id	sid	tid	token	lemma	pos
ajis02-278	1	1	ajis	ajis	X
ajis02-278	1	2	vol	vol	NOUN
ajis02-278	1	3	.	.	PROPN
ajis02-278	2	1	7	7	NUM
ajis02-278	2	2	,	,	PUNCT
ajis02-278	2	3	no	no	DET
ajis02-278	2	4	2	2	NUM
ajis02-278	2	5	may	may	PROPN
ajis02-278	2	6	2000	2000	NUM
ajis02-278	2	7	eftpos	eftpos	NOUN
ajis02-278	2	8	impacts	impact	NOUN
ajis02-278	2	9	on	on	ADP
ajis02-278	2	10	branch	branch	NOUN
ajis02-278	2	11	banking	banking	NOUN
ajis02-278	2	12	:	:	PUNCT
ajis02-278	2	13	an	an	DET
ajis02-278	2	14	extraorganisational	extraorganisational	ADJ
ajis02-278	2	15	analysis	analysis	NOUN
ajis02-278	2	16	gregory	gregory	PROPN
ajis02-278	2	17	e.p	e.p	PROPN
ajis02-278	2	18	.	.	PROPN
ajis02-278	2	19	shailer	shailer	PROPN
ajis02-278	2	20	department	department	PROPN
ajis02-278	2	21	of	of	ADP
ajis02-278	2	22	commerce	commerce	PROPN
ajis02-278	2	23	,	,	PUNCT
ajis02-278	2	24	the	the	DET
ajis02-278	2	25	australian	australian	ADJ
ajis02-278	2	26	national	national	PROPN
ajis02-278	2	27	university	university	PROPN
ajis02-278	2	28	,	,	PUNCT
ajis02-278	2	29	canberra	canberra	PROPN
ajis02-278	2	30	0200	0200	NUM
ajis02-278	2	31	kenneth	kenneth	PROPN
ajis02-278	2	32	j.	j.	PROPN
ajis02-278	2	33	stevens	stevens	PROPN
ajis02-278	2	34	school	school	PROPN
ajis02-278	2	35	of	of	ADP
ajis02-278	2	36	information	information	NOUN
ajis02-278	2	37	systems	system	NOUN
ajis02-278	2	38	,	,	PUNCT
ajis02-278	2	39	technology	technology	NOUN
ajis02-278	2	40	and	and	CCONJ
ajis02-278	2	41	management	management	NOUN
ajis02-278	2	42	,	,	PUNCT
ajis02-278	2	43	the	the	DET
ajis02-278	2	44	university	university	NOUN
ajis02-278	2	45	of	of	ADP
ajis02-278	2	46	new	new	ADJ
ajis02-278	2	47	south	south	PROPN
ajis02-278	2	48	wales	wales	PROPN
ajis02-278	2	49	hargo	hargo	PROPN
ajis02-278	2	50	utomo	utomo	PROPN
ajis02-278	2	51	department	department	PROPN
ajis02-278	2	52	of	of	ADP
ajis02-278	2	53	commerce	commerce	PROPN
ajis02-278	2	54	,	,	PUNCT
ajis02-278	2	55	the	the	DET
ajis02-278	2	56	australian	australian	ADJ
ajis02-278	2	57	national	national	PROPN
ajis02-278	2	58	university	university	PROPN
ajis02-278	2	59	abstract	abstract	ADJ
ajis02-278	2	60	perceptions	perception	NOUN
ajis02-278	2	61	and	and	CCONJ
ajis02-278	2	62	experiences	experience	NOUN
ajis02-278	2	63	of	of	ADP
ajis02-278	2	64	bank	bank	NOUN
ajis02-278	2	65	branch	branch	NOUN
ajis02-278	2	66	managers	manager	NOUN
ajis02-278	2	67	and	and	CCONJ
ajis02-278	2	68	merchant	merchant	NOUN
ajis02-278	2	69	who	who	PRON
ajis02-278	2	70	have	have	AUX
ajis02-278	2	71	installed	instal	VERB
ajis02-278	2	72	eftpos	eftpos	NOUN
ajis02-278	2	73	are	be	AUX
ajis02-278	2	74	surveyed	survey	VERB
ajis02-278	2	75	to	to	PART
ajis02-278	2	76	investigate	investigate	VERB
ajis02-278	2	77	the	the	DET
ajis02-278	2	78	impact	impact	NOUN
ajis02-278	2	79	of	of	ADP
ajis02-278	2	80	eftpos	eftpos	NOUN
ajis02-278	2	81	on	on	ADP
ajis02-278	2	82	branch	branch	NOUN
ajis02-278	2	83	banking	banking	NOUN
ajis02-278	2	84	activities	activity	NOUN
ajis02-278	2	85	using	use	VERB
ajis02-278	2	86	internal	internal	ADJ
ajis02-278	2	87	and	and	CCONJ
ajis02-278	2	88	extraorganisational	extraorganisational	ADJ
ajis02-278	2	89	perspectives	perspective	NOUN
ajis02-278	2	90	.	.	PUNCT
ajis02-278	3	1	impacts	impact	NOUN
ajis02-278	3	2	are	be	AUX
ajis02-278	3	3	identified	identify	VERB
ajis02-278	3	4	by	by	ADP
ajis02-278	3	5	reference	reference	NOUN
ajis02-278	3	6	to	to	ADP
ajis02-278	3	7	banking	banking	NOUN
ajis02-278	3	8	activities	activity	NOUN
ajis02-278	3	9	and	and	CCONJ
ajis02-278	3	10	interpreted	interpret	VERB
ajis02-278	3	11	as	as	ADP
ajis02-278	3	12	efficiency	efficiency	NOUN
ajis02-278	3	13	,	,	PUNCT
ajis02-278	3	14	effectiveness	effectiveness	NOUN
ajis02-278	3	15	and	and	CCONJ
ajis02-278	3	16	competitiveness	competitiveness	NOUN
ajis02-278	3	17	impacts	impact	NOUN
ajis02-278	3	18	.	.	PUNCT
ajis02-278	4	1	it	it	PRON
ajis02-278	4	2	appears	appear	VERB
ajis02-278	4	3	that	that	SCONJ
ajis02-278	4	4	bank	bank	NOUN
ajis02-278	4	5	managers	manager	NOUN
ajis02-278	4	6	may	may	AUX
ajis02-278	4	7	have	have	VERB
ajis02-278	4	8	difficulty	difficulty	NOUN
ajis02-278	4	9	in	in	ADP
ajis02-278	4	10	isolating	isolate	VERB
ajis02-278	4	11	the	the	DET
ajis02-278	4	12	impacts	impact	NOUN
ajis02-278	4	13	of	of	ADP
ajis02-278	4	14	eftpos	eftpos	NOUN
ajis02-278	4	15	on	on	ADP
ajis02-278	4	16	banking	banking	NOUN
ajis02-278	4	17	activities	activity	NOUN
ajis02-278	4	18	from	from	ADP
ajis02-278	4	19	concurrent	concurrent	ADJ
ajis02-278	4	20	changes	change	NOUN
ajis02-278	4	21	in	in	ADP
ajis02-278	4	22	banking	banking	NOUN
ajis02-278	4	23	practices	practice	NOUN
ajis02-278	4	24	and	and	CCONJ
ajis02-278	4	25	might	might	AUX
ajis02-278	4	26	overestimate	overestimate	VERB
ajis02-278	4	27	some	some	DET
ajis02-278	4	28	beneficial	beneficial	ADJ
ajis02-278	4	29	impacts	impact	NOUN
ajis02-278	4	30	.	.	PUNCT
ajis02-278	5	1	results	result	NOUN
ajis02-278	5	2	indicate	indicate	VERB
ajis02-278	5	3	a	a	DET
ajis02-278	5	4	much	much	ADV
ajis02-278	5	5	richer	rich	ADJ
ajis02-278	5	6	view	view	NOUN
ajis02-278	5	7	can	can	AUX
ajis02-278	5	8	be	be	AUX
ajis02-278	5	9	obtained	obtain	VERB
ajis02-278	5	10	using	use	VERB
ajis02-278	5	11	an	an	DET
ajis02-278	5	12	extraorganisational	extraorganisational	ADJ
ajis02-278	5	13	perspective	perspective	NOUN
ajis02-278	5	14	of	of	ADP
ajis02-278	5	15	a	a	DET
ajis02-278	5	16	systems	system	NOUN
ajis02-278	5	17	'	'	PART
ajis02-278	5	18	impacts	impact	NOUN
ajis02-278	5	19	.	.	PUNCT
ajis02-278	6	1	key	key	ADJ
ajis02-278	6	2	words	word	NOUN
ajis02-278	6	3	eftpos	eftpos	NOUN
ajis02-278	6	4	,	,	PUNCT
ajis02-278	6	5	impacts	impact	NOUN
ajis02-278	6	6	,	,	PUNCT
ajis02-278	6	7	branch	branch	NOUN
ajis02-278	6	8	banking	banking	NOUN
ajis02-278	6	9	,	,	PUNCT
ajis02-278	6	10	small	small	ADJ
ajis02-278	6	11	business	business	NOUN
ajis02-278	6	12	,	,	PUNCT
ajis02-278	6	13	extraorganisational	extraorganisational	ADJ
ajis02-278	6	14	perspective	perspective	NOUN
ajis02-278	6	15	introduction	introduction	NOUN
ajis02-278	6	16	this	this	DET
ajis02-278	6	17	study	study	NOUN
ajis02-278	6	18	investigates	investigate	VERB
ajis02-278	6	19	the	the	DET
ajis02-278	6	20	impact	impact	NOUN
ajis02-278	6	21	of	of	ADP
ajis02-278	6	22	the	the	DET
ajis02-278	6	23	electronic	electronic	ADJ
ajis02-278	6	24	funds	fund	NOUN
ajis02-278	6	25	transfer	transfer	NOUN
ajis02-278	6	26	at	at	ADP
ajis02-278	6	27	point	point	NOUN
ajis02-278	6	28	of	of	ADP
ajis02-278	6	29	sale	sale	NOUN
ajis02-278	6	30	(	(	PUNCT
ajis02-278	6	31	eftpos	eftpos	NOUN
ajis02-278	6	32	)	)	PUNCT
ajis02-278	6	33	system	system	NOUN
ajis02-278	6	34	on	on	ADP
ajis02-278	6	35	branch	branch	NOUN
ajis02-278	6	36	banking	banking	NOUN
ajis02-278	6	37	activities	activity	NOUN
ajis02-278	6	38	by	by	ADP
ajis02-278	6	39	considering	consider	VERB
ajis02-278	6	40	both	both	CCONJ
ajis02-278	6	41	the	the	DET
ajis02-278	6	42	banks	bank	NOUN
ajis02-278	6	43	'	'	PART
ajis02-278	6	44	and	and	CCONJ
ajis02-278	6	45	their	their	PRON
ajis02-278	6	46	merchant	merchant	NOUN
ajis02-278	6	47	customers	customer	NOUN
ajis02-278	6	48	'	'	PART
ajis02-278	6	49	perspectives	perspective	NOUN
ajis02-278	6	50	.	.	PUNCT
ajis02-278	7	1	the	the	DET
ajis02-278	7	2	results	result	NOUN
ajis02-278	7	3	,	,	PUNCT
ajis02-278	7	4	while	while	SCONJ
ajis02-278	7	5	based	base	VERB
ajis02-278	7	6	on	on	ADP
ajis02-278	7	7	australian	australian	ADJ
ajis02-278	7	8	data	datum	NOUN
ajis02-278	7	9	,	,	PUNCT
ajis02-278	7	10	have	have	VERB
ajis02-278	7	11	implications	implication	NOUN
ajis02-278	7	12	for	for	ADP
ajis02-278	7	13	similarly	similarly	ADV
ajis02-278	7	14	developing	develop	VERB
ajis02-278	7	15	systems	system	NOUN
ajis02-278	7	16	.	.	PUNCT
ajis02-278	8	1	the	the	DET
ajis02-278	8	2	approach	approach	NOUN
ajis02-278	8	3	used	use	VERB
ajis02-278	8	4	is	be	AUX
ajis02-278	8	5	potentially	potentially	ADV
ajis02-278	8	6	relevant	relevant	ADJ
ajis02-278	8	7	to	to	ADP
ajis02-278	8	8	studying	study	VERB
ajis02-278	8	9	the	the	DET
ajis02-278	8	10	impact	impact	NOUN
ajis02-278	8	11	of	of	ADP
ajis02-278	8	12	information	information	NOUN
ajis02-278	8	13	technology	technology	NOUN
ajis02-278	8	14	(	(	PUNCT
ajis02-278	8	15	it	it	PRON
ajis02-278	8	16	)	)	PUNCT
ajis02-278	8	17	on	on	ADP
ajis02-278	8	18	other	other	ADJ
ajis02-278	8	19	activities	activity	NOUN
ajis02-278	8	20	in	in	ADP
ajis02-278	8	21	other	other	ADJ
ajis02-278	8	22	contexts	contexts	NOUN
ajis02-278	8	23	.	.	PUNCT
ajis02-278	9	1	eftpos	eftpos	NOUN
ajis02-278	9	2	has	have	AUX
ajis02-278	9	3	become	become	VERB
ajis02-278	9	4	an	an	DET
ajis02-278	9	5	important	important	ADJ
ajis02-278	9	6	element	element	NOUN
ajis02-278	9	7	in	in	ADP
ajis02-278	9	8	consumer	consumer	NOUN
ajis02-278	9	9	markets	market	NOUN
ajis02-278	9	10	with	with	ADP
ajis02-278	9	11	potentially	potentially	ADV
ajis02-278	9	12	powerful	powerful	ADJ
ajis02-278	9	13	social	social	ADJ
ajis02-278	9	14	influences	influence	NOUN
ajis02-278	9	15	on	on	ADP
ajis02-278	9	16	how	how	SCONJ
ajis02-278	9	17	individuals	individual	NOUN
ajis02-278	9	18	and	and	CCONJ
ajis02-278	9	19	organisations	organisation	NOUN
ajis02-278	9	20	engage	engage	VERB
ajis02-278	9	21	in	in	ADP
ajis02-278	9	22	retail	retail	ADJ
ajis02-278	9	23	transactions	transaction	NOUN
ajis02-278	9	24	.	.	PUNCT
ajis02-278	10	1	australian	australian	ADJ
ajis02-278	10	2	banks	bank	NOUN
ajis02-278	10	3	have	have	AUX
ajis02-278	10	4	invested	invest	VERB
ajis02-278	10	5	heavily	heavily	ADV
ajis02-278	10	6	in	in	ADP
ajis02-278	10	7	eftpos	eftpos	NOUN
ajis02-278	10	8	with	with	ADP
ajis02-278	10	9	significant	significant	ADJ
ajis02-278	10	10	take	take	NOUN
ajis02-278	10	11	-	-	PUNCT
ajis02-278	10	12	up	up	NOUN
ajis02-278	10	13	by	by	ADP
ajis02-278	10	14	retail	retail	ADJ
ajis02-278	10	15	merchants	merchant	NOUN
ajis02-278	10	16	.	.	PUNCT
ajis02-278	11	1	individuals	individual	NOUN
ajis02-278	11	2	are	be	AUX
ajis02-278	11	3	increasingly	increasingly	ADV
ajis02-278	11	4	using	use	VERB
ajis02-278	11	5	the	the	DET
ajis02-278	11	6	system	system	NOUN
ajis02-278	11	7	for	for	ADP
ajis02-278	11	8	everyday	everyday	ADJ
ajis02-278	11	9	payment	payment	NOUN
ajis02-278	11	10	transactions	transaction	NOUN
ajis02-278	11	11	.	.	PUNCT
ajis02-278	12	1	the	the	DET
ajis02-278	12	2	system	system	NOUN
ajis02-278	12	3	is	be	AUX
ajis02-278	12	4	now	now	ADV
ajis02-278	12	5	regarded	regard	VERB
ajis02-278	12	6	as	as	ADP
ajis02-278	12	7	an	an	DET
ajis02-278	12	8	established	established	ADJ
ajis02-278	12	9	part	part	NOUN
ajis02-278	12	10	of	of	ADP
ajis02-278	12	11	retail	retail	ADJ
ajis02-278	12	12	banking	banking	NOUN
ajis02-278	12	13	(	(	PUNCT
ajis02-278	12	14	gart	gart	NOUN
ajis02-278	12	15	,	,	PUNCT
ajis02-278	12	16	1992	1992	NUM
ajis02-278	12	17	)	)	PUNCT
ajis02-278	12	18	with	with	ADP
ajis02-278	12	19	extensive	extensive	ADJ
ajis02-278	12	20	adoption	adoption	NOUN
ajis02-278	12	21	in	in	ADP
ajis02-278	12	22	australia.[4	australia.[4	NOUN
ajis02-278	12	23	]	]	PUNCT
ajis02-278	12	24	while	while	SCONJ
ajis02-278	12	25	some	some	DET
ajis02-278	12	26	authors	author	NOUN
ajis02-278	12	27	have	have	AUX
ajis02-278	12	28	speculated	speculate	VERB
ajis02-278	12	29	as	as	ADP
ajis02-278	12	30	to	to	ADP
ajis02-278	12	31	the	the	DET
ajis02-278	12	32	impact	impact	NOUN
ajis02-278	12	33	of	of	ADP
ajis02-278	12	34	eftpos	eftpos	NOUN
ajis02-278	12	35	on	on	ADP
ajis02-278	12	36	banking	banking	NOUN
ajis02-278	12	37	and	and	CCONJ
ajis02-278	12	38	users	user	NOUN
ajis02-278	12	39	(	(	PUNCT
ajis02-278	12	40	e.g.	e.g.	ADV
ajis02-278	12	41	barras	barra	NOUN
ajis02-278	12	42	,	,	PUNCT
ajis02-278	12	43	1991	1991	NUM
ajis02-278	12	44	;	;	PUNCT
ajis02-278	12	45	chorafas	chorafas	NOUN
ajis02-278	12	46	,	,	PUNCT
ajis02-278	12	47	1987	1987	NUM
ajis02-278	12	48	;	;	PUNCT
ajis02-278	12	49	clarke	clarke	PROPN
ajis02-278	12	50	and	and	CCONJ
ajis02-278	12	51	walters	walters	PROPN
ajis02-278	12	52	,	,	PUNCT
ajis02-278	12	53	1989	1989	NUM
ajis02-278	12	54	;	;	PUNCT
ajis02-278	12	55	.fraser	.fraser	NOUN
ajis02-278	12	56	,	,	PUNCT
ajis02-278	12	57	1985	1985	NUM
ajis02-278	12	58	)	)	PUNCT
ajis02-278	12	59	,	,	PUNCT
ajis02-278	12	60	there	there	PRON
ajis02-278	12	61	appears	appear	VERB
ajis02-278	12	62	to	to	PART
ajis02-278	12	63	have	have	AUX
ajis02-278	12	64	been	be	AUX
ajis02-278	12	65	little	little	ADJ
ajis02-278	12	66	empirical	empirical	ADJ
ajis02-278	12	67	investigation	investigation	NOUN
ajis02-278	12	68	of	of	ADP
ajis02-278	12	69	such	such	ADJ
ajis02-278	12	70	impacts	impact	NOUN
ajis02-278	12	71	in	in	ADP
ajis02-278	12	72	any	any	DET
ajis02-278	12	73	context	context	NOUN
ajis02-278	12	74	.	.	PUNCT
ajis02-278	13	1	such	such	ADJ
ajis02-278	13	2	empirical	empirical	ADJ
ajis02-278	13	3	work	work	NOUN
ajis02-278	13	4	is	be	AUX
ajis02-278	13	5	desirable	desirable	ADJ
ajis02-278	13	6	because	because	SCONJ
ajis02-278	13	7	of	of	ADP
ajis02-278	13	8	the	the	DET
ajis02-278	13	9	likely	likely	ADJ
ajis02-278	13	10	influence	influence	NOUN
ajis02-278	13	11	exerted	exert	VERB
ajis02-278	13	12	by	by	ADP
ajis02-278	13	13	the	the	DET
ajis02-278	13	14	technology	technology	NOUN
ajis02-278	13	15	on	on	ADP
ajis02-278	13	16	many	many	ADJ
ajis02-278	13	17	aspects	aspect	NOUN
ajis02-278	13	18	of	of	ADP
ajis02-278	13	19	retail	retail	ADJ
ajis02-278	13	20	banking	banking	NOUN
ajis02-278	13	21	and	and	CCONJ
ajis02-278	13	22	trading	trading	NOUN
ajis02-278	13	23	and	and	CCONJ
ajis02-278	13	24	the	the	DET
ajis02-278	13	25	absence	absence	NOUN
ajis02-278	13	26	of	of	ADP
ajis02-278	13	27	published	publish	VERB
ajis02-278	13	28	explicit	explicit	ADJ
ajis02-278	13	29	knowledge	knowledge	NOUN
ajis02-278	13	30	.	.	PUNCT
ajis02-278	14	1	in	in	ADP
ajis02-278	14	2	assessing	assess	VERB
ajis02-278	14	3	it	it	PRON
ajis02-278	14	4	impact	impact	NOUN
ajis02-278	14	5	,	,	PUNCT
ajis02-278	14	6	most	most	ADJ
ajis02-278	14	7	studies	study	NOUN
ajis02-278	14	8	are	be	AUX
ajis02-278	14	9	concerned	concern	VERB
ajis02-278	14	10	with	with	ADP
ajis02-278	14	11	changes	change	NOUN
ajis02-278	14	12	from	from	ADP
ajis02-278	14	13	an	an	DET
ajis02-278	14	14	internal	internal	ADJ
ajis02-278	14	15	perspective	perspective	NOUN
ajis02-278	14	16	and	and	CCONJ
ajis02-278	14	17	typically	typically	ADV
ajis02-278	14	18	focus	focus	VERB
ajis02-278	14	19	on	on	ADP
ajis02-278	14	20	aggregated	aggregated	ADJ
ajis02-278	14	21	financial	financial	ADJ
ajis02-278	14	22	outcomes	outcome	NOUN
ajis02-278	14	23	that	that	PRON
ajis02-278	14	24	relate	relate	VERB
ajis02-278	14	25	to	to	PART
ajis02-278	14	26	cost	cost	VERB
ajis02-278	14	27	or	or	CCONJ
ajis02-278	14	28	revenue	revenue	NOUN
ajis02-278	14	29	objectives	objective	NOUN
ajis02-278	14	30	for	for	ADP
ajis02-278	14	31	the	the	DET
ajis02-278	14	32	organisation	organisation	NOUN
ajis02-278	14	33	as	as	ADP
ajis02-278	14	34	a	a	DET
ajis02-278	14	35	whole	whole	ADJ
ajis02-278	14	36	(	(	PUNCT
ajis02-278	14	37	e.g.	e.g.	ADV
ajis02-278	14	38	alpar	alpar	PROPN
ajis02-278	14	39	and	and	CCONJ
ajis02-278	14	40	kim	kim	PROPN
ajis02-278	14	41	,	,	PUNCT
ajis02-278	14	42	1990	1990	NUM
ajis02-278	14	43	;	;	PUNCT
ajis02-278	14	44	harris	harris	PROPN
ajis02-278	14	45	and	and	CCONJ
ajis02-278	14	46	katz	katz	PROPN
ajis02-278	14	47	,	,	PUNCT
ajis02-278	14	48	1991	1991	NUM
ajis02-278	14	49	;	;	PUNCT
ajis02-278	14	50	mahmood	mahmood	PROPN
ajis02-278	14	51	and	and	CCONJ
ajis02-278	14	52	mann	mann	PROPN
ajis02-278	14	53	,	,	PUNCT
ajis02-278	14	54	1993	1993	NUM
ajis02-278	14	55	)	)	PUNCT
ajis02-278	14	56	.	.	PUNCT
ajis02-278	15	1	barua	barua	PROPN
ajis02-278	15	2	et	et	PROPN
ajis02-278	15	3	al	al	PROPN
ajis02-278	15	4	.	.	PROPN
ajis02-278	16	1	(	(	PUNCT
ajis02-278	16	2	1995	1995	NUM
ajis02-278	16	3	)	)	PUNCT
ajis02-278	16	4	criticise	criticise	VERB
ajis02-278	16	5	this	this	DET
ajis02-278	16	6	approach	approach	NOUN
ajis02-278	16	7	and	and	CCONJ
ajis02-278	16	8	propose	propose	VERB
ajis02-278	16	9	that	that	SCONJ
ajis02-278	16	10	a	a	DET
ajis02-278	16	11	more	more	ADV
ajis02-278	16	12	disaggregated	disaggregate	VERB
ajis02-278	16	13	approach	approach	NOUN
ajis02-278	16	14	be	be	AUX
ajis02-278	16	15	adopted	adopt	VERB
ajis02-278	16	16	.	.	PUNCT
ajis02-278	17	1	following	follow	VERB
ajis02-278	17	2	weil	weil	PROPN
ajis02-278	17	3	and	and	CCONJ
ajis02-278	17	4	olson	olson	NOUN
ajis02-278	17	5	(	(	PUNCT
ajis02-278	17	6	1989	1989	NUM
ajis02-278	17	7	)	)	PUNCT
ajis02-278	17	8	they	they	PRON
ajis02-278	17	9	canvas	canvas	VERB
ajis02-278	17	10	the	the	DET
ajis02-278	17	11	notion	notion	NOUN
ajis02-278	17	12	that	that	SCONJ
ajis02-278	17	13	impacts	impact	NOUN
ajis02-278	17	14	should	should	AUX
ajis02-278	17	15	be	be	AUX
ajis02-278	17	16	identified	identify	VERB
ajis02-278	17	17	at	at	ADP
ajis02-278	17	18	the	the	DET
ajis02-278	17	19	strategic	strategic	ADJ
ajis02-278	17	20	business	business	NOUN
ajis02-278	17	21	unit	unit	NOUN
ajis02-278	17	22	level	level	NOUN
ajis02-278	17	23	.	.	PUNCT
ajis02-278	18	1	this	this	PRON
ajis02-278	18	2	remains	remain	VERB
ajis02-278	18	3	an	an	DET
ajis02-278	18	4	introspective	introspective	ADJ
ajis02-278	18	5	(	(	PUNCT
ajis02-278	18	6	or	or	CCONJ
ajis02-278	18	7	intraorganisational	intraorganisational	ADJ
ajis02-278	18	8	)	)	PUNCT
ajis02-278	18	9	approach	approach	NOUN
ajis02-278	18	10	which	which	PRON
ajis02-278	18	11	still	still	ADV
ajis02-278	18	12	appears	appear	VERB
ajis02-278	18	13	inadequate	inadequate	ADJ
ajis02-278	18	14	when	when	SCONJ
ajis02-278	18	15	viewing	view	VERB
ajis02-278	18	16	a	a	DET
ajis02-278	18	17	system	system	NOUN
ajis02-278	18	18	that	that	PRON
ajis02-278	18	19	substantially	substantially	ADV
ajis02-278	18	20	interfaces	interface	VERB
ajis02-278	18	21	with	with	ADP
ajis02-278	18	22	external	external	ADJ
ajis02-278	18	23	parties	party	NOUN
ajis02-278	18	24	.	.	PUNCT
ajis02-278	19	1	in	in	ADP
ajis02-278	19	2	a	a	DET
ajis02-278	19	3	more	more	ADV
ajis02-278	19	4	general	general	ADJ
ajis02-278	19	5	context	context	NOUN
ajis02-278	19	6	of	of	ADP
ajis02-278	19	7	performance	performance	NOUN
ajis02-278	19	8	evaluation	evaluation	NOUN
ajis02-278	19	9	,	,	PUNCT
ajis02-278	19	10	kaplan	kaplan	PROPN
ajis02-278	19	11	and	and	CCONJ
ajis02-278	19	12	norton	norton	PROPN
ajis02-278	19	13	(	(	PUNCT
ajis02-278	19	14	1992	1992	NUM
ajis02-278	19	15	)	)	PUNCT
ajis02-278	19	16	propose	propose	VERB
ajis02-278	19	17	a	a	DET
ajis02-278	19	18	'	'	PUNCT
ajis02-278	19	19	balanced	balanced	ADJ
ajis02-278	19	20	score	score	NOUN
ajis02-278	19	21	-	-	PUNCT
ajis02-278	19	22	card	card	NOUN
ajis02-278	19	23	'	'	PUNCT
ajis02-278	19	24	approach	approach	NOUN
ajis02-278	19	25	that	that	PRON
ajis02-278	19	26	requires	require	VERB
ajis02-278	19	27	consideration	consideration	NOUN
ajis02-278	19	28	of	of	ADP
ajis02-278	19	29	customers	customer	NOUN
ajis02-278	19	30	'	'	PART
ajis02-278	19	31	perspectives	perspective	NOUN
ajis02-278	19	32	of	of	ADP
ajis02-278	19	33	service	service	NOUN
ajis02-278	19	34	or	or	CCONJ
ajis02-278	19	35	product	product	NOUN
ajis02-278	19	36	delivery	delivery	NOUN
ajis02-278	19	37	this	this	DET
ajis02-278	19	38	'	'	PUNCT
ajis02-278	19	39	extraorganisational	extraorganisational	ADJ
ajis02-278	19	40	'	'	PUNCT
ajis02-278	19	41	approach	approach	NOUN
ajis02-278	19	42	is	be	AUX
ajis02-278	19	43	also	also	ADV
ajis02-278	19	44	in	in	ADP
ajis02-278	19	45	sympathy	sympathy	NOUN
ajis02-278	19	46	with	with	ADP
ajis02-278	19	47	developments	development	NOUN
ajis02-278	19	48	in	in	ADP
ajis02-278	19	49	other	other	ADJ
ajis02-278	19	50	domains	domain	NOUN
ajis02-278	19	51	,	,	PUNCT
ajis02-278	19	52	such	such	ADJ
ajis02-278	19	53	as	as	ADP
ajis02-278	19	54	those	those	PRON
ajis02-278	19	55	dealing	deal	VERB
ajis02-278	19	56	with	with	ADP
ajis02-278	19	57	interorganisational	interorganisational	ADJ
ajis02-278	19	58	information	information	NOUN
ajis02-278	19	59	systems	system	NOUN
ajis02-278	19	60	(	(	PUNCT
ajis02-278	19	61	see	see	VERB
ajis02-278	19	62	gupta	gupta	PROPN
ajis02-278	19	63	,	,	PUNCT
ajis02-278	19	64	1995	1995	NUM
ajis02-278	19	65	;	;	PUNCT
ajis02-278	19	66	johnston	johnston	PROPN
ajis02-278	19	67	and	and	CCONJ
ajis02-278	19	68	vitale	vitale	PROPN
ajis02-278	19	69	,	,	PUNCT
ajis02-278	19	70	1988	1988	NUM
ajis02-278	19	71	;	;	PUNCT
ajis02-278	19	72	kumar	kumar	PROPN
ajis02-278	19	73	and	and	CCONJ
ajis02-278	19	74	van	van	PROPN
ajis02-278	19	75	dissel	dissel	PROPN
ajis02-278	19	76	,	,	PUNCT
ajis02-278	19	77	1996	1996	NUM
ajis02-278	19	78	)	)	PUNCT
ajis02-278	19	79	and	and	CCONJ
ajis02-278	19	80	those	those	PRON
ajis02-278	19	81	concerned	concern	VERB
ajis02-278	19	82	with	with	ADP
ajis02-278	19	83	environmental	environmental	ADJ
ajis02-278	19	84	impacts	impact	NOUN
ajis02-278	19	85	(	(	PUNCT
ajis02-278	19	86	see	see	VERB
ajis02-278	19	87	lederer	lederer	NOUN
ajis02-278	19	88	and	and	CCONJ
ajis02-278	19	89	mendelow	mendelow	NOUN
ajis02-278	19	90	,	,	PUNCT
ajis02-278	19	91	1990	1990	NUM
ajis02-278	19	92	)	)	PUNCT
ajis02-278	19	93	.	.	PUNCT
ajis02-278	20	1	in	in	ADP
ajis02-278	20	2	providing	provide	VERB
ajis02-278	20	3	eftpos	eftpos	NOUN
ajis02-278	20	4	,	,	PUNCT
ajis02-278	20	5	banks	bank	NOUN
ajis02-278	20	6	compete	compete	VERB
ajis02-278	20	7	at	at	ADP
ajis02-278	20	8	the	the	DET
ajis02-278	20	9	institutional	institutional	ADJ
ajis02-278	20	10	level	level	NOUN
ajis02-278	20	11	.	.	PUNCT
ajis02-278	21	1	a	a	DET
ajis02-278	21	2	substantial	substantial	ADJ
ajis02-278	21	3	proportion	proportion	NOUN
ajis02-278	21	4	of	of	ADP
ajis02-278	21	5	banks	bank	NOUN
ajis02-278	21	6	'	'	PART
ajis02-278	21	7	other	other	ADJ
ajis02-278	21	8	activities	activity	NOUN
ajis02-278	21	9	,	,	PUNCT
ajis02-278	21	10	such	such	ADJ
ajis02-278	21	11	as	as	ADP
ajis02-278	21	12	delivery	delivery	NOUN
ajis02-278	21	13	of	of	ADP
ajis02-278	21	14	the	the	DET
ajis02-278	21	15	traditional	traditional	ADJ
ajis02-278	21	16	retail	retail	ADJ
ajis02-278	21	17	banking	banking	NOUN
ajis02-278	21	18	products	product	NOUN
ajis02-278	21	19	and	and	CCONJ
ajis02-278	21	20	services	service	NOUN
ajis02-278	21	21	,	,	PUNCT
ajis02-278	21	22	occurs	occur	VERB
ajis02-278	21	23	primarily	primarily	ADV
ajis02-278	21	24	through	through	ADP
ajis02-278	21	25	branches	branch	NOUN
ajis02-278	21	26	.	.	PUNCT
ajis02-278	22	1	branch	branch	NOUN
ajis02-278	22	2	banking	banking	NOUN
ajis02-278	22	3	activities	activity	NOUN
ajis02-278	22	4	,	,	PUNCT
ajis02-278	22	5	therefore	therefore	ADV
ajis02-278	22	6	,	,	PUNCT
ajis02-278	22	7	is	be	AUX
ajis02-278	22	8	an	an	DET
ajis02-278	22	9	appropriate	appropriate	ADJ
ajis02-278	22	10	reference	reference	NOUN
ajis02-278	22	11	for	for	ADP
ajis02-278	22	12	the	the	DET
ajis02-278	22	13	sub	sub	ADJ
ajis02-278	22	14	-	-	ADJ
ajis02-278	22	15	unit	unit	ADJ
ajis02-278	22	16	approach	approach	NOUN
ajis02-278	22	17	for	for	ADP
ajis02-278	22	18	identifying	identify	VERB
ajis02-278	22	19	impacts	impact	NOUN
ajis02-278	22	20	,	,	PUNCT
ajis02-278	22	21	with	with	ADP
ajis02-278	22	22	customers	customer	NOUN
ajis02-278	22	23	for	for	ADP
ajis02-278	22	24	those	those	DET
ajis02-278	22	25	products	product	NOUN
ajis02-278	22	26	and	and	CCONJ
ajis02-278	22	27	services	service	NOUN
ajis02-278	22	28	providing	provide	VERB
ajis02-278	22	29	the	the	DET
ajis02-278	22	30	focus	focus	NOUN
ajis02-278	22	31	for	for	ADP
ajis02-278	22	32	the	the	DET
ajis02-278	22	33	extraorganisational	extraorganisational	ADJ
ajis02-278	22	34	perspective	perspective	NOUN
ajis02-278	22	35	.	.	PUNCT
ajis02-278	23	1	assuming	assume	VERB
ajis02-278	23	2	banks	bank	NOUN
ajis02-278	23	3	can	can	AUX
ajis02-278	23	4	more	more	ADV
ajis02-278	23	5	easily	easily	ADV
ajis02-278	23	6	identify	identify	VERB
ajis02-278	23	7	the	the	DET
ajis02-278	23	8	dollar	dollar	NOUN
ajis02-278	23	9	costs	cost	NOUN
ajis02-278	23	10	attributed	attribute	VERB
ajis02-278	23	11	to	to	ADP
ajis02-278	23	12	eftpos	eftpos	NOUN
ajis02-278	23	13	per	per	ADP
ajis02-278	23	14	se	se	X
ajis02-278	23	15	and	and	CCONJ
ajis02-278	23	16	the	the	DET
ajis02-278	23	17	revenues	revenue	NOUN
ajis02-278	23	18	flowing	flow	VERB
ajis02-278	23	19	from	from	ADP
ajis02-278	23	20	its	its	PRON
ajis02-278	23	21	adoption	adoption	NOUN
ajis02-278	23	22	,	,	PUNCT
ajis02-278	23	23	the	the	DET
ajis02-278	23	24	current	current	ADJ
ajis02-278	23	25	study	study	NOUN
ajis02-278	23	26	is	be	AUX
ajis02-278	23	27	restricted	restrict	VERB
ajis02-278	23	28	to	to	ADP
ajis02-278	23	29	looking	look	VERB
ajis02-278	23	30	only	only	ADV
ajis02-278	23	31	at	at	ADP
ajis02-278	23	32	the	the	DET
ajis02-278	23	33	juxtaposition	juxtaposition	NOUN
ajis02-278	23	34	of	of	ADP
ajis02-278	23	35	these	these	DET
ajis02-278	23	36	local	local	ADJ
ajis02-278	23	37	(	(	PUNCT
ajis02-278	23	38	branch	branch	NOUN
ajis02-278	23	39	level	level	NOUN
ajis02-278	23	40	)	)	PUNCT
ajis02-278	23	41	and	and	CCONJ
ajis02-278	23	42	extraorganisational	extraorganisational	ADJ
ajis02-278	23	43	(	(	PUNCT
ajis02-278	23	44	customer	customer	NOUN
ajis02-278	23	45	)	)	PUNCT
ajis02-278	23	46	perspectives	perspective	NOUN
ajis02-278	23	47	.	.	PUNCT
ajis02-278	24	1	while	while	SCONJ
ajis02-278	24	2	this	this	PRON
ajis02-278	24	3	is	be	AUX
ajis02-278	24	4	only	only	ADV
ajis02-278	24	5	an	an	DET
ajis02-278	24	6	intermediate	intermediate	ADJ
ajis02-278	24	7	phase	phase	NOUN
ajis02-278	24	8	of	of	ADP
ajis02-278	24	9	impact	impact	NOUN
ajis02-278	24	10	assessment	assessment	NOUN
ajis02-278	24	11	,	,	PUNCT
ajis02-278	24	12	it	it	PRON
ajis02-278	24	13	serves	serve	VERB
ajis02-278	24	14	to	to	PART
ajis02-278	24	15	provide	provide	VERB
ajis02-278	24	16	a	a	DET
ajis02-278	24	17	richer	rich	ADJ
ajis02-278	24	18	view	view	NOUN
ajis02-278	24	19	of	of	ADP
ajis02-278	24	20	impacts	impact	NOUN
ajis02-278	24	21	than	than	SCONJ
ajis02-278	24	22	if	if	SCONJ
ajis02-278	24	23	they	they	PRON
ajis02-278	24	24	are	be	AUX
ajis02-278	24	25	subsumed	subsume	VERB
ajis02-278	24	26	in	in	ADP
ajis02-278	24	27	the	the	DET
ajis02-278	24	28	effects	effect	NOUN
ajis02-278	24	29	of	of	ADP
ajis02-278	24	30	other	other	ADJ
ajis02-278	24	31	simultaneous	simultaneous	ADJ
ajis02-278	24	32	developments	development	NOUN
ajis02-278	24	33	(	(	PUNCT
ajis02-278	24	34	such	such	ADJ
ajis02-278	24	35	as	as	ADP
ajis02-278	24	36	organisational	organisational	ADJ
ajis02-278	24	37	restructuring	restructuring	NOUN
ajis02-278	24	38	and	and	CCONJ
ajis02-278	24	39	ongoing	ongoing	ADJ
ajis02-278	24	40	automation	automation	NOUN
ajis02-278	24	41	of	of	ADP
ajis02-278	24	42	transaction	transaction	NOUN
ajis02-278	24	43	processing	processing	NOUN
ajis02-278	24	44	)	)	PUNCT
ajis02-278	24	45	through	through	ADP
ajis02-278	24	46	aggregated	aggregate	VERB
ajis02-278	24	47	measures	measure	NOUN
ajis02-278	24	48	.	.	PUNCT
ajis02-278	25	1	the	the	DET
ajis02-278	25	2	kaplan	kaplan	PROPN
ajis02-278	25	3	and	and	CCONJ
ajis02-278	25	4	norton	norton	PROPN
ajis02-278	25	5	(	(	PUNCT
ajis02-278	25	6	1992	1992	NUM
ajis02-278	25	7	)	)	PUNCT
ajis02-278	25	8	approach	approach	NOUN
ajis02-278	25	9	of	of	ADP
ajis02-278	25	10	incorporating	incorporate	VERB
ajis02-278	25	11	customers	customer	NOUN
ajis02-278	25	12	'	'	PART
ajis02-278	25	13	perspectives	perspective	NOUN
ajis02-278	25	14	focuses	focus	VERB
ajis02-278	25	15	on	on	ADP
ajis02-278	25	16	the	the	DET
ajis02-278	25	17	nature	nature	NOUN
ajis02-278	25	18	and	and	CCONJ
ajis02-278	25	19	delivery	delivery	NOUN
ajis02-278	25	20	of	of	ADP
ajis02-278	25	21	the	the	DET
ajis02-278	25	22	product	product	NOUN
ajis02-278	25	23	.	.	PUNCT
ajis02-278	26	1	in	in	ADP
ajis02-278	26	2	the	the	DET
ajis02-278	26	3	context	context	NOUN
ajis02-278	26	4	of	of	ADP
ajis02-278	26	5	eftpos	eftpos	NOUN
ajis02-278	26	6	,	,	PUNCT
ajis02-278	26	7	the	the	DET
ajis02-278	26	8	primary	primary	ADJ
ajis02-278	26	9	product	product	NOUN
ajis02-278	26	10	is	be	AUX
ajis02-278	26	11	the	the	DET
ajis02-278	26	12	eftpos	eftpos	NOUN
ajis02-278	26	13	facility	facility	NOUN
ajis02-278	26	14	for	for	ADP
ajis02-278	26	15	engaging	engage	VERB
ajis02-278	26	16	in	in	ADP
ajis02-278	26	17	eftpos	eftpos	NOUN
ajis02-278	26	18	was	be	AUX
ajis02-278	26	19	introduced	introduce	VERB
ajis02-278	26	20	in	in	ADP
ajis02-278	26	21	australia	australia	PROPN
ajis02-278	26	22	in	in	ADP
ajis02-278	26	23	1984	1984	NUM
ajis02-278	26	24	although	although	SCONJ
ajis02-278	26	25	the	the	PRON
ajis02-278	26	26	take	take	VERB
ajis02-278	26	27	up	up	ADP
ajis02-278	26	28	rate	rate	NOUN
ajis02-278	26	29	by	by	ADP
ajis02-278	26	30	merchants	merchant	NOUN
ajis02-278	26	31	increased	increase	VERB
ajis02-278	26	32	significantly	significantly	ADV
ajis02-278	26	33	only	only	ADV
ajis02-278	26	34	after	after	ADP
ajis02-278	26	35	1990	1990	NUM
ajis02-278	26	36	.	.	PUNCT
ajis02-278	27	1	the	the	DET
ajis02-278	27	2	number	number	NOUN
ajis02-278	27	3	of	of	ADP
ajis02-278	27	4	eftpos	eftpos	NOUN
ajis02-278	27	5	terminals	terminal	NOUN
ajis02-278	27	6	installed	instal	VERB
ajis02-278	27	7	by	by	ADP
ajis02-278	27	8	merchants	merchant	NOUN
ajis02-278	27	9	grew	grow	VERB
ajis02-278	27	10	from	from	ADP
ajis02-278	27	11	26,314	26,314	NUM
ajis02-278	27	12	terminals	terminal	NOUN
ajis02-278	27	13	in	in	ADP
ajis02-278	27	14	1992	1992	NUM
ajis02-278	27	15	to	to	ADP
ajis02-278	27	16	116,704	116,704	NUM
ajis02-278	27	17	by	by	ADP
ajis02-278	27	18	the	the	DET
ajis02-278	27	19	end	end	NOUN
ajis02-278	27	20	of	of	ADP
