id	sid	tid	token	lemma	pos
ajis02-2579	1	1	paper	paper	NOUN
ajis02-2579	1	2	title	title	NOUN
ajis02-2579	1	3	(	(	PUNCT
ajis02-2579	1	4	paper	paper	NOUN
ajis02-2579	1	5	title	title	NOUN
ajis02-2579	1	6	style	style	NOUN
ajis02-2579	1	7	)	)	PUNCT
ajis02-2579	1	8	australasian	australasian	ADJ
ajis02-2579	1	9	journal	journal	NOUN
ajis02-2579	1	10	of	of	ADP
ajis02-2579	1	11	information	information	NOUN
ajis02-2579	1	12	systems	system	NOUN
ajis02-2579	1	13	alhassan	alhassan	PROPN
ajis02-2579	1	14	,	,	PUNCT
ajis02-2579	1	15	li	li	PROPN
ajis02-2579	1	16	,	,	PUNCT
ajis02-2579	1	17	reddy	reddy	PROPN
ajis02-2579	1	18	&	&	CCONJ
ajis02-2579	1	19	duppati	duppati	PROPN
ajis02-2579	1	20	2020	2020	NUM
ajis02-2579	1	21	,	,	PUNCT
ajis02-2579	1	22	vol	vol	NOUN
ajis02-2579	1	23	24	24	NUM
ajis02-2579	1	24	,	,	PUNCT
ajis02-2579	1	25	research	research	NOUN
ajis02-2579	1	26	article	article	NOUN
ajis02-2579	1	27	consumer	consumer	NOUN
ajis02-2579	1	28	acceptance	acceptance	NOUN
ajis02-2579	1	29	and	and	CCONJ
ajis02-2579	1	30	continuance	continuance	NOUN
ajis02-2579	1	31	of	of	ADP
ajis02-2579	1	32	mobile	mobile	ADJ
ajis02-2579	1	33	money	money	NOUN
ajis02-2579	1	34	1	1	NUM
ajis02-2579	1	35	consumer	consumer	NOUN
ajis02-2579	1	36	acceptance	acceptance	NOUN
ajis02-2579	1	37	and	and	CCONJ
ajis02-2579	1	38	continuance	continuance	NOUN
ajis02-2579	1	39	of	of	ADP
ajis02-2579	1	40	mobile	mobile	ADJ
ajis02-2579	1	41	money	money	NOUN
ajis02-2579	1	42	:	:	PUNCT
ajis02-2579	1	43	secondary	secondary	ADJ
ajis02-2579	1	44	data	data	NOUN
ajis02-2579	1	45	insights	insight	NOUN
ajis02-2579	1	46	from	from	ADP
ajis02-2579	1	47	africa	africa	PROPN
ajis02-2579	1	48	using	use	VERB
ajis02-2579	1	49	the	the	DET
ajis02-2579	1	50	technology	technology	NOUN
ajis02-2579	1	51	acceptance	acceptance	NOUN
ajis02-2579	1	52	model	model	NOUN
ajis02-2579	1	53	abidin	abidin	PROPN
ajis02-2579	1	54	alhassan	alhassan	PROPN
ajis02-2579	1	55	waikato	waikato	NOUN
ajis02-2579	1	56	management	management	NOUN
ajis02-2579	1	57	school	school	PROPN
ajis02-2579	1	58	university	university	PROPN
ajis02-2579	1	59	of	of	ADP
ajis02-2579	1	60	waikato	waikato	PROPN
ajis02-2579	1	61	,	,	PUNCT
ajis02-2579	1	62	new	new	PROPN
ajis02-2579	1	63	zealand	zealand	PROPN
ajis02-2579	1	64	leon	leon	PROPN
ajis02-2579	1	65	li	li	PROPN
ajis02-2579	1	66	associate	associate	PROPN
ajis02-2579	1	67	professor	professor	NOUN
ajis02-2579	1	68	of	of	ADP
ajis02-2579	1	69	finance	finance	NOUN
ajis02-2579	1	70	waikato	waikato	NOUN
ajis02-2579	1	71	management	management	NOUN
ajis02-2579	1	72	school	school	PROPN
ajis02-2579	1	73	university	university	PROPN
ajis02-2579	1	74	of	of	ADP
ajis02-2579	1	75	waikato	waikato	PROPN
ajis02-2579	1	76	,	,	PUNCT
ajis02-2579	1	77	new	new	PROPN
ajis02-2579	1	78	zealand	zealand	PROPN
ajis02-2579	1	79	leonli@waikato.ac.nz	leonli@waikato.ac.nz	PROPN
ajis02-2579	1	80	krishna	krishna	PROPN
ajis02-2579	1	81	reddy	reddy	PROPN
ajis02-2579	1	82	senior	senior	ADJ
ajis02-2579	1	83	lecturer	lecturer	NOUN
ajis02-2579	1	84	of	of	ADP
ajis02-2579	1	85	finance	finance	NOUN
ajis02-2579	1	86	management	management	NOUN
ajis02-2579	1	87	and	and	CCONJ
ajis02-2579	1	88	legal	legal	ADJ
ajis02-2579	1	89	studies	study	NOUN
ajis02-2579	1	90	toi	toi	PROPN
ajis02-2579	1	91	ohomai	ohomai	PROPN
ajis02-2579	1	92	institute	institute	PROPN
ajis02-2579	1	93	of	of	ADP
ajis02-2579	1	94	technology	technology	PROPN
ajis02-2579	1	95	,	,	PUNCT
ajis02-2579	1	96	rotorua	rotorua	PROPN
ajis02-2579	1	97	,	,	PUNCT
ajis02-2579	1	98	new	new	PROPN
ajis02-2579	1	99	zealand	zealand	PROPN
ajis02-2579	1	100	geeta	geeta	PROPN
ajis02-2579	1	101	duppati	duppati	PROPN
ajis02-2579	1	102	senior	senior	ADJ
ajis02-2579	1	103	lecturer	lecturer	NOUN
ajis02-2579	1	104	of	of	ADP
ajis02-2579	1	105	finance	finance	NOUN
ajis02-2579	1	106	waikato	waikato	NOUN
ajis02-2579	1	107	management	management	NOUN
ajis02-2579	1	108	school	school	PROPN
ajis02-2579	1	109	university	university	PROPN
ajis02-2579	1	110	of	of	ADP
ajis02-2579	1	111	waikato	waikato	PROPN
ajis02-2579	1	112	,	,	PUNCT
ajis02-2579	1	113	new	new	PROPN
ajis02-2579	1	114	zealand	zealand	PROPN
ajis02-2579	1	115	abstract	abstract	NOUN
ajis02-2579	1	116	this	this	DET
ajis02-2579	1	117	research	research	NOUN
ajis02-2579	1	118	provides	provide	VERB
ajis02-2579	1	119	empirical	empirical	ADJ
ajis02-2579	1	120	results	result	NOUN
ajis02-2579	1	121	on	on	ADP
ajis02-2579	1	122	context	context	NOUN
ajis02-2579	1	123	-	-	PUNCT
ajis02-2579	1	124	based	base	VERB
ajis02-2579	1	125	factors	factor	NOUN
ajis02-2579	1	126	that	that	PRON
ajis02-2579	1	127	determine	determine	VERB
ajis02-2579	1	128	the	the	DET
ajis02-2579	1	129	use	use	NOUN
ajis02-2579	1	130	of	of	ADP
ajis02-2579	1	131	mobile	mobile	ADJ
ajis02-2579	1	132	money	money	NOUN
ajis02-2579	1	133	in	in	ADP
ajis02-2579	1	134	africa	africa	PROPN
ajis02-2579	1	135	by	by	ADP
ajis02-2579	1	136	employing	employ	VERB
ajis02-2579	1	137	a	a	DET
ajis02-2579	1	138	unique	unique	ADJ
ajis02-2579	1	139	secondary	secondary	ADJ
ajis02-2579	1	140	data	datum	NOUN
ajis02-2579	1	141	which	which	PRON
ajis02-2579	1	142	provides	provide	VERB
ajis02-2579	1	143	a	a	DET
ajis02-2579	1	144	new	new	ADJ
ajis02-2579	1	145	perspective	perspective	NOUN
ajis02-2579	1	146	on	on	ADP
ajis02-2579	1	147	the	the	DET
ajis02-2579	1	148	technology	technology	NOUN
ajis02-2579	1	149	acceptance	acceptance	NOUN
ajis02-2579	1	150	model	model	NOUN
ajis02-2579	1	151	(	(	PUNCT
ajis02-2579	1	152	tam	tam	NOUN
ajis02-2579	1	153	)	)	PUNCT
ajis02-2579	1	154	application	application	NOUN
ajis02-2579	1	155	.	.	PUNCT
ajis02-2579	2	1	the	the	DET
ajis02-2579	2	2	hypothesised	hypothesised	ADJ
ajis02-2579	2	3	research	research	NOUN
ajis02-2579	2	4	model	model	NOUN
ajis02-2579	2	5	tests	test	VERB
ajis02-2579	2	6	the	the	DET
ajis02-2579	2	7	context	context	NOUN
ajis02-2579	2	8	-	-	PUNCT
ajis02-2579	2	9	based	base	VERB
ajis02-2579	2	10	constructs	construct	NOUN
ajis02-2579	2	11	to	to	PART
ajis02-2579	2	12	determine	determine	VERB
ajis02-2579	2	13	how	how	SCONJ
ajis02-2579	2	14	these	these	DET
ajis02-2579	2	15	constructs	construct	NOUN
ajis02-2579	2	16	affect	affect	VERB
ajis02-2579	2	17	peoples	people	NOUN
ajis02-2579	2	18	'	'	PART
ajis02-2579	2	19	intentions	intention	NOUN
ajis02-2579	2	20	and	and	CCONJ
ajis02-2579	2	21	attitudes	attitude	NOUN
ajis02-2579	2	22	towards	towards	ADP
ajis02-2579	2	23	the	the	DET
ajis02-2579	2	24	continued	continue	VERB
ajis02-2579	2	25	use	use	NOUN
ajis02-2579	2	26	of	of	ADP
ajis02-2579	2	27	mobile	mobile	ADJ
ajis02-2579	2	28	money	money	NOUN
ajis02-2579	2	29	.	.	PUNCT
ajis02-2579	3	1	exploring	explore	VERB
ajis02-2579	3	2	these	these	DET
ajis02-2579	3	3	constructs	construct	NOUN
ajis02-2579	3	4	provides	provide	VERB
ajis02-2579	3	5	an	an	DET
ajis02-2579	3	6	understanding	understanding	NOUN
ajis02-2579	3	7	of	of	ADP
ajis02-2579	3	8	the	the	DET
ajis02-2579	3	9	insights	insight	NOUN
ajis02-2579	3	10	into	into	ADP
ajis02-2579	3	11	the	the	DET
ajis02-2579	3	12	marketing	marketing	NOUN
ajis02-2579	3	13	campaigns	campaign	NOUN
ajis02-2579	3	14	and	and	CCONJ
ajis02-2579	3	15	growth	growth	NOUN
ajis02-2579	3	16	of	of	ADP
ajis02-2579	3	17	mobile	mobile	ADJ
ajis02-2579	3	18	money	money	NOUN
ajis02-2579	3	19	providers	provider	NOUN
ajis02-2579	3	20	.	.	PUNCT
ajis02-2579	4	1	the	the	DET
ajis02-2579	4	2	empirical	empirical	ADJ
ajis02-2579	4	3	results	result	NOUN
ajis02-2579	4	4	suggest	suggest	VERB
ajis02-2579	4	5	that	that	SCONJ
ajis02-2579	4	6	the	the	DET
ajis02-2579	4	7	availability	availability	NOUN
ajis02-2579	4	8	of	of	ADP
ajis02-2579	4	9	electricity	electricity	NOUN
ajis02-2579	4	10	is	be	AUX
ajis02-2579	4	11	an	an	DET
ajis02-2579	4	12	important	important	ADJ
ajis02-2579	4	13	factor	factor	NOUN
ajis02-2579	4	14	for	for	ADP
ajis02-2579	4	15	mobile	mobile	ADJ
ajis02-2579	4	16	phone	phone	NOUN
ajis02-2579	4	17	functionality	functionality	NOUN
ajis02-2579	4	18	and	and	CCONJ
ajis02-2579	4	19	ongoing	ongoing	ADJ
ajis02-2579	4	20	use	use	NOUN
ajis02-2579	4	21	of	of	ADP
ajis02-2579	4	22	mobile	mobile	ADJ
ajis02-2579	4	23	money	money	NOUN
ajis02-2579	4	24	in	in	ADP
ajis02-2579	4	25	the	the	DET
ajis02-2579	4	26	long	long	ADJ
ajis02-2579	4	27	run	run	NOUN
ajis02-2579	4	28	.	.	PUNCT
ajis02-2579	5	1	there	there	PRON
ajis02-2579	5	2	is	be	VERB
ajis02-2579	5	3	also	also	ADV
ajis02-2579	5	4	a	a	DET
ajis02-2579	5	5	correlation	correlation	NOUN
ajis02-2579	5	6	between	between	ADP
ajis02-2579	5	7	regulations	regulation	NOUN
ajis02-2579	5	8	that	that	PRON
ajis02-2579	5	9	are	be	AUX
ajis02-2579	5	10	perceived	perceive	VERB
ajis02-2579	5	11	to	to	PART
ajis02-2579	5	12	be	be	AUX
ajis02-2579	5	13	enabling	enable	VERB
ajis02-2579	5	14	and	and	CCONJ
ajis02-2579	5	15	the	the	DET
ajis02-2579	5	16	intentions	intention	NOUN
ajis02-2579	5	17	of	of	ADP
ajis02-2579	5	18	individuals	individual	NOUN
ajis02-2579	5	19	to	to	PART
ajis02-2579	5	20	continue	continue	VERB
ajis02-2579	5	21	using	use	VERB
ajis02-2579	5	22	mobile	mobile	ADJ
ajis02-2579	5	23	money	money	NOUN
ajis02-2579	5	24	.	.	PUNCT
ajis02-2579	6	1	however	however	ADV
ajis02-2579	6	2	,	,	PUNCT
ajis02-2579	6	3	there	there	PRON
ajis02-2579	6	4	is	be	VERB
ajis02-2579	6	5	a	a	DET
ajis02-2579	6	6	negative	negative	ADJ
ajis02-2579	6	7	correlation	correlation	NOUN
ajis02-2579	6	8	between	between	ADP
ajis02-2579	6	9	rural	rural	ADJ
ajis02-2579	6	10	dwellings	dwelling	NOUN
ajis02-2579	6	11	and	and	CCONJ
ajis02-2579	6	12	the	the	DET
ajis02-2579	6	13	intentions	intention	NOUN
ajis02-2579	6	14	of	of	ADP
ajis02-2579	6	15	individuals	individual	NOUN
ajis02-2579	6	16	to	to	PART
ajis02-2579	6	17	adopt	adopt	VERB
ajis02-2579	6	18	the	the	DET
ajis02-2579	6	19	use	use	NOUN
ajis02-2579	6	20	of	of	ADP
ajis02-2579	6	21	mobile	mobile	ADJ
ajis02-2579	6	22	money	money	NOUN
ajis02-2579	6	23	which	which	PRON
ajis02-2579	6	24	finds	find	VERB
ajis02-2579	6	25	its	its	PRON
ajis02-2579	6	26	basis	basis	NOUN
ajis02-2579	6	27	in	in	ADP
ajis02-2579	6	28	the	the	DET
ajis02-2579	6	29	inadequate	inadequate	ADJ
ajis02-2579	6	30	mobile	mobile	ADJ
ajis02-2579	6	31	networks	network	NOUN
ajis02-2579	6	32	and	and	CCONJ
ajis02-2579	6	33	national	national	ADJ
ajis02-2579	6	34	grid	grid	NOUN
ajis02-2579	6	35	systems	system	NOUN
ajis02-2579	6	36	in	in	ADP
ajis02-2579	6	37	rural	rural	ADJ
ajis02-2579	6	38	areas	area	NOUN
ajis02-2579	6	39	.	.	PUNCT
ajis02-2579	7	1	keywords	keyword	NOUN
ajis02-2579	7	2	:	:	PUNCT
ajis02-2579	7	3	mobile	mobile	ADJ
ajis02-2579	7	4	money	money	NOUN
ajis02-2579	7	5	,	,	PUNCT
ajis02-2579	7	6	technology	technology	NOUN
ajis02-2579	7	7	acceptance	acceptance	NOUN
ajis02-2579	7	8	model	model	NOUN
ajis02-2579	7	9	,	,	PUNCT
ajis02-2579	7	10	ubiquity	ubiquity	NOUN
ajis02-2579	7	11	,	,	PUNCT
ajis02-2579	7	12	perceived	perceive	VERB
ajis02-2579	7	13	rural	rural	ADJ
ajis02-2579	7	14	data	datum	NOUN
ajis02-2579	7	15	availability	availability	NOUN
ajis02-2579	7	16	:	:	PUNCT
ajis02-2579	7	17	data	datum	NOUN
ajis02-2579	7	18	analysed	analyse	VERB
ajis02-2579	7	19	in	in	ADP
ajis02-2579	7	20	the	the	DET
ajis02-2579	7	21	study	study	NOUN
ajis02-2579	7	22	are	be	AUX
ajis02-2579	7	23	collected	collect	VERB
ajis02-2579	7	24	from	from	ADP
ajis02-2579	7	25	public	public	ADJ
ajis02-2579	7	26	sources	source	NOUN
ajis02-2579	7	27	.	.	PUNCT
ajis02-2579	8	1	1	1	NUM
ajis02-2579	8	2	introduction	introduction	NOUN
ajis02-2579	8	3	mobile	mobile	ADJ
ajis02-2579	8	4	money	money	NOUN
ajis02-2579	8	5	is	be	AUX
ajis02-2579	8	6	considered	consider	VERB
ajis02-2579	8	7	by	by	ADP
ajis02-2579	8	8	many	many	ADJ
ajis02-2579	8	9	(	(	PUNCT
ajis02-2579	8	10	de	de	X
ajis02-2579	8	11	koker	koker	NOUN
ajis02-2579	8	12	and	and	CCONJ
ajis02-2579	8	13	jentzsch	jentzsch	NOUN
ajis02-2579	8	14	,	,	PUNCT
ajis02-2579	8	15	2013	2013	NUM
ajis02-2579	8	16	;	;	PUNCT
ajis02-2579	8	17	gosavi	gosavi	VERB
ajis02-2579	8	18	,	,	PUNCT
ajis02-2579	8	19	2018	2018	NUM
ajis02-2579	8	20	;	;	PUNCT
ajis02-2579	8	21	ngugi	ngugi	PROPN
ajis02-2579	8	22	et	et	PROPN
ajis02-2579	8	23	.	.	PUNCT
ajis02-2579	9	1	al	al	PROPN
ajis02-2579	9	2	,	,	PUNCT
ajis02-2579	9	3	2010	2010	NUM
ajis02-2579	9	4	;	;	PUNCT
ajis02-2579	9	5	porteous	porteous	NOUN
ajis02-2579	9	6	,	,	PUNCT
ajis02-2579	9	7	2009	2009	NUM
ajis02-2579	9	8	)	)	PUNCT
ajis02-2579	9	9	as	as	ADP
ajis02-2579	9	10	the	the	DET
ajis02-2579	9	11	new	new	ADJ
ajis02-2579	9	12	service	service	NOUN
ajis02-2579	9	13	frontier	frontier	NOUN
ajis02-2579	9	14	for	for	ADP
ajis02-2579	9	15	financial	financial	ADJ
ajis02-2579	9	16	inclusion	inclusion	NOUN
ajis02-2579	9	17	,	,	PUNCT
ajis02-2579	9	18	especially	especially	ADV
ajis02-2579	9	19	in	in	ADP
ajis02-2579	9	20	africa	africa	PROPN
ajis02-2579	9	21	.	.	PUNCT
ajis02-2579	10	1	this	this	DET
ajis02-2579	10	2	innovation	innovation	NOUN
ajis02-2579	10	3	has	have	AUX
ajis02-2579	10	4	created	create	VERB
ajis02-2579	10	5	tremendous	tremendous	ADJ
ajis02-2579	10	6	opportunities	opportunity	NOUN
ajis02-2579	10	7	for	for	ADP
ajis02-2579	10	8	both	both	DET
ajis02-2579	10	9	service	service	NOUN
ajis02-2579	10	10	providers	provider	NOUN
ajis02-2579	10	11	and	and	CCONJ
ajis02-2579	10	12	users	user	NOUN
ajis02-2579	10	13	.	.	PUNCT
ajis02-2579	11	1	prior	prior	ADJ
ajis02-2579	11	2	research	research	NOUN
ajis02-2579	11	3	states	state	VERB
ajis02-2579	11	4	that	that	SCONJ
ajis02-2579	11	5	only	only	ADV
ajis02-2579	11	6	23	23	NUM
ajis02-2579	11	7	%	%	NOUN
ajis02-2579	11	8	of	of	ADP
ajis02-2579	11	9	adults	adult	NOUN
ajis02-2579	11	10	in	in	ADP
ajis02-2579	11	11	sub	sub	NOUN
ajis02-2579	11	12	saharan	saharan	PROPN
ajis02-2579	11	13	africa	africa	PROPN
ajis02-2579	11	14	(	(	PUNCT
ajis02-2579	11	15	ssa	ssa	PROPN
ajis02-2579	11	16	)	)	PUNCT
ajis02-2579	11	17	living	live	VERB
ajis02-2579	11	18	below	below	ADP
ajis02-2579	11	19	2usd	2usd	NUM
ajis02-2579	11	20	/	/	SYM
ajis02-2579	11	21	day	day	NOUN
ajis02-2579	11	22	possess	possess	VERB
ajis02-2579	11	23	a	a	DET
ajis02-2579	11	24	formal	formal	ADJ
ajis02-2579	11	25	bank	bank	NOUN
ajis02-2579	11	26	account	account	NOUN
ajis02-2579	11	27	(	(	PUNCT
ajis02-2579	11	28	demirgüç	demirgüç	PROPN
ajis02-2579	11	29	-	-	PUNCT
ajis02-2579	11	30	kunt	kunt	PROPN
ajis02-2579	11	31	et	et	PROPN
ajis02-2579	11	32	al	al	PROPN
ajis02-2579	11	33	.	.	PROPN
ajis02-2579	11	34	,	,	PUNCT
ajis02-2579	11	35	2015	2015	NUM
ajis02-2579	11	36	)	)	PUNCT
ajis02-2579	11	37	.	.	PUNCT
ajis02-2579	12	1	the	the	DET
ajis02-2579	12	2	uptake	uptake	NOUN
ajis02-2579	12	3	of	of	ADP
ajis02-2579	12	4	mobile	mobile	ADJ
ajis02-2579	12	5	australasian	australasian	ADJ
ajis02-2579	12	6	journal	journal	NOUN
ajis02-2579	12	7	of	of	ADP
ajis02-2579	12	8	information	information	NOUN
ajis02-2579	12	9	systems	system	NOUN
ajis02-2579	12	10	alhassan	alhassan	PROPN
ajis02-2579	12	11	,	,	PUNCT
ajis02-2579	12	12	li	li	PROPN
ajis02-2579	12	13	,	,	PUNCT
ajis02-2579	12	14	reddy	reddy	PROPN
ajis02-2579	12	15	&	&	CCONJ
ajis02-2579	12	16	duppati	duppati	PROPN
ajis02-2579	12	17	2020	2020	NUM
ajis02-2579	12	18	,	,	PUNCT
ajis02-2579	12	19	vol	vol	NOUN
ajis02-2579	12	20	24	24	NUM
ajis02-2579	12	21	,	,	PUNCT
ajis02-2579	12	22	research	research	NOUN
ajis02-2579	12	23	article	article	NOUN
ajis02-2579	12	24	consumer	consumer	NOUN
ajis02-2579	12	25	acceptance	acceptance	NOUN
ajis02-2579	12	26	and	and	CCONJ
ajis02-2579	12	27	continuance	continuance	NOUN
ajis02-2579	12	28	of	of	ADP
ajis02-2579	12	29	mobile	mobile	ADJ
ajis02-2579	12	30	money	money	NOUN
ajis02-2579	12	31	2	2	NUM
ajis02-2579	12	32	phones	phone	NOUN
ajis02-2579	12	33	in	in	ADP
ajis02-2579	12	34	africa	africa	PROPN
ajis02-2579	12	35	offers	offer	VERB
ajis02-2579	12	36	opportunities	opportunity	NOUN
ajis02-2579	12	37	for	for	ADP
ajis02-2579	12	38	financial	financial	ADJ
ajis02-2579	12	39	access	access	NOUN
ajis02-2579	12	40	to	to	ADP
ajis02-2579	12	41	previously	previously	ADV
ajis02-2579	12	42	unbanked	unbanked	ADJ
ajis02-2579	12	43	segments	segment	NOUN
ajis02-2579	12	44	of	of	ADP
ajis02-2579	12	45	the	the	DET
ajis02-2579	12	46	population	population	NOUN
ajis02-2579	12	47	.	.	PUNCT
ajis02-2579	13	1	however	however	ADV
ajis02-2579	13	2	,	,	PUNCT
ajis02-2579	13	3	the	the	DET
ajis02-2579	13	4	very	very	ADJ
ajis02-2579	13	5	trend	trend	NOUN
ajis02-2579	13	6	of	of	ADP
ajis02-2579	13	7	increased	increase	VERB
ajis02-2579	13	8	penetration	penetration	NOUN
ajis02-2579	13	9	of	of	ADP
ajis02-2579	13	10	mobile	mobile	ADJ
ajis02-2579	13	11	money	money	NOUN
ajis02-2579	13	12	among	among	ADP
ajis02-2579	13	13	the	the	DET
ajis02-2579	13	14	poor	poor	ADJ
ajis02-2579	13	15	of	of	ADP
ajis02-2579	13	16	africa	africa	PROPN
ajis02-2579	13	17	has	have	AUX
ajis02-2579	13	18	concerned	concern	VERB
ajis02-2579	13	19	policymakers	policymaker	NOUN
ajis02-2579	13	20	and	and	CCONJ
ajis02-2579	13	21	development	development	NOUN
ajis02-2579	13	22	experts	expert	NOUN
ajis02-2579	13	23	(	(	PUNCT
ajis02-2579	13	24	aker	aker	NOUN
ajis02-2579	13	25	and	and	CCONJ
ajis02-2579	13	26	mbiti	mbiti	NOUN
ajis02-2579	13	27	2010	2010	NUM
ajis02-2579	13	28	)	)	PUNCT
ajis02-2579	13	29	.	.	PUNCT
ajis02-2579	14	1	for	for	ADP
ajis02-2579	14	2	mobile	mobile	ADJ
ajis02-2579	14	3	money	money	NOUN
ajis02-2579	14	4	providers	provider	NOUN
ajis02-2579	14	5	(	(	PUNCT
ajis02-2579	14	6	mobile	mobile	ADJ
ajis02-2579	14	7	network	network	NOUN
ajis02-2579	14	8	operators	operator	NOUN
ajis02-2579	14	9	,	,	PUNCT
ajis02-2579	14	10	mnos	mno	NOUN
ajis02-2579	14	11	)	)	PUNCT
ajis02-2579	14	12	,	,	PUNCT
ajis02-2579	14	13	acquiring	acquire	VERB
ajis02-2579	14	14	new	new	ADJ
ajis02-2579	14	15	customers	customer	NOUN
ajis02-2579	14	16	and	and	CCONJ
ajis02-2579	14	17	promoting	promote	VERB
ajis02-2579	14	18	their	their	PRON
ajis02-2579	14	19	usage	usage	NOUN
ajis02-2579	14	20	is	be	AUX
ajis02-2579	14	21	only	only	ADV
ajis02-2579	14	22	the	the	DET
ajis02-2579	14	23	initial	initial	ADJ
ajis02-2579	14	24	step	step	NOUN
ajis02-2579	14	25	.	.	PUNCT
ajis02-2579	15	1	they	they	PRON
ajis02-2579	15	2	also	also	ADV
ajis02-2579	15	3	need	need	VERB
ajis02-2579	15	4	to	to	PART
ajis02-2579	15	5	retain	retain	VERB
ajis02-2579	15	6	existing	exist	VERB
ajis02-2579	15	7	users	user	NOUN
ajis02-2579	15	8	and	and	CCONJ
ajis02-2579	15	9	facilitate	facilitate	VERB
ajis02-2579	15	10	their	their	PRON
ajis02-2579	15	11	ongoing	ongoing	ADJ
ajis02-2579	15	12	custom	custom	NOUN
ajis02-2579	15	13	,	,	PUNCT
ajis02-2579	15	14	which	which	PRON
ajis02-2579	15	15	represents	represent	VERB
ajis02-2579	15	16	better	well	ADJ
ajis02-2579	15	17	security	security	NOUN
ajis02-2579	15	18	for	for	ADP
ajis02-2579	15	19	the	the	DET
ajis02-2579	15	20	long	long	ADJ
ajis02-2579	15	21	-	-	PUNCT
ajis02-2579	15	22	term	term	NOUN
ajis02-2579	15	23	existence	existence	NOUN
ajis02-2579	15	24	of	of	ADP
ajis02-2579	15	25	providers	provider	NOUN
ajis02-2579	15	26	.	.	PUNCT
ajis02-2579	16	1	reichheld	reichheld	NOUN
ajis02-2579	16	2	and	and	CCONJ
ajis02-2579	16	3	schefter	schefter	PROPN
ajis02-2579	16	4	(	(	PUNCT
ajis02-2579	16	5	2000	2000	NUM
ajis02-2579	16	6	)	)	PUNCT
ajis02-2579	16	7	have	have	AUX
ajis02-2579	16	8	contended	contend	VERB
ajis02-2579	16	9	that	that	SCONJ
ajis02-2579	16	10	the	the	DET
ajis02-2579	16	11	cost	cost	NOUN
ajis02-2579	16	12	of	of	ADP
ajis02-2579	16	13	acquiring	acquire	VERB
ajis02-2579	16	14	a	a	DET
ajis02-2579	16	15	new	new	ADJ
ajis02-2579	16	16	user	user	NOUN
ajis02-2579	16	17	is	be	AUX
ajis02-2579	16	18	five	five	NUM
ajis02-2579	16	19	times	time	NOUN
ajis02-2579	16	20	that	that	PRON
ajis02-2579	16	21	of	of	ADP
ajis02-2579	16	22	retaining	retain	VERB
ajis02-2579	16	23	an	an	DET
ajis02-2579	16	24	existing	exist	VERB
ajis02-2579	16	25	user	user	NOUN
ajis02-2579	16	26	.	.	PUNCT
ajis02-2579	17	1	according	accord	VERB
ajis02-2579	17	2	to	to	ADP
ajis02-2579	17	3	gsma	gsma	NOUN
ajis02-2579	17	4	(	(	PUNCT
ajis02-2579	17	5	2019	2019	NUM
ajis02-2579	17	6	)	)	PUNCT
ajis02-2579	17	7	,	,	PUNCT
ajis02-2579	17	8	there	there	PRON
ajis02-2579	17	9	are	be	VERB
ajis02-2579	17	10	395.7	395.7	NUM
ajis02-2579	17	11	million	million	NUM
ajis02-2579	17	12	registered	register	VERB
ajis02-2579	17	13	mobile	mobile	ADJ
ajis02-2579	17	14	money	money	NOUN
ajis02-2579	17	15	accounts	account	VERB
ajis02-2579	17	16	in	in	ADP
ajis02-2579	17	17	the	the	DET
ajis02-2579	17	18	sub	sub	ADJ
ajis02-2579	17	19	-	-	ADJ
ajis02-2579	17	20	saharan	saharan	ADJ
ajis02-2579	17	21	african	african	ADJ
ajis02-2579	17	22	region	region	NOUN
ajis02-2579	17	23	as	as	ADP
ajis02-2579	17	24	of	of	ADP
ajis02-2579	17	25	december	december	PROPN
ajis02-2579	17	26	2018	2018	NUM
ajis02-2579	17	27	,	,	PUNCT
ajis02-2579	17	28	representing	represent	VERB
ajis02-2579	17	29	45.6	45.6	NUM
ajis02-2579	17	30	%	%	NOUN
ajis02-2579	17	31	of	of	ADP
ajis02-2579	17	32	the	the	DET
ajis02-2579	17	33	global	global	ADJ
ajis02-2579	17	34	figures	figure	NOUN
ajis02-2579	17	35	.	.	PUNCT
ajis02-2579	18	1	further	far	ADV
ajis02-2579	18	2	,	,	PUNCT
ajis02-2579	18	3	out	out	ADP
ajis02-2579	18	4	of	of	ADP
ajis02-2579	18	5	the	the	DET
ajis02-2579	18	6	395.7	395.7	NUM
ajis02-2579	18	7	million	million	NUM
ajis02-2579	18	8	registered	register	VERB
ajis02-2579	18	9	mobile	mobile	ADJ
ajis02-2579	18	10	money	money	NOUN
ajis02-2579	18	11	accounts	account	NOUN
ajis02-2579	18	12	,	,	PUNCT
ajis02-2579	18	13	145.8	145.8	NUM
ajis02-2579	18	14	million	million	NUM
ajis02-2579	18	15	are	be	AUX
ajis02-2579	18	16	active	active	ADJ
ajis02-2579	18	17	users	user	NOUN
ajis02-2579	18	18	.	.	PUNCT
ajis02-2579	19	1	what	what	PRON
ajis02-2579	19	2	accounts	account	VERB
ajis02-2579	19	3	for	for	ADP
ajis02-2579	19	4	this	this	DET
ajis02-2579	19	5	fall	fall	NOUN
ajis02-2579	19	6	in	in	ADP
ajis02-2579	19	7	active	active	ADJ
ajis02-2579	19	8	usage	usage	NOUN
ajis02-2579	19	9	?	?	PUNCT
ajis02-2579	20	1	although	although	SCONJ
ajis02-2579	20	2	competition	competition	NOUN
ajis02-2579	20	3	among	among	ADP
ajis02-2579	20	4	providers	provider	NOUN
ajis02-2579	20	5	is	be	AUX
ajis02-2579	20	6	intense	intense	ADJ
ajis02-2579	20	7	(	(	PUNCT
ajis02-2579	20	8	okeleke	okeleke	NOUN
ajis02-2579	20	9	,	,	PUNCT
ajis02-2579	20	10	rogers	roger	NOUN
ajis02-2579	20	11	,	,	PUNCT
ajis02-2579	20	12	and	and	CCONJ
ajis02-2579	20	13	pedros	pedro	NOUN
ajis02-2579	20	14	,	,	PUNCT
ajis02-2579	20	15	2017	2017	NUM
ajis02-2579	20	16	;	;	PUNCT
ajis02-2579	20	17	gsma	gsma	NOUN
ajis02-2579	20	18	,	,	PUNCT
ajis02-2579	20	19	2016	2016	NUM
ajis02-2579	20	20	)	)	PUNCT
ajis02-2579	20	21	,	,	PUNCT
ajis02-2579	20	22	and	and	CCONJ
ajis02-2579	20	23	service	service	NOUN
ajis02-2579	20	24	provisions	provision	NOUN
ajis02-2579	20	25	are	be	AUX
ajis02-2579	20	26	almost	almost	ADV
ajis02-2579	20	27	homogenous	homogenous	ADJ
ajis02-2579	20	28	,	,	PUNCT
ajis02-2579	20	29	mobile	mobile	ADJ
ajis02-2579	20	30	money	money	NOUN
ajis02-2579	20	31	providers	provider	NOUN
ajis02-2579	20	32	need	need	VERB
ajis02-2579	20	33	to	to	PART
ajis02-2579	20	34	retain	retain	VERB
ajis02-2579	20	35	users	user	NOUN
ajis02-2579	20	36	in	in	ADP
ajis02-2579	20	37	order	order	NOUN
ajis02-2579	20	38	to	to	PART
ajis02-2579	20	39	achieve	achieve	VERB
ajis02-2579	20	40	a	a	DET
ajis02-2579	20	41	competitive	competitive	ADJ
ajis02-2579	20	42	advantage	advantage	NOUN
ajis02-2579	20	43	.	.	PUNCT
ajis02-2579	21	1	the	the	DET
ajis02-2579	21	2	costs	cost	NOUN
ajis02-2579	21	3	of	of	ADP
ajis02-2579	21	4	switching	switch	VERB
ajis02-2579	21	5	from	from	ADP
ajis02-2579	21	6	one	one	NUM
ajis02-2579	21	7	provider	provider	NOUN
ajis02-2579	21	8	to	to	ADP
ajis02-2579	21	9	another	another	PRON
ajis02-2579	21	10	are	be	AUX
ajis02-2579	21	11	also	also	ADV
ajis02-2579	21	12	relatively	relatively	ADV
ajis02-2579	21	13	low	low	ADJ
ajis02-2579	21	14	for	for	ADP
ajis02-2579	21	15	customers	customer	NOUN
ajis02-2579	21	16	which	which	PRON
ajis02-2579	21	17	means	mean	VERB
ajis02-2579	21	18	that	that	SCONJ
ajis02-2579	21	19	active	active	ADJ
ajis02-2579	21	20	,	,	PUNCT
ajis02-2579	21	21	ongoing	ongoing	ADJ
ajis02-2579	21	22	usage	usage	NOUN
ajis02-2579	21	23	levels	level	NOUN
ajis02-2579	21	24	should	should	AUX
ajis02-2579	21	25	also	also	ADV
ajis02-2579	21	26	remain	remain	VERB
ajis02-2579	21	27	high	high	ADJ
ajis02-2579	21	28	.	.	PUNCT
ajis02-2579	22	1	however	however	ADV
ajis02-2579	22	2	,	,	PUNCT
ajis02-2579	22	3	factors	factor	NOUN
ajis02-2579	22	4	such	such	ADJ
ajis02-2579	22	5	as	as	ADP
ajis02-2579	22	6	the	the	DET
ajis02-2579	22	7	limited	limited	ADJ
ajis02-2579	22	8	availability	availability	NOUN
ajis02-2579	22	9	of	of	ADP
ajis02-2579	22	10	power	power	NOUN
ajis02-2579	22	11	,	,	PUNCT
ajis02-2579	22	12	constraining	constrain	VERB
ajis02-2579	22	13	regulations	regulation	NOUN
ajis02-2579	22	14	,	,	PUNCT
ajis02-2579	22	15	poor	poor	ADJ
ajis02-2579	22	16	infrastructure	infrastructure	NOUN
ajis02-2579	22	17	within	within	ADP
ajis02-2579	22	18	rural	rural	ADJ
ajis02-2579	22	19	dwellings	dwelling	NOUN
ajis02-2579	22	20	,	,	PUNCT
ajis02-2579	22	21	and	and	CCONJ
ajis02-2579	22	22	low	low	ADJ
ajis02-2579	22	23	incomes	income	NOUN
ajis02-2579	22	24	still	still	ADV
ajis02-2579	22	25	remain	remain	VERB
ajis02-2579	22	26	,	,	PUNCT
ajis02-2579	22	27	and	and	CCONJ
ajis02-2579	22	28	these	these	PRON
ajis02-2579	22	29	cut	cut	VERB
ajis02-2579	22	30	across	across	ADP
ajis02-2579	22	31	all	all	DET
ajis02-2579	22	32	provider	provider	NOUN
ajis02-2579	22	33	networks	network	NOUN
ajis02-2579	22	34	.	.	PUNCT
ajis02-2579	23	1	for	for	SCONJ
ajis02-2579	23	2	providers	provider	NOUN
ajis02-2579	23	3	to	to	PART
ajis02-2579	23	4	be	be	AUX
ajis02-2579	23	5	able	able	ADJ
ajis02-2579	23	6	to	to	PART
ajis02-2579	23	7	maintain	maintain	VERB
ajis02-2579	23	8	and	and	CCONJ
ajis02-2579	23	9	retain	retain	VERB
ajis02-2579	23	10	active	active	ADJ
ajis02-2579	23	11	customers	customer	NOUN
ajis02-2579	23	12	in	in	ADP
ajis02-2579	23	13	the	the	DET
ajis02-2579	23	14	mobile	mobile	ADJ
ajis02-2579	23	15	money	money	NOUN
ajis02-2579	23	16	industry	industry	NOUN
ajis02-2579	23	17	,	,	PUNCT
ajis02-2579	23	18	it	it	PRON
ajis02-2579	23	19	is	be	AUX
ajis02-2579	23	20	important	important	ADJ
ajis02-2579	23	21	that	that	SCONJ
ajis02-2579	23	22	they	they	PRON
ajis02-2579	23	23	overcome	overcome	VERB
ajis02-2579	23	24	these	these	DET
ajis02-2579	23	25	structural	structural	ADJ
ajis02-2579	23	26	barriers	barrier	NOUN
ajis02-2579	23	27	.	.	PUNCT
ajis02-2579	24	1	to	to	ADP
ajis02-2579	24	2	date	date	NOUN
ajis02-2579	24	3	,	,	PUNCT
ajis02-2579	24	4	no	no	DET
ajis02-2579	24	5	research	research	NOUN
ajis02-2579	24	6	has	have	AUX
ajis02-2579	24	7	investigated	investigate	VERB
ajis02-2579	24	8	the	the	DET
ajis02-2579	24	9	relationship	relationship	NOUN
ajis02-2579	24	10	between	between	ADP
ajis02-2579	24	11	mobile	mobile	ADJ
ajis02-2579	24	12	money	money	NOUN
ajis02-2579	24	13	adoption	adoption	NOUN
ajis02-2579	24	14	/	/	SYM
ajis02-2579	24	15	retention	retention	NOUN
ajis02-2579	24	16	and	and	CCONJ
ajis02-2579	24	17	the	the	DET
ajis02-2579	24	18	exigencies	exigency	NOUN
ajis02-2579	24	19	of	of	ADP
ajis02-2579	24	20	power	power	NOUN
ajis02-2579	24	21	supply	supply	NOUN
ajis02-2579	24	22	and	and	CCONJ
ajis02-2579	24	23	government	government	NOUN
ajis02-2579	24	24	regulations	regulation	NOUN
ajis02-2579	24	25	.	.	PUNCT
ajis02-2579	25	1	despite	despite	SCONJ
ajis02-2579	25	2	the	the	DET
ajis02-2579	25	3	fact	fact	NOUN
ajis02-2579	25	4	that	that	SCONJ
ajis02-2579	25	5	consumers	consumer	NOUN
ajis02-2579	25	6	’	’	PART
ajis02-2579	25	7	initial	initial	ADJ
ajis02-2579	25	8	adoption	adoption	NOUN
ajis02-2579	25	9	of	of	ADP
ajis02-2579	25	10	mobile	mobile	ADJ
ajis02-2579	25	11	money	money	NOUN
ajis02-2579	25	12	is	be	AUX
ajis02-2579	25	13	an	an	DET
ajis02-2579	25	14	important	important	ADJ
ajis02-2579	25	15	first	first	ADJ
ajis02-2579	25	16	step	step	NOUN
ajis02-2579	25	17	towards	towards	ADP
ajis02-2579	25	18	successful	successful	ADJ
ajis02-2579	25	19	financial	financial	ADJ
ajis02-2579	25	20	inclusion	inclusion	NOUN
ajis02-2579	25	21	(	(	PUNCT
ajis02-2579	25	22	the	the	DET
ajis02-2579	25	23	inception	inception	NOUN
ajis02-2579	25	24	of	of	ADP
ajis02-2579	25	25	the	the	DET
ajis02-2579	25	26	kenyan	kenyan	PROPN
ajis02-2579	25	27	m	m	PROPN
ajis02-2579	25	28	-	-	PROPN
ajis02-2579	25	29	pesa	pesa	NOUN
ajis02-2579	25	30	in	in	ADP
ajis02-2579	25	31	2007	2007	NUM
ajis02-2579	25	32	provides	provide	VERB
ajis02-2579	25	33	assurance	assurance	NOUN
ajis02-2579	25	34	that	that	SCONJ
ajis02-2579	25	35	consumers	consumer	NOUN
ajis02-2579	25	36	are	be	AUX
ajis02-2579	25	37	willing	willing	ADJ
ajis02-2579	25	38	to	to	PART
ajis02-2579	25	39	engage	engage	VERB
ajis02-2579	25	40	)	)	PUNCT
ajis02-2579	25	41	,	,	PUNCT
ajis02-2579	25	42	many	many	ADJ
ajis02-2579	25	43	scholars	scholar	NOUN
ajis02-2579	25	44	note	note	VERB
ajis02-2579	25	45	that	that	SCONJ
ajis02-2579	25	46	the	the	DET
ajis02-2579	25	47	long	long	ADJ
ajis02-2579	25	48	-	-	PUNCT
ajis02-2579	25	49	term	term	NOUN
ajis02-2579	25	50	viability	viability	NOUN
ajis02-2579	25	51	of	of	ADP
ajis02-2579	25	52	the	the	DET
ajis02-2579	25	53	use	use	NOUN
ajis02-2579	25	54	of	of	ADP
ajis02-2579	25	55	information	information	NOUN
ajis02-2579	25	56	technology	technology	NOUN
ajis02-2579	25	57	for	for	ADP
ajis02-2579	25	58	financial	financial	ADJ
ajis02-2579	25	59	inclusion	inclusion	NOUN
ajis02-2579	25	60	and	and	CCONJ
ajis02-2579	25	61	its	its	PRON
ajis02-2579	25	62	eventual	eventual	ADJ
ajis02-2579	25	63	success	success	NOUN
ajis02-2579	25	64	depends	depend	VERB
ajis02-2579	25	65	on	on	ADP
ajis02-2579	25	66	its	its	PRON
ajis02-2579	25	67	continued	continue	VERB
ajis02-2579	25	68	use	use	NOUN
ajis02-2579	25	69	rather	rather	ADV
ajis02-2579	25	70	than	than	ADP
ajis02-2579	25	71	its	its	PRON
ajis02-2579	25	72	initial	initial	ADJ
ajis02-2579	25	73	adoption	adoption	NOUN
ajis02-2579	25	74	(	(	PUNCT
ajis02-2579	25	75	zheng	zheng	PROPN
ajis02-2579	25	76	,	,	PUNCT
ajis02-2579	25	77	zhao	zhao	PROPN
ajis02-2579	25	78	,	,	PUNCT
ajis02-2579	25	79	&	&	CCONJ
ajis02-2579	25	80	stylianou	stylianou	PROPN
ajis02-2579	25	81	,	,	PUNCT
ajis02-2579	25	82	2013	2013	NUM
ajis02-2579	25	83	,	,	PUNCT
ajis02-2579	25	84	bhattacherjee	bhattacherjee	NOUN
ajis02-2579	25	85	,	,	PUNCT
ajis02-2579	25	86	2001	2001	NUM
ajis02-2579	25	87	)	)	PUNCT
ajis02-2579	25	88	.	.	PUNCT
ajis02-2579	26	1	this	this	PRON
ajis02-2579	26	2	is	be	AUX
ajis02-2579	26	3	especially	especially	ADV
ajis02-2579	26	4	critical	critical	ADJ
ajis02-2579	26	5	with	with	ADP
ajis02-2579	26	6	regard	regard	NOUN
ajis02-2579	26	7	to	to	ADP
ajis02-2579	26	8	the	the	DET
ajis02-2579	26	9	success	success	NOUN
ajis02-2579	26	10	of	of	ADP
ajis02-2579	26	11	mobile	mobile	ADJ
ajis02-2579	26	12	money	money	NOUN
ajis02-2579	26	13	(	(	PUNCT
ajis02-2579	26	14	san	san	PROPN
ajis02-2579	26	15	-	-	PUNCT
ajis02-2579	26	16	martin	martin	PROPN
ajis02-2579	26	17	and	and	CCONJ
ajis02-2579	26	18	lópez	lópez	NOUN
ajis02-2579	26	19	-	-	PUNCT
ajis02-2579	26	20	catalán	catalán	NOUN
ajis02-2579	26	21	,	,	PUNCT
ajis02-2579	26	22	2013	2013	NUM
ajis02-2579	26	23	,	,	PUNCT
ajis02-2579	26	24	hung	hung	PROPN
ajis02-2579	26	25	,	,	PUNCT
ajis02-2579	26	26	yang	yang	PROPN
ajis02-2579	26	27	,	,	PUNCT
ajis02-2579	26	28	and	and	CCONJ
ajis02-2579	26	29	hsieh	hsieh	PROPN
ajis02-2579	26	30	,	,	PUNCT
ajis02-2579	26	31	2012	2012	NUM
ajis02-2579	26	32	)	)	PUNCT
ajis02-2579	26	33	.	.	PUNCT
ajis02-2579	27	1	however	however	ADV
ajis02-2579	27	2	,	,	PUNCT
ajis02-2579	27	3	the	the	DET
ajis02-2579	27	4	ongoing	ongoing	ADJ
ajis02-2579	27	5	use	use	NOUN
ajis02-2579	27	6	of	of	ADP
ajis02-2579	27	7	mobile	mobile	ADJ
ajis02-2579	27	8	money	money	NOUN
ajis02-2579	27	9	has	have	AUX
ajis02-2579	27	10	garnered	garner	VERB
ajis02-2579	27	11	little	little	ADJ
ajis02-2579	27	12	research	research	NOUN
ajis02-2579	27	13	attention	attention	NOUN
ajis02-2579	27	14	to	to	ADP
ajis02-2579	27	15	date	date	NOUN
ajis02-2579	27	16	.	.	PUNCT
ajis02-2579	28	1	the	the	DET
ajis02-2579	28	2	question	question	NOUN
ajis02-2579	28	3	that	that	PRON
ajis02-2579	28	4	emerges	emerge	VERB
ajis02-2579	28	5	is	be	AUX
ajis02-2579	28	6	this	this	PRON
ajis02-2579	28	7	:	:	PUNCT
ajis02-2579	28	8	“	"	PUNCT
ajis02-2579	28	9	are	be	AUX
ajis02-2579	28	10	consumers	consumer	NOUN
ajis02-2579	28	11	in	in	ADP
ajis02-2579	28	12	africa	africa	PROPN
ajis02-2579	28	13	able	able	ADJ
ajis02-2579	28	14	to	to	PART
ajis02-2579	28	15	continue	continue	VERB
ajis02-2579	28	16	using	use	VERB
ajis02-2579	28	17	mobile	mobile	ADJ
ajis02-2579	28	18	money	money	NOUN
ajis02-2579	28	19	beyond	beyond	ADP
ajis02-2579	28	20	the	the	DET
ajis02-2579	28	21	initial	initial	ADJ
ajis02-2579	28	22	stage	stage	NOUN
ajis02-2579	28	23	of	of	ADP
ajis02-2579	28	24	adoption	adoption	NOUN
ajis02-2579	28	25	or	or	CCONJ
ajis02-2579	28	26	do	do	AUX
ajis02-2579	28	27	current	current	ADJ
ajis02-2579	28	28	structural	structural	ADJ
ajis02-2579	28	29	bottlenecks	bottleneck	NOUN
ajis02-2579	28	30	preclude	preclude	VERB
ajis02-2579	28	31	their	their	PRON
ajis02-2579	28	32	ongoing	ongoing	ADJ
ajis02-2579	28	33	usage?”1	usage?”1	NOUN
ajis02-2579	28	34	this	this	DET
ajis02-2579	28	35	study	study	NOUN
ajis02-2579	28	36	contributes	contribute	VERB
ajis02-2579	28	37	to	to	ADP
ajis02-2579	28	38	the	the	DET
ajis02-2579	28	39	literature	literature	NOUN
ajis02-2579	28	40	by	by	ADP
ajis02-2579	28	41	providing	provide	VERB
ajis02-2579	28	42	empirical	empirical	ADJ
ajis02-2579	28	43	evidence	evidence	NOUN
ajis02-2579	28	44	on	on	ADP
ajis02-2579	28	45	critical	critical	ADJ
ajis02-2579	28	46	contextbased	contextbase	VERB
ajis02-2579	28	47	factors	factor	NOUN
ajis02-2579	28	48	(	(	PUNCT
ajis02-2579	28	49	modelled	model	VERB
ajis02-2579	28	50	using	use	VERB
ajis02-2579	28	51	tam	tam	PROPN
ajis02-2579	28	52	)	)	PUNCT
ajis02-2579	28	53	that	that	PRON
ajis02-2579	28	54	leads	lead	VERB
ajis02-2579	28	55	to	to	ADP
ajis02-2579	28	56	long	long	ADJ
ajis02-2579	28	57	-	-	PUNCT
ajis02-2579	28	58	term	term	NOUN
ajis02-2579	28	59	ongoing	ongoing	ADJ
ajis02-2579	28	60	usage	usage	NOUN
ajis02-2579	28	61	of	of	ADP
ajis02-2579	28	62	mobile	mobile	ADJ
ajis02-2579	28	63	money	money	NOUN
ajis02-2579	28	64	in	in	ADP
ajis02-2579	28	65	rural	rural	ADJ
ajis02-2579	28	66	africa	africa	PROPN
ajis02-2579	28	67	.	.	PUNCT
ajis02-2579	29	1	given	give	VERB
ajis02-2579	29	2	the	the	DET
ajis02-2579	29	3	high	high	ADJ
ajis02-2579	29	4	practical	practical	ADJ
ajis02-2579	29	5	relevance	relevance	NOUN
ajis02-2579	29	6	of	of	ADP
ajis02-2579	29	7	prior	prior	ADJ
ajis02-2579	29	8	empirical	empirical	ADJ
ajis02-2579	29	9	work	work	NOUN
ajis02-2579	29	10	(	(	PUNCT
ajis02-2579	29	11	schierz	schierz	INTJ
ajis02-2579	29	12	,	,	PUNCT
ajis02-2579	29	13	schilke	schilke	NOUN
ajis02-2579	29	14	,	,	PUNCT
ajis02-2579	29	15	and	and	CCONJ
ajis02-2579	29	16	wirtz	wirtz	PROPN
ajis02-2579	29	17	,	,	PUNCT
ajis02-2579	29	18	2010	2010	NUM
ajis02-2579	29	19	)	)	PUNCT
ajis02-2579	29	20	,	,	PUNCT
ajis02-2579	29	21	this	this	DET
ajis02-2579	29	22	research	research	NOUN
ajis02-2579	29	23	develops	develop	VERB
ajis02-2579	29	24	and	and	CCONJ
ajis02-2579	29	25	tests	test	VERB
ajis02-2579	29	26	an	an	DET
ajis02-2579	29	27	integrative	integrative	ADJ
ajis02-2579	29	28	model	model	NOUN
ajis02-2579	29	29	of	of	ADP
ajis02-2579	29	30	factors	factor	NOUN
ajis02-2579	29	31	determining	determine	VERB
ajis02-2579	29	32	consumers	consumer	NOUN
ajis02-2579	29	33	’	’	PART
ajis02-2579	29	34	adoption	adoption	NOUN
ajis02-2579	29	35	and	and	CCONJ
ajis02-2579	29	36	use	use	NOUN
ajis02-2579	29	37	of	of	ADP
ajis02-2579	29	38	mobile	mobile	ADJ
ajis02-2579	29	39	money	money	NOUN
ajis02-2579	29	40	services	service	NOUN
ajis02-2579	29	41	.	.	PUNCT
ajis02-2579	30	1	service	service	NOUN
ajis02-2579	30	2	pricing	pricing	NOUN
ajis02-2579	30	3	,	,	PUNCT
ajis02-2579	30	4	the	the	DET
ajis02-2579	30	5	supply	supply	NOUN
ajis02-2579	30	6	of	of	ADP
ajis02-2579	30	7	electricity	electricity	NOUN
ajis02-2579	30	8	for	for	ADP
ajis02-2579	30	9	mobile	mobile	ADJ
ajis02-2579	30	10	phone	phone	NOUN
ajis02-2579	30	11	functionality	functionality	NOUN
ajis02-2579	30	12	,	,	PUNCT
ajis02-2579	30	13	mobile	mobile	ADJ
ajis02-2579	30	14	network	network	NOUN
ajis02-2579	30	15	infrastructure	infrastructure	NOUN
ajis02-2579	30	16	development	development	NOUN
ajis02-2579	30	17	,	,	PUNCT
ajis02-2579	30	18	government	government	NOUN
ajis02-2579	30	19	regulations	regulation	NOUN
ajis02-2579	30	20	,	,	PUNCT
ajis02-2579	30	21	and	and	CCONJ
ajis02-2579	30	22	income	income	NOUN
ajis02-2579	30	23	disparities	disparity	NOUN
ajis02-2579	30	24	are	be	AUX
ajis02-2579	30	25	all	all	PRON
ajis02-2579	30	26	key	key	ADJ
ajis02-2579	30	27	determinants	determinant	NOUN
ajis02-2579	30	28	of	of	ADP
ajis02-2579	30	29	ongoing	ongoing	ADJ
ajis02-2579	30	30	usage	usage	NOUN
ajis02-2579	30	31	by	by	ADP
ajis02-2579	30	32	consumers	consumer	NOUN
ajis02-2579	30	33	.	.	PUNCT
ajis02-2579	31	1	presumably	presumably	ADV
ajis02-2579	31	2	,	,	PUNCT
ajis02-2579	31	3	if	if	SCONJ
ajis02-2579	31	4	ongoing	ongoing	ADJ
ajis02-2579	31	5	use	use	NOUN
ajis02-2579	31	6	of	of	ADP
ajis02-2579	31	7	mobile	mobile	ADJ
ajis02-2579	31	8	money	money	NOUN
ajis02-2579	31	9	proves	prove	VERB
ajis02-2579	31	10	to	to	PART
ajis02-2579	31	11	be	be	AUX
ajis02-2579	31	12	less	less	ADV
ajis02-2579	31	13	costly	costly	ADJ
ajis02-2579	31	14	for	for	ADP
ajis02-2579	31	15	consumers	consumer	NOUN
ajis02-2579	31	16	1	1	NUM
ajis02-2579	31	17	empirical	empirical	ADJ
ajis02-2579	31	18	evidence	evidence	NOUN
ajis02-2579	31	19	of	of	ADP
ajis02-2579	31	20	poor	poor	ADJ
ajis02-2579	31	21	uptake	uptake	NOUN
ajis02-2579	31	22	and	and	CCONJ
ajis02-2579	31	23	minimal	minimal	ADJ
ajis02-2579	31	24	levels	level	NOUN
ajis02-2579	31	25	of	of	ADP
ajis02-2579	31	26	continuous	continuous	ADJ
ajis02-2579	31	27	use	use	NOUN
ajis02-2579	31	28	of	of	ADP
ajis02-2579	31	29	bank	bank	NOUN
ajis02-2579	31	30	accounts	account	NOUN
ajis02-2579	31	31	in	in	ADP
ajis02-2579	31	32	randomised	randomised	ADJ
ajis02-2579	31	33	control	control	NOUN
ajis02-2579	31	34	trials	trial	NOUN
ajis02-2579	31	35	(	(	PUNCT
ajis02-2579	31	36	rcts	rct	NOUN
ajis02-2579	31	37	)	)	PUNCT
ajis02-2579	31	38	highlight	highlight	VERB
ajis02-2579	31	39	the	the	DET
ajis02-2579	31	40	problems	problem	NOUN
ajis02-2579	31	41	that	that	PRON
ajis02-2579	31	42	arise	arise	VERB
ajis02-2579	31	43	if	if	SCONJ
ajis02-2579	31	44	context	context	NOUN
ajis02-2579	31	45	-	-	PUNCT
ajis02-2579	31	46	based	base	VERB
ajis02-2579	31	47	factors	factor	NOUN
ajis02-2579	31	48	are	be	AUX
ajis02-2579	31	49	not	not	PART
ajis02-2579	31	50	addressed	address	VERB
ajis02-2579	31	51	before	before	ADP
ajis02-2579	31	52	interventions	intervention	NOUN
ajis02-2579	31	53	and	and	CCONJ
ajis02-2579	31	54	innovations	innovation	NOUN
ajis02-2579	31	55	are	be	AUX
ajis02-2579	31	56	rolled	roll	VERB
ajis02-2579	31	57	out	out	ADP
ajis02-2579	31	58	.	.	PUNCT
ajis02-2579	32	1	more	more	ADJ
ajis02-2579	32	2	details	detail	NOUN
ajis02-2579	32	3	can	can	AUX
ajis02-2579	32	4	be	be	AUX
ajis02-2579	32	5	found	find	VERB
ajis02-2579	32	6	in	in	ADP
ajis02-2579	32	7	dupas	dupas	NOUN
ajis02-2579	32	8	et	et	PROPN
ajis02-2579	32	9	al	al	PROPN
ajis02-2579	32	10	.	.	PROPN
ajis02-2579	32	11	,	,	PUNCT
ajis02-2579	32	12	(	(	PUNCT
ajis02-2579	32	13	2012	2012	NUM
ajis02-2579	32	14	)	)	PUNCT
ajis02-2579	32	15	and	and	CCONJ
ajis02-2579	32	16	karlan	karlan	NOUN
ajis02-2579	32	17	,	,	PUNCT
ajis02-2579	32	18	ratan	ratan	PROPN
ajis02-2579	32	19	,	,	PUNCT
ajis02-2579	32	20	and	and	CCONJ
ajis02-2579	32	21	zinman	zinman	NOUN
ajis02-2579	32	22	(	(	PUNCT
ajis02-2579	32	23	2014	2014	NUM
ajis02-2579	32	24	)	)	PUNCT
ajis02-2579	32	25	.	.	PUNCT
ajis02-2579	33	1	australasian	australasian	ADJ
ajis02-2579	33	2	journal	journal	NOUN
ajis02-2579	33	3	of	of	ADP
ajis02-2579	33	4	information	information	NOUN
ajis02-2579	33	5	systems	system	NOUN
ajis02-2579	33	6	alhassan	alhassan	PROPN
ajis02-2579	33	7	,	,	PUNCT
ajis02-2579	33	8	li	li	PROPN
ajis02-2579	33	9	,	,	PUNCT
ajis02-2579	33	10	reddy	reddy	PROPN
ajis02-2579	33	11	&	&	CCONJ
ajis02-2579	33	12	duppati	duppati	PROPN
ajis02-2579	33	13	2020	2020	NUM
ajis02-2579	33	14	,	,	PUNCT
ajis02-2579	33	15	vol	vol	NOUN
ajis02-2579	33	16	24	24	NUM
ajis02-2579	33	17	,	,	PUNCT
ajis02-2579	33	18	research	research	NOUN
ajis02-2579	33	19	article	article	NOUN
ajis02-2579	33	20	consumer	consumer	NOUN
ajis02-2579	33	21	acceptance	acceptance	NOUN
ajis02-2579	33	22	and	and	CCONJ
ajis02-2579	33	23	continuance	continuance	NOUN
ajis02-2579	33	24	of	of	ADP
ajis02-2579	33	25	mobile	mobile	ADJ
ajis02-2579	33	26	money	money	NOUN
ajis02-2579	33	27	3	3	NUM
ajis02-2579	33	28	than	than	ADP
ajis02-2579	33	29	traditional	traditional	ADJ
ajis02-2579	33	30	alternatives	alternative	NOUN
ajis02-2579	33	31	-for	-for	ADP
ajis02-2579	33	32	example	example	NOUN
ajis02-2579	33	33	,	,	PUNCT
ajis02-2579	33	34	money	money	NOUN
ajis02-2579	33	35	transfer	transfer	NOUN
ajis02-2579	33	36	through	through	ADP
ajis02-2579	33	37	banks	bank	NOUN
ajis02-2579	33	38	and	and	CCONJ
ajis02-2579	33	39	informal	informal	ADJ
ajis02-2579	33	40	mechanisms	mechanism	NOUN
ajis02-2579	33	41	using	use	VERB
ajis02-2579	33	42	bus	bus	NOUN
ajis02-2579	33	43	drivers	driver	NOUN
ajis02-2579	33	44	as	as	SCONJ
ajis02-2579	33	45	middlemen	middleman	NOUN
ajis02-2579	33	46	-there	-there	ADJ
ajis02-2579	33	47	will	will	AUX
ajis02-2579	33	48	be	be	AUX
ajis02-2579	33	49	greater	great	ADJ
ajis02-2579	33	50	consumer	consumer	NOUN
ajis02-2579	33	51	acceptance	acceptance	NOUN
ajis02-2579	33	52	of	of	ADP
ajis02-2579	33	53	this	this	DET
ajis02-2579	33	54	innovative	innovative	ADJ
ajis02-2579	33	55	technology	technology	NOUN
ajis02-2579	33	56	in	in	ADP
ajis02-2579	33	57	the	the	DET
ajis02-2579	33	58	long	long	ADJ
ajis02-2579	33	59	run	run	NOUN
ajis02-2579	33	60	(	(	PUNCT
ajis02-2579	33	61	schierz	schierz	NOUN
ajis02-2579	33	62	et	et	PROPN
ajis02-2579	33	63	al	al	PROPN
ajis02-2579	33	64	,	,	PUNCT
ajis02-2579	33	65	2010	2010	NUM
ajis02-2579	33	66	)	)	PUNCT
ajis02-2579	33	67	.	.	PUNCT
ajis02-2579	34	1	our	our	PRON
ajis02-2579	34	2	empirical	empirical	ADJ
ajis02-2579	34	3	results	result	NOUN
ajis02-2579	34	4	show	show	VERB
ajis02-2579	34	5	that	that	SCONJ
ajis02-2579	34	6	the	the	DET
ajis02-2579	34	7	availability	availability	NOUN
ajis02-2579	34	8	of	of	ADP
ajis02-2579	34	9	electricity	electricity	NOUN
ajis02-2579	34	10	is	be	AUX
ajis02-2579	34	11	a	a	DET
ajis02-2579	34	12	significant	significant	ADJ
ajis02-2579	34	13	factor	factor	NOUN
ajis02-2579	34	14	for	for	SCONJ
ajis02-2579	34	15	consumers	consumer	NOUN
ajis02-2579	34	16	initially	initially	ADV
ajis02-2579	34	17	adopting	adopt	VERB
ajis02-2579	34	18	and	and	CCONJ
ajis02-2579	34	19	intending	intend	VERB
ajis02-2579	34	20	to	to	PART
ajis02-2579	34	21	continue	continue	VERB
ajis02-2579	34	22	using	use	VERB
ajis02-2579	34	23	mobile	mobile	ADJ
ajis02-2579	34	24	money	money	NOUN
ajis02-2579	34	25	in	in	ADP
ajis02-2579	34	26	africa	africa	PROPN
ajis02-2579	34	27	.	.	PUNCT
ajis02-2579	34	28	.	.	PUNCT
ajis02-2579	35	1	our	our	PRON
ajis02-2579	35	2	study	study	NOUN
ajis02-2579	35	3	finds	find	VERB
ajis02-2579	35	4	that	that	SCONJ
ajis02-2579	35	5	a	a	DET
ajis02-2579	35	6	second	second	ADJ
ajis02-2579	35	7	significant	significant	ADJ
ajis02-2579	35	8	factor	factor	NOUN
ajis02-2579	35	9	in	in	ADP
ajis02-2579	35	10	facilitating	facilitate	VERB
ajis02-2579	35	11	the	the	DET
ajis02-2579	35	12	adoption	adoption	NOUN
ajis02-2579	35	13	and	and	CCONJ
ajis02-2579	35	14	ongoing	ongoing	ADJ
ajis02-2579	35	15	use	use	NOUN
ajis02-2579	35	16	of	of	ADP
ajis02-2579	35	17	mobile	mobile	ADJ
ajis02-2579	35	18	money	money	NOUN
ajis02-2579	35	19	in	in	ADP
ajis02-2579	35	20	africa	africa	PROPN
ajis02-2579	35	21	is	be	AUX
ajis02-2579	35	22	government	government	NOUN
ajis02-2579	35	23	regulations	regulation	NOUN
ajis02-2579	35	24	that	that	PRON
ajis02-2579	35	25	are	be	AUX
ajis02-2579	35	26	enabling	enable	VERB
ajis02-2579	35	27	.	.	PUNCT
ajis02-2579	36	1	conversely	conversely	ADV
ajis02-2579	36	2	,	,	PUNCT
ajis02-2579	36	3	income	income	NOUN
ajis02-2579	36	4	disparities	disparity	NOUN
ajis02-2579	36	5	appear	appear	VERB
ajis02-2579	36	6	to	to	PART
ajis02-2579	36	7	be	be	AUX
ajis02-2579	36	8	an	an	DET
ajis02-2579	36	9	insignificant	insignificant	ADJ
ajis02-2579	36	10	factor	factor	NOUN
ajis02-2579	36	11	in	in	ADP
ajis02-2579	36	12	this	this	DET
ajis02-2579	36	13	regard.2	regard.2	NOUN
ajis02-2579	36	14	the	the	DET
ajis02-2579	36	15	rest	rest	NOUN
ajis02-2579	36	16	of	of	ADP
ajis02-2579	36	17	this	this	DET
ajis02-2579	36	18	paper	paper	NOUN
ajis02-2579	36	19	is	be	AUX
ajis02-2579	36	20	as	as	SCONJ
ajis02-2579	36	21	follows	follow	VERB
ajis02-2579	36	22	:	:	PUNCT
ajis02-2579	36	23	section	section	NOUN
ajis02-2579	36	24	2	2	NUM
ajis02-2579	36	25	reviews	review	VERB
ajis02-2579	36	26	the	the	DET
ajis02-2579	36	27	relevant	relevant	ADJ
ajis02-2579	36	28	literature	literature	NOUN
ajis02-2579	36	29	and	and	CCONJ
ajis02-2579	36	30	addresses	address	VERB
ajis02-2579	36	31	the	the	DET
ajis02-2579	36	32	theoretical	theoretical	ADJ
ajis02-2579	36	33	perspectives	perspective	NOUN
ajis02-2579	36	34	;	;	PUNCT
ajis02-2579	36	35	section	section	NOUN
ajis02-2579	36	36	3	3	NUM
ajis02-2579	36	37	develops	develop	VERB
ajis02-2579	36	38	the	the	DET
ajis02-2579	36	39	research	research	NOUN
ajis02-2579	36	40	hypotheses	hypothesis	NOUN
ajis02-2579	36	41	;	;	PUNCT
ajis02-2579	36	42	section	section	NOUN
ajis02-2579	36	43	4	4	NUM
ajis02-2579	36	44	describes	describe	VERB
ajis02-2579	36	45	the	the	DET
ajis02-2579	36	46	data	datum	NOUN
ajis02-2579	36	47	,	,	PUNCT
ajis02-2579	36	48	measurement	measurement	NOUN
ajis02-2579	36	49	of	of	ADP
ajis02-2579	36	50	the	the	DET
ajis02-2579	36	51	variables	variable	NOUN
ajis02-2579	36	52	and	and	CCONJ
ajis02-2579	36	53	the	the	DET
ajis02-2579	36	54	research	research	NOUN
ajis02-2579	36	55	method	method	NOUN
ajis02-2579	36	56	;	;	PUNCT
ajis02-2579	36	57	section	section	NOUN
ajis02-2579	36	58	5	5	NUM
ajis02-2579	36	59	presents	present	VERB
ajis02-2579	36	60	the	the	DET
ajis02-2579	36	61	empirical	empirical	ADJ
ajis02-2579	36	62	results	result	NOUN
ajis02-2579	36	63	;	;	PUNCT
ajis02-2579	36	64	section	section	NOUN
ajis02-2579	36	65	6	6	NUM
ajis02-2579	36	66	provides	provide	VERB
ajis02-2579	36	67	a	a	DET
ajis02-2579	36	68	discussion	discussion	NOUN
ajis02-2579	36	69	and	and	CCONJ
ajis02-2579	36	70	addresses	address	NOUN
ajis02-2579	36	71	policy	policy	NOUN
ajis02-2579	36	72	implications	implication	NOUN
ajis02-2579	36	73	;	;	PUNCT
ajis02-2579	36	74	and	and	CCONJ
ajis02-2579	36	75	finally	finally	ADV
ajis02-2579	36	76	,	,	PUNCT
ajis02-2579	36	77	the	the	DET
ajis02-2579	36	78	conclusions	conclusion	NOUN
ajis02-2579	36	79	of	of	ADP
ajis02-2579	36	80	this	this	DET
ajis02-2579	36	81	study	study	NOUN
ajis02-2579	36	82	and	and	CCONJ
ajis02-2579	36	83	future	future	ADJ
ajis02-2579	36	84	research	research	NOUN
ajis02-2579	36	85	directions	direction	NOUN
ajis02-2579	36	86	are	be	AUX
ajis02-2579	36	87	summarized	summarize	VERB
ajis02-2579	36	88	in	in	ADP
ajis02-2579	36	89	section	section	NOUN
ajis02-2579	36	90	7	7	NUM
ajis02-2579	36	91	.	.	SYM
ajis02-2579	36	92	2	2	NUM
ajis02-2579	36	93	theoretical	theoretical	ADJ
ajis02-2579	36	94	perspectives	perspective	NOUN
ajis02-2579	36	95	davis	davis	PROPN
ajis02-2579	36	96	(	(	PUNCT
ajis02-2579	36	97	1985	1985	NUM
ajis02-2579	36	98	)	)	PUNCT
ajis02-2579	36	99	argues	argue	VERB
ajis02-2579	36	100	that	that	SCONJ
ajis02-2579	36	101	a	a	DET
ajis02-2579	36	102	person	person	NOUN
ajis02-2579	36	103	’s	’s	PART
ajis02-2579	36	104	motivation	motivation	NOUN
ajis02-2579	36	105	to	to	PART
ajis02-2579	36	106	adopt	adopt	VERB
ajis02-2579	36	107	a	a	DET
ajis02-2579	36	108	technological	technological	ADJ
ajis02-2579	36	109	system	system	NOUN
ajis02-2579	36	110	can	can	AUX
ajis02-2579	36	111	predict	predict	VERB
ajis02-2579	36	112	how	how	SCONJ
ajis02-2579	36	113	that	that	DET
ajis02-2579	36	114	person	person	NOUN
ajis02-2579	36	115	makes	make	VERB
ajis02-2579	36	116	use	use	NOUN
ajis02-2579	36	117	of	of	ADP
ajis02-2579	36	118	the	the	DET
ajis02-2579	36	119	system	system	NOUN
ajis02-2579	36	120	,	,	PUNCT
ajis02-2579	36	121	which	which	PRON
ajis02-2579	36	122	is	be	AUX
ajis02-2579	36	123	also	also	ADV
ajis02-2579	36	124	directly	directly	ADV
ajis02-2579	36	125	influenced	influence	VERB
ajis02-2579	36	126	by	by	ADP
ajis02-2579	36	127	external	external	ADJ
ajis02-2579	36	128	stimuli	stimulus	NOUN
ajis02-2579	36	129	such	such	ADJ
ajis02-2579	36	130	as	as	ADP
ajis02-2579	36	131	the	the	DET
ajis02-2579	36	132	system	system	NOUN
ajis02-2579	36	133	’s	’s	PART
ajis02-2579	36	134	features	feature	NOUN
ajis02-2579	36	135	and	and	CCONJ
ajis02-2579	36	136	capabilities	capability	NOUN
ajis02-2579	36	137	.	.	PUNCT
ajis02-2579	37	1	he	he	PRON
ajis02-2579	37	2	proposed	propose	VERB
ajis02-2579	37	3	the	the	DET
ajis02-2579	37	4	technology	technology	NOUN
ajis02-2579	37	5	acceptance	acceptance	NOUN
ajis02-2579	37	6	model	model	NOUN
ajis02-2579	37	7	(	(	PUNCT
ajis02-2579	37	8	tam	tam	PROPN
ajis02-2579	37	9	)	)	PUNCT
ajis02-2579	37	10	which	which	PRON
ajis02-2579	37	11	has	have	AUX
ajis02-2579	37	12	been	be	AUX
ajis02-2579	37	13	considered	consider	VERB
ajis02-2579	37	14	the	the	DET
ajis02-2579	37	15	most	most	ADV
ajis02-2579	37	16	influential	influential	ADJ
ajis02-2579	37	17	extension	extension	NOUN
ajis02-2579	37	18	of	of	ADP
ajis02-2579	37	19	the	the	DET
ajis02-2579	37	20	theory	theory	NOUN
ajis02-2579	37	21	of	of	ADP
ajis02-2579	37	22	reasoned	reason	VERB
ajis02-2579	37	23	action	action	NOUN
ajis02-2579	37	24	(	(	PUNCT
ajis02-2579	37	25	tra	tra	NOUN
ajis02-2579	37	26	)	)	PUNCT
ajis02-2579	37	27	and	and	CCONJ
ajis02-2579	37	28	the	the	DET
ajis02-2579	37	29	theory	theory	NOUN
ajis02-2579	37	30	of	of	ADP
ajis02-2579	37	31	planned	plan	VERB
ajis02-2579	37	32	behaviour	behaviour	NOUN
ajis02-2579	37	33	(	(	PUNCT
ajis02-2579	37	34	tpb	tpb	NOUN
ajis02-2579	37	35	)	)	PUNCT
ajis02-2579	37	36	(	(	PUNCT
ajis02-2579	37	37	fishbein	fishbein	ADJ
ajis02-2579	37	38	and	and	CCONJ
ajis02-2579	37	39	ajzen	ajzen	NOUN
ajis02-2579	37	40	,	,	PUNCT
ajis02-2579	37	41	1975	1975	NUM
ajis02-2579	37	42	)	)	PUNCT
ajis02-2579	37	43	.	.	PUNCT
ajis02-2579	38	1	accordingly	accordingly	ADV
ajis02-2579	38	2	,	,	PUNCT
ajis02-2579	38	3	tam	tam	PROPN
ajis02-2579	38	4	has	have	VERB
ajis02-2579	38	5	five	five	NUM
ajis02-2579	38	6	attributes	attribute	NOUN
ajis02-2579	38	7	that	that	PRON
ajis02-2579	38	8	help	help	VERB
ajis02-2579	38	9	to	to	PART
ajis02-2579	38	10	predict	predict	VERB
ajis02-2579	38	11	the	the	DET
ajis02-2579	38	12	acceptance	acceptance	NOUN
ajis02-2579	38	13	of	of	ADP
ajis02-2579	38	14	a	a	DET
ajis02-2579	38	15	system	system	NOUN
ajis02-2579	38	16	by	by	ADP
ajis02-2579	38	17	an	an	DET
ajis02-2579	38	18	individual	individual	NOUN
ajis02-2579	38	19	:	:	PUNCT
ajis02-2579	38	20	perceived	perceive	VERB
ajis02-2579	38	21	usefulness	usefulness	NOUN
ajis02-2579	38	22	,	,	PUNCT
ajis02-2579	38	23	perceived	perceive	VERB
ajis02-2579	38	24	ease	ease	NOUN
ajis02-2579	38	25	of	of	ADP
ajis02-2579	38	26	use	use	NOUN
ajis02-2579	38	27	,	,	PUNCT
ajis02-2579	38	28	attitudes	attitude	NOUN
ajis02-2579	38	29	toward	toward	ADP
ajis02-2579	38	30	use	use	NOUN
ajis02-2579	38	31	,	,	PUNCT
ajis02-2579	38	32	intention	intention	NOUN
ajis02-2579	38	33	to	to	PART
ajis02-2579	38	34	use	use	VERB
ajis02-2579	38	35	,	,	PUNCT
ajis02-2579	38	36	and	and	CCONJ
ajis02-2579	38	37	actual	actual	ADJ
ajis02-2579	38	38	use	use	NOUN
ajis02-2579	38	39	.	.	PUNCT
ajis02-2579	39	1	davis	davis	PROPN
ajis02-2579	39	2	(	(	PUNCT
ajis02-2579	39	3	1989	1989	NUM
ajis02-2579	39	4	)	)	PUNCT
ajis02-2579	39	5	defined	define	VERB
ajis02-2579	39	6	perceived	perceive	VERB
ajis02-2579	39	7	usefulness	usefulness	NOUN
ajis02-2579	39	8	as	as	ADP
ajis02-2579	39	9	“	"	PUNCT
ajis02-2579	39	10	the	the	DET
ajis02-2579	39	11	degree	degree	NOUN
ajis02-2579	39	12	to	to	PART
ajis02-2579	39	13	which	which	PRON
ajis02-2579	39	14	a	a	DET
ajis02-2579	39	15	person	person	NOUN
ajis02-2579	39	16	believes	believe	VERB
ajis02-2579	39	17	that	that	SCONJ
ajis02-2579	39	18	using	use	VERB
ajis02-2579	39	19	a	a	DET
ajis02-2579	39	20	particular	particular	ADJ
ajis02-2579	39	21	system	system	NOUN
ajis02-2579	39	22	would	would	AUX
ajis02-2579	39	23	enhance	enhance	VERB
ajis02-2579	39	24	his	his	PRON
ajis02-2579	39	25	or	or	CCONJ
ajis02-2579	39	26	her	her	PRON
ajis02-2579	39	27	job	job	NOUN
ajis02-2579	39	28	performance	performance	NOUN
ajis02-2579	39	29	”	"	PUNCT
ajis02-2579	39	30	(	(	PUNCT
ajis02-2579	39	31	davis	davis	PROPN
ajis02-2579	39	32	,	,	PUNCT
ajis02-2579	39	33	1989	1989	NUM
ajis02-2579	39	34	p.	p.	NOUN
ajis02-2579	39	35	320	320	NUM
ajis02-2579	39	36	)	)	PUNCT
ajis02-2579	39	37	.	.	PUNCT
ajis02-2579	40	1	perceived	perceive	VERB
ajis02-2579	40	2	ease	ease	NOUN
ajis02-2579	40	3	of	of	ADP
ajis02-2579	40	4	use	use	NOUN
ajis02-2579	40	5	is	be	AUX
ajis02-2579	40	6	defined	define	VERB
ajis02-2579	40	7	as	as	ADP
ajis02-2579	40	8	“	"	PUNCT
ajis02-2579	40	9	the	the	DET
ajis02-2579	40	10	degree	degree	NOUN
ajis02-2579	40	11	to	to	PART
ajis02-2579	40	12	which	which	PRON
ajis02-2579	40	13	a	a	DET
ajis02-2579	40	14	person	person	NOUN
ajis02-2579	40	15	believes	believe	VERB
ajis02-2579	40	16	that	that	SCONJ
ajis02-2579	40	17	using	use	VERB
ajis02-2579	40	18	a	a	DET
ajis02-2579	40	19	particular	particular	ADJ
ajis02-2579	40	20	system	system	NOUN
ajis02-2579	40	21	would	would	AUX
ajis02-2579	40	22	be	be	AUX
ajis02-2579	40	23	free	free	ADJ
ajis02-2579	40	24	of	of	ADP
ajis02-2579	40	25	efforts	effort	NOUN
ajis02-2579	40	26	”	"	PUNCT
ajis02-2579	40	27	(	(	PUNCT
ajis02-2579	40	28	davis	davis	PROPN
ajis02-2579	40	29	,	,	PUNCT
ajis02-2579	40	30	1989	1989	NUM
ajis02-2579	40	31	p.	p.	NOUN
ajis02-2579	40	32	323	323	NUM
ajis02-2579	40	33	)	)	PUNCT
ajis02-2579	40	34	.	.	PUNCT
ajis02-2579	41	1	fishbein	fishbein	PROPN
ajis02-2579	41	2	and	and	CCONJ
ajis02-2579	41	3	ajzen	ajzen	NOUN
ajis02-2579	41	4	(	(	PUNCT
ajis02-2579	41	5	1975	1975	NUM
ajis02-2579	41	6	)	)	PUNCT
ajis02-2579	41	7	argue	argue	VERB
ajis02-2579	41	8	that	that	SCONJ
ajis02-2579	41	9	attitudes	attitude	NOUN
ajis02-2579	41	10	toward	toward	ADP
ajis02-2579	41	11	the	the	DET
ajis02-2579	41	12	use	use	NOUN
ajis02-2579	41	13	of	of	ADP
ajis02-2579	41	14	an	an	DET
ajis02-2579	41	15	information	information	NOUN
ajis02-2579	41	16	system	system	NOUN
ajis02-2579	41	17	is	be	AUX
ajis02-2579	41	18	“	"	PUNCT
ajis02-2579	41	19	the	the	DET
ajis02-2579	41	20	individual	individual	NOUN
ajis02-2579	41	21	’s	’s	PART
ajis02-2579	41	22	positive	positive	ADJ
ajis02-2579	41	23	or	or	CCONJ
ajis02-2579	41	24	negative	negative	ADJ
ajis02-2579	41	25	feelings	feeling	NOUN
ajis02-2579	41	26	or	or	CCONJ
ajis02-2579	41	27	value	value	NOUN
ajis02-2579	41	28	about	about	ADP
ajis02-2579	41	29	performing	perform	VERB
ajis02-2579	41	30	the	the	DET
ajis02-2579	41	31	target	target	NOUN
ajis02-2579	41	32	behaviour	behaviour	NOUN
ajis02-2579	41	33	”	"	PUNCT
ajis02-2579	41	34	(	(	PUNCT
ajis02-2579	41	35	fishbein	fishbein	ADJ
ajis02-2579	41	36	and	and	CCONJ
ajis02-2579	41	37	ajzen	ajzen	NOUN
ajis02-2579	41	38	,	,	PUNCT
ajis02-2579	41	39	1975	1975	NUM
ajis02-2579	41	40	p.216	p.216	VERB
ajis02-2579	41	41	)	)	PUNCT
ajis02-2579	41	42	.	.	PUNCT
ajis02-2579	42	1	the	the	DET
ajis02-2579	42	2	intention	intention	NOUN
ajis02-2579	42	3	to	to	PART
ajis02-2579	42	4	use	use	NOUN
ajis02-2579	42	5	is	be	AUX
ajis02-2579	42	6	described	describe	VERB
ajis02-2579	42	7	as	as	ADP
ajis02-2579	42	8	“	"	PUNCT
ajis02-2579	42	9	the	the	DET
ajis02-2579	42	10	strength	strength	NOUN
ajis02-2579	42	11	of	of	ADP
ajis02-2579	42	12	one	one	NUM
ajis02-2579	42	13	’s	’s	PART
ajis02-2579	42	14	intention	intention	NOUN
ajis02-2579	42	15	to	to	PART
ajis02-2579	42	16	perform	perform	VERB
ajis02-2579	42	17	a	a	DET
ajis02-2579	42	18	specified	specified	ADJ
ajis02-2579	42	19	behaviour	behaviour	NOUN
ajis02-2579	42	20	”	"	PUNCT
ajis02-2579	42	21	(	(	PUNCT
ajis02-2579	42	22	fishbein	fishbein	ADJ
ajis02-2579	42	23	and	and	CCONJ
ajis02-2579	42	24	ajzen	ajzen	NOUN
ajis02-2579	42	25	,	,	PUNCT
ajis02-2579	42	26	1975	1975	NUM
ajis02-2579	42	27	p.288	p.288	NOUN
ajis02-2579	42	28	)	)	PUNCT
ajis02-2579	42	29	.	.	PUNCT
ajis02-2579	43	1	according	accord	VERB
ajis02-2579	43	2	to	to	ADP
ajis02-2579	43	3	bagozzi	bagozzi	ADJ
ajis02-2579	43	4	(	(	PUNCT
ajis02-2579	43	5	2007	2007	NUM
ajis02-2579	43	6	)	)	PUNCT
ajis02-2579	43	7	,	,	PUNCT
ajis02-2579	43	8	the	the	DET
ajis02-2579	43	9	tam	tam	NOUN
ajis02-2579	43	10	model	model	NOUN
ajis02-2579	43	11	is	be	AUX
ajis02-2579	43	12	too	too	ADV
ajis02-2579	43	13	parsimonious	parsimonious	ADJ
ajis02-2579	43	14	and	and	CCONJ
ajis02-2579	43	15	should	should	AUX
ajis02-2579	43	16	be	be	AUX
ajis02-2579	43	17	expanded	expand	VERB
ajis02-2579	43	18	by	by	ADP
ajis02-2579	43	19	factors	factor	NOUN
ajis02-2579	43	20	relevant	relevant	ADJ
ajis02-2579	43	21	to	to	ADP
ajis02-2579	43	22	the	the	DET
ajis02-2579	43	23	specific	specific	ADJ
ajis02-2579	43	24	technology	technology	NOUN
ajis02-2579	43	25	under	under	ADP
ajis02-2579	43	26	investigation	investigation	NOUN
ajis02-2579	43	27	.	.	PUNCT
ajis02-2579	44	1	integrating	integrate	VERB
ajis02-2579	44	2	variables	variable	NOUN
ajis02-2579	44	3	from	from	ADP
ajis02-2579	44	4	related	relate	VERB
ajis02-2579	44	5	theoretical	theoretical	ADJ
ajis02-2579	44	6	perspectives	perspective	NOUN
ajis02-2579	44	7	can	can	AUX
ajis02-2579	44	8	also	also	ADV
ajis02-2579	44	9	provide	provide	VERB
ajis02-2579	44	10	a	a	DET
ajis02-2579	44	11	better	well	ADJ
ajis02-2579	44	12	understanding	understanding	NOUN
ajis02-2579	44	13	of	of	ADP
ajis02-2579	44	14	consumer	consumer	NOUN
ajis02-2579	44	15	acceptance	acceptance	NOUN
ajis02-2579	44	16	(	(	PUNCT
ajis02-2579	44	17	nysveen	nysveen	ADJ
ajis02-2579	44	18	,	,	PUNCT
ajis02-2579	44	19	pedersen	pedersen	NOUN
ajis02-2579	44	20	,	,	PUNCT
ajis02-2579	44	21	and	and	CCONJ
ajis02-2579	44	22	thorbjørnsen	thorbjørnsen	VERB
ajis02-2579	44	23	,	,	PUNCT
ajis02-2579	44	24	2005	2005	NUM
ajis02-2579	44	25	)	)	PUNCT
ajis02-2579	44	26	.	.	PUNCT
ajis02-2579	45	1	thus	thus	ADV
ajis02-2579	45	2	,	,	PUNCT
ajis02-2579	45	3	consistent	consistent	ADJ
ajis02-2579	45	4	with	with	ADP
ajis02-2579	45	5	other	other	ADJ
ajis02-2579	45	6	studies	study	NOUN
ajis02-2579	45	7	(	(	PUNCT
ajis02-2579	45	8	luarn	luarn	NOUN
ajis02-2579	45	9	and	and	CCONJ
ajis02-2579	45	10	lin	lin	PROPN
ajis02-2579	45	11	,	,	PUNCT
ajis02-2579	45	12	2005	2005	NUM
ajis02-2579	45	13	;	;	PUNCT
ajis02-2579	45	14	schierz	schierz	NOUN
ajis02-2579	45	15	,	,	PUNCT
ajis02-2579	45	16	schilke	schilke	NOUN
ajis02-2579	45	17	et	et	PROPN
ajis02-2579	45	18	al	al	PROPN
ajis02-2579	45	19	.	.	PROPN
ajis02-2579	45	20	,	,	PUNCT
ajis02-2579	45	21	2010	2010	NUM
ajis02-2579	45	22	)	)	PUNCT
ajis02-2579	45	23	,	,	PUNCT
ajis02-2579	45	24	we	we	PRON
ajis02-2579	45	25	use	use	VERB
ajis02-2579	45	26	the	the	DET
ajis02-2579	45	27	main	main	ADJ
ajis02-2579	45	28	constructs	construct	NOUN
ajis02-2579	45	29	of	of	ADP
ajis02-2579	45	30	tam	tam	NOUN
ajis02-2579	45	31	as	as	ADP
ajis02-2579	45	32	the	the	DET
ajis02-2579	45	33	foundational	foundational	ADJ
ajis02-2579	45	34	point	point	NOUN
ajis02-2579	45	35	of	of	ADP
ajis02-2579	45	36	our	our	PRON
ajis02-2579	45	37	research	research	NOUN
ajis02-2579	45	38	and	and	CCONJ
ajis02-2579	45	39	extend	extend	VERB
ajis02-2579	45	40	it	it	PRON
ajis02-2579	45	41	with	with	ADP
ajis02-2579	45	42	additional	additional	ADJ
ajis02-2579	45	43	constructs	construct	NOUN
ajis02-2579	45	44	important	important	ADJ
ajis02-2579	45	45	to	to	ADP
ajis02-2579	45	46	mobile	mobile	ADJ
ajis02-2579	45	47	money	money	NOUN
ajis02-2579	45	48	acceptance	acceptance	NOUN
ajis02-2579	45	49	in	in	ADP
ajis02-2579	45	50	the	the	DET
ajis02-2579	45	51	african	african	ADJ
ajis02-2579	45	52	context	context	NOUN
ajis02-2579	45	53	(	(	PUNCT
ajis02-2579	45	54	schierz	schierz	INTJ
ajis02-2579	45	55	,	,	PUNCT
ajis02-2579	45	56	schilke	schilke	NOUN
ajis02-2579	45	57	et	et	PROPN
ajis02-2579	45	58	al	al	PROPN
ajis02-2579	45	59	.	.	PROPN
ajis02-2579	45	60	,	,	PUNCT
ajis02-2579	45	61	2010	2010	NUM
ajis02-2579	45	62	)	)	PUNCT
ajis02-2579	45	63	.	.	PUNCT
ajis02-2579	46	1	2	2	NUM
ajis02-2579	46	2	this	this	PRON
ajis02-2579	46	3	is	be	AUX
ajis02-2579	46	4	true	true	ADJ
ajis02-2579	46	5	when	when	SCONJ
ajis02-2579	46	6	we	we	PRON
ajis02-2579	46	7	reflect	reflect	VERB
ajis02-2579	46	8	on	on	ADP
ajis02-2579	46	9	the	the	DET
ajis02-2579	46	10	number	number	NOUN
ajis02-2579	46	11	of	of	ADP
ajis02-2579	46	12	mobile	mobile	ADJ
ajis02-2579	46	13	phones	phone	NOUN
ajis02-2579	46	14	in	in	ADP
ajis02-2579	46	15	africa	africa	PROPN
ajis02-2579	46	16	that	that	PRON
ajis02-2579	46	17	appear	appear	VERB
ajis02-2579	46	18	to	to	PART
ajis02-2579	46	19	belie	belie	VERB
ajis02-2579	46	20	the	the	DET
ajis02-2579	46	21	poverty	poverty	NOUN
ajis02-2579	46	22	of	of	ADP
ajis02-2579	46	23	african	african	ADJ
ajis02-2579	46	24	people	people	NOUN
ajis02-2579	46	25	.	.	PUNCT
ajis02-2579	47	1	see	see	VERB
ajis02-2579	47	2	aker	aker	NOUN
ajis02-2579	47	3	and	and	CCONJ
ajis02-2579	47	4	mbiti	mbiti	NOUN
ajis02-2579	47	5	(	(	PUNCT
ajis02-2579	47	6	2010	2010	NUM
ajis02-2579	47	7	)	)	PUNCT
ajis02-2579	47	8	for	for	ADP
ajis02-2579	47	9	more	more	ADJ
ajis02-2579	47	10	information	information	NOUN
ajis02-2579	47	11	on	on	ADP
ajis02-2579	47	12	this	this	PRON
ajis02-2579	47	13	.	.	PUNCT
ajis02-2579	48	1	australasian	australasian	ADJ
ajis02-2579	48	2	journal	journal	NOUN
ajis02-2579	48	3	of	of	ADP
ajis02-2579	48	4	information	information	NOUN
ajis02-2579	48	5	systems	system	NOUN
ajis02-2579	48	6	alhassan	alhassan	PROPN
ajis02-2579	48	7	,	,	PUNCT
ajis02-2579	48	8	li	li	PROPN
ajis02-2579	48	9	,	,	PUNCT
ajis02-2579	48	10	reddy	reddy	PROPN
ajis02-2579	48	11	&	&	CCONJ
ajis02-2579	48	12	duppati	duppati	PROPN
ajis02-2579	48	13	2020	2020	NUM
ajis02-2579	48	14	,	,	PUNCT
ajis02-2579	48	15	vol	vol	NOUN
ajis02-2579	48	16	24	24	NUM
ajis02-2579	48	17	,	,	PUNCT
ajis02-2579	48	18	research	research	NOUN
ajis02-2579	48	19	article	article	NOUN
ajis02-2579	48	20	consumer	consumer	NOUN
ajis02-2579	48	21	acceptance	acceptance	NOUN
ajis02-2579	48	22	and	and	CCONJ
ajis02-2579	48	23	continuance	continuance	NOUN
ajis02-2579	48	24	of	of	ADP
ajis02-2579	48	25	mobile	mobile	ADJ
ajis02-2579	48	26	money	money	NOUN
ajis02-2579	48	27	4	4	NUM
ajis02-2579	48	28	3	3	NUM
ajis02-2579	48	29	development	development	NOUN
ajis02-2579	48	30	of	of	ADP
ajis02-2579	48	31	research	research	NOUN
ajis02-2579	48	32	hypotheses	hypothese	VERB
ajis02-2579	48	33	3.1	3.1	NUM
ajis02-2579	48	34	attitudes	attitude	NOUN
ajis02-2579	48	35	to	to	PART
ajis02-2579	48	36	adopt	adopt	VERB
ajis02-2579	48	37	and	and	CCONJ
