	AUX
ajis02-1923	290	20	that	that	SCONJ
ajis02-1923	290	21	they	they	PRON
ajis02-1923	290	22	should	should	AUX
ajis02-1923	290	23	ensure	ensure	VERB
ajis02-1923	290	24	that	that	SCONJ
ajis02-1923	290	25	their	their	PRON
ajis02-1923	290	26	website	website	NOUN
ajis02-1923	290	27	is	be	AUX
ajis02-1923	290	28	well	well	ADV
ajis02-1923	290	29	-	-	PUNCT
ajis02-1923	290	30	designed	design	VERB
ajis02-1923	290	31	and	and	CCONJ
ajis02-1923	290	32	that	that	SCONJ
ajis02-1923	290	33	it	it	PRON
ajis02-1923	290	34	incorporates	incorporate	VERB
ajis02-1923	290	35	all	all	DET
ajis02-1923	290	36	the	the	DET
ajis02-1923	290	37	necessary	necessary	ADJ
ajis02-1923	290	38	features	feature	NOUN
ajis02-1923	290	39	and	and	CCONJ
ajis02-1923	290	40	tools	tool	NOUN
ajis02-1923	290	41	to	to	PART
ajis02-1923	290	42	provide	provide	VERB
ajis02-1923	290	43	their	their	PRON
ajis02-1923	290	44	customers	customer	NOUN
ajis02-1923	290	45	an	an	DET
ajis02-1923	290	46	easy	easy	ADJ
ajis02-1923	290	47	-	-	PUNCT
ajis02-1923	290	48	touse	touse	NOUN
ajis02-1923	290	49	,	,	PUNCT
ajis02-1923	290	50	secure	secure	ADJ
ajis02-1923	290	51	,	,	PUNCT
ajis02-1923	290	52	reliable	reliable	ADJ
ajis02-1923	290	53	and	and	CCONJ
ajis02-1923	290	54	enhanced	enhanced	ADJ
ajis02-1923	290	55	experience	experience	NOUN
ajis02-1923	290	56	.	.	PUNCT
ajis02-1923	291	1	our	our	PRON
ajis02-1923	291	2	findings	finding	NOUN
ajis02-1923	291	3	also	also	ADV
ajis02-1923	291	4	demonstrate	demonstrate	VERB
ajis02-1923	291	5	the	the	DET
ajis02-1923	291	6	impact	impact	NOUN
ajis02-1923	291	7	of	of	ADP
ajis02-1923	291	8	ibsds	ibsds	NOUN
ajis02-1923	291	9	process	process	NOUN
ajis02-1923	291	10	on	on	ADP
ajis02-1923	291	11	user	user	NOUN
ajis02-1923	291	12	satisfaction	satisfaction	NOUN
ajis02-1923	291	13	and	and	CCONJ
ajis02-1923	291	14	behavioural	behavioural	ADJ
ajis02-1923	291	15	intention	intention	NOUN
ajis02-1923	291	16	.	.	PUNCT
ajis02-1923	292	1	hence	hence	ADV
ajis02-1923	292	2	,	,	PUNCT
ajis02-1923	292	3	it	it	PRON
ajis02-1923	292	4	may	may	AUX
ajis02-1923	292	5	be	be	AUX
ajis02-1923	292	6	true	true	ADJ
ajis02-1923	292	7	that	that	SCONJ
ajis02-1923	292	8	the	the	DET
ajis02-1923	292	9	quality	quality	NOUN
ajis02-1923	292	10	of	of	ADP
ajis02-1923	292	11	the	the	DET
ajis02-1923	292	12	online	online	ADJ
ajis02-1923	292	13	interaction	interaction	NOUN
ajis02-1923	292	14	process	process	NOUN
ajis02-1923	292	15	affects	affect	VERB
ajis02-1923	292	16	users	user	NOUN
ajis02-1923	292	17	’	'	PUNCT
ajis02-1923	292	18	access	access	NOUN
ajis02-1923	292	19	decisions	decision	NOUN
ajis02-1923	292	20	,	,	PUNCT
ajis02-1923	292	21	satisfaction	satisfaction	NOUN
ajis02-1923	292	22	,	,	PUNCT
ajis02-1923	292	23	and	and	CCONJ
ajis02-1923	292	24	behavioural	behavioural	ADJ
ajis02-1923	292	25	intention	intention	NOUN
ajis02-1923	292	26	in	in	ADP
ajis02-1923	292	27	the	the	DET
ajis02-1923	292	28	context	context	NOUN
ajis02-1923	292	29	of	of	ADP
ajis02-1923	292	30	internet	internet	NOUN
ajis02-1923	292	31	banking	banking	NOUN
ajis02-1923	292	32	services	service	NOUN
ajis02-1923	292	33	.	.	PUNCT
ajis02-1923	293	1	moreover	moreover	ADV
ajis02-1923	293	2	,	,	PUNCT
ajis02-1923	293	3	consumers	consumer	NOUN
ajis02-1923	293	4	’	'	PUNCT
ajis02-1923	293	5	perceived	perceive	VERB
ajis02-1923	293	6	quality	quality	NOUN
ajis02-1923	293	7	of	of	ADP
ajis02-1923	293	8	an	an	DET
ajis02-1923	293	9	internet	internet	NOUN
ajis02-1923	293	10	banking	banking	NOUN
ajis02-1923	293	11	service	service	NOUN
ajis02-1923	293	12	is	be	AUX
ajis02-1923	293	13	reflective	reflective	ADJ
ajis02-1923	293	14	of	of	ADP
ajis02-1923	293	15	not	not	PART
ajis02-1923	293	16	only	only	ADV
ajis02-1923	293	17	the	the	DET
ajis02-1923	293	18	service	service	NOUN
ajis02-1923	293	19	quality	quality	NOUN
ajis02-1923	293	20	but	but	CCONJ
ajis02-1923	293	21	also	also	ADV
ajis02-1923	293	22	the	the	DET
ajis02-1923	293	23	quality	quality	NOUN
ajis02-1923	293	24	of	of	ADP
ajis02-1923	293	25	the	the	DET
ajis02-1923	293	26	online	online	ADJ
ajis02-1923	293	27	interaction	interaction	NOUN
ajis02-1923	293	28	process	process	NOUN
ajis02-1923	293	29	.	.	PUNCT
ajis02-1923	294	1	hence	hence	ADV
ajis02-1923	294	2	,	,	PUNCT
ajis02-1923	294	3	financial	financial	ADJ
ajis02-1923	294	4	service	service	NOUN
ajis02-1923	294	5	providers	provider	NOUN
ajis02-1923	294	6	or	or	CCONJ
ajis02-1923	294	7	related	related	ADJ
ajis02-1923	294	8	agencies	agency	NOUN
ajis02-1923	294	9	must	must	AUX
ajis02-1923	294	10	consider	consider	VERB
ajis02-1923	294	11	the	the	DET
ajis02-1923	294	12	ibsds	ibsds	NOUN
ajis02-1923	294	13	process	process	NOUN
ajis02-1923	294	14	to	to	PART
ajis02-1923	294	15	enhance	enhance	VERB
ajis02-1923	294	16	customer	customer	NOUN
ajis02-1923	294	17	satisfaction	satisfaction	NOUN
ajis02-1923	294	18	and	and	CCONJ
ajis02-1923	294	19	ultimately	ultimately	ADV
ajis02-1923	294	20	the	the	DET
ajis02-1923	294	21	adoption	adoption	NOUN
ajis02-1923	294	22	of	of	ADP
ajis02-1923	294	23	internet	internet	NOUN
ajis02-1923	294	24	banking	banking	NOUN
ajis02-1923	294	25	while	while	SCONJ
ajis02-1923	294	26	implementing	implement	VERB
ajis02-1923	294	27	their	their	PRON
ajis02-1923	294	28	online	online	ADJ
ajis02-1923	294	29	banking	banking	NOUN
ajis02-1923	294	30	strategy	strategy	NOUN
ajis02-1923	294	31	.	.	PUNCT
ajis02-1923	295	1	customer	customer	NOUN
ajis02-1923	295	2	service	service	NOUN
ajis02-1923	295	3	also	also	ADV
ajis02-1923	295	4	needs	need	VERB
ajis02-1923	295	5	to	to	PART
ajis02-1923	295	6	be	be	AUX
ajis02-1923	295	7	given	give	VERB
ajis02-1923	295	8	due	due	ADJ
ajis02-1923	295	9	attention	attention	NOUN
ajis02-1923	295	10	.	.	PUNCT
ajis02-1923	296	1	it	it	PRON
ajis02-1923	296	2	is	be	AUX
ajis02-1923	296	3	in	in	ADP
ajis02-1923	296	4	the	the	DET
ajis02-1923	296	5	interest	interest	NOUN
ajis02-1923	296	6	of	of	ADP
ajis02-1923	296	7	the	the	DET
ajis02-1923	296	8	banks	bank	NOUN
ajis02-1923	296	9	to	to	PART
ajis02-1923	296	10	offer	offer	VERB
ajis02-1923	296	11	their	their	PRON
ajis02-1923	296	12	customers	customer	NOUN
ajis02-1923	296	13	diverse	diverse	VERB
ajis02-1923	296	14	contact	contact	NOUN
ajis02-1923	296	15	channels	channel	NOUN
ajis02-1923	296	16	for	for	ADP
ajis02-1923	296	17	communication	communication	NOUN
ajis02-1923	296	18	.	.	PUNCT
ajis02-1923	297	1	the	the	DET
ajis02-1923	297	2	findings	finding	NOUN
ajis02-1923	297	3	are	be	AUX
ajis02-1923	297	4	significant	significant	ADJ
ajis02-1923	297	5	and	and	CCONJ
ajis02-1923	297	6	can	can	AUX
ajis02-1923	297	7	not	not	PART
ajis02-1923	297	8	be	be	AUX
ajis02-1923	297	9	overlooked	overlook	VERB
ajis02-1923	297	10	in	in	ADP
ajis02-1923	297	11	practice	practice	NOUN
ajis02-1923	297	12	.	.	PUNCT
ajis02-1923	298	1	6	6	NUM
ajis02-1923	298	2	limitations	limitation	NOUN
ajis02-1923	298	3	and	and	CCONJ
ajis02-1923	298	4	suggestions	suggestion	NOUN
ajis02-1923	298	5	for	for	ADP
ajis02-1923	298	6	future	future	ADJ
ajis02-1923	298	7	research	research	NOUN
ajis02-1923	298	8	the	the	DET
ajis02-1923	298	9	study	study	NOUN
ajis02-1923	298	10	has	have	VERB
ajis02-1923	298	11	some	some	DET
ajis02-1923	298	12	limitations	limitation	NOUN
ajis02-1923	298	13	,	,	PUNCT
ajis02-1923	298	14	which	which	PRON
ajis02-1923	298	15	provide	provide	VERB
ajis02-1923	298	16	a	a	DET
ajis02-1923	298	17	direction	direction	NOUN
ajis02-1923	298	18	for	for	ADP
ajis02-1923	298	19	future	future	ADJ
ajis02-1923	298	20	research	research	NOUN
ajis02-1923	298	21	.	.	PUNCT
ajis02-1923	299	1	our	our	PRON
ajis02-1923	299	2	research	research	NOUN
ajis02-1923	299	3	does	do	AUX
ajis02-1923	299	4	not	not	PART
ajis02-1923	299	5	consider	consider	VERB
ajis02-1923	299	6	several	several	ADJ
ajis02-1923	299	7	other	other	ADJ
ajis02-1923	299	8	factors	factor	NOUN
ajis02-1923	299	9	,	,	PUNCT
ajis02-1923	299	10	such	such	ADJ
ajis02-1923	299	11	as	as	ADP
ajis02-1923	299	12	the	the	DET
ajis02-1923	299	13	effect	effect	NOUN
ajis02-1923	299	14	of	of	ADP
ajis02-1923	299	15	involvement	involvement	NOUN
ajis02-1923	299	16	,	,	PUNCT
ajis02-1923	299	17	and	and	CCONJ
ajis02-1923	299	18	convenience	convenience	NOUN
ajis02-1923	299	19	orientation	orientation	NOUN
ajis02-1923	299	20	,	,	PUNCT
ajis02-1923	299	21	which	which	PRON
ajis02-1923	299	22	could	could	AUX
ajis02-1923	299	23	moderate	moderate	VERB
ajis02-1923	299	24	the	the	DET
ajis02-1923	299	25	relationships	relationship	NOUN
ajis02-1923	299	26	under	under	ADP
ajis02-1923	299	27	study	study	NOUN
ajis02-1923	299	28	.	.	PUNCT
ajis02-1923	300	1	future	future	ADJ
ajis02-1923	300	2	research	research	NOUN
ajis02-1923	300	3	could	could	AUX
ajis02-1923	300	4	also	also	ADV
ajis02-1923	300	5	study	study	VERB
ajis02-1923	300	6	the	the	DET
ajis02-1923	300	7	effect	effect	NOUN
ajis02-1923	300	8	of	of	ADP
ajis02-1923	300	9	demographic	demographic	ADJ
ajis02-1923	300	10	characteristics	characteristic	NOUN
ajis02-1923	300	11	like	like	ADP
ajis02-1923	300	12	age	age	NOUN
ajis02-1923	300	13	,	,	PUNCT
ajis02-1923	300	14	gender	gender	NOUN
ajis02-1923	300	15	,	,	PUNCT
ajis02-1923	300	16	and	and	CCONJ
ajis02-1923	300	17	experience	experience	NOUN
ajis02-1923	300	18	on	on	ADP
ajis02-1923	300	19	the	the	DET
ajis02-1923	300	20	adoption	adoption	NOUN
ajis02-1923	300	21	of	of	ADP
ajis02-1923	300	22	internet	internet	NOUN
ajis02-1923	300	23	banking	banking	NOUN
ajis02-1923	300	24	services	service	NOUN
ajis02-1923	300	25	.	.	PUNCT
ajis02-1923	301	1	besides	besides	SCONJ
ajis02-1923	301	2	,	,	PUNCT
ajis02-1923	301	3	the	the	DET
ajis02-1923	301	4	data	data	NOUN
ajis02-1923	301	5	sample	sample	NOUN
ajis02-1923	301	6	used	use	VERB
ajis02-1923	301	7	in	in	ADP
ajis02-1923	301	8	this	this	DET
ajis02-1923	301	9	study	study	NOUN
ajis02-1923	301	10	,	,	PUNCT
ajis02-1923	301	11	which	which	PRON
ajis02-1923	301	12	is	be	AUX
ajis02-1923	301	13	416	416	NUM
ajis02-1923	301	14	,	,	PUNCT
ajis02-1923	301	15	is	be	AUX
ajis02-1923	301	16	limited	limit	VERB
ajis02-1923	301	17	and	and	CCONJ
ajis02-1923	301	18	can	can	AUX
ajis02-1923	301	19	not	not	PART
ajis02-1923	301	20	be	be	AUX
ajis02-1923	301	21	used	use	VERB
ajis02-1923	301	22	to	to	PART
ajis02-1923	301	23	represent	represent	VERB
ajis02-1923	301	24	the	the	DET
ajis02-1923	301	25	entire	entire	ADJ
ajis02-1923	301	26	population	population	NOUN
ajis02-1923	301	27	of	of	ADP
ajis02-1923	301	28	a	a	DET
ajis02-1923	301	29	country	country	NOUN
ajis02-1923	301	30	as	as	ADV
ajis02-1923	301	31	diverse	diverse	ADJ
ajis02-1923	301	32	as	as	ADP
ajis02-1923	301	33	india	india	PROPN
ajis02-1923	301	34	.	.	PUNCT
ajis02-1923	302	1	a	a	DET
ajis02-1923	302	2	larger	large	ADJ
ajis02-1923	302	3	sample	sample	NOUN
ajis02-1923	302	4	may	may	AUX
ajis02-1923	302	5	strengthen	strengthen	VERB
ajis02-1923	302	6	the	the	DET
ajis02-1923	302	7	results	result	NOUN
ajis02-1923	302	8	obtained	obtain	VERB
ajis02-1923	302	9	.	.	PUNCT
ajis02-1923	303	1	another	another	DET
ajis02-1923	303	2	limitation	limitation	NOUN
ajis02-1923	303	3	is	be	AUX
ajis02-1923	303	4	that	that	SCONJ
ajis02-1923	303	5	this	this	DET
ajis02-1923	303	6	study	study	NOUN
ajis02-1923	303	7	considers	consider	VERB
ajis02-1923	303	8	perceived	perceive	VERB
ajis02-1923	303	9	value	value	NOUN
ajis02-1923	303	10	as	as	ADP
ajis02-1923	303	11	a	a	DET
ajis02-1923	303	12	one	one	NUM
ajis02-1923	303	13	-	-	PUNCT
ajis02-1923	303	14	dimensional	dimensional	ADJ
ajis02-1923	303	15	variable	variable	NOUN
ajis02-1923	303	16	.	.	PUNCT
ajis02-1923	304	1	however	however	ADV
ajis02-1923	304	2	,	,	PUNCT
ajis02-1923	304	3	literature	literature	NOUN
ajis02-1923	304	4	(	(	PUNCT
ajis02-1923	304	5	e.g.	e.g.	ADV
ajis02-1923	304	6	,	,	PUNCT
ajis02-1923	304	7	sheth	sheth	PROPN
ajis02-1923	304	8	,	,	PUNCT
ajis02-1923	304	9	newman	newman	PROPN
ajis02-1923	304	10	and	and	CCONJ
ajis02-1923	304	11	gross	gross	ADJ
ajis02-1923	304	12	,	,	PUNCT
ajis02-1923	304	13	1991	1991	NUM
ajis02-1923	304	14	;	;	PUNCT
ajis02-1923	304	15	sweeney	sweeney	NOUN
ajis02-1923	304	16	and	and	CCONJ
ajis02-1923	304	17	soutar	soutar	NOUN
ajis02-1923	304	18	,	,	PUNCT
ajis02-1923	304	19	2001	2001	NUM
ajis02-1923	304	20	)	)	PUNCT
ajis02-1923	304	21	shows	show	VERB
ajis02-1923	304	22	this	this	DET
ajis02-1923	304	23	value	value	NOUN
ajis02-1923	304	24	to	to	PART
ajis02-1923	304	25	be	be	AUX
ajis02-1923	304	26	a	a	DET
ajis02-1923	304	27	multidimensional	multidimensional	ADJ
ajis02-1923	304	28	element	element	NOUN
ajis02-1923	304	29	.	.	PUNCT
ajis02-1923	305	1	different	different	ADJ
ajis02-1923	305	2	dimensions	dimension	NOUN
ajis02-1923	305	3	of	of	ADP
ajis02-1923	305	4	perceived	perceive	VERB
ajis02-1923	305	5	value	value	NOUN
ajis02-1923	305	6	may	may	AUX
ajis02-1923	305	7	have	have	VERB
ajis02-1923	305	8	a	a	DET
ajis02-1923	305	9	different	different	ADJ
ajis02-1923	305	10	impact	impact	NOUN
ajis02-1923	305	11	on	on	ADP
ajis02-1923	305	12	the	the	DET
ajis02-1923	305	13	relationships	relationship	NOUN
ajis02-1923	305	14	.	.	PUNCT
ajis02-1923	306	1	hence	hence	ADV
ajis02-1923	306	2	,	,	PUNCT
ajis02-1923	306	3	a	a	DET
ajis02-1923	306	4	study	study	NOUN
ajis02-1923	306	5	considering	consider	VERB
ajis02-1923	306	6	different	different	ADJ
ajis02-1923	306	7	value	value	NOUN
ajis02-1923	306	8	dimensions	dimension	NOUN
ajis02-1923	306	9	may	may	AUX
ajis02-1923	306	10	give	give	VERB
ajis02-1923	306	11	more	more	ADJ
ajis02-1923	306	12	detailed	detailed	ADJ
ajis02-1923	306	13	insights	insight	NOUN
ajis02-1923	306	14	.	.	PUNCT
ajis02-1923	307	1	this	this	DET
ajis02-1923	307	2	work	work	NOUN
ajis02-1923	307	3	is	be	AUX
ajis02-1923	307	4	only	only	ADV
ajis02-1923	307	5	a	a	DET
ajis02-1923	307	6	first	first	ADJ
ajis02-1923	307	7	step	step	NOUN
ajis02-1923	307	8	in	in	ADP
ajis02-1923	307	9	trying	try	VERB
ajis02-1923	307	10	to	to	PART
ajis02-1923	307	11	understand	understand	VERB
ajis02-1923	307	12	the	the	DET
ajis02-1923	307	13	ibsds	ibsds	NOUN
ajis02-1923	307	14	process	process	NOUN
ajis02-1923	307	15	and	and	CCONJ
ajis02-1923	307	16	its	its	PRON
ajis02-1923	307	17	impact	impact	NOUN
ajis02-1923	307	18	on	on	ADP
ajis02-1923	307	19	customer	customer	NOUN
ajis02-1923	307	20	satisfaction	satisfaction	NOUN
ajis02-1923	307	21	and	and	CCONJ
ajis02-1923	307	22	behavioural	behavioural	ADJ
ajis02-1923	307	23	intention	intention	NOUN
ajis02-1923	307	24	.	.	PUNCT
ajis02-1923	308	1	we	we	PRON
ajis02-1923	308	2	believe	believe	VERB
ajis02-1923	308	3	that	that	SCONJ
ajis02-1923	308	4	this	this	PRON
ajis02-1923	308	5	is	be	AUX
ajis02-1923	308	6	a	a	DET
ajis02-1923	308	7	promising	promising	ADJ
ajis02-1923	308	8	research	research	NOUN
ajis02-1923	308	9	area	area	NOUN
ajis02-1923	308	10	for	for	ADP
ajis02-1923	308	11	researchers	researcher	NOUN