ajis02-278	27	21	1996	1996	NUM
ajis02-278	27	22	.	.	PUNCT
ajis02-278	28	1	similarly	similarly	ADV
ajis02-278	28	2	,	,	PUNCT
ajis02-278	28	3	the	the	DET
ajis02-278	28	4	number	number	NOUN
ajis02-278	28	5	of	of	ADP
ajis02-278	28	6	eftpos	eftpos	NOUN
ajis02-278	28	7	transactions	transaction	NOUN
ajis02-278	28	8	increased	increase	VERB
ajis02-278	28	9	from	from	ADP
ajis02-278	28	10	129	129	NUM
ajis02-278	28	11	million	million	NUM
ajis02-278	28	12	in	in	ADP
ajis02-278	28	13	1991	1991	NUM
ajis02-278	28	14	-	-	SYM
ajis02-278	28	15	92	92	NUM
ajis02-278	28	16	to	to	PART
ajis02-278	28	17	470	470	NUM
ajis02-278	28	18	million	million	NUM
ajis02-278	28	19	in	in	ADP
ajis02-278	28	20	1995	1995	NUM
ajis02-278	28	21	-	-	SYM
ajis02-278	28	22	96	96	NUM
ajis02-278	28	23	(	(	PUNCT
ajis02-278	28	24	australian	australian	ADJ
ajis02-278	28	25	payment	payment	NOUN
ajis02-278	28	26	systems	system	NOUN
ajis02-278	28	27	council	council	PROPN
ajis02-278	28	28	,	,	PUNCT
ajis02-278	28	29	1993,1996	1993,1996	NUM
ajis02-278	28	30	)	)	PUNCT
ajis02-278	28	31	.	.	PUNCT
ajis02-278	29	1	70	70	NUM
ajis02-278	29	2	ajis	ajis	NOUN
ajis02-278	29	3	vol	vol	NOUN
ajis02-278	29	4	.	.	PROPN
ajis02-278	30	1	7	7	NUM
ajis02-278	30	2	,	,	PUNCT
ajis02-278	30	3	no	no	DET
ajis02-278	30	4	2	2	NUM
ajis02-278	30	5	may	may	PROPN
ajis02-278	30	6	2000	2000	NUM
ajis02-278	30	7	transactions	transaction	NOUN
ajis02-278	30	8	,	,	PUNCT
ajis02-278	30	9	not	not	PART
ajis02-278	30	10	the	the	DET
ajis02-278	30	11	transactions	transaction	NOUN
ajis02-278	30	12	per	per	ADP
ajis02-278	30	13	se	se	X
ajis02-278	30	14	.	.	PUNCT
ajis02-278	31	1	the	the	DET
ajis02-278	31	2	main	main	ADJ
ajis02-278	31	3	customer	customer	NOUN
ajis02-278	31	4	in	in	ADP
ajis02-278	31	5	this	this	DET
ajis02-278	31	6	regard	regard	NOUN
ajis02-278	31	7	is	be	AUX
ajis02-278	31	8	the	the	DET
ajis02-278	31	9	merchant	merchant	NOUN
ajis02-278	31	10	who	who	PRON
ajis02-278	31	11	has	have	AUX
ajis02-278	31	12	installed	instal	VERB
ajis02-278	31	13	eftpos	eftpos	NOUN
ajis02-278	31	14	,	,	PUNCT
ajis02-278	31	15	rather	rather	ADV
ajis02-278	31	16	than	than	ADP
ajis02-278	31	17	the	the	DET
ajis02-278	31	18	bank	bank	NOUN
ajis02-278	31	19	account	account	NOUN
ajis02-278	31	20	holder	holder	NOUN
ajis02-278	31	21	who	who	PRON
ajis02-278	31	22	uses	use	VERB
ajis02-278	31	23	a	a	DET
ajis02-278	31	24	debit	debit	NOUN
ajis02-278	31	25	card	card	NOUN
ajis02-278	31	26	for	for	ADP
ajis02-278	31	27	purchasing	purchase	VERB
ajis02-278	31	28	goods	good	NOUN
ajis02-278	31	29	and	and	CCONJ
ajis02-278	31	30	services	service	NOUN
ajis02-278	31	31	from	from	ADP
ajis02-278	31	32	merchants	merchant	NOUN
ajis02-278	31	33	using	use	VERB
ajis02-278	31	34	eftpos	eftpos	NOUN
ajis02-278	31	35	.	.	PUNCT
ajis02-278	32	1	note	note	VERB
ajis02-278	32	2	that	that	SCONJ
ajis02-278	32	3	merchants	merchant	NOUN
ajis02-278	32	4	need	need	AUX
ajis02-278	32	5	not	not	PART
ajis02-278	32	6	have	have	AUX
ajis02-278	32	7	acquired	acquire	VERB
ajis02-278	32	8	their	their	PRON
ajis02-278	32	9	eftpos	eftpos	NOUN
ajis02-278	32	10	facilities	facility	NOUN
ajis02-278	32	11	from	from	ADP
ajis02-278	32	12	the	the	DET
ajis02-278	32	13	bank	bank	NOUN
ajis02-278	32	14	with	with	ADP
ajis02-278	32	15	which	which	PRON
ajis02-278	32	16	they	they	PRON
ajis02-278	32	17	conduct	conduct	VERB
ajis02-278	32	18	their	their	PRON
ajis02-278	32	19	branch	branch	NOUN
ajis02-278	32	20	banking	banking	NOUN
ajis02-278	32	21	.	.	PUNCT
ajis02-278	33	1	eftpos	eftpos	NOUN
ajis02-278	33	2	nevertheless	nevertheless	ADV
ajis02-278	33	3	may	may	AUX
ajis02-278	33	4	have	have	AUX
ajis02-278	33	5	impacted	impact	VERB
ajis02-278	33	6	on	on	ADP
ajis02-278	33	7	branch	branch	NOUN
ajis02-278	33	8	banking	banking	NOUN
ajis02-278	33	9	activities	activity	NOUN
ajis02-278	33	10	as	as	ADP
ajis02-278	33	11	a	a	DET
ajis02-278	33	12	result	result	NOUN
ajis02-278	33	13	of	of	ADP
ajis02-278	33	14	changes	change	NOUN
ajis02-278	33	15	in	in	ADP
ajis02-278	33	16	both	both	DET
ajis02-278	33	17	bank	bank	NOUN
ajis02-278	33	18	processing	processing	NOUN
ajis02-278	33	19	of	of	ADP
ajis02-278	33	20	transactions	transaction	NOUN
ajis02-278	33	21	and	and	CCONJ
ajis02-278	33	22	the	the	DET
ajis02-278	33	23	substitution	substitution	NOUN
ajis02-278	33	24	of	of	ADP
ajis02-278	33	25	eftpos	eftpos	NOUN
ajis02-278	33	26	for	for	ADP
ajis02-278	33	27	other	other	ADJ
ajis02-278	33	28	types	type	NOUN
ajis02-278	33	29	of	of	ADP
ajis02-278	33	30	retail	retail	ADJ
ajis02-278	33	31	transactions	transaction	NOUN
ajis02-278	33	32	by	by	ADP
ajis02-278	33	33	merchants	merchant	NOUN
ajis02-278	33	34	.	.	PUNCT
ajis02-278	34	1	in	in	ADP
ajis02-278	34	2	particular	particular	ADJ
ajis02-278	34	3	,	,	PUNCT
ajis02-278	34	4	bank	bank	NOUN
ajis02-278	34	5	branches	branch	NOUN
ajis02-278	34	6	which	which	PRON
ajis02-278	34	7	previously	previously	ADV
ajis02-278	34	8	carried	carry	VERB
ajis02-278	34	9	a	a	DET
ajis02-278	34	10	substantial	substantial	ADJ
ajis02-278	34	11	burden	burden	NOUN
ajis02-278	34	12	of	of	ADP
ajis02-278	34	13	transaction	transaction	NOUN
ajis02-278	34	14	processing	processing	NOUN
ajis02-278	34	15	may	may	AUX
ajis02-278	34	16	have	have	AUX
ajis02-278	34	17	experienced	experience	VERB
ajis02-278	34	18	changes	change	NOUN
ajis02-278	34	19	in	in	ADP
ajis02-278	34	20	the	the	DET
ajis02-278	34	21	nature	nature	NOUN
ajis02-278	34	22	of	of	ADP
ajis02-278	34	23	their	their	PRON
ajis02-278	34	24	functions	function	NOUN
ajis02-278	34	25	and	and	CCONJ
ajis02-278	34	26	relationships	relationship	NOUN
ajis02-278	34	27	with	with	ADP
ajis02-278	34	28	customers	customer	NOUN
ajis02-278	34	29	.	.	PUNCT
ajis02-278	35	1	the	the	DET
ajis02-278	35	2	nature	nature	NOUN
ajis02-278	35	3	of	of	ADP
ajis02-278	35	4	impacts	impact	NOUN
ajis02-278	35	5	is	be	AUX
ajis02-278	35	6	outlined	outline	VERB
ajis02-278	35	7	in	in	ADP
ajis02-278	35	8	the	the	DET
ajis02-278	35	9	next	next	ADJ
ajis02-278	35	10	section	section	NOUN
ajis02-278	35	11	.	.	PUNCT
ajis02-278	36	1	issues	issue	NOUN
ajis02-278	36	2	in	in	ADP
ajis02-278	36	3	identifying	identify	VERB
ajis02-278	36	4	and	and	CCONJ
ajis02-278	36	5	measuring	measure	VERB
ajis02-278	36	6	eftpos	eftpos	NOUN
ajis02-278	36	7	impacts	impact	NOUN
ajis02-278	36	8	on	on	ADP
ajis02-278	36	9	branch	branch	NOUN
ajis02-278	36	10	banking	banking	NOUN
ajis02-278	36	11	activities	activity	NOUN
ajis02-278	36	12	are	be	AUX
ajis02-278	36	13	explored	explore	VERB
ajis02-278	36	14	in	in	ADP
ajis02-278	36	15	the	the	DET
ajis02-278	36	16	third	third	ADJ
ajis02-278	36	17	section	section	NOUN
ajis02-278	36	18	,	,	PUNCT
ajis02-278	36	19	followed	follow	VERB
ajis02-278	36	20	by	by	ADP
ajis02-278	36	21	a	a	DET
ajis02-278	36	22	description	description	NOUN
ajis02-278	36	23	of	of	ADP
ajis02-278	36	24	the	the	DET
ajis02-278	36	25	research	research	NOUN
ajis02-278	36	26	design	design	NOUN
ajis02-278	36	27	and	and	CCONJ
ajis02-278	36	28	data	datum	NOUN
ajis02-278	36	29	collection	collection	NOUN
ajis02-278	36	30	.	.	PUNCT
ajis02-278	37	1	the	the	DET
ajis02-278	37	2	analysis	analysis	NOUN
ajis02-278	37	3	is	be	AUX
ajis02-278	37	4	presented	present	VERB
ajis02-278	37	5	in	in	ADP
ajis02-278	37	6	the	the	DET
ajis02-278	37	7	fifth	fifth	ADJ
ajis02-278	37	8	section	section	NOUN
ajis02-278	37	9	while	while	SCONJ
ajis02-278	37	10	implications	implication	NOUN
ajis02-278	37	11	and	and	CCONJ
ajis02-278	37	12	limitations	limitation	NOUN
ajis02-278	37	13	are	be	AUX
ajis02-278	37	14	considered	consider	VERB
ajis02-278	37	15	in	in	ADP
ajis02-278	37	16	the	the	DET
ajis02-278	37	17	conclusion	conclusion	NOUN
ajis02-278	37	18	.	.	PUNCT
ajis02-278	38	1	impacts	impact	NOUN
ajis02-278	38	2	of	of	ADP
ajis02-278	38	3	eftpos	eftpos	NOUN
ajis02-278	38	4	the	the	DET
ajis02-278	38	5	nature	nature	NOUN
ajis02-278	38	6	of	of	ADP
ajis02-278	38	7	impacts	impact	NOUN
ajis02-278	38	8	of	of	ADP
ajis02-278	38	9	most	most	ADJ
ajis02-278	38	10	systems	system	NOUN
ajis02-278	38	11	are	be	AUX
ajis02-278	38	12	necessarily	necessarily	ADV
ajis02-278	38	13	complex	complex	ADJ
ajis02-278	38	14	,	,	PUNCT
ajis02-278	38	15	even	even	ADV
ajis02-278	38	16	at	at	ADP
ajis02-278	38	17	localised	localised	ADJ
ajis02-278	38	18	levels	level	NOUN
ajis02-278	38	19	.	.	PUNCT
ajis02-278	39	1	nonetheless	nonetheless	ADV
ajis02-278	39	2	,	,	PUNCT
ajis02-278	39	3	it	it	PRON
ajis02-278	39	4	is	be	AUX
ajis02-278	39	5	analytically	analytically	ADV
ajis02-278	39	6	convenient	convenient	ADJ
ajis02-278	39	7	to	to	PART
ajis02-278	39	8	label	label	VERB
ajis02-278	39	9	impacts	impact	NOUN
ajis02-278	39	10	according	accord	VERB
ajis02-278	39	11	to	to	ADP
ajis02-278	39	12	some	some	DET
ajis02-278	39	13	schema	schema	NOUN
ajis02-278	39	14	regardless	regardless	ADV
ajis02-278	39	15	of	of	ADP
ajis02-278	39	16	any	any	DET
ajis02-278	39	17	lack	lack	NOUN
ajis02-278	39	18	of	of	ADP
ajis02-278	39	19	exclusivity	exclusivity	NOUN
ajis02-278	39	20	.	.	PUNCT
ajis02-278	40	1	three	three	NUM
ajis02-278	40	2	popularly	popularly	ADV
ajis02-278	40	3	identified	identify	VERB
ajis02-278	40	4	labels	label	NOUN
ajis02-278	40	5	for	for	ADP
ajis02-278	40	6	impacts	impact	NOUN
ajis02-278	40	7	of	of	ADP
ajis02-278	40	8	it	it	PRON
ajis02-278	40	9	investment	investment	NOUN
ajis02-278	40	10	(	(	PUNCT
ajis02-278	40	11	see	see	INTJ
ajis02-278	40	12	earl	earl	PROPN
ajis02-278	40	13	,	,	PUNCT
ajis02-278	40	14	1989	1989	NUM
ajis02-278	40	15	among	among	ADP
ajis02-278	40	16	others	other	NOUN
ajis02-278	40	17	)	)	PUNCT
ajis02-278	40	18	are	be	AUX
ajis02-278	40	19	efficiency	efficiency	NOUN
ajis02-278	40	20	,	,	PUNCT
ajis02-278	40	21	effectiveness	effectiveness	NOUN
ajis02-278	40	22	and	and	CCONJ
ajis02-278	40	23	the	the	DET
ajis02-278	40	24	promotion	promotion	NOUN
ajis02-278	40	25	of	of	ADP
ajis02-278	40	26	competitiveness	competitiveness	NOUN
ajis02-278	40	27	.	.	PUNCT
ajis02-278	41	1	efficiency	efficiency	NOUN
ajis02-278	41	2	refers	refer	VERB
ajis02-278	41	3	to	to	ADP
ajis02-278	41	4	resource	resource	NOUN
ajis02-278	41	5	utilisation	utilisation	NOUN
ajis02-278	41	6	within	within	ADP
ajis02-278	41	7	a	a	DET
ajis02-278	41	8	particular	particular	ADJ
ajis02-278	41	9	it	it	PRON
ajis02-278	41	10	application	application	NOUN
ajis02-278	41	11	(	(	PUNCT
ajis02-278	41	12	earl	earl	PROPN
ajis02-278	41	13	,	,	PUNCT
ajis02-278	41	14	1989	1989	NUM
ajis02-278	41	15	)	)	PUNCT
ajis02-278	41	16	at	at	ADP
ajis02-278	41	17	the	the	DET
ajis02-278	41	18	operational	operational	ADJ
ajis02-278	41	19	level	level	NOUN
ajis02-278	41	20	of	of	ADP
ajis02-278	41	21	an	an	DET
ajis02-278	41	22	organisation	organisation	NOUN
ajis02-278	41	23	(	(	PUNCT
ajis02-278	41	24	singleton	singleton	PROPN
ajis02-278	41	25	et	et	PROPN
ajis02-278	41	26	al	al	PROPN
ajis02-278	41	27	.	.	PROPN
ajis02-278	41	28	,	,	PUNCT
ajis02-278	41	29	1994	1994	NUM
ajis02-278	41	30	)	)	PUNCT
ajis02-278	41	31	.	.	PUNCT
ajis02-278	42	1	efficiency	efficiency	NOUN
ajis02-278	42	2	is	be	AUX
ajis02-278	42	3	generally	generally	ADV
ajis02-278	42	4	associated	associate	VERB
ajis02-278	42	5	with	with	ADP
ajis02-278	42	6	cost	cost	NOUN
ajis02-278	42	7	,	,	PUNCT
ajis02-278	42	8	accuracy	accuracy	NOUN
ajis02-278	42	9	and	and	CCONJ
ajis02-278	42	10	timeliness	timeliness	NOUN
ajis02-278	42	11	(	(	PUNCT
ajis02-278	42	12	mahmood	mahmood	PROPN
ajis02-278	42	13	,	,	PUNCT
ajis02-278	42	14	1994	1994	NUM
ajis02-278	42	15	)	)	PUNCT
ajis02-278	42	16	.	.	PUNCT
ajis02-278	43	1	effectiveness	effectiveness	NOUN
ajis02-278	43	2	refers	refer	VERB
ajis02-278	43	3	achievement	achievement	NOUN
ajis02-278	43	4	of	of	ADP
ajis02-278	43	5	organisations	organisation	NOUN
ajis02-278	43	6	'	'	PART
ajis02-278	43	7	goals	goal	NOUN
ajis02-278	43	8	(	(	PUNCT
ajis02-278	43	9	earl	earl	PROPN
ajis02-278	43	10	,	,	PUNCT
ajis02-278	43	11	1989	1989	NUM
ajis02-278	43	12	)	)	PUNCT
ajis02-278	43	13	typically	typically	ADV
ajis02-278	43	14	it	it	PRON
ajis02-278	43	15	describes	describe	VERB
ajis02-278	43	16	the	the	DET
ajis02-278	43	17	extent	extent	NOUN
ajis02-278	43	18	to	to	PART
ajis02-278	43	19	which	which	PRON
ajis02-278	43	20	it	it	PRON
ajis02-278	43	21	applications	application	NOUN
ajis02-278	43	22	achieve	achieve	VERB
ajis02-278	43	23	business	business	NOUN
ajis02-278	43	24	objectives	objective	NOUN
ajis02-278	43	25	(	(	PUNCT
ajis02-278	43	26	srinivasan,1985	srinivasan,1985	ADJ
ajis02-278	43	27	;	;	PUNCT
ajis02-278	43	28	lyytinen	lyytinen	PROPN
ajis02-278	43	29	et	et	NOUN
ajis02-278	43	30	a/.	a/.	PROPN
ajis02-278	43	31	,	,	PUNCT
ajis02-278	43	32	1991	1991	NUM
ajis02-278	43	33	;	;	PUNCT
ajis02-278	43	34	haga	haga	NOUN
ajis02-278	43	35	and	and	CCONJ
ajis02-278	43	36	zviran,1994	zviran,1994	ADJ
ajis02-278	43	37	)	)	PUNCT
ajis02-278	43	38	.	.	PUNCT
ajis02-278	44	1	promotion	promotion	NOUN
ajis02-278	44	2	of	of	ADP
ajis02-278	44	3	competitiveness	competitiveness	NOUN
ajis02-278	44	4	refers	refer	VERB
ajis02-278	44	5	to	to	ADP
ajis02-278	44	6	the	the	DET
ajis02-278	44	7	use	use	NOUN
ajis02-278	44	8	of	of	ADP
ajis02-278	44	9	it	it	PRON
ajis02-278	44	10	to	to	PART
ajis02-278	44	11	respond	respond	VERB
ajis02-278	44	12	to	to	ADP
ajis02-278	44	13	the	the	DET
ajis02-278	44	14	changing	change	VERB
ajis02-278	44	15	nature	nature	NOUN
ajis02-278	44	16	of	of	ADP
ajis02-278	44	17	the	the	DET
ajis02-278	44	18	business	business	NOUN
ajis02-278	44	19	environment	environment	NOUN
ajis02-278	44	20	(	(	PUNCT
ajis02-278	44	21	earl	earl	PROPN
ajis02-278	44	22	,	,	PUNCT
ajis02-278	44	23	1989	1989	NUM
ajis02-278	44	24	)	)	PUNCT
ajis02-278	44	25	.	.	PUNCT
ajis02-278	45	1	competitiveness	competitiveness	NOUN
ajis02-278	45	2	is	be	AUX
ajis02-278	45	3	also	also	ADV
ajis02-278	45	4	described	describe	VERB
ajis02-278	45	5	as	as	ADP
ajis02-278	45	6	arising	arise	VERB
ajis02-278	45	7	from	from	ADP
ajis02-278	45	8	efficiency	efficiency	NOUN
ajis02-278	45	9	and	and	CCONJ
ajis02-278	45	10	effectiveness	effectiveness	NOUN
ajis02-278	45	11	(	(	PUNCT
ajis02-278	45	12	galliers	gallier	NOUN
ajis02-278	45	13	,	,	PUNCT
ajis02-278	45	14	1993	1993	NUM
ajis02-278	45	15	)	)	PUNCT
ajis02-278	45	16	.	.	PUNCT
ajis02-278	46	1	this	this	DET
ajis02-278	46	2	latter	latter	ADJ
ajis02-278	46	3	perspective	perspective	NOUN
ajis02-278	46	4	seems	seem	VERB
ajis02-278	46	5	more	more	ADJ
ajis02-278	46	6	salient	salient	NOUN
ajis02-278	46	7	in	in	ADP
ajis02-278	46	8	the	the	DET
ajis02-278	46	9	case	case	NOUN
ajis02-278	46	10	of	of	ADP
ajis02-278	46	11	eftpos	eftpos	NOUN
ajis02-278	46	12	and	and	CCONJ
ajis02-278	46	13	banking	banking	NOUN
ajis02-278	46	14	particularly	particularly	ADV
ajis02-278	46	15	in	in	ADP
ajis02-278	46	16	the	the	DET
ajis02-278	46	17	context	context	NOUN
ajis02-278	46	18	of	of	ADP
ajis02-278	46	19	extraorganisational	extraorganisational	ADJ
ajis02-278	46	20	impacts	impact	NOUN
ajis02-278	46	21	.	.	PUNCT
ajis02-278	47	1	this	this	PRON
ajis02-278	47	2	is	be	AUX
ajis02-278	47	3	explored	explore	VERB
ajis02-278	47	4	further	far	ADV
ajis02-278	47	5	within	within	ADP
ajis02-278	47	6	the	the	DET
ajis02-278	47	7	empirical	empirical	ADJ
ajis02-278	47	8	analysis	analysis	NOUN
ajis02-278	47	9	.	.	PUNCT
ajis02-278	48	1	use	use	NOUN
ajis02-278	48	2	of	of	ADP
ajis02-278	48	3	these	these	DET
ajis02-278	48	4	labels	label	NOUN
ajis02-278	48	5	to	to	PART
ajis02-278	48	6	aid	aid	VERB
ajis02-278	48	7	interpretation	interpretation	NOUN
ajis02-278	48	8	of	of	ADP
ajis02-278	48	9	changes	change	NOUN
ajis02-278	48	10	wrought	work	VERB
ajis02-278	48	11	by	by	ADP
ajis02-278	48	12	it	it	PRON
ajis02-278	48	13	developments	development	NOUN
ajis02-278	48	14	must	must	AUX
ajis02-278	48	15	recognise	recognise	VERB
ajis02-278	48	16	that	that	SCONJ
ajis02-278	48	17	some	some	DET
ajis02-278	48	18	impacts	impact	NOUN
ajis02-278	48	19	will	will	AUX
ajis02-278	48	20	have	have	VERB
ajis02-278	48	21	multiple	multiple	ADJ
ajis02-278	48	22	connotations	connotation	NOUN
ajis02-278	48	23	for	for	ADP
ajis02-278	48	24	efficiency	efficiency	NOUN
ajis02-278	48	25	,	,	PUNCT
ajis02-278	48	26	effectiveness	effectiveness	NOUN
ajis02-278	48	27	and	and	CCONJ
ajis02-278	48	28	promoting	promote	VERB
ajis02-278	48	29	competitiveness	competitiveness	NOUN
ajis02-278	48	30	.	.	PUNCT
ajis02-278	49	1	impacts	impact	NOUN
ajis02-278	49	2	on	on	ADP
ajis02-278	49	3	bank	bank	NOUN
ajis02-278	49	4	branch	branch	NOUN
ajis02-278	49	5	activities	activity	NOUN
ajis02-278	49	6	branch	branch	NOUN
ajis02-278	49	7	banking	banking	NOUN
ajis02-278	49	8	is	be	AUX
ajis02-278	49	9	the	the	DET
ajis02-278	49	10	quintessential	quintessential	ADJ
ajis02-278	49	11	interface	interface	NOUN
ajis02-278	49	12	between	between	ADP
ajis02-278	49	13	banks	bank	NOUN
ajis02-278	49	14	and	and	CCONJ
ajis02-278	49	15	their	their	PRON
ajis02-278	49	16	retail	retail	ADJ
ajis02-278	49	17	customers	customer	NOUN
ajis02-278	49	18	.	.	PUNCT
ajis02-278	50	1	the	the	DET
ajis02-278	50	2	principal	principal	ADJ
ajis02-278	50	3	branch	branch	NOUN
ajis02-278	50	4	functions	function	NOUN
ajis02-278	50	5	in	in	ADP
ajis02-278	50	6	this	this	DET
ajis02-278	50	7	regard	regard	NOUN
ajis02-278	50	8	are	be	AUX
ajis02-278	50	9	the	the	DET
ajis02-278	50	10	delivery	delivery	NOUN
ajis02-278	50	11	of	of	ADP
ajis02-278	50	12	identifiable	identifiable	ADJ
ajis02-278	50	13	products	product	NOUN
ajis02-278	50	14	and	and	CCONJ
ajis02-278	50	15	services	service	NOUN
ajis02-278	50	16	and	and	CCONJ
ajis02-278	50	17	ongoing	ongoing	ADJ
ajis02-278	50	18	interaction	interaction	NOUN
ajis02-278	50	19	with	with	ADP
ajis02-278	50	20	customers	customer	NOUN
ajis02-278	50	21	.	.	PUNCT
ajis02-278	51	1	branch	branch	NOUN
ajis02-278	51	2	level	level	NOUN
ajis02-278	51	3	impacts	impact	NOUN
ajis02-278	51	4	of	of	ADP
ajis02-278	51	5	eftpos	eftpos	NOUN
ajis02-278	51	6	should	should	AUX
ajis02-278	51	7	be	be	AUX
ajis02-278	51	8	identifiable	identifiable	ADJ
ajis02-278	51	9	by	by	ADP
ajis02-278	51	10	reference	reference	NOUN
ajis02-278	51	11	to	to	ADP
ajis02-278	51	12	activities	activity	NOUN
ajis02-278	51	13	associated	associate	VERB
ajis02-278	51	14	with	with	ADP
ajis02-278	51	15	these	these	DET
ajis02-278	51	16	functions	function	NOUN
ajis02-278	51	17	.	.	PUNCT
ajis02-278	52	1	the	the	DET
ajis02-278	52	2	literature	literature	NOUN
ajis02-278	52	3	already	already	ADV
ajis02-278	52	4	offers	offer	VERB
ajis02-278	52	5	some	some	DET
ajis02-278	52	6	speculation	speculation	NOUN
ajis02-278	52	7	and	and	CCONJ
ajis02-278	52	8	evidence	evidence	NOUN
ajis02-278	52	9	as	as	ADP
ajis02-278	52	10	to	to	ADP
ajis02-278	52	11	the	the	DET
ajis02-278	52	12	nature	nature	NOUN
ajis02-278	52	13	of	of	ADP
ajis02-278	52	14	such	such	ADJ
ajis02-278	52	15	impacts	impact	NOUN
ajis02-278	52	16	.	.	PUNCT
ajis02-278	53	1	there	there	PRON
ajis02-278	53	2	is	be	VERB
ajis02-278	53	3	some	some	DET
ajis02-278	53	4	suggestion	suggestion	NOUN
ajis02-278	53	5	in	in	ADP
ajis02-278	53	6	fraser	fraser	PROPN
ajis02-278	53	7	(	(	PUNCT
ajis02-278	53	8	1985	1985	NUM
ajis02-278	53	9	)	)	PUNCT
ajis02-278	53	10	and	and	CCONJ
ajis02-278	53	11	chorafas	chorafas	NOUN
ajis02-278	53	12	(	(	PUNCT
ajis02-278	53	13	1987	1987	NUM
ajis02-278	53	14	)	)	PUNCT
ajis02-278	53	15	that	that	SCONJ
ajis02-278	53	16	the	the	DET
ajis02-278	53	17	spread	spread	NOUN
ajis02-278	53	18	of	of	ADP
ajis02-278	53	19	the	the	DET
ajis02-278	53	20	eftpos	eftpos	NOUN
ajis02-278	53	21	system	system	NOUN
ajis02-278	53	22	was	be	AUX
ajis02-278	53	23	expected	expect	VERB
ajis02-278	53	24	to	to	PART
ajis02-278	53	25	significantly	significantly	ADV
ajis02-278	53	26	reduce	reduce	VERB
ajis02-278	53	27	the	the	DET
ajis02-278	53	28	paperwork	paperwork	NOUN
ajis02-278	53	29	involved	involve	VERB
ajis02-278	53	30	in	in	ADP
ajis02-278	53	31	cash	cash	NOUN
ajis02-278	53	32	and	and	CCONJ
ajis02-278	53	33	paper	paper	NOUN
ajis02-278	53	34	-	-	PUNCT
ajis02-278	53	35	based	base	VERB
ajis02-278	53	36	payments	payment	NOUN
ajis02-278	53	37	.	.	PUNCT
ajis02-278	54	1	removing	remove	VERB
ajis02-278	54	2	clerical	clerical	ADJ
ajis02-278	54	3	aspects	aspect	NOUN
ajis02-278	54	4	of	of	ADP
ajis02-278	54	5	transaction	transaction	NOUN
ajis02-278	54	6	processing	processing	NOUN
ajis02-278	54	7	from	from	ADP
ajis02-278	54	8	banks	bank	NOUN
ajis02-278	54	9	'	'	PART
ajis02-278	54	10	branch	branch	NOUN
ajis02-278	54	11	activities	activity	NOUN
ajis02-278	54	12	should	should	AUX
ajis02-278	54	13	affect	affect	VERB
ajis02-278	54	14	timeliness	timeliness	NOUN
ajis02-278	54	15	and	and	CCONJ
ajis02-278	54	16	accuracy	accuracy	NOUN
ajis02-278	54	17	of	of	ADP
ajis02-278	54	18	payment	payment	NOUN
ajis02-278	54	19	transactions	transaction	NOUN
ajis02-278	54	20	(	(	PUNCT
ajis02-278	54	21	following	follow	VERB
ajis02-278	54	22	mahmood	mahmood	PROPN
ajis02-278	54	23	,	,	PUNCT
ajis02-278	54	24	1994	1994	NUM
ajis02-278	54	25	)	)	PUNCT
ajis02-278	54	26	.	.	PUNCT
ajis02-278	55	1	two	two	NUM
ajis02-278	55	2	possible	possible	ADJ
ajis02-278	55	3	consequences	consequence	NOUN
ajis02-278	55	4	for	for	ADP
ajis02-278	55	5	branches	branch	NOUN
ajis02-278	55	6	of	of	ADP
ajis02-278	55	7	this	this	DET
ajis02-278	55	8	change	change	NOUN
ajis02-278	55	9	are	be	AUX
ajis02-278	55	10	reduced	reduce	VERB
ajis02-278	55	11	staff	staff	NOUN
ajis02-278	55	12	numbers	number	NOUN
ajis02-278	55	13	and	and	CCONJ
ajis02-278	55	14	increased	increase	VERB
ajis02-278	55	15	staff	staff	NOUN
ajis02-278	55	16	activities	activity	NOUN
ajis02-278	55	17	in	in	ADP
ajis02-278	55	18	improving	improve	VERB
ajis02-278	55	19	customer	customer	NOUN
ajis02-278	55	20	service	service	NOUN
ajis02-278	55	21	and	and	CCONJ
ajis02-278	55	22	promoting	promote	VERB
ajis02-278	55	23	other	other	ADJ
ajis02-278	55	24	banking	banking	NOUN
ajis02-278	55	25	products	product	NOUN
ajis02-278	55	26	.	.	PUNCT
ajis02-278	56	1	barras	barras	PROPN
ajis02-278	56	2	(	(	PUNCT
ajis02-278	56	3	1991	1991	NUM
ajis02-278	56	4	)	)	PUNCT
ajis02-278	56	5	reports	report	VERB
ajis02-278	56	6	reduced	reduce	VERB
ajis02-278	56	7	demand	demand	NOUN
ajis02-278	56	8	for	for	ADP
ajis02-278	56	9	clerical	clerical	ADJ
ajis02-278	56	10	staff	staff	NOUN
ajis02-278	56	11	that	that	PRON
ajis02-278	56	12	had	have	AUX
ajis02-278	56	13	previously	previously	ADV
ajis02-278	56	14	undertaken	undertake	VERB
ajis02-278	56	15	these	these	DET
ajis02-278	56	16	tasks	task	NOUN
ajis02-278	56	17	.	.	PUNCT
ajis02-278	57	1	this	this	PRON
ajis02-278	57	2	,	,	PUNCT
ajis02-278	57	3	however	however	ADV
ajis02-278	57	4	,	,	PUNCT
ajis02-278	57	5	does	do	AUX
ajis02-278	57	6	not	not	PART
ajis02-278	57	7	negate	negate	VERB
ajis02-278	57	8	the	the	DET
ajis02-278	57	9	possibility	possibility	NOUN
ajis02-278	57	10	of	of	ADP
ajis02-278	57	11	changes	change	NOUN
ajis02-278	57	12	in	in	ADP
ajis02-278	57	13	staff	staff	NOUN
ajis02-278	57	14	activities	activity	NOUN
ajis02-278	57	15	.	.	PUNCT
ajis02-278	58	1	increased	increase	VERB
ajis02-278	58	2	staff	staff	NOUN
ajis02-278	58	3	activity	activity	NOUN
ajis02-278	58	4	in	in	ADP
ajis02-278	58	5	promoting	promote	VERB
ajis02-278	58	6	bank	bank	NOUN
ajis02-278	58	7	products	product	NOUN
ajis02-278	58	8	may	may	AUX
ajis02-278	58	9	involve	involve	VERB
ajis02-278	58	10	extending	extend	VERB
ajis02-278	58	11	the	the	DET
ajis02-278	58	12	skills	skill	NOUN
ajis02-278	58	13	of	of	ADP
ajis02-278	58	14	individual	individual	ADJ
ajis02-278	58	15	staff	staff	NOUN
ajis02-278	58	16	and	and	CCONJ
ajis02-278	58	17	the	the	DET
ajis02-278	58	18	introduction	introduction	NOUN
ajis02-278	58	19	of	of	ADP
ajis02-278	58	20	additional	additional	ADJ
ajis02-278	58	21	products	product	NOUN
ajis02-278	58	22	or	or	CCONJ
ajis02-278	58	23	services	service	NOUN
ajis02-278	58	24	through	through	ADP
ajis02-278	58	25	the	the	DET
ajis02-278	58	26	branch	branch	NOUN
ajis02-278	58	27	.	.	PUNCT
ajis02-278	59	1	if	if	SCONJ
ajis02-278	59	2	staff	staff	NOUN
ajis02-278	59	3	are	be	AUX
ajis02-278	59	4	successful	successful	ADJ
ajis02-278	59	5	in	in	ADP
ajis02-278	59	6	this	this	DET
ajis02-278	59	7	regard	regard	NOUN
ajis02-278	59	8	,	,	PUNCT
ajis02-278	59	9	there	there	PRON
ajis02-278	59	10	should	should	AUX
ajis02-278	59	11	be	be	AUX
ajis02-278	59	12	an	an	DET
ajis02-278	59	13	identifiable	identifiable	ADJ
ajis02-278	59	14	impact	impact	NOUN
ajis02-278	59	15	in	in	ADP
ajis02-278	59	16	the	the	DET
ajis02-278	59	17	form	form	NOUN
ajis02-278	59	18	of	of	ADP
ajis02-278	59	19	increased	increase	VERB
ajis02-278	59	20	business	business	NOUN
ajis02-278	59	21	from	from	ADP
ajis02-278	59	22	existing	exist	VERB
ajis02-278	59	23	customers	customer	NOUN
ajis02-278	59	24	.	.	PUNCT
ajis02-278	60	1	the	the	DET
ajis02-278	60	2	provision	provision	NOUN
ajis02-278	60	3	of	of	ADP
ajis02-278	60	4	centralised	centralised	ADJ
ajis02-278	60	5	telephone	telephone	NOUN
ajis02-278	60	6	assistance	assistance	NOUN
ajis02-278	60	7	for	for	ADP
ajis02-278	60	8	eftpos	eftpos	NOUN
ajis02-278	60	9	and	and	CCONJ
ajis02-278	60	10	access	access	NOUN
ajis02-278	60	11	to	to	ADP
ajis02-278	60	12	account	account	NOUN
ajis02-278	60	13	balances	balance	NOUN
ajis02-278	60	14	combined	combine	VERB
ajis02-278	60	15	with	with	ADP
ajis02-278	60	16	reduced	reduced	ADJ
ajis02-278	60	17	cash	cash	NOUN
ajis02-278	60	18	and	and	CCONJ
ajis02-278	60	19	paper	paper	NOUN
ajis02-278	60	20	-	-	PUNCT
ajis02-278	60	21	based	base	VERB
ajis02-278	60	22	transaction	transaction	NOUN
ajis02-278	60	23	volumes	volume	NOUN
ajis02-278	60	24	may	may	AUX
ajis02-278	60	25	impact	impact	VERB
ajis02-278	60	26	on	on	ADP
ajis02-278	60	27	merchants	merchant	NOUN
ajis02-278	60	28	'	'	PART
ajis02-278	60	29	banking	banking	NOUN
ajis02-278	60	30	practices	practice	NOUN
ajis02-278	60	31	by	by	ADP
ajis02-278	60	32	changing	change	VERB
ajis02-278	60	33	the	the	DET
ajis02-278	60	34	nature	nature	NOUN
ajis02-278	60	35	and	and	CCONJ
ajis02-278	60	36	extent	extent	NOUN
ajis02-278	60	37	of	of	ADP
ajis02-278	60	38	contact	contact	NOUN
ajis02-278	60	39	with	with	ADP
ajis02-278	60	40	bank	bank	NOUN
ajis02-278	60	41	branches	branch	NOUN
ajis02-278	60	42	.	.	PUNCT
ajis02-278	61	1	for	for	ADP
ajis02-278	61	2	example	example	NOUN
ajis02-278	61	3	,	,	PUNCT
ajis02-278	61	4	clarke	clarke	PROPN
ajis02-278	61	5	and	and	CCONJ
ajis02-278	61	6	walters	walters	PROPN
ajis02-278	61	7	'	'	PART
ajis02-278	61	8	(	(	PUNCT
ajis02-278	61	9	1989	1989	NUM
ajis02-278	61	10	)	)	PUNCT
ajis02-278	61	11	suggestion	suggestion	NOUN
ajis02-278	61	12	that	that	SCONJ
ajis02-278	61	13	merchants	merchant	NOUN
ajis02-278	61	14	may	may	AUX
ajis02-278	61	15	benefit	benefit	VERB
ajis02-278	61	16	by	by	ADP
ajis02-278	61	17	reducing	reduce	VERB
ajis02-278	61	18	their	their	PRON
ajis02-278	61	19	costs	cost	NOUN
ajis02-278	61	20	of	of	ADP
ajis02-278	61	21	holding	hold	VERB
ajis02-278	61	22	and	and	CCONJ
ajis02-278	61	23	transferring	transfer	VERB
ajis02-278	61	24	large	large	ADJ
ajis02-278	61	25	amounts	amount	NOUN
ajis02-278	61	26	of	of	ADP
ajis02-278	61	27	cash	cash	NOUN
ajis02-278	61	28	to	to	ADP
ajis02-278	61	29	banks	bank	NOUN
ajis02-278	61	30	also	also	ADV
ajis02-278	61	31	implies	imply	VERB
ajis02-278	61	32	reduced	reduce	VERB
ajis02-278	61	33	merchant	merchant	NOUN
ajis02-278	61	34	contact	contact	NOUN
ajis02-278	61	35	with	with	ADP
ajis02-278	61	36	the	the	DET
ajis02-278	61	37	bank	bank	NOUN
ajis02-278	61	38	.	.	PUNCT
ajis02-278	62	1	this	this	PRON
ajis02-278	62	2	may	may	AUX
ajis02-278	62	3	conflict	conflict	VERB
ajis02-278	62	4	with	with	ADP
ajis02-278	62	5	the	the	DET
ajis02-278	62	6	possible	possible	ADJ
ajis02-278	62	7	impact	impact	NOUN
ajis02-278	62	8	of	of	ADP
ajis02-278	62	9	redirecting	redirect	VERB
ajis02-278	62	10	bank	bank	NOUN
ajis02-278	62	11	branch	branch	NOUN
ajis02-278	62	12	staff	staff	NOUN
ajis02-278	62	13	activities	activity	NOUN
ajis02-278	62	14	to	to	ADP
ajis02-278	62	15	improving	improve	VERB
ajis02-278	62	16	customer	customer	NOUN
ajis02-278	62	17	service	service	NOUN
ajis02-278	62	18	and	and	CCONJ
ajis02-278	62	19	promoting	promote	VERB
ajis02-278	62	20	other	other	ADJ
ajis02-278	62	21	products	product	NOUN
ajis02-278	62	22	by	by	ADP
ajis02-278	62	23	reducing	reduce	VERB
ajis02-278	62	24	the	the	DET
ajis02-278	62	25	potential	potential	NOUN
ajis02-278	62	26	for	for	ADP
ajis02-278	62	27	contact	contact	NOUN
ajis02-278	62	28	between	between	ADP
ajis02-278	62	29	branch	branch	NOUN
ajis02-278	62	30	staff	staff	NOUN
ajis02-278	62	31	and	and	CCONJ
ajis02-278	62	32	merchant	merchant	NOUN
ajis02-278	62	33	customers	customer	NOUN
ajis02-278	62	34	.	.	PUNCT
ajis02-278	63	1	fraser	fraser	NOUN
ajis02-278	63	2	(	(	PUNCT
ajis02-278	63	3	1985	1985	NUM
ajis02-278	63	4	)	)	PUNCT
ajis02-278	63	5	argues	argue	VERB
ajis02-278	63	6	that	that	SCONJ
ajis02-278	63	7	merchants	merchant	NOUN
ajis02-278	63	8	will	will	AUX
ajis02-278	63	9	adopt	adopt	VERB
ajis02-278	63	10	eftpos	eftpos	NOUN
ajis02-278	63	11	to	to	PART
ajis02-278	63	12	increase	increase	VERB
ajis02-278	63	13	sales	sale	NOUN
ajis02-278	63	14	.	.	PUNCT
ajis02-278	64	1	if	if	SCONJ
ajis02-278	64	2	this	this	PRON
ajis02-278	64	3	dominates	dominate	VERB
ajis02-278	64	4	changes	change	NOUN
ajis02-278	64	5	,	,	PUNCT
ajis02-278	64	6	rather	rather	ADV
ajis02-278	64	7	than	than	ADP
ajis02-278	64	8	substitution	substitution	NOUN
ajis02-278	64	9	of	of	ADP
ajis02-278	64	10	eftpos	eftpos	NOUN
ajis02-278	64	11	for	for	ADP