ajis02-2579	48	38	intentions	intention	NOUN
ajis02-2579	48	39	to	to	PART
ajis02-2579	48	40	keep	keep	VERB
ajis02-2579	48	41	using	use	VERB
ajis02-2579	48	42	mobile	mobile	ADJ
ajis02-2579	48	43	money	money	NOUN
ajis02-2579	48	44	attitude	attitude	NOUN
ajis02-2579	48	45	is	be	AUX
ajis02-2579	48	46	defined	define	VERB
ajis02-2579	48	47	as	as	ADP
ajis02-2579	48	48	the	the	DET
ajis02-2579	48	49	degree	degree	NOUN
ajis02-2579	48	50	to	to	PART
ajis02-2579	48	51	which	which	PRON
ajis02-2579	48	52	using	use	VERB
ajis02-2579	48	53	technology	technology	NOUN
ajis02-2579	48	54	is	be	AUX
ajis02-2579	48	55	positively	positively	ADV
ajis02-2579	48	56	or	or	CCONJ
ajis02-2579	48	57	negatively	negatively	ADV
ajis02-2579	48	58	valued	value	VERB
ajis02-2579	48	59	by	by	ADP
ajis02-2579	48	60	an	an	DET
ajis02-2579	48	61	individual	individual	NOUN
ajis02-2579	48	62	.	.	PUNCT
ajis02-2579	49	1	attitude	attitude	NOUN
ajis02-2579	49	2	in	in	ADP
ajis02-2579	49	3	turn	turn	NOUN
ajis02-2579	49	4	positively	positively	ADV
ajis02-2579	49	5	affects	affect	VERB
ajis02-2579	49	6	consumers	consumer	NOUN
ajis02-2579	49	7	’	’	PART
ajis02-2579	49	8	adoption	adoption	NOUN
ajis02-2579	49	9	of	of	ADP
ajis02-2579	49	10	technology	technology	NOUN
ajis02-2579	49	11	and	and	CCONJ
ajis02-2579	49	12	their	their	PRON
ajis02-2579	49	13	usage	usage	NOUN
ajis02-2579	49	14	intentions	intention	NOUN
ajis02-2579	49	15	(	(	PUNCT
ajis02-2579	49	16	davis	davis	PROPN
ajis02-2579	49	17	,	,	PUNCT
ajis02-2579	49	18	1989	1989	NUM
ajis02-2579	49	19	;	;	PUNCT
ajis02-2579	49	20	davis	davis	PROPN
ajis02-2579	49	21	,	,	PUNCT
ajis02-2579	49	22	bagozzi	bagozzi	NOUN
ajis02-2579	49	23	,	,	PUNCT
ajis02-2579	49	24	&	&	CCONJ
ajis02-2579	49	25	warshaw	warshaw	PROPN
ajis02-2579	49	26	,	,	PUNCT
ajis02-2579	49	27	1989	1989	NUM
ajis02-2579	49	28	)	)	PUNCT
ajis02-2579	49	29	.	.	PUNCT
ajis02-2579	50	1	personal	personal	ADJ
ajis02-2579	50	2	experience	experience	NOUN
ajis02-2579	50	3	plays	play	VERB
ajis02-2579	50	4	a	a	DET
ajis02-2579	50	5	strong	strong	ADJ
ajis02-2579	50	6	role	role	NOUN
ajis02-2579	50	7	in	in	ADP
ajis02-2579	50	8	forming	form	VERB
ajis02-2579	50	9	an	an	DET
ajis02-2579	50	10	individual	individual	NOUN
ajis02-2579	50	11	’s	’s	PART
ajis02-2579	50	12	attitude	attitude	NOUN
ajis02-2579	50	13	and	and	CCONJ
ajis02-2579	50	14	social	social	ADJ
ajis02-2579	50	15	influence	influence	NOUN
ajis02-2579	50	16	is	be	AUX
ajis02-2579	50	17	another	another	DET
ajis02-2579	50	18	important	important	ADJ
ajis02-2579	50	19	determinant	determinant	NOUN
ajis02-2579	50	20	of	of	ADP
ajis02-2579	50	21	consumer	consumer	NOUN
ajis02-2579	50	22	intentions	intention	NOUN
ajis02-2579	50	23	and	and	CCONJ
ajis02-2579	50	24	behaviour	behaviour	NOUN
ajis02-2579	50	25	(	(	PUNCT
ajis02-2579	50	26	venkatesh	venkatesh	PROPN
ajis02-2579	50	27	et	et	PROPN
ajis02-2579	50	28	al	al	PROPN
ajis02-2579	50	29	.	.	PROPN
ajis02-2579	50	30	,	,	PUNCT
ajis02-2579	50	31	2003	2003	NUM
ajis02-2579	50	32	)	)	PUNCT
ajis02-2579	50	33	.	.	PUNCT
ajis02-2579	51	1	in	in	ADP
ajis02-2579	51	2	our	our	PRON
ajis02-2579	51	3	model	model	NOUN
ajis02-2579	51	4	,	,	PUNCT
ajis02-2579	51	5	we	we	PRON
ajis02-2579	51	6	represent	represent	VERB
ajis02-2579	51	7	attitude	attitude	NOUN
ajis02-2579	51	8	by	by	ADP
ajis02-2579	51	9	the	the	DET
ajis02-2579	51	10	percentage	percentage	NOUN
ajis02-2579	51	11	of	of	ADP
ajis02-2579	51	12	subscribers	subscriber	NOUN
ajis02-2579	51	13	per	per	ADP
ajis02-2579	51	14	100	100	NUM
ajis02-2579	51	15	inhabitants	inhabitant	NOUN
ajis02-2579	51	16	of	of	ADP
ajis02-2579	51	17	mobile	mobile	ADJ
ajis02-2579	51	18	money	money	NOUN
ajis02-2579	51	19	users	user	NOUN
ajis02-2579	51	20	.	.	PUNCT
ajis02-2579	52	1	this	this	DET
ajis02-2579	52	2	proxy	proxy	NOUN
ajis02-2579	52	3	is	be	AUX
ajis02-2579	52	4	important	important	ADJ
ajis02-2579	52	5	in	in	ADP
ajis02-2579	52	6	the	the	DET
ajis02-2579	52	7	sense	sense	NOUN
ajis02-2579	52	8	that	that	SCONJ
ajis02-2579	52	9	the	the	DET
ajis02-2579	52	10	percentage	percentage	NOUN
ajis02-2579	52	11	of	of	ADP
ajis02-2579	52	12	people	people	NOUN
ajis02-2579	52	13	who	who	PRON
ajis02-2579	52	14	actually	actually	ADV
ajis02-2579	52	15	subscribe	subscribe	VERB
ajis02-2579	52	16	to	to	ADP
ajis02-2579	52	17	any	any	DET
ajis02-2579	52	18	mobile	mobile	ADJ
ajis02-2579	52	19	company	company	NOUN
ajis02-2579	52	20	will	will	AUX
ajis02-2579	52	21	determine	determine	VERB
ajis02-2579	52	22	their	their	PRON
ajis02-2579	52	23	attitudes	attitude	NOUN
ajis02-2579	52	24	to	to	PART
ajis02-2579	52	25	adopt	adopt	VERB
ajis02-2579	52	26	and	and	CCONJ
ajis02-2579	52	27	use	use	VERB
ajis02-2579	52	28	the	the	DET
ajis02-2579	52	29	system	system	NOUN
ajis02-2579	52	30	.	.	PUNCT
ajis02-2579	53	1	it	it	PRON
ajis02-2579	53	2	represents	represent	VERB
ajis02-2579	53	3	individual	individual	ADJ
ajis02-2579	53	4	willingness	willingness	NOUN
ajis02-2579	53	5	to	to	PART
ajis02-2579	53	6	choose	choose	VERB
ajis02-2579	53	7	and	and	CCONJ
ajis02-2579	53	8	use	use	VERB
ajis02-2579	53	9	mobile	mobile	ADJ
ajis02-2579	53	10	money	money	NOUN
ajis02-2579	53	11	as	as	SCONJ
ajis02-2579	53	12	opposed	oppose	VERB
ajis02-2579	53	13	to	to	ADP
ajis02-2579	53	14	other	other	ADJ
ajis02-2579	53	15	alternatives	alternative	NOUN
ajis02-2579	53	16	(	(	PUNCT
ajis02-2579	53	17	if	if	SCONJ
ajis02-2579	53	18	any	any	PRON
ajis02-2579	53	19	)	)	PUNCT
ajis02-2579	53	20	by	by	ADP
ajis02-2579	53	21	actively	actively	ADV
ajis02-2579	53	22	using	use	VERB
ajis02-2579	53	23	it	it	PRON
ajis02-2579	53	24	on	on	ADP
ajis02-2579	53	25	an	an	DET
ajis02-2579	53	26	ongoing	ongoing	ADJ
ajis02-2579	53	27	basis	basis	NOUN
ajis02-2579	53	28	.	.	PUNCT
ajis02-2579	54	1	gsma	gsma	NOUN
ajis02-2579	54	2	(	(	PUNCT
ajis02-2579	54	3	2019	2019	NUM
ajis02-2579	54	4	)	)	PUNCT
ajis02-2579	54	5	reports	report	VERB
ajis02-2579	54	6	that	that	SCONJ
ajis02-2579	54	7	most	most	ADJ
ajis02-2579	54	8	african	african	ADJ
ajis02-2579	54	9	countries	country	NOUN
ajis02-2579	54	10	'	'	PART
ajis02-2579	54	11	mobile	mobile	ADJ
ajis02-2579	54	12	subscriptions	subscription	NOUN
ajis02-2579	54	13	are	be	AUX
ajis02-2579	54	14	in	in	ADP
ajis02-2579	54	15	the	the	DET
ajis02-2579	54	16	range	range	NOUN
ajis02-2579	54	17	of	of	ADP
ajis02-2579	54	18	120	120	NUM
ajis02-2579	54	19	%	%	NOUN
ajis02-2579	54	20	to	to	PART
ajis02-2579	54	21	189	189	NUM
ajis02-2579	54	22	%	%	NOUN
ajis02-2579	54	23	,	,	PUNCT
ajis02-2579	54	24	which	which	PRON
ajis02-2579	54	25	is	be	AUX
ajis02-2579	54	26	higher	high	ADJ
ajis02-2579	54	27	than	than	ADP
ajis02-2579	54	28	in	in	ADP
ajis02-2579	54	29	some	some	DET
ajis02-2579	54	30	developed	develop	VERB
ajis02-2579	54	31	countries	country	NOUN
ajis02-2579	54	32	.	.	PUNCT
ajis02-2579	55	1	in	in	ADP
ajis02-2579	55	2	line	line	NOUN
ajis02-2579	55	3	with	with	ADP
ajis02-2579	55	4	this	this	PRON
ajis02-2579	55	5	,	,	PUNCT
ajis02-2579	55	6	we	we	PRON
ajis02-2579	55	7	propose	propose	VERB
ajis02-2579	55	8	the	the	DET
ajis02-2579	55	9	following	follow	VERB
ajis02-2579	55	10	hypothesis	hypothesis	NOUN
ajis02-2579	55	11	:	:	PUNCT
ajis02-2579	55	12	h1	h1	NOUN
ajis02-2579	55	13	:	:	PUNCT
ajis02-2579	55	14	there	there	PRON
ajis02-2579	55	15	is	be	VERB
ajis02-2579	55	16	a	a	DET
ajis02-2579	55	17	positive	positive	ADJ
ajis02-2579	55	18	relationship	relationship	NOUN
ajis02-2579	55	19	between	between	ADP
ajis02-2579	55	20	an	an	DET
ajis02-2579	55	21	individual	individual	NOUN
ajis02-2579	55	22	’s	’s	PART
ajis02-2579	55	23	attitude	attitude	NOUN
ajis02-2579	55	24	towards	towards	ADP
ajis02-2579	55	25	adoption	adoption	NOUN
ajis02-2579	55	26	of	of	ADP
ajis02-2579	55	27	mobile	mobile	ADJ
ajis02-2579	55	28	money	money	NOUN
ajis02-2579	55	29	and	and	CCONJ
ajis02-2579	55	30	their	their	PRON
ajis02-2579	55	31	ongoing	ongoing	ADJ
ajis02-2579	55	32	use	use	NOUN
ajis02-2579	55	33	of	of	ADP
ajis02-2579	55	34	it	it	PRON
ajis02-2579	55	35	.	.	PUNCT
ajis02-2579	56	1	3.2	3.2	NUM
ajis02-2579	56	2	perceived	perceive	VERB
ajis02-2579	56	3	usefulness	usefulness	NOUN
ajis02-2579	56	4	,	,	PUNCT
ajis02-2579	56	5	ease	ease	NOUN
ajis02-2579	56	6	of	of	ADP
ajis02-2579	56	7	use	use	NOUN
ajis02-2579	56	8	,	,	PUNCT
ajis02-2579	56	9	and	and	CCONJ
ajis02-2579	56	10	adoption	adoption	NOUN
ajis02-2579	56	11	of	of	ADP
ajis02-2579	56	12	mobile	mobile	ADJ
ajis02-2579	56	13	money	money	NOUN
ajis02-2579	56	14	davis	davis	PROPN
ajis02-2579	56	15	(	(	PUNCT
ajis02-2579	56	16	1989	1989	NUM
ajis02-2579	56	17	)	)	PUNCT
ajis02-2579	56	18	refined	refine	VERB
ajis02-2579	56	19	the	the	DET
ajis02-2579	56	20	tam	tam	NOUN
ajis02-2579	56	21	by	by	ADP
ajis02-2579	56	22	suggesting	suggest	VERB
ajis02-2579	56	23	that	that	SCONJ
ajis02-2579	56	24	a	a	DET
ajis02-2579	56	25	user	user	NOUN
ajis02-2579	56	26	’s	’s	PART
ajis02-2579	56	27	motivation	motivation	NOUN
ajis02-2579	56	28	can	can	AUX
ajis02-2579	56	29	be	be	AUX
ajis02-2579	56	30	explained	explain	VERB
ajis02-2579	56	31	by	by	ADP
ajis02-2579	56	32	three	three	NUM
ajis02-2579	56	33	factors	factor	NOUN
ajis02-2579	56	34	:	:	PUNCT
ajis02-2579	56	35	perceived	perceive	VERB
ajis02-2579	56	36	usefulness	usefulness	NOUN
ajis02-2579	56	37	,	,	PUNCT
ajis02-2579	56	38	perceived	perceive	VERB
ajis02-2579	56	39	ease	ease	NOUN
ajis02-2579	56	40	of	of	ADP
ajis02-2579	56	41	use	use	NOUN
ajis02-2579	56	42	,	,	PUNCT
ajis02-2579	56	43	and	and	CCONJ
ajis02-2579	56	44	attitude	attitude	NOUN
ajis02-2579	56	45	towards	towards	ADP
ajis02-2579	56	46	using	use	VERB
ajis02-2579	56	47	the	the	DET
ajis02-2579	56	48	system	system	NOUN
ajis02-2579	56	49	.	.	PUNCT
ajis02-2579	57	1	the	the	DET
ajis02-2579	57	2	relationship	relationship	NOUN
ajis02-2579	57	3	between	between	ADP
ajis02-2579	57	4	perceived	perceive	VERB
ajis02-2579	57	5	ease	ease	NOUN
ajis02-2579	57	6	of	of	ADP
ajis02-2579	57	7	use	use	NOUN
ajis02-2579	57	8	and	and	CCONJ
ajis02-2579	57	9	perceived	perceive	VERB
ajis02-2579	57	10	usefulness	usefulness	NOUN
ajis02-2579	57	11	and	and	CCONJ
ajis02-2579	57	12	their	their	PRON
ajis02-2579	57	13	effects	effect	NOUN
ajis02-2579	57	14	on	on	ADP
ajis02-2579	57	15	a	a	DET
ajis02-2579	57	16	user	user	NOUN
ajis02-2579	57	17	’s	’s	PART
ajis02-2579	57	18	behaviour	behaviour	NOUN
ajis02-2579	57	19	to	to	PART
ajis02-2579	57	20	adopt	adopt	VERB
ajis02-2579	57	21	and	and	CCONJ
ajis02-2579	57	22	continue	continue	VERB
ajis02-2579	57	23	using	use	VERB
ajis02-2579	57	24	the	the	DET
ajis02-2579	57	25	technology	technology	NOUN
ajis02-2579	57	26	have	have	AUX
ajis02-2579	57	27	been	be	AUX
ajis02-2579	57	28	examined	examine	VERB
ajis02-2579	57	29	in	in	ADP
ajis02-2579	57	30	it	it	PRON
ajis02-2579	57	31	/	/	PUNCT
ajis02-2579	57	32	is	be	AUX
ajis02-2579	57	33	literature	literature	NOUN
ajis02-2579	57	34	(	(	PUNCT
ajis02-2579	57	35	venkatesh	venkatesh	PROPN
ajis02-2579	57	36	&	&	CCONJ
ajis02-2579	57	37	davis	davis	PROPN
ajis02-2579	57	38	,	,	PUNCT
ajis02-2579	57	39	1996	1996	NUM
ajis02-2579	57	40	;	;	PUNCT
ajis02-2579	57	41	horton	horton	PROPN
ajis02-2579	57	42	&	&	CCONJ
ajis02-2579	57	43	lipsitz	lipsitz	PROPN
ajis02-2579	57	44	,	,	PUNCT
ajis02-2579	57	45	2001	2001	NUM
ajis02-2579	57	46	;	;	PUNCT
ajis02-2579	57	47	davis	davis	PROPN
ajis02-2579	57	48	1989	1989	NUM
ajis02-2579	57	49	)	)	PUNCT
ajis02-2579	57	50	.	.	PUNCT
ajis02-2579	58	1	while	while	SCONJ
ajis02-2579	58	2	the	the	DET
ajis02-2579	58	3	above	above	ADJ
ajis02-2579	58	4	studies	study	NOUN
ajis02-2579	58	5	used	use	VERB
ajis02-2579	58	6	tam	tam	NOUN
ajis02-2579	58	7	wholly	wholly	ADV
ajis02-2579	58	8	as	as	ADP
ajis02-2579	58	9	the	the	DET
ajis02-2579	58	10	theoretical	theoretical	ADJ
ajis02-2579	58	11	model	model	NOUN
ajis02-2579	58	12	,	,	PUNCT
ajis02-2579	58	13	others	other	NOUN
ajis02-2579	58	14	have	have	AUX
ajis02-2579	58	15	extended	extend	VERB
ajis02-2579	58	16	the	the	DET
ajis02-2579	58	17	tam	tam	NOUN
ajis02-2579	58	18	by	by	ADP
ajis02-2579	58	19	including	include	VERB
ajis02-2579	58	20	additional	additional	ADJ
ajis02-2579	58	21	constructs	construct	NOUN
ajis02-2579	58	22	.	.	PUNCT
ajis02-2579	59	1	for	for	ADP
ajis02-2579	59	2	instance	instance	NOUN
ajis02-2579	59	3	,	,	PUNCT
ajis02-2579	59	4	lu	lu	PROPN
ajis02-2579	59	5	et	et	PROPN
ajis02-2579	59	6	al	al	PROPN
ajis02-2579	59	7	.	.	PROPN
ajis02-2579	59	8	,	,	PUNCT
ajis02-2579	59	9	(	(	PUNCT
ajis02-2579	59	10	2003	2003	NUM
ajis02-2579	59	11	)	)	PUNCT
ajis02-2579	59	12	extended	extend	VERB
ajis02-2579	59	13	the	the	DET
ajis02-2579	59	14	tam	tam	NOUN
ajis02-2579	59	15	by	by	ADP
ajis02-2579	59	16	studying	study	VERB
ajis02-2579	59	17	mobile	mobile	ADJ
ajis02-2579	59	18	wireless	wireless	NOUN
ajis02-2579	59	19	internet	internet	NOUN
ajis02-2579	59	20	acceptance	acceptance	NOUN
ajis02-2579	59	21	.	.	PUNCT
ajis02-2579	60	1	they	they	PRON
ajis02-2579	60	2	argue	argue	VERB
ajis02-2579	60	3	that	that	SCONJ
ajis02-2579	60	4	individual	individual	ADJ
ajis02-2579	60	5	differences	difference	NOUN
ajis02-2579	60	6	,	,	PUNCT
ajis02-2579	60	7	technological	technological	ADJ
ajis02-2579	60	8	complexities	complexity	NOUN
ajis02-2579	60	9	,	,	PUNCT
ajis02-2579	60	10	facilitating	facilitate	VERB
ajis02-2579	60	11	conditions	condition	NOUN
ajis02-2579	60	12	,	,	PUNCT
ajis02-2579	60	13	social	social	ADJ
ajis02-2579	60	14	influences	influence	NOUN
ajis02-2579	60	15	,	,	PUNCT
ajis02-2579	60	16	and	and	CCONJ
ajis02-2579	60	17	trust	trust	NOUN
ajis02-2579	60	18	in	in	ADP
ajis02-2579	60	19	the	the	DET
ajis02-2579	60	20	wireless	wireless	ADJ
ajis02-2579	60	21	environment	environment	NOUN
ajis02-2579	60	22	have	have	VERB
ajis02-2579	60	23	a	a	DET
ajis02-2579	60	24	positive	positive	ADJ
ajis02-2579	60	25	effect	effect	NOUN
ajis02-2579	60	26	on	on	ADP
ajis02-2579	60	27	long	long	ADJ
ajis02-2579	60	28	-	-	PUNCT
ajis02-2579	60	29	term	term	NOUN
ajis02-2579	60	30	and	and	CCONJ
ajis02-2579	60	31	short	short	ADJ
ajis02-2579	60	32	-	-	PUNCT
ajis02-2579	60	33	term	term	NOUN
ajis02-2579	60	34	perceived	perceive	VERB
ajis02-2579	60	35	usefulness	usefulness	NOUN
ajis02-2579	60	36	and	and	CCONJ
ajis02-2579	60	37	on	on	ADP
ajis02-2579	60	38	perceived	perceive	VERB
ajis02-2579	60	39	ease	ease	NOUN
ajis02-2579	60	40	of	of	ADP
ajis02-2579	60	41	use	use	NOUN
ajis02-2579	60	42	.	.	PUNCT
ajis02-2579	61	1	mao	mao	PROPN
ajis02-2579	61	2	et	et	PROPN
ajis02-2579	62	1	al	al	PROPN
ajis02-2579	62	2	.	.	PROPN
ajis02-2579	62	3	,	,	PUNCT
ajis02-2579	62	4	(	(	PUNCT
ajis02-2579	62	5	2005	2005	NUM
ajis02-2579	62	6	)	)	PUNCT
ajis02-2579	62	7	developed	develop	VERB
ajis02-2579	62	8	a	a	DET
ajis02-2579	62	9	research	research	NOUN
ajis02-2579	62	10	model	model	NOUN
ajis02-2579	62	11	to	to	PART
ajis02-2579	62	12	test	test	VERB
ajis02-2579	62	13	the	the	DET
ajis02-2579	62	14	adoption	adoption	NOUN
ajis02-2579	62	15	of	of	ADP
ajis02-2579	62	16	advanced	advanced	ADJ
ajis02-2579	62	17	mobile	mobile	ADJ
ajis02-2579	62	18	phone	phone	NOUN
ajis02-2579	62	19	services	service	NOUN
ajis02-2579	62	20	(	(	PUNCT
ajis02-2579	62	21	e.g.	e.g.	ADV
ajis02-2579	62	22	mobile	mobile	ADJ
ajis02-2579	62	23	internet	internet	NOUN
ajis02-2579	62	24	access	access	NOUN
ajis02-2579	62	25	,	,	PUNCT
ajis02-2579	62	26	e	e	NOUN
ajis02-2579	62	27	-	-	NOUN
ajis02-2579	62	28	mail	mail	NOUN
ajis02-2579	62	29	,	,	PUNCT
ajis02-2579	62	30	and	and	CCONJ
ajis02-2579	62	31	payments	payment	NOUN
ajis02-2579	62	32	)	)	PUNCT
ajis02-2579	62	33	using	use	VERB
ajis02-2579	62	34	tam	tam	PROPN
ajis02-2579	62	35	.	.	PUNCT
ajis02-2579	63	1	in	in	ADP
ajis02-2579	63	2	addition	addition	NOUN
ajis02-2579	63	3	to	to	ADP
ajis02-2579	63	4	perceived	perceive	VERB
ajis02-2579	63	5	usefulness	usefulness	NOUN
ajis02-2579	63	6	and	and	CCONJ
ajis02-2579	63	7	perceived	perceive	VERB
ajis02-2579	63	8	ease	ease	NOUN
ajis02-2579	63	9	of	of	ADP
ajis02-2579	63	10	use	use	NOUN
ajis02-2579	63	11	,	,	PUNCT
ajis02-2579	63	12	they	they	PRON
ajis02-2579	63	13	found	find	VERB
ajis02-2579	63	14	support	support	NOUN
ajis02-2579	63	15	for	for	ADP
ajis02-2579	63	16	variables	variable	NOUN
ajis02-2579	63	17	measuring	measure	VERB
ajis02-2579	63	18	efficacy	efficacy	NOUN
ajis02-2579	63	19	and	and	CCONJ
ajis02-2579	63	20	personal	personal	ADJ
ajis02-2579	63	21	innovativeness	innovativeness	NOUN
ajis02-2579	63	22	.	.	PUNCT
ajis02-2579	64	1	finally	finally	ADV
ajis02-2579	64	2	,	,	PUNCT
ajis02-2579	64	3	kwon	kwon	PROPN
ajis02-2579	64	4	and	and	CCONJ
ajis02-2579	64	5	chidambaram	chidambaram	PROPN
ajis02-2579	64	6	(	(	PUNCT
ajis02-2579	64	7	2000	2000	NUM
ajis02-2579	64	8	)	)	PUNCT
ajis02-2579	64	9	suggested	suggest	VERB
ajis02-2579	64	10	that	that	SCONJ
ajis02-2579	64	11	the	the	DET
ajis02-2579	64	12	adoption	adoption	NOUN
ajis02-2579	64	13	and	and	CCONJ
ajis02-2579	64	14	acceptance	acceptance	NOUN
ajis02-2579	64	15	of	of	ADP
ajis02-2579	64	16	cellular	cellular	ADJ
ajis02-2579	64	17	phones	phone	NOUN
ajis02-2579	64	18	was	be	AUX
ajis02-2579	64	19	influenced	influence	VERB
ajis02-2579	64	20	directly	directly	ADV
ajis02-2579	64	21	and	and	CCONJ
ajis02-2579	64	22	indirectly	indirectly	ADV
ajis02-2579	64	23	by	by	ADP
ajis02-2579	64	24	individual	individual	ADJ
ajis02-2579	64	25	characteristics	characteristic	NOUN
ajis02-2579	64	26	,	,	PUNCT
ajis02-2579	64	27	perceived	perceive	VERB
ajis02-2579	64	28	ease	ease	NOUN
ajis02-2579	64	29	of	of	ADP
ajis02-2579	64	30	use	use	NOUN
ajis02-2579	64	31	,	,	PUNCT
ajis02-2579	64	32	perceived	perceive	VERB
ajis02-2579	64	33	usefulness	usefulness	NOUN
ajis02-2579	64	34	,	,	PUNCT
ajis02-2579	64	35	enjoyment	enjoyment	NOUN
ajis02-2579	64	36	,	,	PUNCT
ajis02-2579	64	37	social	social	ADJ
ajis02-2579	64	38	pressure	pressure	NOUN
ajis02-2579	64	39	,	,	PUNCT
ajis02-2579	64	40	and	and	CCONJ
ajis02-2579	64	41	apprehensiveness	apprehensiveness	NOUN
ajis02-2579	64	42	.	.	PUNCT
ajis02-2579	65	1	based	base	VERB
ajis02-2579	65	2	on	on	ADP
ajis02-2579	65	3	these	these	DET
ajis02-2579	65	4	studies	study	NOUN
ajis02-2579	65	5	,	,	PUNCT
ajis02-2579	65	6	we	we	PRON
ajis02-2579	65	7	propose	propose	VERB
ajis02-2579	65	8	our	our	PRON
ajis02-2579	65	9	generic	generic	ADJ
ajis02-2579	65	10	tam	tam	NOUN
ajis02-2579	65	11	hypotheses	hypothesis	NOUN
ajis02-2579	65	12	as	as	SCONJ
ajis02-2579	65	13	follows	follow	VERB
ajis02-2579	65	14	:	:	PUNCT
ajis02-2579	65	15	h2	h2	NOUN
ajis02-2579	65	16	:	:	PUNCT
ajis02-2579	65	17	there	there	PRON
ajis02-2579	65	18	is	be	VERB
ajis02-2579	65	19	a	a	DET
ajis02-2579	65	20	positive	positive	ADJ
ajis02-2579	65	21	relationship	relationship	NOUN
ajis02-2579	65	22	between	between	ADP
ajis02-2579	65	23	perceived	perceive	VERB
ajis02-2579	65	24	usefulness	usefulness	NOUN
ajis02-2579	65	25	and	and	CCONJ
ajis02-2579	65	26	attitudes	attitude	NOUN
ajis02-2579	65	27	to	to	PART
ajis02-2579	65	28	adopt	adopt	VERB
ajis02-2579	65	29	mobile	mobile	ADJ
ajis02-2579	65	30	money	money	NOUN
ajis02-2579	65	31	.	.	PUNCT
ajis02-2579	66	1	h3	h3	NOUN
ajis02-2579	66	2	:	:	PUNCT
ajis02-2579	66	3	there	there	PRON
ajis02-2579	66	4	is	be	VERB
ajis02-2579	66	5	a	a	DET
ajis02-2579	66	6	positive	positive	ADJ
ajis02-2579	66	7	relationship	relationship	NOUN
ajis02-2579	66	8	between	between	ADP
ajis02-2579	66	9	perceived	perceive	VERB
ajis02-2579	66	10	ease	ease	NOUN
ajis02-2579	66	11	of	of	ADP
ajis02-2579	66	12	use	use	NOUN
ajis02-2579	66	13	and	and	CCONJ
ajis02-2579	66	14	attitudes	attitude	NOUN
ajis02-2579	66	15	to	to	PART
ajis02-2579	66	16	adopt	adopt	VERB
ajis02-2579	66	17	mobile	mobile	ADJ
ajis02-2579	66	18	money	money	NOUN
ajis02-2579	66	19	.	.	PUNCT
ajis02-2579	67	1	3.3	3.3	NUM
ajis02-2579	67	2	effects	effect	NOUN
ajis02-2579	67	3	of	of	ADP
ajis02-2579	67	4	ubiquity	ubiquity	NOUN
ajis02-2579	67	5	/	/	SYM
ajis02-2579	67	6	power	power	NOUN
ajis02-2579	67	7	supply	supply	NOUN
ajis02-2579	67	8	and	and	CCONJ
ajis02-2579	67	9	rural	rural	ADJ
ajis02-2579	67	10	dwelling	dwelling	NOUN
ajis02-2579	67	11	on	on	ADP
ajis02-2579	67	12	perceived	perceive	VERB
ajis02-2579	67	13	ease	ease	NOUN
ajis02-2579	67	14	of	of	ADP
ajis02-2579	67	15	use	use	NOUN
ajis02-2579	67	16	and	and	CCONJ
ajis02-2579	67	17	perceived	perceive	VERB
ajis02-2579	67	18	usefulness	usefulness	NOUN
ajis02-2579	67	19	of	of	ADP
ajis02-2579	67	20	mobile	mobile	ADJ
ajis02-2579	67	21	money	money	NOUN
ajis02-2579	67	22	this	this	DET
ajis02-2579	67	23	study	study	NOUN
ajis02-2579	67	24	suggests	suggest	VERB
ajis02-2579	67	25	that	that	SCONJ
ajis02-2579	67	26	ubiquity	ubiquity	NOUN
ajis02-2579	67	27	of	of	ADP
ajis02-2579	67	28	mobile	mobile	ADJ
ajis02-2579	67	29	phones	phone	NOUN
ajis02-2579	67	30	,	,	PUNCT
ajis02-2579	67	31	the	the	DET
ajis02-2579	67	32	availability	availability	NOUN
ajis02-2579	67	33	of	of	ADP
ajis02-2579	67	34	power	power	NOUN
ajis02-2579	67	35	,	,	PUNCT
ajis02-2579	67	36	and	and	CCONJ
ajis02-2579	67	37	rural	rural	ADJ
ajis02-2579	67	38	dwellings	dwelling	NOUN
ajis02-2579	67	39	have	have	VERB
ajis02-2579	67	40	an	an	DET
ajis02-2579	67	41	influence	influence	NOUN
ajis02-2579	67	42	on	on	ADP
ajis02-2579	67	43	consumer	consumer	NOUN
ajis02-2579	67	44	perceptions	perception	NOUN
ajis02-2579	67	45	of	of	ADP
ajis02-2579	67	46	the	the	DET
ajis02-2579	67	47	usefulness	usefulness	NOUN
ajis02-2579	67	48	and	and	CCONJ
ajis02-2579	67	49	convenience	convenience	NOUN
ajis02-2579	67	50	of	of	ADP
ajis02-2579	67	51	australasian	australasian	ADJ
ajis02-2579	67	52	journal	journal	NOUN
ajis02-2579	67	53	of	of	ADP
ajis02-2579	67	54	information	information	NOUN
ajis02-2579	67	55	systems	system	NOUN
ajis02-2579	67	56	alhassan	alhassan	PROPN
ajis02-2579	67	57	,	,	PUNCT
ajis02-2579	67	58	li	li	PROPN
ajis02-2579	67	59	,	,	PUNCT
ajis02-2579	67	60	reddy	reddy	PROPN
ajis02-2579	67	61	&	&	CCONJ
ajis02-2579	67	62	duppati	duppati	PROPN
ajis02-2579	67	63	2020	2020	NUM
ajis02-2579	67	64	,	,	PUNCT
ajis02-2579	67	65	vol	vol	NOUN
ajis02-2579	67	66	24	24	NUM
ajis02-2579	67	67	,	,	PUNCT
ajis02-2579	67	68	research	research	NOUN
ajis02-2579	67	69	article	article	NOUN
ajis02-2579	67	70	consumer	consumer	NOUN
ajis02-2579	67	71	acceptance	acceptance	NOUN
ajis02-2579	67	72	and	and	CCONJ
ajis02-2579	67	73	continuance	continuance	NOUN
ajis02-2579	67	74	of	of	ADP
ajis02-2579	67	75	mobile	mobile	ADJ
ajis02-2579	67	76	money	money	NOUN
ajis02-2579	67	77	5	5	NUM
ajis02-2579	67	78	mobile	mobile	ADJ
ajis02-2579	67	79	money	money	NOUN
ajis02-2579	67	80	.	.	PUNCT
ajis02-2579	68	1	this	this	PRON
ajis02-2579	68	2	is	be	AUX
ajis02-2579	68	3	in	in	ADP
ajis02-2579	68	4	accordance	accordance	NOUN
ajis02-2579	68	5	with	with	ADP
ajis02-2579	68	6	previous	previous	ADJ
ajis02-2579	68	7	literature	literature	NOUN
ajis02-2579	68	8	which	which	PRON
ajis02-2579	68	9	highlights	highlight	VERB
ajis02-2579	68	10	the	the	DET
ajis02-2579	68	11	importance	importance	NOUN
ajis02-2579	68	12	of	of	ADP
ajis02-2579	68	13	identifying	identify	VERB
ajis02-2579	68	14	antecedents	antecedent	NOUN
ajis02-2579	68	15	of	of	ADP
ajis02-2579	68	16	tam	tam	PROPN
ajis02-2579	68	17	(	(	PUNCT
ajis02-2579	68	18	agarwal	agarwal	PROPN
ajis02-2579	68	19	&	&	CCONJ
ajis02-2579	68	20	prasad	prasad	PROPN
ajis02-2579	68	21	,	,	PUNCT
ajis02-2579	68	22	1999	1999	NUM
ajis02-2579	68	23	;	;	PUNCT
ajis02-2579	68	24	benbasat	benbasat	VERB
ajis02-2579	68	25	and	and	CCONJ
ajis02-2579	68	26	barki	barki	ADJ
ajis02-2579	68	27	,	,	PUNCT
ajis02-2579	68	28	2007	2007	NUM
ajis02-2579	68	29	)	)	PUNCT
ajis02-2579	68	30	based	base	VERB
ajis02-2579	68	31	on	on	ADP
ajis02-2579	68	32	particular	particular	ADJ
ajis02-2579	68	33	is	be	AUX
ajis02-2579	68	34	and	and	CCONJ
ajis02-2579	68	35	geographical	geographical	ADJ
ajis02-2579	68	36	contexts	contexts	NOUN
ajis02-2579	68	37	.	.	PUNCT
ajis02-2579	69	1	perceived	perceive	VERB
ajis02-2579	69	2	usefulness	usefulness	NOUN
ajis02-2579	69	3	and	and	CCONJ
ajis02-2579	69	4	perceived	perceive	VERB
ajis02-2579	69	5	ease	ease	NOUN
ajis02-2579	69	6	of	of	ADP
ajis02-2579	69	7	use	use	NOUN
ajis02-2579	69	8	are	be	AUX
ajis02-2579	69	9	hypothesised	hypothesise	VERB
ajis02-2579	69	10	as	as	ADP
ajis02-2579	69	11	antecedents	antecedent	NOUN
ajis02-2579	69	12	of	of	ADP
ajis02-2579	69	13	individual	individual	ADJ
ajis02-2579	69	14	attitudes	attitude	NOUN
ajis02-2579	69	15	towards	towards	ADP
ajis02-2579	69	16	adoption	adoption	NOUN
ajis02-2579	69	17	which	which	PRON
ajis02-2579	69	18	,	,	PUNCT
ajis02-2579	69	19	in	in	ADP
ajis02-2579	69	20	turn	turn	NOUN
ajis02-2579	69	21	,	,	PUNCT
ajis02-2579	69	22	affects	affect	VERB
ajis02-2579	69	23	intentions	intention	NOUN
ajis02-2579	69	24	to	to	PART
ajis02-2579	69	25	use	use	VERB
ajis02-2579	69	26	mobile	mobile	ADJ
ajis02-2579	69	27	money	money	NOUN
ajis02-2579	69	28	on	on	ADP
ajis02-2579	69	29	an	an	DET
ajis02-2579	69	30	ongoing	ongoing	ADJ
ajis02-2579	69	31	basis	basis	NOUN
ajis02-2579	69	32	.	.	PUNCT
ajis02-2579	70	1	kleinrock	kleinrock	PROPN
ajis02-2579	70	2	(	(	PUNCT
ajis02-2579	70	3	1996	1996	NUM
ajis02-2579	70	4	)	)	PUNCT
ajis02-2579	70	5	argues	argue	VERB
ajis02-2579	70	6	that	that	SCONJ
ajis02-2579	70	7	most	most	ADJ
ajis02-2579	70	8	people	people	NOUN
ajis02-2579	70	9	are	be	AUX
ajis02-2579	70	10	“	"	PUNCT
ajis02-2579	70	11	nomads	nomad	NOUN
ajis02-2579	70	12	”	"	PUNCT
ajis02-2579	70	13	when	when	SCONJ
ajis02-2579	70	14	it	it	PRON
ajis02-2579	70	15	comes	come	VERB
ajis02-2579	70	16	to	to	ADP
ajis02-2579	70	17	technology	technology	NOUN
ajis02-2579	70	18	and	and	CCONJ
ajis02-2579	70	19	this	this	PRON
ajis02-2579	70	20	can	can	AUX
ajis02-2579	70	21	be	be	AUX
ajis02-2579	70	22	identified	identify	VERB
ajis02-2579	70	23	with	with	ADP
ajis02-2579	70	24	mobile	mobile	ADJ
ajis02-2579	70	25	phones	phone	NOUN
ajis02-2579	70	26	and	and	CCONJ
ajis02-2579	70	27	africans	african	NOUN
ajis02-2579	70	28	who	who	PRON
ajis02-2579	70	29	are	be	AUX
ajis02-2579	70	30	always	always	ADV
ajis02-2579	70	31	on	on	ADP
ajis02-2579	70	32	the	the	DET
ajis02-2579	70	33	“	"	PUNCT
ajis02-2579	70	34	go	go	VERB
ajis02-2579	70	35	”	"	PUNCT
ajis02-2579	70	36	for	for	ADP
ajis02-2579	70	37	economic	economic	ADJ
ajis02-2579	70	38	activities	activity	NOUN
ajis02-2579	70	39	.	.	PUNCT
ajis02-2579	71	1	a	a	DET
ajis02-2579	71	2	person	person	NOUN
ajis02-2579	71	3	who	who	PRON
ajis02-2579	71	4	leads	lead	VERB
ajis02-2579	71	5	a	a	DET
ajis02-2579	71	6	busy	busy	ADJ
ajis02-2579	71	7	life	life	NOUN
ajis02-2579	71	8	such	such	ADJ
ajis02-2579	71	9	that	that	SCONJ
ajis02-2579	71	10	he	he	PRON
ajis02-2579	71	11	/	/	PUNCT
ajis02-2579	72	1	she	she	PRON
ajis02-2579	72	2	is	be	AUX
ajis02-2579	72	3	always	always	ADV
ajis02-2579	72	4	on	on	ADP
ajis02-2579	72	5	the	the	DET
ajis02-2579	72	6	move	move	NOUN
ajis02-2579	72	7	will	will	AUX
ajis02-2579	72	8	be	be	AUX
ajis02-2579	72	9	more	more	ADV
ajis02-2579	72	10	likely	likely	ADJ
ajis02-2579	72	11	to	to	PART
ajis02-2579	72	12	adopt	adopt	VERB
ajis02-2579	72	13	mobile	mobile	ADJ
ajis02-2579	72	14	money	money	NOUN
ajis02-2579	72	15	technology	technology	NOUN
ajis02-2579	72	16	compared	compare	VERB
ajis02-2579	72	17	to	to	ADP
ajis02-2579	72	18	one	one	NUM
ajis02-2579	72	19	who	who	PRON
ajis02-2579	72	20	leads	lead	VERB
ajis02-2579	72	21	a	a	DET
ajis02-2579	72	22	sedentary	sedentary	ADJ
ajis02-2579	72	23	lifestyle	lifestyle	NOUN
ajis02-2579	72	24	.	.	PUNCT
ajis02-2579	73	1	the	the	DET
ajis02-2579	73	2	effectiveness	effectiveness	NOUN
ajis02-2579	73	3	of	of	ADP
ajis02-2579	73	4	mobile	mobile	ADJ
ajis02-2579	73	5	money	money	NOUN
ajis02-2579	73	6	rests	rest	VERB
ajis02-2579	73	7	on	on	ADP
ajis02-2579	73	8	its	its	PRON
ajis02-2579	73	9	ubiquity	ubiquity	NOUN
ajis02-2579	73	10	,	,	PUNCT
ajis02-2579	73	11	which	which	PRON
ajis02-2579	73	12	enable	enable	VERB
ajis02-2579	73	13	transactions	transaction	NOUN
ajis02-2579	73	14	to	to	PART
ajis02-2579	73	15	place	place	VERB
ajis02-2579	73	16	anytime	anytime	ADV
ajis02-2579	73	17	,	,	PUNCT
ajis02-2579	73	18	anywhere	anywhere	ADV
ajis02-2579	73	19	(	(	PUNCT
ajis02-2579	73	20	kleinrock	kleinrock	PROPN
ajis02-2579	73	21	1996	1996	NUM
ajis02-2579	73	22	)	)	PUNCT
ajis02-2579	73	23	,	,	PUNCT
ajis02-2579	73	24	particularly	particularly	ADV
ajis02-2579	73	25	the	the	DET
ajis02-2579	73	26	extent	extent	NOUN
ajis02-2579	73	27	to	to	PART
ajis02-2579	73	28	which	which	PRON
ajis02-2579	73	29	mobile	mobile	ADJ
ajis02-2579	73	30	money	money	NOUN
ajis02-2579	73	31	is	be	AUX
ajis02-2579	73	32	perceived	perceive	VERB
ajis02-2579	73	33	to	to	PART
ajis02-2579	73	34	provide	provide	VERB
ajis02-2579	73	35	personalised	personalised	ADJ
ajis02-2579	73	36	and	and	CCONJ
ajis02-2579	73	37	uninterrupted	uninterrupted	ADJ
ajis02-2579	73	38	banking	banking	NOUN
ajis02-2579	73	39	and	and	CCONJ
ajis02-2579	73	40	payments	payment	NOUN
ajis02-2579	73	41	needs	need	VERB
ajis02-2579	73	42	between	between	ADP
ajis02-2579	73	43	the	the	DET
ajis02-2579	73	44	individual	individual	ADJ
ajis02-2579	73	45	and	and	CCONJ
ajis02-2579	73	46	other	other	ADJ
ajis02-2579	73	47	individuals	individual	NOUN
ajis02-2579	73	48	,	,	PUNCT
ajis02-2579	73	49	businesses	business	NOUN
ajis02-2579	73	50	,	,	PUNCT
ajis02-2579	73	51	and	and	CCONJ
ajis02-2579	73	52	governments	government	NOUN
ajis02-2579	73	53	,	,	PUNCT
ajis02-2579	73	54	(	(	PUNCT
ajis02-2579	73	55	p2p	p2p	NOUN
ajis02-2579	73	56	,	,	PUNCT
ajis02-2579	73	57	p2b	p2b	PROPN
ajis02-2579	73	58	,	,	PUNCT
ajis02-2579	73	59	p2	p2	X
ajis02-2579	73	60	g	g	NOUN
ajis02-2579	73	61	,	,	PUNCT
ajis02-2579	73	62	b2b	b2b	NOUN
ajis02-2579	73	63	,	,	PUNCT
ajis02-2579	73	64	and	and	CCONJ
ajis02-2579	73	65	b2	b2	VERB
ajis02-2579	73	66	g	g	NOUN
ajis02-2579	73	67	)	)	PUNCT
ajis02-2579	73	68	.	.	PUNCT
ajis02-2579	74	1	however	however	ADV
ajis02-2579	74	2	,	,	PUNCT
ajis02-2579	74	3	this	this	PRON
ajis02-2579	74	4	can	can	AUX
ajis02-2579	74	5	only	only	ADV
ajis02-2579	74	6	happen	happen	VERB
ajis02-2579	74	7	if	if	SCONJ
ajis02-2579	74	8	the	the	DET
ajis02-2579	74	9	functionality	functionality	NOUN
ajis02-2579	74	10	of	of	ADP
ajis02-2579	74	11	the	the	DET
ajis02-2579	74	12	mobile	mobile	ADJ
ajis02-2579	74	13	phone	phone	NOUN
ajis02-2579	74	14	-such	-such	PROPN
ajis02-2579	74	15	as	as	ADP
ajis02-2579	74	16	having	have	VERB
ajis02-2579	74	17	a	a	DET
ajis02-2579	74	18	reliable	reliable	ADJ
ajis02-2579	74	19	source	source	NOUN
ajis02-2579	74	20	of	of	ADP
ajis02-2579	74	21	electricity	electricity	NOUN
ajis02-2579	74	22	to	to	PART
ajis02-2579	74	23	charge	charge	VERB
ajis02-2579	74	24	it	it	PRON
ajis02-2579	74	25	-is	-is	PRON
ajis02-2579	74	26	supported	support	VERB
ajis02-2579	74	27	.	.	PUNCT
ajis02-2579	75	1	as	as	SCONJ
ajis02-2579	75	2	electricity	electricity	NOUN
ajis02-2579	75	3	generation	generation	NOUN
ajis02-2579	75	4	is	be	AUX
ajis02-2579	75	5	well	well	ADV
ajis02-2579	75	6	below	below	ADP
ajis02-2579	75	7	full	full	ADJ
ajis02-2579	75	8	capacity	capacity	NOUN
ajis02-2579	75	9	in	in	ADP
ajis02-2579	75	10	most	most	ADJ
ajis02-2579	75	11	parts	part	NOUN
ajis02-2579	75	12	of	of	ADP
ajis02-2579	75	13	africa	africa	PROPN
ajis02-2579	75	14	(	(	PUNCT
ajis02-2579	75	15	rubin	rubin	PROPN
ajis02-2579	75	16	,	,	PUNCT
ajis02-2579	75	17	2017	2017	NUM
ajis02-2579	75	18	)	)	PUNCT
ajis02-2579	75	19	,	,	PUNCT
ajis02-2579	75	20	individuals	individual	NOUN
ajis02-2579	75	21	,	,	PUNCT
ajis02-2579	75	22	especially	especially	ADV
ajis02-2579	75	23	rural	rural	ADJ
ajis02-2579	75	24	dwellers	dweller	NOUN
ajis02-2579	75	25	,	,	PUNCT
ajis02-2579	75	26	may	may	AUX
ajis02-2579	75	27	struggle	struggle	VERB
ajis02-2579	75	28	to	to	PART
ajis02-2579	75	29	find	find	VERB
ajis02-2579	75	30	a	a	DET
ajis02-2579	75	31	reliable	reliable	ADJ
ajis02-2579	75	32	power	power	NOUN
ajis02-2579	75	33	source	source	NOUN
ajis02-2579	75	34	to	to	PART
ajis02-2579	75	35	charge	charge	VERB
ajis02-2579	75	36	their	their	PRON
ajis02-2579	75	37	mobile	mobile	ADJ
ajis02-2579	75	38	devices	device	NOUN
ajis02-2579	75	39	.	.	PUNCT
ajis02-2579	76	1	there	there	PRON
ajis02-2579	76	2	are	be	VERB
ajis02-2579	76	3	multiple	multiple	ADJ
ajis02-2579	76	4	documentations	documentation	NOUN
ajis02-2579	76	5	of	of	ADP
ajis02-2579	76	6	the	the	DET
ajis02-2579	76	7	extreme	extreme	ADJ
ajis02-2579	76	8	lengths	length	NOUN
ajis02-2579	76	9	to	to	PART
ajis02-2579	76	10	which	which	PRON
ajis02-2579	76	11	rural	rural	ADJ
ajis02-2579	76	12	people	people	NOUN
ajis02-2579	76	13	resort	resort	VERB
ajis02-2579	76	14	in	in	ADP
ajis02-2579	76	15	order	order	NOUN
ajis02-2579	76	16	to	to	PART
ajis02-2579	76	17	access	access	VERB
ajis02-2579	76	18	a	a	DET
ajis02-2579	76	19	power	power	NOUN
ajis02-2579	76	20	source	source	NOUN
ajis02-2579	76	21	to	to	PART
ajis02-2579	76	22	charge	charge	VERB
ajis02-2579	76	23	their	their	PRON
ajis02-2579	76	24	mobile	mobile	ADJ
ajis02-2579	76	25	phones	phone	NOUN
ajis02-2579	76	26	and	and	CCONJ
ajis02-2579	76	27	to	to	PART
ajis02-2579	76	28	access	access	VERB
ajis02-2579	76	29	mobile	mobile	ADJ
ajis02-2579	76	30	phone	phone	NOUN
ajis02-2579	76	31	network	network	NOUN
ajis02-2579	76	32	services	service	NOUN
ajis02-2579	76	33	(	(	PUNCT
ajis02-2579	76	34	eriksson	eriksson	PROPN
ajis02-2579	76	35	,	,	PUNCT
ajis02-2579	76	36	2008	2008	NUM
ajis02-2579	76	37	;	;	PUNCT
ajis02-2579	76	38	gyimah	gyimah	NOUN
ajis02-2579	76	39	-	-	PUNCT
ajis02-2579	76	40	brempong	brempong	NOUN
ajis02-2579	76	41	&	&	CCONJ
ajis02-2579	76	42	karikari	karikari	PROPN
ajis02-2579	76	43	,	,	PUNCT
ajis02-2579	76	44	2007	2007	NUM
ajis02-2579	76	45	;	;	PUNCT
ajis02-2579	76	46	jacobson	jacobson	PROPN
ajis02-2579	76	47	,	,	PUNCT
ajis02-2579	76	48	2007	2007	NUM
ajis02-2579	76	49	)	)	PUNCT
ajis02-2579	76	50	.	.	PUNCT
ajis02-2579	77	1	rural	rural	ADJ
ajis02-2579	77	2	dwellers	dweller	NOUN
ajis02-2579	77	3	who	who	PRON
ajis02-2579	77	4	have	have	VERB
ajis02-2579	77	5	no	no	DET
ajis02-2579	77	6	electricity	electricity	NOUN
ajis02-2579	77	7	will	will	AUX
ajis02-2579	77	8	find	find	VERB
ajis02-2579	77	9	it	it	PRON
ajis02-2579	77	10	more	more	ADV
ajis02-2579	77	11	difficult	difficult	ADJ
ajis02-2579	77	12	to	to	PART
ajis02-2579	77	13	adopt	adopt	VERB
ajis02-2579	77	14	and	and	CCONJ
ajis02-2579	77	15	use	use	VERB
ajis02-2579	77	16	mobile	mobile	ADJ
ajis02-2579	77	17	money	money	NOUN
ajis02-2579	77	18	compared	compare	VERB
ajis02-2579	77	19	to	to	ADP
ajis02-2579	77	20	those	those	PRON
ajis02-2579	77	21	in	in	ADP
ajis02-2579	77	22	urban	urban	ADJ
ajis02-2579	77	23	areas	area	NOUN
ajis02-2579	77	24	with	with	ADP
ajis02-2579	77	25	a	a	DET
ajis02-2579	77	26	reliable	reliable	ADJ
ajis02-2579	77	27	source	source	NOUN
ajis02-2579	77	28	of	of	ADP
ajis02-2579	77	29	electricity	electricity	NOUN
ajis02-2579	77	30	.	.	PUNCT
ajis02-2579	78	1	therefore	therefore	ADV
ajis02-2579	78	2	,	,	PUNCT
ajis02-2579	78	3	if	if	SCONJ
ajis02-2579	78	4	the	the	DET
ajis02-2579	78	5	national	national	ADJ
ajis02-2579	78	6	grid	grid	NOUN
ajis02-2579	78	7	is	be	AUX
ajis02-2579	78	8	unavailable	unavailable	ADJ
ajis02-2579	78	9	,	,	PUNCT
ajis02-2579	78	10	the	the	DET
ajis02-2579	78	11	mobility	mobility	NOUN
ajis02-2579	78	12	-	-	PUNCT
ajis02-2579	78	13	related	relate	VERB
ajis02-2579	78	14	needs	need	NOUN
ajis02-2579	78	15	that	that	PRON
ajis02-2579	78	16	serve	serve	VERB
ajis02-2579	78	17	as	as	ADP
ajis02-2579	78	18	the	the	DET
ajis02-2579	78	19	driver	driver	NOUN
ajis02-2579	78	20	for	for	ADP
ajis02-2579	78	21	adopting	adopt	VERB
ajis02-2579	78	22	and	and	CCONJ
ajis02-2579	78	23	using	use	VERB
ajis02-2579	78	24	mobile	mobile	ADJ
ajis02-2579	78	25	money	money	NOUN
ajis02-2579	78	26	(	(	PUNCT
ajis02-2579	78	27	kakihara	kakihara	NOUN
ajis02-2579	78	28	and	and	CCONJ
ajis02-2579	78	29	sorensen	sorensen	PROPN
ajis02-2579	78	30	,	,	PUNCT
ajis02-2579	78	31	2002	2002	NUM
ajis02-2579	78	32	)	)	PUNCT
ajis02-2579	78	33	in	in	ADP
ajis02-2579	78	34	the	the	DET
ajis02-2579	78	35	first	first	ADJ
ajis02-2579	78	36	place	place	NOUN
ajis02-2579	78	37	may	may	AUX
ajis02-2579	78	38	affect	affect	VERB
ajis02-2579	78	39	perceptions	perception	NOUN
ajis02-2579	78	40	of	of	ADP
ajis02-2579	78	41	its	its	PRON
ajis02-2579	78	42	usefulness	usefulness	NOUN
ajis02-2579	78	43	and	and	CCONJ
ajis02-2579	78	44	convenience	convenience	NOUN
ajis02-2579	78	45	.	.	PUNCT
ajis02-2579	79	1	we	we	PRON
ajis02-2579	79	2	therefore	therefore	ADV
ajis02-2579	79	3	propose	propose	VERB
ajis02-2579	79	4	our	our	PRON
ajis02-2579	79	5	third	third	ADJ
ajis02-2579	79	6	and	and	CCONJ
ajis02-2579	79	7	fourth	fourth	ADJ
ajis02-2579	79	8	hypothesis	hypothesis	NOUN
ajis02-2579	79	9	:	:	PUNCT
ajis02-2579	79	10	h4	h4	NOUN
ajis02-2579	79	11	:	:	PUNCT
ajis02-2579	79	12	there	there	PRON
ajis02-2579	79	13	is	be	VERB
ajis02-2579	79	14	a	a	DET
ajis02-2579	79	15	positive	positive	ADJ
ajis02-2579	79	16	relationship	relationship	NOUN
ajis02-2579	79	17	between	between	ADP
ajis02-2579	79	18	ubiquity	ubiquity	NOUN
ajis02-2579	79	19	of	of	ADP
ajis02-2579	79	20	mobile	mobile	ADJ
ajis02-2579	79	21	phones	phone	NOUN
ajis02-2579	79	22	/	/	SYM
ajis02-2579	79	23	reliable	reliable	ADJ
ajis02-2579	79	24	power	power	NOUN
ajis02-2579	79	25	supply	supply	NOUN
ajis02-2579	79	26	and	and	CCONJ
ajis02-2579	79	27	perceived	perceive	VERB
ajis02-2579	79	28	ease	ease	NOUN
ajis02-2579	79	29	of	of	ADP
ajis02-2579	79	30	use	use	NOUN
ajis02-2579	79	31	of	of	ADP
ajis02-2579	79	32	mobile	mobile	ADJ
ajis02-2579	79	33	money	money	NOUN
ajis02-2579	79	34	.	.	PUNCT
ajis02-2579	80	1	h5	h5	PROPN
ajis02-2579	80	2	:	:	PUNCT
ajis02-2579	80	3	there	there	PRON
ajis02-2579	80	4	is	be	VERB
ajis02-2579	80	5	a	a	DET
ajis02-2579	80	6	negative	negative	ADJ
ajis02-2579	80	7	relationship	relationship	NOUN
ajis02-2579	80	8	between	between	ADP
ajis02-2579	80	9	rural	rural	ADJ
ajis02-2579	80	10	dwelling	dwelling	NOUN
ajis02-2579	80	11	and	and	CCONJ
ajis02-2579	80	12	perceived	perceive	VERB
ajis02-2579	80	13	usefulness	usefulness	NOUN
ajis02-2579	80	14	of	of	ADP
ajis02-2579	80	15	mobile	mobile	ADJ
ajis02-2579	80	16	money	money	NOUN
ajis02-2579	80	17	.	.	PUNCT
ajis02-2579	81	1	3.4	3.4	NUM
ajis02-2579	81	2	effects	effect	NOUN
ajis02-2579	81	3	of	of	ADP
ajis02-2579	81	4	regulation	regulation	NOUN
ajis02-2579	81	5	and	and	CCONJ
ajis02-2579	81	6	costs	cost	NOUN
ajis02-2579	81	7	on	on	ADP
ajis02-2579	81	8	perceived	perceive	VERB
ajis02-2579	81	9	usefulness	usefulness	NOUN
ajis02-2579	81	10	and	and	CCONJ
ajis02-2579	81	11	perceived	perceive	VERB
ajis02-2579	81	12	ease	ease	NOUN
ajis02-2579	81	13	of	of	ADP
ajis02-2579	81	14	use	use	NOUN
ajis02-2579	81	15	of	of	ADP
ajis02-2579	81	16	mobile	mobile	ADJ
ajis02-2579	81	17	money	money	NOUN
ajis02-2579	81	18	enabling	enable	VERB
ajis02-2579	81	19	regulations	regulation	NOUN
ajis02-2579	81	20	and	and	CCONJ
ajis02-2579	81	21	the	the	DET
ajis02-2579	81	22	associated	associated	ADJ
ajis02-2579	81	23	costs	cost	NOUN
ajis02-2579	81	24	with	with	ADP
ajis02-2579	81	25	using	use	VERB
ajis02-2579	81	26	mobile	mobile	ADJ
ajis02-2579	81	27	money	money	NOUN
ajis02-2579	81	28	can	can	AUX
ajis02-2579	81	29	also	also	ADV
ajis02-2579	81	30	affect	affect	VERB
ajis02-2579	81	31	consumer	consumer	NOUN
ajis02-2579	81	32	perceptions	perception	NOUN
ajis02-2579	81	33	of	of	ADP
ajis02-2579	81	34	the	the	DET
ajis02-2579	81	35	usefulness	usefulness	NOUN
ajis02-2579	81	36	and	and	CCONJ
ajis02-2579	81	37	convenience	convenience	NOUN
ajis02-2579	81	38	of	of	ADP
ajis02-2579	81	39	mobile	mobile	ADJ
ajis02-2579	81	40	money	money	NOUN
ajis02-2579	81	41	.	.	PUNCT
ajis02-2579	82	1	those	those	PRON
ajis02-2579	82	2	who	who	PRON
ajis02-2579	82	3	adopt	adopt	VERB
ajis02-2579	82	4	the	the	DET
ajis02-2579	82	5	use	use	NOUN
ajis02-2579	82	6	of	of	ADP
ajis02-2579	82	7	mobile	mobile	ADJ
ajis02-2579	82	8	money	money	NOUN
ajis02-2579	82	9	may	may	AUX
ajis02-2579	82	10	adapt	adapt	VERB
ajis02-2579	82	11	their	their	PRON
ajis02-2579	82	12	behaviour	behaviour	NOUN
ajis02-2579	82	13	to	to	ADP
ajis02-2579	82	14	the	the	DET
ajis02-2579	82	15	new	new	ADJ
ajis02-2579	82	16	technology	technology	NOUN
ajis02-2579	82	17	if	if	SCONJ
ajis02-2579	82	18	they	they	PRON
ajis02-2579	82	19	perceive	perceive	VERB
ajis02-2579	82	20	it	it	PRON
ajis02-2579	82	21	is	be	AUX
ajis02-2579	82	22	useful	useful	ADJ
ajis02-2579	82	23	to	to	ADP
ajis02-2579	82	24	their	their	PRON
ajis02-2579	82	25	everyday	everyday	ADJ
ajis02-2579	82	26	life	life	NOUN
ajis02-2579	82	27	(	(	PUNCT
ajis02-2579	82	28	agarwal	agarwal	PROPN
ajis02-2579	82	29	and	and	CCONJ
ajis02-2579	82	30	prasad	prasad	PROPN
ajis02-2579	82	31	,	,	PUNCT
ajis02-2579	82	32	1999	1999	NUM
ajis02-2579	82	33	)	)	PUNCT
ajis02-2579	82	34	.	.	PUNCT
ajis02-2579	83	1	liu	liu	PROPN
ajis02-2579	83	2	,	,	PUNCT
ajis02-2579	83	3	kauffman	kauffman	PROPN
ajis02-2579	83	4	,	,	PUNCT
ajis02-2579	83	5	and	and	CCONJ
ajis02-2579	83	6	ma	ma	PROPN
ajis02-2579	83	7	(	(	PUNCT
ajis02-2579	83	8	2015	2015	NUM
ajis02-2579	83	9	)	)	PUNCT
ajis02-2579	83	10	argue	argue	VERB
ajis02-2579	83	11	that	that	SCONJ
ajis02-2579	83	12	market	market	NOUN
ajis02-2579	83	13	competition	competition	NOUN
ajis02-2579	83	14	,	,	PUNCT
ajis02-2579	83	15	cooperation	cooperation	NOUN
ajis02-2579	83	16	,	,	PUNCT
ajis02-2579	83	17	and	and	CCONJ
ajis02-2579	83	18	regulations	regulation	NOUN
ajis02-2579	83	19	act	act	VERB
ajis02-2579	83	20	as	as	ADP
ajis02-2579	83	21	key	key	ADJ
ajis02-2579	83	22	accelerators	accelerator	NOUN
ajis02-2579	83	23	of	of	ADP
ajis02-2579	83	24	industry	industry	NOUN
ajis02-2579	83	25	changes	change	NOUN
ajis02-2579	83	26	,	,	PUNCT
ajis02-2579	83	27	while	while	SCONJ
ajis02-2579	83	28	innovations	innovation	NOUN
ajis02-2579	83	29	in	in	ADP
ajis02-2579	83	30	mobile	mobile	ADJ
ajis02-2579	83	31	payments	payment	NOUN
ajis02-2579	83	32	have	have	VERB
ajis02-2579	83	33	the	the	DET
ajis02-2579	83	34	potential	potential	NOUN
ajis02-2579	83	35	to	to	PART
ajis02-2579	83	36	transform	transform	VERB
ajis02-2579	83	37	it	it	PRON
ajis02-2579	83	38	.	.	PUNCT
ajis02-2579	84	1	in	in	ADP
ajis02-2579	84	2	the	the	DET
ajis02-2579	84	3	financial	financial	ADJ
ajis02-2579	84	4	services	service	NOUN
ajis02-2579	84	5	sector	sector	NOUN
ajis02-2579	84	6	,	,	PUNCT
ajis02-2579	84	7	financial	financial	ADJ
ajis02-2579	84	8	institutions	institution	NOUN
ajis02-2579	84	9	are	be	AUX
ajis02-2579	84	10	closely	closely	ADV
ajis02-2579	84	11	connected	connect	VERB
ajis02-2579	84	12	to	to	ADP
ajis02-2579	84	13	consumer	consumer	NOUN
ajis02-2579	84	14	welfare	welfare	NOUN
ajis02-2579	84	15	,	,	PUNCT
ajis02-2579	84	16	so	so	SCONJ
ajis02-2579	84	17	regulators	regulator	NOUN
ajis02-2579	84	18	are	be	AUX
ajis02-2579	84	19	extremely	extremely	ADV
ajis02-2579	84	20	cautious	cautious	ADJ
ajis02-2579	84	21	about	about	ADP
ajis02-2579	84	22	how	how	SCONJ
ajis02-2579	84	23	disruptive	disruptive	ADJ
ajis02-2579	84	24	technological	technological	ADJ
ajis02-2579	84	25	innovations	innovation	NOUN
ajis02-2579	84	26	may	may	AUX
ajis02-2579	84	27	change	change	VERB
ajis02-2579	84	28	the	the	DET
ajis02-2579	84	29	market	market	NOUN
ajis02-2579	84	30	(	(	PUNCT
ajis02-2579	84	31	liu	liu	PROPN
ajis02-2579	84	32	et	et	PROPN
ajis02-2579	84	33	al	al	PROPN
ajis02-2579	84	34	.	.	PROPN
ajis02-2579	84	35	,	,	PUNCT
ajis02-2579	84	36	2015	2015	NUM
ajis02-2579	84	37	)	)	PUNCT
ajis02-2579	84	38	.	.	PUNCT
ajis02-2579	85	1	enabling	enable	VERB
ajis02-2579	85	2	regulations	regulation	NOUN
ajis02-2579	85	3	facilitate	facilitate	VERB
ajis02-2579	85	4	acceptance	acceptance	NOUN
ajis02-2579	85	5	and	and	CCONJ
ajis02-2579	85	6	uptake	uptake	NOUN
ajis02-2579	85	7	of	of	ADP
ajis02-2579	85	8	new	new	ADJ
ajis02-2579	85	9	systems	system	NOUN
ajis02-2579	85	10	(	(	PUNCT
ajis02-2579	85	11	zacharis	zacharis	PROPN
ajis02-2579	85	12	,	,	PUNCT
ajis02-2579	85	13	2012	2012	NUM
ajis02-2579	85	14	)	)	PUNCT
ajis02-2579	85	15	in	in	ADP
ajis02-2579	85	16	providing	provide	VERB
ajis02-2579	85	17	assurance	assurance	NOUN
ajis02-2579	85	18	that	that	SCONJ
ajis02-2579	85	19	sanctions	sanction	NOUN
ajis02-2579	85	20	will	will	AUX
ajis02-2579	85	21	follow	follow	VERB
ajis02-2579	85	22	should	should	AUX
ajis02-2579	85	23	there	there	PRON
ajis02-2579	85	24	be	be	AUX
ajis02-2579	85	25	any	any	DET
ajis02-2579	85	26	breach	breach	NOUN
ajis02-2579	85	27	of	of	ADP
ajis02-2579	85	28	contracts	contract	NOUN
ajis02-2579	85	29	.	.	PUNCT
ajis02-2579	86	1	inter	inter	ADJ
ajis02-2579	86	2	-	-	NOUN
ajis02-2579	86	3	operability	operability	NOUN
ajis02-2579	86	4	is	be	AUX
ajis02-2579	86	5	another	another	DET
ajis02-2579	86	6	reason	reason	NOUN
ajis02-2579	86	7	why	why	SCONJ
ajis02-2579	86	8	regulation	regulation	NOUN
ajis02-2579	86	9	is	be	AUX
ajis02-2579	86	10	important	important	ADJ
ajis02-2579	86	11	.	.	PUNCT
ajis02-2579	87	1	because	because	SCONJ
ajis02-2579	87	2	of	of	ADP
ajis02-2579	87	3	competition	competition	NOUN
ajis02-2579	87	4	and	and	CCONJ
ajis02-2579	87	5	financial	financial	ADJ
ajis02-2579	87	6	sector	sector	NOUN
ajis02-2579	87	7	harmonisation	harmonisation	NOUN
ajis02-2579	87	8	,	,	PUNCT
ajis02-2579	87	9	inter	inter	NOUN
ajis02-2579	87	10	-	-	NOUN
ajis02-2579	87	11	operability	operability	NOUN
ajis02-2579	87	12	that	that	PRON
ajis02-2579	87	13	does	do	AUX
ajis02-2579	87	14	not	not	PART
ajis02-2579	87	15	have	have	VERB
ajis02-2579	87	16	the	the	DET
ajis02-2579	87	17	necessary	necessary	ADJ
ajis02-2579	87	18	regulation	regulation	NOUN
ajis02-2579	87	19	could	could	AUX
ajis02-2579	87	20	be	be	AUX
ajis02-2579	87	21	as	as	ADP
ajis02-2579	87	22	any	any	DET
ajis02-2579	87	23	form	form	NOUN
ajis02-2579	87	24	of	of	ADP
ajis02-2579	87	25	informal	informal	ADJ
ajis02-2579	87	26	system	system	NOUN
ajis02-2579	87	27	,	,	PUNCT
ajis02-2579	87	28	which	which	PRON
ajis02-2579	87	29	can	can	AUX
ajis02-2579	87	30	have	have	VERB
ajis02-2579	87	31	a	a	DET
ajis02-2579	87	32	negative	negative	ADJ
ajis02-2579	87	33	impact	impact	NOUN
ajis02-2579	87	34	on	on	ADP
ajis02-2579	87	35	the	the	DET
ajis02-2579	87	36	financial	financial	ADJ
ajis02-2579	87	37	system	system	NOUN
ajis02-2579	87	38	of	of	ADP
ajis02-2579	87	39	african	african	ADJ
ajis02-2579	87	40	countries	country	NOUN
ajis02-2579	87	41	.	.	PUNCT
ajis02-2579	88	1	australasian	australasian	ADJ
ajis02-2579	88	2	journal	journal	NOUN
ajis02-2579	88	3	of	of	ADP
ajis02-2579	88	4	information	information	NOUN
ajis02-2579	88	5	systems	system	NOUN
ajis02-2579	88	6	alhassan	alhassan	PROPN
ajis02-2579	88	7	,	,	PUNCT
ajis02-2579	88	8	li	li	PROPN
ajis02-2579	88	9	,	,	PUNCT
ajis02-2579	88	10	reddy	reddy	PROPN
ajis02-2579	88	11	&	&	CCONJ
ajis02-2579	88	12	duppati	duppati	PROPN
ajis02-2579	88	13	2020	2020	NUM
ajis02-2579	88	14	,	,	PUNCT
ajis02-2579	88	15	vol	vol	NOUN
ajis02-2579	88	16	24	24	NUM
ajis02-2579	88	17	,	,	PUNCT
ajis02-2579	88	18	research	research	NOUN
ajis02-2579	88	19	article	article	NOUN
ajis02-2579	88	20	consumer	consumer	NOUN
ajis02-2579	88	21	acceptance	acceptance	NOUN
ajis02-2579	88	22	and	and	CCONJ
ajis02-2579	88	23	continuance	continuance	NOUN
ajis02-2579	88	24	of	of	ADP
ajis02-2579	88	25	mobile	mobile	ADJ
ajis02-2579	88	26	money	money	NOUN
ajis02-2579	88	27	6	6	NUM
ajis02-2579	88	28	in	in	ADP
ajis02-2579	88	29	looking	look	VERB
ajis02-2579	88	30	at	at	ADP
ajis02-2579	88	31	how	how	SCONJ
ajis02-2579	88	32	the	the	DET
ajis02-2579	88	33	costs	cost	NOUN
ajis02-2579	88	34	of	of	ADP
ajis02-2579	88	35	mobile	mobile	ADJ
ajis02-2579	88	36	money	money	NOUN
ajis02-2579	88	37	services	service	NOUN
ajis02-2579	88	38	can	can	AUX
ajis02-2579	88	39	affect	affect	VERB
ajis02-2579	88	40	consumer	consumer	NOUN
ajis02-2579	88	41	perceptions	perception	NOUN
ajis02-2579	88	42	of	of	ADP
ajis02-2579	88	43	its	its	PRON
ajis02-2579	88	44	usefulness	usefulness	NOUN
ajis02-2579	88	45	,	,	PUNCT
ajis02-2579	88	46	we	we	PRON
ajis02-2579	88	47	take	take	VERB
ajis02-2579	88	48	inspiration	inspiration	NOUN
ajis02-2579	88	49	from	from	ADP
ajis02-2579	88	50	the	the	DET
ajis02-2579	88	51	work	work	NOUN
ajis02-2579	88	52	of	of	ADP
ajis02-2579	88	53	swanson	swanson	PROPN
ajis02-2579	88	54	(	(	PUNCT
ajis02-2579	88	55	1982	1982	NUM
ajis02-2579	88	56	)	)	PUNCT
ajis02-2579	88	57	,	,	PUNCT
ajis02-2579	88	58	who	who	PRON
ajis02-2579	88	59	provided	provide	VERB
ajis02-2579	88	60	evidence	evidence	NOUN
ajis02-2579	88	61	that	that	SCONJ
ajis02-2579	88	62	perceptions	perception	NOUN
ajis02-2579	88	63	of	of	ADP
ajis02-2579	88	64	technology	technology	NOUN
ajis02-2579	88	65	as	as	ADP
ajis02-2579	88	66	both	both	CCONJ
ajis02-2579	88	67	useful	useful	ADJ
ajis02-2579	88	68	and	and	CCONJ
ajis02-2579	88	69	easy	easy	ADJ
ajis02-2579	88	70	to	to	PART
ajis02-2579	88	71	use	use	VERB
ajis02-2579	88	72	were	be	AUX
ajis02-2579	88	73	important	important	ADJ
ajis02-2579	88	74	behavioural	behavioural	ADJ
ajis02-2579	88	75	determinants	determinant	NOUN
ajis02-2579	88	76	.	.	PUNCT
ajis02-2579	89	1	swanson	swanson	PROPN
ajis02-2579	89	2	demonstrated	demonstrate	VERB
ajis02-2579	89	3	that	that	SCONJ
ajis02-2579	89	4	potential	potential	ADJ
ajis02-2579	89	5	users	user	NOUN
ajis02-2579	89	6	will	will	AUX
ajis02-2579	89	7	select	select	VERB
ajis02-2579	89	8	and	and	CCONJ
ajis02-2579	89	9	use	use	VERB
ajis02-2579	89	10	information	information	NOUN
ajis02-2579	89	11	reports	report	NOUN
ajis02-2579	89	12	based	base	VERB
ajis02-2579	89	13	on	on	ADP
ajis02-2579	89	14	a	a	DET
ajis02-2579	89	15	trade	trade	NOUN
ajis02-2579	89	16	-	-	PUNCT
ajis02-2579	89	17	off	off	NOUN
ajis02-2579	89	18	between	between	ADP
ajis02-2579	89	19	perceived	perceive	VERB
ajis02-2579	89	20	information	information	NOUN
ajis02-2579	89	21	quality	quality	NOUN
ajis02-2579	89	22	(	(	PUNCT
ajis02-2579	89	23	perceived	perceive	VERB
ajis02-2579	89	24	usefulness	usefulness	NOUN
ajis02-2579	89	25	)	)	PUNCT
ajis02-2579	89	26	and	and	CCONJ
ajis02-2579	89	27	the	the	DET
ajis02-2579	89	28	associated	associated	ADJ
ajis02-2579	89	29	cost	cost	NOUN
ajis02-2579	89	30	of	of	ADP
ajis02-2579	89	31	access	access	NOUN
ajis02-2579	89	32	.	.	PUNCT
ajis02-2579	90	1	mathieson	mathieson	PROPN
ajis02-2579	90	2	,	,	PUNCT
ajis02-2579	90	3	peacock	peacock	NOUN
ajis02-2579	90	4	,	,	PUNCT
ajis02-2579	90	5	and	and	CCONJ
ajis02-2579	90	6	chin	chin	NOUN
ajis02-2579	90	7	(	(	PUNCT
ajis02-2579	90	8	2001	2001	NUM
ajis02-2579	90	9	)	)	PUNCT
ajis02-2579	90	10	and	and	CCONJ
ajis02-2579	90	11	luarn	luarn	NOUN
ajis02-2579	90	12	and	and	CCONJ
ajis02-2579	90	13	lin	lin	PROPN
ajis02-2579	90	14	(	(	PUNCT
ajis02-2579	90	15	2005	2005	NUM
ajis02-2579	90	16	)	)	PUNCT
ajis02-2579	90	17	also	also	ADV
ajis02-2579	90	18	find	find	VERB
ajis02-2579	90	19	that	that	SCONJ
ajis02-2579	90	20	perceived	perceive	VERB
ajis02-2579	90	21	costs	cost	NOUN
ajis02-2579	90	22	influence	influence	VERB
ajis02-2579	90	23	one	one	NUM
ajis02-2579	90	24	’s	’s	PART
ajis02-2579	90	25	intentions	intention	NOUN
ajis02-2579	90	26	to	to	PART
ajis02-2579	90	27	use	use	VERB
ajis02-2579	90	28	an	an	DET
ajis02-2579	90	29	information	information	NOUN
ajis02-2579	90	30	service	service	NOUN
ajis02-2579	90	31	and	and	CCONJ
ajis02-2579	90	32	mobile	mobile	NOUN
ajis02-2579	90	33	banking	banking	NOUN
ajis02-2579	90	34	,	,	PUNCT
ajis02-2579	90	35	respectively	respectively	ADV
ajis02-2579	90	36	.	.	PUNCT
ajis02-2579	91	1	similarly	similarly	ADV
ajis02-2579	91	2	,	,	PUNCT
ajis02-2579	91	3	venkatesh	venkatesh	PROPN
ajis02-2579	91	4	,	,	PUNCT
ajis02-2579	91	5	thong	thong	NOUN
ajis02-2579	91	6	,	,	PUNCT
ajis02-2579	91	7	and	and	CCONJ
ajis02-2579	91	8	xu	xu	PROPN
ajis02-2579	91	9	(	(	PUNCT
ajis02-2579	91	10	2012	2012	NUM
ajis02-2579	91	11	)	)	PUNCT
ajis02-2579	91	12	argue	argue	VERB
ajis02-2579	91	13	that	that	SCONJ
ajis02-2579	91	14	the	the	DET
ajis02-2579	91	15	cost	cost	NOUN
ajis02-2579	91	16	and	and	CCONJ
ajis02-2579	91	17	pricing	pricing	NOUN
ajis02-2579	91	18	structure	structure	NOUN
ajis02-2579	91	19	of	of	ADP
ajis02-2579	91	20	it	it	PRON
ajis02-2579	91	21	/	/	PUNCT
ajis02-2579	91	22	is	be	AUX
ajis02-2579	91	23	have	have	VERB
ajis02-2579	91	24	a	a	DET
ajis02-2579	91	25	significant	significant	ADJ
ajis02-2579	91	26	impact	impact	NOUN
ajis02-2579	91	27	on	on	ADP
ajis02-2579	91	28	technology	technology	NOUN
ajis02-2579	91	29	use	use	NOUN
ajis02-2579	91	30	by	by	ADP
ajis02-2579	91	31	consumers	consumer	NOUN
ajis02-2579	91	32	.	.	PUNCT
ajis02-2579	92	1	for	for	SCONJ
ajis02-2579	92	2	mobile	mobile	ADJ
ajis02-2579	92	3	money	money	NOUN
ajis02-2579	92	4	to	to	PART
ajis02-2579	92	5	be	be	AUX
ajis02-2579	92	6	perceived	perceive	VERB
ajis02-2579	92	7	as	as	ADP
ajis02-2579	92	8	useful	useful	ADJ
ajis02-2579	92	9	,	,	PUNCT
ajis02-2579	92	10	potential	potential	ADJ
ajis02-2579	92	11	users	user	NOUN
ajis02-2579	92	12	must	must	AUX
ajis02-2579	92	13	see	see	VERB
ajis02-2579	92	14	that	that	SCONJ
ajis02-2579	92	15	the	the	DET
ajis02-2579	92	16	benefits	benefit	NOUN
ajis02-2579	92	17	of	of	ADP
ajis02-2579	92	18	the	the	DET
ajis02-2579	92	19	system	system	NOUN
ajis02-2579	92	20	outweigh	outweigh	VERB
ajis02-2579	92	21	the	the	DET
ajis02-2579	92	22	costs	cost	NOUN
ajis02-2579	92	23	.	.	PUNCT
ajis02-2579	93	1	consequently	consequently	ADV
ajis02-2579	93	2	,	,	PUNCT
ajis02-2579	93	3	we	we	PRON
ajis02-2579	93	4	propose	propose	VERB
ajis02-2579	93	5	the	the	DET
ajis02-2579	93	6	next	next	ADJ
ajis02-2579	93	7	hypotheses	hypothesis	NOUN
ajis02-2579	93	8	as	as	SCONJ
ajis02-2579	93	9	follows	follow	VERB
ajis02-2579	93	10	:	:	PUNCT
ajis02-2579	93	11	h6	h6	NOUN
ajis02-2579	93	12	:	:	PUNCT
ajis02-2579	93	13	there	there	PRON
ajis02-2579	93	14	is	be	VERB
ajis02-2579	93	15	a	a	DET
ajis02-2579	93	16	positive	positive	ADJ
ajis02-2579	93	17	relationship	relationship	NOUN
ajis02-2579	93	18	between	between	ADP
ajis02-2579	93	19	regulation	regulation	NOUN
ajis02-2579	93	20	and	and	CCONJ
ajis02-2579	93	21	perceptions	perception	NOUN
ajis02-2579	93	22	of	of	ADP
ajis02-2579	93	23	mobile	mobile	ADJ
ajis02-2579	93	24	money	money	NOUN
ajis02-2579	93	25	as	as	ADP
ajis02-2579	93	26	easy	easy	ADJ
ajis02-2579	93	27	to	to	PART
ajis02-2579	93	28	use	use	VERB
ajis02-2579	93	29	h7	h7	NOUN
ajis02-2579	93	30	:	:	PUNCT
ajis02-2579	93	31	there	there	PRON
ajis02-2579	93	32	is	be	VERB
ajis02-2579	93	33	a	a	DET
ajis02-2579	93	34	positive	positive	ADJ
ajis02-2579	93	35	relationship	relationship	NOUN
ajis02-2579	93	36	between	between	ADP
ajis02-2579	93	37	costs	cost	NOUN
ajis02-2579	93	38	and	and	CCONJ
ajis02-2579	93	39	perceptions	perception	NOUN
ajis02-2579	93	40	of	of	ADP
ajis02-2579	93	41	mobile	mobile	ADJ
ajis02-2579	93	42	money	money	NOUN
ajis02-2579	93	43	as	as	ADP
ajis02-2579	93	44	useful	useful	ADJ
ajis02-2579	93	45	3.5	3.5	NUM
ajis02-2579	93	46	effects	effect	NOUN
ajis02-2579	93	47	of	of	ADP
ajis02-2579	93	48	education	education	NOUN
ajis02-2579	93	49	and	and	CCONJ
ajis02-2579	93	50	gender	gender	NOUN
ajis02-2579	93	51	on	on	ADP
ajis02-2579	93	52	perceptions	perception	NOUN
ajis02-2579	93	53	of	of	ADP
ajis02-2579	93	54	mobile	mobile	ADJ
ajis02-2579	93	55	money	money	NOUN
ajis02-2579	93	56	as	as	ADP
ajis02-2579	93	57	easy	easy	ADJ
ajis02-2579	93	58	to	to	PART
ajis02-2579	93	59	use	use	VERB
ajis02-2579	93	60	venkatesh	venkatesh	PROPN
ajis02-2579	93	61	et	et	PROPN
ajis02-2579	93	62	al	al	PROPN
ajis02-2579	93	63	.	.	PROPN
ajis02-2579	94	1	(	(	PUNCT
ajis02-2579	94	2	2003	2003	NUM
ajis02-2579	94	3	)	)	PUNCT
ajis02-2579	94	4	argue	argue	VERB
ajis02-2579	94	5	that	that	SCONJ
ajis02-2579	94	6	social	social	ADJ
ajis02-2579	94	7	influence	influence	NOUN
ajis02-2579	94	8	and	and	CCONJ
ajis02-2579	94	9	individual	individual	ADJ
ajis02-2579	94	10	characteristics	characteristic	NOUN
ajis02-2579	94	11	are	be	AUX
ajis02-2579	94	12	important	important	ADJ
ajis02-2579	94	13	determinants	determinant	NOUN
ajis02-2579	94	14	of	of	ADP
ajis02-2579	94	15	user	user	NOUN
ajis02-2579	94	16	intention	intention	NOUN
ajis02-2579	94	17	and	and	CCONJ
ajis02-2579	94	18	behaviour	behaviour	NOUN
ajis02-2579	94	19	.	.	PUNCT
ajis02-2579	95	1	arguably	arguably	ADV
ajis02-2579	95	2	then	then	ADV
ajis02-2579	95	3	,	,	PUNCT
ajis02-2579	95	4	social	social	ADJ
ajis02-2579	95	5	influence	influence	NOUN
ajis02-2579	95	6	and	and	CCONJ
ajis02-2579	95	7	individual	individual	ADJ
ajis02-2579	95	8	characteristics	characteristic	NOUN
ajis02-2579	95	9	will	will	AUX
ajis02-2579	95	10	influence	influence	VERB
ajis02-2579	95	11	one	one	NUM
ajis02-2579	95	12	’s	’s	PART
ajis02-2579	95	13	perceptions	perception	NOUN
ajis02-2579	95	14	of	of	ADP
ajis02-2579	95	15	how	how	SCONJ
ajis02-2579	95	16	easy	easy	ADJ
ajis02-2579	95	17	it	it	PRON
ajis02-2579	95	18	is	be	AUX
ajis02-2579	95	19	to	to	PART
ajis02-2579	95	20	use	use	VERB
ajis02-2579	95	21	mobile	mobile	ADJ
ajis02-2579	95	22	money	money	NOUN
ajis02-2579	95	23	.	.	PUNCT
ajis02-2579	96	1	venkatesh	venkatesh	NOUN
ajis02-2579	96	2	et	et	PROPN
ajis02-2579	96	3	al	al	PROPN
ajis02-2579	96	4	.	.	PROPN
ajis02-2579	97	1	(	(	PUNCT
ajis02-2579	97	2	2012	2012	NUM
ajis02-2579	97	3	)	)	PUNCT
ajis02-2579	97	4	contend	contend	VERB
ajis02-2579	97	5	that	that	SCONJ
ajis02-2579	97	6	mobile	mobile	ADJ
ajis02-2579	97	7	device	device	NOUN
ajis02-2579	97	8	consumers	consumer	NOUN
ajis02-2579	97	9	are	be	AUX
ajis02-2579	97	10	highly	highly	ADV
ajis02-2579	97	11	diverse	diverse	ADJ
ajis02-2579	97	12	and	and	CCONJ
ajis02-2579	97	13	factors	factor	NOUN
ajis02-2579	97	14	such	such	ADJ
ajis02-2579	97	15	as	as	ADP
ajis02-2579	97	16	age	age	NOUN
ajis02-2579	97	17	,	,	PUNCT
ajis02-2579	97	18	gender	gender	NOUN
ajis02-2579	97	19	,	,	PUNCT
ajis02-2579	97	20	and	and	CCONJ
ajis02-2579	97	21	experience	experience	NOUN
ajis02-2579	97	22	(	(	PUNCT
ajis02-2579	97	23	education	education	NOUN
ajis02-2579	97	24	)	)	PUNCT
ajis02-2579	97	25	(	(	PUNCT
ajis02-2579	97	26	agarwal	agarwal	PROPN
ajis02-2579	97	27	and	and	CCONJ
ajis02-2579	97	28	prasad	prasad	PROPN
ajis02-2579	97	29	,	,	PUNCT
ajis02-2579	97	30	1999	1999	NUM
ajis02-2579	97	31	;	;	PUNCT
ajis02-2579	97	32	porter	porter	NOUN
ajis02-2579	97	33	and	and	CCONJ
ajis02-2579	97	34	donthu	donthu	PROPN
ajis02-2579	97	35	,	,	PUNCT
ajis02-2579	97	36	2006	2006	NUM
ajis02-2579	97	37	;	;	PUNCT
ajis02-2579	97	38	yang	yang	PROPN
ajis02-2579	97	39	,	,	PUNCT
ajis02-2579	97	40	2005	2005	NUM
ajis02-2579	97	41	)	)	PUNCT
ajis02-2579	97	42	will	will	AUX
ajis02-2579	97	43	have	have	VERB
ajis02-2579	97	44	a	a	DET
ajis02-2579	97	45	direct	direct	ADJ
ajis02-2579	97	46	impact	impact	NOUN
ajis02-2579	97	47	on	on	ADP
ajis02-2579	97	48	user	user	NOUN
ajis02-2579	97	49	perceptions	perception	NOUN
ajis02-2579	97	50	of	of	ADP
ajis02-2579	97	51	mobile	mobile	ADJ
ajis02-2579	97	52	money	money	NOUN
ajis02-2579	97	53	,	,	PUNCT
ajis02-2579	97	54	particularly	particularly	ADV
ajis02-2579	97	55	in	in	ADP
ajis02-2579	97	56	terms	term	NOUN
ajis02-2579	97	57	of	of	ADP
ajis02-2579	97	58	perceived	perceive	VERB
ajis02-2579	97	59	ease	ease	NOUN
ajis02-2579	97	60	of	of	ADP
ajis02-2579	97	61	use	use	NOUN
ajis02-2579	97	62	.	.	PUNCT
ajis02-2579	98	1	females	female	NOUN
ajis02-2579	98	2	may	may	AUX
ajis02-2579	98	3	face	face	VERB
ajis02-2579	98	4	greater	great	ADJ
ajis02-2579	98	5	difficulties	difficulty	NOUN
ajis02-2579	98	6	in	in	ADP
ajis02-2579	98	7	processing	processing	NOUN
ajis02-2579	98	8	information	information	NOUN
ajis02-2579	98	9	or	or	CCONJ
ajis02-2579	98	10	using	use	VERB
ajis02-2579	98	11	technology	technology	NOUN
ajis02-2579	98	12	and	and	CCONJ
ajis02-2579	98	13	thus	thus	ADV
ajis02-2579	98	14	may	may	AUX
ajis02-2579	98	15	require	require	VERB
ajis02-2579	98	16	more	more	ADJ
ajis02-2579	98	17	support	support	NOUN
ajis02-2579	98	18	,	,	PUNCT
ajis02-2579	98	19	compared	compare	VERB
ajis02-2579	98	20	to	to	ADP
ajis02-2579	98	21	their	their	PRON
ajis02-2579	98	22	male	male	ADJ
ajis02-2579	98	23	counterparts	counterpart	NOUN
ajis02-2579	98	24	(	(	PUNCT
ajis02-2579	98	25	venkatesh	venkatesh	PROPN
ajis02-2579	98	26	et	et	PROPN
ajis02-2579	98	27	al	al	PROPN
ajis02-2579	98	28	.	.	PROPN
ajis02-2579	98	29	,	,	PUNCT
ajis02-2579	98	30	2012	2012	NUM
ajis02-2579	98	31	)	)	PUNCT
ajis02-2579	98	32	.	.	PUNCT
ajis02-2579	99	1	however	however	ADV
ajis02-2579	99	2	,	,	PUNCT
ajis02-2579	99	3	greater	great	ADJ
ajis02-2579	99	4	experience	experience	NOUN
ajis02-2579	99	5	(	(	PUNCT
ajis02-2579	99	6	education	education	NOUN
ajis02-2579	99	7	)	)	PUNCT
ajis02-2579	99	8	can	can	AUX
ajis02-2579	99	9	moderate	moderate	VERB
ajis02-2579	99	10	perceptions	perception	NOUN
ajis02-2579	99	11	as	as	SCONJ
ajis02-2579	99	12	the	the	DET
ajis02-2579	99	13	user	user	NOUN
ajis02-2579	99	14	becomes	become	VERB
ajis02-2579	99	15	more	more	ADV
ajis02-2579	99	16	familiar	familiar	ADJ
ajis02-2579	99	17	with	with	ADP
ajis02-2579	99	18	using	use	VERB
ajis02-2579	99	19	the	the	DET
ajis02-2579	99	20	technology	technology	NOUN
ajis02-2579	99	21	and	and	CCONJ
ajis02-2579	99	22	will	will	AUX
ajis02-2579	99	23	be	be	AUX
ajis02-2579	99	24	less	less	ADV
ajis02-2579	99	25	inclined	inclined	ADJ
ajis02-2579	99	26	to	to	PART
ajis02-2579	99	27	rely	rely	VERB
ajis02-2579	99	28	on	on	ADP
ajis02-2579	99	29	external	external	ADJ
ajis02-2579	99	30	support	support	NOUN
ajis02-2579	99	31	(	(	PUNCT
ajis02-2579	99	32	venkatesh	venkatesh	PROPN
ajis02-2579	99	33	et	et	PROPN
ajis02-2579	99	34	al	al	PROPN
ajis02-2579	99	35	.	.	PROPN
ajis02-2579	99	36	,	,	PUNCT
ajis02-2579	99	37	2012	2012	NUM
ajis02-2579	99	38	)	)	PUNCT
ajis02-2579	99	39	.	.	PUNCT
ajis02-2579	100	1	in	in	ADP
ajis02-2579	100	2	line	line	NOUN
ajis02-2579	100	3	with	with	ADP
ajis02-2579	100	4	these	these	DET
ajis02-2579	100	5	views	view	NOUN
ajis02-2579	100	6	,	,	PUNCT
ajis02-2579	100	7	we	we	PRON
ajis02-2579	100	8	hypothesise	hypothesise	VERB
ajis02-2579	100	9	the	the	DET
ajis02-2579	100	10	following	following	NOUN
ajis02-2579	100	11	:	:	PUNCT
ajis02-2579	100	12	h8	h8	PROPN
ajis02-2579	100	13	:	:	PUNCT
ajis02-2579	100	14	there	there	PRON
ajis02-2579	100	15	is	be	VERB
ajis02-2579	100	16	a	a	DET
ajis02-2579	100	17	positive	positive	ADJ
ajis02-2579	100	18	relationship	relationship	NOUN
ajis02-2579	100	19	between	between	ADP
ajis02-2579	100	20	education	education	NOUN
ajis02-2579	100	21	level	level	NOUN
ajis02-2579	100	22	(	(	PUNCT
ajis02-2579	100	23	experience	experience	NOUN
ajis02-2579	100	24	)	)	PUNCT
ajis02-2579	100	25	and	and	CCONJ
ajis02-2579	100	26	perceptions	perception	NOUN
ajis02-2579	100	27	of	of	ADP
ajis02-2579	100	28	mobile	mobile	ADJ
ajis02-2579	100	29	money	money	NOUN
ajis02-2579	100	30	as	as	ADP
ajis02-2579	100	31	easy	easy	ADJ
ajis02-2579	100	32	to	to	PART
ajis02-2579	100	33	use	use	VERB
ajis02-2579	100	34	.	.	PUNCT
ajis02-2579	101	1	h9	h9	NOUN
ajis02-2579	101	2	:	:	PUNCT
ajis02-2579	101	3	there	there	PRON
ajis02-2579	101	4	is	be	VERB
ajis02-2579	101	5	a	a	DET
ajis02-2579	101	6	negative	negative	ADJ
ajis02-2579	101	7	relationship	relationship	NOUN
ajis02-2579	101	8	between	between	ADP
ajis02-2579	101	9	female	female	ADJ
ajis02-2579	101	10	users	user	NOUN
ajis02-2579	101	11	and	and	CCONJ
ajis02-2579	101	12	perceptions	perception	NOUN
ajis02-2579	101	13	of	of	ADP
ajis02-2579	101	14	mobile	mobile	ADJ
ajis02-2579	101	15	money	money	NOUN
ajis02-2579	101	16	as	as	ADP
ajis02-2579	101	17	easy	easy	ADJ
