id	sid	tid	token	lemma	pos
ajis02-2809	1	1	paper	paper	NOUN
ajis02-2809	1	2	title	title	NOUN
ajis02-2809	1	3	(	(	PUNCT
ajis02-2809	1	4	paper	paper	NOUN
ajis02-2809	1	5	title	title	NOUN
ajis02-2809	1	6	style	style	NOUN
ajis02-2809	1	7	)	)	PUNCT
ajis02-2809	1	8	australasian	australasian	ADJ
ajis02-2809	1	9	journal	journal	NOUN
ajis02-2809	1	10	of	of	ADP
ajis02-2809	1	11	information	information	NOUN
ajis02-2809	1	12	systems	systems	PROPN
ajis02-2809	1	13	lai	lai	PROPN
ajis02-2809	1	14	&	&	CCONJ
ajis02-2809	1	15	liew	liew	PROPN
ajis02-2809	1	16	2021	2021	NUM
ajis02-2809	1	17	,	,	PUNCT
ajis02-2809	1	18	vol	vol	NOUN
ajis02-2809	1	19	25	25	NUM
ajis02-2809	1	20	,	,	PUNCT
ajis02-2809	1	21	research	research	NOUN
ajis02-2809	1	22	article	article	NOUN
ajis02-2809	1	23	towards	towards	ADP
ajis02-2809	1	24	a	a	DET
ajis02-2809	1	25	cashless	cashless	NOUN
ajis02-2809	1	26	society	society	NOUN
ajis02-2809	1	27	1	1	NUM
ajis02-2809	1	28	towards	towards	ADP
ajis02-2809	1	29	a	a	DET
ajis02-2809	1	30	cashless	cashless	NOUN
ajis02-2809	1	31	society	society	NOUN
ajis02-2809	1	32	:	:	PUNCT
ajis02-2809	1	33	the	the	DET
ajis02-2809	1	34	effects	effect	NOUN
ajis02-2809	1	35	of	of	ADP
ajis02-2809	1	36	perceived	perceive	VERB
ajis02-2809	1	37	convenience	convenience	NOUN
ajis02-2809	1	38	and	and	CCONJ
ajis02-2809	1	39	security	security	NOUN
ajis02-2809	1	40	on	on	ADP
ajis02-2809	1	41	gamified	gamifie	VERB
ajis02-2809	1	42	mobile	mobile	ADJ
ajis02-2809	1	43	payment	payment	NOUN
ajis02-2809	1	44	platform	platform	NOUN
ajis02-2809	1	45	adoption	adoption	NOUN
ajis02-2809	1	46	p.	p.	PROPN
ajis02-2809	1	47	c.	c.	PROPN
ajis02-2809	1	48	lai	lai	PROPN
ajis02-2809	1	49	university	university	PROPN
ajis02-2809	1	50	malaya	malaya	PROPN
ajis02-2809	1	51	,	,	PUNCT
ajis02-2809	1	52	malaysia	malaysia	PROPN
ajis02-2809	1	53	ewilly	ewilly	ADV
ajis02-2809	1	54	j.y	j.y	PROPN
ajis02-2809	1	55	.	.	PROPN
ajis02-2809	1	56	liew	liew	PROPN
ajis02-2809	1	57	monash	monash	PROPN
ajis02-2809	1	58	university	university	PROPN
ajis02-2809	1	59	malaysia	malaysia	PROPN
ajis02-2809	1	60	,	,	PUNCT
ajis02-2809	1	61	malaysia	malaysia	PROPN
ajis02-2809	1	62	ewilly.liew@monash.edu	ewilly.liew@monash.edu	NOUN
ajis02-2809	1	63	abstract	abstract	ADJ
ajis02-2809	1	64	integrating	integrate	VERB
ajis02-2809	1	65	gamification	gamification	NOUN
ajis02-2809	1	66	into	into	ADP
ajis02-2809	1	67	mobile	mobile	ADJ
ajis02-2809	1	68	payment	payment	NOUN
ajis02-2809	1	69	platforms	platform	NOUN
ajis02-2809	1	70	incentivizes	incentivize	VERB
ajis02-2809	1	71	people	people	NOUN
ajis02-2809	1	72	to	to	PART
ajis02-2809	1	73	use	use	VERB
ajis02-2809	1	74	digital	digital	ADJ
ajis02-2809	1	75	alternatives	alternative	NOUN
ajis02-2809	1	76	for	for	ADP
ajis02-2809	1	77	payment	payment	NOUN
ajis02-2809	1	78	and	and	CCONJ
ajis02-2809	1	79	could	could	AUX
ajis02-2809	1	80	spur	spur	VERB
ajis02-2809	1	81	user	user	NOUN
ajis02-2809	1	82	-	-	PUNCT
ajis02-2809	1	83	centric	centric	ADJ
ajis02-2809	1	84	,	,	PUNCT
ajis02-2809	1	85	platform	platform	NOUN
ajis02-2809	1	86	-	-	PUNCT
ajis02-2809	1	87	mediated	mediate	VERB
ajis02-2809	1	88	interactions	interaction	NOUN
ajis02-2809	1	89	.	.	PUNCT
ajis02-2809	2	1	this	this	DET
ajis02-2809	2	2	study	study	NOUN
ajis02-2809	2	3	examines	examine	VERB
ajis02-2809	2	4	the	the	DET
ajis02-2809	2	5	relationship	relationship	NOUN
ajis02-2809	2	6	between	between	ADP
ajis02-2809	2	7	perceived	perceive	VERB
ajis02-2809	2	8	convenience	convenience	NOUN
ajis02-2809	2	9	and	and	CCONJ
ajis02-2809	2	10	perceived	perceive	VERB
ajis02-2809	2	11	security	security	NOUN
ajis02-2809	2	12	on	on	ADP
ajis02-2809	2	13	individual	individual	ADJ
ajis02-2809	2	14	users	user	NOUN
ajis02-2809	2	15	’	’	PART
ajis02-2809	2	16	intention	intention	NOUN
ajis02-2809	2	17	to	to	PART
ajis02-2809	2	18	use	use	VERB
ajis02-2809	2	19	a	a	DET
ajis02-2809	2	20	gamified	gamifie	VERB
ajis02-2809	2	21	mobile	mobile	ADJ
ajis02-2809	2	22	payment	payment	NOUN
ajis02-2809	2	23	platform	platform	NOUN
ajis02-2809	2	24	in	in	ADP
ajis02-2809	2	25	malaysia	malaysia	PROPN
ajis02-2809	2	26	;	;	PUNCT
ajis02-2809	2	27	a	a	DET
ajis02-2809	2	28	developing	develop	VERB
ajis02-2809	2	29	country	country	NOUN
ajis02-2809	2	30	envisioned	envision	VERB
ajis02-2809	2	31	to	to	PART
ajis02-2809	2	32	build	build	VERB
ajis02-2809	2	33	a	a	DET
ajis02-2809	2	34	cashless	cashless	NOUN
ajis02-2809	2	35	society	society	NOUN
ajis02-2809	2	36	.	.	PUNCT
ajis02-2809	3	1	the	the	DET
ajis02-2809	3	2	partial	partial	ADJ
ajis02-2809	3	3	least	least	ADJ
ajis02-2809	3	4	square	square	ADJ
ajis02-2809	3	5	structural	structural	ADJ
ajis02-2809	3	6	equation	equation	NOUN
ajis02-2809	3	7	modeling	modeling	NOUN
ajis02-2809	3	8	(	(	PUNCT
ajis02-2809	3	9	pls	pls	NOUN
ajis02-2809	3	10	-	-	PUNCT
ajis02-2809	3	11	sem	sem	NOUN
ajis02-2809	3	12	)	)	PUNCT
ajis02-2809	3	13	technique	technique	NOUN
ajis02-2809	3	14	is	be	AUX
ajis02-2809	3	15	employed	employ	VERB
ajis02-2809	3	16	on	on	ADP
ajis02-2809	3	17	a	a	DET
ajis02-2809	3	18	final	final	ADJ
ajis02-2809	3	19	sample	sample	NOUN
ajis02-2809	3	20	of	of	ADP
ajis02-2809	3	21	388	388	NUM
ajis02-2809	3	22	online	online	ADJ
ajis02-2809	3	23	users	user	NOUN
ajis02-2809	3	24	.	.	PUNCT
ajis02-2809	4	1	the	the	DET
ajis02-2809	4	2	results	result	NOUN
ajis02-2809	4	3	show	show	VERB
ajis02-2809	4	4	that	that	SCONJ
ajis02-2809	4	5	perceived	perceive	VERB
ajis02-2809	4	6	convenience	convenience	NOUN
ajis02-2809	4	7	has	have	VERB
ajis02-2809	4	8	a	a	DET
ajis02-2809	4	9	strong	strong	ADJ
ajis02-2809	4	10	but	but	CCONJ
ajis02-2809	4	11	indirect	indirect	ADJ
ajis02-2809	4	12	effect	effect	NOUN
ajis02-2809	4	13	on	on	ADP
ajis02-2809	4	14	the	the	DET
ajis02-2809	4	15	intention	intention	NOUN
ajis02-2809	4	16	to	to	PART
ajis02-2809	4	17	use	use	VERB
ajis02-2809	4	18	.	.	PUNCT
ajis02-2809	5	1	perceived	perceive	VERB
ajis02-2809	5	2	security	security	NOUN
ajis02-2809	5	3	has	have	VERB
ajis02-2809	5	4	a	a	DET
ajis02-2809	5	5	strong	strong	ADJ
ajis02-2809	5	6	and	and	CCONJ
ajis02-2809	5	7	direct	direct	ADJ
ajis02-2809	5	8	effect	effect	NOUN
ajis02-2809	5	9	on	on	ADP
ajis02-2809	5	10	intention	intention	NOUN
ajis02-2809	5	11	to	to	PART
ajis02-2809	5	12	use	use	VERB
ajis02-2809	5	13	and	and	CCONJ
ajis02-2809	5	14	mediates	mediate	VERB
ajis02-2809	5	15	the	the	DET
ajis02-2809	5	16	relationship	relationship	NOUN
ajis02-2809	5	17	between	between	ADP
ajis02-2809	5	18	perceived	perceive	VERB
ajis02-2809	5	19	convenience	convenience	NOUN
ajis02-2809	5	20	and	and	CCONJ
ajis02-2809	5	21	intention	intention	NOUN
ajis02-2809	5	22	to	to	PART
ajis02-2809	5	23	use	use	VERB
ajis02-2809	5	24	.	.	PUNCT
ajis02-2809	6	1	furthermore	furthermore	ADV
ajis02-2809	6	2	,	,	PUNCT
ajis02-2809	6	3	the	the	DET
ajis02-2809	6	4	reliability	reliability	NOUN
ajis02-2809	6	5	aspect	aspect	NOUN
ajis02-2809	6	6	of	of	ADP
ajis02-2809	6	7	security	security	NOUN
ajis02-2809	6	8	is	be	AUX
ajis02-2809	6	9	a	a	DET
ajis02-2809	6	10	top	top	ADJ
ajis02-2809	6	11	priority	priority	NOUN
ajis02-2809	6	12	concern	concern	NOUN
ajis02-2809	6	13	for	for	ADP
ajis02-2809	6	14	users	user	NOUN
ajis02-2809	6	15	interested	interested	ADJ
ajis02-2809	6	16	in	in	ADP
ajis02-2809	6	17	using	use	VERB
ajis02-2809	6	18	mobile	mobile	ADJ
ajis02-2809	6	19	payment	payment	NOUN
ajis02-2809	6	20	.	.	PUNCT
ajis02-2809	7	1	the	the	DET
ajis02-2809	7	2	multi	multi	ADJ
ajis02-2809	7	3	-	-	ADJ
ajis02-2809	7	4	functional	functional	ADJ
ajis02-2809	7	5	aspect	aspect	NOUN
ajis02-2809	7	6	of	of	ADP
ajis02-2809	7	7	convenience	convenience	NOUN
ajis02-2809	7	8	is	be	AUX
ajis02-2809	7	9	a	a	DET
ajis02-2809	7	10	top	top	ADJ
ajis02-2809	7	11	priority	priority	NOUN
ajis02-2809	7	12	concern	concern	NOUN
ajis02-2809	7	13	to	to	PART
ajis02-2809	7	14	attract	attract	VERB
ajis02-2809	7	15	users	user	NOUN
ajis02-2809	7	16	who	who	PRON
ajis02-2809	7	17	are	be	AUX
ajis02-2809	7	18	not	not	PART
ajis02-2809	7	19	interested	interested	ADJ
ajis02-2809	7	20	in	in	ADP
ajis02-2809	7	21	using	use	VERB
ajis02-2809	7	22	mobile	mobile	ADJ
ajis02-2809	7	23	payment	payment	NOUN
ajis02-2809	7	24	at	at	ADP
ajis02-2809	7	25	first	first	ADV
ajis02-2809	7	26	.	.	PUNCT
ajis02-2809	8	1	the	the	DET
ajis02-2809	8	2	study	study	NOUN
ajis02-2809	8	3	discusses	discuss	VERB
ajis02-2809	8	4	theoretical	theoretical	ADJ
ajis02-2809	8	5	and	and	CCONJ
ajis02-2809	8	6	practical	practical	ADJ
ajis02-2809	8	7	implications	implication	NOUN
ajis02-2809	8	8	for	for	ADP
ajis02-2809	8	9	developing	develop	VERB
ajis02-2809	8	10	a	a	DET
ajis02-2809	8	11	dual	dual	ADJ
ajis02-2809	8	12	strategy	strategy	NOUN
ajis02-2809	8	13	of	of	ADP
ajis02-2809	8	14	‘	'	PUNCT
ajis02-2809	8	15	ensuring	ensure	VERB
ajis02-2809	8	16	convenience	convenience	NOUN
ajis02-2809	8	17	’	'	PUNCT
ajis02-2809	8	18	and	and	CCONJ
ajis02-2809	8	19	‘	'	PUNCT
ajis02-2809	8	20	assuring	assure	VERB
ajis02-2809	8	21	security	security	NOUN
ajis02-2809	8	22	’	'	PUNCT
ajis02-2809	8	23	to	to	PART
ajis02-2809	8	24	encourage	encourage	VERB
ajis02-2809	8	25	the	the	DET
ajis02-2809	8	26	gamified	gamifie	VERB
ajis02-2809	8	27	mobile	mobile	ADJ
ajis02-2809	8	28	payment	payment	NOUN
ajis02-2809	8	29	platform	platform	NOUN
ajis02-2809	8	30	adoption	adoption	NOUN
ajis02-2809	8	31	in	in	ADP
ajis02-2809	8	32	developing	develop	VERB
ajis02-2809	8	33	countries	country	NOUN
ajis02-2809	8	34	.	.	PUNCT
ajis02-2809	9	1	keywords	keyword	NOUN
ajis02-2809	9	2	:	:	PUNCT
ajis02-2809	9	3	mobile	mobile	ADJ
ajis02-2809	9	4	payment	payment	NOUN
ajis02-2809	9	5	,	,	PUNCT
ajis02-2809	9	6	gamification	gamification	NOUN
ajis02-2809	9	7	,	,	PUNCT
ajis02-2809	9	8	perceived	perceive	VERB
ajis02-2809	9	9	convenience	convenience	NOUN
ajis02-2809	9	10	,	,	PUNCT
ajis02-2809	9	11	perceived	perceive	VERB
ajis02-2809	9	12	security	security	NOUN
ajis02-2809	9	13	,	,	PUNCT
ajis02-2809	9	14	developing	develop	VERB
ajis02-2809	9	15	country	country	NOUN
ajis02-2809	9	16	1	1	NUM
ajis02-2809	9	17	introduction	introduction	NOUN
ajis02-2809	9	18	the	the	DET
ajis02-2809	9	19	emergence	emergence	NOUN
ajis02-2809	9	20	of	of	ADP
ajis02-2809	9	21	digital	digital	ADJ
ajis02-2809	9	22	platforms	platform	NOUN
ajis02-2809	9	23	and	and	CCONJ
ajis02-2809	9	24	new	new	ADJ
ajis02-2809	9	25	technologies	technology	NOUN
ajis02-2809	9	26	has	have	AUX
ajis02-2809	9	27	created	create	VERB
ajis02-2809	9	28	a	a	DET
ajis02-2809	9	29	new	new	ADJ
ajis02-2809	9	30	trajectory	trajectory	NOUN
ajis02-2809	9	31	for	for	ADP
ajis02-2809	9	32	technology	technology	NOUN
ajis02-2809	9	33	-	-	PUNCT
ajis02-2809	9	34	mediated	mediate	VERB
ajis02-2809	9	35	payment	payment	NOUN
ajis02-2809	9	36	transactions	transaction	NOUN
ajis02-2809	9	37	and	and	CCONJ
ajis02-2809	9	38	multichannel	multichannel	PROPN
ajis02-2809	9	39	financial	financial	ADJ
ajis02-2809	9	40	services	service	NOUN
ajis02-2809	9	41	delivery	delivery	NOUN
ajis02-2809	9	42	.	.	PUNCT
ajis02-2809	10	1	unlike	unlike	ADP
ajis02-2809	10	2	the	the	DET
ajis02-2809	10	3	highly	highly	ADV
ajis02-2809	10	4	conservative	conservative	ADJ
ajis02-2809	10	5	and	and	CCONJ
ajis02-2809	10	6	regulated	regulated	ADJ
ajis02-2809	10	7	banking	banking	NOUN
ajis02-2809	10	8	industry	industry	NOUN
ajis02-2809	10	9	,	,	PUNCT
ajis02-2809	10	10	the	the	DET
ajis02-2809	10	11	non	non	ADJ
ajis02-2809	10	12	-	-	ADJ
ajis02-2809	10	13	banking	banking	ADJ
ajis02-2809	10	14	service	service	NOUN
ajis02-2809	10	15	industry	industry	NOUN
ajis02-2809	10	16	has	have	AUX
ajis02-2809	10	17	been	be	AUX
ajis02-2809	10	18	more	more	ADV
ajis02-2809	10	19	fluid	fluid	ADJ
ajis02-2809	10	20	,	,	PUNCT
ajis02-2809	10	21	flexible	flexible	ADJ
ajis02-2809	10	22	,	,	PUNCT
ajis02-2809	10	23	and	and	CCONJ
ajis02-2809	10	24	customizable	customizable	ADJ
ajis02-2809	10	25	(	(	PUNCT
ajis02-2809	10	26	alhassan	alhassan	PROPN
ajis02-2809	10	27	,	,	PUNCT
ajis02-2809	10	28	li	li	PROPN
ajis02-2809	10	29	,	,	PUNCT
ajis02-2809	10	30	reddy	reddy	PROPN
ajis02-2809	10	31	,	,	PUNCT
ajis02-2809	10	32	&	&	CCONJ
ajis02-2809	10	33	duppati	duppati	PROPN
ajis02-2809	10	34	,	,	PUNCT
ajis02-2809	10	35	2020	2020	NUM
ajis02-2809	10	36	)	)	PUNCT
ajis02-2809	10	37	.	.	PUNCT
ajis02-2809	11	1	mobile	mobile	ADJ
ajis02-2809	11	2	payment	payment	NOUN
ajis02-2809	11	3	in	in	ADP
ajis02-2809	11	4	the	the	DET
ajis02-2809	11	5	service	service	NOUN
ajis02-2809	11	6	marketing	marketing	NOUN
ajis02-2809	11	7	industry	industry	NOUN
ajis02-2809	11	8	provides	provide	VERB
ajis02-2809	11	9	consumers	consumer	NOUN
ajis02-2809	11	10	a	a	DET
ajis02-2809	11	11	cost	cost	NOUN
ajis02-2809	11	12	-	-	PUNCT
ajis02-2809	11	13	effective	effective	ADJ
ajis02-2809	11	14	alternative	alternative	NOUN
ajis02-2809	11	15	to	to	PART
ajis02-2809	11	16	pay	pay	VERB
ajis02-2809	11	17	for	for	ADP
ajis02-2809	11	18	products	product	NOUN
ajis02-2809	11	19	,	,	PUNCT
ajis02-2809	11	20	services	service	NOUN
ajis02-2809	11	21	,	,	PUNCT
ajis02-2809	11	22	and	and	CCONJ
ajis02-2809	11	23	information	information	NOUN
ajis02-2809	11	24	transactions	transaction	NOUN
ajis02-2809	11	25	digitally	digitally	ADV
ajis02-2809	11	26	via	via	ADP
ajis02-2809	11	27	wireless	wireless	ADJ
ajis02-2809	11	28	technologies	technology	NOUN
ajis02-2809	11	29	(	(	PUNCT
ajis02-2809	11	30	lai	lai	PROPN
ajis02-2809	11	31	&	&	CCONJ
ajis02-2809	11	32	scheela	scheela	PROPN
ajis02-2809	11	33	,	,	PUNCT
ajis02-2809	11	34	2018	2018	NUM
ajis02-2809	11	35	)	)	PUNCT
ajis02-2809	11	36	.	.	PUNCT
ajis02-2809	12	1	integrating	integrate	VERB
ajis02-2809	12	2	gamification	gamification	NOUN
ajis02-2809	12	3	into	into	ADP
ajis02-2809	12	4	the	the	DET
ajis02-2809	12	5	mobile	mobile	ADJ
ajis02-2809	12	6	payment	payment	NOUN
ajis02-2809	12	7	platform	platform	NOUN
ajis02-2809	12	8	as	as	ADP
ajis02-2809	12	9	deliberate	deliberate	ADJ
ajis02-2809	12	10	incorporation	incorporation	NOUN
ajis02-2809	12	11	of	of	ADP
ajis02-2809	12	12	user	user	NOUN
ajis02-2809	12	13	experience	experience	NOUN
ajis02-2809	12	14	(	(	PUNCT
ajis02-2809	12	15	ux	ux	NOUN
ajis02-2809	12	16	)	)	PUNCT
ajis02-2809	12	17	design	design	NOUN
ajis02-2809	12	18	element	element	NOUN
ajis02-2809	12	19	could	could	AUX
ajis02-2809	12	20	spur	spur	VERB
ajis02-2809	12	21	a	a	DET
ajis02-2809	12	22	multichannel	multichannel	ADJ
ajis02-2809	12	23	mobile	mobile	ADJ
ajis02-2809	12	24	marketing	marketing	NOUN
ajis02-2809	12	25	experience	experience	NOUN
ajis02-2809	12	26	(	(	PUNCT
ajis02-2809	12	27	högberg	högberg	PROPN
ajis02-2809	12	28	,	,	PUNCT
ajis02-2809	12	29	shams	sham	NOUN
ajis02-2809	12	30	,	,	PUNCT
ajis02-2809	12	31	&	&	CCONJ
ajis02-2809	12	32	wästlund	wästlund	PROPN
ajis02-2809	12	33	,	,	PUNCT
ajis02-2809	12	34	2019	2019	NUM
ajis02-2809	12	35	;	;	PUNCT
ajis02-2809	12	36	lemon	lemon	NOUN
ajis02-2809	12	37	&	&	CCONJ
ajis02-2809	12	38	verhoef	verhoef	PROPN
ajis02-2809	12	39	,	,	PUNCT
ajis02-2809	12	40	2016	2016	NUM
ajis02-2809	12	41	)	)	PUNCT
ajis02-2809	12	42	.	.	PUNCT
ajis02-2809	13	1	platform	platform	NOUN
ajis02-2809	13	2	-	-	PUNCT
ajis02-2809	13	3	mediated	mediate	VERB
ajis02-2809	13	4	interactions	interaction	NOUN
ajis02-2809	13	5	between	between	ADP
ajis02-2809	13	6	service	service	NOUN
ajis02-2809	13	7	providers	provider	NOUN
ajis02-2809	13	8	and	and	CCONJ
ajis02-2809	13	9	users	user	NOUN
ajis02-2809	13	10	play	play	VERB
ajis02-2809	13	11	a	a	DET
ajis02-2809	13	12	central	central	ADJ
ajis02-2809	13	13	role	role	NOUN
ajis02-2809	13	14	in	in	ADP
ajis02-2809	13	15	creating	create	VERB
ajis02-2809	13	16	value	value	NOUN
ajis02-2809	13	17	(	(	PUNCT
ajis02-2809	13	18	mukerji	mukerji	NOUN
ajis02-2809	13	19	&	&	CCONJ
ajis02-2809	13	20	roy	roy	PROPN
ajis02-2809	13	21	,	,	PUNCT
ajis02-2809	13	22	2019	2019	NUM
ajis02-2809	13	23	)	)	PUNCT
ajis02-2809	13	24	.	.	PUNCT
ajis02-2809	14	1	gamification	gamification	NOUN
ajis02-2809	14	2	on	on	ADP
ajis02-2809	14	3	mobile	mobile	ADJ
ajis02-2809	14	4	payment	payment	NOUN
ajis02-2809	14	5	platform	platform	NOUN
ajis02-2809	14	6	capitalizes	capitalize	VERB
ajis02-2809	14	7	on	on	ADP
ajis02-2809	14	8	user	user	NOUN
ajis02-2809	14	9	-	-	PUNCT
ajis02-2809	14	10	centric	centric	ADJ
ajis02-2809	14	11	interaction	interaction	NOUN
ajis02-2809	14	12	to	to	PART
ajis02-2809	14	13	encourage	encourage	VERB
ajis02-2809	14	14	consumer	consumer	NOUN
ajis02-2809	14	15	engagement	engagement	NOUN
ajis02-2809	14	16	(	(	PUNCT
ajis02-2809	14	17	hofacker	hofacker	NOUN
ajis02-2809	14	18	,	,	PUNCT
ajis02-2809	14	19	de	de	ADP
ajis02-2809	14	20	ruyter	ruyter	NOUN
ajis02-2809	14	21	,	,	PUNCT
ajis02-2809	14	22	lurie	lurie	PROPN
ajis02-2809	14	23	,	,	PUNCT
ajis02-2809	14	24	manchanda	manchanda	PROPN
ajis02-2809	14	25	,	,	PUNCT
ajis02-2809	14	26	&	&	CCONJ
ajis02-2809	14	27	donaldson	donaldson	PROPN
ajis02-2809	14	28	,	,	PUNCT
ajis02-2809	14	29	2016	2016	NUM
ajis02-2809	14	30	)	)	PUNCT
ajis02-2809	14	31	,	,	PUNCT
ajis02-2809	14	32	motivate	motivate	ADJ
ajis02-2809	14	33	purchase	purchase	NOUN
ajis02-2809	14	34	decisions	decision	NOUN
ajis02-2809	14	35	(	(	PUNCT
ajis02-2809	14	36	huotari	huotari	PROPN
ajis02-2809	14	37	&	&	CCONJ
ajis02-2809	14	38	hamari	hamari	PROPN
ajis02-2809	14	39	,	,	PUNCT
ajis02-2809	14	40	2017	2017	NUM
ajis02-2809	14	41	)	)	PUNCT
ajis02-2809	14	42	,	,	PUNCT
ajis02-2809	14	43	and	and	CCONJ
ajis02-2809	14	44	ultimately	ultimately	ADV
ajis02-2809	14	45	,	,	PUNCT
ajis02-2809	14	46	increase	increase	VERB
ajis02-2809	14	47	sales	sale	NOUN
ajis02-2809	14	48	revenue	revenue	NOUN
ajis02-2809	14	49	(	(	PUNCT
ajis02-2809	14	50	ramadan	ramadan	PROPN
ajis02-2809	14	51	&	&	CCONJ
ajis02-2809	14	52	farah	farah	PROPN
ajis02-2809	14	53	,	,	PUNCT
ajis02-2809	14	54	2017	2017	NUM
ajis02-2809	14	55	)	)	PUNCT
ajis02-2809	14	56	.	.	PUNCT
ajis02-2809	15	1	thus	thus	ADV
ajis02-2809	15	2	,	,	PUNCT
ajis02-2809	15	3	there	there	PRON
ajis02-2809	15	4	emerged	emerge	VERB
ajis02-2809	15	5	a	a	DET
ajis02-2809	15	6	potential	potential	ADJ
ajis02-2809	15	7	australasian	australasian	ADJ
ajis02-2809	15	8	journal	journal	NOUN
ajis02-2809	15	9	of	of	ADP
ajis02-2809	15	10	information	information	NOUN
ajis02-2809	15	11	systems	systems	PROPN
ajis02-2809	15	12	lai	lai	PROPN
ajis02-2809	15	13	&	&	CCONJ
ajis02-2809	15	14	liew	liew	PROPN
ajis02-2809	15	15	2021	2021	NUM
ajis02-2809	15	16	,	,	PUNCT
ajis02-2809	15	17	vol	vol	NOUN
ajis02-2809	15	18	25	25	NUM
ajis02-2809	15	19	,	,	PUNCT
ajis02-2809	15	20	research	research	NOUN
ajis02-2809	15	21	article	article	NOUN
ajis02-2809	15	22	towards	towards	ADP
ajis02-2809	15	23	a	a	DET
ajis02-2809	15	24	cashless	cashless	NOUN
ajis02-2809	15	25	society	society	NOUN
ajis02-2809	15	26	2	2	NUM
ajis02-2809	15	27	paradigm	paradigm	NOUN
ajis02-2809	15	28	shift	shift	NOUN
ajis02-2809	15	29	in	in	ADP
ajis02-2809	15	30	the	the	DET
ajis02-2809	15	31	way	way	NOUN
ajis02-2809	15	32	businesses	business	NOUN
ajis02-2809	15	33	convert	convert	VERB
ajis02-2809	15	34	consumer	consumer	NOUN
ajis02-2809	15	35	engagement	engagement	NOUN
ajis02-2809	15	36	to	to	ADP
ajis02-2809	15	37	actual	actual	ADJ
ajis02-2809	15	38	sales	sale	NOUN
ajis02-2809	15	39	anytime	anytime	ADV