ajis02-278	64	12	other	other	ADJ
ajis02-278	64	13	forms	form	NOUN
ajis02-278	64	14	of	of	ADP
ajis02-278	64	15	transactions	transaction	NOUN
ajis02-278	64	16	,	,	PUNCT
ajis02-278	64	17	then	then	ADV
ajis02-278	64	18	no	no	DET
ajis02-278	64	19	impact	impact	NOUN
ajis02-278	64	20	on	on	ADP
ajis02-278	64	21	merchant	merchant	NOUN
ajis02-278	64	22	contact	contact	NOUN
ajis02-278	64	23	with	with	ADP
ajis02-278	64	24	the	the	DET
ajis02-278	64	25	bank	bank	NOUN
ajis02-278	64	26	would	would	AUX
ajis02-278	64	27	be	be	AUX
ajis02-278	64	28	expected	expect	VERB
ajis02-278	64	29	.	.	PUNCT
ajis02-278	65	1	where	where	SCONJ
ajis02-278	65	2	eftpos	eftpos	NOUN
ajis02-278	65	3	is	be	AUX
ajis02-278	65	4	provided	provide	VERB
ajis02-278	65	5	to	to	ADP
ajis02-278	65	6	a	a	DET
ajis02-278	65	7	merchant	merchant	NOUN
ajis02-278	65	8	by	by	ADP
ajis02-278	65	9	a	a	DET
ajis02-278	65	10	separate	separate	ADJ
ajis02-278	65	11	agency	agency	NOUN
ajis02-278	65	12	,	,	PUNCT
ajis02-278	65	13	it	it	PRON
ajis02-278	65	14	may	may	AUX
ajis02-278	65	15	be	be	AUX
ajis02-278	65	16	seen	see	VERB
ajis02-278	65	17	as	as	ADP
ajis02-278	65	18	a	a	DET
ajis02-278	65	19	"	"	PUNCT
ajis02-278	65	20	foot	foot	NOUN
ajis02-278	65	21	-	-	PUNCT
ajis02-278	65	22	in	in	ADP
ajis02-278	65	23	-	-	PUNCT
ajis02-278	65	24	the	the	DET
ajis02-278	65	25	-	-	PUNCT
ajis02-278	65	26	door	door	NOUN
ajis02-278	65	27	"	"	PUNCT
ajis02-278	65	28	threat	threat	NOUN
ajis02-278	65	29	to	to	ADP
ajis02-278	65	30	the	the	DET
ajis02-278	65	31	banks	bank	NOUN
ajis02-278	65	32	'	'	PART
ajis02-278	65	33	competitiveness	competitiveness	NOUN
ajis02-278	65	34	.	.	PUNCT
ajis02-278	66	1	if	if	SCONJ
ajis02-278	66	2	this	this	PRON
ajis02-278	66	3	is	be	AUX
ajis02-278	66	4	the	the	DET
ajis02-278	66	5	case	case	NOUN
ajis02-278	66	6	,	,	PUNCT
ajis02-278	66	7	there	there	PRON
ajis02-278	66	8	should	should	AUX
ajis02-278	66	9	be	be	AUX
ajis02-278	66	10	an	an	DET
ajis02-278	66	11	identifiable	identifiable	ADJ
ajis02-278	66	12	impact	impact	NOUN
ajis02-278	66	13	in	in	ADP
ajis02-278	66	14	the	the	DET
ajis02-278	66	15	form	form	NOUN
ajis02-278	66	16	new	new	ADJ
ajis02-278	66	17	merchant	merchant	NOUN
ajis02-278	66	18	accounts	account	NOUN
ajis02-278	66	19	.	.	PUNCT
ajis02-278	67	1	the	the	DET
ajis02-278	67	2	potential	potential	ADJ
ajis02-278	67	3	complexity	complexity	NOUN
ajis02-278	67	4	of	of	ADP
ajis02-278	67	5	impacts	impact	NOUN
ajis02-278	67	6	on	on	ADP
ajis02-278	67	7	various	various	ADJ
ajis02-278	67	8	branch	branch	NOUN
ajis02-278	67	9	activities	activity	NOUN
ajis02-278	67	10	,	,	PUNCT
ajis02-278	67	11	and	and	CCONJ
ajis02-278	67	12	their	their	PRON
ajis02-278	67	13	interaction	interaction	NOUN
ajis02-278	67	14	,	,	PUNCT
ajis02-278	67	15	reduces	reduce	VERB
ajis02-278	67	16	the	the	DET
ajis02-278	67	17	strength	strength	NOUN
ajis02-278	67	18	of	of	ADP
ajis02-278	67	19	a	a	DET
ajis02-278	67	20	priori	priori	ADJ
ajis02-278	67	21	reasoning	reasoning	NOUN
ajis02-278	67	22	as	as	ADP
ajis02-278	67	23	to	to	ADP
ajis02-278	67	24	their	their	PRON
ajis02-278	67	25	cumulative	cumulative	ADJ
ajis02-278	67	26	impact	impact	NOUN
ajis02-278	67	27	on	on	ADP
ajis02-278	67	28	the	the	DET
ajis02-278	67	29	bank	bank	NOUN
ajis02-278	67	30	-	-	PUNCT
ajis02-278	67	31	merchant	merchant	NOUN
ajis02-278	67	32	relationship	relationship	NOUN
ajis02-278	67	33	,	,	PUNCT
ajis02-278	67	34	leaving	leave	VERB
ajis02-278	67	35	it	it	PRON
ajis02-278	67	36	as	as	ADP
ajis02-278	67	37	an	an	DET
ajis02-278	67	38	issue	issue	NOUN
ajis02-278	67	39	to	to	PART
ajis02-278	67	40	be	be	AUX
ajis02-278	67	41	explored	explore	VERB
ajis02-278	67	42	empirically	empirically	ADV
ajis02-278	67	43	.	.	PUNCT
ajis02-278	68	1	how	how	SCONJ
ajis02-278	68	2	indicators	indicator	NOUN
ajis02-278	68	3	of	of	ADP
ajis02-278	68	4	potential	potential	ADJ
ajis02-278	68	5	impacts	impact	NOUN
ajis02-278	68	6	are	be	AUX
ajis02-278	68	7	sought	seek	VERB
ajis02-278	68	8	is	be	AUX
ajis02-278	68	9	described	describe	VERB
ajis02-278	68	10	below	below	ADP
ajis02-278	68	11	in	in	ADP
ajis02-278	68	12	the	the	DET
ajis02-278	68	13	context	context	NOUN
ajis02-278	68	14	of	of	ADP
ajis02-278	68	15	the	the	DET
ajis02-278	68	16	empirical	empirical	ADJ
ajis02-278	68	17	research	research	NOUN
ajis02-278	68	18	design	design	NOUN
ajis02-278	68	19	.	.	PUNCT
ajis02-278	69	1	71	71	NUM
ajis02-278	69	2	ajis	ajis	NOUN
ajis02-278	69	3	vol	vol	NOUN
ajis02-278	69	4	.	.	PUNCT
ajis02-278	70	1	7	7	NUM
ajis02-278	70	2	,	,	PUNCT
ajis02-278	70	3	no	no	DET
ajis02-278	70	4	2	2	NUM
ajis02-278	70	5	may	may	PROPN
ajis02-278	70	6	2000	2000	NUM
ajis02-278	70	7	research	research	NOUN
ajis02-278	70	8	design	design	NOUN
ajis02-278	70	9	and	and	CCONJ
ajis02-278	70	10	data	datum	NOUN
ajis02-278	70	11	collection	collection	NOUN
ajis02-278	70	12	indicators	indicator	NOUN
ajis02-278	70	13	of	of	ADP
ajis02-278	70	14	potential	potential	ADJ
ajis02-278	70	15	impacts	impact	NOUN
ajis02-278	70	16	were	be	AUX
ajis02-278	70	17	sought	seek	VERB
ajis02-278	70	18	by	by	ADP
ajis02-278	70	19	surveying	survey	VERB
ajis02-278	70	20	bank	bank	NOUN
ajis02-278	70	21	branch	branch	NOUN
ajis02-278	70	22	managers	manager	NOUN
ajis02-278	70	23	and	and	CCONJ
ajis02-278	70	24	merchants	merchant	NOUN
ajis02-278	70	25	who	who	PRON
ajis02-278	70	26	use	use	VERB
ajis02-278	70	27	eftpos	eftpos	NOUN
ajis02-278	70	28	.	.	PUNCT
ajis02-278	71	1	separate	separate	ADJ
ajis02-278	71	2	questionnaires	questionnaire	NOUN
ajis02-278	71	3	[	[	PUNCT
ajis02-278	71	4	]	]	X
ajis02-278	71	5	were	be	AUX
ajis02-278	71	6	developed	develop	VERB
ajis02-278	71	7	for	for	ADP
ajis02-278	71	8	bank	bank	NOUN
ajis02-278	71	9	managers	manager	NOUN
ajis02-278	71	10	and	and	CCONJ
ajis02-278	71	11	merchants	merchant	NOUN
ajis02-278	71	12	which	which	PRON
ajis02-278	71	13	largely	largely	ADV
ajis02-278	71	14	mirrored	mirror	VERB
ajis02-278	71	15	their	their	PRON
ajis02-278	71	16	perceptions	perception	NOUN
ajis02-278	71	17	or	or	CCONJ
ajis02-278	71	18	experiences	experience	NOUN
ajis02-278	71	19	of	of	ADP
ajis02-278	71	20	impacts	impact	NOUN
ajis02-278	71	21	of	of	ADP
ajis02-278	71	22	eftpos	eftpos	NOUN
ajis02-278	71	23	.	.	PUNCT
ajis02-278	72	1	the	the	DET
ajis02-278	72	2	key	key	ADJ
ajis02-278	72	3	information	information	NOUN
ajis02-278	72	4	sought	seek	VERB
ajis02-278	72	5	through	through	ADP
ajis02-278	72	6	the	the	DET
ajis02-278	72	7	survey	survey	NOUN
ajis02-278	72	8	is	be	AUX
ajis02-278	72	9	listed	list	VERB
ajis02-278	72	10	in	in	ADP
ajis02-278	72	11	table	table	NOUN
ajis02-278	72	12	1	1	NUM
ajis02-278	72	13	.	.	PUNCT
ajis02-278	72	14	table	table	NOUN
ajis02-278	72	15	1	1	NUM
ajis02-278	72	16	information	information	NOUN
ajis02-278	72	17	sought	seek	VERB
ajis02-278	72	18	regarding	regard	VERB
ajis02-278	72	19	perceptions	perception	NOUN
ajis02-278	72	20	of	of	ADP
ajis02-278	72	21	eftpos	eftpos	NOUN
ajis02-278	72	22	impacts	impact	NOUN
ajis02-278	72	23	on	on	ADP
ajis02-278	72	24	branch	branch	NOUN
ajis02-278	72	25	banking	banking	NOUN
ajis02-278	72	26	activities	activity	NOUN
ajis02-278	72	27	eftpos	eftpos	NOUN
ajis02-278	72	28	impact	impact	NOUN
ajis02-278	72	29	on	on	ADP
ajis02-278	72	30	:	:	PUNCT
ajis02-278	72	31	bank	bank	NOUN
ajis02-278	72	32	managers	manager	NOUN
ajis02-278	72	33	'	'	PART
ajis02-278	72	34	perceptions	perception	NOUN
ajis02-278	72	35	:	:	PUNCT
ajis02-278	72	36	merchants	merchant	NOUN
ajis02-278	72	37	'	'	PART
ajis02-278	72	38	perceptions	perception	NOUN
ajis02-278	72	39	of	of	ADP
ajis02-278	72	40	:	:	PUNCT
ajis02-278	72	41	transaction	transaction	NOUN
ajis02-278	72	42	volumes	volume	NOUN
ajis02-278	73	1	•	•	ADV
ajis02-278	73	2	number	number	NOUN
ajis02-278	73	3	of	of	ADP
ajis02-278	73	4	cheques	cheque	NOUN
ajis02-278	73	5	transactions	transaction	NOUN
ajis02-278	73	6	•	•	ADJ
ajis02-278	73	7	number	number	NOUN
ajis02-278	73	8	of	of	ADP
ajis02-278	73	9	cheques	cheque	NOUN
ajis02-278	73	10	transactions	transaction	NOUN
ajis02-278	73	11	•	•	ADJ
ajis02-278	73	12	number	number	NOUN
ajis02-278	73	13	of	of	ADP
ajis02-278	73	14	credit	credit	NOUN
ajis02-278	73	15	card	card	NOUN
ajis02-278	73	16	transactions	transaction	NOUN
ajis02-278	73	17	»	»	PUNCT
ajis02-278	73	18	number	number	NOUN
ajis02-278	73	19	of	of	ADP
ajis02-278	73	20	cash	cash	NOUN
ajis02-278	73	21	transactions	transaction	NOUN
ajis02-278	73	22	»	»	PUNCT
ajis02-278	73	23	number	number	NOUN
ajis02-278	73	24	of	of	ADP
ajis02-278	73	25	cash	cash	NOUN
ajis02-278	73	26	transactions	transaction	NOUN
ajis02-278	73	27	contact	contact	NOUN
ajis02-278	73	28	with	with	ADP
ajis02-278	73	29	banks	bank	NOUN
ajis02-278	73	30	•	•	NOUN
ajis02-278	73	31	frequency	frequency	NOUN
ajis02-278	73	32	of	of	ADP
ajis02-278	73	33	visits	visit	NOUN
ajis02-278	73	34	to	to	ADP
ajis02-278	73	35	bank	bank	NOUN
ajis02-278	73	36	•	•	NOUN
ajis02-278	73	37	frequency	frequency	NOUN
ajis02-278	73	38	of	of	ADP
ajis02-278	73	39	visits	visit	NOUN
ajis02-278	73	40	to	to	ADP
ajis02-278	73	41	bank	bank	NOUN
ajis02-278	73	42	*	*	PUNCT
ajis02-278	73	43	frequency	frequency	NOUN
ajis02-278	73	44	of	of	ADP
ajis02-278	73	45	account	account	NOUN
ajis02-278	73	46	queries	query	NOUN
ajis02-278	73	47	*	*	PUNCT
ajis02-278	73	48	frequency	frequency	NOUN
ajis02-278	73	49	of	of	ADP
ajis02-278	73	50	account	account	NOUN
ajis02-278	73	51	queries	query	NOUN
ajis02-278	73	52	branch	branch	NOUN
ajis02-278	73	53	staff	staff	NOUN
ajis02-278	73	54	•	•	NOUN
ajis02-278	73	55	number	number	NOUN
ajis02-278	73	56	of	of	ADP
ajis02-278	73	57	branch	branch	NOUN
ajis02-278	73	58	staff	staff	NOUN
ajis02-278	73	59	•	•	NOUN
ajis02-278	73	60	staff	staff	NOUN
ajis02-278	73	61	skills	skill	NOUN
ajis02-278	73	62	regarding	regard	VERB
ajis02-278	73	63	other	other	ADJ
ajis02-278	73	64	bank	bank	NOUN
ajis02-278	73	65	products	product	NOUN
ajis02-278	73	66	products	product	NOUN
ajis02-278	73	67	offered	offer	VERB
ajis02-278	73	68	•	•	NOUN
ajis02-278	73	69	the	the	DET
ajis02-278	73	70	number	number	NOUN
ajis02-278	73	71	of	of	ADP
ajis02-278	73	72	bank	bank	NOUN
ajis02-278	73	73	services	service	NOUN
ajis02-278	73	74	or	or	CCONJ
ajis02-278	73	75	products	product	NOUN
ajis02-278	73	76	offered	offer	VERB
ajis02-278	73	77	through	through	ADP
ajis02-278	73	78	the	the	DET
ajis02-278	73	79	branch	branch	NOUN
ajis02-278	73	80	branch	branch	NOUN
ajis02-278	73	81	business	business	NOUN
ajis02-278	73	82	•	•	NOUN
ajis02-278	73	83	attracting	attract	VERB
ajis02-278	73	84	more	more	ADJ
ajis02-278	73	85	business	business	NOUN
ajis02-278	73	86	from	from	ADP
ajis02-278	73	87	•	•	NUM
ajis02-278	73	88	use	use	NOUN
ajis02-278	73	89	of	of	ADP
ajis02-278	73	90	other	other	ADJ
ajis02-278	73	91	bank	bank	NOUN
ajis02-278	73	92	existing	exist	VERB
ajis02-278	73	93	bank	bank	NOUN
ajis02-278	73	94	customers	customer	NOUN
ajis02-278	73	95	products	product	NOUN
ajis02-278	73	96	/	/	SYM
ajis02-278	73	97	services	service	NOUN
ajis02-278	73	98	•	•	NOUN
ajis02-278	73	99	attracting	attract	VERB
ajis02-278	73	100	business	business	NOUN
ajis02-278	73	101	accounts	account	NOUN
ajis02-278	73	102	to	to	ADP
ajis02-278	73	103	the	the	DET
ajis02-278	73	104	branch	branch	NOUN
ajis02-278	73	105	•	•	ADP
ajis02-278	73	106	the	the	DET
ajis02-278	73	107	bank	bank	NOUN
ajis02-278	73	108	's	's	PART
ajis02-278	73	109	business	business	NOUN
ajis02-278	73	110	relationships	relationship	NOUN
ajis02-278	73	111	•	•	ADP
ajis02-278	73	112	the	the	DET
ajis02-278	73	113	merchant	merchant	NOUN
ajis02-278	73	114	's	's	PART
ajis02-278	73	115	business	business	NOUN
ajis02-278	73	116	with	with	ADP
ajis02-278	73	117	eftpos	eftpos	NOUN
ajis02-278	73	118	merchants	merchant	NOUN
ajis02-278	73	119	relationship	relationship	NOUN
ajis02-278	73	120	with	with	ADP
ajis02-278	73	121	their	their	PRON
ajis02-278	73	122	bank	bank	NOUN
ajis02-278	73	123	the	the	DET
ajis02-278	73	124	bank	bank	NOUN
ajis02-278	73	125	manager	manager	NOUN
ajis02-278	73	126	survey	survey	NOUN
ajis02-278	73	127	focussed	focusse	VERB
ajis02-278	73	128	on	on	ADP
ajis02-278	73	129	the	the	DET
ajis02-278	73	130	impact	impact	NOUN
ajis02-278	73	131	of	of	ADP
ajis02-278	73	132	eftpos	eftpos	NOUN
ajis02-278	73	133	on	on	ADP
ajis02-278	73	134	branch	branch	NOUN
ajis02-278	73	135	banking	banking	NOUN
ajis02-278	73	136	,	,	PUNCT
ajis02-278	73	137	distinguishing	distinguish	VERB
ajis02-278	73	138	impacts	impact	NOUN
ajis02-278	73	139	on	on	ADP
ajis02-278	73	140	staff	staff	NOUN
ajis02-278	73	141	,	,	PUNCT
ajis02-278	73	142	customers	customer	NOUN
ajis02-278	73	143	,	,	PUNCT
ajis02-278	73	144	products	product	NOUN
ajis02-278	73	145	or	or	CCONJ
ajis02-278	73	146	services	service	NOUN
ajis02-278	73	147	,	,	PUNCT
ajis02-278	73	148	and	and	CCONJ
ajis02-278	73	149	internal	internal	ADJ
ajis02-278	73	150	activities	activity	NOUN
ajis02-278	73	151	.	.	PUNCT
ajis02-278	74	1	the	the	DET
ajis02-278	74	2	merchant	merchant	NOUN
ajis02-278	74	3	survey	survey	NOUN
ajis02-278	74	4	distinguished	distinguish	VERB
ajis02-278	74	5	on	on	ADP
ajis02-278	74	6	the	the	DET
ajis02-278	74	7	eftpos	eftpos	NOUN
ajis02-278	74	8	installation	installation	NOUN
ajis02-278	74	9	decision	decision	NOUN
ajis02-278	74	10	,	,	PUNCT
ajis02-278	74	11	reasons	reason	NOUN
ajis02-278	74	12	for	for	ADP
ajis02-278	74	13	adopting	adopt	VERB
ajis02-278	74	14	eftpos	eftpos	NOUN
ajis02-278	74	15	and	and	CCONJ
ajis02-278	74	16	the	the	DET
ajis02-278	74	17	impact	impact	NOUN
ajis02-278	74	18	of	of	ADP
ajis02-278	74	19	eftpos	eftpos	NOUN
ajis02-278	74	20	on	on	ADP
ajis02-278	74	21	the	the	DET
ajis02-278	74	22	business	business	NOUN
ajis02-278	74	23	.	.	PUNCT
ajis02-278	75	1	both	both	DET
ajis02-278	75	2	questionnaires	questionnaire	NOUN
ajis02-278	75	3	used	use	VERB
ajis02-278	75	4	a	a	DET
ajis02-278	75	5	mix	mix	NOUN
ajis02-278	75	6	of	of	ADP
ajis02-278	75	7	open	open	ADJ
ajis02-278	75	8	-	-	PUNCT
ajis02-278	75	9	ended	ended	ADJ
ajis02-278	75	10	,	,	PUNCT
ajis02-278	75	11	categorical	categorical	ADJ
ajis02-278	75	12	and	and	CCONJ
ajis02-278	75	13	scalar	scalar	ADJ
ajis02-278	75	14	questions	question	NOUN
ajis02-278	75	15	.	.	PUNCT
ajis02-278	76	1	many	many	ADJ
ajis02-278	76	2	of	of	ADP
ajis02-278	76	3	the	the	DET
ajis02-278	76	4	questions	question	NOUN
ajis02-278	76	5	in	in	ADP
ajis02-278	76	6	regard	regard	NOUN
ajis02-278	76	7	to	to	ADP
ajis02-278	76	8	changes	change	NOUN
ajis02-278	76	9	in	in	ADP
ajis02-278	76	10	banking	banking	NOUN
ajis02-278	76	11	practice	practice	NOUN
ajis02-278	76	12	and	and	CCONJ
ajis02-278	76	13	transaction	transaction	NOUN
ajis02-278	76	14	volumes	volume	NOUN
ajis02-278	76	15	where	where	SCONJ
ajis02-278	76	16	common	common	ADJ
ajis02-278	76	17	to	to	ADP
ajis02-278	76	18	both	both	DET
ajis02-278	76	19	surveys	survey	NOUN
ajis02-278	76	20	.	.	PUNCT
ajis02-278	77	1	in	in	ADP
ajis02-278	77	2	developing	develop	VERB
ajis02-278	77	3	the	the	DET
ajis02-278	77	4	bank	bank	NOUN
ajis02-278	77	5	manager	manager	NOUN
ajis02-278	77	6	questionnaire	questionnaire	NOUN
ajis02-278	77	7	,	,	PUNCT
ajis02-278	77	8	a	a	DET
ajis02-278	77	9	consultative	consultative	ADJ
ajis02-278	77	10	group	group	NOUN
ajis02-278	77	11	of	of	ADP
ajis02-278	77	12	three	three	NUM
ajis02-278	77	13	bank	bank	NOUN
ajis02-278	77	14	managers	manager	NOUN
ajis02-278	77	15	and	and	CCONJ
ajis02-278	77	16	a	a	DET
ajis02-278	77	17	merchant	merchant	NOUN
ajis02-278	77	18	survey	survey	NOUN
ajis02-278	77	19	manager	manager	NOUN
ajis02-278	77	20	of	of	ADP
ajis02-278	77	21	a	a	DET
ajis02-278	77	22	major	major	ADJ
ajis02-278	77	23	bank	bank	NOUN
ajis02-278	77	24	group	group	NOUN
ajis02-278	77	25	provided	provide	VERB
ajis02-278	77	26	assistance	assistance	NOUN
ajis02-278	77	27	in	in	ADP
ajis02-278	77	28	regard	regard	NOUN
ajis02-278	77	29	to	to	ADP
ajis02-278	77	30	the	the	DET
ajis02-278	77	31	feasibility	feasibility	NOUN
ajis02-278	77	32	of	of	ADP
ajis02-278	77	33	information	information	NOUN
ajis02-278	77	34	sort	sort	NOUN
ajis02-278	77	35	and	and	CCONJ
ajis02-278	77	36	served	serve	VERB
ajis02-278	77	37	as	as	ADP
ajis02-278	77	38	a	a	DET
ajis02-278	77	39	pilot	pilot	NOUN
ajis02-278	77	40	group	group	NOUN
ajis02-278	77	41	testing	test	VERB
ajis02-278	77	42	the	the	DET
ajis02-278	77	43	questionnaire	questionnaire	NOUN
ajis02-278	77	44	.	.	PUNCT
ajis02-278	78	1	three	three	NUM
ajis02-278	78	2	merchants	merchant	NOUN
ajis02-278	78	3	provided	provide	VERB
ajis02-278	78	4	similar	similar	ADJ
ajis02-278	78	5	assistance	assistance	NOUN
ajis02-278	78	6	in	in	ADP
ajis02-278	78	7	the	the	DET
ajis02-278	78	8	development	development	NOUN
ajis02-278	78	9	of	of	ADP
ajis02-278	78	10	the	the	DET
ajis02-278	78	11	merchant	merchant	NOUN
ajis02-278	78	12	questionnaire	questionnaire	NOUN
ajis02-278	78	13	.	.	PUNCT
ajis02-278	79	1	piloting	pilot	VERB
ajis02-278	79	2	resulting	result	VERB
ajis02-278	79	3	in	in	ADP
ajis02-278	79	4	some	some	DET
ajis02-278	79	5	structural	structural	ADJ
ajis02-278	79	6	and	and	CCONJ
ajis02-278	79	7	"	"	PUNCT
ajis02-278	79	8	language	language	NOUN
ajis02-278	79	9	"	"	PUNCT
ajis02-278	79	10	changes	change	NOUN
ajis02-278	79	11	to	to	ADP
ajis02-278	79	12	the	the	DET
ajis02-278	79	13	instruments.6	instruments.6	PROPN
ajis02-278	79	14	in	in	ADP
ajis02-278	79	15	generating	generate	VERB
ajis02-278	79	16	the	the	DET
ajis02-278	79	17	sample	sample	NOUN
ajis02-278	79	18	for	for	ADP
ajis02-278	79	19	bank	bank	NOUN
ajis02-278	79	20	branches	branch	NOUN
ajis02-278	79	21	,	,	PUNCT
ajis02-278	79	22	the	the	DET
ajis02-278	79	23	policies	policy	NOUN
ajis02-278	79	24	for	for	ADP
ajis02-278	79	25	participation	participation	NOUN
ajis02-278	79	26	in	in	ADP
ajis02-278	79	27	surveys	survey	NOUN
ajis02-278	79	28	for	for	ADP
ajis02-278	79	29	each	each	DET
ajis02-278	79	30	national	national	ADJ
ajis02-278	79	31	and	and	CCONJ
ajis02-278	79	32	regional	regional	ADJ
ajis02-278	79	33	bank	bank	NOUN
ajis02-278	79	34	was	be	AUX
ajis02-278	79	35	firstly	firstly	ADV
ajis02-278	79	36	established	establish	VERB
ajis02-278	79	37	thought	think	VERB
ajis02-278	79	38	contact	contact	NOUN
ajis02-278	79	39	with	with	ADP
ajis02-278	79	40	representatives	representative	NOUN
ajis02-278	79	41	of	of	ADP
ajis02-278	79	42	each	each	DET
ajis02-278	79	43	bank	bank	NOUN
ajis02-278	79	44	.	.	PUNCT
ajis02-278	80	1	all	all	DET
ajis02-278	80	2	banks	bank	NOUN
ajis02-278	80	3	with	with	ADP
ajis02-278	80	4	act	act	NOUN
ajis02-278	80	5	branches	branch	NOUN
ajis02-278	80	6	were	be	AUX
ajis02-278	80	7	approached	approach	VERB
ajis02-278	80	8	.	.	PUNCT
ajis02-278	81	1	four	four	NUM
ajis02-278	81	2	declined	decline	VERB
ajis02-278	81	3	to	to	PART
ajis02-278	81	4	participate	participate	VERB
ajis02-278	81	5	.	.	PUNCT
ajis02-278	82	1	one	one	NUM
ajis02-278	82	2	bank	bank	NOUN
ajis02-278	82	3	required	require	VERB
ajis02-278	82	4	regional	regional	ADJ
ajis02-278	82	5	office	office	NOUN
ajis02-278	82	6	approval	approval	NOUN
ajis02-278	82	7	and	and	CCONJ
ajis02-278	82	8	the	the	DET
ajis02-278	82	9	others	other	NOUN
ajis02-278	82	10	approved	approve	VERB
ajis02-278	82	11	direct	direct	ADJ
ajis02-278	82	12	individual	individual	ADJ
ajis02-278	82	13	contact	contact	NOUN
ajis02-278	82	14	with	with	ADP
ajis02-278	82	15	branches	branch	NOUN
ajis02-278	82	16	.	.	PUNCT
ajis02-278	83	1	the	the	DET
ajis02-278	83	2	questionnaires	questionnaire	NOUN
ajis02-278	83	3	where	where	SCONJ
ajis02-278	83	4	mailed	mail	VERB
ajis02-278	83	5	directly	directly	ADV
ajis02-278	83	6	to	to	ADP
ajis02-278	83	7	branch	branch	NOUN
ajis02-278	83	8	managers	manager	NOUN
ajis02-278	83	9	in	in	ADP
ajis02-278	83	10	august	august	PROPN
ajis02-278	83	11	1996	1996	NUM
ajis02-278	83	12	.	.	PUNCT
ajis02-278	84	1	it	it	PRON
ajis02-278	84	2	was	be	AUX
ajis02-278	84	3	necessary	necessary	ADJ
ajis02-278	84	4	that	that	SCONJ
ajis02-278	84	5	the	the	DET
ajis02-278	84	6	individuals	individual	NOUN
ajis02-278	84	7	completing	complete	VERB
ajis02-278	84	8	the	the	DET
ajis02-278	84	9	merchant	merchant	NOUN
ajis02-278	84	10	questionnaire	questionnaire	NOUN
ajis02-278	84	11	have	have	VERB
ajis02-278	84	12	detailed	detail	VERB
ajis02-278	84	13	knowledge	knowledge	NOUN
ajis02-278	84	14	of	of	ADP
ajis02-278	84	15	the	the	DET
ajis02-278	84	16	business	business	NOUN
ajis02-278	84	17	and	and	CCONJ
ajis02-278	84	18	its	its	PRON
ajis02-278	84	19	experiences	experience	NOUN
ajis02-278	84	20	with	with	ADP
ajis02-278	84	21	branch	branch	NOUN
ajis02-278	84	22	banking	banking	NOUN
ajis02-278	84	23	.	.	PUNCT
ajis02-278	85	1	large	large	ADJ
ajis02-278	85	2	retail	retail	ADJ
ajis02-278	85	3	corporations	corporation	NOUN
ajis02-278	85	4	typically	typically	ADV
ajis02-278	85	5	organise	organise	VERB
ajis02-278	85	6	their	their	PRON
ajis02-278	85	7	banking	banking	NOUN
ajis02-278	85	8	via	via	ADP
ajis02-278	85	9	centralised	centralised	ADJ
ajis02-278	85	10	accounts	account	NOUN
ajis02-278	85	11	and	and	CCONJ
ajis02-278	85	12	facilities	facility	NOUN
ajis02-278	85	13	rather	rather	ADV
ajis02-278	85	14	than	than	ADP
ajis02-278	85	15	through	through	ADP
ajis02-278	85	16	local	local	ADJ
ajis02-278	85	17	branches	branch	NOUN
ajis02-278	85	18	.	.	PUNCT
ajis02-278	86	1	consequently	consequently	ADV
ajis02-278	86	2	,	,	PUNCT
ajis02-278	86	3	the	the	DET
ajis02-278	86	4	study	study	NOUN
ajis02-278	86	5	was	be	AUX
ajis02-278	86	6	limited	limit	VERB
ajis02-278	86	7	to	to	ADP
ajis02-278	86	8	small	small	ADJ
ajis02-278	86	9	merchants	merchant	NOUN
ajis02-278	86	10	because	because	SCONJ
ajis02-278	86	11	they	they	PRON
ajis02-278	86	12	are	be	AUX
ajis02-278	86	13	most	most	ADV
ajis02-278	86	14	likely	likely	ADJ
ajis02-278	86	15	to	to	PART
ajis02-278	86	16	operate	operate	VERB
ajis02-278	86	17	branch	branch	NOUN
ajis02-278	86	18	accounts	account	NOUN
ajis02-278	86	19	as	as	ADP
ajis02-278	86	20	their	their	PRON
ajis02-278	86	21	main	main	ADJ
ajis02-278	86	22	bank	bank	NOUN
ajis02-278	86	23	accounts	account	NOUN
ajis02-278	86	24	and	and	CCONJ
ajis02-278	86	25	only	only	ADV
ajis02-278	86	26	one	one	NUM
ajis02-278	86	27	or	or	CCONJ
ajis02-278	86	28	two	two	NUM
ajis02-278	86	29	people	people	NOUN
ajis02-278	86	30	will	will	AUX
ajis02-278	86	31	hold	hold	VERB
ajis02-278	86	32	most	most	ADJ
ajis02-278	86	33	of	of	ADP
ajis02-278	86	34	the	the	DET
ajis02-278	86	35	management	management	NOUN
ajis02-278	86	36	functions	function	NOUN
ajis02-278	86	37	.	.	PUNCT
ajis02-278	87	1	a	a	DET
ajis02-278	87	2	prospective	prospective	ADJ
ajis02-278	87	3	sample	sample	NOUN
ajis02-278	87	4	of	of	ADP
ajis02-278	87	5	700	700	NUM
ajis02-278	87	6	merchants	merchant	NOUN
ajis02-278	87	7	was	be	AUX
ajis02-278	87	8	created	create	VERB
ajis02-278	87	9	from	from	ADP
ajis02-278	87	10	local	local	ADJ
ajis02-278	87	11	business	business	NOUN
ajis02-278	87	12	directories[7	directories[7	NOUN
ajis02-278	87	13	]	]	PUNCT
ajis02-278	87	14	and	and	CCONJ
ajis02-278	87	15	the	the	DET
ajis02-278	87	16	merchant	merchant	NOUN
ajis02-278	87	17	survey	survey	NOUN
ajis02-278	87	18	was	be	AUX
ajis02-278	87	19	mailed	mail	VERB
ajis02-278	87	20	in	in	ADP
ajis02-278	87	21	september	september	PROPN
ajis02-278	87	22	1996	1996	NUM
ajis02-278	87	23	.	.	PUNCT
ajis02-278	88	1	respondents	respondent	NOUN
ajis02-278	88	2	twenty	twenty	NUM
ajis02-278	88	3	branch	branch	NOUN
ajis02-278	88	4	managers	manager	NOUN
ajis02-278	88	5	across	across	ADP
ajis02-278	88	6	four	four	NUM
ajis02-278	88	7	banks	bank	NOUN
ajis02-278	88	8	agreed	agree	VERB
ajis02-278	88	9	to	to	PART
ajis02-278	88	10	participate	participate	VERB
ajis02-278	88	11	.	.	PUNCT
ajis02-278	89	1	most	most	ADJ
ajis02-278	89	2	branch	branch	NOUN
ajis02-278	89	3	managers	manager	NOUN
ajis02-278	89	4	had	have	VERB
ajis02-278	89	5	at	at	ADV
ajis02-278	89	6	least	least	ADV
ajis02-278	89	7	three	three	NUM
ajis02-278	89	8	years	year	NOUN
ajis02-278	89	9	experience	experience	NOUN
ajis02-278	89	10	,	,	PUNCT
ajis02-278	89	11	with	with	ADP
ajis02-278	89	12	50	50	NUM
ajis02-278	89	13	%	%	NOUN
ajis02-278	89	14	having	have	VERB
ajis02-278	89	15	more	more	ADJ
ajis02-278	89	16	than	than	ADP
ajis02-278	89	17	5	5	NUM
ajis02-278	89	18	years	year	NOUN
ajis02-278	89	19	as	as	ADP
ajis02-278	89	20	a	a	DET
ajis02-278	89	21	branch	branch	NOUN
ajis02-278	89	22	manager	manager	NOUN
ajis02-278	89	23	.	.	PUNCT
ajis02-278	90	1	most	most	ADJ
ajis02-278	90	2	(	(	PUNCT
ajis02-278	90	3	75	75	NUM
ajis02-278	90	4	%	%	NOUN
ajis02-278	90	5	)	)	PUNCT
ajis02-278	90	6	had	have	AUX
ajis02-278	90	7	managed	manage	VERB
ajis02-278	90	8	their	their	PRON
ajis02-278	90	9	current	current	ADJ
ajis02-278	90	10	branch	branch	NOUN
ajis02-278	90	11	for	for	ADP
ajis02-278	90	12	at	at	ADV
ajis02-278	90	13	least	least	ADV
ajis02-278	90	14	2	2	NUM
ajis02-278	90	15	years	year	NOUN
ajis02-278	90	16	.	.	PUNCT
ajis02-278	91	1	5	5	NUM
ajis02-278	91	2	initial	initial	ADJ
ajis02-278	91	3	discussions	discussion	NOUN
ajis02-278	91	4	with	with	ADP
ajis02-278	91	5	bank	bank	NOUN
ajis02-278	91	6	representatives	representative	NOUN
ajis02-278	91	7	indicated	indicate	VERB
ajis02-278	91	8	that	that	SCONJ
ajis02-278	91	9	questionnaires	questionnaire	NOUN
ajis02-278	91	10	would	would	AUX
ajis02-278	91	11	be	be	AUX
ajis02-278	91	12	more	more	ADV
ajis02-278	91	13	acceptable	acceptable	ADJ
ajis02-278	91	14	than	than	ADP
ajis02-278	91	15	interviews	interview	NOUN
ajis02-278	91	16	.	.	PUNCT
ajis02-278	92	1	6	6	NUM
ajis02-278	92	2	the	the	DET
ajis02-278	92	3	consultative	consultative	ADJ
ajis02-278	92	4	/	/	SYM
ajis02-278	92	5	pilot	pilot	NOUN
ajis02-278	92	6	group	group	NOUN
ajis02-278	92	7	participants	participant	NOUN
ajis02-278	92	8	were	be	AUX
ajis02-278	92	9	not	not	PART
ajis02-278	92	10	included	include	VERB
ajis02-278	92	11	in	in	ADP
ajis02-278	92	12	the	the	DET
ajis02-278	92	13	final	final	ADJ
ajis02-278	92	14	survey	survey	NOUN
ajis02-278	92	15	.	.	PUNCT
ajis02-278	93	1	7	7	NUM
ajis02-278	93	2	the	the	DET
ajis02-278	93	3	700	700	NUM
ajis02-278	93	4	merchants	merchant	NOUN
ajis02-278	93	5	were	be	AUX
ajis02-278	93	6	identified	identify	VERB
ajis02-278	93	7	from	from	ADP
ajis02-278	93	8	three	three	NUM
ajis02-278	93	9	main	main	ADJ
ajis02-278	93	10	sources	source	NOUN
ajis02-278	93	11	:	:	PUNCT
ajis02-278	93	12	the	the	DET
ajis02-278	93	13	membership	membership	NOUN
ajis02-278	93	14	directories	directory	NOUN
ajis02-278	93	15	of	of	ADP
ajis02-278	93	16	the	the	DET
ajis02-278	93	17	act	act	PROPN
ajis02-278	93	18	chamber	chamber	PROPN
ajis02-278	93	19	of	of	ADP
ajis02-278	93	20	commerce	commerce	PROPN
ajis02-278	93	21	and	and	CCONJ
ajis02-278	93	22	the	the	DET
ajis02-278	93	23	queanbeyan	queanbeyan	PROPN
ajis02-278	93	24	business	business	PROPN
ajis02-278	93	25	council	council	PROPN
ajis02-278	93	26	(	(	PUNCT
ajis02-278	93	27	nsw	nsw	PROPN
ajis02-278	93	28	)	)	PUNCT
ajis02-278	93	29	,	,	PUNCT
ajis02-278	93	30	and	and	CCONJ
ajis02-278	93	31	the	the	DET
ajis02-278	93	32	telstra	telstra	PROPN
ajis02-278	93	33	yellow	yellow	ADJ
ajis02-278	93	34	pages	page	NOUN
ajis02-278	93	35	.	.	PUNCT
ajis02-278	94	1	merchants	merchant	NOUN
ajis02-278	94	2	were	be	AUX
ajis02-278	94	3	selected	select	VERB
ajis02-278	94	4	if	if	SCONJ
ajis02-278	94	5	they	they	PRON
ajis02-278	94	6	satisfied	satisfy	VERB
ajis02-278	94	7	the	the	DET
ajis02-278	94	8	small	small	ADJ
ajis02-278	94	9	business	business	NOUN
ajis02-278	94	10	criteria	criterion	NOUN
ajis02-278	94	11	of	of	ADP
ajis02-278	94	12	the	the	DET
ajis02-278	94	13	australian	australian	ADJ
ajis02-278	94	14	bureau	bureau	NOUN
ajis02-278	94	15	of	of	ADP
ajis02-278	94	16	statistics	statistic	NOUN
ajis02-278	94	17	(	(	PUNCT
ajis02-278	94	18	<	<	X
ajis02-278	94	19	100	100	NUM
ajis02-278	94	20	employees	employee	NOUN
ajis02-278	94	21	)	)	PUNCT
ajis02-278	94	22	.	.	PUNCT
ajis02-278	95	1	72	72	NUM
ajis02-278	95	2	ajis	ajis	NOUN
ajis02-278	95	3	vol	vol	NOUN
ajis02-278	95	4	.	.	PROPN
ajis02-278	96	1	7	7	NUM
ajis02-278	96	2	,	,	PUNCT
ajis02-278	96	3	no	no	DET
ajis02-278	96	4	2	2	NUM
ajis02-278	96	5	may	may	PROPN
ajis02-278	96	6	2000	2000	NUM
ajis02-278	96	7	of	of	ADP
ajis02-278	96	8	the	the	DET
ajis02-278	96	9	700	700	NUM
ajis02-278	96	10	selected	select	VERB
ajis02-278	96	11	small	small	ADJ
ajis02-278	96	12	merchants	merchant	NOUN
ajis02-278	96	13	,	,	PUNCT
ajis02-278	96	14	291	291	NUM
ajis02-278	96	15	(	(	PUNCT
ajis02-278	96	16	41	41	NUM
ajis02-278	96	17	%	%	NOUN
ajis02-278	96	18	)	)	PUNCT
ajis02-278	96	19	responded	respond	VERB
ajis02-278	96	20	.	.	PUNCT
ajis02-278	97	1	of	of	ADP
ajis02-278	97	2	these	these	PRON
ajis02-278	97	3	,	,	PUNCT
ajis02-278	97	4	105	105	NUM
ajis02-278	97	5	(	(	PUNCT
ajis02-278	97	6	36	36	NUM
ajis02-278	97	7	%	%	NOUN
ajis02-278	97	8	)	)	PUNCT
ajis02-278	97	9	currently	currently	ADV
ajis02-278	97	10	used	use	VERB
ajis02-278	97	11	eftpos	eftpos	NOUN
ajis02-278	97	12	.	.	PUNCT
ajis02-278	98	1	these	these	PRON
ajis02-278	98	2	are	be	AUX
ajis02-278	98	3	described	describe	VERB
ajis02-278	98	4	by	by	ADP
ajis02-278	98	5	industry	industry	NOUN
ajis02-278	98	6	and	and	CCONJ
ajis02-278	98	7	size	size	NOUN
ajis02-278	98	8	in	in	ADP
ajis02-278	98	9	table	table	NOUN
ajis02-278	98	10	2	2	NUM
ajis02-278	98	11	.	.	PUNCT
ajis02-278	99	1	the	the	DET
ajis02-278	99	2	profile	profile	NOUN
ajis02-278	99	3	of	of	ADP
ajis02-278	99	4	merchants	merchant	NOUN
ajis02-278	99	5	shows	show	VERB
ajis02-278	99	6	substantial	substantial	ADJ