ajis02-2579	101	18	to	to	PART
ajis02-2579	101	19	use	use	VERB
ajis02-2579	101	20	.	.	PUNCT
ajis02-2579	102	1	3.6	3.6	NUM
ajis02-2579	102	2	control	control	NOUN
ajis02-2579	102	3	variables	variable	NOUN
ajis02-2579	102	4	to	to	PART
ajis02-2579	102	5	fully	fully	ADV
ajis02-2579	102	6	account	account	VERB
ajis02-2579	102	7	for	for	ADP
ajis02-2579	102	8	the	the	DET
ajis02-2579	102	9	differences	difference	NOUN
ajis02-2579	102	10	among	among	ADP
ajis02-2579	102	11	individuals	individual	NOUN
ajis02-2579	102	12	and	and	CCONJ
ajis02-2579	102	13	the	the	DET
ajis02-2579	102	14	organisations	organisation	NOUN
ajis02-2579	102	15	that	that	PRON
ajis02-2579	102	16	provide	provide	VERB
ajis02-2579	102	17	mobile	mobile	ADJ
ajis02-2579	102	18	money	money	NOUN
ajis02-2579	102	19	,	,	PUNCT
ajis02-2579	102	20	we	we	PRON
ajis02-2579	102	21	include	include	VERB
ajis02-2579	102	22	four	four	NUM
ajis02-2579	102	23	control	control	NOUN
ajis02-2579	102	24	variables	variable	NOUN
ajis02-2579	102	25	that	that	PRON
ajis02-2579	102	26	characterise	characterise	VERB
ajis02-2579	102	27	our	our	PRON
ajis02-2579	102	28	unit	unit	NOUN
ajis02-2579	102	29	of	of	ADP
ajis02-2579	102	30	analysis	analysis	NOUN
ajis02-2579	102	31	(	(	PUNCT
ajis02-2579	102	32	liang	liang	PROPN
ajis02-2579	102	33	et	et	PROPN
ajis02-2579	102	34	al	al	PROPN
ajis02-2579	102	35	.	.	PROPN
ajis02-2579	102	36	,	,	PUNCT
ajis02-2579	102	37	2007	2007	NUM
ajis02-2579	102	38	)	)	PUNCT
ajis02-2579	102	39	.	.	PUNCT
ajis02-2579	103	1	these	these	DET
ajis02-2579	103	2	control	control	NOUN
ajis02-2579	103	3	variables	variable	NOUN
ajis02-2579	103	4	are	be	AUX
ajis02-2579	103	5	referred	refer	VERB
ajis02-2579	103	6	to	to	ADP
ajis02-2579	103	7	as	as	ADP
ajis02-2579	103	8	facilitating	facilitate	VERB
ajis02-2579	103	9	conditions	condition	NOUN
ajis02-2579	103	10	(	(	PUNCT
ajis02-2579	103	11	absorptive	absorptive	ADJ
ajis02-2579	103	12	capacity	capacity	NOUN
ajis02-2579	103	13	)	)	PUNCT
ajis02-2579	103	14	,	,	PUNCT
ajis02-2579	103	15	and	and	CCONJ
ajis02-2579	103	16	comprise	comprise	VERB
ajis02-2579	103	17	age	age	NOUN
ajis02-2579	103	18	,	,	PUNCT
ajis02-2579	103	19	income	income	NOUN
ajis02-2579	103	20	,	,	PUNCT
ajis02-2579	103	21	provider	provider	NOUN
ajis02-2579	103	22	size	size	NOUN
ajis02-2579	103	23	,	,	PUNCT
ajis02-2579	103	24	and	and	CCONJ
ajis02-2579	103	25	marketing	marketing	NOUN
ajis02-2579	103	26	advertisement	advertisement	NOUN
ajis02-2579	103	27	.	.	PUNCT
ajis02-2579	104	1	facilitating	facilitate	VERB
ajis02-2579	104	2	conditions	condition	NOUN
ajis02-2579	104	3	involve	involve	VERB
ajis02-2579	104	4	the	the	DET
ajis02-2579	104	5	individual	individual	NOUN
ajis02-2579	104	6	’s	’s	PART
ajis02-2579	104	7	ability	ability	NOUN
ajis02-2579	104	8	to	to	PART
ajis02-2579	104	9	use	use	VERB
ajis02-2579	104	10	is	be	AUX
ajis02-2579	104	11	when	when	SCONJ
ajis02-2579	104	12	conditions	condition	NOUN
ajis02-2579	104	13	are	be	AUX
ajis02-2579	104	14	conducive	conducive	ADJ
ajis02-2579	104	15	to	to	ADP
ajis02-2579	104	16	their	their	PRON
ajis02-2579	104	17	adoption	adoption	NOUN
ajis02-2579	104	18	.	.	PUNCT
ajis02-2579	105	1	it	it	PRON
ajis02-2579	105	2	is	be	AUX
ajis02-2579	105	3	similar	similar	ADJ
ajis02-2579	105	4	to	to	ADP
ajis02-2579	105	5	the	the	DET
ajis02-2579	105	6	capacity	capacity	NOUN
ajis02-2579	105	7	of	of	ADP
ajis02-2579	105	8	organisations	organisation	NOUN
ajis02-2579	105	9	to	to	PART
ajis02-2579	105	10	assimilate	assimilate	VERB
ajis02-2579	105	11	new	new	ADJ
ajis02-2579	105	12	it	it	PRON
ajis02-2579	105	13	/	/	PUNCT
ajis02-2579	105	14	is	be	AUX
ajis02-2579	105	15	systems	system	NOUN
ajis02-2579	105	16	into	into	ADP
ajis02-2579	105	17	their	their	PRON
ajis02-2579	105	18	existing	exist	VERB
ajis02-2579	105	19	processes	process	NOUN
ajis02-2579	105	20	.	.	PUNCT
ajis02-2579	106	1	for	for	ADP
ajis02-2579	106	2	the	the	DET
ajis02-2579	106	3	purposes	purpose	NOUN
ajis02-2579	106	4	of	of	ADP
ajis02-2579	106	5	this	this	DET
ajis02-2579	106	6	paper	paper	NOUN
ajis02-2579	106	7	,	,	PUNCT
ajis02-2579	106	8	we	we	PRON
ajis02-2579	106	9	suggest	suggest	VERB
ajis02-2579	106	10	that	that	SCONJ
ajis02-2579	106	11	facilitating	facilitate	VERB
ajis02-2579	106	12	conditions	condition	NOUN
ajis02-2579	106	13	also	also	ADV
ajis02-2579	106	14	involves	involve	VERB
ajis02-2579	106	15	the	the	DET
ajis02-2579	106	16	link	link	NOUN
ajis02-2579	106	17	between	between	ADP
ajis02-2579	106	18	the	the	DET
ajis02-2579	106	19	mno	mno	PROPN
ajis02-2579	106	20	’s	’s	PART
ajis02-2579	106	21	capacity	capacity	NOUN
ajis02-2579	106	22	to	to	PART
ajis02-2579	106	23	make	make	VERB
ajis02-2579	106	24	their	their	PRON
ajis02-2579	106	25	mobile	mobile	ADJ
ajis02-2579	106	26	money	money	NOUN
ajis02-2579	106	27	system	system	NOUN
ajis02-2579	106	28	userfriendly	userfriendly	ADV
ajis02-2579	106	29	and	and	CCONJ
ajis02-2579	106	30	the	the	DET
ajis02-2579	106	31	ability	ability	NOUN
ajis02-2579	106	32	of	of	ADP
ajis02-2579	106	33	the	the	DET
ajis02-2579	106	34	user	user	NOUN
ajis02-2579	106	35	to	to	PART
ajis02-2579	106	36	use	use	VERB
ajis02-2579	106	37	it	it	PRON
ajis02-2579	106	38	with	with	ADP
ajis02-2579	106	39	minimum	minimum	ADJ
ajis02-2579	106	40	effort	effort	NOUN
ajis02-2579	106	41	.	.	PUNCT
ajis02-2579	107	1	our	our	PRON
ajis02-2579	107	2	study	study	NOUN
ajis02-2579	107	3	controls	control	VERB
ajis02-2579	107	4	for	for	ADP
ajis02-2579	107	5	age	age	NOUN
ajis02-2579	107	6	and	and	CCONJ
ajis02-2579	107	7	income	income	NOUN
ajis02-2579	107	8	differences	difference	NOUN
ajis02-2579	107	9	between	between	ADP
ajis02-2579	107	10	individual	individual	ADJ
ajis02-2579	107	11	users	user	NOUN
ajis02-2579	107	12	and	and	CCONJ
ajis02-2579	107	13	provider	provider	NOUN
ajis02-2579	107	14	size	size	NOUN
ajis02-2579	107	15	and	and	CCONJ
ajis02-2579	107	16	marketing	marketing	NOUN
ajis02-2579	107	17	strategies	strategy	NOUN
ajis02-2579	107	18	between	between	ADP
ajis02-2579	107	19	mobile	mobile	ADJ
ajis02-2579	107	20	money	money	NOUN
ajis02-2579	107	21	providers	provider	NOUN
ajis02-2579	107	22	as	as	SCONJ
ajis02-2579	107	23	each	each	PRON
ajis02-2579	107	24	of	of	ADP
ajis02-2579	107	25	these	these	DET
ajis02-2579	107	26	factors	factor	NOUN
ajis02-2579	107	27	may	may	AUX
ajis02-2579	107	28	impact	impact	VERB
ajis02-2579	107	29	on	on	ADP
ajis02-2579	107	30	user	user	NOUN
ajis02-2579	107	31	adoption	adoption	NOUN
ajis02-2579	107	32	and	and	CCONJ
ajis02-2579	107	33	australasian	australasian	ADJ
ajis02-2579	107	34	journal	journal	NOUN
ajis02-2579	107	35	of	of	ADP
ajis02-2579	107	36	information	information	NOUN
ajis02-2579	107	37	systems	system	NOUN
ajis02-2579	107	38	alhassan	alhassan	PROPN
ajis02-2579	107	39	,	,	PUNCT
ajis02-2579	107	40	li	li	PROPN
ajis02-2579	107	41	,	,	PUNCT
ajis02-2579	107	42	reddy	reddy	PROPN
ajis02-2579	107	43	&	&	CCONJ
ajis02-2579	107	44	duppati	duppati	PROPN
ajis02-2579	107	45	2020	2020	NUM
ajis02-2579	107	46	,	,	PUNCT
ajis02-2579	107	47	vol	vol	NOUN
ajis02-2579	107	48	24	24	NUM
ajis02-2579	107	49	,	,	PUNCT
ajis02-2579	107	50	research	research	NOUN
ajis02-2579	107	51	article	article	NOUN
ajis02-2579	107	52	consumer	consumer	NOUN
ajis02-2579	107	53	acceptance	acceptance	NOUN
ajis02-2579	107	54	and	and	CCONJ
ajis02-2579	107	55	continuance	continuance	NOUN
ajis02-2579	107	56	of	of	ADP
ajis02-2579	107	57	mobile	mobile	ADJ
ajis02-2579	107	58	money	money	NOUN
ajis02-2579	107	59	7	7	NUM
ajis02-2579	107	60	ongoing	ongoing	ADJ
ajis02-2579	107	61	use	use	NOUN
ajis02-2579	107	62	of	of	ADP
ajis02-2579	107	63	mobile	mobile	ADJ
ajis02-2579	107	64	money	money	NOUN
ajis02-2579	107	65	systems	system	NOUN
ajis02-2579	107	66	.	.	PUNCT
ajis02-2579	108	1	older	old	ADJ
ajis02-2579	108	2	consumers	consumer	NOUN
ajis02-2579	108	3	may	may	AUX
ajis02-2579	108	4	struggle	struggle	VERB
ajis02-2579	108	5	more	more	ADJ
ajis02-2579	108	6	to	to	PART
ajis02-2579	108	7	use	use	VERB
ajis02-2579	108	8	new	new	ADJ
ajis02-2579	108	9	systems	system	NOUN
ajis02-2579	108	10	,	,	PUNCT
ajis02-2579	108	11	such	such	ADJ
ajis02-2579	108	12	as	as	ADP
ajis02-2579	108	13	mobile	mobile	ADJ
ajis02-2579	108	14	money	money	NOUN
ajis02-2579	108	15	while	while	SCONJ
ajis02-2579	108	16	regulations	regulation	NOUN
ajis02-2579	108	17	may	may	AUX
ajis02-2579	108	18	also	also	ADV
ajis02-2579	108	19	restrict	restrict	VERB
ajis02-2579	108	20	very	very	ADV
ajis02-2579	108	21	young	young	ADJ
ajis02-2579	108	22	individuals	individual	NOUN
ajis02-2579	108	23	from	from	ADP
ajis02-2579	108	24	using	use	VERB
ajis02-2579	108	25	it	it	PRON
ajis02-2579	108	26	(	(	PUNCT
ajis02-2579	108	27	venkatesh	venkatesh	NOUN
ajis02-2579	108	28	et	et	PROPN
ajis02-2579	108	29	al	al	PROPN
ajis02-2579	108	30	.	.	PROPN
ajis02-2579	108	31	,	,	PUNCT
ajis02-2579	108	32	2012	2012	NUM
ajis02-2579	108	33	)	)	PUNCT
ajis02-2579	108	34	.	.	PUNCT
ajis02-2579	109	1	meanwhile	meanwhile	ADV
ajis02-2579	109	2	,	,	PUNCT
ajis02-2579	109	3	the	the	DET
ajis02-2579	109	4	purchasing	purchase	VERB
ajis02-2579	109	5	power	power	NOUN
ajis02-2579	109	6	of	of	ADP
ajis02-2579	109	7	affluent	affluent	ADJ
ajis02-2579	109	8	consumers	consumer	NOUN
ajis02-2579	109	9	may	may	AUX
ajis02-2579	109	10	increase	increase	VERB
ajis02-2579	109	11	their	their	PRON
ajis02-2579	109	12	likelihood	likelihood	NOUN
ajis02-2579	109	13	of	of	ADP
ajis02-2579	109	14	adopting	adopt	VERB
ajis02-2579	109	15	new	new	ADJ
ajis02-2579	109	16	technologies	technology	NOUN
ajis02-2579	109	17	compared	compare	VERB
ajis02-2579	109	18	to	to	ADP
ajis02-2579	109	19	poorer	poor	ADJ
ajis02-2579	109	20	consumers	consumer	NOUN
ajis02-2579	109	21	as	as	SCONJ
ajis02-2579	109	22	they	they	PRON
ajis02-2579	109	23	have	have	VERB
ajis02-2579	109	24	the	the	DET
ajis02-2579	109	25	ability	ability	NOUN
ajis02-2579	109	26	to	to	PART
ajis02-2579	109	27	select	select	VERB
ajis02-2579	109	28	those	those	PRON
ajis02-2579	109	29	which	which	PRON
ajis02-2579	109	30	are	be	AUX
ajis02-2579	109	31	most	most	ADV
ajis02-2579	109	32	suitable	suitable	ADJ
ajis02-2579	109	33	to	to	ADP
ajis02-2579	109	34	their	their	PRON
ajis02-2579	109	35	needs	need	NOUN
ajis02-2579	109	36	.	.	PUNCT
ajis02-2579	110	1	large	large	ADJ
ajis02-2579	110	2	provider	provider	NOUN
ajis02-2579	110	3	organisations	organisation	NOUN
ajis02-2579	110	4	may	may	AUX
ajis02-2579	110	5	have	have	VERB
ajis02-2579	110	6	a	a	DET
ajis02-2579	110	7	greater	great	ADJ
ajis02-2579	110	8	capacity	capacity	NOUN
ajis02-2579	110	9	to	to	ADP
ajis02-2579	110	10	market	market	NOUN
ajis02-2579	110	11	product	product	NOUN
ajis02-2579	110	12	and	and	CCONJ
ajis02-2579	110	13	services	service	NOUN
ajis02-2579	110	14	which	which	PRON
ajis02-2579	110	15	,	,	PUNCT
ajis02-2579	110	16	again	again	ADV
ajis02-2579	110	17	,	,	PUNCT
ajis02-2579	110	18	may	may	AUX
ajis02-2579	110	19	influence	influence	VERB
ajis02-2579	110	20	levels	level	NOUN
ajis02-2579	110	21	of	of	ADP
ajis02-2579	110	22	uptake	uptake	ADJ
ajis02-2579	110	23	and	and	CCONJ
ajis02-2579	110	24	ongoing	ongoing	ADJ
ajis02-2579	110	25	usage	usage	NOUN
ajis02-2579	110	26	.	.	PUNCT
ajis02-2579	111	1	figure	figure	NOUN
ajis02-2579	111	2	1	1	NUM
ajis02-2579	111	3	provides	provide	VERB
ajis02-2579	111	4	the	the	DET
ajis02-2579	111	5	hypothesised	hypothesised	ADJ
ajis02-2579	111	6	research	research	NOUN
ajis02-2579	111	7	model	model	NOUN
ajis02-2579	111	8	,	,	PUNCT
ajis02-2579	111	9	indicating	indicate	VERB
ajis02-2579	111	10	the	the	DET
ajis02-2579	111	11	direction	direction	NOUN
ajis02-2579	111	12	of	of	ADP
ajis02-2579	111	13	mediation	mediation	NOUN
ajis02-2579	111	14	.	.	PUNCT
ajis02-2579	112	1	figure	figure	NOUN
ajis02-2579	112	2	1	1	NUM
ajis02-2579	112	3	research	research	NOUN
ajis02-2579	112	4	mode	mode	NOUN
ajis02-2579	112	5	4	4	NUM
ajis02-2579	112	6	data	datum	NOUN
ajis02-2579	112	7	,	,	PUNCT
ajis02-2579	112	8	measurement	measurement	NOUN
ajis02-2579	112	9	of	of	ADP
ajis02-2579	112	10	variables	variable	NOUN
ajis02-2579	112	11	and	and	CCONJ
ajis02-2579	112	12	research	research	NOUN
ajis02-2579	112	13	method	method	NOUN
ajis02-2579	112	14	4.1	4.1	NUM
ajis02-2579	112	15	data	datum	NOUN
ajis02-2579	112	16	the	the	DET
ajis02-2579	112	17	data	datum	NOUN
ajis02-2579	112	18	for	for	ADP
ajis02-2579	112	19	the	the	DET
ajis02-2579	112	20	study	study	NOUN
ajis02-2579	112	21	is	be	AUX
ajis02-2579	112	22	obtained	obtain	VERB
ajis02-2579	112	23	from	from	ADP
ajis02-2579	112	24	gsma	gsma	NOUN
ajis02-2579	112	25	.	.	PUNCT
ajis02-2579	113	1	the	the	DET
ajis02-2579	113	2	gsma	gsma	NOUN
ajis02-2579	113	3	is	be	AUX
ajis02-2579	113	4	a	a	DET
ajis02-2579	113	5	subsidiary	subsidiary	NOUN
ajis02-2579	113	6	of	of	ADP
ajis02-2579	113	7	groupe	groupe	ADJ
ajis02-2579	113	8	speciale	speciale	PROPN
ajis02-2579	113	9	mobile	mobile	NOUN
ajis02-2579	113	10	(	(	PUNCT
ajis02-2579	113	11	gsm	gsm	NOUN
ajis02-2579	113	12	)	)	PUNCT
ajis02-2579	113	13	,	,	PUNCT
ajis02-2579	113	14	which	which	PRON
ajis02-2579	113	15	was	be	AUX
ajis02-2579	113	16	formed	form	VERB
ajis02-2579	113	17	in	in	ADP
ajis02-2579	113	18	1982	1982	NUM
ajis02-2579	113	19	by	by	ADP
ajis02-2579	113	20	the	the	DET
ajis02-2579	113	21	confederation	confederation	NOUN
ajis02-2579	113	22	of	of	ADP
ajis02-2579	113	23	european	european	ADJ
ajis02-2579	113	24	posts	post	NOUN
ajis02-2579	113	25	and	and	CCONJ
ajis02-2579	113	26	telecommunications	telecommunication	NOUN
ajis02-2579	113	27	(	(	PUNCT
ajis02-2579	113	28	cept	cept	NOUN
ajis02-2579	113	29	)	)	PUNCT
ajis02-2579	113	30	to	to	PART
ajis02-2579	113	31	design	design	VERB
ajis02-2579	113	32	a	a	DET
ajis02-2579	113	33	pan	pan	ADJ
ajis02-2579	113	34	-	-	ADJ
ajis02-2579	113	35	european	european	ADJ
ajis02-2579	113	36	mobile	mobile	ADJ
ajis02-2579	113	37	technology	technology	NOUN
ajis02-2579	113	38	.	.	PUNCT
ajis02-2579	114	1	the	the	DET
ajis02-2579	114	2	gsma	gsma	NOUN
ajis02-2579	114	3	mobile	mobile	PROPN
ajis02-2579	114	4	for	for	ADP
ajis02-2579	114	5	development	development	NOUN
ajis02-2579	114	6	foundation	foundation	PROPN
ajis02-2579	114	7	,	,	PUNCT
ajis02-2579	114	8	incorporation	incorporation	NOUN
ajis02-2579	114	9	was	be	AUX
ajis02-2579	114	10	created	create	VERB
ajis02-2579	114	11	in	in	ADP
ajis02-2579	114	12	2007	2007	NUM
ajis02-2579	114	13	to	to	PART
ajis02-2579	114	14	demonstrate	demonstrate	VERB
ajis02-2579	114	15	the	the	DET
ajis02-2579	114	16	positive	positive	ADJ
ajis02-2579	114	17	social	social	ADJ
ajis02-2579	114	18	impact	impact	NOUN
ajis02-2579	114	19	of	of	ADP
ajis02-2579	114	20	mobile	mobile	ADJ
ajis02-2579	114	21	technology	technology	NOUN
ajis02-2579	114	22	,	,	PUNCT
ajis02-2579	114	23	bringing	bring	VERB
ajis02-2579	114	24	together	together	ADV
ajis02-2579	114	25	mobile	mobile	ADJ
ajis02-2579	114	26	operators	operator	NOUN
ajis02-2579	114	27	,	,	PUNCT
ajis02-2579	114	28	donors	donor	NOUN
ajis02-2579	114	29	and	and	CCONJ
ajis02-2579	114	30	the	the	DET
ajis02-2579	114	31	international	international	ADJ
ajis02-2579	114	32	development	development	NOUN
ajis02-2579	114	33	community	community	NOUN
ajis02-2579	114	34	.	.	PUNCT
ajis02-2579	115	1	they	they	PRON
ajis02-2579	115	2	also	also	ADV
ajis02-2579	115	3	collect	collect	VERB
ajis02-2579	115	4	data	datum	NOUN
ajis02-2579	115	5	known	know	VERB
ajis02-2579	115	6	as	as	ADP
ajis02-2579	115	7	the	the	DET
ajis02-2579	115	8	global	global	ADJ
ajis02-2579	115	9	mobile	mobile	ADJ
ajis02-2579	115	10	money	money	NOUN
ajis02-2579	115	11	dataset	dataset	VERB
ajis02-2579	115	12	.	.	PUNCT
ajis02-2579	116	1	this	this	PRON
ajis02-2579	116	2	is	be	AUX
ajis02-2579	116	3	a	a	DET
ajis02-2579	116	4	comprehensive	comprehensive	ADJ
ajis02-2579	116	5	set	set	NOUN
ajis02-2579	116	6	of	of	ADP
ajis02-2579	116	7	global	global	ADJ
ajis02-2579	116	8	metrics	metric	NOUN
ajis02-2579	116	9	for	for	ADP
ajis02-2579	116	10	the	the	DET
ajis02-2579	116	11	mobile	mobile	ADJ
ajis02-2579	116	12	money	money	NOUN
ajis02-2579	116	13	industry	industry	NOUN
ajis02-2579	116	14	,	,	PUNCT
ajis02-2579	116	15	measured	measure	VERB
ajis02-2579	116	16	on	on	ADP
ajis02-2579	116	17	a	a	DET
ajis02-2579	116	18	quarterly	quarterly	ADJ
ajis02-2579	116	19	or	or	CCONJ
ajis02-2579	116	20	monthly	monthly	ADJ
ajis02-2579	116	21	basis	basis	NOUN
ajis02-2579	116	22	depending	depend	VERB
ajis02-2579	116	23	on	on	ADP
ajis02-2579	116	24	the	the	DET
ajis02-2579	116	25	metric	metric	NOUN
ajis02-2579	116	26	.	.	PUNCT
ajis02-2579	117	1	among	among	ADP
ajis02-2579	117	2	the	the	DET
ajis02-2579	117	3	dataset	dataset	NOUN
ajis02-2579	117	4	is	be	AUX
ajis02-2579	117	5	the	the	DET
ajis02-2579	117	6	mobile	mobile	ADJ
ajis02-2579	117	7	money	money	NOUN
ajis02-2579	117	8	regulatory	regulatory	ADJ
ajis02-2579	117	9	index	index	NOUN
ajis02-2579	117	10	,	,	PUNCT
ajis02-2579	117	11	the	the	DET
ajis02-2579	117	12	mobile	mobile	ADJ
ajis02-2579	117	13	money	money	NOUN
ajis02-2579	117	14	deployment	deployment	NOUN
ajis02-2579	117	15	tracker	tracker	NOUN
ajis02-2579	117	16	that	that	PRON
ajis02-2579	117	17	comprises	comprise	VERB
ajis02-2579	117	18	live	live	ADJ
ajis02-2579	117	19	services	service	NOUN
ajis02-2579	117	20	,	,	PUNCT
ajis02-2579	117	21	registered	registered	ADJ
ajis02-2579	117	22	agents	agent	NOUN
ajis02-2579	117	23	,	,	PUNCT
ajis02-2579	117	24	registered	register	VERB
ajis02-2579	117	25	accounts	account	NOUN
ajis02-2579	117	26	,	,	PUNCT
ajis02-2579	117	27	and	and	CCONJ
ajis02-2579	117	28	the	the	DET
ajis02-2579	117	29	volume	volume	NOUN
ajis02-2579	117	30	and	and	CCONJ
ajis02-2579	117	31	value	value	NOUN
ajis02-2579	117	32	of	of	ADP
ajis02-2579	117	33	transactions	transaction	NOUN
ajis02-2579	117	34	.	.	PUNCT
ajis02-2579	118	1	these	these	DET
ajis02-2579	118	2	datasets	dataset	NOUN
ajis02-2579	118	3	represent	represent	VERB
ajis02-2579	118	4	one	one	NUM
ajis02-2579	118	5	of	of	ADP
ajis02-2579	118	6	the	the	DET
ajis02-2579	118	7	most	most	ADV
ajis02-2579	118	8	current	current	ADJ
ajis02-2579	118	9	sources	source	NOUN
ajis02-2579	118	10	of	of	ADP
ajis02-2579	118	11	information	information	NOUN
ajis02-2579	118	12	about	about	ADP
ajis02-2579	118	13	the	the	DET
ajis02-2579	118	14	mobile	mobile	ADJ
ajis02-2579	118	15	money	money	NOUN
ajis02-2579	118	16	industry	industry	NOUN
ajis02-2579	118	17	.	.	PUNCT
ajis02-2579	119	1	our	our	PRON
ajis02-2579	119	2	study	study	NOUN
ajis02-2579	119	3	used	use	VERB
ajis02-2579	119	4	these	these	DET
ajis02-2579	119	5	datasets	dataset	NOUN
ajis02-2579	119	6	to	to	PART
ajis02-2579	119	7	understand	understand	VERB
ajis02-2579	119	8	the	the	DET
ajis02-2579	119	9	drivers	driver	NOUN
ajis02-2579	119	10	of	of	ADP
ajis02-2579	119	11	mobile	mobile	ADJ
ajis02-2579	119	12	money	money	NOUN
ajis02-2579	119	13	adoption	adoption	NOUN
ajis02-2579	119	14	and	and	CCONJ
ajis02-2579	119	15	ongoing	ongoing	ADJ
ajis02-2579	119	16	usage	usage	NOUN
ajis02-2579	119	17	.	.	PUNCT
ajis02-2579	120	1	for	for	ADP
ajis02-2579	120	2	the	the	DET
ajis02-2579	120	3	regulation	regulation	NOUN
ajis02-2579	120	4	variable	variable	NOUN
ajis02-2579	120	5	,	,	PUNCT
ajis02-2579	120	6	we	we	PRON
ajis02-2579	120	7	used	use	VERB
ajis02-2579	120	8	the	the	DET
ajis02-2579	120	9	mobile	mobile	ADJ
ajis02-2579	120	10	money	money	NOUN
ajis02-2579	120	11	australasian	australasian	ADJ
ajis02-2579	120	12	journal	journal	NOUN
ajis02-2579	120	13	of	of	ADP
ajis02-2579	120	14	information	information	NOUN
ajis02-2579	120	15	systems	system	NOUN
ajis02-2579	120	16	alhassan	alhassan	PROPN
ajis02-2579	120	17	,	,	PUNCT
ajis02-2579	120	18	li	li	PROPN
ajis02-2579	120	19	,	,	PUNCT
ajis02-2579	120	20	reddy	reddy	PROPN
ajis02-2579	120	21	&	&	CCONJ
ajis02-2579	120	22	duppati	duppati	PROPN
ajis02-2579	120	23	2020	2020	NUM
ajis02-2579	120	24	,	,	PUNCT
ajis02-2579	120	25	vol	vol	NOUN
ajis02-2579	120	26	24	24	NUM
ajis02-2579	120	27	,	,	PUNCT
ajis02-2579	120	28	research	research	NOUN
ajis02-2579	120	29	article	article	NOUN
ajis02-2579	120	30	consumer	consumer	NOUN
ajis02-2579	120	31	acceptance	acceptance	NOUN
ajis02-2579	120	32	and	and	CCONJ
ajis02-2579	120	33	continuance	continuance	NOUN
ajis02-2579	120	34	of	of	ADP
ajis02-2579	120	35	mobile	mobile	ADJ
ajis02-2579	120	36	money	money	NOUN
ajis02-2579	120	37	8	8	NUM
ajis02-2579	120	38	regulatory	regulatory	ADJ
ajis02-2579	120	39	index	index	NOUN
ajis02-2579	120	40	,	,	PUNCT
ajis02-2579	120	41	which	which	PRON
ajis02-2579	120	42	scores	score	VERB
ajis02-2579	120	43	countries	country	NOUN
ajis02-2579	120	44	based	base	VERB
ajis02-2579	120	45	on	on	ADP
ajis02-2579	120	46	the	the	DET
ajis02-2579	120	47	extent	extent	NOUN
ajis02-2579	120	48	to	to	PART
ajis02-2579	120	49	which	which	PRON
ajis02-2579	120	50	their	their	PRON
ajis02-2579	120	51	regulatory	regulatory	ADJ
ajis02-2579	120	52	framework	framework	NOUN
ajis02-2579	120	53	enables	enable	VERB
ajis02-2579	120	54	widespread	widespread	ADJ
ajis02-2579	120	55	mobile	mobile	ADJ
ajis02-2579	120	56	money	money	NOUN
ajis02-2579	120	57	adoption	adoption	NOUN
ajis02-2579	120	58	.	.	PUNCT
ajis02-2579	121	1	scores	score	NOUN
ajis02-2579	121	2	range	range	VERB
ajis02-2579	121	3	between	between	ADP
ajis02-2579	121	4	0	0	NUM
ajis02-2579	121	5	-	-	SYM
ajis02-2579	121	6	100	100	NUM
ajis02-2579	121	7	,	,	PUNCT
ajis02-2579	121	8	with	with	ADP
ajis02-2579	121	9	a	a	DET
ajis02-2579	121	10	higher	high	ADJ
ajis02-2579	121	11	score	score	NOUN
ajis02-2579	121	12	associated	associate	VERB
ajis02-2579	121	13	with	with	ADP
ajis02-2579	121	14	more	more	ADJ
ajis02-2579	121	15	enabling	enabling	ADJ
ajis02-2579	121	16	regulations	regulation	NOUN
ajis02-2579	121	17	.	.	PUNCT
ajis02-2579	122	1	each	each	DET
ajis02-2579	122	2	mobile	mobile	ADJ
ajis02-2579	122	3	money	money	NOUN
ajis02-2579	122	4	deployment	deployment	NOUN
ajis02-2579	122	5	(	(	PUNCT
ajis02-2579	122	6	live	live	ADJ
ajis02-2579	122	7	service	service	NOUN
ajis02-2579	122	8	)	)	PUNCT
ajis02-2579	122	9	is	be	AUX
ajis02-2579	122	10	associated	associate	VERB
ajis02-2579	122	11	with	with	ADP
ajis02-2579	122	12	a	a	DET
ajis02-2579	122	13	regulatory	regulatory	ADJ
ajis02-2579	122	14	index	index	NOUN
ajis02-2579	122	15	,	,	PUNCT
ajis02-2579	122	16	so	so	SCONJ
ajis02-2579	122	17	account	account	NOUN
ajis02-2579	122	18	owners	owner	NOUN
ajis02-2579	122	19	are	be	AUX
ajis02-2579	122	20	able	able	ADJ
ajis02-2579	122	21	to	to	PART
ajis02-2579	122	22	discern	discern	VERB
ajis02-2579	122	23	if	if	SCONJ
ajis02-2579	122	24	enabling	enable	VERB
ajis02-2579	122	25	regulations	regulation	NOUN
ajis02-2579	122	26	have	have	AUX
ajis02-2579	122	27	had	have	VERB
ajis02-2579	122	28	an	an	DET
ajis02-2579	122	29	impact	impact	NOUN
ajis02-2579	122	30	on	on	ADP
ajis02-2579	122	31	their	their	PRON
ajis02-2579	122	32	attitudes	attitude	NOUN
ajis02-2579	122	33	and	and	CCONJ
ajis02-2579	122	34	intentions	intention	NOUN
ajis02-2579	122	35	to	to	PART
ajis02-2579	122	36	adopt	adopt	VERB
ajis02-2579	122	37	and	and	CCONJ
ajis02-2579	122	38	use	use	VERB
ajis02-2579	122	39	mobile	mobile	ADJ
ajis02-2579	122	40	money	money	NOUN
ajis02-2579	122	41	.	.	PUNCT
ajis02-2579	123	1	the	the	DET
ajis02-2579	123	2	gsma	gsma	NOUN
ajis02-2579	123	3	defines	define	VERB
ajis02-2579	123	4	a	a	DET
ajis02-2579	123	5	mobile	mobile	ADJ
ajis02-2579	123	6	money	money	NOUN
ajis02-2579	123	7	service	service	NOUN
ajis02-2579	123	8	as	as	ADP
ajis02-2579	123	9	a	a	DET
ajis02-2579	123	10	service	service	NOUN
ajis02-2579	123	11	that	that	PRON
ajis02-2579	123	12	includes	include	VERB
ajis02-2579	123	13	transferring	transfer	VERB
ajis02-2579	123	14	money	money	NOUN
ajis02-2579	123	15	and	and	CCONJ
ajis02-2579	123	16	making	make	VERB
ajis02-2579	123	17	payments	payment	NOUN
ajis02-2579	123	18	using	use	VERB
ajis02-2579	123	19	the	the	DET
ajis02-2579	123	20	mobile	mobile	ADJ
ajis02-2579	123	21	phone	phone	NOUN
ajis02-2579	123	22	.	.	PUNCT
ajis02-2579	124	1	for	for	SCONJ
ajis02-2579	124	2	a	a	DET
ajis02-2579	124	3	mobile	mobile	ADJ
ajis02-2579	124	4	money	money	NOUN
ajis02-2579	124	5	service	service	NOUN
ajis02-2579	124	6	to	to	PART
ajis02-2579	124	7	be	be	AUX
ajis02-2579	124	8	included	include	VERB
ajis02-2579	124	9	in	in	ADP
ajis02-2579	124	10	the	the	DET
ajis02-2579	124	11	mobile	mobile	ADJ
ajis02-2579	124	12	money	money	NOUN
ajis02-2579	124	13	deployment	deployment	NOUN
ajis02-2579	124	14	tracker	tracker	NOUN
ajis02-2579	124	15	,	,	PUNCT
ajis02-2579	124	16	it	it	PRON
ajis02-2579	124	17	must	must	AUX
ajis02-2579	124	18	meet	meet	VERB
ajis02-2579	124	19	the	the	DET
ajis02-2579	124	20	following	follow	VERB
ajis02-2579	124	21	criteria	criterion	NOUN
ajis02-2579	124	22	:	:	PUNCT
ajis02-2579	124	23	available	available	ADJ
ajis02-2579	124	24	to	to	ADP
ajis02-2579	124	25	the	the	DET
ajis02-2579	124	26	unbanked	unbanked	NOUN
ajis02-2579	124	27	;	;	PUNCT
ajis02-2579	124	28	offers	offer	VERB
ajis02-2579	124	29	a	a	DET
ajis02-2579	124	30	network	network	NOUN
ajis02-2579	124	31	of	of	ADP
ajis02-2579	124	32	physical	physical	ADJ
ajis02-2579	124	33	transactional	transactional	ADJ
ajis02-2579	124	34	points	point	NOUN
ajis02-2579	124	35	which	which	PRON
ajis02-2579	124	36	can	can	AUX
ajis02-2579	124	37	include	include	VERB
ajis02-2579	124	38	agents	agent	NOUN
ajis02-2579	124	39	;	;	PUNCT
ajis02-2579	124	40	separate	separate	ADJ
ajis02-2579	124	41	from	from	ADP
ajis02-2579	124	42	bank	bank	NOUN
ajis02-2579	124	43	branches	branch	NOUN
ajis02-2579	124	44	and	and	CCONJ
ajis02-2579	124	45	atms	atms	NOUN
ajis02-2579	124	46	,	,	PUNCT
ajis02-2579	124	47	making	make	VERB
ajis02-2579	124	48	the	the	DET
ajis02-2579	124	49	service	service	NOUN
ajis02-2579	124	50	widely	widely	ADV
ajis02-2579	124	51	accessible	accessible	ADJ
ajis02-2579	124	52	to	to	ADP
ajis02-2579	124	53	everyone	everyone	PRON
ajis02-2579	124	54	;	;	PUNCT
ajis02-2579	124	55	and	and	CCONJ
ajis02-2579	124	56	separate	separate	ADJ
ajis02-2579	124	57	from	from	ADP
ajis02-2579	124	58	payment	payment	NOUN
ajis02-2579	124	59	services	service	NOUN
ajis02-2579	124	60	such	such	ADJ
ajis02-2579	124	61	as	as	ADP
ajis02-2579	124	62	apple	apple	NOUN
ajis02-2579	124	63	pay	pay	NOUN
ajis02-2579	124	64	and	and	CCONJ
ajis02-2579	124	65	google	google	PROPN
ajis02-2579	124	66	wallet	wallet	NOUN
ajis02-2579	124	67	.	.	PUNCT
ajis02-2579	125	1	the	the	DET
ajis02-2579	125	2	global	global	PROPN
ajis02-2579	125	3	mobile	mobile	PROPN
ajis02-2579	125	4	money	money	NOUN
ajis02-2579	125	5	dataset	dataset	VERB
ajis02-2579	125	6	also	also	ADV
ajis02-2579	125	7	has	have	VERB
ajis02-2579	125	8	data	datum	NOUN
ajis02-2579	125	9	on	on	ADP
ajis02-2579	125	10	mobile	mobile	ADJ
ajis02-2579	125	11	cellular	cellular	ADJ
ajis02-2579	125	12	subscribers	subscriber	NOUN
ajis02-2579	125	13	and	and	CCONJ
ajis02-2579	125	14	the	the	DET
ajis02-2579	125	15	percentage	percentage	NOUN
ajis02-2579	125	16	of	of	ADP
ajis02-2579	125	17	rural	rural	ADJ
ajis02-2579	125	18	dwellers	dweller	NOUN
ajis02-2579	125	19	with	with	ADP
ajis02-2579	125	20	ict	ict	PROPN
ajis02-2579	125	21	infrastructure	infrastructure	NOUN
ajis02-2579	125	22	.	.	PUNCT
ajis02-2579	126	1	the	the	DET
ajis02-2579	126	2	percentage	percentage	NOUN
ajis02-2579	126	3	of	of	ADP
ajis02-2579	126	4	mobile	mobile	ADJ
ajis02-2579	126	5	cellular	cellular	ADJ
ajis02-2579	126	6	subscribers	subscriber	NOUN
ajis02-2579	126	7	for	for	ADP
ajis02-2579	126	8	every	every	DET
ajis02-2579	126	9	100	100	NUM
ajis02-2579	126	10	inhabitants	inhabitant	NOUN
ajis02-2579	126	11	and	and	CCONJ
ajis02-2579	126	12	the	the	DET
ajis02-2579	126	13	percentage	percentage	NOUN
ajis02-2579	126	14	of	of	ADP
ajis02-2579	126	15	population	population	NOUN
ajis02-2579	126	16	covered	cover	VERB
ajis02-2579	126	17	by	by	ADP
ajis02-2579	126	18	the	the	DET
ajis02-2579	126	19	mobile	mobile	ADJ
ajis02-2579	126	20	cellular	cellular	ADJ
ajis02-2579	126	21	network	network	NOUN
ajis02-2579	126	22	were	be	AUX
ajis02-2579	126	23	taken	take	VERB
ajis02-2579	126	24	from	from	ADP
ajis02-2579	126	25	the	the	DET
ajis02-2579	126	26	international	international	ADJ
ajis02-2579	126	27	telecommunications	telecommunication	NOUN
ajis02-2579	126	28	unit	unit	NOUN
ajis02-2579	126	29	(	(	PUNCT
ajis02-2579	126	30	itu	itu	PROPN
ajis02-2579	126	31	)	)	PUNCT
ajis02-2579	126	32	.	.	PUNCT
ajis02-2579	127	1	these	these	DET
ajis02-2579	127	2	data	datum	NOUN
ajis02-2579	127	3	were	be	AUX
ajis02-2579	127	4	cross	cross	ADJ
ajis02-2579	127	5	-	-	VERB
ajis02-2579	127	6	checked	check	VERB
ajis02-2579	127	7	with	with	ADP
ajis02-2579	127	8	data	datum	NOUN
ajis02-2579	127	9	from	from	ADP
ajis02-2579	127	10	the	the	DET
ajis02-2579	127	11	world	world	NOUN
ajis02-2579	127	12	bank	bank	NOUN
ajis02-2579	127	13	,	,	PUNCT
ajis02-2579	127	14	and	and	CCONJ
ajis02-2579	127	15	the	the	DET
ajis02-2579	127	16	differences	difference	NOUN
ajis02-2579	127	17	are	be	AUX
ajis02-2579	127	18	negligible	negligible	ADJ
ajis02-2579	127	19	.	.	PUNCT
ajis02-2579	128	1	data	datum	NOUN
ajis02-2579	128	2	on	on	ADP
ajis02-2579	128	3	the	the	DET
ajis02-2579	128	4	percentage	percentage	NOUN
ajis02-2579	128	5	of	of	ADP
ajis02-2579	128	6	the	the	DET
ajis02-2579	128	7	total	total	ADJ
ajis02-2579	128	8	population	population	NOUN
ajis02-2579	128	9	with	with	ADP
ajis02-2579	128	10	electricity	electricity	NOUN
ajis02-2579	128	11	consists	consist	VERB
ajis02-2579	128	12	of	of	ADP
ajis02-2579	128	13	the	the	DET
ajis02-2579	128	14	percentage	percentage	NOUN
ajis02-2579	128	15	of	of	ADP
ajis02-2579	128	16	the	the	DET
ajis02-2579	128	17	country	country	NOUN
ajis02-2579	128	18	’s	’s	PART
ajis02-2579	128	19	population	population	NOUN
ajis02-2579	128	20	that	that	PRON
ajis02-2579	128	21	is	be	AUX
ajis02-2579	128	22	connected	connect	VERB
ajis02-2579	128	23	to	to	ADP
ajis02-2579	128	24	the	the	DET
ajis02-2579	128	25	national	national	ADJ
ajis02-2579	128	26	grid	grid	NOUN
ajis02-2579	128	27	,	,	PUNCT
ajis02-2579	128	28	also	also	ADV
ajis02-2579	128	29	taken	take	VERB
ajis02-2579	128	30	from	from	ADP
ajis02-2579	128	31	itu	itu	PROPN
ajis02-2579	128	32	and	and	CCONJ
ajis02-2579	128	33	the	the	DET
ajis02-2579	128	34	world	world	PROPN
ajis02-2579	128	35	bank	bank	PROPN
ajis02-2579	128	36	.	.	PUNCT
ajis02-2579	129	1	the	the	DET
ajis02-2579	129	2	data	datum	NOUN
ajis02-2579	129	3	for	for	ADP
ajis02-2579	129	4	the	the	DET
ajis02-2579	129	5	cost	cost	NOUN
ajis02-2579	129	6	of	of	ADP
ajis02-2579	129	7	mobile	mobile	ADJ
ajis02-2579	129	8	money	money	NOUN
ajis02-2579	129	9	was	be	AUX
ajis02-2579	129	10	taken	take	VERB
ajis02-2579	129	11	from	from	ADP
ajis02-2579	129	12	the	the	DET
ajis02-2579	129	13	research	research	NOUN
ajis02-2579	129	14	ict	ict	PROPN
ajis02-2579	129	15	africa	africa	PROPN
ajis02-2579	129	16	(	(	PUNCT
ajis02-2579	129	17	ria	ria	PROPN
ajis02-2579	129	18	)	)	PUNCT
ajis02-2579	129	19	network	network	NOUN
ajis02-2579	129	20	,	,	PUNCT
ajis02-2579	129	21	a	a	DET
ajis02-2579	129	22	non	non	ADJ
ajis02-2579	129	23	-	-	ADJ
ajis02-2579	129	24	profit	profit	ADJ
ajis02-2579	129	25	organisation	organisation	NOUN
ajis02-2579	129	26	based	base	VERB
ajis02-2579	129	27	in	in	ADP
ajis02-2579	129	28	south	south	PROPN
ajis02-2579	129	29	africa	africa	PROPN
ajis02-2579	129	30	.	.	PUNCT
ajis02-2579	130	1	ria	ria	PROPN
ajis02-2579	130	2	researches	research	VERB
ajis02-2579	130	3	ict	ict	NOUN
ajis02-2579	130	4	policy	policy	NOUN
ajis02-2579	130	5	and	and	CCONJ
ajis02-2579	130	6	regulations	regulation	NOUN
ajis02-2579	130	7	and	and	CCONJ
ajis02-2579	130	8	facilitates	facilitate	VERB
ajis02-2579	130	9	evidence	evidence	NOUN
ajis02-2579	130	10	-	-	PUNCT
ajis02-2579	130	11	based	base	VERB
ajis02-2579	130	12	policies	policy	NOUN
ajis02-2579	130	13	that	that	PRON
ajis02-2579	130	14	aim	aim	VERB
ajis02-2579	130	15	to	to	PART
ajis02-2579	130	16	improve	improve	VERB
ajis02-2579	130	17	access	access	NOUN
ajis02-2579	130	18	,	,	PUNCT
ajis02-2579	130	19	use	use	NOUN
ajis02-2579	130	20	,	,	PUNCT
ajis02-2579	130	21	and	and	CCONJ
ajis02-2579	130	22	applications	application	NOUN
ajis02-2579	130	23	of	of	ADP
ajis02-2579	130	24	ict	ict	PROPN
ajis02-2579	130	25	for	for	ADP
ajis02-2579	130	26	social	social	ADJ
ajis02-2579	130	27	development	development	NOUN
ajis02-2579	130	28	and	and	CCONJ
ajis02-2579	130	29	economic	economic	ADJ
ajis02-2579	130	30	growth	growth	NOUN
ajis02-2579	130	31	.	.	PUNCT
ajis02-2579	131	1	the	the	DET
ajis02-2579	131	2	quarterly	quarterly	ADJ
ajis02-2579	131	3	data	datum	NOUN
ajis02-2579	131	4	on	on	ADP
ajis02-2579	131	5	prices	price	NOUN
ajis02-2579	131	6	are	be	AUX
ajis02-2579	131	7	gathered	gather	VERB
ajis02-2579	131	8	from	from	ADP
ajis02-2579	131	9	mobile	mobile	ADJ
ajis02-2579	131	10	network	network	NOUN
ajis02-2579	131	11	operators	operator	NOUN
ajis02-2579	131	12	across	across	ADP
ajis02-2579	131	13	africa	africa	PROPN
ajis02-2579	131	14	y	y	PROPN
ajis02-2579	131	15	and	and	CCONJ
ajis02-2579	131	16	standardised	standardise	VERB
ajis02-2579	131	17	using	use	VERB
ajis02-2579	131	18	the	the	DET
ajis02-2579	131	19	oecd	oecd	PROPN
ajis02-2579	131	20	mobile	mobile	PROPN
ajis02-2579	131	21	pricing	pricing	NOUN
ajis02-2579	131	22	measurement	measurement	NOUN
ajis02-2579	131	23	(	(	PUNCT
ajis02-2579	131	24	cheapest	cheap	ADJ
ajis02-2579	131	25	prepaid	prepay	VERB
ajis02-2579	131	26	mobile	mobile	ADJ
ajis02-2579	131	27	voice	voice	NOUN
ajis02-2579	131	28	product	product	NOUN
ajis02-2579	131	29	by	by	ADP
ajis02-2579	131	30	country	country	NOUN
ajis02-2579	131	31	(	(	PUNCT
ajis02-2579	131	32	in	in	ADP
ajis02-2579	131	33	usd	usd	NOUN
ajis02-2579	131	34	)	)	PUNCT
ajis02-2579	131	35	)	)	PUNCT
ajis02-2579	131	36	.	.	PUNCT
ajis02-2579	132	1	data	datum	NOUN
ajis02-2579	132	2	on	on	ADP
ajis02-2579	132	3	the	the	DET
ajis02-2579	132	4	individual	individual	ADJ
ajis02-2579	132	5	characteristics	characteristic	NOUN
ajis02-2579	132	6	for	for	ADP
ajis02-2579	132	7	mobile	mobile	ADJ
ajis02-2579	132	8	money	money	NOUN
ajis02-2579	132	9	customers	customer	NOUN
ajis02-2579	132	10	(	(	PUNCT
ajis02-2579	132	11	a	a	DET
ajis02-2579	132	12	proxy	proxy	NOUN
ajis02-2579	132	13	for	for	ADP
ajis02-2579	132	14	facilitating	facilitate	VERB
ajis02-2579	132	15	conditions	condition	NOUN
ajis02-2579	132	16	)	)	PUNCT
ajis02-2579	132	17	are	be	AUX
ajis02-2579	132	18	taken	take	VERB
ajis02-2579	132	19	from	from	ADP
ajis02-2579	132	20	the	the	DET
ajis02-2579	132	21	global	global	ADJ
ajis02-2579	132	22	findex	findex	PROPN
ajis02-2579	132	23	database	database	NOUN
ajis02-2579	132	24	.	.	PUNCT
ajis02-2579	133	1	these	these	DET
ajis02-2579	133	2	comprise	comprise	VERB
ajis02-2579	133	3	age	age	NOUN
ajis02-2579	133	4	,	,	PUNCT
ajis02-2579	133	5	gender	gender	NOUN
ajis02-2579	133	6	(	(	PUNCT
ajis02-2579	133	7	female	female	NOUN
ajis02-2579	133	8	)	)	PUNCT
ajis02-2579	133	9	,	,	PUNCT
ajis02-2579	133	10	income	income	NOUN
ajis02-2579	133	11	and	and	CCONJ
ajis02-2579	133	12	education	education	NOUN
ajis02-2579	133	13	.	.	PUNCT
ajis02-2579	134	1	to	to	PART
ajis02-2579	134	2	control	control	VERB
ajis02-2579	134	3	for	for	ADP
ajis02-2579	134	4	the	the	DET
ajis02-2579	134	5	variations	variation	NOUN
ajis02-2579	134	6	in	in	ADP
ajis02-2579	134	7	size	size	NOUN
ajis02-2579	134	8	of	of	ADP
ajis02-2579	134	9	mobile	mobile	ADJ
ajis02-2579	134	10	money	money	NOUN
ajis02-2579	134	11	provider	provider	NOUN
ajis02-2579	134	12	organisations	organisation	NOUN
ajis02-2579	134	13	,	,	PUNCT
ajis02-2579	134	14	we	we	PRON
ajis02-2579	134	15	use	use	VERB
ajis02-2579	134	16	sales	sale	NOUN
ajis02-2579	134	17	revenue	revenue	NOUN
ajis02-2579	134	18	and	and	CCONJ
ajis02-2579	134	19	marketing	marketing	NOUN
ajis02-2579	134	20	budgets	budget	NOUN
ajis02-2579	134	21	as	as	ADP
ajis02-2579	134	22	two	two	NUM
ajis02-2579	134	23	measures	measure	NOUN
ajis02-2579	134	24	of	of	ADP
ajis02-2579	134	25	organisational	organisational	ADJ
ajis02-2579	134	26	size	size	NOUN
ajis02-2579	134	27	,	,	PUNCT
ajis02-2579	134	28	obtained	obtain	VERB
ajis02-2579	134	29	from	from	ADP
ajis02-2579	134	30	the	the	DET
ajis02-2579	134	31	financial	financial	ADJ
ajis02-2579	134	32	statements	statement	NOUN
ajis02-2579	134	33	and	and	CCONJ
ajis02-2579	134	34	websites	website	NOUN
ajis02-2579	134	35	of	of	ADP
ajis02-2579	134	36	these	these	DET
ajis02-2579	134	37	mnos	mno	NOUN
ajis02-2579	134	38	.	.	PUNCT
ajis02-2579	135	1	overall	overall	ADJ
ajis02-2579	135	2	,	,	PUNCT
ajis02-2579	135	3	40	40	NUM
ajis02-2579	135	4	countries	country	NOUN
ajis02-2579	135	5	that	that	PRON
ajis02-2579	135	6	offer	offer	VERB
ajis02-2579	135	7	mobile	mobile	ADJ
ajis02-2579	135	8	money	money	NOUN
ajis02-2579	135	9	operations	operation	NOUN
ajis02-2579	135	10	are	be	AUX
ajis02-2579	135	11	included	include	VERB
ajis02-2579	135	12	in	in	ADP
ajis02-2579	135	13	this	this	DET
ajis02-2579	135	14	study	study	NOUN
ajis02-2579	135	15	,	,	PUNCT
ajis02-2579	135	16	giving	give	VERB
ajis02-2579	135	17	us	we	PRON
ajis02-2579	135	18	a	a	DET
ajis02-2579	135	19	monthly	monthly	ADJ
ajis02-2579	135	20	dataset	dataset	NOUN
ajis02-2579	135	21	of	of	ADP
ajis02-2579	135	22	480	480	NUM
ajis02-2579	135	23	data	datum	NOUN
ajis02-2579	135	24	points	point	NOUN
ajis02-2579	135	25	.	.	PUNCT
ajis02-2579	136	1	4.2	4.2	NUM
ajis02-2579	136	2	measurement	measurement	NOUN
ajis02-2579	136	3	of	of	ADP
ajis02-2579	136	4	variables	variable	NOUN
ajis02-2579	136	5	the	the	DET
ajis02-2579	136	6	measurement	measurement	NOUN
ajis02-2579	136	7	items	item	NOUN
ajis02-2579	136	8	were	be	AUX
ajis02-2579	136	9	formulated	formulate	VERB
ajis02-2579	136	10	based	base	VERB
ajis02-2579	136	11	on	on	ADP
ajis02-2579	136	12	theory	theory	NOUN
ajis02-2579	136	13	,	,	PUNCT
ajis02-2579	136	14	review	review	NOUN
ajis02-2579	136	15	of	of	ADP
ajis02-2579	136	16	the	the	DET
ajis02-2579	136	17	literature	literature	NOUN
ajis02-2579	136	18	and	and	CCONJ
ajis02-2579	136	19	modified	modify	VERB
ajis02-2579	136	20	to	to	PART
ajis02-2579	136	21	reflect	reflect	VERB
ajis02-2579	136	22	the	the	DET
ajis02-2579	136	23	assumptions	assumption	NOUN
ajis02-2579	136	24	,	,	PUNCT
ajis02-2579	136	25	propositions	proposition	NOUN
ajis02-2579	136	26	and	and	CCONJ
ajis02-2579	136	27	hypotheses	hypothesis	NOUN
ajis02-2579	136	28	of	of	ADP
ajis02-2579	136	29	context	context	NOUN
ajis02-2579	136	30	-	-	PUNCT
ajis02-2579	136	31	based	base	VERB
ajis02-2579	136	32	themes	theme	NOUN
ajis02-2579	136	33	.	.	PUNCT
ajis02-2579	137	1	the	the	DET
ajis02-2579	137	2	items	item	NOUN
ajis02-2579	137	3	used	use	VERB
ajis02-2579	137	4	to	to	PART
ajis02-2579	137	5	measure	measure	VERB
ajis02-2579	137	6	attitudes	attitude	NOUN
ajis02-2579	137	7	towards	towards	ADP
ajis02-2579	137	8	adoption	adoption	NOUN
ajis02-2579	137	9	and	and	CCONJ
ajis02-2579	137	10	ongoing	ongoing	ADJ
ajis02-2579	137	11	intentions	intention	NOUN
ajis02-2579	137	12	to	to	PART
ajis02-2579	137	13	use	use	VERB
ajis02-2579	137	14	mobile	mobile	ADJ
ajis02-2579	137	15	money	money	NOUN
ajis02-2579	137	16	were	be	AUX
ajis02-2579	137	17	taken	take	VERB
ajis02-2579	137	18	from	from	ADP
ajis02-2579	137	19	davis	davis	PROPN
ajis02-2579	137	20	(	(	PUNCT
ajis02-2579	137	21	1989	1989	NUM
ajis02-2579	137	22	)	)	PUNCT
ajis02-2579	137	23	,	,	PUNCT
ajis02-2579	137	24	davis	davis	PROPN
ajis02-2579	137	25	,	,	PUNCT
ajis02-2579	137	26	bagozzi	bagozzi	NOUN
ajis02-2579	137	27	,	,	PUNCT
ajis02-2579	137	28	and	and	CCONJ
ajis02-2579	137	29	warshaw	warshaw	NOUN
ajis02-2579	137	30	(	(	PUNCT
ajis02-2579	137	31	1989	1989	NUM
ajis02-2579	137	32	)	)	PUNCT
ajis02-2579	137	33	,	,	PUNCT
ajis02-2579	137	34	and	and	CCONJ
ajis02-2579	137	35	luarn	luarn	NOUN
ajis02-2579	137	36	and	and	CCONJ
ajis02-2579	137	37	lin	lin	PROPN
ajis02-2579	137	38	(	(	PUNCT
ajis02-2579	137	39	2005	2005	NUM
ajis02-2579	137	40	)	)	PUNCT
ajis02-2579	137	41	and	and	CCONJ
ajis02-2579	137	42	proxied	proxie	VERB
ajis02-2579	137	43	in	in	ADP
ajis02-2579	137	44	order	order	NOUN
ajis02-2579	137	45	to	to	PART
ajis02-2579	137	46	understand	understand	VERB
ajis02-2579	137	47	mobile	mobile	ADJ
ajis02-2579	137	48	money	money	NOUN
ajis02-2579	137	49	in	in	ADP
ajis02-2579	137	50	the	the	DET
ajis02-2579	137	51	african	african	ADJ
ajis02-2579	137	52	context	context	NOUN
ajis02-2579	137	53	.	.	PUNCT
ajis02-2579	138	1	australasian	australasian	ADJ
ajis02-2579	138	2	journal	journal	NOUN
ajis02-2579	138	3	of	of	ADP
ajis02-2579	138	4	information	information	NOUN
ajis02-2579	138	5	systems	system	NOUN
ajis02-2579	138	6	alhassan	alhassan	PROPN
ajis02-2579	138	7	,	,	PUNCT
ajis02-2579	138	8	li	li	PROPN
ajis02-2579	138	9	,	,	PUNCT
ajis02-2579	138	10	reddy	reddy	PROPN
ajis02-2579	138	11	&	&	CCONJ
ajis02-2579	138	12	duppati	duppati	PROPN
ajis02-2579	138	13	2020	2020	NUM
ajis02-2579	138	14	,	,	PUNCT
ajis02-2579	138	15	vol	vol	NOUN
ajis02-2579	138	16	24	24	NUM
ajis02-2579	138	17	,	,	PUNCT
ajis02-2579	138	18	research	research	NOUN
ajis02-2579	138	19	article	article	NOUN
ajis02-2579	138	20	consumer	consumer	NOUN
ajis02-2579	138	21	acceptance	acceptance	NOUN
ajis02-2579	138	22	and	and	CCONJ
ajis02-2579	138	23	continuance	continuance	NOUN
ajis02-2579	138	24	of	of	ADP
ajis02-2579	138	25	mobile	mobile	ADJ
ajis02-2579	138	26	money	money	NOUN
ajis02-2579	138	27	9	9	NUM
ajis02-2579	138	28	construct	construct	NOUN
ajis02-2579	138	29	name	name	NOUN
ajis02-2579	138	30	description	description	NOUN
ajis02-2579	138	31	measurement	measurement	NOUN
ajis02-2579	138	32	coded	code	VERB
ajis02-2579	138	33	as	as	ADP
ajis02-2579	138	34	data	datum	NOUN
ajis02-2579	138	35	source	source	NOUN
ajis02-2579	138	36	related	relate	VERB
ajis02-2579	138	37	studies	study	NOUN
ajis02-2579	138	38	intention	intention	NOUN
ajis02-2579	138	39	to	to	PART
ajis02-2579	138	40	use	use	VERB
ajis02-2579	138	41	mobile	mobile	ADJ
ajis02-2579	138	42	money	money	NOUN
ajis02-2579	138	43	given	give	VERB
ajis02-2579	138	44	the	the	DET
ajis02-2579	138	45	opportunity	opportunity	NOUN
ajis02-2579	138	46	,	,	PUNCT
ajis02-2579	138	47	the	the	DET
ajis02-2579	138	48	respondent	respondent	NOUN
ajis02-2579	138	49	will	will	AUX
ajis02-2579	138	50	use	use	VERB
ajis02-2579	138	51	mobile	mobile	ADJ
ajis02-2579	138	52	payment	payment	NOUN
ajis02-2579	138	53	services	service	NOUN
ajis02-2579	138	54	.	.	PUNCT
ajis02-2579	139	1	percentage	percentage	NOUN
ajis02-2579	139	2	of	of	ADP
ajis02-2579	139	3	the	the	DET
ajis02-2579	139	4	population	population	NOUN
ajis02-2579	139	5	with	with	ADP
ajis02-2579	139	6	a	a	DET
ajis02-2579	139	7	mobile	mobile	ADJ
ajis02-2579	139	8	network	network	NOUN
ajis02-2579	139	9	in	in	ADP
ajis02-2579	139	10	a	a	DET
ajis02-2579	139	11	country	country	NOUN
ajis02-2579	139	12	1=	1=	NUM
ajis02-2579	139	13	50	50	NUM
ajis02-2579	139	14	%	%	NOUN
ajis02-2579	139	15	and	and	CCONJ
ajis02-2579	139	16	above	above	ADV
ajis02-2579	139	17	0=	0=	NUM
ajis02-2579	139	18	49	49	NUM
ajis02-2579	139	19	%	%	NOUN
ajis02-2579	139	20	and	and	CCONJ
ajis02-2579	139	21	below	below	ADP
ajis02-2579	139	22	itu	itu	PROPN
ajis02-2579	139	23	(	(	PUNCT
ajis02-2579	139	24	2018	2018	NUM
ajis02-2579	139	25	)	)	PUNCT
ajis02-2579	139	26	,	,	PUNCT
ajis02-2579	139	27	gsma	gsma	NOUN
ajis02-2579	139	28	(	(	PUNCT
ajis02-2579	139	29	2018	2018	NUM
ajis02-2579	139	30	)	)	PUNCT
ajis02-2579	139	31	,	,	PUNCT
ajis02-2579	139	32	world	world	PROPN
ajis02-2579	139	33	bank	bank	PROPN
ajis02-2579	139	34	(	(	PUNCT
ajis02-2579	139	35	2018	2018	NUM
ajis02-2579	139	36	)	)	PUNCT
ajis02-2579	139	37	venkatesh	venkatesh	NOUN
ajis02-2579	139	38	et	et	PROPN
ajis02-2579	139	39	al	al	PROPN
ajis02-2579	139	40	.	.	PROPN
ajis02-2579	140	1	(	(	PUNCT
ajis02-2579	140	2	2003	2003	NUM
ajis02-2579	140	3	)	)	PUNCT
ajis02-2579	140	4	,	,	PUNCT
ajis02-2579	140	5	davis	davis	PROPN
ajis02-2579	140	6	(	(	PUNCT
ajis02-2579	140	7	1989	1989	NUM
ajis02-2579	140	8	)	)	PUNCT
ajis02-2579	140	9	attitude	attitude	NOUN
ajis02-2579	140	10	towards	towards	ADP
ajis02-2579	140	11	adopting	adopt	VERB
ajis02-2579	140	12	mobile	mobile	ADJ
ajis02-2579	140	13	money	money	NOUN
ajis02-2579	140	14	the	the	DET
ajis02-2579	140	15	degree	degree	NOUN
ajis02-2579	140	16	to	to	PART
ajis02-2579	140	17	which	which	PRON
ajis02-2579	140	18	using	use	VERB
ajis02-2579	140	19	technology	technology	NOUN
ajis02-2579	140	20	is	be	AUX
ajis02-2579	140	21	positively	positively	ADV
ajis02-2579	140	22	or	or	CCONJ
ajis02-2579	140	23	negatively	negatively	ADV
ajis02-2579	140	24	valued	value	VERB
ajis02-2579	140	25	by	by	ADP
ajis02-2579	140	26	an	an	DET
ajis02-2579	140	27	individual	individual	NOUN
ajis02-2579	140	28	.	.	PUNCT
ajis02-2579	141	1	percentage	percentage	NOUN
ajis02-2579	141	2	of	of	ADP
ajis02-2579	141	3	mobile	mobile	ADJ
ajis02-2579	141	4	subscribers	subscriber	NOUN
ajis02-2579	141	5	per	per	ADP
ajis02-2579	141	6	100	100	NUM
ajis02-2579	141	7	inhabitants	inhabitant	NOUN
ajis02-2579	141	8	1=	1=	NUM
ajis02-2579	141	9	50	50	NUM
ajis02-2579	141	10	%	%	NOUN
ajis02-2579	141	11	and	and	CCONJ
ajis02-2579	141	12	above	above	ADV
ajis02-2579	141	13	0=	0=	NUM
ajis02-2579	141	14	49	49	NUM
ajis02-2579	141	15	%	%	NOUN
ajis02-2579	141	16	and	and	CCONJ
ajis02-2579	141	17	below	below	ADP
ajis02-2579	141	18	itu	itu	PROPN
ajis02-2579	141	19	(	(	PUNCT
ajis02-2579	141	20	2018	2018	NUM
ajis02-2579	141	21	)	)	PUNCT
ajis02-2579	141	22	,	,	PUNCT
ajis02-2579	141	23	gsma	gsma	NOUN
ajis02-2579	141	24	(	(	PUNCT
ajis02-2579	141	25	2018	2018	NUM
ajis02-2579	141	26	)	)	PUNCT
ajis02-2579	141	27	,	,	PUNCT
ajis02-2579	141	28	world	world	PROPN
ajis02-2579	141	29	bank	bank	PROPN
ajis02-2579	141	30	(	(	PUNCT
ajis02-2579	141	31	2018	2018	NUM
ajis02-2579	141	32	)	)	PUNCT
ajis02-2579	141	33	venkatesh	venkatesh	NOUN
ajis02-2579	141	34	et	et	PROPN
ajis02-2579	141	35	al	al	PROPN
ajis02-2579	141	36	.	.	PROPN
ajis02-2579	142	1	(	(	PUNCT
ajis02-2579	142	2	2003	2003	NUM
ajis02-2579	142	3	)	)	PUNCT
ajis02-2579	142	4	,	,	PUNCT
ajis02-2579	142	5	davis	davis	PROPN
ajis02-2579	142	6	(	(	PUNCT
ajis02-2579	142	7	1989	1989	NUM
ajis02-2579	142	8	)	)	PUNCT
ajis02-2579	142	9	perceived	perceive	VERB
ajis02-2579	142	10	usefulness	usefulness	NOUN
ajis02-2579	142	11	the	the	DET
ajis02-2579	142	12	degree	degree	NOUN
ajis02-2579	142	13	to	to	PART
ajis02-2579	142	14	which	which	PRON
ajis02-2579	142	15	a	a	DET
ajis02-2579	142	16	person	person	NOUN
ajis02-2579	142	17	believes	believe	VERB
ajis02-2579	142	18	that	that	SCONJ
ajis02-2579	142	19	using	use	VERB
ajis02-2579	142	20	a	a	DET
ajis02-2579	142	21	particular	particular	ADJ
ajis02-2579	142	22	system	system	NOUN
ajis02-2579	142	23	would	would	AUX
ajis02-2579	142	24	enhance	enhance	VERB
ajis02-2579	142	25	his	his	PRON
ajis02-2579	142	26	or	or	CCONJ
ajis02-2579	142	27	her	her	PRON
ajis02-2579	142	28	job	job	NOUN
ajis02-2579	142	29	performance	performance	NOUN
ajis02-2579	142	30	.	.	PUNCT
ajis02-2579	143	1	percentage	percentage	NOUN
ajis02-2579	143	2	of	of	ADP
ajis02-2579	143	3	people	people	NOUN
ajis02-2579	143	4	who	who	PRON
ajis02-2579	143	5	used	use	VERB
ajis02-2579	143	6	the	the	DET
ajis02-2579	143	7	internet	internet	NOUN
ajis02-2579	143	8	to	to	PART
ajis02-2579	143	9	pay	pay	VERB
ajis02-2579	143	10	bills	bill	NOUN
ajis02-2579	143	11	or	or	CCONJ
ajis02-2579	143	12	to	to	PART
ajis02-2579	143	13	buy	buy	VERB
ajis02-2579	143	14	something	something	PRON
ajis02-2579	143	15	online	online	ADV
ajis02-2579	143	16	in	in	ADP
ajis02-2579	143	17	the	the	DET
ajis02-2579	143	18	past	past	ADJ
ajis02-2579	143	19	year	year	NOUN
ajis02-2579	143	20	,	,	PUNCT
ajis02-2579	143	21	primary	primary	ADJ
ajis02-2579	143	22	education	education	NOUN
ajis02-2579	143	23	or	or	CCONJ
ajis02-2579	143	24	less	less	ADJ
ajis02-2579	143	25	(	(	PUNCT
ajis02-2579	143	26	%	%	NOUN
ajis02-2579	143	27	age	age	NOUN
ajis02-2579	143	28	15	15	NUM
ajis02-2579	143	29	+	+	NOUN
ajis02-2579	143	30	)	)	PUNCT
ajis02-2579	143	31	1	1	NUM
ajis02-2579	143	32	=	=	SYM
ajis02-2579	143	33	50	50	NUM
ajis02-2579	143	34	%	%	NOUN
ajis02-2579	143	35	and	and	CCONJ
ajis02-2579	143	36	above	above	ADP
ajis02-2579	143	37	0	0	NUM
ajis02-2579	144	1	=	=	SYM
ajis02-2579	144	2	49	49	NUM
ajis02-2579	144	3	%	%	NOUN
ajis02-2579	144	4	and	and	CCONJ
ajis02-2579	144	5	below	below	ADP
ajis02-2579	144	6	global	global	ADJ
ajis02-2579	144	7	findex	findex	NOUN
ajis02-2579	144	8	(	(	PUNCT
ajis02-2579	144	9	2018	2018	NUM
ajis02-2579	144	10	)	)	PUNCT
ajis02-2579	144	11	venkatesh	venkatesh	NOUN
ajis02-2579	144	12	et	et	PROPN
ajis02-2579	144	13	al	al	PROPN
ajis02-2579	144	14	.	.	PROPN
ajis02-2579	145	1	(	(	PUNCT
ajis02-2579	145	2	2003	2003	NUM
ajis02-2579	145	3	)	)	PUNCT
ajis02-2579	145	4	,	,	PUNCT
ajis02-2579	145	5	davis	davis	PROPN
ajis02-2579	145	6	(	(	PUNCT
ajis02-2579	145	7	1989	1989	NUM
ajis02-2579	145	8	)	)	PUNCT
ajis02-2579	145	9	perceived	perceive	VERB
ajis02-2579	145	10	ease	ease	NOUN
ajis02-2579	145	11	of	of	ADP
ajis02-2579	145	12	use	use	NOUN
ajis02-2579	145	13	the	the	DET
ajis02-2579	145	14	degree	degree	NOUN
ajis02-2579	145	15	to	to	PART
ajis02-2579	145	16	which	which	PRON
ajis02-2579	145	17	a	a	DET
ajis02-2579	145	18	person	person	NOUN
ajis02-2579	145	19	believes	believe	VERB
ajis02-2579	145	20	that	that	SCONJ
ajis02-2579	145	21	using	use	VERB
ajis02-2579	145	22	a	a	DET
ajis02-2579	145	23	particular	particular	ADJ
ajis02-2579	145	24	system	system	NOUN
ajis02-2579	145	25	would	would	AUX
ajis02-2579	145	26	be	be	AUX
ajis02-2579	145	27	free	free	ADJ
ajis02-2579	145	28	of	of	ADP
ajis02-2579	145	29	efforts	effort	NOUN
ajis02-2579	145	30	.	.	PUNCT
ajis02-2579	146	1	mobile	mobile	ADJ
ajis02-2579	146	2	money	money	NOUN
ajis02-2579	146	3	account	account	NOUN
ajis02-2579	146	4	ownership	ownership	NOUN
ajis02-2579	146	5	,	,	PUNCT
ajis02-2579	146	6	primary	primary	ADJ
ajis02-2579	146	7	education	education	NOUN
ajis02-2579	146	8	or	or	CCONJ
ajis02-2579	146	9	less	less	ADJ
ajis02-2579	146	10	(	(	PUNCT
ajis02-2579	146	11	%	%	NOUN
ajis02-2579	146	12	age	age	NOUN
ajis02-2579	146	13	15	15	NUM
ajis02-2579	146	14	+	+	NOUN
ajis02-2579	146	15	)	)	PUNCT
ajis02-2579	146	16	1	1	NUM
ajis02-2579	147	1	=	=	SYM
ajis02-2579	147	2	yes	yes	INTJ
ajis02-2579	147	3	0	0	X
ajis02-2579	148	1	=	=	SYM
ajis02-2579	148	2	otherwise	otherwise	ADV
ajis02-2579	148	3	global	global	ADJ
ajis02-2579	148	4	findex	findex	NOUN
ajis02-2579	148	5	(	(	PUNCT
ajis02-2579	148	6	2018	2018	NUM
ajis02-2579	148	7	)	)	PUNCT
ajis02-2579	148	8	venkatesh	venkatesh	NOUN
ajis02-2579	148	9	et	et	PROPN
ajis02-2579	148	10	al	al	PROPN
ajis02-2579	148	11	.	.	PROPN
ajis02-2579	148	12	(	(	PUNCT
ajis02-2579	148	13	2003	2003	NUM
ajis02-2579	148	14	)	)	PUNCT
ajis02-2579	148	15	,	,	PUNCT
ajis02-2579	148	16	davis	davis	PROPN
ajis02-2579	148	17	(	(	PUNCT
ajis02-2579	148	18	1989	1989	NUM
ajis02-2579	148	19	)	)	PUNCT
ajis02-2579	148	20	antecedents	antecedent	NOUN
ajis02-2579	148	21	of	of	ADP
ajis02-2579	148	22	perceived	perceive	VERB
ajis02-2579	148	23	usefulness	usefulness	NOUN
ajis02-2579	148	24	(	(	PUNCT
ajis02-2579	148	25	pu	pu	NOUN
ajis02-2579	148	26	)	)	PUNCT
ajis02-2579	148	27	rural	rural	ADJ
ajis02-2579	148	28	dwelling	dwelling	ADJ
ajis02-2579	148	29	lack	lack	NOUN
ajis02-2579	148	30	of	of	ADP
ajis02-2579	148	31	mobile	mobile	ADJ
ajis02-2579	148	32	network	network	NOUN
ajis02-2579	148	33	infrastructure	infrastructure	NOUN
ajis02-2579	148	34	and	and	CCONJ
ajis02-2579	148	35	electricity	electricity	NOUN
ajis02-2579	148	36	.	.	PUNCT
ajis02-2579	149	1	rural	rural	ADJ
ajis02-2579	149	2	population	population	NOUN
ajis02-2579	149	3	as	as	ADP
ajis02-2579	149	4	the	the	DET
ajis02-2579	149	5	percentage	percentage	NOUN
ajis02-2579	149	6	of	of	ADP
ajis02-2579	149	7	the	the	DET
ajis02-2579	149	8	total	total	ADJ
ajis02-2579	149	9	population	population	NOUN
ajis02-2579	149	10	1	1	NUM
ajis02-2579	149	11	=	=	SYM
ajis02-2579	149	12	50	50	NUM
ajis02-2579	149	13	%	%	NOUN
ajis02-2579	149	14	and	and	CCONJ
ajis02-2579	149	15	above	above	ADP
ajis02-2579	149	16	0	0	NUM
ajis02-2579	150	1	=	=	SYM
ajis02-2579	150	2	49	49	NUM
ajis02-2579	150	3	%	%	NOUN
ajis02-2579	150	4	and	and	CCONJ
ajis02-2579	150	5	below	below	ADP
ajis02-2579	150	6	gsma	gsma	NOUN
ajis02-2579	150	7	(	(	PUNCT
ajis02-2579	150	8	2018	2018	NUM
ajis02-2579	150	9	)	)	PUNCT
ajis02-2579	150	10	venkatesh	venkatesh	PROPN
ajis02-2579	150	11	,	,	PUNCT
ajis02-2579	150	12	thong	thong	NOUN
ajis02-2579	150	13	,	,	PUNCT
ajis02-2579	150	14	and	and	CCONJ
ajis02-2579	150	15	xu	xu	PROPN
ajis02-2579	150	16	(	(	PUNCT
ajis02-2579	150	17	2012	2012	NUM
ajis02-2579	150	18	)	)	PUNCT
ajis02-2579	150	19	cost	cost	VERB
ajis02-2579	150	20	the	the	DET
ajis02-2579	150	21	extent	extent	NOUN
ajis02-2579	150	22	to	to	PART
ajis02-2579	150	23	which	which	PRON
ajis02-2579	150	24	a	a	DET
ajis02-2579	150	25	person	person	NOUN
ajis02-2579	150	26	believes	believe	VERB
ajis02-2579	150	27	that	that	SCONJ
ajis02-2579	150	28	using	use	VERB
ajis02-2579	150	29	mobile	mobile	ADJ
ajis02-2579	150	30	money	money	NOUN
ajis02-2579	150	31	will	will	AUX
ajis02-2579	150	32	cost	cost	VERB
ajis02-2579	150	33	money	money	NOUN
ajis02-2579	150	34	.	.	PUNCT
ajis02-2579	151	1	price	price	NOUN
ajis02-2579	151	2	of	of	ADP
ajis02-2579	151	3	prepaid	prepaid	ADJ
ajis02-2579	151	4	mobile	mobile	ADJ
ajis02-2579	151	5	voice	voice	NOUN
ajis02-2579	151	6	and	and	CCONJ
ajis02-2579	151	7	sms	sms	PROPN
ajis02-2579	151	8	.	.	PUNCT
ajis02-2579	152	1	1	1	NUM
ajis02-2579	152	2	=	=	SYM
ajis02-2579	152	3	10	10	NUM
ajis02-2579	152	4	cent	cent	NOUN
ajis02-2579	152	5	and	and	CCONJ
ajis02-2579	152	6	above	above	ADP
ajis02-2579	152	7	0	0	NUM
ajis02-2579	153	1	=	=	SYM
ajis02-2579	153	2	9	9	NUM
ajis02-2579	153	3	cent	cent	NOUN
ajis02-2579	153	4	and	and	CCONJ
ajis02-2579	153	5	below	below	ADP
ajis02-2579	153	6	ria	ria	PROPN
ajis02-2579	153	7	(	(	PUNCT
ajis02-2579	153	8	2018	2018	NUM
ajis02-2579	153	9	)	)	PUNCT
ajis02-2579	153	10	luarn	luarn	NOUN
ajis02-2579	153	11	and	and	CCONJ
ajis02-2579	153	12	lin	lin	PROPN
ajis02-2579	153	13	(	(	PUNCT
ajis02-2579	153	14	2005	2005	NUM
ajis02-2579	153	15	)	)	PUNCT
ajis02-2579	153	16	antecedents	antecedent	NOUN
ajis02-2579	153	17	of	of	ADP
ajis02-2579	153	18	perceived	perceive	VERB
ajis02-2579	153	19	ease	ease	NOUN
ajis02-2579	153	20	of	of	ADP
ajis02-2579	153	21	use	use	NOUN
ajis02-2579	153	22	(	(	PUNCT
ajis02-2579	153	23	peou	peou	ADV
ajis02-2579	153	24	)	)	PUNCT
ajis02-2579	153	25	ubiquity	ubiquity	NOUN
ajis02-2579	153	26	/	/	SYM
ajis02-2579	153	27	power	power	NOUN
ajis02-2579	153	28	how	how	SCONJ
ajis02-2579	153	29	well	well	ADV
ajis02-2579	153	30	consumers	consumer	NOUN
ajis02-2579	153	31	believe	believe	VERB
ajis02-2579	153	32	mobile	mobile	ADJ
ajis02-2579	153	33	money	money	NOUN
ajis02-2579	153	34	can	can	AUX
ajis02-2579	153	35	be	be	AUX
ajis02-2579	153	36	integrated	integrate	VERB
ajis02-2579	153	37	into	into	ADP
ajis02-2579	153	38	their	their	PRON
ajis02-2579	153	39	daily	daily	ADJ
ajis02-2579	153	40	mobile	mobile	ADJ
ajis02-2579	153	41	activities	activity	NOUN
ajis02-2579	153	42	(	(	PUNCT
ajis02-2579	153	43	ability	ability	NOUN
ajis02-2579	153	44	to	to	PART
ajis02-2579	153	45	use	use	VERB
ajis02-2579	153	46	mobile	mobile	ADJ
ajis02-2579	153	47	percentage	percentage	NOUN
ajis02-2579	153	48	of	of	ADP
ajis02-2579	153	49	the	the	DET
ajis02-2579	153	50	population	population	NOUN
ajis02-2579	153	51	with	with	ADP
ajis02-2579	153	52	electrification	electrification	NOUN
ajis02-2579	153	53	(	(	PUNCT
ajis02-2579	153	54	national	national	ADJ
ajis02-2579	153	55	grid	grid	NOUN
ajis02-2579	153	56	)	)	PUNCT
ajis02-2579	153	57	1=	1=	X
ajis02-2579	154	1	50	50	NUM
ajis02-2579	154	2	%	%	NOUN
ajis02-2579	154	3	and	and	CCONJ
ajis02-2579	154	4	above	above	ADV
ajis02-2579	154	5	0=	0=	NUM
ajis02-2579	154	6	49	49	NUM
ajis02-2579	154	7	%	%	NOUN
ajis02-2579	154	8	and	and	CCONJ
ajis02-2579	154	9	below	below	ADP
ajis02-2579	154	10	itu	itu	PROPN
ajis02-2579	154	11	(	(	PUNCT
ajis02-2579	154	12	2018	2018	NUM
ajis02-2579	154	13	)	)	PUNCT
ajis02-2579	154	14	,	,	PUNCT
ajis02-2579	154	15	world	world	PROPN
ajis02-2579	154	16	bank	bank	PROPN
ajis02-2579	154	17	(	(	PUNCT
ajis02-2579	154	18	2018	2018	NUM
ajis02-2579	154	19	)	)	PUNCT
ajis02-2579	154	20	kakihara	kakihara	NOUN
ajis02-2579	154	21	and	and	CCONJ
ajis02-2579	154	22	sorensen	sorensen	PROPN
ajis02-2579	154	23	(	(	PUNCT
ajis02-2579	154	24	2002	2002	NUM
ajis02-2579	154	25	)	)	PUNCT
ajis02-2579	154	26	,	,	PUNCT
ajis02-2579	154	27	rubin	rubin	PROPN
ajis02-2579	154	28	(	(	PUNCT
ajis02-2579	154	29	2017	2017	NUM
ajis02-2579	154	30	)	)	PUNCT
ajis02-2579	154	31	australasian	australasian	ADJ
ajis02-2579	154	32	journal	journal	NOUN
ajis02-2579	154	33	of	of	ADP
ajis02-2579	154	34	information	information	NOUN
ajis02-2579	154	35	systems	system	NOUN
ajis02-2579	154	36	alhassan	alhassan	PROPN
ajis02-2579	154	37	,	,	PUNCT
ajis02-2579	154	38	li	li	PROPN
ajis02-2579	154	39	,	,	PUNCT
ajis02-2579	154	40	reddy	reddy	PROPN
ajis02-2579	154	41	&	&	CCONJ
ajis02-2579	154	42	duppati	duppati	PROPN
ajis02-2579	154	43	2020	2020	NUM
ajis02-2579	154	44	,	,	PUNCT
ajis02-2579	154	45	vol	vol	NOUN
ajis02-2579	154	46	24	24	NUM
ajis02-2579	154	47	,	,	PUNCT
ajis02-2579	154	48	research	research	NOUN
ajis02-2579	154	49	article	article	NOUN
ajis02-2579	154	50	consumer	consumer	NOUN
ajis02-2579	154	51	acceptance	acceptance	NOUN
ajis02-2579	154	52	and	and	CCONJ
ajis02-2579	154	53	continuance	continuance	NOUN
ajis02-2579	154	54	of	of	ADP
ajis02-2579	154	55	mobile	mobile	ADJ
ajis02-2579	154	56	money	money	NOUN
ajis02-2579	154	57	10	10	NUM
ajis02-2579	154	58	phone	phone	NOUN
ajis02-2579	154	59	and	and	CCONJ
ajis02-2579	154	60	mobile	mobile	ADJ
ajis02-2579	154	61	money	money	NOUN
ajis02-2579	154	62	at	at	ADP
ajis02-2579	154	63	anytime	anytime	NOUN
ajis02-2579	154	64	and	and	CCONJ
ajis02-2579	154	65	anywhere	anywhere	ADV
ajis02-2579	154	66	)	)	PUNCT
ajis02-2579	154	67	.	.	PUNCT
ajis02-2579	155	1	regulation	regulation	NOUN
ajis02-2579	155	2	mobile	mobile	ADJ
ajis02-2579	155	3	money	money	NOUN
ajis02-2579	155	4	regulatory	regulatory	ADJ
ajis02-2579	155	5	index	index	NOUN
ajis02-2579	155	6	which	which	PRON
ajis02-2579	155	7	scores	score	VERB
ajis02-2579	155	8	countries	country	NOUN
ajis02-2579	155	9	based	base	VERB
ajis02-2579	155	10	on	on	ADP
ajis02-2579	155	11	the	the	DET
ajis02-2579	155	12	extent	extent	NOUN
ajis02-2579	155	13	to	to	PART
ajis02-2579	155	14	which	which	PRON
ajis02-2579	155	15	their	their	PRON
ajis02-2579	155	16	regulatory	regulatory	ADJ
ajis02-2579	155	17	framework	framework	NOUN
ajis02-2579	155	18	enables	enable	VERB
ajis02-2579	155	19	widespread	widespread	ADJ
ajis02-2579	155	20	mobile	mobile	ADJ
ajis02-2579	155	21	money	money	NOUN
ajis02-2579	155	22	adoption	adoption	NOUN
ajis02-2579	155	23	.	.	PUNCT
ajis02-2579	156	1	scores	score	NOUN
ajis02-2579	156	2	range	range	VERB
ajis02-2579	156	3	between	between	ADP
ajis02-2579	156	4	0	0	NUM
ajis02-2579	156	5	-	-	SYM
ajis02-2579	156	6	100	100	NUM
ajis02-2579	156	7	,	,	PUNCT
ajis02-2579	156	8	with	with	ADP
ajis02-2579	156	9	a	a	DET
ajis02-2579	156	10	higher	high	ADJ
ajis02-2579	156	11	score	score	NOUN
ajis02-2579	156	12	associated	associate	VERB
ajis02-2579	156	13	with	with	ADP
ajis02-2579	156	14	more	more	ADJ
ajis02-2579	156	15	enabling	enabling	ADJ
ajis02-2579	156	16	regulation	regulation	NOUN
ajis02-2579	156	17	.	.	PUNCT
ajis02-2579	157	1	mobile	mobile	ADJ
ajis02-2579	157	2	money	money	NOUN
ajis02-2579	157	3	regulatory	regulatory	ADJ
ajis02-2579	157	4	index	index	NOUN
ajis02-2579	157	5	which	which	PRON
ajis02-2579	157	6	scores	score	VERB
ajis02-2579	157	7	countries	country	NOUN
ajis02-2579	157	8	based	base	VERB
ajis02-2579	157	9	on	on	ADP
ajis02-2579	157	10	the	the	DET
ajis02-2579	157	11	extent	extent	NOUN
ajis02-2579	157	12	to	to	PART
ajis02-2579	157	13	which	which	PRON
ajis02-2579	157	14	their	their	PRON
ajis02-2579	157	15	regulatory	regulatory	ADJ
ajis02-2579	157	16	framework	framework	NOUN
ajis02-2579	157	17	enables	enable	VERB
ajis02-2579	157	18	widespread	widespread	ADJ
ajis02-2579	157	19	mobile	mobile	ADJ
ajis02-2579	157	20	money	money	NOUN
ajis02-2579	157	21	adoption	adoption	NOUN
ajis02-2579	157	22	.	.	PUNCT
ajis02-2579	158	1	scores	score	NOUN
ajis02-2579	158	2	range	range	VERB
ajis02-2579	158	3	between	between	ADP
ajis02-2579	158	4	0	0	NUM
ajis02-2579	158	5	-	-	SYM
ajis02-2579	158	6	100	100	NUM
ajis02-2579	158	7	,	,	PUNCT
ajis02-2579	158	8	with	with	ADP
ajis02-2579	158	9	a	a	DET
ajis02-2579	158	10	higher	high	ADJ
ajis02-2579	158	11	score	score	NOUN
ajis02-2579	158	12	associated	associate	VERB
ajis02-2579	158	13	with	with	ADP
ajis02-2579	158	14	more	more	ADJ
ajis02-2579	158	15	enabling	enabling	ADJ
ajis02-2579	158	16	regulation	regulation	NOUN
ajis02-2579	158	17	.	.	PUNCT
ajis02-2579	159	1	1	1	NUM
ajis02-2579	159	2	=	=	SYM
ajis02-2579	159	3	50	50	NUM
ajis02-2579	159	4	%	%	NOUN
ajis02-2579	159	5	and	and	CCONJ
ajis02-2579	159	6	above	above	ADP
ajis02-2579	159	7	0	0	NUM
ajis02-2579	160	1	=	=	SYM
ajis02-2579	160	2	49	49	NUM
ajis02-2579	160	3	%	%	NOUN
ajis02-2579	160	4	and	and	CCONJ
ajis02-2579	160	5	below	below	ADP
ajis02-2579	160	6	gsma	gsma	NOUN
ajis02-2579	160	7	(	(	PUNCT
ajis02-2579	160	8	2018	2018	NUM
ajis02-2579	160	9	)	)	PUNCT
ajis02-2579	160	10	liu	liu	PROPN
ajis02-2579	160	11	,	,	PUNCT
ajis02-2579	160	12	kauffman	kauffman	PROPN
ajis02-2579	160	13	,	,	PUNCT
ajis02-2579	160	14	and	and	CCONJ
ajis02-2579	160	15	ma	ma	PROPN
ajis02-2579	160	16	(	(	PUNCT
ajis02-2579	160	17	2015	2015	NUM
ajis02-2579	160	18	)	)	PUNCT
ajis02-2579	160	19	education	education	NOUN
ajis02-2579	160	20	better	well	ADJ
ajis02-2579	160	21	knowledge	knowledge	NOUN
ajis02-2579	160	22	structures	structure	NOUN
ajis02-2579	160	23	to	to	PART
ajis02-2579	160	24	facilitate	facilitate	VERB
ajis02-2579	160	25	user	user	NOUN
ajis02-2579	160	26	learning	learning	NOUN
ajis02-2579	160	27	of	of	ADP
ajis02-2579	160	28	mobile	mobile	ADJ
ajis02-2579	160	29	money	money	NOUN
ajis02-2579	160	30	.	.	PUNCT
ajis02-2579	161	1	primary	primary	ADJ
ajis02-2579	161	2	school	school	NOUN
ajis02-2579	161	3	completion	completion	NOUN
ajis02-2579	161	4	rate	rate	NOUN
ajis02-2579	161	5	as	as	ADP
ajis02-2579	161	6	a	a	DET
ajis02-2579	161	7	percentage	percentage	NOUN
ajis02-2579	161	8	of	of	ADP
ajis02-2579	161	9	the	the	DET
ajis02-2579	161	10	total	total	ADJ
ajis02-2579	161	11	population	population	NOUN
ajis02-2579	161	12	1	1	NUM
ajis02-2579	161	13	=	=	NOUN
ajis02-2579	161	14	primary	primary	ADJ
ajis02-2579	161	15	2	2	NUM
ajis02-2579	161	16	=	=	SYM
ajis02-2579	161	17	others	other	NOUN
ajis02-2579	161	18	global	global	ADJ
ajis02-2579	161	19	findex	findex	NOUN
ajis02-2579	161	20	(	(	PUNCT
ajis02-2579	161	21	2018	2018	NUM
ajis02-2579	161	22	)	)	PUNCT
ajis02-2579	161	23	venkatesh	venkatesh	PROPN
ajis02-2579	161	24	,	,	PUNCT
ajis02-2579	161	25	thong	thong	NOUN
ajis02-2579	161	26	,	,	PUNCT
ajis02-2579	161	27	and	and	CCONJ
ajis02-2579	161	28	xu	xu	PROPN
ajis02-2579	161	29	(	(	PUNCT
ajis02-2579	161	30	2012	2012	NUM
ajis02-2579	161	31	)	)	PUNCT
ajis02-2579	161	32	,	,	PUNCT
ajis02-2579	161	33	gender	gender	NOUN
ajis02-2579	161	34	the	the	DET