ajis02-2809	15	40	,	,	PUNCT
ajis02-2809	15	41	anywhere	anywhere	ADV
ajis02-2809	15	42	.	.	PUNCT
ajis02-2809	16	1	the	the	DET
ajis02-2809	16	2	increasingly	increasingly	ADV
ajis02-2809	16	3	complex	complex	ADJ
ajis02-2809	16	4	and	and	CCONJ
ajis02-2809	16	5	diverse	diverse	VERB
ajis02-2809	16	6	digital	digital	ADJ
ajis02-2809	16	7	ecologies	ecology	NOUN
ajis02-2809	16	8	on	on	ADP
ajis02-2809	16	9	the	the	DET
ajis02-2809	16	10	internet	internet	NOUN
ajis02-2809	16	11	have	have	VERB
ajis02-2809	16	12	a	a	DET
ajis02-2809	16	13	significant	significant	ADJ
ajis02-2809	16	14	impact	impact	NOUN
ajis02-2809	16	15	on	on	ADP
ajis02-2809	16	16	individuals	individual	NOUN
ajis02-2809	16	17	and	and	CCONJ
ajis02-2809	16	18	organizations	organization	NOUN
ajis02-2809	16	19	living	live	VERB
ajis02-2809	16	20	in	in	ADP
ajis02-2809	16	21	a	a	DET
ajis02-2809	16	22	connected	connected	ADJ
ajis02-2809	16	23	society	society	NOUN
ajis02-2809	16	24	(	(	PUNCT
ajis02-2809	16	25	linger	linger	PROPN
ajis02-2809	16	26	&	&	CCONJ
ajis02-2809	16	27	hasan	hasan	PROPN
ajis02-2809	16	28	,	,	PUNCT
ajis02-2809	16	29	2020	2020	NUM
ajis02-2809	16	30	)	)	PUNCT
ajis02-2809	16	31	.	.	PUNCT
ajis02-2809	17	1	within	within	ADP
ajis02-2809	17	2	the	the	DET
ajis02-2809	17	3	platform	platform	NOUN
ajis02-2809	17	4	ecosystem	ecosystem	NOUN
ajis02-2809	17	5	,	,	PUNCT
ajis02-2809	17	6	businesses	business	NOUN
ajis02-2809	17	7	face	face	VERB
ajis02-2809	17	8	pressures	pressure	NOUN
ajis02-2809	17	9	to	to	PART
ajis02-2809	17	10	diversify	diversify	VERB
ajis02-2809	17	11	their	their	PRON
ajis02-2809	17	12	marketing	marketing	NOUN
ajis02-2809	17	13	channels	channel	NOUN
ajis02-2809	17	14	and	and	CCONJ
ajis02-2809	17	15	make	make	VERB
ajis02-2809	17	16	optimal	optimal	ADJ
ajis02-2809	17	17	pricing	pricing	NOUN
ajis02-2809	17	18	decisions	decision	NOUN
ajis02-2809	17	19	(	(	PUNCT
ajis02-2809	17	20	zhang	zhang	PROPN
ajis02-2809	17	21	,	,	PUNCT
ajis02-2809	17	22	xu	xu	PROPN
ajis02-2809	17	23	,	,	PUNCT
ajis02-2809	17	24	&	&	CCONJ
ajis02-2809	17	25	bai	bai	PROPN
ajis02-2809	17	26	,	,	PUNCT
ajis02-2809	17	27	2020	2020	NUM
ajis02-2809	17	28	)	)	PUNCT
ajis02-2809	17	29	for	for	ADP
ajis02-2809	17	30	gaining	gain	VERB
ajis02-2809	17	31	competitive	competitive	ADJ
ajis02-2809	17	32	advantages	advantage	NOUN
ajis02-2809	17	33	and	and	CCONJ
ajis02-2809	17	34	larger	large	ADJ
ajis02-2809	17	35	market	market	NOUN
ajis02-2809	17	36	shares	share	NOUN
ajis02-2809	17	37	.	.	PUNCT
ajis02-2809	18	1	mobile	mobile	ADJ
ajis02-2809	18	2	payment	payment	NOUN
ajis02-2809	18	3	platforms	platform	NOUN
ajis02-2809	18	4	open	open	VERB
ajis02-2809	18	5	a	a	DET
ajis02-2809	18	6	new	new	ADJ
ajis02-2809	18	7	avenue	avenue	NOUN
ajis02-2809	18	8	for	for	SCONJ
ajis02-2809	18	9	businesses	business	NOUN
ajis02-2809	18	10	to	to	PART
ajis02-2809	18	11	create	create	VERB
ajis02-2809	18	12	an	an	DET
ajis02-2809	18	13	interactive	interactive	ADJ
ajis02-2809	18	14	marketing	marketing	NOUN
ajis02-2809	18	15	strategy	strategy	NOUN
ajis02-2809	18	16	that	that	PRON
ajis02-2809	18	17	would	would	AUX
ajis02-2809	18	18	reduce	reduce	VERB
ajis02-2809	18	19	consumers	consumer	NOUN
ajis02-2809	18	20	’	'	PUNCT
ajis02-2809	18	21	buying	buying	NOUN
ajis02-2809	18	22	time	time	NOUN
ajis02-2809	18	23	and	and	CCONJ
ajis02-2809	18	24	improve	improve	VERB
ajis02-2809	18	25	shopping	shopping	NOUN
ajis02-2809	18	26	quality	quality	NOUN
ajis02-2809	18	27	.	.	PUNCT
ajis02-2809	19	1	consumer	consumer	NOUN
ajis02-2809	19	2	-	-	PUNCT
ajis02-2809	19	3	centric	centric	NOUN
ajis02-2809	19	4	convenience	convenience	NOUN
ajis02-2809	19	5	is	be	AUX
ajis02-2809	19	6	a	a	DET
ajis02-2809	19	7	significant	significant	ADJ
ajis02-2809	19	8	contributing	contribute	VERB
ajis02-2809	19	9	factor	factor	NOUN
ajis02-2809	19	10	to	to	PART
ajis02-2809	19	11	advance	advance	VERB
ajis02-2809	19	12	the	the	DET
ajis02-2809	19	13	service	service	NOUN
ajis02-2809	19	14	economy	economy	NOUN
ajis02-2809	19	15	(	(	PUNCT
ajis02-2809	19	16	cao	cao	PROPN
ajis02-2809	19	17	&	&	CCONJ
ajis02-2809	19	18	zhu	zhu	PROPN
ajis02-2809	19	19	,	,	PUNCT
ajis02-2809	19	20	2019	2019	NUM
ajis02-2809	19	21	)	)	PUNCT
ajis02-2809	19	22	and	and	CCONJ
ajis02-2809	19	23	accelerate	accelerate	VERB
ajis02-2809	19	24	mobile	mobile	ADJ
ajis02-2809	19	25	services	service	NOUN
ajis02-2809	19	26	such	such	ADJ
ajis02-2809	19	27	as	as	ADP
ajis02-2809	19	28	in	in	ADP
ajis02-2809	19	29	-	-	PUNCT
ajis02-2809	19	30	app	app	NOUN
ajis02-2809	19	31	advertising	advertising	NOUN
ajis02-2809	19	32	(	(	PUNCT
ajis02-2809	19	33	truong	truong	PROPN
ajis02-2809	19	34	,	,	PUNCT
ajis02-2809	19	35	nkhoma	nkhoma	NOUN
ajis02-2809	19	36	,	,	PUNCT
ajis02-2809	19	37	&	&	CCONJ
ajis02-2809	19	38	pansuwong	pansuwong	PROPN
ajis02-2809	19	39	,	,	PUNCT
ajis02-2809	19	40	2019	2019	NUM
ajis02-2809	19	41	)	)	PUNCT
ajis02-2809	19	42	,	,	PUNCT
ajis02-2809	19	43	internet	internet	NOUN
ajis02-2809	19	44	banking	banking	NOUN
ajis02-2809	19	45	(	(	PUNCT
ajis02-2809	19	46	kumar	kumar	PROPN
ajis02-2809	19	47	,	,	PUNCT
ajis02-2809	19	48	sachan	sachan	NOUN
ajis02-2809	19	49	,	,	PUNCT
ajis02-2809	19	50	&	&	CCONJ
ajis02-2809	19	51	kumar	kumar	PROPN
ajis02-2809	19	52	,	,	PUNCT
ajis02-2809	19	53	2020	2020	NUM
ajis02-2809	19	54	)	)	PUNCT
ajis02-2809	19	55	,	,	PUNCT
ajis02-2809	19	56	and	and	CCONJ
ajis02-2809	19	57	mobile	mobile	ADJ
ajis02-2809	19	58	payment	payment	NOUN
ajis02-2809	19	59	(	(	PUNCT
ajis02-2809	19	60	de	de	X
ajis02-2809	19	61	kerviler	kerviler	PROPN
ajis02-2809	19	62	,	,	PUNCT
ajis02-2809	19	63	demoulin	demoulin	PROPN
ajis02-2809	19	64	,	,	PUNCT
ajis02-2809	19	65	&	&	CCONJ
ajis02-2809	19	66	zidda	zidda	PROPN
ajis02-2809	19	67	,	,	PUNCT
ajis02-2809	19	68	2016	2016	NUM
ajis02-2809	19	69	;	;	PUNCT
ajis02-2809	19	70	teo	teo	PROPN
ajis02-2809	19	71	,	,	PUNCT
ajis02-2809	19	72	tan	tan	PROPN
ajis02-2809	19	73	,	,	PUNCT
ajis02-2809	19	74	ooi	ooi	PROPN
ajis02-2809	19	75	,	,	PUNCT
ajis02-2809	19	76	hew	hew	VERB
ajis02-2809	19	77	,	,	PUNCT
ajis02-2809	19	78	&	&	CCONJ
ajis02-2809	19	79	yew	yew	PROPN
ajis02-2809	19	80	,	,	PUNCT
ajis02-2809	19	81	2015	2015	NUM
ajis02-2809	19	82	)	)	PUNCT
ajis02-2809	19	83	.	.	PUNCT
ajis02-2809	20	1	perceived	perceive	VERB
ajis02-2809	20	2	convenience	convenience	NOUN
ajis02-2809	20	3	from	from	ADP
ajis02-2809	20	4	a	a	DET
ajis02-2809	20	5	mobile	mobile	ADJ
ajis02-2809	20	6	payment	payment	NOUN
ajis02-2809	20	7	perspective	perspective	NOUN
ajis02-2809	20	8	refers	refer	VERB
ajis02-2809	20	9	to	to	ADP
ajis02-2809	20	10	consumers	consumer	NOUN
ajis02-2809	20	11	’	'	PUNCT
ajis02-2809	20	12	perceived	perceive	VERB
ajis02-2809	20	13	expenditures	expenditure	NOUN
ajis02-2809	20	14	of	of	ADP
ajis02-2809	20	15	time	time	NOUN
ajis02-2809	20	16	and	and	CCONJ
ajis02-2809	20	17	effort	effort	NOUN
ajis02-2809	20	18	to	to	PART
ajis02-2809	20	19	conduct	conduct	VERB
ajis02-2809	20	20	payment	payment	NOUN
ajis02-2809	20	21	transactions	transaction	NOUN
ajis02-2809	20	22	more	more	ADV
ajis02-2809	20	23	readily	readily	ADV
ajis02-2809	20	24	(	(	PUNCT
ajis02-2809	20	25	berry	berry	NOUN
ajis02-2809	20	26	,	,	PUNCT
ajis02-2809	20	27	seiders	seider	NOUN
ajis02-2809	20	28	,	,	PUNCT
ajis02-2809	20	29	&	&	CCONJ
ajis02-2809	20	30	grewal	grewal	PROPN
ajis02-2809	20	31	,	,	PUNCT
ajis02-2809	20	32	2002	2002	NUM
ajis02-2809	20	33	;	;	PUNCT
ajis02-2809	20	34	gensler	gensler	NOUN
ajis02-2809	20	35	,	,	PUNCT
ajis02-2809	20	36	verhoef	verhoef	NOUN
ajis02-2809	20	37	,	,	PUNCT
ajis02-2809	20	38	&	&	CCONJ
ajis02-2809	20	39	böhm	böhm	NOUN
ajis02-2809	20	40	,	,	PUNCT
ajis02-2809	20	41	2012	2012	NUM
ajis02-2809	20	42	)	)	PUNCT
ajis02-2809	20	43	.	.	PUNCT
ajis02-2809	21	1	however	however	ADV
ajis02-2809	21	2	,	,	PUNCT
ajis02-2809	21	3	what	what	PRON
ajis02-2809	21	4	businesses	business	NOUN
ajis02-2809	21	5	understood	understand	VERB
ajis02-2809	21	6	as	as	ADP
ajis02-2809	21	7	consumercentric	consumercentric	ADJ
ajis02-2809	21	8	convenience	convenience	NOUN
ajis02-2809	21	9	,	,	PUNCT
ajis02-2809	21	10	thereby	thereby	ADV
ajis02-2809	21	11	influencing	influence	VERB
ajis02-2809	21	12	their	their	PRON
ajis02-2809	21	13	marketing	marketing	NOUN
ajis02-2809	21	14	strategy	strategy	NOUN
ajis02-2809	21	15	decision	decision	NOUN
ajis02-2809	21	16	,	,	PUNCT
ajis02-2809	21	17	may	may	AUX
ajis02-2809	21	18	not	not	PART
ajis02-2809	21	19	necessarily	necessarily	ADV
ajis02-2809	21	20	coincide	coincide	VERB
ajis02-2809	21	21	with	with	ADP
ajis02-2809	21	22	what	what	PRON
ajis02-2809	21	23	consumers	consumer	NOUN
ajis02-2809	21	24	perceive	perceive	VERB
ajis02-2809	21	25	as	as	ADP
ajis02-2809	21	26	convenient	convenient	ADJ
ajis02-2809	21	27	.	.	PUNCT
ajis02-2809	22	1	furthermore	furthermore	ADV
ajis02-2809	22	2	,	,	PUNCT
ajis02-2809	22	3	a	a	DET
ajis02-2809	22	4	meta	meta	ADJ
ajis02-2809	22	5	-	-	PUNCT
ajis02-2809	22	6	analysis	analysis	NOUN
ajis02-2809	22	7	review	review	NOUN
ajis02-2809	22	8	conducted	conduct	VERB
ajis02-2809	22	9	by	by	ADP
ajis02-2809	22	10	liu	liu	PROPN
ajis02-2809	22	11	and	and	CCONJ
ajis02-2809	22	12	colleagues	colleague	NOUN
ajis02-2809	22	13	(	(	PUNCT
ajis02-2809	22	14	2019	2019	NUM
ajis02-2809	22	15	)	)	PUNCT
ajis02-2809	22	16	found	find	VERB
ajis02-2809	22	17	that	that	SCONJ
ajis02-2809	22	18	consumers	consumer	NOUN
ajis02-2809	22	19	living	live	VERB
ajis02-2809	22	20	in	in	ADP
ajis02-2809	22	21	cash	cash	NOUN
ajis02-2809	22	22	-	-	PUNCT
ajis02-2809	22	23	centric	centric	ADJ
ajis02-2809	22	24	developing	develop	VERB
ajis02-2809	22	25	countries	country	NOUN
ajis02-2809	22	26	are	be	AUX
ajis02-2809	22	27	particularly	particularly	ADV
ajis02-2809	22	28	positive	positive	ADJ
ajis02-2809	22	29	towards	towards	ADP
ajis02-2809	22	30	adopting	adopt	VERB
ajis02-2809	22	31	mobile	mobile	ADJ
ajis02-2809	22	32	payment	payment	NOUN
ajis02-2809	22	33	.	.	PUNCT
ajis02-2809	23	1	plausible	plausible	ADJ
ajis02-2809	23	2	reasons	reason	NOUN
ajis02-2809	23	3	could	could	AUX
ajis02-2809	23	4	be	be	AUX
ajis02-2809	23	5	the	the	DET
ajis02-2809	23	6	rapid	rapid	ADJ
ajis02-2809	23	7	proliferation	proliferation	NOUN
ajis02-2809	23	8	of	of	ADP
ajis02-2809	23	9	affordable	affordable	ADJ
ajis02-2809	23	10	smartphones	smartphone	NOUN
ajis02-2809	23	11	and	and	CCONJ
ajis02-2809	23	12	the	the	DET
ajis02-2809	23	13	rising	rise	VERB
ajis02-2809	23	14	awareness	awareness	NOUN
ajis02-2809	23	15	among	among	ADP
ajis02-2809	23	16	tech	tech	NOUN
ajis02-2809	23	17	-	-	PUNCT
ajis02-2809	23	18	savvy	savvy	VERB
ajis02-2809	23	19	consumers	consumer	NOUN
ajis02-2809	23	20	to	to	PART
ajis02-2809	23	21	catch	catch	VERB
ajis02-2809	23	22	up	up	ADP
ajis02-2809	23	23	with	with	ADP
ajis02-2809	23	24	fastpaced	fastpaced	ADJ
ajis02-2809	23	25	urban	urban	ADJ
ajis02-2809	23	26	lifestyles	lifestyle	NOUN
ajis02-2809	23	27	(	(	PUNCT
ajis02-2809	23	28	poushter	poushter	NOUN
ajis02-2809	23	29	,	,	PUNCT
ajis02-2809	23	30	bishop	bishop	PROPN
ajis02-2809	23	31	,	,	PUNCT
ajis02-2809	23	32	&	&	CCONJ
ajis02-2809	23	33	chew	chew	VERB
ajis02-2809	23	34	,	,	PUNCT
ajis02-2809	23	35	2018	2018	NUM
ajis02-2809	23	36	)	)	PUNCT
ajis02-2809	23	37	.	.	PUNCT
ajis02-2809	24	1	due	due	ADP
ajis02-2809	24	2	to	to	ADP
ajis02-2809	24	3	these	these	DET
ajis02-2809	24	4	reasons	reason	NOUN
ajis02-2809	24	5	,	,	PUNCT
ajis02-2809	24	6	developing	develop	VERB
ajis02-2809	24	7	countries	country	NOUN
ajis02-2809	24	8	have	have	VERB
ajis02-2809	24	9	a	a	DET
ajis02-2809	24	10	very	very	ADV
ajis02-2809	24	11	high	high	ADJ
ajis02-2809	24	12	potential	potential	NOUN
ajis02-2809	24	13	for	for	ADP
ajis02-2809	24	14	using	use	VERB
ajis02-2809	24	15	mobile	mobile	ADJ
ajis02-2809	24	16	payment	payment	NOUN
ajis02-2809	24	17	platforms	platform	NOUN
ajis02-2809	24	18	despite	despite	SCONJ
ajis02-2809	24	19	the	the	DET
ajis02-2809	24	20	relatively	relatively	ADV
ajis02-2809	24	21	lower	low	ADJ
ajis02-2809	24	22	broadband	broadband	NOUN
ajis02-2809	24	23	internet	internet	NOUN
ajis02-2809	24	24	penetration	penetration	NOUN
ajis02-2809	24	25	(	(	PUNCT
ajis02-2809	24	26	lai	lai	PROPN
ajis02-2809	24	27	&	&	CCONJ
ajis02-2809	24	28	scheela	scheela	PROPN
ajis02-2809	24	29	,	,	PUNCT
ajis02-2809	24	30	2018	2018	NUM
ajis02-2809	24	31	;	;	PUNCT
ajis02-2809	24	32	mukerji	mukerji	NOUN
ajis02-2809	24	33	&	&	CCONJ
ajis02-2809	24	34	roy	roy	PROPN
ajis02-2809	24	35	,	,	PUNCT
ajis02-2809	24	36	2019	2019	NUM
ajis02-2809	24	37	)	)	PUNCT
ajis02-2809	24	38	.	.	PUNCT
ajis02-2809	25	1	nevertheless	nevertheless	ADV
ajis02-2809	25	2	,	,	PUNCT
ajis02-2809	25	3	not	not	PART
ajis02-2809	25	4	all	all	DET
ajis02-2809	25	5	developing	develop	VERB
ajis02-2809	25	6	countries	country	NOUN
ajis02-2809	25	7	have	have	AUX
ajis02-2809	25	8	successfully	successfully	ADV
ajis02-2809	25	9	implemented	implement	VERB
ajis02-2809	25	10	mobile	mobile	ADJ
ajis02-2809	25	11	payment	payment	NOUN
ajis02-2809	25	12	solutions	solution	NOUN
ajis02-2809	25	13	(	(	PUNCT
ajis02-2809	25	14	panhwer	panhwer	NOUN
ajis02-2809	25	15	,	,	PUNCT
ajis02-2809	25	16	pitafi	pitafi	PROPN
ajis02-2809	25	17	,	,	PUNCT
ajis02-2809	25	18	memon	memon	PROPN
ajis02-2809	25	19	,	,	PUNCT
ajis02-2809	25	20	&	&	CCONJ
ajis02-2809	25	21	memon	memon	PROPN
ajis02-2809	25	22	,	,	PUNCT
ajis02-2809	25	23	2020	2020	NUM
ajis02-2809	25	24	)	)	PUNCT
ajis02-2809	25	25	,	,	PUNCT
ajis02-2809	25	26	subject	subject	ADJ
ajis02-2809	25	27	to	to	ADP
ajis02-2809	25	28	the	the	DET
ajis02-2809	25	29	country	country	NOUN
ajis02-2809	25	30	-	-	PUNCT
ajis02-2809	25	31	level	level	NOUN
ajis02-2809	25	32	idiosyncratic	idiosyncratic	ADJ
ajis02-2809	25	33	risk	risk	NOUN
ajis02-2809	25	34	and	and	CCONJ
ajis02-2809	25	35	volatility	volatility	NOUN
ajis02-2809	25	36	.	.	PUNCT
ajis02-2809	26	1	also	also	ADV
ajis02-2809	26	2	,	,	PUNCT
ajis02-2809	26	3	unlike	unlike	ADP
ajis02-2809	26	4	the	the	DET
ajis02-2809	26	5	developed	develop	VERB
ajis02-2809	26	6	counterparts	counterpart	NOUN
ajis02-2809	26	7	,	,	PUNCT
ajis02-2809	26	8	developing	develop	VERB
ajis02-2809	26	9	countries	country	NOUN
ajis02-2809	26	10	tend	tend	VERB
ajis02-2809	26	11	to	to	PART
ajis02-2809	26	12	have	have	VERB
ajis02-2809	26	13	different	different	ADJ
ajis02-2809	26	14	development	development	NOUN
ajis02-2809	26	15	stages	stage	NOUN
ajis02-2809	26	16	(	(	PUNCT
ajis02-2809	26	17	liew	liew	NOUN
ajis02-2809	26	18	,	,	PUNCT
ajis02-2809	26	19	vaithilingam	vaithilingam	ADV
ajis02-2809	26	20	,	,	PUNCT
ajis02-2809	26	21	&	&	CCONJ
ajis02-2809	26	22	nair	nair	PROPN
ajis02-2809	26	23	,	,	PUNCT
ajis02-2809	26	24	2014	2014	NUM
ajis02-2809	26	25	;	;	PUNCT
ajis02-2809	26	26	mukerji	mukerji	PROPN
ajis02-2809	26	27	&	&	CCONJ
ajis02-2809	26	28	roy	roy	PROPN
ajis02-2809	26	29	,	,	PUNCT
ajis02-2809	26	30	2019	2019	NUM
ajis02-2809	26	31	;	;	PUNCT
ajis02-2809	26	32	sharma	sharma	PROPN
ajis02-2809	26	33	&	&	CCONJ
ajis02-2809	26	34	gupta	gupta	PROPN
ajis02-2809	26	35	,	,	PUNCT
ajis02-2809	26	36	2009	2009	NUM
ajis02-2809	26	37	)	)	PUNCT
ajis02-2809	26	38	that	that	PRON
ajis02-2809	26	39	might	might	AUX
ajis02-2809	26	40	affect	affect	VERB
ajis02-2809	26	41	consumer	consumer	NOUN
ajis02-2809	26	42	perception	perception	NOUN
ajis02-2809	26	43	and	and	CCONJ
ajis02-2809	26	44	intention	intention	NOUN
ajis02-2809	26	45	to	to	PART
ajis02-2809	26	46	adopt	adopt	VERB
ajis02-2809	26	47	mobile	mobile	ADJ
ajis02-2809	26	48	payment	payment	NOUN
ajis02-2809	26	49	differently	differently	ADV
ajis02-2809	26	50	.	.	PUNCT
ajis02-2809	27	1	moreover	moreover	ADV
ajis02-2809	27	2	,	,	PUNCT
ajis02-2809	27	3	the	the	DET
ajis02-2809	27	4	regulatory	regulatory	ADJ
ajis02-2809	27	5	environment	environment	NOUN
ajis02-2809	27	6	is	be	AUX
ajis02-2809	27	7	an	an	DET
ajis02-2809	27	8	essential	essential	ADJ
ajis02-2809	27	9	aspect	aspect	NOUN
ajis02-2809	27	10	of	of	ADP
ajis02-2809	27	11	mobile	mobile	ADJ
ajis02-2809	27	12	payment	payment	NOUN
ajis02-2809	27	13	adoption	adoption	NOUN
ajis02-2809	27	14	that	that	PRON
ajis02-2809	27	15	calls	call	VERB
ajis02-2809	27	16	for	for	ADP
ajis02-2809	27	17	attention	attention	NOUN
ajis02-2809	27	18	,	,	PUNCT
ajis02-2809	27	19	particularly	particularly	ADV
ajis02-2809	27	20	among	among	ADP
ajis02-2809	27	21	the	the	DET
ajis02-2809	27	22	developing	develop	VERB
ajis02-2809	27	23	countries	country	NOUN
ajis02-2809	27	24	.	.	PUNCT
ajis02-2809	28	1	the	the	DET
ajis02-2809	28	2	unesco	unesco	PROPN
ajis02-2809	28	3	(	(	PUNCT
ajis02-2809	28	4	zelezny	zelezny	NOUN
ajis02-2809	28	5	-	-	PUNCT
ajis02-2809	28	6	green	green	ADJ
ajis02-2809	28	7	,	,	PUNCT
ajis02-2809	28	8	voslon	voslon	PROPN
ajis02-2809	28	9	,	,	PUNCT
ajis02-2809	28	10	&	&	CCONJ
ajis02-2809	28	11	conole	conole	NOUN
ajis02-2809	28	12	,	,	PUNCT
ajis02-2809	28	13	2018	2018	NUM
ajis02-2809	28	14	)	)	PUNCT
ajis02-2809	28	15	reported	report	VERB
ajis02-2809	28	16	that	that	SCONJ
ajis02-2809	28	17	developing	develop	VERB
ajis02-2809	28	18	countries	country	NOUN
ajis02-2809	28	19	face	face	VERB
ajis02-2809	28	20	four	four	NUM
ajis02-2809	28	21	major	major	ADJ
ajis02-2809	28	22	barriers	barrier	NOUN
ajis02-2809	28	23	to	to	ADP
ajis02-2809	28	24	increasing	increase	VERB
ajis02-2809	28	25	digital	digital	ADJ
ajis02-2809	28	26	inclusion	inclusion	NOUN
ajis02-2809	28	27	due	due	ADP
ajis02-2809	28	28	to	to	ADP
ajis02-2809	28	29	lack	lack	NOUN
ajis02-2809	28	30	of	of	ADP
ajis02-2809	28	31	infrastructure	infrastructure	NOUN
ajis02-2809	28	32	,	,	PUNCT
ajis02-2809	28	33	affordability	affordability	NOUN
ajis02-2809	28	34	,	,	PUNCT
ajis02-2809	28	35	user	user	NOUN
ajis02-2809	28	36	capabilities	capability	NOUN
ajis02-2809	28	37	,	,	PUNCT
ajis02-2809	28	38	and	and	CCONJ
ajis02-2809	28	39	incentives	incentive	NOUN
ajis02-2809	28	40	(	(	PUNCT
ajis02-2809	28	41	schmida	schmida	PROPN
ajis02-2809	28	42	,	,	PUNCT
ajis02-2809	28	43	bernard	bernard	PROPN
ajis02-2809	28	44	,	,	PUNCT
ajis02-2809	28	45	zakaras	zakaras	PROPN
ajis02-2809	28	46	,	,	PUNCT
ajis02-2809	28	47	lovegrove	lovegrove	PROPN
ajis02-2809	28	48	,	,	PUNCT
ajis02-2809	28	49	&	&	CCONJ
ajis02-2809	28	50	swingle	swingle	PROPN
ajis02-2809	28	51	,	,	PUNCT
ajis02-2809	28	52	2017	2017	NUM
ajis02-2809	28	53	)	)	PUNCT
ajis02-2809	28	54	.	.	PUNCT
ajis02-2809	29	1	these	these	DET
ajis02-2809	29	2	barriers	barrier	NOUN
ajis02-2809	29	3	cause	cause	VERB
ajis02-2809	29	4	consumers	consumer	NOUN
ajis02-2809	29	5	to	to	PART
ajis02-2809	29	6	be	be	AUX
ajis02-2809	29	7	sceptical	sceptical	ADJ
ajis02-2809	29	8	about	about	ADP
ajis02-2809	29	9	using	use	VERB
ajis02-2809	29	10	“	"	PUNCT
ajis02-2809	29	11	online	online	ADJ
ajis02-2809	29	12	money	money	NOUN
ajis02-2809	29	13	”	"	PUNCT
ajis02-2809	29	14	and	and	CCONJ
ajis02-2809	29	15	affect	affect	VERB
ajis02-2809	29	16	their	their	PRON
ajis02-2809	29	17	interest	interest	NOUN
ajis02-2809	29	18	in	in	ADP
ajis02-2809	29	19	adopting	adopt	VERB
ajis02-2809	29	20	mobile	mobile	ADJ
ajis02-2809	29	21	payment	payment	NOUN
ajis02-2809	29	22	into	into	ADP
ajis02-2809	29	23	their	their	PRON
ajis02-2809	29	24	daily	daily	ADJ
ajis02-2809	29	25	lifestyle	lifestyle	NOUN