ajis02-278	99	7	representation	representation	NOUN
ajis02-278	99	8	of	of	ADP
ajis02-278	99	9	responding	respond	VERB
ajis02-278	99	10	eftpos	eftpos	NOUN
ajis02-278	99	11	adopters	adopter	NOUN
ajis02-278	99	12	for	for	ADP
ajis02-278	99	13	a	a	DET
ajis02-278	99	14	broad	broad	ADJ
ajis02-278	99	15	range	range	NOUN
ajis02-278	99	16	of	of	ADP
ajis02-278	99	17	retail	retail	ADJ
ajis02-278	99	18	categories	category	NOUN
ajis02-278	99	19	.	.	PUNCT
ajis02-278	100	1	most	most	ADJ
ajis02-278	100	2	firms	firm	NOUN
ajis02-278	100	3	are	be	AUX
ajis02-278	100	4	quite	quite	ADV
ajis02-278	100	5	small	small	ADJ
ajis02-278	100	6	(	(	PUNCT
ajis02-278	100	7	less	less	ADJ
ajis02-278	100	8	than	than	ADP
ajis02-278	100	9	25	25	NUM
ajis02-278	100	10	employees	employee	NOUN
ajis02-278	100	11	)	)	PUNCT
ajis02-278	100	12	so	so	SCONJ
ajis02-278	100	13	that	that	SCONJ
ajis02-278	100	14	the	the	DET
ajis02-278	100	15	respondent	respondent	NOUN
ajis02-278	100	16	managers	manager	NOUN
ajis02-278	100	17	/	/	SYM
ajis02-278	100	18	owners	owner	NOUN
ajis02-278	100	19	are	be	AUX
ajis02-278	100	20	likely	likely	ADJ
ajis02-278	100	21	to	to	PART
ajis02-278	100	22	have	have	VERB
ajis02-278	100	23	close	close	ADJ
ajis02-278	100	24	supervision	supervision	NOUN
ajis02-278	100	25	of	of	ADP
ajis02-278	100	26	eftpos	eftpos	NOUN
ajis02-278	100	27	use	use	NOUN
ajis02-278	100	28	and	and	CCONJ
ajis02-278	100	29	banking	banking	NOUN
ajis02-278	100	30	activities	activity	NOUN
ajis02-278	100	31	.	.	PUNCT
ajis02-278	101	1	table	table	NOUN
ajis02-278	101	2	2	2	NUM
ajis02-278	101	3	industry	industry	NOUN
ajis02-278	101	4	and	and	CCONJ
ajis02-278	101	5	size	size	NOUN
ajis02-278	101	6	profile	profile	NOUN
ajis02-278	101	7	of	of	ADP
ajis02-278	101	8	merchant	merchant	NOUN
ajis02-278	101	9	respondents	respondent	NOUN
ajis02-278	101	10	number	number	NOUN
ajis02-278	101	11	of	of	ADP
ajis02-278	101	12	%	%	NOUN
ajis02-278	101	13	of	of	ADP
ajis02-278	101	14	respondents	respondent	NOUN
ajis02-278	101	15	total	total	VERB
ajis02-278	101	16	main	main	ADJ
ajis02-278	101	17	business	business	NOUN
ajis02-278	101	18	:	:	PUNCT
ajis02-278	101	19	department	department	PROPN
ajis02-278	101	20	&	&	CCONJ
ajis02-278	101	21	general	general	PROPN
ajis02-278	101	22	stores	stores	PROPN
ajis02-278	101	23	clothing	clothing	PROPN
ajis02-278	101	24	&	&	CCONJ
ajis02-278	101	25	fabrics	fabric	NOUN
ajis02-278	101	26	homewares	homeware	NOUN
ajis02-278	101	27	etc	etc	VERB
ajis02-278	101	28	petrol	petrol	NOUN
ajis02-278	101	29	retailers	retailer	NOUN
ajis02-278	101	30	food	food	NOUN
ajis02-278	101	31	specialty	specialty	NOUN
ajis02-278	101	32	retail	retail	ADJ
ajis02-278	101	33	hospitality	hospitality	NOUN
ajis02-278	101	34	services	service	NOUN
ajis02-278	101	35	pharmacies	pharmacy	NOUN
ajis02-278	101	36	number	number	NOUN
ajis02-278	101	37	of	of	ADP
ajis02-278	101	38	staff	staff	NOUN
ajis02-278	101	39	1	1	NUM
ajis02-278	101	40	5	5	NUM
ajis02-278	101	41	5	5	NUM
ajis02-278	101	42	25	25	NUM
ajis02-278	101	43	•	•	NUM
ajis02-278	101	44	25	25	NUM
ajis02-278	101	45	7	7	NUM
ajis02-278	101	46	21	21	NUM
ajis02-278	101	47	14	14	NUM
ajis02-278	101	48	7	7	NUM
ajis02-278	101	49	5	5	NUM
ajis02-278	101	50	35	35	NUM
ajis02-278	101	51	3	3	NUM
ajis02-278	101	52	6	6	NUM
ajis02-278	101	53	7	7	NUM
ajis02-278	101	54	105	105	NUM
ajis02-278	101	55	72	72	NUM
ajis02-278	101	56	27	27	NUM
ajis02-278	101	57	6	6	NUM
ajis02-278	101	58	105	105	NUM
ajis02-278	101	59	6.7	6.7	NUM
ajis02-278	101	60	20.0	20.0	NUM
ajis02-278	101	61	13.3	13.3	NUM
ajis02-278	101	62	6.7	6.7	NUM
ajis02-278	101	63	4.8	4.8	NUM
ajis02-278	101	64	33.3	33.3	NUM
ajis02-278	101	65	2.9	2.9	NUM
ajis02-278	101	66	5.7	5.7	NUM
ajis02-278	101	67	6.7	6.7	NUM
ajis02-278	101	68	100.0	100.0	NUM
ajis02-278	101	69	68.6	68.6	NUM
ajis02-278	101	70	25.7	25.7	NUM
ajis02-278	101	71	5.7	5.7	NUM
ajis02-278	101	72	100.0	100.0	NUM
ajis02-278	101	73	generally	generally	ADV
ajis02-278	101	74	,	,	PUNCT
ajis02-278	101	75	the	the	DET
ajis02-278	101	76	profiles	profile	NOUN
ajis02-278	101	77	of	of	ADP
ajis02-278	101	78	both	both	DET
ajis02-278	101	79	bank	bank	NOUN
ajis02-278	101	80	managers	manager	NOUN
ajis02-278	101	81	and	and	CCONJ
ajis02-278	101	82	merchants	merchant	NOUN
ajis02-278	101	83	suggest	suggest	VERB
ajis02-278	101	84	they	they	PRON
ajis02-278	101	85	are	be	AUX
ajis02-278	101	86	well	well	ADV
ajis02-278	101	87	placed	place	VERB
ajis02-278	101	88	to	to	PART
ajis02-278	101	89	comment	comment	VERB
ajis02-278	101	90	on	on	ADP
ajis02-278	101	91	the	the	DET
ajis02-278	101	92	various	various	ADJ
ajis02-278	101	93	issues	issue	NOUN
ajis02-278	101	94	and	and	CCONJ
ajis02-278	101	95	impacts	impact	NOUN
ajis02-278	101	96	considered	consider	VERB
ajis02-278	101	97	in	in	ADP
ajis02-278	101	98	the	the	DET
ajis02-278	101	99	questionnaires	questionnaire	NOUN
ajis02-278	101	100	.	.	PUNCT
ajis02-278	102	1	the	the	DET
ajis02-278	102	2	major	major	ADJ
ajis02-278	102	3	limitation	limitation	NOUN
ajis02-278	102	4	on	on	ADP
ajis02-278	102	5	the	the	DET
ajis02-278	102	6	data	data	NOUN
ajis02-278	102	7	set	set	VERB
ajis02-278	102	8	is	be	AUX
ajis02-278	102	9	the	the	DET
ajis02-278	102	10	uncertainty	uncertainty	NOUN
ajis02-278	102	11	of	of	ADP
ajis02-278	102	12	its	its	PRON
ajis02-278	102	13	representativeness	representativeness	NOUN
ajis02-278	102	14	of	of	ADP
ajis02-278	102	15	merchants	merchant	NOUN
ajis02-278	102	16	and	and	CCONJ
ajis02-278	102	17	bank	bank	NOUN
ajis02-278	102	18	branches	branch	NOUN
ajis02-278	102	19	outside	outside	ADP
ajis02-278	102	20	the	the	DET
ajis02-278	102	21	act	act	NOUN
ajis02-278	102	22	.	.	PUNCT
ajis02-278	103	1	analysis	analysis	NOUN
ajis02-278	103	2	of	of	ADP
ajis02-278	103	3	responses	response	NOUN
ajis02-278	103	4	the	the	DET
ajis02-278	103	5	analysis	analysis	NOUN
ajis02-278	103	6	of	of	ADP
ajis02-278	103	7	the	the	DET
ajis02-278	103	8	responses	response	NOUN
ajis02-278	103	9	are	be	AUX
ajis02-278	103	10	organised	organise	VERB
ajis02-278	103	11	under	under	ADP
ajis02-278	103	12	the	the	DET
ajis02-278	103	13	headings	heading	NOUN
ajis02-278	103	14	used	use	VERB
ajis02-278	103	15	in	in	ADP
ajis02-278	103	16	table	table	NOUN
ajis02-278	103	17	1	1	NUM
ajis02-278	103	18	.	.	PUNCT
ajis02-278	104	1	in	in	ADP
ajis02-278	104	2	each	each	DET
ajis02-278	104	3	case	case	NOUN
ajis02-278	104	4	,	,	PUNCT
ajis02-278	104	5	banks	bank	NOUN
ajis02-278	104	6	'	'	PART
ajis02-278	104	7	and	and	CCONJ
ajis02-278	104	8	merchants	merchant	NOUN
ajis02-278	104	9	'	'	PART
ajis02-278	104	10	views	view	NOUN
ajis02-278	104	11	are	be	AUX
ajis02-278	104	12	assessed	assess	VERB
ajis02-278	104	13	in	in	ADP
ajis02-278	104	14	terms	term	NOUN
ajis02-278	104	15	of	of	ADP
ajis02-278	104	16	implications	implication	NOUN
ajis02-278	104	17	for	for	ADP
ajis02-278	104	18	efficiency	efficiency	NOUN
ajis02-278	104	19	,	,	PUNCT
ajis02-278	104	20	effectiveness	effectiveness	NOUN
ajis02-278	104	21	and	and	CCONJ
ajis02-278	104	22	competitiveness	competitiveness	NOUN
ajis02-278	104	23	impacts	impact	NOUN
ajis02-278	104	24	.	.	PUNCT
ajis02-278	105	1	transaction	transaction	NOUN
ajis02-278	105	2	volumes	volume	NOUN
ajis02-278	105	3	bank	bank	NOUN
ajis02-278	105	4	managers	manager	NOUN
ajis02-278	105	5	and	and	CCONJ
ajis02-278	105	6	merchants	merchant	NOUN
ajis02-278	105	7	categorised	categorise	VERB
ajis02-278	105	8	the	the	DET
ajis02-278	105	9	extent	extent	NOUN
ajis02-278	105	10	to	to	PART
ajis02-278	105	11	which	which	PRON
ajis02-278	105	12	eftpos	eftpos	NOUN
ajis02-278	105	13	had	have	AUX
ajis02-278	105	14	substituted	substitute	VERB
ajis02-278	105	15	for	for	ADP
ajis02-278	105	16	other	other	ADJ
ajis02-278	105	17	types	type	NOUN
ajis02-278	105	18	of	of	ADP
ajis02-278	105	19	transactions	transaction	NOUN
ajis02-278	105	20	(	(	PUNCT
ajis02-278	105	21	cheque	cheque	NOUN
ajis02-278	105	22	,	,	PUNCT
ajis02-278	105	23	credit	credit	NOUN
ajis02-278	105	24	card	card	NOUN
ajis02-278	105	25	and	and	CCONJ
ajis02-278	105	26	cash).[8	cash).[8	NOUN
ajis02-278	105	27	]	]	PUNCT
ajis02-278	105	28	this	this	PRON
ajis02-278	105	29	is	be	AUX
ajis02-278	105	30	a	a	DET
ajis02-278	105	31	difficult	difficult	ADJ
ajis02-278	105	32	task	task	NOUN
ajis02-278	105	33	for	for	ADP
ajis02-278	105	34	the	the	DET
ajis02-278	105	35	bank	bank	NOUN
ajis02-278	105	36	managers	manager	NOUN
ajis02-278	105	37	who	who	PRON
ajis02-278	105	38	may	may	AUX
ajis02-278	105	39	not	not	PART
ajis02-278	105	40	have	have	VERB
ajis02-278	105	41	adequate	adequate	ADJ
ajis02-278	105	42	information	information	NOUN
ajis02-278	105	43	regarding	regard	VERB
ajis02-278	105	44	the	the	DET
ajis02-278	105	45	composition	composition	NOUN
ajis02-278	105	46	of	of	ADP
ajis02-278	105	47	branch	branch	NOUN
ajis02-278	105	48	transactions	transaction	NOUN
ajis02-278	105	49	or	or	CCONJ
ajis02-278	105	50	their	their	PRON
ajis02-278	105	51	breakdown	breakdown	NOUN
ajis02-278	105	52	by	by	ADP
ajis02-278	105	53	customer	customer	NOUN
ajis02-278	105	54	type	type	NOUN
ajis02-278	105	55	.	.	PUNCT
ajis02-278	106	1	half	half	NOUN
ajis02-278	106	2	of	of	ADP
ajis02-278	106	3	the	the	DET
ajis02-278	106	4	bank	bank	NOUN
ajis02-278	106	5	managers	manager	NOUN
ajis02-278	106	6	were	be	AUX
ajis02-278	106	7	unable	unable	ADJ
ajis02-278	106	8	to	to	PART
ajis02-278	106	9	estimate	estimate	VERB
ajis02-278	106	10	these	these	DET
ajis02-278	106	11	effects	effect	NOUN
ajis02-278	106	12	.	.	PUNCT
ajis02-278	107	1	of	of	ADP
ajis02-278	107	2	those	those	PRON
ajis02-278	107	3	that	that	PRON
ajis02-278	107	4	gave	give	VERB
ajis02-278	107	5	estimates	estimate	NOUN
ajis02-278	107	6	,	,	PUNCT
ajis02-278	107	7	results	result	NOUN
ajis02-278	107	8	were	be	AUX
ajis02-278	107	9	so	so	ADV
ajis02-278	107	10	diverse	diverse	ADJ
ajis02-278	107	11	that	that	SCONJ
ajis02-278	107	12	no	no	DET
ajis02-278	107	13	clear	clear	ADJ
ajis02-278	107	14	view	view	NOUN
ajis02-278	107	15	of	of	ADP
ajis02-278	107	16	changes	change	NOUN
ajis02-278	107	17	can	can	AUX
ajis02-278	107	18	be	be	AUX
ajis02-278	107	19	obtained	obtain	VERB
ajis02-278	107	20	from	from	ADP
ajis02-278	107	21	banks	bank	NOUN
ajis02-278	107	22	'	'	PART
ajis02-278	107	23	responses	response	NOUN
ajis02-278	107	24	alone	alone	ADV
ajis02-278	107	25	.	.	PUNCT
ajis02-278	108	1	the	the	DET
ajis02-278	108	2	impact	impact	NOUN
ajis02-278	108	3	of	of	ADP
ajis02-278	108	4	eftpos	eftpos	NOUN
ajis02-278	108	5	on	on	ADP
ajis02-278	108	6	cheque	cheque	NOUN
ajis02-278	108	7	deposits	deposit	NOUN
ajis02-278	108	8	was	be	AUX
ajis02-278	108	9	described	describe	VERB
ajis02-278	108	10	as	as	ADP
ajis02-278	108	11	positive	positive	ADJ
ajis02-278	108	12	(	(	PUNCT
ajis02-278	108	13	increasing	increase	VERB
ajis02-278	108	14	)	)	PUNCT
ajis02-278	108	15	by	by	ADP
ajis02-278	108	16	5	5	NUM
ajis02-278	108	17	respondents	respondent	NOUN
ajis02-278	108	18	,	,	PUNCT
ajis02-278	108	19	negative	negative	ADJ
ajis02-278	108	20	by	by	ADP
ajis02-278	108	21	3	3	NUM
ajis02-278	108	22	and	and	CCONJ
ajis02-278	108	23	no	no	DET
ajis02-278	108	24	change	change	NOUN
ajis02-278	108	25	by	by	ADP
ajis02-278	108	26	2	2	NUM
ajis02-278	108	27	;	;	PUNCT
ajis02-278	108	28	impact	impact	NOUN
ajis02-278	108	29	on	on	ADP
ajis02-278	108	30	cash	cash	NOUN
ajis02-278	108	31	deposits	deposit	NOUN
ajis02-278	108	32	were	be	AUX
ajis02-278	108	33	described	describe	VERB
ajis02-278	108	34	as	as	ADP
ajis02-278	108	35	3	3	NUM
ajis02-278	108	36	positive	positive	ADJ
ajis02-278	108	37	,	,	PUNCT
ajis02-278	108	38	2	2	NUM
ajis02-278	108	39	negative	negative	ADJ
ajis02-278	108	40	and	and	CCONJ
ajis02-278	108	41	5	5	NUM
ajis02-278	108	42	no	no	DET
ajis02-278	108	43	change	change	NOUN
ajis02-278	108	44	.	.	PUNCT
ajis02-278	109	1	cash	cash	NOUN
ajis02-278	109	2	withdrawals	withdrawal	NOUN
ajis02-278	109	3	had	have	VERB
ajis02-278	109	4	greater	great	ADJ
ajis02-278	109	5	consensus	consensus	NOUN
ajis02-278	109	6	with	with	ADP
ajis02-278	109	7	7	7	NUM
ajis02-278	109	8	positive	positive	ADJ
ajis02-278	109	9	and	and	CCONJ
ajis02-278	109	10	3	3	NUM
ajis02-278	109	11	negative	negative	ADJ
ajis02-278	109	12	.	.	PUNCT
ajis02-278	110	1	overall	overall	ADV
ajis02-278	110	2	,	,	PUNCT
ajis02-278	110	3	this	this	PRON
ajis02-278	110	4	is	be	AUX
ajis02-278	110	5	contrary	contrary	ADJ
ajis02-278	110	6	to	to	ADP
ajis02-278	110	7	expectations	expectation	NOUN
ajis02-278	110	8	.	.	PUNCT
ajis02-278	111	1	while	while	SCONJ
ajis02-278	111	2	bank	bank	NOUN
ajis02-278	111	3	managers	manager	NOUN
ajis02-278	111	4	may	may	AUX
ajis02-278	111	5	have	have	VERB
ajis02-278	111	6	difficulty	difficulty	NOUN
ajis02-278	111	7	in	in	ADP
ajis02-278	111	8	addressing	address	VERB
ajis02-278	111	9	such	such	ADJ
ajis02-278	111	10	details	detail	NOUN
ajis02-278	111	11	if	if	SCONJ
ajis02-278	111	12	all	all	DET
ajis02-278	111	13	transaction	transaction	NOUN
ajis02-278	111	14	levels	level	NOUN
ajis02-278	111	15	for	for	ADP
ajis02-278	111	16	branches	branch	NOUN
ajis02-278	111	17	has	have	AUX
ajis02-278	111	18	increased	increase	VERB
ajis02-278	111	19	substantially	substantially	ADV
ajis02-278	111	20	in	in	ADP
ajis02-278	111	21	recent	recent	ADJ
ajis02-278	111	22	years	year	NOUN
ajis02-278	111	23	,	,	PUNCT
ajis02-278	111	24	the	the	DET
ajis02-278	111	25	absence	absence	NOUN
ajis02-278	111	26	of	of	ADP
ajis02-278	111	27	data	datum	NOUN
ajis02-278	111	28	regarding	regard	VERB
ajis02-278	111	29	changes	change	NOUN
ajis02-278	111	30	in	in	ADP
ajis02-278	111	31	transaction	transaction	NOUN
ajis02-278	111	32	volumes	volume	NOUN
ajis02-278	111	33	for	for	ADP
ajis02-278	111	34	individual	individual	ADJ
ajis02-278	111	35	branches	branch	NOUN
ajis02-278	111	36	leaves	leave	VERB
ajis02-278	111	37	this	this	PRON
ajis02-278	111	38	as	as	ADP
ajis02-278	111	39	conjecture	conjecture	NOUN
ajis02-278	111	40	.	.	PUNCT
ajis02-278	112	1	those	those	DET
ajis02-278	112	2	managers	manager	NOUN
ajis02-278	112	3	that	that	PRON
ajis02-278	112	4	identified	identify	VERB
ajis02-278	112	5	an	an	DET
ajis02-278	112	6	increase	increase	NOUN
ajis02-278	112	7	in	in	ADP
ajis02-278	112	8	cheque	cheque	NOUN
ajis02-278	112	9	or	or	CCONJ
ajis02-278	112	10	cash	cash	NOUN
ajis02-278	112	11	deposit	deposit	NOUN
ajis02-278	112	12	activities	activity	NOUN
ajis02-278	112	13	,	,	PUNCT
ajis02-278	112	14	which	which	PRON
ajis02-278	112	15	is	be	AUX
ajis02-278	112	16	logically	logically	ADV
ajis02-278	112	17	inconsistent	inconsistent	ADJ
ajis02-278	112	18	with	with	ADP
ajis02-278	112	19	eftpos	eftpos	NOUN
ajis02-278	112	20	,	,	PUNCT
ajis02-278	112	21	are	be	AUX
ajis02-278	112	22	evidence	evidence	NOUN
ajis02-278	112	23	of	of	ADP
ajis02-278	112	24	the	the	DET
ajis02-278	112	25	difficulty	difficulty	NOUN
ajis02-278	112	26	in	in	ADP
ajis02-278	112	27	separating	separate	VERB
ajis02-278	112	28	the	the	DET
ajis02-278	112	29	impacts	impact	NOUN
ajis02-278	112	30	of	of	ADP
ajis02-278	112	31	specific	specific	ADJ
ajis02-278	112	32	changes	change	NOUN
ajis02-278	112	33	including	include	VERB
ajis02-278	112	34	generally	generally	ADV
ajis02-278	112	35	increasing	increase	VERB
ajis02-278	112	36	activity	activity	NOUN
ajis02-278	112	37	levels	level	NOUN
ajis02-278	112	38	.	.	PUNCT
ajis02-278	113	1	the	the	DET
ajis02-278	113	2	apparent	apparent	ADJ
ajis02-278	113	3	increase	increase	NOUN
ajis02-278	113	4	in	in	ADP
ajis02-278	113	5	atm	atm	PROPN
ajis02-278	113	6	withdrawals	withdrawal	NOUN
ajis02-278	113	7	at	at	ADP
ajis02-278	113	8	branches	branch	NOUN
ajis02-278	113	9	may	may	AUX
ajis02-278	113	10	indicate	indicate	VERB
ajis02-278	113	11	a	a	DET
ajis02-278	113	12	product	product	NOUN
ajis02-278	113	13	complementarity	complementarity	NOUN
ajis02-278	113	14	impact	impact	NOUN
ajis02-278	113	15	for	for	ADP
ajis02-278	113	16	banks	bank	NOUN
ajis02-278	113	17	whereby	whereby	SCONJ
ajis02-278	113	18	eftpos	eftpos	NOUN
ajis02-278	113	19	encouraged	encourage	VERB
ajis02-278	113	20	greater	great	ADJ
ajis02-278	113	21	take	take	VERB
ajis02-278	113	22	-	-	PUNCT
ajis02-278	113	23	up	up	NOUN
ajis02-278	113	24	and	and	CCONJ
ajis02-278	113	25	use	use	NOUN
ajis02-278	113	26	of	of	ADP
ajis02-278	113	27	electronic	electronic	ADJ
ajis02-278	113	28	facilities	facility	NOUN
ajis02-278	113	29	by	by	ADP
ajis02-278	113	30	non	non	ADJ
ajis02-278	113	31	-	-	ADJ
ajis02-278	113	32	merchant	merchant	ADJ
ajis02-278	113	33	customers	customer	NOUN
ajis02-278	113	34	.	.	PUNCT
ajis02-278	114	1	however	however	ADV
ajis02-278	114	2	,	,	PUNCT
ajis02-278	114	3	the	the	DET
ajis02-278	114	4	extent	extent	NOUN
ajis02-278	114	5	of	of	ADP
ajis02-278	114	6	other	other	ADJ
ajis02-278	114	7	concurrent	concurrent	ADJ
ajis02-278	114	8	banking	banking	NOUN
ajis02-278	114	9	changes	change	NOUN
ajis02-278	114	10	that	that	PRON
ajis02-278	114	11	may	may	AUX
ajis02-278	114	12	pertain	pertain	VERB
ajis02-278	114	13	to	to	ADP
ajis02-278	114	14	this	this	DET
ajis02-278	114	15	effect	effect	NOUN
ajis02-278	114	16	places	place	VERB
ajis02-278	114	17	it	it	PRON
ajis02-278	114	18	beyond	beyond	ADP
ajis02-278	114	19	the	the	DET
ajis02-278	114	20	scope	scope	NOUN
ajis02-278	114	21	of	of	ADP
ajis02-278	114	22	this	this	DET
ajis02-278	114	23	investigation	investigation	NOUN
ajis02-278	114	24	.	.	PUNCT
ajis02-278	115	1	the	the	DET
ajis02-278	115	2	merchants	merchant	NOUN
ajis02-278	115	3	'	'	PART
ajis02-278	115	4	perceptions	perception	NOUN
ajis02-278	115	5	offer	offer	VERB
ajis02-278	115	6	a	a	DET
ajis02-278	115	7	more	more	ADV
ajis02-278	115	8	consistent	consistent	ADJ
ajis02-278	115	9	and	and	CCONJ
ajis02-278	115	10	seemingly	seemingly	ADV
ajis02-278	115	11	more	more	ADV
ajis02-278	115	12	reliable	reliable	ADJ
ajis02-278	115	13	guide	guide	NOUN
ajis02-278	115	14	as	as	ADP
ajis02-278	115	15	to	to	ADP
ajis02-278	115	16	the	the	DET
ajis02-278	115	17	extent	extent	NOUN
ajis02-278	115	18	and	and	CCONJ
ajis02-278	115	19	nature	nature	NOUN
ajis02-278	115	20	of	of	ADP
ajis02-278	115	21	these	these	DET
ajis02-278	115	22	impacts	impact	NOUN
ajis02-278	115	23	.	.	PUNCT
ajis02-278	116	1	table	table	NOUN
ajis02-278	116	2	3	3	NUM
ajis02-278	116	3	describes	describe	VERB
ajis02-278	116	4	merchants	merchant	NOUN
ajis02-278	116	5	'	'	PART
ajis02-278	116	6	responses	response	NOUN
ajis02-278	116	7	,	,	PUNCT
ajis02-278	116	8	adjusted	adjust	VERB
ajis02-278	116	9	for	for	ADP
ajis02-278	116	10	those	those	PRON
ajis02-278	116	11	that	that	PRON
ajis02-278	116	12	do	do	AUX
ajis02-278	116	13	not	not	PART
ajis02-278	116	14	accept	accept	VERB
ajis02-278	116	15	cheques	cheque	NOUN
ajis02-278	116	16	or	or	CCONJ
ajis02-278	116	17	credit	credit	NOUN
ajis02-278	116	18	cards	card	NOUN
ajis02-278	116	19	.	.	PUNCT
ajis02-278	117	1	approximately	approximately	ADV
ajis02-278	117	2	three	three	NUM
ajis02-278	117	3	quarters	quarter	NOUN
ajis02-278	117	4	of	of	ADP
ajis02-278	117	5	respondents	respondent	NOUN
ajis02-278	117	6	described	describe	VERB
ajis02-278	117	7	reductions	reduction	NOUN
ajis02-278	117	8	in	in	ADP
ajis02-278	117	9	cheques	cheque	NOUN
ajis02-278	117	10	and	and	CCONJ
ajis02-278	117	11	credit	credit	NOUN
ajis02-278	117	12	card	card	NOUN
ajis02-278	117	13	transactions	transaction	NOUN
ajis02-278	117	14	as	as	ADP
ajis02-278	117	15	a	a	DET
ajis02-278	117	16	result	result	NOUN
ajis02-278	117	17	of	of	ADP
ajis02-278	117	18	adopting	adopt	VERB
ajis02-278	117	19	eftpos	eftpos	NOUN
ajis02-278	117	20	while	while	SCONJ
ajis02-278	117	21	about	about	ADV
ajis02-278	117	22	half	half	NOUN
ajis02-278	117	23	(	(	PUNCT
ajis02-278	117	24	48	48	NUM
ajis02-278	117	25	%	%	NOUN
ajis02-278	117	26	)	)	PUNCT
ajis02-278	117	27	identified	identify	VERB
ajis02-278	117	28	some	some	DET
ajis02-278	117	29	substitution	substitution	NOUN
ajis02-278	117	30	for	for	ADP
ajis02-278	117	31	cash	cash	NOUN
ajis02-278	117	32	transactions	transaction	NOUN
ajis02-278	117	33	.	.	PUNCT
ajis02-278	118	1	while	while	SCONJ
ajis02-278	118	2	most	most	ADJ
ajis02-278	118	3	of	of	ADP
ajis02-278	118	4	these	these	DET
ajis02-278	118	5	'	'	PUNCT
ajis02-278	118	6	bank	bank	NOUN
ajis02-278	118	7	managers	manager	NOUN
ajis02-278	118	8	were	be	AUX
ajis02-278	118	9	not	not	PART
ajis02-278	118	10	be	be	AUX
ajis02-278	118	11	expected	expect	VERB
ajis02-278	118	12	to	to	PART
ajis02-278	118	13	have	have	VERB
ajis02-278	118	14	knowledge	knowledge	NOUN
ajis02-278	118	15	of	of	ADP
ajis02-278	118	16	the	the	DET
ajis02-278	118	17	timing	timing	NOUN
ajis02-278	118	18	individual	individual	ADJ
ajis02-278	118	19	merchant	merchant	NOUN
ajis02-278	118	20	adoption	adoption	NOUN
ajis02-278	118	21	of	of	ADP
ajis02-278	118	22	eftpos	eftpos	NOUN
ajis02-278	118	23	and	and	CCONJ
ajis02-278	118	24	therefore	therefore	ADV
ajis02-278	118	25	were	be	AUX
ajis02-278	118	26	asked	ask	VERB
ajis02-278	118	27	to	to	PART
ajis02-278	118	28	evaluate	evaluate	VERB
ajis02-278	118	29	changes	change	NOUN
ajis02-278	118	30	over	over	ADP
ajis02-278	118	31	the	the	DET
ajis02-278	118	32	past	past	ADJ
ajis02-278	118	33	three	three	NUM
ajis02-278	118	34	years	year	NOUN
ajis02-278	118	35	,	,	PUNCT
ajis02-278	118	36	which	which	PRON
ajis02-278	118	37	coincides	coincide	VERB
ajis02-278	118	38	with	with	ADP
ajis02-278	118	39	the	the	DET
ajis02-278	118	40	spread	spread	NOUN
ajis02-278	118	41	of	of	ADP
ajis02-278	118	42	eftpos	eftpos	NOUN
ajis02-278	118	43	through	through	ADP
ajis02-278	118	44	the	the	DET
ajis02-278	118	45	merchant	merchant	NOUN
ajis02-278	118	46	sample	sample	NOUN
ajis02-278	118	47	90	90	NUM
ajis02-278	118	48	%	%	NOUN
ajis02-278	118	49	of	of	ADP
ajis02-278	118	50	whom	whom	PRON
ajis02-278	118	51	indicated	indicate	VERB
ajis02-278	118	52	that	that	SCONJ
ajis02-278	118	53	they	they	PRON
ajis02-278	118	54	had	have	AUX
ajis02-278	118	55	installed	instal	VERB
ajis02-278	118	56	eftpos	eftpos	NOUN
ajis02-278	118	57	within	within	ADP
ajis02-278	118	58	the	the	DET
ajis02-278	118	59	last	last	ADJ
ajis02-278	118	60	three	three	NUM
ajis02-278	118	61	years	year	NOUN
ajis02-278	118	62	(	(	PUNCT
ajis02-278	118	63	75	75	NUM
ajis02-278	118	64	%	%	NOUN
ajis02-278	118	65	within	within	ADP
ajis02-278	118	66	the	the	DET
ajis02-278	118	67	last	last	ADJ
ajis02-278	118	68	18	18	NUM
ajis02-278	118	69	months	month	NOUN
ajis02-278	118	70	)	)	PUNCT
ajis02-278	118	71	.	.	PUNCT
ajis02-278	119	1	73	73	NUM
ajis02-278	119	2	ajis	ajis	NOUN
ajis02-278	119	3	vol	vol	NOUN
ajis02-278	119	4	.	.	PUNCT
ajis02-278	120	1	7	7	NUM
ajis02-278	120	2	,	,	PUNCT
ajis02-278	120	3	no	no	DET
ajis02-278	120	4	2	2	NUM
ajis02-278	120	5	may	may	NOUN
ajis02-278	120	6	2000	2000	NUM
ajis02-278	120	7	substitutions	substitution	NOUN
ajis02-278	120	8	,	,	PUNCT
ajis02-278	120	9	were	be	AUX
ajis02-278	120	10	placed	place	VERB
ajis02-278	120	11	in	in	ADP
ajis02-278	120	12	the	the	DET
ajis02-278	120	13	lesser	less	ADJ
ajis02-278	120	14	category	category	NOUN
ajis02-278	120	15	(	(	PUNCT
ajis02-278	120	16	"	"	PUNCT
ajis02-278	120	17	some	some	DET
ajis02-278	120	18	decrease	decrease	NOUN
ajis02-278	120	19	"	"	PUNCT
ajis02-278	120	20	)	)	PUNCT
ajis02-278	120	21	,	,	PUNCT
ajis02-278	120	22	"	"	PUNCT
ajis02-278	120	23	large	large	ADJ
ajis02-278	120	24	decreases	decrease	NOUN
ajis02-278	120	25	"	"	PUNCT
ajis02-278	120	26	were	be	AUX
ajis02-278	120	27	attributed	attribute	VERB
ajis02-278	120	28	in	in	ADP
ajis02-278	120	29	32	32	NUM
ajis02-278	120	30	%	%	NOUN
ajis02-278	120	31	of	of	ADP
ajis02-278	120	32	cases	case	NOUN
ajis02-278	120	33	for	for	ADP
ajis02-278	120	34	cheques	cheque	NOUN
ajis02-278	120	35	,	,	PUNCT
ajis02-278	120	36	19	19	NUM
ajis02-278	120	37	%	%	NOUN
ajis02-278	120	38	of	of	ADP
ajis02-278	120	39	cases	case	NOUN
ajis02-278	120	40	for	for	ADP
ajis02-278	120	41	credit	credit	NOUN
ajis02-278	120	42	cards	card	NOUN
ajis02-278	120	43	and	and	CCONJ
ajis02-278	120	44	14	14	NUM
ajis02-278	120	45	%	%	NOUN
ajis02-278	120	46	of	of	ADP
ajis02-278	120	47	cases	case	NOUN
ajis02-278	120	48	for	for	ADP
ajis02-278	120	49	cash	cash	NOUN
ajis02-278	120	50	.	.	PUNCT
ajis02-278	121	1	the	the	DET
ajis02-278	121	2	implication	implication	NOUN
ajis02-278	121	3	of	of	ADP
ajis02-278	121	4	these	these	DET
ajis02-278	121	5	merchants	merchant	NOUN
ajis02-278	121	6	'	'	PART
ajis02-278	121	7	responses	response	NOUN
ajis02-278	121	8	for	for	ADP
ajis02-278	121	9	the	the	DET
ajis02-278	121	10	bank	bank	NOUN
ajis02-278	121	11	perspective	perspective	NOUN
ajis02-278	121	12	is	be	AUX
ajis02-278	121	13	important	important	ADJ
ajis02-278	121	14	.	.	PUNCT
ajis02-278	122	1	while	while	SCONJ
ajis02-278	122	2	banks	bank	NOUN
ajis02-278	122	3	identified	identify	VERB
ajis02-278	122	4	little	little	ADJ
ajis02-278	122	5	overall	overall	ADJ
ajis02-278	122	6	change	change	NOUN
ajis02-278	122	7	in	in	ADP
ajis02-278	122	8	cheque	cheque	NOUN
ajis02-278	122	9	deposits	deposit	NOUN
ajis02-278	122	10	,	,	PUNCT
ajis02-278	122	11	merchants	merchant	NOUN
ajis02-278	122	12	'	'	PART
ajis02-278	122	13	reports	report	NOUN
ajis02-278	122	14	of	of	ADP
ajis02-278	122	15	decreased	decrease	VERB
ajis02-278	122	16	cheque	cheque	NOUN
ajis02-278	122	17	volumes	volume	NOUN
ajis02-278	122	18	imply	imply	VERB
ajis02-278	122	19	efficiency	efficiency	NOUN
ajis02-278	122	20	gains	gain	NOUN
ajis02-278	122	21	in	in	ADP
ajis02-278	122	22	the	the	DET
ajis02-278	122	23	clerical	clerical	ADJ
ajis02-278	122	24	aspects	aspect	NOUN
ajis02-278	122	25	of	of	ADP
ajis02-278	122	26	cheque	cheque	NOUN
ajis02-278	122	27	processing	processing	NOUN
ajis02-278	122	28	at	at	ADP
ajis02-278	122	29	branches	branch	NOUN
ajis02-278	122	30	with	with	ADP
ajis02-278	122	31	fewer	few	ADJ
ajis02-278	122	32	cheques	cheque	NOUN
ajis02-278	122	33	to	to	PART
ajis02-278	122	34	be	be	AUX
ajis02-278	122	35	entered	enter	VERB
ajis02-278	122	36	by	by	ADP
ajis02-278	122	37	counter	counter	NOUN
ajis02-278	122	38	staff	staff	NOUN
ajis02-278	122	39	when	when	SCONJ
ajis02-278	122	40	accepting	accept	VERB
ajis02-278	122	41	deposits	deposit	NOUN
ajis02-278	122	42	and	and	CCONJ
ajis02-278	122	43	less	less	ADV
ajis02-278	122	44	sorting	sorting	NOUN
ajis02-278	122	45	and	and	CCONJ
ajis02-278	122	46	validation	validation	NOUN
ajis02-278	122	47	activity	activity	NOUN
ajis02-278	122	48	.	.	PUNCT
ajis02-278	123	1	the	the	DET
ajis02-278	123	2	lower	low	ADJ
ajis02-278	123	3	incidence	incidence	NOUN
ajis02-278	123	4	of	of	ADP
ajis02-278	123	5	substitution	substitution	NOUN
ajis02-278	123	6	of	of	ADP
ajis02-278	123	7	eftpos	eftpos	NOUN
ajis02-278	123	8	for	for	ADP
ajis02-278	123	9	cash	cash	NOUN
ajis02-278	123	10	transactions	transaction	NOUN
ajis02-278	123	11	for	for	ADP
ajis02-278	123	12	merchants	merchant	NOUN
ajis02-278	123	13	and	and	CCONJ
ajis02-278	123	14	apparent	apparent	ADJ
ajis02-278	123	15	increases	increase	NOUN
ajis02-278	123	16	in	in	ADP
ajis02-278	123	17	bank	bank	NOUN
ajis02-278	123	18	dealings	dealing	NOUN
ajis02-278	123	19	in	in	ADP
ajis02-278	123	20	cash	cash	NOUN
ajis02-278	123	21	suggests	suggest	VERB
ajis02-278	123	22	that	that	SCONJ
ajis02-278	123	23	any	any	DET
ajis02-278	123	24	efficiencies	efficiency	NOUN
ajis02-278	123	25	arising	arise	VERB
ajis02-278	123	26	for	for	ADP
ajis02-278	123	27	merchants	merchant	NOUN
ajis02-278	123	28	and	and	CCONJ
ajis02-278	123	29	banks	bank	NOUN
ajis02-278	123	30	through	through	ADP
ajis02-278	123	31	reduced	reduce	VERB
ajis02-278	123	32	cash	cash	NOUN
ajis02-278	123	33	handling	handling	NOUN
ajis02-278	123	34	may	may	AUX
ajis02-278	123	35	be	be	AUX
ajis02-278	123	36	minor	minor	ADJ
ajis02-278	123	37	at	at	ADP
ajis02-278	123	38	best	well	ADV
ajis02-278	123	39	.	.	PUNCT
ajis02-278	124	1	this	this	PRON
ajis02-278	124	2	is	be	AUX
ajis02-278	124	3	discussed	discuss	VERB
ajis02-278	124	4	below	below	ADV
ajis02-278	124	5	in	in	ADP
ajis02-278	124	6	terms	term	NOUN
ajis02-278	124	7	of	of	ADP
ajis02-278	124	8	the	the	DET
ajis02-278	124	9	frequency	frequency	NOUN
ajis02-278	124	10	merchant	merchant	NOUN
ajis02-278	124	11	contact	contact	NOUN
ajis02-278	124	12	with	with	ADP
ajis02-278	124	13	banks	bank	NOUN
ajis02-278	124	14	.	.	PUNCT
ajis02-278	125	1	the	the	DET
ajis02-278	125	2	flow	flow	NOUN
ajis02-278	125	3	-	-	PUNCT
ajis02-278	125	4	on	on	ADP
ajis02-278	125	5	effectiveness	effectiveness	NOUN
ajis02-278	125	6	and	and	CCONJ
ajis02-278	125	7	competitiveness	competitiveness	NOUN
ajis02-278	125	8	impacts	impact	NOUN
ajis02-278	125	9	of	of	ADP
ajis02-278	125	10	transaction	transaction	NOUN
ajis02-278	125	11	type	type	NOUN
ajis02-278	125	12	substitution	substitution	NOUN
ajis02-278	125	13	also	also	ADV
ajis02-278	125	14	may	may	AUX
ajis02-278	125	15	arise	arise	VERB
ajis02-278	125	16	with	with	ADP
ajis02-278	125	17	the	the	DET
ajis02-278	125	18	nature	nature	NOUN
ajis02-278	125	19	of	of	ADP
ajis02-278	125	20	bank	bank	NOUN
ajis02-278	125	21	contact	contact	NOUN
ajis02-278	125	22	with	with	ADP
ajis02-278	125	23	merchants	merchant	NOUN
ajis02-278	125	24	and	and	CCONJ
ajis02-278	125	25	delivery	delivery	NOUN
ajis02-278	125	26	of	of	ADP
ajis02-278	125	27	other	other	ADJ
ajis02-278	125	28	products	product	NOUN
ajis02-278	125	29	and	and	CCONJ
ajis02-278	125	30	services	service	NOUN
ajis02-278	125	31	as	as	SCONJ
ajis02-278	125	32	discussed	discuss	VERB
ajis02-278	125	33	below	below	ADV
ajis02-278	125	34	.	.	PUNCT
ajis02-278	126	1	table	table	NOUN
ajis02-278	126	2	3	3	NUM
ajis02-278	126	3	merchants	merchant	NOUN
ajis02-278	126	4	'	'	PART