ajis02-2579	161	35	likelihood	likelihood	NOUN
ajis02-2579	161	36	that	that	SCONJ
ajis02-2579	161	37	females	female	NOUN
ajis02-2579	161	38	may	may	AUX
ajis02-2579	161	39	require	require	VERB
ajis02-2579	161	40	more	more	ADJ
ajis02-2579	161	41	support	support	NOUN
ajis02-2579	161	42	to	to	PART
ajis02-2579	161	43	adapt	adapt	VERB
ajis02-2579	161	44	to	to	ADP
ajis02-2579	161	45	technology	technology	NOUN
ajis02-2579	161	46	use	use	NOUN
ajis02-2579	161	47	than	than	ADP
ajis02-2579	161	48	men	man	NOUN
ajis02-2579	161	49	.	.	PUNCT
ajis02-2579	162	1	percentage	percentage	NOUN
ajis02-2579	162	2	of	of	ADP
ajis02-2579	162	3	women	woman	NOUN
ajis02-2579	162	4	with	with	ADP
ajis02-2579	162	5	mobile	mobile	ADJ
ajis02-2579	162	6	money	money	NOUN
ajis02-2579	162	7	accounts	account	VERB
ajis02-2579	162	8	1=	1=	NUM
ajis02-2579	162	9	50	50	NUM
ajis02-2579	162	10	%	%	NOUN
ajis02-2579	162	11	and	and	CCONJ
ajis02-2579	162	12	above	above	ADV
ajis02-2579	162	13	0=	0=	NUM
ajis02-2579	162	14	49	49	NUM
ajis02-2579	162	15	%	%	NOUN
ajis02-2579	162	16	and	and	CCONJ
ajis02-2579	162	17	below	below	ADP
ajis02-2579	162	18	global	global	ADJ
ajis02-2579	162	19	findex	findex	NOUN
ajis02-2579	162	20	(	(	PUNCT
ajis02-2579	162	21	2018	2018	NUM
ajis02-2579	162	22	)	)	PUNCT
ajis02-2579	162	23	venkatesh	venkatesh	PROPN
ajis02-2579	162	24	,	,	PUNCT
ajis02-2579	162	25	thong	thong	NOUN
ajis02-2579	162	26	,	,	PUNCT
ajis02-2579	162	27	and	and	CCONJ
ajis02-2579	162	28	xu	xu	PROPN
ajis02-2579	162	29	(	(	PUNCT
ajis02-2579	162	30	2012	2012	NUM
ajis02-2579	162	31	)	)	PUNCT
ajis02-2579	162	32	,	,	PUNCT
ajis02-2579	162	33	control	control	NOUN
ajis02-2579	162	34	variables	variable	NOUN
ajis02-2579	162	35	age	age	VERB
ajis02-2579	162	36	the	the	DET
ajis02-2579	162	37	likelihood	likelihood	NOUN
ajis02-2579	162	38	that	that	SCONJ
ajis02-2579	162	39	older	old	ADJ
ajis02-2579	162	40	consumers	consumer	NOUN
ajis02-2579	162	41	may	may	AUX
ajis02-2579	162	42	turn	turn	VERB
ajis02-2579	162	43	to	to	PART
ajis02-2579	162	44	face	face	VERB
ajis02-2579	162	45	difficulty	difficulty	NOUN
ajis02-2579	162	46	in	in	ADP
ajis02-2579	162	47	processing	processing	NOUN
ajis02-2579	162	48	information	information	NOUN
ajis02-2579	162	49	or	or	CCONJ
ajis02-2579	162	50	using	use	VERB
ajis02-2579	162	51	technology	technology	NOUN
ajis02-2579	162	52	(	(	PUNCT
ajis02-2579	162	53	mobile	mobile	ADJ
ajis02-2579	162	54	money	money	NOUN
ajis02-2579	162	55	)	)	PUNCT
ajis02-2579	162	56	.	.	PUNCT
ajis02-2579	163	1	percentage	percentage	NOUN
ajis02-2579	163	2	of	of	ADP
ajis02-2579	163	3	population	population	NOUN
ajis02-2579	163	4	aged	aged	ADJ
ajis02-2579	163	5	65	65	NUM
ajis02-2579	163	6	and	and	CCONJ
ajis02-2579	163	7	above	above	ADV
ajis02-2579	163	8	as	as	ADP
ajis02-2579	163	9	the	the	DET
ajis02-2579	163	10	percentage	percentage	NOUN
ajis02-2579	163	11	of	of	ADP
ajis02-2579	163	12	total	total	ADJ
ajis02-2579	163	13	population	population	NOUN
ajis02-2579	163	14	1	1	NUM
ajis02-2579	163	15	=	=	SYM
ajis02-2579	163	16	age	age	NOUN
ajis02-2579	163	17	65	65	NUM
ajis02-2579	163	18	and	and	CCONJ
ajis02-2579	163	19	above	above	ADV
ajis02-2579	163	20	0	0	NUM
ajis02-2579	163	21	=	=	SYM
ajis02-2579	163	22	age	age	NOUN
ajis02-2579	163	23	64	64	NUM
ajis02-2579	163	24	and	and	CCONJ
ajis02-2579	163	25	below	below	ADP
ajis02-2579	163	26	global	global	ADJ
ajis02-2579	163	27	findex	findex	NOUN
ajis02-2579	163	28	(	(	PUNCT
ajis02-2579	163	29	2018	2018	NUM
ajis02-2579	163	30	)	)	PUNCT
ajis02-2579	163	31	venkatesh	venkatesh	PROPN
ajis02-2579	163	32	,	,	PUNCT
ajis02-2579	163	33	thong	thong	NOUN
ajis02-2579	163	34	,	,	PUNCT
ajis02-2579	163	35	and	and	CCONJ
ajis02-2579	163	36	xu	xu	PROPN
ajis02-2579	163	37	(	(	PUNCT
ajis02-2579	163	38	2012	2012	NUM
ajis02-2579	163	39	)	)	PUNCT
ajis02-2579	163	40	income	income	NOUN
ajis02-2579	163	41	willingness	willingness	NOUN
ajis02-2579	163	42	to	to	PART
ajis02-2579	163	43	pay	pay	VERB
ajis02-2579	163	44	(	(	PUNCT
ajis02-2579	163	45	wtp	wtp	NOUN
ajis02-2579	163	46	)	)	PUNCT
ajis02-2579	163	47	for	for	ADP
ajis02-2579	163	48	mobile	mobile	ADJ
ajis02-2579	163	49	money	money	NOUN
ajis02-2579	163	50	due	due	ADP
ajis02-2579	163	51	to	to	ADP
ajis02-2579	163	52	price	price	NOUN
ajis02-2579	163	53	value	value	NOUN
ajis02-2579	163	54	.	.	PUNCT
ajis02-2579	164	1	percentage	percentage	NOUN
ajis02-2579	164	2	of	of	ADP
ajis02-2579	164	3	mobile	mobile	ADJ
ajis02-2579	164	4	account	account	NOUN
ajis02-2579	164	5	ownership	ownership	NOUN
ajis02-2579	164	6	1	1	NUM
ajis02-2579	164	7	=	=	SYM
ajis02-2579	164	8	ownership	ownership	NOUN
ajis02-2579	164	9	0	0	NUM
ajis02-2579	165	1	=	=	SYM
ajis02-2579	165	2	otherwise	otherwise	ADV
ajis02-2579	165	3	global	global	ADJ
ajis02-2579	165	4	findex	findex	NOUN
ajis02-2579	165	5	(	(	PUNCT
ajis02-2579	165	6	2018	2018	NUM
ajis02-2579	165	7	)	)	PUNCT
ajis02-2579	165	8	venkatesh	venkatesh	PROPN
ajis02-2579	165	9	,	,	PUNCT
ajis02-2579	165	10	thong	thong	NOUN
ajis02-2579	165	11	,	,	PUNCT
ajis02-2579	165	12	and	and	CCONJ
ajis02-2579	165	13	xu	xu	PROPN
ajis02-2579	165	14	(	(	PUNCT
ajis02-2579	165	15	2012	2012	NUM
ajis02-2579	165	16	)	)	PUNCT
ajis02-2579	165	17	provider	provider	NOUN
ajis02-2579	165	18	size	size	NOUN
ajis02-2579	165	19	total	total	ADJ
ajis02-2579	165	20	assets	asset	NOUN
ajis02-2579	165	21	or	or	CCONJ
ajis02-2579	165	22	total	total	ADJ
ajis02-2579	165	23	market	market	NOUN
ajis02-2579	165	24	share	share	NOUN
ajis02-2579	165	25	controlled	control	VERB
ajis02-2579	165	26	by	by	ADP
ajis02-2579	165	27	an	an	DET
ajis02-2579	165	28	mno	mno	PROPN
ajis02-2579	165	29	total	total	ADJ
ajis02-2579	165	30	assets	asset	NOUN
ajis02-2579	165	31	or	or	CCONJ
ajis02-2579	165	32	total	total	ADJ
ajis02-2579	165	33	market	market	NOUN
ajis02-2579	165	34	share	share	NOUN
ajis02-2579	165	35	controlled	control	VERB
ajis02-2579	165	36	by	by	ADP
ajis02-2579	165	37	an	an	DET
ajis02-2579	165	38	mno	mno	PROPN
ajis02-2579	165	39	1	1	NUM
ajis02-2579	165	40	=	=	SYM
ajis02-2579	165	41	20	20	NUM
ajis02-2579	165	42	%	%	NOUN
ajis02-2579	165	43	and	and	CCONJ
ajis02-2579	165	44	above	above	ADP
ajis02-2579	165	45	0	0	NUM
ajis02-2579	166	1	=	=	SYM
ajis02-2579	166	2	19	19	NUM
ajis02-2579	166	3	%	%	NOUN
ajis02-2579	166	4	and	and	CCONJ
ajis02-2579	166	5	below	below	ADP
ajis02-2579	166	6	mnos	mno	NOUN
ajis02-2579	166	7	websites	website	NOUN
ajis02-2579	166	8	and	and	CCONJ
ajis02-2579	166	9	annual	annual	ADJ
ajis02-2579	166	10	financial	financial	ADJ
ajis02-2579	166	11	statements	statement	NOUN
ajis02-2579	166	12	(	(	PUNCT
ajis02-2579	166	13	2018	2018	NUM
ajis02-2579	166	14	)	)	PUNCT
ajis02-2579	166	15	marketing	marketing	NOUN
ajis02-2579	166	16	budget	budget	NOUN
ajis02-2579	166	17	total	total	ADJ
ajis02-2579	166	18	advertising	advertising	NOUN
ajis02-2579	166	19	budget	budget	NOUN
ajis02-2579	166	20	committed	commit	VERB
ajis02-2579	166	21	for	for	ADP
ajis02-2579	166	22	marketing	marketing	NOUN
ajis02-2579	166	23	mobile	mobile	ADJ
ajis02-2579	166	24	money	money	NOUN
ajis02-2579	166	25	in	in	ADP
ajis02-2579	166	26	a	a	DET
ajis02-2579	166	27	year	year	NOUN
ajis02-2579	166	28	total	total	ADJ
ajis02-2579	166	29	advertising	advertising	NOUN
ajis02-2579	166	30	budget	budget	NOUN
ajis02-2579	166	31	committed	commit	VERB
ajis02-2579	166	32	for	for	ADP
ajis02-2579	166	33	marketing	marketing	NOUN
ajis02-2579	166	34	mobile	mobile	ADJ
ajis02-2579	166	35	money	money	NOUN
ajis02-2579	166	36	in	in	ADP
ajis02-2579	166	37	a	a	DET
ajis02-2579	166	38	year	year	NOUN
ajis02-2579	166	39	1	1	NUM
ajis02-2579	166	40	=	=	SYM
ajis02-2579	166	41	us$	us$	SYM
ajis02-2579	166	42	1	1	NUM
ajis02-2579	166	43	million	million	NUM
ajis02-2579	166	44	and	and	CCONJ
ajis02-2579	166	45	above	above	ADP
ajis02-2579	166	46	0	0	NUM
ajis02-2579	166	47	=	=	PUNCT
ajis02-2579	166	48	below	below	ADP
ajis02-2579	166	49	us$	us$	SYM
ajis02-2579	166	50	1	1	NUM
ajis02-2579	166	51	million	million	NUM
ajis02-2579	166	52	mnos	mno	NOUN
ajis02-2579	166	53	websites	website	NOUN
ajis02-2579	166	54	and	and	CCONJ
ajis02-2579	166	55	annual	annual	ADJ
ajis02-2579	166	56	financial	financial	ADJ
ajis02-2579	166	57	statements	statement	NOUN
ajis02-2579	166	58	(	(	PUNCT
ajis02-2579	166	59	2018	2018	NUM
ajis02-2579	166	60	)	)	PUNCT
ajis02-2579	166	61	table	table	NOUN
ajis02-2579	166	62	1	1	NUM
ajis02-2579	166	63	:	:	PUNCT
ajis02-2579	166	64	variable	variable	ADJ
ajis02-2579	166	65	description	description	NOUN
ajis02-2579	166	66	,	,	PUNCT
ajis02-2579	166	67	measurement	measurement	NOUN
ajis02-2579	166	68	and	and	CCONJ
ajis02-2579	166	69	data	datum	NOUN
ajis02-2579	166	70	source	source	NOUN
ajis02-2579	166	71	australasian	australasian	ADJ
ajis02-2579	166	72	journal	journal	NOUN
ajis02-2579	166	73	of	of	ADP
ajis02-2579	166	74	information	information	NOUN
ajis02-2579	166	75	systems	system	NOUN
ajis02-2579	166	76	alhassan	alhassan	PROPN
ajis02-2579	166	77	,	,	PUNCT
ajis02-2579	166	78	li	li	PROPN
ajis02-2579	166	79	,	,	PUNCT
ajis02-2579	166	80	reddy	reddy	PROPN
ajis02-2579	166	81	&	&	CCONJ
ajis02-2579	166	82	duppati	duppati	PROPN
ajis02-2579	166	83	2020	2020	NUM
ajis02-2579	166	84	,	,	PUNCT
ajis02-2579	166	85	vol	vol	NOUN
ajis02-2579	166	86	24	24	NUM
ajis02-2579	166	87	,	,	PUNCT
ajis02-2579	166	88	research	research	NOUN
ajis02-2579	166	89	article	article	NOUN
ajis02-2579	166	90	consumer	consumer	NOUN
ajis02-2579	166	91	acceptance	acceptance	NOUN
ajis02-2579	166	92	and	and	CCONJ
ajis02-2579	166	93	continuance	continuance	NOUN
ajis02-2579	166	94	of	of	ADP
ajis02-2579	166	95	mobile	mobile	ADJ
ajis02-2579	166	96	money	money	NOUN
ajis02-2579	166	97	11	11	NUM
ajis02-2579	166	98	as	as	SCONJ
ajis02-2579	166	99	discussed	discuss	VERB
ajis02-2579	166	100	earlier	early	ADV
ajis02-2579	166	101	,	,	PUNCT
ajis02-2579	166	102	perceived	perceive	VERB
ajis02-2579	166	103	ease	ease	NOUN
ajis02-2579	166	104	of	of	ADP
ajis02-2579	166	105	use	use	NOUN
ajis02-2579	166	106	is	be	AUX
ajis02-2579	166	107	the	the	DET
ajis02-2579	166	108	proxy	proxy	NOUN
ajis02-2579	166	109	for	for	ADP
ajis02-2579	166	110	the	the	DET
ajis02-2579	166	111	percentage	percentage	NOUN
ajis02-2579	166	112	of	of	ADP
ajis02-2579	166	113	people	people	NOUN
ajis02-2579	166	114	with	with	ADP
ajis02-2579	166	115	primary	primary	ADJ
ajis02-2579	166	116	education	education	NOUN
ajis02-2579	166	117	or	or	CCONJ
ajis02-2579	166	118	lower	low	ADJ
ajis02-2579	166	119	who	who	PRON
ajis02-2579	166	120	have	have	VERB
ajis02-2579	166	121	mobile	mobile	ADJ
ajis02-2579	166	122	money	money	NOUN
ajis02-2579	166	123	accounts	account	NOUN
ajis02-2579	166	124	in	in	ADP
ajis02-2579	166	125	a	a	DET
ajis02-2579	166	126	country	country	NOUN
ajis02-2579	166	127	(	(	PUNCT
ajis02-2579	166	128	demirguc	demirguc	PROPN
ajis02-2579	166	129	-	-	PUNCT
ajis02-2579	166	130	kunt	kunt	PROPN
ajis02-2579	166	131	et	et	PROPN
ajis02-2579	166	132	al	al	PROPN
ajis02-2579	166	133	.	.	PROPN
ajis02-2579	166	134	,	,	PUNCT
ajis02-2579	166	135	2018	2018	NUM
ajis02-2579	166	136	)	)	PUNCT
ajis02-2579	166	137	.	.	PUNCT
ajis02-2579	167	1	perceived	perceive	VERB
ajis02-2579	167	2	ease	ease	NOUN
ajis02-2579	167	3	of	of	ADP
ajis02-2579	167	4	use	use	NOUN
ajis02-2579	167	5	is	be	AUX
ajis02-2579	167	6	a	a	DET
ajis02-2579	167	7	latent	latent	NOUN
ajis02-2579	167	8	variable	variable	NOUN
ajis02-2579	167	9	with	with	ADP
ajis02-2579	167	10	a	a	DET
ajis02-2579	167	11	number	number	NOUN
ajis02-2579	167	12	of	of	ADP
ajis02-2579	167	13	items	item	NOUN
ajis02-2579	167	14	(	(	PUNCT
ajis02-2579	167	15	ubiquity	ubiquity	NOUN
ajis02-2579	167	16	/	/	SYM
ajis02-2579	167	17	power	power	NOUN
ajis02-2579	167	18	,	,	PUNCT
ajis02-2579	167	19	regulation	regulation	NOUN
ajis02-2579	167	20	,	,	PUNCT
ajis02-2579	167	21	education	education	NOUN
ajis02-2579	167	22	and	and	CCONJ
ajis02-2579	167	23	gender	gender	NOUN
ajis02-2579	167	24	)	)	PUNCT
ajis02-2579	167	25	as	as	ADP
ajis02-2579	167	26	its	its	PRON
ajis02-2579	167	27	antecedents	antecedent	NOUN
ajis02-2579	167	28	and	and	CCONJ
ajis02-2579	167	29	which	which	PRON
ajis02-2579	167	30	are	be	AUX
ajis02-2579	167	31	taken	take	VERB
ajis02-2579	167	32	from	from	ADP
ajis02-2579	167	33	previously	previously	ADV
ajis02-2579	167	34	validated	validate	VERB
ajis02-2579	167	35	studies	study	NOUN
ajis02-2579	167	36	and	and	CCONJ
ajis02-2579	167	37	modified	modify	VERB
ajis02-2579	167	38	to	to	PART
ajis02-2579	167	39	fit	fit	VERB
ajis02-2579	167	40	the	the	DET
ajis02-2579	167	41	specific	specific	ADJ
ajis02-2579	167	42	technology	technology	NOUN
ajis02-2579	167	43	under	under	ADP
ajis02-2579	167	44	study	study	NOUN
ajis02-2579	167	45	(	(	PUNCT
ajis02-2579	167	46	rubin	rubin	PROPN
ajis02-2579	167	47	,	,	PUNCT
ajis02-2579	167	48	2017	2017	NUM
ajis02-2579	167	49	;	;	PUNCT
ajis02-2579	167	50	luarn	luarn	NOUN
ajis02-2579	167	51	and	and	CCONJ
ajis02-2579	167	52	lin	lin	PROPN
ajis02-2579	167	53	,	,	PUNCT
ajis02-2579	167	54	2005	2005	NUM
ajis02-2579	167	55	;	;	PUNCT
ajis02-2579	167	56	venkatesh	venkatesh	PROPN
ajis02-2579	167	57	and	and	CCONJ
ajis02-2579	167	58	davis	davis	PROPN
ajis02-2579	167	59	,	,	PUNCT
ajis02-2579	167	60	1996	1996	NUM
ajis02-2579	167	61	;	;	PUNCT
ajis02-2579	167	62	liu	liu	PROPN
ajis02-2579	167	63	,	,	PUNCT
ajis02-2579	167	64	kauffman	kauffman	PROPN
ajis02-2579	167	65	and	and	CCONJ
ajis02-2579	167	66	ma	ma	PROPN
ajis02-2579	167	67	,	,	PUNCT
ajis02-2579	167	68	2015	2015	NUM
ajis02-2579	167	69	;	;	PUNCT
ajis02-2579	167	70	venkatesh	venkatesh	PROPN
ajis02-2579	167	71	et	et	PROPN
ajis02-2579	167	72	al	al	PROPN
ajis02-2579	167	73	.	.	PROPN
ajis02-2579	167	74	,	,	PUNCT
ajis02-2579	167	75	2012	2012	NUM
ajis02-2579	167	76	)	)	PUNCT
ajis02-2579	167	77	.	.	PUNCT
ajis02-2579	168	1	facilitating	facilitate	VERB
ajis02-2579	168	2	conditions	condition	NOUN
ajis02-2579	168	3	include	include	VERB
ajis02-2579	168	4	individual	individual	ADJ
ajis02-2579	168	5	covariates	covariate	NOUN
ajis02-2579	168	6	such	such	ADJ
ajis02-2579	168	7	as	as	ADP
ajis02-2579	168	8	age	age	NOUN
ajis02-2579	168	9	,	,	PUNCT
ajis02-2579	168	10	gender	gender	NOUN
ajis02-2579	168	11	(	(	PUNCT
ajis02-2579	168	12	female	female	NOUN
ajis02-2579	168	13	)	)	PUNCT
ajis02-2579	168	14	,	,	PUNCT
ajis02-2579	168	15	income	income	NOUN
ajis02-2579	168	16	disparities	disparity	NOUN
ajis02-2579	168	17	and	and	CCONJ
ajis02-2579	168	18	experience	experience	NOUN
ajis02-2579	168	19	(	(	PUNCT
ajis02-2579	168	20	education	education	NOUN
ajis02-2579	168	21	)	)	PUNCT
ajis02-2579	168	22	,	,	PUNCT
ajis02-2579	168	23	all	all	PRON
ajis02-2579	168	24	of	of	ADP
ajis02-2579	168	25	which	which	PRON
ajis02-2579	168	26	affect	affect	VERB
ajis02-2579	168	27	the	the	DET
ajis02-2579	168	28	main	main	ADJ
ajis02-2579	168	29	tam	tam	NOUN
ajis02-2579	168	30	construct	construct	NOUN
ajis02-2579	168	31	,	,	PUNCT
ajis02-2579	168	32	perceived	perceive	VERB
ajis02-2579	168	33	ease	ease	NOUN
ajis02-2579	168	34	of	of	ADP
ajis02-2579	168	35	use	use	NOUN
ajis02-2579	168	36	and	and	CCONJ
ajis02-2579	168	37	the	the	DET
ajis02-2579	168	38	control	control	NOUN
ajis02-2579	168	39	variables	variable	NOUN
ajis02-2579	168	40	.	.	PUNCT
ajis02-2579	169	1	for	for	ADP
ajis02-2579	169	2	the	the	DET
ajis02-2579	169	3	other	other	ADJ
ajis02-2579	169	4	controls	control	NOUN
ajis02-2579	169	5	,	,	PUNCT
ajis02-2579	169	6	provider	provider	NOUN
ajis02-2579	169	7	size	size	NOUN
ajis02-2579	169	8	and	and	CCONJ
ajis02-2579	169	9	marketing	marketing	NOUN
ajis02-2579	169	10	strategies	strategy	NOUN
ajis02-2579	169	11	,	,	PUNCT
ajis02-2579	169	12	we	we	PRON
ajis02-2579	169	13	obtained	obtain	VERB
ajis02-2579	169	14	data	datum	NOUN
ajis02-2579	169	15	from	from	ADP
ajis02-2579	169	16	financial	financial	ADJ
ajis02-2579	169	17	statements	statement	NOUN
ajis02-2579	169	18	and	and	CCONJ
ajis02-2579	169	19	other	other	ADJ
ajis02-2579	169	20	information	information	NOUN
ajis02-2579	169	21	on	on	ADP
ajis02-2579	169	22	the	the	DET
ajis02-2579	169	23	websites	website	NOUN
ajis02-2579	169	24	of	of	ADP
ajis02-2579	169	25	various	various	ADJ
ajis02-2579	169	26	mnos	mno	NOUN
ajis02-2579	169	27	.	.	PUNCT
ajis02-2579	170	1	perceived	perceive	VERB
ajis02-2579	170	2	usefulness	usefulness	NOUN
ajis02-2579	170	3	,	,	PUNCT
ajis02-2579	170	4	also	also	ADV
ajis02-2579	170	5	a	a	DET
ajis02-2579	170	6	latent	latent	ADJ
ajis02-2579	170	7	variable	variable	NOUN
ajis02-2579	170	8	(	(	PUNCT
ajis02-2579	170	9	proxied	proxie	VERB
ajis02-2579	170	10	as	as	ADP
ajis02-2579	170	11	the	the	DET
ajis02-2579	170	12	percentage	percentage	NOUN
ajis02-2579	170	13	of	of	ADP
ajis02-2579	170	14	people	people	NOUN
ajis02-2579	170	15	who	who	PRON
ajis02-2579	170	16	used	use	VERB
ajis02-2579	170	17	the	the	DET
ajis02-2579	170	18	internet	internet	NOUN
ajis02-2579	170	19	to	to	PART
ajis02-2579	170	20	pay	pay	VERB
ajis02-2579	170	21	bills	bill	NOUN
ajis02-2579	170	22	or	or	CCONJ
ajis02-2579	170	23	to	to	PART
ajis02-2579	170	24	buy	buy	VERB
ajis02-2579	170	25	something	something	PRON
ajis02-2579	170	26	online	online	ADV
ajis02-2579	170	27	in	in	ADP
ajis02-2579	170	28	the	the	DET
ajis02-2579	170	29	past	past	ADJ
ajis02-2579	170	30	year	year	NOUN
ajis02-2579	170	31	)	)	PUNCT
ajis02-2579	170	32	,	,	PUNCT
ajis02-2579	170	33	(	(	PUNCT
ajis02-2579	170	34	demirguc	demirguc	PROPN
ajis02-2579	170	35	-	-	PUNCT
ajis02-2579	170	36	kunt	kunt	PROPN
ajis02-2579	170	37	et	et	PROPN
ajis02-2579	170	38	al	al	PROPN
ajis02-2579	170	39	.	.	PROPN
ajis02-2579	170	40	2018	2018	NUM
ajis02-2579	170	41	)	)	PUNCT
ajis02-2579	170	42	,	,	PUNCT
ajis02-2579	170	43	is	be	AUX
ajis02-2579	170	44	determined	determine	VERB
ajis02-2579	170	45	by	by	ADP
ajis02-2579	170	46	the	the	DET
ajis02-2579	170	47	adoption	adoption	NOUN
ajis02-2579	170	48	features	feature	VERB
ajis02-2579	170	49	comprising	comprise	VERB
ajis02-2579	170	50	the	the	DET
ajis02-2579	170	51	constructs	construct	NOUN
ajis02-2579	170	52	of	of	ADP
ajis02-2579	170	53	rural	rural	ADJ
ajis02-2579	170	54	dwelling	dwelling	NOUN
ajis02-2579	170	55	and	and	CCONJ
ajis02-2579	170	56	cost	cost	NOUN
ajis02-2579	170	57	(	(	PUNCT
ajis02-2579	170	58	fishbein	fishbein	ADJ
ajis02-2579	170	59	and	and	CCONJ
ajis02-2579	170	60	ajzen	ajzen	NOUN
ajis02-2579	170	61	,	,	PUNCT
ajis02-2579	170	62	1975	1975	NUM
ajis02-2579	170	63	;	;	PUNCT
ajis02-2579	171	1	venkatesh	venkatesh	PROPN
ajis02-2579	171	2	et	et	PROPN
ajis02-2579	171	3	al	al	PROPN
ajis02-2579	171	4	.	.	PROPN
ajis02-2579	171	5	,	,	PUNCT
ajis02-2579	171	6	2012	2012	NUM
ajis02-2579	171	7	;	;	PUNCT
ajis02-2579	171	8	swanson	swanson	PROPN
ajis02-2579	171	9	,	,	PUNCT
ajis02-2579	171	10	1982	1982	NUM
ajis02-2579	171	11	)	)	PUNCT
ajis02-2579	171	12	.	.	PUNCT
ajis02-2579	172	1	the	the	DET
ajis02-2579	172	2	hypothesised	hypothesised	ADJ
ajis02-2579	172	3	model	model	NOUN
ajis02-2579	172	4	(	(	PUNCT
ajis02-2579	172	5	figure	figure	NOUN
ajis02-2579	172	6	1	1	NUM
ajis02-2579	172	7	)	)	PUNCT
ajis02-2579	172	8	comprised	comprise	VERB
ajis02-2579	172	9	12	12	NUM
ajis02-2579	172	10	observed	observed	ADJ
ajis02-2579	172	11	variables	variable	NOUN
ajis02-2579	172	12	and	and	CCONJ
ajis02-2579	172	13	two	two	NUM
ajis02-2579	172	14	latent	latent	NOUN
ajis02-2579	172	15	constructs	construct	NOUN
ajis02-2579	172	16	(	(	PUNCT
ajis02-2579	172	17	perceived	perceive	VERB
ajis02-2579	172	18	usefulness	usefulness	NOUN
ajis02-2579	172	19	,	,	PUNCT
ajis02-2579	172	20	perceived	perceive	VERB
ajis02-2579	172	21	ease	ease	NOUN
ajis02-2579	172	22	of	of	ADP
ajis02-2579	172	23	use	use	NOUN
ajis02-2579	172	24	)	)	PUNCT
ajis02-2579	172	25	are	be	AUX
ajis02-2579	172	26	used	use	VERB
ajis02-2579	172	27	to	to	PART
ajis02-2579	172	28	determine	determine	VERB
ajis02-2579	172	29	intentions	intention	NOUN
ajis02-2579	172	30	to	to	PART
ajis02-2579	172	31	adopt	adopt	VERB
ajis02-2579	172	32	and	and	CCONJ
ajis02-2579	172	33	to	to	PART
ajis02-2579	172	34	continue	continue	VERB
ajis02-2579	172	35	using	use	VERB
ajis02-2579	172	36	mobile	mobile	ADJ
ajis02-2579	172	37	money	money	NOUN
ajis02-2579	172	38	in	in	ADP
ajis02-2579	172	39	africa	africa	PROPN
ajis02-2579	172	40	.	.	PUNCT
ajis02-2579	173	1	the	the	DET
ajis02-2579	173	2	full	full	ADJ
ajis02-2579	173	3	list	list	NOUN
ajis02-2579	173	4	of	of	ADP
ajis02-2579	173	5	items	item	NOUN
ajis02-2579	173	6	used	use	VERB
ajis02-2579	173	7	in	in	ADP
ajis02-2579	173	8	this	this	DET
ajis02-2579	173	9	study	study	NOUN
ajis02-2579	173	10	and	and	CCONJ
ajis02-2579	173	11	their	their	PRON
ajis02-2579	173	12	modifications	modification	NOUN
ajis02-2579	173	13	are	be	AUX
ajis02-2579	173	14	listed	list	VERB
ajis02-2579	173	15	in	in	ADP
ajis02-2579	173	16	table	table	NOUN
ajis02-2579	173	17	1	1	NUM
ajis02-2579	173	18	.	.	PUNCT
ajis02-2579	173	19	4.3	4.3	NUM
ajis02-2579	173	20	assumptions	assumption	NOUN
ajis02-2579	173	21	for	for	ADP
ajis02-2579	173	22	secondary	secondary	ADJ
ajis02-2579	173	23	data	datum	NOUN
ajis02-2579	173	24	as	as	ADP
ajis02-2579	173	25	an	an	DET
ajis02-2579	173	26	alternative	alternative	NOUN
ajis02-2579	173	27	to	to	ADP
ajis02-2579	173	28	traditional	traditional	ADJ
ajis02-2579	173	29	tam	tam	NOUN
ajis02-2579	173	30	traditionally	traditionally	ADV
ajis02-2579	173	31	,	,	PUNCT
ajis02-2579	173	32	tam	tam	PROPN
ajis02-2579	173	33	is	be	AUX
ajis02-2579	173	34	grounded	ground	VERB
ajis02-2579	173	35	in	in	ADP
ajis02-2579	173	36	primary	primary	ADJ
ajis02-2579	173	37	data	datum	NOUN
ajis02-2579	173	38	since	since	SCONJ
ajis02-2579	173	39	constructs	construct	NOUN
ajis02-2579	173	40	are	be	AUX
ajis02-2579	173	41	built	build	VERB
ajis02-2579	173	42	based	base	VERB
ajis02-2579	173	43	on	on	ADP
ajis02-2579	173	44	predetermined	predetermine	VERB
ajis02-2579	173	45	survey	survey	NOUN
ajis02-2579	173	46	questions	question	NOUN
ajis02-2579	173	47	that	that	PRON
ajis02-2579	173	48	enquire	enquire	VERB
ajis02-2579	173	49	about	about	ADP
ajis02-2579	173	50	user	user	NOUN
ajis02-2579	173	51	intentions	intention	NOUN
ajis02-2579	173	52	to	to	PART
ajis02-2579	173	53	adopt	adopt	VERB
ajis02-2579	173	54	and	and	CCONJ
ajis02-2579	173	55	use	use	VERB
ajis02-2579	173	56	a	a	DET
ajis02-2579	173	57	particular	particular	ADJ
ajis02-2579	173	58	is	be	AUX
ajis02-2579	173	59	.	.	PUNCT
ajis02-2579	174	1	the	the	DET
ajis02-2579	174	2	limitations	limitation	NOUN
ajis02-2579	174	3	of	of	ADP
ajis02-2579	174	4	the	the	DET
ajis02-2579	174	5	context	context	NOUN
ajis02-2579	174	6	in	in	ADP
ajis02-2579	174	7	which	which	PRON
ajis02-2579	174	8	this	this	DET
ajis02-2579	174	9	study	study	NOUN
ajis02-2579	174	10	was	be	AUX
ajis02-2579	174	11	conducted	conduct	VERB
ajis02-2579	174	12	compelled	compel	VERB
ajis02-2579	174	13	the	the	DET
ajis02-2579	174	14	use	use	NOUN
ajis02-2579	174	15	of	of	ADP
ajis02-2579	174	16	secondary	secondary	ADJ
ajis02-2579	174	17	data	datum	NOUN
ajis02-2579	174	18	as	as	ADP
ajis02-2579	174	19	proxies	proxy	NOUN
ajis02-2579	174	20	for	for	ADP
ajis02-2579	174	21	the	the	DET
ajis02-2579	174	22	traditional	traditional	ADJ
ajis02-2579	174	23	tam	tam	NOUN
ajis02-2579	174	24	constructs	construct	NOUN
ajis02-2579	174	25	.	.	PUNCT
ajis02-2579	175	1	the	the	DET
ajis02-2579	175	2	following	follow	VERB
ajis02-2579	175	3	assumptions	assumption	NOUN
ajis02-2579	175	4	guide	guide	VERB
ajis02-2579	175	5	the	the	DET
ajis02-2579	175	6	use	use	NOUN
ajis02-2579	175	7	of	of	ADP
ajis02-2579	175	8	secondary	secondary	ADJ
ajis02-2579	175	9	data	datum	NOUN
ajis02-2579	175	10	:	:	PUNCT
ajis02-2579	175	11	1	1	X
ajis02-2579	175	12	.	.	PUNCT
ajis02-2579	175	13	the	the	DET
ajis02-2579	175	14	choice	choice	NOUN
ajis02-2579	175	15	of	of	ADP
ajis02-2579	175	16	the	the	DET
ajis02-2579	175	17	secondary	secondary	ADJ
ajis02-2579	175	18	data	datum	NOUN
ajis02-2579	175	19	approach	approach	NOUN
ajis02-2579	175	20	is	be	AUX
ajis02-2579	175	21	governed	govern	VERB
ajis02-2579	175	22	by	by	ADP
ajis02-2579	175	23	both	both	CCONJ
ajis02-2579	175	24	the	the	DET
ajis02-2579	175	25	research	research	NOUN
ajis02-2579	175	26	questions	question	NOUN
ajis02-2579	175	27	and	and	CCONJ
ajis02-2579	175	28	data	datum	NOUN
ajis02-2579	175	29	availability	availability	NOUN
ajis02-2579	175	30	.	.	PUNCT
ajis02-2579	176	1	the	the	DET
ajis02-2579	176	2	research	research	NOUN
ajis02-2579	176	3	question	question	NOUN
ajis02-2579	176	4	approach	approach	NOUN
ajis02-2579	176	5	is	be	AUX
ajis02-2579	176	6	used	use	VERB
ajis02-2579	176	7	because	because	SCONJ
ajis02-2579	176	8	the	the	DET
ajis02-2579	176	9	authors	author	NOUN
ajis02-2579	176	10	have	have	VERB
ajis02-2579	176	11	a	a	DET
ajis02-2579	176	12	priori	priori	ADJ
ajis02-2579	176	13	hypotheses	hypothesis	NOUN
ajis02-2579	176	14	that	that	PRON
ajis02-2579	176	15	needed	need	VERB
ajis02-2579	176	16	verification	verification	NOUN
ajis02-2579	176	17	through	through	ADP
ajis02-2579	176	18	suitable	suitable	ADJ
ajis02-2579	176	19	datasets	dataset	NOUN
ajis02-2579	176	20	.	.	PUNCT
ajis02-2579	177	1	the	the	DET
ajis02-2579	177	2	datasets	dataset	NOUN
ajis02-2579	177	3	used	use	VERB
ajis02-2579	177	4	in	in	ADP
ajis02-2579	177	5	this	this	DET
ajis02-2579	177	6	study	study	NOUN
ajis02-2579	177	7	were	be	AUX
ajis02-2579	177	8	deemed	deem	VERB
ajis02-2579	177	9	to	to	PART
ajis02-2579	177	10	be	be	AUX
ajis02-2579	177	11	the	the	DET
ajis02-2579	177	12	most	most	ADV
ajis02-2579	177	13	appropriate	appropriate	ADJ
ajis02-2579	177	14	proxies	proxy	NOUN
ajis02-2579	177	15	because	because	SCONJ
ajis02-2579	177	16	of	of	ADP
ajis02-2579	177	17	the	the	DET
ajis02-2579	177	18	unique	unique	ADJ
ajis02-2579	177	19	nature	nature	NOUN
ajis02-2579	177	20	of	of	ADP
ajis02-2579	177	21	the	the	DET
ajis02-2579	177	22	phenomenon	phenomenon	NOUN
ajis02-2579	177	23	under	under	ADP
ajis02-2579	177	24	investigation	investigation	NOUN
ajis02-2579	177	25	.	.	PUNCT
ajis02-2579	178	1	2	2	X
ajis02-2579	178	2	.	.	X
ajis02-2579	178	3	the	the	DET
ajis02-2579	178	4	authors	author	NOUN
ajis02-2579	178	5	generated	generate	VERB
ajis02-2579	178	6	operational	operational	ADJ
ajis02-2579	178	7	definitions	definition	NOUN
ajis02-2579	178	8	of	of	ADP
ajis02-2579	178	9	the	the	DET
ajis02-2579	178	10	proxies	proxy	NOUN
ajis02-2579	178	11	used	use	VERB
ajis02-2579	178	12	,	,	PUNCT
ajis02-2579	178	13	and	and	CCONJ
ajis02-2579	178	14	the	the	DET
ajis02-2579	178	15	independent	independent	ADJ
ajis02-2579	178	16	,	,	PUNCT
ajis02-2579	178	17	control	control	NOUN
ajis02-2579	178	18	,	,	PUNCT
ajis02-2579	178	19	and	and	CCONJ
ajis02-2579	178	20	outcome	outcome	NOUN
ajis02-2579	178	21	variables	variable	NOUN
ajis02-2579	178	22	.	.	PUNCT
ajis02-2579	179	1	this	this	PRON
ajis02-2579	179	2	helped	help	VERB
ajis02-2579	179	3	us	we	PRON
ajis02-2579	179	4	to	to	PART
ajis02-2579	179	5	identify	identify	VERB
ajis02-2579	179	6	the	the	DET
ajis02-2579	179	7	best	good	ADJ
ajis02-2579	179	8	analytical	analytical	ADJ
ajis02-2579	179	9	approach	approach	NOUN
ajis02-2579	179	10	to	to	ADP
ajis02-2579	179	11	use	use	NOUN
ajis02-2579	179	12	.	.	PUNCT
ajis02-2579	180	1	3	3	X
ajis02-2579	180	2	.	.	X
ajis02-2579	180	3	the	the	DET
ajis02-2579	180	4	data	data	NOUN
ajis02-2579	180	5	is	be	AUX
ajis02-2579	180	6	recorded	record	VERB
ajis02-2579	180	7	from	from	ADP
ajis02-2579	180	8	the	the	DET
ajis02-2579	180	9	original	original	ADJ
ajis02-2579	180	10	variables	variable	NOUN
ajis02-2579	180	11	.	.	PUNCT
ajis02-2579	181	1	this	this	PRON
ajis02-2579	181	2	is	be	AUX
ajis02-2579	181	3	done	do	VERB
ajis02-2579	181	4	in	in	ADP
ajis02-2579	181	5	order	order	NOUN
ajis02-2579	181	6	to	to	PART
ajis02-2579	181	7	transform	transform	VERB
ajis02-2579	181	8	them	they	PRON
ajis02-2579	181	9	to	to	PART
ajis02-2579	181	10	meet	meet	VERB
ajis02-2579	181	11	the	the	DET
ajis02-2579	181	12	assumptions	assumption	NOUN
ajis02-2579	181	13	of	of	ADP
ajis02-2579	181	14	the	the	DET
ajis02-2579	181	15	statistical	statistical	ADJ
ajis02-2579	181	16	model	model	NOUN
ajis02-2579	181	17	of	of	ADP
ajis02-2579	181	18	analysis	analysis	NOUN
ajis02-2579	181	19	,	,	PUNCT
ajis02-2579	181	20	structural	structural	ADJ
ajis02-2579	181	21	equation	equation	NOUN
ajis02-2579	181	22	modelling	modelling	NOUN
ajis02-2579	181	23	(	(	PUNCT
ajis02-2579	181	24	sem	sem	NOUN
ajis02-2579	181	25	)	)	PUNCT
ajis02-2579	181	26	.	.	PUNCT
ajis02-2579	182	1	using	use	VERB
ajis02-2579	182	2	secondary	secondary	ADJ
ajis02-2579	182	3	data	datum	NOUN
ajis02-2579	182	4	as	as	ADP
ajis02-2579	182	5	an	an	DET
ajis02-2579	182	6	alternative	alternative	NOUN
ajis02-2579	182	7	to	to	ADP
ajis02-2579	182	8	tam	tam	PROPN
ajis02-2579	182	9	,	,	PUNCT
ajis02-2579	182	10	simulation	simulation	NOUN
ajis02-2579	182	11	analysis	analysis	NOUN
ajis02-2579	182	12	has	have	VERB
ajis02-2579	182	13	some	some	DET
ajis02-2579	182	14	advantages	advantage	NOUN
ajis02-2579	182	15	,	,	PUNCT
ajis02-2579	182	16	including	include	VERB
ajis02-2579	182	17	its	its	PRON
ajis02-2579	182	18	cost	cost	NOUN
ajis02-2579	182	19	-	-	PUNCT
ajis02-2579	182	20	effective	effective	ADJ
ajis02-2579	182	21	nature	nature	NOUN
ajis02-2579	182	22	.	.	PUNCT
ajis02-2579	183	1	secondary	secondary	ADJ
ajis02-2579	183	2	datasets	dataset	NOUN
ajis02-2579	183	3	may	may	AUX
ajis02-2579	183	4	be	be	AUX
ajis02-2579	183	5	regarded	regard	VERB
ajis02-2579	183	6	as	as	ADP
ajis02-2579	183	7	‘	'	PUNCT
ajis02-2579	183	8	clean	clean	ADJ
ajis02-2579	183	9	data	datum	NOUN
ajis02-2579	183	10	’	'	PUNCT
ajis02-2579	183	11	,	,	PUNCT
ajis02-2579	183	12	already	already	ADV
ajis02-2579	183	13	scrutinised	scrutinise	VERB
ajis02-2579	183	14	by	by	ADP
ajis02-2579	183	15	primary	primary	ADJ
ajis02-2579	183	16	data	datum	NOUN
ajis02-2579	183	17	collectors	collector	NOUN
ajis02-2579	183	18	who	who	PRON
ajis02-2579	183	19	normally	normally	ADV
ajis02-2579	183	20	document	document	VERB
ajis02-2579	183	21	the	the	DET
ajis02-2579	183	22	data	data	NOUN
ajis02-2579	183	23	collection	collection	NOUN
ajis02-2579	183	24	and	and	CCONJ
ajis02-2579	183	25	filtration	filtration	NOUN
ajis02-2579	183	26	process	process	NOUN
ajis02-2579	183	27	.	.	PUNCT
ajis02-2579	184	1	the	the	DET
ajis02-2579	184	2	hypotheses	hypothesis	NOUN
ajis02-2579	184	3	for	for	ADP
ajis02-2579	184	4	this	this	DET
ajis02-2579	184	5	study	study	NOUN
ajis02-2579	184	6	would	would	AUX
ajis02-2579	184	7	otherwise	otherwise	ADV
ajis02-2579	184	8	require	require	VERB
ajis02-2579	184	9	primary	primary	ADJ
ajis02-2579	184	10	datasets	dataset	NOUN
ajis02-2579	184	11	are	be	AUX
ajis02-2579	184	12	potentially	potentially	ADV
ajis02-2579	184	13	costly	costly	ADJ
ajis02-2579	184	14	to	to	PART
ajis02-2579	184	15	acquire	acquire	VERB
ajis02-2579	184	16	.	.	PUNCT
ajis02-2579	185	1	using	use	VERB
ajis02-2579	185	2	datasets	dataset	NOUN
ajis02-2579	185	3	that	that	PRON
ajis02-2579	185	4	are	be	AUX
ajis02-2579	185	5	already	already	ADV
ajis02-2579	185	6	available	available	ADJ
ajis02-2579	185	7	saves	save	VERB
ajis02-2579	185	8	money	money	NOUN
ajis02-2579	185	9	,	,	PUNCT
ajis02-2579	185	10	time	time	NOUN
ajis02-2579	185	11	,	,	PUNCT
ajis02-2579	185	12	and	and	CCONJ
ajis02-2579	185	13	serves	serve	VERB
ajis02-2579	185	14	as	as	ADP
ajis02-2579	185	15	a	a	DET
ajis02-2579	185	16	preliminary	preliminary	ADJ
ajis02-2579	185	17	study	study	NOUN
ajis02-2579	185	18	for	for	ADP
ajis02-2579	185	19	future	future	ADJ
ajis02-2579	185	20	undertakings	undertaking	NOUN
ajis02-2579	185	21	.	.	PUNCT
ajis02-2579	186	1	secondary	secondary	ADJ
ajis02-2579	186	2	data	datum	NOUN
ajis02-2579	186	3	also	also	ADV
ajis02-2579	186	4	provides	provide	VERB
ajis02-2579	186	5	us	we	PRON
ajis02-2579	186	6	with	with	ADP
ajis02-2579	186	7	the	the	DET
ajis02-2579	186	8	ability	ability	NOUN
ajis02-2579	186	9	to	to	PART
ajis02-2579	186	10	cross	cross	VERB
ajis02-2579	186	11	-	-	ADJ
ajis02-2579	186	12	link	link	ADJ
ajis02-2579	186	13	information	information	NOUN
ajis02-2579	186	14	from	from	ADP
ajis02-2579	186	15	different	different	ADJ
ajis02-2579	186	16	data	datum	NOUN
ajis02-2579	186	17	sources	source	NOUN
ajis02-2579	186	18	that	that	PRON
ajis02-2579	186	19	are	be	AUX
ajis02-2579	186	20	key	key	ADJ
ajis02-2579	186	21	to	to	ADP
ajis02-2579	186	22	studying	study	VERB
ajis02-2579	186	23	ongoing	ongoing	ADJ
ajis02-2579	186	24	usage	usage	NOUN
ajis02-2579	186	25	of	of	ADP
ajis02-2579	186	26	mobile	mobile	ADJ
ajis02-2579	186	27	money	money	NOUN
ajis02-2579	186	28	systems	system	NOUN
ajis02-2579	186	29	for	for	ADP
ajis02-2579	186	30	which	which	PRON
ajis02-2579	186	31	the	the	DET
ajis02-2579	186	32	original	original	ADJ
ajis02-2579	186	33	tam	tam	NOUN
ajis02-2579	186	34	model	model	NOUN
ajis02-2579	186	35	lacks	lack	VERB
ajis02-2579	186	36	.	.	PUNCT
ajis02-2579	187	1	this	this	PRON
ajis02-2579	187	2	is	be	AUX
ajis02-2579	187	3	australasian	australasian	ADJ
ajis02-2579	187	4	journal	journal	NOUN
ajis02-2579	187	5	of	of	ADP
ajis02-2579	187	6	information	information	NOUN
ajis02-2579	187	7	systems	system	NOUN
ajis02-2579	187	8	alhassan	alhassan	PROPN
ajis02-2579	187	9	,	,	PUNCT
ajis02-2579	187	10	li	li	PROPN
ajis02-2579	187	11	,	,	PUNCT
ajis02-2579	187	12	reddy	reddy	PROPN
ajis02-2579	187	13	&	&	CCONJ
ajis02-2579	187	14	duppati	duppati	PROPN
ajis02-2579	187	15	2020	2020	NUM
ajis02-2579	187	16	,	,	PUNCT
ajis02-2579	187	17	vol	vol	NOUN
ajis02-2579	187	18	24	24	NUM
ajis02-2579	187	19	,	,	PUNCT
ajis02-2579	187	20	research	research	NOUN
ajis02-2579	187	21	article	article	NOUN
ajis02-2579	187	22	consumer	consumer	NOUN
ajis02-2579	187	23	acceptance	acceptance	NOUN
ajis02-2579	187	24	and	and	CCONJ
ajis02-2579	187	25	continuance	continuance	NOUN
ajis02-2579	187	26	of	of	ADP
ajis02-2579	187	27	mobile	mobile	ADJ
ajis02-2579	187	28	money	money	NOUN
ajis02-2579	187	29	12	12	NUM
ajis02-2579	187	30	necessary	necessary	ADJ
ajis02-2579	187	31	as	as	SCONJ
ajis02-2579	187	32	some	some	DET
ajis02-2579	187	33	researchers	researcher	NOUN
ajis02-2579	187	34	agree	agree	VERB
ajis02-2579	187	35	that	that	SCONJ
ajis02-2579	187	36	tam	tam	PROPN
ajis02-2579	187	37	is	be	AUX
ajis02-2579	187	38	more	more	ADV
ajis02-2579	187	39	parsimonious	parsimonious	ADJ
ajis02-2579	187	40	(	(	PUNCT
ajis02-2579	187	41	bagozzi	bagozzi	ADJ
ajis02-2579	187	42	,	,	PUNCT
ajis02-2579	187	43	2007	2007	NUM
ajis02-2579	187	44	)	)	PUNCT
ajis02-2579	187	45	and	and	CCONJ
ajis02-2579	187	46	therefore	therefore	ADV
ajis02-2579	187	47	requires	require	VERB
ajis02-2579	187	48	additional	additional	ADJ
ajis02-2579	187	49	constructs	construct	NOUN
ajis02-2579	187	50	to	to	PART
ajis02-2579	187	51	help	help	VERB
ajis02-2579	187	52	understand	understand	VERB
ajis02-2579	187	53	the	the	DET
ajis02-2579	187	54	adoption	adoption	NOUN
ajis02-2579	187	55	of	of	ADP
ajis02-2579	187	56	mobile	mobile	ADJ
ajis02-2579	187	57	money	money	NOUN
ajis02-2579	187	58	in	in	ADP
ajis02-2579	187	59	africa	africa	PROPN
ajis02-2579	187	60	.	.	PUNCT
ajis02-2579	188	1	the	the	DET
ajis02-2579	188	2	use	use	NOUN
ajis02-2579	188	3	of	of	ADP
ajis02-2579	188	4	the	the	DET
ajis02-2579	188	5	proxies	proxy	NOUN
ajis02-2579	188	6	has	have	AUX
ajis02-2579	188	7	,	,	PUNCT
ajis02-2579	188	8	therefore	therefore	ADV
ajis02-2579	188	9	,	,	PUNCT
ajis02-2579	188	10	opened	open	VERB
ajis02-2579	188	11	up	up	ADP
ajis02-2579	188	12	another	another	DET
ajis02-2579	188	13	window	window	NOUN
ajis02-2579	188	14	from	from	ADP
ajis02-2579	188	15	which	which	PRON
ajis02-2579	188	16	tam	tam	NOUN
ajis02-2579	188	17	researchers	researcher	NOUN
ajis02-2579	188	18	can	can	AUX
ajis02-2579	188	19	approach	approach	VERB
ajis02-2579	188	20	with	with	ADP
ajis02-2579	188	21	confidence	confidence	NOUN
ajis02-2579	188	22	.	.	PUNCT
ajis02-2579	189	1	finally	finally	ADV
ajis02-2579	189	2	,	,	PUNCT
ajis02-2579	189	3	the	the	DET
ajis02-2579	189	4	use	use	NOUN
ajis02-2579	189	5	of	of	ADP
ajis02-2579	189	6	secondary	secondary	ADJ
ajis02-2579	189	7	data	datum	NOUN
ajis02-2579	189	8	in	in	ADP
ajis02-2579	189	9	this	this	DET
ajis02-2579	189	10	study	study	NOUN
ajis02-2579	189	11	allows	allow	VERB
ajis02-2579	189	12	us	we	PRON
ajis02-2579	189	13	to	to	PART
ajis02-2579	189	14	study	study	VERB
ajis02-2579	189	15	real	real	ADJ
ajis02-2579	189	16	-	-	PUNCT
ajis02-2579	189	17	life	life	NOUN
ajis02-2579	189	18	cases	case	NOUN
ajis02-2579	189	19	in	in	ADP
ajis02-2579	189	20	conjunction	conjunction	NOUN
ajis02-2579	189	21	with	with	ADP
ajis02-2579	189	22	existing	exist	VERB
ajis02-2579	189	23	theories	theory	NOUN
ajis02-2579	189	24	like	like	ADP
ajis02-2579	189	25	tam	tam	PROPN
ajis02-2579	189	26	.	.	PUNCT
ajis02-2579	190	1	our	our	PRON
ajis02-2579	190	2	approach	approach	NOUN
ajis02-2579	190	3	enables	enable	VERB
ajis02-2579	190	4	us	we	PRON
ajis02-2579	190	5	to	to	PART
ajis02-2579	190	6	identify	identify	VERB
ajis02-2579	190	7	potential	potential	ADJ
ajis02-2579	190	8	new	new	ADJ
ajis02-2579	190	9	interventions	intervention	NOUN
ajis02-2579	190	10	to	to	ADP
ajis02-2579	190	11	current	current	ADJ
ajis02-2579	190	12	problems	problem	NOUN
ajis02-2579	190	13	that	that	PRON
ajis02-2579	190	14	can	can	AUX
ajis02-2579	190	15	subsequently	subsequently	ADV
ajis02-2579	190	16	be	be	AUX
ajis02-2579	190	17	tested	test	VERB
ajis02-2579	190	18	in	in	ADP
ajis02-2579	190	19	prospective	prospective	ADJ
ajis02-2579	190	20	studies	study	NOUN
ajis02-2579	190	21	.	.	PUNCT
ajis02-2579	191	1	a	a	DET
ajis02-2579	191	2	particular	particular	ADJ
ajis02-2579	191	3	case	case	NOUN
ajis02-2579	191	4	in	in	ADP
ajis02-2579	191	5	point	point	NOUN
ajis02-2579	191	6	is	be	AUX
ajis02-2579	191	7	the	the	DET
ajis02-2579	191	8	ownership	ownership	NOUN
ajis02-2579	191	9	of	of	ADP
ajis02-2579	191	10	mobile	mobile	ADJ
ajis02-2579	191	11	money	money	NOUN
ajis02-2579	191	12	in	in	ADP
ajis02-2579	191	13	africa	africa	PROPN
ajis02-2579	191	14	,	,	PUNCT
ajis02-2579	191	15	a	a	DET
ajis02-2579	191	16	phenomenon	phenomenon	NOUN
ajis02-2579	191	17	that	that	PRON
ajis02-2579	191	18	defies	defy	VERB
ajis02-2579	191	19	logic	logic	NOUN
ajis02-2579	191	20	in	in	ADP
ajis02-2579	191	21	light	light	NOUN
ajis02-2579	191	22	of	of	ADP
ajis02-2579	191	23	the	the	DET
ajis02-2579	191	24	region	region	NOUN
ajis02-2579	191	25	’s	’s	PART
ajis02-2579	191	26	widespread	widespread	ADJ
ajis02-2579	191	27	poverty	poverty	NOUN
ajis02-2579	191	28	(	(	PUNCT
ajis02-2579	191	29	aker	aker	NOUN
ajis02-2579	191	30	and	and	CCONJ
ajis02-2579	191	31	mbiti	mbiti	NOUN
ajis02-2579	191	32	,	,	PUNCT
ajis02-2579	191	33	2010	2010	NUM
ajis02-2579	191	34	)	)	PUNCT
ajis02-2579	191	35	.	.	PUNCT
ajis02-2579	192	1	4.4	4.4	NUM
ajis02-2579	192	2	advantages	advantage	NOUN
ajis02-2579	192	3	of	of	ADP
ajis02-2579	192	4	sem	sem	NOUN
ajis02-2579	192	5	over	over	ADP
ajis02-2579	192	6	regression	regression	NOUN
ajis02-2579	192	7	analysis	analysis	NOUN
ajis02-2579	192	8	the	the	DET
ajis02-2579	192	9	two	two	NUM
ajis02-2579	192	10	most	most	ADV
ajis02-2579	192	11	widely	widely	ADV
ajis02-2579	192	12	used	use	VERB
ajis02-2579	192	13	statistical	statistical	ADJ
ajis02-2579	192	14	methods	method	NOUN
ajis02-2579	192	15	to	to	PART
ajis02-2579	192	16	test	test	VERB
ajis02-2579	192	17	mediated	mediate	VERB
ajis02-2579	192	18	effects	effect	NOUN
ajis02-2579	192	19	in	in	ADP
ajis02-2579	192	20	secondary	secondary	ADJ
ajis02-2579	192	21	data	datum	NOUN
ajis02-2579	192	22	are	be	AUX
ajis02-2579	192	23	multiple	multiple	ADJ
ajis02-2579	192	24	regression	regression	NOUN
ajis02-2579	192	25	analysis	analysis	NOUN
ajis02-2579	192	26	and	and	CCONJ
ajis02-2579	192	27	structural	structural	ADJ
ajis02-2579	192	28	equation	equation	NOUN
ajis02-2579	192	29	modelling	modelling	NOUN
ajis02-2579	192	30	(	(	PUNCT
ajis02-2579	192	31	sem	sem	NOUN
ajis02-2579	192	32	)	)	PUNCT
ajis02-2579	192	33	analysis	analysis	NOUN
ajis02-2579	192	34	.	.	PUNCT
ajis02-2579	193	1	multiple	multiple	ADJ
ajis02-2579	193	2	regression	regression	NOUN
ajis02-2579	193	3	analysis	analysis	NOUN
ajis02-2579	193	4	uses	use	VERB
ajis02-2579	193	5	methods	method	NOUN
ajis02-2579	193	6	such	such	ADJ
ajis02-2579	193	7	as	as	ADP
ajis02-2579	193	8	stepwise	stepwise	ADJ
ajis02-2579	193	9	regression	regression	NOUN
ajis02-2579	193	10	and	and	CCONJ
ajis02-2579	193	11	progressive	progressive	ADJ
ajis02-2579	193	12	adjustment	adjustment	NOUN
ajis02-2579	193	13	to	to	PART
ajis02-2579	193	14	detect	detect	VERB
ajis02-2579	193	15	mediation	mediation	NOUN
ajis02-2579	193	16	effects	effect	NOUN
ajis02-2579	193	17	.	.	PUNCT
ajis02-2579	194	1	baron	baron	NOUN
ajis02-2579	194	2	and	and	CCONJ
ajis02-2579	194	3	kenny	kenny	PROPN
ajis02-2579	194	4	(	(	PUNCT
ajis02-2579	194	5	1986	1986	NUM
ajis02-2579	194	6	)	)	PUNCT
ajis02-2579	194	7	argue	argue	VERB
ajis02-2579	194	8	that	that	SCONJ
ajis02-2579	194	9	the	the	DET
ajis02-2579	194	10	inclusion	inclusion	NOUN
ajis02-2579	194	11	of	of	ADP
ajis02-2579	194	12	variables	variable	NOUN
ajis02-2579	194	13	in	in	ADP
ajis02-2579	194	14	multiple	multiple	ADJ
ajis02-2579	194	15	regression	regression	NOUN
ajis02-2579	194	16	analysis	analysis	NOUN
ajis02-2579	194	17	rests	rest	VERB
ajis02-2579	194	18	on	on	ADP
ajis02-2579	194	19	the	the	DET
ajis02-2579	194	20	assumptions	assumption	NOUN
ajis02-2579	194	21	that	that	SCONJ
ajis02-2579	194	22	variables	variable	NOUN
ajis02-2579	194	23	should	should	AUX
ajis02-2579	194	24	be	be	AUX
ajis02-2579	194	25	normally	normally	ADV
ajis02-2579	194	26	distributed	distribute	VERB
ajis02-2579	194	27	,	,	PUNCT
ajis02-2579	194	28	given	give	VERB
ajis02-2579	194	29	the	the	DET
ajis02-2579	194	30	explanatory	explanatory	ADJ
ajis02-2579	194	31	variables	variable	NOUN
ajis02-2579	194	32	,	,	PUNCT
ajis02-2579	194	33	and	and	CCONJ
ajis02-2579	194	34	that	that	SCONJ
ajis02-2579	194	35	measurement	measurement	NOUN
ajis02-2579	194	36	errors	error	NOUN
ajis02-2579	194	37	and	and	CCONJ
ajis02-2579	194	38	multicollinearity	multicollinearity	NOUN
ajis02-2579	194	39	are	be	AUX
ajis02-2579	194	40	absent	absent	ADJ
ajis02-2579	194	41	when	when	SCONJ
ajis02-2579	194	42	dealing	deal	VERB
ajis02-2579	194	43	with	with	ADP
ajis02-2579	194	44	two	two	NUM
ajis02-2579	194	45	or	or	CCONJ
ajis02-2579	194	46	more	more	ADJ
ajis02-2579	194	47	explanatory	explanatory	ADJ
ajis02-2579	194	48	variables	variable	NOUN
ajis02-2579	194	49	.	.	PUNCT
ajis02-2579	195	1	furthermore	furthermore	ADV
ajis02-2579	195	2	,	,	PUNCT
ajis02-2579	195	3	all	all	DET
ajis02-2579	195	4	variables	variable	NOUN
ajis02-2579	195	5	included	include	VERB
ajis02-2579	195	6	in	in	ADP
ajis02-2579	195	7	a	a	DET
ajis02-2579	195	8	multiple	multiple	ADJ
ajis02-2579	195	9	regression	regression	NOUN
ajis02-2579	195	10	analysis	analysis	NOUN
ajis02-2579	195	11	must	must	AUX
ajis02-2579	195	12	be	be	AUX
ajis02-2579	195	13	observed	observe	VERB
ajis02-2579	195	14	measures	measure	NOUN
ajis02-2579	195	15	.	.	PUNCT
ajis02-2579	196	1	these	these	DET
ajis02-2579	196	2	assumptions	assumption	NOUN
ajis02-2579	196	3	can	can	AUX
ajis02-2579	196	4	not	not	PART
ajis02-2579	196	5	be	be	AUX
ajis02-2579	196	6	supported	support	VERB
ajis02-2579	196	7	by	by	ADP
ajis02-2579	196	8	the	the	DET
ajis02-2579	196	9	type	type	NOUN
ajis02-2579	196	10	of	of	ADP
ajis02-2579	196	11	data	datum	NOUN
ajis02-2579	196	12	used	use	VERB
ajis02-2579	196	13	for	for	ADP
ajis02-2579	196	14	this	this	DET
ajis02-2579	196	15	study	study	NOUN
ajis02-2579	196	16	.	.	PUNCT
ajis02-2579	197	1	because	because	SCONJ
ajis02-2579	197	2	not	not	PART
ajis02-2579	197	3	all	all	PRON
ajis02-2579	197	4	of	of	ADP
ajis02-2579	197	5	the	the	DET
ajis02-2579	197	6	data	datum	NOUN
ajis02-2579	197	7	are	be	AUX
ajis02-2579	197	8	directly	directly	ADV
ajis02-2579	197	9	observed	observe	VERB
ajis02-2579	197	10	in	in	ADP
ajis02-2579	197	11	a	a	DET
ajis02-2579	197	12	survey	survey	NOUN
ajis02-2579	197	13	,	,	PUNCT
ajis02-2579	197	14	we	we	PRON
ajis02-2579	197	15	can	can	AUX
ajis02-2579	197	16	not	not	PART
ajis02-2579	197	17	guarantee	guarantee	VERB
ajis02-2579	197	18	that	that	SCONJ
ajis02-2579	197	19	the	the	DET
ajis02-2579	197	20	data	data	NOUN
ajis02-2579	197	21	is	be	AUX
ajis02-2579	197	22	free	free	ADJ
ajis02-2579	197	23	from	from	ADP
ajis02-2579	197	24	measurement	measurement	NOUN
ajis02-2579	197	25	errors	error	NOUN
ajis02-2579	197	26	or	or	CCONJ
ajis02-2579	197	27	that	that	SCONJ
ajis02-2579	197	28	the	the	DET
ajis02-2579	197	29	explanatory	explanatory	ADJ
ajis02-2579	197	30	indicators	indicator	NOUN
ajis02-2579	197	31	are	be	AUX
ajis02-2579	197	32	free	free	ADJ
ajis02-2579	197	33	of	of	ADP
ajis02-2579	197	34	multicollinearity	multicollinearity	NOUN
ajis02-2579	197	35	.	.	PUNCT
ajis02-2579	198	1	for	for	ADP
ajis02-2579	198	2	the	the	DET
ajis02-2579	198	3	above	above	ADJ
ajis02-2579	198	4	reasons	reason	NOUN
ajis02-2579	198	5	,	,	PUNCT
ajis02-2579	198	6	we	we	PRON
ajis02-2579	198	7	use	use	VERB
ajis02-2579	198	8	sem	sem	NOUN
ajis02-2579	198	9	for	for	ADP
ajis02-2579	198	10	the	the	DET
ajis02-2579	198	11	empirical	empirical	ADJ
ajis02-2579	198	12	estimation	estimation	NOUN
ajis02-2579	198	13	.	.	PUNCT
ajis02-2579	199	1	sem	sem	ADJ
ajis02-2579	199	2	analysis	analysis	NOUN
ajis02-2579	199	3	is	be	AUX
ajis02-2579	199	4	arguably	arguably	ADV
ajis02-2579	199	5	the	the	DET
ajis02-2579	199	6	most	most	ADV
ajis02-2579	199	7	effective	effective	ADJ
ajis02-2579	199	8	way	way	NOUN
ajis02-2579	199	9	to	to	PART
ajis02-2579	199	10	test	test	VERB
ajis02-2579	199	11	mediated	mediate	VERB
ajis02-2579	199	12	effects	effect	NOUN
ajis02-2579	199	13	when	when	SCONJ
ajis02-2579	199	14	data	datum	NOUN
ajis02-2579	199	15	requirements	requirement	NOUN
ajis02-2579	199	16	are	be	AUX
ajis02-2579	199	17	met	meet	VERB
ajis02-2579	199	18	.	.	PUNCT
ajis02-2579	200	1	as	as	SCONJ
ajis02-2579	200	2	multiple	multiple	ADJ
ajis02-2579	200	3	indicators	indicator	NOUN
ajis02-2579	200	4	are	be	AUX
ajis02-2579	200	5	used	use	VERB
ajis02-2579	200	6	,	,	PUNCT
ajis02-2579	200	7	sem	sem	PROPN
ajis02-2579	200	8	is	be	AUX
ajis02-2579	200	9	ideal	ideal	ADJ
ajis02-2579	200	10	in	in	ADP
ajis02-2579	200	11	constructing	construct	VERB
ajis02-2579	200	12	measurement	measurement	NOUN
ajis02-2579	200	13	models	model	NOUN
ajis02-2579	200	14	for	for	ADP
ajis02-2579	200	15	the	the	DET
ajis02-2579	200	16	theoretical	theoretical	ADJ
ajis02-2579	200	17	concepts	concept	NOUN
ajis02-2579	200	18	hypothesised	hypothesise	VERB
ajis02-2579	200	19	(	(	PUNCT
ajis02-2579	200	20	li	li	PROPN
ajis02-2579	200	21	,	,	PUNCT
ajis02-2579	200	22	2011	2011	NUM
ajis02-2579	200	23	)	)	PUNCT
ajis02-2579	200	24	and	and	CCONJ
ajis02-2579	200	25	allows	allow	VERB
ajis02-2579	200	26	for	for	ADP
ajis02-2579	200	27	multiple	multiple	ADJ
ajis02-2579	200	28	indicators	indicator	NOUN
ajis02-2579	200	29	of	of	ADP
ajis02-2579	200	30	latent	latent	NOUN
ajis02-2579	200	31	variables	variable	NOUN
ajis02-2579	200	32	which	which	PRON
ajis02-2579	200	33	are	be	AUX
ajis02-2579	200	34	a	a	DET
ajis02-2579	200	35	more	more	ADV
ajis02-2579	200	36	realistic	realistic	ADJ
ajis02-2579	200	37	representation	representation	NOUN
ajis02-2579	200	38	of	of	ADP
ajis02-2579	200	39	the	the	DET
ajis02-2579	200	40	variables	variable	NOUN
ajis02-2579	200	41	under	under	ADP
ajis02-2579	200	42	study	study	NOUN
ajis02-2579	200	43	(	(	PUNCT
ajis02-2579	200	44	schierz	schierz	NOUN
ajis02-2579	200	45	et	et	PROPN
ajis02-2579	200	46	al	al	PROPN
ajis02-2579	200	47	.	.	PROPN
ajis02-2579	200	48	,	,	PUNCT
ajis02-2579	200	49	2010	2010	NUM
ajis02-2579	200	50	)	)	PUNCT
ajis02-2579	200	51	.	.	PUNCT
ajis02-2579	201	1	when	when	SCONJ
ajis02-2579	201	2	measurement	measurement	NOUN
ajis02-2579	201	3	error	error	NOUN
ajis02-2579	201	4	is	be	AUX
ajis02-2579	201	5	a	a	DET
ajis02-2579	201	6	concern	concern	NOUN
ajis02-2579	201	7	,	,	PUNCT
ajis02-2579	201	8	as	as	SCONJ
ajis02-2579	201	9	is	be	AUX
ajis02-2579	201	10	the	the	DET
ajis02-2579	201	11	case	case	NOUN
ajis02-2579	201	12	with	with	ADP
ajis02-2579	201	13	our	our	PRON
ajis02-2579	201	14	data	datum	NOUN
ajis02-2579	201	15	,	,	PUNCT
ajis02-2579	201	16	sem	sem	PROPN
ajis02-2579	201	17	uses	use	VERB
ajis02-2579	201	18	multiple	multiple	ADJ
ajis02-2579	201	19	indicators	indicator	NOUN
ajis02-2579	201	20	to	to	PART
ajis02-2579	201	21	overcome	overcome	VERB
ajis02-2579	201	22	it	it	PRON
ajis02-2579	201	23	.	.	PUNCT
ajis02-2579	202	1	in	in	ADP
ajis02-2579	202	2	contrast	contrast	NOUN
ajis02-2579	202	3	to	to	ADP
ajis02-2579	202	4	ols	ol	NOUN
ajis02-2579	202	5	regression	regression	NOUN
ajis02-2579	202	6	,	,	PUNCT
ajis02-2579	202	7	which	which	PRON
ajis02-2579	202	8	is	be	AUX
ajis02-2579	202	9	based	base	VERB
ajis02-2579	202	10	on	on	ADP
ajis02-2579	202	11	the	the	DET
ajis02-2579	202	12	assumption	assumption	NOUN
ajis02-2579	202	13	that	that	SCONJ
ajis02-2579	202	14	variables	variable	NOUN
ajis02-2579	202	15	are	be	AUX
ajis02-2579	202	16	measured	measure	VERB
ajis02-2579	202	17	perfectly	perfectly	ADV
ajis02-2579	202	18	(	(	PUNCT
ajis02-2579	202	19	bollen	bollen	PROPN
ajis02-2579	202	20	1987	1987	NUM
ajis02-2579	202	21	)	)	PUNCT
ajis02-2579	202	22	,	,	PUNCT
ajis02-2579	202	23	sem	sem	PROPN
ajis02-2579	202	24	operates	operate	VERB
ajis02-2579	202	25	on	on	ADP
ajis02-2579	202	26	a	a	DET
ajis02-2579	202	27	rationale	rationale	NOUN
ajis02-2579	202	28	that	that	SCONJ
ajis02-2579	202	29	each	each	DET
ajis02-2579	202	30	explanatory	explanatory	ADJ
ajis02-2579	202	31	and	and	CCONJ
ajis02-2579	202	32	dependent	dependent	ADJ
ajis02-2579	202	33	variable	variable	NOUN
ajis02-2579	202	34	may	may	AUX
ajis02-2579	202	35	be	be	AUX
ajis02-2579	202	36	associated	associate	VERB
ajis02-2579	202	37	with	with	ADP
ajis02-2579	202	38	measurement	measurement	NOUN
ajis02-2579	202	39	errors	error	NOUN
ajis02-2579	202	40	.	.	PUNCT
ajis02-2579	203	1	4.5	4.5	NUM
ajis02-2579	203	2	assumptions	assumption	NOUN
ajis02-2579	203	3	for	for	ADP
ajis02-2579	203	4	using	use	VERB
ajis02-2579	203	5	sem	sem	NOUN
ajis02-2579	203	6	in	in	ADP
ajis02-2579	203	7	tam	tam	NOUN
ajis02-2579	203	8	analysis	analysis	NOUN
ajis02-2579	203	9	following	follow	VERB
ajis02-2579	203	10	bailey	bailey	NOUN
ajis02-2579	203	11	and	and	CCONJ
ajis02-2579	203	12	pearson	pearson	PROPN
ajis02-2579	203	13	(	(	PUNCT
ajis02-2579	203	14	1983	1983	NUM
ajis02-2579	203	15	)	)	PUNCT
ajis02-2579	203	16	,	,	PUNCT
ajis02-2579	203	17	we	we	PRON
ajis02-2579	203	18	postulate	postulate	VERB
ajis02-2579	203	19	that	that	SCONJ
ajis02-2579	203	20	the	the	DET
ajis02-2579	203	21	adoption	adoption	NOUN
ajis02-2579	203	22	of	of	ADP
ajis02-2579	203	23	mobile	mobile	ADJ
ajis02-2579	203	24	money	money	NOUN
ajis02-2579	203	25	is	be	AUX
ajis02-2579	203	26	a	a	DET
ajis02-2579	203	27	desire	desire	NOUN
ajis02-2579	203	28	to	to	PART
ajis02-2579	203	29	be	be	AUX
ajis02-2579	203	30	satisfied	satisfied	ADJ
ajis02-2579	203	31	.	.	PUNCT
ajis02-2579	204	1	legris	legris	PROPN
ajis02-2579	204	2	et	et	PROPN
ajis02-2579	204	3	al	al	PROPN
ajis02-2579	204	4	.	.	PROPN
ajis02-2579	205	1	(	(	PUNCT
ajis02-2579	205	2	2003	2003	NUM
ajis02-2579	205	3	)	)	PUNCT
ajis02-2579	205	4	argue	argue	VERB
ajis02-2579	205	5	that	that	SCONJ
ajis02-2579	205	6	satisfaction	satisfaction	NOUN
ajis02-2579	205	7	is	be	AUX
ajis02-2579	205	8	considered	consider	VERB
ajis02-2579	205	9	as	as	ADP
ajis02-2579	205	10	the	the	DET
ajis02-2579	205	11	sum	sum	NOUN
ajis02-2579	205	12	of	of	ADP
ajis02-2579	205	13	one	one	NUM
ajis02-2579	205	14	’s	’s	PART
ajis02-2579	205	15	feelings	feeling	NOUN
ajis02-2579	205	16	or	or	CCONJ
ajis02-2579	205	17	attitudes	attitude	NOUN
ajis02-2579	205	18	toward	toward	ADP
ajis02-2579	205	19	a	a	DET
ajis02-2579	205	20	variety	variety	NOUN
ajis02-2579	205	21	of	of	ADP
ajis02-2579	205	22	factors	factor	NOUN
ajis02-2579	205	23	affecting	affect	VERB
ajis02-2579	205	24	the	the	DET
ajis02-2579	205	25	situation	situation	NOUN
ajis02-2579	205	26	.	.	PUNCT
ajis02-2579	206	1	they	they	PRON
ajis02-2579	206	2	defined	define	VERB
ajis02-2579	206	3	it	it	PRON
ajis02-2579	206	4	as	as	ADP
ajis02-2579	206	5	the	the	DET
ajis02-2579	206	6	sum	sum	NOUN
ajis02-2579	206	7	of	of	ADP
ajis02-2579	206	8	m	m	PROPN
ajis02-2579	206	9	user	user	NOUN
ajis02-2579	206	10	’s	’s	PART
ajis02-2579	206	11	weighted	weight	VERB
ajis02-2579	206	12	reactions	reaction	NOUN
ajis02-2579	206	13	to	to	ADP
ajis02-2579	206	14	a	a	DET
ajis02-2579	206	15	set	set	NOUN
ajis02-2579	206	16	of	of	ADP
ajis02-2579	206	17	n	n	PRON
ajis02-2579	206	18	factors	factor	NOUN
ajis02-2579	206	19	.	.	PUNCT
ajis02-2579	207	1	satisfaction	satisfaction	NOUN
ajis02-2579	207	2	=	=	PUNCT
ajis02-2579	207	3	∑	∑	PUNCT
ajis02-2579	207	4	𝑊𝑖𝑗	𝑊𝑖𝑗	PROPN
ajis02-2579	207	5	𝑅𝑖𝑗	𝑅𝑖𝑗	PROPN
ajis02-2579	207	6	(	(	PUNCT
ajis02-2579	207	7	𝑗	𝑗	NOUN
ajis02-2579	207	8	=	=	SYM
ajis02-2579	207	9	1	1	NUM
ajis02-2579	207	10	,	,	PUNCT
ajis02-2579	207	11	…	…	PUNCT
ajis02-2579	207	12	.	.	PUNCT
ajis02-2579	207	13	.	.	PUNCT
ajis02-2579	208	1	,	,	PUNCT
ajis02-2579	208	2	𝑛	𝑛	PROPN
ajis02-2579	208	3	,	,	PUNCT
ajis02-2579	208	4	𝑖	𝑖	SYM
ajis02-2579	208	5	=	=	SYM
ajis02-2579	208	6	1	1	NUM
ajis02-2579	208	7	,	,	PUNCT
ajis02-2579	208	8	…	…	PUNCT
ajis02-2579	208	9	.	.	PUNCT
ajis02-2579	208	10	.	.	PUNCT
ajis02-2579	209	1	,	,	PUNCT
ajis02-2579	209	2	𝑚	𝑚	X
ajis02-2579	209	3	)	)	PUNCT
ajis02-2579	209	4	(	(	PUNCT
ajis02-2579	209	5	1	1	X
ajis02-2579	209	6	)	)	PUNCT
ajis02-2579	209	7	where	where	SCONJ
ajis02-2579	209	8	rij	rij	PROPN
ajis02-2579	209	9	is	be	AUX
ajis02-2579	209	10	the	the	DET
ajis02-2579	209	11	reaction	reaction	NOUN
ajis02-2579	209	12	to	to	PART
ajis02-2579	209	13	factor	factor	VERB
ajis02-2579	209	14	j	j	PROPN
ajis02-2579	209	15	by	by	ADP
ajis02-2579	209	16	individual	individual	PROPN
ajis02-2579	209	17	i	i	PROPN
ajis02-2579	209	18	and	and	CCONJ
ajis02-2579	209	19	wij	wij	PROPN
ajis02-2579	209	20	is	be	AUX
ajis02-2579	209	21	the	the	DET
ajis02-2579	209	22	importance	importance	NOUN
ajis02-2579	209	23	of	of	ADP
ajis02-2579	209	24	factor	factor	NOUN
ajis02-2579	209	25	j	j	PROPN
ajis02-2579	209	26	to	to	ADP
ajis02-2579	209	27	individual	individual	ADJ
ajis02-2579	209	28	i.	i.	NOUN
ajis02-2579	209	29	attitudes	attitude	NOUN
ajis02-2579	209	30	toward	toward	ADP
ajis02-2579	209	31	adoption	adoption	NOUN
ajis02-2579	209	32	and	and	CCONJ
ajis02-2579	209	33	intentions	intention	NOUN
ajis02-2579	209	34	to	to	PART
ajis02-2579	209	35	use	use	VERB
ajis02-2579	209	36	mobile	mobile	ADJ
ajis02-2579	209	37	money	money	NOUN
ajis02-2579	209	38	on	on	ADP
ajis02-2579	209	39	an	an	DET
ajis02-2579	209	40	ongoing	ongoing	ADJ
ajis02-2579	209	41	basis	basis	NOUN
ajis02-2579	209	42	are	be	AUX
ajis02-2579	209	43	directly	directly	ADV
ajis02-2579	209	44	related	relate	VERB
ajis02-2579	209	45	to	to	ADP
ajis02-2579	209	46	the	the	DET
ajis02-2579	209	47	reactions	reaction	NOUN
ajis02-2579	209	48	of	of	ADP
ajis02-2579	209	49	individuals	individual	NOUN
ajis02-2579	209	50	i	i	PRON
ajis02-2579	209	51	,	,	PUNCT
ajis02-2579	209	52	who	who	PRON
ajis02-2579	209	53	see	see	VERB
ajis02-2579	209	54	the	the	DET
ajis02-2579	209	55	usefulness	usefulness	NOUN
ajis02-2579	209	56	of	of	ADP
ajis02-2579	209	57	mobile	mobile	ADJ
ajis02-2579	209	58	money	money	NOUN
ajis02-2579	209	59	in	in	ADP
ajis02-2579	209	60	their	their	PRON
ajis02-2579	209	61	everyday	everyday	ADJ
ajis02-2579	209	62	life	life	NOUN
ajis02-2579	209	63	.	.	PUNCT
ajis02-2579	210	1	to	to	PART
ajis02-2579	210	2	understand	understand	VERB
ajis02-2579	210	3	these	these	DET
ajis02-2579	210	4	reactions	reaction	NOUN
ajis02-2579	210	5	and	and	CCONJ
ajis02-2579	210	6	to	to	PART
ajis02-2579	210	7	measure	measure	VERB
ajis02-2579	210	8	their	their	PRON
ajis02-2579	210	9	importance	importance	NOUN
ajis02-2579	210	10	as	as	ADP
ajis02-2579	210	11	factors	factor	NOUN
ajis02-2579	210	12	that	that	PRON
ajis02-2579	210	13	satisfy	satisfy	VERB
ajis02-2579	210	14	the	the	DET
ajis02-2579	210	15	desire	desire	NOUN
ajis02-2579	210	16	of	of	ADP
ajis02-2579	210	17	individuals	individual	NOUN
ajis02-2579	210	18	’	’	PART
ajis02-2579	210	19	attitudes	attitude	NOUN
ajis02-2579	210	20	and	and	CCONJ
ajis02-2579	210	21	continuance	continuance	NOUN
ajis02-2579	210	22	intentions	intention	NOUN
ajis02-2579	210	23	to	to	PART
ajis02-2579	210	24	adopt	adopt	VERB
ajis02-2579	210	25	and	and	CCONJ
ajis02-2579	210	26	use	use	VERB
ajis02-2579	210	27	mobile	mobile	ADJ
ajis02-2579	210	28	money	money	NOUN
ajis02-2579	210	29	,	,	PUNCT
ajis02-2579	210	30	certain	certain	ADJ
ajis02-2579	210	31	variables	variable	NOUN
ajis02-2579	210	32	must	must	AUX
ajis02-2579	210	33	trigger	trigger	VERB
ajis02-2579	210	34	them	they	PRON
ajis02-2579	210	35	.	.	PUNCT
ajis02-2579	211	1	these	these	DET
ajis02-2579	211	2	variables	variable	NOUN
ajis02-2579	211	3	are	be	AUX
ajis02-2579	211	4	the	the	DET
ajis02-2579	211	5	exogenous	exogenous	ADJ
ajis02-2579	211	6	variables	variable	NOUN
ajis02-2579	211	7	that	that	PRON
ajis02-2579	211	8	play	play	VERB
ajis02-2579	211	9	crucial	crucial	ADJ
ajis02-2579	211	10	roles	role	NOUN
ajis02-2579	211	11	for	for	ADP
ajis02-2579	211	12	people	people	NOUN
ajis02-2579	211	13	in	in	ADP
ajis02-2579	211	14	their	their	PRON
ajis02-2579	211	15	decisions	decision	NOUN
ajis02-2579	211	16	about	about	ADP
ajis02-2579	211	17	whether	whether	SCONJ
ajis02-2579	211	18	to	to	PART
ajis02-2579	211	19	adopt	adopt	VERB
ajis02-2579	211	20	mobile	mobile	ADJ
ajis02-2579	211	21	australasian	australasian	ADJ
ajis02-2579	211	22	journal	journal	NOUN
ajis02-2579	211	23	of	of	ADP
ajis02-2579	211	24	information	information	NOUN
ajis02-2579	211	25	systems	system	NOUN
ajis02-2579	211	26	alhassan	alhassan	PROPN
ajis02-2579	211	27	,	,	PUNCT
ajis02-2579	211	28	li	li	PROPN
ajis02-2579	211	29	,	,	PUNCT
ajis02-2579	211	30	reddy	reddy	PROPN
ajis02-2579	211	31	&	&	CCONJ
ajis02-2579	211	32	duppati	duppati	PROPN
ajis02-2579	211	33	2020	2020	NUM
ajis02-2579	211	34	,	,	PUNCT
ajis02-2579	211	35	vol	vol	NOUN
ajis02-2579	211	36	24	24	NUM
ajis02-2579	211	37	,	,	PUNCT
ajis02-2579	211	38	research	research	NOUN
ajis02-2579	211	39	article	article	NOUN
ajis02-2579	211	40	consumer	consumer	NOUN
ajis02-2579	211	41	acceptance	acceptance	NOUN
ajis02-2579	211	42	and	and	CCONJ
ajis02-2579	211	43	continuance	continuance	NOUN
ajis02-2579	211	44	of	of	ADP
ajis02-2579	211	45	mobile	mobile	ADJ
ajis02-2579	211	46	money	money	NOUN
ajis02-2579	211	47	13	13	NUM
ajis02-2579	211	48	money	money	NOUN
ajis02-2579	211	49	.	.	PUNCT
ajis02-2579	212	1	this	this	PRON
ajis02-2579	212	2	can	can	AUX
ajis02-2579	212	3	be	be	AUX
ajis02-2579	212	4	illustrated	illustrate	VERB
ajis02-2579	212	5	as	as	ADP
ajis02-2579	212	6	paths	path	NOUN
ajis02-2579	212	7	of	of	ADP
ajis02-2579	212	8	structural	structural	ADJ
ajis02-2579	212	9	coefficients	coefficient	NOUN
ajis02-2579	212	10	(	(	PUNCT
ajis02-2579	212	11	dawn	dawn	NOUN
ajis02-2579	212	12	,	,	PUNCT
ajis02-2579	212	13	2009	2009	NUM
ajis02-2579	212	14	)	)	PUNCT
ajis02-2579	212	15	in	in	ADP
ajis02-2579	212	16	sem	sem	PROPN
ajis02-2579	212	17	as	as	ADP
ajis02-2579	212	18	in	in	ADP
ajis02-2579	212	19	equation	equation	NOUN
ajis02-2579	212	20	(	(	PUNCT
ajis02-2579	212	21	2	2	NUM
ajis02-2579	212	22	)	)	PUNCT
ajis02-2579	212	23	below	below	ADV
ajis02-2579	212	24	:	:	PUNCT
ajis02-2579	212	25	𝑦𝑖𝑗	𝑦𝑖𝑗	NOUN
ajis02-2579	212	26	=	=	PUNCT
ajis02-2579	212	27	φ𝑦𝑖𝑗	φ𝑦𝑖𝑗	PROPN
ajis02-2579	213	1	+	+	CCONJ
ajis02-2579	213	2	π𝑋𝑖𝑗	π𝑋𝑖𝑗	PROPN
ajis02-2579	214	1	+	+	CCONJ
ajis02-2579	214	2	ϐ	ϐ	PROPN
ajis02-2579	214	3	(	(	PUNCT
ajis02-2579	214	4	2	2	NUM
ajis02-2579	214	5	)	)	PUNCT
ajis02-2579	214	6	where	where	SCONJ
ajis02-2579	214	7	yij	yij	NOUN
ajis02-2579	214	8	is	be	AUX
ajis02-2579	214	9	a	a	DET
ajis02-2579	214	10	vector	vector	NOUN
ajis02-2579	214	11	of	of	ADP
ajis02-2579	214	12	endogenous	endogenous	ADJ
ajis02-2579	214	13	dependent	dependent	ADJ
ajis02-2579	214	14	variables	variable	NOUN
ajis02-2579	214	15	,	,	PUNCT
ajis02-2579	214	16	φ	φ	PROPN
ajis02-2579	214	17	is	be	AUX
ajis02-2579	214	18	a	a	DET
ajis02-2579	214	19	matrix	matrix	NOUN
ajis02-2579	214	20	of	of	ADP
ajis02-2579	214	21	coefficients	coefficient	NOUN
ajis02-2579	214	22	of	of	ADP
ajis02-2579	214	23	the	the	DET
ajis02-2579	214	24	yij	yij	NOUN
ajis02-2579	214	25	’s	’s	X
ajis02-2579	214	26	on	on	ADP
ajis02-2579	214	27	other	other	ADJ
ajis02-2579	214	28	y_ij	y_ij	NOUN
ajis02-2579	214	29	’s	’s	PART
ajis02-2579	214	30	(	(	PUNCT
ajis02-2579	214	31	part	part	NOUN
ajis02-2579	214	32	of	of	ADP
ajis02-2579	214	33	the	the	DET
ajis02-2579	214	34	structural	structural	ADJ
ajis02-2579	214	35	relationships	relationship	NOUN
ajis02-2579	214	36	)	)	PUNCT
ajis02-2579	214	37	,	,	PUNCT
ajis02-2579	214	38	π	π	PROPN
ajis02-2579	214	39	is	be	AUX
ajis02-2579	214	40	a	a	DET
ajis02-2579	214	41	matrix	matrix	NOUN
ajis02-2579	214	42	of	of	ADP
ajis02-2579	214	43	coefficients	coefficient	NOUN
ajis02-2579	214	44	of	of	ADP
ajis02-2579	214	45	xij	xij	PRON
ajis02-2579	214	46	’s	’	VERB
ajis02-2579	214	47	on	on	ADP
ajis02-2579	214	48	the	the	DET
ajis02-2579	214	49	yij	yij	NOUN
ajis02-2579	214	50	’s	’s	PART
ajis02-2579	214	51	(	(	PUNCT
ajis02-2579	214	52	also	also	ADV
ajis02-2579	214	53	part	part	NOUN
ajis02-2579	214	54	of	of	ADP
ajis02-2579	214	55	the	the	DET
ajis02-2579	214	56	structural	structural	ADJ
ajis02-2579	214	57	relationship	relationship	NOUN
ajis02-2579	214	58	)	)	PUNCT
ajis02-2579	214	59	.	.	PUNCT
ajis02-2579	215	1	xij	xij	PROPN
ajis02-2579	215	2	is	be	AUX
ajis02-2579	215	3	a	a	DET
ajis02-2579	215	4	vector	vector	NOUN
ajis02-2579	215	5	of	of	ADP
ajis02-2579	215	6	the	the	DET
ajis02-2579	215	7	independent	independent	ADJ
ajis02-2579	215	8	latent	latent	NOUN
ajis02-2579	215	9	variables	variable	NOUN
ajis02-2579	215	10	,	,	PUNCT
ajis02-2579	215	11	exogenous	exogenous	ADJ
ajis02-2579	215	12	constructs	construct	NOUN
ajis02-2579	215	13	(	(	PUNCT
ajis02-2579	215	14	the	the	DET
ajis02-2579	215	15	predictor	predictor	NOUN
ajis02-2579	215	16	variables	variable	VERB
ajis02-2579	215	17	)	)	PUNCT
ajis02-2579	215	18	,	,	PUNCT
ajis02-2579	215	19	and	and	CCONJ
ajis02-2579	215	20	ϐ	ϐ	X
ajis02-2579	215	21	is	be	AUX
ajis02-2579	215	22	the	the	DET
ajis02-2579	215	23	error	error	NOUN
ajis02-2579	215	24	disturbance	disturbance	NOUN
ajis02-2579	215	25	.	.	PUNCT
ajis02-2579	216	1	yij	yij	NOUN
ajis02-2579	216	2	's	's	PART
ajis02-2579	216	3	and	and	CCONJ
ajis02-2579	216	4	xij	xij	PRON
ajis02-2579	216	5	’s	’s	PART
ajis02-2579	216	6	depict	depict	VERB
ajis02-2579	216	7	the	the	DET
ajis02-2579	216	8	one	one	NUM
ajis02-2579	216	9	-	-	PUNCT
ajis02-2579	216	10	on	on	ADP
ajis02-2579	216	11	-	-	PUNCT
ajis02-2579	216	12	one	one	NUM
ajis02-2579	216	13	mapping	mapping	NOUN
ajis02-2579	216	14	between	between	ADP
ajis02-2579	216	15	the	the	DET
ajis02-2579	216	16	variables	variable	NOUN
ajis02-2579	216	17	and	and	CCONJ
ajis02-2579	216	18	constructs	construct	VERB
ajis02-2579	216	19	,	,	PUNCT
ajis02-2579	216	20	and	and	CCONJ
ajis02-2579	216	21	the	the	DET
ajis02-2579	216	22	matrix	matrix	NOUN
ajis02-2579	216	23	of	of	ADP
ajis02-2579	216	24	measurement	measurement	NOUN
ajis02-2579	216	25	error	error	NOUN
ajis02-2579	216	26	ϐ	ϐ	ADP
ajis02-2579	216	27	,	,	PUNCT