ajis02-1923	308	12	in	in	ADP
ajis02-1923	308	13	the	the	DET
ajis02-1923	308	14	management	management	NOUN
ajis02-1923	308	15	of	of	ADP
ajis02-1923	308	16	technology	technology	NOUN
ajis02-1923	308	17	domain	domain	NOUN
ajis02-1923	308	18	.	.	PUNCT
ajis02-1923	309	1	to	to	PART
ajis02-1923	309	2	generalize	generalize	VERB
ajis02-1923	309	3	the	the	DET
ajis02-1923	309	4	study	study	NOUN
ajis02-1923	309	5	to	to	ADP
ajis02-1923	309	6	the	the	DET
ajis02-1923	309	7	other	other	ADJ
ajis02-1923	309	8	countries	country	NOUN
ajis02-1923	309	9	,	,	PUNCT
ajis02-1923	309	10	research	research	NOUN
ajis02-1923	309	11	must	must	AUX
ajis02-1923	309	12	be	be	AUX
ajis02-1923	309	13	validated	validate	VERB
ajis02-1923	309	14	in	in	ADP
ajis02-1923	309	15	other	other	ADJ
ajis02-1923	309	16	countries	country	NOUN
ajis02-1923	309	17	.	.	PUNCT
ajis02-1923	310	1	australasian	australasian	ADJ
ajis02-1923	310	2	journal	journal	NOUN
ajis02-1923	310	3	of	of	ADP
ajis02-1923	310	4	information	information	NOUN
ajis02-1923	310	5	systems	system	NOUN
ajis02-1923	310	6	kumar	kumar	PROPN
ajis02-1923	310	7	,	,	PUNCT
ajis02-1923	310	8	sachan	sachan	PROPN
ajis02-1923	310	9	&	&	CCONJ
ajis02-1923	310	10	kumar	kumar	PROPN
ajis02-1923	310	11	2020	2020	PROPN
ajis02-1923	310	12	,	,	PUNCT
ajis02-1923	310	13	vol	vol	NOUN
ajis02-1923	310	14	24	24	NUM
ajis02-1923	310	15	,	,	PUNCT
ajis02-1923	310	16	research	research	NOUN
ajis02-1923	310	17	article	article	NOUN
ajis02-1923	310	18	service	service	NOUN
ajis02-1923	310	19	delivery	delivery	NOUN
ajis02-1923	310	20	and	and	CCONJ
ajis02-1923	310	21	perceived	perceive	VERB
ajis02-1923	310	22	value	value	NOUN
ajis02-1923	310	23	in	in	ADP
ajis02-1923	310	24	internet	internet	NOUN
ajis02-1923	310	25	banking	banking	NOUN
ajis02-1923	310	26	adoption	adoption	NOUN
ajis02-1923	310	27	17	17	NUM
ajis02-1923	310	28	references	reference	NOUN
ajis02-1923	310	29	al	al	PROPN
ajis02-1923	310	30	-	-	PUNCT
ajis02-1923	310	31	somali	somali	PROPN
ajis02-1923	310	32	,	,	PUNCT
ajis02-1923	310	33	s.	s.	PROPN
ajis02-1923	310	34	a.	a.	PROPN
ajis02-1923	310	35	,	,	PUNCT
ajis02-1923	310	36	gholami	gholami	PROPN
ajis02-1923	310	37	,	,	PUNCT
ajis02-1923	310	38	r.	r.	PROPN
ajis02-1923	310	39	,	,	PUNCT
ajis02-1923	310	40	&	&	CCONJ
ajis02-1923	310	41	clegg	clegg	PROPN
ajis02-1923	310	42	,	,	PUNCT
ajis02-1923	310	43	b.	b.	PROPN
ajis02-1923	310	44	(	(	PUNCT
ajis02-1923	310	45	2009	2009	NUM
ajis02-1923	310	46	)	)	PUNCT
ajis02-1923	310	47	.	.	PUNCT
ajis02-1923	311	1	an	an	DET
ajis02-1923	311	2	investigation	investigation	NOUN
ajis02-1923	311	3	into	into	ADP
ajis02-1923	311	4	the	the	DET
ajis02-1923	311	5	acceptance	acceptance	NOUN
ajis02-1923	311	6	of	of	ADP
ajis02-1923	311	7	online	online	ADJ
ajis02-1923	311	8	banking	banking	NOUN
ajis02-1923	311	9	in	in	ADP
ajis02-1923	311	10	saudi	saudi	PROPN
ajis02-1923	311	11	arabia	arabia	PROPN
ajis02-1923	311	12	.	.	PUNCT
ajis02-1923	312	1	technovation	technovation	NOUN
ajis02-1923	312	2	,	,	PUNCT
ajis02-1923	312	3	29(2	29(2	NUM
ajis02-1923	312	4	)	)	PUNCT
ajis02-1923	312	5	,	,	PUNCT
ajis02-1923	312	6	130–141	130–141	NUM
ajis02-1923	312	7	.	.	PUNCT
ajis02-1923	313	1	https://doi.org/10.1016/j.technovation.2008.07.004	https://doi.org/10.1016/j.technovation.2008.07.004	NUM
ajis02-1923	313	2	alawneh	alawneh	PROPN
ajis02-1923	313	3	,	,	PUNCT
ajis02-1923	313	4	a.	a.	PROPN
ajis02-1923	313	5	,	,	PUNCT
ajis02-1923	313	6	al	al	PROPN
ajis02-1923	313	7	-	-	PUNCT
ajis02-1923	313	8	refai	refai	PROPN
ajis02-1923	313	9	,	,	PUNCT
ajis02-1923	313	10	h.	h.	PROPN
ajis02-1923	313	11	,	,	PUNCT
ajis02-1923	313	12	&	&	CCONJ
ajis02-1923	313	13	batiha	batiha	PROPN
ajis02-1923	313	14	,	,	PUNCT
ajis02-1923	313	15	k.	k.	PROPN
ajis02-1923	313	16	(	(	PUNCT
ajis02-1923	313	17	2013	2013	NUM
ajis02-1923	313	18	)	)	PUNCT
ajis02-1923	313	19	.	.	PUNCT
ajis02-1923	314	1	measuring	measure	VERB
ajis02-1923	314	2	user	user	NOUN
ajis02-1923	314	3	satisfaction	satisfaction	NOUN
ajis02-1923	314	4	from	from	ADP
ajis02-1923	314	5	e	e	NOUN
ajis02-1923	314	6	-	-	NOUN
ajis02-1923	314	7	government	government	ADJ
ajis02-1923	314	8	services	service	NOUN
ajis02-1923	314	9	 	 	SPACE
ajis02-1923	314	10	:	:	PUNCT
ajis02-1923	314	11	lessons	lesson	NOUN
ajis02-1923	314	12	from	from	ADP
ajis02-1923	314	13	jordan	jordan	PROPN
ajis02-1923	314	14	.	.	PUNCT
ajis02-1923	315	1	government	government	NOUN
ajis02-1923	315	2	information	information	NOUN
ajis02-1923	315	3	quarterly	quarterly	ADV
ajis02-1923	315	4	,	,	PUNCT
ajis02-1923	315	5	30(3	30(3	NUM
ajis02-1923	315	6	)	)	PUNCT
ajis02-1923	315	7	,	,	PUNCT
ajis02-1923	315	8	277–288	277–288	NUM
ajis02-1923	315	9	.	.	PUNCT
ajis02-1923	316	1	https://doi.org/10.1016/j.giq.2013.03.001	https://doi.org/10.1016/j.giq.2013.03.001	PROPN
ajis02-1923	316	2	anderson	anderson	PROPN
ajis02-1923	316	3	,	,	PUNCT
ajis02-1923	316	4	r.	r.	PROPN
ajis02-1923	316	5	e.	e.	PROPN
ajis02-1923	316	6	,	,	PUNCT
ajis02-1923	316	7	&	&	CCONJ
ajis02-1923	316	8	srinivasan	srinivasan	PROPN
ajis02-1923	316	9	,	,	PUNCT
ajis02-1923	316	10	s.	s.	PROPN
ajis02-1923	316	11	s.	s.	PROPN
ajis02-1923	316	12	(	(	PUNCT
ajis02-1923	316	13	2003	2003	NUM
ajis02-1923	316	14	)	)	PUNCT
ajis02-1923	316	15	.	.	PUNCT
ajis02-1923	317	1	e	e	X
ajis02-1923	317	2	-	-	NOUN
ajis02-1923	317	3	satisfaction	satisfaction	NOUN
ajis02-1923	317	4	and	and	CCONJ
ajis02-1923	317	5	e	e	NOUN
ajis02-1923	317	6	-	-	NOUN
ajis02-1923	317	7	loyalty	loyalty	NOUN
ajis02-1923	317	8	 	 	SPACE
ajis02-1923	317	9	:	:	PUNCT
ajis02-1923	317	10	a	a	DET
ajis02-1923	317	11	contingency	contingency	NOUN
ajis02-1923	317	12	framework	framework	NOUN
ajis02-1923	317	13	.	.	PUNCT
ajis02-1923	318	1	psychology	psychology	NOUN
ajis02-1923	318	2	&	&	CCONJ
ajis02-1923	318	3	marketing	marketing	PROPN
ajis02-1923	318	4	,	,	PUNCT
ajis02-1923	318	5	20(2	20(2	NUM
ajis02-1923	318	6	)	)	PUNCT
ajis02-1923	318	7	,	,	PUNCT
ajis02-1923	318	8	123–138	123–138	NUM
ajis02-1923	318	9	.	.	PUNCT
ajis02-1923	319	1	https://doi.org/10.1002/mar.10063	https://doi.org/10.1002/mar.10063	PROPN
ajis02-1923	319	2	ba	ba	PROPN
ajis02-1923	319	3	,	,	PUNCT
ajis02-1923	319	4	s.	s.	PROPN
ajis02-1923	319	5	,	,	PUNCT
ajis02-1923	319	6	&	&	CCONJ
ajis02-1923	319	7	johansson	johansson	PROPN
ajis02-1923	319	8	,	,	PUNCT
ajis02-1923	319	9	w.	w.	PROPN
ajis02-1923	319	10	c.	c.	PROPN
ajis02-1923	319	11	(	(	PUNCT
ajis02-1923	319	12	2008	2008	NUM
ajis02-1923	319	13	)	)	PUNCT
ajis02-1923	319	14	.	.	PUNCT
ajis02-1923	320	1	an	an	DET
ajis02-1923	320	2	exploratory	exploratory	ADJ
ajis02-1923	320	3	study	study	NOUN
ajis02-1923	320	4	of	of	ADP
ajis02-1923	320	5	the	the	DET
ajis02-1923	320	6	impact	impact	NOUN
ajis02-1923	320	7	of	of	ADP
ajis02-1923	320	8	e	e	NOUN
ajis02-1923	320	9	-	-	NOUN
ajis02-1923	320	10	service	service	ADJ
ajis02-1923	320	11	process	process	NOUN
ajis02-1923	320	12	on	on	ADP
ajis02-1923	320	13	online	online	ADJ
ajis02-1923	320	14	customer	customer	NOUN
ajis02-1923	320	15	satisfaction	satisfaction	NOUN
ajis02-1923	320	16	.	.	PUNCT
ajis02-1923	321	1	production	production	NOUN
ajis02-1923	321	2	and	and	CCONJ
ajis02-1923	321	3	operations	operation	NOUN
ajis02-1923	321	4	management	management	NOUN
ajis02-1923	321	5	,	,	PUNCT
ajis02-1923	321	6	17(1	17(1	NUM
ajis02-1923	321	7	)	)	PUNCT
ajis02-1923	321	8	,	,	PUNCT
ajis02-1923	321	9	107–119	107–119	NUM
ajis02-1923	321	10	.	.	PUNCT
ajis02-1923	322	1	https://doi.org/10.3401/poms.1070.0006	https://doi.org/10.3401/poms.1070.0006	NOUN
ajis02-1923	322	2	bagozzi	bagozzi	NOUN
ajis02-1923	322	3	,	,	PUNCT
ajis02-1923	322	4	r.	r.	PROPN
ajis02-1923	322	5	p.	p.	PROPN
ajis02-1923	322	6	.	.	PUNCT
ajis02-1923	323	1	(	(	PUNCT
ajis02-1923	323	2	1992	1992	NUM
ajis02-1923	323	3	)	)	PUNCT
ajis02-1923	323	4	.	.	PUNCT
ajis02-1923	324	1	the	the	DET
ajis02-1923	324	2	self	self	NOUN
ajis02-1923	324	3	-	-	PUNCT
ajis02-1923	324	4	regulation	regulation	NOUN
ajis02-1923	324	5	of	of	ADP
ajis02-1923	324	6	attitudes	attitude	NOUN
ajis02-1923	324	7	,	,	PUNCT
ajis02-1923	324	8	intentions	intention	NOUN
ajis02-1923	324	9	,	,	PUNCT
ajis02-1923	324	10	and	and	CCONJ
ajis02-1923	324	11	behavior	behavior	NOUN
ajis02-1923	324	12	.	.	PUNCT
ajis02-1923	325	1	ocial	ocial	ADJ
ajis02-1923	325	2	psychology	psychology	NOUN
ajis02-1923	325	3	quarterly	quarterly	ADV
ajis02-1923	325	4	,	,	PUNCT
ajis02-1923	325	5	55(2	55(2	NUM
ajis02-1923	325	6	)	)	PUNCT
ajis02-1923	325	7	,	,	PUNCT
ajis02-1923	325	8	178–204	178–204	NUM
ajis02-1923	325	9	.	.	PUNCT
ajis02-1923	326	1	baron	baron	NOUN
ajis02-1923	326	2	,	,	PUNCT
ajis02-1923	326	3	r.	r.	PROPN
ajis02-1923	326	4	m.	m.	PROPN
ajis02-1923	326	5	,	,	PUNCT
ajis02-1923	326	6	&	&	CCONJ
ajis02-1923	326	7	kenny	kenny	PROPN
ajis02-1923	326	8	,	,	PUNCT
ajis02-1923	326	9	d.	d.	PROPN
ajis02-1923	326	10	a.	a.	PROPN
ajis02-1923	326	11	(	(	PUNCT
ajis02-1923	326	12	1986	1986	NUM
ajis02-1923	326	13	)	)	PUNCT
ajis02-1923	326	14	.	.	PUNCT
ajis02-1923	327	1	the	the	DET
ajis02-1923	327	2	moderator	moderator	NOUN
ajis02-1923	327	3	-	-	PUNCT
ajis02-1923	327	4	mediator	mediator	NOUN
ajis02-1923	327	5	variable	variable	ADJ
ajis02-1923	327	6	distinction	distinction	NOUN
ajis02-1923	327	7	in	in	ADP
ajis02-1923	327	8	social	social	ADJ
ajis02-1923	327	9	psychological	psychological	ADJ
ajis02-1923	327	10	research	research	NOUN
ajis02-1923	327	11	:	:	PUNCT
ajis02-1923	327	12	conceptual	conceptual	ADJ
ajis02-1923	327	13	,	,	PUNCT
ajis02-1923	327	14	strategic	strategic	ADJ
ajis02-1923	327	15	,	,	PUNCT
ajis02-1923	327	16	and	and	CCONJ
ajis02-1923	327	17	statistical	statistical	ADJ
ajis02-1923	327	18	considerations	consideration	NOUN
ajis02-1923	327	19	.	.	PUNCT
ajis02-1923	328	1	journal	journal	NOUN
ajis02-1923	328	2	of	of	ADP
ajis02-1923	328	3	personality	personality	NOUN
ajis02-1923	328	4	and	and	CCONJ
ajis02-1923	328	5	social	social	ADJ
ajis02-1923	328	6	psychology	psychology	NOUN
ajis02-1923	328	7	,	,	PUNCT
ajis02-1923	328	8	51(6	51(6	NOUN
ajis02-1923	328	9	)	)	PUNCT
ajis02-1923	328	10	,	,	PUNCT
ajis02-1923	328	11	1173–1182	1173–1182	NUM
ajis02-1923	328	12	.	.	PUNCT
ajis02-1923	329	1	https://doi.org/10.1037/00223514.51.6.1173	https://doi.org/10.1037/00223514.51.6.1173	PROPN
ajis02-1923	329	2	bashir	bashir	PROPN
ajis02-1923	329	3	,	,	PUNCT
ajis02-1923	329	4	i.	i.	PROPN
ajis02-1923	329	5	,	,	PUNCT
ajis02-1923	329	6	&	&	CCONJ
ajis02-1923	329	7	madhavaiah	madhavaiah	PROPN
ajis02-1923	329	8	,	,	PUNCT
ajis02-1923	329	9	c.	c.	PROPN
ajis02-1923	329	10	(	(	PUNCT
ajis02-1923	329	11	2015	2015	NUM
ajis02-1923	329	12	)	)	PUNCT
ajis02-1923	329	13	.	.	PUNCT
ajis02-1923	330	1	consumer	consumer	NOUN
ajis02-1923	330	2	attitude	attitude	NOUN
ajis02-1923	330	3	and	and	CCONJ
ajis02-1923	330	4	behavioural	behavioural	ADJ
ajis02-1923	330	5	intention	intention	NOUN
ajis02-1923	330	6	towards	towards	ADP
ajis02-1923	330	7	internet	internet	NOUN
ajis02-1923	330	8	banking	banking	NOUN
ajis02-1923	330	9	adoption	adoption	NOUN
ajis02-1923	330	10	in	in	ADP
ajis02-1923	330	11	india	india	PROPN
ajis02-1923	330	12	.	.	PUNCT
ajis02-1923	331	1	journal	journal	PROPN
ajis02-1923	331	2	of	of	ADP
ajis02-1923	331	3	indian	indian	PROPN
ajis02-1923	331	4	business	business	PROPN
ajis02-1923	331	5	research	research	NOUN
ajis02-1923	331	6	,	,	PUNCT
ajis02-1923	331	7	7(1	7(1	NUM
ajis02-1923	331	8	)	)	PUNCT
ajis02-1923	331	9	,	,	PUNCT
ajis02-1923	332	1	67–102	67–102	NUM
ajis02-1923	332	2	.	.	PUNCT
ajis02-1923	332	3	https://doi.org/10.1108/el-01-2017-0019	https://doi.org/10.1108/el-01-2017-0019	X
ajis02-1923	332	4	bauer	bauer	PROPN
ajis02-1923	332	5	,	,	PUNCT
ajis02-1923	332	6	h.	h.	PROPN
ajis02-1923	332	7	h.	h.	PROPN
ajis02-1923	332	8	,	,	PUNCT
ajis02-1923	332	9	hammerschmidt	hammerschmidt	ADJ
ajis02-1923	332	10	,	,	PUNCT
ajis02-1923	332	11	m.	m.	NOUN
ajis02-1923	332	12	,	,	PUNCT
ajis02-1923	332	13	&	&	CCONJ
ajis02-1923	332	14	falk	falk	PROPN
ajis02-1923	332	15	,	,	PUNCT
ajis02-1923	332	16	t.	t.	PROPN
ajis02-1923	332	17	(	(	PUNCT
ajis02-1923	332	18	2005	2005	NUM
ajis02-1923	332	19	)	)	PUNCT
ajis02-1923	332	20	.	.	PUNCT
ajis02-1923	333	1	measuring	measure	VERB
ajis02-1923	333	2	the	the	DET
ajis02-1923	333	3	quality	quality	NOUN
ajis02-1923	333	4	of	of	ADP
ajis02-1923	333	5	e	e	NOUN
ajis02-1923	333	6	-	-	ADJ
ajis02-1923	333	7	banking	banking	ADJ
ajis02-1923	333	8	portals	portal	NOUN
ajis02-1923	333	9	.	.	PUNCT
ajis02-1923	334	1	international	international	ADJ
ajis02-1923	334	2	journal	journal	PROPN
ajis02-1923	334	3	of	of	ADP
ajis02-1923	334	4	bank	bank	PROPN
ajis02-1923	334	5	marketing	marketing	NOUN
ajis02-1923	334	6	,	,	PUNCT
ajis02-1923	334	7	23(2	23(2	NOUN
ajis02-1923	334	8	)	)	PUNCT
ajis02-1923	334	9	,	,	PUNCT
ajis02-1923	334	10	153–175	153–175	NUM
ajis02-1923	334	11	.	.	PUNCT
ajis02-1923	335	1	https://doi.org/10.1108/02652320510584395	https://doi.org/10.1108/02652320510584395	NOUN
ajis02-1923	335	2	bloemer	bloemer	NOUN
ajis02-1923	335	3	,	,	PUNCT
ajis02-1923	335	4	j.	j.	PROPN
ajis02-1923	335	5	,	,	PUNCT
ajis02-1923	335	6	de	de	ADP
ajis02-1923	335	7	ruyter	ruyter	PROPN
ajis02-1923	335	8	,	,	PUNCT
ajis02-1923	335	9	k.	k.	PROPN
ajis02-1923	335	10	,	,	PUNCT
ajis02-1923	335	11	&	&	CCONJ
ajis02-1923	335	12	peeters	peeter	NOUN
ajis02-1923	335	13	,	,	PUNCT
ajis02-1923	335	14	p.	p.	NOUN
ajis02-1923	335	15	(	(	PUNCT
ajis02-1923	335	16	1998	1998	NUM
ajis02-1923	335	17	)	)	PUNCT
ajis02-1923	335	18	.	.	PUNCT
ajis02-1923	336	1	investigating	investigate	VERB
ajis02-1923	336	2	drivers	driver	NOUN
ajis02-1923	336	3	of	of	ADP
ajis02-1923	336	4	bank	bank	NOUN
ajis02-1923	336	5	loyalty	loyalty	NOUN
ajis02-1923	336	6	:	:	PUNCT
ajis02-1923	336	7	the	the	DET
ajis02-1923	336	8	complex	complex	ADJ
ajis02-1923	336	9	relationship	relationship	NOUN
ajis02-1923	336	10	between	between	ADP
ajis02-1923	336	11	image	image	NOUN
ajis02-1923	336	12	,	,	PUNCT
ajis02-1923	336	13	service	service	NOUN
ajis02-1923	336	14	quality	quality	NOUN
ajis02-1923	336	15	and	and	CCONJ
ajis02-1923	336	16	satisfaction	satisfaction	NOUN
ajis02-1923	336	17	.	.	PUNCT
ajis02-1923	337	1	international	international	ADJ
ajis02-1923	337	2	journal	journal	PROPN
ajis02-1923	337	3	of	of	ADP
ajis02-1923	337	4	bank	bank	PROPN
ajis02-1923	337	5	marketing	marketing	NOUN
ajis02-1923	337	6	,	,	PUNCT
ajis02-1923	337	7	16(7	16(7	NUM
ajis02-1923	337	8	)	)	PUNCT
ajis02-1923	337	9	,	,	PUNCT
ajis02-1923	337	10	276–286	276–286	NUM
ajis02-1923	337	11	.	.	PUNCT
ajis02-1923	338	1	https://doi.org/10.1108/02652329810245984	https://doi.org/10.1108/02652329810245984	PROPN
ajis02-1923	338	2	bolton	bolton	PROPN
ajis02-1923	338	3	,	,	PUNCT
ajis02-1923	338	4	r.	r.	PROPN
ajis02-1923	338	5	n.	n.	PROPN
ajis02-1923	338	6	,	,	PUNCT
ajis02-1923	338	7	&	&	CCONJ