ajis02-278	126	5	descriptions	description	NOUN
ajis02-278	126	6	of	of	ADP
ajis02-278	126	7	substitution	substitution	NOUN
ajis02-278	126	8	of	of	ADP
ajis02-278	126	9	eftpos	eftpos	NOUN
ajis02-278	126	10	for	for	ADP
ajis02-278	126	11	other	other	ADJ
ajis02-278	126	12	transaction	transaction	NOUN
ajis02-278	126	13	types	type	NOUN
ajis02-278	126	14	%	%	NOUN
ajis02-278	126	15	of	of	ADP
ajis02-278	126	16	merchant	merchant	NOUN
ajis02-278	126	17	respondents	respondent	NOUN
ajis02-278	126	18	transaction	transaction	NOUN
ajis02-278	126	19	type	type	NOUN
ajis02-278	126	20	cheque	cheque	NOUN
ajis02-278	126	21	credit	credit	NOUN
ajis02-278	126	22	card	card	NOUN
ajis02-278	126	23	cash	cash	NOUN
ajis02-278	126	24	some	some	DET
ajis02-278	126	25	decrease	decrease	NOUN
ajis02-278	126	26	40	40	NUM
ajis02-278	126	27	56	56	NUM
ajis02-278	126	28	35	35	NUM
ajis02-278	126	29	little	little	ADJ
ajis02-278	126	30	or	or	CCONJ
ajis02-278	126	31	no	no	PRON
ajis02-278	126	32	change	change	NOUN
ajis02-278	126	33	8	8	NUM
ajis02-278	126	34	2	2	NUM
ajis02-278	126	35	35	35	NUM
ajis02-278	126	36	some	some	DET
ajis02-278	126	37	increase	increase	NOUN
ajis02-278	126	38	32	32	NUM
ajis02-278	126	39	19	19	NUM
ajis02-278	126	40	13	13	NUM
ajis02-278	126	41	unsure	unsure	ADJ
ajis02-278	126	42	20	20	NUM
ajis02-278	126	43	23	23	NUM
ajis02-278	126	44	17	17	NUM
ajis02-278	126	45	total	total	NOUN
ajis02-278	126	46	100	100	NUM
ajis02-278	126	47	100	100	NUM
ajis02-278	126	48	100	100	NUM
ajis02-278	126	49	contact	contact	NOUN
ajis02-278	126	50	with	with	ADP
ajis02-278	126	51	banks	bank	NOUN
ajis02-278	126	52	while	while	SCONJ
ajis02-278	126	53	the	the	DET
ajis02-278	126	54	reduction	reduction	NOUN
ajis02-278	126	55	in	in	ADP
ajis02-278	126	56	cheque	cheque	NOUN
ajis02-278	126	57	volumes	volume	NOUN
ajis02-278	126	58	suggests	suggest	VERB
ajis02-278	126	59	merchants	merchant	NOUN
ajis02-278	126	60	have	have	VERB
ajis02-278	126	61	opportunities	opportunity	NOUN
ajis02-278	126	62	for	for	ADP
ajis02-278	126	63	reducing	reduce	VERB
ajis02-278	126	64	the	the	DET
ajis02-278	126	65	frequency	frequency	NOUN
ajis02-278	126	66	of	of	ADP
ajis02-278	126	67	branch	branch	NOUN
ajis02-278	126	68	deposits	deposit	NOUN
ajis02-278	126	69	,	,	PUNCT
ajis02-278	126	70	this	this	PRON
ajis02-278	126	71	may	may	AUX
ajis02-278	126	72	continue	continue	VERB
ajis02-278	126	73	to	to	PART
ajis02-278	126	74	be	be	AUX
ajis02-278	126	75	moderated	moderate	VERB
ajis02-278	126	76	by	by	ADP
ajis02-278	126	77	the	the	DET
ajis02-278	126	78	degree	degree	NOUN
ajis02-278	126	79	of	of	ADP
ajis02-278	126	80	risk	risk	NOUN
ajis02-278	126	81	attached	attach	VERB
ajis02-278	126	82	to	to	ADP
ajis02-278	126	83	holding	hold	VERB
ajis02-278	126	84	cash	cash	NOUN
ajis02-278	126	85	.	.	PUNCT
ajis02-278	127	1	a	a	DET
ajis02-278	127	2	small	small	ADJ
ajis02-278	127	3	proportion	proportion	NOUN
ajis02-278	127	4	of	of	ADP
ajis02-278	127	5	merchants	merchant	NOUN
ajis02-278	127	6	(	(	PUNCT
ajis02-278	127	7	18	18	NUM
ajis02-278	127	8	%	%	NOUN
ajis02-278	127	9	)	)	PUNCT
ajis02-278	127	10	reported	report	VERB
ajis02-278	127	11	that	that	SCONJ
ajis02-278	127	12	they	they	PRON
ajis02-278	127	13	reduced	reduce	VERB
ajis02-278	127	14	the	the	DET
ajis02-278	127	15	frequency	frequency	NOUN
ajis02-278	127	16	of	of	ADP
ajis02-278	127	17	their	their	PRON
ajis02-278	127	18	visits	visit	NOUN
ajis02-278	127	19	to	to	ADP
ajis02-278	127	20	bank	bank	NOUN
ajis02-278	127	21	branches	branch	NOUN
ajis02-278	127	22	.	.	PUNCT
ajis02-278	128	1	this	this	PRON
ajis02-278	128	2	appears	appear	VERB
ajis02-278	128	3	to	to	PART
ajis02-278	128	4	conflict	conflict	VERB
ajis02-278	128	5	with	with	ADP
ajis02-278	128	6	the	the	DET
ajis02-278	128	7	40	40	NUM
ajis02-278	128	8	%	%	NOUN
ajis02-278	128	9	of	of	ADP
ajis02-278	128	10	bank	bank	NOUN
ajis02-278	128	11	managers	manager	NOUN
ajis02-278	128	12	who	who	PRON
ajis02-278	128	13	believed	believe	VERB
ajis02-278	128	14	there	there	PRON
ajis02-278	128	15	had	have	AUX
ajis02-278	128	16	been	be	AUX
ajis02-278	128	17	some	some	DET
ajis02-278	128	18	reduction	reduction	NOUN
ajis02-278	128	19	in	in	ADP
ajis02-278	128	20	the	the	DET
ajis02-278	128	21	frequency	frequency	NOUN
ajis02-278	128	22	of	of	ADP
ajis02-278	128	23	such	such	ADJ
ajis02-278	128	24	visits	visit	NOUN
ajis02-278	128	25	as	as	ADP
ajis02-278	128	26	a	a	DET
ajis02-278	128	27	consequence	consequence	NOUN
ajis02-278	128	28	of	of	ADP
ajis02-278	128	29	installing	instal	VERB
ajis02-278	128	30	eftpos	eftpos	NOUN
ajis02-278	128	31	.	.	PUNCT
ajis02-278	129	1	some	some	DET
ajis02-278	129	2	explanation	explanation	NOUN
ajis02-278	129	3	of	of	ADP
ajis02-278	129	4	this	this	DET
ajis02-278	129	5	disparity	disparity	NOUN
ajis02-278	129	6	may	may	AUX
ajis02-278	129	7	lie	lie	VERB
ajis02-278	129	8	in	in	ADP
ajis02-278	129	9	the	the	DET
ajis02-278	129	10	aggregation	aggregation	NOUN
ajis02-278	129	11	of	of	ADP
ajis02-278	129	12	effects	effect	NOUN
ajis02-278	129	13	at	at	ADP
ajis02-278	129	14	the	the	DET
ajis02-278	129	15	bank	bank	NOUN
ajis02-278	129	16	branch	branch	NOUN
ajis02-278	129	17	.	.	PUNCT
ajis02-278	130	1	bank	bank	NOUN
ajis02-278	130	2	managers	manager	NOUN
ajis02-278	130	3	were	be	AUX
ajis02-278	130	4	not	not	PART
ajis02-278	130	5	reporting	report	VERB
ajis02-278	130	6	how	how	SCONJ
ajis02-278	130	7	many	many	ADJ
ajis02-278	130	8	merchants	merchant	NOUN
ajis02-278	130	9	had	have	AUX
ajis02-278	130	10	reduced	reduce	VERB
ajis02-278	130	11	the	the	DET
ajis02-278	130	12	frequency	frequency	NOUN
ajis02-278	130	13	of	of	ADP
ajis02-278	130	14	their	their	PRON
ajis02-278	130	15	visits	visit	NOUN
ajis02-278	130	16	,	,	PUNCT
ajis02-278	130	17	but	but	CCONJ
ajis02-278	130	18	rather	rather	ADV
ajis02-278	130	19	whether	whether	SCONJ
ajis02-278	130	20	the	the	DET
ajis02-278	130	21	bank	bank	NOUN
ajis02-278	130	22	had	have	AUX
ajis02-278	130	23	experienced	experience	VERB
ajis02-278	130	24	a	a	DET
ajis02-278	130	25	net	net	ADJ
ajis02-278	130	26	reduction	reduction	NOUN
ajis02-278	130	27	in	in	ADP
ajis02-278	130	28	visits	visit	NOUN
ajis02-278	130	29	from	from	ADP
ajis02-278	130	30	merchants	merchant	NOUN
ajis02-278	130	31	who	who	PRON
ajis02-278	130	32	had	have	AUX
ajis02-278	130	33	installed	instal	VERB
ajis02-278	130	34	eftpos	eftpos	NOUN
ajis02-278	130	35	.	.	PUNCT
ajis02-278	131	1	it	it	PRON
ajis02-278	131	2	is	be	AUX
ajis02-278	131	3	unlikely	unlikely	ADJ
ajis02-278	131	4	,	,	PUNCT
ajis02-278	131	5	however	however	ADV
ajis02-278	131	6	,	,	PUNCT
ajis02-278	131	7	that	that	SCONJ
ajis02-278	131	8	the	the	DET
ajis02-278	131	9	differences	difference	NOUN
ajis02-278	131	10	are	be	AUX
ajis02-278	131	11	caused	cause	VERB
ajis02-278	131	12	by	by	ADP
ajis02-278	131	13	a	a	DET
ajis02-278	131	14	large	large	ADJ
ajis02-278	131	15	reduction	reduction	NOUN
ajis02-278	131	16	in	in	ADP
ajis02-278	131	17	visits	visit	NOUN
ajis02-278	131	18	by	by	ADP
ajis02-278	131	19	some	some	DET
ajis02-278	131	20	merchants	merchant	NOUN
ajis02-278	131	21	given	give	VERB
ajis02-278	131	22	that	that	PRON
ajis02-278	131	23	less	less	ADJ
ajis02-278	131	24	than	than	ADP
ajis02-278	131	25	3	3	NUM
ajis02-278	131	26	%	%	NOUN
ajis02-278	131	27	reported	report	VERB
ajis02-278	131	28	that	that	SCONJ
ajis02-278	131	29	their	their	PRON
ajis02-278	131	30	frequency	frequency	NOUN
ajis02-278	131	31	had	have	AUX
ajis02-278	131	32	greatly	greatly	ADV
ajis02-278	131	33	decreased	decrease	VERB
ajis02-278	131	34	.	.	PUNCT
ajis02-278	132	1	similarly	similarly	ADV
ajis02-278	132	2	,	,	PUNCT
ajis02-278	132	3	there	there	PRON
ajis02-278	132	4	appear	appear	VERB
ajis02-278	132	5	to	to	PART
ajis02-278	132	6	be	be	AUX
ajis02-278	132	7	differences	difference	NOUN
ajis02-278	132	8	in	in	ADP
ajis02-278	132	9	perceptions	perception	NOUN
ajis02-278	132	10	of	of	ADP
ajis02-278	132	11	the	the	DET
ajis02-278	132	12	changes	change	NOUN
ajis02-278	132	13	in	in	ADP
ajis02-278	132	14	the	the	DET
ajis02-278	132	15	frequency	frequency	NOUN
ajis02-278	132	16	of	of	ADP
ajis02-278	132	17	account	account	NOUN
ajis02-278	132	18	queries	query	NOUN
ajis02-278	132	19	following	follow	VERB
ajis02-278	132	20	the	the	DET
ajis02-278	132	21	installation	installation	NOUN
ajis02-278	132	22	of	of	ADP
ajis02-278	132	23	eftpos	eftpos	NOUN
ajis02-278	132	24	.	.	PUNCT
ajis02-278	133	1	only	only	ADV
ajis02-278	133	2	9	9	NUM
ajis02-278	133	3	%	%	NOUN
ajis02-278	133	4	of	of	ADP
ajis02-278	133	5	merchants	merchant	NOUN
ajis02-278	133	6	reported	report	VERB
ajis02-278	133	7	any	any	DET
ajis02-278	133	8	decrease	decrease	NOUN
ajis02-278	133	9	and	and	CCONJ
ajis02-278	133	10	another	another	DET
ajis02-278	133	11	9	9	NUM
ajis02-278	133	12	%	%	NOUN
ajis02-278	133	13	reported	report	VERB
ajis02-278	133	14	some	some	DET
ajis02-278	133	15	increase	increase	NOUN
ajis02-278	133	16	,	,	PUNCT
ajis02-278	133	17	whereas	whereas	SCONJ
ajis02-278	133	18	25	25	NUM
ajis02-278	133	19	%	%	NOUN
ajis02-278	133	20	of	of	ADP
ajis02-278	133	21	bank	bank	NOUN
ajis02-278	133	22	managers	manager	NOUN
ajis02-278	133	23	believed	believe	VERB
ajis02-278	133	24	there	there	PRON
ajis02-278	133	25	had	have	AUX
ajis02-278	133	26	been	be	AUX
ajis02-278	133	27	a	a	DET
ajis02-278	133	28	decrease	decrease	NOUN
ajis02-278	133	29	and	and	CCONJ
ajis02-278	133	30	10	10	NUM
ajis02-278	133	31	%	%	NOUN
ajis02-278	133	32	believed	believe	VERB
ajis02-278	133	33	there	there	PRON
ajis02-278	133	34	had	have	AUX
ajis02-278	133	35	been	be	AUX
ajis02-278	133	36	some	some	DET
ajis02-278	133	37	increase	increase	NOUN
ajis02-278	133	38	.	.	PUNCT
ajis02-278	134	1	subject	subject	ADJ
ajis02-278	134	2	to	to	ADP
ajis02-278	134	3	the	the	DET
ajis02-278	134	4	previous	previous	ADJ
ajis02-278	134	5	qualification	qualification	NOUN
ajis02-278	134	6	,	,	PUNCT
ajis02-278	134	7	there	there	PRON
ajis02-278	134	8	are	be	VERB
ajis02-278	134	9	four	four	NUM
ajis02-278	134	10	possible	possible	ADJ
ajis02-278	134	11	explanations	explanation	NOUN
ajis02-278	134	12	for	for	ADP
ajis02-278	134	13	these	these	DET
ajis02-278	134	14	various	various	ADJ
ajis02-278	134	15	differences	difference	NOUN
ajis02-278	134	16	in	in	ADP
ajis02-278	134	17	perceptions	perception	NOUN
ajis02-278	134	18	:	:	PUNCT
ajis02-278	134	19	•	•	SCONJ
ajis02-278	134	20	the	the	DET
ajis02-278	134	21	results	result	NOUN
ajis02-278	134	22	are	be	AUX
ajis02-278	134	23	distorted	distort	VERB
ajis02-278	134	24	by	by	ADP
ajis02-278	134	25	sample	sample	NOUN
ajis02-278	134	26	differences	difference	NOUN
ajis02-278	134	27	if	if	SCONJ
ajis02-278	134	28	a	a	DET
ajis02-278	134	29	significant	significant	ADJ
ajis02-278	134	30	proportion	proportion	NOUN
ajis02-278	134	31	of	of	ADP
ajis02-278	134	32	the	the	DET
ajis02-278	134	33	responding	respond	VERB
ajis02-278	134	34	merchants	merchant	NOUN
ajis02-278	134	35	deal	deal	VERB
ajis02-278	134	36	with	with	ADP
ajis02-278	134	37	banks	bank	NOUN
ajis02-278	134	38	or	or	CCONJ
ajis02-278	134	39	branches	branch	NOUN
ajis02-278	134	40	not	not	PART
ajis02-278	134	41	covered	cover	VERB
ajis02-278	134	42	by	by	ADP
ajis02-278	134	43	the	the	DET
ajis02-278	134	44	bank	bank	NOUN
ajis02-278	134	45	branch	branch	NOUN
ajis02-278	134	46	sample	sample	NOUN
ajis02-278	134	47	.	.	PUNCT
ajis02-278	135	1	•	•	NUM
ajis02-278	135	2	bank	bank	NOUN
ajis02-278	135	3	managers	manager	NOUN
ajis02-278	135	4	have	have	VERB
ajis02-278	135	5	a	a	DET
ajis02-278	135	6	poor	poor	ADJ
ajis02-278	135	7	perception	perception	NOUN
ajis02-278	135	8	of	of	ADP
ajis02-278	135	9	the	the	DET
ajis02-278	135	10	experiences	experience	NOUN
ajis02-278	135	11	and	and	CCONJ
ajis02-278	135	12	practices	practice	NOUN
ajis02-278	135	13	of	of	ADP
ajis02-278	135	14	their	their	PRON
ajis02-278	135	15	small	small	ADJ
ajis02-278	135	16	merchant	merchant	NOUN
ajis02-278	135	17	customers	customer	NOUN
ajis02-278	135	18	.	.	PUNCT
ajis02-278	136	1	•	•	NUM
ajis02-278	136	2	banks	bank	NOUN
ajis02-278	136	3	are	be	AUX
ajis02-278	136	4	obtaining	obtain	VERB
ajis02-278	136	5	efficiencies	efficiency	NOUN
ajis02-278	136	6	through	through	ADP
ajis02-278	136	7	reductions	reduction	NOUN
ajis02-278	136	8	in	in	ADP
ajis02-278	136	9	such	such	ADJ
ajis02-278	136	10	transactions	transaction	NOUN
ajis02-278	136	11	that	that	PRON
ajis02-278	136	12	are	be	AUX
ajis02-278	136	13	not	not	PART
ajis02-278	136	14	enjoyed	enjoy	VERB
ajis02-278	136	15	by	by	ADP
ajis02-278	136	16	a	a	DET
ajis02-278	136	17	corresponding	corresponding	ADJ
ajis02-278	136	18	number	number	NOUN
ajis02-278	136	19	of	of	ADP
ajis02-278	136	20	merchants	merchant	NOUN
ajis02-278	136	21	.	.	PUNCT
ajis02-278	137	1	•	•	NUM
ajis02-278	137	2	bank	bank	NOUN
ajis02-278	137	3	managers	manager	NOUN
ajis02-278	137	4	impute	impute	VERB
ajis02-278	137	5	to	to	ADP
ajis02-278	137	6	eftpos	eftpos	NOUN
ajis02-278	137	7	effects	effect	NOUN
ajis02-278	137	8	from	from	ADP
ajis02-278	137	9	other	other	ADJ
ajis02-278	137	10	systems	system	NOUN
ajis02-278	137	11	.	.	PUNCT
ajis02-278	138	1	overall	overall	ADJ
ajis02-278	138	2	,	,	PUNCT
ajis02-278	138	3	responses	response	NOUN
ajis02-278	138	4	indicate	indicate	VERB
ajis02-278	138	5	that	that	SCONJ
ajis02-278	138	6	efficiency	efficiency	NOUN
ajis02-278	138	7	impacts	impact	NOUN
ajis02-278	138	8	at	at	ADP
ajis02-278	138	9	bank	bank	NOUN
ajis02-278	138	10	branch	branch	NOUN
ajis02-278	138	11	level	level	NOUN
ajis02-278	138	12	appear	appear	VERB
ajis02-278	138	13	to	to	PART
ajis02-278	138	14	be	be	AUX
ajis02-278	138	15	minor	minor	ADJ
ajis02-278	138	16	or	or	CCONJ
ajis02-278	138	17	have	have	AUX
ajis02-278	138	18	been	be	AUX
ajis02-278	138	19	subsumed	subsume	VERB
ajis02-278	138	20	in	in	ADP
ajis02-278	138	21	other	other	ADJ
ajis02-278	138	22	coincidental	coincidental	ADJ
ajis02-278	138	23	changes	change	NOUN
ajis02-278	138	24	to	to	ADP
ajis02-278	138	25	banking	banking	NOUN
ajis02-278	138	26	.	.	PUNCT
ajis02-278	139	1	if	if	SCONJ
ajis02-278	139	2	a	a	DET
ajis02-278	139	3	substantial	substantial	ADJ
ajis02-278	139	4	proportion	proportion	NOUN
ajis02-278	139	5	of	of	ADP
ajis02-278	139	6	merchants	merchant	NOUN
ajis02-278	139	7	are	be	AUX
ajis02-278	139	8	experiencing	experience	VERB
ajis02-278	139	9	negative	negative	ADJ
ajis02-278	139	10	efficiency	efficiency	NOUN
ajis02-278	139	11	impacts	impact	NOUN
ajis02-278	139	12	,	,	PUNCT
ajis02-278	139	13	or	or	CCONJ
ajis02-278	139	14	at	at	ADP
ajis02-278	139	15	least	least	ADJ
ajis02-278	139	16	failing	fail	VERB
ajis02-278	139	17	to	to	PART
ajis02-278	139	18	obtain	obtain	VERB
ajis02-278	139	19	the	the	DET
ajis02-278	139	20	expected	expect	VERB
ajis02-278	139	21	degree	degree	NOUN
ajis02-278	139	22	of	of	ADP
ajis02-278	139	23	positive	positive	ADJ
ajis02-278	139	24	impacts	impact	NOUN
ajis02-278	139	25	,	,	PUNCT
ajis02-278	139	26	then	then	ADV
ajis02-278	139	27	this	this	PRON
ajis02-278	139	28	may	may	AUX
ajis02-278	139	29	have	have	VERB
ajis02-278	139	30	significant	significant	ADJ
ajis02-278	139	31	implications	implication	NOUN
ajis02-278	139	32	for	for	ADP
ajis02-278	139	33	assessments	assessment	NOUN
ajis02-278	139	34	of	of	ADP
ajis02-278	139	35	effectiveness	effectiveness	NOUN
ajis02-278	139	36	or	or	CCONJ
ajis02-278	139	37	competitiveness	competitiveness	NOUN
ajis02-278	139	38	impacts	impact	NOUN
ajis02-278	139	39	for	for	ADP
ajis02-278	139	40	banks	bank	NOUN
ajis02-278	139	41	.	.	PUNCT
ajis02-278	140	1	while	while	SCONJ
ajis02-278	140	2	it	it	PRON
ajis02-278	140	3	is	be	AUX
ajis02-278	140	4	not	not	PART
ajis02-278	140	5	obvious	obvious	ADJ
ajis02-278	140	6	as	as	ADP
ajis02-278	140	7	to	to	ADP
ajis02-278	140	8	whether	whether	SCONJ
ajis02-278	140	9	merchants	merchant	NOUN
ajis02-278	140	10	'	'	PART
ajis02-278	140	11	or	or	CCONJ
ajis02-278	140	12	banks	bank	NOUN
ajis02-278	140	13	'	'	PART
ajis02-278	140	14	views	view	NOUN
ajis02-278	140	15	are	be	AUX
ajis02-278	140	16	the	the	DET
ajis02-278	140	17	more	more	ADV
ajis02-278	140	18	reliable	reliable	ADJ
ajis02-278	140	19	in	in	ADP
ajis02-278	140	20	this	this	DET
ajis02-278	140	21	regard	regard	NOUN
ajis02-278	140	22	,	,	PUNCT
ajis02-278	140	23	if	if	SCONJ
ajis02-278	140	24	branch	branch	NOUN
ajis02-278	140	25	managers	manager	NOUN
ajis02-278	140	26	are	be	AUX
ajis02-278	140	27	overestimating	overestimate	VERB
ajis02-278	140	28	the	the	DET
ajis02-278	140	29	decrease	decrease	NOUN
ajis02-278	140	30	in	in	ADP
ajis02-278	140	31	contact	contact	NOUN
ajis02-278	140	32	with	with	ADP
ajis02-278	140	33	merchants	merchant	NOUN
ajis02-278	140	34	then	then	ADV
ajis02-278	140	35	this	this	PRON
ajis02-278	140	36	may	may	AUX
ajis02-278	140	37	cause	cause	VERB
ajis02-278	140	38	inappropriate	inappropriate	ADJ
ajis02-278	140	39	bank	bank	NOUN
ajis02-278	140	40	decisions	decision	NOUN
ajis02-278	140	41	in	in	ADP
ajis02-278	140	42	areas	area	NOUN
ajis02-278	140	43	such	such	ADJ
ajis02-278	140	44	as	as	ADP
ajis02-278	140	45	staffing	staffing	NOUN
ajis02-278	140	46	levels	level	NOUN
ajis02-278	140	47	training	training	NOUN
ajis02-278	140	48	and	and	CCONJ
ajis02-278	140	49	branch	branch	NOUN
ajis02-278	140	50	-	-	PUNCT
ajis02-278	140	51	oriented	orient	VERB
ajis02-278	140	52	marketing	marketing	NOUN
ajis02-278	140	53	activities	activity	NOUN
ajis02-278	140	54	,	,	PUNCT
ajis02-278	140	55	with	with	ADP
ajis02-278	140	56	consequences	consequence	NOUN
ajis02-278	140	57	for	for	ADP
ajis02-278	140	58	competitiveness	competitiveness	NOUN
ajis02-278	140	59	.	.	PUNCT
ajis02-278	141	1	branch	branch	NOUN
ajis02-278	141	2	staff	staff	NOUN
ajis02-278	141	3	changes	change	VERB
ajis02-278	141	4	the	the	DET
ajis02-278	141	5	potential	potential	ADJ
ajis02-278	141	6	efficiency	efficiency	NOUN
ajis02-278	141	7	gains	gain	NOUN
ajis02-278	141	8	in	in	ADP
ajis02-278	141	9	transaction	transaction	NOUN
ajis02-278	141	10	processing	processing	NOUN
ajis02-278	141	11	(	(	PUNCT
ajis02-278	141	12	discussed	discuss	VERB
ajis02-278	141	13	above	above	ADV
ajis02-278	141	14	)	)	PUNCT
ajis02-278	141	15	raise	raise	VERB
ajis02-278	141	16	expectations	expectation	NOUN
ajis02-278	141	17	regarding	regard	VERB
ajis02-278	141	18	staffing	staffing	NOUN
ajis02-278	141	19	.	.	PUNCT
ajis02-278	142	1	half	half	NOUN
ajis02-278	142	2	of	of	ADP
ajis02-278	142	3	the	the	DET
ajis02-278	142	4	branches	branch	NOUN
ajis02-278	142	5	reported	report	VERB
ajis02-278	142	6	a	a	DET
ajis02-278	142	7	decrease	decrease	NOUN
ajis02-278	142	8	in	in	ADP
ajis02-278	142	9	staff	staff	NOUN
ajis02-278	142	10	numbers	number	NOUN
ajis02-278	142	11	over	over	ADP
ajis02-278	142	12	the	the	DET
ajis02-278	142	13	last	last	ADJ
ajis02-278	142	14	2	2	NUM
ajis02-278	142	15	years	year	NOUN
ajis02-278	142	16	,	,	PUNCT
ajis02-278	142	17	10	10	NUM
ajis02-278	142	18	%	%	NOUN
ajis02-278	142	19	reported	report	VERB
ajis02-278	142	20	an	an	DET
ajis02-278	142	21	increase	increase	NOUN
ajis02-278	142	22	and	and	CCONJ
ajis02-278	142	23	40	40	NUM
ajis02-278	142	24	%	%	NOUN
ajis02-278	142	25	had	have	VERB
ajis02-278	142	26	no	no	DET
ajis02-278	142	27	change	change	NOUN
ajis02-278	142	28	.	.	PUNCT
ajis02-278	143	1	the	the	DET
ajis02-278	143	2	changes	change	NOUN
ajis02-278	143	3	in	in	ADP
ajis02-278	143	4	staff	staff	NOUN
ajis02-278	143	5	numbers	number	NOUN
ajis02-278	143	6	had	have	VERB
ajis02-278	143	7	no	no	DET
ajis02-278	143	8	statistical	statistical	ADJ
ajis02-278	143	9	association	association	NOUN
ajis02-278	143	10	with	with	ADP
ajis02-278	143	11	the	the	DET
ajis02-278	143	12	changes	change	NOUN
ajis02-278	143	13	in	in	ADP
ajis02-278	143	14	counter	counter	ADJ
ajis02-278	143	15	staff	staff	NOUN
ajis02-278	143	16	skills	skill	NOUN
ajis02-278	143	17	.	.	PUNCT
ajis02-278	144	1	most	most	ADJ
ajis02-278	144	2	bank	bank	NOUN
ajis02-278	144	3	managers	manager	NOUN
ajis02-278	144	4	(	(	PUNCT
ajis02-278	144	5	90	90	NUM
ajis02-278	144	6	%	%	NOUN
ajis02-278	144	7	)	)	PUNCT
ajis02-278	144	8	reported	report	VERB
ajis02-278	144	9	that	that	SCONJ
ajis02-278	144	10	staff	staff	NOUN
ajis02-278	144	11	had	have	AUX
ajis02-278	144	12	increased	increase	VERB
ajis02-278	144	13	their	their	PRON
ajis02-278	144	14	skills	skill	NOUN
ajis02-278	144	15	or	or	CCONJ
ajis02-278	144	16	knowledge	knowledge	NOUN
ajis02-278	144	17	in	in	ADP
ajis02-278	144	18	other	other	ADJ
ajis02-278	144	19	bank	bank	NOUN
ajis02-278	144	20	products	product	NOUN
ajis02-278	144	21	,	,	PUNCT
ajis02-278	144	22	half	half	NOUN
ajis02-278	144	23	of	of	ADP
ajis02-278	144	24	these	these	PRON
ajis02-278	144	25	being	be	AUX
ajis02-278	144	26	described	describe	VERB
ajis02-278	144	27	as	as	ADP
ajis02-278	144	28	"	"	PUNCT
ajis02-278	144	29	greatly	greatly	ADV
ajis02-278	144	30	increased	increase	VERB
ajis02-278	144	31	"	"	PUNCT
ajis02-278	144	32	.	.	PUNCT
ajis02-278	145	1	this	this	DET
ajis02-278	145	2	effectiveness	effectiveness	NOUN
ajis02-278	145	3	impact	impact	NOUN
ajis02-278	145	4	has	have	VERB
ajis02-278	145	5	major	major	ADJ
ajis02-278	145	6	implications	implication	NOUN
ajis02-278	145	7	for	for	ADP
ajis02-278	145	8	customer	customer	NOUN
ajis02-278	145	9	servicing	servicing	NOUN
ajis02-278	145	10	(	(	PUNCT
ajis02-278	145	11	competitiveness	competitiveness	NOUN
ajis02-278	145	12	)	)	PUNCT
ajis02-278	145	13	,	,	PUNCT
ajis02-278	145	14	including	include	VERB
ajis02-278	145	15	providing	provide	VERB
ajis02-278	145	16	the	the	DET
ajis02-278	145	17	bank	bank	NOUN
ajis02-278	145	18	with	with	ADP
ajis02-278	145	19	opportunity	opportunity	NOUN
ajis02-278	145	20	to	to	PART
ajis02-278	145	21	increase	increase	VERB
ajis02-278	145	22	business	business	NOUN
ajis02-278	145	23	and	and	CCONJ
ajis02-278	145	24	enhance	enhance	VERB
ajis02-278	145	25	the	the	DET
ajis02-278	145	26	bankcustomer	bankcustomer	NOUN
ajis02-278	145	27	relationship	relationship	NOUN
ajis02-278	145	28	.	.	PUNCT
ajis02-278	146	1	74	74	NUM
ajis02-278	146	2	ajis	ajis	NOUN
ajis02-278	146	3	vol	vol	NOUN
ajis02-278	146	4	.	.	PUNCT
ajis02-278	147	1	7	7	NUM
ajis02-278	147	2	,	,	PUNCT
ajis02-278	147	3	no	no	DET
ajis02-278	147	4	2	2	NUM
ajis02-278	147	5	may	may	PROPN
ajis02-278	147	6	2000	2000	NUM
ajis02-278	147	7	there	there	PRON
ajis02-278	147	8	are	be	VERB
ajis02-278	147	9	substantial	substantial	ADJ
ajis02-278	147	10	difficulties	difficulty	NOUN
ajis02-278	147	11	in	in	ADP
ajis02-278	147	12	separating	separate	VERB
ajis02-278	147	13	restructuring	restructuring	NOUN
ajis02-278	147	14	and	and	CCONJ
ajis02-278	147	15	other	other	ADJ
ajis02-278	147	16	industry	industry	NOUN
ajis02-278	147	17	developments	development	NOUN
ajis02-278	147	18	that	that	PRON
ajis02-278	147	19	have	have	AUX
ajis02-278	147	20	also	also	ADV
ajis02-278	147	21	affected	affect	VERB
ajis02-278	147	22	staffing	staffing	NOUN
ajis02-278	147	23	practices	practice	NOUN
ajis02-278	147	24	.	.	PUNCT
ajis02-278	148	1	consequently	consequently	ADV
ajis02-278	148	2	,	,	PUNCT
ajis02-278	148	3	it	it	PRON
ajis02-278	148	4	is	be	AUX
ajis02-278	148	5	difficult	difficult	ADJ
ajis02-278	148	6	to	to	PART
ajis02-278	148	7	attribute	attribute	VERB
ajis02-278	148	8	these	these	DET
ajis02-278	148	9	changes	change	NOUN
ajis02-278	148	10	wholly	wholly	ADV
ajis02-278	148	11	to	to	ADP
ajis02-278	148	12	eftpos	eftpos	NOUN
ajis02-278	148	13	although	although	SCONJ
ajis02-278	148	14	40	40	NUM
ajis02-278	148	15	%	%	NOUN
ajis02-278	148	16	of	of	ADP
ajis02-278	148	17	bank	bank	NOUN
ajis02-278	148	18	managers	manager	NOUN
ajis02-278	148	19	believed	believe	VERB
ajis02-278	148	20	that	that	SCONJ
ajis02-278	148	21	eftpos	eftpos	NOUN
ajis02-278	148	22	has	have	VERB
ajis02-278	148	23	a	a	DET
ajis02-278	148	24	positive	positive	ADJ
ajis02-278	148	25	impact	impact	NOUN
ajis02-278	148	26	on	on	ADP
ajis02-278	148	27	the	the	DET
ajis02-278	148	28	number	number	NOUN
ajis02-278	148	29	of	of	ADP
ajis02-278	148	30	products	product	NOUN
ajis02-278	148	31	or	or	CCONJ
ajis02-278	148	32	services	service	NOUN
ajis02-278	148	33	offered	offer	VERB
ajis02-278	148	34	through	through	ADP
ajis02-278	148	35	branches	branch	NOUN
ajis02-278	148	36	(	(	PUNCT
ajis02-278	148	37	45	45	NUM
ajis02-278	148	38	%	%	NOUN
ajis02-278	148	39	believed	believe	VERB
ajis02-278	148	40	there	there	PRON
ajis02-278	148	41	was	be	VERB
ajis02-278	148	42	no	no	DET
ajis02-278	148	43	effect	effect	NOUN
ajis02-278	148	44	)	)	PUNCT
ajis02-278	148	45	.	.	PUNCT
ajis02-278	149	1	branch	branch	NOUN
ajis02-278	149	2	business	business	NOUN
ajis02-278	149	3	it	it	PRON
ajis02-278	149	4	has	have	AUX
ajis02-278	149	5	been	be	AUX
ajis02-278	149	6	suggested	suggest	VERB
ajis02-278	149	7	that	that	SCONJ
ajis02-278	149	8	the	the	DET
ajis02-278	149	9	provision	provision	NOUN
ajis02-278	149	10	of	of	ADP
ajis02-278	149	11	eftpos	eftpos	NOUN
ajis02-278	149	12	facilities	facility	NOUN
ajis02-278	149	13	arose	arise	VERB
ajis02-278	149	14	more	more	ADV
ajis02-278	149	15	through	through	ADP
ajis02-278	149	16	competitive	competitive	ADJ
ajis02-278	149	17	necessity	necessity	NOUN
ajis02-278	149	18	than	than	ADP
ajis02-278	149	19	as	as	ADP
ajis02-278	149	20	a	a	DET
ajis02-278	149	21	new	new	ADJ
ajis02-278	149	22	market	market	NOUN
ajis02-278	149	23	willingly	willingly	ADV
ajis02-278	149	24	pursued	pursue	VERB
ajis02-278	149	25	by	by	ADP
ajis02-278	149	26	banks	bank	NOUN
ajis02-278	149	27	.	.	PUNCT
ajis02-278	150	1	evidence	evidence	NOUN
ajis02-278	150	2	of	of	ADP
ajis02-278	150	3	this	this	PRON
ajis02-278	150	4	is	be	AUX
ajis02-278	150	5	scant	scant	ADJ
ajis02-278	150	6	but	but	CCONJ
ajis02-278	150	7	myers	myers	PROPN
ajis02-278	150	8	(	(	PUNCT
ajis02-278	150	9	1997	1997	NUM
ajis02-278	150	10	)	)	PUNCT
ajis02-278	150	11	indicated	indicate	VERB
ajis02-278	150	12	that	that	SCONJ
ajis02-278	150	13	new	new	PROPN
ajis02-278	150	14	zealand	zealand	PROPN
ajis02-278	150	15	banks	bank	NOUN
ajis02-278	150	16	had	have	AUX
ajis02-278	150	17	first	first	ADV
ajis02-278	150	18	proposed	propose	VERB
ajis02-278	150	19	eftpos	eftpos	NOUN
ajis02-278	150	20	systems	system	NOUN
ajis02-278	150	21	to	to	ADP
ajis02-278	150	22	large	large	ADJ
ajis02-278	150	23	retailers	retailer	NOUN
ajis02-278	150	24	in	in	ADP
ajis02-278	150	25	the	the	DET
ajis02-278	150	26	1980s	1980	NOUN
ajis02-278	150	27	but	but	CCONJ
ajis02-278	150	28	had	have	AUX
ajis02-278	150	29	then	then	ADV
ajis02-278	150	30	sought	seek	VERB
ajis02-278	150	31	to	to	PART
ajis02-278	150	32	withdraw	withdraw	VERB
ajis02-278	150	33	from	from	ADP
ajis02-278	150	34	the	the	DET
ajis02-278	150	35	market	market	NOUN
ajis02-278	150	36	,	,	PUNCT
ajis02-278	150	37	claiming	claim	VERB
ajis02-278	150	38	unexpectedly	unexpectedly	ADV
ajis02-278	150	39	high	high	ADJ
ajis02-278	150	40	unit	unit	NOUN
ajis02-278	150	41	costs	cost	NOUN
ajis02-278	150	42	of	of	ADP
ajis02-278	150	43	transaction	transaction	NOUN
ajis02-278	150	44	processing	processing	NOUN
ajis02-278	150	45	.	.	PUNCT
ajis02-278	151	1	key	key	ADJ
ajis02-278	151	2	large	large	ADJ
ajis02-278	151	3	retailers	retailer	NOUN
ajis02-278	151	4	threatened	threaten	VERB
ajis02-278	151	5	to	to	PART
ajis02-278	151	6	withdraw	withdraw	VERB
ajis02-278	151	7	their	their	PRON
ajis02-278	151	8	custom	custom	NOUN
ajis02-278	151	9	from	from	ADP
ajis02-278	151	10	particular	particular	ADJ
ajis02-278	151	11	banks	bank	NOUN
ajis02-278	151	12	,	,	PUNCT
ajis02-278	151	13	thus	thus	ADV
ajis02-278	151	14	forcing	force	VERB
ajis02-278	151	15	them	they	PRON
ajis02-278	151	16	to	to	PART
ajis02-278	151	17	persevere	persevere	VERB
ajis02-278	151	18	with	with	ADP
ajis02-278	151	19	the	the	DET
ajis02-278	151	20	establishment	establishment	NOUN
ajis02-278	151	21	and	and	CCONJ
ajis02-278	151	22	provision	provision	NOUN
ajis02-278	151	23	of	of	ADP
ajis02-278	151	24	eftpos	eftpos	NOUN
ajis02-278	151	25	.	.	PUNCT
ajis02-278	152	1	this	this	PRON
ajis02-278	152	2	appears	appear	VERB
ajis02-278	152	3	to	to	PART
ajis02-278	152	4	have	have	AUX
ajis02-278	152	5	forced	force	VERB
ajis02-278	152	6	other	other	ADJ
ajis02-278	152	7	banks	bank	NOUN
ajis02-278	152	8	to	to	PART
ajis02-278	152	9	then	then	ADV
ajis02-278	152	10	follow	follow	VERB
ajis02-278	152	11	suit	suit	NOUN
ajis02-278	152	12	to	to	PART
ajis02-278	152	13	retain	retain	VERB
ajis02-278	152	14	their	their	PRON
ajis02-278	152	15	positions	position	NOUN
ajis02-278	152	16	in	in	ADP
ajis02-278	152	17	the	the	DET
ajis02-278	152	18	broader	broad	ADJ
ajis02-278	152	19	banking	banking	NOUN
ajis02-278	152	20	services	service	NOUN
ajis02-278	152	21	market	market	NOUN
ajis02-278	152	22	.	.	PUNCT
ajis02-278	153	1	this	this	DET
ajis02-278	153	2	view	view	NOUN
ajis02-278	153	3	is	be	AUX
ajis02-278	153	4	not	not	PART
ajis02-278	153	5	supported	support	VERB
ajis02-278	153	6	by	by	ADP
ajis02-278	153	7	the	the	DET
ajis02-278	153	8	survey	survey	NOUN
ajis02-278	153	9	of	of	ADP
ajis02-278	153	10	merchants	merchant	NOUN
ajis02-278	153	11	,	,	PUNCT
ajis02-278	153	12	although	although	SCONJ
ajis02-278	153	13	the	the	DET
ajis02-278	153	14	situation	situation	NOUN
ajis02-278	153	15	may	may	AUX
ajis02-278	153	16	have	have	AUX
ajis02-278	153	17	changed	change	VERB
ajis02-278	153	18	substantially	substantially	ADV
ajis02-278	153	19	from	from	ADP
ajis02-278	153	20	the	the	DET
ajis02-278	153	21	1980s	1980	NOUN
ajis02-278	153	22	to	to	ADP
ajis02-278	153	23	the	the	DET
ajis02-278	153	24	time	time	NOUN
ajis02-278	153	25	of	of	ADP
ajis02-278	153	26	the	the	DET
ajis02-278	153	27	survey	survey	NOUN