ajis02-2579	216	28	(	(	PUNCT
ajis02-2579	216	29	dawn	dawn	NOUN
ajis02-2579	216	30	,	,	PUNCT
ajis02-2579	216	31	2009	2009	NUM
ajis02-2579	216	32	)	)	PUNCT
ajis02-2579	216	33	.	.	PUNCT
ajis02-2579	217	1	this	this	DET
ajis02-2579	217	2	path	path	NOUN
ajis02-2579	217	3	model	model	NOUN
ajis02-2579	217	4	for	for	ADP
ajis02-2579	217	5	user	user	NOUN
ajis02-2579	217	6	intentions	intention	NOUN
ajis02-2579	217	7	to	to	PART
ajis02-2579	217	8	adopt	adopt	VERB
ajis02-2579	217	9	and	and	CCONJ
ajis02-2579	217	10	use	use	VERB
ajis02-2579	217	11	mobile	mobile	ADJ
ajis02-2579	217	12	money	money	NOUN
ajis02-2579	217	13	is	be	AUX
ajis02-2579	217	14	represented	represent	VERB
ajis02-2579	217	15	in	in	ADP
ajis02-2579	217	16	figure	figure	NOUN
ajis02-2579	217	17	1	1	NUM
ajis02-2579	217	18	.	.	PUNCT
ajis02-2579	218	1	for	for	ADP
ajis02-2579	218	2	this	this	DET
ajis02-2579	218	3	study	study	NOUN
ajis02-2579	218	4	,	,	PUNCT
ajis02-2579	218	5	all	all	DET
ajis02-2579	218	6	the	the	DET
ajis02-2579	218	7	constructs	construct	NOUN
ajis02-2579	218	8	were	be	AUX
ajis02-2579	218	9	estimated	estimate	VERB
ajis02-2579	218	10	using	use	VERB
ajis02-2579	218	11	sem	sem	NOUN
ajis02-2579	218	12	with	with	ADP
ajis02-2579	218	13	maximum	maximum	ADJ
ajis02-2579	218	14	likelihood	likelihood	NOUN
ajis02-2579	218	15	.	.	PUNCT
ajis02-2579	219	1	5	5	NUM
ajis02-2579	219	2	empirical	empirical	ADJ
ajis02-2579	219	3	results	result	NOUN
ajis02-2579	219	4	to	to	PART
ajis02-2579	219	5	begin	begin	VERB
ajis02-2579	219	6	with	with	ADP
ajis02-2579	219	7	,	,	PUNCT
ajis02-2579	219	8	we	we	PRON
ajis02-2579	219	9	conducted	conduct	VERB
ajis02-2579	219	10	an	an	DET
ajis02-2579	219	11	analysis	analysis	NOUN
ajis02-2579	219	12	of	of	ADP
ajis02-2579	219	13	a	a	DET
ajis02-2579	219	14	hybrid	hybrid	ADJ
ajis02-2579	219	15	model	model	NOUN
ajis02-2579	219	16	of	of	ADP
ajis02-2579	219	17	the	the	DET
ajis02-2579	219	18	structural	structural	ADJ
ajis02-2579	219	19	model	model	NOUN
ajis02-2579	219	20	,	,	PUNCT
ajis02-2579	219	21	incorporating	incorporate	VERB
ajis02-2579	219	22	the	the	DET
ajis02-2579	219	23	measurement	measurement	NOUN
ajis02-2579	219	24	models	model	NOUN
ajis02-2579	219	25	and	and	CCONJ
ajis02-2579	219	26	all	all	PRON
ajis02-2579	219	27	of	of	ADP
ajis02-2579	219	28	the	the	DET
ajis02-2579	219	29	paths	path	NOUN
ajis02-2579	219	30	specified	specify	VERB
ajis02-2579	219	31	in	in	ADP
ajis02-2579	219	32	figure	figure	NOUN
ajis02-2579	219	33	1	1	NUM
ajis02-2579	219	34	.	.	PUNCT
ajis02-2579	220	1	a	a	DET
ajis02-2579	220	2	set	set	NOUN
ajis02-2579	220	3	of	of	ADP
ajis02-2579	220	4	goodness	goodness	NOUN
ajis02-2579	220	5	-	-	PUNCT
ajis02-2579	220	6	of	of	ADP
ajis02-2579	220	7	-	-	PUNCT
ajis02-2579	220	8	fit	fit	ADJ
ajis02-2579	220	9	indices	index	NOUN
ajis02-2579	220	10	(	(	PUNCT
ajis02-2579	220	11	gfis	gfis	PROPN
ajis02-2579	220	12	)	)	PUNCT
ajis02-2579	220	13	was	be	AUX
ajis02-2579	220	14	generated	generate	VERB
ajis02-2579	220	15	,	,	PUNCT
ajis02-2579	220	16	indicating	indicate	VERB
ajis02-2579	220	17	that	that	SCONJ
ajis02-2579	220	18	the	the	DET
ajis02-2579	220	19	theoretical	theoretical	ADJ
ajis02-2579	220	20	model	model	NOUN
ajis02-2579	220	21	predicted	predict	VERB
ajis02-2579	220	22	well	well	INTJ
ajis02-2579	220	23	the	the	DET
ajis02-2579	220	24	observed	observed	ADJ
ajis02-2579	220	25	and	and	CCONJ
ajis02-2579	220	26	latent	latent	ADJ
ajis02-2579	220	27	input	input	NOUN
ajis02-2579	220	28	matrix	matrix	NOUN
ajis02-2579	220	29	(	(	PUNCT
ajis02-2579	220	30	li	li	PROPN
ajis02-2579	220	31	,	,	PUNCT
ajis02-2579	220	32	2011	2011	NUM
ajis02-2579	220	33	)	)	PUNCT
ajis02-2579	220	34	.	.	PUNCT
ajis02-2579	221	1	the	the	DET
ajis02-2579	221	2	goodness	goodness	NOUN
ajis02-2579	221	3	of	of	ADP
ajis02-2579	221	4	fit	fit	ADJ
ajis02-2579	221	5	measures	measure	NOUN
ajis02-2579	221	6	for	for	ADP
ajis02-2579	221	7	the	the	DET
ajis02-2579	221	8	structural	structural	ADJ
ajis02-2579	221	9	model	model	NOUN
ajis02-2579	221	10	show	show	VERB
ajis02-2579	221	11	satisfactory	satisfactory	ADJ
ajis02-2579	221	12	values	value	NOUN
ajis02-2579	221	13	as	as	SCONJ
ajis02-2579	221	14	follows	follow	VERB
ajis02-2579	221	15	:	:	PUNCT
ajis02-2579	221	16	goodness	goodness	NOUN
ajis02-2579	221	17	of	of	ADP
ajis02-2579	221	18	fit	fit	ADJ
ajis02-2579	221	19	index	index	NOUN
ajis02-2579	221	20	(	(	PUNCT
ajis02-2579	221	21	gfi	gfi	PROPN
ajis02-2579	221	22	)	)	PUNCT
ajis02-2579	222	1	=	=	SYM
ajis02-2579	222	2	0.89	0.89	NUM
ajis02-2579	222	3	,	,	PUNCT
ajis02-2579	222	4	root	root	NOUN
ajis02-2579	222	5	mean	mean	NOUN
ajis02-2579	222	6	square	square	ADJ
ajis02-2579	222	7	error	error	NOUN
ajis02-2579	222	8	of	of	ADP
ajis02-2579	222	9	approximation	approximation	NOUN
ajis02-2579	222	10	(	(	PUNCT
ajis02-2579	222	11	rmsea	rmsea	NOUN
ajis02-2579	222	12	)	)	PUNCT
ajis02-2579	222	13	=	=	SYM
ajis02-2579	222	14	0.060	0.060	NUM
ajis02-2579	222	15	,	,	PUNCT
ajis02-2579	222	16	the	the	DET
ajis02-2579	222	17	bentler	bentler	NOUN
ajis02-2579	222	18	-	-	PUNCT
ajis02-2579	222	19	bonett	bonett	NOUN
ajis02-2579	222	20	normed	normed	ADJ
ajis02-2579	222	21	fit	fit	ADJ
ajis02-2579	222	22	index	index	NOUN
ajis02-2579	222	23	(	(	PUNCT
ajis02-2579	222	24	nfi	nfi	PROPN
ajis02-2579	222	25	)	)	PUNCT
ajis02-2579	222	26	=	=	SYM
ajis02-2579	223	1	0.91	0.91	NUM
ajis02-2579	223	2	,	,	PUNCT
ajis02-2579	223	3	the	the	DET
ajis02-2579	223	4	tucker	tucker	PROPN
ajis02-2579	223	5	-	-	PUNCT
ajis02-2579	223	6	lewis	lewis	PROPN
ajis02-2579	223	7	index	index	NOUN
ajis02-2579	223	8	(	(	PUNCT
ajis02-2579	223	9	tli	tli	NOUN
ajis02-2579	223	10	)	)	PUNCT
ajis02-2579	223	11	=	=	SYM
ajis02-2579	223	12	0.88	0.88	NUM
ajis02-2579	223	13	,	,	PUNCT
ajis02-2579	223	14	the	the	DET
ajis02-2579	223	15	comparative	comparative	ADJ
ajis02-2579	223	16	fit	fit	ADJ
ajis02-2579	223	17	index	index	NOUN
ajis02-2579	223	18	(	(	PUNCT
ajis02-2579	223	19	cfi	cfi	NOUN
ajis02-2579	223	20	)	)	PUNCT
ajis02-2579	223	21	=	=	SYM
ajis02-2579	223	22	0.85	0.85	NUM
ajis02-2579	223	23	,	,	PUNCT
ajis02-2579	223	24	the	the	DET
ajis02-2579	223	25	incremental	incremental	ADJ
ajis02-2579	223	26	fit	fit	ADJ
ajis02-2579	223	27	index	index	NOUN
ajis02-2579	223	28	(	(	PUNCT
ajis02-2579	223	29	ifi	ifi	PROPN
ajis02-2579	223	30	)	)	PUNCT
ajis02-2579	223	31	=	=	NOUN
ajis02-2579	223	32	0.90	0.90	NUM
ajis02-2579	223	33	,	,	PUNCT
ajis02-2579	223	34	and	and	CCONJ
ajis02-2579	223	35	the	the	DET
ajis02-2579	223	36	coefficient	coefficient	NOUN
ajis02-2579	223	37	of	of	ADP
ajis02-2579	223	38	determination	determination	NOUN
ajis02-2579	223	39	(	(	PUNCT
ajis02-2579	223	40	cd	cd	PROPN
ajis02-2579	223	41	)	)	PUNCT
ajis02-2579	223	42	=	=	PUNCT
ajis02-2579	224	1	0.91	0.91	NUM
ajis02-2579	224	2	,	,	PUNCT
ajis02-2579	224	3	which	which	PRON
ajis02-2579	224	4	are	be	AUX
ajis02-2579	224	5	within	within	ADP
ajis02-2579	224	6	accepted	accepted	ADJ
ajis02-2579	224	7	values	value	NOUN
ajis02-2579	224	8	(	(	PUNCT
ajis02-2579	224	9	bollen	bollen	PROPN
ajis02-2579	224	10	,	,	PUNCT
ajis02-2579	224	11	1987	1987	NUM
ajis02-2579	224	12	)	)	PUNCT
ajis02-2579	224	13	.	.	PUNCT
ajis02-2579	225	1	following	follow	VERB
ajis02-2579	225	2	goodhue	goodhue	PROPN
ajis02-2579	225	3	,	,	PUNCT
ajis02-2579	225	4	lewis	lewis	PROPN
ajis02-2579	225	5	,	,	PUNCT
ajis02-2579	225	6	and	and	CCONJ
ajis02-2579	225	7	thompson	thompson	PROPN
ajis02-2579	225	8	(	(	PUNCT
ajis02-2579	225	9	2011	2011	NUM
ajis02-2579	225	10	)	)	PUNCT
ajis02-2579	225	11	,	,	PUNCT
ajis02-2579	225	12	(	(	PUNCT
ajis02-2579	225	13	as	as	SCONJ
ajis02-2579	225	14	cited	cite	VERB
ajis02-2579	225	15	in	in	ADP
ajis02-2579	225	16	henseler	henseler	NOUN
ajis02-2579	225	17	,	,	PUNCT
ajis02-2579	225	18	ringle	ringle	NOUN
ajis02-2579	225	19	,	,	PUNCT
ajis02-2579	225	20	and	and	CCONJ
ajis02-2579	225	21	sarstedt	sarstedt	NOUN
ajis02-2579	225	22	,	,	PUNCT
ajis02-2579	225	23	2015	2015	NUM
ajis02-2579	225	24	)	)	PUNCT
ajis02-2579	225	25	,	,	PUNCT
ajis02-2579	225	26	we	we	PRON
ajis02-2579	225	27	examine	examine	VERB
ajis02-2579	225	28	the	the	DET
ajis02-2579	225	29	vif	vif	NOUN
ajis02-2579	225	30	values	value	NOUN
ajis02-2579	225	31	between	between	ADP
ajis02-2579	225	32	the	the	DET
ajis02-2579	225	33	constructs	construct	NOUN
ajis02-2579	225	34	.	.	PUNCT
ajis02-2579	226	1	this	this	PRON
ajis02-2579	226	2	is	be	AUX
ajis02-2579	226	3	to	to	PART
ajis02-2579	226	4	avoid	avoid	VERB
ajis02-2579	226	5	high	high	ADJ
ajis02-2579	226	6	collinearity	collinearity	NOUN
ajis02-2579	226	7	between	between	ADP
ajis02-2579	226	8	constructs	construct	NOUN
ajis02-2579	226	9	that	that	PRON
ajis02-2579	226	10	may	may	AUX
ajis02-2579	226	11	lead	lead	VERB
ajis02-2579	226	12	to	to	ADP
ajis02-2579	226	13	an	an	DET
ajis02-2579	226	14	exaggerated	exaggerated	ADJ
ajis02-2579	226	15	estimation	estimation	NOUN
ajis02-2579	226	16	of	of	ADP
ajis02-2579	226	17	path	path	NOUN
ajis02-2579	226	18	coefficients	coefficient	NOUN
ajis02-2579	226	19	.	.	PUNCT
ajis02-2579	227	1	any	any	DET
ajis02-2579	227	2	construct	construct	NOUN
ajis02-2579	227	3	that	that	PRON
ajis02-2579	227	4	exhibits	exhibit	VERB
ajis02-2579	227	5	a	a	DET
ajis02-2579	227	6	vif	vif	NOUN
ajis02-2579	227	7	number	number	NOUN
ajis02-2579	227	8	above	above	ADP
ajis02-2579	227	9	5.00	5.00	NUM
ajis02-2579	227	10	shows	show	VERB
ajis02-2579	227	11	collinearity	collinearity	NOUN
ajis02-2579	227	12	.	.	PUNCT
ajis02-2579	228	1	the	the	DET
ajis02-2579	228	2	vif	vif	PROPN
ajis02-2579	228	3	values	value	NOUN
ajis02-2579	228	4	(	(	PUNCT
ajis02-2579	228	5	see	see	VERB
ajis02-2579	228	6	table	table	NOUN
ajis02-2579	228	7	2	2	NUM
ajis02-2579	228	8	)	)	PUNCT
ajis02-2579	228	9	for	for	ADP
ajis02-2579	228	10	the	the	DET
ajis02-2579	228	11	study	study	NOUN
ajis02-2579	228	12	fell	fall	VERB
ajis02-2579	228	13	between	between	ADP
ajis02-2579	228	14	1	1	NUM
ajis02-2579	228	15	and	and	CCONJ
ajis02-2579	228	16	4	4	NUM
ajis02-2579	228	17	,	,	PUNCT
ajis02-2579	228	18	all	all	PRON
ajis02-2579	228	19	below	below	ADP
ajis02-2579	228	20	the	the	DET
ajis02-2579	228	21	recommended	recommend	VERB
ajis02-2579	228	22	values	value	NOUN
ajis02-2579	228	23	of	of	ADP
ajis02-2579	228	24	below	below	ADP
ajis02-2579	228	25	5	5	NUM
ajis02-2579	228	26	,	,	PUNCT
ajis02-2579	228	27	indicating	indicate	VERB
ajis02-2579	228	28	that	that	SCONJ
ajis02-2579	228	29	multicollinearity	multicollinearity	NOUN
ajis02-2579	228	30	is	be	AUX
ajis02-2579	228	31	not	not	PART
ajis02-2579	228	32	an	an	DET
ajis02-2579	228	33	issue	issue	NOUN
ajis02-2579	228	34	in	in	ADP
ajis02-2579	228	35	our	our	PRON
ajis02-2579	228	36	study	study	NOUN
ajis02-2579	228	37	.	.	PUNCT
ajis02-2579	229	1	satisfied	satisfy	VERB
ajis02-2579	229	2	that	that	SCONJ
ajis02-2579	229	3	the	the	DET
ajis02-2579	229	4	model	model	NOUN
ajis02-2579	229	5	is	be	AUX
ajis02-2579	229	6	fit	fit	ADJ
ajis02-2579	229	7	,	,	PUNCT
ajis02-2579	229	8	we	we	PRON
ajis02-2579	229	9	now	now	ADV
ajis02-2579	229	10	show	show	VERB
ajis02-2579	229	11	the	the	DET
ajis02-2579	229	12	results	result	NOUN
ajis02-2579	229	13	of	of	ADP
ajis02-2579	229	14	the	the	DET
ajis02-2579	229	15	context	context	NOUN
ajis02-2579	229	16	-	-	PUNCT
ajis02-2579	229	17	based	base	VERB
ajis02-2579	229	18	factors	factor	NOUN
ajis02-2579	229	19	that	that	PRON
ajis02-2579	229	20	determine	determine	VERB
ajis02-2579	229	21	the	the	DET
ajis02-2579	229	22	initial	initial	ADJ
ajis02-2579	229	23	uptake	uptake	NOUN
ajis02-2579	229	24	and	and	CCONJ
ajis02-2579	229	25	ongoing	ongoing	ADJ
ajis02-2579	229	26	usage	usage	NOUN
ajis02-2579	229	27	of	of	ADP
ajis02-2579	229	28	mobile	mobile	ADJ
ajis02-2579	229	29	money	money	NOUN
ajis02-2579	229	30	in	in	ADP
ajis02-2579	229	31	africa	africa	PROPN
ajis02-2579	229	32	.	.	PUNCT
ajis02-2579	230	1	following	follow	VERB
ajis02-2579	230	2	bollen	bollen	PROPN
ajis02-2579	230	3	's	's	PART
ajis02-2579	230	4	(	(	PUNCT
ajis02-2579	230	5	1987	1987	NUM
ajis02-2579	230	6	)	)	PUNCT
ajis02-2579	230	7	approach	approach	NOUN
ajis02-2579	230	8	regarding	regard	VERB
ajis02-2579	230	9	direct	direct	ADJ
ajis02-2579	230	10	,	,	PUNCT
ajis02-2579	230	11	indirect	indirect	ADJ
ajis02-2579	230	12	and	and	CCONJ
ajis02-2579	230	13	total	total	ADJ
ajis02-2579	230	14	models	model	NOUN
ajis02-2579	230	15	in	in	ADP
ajis02-2579	230	16	sem	sem	PROPN
ajis02-2579	230	17	,	,	PUNCT
ajis02-2579	230	18	we	we	PRON
ajis02-2579	230	19	show	show	VERB
ajis02-2579	230	20	the	the	DET
ajis02-2579	230	21	direct	direct	ADJ
ajis02-2579	230	22	paths	path	NOUN
ajis02-2579	230	23	among	among	ADP
ajis02-2579	230	24	the	the	DET
ajis02-2579	230	25	key	key	ADJ
ajis02-2579	230	26	theoretical	theoretical	ADJ
ajis02-2579	230	27	constructs	construct	NOUN
ajis02-2579	230	28	in	in	ADP
ajis02-2579	230	29	which	which	PRON
ajis02-2579	230	30	items	item	NOUN
ajis02-2579	230	31	or	or	CCONJ
ajis02-2579	230	32	factors	factor	NOUN
ajis02-2579	230	33	in	in	ADP
ajis02-2579	230	34	the	the	DET
ajis02-2579	230	35	hypothetical	hypothetical	ADJ
ajis02-2579	230	36	model	model	NOUN
ajis02-2579	230	37	in	in	ADP
ajis02-2579	230	38	figure	figure	NOUN
ajis02-2579	230	39	1	1	NUM
ajis02-2579	230	40	are	be	AUX
ajis02-2579	230	41	either	either	ADV
ajis02-2579	230	42	confirmed	confirm	VERB
ajis02-2579	230	43	or	or	CCONJ
ajis02-2579	230	44	rejected	reject	VERB
ajis02-2579	230	45	.	.	PUNCT
ajis02-2579	231	1	we	we	PRON
ajis02-2579	231	2	show	show	VERB
ajis02-2579	231	3	the	the	DET
ajis02-2579	231	4	standardised	standardised	ADJ
ajis02-2579	231	5	coefficients	coefficient	NOUN
ajis02-2579	231	6	in	in	ADP
ajis02-2579	231	7	figure	figure	NOUN
ajis02-2579	231	8	2	2	NUM
ajis02-2579	231	9	and	and	CCONJ
ajis02-2579	231	10	table	table	NOUN
ajis02-2579	231	11	3	3	NUM
ajis02-2579	231	12	for	for	ADP
ajis02-2579	231	13	easy	easy	ADJ
ajis02-2579	231	14	comparison	comparison	NOUN
ajis02-2579	231	15	of	of	ADP
ajis02-2579	231	16	magnitudes	magnitude	NOUN
ajis02-2579	231	17	,	,	PUNCT
ajis02-2579	231	18	as	as	SCONJ
ajis02-2579	231	19	the	the	DET
ajis02-2579	231	20	measurement	measurement	NOUN
ajis02-2579	231	21	of	of	ADP
ajis02-2579	231	22	the	the	DET
ajis02-2579	231	23	variables	variable	NOUN
ajis02-2579	231	24	was	be	AUX
ajis02-2579	231	25	done	do	VERB
ajis02-2579	231	26	on	on	ADP
ajis02-2579	231	27	different	different	ADJ
ajis02-2579	231	28	scales	scale	NOUN
ajis02-2579	231	29	.	.	PUNCT
ajis02-2579	232	1	the	the	DET
ajis02-2579	232	2	standardised	standardised	ADJ
ajis02-2579	232	3	coefficients	coefficient	NOUN
ajis02-2579	232	4	for	for	ADP
ajis02-2579	232	5	each	each	DET
ajis02-2579	232	6	path	path	NOUN
ajis02-2579	232	7	closely	closely	ADV
ajis02-2579	232	8	approximate	approximate	VERB
ajis02-2579	232	9	the	the	DET
ajis02-2579	232	10	effective	effective	ADJ
ajis02-2579	232	11	magnitude	magnitude	NOUN
ajis02-2579	232	12	usually	usually	ADV
ajis02-2579	232	13	shown	show	VERB
ajis02-2579	232	14	by	by	ADP
ajis02-2579	232	15	beta	beta	ADJ
ajis02-2579	232	16	weights	weight	NOUN
ajis02-2579	232	17	in	in	ADP
ajis02-2579	232	18	regression	regression	NOUN
ajis02-2579	232	19	.	.	PUNCT
ajis02-2579	233	1	thus	thus	ADV
ajis02-2579	233	2	,	,	PUNCT
ajis02-2579	233	3	low	low	ADJ
ajis02-2579	233	4	coefficients	coefficient	NOUN
ajis02-2579	233	5	have	have	AUX
ajis02-2579	233	6	limited	limit	VERB
ajis02-2579	233	7	substantive	substantive	ADJ
ajis02-2579	233	8	effect	effect	NOUN
ajis02-2579	233	9	(	(	PUNCT
ajis02-2579	233	10	hair	hair	NOUN
ajis02-2579	233	11	et	et	PROPN
ajis02-2579	233	12	al	al	PROPN
ajis02-2579	233	13	.	.	PROPN
ajis02-2579	233	14	,	,	PUNCT
ajis02-2579	233	15	1995	1995	NUM
ajis02-2579	233	16	)	)	PUNCT
ajis02-2579	233	17	.	.	PUNCT
ajis02-2579	234	1	to	to	PART
ajis02-2579	234	2	ensure	ensure	VERB
ajis02-2579	234	3	the	the	DET
ajis02-2579	234	4	stability	stability	NOUN
ajis02-2579	234	5	of	of	ADP
ajis02-2579	234	6	the	the	DET
ajis02-2579	234	7	results	result	NOUN
ajis02-2579	234	8	,	,	PUNCT
ajis02-2579	234	9	we	we	PRON
ajis02-2579	234	10	test	test	VERB
ajis02-2579	234	11	the	the	DET
ajis02-2579	234	12	correlation	correlation	NOUN
ajis02-2579	234	13	of	of	ADP
ajis02-2579	234	14	the	the	DET
ajis02-2579	234	15	exogenous	exogenous	ADJ
ajis02-2579	234	16	variables	variable	NOUN
ajis02-2579	234	17	(	(	PUNCT
ajis02-2579	234	18	see	see	VERB
ajis02-2579	234	19	table	table	NOUN
ajis02-2579	234	20	2	2	NUM
ajis02-2579	234	21	)	)	PUNCT
ajis02-2579	234	22	to	to	PART
ajis02-2579	234	23	deduce	deduce	VERB
ajis02-2579	234	24	the	the	DET
ajis02-2579	234	25	presence	presence	NOUN
ajis02-2579	234	26	of	of	ADP
ajis02-2579	234	27	multicollinearity	multicollinearity	NOUN
ajis02-2579	234	28	.	.	PUNCT
ajis02-2579	235	1	berry	berry	VERB
ajis02-2579	235	2	et	et	PROPN
ajis02-2579	235	3	al	al	PROPN
ajis02-2579	235	4	.	.	PROPN
ajis02-2579	236	1	(	(	PUNCT
ajis02-2579	236	2	1985	1985	NUM
ajis02-2579	236	3	)	)	PUNCT
ajis02-2579	236	4	argue	argue	VERB
ajis02-2579	236	5	that	that	SCONJ
ajis02-2579	236	6	for	for	ADP
ajis02-2579	236	7	any	any	DET
ajis02-2579	236	8	specific	specific	ADJ
ajis02-2579	236	9	empirical	empirical	ADJ
ajis02-2579	236	10	analysis	analysis	NOUN
ajis02-2579	236	11	,	,	PUNCT
ajis02-2579	236	12	multicollinearity	multicollinearity	NOUN
ajis02-2579	236	13	,	,	PUNCT
ajis02-2579	236	14	which	which	PRON
ajis02-2579	236	15	is	be	AUX
ajis02-2579	236	16	a	a	DET
ajis02-2579	236	17	correlation	correlation	NOUN
ajis02-2579	236	18	among	among	ADP
ajis02-2579	236	19	explanatory	explanatory	ADJ
ajis02-2579	236	20	variables	variable	NOUN
ajis02-2579	236	21	,	,	PUNCT
ajis02-2579	236	22	can	can	AUX
ajis02-2579	236	23	affect	affect	VERB
ajis02-2579	236	24	the	the	DET
ajis02-2579	236	25	stability	stability	NOUN
ajis02-2579	236	26	of	of	ADP
ajis02-2579	236	27	the	the	DET
ajis02-2579	236	28	empirical	empirical	ADJ
ajis02-2579	236	29	results	result	NOUN
ajis02-2579	236	30	.	.	PUNCT
ajis02-2579	237	1	to	to	PART
ajis02-2579	237	2	avoid	avoid	VERB
ajis02-2579	237	3	this	this	PRON
ajis02-2579	237	4	,	,	PUNCT
ajis02-2579	237	5	they	they	PRON
ajis02-2579	237	6	suggested	suggest	VERB
ajis02-2579	237	7	that	that	SCONJ
ajis02-2579	237	8	,	,	PUNCT
ajis02-2579	237	9	as	as	ADP
ajis02-2579	237	10	a	a	DET
ajis02-2579	237	11	rule	rule	NOUN
ajis02-2579	237	12	of	of	ADP
ajis02-2579	237	13	thumb	thumb	NOUN
ajis02-2579	237	14	,	,	PUNCT
ajis02-2579	237	15	the	the	DET
ajis02-2579	237	16	correlation	correlation	NOUN
ajis02-2579	237	17	among	among	ADP
ajis02-2579	237	18	the	the	DET
ajis02-2579	237	19	explanatory	explanatory	ADJ
ajis02-2579	237	20	variables	variable	NOUN
ajis02-2579	237	21	should	should	AUX
ajis02-2579	237	22	be	be	AUX
ajis02-2579	237	23	below	below	ADP
ajis02-2579	237	24	0.8	0.8	NUM
ajis02-2579	237	25	.	.	PUNCT
ajis02-2579	238	1	as	as	SCONJ
ajis02-2579	238	2	shown	show	VERB
ajis02-2579	238	3	in	in	ADP
ajis02-2579	238	4	table	table	NOUN
ajis02-2579	238	5	4	4	NUM
ajis02-2579	238	6	,	,	PUNCT
ajis02-2579	238	7	all	all	DET
ajis02-2579	238	8	the	the	DET
ajis02-2579	238	9	correlations	correlation	NOUN
ajis02-2579	238	10	are	be	AUX
ajis02-2579	238	11	within	within	ADP
ajis02-2579	238	12	the	the	DET
ajis02-2579	238	13	cut	cut	NOUN
ajis02-2579	238	14	-	-	PUNCT
ajis02-2579	238	15	off	off	ADP
ajis02-2579	238	16	value	value	NOUN
ajis02-2579	238	17	of	of	ADP
ajis02-2579	238	18	0.8	0.8	NUM
ajis02-2579	238	19	,	,	PUNCT
ajis02-2579	238	20	reconfirming	reconfirm	VERB
ajis02-2579	238	21	that	that	SCONJ
ajis02-2579	238	22	the	the	DET
ajis02-2579	238	23	multicollinearity	multicollinearity	NOUN
ajis02-2579	238	24	is	be	AUX
ajis02-2579	238	25	not	not	PART
ajis02-2579	238	26	an	an	DET
ajis02-2579	238	27	issue	issue	NOUN
ajis02-2579	238	28	in	in	ADP
ajis02-2579	238	29	our	our	PRON
ajis02-2579	238	30	study	study	NOUN
ajis02-2579	238	31	.	.	PUNCT
ajis02-2579	239	1	australasian	australasian	ADJ
ajis02-2579	239	2	journal	journal	NOUN
ajis02-2579	239	3	of	of	ADP
ajis02-2579	239	4	information	information	NOUN
ajis02-2579	239	5	systems	system	NOUN
ajis02-2579	239	6	alhassan	alhassan	PROPN
ajis02-2579	239	7	,	,	PUNCT
ajis02-2579	239	8	li	li	PROPN
ajis02-2579	239	9	,	,	PUNCT
ajis02-2579	239	10	reddy	reddy	PROPN
ajis02-2579	239	11	&	&	CCONJ
ajis02-2579	239	12	duppati	duppati	PROPN
ajis02-2579	239	13	2020	2020	NUM
ajis02-2579	239	14	,	,	PUNCT
ajis02-2579	239	15	vol	vol	NOUN
ajis02-2579	239	16	24	24	NUM
ajis02-2579	239	17	,	,	PUNCT
ajis02-2579	239	18	research	research	NOUN
ajis02-2579	239	19	article	article	NOUN
ajis02-2579	239	20	consumer	consumer	NOUN
ajis02-2579	239	21	acceptance	acceptance	NOUN
ajis02-2579	239	22	and	and	CCONJ
ajis02-2579	239	23	continuance	continuance	NOUN
ajis02-2579	239	24	of	of	ADP
ajis02-2579	239	25	mobile	mobile	ADJ
ajis02-2579	239	26	money	money	NOUN
ajis02-2579	239	27	14	14	NUM
ajis02-2579	239	28	item	item	NOUN
ajis02-2579	239	29	intention	intention	NOUN
ajis02-2579	239	30	attitude	attitude	NOUN
ajis02-2579	239	31	pu	pu	PROPN
ajis02-2579	239	32	rural	rural	ADJ
ajis02-2579	239	33	pu	pu	PROPN
ajis02-2579	239	34	cost	cost	PROPN
ajis02-2579	239	35	pu	pu	PROPN
ajis02-2579	239	36	ubiquity	ubiquity	PROPN
ajis02-2579	239	37	pu	pu	PROPN
ajis02-2579	239	38	regulation	regulation	PROPN
ajis02-2579	239	39	peou	peou	ADV
ajis02-2579	239	40	education	education	NOUN
ajis02-2579	239	41	peou	peou	ADV
ajis02-2579	239	42	gender	gender	NOUN
ajis02-2579	239	43	age	age	NOUN
ajis02-2579	239	44	income	income	NOUN
ajis02-2579	239	45	provider	provider	NOUN
ajis02-2579	239	46	size	size	NOUN
ajis02-2579	239	47	marketing	marketing	NOUN
ajis02-2579	239	48	vif	vif	NOUN
ajis02-2579	239	49	intention	intention	NOUN
ajis02-2579	239	50	1.00	1.00	NUM
ajis02-2579	239	51	.21	.21	NUM
ajis02-2579	239	52	attitude	attitude	NOUN
ajis02-2579	239	53	.68	.68	NUM
ajis02-2579	239	54	1.00	1.00	NUM
ajis02-2579	239	55	.30	.30	NUM
ajis02-2579	239	56	pu	pu	PROPN
ajis02-2579	239	57	rural	rural	NOUN
ajis02-2579	239	58	-.41	-.41	PUNCT
ajis02-2579	239	59	-.23	-.23	PROPN
ajis02-2579	239	60	1.00	1.00	NUM
ajis02-2579	239	61	.17	.17	NUM
ajis02-2579	239	62	pu	pu	PROPN
ajis02-2579	239	63	cost	cost	NOUN
ajis02-2579	239	64	-.35	-.35	PUNCT
ajis02-2579	239	65	-.74	-.74	PUNCT
ajis02-2579	239	66	-.57	-.57	SYM
ajis02-2579	239	67	1.00	1.00	NUM
ajis02-2579	239	68	.39	.39	NUM
ajis02-2579	239	69	peou	peou	ADV
ajis02-2579	239	70	ubiquity	ubiquity	ADJ
ajis02-2579	239	71	.74	.74	NUM
ajis02-2579	239	72	.51	.51	NUM
ajis02-2579	239	73	-.25	-.25	PUNCT
ajis02-2579	239	74	-.58	-.58	ADP
ajis02-2579	239	75	1.00	1.00	NUM
ajis02-2579	239	76	.27	.27	NUM
ajis02-2579	239	77	peou	peou	NOUN
ajis02-2579	239	78	regulation	regulation	NOUN
ajis02-2579	239	79	.72	.72	NUM
ajis02-2579	239	80	.57	.57	NUM
ajis02-2579	239	81	-.24	-.24	PUNCT
ajis02-2579	239	82	-.19	-.19	SYM
ajis02-2579	239	83	.72	.72	NUM
ajis02-2579	239	84	1.00	1.00	NUM
ajis02-2579	239	85	.32	.32	NUM
ajis02-2579	239	86	peou	peou	ADJ
ajis02-2579	239	87	education	education	NOUN
ajis02-2579	239	88	.58	.58	NUM
ajis02-2579	239	89	.49	.49	NUM
ajis02-2579	239	90	-.70	-.70	SYM
ajis02-2579	239	91	-.44	-.44	NUM
ajis02-2579	239	92	.67	.67	NUM
ajis02-2579	239	93	.54	.54	NUM
ajis02-2579	239	94	1.00	1.00	NUM
ajis02-2579	239	95	.41	.41	NUM
ajis02-2579	239	96	peou	peou	ADJ
ajis02-2579	239	97	gender	gender	NOUN
ajis02-2579	239	98	-.34	-.34	PUNCT
ajis02-2579	239	99	-.31	-.31	PUNCT
ajis02-2579	240	1	-.36	-.36	NUM
ajis02-2579	240	2	.23	.23	NUM
ajis02-2579	240	3	-.16	-.16	NUM
ajis02-2579	240	4	.61	.61	NUM
ajis02-2579	240	5	.14	.14	NUM
ajis02-2579	240	6	1.00	1.00	NUM
ajis02-2579	240	7	.09	.09	NUM
ajis02-2579	240	8	age	age	NOUN
ajis02-2579	240	9	.46	.46	NUM
ajis02-2579	240	10	-.01	-.01	NOUN
ajis02-2579	240	11	-.42	-.42	NUM
ajis02-2579	240	12	.52	.52	NUM
ajis02-2579	240	13	-.63	-.63	SYM
ajis02-2579	240	14	.31	.31	NUM
ajis02-2579	240	15	-.31	-.31	PUNCT
ajis02-2579	240	16	.08	.08	NUM
ajis02-2579	240	17	1.00	1.00	NUM
ajis02-2579	240	18	.28	.28	NUM
ajis02-2579	240	19	income	income	NOUN
ajis02-2579	240	20	.61	.61	NUM
ajis02-2579	240	21	.21	.21	NUM
ajis02-2579	240	22	-.29	-.29	SYM
ajis02-2579	240	23	.27	.27	NUM
ajis02-2579	240	24	-.65	-.65	ADP
ajis02-2579	240	25	.16	.16	NUM
ajis02-2579	240	26	-.52	-.52	SYM
ajis02-2579	240	27	-.21	-.21	PUNCT
ajis02-2579	240	28	.25	.25	NUM
ajis02-2579	240	29	1.00	1.00	NUM
ajis02-2579	240	30	.22	.22	NUM
ajis02-2579	240	31	provider	provider	NOUN
ajis02-2579	240	32	size	size	NOUN
ajis02-2579	240	33	.06	.06	NUM
ajis02-2579	240	34	.21	.21	NUM
ajis02-2579	240	35	-.34	-.34	NUM
ajis02-2579	240	36	-.49	-.49	SYM
ajis02-2579	240	37	.38	.38	NUM
ajis02-2579	240	38	.54	.54	NUM
ajis02-2579	240	39	.63	.63	NUM
ajis02-2579	240	40	.05	.05	NUM
ajis02-2579	240	41	.06	.06	NUM
ajis02-2579	240	42	.12	.12	NUM
ajis02-2579	240	43	1.00	1.00	NUM
ajis02-2579	240	44	.33	.33	NUM
ajis02-2579	240	45	marketing	market	VERB
ajis02-2579	240	46	.10	.10	NUM
ajis02-2579	240	47	.13	.13	NUM
ajis02-2579	240	48	.09	.09	NUM
ajis02-2579	240	49	.72	.72	NUM
ajis02-2579	240	50	.64	.64	NUM
ajis02-2579	240	51	.42	.42	NUM
ajis02-2579	240	52	.41	.41	NUM
ajis02-2579	240	53	.07	.07	NUM
ajis02-2579	240	54	.23	.23	NUM
ajis02-2579	240	55	.30	.30	NUM
ajis02-2579	240	56	.65	.65	NUM
ajis02-2579	240	57	1.00	1.00	NUM
ajis02-2579	240	58	.29	.29	NUM
ajis02-2579	240	59	notes	note	NOUN
ajis02-2579	240	60	:	:	PUNCT
ajis02-2579	241	1	1	1	X
ajis02-2579	241	2	.	.	PUNCT
ajis02-2579	242	1	this	this	DET
ajis02-2579	242	2	table	table	NOUN
ajis02-2579	242	3	lists	list	VERB
ajis02-2579	242	4	the	the	DET
ajis02-2579	242	5	correlations	correlation	NOUN
ajis02-2579	242	6	matrix	matrix	NOUN
ajis02-2579	242	7	of	of	ADP
ajis02-2579	242	8	all	all	DET
ajis02-2579	242	9	the	the	DET
ajis02-2579	242	10	tested	test	VERB
ajis02-2579	242	11	variables	variable	NOUN
ajis02-2579	242	12	in	in	ADP
ajis02-2579	242	13	the	the	DET
ajis02-2579	242	14	study	study	NOUN
ajis02-2579	242	15	.	.	PUNCT
ajis02-2579	243	1	first	first	ADV
ajis02-2579	243	2	,	,	PUNCT
ajis02-2579	243	3	the	the	DET
ajis02-2579	243	4	positive	positive	ADJ
ajis02-2579	243	5	and	and	CCONJ
ajis02-2579	243	6	significant	significant	ADJ
ajis02-2579	243	7	correlation	correlation	NOUN
ajis02-2579	243	8	between	between	ADP
ajis02-2579	243	9	peou	peou	ADV
ajis02-2579	243	10	ubiquity	ubiquity	NOUN
ajis02-2579	243	11	/	/	SYM
ajis02-2579	243	12	power	power	NOUN
ajis02-2579	243	13	and	and	CCONJ
ajis02-2579	243	14	continuous	continuous	ADJ
ajis02-2579	243	15	intention	intention	NOUN
ajis02-2579	243	16	to	to	PART
ajis02-2579	243	17	adopt	adopt	VERB
ajis02-2579	243	18	mobile	mobile	ADJ
ajis02-2579	243	19	money	money	NOUN
ajis02-2579	243	20	indicates	indicate	VERB
ajis02-2579	243	21	that	that	SCONJ
ajis02-2579	243	22	the	the	DET
ajis02-2579	243	23	supply	supply	NOUN
ajis02-2579	243	24	of	of	ADP
ajis02-2579	243	25	electricity	electricity	NOUN
ajis02-2579	243	26	is	be	AUX
ajis02-2579	243	27	important	important	ADJ
ajis02-2579	243	28	to	to	ADP
ajis02-2579	243	29	the	the	DET
ajis02-2579	243	30	adoption	adoption	NOUN
ajis02-2579	243	31	of	of	ADP
ajis02-2579	243	32	mobile	mobile	ADJ
ajis02-2579	243	33	money	money	NOUN
ajis02-2579	243	34	.	.	PUNCT
ajis02-2579	244	1	second	second	ADJ
ajis02-2579	244	2	,	,	PUNCT
ajis02-2579	244	3	the	the	DET
ajis02-2579	244	4	correlation	correlation	NOUN
ajis02-2579	244	5	between	between	ADP
ajis02-2579	244	6	peou	peou	ADV
ajis02-2579	244	7	ubiquity	ubiquity	NOUN
ajis02-2579	244	8	/	/	SYM
ajis02-2579	244	9	power	power	NOUN
ajis02-2579	244	10	and	and	CCONJ
ajis02-2579	244	11	attitudes	attitude	NOUN
ajis02-2579	244	12	towards	towards	ADP
ajis02-2579	244	13	adoption	adoption	NOUN
ajis02-2579	244	14	of	of	ADP
ajis02-2579	244	15	mobile	mobile	ADJ
ajis02-2579	244	16	money	money	NOUN
ajis02-2579	244	17	is	be	AUX
ajis02-2579	244	18	also	also	ADV
ajis02-2579	244	19	positive	positive	ADJ
ajis02-2579	244	20	and	and	CCONJ
ajis02-2579	244	21	significant	significant	ADJ
ajis02-2579	244	22	,	,	PUNCT
ajis02-2579	244	23	which	which	PRON
ajis02-2579	244	24	supports	support	VERB
ajis02-2579	244	25	a	a	DET
ajis02-2579	244	26	similar	similar	ADJ
ajis02-2579	244	27	argument	argument	NOUN
ajis02-2579	244	28	as	as	ADP
ajis02-2579	244	29	above	above	ADV
ajis02-2579	244	30	.	.	PUNCT
ajis02-2579	245	1	surprisingly	surprisingly	ADV
ajis02-2579	245	2	,	,	PUNCT
ajis02-2579	245	3	the	the	DET
ajis02-2579	245	4	values	value	NOUN
ajis02-2579	245	5	of	of	ADP
ajis02-2579	245	6	pu	pu	PROPN
ajis02-2579	245	7	rural	rural	ADJ
ajis02-2579	245	8	and	and	CCONJ
ajis02-2579	245	9	continuous	continuous	ADJ
ajis02-2579	245	10	intention	intention	NOUN
ajis02-2579	245	11	to	to	PART
ajis02-2579	245	12	adopt	adopt	VERB
ajis02-2579	245	13	mobile	mobile	ADJ
ajis02-2579	245	14	money	money	NOUN
ajis02-2579	245	15	is	be	AUX
ajis02-2579	245	16	negative	negative	ADJ
ajis02-2579	245	17	and	and	CCONJ
ajis02-2579	245	18	significant	significant	ADJ
ajis02-2579	245	19	,	,	PUNCT
ajis02-2579	245	20	which	which	PRON
ajis02-2579	245	21	indicate	indicate	VERB
ajis02-2579	245	22	the	the	DET
ajis02-2579	245	23	challenges	challenge	NOUN
ajis02-2579	245	24	of	of	ADP
ajis02-2579	245	25	rural	rural	ADJ
ajis02-2579	245	26	dwellers	dweller	NOUN
ajis02-2579	245	27	on	on	ADP
ajis02-2579	245	28	the	the	DET
ajis02-2579	245	29	adoption	adoption	NOUN
ajis02-2579	245	30	of	of	ADP
ajis02-2579	245	31	mobile	mobile	ADJ
ajis02-2579	245	32	money	money	NOUN
ajis02-2579	245	33	in	in	ADP
ajis02-2579	245	34	africa	africa	PROPN
ajis02-2579	245	35	.	.	PUNCT
ajis02-2579	246	1	the	the	DET
ajis02-2579	246	2	correlation	correlation	NOUN
ajis02-2579	246	3	matrix	matrix	NOUN
ajis02-2579	246	4	largely	largely	ADV
ajis02-2579	246	5	supports	support	VERB
ajis02-2579	246	6	the	the	DET
ajis02-2579	246	7	estimation	estimation	NOUN
ajis02-2579	246	8	results	result	NOUN
ajis02-2579	246	9	in	in	ADP
ajis02-2579	246	10	table	table	NOUN
ajis02-2579	246	11	4	4	NUM
ajis02-2579	246	12	and	and	CCONJ
ajis02-2579	246	13	figure	figure	VERB
ajis02-2579	246	14	2	2	NUM
ajis02-2579	246	15	.	.	NOUN
ajis02-2579	246	16	2	2	NUM
ajis02-2579	246	17	.	.	PUNCT
ajis02-2579	247	1	the	the	DET
ajis02-2579	247	2	correlation	correlation	NOUN
ajis02-2579	247	3	estimates	estimate	NOUN
ajis02-2579	247	4	shown	show	VERB
ajis02-2579	247	5	in	in	ADP
ajis02-2579	247	6	this	this	DET
ajis02-2579	247	7	table	table	NOUN
ajis02-2579	247	8	suggest	suggest	VERB
ajis02-2579	247	9	that	that	SCONJ
ajis02-2579	247	10	multicollinearity	multicollinearity	NOUN
ajis02-2579	247	11	is	be	AUX
ajis02-2579	247	12	not	not	PART
ajis02-2579	247	13	a	a	DET
ajis02-2579	247	14	problem	problem	NOUN
ajis02-2579	247	15	among	among	ADP
ajis02-2579	247	16	the	the	DET
ajis02-2579	247	17	constructs	construct	NOUN
ajis02-2579	247	18	.	.	PUNCT
ajis02-2579	248	1	all	all	DET
ajis02-2579	248	2	constructs	construct	NOUN
ajis02-2579	248	3	are	be	AUX
ajis02-2579	248	4	below	below	ADP
ajis02-2579	248	5	the	the	DET
ajis02-2579	248	6	cut	cut	VERB
ajis02-2579	248	7	-	-	PUNCT
ajis02-2579	248	8	off	off	ADP
ajis02-2579	248	9	figure	figure	NOUN
ajis02-2579	248	10	of	of	ADP
ajis02-2579	248	11	.80	.80	NUM
ajis02-2579	248	12	,	,	PUNCT
ajis02-2579	248	13	and	and	CCONJ
ajis02-2579	248	14	.50	.50	NUM
ajis02-2579	248	15	for	for	ADP
ajis02-2579	248	16	correlation	correlation	NOUN
ajis02-2579	248	17	and	and	CCONJ
ajis02-2579	248	18	vif	vif	NOUN
ajis02-2579	248	19	respectively	respectively	ADV
ajis02-2579	248	20	.	.	PUNCT
ajis02-2579	249	1	3	3	X
ajis02-2579	249	2	.	.	X
ajis02-2579	249	3	pu	pu	PROPN
ajis02-2579	249	4	is	be	AUX
ajis02-2579	249	5	perceived	perceive	VERB
ajis02-2579	249	6	usefulness	usefulness	NOUN
ajis02-2579	249	7	and	and	CCONJ
ajis02-2579	249	8	peou	peou	ADV
ajis02-2579	249	9	is	be	AUX
ajis02-2579	249	10	perceived	perceive	VERB
ajis02-2579	249	11	ease	ease	NOUN
ajis02-2579	249	12	of	of	ADP
ajis02-2579	249	13	use	use	NOUN
ajis02-2579	249	14	.	.	PUNCT
ajis02-2579	250	1	table	table	NOUN
ajis02-2579	250	2	2	2	NUM
ajis02-2579	250	3	correlation	correlation	NOUN
ajis02-2579	250	4	matrix	matrix	NOUN
ajis02-2579	250	5	and	and	CCONJ
ajis02-2579	250	6	vif	vif	NOUN
ajis02-2579	250	7	among	among	ADP
ajis02-2579	250	8	the	the	DET
ajis02-2579	250	9	exogenous	exogenous	ADJ
ajis02-2579	250	10	variables	variable	NOUN
ajis02-2579	250	11	australasian	australasian	ADJ
ajis02-2579	250	12	journal	journal	NOUN
ajis02-2579	250	13	of	of	ADP
ajis02-2579	250	14	information	information	NOUN
ajis02-2579	250	15	systems	system	NOUN
ajis02-2579	250	16	alhassan	alhassan	PROPN
ajis02-2579	250	17	,	,	PUNCT
ajis02-2579	250	18	li	li	PROPN
ajis02-2579	250	19	,	,	PUNCT
ajis02-2579	250	20	reddy	reddy	PROPN
ajis02-2579	250	21	&	&	CCONJ
ajis02-2579	250	22	duppati	duppati	PROPN
ajis02-2579	250	23	2020	2020	NUM
ajis02-2579	250	24	,	,	PUNCT
ajis02-2579	250	25	vol	vol	NOUN
ajis02-2579	250	26	24	24	NUM
ajis02-2579	250	27	,	,	PUNCT
ajis02-2579	250	28	research	research	NOUN
ajis02-2579	250	29	article	article	NOUN
ajis02-2579	250	30	consumer	consumer	NOUN
ajis02-2579	250	31	acceptance	acceptance	NOUN
ajis02-2579	250	32	and	and	CCONJ
ajis02-2579	250	33	continuance	continuance	NOUN
ajis02-2579	250	34	of	of	ADP
ajis02-2579	250	35	mobile	mobile	ADJ
ajis02-2579	250	36	money	money	NOUN
ajis02-2579	250	37	15	15	NUM
ajis02-2579	250	38	since	since	SCONJ
ajis02-2579	250	39	measurement	measurement	NOUN
ajis02-2579	250	40	scales	scale	NOUN
ajis02-2579	250	41	can	can	AUX
ajis02-2579	250	42	affect	affect	VERB
ajis02-2579	250	43	the	the	DET
ajis02-2579	250	44	results	result	NOUN
ajis02-2579	250	45	of	of	ADP
ajis02-2579	250	46	the	the	DET
ajis02-2579	250	47	estimation	estimation	NOUN
ajis02-2579	250	48	of	of	ADP
ajis02-2579	250	49	the	the	DET
ajis02-2579	250	50	sample	sample	NOUN
ajis02-2579	250	51	if	if	SCONJ
ajis02-2579	250	52	items	item	NOUN
ajis02-2579	250	53	are	be	AUX
ajis02-2579	250	54	found	find	VERB
ajis02-2579	250	55	to	to	PART
ajis02-2579	250	56	be	be	AUX
ajis02-2579	250	57	highly	highly	ADV
ajis02-2579	250	58	correlated	correlate	VERB
ajis02-2579	250	59	with	with	ADP
ajis02-2579	250	60	each	each	DET
ajis02-2579	250	61	other	other	ADJ
ajis02-2579	250	62	,	,	PUNCT
ajis02-2579	250	63	we	we	PRON
ajis02-2579	250	64	test	test	VERB
ajis02-2579	250	65	the	the	DET
ajis02-2579	250	66	scale	scale	NOUN
ajis02-2579	250	67	of	of	ADP
ajis02-2579	250	68	reliability	reliability	NOUN
ajis02-2579	250	69	for	for	ADP
ajis02-2579	250	70	the	the	DET
ajis02-2579	250	71	consistency	consistency	NOUN
ajis02-2579	250	72	of	of	ADP
ajis02-2579	250	73	the	the	DET
ajis02-2579	250	74	data	datum	NOUN
ajis02-2579	250	75	and	and	CCONJ
ajis02-2579	250	76	items	item	NOUN
ajis02-2579	250	77	in	in	ADP
ajis02-2579	250	78	our	our	PRON
ajis02-2579	250	79	sample	sample	NOUN
ajis02-2579	250	80	by	by	ADP
ajis02-2579	250	81	looking	look	VERB
ajis02-2579	250	82	at	at	ADP
ajis02-2579	250	83	the	the	DET
ajis02-2579	250	84	detailed	detailed	ADJ
ajis02-2579	250	85	information	information	NOUN
ajis02-2579	250	86	of	of	ADP
ajis02-2579	250	87	the	the	DET
ajis02-2579	250	88	cronbach	cronbach	NOUN
ajis02-2579	250	89	’s	’s	PART
ajis02-2579	250	90	alpha	alpha	NOUN
ajis02-2579	250	91	of	of	ADP
ajis02-2579	250	92	the	the	DET
ajis02-2579	250	93	12	12	NUM
ajis02-2579	250	94	items	item	NOUN
ajis02-2579	250	95	used	use	VERB
ajis02-2579	250	96	.	.	PUNCT
ajis02-2579	251	1	as	as	SCONJ
ajis02-2579	251	2	shown	show	VERB
ajis02-2579	251	3	in	in	ADP
ajis02-2579	251	4	table	table	NOUN
ajis02-2579	251	5	3	3	NUM
ajis02-2579	251	6	,	,	PUNCT
ajis02-2579	251	7	the	the	DET
ajis02-2579	251	8	item	item	NOUN
ajis02-2579	251	9	-	-	PUNCT
ajis02-2579	251	10	test	test	NOUN
ajis02-2579	251	11	correlation	correlation	NOUN
ajis02-2579	251	12	and	and	CCONJ
ajis02-2579	251	13	the	the	DET
ajis02-2579	251	14	item	item	NOUN
ajis02-2579	251	15	-	-	PUNCT
ajis02-2579	251	16	rest	rest	NOUN
ajis02-2579	251	17	correlation	correlation	NOUN
ajis02-2579	251	18	all	all	PRON
ajis02-2579	251	19	produce	produce	VERB
ajis02-2579	251	20	figures	figure	NOUN
ajis02-2579	251	21	that	that	PRON
ajis02-2579	251	22	are	be	AUX
ajis02-2579	251	23	within	within	ADP
ajis02-2579	251	24	limits	limit	NOUN
ajis02-2579	251	25	of	of	ADP
ajis02-2579	251	26	0.8	0.8	NUM
ajis02-2579	251	27	.	.	PUNCT
ajis02-2579	252	1	the	the	DET
ajis02-2579	252	2	overall	overall	ADJ
ajis02-2579	252	3	α	α	NOUN
ajis02-2579	252	4	of	of	ADP
ajis02-2579	252	5	0.8	0.8	NUM
ajis02-2579	252	6	is	be	AUX
ajis02-2579	252	7	an	an	DET
ajis02-2579	252	8	indication	indication	NOUN
ajis02-2579	252	9	that	that	SCONJ
ajis02-2579	252	10	items	item	NOUN
ajis02-2579	252	11	in	in	ADP
ajis02-2579	252	12	the	the	DET
ajis02-2579	252	13	model	model	NOUN
ajis02-2579	252	14	are	be	AUX
ajis02-2579	252	15	reliable	reliable	ADJ
ajis02-2579	252	16	and	and	CCONJ
ajis02-2579	252	17	consistent	consistent	ADJ
ajis02-2579	252	18	with	with	ADP
ajis02-2579	252	19	providing	provide	VERB
ajis02-2579	252	20	stable	stable	ADJ
ajis02-2579	252	21	results	result	NOUN
ajis02-2579	252	22	.	.	PUNCT
ajis02-2579	253	1	item	item	NOUN
ajis02-2579	253	2	obs	obs	PROPN
ajis02-2579	253	3	sign	sign	VERB
ajis02-2579	253	4	item	item	NOUN
ajis02-2579	253	5	-	-	PUNCT
ajis02-2579	253	6	test	test	NOUN
ajis02-2579	253	7	correlation	correlation	NOUN
ajis02-2579	253	8	item	item	NOUN
ajis02-2579	253	9	-	-	PUNCT
ajis02-2579	253	10	rest	rest	NOUN
ajis02-2579	253	11	correlation	correlation	NOUN
ajis02-2579	253	12	inter	inter	NOUN
ajis02-2579	253	13	item	item	NOUN
ajis02-2579	253	14	correlation	correlation	NOUN
ajis02-2579	253	15	alpha	alpha	NOUN
ajis02-2579	253	16	perceived	perceive	VERB
ajis02-2579	253	17	intention	intention	NOUN
ajis02-2579	253	18	40	40	NUM
ajis02-2579	253	19	+	+	SYM
ajis02-2579	253	20	.79	.79	NUM
ajis02-2579	253	21	.72	.72	NUM
ajis02-2579	253	22	.23	.23	NUM
ajis02-2579	253	23	.75	.75	NUM
ajis02-2579	253	24	perceived	perceive	VERB
ajis02-2579	253	25	attitude	attitude	NOUN
ajis02-2579	253	26	40	40	NUM
ajis02-2579	253	27	+	+	CCONJ
ajis02-2579	253	28	.72	.72	NUM
ajis02-2579	253	29	.76	.76	NUM
ajis02-2579	253	30	.23	.23	NUM
ajis02-2579	253	31	.75	.75	NUM
ajis02-2579	253	32	antecedents	antecedent	NOUN
ajis02-2579	253	33	of	of	ADP
ajis02-2579	253	34	perceived	perceive	VERB
ajis02-2579	253	35	usefulness	usefulness	NOUN
ajis02-2579	253	36	rural	rural	ADJ
ajis02-2579	253	37	40	40	NUM
ajis02-2579	253	38	.52	.52	NUM
ajis02-2579	253	39	.56	.56	NUM
ajis02-2579	253	40	.28	.28	NUM
ajis02-2579	253	41	.74	.74	NUM
ajis02-2579	253	42	cost	cost	VERB
ajis02-2579	253	43	40	40	NUM
ajis02-2579	253	44	.58	.58	NUM
ajis02-2579	253	45	.46	.46	NUM
ajis02-2579	253	46	.26	.26	NUM
ajis02-2579	253	47	.78	.78	NUM
ajis02-2579	253	48	antecedents	antecedent	NOUN
ajis02-2579	253	49	of	of	ADP
ajis02-2579	253	50	perceived	perceive	VERB
ajis02-2579	253	51	ease	ease	NOUN
ajis02-2579	253	52	of	of	ADP
ajis02-2579	253	53	use	use	NOUN
ajis02-2579	253	54	ubiquity	ubiquity	NOUN
ajis02-2579	253	55	/	/	SYM
ajis02-2579	253	56	power	power	NOUN
ajis02-2579	253	57	40	40	NUM
ajis02-2579	253	58	+	+	CCONJ
ajis02-2579	253	59	.71	.71	NUM
ajis02-2579	253	60	.75	.75	NUM
ajis02-2579	253	61	.23	.23	NUM
ajis02-2579	253	62	.75	.75	NUM
ajis02-2579	253	63	regulation	regulation	NOUN
ajis02-2579	253	64	40	40	NUM
ajis02-2579	253	65	+	+	CCONJ
ajis02-2579	253	66	.64	.64	NUM
ajis02-2579	253	67	.54	.54	NUM
ajis02-2579	253	68	.25	.25	NUM
ajis02-2579	253	69	.77	.77	NUM
ajis02-2579	253	70	education	education	NOUN
ajis02-2579	253	71	40	40	NUM
ajis02-2579	253	72	+	+	CCONJ
ajis02-2579	253	73	.78	.78	NUM
ajis02-2579	253	74	.73	.73	NUM
ajis02-2579	253	75	.23	.23	NUM
ajis02-2579	253	76	.75	.75	NUM
ajis02-2579	253	77	gender	gender	NOUN
ajis02-2579	253	78	40	40	NUM
ajis02-2579	253	79	.24	.24	NUM
ajis02-2579	253	80	.08	.08	NUM
ajis02-2579	253	81	.31	.31	NUM
ajis02-2579	253	82	.82	.82	NUM
ajis02-2579	253	83	control	control	NOUN
ajis02-2579	253	84	variables	variable	NOUN
ajis02-2579	253	85	age	age	NOUN
ajis02-2579	253	86	40	40	NUM
ajis02-2579	253	87	.30	.30	NUM
ajis02-2579	253	88	.14	.14	NUM
ajis02-2579	253	89	.30	.30	NUM
ajis02-2579	253	90	.81	.81	NUM
ajis02-2579	253	91	income	income	NOUN
ajis02-2579	253	92	40	40	NUM
ajis02-2579	253	93	.32	.32	NUM
ajis02-2579	253	94	.17	.17	NUM
ajis02-2579	253	95	.30	.30	NUM
ajis02-2579	253	96	.81	.81	NUM
ajis02-2579	253	97	provider	provider	NOUN
ajis02-2579	253	98	size	size	NOUN
ajis02-2579	253	99	40	40	NUM
ajis02-2579	254	1	+	+	CCONJ
ajis02-2579	254	2	.68	.68	NUM
ajis02-2579	254	3	.58	.58	NUM
ajis02-2579	254	4	.25	.25	NUM
ajis02-2579	254	5	.77	.77	NUM
ajis02-2579	254	6	marketing	marketing	NOUN
ajis02-2579	254	7	40	40	NUM
ajis02-2579	254	8	+	+	CCONJ
ajis02-2579	254	9	.72	.72	NUM
ajis02-2579	254	10	.68	.68	NUM
ajis02-2579	254	11	.24	.24	NUM
ajis02-2579	254	12	.74	.74	NUM
ajis02-2579	254	13	test	test	NOUN
ajis02-2579	254	14	scale	scale	NOUN
ajis02-2579	254	15	.26	.26	NUM
ajis02-2579	254	16	.80	.80	NUM
ajis02-2579	254	17	notes	note	NOUN
ajis02-2579	254	18	:	:	PUNCT
ajis02-2579	254	19	this	this	DET
ajis02-2579	254	20	table	table	NOUN
ajis02-2579	254	21	presents	present	VERB
ajis02-2579	254	22	the	the	DET
ajis02-2579	254	23	estimation	estimation	NOUN
ajis02-2579	254	24	results	result	NOUN
ajis02-2579	254	25	of	of	ADP
ajis02-2579	254	26	the	the	DET
ajis02-2579	254	27	scale	scale	NOUN
ajis02-2579	254	28	reliability	reliability	NOUN
ajis02-2579	254	29	test	test	NOUN
ajis02-2579	254	30	.	.	PUNCT
ajis02-2579	255	1	the	the	DET
ajis02-2579	255	2	standardised	standardised	ADJ
ajis02-2579	255	3	cronbach	cronbach	NOUN
ajis02-2579	255	4	’s	’s	PART
ajis02-2579	255	5	alpha	alpha	NOUN
ajis02-2579	255	6	for	for	ADP
ajis02-2579	255	7	the	the	DET
ajis02-2579	255	8	scale	scale	NOUN
ajis02-2579	255	9	reliability	reliability	NOUN
ajis02-2579	255	10	is	be	AUX
ajis02-2579	255	11	found	find	VERB
ajis02-2579	255	12	through	through	ADP
ajis02-2579	255	13	the	the	DET
ajis02-2579	255	14	equation	equation	NOUN
ajis02-2579	255	15	𝛼𝑠𝑡𝑎𝑛𝑑𝑎𝑟𝑑𝑖𝑠𝑒𝑑	𝛼𝑠𝑡𝑎𝑛𝑑𝑎𝑟𝑑𝑖𝑠𝑒𝑑	VERB
ajis02-2579	255	16	=	=	SYM
ajis02-2579	256	1	𝐾𝜗	𝐾𝜗	PROPN
ajis02-2579	256	2	(	(	PUNCT
ajis02-2579	256	3	1+(𝐾−1)𝜗	1+(𝐾−1)𝜗	NUM
ajis02-2579	256	4	)	)	PUNCT
ajis02-2579	256	5	,	,	PUNCT
ajis02-2579	256	6	where	where	SCONJ
ajis02-2579	256	7	k	k	PROPN
ajis02-2579	256	8	is	be	AUX
ajis02-2579	256	9	the	the	DET
ajis02-2579	256	10	number	number	NOUN
ajis02-2579	256	11	of	of	ADP
ajis02-2579	256	12	items	item	NOUN
ajis02-2579	256	13	,	,	PUNCT
ajis02-2579	256	14	𝜗	𝜗	PROPN
ajis02-2579	256	15	is	be	AUX
ajis02-2579	256	16	the	the	DET
ajis02-2579	256	17	average	average	ADJ
ajis02-2579	256	18	inter	inter	ADJ
ajis02-2579	256	19	-	-	ADJ
ajis02-2579	256	20	item	item	ADJ
ajis02-2579	256	21	correlation	correlation	NOUN
ajis02-2579	256	22	,	,	PUNCT
ajis02-2579	256	23	that	that	PRON
ajis02-2579	256	24	is	be	AUX
ajis02-2579	256	25	the	the	DET
ajis02-2579	256	26	mean	mean	NOUN
ajis02-2579	256	27	of	of	ADP
ajis02-2579	256	28	k	k	PROPN
ajis02-2579	256	29	(	(	PUNCT
ajis02-2579	256	30	k-1)/2	k-1)/2	PROPN
ajis02-2579	256	31	coefficients	coefficient	VERB
ajis02-2579	256	32	in	in	ADP
ajis02-2579	256	33	the	the	DET
ajis02-2579	256	34	upper	upper	ADJ
ajis02-2579	256	35	triangular	triangular	NOUN
ajis02-2579	256	36	correlation	correlation	NOUN
ajis02-2579	256	37	matrix	matrix	NOUN
ajis02-2579	256	38	.	.	PUNCT
ajis02-2579	257	1	the	the	DET
ajis02-2579	257	2	table	table	NOUN
ajis02-2579	257	3	measures	measure	VERB
ajis02-2579	257	4	the	the	DET
ajis02-2579	257	5	internal	internal	ADJ
ajis02-2579	257	6	consistency	consistency	NOUN
ajis02-2579	257	7	of	of	ADP
ajis02-2579	257	8	the	the	DET
ajis02-2579	257	9	12	12	NUM
ajis02-2579	257	10	items	item	NOUN
ajis02-2579	257	11	,	,	PUNCT
ajis02-2579	257	12	showing	show	VERB
ajis02-2579	257	13	how	how	SCONJ
ajis02-2579	257	14	closely	closely	ADV
ajis02-2579	257	15	related	relate	VERB
ajis02-2579	257	16	the	the	DET
ajis02-2579	257	17	items	item	NOUN
ajis02-2579	257	18	are	be	AUX
ajis02-2579	257	19	as	as	ADP
ajis02-2579	257	20	a	a	DET
ajis02-2579	257	21	group	group	NOUN
ajis02-2579	257	22	.	.	PUNCT
ajis02-2579	258	1	item	item	NOUN
ajis02-2579	258	2	-	-	PUNCT
ajis02-2579	258	3	test	test	NOUN
ajis02-2579	258	4	and	and	CCONJ
ajis02-2579	258	5	item	item	NOUN
ajis02-2579	258	6	-	-	PUNCT
ajis02-2579	258	7	rest	rest	NOUN
ajis02-2579	258	8	correlations	correlation	NOUN
ajis02-2579	258	9	show	show	VERB
ajis02-2579	258	10	values	value	NOUN
ajis02-2579	258	11	below	below	ADP
ajis02-2579	258	12	.8	.8	PROPN
ajis02-2579	258	13	are	be	AUX
ajis02-2579	258	14	reliable	reliable	ADJ
ajis02-2579	258	15	and	and	CCONJ
ajis02-2579	258	16	consistent	consistent	ADJ
ajis02-2579	258	17	.	.	PUNCT
ajis02-2579	259	1	the	the	DET
ajis02-2579	259	2	alpha	alpha	NOUN
ajis02-2579	259	3	of	of	ADP
ajis02-2579	259	4	.8	.8	PROPN
ajis02-2579	259	5	suggests	suggest	VERB
ajis02-2579	259	6	that	that	SCONJ
ajis02-2579	259	7	the	the	DET
ajis02-2579	259	8	items	item	NOUN
ajis02-2579	259	9	have	have	VERB
ajis02-2579	259	10	high	high	ADJ
ajis02-2579	259	11	internal	internal	ADJ
ajis02-2579	259	12	consistency	consistency	NOUN
ajis02-2579	259	13	.	.	PUNCT
ajis02-2579	260	1	the	the	DET
ajis02-2579	260	2	standardised	standardised	ADJ
ajis02-2579	260	3	values	value	NOUN
ajis02-2579	260	4	are	be	AUX
ajis02-2579	260	5	important	important	ADJ
ajis02-2579	260	6	as	as	SCONJ
ajis02-2579	260	7	it	it	PRON
ajis02-2579	260	8	helps	help	VERB
ajis02-2579	260	9	in	in	ADP
ajis02-2579	260	10	supporting	support	VERB
ajis02-2579	260	11	the	the	DET
ajis02-2579	260	12	hypotheses	hypothesis	NOUN
ajis02-2579	260	13	tested	test	VERB
ajis02-2579	260	14	.	.	PUNCT
ajis02-2579	261	1	table	table	NOUN
ajis02-2579	261	2	3	3	NUM
ajis02-2579	261	3	.	.	PUNCT
ajis02-2579	261	4	scale	scale	NOUN
ajis02-2579	261	5	reliability	reliability	NOUN
ajis02-2579	261	6	test	test	NOUN
ajis02-2579	261	7	of	of	ADP
ajis02-2579	261	8	standardised	standardised	ADJ
ajis02-2579	261	9	items	item	NOUN
ajis02-2579	261	10	as	as	SCONJ
ajis02-2579	261	11	shown	show	VERB
ajis02-2579	261	12	in	in	ADP
ajis02-2579	261	13	table	table	NOUN
ajis02-2579	261	14	4	4	NUM
ajis02-2579	261	15	,	,	PUNCT
ajis02-2579	261	16	all	all	PRON
ajis02-2579	261	17	our	our	PRON
ajis02-2579	261	18	hypotheses	hypothesis	NOUN
ajis02-2579	261	19	are	be	AUX
ajis02-2579	261	20	supported	support	VERB
ajis02-2579	261	21	in	in	ADP
ajis02-2579	261	22	the	the	DET
ajis02-2579	261	23	model	model	NOUN
ajis02-2579	261	24	.	.	PUNCT
ajis02-2579	262	1	for	for	ADP
ajis02-2579	262	2	the	the	DET
ajis02-2579	262	3	control	control	NOUN
ajis02-2579	262	4	variables	variable	NOUN
ajis02-2579	262	5	,	,	PUNCT
ajis02-2579	262	6	age	age	NOUN
ajis02-2579	262	7	and	and	CCONJ
ajis02-2579	262	8	income	income	NOUN
ajis02-2579	262	9	are	be	AUX
ajis02-2579	262	10	not	not	PART
ajis02-2579	262	11	significant	significant	ADJ
ajis02-2579	262	12	,	,	PUNCT
ajis02-2579	262	13	but	but	CCONJ
ajis02-2579	262	14	the	the	DET
ajis02-2579	262	15	size	size	NOUN
ajis02-2579	262	16	and	and	CCONJ
ajis02-2579	262	17	marketing	marketing	NOUN
ajis02-2579	262	18	strategies	strategy	NOUN
ajis02-2579	262	19	of	of	ADP
ajis02-2579	262	20	mobile	mobile	ADJ
ajis02-2579	262	21	money	money	NOUN
ajis02-2579	262	22	providers	provider	NOUN
ajis02-2579	262	23	show	show	VERB
ajis02-2579	262	24	significant	significant	ADJ
ajis02-2579	262	25	values	value	NOUN
ajis02-2579	262	26	.	.	PUNCT
ajis02-2579	263	1	the	the	DET
ajis02-2579	263	2	r2	r2	PROPN
ajis02-2579	263	3	values	value	NOUN
ajis02-2579	263	4	are	be	AUX
ajis02-2579	263	5	substantial	substantial	ADJ
ajis02-2579	263	6	for	for	ADP
ajis02-2579	263	7	perceived	perceive	VERB
ajis02-2579	263	8	usefulness	usefulness	NOUN
ajis02-2579	263	9	(	(	PUNCT
ajis02-2579	263	10	r2	r2	PROPN
ajis02-2579	263	11	=	=	SYM
ajis02-2579	263	12	0.677	0.677	NUM
ajis02-2579	263	13	)	)	PUNCT
ajis02-2579	263	14	,	,	PUNCT
ajis02-2579	263	15	attitudes	attitude	NOUN
ajis02-2579	263	16	towards	towards	ADP
ajis02-2579	263	17	adoption	adoption	NOUN
ajis02-2579	263	18	(	(	PUNCT
ajis02-2579	263	19	r2	r2	NOUN
ajis02-2579	263	20	=	=	SYM
ajis02-2579	263	21	0.691	0.691	NUM
ajis02-2579	263	22	)	)	PUNCT
ajis02-2579	263	23	,	,	PUNCT
ajis02-2579	263	24	perceived	perceive	VERB
ajis02-2579	263	25	ease	ease	NOUN
ajis02-2579	263	26	of	of	ADP
ajis02-2579	263	27	use	use	NOUN
ajis02-2579	263	28	(	(	PUNCT
ajis02-2579	263	29	r2	r2	NOUN
ajis02-2579	263	30	=	=	NOUN
ajis02-2579	263	31	0.785	0.785	NUM
ajis02-2579	263	32	)	)	PUNCT
ajis02-2579	263	33	,	,	PUNCT
ajis02-2579	263	34	and	and	CCONJ
ajis02-2579	263	35	intentions	intention	NOUN
ajis02-2579	263	36	to	to	PART
ajis02-2579	263	37	continue	continue	VERB
ajis02-2579	263	38	using	use	VERB
ajis02-2579	263	39	mobile	mobile	ADJ
ajis02-2579	263	40	money	money	NOUN
ajis02-2579	263	41	(	(	PUNCT
ajis02-2579	263	42	r2	r2	NOUN
ajis02-2579	263	43	=	=	PUNCT
ajis02-2579	263	44	0.683	0.683	NUM
ajis02-2579	263	45	)	)	PUNCT
ajis02-2579	263	46	.	.	PUNCT
ajis02-2579	264	1	the	the	DET
ajis02-2579	264	2	results	result	NOUN
ajis02-2579	264	3	show	show	VERB
ajis02-2579	264	4	that	that	SCONJ
ajis02-2579	264	5	,	,	PUNCT
ajis02-2579	264	6	together	together	ADV
ajis02-2579	264	7	,	,	PUNCT
ajis02-2579	264	8	rural	rural	ADJ
ajis02-2579	264	9	dwelling	dwelling	NOUN
ajis02-2579	264	10	and	and	CCONJ
ajis02-2579	264	11	costs	cost	NOUN
ajis02-2579	264	12	explained	explain	VERB
ajis02-2579	264	13	67.7	67.7	NUM
ajis02-2579	264	14	%	%	NOUN
ajis02-2579	264	15	of	of	ADP
ajis02-2579	264	16	the	the	DET
ajis02-2579	264	17	total	total	ADJ
ajis02-2579	264	18	variance	variance	NOUN
ajis02-2579	264	19	in	in	ADP
ajis02-2579	264	20	perceived	perceive	VERB
ajis02-2579	264	21	usefulness	usefulness	NOUN
ajis02-2579	264	22	,	,	PUNCT
ajis02-2579	264	23	while	while	SCONJ
ajis02-2579	264	24	ubiquity/	ubiquity/	NUM
ajis02-2579	264	25	power	power	NOUN
ajis02-2579	264	26	supply	supply	NOUN
ajis02-2579	264	27	,	,	PUNCT
ajis02-2579	264	28	regulation	regulation	NOUN
ajis02-2579	264	29	,	,	PUNCT
ajis02-2579	264	30	education	education	NOUN
ajis02-2579	264	31	and	and	CCONJ
ajis02-2579	264	32	gender	gender	NOUN
ajis02-2579	264	33	explained	explain	VERB
ajis02-2579	264	34	78.5	78.5	NUM
ajis02-2579	264	35	%	%	NOUN
ajis02-2579	264	36	of	of	ADP
ajis02-2579	264	37	the	the	DET
ajis02-2579	264	38	variance	variance	NOUN
ajis02-2579	264	39	in	in	ADP
ajis02-2579	264	40	perceptions	perception	NOUN
ajis02-2579	264	41	of	of	ADP
ajis02-2579	264	42	mobile	mobile	ADJ
ajis02-2579	264	43	money	money	NOUN
ajis02-2579	264	44	as	as	ADP
ajis02-2579	264	45	easy	easy	ADJ
ajis02-2579	264	46	to	to	PART
ajis02-2579	264	47	use	use	VERB
ajis02-2579	264	48	.	.	PUNCT
ajis02-2579	265	1	moreover	moreover	ADV
ajis02-2579	265	2	,	,	PUNCT
ajis02-2579	265	3	69.1	69.1	NUM
ajis02-2579	265	4	%	%	NOUN
ajis02-2579	265	5	of	of	ADP
ajis02-2579	265	6	the	the	DET
ajis02-2579	265	7	variance	variance	NOUN
ajis02-2579	265	8	in	in	ADP
ajis02-2579	265	9	attitudes	attitude	NOUN
ajis02-2579	265	10	towards	towards	ADP
ajis02-2579	265	11	adoption	adoption	NOUN
ajis02-2579	265	12	is	be	AUX
ajis02-2579	265	13	explained	explain	VERB
ajis02-2579	265	14	.	.	PUNCT
ajis02-2579	266	1	68.3	68.3	NUM
ajis02-2579	266	2	%	%	NOUN
ajis02-2579	266	3	of	of	ADP
ajis02-2579	266	4	the	the	DET
ajis02-2579	266	5	variance	variance	NOUN
ajis02-2579	266	6	in	in	ADP
ajis02-2579	266	7	intentions	intention	NOUN
ajis02-2579	266	8	to	to	PART
ajis02-2579	266	9	adopt	adopt	VERB
ajis02-2579	266	10	and	and	CCONJ
ajis02-2579	266	11	to	to	PART
ajis02-2579	266	12	keep	keep	VERB
ajis02-2579	266	13	using	use	VERB
ajis02-2579	266	14	mobile	mobile	ADJ
ajis02-2579	266	15	money	money	NOUN
ajis02-2579	266	16	is	be	AUX
ajis02-2579	266	17	explained	explain	VERB
ajis02-2579	266	18	.	.	PUNCT
ajis02-2579	267	1	the	the	DET
ajis02-2579	267	2	results	result	NOUN
ajis02-2579	267	3	of	of	ADP
ajis02-2579	267	4	these	these	DET
ajis02-2579	267	5	r2	r2	PROPN
ajis02-2579	267	6	statistics	statistic	NOUN
ajis02-2579	267	7	indicate	indicate	VERB
ajis02-2579	267	8	that	that	SCONJ
ajis02-2579	267	9	the	the	DET
ajis02-2579	267	10	structural	structural	ADJ
ajis02-2579	267	11	model	model	NOUN
ajis02-2579	267	12	developed	develop	VERB
ajis02-2579	267	13	in	in	ADP
ajis02-2579	267	14	this	this	DET
ajis02-2579	267	15	study	study	NOUN
ajis02-2579	267	16	has	have	VERB
ajis02-2579	267	17	an	an	DET
ajis02-2579	267	18	acceptable	acceptable	ADJ
ajis02-2579	267	19	level	level	NOUN
ajis02-2579	267	20	of	of	ADP
ajis02-2579	267	21	predictive	predictive	ADJ
ajis02-2579	267	22	accuracy	accuracy	NOUN
ajis02-2579	267	23	as	as	SCONJ
ajis02-2579	267	24	seen	see	VERB
ajis02-2579	267	25	in	in	ADP
ajis02-2579	267	26	figure	figure	NOUN
ajis02-2579	267	27	2	2	NUM
ajis02-2579	267	28	.	.	PUNCT
ajis02-2579	267	29	australasian	australasian	ADJ
ajis02-2579	267	30	journal	journal	NOUN
ajis02-2579	267	31	of	of	ADP
ajis02-2579	267	32	information	information	NOUN
ajis02-2579	267	33	systems	system	NOUN
ajis02-2579	267	34	alhassan	alhassan	PROPN
ajis02-2579	267	35	,	,	PUNCT
ajis02-2579	267	36	li	li	PROPN
ajis02-2579	267	37	,	,	PUNCT
ajis02-2579	267	38	reddy	reddy	PROPN
ajis02-2579	267	39	&	&	CCONJ
ajis02-2579	267	40	duppati	duppati	PROPN
ajis02-2579	267	41	2020	2020	NUM
ajis02-2579	267	42	,	,	PUNCT
ajis02-2579	267	43	vol	vol	NOUN
ajis02-2579	267	44	24	24	NUM
ajis02-2579	267	45	,	,	PUNCT
ajis02-2579	267	46	research	research	NOUN
ajis02-2579	267	47	article	article	NOUN
ajis02-2579	267	48	consumer	consumer	NOUN
ajis02-2579	267	49	acceptance	acceptance	NOUN
ajis02-2579	267	50	and	and	CCONJ
ajis02-2579	267	51	continuance	continuance	NOUN
ajis02-2579	267	52	of	of	ADP
ajis02-2579	267	53	mobile	mobile	ADJ
ajis02-2579	267	54	money	money	NOUN
ajis02-2579	267	55	16	16	NUM
ajis02-2579	267	56	examined	examine	VERB
ajis02-2579	267	57	variable	variable	ADJ
ajis02-2579	267	58	sem	sem	PROPN
ajis02-2579	267	59	coeff	coeff	PROPN
ajis02-2579	267	60	chi	chi	PROPN
ajis02-2579	267	61	-	-	PUNCT
ajis02-2579	267	62	statistics	statistics	PROPN
ajis02-2579	267	63	remark	remark	PROPN
ajis02-2579	267	64	𝐻1	𝐻1	PROPN
ajis02-2579	267	65	:	:	PUNCT
ajis02-2579	267	66	attitude	attitude	NOUN
ajis02-2579	267	67	towards	towards	ADP
ajis02-2579	267	68	adoption	adoption	NOUN
ajis02-2579	267	69	.51	.51	NUM
ajis02-2579	267	70	*	*	PUNCT
ajis02-2579	267	71	*	*	PUNCT
ajis02-2579	267	72	*	*	PUNCT
ajis02-2579	267	73	χ2=	χ2=	NOUN
ajis02-2579	267	74	.72	.72	NUM
ajis02-2579	267	75	accepted	accept	VERB
ajis02-2579	267	76	(	(	PUNCT
ajis02-2579	267	77	4.21	4.21	NUM
ajis02-2579	267	78	)	)	PUNCT
ajis02-2579	267	79	df	df	NOUN
ajis02-2579	267	80	=	=	SYM
ajis02-2579	267	81	1	1	NUM
ajis02-2579	267	82	,	,	PUNCT
ajis02-2579	267	83	p	p	NOUN
ajis02-2579	267	84	=	=	NOUN
ajis02-2579	267	85	.000	.000	NUM
ajis02-2579	267	86	𝐻2	𝐻2	NOUN
ajis02-2579	267	87	:	:	PUNCT
ajis02-2579	267	88	pu	pu	PROPN
ajis02-2579	267	89	.42	.42	NUM
ajis02-2579	267	90	*	*	PUNCT
ajis02-2579	267	91	*	*	PUNCT
ajis02-2579	267	92	*	*	PUNCT
ajis02-2579	267	93	χ2=	χ2=	NOUN
ajis02-2579	267	94	.72	.72	NUM
ajis02-2579	267	95	accepted	accept	VERB
ajis02-2579	267	96	(	(	PUNCT
ajis02-2579	267	97	6.73	6.73	NUM
ajis02-2579	267	98	)	)	PUNCT
ajis02-2579	267	99	df	df	NOUN
ajis02-2579	267	100	=	=	SYM
ajis02-2579	267	101	1	1	NUM
ajis02-2579	267	102	,	,	PUNCT
ajis02-2579	267	103	p	p	NOUN
ajis02-2579	267	104	=	=	SYM
ajis02-2579	267	105	.000	.000	NUM
ajis02-2579	267	106	𝐻3	𝐻3	PROPN
ajis02-2579	267	107	:	:	PUNCT
ajis02-2579	267	108	peou	peou	ADV
ajis02-2579	267	109	.54	.54	NUM
ajis02-2579	267	110	*	*	PUNCT
ajis02-2579	267	111	*	*	PUNCT
ajis02-2579	267	112	*	*	PUNCT
ajis02-2579	267	113	χ2=	χ2=	NOUN
ajis02-2579	267	114	.72	.72	NUM
ajis02-2579	267	115	accepted	accept	VERB
ajis02-2579	267	116	(	(	PUNCT
ajis02-2579	267	117	3.45	3.45	NUM
ajis02-2579	267	118	)	)	PUNCT
ajis02-2579	267	119	df	df	NOUN
ajis02-2579	267	120	=	=	SYM
ajis02-2579	267	121	1	1	NUM
ajis02-2579	267	122	,	,	PUNCT
ajis02-2579	267	123	p	p	NOUN
ajis02-2579	267	124	=	=	SYM
ajis02-2579	267	125	.000	.000	NUM
ajis02-2579	267	126	𝐻4	𝐻4	NOUN
ajis02-2579	267	127	:	:	PUNCT
ajis02-2579	267	128	peou	peou	ADV
ajis02-2579	267	129	ubiquity	ubiquity	ADJ
ajis02-2579	267	130	/	/	SYM
ajis02-2579	267	131	power	power	NOUN
ajis02-2579	267	132	.54	.54	NUM
ajis02-2579	267	133	*	*	PUNCT
ajis02-2579	267	134	*	*	PUNCT
ajis02-2579	267	135	*	*	PUNCT
ajis02-2579	267	136	χ2=	χ2=	NOUN
ajis02-2579	267	137	.79	.79	NUM
ajis02-2579	267	138	accepted	accept	VERB
ajis02-2579	267	139	(	(	PUNCT
ajis02-2579	267	140	6.13	6.13	NUM
ajis02-2579	267	141	)	)	PUNCT
ajis02-2579	267	142	df	df	NOUN
ajis02-2579	267	143	=	=	SYM
ajis02-2579	267	144	1	1	NUM
ajis02-2579	267	145	,	,	PUNCT
ajis02-2579	267	146	p	p	NOUN
ajis02-2579	267	147	=	=	SYM
ajis02-2579	267	148	.000	.000	NUM
ajis02-2579	267	149	𝐻5	𝐻5	NOUN
ajis02-2579	267	150	:	:	PUNCT
ajis02-2579	267	151	pu	pu	PROPN
ajis02-2579	267	152	rural	rural	ADJ
ajis02-2579	267	153	dwelling	dwelling	NOUN
ajis02-2579	267	154	-.39	-.39	PROPN
ajis02-2579	267	155	*	*	PROPN
ajis02-2579	267	156	*	*	PUNCT
ajis02-2579	267	157	*	*	PUNCT
ajis02-2579	267	158	χ2=	χ2=	NOUN
ajis02-2579	267	159	.49	.49	NUM
ajis02-2579	267	160	accepted	accept	VERB
ajis02-2579	267	161	(	(	PUNCT
ajis02-2579	267	162	-5.08	-5.08	NOUN
ajis02-2579	267	163	)	)	PUNCT
ajis02-2579	267	164	df	df	NOUN
ajis02-2579	267	165	=	=	SYM
ajis02-2579	267	166	1	1	NUM
ajis02-2579	267	167	,	,	PUNCT
ajis02-2579	267	168	p	p	NOUN
ajis02-2579	267	169	=	=	NOUN
ajis02-2579	267	170	000	000	NUM
ajis02-2579	267	171	𝐻6	𝐻6	NOUN
ajis02-2579	267	172	:	:	PUNCT
ajis02-2579	267	173	peou	peou	ADV
ajis02-2579	267	174	enabling	enable	VERB
ajis02-2579	267	175	regulation	regulation	NOUN
ajis02-2579	267	176	.33	.33	NUM
ajis02-2579	267	177	*	*	PUNCT
ajis02-2579	267	178	*	*	PUNCT
ajis02-2579	267	179	*	*	PUNCT
ajis02-2579	267	180	χ2=	χ2=	NOUN
ajis02-2579	267	181	.59	.59	NUM
ajis02-2579	267	182	accepted	accept	VERB
ajis02-2579	267	183	(	(	PUNCT
ajis02-2579	267	184	7.20	7.20	NUM
ajis02-2579	267	185	)	)	PUNCT
ajis02-2579	267	186	df	df	NOUN
ajis02-2579	267	187	=	=	SYM
ajis02-2579	267	188	1	1	NUM
ajis02-2579	267	189	,	,	PUNCT
ajis02-2579	267	190	p	p	NOUN
ajis02-2579	267	191	=	=	SYM
ajis02-2579	267	192	.000	.000	NUM
ajis02-2579	267	193	𝐻7	𝐻7	NOUN
ajis02-2579	267	194	:	:	PUNCT
ajis02-2579	267	195	pu	pu	PROPN
ajis02-2579	267	196	cost	cost	VERB
ajis02-2579	267	197	.17	.17	NUM
ajis02-2579	267	198	*	*	PUNCT
ajis02-2579	267	199	*	*	PUNCT
ajis02-2579	267	200	χ2=	χ2=	NOUN
ajis02-2579	267	201	.68	.68	NUM
ajis02-2579	267	202	accepted	accept	VERB
ajis02-2579	267	203	(	(	PUNCT
ajis02-2579	267	204	4.09	4.09	NUM
ajis02-2579	267	205	)	)	PUNCT
ajis02-2579	267	206	df	df	NOUN
ajis02-2579	267	207	=	=	SYM
ajis02-2579	267	208	1	1	NUM
ajis02-2579	267	209	,	,	PUNCT
ajis02-2579	267	210	p	p	NOUN
ajis02-2579	267	211	=	=	SYM
ajis02-2579	267	212	.005	.005	NUM
ajis02-2579	267	213	𝐻8	𝐻8	NOUN
ajis02-2579	267	214	:	:	PUNCT
ajis02-2579	267	215	peou	peou	PROPN
ajis02-2579	267	216	education	education	NOUN
ajis02-2579	267	217	.24	.24	NUM
ajis02-2579	267	218	*	*	PUNCT
ajis02-2579	267	219	*	*	PUNCT
ajis02-2579	267	220	*	*	PUNCT
ajis02-2579	267	221	χ2=	χ2=	NOUN
ajis02-2579	267	222	.61	.61	NUM
ajis02-2579	267	223	accepted	accept	VERB
ajis02-2579	267	224	(	(	PUNCT
ajis02-2579	267	225	3.55	3.55	NUM
ajis02-2579	267	226	)	)	PUNCT
ajis02-2579	267	227	df	df	NOUN
ajis02-2579	267	228	=	=	SYM
ajis02-2579	267	229	1	1	NUM
ajis02-2579	267	230	,	,	PUNCT
ajis02-2579	267	231	p	p	NOUN
ajis02-2579	267	232	=	=	NOUN
ajis02-2579	267	233	.000	.000	NUM
ajis02-2579	267	234	𝐻9	𝐻9	NOUN
ajis02-2579	267	235	:	:	PUNCT
ajis02-2579	267	236	peou	peou	ADV
ajis02-2579	267	237	gender	gender	NOUN
ajis02-2579	267	238	(	(	PUNCT
ajis02-2579	267	239	female	female	NOUN
ajis02-2579	267	240	)	)	PUNCT
ajis02-2579	267	241	-.02	-.02	PUNCT
ajis02-2579	267	242	*	*	PUNCT
ajis02-2579	267	243	χ2=	χ2=	NOUN
ajis02-2579	267	244	.37	.37	NUM
ajis02-2579	267	245	accepted	accept	VERB
ajis02-2579	267	246	(	(	PUNCT
ajis02-2579	267	247	-0.57	-0.57	X
ajis02-2579	267	248	)	)	PUNCT
ajis02-2579	267	249	df	df	NOUN
ajis02-2579	267	250	=	=	SYM
ajis02-2579	267	251	1	1	NUM
ajis02-2579	267	252	,	,	PUNCT
ajis02-2579	267	253	p	p	NOUN
ajis02-2579	267	254	=	=	SYM
ajis02-2579	267	255	.641	.641	NUM
ajis02-2579	267	256	control	control	NOUN
ajis02-2579	267	257	variables	variable	VERB
ajis02-2579	267	258	age	age	NOUN
ajis02-2579	267	259	-.01ns	-.01ns	PUNCT
ajis02-2579	267	260	not	not	PART
ajis02-2579	267	261	accepted	accept	VERB
ajis02-2579	267	262	income	income	NOUN
ajis02-2579	267	263	-.03ns	-.03ns	PUNCT
ajis02-2579	267	264	not	not	PART
ajis02-2579	267	265	accepted	accept	VERB
ajis02-2579	267	266	provider	provider	NOUN
ajis02-2579	267	267	size	size	NOUN
ajis02-2579	267	268	.09	.09	NUM
ajis02-2579	267	269	*	*	PUNCT
ajis02-2579	267	270	*	*	PUNCT
ajis02-2579	267	271	*	*	AUX
ajis02-2579	267	272	accepted	accept	VERB
ajis02-2579	267	273	marketing	market	VERB
ajis02-2579	267	274	.08	.08	NUM
ajis02-2579	267	275	*	*	PUNCT
ajis02-2579	267	276	*	*	PUNCT
ajis02-2579	267	277	*	*	PUNCT
ajis02-2579	267	278	accepted	accept	VERB
ajis02-2579	267	279	overall	overall	ADV
ajis02-2579	267	280	𝑅2	𝑅2	ADP
ajis02-2579	267	281	.64	.64	NUM
ajis02-2579	267	282	table	table	NOUN
ajis02-2579	267	283	4	4	NUM
ajis02-2579	267	284	mediation	mediation	NOUN
ajis02-2579	267	285	effects	effect	NOUN
ajis02-2579	267	286	on	on	ADP
ajis02-2579	267	287	individual	individual	ADJ
ajis02-2579	267	288	attitudes	attitude	NOUN
ajis02-2579	267	289	towards	towards	ADP
ajis02-2579	267	290	the	the	DET
ajis02-2579	267	291	adoption	adoption	NOUN
ajis02-2579	267	292	of	of	ADP
ajis02-2579	267	293	mobile	mobile	ADJ
ajis02-2579	267	294	money	money	NOUN
ajis02-2579	267	295	in	in	ADP
ajis02-2579	267	296	africa	africa	PROPN
ajis02-2579	267	297	.	.	PUNCT
ajis02-2579	268	1	figure	figure	VERB
ajis02-2579	268	2	2	2	NUM
ajis02-2579	268	3	results	result	NOUN
ajis02-2579	268	4	of	of	ADP
ajis02-2579	268	5	the	the	DET
ajis02-2579	268	6	path	path	NOUN
ajis02-2579	268	7	relations	relation	NOUN
ajis02-2579	268	8	in	in	ADP
ajis02-2579	268	9	the	the	DET
ajis02-2579	268	10	research	research	NOUN
ajis02-2579	268	11	mode	mode	NOUN
ajis02-2579	268	12	australasian	australasian	ADJ
ajis02-2579	268	13	journal	journal	NOUN
ajis02-2579	268	14	of	of	ADP
ajis02-2579	268	15	information	information	NOUN
ajis02-2579	268	16	systems	system	NOUN
ajis02-2579	268	17	alhassan	alhassan	PROPN
ajis02-2579	268	18	,	,	PUNCT
ajis02-2579	268	19	li	li	PROPN
ajis02-2579	268	20	,	,	PUNCT
ajis02-2579	268	21	reddy	reddy	PROPN
ajis02-2579	268	22	&	&	CCONJ
ajis02-2579	268	23	duppati	duppati	PROPN
ajis02-2579	268	24	2020	2020	NUM
ajis02-2579	268	25	,	,	PUNCT
ajis02-2579	268	26	vol	vol	NOUN
ajis02-2579	268	27	24	24	NUM
ajis02-2579	268	28	,	,	PUNCT
ajis02-2579	268	29	research	research	NOUN
ajis02-2579	268	30	article	article	NOUN
ajis02-2579	268	31	consumer	consumer	NOUN
ajis02-2579	268	32	acceptance	acceptance	NOUN
ajis02-2579	268	33	and	and	CCONJ
ajis02-2579	268	34	continuance	continuance	NOUN
ajis02-2579	268	35	of	of	ADP
ajis02-2579	268	36	mobile	mobile	ADJ
ajis02-2579	268	37	money	money	NOUN
ajis02-2579	268	38	17	17	NUM
ajis02-2579	268	39	6	6	NUM