ajis02-1923	338	8	drew	draw	VERB
ajis02-1923	338	9	,	,	PUNCT
ajis02-1923	338	10	j.	j.	PROPN
ajis02-1923	338	11	h.	h.	PROPN
ajis02-1923	338	12	(	(	PUNCT
ajis02-1923	338	13	1991	1991	NUM
ajis02-1923	338	14	)	)	PUNCT
ajis02-1923	338	15	.	.	PUNCT
ajis02-1923	339	1	a	a	DET
ajis02-1923	339	2	multistage	multistage	NOUN
ajis02-1923	339	3	model	model	NOUN
ajis02-1923	339	4	of	of	ADP
ajis02-1923	339	5	customers	customer	NOUN
ajis02-1923	339	6	’	'	PUNCT
ajis02-1923	339	7	assessments	assessment	NOUN
ajis02-1923	339	8	of	of	ADP
ajis02-1923	339	9	service	service	NOUN
ajis02-1923	339	10	quality	quality	NOUN
ajis02-1923	339	11	and	and	CCONJ
ajis02-1923	339	12	value	value	NOUN
ajis02-1923	339	13	.	.	PUNCT
ajis02-1923	340	1	journal	journal	NOUN
ajis02-1923	340	2	of	of	ADP
ajis02-1923	340	3	consumer	consumer	NOUN
ajis02-1923	340	4	research	research	NOUN
ajis02-1923	340	5	,	,	PUNCT
ajis02-1923	340	6	17(4	17(4	NUM
ajis02-1923	340	7	)	)	PUNCT
ajis02-1923	340	8	,	,	PUNCT
ajis02-1923	340	9	375	375	NUM
ajis02-1923	340	10	.	.	PUNCT
ajis02-1923	341	1	https://doi.org/10.1086/208564	https://doi.org/10.1086/208564	NOUN
ajis02-1923	341	2	bressolles	bressolle	NOUN
ajis02-1923	341	3	,	,	PUNCT
ajis02-1923	341	4	g.	g.	PROPN
ajis02-1923	341	5	,	,	PUNCT
ajis02-1923	341	6	durrieu	durrieu	PROPN
ajis02-1923	341	7	,	,	PUNCT
ajis02-1923	341	8	f.	f.	PROPN
ajis02-1923	341	9	,	,	PUNCT
ajis02-1923	341	10	&	&	CCONJ
ajis02-1923	341	11	deans	deans	PROPN
ajis02-1923	341	12	,	,	PUNCT
ajis02-1923	341	13	k.	k.	PROPN
ajis02-1923	341	14	r.	r.	PROPN
ajis02-1923	341	15	(	(	PUNCT
ajis02-1923	341	16	2015	2015	NUM
ajis02-1923	341	17	)	)	PUNCT
ajis02-1923	341	18	.	.	PUNCT
ajis02-1923	342	1	an	an	DET
ajis02-1923	342	2	examination	examination	NOUN
ajis02-1923	342	3	of	of	ADP
ajis02-1923	342	4	the	the	DET
ajis02-1923	342	5	online	online	ADJ
ajis02-1923	342	6	service	service	NOUN
ajis02-1923	342	7	-	-	PUNCT
ajis02-1923	342	8	profit	profit	NOUN
ajis02-1923	342	9	chain	chain	NOUN
ajis02-1923	342	10	.	.	PUNCT
ajis02-1923	343	1	international	international	ADJ
ajis02-1923	343	2	journal	journal	PROPN
ajis02-1923	343	3	of	of	ADP
ajis02-1923	343	4	retail	retail	PROPN
ajis02-1923	343	5	&	&	CCONJ
ajis02-1923	343	6	distribution	distribution	NOUN
ajis02-1923	343	7	management	management	NOUN
ajis02-1923	343	8	,	,	PUNCT
ajis02-1923	343	9	43(8	43(8	NOUN
ajis02-1923	343	10	)	)	PUNCT
ajis02-1923	343	11	,	,	PUNCT
ajis02-1923	343	12	727–751	727–751	NUM
ajis02-1923	343	13	.	.	PUNCT
ajis02-1923	344	1	butcher	butcher	NOUN
ajis02-1923	344	2	,	,	PUNCT
ajis02-1923	344	3	k.	k.	PROPN
ajis02-1923	344	4	,	,	PUNCT
ajis02-1923	344	5	sparks	spark	VERB
ajis02-1923	344	6	,	,	PUNCT
ajis02-1923	344	7	b.	b.	PROPN
ajis02-1923	344	8	,	,	PUNCT
ajis02-1923	344	9	&	&	CCONJ
ajis02-1923	344	10	o’callaghan	o’callaghan	PROPN
ajis02-1923	344	11	,	,	PUNCT
ajis02-1923	344	12	f.	f.	PROPN
ajis02-1923	344	13	(	(	PUNCT
ajis02-1923	344	14	2002	2002	NUM
ajis02-1923	344	15	)	)	PUNCT
ajis02-1923	344	16	.	.	PUNCT
ajis02-1923	345	1	effect	effect	NOUN
ajis02-1923	345	2	of	of	ADP
ajis02-1923	345	3	social	social	ADJ
ajis02-1923	345	4	influence	influence	NOUN
ajis02-1923	345	5	on	on	ADP
ajis02-1923	345	6	repurchase	repurchase	NOUN
ajis02-1923	345	7	intentions	intention	NOUN
ajis02-1923	345	8	.	.	PUNCT
ajis02-1923	346	1	journal	journal	PROPN
ajis02-1923	346	2	of	of	ADP
ajis02-1923	346	3	services	service	NOUN
ajis02-1923	346	4	marketing	marketing	NOUN
ajis02-1923	346	5	,	,	PUNCT
ajis02-1923	346	6	16(6	16(6	NUM
ajis02-1923	346	7	)	)	PUNCT
ajis02-1923	346	8	,	,	PUNCT
ajis02-1923	346	9	503–514	503–514	NUM
ajis02-1923	346	10	.	.	PUNCT
ajis02-1923	347	1	https://doi.org/10.1108/08876040210443382	https://doi.org/10.1108/08876040210443382	PROPN
ajis02-1923	347	2	caruana	caruana	PROPN
ajis02-1923	347	3	,	,	PUNCT
ajis02-1923	347	4	a.	a.	NOUN
ajis02-1923	347	5	,	,	PUNCT
ajis02-1923	347	6	money	money	NOUN
ajis02-1923	347	7	,	,	PUNCT
ajis02-1923	347	8	a.	a.	PROPN
ajis02-1923	347	9	h.	h.	PROPN
ajis02-1923	347	10	,	,	PUNCT
ajis02-1923	347	11	&	&	CCONJ
ajis02-1923	347	12	berthon	berthon	PROPN
ajis02-1923	347	13	,	,	PUNCT
ajis02-1923	347	14	p.	p.	PROPN
ajis02-1923	347	15	r.	r.	PROPN
ajis02-1923	347	16	(	(	PUNCT
ajis02-1923	347	17	1998	1998	NUM
ajis02-1923	347	18	)	)	PUNCT
ajis02-1923	347	19	.	.	PUNCT
ajis02-1923	348	1	service	service	NOUN
ajis02-1923	348	2	quality	quality	NOUN
ajis02-1923	348	3	and	and	CCONJ
ajis02-1923	348	4	satisfaction	satisfaction	NOUN
ajis02-1923	348	5	the	the	DET
ajis02-1923	348	6	moderating	moderate	VERB
ajis02-1923	348	7	role	role	NOUN
ajis02-1923	348	8	of	of	ADP
ajis02-1923	348	9	value	value	NOUN
ajis02-1923	348	10	.	.	PUNCT
ajis02-1923	349	1	european	european	ADJ
ajis02-1923	349	2	journal	journal	PROPN
ajis02-1923	349	3	of	of	ADP
ajis02-1923	349	4	marketing	marketing	NOUN
ajis02-1923	349	5	,	,	PUNCT
ajis02-1923	349	6	34(11/12	34(11/12	NUM
ajis02-1923	349	7	)	)	PUNCT
ajis02-1923	349	8	,	,	PUNCT
ajis02-1923	349	9	1338–1353	1338–1353	NUM
ajis02-1923	349	10	.	.	PUNCT
ajis02-1923	350	1	chang	chang	PROPN
ajis02-1923	350	2	,	,	PUNCT
ajis02-1923	350	3	h.	h.	PROPN
ajis02-1923	350	4	h.	h.	PROPN
ajis02-1923	350	5	,	,	PUNCT
ajis02-1923	350	6	&	&	CCONJ
ajis02-1923	350	7	wang	wang	PROPN
ajis02-1923	350	8	,	,	PUNCT
ajis02-1923	350	9	h.-w	h.-w	PROPN
ajis02-1923	350	10	.	.	PUNCT
ajis02-1923	350	11	(	(	PUNCT
ajis02-1923	350	12	2011	2011	NUM
ajis02-1923	350	13	)	)	PUNCT
ajis02-1923	350	14	.	.	PUNCT
ajis02-1923	351	1	the	the	DET
ajis02-1923	351	2	moderating	moderate	VERB
ajis02-1923	351	3	effect	effect	NOUN
ajis02-1923	351	4	of	of	ADP
ajis02-1923	351	5	customer	customer	NOUN
ajis02-1923	351	6	perceived	perceive	VERB
ajis02-1923	351	7	value	value	NOUN
ajis02-1923	351	8	on	on	ADP
ajis02-1923	351	9	online	online	ADJ
ajis02-1923	351	10	shopping	shopping	NOUN
ajis02-1923	351	11	behaviour	behaviour	NOUN
ajis02-1923	351	12	.	.	PUNCT
ajis02-1923	352	1	online	online	PROPN
ajis02-1923	352	2	information	information	PROPN
ajis02-1923	352	3	review	review	PROPN
ajis02-1923	352	4	,	,	PUNCT
ajis02-1923	352	5	35(3	35(3	NUM
ajis02-1923	352	6	)	)	PUNCT
ajis02-1923	352	7	,	,	PUNCT
ajis02-1923	352	8	333–359	333–359	NUM
ajis02-1923	352	9	.	.	PUNCT
ajis02-1923	353	1	chang	chang	PROPN
ajis02-1923	353	2	,	,	PUNCT
ajis02-1923	353	3	h.	h.	PROPN
ajis02-1923	353	4	h.	h.	PROPN
ajis02-1923	353	5	,	,	PUNCT
ajis02-1923	353	6	wang	wang	PROPN
ajis02-1923	353	7	,	,	PUNCT
ajis02-1923	353	8	y.	y.	PROPN
ajis02-1923	353	9	,	,	PUNCT
ajis02-1923	353	10	&	&	CCONJ
ajis02-1923	353	11	yang	yang	PROPN
ajis02-1923	353	12	,	,	PUNCT
ajis02-1923	353	13	w.	w.	PROPN
ajis02-1923	353	14	(	(	PUNCT
ajis02-1923	353	15	2009	2009	NUM
ajis02-1923	353	16	)	)	PUNCT
ajis02-1923	353	17	.	.	PUNCT
ajis02-1923	354	1	the	the	DET
ajis02-1923	354	2	impact	impact	NOUN
ajis02-1923	354	3	of	of	ADP
ajis02-1923	354	4	e	e	NOUN
ajis02-1923	354	5	-	-	NOUN
ajis02-1923	354	6	service	service	ADJ
ajis02-1923	354	7	quality	quality	NOUN
ajis02-1923	354	8	,	,	PUNCT
ajis02-1923	354	9	customer	customer	NOUN
ajis02-1923	354	10	satisfaction	satisfaction	NOUN
ajis02-1923	354	11	and	and	CCONJ
ajis02-1923	354	12	loyalty	loyalty	NOUN
ajis02-1923	354	13	on	on	ADP
ajis02-1923	354	14	e	e	NOUN
ajis02-1923	354	15	-	-	NOUN
ajis02-1923	354	16	marketing	marketing	NOUN
ajis02-1923	354	17	 	 	SPACE
ajis02-1923	354	18	:	:	PUNCT
ajis02-1923	354	19	moderating	moderate	VERB
ajis02-1923	354	20	effect	effect	NOUN
ajis02-1923	354	21	of	of	ADP
ajis02-1923	354	22	perceived	perceive	VERB
ajis02-1923	354	23	value	value	NOUN
ajis02-1923	354	24	.	.	PUNCT
ajis02-1923	355	1	total	total	ADJ
ajis02-1923	355	2	australasian	australasian	ADJ
ajis02-1923	355	3	journal	journal	NOUN
ajis02-1923	355	4	of	of	ADP
ajis02-1923	355	5	information	information	NOUN
ajis02-1923	355	6	systems	system	NOUN
ajis02-1923	355	7	kumar	kumar	PROPN
ajis02-1923	355	8	,	,	PUNCT
ajis02-1923	355	9	sachan	sachan	PROPN
ajis02-1923	355	10	&	&	CCONJ
ajis02-1923	355	11	kumar	kumar	PROPN
ajis02-1923	355	12	2020	2020	PROPN
ajis02-1923	355	13	,	,	PUNCT
ajis02-1923	355	14	vol	vol	NOUN
ajis02-1923	355	15	24	24	NUM
ajis02-1923	355	16	,	,	PUNCT
ajis02-1923	355	17	research	research	NOUN
ajis02-1923	355	18	article	article	NOUN
ajis02-1923	355	19	service	service	NOUN
ajis02-1923	355	20	delivery	delivery	NOUN
ajis02-1923	355	21	and	and	CCONJ
ajis02-1923	355	22	perceived	perceive	VERB
ajis02-1923	355	23	value	value	NOUN
ajis02-1923	355	24	in	in	ADP
ajis02-1923	355	25	internet	internet	NOUN
ajis02-1923	355	26	banking	banking	NOUN
ajis02-1923	355	27	adoption	adoption	NOUN
ajis02-1923	355	28	18	18	NUM
ajis02-1923	355	29	quality	quality	NOUN
ajis02-1923	355	30	management	management	NOUN
ajis02-1923	355	31	&	&	CCONJ
ajis02-1923	355	32	business	business	PROPN
ajis02-1923	355	33	excellence	excellence	PROPN
ajis02-1923	355	34	,	,	PUNCT
ajis02-1923	355	35	20(4	20(4	NOUN
ajis02-1923	355	36	)	)	PUNCT
ajis02-1923	355	37	,	,	PUNCT
ajis02-1923	355	38	423–443	423–443	NUM
ajis02-1923	355	39	.	.	PUNCT
ajis02-1923	356	1	https://doi.org/10.1080/14783360902781923	https://doi.org/10.1080/14783360902781923	PROPN
ajis02-1923	356	2	chang	chang	PROPN
ajis02-1923	356	3	,	,	PUNCT
ajis02-1923	356	4	y.	y.	PROPN
ajis02-1923	356	5	,	,	PUNCT
ajis02-1923	356	6	&	&	CCONJ
ajis02-1923	356	7	polonsky	polonsky	PROPN
ajis02-1923	356	8	,	,	PUNCT
ajis02-1923	356	9	j.	j.	PROPN
ajis02-1923	356	10	m.	m.	PROPN
ajis02-1923	356	11	(	(	PUNCT
ajis02-1923	356	12	2012	2012	NUM
ajis02-1923	356	13	)	)	PUNCT
ajis02-1923	356	14	.	.	PUNCT
ajis02-1923	357	1	the	the	DET
ajis02-1923	357	2	influence	influence	NOUN
ajis02-1923	357	3	of	of	ADP
ajis02-1923	357	4	multiple	multiple	ADJ
ajis02-1923	357	5	types	type	NOUN
ajis02-1923	357	6	of	of	ADP
ajis02-1923	357	7	service	service	NOUN
ajis02-1923	357	8	convenience	convenience	NOUN
ajis02-1923	357	9	on	on	ADP
ajis02-1923	357	10	behavioral	behavioral	ADJ
ajis02-1923	357	11	intentions	intention	NOUN
ajis02-1923	357	12	 	 	SPACE
ajis02-1923	357	13	:	:	PUNCT
ajis02-1923	357	14	the	the	DET
ajis02-1923	357	15	mediating	mediate	VERB
ajis02-1923	357	16	role	role	NOUN
ajis02-1923	357	17	of	of	ADP
ajis02-1923	357	18	consumer	consumer	NOUN
ajis02-1923	357	19	satisfaction	satisfaction	NOUN
ajis02-1923	357	20	in	in	ADP
ajis02-1923	357	21	a	a	DET
ajis02-1923	357	22	taiwanese	taiwanese	ADJ
ajis02-1923	357	23	leisure	leisure	NOUN
ajis02-1923	357	24	setting	setting	NOUN
ajis02-1923	357	25	.	.	PUNCT
ajis02-1923	358	1	international	international	ADJ
ajis02-1923	358	2	journal	journal	PROPN
ajis02-1923	358	3	of	of	ADP
ajis02-1923	358	4	hospitality	hospitality	PROPN
ajis02-1923	358	5	management	management	NOUN
ajis02-1923	358	6	,	,	PUNCT
ajis02-1923	358	7	31(1	31(1	NUM
ajis02-1923	358	8	)	)	PUNCT
ajis02-1923	358	9	,	,	PUNCT
ajis02-1923	358	10	107–118	107–118	NUM
ajis02-1923	358	11	.	.	PUNCT
ajis02-1923	359	1	https://doi.org/10.1016/j.ijhm.2011.05.003	https://doi.org/10.1016/j.ijhm.2011.05.003	PROPN
ajis02-1923	359	2	chen	chen	PROPN
ajis02-1923	359	3	,	,	PUNCT
ajis02-1923	359	4	z.	z.	PROPN
ajis02-1923	359	5	,	,	PUNCT
ajis02-1923	359	6	ling	ling	PROPN
ajis02-1923	359	7	,	,	PUNCT
ajis02-1923	359	8	k.	k.	PROPN
ajis02-1923	359	9	c.	c.	PROPN
ajis02-1923	359	10	,	,	PUNCT
ajis02-1923	359	11	ying	ying	PROPN
ajis02-1923	359	12	,	,	PUNCT
ajis02-1923	359	13	g.	g.	PROPN
ajis02-1923	359	14	x.	x.	PROPN
ajis02-1923	359	15	,	,	PUNCT
ajis02-1923	359	16	&	&	CCONJ
ajis02-1923	359	17	meng	meng	PROPN
ajis02-1923	359	18	,	,	PUNCT
ajis02-1923	359	19	t.	t.	PROPN
ajis02-1923	359	20	c.	c.	PROPN
ajis02-1923	359	21	(	(	PUNCT
ajis02-1923	359	22	2012	2012	NUM
ajis02-1923	359	23	)	)	PUNCT
ajis02-1923	359	24	.	.	PUNCT
ajis02-1923	360	1	antecedents	antecedent	NOUN
ajis02-1923	360	2	of	of	ADP
ajis02-1923	360	3	online	online	ADJ
ajis02-1923	360	4	customer	customer	NOUN
ajis02-1923	360	5	satisfaction	satisfaction	NOUN
ajis02-1923	360	6	in	in	ADP
ajis02-1923	360	7	china	china	PROPN
ajis02-1923	360	8	.	.	PUNCT
ajis02-1923	361	1	international	international	ADJ
ajis02-1923	361	2	business	business	NOUN
ajis02-1923	361	3	management	management	NOUN
ajis02-1923	361	4	.	.	PUNCT
ajis02-1923	362	1	https://doi.org/10.3923/ibm.2012.168.175	https://doi.org/10.3923/ibm.2012.168.175	PROPN
ajis02-1923	362	2	cronin	cronin	PROPN
ajis02-1923	362	3	,	,	PUNCT
ajis02-1923	362	4	j.	j.	PROPN
ajis02-1923	362	5	j.	j.	PROPN
ajis02-1923	362	6	,	,	PUNCT
ajis02-1923	362	7	brady	brady	PROPN
ajis02-1923	362	8	,	,	PUNCT
ajis02-1923	362	9	m.	m.	PROPN
ajis02-1923	362	10	k.	k.	PROPN
ajis02-1923	362	11	,	,	PUNCT
ajis02-1923	362	12	&	&	CCONJ
ajis02-1923	362	13	hult	hult	PROPN
ajis02-1923	362	14	,	,	PUNCT
ajis02-1923	362	15	g.	g.	PROPN
ajis02-1923	362	16	t.	t.	PROPN
ajis02-1923	362	17	m.	m.	NOUN
ajis02-1923	362	18	(	(	PUNCT
ajis02-1923	362	19	2000	2000	NUM
ajis02-1923	362	20	)	)	PUNCT
ajis02-1923	362	21	.	.	PUNCT
ajis02-1923	363	1	assessing	assess	VERB
ajis02-1923	363	2	the	the	DET
ajis02-1923	363	3	effects	effect	NOUN
ajis02-1923	363	4	of	of	ADP
ajis02-1923	363	5	quality	quality	NOUN
ajis02-1923	363	6	,	,	PUNCT
ajis02-1923	363	7	value	value	NOUN
ajis02-1923	363	8	,	,	PUNCT
ajis02-1923	363	9	and	and	CCONJ
ajis02-1923	363	10	customer	customer	NOUN
ajis02-1923	363	11	satisfaction	satisfaction	NOUN
ajis02-1923	363	12	on	on	ADP
ajis02-1923	363	13	consumer	consumer	NOUN
ajis02-1923	363	14	behavioral	behavioral	ADJ
ajis02-1923	363	15	intentions	intention	NOUN
ajis02-1923	363	16	in	in	ADP
ajis02-1923	363	17	service	service	NOUN
ajis02-1923	363	18	environments	environment	NOUN
ajis02-1923	363	19	.	.	PUNCT
ajis02-1923	364	1	journal	journal	NOUN
ajis02-1923	364	2	of	of	ADP
ajis02-1923	364	3	retailing	retailing	NOUN
ajis02-1923	364	4	,	,	PUNCT
ajis02-1923	364	5	76(2	76(2	NUM
ajis02-1923	364	6	)	)	PUNCT
ajis02-1923	364	7	,	,	PUNCT
ajis02-1923	364	8	193–218	193–218	NUM
ajis02-1923	364	9	.	.	PUNCT
ajis02-1923	365	1	https://doi.org/10.1016/s0022-4359(00)00028-2	https://doi.org/10.1016/s0022-4359(00)00028-2	PROPN
ajis02-1923	365	2	dabholkar	dabholkar	NOUN
ajis02-1923	365	3	,	,	PUNCT
ajis02-1923	365	4	p.	p.	NOUN
ajis02-1923	365	5	a.	a.	NOUN
ajis02-1923	365	6	(	(	PUNCT
ajis02-1923	365	7	2000	2000	NUM
ajis02-1923	365	8	)	)	PUNCT
ajis02-1923	365	9	.	.	PUNCT
ajis02-1923	366	1	technology	technology	NOUN
ajis02-1923	366	2	in	in	ADP
ajis02-1923	366	3	service	service	NOUN
ajis02-1923	366	4	delivery	delivery	NOUN
ajis02-1923	366	5	:	:	PUNCT
ajis02-1923	366	6	implications	implication	NOUN
ajis02-1923	366	7	for	for	ADP
ajis02-1923	366	8	self	self	NOUN
ajis02-1923	366	9	-	-	PUNCT
ajis02-1923	366	10	service	service	NOUN
ajis02-1923	366	11	and	and	CCONJ
ajis02-1923	366	12	service	service	NOUN
ajis02-1923	366	13	e	e	NOUN