ajis02-278	153	28	.	.	PUNCT
ajis02-278	154	1	a	a	DET
ajis02-278	154	2	significant	significant	ADJ
ajis02-278	154	3	proportion	proportion	NOUN
ajis02-278	154	4	of	of	ADP
ajis02-278	154	5	merchants	merchant	NOUN
ajis02-278	154	6	(	(	PUNCT
ajis02-278	154	7	29	29	NUM
ajis02-278	154	8	%	%	NOUN
ajis02-278	154	9	)	)	PUNCT
ajis02-278	154	10	indicated	indicate	VERB
ajis02-278	154	11	that	that	SCONJ
ajis02-278	154	12	their	their	PRON
ajis02-278	154	13	eftpos	eftpos	NOUN
ajis02-278	154	14	provider	provider	NOUN
ajis02-278	154	15	was	be	AUX
ajis02-278	154	16	different	different	ADJ
ajis02-278	154	17	from	from	ADP
ajis02-278	154	18	their	their	PRON
ajis02-278	154	19	provider	provider	NOUN
ajis02-278	154	20	of	of	ADP
ajis02-278	154	21	other	other	ADJ
ajis02-278	154	22	banking	banking	NOUN
ajis02-278	154	23	services	service	NOUN
ajis02-278	154	24	.	.	PUNCT
ajis02-278	155	1	this	this	DET
ajis02-278	155	2	selection	selection	NOUN
ajis02-278	155	3	of	of	ADP
ajis02-278	155	4	a	a	DET
ajis02-278	155	5	specific	specific	ADJ
ajis02-278	155	6	eftpos	eftpos	NOUN
ajis02-278	155	7	provider	provider	NOUN
ajis02-278	155	8	by	by	ADP
ajis02-278	155	9	merchants	merchant	NOUN
ajis02-278	155	10	appears	appear	VERB
ajis02-278	155	11	to	to	PART
ajis02-278	155	12	treat	treat	VERB
ajis02-278	155	13	eftpos	eftpos	NOUN
ajis02-278	155	14	as	as	ADP
ajis02-278	155	15	separable	separable	ADJ
ajis02-278	155	16	from	from	ADP
ajis02-278	155	17	other	other	ADJ
ajis02-278	155	18	banking	banking	NOUN
ajis02-278	155	19	services	service	NOUN
ajis02-278	155	20	.	.	PUNCT
ajis02-278	156	1	this	this	PRON
ajis02-278	156	2	is	be	AUX
ajis02-278	156	3	further	far	ADV
ajis02-278	156	4	evidenced	evidence	VERB
ajis02-278	156	5	by	by	ADP
ajis02-278	156	6	the	the	DET
ajis02-278	156	7	relatively	relatively	ADV
ajis02-278	156	8	minor	minor	ADJ
ajis02-278	156	9	part	part	NOUN
ajis02-278	156	10	played	play	VERB
ajis02-278	156	11	by	by	ADP
ajis02-278	156	12	eftpos	eftpos	NOUN
ajis02-278	156	13	in	in	ADP
ajis02-278	156	14	decisions	decision	NOUN
ajis02-278	156	15	to	to	PART
ajis02-278	156	16	switch	switch	VERB
ajis02-278	156	17	banks	bank	NOUN
ajis02-278	156	18	.	.	PUNCT
ajis02-278	157	1	while	while	SCONJ
ajis02-278	157	2	a	a	DET
ajis02-278	157	3	modest	modest	ADJ
ajis02-278	157	4	proportion	proportion	NOUN
ajis02-278	157	5	of	of	ADP
ajis02-278	157	6	merchants	merchant	NOUN
ajis02-278	157	7	(	(	PUNCT
ajis02-278	157	8	25	25	NUM
ajis02-278	157	9	%	%	NOUN
ajis02-278	157	10	)	)	PUNCT
ajis02-278	157	11	indicated	indicate	VERB
ajis02-278	157	12	that	that	SCONJ
ajis02-278	157	13	they	they	PRON
ajis02-278	157	14	had	have	AUX
ajis02-278	157	15	changed	change	VERB
ajis02-278	157	16	banks	bank	NOUN
ajis02-278	157	17	during	during	ADP
ajis02-278	157	18	the	the	DET
ajis02-278	157	19	eftpos	eftpos	NOUN
ajis02-278	157	20	expansion	expansion	NOUN
ajis02-278	157	21	period	period	NOUN
ajis02-278	157	22	,	,	PUNCT
ajis02-278	157	23	most	most	ADJ
ajis02-278	157	24	of	of	ADP
ajis02-278	157	25	these	these	PRON
ajis02-278	157	26	indicated	indicate	VERB
ajis02-278	157	27	that	that	SCONJ
ajis02-278	157	28	eftpos	eftpos	NOUN
ajis02-278	157	29	was	be	AUX
ajis02-278	157	30	not	not	PART
ajis02-278	157	31	a	a	DET
ajis02-278	157	32	consideration	consideration	NOUN
ajis02-278	157	33	in	in	ADP
ajis02-278	157	34	their	their	PRON
ajis02-278	157	35	decisions	decision	NOUN
ajis02-278	157	36	to	to	PART
ajis02-278	157	37	do	do	AUX
ajis02-278	157	38	so	so	ADV
ajis02-278	157	39	.	.	PUNCT
ajis02-278	158	1	the	the	DET
ajis02-278	158	2	few	few	ADJ
ajis02-278	158	3	that	that	PRON
ajis02-278	158	4	indicated	indicate	VERB
ajis02-278	158	5	that	that	SCONJ
ajis02-278	158	6	eftpos	eftpos	NOUN
ajis02-278	158	7	was	be	AUX
ajis02-278	158	8	particularly	particularly	ADV
ajis02-278	158	9	important	important	ADJ
ajis02-278	158	10	in	in	ADP
ajis02-278	158	11	their	their	PRON
ajis02-278	158	12	decisions	decision	NOUN
ajis02-278	158	13	to	to	PART
ajis02-278	158	14	switch	switch	VERB
ajis02-278	158	15	banks	bank	NOUN
ajis02-278	158	16	(	(	PUNCT
ajis02-278	158	17	4	4	NUM
ajis02-278	158	18	cases	case	NOUN
ajis02-278	158	19	in	in	ADP
ajis02-278	158	20	total	total	NOUN
ajis02-278	158	21	)	)	PUNCT
ajis02-278	158	22	all	all	PRON
ajis02-278	158	23	indicated	indicate	VERB
ajis02-278	158	24	at	at	ADP
ajis02-278	158	25	least	least	ADV
ajis02-278	158	26	one	one	NUM
ajis02-278	158	27	other	other	ADJ
ajis02-278	158	28	equally	equally	ADV
ajis02-278	158	29	important	important	ADJ
ajis02-278	158	30	factor	factor	NOUN
ajis02-278	158	31	,	,	PUNCT
ajis02-278	158	32	and	and	CCONJ
ajis02-278	158	33	most	most	ADV
ajis02-278	158	34	identified	identify	VERB
ajis02-278	158	35	3	3	NUM
ajis02-278	158	36	or	or	CCONJ
ajis02-278	158	37	4	4	NUM
ajis02-278	158	38	.	.	PUNCT
ajis02-278	159	1	another	another	DET
ajis02-278	159	2	4	4	NUM
ajis02-278	159	3	respondents	respondent	NOUN
ajis02-278	159	4	indicated	indicate	VERB
ajis02-278	159	5	that	that	SCONJ
ajis02-278	159	6	eftpos	eftpos	NOUN
ajis02-278	159	7	was	be	AUX
ajis02-278	159	8	a	a	DET
ajis02-278	159	9	factor	factor	NOUN
ajis02-278	159	10	but	but	CCONJ
ajis02-278	159	11	was	be	AUX
ajis02-278	159	12	much	much	ADV
ajis02-278	159	13	less	less	ADV
ajis02-278	159	14	important	important	ADJ
ajis02-278	159	15	than	than	ADP
ajis02-278	159	16	other	other	ADJ
ajis02-278	159	17	factors	factor	NOUN
ajis02-278	159	18	such	such	ADJ
ajis02-278	159	19	as	as	ADP
ajis02-278	159	20	bank	bank	NOUN
ajis02-278	159	21	fees	fee	NOUN
ajis02-278	159	22	,	,	PUNCT
ajis02-278	159	23	debt	debt	NOUN
ajis02-278	159	24	provision	provision	NOUN
ajis02-278	159	25	and	and	CCONJ
ajis02-278	159	26	quality	quality	NOUN
ajis02-278	159	27	of	of	ADP
ajis02-278	159	28	branch	branch	NOUN
ajis02-278	159	29	service	service	NOUN
ajis02-278	159	30	.	.	PUNCT
ajis02-278	160	1	there	there	PRON
ajis02-278	160	2	is	be	VERB
ajis02-278	160	3	no	no	DET
ajis02-278	160	4	evidence	evidence	NOUN
ajis02-278	160	5	that	that	SCONJ
ajis02-278	160	6	the	the	DET
ajis02-278	160	7	provision	provision	NOUN
ajis02-278	160	8	of	of	ADP
ajis02-278	160	9	eftpos	eftpos	NOUN
ajis02-278	160	10	to	to	ADP
ajis02-278	160	11	merchants	merchant	NOUN
ajis02-278	160	12	provides	provide	VERB
ajis02-278	160	13	banks	bank	NOUN
ajis02-278	160	14	with	with	ADP
ajis02-278	160	15	a	a	DET
ajis02-278	160	16	"	"	PUNCT
ajis02-278	160	17	foot	foot	NOUN
ajis02-278	160	18	-	-	PUNCT
ajis02-278	160	19	in	in	ADP
ajis02-278	160	20	-	-	PUNCT
ajis02-278	160	21	the	the	DET
ajis02-278	160	22	door	door	NOUN
ajis02-278	160	23	"	"	PUNCT
ajis02-278	160	24	.	.	PUNCT
ajis02-278	161	1	indeed	indeed	ADV
ajis02-278	161	2	,	,	PUNCT
ajis02-278	161	3	a	a	DET
ajis02-278	161	4	remarkably	remarkably	ADV
ajis02-278	161	5	consistent	consistent	ADJ
ajis02-278	161	6	proportion	proportion	NOUN
ajis02-278	161	7	(	(	PUNCT
ajis02-278	161	8	30	30	NUM
ajis02-278	161	9	%	%	NOUN
ajis02-278	161	10	)	)	PUNCT
ajis02-278	161	11	of	of	ADP
ajis02-278	161	12	merchants	merchant	NOUN
ajis02-278	161	13	used	use	VERB
ajis02-278	161	14	a	a	DET
ajis02-278	161	15	separate	separate	ADJ
ajis02-278	161	16	eftpos	eftpos	NOUN
ajis02-278	161	17	provider	provider	NOUN
ajis02-278	161	18	,	,	PUNCT
ajis02-278	161	19	regardless	regardless	ADV
ajis02-278	161	20	of	of	ADP
ajis02-278	161	21	whether	whether	SCONJ
ajis02-278	161	22	or	or	CCONJ
ajis02-278	161	23	not	not	PART
ajis02-278	161	24	they	they	PRON
ajis02-278	161	25	had	have	AUX
ajis02-278	161	26	recently	recently	ADV
ajis02-278	161	27	changed	change	VERB
ajis02-278	161	28	banks	bank	NOUN
ajis02-278	161	29	(	(	PUNCT
ajis02-278	161	30	whereas	whereas	SCONJ
ajis02-278	161	31	a	a	DET
ajis02-278	161	32	"	"	PUNCT
ajis02-278	161	33	foot	foot	NOUN
ajis02-278	161	34	-	-	PUNCT
ajis02-278	161	35	in	in	ADP
ajis02-278	161	36	-	-	PUNCT
ajis02-278	161	37	the	the	DET
ajis02-278	161	38	door	door	NOUN
ajis02-278	161	39	"	"	PUNCT
ajis02-278	161	40	argument	argument	NOUN
ajis02-278	161	41	suggests	suggest	VERB
ajis02-278	161	42	that	that	SCONJ
ajis02-278	161	43	recent	recent	ADJ
ajis02-278	161	44	switchers	switcher	NOUN
ajis02-278	161	45	should	should	AUX
ajis02-278	161	46	have	have	VERB
ajis02-278	161	47	a	a	DET
ajis02-278	161	48	much	much	ADV
ajis02-278	161	49	lower	low	ADJ
ajis02-278	161	50	proportion	proportion	NOUN
ajis02-278	161	51	of	of	ADP
ajis02-278	161	52	separate	separate	ADJ
ajis02-278	161	53	providers	provider	NOUN
ajis02-278	161	54	)	)	PUNCT
ajis02-278	161	55	.	.	PUNCT
ajis02-278	162	1	when	when	SCONJ
ajis02-278	162	2	combined	combine	VERB
ajis02-278	162	3	with	with	ADP
ajis02-278	162	4	the	the	DET
ajis02-278	162	5	reasons	reason	NOUN
ajis02-278	162	6	of	of	ADP
ajis02-278	162	7	merchants	merchant	NOUN
ajis02-278	162	8	'	'	PART
ajis02-278	162	9	switching	switch	VERB
ajis02-278	162	10	banks	bank	NOUN
ajis02-278	162	11	,	,	PUNCT
ajis02-278	162	12	this	this	PRON
ajis02-278	162	13	provides	provide	VERB
ajis02-278	162	14	support	support	NOUN
ajis02-278	162	15	for	for	ADP
ajis02-278	162	16	the	the	DET
ajis02-278	162	17	view	view	NOUN
ajis02-278	162	18	that	that	SCONJ
ajis02-278	162	19	merchants	merchant	NOUN
ajis02-278	162	20	do	do	AUX
ajis02-278	162	21	not	not	PART
ajis02-278	162	22	associate	associate	VERB
ajis02-278	162	23	eftpos	eftpos	NOUN
ajis02-278	162	24	services	service	NOUN
ajis02-278	162	25	with	with	ADP
ajis02-278	162	26	their	their	PRON
ajis02-278	162	27	traditional	traditional	ADJ
ajis02-278	162	28	banking	banking	NOUN
ajis02-278	162	29	services	service	NOUN
ajis02-278	162	30	or	or	CCONJ
ajis02-278	162	31	products	product	NOUN
ajis02-278	162	32	.	.	PUNCT
ajis02-278	163	1	this	this	PRON
ajis02-278	163	2	suggests	suggest	VERB
ajis02-278	163	3	that	that	SCONJ
ajis02-278	163	4	bank	bank	NOUN
ajis02-278	163	5	branches	branch	NOUN
ajis02-278	163	6	will	will	AUX
ajis02-278	163	7	not	not	PART
ajis02-278	163	8	experience	experience	VERB
ajis02-278	163	9	a	a	DET
ajis02-278	163	10	significant	significant	ADJ
ajis02-278	163	11	competitiveness	competitiveness	NOUN
ajis02-278	163	12	impact	impact	NOUN
ajis02-278	163	13	from	from	ADP
ajis02-278	163	14	eftpos	eftpos	NOUN
ajis02-278	163	15	.	.	PUNCT
ajis02-278	164	1	this	this	PRON
ajis02-278	164	2	is	be	AUX
ajis02-278	164	3	contrary	contrary	ADJ
ajis02-278	164	4	to	to	ADP
ajis02-278	164	5	implications	implication	NOUN
ajis02-278	164	6	that	that	PRON
ajis02-278	164	7	may	may	AUX
ajis02-278	164	8	be	be	AUX
ajis02-278	164	9	drawn	draw	VERB
ajis02-278	164	10	from	from	ADP
ajis02-278	164	11	the	the	DET
ajis02-278	164	12	specific	specific	ADJ
ajis02-278	164	13	impacts	impact	NOUN
ajis02-278	164	14	(	(	PUNCT
ajis02-278	164	15	on	on	ADP
ajis02-278	164	16	the	the	DET
ajis02-278	164	17	level	level	NOUN
ajis02-278	164	18	and	and	CCONJ
ajis02-278	164	19	nature	nature	NOUN
ajis02-278	164	20	of	of	ADP
ajis02-278	164	21	branch	branch	NOUN
ajis02-278	164	22	business	business	NOUN
ajis02-278	164	23	with	with	ADP
ajis02-278	164	24	merchants	merchant	NOUN
ajis02-278	164	25	)	)	PUNCT
ajis02-278	164	26	identified	identify	VERB
ajis02-278	164	27	in	in	ADP
ajis02-278	164	28	the	the	DET
ajis02-278	164	29	context	context	NOUN
ajis02-278	164	30	of	of	ADP
ajis02-278	164	31	transaction	transaction	NOUN
ajis02-278	164	32	type	type	NOUN
ajis02-278	164	33	substitution	substitution	NOUN
ajis02-278	164	34	,	,	PUNCT
ajis02-278	164	35	branch	branch	NOUN
ajis02-278	164	36	-	-	PUNCT
ajis02-278	164	37	merchant	merchant	NOUN
ajis02-278	164	38	contact	contact	NOUN
ajis02-278	164	39	and	and	CCONJ
ajis02-278	164	40	staff	staff	NOUN
ajis02-278	164	41	skills	skill	NOUN
ajis02-278	164	42	.	.	PUNCT
ajis02-278	165	1	this	this	DET
ajis02-278	165	2	issue	issue	NOUN
ajis02-278	165	3	is	be	AUX
ajis02-278	165	4	examined	examine	VERB
ajis02-278	165	5	using	use	VERB
ajis02-278	165	6	five	five	NUM
ajis02-278	165	7	factors	factor	NOUN
ajis02-278	165	8	as	as	ADP
ajis02-278	165	9	proxies	proxy	NOUN
ajis02-278	165	10	for	for	ADP
ajis02-278	165	11	branch	branch	NOUN
ajis02-278	165	12	business	business	NOUN
ajis02-278	165	13	changes	change	NOUN
ajis02-278	165	14	:	:	PUNCT
ajis02-278	165	15	branch	branch	NOUN
ajis02-278	165	16	relationship	relationship	NOUN
ajis02-278	165	17	with	with	ADP
ajis02-278	165	18	merchants	merchant	NOUN
ajis02-278	165	19	;	;	PUNCT
ajis02-278	165	20	number	number	NOUN
ajis02-278	165	21	of	of	ADP
ajis02-278	165	22	services	service	NOUN
ajis02-278	165	23	or	or	CCONJ
ajis02-278	165	24	products	product	NOUN
ajis02-278	165	25	offered	offer	VERB
ajis02-278	165	26	through	through	ADP
ajis02-278	165	27	the	the	DET
ajis02-278	165	28	branch	branch	NOUN
ajis02-278	165	29	;	;	PUNCT
ajis02-278	165	30	change	change	NOUN
ajis02-278	165	31	in	in	ADP
ajis02-278	165	32	branch	branch	NOUN
ajis02-278	165	33	business	business	NOUN
ajis02-278	165	34	from	from	ADP
ajis02-278	165	35	existing	exist	VERB
ajis02-278	165	36	customers	customer	NOUN
ajis02-278	165	37	;	;	PUNCT
ajis02-278	165	38	merchants	merchant	NOUN
ajis02-278	165	39	'	'	PART
ajis02-278	165	40	view	view	NOUN
ajis02-278	165	41	of	of	ADP
ajis02-278	165	42	their	their	PRON
ajis02-278	165	43	change	change	NOUN
ajis02-278	165	44	in	in	ADP
ajis02-278	165	45	use	use	NOUN
ajis02-278	165	46	of	of	ADP
ajis02-278	165	47	products	product	NOUN
ajis02-278	165	48	;	;	PUNCT
ajis02-278	165	49	and	and	CCONJ
ajis02-278	165	50	new	new	ADJ
ajis02-278	165	51	branch	branch	NOUN
ajis02-278	165	52	business	business	NOUN
ajis02-278	165	53	accounts	account	NOUN
ajis02-278	165	54	.	.	PUNCT
ajis02-278	166	1	the	the	DET
ajis02-278	166	2	first	first	ADJ
ajis02-278	166	3	two	two	NUM
ajis02-278	166	4	of	of	ADP
ajis02-278	166	5	these	these	PRON
ajis02-278	166	6	may	may	AUX
ajis02-278	166	7	pertain	pertain	VERB
ajis02-278	166	8	to	to	ADP
ajis02-278	166	9	either	either	CCONJ
ajis02-278	166	10	retaining	retain	VERB
ajis02-278	166	11	existing	exist	VERB
ajis02-278	166	12	business	business	NOUN
ajis02-278	166	13	(	(	PUNCT
ajis02-278	166	14	competitive	competitive	ADJ
ajis02-278	166	15	necessity	necessity	NOUN
ajis02-278	166	16	)	)	PUNCT
ajis02-278	166	17	or	or	CCONJ
ajis02-278	166	18	generating	generate	VERB
ajis02-278	166	19	new	new	ADJ
ajis02-278	166	20	business	business	NOUN
ajis02-278	166	21	(	(	PUNCT
ajis02-278	166	22	competitive	competitive	ADJ
ajis02-278	166	23	advantage	advantage	NOUN
ajis02-278	166	24	)	)	PUNCT
ajis02-278	166	25	,	,	PUNCT
ajis02-278	166	26	while	while	SCONJ
ajis02-278	166	27	the	the	DET
ajis02-278	166	28	remainder	remainder	NOUN
ajis02-278	166	29	pertain	pertain	NOUN
ajis02-278	166	30	only	only	ADV
ajis02-278	166	31	to	to	ADP
ajis02-278	166	32	generating	generate	VERB
ajis02-278	166	33	new	new	ADJ
ajis02-278	166	34	business	business	NOUN
ajis02-278	166	35	.	.	PUNCT
ajis02-278	167	1	most	most	ADJ
ajis02-278	167	2	bank	bank	NOUN
ajis02-278	167	3	managers	manager	NOUN
ajis02-278	167	4	(	(	PUNCT
ajis02-278	167	5	66	66	NUM
ajis02-278	167	6	%	%	NOUN
ajis02-278	167	7	)	)	PUNCT
ajis02-278	167	8	reported	report	VERB
ajis02-278	167	9	that	that	SCONJ
ajis02-278	167	10	eftpos	eftpos	NOUN
ajis02-278	167	11	had	have	VERB
ajis02-278	167	12	no	no	DET
ajis02-278	167	13	impact	impact	NOUN
ajis02-278	167	14	on	on	ADP
ajis02-278	167	15	the	the	DET
ajis02-278	167	16	branches	branch	NOUN
ajis02-278	167	17	'	'	PART
ajis02-278	167	18	relationship	relationship	NOUN
ajis02-278	167	19	with	with	ADP
ajis02-278	167	20	merchants	merchant	NOUN
ajis02-278	167	21	.	.	PUNCT
ajis02-278	168	1	of	of	ADP
ajis02-278	168	2	the	the	DET
ajis02-278	168	3	balance	balance	NOUN
ajis02-278	168	4	,	,	PUNCT
ajis02-278	168	5	3	3	NUM
ajis02-278	168	6	%	%	NOUN
ajis02-278	168	7	reported	report	VERB
ajis02-278	168	8	a	a	DET
ajis02-278	168	9	deterioration	deterioration	NOUN
ajis02-278	168	10	and	and	CCONJ
ajis02-278	168	11	31	31	NUM
ajis02-278	168	12	%	%	NOUN
ajis02-278	168	13	reported	report	VERB
ajis02-278	168	14	an	an	DET
ajis02-278	168	15	improvement	improvement	NOUN
ajis02-278	168	16	.	.	PUNCT
ajis02-278	169	1	these	these	DET
ajis02-278	169	2	proportions	proportion	NOUN
ajis02-278	169	3	are	be	AUX
ajis02-278	169	4	reasonably	reasonably	ADV
ajis02-278	169	5	consistent	consistent	ADJ
ajis02-278	169	6	with	with	ADP
ajis02-278	169	7	merchants	merchant	NOUN
ajis02-278	169	8	'	'	PART
ajis02-278	169	9	views	view	NOUN
ajis02-278	169	10	(	(	PUNCT
ajis02-278	169	11	72	72	NUM
ajis02-278	169	12	%	%	NOUN
ajis02-278	169	13	no	no	DET
ajis02-278	169	14	effect	effect	NOUN
ajis02-278	169	15	,	,	PUNCT
ajis02-278	169	16	9	9	NUM
ajis02-278	169	17	%	%	NOUN
ajis02-278	169	18	deteriorated	deteriorate	VERB
ajis02-278	169	19	and	and	CCONJ
ajis02-278	169	20	19	19	NUM
ajis02-278	169	21	%	%	NOUN
ajis02-278	169	22	improved	improve	VERB
ajis02-278	169	23	)	)	PUNCT
ajis02-278	169	24	.	.	PUNCT
ajis02-278	170	1	forty	forty	NUM
ajis02-278	170	2	per	per	ADP
ajis02-278	170	3	cent	cent	NOUN
ajis02-278	170	4	of	of	ADP
ajis02-278	170	5	bank	bank	NOUN
ajis02-278	170	6	managers	manager	NOUN
ajis02-278	170	7	believed	believe	VERB
ajis02-278	170	8	that	that	SCONJ
ajis02-278	170	9	eftpos	eftpos	NOUN
ajis02-278	170	10	increased	increase	VERB
ajis02-278	170	11	the	the	DET
ajis02-278	170	12	number	number	NOUN
ajis02-278	170	13	of	of	ADP
ajis02-278	170	14	products	product	NOUN
ajis02-278	170	15	and	and	CCONJ
ajis02-278	170	16	services	service	NOUN
ajis02-278	170	17	offered	offer	VERB
ajis02-278	170	18	through	through	ADP
ajis02-278	170	19	branches	branch	NOUN
ajis02-278	170	20	(	(	PUNCT
ajis02-278	170	21	45	45	NUM
ajis02-278	170	22	%	%	NOUN
ajis02-278	170	23	believed	believe	VERB
ajis02-278	170	24	there	there	PRON
ajis02-278	170	25	was	be	VERB
ajis02-278	170	26	no	no	DET
ajis02-278	170	27	effect	effect	NOUN
ajis02-278	170	28	and	and	CCONJ
ajis02-278	170	29	15	15	NUM
ajis02-278	170	30	%	%	NOUN
ajis02-278	170	31	believed	believe	VERB
ajis02-278	170	32	the	the	DET
ajis02-278	170	33	impact	impact	NOUN
ajis02-278	170	34	was	be	AUX
ajis02-278	170	35	negative	negative	ADJ
ajis02-278	170	36	)	)	PUNCT
ajis02-278	170	37	.	.	PUNCT
ajis02-278	171	1	while	while	SCONJ
ajis02-278	171	2	most	most	ADJ
ajis02-278	171	3	merchants	merchant	NOUN
ajis02-278	171	4	(	(	PUNCT
ajis02-278	171	5	95	95	NUM
ajis02-278	171	6	%	%	NOUN
ajis02-278	171	7	)	)	PUNCT
ajis02-278	171	8	reported	report	VERB
ajis02-278	171	9	no	no	DET
ajis02-278	171	10	change	change	NOUN
ajis02-278	171	11	in	in	ADP
ajis02-278	171	12	their	their	PRON
ajis02-278	171	13	use	use	NOUN
ajis02-278	171	14	of	of	ADP
ajis02-278	171	15	other	other	ADJ
ajis02-278	171	16	banking	banking	NOUN
ajis02-278	171	17	products	product	NOUN
ajis02-278	171	18	or	or	CCONJ
ajis02-278	171	19	services	service	NOUN
ajis02-278	171	20	as	as	ADP
ajis02-278	171	21	a	a	DET
ajis02-278	171	22	consequence	consequence	NOUN
ajis02-278	171	23	of	of	ADP
ajis02-278	171	24	eftpos	eftpos	NOUN
ajis02-278	171	25	,	,	PUNCT
ajis02-278	171	26	20	20	NUM
ajis02-278	171	27	%	%	NOUN
ajis02-278	171	28	of	of	ADP
ajis02-278	171	29	bank	bank	NOUN
ajis02-278	171	30	managers	manager	NOUN
ajis02-278	171	31	perceived	perceive	VERB
ajis02-278	171	32	an	an	DET
ajis02-278	171	33	increase	increase	NOUN
ajis02-278	171	34	in	in	ADP
ajis02-278	171	35	their	their	PRON
ajis02-278	171	36	branch	branch	NOUN
ajis02-278	171	37	business	business	NOUN
ajis02-278	171	38	from	from	ADP
ajis02-278	171	39	existing	exist	VERB
ajis02-278	171	40	merchant	merchant	NOUN
ajis02-278	171	41	customers	customer	NOUN
ajis02-278	171	42	as	as	ADP
ajis02-278	171	43	a	a	DET
ajis02-278	171	44	result	result	NOUN
ajis02-278	171	45	of	of	ADP
ajis02-278	171	46	eftpos	eftpos	NOUN
ajis02-278	171	47	(	(	PUNCT
ajis02-278	171	48	70	70	NUM
ajis02-278	171	49	%	%	NOUN
ajis02-278	171	50	of	of	ADP
ajis02-278	171	51	bank	bank	NOUN
ajis02-278	171	52	managers	manager	NOUN
ajis02-278	171	53	reported	report	VERB
ajis02-278	171	54	no	no	DET
ajis02-278	171	55	change	change	NOUN
ajis02-278	171	56	)	)	PUNCT
ajis02-278	171	57	.	.	PUNCT
ajis02-278	172	1	similarly	similarly	ADV
ajis02-278	172	2	,	,	PUNCT
ajis02-278	172	3	20	20	NUM
ajis02-278	172	4	%	%	NOUN
ajis02-278	172	5	of	of	ADP
ajis02-278	172	6	bank	bank	NOUN
ajis02-278	172	7	managers	manager	NOUN
ajis02-278	172	8	reported	report	VERB
ajis02-278	172	9	an	an	DET
ajis02-278	172	10	increase	increase	NOUN
ajis02-278	172	11	in	in	ADP
ajis02-278	172	12	business	business	NOUN
ajis02-278	172	13	obtained	obtain	VERB
ajis02-278	172	14	through	through	ADP
ajis02-278	172	15	new	new	ADJ
ajis02-278	172	16	business	business	NOUN
ajis02-278	172	17	accounts	account	NOUN
ajis02-278	172	18	as	as	ADP
ajis02-278	172	19	result	result	NOUN
ajis02-278	172	20	of	of	ADP
ajis02-278	172	21	eftpos	eftpos	NOUN
ajis02-278	172	22	and	and	CCONJ
ajis02-278	172	23	65	65	NUM
ajis02-278	172	24	%	%	NOUN
ajis02-278	172	25	reported	report	VERB
ajis02-278	172	26	no	no	DET
ajis02-278	172	27	change	change	NOUN
ajis02-278	172	28	.	.	PUNCT
ajis02-278	173	1	while	while	SCONJ
ajis02-278	173	2	the	the	DET
ajis02-278	173	3	proportion	proportion	NOUN
ajis02-278	173	4	reporting	report	VERB
ajis02-278	173	5	increased	increase	VERB
ajis02-278	173	6	business	business	NOUN
ajis02-278	173	7	from	from	ADP
ajis02-278	173	8	existing	exist	VERB
ajis02-278	173	9	customers	customer	NOUN
ajis02-278	173	10	is	be	AUX
ajis02-278	173	11	consistent	consistent	ADJ
ajis02-278	173	12	with	with	ADP
ajis02-278	173	13	that	that	DET
ajis02-278	173	14	reporting	report	VERB
ajis02-278	173	15	an	an	DET
ajis02-278	173	16	improved	improved	ADJ
ajis02-278	173	17	relationship	relationship	NOUN
ajis02-278	173	18	,	,	PUNCT
ajis02-278	173	19	there	there	PRON
ajis02-278	173	20	are	be	VERB
ajis02-278	173	21	only	only	ADV
ajis02-278	173	22	2	2	NUM
ajis02-278	173	23	respondents	respondent	NOUN
ajis02-278	173	24	common	common	ADJ
ajis02-278	173	25	to	to	ADP
ajis02-278	173	26	these	these	DET
ajis02-278	173	27	categories	category	NOUN
ajis02-278	173	28	.	.	PUNCT
ajis02-278	174	1	on	on	ADP
ajis02-278	174	2	balance	balance	NOUN
ajis02-278	174	3	,	,	PUNCT
ajis02-278	174	4	some	some	DET
ajis02-278	174	5	bank	bank	NOUN
ajis02-278	174	6	managers	manager	NOUN
ajis02-278	174	7	believe	believe	VERB
ajis02-278	174	8	that	that	SCONJ
ajis02-278	174	9	their	their	PRON
ajis02-278	174	10	branches	branch	NOUN
ajis02-278	174	11	have	have	AUX
ajis02-278	174	12	increased	increase	VERB
ajis02-278	174	13	their	their	PRON
ajis02-278	174	14	business	business	NOUN
ajis02-278	174	15	as	as	ADP
ajis02-278	174	16	a	a	DET
ajis02-278	174	17	result	result	NOUN
ajis02-278	174	18	of	of	ADP
ajis02-278	174	19	eftpos	eftpos	NOUN
ajis02-278	174	20	but	but	CCONJ
ajis02-278	174	21	this	this	PRON
ajis02-278	174	22	is	be	AUX
ajis02-278	174	23	not	not	PART
ajis02-278	174	24	supported	support	VERB
ajis02-278	174	25	by	by	ADP
ajis02-278	174	26	the	the	DET
ajis02-278	174	27	analysis	analysis	NOUN
ajis02-278	174	28	of	of	ADP
ajis02-278	174	29	merchants	merchant	NOUN
ajis02-278	174	30	'	'	PART
ajis02-278	174	31	actions	action	NOUN
ajis02-278	174	32	.	.	PUNCT
ajis02-278	175	1	as	as	ADP
ajis02-278	175	2	with	with	ADP
ajis02-278	175	3	other	other	ADJ
ajis02-278	175	4	differences	difference	NOUN
ajis02-278	175	5	identified	identify	VERB
ajis02-278	175	6	above	above	ADV
ajis02-278	175	7	,	,	PUNCT
ajis02-278	175	8	this	this	PRON
ajis02-278	175	9	may	may	AUX
ajis02-278	175	10	reflect	reflect	VERB
ajis02-278	175	11	the	the	DET
ajis02-278	175	12	twofold	twofold	ADJ
ajis02-278	175	13	aggregation	aggregation	NOUN
ajis02-278	175	14	problem	problem	NOUN
ajis02-278	175	15	in	in	ADP
ajis02-278	175	16	branch	branch	NOUN
ajis02-278	175	17	perspectives	perspective	NOUN
ajis02-278	175	18	:	:	PUNCT
ajis02-278	175	19	that	that	SCONJ
ajis02-278	175	20	involving	involve	VERB
ajis02-278	175	21	aggregation	aggregation	NOUN
ajis02-278	175	22	across	across	ADP
ajis02-278	175	23	merchant	merchant	NOUN
ajis02-278	175	24	customers	customer	NOUN
ajis02-278	175	25	and	and	CCONJ
ajis02-278	175	26	that	that	SCONJ
ajis02-278	175	27	involving	involve	VERB
ajis02-278	175	28	difficulty	difficulty	NOUN
ajis02-278	175	29	in	in	ADP
ajis02-278	175	30	separating	separate	VERB
ajis02-278	175	31	eftpos	eftpos	NOUN
ajis02-278	175	32	impacts	impact	NOUN
ajis02-278	175	33	from	from	ADP
ajis02-278	175	34	other	other	ADJ
ajis02-278	175	35	concurrent	concurrent	ADJ
ajis02-278	175	36	changes	change	NOUN
ajis02-278	175	37	in	in	ADP
ajis02-278	175	38	banking	banking	NOUN
ajis02-278	175	39	.	.	PUNCT
ajis02-278	176	1	nonetheless	nonetheless	ADV
ajis02-278	176	2	,	,	PUNCT
ajis02-278	176	3	it	it	PRON
ajis02-278	176	4	highlights	highlight	VERB
ajis02-278	176	5	the	the	DET
ajis02-278	176	6	desirability	desirability	NOUN
ajis02-278	176	7	of	of	ADP
ajis02-278	176	8	incorporating	incorporate	VERB
ajis02-278	176	9	the	the	DET
ajis02-278	176	10	extraorganisational	extraorganisational	ADJ
ajis02-278	176	11	perspective	perspective	NOUN
ajis02-278	176	12	in	in	ADP
ajis02-278	176	13	analysing	analyse	VERB
ajis02-278	176	14	impacts	impact	NOUN
ajis02-278	176	15	on	on	ADP
ajis02-278	176	16	business	business	NOUN
ajis02-278	176	17	units	unit	NOUN
ajis02-278	176	18	.	.	PUNCT
ajis02-278	177	1	conclusion	conclusion	NOUN
ajis02-278	177	2	this	this	DET
ajis02-278	177	3	study	study	NOUN
ajis02-278	177	4	had	have	VERB
ajis02-278	177	5	two	two	NUM
ajis02-278	177	6	elements	element	NOUN
ajis02-278	177	7	in	in	ADP
ajis02-278	177	8	its	its	PRON
ajis02-278	177	9	objectives	objective	NOUN
ajis02-278	177	10	.	.	PUNCT
ajis02-278	178	1	the	the	DET
ajis02-278	178	2	first	first	ADJ
ajis02-278	178	3	was	be	AUX
ajis02-278	178	4	to	to	PART
ajis02-278	178	5	investigate	investigate	VERB
ajis02-278	178	6	the	the	DET
ajis02-278	178	7	impact	impact	NOUN
ajis02-278	178	8	of	of	ADP
ajis02-278	178	9	eftpos	eftpos	NOUN
ajis02-278	178	10	on	on	ADP
ajis02-278	178	11	branch	branch	NOUN
ajis02-278	178	12	banking	banking	NOUN
ajis02-278	178	13	.	.	PUNCT
ajis02-278	179	1	the	the	DET
ajis02-278	179	2	second	second	ADJ
ajis02-278	179	3	was	be	AUX
ajis02-278	179	4	to	to	PART
ajis02-278	179	5	assess	assess	VERB
ajis02-278	179	6	the	the	DET
ajis02-278	179	7	merit	merit	NOUN
ajis02-278	179	8	of	of	ADP
ajis02-278	179	9	analysing	analyse	VERB
ajis02-278	179	10	external	external	ADJ
ajis02-278	179	11	parties	party	NOUN
ajis02-278	179	12	experiences	experience	NOUN
ajis02-278	179	13	and	and	CCONJ
ajis02-278	179	14	perceptions	perception	NOUN
ajis02-278	179	15	in	in	ADP
ajis02-278	179	16	determining	determine	VERB
ajis02-278	179	17	the	the	DET
ajis02-278	179	18	impacts	impact	NOUN
ajis02-278	179	19	of	of	ADP
ajis02-278	179	20	an	an	DET
ajis02-278	179	21	extraorganisational	extraorganisational	ADJ
ajis02-278	179	22	system	system	NOUN
ajis02-278	179	23	on	on	ADP
ajis02-278	179	24	sub	sub	NOUN
ajis02-278	179	25	-	-	NOUN
ajis02-278	179	26	units	unit	NOUN
ajis02-278	179	27	of	of	ADP
ajis02-278	179	28	an	an	DET
ajis02-278	179	29	organisation	organisation	NOUN
ajis02-278	179	30	.	.	PUNCT
ajis02-278	180	1	75	75	NUM
ajis02-278	180	2	ajis	ajis	NOUN
ajis02-278	180	3	vol	vol	NOUN
ajis02-278	180	4	.	.	PROPN
ajis02-278	181	1	7	7	NUM
ajis02-278	181	2	,	,	PUNCT
ajis02-278	181	3	no	no	DET
ajis02-278	181	4	2	2	NUM
ajis02-278	181	5	may	may	PROPN
ajis02-278	181	6	2000	2000	NUM
ajis02-278	181	7	possible	possible	ADJ
ajis02-278	181	8	branch	branch	NOUN
ajis02-278	181	9	level	level	NOUN
ajis02-278	181	10	impacts	impact	NOUN
ajis02-278	181	11	of	of	ADP
ajis02-278	181	12	eftpos	eftpos	NOUN
ajis02-278	181	13	were	be	AUX
ajis02-278	181	14	identified	identify	VERB
ajis02-278	181	15	by	by	ADP
ajis02-278	181	16	reference	reference	NOUN
ajis02-278	181	17	to	to	ADP
ajis02-278	181	18	changes	change	NOUN
ajis02-278	181	19	to	to	ADP
ajis02-278	181	20	activities	activity	NOUN
ajis02-278	181	21	associated	associate	VERB
ajis02-278	181	22	with	with	ADP
ajis02-278	181	23	branch	branch	NOUN
ajis02-278	181	24	functions	function	NOUN
ajis02-278	181	25	(	(	PUNCT
ajis02-278	181	26	the	the	DET
ajis02-278	181	27	delivery	delivery	NOUN
ajis02-278	181	28	of	of	ADP
ajis02-278	181	29	identifiable	identifiable	ADJ
ajis02-278	181	30	products	product	NOUN
ajis02-278	181	31	and	and	CCONJ
ajis02-278	181	32	services	service	NOUN
ajis02-278	181	33	and	and	CCONJ
ajis02-278	181	34	ongoing	ongoing	ADJ
ajis02-278	181	35	interaction	interaction	NOUN
ajis02-278	181	36	with	with	ADP
ajis02-278	181	37	merchant	merchant	NOUN
ajis02-278	181	38	customers	customer	NOUN
ajis02-278	181	39	)	)	PUNCT
ajis02-278	181	40	.	.	PUNCT
ajis02-278	182	1	such	such	ADJ
ajis02-278	182	2	changes	change	NOUN
ajis02-278	182	3	are	be	AUX
ajis02-278	182	4	labelled	label	VERB
ajis02-278	182	5	as	as	ADP
ajis02-278	182	6	efficiency	efficiency	NOUN
ajis02-278	182	7	,	,	PUNCT
ajis02-278	182	8	effectiveness	effectiveness	NOUN
ajis02-278	182	9	and	and	CCONJ
ajis02-278	182	10	promoting	promote	VERB
ajis02-278	182	11	competitiveness	competitiveness	NOUN
ajis02-278	182	12	impacts	impact	NOUN
ajis02-278	182	13	.	.	PUNCT
ajis02-278	183	1	eftpos	eftpos	NOUN
ajis02-278	183	2	appears	appear	VERB
ajis02-278	183	3	to	to	PART
ajis02-278	183	4	have	have	AUX
ajis02-278	183	5	provided	provide	VERB
ajis02-278	183	6	some	some	DET
ajis02-278	183	7	efficiency	efficiency	NOUN
ajis02-278	183	8	gains	gain	NOUN
ajis02-278	183	9	to	to	ADP
ajis02-278	183	10	bank	bank	NOUN
ajis02-278	183	11	branches	branch	NOUN
ajis02-278	183	12	,	,	PUNCT