ajis02-2579	268	40	discussion	discussion	NOUN
ajis02-2579	268	41	and	and	CCONJ
ajis02-2579	268	42	implications	implication	NOUN
ajis02-2579	268	43	6.1	6.1	NUM
ajis02-2579	268	44	theoretical	theoretical	ADJ
ajis02-2579	268	45	implications	implication	NOUN
ajis02-2579	268	46	this	this	DET
ajis02-2579	268	47	study	study	NOUN
ajis02-2579	268	48	examines	examine	VERB
ajis02-2579	268	49	the	the	DET
ajis02-2579	268	50	factors	factor	NOUN
ajis02-2579	268	51	that	that	PRON
ajis02-2579	268	52	influence	influence	VERB
ajis02-2579	268	53	the	the	DET
ajis02-2579	268	54	initial	initial	ADJ
ajis02-2579	268	55	adoption	adoption	NOUN
ajis02-2579	268	56	of	of	ADP
ajis02-2579	268	57	,	,	PUNCT
ajis02-2579	268	58	and	and	CCONJ
ajis02-2579	268	59	ongoing	ongoing	ADJ
ajis02-2579	268	60	intentions	intention	NOUN
ajis02-2579	268	61	to	to	PART
ajis02-2579	268	62	use	use	VERB
ajis02-2579	268	63	,	,	PUNCT
ajis02-2579	268	64	mobile	mobile	ADJ
ajis02-2579	268	65	money	money	NOUN
ajis02-2579	268	66	by	by	ADP
ajis02-2579	268	67	employing	employ	VERB
ajis02-2579	268	68	tam	tam	NOUN
ajis02-2579	268	69	that	that	PRON
ajis02-2579	268	70	includes	includes	AUX
ajis02-2579	268	71	perceived	perceive	VERB
ajis02-2579	268	72	usefulness	usefulness	NOUN
ajis02-2579	268	73	and	and	CCONJ
ajis02-2579	268	74	perceived	perceive	VERB
ajis02-2579	268	75	ease	ease	NOUN
ajis02-2579	268	76	of	of	ADP
ajis02-2579	268	77	use	use	NOUN
ajis02-2579	268	78	as	as	ADP
ajis02-2579	268	79	moderators	moderator	NOUN
ajis02-2579	268	80	to	to	ADP
ajis02-2579	268	81	attitudes	attitude	NOUN
ajis02-2579	268	82	towards	towards	ADP
ajis02-2579	268	83	adoption	adoption	NOUN
ajis02-2579	268	84	.	.	PUNCT
ajis02-2579	269	1	the	the	DET
ajis02-2579	269	2	existing	exist	VERB
ajis02-2579	269	3	literature	literature	NOUN
ajis02-2579	269	4	provides	provide	VERB
ajis02-2579	269	5	limited	limited	ADJ
ajis02-2579	269	6	guidance	guidance	NOUN
ajis02-2579	269	7	on	on	ADP
ajis02-2579	269	8	how	how	SCONJ
ajis02-2579	269	9	tam	tam	NOUN
ajis02-2579	269	10	is	be	AUX
ajis02-2579	269	11	perceived	perceive	VERB
ajis02-2579	269	12	within	within	ADP
ajis02-2579	269	13	the	the	DET
ajis02-2579	269	14	context	context	NOUN
ajis02-2579	269	15	of	of	ADP
ajis02-2579	269	16	african	african	PROPN
ajis02-2579	269	17	is	be	AUX
ajis02-2579	269	18	adoption	adoption	NOUN
ajis02-2579	269	19	.	.	PUNCT
ajis02-2579	270	1	the	the	DET
ajis02-2579	270	2	importance	importance	NOUN
ajis02-2579	270	3	of	of	ADP
ajis02-2579	270	4	context	context	NOUN
ajis02-2579	270	5	can	can	AUX
ajis02-2579	270	6	not	not	PART
ajis02-2579	270	7	be	be	AUX
ajis02-2579	270	8	overstated	overstate	VERB
ajis02-2579	270	9	(	(	PUNCT
ajis02-2579	270	10	agawal	agawal	NOUN
ajis02-2579	270	11	and	and	CCONJ
ajis02-2579	270	12	prasad	prasad	NOUN
ajis02-2579	270	13	,	,	PUNCT
ajis02-2579	270	14	1997	1997	NUM
ajis02-2579	270	15	)	)	PUNCT
ajis02-2579	270	16	;	;	PUNCT
ajis02-2579	270	17	in	in	ADP
ajis02-2579	270	18	another	another	DET
ajis02-2579	270	19	context	context	NOUN
ajis02-2579	270	20	,	,	PUNCT
ajis02-2579	270	21	there	there	PRON
ajis02-2579	270	22	may	may	AUX
ajis02-2579	270	23	be	be	AUX
ajis02-2579	270	24	differences	difference	NOUN
ajis02-2579	270	25	in	in	ADP
ajis02-2579	270	26	the	the	DET
ajis02-2579	270	27	variables	variable	NOUN
ajis02-2579	270	28	identified	identify	VERB
ajis02-2579	270	29	to	to	PART
ajis02-2579	270	30	understand	understand	VERB
ajis02-2579	270	31	is	be	AUX
ajis02-2579	270	32	use	use	NOUN
ajis02-2579	270	33	and	and	CCONJ
ajis02-2579	270	34	acceptance	acceptance	NOUN
ajis02-2579	270	35	.	.	PUNCT
ajis02-2579	271	1	equally	equally	ADV
ajis02-2579	271	2	,	,	PUNCT
ajis02-2579	271	3	the	the	DET
ajis02-2579	271	4	meaning	meaning	NOUN
ajis02-2579	271	5	of	of	ADP
ajis02-2579	271	6	variables	variable	NOUN
ajis02-2579	271	7	such	such	ADJ
ajis02-2579	271	8	as	as	ADP
ajis02-2579	271	9	perceived	perceive	VERB
ajis02-2579	271	10	usefulness	usefulness	NOUN
ajis02-2579	271	11	and	and	CCONJ
ajis02-2579	271	12	perceived	perceive	VERB
ajis02-2579	271	13	ease	ease	NOUN
ajis02-2579	271	14	of	of	ADP
ajis02-2579	271	15	use	use	NOUN
ajis02-2579	271	16	may	may	AUX
ajis02-2579	271	17	be	be	AUX
ajis02-2579	271	18	drastically	drastically	ADV
ajis02-2579	271	19	influenced	influence	VERB
ajis02-2579	271	20	by	by	ADP
ajis02-2579	271	21	the	the	DET
ajis02-2579	271	22	type	type	NOUN
ajis02-2579	271	23	of	of	ADP
ajis02-2579	271	24	is	be	AUX
ajis02-2579	271	25	being	be	AUX
ajis02-2579	271	26	studied	study	VERB
ajis02-2579	271	27	.	.	PUNCT
ajis02-2579	272	1	the	the	DET
ajis02-2579	272	2	use	use	NOUN
ajis02-2579	272	3	of	of	ADP
ajis02-2579	272	4	proxies	proxy	NOUN
ajis02-2579	272	5	to	to	PART
ajis02-2579	272	6	study	study	VERB
ajis02-2579	272	7	adoption	adoption	NOUN
ajis02-2579	272	8	of	of	ADP
ajis02-2579	272	9	mobile	mobile	ADJ
ajis02-2579	272	10	money	money	NOUN
ajis02-2579	272	11	in	in	ADP
ajis02-2579	272	12	africa	africa	PROPN
ajis02-2579	272	13	is	be	AUX
ajis02-2579	272	14	,	,	PUNCT
ajis02-2579	272	15	therefore	therefore	ADV
ajis02-2579	272	16	,	,	PUNCT
ajis02-2579	272	17	a	a	DET
ajis02-2579	272	18	justifiable	justifiable	ADJ
ajis02-2579	272	19	enterprise	enterprise	NOUN
ajis02-2579	272	20	.	.	PUNCT
ajis02-2579	273	1	the	the	DET
ajis02-2579	273	2	most	most	ADV
ajis02-2579	273	3	important	important	ADJ
ajis02-2579	273	4	determinant	determinant	ADJ
ajis02-2579	273	5	of	of	ADP
ajis02-2579	273	6	mobile	mobile	ADJ
ajis02-2579	273	7	money	money	NOUN
ajis02-2579	273	8	usage	usage	NOUN
ajis02-2579	273	9	in	in	ADP
ajis02-2579	273	10	africa	africa	PROPN
ajis02-2579	273	11	is	be	AUX
ajis02-2579	273	12	perceived	perceive	VERB
ajis02-2579	273	13	ease	ease	NOUN
ajis02-2579	273	14	of	of	ADP
ajis02-2579	273	15	use	use	NOUN
ajis02-2579	273	16	.	.	PUNCT
ajis02-2579	274	1	context	context	NOUN
ajis02-2579	274	2	-	-	PUNCT
ajis02-2579	274	3	based	base	VERB
ajis02-2579	274	4	variables	variable	NOUN
ajis02-2579	274	5	such	such	ADJ
ajis02-2579	274	6	as	as	ADP
ajis02-2579	274	7	ubiquity	ubiquity	NOUN
ajis02-2579	274	8	/	/	SYM
ajis02-2579	274	9	power	power	NOUN
ajis02-2579	274	10	supply	supply	NOUN
ajis02-2579	274	11	,	,	PUNCT
ajis02-2579	274	12	enabling	enable	VERB
ajis02-2579	274	13	regulations	regulation	NOUN
ajis02-2579	274	14	,	,	PUNCT
ajis02-2579	274	15	education	education	NOUN
ajis02-2579	274	16	and	and	CCONJ
ajis02-2579	274	17	gender	gender	NOUN
ajis02-2579	274	18	are	be	AUX
ajis02-2579	274	19	positively	positively	ADV
ajis02-2579	274	20	associated	associate	VERB
ajis02-2579	274	21	with	with	ADP
ajis02-2579	274	22	individual	individual	ADJ
ajis02-2579	274	23	attitudes	attitude	NOUN
ajis02-2579	274	24	towards	towards	ADP
ajis02-2579	274	25	the	the	DET
ajis02-2579	274	26	adoption	adoption	NOUN
ajis02-2579	274	27	of	of	ADP
ajis02-2579	274	28	mobile	mobile	ADJ
ajis02-2579	274	29	money	money	NOUN
ajis02-2579	274	30	.	.	PUNCT
ajis02-2579	275	1	perceived	perceive	VERB
ajis02-2579	275	2	usefulness	usefulness	NOUN
ajis02-2579	275	3	is	be	AUX
ajis02-2579	275	4	another	another	DET
ajis02-2579	275	5	significant	significant	ADJ
ajis02-2579	275	6	determinant	determinant	NOUN
ajis02-2579	275	7	of	of	ADP
ajis02-2579	275	8	the	the	DET
ajis02-2579	275	9	uptake	uptake	NOUN
ajis02-2579	275	10	of	of	ADP
ajis02-2579	275	11	mobile	mobile	ADJ
ajis02-2579	275	12	money	money	NOUN
ajis02-2579	275	13	in	in	ADP
ajis02-2579	275	14	africa	africa	PROPN
ajis02-2579	275	15	.	.	PUNCT
ajis02-2579	276	1	these	these	DET
ajis02-2579	276	2	findings	finding	NOUN
ajis02-2579	276	3	support	support	VERB
ajis02-2579	276	4	prior	prior	ADJ
ajis02-2579	276	5	studies	study	NOUN
ajis02-2579	276	6	on	on	ADP
ajis02-2579	276	7	mobile	mobile	ADJ
ajis02-2579	276	8	payment	payment	NOUN
ajis02-2579	276	9	adoption	adoption	NOUN
ajis02-2579	276	10	and	and	CCONJ
ajis02-2579	276	11	acceptance	acceptance	NOUN
ajis02-2579	276	12	(	(	PUNCT
ajis02-2579	276	13	bailey	bailey	PROPN
ajis02-2579	276	14	et	et	PROPN
ajis02-2579	276	15	al	al	PROPN
ajis02-2579	276	16	,	,	PUNCT
ajis02-2579	276	17	2017	2017	NUM
ajis02-2579	276	18	;	;	PUNCT
ajis02-2579	276	19	he	he	PRON
ajis02-2579	276	20	,	,	PUNCT
ajis02-2579	276	21	chen	chen	PROPN
ajis02-2579	276	22	,	,	PUNCT
ajis02-2579	276	23	and	and	CCONJ
ajis02-2579	276	24	kitkuakul	kitkuakul	PROPN
ajis02-2579	276	25	,	,	PUNCT
ajis02-2579	276	26	2018	2018	NUM
ajis02-2579	276	27	;	;	PUNCT
ajis02-2579	276	28	polites	polite	NOUN
ajis02-2579	276	29	and	and	CCONJ
ajis02-2579	276	30	karahanna	karahanna	NOUN
ajis02-2579	276	31	,	,	PUNCT
ajis02-2579	276	32	2018	2018	NUM
ajis02-2579	276	33	)	)	PUNCT
ajis02-2579	276	34	.	.	PUNCT
ajis02-2579	277	1	the	the	DET
ajis02-2579	277	2	findings	finding	NOUN
ajis02-2579	277	3	also	also	ADV
ajis02-2579	277	4	open	open	VERB
ajis02-2579	277	5	a	a	DET
ajis02-2579	277	6	new	new	ADJ
ajis02-2579	277	7	window	window	NOUN
ajis02-2579	277	8	on	on	ADP
ajis02-2579	277	9	the	the	DET
ajis02-2579	277	10	use	use	NOUN
ajis02-2579	277	11	secondary	secondary	ADJ
ajis02-2579	277	12	data	datum	NOUN
ajis02-2579	277	13	in	in	ADP
ajis02-2579	277	14	tam	tam	NOUN
ajis02-2579	277	15	that	that	PRON
ajis02-2579	277	16	is	be	AUX
ajis02-2579	277	17	parsimonious	parsimonious	ADJ
ajis02-2579	277	18	.	.	PUNCT
ajis02-2579	278	1	6.2	6.2	NUM
ajis02-2579	278	2	methodological	methodological	ADJ
ajis02-2579	278	3	implications	implication	NOUN
ajis02-2579	278	4	from	from	ADP
ajis02-2579	278	5	a	a	DET
ajis02-2579	278	6	methodological	methodological	ADJ
ajis02-2579	278	7	point	point	NOUN
ajis02-2579	278	8	of	of	ADP
ajis02-2579	278	9	view	view	NOUN
ajis02-2579	278	10	,	,	PUNCT
ajis02-2579	278	11	our	our	PRON
ajis02-2579	278	12	study	study	NOUN
ajis02-2579	278	13	offers	offer	VERB
ajis02-2579	278	14	a	a	DET
ajis02-2579	278	15	new	new	ADJ
ajis02-2579	278	16	perspective	perspective	NOUN
ajis02-2579	278	17	on	on	ADP
ajis02-2579	278	18	how	how	SCONJ
ajis02-2579	278	19	tam	tam	NOUN
ajis02-2579	278	20	can	can	AUX
ajis02-2579	278	21	be	be	AUX
ajis02-2579	278	22	analysed	analyse	VERB
ajis02-2579	278	23	,	,	PUNCT
ajis02-2579	278	24	incorporating	incorporate	VERB
ajis02-2579	278	25	secondary	secondary	ADJ
ajis02-2579	278	26	data	datum	NOUN
ajis02-2579	278	27	.	.	PUNCT
ajis02-2579	279	1	our	our	PRON
ajis02-2579	279	2	novel	novel	ADJ
ajis02-2579	279	3	approach	approach	NOUN
ajis02-2579	279	4	is	be	AUX
ajis02-2579	279	5	applied	apply	VERB
ajis02-2579	279	6	to	to	ADP
ajis02-2579	279	7	a	a	DET
ajis02-2579	279	8	new	new	ADJ
ajis02-2579	279	9	is	be	AUX
ajis02-2579	279	10	(	(	PUNCT
ajis02-2579	279	11	mobile	mobile	ADJ
ajis02-2579	279	12	money	money	NOUN
ajis02-2579	279	13	)	)	PUNCT
ajis02-2579	279	14	that	that	PRON
ajis02-2579	279	15	has	have	AUX
ajis02-2579	279	16	,	,	PUNCT
ajis02-2579	279	17	until	until	ADP
ajis02-2579	279	18	now	now	ADV
ajis02-2579	279	19	,	,	PUNCT
ajis02-2579	279	20	received	receive	VERB
ajis02-2579	279	21	minimal	minimal	ADJ
ajis02-2579	279	22	examination	examination	NOUN
ajis02-2579	279	23	in	in	ADP
ajis02-2579	279	24	relation	relation	NOUN
ajis02-2579	279	25	to	to	PART
ajis02-2579	279	26	tam	tam	VERB
ajis02-2579	279	27	.	.	PUNCT
ajis02-2579	280	1	our	our	PRON
ajis02-2579	280	2	use	use	NOUN
ajis02-2579	280	3	of	of	ADP
ajis02-2579	280	4	proxies	proxy	NOUN
ajis02-2579	280	5	highlights	highlight	NOUN
ajis02-2579	280	6	how	how	SCONJ
ajis02-2579	280	7	available	available	ADJ
ajis02-2579	280	8	datasets	dataset	NOUN
ajis02-2579	280	9	can	can	AUX
ajis02-2579	280	10	be	be	AUX
ajis02-2579	280	11	leveraged	leverage	VERB
ajis02-2579	280	12	to	to	PART
ajis02-2579	280	13	study	study	VERB
ajis02-2579	280	14	tam	tam	PROPN
ajis02-2579	280	15	.	.	PUNCT
ajis02-2579	281	1	the	the	DET
ajis02-2579	281	2	outcomes	outcome	NOUN
ajis02-2579	281	3	of	of	ADP
ajis02-2579	281	4	using	use	VERB
ajis02-2579	281	5	these	these	DET
ajis02-2579	281	6	proxies	proxy	NOUN
ajis02-2579	281	7	warrant	warrant	VERB
ajis02-2579	281	8	some	some	DET
ajis02-2579	281	9	discussion	discussion	NOUN
ajis02-2579	281	10	here	here	ADV
ajis02-2579	281	11	.	.	PUNCT
ajis02-2579	282	1	ubiquity	ubiquity	NOUN
ajis02-2579	282	2	and	and	CCONJ
ajis02-2579	282	3	power	power	NOUN
ajis02-2579	282	4	supply	supply	NOUN
ajis02-2579	282	5	are	be	AUX
ajis02-2579	282	6	shown	show	VERB
ajis02-2579	282	7	to	to	PART
ajis02-2579	282	8	be	be	AUX
ajis02-2579	282	9	particularly	particularly	ADV
ajis02-2579	282	10	important	important	ADJ
ajis02-2579	282	11	;	;	PUNCT
ajis02-2579	282	12	simply	simply	ADV
ajis02-2579	282	13	put	put	VERB
ajis02-2579	282	14	,	,	PUNCT
ajis02-2579	282	15	if	if	SCONJ
ajis02-2579	282	16	people	people	NOUN
ajis02-2579	282	17	lack	lack	VERB
ajis02-2579	282	18	a	a	DET
ajis02-2579	282	19	reliable	reliable	ADJ
ajis02-2579	282	20	supply	supply	NOUN
ajis02-2579	282	21	of	of	ADP
ajis02-2579	282	22	power	power	NOUN
ajis02-2579	282	23	to	to	PART
ajis02-2579	282	24	charge	charge	VERB
ajis02-2579	282	25	their	their	PRON
ajis02-2579	282	26	phones	phone	NOUN
ajis02-2579	282	27	,	,	PUNCT
ajis02-2579	282	28	they	they	PRON
ajis02-2579	282	29	can	can	AUX
ajis02-2579	282	30	not	not	PART
ajis02-2579	282	31	use	use	VERB
ajis02-2579	282	32	mobile	mobile	ADJ
ajis02-2579	282	33	money	money	NOUN
ajis02-2579	282	34	systems	system	NOUN
ajis02-2579	282	35	.	.	PUNCT
ajis02-2579	283	1	african	african	ADJ
ajis02-2579	283	2	people	people	NOUN
ajis02-2579	283	3	are	be	AUX
ajis02-2579	283	4	known	know	VERB
ajis02-2579	283	5	to	to	PART
ajis02-2579	283	6	be	be	AUX
ajis02-2579	283	7	mobile	mobile	ADJ
ajis02-2579	283	8	(	(	PUNCT
ajis02-2579	283	9	kakihara	kakihara	NOUN
ajis02-2579	283	10	and	and	CCONJ
ajis02-2579	283	11	sorensen	sorensen	PROPN
ajis02-2579	283	12	2002	2002	NUM
ajis02-2579	283	13	;	;	PUNCT
ajis02-2579	283	14	kleinrock	kleinrock	PROPN
ajis02-2579	283	15	,	,	PUNCT
ajis02-2579	283	16	1996	1996	NUM
ajis02-2579	283	17	)	)	PUNCT
ajis02-2579	283	18	,	,	PUNCT
ajis02-2579	283	19	in	in	ADP
ajis02-2579	283	20	search	search	NOUN
ajis02-2579	283	21	of	of	ADP
ajis02-2579	283	22	economic	economic	ADJ
ajis02-2579	283	23	opportunities	opportunity	NOUN
ajis02-2579	283	24	,	,	PUNCT
ajis02-2579	283	25	and	and	CCONJ
ajis02-2579	283	26	mobile	mobile	ADJ
ajis02-2579	283	27	money	money	NOUN
ajis02-2579	283	28	supports	support	VERB
ajis02-2579	283	29	this	this	DET
ajis02-2579	283	30	mobility	mobility	NOUN
ajis02-2579	283	31	.	.	PUNCT
ajis02-2579	284	1	limited	limited	ADJ
ajis02-2579	284	2	access	access	NOUN
ajis02-2579	284	3	to	to	ADP
ajis02-2579	284	4	electricity	electricity	NOUN
ajis02-2579	284	5	affects	affect	VERB
ajis02-2579	284	6	the	the	DET
ajis02-2579	284	7	number	number	NOUN
ajis02-2579	284	8	of	of	ADP
ajis02-2579	284	9	people	people	NOUN
ajis02-2579	284	10	who	who	PRON
ajis02-2579	284	11	can	can	AUX
ajis02-2579	284	12	adopt	adopt	VERB
ajis02-2579	284	13	and	and	CCONJ
ajis02-2579	284	14	sustain	sustain	VERB
ajis02-2579	284	15	their	their	PRON
ajis02-2579	284	16	use	use	NOUN
ajis02-2579	284	17	of	of	ADP
ajis02-2579	284	18	mobile	mobile	ADJ
ajis02-2579	284	19	money	money	NOUN
ajis02-2579	284	20	(	(	PUNCT
ajis02-2579	284	21	rubin	rubin	PROPN
ajis02-2579	284	22	,	,	PUNCT
ajis02-2579	284	23	2017	2017	NUM
ajis02-2579	284	24	)	)	PUNCT
ajis02-2579	284	25	.	.	PUNCT
ajis02-2579	285	1	in	in	ADP
ajis02-2579	285	2	africa	africa	PROPN
ajis02-2579	285	3	,	,	PUNCT
ajis02-2579	285	4	the	the	DET
ajis02-2579	285	5	costs	cost	NOUN
ajis02-2579	285	6	involved	involve	VERB
ajis02-2579	285	7	in	in	ADP
ajis02-2579	285	8	securing	secure	VERB
ajis02-2579	285	9	access	access	NOUN
ajis02-2579	285	10	to	to	ADP
ajis02-2579	285	11	electricity	electricity	NOUN
ajis02-2579	285	12	are	be	AUX
ajis02-2579	285	13	high	high	ADJ
ajis02-2579	285	14	,	,	PUNCT
ajis02-2579	285	15	especially	especially	ADV
ajis02-2579	285	16	for	for	ADP
ajis02-2579	285	17	inhabitants	inhabitant	NOUN
ajis02-2579	285	18	of	of	ADP
ajis02-2579	285	19	towns	town	NOUN
ajis02-2579	285	20	and	and	CCONJ
ajis02-2579	285	21	villages	village	NOUN
ajis02-2579	285	22	that	that	PRON
ajis02-2579	285	23	are	be	AUX
ajis02-2579	285	24	not	not	PART
ajis02-2579	285	25	connected	connect	VERB
ajis02-2579	285	26	to	to	ADP
ajis02-2579	285	27	the	the	DET
ajis02-2579	285	28	national	national	ADJ
ajis02-2579	285	29	grid	grid	NOUN
ajis02-2579	285	30	.	.	PUNCT
ajis02-2579	286	1	such	such	ADJ
ajis02-2579	286	2	mobile	mobile	ADJ
ajis02-2579	286	3	phone	phone	NOUN
ajis02-2579	286	4	users	user	NOUN
ajis02-2579	286	5	are	be	AUX
ajis02-2579	286	6	compelled	compel	VERB
ajis02-2579	286	7	to	to	PART
ajis02-2579	286	8	travel	travel	VERB
ajis02-2579	286	9	long	long	ADJ
ajis02-2579	286	10	distances	distance	NOUN
ajis02-2579	286	11	in	in	ADP
ajis02-2579	286	12	order	order	NOUN
ajis02-2579	286	13	to	to	PART
ajis02-2579	286	14	access	access	VERB
ajis02-2579	286	15	electricity	electricity	NOUN
ajis02-2579	286	16	just	just	ADV
ajis02-2579	286	17	to	to	PART
ajis02-2579	286	18	keep	keep	VERB
ajis02-2579	286	19	their	their	PRON
ajis02-2579	286	20	phones	phone	NOUN
ajis02-2579	286	21	functional	functional	ADJ
ajis02-2579	286	22	.	.	PUNCT
ajis02-2579	287	1	although	although	SCONJ
ajis02-2579	287	2	the	the	DET
ajis02-2579	287	3	availability	availability	NOUN
ajis02-2579	287	4	of	of	ADP
ajis02-2579	287	5	mobile	mobile	ADJ
ajis02-2579	287	6	money	money	NOUN
ajis02-2579	287	7	systems	system	NOUN
ajis02-2579	287	8	in	in	ADP
ajis02-2579	287	9	africa	africa	PROPN
ajis02-2579	287	10	should	should	AUX
ajis02-2579	287	11	,	,	PUNCT
ajis02-2579	287	12	in	in	ADP
ajis02-2579	287	13	theory	theory	NOUN
ajis02-2579	287	14	,	,	PUNCT
ajis02-2579	287	15	allow	allow	VERB
ajis02-2579	287	16	people	people	NOUN
ajis02-2579	287	17	to	to	PART
ajis02-2579	287	18	increase	increase	VERB
ajis02-2579	287	19	the	the	DET
ajis02-2579	287	20	quality	quality	NOUN
ajis02-2579	287	21	of	of	ADP
ajis02-2579	287	22	their	their	PRON
ajis02-2579	287	23	lifestyles	lifestyle	NOUN
ajis02-2579	287	24	,	,	PUNCT
ajis02-2579	287	25	the	the	DET
ajis02-2579	287	26	lack	lack	NOUN
ajis02-2579	287	27	of	of	ADP
ajis02-2579	287	28	basic	basic	ADJ
ajis02-2579	287	29	infrastructure	infrastructure	NOUN
ajis02-2579	287	30	,	,	PUNCT
ajis02-2579	287	31	such	such	ADJ
ajis02-2579	287	32	as	as	ADP
ajis02-2579	287	33	limited	limited	ADJ
ajis02-2579	287	34	access	access	NOUN
ajis02-2579	287	35	to	to	ADP
ajis02-2579	287	36	electricity3	electricity3	PROPN
ajis02-2579	287	37	,	,	PUNCT
ajis02-2579	287	38	prevents	prevent	VERB
ajis02-2579	287	39	a	a	DET
ajis02-2579	287	40	great	great	ADJ
ajis02-2579	287	41	number	number	NOUN
ajis02-2579	287	42	of	of	ADP
ajis02-2579	287	43	people	people	NOUN
ajis02-2579	287	44	from	from	ADP
ajis02-2579	287	45	reaping	reap	VERB
ajis02-2579	287	46	these	these	DET
ajis02-2579	287	47	benefits	benefit	NOUN
ajis02-2579	287	48	.	.	PUNCT
ajis02-2579	288	1	regulations	regulation	NOUN
ajis02-2579	288	2	are	be	AUX
ajis02-2579	288	3	another	another	DET
ajis02-2579	288	4	significant	significant	ADJ
ajis02-2579	288	5	factor	factor	NOUN
ajis02-2579	288	6	in	in	ADP
ajis02-2579	288	7	consumer	consumer	NOUN
ajis02-2579	288	8	intentions	intention	NOUN
ajis02-2579	288	9	to	to	PART
ajis02-2579	288	10	adopt	adopt	VERB
ajis02-2579	288	11	and	and	CCONJ
ajis02-2579	288	12	to	to	PART
ajis02-2579	288	13	keep	keep	VERB
ajis02-2579	288	14	using	use	VERB
ajis02-2579	288	15	mobile	mobile	ADJ
ajis02-2579	288	16	money	money	NOUN
ajis02-2579	288	17	.	.	PUNCT
ajis02-2579	289	1	when	when	SCONJ
ajis02-2579	289	2	mobile	mobile	ADJ
ajis02-2579	289	3	money	money	NOUN
ajis02-2579	289	4	systems	system	NOUN
ajis02-2579	289	5	were	be	AUX
ajis02-2579	289	6	first	first	ADV
ajis02-2579	289	7	introduced	introduce	VERB
ajis02-2579	289	8	in	in	ADP
ajis02-2579	289	9	africa	africa	PROPN
ajis02-2579	289	10	(	(	PUNCT
ajis02-2579	289	11	m	m	NOUN
ajis02-2579	289	12	-	-	NOUN
ajis02-2579	289	13	pesa	pesa	NOUN
ajis02-2579	289	14	)	)	PUNCT
ajis02-2579	289	15	,	,	PUNCT
ajis02-2579	289	16	regulations	regulation	NOUN
ajis02-2579	289	17	were	be	AUX
ajis02-2579	289	18	not	not	PART
ajis02-2579	289	19	considered	consider	VERB
ajis02-2579	289	20	to	to	PART
ajis02-2579	289	21	be	be	AUX
ajis02-2579	289	22	of	of	ADP
ajis02-2579	289	23	high	high	ADJ
ajis02-2579	289	24	importance	importance	NOUN
ajis02-2579	289	25	(	(	PUNCT
ajis02-2579	289	26	jack	jack	PROPN
ajis02-2579	289	27	and	and	CCONJ
ajis02-2579	289	28	suri	suri	PROPN
ajis02-2579	289	29	,	,	PUNCT
ajis02-2579	289	30	2011	2011	NUM
ajis02-2579	289	31	)	)	PUNCT
ajis02-2579	289	32	.	.	PUNCT
ajis02-2579	290	1	however	however	ADV
ajis02-2579	290	2	,	,	PUNCT
ajis02-2579	290	3	consumer	consumer	NOUN
ajis02-2579	290	4	reports	report	NOUN
ajis02-2579	290	5	of	of	ADP
ajis02-2579	290	6	abuse	abuse	NOUN
ajis02-2579	290	7	by	by	ADP
ajis02-2579	290	8	agents	agent	NOUN
ajis02-2579	290	9	and	and	CCONJ
ajis02-2579	290	10	operators	operator	NOUN
ajis02-2579	290	11	,	,	PUNCT
ajis02-2579	290	12	and	and	CCONJ
ajis02-2579	290	13	most	most	ADV
ajis02-2579	290	14	recently	recently	ADV
ajis02-2579	290	15	fraud	fraud	NOUN
ajis02-2579	290	16	,	,	PUNCT
ajis02-2579	290	17	have	have	AUX
ajis02-2579	290	18	made	make	VERB
ajis02-2579	290	19	3	3	NUM
ajis02-2579	290	20	the	the	DET
ajis02-2579	290	21	countries	country	NOUN
ajis02-2579	290	22	with	with	ADP
ajis02-2579	290	23	the	the	DET
ajis02-2579	290	24	lowest	low	ADJ
ajis02-2579	290	25	levels	level	NOUN
ajis02-2579	290	26	of	of	ADP
ajis02-2579	290	27	public	public	ADJ
ajis02-2579	290	28	access	access	NOUN
ajis02-2579	290	29	to	to	ADP
ajis02-2579	290	30	electricity	electricity	NOUN
ajis02-2579	290	31	are	be	AUX
ajis02-2579	290	32	as	as	SCONJ
ajis02-2579	290	33	follows	follow	VERB
ajis02-2579	290	34	:	:	PUNCT
ajis02-2579	290	35	burundi	burundi	PROPN
ajis02-2579	290	36	(	(	PUNCT
ajis02-2579	290	37	6.5	6.5	NUM
ajis02-2579	290	38	%	%	NOUN
ajis02-2579	290	39	of	of	ADP
ajis02-2579	290	40	the	the	DET
ajis02-2579	290	41	population	population	NOUN
ajis02-2579	290	42	)	)	PUNCT
ajis02-2579	290	43	,	,	PUNCT
ajis02-2579	290	44	malawi	malawi	PROPN
ajis02-2579	290	45	(	(	PUNCT
ajis02-2579	290	46	9.8	9.8	NUM
ajis02-2579	290	47	%	%	NOUN
ajis02-2579	290	48	of	of	ADP
ajis02-2579	290	49	the	the	DET
ajis02-2579	290	50	population	population	NOUN
ajis02-2579	290	51	)	)	PUNCT
ajis02-2579	290	52	,	,	PUNCT
ajis02-2579	290	53	liberia	liberia	PROPN
ajis02-2579	290	54	(	(	PUNCT
ajis02-2579	290	55	9.8	9.8	NUM
ajis02-2579	290	56	%	%	NOUN
ajis02-2579	290	57	of	of	ADP
ajis02-2579	290	58	the	the	DET
ajis02-2579	290	59	population	population	NOUN
ajis02-2579	290	60	)	)	PUNCT
ajis02-2579	290	61	,	,	PUNCT
ajis02-2579	290	62	central	central	ADJ
ajis02-2579	290	63	african	african	ADJ
ajis02-2579	290	64	republic	republic	NOUN
ajis02-2579	290	65	(	(	PUNCT
ajis02-2579	290	66	10.8	10.8	NUM
ajis02-2579	290	67	%	%	NOUN
ajis02-2579	290	68	of	of	ADP
ajis02-2579	290	69	the	the	DET
ajis02-2579	290	70	population	population	NOUN
ajis02-2579	290	71	)	)	PUNCT
ajis02-2579	290	72	,	,	PUNCT
ajis02-2579	290	73	burkina	burkina	PROPN
ajis02-2579	290	74	faso	faso	PROPN
ajis02-2579	290	75	(	(	PUNCT
ajis02-2579	290	76	13.1	13.1	NUM
ajis02-2579	290	77	%	%	NOUN
ajis02-2579	290	78	of	of	ADP
ajis02-2579	290	79	the	the	DET
ajis02-2579	290	80	population	population	NOUN
ajis02-2579	290	81	)	)	PUNCT
ajis02-2579	290	82	(	(	PUNCT
ajis02-2579	290	83	world	world	PROPN
ajis02-2579	290	84	bank	bank	PROPN
ajis02-2579	290	85	,	,	PUNCT
ajis02-2579	290	86	2014	2014	NUM
ajis02-2579	290	87	)	)	PUNCT
ajis02-2579	290	88	.	.	PUNCT
ajis02-2579	291	1	australasian	australasian	ADJ
ajis02-2579	291	2	journal	journal	NOUN
ajis02-2579	291	3	of	of	ADP
ajis02-2579	291	4	information	information	NOUN
ajis02-2579	291	5	systems	system	NOUN
ajis02-2579	291	6	alhassan	alhassan	PROPN
ajis02-2579	291	7	,	,	PUNCT
ajis02-2579	291	8	li	li	PROPN
ajis02-2579	291	9	,	,	PUNCT
ajis02-2579	291	10	reddy	reddy	PROPN
ajis02-2579	291	11	&	&	CCONJ
ajis02-2579	291	12	duppati	duppati	PROPN
ajis02-2579	291	13	2020	2020	NUM
ajis02-2579	291	14	,	,	PUNCT
ajis02-2579	291	15	vol	vol	NOUN
ajis02-2579	291	16	24	24	NUM
ajis02-2579	291	17	,	,	PUNCT
ajis02-2579	291	18	research	research	NOUN
ajis02-2579	291	19	article	article	NOUN
ajis02-2579	291	20	consumer	consumer	NOUN
ajis02-2579	291	21	acceptance	acceptance	NOUN
ajis02-2579	291	22	and	and	CCONJ
ajis02-2579	291	23	continuance	continuance	NOUN
ajis02-2579	291	24	of	of	ADP
ajis02-2579	291	25	mobile	mobile	ADJ
ajis02-2579	291	26	money	money	NOUN
ajis02-2579	291	27	18	18	NUM
ajis02-2579	291	28	regulations	regulation	NOUN
ajis02-2579	291	29	an	an	DET
ajis02-2579	291	30	important	important	ADJ
ajis02-2579	291	31	factor	factor	NOUN
ajis02-2579	291	32	in	in	ADP
ajis02-2579	291	33	perceptions	perception	NOUN
ajis02-2579	291	34	of	of	ADP
ajis02-2579	291	35	mobile	mobile	ADJ
ajis02-2579	291	36	money	money	NOUN
ajis02-2579	291	37	as	as	ADP
ajis02-2579	291	38	easy	easy	ADJ
ajis02-2579	291	39	to	to	PART
ajis02-2579	291	40	use	use	VERB
ajis02-2579	291	41	since	since	SCONJ
ajis02-2579	291	42	consumers	consumer	NOUN
ajis02-2579	291	43	are	be	AUX
ajis02-2579	291	44	assured	assure	VERB
ajis02-2579	291	45	of	of	ADP
ajis02-2579	291	46	some	some	DET
ajis02-2579	291	47	means	mean	NOUN
ajis02-2579	291	48	of	of	ADP
ajis02-2579	291	49	recourse	recourse	NOUN
ajis02-2579	291	50	if	if	SCONJ
ajis02-2579	291	51	contracts	contract	NOUN
ajis02-2579	291	52	are	be	AUX
ajis02-2579	291	53	breached	breach	VERB
ajis02-2579	291	54	.	.	PUNCT
ajis02-2579	292	1	furthermore	furthermore	ADV
ajis02-2579	292	2	,	,	PUNCT
ajis02-2579	292	3	as	as	ADP
ajis02-2579	292	4	with	with	ADP
ajis02-2579	292	5	other	other	ADJ
ajis02-2579	292	6	traditional	traditional	ADJ
ajis02-2579	292	7	financial	financial	ADJ
ajis02-2579	292	8	systems	system	NOUN
ajis02-2579	292	9	(	(	PUNCT
ajis02-2579	292	10	gsma	gsma	NOUN
ajis02-2579	292	11	,	,	PUNCT
ajis02-2579	292	12	2016	2016	NUM
ajis02-2579	292	13	)	)	PUNCT
ajis02-2579	292	14	,	,	PUNCT
ajis02-2579	292	15	mobile	mobile	ADJ
ajis02-2579	292	16	money	money	NOUN
ajis02-2579	292	17	requires	require	VERB
ajis02-2579	292	18	proper	proper	ADJ
ajis02-2579	292	19	regulations	regulation	NOUN
ajis02-2579	292	20	to	to	PART
ajis02-2579	292	21	be	be	AUX
ajis02-2579	292	22	in	in	ADP
ajis02-2579	292	23	place	place	NOUN
ajis02-2579	292	24	as	as	SCONJ
ajis02-2579	292	25	it	it	PRON
ajis02-2579	292	26	is	be	AUX
ajis02-2579	292	27	a	a	DET
ajis02-2579	292	28	form	form	NOUN
ajis02-2579	292	29	of	of	ADP
ajis02-2579	292	30	financial	financial	ADJ
ajis02-2579	292	31	provision	provision	NOUN
ajis02-2579	292	32	.	.	PUNCT
ajis02-2579	293	1	mnos	mno	NOUN
ajis02-2579	293	2	also	also	ADV
ajis02-2579	293	3	require	require	VERB
ajis02-2579	293	4	regulations	regulation	NOUN
ajis02-2579	293	5	to	to	PART
ajis02-2579	293	6	ensure	ensure	VERB
ajis02-2579	293	7	that	that	SCONJ
ajis02-2579	293	8	their	their	PRON
ajis02-2579	293	9	investments	investment	NOUN
ajis02-2579	293	10	are	be	AUX
ajis02-2579	293	11	secured	secure	VERB
ajis02-2579	293	12	and	and	CCONJ
ajis02-2579	293	13	to	to	PART
ajis02-2579	293	14	enable	enable	VERB
ajis02-2579	293	15	them	they	PRON
ajis02-2579	293	16	to	to	PART
ajis02-2579	293	17	conduct	conduct	VERB
ajis02-2579	293	18	legitimate	legitimate	ADJ
ajis02-2579	293	19	and	and	CCONJ
ajis02-2579	293	20	competitive	competitive	ADJ
ajis02-2579	293	21	business	business	NOUN
ajis02-2579	293	22	.	.	PUNCT
ajis02-2579	294	1	regulations	regulation	NOUN
ajis02-2579	294	2	also	also	ADV
ajis02-2579	294	3	ensure	ensure	VERB
ajis02-2579	294	4	that	that	SCONJ
ajis02-2579	294	5	government	government	NOUN
ajis02-2579	294	6	revenue	revenue	NOUN
ajis02-2579	294	7	generation	generation	NOUN
ajis02-2579	294	8	,	,	PUNCT
ajis02-2579	294	9	in	in	ADP
ajis02-2579	294	10	terms	term	NOUN
ajis02-2579	294	11	of	of	ADP
ajis02-2579	294	12	taxes	taxis	NOUN
ajis02-2579	294	13	,	,	PUNCT
ajis02-2579	294	14	is	be	AUX
ajis02-2579	294	15	adequately	adequately	ADV
ajis02-2579	294	16	secured	secure	VERB
ajis02-2579	294	17	.	.	PUNCT
ajis02-2579	295	1	they	they	PRON
ajis02-2579	295	2	are	be	AUX
ajis02-2579	295	3	also	also	ADV
ajis02-2579	295	4	a	a	DET
ajis02-2579	295	5	mechanism	mechanism	NOUN
ajis02-2579	295	6	for	for	ADP
ajis02-2579	295	7	effective	effective	ADJ
ajis02-2579	295	8	competition	competition	NOUN
ajis02-2579	295	9	between	between	ADP
ajis02-2579	295	10	mobile	mobile	ADJ
ajis02-2579	295	11	money	money	NOUN
ajis02-2579	295	12	providers	provider	NOUN
ajis02-2579	295	13	,	,	PUNCT
ajis02-2579	295	14	ensuring	ensure	VERB
ajis02-2579	295	15	that	that	SCONJ
ajis02-2579	295	16	prices	price	NOUN
ajis02-2579	295	17	are	be	AUX
ajis02-2579	295	18	kept	keep	VERB
ajis02-2579	295	19	low	low	ADJ
ajis02-2579	295	20	for	for	ADP
ajis02-2579	295	21	everybody	everybody	PRON
ajis02-2579	295	22	.	.	PUNCT
ajis02-2579	296	1	previous	previous	ADJ
ajis02-2579	296	2	user	user	NOUN
ajis02-2579	296	3	experience	experience	NOUN
ajis02-2579	296	4	of	of	ADP
ajis02-2579	296	5	mobile	mobile	ADJ
ajis02-2579	296	6	money	money	NOUN
ajis02-2579	296	7	platforms	platform	NOUN
ajis02-2579	296	8	and	and	CCONJ
ajis02-2579	296	9	brand	brand	NOUN
ajis02-2579	296	10	reputations	reputation	NOUN
ajis02-2579	296	11	will	will	AUX
ajis02-2579	296	12	also	also	ADV
ajis02-2579	296	13	influence	influence	VERB
ajis02-2579	296	14	one	one	NUM
ajis02-2579	296	15	’s	’s	PART
ajis02-2579	296	16	intentions	intention	NOUN
ajis02-2579	296	17	to	to	PART
ajis02-2579	296	18	adopt	adopt	VERB
ajis02-2579	296	19	and	and	CCONJ
ajis02-2579	296	20	to	to	PART
ajis02-2579	296	21	keep	keep	VERB
ajis02-2579	296	22	using	use	VERB
ajis02-2579	296	23	mobile	mobile	ADJ
ajis02-2579	296	24	money	money	NOUN
ajis02-2579	296	25	.	.	PUNCT
ajis02-2579	297	1	prior	prior	ADJ
ajis02-2579	297	2	experience	experience	NOUN
ajis02-2579	297	3	with	with	ADP
ajis02-2579	297	4	the	the	DET
ajis02-2579	297	5	technology	technology	NOUN
ajis02-2579	297	6	reduces	reduce	VERB
ajis02-2579	297	7	one	one	NUM
ajis02-2579	297	8	’s	’s	PART
ajis02-2579	297	9	dependence	dependence	NOUN
ajis02-2579	297	10	on	on	ADP
ajis02-2579	297	11	external	external	ADJ
ajis02-2579	297	12	support	support	NOUN
ajis02-2579	297	13	to	to	PART
ajis02-2579	297	14	use	use	VERB
ajis02-2579	297	15	mobile	mobile	ADJ
ajis02-2579	297	16	money	money	NOUN
ajis02-2579	297	17	(	(	PUNCT
ajis02-2579	297	18	venkatesh	venkatesh	NOUN
ajis02-2579	297	19	et	et	PROPN
ajis02-2579	297	20	al	al	PROPN
ajis02-2579	297	21	.	.	PROPN
ajis02-2579	297	22	,	,	PUNCT
ajis02-2579	297	23	2012	2012	NUM
ajis02-2579	297	24	)	)	PUNCT
ajis02-2579	297	25	.	.	PUNCT
ajis02-2579	298	1	the	the	DET
ajis02-2579	298	2	intuitive	intuitive	ADJ
ajis02-2579	298	3	interface	interface	NOUN
ajis02-2579	298	4	of	of	ADP
ajis02-2579	298	5	mobile	mobile	ADJ
ajis02-2579	298	6	money	money	NOUN
ajis02-2579	298	7	platforms	platform	NOUN
ajis02-2579	298	8	(	(	PUNCT
ajis02-2579	298	9	mcgrath	mcgrath	PROPN
ajis02-2579	298	10	and	and	CCONJ
ajis02-2579	298	11	lonie	lonie	PROPN
ajis02-2579	298	12	2013	2013	NUM
ajis02-2579	298	13	)	)	PUNCT
ajis02-2579	298	14	can	can	AUX
ajis02-2579	298	15	lead	lead	VERB
ajis02-2579	298	16	to	to	ADP
ajis02-2579	298	17	positive	positive	ADJ
ajis02-2579	298	18	attitudes	attitude	NOUN
ajis02-2579	298	19	towards	towards	ADP
ajis02-2579	298	20	adoption	adoption	NOUN
ajis02-2579	298	21	.	.	PUNCT
ajis02-2579	299	1	according	accord	VERB
ajis02-2579	299	2	to	to	ADP
ajis02-2579	299	3	wu	wu	PROPN
ajis02-2579	299	4	and	and	CCONJ
ajis02-2579	299	5	wang	wang	PROPN
ajis02-2579	299	6	(	(	PUNCT
ajis02-2579	299	7	2005	2005	NUM
ajis02-2579	299	8	)	)	PUNCT
ajis02-2579	299	9	,	,	PUNCT
ajis02-2579	299	10	the	the	DET
ajis02-2579	299	11	extent	extent	NOUN
ajis02-2579	299	12	to	to	PART
ajis02-2579	299	13	which	which	PRON
ajis02-2579	299	14	a	a	DET
ajis02-2579	299	15	new	new	ADJ
ajis02-2579	299	16	system	system	NOUN
ajis02-2579	299	17	is	be	AUX
ajis02-2579	299	18	consistent	consistent	ADJ
ajis02-2579	299	19	with	with	ADP
ajis02-2579	299	20	those	those	PRON
ajis02-2579	299	21	previously	previously	ADV
ajis02-2579	299	22	used	use	VERB
ajis02-2579	299	23	by	by	ADP
ajis02-2579	299	24	the	the	DET
ajis02-2579	299	25	user	user	NOUN
ajis02-2579	299	26	strongly	strongly	ADV
ajis02-2579	299	27	influences	influence	VERB
ajis02-2579	299	28	perceptions	perception	NOUN
ajis02-2579	299	29	of	of	ADP
ajis02-2579	299	30	that	that	DET
ajis02-2579	299	31	new	new	ADJ
ajis02-2579	299	32	system	system	NOUN
ajis02-2579	299	33	’s	’s	PART
ajis02-2579	299	34	ease	ease	NOUN
ajis02-2579	299	35	of	of	ADP
ajis02-2579	299	36	use	use	NOUN
ajis02-2579	299	37	.	.	PUNCT
ajis02-2579	300	1	the	the	DET
ajis02-2579	300	2	use	use	NOUN
ajis02-2579	300	3	of	of	ADP
ajis02-2579	300	4	mobile	mobile	ADJ
ajis02-2579	300	5	money	money	NOUN
ajis02-2579	300	6	by	by	ADP
ajis02-2579	300	7	women	woman	NOUN
ajis02-2579	300	8	is	be	AUX
ajis02-2579	300	9	found	find	VERB
ajis02-2579	300	10	to	to	PART
ajis02-2579	300	11	be	be	AUX
ajis02-2579	300	12	negative	negative	ADJ
ajis02-2579	300	13	and	and	CCONJ
ajis02-2579	300	14	moderately	moderately	ADV
ajis02-2579	300	15	significant	significant	ADJ
ajis02-2579	300	16	.	.	PUNCT
ajis02-2579	301	1	this	this	PRON
ajis02-2579	301	2	confirms	confirm	VERB
ajis02-2579	301	3	the	the	DET
ajis02-2579	301	4	hypothesis	hypothesis	NOUN
ajis02-2579	301	5	that	that	PRON
ajis02-2579	301	6	females	female	NOUN
ajis02-2579	301	7	tend	tend	VERB
ajis02-2579	301	8	to	to	PART
ajis02-2579	301	9	depend	depend	VERB
ajis02-2579	301	10	on	on	ADP
ajis02-2579	301	11	men	man	NOUN
ajis02-2579	301	12	for	for	ADP
ajis02-2579	301	13	engaging	engage	VERB
ajis02-2579	301	14	with	with	ADP
ajis02-2579	301	15	new	new	ADJ
ajis02-2579	301	16	information	information	NOUN
ajis02-2579	301	17	systems	system	NOUN
ajis02-2579	301	18	,	,	PUNCT
ajis02-2579	301	19	which	which	PRON
ajis02-2579	301	20	is	be	AUX
ajis02-2579	301	21	in	in	ADP
ajis02-2579	301	22	line	line	NOUN
ajis02-2579	301	23	with	with	ADP
ajis02-2579	301	24	the	the	DET
ajis02-2579	301	25	findings	finding	NOUN
ajis02-2579	301	26	of	of	ADP
ajis02-2579	301	27	venkatesh	venkatesh	PROPN
ajis02-2579	301	28	et	et	PROPN
ajis02-2579	301	29	al	al	PROPN
ajis02-2579	301	30	.	.	PROPN
ajis02-2579	302	1	(	(	PUNCT
ajis02-2579	302	2	2012	2012	NUM
ajis02-2579	302	3	)	)	PUNCT
ajis02-2579	302	4	.	.	PUNCT
ajis02-2579	303	1	our	our	PRON
ajis02-2579	303	2	findings	finding	NOUN
ajis02-2579	303	3	with	with	ADP
ajis02-2579	303	4	regard	regard	NOUN
ajis02-2579	303	5	to	to	ADP
ajis02-2579	303	6	rural	rural	ADJ
ajis02-2579	303	7	dwelling	dwelling	NOUN
ajis02-2579	303	8	and	and	CCONJ
ajis02-2579	303	9	the	the	DET
ajis02-2579	303	10	perceived	perceive	VERB
ajis02-2579	303	11	usefulness	usefulness	NOUN
ajis02-2579	303	12	of	of	ADP
ajis02-2579	303	13	mobile	mobile	ADJ
ajis02-2579	303	14	money	money	NOUN
ajis02-2579	303	15	supports	support	VERB
ajis02-2579	303	16	our	our	PRON
ajis02-2579	303	17	hypothesis	hypothesis	NOUN
ajis02-2579	303	18	and	and	CCONJ
ajis02-2579	303	19	existing	exist	VERB
ajis02-2579	303	20	literature	literature	NOUN
ajis02-2579	303	21	in	in	ADP
ajis02-2579	303	22	that	that	DET
ajis02-2579	303	23	mobile	mobile	ADJ
ajis02-2579	303	24	money	money	NOUN
ajis02-2579	303	25	adoption	adoption	NOUN
ajis02-2579	303	26	and	and	CCONJ
ajis02-2579	303	27	usage	usage	NOUN
ajis02-2579	303	28	is	be	AUX
ajis02-2579	303	29	concentrated	concentrate	VERB
ajis02-2579	303	30	in	in	ADP
ajis02-2579	303	31	cities	city	NOUN
ajis02-2579	303	32	and	and	CCONJ
ajis02-2579	303	33	urban	urban	ADJ
ajis02-2579	303	34	centres	centre	NOUN
ajis02-2579	303	35	(	(	PUNCT
ajis02-2579	303	36	aker	aker	NOUN
ajis02-2579	303	37	et	et	PROPN
ajis02-2579	303	38	al	al	PROPN
ajis02-2579	303	39	.	.	PROPN
ajis02-2579	303	40	,	,	PUNCT
ajis02-2579	303	41	2016	2016	NUM
ajis02-2579	303	42	;	;	PUNCT
ajis02-2579	303	43	aker	aker	NOUN
ajis02-2579	303	44	and	and	CCONJ
ajis02-2579	303	45	mbiti	mbiti	NOUN
ajis02-2579	303	46	,	,	PUNCT
ajis02-2579	303	47	2010	2010	NUM
ajis02-2579	303	48	;	;	PUNCT
ajis02-2579	303	49	asongu	asongu	PROPN
ajis02-2579	303	50	,	,	PUNCT
ajis02-2579	303	51	2015	2015	NUM
ajis02-2579	303	52	;	;	PUNCT
ajis02-2579	303	53	donovan	donovan	PROPN
ajis02-2579	303	54	,	,	PUNCT
ajis02-2579	303	55	2012	2012	NUM
ajis02-2579	303	56	)	)	PUNCT
ajis02-2579	303	57	.	.	PUNCT
ajis02-2579	304	1	although	although	SCONJ
ajis02-2579	304	2	adoption	adoption	NOUN
ajis02-2579	304	3	of	of	ADP
ajis02-2579	304	4	mobile	mobile	ADJ
ajis02-2579	304	5	money	money	NOUN
ajis02-2579	304	6	is	be	AUX
ajis02-2579	304	7	starting	start	VERB
ajis02-2579	304	8	to	to	PART
ajis02-2579	304	9	grow	grow	VERB
ajis02-2579	304	10	in	in	ADP
ajis02-2579	304	11	rural	rural	ADJ
ajis02-2579	304	12	areas	area	NOUN
ajis02-2579	304	13	,	,	PUNCT
ajis02-2579	304	14	there	there	PRON
ajis02-2579	304	15	remains	remain	VERB
ajis02-2579	304	16	a	a	DET
ajis02-2579	304	17	great	great	ADJ
ajis02-2579	304	18	disparity	disparity	NOUN
ajis02-2579	304	19	between	between	ADP
ajis02-2579	304	20	rural	rural	ADJ
ajis02-2579	304	21	uptake	uptake	NOUN
ajis02-2579	304	22	and	and	CCONJ
ajis02-2579	304	23	adoption	adoption	NOUN
ajis02-2579	304	24	levels	level	NOUN
ajis02-2579	304	25	in	in	ADP
ajis02-2579	304	26	urban	urban	ADJ
ajis02-2579	304	27	centres	centre	NOUN
ajis02-2579	304	28	,	,	PUNCT
ajis02-2579	304	29	which	which	PRON
ajis02-2579	304	30	reflects	reflect	VERB
ajis02-2579	304	31	the	the	DET
ajis02-2579	304	32	underdevelopment	underdevelopment	NOUN
ajis02-2579	304	33	of	of	ADP
ajis02-2579	304	34	infrastructures	infrastructure	NOUN
ajis02-2579	304	35	in	in	ADP
ajis02-2579	304	36	rural	rural	ADJ
ajis02-2579	304	37	areas	area	NOUN
ajis02-2579	304	38	of	of	ADP
ajis02-2579	304	39	africa	africa	PROPN
ajis02-2579	304	40	(	(	PUNCT
ajis02-2579	304	41	mas	mas	PROPN
ajis02-2579	304	42	and	and	CCONJ
ajis02-2579	304	43	kumar	kumar	PROPN
ajis02-2579	304	44	,	,	PUNCT
ajis02-2579	304	45	2008	2008	NUM
ajis02-2579	304	46	,	,	PUNCT
ajis02-2579	304	47	rubin	rubin	PROPN
ajis02-2579	304	48	,	,	PUNCT
ajis02-2579	304	49	2017	2017	NUM
ajis02-2579	304	50	)	)	PUNCT
ajis02-2579	304	51	.	.	PUNCT
ajis02-2579	305	1	a	a	DET
ajis02-2579	305	2	comparison	comparison	NOUN
ajis02-2579	305	3	between	between	ADP
ajis02-2579	305	4	the	the	DET
ajis02-2579	305	5	transaction	transaction	NOUN
ajis02-2579	305	6	costs	cost	NOUN
ajis02-2579	305	7	associated	associate	VERB
ajis02-2579	305	8	with	with	ADP
ajis02-2579	305	9	mobile	mobile	ADJ
ajis02-2579	305	10	money	money	NOUN
ajis02-2579	305	11	services	service	NOUN
ajis02-2579	305	12	and	and	CCONJ
ajis02-2579	305	13	those	those	PRON
ajis02-2579	305	14	of	of	ADP
ajis02-2579	305	15	traditional	traditional	ADJ
ajis02-2579	305	16	money	money	NOUN
ajis02-2579	305	17	transfer	transfer	NOUN
ajis02-2579	305	18	systems	system	NOUN
ajis02-2579	305	19	in	in	ADP
ajis02-2579	305	20	africa	africa	PROPN
ajis02-2579	305	21	indicates	indicate	VERB
ajis02-2579	305	22	that	that	SCONJ
ajis02-2579	305	23	mobile	mobile	ADJ
ajis02-2579	305	24	money	money	NOUN
ajis02-2579	305	25	has	have	VERB
ajis02-2579	305	26	advantages	advantage	NOUN
ajis02-2579	305	27	(	(	PUNCT
ajis02-2579	305	28	aker	aker	NOUN
ajis02-2579	305	29	and	and	CCONJ
ajis02-2579	305	30	mbiti	mbiti	NOUN
ajis02-2579	305	31	,	,	PUNCT
ajis02-2579	305	32	2010	2010	NUM
ajis02-2579	305	33	;	;	PUNCT
ajis02-2579	305	34	jack	jack	PROPN
ajis02-2579	305	35	and	and	CCONJ
ajis02-2579	305	36	suri	suri	PROPN
ajis02-2579	305	37	,	,	PUNCT
ajis02-2579	305	38	2014	2014	NUM
ajis02-2579	305	39	)	)	PUNCT
ajis02-2579	305	40	.	.	PUNCT
ajis02-2579	306	1	the	the	DET
ajis02-2579	306	2	fast	fast	ADJ
ajis02-2579	306	3	and	and	CCONJ
ajis02-2579	306	4	secure	secure	ADJ
ajis02-2579	306	5	nature	nature	NOUN
ajis02-2579	306	6	of	of	ADP
ajis02-2579	306	7	mobile	mobile	ADJ
ajis02-2579	306	8	money	money	NOUN
ajis02-2579	306	9	services	service	NOUN
ajis02-2579	306	10	also	also	ADV
ajis02-2579	306	11	contribute	contribute	VERB
ajis02-2579	306	12	to	to	ADP
ajis02-2579	306	13	the	the	DET
ajis02-2579	306	14	reduction	reduction	NOUN
ajis02-2579	306	15	in	in	ADP
ajis02-2579	306	16	costs	cost	NOUN
ajis02-2579	306	17	,	,	PUNCT
ajis02-2579	306	18	further	far	ADV
ajis02-2579	306	19	reinforcing	reinforce	VERB
ajis02-2579	306	20	its	its	PRON
ajis02-2579	306	21	perceived	perceive	VERB
ajis02-2579	306	22	usefulness	usefulness	NOUN
ajis02-2579	306	23	(	(	PUNCT
ajis02-2579	306	24	aker	aker	NOUN
ajis02-2579	306	25	et	et	PROPN
ajis02-2579	306	26	al	al	PROPN
ajis02-2579	306	27	.	.	PROPN
ajis02-2579	306	28	,	,	PUNCT
ajis02-2579	306	29	2016	2016	NUM
ajis02-2579	306	30	;	;	PUNCT
ajis02-2579	306	31	gsma	gsma	NOUN
ajis02-2579	306	32	,	,	PUNCT
ajis02-2579	306	33	2016	2016	NUM
ajis02-2579	306	34	;	;	PUNCT
ajis02-2579	306	35	jack	jack	PROPN
ajis02-2579	306	36	and	and	CCONJ
ajis02-2579	306	37	suri	suri	PROPN
ajis02-2579	306	38	,	,	PUNCT
ajis02-2579	306	39	2011	2011	NUM
ajis02-2579	306	40	;	;	PUNCT
ajis02-2579	306	41	mas	mas	PROPN
ajis02-2579	306	42	and	and	CCONJ
ajis02-2579	306	43	kumar	kumar	PROPN
ajis02-2579	306	44	,	,	PUNCT
ajis02-2579	306	45	2008	2008	NUM
ajis02-2579	306	46	)	)	PUNCT
ajis02-2579	306	47	.	.	PUNCT
ajis02-2579	307	1	individual	individual	ADJ
ajis02-2579	307	2	attitudes	attitude	NOUN
ajis02-2579	307	3	towards	towards	ADP
ajis02-2579	307	4	mobile	mobile	ADJ
ajis02-2579	307	5	money	money	NOUN
ajis02-2579	307	6	are	be	AUX
ajis02-2579	307	7	an	an	DET
ajis02-2579	307	8	important	important	ADJ
ajis02-2579	307	9	factor	factor	NOUN
ajis02-2579	307	10	for	for	ADP
ajis02-2579	307	11	its	its	PRON
ajis02-2579	307	12	adoption	adoption	NOUN
ajis02-2579	307	13	and	and	CCONJ
ajis02-2579	307	14	use	use	NOUN
ajis02-2579	307	15	in	in	ADP
ajis02-2579	307	16	africa	africa	PROPN
ajis02-2579	307	17	.	.	PUNCT
ajis02-2579	308	1	we	we	PRON
ajis02-2579	308	2	defined	define	VERB
ajis02-2579	308	3	this	this	DET
ajis02-2579	308	4	factor	factor	NOUN
ajis02-2579	308	5	with	with	ADP
ajis02-2579	308	6	a	a	DET
ajis02-2579	308	7	proxy	proxy	NOUN
ajis02-2579	308	8	-the	-the	DET
ajis02-2579	308	9	percentage	percentage	NOUN
ajis02-2579	308	10	of	of	ADP
ajis02-2579	308	11	mobile	mobile	ADJ
ajis02-2579	308	12	subscribers	subscriber	NOUN
ajis02-2579	308	13	per	per	ADP
ajis02-2579	308	14	100	100	NUM
ajis02-2579	308	15	inhabitants	inhabitant	NOUN
ajis02-2579	308	16	-and	-and	NUM
ajis02-2579	308	17	found	find	VERB
ajis02-2579	308	18	a	a	DET
ajis02-2579	308	19	positive	positive	ADJ
ajis02-2579	308	20	and	and	CCONJ
ajis02-2579	308	21	significant	significant	ADJ
ajis02-2579	308	22	correlation	correlation	NOUN
ajis02-2579	308	23	.	.	PUNCT
ajis02-2579	309	1	the	the	DET
ajis02-2579	309	2	data	datum	NOUN
ajis02-2579	309	3	also	also	ADV
ajis02-2579	309	4	provides	provide	VERB
ajis02-2579	309	5	evidence	evidence	NOUN
ajis02-2579	309	6	to	to	ADP
ajis02-2579	309	7	this	this	DET
ajis02-2579	309	8	effect	effect	NOUN
ajis02-2579	309	9	.	.	PUNCT
ajis02-2579	310	1	for	for	ADP
ajis02-2579	310	2	instance	instance	NOUN
ajis02-2579	310	3	,	,	PUNCT
ajis02-2579	310	4	the	the	DET
ajis02-2579	310	5	data	datum	NOUN
ajis02-2579	310	6	for	for	ADP
ajis02-2579	310	7	attitude	attitude	NOUN
ajis02-2579	310	8	towards	towards	ADP
ajis02-2579	310	9	mobile	mobile	ADJ
ajis02-2579	310	10	money	money	NOUN
ajis02-2579	310	11	for	for	ADP
ajis02-2579	310	12	south	south	PROPN
ajis02-2579	310	13	africa	africa	PROPN
ajis02-2579	310	14	,	,	PUNCT
ajis02-2579	310	15	mauritius	mauritius	PROPN
ajis02-2579	310	16	and	and	CCONJ
ajis02-2579	310	17	ghana	ghana	PROPN
ajis02-2579	310	18	are	be	AUX
ajis02-2579	310	19	147.13	147.13	NUM
ajis02-2579	310	20	%	%	NOUN
ajis02-2579	310	21	,	,	PUNCT
ajis02-2579	310	22	143.73	143.73	NUM
ajis02-2579	310	23	%	%	NOUN
ajis02-2579	310	24	and	and	CCONJ
ajis02-2579	310	25	135.8	135.8	NUM
ajis02-2579	310	26	%	%	NOUN
ajis02-2579	310	27	respectively	respectively	ADV
ajis02-2579	310	28	.	.	PUNCT
ajis02-2579	311	1	the	the	DET
ajis02-2579	311	2	positive	positive	ADJ
ajis02-2579	311	3	attitudes	attitude	NOUN
ajis02-2579	311	4	of	of	ADP
ajis02-2579	311	5	african	african	ADJ
ajis02-2579	311	6	people	people	NOUN
ajis02-2579	311	7	towards	towards	ADP
ajis02-2579	311	8	mobile	mobile	ADJ
ajis02-2579	311	9	money	money	NOUN
ajis02-2579	311	10	reflects	reflect	VERB
ajis02-2579	311	11	its	its	PRON
ajis02-2579	311	12	convenient	convenient	ADJ
ajis02-2579	311	13	,	,	PUNCT
ajis02-2579	311	14	secure	secure	ADJ
ajis02-2579	311	15	and	and	CCONJ
ajis02-2579	311	16	fast	fast	ADJ
ajis02-2579	311	17	nature	nature	NOUN
ajis02-2579	311	18	,	,	PUNCT
ajis02-2579	311	19	but	but	CCONJ
ajis02-2579	311	20	it	it	PRON
ajis02-2579	311	21	also	also	ADV
ajis02-2579	311	22	exposes	expose	VERB
ajis02-2579	311	23	the	the	DET
ajis02-2579	311	24	inadequate	inadequate	ADJ
ajis02-2579	311	25	and	and	CCONJ
ajis02-2579	311	26	underdeveloped	underdeveloped	ADJ
ajis02-2579	311	27	nature	nature	NOUN
ajis02-2579	311	28	of	of	ADP
ajis02-2579	311	29	other	other	ADJ
ajis02-2579	311	30	payment	payment	NOUN
ajis02-2579	311	31	systems	system	NOUN
ajis02-2579	311	32	in	in	ADP
ajis02-2579	311	33	africa	africa	PROPN
ajis02-2579	311	34	.	.	PUNCT
ajis02-2579	312	1	for	for	ADP
ajis02-2579	312	2	the	the	DET
ajis02-2579	312	3	controls	control	NOUN
ajis02-2579	312	4	,	,	PUNCT
ajis02-2579	312	5	we	we	PRON
ajis02-2579	312	6	find	find	VERB
ajis02-2579	312	7	negative	negative	ADJ
ajis02-2579	312	8	and	and	CCONJ
ajis02-2579	312	9	insignificant	insignificant	ADJ
ajis02-2579	312	10	coefficients	coefficient	NOUN
ajis02-2579	312	11	for	for	ADP
ajis02-2579	312	12	age	age	NOUN
ajis02-2579	312	13	and	and	CCONJ
ajis02-2579	312	14	income	income	NOUN
ajis02-2579	312	15	but	but	CCONJ
ajis02-2579	312	16	positive	positive	ADJ
ajis02-2579	312	17	and	and	CCONJ
ajis02-2579	312	18	significant	significant	ADJ
ajis02-2579	312	19	values	value	NOUN
ajis02-2579	312	20	for	for	ADP
ajis02-2579	312	21	provider	provider	NOUN
ajis02-2579	312	22	size	size	NOUN
ajis02-2579	312	23	and	and	CCONJ
ajis02-2579	312	24	ability	ability	NOUN
ajis02-2579	312	25	to	to	PART
ajis02-2579	312	26	market	market	VERB
ajis02-2579	312	27	mobile	mobile	ADJ
ajis02-2579	312	28	money	money	NOUN
ajis02-2579	312	29	products	product	NOUN
ajis02-2579	312	30	and	and	CCONJ
ajis02-2579	312	31	services	service	NOUN
ajis02-2579	312	32	.	.	PUNCT
ajis02-2579	313	1	the	the	DET
ajis02-2579	313	2	result	result	NOUN
ajis02-2579	313	3	is	be	AUX
ajis02-2579	313	4	consistent	consistent	ADJ
ajis02-2579	313	5	with	with	ADP
ajis02-2579	313	6	the	the	DET
ajis02-2579	313	7	literature	literature	NOUN
ajis02-2579	313	8	that	that	PRON
ajis02-2579	313	9	adults	adult	NOUN
ajis02-2579	313	10	aged	age	VERB
ajis02-2579	313	11	65	65	NUM
ajis02-2579	313	12	years	year	NOUN
ajis02-2579	313	13	and	and	CCONJ
ajis02-2579	313	14	over	over	ADV
ajis02-2579	313	15	are	be	AUX
ajis02-2579	313	16	less	less	ADV
ajis02-2579	313	17	likely	likely	ADJ
ajis02-2579	313	18	to	to	PART
ajis02-2579	313	19	adopt	adopt	VERB
ajis02-2579	313	20	mobile	mobile	ADJ
ajis02-2579	313	21	money	money	NOUN
ajis02-2579	313	22	because	because	SCONJ
ajis02-2579	313	23	of	of	ADP
ajis02-2579	313	24	the	the	DET
ajis02-2579	313	25	technical	technical	ADJ
ajis02-2579	313	26	knowledge	knowledge	NOUN
ajis02-2579	313	27	associated	associate	VERB
ajis02-2579	313	28	with	with	ADP
ajis02-2579	313	29	it	it	PRON
ajis02-2579	313	30	(	(	PUNCT
ajis02-2579	313	31	zimmerman	zimmerman	NOUN
ajis02-2579	313	32	and	and	CCONJ
ajis02-2579	313	33	arnold	arnold	PROPN
ajis02-2579	313	34	,	,	PUNCT
ajis02-2579	313	35	2013	2013	NUM
ajis02-2579	313	36	)	)	PUNCT
ajis02-2579	313	37	.	.	PUNCT
ajis02-2579	314	1	also	also	ADV
ajis02-2579	314	2	,	,	PUNCT
ajis02-2579	314	3	most	most	ADJ
ajis02-2579	314	4	african	african	ADJ
ajis02-2579	314	5	countries	country	NOUN
ajis02-2579	314	6	restrict	restrict	VERB
ajis02-2579	314	7	people	people	NOUN
ajis02-2579	314	8	below	below	ADP
ajis02-2579	314	9	the	the	DET
ajis02-2579	314	10	age	age	NOUN
ajis02-2579	314	11	of	of	ADP
ajis02-2579	314	12	18	18	NUM
ajis02-2579	314	13	from	from	ADP
ajis02-2579	314	14	purchasing	purchase	VERB
ajis02-2579	314	15	sim	sim	ADJ
ajis02-2579	314	16	cards	card	NOUN
ajis02-2579	314	17	which	which	PRON
ajis02-2579	314	18	may	may	AUX
ajis02-2579	314	19	hinder	hinder	VERB
ajis02-2579	314	20	this	this	DET
ajis02-2579	314	21	group	group	NOUN
ajis02-2579	314	22	from	from	ADP
ajis02-2579	314	23	using	use	VERB
ajis02-2579	314	24	mobile	mobile	ADJ
ajis02-2579	314	25	money	money	NOUN
ajis02-2579	314	26	even	even	ADV
ajis02-2579	314	27	if	if	SCONJ
ajis02-2579	314	28	they	they	PRON
ajis02-2579	314	29	may	may	AUX
ajis02-2579	314	30	have	have	VERB
ajis02-2579	314	31	access	access	NOUN
ajis02-2579	314	32	to	to	ADP
ajis02-2579	314	33	mobile	mobile	ADJ
ajis02-2579	314	34	phones	phone	NOUN
ajis02-2579	314	35	(	(	PUNCT
ajis02-2579	314	36	zimmerman	zimmerman	NOUN
ajis02-2579	314	37	and	and	CCONJ
ajis02-2579	314	38	arnold	arnold	PROPN
ajis02-2579	314	39	,	,	PUNCT
ajis02-2579	314	40	2013	2013	NUM
ajis02-2579	314	41	)	)	PUNCT
ajis02-2579	314	42	.	.	PUNCT
ajis02-2579	315	1	the	the	DET
ajis02-2579	315	2	use	use	NOUN
ajis02-2579	315	3	of	of	ADP
ajis02-2579	315	4	income	income	NOUN
ajis02-2579	315	5	to	to	ADP
ajis02-2579	315	6	australasian	australasian	ADJ
ajis02-2579	315	7	journal	journal	NOUN
ajis02-2579	315	8	of	of	ADP
ajis02-2579	315	9	information	information	NOUN
ajis02-2579	315	10	systems	system	NOUN
ajis02-2579	315	11	alhassan	alhassan	PROPN
ajis02-2579	315	12	,	,	PUNCT
ajis02-2579	315	13	li	li	PROPN
ajis02-2579	315	14	,	,	PUNCT
ajis02-2579	315	15	reddy	reddy	PROPN
ajis02-2579	315	16	&	&	CCONJ
ajis02-2579	315	17	duppati	duppati	PROPN
ajis02-2579	315	18	2020	2020	NUM
ajis02-2579	315	19	,	,	PUNCT
ajis02-2579	315	20	vol	vol	NOUN
ajis02-2579	315	21	24	24	NUM
ajis02-2579	315	22	,	,	PUNCT
ajis02-2579	315	23	research	research	NOUN
ajis02-2579	315	24	article	article	NOUN
ajis02-2579	315	25	consumer	consumer	NOUN
ajis02-2579	315	26	acceptance	acceptance	NOUN
ajis02-2579	315	27	and	and	CCONJ
ajis02-2579	315	28	continuance	continuance	NOUN
ajis02-2579	315	29	of	of	ADP
ajis02-2579	315	30	mobile	mobile	ADJ
ajis02-2579	315	31	money	money	NOUN
ajis02-2579	315	32	19	19	NUM
ajis02-2579	315	33	gauge	gauge	NOUN
ajis02-2579	315	34	uptake	uptake	NOUN
ajis02-2579	315	35	of	of	ADP
ajis02-2579	315	36	mobile	mobile	ADJ
ajis02-2579	315	37	money	money	NOUN
ajis02-2579	315	38	needs	need	VERB
ajis02-2579	315	39	further	further	ADJ
ajis02-2579	315	40	analysis	analysis	NOUN
ajis02-2579	315	41	as	as	SCONJ
ajis02-2579	315	42	the	the	DET
ajis02-2579	315	43	number	number	NOUN
ajis02-2579	315	44	of	of	ADP
ajis02-2579	315	45	mobile	mobile	ADJ
ajis02-2579	315	46	phones	phone	NOUN
ajis02-2579	315	47	per	per	ADP
ajis02-2579	315	48	head	head	NOUN
ajis02-2579	315	49	belies	belie	VERB
ajis02-2579	315	50	the	the	DET
ajis02-2579	315	51	widespread	widespread	ADJ
ajis02-2579	315	52	poverty	poverty	NOUN
ajis02-2579	315	53	in	in	ADP
ajis02-2579	315	54	africa	africa	PROPN
ajis02-2579	315	55	.	.	PUNCT
ajis02-2579	316	1	provider	provider	NOUN
ajis02-2579	316	2	size	size	NOUN
ajis02-2579	316	3	and	and	CCONJ
ajis02-2579	316	4	marketing	marketing	NOUN
ajis02-2579	316	5	is	be	AUX
ajis02-2579	316	6	important	important	ADJ
ajis02-2579	316	7	,	,	PUNCT
ajis02-2579	316	8	and	and	CCONJ
ajis02-2579	316	9	each	each	DET
ajis02-2579	316	10	mno	mno	PROPN
ajis02-2579	316	11	’s	’s	PART
ajis02-2579	316	12	strategy	strategy	NOUN
ajis02-2579	316	13	is	be	AUX
ajis02-2579	316	14	to	to	PART
ajis02-2579	316	15	capture	capture	VERB
ajis02-2579	316	16	the	the	DET
ajis02-2579	316	17	greatest	great	ADJ
ajis02-2579	316	18	market	market	NOUN
ajis02-2579	316	19	share	share	NOUN
ajis02-2579	316	20	in	in	ADP
ajis02-2579	316	21	order	order	NOUN
ajis02-2579	316	22	to	to	PART
ajis02-2579	316	23	enjoy	enjoy	VERB
ajis02-2579	316	24	economies	economy	NOUN
ajis02-2579	316	25	of	of	ADP
ajis02-2579	316	26	scale	scale	NOUN
ajis02-2579	316	27	.	.	PUNCT
ajis02-2579	317	1	6.3	6.3	NUM
ajis02-2579	317	2	managerial	managerial	ADJ
ajis02-2579	317	3	implications	implication	NOUN
ajis02-2579	317	4	this	this	DET
ajis02-2579	317	5	study	study	NOUN
ajis02-2579	317	6	reveals	reveal	VERB
ajis02-2579	317	7	that	that	SCONJ
ajis02-2579	317	8	organisational	organisational	ADJ
ajis02-2579	317	9	support	support	NOUN
ajis02-2579	317	10	is	be	AUX
ajis02-2579	317	11	required	require	VERB
ajis02-2579	317	12	to	to	PART
ajis02-2579	317	13	promote	promote	VERB
ajis02-2579	317	14	consumer	consumer	NOUN
ajis02-2579	317	15	adoption	adoption	NOUN
ajis02-2579	317	16	and	and	CCONJ
ajis02-2579	317	17	ongoing	ongoing	ADJ
ajis02-2579	317	18	usage	usage	NOUN
ajis02-2579	317	19	of	of	ADP
ajis02-2579	317	20	mobile	mobile	ADJ
ajis02-2579	317	21	money	money	NOUN
ajis02-2579	317	22	.	.	PUNCT
ajis02-2579	318	1	this	this	PRON
ajis02-2579	318	2	can	can	AUX
ajis02-2579	318	3	be	be	AUX
ajis02-2579	318	4	done	do	VERB
ajis02-2579	318	5	through	through	ADP
ajis02-2579	318	6	the	the	DET
ajis02-2579	318	7	provision	provision	NOUN
ajis02-2579	318	8	of	of	ADP
ajis02-2579	318	9	incentives	incentive	NOUN
ajis02-2579	318	10	and	and	CCONJ
ajis02-2579	318	11	through	through	ADP
ajis02-2579	318	12	strengthening	strengthen	VERB
ajis02-2579	318	13	end	end	NOUN
ajis02-2579	318	14	-	-	PUNCT
ajis02-2579	318	15	user	user	NOUN
ajis02-2579	318	16	support	support	NOUN
ajis02-2579	318	17	so	so	ADV
ajis02-2579	318	18	as	as	SCONJ
ajis02-2579	318	19	instil	instil	NOUN
ajis02-2579	318	20	confidence	confidence	NOUN
ajis02-2579	318	21	among	among	ADP
ajis02-2579	318	22	users	user	NOUN
ajis02-2579	318	23	.	.	PUNCT
ajis02-2579	319	1	it	it	PRON
ajis02-2579	319	2	also	also	ADV
ajis02-2579	319	3	revealed	reveal	VERB
ajis02-2579	319	4	that	that	SCONJ
ajis02-2579	319	5	mnos	mno	NOUN
ajis02-2579	319	6	use	use	VERB
ajis02-2579	319	7	marketing	marketing	NOUN
ajis02-2579	319	8	communications	communication	NOUN
ajis02-2579	319	9	like	like	ADP
ajis02-2579	319	10	advertisements	advertisement	NOUN
ajis02-2579	319	11	to	to	PART
ajis02-2579	319	12	encourage	encourage	VERB
ajis02-2579	319	13	consumers	consumer	NOUN
ajis02-2579	319	14	to	to	PART
ajis02-2579	319	15	adopt	adopt	VERB
ajis02-2579	319	16	and	and	CCONJ
ajis02-2579	319	17	to	to	PART
ajis02-2579	319	18	continue	continue	VERB
ajis02-2579	319	19	using	use	VERB
ajis02-2579	319	20	mobile	mobile	ADJ
ajis02-2579	319	21	money	money	NOUN
ajis02-2579	319	22	.	.	PUNCT
ajis02-2579	320	1	managers	manager	NOUN
ajis02-2579	320	2	of	of	ADP
ajis02-2579	320	3	mobile	mobile	ADJ
ajis02-2579	320	4	money	money	NOUN
ajis02-2579	320	5	services	service	NOUN
ajis02-2579	320	6	can	can	AUX
ajis02-2579	320	7	leverage	leverage	VERB
ajis02-2579	320	8	the	the	DET
ajis02-2579	320	9	positive	positive	ADJ
ajis02-2579	320	10	impact	impact	NOUN
ajis02-2579	320	11	of	of	ADP
ajis02-2579	320	12	mobile	mobile	ADJ
ajis02-2579	320	13	money	money	NOUN
ajis02-2579	320	14	in	in	ADP
ajis02-2579	320	15	africa	africa	PROPN
ajis02-2579	320	16	to	to	PART
ajis02-2579	320	17	expand	expand	VERB
ajis02-2579	320	18	their	their	PRON
ajis02-2579	320	19	services	service	NOUN
ajis02-2579	320	20	to	to	PART
ajis02-2579	320	21	enhance	enhance	VERB
ajis02-2579	320	22	financial	financial	ADJ
ajis02-2579	320	23	inclusion	inclusion	NOUN
ajis02-2579	320	24	,	,	PUNCT
ajis02-2579	320	25	which	which	PRON
ajis02-2579	320	26	is	be	AUX
ajis02-2579	320	27	a	a	DET
ajis02-2579	320	28	necessary	necessary	ADJ
ajis02-2579	320	29	component	component	NOUN
ajis02-2579	320	30	for	for	ADP
ajis02-2579	320	31	the	the	DET
ajis02-2579	320	32	region	region	NOUN
ajis02-2579	320	33	’s	’s	PART
ajis02-2579	320	34	growth	growth	NOUN
ajis02-2579	320	35	and	and	CCONJ
ajis02-2579	320	36	development	development	NOUN
ajis02-2579	320	37	.	.	PUNCT
ajis02-2579	321	1	it	it	PRON
ajis02-2579	321	2	is	be	AUX
ajis02-2579	321	3	further	far	ADV
ajis02-2579	321	4	envisaged	envisage	VERB
ajis02-2579	321	5	that	that	SCONJ
ajis02-2579	321	6	mnos	mno	NOUN
ajis02-2579	321	7	will	will	AUX
ajis02-2579	321	8	,	,	PUNCT
ajis02-2579	321	9	in	in	ADP
ajis02-2579	321	10	the	the	DET
ajis02-2579	321	11	long	long	ADJ
ajis02-2579	321	12	run	run	NOUN
ajis02-2579	321	13	,	,	PUNCT
ajis02-2579	321	14	remain	remain	VERB
ajis02-2579	321	15	competitive	competitive	ADJ
ajis02-2579	321	16	in	in	ADP
ajis02-2579	321	17	terms	term	NOUN
ajis02-2579	321	18	of	of	ADP
ajis02-2579	321	19	service	service	NOUN
ajis02-2579	321	20	pricing	pricing	NOUN
ajis02-2579	321	21	as	as	SCONJ
ajis02-2579	321	22	ongoing	ongoing	ADJ
ajis02-2579	321	23	increases	increase	NOUN
ajis02-2579	321	24	in	in	ADP
ajis02-2579	321	25	price	price	NOUN
ajis02-2579	321	26	will	will	AUX
ajis02-2579	321	27	dissuade	dissuade	VERB
ajis02-2579	321	28	consumers	consumer	NOUN
ajis02-2579	321	29	from	from	ADP
ajis02-2579	321	30	continuing	continue	VERB
ajis02-2579	321	31	their	their	PRON
ajis02-2579	321	32	use	use	NOUN
ajis02-2579	321	33	of	of	ADP
ajis02-2579	321	34	mobile	mobile	ADJ
ajis02-2579	321	35	money	money	NOUN
ajis02-2579	321	36	.	.	PUNCT
ajis02-2579	322	1	6.4	6.4	NUM
ajis02-2579	322	2	policy	policy	NOUN
ajis02-2579	322	3	implications	implication	NOUN
ajis02-2579	322	4	our	our	PRON
ajis02-2579	322	5	study	study	NOUN
ajis02-2579	322	6	has	have	VERB
ajis02-2579	322	7	important	important	ADJ
ajis02-2579	322	8	policy	policy	NOUN
ajis02-2579	322	9	implications	implication	NOUN
ajis02-2579	322	10	for	for	ADP
ajis02-2579	322	11	mobile	mobile	ADJ
ajis02-2579	322	12	money	money	NOUN
ajis02-2579	322	13	services	service	NOUN
ajis02-2579	322	14	in	in	ADP
ajis02-2579	322	15	africa	africa	PROPN
ajis02-2579	322	16	.	.	PUNCT
ajis02-2579	323	1	it	it	PRON
ajis02-2579	323	2	demonstrates	demonstrate	VERB
ajis02-2579	323	3	that	that	SCONJ
ajis02-2579	323	4	the	the	DET
ajis02-2579	323	5	availability	availability	NOUN
ajis02-2579	323	6	of	of	ADP
ajis02-2579	323	7	electricity	electricity	NOUN
ajis02-2579	323	8	is	be	AUX
ajis02-2579	323	9	absolutely	absolutely	ADV
ajis02-2579	323	10	crucial	crucial	ADJ
ajis02-2579	323	11	for	for	ADP
ajis02-2579	323	12	the	the	DET
ajis02-2579	323	13	uptake	uptake	NOUN
ajis02-2579	323	14	of	of	ADP
ajis02-2579	323	15	mobile	mobile	ADJ
ajis02-2579	323	16	money	money	NOUN
ajis02-2579	323	17	.	.	PUNCT
ajis02-2579	324	1	people	people	NOUN
ajis02-2579	324	2	need	need	VERB
ajis02-2579	324	3	a	a	DET
ajis02-2579	324	4	reliable	reliable	ADJ
ajis02-2579	324	5	source	source	NOUN
ajis02-2579	324	6	of	of	ADP
ajis02-2579	324	7	power	power	NOUN
ajis02-2579	324	8	in	in	ADP
ajis02-2579	324	9	order	order	NOUN
ajis02-2579	324	10	to	to	PART
ajis02-2579	324	11	charge	charge	VERB
ajis02-2579	324	12	their	their	PRON
ajis02-2579	324	13	mobile	mobile	ADJ
ajis02-2579	324	14	phones	phone	NOUN
ajis02-2579	324	15	so	so	SCONJ
ajis02-2579	324	16	that	that	SCONJ
ajis02-2579	324	17	these	these	DET
ajis02-2579	324	18	phones	phone	NOUN
ajis02-2579	324	19	can	can	AUX
ajis02-2579	324	20	be	be	AUX
ajis02-2579	324	21	used	use	VERB
ajis02-2579	324	22	anytime	anytime	ADV
ajis02-2579	324	23	and	and	CCONJ
ajis02-2579	324	24	anywhere	anywhere	ADV
ajis02-2579	324	25	.	.	PUNCT
ajis02-2579	325	1	basic	basic	ADJ
ajis02-2579	325	2	infrastructure	infrastructure	NOUN
ajis02-2579	325	3	is	be	AUX
ajis02-2579	325	4	a	a	DET
ajis02-2579	325	5	necessary	necessary	ADJ
ajis02-2579	325	6	component	component	NOUN
ajis02-2579	325	7	for	for	ADP
ajis02-2579	325	8	the	the	DET
ajis02-2579	325	9	expansion	expansion	NOUN
ajis02-2579	325	10	of	of	ADP
ajis02-2579	325	11	mobile	mobile	ADJ
ajis02-2579	325	12	money	money	NOUN
ajis02-2579	325	13	services	service	NOUN
ajis02-2579	325	14	into	into	ADP
ajis02-2579	325	15	areas	area	NOUN
ajis02-2579	325	16	that	that	PRON
ajis02-2579	325	17	are	be	AUX
ajis02-2579	325	18	yet	yet	ADV
ajis02-2579	325	19	to	to	PART
ajis02-2579	325	20	be	be	AUX
ajis02-2579	325	21	adequately	adequately	ADV
ajis02-2579	325	22	connected	connect	VERB
ajis02-2579	325	23	.	.	PUNCT
ajis02-2579	326	1	if	if	SCONJ
ajis02-2579	326	2	power	power	NOUN
ajis02-2579	326	3	or	or	CCONJ
ajis02-2579	326	4	energy	energy	NOUN
ajis02-2579	326	5	is	be	AUX
ajis02-2579	326	6	available	available	ADJ
ajis02-2579	326	7	,	,	PUNCT
ajis02-2579	326	8	this	this	PRON
ajis02-2579	326	9	cuts	cut	VERB
ajis02-2579	326	10	the	the	DET
ajis02-2579	326	11	cost	cost	NOUN
ajis02-2579	326	12	of	of	ADP
ajis02-2579	326	13	travel	travel	NOUN
ajis02-2579	326	14	for	for	ADP
ajis02-2579	326	15	rural	rural	ADJ
ajis02-2579	326	16	dwellers	dweller	NOUN
ajis02-2579	326	17	who	who	PRON
ajis02-2579	326	18	may	may	AUX
ajis02-2579	326	19	intend	intend	VERB
ajis02-2579	326	20	to	to	PART
ajis02-2579	326	21	use	use	VERB
ajis02-2579	326	22	mobile	mobile	ADJ
ajis02-2579	326	23	money	money	NOUN
ajis02-2579	326	24	but	but	CCONJ
ajis02-2579	326	25	who	who	PRON
ajis02-2579	326	26	do	do	AUX
ajis02-2579	326	27	not	not	PART
ajis02-2579	326	28	have	have	VERB
ajis02-2579	326	29	the	the	DET
ajis02-2579	326	30	means	mean	NOUN
ajis02-2579	326	31	to	to	PART
ajis02-2579	326	32	maintain	maintain	VERB
ajis02-2579	326	33	the	the	DET
ajis02-2579	326	34	functionality	functionality	NOUN
ajis02-2579	326	35	of	of	ADP
ajis02-2579	326	36	their	their	PRON
ajis02-2579	326	37	phones	phone	NOUN
ajis02-2579	326	38	in	in	ADP
ajis02-2579	326	39	their	their	PRON
ajis02-2579	326	40	homes	home	NOUN
ajis02-2579	326	41	.	.	PUNCT
ajis02-2579	327	1	rubin	rubin	PROPN
ajis02-2579	327	2	(	(	PUNCT
ajis02-2579	327	3	2017	2017	NUM
ajis02-2579	327	4	)	)	PUNCT
ajis02-2579	327	5	emphasises	emphasise	VERB
ajis02-2579	327	6	that	that	SCONJ
ajis02-2579	327	7	policy	policy	NOUN
ajis02-2579	327	8	frameworks	framework	NOUN
ajis02-2579	327	9	are	be	AUX
ajis02-2579	327	10	gathering	gather	VERB
ajis02-2579	327	11	momentum	momentum	NOUN
ajis02-2579	327	12	internationally	internationally	ADV
ajis02-2579	327	13	around	around	ADP
ajis02-2579	327	14	the	the	DET
ajis02-2579	327	15	build	build	NOUN
ajis02-2579	327	16	-	-	PUNCT
ajis02-2579	327	17	once	once	NOUN
ajis02-2579	327	18	approach	approach	NOUN
ajis02-2579	327	19	to	to	ADP
ajis02-2579	327	20	infrastructure	infrastructure	NOUN
ajis02-2579	327	21	development	development	NOUN
ajis02-2579	327	22	.	.	PUNCT
ajis02-2579	328	1	an	an	DET
ajis02-2579	328	2	example	example	NOUN
ajis02-2579	328	3	of	of	ADP
ajis02-2579	328	4	the	the	DET
ajis02-2579	328	5	build	build	VERB
ajis02-2579	328	6	-	-	PUNCT
ajis02-2579	328	7	once	once	NOUN
ajis02-2579	328	8	approach	approach	NOUN
ajis02-2579	328	9	for	for	ADP
ajis02-2579	328	10	africa	africa	PROPN
ajis02-2579	328	11	through	through	ADP
ajis02-2579	328	12	the	the	DET
ajis02-2579	328	13	public	public	ADJ
ajis02-2579	328	14	private	private	ADJ
ajis02-2579	328	15	partnerships	partnership	NOUN
ajis02-2579	328	16	(	(	PUNCT
ajis02-2579	328	17	ppps	ppps	PROPN
ajis02-2579	328	18	)	)	PUNCT
ajis02-2579	328	19	would	would	AUX
ajis02-2579	328	20	be	be	AUX
ajis02-2579	328	21	electricity	electricity	NOUN
ajis02-2579	328	22	and	and	CCONJ
ajis02-2579	328	23	mnos	mno	NOUN
ajis02-2579	328	24	sharing	share	VERB
ajis02-2579	328	25	towers	tower	NOUN