ajis02-1923	366	14	-	-	NOUN
ajis02-1923	366	15	support	support	NOUN
ajis02-1923	366	16	.	.	PUNCT
ajis02-1923	367	1	in	in	ADP
ajis02-1923	367	2	handbook	handbook	NOUN
ajis02-1923	367	3	of	of	ADP
ajis02-1923	367	4	service	service	NOUN
ajis02-1923	367	5	marketing	marketing	NOUN
ajis02-1923	367	6	and	and	CCONJ
ajis02-1923	367	7	management	management	NOUN
ajis02-1923	367	8	.	.	PUNCT
ajis02-1923	368	1	beverly	beverly	PROPN
ajis02-1923	368	2	hills	hills	PROPN
ajis02-1923	368	3	,	,	PUNCT
ajis02-1923	368	4	ca	ca	NOUN
ajis02-1923	368	5	.	.	PUNCT
ajis02-1923	368	6	:	:	PUNCT
ajis02-1923	369	1	sage	sage	NOUN
ajis02-1923	369	2	.	.	PUNCT
ajis02-1923	370	1	danaher	danaher	PROPN
ajis02-1923	370	2	,	,	PUNCT
ajis02-1923	370	3	p.	p.	PROPN
ajis02-1923	370	4	j.	j.	PROPN
ajis02-1923	370	5	,	,	PUNCT
ajis02-1923	370	6	&	&	CCONJ
ajis02-1923	370	7	mattsson	mattsson	PROPN
ajis02-1923	370	8	,	,	PUNCT
ajis02-1923	370	9	j.	j.	PROPN
ajis02-1923	370	10	(	(	PUNCT
ajis02-1923	370	11	1994	1994	NUM
ajis02-1923	370	12	)	)	PUNCT
ajis02-1923	370	13	.	.	PUNCT
ajis02-1923	371	1	customer	customer	NOUN
ajis02-1923	371	2	satisfaction	satisfaction	NOUN
ajis02-1923	371	3	during	during	ADP
ajis02-1923	371	4	the	the	DET
ajis02-1923	371	5	service	service	NOUN
ajis02-1923	371	6	delivery	delivery	NOUN
ajis02-1923	371	7	process	process	NOUN
ajis02-1923	371	8	.	.	PUNCT
ajis02-1923	372	1	european	european	ADJ
ajis02-1923	372	2	journal	journal	PROPN
ajis02-1923	372	3	of	of	ADP
ajis02-1923	372	4	marketing	marketing	NOUN
ajis02-1923	372	5	,	,	PUNCT
ajis02-1923	372	6	28(5	28(5	NUM
ajis02-1923	372	7	)	)	PUNCT
ajis02-1923	372	8	,	,	PUNCT
ajis02-1923	372	9	5–16	5–16	PROPN
ajis02-1923	372	10	.	.	PUNCT
ajis02-1923	373	1	davis	davis	PROPN
ajis02-1923	373	2	,	,	PUNCT
ajis02-1923	373	3	f.	f.	PROPN
ajis02-1923	373	4	d.	d.	PROPN
ajis02-1923	373	5	(	(	PUNCT
ajis02-1923	373	6	1989	1989	NUM
ajis02-1923	373	7	)	)	PUNCT
ajis02-1923	373	8	.	.	PUNCT
ajis02-1923	374	1	perceived	perceive	VERB
ajis02-1923	374	2	usefulness	usefulness	NOUN
ajis02-1923	374	3	,	,	PUNCT
ajis02-1923	374	4	perceived	perceive	VERB
ajis02-1923	374	5	ease	ease	NOUN
ajis02-1923	374	6	of	of	ADP
ajis02-1923	374	7	use	use	NOUN
ajis02-1923	374	8	and	and	CCONJ
ajis02-1923	374	9	user	user	NOUN
ajis02-1923	374	10	acceptance	acceptance	NOUN
ajis02-1923	374	11	of	of	ADP
ajis02-1923	374	12	information	information	NOUN
ajis02-1923	374	13	technology	technology	NOUN
ajis02-1923	374	14	.	.	PUNCT
ajis02-1923	375	1	mis	mis	PROPN
ajis02-1923	375	2	quarterly	quarterly	PROPN
ajis02-1923	375	3	,	,	PUNCT
ajis02-1923	375	4	13(3	13(3	NUM
ajis02-1923	375	5	)	)	PUNCT
ajis02-1923	375	6	,	,	PUNCT
ajis02-1923	375	7	319–340	319–340	NUM
ajis02-1923	375	8	.	.	PUNCT
ajis02-1923	376	1	dhananjay	dhananjay	PROPN
ajis02-1923	376	2	,	,	PUNCT
ajis02-1923	376	3	b.	b.	PROPN
ajis02-1923	376	4	,	,	PUNCT
ajis02-1923	376	5	&	&	CCONJ
ajis02-1923	376	6	chandra	chandra	PROPN
ajis02-1923	376	7	,	,	PUNCT
ajis02-1923	376	8	s.	s.	PROPN
ajis02-1923	376	9	b.	b.	PROPN
ajis02-1923	376	10	(	(	PUNCT
ajis02-1923	376	11	2015	2015	NUM
ajis02-1923	376	12	)	)	PUNCT
ajis02-1923	376	13	.	.	PUNCT
ajis02-1923	377	1	the	the	DET
ajis02-1923	377	2	electronic	electronic	ADJ
ajis02-1923	377	3	banking	banking	NOUN
ajis02-1923	377	4	revolution	revolution	NOUN
ajis02-1923	377	5	in	in	ADP
ajis02-1923	377	6	india	india	PROPN
ajis02-1923	377	7	.	.	PUNCT
ajis02-1923	377	8	journal	journal	PROPN
ajis02-1923	377	9	of	of	ADP
ajis02-1923	377	10	internet	internet	NOUN
ajis02-1923	377	11	banking	banking	NOUN
ajis02-1923	377	12	and	and	CCONJ
ajis02-1923	377	13	commerce	commerce	NOUN
ajis02-1923	377	14	,	,	PUNCT
ajis02-1923	377	15	20(2	20(2	NUM
ajis02-1923	377	16	)	)	PUNCT
ajis02-1923	377	17	,	,	PUNCT
ajis02-1923	377	18	1	1	X
ajis02-1923	377	19	.	.	X
ajis02-1923	377	20	https://doi.org/10.1525/sp.2007.54.1.23	https://doi.org/10.1525/sp.2007.54.1.23	PROPN
ajis02-1923	377	21	.	.	PUNCT
ajis02-1923	377	22	encashing	encashe	VERB
ajis02-1923	377	23	on	on	ADP
ajis02-1923	377	24	digital	digital	ADJ
ajis02-1923	377	25	:	:	PUNCT
ajis02-1923	377	26	financial	financial	ADJ
ajis02-1923	377	27	service	service	NOUN
ajis02-1923	377	28	in	in	ADP
ajis02-1923	377	29	2020	2020	NUM
ajis02-1923	377	30	.	.	PUNCT
ajis02-1923	378	1	(	(	PUNCT
ajis02-1923	378	2	2017	2017	NUM
ajis02-1923	378	3	)	)	PUNCT
ajis02-1923	378	4	.	.	PUNCT
ajis02-1923	379	1	retrieved	retrieve	VERB
ajis02-1923	379	2	from	from	ADP
ajis02-1923	379	3	http://imagesrc.bcg.com/images/bcg-facebook-encashing-on-digital-jun-2017_tcm21-163357.pdf	http://imagesrc.bcg.com/images/bcg-facebook-encashing-on-digital-jun-2017_tcm21-163357.pdf	ADJ
ajis02-1923	379	4	fornell	fornell	PROPN
ajis02-1923	379	5	,	,	PUNCT
ajis02-1923	379	6	c.	c.	PROPN
ajis02-1923	379	7	,	,	PUNCT
ajis02-1923	379	8	&	&	CCONJ
ajis02-1923	379	9	larcker	larcker	PROPN
ajis02-1923	379	10	,	,	PUNCT
ajis02-1923	379	11	d.	d.	PROPN
ajis02-1923	379	12	f.	f.	PROPN
ajis02-1923	379	13	(	(	PUNCT
ajis02-1923	379	14	1981	1981	NUM
ajis02-1923	379	15	)	)	PUNCT
ajis02-1923	379	16	.	.	PUNCT
ajis02-1923	380	1	structural	structural	ADJ
ajis02-1923	380	2	equation	equation	NOUN
ajis02-1923	380	3	models	model	NOUN
ajis02-1923	380	4	with	with	ADP
ajis02-1923	380	5	unobservable	unobservable	ADJ
ajis02-1923	380	6	variables	variable	NOUN
ajis02-1923	380	7	and	and	CCONJ
ajis02-1923	380	8	measurement	measurement	NOUN
ajis02-1923	380	9	error	error	NOUN
ajis02-1923	380	10	:	:	PUNCT
ajis02-1923	380	11	algebra	algebra	NOUN
ajis02-1923	380	12	and	and	CCONJ
ajis02-1923	380	13	statistics	statistic	NOUN
ajis02-1923	380	14	.	.	PUNCT
ajis02-1923	381	1	journal	journal	NOUN
ajis02-1923	381	2	of	of	ADP
ajis02-1923	381	3	marketing	marketing	NOUN
ajis02-1923	381	4	research	research	NOUN
ajis02-1923	381	5	,	,	PUNCT
ajis02-1923	381	6	382–388	382–388	NUM
ajis02-1923	381	7	.	.	PUNCT
ajis02-1923	382	1	grönroos	grönroos	PROPN
ajis02-1923	382	2	,	,	PUNCT
ajis02-1923	382	3	c.	c.	PROPN
ajis02-1923	382	4	(	(	PUNCT
ajis02-1923	382	5	1982	1982	NUM
ajis02-1923	382	6	)	)	PUNCT
ajis02-1923	382	7	.	.	PUNCT
ajis02-1923	383	1	an	an	DET
ajis02-1923	383	2	applied	apply	VERB
ajis02-1923	383	3	service	service	NOUN
ajis02-1923	383	4	marketing	marketing	NOUN
ajis02-1923	383	5	theory	theory	NOUN
ajis02-1923	383	6	.	.	PUNCT
ajis02-1923	384	1	european	european	PROPN
ajis02-1923	384	2	journal	journal	PROPN
ajis02-1923	384	3	of	of	ADP
ajis02-1923	384	4	marketing	marketing	NOUN
ajis02-1923	384	5	,	,	PUNCT
ajis02-1923	384	6	16(9	16(9	NUM
ajis02-1923	384	7	)	)	PUNCT
ajis02-1923	384	8	,	,	PUNCT
ajis02-1923	384	9	30–41	30–41	NUM
ajis02-1923	384	10	.	.	PUNCT
ajis02-1923	385	1	gupta	gupta	PROPN
ajis02-1923	385	2	,	,	PUNCT
ajis02-1923	385	3	p.	p.	PROPN
ajis02-1923	385	4	j.	j.	PROPN
ajis02-1923	385	5	,	,	PUNCT
ajis02-1923	385	6	&	&	CCONJ
ajis02-1923	385	7	suri	suri	PROPN
ajis02-1923	385	8	,	,	PUNCT
ajis02-1923	385	9	p.	p.	NOUN
ajis02-1923	385	10	(	(	PUNCT
ajis02-1923	385	11	2017	2017	NUM
ajis02-1923	385	12	)	)	PUNCT
ajis02-1923	385	13	.	.	PUNCT
ajis02-1923	386	1	measuring	measure	VERB
ajis02-1923	386	2	public	public	ADJ
ajis02-1923	386	3	value	value	NOUN
ajis02-1923	386	4	of	of	ADP
ajis02-1923	386	5	e	e	NOUN
ajis02-1923	386	6	-	-	NOUN
ajis02-1923	386	7	governance	governance	ADJ
ajis02-1923	386	8	projects	project	NOUN
ajis02-1923	386	9	in	in	ADP
ajis02-1923	386	10	india	india	PROPN
ajis02-1923	386	11	:	:	PUNCT
ajis02-1923	386	12	citizens	citizen	NOUN
ajis02-1923	386	13	’	’	PART
ajis02-1923	386	14	perspective	perspective	NOUN
ajis02-1923	386	15	.	.	PUNCT
ajis02-1923	387	1	transforming	transform	VERB
ajis02-1923	387	2	government	government	NOUN
ajis02-1923	387	3	 	 	SPACE
ajis02-1923	387	4	:	:	PUNCT
ajis02-1923	387	5	people	people	NOUN
ajis02-1923	387	6	,	,	PUNCT
ajis02-1923	387	7	process	process	NOUN
ajis02-1923	387	8	and	and	CCONJ
ajis02-1923	387	9	policy	policy	NOUN
ajis02-1923	387	10	,	,	PUNCT
ajis02-1923	387	11	11(2	11(2	NOUN
ajis02-1923	387	12	)	)	PUNCT
ajis02-1923	387	13	,	,	PUNCT
ajis02-1923	387	14	236–261	236–261	NUM
ajis02-1923	387	15	.	.	PUNCT
ajis02-1923	388	1	hair	hair	NOUN
ajis02-1923	388	2	,	,	PUNCT
ajis02-1923	388	3	j.	j.	PROPN
ajis02-1923	388	4	e.	e.	PROPN
ajis02-1923	388	5	,	,	PUNCT
ajis02-1923	388	6	black	black	PROPN
ajis02-1923	388	7	,	,	PUNCT
ajis02-1923	388	8	w.	w.	PROPN
ajis02-1923	388	9	c.	c.	PROPN
ajis02-1923	388	10	,	,	PUNCT
ajis02-1923	388	11	babin	babin	PROPN
ajis02-1923	388	12	,	,	PUNCT
ajis02-1923	388	13	b.	b.	PROPN
ajis02-1923	388	14	j.	j.	PROPN
ajis02-1923	388	15	,	,	PUNCT
ajis02-1923	388	16	anderson	anderson	PROPN
ajis02-1923	388	17	,	,	PUNCT
ajis02-1923	388	18	r.	r.	PROPN
ajis02-1923	388	19	e.	e.	PROPN
ajis02-1923	388	20	,	,	PUNCT
ajis02-1923	388	21	&	&	CCONJ
ajis02-1923	388	22	tatham	tatham	PROPN
ajis02-1923	388	23	,	,	PUNCT
ajis02-1923	388	24	r.	r.	PROPN
ajis02-1923	388	25	l.	l.	PROPN
ajis02-1923	388	26	(	(	PUNCT
ajis02-1923	388	27	2006	2006	NUM
ajis02-1923	388	28	)	)	PUNCT
ajis02-1923	388	29	.	.	PUNCT
ajis02-1923	389	1	multivariate	multivariate	NOUN
ajis02-1923	389	2	data	datum	NOUN
ajis02-1923	389	3	analysis	analysis	NOUN
ajis02-1923	389	4	(	(	PUNCT
ajis02-1923	389	5	6th	6th	ADJ
ajis02-1923	389	6	ed	ed	NOUN
ajis02-1923	389	7	.	.	PUNCT
ajis02-1923	389	8	)	)	PUNCT
ajis02-1923	389	9	.	.	PUNCT
ajis02-1923	390	1	upper	upper	ADJ
ajis02-1923	390	2	saddle	saddle	PROPN
ajis02-1923	390	3	river	river	PROPN
ajis02-1923	390	4	,	,	PUNCT
ajis02-1923	390	5	nj	nj	PROPN
ajis02-1923	390	6	.	.	PUNCT
ajis02-1923	390	7	:	:	PUNCT
ajis02-1923	391	1	pearson	pearson	PROPN
ajis02-1923	391	2	prentice	prentice	PROPN
ajis02-1923	391	3	-	-	PUNCT
ajis02-1923	391	4	hall	hall	NOUN
ajis02-1923	391	5	.	.	PUNCT
ajis02-1923	392	1	hayes	hayes	PROPN
ajis02-1923	392	2	,	,	PUNCT
ajis02-1923	392	3	a.	a.	PROPN
ajis02-1923	392	4	f.	f.	PROPN
ajis02-1923	392	5	(	(	PUNCT
ajis02-1923	392	6	2012	2012	NUM
ajis02-1923	392	7	)	)	PUNCT
ajis02-1923	392	8	.	.	PUNCT
ajis02-1923	393	1	process	process	NOUN
ajis02-1923	393	2	:	:	PUNCT
ajis02-1923	393	3	a	a	DET
ajis02-1923	393	4	versatile	versatile	ADJ
ajis02-1923	393	5	computational	computational	ADJ
ajis02-1923	393	6	tool	tool	NOUN
ajis02-1923	393	7	for	for	ADP
ajis02-1923	393	8	observed	observed	ADJ
ajis02-1923	393	9	variable	variable	ADJ
ajis02-1923	393	10	mediation	mediation	NOUN
ajis02-1923	393	11	,	,	PUNCT
ajis02-1923	393	12	moderation	moderation	NOUN
ajis02-1923	393	13	,	,	PUNCT
ajis02-1923	393	14	and	and	CCONJ
ajis02-1923	393	15	conditional	conditional	ADJ
ajis02-1923	393	16	process	process	NOUN
ajis02-1923	393	17	modeling	modeling	NOUN
ajis02-1923	393	18	.	.	PUNCT
ajis02-1923	394	1	white	white	ADJ
ajis02-1923	394	2	paper	paper	PROPN
ajis02-1923	394	3	,	,	PUNCT
ajis02-1923	394	4	1–39	1–39	PROPN
ajis02-1923	394	5	.	.	PUNCT
ajis02-1923	395	1	https://doi.org/978-160918-230-4	https://doi.org/978-160918-230-4	ADP
ajis02-1923	395	2	heskett	heskett	PROPN
ajis02-1923	395	3	,	,	PUNCT
ajis02-1923	395	4	b.	b.	PROPN
ajis02-1923	395	5	y.	y.	PROPN
ajis02-1923	395	6	j.	j.	PROPN
ajis02-1923	395	7	l.	l.	PROPN
ajis02-1923	395	8	,	,	PUNCT
ajis02-1923	395	9	jones	jones	PROPN
ajis02-1923	395	10	,	,	PUNCT
ajis02-1923	395	11	t.	t.	PROPN
ajis02-1923	395	12	o.	o.	PROPN
ajis02-1923	395	13	,	,	PUNCT
ajis02-1923	395	14	loveman	loveman	NOUN
ajis02-1923	395	15	,	,	PUNCT
ajis02-1923	395	16	g.	g.	PROPN
ajis02-1923	395	17	w.	w.	PROPN
ajis02-1923	395	18	,	,	PUNCT
ajis02-1923	395	19	sasser	sasser	PROPN
ajis02-1923	395	20	,	,	PUNCT
ajis02-1923	395	21	w.	w.	PROPN
ajis02-1923	395	22	e.	e.	PROPN
ajis02-1923	395	23	,	,	PUNCT
ajis02-1923	395	24	&	&	CCONJ
ajis02-1923	395	25	schlesinger	schlesinger	PROPN
ajis02-1923	395	26	,	,	PUNCT
ajis02-1923	395	27	l.	l.	PROPN
ajis02-1923	395	28	a.	a.	PROPN
ajis02-1923	395	29	(	(	PUNCT
ajis02-1923	395	30	1994	1994	NUM
ajis02-1923	395	31	)	)	PUNCT
ajis02-1923	395	32	.	.	PUNCT
ajis02-1923	396	1	putting	put	VERB
ajis02-1923	396	2	the	the	DET
ajis02-1923	396	3	service	service	NOUN
ajis02-1923	396	4	-	-	PUNCT
ajis02-1923	396	5	profi	profi	PROPN
ajis02-1923	396	6	t	t	PROPN
ajis02-1923	396	7	chain	chain	NOUN
ajis02-1923	396	8	to	to	AUX
ajis02-1923	396	9	work	work	VERB
ajis02-1923	396	10	.	.	PUNCT
ajis02-1923	397	1	harvard	harvard	PROPN
ajis02-1923	397	2	business	business	PROPN
ajis02-1923	397	3	review	review	PROPN
ajis02-1923	397	4	,	,	PUNCT
ajis02-1923	397	5	72(2	72(2	NOUN
ajis02-1923	397	6	)	)	PUNCT
ajis02-1923	397	7	,	,	PUNCT
ajis02-1923	397	8	164–174	164–174	NUM
ajis02-1923	397	9	.	.	PUNCT
ajis02-1923	398	1	https://doi.org/10.1145/781031.781034	https://doi.org/10.1145/781031.781034	PROPN
ajis02-1923	398	2	hunt	hunt	PROPN
ajis02-1923	398	3	,	,	PUNCT
ajis02-1923	398	4	h.	h.	PROPN
ajis02-1923	398	5	keith	keith	PROPN
ajis02-1923	398	6	,	,	PUNCT
ajis02-1923	398	7	e.	e.	PROPN
ajis02-1923	398	8	(	(	PUNCT
ajis02-1923	398	9	1977	1977	NUM
ajis02-1923	398	10	)	)	PUNCT
ajis02-1923	398	11	.	.	PUNCT
ajis02-1923	399	1	conceptualization	conceptualization	NOUN
ajis02-1923	399	2	and	and	CCONJ
ajis02-1923	399	3	measurement	measurement	NOUN
ajis02-1923	399	4	of	of	ADP
ajis02-1923	399	5	consumer	consumer	NOUN
ajis02-1923	399	6	satisfaction	satisfaction	NOUN
ajis02-1923	399	7	and	and	CCONJ
ajis02-1923	399	8	dissatisfaction	dissatisfaction	NOUN
ajis02-1923	399	9	.	.	PUNCT
ajis02-1923	400	1	marketing	marketing	NOUN
ajis02-1923	400	2	science	science	NOUN
ajis02-1923	400	3	institut2	institut2	PROPN
ajis02-1923	400	4	,	,	PUNCT
ajis02-1923	400	5	77–103	77–103	PROPN
ajis02-1923	400	6	.	.	PUNCT
ajis02-1923	400	7	australasian	australasian	ADJ
ajis02-1923	400	8	journal	journal	NOUN
ajis02-1923	400	9	of	of	ADP
ajis02-1923	400	10	information	information	NOUN
ajis02-1923	400	11	systems	system	NOUN
ajis02-1923	400	12	kumar	kumar	PROPN
ajis02-1923	400	13	,	,	PUNCT
ajis02-1923	400	14	sachan	sachan	PROPN
ajis02-1923	400	15	&	&	CCONJ
ajis02-1923	400	16	kumar	kumar	PROPN
ajis02-1923	400	17	2020	2020	PROPN
ajis02-1923	400	18	,	,	PUNCT
ajis02-1923	400	19	vol	vol	NOUN
ajis02-1923	400	20	24	24	NUM
ajis02-1923	400	21	,	,	PUNCT
ajis02-1923	400	22	research	research	NOUN
ajis02-1923	400	23	article	article	NOUN
ajis02-1923	400	24	service	service	NOUN
ajis02-1923	400	25	delivery	delivery	NOUN
ajis02-1923	400	26	and	and	CCONJ
ajis02-1923	400	27	perceived	perceive	VERB
ajis02-1923	400	28	value	value	NOUN
ajis02-1923	400	29	in	in	ADP
ajis02-1923	400	30	internet	internet	NOUN
ajis02-1923	400	31	banking	banking	NOUN
ajis02-1923	400	32	adoption	adoption	NOUN
ajis02-1923	400	33	19	19	NUM
ajis02-1923	400	34	jay	jay	PROPN
ajis02-1923	400	35	,	,	PUNCT
ajis02-1923	400	36	h.	h.	PROPN
ajis02-1923	400	37	,	,	PUNCT
ajis02-1923	400	38	barry	barry	PROPN
ajis02-1923	400	39	,	,	PUNCT
ajis02-1923	400	40	r.	r.	PROPN