ajis02-278	183	13	identified	identify	VERB
ajis02-278	183	14	in	in	ADP
ajis02-278	183	15	the	the	DET
ajis02-278	183	16	context	context	NOUN
ajis02-278	183	17	of	of	ADP
ajis02-278	183	18	transaction	transaction	NOUN
ajis02-278	183	19	type	type	NOUN
ajis02-278	183	20	substitutions	substitution	NOUN
ajis02-278	183	21	and	and	CCONJ
ajis02-278	183	22	staff	staff	NOUN
ajis02-278	183	23	changes	change	NOUN
ajis02-278	183	24	.	.	PUNCT
ajis02-278	184	1	this	this	PRON
ajis02-278	184	2	is	be	AUX
ajis02-278	184	3	identified	identify	VERB
ajis02-278	184	4	from	from	ADP
ajis02-278	184	5	merchant	merchant	NOUN
ajis02-278	184	6	responses	response	NOUN
ajis02-278	184	7	,	,	PUNCT
ajis02-278	184	8	with	with	ADP
ajis02-278	184	9	bank	bank	NOUN
ajis02-278	184	10	managers	manager	NOUN
ajis02-278	184	11	'	'	PART
ajis02-278	184	12	perceptions	perception	NOUN
ajis02-278	184	13	suggesting	suggest	VERB
ajis02-278	184	14	difficulty	difficulty	NOUN
ajis02-278	184	15	in	in	ADP
ajis02-278	184	16	separating	separate	VERB
ajis02-278	184	17	such	such	ADJ
ajis02-278	184	18	impacts	impact	NOUN
ajis02-278	184	19	from	from	ADP
ajis02-278	184	20	concurrent	concurrent	ADJ
ajis02-278	184	21	changes	change	NOUN
ajis02-278	184	22	in	in	ADP
ajis02-278	184	23	other	other	ADJ
ajis02-278	184	24	areas	area	NOUN
ajis02-278	184	25	of	of	ADP
ajis02-278	184	26	banking	banking	NOUN
ajis02-278	184	27	for	for	ADP
ajis02-278	184	28	transaction	transaction	NOUN
ajis02-278	184	29	substitution	substitution	NOUN
ajis02-278	184	30	.	.	PUNCT
ajis02-278	185	1	the	the	DET
ajis02-278	185	2	merchant	merchant	NOUN
ajis02-278	185	3	perspective	perspective	NOUN
ajis02-278	185	4	is	be	AUX
ajis02-278	185	5	supported	support	VERB
ajis02-278	185	6	by	by	ADP
ajis02-278	185	7	bank	bank	NOUN
ajis02-278	185	8	managers	manager	NOUN
ajis02-278	185	9	reporting	report	VERB
ajis02-278	185	10	reduced	reduce	VERB
ajis02-278	185	11	staff	staff	NOUN
ajis02-278	185	12	numbers	number	NOUN
ajis02-278	185	13	or	or	CCONJ
ajis02-278	185	14	increased	increase	VERB
ajis02-278	185	15	(	(	PUNCT
ajis02-278	185	16	substitute	substitute	NOUN
ajis02-278	185	17	)	)	PUNCT
ajis02-278	185	18	activities	activity	NOUN
ajis02-278	185	19	by	by	ADP
ajis02-278	185	20	staff	staff	NOUN
ajis02-278	185	21	.	.	PUNCT
ajis02-278	186	1	these	these	DET
ajis02-278	186	2	efficiencies	efficiency	NOUN
ajis02-278	186	3	,	,	PUNCT
ajis02-278	186	4	however	however	ADV
ajis02-278	186	5	,	,	PUNCT
ajis02-278	186	6	appear	appear	VERB
ajis02-278	186	7	to	to	PART
ajis02-278	186	8	be	be	AUX
ajis02-278	186	9	confined	confine	VERB
ajis02-278	186	10	to	to	ADP
ajis02-278	186	11	the	the	DET
ajis02-278	186	12	transaction	transaction	NOUN
ajis02-278	186	13	processing	processing	NOUN
ajis02-278	186	14	activities	activity	NOUN
ajis02-278	186	15	and	and	CCONJ
ajis02-278	186	16	not	not	PART
ajis02-278	186	17	in	in	ADP
ajis02-278	186	18	the	the	DET
ajis02-278	186	19	frequency	frequency	NOUN
ajis02-278	186	20	of	of	ADP
ajis02-278	186	21	counter	counter	NOUN
ajis02-278	186	22	transactions	transaction	NOUN
ajis02-278	186	23	or	or	CCONJ
ajis02-278	186	24	other	other	ADJ
ajis02-278	186	25	dealings	dealing	NOUN
ajis02-278	186	26	with	with	ADP
ajis02-278	186	27	customers	customer	NOUN
ajis02-278	186	28	.	.	PUNCT
ajis02-278	187	1	effectiveness	effectiveness	NOUN
ajis02-278	187	2	impacts	impact	NOUN
ajis02-278	187	3	for	for	ADP
ajis02-278	187	4	bank	bank	NOUN
ajis02-278	187	5	branches	branch	NOUN
ajis02-278	187	6	were	be	AUX
ajis02-278	187	7	identified	identify	VERB
ajis02-278	187	8	by	by	ADP
ajis02-278	187	9	reference	reference	NOUN
ajis02-278	187	10	to	to	ADP
ajis02-278	187	11	dealings	dealing	NOUN
ajis02-278	187	12	with	with	ADP
ajis02-278	187	13	customers	customer	NOUN
ajis02-278	187	14	,	,	PUNCT
ajis02-278	187	15	including	include	VERB
ajis02-278	187	16	the	the	DET
ajis02-278	187	17	nature	nature	NOUN
ajis02-278	187	18	and	and	CCONJ
ajis02-278	187	19	frequency	frequency	NOUN
ajis02-278	187	20	of	of	ADP
ajis02-278	187	21	contact	contact	NOUN
ajis02-278	187	22	with	with	ADP
ajis02-278	187	23	merchants	merchant	NOUN
ajis02-278	187	24	and	and	CCONJ
ajis02-278	187	25	the	the	DET
ajis02-278	187	26	bank	bank	NOUN
ajis02-278	187	27	-	-	PUNCT
ajis02-278	187	28	merchant	merchant	NOUN
ajis02-278	187	29	relationship	relationship	NOUN
ajis02-278	187	30	.	.	PUNCT
ajis02-278	188	1	while	while	SCONJ
ajis02-278	188	2	some	some	DET
ajis02-278	188	3	bank	bank	NOUN
ajis02-278	188	4	managers	manager	NOUN
ajis02-278	188	5	believed	believe	VERB
ajis02-278	188	6	there	there	PRON
ajis02-278	188	7	were	be	VERB
ajis02-278	188	8	identifiable	identifiable	ADJ
ajis02-278	188	9	decreases	decrease	NOUN
ajis02-278	188	10	in	in	ADP
ajis02-278	188	11	merchant	merchant	NOUN
ajis02-278	188	12	visits	visit	NOUN
ajis02-278	188	13	to	to	ADP
ajis02-278	188	14	or	or	CCONJ
ajis02-278	188	15	inquiries	inquiry	NOUN
ajis02-278	188	16	through	through	ADP
ajis02-278	188	17	the	the	DET
ajis02-278	188	18	branches	branch	NOUN
ajis02-278	188	19	(	(	PUNCT
ajis02-278	188	20	40	40	NUM
ajis02-278	188	21	%	%	NOUN
ajis02-278	188	22	and	and	CCONJ
ajis02-278	188	23	25	25	NUM
ajis02-278	188	24	%	%	NOUN
ajis02-278	188	25	respectively	respectively	ADV
ajis02-278	188	26	)	)	PUNCT
ajis02-278	188	27	,	,	PUNCT
ajis02-278	188	28	merchant	merchant	NOUN
ajis02-278	188	29	perspectives	perspective	NOUN
ajis02-278	188	30	indicate	indicate	VERB
ajis02-278	188	31	that	that	SCONJ
ajis02-278	188	32	eftpos	eftpos	NOUN
ajis02-278	188	33	had	have	VERB
ajis02-278	188	34	little	little	ADJ
ajis02-278	188	35	or	or	CCONJ
ajis02-278	188	36	no	no	PRON
ajis02-278	188	37	impact	impact	NOUN
ajis02-278	188	38	in	in	ADP
ajis02-278	188	39	this	this	DET
ajis02-278	188	40	regard	regard	NOUN
ajis02-278	188	41	.	.	PUNCT
ajis02-278	189	1	whether	whether	SCONJ
ajis02-278	189	2	this	this	PRON
ajis02-278	189	3	represents	represent	VERB
ajis02-278	189	4	overstatements	overstatement	NOUN
ajis02-278	189	5	by	by	ADP
ajis02-278	189	6	bank	bank	NOUN
ajis02-278	189	7	managers	manager	NOUN
ajis02-278	189	8	or	or	CCONJ
ajis02-278	189	9	differences	difference	NOUN
ajis02-278	189	10	in	in	ADP
ajis02-278	189	11	perspectives	perspective	NOUN
ajis02-278	189	12	caused	cause	VERB
ajis02-278	189	13	by	by	ADP
ajis02-278	189	14	bank	bank	NOUN
ajis02-278	189	15	managers	manager	NOUN
ajis02-278	189	16	'	'	PART
ajis02-278	189	17	views	view	NOUN
ajis02-278	189	18	being	be	AUX
ajis02-278	189	19	aggregations	aggregation	NOUN
ajis02-278	189	20	across	across	ADP
ajis02-278	189	21	their	their	PRON
ajis02-278	189	22	merchant	merchant	NOUN
ajis02-278	189	23	portfolios	portfolio	NOUN
ajis02-278	189	24	can	can	AUX
ajis02-278	189	25	not	not	PART
ajis02-278	189	26	be	be	AUX
ajis02-278	189	27	determined	determine	VERB
ajis02-278	189	28	.	.	PUNCT
ajis02-278	190	1	in	in	ADP
ajis02-278	190	2	either	either	DET
ajis02-278	190	3	case	case	NOUN
ajis02-278	190	4	,	,	PUNCT
ajis02-278	190	5	this	this	PRON
ajis02-278	190	6	demonstrates	demonstrate	VERB
ajis02-278	190	7	that	that	SCONJ
ajis02-278	190	8	a	a	DET
ajis02-278	190	9	more	more	ADV
ajis02-278	190	10	accurate	accurate	ADJ
ajis02-278	190	11	or	or	CCONJ
ajis02-278	190	12	richer	rich	ADJ
ajis02-278	190	13	view	view	NOUN
ajis02-278	190	14	of	of	ADP
ajis02-278	190	15	impacts	impact	NOUN
ajis02-278	190	16	might	might	AUX
ajis02-278	190	17	be	be	AUX
ajis02-278	190	18	obtained	obtain	VERB
ajis02-278	190	19	by	by	ADP
ajis02-278	190	20	analysis	analysis	NOUN
ajis02-278	190	21	of	of	ADP
ajis02-278	190	22	extraorganisational	extraorganisational	ADJ
ajis02-278	190	23	perspectives	perspective	NOUN
ajis02-278	190	24	.	.	PUNCT
ajis02-278	191	1	reasonably	reasonably	ADV
ajis02-278	191	2	consistent	consistent	ADJ
ajis02-278	191	3	views	view	NOUN
ajis02-278	191	4	were	be	AUX
ajis02-278	191	5	obtained	obtain	VERB
ajis02-278	191	6	in	in	ADP
ajis02-278	191	7	the	the	DET
ajis02-278	191	8	case	case	NOUN
ajis02-278	191	9	of	of	ADP
ajis02-278	191	10	the	the	DET
ajis02-278	191	11	bank	bank	NOUN
ajis02-278	191	12	-	-	PUNCT
ajis02-278	191	13	merchant	merchant	NOUN
ajis02-278	191	14	relationship	relationship	NOUN
ajis02-278	191	15	,	,	PUNCT
ajis02-278	191	16	with	with	ADP
ajis02-278	191	17	improvements	improvement	NOUN
ajis02-278	191	18	reported	report	VERB
ajis02-278	191	19	by	by	ADP
ajis02-278	191	20	substantial	substantial	ADJ
ajis02-278	191	21	minorities	minority	NOUN
ajis02-278	191	22	of	of	ADP
ajis02-278	191	23	both	both	DET
ajis02-278	191	24	merchants	merchant	NOUN
ajis02-278	191	25	and	and	CCONJ
ajis02-278	191	26	bank	bank	NOUN
ajis02-278	191	27	managers	manager	NOUN
ajis02-278	191	28	.	.	PUNCT
ajis02-278	192	1	importantly	importantly	ADV
ajis02-278	192	2	,	,	PUNCT
ajis02-278	192	3	however	however	ADV
ajis02-278	192	4	,	,	PUNCT
ajis02-278	192	5	this	this	PRON
ajis02-278	192	6	does	do	AUX
ajis02-278	192	7	not	not	PART
ajis02-278	192	8	appear	appear	VERB
ajis02-278	192	9	to	to	PART
ajis02-278	192	10	have	have	AUX
ajis02-278	192	11	flowed	flow	VERB
ajis02-278	192	12	through	through	ADP
ajis02-278	192	13	to	to	ADP
ajis02-278	192	14	the	the	DET
ajis02-278	192	15	competitiveness	competitiveness	NOUN
ajis02-278	192	16	impacts	impact	NOUN
ajis02-278	192	17	.	.	PUNCT
ajis02-278	193	1	if	if	SCONJ
ajis02-278	193	2	banks	bank	NOUN
ajis02-278	193	3	have	have	AUX
ajis02-278	193	4	experienced	experience	VERB
ajis02-278	193	5	any	any	DET
ajis02-278	193	6	competitiveness	competitiveness	NOUN
ajis02-278	193	7	impacts	impact	NOUN
ajis02-278	193	8	from	from	ADP
ajis02-278	193	9	eftpos	eftpos	NOUN
ajis02-278	193	10	,	,	PUNCT
ajis02-278	193	11	it	it	PRON
ajis02-278	193	12	seems	seem	VERB
ajis02-278	193	13	unlikely	unlikely	ADJ
ajis02-278	193	14	that	that	SCONJ
ajis02-278	193	15	this	this	PRON
ajis02-278	193	16	was	be	AUX
ajis02-278	193	17	at	at	ADP
ajis02-278	193	18	the	the	DET
ajis02-278	193	19	branch	branch	NOUN
ajis02-278	193	20	level	level	NOUN
ajis02-278	193	21	.	.	PUNCT
ajis02-278	194	1	again	again	ADV
ajis02-278	194	2	,	,	PUNCT
ajis02-278	194	3	this	this	PRON
ajis02-278	194	4	was	be	AUX
ajis02-278	194	5	evidenced	evidence	VERB
ajis02-278	194	6	most	most	ADV
ajis02-278	194	7	clearly	clearly	ADV
ajis02-278	194	8	by	by	ADP
ajis02-278	194	9	reference	reference	NOUN
ajis02-278	194	10	to	to	ADP
ajis02-278	194	11	merchants	merchant	NOUN
ajis02-278	194	12	'	'	PART
ajis02-278	194	13	behaviour	behaviour	NOUN
ajis02-278	194	14	,	,	PUNCT
ajis02-278	194	15	rather	rather	ADV
ajis02-278	194	16	than	than	ADP
ajis02-278	194	17	the	the	DET
ajis02-278	194	18	internal	internal	ADJ
ajis02-278	194	19	perspective	perspective	NOUN
ajis02-278	194	20	.	.	PUNCT
ajis02-278	195	1	again	again	ADV
ajis02-278	195	2	,	,	PUNCT
ajis02-278	195	3	it	it	PRON
ajis02-278	195	4	can	can	AUX
ajis02-278	195	5	not	not	PART
ajis02-278	195	6	be	be	AUX
ajis02-278	195	7	determined	determine	VERB
ajis02-278	195	8	whether	whether	SCONJ
ajis02-278	195	9	these	these	DET
ajis02-278	195	10	differences	difference	NOUN
ajis02-278	195	11	are	be	AUX
ajis02-278	195	12	due	due	ADJ
ajis02-278	195	13	to	to	ADP
ajis02-278	195	14	overstatements	overstatement	NOUN
ajis02-278	195	15	by	by	ADP
ajis02-278	195	16	bank	bank	NOUN
ajis02-278	195	17	managers	manager	NOUN
ajis02-278	195	18	or	or	CCONJ
ajis02-278	195	19	bank	bank	NOUN
ajis02-278	195	20	managers	manager	NOUN
ajis02-278	195	21	'	'	PART
ajis02-278	195	22	views	view	NOUN
ajis02-278	195	23	being	be	AUX
ajis02-278	195	24	aggregations	aggregation	NOUN
ajis02-278	195	25	across	across	ADP
ajis02-278	195	26	their	their	PRON
ajis02-278	195	27	merchant	merchant	NOUN
ajis02-278	195	28	portfolio	portfolio	NOUN
ajis02-278	195	29	.	.	PUNCT
ajis02-278	196	1	while	while	SCONJ
ajis02-278	196	2	a	a	DET
ajis02-278	196	3	significant	significant	ADJ
ajis02-278	196	4	minority	minority	NOUN
ajis02-278	196	5	of	of	ADP
ajis02-278	196	6	bank	bank	NOUN
ajis02-278	196	7	managers	manager	NOUN
ajis02-278	196	8	reported	report	VERB
ajis02-278	196	9	increases	increase	NOUN
ajis02-278	196	10	in	in	ADP
ajis02-278	196	11	branch	branch	NOUN
ajis02-278	196	12	business	business	NOUN
ajis02-278	196	13	,	,	PUNCT
ajis02-278	196	14	95	95	NUM
ajis02-278	196	15	%	%	NOUN
ajis02-278	196	16	of	of	ADP
ajis02-278	196	17	merchants	merchant	NOUN
ajis02-278	196	18	indicated	indicate	VERB
ajis02-278	196	19	that	that	SCONJ
ajis02-278	196	20	they	they	PRON
ajis02-278	196	21	had	have	AUX
ajis02-278	196	22	not	not	PART
ajis02-278	196	23	changed	change	VERB
ajis02-278	196	24	their	their	PRON
ajis02-278	196	25	use	use	NOUN
ajis02-278	196	26	of	of	ADP
ajis02-278	196	27	other	other	ADJ
ajis02-278	196	28	bank	bank	NOUN
ajis02-278	196	29	products	product	NOUN
ajis02-278	196	30	or	or	CCONJ
ajis02-278	196	31	services	service	NOUN
ajis02-278	196	32	as	as	ADP
ajis02-278	196	33	a	a	DET
ajis02-278	196	34	result	result	NOUN
ajis02-278	196	35	of	of	ADP
ajis02-278	196	36	eftpos	eftpos	NOUN
ajis02-278	196	37	.	.	PUNCT
ajis02-278	197	1	when	when	SCONJ
ajis02-278	197	2	combined	combine	VERB
ajis02-278	197	3	with	with	ADP
ajis02-278	197	4	the	the	DET
ajis02-278	197	5	analysis	analysis	NOUN
ajis02-278	197	6	of	of	ADP
ajis02-278	197	7	merchant	merchant	NOUN
ajis02-278	197	8	behaviour	behaviour	NOUN
ajis02-278	197	9	in	in	ADP
ajis02-278	197	10	choosing	choose	VERB
ajis02-278	197	11	eftpos	eftpos	NOUN
ajis02-278	197	12	providers	provider	NOUN
ajis02-278	197	13	or	or	CCONJ
ajis02-278	197	14	switching	switch	VERB
ajis02-278	197	15	banks	bank	NOUN
ajis02-278	197	16	,	,	PUNCT
ajis02-278	197	17	it	it	PRON
ajis02-278	197	18	further	far	ADV
ajis02-278	197	19	illustrates	illustrate	VERB
ajis02-278	197	20	the	the	DET
ajis02-278	197	21	potential	potential	ADJ
ajis02-278	197	22	value	value	NOUN
ajis02-278	197	23	of	of	ADP
ajis02-278	197	24	incorporating	incorporate	VERB
ajis02-278	197	25	extraorganisational	extraorganisational	ADJ
ajis02-278	197	26	perspectives	perspective	NOUN
ajis02-278	197	27	in	in	ADP
ajis02-278	197	28	assessing	assess	VERB
ajis02-278	197	29	organisational	organisational	ADJ
ajis02-278	197	30	impact	impact	NOUN
ajis02-278	197	31	.	.	PUNCT
ajis02-278	198	1	limitations	limitation	NOUN
ajis02-278	198	2	several	several	ADJ
ajis02-278	198	3	data	datum	NOUN
ajis02-278	198	4	limitations	limitation	NOUN
ajis02-278	198	5	reduce	reduce	VERB
ajis02-278	198	6	the	the	DET
ajis02-278	198	7	generalisability	generalisability	NOUN
ajis02-278	198	8	of	of	ADP
ajis02-278	198	9	these	these	DET
ajis02-278	198	10	results	result	NOUN
ajis02-278	198	11	.	.	PUNCT
ajis02-278	199	1	all	all	PRON
ajis02-278	199	2	of	of	ADP
ajis02-278	199	3	the	the	DET
ajis02-278	199	4	data	data	NOUN
ajis02-278	199	5	is	be	AUX
ajis02-278	199	6	regional	regional	ADJ
ajis02-278	199	7	although	although	SCONJ
ajis02-278	199	8	any	any	DET
ajis02-278	199	9	differences	difference	NOUN
ajis02-278	199	10	between	between	ADP
ajis02-278	199	11	the	the	DET
ajis02-278	199	12	act	act	NOUN
ajis02-278	199	13	region	region	NOUN
ajis02-278	199	14	and	and	CCONJ
ajis02-278	199	15	the	the	DET
ajis02-278	199	16	rest	rest	NOUN
ajis02-278	199	17	of	of	ADP
ajis02-278	199	18	australia	australia	PROPN
ajis02-278	199	19	in	in	ADP
ajis02-278	199	20	relation	relation	NOUN
ajis02-278	199	21	to	to	ADP
ajis02-278	199	22	banking	banking	NOUN
ajis02-278	199	23	or	or	CCONJ
ajis02-278	199	24	the	the	DET
ajis02-278	199	25	use	use	NOUN
ajis02-278	199	26	of	of	ADP
ajis02-278	199	27	eftpos	eftpos	NOUN
ajis02-278	199	28	can	can	AUX
ajis02-278	199	29	not	not	PART
ajis02-278	199	30	be	be	AUX
ajis02-278	199	31	identified	identify	VERB
ajis02-278	199	32	.	.	PUNCT
ajis02-278	200	1	likewise	likewise	ADV
ajis02-278	200	2	,	,	PUNCT
ajis02-278	200	3	the	the	DET
ajis02-278	200	4	nature	nature	NOUN
ajis02-278	200	5	and	and	CCONJ
ajis02-278	200	6	extent	extent	NOUN
ajis02-278	200	7	of	of	ADP
ajis02-278	200	8	any	any	DET
ajis02-278	200	9	response	response	NOUN
ajis02-278	200	10	bias	bias	NOUN
ajis02-278	200	11	for	for	ADP
ajis02-278	200	12	either	either	DET
ajis02-278	200	13	banks	bank	NOUN
ajis02-278	200	14	or	or	CCONJ
ajis02-278	200	15	merchants	merchant	NOUN
ajis02-278	200	16	is	be	AUX
ajis02-278	200	17	unknown	unknown	ADJ
ajis02-278	200	18	.	.	PUNCT
ajis02-278	201	1	however	however	ADV
ajis02-278	201	2	,	,	PUNCT
ajis02-278	201	3	the	the	DET
ajis02-278	201	4	range	range	NOUN
ajis02-278	201	5	of	of	ADP
ajis02-278	201	6	merchant	merchant	NOUN
ajis02-278	201	7	types	type	NOUN
ajis02-278	201	8	in	in	ADP
ajis02-278	201	9	the	the	DET
ajis02-278	201	10	sample	sample	NOUN
ajis02-278	201	11	and	and	CCONJ
ajis02-278	201	12	variety	variety	NOUN
ajis02-278	201	13	of	of	ADP
ajis02-278	201	14	individual	individual	ADJ
ajis02-278	201	15	responses	response	NOUN
ajis02-278	201	16	suggest	suggest	VERB
ajis02-278	201	17	little	little	ADJ
ajis02-278	201	18	likelihood	likelihood	NOUN
ajis02-278	201	19	of	of	ADP
ajis02-278	201	20	particular	particular	ADJ
ajis02-278	201	21	responses	response	NOUN
ajis02-278	201	22	biases	bias	NOUN
ajis02-278	201	23	in	in	ADP
ajis02-278	201	24	respect	respect	NOUN
ajis02-278	201	25	of	of	ADP
ajis02-278	201	26	the	the	DET
ajis02-278	201	27	issues	issue	NOUN
ajis02-278	201	28	considered	consider	VERB
ajis02-278	201	29	.	.	PUNCT
ajis02-278	202	1	the	the	DET
ajis02-278	202	2	number	number	NOUN
ajis02-278	202	3	of	of	ADP
ajis02-278	202	4	bank	bank	NOUN
ajis02-278	202	5	branches	branch	NOUN
ajis02-278	202	6	in	in	ADP
ajis02-278	202	7	the	the	DET
ajis02-278	202	8	sample	sample	NOUN
ajis02-278	202	9	limit	limit	VERB
ajis02-278	202	10	the	the	DET
ajis02-278	202	11	extent	extent	NOUN
ajis02-278	202	12	to	to	PART
ajis02-278	202	13	which	which	PRON
ajis02-278	202	14	responses	response	NOUN
ajis02-278	202	15	can	can	AUX
ajis02-278	202	16	be	be	AUX
ajis02-278	202	17	disaggregated	disaggregate	VERB
ajis02-278	202	18	.	.	PUNCT
ajis02-278	203	1	nonetheless	nonetheless	ADV
ajis02-278	203	2	,	,	PUNCT
ajis02-278	203	3	it	it	PRON
ajis02-278	203	4	provided	provide	VERB
ajis02-278	203	5	a	a	DET
ajis02-278	203	6	reasonable	reasonable	ADJ
ajis02-278	203	7	basis	basis	NOUN
ajis02-278	203	8	for	for	ADP
ajis02-278	203	9	this	this	DET
ajis02-278	203	10	exploratory	exploratory	ADJ
ajis02-278	203	11	study	study	NOUN
ajis02-278	203	12	of	of	ADP
ajis02-278	203	13	the	the	DET
ajis02-278	203	14	experiences	experience	NOUN
ajis02-278	203	15	and	and	CCONJ
ajis02-278	203	16	perceptions	perception	NOUN
ajis02-278	203	17	of	of	ADP
ajis02-278	203	18	key	key	ADJ
ajis02-278	203	19	participants	participant	NOUN
ajis02-278	203	20	in	in	ADP
ajis02-278	203	21	a	a	DET
ajis02-278	203	22	largely	largely	ADV
ajis02-278	203	23	overlooked	overlook	VERB
ajis02-278	203	24	extraorganisational	extraorganisational	ADJ
ajis02-278	203	25	it	it	PRON
ajis02-278	203	26	application	application	NOUN
ajis02-278	203	27	.	.	PUNCT
ajis02-278	204	1	methodologically	methodologically	ADV
ajis02-278	204	2	,	,	PUNCT
ajis02-278	204	3	it	it	PRON
ajis02-278	204	4	is	be	AUX
ajis02-278	204	5	important	important	ADJ
ajis02-278	204	6	to	to	PART
ajis02-278	204	7	note	note	VERB
ajis02-278	204	8	that	that	SCONJ
ajis02-278	204	9	the	the	DET
ajis02-278	204	10	assessment	assessment	NOUN
ajis02-278	204	11	of	of	ADP
ajis02-278	204	12	impacts	impact	NOUN
ajis02-278	204	13	were	be	AUX
ajis02-278	204	14	based	base	VERB
ajis02-278	204	15	primarily	primarily	ADV
ajis02-278	204	16	on	on	ADP
ajis02-278	204	17	perceptions	perception	NOUN
ajis02-278	204	18	.	.	PUNCT
ajis02-278	205	1	banks	bank	NOUN
ajis02-278	205	2	should	should	AUX
ajis02-278	205	3	be	be	AUX
ajis02-278	205	4	able	able	ADJ
ajis02-278	205	5	to	to	PART
ajis02-278	205	6	pursue	pursue	VERB
ajis02-278	205	7	a	a	DET
ajis02-278	205	8	more	more	ADV
ajis02-278	205	9	rigorous	rigorous	ADJ
ajis02-278	205	10	analysis	analysis	NOUN
ajis02-278	205	11	of	of	ADP
ajis02-278	205	12	impacts	impact	NOUN
ajis02-278	205	13	using	use	VERB
ajis02-278	205	14	quantitative	quantitative	ADJ
ajis02-278	205	15	data	datum	NOUN
ajis02-278	205	16	from	from	ADP
ajis02-278	205	17	internal	internal	ADJ
ajis02-278	205	18	records	record	NOUN
ajis02-278	205	19	,	,	PUNCT
ajis02-278	205	20	but	but	CCONJ
ajis02-278	205	21	it	it	PRON
ajis02-278	205	22	seems	seem	VERB
ajis02-278	205	23	this	this	PRON
ajis02-278	205	24	may	may	AUX
ajis02-278	205	25	still	still	ADV
ajis02-278	205	26	be	be	AUX
ajis02-278	205	27	unduly	unduly	ADV
ajis02-278	205	28	limited	limited	ADJ
ajis02-278	205	29	if	if	SCONJ
ajis02-278	205	30	they	they	PRON
ajis02-278	205	31	do	do	AUX
ajis02-278	205	32	not	not	PART
ajis02-278	205	33	take	take	VERB
ajis02-278	205	34	account	account	NOUN
ajis02-278	205	35	of	of	ADP
ajis02-278	205	36	extraorganisational	extraorganisational	ADJ
ajis02-278	205	37	perspectives	perspective	NOUN
ajis02-278	205	38	of	of	ADP
ajis02-278	205	39	impacts	impact	NOUN
ajis02-278	205	40	.	.	PUNCT
ajis02-278	206	1	implications	implication	NOUN
ajis02-278	206	2	the	the	DET
ajis02-278	206	3	implications	implication	NOUN
ajis02-278	206	4	of	of	ADP
ajis02-278	206	5	this	this	DET
ajis02-278	206	6	study	study	NOUN
ajis02-278	206	7	for	for	ADP
ajis02-278	206	8	assessing	assess	VERB
ajis02-278	206	9	the	the	DET
ajis02-278	206	10	impacts	impact	NOUN
ajis02-278	206	11	of	of	ADP
ajis02-278	206	12	eftpos	eftpos	NOUN
ajis02-278	206	13	are	be	AUX
ajis02-278	206	14	modest	modest	ADJ
ajis02-278	206	15	given	give	VERB
ajis02-278	206	16	the	the	DET
ajis02-278	206	17	limitations	limitation	NOUN
ajis02-278	206	18	noted	note	VERB
ajis02-278	206	19	above	above	ADV
ajis02-278	206	20	.	.	PUNCT
ajis02-278	207	1	however	however	ADV
ajis02-278	207	2	,	,	PUNCT
ajis02-278	207	3	it	it	PRON
ajis02-278	207	4	does	do	AUX
ajis02-278	207	5	suggest	suggest	VERB
ajis02-278	207	6	that	that	SCONJ
ajis02-278	207	7	,	,	PUNCT
ajis02-278	207	8	even	even	ADV
ajis02-278	207	9	at	at	ADP
ajis02-278	207	10	the	the	DET
ajis02-278	207	11	sub	sub	ADJ
ajis02-278	207	12	-	-	ADJ
ajis02-278	207	13	unit	unit	ADJ
ajis02-278	207	14	level	level	NOUN
ajis02-278	207	15	,	,	PUNCT
ajis02-278	207	16	bank	bank	NOUN
ajis02-278	207	17	managers	manager	NOUN
ajis02-278	207	18	may	may	AUX
ajis02-278	207	19	have	have	VERB
ajis02-278	207	20	difficulty	difficulty	NOUN
ajis02-278	207	21	separating	separate	VERB
ajis02-278	207	22	the	the	DET
ajis02-278	207	23	impacts	impact	NOUN
ajis02-278	207	24	of	of	ADP
ajis02-278	207	25	individual	individual	ADJ
ajis02-278	207	26	it	it	PRON
ajis02-278	207	27	changes	change	VERB
ajis02-278	207	28	from	from	ADP
ajis02-278	207	29	the	the	DET
ajis02-278	207	30	general	general	ADJ
ajis02-278	207	31	melee	melee	NOUN
ajis02-278	207	32	of	of	ADP
ajis02-278	207	33	changes	change	NOUN
ajis02-278	207	34	on	on	ADP
ajis02-278	207	35	their	their	PRON
ajis02-278	207	36	activities	activity	NOUN
ajis02-278	207	37	that	that	PRON
ajis02-278	207	38	is	be	AUX
ajis02-278	207	39	to	to	PART
ajis02-278	207	40	be	be	AUX
ajis02-278	207	41	expected	expect	VERB
ajis02-278	207	42	in	in	ADP
ajis02-278	207	43	a	a	DET
ajis02-278	207	44	dynamic	dynamic	ADJ
ajis02-278	207	45	commercial	commercial	ADJ
ajis02-278	207	46	environment	environment	NOUN
ajis02-278	207	47	.	.	PUNCT
ajis02-278	208	1	a	a	DET
ajis02-278	208	2	more	more	ADV
ajis02-278	208	3	general	general	ADJ
ajis02-278	208	4	implication	implication	NOUN
ajis02-278	208	5	of	of	ADP
ajis02-278	208	6	this	this	DET
ajis02-278	208	7	exploratory	exploratory	ADJ
ajis02-278	208	8	study	study	NOUN
ajis02-278	208	9	is	be	AUX
ajis02-278	208	10	its	its	PRON
ajis02-278	208	11	highlighting	highlighting	NOUN
ajis02-278	208	12	of	of	ADP
ajis02-278	208	13	the	the	DET
ajis02-278	208	14	potential	potential	NOUN
ajis02-278	208	15	of	of	ADP
ajis02-278	208	16	an	an	DET
ajis02-278	208	17	extraorganisational	extraorganisational	ADJ
ajis02-278	208	18	approach	approach	NOUN
ajis02-278	208	19	when	when	SCONJ
ajis02-278	208	20	assessing	assess	VERB
ajis02-278	208	21	impacts	impact	NOUN
ajis02-278	208	22	.	.	PUNCT
ajis02-278	209	1	while	while	SCONJ
ajis02-278	209	2	this	this	PRON
ajis02-278	209	3	has	have	AUX
ajis02-278	209	4	been	be	AUX
ajis02-278	209	5	demonstrated	demonstrate	VERB
ajis02-278	209	6	at	at	ADP
ajis02-278	209	7	the	the	DET
ajis02-278	209	8	sub	sub	NOUN
ajis02-278	209	9	-	-	NOUN
ajis02-278	209	10	unit	unit	ADJ
ajis02-278	209	11	(	(	PUNCT
ajis02-278	209	12	branch	branch	NOUN
ajis02-278	209	13	)	)	PUNCT
ajis02-278	209	14	level	level	NOUN
ajis02-278	209	15	for	for	ADP
ajis02-278	209	16	banks	bank	NOUN
ajis02-278	209	17	in	in	ADP
ajis02-278	209	18	the	the	DET
ajis02-278	209	19	case	case	NOUN
ajis02-278	209	20	of	of	ADP
ajis02-278	209	21	eftpos	eftpos	NOUN
ajis02-278	209	22	,	,	PUNCT
ajis02-278	209	23	it	it	PRON
ajis02-278	209	24	may	may	AUX
ajis02-278	209	25	be	be	AUX
ajis02-278	209	26	as	as	ADP
ajis02-278	209	27	or	or	CCONJ
ajis02-278	209	28	more	more	ADV
ajis02-278	209	29	valuable	valuable	ADJ
ajis02-278	209	30	where	where	SCONJ
ajis02-278	209	31	internal	internal	ADJ
ajis02-278	209	32	perspectives	perspective	NOUN
ajis02-278	209	33	are	be	AUX
ajis02-278	209	34	based	base	VERB
ajis02-278	209	35	on	on	ADP
ajis02-278	209	36	more	more	ADV
ajis02-278	209	37	aggregated	aggregate	VERB
ajis02-278	209	38	measures	measure	NOUN
ajis02-278	209	39	or	or	CCONJ
ajis02-278	209	40	perceptions	perception	NOUN
ajis02-278	209	41	.	.	PUNCT
ajis02-278	210	1	this	this	PRON
ajis02-278	210	2	remains	remain	VERB
ajis02-278	210	3	very	very	ADV
ajis02-278	210	4	much	much	ADV
ajis02-278	210	5	an	an	DET
ajis02-278	210	6	exploratory	exploratory	ADJ
ajis02-278	210	7	study	study	NOUN
ajis02-278	210	8	with	with	ADP
ajis02-278	210	9	much	much	ADJ
ajis02-278	210	10	yet	yet	ADV
ajis02-278	210	11	to	to	PART
ajis02-278	210	12	be	be	AUX
ajis02-278	210	13	resolved	resolve	VERB
ajis02-278	210	14	.	.	PUNCT
ajis02-278	211	1	application	application	NOUN
ajis02-278	211	2	of	of	ADP
ajis02-278	211	3	an	an	DET
ajis02-278	211	4	extraorganisational	extraorganisational	ADJ
ajis02-278	211	5	approach	approach	NOUN
ajis02-278	211	6	in	in	ADP
ajis02-278	211	7	other	other	ADJ
ajis02-278	211	8	cases	case	NOUN
ajis02-278	211	9	,	,	PUNCT
ajis02-278	211	10	with	with	ADP
ajis02-278	211	11	greater	great	ADJ
ajis02-278	211	12	access	access	NOUN
ajis02-278	211	13	to	to	ADP
ajis02-278	211	14	internal	internal	ADJ
ajis02-278	211	15	data	datum	NOUN
ajis02-278	211	16	or	or	CCONJ
ajis02-278	211	17	with	with	ADP
ajis02-278	211	18	reference	reference	NOUN
ajis02-278	211	19	to	to	ADP
ajis02-278	211	20	multiple	multiple	ADJ
ajis02-278	211	21	external	external	ADJ
ajis02-278	211	22	perspectives	perspective	NOUN
ajis02-278	211	23	(	(	PUNCT
ajis02-278	211	24	such	such	ADJ
ajis02-278	211	25	as	as	ADP
ajis02-278	211	26	non	non	ADJ
ajis02-278	211	27	-	-	ADJ
ajis02-278	211	28	merchant	merchant	ADJ
ajis02-278	211	29	customers	customer	NOUN
ajis02-278	211	30	in	in	ADP
ajis02-278	211	31	the	the	DET
ajis02-278	211	32	case	case	NOUN
ajis02-278	211	33	of	of	ADP
ajis02-278	211	34	eftpos	eftpos	NOUN
ajis02-278	211	35	)	)	PUNCT
ajis02-278	211	36	should	should	AUX
ajis02-278	211	37	advance	advance	VERB
ajis02-278	211	38	understanding	understanding	NOUN
ajis02-278	211	39	and	and	CCONJ
ajis02-278	211	40	lead	lead	VERB
ajis02-278	211	41	to	to	ADP
ajis02-278	211	42	more	more	ADV
ajis02-278	211	43	comprehensive	comprehensive	ADJ
ajis02-278	211	44	treatments	treatment	NOUN
ajis02-278	211	45	of	of	ADP
ajis02-278	211	46	it	it	PRON
ajis02-278	211	47	impacts	impact	VERB
ajis02-278	211	48	on	on	ADP
ajis02-278	211	49	organisations	organisation	NOUN
ajis02-278	211	50	.	.	PUNCT
ajis02-278	212	1	references	reference	NOUN
ajis02-278	212	2	alpar	alpar	NOUN
ajis02-278	212	3	,	,	PUNCT
ajis02-278	212	4	p.	p.	NOUN
ajis02-278	212	5	and	and	CCONJ
ajis02-278	212	6	kim	kim	PROPN
ajis02-278	212	7	,	,	PUNCT
ajis02-278	212	8	m.	m.	NOUN
ajis02-278	212	9	(	(	PUNCT
ajis02-278	212	10	1990	1990	NUM
ajis02-278	212	11	)	)	PUNCT
ajis02-278	212	12	,	,	PUNCT
ajis02-278	212	13	"	"	PUNCT
ajis02-278	212	14	a	a	DET
ajis02-278	212	15	microeconomic	microeconomic	ADJ
ajis02-278	212	16	approach	approach	NOUN
ajis02-278	212	17	to	to	ADP
ajis02-278	212	18	the	the	DET
ajis02-278	212	19	measurement	measurement	NOUN
ajis02-278	212	20	of	of	ADP
ajis02-278	212	21	information	information	NOUN
ajis02-278	212	22	technology	technology	NOUN
ajis02-278	212	23	value	value	NOUN
ajis02-278	212	24	"	"	PUNCT
ajis02-278	212	25	,	,	PUNCT
ajis02-278	212	26	journal	journal	NOUN
ajis02-278	212	27	of	of	ADP
ajis02-278	212	28	management	management	NOUN
ajis02-278	212	29	information	information	NOUN
ajis02-278	212	30	systems	system	NOUN
ajis02-278	212	31	,	,	PUNCT
ajis02-278	212	32	vol	vol	NOUN
ajis02-278	212	33	7	7	NUM
ajis02-278	212	34	no	no	DET
ajis02-278	212	35	2	2	NUM
ajis02-278	212	36	,	,	PUNCT
ajis02-278	212	37	pp	pp	ADV
ajis02-278	212	38	55	55	NUM
ajis02-278	212	39	-	-	SYM
ajis02-278	212	40	67	67	NUM
ajis02-278	212	41	.	.	PUNCT
ajis02-278	213	1	australian	australian	ADJ
ajis02-278	213	2	payment	payment	NOUN
ajis02-278	213	3	system	system	NOUN
ajis02-278	213	4	council	council	NOUN
ajis02-278	213	5	(	(	PUNCT
ajis02-278	213	6	1993	1993	NUM
ajis02-278	213	7	)	)	PUNCT
ajis02-278	213	8	,	,	PUNCT
ajis02-278	213	9	annual	annual	ADJ
ajis02-278	213	10	report	report	NOUN
ajis02-278	213	11	,	,	PUNCT
ajis02-278	213	12	canberra	canberra	PROPN
ajis02-278	213	13	:	:	PUNCT
ajis02-278	213	14	reserve	reserve	PROPN