ajis02-2579	328	26	for	for	ADP
ajis02-2579	328	27	their	their	PRON
ajis02-2579	328	28	wires	wire	NOUN
ajis02-2579	328	29	.	.	PUNCT
ajis02-2579	329	1	another	another	DET
ajis02-2579	329	2	example	example	NOUN
ajis02-2579	329	3	involves	involve	VERB
ajis02-2579	329	4	the	the	DET
ajis02-2579	329	5	coordination	coordination	NOUN
ajis02-2579	329	6	of	of	ADP
ajis02-2579	329	7	mnos	mno	NOUN
ajis02-2579	329	8	to	to	PART
ajis02-2579	329	9	lay	lay	VERB
ajis02-2579	329	10	wires	wire	NOUN
ajis02-2579	329	11	under	under	ADP
ajis02-2579	329	12	new	new	ADJ
ajis02-2579	329	13	roads	road	NOUN
ajis02-2579	329	14	for	for	ADP
ajis02-2579	329	15	electricity	electricity	NOUN
ajis02-2579	329	16	.	.	PUNCT
ajis02-2579	330	1	this	this	DET
ajis02-2579	330	2	policy	policy	NOUN
ajis02-2579	330	3	framework	framework	NOUN
ajis02-2579	330	4	will	will	AUX
ajis02-2579	330	5	direct	direct	VERB
ajis02-2579	330	6	future	future	ADJ
ajis02-2579	330	7	ict	ict	NOUN
ajis02-2579	330	8	and	and	CCONJ
ajis02-2579	330	9	energy	energy	NOUN
ajis02-2579	330	10	transformations	transformation	NOUN
ajis02-2579	330	11	that	that	PRON
ajis02-2579	330	12	can	can	AUX
ajis02-2579	330	13	further	far	ADV
ajis02-2579	330	14	lower	lower	VERB
ajis02-2579	330	15	the	the	DET
ajis02-2579	330	16	costs	cost	NOUN
ajis02-2579	330	17	of	of	ADP
ajis02-2579	330	18	electricity	electricity	NOUN
ajis02-2579	330	19	.	.	PUNCT
ajis02-2579	331	1	in	in	ADP
ajis02-2579	331	2	turn	turn	NOUN
ajis02-2579	331	3	,	,	PUNCT
ajis02-2579	331	4	this	this	PRON
ajis02-2579	331	5	may	may	AUX
ajis02-2579	331	6	allow	allow	VERB
ajis02-2579	331	7	mnos	mno	NOUN
ajis02-2579	331	8	to	to	PART
ajis02-2579	331	9	increase	increase	VERB
ajis02-2579	331	10	their	their	PRON
ajis02-2579	331	11	customer	customer	NOUN
ajis02-2579	331	12	base	base	NOUN
ajis02-2579	331	13	if	if	SCONJ
ajis02-2579	331	14	consumers	consumer	NOUN
ajis02-2579	331	15	have	have	VERB
ajis02-2579	331	16	access	access	NOUN
ajis02-2579	331	17	to	to	ADP
ajis02-2579	331	18	basic	basic	ADJ
ajis02-2579	331	19	infrastructure	infrastructure	NOUN
ajis02-2579	331	20	that	that	PRON
ajis02-2579	331	21	enables	enable	VERB
ajis02-2579	331	22	them	they	PRON
ajis02-2579	331	23	to	to	PART
ajis02-2579	331	24	keep	keep	VERB
ajis02-2579	331	25	using	use	VERB
ajis02-2579	331	26	mobile	mobile	ADJ
ajis02-2579	331	27	money	money	NOUN
ajis02-2579	331	28	.	.	PUNCT
ajis02-2579	332	1	enabling	enable	VERB
ajis02-2579	332	2	regulations	regulation	NOUN
ajis02-2579	332	3	are	be	AUX
ajis02-2579	332	4	important	important	ADJ
ajis02-2579	332	5	for	for	ADP
ajis02-2579	332	6	the	the	DET
ajis02-2579	332	7	growth	growth	NOUN
ajis02-2579	332	8	of	of	ADP
ajis02-2579	332	9	mobile	mobile	ADJ
ajis02-2579	332	10	money	money	NOUN
ajis02-2579	332	11	services	service	NOUN
ajis02-2579	332	12	.	.	PUNCT
ajis02-2579	333	1	since	since	SCONJ
ajis02-2579	333	2	the	the	DET
ajis02-2579	333	3	introduction	introduction	NOUN
ajis02-2579	333	4	of	of	ADP
ajis02-2579	333	5	m	m	NOUN
ajis02-2579	333	6	-	-	NOUN
ajis02-2579	333	7	pesa	pesa	NOUN
ajis02-2579	333	8	in	in	ADP
ajis02-2579	333	9	2007	2007	NUM
ajis02-2579	333	10	,	,	PUNCT
ajis02-2579	333	11	mobile	mobile	ADJ
ajis02-2579	333	12	money	money	NOUN
ajis02-2579	333	13	services	service	NOUN
ajis02-2579	333	14	in	in	ADP
ajis02-2579	333	15	africa	africa	PROPN
ajis02-2579	333	16	have	have	AUX
ajis02-2579	333	17	undergone	undergo	VERB
ajis02-2579	333	18	major	major	ADJ
ajis02-2579	333	19	transformations	transformation	NOUN
ajis02-2579	333	20	in	in	ADP
ajis02-2579	333	21	terms	term	NOUN
ajis02-2579	333	22	of	of	ADP
ajis02-2579	333	23	service	service	NOUN
ajis02-2579	333	24	provision	provision	NOUN
ajis02-2579	333	25	,	,	PUNCT
ajis02-2579	333	26	competition	competition	NOUN
ajis02-2579	333	27	,	,	PUNCT
ajis02-2579	333	28	consumer	consumer	NOUN
ajis02-2579	333	29	protection	protection	NOUN
ajis02-2579	333	30	protocols	protocol	NOUN
ajis02-2579	333	31	,	,	PUNCT
ajis02-2579	333	32	monetary	monetary	ADJ
ajis02-2579	333	33	policy	policy	NOUN
ajis02-2579	333	34	frameworks	framework	NOUN
ajis02-2579	333	35	by	by	ADP
ajis02-2579	333	36	the	the	DET
ajis02-2579	333	37	government	government	NOUN
ajis02-2579	333	38	and	and	CCONJ
ajis02-2579	333	39	central	central	ADJ
ajis02-2579	333	40	banks	bank	NOUN
ajis02-2579	333	41	,	,	PUNCT
ajis02-2579	333	42	and	and	CCONJ
ajis02-2579	333	43	tax	tax	NOUN
ajis02-2579	333	44	payments	payment	NOUN
ajis02-2579	333	45	.	.	PUNCT
ajis02-2579	334	1	enabling	enable	VERB
ajis02-2579	334	2	regulations	regulation	NOUN
ajis02-2579	334	3	also	also	ADV
ajis02-2579	334	4	imply	imply	VERB
ajis02-2579	334	5	that	that	SCONJ
ajis02-2579	334	6	mnos	mno	NOUN
ajis02-2579	334	7	are	be	AUX
ajis02-2579	334	8	regulated	regulate	VERB
ajis02-2579	334	9	which	which	PRON
ajis02-2579	334	10	gives	give	VERB
ajis02-2579	334	11	consumers	consumer	NOUN
ajis02-2579	334	12	the	the	DET
ajis02-2579	334	13	assurance	assurance	NOUN
ajis02-2579	334	14	that	that	PRON
ajis02-2579	334	15	their	their	PRON
ajis02-2579	334	16	rights	right	NOUN
ajis02-2579	334	17	are	be	AUX
ajis02-2579	334	18	protected	protect	VERB
ajis02-2579	334	19	.	.	PUNCT
ajis02-2579	335	1	central	central	ADJ
ajis02-2579	335	2	banks	bank	NOUN
ajis02-2579	335	3	have	have	VERB
ajis02-2579	335	4	an	an	DET
ajis02-2579	335	5	obligation	obligation	NOUN
ajis02-2579	335	6	to	to	PART
ajis02-2579	335	7	ensure	ensure	VERB
ajis02-2579	335	8	that	that	SCONJ
ajis02-2579	335	9	regulations	regulation	NOUN
ajis02-2579	335	10	are	be	AUX
ajis02-2579	335	11	sufficiently	sufficiently	ADV
ajis02-2579	335	12	enabling	enable	VERB
ajis02-2579	335	13	in	in	ADP
ajis02-2579	335	14	order	order	NOUN
ajis02-2579	335	15	to	to	PART
ajis02-2579	335	16	sustain	sustain	VERB
ajis02-2579	335	17	the	the	DET
ajis02-2579	335	18	evolution	evolution	NOUN
ajis02-2579	335	19	and	and	CCONJ
ajis02-2579	335	20	expansion	expansion	NOUN
ajis02-2579	335	21	of	of	ADP
ajis02-2579	335	22	mobile	mobile	ADJ
ajis02-2579	335	23	money	money	NOUN
ajis02-2579	335	24	.	.	PUNCT
ajis02-2579	336	1	the	the	DET
ajis02-2579	336	2	interoperability	interoperability	NOUN
ajis02-2579	336	3	of	of	ADP
ajis02-2579	336	4	mobile	mobile	ADJ
ajis02-2579	336	5	money	money	NOUN
ajis02-2579	336	6	remains	remain	VERB
ajis02-2579	336	7	a	a	DET
ajis02-2579	336	8	challenge	challenge	NOUN
ajis02-2579	336	9	for	for	ADP
ajis02-2579	336	10	several	several	ADJ
ajis02-2579	336	11	african	african	ADJ
ajis02-2579	336	12	countries	country	NOUN
ajis02-2579	336	13	(	(	PUNCT
ajis02-2579	336	14	particularly	particularly	ADV
ajis02-2579	336	15	within	within	ADP
ajis02-2579	336	16	the	the	DET
ajis02-2579	336	17	eight	eight	NUM
ajis02-2579	336	18	countries	country	NOUN
ajis02-2579	336	19	of	of	ADP
ajis02-2579	336	20	the	the	DET
ajis02-2579	336	21	west	west	ADJ
ajis02-2579	336	22	african	african	ADJ
ajis02-2579	336	23	economic	economic	PROPN
ajis02-2579	336	24	monetary	monetary	ADJ
ajis02-2579	336	25	union	union	PROPN
ajis02-2579	336	26	(	(	PUNCT
ajis02-2579	336	27	waemu	waemu	PROPN
ajis02-2579	336	28	)	)	PUNCT
ajis02-2579	336	29	as	as	SCONJ
ajis02-2579	336	30	existing	exist	VERB
ajis02-2579	336	31	regulations	regulation	NOUN
ajis02-2579	336	32	are	be	AUX
ajis02-2579	336	33	often	often	ADV
ajis02-2579	336	34	inadequate	inadequate	ADJ
ajis02-2579	336	35	to	to	PART
ajis02-2579	336	36	address	address	VERB
ajis02-2579	336	37	the	the	DET
ajis02-2579	336	38	changes	change	NOUN
ajis02-2579	336	39	and	and	CCONJ
ajis02-2579	336	40	complexities	complexity	NOUN
ajis02-2579	336	41	that	that	PRON
ajis02-2579	336	42	arise	arise	VERB
ajis02-2579	336	43	as	as	ADP
ajis02-2579	336	44	technology	technology	NOUN
ajis02-2579	336	45	keeps	keep	VERB
ajis02-2579	336	46	evolving	evolve	VERB
ajis02-2579	336	47	.	.	PUNCT
ajis02-2579	337	1	policymakers	policymaker	NOUN
ajis02-2579	337	2	and	and	CCONJ
ajis02-2579	337	3	regulators	regulator	NOUN
ajis02-2579	337	4	need	need	VERB
ajis02-2579	337	5	to	to	PART
ajis02-2579	337	6	undertake	undertake	VERB
ajis02-2579	337	7	broader	broad	ADJ
ajis02-2579	337	8	consultation	consultation	NOUN
ajis02-2579	337	9	involving	involve	VERB
ajis02-2579	337	10	a	a	DET
ajis02-2579	337	11	wide	wide	ADJ
ajis02-2579	337	12	range	range	NOUN
ajis02-2579	337	13	of	of	ADP
ajis02-2579	337	14	stakeholders	stakeholder	NOUN
ajis02-2579	337	15	in	in	ADP
ajis02-2579	337	16	order	order	NOUN
ajis02-2579	337	17	to	to	PART
ajis02-2579	337	18	progress	progress	VERB
ajis02-2579	337	19	forward	forward	ADV
ajis02-2579	337	20	.	.	PUNCT
ajis02-2579	338	1	australasian	australasian	ADJ
ajis02-2579	338	2	journal	journal	NOUN
ajis02-2579	338	3	of	of	ADP
ajis02-2579	338	4	information	information	NOUN
ajis02-2579	338	5	systems	system	NOUN
ajis02-2579	338	6	alhassan	alhassan	PROPN
ajis02-2579	338	7	,	,	PUNCT
ajis02-2579	338	8	li	li	PROPN
ajis02-2579	338	9	,	,	PUNCT
ajis02-2579	338	10	reddy	reddy	PROPN
ajis02-2579	338	11	&	&	CCONJ
ajis02-2579	338	12	duppati	duppati	PROPN
ajis02-2579	338	13	2020	2020	NUM
ajis02-2579	338	14	,	,	PUNCT
ajis02-2579	338	15	vol	vol	NOUN
ajis02-2579	338	16	24	24	NUM
ajis02-2579	338	17	,	,	PUNCT
ajis02-2579	338	18	research	research	NOUN
ajis02-2579	338	19	article	article	NOUN
ajis02-2579	338	20	consumer	consumer	NOUN
ajis02-2579	338	21	acceptance	acceptance	NOUN
ajis02-2579	338	22	and	and	CCONJ
ajis02-2579	338	23	continuance	continuance	NOUN
ajis02-2579	338	24	of	of	ADP
ajis02-2579	338	25	mobile	mobile	ADJ
ajis02-2579	338	26	money	money	NOUN
ajis02-2579	338	27	20	20	NUM
ajis02-2579	338	28	7	7	NUM
ajis02-2579	338	29	conclusion	conclusion	NOUN
ajis02-2579	338	30	and	and	CCONJ
ajis02-2579	338	31	future	future	ADJ
ajis02-2579	338	32	research	research	NOUN
ajis02-2579	338	33	this	this	DET
ajis02-2579	338	34	study	study	NOUN
ajis02-2579	338	35	seeks	seek	VERB
ajis02-2579	338	36	to	to	PART
ajis02-2579	338	37	understand	understand	VERB
ajis02-2579	338	38	the	the	DET
ajis02-2579	338	39	context	context	NOUN
ajis02-2579	338	40	-	-	PUNCT
ajis02-2579	338	41	based	base	VERB
ajis02-2579	338	42	factors	factor	NOUN
ajis02-2579	338	43	that	that	PRON
ajis02-2579	338	44	influence	influence	VERB
ajis02-2579	338	45	the	the	DET
ajis02-2579	338	46	adoption	adoption	NOUN
ajis02-2579	338	47	and	and	CCONJ
ajis02-2579	338	48	continuous	continuous	ADJ
ajis02-2579	338	49	use	use	NOUN
ajis02-2579	338	50	of	of	ADP
ajis02-2579	338	51	mobile	mobile	ADJ
ajis02-2579	338	52	money	money	NOUN
ajis02-2579	338	53	in	in	ADP
ajis02-2579	338	54	africa	africa	PROPN
ajis02-2579	338	55	.	.	PUNCT
ajis02-2579	339	1	using	use	VERB
ajis02-2579	339	2	data	datum	NOUN
ajis02-2579	339	3	from	from	ADP
ajis02-2579	339	4	different	different	ADJ
ajis02-2579	339	5	sources	source	NOUN
ajis02-2579	339	6	,	,	PUNCT
ajis02-2579	339	7	we	we	PRON
ajis02-2579	339	8	presented	present	VERB
ajis02-2579	339	9	the	the	DET
ajis02-2579	339	10	preliminary	preliminary	ADJ
ajis02-2579	339	11	results	result	NOUN
ajis02-2579	339	12	for	for	ADP
ajis02-2579	339	13	40	40	NUM
ajis02-2579	339	14	african	african	ADJ
ajis02-2579	339	15	countries	country	NOUN
ajis02-2579	339	16	in	in	ADP
ajis02-2579	339	17	relation	relation	NOUN
ajis02-2579	339	18	to	to	ADP
ajis02-2579	339	19	consumer	consumer	NOUN
ajis02-2579	339	20	intentions	intention	NOUN
ajis02-2579	339	21	to	to	PART
ajis02-2579	339	22	use	use	VERB
ajis02-2579	339	23	mobile	mobile	ADJ
ajis02-2579	339	24	money	money	NOUN
ajis02-2579	339	25	.	.	PUNCT
ajis02-2579	340	1	our	our	PRON
ajis02-2579	340	2	study	study	NOUN
ajis02-2579	340	3	used	use	VERB
ajis02-2579	340	4	tam	tam	PROPN
ajis02-2579	340	5	with	with	ADP
ajis02-2579	340	6	modifications	modification	NOUN
ajis02-2579	340	7	made	make	VERB
ajis02-2579	340	8	for	for	ADP
ajis02-2579	340	9	local	local	ADJ
ajis02-2579	340	10	context	context	NOUN
ajis02-2579	340	11	factors	factor	NOUN
ajis02-2579	340	12	.	.	PUNCT
ajis02-2579	341	1	we	we	PRON
ajis02-2579	341	2	use	use	VERB
ajis02-2579	341	3	the	the	DET
ajis02-2579	341	4	model	model	NOUN
ajis02-2579	341	5	to	to	PART
ajis02-2579	341	6	determine	determine	VERB
ajis02-2579	341	7	how	how	SCONJ
ajis02-2579	341	8	these	these	DET
ajis02-2579	341	9	factors	factor	NOUN
ajis02-2579	341	10	affect	affect	VERB
ajis02-2579	341	11	the	the	DET
ajis02-2579	341	12	initial	initial	ADJ
ajis02-2579	341	13	adoption	adoption	NOUN
ajis02-2579	341	14	and	and	CCONJ
ajis02-2579	341	15	ongoing	ongoing	ADJ
ajis02-2579	341	16	use	use	NOUN
ajis02-2579	341	17	of	of	ADP
ajis02-2579	341	18	mobile	mobile	ADJ
ajis02-2579	341	19	money	money	NOUN
ajis02-2579	341	20	.	.	PUNCT
ajis02-2579	342	1	using	use	VERB
ajis02-2579	342	2	sem	sem	NOUN
ajis02-2579	342	3	,	,	PUNCT
ajis02-2579	342	4	our	our	PRON
ajis02-2579	342	5	results	result	NOUN
ajis02-2579	342	6	show	show	VERB
ajis02-2579	342	7	that	that	SCONJ
ajis02-2579	342	8	access	access	NOUN
ajis02-2579	342	9	to	to	ADP
ajis02-2579	342	10	electricity	electricity	NOUN
ajis02-2579	342	11	is	be	AUX
ajis02-2579	342	12	crucial	crucial	ADJ
ajis02-2579	342	13	to	to	ADP
ajis02-2579	342	14	consumers	consumer	NOUN
ajis02-2579	342	15	’	'	PUNCT
ajis02-2579	342	16	ability	ability	NOUN
ajis02-2579	342	17	to	to	PART
ajis02-2579	342	18	use	use	VERB
ajis02-2579	342	19	mobile	mobile	ADJ
ajis02-2579	342	20	money	money	NOUN
ajis02-2579	342	21	.	.	PUNCT
ajis02-2579	343	1	partnerships	partnership	NOUN
ajis02-2579	343	2	between	between	ADP
ajis02-2579	343	3	mnos	mno	NOUN
ajis02-2579	343	4	and	and	CCONJ
ajis02-2579	343	5	the	the	DET
ajis02-2579	343	6	government	government	NOUN
ajis02-2579	343	7	are	be	AUX
ajis02-2579	343	8	critical	critical	ADJ
ajis02-2579	343	9	to	to	ADP
ajis02-2579	343	10	improving	improve	VERB
ajis02-2579	343	11	the	the	DET
ajis02-2579	343	12	provision	provision	NOUN
ajis02-2579	343	13	of	of	ADP
ajis02-2579	343	14	electricity	electricity	NOUN
ajis02-2579	343	15	to	to	ADP
ajis02-2579	343	16	rural	rural	ADJ
ajis02-2579	343	17	inhabitants	inhabitant	NOUN
ajis02-2579	343	18	which	which	PRON
ajis02-2579	343	19	,	,	PUNCT
ajis02-2579	343	20	in	in	ADP
ajis02-2579	343	21	turn	turn	NOUN
ajis02-2579	343	22	,	,	PUNCT
ajis02-2579	343	23	enables	enable	VERB
ajis02-2579	343	24	mnos	mno	NOUN
ajis02-2579	343	25	to	to	PART
ajis02-2579	343	26	grow	grow	VERB
ajis02-2579	343	27	and	and	CCONJ
ajis02-2579	343	28	sustain	sustain	VERB
ajis02-2579	343	29	their	their	PRON
ajis02-2579	343	30	customer	customer	NOUN
ajis02-2579	343	31	base	base	NOUN
ajis02-2579	343	32	.	.	PUNCT
ajis02-2579	344	1	mnos	mno	NOUN
ajis02-2579	344	2	can	can	AUX
ajis02-2579	344	3	influence	influence	VERB
ajis02-2579	344	4	the	the	DET
ajis02-2579	344	5	attitudes	attitude	NOUN
ajis02-2579	344	6	of	of	ADP
ajis02-2579	344	7	consumers	consumer	NOUN
ajis02-2579	344	8	through	through	ADP
ajis02-2579	344	9	their	their	PRON
ajis02-2579	344	10	marketing	marketing	NOUN
ajis02-2579	344	11	and	and	CCONJ
ajis02-2579	344	12	agent	agent	NOUN
ajis02-2579	344	13	networks	network	NOUN
ajis02-2579	344	14	.	.	PUNCT
ajis02-2579	345	1	our	our	PRON
ajis02-2579	345	2	preliminary	preliminary	ADJ
ajis02-2579	345	3	empirical	empirical	ADJ
ajis02-2579	345	4	results	result	NOUN
ajis02-2579	345	5	for	for	ADP
ajis02-2579	345	6	the	the	DET
ajis02-2579	345	7	attitude	attitude	NOUN
ajis02-2579	345	8	construct	construct	NOUN
ajis02-2579	345	9	(	(	PUNCT
ajis02-2579	345	10	proxied	proxie	VERB
ajis02-2579	345	11	by	by	ADP
ajis02-2579	345	12	the	the	DET
ajis02-2579	345	13	percentage	percentage	NOUN
ajis02-2579	345	14	of	of	ADP
ajis02-2579	345	15	mobile	mobile	ADJ
ajis02-2579	345	16	network	network	NOUN
ajis02-2579	345	17	subscribers	subscriber	NOUN
ajis02-2579	345	18	per	per	ADP
ajis02-2579	345	19	100	100	NUM
ajis02-2579	345	20	inhabitants	inhabitant	NOUN
ajis02-2579	345	21	)	)	PUNCT
ajis02-2579	345	22	indicate	indicate	VERB
ajis02-2579	345	23	that	that	SCONJ
ajis02-2579	345	24	peoples	people	NOUN
ajis02-2579	345	25	’	’	PART
ajis02-2579	345	26	attitudes	attitude	NOUN
ajis02-2579	345	27	play	play	VERB
ajis02-2579	345	28	a	a	DET
ajis02-2579	345	29	major	major	ADJ
ajis02-2579	345	30	role	role	NOUN
ajis02-2579	345	31	in	in	ADP
ajis02-2579	345	32	the	the	DET
ajis02-2579	345	33	uptake	uptake	NOUN
ajis02-2579	345	34	and	and	CCONJ
ajis02-2579	345	35	ongoing	ongoing	ADJ
ajis02-2579	345	36	use	use	NOUN
ajis02-2579	345	37	of	of	ADP
ajis02-2579	345	38	mobile	mobile	ADJ
ajis02-2579	345	39	money	money	NOUN
ajis02-2579	345	40	in	in	ADP
ajis02-2579	345	41	africa	africa	PROPN
ajis02-2579	345	42	.	.	PUNCT
ajis02-2579	346	1	mnos	mno	NOUN
ajis02-2579	346	2	should	should	AUX
ajis02-2579	346	3	identify	identify	VERB
ajis02-2579	346	4	reference	reference	NOUN
ajis02-2579	346	5	groups	group	NOUN
ajis02-2579	346	6	who	who	PRON
ajis02-2579	346	7	can	can	AUX
ajis02-2579	346	8	play	play	VERB
ajis02-2579	346	9	an	an	DET
ajis02-2579	346	10	important	important	ADJ
ajis02-2579	346	11	role	role	NOUN
ajis02-2579	346	12	in	in	ADP
ajis02-2579	346	13	the	the	DET
ajis02-2579	346	14	diffusion	diffusion	NOUN
ajis02-2579	346	15	of	of	ADP
ajis02-2579	346	16	mobile	mobile	ADJ
ajis02-2579	346	17	money	money	NOUN
ajis02-2579	346	18	.	.	PUNCT
ajis02-2579	347	1	in	in	ADP
ajis02-2579	347	2	particular	particular	ADJ
ajis02-2579	347	3	,	,	PUNCT
ajis02-2579	347	4	if	if	SCONJ
ajis02-2579	347	5	users	user	NOUN
ajis02-2579	347	6	are	be	AUX
ajis02-2579	347	7	identified	identify	VERB
ajis02-2579	347	8	in	in	ADP
ajis02-2579	347	9	the	the	DET
ajis02-2579	347	10	early	early	ADJ
ajis02-2579	347	11	stages	stage	NOUN
ajis02-2579	347	12	of	of	ADP
ajis02-2579	347	13	their	their	PRON
ajis02-2579	347	14	adoption	adoption	NOUN
ajis02-2579	347	15	of	of	ADP
ajis02-2579	347	16	mobile	mobile	ADJ
ajis02-2579	347	17	money	money	NOUN
ajis02-2579	347	18	,	,	PUNCT
ajis02-2579	347	19	and	and	CCONJ
ajis02-2579	347	20	they	they	PRON
ajis02-2579	347	21	continue	continue	VERB
ajis02-2579	347	22	to	to	PART
ajis02-2579	347	23	enjoy	enjoy	VERB
ajis02-2579	347	24	the	the	DET
ajis02-2579	347	25	benefits	benefit	NOUN
ajis02-2579	347	26	of	of	ADP
ajis02-2579	347	27	it	it	PRON
ajis02-2579	347	28	,	,	PUNCT
ajis02-2579	347	29	they	they	PRON
ajis02-2579	347	30	may	may	AUX
ajis02-2579	347	31	influence	influence	VERB
ajis02-2579	347	32	their	their	PRON
ajis02-2579	347	33	social	social	ADJ
ajis02-2579	347	34	networks	network	NOUN
ajis02-2579	347	35	to	to	PART
ajis02-2579	347	36	also	also	ADV
ajis02-2579	347	37	adopt	adopt	VERB
ajis02-2579	347	38	mobile	mobile	ADJ
ajis02-2579	347	39	money	money	NOUN
ajis02-2579	347	40	.	.	PUNCT
ajis02-2579	348	1	our	our	PRON
ajis02-2579	348	2	results	result	NOUN
ajis02-2579	348	3	highlight	highlight	VERB
ajis02-2579	348	4	the	the	DET
ajis02-2579	348	5	importance	importance	NOUN
ajis02-2579	348	6	of	of	ADP
ajis02-2579	348	7	enabling	enable	VERB
ajis02-2579	348	8	regulations	regulation	NOUN
ajis02-2579	348	9	as	as	ADP
ajis02-2579	348	10	a	a	DET
ajis02-2579	348	11	mechanism	mechanism	NOUN
ajis02-2579	348	12	for	for	ADP
ajis02-2579	348	13	increasing	increase	VERB
ajis02-2579	348	14	the	the	DET
ajis02-2579	348	15	uptake	uptake	NOUN
ajis02-2579	348	16	of	of	ADP
ajis02-2579	348	17	mobile	mobile	ADJ
ajis02-2579	348	18	money	money	NOUN
ajis02-2579	348	19	.	.	PUNCT
ajis02-2579	349	1	as	as	SCONJ
ajis02-2579	349	2	people	people	NOUN
ajis02-2579	349	3	become	become	VERB
ajis02-2579	349	4	increasingly	increasingly	ADV
ajis02-2579	349	5	aware	aware	ADJ
ajis02-2579	349	6	of	of	ADP
ajis02-2579	349	7	regulations	regulation	NOUN
ajis02-2579	349	8	that	that	PRON
ajis02-2579	349	9	guide	guide	VERB
ajis02-2579	349	10	mnos	mno	NOUN
ajis02-2579	349	11	in	in	ADP
ajis02-2579	349	12	their	their	PRON
ajis02-2579	349	13	mobile	mobile	ADJ
ajis02-2579	349	14	money	money	NOUN
ajis02-2579	349	15	operations	operation	NOUN
ajis02-2579	349	16	,	,	PUNCT
ajis02-2579	349	17	people	people	NOUN
ajis02-2579	349	18	are	be	AUX
ajis02-2579	349	19	more	more	ADV
ajis02-2579	349	20	inclined	inclined	ADJ
ajis02-2579	349	21	to	to	PART
ajis02-2579	349	22	trust	trust	VERB
ajis02-2579	349	23	the	the	DET
ajis02-2579	349	24	system	system	NOUN
ajis02-2579	349	25	of	of	ADP
ajis02-2579	349	26	mobile	mobile	ADJ
ajis02-2579	349	27	money	money	NOUN
ajis02-2579	349	28	.	.	PUNCT
ajis02-2579	350	1	conversely	conversely	ADV
ajis02-2579	350	2	,	,	PUNCT
ajis02-2579	350	3	a	a	DET
ajis02-2579	350	4	lack	lack	NOUN
ajis02-2579	350	5	of	of	ADP
ajis02-2579	350	6	proper	proper	ADJ
ajis02-2579	350	7	regulations	regulation	NOUN
ajis02-2579	350	8	will	will	AUX
ajis02-2579	350	9	hinder	hinder	VERB
ajis02-2579	350	10	the	the	DET
ajis02-2579	350	11	inroads	inroad	NOUN
ajis02-2579	350	12	made	make	VERB
ajis02-2579	350	13	by	by	ADP
ajis02-2579	350	14	mobile	mobile	ADJ
ajis02-2579	350	15	money	money	NOUN
ajis02-2579	350	16	in	in	ADP
ajis02-2579	350	17	africa	africa	PROPN
ajis02-2579	350	18	thus	thus	ADV
ajis02-2579	350	19	far	far	ADV
ajis02-2579	350	20	.	.	PUNCT
ajis02-2579	351	1	finally	finally	ADV
ajis02-2579	351	2	,	,	PUNCT
ajis02-2579	351	3	the	the	DET
ajis02-2579	351	4	current	current	ADJ
ajis02-2579	351	5	lack	lack	NOUN
ajis02-2579	351	6	of	of	ADP
ajis02-2579	351	7	infrastructure	infrastructure	NOUN
ajis02-2579	351	8	(	(	PUNCT
ajis02-2579	351	9	mobile	mobile	ADJ
ajis02-2579	351	10	networks	network	NOUN
ajis02-2579	351	11	and	and	CCONJ
ajis02-2579	351	12	electricity	electricity	NOUN
ajis02-2579	351	13	)	)	PUNCT
ajis02-2579	351	14	continues	continue	VERB
ajis02-2579	351	15	to	to	PART
ajis02-2579	351	16	hinder	hinder	VERB
ajis02-2579	351	17	the	the	DET
ajis02-2579	351	18	diffusion	diffusion	NOUN
ajis02-2579	351	19	of	of	ADP
ajis02-2579	351	20	mobile	mobile	ADJ
ajis02-2579	351	21	money	money	NOUN
ajis02-2579	351	22	in	in	ADP
ajis02-2579	351	23	rural	rural	ADJ
ajis02-2579	351	24	areas	area	NOUN
ajis02-2579	351	25	of	of	ADP
ajis02-2579	351	26	africa	africa	PROPN
ajis02-2579	351	27	.	.	PUNCT
ajis02-2579	352	1	given	give	VERB
ajis02-2579	352	2	that	that	SCONJ
ajis02-2579	352	3	the	the	DET
ajis02-2579	352	4	majority	majority	NOUN
ajis02-2579	352	5	of	of	ADP
ajis02-2579	352	6	africans	africans	PROPN
ajis02-2579	352	7	continue	continue	VERB
ajis02-2579	352	8	to	to	PART
ajis02-2579	352	9	live	live	VERB
ajis02-2579	352	10	in	in	ADP
ajis02-2579	352	11	rural	rural	ADJ
ajis02-2579	352	12	areas	area	NOUN
ajis02-2579	352	13	,	,	PUNCT
ajis02-2579	352	14	it	it	PRON
ajis02-2579	352	15	is	be	AUX
ajis02-2579	352	16	only	only	ADV
ajis02-2579	352	17	prudent	prudent	ADJ
ajis02-2579	352	18	that	that	SCONJ
ajis02-2579	352	19	mnos	mno	NOUN
ajis02-2579	352	20	collaborate	collaborate	VERB
ajis02-2579	352	21	with	with	ADP
ajis02-2579	352	22	governments	government	NOUN
ajis02-2579	352	23	to	to	PART
ajis02-2579	352	24	improve	improve	VERB
ajis02-2579	352	25	these	these	DET
ajis02-2579	352	26	infrastructures	infrastructure	NOUN
ajis02-2579	352	27	for	for	ADP
ajis02-2579	352	28	shared	shared	ADJ
ajis02-2579	352	29	prosperity	prosperity	NOUN
ajis02-2579	352	30	.	.	PUNCT
ajis02-2579	353	1	there	there	PRON
ajis02-2579	353	2	are	be	VERB
ajis02-2579	353	3	several	several	ADJ
ajis02-2579	353	4	directions	direction	NOUN
ajis02-2579	353	5	for	for	ADP
ajis02-2579	353	6	future	future	ADJ
ajis02-2579	353	7	research	research	NOUN
ajis02-2579	353	8	that	that	SCONJ
ajis02-2579	353	9	this	this	DET
ajis02-2579	353	10	research	research	NOUN
ajis02-2579	353	11	facilitates	facilitate	VERB
ajis02-2579	353	12	.	.	PUNCT
ajis02-2579	354	1	first	first	ADV
ajis02-2579	354	2	,	,	PUNCT
ajis02-2579	354	3	the	the	DET
ajis02-2579	354	4	data	datum	NOUN
ajis02-2579	354	5	used	use	VERB
ajis02-2579	354	6	is	be	AUX
ajis02-2579	354	7	secondary	secondary	ADJ
ajis02-2579	354	8	,	,	PUNCT
ajis02-2579	354	9	with	with	ADP
ajis02-2579	354	10	its	its	PRON
ajis02-2579	354	11	attended	attend	VERB
ajis02-2579	354	12	measurement	measurement	NOUN
ajis02-2579	354	13	issues	issue	NOUN
ajis02-2579	354	14	.	.	PUNCT
ajis02-2579	355	1	future	future	ADJ
ajis02-2579	355	2	studies	study	NOUN
ajis02-2579	355	3	could	could	AUX
ajis02-2579	355	4	use	use	VERB
ajis02-2579	355	5	primary	primary	ADJ
ajis02-2579	355	6	data	datum	NOUN
ajis02-2579	355	7	to	to	PART
ajis02-2579	355	8	test	test	VERB
ajis02-2579	355	9	the	the	DET
ajis02-2579	355	10	model	model	NOUN
ajis02-2579	355	11	further	far	ADV
ajis02-2579	355	12	and	and	CCONJ
ajis02-2579	355	13	confirm	confirm	VERB
ajis02-2579	355	14	the	the	DET
ajis02-2579	355	15	preliminary	preliminary	ADJ
ajis02-2579	355	16	empirical	empirical	ADJ
ajis02-2579	355	17	results	result	NOUN
ajis02-2579	355	18	gathered	gather	VERB
ajis02-2579	355	19	in	in	ADP
ajis02-2579	355	20	this	this	DET
ajis02-2579	355	21	research	research	NOUN
ajis02-2579	355	22	.	.	PUNCT
ajis02-2579	356	1	second	second	ADJ
ajis02-2579	356	2	,	,	PUNCT
ajis02-2579	356	3	there	there	PRON
ajis02-2579	356	4	may	may	AUX
ajis02-2579	356	5	exist	exist	VERB
ajis02-2579	356	6	other	other	ADJ
ajis02-2579	356	7	context	context	NOUN
ajis02-2579	356	8	-	-	PUNCT
ajis02-2579	356	9	based	base	VERB
ajis02-2579	356	10	factors	factor	NOUN
ajis02-2579	356	11	that	that	PRON
ajis02-2579	356	12	could	could	AUX
ajis02-2579	356	13	further	far	ADV
ajis02-2579	356	14	explain	explain	VERB
ajis02-2579	356	15	the	the	DET
ajis02-2579	356	16	adoption	adoption	NOUN
ajis02-2579	356	17	and	and	CCONJ
ajis02-2579	356	18	ongoing	ongoing	ADJ
ajis02-2579	356	19	use	use	NOUN
ajis02-2579	356	20	of	of	ADP
ajis02-2579	356	21	mobile	mobile	ADJ
ajis02-2579	356	22	money	money	NOUN
ajis02-2579	356	23	by	by	ADP
ajis02-2579	356	24	african	african	ADJ
ajis02-2579	356	25	consumers	consumer	NOUN
ajis02-2579	356	26	.	.	PUNCT
ajis02-2579	357	1	a	a	DET
ajis02-2579	357	2	fruitful	fruitful	ADJ
ajis02-2579	357	3	direction	direction	NOUN
ajis02-2579	357	4	for	for	ADP
ajis02-2579	357	5	additional	additional	ADJ
ajis02-2579	357	6	research	research	NOUN
ajis02-2579	357	7	would	would	AUX
ajis02-2579	357	8	be	be	AUX
ajis02-2579	357	9	to	to	PART
ajis02-2579	357	10	examine	examine	VERB
ajis02-2579	357	11	the	the	DET
ajis02-2579	357	12	earlier	early	ADJ
ajis02-2579	357	13	stages	stage	NOUN
ajis02-2579	357	14	of	of	ADP
ajis02-2579	357	15	the	the	DET
ajis02-2579	357	16	adoption	adoption	NOUN
ajis02-2579	357	17	process	process	NOUN
ajis02-2579	357	18	and	and	CCONJ
ajis02-2579	357	19	to	to	PART
ajis02-2579	357	20	capture	capture	VERB
ajis02-2579	357	21	the	the	DET
ajis02-2579	357	22	responses	response	NOUN
ajis02-2579	357	23	of	of	ADP
ajis02-2579	357	24	individuals	individual	NOUN
ajis02-2579	357	25	who	who	PRON
ajis02-2579	357	26	eventually	eventually	ADV
ajis02-2579	357	27	stop	stop	VERB
ajis02-2579	357	28	using	use	VERB
ajis02-2579	357	29	mobile	mobile	ADJ
ajis02-2579	357	30	money	money	NOUN
ajis02-2579	357	31	.	.	PUNCT
ajis02-2579	358	1	finally	finally	ADV
ajis02-2579	358	2	,	,	PUNCT
ajis02-2579	358	3	the	the	DET
ajis02-2579	358	4	results	result	NOUN
ajis02-2579	358	5	of	of	ADP
ajis02-2579	358	6	this	this	DET
ajis02-2579	358	7	study	study	NOUN
ajis02-2579	358	8	are	be	AUX
ajis02-2579	358	9	valid	valid	ADJ
ajis02-2579	358	10	only	only	ADV
ajis02-2579	358	11	for	for	ADP
ajis02-2579	358	12	the	the	DET
ajis02-2579	358	13	african	african	ADJ
ajis02-2579	358	14	context	context	NOUN
ajis02-2579	358	15	,	,	PUNCT
ajis02-2579	358	16	which	which	PRON
ajis02-2579	358	17	is	be	AUX
ajis02-2579	358	18	characterised	characterise	VERB
ajis02-2579	358	19	by	by	ADP
ajis02-2579	358	20	a	a	DET
ajis02-2579	358	21	very	very	ADV
ajis02-2579	358	22	high	high	ADJ
ajis02-2579	358	23	penetration	penetration	NOUN
ajis02-2579	358	24	rate	rate	NOUN
ajis02-2579	358	25	of	of	ADP
ajis02-2579	358	26	mobile	mobile	ADJ
ajis02-2579	358	27	phones	phone	NOUN
ajis02-2579	358	28	in	in	ADP
ajis02-2579	358	29	spite	spite	NOUN
ajis02-2579	358	30	of	of	ADP
ajis02-2579	358	31	widespread	widespread	ADJ
ajis02-2579	358	32	poverty	poverty	NOUN
ajis02-2579	358	33	and	and	CCONJ
ajis02-2579	358	34	limited	limited	ADJ
ajis02-2579	358	35	infrastructure	infrastructure	NOUN
ajis02-2579	358	36	.	.	PUNCT
ajis02-2579	359	1	more	more	ADV
ajis02-2579	359	2	empirical	empirical	ADJ
ajis02-2579	359	3	studies	study	NOUN
ajis02-2579	359	4	should	should	AUX
ajis02-2579	359	5	be	be	AUX
ajis02-2579	359	6	carried	carry	VERB
ajis02-2579	359	7	out	out	ADP
ajis02-2579	359	8	in	in	ADP
ajis02-2579	359	9	other	other	ADJ
ajis02-2579	359	10	cultural	cultural	ADJ
ajis02-2579	359	11	settings	setting	NOUN
ajis02-2579	359	12	with	with	ADP
ajis02-2579	359	13	similar	similar	ADJ
ajis02-2579	359	14	characteristics	characteristic	NOUN
ajis02-2579	359	15	of	of	ADP
ajis02-2579	359	16	widespread	widespread	ADJ
ajis02-2579	359	17	poverty	poverty	NOUN
ajis02-2579	359	18	,	,	PUNCT
ajis02-2579	359	19	limited	limited	ADJ
ajis02-2579	359	20	infrastructure	infrastructure	NOUN
ajis02-2579	359	21	and	and	CCONJ
ajis02-2579	359	22	minimal	minimal	ADJ
ajis02-2579	359	23	regulations	regulation	NOUN
ajis02-2579	359	24	,	,	PUNCT
ajis02-2579	359	25	to	to	PART
ajis02-2579	359	26	widen	widen	VERB
ajis02-2579	359	27	our	our	PRON
ajis02-2579	359	28	knowledge	knowledge	NOUN
ajis02-2579	359	29	.	.	PUNCT
ajis02-2579	360	1	australasian	australasian	ADJ
ajis02-2579	360	2	journal	journal	NOUN
ajis02-2579	360	3	of	of	ADP
ajis02-2579	360	4	information	information	NOUN
ajis02-2579	360	5	systems	system	NOUN
ajis02-2579	360	6	alhassan	alhassan	PROPN
ajis02-2579	360	7	,	,	PUNCT
ajis02-2579	360	8	li	li	PROPN
ajis02-2579	360	9	,	,	PUNCT
ajis02-2579	360	10	reddy	reddy	PROPN
ajis02-2579	360	11	&	&	CCONJ
ajis02-2579	360	12	duppati	duppati	PROPN
ajis02-2579	360	13	2020	2020	NUM
ajis02-2579	360	14	,	,	PUNCT
ajis02-2579	360	15	vol	vol	NOUN
ajis02-2579	360	16	24	24	NUM
ajis02-2579	360	17	,	,	PUNCT
ajis02-2579	360	18	research	research	NOUN
ajis02-2579	360	19	article	article	NOUN
ajis02-2579	360	20	consumer	consumer	NOUN
ajis02-2579	360	21	acceptance	acceptance	NOUN
ajis02-2579	360	22	and	and	CCONJ
ajis02-2579	360	23	continuance	continuance	NOUN
ajis02-2579	360	24	of	of	ADP
ajis02-2579	360	25	mobile	mobile	ADJ
ajis02-2579	360	26	money	money	NOUN
ajis02-2579	360	27	21	21	NUM
ajis02-2579	360	28	references	reference	NOUN
ajis02-2579	360	29	agarwal	agarwal	PROPN
ajis02-2579	360	30	,	,	PUNCT
ajis02-2579	360	31	ritu	ritu	NOUN
ajis02-2579	360	32	,	,	PUNCT
ajis02-2579	360	33	and	and	CCONJ
ajis02-2579	360	34	jayesh	jayesh	PROPN
ajis02-2579	360	35	prasad	prasad	PROPN
ajis02-2579	360	36	.	.	PUNCT
ajis02-2579	360	37	1999	1999	NUM
ajis02-2579	360	38	.	.	PUNCT
ajis02-2579	361	1	"	"	PUNCT
ajis02-2579	361	2	are	be	AUX
ajis02-2579	361	3	individual	individual	ADJ
ajis02-2579	361	4	differences	difference	NOUN
ajis02-2579	361	5	germane	germane	ADJ
ajis02-2579	361	6	to	to	ADP
ajis02-2579	361	7	the	the	DET
ajis02-2579	361	8	acceptance	acceptance	NOUN
ajis02-2579	361	9	of	of	ADP
ajis02-2579	361	10	new	new	ADJ
ajis02-2579	361	11	information	information	NOUN
ajis02-2579	361	12	technologies	technology	NOUN
ajis02-2579	361	13	?	?	PUNCT
ajis02-2579	361	14	"	"	PUNCT
ajis02-2579	361	15	decision	decision	NOUN
ajis02-2579	361	16	sciences	science	NOUN
ajis02-2579	361	17	30	30	NUM
ajis02-2579	361	18	(	(	PUNCT
ajis02-2579	361	19	2):361	2):361	NOUN
ajis02-2579	361	20	-	-	SYM
ajis02-2579	361	21	391	391	NUM
ajis02-2579	361	22	.	.	PUNCT
ajis02-2579	362	1	agarwal	agarwal	PROPN
ajis02-2579	362	2	,	,	PUNCT
ajis02-2579	362	3	r	r	NOUN
ajis02-2579	362	4	prasad	prasad	PROPN
ajis02-2579	362	5	,	,	PUNCT
ajis02-2579	362	6	j.	j.	PROPN
ajis02-2579	362	7	1997	1997	NUM
ajis02-2579	362	8	.	.	PUNCT
ajis02-2579	363	1	the	the	DET
ajis02-2579	363	2	role	role	NOUN
ajis02-2579	363	3	of	of	ADP
ajis02-2579	363	4	innovation	innovation	NOUN
ajis02-2579	363	5	characteristics	characteristic	NOUN
ajis02-2579	363	6	and	and	CCONJ
ajis02-2579	363	7	perceived	perceive	VERB
ajis02-2579	363	8	voluntariness	voluntariness	ADV
ajis02-2579	363	9	in	in	ADP
ajis02-2579	363	10	the	the	DET
ajis02-2579	363	11	acceptance	acceptance	NOUN
ajis02-2579	363	12	of	of	ADP
ajis02-2579	363	13	information	information	NOUN
ajis02-2579	363	14	technologies	technology	NOUN
ajis02-2579	363	15	.	.	PUNCT
ajis02-2579	364	1	decision	decision	NOUN
ajis02-2579	364	2	science	science	NOUN
ajis02-2579	364	3	,	,	PUNCT
ajis02-2579	364	4	28,(3	28,(3	NOUN
ajis02-2579	364	5	)	)	PUNCT
ajis02-2579	364	6	,	,	PUNCT
ajis02-2579	364	7	557	557	NUM
ajis02-2579	364	8	-	-	SYM
ajis02-2579	364	9	582	582	NUM
ajis02-2579	364	10	.	.	PUNCT
ajis02-2579	364	11	aker	aker	NOUN
ajis02-2579	364	12	,	,	PUNCT
ajis02-2579	364	13	jenny	jenny	PROPN
ajis02-2579	364	14	c	c	PROPN
ajis02-2579	364	15	,	,	PUNCT
ajis02-2579	364	16	rachid	rachid	PROPN
ajis02-2579	364	17	boumnijel	boumnijel	PROPN
ajis02-2579	364	18	,	,	PUNCT
ajis02-2579	364	19	amanda	amanda	PROPN
ajis02-2579	364	20	mcclelland	mcclelland	PROPN
ajis02-2579	364	21	,	,	PUNCT
ajis02-2579	364	22	and	and	CCONJ
ajis02-2579	364	23	niall	niall	PROPN
ajis02-2579	364	24	tierney	tierney	PROPN
ajis02-2579	364	25	.	.	PUNCT
ajis02-2579	364	26	2016	2016	NUM
ajis02-2579	364	27	.	.	PUNCT
ajis02-2579	365	1	"	"	PUNCT
ajis02-2579	365	2	payment	payment	NOUN
ajis02-2579	365	3	mechanisms	mechanism	NOUN
ajis02-2579	365	4	and	and	CCONJ
ajis02-2579	365	5	anti	anti	ADJ
ajis02-2579	365	6	-	-	ADJ
ajis02-2579	365	7	poverty	poverty	ADJ
ajis02-2579	365	8	programs	program	NOUN
ajis02-2579	365	9	:	:	PUNCT
ajis02-2579	365	10	evidence	evidence	NOUN
ajis02-2579	365	11	from	from	ADP
ajis02-2579	365	12	a	a	DET
ajis02-2579	365	13	mobile	mobile	ADJ
ajis02-2579	365	14	money	money	NOUN
ajis02-2579	365	15	cash	cash	NOUN
ajis02-2579	365	16	transfer	transfer	NOUN
ajis02-2579	365	17	experiment	experiment	NOUN
ajis02-2579	365	18	in	in	ADP
ajis02-2579	365	19	niger	niger	NOUN
ajis02-2579	365	20	.	.	PUNCT
ajis02-2579	365	21	"	"	PUNCT
ajis02-2579	366	1	economic	economic	ADJ
ajis02-2579	366	2	development	development	NOUN
ajis02-2579	366	3	and	and	CCONJ
ajis02-2579	366	4	cultural	cultural	ADJ
ajis02-2579	366	5	change	change	NOUN
ajis02-2579	366	6	65	65	NUM
ajis02-2579	366	7	(	(	PUNCT
ajis02-2579	366	8	1):1	1):1	NUM
ajis02-2579	366	9	-	-	SYM
ajis02-2579	366	10	37	37	NUM
ajis02-2579	366	11	.	.	PUNCT
ajis02-2579	366	12	aker	aker	NOUN
ajis02-2579	366	13	,	,	PUNCT
ajis02-2579	366	14	jenny	jenny	NOUN
ajis02-2579	366	15	c	c	PROPN
ajis02-2579	366	16	,	,	PUNCT
ajis02-2579	366	17	and	and	CCONJ
ajis02-2579	366	18	isaac	isaac	PROPN
ajis02-2579	366	19	m	m	PROPN
ajis02-2579	366	20	mbiti	mbiti	PROPN
ajis02-2579	366	21	.	.	PUNCT
ajis02-2579	366	22	2010	2010	NUM
ajis02-2579	366	23	.	.	PUNCT
ajis02-2579	367	1	"	"	PUNCT
ajis02-2579	367	2	mobile	mobile	ADJ
ajis02-2579	367	3	phones	phone	NOUN
ajis02-2579	367	4	and	and	CCONJ
ajis02-2579	367	5	economic	economic	ADJ
ajis02-2579	367	6	development	development	NOUN
ajis02-2579	367	7	in	in	ADP
ajis02-2579	367	8	africa	africa	PROPN
ajis02-2579	367	9	.	.	PUNCT
ajis02-2579	367	10	"	"	PUNCT
ajis02-2579	368	1	journal	journal	NOUN
ajis02-2579	368	2	of	of	ADP
ajis02-2579	368	3	economic	economic	ADJ
ajis02-2579	368	4	perspectives	perspective	NOUN
ajis02-2579	368	5	24	24	NUM
ajis02-2579	368	6	(	(	PUNCT
ajis02-2579	368	7	3):207	3):207	NUM
ajis02-2579	368	8	-	-	SYM
ajis02-2579	368	9	32	32	NUM
ajis02-2579	368	10	.	.	PUNCT
ajis02-2579	369	1	asongu	asongu	PROPN
ajis02-2579	369	2	,	,	PUNCT
ajis02-2579	369	3	simplice	simplice	NOUN
ajis02-2579	369	4	.	.	PUNCT
ajis02-2579	369	5	2015	2015	NUM
ajis02-2579	369	6	.	.	PUNCT
ajis02-2579	370	1	"	"	PUNCT
ajis02-2579	370	2	the	the	DET
ajis02-2579	370	3	impact	impact	NOUN
ajis02-2579	370	4	of	of	ADP
ajis02-2579	370	5	mobile	mobile	ADJ
ajis02-2579	370	6	phone	phone	NOUN
ajis02-2579	370	7	penetration	penetration	NOUN
ajis02-2579	370	8	on	on	ADP
ajis02-2579	370	9	african	african	ADJ
ajis02-2579	370	10	inequality	inequality	NOUN
ajis02-2579	370	11	.	.	PUNCT
ajis02-2579	370	12	"	"	PUNCT
ajis02-2579	371	1	international	international	ADJ
ajis02-2579	371	2	journal	journal	NOUN
ajis02-2579	371	3	of	of	ADP
ajis02-2579	371	4	social	social	ADJ
ajis02-2579	371	5	economics	economic	NOUN
ajis02-2579	371	6	42	42	NUM
ajis02-2579	371	7	(	(	PUNCT
ajis02-2579	371	8	8):706	8):706	NUM
ajis02-2579	371	9	-	-	NOUN
ajis02-2579	371	10	716	716	NUM
ajis02-2579	371	11	.	.	PUNCT
ajis02-2579	372	1	bagozzi	bagozzi	PROPN
ajis02-2579	372	2	,	,	PUNCT
ajis02-2579	372	3	richard	richard	PROPN
ajis02-2579	372	4	p.	p.	PROPN
ajis02-2579	372	5	,	,	PUNCT
ajis02-2579	372	6	2007	2007	NUM
ajis02-2579	372	7	.	.	PUNCT
ajis02-2579	373	1	"	"	PUNCT
ajis02-2579	373	2	the	the	DET
ajis02-2579	373	3	legacy	legacy	NOUN
ajis02-2579	373	4	of	of	ADP
ajis02-2579	373	5	the	the	DET
ajis02-2579	373	6	technology	technology	NOUN
ajis02-2579	373	7	acceptance	acceptance	NOUN
ajis02-2579	373	8	model	model	NOUN
ajis02-2579	373	9	and	and	CCONJ
ajis02-2579	373	10	a	a	DET
ajis02-2579	373	11	proposal	proposal	NOUN
ajis02-2579	373	12	for	for	ADP
ajis02-2579	373	13	a	a	DET
ajis02-2579	373	14	paradigm	paradigm	NOUN
ajis02-2579	373	15	shift	shift	NOUN
ajis02-2579	373	16	.	.	PUNCT
ajis02-2579	373	17	"	"	PUNCT
ajis02-2579	374	1	journal	journal	NOUN
ajis02-2579	374	2	of	of	ADP
ajis02-2579	374	3	the	the	DET
ajis02-2579	374	4	association	association	NOUN
ajis02-2579	374	5	for	for	ADP
ajis02-2579	374	6	information	information	NOUN
ajis02-2579	374	7	systems	system	NOUN
ajis02-2579	374	8	8	8	NUM
ajis02-2579	374	9	(	(	PUNCT
ajis02-2579	374	10	4):243	4):243	NUM
ajis02-2579	374	11	-	-	PUNCT
ajis02-2579	374	12	254	254	NUM
ajis02-2579	374	13	.	.	PUNCT
ajis02-2579	375	1	bailey	bailey	PROPN
ajis02-2579	375	2	,	,	PUNCT
ajis02-2579	375	3	a.a	a.a	PROPN
ajis02-2579	375	4	.	.	PROPN
ajis02-2579	375	5	;	;	PUNCT
ajis02-2579	375	6	pentina	pentina	PROPN
ajis02-2579	375	7	,	,	PUNCT
ajis02-2579	375	8	i.	i.	PROPN
ajis02-2579	375	9	;	;	PUNCT
ajis02-2579	375	10	mishra	mishra	PROPN
ajis02-2579	375	11	,	,	PUNCT
ajis02-2579	375	12	a.s	a.s	PROPN
ajis02-2579	375	13	.	.	PROPN
ajis02-2579	375	14	;	;	PUNCT
ajis02-2579	375	15	mimoun	mimoun	INTJ
ajis02-2579	375	16	,	,	PUNCT
ajis02-2579	375	17	m.s.b	m.s.b	ADJ
ajis02-2579	375	18	.	.	PUNCT
ajis02-2579	375	19	(	(	PUNCT
ajis02-2579	375	20	2017	2017	NUM
ajis02-2579	375	21	)	)	PUNCT
ajis02-2579	375	22	.	.	PUNCT
ajis02-2579	376	1	mobile	mobile	ADJ
ajis02-2579	376	2	payments	payment	NOUN
ajis02-2579	376	3	adoption	adoption	NOUN
ajis02-2579	376	4	by	by	ADP
ajis02-2579	376	5	us	us	PROPN
ajis02-2579	376	6	consumers	consumer	NOUN
ajis02-2579	376	7	:	:	PUNCT
ajis02-2579	376	8	an	an	DET
ajis02-2579	376	9	extended	extended	ADJ
ajis02-2579	376	10	tam	tam	NOUN
ajis02-2579	376	11	.	.	PUNCT
ajis02-2579	377	1	int	int	PROPN
ajis02-2579	377	2	.	.	PUNCT
ajis02-2579	378	1	journal	journal	PROPN
ajis02-2579	378	2	of	of	ADP
ajis02-2579	378	3	retail	retail	ADJ
ajis02-2579	378	4	distribution	distribution	NOUN
ajis02-2579	378	5	management	management	NOUN
ajis02-2579	378	6	,	,	PUNCT
ajis02-2579	378	7	45	45	NUM
ajis02-2579	378	8	,	,	PUNCT
ajis02-2579	378	9	626	626	NUM
ajis02-2579	378	10	–	–	PUNCT
ajis02-2579	378	11	640	640	NUM
ajis02-2579	378	12	.	.	X
ajis02-2579	379	1	baron	baron	NOUN
ajis02-2579	379	2	,	,	PUNCT
ajis02-2579	379	3	reuben	reuben	PROPN
ajis02-2579	379	4	m	m	PRON
ajis02-2579	379	5	,	,	PUNCT
ajis02-2579	379	6	and	and	CCONJ
ajis02-2579	379	7	david	david	PROPN
ajis02-2579	379	8	a	a	PROPN
ajis02-2579	379	9	,	,	PUNCT
ajis02-2579	379	10	kenny	kenny	PROPN
ajis02-2579	379	11	.	.	PROPN
ajis02-2579	379	12	1986	1986	NUM
ajis02-2579	379	13	.	.	PUNCT
ajis02-2579	380	1	"	"	PUNCT
ajis02-2579	380	2	the	the	DET
ajis02-2579	380	3	moderator	moderator	NOUN
ajis02-2579	380	4	-	-	PUNCT
ajis02-2579	380	5	mediator	mediator	NOUN
ajis02-2579	380	6	variable	variable	ADJ
ajis02-2579	380	7	distinction	distinction	NOUN
ajis02-2579	380	8	in	in	ADP
ajis02-2579	380	9	social	social	ADJ
ajis02-2579	380	10	psychological	psychological	ADJ
ajis02-2579	380	11	research	research	NOUN
ajis02-2579	380	12	:	:	PUNCT
ajis02-2579	380	13	conceptual	conceptual	ADJ
ajis02-2579	380	14	,	,	PUNCT
ajis02-2579	380	15	strategic	strategic	ADJ
ajis02-2579	380	16	,	,	PUNCT
ajis02-2579	380	17	and	and	CCONJ
ajis02-2579	380	18	statistical	statistical	ADJ
ajis02-2579	380	19	considerations	consideration	NOUN
ajis02-2579	380	20	.	.	PUNCT
ajis02-2579	380	21	"	"	PUNCT
ajis02-2579	381	1	journal	journal	NOUN
ajis02-2579	381	2	of	of	ADP
ajis02-2579	381	3	personality	personality	NOUN
ajis02-2579	381	4	and	and	CCONJ
ajis02-2579	381	5	social	social	ADJ
ajis02-2579	381	6	psychology	psychology	NOUN
ajis02-2579	381	7	51	51	NUM
ajis02-2579	381	8	(	(	PUNCT
ajis02-2579	381	9	6):1173	6):1173	NOUN
ajis02-2579	381	10	-	-	PUNCT
ajis02-2579	381	11	1182	1182	NUM
ajis02-2579	381	12	.	.	PUNCT
ajis02-2579	382	1	benbasat	benbasat	VERB
ajis02-2579	382	2	,	,	PUNCT
ajis02-2579	382	3	izak	izak	NOUN
ajis02-2579	382	4	,	,	PUNCT
ajis02-2579	382	5	and	and	CCONJ
ajis02-2579	382	6	henri	henri	PROPN
ajis02-2579	382	7	barki	barki	NOUN
ajis02-2579	382	8	.	.	PUNCT
ajis02-2579	383	1	2007	2007	NUM
ajis02-2579	383	2	.	.	PUNCT
ajis02-2579	384	1	"	"	PUNCT
ajis02-2579	384	2	quo	quo	NOUN
ajis02-2579	384	3	vadis	vadis	PROPN
ajis02-2579	384	4	tam	tam	PROPN
ajis02-2579	384	5	?	?	PUNCT
ajis02-2579	384	6	"	"	PUNCT
ajis02-2579	384	7	journal	journal	NOUN
ajis02-2579	384	8	of	of	ADP
ajis02-2579	384	9	the	the	DET
ajis02-2579	384	10	association	association	NOUN
ajis02-2579	384	11	for	for	ADP
ajis02-2579	384	12	information	information	NOUN
ajis02-2579	384	13	systems	system	NOUN
ajis02-2579	384	14	8	8	NUM
ajis02-2579	384	15	(	(	PUNCT
ajis02-2579	384	16	4):7	4):7	NOUN
ajis02-2579	384	17	.	.	PUNCT
ajis02-2579	384	18	berry	berry	PROPN
ajis02-2579	384	19	,	,	PUNCT
ajis02-2579	384	20	william	william	PROPN
ajis02-2579	384	21	d	d	PROPN
ajis02-2579	384	22	,	,	PUNCT
ajis02-2579	384	23	william	william	PROPN
ajis02-2579	384	24	d	d	PROPN
ajis02-2579	384	25	berry	berry	PROPN
ajis02-2579	384	26	,	,	PUNCT
ajis02-2579	384	27	stanley	stanley	PROPN
ajis02-2579	384	28	feldman	feldman	PROPN
ajis02-2579	384	29	,	,	PUNCT
ajis02-2579	384	30	and	and	CCONJ
ajis02-2579	384	31	dr	dr	PROPN
ajis02-2579	384	32	stanley	stanley	PROPN
ajis02-2579	384	33	feldman	feldman	PROPN
ajis02-2579	384	34	.	.	PUNCT
ajis02-2579	385	1	1985	1985	NUM
ajis02-2579	385	2	.	.	PUNCT
ajis02-2579	386	1	multiple	multiple	ADJ
ajis02-2579	386	2	regression	regression	NOUN
ajis02-2579	386	3	in	in	ADP
ajis02-2579	386	4	practice	practice	NOUN
ajis02-2579	386	5	:	:	PUNCT
ajis02-2579	386	6	sage	sage	NOUN
ajis02-2579	386	7	.	.	PUNCT
ajis02-2579	387	1	bhattacherjee	bhattacherjee	ADJ
ajis02-2579	387	2	,	,	PUNCT
ajis02-2579	387	3	anol	anol	ADV
ajis02-2579	387	4	,	,	PUNCT
ajis02-2579	387	5	2001	2001	NUM
ajis02-2579	387	6	.	.	PUNCT
ajis02-2579	388	1	"	"	PUNCT
ajis02-2579	388	2	understanding	understand	VERB
ajis02-2579	388	3	information	information	NOUN
ajis02-2579	388	4	systems	system	NOUN
ajis02-2579	388	5	continuance	continuance	NOUN
ajis02-2579	388	6	:	:	PUNCT
ajis02-2579	388	7	an	an	DET
ajis02-2579	388	8	expectationconfirmation	expectationconfirmation	NOUN
ajis02-2579	388	9	model	model	NOUN
ajis02-2579	388	10	.	.	PUNCT
ajis02-2579	388	11	"	"	PUNCT
ajis02-2579	389	1	mis	mis	PROPN
ajis02-2579	389	2	quarterly	quarterly	PROPN
ajis02-2579	389	3	,	,	PUNCT
ajis02-2579	389	4	351	351	NUM
ajis02-2579	389	5	-	-	SYM
ajis02-2579	389	6	370	370	NUM
ajis02-2579	389	7	.	.	PUNCT
ajis02-2579	390	1	bollen	bollen	PROPN
ajis02-2579	390	2	,	,	PUNCT
ajis02-2579	390	3	kenneth	kenneth	PROPN
ajis02-2579	390	4	a.	a.	PROPN
ajis02-2579	390	5	,	,	PUNCT
ajis02-2579	390	6	1987	1987	NUM
ajis02-2579	390	7	.	.	PUNCT
ajis02-2579	391	1	"	"	PUNCT
ajis02-2579	391	2	total	total	ADJ
ajis02-2579	391	3	,	,	PUNCT
ajis02-2579	391	4	direct	direct	ADJ
ajis02-2579	391	5	,	,	PUNCT
ajis02-2579	391	6	and	and	CCONJ
ajis02-2579	391	7	indirect	indirect	ADJ
ajis02-2579	391	8	effects	effect	NOUN
ajis02-2579	391	9	in	in	ADP
ajis02-2579	391	10	structural	structural	ADJ
ajis02-2579	391	11	equation	equation	NOUN
ajis02-2579	391	12	models	model	NOUN
ajis02-2579	391	13	.	.	PUNCT
ajis02-2579	391	14	"	"	PUNCT
ajis02-2579	392	1	sociological	sociological	ADJ
ajis02-2579	392	2	methodology:37	methodology:37	NOUN
ajis02-2579	392	3	-	-	PUNCT
ajis02-2579	392	4	69	69	NUM
ajis02-2579	392	5	.	.	PUNCT
ajis02-2579	392	6	doi	doi	NOUN
ajis02-2579	392	7	:	:	PUNCT
ajis02-2579	392	8	url	url	NOUN
ajis02-2579	392	9	:	:	PUNCT
ajis02-2579	392	10	https://www.jstor.org/stable/271028	https://www.jstor.org/stable/271028	PROPN
ajis02-2579	392	11	.	.	PUNCT
ajis02-2579	393	1	davis	davis	PROPN
ajis02-2579	393	2	,	,	PUNCT
ajis02-2579	393	3	fred	fred	PROPN
ajis02-2579	393	4	d.	d.	PROPN
ajis02-2579	393	5	,	,	PUNCT
ajis02-2579	393	6	1985	1985	NUM
ajis02-2579	393	7	.	.	PUNCT
ajis02-2579	394	1	"	"	PUNCT
ajis02-2579	394	2	a	a	DET
ajis02-2579	394	3	technology	technology	NOUN
ajis02-2579	394	4	acceptance	acceptance	NOUN
ajis02-2579	394	5	model	model	NOUN
ajis02-2579	394	6	for	for	ADP
ajis02-2579	394	7	empirically	empirically	ADV
ajis02-2579	394	8	testing	test	VERB
ajis02-2579	394	9	new	new	ADJ
ajis02-2579	394	10	end	end	NOUN
ajis02-2579	394	11	-	-	PUNCT
ajis02-2579	394	12	user	user	NOUN
ajis02-2579	394	13	information	information	NOUN
ajis02-2579	394	14	systems	system	NOUN
ajis02-2579	394	15	:	:	PUNCT
ajis02-2579	394	16	theory	theory	NOUN
ajis02-2579	394	17	and	and	CCONJ
ajis02-2579	394	18	results	result	NOUN
ajis02-2579	394	19	.	.	PUNCT
ajis02-2579	394	20	"	"	PUNCT
ajis02-2579	395	1	massachusetts	massachusetts	PROPN
ajis02-2579	395	2	institute	institute	PROPN
ajis02-2579	395	3	of	of	ADP
ajis02-2579	395	4	technology	technology	PROPN
ajis02-2579	395	5	,	,	PUNCT
ajis02-2579	395	6	boston	boston	PROPN
ajis02-2579	395	7	.	.	PUNCT
ajis02-2579	396	1	davis	davis	PROPN
ajis02-2579	396	2	,	,	PUNCT
ajis02-2579	396	3	fred	fred	PROPN
ajis02-2579	396	4	d.	d.	PROPN
ajis02-2579	396	5	1989	1989	NUM
ajis02-2579	396	6	.	.	PUNCT
ajis02-2579	397	1	"	"	PUNCT
ajis02-2579	397	2	perceived	perceive	VERB
ajis02-2579	397	3	usefulness	usefulness	NOUN
ajis02-2579	397	4	,	,	PUNCT
ajis02-2579	397	5	perceived	perceive	VERB
ajis02-2579	397	6	ease	ease	NOUN
ajis02-2579	397	7	of	of	ADP
ajis02-2579	397	8	use	use	NOUN
ajis02-2579	397	9	,	,	PUNCT
ajis02-2579	397	10	and	and	CCONJ
ajis02-2579	397	11	user	user	NOUN
ajis02-2579	397	12	acceptance	acceptance	NOUN
ajis02-2579	397	13	of	of	ADP
ajis02-2579	397	14	information	information	NOUN
ajis02-2579	397	15	technology	technology	NOUN
ajis02-2579	397	16	.	.	PUNCT
ajis02-2579	397	17	"	"	PUNCT
ajis02-2579	398	1	mis	mis	PROPN
ajis02-2579	398	2	quarterly	quarterly	PROPN
ajis02-2579	398	3	(	(	PUNCT
ajis02-2579	398	4	13(3)):319	13(3)):319	NUM
ajis02-2579	398	5	-	-	SYM
ajis02-2579	398	6	340	340	NUM
ajis02-2579	398	7	.	.	PUNCT
ajis02-2579	399	1	davis	davis	PROPN
ajis02-2579	399	2	,	,	PUNCT
ajis02-2579	399	3	fred	fred	PROPN
ajis02-2579	399	4	d	d	PROPN
ajis02-2579	399	5	,	,	PUNCT
ajis02-2579	399	6	richard	richard	PROPN
ajis02-2579	399	7	p	p	PROPN
ajis02-2579	399	8	bagozzi	bagozzi	NOUN
ajis02-2579	399	9	,	,	PUNCT
ajis02-2579	399	10	and	and	CCONJ
ajis02-2579	399	11	paul	paul	PROPN
ajis02-2579	399	12	r	r	PROPN
ajis02-2579	399	13	warshaw	warshaw	NOUN
ajis02-2579	399	14	.	.	PUNCT
ajis02-2579	399	15	1989	1989	NUM
ajis02-2579	399	16	.	.	PUNCT
ajis02-2579	400	1	"	"	PUNCT
ajis02-2579	400	2	user	user	NOUN
ajis02-2579	400	3	acceptance	acceptance	NOUN
ajis02-2579	400	4	of	of	ADP
ajis02-2579	400	5	computer	computer	NOUN
ajis02-2579	400	6	technology	technology	NOUN
ajis02-2579	400	7	:	:	PUNCT
ajis02-2579	400	8	a	a	DET
ajis02-2579	400	9	comparison	comparison	NOUN
ajis02-2579	400	10	of	of	ADP
ajis02-2579	400	11	two	two	NUM
ajis02-2579	400	12	theoretical	theoretical	ADJ
ajis02-2579	400	13	models	model	NOUN
ajis02-2579	400	14	.	.	PUNCT
ajis02-2579	400	15	"	"	PUNCT
ajis02-2579	401	1	management	management	NOUN
ajis02-2579	401	2	science	science	NOUN
ajis02-2579	401	3	35	35	NUM
ajis02-2579	401	4	(	(	PUNCT
ajis02-2579	401	5	8):9821003	8):9821003	PROPN
ajis02-2579	401	6	.	.	PUNCT
ajis02-2579	401	7	dawn	dawn	PROPN
ajis02-2579	401	8	iacobucci	iacobucci	NOUN
ajis02-2579	401	9	,	,	PUNCT
ajis02-2579	401	10	.	.	PUNCT
ajis02-2579	402	1	(	(	PUNCT
ajis02-2579	402	2	2009	2009	NUM
ajis02-2579	402	3	)	)	PUNCT
ajis02-2579	402	4	.	.	PUNCT
ajis02-2579	403	1	everything	everything	PRON
ajis02-2579	403	2	you	you	PRON
ajis02-2579	403	3	always	always	ADV
ajis02-2579	403	4	wanted	want	VERB
ajis02-2579	403	5	to	to	PART
ajis02-2579	403	6	know	know	VERB
ajis02-2579	403	7	about	about	ADP
ajis02-2579	403	8	sem	sem	PROPN
ajis02-2579	403	9	(	(	PUNCT
ajis02-2579	403	10	structural	structural	ADJ
ajis02-2579	403	11	equations	equation	NOUN
ajis02-2579	403	12	modeling	modeling	NOUN
ajis02-2579	403	13	)	)	PUNCT
ajis02-2579	403	14	but	but	CCONJ
ajis02-2579	403	15	were	be	AUX
ajis02-2579	403	16	afraid	afraid	ADJ
ajis02-2579	403	17	to	to	PART
ajis02-2579	403	18	ask	ask	VERB
ajis02-2579	403	19	.	.	PUNCT
ajis02-2579	404	1	journal	journal	PROPN
ajis02-2579	404	2	of	of	ADP
ajis02-2579	404	3	consumer	consumer	NOUN
ajis02-2579	404	4	psychology	psychology	NOUN
ajis02-2579	404	5	(	(	PUNCT
ajis02-2579	404	6	19	19	NUM
ajis02-2579	404	7	)	)	PUNCT
ajis02-2579	404	8	673–680	673–680	NUM
ajis02-2579	404	9	.	.	PUNCT
ajis02-2579	405	1	de	de	PROPN
ajis02-2579	405	2	koker	koker	PROPN
ajis02-2579	405	3	,	,	PUNCT
ajis02-2579	405	4	l.	l.	PROPN
ajis02-2579	405	5	,	,	PUNCT
ajis02-2579	405	6	&	&	CCONJ
ajis02-2579	405	7	jentzsch	jentzsch	PROPN
ajis02-2579	405	8	,	,	PUNCT
ajis02-2579	405	9	n.	n.	NOUN
ajis02-2579	405	10	(	(	PUNCT
ajis02-2579	405	11	2013	2013	NUM
ajis02-2579	405	12	)	)	PUNCT
ajis02-2579	405	13	.	.	PUNCT
ajis02-2579	406	1	financial	financial	ADJ
ajis02-2579	406	2	inclusion	inclusion	NOUN
ajis02-2579	406	3	and	and	CCONJ
ajis02-2579	406	4	financial	financial	ADJ
ajis02-2579	406	5	integrity	integrity	NOUN
ajis02-2579	406	6	:	:	PUNCT
ajis02-2579	406	7	aligned	align	VERB
ajis02-2579	406	8	incentives	incentive	NOUN
ajis02-2579	406	9	?	?	PUNCT
ajis02-2579	406	10	.	.	PUNCT
ajis02-2579	407	1	world	world	PROPN
ajis02-2579	407	2	development	development	PROPN
ajis02-2579	407	3	,	,	PUNCT
ajis02-2579	407	4	44	44	NUM
ajis02-2579	407	5	,	,	PUNCT
ajis02-2579	407	6	267	267	NUM
ajis02-2579	407	7	-	-	SYM
ajis02-2579	407	8	280	280	NUM
ajis02-2579	407	9	.	.	PUNCT
ajis02-2579	408	1	https://www.jstor.org/stable/271028	https://www.jstor.org/stable/271028	ADJ
ajis02-2579	408	2	australasian	australasian	ADJ
ajis02-2579	408	3	journal	journal	NOUN
ajis02-2579	408	4	of	of	ADP
ajis02-2579	408	5	information	information	NOUN
ajis02-2579	408	6	systems	system	NOUN
ajis02-2579	408	7	alhassan	alhassan	PROPN
ajis02-2579	408	8	,	,	PUNCT
ajis02-2579	408	9	li	li	PROPN
ajis02-2579	408	10	,	,	PUNCT
ajis02-2579	408	11	reddy	reddy	PROPN
ajis02-2579	408	12	&	&	CCONJ
ajis02-2579	408	13	duppati	duppati	PROPN
ajis02-2579	408	14	2020	2020	NUM
ajis02-2579	408	15	,	,	PUNCT
ajis02-2579	408	16	vol	vol	NOUN
ajis02-2579	408	17	24	24	NUM
ajis02-2579	408	18	,	,	PUNCT
ajis02-2579	408	19	research	research	NOUN
ajis02-2579	408	20	article	article	NOUN
ajis02-2579	408	21	consumer	consumer	NOUN
ajis02-2579	408	22	acceptance	acceptance	NOUN
ajis02-2579	408	23	and	and	CCONJ
ajis02-2579	408	24	continuance	continuance	NOUN
ajis02-2579	408	25	of	of	ADP
ajis02-2579	408	26	mobile	mobile	ADJ
ajis02-2579	408	27	money	money	NOUN
ajis02-2579	408	28	22	22	NUM
ajis02-2579	408	29	demirgüç	demirgüç	NOUN
ajis02-2579	408	30	-	-	PUNCT
ajis02-2579	408	31	kunt	kunt	PROPN
ajis02-2579	408	32	,	,	PUNCT
ajis02-2579	408	33	asli	asli	PROPN
ajis02-2579	408	34	,	,	PUNCT
ajis02-2579	408	35	leora	leora	PROPN
ajis02-2579	408	36	f	f	PROPN
ajis02-2579	408	37	klapper	klapper	PROPN
ajis02-2579	408	38	,	,	PUNCT
ajis02-2579	408	39	dorothe	dorothe	PRON
ajis02-2579	408	40	singer	singer	NOUN
ajis02-2579	408	41	,	,	PUNCT
ajis02-2579	408	42	and	and	CCONJ
ajis02-2579	408	43	peter	peter	PROPN
ajis02-2579	408	44	van	van	PROPN
ajis02-2579	408	45	oudheusden	oudheusden	PROPN
ajis02-2579	408	46	.	.	PUNCT
ajis02-2579	409	1	2015	2015	NUM
ajis02-2579	409	2	.	.	PUNCT
ajis02-2579	410	1	"	"	PUNCT
ajis02-2579	410	2	the	the	DET
ajis02-2579	410	3	global	global	ADJ
ajis02-2579	410	4	findex	findex	PROPN
ajis02-2579	410	5	database	database	NOUN
ajis02-2579	410	6	2014	2014	NUM
ajis02-2579	410	7	:	:	PUNCT
ajis02-2579	410	8	measuring	measure	VERB
ajis02-2579	410	9	financial	financial	ADJ
ajis02-2579	410	10	inclusion	inclusion	NOUN
ajis02-2579	410	11	around	around	ADP
ajis02-2579	410	12	the	the	DET
ajis02-2579	410	13	world	world	NOUN
ajis02-2579	410	14	.	.	PUNCT
ajis02-2579	410	15	"	"	PUNCT
ajis02-2579	411	1	the	the	DET
ajis02-2579	411	2	world	world	PROPN
ajis02-2579	411	3	bank	bank	PROPN
ajis02-2579	411	4	.	.	PUNCT
ajis02-2579	412	1	demirguc	demirguc	PROPN
ajis02-2579	412	2	-	-	PUNCT
ajis02-2579	412	3	kunt	kunt	PROPN
ajis02-2579	412	4	,	,	PUNCT
ajis02-2579	412	5	asli	asli	PROPN
ajis02-2579	412	6	,	,	PUNCT
ajis02-2579	412	7	leora	leora	PROPN
ajis02-2579	412	8	klapper	klapper	PROPN
ajis02-2579	412	9	,	,	PUNCT
ajis02-2579	412	10	dorothe	dorothe	PRON
ajis02-2579	412	11	singer	singer	NOUN
ajis02-2579	412	12	,	,	PUNCT
ajis02-2579	412	13	saniya	saniya	PROPN
ajis02-2579	412	14	ansar	ansar	PROPN
ajis02-2579	412	15	,	,	PUNCT
ajis02-2579	412	16	and	and	CCONJ
ajis02-2579	412	17	jake	jake	PROPN
ajis02-2579	412	18	hess	hess	PROPN
ajis02-2579	412	19	.	.	PUNCT
ajis02-2579	413	1	2018	2018	NUM
ajis02-2579	413	2	.	.	PUNCT
ajis02-2579	414	1	the	the	DET
ajis02-2579	414	2	global	global	ADJ
ajis02-2579	414	3	findex	findex	PROPN
ajis02-2579	414	4	database	database	PROPN
ajis02-2579	414	5	2017	2017	NUM
ajis02-2579	414	6	:	:	PUNCT
ajis02-2579	414	7	measuring	measure	VERB
ajis02-2579	414	8	financial	financial	ADJ
ajis02-2579	414	9	inclusion	inclusion	NOUN
ajis02-2579	414	10	and	and	CCONJ
ajis02-2579	414	11	the	the	DET
ajis02-2579	414	12	fintech	fintech	NOUN
ajis02-2579	414	13	revolution	revolution	NOUN
ajis02-2579	414	14	:	:	PUNCT
ajis02-2579	414	15	the	the	DET
ajis02-2579	414	16	world	world	PROPN
ajis02-2579	414	17	bank	bank	PROPN
ajis02-2579	414	18	.	.	PUNCT
ajis02-2579	415	1	donovan	donovan	PROPN
ajis02-2579	415	2	,	,	PUNCT
ajis02-2579	415	3	kevin	kevin	PROPN
ajis02-2579	415	4	.	.	PROPN
ajis02-2579	415	5	2012	2012	NUM
ajis02-2579	415	6	.	.	PUNCT
ajis02-2579	416	1	"	"	PUNCT
ajis02-2579	416	2	mobile	mobile	ADJ
ajis02-2579	416	3	money	money	NOUN
ajis02-2579	416	4	for	for	ADP
ajis02-2579	416	5	financial	financial	ADJ
ajis02-2579	416	6	inclusion	inclusion	NOUN
ajis02-2579	416	7	.	.	PUNCT
ajis02-2579	416	8	"	"	PUNCT
ajis02-2579	417	1	information	information	NOUN
ajis02-2579	417	2	and	and	CCONJ
ajis02-2579	417	3	communications	communication	NOUN
ajis02-2579	417	4	for	for	ADP
ajis02-2579	417	5	development	development	NOUN
ajis02-2579	417	6	61	61	NUM
ajis02-2579	417	7	(	(	PUNCT
ajis02-2579	417	8	1):61	1):61	NUM
ajis02-2579	417	9	-	-	SYM
ajis02-2579	417	10	73	73	NUM
ajis02-2579	417	11	.	.	PUNCT
ajis02-2579	418	1	dupas	dupas	NOUN
ajis02-2579	418	2	,	,	PUNCT
ajis02-2579	418	3	pascaline	pascaline	NOUN
ajis02-2579	418	4	,	,	PUNCT
ajis02-2579	418	5	sarah	sarah	PROPN
ajis02-2579	418	6	green	green	PROPN
ajis02-2579	418	7	,	,	PUNCT
ajis02-2579	418	8	anthony	anthony	PROPN
ajis02-2579	418	9	keats	keats	PROPN
ajis02-2579	418	10	,	,	PUNCT
ajis02-2579	418	11	and	and	CCONJ
ajis02-2579	418	12	jonathan	jonathan	PROPN
ajis02-2579	418	13	robinson	robinson	PROPN
ajis02-2579	418	14	.	.	PROPN
ajis02-2579	418	15	2012	2012	NUM
ajis02-2579	418	16	.	.	PUNCT
ajis02-2579	419	1	challenges	challenge	NOUN
ajis02-2579	419	2	in	in	ADP
ajis02-2579	419	3	banking	bank	VERB
ajis02-2579	419	4	the	the	DET
ajis02-2579	419	5	rural	rural	ADJ
ajis02-2579	419	6	poor	poor	ADJ
ajis02-2579	419	7	:	:	PUNCT
ajis02-2579	419	8	evidence	evidence	NOUN
ajis02-2579	419	9	from	from	ADP
ajis02-2579	419	10	kenya	kenya	PROPN
ajis02-2579	419	11	's	's	PART
ajis02-2579	419	12	western	western	ADJ
ajis02-2579	419	13	province	province	NOUN
ajis02-2579	419	14	.	.	PUNCT
ajis02-2579	420	1	national	national	PROPN
ajis02-2579	420	2	bureau	bureau	PROPN
ajis02-2579	420	3	of	of	ADP
ajis02-2579	420	4	economic	economic	ADJ
ajis02-2579	420	5	research	research	NOUN
ajis02-2579	420	6	.	.	PUNCT
ajis02-2579	421	1	eriksson	eriksson	PROPN
ajis02-2579	421	2	,	,	PUNCT
ajis02-2579	421	3	evanjeline	evanjeline	PROPN
ajis02-2579	421	4	.	.	PUNCT
ajis02-2579	422	1	2008	2008	NUM
ajis02-2579	422	2	.	.	PUNCT
ajis02-2579	423	1	a	a	DET
ajis02-2579	423	2	case	case	NOUN
ajis02-2579	423	3	study	study	NOUN
ajis02-2579	423	4	about	about	ADP
ajis02-2579	423	5	cell	cell	NOUN
ajis02-2579	423	6	phone	phone	NOUN
ajis02-2579	423	7	use	use	NOUN
ajis02-2579	423	8	by	by	ADP
ajis02-2579	423	9	people	people	NOUN
ajis02-2579	423	10	in	in	ADP
ajis02-2579	423	11	rural	rural	ADJ
ajis02-2579	423	12	kenya	kenya	NOUN
ajis02-2579	423	13	.	.	PUNCT
ajis02-2579	424	1	divaportal.org	divaportal.org	X
ajis02-2579	424	2	.	.	PUNCT
ajis02-2579	425	1	fishbein	fishbein	PROPN
ajis02-2579	425	2	,	,	PUNCT
ajis02-2579	425	3	martin	martin	PROPN
ajis02-2579	425	4	,	,	PUNCT
ajis02-2579	425	5	and	and	CCONJ
ajis02-2579	425	6	icek	icek	PROPN
ajis02-2579	425	7	ajzen	ajzen	NOUN
ajis02-2579	425	8	.	.	PUNCT
ajis02-2579	425	9	1975	1975	NUM
ajis02-2579	425	10	.	.	PUNCT
ajis02-2579	426	1	belief	belief	NOUN
ajis02-2579	426	2	,	,	PUNCT
ajis02-2579	426	3	attitude	attitude	NOUN
ajis02-2579	426	4	,	,	PUNCT
ajis02-2579	426	5	intention	intention	NOUN
ajis02-2579	426	6	and	and	CCONJ
ajis02-2579	426	7	behaviour	behaviour	NOUN
ajis02-2579	426	8	:	:	PUNCT
ajis02-2579	426	9	an	an	DET
ajis02-2579	426	10	introduction	introduction	NOUN
ajis02-2579	426	11	to	to	ADP
ajis02-2579	426	12	theory	theory	NOUN
ajis02-2579	426	13	and	and	CCONJ
ajis02-2579	426	14	research	research	NOUN
ajis02-2579	426	15	.	.	PUNCT
ajis02-2579	427	1	goodhue	goodhue	NOUN
ajis02-2579	427	2	,	,	PUNCT
ajis02-2579	427	3	dale	dale	PROPN
ajis02-2579	427	4	l	l	PROPN
ajis02-2579	427	5	,	,	PUNCT
ajis02-2579	427	6	william	william	PROPN
ajis02-2579	427	7	lewis	lewis	PROPN
ajis02-2579	427	8	,	,	PUNCT
ajis02-2579	427	9	and	and	CCONJ
ajis02-2579	427	10	ronald	ronald	PROPN
ajis02-2579	427	11	l	l	PROPN
ajis02-2579	427	12	thompson	thompson	PROPN
ajis02-2579	427	13	.	.	PUNCT
ajis02-2579	427	14	2011	2011	NUM
ajis02-2579	427	15	.	.	PUNCT
ajis02-2579	428	1	"	"	PUNCT
ajis02-2579	428	2	a	a	DET
ajis02-2579	428	3	dangerous	dangerous	ADJ
ajis02-2579	428	4	blind	blind	ADJ
ajis02-2579	428	5	spot	spot	NOUN
ajis02-2579	428	6	in	in	ADP
ajis02-2579	428	7	is	be	AUX
ajis02-2579	428	8	research	research	NOUN
ajis02-2579	428	9	:	:	PUNCT
ajis02-2579	428	10	false	false	ADJ
ajis02-2579	428	11	positives	positive	NOUN
ajis02-2579	428	12	due	due	ADP
ajis02-2579	428	13	to	to	ADP
ajis02-2579	428	14	multicollinearity	multicollinearity	NOUN
ajis02-2579	428	15	combined	combine	VERB
ajis02-2579	428	16	with	with	ADP
ajis02-2579	428	17	measurement	measurement	NOUN
ajis02-2579	428	18	error	error	NOUN
ajis02-2579	428	19	.	.	PUNCT
ajis02-2579	428	20	"	"	PUNCT
ajis02-2579	429	1	amcis	amcis	ADV
ajis02-2579	429	2	.	.	PUNCT
ajis02-2579	429	3	gosavi	gosavi	PROPN
ajis02-2579	429	4	,	,	PUNCT
ajis02-2579	429	5	a.	a.	NOUN
ajis02-2579	429	6	(	(	PUNCT
ajis02-2579	429	7	2018	2018	NUM
ajis02-2579	429	8	)	)	PUNCT
ajis02-2579	429	9	.	.	PUNCT
ajis02-2579	430	1	can	can	AUX
ajis02-2579	430	2	mobile	mobile	VERB
ajis02-2579	430	3	money	money	NOUN
ajis02-2579	430	4	help	help	VERB
ajis02-2579	430	5	firms	firm	NOUN
ajis02-2579	430	6	mitigate	mitigate	VERB
ajis02-2579	430	7	the	the	DET
ajis02-2579	430	8	problem	problem	NOUN
ajis02-2579	430	9	of	of	ADP
ajis02-2579	430	10	access	access	NOUN
ajis02-2579	430	11	to	to	ADP
ajis02-2579	430	12	finance	finance	NOUN
ajis02-2579	430	13	in	in	ADP
ajis02-2579	430	14	eastern	eastern	ADJ
ajis02-2579	430	15	sub	sub	ADJ
ajis02-2579	430	16	-	-	ADJ
ajis02-2579	430	17	saharan	saharan	ADJ
ajis02-2579	430	18	africa	africa	PROPN
ajis02-2579	430	19	?	?	PUNCT
ajis02-2579	431	1	journal	journal	PROPN
ajis02-2579	431	2	of	of	ADP
ajis02-2579	431	3	african	african	ADJ
ajis02-2579	431	4	business	business	NOUN
ajis02-2579	431	5	,	,	PUNCT
ajis02-2579	431	6	19(3	19(3	NUM
ajis02-2579	431	7	)	)	PUNCT
ajis02-2579	431	8	,	,	PUNCT
ajis02-2579	431	9	343	343	NUM
ajis02-2579	431	10	-	-	SYM
ajis02-2579	431	11	360	360	NUM
ajis02-2579	431	12	.	.	PUNCT
ajis02-2579	432	1	gsma	gsma	NOUN
ajis02-2579	432	2	.	.	PUNCT
ajis02-2579	433	1	2016	2016	NUM
ajis02-2579	433	2	.	.	PUNCT
ajis02-2579	434	1	"	"	PUNCT
ajis02-2579	434	2	the	the	DET
ajis02-2579	434	3	mobile	mobile	ADJ
ajis02-2579	434	4	economy	economy	NOUN
ajis02-2579	434	5	-	-	PUNCT
ajis02-2579	434	6	africa	africa	PROPN
ajis02-2579	434	7	2016	2016	NUM
ajis02-2579	434	8	.	.	PUNCT
ajis02-2579	434	9	"	"	PUNCT
ajis02-2579	435	1	london	london	PROPN
ajis02-2579	435	2	:	:	PUNCT
ajis02-2579	435	3	gsma	gsma	NOUN
ajis02-2579	435	4	,	,	PUNCT
ajis02-2579	435	5	g	g	PROPN
ajis02-2579	435	6	intelligence	intelligence	PROPN
ajis02-2579	435	7	london	london	PROPN
ajis02-2579	435	8	.	.	PUNCT
ajis02-2579	435	9	gsma	gsma	PROPN
ajis02-2579	435	10	.	.	PUNCT
ajis02-2579	435	11	2019	2019	NUM
ajis02-2579	435	12	.	.	PUNCT
ajis02-2579	436	1	"	"	PUNCT
ajis02-2579	436	2	mobile	mobile	ADJ
ajis02-2579	436	3	money	money	NOUN
ajis02-2579	436	4	metrics	metric	NOUN
ajis02-2579	436	5	,	,	PUNCT
ajis02-2579	436	6	.	.	PUNCT
ajis02-2579	436	7	"	"	PUNCT
ajis02-2579	437	1	gsma	gsma	NOUN
ajis02-2579	437	2	intelligence	intelligence	NOUN
ajis02-2579	437	3	,	,	PUNCT
ajis02-2579	437	4	london	london	PROPN
ajis02-2579	437	5	.	.	PUNCT
ajis02-2579	438	1	uk	uk	PROPN
ajis02-2579	438	2	.	.	PROPN
ajis02-2579	438	3	gyimah	gyimah	PROPN
ajis02-2579	438	4	-	-	PUNCT
ajis02-2579	438	5	brempong	brempong	NOUN
ajis02-2579	438	6	,	,	PUNCT
ajis02-2579	438	7	kwabena	kwabena	PROPN
ajis02-2579	438	8	,	,	PUNCT
ajis02-2579	438	9	and	and	CCONJ
ajis02-2579	438	10	john	john	PROPN
ajis02-2579	438	11	agyei	agyei	PROPN
ajis02-2579	438	12	karikari	karikari	PROPN
ajis02-2579	438	13	.	.	PUNCT
ajis02-2579	439	1	2007	2007	NUM
ajis02-2579	439	2	.	.	PUNCT
ajis02-2579	440	1	"	"	PUNCT
ajis02-2579	440	2	telephone	telephone	NOUN
ajis02-2579	440	3	demand	demand	NOUN
ajis02-2579	440	4	and	and	CCONJ
ajis02-2579	440	5	economic	economic	ADJ
ajis02-2579	440	6	growth	growth	NOUN
ajis02-2579	440	7	in	in	ADP
ajis02-2579	440	8	africa	africa	PROPN
ajis02-2579	440	9	.	.	PUNCT
ajis02-2579	440	10	"	"	PUNCT
ajis02-2579	441	1	oecd	oecd	PROPN
ajis02-2579	441	2	economic	economic	ADJ
ajis02-2579	441	3	studies	study	NOUN
ajis02-2579	441	4	,	,	PUNCT
ajis02-2579	441	5	38	38	NUM
ajis02-2579	441	6	(	(	PUNCT
ajis02-2579	441	7	1	1	NUM
ajis02-2579	441	8	)	)	PUNCT
ajis02-2579	441	9	.	.	PUNCT
ajis02-2579	442	1	hair	hair	NOUN
ajis02-2579	442	2	,	,	PUNCT
ajis02-2579	442	3	joseph	joseph	PROPN
ajis02-2579	442	4	f	f	PROPN
ajis02-2579	442	5	,	,	PUNCT
ajis02-2579	442	6	rolph	rolph	PROPN
ajis02-2579	442	7	e	e	PROPN
ajis02-2579	442	8	anderson	anderson	PROPN
ajis02-2579	442	9	,	,	PUNCT
ajis02-2579	442	10	ronald	ronald	PROPN