ajis02-1923	400	41	,	,	PUNCT
ajis02-1923	400	42	chuck	chuck	NOUN
ajis02-1923	400	43	,	,	PUNCT
ajis02-1923	400	44	m.	m.	NOUN
ajis02-1923	400	45	,	,	PUNCT
ajis02-1923	400	46	&	&	CCONJ
ajis02-1923	400	47	amit	amit	PROPN
ajis02-1923	400	48	,	,	PUNCT
ajis02-1923	400	49	s.	s.	PROPN
ajis02-1923	400	50	(	(	PUNCT
ajis02-1923	400	51	2017	2017	NUM
ajis02-1923	400	52	)	)	PUNCT
ajis02-1923	400	53	.	.	PUNCT
ajis02-1923	401	1	operations	operation	NOUN
ajis02-1923	401	2	management	management	NOUN
ajis02-1923	401	3	sustainability	sustainability	NOUN
ajis02-1923	401	4	and	and	CCONJ
ajis02-1923	401	5	supply	supply	NOUN
ajis02-1923	401	6	chain	chain	NOUN
ajis02-1923	401	7	management	management	NOUN
ajis02-1923	401	8	.	.	PUNCT
ajis02-1923	402	1	(	(	PUNCT
ajis02-1923	402	2	12th	12th	NOUN
ajis02-1923	402	3	,	,	PUNCT
ajis02-1923	402	4	ed	ed	NOUN
ajis02-1923	402	5	.	.	PUNCT
ajis02-1923	402	6	)	)	PUNCT
ajis02-1923	402	7	.	.	PUNCT
ajis02-1923	403	1	pearson	pearson	PROPN
ajis02-1923	403	2	india	india	PROPN
ajis02-1923	403	3	education	education	PROPN
ajis02-1923	403	4	.	.	PUNCT
ajis02-1923	404	1	jones	jones	PROPN
ajis02-1923	404	2	,	,	PUNCT
ajis02-1923	404	3	t.	t.	PROPN
ajis02-1923	404	4	o.	o.	PROPN
ajis02-1923	404	5	,	,	PUNCT
ajis02-1923	404	6	&	&	CCONJ
ajis02-1923	404	7	sasser	sasser	PROPN
ajis02-1923	404	8	,	,	PUNCT
ajis02-1923	404	9	w.	w.	PROPN
ajis02-1923	404	10	e.	e.	PROPN
ajis02-1923	404	11	(	(	PUNCT
ajis02-1923	404	12	1995	1995	NUM
ajis02-1923	404	13	)	)	PUNCT
ajis02-1923	404	14	.	.	PUNCT
ajis02-1923	405	1	why	why	SCONJ
ajis02-1923	405	2	satisfied	satisfied	ADJ
ajis02-1923	405	3	customers	customer	NOUN
ajis02-1923	405	4	defect	defect	VERB
ajis02-1923	405	5	.	.	PUNCT
ajis02-1923	406	1	harvard	harvard	PROPN
ajis02-1923	406	2	business	business	PROPN
ajis02-1923	406	3	review	review	PROPN
ajis02-1923	406	4	,	,	PUNCT
ajis02-1923	406	5	73(6	73(6	PROPN
ajis02-1923	406	6	)	)	PUNCT
ajis02-1923	406	7	,	,	PUNCT
ajis02-1923	406	8	88	88	NUM
ajis02-1923	406	9	.	.	PUNCT
ajis02-1923	407	1	kaura	kaura	NOUN
ajis02-1923	407	2	,	,	PUNCT
ajis02-1923	407	3	v.	v.	PROPN
ajis02-1923	407	4	(	(	PUNCT
ajis02-1923	407	5	2013	2013	NUM
ajis02-1923	407	6	)	)	PUNCT
ajis02-1923	407	7	.	.	PUNCT
ajis02-1923	408	1	antecedents	antecedent	NOUN
ajis02-1923	408	2	of	of	ADP
ajis02-1923	408	3	customer	customer	NOUN
ajis02-1923	408	4	satisfaction	satisfaction	NOUN
ajis02-1923	408	5	:	:	PUNCT
ajis02-1923	408	6	a	a	DET
ajis02-1923	408	7	study	study	NOUN
ajis02-1923	408	8	of	of	ADP
ajis02-1923	408	9	indian	indian	ADJ
ajis02-1923	408	10	public	public	ADJ
ajis02-1923	408	11	and	and	CCONJ
ajis02-1923	408	12	private	private	ADJ
ajis02-1923	408	13	sector	sector	NOUN
ajis02-1923	408	14	banks	bank	NOUN
ajis02-1923	408	15	.	.	PUNCT
ajis02-1923	409	1	international	international	ADJ
ajis02-1923	409	2	journal	journal	PROPN
ajis02-1923	409	3	of	of	ADP
ajis02-1923	409	4	bank	bank	PROPN
ajis02-1923	409	5	marketing	marketing	NOUN
ajis02-1923	409	6	,	,	PUNCT
ajis02-1923	409	7	31(3	31(3	NUM
ajis02-1923	409	8	)	)	PUNCT
ajis02-1923	409	9	,	,	PUNCT
ajis02-1923	409	10	167–186	167–186	NUM
ajis02-1923	409	11	.	.	PUNCT
ajis02-1923	410	1	kesharwani	kesharwani	PROPN
ajis02-1923	410	2	,	,	PUNCT
ajis02-1923	410	3	a.	a.	PROPN
ajis02-1923	410	4	,	,	PUNCT
ajis02-1923	410	5	&	&	CCONJ
ajis02-1923	410	6	bisht	bisht	PROPN
ajis02-1923	410	7	,	,	PUNCT
ajis02-1923	410	8	s.	s.	PROPN
ajis02-1923	410	9	s.	s.	PROPN
ajis02-1923	410	10	(	(	PUNCT
ajis02-1923	410	11	2012	2012	NUM
ajis02-1923	410	12	)	)	PUNCT
ajis02-1923	410	13	.	.	PUNCT
ajis02-1923	411	1	the	the	DET
ajis02-1923	411	2	impact	impact	NOUN
ajis02-1923	411	3	of	of	ADP
ajis02-1923	411	4	trust	trust	NOUN
ajis02-1923	411	5	and	and	CCONJ
ajis02-1923	411	6	perceived	perceive	VERB
ajis02-1923	411	7	risk	risk	NOUN
ajis02-1923	411	8	on	on	ADP
ajis02-1923	411	9	internet	internet	NOUN
ajis02-1923	411	10	banking	banking	NOUN
ajis02-1923	411	11	adoption	adoption	NOUN
ajis02-1923	411	12	in	in	ADP
ajis02-1923	411	13	india	india	PROPN
ajis02-1923	411	14	:	:	PUNCT
ajis02-1923	411	15	an	an	DET
ajis02-1923	411	16	extension	extension	NOUN
ajis02-1923	411	17	of	of	ADP
ajis02-1923	411	18	technology	technology	NOUN
ajis02-1923	411	19	acceptance	acceptance	NOUN
ajis02-1923	411	20	model	model	NOUN
ajis02-1923	411	21	.	.	PUNCT
ajis02-1923	412	1	international	international	ADJ
ajis02-1923	412	2	journal	journal	PROPN
ajis02-1923	412	3	of	of	ADP
ajis02-1923	412	4	bank	bank	PROPN
ajis02-1923	412	5	marketing	marketing	NOUN
ajis02-1923	412	6	,	,	PUNCT
ajis02-1923	412	7	30(4	30(4	NUM
ajis02-1923	412	8	)	)	PUNCT
ajis02-1923	412	9	,	,	PUNCT
ajis02-1923	412	10	303–322	303–322	NUM
ajis02-1923	412	11	.	.	PUNCT
ajis02-1923	412	12	https://doi.org/10.1108/02652321211236923	https://doi.org/10.1108/02652321211236923	PROPN
ajis02-1923	412	13	khalfan	khalfan	PROPN
ajis02-1923	412	14	,	,	PUNCT
ajis02-1923	412	15	a.	a.	PROPN
ajis02-1923	412	16	m.	m.	PROPN
ajis02-1923	412	17	s.	s.	PROPN
ajis02-1923	412	18	,	,	PUNCT
ajis02-1923	412	19	alrefaei	alrefaei	NOUN
ajis02-1923	412	20	,	,	PUNCT
ajis02-1923	412	21	y.	y.	PROPN
ajis02-1923	412	22	s.	s.	PROPN
ajis02-1923	412	23	,	,	PUNCT
ajis02-1923	412	24	&	&	CCONJ
ajis02-1923	412	25	al	al	PROPN
ajis02-1923	412	26	-	-	PUNCT
ajis02-1923	412	27	hajery	hajery	PROPN
ajis02-1923	412	28	,	,	PUNCT
ajis02-1923	412	29	m.	m.	NOUN
ajis02-1923	412	30	(	(	PUNCT
ajis02-1923	412	31	2006	2006	NUM
ajis02-1923	412	32	)	)	PUNCT
ajis02-1923	412	33	.	.	PUNCT
ajis02-1923	413	1	the	the	DET
ajis02-1923	413	2	impact	impact	NOUN
ajis02-1923	413	3	of	of	ADP
ajis02-1923	413	4	trust	trust	NOUN
ajis02-1923	413	5	and	and	CCONJ
ajis02-1923	413	6	perceived	perceive	VERB
ajis02-1923	413	7	risk	risk	NOUN
ajis02-1923	413	8	on	on	ADP
ajis02-1923	413	9	internet	internet	NOUN
ajis02-1923	413	10	banking	banking	NOUN
ajis02-1923	413	11	adoption	adoption	NOUN
ajis02-1923	413	12	in	in	ADP
ajis02-1923	413	13	india	india	PROPN
ajis02-1923	413	14	:	:	PUNCT
ajis02-1923	413	15	an	an	DET
ajis02-1923	413	16	extension	extension	NOUN
ajis02-1923	413	17	of	of	ADP
ajis02-1923	413	18	technology	technology	NOUN
ajis02-1923	413	19	acceptance	acceptance	NOUN
ajis02-1923	413	20	model	model	NOUN
ajis02-1923	413	21	.	.	PUNCT
ajis02-1923	414	1	international	international	ADJ
ajis02-1923	414	2	journal	journal	PROPN
ajis02-1923	414	3	of	of	ADP
ajis02-1923	414	4	financial	financial	ADJ
ajis02-1923	414	5	services	service	NOUN
ajis02-1923	414	6	management	management	NOUN
ajis02-1923	414	7	,	,	PUNCT
ajis02-1923	414	8	1(2–3	1(2–3	NUM
ajis02-1923	414	9	)	)	PUNCT
ajis02-1923	414	10	,	,	PUNCT
ajis02-1923	414	11	155–172	155–172	NUM
ajis02-1923	414	12	.	.	PUNCT
ajis02-1923	415	1	kim	kim	PROPN
ajis02-1923	415	2	,	,	PUNCT
ajis02-1923	415	3	g.	g.	PROPN
ajis02-1923	415	4	j.	j.	PROPN
ajis02-1923	415	5	(	(	PUNCT
ajis02-1923	415	6	2014	2014	NUM
ajis02-1923	415	7	)	)	PUNCT
ajis02-1923	415	8	.	.	PUNCT
ajis02-1923	416	1	applying	apply	VERB
ajis02-1923	416	2	service	service	NOUN
ajis02-1923	416	3	profit	profit	NOUN
ajis02-1923	416	4	chain	chain	NOUN
ajis02-1923	416	5	model	model	NOUN
ajis02-1923	416	6	to	to	ADP
ajis02-1923	416	7	the	the	DET
ajis02-1923	416	8	korean	korean	ADJ
ajis02-1923	416	9	restaurant	restaurant	NOUN
ajis02-1923	416	10	industry	industry	NOUN
ajis02-1923	416	11	.	.	PUNCT
ajis02-1923	417	1	international	international	ADJ
ajis02-1923	417	2	journal	journal	PROPN
ajis02-1923	417	3	of	of	ADP
ajis02-1923	417	4	hospitality	hospitality	PROPN
ajis02-1923	417	5	management	management	NOUN
ajis02-1923	417	6	,	,	PUNCT
ajis02-1923	417	7	36	36	NUM
ajis02-1923	417	8	,	,	PUNCT
ajis02-1923	417	9	1–13	1–13	NOUN
ajis02-1923	417	10	.	.	PUNCT
ajis02-1923	418	1	https://doi.org/10.1016/j.ijhm.2013.07.008	https://doi.org/10.1016/j.ijhm.2013.07.008	NOUN
ajis02-1923	418	2	laukkanen	laukkanen	NOUN
ajis02-1923	418	3	,	,	PUNCT
ajis02-1923	418	4	t.	t.	PROPN
ajis02-1923	418	5	(	(	PUNCT
ajis02-1923	418	6	2007	2007	NUM
ajis02-1923	418	7	)	)	PUNCT
ajis02-1923	418	8	.	.	PUNCT
ajis02-1923	419	1	internet	internet	NOUN
ajis02-1923	419	2	vs	vs	ADP
ajis02-1923	419	3	mobile	mobile	ADJ
ajis02-1923	419	4	banking	banking	NOUN
ajis02-1923	419	5	:	:	PUNCT
ajis02-1923	419	6	comparing	compare	VERB
ajis02-1923	419	7	customer	customer	NOUN
ajis02-1923	419	8	value	value	NOUN
ajis02-1923	419	9	perceptions	perception	NOUN
ajis02-1923	419	10	.	.	PUNCT
ajis02-1923	420	1	business	business	NOUN
ajis02-1923	420	2	process	process	NOUN
ajis02-1923	420	3	management	management	NOUN
ajis02-1923	420	4	journal	journal	NOUN
ajis02-1923	420	5	,	,	PUNCT
ajis02-1923	420	6	13(6	13(6	PROPN
ajis02-1923	420	7	)	)	PUNCT
ajis02-1923	420	8	,	,	PUNCT
ajis02-1923	421	1	788–797	788–797	NUM
ajis02-1923	421	2	.	.	PUNCT
ajis02-1923	422	1	https://doi.org/10.1108/14637150710834550	https://doi.org/10.1108/14637150710834550	PROPN
ajis02-1923	422	2	lekhawipat	lekhawipat	PROPN
ajis02-1923	422	3	,	,	PUNCT
ajis02-1923	422	4	c.	c.	PROPN
ajis02-1923	422	5	l.	l.	PROPN
ajis02-1923	422	6	w.	w.	PROPN
ajis02-1923	422	7	(	(	PUNCT
ajis02-1923	422	8	2014	2014	NUM
ajis02-1923	422	9	)	)	PUNCT
ajis02-1923	422	10	.	.	PUNCT
ajis02-1923	423	1	factors	factor	NOUN
ajis02-1923	423	2	affecting	affect	VERB
ajis02-1923	423	3	online	online	ADV
ajis02-1923	423	4	repurchase	repurchase	NOUN
ajis02-1923	423	5	intention	intention	NOUN
ajis02-1923	423	6	.	.	PUNCT
ajis02-1923	424	1	industrial	industrial	ADJ
ajis02-1923	424	2	management	management	PROPN
ajis02-1923	424	3	&	&	CCONJ
ajis02-1923	424	4	data	datum	NOUN
ajis02-1923	424	5	systems	system	NOUN
ajis02-1923	424	6	,	,	PUNCT
ajis02-1923	424	7	114(2	114(2	NUM
ajis02-1923	424	8	)	)	PUNCT
ajis02-1923	424	9	,	,	PUNCT
ajis02-1923	424	10	597–611	597–611	NUM
ajis02-1923	424	11	.	.	PUNCT
ajis02-1923	425	1	https://doi.org/10.1108/imds-10-2013-0432	https://doi.org/10.1108/imds-10-2013-0432	PROPN
ajis02-1923	425	2	luu	luu	PROPN
ajis02-1923	425	3	,	,	PUNCT
ajis02-1923	425	4	n.	n.	PROPN
ajis02-1923	425	5	,	,	PUNCT
ajis02-1923	425	6	hau	hau	PROPN
ajis02-1923	425	7	,	,	PUNCT
ajis02-1923	425	8	l.	l.	PROPN
ajis02-1923	425	9	n.	n.	PROPN
ajis02-1923	425	10	,	,	PUNCT
ajis02-1923	425	11	ngo	ngo	PROPN
ajis02-1923	425	12	,	,	PUNCT
ajis02-1923	425	13	l.	l.	PROPN
ajis02-1923	425	14	v.	v.	PROPN
ajis02-1923	425	15	,	,	PUNCT
ajis02-1923	425	16	bucic	bucic	NOUN
ajis02-1923	425	17	,	,	PUNCT
ajis02-1923	425	18	t.	t.	PROPN
ajis02-1923	425	19	,	,	PUNCT
ajis02-1923	425	20	&	&	CCONJ
ajis02-1923	425	21	cuong	cuong	PROPN
ajis02-1923	425	22	,	,	PUNCT
ajis02-1923	425	23	p.	p.	PROPN
ajis02-1923	425	24	h.	h.	PROPN
ajis02-1923	425	25	(	(	PUNCT
ajis02-1923	425	26	2016	2016	NUM
ajis02-1923	425	27	)	)	PUNCT
ajis02-1923	425	28	.	.	PUNCT
ajis02-1923	426	1	outcome	outcome	NOUN
ajis02-1923	426	2	versus	versus	ADP
ajis02-1923	426	3	process	process	NOUN
ajis02-1923	426	4	value	value	NOUN
ajis02-1923	426	5	in	in	ADP
ajis02-1923	426	6	service	service	NOUN
ajis02-1923	426	7	delivery	delivery	NOUN
ajis02-1923	426	8	.	.	PUNCT
ajis02-1923	427	1	journal	journal	NOUN
ajis02-1923	427	2	of	of	ADP
ajis02-1923	427	3	services	service	NOUN
ajis02-1923	427	4	marketing	marketing	NOUN
ajis02-1923	427	5	,	,	PUNCT
ajis02-1923	427	6	30(6	30(6	NUM
ajis02-1923	427	7	)	)	PUNCT
ajis02-1923	427	8	,	,	PUNCT
ajis02-1923	427	9	630–642	630–642	NUM
ajis02-1923	427	10	.	.	PUNCT
ajis02-1923	428	1	https://doi.org/10.1108/jsm-12-2014-0410	https://doi.org/10.1108/jsm-12-2014-0410	PROPN
ajis02-1923	428	2	mcdougall	mcdougall	PROPN
ajis02-1923	428	3	,	,	PUNCT
ajis02-1923	428	4	g.	g.	PROPN
ajis02-1923	428	5	h.	h.	PROPN
ajis02-1923	428	6	g.	g.	PROPN
ajis02-1923	428	7	,	,	PUNCT
ajis02-1923	428	8	&	&	CCONJ
ajis02-1923	428	9	levesque	levesque	PROPN
ajis02-1923	428	10	,	,	PUNCT
ajis02-1923	428	11	t.	t.	PROPN
ajis02-1923	428	12	(	(	PUNCT
ajis02-1923	428	13	2000	2000	NUM
ajis02-1923	428	14	)	)	PUNCT
ajis02-1923	428	15	.	.	PUNCT
ajis02-1923	429	1	customer	customer	NOUN
ajis02-1923	429	2	satisfaction	satisfaction	NOUN
ajis02-1923	429	3	with	with	ADP
ajis02-1923	429	4	services	service	NOUN
ajis02-1923	429	5	:	:	PUNCT
ajis02-1923	429	6	putting	put	VERB
ajis02-1923	429	7	perceived	perceive	VERB
ajis02-1923	429	8	value	value	NOUN
ajis02-1923	429	9	into	into	ADP
ajis02-1923	429	10	the	the	DET
ajis02-1923	429	11	equation	equation	NOUN
ajis02-1923	429	12	.	.	PUNCT
ajis02-1923	430	1	journal	journal	PROPN
ajis02-1923	430	2	of	of	ADP
ajis02-1923	430	3	services	service	NOUN
ajis02-1923	430	4	marketing	marketing	NOUN
ajis02-1923	430	5	,	,	PUNCT
ajis02-1923	430	6	14(5	14(5	NUM
ajis02-1923	430	7	)	)	PUNCT
ajis02-1923	430	8	,	,	PUNCT
ajis02-1923	430	9	392–410	392–410	NUM
ajis02-1923	430	10	.	.	PUNCT
ajis02-1923	431	1	https://doi.org/10.1108/08876040010340937	https://doi.org/10.1108/08876040010340937	X
ajis02-1923	431	2	meuter	meuter	NOUN
ajis02-1923	431	3	,	,	PUNCT
ajis02-1923	431	4	m.	m.	PROPN
ajis02-1923	431	5	l.	l.	PROPN
ajis02-1923	431	6	,	,	PUNCT
ajis02-1923	431	7	ostrom	ostrom	PROPN
ajis02-1923	431	8	,	,	PUNCT
ajis02-1923	431	9	a.	a.	PROPN
ajis02-1923	431	10	l.	l.	PROPN
ajis02-1923	431	11	,	,	PUNCT
ajis02-1923	431	12	roundtree	roundtree	PROPN
ajis02-1923	431	13	,	,	PUNCT
ajis02-1923	431	14	r.	r.	PROPN
ajis02-1923	431	15	i.	i.	PROPN
ajis02-1923	431	16	,	,	PUNCT
ajis02-1923	431	17	&	&	CCONJ
ajis02-1923	431	18	bitner	bitner	PROPN
ajis02-1923	431	19	,	,	PUNCT
ajis02-1923	431	20	m.	m.	NOUN
ajis02-1923	431	21	j.	j.	PROPN
ajis02-1923	431	22	(	(	PUNCT
ajis02-1923	431	23	2000	2000	NUM
ajis02-1923	431	24	)	)	PUNCT
ajis02-1923	431	25	.	.	PUNCT
ajis02-1923	432	1	self	self	NOUN
ajis02-1923	432	2	-	-	PUNCT
ajis02-1923	432	3	service	service	NOUN
ajis02-1923	432	4	technologies	technology	NOUN
ajis02-1923	432	5	 	 	SPACE
ajis02-1923	432	6	:	:	PUNCT
ajis02-1923	432	7	satisfaction	satisfaction	NOUN
ajis02-1923	432	8	with	with	ADP
ajis02-1923	432	9	technology	technology	NOUN
ajis02-1923	432	10	-	-	PUNCT
ajis02-1923	432	11	based	base	VERB
ajis02-1923	432	12	service	service	NOUN
ajis02-1923	432	13	encounters	encounter	NOUN
ajis02-1923	432	14	.	.	PUNCT
ajis02-1923	433	1	journal	journal	NOUN
ajis02-1923	433	2	of	of	ADP
ajis02-1923	433	3	marketing	marketing	NOUN
ajis02-1923	433	4	,	,	PUNCT
ajis02-1923	433	5	64(3	64(3	NUM
ajis02-1923	433	6	)	)	PUNCT
ajis02-1923	433	7	,	,	PUNCT
ajis02-1923	433	8	50	50	NUM
ajis02-1923	433	9	–	–	PUNCT
ajis02-1923	433	10	64	64	NUM
ajis02-1923	433	11	.	.	PUNCT
ajis02-1923	434	1	mishra	mishra	PROPN
ajis02-1923	434	2	,	,	PUNCT
ajis02-1923	434	3	s.	s.	PROPN
ajis02-1923	434	4	(	(	PUNCT
ajis02-1923	434	5	2009	2009	NUM
ajis02-1923	434	6	)	)	PUNCT
ajis02-1923	434	7	.	.	PUNCT
ajis02-1923	435	1	a	a	DET
ajis02-1923	435	2	conceptual	conceptual	ADJ
ajis02-1923	435	3	framework	framework	NOUN