ajis02-2809	29	26	.	.	PUNCT
ajis02-2809	30	1	perceived	perceive	VERB
ajis02-2809	30	2	security	security	NOUN
ajis02-2809	30	3	refers	refer	VERB
ajis02-2809	30	4	to	to	ADP
ajis02-2809	30	5	the	the	DET
ajis02-2809	30	6	degree	degree	NOUN
ajis02-2809	30	7	to	to	PART
ajis02-2809	30	8	which	which	PRON
ajis02-2809	30	9	consumers	consumer	NOUN
ajis02-2809	30	10	believe	believe	VERB
ajis02-2809	30	11	that	that	SCONJ
ajis02-2809	30	12	using	use	VERB
ajis02-2809	30	13	mobile	mobile	ADJ
ajis02-2809	30	14	payment	payment	NOUN
ajis02-2809	30	15	procedures	procedure	NOUN
ajis02-2809	30	16	will	will	AUX
ajis02-2809	30	17	be	be	AUX
ajis02-2809	30	18	secure	secure	ADJ
ajis02-2809	30	19	(	(	PUNCT
ajis02-2809	30	20	lai	lai	NOUN
ajis02-2809	30	21	,	,	PUNCT
ajis02-2809	30	22	2017	2017	NUM
ajis02-2809	30	23	)	)	PUNCT
ajis02-2809	30	24	.	.	PUNCT
ajis02-2809	31	1	mobile	mobile	ADJ
ajis02-2809	31	2	payment	payment	NOUN
ajis02-2809	31	3	consumers	consumer	NOUN
ajis02-2809	31	4	should	should	AUX
ajis02-2809	31	5	feel	feel	VERB
ajis02-2809	31	6	certain	certain	ADJ
ajis02-2809	31	7	and	and	CCONJ
ajis02-2809	31	8	unthreatened	unthreatened	ADJ
ajis02-2809	31	9	that	that	SCONJ
ajis02-2809	31	10	their	their	PRON
ajis02-2809	31	11	personal	personal	ADJ
ajis02-2809	31	12	and	and	CCONJ
ajis02-2809	31	13	bank	bank	NOUN
ajis02-2809	31	14	information	information	NOUN
ajis02-2809	31	15	provided	provide	VERB
ajis02-2809	31	16	for	for	ADP
ajis02-2809	31	17	the	the	DET
ajis02-2809	31	18	transaction	transaction	NOUN
ajis02-2809	31	19	remains	remain	VERB
ajis02-2809	31	20	safe	safe	ADJ
ajis02-2809	31	21	(	(	PUNCT
ajis02-2809	31	22	de	de	X
ajis02-2809	31	23	kerviler	kerviler	NOUN
ajis02-2809	31	24	et	et	PROPN
ajis02-2809	31	25	al	al	PROPN
ajis02-2809	31	26	.	.	PROPN
ajis02-2809	31	27	,	,	PUNCT
ajis02-2809	31	28	2016	2016	NUM
ajis02-2809	31	29	;	;	PUNCT
ajis02-2809	31	30	kumar	kumar	PROPN
ajis02-2809	31	31	et	et	PROPN
ajis02-2809	31	32	al	al	PROPN
ajis02-2809	31	33	.	.	PROPN
ajis02-2809	31	34	,	,	PUNCT
ajis02-2809	31	35	2020	2020	NUM
ajis02-2809	31	36	;	;	PUNCT
ajis02-2809	31	37	lai	lai	PROPN
ajis02-2809	31	38	,	,	PUNCT
ajis02-2809	31	39	2017	2017	NUM
ajis02-2809	31	40	)	)	PUNCT
ajis02-2809	31	41	.	.	PUNCT
ajis02-2809	32	1	there	there	PRON
ajis02-2809	32	2	has	have	AUX
ajis02-2809	32	3	been	be	AUX
ajis02-2809	32	4	a	a	DET
ajis02-2809	32	5	growing	grow	VERB
ajis02-2809	32	6	literature	literature	NOUN
ajis02-2809	32	7	on	on	ADP
ajis02-2809	32	8	mobile	mobile	ADJ
ajis02-2809	32	9	payment	payment	NOUN
ajis02-2809	32	10	(	(	PUNCT
ajis02-2809	32	11	chen	chen	PROPN
ajis02-2809	32	12	&	&	CCONJ
ajis02-2809	32	13	li	li	PROPN
ajis02-2809	32	14	,	,	PUNCT
ajis02-2809	32	15	2017	2017	NUM
ajis02-2809	32	16	;	;	PUNCT
ajis02-2809	33	1	de	de	X
ajis02-2809	33	2	kerviler	kerviler	NOUN
ajis02-2809	33	3	et	et	PROPN
ajis02-2809	33	4	al	al	PROPN
ajis02-2809	33	5	.	.	PROPN
ajis02-2809	33	6	,	,	PUNCT
ajis02-2809	33	7	2016	2016	NUM
ajis02-2809	33	8	;	;	PUNCT
ajis02-2809	33	9	miao	miao	PROPN
ajis02-2809	33	10	&	&	CCONJ
ajis02-2809	33	11	jayakar	jayakar	PROPN
ajis02-2809	33	12	,	,	PUNCT
ajis02-2809	33	13	2016	2016	NUM
ajis02-2809	33	14	;	;	PUNCT
ajis02-2809	33	15	o’reilly	o’reilly	ADV
ajis02-2809	33	16	,	,	PUNCT
ajis02-2809	33	17	duane	duane	PROPN
ajis02-2809	33	18	,	,	PUNCT
ajis02-2809	33	19	&	&	CCONJ
ajis02-2809	33	20	andreev	andreev	PROPN
ajis02-2809	33	21	,	,	PUNCT
ajis02-2809	33	22	2012	2012	NUM
ajis02-2809	33	23	;	;	PUNCT
ajis02-2809	33	24	wu	wu	PROPN
ajis02-2809	33	25	,	,	PUNCT
ajis02-2809	33	26	liu	liu	PROPN
ajis02-2809	33	27	,	,	PUNCT
ajis02-2809	33	28	&	&	CCONJ
ajis02-2809	33	29	huang	huang	PROPN
ajis02-2809	33	30	,	,	PUNCT
ajis02-2809	33	31	2017	2017	NUM
ajis02-2809	33	32	;	;	PUNCT
ajis02-2809	33	33	xin	xin	PROPN
ajis02-2809	33	34	,	,	PUNCT
ajis02-2809	33	35	techatassanasoontorn	techatassanasoontorn	ADJ
ajis02-2809	33	36	,	,	PUNCT
ajis02-2809	33	37	&	&	CCONJ
ajis02-2809	33	38	tan	tan	PROPN
ajis02-2809	33	39	,	,	PUNCT
ajis02-2809	33	40	2015	2015	NUM
ajis02-2809	33	41	)	)	PUNCT
ajis02-2809	33	42	.	.	PUNCT
ajis02-2809	34	1	meta	meta	ADJ
ajis02-2809	34	2	-	-	PUNCT
ajis02-2809	34	3	analysis	analysis	NOUN
ajis02-2809	34	4	results	result	NOUN
ajis02-2809	34	5	from	from	ADP
ajis02-2809	34	6	sixty	sixty	NUM
ajis02-2809	34	7	-	-	PUNCT
ajis02-2809	34	8	one	one	NUM
ajis02-2809	34	9	information	information	NOUN
ajis02-2809	34	10	systems	system	NOUN
ajis02-2809	34	11	(	(	PUNCT
ajis02-2809	34	12	is	be	AUX
ajis02-2809	34	13	)	)	PUNCT
ajis02-2809	34	14	studies	study	NOUN
ajis02-2809	34	15	highlighted	highlight	VERB
ajis02-2809	34	16	the	the	DET
ajis02-2809	34	17	importance	importance	NOUN
ajis02-2809	34	18	of	of	ADP
ajis02-2809	34	19	usage	usage	NOUN
ajis02-2809	34	20	intention	intention	NOUN
ajis02-2809	34	21	and	and	CCONJ
ajis02-2809	34	22	ascertained	ascertain	VERB
ajis02-2809	34	23	that	that	SCONJ
ajis02-2809	34	24	perceived	perceive	VERB
ajis02-2809	34	25	australasian	australasian	ADJ
ajis02-2809	34	26	journal	journal	NOUN
ajis02-2809	34	27	of	of	ADP
ajis02-2809	34	28	information	information	NOUN
ajis02-2809	34	29	systems	systems	PROPN
ajis02-2809	34	30	lai	lai	PROPN
ajis02-2809	34	31	&	&	CCONJ
ajis02-2809	34	32	liew	liew	PROPN
ajis02-2809	34	33	2021	2021	NUM
ajis02-2809	34	34	,	,	PUNCT
ajis02-2809	34	35	vol	vol	NOUN
ajis02-2809	34	36	25	25	NUM
ajis02-2809	34	37	,	,	PUNCT
ajis02-2809	34	38	research	research	NOUN
ajis02-2809	34	39	article	article	NOUN
ajis02-2809	34	40	towards	towards	ADP
ajis02-2809	34	41	a	a	DET
ajis02-2809	34	42	cashless	cashless	NOUN
ajis02-2809	34	43	society	society	NOUN
ajis02-2809	34	44	3	3	NUM
ajis02-2809	34	45	usefulness	usefulness	NOUN
ajis02-2809	34	46	and	and	CCONJ
ajis02-2809	34	47	perceived	perceive	VERB
ajis02-2809	34	48	ease	ease	NOUN
ajis02-2809	34	49	of	of	ADP
ajis02-2809	34	50	use	use	NOUN
ajis02-2809	34	51	are	be	AUX
ajis02-2809	34	52	among	among	ADP
ajis02-2809	34	53	the	the	DET
ajis02-2809	34	54	top	top	ADJ
ajis02-2809	34	55	contributing	contribute	VERB
ajis02-2809	34	56	factors	factor	NOUN
ajis02-2809	34	57	to	to	ADP
ajis02-2809	34	58	mobile	mobile	ADJ
ajis02-2809	34	59	payment	payment	NOUN
ajis02-2809	34	60	system	system	NOUN
ajis02-2809	34	61	adoption	adoption	NOUN
ajis02-2809	34	62	(	(	PUNCT
ajis02-2809	34	63	liu	liu	PROPN
ajis02-2809	34	64	et	et	PROPN
ajis02-2809	34	65	al	al	PROPN
ajis02-2809	34	66	.	.	PROPN
ajis02-2809	34	67	,	,	PUNCT
ajis02-2809	34	68	2019	2019	NUM
ajis02-2809	34	69	)	)	PUNCT
ajis02-2809	34	70	.	.	PUNCT
ajis02-2809	35	1	most	most	ADJ
ajis02-2809	35	2	previous	previous	ADJ
ajis02-2809	35	3	studies	study	NOUN
ajis02-2809	35	4	have	have	AUX
ajis02-2809	35	5	employed	employ	VERB
ajis02-2809	35	6	dominant	dominant	ADJ
ajis02-2809	35	7	theoretical	theoretical	ADJ
ajis02-2809	35	8	approaches	approach	NOUN
ajis02-2809	35	9	to	to	PART
ajis02-2809	35	10	investigate	investigate	VERB
ajis02-2809	35	11	mobile	mobile	ADJ
ajis02-2809	35	12	payment	payment	NOUN
ajis02-2809	35	13	(	(	PUNCT
ajis02-2809	35	14	liu	liu	PROPN
ajis02-2809	35	15	et	et	PROPN
ajis02-2809	35	16	al	al	PROPN
ajis02-2809	35	17	.	.	PROPN
ajis02-2809	35	18	,	,	PUNCT
ajis02-2809	35	19	2019	2019	NUM
ajis02-2809	35	20	)	)	PUNCT
ajis02-2809	35	21	such	such	ADJ
ajis02-2809	35	22	as	as	ADP
ajis02-2809	35	23	the	the	DET
ajis02-2809	35	24	technology	technology	NOUN
ajis02-2809	35	25	acceptance	acceptance	NOUN
ajis02-2809	35	26	model	model	NOUN
ajis02-2809	35	27	(	(	PUNCT
ajis02-2809	35	28	tam	tam	PROPN
ajis02-2809	35	29	)	)	PUNCT
ajis02-2809	35	30	(	(	PUNCT
ajis02-2809	35	31	davis	davis	PROPN
ajis02-2809	35	32	,	,	PUNCT
ajis02-2809	35	33	1989	1989	NUM
ajis02-2809	35	34	;	;	PUNCT
ajis02-2809	35	35	venkatesh	venkatesh	PROPN
ajis02-2809	35	36	&	&	CCONJ
ajis02-2809	35	37	davis	davis	PROPN
ajis02-2809	35	38	,	,	PUNCT
ajis02-2809	35	39	2000	2000	NUM
ajis02-2809	35	40	)	)	PUNCT
ajis02-2809	35	41	,	,	PUNCT
ajis02-2809	35	42	the	the	DET
ajis02-2809	35	43	theory	theory	NOUN
ajis02-2809	35	44	of	of	ADP
ajis02-2809	35	45	planned	plan	VERB
ajis02-2809	35	46	behavior	behavior	NOUN
ajis02-2809	35	47	(	(	PUNCT
ajis02-2809	35	48	tpb	tpb	NOUN
ajis02-2809	35	49	)	)	PUNCT
ajis02-2809	35	50	(	(	PUNCT
ajis02-2809	35	51	taylor	taylor	PROPN
ajis02-2809	35	52	&	&	CCONJ
ajis02-2809	35	53	todd	todd	PROPN
ajis02-2809	35	54	,	,	PUNCT
ajis02-2809	35	55	1995	1995	NUM
ajis02-2809	35	56	)	)	PUNCT
ajis02-2809	35	57	,	,	PUNCT
ajis02-2809	35	58	or	or	CCONJ
ajis02-2809	35	59	unified	unified	ADJ
ajis02-2809	35	60	theory	theory	NOUN
ajis02-2809	35	61	of	of	ADP
ajis02-2809	35	62	acceptance	acceptance	NOUN
ajis02-2809	35	63	and	and	CCONJ
ajis02-2809	35	64	use	use	NOUN
ajis02-2809	35	65	of	of	ADP
ajis02-2809	35	66	technology	technology	NOUN
ajis02-2809	35	67	(	(	PUNCT
ajis02-2809	35	68	utaut	utaut	NOUN
ajis02-2809	35	69	)	)	PUNCT
ajis02-2809	35	70	(	(	PUNCT
ajis02-2809	35	71	venkatesh	venkatesh	PROPN
ajis02-2809	35	72	,	,	PUNCT
ajis02-2809	35	73	morris	morris	PROPN
ajis02-2809	35	74	,	,	PUNCT
ajis02-2809	35	75	gordon	gordon	PROPN
ajis02-2809	35	76	,	,	PUNCT
ajis02-2809	35	77	&	&	CCONJ
ajis02-2809	35	78	davis	davis	PROPN
ajis02-2809	35	79	,	,	PUNCT
ajis02-2809	35	80	2003	2003	NUM
ajis02-2809	35	81	)	)	PUNCT
ajis02-2809	35	82	.	.	PUNCT
ajis02-2809	36	1	apart	apart	ADV
ajis02-2809	36	2	from	from	ADP
ajis02-2809	36	3	the	the	DET
ajis02-2809	36	4	above	above	ADJ
ajis02-2809	36	5	well	well	ADV
ajis02-2809	36	6	-	-	PUNCT
ajis02-2809	36	7	worn	wear	VERB
ajis02-2809	36	8	theoretical	theoretical	ADJ
ajis02-2809	36	9	frameworks	framework	NOUN
ajis02-2809	36	10	,	,	PUNCT
ajis02-2809	36	11	there	there	PRON
ajis02-2809	36	12	is	be	VERB
ajis02-2809	36	13	an	an	DET
ajis02-2809	36	14	increasing	increase	VERB
ajis02-2809	36	15	need	need	NOUN
ajis02-2809	36	16	for	for	ADP
ajis02-2809	36	17	incorporating	incorporate	VERB
ajis02-2809	36	18	consumer	consumer	NOUN
ajis02-2809	36	19	-	-	PUNCT
ajis02-2809	36	20	centric	centric	NOUN
ajis02-2809	36	21	measures	measure	NOUN
ajis02-2809	36	22	(	(	PUNCT
ajis02-2809	36	23	pwc	pwc	NOUN
ajis02-2809	36	24	,	,	PUNCT
ajis02-2809	36	25	2019	2019	NUM
ajis02-2809	36	26	)	)	PUNCT
ajis02-2809	36	27	such	such	ADJ
ajis02-2809	36	28	as	as	ADP
ajis02-2809	36	29	perceived	perceive	VERB
ajis02-2809	36	30	value	value	NOUN
ajis02-2809	36	31	in	in	ADP
ajis02-2809	36	32	terms	term	NOUN
ajis02-2809	36	33	of	of	ADP
ajis02-2809	36	34	benefits	benefit	NOUN
ajis02-2809	36	35	and	and	CCONJ
ajis02-2809	36	36	risks	risk	NOUN
ajis02-2809	36	37	associated	associate	VERB
ajis02-2809	36	38	with	with	ADP
ajis02-2809	36	39	mobile	mobile	ADJ
ajis02-2809	36	40	payment	payment	NOUN
ajis02-2809	36	41	(	(	PUNCT
ajis02-2809	36	42	de	de	X
ajis02-2809	36	43	kerviler	kerviler	NOUN
ajis02-2809	36	44	et	et	PROPN
ajis02-2809	36	45	al	al	PROPN
ajis02-2809	36	46	.	.	PROPN
ajis02-2809	36	47	,	,	PUNCT
ajis02-2809	36	48	2016	2016	NUM
ajis02-2809	36	49	)	)	PUNCT
ajis02-2809	36	50	.	.	PUNCT
ajis02-2809	37	1	perceptions	perception	NOUN
ajis02-2809	37	2	of	of	ADP
ajis02-2809	37	3	benefit	benefit	NOUN
ajis02-2809	37	4	and	and	CCONJ
ajis02-2809	37	5	risk	risk	NOUN
ajis02-2809	37	6	are	be	AUX
ajis02-2809	37	7	inversely	inversely	ADV
ajis02-2809	37	8	related	relate	VERB
ajis02-2809	37	9	and	and	CCONJ
ajis02-2809	37	10	psychologically	psychologically	ADV
ajis02-2809	37	11	linked	link	VERB
ajis02-2809	37	12	to	to	ADP
ajis02-2809	37	13	consumers	consumer	NOUN
ajis02-2809	37	14	’	’	PART
ajis02-2809	37	15	overall	overall	ADJ
ajis02-2809	37	16	affective	affective	ADJ
ajis02-2809	37	17	evaluation	evaluation	NOUN
ajis02-2809	37	18	of	of	ADP
ajis02-2809	37	19	activity	activity	NOUN
ajis02-2809	37	20	or	or	CCONJ
ajis02-2809	37	21	technology	technology	NOUN
ajis02-2809	37	22	(	(	PUNCT
ajis02-2809	37	23	alhakami	alhakami	PROPN
ajis02-2809	37	24	&	&	CCONJ
ajis02-2809	37	25	slovic	slovic	PROPN
ajis02-2809	37	26	,	,	PUNCT
ajis02-2809	37	27	1994	1994	NUM
ajis02-2809	37	28	)	)	PUNCT
ajis02-2809	37	29	.	.	PUNCT
ajis02-2809	38	1	value	value	NOUN
ajis02-2809	38	2	perceptions	perception	NOUN
ajis02-2809	38	3	are	be	AUX
ajis02-2809	38	4	crucial	crucial	ADJ
ajis02-2809	38	5	for	for	ADP
ajis02-2809	38	6	success	success	NOUN
ajis02-2809	38	7	in	in	ADP
ajis02-2809	38	8	the	the	DET
ajis02-2809	38	9	service	service	NOUN
ajis02-2809	38	10	industry	industry	NOUN
ajis02-2809	38	11	(	(	PUNCT
ajis02-2809	38	12	boksberger	boksberger	NOUN
ajis02-2809	38	13	&	&	CCONJ
ajis02-2809	38	14	melsen	melsen	PROPN
ajis02-2809	38	15	,	,	PUNCT
ajis02-2809	38	16	2011	2011	NUM
ajis02-2809	38	17	)	)	PUNCT
ajis02-2809	38	18	.	.	PUNCT
ajis02-2809	39	1	nonetheless	nonetheless	ADV
ajis02-2809	39	2	,	,	PUNCT
ajis02-2809	39	3	systematic	systematic	ADJ
ajis02-2809	39	4	literature	literature	NOUN
ajis02-2809	39	5	reviews	review	NOUN
ajis02-2809	39	6	have	have	AUX
ajis02-2809	39	7	revealed	reveal	VERB
ajis02-2809	39	8	a	a	DET
ajis02-2809	39	9	lack	lack	NOUN
ajis02-2809	39	10	of	of	ADP
ajis02-2809	39	11	focus	focus	NOUN
ajis02-2809	39	12	on	on	ADP
ajis02-2809	39	13	the	the	DET
ajis02-2809	39	14	effects	effect	NOUN
ajis02-2809	39	15	of	of	ADP
ajis02-2809	39	16	perceived	perceive	VERB
ajis02-2809	39	17	convenience	convenience	NOUN
ajis02-2809	39	18	(	(	PUNCT
ajis02-2809	39	19	benefit	benefit	NOUN
ajis02-2809	39	20	)	)	PUNCT
ajis02-2809	39	21	and	and	CCONJ
ajis02-2809	39	22	perceived	perceive	VERB
ajis02-2809	39	23	security	security	NOUN
ajis02-2809	39	24	(	(	PUNCT
ajis02-2809	39	25	cost	cost	NOUN
ajis02-2809	39	26	of	of	ADP
ajis02-2809	39	27	sacrifice	sacrifice	NOUN
ajis02-2809	39	28	)	)	PUNCT
ajis02-2809	39	29	on	on	ADP
ajis02-2809	39	30	user	user	NOUN
ajis02-2809	39	31	intention	intention	NOUN
ajis02-2809	39	32	to	to	PART
ajis02-2809	39	33	adopt	adopt	VERB
ajis02-2809	39	34	mobile	mobile	ADJ
ajis02-2809	39	35	payment	payment	NOUN
ajis02-2809	39	36	(	(	PUNCT
ajis02-2809	39	37	liu	liu	PROPN
ajis02-2809	39	38	et	et	PROPN
ajis02-2809	39	39	al	al	PROPN
ajis02-2809	39	40	.	.	PROPN
ajis02-2809	39	41	,	,	PUNCT
ajis02-2809	39	42	2019	2019	NUM
ajis02-2809	39	43	;	;	PUNCT
ajis02-2809	39	44	ström	ström	NOUN
ajis02-2809	39	45	,	,	PUNCT
ajis02-2809	39	46	vendel	vendel	PROPN
ajis02-2809	39	47	,	,	PUNCT
ajis02-2809	39	48	&	&	CCONJ
ajis02-2809	39	49	bredican	bredican	PROPN
ajis02-2809	39	50	,	,	PUNCT
ajis02-2809	39	51	2014	2014	NUM
ajis02-2809	39	52	)	)	PUNCT
ajis02-2809	39	53	.	.	PUNCT
ajis02-2809	40	1	little	little	ADJ
ajis02-2809	40	2	is	be	AUX
ajis02-2809	40	3	also	also	ADV
ajis02-2809	40	4	known	know	VERB
ajis02-2809	40	5	about	about	ADP
ajis02-2809	40	6	the	the	DET
ajis02-2809	40	7	relationship	relationship	NOUN
ajis02-2809	40	8	between	between	ADP
ajis02-2809	40	9	perceived	perceive	VERB
ajis02-2809	40	10	convenience	convenience	NOUN
ajis02-2809	40	11	and	and	CCONJ
ajis02-2809	40	12	perceived	perceive	VERB
ajis02-2809	40	13	security	security	NOUN
ajis02-2809	40	14	when	when	SCONJ
ajis02-2809	40	15	incorporating	incorporate	VERB
ajis02-2809	40	16	gamification	gamification	NOUN
ajis02-2809	40	17	onto	onto	ADP
ajis02-2809	40	18	the	the	DET
ajis02-2809	40	19	mobile	mobile	ADJ
ajis02-2809	40	20	payment	payment	NOUN
ajis02-2809	40	21	platform	platform	NOUN
ajis02-2809	40	22	.	.	PUNCT
ajis02-2809	41	1	the	the	DET
ajis02-2809	41	2	motivation	motivation	NOUN
ajis02-2809	41	3	for	for	ADP
ajis02-2809	41	4	conducting	conduct	VERB
ajis02-2809	41	5	this	this	DET
ajis02-2809	41	6	study	study	NOUN
ajis02-2809	41	7	comes	come	VERB
ajis02-2809	41	8	from	from	ADP
ajis02-2809	41	9	our	our	PRON
ajis02-2809	41	10	inquiry	inquiry	NOUN
ajis02-2809	41	11	about	about	ADP
ajis02-2809	41	12	the	the	DET
ajis02-2809	41	13	potential	potential	ADJ
ajis02-2809	41	14	tradeoff	tradeoff	NOUN
ajis02-2809	41	15	between	between	ADP
ajis02-2809	41	16	convenience	convenience	NOUN
ajis02-2809	41	17	and	and	CCONJ
ajis02-2809	41	18	security	security	NOUN
ajis02-2809	41	19	concerns	concern	NOUN
ajis02-2809	41	20	perceived	perceive	VERB
ajis02-2809	41	21	by	by	ADP
ajis02-2809	41	22	individual	individual	ADJ
ajis02-2809	41	23	users	user	NOUN
ajis02-2809	41	24	interacting	interact	VERB
ajis02-2809	41	25	on	on	ADP
ajis02-2809	41	26	the	the	DET
ajis02-2809	41	27	mobile	mobile	ADJ
ajis02-2809	41	28	platforms	platform	NOUN
ajis02-2809	41	29	(	(	PUNCT
ajis02-2809	41	30	kim	kim	PROPN
ajis02-2809	41	31	,	,	PUNCT
ajis02-2809	41	32	chan	chan	PROPN
ajis02-2809	41	33	,	,	PUNCT
ajis02-2809	41	34	&	&	CCONJ
ajis02-2809	41	35	gupta	gupta	PROPN
ajis02-2809	41	36	,	,	PUNCT
ajis02-2809	41	37	2007	2007	NUM
ajis02-2809	41	38	)	)	PUNCT
ajis02-2809	41	39	.	.	PUNCT
ajis02-2809	42	1	the	the	DET
ajis02-2809	42	2	potential	potential	ADJ
ajis02-2809	42	3	trade	trade	NOUN
ajis02-2809	42	4	-	-	PUNCT
ajis02-2809	42	5	off	off	NOUN
ajis02-2809	42	6	could	could	AUX
ajis02-2809	42	7	impede	impede	VERB
ajis02-2809	42	8	the	the	DET
ajis02-2809	42	9	effectiveness	effectiveness	NOUN
ajis02-2809	42	10	of	of	ADP
ajis02-2809	42	11	gamified	gamifie	VERB
ajis02-2809	42	12	mobile	mobile	ADJ
ajis02-2809	42	13	payment	payment	NOUN
ajis02-2809	42	14	platform	platform	NOUN
ajis02-2809	42	15	adoption	adoption	NOUN
ajis02-2809	42	16	,	,	PUNCT
ajis02-2809	42	17	resulting	result	VERB
ajis02-2809	42	18	in	in	ADP
ajis02-2809	42	19	detrimental	detrimental	ADJ
ajis02-2809	42	20	effects	effect	NOUN
ajis02-2809	42	21	to	to	ADP
ajis02-2809	42	22	the	the	DET
ajis02-2809	42	23	overall	overall	ADJ
ajis02-2809	42	24	success	success	NOUN
ajis02-2809	42	25	of	of	ADP
ajis02-2809	42	26	e	e	NOUN
ajis02-2809	42	27	-	-	NOUN
ajis02-2809	42	28	commerce	commerce	NOUN
ajis02-2809	42	29	development	development	NOUN
ajis02-2809	42	30	in	in	ADP
ajis02-2809	42	31	a	a	DET
ajis02-2809	42	32	country	country	NOUN
ajis02-2809	42	33	(	(	PUNCT
ajis02-2809	42	34	cao	cao	PROPN
ajis02-2809	42	35	&	&	CCONJ
ajis02-2809	42	36	zhu	zhu	PROPN
ajis02-2809	42	37	,	,	PUNCT
ajis02-2809	42	38	2019	2019	NUM
ajis02-2809	42	39	;	;	PUNCT
ajis02-2809	42	40	chaudhry	chaudhry	NOUN
ajis02-2809	42	41	,	,	PUNCT
ajis02-2809	42	42	farash	farash	NOUN
ajis02-2809	42	43	,	,	PUNCT
ajis02-2809	42	44	naqvi	naqvi	NOUN
ajis02-2809	42	45	,	,	PUNCT
ajis02-2809	42	46	&	&	CCONJ
ajis02-2809	42	47	sher	sher	PROPN
ajis02-2809	42	48	,	,	PUNCT
ajis02-2809	42	49	2016	2016	NUM
ajis02-2809	42	50	)	)	PUNCT
ajis02-2809	42	51	.	.	PUNCT
ajis02-2809	43	1	to	to	PART
ajis02-2809	43	2	address	address	VERB
ajis02-2809	43	3	this	this	DET
ajis02-2809	43	4	gap	gap	NOUN
ajis02-2809	43	5	in	in	ADP
ajis02-2809	43	6	the	the	DET
ajis02-2809	43	7	literature	literature	NOUN
ajis02-2809	43	8	,	,	PUNCT
ajis02-2809	43	9	this	this	DET
ajis02-2809	43	10	study	study	NOUN
ajis02-2809	43	11	hopes	hope	VERB
ajis02-2809	43	12	to	to	PART
ajis02-2809	43	13	respond	respond	VERB
ajis02-2809	43	14	to	to	ADP
ajis02-2809	43	15	liu	liu	PROPN
ajis02-2809	43	16	et	et	PROPN
ajis02-2809	43	17	al	al	PROPN
ajis02-2809	43	18	.	.	PROPN
ajis02-2809	43	19	’s	’s	PART
ajis02-2809	43	20	(	(	PUNCT
ajis02-2809	43	21	2019	2019	NUM
ajis02-2809	43	22	)	)	PUNCT
ajis02-2809	43	23	call	call	VERB
ajis02-2809	43	24	for	for	ADP
ajis02-2809	43	25	considering	consider	VERB