ajis02-2579	442	11	l	l	PROPN
ajis02-2579	442	12	tatham	tatham	PROPN
ajis02-2579	442	13	,	,	PUNCT
ajis02-2579	442	14	and	and	CCONJ
ajis02-2579	442	15	william	william	PROPN
ajis02-2579	442	16	c	c	PROPN
ajis02-2579	442	17	black	black	PROPN
ajis02-2579	442	18	.	.	PUNCT
ajis02-2579	442	19	1995	1995	NUM
ajis02-2579	442	20	.	.	PUNCT
ajis02-2579	443	1	"	"	PUNCT
ajis02-2579	443	2	multivariate	multivariate	VERB
ajis02-2579	443	3	data	data	NOUN
ajis02-2579	443	4	analyses	analysis	NOUN
ajis02-2579	443	5	with	with	ADP
ajis02-2579	443	6	readings	reading	NOUN
ajis02-2579	443	7	.	.	PUNCT
ajis02-2579	443	8	"	"	PUNCT
ajis02-2579	444	1	englewood	englewood	PROPN
ajis02-2579	444	2	cliffs	cliff	NOUN
ajis02-2579	444	3	,	,	PUNCT
ajis02-2579	444	4	new	new	PROPN
ajis02-2579	444	5	jersey	jersey	PROPN
ajis02-2579	444	6	.	.	PUNCT
ajis02-2579	445	1	he	he	PRON
ajis02-2579	445	2	,	,	PUNCT
ajis02-2579	445	3	y.	y.	PROPN
ajis02-2579	445	4	;	;	PUNCT
ajis02-2579	445	5	chen	chen	PROPN
ajis02-2579	445	6	,	,	PUNCT
ajis02-2579	445	7	q.	q.	PROPN
ajis02-2579	445	8	;	;	PUNCT
ajis02-2579	445	9	kitkuakul	kitkuakul	PROPN
ajis02-2579	445	10	,	,	PUNCT
ajis02-2579	445	11	s.	s.	PROPN
ajis02-2579	445	12	(	(	PUNCT
ajis02-2579	445	13	2018	2018	NUM
ajis02-2579	445	14	)	)	PUNCT
ajis02-2579	445	15	.	.	PUNCT
ajis02-2579	446	1	regulatory	regulatory	ADJ
ajis02-2579	446	2	focus	focus	NOUN
ajis02-2579	446	3	and	and	CCONJ
ajis02-2579	446	4	technology	technology	NOUN
ajis02-2579	446	5	acceptance	acceptance	NOUN
ajis02-2579	446	6	:	:	PUNCT
ajis02-2579	446	7	perceived	perceive	VERB
ajis02-2579	446	8	ease	ease	NOUN
ajis02-2579	446	9	of	of	ADP
ajis02-2579	446	10	use	use	NOUN
ajis02-2579	446	11	and	and	CCONJ
ajis02-2579	446	12	usefulness	usefulness	NOUN
ajis02-2579	446	13	as	as	ADP
ajis02-2579	446	14	efficacy	efficacy	NOUN
ajis02-2579	446	15	.	.	PUNCT
ajis02-2579	447	1	cogent	cogent	NOUN
ajis02-2579	447	2	business	business	NOUN
ajis02-2579	447	3	management	management	NOUN
ajis02-2579	447	4	,	,	PUNCT
ajis02-2579	447	5	5	5	NUM
ajis02-2579	447	6	,	,	PUNCT
ajis02-2579	447	7	1–22	1–22	NOUN
ajis02-2579	447	8	.	.	PUNCT
ajis02-2579	448	1	henseler	henseler	PROPN
ajis02-2579	448	2	,	,	PUNCT
ajis02-2579	448	3	jörg	jörg	PROPN
ajis02-2579	448	4	,	,	PUNCT
ajis02-2579	448	5	christian	christian	PROPN
ajis02-2579	448	6	m	m	PROPN
ajis02-2579	448	7	ringle	ringle	NOUN
ajis02-2579	448	8	,	,	PUNCT
ajis02-2579	448	9	and	and	CCONJ
ajis02-2579	448	10	marko	marko	PROPN
ajis02-2579	448	11	sarstedt	sarstedt	PROPN
ajis02-2579	448	12	.	.	PUNCT
ajis02-2579	449	1	2015	2015	NUM
ajis02-2579	449	2	.	.	PUNCT
ajis02-2579	450	1	"	"	PUNCT
ajis02-2579	450	2	a	a	DET
ajis02-2579	450	3	new	new	ADJ
ajis02-2579	450	4	criterion	criterion	NOUN
ajis02-2579	450	5	for	for	ADP
ajis02-2579	450	6	assessing	assess	VERB
ajis02-2579	450	7	discriminant	discriminant	ADJ
ajis02-2579	450	8	validity	validity	NOUN
ajis02-2579	450	9	in	in	ADP
ajis02-2579	450	10	variance	variance	NOUN
ajis02-2579	450	11	-	-	PUNCT
ajis02-2579	450	12	based	base	VERB
ajis02-2579	450	13	structural	structural	ADJ
ajis02-2579	450	14	equation	equation	NOUN
ajis02-2579	450	15	modelling	modelling	NOUN
ajis02-2579	450	16	.	.	PUNCT
ajis02-2579	450	17	"	"	PUNCT
ajis02-2579	451	1	journal	journal	NOUN
ajis02-2579	451	2	of	of	ADP
ajis02-2579	451	3	the	the	DET
ajis02-2579	451	4	academy	academy	NOUN
ajis02-2579	451	5	of	of	ADP
ajis02-2579	451	6	marketing	marketing	NOUN
ajis02-2579	451	7	science	science	NOUN
ajis02-2579	451	8	43	43	NUM
ajis02-2579	451	9	(	(	PUNCT
ajis02-2579	451	10	1):115	1):115	NUM
ajis02-2579	451	11	-	-	SYM
ajis02-2579	451	12	135	135	NUM
ajis02-2579	451	13	.	.	PUNCT
ajis02-2579	452	1	horton	horton	PROPN
ajis02-2579	452	2	,	,	PUNCT
ajis02-2579	452	3	nicholas	nicholas	PROPN
ajis02-2579	452	4	j	j	PROPN
ajis02-2579	452	5	,	,	PUNCT
ajis02-2579	452	6	and	and	CCONJ
ajis02-2579	452	7	stuart	stuart	PROPN
ajis02-2579	452	8	r	r	NOUN
ajis02-2579	452	9	lipsitz	lipsitz	NOUN
ajis02-2579	452	10	.	.	PUNCT
ajis02-2579	453	1	2001	2001	NUM
ajis02-2579	453	2	.	.	PUNCT
ajis02-2579	454	1	"	"	PUNCT
ajis02-2579	454	2	multiple	multiple	ADJ
ajis02-2579	454	3	imputations	imputation	NOUN
ajis02-2579	454	4	in	in	ADP
ajis02-2579	454	5	practice	practice	NOUN
ajis02-2579	454	6	:	:	PUNCT
ajis02-2579	454	7	comparison	comparison	NOUN
ajis02-2579	454	8	of	of	ADP
ajis02-2579	454	9	software	software	NOUN
ajis02-2579	454	10	packages	package	NOUN
ajis02-2579	454	11	for	for	ADP
ajis02-2579	454	12	regression	regression	NOUN
ajis02-2579	454	13	models	model	NOUN
ajis02-2579	454	14	with	with	ADP
ajis02-2579	454	15	missing	miss	VERB
ajis02-2579	454	16	variables	variable	NOUN
ajis02-2579	454	17	.	.	PUNCT
ajis02-2579	454	18	"	"	PUNCT
ajis02-2579	455	1	the	the	DET
ajis02-2579	455	2	american	american	PROPN
ajis02-2579	455	3	statistician	statistician	NOUN
ajis02-2579	455	4	55	55	NUM
ajis02-2579	455	5	(	(	PUNCT
ajis02-2579	455	6	3):244	3):244	NUM
ajis02-2579	455	7	-	-	PUNCT
ajis02-2579	455	8	254	254	NUM
ajis02-2579	455	9	.	.	PUNCT
ajis02-2579	456	1	hung	hung	PROPN
ajis02-2579	456	2	,	,	PUNCT
ajis02-2579	456	3	ming	ming	PROPN
ajis02-2579	456	4	-	-	PUNCT
ajis02-2579	456	5	chien	chien	PROPN
ajis02-2579	456	6	,	,	PUNCT
ajis02-2579	456	7	shih	shih	NOUN
ajis02-2579	456	8	-	-	PUNCT
ajis02-2579	456	9	ting	ting	PROPN
ajis02-2579	456	10	yang	yang	PROPN
ajis02-2579	456	11	,	,	PUNCT
ajis02-2579	456	12	and	and	CCONJ
ajis02-2579	456	13	ting	ting	PROPN
ajis02-2579	456	14	-	-	PUNCT
ajis02-2579	456	15	chu	chu	PROPN
ajis02-2579	456	16	hsieh	hsieh	PROPN
ajis02-2579	456	17	.	.	PUNCT
ajis02-2579	457	1	2012	2012	NUM
ajis02-2579	457	2	.	.	PUNCT
ajis02-2579	458	1	"	"	PUNCT
ajis02-2579	458	2	an	an	DET
ajis02-2579	458	3	examination	examination	NOUN
ajis02-2579	458	4	of	of	ADP
ajis02-2579	458	5	the	the	DET
ajis02-2579	458	6	determinants	determinant	NOUN
ajis02-2579	458	7	of	of	ADP
ajis02-2579	458	8	mobile	mobile	ADJ
ajis02-2579	458	9	shopping	shopping	NOUN
ajis02-2579	458	10	continuance	continuance	NOUN
ajis02-2579	458	11	.	.	PUNCT
ajis02-2579	458	12	"	"	PUNCT
ajis02-2579	459	1	international	international	ADJ
ajis02-2579	459	2	journal	journal	NOUN
ajis02-2579	459	3	of	of	ADP
ajis02-2579	459	4	electronic	electronic	ADJ
ajis02-2579	459	5	business	business	NOUN
ajis02-2579	459	6	management	management	NOUN
ajis02-2579	459	7	10	10	NUM
ajis02-2579	459	8	(	(	PUNCT
ajis02-2579	459	9	1):29	1):29	NUM
ajis02-2579	459	10	.	.	PUNCT
ajis02-2579	459	11	j.e	j.e	PROPN
ajis02-2579	459	12	.	.	PROPN
ajis02-2579	459	13	bailey	bailey	PROPN
ajis02-2579	459	14	,	,	PUNCT
ajis02-2579	459	15	s.w	s.w	PROPN
ajis02-2579	459	16	.	.	PROPN
ajis02-2579	459	17	pearson	pearson	PROPN
ajis02-2579	459	18	.	.	PUNCT
ajis02-2579	460	1	(	(	PUNCT
ajis02-2579	460	2	1983	1983	NUM
ajis02-2579	460	3	)	)	PUNCT
ajis02-2579	460	4	.	.	PUNCT
ajis02-2579	461	1	development	development	NOUN
ajis02-2579	461	2	of	of	ADP
ajis02-2579	461	3	a	a	DET
ajis02-2579	461	4	tool	tool	NOUN
ajis02-2579	461	5	for	for	ADP
ajis02-2579	461	6	measuring	measure	VERB
ajis02-2579	461	7	and	and	CCONJ
ajis02-2579	461	8	analysing	analyse	VERB
ajis02-2579	461	9	computer	computer	NOUN
ajis02-2579	461	10	user	user	NOUN
ajis02-2579	461	11	satisfaction	satisfaction	NOUN
ajis02-2579	461	12	,	,	PUNCT
ajis02-2579	461	13	management	management	NOUN
ajis02-2579	461	14	sciences	science	NOUN
ajis02-2579	461	15	29	29	NUM
ajis02-2579	461	16	(	(	PUNCT
ajis02-2579	461	17	5	5	NUM
ajis02-2579	461	18	)	)	PUNCT
ajis02-2579	461	19	,	,	PUNCT
ajis02-2579	461	20	pp	pp	ADP
ajis02-2579	461	21	.	.	PUNCT
ajis02-2579	462	1	530–545	530–545	NUM
ajis02-2579	462	2	.	.	PUNCT
ajis02-2579	463	1	australasian	australasian	ADJ
ajis02-2579	463	2	journal	journal	NOUN
ajis02-2579	463	3	of	of	ADP
ajis02-2579	463	4	information	information	NOUN
ajis02-2579	463	5	systems	system	NOUN
ajis02-2579	463	6	alhassan	alhassan	PROPN
ajis02-2579	463	7	,	,	PUNCT
ajis02-2579	463	8	li	li	PROPN
ajis02-2579	463	9	,	,	PUNCT
ajis02-2579	463	10	reddy	reddy	PROPN
ajis02-2579	463	11	&	&	CCONJ
ajis02-2579	463	12	duppati	duppati	PROPN
ajis02-2579	463	13	2020	2020	NUM
ajis02-2579	463	14	,	,	PUNCT
ajis02-2579	463	15	vol	vol	NOUN
ajis02-2579	463	16	24	24	NUM
ajis02-2579	463	17	,	,	PUNCT
ajis02-2579	463	18	research	research	NOUN
ajis02-2579	463	19	article	article	NOUN
ajis02-2579	463	20	consumer	consumer	NOUN
ajis02-2579	463	21	acceptance	acceptance	NOUN
ajis02-2579	463	22	and	and	CCONJ
ajis02-2579	463	23	continuance	continuance	NOUN
ajis02-2579	463	24	of	of	ADP
ajis02-2579	463	25	mobile	mobile	ADJ
ajis02-2579	463	26	money	money	NOUN
ajis02-2579	463	27	23	23	NUM
ajis02-2579	463	28	jack	jack	PROPN
ajis02-2579	463	29	,	,	PUNCT
ajis02-2579	463	30	william	william	PROPN
ajis02-2579	463	31	,	,	PUNCT
ajis02-2579	463	32	and	and	CCONJ
ajis02-2579	463	33	tavneet	tavneet	PROPN
ajis02-2579	463	34	suri	suri	PROPN
ajis02-2579	463	35	.	.	PUNCT
ajis02-2579	464	1	2011	2011	NUM
ajis02-2579	464	2	.	.	PUNCT
ajis02-2579	465	1	mobile	mobile	ADJ
ajis02-2579	465	2	money	money	NOUN
ajis02-2579	465	3	:	:	PUNCT
ajis02-2579	465	4	the	the	DET
ajis02-2579	465	5	economics	economic	NOUN
ajis02-2579	465	6	of	of	ADP
ajis02-2579	465	7	m	m	PROPN
ajis02-2579	465	8	-	-	PROPN
ajis02-2579	465	9	pesa	pesa	NOUN
ajis02-2579	465	10	.	.	PUNCT
ajis02-2579	466	1	national	national	PROPN
ajis02-2579	466	2	bureau	bureau	PROPN
ajis02-2579	466	3	of	of	ADP
ajis02-2579	466	4	economic	economic	ADJ
ajis02-2579	466	5	research	research	NOUN
ajis02-2579	466	6	.	.	PUNCT
ajis02-2579	467	1	nber.org	nber.org	X
ajis02-2579	467	2	.	.	PROPN
ajis02-2579	467	3	jack	jack	PROPN
ajis02-2579	467	4	,	,	PUNCT
ajis02-2579	467	5	william	william	PROPN
ajis02-2579	467	6	,	,	PUNCT
ajis02-2579	467	7	and	and	CCONJ
ajis02-2579	467	8	tavneet	tavneet	PROPN
ajis02-2579	467	9	suri	suri	PROPN
ajis02-2579	467	10	.	.	PROPN
ajis02-2579	467	11	2014	2014	NUM
ajis02-2579	467	12	.	.	PUNCT
ajis02-2579	468	1	"	"	PUNCT
ajis02-2579	468	2	risk	risk	NOUN
ajis02-2579	468	3	-	-	PUNCT
ajis02-2579	468	4	sharing	sharing	NOUN
ajis02-2579	468	5	and	and	CCONJ
ajis02-2579	468	6	transactions	transaction	NOUN
ajis02-2579	468	7	costs	cost	NOUN
ajis02-2579	468	8	:	:	PUNCT
ajis02-2579	468	9	evidence	evidence	NOUN
ajis02-2579	468	10	from	from	ADP
ajis02-2579	468	11	kenya	kenya	PROPN
ajis02-2579	468	12	's	's	PART
ajis02-2579	468	13	mobile	mobile	ADJ
ajis02-2579	468	14	money	money	NOUN
ajis02-2579	468	15	revolution	revolution	NOUN
ajis02-2579	468	16	.	.	PUNCT
ajis02-2579	468	17	"	"	PUNCT
ajis02-2579	469	1	american	american	PROPN
ajis02-2579	469	2	economic	economic	PROPN
ajis02-2579	469	3	review	review	NOUN
ajis02-2579	469	4	104	104	NUM
ajis02-2579	469	5	(	(	PUNCT
ajis02-2579	469	6	1):183	1):183	NUM
ajis02-2579	469	7	-	-	SYM
ajis02-2579	469	8	223	223	NUM
ajis02-2579	469	9	.	.	PUNCT
ajis02-2579	470	1	jacobson	jacobson	PROPN
ajis02-2579	470	2	,	,	PUNCT
ajis02-2579	470	3	arne	arne	VERB
ajis02-2579	470	4	,	,	PUNCT
ajis02-2579	470	5	2007	2007	NUM
ajis02-2579	470	6	.	.	PUNCT
ajis02-2579	471	1	"	"	PUNCT
ajis02-2579	471	2	connective	connective	ADJ
ajis02-2579	471	3	power	power	NOUN
ajis02-2579	471	4	:	:	PUNCT
ajis02-2579	471	5	solar	solar	ADJ
ajis02-2579	471	6	electrification	electrification	NOUN
ajis02-2579	471	7	and	and	CCONJ
ajis02-2579	471	8	social	social	ADJ
ajis02-2579	471	9	change	change	NOUN
ajis02-2579	471	10	in	in	ADP
ajis02-2579	471	11	kenya	kenya	PROPN
ajis02-2579	471	12	.	.	PUNCT
ajis02-2579	471	13	"	"	PUNCT
ajis02-2579	472	1	world	world	NOUN
ajis02-2579	472	2	development	development	NOUN
ajis02-2579	472	3	,	,	PUNCT
ajis02-2579	472	4	35	35	NUM
ajis02-2579	472	5	(	(	PUNCT
ajis02-2579	472	6	1):144	1):144	NUM
ajis02-2579	472	7	-	-	SYM
ajis02-2579	472	8	162	162	NUM
ajis02-2579	472	9	.	.	PUNCT
ajis02-2579	473	1	kakihara	kakihara	PROPN
ajis02-2579	473	2	,	,	PUNCT
ajis02-2579	473	3	masao	masao	PROPN
ajis02-2579	473	4	,	,	PUNCT
ajis02-2579	473	5	and	and	CCONJ
ajis02-2579	473	6	carsten	carsten	PROPN
ajis02-2579	473	7	sorensen	sorensen	PROPN
ajis02-2579	473	8	.	.	PROPN
ajis02-2579	473	9	2002	2002	NUM
ajis02-2579	473	10	.	.	PUNCT
ajis02-2579	474	1	"	"	PUNCT
ajis02-2579	474	2	mobility	mobility	NOUN
ajis02-2579	474	3	:	:	PUNCT
ajis02-2579	474	4	an	an	DET
ajis02-2579	474	5	extended	extended	ADJ
ajis02-2579	474	6	perspective	perspective	NOUN
ajis02-2579	474	7	.	.	PUNCT
ajis02-2579	475	1	"	"	PUNCT
ajis02-2579	475	2	,	,	PUNCT
ajis02-2579	475	3	proceedings	proceeding	NOUN
ajis02-2579	475	4	of	of	ADP
ajis02-2579	475	5	the	the	DET
ajis02-2579	475	6	35th	35th	ADJ
ajis02-2579	475	7	annual	annual	ADJ
ajis02-2579	475	8	hawaii	hawaii	PROPN
ajis02-2579	475	9	international	international	PROPN
ajis02-2579	475	10	conference	conference	NOUN
ajis02-2579	475	11	on	on	ADP
ajis02-2579	475	12	system	system	NOUN
ajis02-2579	475	13	sciences	science	NOUN
ajis02-2579	475	14	.	.	PUNCT
ajis02-2579	476	1	karlan	karlan	PROPN
ajis02-2579	476	2	,	,	PUNCT
ajis02-2579	476	3	dean	dean	PROPN
ajis02-2579	476	4	,	,	PUNCT
ajis02-2579	476	5	aishwarya	aishwarya	PROPN
ajis02-2579	476	6	lakshmi	lakshmi	PROPN
ajis02-2579	476	7	ratan	ratan	PROPN
ajis02-2579	476	8	,	,	PUNCT
ajis02-2579	476	9	and	and	CCONJ
ajis02-2579	476	10	jonathan	jonathan	PROPN
ajis02-2579	476	11	zinman	zinman	PROPN
ajis02-2579	476	12	.	.	PUNCT
ajis02-2579	477	1	2014	2014	NUM
ajis02-2579	477	2	.	.	PUNCT
ajis02-2579	478	1	"	"	PUNCT
ajis02-2579	478	2	savings	saving	NOUN
ajis02-2579	478	3	by	by	ADV
ajis02-2579	478	4	and	and	CCONJ
ajis02-2579	478	5	for	for	ADP
ajis02-2579	478	6	the	the	DET
ajis02-2579	478	7	poor	poor	ADJ
ajis02-2579	478	8	:	:	PUNCT
ajis02-2579	478	9	a	a	DET
ajis02-2579	478	10	research	research	NOUN
ajis02-2579	478	11	review	review	NOUN
ajis02-2579	478	12	and	and	CCONJ
ajis02-2579	478	13	agenda	agenda	NOUN
ajis02-2579	478	14	.	.	PUNCT
ajis02-2579	478	15	"	"	PUNCT
ajis02-2579	479	1	review	review	NOUN
ajis02-2579	479	2	of	of	ADP
ajis02-2579	479	3	income	income	NOUN
ajis02-2579	479	4	and	and	CCONJ
ajis02-2579	479	5	wealth	wealth	NOUN
ajis02-2579	479	6	60	60	NUM
ajis02-2579	479	7	(	(	PUNCT
ajis02-2579	479	8	1):36	1):36	NUM
ajis02-2579	479	9	-	-	SYM
ajis02-2579	479	10	78	78	NUM
ajis02-2579	479	11	.	.	PUNCT
ajis02-2579	480	1	kleinrock	kleinrock	PROPN
ajis02-2579	480	2	,	,	PUNCT
ajis02-2579	480	3	leonard	leonard	PROPN
ajis02-2579	480	4	.	.	PUNCT
ajis02-2579	480	5	1996	1996	NUM
ajis02-2579	480	6	.	.	PUNCT
ajis02-2579	481	1	"	"	PUNCT
ajis02-2579	481	2	nomadicity	nomadicity	NOUN
ajis02-2579	481	3	:	:	PUNCT
ajis02-2579	481	4	anytime	anytime	ADV
ajis02-2579	481	5	,	,	PUNCT
ajis02-2579	481	6	anywhere	anywhere	ADV
ajis02-2579	481	7	in	in	ADP
ajis02-2579	481	8	a	a	DET
ajis02-2579	481	9	disconnected	disconnected	ADJ
ajis02-2579	481	10	world	world	NOUN
ajis02-2579	481	11	.	.	PUNCT
ajis02-2579	481	12	"	"	PUNCT
ajis02-2579	482	1	mobile	mobile	ADJ
ajis02-2579	482	2	networks	network	NOUN
ajis02-2579	482	3	and	and	CCONJ
ajis02-2579	482	4	applications	application	NOUN
ajis02-2579	482	5	,	,	PUNCT
ajis02-2579	482	6	1	1	NUM
ajis02-2579	482	7	(	(	PUNCT
ajis02-2579	482	8	4):351	4):351	NOUN
ajis02-2579	482	9	-	-	PUNCT
ajis02-2579	482	10	357	357	NUM
ajis02-2579	482	11	.	.	PUNCT
ajis02-2579	483	1	kwon	kwon	PROPN
ajis02-2579	483	2	,	,	PUNCT
ajis02-2579	483	3	hyosun	hyosun	NOUN
ajis02-2579	483	4	stella	stella	PROPN
ajis02-2579	483	5	,	,	PUNCT
ajis02-2579	483	6	and	and	CCONJ
ajis02-2579	483	7	laku	laku	PROPN
ajis02-2579	483	8	chidambaram	chidambaram	PROPN
ajis02-2579	483	9	.	.	PUNCT
ajis02-2579	483	10	2000	2000	NUM
ajis02-2579	483	11	.	.	PUNCT
ajis02-2579	484	1	"	"	PUNCT
ajis02-2579	484	2	a	a	DET
ajis02-2579	484	3	test	test	NOUN
ajis02-2579	484	4	of	of	ADP
ajis02-2579	484	5	the	the	DET
ajis02-2579	484	6	technology	technology	NOUN
ajis02-2579	484	7	acceptance	acceptance	NOUN
ajis02-2579	484	8	model	model	NOUN
ajis02-2579	484	9	:	:	PUNCT
ajis02-2579	484	10	the	the	DET
ajis02-2579	484	11	case	case	NOUN
ajis02-2579	484	12	of	of	ADP
ajis02-2579	484	13	cellular	cellular	ADJ
ajis02-2579	484	14	telephone	telephone	NOUN
ajis02-2579	484	15	adoption	adoption	NOUN
ajis02-2579	484	16	.	.	PUNCT
ajis02-2579	484	17	"	"	PUNCT
ajis02-2579	485	1	proceedings	proceeding	NOUN
ajis02-2579	485	2	of	of	ADP
ajis02-2579	485	3	the	the	DET
ajis02-2579	485	4	33rd	33rd	ADJ
ajis02-2579	485	5	annual	annual	ADJ
ajis02-2579	485	6	hawaii	hawaii	PROPN
ajis02-2579	485	7	international	international	PROPN
ajis02-2579	485	8	conference	conference	NOUN
ajis02-2579	485	9	on	on	ADP
ajis02-2579	485	10	system	system	NOUN
ajis02-2579	485	11	sciences	sciences	PROPN
ajis02-2579	485	12	.	.	PUNCT
ajis02-2579	486	1	li	li	PROPN
ajis02-2579	486	2	,	,	PUNCT
ajis02-2579	486	3	spencer	spencer	PROPN
ajis02-2579	486	4	d.	d.	PROPN
ajis02-2579	486	5	2011	2011	NUM
ajis02-2579	486	6	.	.	PUNCT
ajis02-2579	487	1	"	"	PUNCT
ajis02-2579	487	2	testing	test	VERB
ajis02-2579	487	3	mediation	mediation	NOUN
ajis02-2579	487	4	using	use	VERB
ajis02-2579	487	5	multiple	multiple	ADJ
ajis02-2579	487	6	regression	regression	NOUN
ajis02-2579	487	7	and	and	CCONJ
ajis02-2579	487	8	structural	structural	ADJ
ajis02-2579	487	9	equation	equation	NOUN
ajis02-2579	487	10	modelling	model	VERB
ajis02-2579	487	11	analyses	analysis	NOUN
ajis02-2579	487	12	in	in	ADP
ajis02-2579	487	13	secondary	secondary	ADJ
ajis02-2579	487	14	data	datum	NOUN
ajis02-2579	487	15	.	.	PUNCT
ajis02-2579	487	16	"	"	PUNCT
ajis02-2579	488	1	evaluation	evaluation	NOUN
ajis02-2579	488	2	review	review	NOUN
ajis02-2579	488	3	35	35	NUM
ajis02-2579	488	4	(	(	PUNCT
ajis02-2579	488	5	3):240	3):240	NUM
ajis02-2579	488	6	-	-	PUNCT
ajis02-2579	488	7	268	268	NUM
ajis02-2579	488	8	.	.	PUNCT
ajis02-2579	489	1	liang	liang	PROPN
ajis02-2579	489	2	,	,	PUNCT
ajis02-2579	489	3	huigang	huigang	PROPN
ajis02-2579	489	4	,	,	PUNCT
ajis02-2579	489	5	nilesh	nilesh	PROPN
ajis02-2579	489	6	saraf	saraf	PROPN
ajis02-2579	489	7	,	,	PUNCT
ajis02-2579	489	8	qing	qing	NOUN
ajis02-2579	489	9	hu	hu	PROPN
ajis02-2579	489	10	,	,	PUNCT
ajis02-2579	489	11	and	and	CCONJ
ajis02-2579	489	12	yajiong	yajiong	PROPN
ajis02-2579	489	13	xue	xue	PROPN
ajis02-2579	489	14	.	.	PUNCT
ajis02-2579	489	15	2007	2007	NUM
ajis02-2579	489	16	.	.	PUNCT
ajis02-2579	490	1	"	"	PUNCT
ajis02-2579	490	2	assimilation	assimilation	NOUN
ajis02-2579	490	3	of	of	ADP
ajis02-2579	490	4	enterprise	enterprise	NOUN
ajis02-2579	490	5	systems	system	NOUN
ajis02-2579	490	6	:	:	PUNCT
ajis02-2579	490	7	the	the	DET
ajis02-2579	490	8	effect	effect	NOUN
ajis02-2579	490	9	of	of	ADP
ajis02-2579	490	10	institutional	institutional	ADJ
ajis02-2579	490	11	pressures	pressure	NOUN
ajis02-2579	490	12	and	and	CCONJ
ajis02-2579	490	13	the	the	DET
ajis02-2579	490	14	mediating	mediate	VERB
ajis02-2579	490	15	role	role	NOUN
ajis02-2579	490	16	of	of	ADP
ajis02-2579	490	17	top	top	ADJ
ajis02-2579	490	18	management	management	NOUN
ajis02-2579	490	19	.	.	PUNCT
ajis02-2579	490	20	"	"	PUNCT
ajis02-2579	491	1	mis	mis	PROPN
ajis02-2579	491	2	quarterly:59	quarterly:59	PROPN
ajis02-2579	491	3	-	-	PUNCT
ajis02-2579	491	4	87	87	NUM
ajis02-2579	491	5	.	.	PUNCT
ajis02-2579	492	1	lim	lim	PROPN
ajis02-2579	492	2	,	,	PUNCT
ajis02-2579	492	3	w.	w.	PROPN
ajis02-2579	492	4	m.	m.	PROPN
ajis02-2579	492	5	(	(	PUNCT
ajis02-2579	492	6	2018	2018	NUM
ajis02-2579	492	7	)	)	PUNCT
ajis02-2579	492	8	.	.	PUNCT
ajis02-2579	493	1	dialectic	dialectic	ADJ
ajis02-2579	493	2	antidotes	antidote	NOUN
ajis02-2579	493	3	to	to	ADP
ajis02-2579	493	4	critics	critic	NOUN
ajis02-2579	493	5	of	of	ADP
ajis02-2579	493	6	the	the	DET
ajis02-2579	493	7	technology	technology	NOUN
ajis02-2579	493	8	acceptance	acceptance	NOUN
ajis02-2579	493	9	model	model	NOUN
ajis02-2579	493	10	.	.	PUNCT
ajis02-2579	494	1	australasian	australasian	ADJ
ajis02-2579	494	2	journal	journal	NOUN
ajis02-2579	494	3	of	of	ADP
ajis02-2579	494	4	information	information	NOUN
ajis02-2579	494	5	systems	system	NOUN
ajis02-2579	494	6	,	,	PUNCT
ajis02-2579	494	7	vol	vol	NOUN
ajis02-2579	494	8	22	22	NUM
ajis02-2579	494	9	,	,	PUNCT
ajis02-2579	494	10	research	research	NOUN
ajis02-2579	494	11	note	note	NOUN
ajis02-2579	494	12	lim	lim	PROPN
ajis02-2579	494	13	,	,	PUNCT
ajis02-2579	494	14	w	w	PROPN
ajis02-2579	494	15	,	,	PUNCT
ajis02-2579	494	16	a	a	PRON
ajis02-2579	494	17	,	,	PUNCT
ajis02-2579	494	18	lim	lim	PROPN
ajis02-2579	494	19	and	and	CCONJ
ajis02-2579	494	20	c	c	PROPN
ajis02-2579	494	21	,	,	PUNCT
ajis02-2579	494	22	phang	phang	PROPN
ajis02-2579	494	23	.	.	PROPN
ajis02-2579	494	24	2019	2019	NUM
ajis02-2579	494	25	.	.	PUNCT
ajis02-2579	495	1	toward	toward	ADP
ajis02-2579	495	2	a	a	DET
ajis02-2579	495	3	conceptual	conceptual	ADJ
ajis02-2579	495	4	framework	framework	NOUN
ajis02-2579	495	5	for	for	ADP
ajis02-2579	495	6	social	social	ADJ
ajis02-2579	495	7	media	medium	NOUN
ajis02-2579	495	8	adoption	adoption	NOUN
ajis02-2579	495	9	by	by	ADP
ajis02-2579	495	10	non	non	ADJ
ajis02-2579	495	11	-	-	ADJ
ajis02-2579	495	12	urban	urban	ADJ
ajis02-2579	495	13	communities	community	NOUN
ajis02-2579	495	14	for	for	ADP
ajis02-2579	495	15	non	non	ADJ
ajis02-2579	495	16	-	-	ADJ
ajis02-2579	495	17	profit	profit	ADJ
ajis02-2579	495	18	activities	activity	NOUN
ajis02-2579	495	19	:	:	PUNCT
ajis02-2579	495	20	insights	insight	NOUN
ajis02-2579	495	21	from	from	ADP
ajis02-2579	495	22	an	an	DET
ajis02-2579	495	23	integration	integration	NOUN
ajis02-2579	495	24	of	of	ADP
ajis02-2579	495	25	grand	grand	ADJ
ajis02-2579	495	26	theories	theory	NOUN
ajis02-2579	495	27	of	of	ADP
ajis02-2579	495	28	technology	technology	NOUN
ajis02-2579	495	29	acceptance	acceptance	NOUN
ajis02-2579	495	30	.	.	PUNCT
ajis02-2579	496	1	australasian	australasian	ADJ
ajis02-2579	496	2	journal	journal	NOUN
ajis02-2579	496	3	of	of	ADP
ajis02-2579	496	4	information	information	NOUN
ajis02-2579	496	5	systems	system	NOUN
ajis02-2579	496	6	,	,	PUNCT
ajis02-2579	496	7	vol	vol	NOUN
ajis02-2579	496	8	23	23	NUM
ajis02-2579	497	1	liu	liu	PROPN
ajis02-2579	497	2	,	,	PUNCT
ajis02-2579	497	3	jun	jun	PROPN
ajis02-2579	497	4	,	,	PUNCT
ajis02-2579	497	5	robert	robert	PROPN
ajis02-2579	497	6	j	j	PROPN
ajis02-2579	497	7	kauffman	kauffman	PROPN
ajis02-2579	497	8	,	,	PUNCT
ajis02-2579	497	9	and	and	CCONJ
ajis02-2579	497	10	dan	dan	PROPN
ajis02-2579	497	11	ma	ma	PROPN
ajis02-2579	497	12	.	.	PROPN
ajis02-2579	497	13	2015	2015	NUM
ajis02-2579	497	14	.	.	PUNCT
ajis02-2579	498	1	"	"	PUNCT
ajis02-2579	498	2	competition	competition	NOUN
ajis02-2579	498	3	,	,	PUNCT
ajis02-2579	498	4	cooperation	cooperation	NOUN
ajis02-2579	498	5	,	,	PUNCT
ajis02-2579	498	6	and	and	CCONJ
ajis02-2579	498	7	regulation	regulation	NOUN
ajis02-2579	498	8	:	:	PUNCT
ajis02-2579	498	9	understanding	understand	VERB
ajis02-2579	498	10	the	the	DET
ajis02-2579	498	11	evolution	evolution	NOUN
ajis02-2579	498	12	of	of	ADP
ajis02-2579	498	13	the	the	DET
ajis02-2579	498	14	mobile	mobile	ADJ
ajis02-2579	498	15	payments	payment	NOUN
ajis02-2579	498	16	technology	technology	NOUN
ajis02-2579	498	17	ecosystem	ecosystem	NOUN
ajis02-2579	498	18	.	.	PUNCT
ajis02-2579	498	19	"	"	PUNCT
ajis02-2579	498	20	electronic	electronic	ADJ
ajis02-2579	498	21	commerce	commerce	NOUN
ajis02-2579	498	22	research	research	NOUN
ajis02-2579	498	23	and	and	CCONJ
ajis02-2579	498	24	applications	application	NOUN
ajis02-2579	498	25	14	14	NUM
ajis02-2579	498	26	(	(	PUNCT
ajis02-2579	498	27	5):372	5):372	PROPN
ajis02-2579	498	28	-	-	PUNCT
ajis02-2579	498	29	391	391	NUM
ajis02-2579	498	30	.	.	PUNCT
ajis02-2579	499	1	lu	lu	PROPN
ajis02-2579	499	2	,	,	PUNCT
ajis02-2579	499	3	june	june	PROPN
ajis02-2579	499	4	,	,	PUNCT
ajis02-2579	499	5	chang	chang	PROPN
ajis02-2579	499	6	lu	lu	PROPN
ajis02-2579	499	7	,	,	PUNCT
ajis02-2579	499	8	chun	chun	PROPN
ajis02-2579	499	9	-	-	PUNCT
ajis02-2579	499	10	sheng	sheng	PROPN
ajis02-2579	499	11	yu	yu	PROPN
ajis02-2579	499	12	,	,	PUNCT
ajis02-2579	499	13	and	and	CCONJ
ajis02-2579	499	14	james	james	PROPN
ajis02-2579	499	15	e	e	PROPN
ajis02-2579	499	16	yao	yao	PROPN
ajis02-2579	499	17	.	.	PUNCT
ajis02-2579	499	18	2003	2003	NUM
ajis02-2579	499	19	.	.	PUNCT
ajis02-2579	500	1	"	"	PUNCT
ajis02-2579	500	2	exploring	explore	VERB
ajis02-2579	500	3	factors	factor	NOUN
ajis02-2579	500	4	associated	associate	VERB
ajis02-2579	500	5	with	with	ADP
ajis02-2579	500	6	wireless	wireless	ADJ
ajis02-2579	500	7	internet	internet	NOUN
ajis02-2579	500	8	via	via	ADP
ajis02-2579	500	9	mobile	mobile	ADJ
ajis02-2579	500	10	technology	technology	NOUN
ajis02-2579	500	11	acceptance	acceptance	NOUN
ajis02-2579	500	12	in	in	ADP
ajis02-2579	500	13	mainland	mainland	NOUN
ajis02-2579	500	14	china	china	PROPN
ajis02-2579	500	15	.	.	PUNCT
ajis02-2579	500	16	"	"	PUNCT
ajis02-2579	501	1	communications	communication	NOUN
ajis02-2579	501	2	of	of	ADP
ajis02-2579	501	3	the	the	DET
ajis02-2579	501	4	iima	iima	NOUN
ajis02-2579	501	5	,	,	PUNCT
ajis02-2579	501	6	3	3	NUM
ajis02-2579	501	7	(	(	PUNCT
ajis02-2579	501	8	1):9	1):9	PROPN
ajis02-2579	501	9	.	.	PUNCT
ajis02-2579	502	1	luarn	luarn	PROPN
ajis02-2579	502	2	,	,	PUNCT
ajis02-2579	502	3	pin	pin	NOUN
ajis02-2579	502	4	,	,	PUNCT
ajis02-2579	502	5	and	and	CCONJ
ajis02-2579	502	6	hsin	hsin	PROPN
ajis02-2579	502	7	-	-	PUNCT
ajis02-2579	502	8	hui	hui	PROPN
ajis02-2579	502	9	lin	lin	PROPN
ajis02-2579	502	10	.	.	PUNCT
ajis02-2579	502	11	2005	2005	NUM
ajis02-2579	502	12	.	.	PUNCT
ajis02-2579	503	1	"	"	PUNCT
ajis02-2579	503	2	toward	toward	ADP
ajis02-2579	503	3	an	an	DET
ajis02-2579	503	4	understanding	understanding	NOUN
ajis02-2579	503	5	of	of	ADP
ajis02-2579	503	6	the	the	DET
ajis02-2579	503	7	behavioural	behavioural	ADJ
ajis02-2579	503	8	intention	intention	NOUN
ajis02-2579	503	9	to	to	PART
ajis02-2579	503	10	use	use	VERB
ajis02-2579	503	11	mobile	mobile	ADJ
ajis02-2579	503	12	banking	banking	NOUN
ajis02-2579	503	13	.	.	PUNCT
ajis02-2579	503	14	"	"	PUNCT
ajis02-2579	504	1	computers	computer	NOUN
ajis02-2579	504	2	in	in	ADP
ajis02-2579	504	3	human	human	ADJ
ajis02-2579	504	4	behaviour	behaviour	NOUN
ajis02-2579	504	5	21	21	NUM
ajis02-2579	504	6	(	(	PUNCT
ajis02-2579	504	7	6):873	6):873	PROPN
ajis02-2579	504	8	-	-	PUNCT
ajis02-2579	504	9	891	891	NUM
ajis02-2579	504	10	.	.	PUNCT
ajis02-2579	505	1	mao	mao	PROPN
ajis02-2579	505	2	,	,	PUNCT
ajis02-2579	505	3	en	en	X
ajis02-2579	505	4	,	,	PUNCT
ajis02-2579	505	5	mark	mark	NOUN
ajis02-2579	505	6	srite	srite	NOUN
ajis02-2579	505	7	,	,	PUNCT
ajis02-2579	505	8	jason	jason	PROPN
ajis02-2579	505	9	bennett	bennett	PROPN
ajis02-2579	505	10	thatcher	thatcher	PROPN
ajis02-2579	505	11	,	,	PUNCT
ajis02-2579	505	12	and	and	CCONJ
ajis02-2579	505	13	onur	onur	PROPN
ajis02-2579	505	14	yaprak	yaprak	PROPN
ajis02-2579	505	15	.	.	PUNCT
ajis02-2579	506	1	2005	2005	NUM
ajis02-2579	506	2	.	.	PUNCT
ajis02-2579	507	1	"	"	PUNCT
ajis02-2579	507	2	a	a	DET
ajis02-2579	507	3	research	research	NOUN
ajis02-2579	507	4	model	model	NOUN
ajis02-2579	507	5	for	for	ADP
ajis02-2579	507	6	mobile	mobile	ADJ
ajis02-2579	507	7	phone	phone	NOUN
ajis02-2579	507	8	service	service	NOUN
ajis02-2579	507	9	behaviours	behaviour	NOUN
ajis02-2579	507	10	:	:	PUNCT
ajis02-2579	507	11	empirical	empirical	ADJ
ajis02-2579	507	12	validation	validation	NOUN
ajis02-2579	507	13	in	in	ADP
ajis02-2579	507	14	the	the	DET
ajis02-2579	507	15	us	us	PROPN
ajis02-2579	507	16	and	and	CCONJ
ajis02-2579	507	17	turkey	turkey	NOUN
ajis02-2579	507	18	.	.	PUNCT
ajis02-2579	507	19	"	"	PUNCT
ajis02-2579	508	1	journal	journal	NOUN
ajis02-2579	508	2	of	of	ADP
ajis02-2579	508	3	global	global	ADJ
ajis02-2579	508	4	information	information	NOUN
ajis02-2579	508	5	technology	technology	NOUN
ajis02-2579	508	6	management	management	NOUN
ajis02-2579	508	7	8	8	NUM
ajis02-2579	508	8	(	(	PUNCT
ajis02-2579	508	9	4):7	4):7	NOUN
ajis02-2579	508	10	-	-	PUNCT
ajis02-2579	508	11	28	28	NUM
ajis02-2579	508	12	.	.	PUNCT
ajis02-2579	509	1	mas	mas	PROPN
ajis02-2579	509	2	,	,	PUNCT
ajis02-2579	509	3	ignacio	ignacio	PROPN
ajis02-2579	509	4	,	,	PUNCT
ajis02-2579	509	5	and	and	CCONJ
ajis02-2579	509	6	kabir	kabir	PROPN
ajis02-2579	509	7	kumar	kumar	PROPN
ajis02-2579	509	8	.	.	PROPN
ajis02-2579	509	9	2008	2008	NUM
ajis02-2579	509	10	.	.	PUNCT
ajis02-2579	510	1	"	"	PUNCT
ajis02-2579	510	2	banking	banking	NOUN
ajis02-2579	510	3	on	on	ADP
ajis02-2579	510	4	mobiles	mobile	NOUN
ajis02-2579	510	5	:	:	PUNCT
ajis02-2579	510	6	why	why	SCONJ
ajis02-2579	510	7	,	,	PUNCT
ajis02-2579	510	8	how	how	SCONJ
ajis02-2579	510	9	,	,	PUNCT
ajis02-2579	510	10	for	for	ADP
ajis02-2579	510	11	whom	whom	PRON
ajis02-2579	510	12	?	?	PUNCT
ajis02-2579	510	13	"	"	PUNCT
ajis02-2579	510	14	papers.ssrn.com	papers.ssrn.com	PROPN
ajis02-2579	510	15	.	.	PUNCT
ajis02-2579	511	1	australasian	australasian	ADJ
ajis02-2579	511	2	journal	journal	NOUN
ajis02-2579	511	3	of	of	ADP
ajis02-2579	511	4	information	information	NOUN
ajis02-2579	511	5	systems	system	NOUN
ajis02-2579	511	6	alhassan	alhassan	PROPN
ajis02-2579	511	7	,	,	PUNCT
ajis02-2579	511	8	li	li	PROPN
ajis02-2579	511	9	,	,	PUNCT
ajis02-2579	511	10	reddy	reddy	PROPN
ajis02-2579	511	11	&	&	CCONJ
ajis02-2579	511	12	duppati	duppati	PROPN
ajis02-2579	511	13	2020	2020	NUM
ajis02-2579	511	14	,	,	PUNCT
ajis02-2579	511	15	vol	vol	NOUN
ajis02-2579	511	16	24	24	NUM
ajis02-2579	511	17	,	,	PUNCT
ajis02-2579	511	18	research	research	NOUN
ajis02-2579	511	19	article	article	NOUN
ajis02-2579	511	20	consumer	consumer	NOUN
ajis02-2579	511	21	acceptance	acceptance	NOUN
ajis02-2579	511	22	and	and	CCONJ
ajis02-2579	511	23	continuance	continuance	NOUN
ajis02-2579	511	24	of	of	ADP
ajis02-2579	511	25	mobile	mobile	ADJ
ajis02-2579	511	26	money	money	NOUN
ajis02-2579	511	27	24	24	NUM
ajis02-2579	511	28	mathieson	mathieson	PROPN
ajis02-2579	511	29	,	,	PUNCT
ajis02-2579	511	30	kieran	kieran	PROPN
ajis02-2579	511	31	,	,	PUNCT
ajis02-2579	511	32	eileen	eileen	PROPN
ajis02-2579	511	33	peacock	peacock	NOUN
ajis02-2579	511	34	,	,	PUNCT
ajis02-2579	511	35	and	and	CCONJ
ajis02-2579	511	36	wynne	wynne	PROPN
ajis02-2579	511	37	w	w	PROPN
ajis02-2579	511	38	chin	chin	PROPN
ajis02-2579	511	39	.	.	PUNCT
ajis02-2579	512	1	2001	2001	NUM
ajis02-2579	512	2	.	.	PUNCT
ajis02-2579	513	1	"	"	PUNCT
ajis02-2579	513	2	extending	extend	VERB
ajis02-2579	513	3	the	the	DET
ajis02-2579	513	4	technology	technology	NOUN
ajis02-2579	513	5	acceptance	acceptance	NOUN
ajis02-2579	513	6	model	model	NOUN
ajis02-2579	513	7	:	:	PUNCT
ajis02-2579	513	8	the	the	DET
ajis02-2579	513	9	influence	influence	NOUN
ajis02-2579	513	10	of	of	ADP
ajis02-2579	513	11	perceived	perceive	VERB
ajis02-2579	513	12	user	user	NOUN
ajis02-2579	513	13	resources	resource	NOUN
ajis02-2579	513	14	.	.	PUNCT
ajis02-2579	513	15	"	"	PUNCT
ajis02-2579	514	1	acm	acm	PROPN
ajis02-2579	514	2	sigmis	sigmis	PROPN
ajis02-2579	514	3	database	database	PROPN
ajis02-2579	514	4	:	:	PUNCT
ajis02-2579	514	5	the	the	DET
ajis02-2579	514	6	database	database	NOUN
ajis02-2579	514	7	for	for	ADP
ajis02-2579	514	8	advances	advance	NOUN
ajis02-2579	514	9	in	in	ADP
ajis02-2579	514	10	information	information	NOUN
ajis02-2579	514	11	systems	system	NOUN
ajis02-2579	514	12	32	32	NUM
ajis02-2579	514	13	(	(	PUNCT
ajis02-2579	514	14	3):86	3):86	PROPN
ajis02-2579	514	15	-	-	SYM
ajis02-2579	514	16	112	112	NUM
ajis02-2579	514	17	.	.	PUNCT
ajis02-2579	515	1	mcgrath	mcgrath	PROPN
ajis02-2579	515	2	,	,	PUNCT
ajis02-2579	515	3	fionán	fionán	PROPN
ajis02-2579	515	4	,	,	PUNCT
ajis02-2579	515	5	and	and	CCONJ
ajis02-2579	515	6	susie	susie	PROPN
ajis02-2579	515	7	lonie	lonie	PROPN
ajis02-2579	515	8	.	.	PUNCT
ajis02-2579	516	1	2013	2013	NUM
ajis02-2579	516	2	.	.	PUNCT
ajis02-2579	517	1	"	"	PUNCT
ajis02-2579	517	2	platforms	platform	NOUN
ajis02-2579	517	3	for	for	ADP
ajis02-2579	517	4	successful	successful	ADJ
ajis02-2579	517	5	mobile	mobile	ADJ
ajis02-2579	517	6	money	money	NOUN
ajis02-2579	517	7	services	service	NOUN
ajis02-2579	517	8	.	.	PUNCT
ajis02-2579	517	9	"	"	PUNCT
ajis02-2579	518	1	gsma	gsma	X
ajis02-2579	518	2	mobile	mobile	ADJ
ajis02-2579	518	3	money	money	NOUN
ajis02-2579	518	4	for	for	ADP
ajis02-2579	518	5	the	the	DET
ajis02-2579	518	6	unbanked	unbanked	NOUN
ajis02-2579	518	7	,	,	PUNCT
ajis02-2579	518	8	june	june	PROPN
ajis02-2579	518	9	27	27	NUM
ajis02-2579	518	10	.	.	PUNCT
ajis02-2579	519	1	ngugi	ngugi	PROPN
ajis02-2579	519	2	,	,	PUNCT
ajis02-2579	519	3	b.	b.	PROPN
ajis02-2579	519	4	,	,	PUNCT
ajis02-2579	519	5	pelowski	pelowski	PROPN
ajis02-2579	519	6	,	,	PUNCT
ajis02-2579	519	7	m.	m.	NOUN
ajis02-2579	519	8	,	,	PUNCT
ajis02-2579	519	9	&	&	CCONJ
ajis02-2579	519	10	ogembo	ogembo	PROPN
ajis02-2579	519	11	,	,	PUNCT
ajis02-2579	519	12	j.	j.	PROPN
ajis02-2579	519	13	g.	g.	PROPN
ajis02-2579	519	14	(	(	PUNCT
ajis02-2579	519	15	2010	2010	NUM
ajis02-2579	519	16	)	)	PUNCT
ajis02-2579	519	17	.	.	PUNCT
ajis02-2579	520	1	m‐pesa	m‐pesa	PROPN
ajis02-2579	520	2	:	:	PUNCT
ajis02-2579	520	3	a	a	DET
ajis02-2579	520	4	case	case	NOUN
ajis02-2579	520	5	study	study	NOUN
ajis02-2579	520	6	of	of	ADP
ajis02-2579	520	7	the	the	DET
ajis02-2579	520	8	critical	critical	ADJ
ajis02-2579	520	9	early	early	ADJ
ajis02-2579	520	10	adopters	adopter	NOUN
ajis02-2579	520	11	’	'	PUNCT
ajis02-2579	520	12	role	role	NOUN
ajis02-2579	520	13	in	in	ADP
ajis02-2579	520	14	the	the	DET
ajis02-2579	520	15	rapid	rapid	ADJ
ajis02-2579	520	16	adoption	adoption	NOUN
ajis02-2579	520	17	of	of	ADP
ajis02-2579	520	18	mobile	mobile	ADJ
ajis02-2579	520	19	money	money	NOUN
ajis02-2579	520	20	banking	banking	NOUN
ajis02-2579	520	21	in	in	ADP
ajis02-2579	520	22	kenya	kenya	PROPN
ajis02-2579	520	23	.	.	PUNCT
ajis02-2579	521	1	the	the	DET
ajis02-2579	521	2	electronic	electronic	ADJ
ajis02-2579	521	3	journal	journal	NOUN
ajis02-2579	521	4	of	of	ADP
ajis02-2579	521	5	information	information	NOUN
ajis02-2579	521	6	systems	system	NOUN
ajis02-2579	521	7	in	in	ADP
ajis02-2579	521	8	developing	develop	VERB
ajis02-2579	521	9	countries	country	NOUN
ajis02-2579	521	10	,	,	PUNCT
ajis02-2579	521	11	43(1	43(1	NOUN
ajis02-2579	521	12	)	)	PUNCT
ajis02-2579	521	13	,	,	PUNCT
ajis02-2579	521	14	1	1	NUM
ajis02-2579	521	15	-	-	SYM
ajis02-2579	521	16	16	16	NUM
ajis02-2579	521	17	.	.	PUNCT
ajis02-2579	522	1	nysveen	nysveen	VERB
ajis02-2579	522	2	,	,	PUNCT
ajis02-2579	522	3	herbjørn	herbjørn	NOUN
ajis02-2579	522	4	,	,	PUNCT
ajis02-2579	522	5	per	per	ADP
ajis02-2579	522	6	e	e	NOUN
ajis02-2579	522	7	pedersen	pedersen	NOUN
ajis02-2579	522	8	,	,	PUNCT
ajis02-2579	522	9	and	and	CCONJ
ajis02-2579	522	10	helge	helge	PROPN
ajis02-2579	522	11	thorbjørnsen	thorbjørnsen	PROPN
ajis02-2579	522	12	.	.	PUNCT
ajis02-2579	523	1	2005	2005	NUM
ajis02-2579	523	2	.	.	PUNCT
ajis02-2579	524	1	"	"	PUNCT
ajis02-2579	524	2	intentions	intention	NOUN
ajis02-2579	524	3	to	to	PART
ajis02-2579	524	4	use	use	VERB
ajis02-2579	524	5	mobile	mobile	ADJ
ajis02-2579	524	6	services	service	NOUN
ajis02-2579	524	7	:	:	PUNCT
ajis02-2579	524	8	antecedents	antecedent	NOUN
ajis02-2579	524	9	and	and	CCONJ
ajis02-2579	524	10	cross	cross	ADJ
ajis02-2579	524	11	-	-	ADJ
ajis02-2579	524	12	service	service	ADJ
ajis02-2579	524	13	comparisons	comparison	NOUN
ajis02-2579	524	14	.	.	PUNCT
ajis02-2579	524	15	"	"	PUNCT
ajis02-2579	525	1	journal	journal	NOUN
ajis02-2579	525	2	of	of	ADP
ajis02-2579	525	3	the	the	DET
ajis02-2579	525	4	academy	academy	NOUN
ajis02-2579	525	5	of	of	ADP
ajis02-2579	525	6	marketing	marketing	NOUN
ajis02-2579	525	7	science	science	NOUN
ajis02-2579	525	8	33	33	NUM
ajis02-2579	525	9	(	(	PUNCT
ajis02-2579	525	10	3):330	3):330	PROPN
ajis02-2579	525	11	.	.	PROPN
ajis02-2579	525	12	okeleke	okeleke	NOUN
ajis02-2579	525	13	,	,	PUNCT
ajis02-2579	525	14	kenechi	kenechi	PROPN
ajis02-2579	525	15	,	,	PUNCT
ajis02-2579	525	16	m	m	VERB
ajis02-2579	525	17	rogers	roger	NOUN
ajis02-2579	525	18	,	,	PUNCT
ajis02-2579	525	19	and	and	CCONJ
ajis02-2579	525	20	x	x	X
ajis02-2579	525	21	pedros	pedros	PROPN
ajis02-2579	525	22	.	.	PUNCT
ajis02-2579	525	23	2017	2017	NUM
ajis02-2579	525	24	.	.	PUNCT
ajis02-2579	526	1	"	"	PUNCT
ajis02-2579	526	2	the	the	DET
ajis02-2579	526	3	mobile	mobile	ADJ
ajis02-2579	526	4	economy	economy	NOUN
ajis02-2579	526	5	2017	2017	NUM
ajis02-2579	526	6	.	.	PUNCT
ajis02-2579	526	7	"	"	PUNCT
ajis02-2579	526	8	gsma	gsma	NOUN
ajis02-2579	526	9	intelligence	intelligence	NOUN
ajis02-2579	526	10	,	,	PUNCT
ajis02-2579	526	11	london	london	PROPN
ajis02-2579	526	12	.	.	PUNCT
ajis02-2579	527	1	the	the	DET
ajis02-2579	527	2	uk	uk	PROPN
ajis02-2579	527	3	.	.	PROPN
ajis02-2579	527	4	paul	paul	PROPN
ajis02-2579	527	5	legris	legris	PROPN
ajis02-2579	527	6	,	,	PUNCT
ajis02-2579	527	7	john	john	PROPN
ajis02-2579	527	8	ingham	ingham	PROPN
ajis02-2579	527	9	,	,	PUNCT
ajis02-2579	527	10	and	and	CCONJ
ajis02-2579	527	11	pierre	pierre	NOUN
ajis02-2579	527	12	collerette	collerette	NOUN
ajis02-2579	527	13	.	.	PUNCT
ajis02-2579	527	14	2003	2003	NUM
ajis02-2579	527	15	.	.	PUNCT
ajis02-2579	528	1	why	why	SCONJ
ajis02-2579	528	2	do	do	AUX
ajis02-2579	528	3	people	people	NOUN
ajis02-2579	528	4	use	use	VERB
ajis02-2579	528	5	information	information	NOUN
ajis02-2579	528	6	technology	technology	NOUN
ajis02-2579	528	7	?	?	PUNCT
ajis02-2579	529	1	a	a	DET
ajis02-2579	529	2	critical	critical	ADJ
ajis02-2579	529	3	review	review	NOUN
ajis02-2579	529	4	of	of	ADP
ajis02-2579	529	5	the	the	DET
ajis02-2579	529	6	technology	technology	NOUN
ajis02-2579	529	7	acceptance	acceptance	NOUN
ajis02-2579	529	8	model	model	NOUN
ajis02-2579	529	9	.	.	PUNCT
ajis02-2579	530	1	information	information	NOUN
ajis02-2579	530	2	&	&	CCONJ
ajis02-2579	530	3	management	management	PROPN
ajis02-2579	530	4	40	40	NUM
ajis02-2579	530	5	,	,	PUNCT
ajis02-2579	530	6	191–204	191–204	NUM
ajis02-2579	530	7	.	.	PUNCT
ajis02-2579	530	8	polites	polite	NOUN
ajis02-2579	530	9	,	,	PUNCT
ajis02-2579	530	10	g.	g.	PROPN
ajis02-2579	530	11	;	;	PUNCT
ajis02-2579	530	12	karahanna	karahanna	PROPN
ajis02-2579	530	13	,	,	PUNCT
ajis02-2579	530	14	e.	e.	PROPN
ajis02-2579	530	15	(	(	PUNCT
ajis02-2579	530	16	2018	2018	NUM
ajis02-2579	530	17	)	)	PUNCT
ajis02-2579	530	18	.	.	PUNCT
ajis02-2579	530	19	shackled	shackle	VERB
ajis02-2579	530	20	to	to	ADP
ajis02-2579	530	21	the	the	DET
ajis02-2579	530	22	status	status	NOUN
ajis02-2579	530	23	quo	quo	NOUN
ajis02-2579	530	24	:	:	PUNCT
ajis02-2579	530	25	the	the	DET
ajis02-2579	530	26	inhibiting	inhibit	VERB
ajis02-2579	530	27	effects	effect	NOUN
ajis02-2579	530	28	of	of	ADP
ajis02-2579	530	29	incumbent	incumbent	ADJ
ajis02-2579	530	30	system	system	NOUN
ajis02-2579	530	31	habit	habit	NOUN
ajis02-2579	530	32	,	,	PUNCT
ajis02-2579	530	33	switching	switch	VERB
ajis02-2579	530	34	costs	cost	NOUN
ajis02-2579	530	35	,	,	PUNCT
ajis02-2579	530	36	and	and	CCONJ
ajis02-2579	530	37	inertia	inertia	NOUN
ajis02-2579	530	38	on	on	ADP
ajis02-2579	530	39	new	new	ADJ
ajis02-2579	530	40	system	system	NOUN
ajis02-2579	530	41	acceptance	acceptance	NOUN
ajis02-2579	530	42	.	.	PUNCT
ajis02-2579	531	1	mis	mis	PROPN
ajis02-2579	531	2	quarterly	quarterly	PROPN
ajis02-2579	531	3	,	,	PUNCT
ajis02-2579	531	4	36	36	NUM
ajis02-2579	531	5	,	,	PUNCT
ajis02-2579	531	6	21–42	21–42	NUM
ajis02-2579	531	7	porteous	porteous	NOUN
ajis02-2579	531	8	,	,	PUNCT
ajis02-2579	531	9	d.	d.	PROPN
ajis02-2579	531	10	(	(	PUNCT
ajis02-2579	531	11	2009	2009	NUM
ajis02-2579	531	12	)	)	PUNCT
ajis02-2579	531	13	.	.	PUNCT
ajis02-2579	532	1	mobilizing	mobilize	VERB
ajis02-2579	532	2	money	money	NOUN
ajis02-2579	532	3	through	through	ADP
ajis02-2579	532	4	enabling	enable	VERB
ajis02-2579	532	5	regulation	regulation	NOUN
ajis02-2579	532	6	.	.	PUNCT
ajis02-2579	533	1	innovations	innovation	NOUN
ajis02-2579	533	2	:	:	PUNCT
ajis02-2579	533	3	technology	technology	NOUN
ajis02-2579	533	4	,	,	PUNCT
ajis02-2579	533	5	governance	governance	NOUN
ajis02-2579	533	6	,	,	PUNCT
ajis02-2579	533	7	globalization	globalization	NOUN
ajis02-2579	533	8	,	,	PUNCT
ajis02-2579	533	9	4(1	4(1	NOUN
ajis02-2579	533	10	)	)	PUNCT
ajis02-2579	533	11	,	,	PUNCT
ajis02-2579	533	12	75	75	NUM
ajis02-2579	533	13	-	-	SYM
ajis02-2579	533	14	90	90	NUM
ajis02-2579	533	15	.	.	PUNCT
ajis02-2579	534	1	porter	porter	NOUN
ajis02-2579	534	2	,	,	PUNCT
ajis02-2579	534	3	constance	constance	PROPN
ajis02-2579	534	4	elise	elise	PROPN
ajis02-2579	534	5	,	,	PUNCT
ajis02-2579	534	6	and	and	CCONJ
ajis02-2579	534	7	naveen	naveen	PROPN
ajis02-2579	534	8	donthu	donthu	PROPN
ajis02-2579	534	9	.	.	PUNCT
ajis02-2579	535	1	2006	2006	NUM
ajis02-2579	535	2	.	.	PUNCT
ajis02-2579	536	1	"	"	PUNCT
ajis02-2579	536	2	using	use	VERB
ajis02-2579	536	3	the	the	DET
ajis02-2579	536	4	technology	technology	NOUN
ajis02-2579	536	5	acceptance	acceptance	NOUN
ajis02-2579	536	6	model	model	NOUN
ajis02-2579	536	7	to	to	PART
ajis02-2579	536	8	explain	explain	VERB
ajis02-2579	536	9	how	how	SCONJ
ajis02-2579	536	10	attitudes	attitude	NOUN
ajis02-2579	536	11	determine	determine	VERB
ajis02-2579	536	12	internet	internet	NOUN
ajis02-2579	536	13	usage	usage	NOUN
ajis02-2579	536	14	:	:	PUNCT
ajis02-2579	536	15	the	the	DET
ajis02-2579	536	16	role	role	NOUN
ajis02-2579	536	17	of	of	ADP
ajis02-2579	536	18	perceived	perceive	VERB
ajis02-2579	536	19	access	access	NOUN
ajis02-2579	536	20	barriers	barrier	NOUN
ajis02-2579	536	21	and	and	CCONJ
ajis02-2579	536	22	demographics	demographic	NOUN
ajis02-2579	536	23	.	.	PUNCT
ajis02-2579	536	24	"	"	PUNCT
ajis02-2579	537	1	journal	journal	NOUN
ajis02-2579	537	2	of	of	ADP
ajis02-2579	537	3	business	business	NOUN
ajis02-2579	537	4	research	research	NOUN
ajis02-2579	537	5	59	59	NUM
ajis02-2579	537	6	(	(	PUNCT
ajis02-2579	537	7	9):999	9):999	NUM
ajis02-2579	537	8	-	-	SYM
ajis02-2579	537	9	1007	1007	NUM
ajis02-2579	537	10	.	.	PUNCT
ajis02-2579	538	1	reichheld	reichheld	PROPN
ajis02-2579	538	2	,	,	PUNCT
ajis02-2579	538	3	frederick	frederick	PROPN
ajis02-2579	538	4	f	f	X
ajis02-2579	538	5	,	,	PUNCT
ajis02-2579	538	6	and	and	CCONJ
ajis02-2579	538	7	phil	phil	PROPN
ajis02-2579	538	8	schefter	schefter	PROPN
ajis02-2579	538	9	.	.	PUNCT
ajis02-2579	538	10	2000	2000	NUM
ajis02-2579	538	11	.	.	PUNCT
ajis02-2579	539	1	"	"	PUNCT
ajis02-2579	539	2	e	e	X
ajis02-2579	539	3	-	-	NOUN
ajis02-2579	539	4	loyalty	loyalty	NOUN
ajis02-2579	539	5	:	:	PUNCT
ajis02-2579	539	6	your	your	PRON
ajis02-2579	539	7	secret	secret	ADJ
ajis02-2579	539	8	weapon	weapon	NOUN
ajis02-2579	539	9	on	on	ADP
ajis02-2579	539	10	the	the	DET
ajis02-2579	539	11	web	web	NOUN
ajis02-2579	539	12	.	.	PUNCT
ajis02-2579	539	13	"	"	PUNCT
ajis02-2579	539	14	harvard	harvard	PROPN
ajis02-2579	539	15	business	business	PROPN
ajis02-2579	539	16	review	review	PROPN
ajis02-2579	539	17	78	78	NUM
ajis02-2579	539	18	(	(	PUNCT
ajis02-2579	539	19	4):105	4):105	NUM
ajis02-2579	539	20	-	-	PUNCT
ajis02-2579	539	21	113	113	NUM
ajis02-2579	539	22	.	.	PUNCT
ajis02-2579	540	1	rubin	rubin	PROPN
ajis02-2579	540	2	,	,	PUNCT
ajis02-2579	540	3	nilmini	nilmini	ADJ
ajis02-2579	540	4	.	.	NOUN
ajis02-2579	540	5	2017	2017	NUM
ajis02-2579	540	6	.	.	PUNCT
ajis02-2579	541	1	without	without	ADP
ajis02-2579	541	2	energy	energy	NOUN
ajis02-2579	541	3	,	,	PUNCT
ajis02-2579	541	4	the	the	DET
ajis02-2579	541	5	internet	internet	NOUN
ajis02-2579	541	6	is	be	AUX
ajis02-2579	541	7	just	just	ADV
ajis02-2579	541	8	a	a	DET
ajis02-2579	541	9	black	black	ADJ
ajis02-2579	541	10	hole	hole	NOUN
ajis02-2579	541	11	:	:	PUNCT
ajis02-2579	541	12	creating	create	VERB
ajis02-2579	541	13	energy	energy	NOUN
ajis02-2579	541	14	solutions	solution	NOUN
ajis02-2579	541	15	for	for	ADP
ajis02-2579	541	16	information	information	NOUN
ajis02-2579	541	17	and	and	CCONJ
ajis02-2579	541	18	communications	communication	NOUN
ajis02-2579	541	19	technology	technology	NOUN
ajis02-2579	541	20	.	.	PUNCT
ajis02-2579	542	1	washington	washington	PROPN
ajis02-2579	542	2	dc	dc	PROPN
ajis02-2579	542	3	.	.	PUNCT
ajis02-2579	542	4	:	:	PUNCT
ajis02-2579	543	1	alliance	alliance	NOUN
ajis02-2579	543	2	for	for	ADP
ajis02-2579	543	3	affordable	affordable	ADJ
ajis02-2579	543	4	internet	internet	NOUN
ajis02-2579	543	5	.	.	PUNCT
ajis02-2579	544	1	san	san	PROPN
ajis02-2579	544	2	-	-	PUNCT
ajis02-2579	544	3	martin	martin	PROPN
ajis02-2579	544	4	,	,	PUNCT
ajis02-2579	544	5	sonia	sonia	NOUN
ajis02-2579	544	6	,	,	PUNCT
ajis02-2579	544	7	and	and	CCONJ
ajis02-2579	544	8	blanca	blanca	PROPN
ajis02-2579	544	9	lópez	lópez	PROPN
ajis02-2579	544	10	-	-	PUNCT
ajis02-2579	544	11	catalán	catalán	NOUN
ajis02-2579	544	12	.	.	PUNCT
ajis02-2579	545	1	2013	2013	NUM
ajis02-2579	545	2	.	.	PUNCT
ajis02-2579	546	1	"	"	PUNCT
ajis02-2579	546	2	how	how	SCONJ
ajis02-2579	546	3	can	can	AUX
ajis02-2579	546	4	a	a	DET
ajis02-2579	546	5	mobile	mobile	ADJ
ajis02-2579	546	6	vendor	vendor	NOUN
ajis02-2579	546	7	get	get	VERB
ajis02-2579	546	8	satisfied	satisfied	ADJ
ajis02-2579	546	9	customers	customer	NOUN
ajis02-2579	546	10	?	?	PUNCT
ajis02-2579	546	11	"	"	PUNCT
ajis02-2579	546	12	industrial	industrial	ADJ
ajis02-2579	546	13	management	management	NOUN
ajis02-2579	546	14	data	datum	NOUN
ajis02-2579	546	15	systems	system	NOUN
ajis02-2579	546	16	,	,	PUNCT
ajis02-2579	546	17	113	113	NUM
ajis02-2579	546	18	(	(	PUNCT
ajis02-2579	546	19	2):156	2):156	NOUN
ajis02-2579	546	20	-	-	SYM
ajis02-2579	546	21	170	170	NUM
ajis02-2579	546	22	.	.	PUNCT
ajis02-2579	547	1	schierz	schierz	PROPN
ajis02-2579	547	2	,	,	PUNCT
ajis02-2579	547	3	paul	paul	PROPN
ajis02-2579	547	4	gerhardt	gerhardt	PROPN
ajis02-2579	547	5	,	,	PUNCT
ajis02-2579	547	6	oliver	oliver	PROPN
ajis02-2579	547	7	schilke	schilke	NOUN
ajis02-2579	547	8	,	,	PUNCT
ajis02-2579	547	9	and	and	CCONJ
ajis02-2579	547	10	bernd	bernd	PROPN
ajis02-2579	547	11	w	w	PROPN
ajis02-2579	547	12	wirtz	wirtz	PROPN
ajis02-2579	547	13	.	.	PUNCT
ajis02-2579	548	1	2010	2010	NUM
ajis02-2579	548	2	.	.	PUNCT
ajis02-2579	549	1	"	"	PUNCT
ajis02-2579	549	2	understanding	understand	VERB
ajis02-2579	549	3	consumer	consumer	NOUN
ajis02-2579	549	4	acceptance	acceptance	NOUN
ajis02-2579	549	5	of	of	ADP
ajis02-2579	549	6	mobile	mobile	ADJ
ajis02-2579	549	7	payment	payment	NOUN
ajis02-2579	549	8	services	service	NOUN
ajis02-2579	549	9	:	:	PUNCT
ajis02-2579	549	10	an	an	DET
ajis02-2579	549	11	empirical	empirical	ADJ
ajis02-2579	549	12	analysis	analysis	NOUN
ajis02-2579	549	13	.	.	PUNCT
ajis02-2579	549	14	"	"	PUNCT
ajis02-2579	549	15	electronic	electronic	ADJ
ajis02-2579	549	16	commerce	commerce	NOUN
ajis02-2579	549	17	research	research	NOUN
ajis02-2579	549	18	and	and	CCONJ
ajis02-2579	549	19	applications	application	NOUN
ajis02-2579	549	20	9	9	NUM
ajis02-2579	549	21	(	(	PUNCT
ajis02-2579	549	22	3):209	3):209	NUM
ajis02-2579	549	23	-	-	PUNCT
ajis02-2579	549	24	216	216	NUM
ajis02-2579	549	25	.	.	PUNCT
ajis02-2579	549	26	swanson	swanson	PROPN
ajis02-2579	549	27	,	,	PUNCT
ajis02-2579	549	28	e	e	PROPN
ajis02-2579	549	29	burton	burton	PROPN
ajis02-2579	549	30	.	.	PUNCT
ajis02-2579	549	31	1982	1982	NUM
ajis02-2579	549	32	.	.	PUNCT
ajis02-2579	550	1	"	"	PUNCT
ajis02-2579	550	2	measuring	measure	VERB
ajis02-2579	550	3	user	user	NOUN
ajis02-2579	550	4	attitudes	attitude	NOUN
ajis02-2579	550	5	in	in	ADP
ajis02-2579	550	6	mis	mis	PROPN
ajis02-2579	550	7	research	research	NOUN
ajis02-2579	550	8	:	:	PUNCT
ajis02-2579	550	9	a	a	DET
ajis02-2579	550	10	review	review	NOUN
ajis02-2579	550	11	.	.	PUNCT
ajis02-2579	550	12	"	"	PUNCT
ajis02-2579	551	1	omega	omega	NOUN
ajis02-2579	551	2	10	10	NUM
ajis02-2579	551	3	(	(	PUNCT
ajis02-2579	551	4	2):157	2):157	NUM
ajis02-2579	551	5	-	-	SYM
ajis02-2579	551	6	165	165	NUM
ajis02-2579	551	7	.	.	PUNCT
ajis02-2579	552	1	syed	sye	VERB
ajis02-2579	552	2	,	,	PUNCT
ajis02-2579	552	3	m.	m.	NOUN
ajis02-2579	552	4	,	,	PUNCT
ajis02-2579	552	5	&	&	CCONJ
ajis02-2579	552	6	nelson	nelson	PROPN
ajis02-2579	552	7	,	,	PUNCT
ajis02-2579	552	8	s.	s.	PROPN
ajis02-2579	552	9	c.	c.	PROPN
ajis02-2579	552	10	(	(	PUNCT
ajis02-2579	552	11	2015	2015	NUM
ajis02-2579	552	12	)	)	PUNCT
ajis02-2579	552	13	.	.	PUNCT
ajis02-2579	553	1	guidelines	guideline	NOUN
ajis02-2579	553	2	for	for	ADP
ajis02-2579	553	3	establishing	establish	VERB
ajis02-2579	553	4	reliability	reliability	NOUN
ajis02-2579	553	5	when	when	SCONJ
ajis02-2579	553	6	coding	code	VERB
ajis02-2579	553	7	narrative	narrative	NOUN
ajis02-2579	553	8	data	datum	NOUN
ajis02-2579	553	9	.	.	PUNCT
ajis02-2579	554	1	emerging	emerge	VERB
ajis02-2579	554	2	adulthood	adulthood	NOUN
ajis02-2579	554	3	,	,	PUNCT
ajis02-2579	554	4	3(6	3(6	NUM
ajis02-2579	554	5	)	)	PUNCT
ajis02-2579	554	6	,	,	PUNCT
ajis02-2579	554	7	375	375	NUM
ajis02-2579	554	8	-	-	SYM
ajis02-2579	554	9	387	387	NUM
ajis02-2579	554	10	venkatesh	venkatesh	NOUN
ajis02-2579	554	11	,	,	PUNCT
ajis02-2579	554	12	viswanath	viswanath	NOUN
ajis02-2579	554	13	,	,	PUNCT
ajis02-2579	554	14	and	and	CCONJ
ajis02-2579	554	15	fred	fred	PROPN
ajis02-2579	554	16	d	d	PROPN
ajis02-2579	554	17	davis	davis	PROPN
ajis02-2579	554	18	.	.	PUNCT
ajis02-2579	554	19	1996	1996	NUM
ajis02-2579	554	20	.	.	PUNCT
ajis02-2579	555	1	"	"	PUNCT
ajis02-2579	555	2	a	a	DET
ajis02-2579	555	3	model	model	NOUN
ajis02-2579	555	4	of	of	ADP
ajis02-2579	555	5	the	the	DET
ajis02-2579	555	6	antecedents	antecedent	NOUN
ajis02-2579	555	7	of	of	ADP
ajis02-2579	555	8	perceived	perceive	VERB
ajis02-2579	555	9	ease	ease	NOUN
ajis02-2579	555	10	of	of	ADP
ajis02-2579	555	11	use	use	NOUN
ajis02-2579	555	12	:	:	PUNCT
ajis02-2579	555	13	development	development	NOUN
ajis02-2579	555	14	and	and	CCONJ
ajis02-2579	555	15	test	test	NOUN
ajis02-2579	555	16	.	.	PUNCT
ajis02-2579	555	17	"	"	PUNCT
ajis02-2579	556	1	decision	decision	NOUN
ajis02-2579	556	2	sciences	science	NOUN
ajis02-2579	556	3	27	27	NUM
ajis02-2579	556	4	(	(	PUNCT
ajis02-2579	556	5	3):451	3):451	NUM
ajis02-2579	556	6	-	-	SYM
ajis02-2579	556	7	481	481	NUM
ajis02-2579	556	8	.	.	PUNCT
ajis02-2579	557	1	australasian	australasian	ADJ
ajis02-2579	557	2	journal	journal	NOUN
ajis02-2579	557	3	of	of	ADP
ajis02-2579	557	4	information	information	NOUN
ajis02-2579	557	5	systems	system	NOUN
ajis02-2579	557	6	alhassan	alhassan	PROPN
ajis02-2579	557	7	,	,	PUNCT
ajis02-2579	557	8	li	li	PROPN
ajis02-2579	557	9	,	,	PUNCT
ajis02-2579	557	10	reddy	reddy	PROPN
ajis02-2579	557	11	&	&	CCONJ
ajis02-2579	557	12	duppati	duppati	PROPN
ajis02-2579	557	13	2020	2020	NUM
ajis02-2579	557	14	,	,	PUNCT
ajis02-2579	557	15	vol	vol	NOUN
ajis02-2579	557	16	24	24	NUM
ajis02-2579	557	17	,	,	PUNCT
ajis02-2579	557	18	research	research	NOUN
ajis02-2579	557	19	article	article	NOUN
ajis02-2579	557	20	consumer	consumer	NOUN
ajis02-2579	557	21	acceptance	acceptance	NOUN
ajis02-2579	557	22	and	and	CCONJ
ajis02-2579	557	23	continuance	continuance	NOUN
ajis02-2579	557	24	of	of	ADP
ajis02-2579	557	25	mobile	mobile	ADJ
ajis02-2579	557	26	money	money	NOUN
ajis02-2579	557	27	25	25	NUM
ajis02-2579	557	28	venkatesh	venkatesh	NOUN
ajis02-2579	557	29	,	,	PUNCT
ajis02-2579	557	30	viswanath	viswanath	PROPN
ajis02-2579	557	31	,	,	PUNCT
ajis02-2579	557	32	michael	michael	PROPN
ajis02-2579	557	33	g	g	PROPN
ajis02-2579	557	34	morris	morris	PROPN
ajis02-2579	557	35	,	,	PUNCT
ajis02-2579	557	36	gordon	gordon	PROPN
ajis02-2579	557	37	b	b	PROPN
ajis02-2579	557	38	davis	davis	PROPN
ajis02-2579	557	39	,	,	PUNCT
ajis02-2579	557	40	and	and	CCONJ
ajis02-2579	557	41	fred	fred	PROPN
ajis02-2579	557	42	d	d	PROPN
ajis02-2579	557	43	davis	davis	PROPN
ajis02-2579	557	44	.	.	PUNCT
ajis02-2579	557	45	2003	2003	NUM
ajis02-2579	557	46	.	.	PUNCT
ajis02-2579	558	1	"	"	PUNCT
ajis02-2579	558	2	user	user	NOUN
ajis02-2579	558	3	acceptance	acceptance	NOUN
ajis02-2579	558	4	of	of	ADP
ajis02-2579	558	5	information	information	NOUN
ajis02-2579	558	6	technology	technology	NOUN
ajis02-2579	558	7	:	:	PUNCT
ajis02-2579	558	8	toward	toward	ADP
ajis02-2579	558	9	a	a	DET
ajis02-2579	558	10	unified	unified	ADJ
ajis02-2579	558	11	view	view	NOUN
ajis02-2579	558	12	.	.	PUNCT
ajis02-2579	558	13	"	"	PUNCT
ajis02-2579	559	1	mis	mis	PROPN
ajis02-2579	559	2	quarterly:425	quarterly:425	PROPN
ajis02-2579	559	3	-	-	X
ajis02-2579	559	4	478	478	NUM
ajis02-2579	559	5	.	.	PUNCT
ajis02-2579	560	1	venkatesh	venkatesh	PROPN
ajis02-2579	560	2	,	,	PUNCT
ajis02-2579	560	3	viswanath	viswanath	PROPN
ajis02-2579	560	4	,	,	PUNCT
ajis02-2579	560	5	james	james	PROPN
ajis02-2579	560	6	yl	yl	PROPN
ajis02-2579	560	7	thong	thong	PROPN
ajis02-2579	560	8	,	,	PUNCT
ajis02-2579	560	9	and	and	CCONJ
ajis02-2579	560	10	xin	xin	PROPN
ajis02-2579	560	11	xu	xu	PROPN
ajis02-2579	560	12	.	.	PUNCT
ajis02-2579	560	13	2012	2012	NUM
ajis02-2579	560	14	.	.	PUNCT
ajis02-2579	561	1	"	"	PUNCT
ajis02-2579	561	2	consumer	consumer	NOUN
ajis02-2579	561	3	acceptance	acceptance	NOUN
ajis02-2579	561	4	and	and	CCONJ
ajis02-2579	561	5	use	use	NOUN
ajis02-2579	561	6	of	of	ADP
ajis02-2579	561	7	information	information	NOUN
ajis02-2579	561	8	technology	technology	NOUN
ajis02-2579	561	9	:	:	PUNCT
ajis02-2579	561	10	extending	extend	VERB
ajis02-2579	561	11	the	the	DET
ajis02-2579	561	12	unified	unified	ADJ
ajis02-2579	561	13	theory	theory	NOUN
ajis02-2579	561	14	of	of	ADP
ajis02-2579	561	15	acceptance	acceptance	NOUN
ajis02-2579	561	16	and	and	CCONJ
ajis02-2579	561	17	use	use	NOUN
ajis02-2579	561	18	of	of	ADP
ajis02-2579	561	19	technology	technology	NOUN
ajis02-2579	561	20	.	.	PUNCT
ajis02-2579	561	21	"	"	PUNCT
ajis02-2579	561	22	mis	mis	PROPN
ajis02-2579	561	23	quarterly:157	quarterly:157	PROPN
ajis02-2579	561	24	-	-	PROPN
ajis02-2579	561	25	178	178	NUM
ajis02-2579	561	26	.	.	PUNCT
ajis02-2579	562	1	world	world	PROPN
ajis02-2579	562	2	bank	bank	PROPN
ajis02-2579	562	3	,	,	PUNCT
ajis02-2579	562	4	iea	iea	NOUN
ajis02-2579	562	5	.	.	PUNCT
ajis02-2579	563	1	2014	2014	NUM
ajis02-2579	563	2	.	.	PUNCT
ajis02-2579	564	1	"	"	PUNCT
ajis02-2579	564	2	electric	electric	ADJ
ajis02-2579	564	3	power	power	NOUN
ajis02-2579	564	4	consumption	consumption	NOUN
ajis02-2579	564	5	(	(	PUNCT
ajis02-2579	564	6	kwh	kwh	X
ajis02-2579	564	7	per	per	ADP
ajis02-2579	564	8	capita	capita	NOUN
ajis02-2579	564	9	)	)	PUNCT
ajis02-2579	564	10	in	in	ADP
ajis02-2579	564	11	africa	africa	PROPN
ajis02-2579	564	12	.	.	PUNCT
ajis02-2579	564	13	"	"	PUNCT
ajis02-2579	565	1	wu	wu	PROPN
ajis02-2579	565	2	,	,	PUNCT
ajis02-2579	565	3	jen	jen	PROPN
ajis02-2579	565	4	-	-	PUNCT
ajis02-2579	565	5	her	her	PROPN
ajis02-2579	565	6	,	,	PUNCT
ajis02-2579	565	7	and	and	CCONJ
ajis02-2579	565	8	shu	shu	PROPN
ajis02-2579	565	9	-	-	PUNCT
ajis02-2579	565	10	ching	ching	PROPN
ajis02-2579	565	11	wang	wang	PROPN
ajis02-2579	565	12	.	.	PUNCT
ajis02-2579	565	13	2005	2005	NUM
ajis02-2579	565	14	.	.	PUNCT
ajis02-2579	566	1	"	"	PUNCT
ajis02-2579	566	2	what	what	PRON
ajis02-2579	566	3	drives	drive	VERB
ajis02-2579	566	4	mobile	mobile	ADJ
ajis02-2579	566	5	commerce	commerce	NOUN
ajis02-2579	566	6	?	?	PUNCT
ajis02-2579	566	7	:	:	PUNCT
ajis02-2579	567	1	an	an	DET
ajis02-2579	567	2	empirical	empirical	ADJ
ajis02-2579	567	3	evaluation	evaluation	NOUN
ajis02-2579	567	4	of	of	ADP
ajis02-2579	567	5	the	the	DET
ajis02-2579	567	6	revised	revise	VERB
ajis02-2579	567	7	technology	technology	NOUN
ajis02-2579	567	8	acceptance	acceptance	NOUN
ajis02-2579	567	9	model	model	NOUN
ajis02-2579	567	10	.	.	PUNCT
ajis02-2579	567	11	"	"	PUNCT
ajis02-2579	568	1	journal	journal	NOUN
ajis02-2579	568	2	of	of	ADP
ajis02-2579	568	3	information	information	NOUN
ajis02-2579	568	4	management	management	NOUN
ajis02-2579	568	5	,	,	PUNCT
ajis02-2579	568	6	42	42	NUM
ajis02-2579	568	7	(	(	PUNCT
ajis02-2579	568	8	5):719	5):719	NUM
ajis02-2579	568	9	-	-	PUNCT
ajis02-2579	568	10	729	729	NUM
ajis02-2579	568	11	.	.	PUNCT
ajis02-2579	569	1	yang	yang	PROPN
ajis02-2579	569	2	,	,	PUNCT
ajis02-2579	569	3	kenneth	kenneth	PROPN
ajis02-2579	569	4	cc	cc	PROPN
ajis02-2579	569	5	,	,	PUNCT
ajis02-2579	569	6	2005	2005	NUM
ajis02-2579	569	7	.	.	PUNCT
ajis02-2579	570	1	"	"	PUNCT
ajis02-2579	570	2	exploring	explore	VERB
ajis02-2579	570	3	factors	factor	NOUN
ajis02-2579	570	4	affecting	affect	VERB
ajis02-2579	570	5	the	the	DET
ajis02-2579	570	6	adoption	adoption	NOUN
ajis02-2579	570	7	of	of	ADP
ajis02-2579	570	8	mobile	mobile	ADJ
ajis02-2579	570	9	commerce	commerce	NOUN
ajis02-2579	570	10	in	in	ADP
ajis02-2579	570	11	singapore	singapore	PROPN
ajis02-2579	570	12	.	.	PUNCT
ajis02-2579	570	13	"	"	PUNCT
ajis02-2579	571	1	telematics	telematic	NOUN
ajis02-2579	571	2	informatics	informatic	NOUN
ajis02-2579	571	3	,	,	PUNCT
ajis02-2579	571	4	22	22	NUM
ajis02-2579	571	5	(	(	PUNCT
ajis02-2579	571	6	3):257	3):257	PROPN
ajis02-2579	571	7	-	-	NUM
ajis02-2579	571	8	277	277	NUM
ajis02-2579	571	9	.	.	PUNCT
ajis02-2579	572	1	zacharis	zacharis	PROPN
ajis02-2579	572	2	,	,	PUNCT
ajis02-2579	572	3	nick	nick	PROPN
ajis02-2579	572	4	z	z	PROPN
ajis02-2579	572	5	,	,	PUNCT
ajis02-2579	572	6	2012	2012	NUM
ajis02-2579	572	7	.	.	PUNCT
ajis02-2579	573	1	"	"	PUNCT
ajis02-2579	573	2	predicting	predict	VERB
ajis02-2579	573	3	college	college	NOUN
ajis02-2579	573	4	students	student	NOUN
ajis02-2579	573	5	'	'	PART
ajis02-2579	573	6	acceptance	acceptance	NOUN
ajis02-2579	573	7	of	of	ADP
ajis02-2579	573	8	podcasting	podcasting	NOUN
ajis02-2579	573	9	as	as	ADP
ajis02-2579	573	10	a	a	DET
ajis02-2579	573	11	learning	learning	NOUN
ajis02-2579	573	12	tool	tool	NOUN
ajis02-2579	573	13	.	.	PUNCT
ajis02-2579	573	14	"	"	PUNCT
ajis02-2579	574	1	interactive	interactive	ADJ
ajis02-2579	574	2	technology	technology	NOUN
ajis02-2579	574	3	smart	smart	ADJ
ajis02-2579	574	4	education	education	NOUN
ajis02-2579	574	5	,	,	PUNCT
ajis02-2579	574	6	9	9	NUM
ajis02-2579	574	7	(	(	PUNCT
ajis02-2579	574	8	3):171	3):171	NUM
ajis02-2579	574	9	-	-	SYM
ajis02-2579	574	10	183	183	NUM
ajis02-2579	574	11	.	.	PUNCT
ajis02-2579	575	1	zheng	zheng	PROPN
ajis02-2579	575	2	,	,	PUNCT
ajis02-2579	575	3	yiming	yiming	PROPN
ajis02-2579	575	4	,	,	PUNCT
ajis02-2579	575	5	kexin	kexin	PROPN
ajis02-2579	575	6	zhao	zhao	PROPN
ajis02-2579	575	7	,	,	PUNCT
ajis02-2579	575	8	and	and	CCONJ
ajis02-2579	575	9	antonis	antonis	PROPN
ajis02-2579	575	10	stylianou	stylianou	PROPN
ajis02-2579	575	11	.	.	PUNCT
ajis02-2579	576	1	2013	2013	NUM
ajis02-2579	576	2	.	.	PUNCT
ajis02-2579	577	1	"	"	PUNCT
ajis02-2579	577	2	the	the	DET
ajis02-2579	577	3	impacts	impact	NOUN
ajis02-2579	577	4	of	of	ADP
ajis02-2579	577	5	information	information	NOUN
ajis02-2579	577	6	quality	quality	NOUN
ajis02-2579	577	7	and	and	CCONJ
ajis02-2579	577	8	system	system	NOUN
ajis02-2579	577	9	quality	quality	NOUN
ajis02-2579	577	10	on	on	ADP
ajis02-2579	577	11	users	user	NOUN
ajis02-2579	577	12	'	'	PART
ajis02-2579	577	13	continuance	continuance	NOUN
ajis02-2579	577	14	intention	intention	NOUN
ajis02-2579	577	15	in	in	ADP
ajis02-2579	577	16	information	information	NOUN
ajis02-2579	577	17	-	-	PUNCT
ajis02-2579	577	18	exchange	exchange	NOUN
ajis02-2579	577	19	virtual	virtual	ADJ
ajis02-2579	577	20	communities	community	NOUN
ajis02-2579	577	21	:	:	PUNCT
ajis02-2579	577	22	an	an	DET
ajis02-2579	577	23	empirical	empirical	ADJ
ajis02-2579	577	24	investigation	investigation	NOUN
ajis02-2579	577	25	.	.	PUNCT
ajis02-2579	577	26	"	"	PUNCT
ajis02-2579	578	1	decision	decision	NOUN
ajis02-2579	578	2	support	support	NOUN
ajis02-2579	578	3	systems	system	NOUN
ajis02-2579	578	4	56:513	56:513	PROPN
ajis02-2579	578	5	-	-	PUNCT
ajis02-2579	578	6	524	524	NUM
ajis02-2579	578	7	.	.	PUNCT
ajis02-2579	579	1	zimmerman	zimmerman	PROPN
ajis02-2579	579	2	,	,	PUNCT
ajis02-2579	579	3	jamie	jamie	PROPN
ajis02-2579	579	4	m	m	PROPN
ajis02-2579	579	5	,	,	PUNCT
ajis02-2579	579	6	and	and	CCONJ
ajis02-2579	579	7	julia	julia	PROPN
ajis02-2579	579	8	arnold	arnold	PROPN
ajis02-2579	579	9	.	.	PUNCT
ajis02-2579	580	1	2013	2013	NUM
ajis02-2579	580	2	.	.	PUNCT
ajis02-2579	581	1	"	"	PUNCT
ajis02-2579	581	2	hope	hope	NOUN
ajis02-2579	581	3	or	or	CCONJ
ajis02-2579	581	4	hype	hype	NOUN
ajis02-2579	581	5	?	?	PUNCT
ajis02-2579	582	1	five	five	NUM
ajis02-2579	582	2	obstacles	obstacle	NOUN
ajis02-2579	582	3	to	to	ADP
ajis02-2579	582	4	mobile	mobile	ADJ
ajis02-2579	582	5	money	money	NOUN
ajis02-2579	582	6	innovations	innovation	NOUN
ajis02-2579	582	7	for	for	ADP
ajis02-2579	582	8	youth	youth	NOUN
ajis02-2579	582	9	financial	financial	ADJ
ajis02-2579	582	10	services	service	NOUN
ajis02-2579	582	11	.	.	PUNCT
ajis02-2579	582	12	"	"	PUNCT
ajis02-2579	583	1	innovations	innovation	NOUN
ajis02-2579	583	2	:	:	PUNCT
ajis02-2579	583	3	technology	technology	NOUN
ajis02-2579	583	4	,	,	PUNCT
ajis02-2579	583	5	governance	governance	NOUN
ajis02-2579	583	6	,	,	PUNCT
ajis02-2579	583	7	globalization	globalization	NOUN
ajis02-2579	583	8	8	8	NUM
ajis02-2579	583	9	(	(	PUNCT
ajis02-2579	583	10	1	1	NUM
ajis02-2579	583	11	-	-	PUNCT
ajis02-2579	583	12	2):233	2):233	NUM
ajis02-2579	583	13	-	-	PUNCT
ajis02-2579	583	14	246	246	NUM
ajis02-2579	583	15	.	.	PUNCT
ajis02-2579	584	1	copyright	copyright	NOUN
ajis02-2579	584	2	:	:	PUNCT
ajis02-2579	584	3	©	©	PROPN
ajis02-2579	584	4	2020	2020	NUM
ajis02-2579	584	5	alhassan	alhassan	PROPN
ajis02-2579	584	6	,	,	PUNCT
ajis02-2579	584	7	li	li	PROPN
ajis02-2579	584	8	,	,	PUNCT
ajis02-2579	584	9	reddy	reddy	PROPN
ajis02-2579	584	10	&	&	CCONJ
ajis02-2579	584	11	duppati	duppati	PROPN
ajis02-2579	584	12	.	.	PUNCT
ajis02-2579	585	1	this	this	PRON
ajis02-2579	585	2	is	be	AUX
ajis02-2579	585	3	an	an	DET
ajis02-2579	585	4	open	open	ADJ
ajis02-2579	585	5	-	-	PUNCT
ajis02-2579	585	6	access	access	NOUN
ajis02-2579	585	7	article	article	NOUN
ajis02-2579	585	8	distributed	distribute	VERB
ajis02-2579	585	9	under	under	ADP
ajis02-2579	585	10	the	the	DET
ajis02-2579	585	11	terms	term	NOUN
ajis02-2579	585	12	of	of	ADP
ajis02-2579	585	13	the	the	DET
ajis02-2579	585	14	creative	creative	ADJ
ajis02-2579	585	15	commons	common	NOUN
ajis02-2579	585	16	attribution	attribution	NOUN
ajis02-2579	585	17	-	-	PUNCT
ajis02-2579	585	18	noncommercial	noncommercial	ADJ
ajis02-2579	585	19	3.0	3.0	NUM
ajis02-2579	585	20	australia	australia	NOUN
ajis02-2579	585	21	license	license	NOUN
ajis02-2579	585	22	,	,	PUNCT
ajis02-2579	585	23	which	which	PRON
ajis02-2579	585	24	permits	permit	VERB
ajis02-2579	585	25	non	non	ADJ
ajis02-2579	585	26	-	-	ADJ
ajis02-2579	585	27	commercial	commercial	ADJ
ajis02-2579	585	28	use	use	NOUN
ajis02-2579	585	29	,	,	PUNCT
ajis02-2579	585	30	distribution	distribution	NOUN
ajis02-2579	585	31	,	,	PUNCT
ajis02-2579	585	32	and	and	CCONJ
ajis02-2579	585	33	reproduction	reproduction	NOUN
ajis02-2579	585	34	in	in	ADP
ajis02-2579	585	35	any	any	DET
ajis02-2579	585	36	medium	medium	NOUN
ajis02-2579	585	37	,	,	PUNCT
ajis02-2579	585	38	provided	provide	VERB
ajis02-2579	585	39	the	the	DET
ajis02-2579	585	40	original	original	ADJ
ajis02-2579	585	41	author	author	NOUN
ajis02-2579	585	42	and	and	CCONJ
ajis02-2579	585	43	ajis	ajis	ADV
ajis02-2579	585	44	are	be	AUX
ajis02-2579	585	45	credited	credit	VERB
ajis02-2579	585	46	.	.	PUNCT
ajis02-2579	586	1	doi	doi	NOUN
ajis02-2579	586	2	:	:	PUNCT
ajis02-2579	586	3	https://doi.org/10.3127/ajis.v24i0.2579	https://doi.org/10.3127/ajis.v24i0.2579	X
ajis02-2579	586	4	http://creativecommons.org/licenses/by-nc/3.0/au/	http://creativecommons.org/licenses/by-nc/3.0/au/	X