ajis02-278	213	15	bank	bank	PROPN
ajis02-278	213	16	of	of	ADP
ajis02-278	213	17	australia	australia	PROPN
ajis02-278	213	18	.	.	PUNCT
ajis02-278	214	1	australian	australian	ADJ
ajis02-278	214	2	payment	payment	NOUN
ajis02-278	214	3	system	system	NOUN
ajis02-278	214	4	council	council	NOUN
ajis02-278	214	5	(	(	PUNCT
ajis02-278	214	6	1996	1996	NUM
ajis02-278	214	7	)	)	PUNCT
ajis02-278	214	8	,	,	PUNCT
ajis02-278	214	9	annual	annual	ADJ
ajis02-278	214	10	report	report	NOUN
ajis02-278	214	11	,	,	PUNCT
ajis02-278	214	12	canberra	canberra	PROPN
ajis02-278	214	13	:	:	PUNCT
ajis02-278	214	14	reserve	reserve	PROPN
ajis02-278	214	15	bank	bank	PROPN
ajis02-278	214	16	of	of	ADP
ajis02-278	214	17	australia	australia	PROPN
ajis02-278	214	18	.	.	PUNCT
ajis02-278	215	1	76	76	NUM
ajis02-278	215	2	ajis	ajis	NOUN
ajis02-278	215	3	vol	vol	NOUN
ajis02-278	215	4	.	.	PROPN
ajis02-278	216	1	7	7	NUM
ajis02-278	216	2	,	,	PUNCT
ajis02-278	216	3	no	no	DET
ajis02-278	216	4	2	2	NUM
ajis02-278	216	5	may	may	PROPN
ajis02-278	216	6	2000	2000	NUM
ajis02-278	216	7	barras	barras	PROPN
ajis02-278	216	8	,	,	PUNCT
ajis02-278	216	9	r.	r.	PROPN
ajis02-278	216	10	(	(	PUNCT
ajis02-278	216	11	1990	1990	NUM
ajis02-278	216	12	)	)	PUNCT
ajis02-278	216	13	,	,	PUNCT
ajis02-278	216	14	"	"	PUNCT
ajis02-278	216	15	interactive	interactive	ADJ
ajis02-278	216	16	innovation	innovation	NOUN
ajis02-278	216	17	in	in	ADP
ajis02-278	216	18	financial	financial	ADJ
ajis02-278	216	19	and	and	CCONJ
ajis02-278	216	20	business	business	NOUN
ajis02-278	216	21	services	service	NOUN
ajis02-278	216	22	:	:	PUNCT
ajis02-278	216	23	the	the	DET
ajis02-278	216	24	vanguard	vanguard	NOUN
ajis02-278	216	25	of	of	ADP
ajis02-278	216	26	the	the	DET
ajis02-278	216	27	service	service	NOUN
ajis02-278	216	28	revolution	revolution	NOUN
ajis02-278	216	29	"	"	PUNCT
ajis02-278	216	30	,	,	PUNCT
ajis02-278	216	31	research	research	NOUN
ajis02-278	216	32	policy	policy	NOUN
ajis02-278	216	33	,	,	PUNCT
ajis02-278	216	34	vol	vol	NOUN
ajis02-278	216	35	19	19	NUM
ajis02-278	216	36	,	,	PUNCT
ajis02-278	216	37	pp	pp	ADV
ajis02-278	216	38	215	215	NUM
ajis02-278	216	39	-	-	SYM
ajis02-278	216	40	237	237	NUM
ajis02-278	216	41	.	.	PUNCT
ajis02-278	217	1	barua	barua	PROPN
ajis02-278	217	2	,	,	PUNCT
ajis02-278	217	3	a.	a.	NOUN
ajis02-278	217	4	,	,	PUNCT
ajis02-278	217	5	kriebel	kriebel	NOUN
ajis02-278	217	6	,	,	PUNCT
ajis02-278	217	7	c.h	c.h	PROPN
ajis02-278	217	8	.	.	PROPN
ajis02-278	217	9	and	and	CCONJ
ajis02-278	217	10	mukhopadhyay	mukhopadhyay	NOUN
ajis02-278	217	11	,	,	PUNCT
ajis02-278	217	12	t.	t.	PROPN
ajis02-278	217	13	(	(	PUNCT
ajis02-278	217	14	1995	1995	NUM
ajis02-278	217	15	)	)	PUNCT
ajis02-278	217	16	,	,	PUNCT
ajis02-278	217	17	"	"	PUNCT
ajis02-278	217	18	information	information	NOUN
ajis02-278	217	19	technologies	technology	NOUN
ajis02-278	217	20	and	and	CCONJ
ajis02-278	217	21	business	business	NOUN
ajis02-278	217	22	value	value	NOUN
ajis02-278	217	23	:	:	PUNCT
ajis02-278	217	24	an	an	DET
ajis02-278	217	25	analytic	analytic	ADJ
ajis02-278	217	26	and	and	CCONJ
ajis02-278	217	27	empirical	empirical	ADJ
ajis02-278	217	28	investigation	investigation	NOUN
ajis02-278	217	29	"	"	PUNCT
ajis02-278	217	30	,	,	PUNCT
ajis02-278	217	31	information	information	NOUN
ajis02-278	217	32	systems	system	NOUN
ajis02-278	217	33	research	research	NOUN
ajis02-278	217	34	,	,	PUNCT
ajis02-278	217	35	vol	vol	NOUN
ajis02-278	217	36	6	6	NUM
ajis02-278	217	37	no	no	DET
ajis02-278	217	38	1	1	NUM
ajis02-278	217	39	,	,	PUNCT
ajis02-278	217	40	pp	pp	ADV
ajis02-278	217	41	3	3	NUM
ajis02-278	217	42	-	-	SYM
ajis02-278	217	43	33	33	NUM
ajis02-278	217	44	.	.	PUNCT
ajis02-278	218	1	chorafas	chorafas	NOUN
ajis02-278	218	2	,	,	PUNCT
ajis02-278	218	3	d.	d.	PROPN
ajis02-278	218	4	(	(	PUNCT
ajis02-278	218	5	1987	1987	NUM
ajis02-278	218	6	)	)	PUNCT
ajis02-278	218	7	,	,	PUNCT
ajis02-278	218	8	strategic	strategic	ADJ
ajis02-278	218	9	planning	planning	NOUN
ajis02-278	218	10	for	for	ADP
ajis02-278	218	11	electronic	electronic	ADJ
ajis02-278	218	12	banking	banking	NOUN
ajis02-278	218	13	:	:	PUNCT
ajis02-278	218	14	from	from	ADP
ajis02-278	218	15	human	human	ADJ
ajis02-278	218	16	resources	resource	NOUN
ajis02-278	218	17	to	to	PART
ajis02-278	218	18	product	product	VERB
ajis02-278	218	19	development	development	NOUN
ajis02-278	218	20	and	and	CCONJ
ajis02-278	218	21	information	information	NOUN
ajis02-278	218	22	systems	system	NOUN
ajis02-278	218	23	,	,	PUNCT
ajis02-278	218	24	butterworths	butterworth	NOUN
ajis02-278	218	25	,	,	PUNCT
ajis02-278	218	26	london	london	PROPN
ajis02-278	218	27	.	.	PUNCT
ajis02-278	219	1	clarke	clarke	PROPN
ajis02-278	219	2	,	,	PUNCT
ajis02-278	219	3	r.	r.	PROPN
ajis02-278	219	4	and	and	CCONJ
ajis02-278	219	5	walters	walters	PROPN
ajis02-278	219	6	,	,	PUNCT
ajis02-278	219	7	m.	m.	NOUN
ajis02-278	219	8	(	(	PUNCT
ajis02-278	219	9	1989	1989	NUM
ajis02-278	219	10	)	)	PUNCT
ajis02-278	219	11	,	,	PUNCT
ajis02-278	219	12	"	"	PUNCT
ajis02-278	219	13	consumer	consumer	NOUN
ajis02-278	219	14	efts	eft	NOUN
ajis02-278	219	15	in	in	ADP
ajis02-278	219	16	australia	australia	PROPN
ajis02-278	219	17	:	:	PUNCT
ajis02-278	219	18	an	an	DET
ajis02-278	219	19	introduction	introduction	NOUN
ajis02-278	219	20	"	"	PUNCT
ajis02-278	219	21	,	,	PUNCT
ajis02-278	219	22	computer	computer	NOUN
ajis02-278	219	23	law	law	NOUN
ajis02-278	219	24	and	and	CCONJ
ajis02-278	219	25	security	security	NOUN
ajis02-278	219	26	reporter	reporter	NOUN
ajis02-278	219	27	,	,	PUNCT
ajis02-278	219	28	vol	vol	VERB
ajis02-278	219	29	4	4	NUM
ajis02-278	219	30	no	no	DET
ajis02-278	219	31	4	4	NUM
ajis02-278	219	32	.	.	X
ajis02-278	220	1	delone	delone	PROPN
ajis02-278	220	2	,	,	PUNCT
ajis02-278	220	3	w.	w.	PROPN
ajis02-278	220	4	and	and	CCONJ
ajis02-278	220	5	mclean	mclean	PROPN
ajis02-278	220	6	,	,	PUNCT
ajis02-278	220	7	e.	e.	PROPN
ajis02-278	220	8	(	(	PUNCT
ajis02-278	220	9	1992	1992	NUM
ajis02-278	220	10	)	)	PUNCT
ajis02-278	220	11	,	,	PUNCT
ajis02-278	220	12	"	"	PUNCT
ajis02-278	220	13	information	information	NOUN
ajis02-278	220	14	systems	system	NOUN
ajis02-278	220	15	success	success	NOUN
ajis02-278	220	16	:	:	PUNCT
ajis02-278	220	17	the	the	DET
ajis02-278	220	18	quest	quest	NOUN
ajis02-278	220	19	for	for	ADP
ajis02-278	220	20	the	the	DET
ajis02-278	220	21	dependent	dependent	ADJ
ajis02-278	220	22	variable	variable	NOUN
ajis02-278	220	23	"	"	PUNCT
ajis02-278	220	24	,	,	PUNCT
ajis02-278	220	25	information	information	NOUN
ajis02-278	220	26	systems	system	NOUN
ajis02-278	220	27	research	research	NOUN
ajis02-278	220	28	,	,	PUNCT
ajis02-278	220	29	vol	vol	NOUN
ajis02-278	220	30	3	3	NUM
ajis02-278	220	31	no	no	DET
ajis02-278	220	32	1	1	NUM
ajis02-278	220	33	,	,	PUNCT
ajis02-278	220	34	pp	pp	ADV
ajis02-278	220	35	60	60	NUM
ajis02-278	220	36	-	-	SYM
ajis02-278	220	37	95	95	NUM
ajis02-278	220	38	.	.	PUNCT
ajis02-278	221	1	earl	earl	PROPN
ajis02-278	221	2	,	,	PUNCT
ajis02-278	221	3	m.	m.	NOUN
ajis02-278	221	4	(	(	PUNCT
ajis02-278	221	5	1989	1989	NUM
ajis02-278	221	6	)	)	PUNCT
ajis02-278	221	7	,	,	PUNCT
ajis02-278	221	8	management	management	NOUN
ajis02-278	221	9	strategies	strategy	NOUN
ajis02-278	221	10	for	for	ADP
ajis02-278	221	11	information	information	NOUN
ajis02-278	221	12	technology	technology	NOUN
ajis02-278	221	13	,	,	PUNCT
ajis02-278	221	14	new	new	PROPN
ajis02-278	221	15	york	york	PROPN
ajis02-278	221	16	:	:	PUNCT
ajis02-278	221	17	prentice	prentice	PROPN
ajis02-278	221	18	hall	hall	PROPN
ajis02-278	221	19	.	.	PUNCT
ajis02-278	222	1	frazer	frazer	PROPN
ajis02-278	222	2	,	,	PUNCT
ajis02-278	222	3	p.	p.	NOUN
ajis02-278	222	4	(	(	PUNCT
ajis02-278	222	5	1985	1985	NUM
ajis02-278	222	6	)	)	PUNCT
ajis02-278	222	7	,	,	PUNCT
ajis02-278	222	8	plastic	plastic	NOUN
ajis02-278	222	9	and	and	CCONJ
ajis02-278	222	10	electronic	electronic	ADJ
ajis02-278	222	11	money	money	NOUN
ajis02-278	222	12	:	:	PUNCT
ajis02-278	222	13	new	new	ADJ
ajis02-278	222	14	payment	payment	NOUN
ajis02-278	222	15	systems	system	NOUN
ajis02-278	222	16	and	and	CCONJ
ajis02-278	222	17	their	their	PRON
ajis02-278	222	18	implications	implication	NOUN
ajis02-278	222	19	,	,	PUNCT
ajis02-278	222	20	cambridge	cambridge	NOUN
ajis02-278	222	21	:	:	PUNCT
ajis02-278	222	22	woodhead	woodhead	NOUN
ajis02-278	222	23	-	-	PUNCT
ajis02-278	222	24	faulkner	faulkner	NOUN
ajis02-278	222	25	.	.	PUNCT
ajis02-278	223	1	galliers	gallier	NOUN
ajis02-278	223	2	,	,	PUNCT
ajis02-278	223	3	r.	r.	PROPN
ajis02-278	223	4	(	(	PUNCT
ajis02-278	223	5	1993	1993	NUM
ajis02-278	223	6	)	)	PUNCT
ajis02-278	223	7	,	,	PUNCT
ajis02-278	223	8	"	"	PUNCT
ajis02-278	223	9	it	it	PRON
ajis02-278	223	10	strategies	strategie	VERB
ajis02-278	223	11	:	:	PUNCT
ajis02-278	223	12	beyond	beyond	ADP
ajis02-278	223	13	competitive	competitive	ADJ
ajis02-278	223	14	advantage	advantage	NOUN
ajis02-278	223	15	"	"	PUNCT
ajis02-278	223	16	,	,	PUNCT
ajis02-278	223	17	journal	journal	NOUN
ajis02-278	223	18	of	of	ADP
ajis02-278	223	19	strategic	strategic	ADJ
ajis02-278	223	20	information	information	NOUN
ajis02-278	223	21	systems	system	NOUN
ajis02-278	223	22	,	,	PUNCT
ajis02-278	223	23	vol2no4,pp.283	vol2no4,pp.283	PROPN
ajis02-278	223	24	-	-	PUNCT
ajis02-278	223	25	291	291	NUM
ajis02-278	223	26	.	.	PUNCT
ajis02-278	224	1	gart	gart	PROPN
ajis02-278	224	2	,	,	PUNCT
ajis02-278	224	3	a.	a.	NOUN
ajis02-278	224	4	(	(	PUNCT
ajis02-278	224	5	1992	1992	NUM
ajis02-278	224	6	)	)	PUNCT
ajis02-278	224	7	,	,	PUNCT
ajis02-278	224	8	"	"	PUNCT
ajis02-278	224	9	how	how	SCONJ
ajis02-278	224	10	technology	technology	NOUN
ajis02-278	224	11	is	be	AUX
ajis02-278	224	12	changing	change	VERB
ajis02-278	224	13	banking	banking	NOUN
ajis02-278	224	14	"	"	PUNCT
ajis02-278	224	15	,	,	PUNCT
ajis02-278	224	16	journal	journal	NOUN
ajis02-278	224	17	of	of	ADP
ajis02-278	224	18	retail	retail	ADJ
ajis02-278	224	19	banking	banking	NOUN
ajis02-278	224	20	,	,	PUNCT
ajis02-278	224	21	vol	vol	NOUN
ajis02-278	224	22	xiv	xiv	PROPN
ajis02-278	224	23	.	.	PUNCT
ajis02-278	225	1	no.l	no.l	NOUN
ajis02-278	225	2	,	,	PUNCT
ajis02-278	225	3	pp	pp	ADV
ajis02-278	225	4	35	35	NUM
ajis02-278	225	5	-	-	SYM
ajis02-278	225	6	43	43	NUM
ajis02-278	225	7	.	.	PUNCT
ajis02-278	226	1	gatian	gatian	PROPN
ajis02-278	226	2	,	,	PUNCT
ajis02-278	226	3	a.	a.	NOUN
ajis02-278	226	4	(	(	PUNCT
ajis02-278	226	5	1994	1994	NUM
ajis02-278	226	6	)	)	PUNCT
ajis02-278	226	7	,	,	PUNCT
ajis02-278	226	8	"	"	PUNCT
ajis02-278	226	9	is	be	AUX
ajis02-278	226	10	user	user	NOUN
ajis02-278	226	11	satisfaction	satisfaction	NOUN
ajis02-278	226	12	a	a	DET
ajis02-278	226	13	valid	valid	ADJ
ajis02-278	226	14	measure	measure	NOUN
ajis02-278	226	15	of	of	ADP
ajis02-278	226	16	system	system	NOUN
ajis02-278	226	17	effectiveness	effectiveness	NOUN
ajis02-278	226	18	?	?	PUNCT
ajis02-278	226	19	"	"	PUNCT
ajis02-278	226	20	,	,	PUNCT
ajis02-278	226	21	information	information	NOUN
ajis02-278	226	22	and	and	CCONJ
ajis02-278	226	23	management	management	NOUN
ajis02-278	226	24	,	,	PUNCT
ajis02-278	226	25	vol	vol	NOUN
ajis02-278	226	26	26	26	NUM
ajis02-278	226	27	,	,	PUNCT
ajis02-278	226	28	pp	pp	ADV
ajis02-278	226	29	119	119	NUM
ajis02-278	226	30	-	-	SYM
ajis02-278	226	31	131	131	NUM
ajis02-278	226	32	.	.	PUNCT
ajis02-278	227	1	gupta	gupta	PROPN
ajis02-278	227	2	,	,	PUNCT
ajis02-278	227	3	a.	a.	NOUN
ajis02-278	227	4	(	(	PUNCT
ajis02-278	227	5	1995	1995	NUM
ajis02-278	227	6	)	)	PUNCT
ajis02-278	227	7	,	,	PUNCT
ajis02-278	227	8	"	"	PUNCT
ajis02-278	227	9	a	a	DET
ajis02-278	227	10	stakeholder	stakeholder	NOUN
ajis02-278	227	11	analysis	analysis	NOUN
ajis02-278	227	12	approach	approach	NOUN
ajis02-278	227	13	for	for	ADP
ajis02-278	227	14	interorganisational	interorganisational	ADJ
ajis02-278	227	15	systems	system	NOUN
ajis02-278	227	16	"	"	PUNCT
ajis02-278	227	17	,	,	PUNCT
ajis02-278	227	18	industrial	industrial	ADJ
ajis02-278	227	19	management	management	NOUN
ajis02-278	227	20	and	and	CCONJ
ajis02-278	227	21	data	datum	NOUN
ajis02-278	227	22	systems	system	NOUN
ajis02-278	227	23	,	,	PUNCT
ajis02-278	227	24	no	no	DET
ajis02-278	227	25	6	6	NUM
ajis02-278	227	26	,	,	PUNCT
ajis02-278	227	27	pp	pp	ADV
ajis02-278	227	28	3	3	NUM
ajis02-278	227	29	-	-	SYM
ajis02-278	227	30	7	7	NUM
ajis02-278	227	31	.	.	PUNCT
ajis02-278	227	32	haga	haga	NOUN
ajis02-278	227	33	,	,	PUNCT
ajis02-278	227	34	w.	w.	PROPN
ajis02-278	227	35	and	and	CCONJ
ajis02-278	227	36	zviran	zviran	PROPN
ajis02-278	227	37	,	,	PUNCT
ajis02-278	227	38	m.	m.	NOUN
ajis02-278	227	39	(	(	PUNCT
ajis02-278	227	40	1994),"information	1994),"information	NOUN
ajis02-278	227	41	systems	system	NOUN
ajis02-278	227	42	effectiveness	effectiveness	NOUN
ajis02-278	227	43	:	:	PUNCT
ajis02-278	227	44	research	research	NOUN
ajis02-278	227	45	designs	design	NOUN
ajis02-278	227	46	for	for	ADP
ajis02-278	227	47	causal	causal	ADJ
ajis02-278	227	48	inference	inference	NOUN
ajis02-278	227	49	"	"	PUNCT
ajis02-278	227	50	,	,	PUNCT
ajis02-278	227	51	information	information	NOUN
ajis02-278	227	52	systems	system	NOUN
ajis02-278	227	53	journal	journal	NOUN
ajis02-278	227	54	,	,	PUNCT
ajis02-278	227	55	vol	vol	NOUN
ajis02-278	227	56	4	4	NUM
ajis02-278	227	57	,	,	PUNCT
ajis02-278	227	58	pp	pp	ADV
ajis02-278	227	59	141	141	NUM
ajis02-278	227	60	-	-	SYM
ajis02-278	227	61	166	166	NUM
ajis02-278	227	62	.	.	PUNCT
ajis02-278	228	1	harris	harris	PROPN
ajis02-278	228	2	,	,	PUNCT
ajis02-278	228	3	s.	s.	PROPN
ajis02-278	228	4	and	and	CCONJ
ajis02-278	228	5	katz	katz	PROPN
ajis02-278	228	6	,	,	PUNCT
ajis02-278	228	7	j.	j.	PROPN
ajis02-278	228	8	(	(	PUNCT
ajis02-278	228	9	1991	1991	NUM
ajis02-278	228	10	)	)	PUNCT
ajis02-278	228	11	,	,	PUNCT
ajis02-278	228	12	"	"	PUNCT
ajis02-278	228	13	organisational	organisational	ADJ
ajis02-278	228	14	performance	performance	NOUN
ajis02-278	228	15	and	and	CCONJ
ajis02-278	228	16	information	information	NOUN
ajis02-278	228	17	technology	technology	NOUN
ajis02-278	228	18	intensity	intensity	NOUN
ajis02-278	228	19	in	in	ADP
ajis02-278	228	20	the	the	DET
ajis02-278	228	21	insurance	insurance	NOUN
ajis02-278	228	22	industry	industry	NOUN
ajis02-278	228	23	"	"	PUNCT
ajis02-278	228	24	,	,	PUNCT
ajis02-278	228	25	organisation	organisation	NOUN
ajis02-278	228	26	science	science	NOUN
ajis02-278	228	27	,	,	PUNCT
ajis02-278	228	28	vol	vol	NOUN
ajis02-278	228	29	2	2	NUM
ajis02-278	228	30	no	no	DET
ajis02-278	228	31	3	3	NUM
ajis02-278	228	32	.	.	PUNCT
ajis02-278	229	1	pp	pp	ADP
ajis02-278	229	2	263	263	NUM
ajis02-278	229	3	-	-	SYM
ajis02-278	229	4	295	295	NUM
ajis02-278	229	5	.	.	PUNCT
ajis02-278	230	1	johnston	johnston	PROPN
ajis02-278	230	2	,	,	PUNCT
ajis02-278	230	3	h.	h.	PROPN
ajis02-278	230	4	and	and	CCONJ
ajis02-278	230	5	vitale	vitale	PROPN
ajis02-278	230	6	,	,	PUNCT
ajis02-278	230	7	m.	m.	NOUN
ajis02-278	230	8	(	(	PUNCT
ajis02-278	230	9	1988	1988	NUM
ajis02-278	230	10	)	)	PUNCT
ajis02-278	230	11	,	,	PUNCT
ajis02-278	230	12	"	"	PUNCT
ajis02-278	230	13	creating	create	VERB
ajis02-278	230	14	competitive	competitive	ADJ
ajis02-278	230	15	advantage	advantage	NOUN
ajis02-278	230	16	with	with	ADP
ajis02-278	230	17	interorganisational	interorganisational	ADJ
ajis02-278	230	18	information	information	NOUN
ajis02-278	230	19	systems	system	NOUN
ajis02-278	230	20	"	"	PUNCT
ajis02-278	230	21	,	,	PUNCT
ajis02-278	230	22	mis	mis	PROPN
ajis02-278	230	23	quarterly	quarterly	NOUN
ajis02-278	230	24	,	,	PUNCT
ajis02-278	230	25	vol	vol	NOUN
ajis02-278	230	26	12	12	NUM
ajis02-278	230	27	no	no	DET
ajis02-278	230	28	2	2	NUM
ajis02-278	230	29	,	,	PUNCT
ajis02-278	230	30	pp	pp	ADV
ajis02-278	230	31	153	153	NUM
ajis02-278	230	32	-	-	SYM
ajis02-278	230	33	165	165	NUM
ajis02-278	230	34	.	.	PUNCT
ajis02-278	231	1	kaplan	kaplan	PROPN
ajis02-278	231	2	,	,	PUNCT
ajis02-278	231	3	r.	r.	PROPN
ajis02-278	231	4	and	and	CCONJ
ajis02-278	231	5	norton	norton	PROPN
ajis02-278	231	6	,	,	PUNCT
ajis02-278	231	7	d.	d.	PROPN
ajis02-278	231	8	(	(	PUNCT
ajis02-278	231	9	1992	1992	NUM
ajis02-278	231	10	)	)	PUNCT
ajis02-278	231	11	,	,	PUNCT
ajis02-278	231	12	"	"	PUNCT
ajis02-278	231	13	the	the	DET
ajis02-278	231	14	balanced	balanced	ADJ
ajis02-278	231	15	scorecard	scorecard	NOUN
ajis02-278	231	16	measures	measure	NOUN
ajis02-278	231	17	that	that	PRON
ajis02-278	231	18	drive	drive	VERB
ajis02-278	231	19	performance	performance	NOUN
ajis02-278	231	20	"	"	PUNCT
ajis02-278	231	21	,	,	PUNCT
ajis02-278	231	22	harvard	harvard	PROPN
ajis02-278	231	23	business	business	PROPN
ajis02-278	231	24	review	review	PROPN
ajis02-278	231	25	,	,	PUNCT
ajis02-278	231	26	january	january	PROPN
ajis02-278	231	27	february	february	PROPN
ajis02-278	231	28	,	,	PUNCT
ajis02-278	231	29	pp	pp	ADV
ajis02-278	231	30	75	75	NUM
ajis02-278	231	31	-	-	SYM
ajis02-278	231	32	85	85	NUM
ajis02-278	231	33	.	.	PUNCT
ajis02-278	232	1	kumar	kumar	PROPN
ajis02-278	232	2	,	,	PUNCT
ajis02-278	232	3	k.	k.	PROPN
ajis02-278	232	4	and	and	CCONJ
ajis02-278	232	5	van	van	PROPN
ajis02-278	232	6	dissel	dissel	PROPN
ajis02-278	232	7	,	,	PUNCT
ajis02-278	232	8	h.	h.	PROPN
ajis02-278	232	9	(	(	PUNCT
ajis02-278	232	10	1996	1996	NUM
ajis02-278	232	11	)	)	PUNCT
ajis02-278	232	12	,	,	PUNCT
ajis02-278	232	13	"	"	PUNCT
ajis02-278	232	14	sustainable	sustainable	ADJ
ajis02-278	232	15	collaboration	collaboration	NOUN
ajis02-278	232	16	:	:	PUNCT
ajis02-278	232	17	managing	manage	VERB
ajis02-278	232	18	conflict	conflict	NOUN
ajis02-278	232	19	and	and	CCONJ
ajis02-278	232	20	cooperation	cooperation	NOUN
ajis02-278	232	21	in	in	ADP
ajis02-278	232	22	interorganisational	interorganisational	ADJ
ajis02-278	232	23	systems	system	NOUN
ajis02-278	232	24	"	"	PUNCT
ajis02-278	232	25	,	,	PUNCT
ajis02-278	232	26	mis	mis	PROPN
ajis02-278	232	27	quarterly	quarterly	NOUN
ajis02-278	232	28	,	,	PUNCT
ajis02-278	232	29	vol	vol	NOUN
ajis02-278	232	30	20	20	NUM
ajis02-278	232	31	no	no	DET
ajis02-278	232	32	3	3	NUM
ajis02-278	232	33	,	,	PUNCT
ajis02-278	232	34	pp	pp	ADV
ajis02-278	232	35	279	279	NUM
ajis02-278	232	36	-	-	SYM
ajis02-278	232	37	300	300	NUM
ajis02-278	232	38	.	.	PUNCT
ajis02-278	233	1	lederer	lederer	PROPN
ajis02-278	233	2	,	,	PUNCT
ajis02-278	233	3	a.	a.	NOUN
ajis02-278	233	4	and	and	CCONJ
ajis02-278	233	5	mendelow	mendelow	NOUN
ajis02-278	233	6	,	,	PUNCT
ajis02-278	233	7	a.	a.	NOUN
ajis02-278	233	8	(	(	PUNCT
ajis02-278	233	9	1990	1990	NUM
ajis02-278	233	10	)	)	PUNCT
ajis02-278	233	11	,	,	PUNCT
ajis02-278	233	12	"	"	PUNCT
ajis02-278	233	13	the	the	DET
ajis02-278	233	14	impact	impact	NOUN
ajis02-278	233	15	of	of	ADP
ajis02-278	233	16	the	the	DET
ajis02-278	233	17	environment	environment	NOUN
ajis02-278	233	18	on	on	ADP
ajis02-278	233	19	the	the	DET
ajis02-278	233	20	management	management	NOUN
ajis02-278	233	21	of	of	ADP
ajis02-278	233	22	information	information	NOUN
ajis02-278	233	23	systems	system	NOUN
ajis02-278	233	24	"	"	PUNCT
ajis02-278	233	25	,	,	PUNCT
ajis02-278	233	26	information	information	NOUN
ajis02-278	233	27	systems	system	NOUN
ajis02-278	233	28	research	research	NOUN
ajis02-278	233	29	,	,	PUNCT
ajis02-278	233	30	vol	vol	NOUN
ajis02-278	233	31	1	1	NUM
ajis02-278	233	32	no	no	DET
ajis02-278	233	33	2	2	NUM
ajis02-278	233	34	,	,	PUNCT
ajis02-278	233	35	pp	pp	ADV
ajis02-278	233	36	205	205	NUM
ajis02-278	233	37	-	-	SYM
ajis02-278	233	38	222	222	NUM
ajis02-278	233	39	.	.	PUNCT
ajis02-278	233	40	lincoln	lincoln	PROPN
ajis02-278	233	41	,	,	PUNCT
ajis02-278	233	42	t	t	PROPN
ajis02-278	233	43	(	(	PUNCT
ajis02-278	233	44	1990	1990	NUM
ajis02-278	233	45	)	)	PUNCT
ajis02-278	233	46	,	,	PUNCT
ajis02-278	233	47	managing	manage	VERB
ajis02-278	233	48	information	information	NOUN
ajis02-278	233	49	systems	system	NOUN
ajis02-278	233	50	for	for	ADP
ajis02-278	233	51	profit	profit	NOUN
ajis02-278	233	52	,	,	PUNCT
ajis02-278	233	53	chichester	chichester	PROPN
ajis02-278	233	54	:	:	PUNCT
ajis02-278	233	55	john	john	PROPN
ajis02-278	233	56	wiley	wiley	PROPN
ajis02-278	233	57	&	&	CCONJ
ajis02-278	233	58	sons	son	NOUN
ajis02-278	233	59	.	.	PUNCT
ajis02-278	234	1	lyytinen	lyytinen	NOUN
ajis02-278	234	2	,	,	PUNCT
ajis02-278	234	3	k.	k.	PROPN
ajis02-278	234	4	,	,	PUNCT
ajis02-278	234	5	klein	klein	PROPN
ajis02-278	234	6	,	,	PUNCT
ajis02-278	234	7	h.	h.	PROPN
ajis02-278	234	8	and	and	CCONJ
ajis02-278	234	9	hirschheim	hirschheim	PROPN
ajis02-278	234	10	,	,	PUNCT
ajis02-278	234	11	r.	r.	PROPN
ajis02-278	234	12	(	(	PUNCT
ajis02-278	234	13	1991	1991	NUM
ajis02-278	234	14	)	)	PUNCT
ajis02-278	234	15	,	,	PUNCT
ajis02-278	234	16	"	"	PUNCT
ajis02-278	234	17	the	the	DET
ajis02-278	234	18	effectiveness	effectiveness	NOUN
ajis02-278	234	19	of	of	ADP
ajis02-278	234	20	office	office	NOUN
ajis02-278	234	21	information	information	NOUN
ajis02-278	234	22	systems	system	NOUN
ajis02-278	234	23	:	:	PUNCT
ajis02-278	234	24	a	a	DET
ajis02-278	234	25	social	social	ADJ
ajis02-278	234	26	action	action	NOUN
ajis02-278	234	27	perspective	perspective	NOUN
ajis02-278	234	28	"	"	PUNCT
ajis02-278	234	29	,	,	PUNCT
ajis02-278	234	30	journal	journal	NOUN
ajis02-278	234	31	of	of	ADP
ajis02-278	234	32	information	information	NOUN
ajis02-278	234	33	systems	system	NOUN
ajis02-278	234	34	,	,	PUNCT
ajis02-278	234	35	vol	vol	NOUN
ajis02-278	234	36	1	1	NUM
ajis02-278	234	37	,	,	PUNCT
ajis02-278	234	38	pp	pp	ADV
ajis02-278	234	39	41	41	NUM
ajis02-278	234	40	-	-	SYM
ajis02-278	234	41	60	60	NUM
ajis02-278	234	42	.	.	PUNCT
ajis02-278	235	1	primozic	primozic	PROPN
ajis02-278	235	2	,	,	PUNCT
ajis02-278	235	3	k.	k.	PROPN
ajis02-278	235	4	,	,	PUNCT
ajis02-278	235	5	primozic	primozic	PROPN
ajis02-278	235	6	,	,	PUNCT
ajis02-278	235	7	e.	e.	PROPN
ajis02-278	235	8	and	and	CCONJ
ajis02-278	235	9	leben	leben	PROPN
ajis02-278	235	10	,	,	PUNCT
ajis02-278	235	11	j.	j.	PROPN
ajis02-278	235	12	(	(	PUNCT
ajis02-278	235	13	1991	1991	NUM
ajis02-278	235	14	)	)	PUNCT
ajis02-278	235	15	,	,	PUNCT
ajis02-278	235	16	strategic	strategic	ADJ
ajis02-278	235	17	choices	choice	NOUN
ajis02-278	235	18	:	:	PUNCT
ajis02-278	235	19	supremacy	supremacy	NOUN
ajis02-278	235	20	,	,	PUNCT
ajis02-278	235	21	survival	survival	NOUN
ajis02-278	235	22	,	,	PUNCT
ajis02-278	235	23	or	or	CCONJ
ajis02-278	235	24	sayonara	sayonara	NOUN
ajis02-278	235	25	,	,	PUNCT
ajis02-278	235	26	mcgrawhill	mcgrawhill	NOUN
ajis02-278	235	27	,	,	PUNCT
ajis02-278	235	28	new	new	PROPN
ajis02-278	235	29	york	york	PROPN
ajis02-278	235	30	,	,	PUNCT
ajis02-278	235	31	as	as	SCONJ
ajis02-278	235	32	quoted	quote	VERB
ajis02-278	235	33	in	in	ADP
ajis02-278	235	34	sprague	sprague	PROPN
ajis02-278	235	35	,	,	PUNCT
ajis02-278	235	36	jr	jr	PROPN
ajis02-278	235	37	.	.	PROPN
ajis02-278	235	38	,	,	PUNCT
ajis02-278	235	39	r.	r.	PROPN
ajis02-278	235	40	and	and	CCONJ
ajis02-278	235	41	mcnurlin	mcnurlin	PROPN
ajis02-278	235	42	,	,	PUNCT
ajis02-278	235	43	b.	b.	PROPN
ajis02-278	235	44	(	(	PUNCT
ajis02-278	235	45	1993	1993	NUM
ajis02-278	235	46	)	)	PUNCT
ajis02-278	235	47	,	,	PUNCT
ajis02-278	235	48	information	information	NOUN
ajis02-278	235	49	systems	system	NOUN
ajis02-278	235	50	management	management	NOUN
ajis02-278	235	51	in	in	ADP
ajis02-278	235	52	practice	practice	NOUN
ajis02-278	235	53	,	,	PUNCT
ajis02-278	235	54	third	third	ADJ
ajis02-278	235	55	edition	edition	NOUN
ajis02-278	235	56	,	,	PUNCT
ajis02-278	235	57	englewood	englewood	PROPN
ajis02-278	235	58	cliffs	cliffs	PROPN
ajis02-278	235	59	,	,	PUNCT
ajis02-278	235	60	nj	nj	PROPN
ajis02-278	235	61	:	:	PUNCT
ajis02-278	235	62	prentice	prentice	NOUN
ajis02-278	235	63	-	-	PUNCT
ajis02-278	235	64	hall	hall	NOUN
ajis02-278	235	65	.	.	PUNCT
ajis02-278	236	1	mahmood	mahmood	PROPN
ajis02-278	236	2	,	,	PUNCT
ajis02-278	236	3	m.	m.	NOUN
ajis02-278	236	4	(	(	PUNCT
ajis02-278	236	5	1994	1994	NUM
ajis02-278	236	6	)	)	PUNCT
ajis02-278	236	7	,	,	PUNCT
ajis02-278	236	8	"	"	PUNCT
ajis02-278	236	9	evaluating	evaluate	VERB
ajis02-278	236	10	organisational	organisational	ADJ
ajis02-278	236	11	efficiency	efficiency	NOUN
ajis02-278	236	12	resulting	result	VERB
ajis02-278	236	13	from	from	ADP
ajis02-278	236	14	information	information	NOUN
ajis02-278	236	15	technology	technology	NOUN
ajis02-278	236	16	investment	investment	NOUN
ajis02-278	236	17	:	:	PUNCT
ajis02-278	236	18	an	an	DET
ajis02-278	236	19	application	application	NOUN
ajis02-278	236	20	of	of	ADP
ajis02-278	236	21	data	datum	NOUN
ajis02-278	236	22	envelopment	envelopment	ADJ
ajis02-278	236	23	analysis	analysis	NOUN
ajis02-278	236	24	"	"	PUNCT
ajis02-278	236	25	,	,	PUNCT
ajis02-278	236	26	journal	journal	NOUN
ajis02-278	236	27	of	of	ADP
ajis02-278	236	28	information	information	NOUN
ajis02-278	236	29	systems	system	NOUN
ajis02-278	236	30	,	,	PUNCT
ajis02-278	236	31	vol	vol	NOUN
ajis02-278	236	32	4	4	NUM
ajis02-278	236	33	,	,	PUNCT
ajis02-278	236	34	pp.93	pp.93	NOUN
ajis02-278	236	35	-	-	PUNCT
ajis02-278	236	36	115	115	NUM
ajis02-278	236	37	.	.	PUNCT
ajis02-278	237	1	mahmood	mahmood	PROPN
ajis02-278	237	2	,	,	PUNCT
ajis02-278	237	3	m.	m.	NOUN
ajis02-278	237	4	and	and	CCONJ
ajis02-278	237	5	mann	mann	PROPN
ajis02-278	237	6	,	,	PUNCT
ajis02-278	237	7	g.	g.	PROPN
ajis02-278	237	8	(	(	PUNCT
ajis02-278	237	9	1993	1993	NUM
ajis02-278	237	10	)	)	PUNCT
ajis02-278	237	11	,	,	PUNCT
ajis02-278	237	12	"	"	PUNCT
ajis02-278	237	13	measuring	measure	VERB
ajis02-278	237	14	the	the	DET
ajis02-278	237	15	organisational	organisational	ADJ
ajis02-278	237	16	impact	impact	NOUN
ajis02-278	237	17	of	of	ADP
ajis02-278	237	18	information	information	NOUN
ajis02-278	237	19	technology	technology	NOUN
ajis02-278	237	20	investment	investment	NOUN
ajis02-278	237	21	"	"	PUNCT
ajis02-278	237	22	,	,	PUNCT
ajis02-278	237	23	journal	journal	NOUN
ajis02-278	237	24	of	of	ADP
ajis02-278	237	25	management	management	NOUN
ajis02-278	237	26	information	information	NOUN
ajis02-278	237	27	systems	system	NOUN
ajis02-278	237	28	,	,	PUNCT
ajis02-278	237	29	vol	vol	NOUN
ajis02-278	237	30	10	10	NUM
ajis02-278	237	31	no	no	DET
ajis02-278	237	32	1	1	NUM
ajis02-278	237	33	,	,	PUNCT
ajis02-278	237	34	pp	pp	ADV
ajis02-278	237	35	97	97	NUM
ajis02-278	237	36	-	-	SYM
ajis02-278	237	37	122	122	NUM
ajis02-278	237	38	.	.	PUNCT
ajis02-278	238	1	singleton	singleton	PROPN
ajis02-278	238	2	,	,	PUNCT
ajis02-278	238	3	j.	j.	PROPN
ajis02-278	238	4	,	,	PUNCT
ajis02-278	238	5	mclean	mclean	PROPN
ajis02-278	238	6	,	,	PUNCT
ajis02-278	238	7	e.	e.	PROPN
ajis02-278	238	8	and	and	CCONJ
ajis02-278	238	9	altman	altman	PROPN
ajis02-278	238	10	,	,	PUNCT
ajis02-278	238	11	e.	e.	PROPN
ajis02-278	238	12	(	(	PUNCT
ajis02-278	238	13	1994	1994	NUM
ajis02-278	238	14	)	)	PUNCT
ajis02-278	238	15	,	,	PUNCT
ajis02-278	238	16	"	"	PUNCT
ajis02-278	238	17	measuring	measure	VERB
ajis02-278	238	18	information	information	NOUN
ajis02-278	238	19	systems	system	NOUN
ajis02-278	238	20	performance	performance	NOUN
ajis02-278	238	21	:	:	PUNCT
ajis02-278	238	22	experience	experience	NOUN
ajis02-278	238	23	with	with	ADP
ajis02-278	238	24	the	the	DET
ajis02-278	238	25	management	management	NOUN
ajis02-278	238	26	by	by	ADP
ajis02-278	238	27	results	result	NOUN
ajis02-278	238	28	system	system	NOUN
ajis02-278	238	29	at	at	ADP
ajis02-278	238	30	security	security	PROPN
ajis02-278	238	31	pacific	pacific	PROPN
ajis02-278	238	32	bank	bank	PROPN
ajis02-278	238	33	,	,	PUNCT
ajis02-278	238	34	"	"	PUNCT
ajis02-278	238	35	in	in	ADP
ajis02-278	238	36	gray	gray	ADJ
ajis02-278	238	37	,	,	PUNCT
ajis02-278	238	38	p.	p.	NOUN
ajis02-278	238	39	,	,	PUNCT
ajis02-278	238	40	king	king	PROPN
ajis02-278	238	41	,	,	PUNCT
ajis02-278	238	42	w.	w.	PROPN
ajis02-278	238	43	,	,	PUNCT
ajis02-278	238	44	mclean	mclean	PROPN
ajis02-278	238	45	,	,	PUNCT
ajis02-278	238	46	e.	e.	PROPN
ajis02-278	238	47	and	and	CCONJ
ajis02-278	238	48	watson	watson	PROPN
ajis02-278	238	49	,	,	PUNCT
ajis02-278	238	50	h.	h.	PROPN
ajis02-278	238	51	management	management	PROPN
ajis02-278	238	52	of	of	ADP
ajis02-278	238	53	information	information	NOUN
ajis02-278	238	54	systems	system	NOUN
ajis02-278	238	55	,	,	PUNCT
ajis02-278	238	56	second	second	ADJ
ajis02-278	238	57	edition	edition	NOUN
ajis02-278	238	58	,	,	PUNCT
ajis02-278	238	59	new	new	PROPN
ajis02-278	238	60	york	york	PROPN
ajis02-278	238	61	:	:	PUNCT
ajis02-278	238	62	the	the	DET
ajis02-278	238	63	dryden	dryden	PROPN
ajis02-278	238	64	press	press	PROPN
ajis02-278	238	65	.	.	PUNCT
ajis02-278	239	1	srinivasan	srinivasan	NOUN
ajis02-278	239	2	,	,	PUNCT
ajis02-278	239	3	a.	a.	NOUN
ajis02-278	239	4	(	(	PUNCT
ajis02-278	239	5	1985	1985	NUM
ajis02-278	239	6	)	)	PUNCT
ajis02-278	239	7	,	,	PUNCT
ajis02-278	239	8	"	"	PUNCT
ajis02-278	239	9	alternative	alternative	ADJ
ajis02-278	239	10	measures	measure	NOUN
ajis02-278	239	11	of	of	ADP
ajis02-278	239	12	system	system	NOUN
ajis02-278	239	13	effectiveness	effectiveness	NOUN
ajis02-278	239	14	:	:	PUNCT
ajis02-278	239	15	associations	association	NOUN
ajis02-278	239	16	and	and	CCONJ
ajis02-278	239	17	implications	implication	NOUN
ajis02-278	239	18	"	"	PUNCT
ajis02-278	239	19	,	,	PUNCT
ajis02-278	239	20	mis	mis	PROPN
ajis02-278	239	21	quarterly	quarterly	NOUN
ajis02-278	239	22	,	,	PUNCT
ajis02-278	239	23	vol	vol	NOUN
ajis02-278	239	24	9	9	NUM
ajis02-278	239	25	no	no	DET
ajis02-278	239	26	3	3	NUM
ajis02-278	239	27	,	,	PUNCT
ajis02-278	239	28	pp	pp	ADV
ajis02-278	239	29	243	243	NUM
ajis02-278	239	30	-	-	SYM
ajis02-278	239	31	253	253	NUM
ajis02-278	239	32	.	.	PUNCT
ajis02-278	240	1	77	77	NUM