ajis02-2809	43	26	‘	'	PUNCT
ajis02-2809	43	27	the	the	DET
ajis02-2809	43	28	place	place	NOUN
ajis02-2809	43	29	where	where	SCONJ
ajis02-2809	43	30	consumers	consumer	NOUN
ajis02-2809	43	31	live	live	VERB
ajis02-2809	43	32	’	'	PUNCT
ajis02-2809	43	33	as	as	ADP
ajis02-2809	43	34	a	a	DET
ajis02-2809	43	35	potential	potential	ADJ
ajis02-2809	43	36	factor	factor	NOUN
ajis02-2809	43	37	that	that	PRON
ajis02-2809	43	38	could	could	AUX
ajis02-2809	43	39	affect	affect	VERB
ajis02-2809	43	40	consumer	consumer	NOUN
ajis02-2809	43	41	mobile	mobile	ADJ
ajis02-2809	43	42	payment	payment	NOUN
ajis02-2809	43	43	adoption	adoption	NOUN
ajis02-2809	43	44	,	,	PUNCT
ajis02-2809	43	45	thus	thus	ADV
ajis02-2809	43	46	contextualizing	contextualize	VERB
ajis02-2809	43	47	the	the	DET
ajis02-2809	43	48	current	current	ADJ
ajis02-2809	43	49	study	study	NOUN
ajis02-2809	43	50	to	to	ADP
ajis02-2809	43	51	malaysia	malaysia	PROPN
ajis02-2809	43	52	.	.	PUNCT
ajis02-2809	44	1	drawing	draw	VERB
ajis02-2809	44	2	from	from	ADP
ajis02-2809	44	3	a	a	DET
ajis02-2809	44	4	value	value	NOUN
ajis02-2809	44	5	-	-	PUNCT
ajis02-2809	44	6	based	base	VERB
ajis02-2809	44	7	theoretical	theoretical	ADJ
ajis02-2809	44	8	approach	approach	NOUN
ajis02-2809	44	9	,	,	PUNCT
ajis02-2809	44	10	this	this	DET
ajis02-2809	44	11	study	study	NOUN
ajis02-2809	44	12	seeks	seek	VERB
ajis02-2809	44	13	to	to	PART
ajis02-2809	44	14	examine	examine	VERB
ajis02-2809	44	15	the	the	DET
ajis02-2809	44	16	effects	effect	NOUN
ajis02-2809	44	17	of	of	ADP
ajis02-2809	44	18	perceived	perceive	VERB
ajis02-2809	44	19	convenience	convenience	NOUN
ajis02-2809	44	20	and	and	CCONJ
ajis02-2809	44	21	perceived	perceive	VERB
ajis02-2809	44	22	security	security	NOUN
ajis02-2809	44	23	on	on	ADP
ajis02-2809	44	24	consumers	consumer	NOUN
ajis02-2809	44	25	’	'	PUNCT
ajis02-2809	44	26	intention	intention	NOUN
ajis02-2809	44	27	to	to	PART
ajis02-2809	44	28	use	use	VERB
ajis02-2809	44	29	a	a	DET
ajis02-2809	44	30	gamified	gamifie	VERB
ajis02-2809	44	31	mobile	mobile	ADJ
ajis02-2809	44	32	payment	payment	NOUN
ajis02-2809	44	33	platform	platform	NOUN
ajis02-2809	44	34	in	in	ADP
ajis02-2809	44	35	malaysia	malaysia	PROPN
ajis02-2809	44	36	.	.	PUNCT
ajis02-2809	45	1	part	part	NOUN
ajis02-2809	45	2	of	of	ADP
ajis02-2809	45	3	the	the	DET
ajis02-2809	45	4	novelty	novelty	NOUN
ajis02-2809	45	5	of	of	ADP
ajis02-2809	45	6	this	this	DET
ajis02-2809	45	7	study	study	NOUN
ajis02-2809	45	8	is	be	AUX
ajis02-2809	45	9	the	the	DET
ajis02-2809	45	10	use	use	NOUN
ajis02-2809	45	11	of	of	ADP
ajis02-2809	45	12	blockchain	blockchain	PROPN
ajis02-2809	45	13	technology	technology	PROPN
ajis02-2809	45	14	and	and	CCONJ
ajis02-2809	45	15	the	the	DET
ajis02-2809	45	16	incorporation	incorporation	NOUN
ajis02-2809	45	17	of	of	ADP
ajis02-2809	45	18	gamification	gamification	NOUN
ajis02-2809	45	19	as	as	ADP
ajis02-2809	45	20	a	a	DET
ajis02-2809	45	21	user	user	NOUN
ajis02-2809	45	22	experience	experience	NOUN
ajis02-2809	45	23	(	(	PUNCT
ajis02-2809	45	24	ux	ux	NOUN
ajis02-2809	45	25	)	)	PUNCT
ajis02-2809	45	26	design	design	NOUN
ajis02-2809	45	27	element	element	NOUN
ajis02-2809	45	28	on	on	ADP
ajis02-2809	45	29	a	a	DET
ajis02-2809	45	30	gamified	gamifie	VERB
ajis02-2809	45	31	mobile	mobile	ADJ
ajis02-2809	45	32	payment	payment	NOUN
ajis02-2809	45	33	platform	platform	NOUN
ajis02-2809	45	34	.	.	PUNCT
ajis02-2809	46	1	we	we	PRON
ajis02-2809	46	2	also	also	ADV
ajis02-2809	46	3	explore	explore	VERB
ajis02-2809	46	4	multigroup	multigroup	ADJ
ajis02-2809	46	5	differences	difference	NOUN
ajis02-2809	46	6	based	base	VERB
ajis02-2809	46	7	on	on	ADP
ajis02-2809	46	8	user	user	NOUN
ajis02-2809	46	9	interest	interest	NOUN
ajis02-2809	46	10	for	for	ADP
ajis02-2809	46	11	mobile	mobile	ADJ
ajis02-2809	46	12	payment	payment	NOUN
ajis02-2809	46	13	adoption	adoption	NOUN
ajis02-2809	46	14	(	(	PUNCT
ajis02-2809	46	15	chauhan	chauhan	PROPN
ajis02-2809	46	16	,	,	PUNCT
ajis02-2809	46	17	mukhopadhyay	mukhopadhyay	NOUN
ajis02-2809	46	18	,	,	PUNCT
ajis02-2809	46	19	&	&	CCONJ
ajis02-2809	46	20	jaiswal	jaiswal	PROPN
ajis02-2809	46	21	,	,	PUNCT
ajis02-2809	46	22	2018	2018	NUM
ajis02-2809	46	23	;	;	PUNCT
ajis02-2809	46	24	yuniarta	yuniarta	PROPN
ajis02-2809	46	25	&	&	CCONJ
ajis02-2809	46	26	purnamawati	purnamawati	PROPN
ajis02-2809	46	27	,	,	PUNCT
ajis02-2809	46	28	2021	2021	NUM
ajis02-2809	46	29	)	)	PUNCT
ajis02-2809	46	30	.	.	PUNCT
ajis02-2809	47	1	from	from	ADP
ajis02-2809	47	2	an	an	DET
ajis02-2809	47	3	interactive	interactive	ADJ
ajis02-2809	47	4	marketing	marketing	NOUN
ajis02-2809	47	5	perspective	perspective	NOUN
ajis02-2809	47	6	,	,	PUNCT
ajis02-2809	47	7	gamification	gamification	NOUN
ajis02-2809	47	8	on	on	ADP
ajis02-2809	47	9	a	a	DET
ajis02-2809	47	10	mobile	mobile	ADJ
ajis02-2809	47	11	payment	payment	NOUN
ajis02-2809	47	12	platform	platform	NOUN
ajis02-2809	47	13	would	would	AUX
ajis02-2809	47	14	encourage	encourage	VERB
ajis02-2809	47	15	user	user	NOUN
ajis02-2809	47	16	engagement	engagement	NOUN
ajis02-2809	47	17	to	to	PART
ajis02-2809	47	18	act	act	VERB
ajis02-2809	47	19	on	on	ADP
ajis02-2809	47	20	incentives	incentive	NOUN
ajis02-2809	47	21	gained	gain	VERB
ajis02-2809	47	22	on	on	ADP
ajis02-2809	47	23	mobile	mobile	ADJ
ajis02-2809	47	24	application	application	NOUN
ajis02-2809	47	25	(	(	PUNCT
ajis02-2809	47	26	or	or	CCONJ
ajis02-2809	47	27	app	app	NOUN
ajis02-2809	47	28	)	)	PUNCT
ajis02-2809	47	29	towards	towards	ADP
ajis02-2809	47	30	making	make	VERB
ajis02-2809	47	31	the	the	DET
ajis02-2809	47	32	actual	actual	ADJ
ajis02-2809	47	33	purchase	purchase	NOUN
ajis02-2809	47	34	(	(	PUNCT
ajis02-2809	47	35	högberg	högberg	PROPN
ajis02-2809	47	36	et	et	PROPN
ajis02-2809	47	37	al	al	PROPN
ajis02-2809	47	38	.	.	PROPN
ajis02-2809	47	39	,	,	PUNCT
ajis02-2809	47	40	2019	2019	NUM
ajis02-2809	47	41	)	)	PUNCT
ajis02-2809	47	42	and	and	CCONJ
ajis02-2809	47	43	meet	meet	VERB
ajis02-2809	47	44	the	the	DET
ajis02-2809	47	45	expectations	expectation	NOUN
ajis02-2809	47	46	of	of	ADP
ajis02-2809	47	47	least	least	ADJ
ajis02-2809	47	48	digitally	digitally	ADV
ajis02-2809	47	49	-	-	PUNCT
ajis02-2809	47	50	skilled	skilled	ADJ
ajis02-2809	47	51	consumers	consumer	NOUN
ajis02-2809	47	52	(	(	PUNCT
ajis02-2809	47	53	colby	colby	PROPN
ajis02-2809	47	54	&	&	CCONJ
ajis02-2809	47	55	parasuraman	parasuraman	NOUN
ajis02-2809	47	56	,	,	PUNCT
ajis02-2809	47	57	2003	2003	NUM
ajis02-2809	47	58	)	)	PUNCT
ajis02-2809	47	59	.	.	PUNCT
ajis02-2809	48	1	consumers	consumer	NOUN
ajis02-2809	48	2	should	should	AUX
ajis02-2809	48	3	feel	feel	VERB
ajis02-2809	48	4	comfortable	comfortable	ADJ
ajis02-2809	48	5	and	and	CCONJ
ajis02-2809	48	6	safe	safe	ADJ
ajis02-2809	48	7	and	and	CCONJ
ajis02-2809	48	8	be	be	AUX
ajis02-2809	48	9	willing	willing	ADJ
ajis02-2809	48	10	to	to	PART
ajis02-2809	48	11	use	use	VERB
ajis02-2809	48	12	mobile	mobile	ADJ
ajis02-2809	48	13	payment	payment	NOUN
ajis02-2809	48	14	to	to	PART
ajis02-2809	48	15	conduct	conduct	VERB
ajis02-2809	48	16	transactions	transaction	NOUN
ajis02-2809	48	17	readily	readily	ADV
ajis02-2809	48	18	in	in	ADP
ajis02-2809	48	19	their	their	PRON
ajis02-2809	48	20	daily	daily	ADJ
ajis02-2809	48	21	lives	life	NOUN
ajis02-2809	48	22	.	.	PUNCT
ajis02-2809	49	1	the	the	DET
ajis02-2809	49	2	rest	rest	NOUN
ajis02-2809	49	3	of	of	ADP
ajis02-2809	49	4	the	the	DET
ajis02-2809	49	5	paper	paper	NOUN
ajis02-2809	49	6	is	be	AUX
ajis02-2809	49	7	structured	structure	VERB
ajis02-2809	49	8	as	as	SCONJ
ajis02-2809	49	9	follows	follow	VERB
ajis02-2809	49	10	.	.	PUNCT
ajis02-2809	50	1	section	section	NOUN
ajis02-2809	50	2	2	2	NUM
ajis02-2809	50	3	outlines	outline	VERB
ajis02-2809	50	4	mobile	mobile	ADJ
ajis02-2809	50	5	payment	payment	NOUN
ajis02-2809	50	6	development	development	NOUN
ajis02-2809	50	7	in	in	ADP
ajis02-2809	50	8	malaysia	malaysia	PROPN
ajis02-2809	50	9	.	.	PUNCT
ajis02-2809	51	1	software	software	NOUN
ajis02-2809	51	2	architecture	architecture	NOUN
ajis02-2809	51	3	and	and	CCONJ
ajis02-2809	51	4	design	design	NOUN
ajis02-2809	51	5	of	of	ADP
ajis02-2809	51	6	a	a	DET
ajis02-2809	51	7	gamified	gamifie	VERB
ajis02-2809	51	8	mobile	mobile	ADJ
ajis02-2809	51	9	payment	payment	NOUN
ajis02-2809	51	10	platform	platform	NOUN
ajis02-2809	51	11	are	be	AUX
ajis02-2809	51	12	outlined	outline	VERB
ajis02-2809	51	13	in	in	ADP
ajis02-2809	51	14	the	the	DET
ajis02-2809	51	15	next	next	ADJ
ajis02-2809	51	16	section	section	NOUN
ajis02-2809	51	17	.	.	PUNCT
ajis02-2809	52	1	section	section	NOUN
ajis02-2809	52	2	4	4	NUM
ajis02-2809	52	3	presents	present	VERB
ajis02-2809	52	4	a	a	DET
ajis02-2809	52	5	review	review	NOUN
ajis02-2809	52	6	of	of	ADP
ajis02-2809	52	7	relevant	relevant	ADJ
ajis02-2809	52	8	literature	literature	NOUN
ajis02-2809	52	9	and	and	CCONJ
ajis02-2809	52	10	hypotheses	hypothese	VERB
ajis02-2809	52	11	development	development	NOUN
ajis02-2809	52	12	.	.	PUNCT
ajis02-2809	53	1	the	the	DET
ajis02-2809	53	2	methodology	methodology	NOUN
ajis02-2809	53	3	and	and	CCONJ
ajis02-2809	53	4	empirical	empirical	ADJ
ajis02-2809	53	5	results	result	NOUN
ajis02-2809	53	6	are	be	AUX
ajis02-2809	53	7	presented	present	VERB
ajis02-2809	53	8	in	in	ADP
ajis02-2809	53	9	sections	section	NOUN
ajis02-2809	53	10	5	5	NUM
ajis02-2809	53	11	and	and	CCONJ
ajis02-2809	53	12	6	6	NUM
ajis02-2809	53	13	.	.	NOUN
ajis02-2809	53	14	theoretical	theoretical	ADJ
ajis02-2809	53	15	and	and	CCONJ
ajis02-2809	53	16	practical	practical	ADJ
ajis02-2809	53	17	implications	implication	NOUN
ajis02-2809	53	18	are	be	AUX
ajis02-2809	53	19	discussed	discuss	VERB
ajis02-2809	53	20	in	in	ADP
ajis02-2809	53	21	the	the	DET
ajis02-2809	53	22	following	follow	VERB
ajis02-2809	53	23	sections	section	NOUN
ajis02-2809	53	24	7	7	NUM
ajis02-2809	53	25	and	and	CCONJ
ajis02-2809	53	26	8	8	NUM
ajis02-2809	53	27	.	.	PUNCT
ajis02-2809	54	1	the	the	DET
ajis02-2809	54	2	paper	paper	NOUN
ajis02-2809	54	3	concludes	conclude	VERB
ajis02-2809	54	4	with	with	ADP
ajis02-2809	54	5	summary	summary	NOUN
ajis02-2809	54	6	remarks	remark	NOUN
ajis02-2809	54	7	,	,	PUNCT
ajis02-2809	54	8	limitations	limitation	NOUN
ajis02-2809	54	9	,	,	PUNCT
ajis02-2809	54	10	and	and	CCONJ
ajis02-2809	54	11	future	future	ADJ
ajis02-2809	54	12	research	research	NOUN
ajis02-2809	54	13	directions	direction	NOUN
ajis02-2809	54	14	.	.	PUNCT
ajis02-2809	55	1	australasian	australasian	ADJ
ajis02-2809	55	2	journal	journal	NOUN
ajis02-2809	55	3	of	of	ADP
ajis02-2809	55	4	information	information	NOUN
ajis02-2809	55	5	systems	systems	PROPN
ajis02-2809	55	6	lai	lai	PROPN
ajis02-2809	55	7	&	&	CCONJ
ajis02-2809	55	8	liew	liew	PROPN
ajis02-2809	55	9	2021	2021	NUM
ajis02-2809	55	10	,	,	PUNCT
ajis02-2809	55	11	vol	vol	NOUN
ajis02-2809	55	12	25	25	NUM
ajis02-2809	55	13	,	,	PUNCT
ajis02-2809	55	14	research	research	NOUN
ajis02-2809	55	15	article	article	NOUN
ajis02-2809	55	16	towards	towards	ADP
ajis02-2809	55	17	a	a	DET
ajis02-2809	55	18	cashless	cashless	NOUN
ajis02-2809	55	19	society	society	NOUN
ajis02-2809	55	20	4	4	NUM
ajis02-2809	55	21	2	2	NUM
ajis02-2809	55	22	mobile	mobile	NOUN
ajis02-2809	55	23	payment	payment	NOUN
ajis02-2809	55	24	development	development	NOUN
ajis02-2809	55	25	in	in	ADP
ajis02-2809	55	26	malaysia	malaysia	PROPN
ajis02-2809	55	27	in	in	ADP
ajis02-2809	55	28	malaysia	malaysia	PROPN
ajis02-2809	55	29	,	,	PUNCT
ajis02-2809	55	30	the	the	DET
ajis02-2809	55	31	government	government	NOUN
ajis02-2809	55	32	envisioned	envision	VERB
ajis02-2809	55	33	to	to	PART
ajis02-2809	55	34	build	build	VERB
ajis02-2809	55	35	a	a	DET
ajis02-2809	55	36	cashless	cashless	NOUN
ajis02-2809	55	37	society	society	NOUN
ajis02-2809	55	38	by	by	ADP
ajis02-2809	55	39	introducing	introduce	VERB
ajis02-2809	55	40	the	the	DET
ajis02-2809	55	41	interoperable	interoperable	ADJ
ajis02-2809	55	42	credit	credit	NOUN
ajis02-2809	55	43	transfer	transfer	NOUN
ajis02-2809	55	44	framework	framework	NOUN
ajis02-2809	55	45	(	(	PUNCT
ajis02-2809	55	46	ictf	ictf	ADJ
ajis02-2809	55	47	)	)	PUNCT
ajis02-2809	55	48	.	.	PUNCT
ajis02-2809	56	1	major	major	ADJ
ajis02-2809	56	2	mobile	mobile	ADJ
ajis02-2809	56	3	payment	payment	NOUN
ajis02-2809	56	4	platform	platform	NOUN
ajis02-2809	56	5	providers	provider	NOUN
ajis02-2809	56	6	under	under	ADP
ajis02-2809	56	7	the	the	DET
ajis02-2809	56	8	ictf	ictf	NOUN
ajis02-2809	56	9	would	would	AUX
ajis02-2809	56	10	eventually	eventually	ADV
ajis02-2809	56	11	operate	operate	VERB
ajis02-2809	56	12	on	on	ADP
ajis02-2809	56	13	a	a	DET
ajis02-2809	56	14	shared	share	VERB
ajis02-2809	56	15	real	real	ADJ
ajis02-2809	56	16	-	-	PUNCT
ajis02-2809	56	17	time	time	NOUN
ajis02-2809	56	18	retail	retail	ADJ
ajis02-2809	56	19	payments	payment	NOUN
ajis02-2809	56	20	platform	platform	NOUN
ajis02-2809	56	21	(	(	PUNCT
ajis02-2809	56	22	rpp	rpp	PROPN
ajis02-2809	56	23	)	)	PUNCT
ajis02-2809	56	24	(	(	PUNCT
ajis02-2809	56	25	lee	lee	PROPN
ajis02-2809	56	26	&	&	CCONJ
ajis02-2809	56	27	khaw	khaw	PROPN
ajis02-2809	56	28	,	,	PUNCT
ajis02-2809	56	29	2018	2018	NUM
ajis02-2809	56	30	)	)	PUNCT
ajis02-2809	56	31	.	.	PUNCT
ajis02-2809	57	1	the	the	DET
ajis02-2809	57	2	central	central	PROPN
ajis02-2809	57	3	bank	bank	PROPN
ajis02-2809	57	4	has	have	AUX
ajis02-2809	57	5	issued	issue	VERB
ajis02-2809	57	6	forty	forty	NUM
ajis02-2809	57	7	-	-	PUNCT
ajis02-2809	57	8	nine	nine	NUM
ajis02-2809	57	9	(	(	PUNCT
ajis02-2809	57	10	49	49	NUM
ajis02-2809	57	11	)	)	PUNCT
ajis02-2809	57	12	licenses	license	NOUN
ajis02-2809	57	13	to	to	ADP
ajis02-2809	57	14	platform	platform	NOUN
ajis02-2809	57	15	providers	provider	NOUN
ajis02-2809	57	16	generating	generate	VERB
ajis02-2809	57	17	a	a	DET
ajis02-2809	57	18	volume	volume	NOUN
ajis02-2809	57	19	of	of	ADP
ajis02-2809	57	20	2.2	2.2	NUM
ajis02-2809	57	21	million	million	NUM
ajis02-2809	57	22	mobile	mobile	ADJ
ajis02-2809	57	23	banking	banking	NOUN
ajis02-2809	57	24	transactions	transaction	NOUN
ajis02-2809	57	25	,	,	PUNCT
ajis02-2809	57	26	7.59	7.59	NUM
ajis02-2809	57	27	million	million	NUM
ajis02-2809	57	28	internet	internet	NOUN
ajis02-2809	57	29	banking	banking	NOUN
ajis02-2809	57	30	transactions	transaction	NOUN
ajis02-2809	57	31	,	,	PUNCT
ajis02-2809	57	32	and	and	CCONJ
ajis02-2809	57	33	1.92	1.92	NUM
ajis02-2809	57	34	million	million	NUM
ajis02-2809	57	35	transactions	transaction	NOUN
ajis02-2809	57	36	to	to	ADP
ajis02-2809	57	37	date	date	NOUN
ajis02-2809	57	38	(	(	PUNCT
ajis02-2809	57	39	bank	bank	NOUN
ajis02-2809	57	40	negara	negara	PROPN
ajis02-2809	57	41	malaysia	malaysia	PROPN
ajis02-2809	57	42	,	,	PUNCT
ajis02-2809	57	43	2020	2020	NUM
ajis02-2809	57	44	)	)	PUNCT
ajis02-2809	57	45	.	.	PUNCT
ajis02-2809	58	1	with	with	ADP
ajis02-2809	58	2	about	about	ADV
ajis02-2809	58	3	fifty	fifty	NUM
ajis02-2809	58	4	mobile	mobile	ADJ
ajis02-2809	58	5	payment	payment	NOUN
ajis02-2809	58	6	providers	provider	NOUN
ajis02-2809	58	7	serving	serve	VERB
ajis02-2809	58	8	32.4	32.4	NUM
ajis02-2809	58	9	million	million	NUM
ajis02-2809	58	10	user	user	NOUN
ajis02-2809	58	11	populations	population	NOUN
ajis02-2809	58	12	in	in	ADP
ajis02-2809	58	13	malaysia	malaysia	PROPN
ajis02-2809	58	14	,	,	PUNCT
ajis02-2809	58	15	these	these	DET
ajis02-2809	58	16	providers	provider	NOUN
ajis02-2809	58	17	compete	compete	VERB
ajis02-2809	58	18	for	for	ADP
ajis02-2809	58	19	competitive	competitive	ADJ
ajis02-2809	58	20	intelligence	intelligence	NOUN
ajis02-2809	58	21	to	to	PART
ajis02-2809	58	22	differentiate	differentiate	VERB
ajis02-2809	58	23	themselves	themselves	PRON
ajis02-2809	58	24	in	in	ADP
ajis02-2809	58	25	disrupting	disrupt	VERB
ajis02-2809	58	26	consumers	consumer	NOUN
ajis02-2809	58	27	’	'	PUNCT
ajis02-2809	58	28	spending	spending	NOUN
ajis02-2809	58	29	patterns	pattern	NOUN
ajis02-2809	58	30	and	and	CCONJ
ajis02-2809	58	31	payment	payment	NOUN
ajis02-2809	58	32	habits	habit	NOUN
ajis02-2809	58	33	faster	fast	ADV
ajis02-2809	58	34	than	than	ADP
ajis02-2809	58	35	their	their	PRON
ajis02-2809	58	36	competitors	competitor	NOUN
ajis02-2809	58	37	(	(	PUNCT
ajis02-2809	58	38	chen	chen	PROPN
ajis02-2809	58	39	,	,	PUNCT
ajis02-2809	58	40	zhu	zhu	PROPN
ajis02-2809	58	41	,	,	PUNCT
ajis02-2809	58	42	&	&	CCONJ
ajis02-2809	58	43	xie	xie	PROPN
ajis02-2809	58	44	,	,	PUNCT
ajis02-2809	58	45	2004	2004	NUM
ajis02-2809	58	46	)	)	PUNCT
ajis02-2809	58	47	.	.	PUNCT
ajis02-2809	59	1	meanwhile	meanwhile	ADV
ajis02-2809	59	2	,	,	PUNCT
ajis02-2809	59	3	the	the	DET
ajis02-2809	59	4	global	global	ADJ
ajis02-2809	59	5	covid-19	covid-19	PROPN
ajis02-2809	59	6	pandemic	pandemic	NOUN
ajis02-2809	59	7	has	have	AUX
ajis02-2809	59	8	stirred	stir	VERB
ajis02-2809	59	9	unprecedented	unprecedented	ADJ
ajis02-2809	59	10	safety	safety	NOUN
ajis02-2809	59	11	concerns	concern	NOUN
ajis02-2809	59	12	about	about	ADP
ajis02-2809	59	13	coronavirus	coronavirus	NOUN
ajis02-2809	59	14	transmission	transmission	NOUN
ajis02-2809	59	15	via	via	ADP
ajis02-2809	59	16	cash	cash	NOUN
ajis02-2809	59	17	(	(	PUNCT
ajis02-2809	59	18	auer	auer	NOUN
ajis02-2809	59	19	,	,	PUNCT
ajis02-2809	59	20	cornelli	cornelli	NOUN
ajis02-2809	59	21	,	,	PUNCT
ajis02-2809	59	22	&	&	CCONJ
ajis02-2809	59	23	frost	frost	NOUN
ajis02-2809	59	24	,	,	PUNCT
ajis02-2809	59	25	2020	2020	NUM
ajis02-2809	59	26	)	)	PUNCT
ajis02-2809	59	27	.	.	PUNCT
ajis02-2809	60	1	world	world	PROPN
ajis02-2809	60	2	health	health	PROPN
ajis02-2809	60	3	organization	organization	NOUN
ajis02-2809	60	4	(	(	PUNCT
ajis02-2809	60	5	who	who	PRON
ajis02-2809	60	6	)	)	PUNCT
ajis02-2809	60	7	encourages	encourage	VERB
ajis02-2809	60	8	contactless	contactless	ADJ
ajis02-2809	60	9	payment	payment	NOUN
ajis02-2809	60	10	to	to	PART
ajis02-2809	60	11	prevent	prevent	VERB
ajis02-2809	60	12	the	the	DET
ajis02-2809	60	13	spread	spread	NOUN
ajis02-2809	60	14	of	of	ADP
ajis02-2809	60	15	covid-19	covid-19	PROPN
ajis02-2809	60	16	with	with	ADP
ajis02-2809	60	17	physical	physical	ADJ
ajis02-2809	60	18	cash	cash	NOUN
ajis02-2809	60	19	notes	note	NOUN
ajis02-2809	60	20	handling	handling	NOUN
ajis02-2809	60	21	(	(	PUNCT
ajis02-2809	60	22	huang	huang	PROPN
ajis02-2809	60	23	,	,	PUNCT
ajis02-2809	60	24	2020	2020	NUM
ajis02-2809	60	25	)	)	PUNCT
ajis02-2809	60	26	.	.	PUNCT
ajis02-2809	61	1	the	the	DET
ajis02-2809	61	2	malaysian	malaysian	ADJ
ajis02-2809	61	3	government	government	NOUN
ajis02-2809	61	4	has	have	AUX
ajis02-2809	61	5	urged	urge	VERB
ajis02-2809	61	6	people	people	NOUN
ajis02-2809	61	7	to	to	PART
ajis02-2809	61	8	use	use	VERB
ajis02-2809	61	9	cashless	cashless	NOUN
ajis02-2809	61	10	payment	payment	NOUN
ajis02-2809	61	11	during	during	ADP
ajis02-2809	61	12	covid-19	covid-19	PROPN
ajis02-2809	61	13	by	by	ADP
ajis02-2809	61	14	allocating	allocate	VERB
ajis02-2809	61	15	myr750	myr750	PROPN
ajis02-2809	61	16	million	million	NUM
ajis02-2809	61	17	(	(	PUNCT
ajis02-2809	61	18	usd186	usd186	PROPN
ajis02-2809	61	19	million	million	NUM
ajis02-2809	61	20	)	)	PUNCT
ajis02-2809	61	21	to	to	PART
ajis02-2809	61	22	drive	drive	VERB
ajis02-2809	61	23	mobile	mobile	ADJ
ajis02-2809	61	24	payment	payment	NOUN