ajis02-1923	435	4	for	for	ADP
ajis02-1923	435	5	creating	create	VERB
ajis02-1923	435	6	customer	customer	NOUN
ajis02-1923	435	7	value	value	NOUN
ajis02-1923	435	8	in	in	ADP
ajis02-1923	435	9	e	e	NOUN
ajis02-1923	435	10	-	-	NOUN
ajis02-1923	435	11	retailing	retailing	NOUN
ajis02-1923	435	12	in	in	ADP
ajis02-1923	435	13	india	india	PROPN
ajis02-1923	435	14	.	.	PUNCT
ajis02-1923	436	1	south	south	ADJ
ajis02-1923	436	2	asian	asian	PROPN
ajis02-1923	436	3	journal	journal	PROPN
ajis02-1923	436	4	of	of	ADP
ajis02-1923	436	5	management	management	NOUN
ajis02-1923	436	6	,	,	PUNCT
ajis02-1923	436	7	16(4	16(4	NUM
ajis02-1923	436	8	)	)	PUNCT
ajis02-1923	436	9	,	,	PUNCT
ajis02-1923	436	10	127–147	127–147	NUM
ajis02-1923	436	11	.	.	PUNCT
ajis02-1923	437	1	olkin	olkin	PROPN
ajis02-1923	437	2	,	,	PUNCT
ajis02-1923	437	3	i.	i.	PROPN
ajis02-1923	437	4	,	,	PUNCT
ajis02-1923	437	5	&	&	CCONJ
ajis02-1923	437	6	finn	finn	PROPN
ajis02-1923	437	7	,	,	PUNCT
ajis02-1923	437	8	j.	j.	PROPN
ajis02-1923	437	9	d.	d.	PROPN
ajis02-1923	437	10	(	(	PUNCT
ajis02-1923	437	11	1995	1995	NUM
ajis02-1923	437	12	)	)	PUNCT
ajis02-1923	437	13	.	.	PUNCT
ajis02-1923	438	1	correlations	correlation	NOUN
ajis02-1923	438	2	redux	redux	PROPN
ajis02-1923	438	3	.	.	PUNCT
ajis02-1923	439	1	psychological	psychological	ADJ
ajis02-1923	439	2	bulletin	bulletin	NOUN
ajis02-1923	439	3	,	,	PUNCT
ajis02-1923	439	4	118(1	118(1	NUM
ajis02-1923	439	5	)	)	PUNCT
ajis02-1923	439	6	,	,	PUNCT
ajis02-1923	439	7	155–164	155–164	NUM
ajis02-1923	439	8	.	.	PUNCT
ajis02-1923	440	1	https://doi.org/10.1037/0033-2909.118.1.155	https://doi.org/10.1037/0033-2909.118.1.155	PROPN
ajis02-1923	440	2	papadomichelaki	papadomichelaki	PROPN
ajis02-1923	440	3	,	,	PUNCT
ajis02-1923	440	4	x.	x.	NOUN
ajis02-1923	440	5	,	,	PUNCT
ajis02-1923	440	6	&	&	CCONJ
ajis02-1923	440	7	mentzas	mentzas	PROPN
ajis02-1923	440	8	,	,	PUNCT
ajis02-1923	440	9	g.	g.	PROPN
ajis02-1923	440	10	(	(	PUNCT
ajis02-1923	440	11	2012	2012	NUM
ajis02-1923	440	12	)	)	PUNCT
ajis02-1923	440	13	.	.	PUNCT
ajis02-1923	441	1	e	e	X
ajis02-1923	441	2	-	-	NOUN
ajis02-1923	441	3	govqual	govqual	ADJ
ajis02-1923	441	4	 	 	SPACE
ajis02-1923	441	5	:	:	PUNCT
ajis02-1923	441	6	a	a	DET
ajis02-1923	441	7	multiple	multiple	ADJ
ajis02-1923	441	8	-	-	PUNCT
ajis02-1923	441	9	item	item	NOUN
ajis02-1923	441	10	scale	scale	NOUN
ajis02-1923	441	11	for	for	ADP
ajis02-1923	441	12	assessing	assess	VERB
ajis02-1923	441	13	egovernment	egovernment	NOUN
ajis02-1923	441	14	service	service	NOUN
ajis02-1923	441	15	quality	quality	NOUN
ajis02-1923	441	16	.	.	PUNCT
ajis02-1923	442	1	government	government	NOUN
ajis02-1923	442	2	information	information	NOUN
ajis02-1923	442	3	quarterly	quarterly	ADV
ajis02-1923	442	4	,	,	PUNCT
ajis02-1923	442	5	29(1	29(1	NUM
ajis02-1923	442	6	)	)	PUNCT
ajis02-1923	442	7	,	,	PUNCT
ajis02-1923	443	1	98–109	98–109	NUM
ajis02-1923	443	2	.	.	PUNCT
ajis02-1923	444	1	https://doi.org/10.1016/j.giq.2011.08.011	https://doi.org/10.1016/j.giq.2011.08.011	PROPN
ajis02-1923	444	2	roth	roth	PROPN
ajis02-1923	444	3	,	,	PUNCT
ajis02-1923	444	4	a.	a.	NOUN
ajis02-1923	444	5	v	v	PROPN
ajis02-1923	444	6	,	,	PUNCT
ajis02-1923	444	7	&	&	CCONJ
ajis02-1923	444	8	jackson	jackson	PROPN
ajis02-1923	444	9	,	,	PUNCT
ajis02-1923	444	10	w.	w.	PROPN
ajis02-1923	444	11	e.	e.	PROPN
ajis02-1923	444	12	i.	i.	PROPN
ajis02-1923	444	13	(	(	PUNCT
ajis02-1923	444	14	1995	1995	NUM
ajis02-1923	444	15	)	)	PUNCT
ajis02-1923	444	16	.	.	PUNCT
ajis02-1923	445	1	strategic	strategic	ADJ
ajis02-1923	445	2	determinants	determinant	NOUN
ajis02-1923	445	3	of	of	ADP
ajis02-1923	445	4	service	service	NOUN
ajis02-1923	445	5	quality	quality	NOUN
ajis02-1923	445	6	and	and	CCONJ
ajis02-1923	445	7	performance	performance	NOUN
ajis02-1923	445	8	 	 	SPACE
ajis02-1923	445	9	:	:	PUNCT
ajis02-1923	445	10	evidence	evidence	NOUN
ajis02-1923	445	11	from	from	ADP
ajis02-1923	445	12	the	the	DET
ajis02-1923	445	13	banking	banking	NOUN
ajis02-1923	445	14	industry	industry	NOUN
ajis02-1923	445	15	.	.	PUNCT
ajis02-1923	446	1	management	management	NOUN
ajis02-1923	446	2	science	science	NOUN
ajis02-1923	446	3	,	,	PUNCT
ajis02-1923	446	4	41(11	41(11	NUM
ajis02-1923	446	5	)	)	PUNCT
ajis02-1923	446	6	,	,	PUNCT
ajis02-1923	446	7	1720	1720	NUM
ajis02-1923	446	8	–	–	PUNCT
ajis02-1923	446	9	1733	1733	NUM
ajis02-1923	446	10	.	.	PUNCT
ajis02-1923	447	1	australasian	australasian	ADJ
ajis02-1923	447	2	journal	journal	NOUN
ajis02-1923	447	3	of	of	ADP
ajis02-1923	447	4	information	information	NOUN
ajis02-1923	447	5	systems	system	NOUN
ajis02-1923	447	6	kumar	kumar	PROPN
ajis02-1923	447	7	,	,	PUNCT
ajis02-1923	447	8	sachan	sachan	PROPN
ajis02-1923	447	9	&	&	CCONJ
ajis02-1923	447	10	kumar	kumar	PROPN
ajis02-1923	447	11	2020	2020	PROPN
ajis02-1923	447	12	,	,	PUNCT
ajis02-1923	447	13	vol	vol	NOUN
ajis02-1923	447	14	24	24	NUM
ajis02-1923	447	15	,	,	PUNCT
ajis02-1923	447	16	research	research	NOUN
ajis02-1923	447	17	article	article	NOUN
ajis02-1923	447	18	service	service	NOUN
ajis02-1923	447	19	delivery	delivery	NOUN
ajis02-1923	447	20	and	and	CCONJ
ajis02-1923	447	21	perceived	perceive	VERB
ajis02-1923	447	22	value	value	NOUN
ajis02-1923	447	23	in	in	ADP
ajis02-1923	447	24	internet	internet	NOUN
ajis02-1923	447	25	banking	banking	NOUN
ajis02-1923	447	26	adoption	adoption	NOUN
ajis02-1923	447	27	20	20	NUM
ajis02-1923	447	28	sachan	sachan	NOUN
ajis02-1923	447	29	,	,	PUNCT
ajis02-1923	447	30	a.	a.	NOUN
ajis02-1923	447	31	,	,	PUNCT
ajis02-1923	447	32	kumar	kumar	PROPN
ajis02-1923	447	33	,	,	PUNCT
ajis02-1923	447	34	r.	r.	PROPN
ajis02-1923	447	35	,	,	PUNCT
ajis02-1923	447	36	&	&	CCONJ
ajis02-1923	447	37	kumar	kumar	PROPN
ajis02-1923	447	38	,	,	PUNCT
ajis02-1923	447	39	r.	r.	PROPN
ajis02-1923	447	40	(	(	PUNCT
ajis02-1923	447	41	2018	2018	NUM
ajis02-1923	447	42	)	)	PUNCT
ajis02-1923	447	43	.	.	PUNCT
ajis02-1923	448	1	examining	examine	VERB
ajis02-1923	448	2	the	the	DET
ajis02-1923	448	3	impact	impact	NOUN
ajis02-1923	448	4	of	of	ADP
ajis02-1923	448	5	e	e	NOUN
ajis02-1923	448	6	-	-	NOUN
ajis02-1923	448	7	government	government	ADJ
ajis02-1923	448	8	service	service	NOUN
ajis02-1923	448	9	delivery	delivery	NOUN
ajis02-1923	448	10	process	process	NOUN
ajis02-1923	448	11	on	on	ADP
ajis02-1923	448	12	user	user	NOUN
ajis02-1923	448	13	satisfaction	satisfaction	NOUN
ajis02-1923	448	14	.	.	PUNCT
ajis02-1923	449	1	journal	journal	NOUN
ajis02-1923	449	2	of	of	ADP
ajis02-1923	449	3	global	global	ADJ
ajis02-1923	449	4	operations	operation	NOUN
ajis02-1923	449	5	and	and	CCONJ
ajis02-1923	449	6	strategic	strategic	ADJ
ajis02-1923	449	7	outsourcing	outsourcing	NOUN
ajis02-1923	449	8	,	,	PUNCT
ajis02-1923	449	9	11(3	11(3	NUM
ajis02-1923	449	10	)	)	PUNCT
ajis02-1923	449	11	.	.	PUNCT
ajis02-1923	450	1	sanghera	sanghera	NOUN
ajis02-1923	450	2	,	,	PUNCT
ajis02-1923	450	3	t.	t.	PROPN
ajis02-1923	450	4	(	(	PUNCT
ajis02-1923	450	5	2018	2018	NUM
ajis02-1923	450	6	)	)	PUNCT
ajis02-1923	450	7	.	.	PUNCT
ajis02-1923	451	1	80	80	NUM
ajis02-1923	451	2	%	%	NOUN
ajis02-1923	451	3	of	of	ADP
ajis02-1923	451	4	indians	indians	PROPN
ajis02-1923	451	5	now	now	ADV
ajis02-1923	451	6	have	have	VERB
ajis02-1923	451	7	a	a	DET
ajis02-1923	451	8	bank	bank	NOUN
ajis02-1923	451	9	account	account	NOUN
ajis02-1923	451	10	.	.	PUNCT
ajis02-1923	452	1	so	so	ADV
ajis02-1923	452	2	why	why	SCONJ
ajis02-1923	452	3	is	be	AUX
ajis02-1923	452	4	financial	financial	ADJ
ajis02-1923	452	5	inclusion	inclusion	NOUN
ajis02-1923	452	6	low	low	ADJ
ajis02-1923	452	7	?	?	PUNCT
ajis02-1923	453	1	retrieved	retrieve	VERB
ajis02-1923	453	2	june	june	PROPN
ajis02-1923	453	3	4	4	NUM
ajis02-1923	453	4	,	,	PUNCT
ajis02-1923	453	5	2019	2019	NUM
ajis02-1923	453	6	,	,	PUNCT
ajis02-1923	453	7	from	from	ADP
ajis02-1923	453	8	https://www.businessstandard.com/article/finance/80-of-indians-now-have-a-bank-account-so-why-isfinancial-inclusion-low-118051700150_1.html	https://www.businessstandard.com/article/finance/80-of-indians-now-have-a-bank-account-so-why-isfinancial-inclusion-low-118051700150_1.html	PROPN
ajis02-1923	453	9	sharma	sharma	PROPN
ajis02-1923	453	10	,	,	PUNCT
ajis02-1923	453	11	s.	s.	PROPN
ajis02-1923	453	12	k.	k.	PROPN
ajis02-1923	453	13	,	,	PUNCT
ajis02-1923	453	14	&	&	CCONJ
ajis02-1923	453	15	govindaluri	govindaluri	PROPN
ajis02-1923	453	16	,	,	PUNCT
ajis02-1923	453	17	s.	s.	PROPN
ajis02-1923	453	18	m.	m.	PROPN
ajis02-1923	453	19	(	(	PUNCT
ajis02-1923	453	20	2014	2014	NUM
ajis02-1923	453	21	)	)	PUNCT
ajis02-1923	453	22	.	.	PUNCT
ajis02-1923	454	1	internet	internet	NOUN
ajis02-1923	454	2	banking	banking	NOUN
ajis02-1923	454	3	adoption	adoption	NOUN
ajis02-1923	454	4	in	in	ADP
ajis02-1923	454	5	india	india	PROPN
ajis02-1923	454	6	:	:	PUNCT
ajis02-1923	454	7	structural	structural	ADJ
ajis02-1923	454	8	equation	equation	NOUN
ajis02-1923	454	9	modeling	modeling	NOUN
ajis02-1923	454	10	approach	approach	NOUN
ajis02-1923	454	11	.	.	PUNCT
ajis02-1923	455	1	journal	journal	PROPN
ajis02-1923	455	2	of	of	ADP
ajis02-1923	455	3	indian	indian	PROPN
ajis02-1923	455	4	business	business	NOUN
ajis02-1923	455	5	research	research	NOUN
ajis02-1923	455	6	,	,	PUNCT
ajis02-1923	455	7	6(2	6(2	NUM
ajis02-1923	455	8	)	)	PUNCT
ajis02-1923	455	9	,	,	PUNCT
ajis02-1923	455	10	155–169	155–169	NUM
ajis02-1923	455	11	.	.	PUNCT
ajis02-1923	456	1	https://doi.org/10.1108/el-01-2017-0019	https://doi.org/10.1108/el-01-2017-0019	PROPN
ajis02-1923	456	2	sheth	sheth	PROPN
ajis02-1923	456	3	,	,	PUNCT
ajis02-1923	456	4	j.	j.	PROPN
ajis02-1923	456	5	n.	n.	PROPN
ajis02-1923	456	6	,	,	PUNCT
ajis02-1923	456	7	newman	newman	PROPN
ajis02-1923	456	8	,	,	PUNCT
ajis02-1923	456	9	b.	b.	PROPN
ajis02-1923	456	10	i.	i.	PROPN
ajis02-1923	456	11	,	,	PUNCT
ajis02-1923	456	12	&	&	CCONJ
ajis02-1923	456	13	gross	gross	PROPN
ajis02-1923	456	14	,	,	PUNCT
ajis02-1923	456	15	b.	b.	PROPN
ajis02-1923	456	16	l.	l.	PROPN
ajis02-1923	456	17	(	(	PUNCT
ajis02-1923	456	18	1991	1991	NUM
ajis02-1923	456	19	)	)	PUNCT
ajis02-1923	456	20	.	.	PUNCT
ajis02-1923	457	1	why	why	SCONJ
ajis02-1923	457	2	we	we	PRON
ajis02-1923	457	3	buy	buy	VERB
ajis02-1923	457	4	what	what	PRON
ajis02-1923	457	5	we	we	PRON
ajis02-1923	457	6	buy	buy	VERB
ajis02-1923	457	7	:	:	PUNCT
ajis02-1923	457	8	a	a	DET
ajis02-1923	457	9	theory	theory	NOUN
ajis02-1923	457	10	of	of	ADP
ajis02-1923	457	11	consumption	consumption	NOUN
ajis02-1923	457	12	values	value	NOUN
ajis02-1923	457	13	.	.	PUNCT
ajis02-1923	458	1	journal	journal	NOUN
ajis02-1923	458	2	of	of	ADP
ajis02-1923	458	3	business	business	NOUN
ajis02-1923	458	4	research	research	NOUN
ajis02-1923	458	5	,	,	PUNCT
ajis02-1923	458	6	22(2	22(2	NUM
ajis02-1923	458	7	)	)	PUNCT
ajis02-1923	458	8	,	,	PUNCT
ajis02-1923	458	9	159–171	159–171	NUM
ajis02-1923	458	10	.	.	PUNCT
ajis02-1923	459	1	singh	singh	PROPN
ajis02-1923	459	2	,	,	PUNCT
ajis02-1923	459	3	b.	b.	PROPN
ajis02-1923	459	4	,	,	PUNCT
ajis02-1923	459	5	&	&	CCONJ
ajis02-1923	459	6	malhotra	malhotra	PROPN
ajis02-1923	459	7	,	,	PUNCT
ajis02-1923	459	8	p.	p.	NOUN
ajis02-1923	459	9	(	(	PUNCT
ajis02-1923	459	10	2015	2015	NUM
ajis02-1923	459	11	)	)	PUNCT
ajis02-1923	459	12	.	.	PUNCT
ajis02-1923	460	1	adoption	adoption	NOUN
ajis02-1923	460	2	of	of	ADP
ajis02-1923	460	3	internet	internet	NOUN
ajis02-1923	460	4	banking	banking	NOUN
ajis02-1923	460	5	:	:	PUNCT
ajis02-1923	460	6	an	an	DET
ajis02-1923	460	7	empirical	empirical	ADJ
ajis02-1923	460	8	investigation	investigation	NOUN
ajis02-1923	460	9	of	of	ADP
ajis02-1923	460	10	indian	indian	ADJ
ajis02-1923	460	11	banking	banking	NOUN
ajis02-1923	460	12	sector	sector	NOUN
ajis02-1923	460	13	.	.	PUNCT
ajis02-1923	461	1	the	the	DET
ajis02-1923	461	2	journal	journal	NOUN
ajis02-1923	461	3	of	of	ADP
ajis02-1923	461	4	internet	internet	NOUN
ajis02-1923	461	5	banking	banking	NOUN
ajis02-1923	461	6	and	and	CCONJ
ajis02-1923	461	7	commerce	commerce	PROPN
ajis02-1923	461	8	,	,	PUNCT
ajis02-1923	461	9	2004	2004	NUM
ajis02-1923	461	10	.	.	PUNCT
ajis02-1923	462	1	sweeney	sweeney	PROPN
ajis02-1923	462	2	,	,	PUNCT
ajis02-1923	462	3	j.	j.	PROPN
ajis02-1923	462	4	,	,	PUNCT
ajis02-1923	462	5	&	&	CCONJ
ajis02-1923	462	6	soutar	soutar	NOUN
ajis02-1923	462	7	,	,	PUNCT
ajis02-1923	462	8	g.	g.	PROPN
ajis02-1923	462	9	(	(	PUNCT
ajis02-1923	462	10	2001	2001	NUM
ajis02-1923	462	11	)	)	PUNCT
ajis02-1923	462	12	.	.	PUNCT
ajis02-1923	463	1	consumer	consumer	NOUN
ajis02-1923	463	2	perceived	perceive	VERB
ajis02-1923	463	3	value	value	NOUN
ajis02-1923	463	4	:	:	PUNCT
ajis02-1923	463	5	the	the	DET
ajis02-1923	463	6	development	development	NOUN
ajis02-1923	463	7	of	of	ADP
ajis02-1923	463	8	a	a	DET
ajis02-1923	463	9	multiple	multiple	ADJ
ajis02-1923	463	10	item	item	NOUN
ajis02-1923	463	11	scale	scale	NOUN
ajis02-1923	463	12	.	.	PUNCT
ajis02-1923	464	1	journal	journal	NOUN
ajis02-1923	464	2	of	of	ADP
ajis02-1923	464	3	retailing	retailing	NOUN
ajis02-1923	464	4	,	,	PUNCT
ajis02-1923	464	5	77(2	77(2	NOUN
ajis02-1923	464	6	)	)	PUNCT
ajis02-1923	464	7	,	,	PUNCT
ajis02-1923	464	8	203–220	203–220	NUM
ajis02-1923	464	9	.	.	PUNCT
ajis02-1923	464	10	https://doi.org/10.1016/s00224359(01)00041-0	https://doi.org/10.1016/s00224359(01)00041-0	NOUN
ajis02-1923	464	11	szopiński	szopiński	NOUN
ajis02-1923	464	12	,	,	PUNCT
ajis02-1923	464	13	t.	t.	PROPN
ajis02-1923	464	14	s.	s.	PROPN
ajis02-1923	464	15	(	(	PUNCT
ajis02-1923	464	16	2016	2016	NUM
ajis02-1923	464	17	)	)	PUNCT
ajis02-1923	464	18	.	.	PUNCT
ajis02-1923	465	1	factors	factor	NOUN
ajis02-1923	465	2	affecting	affect	VERB
ajis02-1923	465	3	the	the	DET
ajis02-1923	465	4	adoption	adoption	NOUN
ajis02-1923	465	5	of	of	ADP
ajis02-1923	465	6	online	online	ADJ
ajis02-1923	465	7	banking	banking	NOUN
ajis02-1923	465	8	in	in	ADP
ajis02-1923	465	9	poland	poland	PROPN
ajis02-1923	465	10	.	.	PUNCT
ajis02-1923	466	1	journal	journal	PROPN
ajis02-1923	466	2	of	of	ADP
ajis02-1923	466	3	business	business	NOUN
ajis02-1923	466	4	research	research	NOUN
ajis02-1923	466	5	,	,	PUNCT
ajis02-1923	466	6	69(11	69(11	NOUN
ajis02-1923	466	7	)	)	PUNCT
ajis02-1923	466	8	,	,	PUNCT
ajis02-1923	466	9	4763–4768	4763–4768	NUM
ajis02-1923	466	10	.	.	PUNCT
ajis02-1923	467	1	https://doi.org/10.1016/j.jbusres.2016.04.027	https://doi.org/10.1016/j.jbusres.2016.04.027	PROPN
ajis02-1923	467	2	tan	tan	PROPN
ajis02-1923	467	3	,	,	PUNCT
ajis02-1923	467	4	m.	m.	NOUN
ajis02-1923	467	5	,	,	PUNCT
ajis02-1923	467	6	&	&	CCONJ
ajis02-1923	467	7	teo	teo	PROPN
ajis02-1923	467	8	,	,	PUNCT
ajis02-1923	467	9	t.	t.	PROPN
ajis02-1923	467	10	s.	s.	PROPN
ajis02-1923	467	11	h.	h.	PROPN
ajis02-1923	467	12	(	(	PUNCT
ajis02-1923	467	13	2000	2000	NUM
ajis02-1923	467	14	)	)	PUNCT
ajis02-1923	467	15	.	.	PUNCT