ajis02-2809	61	25	adoption	adoption	NOUN
ajis02-2809	61	26	(	(	PUNCT
ajis02-2809	61	27	fong	fong	PROPN
ajis02-2809	61	28	,	,	PUNCT
ajis02-2809	61	29	2020	2020	NUM
ajis02-2809	61	30	)	)	PUNCT
ajis02-2809	61	31	and	and	CCONJ
ajis02-2809	61	32	introducing	introduce	VERB
ajis02-2809	61	33	initiatives	initiative	NOUN
ajis02-2809	61	34	such	such	ADJ
ajis02-2809	61	35	as	as	ADP
ajis02-2809	61	36	epenjana	epenjana	PROPN
ajis02-2809	61	37	e	e	PROPN
ajis02-2809	61	38	-	-	NOUN
ajis02-2809	61	39	wallet	wallet	NOUN
ajis02-2809	61	40	stimulus	stimulus	NOUN
ajis02-2809	61	41	,	,	PUNCT
ajis02-2809	61	42	shop	shop	VERB
ajis02-2809	61	43	malaysia	malaysia	PROPN
ajis02-2809	61	44	online	online	ADJ
ajis02-2809	61	45	initiative	initiative	NOUN
ajis02-2809	61	46	,	,	PUNCT
ajis02-2809	61	47	and	and	CCONJ
ajis02-2809	61	48	the	the	DET
ajis02-2809	61	49	micro	micro	NOUN
ajis02-2809	61	50	,	,	PUNCT
ajis02-2809	61	51	small	small	ADJ
ajis02-2809	61	52	and	and	CCONJ
ajis02-2809	61	53	medium	medium	ADJ
ajis02-2809	61	54	enterprises	enterprise	NOUN
ajis02-2809	61	55	(	(	PUNCT
ajis02-2809	61	56	msme	msme	NOUN
ajis02-2809	61	57	)	)	PUNCT
ajis02-2809	61	58	e	e	NOUN
ajis02-2809	61	59	-	-	NOUN
ajis02-2809	61	60	commerce	commerce	NOUN
ajis02-2809	61	61	campaign	campaign	NOUN
ajis02-2809	61	62	(	(	PUNCT
ajis02-2809	61	63	the	the	DET
ajis02-2809	61	64	star	star	NOUN
ajis02-2809	61	65	,	,	PUNCT
ajis02-2809	61	66	2020	2020	NUM
ajis02-2809	61	67	)	)	PUNCT
ajis02-2809	61	68	.	.	PUNCT
ajis02-2809	62	1	the	the	DET
ajis02-2809	62	2	top	top	ADJ
ajis02-2809	62	3	five	five	NUM
ajis02-2809	62	4	popular	popular	ADJ
ajis02-2809	62	5	mobile	mobile	ADJ
ajis02-2809	62	6	payment	payment	NOUN
ajis02-2809	62	7	apps	app	NOUN
ajis02-2809	62	8	that	that	PRON
ajis02-2809	62	9	have	have	AUX
ajis02-2809	62	10	recently	recently	ADV
ajis02-2809	62	11	gained	gain	VERB
ajis02-2809	62	12	traction	traction	NOUN
ajis02-2809	62	13	in	in	ADP
ajis02-2809	62	14	malaysia	malaysia	PROPN
ajis02-2809	62	15	are	be	AUX
ajis02-2809	62	16	grabpay	grabpay	NOUN
ajis02-2809	62	17	,	,	PUNCT
ajis02-2809	62	18	touch	touch	NOUN
ajis02-2809	62	19	n	n	CCONJ
ajis02-2809	62	20	’	'	PUNCT
ajis02-2809	62	21	go	go	VERB
ajis02-2809	62	22	ewallet	ewallet	NOUN
ajis02-2809	62	23	,	,	PUNCT
ajis02-2809	62	24	boostpay	boostpay	NOUN
ajis02-2809	62	25	,	,	PUNCT
ajis02-2809	62	26	fave	fave	VERB
ajis02-2809	62	27	,	,	PUNCT
ajis02-2809	62	28	and	and	CCONJ
ajis02-2809	62	29	bigpay	bigpay	AUX
ajis02-2809	62	30	based	base	VERB
ajis02-2809	62	31	on	on	ADP
ajis02-2809	62	32	a	a	DET
ajis02-2809	62	33	combined	combine	VERB
ajis02-2809	62	34	apple	apple	NOUN
ajis02-2809	62	35	and	and	CCONJ
ajis02-2809	62	36	android	android	PROPN
ajis02-2809	62	37	phone	phone	NOUN
ajis02-2809	62	38	monthly	monthly	ADJ
ajis02-2809	62	39	active	active	ADJ
ajis02-2809	62	40	users	user	NOUN
ajis02-2809	62	41	’	'	PUNCT
ajis02-2809	62	42	statistics	statistic	NOUN
ajis02-2809	62	43	(	(	PUNCT
ajis02-2809	62	44	chew	chew	VERB
ajis02-2809	62	45	,	,	PUNCT
ajis02-2809	62	46	2019	2019	NUM
ajis02-2809	62	47	)	)	PUNCT
ajis02-2809	62	48	.	.	PUNCT
ajis02-2809	63	1	increasing	increase	VERB
ajis02-2809	63	2	acceptance	acceptance	NOUN
ajis02-2809	63	3	of	of	ADP
ajis02-2809	63	4	these	these	DET
ajis02-2809	63	5	emerging	emerge	VERB
ajis02-2809	63	6	platforms	platform	NOUN
ajis02-2809	63	7	demonstrates	demonstrate	VERB
ajis02-2809	63	8	a	a	DET
ajis02-2809	63	9	certain	certain	ADJ
ajis02-2809	63	10	level	level	NOUN
ajis02-2809	63	11	of	of	ADP
ajis02-2809	63	12	technology	technology	NOUN
ajis02-2809	63	13	convergence	convergence	NOUN
ajis02-2809	63	14	in	in	ADP
ajis02-2809	63	15	the	the	DET
ajis02-2809	63	16	national	national	ADJ
ajis02-2809	63	17	digital	digital	PROPN
ajis02-2809	63	18	ecosystem	ecosystem	NOUN
ajis02-2809	63	19	that	that	PRON
ajis02-2809	63	20	would	would	AUX
ajis02-2809	63	21	afford	afford	VERB
ajis02-2809	63	22	successful	successful	ADJ
ajis02-2809	63	23	implementation	implementation	NOUN
ajis02-2809	63	24	and	and	CCONJ
ajis02-2809	63	25	commercialization	commercialization	NOUN
ajis02-2809	63	26	of	of	ADP
ajis02-2809	63	27	other	other	ADJ
ajis02-2809	63	28	similar	similar	ADJ
ajis02-2809	63	29	platforms	platform	NOUN
ajis02-2809	63	30	in	in	ADP
ajis02-2809	63	31	malaysia	malaysia	PROPN
ajis02-2809	63	32	(	(	PUNCT
ajis02-2809	63	33	lai	lai	PROPN
ajis02-2809	63	34	&	&	CCONJ
ajis02-2809	63	35	scheela	scheela	PROPN
ajis02-2809	63	36	,	,	PUNCT
ajis02-2809	63	37	2018	2018	NUM
ajis02-2809	63	38	)	)	PUNCT
ajis02-2809	63	39	.	.	PUNCT
ajis02-2809	64	1	mobile	mobile	ADJ
ajis02-2809	64	2	payment	payment	NOUN
ajis02-2809	64	3	is	be	AUX
ajis02-2809	64	4	gaining	gain	VERB
ajis02-2809	64	5	widespread	widespread	ADJ
ajis02-2809	64	6	acceptance	acceptance	NOUN
ajis02-2809	64	7	in	in	ADP
ajis02-2809	64	8	developing	develop	VERB
ajis02-2809	64	9	countries	country	NOUN
ajis02-2809	64	10	,	,	PUNCT
ajis02-2809	64	11	accounting	account	VERB
ajis02-2809	64	12	for	for	ADP
ajis02-2809	64	13	35	35	NUM
ajis02-2809	64	14	%	%	NOUN
ajis02-2809	64	15	of	of	ADP
ajis02-2809	64	16	global	global	ADJ
ajis02-2809	64	17	growth	growth	NOUN
ajis02-2809	64	18	with	with	ADP
ajis02-2809	64	19	a	a	DET
ajis02-2809	64	20	projected	project	VERB
ajis02-2809	64	21	compound	compound	NOUN
ajis02-2809	64	22	annual	annual	ADJ
ajis02-2809	64	23	growth	growth	NOUN
ajis02-2809	64	24	rate	rate	NOUN
ajis02-2809	64	25	(	(	PUNCT
ajis02-2809	64	26	cagr	cagr	NOUN
ajis02-2809	64	27	)	)	PUNCT
ajis02-2809	64	28	of	of	ADP
ajis02-2809	64	29	23.5	23.5	NUM
ajis02-2809	64	30	%	%	NOUN
ajis02-2809	64	31	(	(	PUNCT
ajis02-2809	64	32	capgemini	capgemini	NOUN
ajis02-2809	64	33	,	,	PUNCT
ajis02-2809	64	34	2019	2019	NUM
ajis02-2809	64	35	)	)	PUNCT
ajis02-2809	64	36	.	.	PUNCT
ajis02-2809	65	1	more	more	ADV
ajis02-2809	65	2	specifically	specifically	ADV
ajis02-2809	65	3	,	,	PUNCT
ajis02-2809	65	4	the	the	DET
ajis02-2809	65	5	global	global	ADJ
ajis02-2809	65	6	consumer	consumer	NOUN
ajis02-2809	65	7	insight	insight	NOUN
ajis02-2809	65	8	survey	survey	NOUN
ajis02-2809	65	9	(	(	PUNCT
ajis02-2809	65	10	pwc	pwc	NOUN
ajis02-2809	65	11	,	,	PUNCT
ajis02-2809	65	12	2019	2019	NUM
ajis02-2809	65	13	)	)	PUNCT
ajis02-2809	65	14	showed	show	VERB
ajis02-2809	65	15	that	that	SCONJ
ajis02-2809	65	16	amongst	amongst	ADP
ajis02-2809	65	17	the	the	DET
ajis02-2809	65	18	top	top	ADJ
ajis02-2809	65	19	ten	ten	NUM
ajis02-2809	65	20	are	be	AUX
ajis02-2809	65	21	developing	develop	VERB
ajis02-2809	65	22	countries	country	NOUN
ajis02-2809	65	23	in	in	ADP
ajis02-2809	65	24	southeast	southeast	PROPN
ajis02-2809	65	25	asia	asia	PROPN
ajis02-2809	65	26	,	,	PUNCT
ajis02-2809	65	27	such	such	ADJ
ajis02-2809	65	28	as	as	ADP
ajis02-2809	65	29	thailand	thailand	PROPN
ajis02-2809	65	30	,	,	PUNCT
ajis02-2809	65	31	vietnam	vietnam	PROPN
ajis02-2809	65	32	,	,	PUNCT
ajis02-2809	65	33	indonesia	indonesia	PROPN
ajis02-2809	65	34	,	,	PUNCT
ajis02-2809	65	35	philippines	philippine	NOUN
ajis02-2809	65	36	,	,	PUNCT
ajis02-2809	65	37	and	and	CCONJ
ajis02-2809	65	38	malaysia	malaysia	PROPN
ajis02-2809	65	39	.	.	PUNCT
ajis02-2809	66	1	despite	despite	SCONJ
ajis02-2809	66	2	having	have	VERB
ajis02-2809	66	3	the	the	DET
ajis02-2809	66	4	lowest	low	ADJ
ajis02-2809	66	5	mobile	mobile	ADJ
ajis02-2809	66	6	payment	payment	NOUN
ajis02-2809	66	7	adoption	adoption	NOUN
ajis02-2809	66	8	rate	rate	NOUN
ajis02-2809	66	9	amongst	amongst	ADP
ajis02-2809	66	10	all	all	PRON
ajis02-2809	66	11	,	,	PUNCT
ajis02-2809	66	12	malaysia	malaysia	PROPN
ajis02-2809	66	13	has	have	AUX
ajis02-2809	66	14	witnessed	witness	VERB
ajis02-2809	66	15	a	a	DET
ajis02-2809	66	16	promising	promising	ADJ
ajis02-2809	66	17	year	year	NOUN
ajis02-2809	66	18	-	-	PUNCT
ajis02-2809	66	19	over	over	ADP
ajis02-2809	66	20	-	-	PUNCT
ajis02-2809	66	21	year	year	NOUN
ajis02-2809	66	22	growth	growth	NOUN
ajis02-2809	66	23	of	of	ADP
ajis02-2809	66	24	17	17	NUM
ajis02-2809	66	25	%	%	NOUN
ajis02-2809	66	26	in	in	ADP
ajis02-2809	66	27	2019	2019	NUM
ajis02-2809	66	28	(	(	PUNCT
ajis02-2809	66	29	pwc	pwc	NOUN
ajis02-2809	66	30	,	,	PUNCT
ajis02-2809	66	31	2019	2019	NUM
ajis02-2809	66	32	)	)	PUNCT
ajis02-2809	66	33	.	.	PUNCT
ajis02-2809	67	1	indications	indication	NOUN
ajis02-2809	67	2	of	of	ADP
ajis02-2809	67	3	possible	possible	ADJ
ajis02-2809	67	4	consumer	consumer	NOUN
ajis02-2809	67	5	-	-	PUNCT
ajis02-2809	67	6	centric	centric	NOUN
ajis02-2809	67	7	acceptance	acceptance	NOUN
ajis02-2809	67	8	and	and	CCONJ
ajis02-2809	67	9	resistance	resistance	NOUN
ajis02-2809	67	10	provide	provide	VERB
ajis02-2809	67	11	an	an	DET
ajis02-2809	67	12	avenue	avenue	NOUN
ajis02-2809	67	13	for	for	ADP
ajis02-2809	67	14	this	this	DET
ajis02-2809	67	15	study	study	NOUN
ajis02-2809	67	16	to	to	PART
ajis02-2809	67	17	investigate	investigate	VERB
ajis02-2809	67	18	factors	factor	NOUN
ajis02-2809	67	19	that	that	PRON
ajis02-2809	67	20	encourage	encourage	VERB
ajis02-2809	67	21	or	or	CCONJ
ajis02-2809	67	22	discourage	discourage	VERB
ajis02-2809	67	23	users	user	NOUN
ajis02-2809	67	24	’	’	PART
ajis02-2809	67	25	intention	intention	NOUN
ajis02-2809	67	26	to	to	PART
ajis02-2809	67	27	use	use	VERB
ajis02-2809	67	28	mobile	mobile	ADJ
ajis02-2809	67	29	payment	payment	NOUN
ajis02-2809	67	30	in	in	ADP
ajis02-2809	67	31	malaysia	malaysia	PROPN
ajis02-2809	67	32	.	.	PUNCT
ajis02-2809	68	1	this	this	DET
ajis02-2809	68	2	study	study	NOUN
ajis02-2809	68	3	would	would	AUX
ajis02-2809	68	4	also	also	ADV
ajis02-2809	68	5	provide	provide	VERB
ajis02-2809	68	6	insights	insight	NOUN
ajis02-2809	68	7	for	for	ADP
ajis02-2809	68	8	other	other	ADJ
ajis02-2809	68	9	countries	country	NOUN
ajis02-2809	68	10	that	that	PRON
ajis02-2809	68	11	share	share	VERB
ajis02-2809	68	12	a	a	DET
ajis02-2809	68	13	similar	similar	ADJ
ajis02-2809	68	14	developmental	developmental	ADJ
ajis02-2809	68	15	trajectory	trajectory	NOUN
ajis02-2809	68	16	of	of	ADP
ajis02-2809	68	17	consumer	consumer	NOUN
ajis02-2809	68	18	perception	perception	NOUN
ajis02-2809	68	19	and	and	CCONJ
ajis02-2809	68	20	national	national	ADJ
ajis02-2809	68	21	digital	digital	ADJ
ajis02-2809	68	22	infrastructure	infrastructure	NOUN
ajis02-2809	68	23	.	.	PUNCT
ajis02-2809	69	1	3	3	NUM
ajis02-2809	69	2	software	software	NOUN
ajis02-2809	69	3	architecture	architecture	NOUN
ajis02-2809	69	4	and	and	CCONJ
ajis02-2809	69	5	design	design	NOUN
ajis02-2809	69	6	of	of	ADP
ajis02-2809	69	7	a	a	DET
ajis02-2809	69	8	gamified	gamifie	VERB
ajis02-2809	69	9	mobile	mobile	ADJ
ajis02-2809	69	10	payment	payment	NOUN
ajis02-2809	69	11	platform	platform	NOUN
ajis02-2809	69	12	this	this	DET
ajis02-2809	69	13	study	study	NOUN
ajis02-2809	69	14	focuses	focus	VERB
ajis02-2809	69	15	on	on	ADP
ajis02-2809	69	16	a	a	DET
ajis02-2809	69	17	gamified	gamifie	VERB
ajis02-2809	69	18	mobile	mobile	ADJ
ajis02-2809	69	19	payment	payment	NOUN
ajis02-2809	69	20	platform	platform	NOUN
ajis02-2809	69	21	that	that	PRON
ajis02-2809	69	22	can	can	AUX
ajis02-2809	69	23	integrate	integrate	VERB
ajis02-2809	69	24	payment	payment	NOUN
ajis02-2809	69	25	cards	card	NOUN
ajis02-2809	69	26	,	,	PUNCT
ajis02-2809	69	27	the	the	DET
ajis02-2809	69	28	internet	internet	NOUN
ajis02-2809	69	29	,	,	PUNCT
ajis02-2809	69	30	and	and	CCONJ
ajis02-2809	69	31	mobile	mobile	ADJ
ajis02-2809	69	32	applications	application	NOUN
ajis02-2809	69	33	in	in	ADP
ajis02-2809	69	34	one	one	NUM
ajis02-2809	69	35	solution	solution	NOUN
ajis02-2809	69	36	(	(	PUNCT
ajis02-2809	69	37	lai	lai	PROPN
ajis02-2809	69	38	,	,	PUNCT
ajis02-2809	69	39	2017	2017	NUM
ajis02-2809	69	40	;	;	PUNCT
ajis02-2809	69	41	lai	lai	PROPN
ajis02-2809	69	42	,	,	PUNCT
ajis02-2809	69	43	toh	toh	NOUN
ajis02-2809	69	44	,	,	PUNCT
ajis02-2809	69	45	&	&	CCONJ
ajis02-2809	69	46	alkhrabsheh	alkhrabsheh	ADJ
ajis02-2809	69	47	,	,	PUNCT
ajis02-2809	69	48	2019	2019	NUM
ajis02-2809	69	49	)	)	PUNCT
ajis02-2809	69	50	.	.	PUNCT
ajis02-2809	70	1	the	the	DET
ajis02-2809	70	2	platform	platform	NOUN
ajis02-2809	70	3	’s	’s	PART
ajis02-2809	70	4	software	software	NOUN
ajis02-2809	70	5	architecture	architecture	NOUN
ajis02-2809	70	6	was	be	AUX
ajis02-2809	70	7	developed	develop	VERB
ajis02-2809	70	8	using	use	VERB
ajis02-2809	70	9	blockchain	blockchain	PROPN
ajis02-2809	70	10	technology	technology	PROPN
ajis02-2809	70	11	akin	akin	ADJ
ajis02-2809	70	12	to	to	ADP
ajis02-2809	70	13	electronic	electronic	ADJ
ajis02-2809	70	14	coins	coin	NOUN
ajis02-2809	70	15	in	in	ADP
ajis02-2809	70	16	a	a	DET
ajis02-2809	70	17	smartphone	smartphone	NOUN
ajis02-2809	70	18	-	-	PUNCT
ajis02-2809	70	19	based	base	VERB
ajis02-2809	70	20	shopping	shopping	NOUN
ajis02-2809	70	21	system	system	NOUN
ajis02-2809	70	22	deployed	deploy	VERB
ajis02-2809	70	23	in	in	ADP
ajis02-2809	70	24	japan	japan	PROPN
ajis02-2809	70	25	(	(	PUNCT
ajis02-2809	70	26	tashiro	tashiro	NOUN
ajis02-2809	70	27	,	,	PUNCT
ajis02-2809	70	28	2018	2018	NUM
ajis02-2809	70	29	)	)	PUNCT
ajis02-2809	70	30	.	.	PUNCT
ajis02-2809	71	1	blockchain	blockchain	PROPN
ajis02-2809	71	2	-	-	PUNCT
ajis02-2809	71	3	based	base	VERB
ajis02-2809	71	4	applications	application	NOUN
ajis02-2809	71	5	leverage	leverage	VERB
ajis02-2809	71	6	the	the	DET
ajis02-2809	71	7	distributed	distribute	VERB
ajis02-2809	71	8	peer	peer	NOUN
ajis02-2809	71	9	-	-	PUNCT
ajis02-2809	71	10	to	to	ADP
ajis02-2809	71	11	-	-	PUNCT
ajis02-2809	71	12	peer	peer	NOUN
ajis02-2809	71	13	network	network	NOUN
ajis02-2809	71	14	such	such	ADJ
ajis02-2809	71	15	that	that	SCONJ
ajis02-2809	71	16	each	each	DET
ajis02-2809	71	17	member	member	NOUN
ajis02-2809	71	18	in	in	ADP
ajis02-2809	71	19	the	the	DET
ajis02-2809	71	20	blockchain	blockchain	PROPN
ajis02-2809	71	21	network	network	NOUN
ajis02-2809	71	22	can	can	AUX
ajis02-2809	71	23	openly	openly	ADV
ajis02-2809	71	24	access	access	VERB
ajis02-2809	71	25	and	and	CCONJ
ajis02-2809	71	26	directly	directly	ADV
ajis02-2809	71	27	verify	verify	VERB
ajis02-2809	71	28	peer	peer	NOUN
ajis02-2809	71	29	-	-	PUNCT
ajis02-2809	71	30	to	to	ADP
ajis02-2809	71	31	-	-	PUNCT
ajis02-2809	71	32	peer	peer	NOUN
ajis02-2809	71	33	australasian	australasian	ADJ
ajis02-2809	71	34	journal	journal	NOUN
ajis02-2809	71	35	of	of	ADP
ajis02-2809	71	36	information	information	NOUN
ajis02-2809	71	37	systems	systems	PROPN
ajis02-2809	71	38	lai	lai	PROPN
ajis02-2809	71	39	&	&	CCONJ
ajis02-2809	71	40	liew	liew	PROPN
ajis02-2809	71	41	2021	2021	NUM
ajis02-2809	71	42	,	,	PUNCT
ajis02-2809	71	43	vol	vol	NOUN
ajis02-2809	71	44	25	25	NUM
ajis02-2809	71	45	,	,	PUNCT
ajis02-2809	71	46	research	research	NOUN
ajis02-2809	71	47	article	article	NOUN
ajis02-2809	71	48	towards	towards	ADP
ajis02-2809	71	49	a	a	DET
ajis02-2809	71	50	cashless	cashless	NOUN
ajis02-2809	71	51	society	society	NOUN
ajis02-2809	71	52	5	5	NUM
ajis02-2809	71	53	transactions	transaction	NOUN
ajis02-2809	71	54	without	without	ADP
ajis02-2809	71	55	involving	involve	VERB
ajis02-2809	71	56	an	an	DET
ajis02-2809	71	57	intermediary	intermediary	NOUN
ajis02-2809	71	58	or	or	CCONJ
ajis02-2809	71	59	a	a	DET
ajis02-2809	71	60	central	central	ADJ
ajis02-2809	71	61	authority	authority	NOUN
ajis02-2809	71	62	(	(	PUNCT
ajis02-2809	71	63	harrison	harrison	NOUN
ajis02-2809	71	64	,	,	PUNCT
ajis02-2809	71	65	hair	hair	NOUN
ajis02-2809	71	66	,	,	PUNCT
ajis02-2809	71	67	&	&	CCONJ
ajis02-2809	71	68	ajjan	ajjan	NOUN
ajis02-2809	71	69	,	,	PUNCT
ajis02-2809	71	70	2021	2021	NUM
ajis02-2809	71	71	)	)	PUNCT
ajis02-2809	71	72	.	.	PUNCT
ajis02-2809	72	1	each	each	DET
ajis02-2809	72	2	transaction	transaction	NOUN
ajis02-2809	72	3	is	be	AUX
ajis02-2809	72	4	cryptographically	cryptographically	ADV
ajis02-2809	72	5	secured	secure	VERB
ajis02-2809	72	6	and	and	CCONJ
ajis02-2809	72	7	visibly	visibly	ADV
ajis02-2809	72	8	stored	store	VERB
ajis02-2809	72	9	on	on	ADP
ajis02-2809	72	10	a	a	DET
ajis02-2809	72	11	blockchain	blockchain	NOUN
ajis02-2809	72	12	as	as	ADP
ajis02-2809	72	13	chronological	chronological	ADJ
ajis02-2809	72	14	,	,	PUNCT
ajis02-2809	72	15	immutable	immutable	ADJ
ajis02-2809	72	16	,	,	PUNCT
ajis02-2809	72	17	and	and	CCONJ
ajis02-2809	72	18	auditable	auditable	ADJ
ajis02-2809	72	19	records	record	NOUN
ajis02-2809	72	20	to	to	PART
ajis02-2809	72	21	protect	protect	VERB
ajis02-2809	72	22	against	against	ADP
ajis02-2809	72	23	fraud	fraud	NOUN
ajis02-2809	72	24	or	or	CCONJ
ajis02-2809	72	25	malicious	malicious	ADJ
ajis02-2809	72	26	activities	activity	NOUN
ajis02-2809	72	27	that	that	PRON
ajis02-2809	72	28	compromise	compromise	VERB
ajis02-2809	72	29	security	security	NOUN
ajis02-2809	72	30	aspects	aspect	NOUN
ajis02-2809	72	31	of	of	ADP
ajis02-2809	72	32	the	the	DET
ajis02-2809	72	33	platform	platform	NOUN
ajis02-2809	72	34	(	(	PUNCT
ajis02-2809	72	35	casino	casino	NOUN
ajis02-2809	72	36	,	,	PUNCT
ajis02-2809	72	37	dasaklis	dasaklis	PROPN
ajis02-2809	72	38	,	,	PUNCT
ajis02-2809	72	39	&	&	CCONJ
ajis02-2809	72	40	patsakis	patsakis	PROPN
ajis02-2809	72	41	,	,	PUNCT
ajis02-2809	72	42	2019	2019	NUM
ajis02-2809	72	43	)	)	PUNCT
ajis02-2809	72	44	.	.	PUNCT
ajis02-2809	73	1	figure	figure	VERB
ajis02-2809	73	2	1	1	NUM
ajis02-2809	73	3	depicts	depict	VERB
ajis02-2809	73	4	a	a	DET
ajis02-2809	73	5	general	general	ADJ
ajis02-2809	73	6	multi	multi	ADJ
ajis02-2809	73	7	-	-	ADJ
ajis02-2809	73	8	tier	tier	ADJ
ajis02-2809	73	9	software	software	NOUN
ajis02-2809	73	10	architecture	architecture	NOUN
ajis02-2809	73	11	of	of	ADP
ajis02-2809	73	12	the	the	DET
ajis02-2809	73	13	gamified	gamifie	VERB
ajis02-2809	73	14	mobile	mobile	ADJ
ajis02-2809	73	15	payment	payment	NOUN
ajis02-2809	73	16	platform	platform	NOUN
ajis02-2809	73	17	.	.	PUNCT
ajis02-2809	74	1	the	the	DET
ajis02-2809	74	2	primary	primary	ADJ
ajis02-2809	74	3	layer	layer	NOUN
ajis02-2809	74	4	is	be	AUX
ajis02-2809	74	5	built	build	VERB
ajis02-2809	74	6	on	on	ADP
ajis02-2809	74	7	public	public	ADJ
ajis02-2809	74	8	blockchain	blockchain	PROPN
ajis02-2809	74	9	technology	technology	NOUN
ajis02-2809	74	10	using	use	VERB
ajis02-2809	74	11	open	open	ADJ
ajis02-2809	74	12	-	-	PUNCT
ajis02-2809	74	13	source	source	NOUN
ajis02-2809	74	14	cryptocurrencies	cryptocurrencie	NOUN
ajis02-2809	74	15	such	such	ADJ
ajis02-2809	74	16	as	as	ADP
ajis02-2809	74	17	bitcoin	bitcoin	NOUN
ajis02-2809	74	18	and	and	CCONJ
ajis02-2809	74	19	ethereum	ethereum	NOUN
ajis02-2809	74	20	.	.	PUNCT
ajis02-2809	75	1	smart	smart	ADJ
ajis02-2809	75	2	contracts	contract	NOUN
ajis02-2809	75	3	functionality	functionality	NOUN
ajis02-2809	75	4	of	of	ADP
ajis02-2809	75	5	these	these	DET
ajis02-2809	75	6	cryptocurrencies	cryptocurrencie	NOUN
ajis02-2809	75	7	will	will	AUX
ajis02-2809	75	8	automatically	automatically	ADV
ajis02-2809	75	9	execute	execute	VERB
ajis02-2809	75	10	peer	peer	NOUN
ajis02-2809	75	11	-	-	PUNCT
ajis02-2809	75	12	to	to	ADP
ajis02-2809	75	13	-	-	PUNCT
ajis02-2809	75	14	peer	peer	NOUN
ajis02-2809	75	15	payment	payment	NOUN
ajis02-2809	75	16	transactions	transaction	NOUN
ajis02-2809	75	17	that	that	PRON
ajis02-2809	75	18	meet	meet	VERB
ajis02-2809	75	19	predetermined	predetermine	VERB
ajis02-2809	75	20	terms	term	NOUN
ajis02-2809	75	21	and	and	CCONJ
ajis02-2809	75	22	conditions	condition	NOUN
ajis02-2809	75	23	and	and	CCONJ
ajis02-2809	75	24	electronically	electronically	ADV
ajis02-2809	75	25	verify	verify	VERB
ajis02-2809	75	26	the	the	DET
ajis02-2809	75	27	chain	chain	NOUN
ajis02-2809	75	28	of	of	ADP
ajis02-2809	75	29	ownership	ownership	NOUN
ajis02-2809	75	30	using	use	VERB
ajis02-2809	75	31	pairs	pair	NOUN
ajis02-2809	75	32	of	of	ADP
ajis02-2809	75	33	public	public	ADJ
ajis02-2809	75	34	keys	key	NOUN
ajis02-2809	75	35	(	(	PUNCT
ajis02-2809	75	36	for	for	ADP
ajis02-2809	75	37	identification	identification	NOUN
ajis02-2809	75	38	)	)	PUNCT
ajis02-2809	75	39	and	and	CCONJ
ajis02-2809	75	40	private	private	ADJ
ajis02-2809	75	41	keys	key	NOUN
ajis02-2809	75	42	(	(	PUNCT
ajis02-2809	75	43	authentication	authentication	NOUN
ajis02-2809	75	44	and	and	CCONJ
ajis02-2809	75	45	encryption	encryption	NOUN
ajis02-2809	75	46	)	)	PUNCT
ajis02-2809	75	47	(	(	PUNCT
ajis02-2809	75	48	nakamoto	nakamoto	NOUN
ajis02-2809	75	49	,	,	PUNCT
ajis02-2809	75	50	2008	2008	NUM
ajis02-2809	75	51	)	)	PUNCT
ajis02-2809	75	52	.	.	PUNCT
ajis02-2809	76	1	the	the	DET
ajis02-2809	76	2	secondary	secondary	ADJ
ajis02-2809	76	3	layer	layer	NOUN
ajis02-2809	76	4	comprises	comprise	VERB
ajis02-2809	76	5	private	private	ADJ
ajis02-2809	76	6	blockchain	blockchain	PROPN
ajis02-2809	76	7	technology	technology	NOUN
ajis02-2809	76	8	for	for	ADP
ajis02-2809	76	9	the	the	DET
ajis02-2809	76	10	database	database	NOUN
ajis02-2809	76	11	security	security	NOUN
ajis02-2809	76	12	protocol	protocol	NOUN
ajis02-2809	76	13	(	(	PUNCT
ajis02-2809	76	14	casino	casino	NOUN
ajis02-2809	76	15	et	et	PROPN
ajis02-2809	76	16	al	al	PROPN
ajis02-2809	76	17	.	.	PROPN
ajis02-2809	76	18	,	,	PUNCT
ajis02-2809	76	19	2019	2019	NUM
ajis02-2809	76	20	)	)	PUNCT
ajis02-2809	76	21	and	and	CCONJ
ajis02-2809	76	22	proprietary	proprietary	ADJ
ajis02-2809	76	23	technology	technology	NOUN
ajis02-2809	76	24	for	for	ADP
ajis02-2809	76	25	scalability	scalability	NOUN
ajis02-2809	76	26	and	and	CCONJ
ajis02-2809	76	27	payment	payment	NOUN
ajis02-2809	76	28	tracing	trace	VERB
ajis02-2809	76	29	protocol	protocol	NOUN
ajis02-2809	76	30	(	(	PUNCT
ajis02-2809	76	31	lai	lai	PROPN
ajis02-2809	76	32	,	,	PUNCT
ajis02-2809	76	33	2017	2017	NUM
ajis02-2809	76	34	)	)	PUNCT
ajis02-2809	76	35	.	.	PUNCT
ajis02-2809	77	1	the	the	DET
ajis02-2809	77	2	third	third	ADJ
ajis02-2809	77	3	application	application	NOUN
ajis02-2809	77	4	layer	layer	NOUN
ajis02-2809	77	5	contains	contain	VERB
ajis02-2809	77	6	business	business	NOUN
ajis02-2809	77	7	logic	logic	NOUN
ajis02-2809	77	8	that	that	PRON
ajis02-2809	77	9	determines	determine	VERB
ajis02-2809	77	10	how	how	SCONJ
ajis02-2809	77	11	the	the	DET
ajis02-2809	77	12	platform	platform	NOUN
ajis02-2809	77	13	will	will	AUX
ajis02-2809	77	14	operate	operate	VERB
ajis02-2809	77	15	with	with	ADP
ajis02-2809	77	16	the	the	DET
ajis02-2809	77	17	local	local	ADJ
ajis02-2809	77	18	context	context	NOUN
ajis02-2809	77	19	's	's	PART
ajis02-2809	77	20	rules	rule	NOUN
ajis02-2809	77	21	and	and	CCONJ
ajis02-2809	77	22	regulations	regulation	NOUN
ajis02-2809	77	23	.	.	PUNCT
ajis02-2809	78	1	user	user	NOUN
ajis02-2809	78	2	identification	identification	NOUN
ajis02-2809	78	3	will	will	AUX
ajis02-2809	78	4	be	be	AUX
ajis02-2809	78	5	verified	verify	VERB
ajis02-2809	78	6	in	in	ADP
ajis02-2809	78	7	compliance	compliance	NOUN
ajis02-2809	78	8	with	with	ADP
ajis02-2809	78	9	the	the	DET
ajis02-2809	78	10	national	national	PROPN
ajis02-2809	78	11	bank	bank	PROPN
ajis02-2809	78	12	of	of	ADP
ajis02-2809	78	13	malaysia	malaysia	PROPN
ajis02-2809	78	14	’s	’s	PART
ajis02-2809	79	1	electronic	electronic	ADJ
ajis02-2809	79	2	know	know	NOUN
ajis02-2809	79	3	-	-	PUNCT
ajis02-2809	79	4	your	your	PRON
ajis02-2809	79	5	-	-	PUNCT
ajis02-2809	79	6	customer	customer	NOUN
ajis02-2809	79	7	(	(	PUNCT
ajis02-2809	79	8	e	e	NOUN
ajis02-2809	79	9	-	-	NOUN
ajis02-2809	79	10	kyc	kyc	ADJ
ajis02-2809	79	11	)	)	PUNCT
ajis02-2809	79	12	guideline	guideline	NOUN
ajis02-2809	79	13	stipulated	stipulate	VERB
ajis02-2809	79	14	under	under	ADP
ajis02-2809	79	15	the	the	DET
ajis02-2809	79	16	national	national	ADJ
ajis02-2809	79	17	anti	anti	ADJ
ajis02-2809	79	18	-	-	ADJ
ajis02-2809	79	19	money	money	ADJ
ajis02-2809	79	20	laundering	laundering	NOUN
ajis02-2809	79	21	policy	policy	NOUN
ajis02-2809	79	22	(	(	PUNCT
ajis02-2809	79	23	bank	bank	NOUN
ajis02-2809	79	24	negara	negara	PROPN
ajis02-2809	79	25	malaysia	malaysia	PROPN
ajis02-2809	79	26	,	,	PUNCT
ajis02-2809	79	27	2019	2019	NUM
ajis02-2809	79	28	)	)	PUNCT
ajis02-2809	79	29	.	.	PUNCT
ajis02-2809	80	1	the	the	DET
ajis02-2809	80	2	presentation	presentation	NOUN
ajis02-2809	80	3	layer	layer	NOUN
ajis02-2809	80	4	of	of	ADP
ajis02-2809	80	5	a	a	DET
ajis02-2809	80	6	gamified	gamifie	VERB
ajis02-2809	80	7	mobile	mobile	ADJ
ajis02-2809	80	8	payment	payment	NOUN
ajis02-2809	80	9	platform	platform	NOUN
ajis02-2809	80	10	runs	run	VERB
ajis02-2809	80	11	on	on	ADP
ajis02-2809	80	12	the	the	DET
ajis02-2809	80	13	user	user	NOUN
ajis02-2809	80	14	’s	’s	PART
ajis02-2809	80	15	mobile	mobile	ADJ
ajis02-2809	80	16	device	device	NOUN
ajis02-2809	80	17	.	.	PUNCT
ajis02-2809	81	1	gamification	gamification	NOUN
ajis02-2809	81	2	enhances	enhance	VERB
ajis02-2809	81	3	the	the	DET
ajis02-2809	81	4	mobile	mobile	NOUN
ajis02-2809	81	5	-	-	PUNCT
ajis02-2809	81	6	based	base	VERB
ajis02-2809	81	7	presentation	presentation	NOUN
ajis02-2809	81	8	layer	layer	NOUN
ajis02-2809	81	9	with	with	ADP
ajis02-2809	81	10	game	game	NOUN
ajis02-2809	81	11	-	-	PUNCT
ajis02-2809	81	12	style	style	NOUN
ajis02-2809	81	13	rewards	reward	NOUN
ajis02-2809	81	14	,	,	PUNCT
ajis02-2809	81	15	which	which	PRON
ajis02-2809	81	16	have	have	AUX
ajis02-2809	81	17	found	find	VERB
ajis02-2809	81	18	to	to	PART
ajis02-2809	81	19	positively	positively	ADV
ajis02-2809	81	20	attract	attract	VERB
ajis02-2809	81	21	user	user	NOUN
ajis02-2809	81	22	engagement	engagement	NOUN
ajis02-2809	81	23	(	(	PUNCT
ajis02-2809	81	24	högberg	högberg	PROPN
ajis02-2809	81	25	et	et	PROPN
ajis02-2809	81	26	al	al	PROPN
ajis02-2809	81	27	.	.	PROPN
ajis02-2809	81	28	,	,	PUNCT
ajis02-2809	81	29	2019	2019	NUM
ajis02-2809	81	30	;	;	PUNCT
ajis02-2809	81	31	yang	yang	PROPN
ajis02-2809	81	32	,	,	PUNCT
ajis02-2809	81	33	asaad	asaad	PROPN
ajis02-2809	81	34	,	,	PUNCT
ajis02-2809	81	35	&	&	CCONJ
ajis02-2809	81	36	dwivedi	dwivedi	PROPN
ajis02-2809	81	37	,	,	PUNCT
ajis02-2809	81	38	2017	2017	NUM
ajis02-2809	81	39	)	)	PUNCT
ajis02-2809	81	40	,	,	PUNCT
ajis02-2809	81	41	trigger	trigger	NOUN
ajis02-2809	81	42	actual	actual	ADJ
ajis02-2809	81	43	purchase	purchase	NOUN
ajis02-2809	81	44	decision	decision	NOUN
ajis02-2809	81	45	(	(	PUNCT
ajis02-2809	81	46	huotari	huotari	PROPN
ajis02-2809	81	47	&	&	CCONJ
ajis02-2809	81	48	hamari	hamari	PROPN
ajis02-2809	81	49	,	,	PUNCT
ajis02-2809	81	50	2017	2017	NUM
ajis02-2809	81	51	)	)	PUNCT
ajis02-2809	81	52	,	,	PUNCT
ajis02-2809	81	53	and	and	CCONJ
ajis02-2809	81	54	further	far	ADV
ajis02-2809	81	55	increase	increase	VERB
ajis02-2809	81	56	the	the	DET
ajis02-2809	81	57	brand	brand	NOUN
ajis02-2809	81	58	equity	equity	NOUN
ajis02-2809	81	59	of	of	ADP
ajis02-2809	81	60	participating	participate	VERB
ajis02-2809	81	61	stores	store	NOUN
ajis02-2809	81	62	(	(	PUNCT
ajis02-2809	81	63	xi	xi	PROPN
ajis02-2809	81	64	&	&	CCONJ
ajis02-2809	81	65	hamari	hamari	X
ajis02-2809	81	66	,	,	PUNCT
ajis02-2809	81	67	2020	2020	NUM
ajis02-2809	81	68	)	)	PUNCT
ajis02-2809	81	69	.	.	PUNCT
ajis02-2809	82	1	gamification	gamification	NOUN
ajis02-2809	82	2	is	be	AUX
ajis02-2809	82	3	a	a	DET
ajis02-2809	82	4	valueadding	valueadde	VERB
ajis02-2809	82	5	extension	extension	NOUN
ajis02-2809	82	6	to	to	ADP
ajis02-2809	82	7	any	any	DET
ajis02-2809	82	8	compatible	compatible	ADJ
ajis02-2809	82	9	software	software	NOUN
ajis02-2809	82	10	architecture	architecture	NOUN
ajis02-2809	82	11	of	of	ADP
ajis02-2809	82	12	a	a	DET
ajis02-2809	82	13	mobile	mobile	ADJ
ajis02-2809	82	14	payment	payment	NOUN
ajis02-2809	82	15	platform	platform	NOUN
ajis02-2809	82	16	.	.	PUNCT
ajis02-2809	83	1	the	the	DET
ajis02-2809	83	2	“	"	PUNCT
ajis02-2809	83	3	game	game	NOUN
ajis02-2809	83	4	on	on	ADP
ajis02-2809	83	5	app	app	NOUN
ajis02-2809	83	6	”	"	PUNCT
ajis02-2809	83	7	feature	feature	NOUN
ajis02-2809	83	8	has	have	VERB
ajis02-2809	83	9	a	a	DET
ajis02-2809	83	10	twofold	twofold	ADJ
ajis02-2809	83	11	function	function	NOUN
ajis02-2809	83	12	of	of	ADP
ajis02-2809	83	13	engaging	engage	VERB
ajis02-2809	83	14	and	and	CCONJ
ajis02-2809	83	15	motivating	motivate	VERB
ajis02-2809	83	16	users	user	NOUN
ajis02-2809	83	17	for	for	ADP
ajis02-2809	83	18	purchase	purchase	NOUN
ajis02-2809	83	19	(	(	PUNCT
ajis02-2809	83	20	alsawaier	alsawaier	NOUN
ajis02-2809	83	21	,	,	PUNCT
ajis02-2809	83	22	2018	2018	NUM
ajis02-2809	83	23	)	)	PUNCT
ajis02-2809	83	24	.	.	PUNCT
ajis02-2809	84	1	in	in	ADP
ajis02-2809	84	2	return	return	NOUN
ajis02-2809	84	3	,	,	PUNCT
ajis02-2809	84	4	participating	participate	VERB
ajis02-2809	84	5	stores	store	NOUN
ajis02-2809	84	6	can	can	AUX
ajis02-2809	84	7	analyze	analyze	VERB
ajis02-2809	84	8	the	the	DET
ajis02-2809	84	9	shopping	shopping	NOUN
ajis02-2809	84	10	data	datum	NOUN
ajis02-2809	84	11	of	of	ADP
ajis02-2809	84	12	their	their	PRON
ajis02-2809	84	13	customers	customer	NOUN
ajis02-2809	84	14	who	who	PRON
ajis02-2809	84	15	are	be	AUX
ajis02-2809	84	16	also	also	ADV
ajis02-2809	84	17	app	app	NOUN
ajis02-2809	84	18	users	user	NOUN
ajis02-2809	84	19	.	.	PUNCT
ajis02-2809	85	1	figure	figure	VERB
ajis02-2809	85	2	1	1	NUM
ajis02-2809	85	3	.	.	PUNCT
ajis02-2809	85	4	software	software	NOUN
ajis02-2809	85	5	architecture	architecture	NOUN
ajis02-2809	85	6	of	of	ADP
ajis02-2809	85	7	a	a	DET
ajis02-2809	85	8	gamified	gamifie	VERB
ajis02-2809	85	9	mobile	mobile	ADJ
ajis02-2809	85	10	payment	payment	NOUN
ajis02-2809	85	11	platform	platform	NOUN
ajis02-2809	85	12	australasian	australasian	ADJ
ajis02-2809	85	13	journal	journal	NOUN
ajis02-2809	85	14	of	of	ADP
ajis02-2809	85	15	information	information	NOUN
ajis02-2809	85	16	systems	systems	PROPN
ajis02-2809	85	17	lai	lai	PROPN
ajis02-2809	85	18	&	&	CCONJ
ajis02-2809	85	19	liew	liew	PROPN
ajis02-2809	85	20	2021	2021	NUM
ajis02-2809	85	21	,	,	PUNCT
ajis02-2809	85	22	vol	vol	NOUN
ajis02-2809	85	23	25	25	NUM
ajis02-2809	85	24	,	,	PUNCT
ajis02-2809	85	25	research	research	NOUN
ajis02-2809	85	26	article	article	NOUN
ajis02-2809	85	27	towards	towards	ADP
ajis02-2809	85	28	a	a	DET
ajis02-2809	85	29	cashless	cashless	NOUN
ajis02-2809	85	30	society	society	NOUN
ajis02-2809	85	31	6	6	NUM
ajis02-2809	85	32	figures	figure	NOUN
ajis02-2809	85	33	2–4	2–4	PRON
ajis02-2809	85	34	illustrate	illustrate	VERB
ajis02-2809	85	35	the	the	DET
ajis02-2809	85	36	design	design	NOUN
ajis02-2809	85	37	mechanism	mechanism	NOUN
ajis02-2809	85	38	of	of	ADP
ajis02-2809	85	39	a	a	DET
ajis02-2809	85	40	gamified	gamifie	VERB
ajis02-2809	85	41	mobile	mobile	ADJ
ajis02-2809	85	42	payment	payment	NOUN
ajis02-2809	85	43	platform	platform	NOUN
ajis02-2809	85	44	.	.	PUNCT
ajis02-2809	86	1	loyalty	loyalty	NOUN
ajis02-2809	86	2	point	point	NOUN
ajis02-2809	86	3	or	or	CCONJ
ajis02-2809	86	4	stamp	stamp	NOUN
ajis02-2809	86	5	collection	collection	NOUN
ajis02-2809	86	6	is	be	AUX
ajis02-2809	86	7	typically	typically	ADV
ajis02-2809	86	8	used	use	VERB
ajis02-2809	86	9	in	in	ADP
ajis02-2809	86	10	incentive	incentive	NOUN
ajis02-2809	86	11	design	design	NOUN
ajis02-2809	86	12	for	for	ADP
ajis02-2809	86	13	the	the	DET
ajis02-2809	86	14	retail	retail	ADJ
ajis02-2809	86	15	or	or	CCONJ
ajis02-2809	86	16	service	service	NOUN
ajis02-2809	86	17	industry	industry	NOUN
ajis02-2809	86	18	(	(	PUNCT
ajis02-2809	86	19	huotari	huotari	PROPN
ajis02-2809	86	20	&	&	CCONJ
ajis02-2809	86	21	hamari	hamari	PROPN
ajis02-2809	86	22	,	,	PUNCT
ajis02-2809	86	23	2017	2017	NUM
ajis02-2809	86	24	)	)	PUNCT
ajis02-2809	86	25	.	.	PUNCT
ajis02-2809	87	1	loyalty	loyalty	NOUN
ajis02-2809	87	2	program	program	NOUN
ajis02-2809	87	3	that	that	PRON
ajis02-2809	87	4	incorporates	incorporate	VERB
ajis02-2809	87	5	gamified	gamified	ADJ
ajis02-2809	87	6	elements	element	NOUN
ajis02-2809	87	7	could	could	AUX
ajis02-2809	87	8	drive	drive	VERB
ajis02-2809	87	9	consumer	consumer	NOUN
ajis02-2809	87	10	motivation	motivation	NOUN
ajis02-2809	87	11	and	and	CCONJ
ajis02-2809	87	12	engagement	engagement	NOUN
ajis02-2809	87	13	value	value	NOUN
ajis02-2809	87	14	(	(	PUNCT
ajis02-2809	87	15	hollebeek	hollebeek	NOUN
ajis02-2809	87	16	,	,	PUNCT
ajis02-2809	87	17	das	das	PROPN
ajis02-2809	87	18	,	,	PUNCT
ajis02-2809	87	19	&	&	CCONJ
ajis02-2809	87	20	shukla	shukla	NOUN
ajis02-2809	87	21	,	,	PUNCT
ajis02-2809	87	22	2021	2021	NUM
ajis02-2809	87	23	)	)	PUNCT
ajis02-2809	87	24	.	.	PUNCT
ajis02-2809	88	1	the	the	DET
ajis02-2809	88	2	app	app	NOUN
ajis02-2809	88	3	allows	allow	VERB
ajis02-2809	88	4	users	user	NOUN
ajis02-2809	88	5	to	to	PART
ajis02-2809	88	6	convert	convert	VERB
ajis02-2809	88	7	the	the	DET
ajis02-2809	88	8	loyalty	loyalty	NOUN
ajis02-2809	88	9	points	point	NOUN
ajis02-2809	88	10	earned	earn	VERB
ajis02-2809	88	11	into	into	ADP
ajis02-2809	88	12	monetary	monetary	ADJ
ajis02-2809	88	13	tokens	token	NOUN
ajis02-2809	88	14	that	that	PRON
ajis02-2809	88	15	can	can	AUX
ajis02-2809	88	16	be	be	AUX
ajis02-2809	88	17	used	use	VERB
ajis02-2809	88	18	as	as	ADP
ajis02-2809	88	19	digital	digital	ADJ
ajis02-2809	88	20	money	money	NOUN
ajis02-2809	88	21	to	to	PART
ajis02-2809	88	22	pay	pay	VERB
ajis02-2809	88	23	for	for	ADP
ajis02-2809	88	24	actual	actual	ADJ
ajis02-2809	88	25	purchases	purchase	NOUN
ajis02-2809	88	26	transacted	transact	VERB
ajis02-2809	88	27	in	in	ADP
ajis02-2809	88	28	any	any	DET
ajis02-2809	88	29	participating	participate	VERB
ajis02-2809	88	30	online	online	ADJ
ajis02-2809	88	31	or	or	CCONJ
ajis02-2809	88	32	offline	offline	ADJ
ajis02-2809	88	33	stores	store	NOUN
ajis02-2809	88	34	.	.	PUNCT
ajis02-2809	89	1	figure	figure	NOUN
ajis02-2809	89	2	2	2	NUM
ajis02-2809	89	3	.	.	PUNCT
ajis02-2809	90	1	a	a	DET
ajis02-2809	90	2	user	user	NOUN
ajis02-2809	90	3	experience	experience	NOUN
ajis02-2809	90	4	in	in	ADP
ajis02-2809	90	5	earning	earn	VERB
ajis02-2809	90	6	loyalty	loyalty	NOUN
ajis02-2809	90	7	points	point	NOUN
ajis02-2809	90	8	through	through	ADP
ajis02-2809	90	9	game	game	NOUN
ajis02-2809	90	10	on	on	ADP
ajis02-2809	90	11	app	app	PROPN
ajis02-2809	90	12	(	(	PUNCT
ajis02-2809	90	13	own	own	ADJ
ajis02-2809	90	14	illustration	illustration	NOUN
ajis02-2809	90	15	)	)	PUNCT
ajis02-2809	90	16	figure	figure	NOUN
ajis02-2809	90	17	3	3	NUM
ajis02-2809	90	18	.	.	PUNCT
ajis02-2809	90	19	converting	convert	VERB
ajis02-2809	90	20	loyalty	loyalty	NOUN
ajis02-2809	90	21	points	point	NOUN
ajis02-2809	90	22	into	into	ADP
ajis02-2809	90	23	blockchain	blockchain	PROPN
ajis02-2809	90	24	monetary	monetary	ADJ
ajis02-2809	90	25	tokens	token	NOUN
ajis02-2809	90	26	(	(	PUNCT
ajis02-2809	90	27	own	own	ADJ
ajis02-2809	90	28	illustration	illustration	NOUN
ajis02-2809	90	29	)	)	PUNCT
ajis02-2809	90	30	figure	figure	NOUN
ajis02-2809	90	31	2	2	NUM
ajis02-2809	90	32	showed	show	VERB
ajis02-2809	90	33	a	a	DET
ajis02-2809	90	34	user	user	NOUN
ajis02-2809	90	35	experience	experience	NOUN
ajis02-2809	90	36	in	in	ADP
ajis02-2809	90	37	collecting	collect	VERB
ajis02-2809	90	38	loyalty	loyalty	NOUN
ajis02-2809	90	39	points	point	NOUN
ajis02-2809	90	40	or	or	CCONJ
ajis02-2809	90	41	stamp	stamp	NOUN
ajis02-2809	90	42	through	through	ADP
ajis02-2809	90	43	three	three	NUM
ajis02-2809	90	44	different	different	ADJ
ajis02-2809	90	45	sets	set	NOUN
ajis02-2809	90	46	of	of	ADP
ajis02-2809	90	47	gamification	gamification	NOUN
ajis02-2809	90	48	activities	activity	NOUN
ajis02-2809	90	49	across	across	ADP
ajis02-2809	90	50	three	three	NUM
ajis02-2809	90	51	participating	participate	VERB
ajis02-2809	90	52	stores	store	NOUN
ajis02-2809	90	53	(	(	PUNCT
ajis02-2809	90	54	shop	shop	NOUN
ajis02-2809	90	55	a	a	PRON
ajis02-2809	90	56	,	,	PUNCT
ajis02-2809	90	57	shop	shop	NOUN
ajis02-2809	90	58	b	b	NUM
ajis02-2809	90	59	,	,	PUNCT
ajis02-2809	90	60	and	and	CCONJ
ajis02-2809	90	61	shop	shop	NOUN
ajis02-2809	90	62	c	c	NOUN
ajis02-2809	90	63	)	)	PUNCT
ajis02-2809	90	64	.	.	PUNCT
ajis02-2809	91	1	the	the	DET
ajis02-2809	91	2	user	user	NOUN
ajis02-2809	91	3	encounters	encounter	VERB
ajis02-2809	91	4	an	an	DET
ajis02-2809	91	5	augmented	augment	VERB
ajis02-2809	91	6	reality	reality	NOUN
ajis02-2809	91	7	or	or	CCONJ
ajis02-2809	91	8	virtual	virtual	ADJ
ajis02-2809	91	9	reality	reality	NOUN
ajis02-2809	91	10	experience	experience	NOUN
ajis02-2809	91	11	on	on	ADP
ajis02-2809	91	12	the	the	DET
ajis02-2809	91	13	app	app	NOUN
ajis02-2809	91	14	upon	upon	SCONJ
ajis02-2809	91	15	visiting	visit	VERB
ajis02-2809	91	16	the	the	DET
ajis02-2809	91	17	physical	physical	ADJ
ajis02-2809	91	18	shop	shop	NOUN
ajis02-2809	91	19	a.	a.	NOUN
ajis02-2809	91	20	the	the	DET
ajis02-2809	91	21	user	user	NOUN
ajis02-2809	91	22	plays	play	VERB
ajis02-2809	91	23	a	a	DET
ajis02-2809	91	24	game	game	NOUN
ajis02-2809	91	25	on	on	ADP
ajis02-2809	91	26	the	the	DET
ajis02-2809	91	27	app	app	NOUN
ajis02-2809	91	28	designed	design	VERB
ajis02-2809	91	29	for	for	ADP
ajis02-2809	91	30	shop	shop	NOUN
ajis02-2809	91	31	b	b	PROPN
ajis02-2809	91	32	and	and	CCONJ
ajis02-2809	91	33	responds	respond	VERB
ajis02-2809	91	34	to	to	ADP
ajis02-2809	91	35	a	a	DET
ajis02-2809	91	36	survey	survey	NOUN
ajis02-2809	91	37	at	at	ADP
ajis02-2809	91	38	shop	shop	PROPN
ajis02-2809	91	39	c.	c.	PROPN
ajis02-2809	91	40	the	the	DET
ajis02-2809	91	41	user	user	NOUN
ajis02-2809	91	42	earns	earn	VERB
ajis02-2809	91	43	loyalty	loyalty	NOUN
ajis02-2809	91	44	points	point	NOUN
ajis02-2809	91	45	through	through	ADP
ajis02-2809	91	46	a	a	DET
ajis02-2809	91	47	series	series	NOUN
ajis02-2809	91	48	of	of	ADP
ajis02-2809	91	49	mobile	mobile	ADJ
ajis02-2809	91	50	games	game	NOUN
ajis02-2809	91	51	across	across	ADP
ajis02-2809	91	52	the	the	DET
ajis02-2809	91	53	participating	participate	VERB
ajis02-2809	91	54	stores	store	NOUN
ajis02-2809	91	55	.	.	PUNCT
ajis02-2809	92	1	figure	figure	VERB
ajis02-2809	92	2	3	3	NUM
ajis02-2809	92	3	shows	show	VERB
ajis02-2809	92	4	that	that	SCONJ
ajis02-2809	92	5	users	user	NOUN
ajis02-2809	92	6	can	can	AUX
ajis02-2809	92	7	choose	choose	VERB
ajis02-2809	92	8	to	to	PART
ajis02-2809	92	9	convert	convert	VERB
ajis02-2809	92	10	the	the	DET
ajis02-2809	92	11	loyalty	loyalty	NOUN
ajis02-2809	92	12	points	point	NOUN
ajis02-2809	92	13	earned	earn	VERB
ajis02-2809	92	14	into	into	ADP
ajis02-2809	92	15	monetary	monetary	ADJ
ajis02-2809	92	16	tokens	token	NOUN
ajis02-2809	92	17	,	,	PUNCT
ajis02-2809	92	18	i.e.	i.e.	X
ajis02-2809	92	19	,	,	PUNCT
ajis02-2809	92	20	electronic	electronic	ADJ
ajis02-2809	92	21	coins	coin	NOUN
ajis02-2809	92	22	issued	issue	VERB
ajis02-2809	92	23	solely	solely	ADV
ajis02-2809	92	24	on	on	ADP
ajis02-2809	92	25	the	the	DET