ajis02-1923	468	1	factors	factor	NOUN
ajis02-1923	468	2	influencing	influence	VERB
ajis02-1923	468	3	the	the	DET
ajis02-1923	468	4	adoption	adoption	NOUN
ajis02-1923	468	5	of	of	ADP
ajis02-1923	468	6	internet	internet	NOUN
ajis02-1923	468	7	banking	banking	NOUN
ajis02-1923	468	8	.	.	PUNCT
ajis02-1923	469	1	journal	journal	PROPN
ajis02-1923	469	2	of	of	ADP
ajis02-1923	469	3	the	the	DET
ajis02-1923	469	4	association	association	NOUN
ajis02-1923	469	5	for	for	ADP
ajis02-1923	469	6	information	information	NOUN
ajis02-1923	469	7	systems	system	NOUN
ajis02-1923	469	8	,	,	PUNCT
ajis02-1923	469	9	1(1	1(1	NUM
ajis02-1923	469	10	)	)	PUNCT
ajis02-1923	469	11	,	,	PUNCT
ajis02-1923	469	12	1–44	1–44	PROPN
ajis02-1923	469	13	.	.	PROPN
ajis02-1923	470	1	https://doi.org/10.1016/j.elerap.2008.11.006	https://doi.org/10.1016/j.elerap.2008.11.006	PROPN
ajis02-1923	470	2	wang	wang	PROPN
ajis02-1923	470	3	,	,	PUNCT
ajis02-1923	470	4	c.	c.	PROPN
ajis02-1923	470	5	(	(	PUNCT
ajis02-1923	470	6	2014	2014	NUM
ajis02-1923	470	7	)	)	PUNCT
ajis02-1923	470	8	.	.	PUNCT
ajis02-1923	471	1	antecedents	antecedent	NOUN
ajis02-1923	471	2	and	and	CCONJ
ajis02-1923	471	3	consequences	consequence	NOUN
ajis02-1923	471	4	of	of	ADP
ajis02-1923	471	5	perceived	perceive	VERB
ajis02-1923	471	6	value	value	NOUN
ajis02-1923	471	7	in	in	ADP
ajis02-1923	471	8	mobile	mobile	ADJ
ajis02-1923	471	9	government	government	NOUN
ajis02-1923	471	10	continuance	continuance	NOUN
ajis02-1923	471	11	use	use	NOUN
ajis02-1923	471	12	:	:	PUNCT
ajis02-1923	471	13	an	an	DET
ajis02-1923	471	14	empirical	empirical	ADJ
ajis02-1923	471	15	research	research	NOUN
ajis02-1923	471	16	in	in	ADP
ajis02-1923	471	17	china	china	PROPN
ajis02-1923	471	18	.	.	PUNCT
ajis02-1923	472	1	computers	computer	NOUN
ajis02-1923	472	2	in	in	ADP
ajis02-1923	472	3	human	human	ADJ
ajis02-1923	472	4	behavior	behavior	NOUN
ajis02-1923	472	5	,	,	PUNCT
ajis02-1923	472	6	34	34	NUM
ajis02-1923	472	7	,	,	PUNCT
ajis02-1923	472	8	140	140	NUM
ajis02-1923	472	9	–	–	SYM
ajis02-1923	472	10	147	147	NUM
ajis02-1923	472	11	.	.	PUNCT
ajis02-1923	473	1	https://doi.org/10.1016/j.chb.2014.01.034	https://doi.org/10.1016/j.chb.2014.01.034	PROPN
ajis02-1923	473	2	woodruff	woodruff	PROPN
ajis02-1923	473	3	,	,	PUNCT
ajis02-1923	473	4	r.	r.	PROPN
ajis02-1923	473	5	b.	b.	PROPN
ajis02-1923	473	6	(	(	PUNCT
ajis02-1923	473	7	1997	1997	NUM
ajis02-1923	473	8	)	)	PUNCT
ajis02-1923	473	9	.	.	PUNCT
ajis02-1923	474	1	customer	customer	NOUN
ajis02-1923	474	2	value	value	NOUN
ajis02-1923	474	3	:	:	PUNCT
ajis02-1923	474	4	the	the	DET
ajis02-1923	474	5	next	next	ADJ
ajis02-1923	474	6	source	source	NOUN
ajis02-1923	474	7	for	for	ADP
ajis02-1923	474	8	competitive	competitive	ADJ
ajis02-1923	474	9	advantage	advantage	NOUN
ajis02-1923	474	10	.	.	PUNCT
ajis02-1923	475	1	journal	journal	NOUN
ajis02-1923	475	2	of	of	ADP
ajis02-1923	475	3	the	the	DET
ajis02-1923	475	4	academy	academy	NOUN
ajis02-1923	475	5	of	of	ADP
ajis02-1923	475	6	marketing	marketing	NOUN
ajis02-1923	475	7	science	science	NOUN
ajis02-1923	475	8	,	,	PUNCT
ajis02-1923	475	9	25(2	25(2	NUM
ajis02-1923	475	10	)	)	PUNCT
ajis02-1923	475	11	,	,	PUNCT
ajis02-1923	475	12	139–153	139–153	NUM
ajis02-1923	475	13	.	.	PUNCT
ajis02-1923	476	1	https://doi.org/10.1007/bf02894350	https://doi.org/10.1007/bf02894350	PROPN
ajis02-1923	476	2	yang	yang	PROPN
ajis02-1923	476	3	,	,	PUNCT
ajis02-1923	476	4	z.	z.	PROPN
ajis02-1923	476	5	,	,	PUNCT
ajis02-1923	476	6	&	&	CCONJ
ajis02-1923	476	7	peterson	peterson	PROPN
ajis02-1923	476	8	,	,	PUNCT
ajis02-1923	476	9	r.	r.	PROPN
ajis02-1923	476	10	t.	t.	PROPN
ajis02-1923	476	11	(	(	PUNCT
ajis02-1923	476	12	2004	2004	NUM
ajis02-1923	476	13	)	)	PUNCT
ajis02-1923	476	14	.	.	PUNCT
ajis02-1923	477	1	customer	customer	NOUN
ajis02-1923	477	2	perceived	perceive	VERB
ajis02-1923	477	3	value	value	NOUN
ajis02-1923	477	4	,	,	PUNCT
ajis02-1923	477	5	satisfaction	satisfaction	NOUN
ajis02-1923	477	6	,	,	PUNCT
ajis02-1923	477	7	and	and	CCONJ
ajis02-1923	477	8	loyalty	loyalty	NOUN
ajis02-1923	477	9	:	:	PUNCT
ajis02-1923	477	10	the	the	DET
ajis02-1923	477	11	role	role	NOUN
ajis02-1923	477	12	of	of	ADP
ajis02-1923	477	13	switching	switch	VERB
ajis02-1923	477	14	costs	cost	NOUN
ajis02-1923	477	15	.	.	PUNCT
ajis02-1923	478	1	psychology	psychology	NOUN
ajis02-1923	478	2	and	and	CCONJ
ajis02-1923	478	3	marketing	marketing	NOUN
ajis02-1923	478	4	,	,	PUNCT
ajis02-1923	478	5	21(10	21(10	PROPN
ajis02-1923	478	6	)	)	PUNCT
ajis02-1923	478	7	,	,	PUNCT
ajis02-1923	478	8	799–822	799–822	NUM
ajis02-1923	478	9	.	.	PUNCT
ajis02-1923	479	1	https://doi.org/10.1002/mar.20030	https://doi.org/10.1002/mar.20030	NOUN
ajis02-1923	479	2	youngdahl	youngdahl	VERB
ajis02-1923	479	3	,	,	PUNCT
ajis02-1923	479	4	w.	w.	PROPN
ajis02-1923	479	5	e.	e.	PROPN
ajis02-1923	479	6	,	,	PUNCT
ajis02-1923	479	7	&	&	CCONJ
ajis02-1923	479	8	kellogg	kellogg	PROPN
ajis02-1923	479	9	,	,	PUNCT
ajis02-1923	479	10	d.	d.	PROPN
ajis02-1923	479	11	l.	l.	PROPN
ajis02-1923	479	12	(	(	PUNCT
ajis02-1923	479	13	1997	1997	NUM
ajis02-1923	479	14	)	)	PUNCT
ajis02-1923	479	15	.	.	PUNCT
ajis02-1923	480	1	the	the	DET
ajis02-1923	480	2	relationship	relationship	NOUN
ajis02-1923	480	3	between	between	ADP
ajis02-1923	480	4	service	service	NOUN
ajis02-1923	480	5	customers	customer	NOUN
ajis02-1923	480	6	’	'	PUNCT
ajis02-1923	480	7	quality	quality	NOUN
ajis02-1923	480	8	assurance	assurance	NOUN
ajis02-1923	480	9	behaviors	behavior	NOUN
ajis02-1923	480	10	,	,	PUNCT
ajis02-1923	480	11	satisfaction	satisfaction	NOUN
ajis02-1923	480	12	,	,	PUNCT
ajis02-1923	480	13	and	and	CCONJ
ajis02-1923	480	14	effort	effort	NOUN
ajis02-1923	480	15	 	 	SPACE
ajis02-1923	480	16	:	:	PUNCT
ajis02-1923	480	17	a	a	DET
ajis02-1923	480	18	cost	cost	NOUN
ajis02-1923	480	19	of	of	ADP
ajis02-1923	480	20	quality	quality	NOUN
ajis02-1923	480	21	perspective	perspective	NOUN
ajis02-1923	480	22	.	.	PUNCT
ajis02-1923	481	1	journal	journal	NOUN
ajis02-1923	481	2	of	of	ADP
ajis02-1923	481	3	operations	operation	NOUN
ajis02-1923	481	4	management	management	NOUN
ajis02-1923	481	5	,	,	PUNCT
ajis02-1923	481	6	15	15	NUM
ajis02-1923	481	7	,	,	PUNCT
ajis02-1923	481	8	19–32	19–32	NUM
ajis02-1923	481	9	.	.	PUNCT
ajis02-1923	482	1	zeithaml	zeithaml	PROPN
ajis02-1923	482	2	,	,	PUNCT
ajis02-1923	482	3	v.	v.	ADP
ajis02-1923	482	4	a.	a.	NOUN
ajis02-1923	482	5	(	(	PUNCT
ajis02-1923	482	6	1988	1988	NUM
ajis02-1923	482	7	)	)	PUNCT
ajis02-1923	482	8	.	.	PUNCT
ajis02-1923	483	1	perceptions	perception	NOUN
ajis02-1923	483	2	of	of	ADP
ajis02-1923	483	3	price	price	NOUN
ajis02-1923	483	4	,	,	PUNCT
ajis02-1923	483	5	quality	quality	NOUN
ajis02-1923	483	6	,	,	PUNCT
ajis02-1923	483	7	and	and	CCONJ
ajis02-1923	483	8	value	value	NOUN
ajis02-1923	483	9	:	:	PUNCT
ajis02-1923	483	10	a	a	DET
ajis02-1923	483	11	means	mean	NOUN
ajis02-1923	483	12	-	-	PUNCT
ajis02-1923	483	13	end	end	NOUN
ajis02-1923	483	14	model	model	NOUN
ajis02-1923	483	15	and	and	CCONJ
ajis02-1923	483	16	synthesis	synthesis	NOUN
ajis02-1923	483	17	of	of	ADP
ajis02-1923	483	18	evidence	evidence	NOUN
ajis02-1923	483	19	.	.	PUNCT
ajis02-1923	484	1	journal	journal	NOUN
ajis02-1923	484	2	of	of	ADP
ajis02-1923	484	3	marketing	marketing	NOUN
ajis02-1923	484	4	,	,	PUNCT
ajis02-1923	484	5	52(3	52(3	NOUN
ajis02-1923	484	6	)	)	PUNCT
ajis02-1923	484	7	,	,	PUNCT
ajis02-1923	484	8	2–22	2–22	PROPN
ajis02-1923	484	9	.	.	PUNCT
ajis02-1923	485	1	https://doi.org/10.2307/1251446	https://doi.org/10.2307/1251446	X
ajis02-1923	485	2	zeithaml	zeithaml	PROPN
ajis02-1923	485	3	,	,	PUNCT
ajis02-1923	485	4	v.	v.	ADP
ajis02-1923	485	5	a.	a.	PROPN
ajis02-1923	485	6	,	,	PUNCT
ajis02-1923	485	7	berry	berry	VERB
ajis02-1923	485	8	,	,	PUNCT
ajis02-1923	485	9	l.	l.	PROPN
ajis02-1923	485	10	l.	l.	PROPN
ajis02-1923	485	11	,	,	PUNCT
ajis02-1923	485	12	&	&	CCONJ
ajis02-1923	485	13	parasuraman	parasuraman	PROPN
ajis02-1923	485	14	,	,	PUNCT
ajis02-1923	485	15	a.	a.	NOUN
ajis02-1923	485	16	.	.	PUNCT
ajis02-1923	486	1	(	(	PUNCT
ajis02-1923	486	2	1996	1996	NUM
ajis02-1923	486	3	)	)	PUNCT
ajis02-1923	486	4	.	.	PUNCT
ajis02-1923	487	1	the	the	DET
ajis02-1923	487	2	behavioral	behavioral	ADJ
ajis02-1923	487	3	consequences	consequence	NOUN
ajis02-1923	487	4	of	of	ADP
ajis02-1923	487	5	service	service	NOUN
ajis02-1923	487	6	quality	quality	NOUN
ajis02-1923	487	7	.	.	PUNCT
ajis02-1923	488	1	journal	journal	NOUN
ajis02-1923	488	2	of	of	ADP
ajis02-1923	488	3	marketing	marketing	NOUN
ajis02-1923	488	4	,	,	PUNCT
ajis02-1923	488	5	60	60	NUM
ajis02-1923	488	6	,	,	PUNCT
ajis02-1923	488	7	31–46	31–46	NUM
ajis02-1923	488	8	.	.	PUNCT
ajis02-1923	488	9	zeithaml	zeithaml	PROPN
ajis02-1923	488	10	,	,	PUNCT
ajis02-1923	488	11	v.	v.	PROPN
ajis02-1923	488	12	a.	a.	PROPN
ajis02-1923	488	13	,	,	PUNCT
ajis02-1923	488	14	berry	berry	VERB
ajis02-1923	488	15	,	,	PUNCT
ajis02-1923	488	16	l.	l.	PROPN
ajis02-1923	488	17	,	,	PUNCT
ajis02-1923	488	18	&	&	CCONJ
ajis02-1923	488	19	parasuraman	parasuraman	PROPN
ajis02-1923	488	20	,	,	PUNCT
ajis02-1923	488	21	a.	a.	NOUN
ajis02-1923	488	22	(	(	PUNCT
ajis02-1923	488	23	1991	1991	NUM
ajis02-1923	488	24	)	)	PUNCT
ajis02-1923	488	25	.	.	PUNCT
ajis02-1923	489	1	understanding	understand	VERB
ajis02-1923	489	2	customer	customer	NOUN
ajis02-1923	489	3	expectations	expectation	NOUN
ajis02-1923	489	4	of	of	ADP
ajis02-1923	489	5	service	service	NOUN
ajis02-1923	489	6	.	.	PUNCT
ajis02-1923	490	1	sloan	sloan	PROPN
ajis02-1923	490	2	management	management	PROPN
ajis02-1923	490	3	review	review	PROPN
ajis02-1923	490	4	,	,	PUNCT
ajis02-1923	490	5	32(3	32(3	NUM
ajis02-1923	490	6	)	)	PUNCT
ajis02-1923	490	7	,	,	PUNCT
ajis02-1923	490	8	42	42	NUM
ajis02-1923	490	9	.	.	PUNCT
ajis02-1923	491	1	australasian	australasian	ADJ
ajis02-1923	491	2	journal	journal	NOUN
ajis02-1923	491	3	of	of	ADP
ajis02-1923	491	4	information	information	NOUN
ajis02-1923	491	5	systems	system	NOUN
ajis02-1923	491	6	kumar	kumar	PROPN
ajis02-1923	491	7	,	,	PUNCT
ajis02-1923	491	8	sachan	sachan	PROPN
ajis02-1923	491	9	&	&	CCONJ
ajis02-1923	491	10	kumar	kumar	PROPN
ajis02-1923	491	11	2020	2020	PROPN
ajis02-1923	491	12	,	,	PUNCT
ajis02-1923	491	13	vol	vol	NOUN
ajis02-1923	491	14	24	24	NUM
ajis02-1923	491	15	,	,	PUNCT
ajis02-1923	491	16	research	research	NOUN
ajis02-1923	491	17	article	article	NOUN
ajis02-1923	491	18	service	service	NOUN
ajis02-1923	491	19	delivery	delivery	NOUN
ajis02-1923	491	20	and	and	CCONJ
ajis02-1923	491	21	perceived	perceive	VERB
ajis02-1923	491	22	value	value	NOUN
ajis02-1923	491	23	in	in	ADP
ajis02-1923	491	24	internet	internet	NOUN
ajis02-1923	491	25	banking	banking	NOUN
ajis02-1923	491	26	adoption	adoption	NOUN
ajis02-1923	491	27	21	21	NUM
ajis02-1923	491	28	appendix	appendix	NOUN
ajis02-1923	491	29	a	a	PRON
ajis02-1923	491	30	:	:	PUNCT
ajis02-1923	491	31	measurement	measurement	NOUN
ajis02-1923	491	32	scales	scale	VERB
ajis02-1923	491	33	constructs	construct	VERB
ajis02-1923	491	34	scale	scale	NOUN
ajis02-1923	491	35	items	item	NOUN
ajis02-1923	491	36	source	source	NOUN
ajis02-1923	491	37	perceived	perceive	VERB
ajis02-1923	491	38	ibsds	ibsds	NOUN
ajis02-1923	491	39	process	process	NOUN
ajis02-1923	491	40	ibsdsp1	ibsdsp1	NOUN
ajis02-1923	491	41	:	:	PUNCT
ajis02-1923	491	42	the	the	DET
ajis02-1923	491	43	internet	internet	NOUN
ajis02-1923	491	44	banking	banking	NOUN
ajis02-1923	491	45	site	site	NOUN
ajis02-1923	491	46	is	be	AUX
ajis02-1923	491	47	difficult	difficult	ADJ
ajis02-1923	491	48	to	to	PART
ajis02-1923	491	49	navigate	navigate	VERB
ajis02-1923	491	50	through	through	ADV
ajis02-1923	491	51	.	.	PUNCT
ajis02-1923	492	1	(	(	PUNCT
ajis02-1923	492	2	ba	ba	PROPN
ajis02-1923	492	3	&	&	CCONJ
ajis02-1923	492	4	johansson	johansson	PROPN
ajis02-1923	492	5	,	,	PUNCT
ajis02-1923	492	6	2008)adopted	2008)adopted	NUM
ajis02-1923	492	7	and	and	CCONJ
ajis02-1923	492	8	modified	modified	ADJ
ajis02-1923	492	9	ebsdsp2	ebsdsp2	NOUN
ajis02-1923	492	10	:	:	PUNCT
ajis02-1923	492	11	the	the	DET
ajis02-1923	492	12	number	number	NOUN
ajis02-1923	492	13	of	of	ADP
ajis02-1923	492	14	choices	choice	NOUN
ajis02-1923	492	15	at	at	ADP
ajis02-1923	492	16	each	each	DET
ajis02-1923	492	17	step	step	NOUN
ajis02-1923	492	18	of	of	ADP
ajis02-1923	492	19	the	the	DET
ajis02-1923	492	20	internet	internet	NOUN
ajis02-1923	492	21	banking	banking	NOUN
ajis02-1923	492	22	service	service	NOUN
ajis02-1923	492	23	access	access	NOUN
ajis02-1923	492	24	process	process	NOUN
ajis02-1923	492	25	does	do	AUX
ajis02-1923	492	26	n’t	not	PART
ajis02-1923	492	27	need	need	VERB
ajis02-1923	492	28	to	to	PART
ajis02-1923	492	29	be	be	AUX
ajis02-1923	492	30	changed	change	VERB
ajis02-1923	492	31	.	.	PUNCT
ajis02-1923	493	1	ibsdsp3	ibsdsp3	ADV
ajis02-1923	493	2	:	:	PUNCT
ajis02-1923	493	3	the	the	DET
ajis02-1923	493	4	internet	internet	NOUN
ajis02-1923	493	5	banking	banking	NOUN
ajis02-1923	493	6	website	website	NOUN
ajis02-1923	493	7	ordering	ordering	NOUN
ajis02-1923	493	8	process	process	NOUN
ajis02-1923	493	9	was	be	AUX
ajis02-1923	493	10	n’t	not	PART
ajis02-1923	493	11	complicated	complicated	ADJ
ajis02-1923	493	12	.	.	PUNCT
ajis02-1923	494	1	ibsdsp4	ibsdsp4	ADJ
ajis02-1923	494	2	:	:	PUNCT
ajis02-1923	495	1	i	i	PRON
ajis02-1923	495	2	did	do	AUX
ajis02-1923	495	3	not	not	PART
ajis02-1923	495	4	experience	experience	VERB
ajis02-1923	495	5	any	any	DET
ajis02-1923	495	6	errors	error	NOUN
ajis02-1923	495	7	(	(	PUNCT
ajis02-1923	495	8	e.g.	e.g.	ADV
ajis02-1923	495	9	,	,	PUNCT
ajis02-1923	495	10	web	web	NOUN
ajis02-1923	495	11	pages	page	NOUN
ajis02-1923	495	12	that	that	PRON
ajis02-1923	495	13	did	do	AUX
ajis02-1923	495	14	not	not	PART
ajis02-1923	495	15	load	load	VERB
ajis02-1923	495	16	the	the	DET
ajis02-1923	495	17	first	first	ADJ
ajis02-1923	495	18	time	time	NOUN
ajis02-1923	495	19	)	)	PUNCT
ajis02-1923	495	20	while	while	SCONJ
ajis02-1923	495	21	accessing	access	VERB
ajis02-1923	495	22	internet	internet	NOUN
ajis02-1923	495	23	banking	banking	NOUN
ajis02-1923	495	24	services	service	NOUN
ajis02-1923	495	25	.	.	PUNCT
ajis02-1923	496	1	ibsdsp5	ibsdsp5	PROPN
ajis02-1923	496	2	:	:	PUNCT
ajis02-1923	496	3	i	i	PRON
ajis02-1923	496	4	had	have	VERB
ajis02-1923	496	5	trouble	trouble	NOUN
ajis02-1923	496	6	finding	find	VERB
ajis02-1923	496	7	what	what	PRON
ajis02-1923	496	8	i	i	PRON
ajis02-1923	496	9	was	be	AUX
ajis02-1923	496	10	looking	look	VERB
ajis02-1923	496	11	for	for	ADP
ajis02-1923	496	12	on	on	ADP
ajis02-1923	496	13	the	the	DET
ajis02-1923	496	14	internet	internet	NOUN
ajis02-1923	496	15	banking	banking	NOUN
ajis02-1923	496	16	website	website	NOUN
ajis02-1923	496	17	.	.	PUNCT
ajis02-1923	497	1	ibsdsp6	ibsdsp6	PROPN
ajis02-1923	497	2	:	:	PUNCT