ajis02-2809	92	26	gamified	gamifie	VERB
ajis02-2809	92	27	mobile	mobile	ADJ
ajis02-2809	92	28	australasian	australasian	ADJ
ajis02-2809	92	29	journal	journal	NOUN
ajis02-2809	92	30	of	of	ADP
ajis02-2809	92	31	information	information	NOUN
ajis02-2809	92	32	systems	systems	PROPN
ajis02-2809	92	33	lai	lai	PROPN
ajis02-2809	92	34	&	&	CCONJ
ajis02-2809	92	35	liew	liew	PROPN
ajis02-2809	92	36	2021	2021	NUM
ajis02-2809	92	37	,	,	PUNCT
ajis02-2809	92	38	vol	vol	NOUN
ajis02-2809	92	39	25	25	NUM
ajis02-2809	92	40	,	,	PUNCT
ajis02-2809	92	41	research	research	NOUN
ajis02-2809	92	42	article	article	NOUN
ajis02-2809	92	43	towards	towards	ADP
ajis02-2809	92	44	a	a	DET
ajis02-2809	92	45	cashless	cashless	NOUN
ajis02-2809	92	46	society	society	NOUN
ajis02-2809	92	47	7	7	NUM
ajis02-2809	92	48	payment	payment	NOUN
ajis02-2809	92	49	app	app	NOUN
ajis02-2809	92	50	.	.	PUNCT
ajis02-2809	93	1	following	follow	VERB
ajis02-2809	93	2	this	this	PRON
ajis02-2809	93	3	,	,	PUNCT
ajis02-2809	93	4	users	user	NOUN
ajis02-2809	93	5	can	can	AUX
ajis02-2809	93	6	use	use	VERB
ajis02-2809	93	7	the	the	DET
ajis02-2809	93	8	monetary	monetary	ADJ
ajis02-2809	93	9	tokens	token	NOUN
ajis02-2809	93	10	expressed	express	VERB
ajis02-2809	93	11	in	in	ADP
ajis02-2809	93	12	the	the	DET
ajis02-2809	93	13	local	local	ADJ
ajis02-2809	93	14	currency	currency	NOUN
ajis02-2809	93	15	(	(	PUNCT
ajis02-2809	93	16	i.e.	i.e.	X
ajis02-2809	93	17	,	,	PUNCT
ajis02-2809	93	18	ringgit	ringgit	PROPN
ajis02-2809	93	19	malaysia	malaysia	PROPN
ajis02-2809	93	20	)	)	PUNCT
ajis02-2809	93	21	to	to	PART
ajis02-2809	93	22	pay	pay	VERB
ajis02-2809	93	23	for	for	ADP
ajis02-2809	93	24	products	product	NOUN
ajis02-2809	93	25	,	,	PUNCT
ajis02-2809	93	26	services	service	NOUN
ajis02-2809	93	27	,	,	PUNCT
ajis02-2809	93	28	and	and	CCONJ
ajis02-2809	93	29	information	information	NOUN
ajis02-2809	93	30	transacted	transact	VERB
ajis02-2809	93	31	at	at	ADP
ajis02-2809	93	32	the	the	DET
ajis02-2809	93	33	participating	participate	VERB
ajis02-2809	93	34	stores	store	NOUN
ajis02-2809	93	35	(	(	PUNCT
ajis02-2809	93	36	see	see	VERB
ajis02-2809	93	37	figure	figure	NOUN
ajis02-2809	93	38	4	4	NUM
ajis02-2809	93	39	)	)	PUNCT
ajis02-2809	93	40	.	.	PUNCT
ajis02-2809	94	1	users	user	NOUN
ajis02-2809	94	2	can	can	AUX
ajis02-2809	94	3	also	also	ADV
ajis02-2809	94	4	share	share	VERB
ajis02-2809	94	5	monetary	monetary	ADJ
ajis02-2809	94	6	tokens	token	NOUN
ajis02-2809	94	7	using	use	VERB
ajis02-2809	94	8	peer	peer	NOUN
ajis02-2809	94	9	-	-	PUNCT
ajis02-2809	94	10	to	to	ADP
ajis02-2809	94	11	-	-	PUNCT
ajis02-2809	94	12	peer	peer	NOUN
ajis02-2809	94	13	online	online	ADJ
ajis02-2809	94	14	money	money	NOUN
ajis02-2809	94	15	transfer	transfer	NOUN
ajis02-2809	94	16	for	for	ADP
ajis02-2809	94	17	shopping	shopping	NOUN
ajis02-2809	94	18	purchases	purchase	NOUN
ajis02-2809	94	19	,	,	PUNCT
ajis02-2809	94	20	commonly	commonly	ADV
ajis02-2809	94	21	seen	see	VERB
ajis02-2809	94	22	in	in	ADP
ajis02-2809	94	23	developed	develop	VERB
ajis02-2809	94	24	countries	country	NOUN
ajis02-2809	94	25	but	but	CCONJ
ajis02-2809	94	26	not	not	PART
ajis02-2809	94	27	as	as	ADV
ajis02-2809	94	28	common	common	ADJ
ajis02-2809	94	29	in	in	ADP
ajis02-2809	94	30	malaysia	malaysia	PROPN
ajis02-2809	94	31	.	.	PUNCT
ajis02-2809	95	1	figure	figure	VERB
ajis02-2809	95	2	4	4	NUM
ajis02-2809	95	3	.	.	PUNCT
ajis02-2809	96	1	using	use	VERB
ajis02-2809	96	2	blockchain	blockchain	PROPN
ajis02-2809	96	3	monetary	monetary	ADJ
ajis02-2809	96	4	tokens	token	NOUN
ajis02-2809	96	5	to	to	PART
ajis02-2809	96	6	pay	pay	VERB
ajis02-2809	96	7	for	for	ADP
ajis02-2809	96	8	various	various	ADJ
ajis02-2809	96	9	transactions	transaction	NOUN
ajis02-2809	96	10	(	(	PUNCT
ajis02-2809	96	11	own	own	ADJ
ajis02-2809	96	12	illustration	illustration	NOUN
ajis02-2809	96	13	)	)	PUNCT
ajis02-2809	96	14	the	the	DET
ajis02-2809	96	15	mobile	mobile	ADJ
ajis02-2809	96	16	payment	payment	NOUN
ajis02-2809	96	17	platform	platform	NOUN
ajis02-2809	96	18	ecosystem	ecosystem	NOUN
ajis02-2809	96	19	encompasses	encompass	VERB
ajis02-2809	96	20	consumers	consumer	NOUN
ajis02-2809	96	21	’	’	PART
ajis02-2809	96	22	mobile	mobile	ADJ
ajis02-2809	96	23	devices	device	NOUN
ajis02-2809	96	24	,	,	PUNCT
ajis02-2809	96	25	internet	internet	NOUN
ajis02-2809	96	26	data	datum	NOUN
ajis02-2809	96	27	,	,	PUNCT
ajis02-2809	96	28	payment	payment	NOUN
ajis02-2809	96	29	details	detail	NOUN
ajis02-2809	96	30	,	,	PUNCT
ajis02-2809	96	31	and	and	CCONJ
ajis02-2809	96	32	the	the	DET
ajis02-2809	96	33	retailers	retailer	NOUN
ajis02-2809	96	34	’	’	PART
ajis02-2809	96	35	point	point	NOUN
ajis02-2809	96	36	-	-	PUNCT
ajis02-2809	96	37	of	of	ADP
ajis02-2809	96	38	-	-	PUNCT
ajis02-2809	96	39	sale	sale	NOUN
ajis02-2809	96	40	(	(	PUNCT
ajis02-2809	96	41	pos	pos	NOUN
ajis02-2809	96	42	)	)	PUNCT
ajis02-2809	96	43	system	system	NOUN
ajis02-2809	96	44	in	in	ADP
ajis02-2809	96	45	a	a	DET
ajis02-2809	96	46	physical	physical	ADJ
ajis02-2809	96	47	store	store	NOUN
ajis02-2809	96	48	or	or	CCONJ
ajis02-2809	96	49	the	the	DET
ajis02-2809	96	50	checkout	checkout	NOUN
ajis02-2809	96	51	cart	cart	NOUN
ajis02-2809	96	52	system	system	NOUN
ajis02-2809	96	53	on	on	ADP
ajis02-2809	96	54	an	an	DET
ajis02-2809	96	55	online	online	ADJ
ajis02-2809	96	56	store	store	NOUN
ajis02-2809	96	57	(	(	PUNCT
ajis02-2809	96	58	de	de	X
ajis02-2809	96	59	kerviler	kerviler	NOUN
ajis02-2809	96	60	et	et	PROPN
ajis02-2809	96	61	al	al	PROPN
ajis02-2809	96	62	.	.	PROPN
ajis02-2809	96	63	,	,	PUNCT
ajis02-2809	96	64	2016	2016	NUM
ajis02-2809	96	65	;	;	PUNCT
ajis02-2809	96	66	lai	lai	PROPN
ajis02-2809	96	67	et	et	PROPN
ajis02-2809	96	68	al	al	PROPN
ajis02-2809	96	69	.	.	PROPN
ajis02-2809	96	70	,	,	PUNCT
ajis02-2809	96	71	2019	2019	NUM
ajis02-2809	96	72	)	)	PUNCT
ajis02-2809	96	73	.	.	PUNCT
ajis02-2809	97	1	consumers	consumer	NOUN
ajis02-2809	97	2	have	have	VERB
ajis02-2809	97	3	the	the	DET
ajis02-2809	97	4	site	site	NOUN
ajis02-2809	97	5	option	option	NOUN
ajis02-2809	97	6	to	to	PART
ajis02-2809	97	7	scan	scan	VERB
ajis02-2809	97	8	qr	qr	PROPN
ajis02-2809	97	9	codes	code	NOUN
ajis02-2809	97	10	directly	directly	ADV
ajis02-2809	97	11	from	from	ADP
ajis02-2809	97	12	the	the	DET
ajis02-2809	97	13	mobile	mobile	ADJ
ajis02-2809	97	14	payment	payment	NOUN
ajis02-2809	97	15	app	app	NOUN
ajis02-2809	97	16	.	.	PUNCT
ajis02-2809	98	1	they	they	PRON
ajis02-2809	98	2	could	could	AUX
ajis02-2809	98	3	also	also	ADV
ajis02-2809	98	4	‘	'	PUNCT
ajis02-2809	98	5	tap	tap	VERB
ajis02-2809	98	6	and	and	CCONJ
ajis02-2809	98	7	pay	pay	VERB
ajis02-2809	98	8	’	'	PUNCT
ajis02-2809	98	9	at	at	ADP
ajis02-2809	98	10	the	the	DET
ajis02-2809	98	11	physical	physical	ADJ
ajis02-2809	98	12	pos	pos	NOUN
ajis02-2809	98	13	kiosk	kiosk	NOUN
ajis02-2809	98	14	using	use	VERB
ajis02-2809	98	15	mobile	mobile	ADJ
ajis02-2809	98	16	devices	device	NOUN
ajis02-2809	98	17	enabled	enable	VERB
ajis02-2809	98	18	with	with	ADP
ajis02-2809	98	19	near	near	ADJ
ajis02-2809	98	20	field	field	NOUN
ajis02-2809	98	21	communication	communication	NOUN
ajis02-2809	98	22	(	(	PUNCT
ajis02-2809	98	23	nfc	nfc	NOUN
ajis02-2809	98	24	)	)	PUNCT
ajis02-2809	98	25	technology	technology	NOUN
ajis02-2809	98	26	.	.	PUNCT
ajis02-2809	99	1	the	the	DET
ajis02-2809	99	2	fastest	fast	ADV
ajis02-2809	99	3	straightforward	straightforward	ADJ
ajis02-2809	99	4	approach	approach	NOUN
ajis02-2809	99	5	would	would	AUX
ajis02-2809	99	6	be	be	AUX
ajis02-2809	99	7	performing	perform	VERB
ajis02-2809	99	8	payment	payment	NOUN
ajis02-2809	99	9	transactions	transaction	NOUN
ajis02-2809	99	10	remotely	remotely	ADV
ajis02-2809	99	11	from	from	ADP
ajis02-2809	99	12	the	the	DET
ajis02-2809	99	13	store	store	NOUN
ajis02-2809	99	14	and	and	CCONJ
ajis02-2809	99	15	directly	directly	ADV
ajis02-2809	99	16	on	on	ADP
ajis02-2809	99	17	a	a	DET
ajis02-2809	99	18	multi	multi	ADJ
ajis02-2809	99	19	-	-	ADJ
ajis02-2809	99	20	functional	functional	ADJ
ajis02-2809	99	21	mobile	mobile	ADJ
ajis02-2809	99	22	payment	payment	NOUN
ajis02-2809	99	23	platform	platform	NOUN
ajis02-2809	99	24	(	(	PUNCT
ajis02-2809	99	25	lai	lai	PROPN
ajis02-2809	99	26	&	&	CCONJ
ajis02-2809	99	27	scheela	scheela	PROPN
ajis02-2809	99	28	,	,	PUNCT
ajis02-2809	99	29	2018	2018	NUM
ajis02-2809	99	30	)	)	PUNCT
ajis02-2809	99	31	.	.	PUNCT
ajis02-2809	100	1	4	4	NUM
ajis02-2809	100	2	literature	literature	PROPN
ajis02-2809	100	3	review	review	NOUN
ajis02-2809	100	4	and	and	CCONJ
ajis02-2809	100	5	hypotheses	hypothese	VERB
ajis02-2809	100	6	development	development	NOUN
ajis02-2809	100	7	to	to	ADP
ajis02-2809	100	8	date	date	NOUN
ajis02-2809	100	9	,	,	PUNCT
ajis02-2809	100	10	davis	davis	PROPN
ajis02-2809	100	11	’	'	PUNCT
ajis02-2809	100	12	(	(	PUNCT
ajis02-2809	100	13	1989	1989	NUM
ajis02-2809	100	14	)	)	PUNCT
ajis02-2809	100	15	technology	technology	NOUN
ajis02-2809	100	16	acceptance	acceptance	NOUN
ajis02-2809	100	17	model	model	NOUN
ajis02-2809	100	18	(	(	PUNCT
ajis02-2809	100	19	tam	tam	PROPN
ajis02-2809	100	20	)	)	PUNCT
ajis02-2809	100	21	has	have	AUX
ajis02-2809	100	22	transpired	transpire	VERB
ajis02-2809	100	23	as	as	ADP
ajis02-2809	100	24	one	one	NUM
ajis02-2809	100	25	of	of	ADP
ajis02-2809	100	26	the	the	DET
ajis02-2809	100	27	most	most	ADV
ajis02-2809	100	28	employed	employ	VERB
ajis02-2809	100	29	models	model	NOUN
ajis02-2809	100	30	to	to	PART
ajis02-2809	100	31	study	study	VERB
ajis02-2809	100	32	information	information	NOUN
ajis02-2809	100	33	technology	technology	NOUN
ajis02-2809	100	34	adoption	adoption	NOUN
ajis02-2809	100	35	behavior	behavior	NOUN
ajis02-2809	100	36	,	,	PUNCT
ajis02-2809	100	37	including	include	VERB
ajis02-2809	100	38	mobile	mobile	ADJ
ajis02-2809	100	39	payment	payment	NOUN
ajis02-2809	100	40	adoption	adoption	NOUN
ajis02-2809	100	41	and	and	CCONJ
ajis02-2809	100	42	use	use	NOUN
ajis02-2809	100	43	at	at	ADP
ajis02-2809	100	44	the	the	DET
ajis02-2809	100	45	individual	individual	ADJ
ajis02-2809	100	46	level	level	NOUN
ajis02-2809	100	47	(	(	PUNCT
ajis02-2809	100	48	liu	liu	PROPN
ajis02-2809	100	49	et	et	PROPN
ajis02-2809	100	50	al	al	PROPN
ajis02-2809	100	51	.	.	PROPN
ajis02-2809	100	52	,	,	PUNCT
ajis02-2809	100	53	2019	2019	NUM
ajis02-2809	100	54	)	)	PUNCT
ajis02-2809	100	55	.	.	PUNCT
ajis02-2809	101	1	perceived	perceive	VERB
ajis02-2809	101	2	usefulness	usefulness	NOUN
ajis02-2809	101	3	(	(	PUNCT
ajis02-2809	101	4	pu	pu	PROPN
ajis02-2809	101	5	)	)	PUNCT
ajis02-2809	101	6	and	and	CCONJ
ajis02-2809	101	7	perceived	perceive	VERB
ajis02-2809	101	8	ease	ease	NOUN
ajis02-2809	101	9	of	of	ADP
ajis02-2809	101	10	use	use	NOUN
ajis02-2809	101	11	(	(	PUNCT
ajis02-2809	101	12	peu	peu	NOUN
ajis02-2809	101	13	)	)	PUNCT
ajis02-2809	101	14	are	be	AUX
ajis02-2809	101	15	two	two	NUM
ajis02-2809	101	16	core	core	NOUN
ajis02-2809	101	17	constructs	construct	NOUN
ajis02-2809	101	18	in	in	ADP
ajis02-2809	101	19	tam	tam	PROPN
ajis02-2809	101	20	postulated	postulate	VERB
ajis02-2809	101	21	for	for	ADP
ajis02-2809	101	22	influencing	influence	VERB
ajis02-2809	101	23	users	user	NOUN
ajis02-2809	101	24	’	’	PART
ajis02-2809	101	25	attitudes	attitude	NOUN
ajis02-2809	101	26	and	and	CCONJ
ajis02-2809	101	27	intentions	intention	NOUN
ajis02-2809	101	28	towards	towards	ADP
ajis02-2809	101	29	various	various	ADJ
ajis02-2809	101	30	types	type	NOUN
ajis02-2809	101	31	of	of	ADP
ajis02-2809	101	32	technology	technology	NOUN
ajis02-2809	101	33	adoption	adoption	NOUN
ajis02-2809	101	34	(	(	PUNCT
ajis02-2809	101	35	davis	davis	PROPN
ajis02-2809	101	36	,	,	PUNCT
ajis02-2809	101	37	bagozzi	bagozzi	NOUN
ajis02-2809	101	38	,	,	PUNCT
ajis02-2809	101	39	&	&	CCONJ
ajis02-2809	101	40	warshaw	warshaw	PROPN
ajis02-2809	101	41	,	,	PUNCT
ajis02-2809	101	42	1989	1989	NUM
ajis02-2809	101	43	)	)	PUNCT
ajis02-2809	101	44	.	.	PUNCT
ajis02-2809	102	1	there	there	PRON
ajis02-2809	102	2	had	have	AUX
ajis02-2809	102	3	been	be	AUX
ajis02-2809	102	4	a	a	DET
ajis02-2809	102	5	high	high	ADJ
ajis02-2809	102	6	level	level	NOUN
ajis02-2809	102	7	of	of	ADP
ajis02-2809	102	8	consensus	consensus	NOUN
ajis02-2809	102	9	among	among	ADP
ajis02-2809	102	10	the	the	DET
ajis02-2809	102	11	mobile	mobile	ADJ
ajis02-2809	102	12	payment	payment	NOUN
ajis02-2809	102	13	literature	literature	NOUN
ajis02-2809	102	14	that	that	PRON
ajis02-2809	102	15	pu	pu	PROPN
ajis02-2809	102	16	and	and	CCONJ
ajis02-2809	102	17	peu	peu	PROPN
ajis02-2809	102	18	have	have	AUX
ajis02-2809	102	19	demonstrated	demonstrate	VERB
ajis02-2809	102	20	significant	significant	ADJ
ajis02-2809	102	21	positive	positive	ADJ
ajis02-2809	102	22	impacts	impact	NOUN
ajis02-2809	102	23	on	on	ADP
ajis02-2809	102	24	consumers	consumer	NOUN
ajis02-2809	102	25	’	'	PUNCT
ajis02-2809	102	26	intention	intention	NOUN
ajis02-2809	102	27	to	to	PART
ajis02-2809	102	28	adopt	adopt	VERB
ajis02-2809	102	29	and	and	CCONJ
ajis02-2809	102	30	use	use	VERB
ajis02-2809	102	31	mobile	mobile	ADJ
ajis02-2809	102	32	payment	payment	NOUN
ajis02-2809	102	33	(	(	PUNCT
ajis02-2809	102	34	liu	liu	PROPN
ajis02-2809	102	35	et	et	PROPN
ajis02-2809	102	36	al	al	PROPN
ajis02-2809	102	37	.	.	PROPN
ajis02-2809	102	38	,	,	PUNCT
ajis02-2809	102	39	2019	2019	NUM
ajis02-2809	102	40	)	)	PUNCT
ajis02-2809	102	41	.	.	PUNCT
ajis02-2809	103	1	under	under	ADP
ajis02-2809	103	2	such	such	DET
ajis02-2809	103	3	a	a	DET
ajis02-2809	103	4	circumstance	circumstance	NOUN
ajis02-2809	103	5	,	,	PUNCT
ajis02-2809	103	6	the	the	DET
ajis02-2809	103	7	inclusion	inclusion	NOUN
ajis02-2809	103	8	of	of	ADP
ajis02-2809	103	9	pu	pu	PROPN
ajis02-2809	103	10	and	and	CCONJ
ajis02-2809	103	11	peu	peu	PROPN
ajis02-2809	103	12	in	in	ADP
ajis02-2809	103	13	the	the	DET
ajis02-2809	103	14	conceptual	conceptual	ADJ
ajis02-2809	103	15	model	model	NOUN
ajis02-2809	103	16	might	might	AUX
ajis02-2809	103	17	be	be	AUX
ajis02-2809	103	18	overly	overly	ADV
ajis02-2809	103	19	generalized	generalize	VERB
ajis02-2809	103	20	(	(	PUNCT
ajis02-2809	103	21	lim	lim	PROPN
ajis02-2809	103	22	,	,	PUNCT
ajis02-2809	103	23	2018	2018	NUM
ajis02-2809	103	24	)	)	PUNCT
ajis02-2809	103	25	.	.	PUNCT
ajis02-2809	104	1	an	an	DET
ajis02-2809	104	2	alternative	alternative	ADJ
ajis02-2809	104	3	approach	approach	NOUN
ajis02-2809	104	4	would	would	AUX
ajis02-2809	104	5	be	be	AUX
ajis02-2809	104	6	kim	kim	PROPN
ajis02-2809	104	7	,	,	PUNCT
ajis02-2809	104	8	chan	chan	PROPN
ajis02-2809	104	9	,	,	PUNCT
ajis02-2809	104	10	and	and	CCONJ
ajis02-2809	104	11	gupta	gupta	PROPN
ajis02-2809	104	12	’s	’s	PART
ajis02-2809	104	13	(	(	PUNCT
ajis02-2809	104	14	2007	2007	NUM
ajis02-2809	104	15	)	)	PUNCT
ajis02-2809	104	16	value	value	NOUN
ajis02-2809	104	17	-	-	PUNCT
ajis02-2809	104	18	based	base	VERB
ajis02-2809	104	19	adoption	adoption	NOUN
ajis02-2809	104	20	model	model	NOUN
ajis02-2809	104	21	(	(	PUNCT
ajis02-2809	104	22	vam	vam	PROPN
ajis02-2809	104	23	)	)	PUNCT
ajis02-2809	104	24	from	from	ADP
ajis02-2809	104	25	the	the	DET
ajis02-2809	104	26	value	value	NOUN
ajis02-2809	104	27	maximization	maximization	NOUN
ajis02-2809	104	28	perspective	perspective	NOUN
ajis02-2809	104	29	.	.	PUNCT
ajis02-2809	105	1	the	the	DET
ajis02-2809	105	2	original	original	ADJ
ajis02-2809	105	3	vam	vam	NOUN
ajis02-2809	105	4	examines	examines	PROPN
ajis02-2809	105	5	mobile	mobile	ADJ
ajis02-2809	105	6	internet	internet	NOUN
ajis02-2809	105	7	adoption	adoption	NOUN
ajis02-2809	105	8	among	among	ADP
ajis02-2809	105	9	individuals	individual	NOUN
ajis02-2809	105	10	who	who	PRON
ajis02-2809	105	11	play	play	VERB
ajis02-2809	105	12	a	a	DET
ajis02-2809	105	13	dual	dual	ADJ
ajis02-2809	105	14	role	role	NOUN
ajis02-2809	105	15	of	of	ADP
ajis02-2809	105	16	technology	technology	NOUN
ajis02-2809	105	17	users	user	NOUN
ajis02-2809	105	18	and	and	CCONJ
ajis02-2809	105	19	service	service	NOUN
ajis02-2809	105	20	australasian	australasian	ADJ
ajis02-2809	105	21	journal	journal	NOUN
ajis02-2809	105	22	of	of	ADP
ajis02-2809	105	23	information	information	NOUN
ajis02-2809	105	24	systems	systems	PROPN
ajis02-2809	105	25	lai	lai	PROPN
ajis02-2809	105	26	&	&	CCONJ
ajis02-2809	105	27	liew	liew	PROPN
ajis02-2809	105	28	2021	2021	NUM
ajis02-2809	105	29	,	,	PUNCT
ajis02-2809	105	30	vol	vol	NOUN
ajis02-2809	105	31	25	25	NUM
ajis02-2809	105	32	,	,	PUNCT
ajis02-2809	105	33	research	research	NOUN
ajis02-2809	105	34	article	article	NOUN
ajis02-2809	105	35	towards	towards	ADP
ajis02-2809	105	36	a	a	DET
ajis02-2809	105	37	cashless	cashless	NOUN
ajis02-2809	105	38	society	society	NOUN
ajis02-2809	105	39	8	8	NUM
ajis02-2809	105	40	consumers	consumer	NOUN
ajis02-2809	105	41	,	,	PUNCT
ajis02-2809	105	42	similar	similar	ADJ
ajis02-2809	105	43	to	to	ADP
ajis02-2809	105	44	the	the	DET
ajis02-2809	105	45	context	context	NOUN
ajis02-2809	105	46	of	of	ADP
ajis02-2809	105	47	mobile	mobile	ADJ
ajis02-2809	105	48	payment	payment	NOUN
ajis02-2809	105	49	adoption	adoption	NOUN
ajis02-2809	105	50	(	(	PUNCT
ajis02-2809	105	51	kim	kim	PROPN
ajis02-2809	105	52	et	et	PROPN
ajis02-2809	105	53	al	al	PROPN
ajis02-2809	105	54	.	.	PROPN
ajis02-2809	105	55	,	,	PUNCT
ajis02-2809	105	56	2007	2007	NUM
ajis02-2809	105	57	)	)	PUNCT
ajis02-2809	105	58	.	.	PUNCT
ajis02-2809	106	1	due	due	ADP
ajis02-2809	106	2	to	to	ADP
ajis02-2809	106	3	the	the	DET
ajis02-2809	106	4	voluntary	voluntary	ADJ
ajis02-2809	106	5	nature	nature	NOUN
ajis02-2809	106	6	of	of	ADP
ajis02-2809	106	7	adoption	adoption	NOUN
ajis02-2809	106	8	,	,	PUNCT
ajis02-2809	106	9	users	user	NOUN
ajis02-2809	106	10	tend	tend	VERB
ajis02-2809	106	11	to	to	PART
ajis02-2809	106	12	evaluate	evaluate	VERB
ajis02-2809	106	13	the	the	DET
ajis02-2809	106	14	trade	trade	NOUN
ajis02-2809	106	15	-	-	PUNCT
ajis02-2809	106	16	off	off	NOUN
ajis02-2809	106	17	between	between	ADP
ajis02-2809	106	18	total	total	ADJ
ajis02-2809	106	19	benefits	benefit	NOUN
ajis02-2809	106	20	received	receive	VERB
ajis02-2809	106	21	and	and	CCONJ
ajis02-2809	106	22	total	total	ADJ
ajis02-2809	106	23	costs	cost	NOUN
ajis02-2809	106	24	of	of	ADP
ajis02-2809	106	25	sacrifice	sacrifice	NOUN
ajis02-2809	106	26	involved	involve	VERB
ajis02-2809	106	27	in	in	ADP
ajis02-2809	106	28	using	use	VERB
ajis02-2809	106	29	mobile	mobile	ADJ
ajis02-2809	106	30	payment	payment	NOUN
ajis02-2809	106	31	services	service	NOUN
ajis02-2809	106	32	based	base	VERB
ajis02-2809	106	33	on	on	ADP
ajis02-2809	106	34	value	value	NOUN
ajis02-2809	106	35	perceptions	perception	NOUN
ajis02-2809	106	36	(	(	PUNCT
ajis02-2809	106	37	de	de	X
ajis02-2809	106	38	kerviler	kerviler	NOUN
ajis02-2809	106	39	et	et	PROPN
ajis02-2809	106	40	al	al	PROPN
ajis02-2809	106	41	.	.	PROPN
ajis02-2809	106	42	,	,	PUNCT
ajis02-2809	106	43	2016	2016	NUM
ajis02-2809	106	44	;	;	PUNCT
ajis02-2809	106	45	kim	kim	PROPN
ajis02-2809	106	46	et	et	PROPN
ajis02-2809	106	47	al	al	PROPN
ajis02-2809	106	48	.	.	PROPN
ajis02-2809	106	49	,	,	PUNCT
ajis02-2809	106	50	2007	2007	NUM
ajis02-2809	106	51	)	)	PUNCT
ajis02-2809	106	52	.	.	PUNCT
ajis02-2809	107	1	from	from	ADP
ajis02-2809	107	2	the	the	DET
ajis02-2809	107	3	utilitarian	utilitarian	ADJ