ajis02-1923	498	1	the	the	DET
ajis02-1923	498	2	entire	entire	ADJ
ajis02-1923	498	3	process	process	NOUN
ajis02-1923	498	4	of	of	ADP
ajis02-1923	498	5	searching	search	VERB
ajis02-1923	498	6	and	and	CCONJ
ajis02-1923	498	7	transacting	transact	VERB
ajis02-1923	498	8	in	in	ADP
ajis02-1923	498	9	internet	internet	NOUN
ajis02-1923	498	10	banking	banking	NOUN
ajis02-1923	498	11	takes	take	VERB
ajis02-1923	498	12	a	a	DET
ajis02-1923	498	13	reasonable	reasonable	ADJ
ajis02-1923	498	14	amount	amount	NOUN
ajis02-1923	498	15	of	of	ADP
ajis02-1923	498	16	time	time	NOUN
ajis02-1923	498	17	.	.	PUNCT
ajis02-1923	499	1	perceived	perceive	VERB
ajis02-1923	499	2	value	value	NOUN
ajis02-1923	499	3	pv1	pv1	NOUN
ajis02-1923	499	4	:	:	PUNCT
ajis02-1923	499	5	using	use	VERB
ajis02-1923	499	6	internet	internet	NOUN
ajis02-1923	499	7	banking	banking	NOUN
ajis02-1923	499	8	is	be	AUX
ajis02-1923	499	9	a	a	DET
ajis02-1923	499	10	waste	waste	NOUN
ajis02-1923	499	11	of	of	ADP
ajis02-1923	499	12	my	my	PRON
ajis02-1923	499	13	time	time	NOUN
ajis02-1923	499	14	.	.	PUNCT
ajis02-1923	500	1	(	(	PUNCT
ajis02-1923	500	2	r	r	NOUN
ajis02-1923	500	3	)	)	PUNCT
ajis02-1923	500	4	(	(	PUNCT
ajis02-1923	500	5	bressolles	bressolle	NOUN
ajis02-1923	500	6	et	et	PROPN
ajis02-1923	500	7	al	al	PROPN
ajis02-1923	500	8	.	.	PROPN
ajis02-1923	500	9	,	,	PUNCT
ajis02-1923	500	10	2015)adopted	2015)adopted	NUM
ajis02-1923	500	11	and	and	CCONJ
ajis02-1923	500	12	modified	modify	VERB
ajis02-1923	500	13	pv2	pv2	NOUN
ajis02-1923	500	14	:	:	PUNCT
ajis02-1923	500	15	the	the	DET
ajis02-1923	500	16	service	service	NOUN
ajis02-1923	500	17	provided	provide	VERB
ajis02-1923	500	18	through	through	ADP
ajis02-1923	500	19	the	the	DET
ajis02-1923	500	20	bank	bank	NOUN
ajis02-1923	500	21	website	website	NOUN
ajis02-1923	500	22	is	be	AUX
ajis02-1923	500	23	very	very	ADV
ajis02-1923	500	24	efficient	efficient	ADJ
ajis02-1923	500	25	.	.	PUNCT
ajis02-1923	501	1	pv3	pv3	NOUN
ajis02-1923	501	2	:	:	PUNCT
ajis02-1923	501	3	the	the	DET
ajis02-1923	501	4	bank	bank	NOUN
ajis02-1923	501	5	website	website	NOUN
ajis02-1923	501	6	requires	require	VERB
ajis02-1923	501	7	a	a	DET
ajis02-1923	501	8	lot	lot	NOUN
ajis02-1923	501	9	of	of	ADP
ajis02-1923	501	10	effort	effort	NOUN
ajis02-1923	501	11	to	to	PART
ajis02-1923	501	12	use	use	VERB
ajis02-1923	501	13	.	.	PUNCT
ajis02-1923	502	1	(	(	PUNCT
ajis02-1923	502	2	r	r	NOUN
ajis02-1923	502	3	)	)	PUNCT
ajis02-1923	502	4	pv4	pv4	NOUN
ajis02-1923	502	5	:	:	PUNCT
ajis02-1923	503	1	i	i	PRON
ajis02-1923	503	2	am	be	AUX
ajis02-1923	503	3	treated	treat	VERB
ajis02-1923	503	4	fairly	fairly	ADV
ajis02-1923	503	5	by	by	ADP
ajis02-1923	503	6	the	the	DET
ajis02-1923	503	7	bank	bank	NOUN
ajis02-1923	503	8	website	website	NOUN
ajis02-1923	503	9	.	.	PUNCT
ajis02-1923	504	1	pv5	pv5	NOUN
ajis02-1923	504	2	:	:	PUNCT
ajis02-1923	504	3	very	very	ADV
ajis02-1923	504	4	little	little	ADJ
ajis02-1923	504	5	thought	thought	NOUN
ajis02-1923	504	6	is	be	AUX
ajis02-1923	504	7	required	require	VERB
ajis02-1923	504	8	to	to	PART
ajis02-1923	504	9	use	use	VERB
ajis02-1923	504	10	this	this	DET
ajis02-1923	504	11	bank	bank	NOUN
ajis02-1923	504	12	website	website	NOUN
ajis02-1923	504	13	.	.	PUNCT
ajis02-1923	505	1	pv6	pv6	NOUN
ajis02-1923	505	2	:	:	PUNCT
ajis02-1923	506	1	the	the	DET
ajis02-1923	506	2	bank	bank	NOUN
ajis02-1923	506	3	website	website	NOUN
ajis02-1923	506	4	does	do	AUX
ajis02-1923	506	5	n’t	not	PART
ajis02-1923	506	6	provide	provide	VERB
ajis02-1923	506	7	value	value	NOUN
ajis02-1923	506	8	.	.	PUNCT
ajis02-1923	507	1	(	(	PUNCT
ajis02-1923	507	2	r	r	NOUN
ajis02-1923	507	3	)	)	PUNCT
ajis02-1923	507	4	customer	customer	NOUN
ajis02-1923	507	5	satisfaction	satisfaction	NOUN
ajis02-1923	507	6	cs1	cs1	NOUN
ajis02-1923	507	7	:	:	PUNCT
ajis02-1923	508	1	i	i	PRON
ajis02-1923	508	2	am	be	AUX
ajis02-1923	508	3	satisfied	satisfied	ADJ
ajis02-1923	508	4	with	with	ADP
ajis02-1923	508	5	my	my	PRON
ajis02-1923	508	6	decision	decision	NOUN
ajis02-1923	508	7	to	to	PART
ajis02-1923	508	8	use	use	VERB
ajis02-1923	508	9	the	the	DET
ajis02-1923	508	10	internet	internet	NOUN
ajis02-1923	508	11	banking	banking	NOUN
ajis02-1923	508	12	service	service	NOUN
ajis02-1923	508	13	.	.	PUNCT
ajis02-1923	509	1	(	(	PUNCT
ajis02-1923	509	2	bressolles	bressolle	NOUN
ajis02-1923	509	3	et	et	PROPN
ajis02-1923	509	4	al	al	PROPN
ajis02-1923	509	5	.	.	PROPN
ajis02-1923	509	6	,	,	PUNCT
ajis02-1923	509	7	2015)adopted	2015)adopted	NUM
ajis02-1923	509	8	and	and	CCONJ
ajis02-1923	509	9	modified	modify	VERB
ajis02-1923	509	10	cs2	cs2	NOUN
ajis02-1923	509	11	:	:	PUNCT
ajis02-1923	509	12	my	my	PRON
ajis02-1923	509	13	choice	choice	NOUN
ajis02-1923	509	14	to	to	PART
ajis02-1923	509	15	access	access	VERB
ajis02-1923	509	16	internet	internet	NOUN
ajis02-1923	509	17	banking	banking	NOUN
ajis02-1923	509	18	service	service	NOUN
ajis02-1923	509	19	is	be	AUX
ajis02-1923	509	20	a	a	DET
ajis02-1923	509	21	good	good	ADJ
ajis02-1923	509	22	one	one	NUM
ajis02-1923	509	23	cs3	cs3	NOUN
ajis02-1923	509	24	:	:	PUNCT
ajis02-1923	509	25	i	i	PRON
ajis02-1923	509	26	am	be	AUX
ajis02-1923	509	27	confident	confident	ADJ
ajis02-1923	509	28	it	it	PRON
ajis02-1923	509	29	is	be	AUX
ajis02-1923	509	30	the	the	DET
ajis02-1923	509	31	right	right	ADJ
ajis02-1923	509	32	thing	thing	NOUN
ajis02-1923	509	33	to	to	PART
ajis02-1923	509	34	access	access	VERB
ajis02-1923	509	35	banking	banking	NOUN
ajis02-1923	509	36	services	service	NOUN
ajis02-1923	509	37	from	from	ADP
ajis02-1923	509	38	banking	banking	NOUN
ajis02-1923	509	39	web	web	NOUN
ajis02-1923	509	40	site	site	NOUN
ajis02-1923	509	41	.	.	PUNCT
ajis02-1923	510	1	behavioral	behavioral	ADJ
ajis02-1923	510	2	intention	intention	NOUN
ajis02-1923	510	3	bi1	bi1	NOUN
ajis02-1923	510	4	:	:	PUNCT
ajis02-1923	510	5	i	i	PRON
ajis02-1923	510	6	intend	intend	VERB
ajis02-1923	510	7	to	to	PART
ajis02-1923	510	8	continue	continue	VERB
ajis02-1923	510	9	to	to	PART
ajis02-1923	510	10	do	do	VERB
ajis02-1923	510	11	online	online	ADJ
ajis02-1923	510	12	business	business	NOUN
ajis02-1923	510	13	with	with	ADP
ajis02-1923	510	14	my	my	PRON
ajis02-1923	510	15	present	present	ADJ
ajis02-1923	510	16	bank	bank	NOUN
ajis02-1923	510	17	also	also	ADV
ajis02-1923	510	18	in	in	ADP
ajis02-1923	510	19	the	the	DET
ajis02-1923	510	20	future	future	NOUN
ajis02-1923	510	21	(	(	PUNCT
ajis02-1923	510	22	yang	yang	PROPN
ajis02-1923	510	23	&	&	CCONJ
ajis02-1923	510	24	peterson	peterson	PROPN
ajis02-1923	510	25	,	,	PUNCT
ajis02-1923	510	26	2004	2004	NUM
ajis02-1923	510	27	)	)	PUNCT
ajis02-1923	510	28	adopted	adopt	VERB
ajis02-1923	510	29	and	and	CCONJ
ajis02-1923	510	30	modified	modify	VERB
ajis02-1923	510	31	bi	bi	NOUN
ajis02-1923	510	32	:	:	PUNCT
ajis02-1923	510	33	i	i	PRON
ajis02-1923	510	34	say	say	VERB
ajis02-1923	510	35	positive	positive	ADJ
ajis02-1923	510	36	things	thing	NOUN
ajis02-1923	510	37	about	about	ADP
ajis02-1923	510	38	the	the	DET
ajis02-1923	510	39	internet	internet	NOUN
ajis02-1923	510	40	banking	banking	NOUN
ajis02-1923	510	41	to	to	ADP
ajis02-1923	510	42	other	other	ADJ
ajis02-1923	510	43	people	people	NOUN
ajis02-1923	510	44	.	.	PUNCT
ajis02-1923	511	1	bi3	bi3	PROPN
ajis02-1923	511	2	:	:	PUNCT
ajis02-1923	512	1	i	i	PRON
ajis02-1923	512	2	encourage	encourage	VERB
ajis02-1923	512	3	friends	friend	NOUN
ajis02-1923	512	4	and	and	CCONJ
ajis02-1923	512	5	relatives	relative	NOUN
ajis02-1923	512	6	to	to	PART
ajis02-1923	512	7	use	use	VERB
ajis02-1923	512	8	internet	internet	NOUN
ajis02-1923	512	9	banking	banking	NOUN
ajis02-1923	512	10	.	.	PUNCT
ajis02-1923	513	1	australasian	australasian	ADJ
ajis02-1923	513	2	journal	journal	NOUN
ajis02-1923	513	3	of	of	ADP
ajis02-1923	513	4	information	information	NOUN
ajis02-1923	513	5	systems	system	NOUN
ajis02-1923	513	6	kumar	kumar	PROPN
ajis02-1923	513	7	,	,	PUNCT
ajis02-1923	513	8	sachan	sachan	PROPN
ajis02-1923	513	9	&	&	CCONJ
ajis02-1923	513	10	kumar	kumar	PROPN
ajis02-1923	513	11	2020	2020	PROPN
ajis02-1923	513	12	,	,	PUNCT
ajis02-1923	513	13	vol	vol	NOUN
ajis02-1923	513	14	24	24	NUM
ajis02-1923	513	15	,	,	PUNCT
ajis02-1923	513	16	research	research	NOUN
ajis02-1923	513	17	article	article	NOUN
ajis02-1923	513	18	service	service	NOUN
ajis02-1923	513	19	delivery	delivery	NOUN
ajis02-1923	513	20	and	and	CCONJ
ajis02-1923	513	21	perceived	perceive	VERB
ajis02-1923	513	22	value	value	NOUN
ajis02-1923	513	23	in	in	ADP
ajis02-1923	513	24	internet	internet	NOUN
ajis02-1923	513	25	banking	banking	NOUN
ajis02-1923	513	26	adoption	adoption	NOUN
ajis02-1923	513	27	22	22	NUM
ajis02-1923	513	28	copyright	copyright	NOUN
ajis02-1923	513	29	:	:	PUNCT
ajis02-1923	514	1	©	©	PROPN
ajis02-1923	514	2	2020	2020	NUM
ajis02-1923	514	3	kumar	kumar	PROPN
ajis02-1923	514	4	,	,	PUNCT
ajis02-1923	514	5	sachan	sachan	PROPN
ajis02-1923	514	6	&	&	CCONJ
ajis02-1923	514	7	kumar	kumar	PROPN
ajis02-1923	514	8	.	.	PUNCT
ajis02-1923	515	1	this	this	PRON
ajis02-1923	515	2	is	be	AUX
ajis02-1923	515	3	an	an	DET
ajis02-1923	515	4	open	open	ADJ
ajis02-1923	515	5	-	-	PUNCT
ajis02-1923	515	6	access	access	NOUN
ajis02-1923	515	7	article	article	NOUN
ajis02-1923	515	8	distributed	distribute	VERB
ajis02-1923	515	9	under	under	ADP
ajis02-1923	515	10	the	the	DET
ajis02-1923	515	11	terms	term	NOUN
ajis02-1923	515	12	of	of	ADP
ajis02-1923	515	13	the	the	DET
ajis02-1923	515	14	creative	creative	ADJ
ajis02-1923	515	15	commons	common	NOUN
ajis02-1923	515	16	attribution	attribution	NOUN
ajis02-1923	515	17	-	-	PUNCT
ajis02-1923	515	18	noncommercial	noncommercial	ADJ
ajis02-1923	515	19	3.0	3.0	NUM
ajis02-1923	515	20	australia	australia	NOUN
ajis02-1923	515	21	license	license	NOUN
ajis02-1923	515	22	,	,	PUNCT
ajis02-1923	515	23	which	which	PRON
ajis02-1923	515	24	permits	permit	VERB
ajis02-1923	515	25	non	non	ADJ
ajis02-1923	515	26	-	-	ADJ
ajis02-1923	515	27	commercial	commercial	ADJ
ajis02-1923	515	28	use	use	NOUN
ajis02-1923	515	29	,	,	PUNCT
ajis02-1923	515	30	distribution	distribution	NOUN
ajis02-1923	515	31	,	,	PUNCT
ajis02-1923	515	32	and	and	CCONJ
ajis02-1923	515	33	reproduction	reproduction	NOUN
ajis02-1923	515	34	in	in	ADP
ajis02-1923	515	35	any	any	DET
ajis02-1923	515	36	medium	medium	NOUN
ajis02-1923	515	37	,	,	PUNCT
ajis02-1923	515	38	provided	provide	VERB
ajis02-1923	515	39	the	the	DET
ajis02-1923	515	40	original	original	ADJ
ajis02-1923	515	41	author	author	NOUN
ajis02-1923	515	42	and	and	CCONJ
ajis02-1923	515	43	ajis	ajis	ADV
ajis02-1923	515	44	are	be	AUX
ajis02-1923	515	45	credited	credit	VERB
ajis02-1923	515	46	.	.	PUNCT
ajis02-1923	516	1	doi	doi	NOUN
ajis02-1923	516	2	:	:	PUNCT
ajis02-1923	516	3	http://doi.org/10.3127/ajis.v24i0.1923	http://doi.org/10.3127/ajis.v24i0.1923	X
ajis02-1923	516	4	http://creativecommons.org/licenses/by-nc/3.0/au/	http://creativecommons.org/licenses/by-nc/3.0/au/	NOUN
ajis02-1923	516	5	1	1	NUM
ajis02-1923	516	6	introduction	introduction	NOUN
ajis02-1923	516	7	2	2	NUM
ajis02-1923	516	8	theoretical	theoretical	ADJ
ajis02-1923	516	9	framework	framework	NOUN
ajis02-1923	516	10	2.1	2.1	NUM
ajis02-1923	516	11	ibsds	ibsds	NOUN
ajis02-1923	516	12	process	process	NOUN
ajis02-1923	516	13	2.2	2.2	NUM
ajis02-1923	516	14	customer	customer	NOUN
ajis02-1923	516	15	satisfaction	satisfaction	NOUN
ajis02-1923	516	16	2.3	2.3	NUM
ajis02-1923	516	17	behavioural	behavioural	ADJ
ajis02-1923	516	18	intention	intention	NOUN
ajis02-1923	516	19	2.4	2.4	NUM
ajis02-1923	516	20	customer	customer	NOUN
ajis02-1923	516	21	perceived	perceive	VERB
ajis02-1923	516	22	value	value	NOUN
ajis02-1923	516	23	2.5	2.5	NUM
ajis02-1923	516	24	proposed	propose	VERB
ajis02-1923	516	25	hypotheses	hypothesis	NOUN
ajis02-1923	516	26	2.5.1	2.5.1	NUM
ajis02-1923	516	27	ibsds	ibsds	NOUN
ajis02-1923	516	28	process	process	NOUN
ajis02-1923	516	29	and	and	CCONJ
ajis02-1923	516	30	customer	customer	NOUN
ajis02-1923	516	31	satisfaction	satisfaction	NOUN
ajis02-1923	516	32	2.5.2	2.5.2	NUM
ajis02-1923	516	33	customer	customer	NOUN
ajis02-1923	516	34	satisfaction	satisfaction	NOUN
ajis02-1923	516	35	and	and	CCONJ
ajis02-1923	516	36	behavioural	behavioural	ADJ
ajis02-1923	516	37	intention	intention	NOUN
ajis02-1923	516	38	2.5.3	2.5.3	NUM
ajis02-1923	516	39	customer	customer	NOUN
ajis02-1923	516	40	satisfaction	satisfaction	NOUN
ajis02-1923	516	41	,	,	PUNCT
ajis02-1923	516	42	ibps	ibps	NOUN
ajis02-1923	516	43	process	process	NOUN
ajis02-1923	516	44	and	and	CCONJ
ajis02-1923	516	45	behavioural	behavioural	ADJ
ajis02-1923	516	46	intention	intention	NOUN
ajis02-1923	516	47	2.5.4	2.5.4	NUM
ajis02-1923	516	48	perceived	perceive	VERB
ajis02-1923	516	49	value	value	NOUN
ajis02-1923	516	50	,	,	PUNCT
ajis02-1923	516	51	ibsds	ibsds	NOUN
ajis02-1923	516	52	process	process	NOUN
ajis02-1923	516	53	and	and	CCONJ
ajis02-1923	516	54	customer	customer	NOUN
ajis02-1923	516	55	satisfaction	satisfaction	NOUN
ajis02-1923	516	56	2.5.5	2.5.5	NUM
ajis02-1923	516	57	perceived	perceive	VERB
ajis02-1923	516	58	value	value	NOUN
ajis02-1923	516	59	,	,	PUNCT
ajis02-1923	516	60	customer	customer	NOUN
ajis02-1923	516	61	satisfaction	satisfaction	NOUN
ajis02-1923	516	62	,	,	PUNCT
ajis02-1923	516	63	and	and	CCONJ
ajis02-1923	516	64	behavioural	behavioural	ADJ
ajis02-1923	516	65	intention	intention	NOUN
ajis02-1923	516	66	3	3	NUM
ajis02-1923	516	67	methodology	methodology	NOUN
ajis02-1923	516	68	3.1	3.1	NUM
ajis02-1923	516	69	measurement	measurement	NOUN
ajis02-1923	516	70	scale	scale	NOUN
ajis02-1923	516	71	3.2	3.2	NUM
ajis02-1923	516	72	sample	sample	NOUN
ajis02-1923	516	73	profile	profile	NOUN
ajis02-1923	516	74	and	and	CCONJ
ajis02-1923	516	75	data	datum	NOUN
ajis02-1923	516	76	collection	collection	NOUN
ajis02-1923	516	77	3.3	3.3	NUM
ajis02-1923	516	78	reliability	reliability	NOUN
ajis02-1923	516	79	and	and	CCONJ
ajis02-1923	516	80	construct	construct	VERB
ajis02-1923	516	81	validity	validity	NOUN
ajis02-1923	516	82	3.4	3.4	NUM
ajis02-1923	516	83	data	datum	NOUN
ajis02-1923	516	84	analysis	analysis	NOUN
ajis02-1923	516	85	procedure	procedure	NOUN
ajis02-1923	516	86	and	and	CCONJ
ajis02-1923	516	87	methods	method	NOUN
ajis02-1923	516	88	4	4	NUM
ajis02-1923	516	89	results	result	VERB
ajis02-1923	516	90	4.1	4.1	NUM
ajis02-1923	516	91	moderation	moderation	NOUN
ajis02-1923	516	92	5	5	NUM
ajis02-1923	516	93	discussion	discussion	NOUN
ajis02-1923	516	94	and	and	CCONJ
ajis02-1923	516	95	conclusion	conclusion	NOUN
ajis02-1923	516	96	6	6	NUM
ajis02-1923	516	97	limitations	limitation	NOUN
ajis02-1923	516	98	and	and	CCONJ
ajis02-1923	516	99	suggestions	suggestion	NOUN
ajis02-1923	516	100	for	for	ADP
ajis02-1923	516	101	future	future	ADJ
ajis02-1923	516	102	research	research	NOUN