ajis02-2809	107	4	perspective	perspective	NOUN
ajis02-2809	107	5	of	of	ADP
ajis02-2809	107	6	perceived	perceive	VERB
ajis02-2809	107	7	value	value	NOUN
ajis02-2809	107	8	theory	theory	NOUN
ajis02-2809	107	9	,	,	PUNCT
ajis02-2809	107	10	individual	individual	NOUN
ajis02-2809	107	11	will	will	AUX
ajis02-2809	107	12	maximize	maximize	VERB
ajis02-2809	107	13	positive	positive	ADJ
ajis02-2809	107	14	utility	utility	NOUN
ajis02-2809	107	15	(	(	PUNCT
ajis02-2809	107	16	perceived	perceive	VERB
ajis02-2809	107	17	benefits	benefit	NOUN
ajis02-2809	107	18	)	)	PUNCT
ajis02-2809	107	19	and	and	CCONJ
ajis02-2809	107	20	minimize	minimize	VERB
ajis02-2809	107	21	negative	negative	ADJ
ajis02-2809	107	22	utility	utility	NOUN
ajis02-2809	107	23	(	(	PUNCT
ajis02-2809	107	24	perceived	perceive	VERB
ajis02-2809	107	25	costs	cost	NOUN
ajis02-2809	107	26	of	of	ADP
ajis02-2809	107	27	sacrifice	sacrifice	NOUN
ajis02-2809	107	28	)	)	PUNCT
ajis02-2809	107	29	to	to	PART
ajis02-2809	107	30	assess	assess	VERB
ajis02-2809	107	31	the	the	DET
ajis02-2809	107	32	overall	overall	ADJ
ajis02-2809	107	33	net	net	ADJ
ajis02-2809	107	34	utility	utility	NOUN
ajis02-2809	107	35	of	of	ADP
ajis02-2809	107	36	a	a	DET
ajis02-2809	107	37	product	product	NOUN
ajis02-2809	107	38	or	or	CCONJ
ajis02-2809	107	39	service	service	NOUN
ajis02-2809	107	40	in	in	ADP
ajis02-2809	107	41	the	the	DET
ajis02-2809	107	42	service	service	NOUN
ajis02-2809	107	43	industry	industry	NOUN
ajis02-2809	107	44	(	(	PUNCT
ajis02-2809	107	45	boksberger	boksberger	NOUN
ajis02-2809	107	46	&	&	CCONJ
ajis02-2809	107	47	melsen	melsen	PROPN
ajis02-2809	107	48	,	,	PUNCT
ajis02-2809	107	49	2011	2011	NUM
ajis02-2809	107	50	;	;	PUNCT
ajis02-2809	107	51	sánchez	sánchez	NOUN
ajis02-2809	107	52	-	-	PUNCT
ajis02-2809	107	53	fernández	fernández	PROPN
ajis02-2809	107	54	&	&	CCONJ
ajis02-2809	107	55	iniesta	iniesta	PROPN
ajis02-2809	107	56	-	-	PUNCT
ajis02-2809	107	57	bonillo	bonillo	PROPN
ajis02-2809	107	58	,	,	PUNCT
ajis02-2809	107	59	2007	2007	NUM
ajis02-2809	107	60	)	)	PUNCT
ajis02-2809	107	61	.	.	PUNCT
ajis02-2809	108	1	convenience	convenience	NOUN
ajis02-2809	108	2	exemplifies	exemplify	VERB
ajis02-2809	108	3	perceived	perceive	VERB
ajis02-2809	108	4	utilitarian	utilitarian	ADJ
ajis02-2809	108	5	value	value	NOUN
ajis02-2809	108	6	that	that	PRON
ajis02-2809	108	7	appears	appear	VERB
ajis02-2809	108	8	particularly	particularly	ADV
ajis02-2809	108	9	important	important	ADJ
ajis02-2809	108	10	for	for	ADP
ajis02-2809	108	11	influencing	influence	VERB
ajis02-2809	108	12	mobile	mobile	ADJ
ajis02-2809	108	13	payment	payment	NOUN
ajis02-2809	108	14	adoption	adoption	NOUN
ajis02-2809	108	15	(	(	PUNCT
ajis02-2809	108	16	de	de	X
ajis02-2809	108	17	kerviler	kerviler	NOUN
ajis02-2809	108	18	et	et	PROPN
ajis02-2809	108	19	al	al	PROPN
ajis02-2809	108	20	.	.	PROPN
ajis02-2809	108	21	,	,	PUNCT
ajis02-2809	108	22	2016	2016	NUM
ajis02-2809	108	23	;	;	PUNCT
ajis02-2809	108	24	teo	teo	PROPN
ajis02-2809	108	25	et	et	PROPN
ajis02-2809	108	26	al	al	PROPN
ajis02-2809	108	27	.	.	PROPN
ajis02-2809	108	28	,	,	PUNCT
ajis02-2809	108	29	2015	2015	NUM
ajis02-2809	108	30	)	)	PUNCT
ajis02-2809	108	31	.	.	PUNCT
ajis02-2809	109	1	in	in	ADP
ajis02-2809	109	2	contrast	contrast	NOUN
ajis02-2809	109	3	,	,	PUNCT
ajis02-2809	109	4	security	security	NOUN
ajis02-2809	109	5	risks	risk	NOUN
ajis02-2809	109	6	represent	represent	VERB
ajis02-2809	109	7	perceived	perceive	VERB
ajis02-2809	109	8	costs	cost	NOUN
ajis02-2809	109	9	of	of	ADP
ajis02-2809	109	10	sacrifice	sacrifice	NOUN
ajis02-2809	109	11	associated	associate	VERB
ajis02-2809	109	12	with	with	ADP
ajis02-2809	109	13	consumption	consumption	NOUN
ajis02-2809	109	14	that	that	PRON
ajis02-2809	109	15	negatively	negatively	ADV
ajis02-2809	109	16	connote	connote	VERB
ajis02-2809	109	17	potential	potential	ADJ
ajis02-2809	109	18	sacrifices	sacrifice	NOUN
ajis02-2809	109	19	in	in	ADP
ajis02-2809	109	20	terms	term	NOUN
ajis02-2809	109	21	of	of	ADP
ajis02-2809	109	22	monetary	monetary	ADJ
ajis02-2809	109	23	and	and	CCONJ
ajis02-2809	109	24	psychological	psychological	ADJ
ajis02-2809	109	25	losses	loss	NOUN
ajis02-2809	109	26	(	(	PUNCT
ajis02-2809	109	27	de	de	X
ajis02-2809	109	28	kerviler	kerviler	NOUN
ajis02-2809	109	29	et	et	PROPN
ajis02-2809	109	30	al	al	PROPN
ajis02-2809	109	31	.	.	PROPN
ajis02-2809	109	32	,	,	PUNCT
ajis02-2809	109	33	2016	2016	NUM
ajis02-2809	109	34	)	)	PUNCT
ajis02-2809	109	35	.	.	PUNCT
ajis02-2809	110	1	studies	study	NOUN
ajis02-2809	110	2	in	in	ADP
ajis02-2809	110	3	malaysia	malaysia	PROPN
ajis02-2809	110	4	have	have	AUX
ajis02-2809	110	5	extended	extend	VERB
ajis02-2809	110	6	tam	tam	NOUN
ajis02-2809	110	7	to	to	PART
ajis02-2809	110	8	include	include	VERB
ajis02-2809	110	9	convenience	convenience	NOUN
ajis02-2809	110	10	and	and	CCONJ
ajis02-2809	110	11	security	security	NOUN
ajis02-2809	110	12	as	as	ADP
ajis02-2809	110	13	external	external	ADJ
ajis02-2809	110	14	stimuli	stimulus	NOUN
ajis02-2809	110	15	in	in	ADP
ajis02-2809	110	16	influencing	influence	VERB
ajis02-2809	110	17	pu	pu	PROPN
ajis02-2809	110	18	and	and	CCONJ
ajis02-2809	110	19	peu	peu	VERB
ajis02-2809	110	20	for	for	ADP
ajis02-2809	110	21	mobile	mobile	ADJ
ajis02-2809	110	22	payment	payment	NOUN
ajis02-2809	110	23	adoption	adoption	NOUN
ajis02-2809	110	24	(	(	PUNCT
ajis02-2809	110	25	lai	lai	PROPN
ajis02-2809	110	26	,	,	PUNCT
ajis02-2809	110	27	2017	2017	NUM
ajis02-2809	110	28	;	;	PUNCT
ajis02-2809	110	29	lai	lai	PROPN
ajis02-2809	110	30	et	et	PROPN
ajis02-2809	110	31	al	al	PROPN
ajis02-2809	110	32	.	.	PROPN
ajis02-2809	110	33	,	,	PUNCT
ajis02-2809	110	34	2019	2019	NUM
ajis02-2809	110	35	)	)	PUNCT
ajis02-2809	110	36	.	.	PUNCT
ajis02-2809	111	1	however	however	ADV
ajis02-2809	111	2	,	,	PUNCT
ajis02-2809	111	3	liu	liu	PROPN
ajis02-2809	111	4	et	et	PROPN
ajis02-2809	111	5	al	al	PROPN
ajis02-2809	111	6	.	.	PROPN
ajis02-2809	111	7	’s	’s	PART
ajis02-2809	111	8	(	(	PUNCT
ajis02-2809	111	9	2019	2019	NUM
ajis02-2809	111	10	)	)	PUNCT
ajis02-2809	111	11	meta	meta	NOUN
ajis02-2809	111	12	-	-	PUNCT
ajis02-2809	111	13	analysis	analysis	NOUN
ajis02-2809	111	14	of	of	ADP
ajis02-2809	111	15	sixty	sixty	NUM
ajis02-2809	111	16	-	-	PUNCT
ajis02-2809	111	17	one	one	NUM
ajis02-2809	111	18	(	(	PUNCT
ajis02-2809	111	19	61	61	NUM
ajis02-2809	111	20	)	)	PUNCT
ajis02-2809	111	21	information	information	NOUN
ajis02-2809	111	22	systems	system	NOUN
ajis02-2809	111	23	(	(	PUNCT
ajis02-2809	111	24	is	be	AUX
ajis02-2809	111	25	)	)	PUNCT
ajis02-2809	111	26	studies	study	NOUN
ajis02-2809	111	27	found	find	VERB
ajis02-2809	111	28	that	that	SCONJ
ajis02-2809	111	29	neither	neither	CCONJ
ajis02-2809	111	30	perceived	perceive	VERB
ajis02-2809	111	31	convenience	convenience	NOUN
ajis02-2809	111	32	nor	nor	CCONJ
ajis02-2809	111	33	perceived	perceive	VERB
ajis02-2809	111	34	security	security	NOUN
ajis02-2809	111	35	correlates	correlate	VERB
ajis02-2809	111	36	with	with	ADP
ajis02-2809	111	37	pu	pu	PROPN
ajis02-2809	111	38	and	and	CCONJ
ajis02-2809	111	39	peu	peu	VERB
ajis02-2809	111	40	for	for	ADP
ajis02-2809	111	41	mobile	mobile	ADJ
ajis02-2809	111	42	payment	payment	NOUN
ajis02-2809	111	43	adoption	adoption	NOUN
ajis02-2809	111	44	.	.	PUNCT
ajis02-2809	112	1	this	this	DET
ajis02-2809	112	2	study	study	NOUN
ajis02-2809	112	3	decided	decide	VERB
ajis02-2809	112	4	not	not	PART
ajis02-2809	112	5	to	to	PART
ajis02-2809	112	6	include	include	VERB
ajis02-2809	112	7	pu	pu	PROPN
ajis02-2809	112	8	and	and	CCONJ
ajis02-2809	112	9	peu	peu	PROPN
ajis02-2809	112	10	as	as	ADP
ajis02-2809	112	11	the	the	DET
ajis02-2809	112	12	de	de	X
ajis02-2809	112	13	facto	facto	X
ajis02-2809	112	14	variables	variable	NOUN
ajis02-2809	112	15	in	in	ADP
ajis02-2809	112	16	our	our	PRON
ajis02-2809	112	17	conceptual	conceptual	ADJ
ajis02-2809	112	18	model	model	NOUN
ajis02-2809	112	19	as	as	SCONJ
ajis02-2809	112	20	we	we	PRON
ajis02-2809	112	21	are	be	AUX
ajis02-2809	112	22	more	more	ADV
ajis02-2809	112	23	interested	interested	ADJ
ajis02-2809	112	24	in	in	ADP
ajis02-2809	112	25	examining	examine	VERB
ajis02-2809	112	26	the	the	DET
ajis02-2809	112	27	effects	effect	NOUN
ajis02-2809	112	28	of	of	ADP
ajis02-2809	112	29	convenience	convenience	NOUN
ajis02-2809	112	30	and	and	CCONJ
ajis02-2809	112	31	security	security	NOUN
ajis02-2809	112	32	on	on	ADP
ajis02-2809	112	33	adoption	adoption	NOUN
ajis02-2809	112	34	intention	intention	NOUN
ajis02-2809	112	35	from	from	ADP
ajis02-2809	112	36	the	the	DET
ajis02-2809	112	37	perceived	perceive	VERB
ajis02-2809	112	38	value	value	NOUN
ajis02-2809	112	39	perspective	perspective	NOUN
ajis02-2809	112	40	(	(	PUNCT
ajis02-2809	112	41	see	see	VERB
ajis02-2809	112	42	figure	figure	NOUN
ajis02-2809	112	43	5	5	NUM
ajis02-2809	112	44	)	)	PUNCT
ajis02-2809	112	45	.	.	PUNCT
ajis02-2809	113	1	vam	vam	PROPN
ajis02-2809	113	2	is	be	AUX
ajis02-2809	113	3	preferred	prefer	VERB
ajis02-2809	113	4	over	over	ADP
ajis02-2809	113	5	tam	tam	X
ajis02-2809	113	6	to	to	PART
ajis02-2809	113	7	appropriately	appropriately	ADV
ajis02-2809	113	8	evaluate	evaluate	VERB
ajis02-2809	113	9	the	the	DET
ajis02-2809	113	10	cost	cost	NOUN
ajis02-2809	113	11	(	(	PUNCT
ajis02-2809	113	12	i.e.	i.e.	X
ajis02-2809	113	13	,	,	PUNCT
ajis02-2809	113	14	perceived	perceive	VERB
ajis02-2809	113	15	security	security	NOUN
ajis02-2809	113	16	)	)	PUNCT
ajis02-2809	113	17	and	and	CCONJ
ajis02-2809	113	18	benefit	benefit	NOUN
ajis02-2809	113	19	(	(	PUNCT
ajis02-2809	113	20	i.e.	i.e.	X
ajis02-2809	113	21	,	,	PUNCT
ajis02-2809	113	22	perceived	perceive	VERB
ajis02-2809	113	23	convenience	convenience	NOUN
ajis02-2809	113	24	)	)	PUNCT
ajis02-2809	113	25	associated	associate	VERB
ajis02-2809	113	26	with	with	ADP
ajis02-2809	113	27	adoption	adoption	NOUN
ajis02-2809	113	28	intention	intention	NOUN
ajis02-2809	113	29	among	among	ADP
ajis02-2809	113	30	consumers	consumer	NOUN
ajis02-2809	113	31	(	(	PUNCT
ajis02-2809	113	32	nayal	nayal	PROPN
ajis02-2809	113	33	,	,	PUNCT
ajis02-2809	113	34	pandey	pandey	PROPN
ajis02-2809	113	35	,	,	PUNCT
ajis02-2809	113	36	&	&	CCONJ
ajis02-2809	113	37	paul	paul	PROPN
ajis02-2809	113	38	,	,	PUNCT
ajis02-2809	113	39	2021	2021	NUM
ajis02-2809	113	40	;	;	PUNCT
ajis02-2809	113	41	vishwakarma	vishwakarma	NOUN
ajis02-2809	113	42	,	,	PUNCT
ajis02-2809	113	43	mukherjee	mukherjee	NOUN
ajis02-2809	113	44	,	,	PUNCT
ajis02-2809	113	45	&	&	CCONJ
ajis02-2809	113	46	datta	datta	PROPN
ajis02-2809	113	47	,	,	PUNCT
ajis02-2809	113	48	2020	2020	NUM
ajis02-2809	113	49	)	)	PUNCT
ajis02-2809	113	50	.	.	PUNCT
ajis02-2809	114	1	drawing	draw	VERB
ajis02-2809	114	2	from	from	ADP
ajis02-2809	114	3	perceived	perceive	VERB
ajis02-2809	114	4	value	value	NOUN
ajis02-2809	114	5	theory	theory	NOUN
ajis02-2809	114	6	,	,	PUNCT
ajis02-2809	114	7	this	this	DET
ajis02-2809	114	8	study	study	NOUN
ajis02-2809	114	9	proposed	propose	VERB
ajis02-2809	114	10	a	a	DET
ajis02-2809	114	11	research	research	NOUN
ajis02-2809	114	12	model	model	NOUN
ajis02-2809	114	13	that	that	PRON
ajis02-2809	114	14	excludes	exclude	VERB
ajis02-2809	114	15	tam	tam	PROPN
ajis02-2809	114	16	’s	’s	PART
ajis02-2809	114	17	core	core	NOUN
ajis02-2809	114	18	constructs	construct	NOUN
ajis02-2809	114	19	,	,	PUNCT
ajis02-2809	114	20	namely	namely	ADV
ajis02-2809	114	21	pu	pu	PROPN
ajis02-2809	114	22	and	and	CCONJ
ajis02-2809	114	23	peu	peu	PROPN
ajis02-2809	114	24	.	.	PUNCT
ajis02-2809	115	1	instead	instead	ADV
ajis02-2809	115	2	,	,	PUNCT
ajis02-2809	115	3	our	our	PRON
ajis02-2809	115	4	proposed	propose	VERB
ajis02-2809	115	5	model	model	NOUN
ajis02-2809	115	6	directly	directly	ADV
ajis02-2809	115	7	examines	examine	VERB
ajis02-2809	115	8	the	the	DET
ajis02-2809	115	9	effect	effect	NOUN
ajis02-2809	115	10	of	of	ADP
ajis02-2809	115	11	perceived	perceive	VERB
ajis02-2809	115	12	convenience	convenience	NOUN
ajis02-2809	115	13	and	and	CCONJ
ajis02-2809	115	14	perceived	perceive	VERB
ajis02-2809	115	15	security	security	NOUN
ajis02-2809	115	16	on	on	ADP
ajis02-2809	115	17	individual	individual	ADJ
ajis02-2809	115	18	users	user	NOUN
ajis02-2809	115	19	’	'	PUNCT
ajis02-2809	115	20	behavioral	behavioral	ADJ
ajis02-2809	115	21	intention	intention	NOUN
ajis02-2809	115	22	to	to	PART
ajis02-2809	115	23	use	use	VERB
ajis02-2809	115	24	a	a	DET
ajis02-2809	115	25	gamified	gamifie	VERB
ajis02-2809	115	26	mobile	mobile	ADJ
ajis02-2809	115	27	payment	payment	NOUN
ajis02-2809	115	28	platform	platform	NOUN
ajis02-2809	115	29	in	in	ADP
ajis02-2809	115	30	the	the	DET
ajis02-2809	115	31	service	service	NOUN
ajis02-2809	115	32	marketing	marketing	NOUN
ajis02-2809	115	33	industry	industry	NOUN
ajis02-2809	115	34	.	.	PUNCT
ajis02-2809	116	1	the	the	DET
ajis02-2809	116	2	proposed	propose	VERB
ajis02-2809	116	3	model	model	NOUN
ajis02-2809	116	4	also	also	ADV
ajis02-2809	116	5	investigates	investigate	VERB
ajis02-2809	116	6	the	the	DET
ajis02-2809	116	7	relationship	relationship	NOUN
ajis02-2809	116	8	between	between	ADP
ajis02-2809	116	9	convenience	convenience	NOUN
ajis02-2809	116	10	and	and	CCONJ
ajis02-2809	116	11	security	security	NOUN
ajis02-2809	116	12	;	;	PUNCT
ajis02-2809	116	13	both	both	PRON
ajis02-2809	116	14	were	be	AUX
ajis02-2809	116	15	previously	previously	ADV
ajis02-2809	116	16	conceptualized	conceptualize	VERB
ajis02-2809	116	17	as	as	ADP
ajis02-2809	116	18	external	external	ADJ
ajis02-2809	116	19	constructs	construct	NOUN
ajis02-2809	116	20	in	in	ADP
ajis02-2809	116	21	tam	tam	PROPN
ajis02-2809	116	22	(	(	PUNCT
ajis02-2809	116	23	lai	lai	PROPN
ajis02-2809	116	24	,	,	PUNCT
ajis02-2809	116	25	2017	2017	NUM
ajis02-2809	116	26	;	;	PUNCT
ajis02-2809	116	27	lai	lai	PROPN
ajis02-2809	116	28	et	et	PROPN
ajis02-2809	116	29	al	al	PROPN
ajis02-2809	116	30	.	.	PROPN
ajis02-2809	116	31	,	,	PUNCT
ajis02-2809	116	32	2019	2019	NUM
ajis02-2809	116	33	)	)	PUNCT
ajis02-2809	116	34	.	.	PUNCT
ajis02-2809	117	1	figure	figure	NOUN
ajis02-2809	117	2	5	5	NUM
ajis02-2809	117	3	.	.	PUNCT
ajis02-2809	117	4	proposed	propose	VERB
ajis02-2809	117	5	research	research	NOUN
ajis02-2809	117	6	model	model	NOUN
ajis02-2809	117	7	perceived	perceive	VERB
ajis02-2809	117	8	convenience	convenience	NOUN
ajis02-2809	117	9	perceived	perceive	VERB
ajis02-2809	117	10	security	security	NOUN
ajis02-2809	117	11	intention	intention	NOUN
ajis02-2809	117	12	to	to	PART
ajis02-2809	117	13	use	use	VERB
ajis02-2809	117	14	h1	h1	PROPN
ajis02-2809	117	15	h2	h2	PROPN
ajis02-2809	117	16	h3	h3	NOUN
ajis02-2809	117	17	multigroup	multigroup	ADJ
ajis02-2809	117	18	analysis	analysis	NOUN
ajis02-2809	117	19	:	:	PUNCT
ajis02-2809	117	20	overall	overall	ADJ
ajis02-2809	117	21	,	,	PUNCT
ajis02-2809	117	22	interested	interested	ADJ
ajis02-2809	117	23	users	user	NOUN
ajis02-2809	117	24	,	,	PUNCT
ajis02-2809	117	25	and	and	CCONJ
ajis02-2809	117	26	non	non	ADJ
ajis02-2809	117	27	-	-	ADJ
ajis02-2809	117	28	interested	interested	ADJ
ajis02-2809	117	29	users	user	NOUN
ajis02-2809	117	30	australasian	australasian	ADJ
ajis02-2809	117	31	journal	journal	NOUN
ajis02-2809	117	32	of	of	ADP
ajis02-2809	117	33	information	information	NOUN
ajis02-2809	117	34	systems	systems	PROPN
ajis02-2809	117	35	lai	lai	PROPN
ajis02-2809	117	36	&	&	CCONJ
ajis02-2809	117	37	liew	liew	PROPN
ajis02-2809	117	38	2021	2021	NUM
ajis02-2809	117	39	,	,	PUNCT
ajis02-2809	117	40	vol	vol	NOUN
ajis02-2809	117	41	25	25	NUM
ajis02-2809	117	42	,	,	PUNCT
ajis02-2809	117	43	research	research	NOUN
ajis02-2809	117	44	article	article	NOUN
ajis02-2809	117	45	towards	towards	ADP
ajis02-2809	117	46	a	a	DET
ajis02-2809	117	47	cashless	cashless	NOUN
ajis02-2809	117	48	society	society	NOUN
ajis02-2809	117	49	9	9	NUM
ajis02-2809	117	50	4.1	4.1	NUM
ajis02-2809	117	51	convenience	convenience	NOUN
ajis02-2809	117	52	the	the	DET
ajis02-2809	117	53	concept	concept	NOUN
ajis02-2809	117	54	of	of	ADP
ajis02-2809	117	55	perceived	perceive	VERB
ajis02-2809	117	56	convenience	convenience	NOUN
ajis02-2809	117	57	has	have	AUX
ajis02-2809	117	58	been	be	AUX
ajis02-2809	117	59	popular	popular	ADJ
ajis02-2809	117	60	in	in	ADP
ajis02-2809	117	61	conventional	conventional	ADJ
ajis02-2809	117	62	shopping	shopping	NOUN
ajis02-2809	117	63	(	(	PUNCT
ajis02-2809	117	64	farquhar	farquhar	PROPN
ajis02-2809	117	65	&	&	CCONJ
ajis02-2809	117	66	rowley	rowley	PROPN
ajis02-2809	117	67	,	,	PUNCT
ajis02-2809	117	68	2009	2009	NUM
ajis02-2809	117	69	)	)	PUNCT
ajis02-2809	117	70	and	and	CCONJ
ajis02-2809	117	71	online	online	NOUN
ajis02-2809	117	72	shopping	shopping	NOUN
ajis02-2809	117	73	(	(	PUNCT
ajis02-2809	117	74	jiang	jiang	PROPN
ajis02-2809	117	75	,	,	PUNCT
ajis02-2809	117	76	yang	yang	PROPN
ajis02-2809	117	77	,	,	PUNCT
ajis02-2809	117	78	&	&	CCONJ
ajis02-2809	117	79	jun	jun	PROPN
ajis02-2809	117	80	,	,	PUNCT
ajis02-2809	117	81	2013	2013	NUM
ajis02-2809	117	82	)	)	PUNCT
ajis02-2809	117	83	as	as	ADP
ajis02-2809	117	84	essential	essential	ADJ
ajis02-2809	117	85	for	for	ADP
ajis02-2809	117	86	customer	customer	NOUN
ajis02-2809	117	87	satisfaction	satisfaction	NOUN
ajis02-2809	117	88	and	and	CCONJ
ajis02-2809	117	89	intention	intention	NOUN
ajis02-2809	117	90	(	(	PUNCT
ajis02-2809	117	91	colwell	colwell	PROPN
ajis02-2809	117	92	,	,	PUNCT
ajis02-2809	117	93	aung	aung	PROPN
ajis02-2809	117	94	,	,	PUNCT
ajis02-2809	117	95	kanetkar	kanetkar	NOUN
ajis02-2809	117	96	,	,	PUNCT
ajis02-2809	117	97	&	&	CCONJ
ajis02-2809	117	98	holden	holden	PROPN
ajis02-2809	117	99	,	,	PUNCT
ajis02-2809	117	100	2008	2008	NUM
ajis02-2809	117	101	;	;	PUNCT
ajis02-2809	117	102	seiders	seider	NOUN
ajis02-2809	117	103	,	,	PUNCT
ajis02-2809	117	104	voss	voss	PROPN
ajis02-2809	117	105	,	,	PUNCT
ajis02-2809	117	106	godfrey	godfrey	PROPN
ajis02-2809	117	107	,	,	PUNCT
ajis02-2809	117	108	&	&	CCONJ
ajis02-2809	117	109	grewal	grewal	PROPN
ajis02-2809	117	110	,	,	PUNCT
ajis02-2809	117	111	2007	2007	NUM
ajis02-2809	117	112	)	)	PUNCT
ajis02-2809	117	113	.	.	PUNCT
ajis02-2809	118	1	convenience	convenience	NOUN
ajis02-2809	118	2	is	be	AUX
ajis02-2809	118	3	a	a	DET
ajis02-2809	118	4	crucial	crucial	ADJ
ajis02-2809	118	5	element	element	NOUN
ajis02-2809	118	6	of	of	ADP
ajis02-2809	118	7	perceived	perceive	VERB
ajis02-2809	118	8	value	value	NOUN
ajis02-2809	118	9	for	for	ADP
ajis02-2809	118	10	e	e	NOUN
ajis02-2809	118	11	-	-	NOUN
ajis02-2809	118	12	commerce	commerce	NOUN
ajis02-2809	118	13	adoption	adoption	NOUN
ajis02-2809	118	14	(	(	PUNCT
ajis02-2809	118	15	weissman	weissman	PROPN
ajis02-2809	118	16	,	,	PUNCT
ajis02-2809	118	17	2012	2012	NUM
ajis02-2809	118	18	)	)	PUNCT
ajis02-2809	118	19	and	and	CCONJ
ajis02-2809	118	20	particularly	particularly	ADV
ajis02-2809	118	21	mobile	mobile	ADJ
ajis02-2809	118	22	payment	payment	NOUN
ajis02-2809	118	23	adoption	adoption	NOUN
ajis02-2809	118	24	(	(	PUNCT
ajis02-2809	118	25	de	de	X
ajis02-2809	118	26	kerviler	kerviler	NOUN
ajis02-2809	118	27	et	et	PROPN
ajis02-2809	118	28	al	al	PROPN
ajis02-2809	118	29	.	.	PROPN
ajis02-2809	118	30	,	,	PUNCT
ajis02-2809	118	31	2016	2016	NUM
ajis02-2809	118	32	;	;	PUNCT
ajis02-2809	118	33	teo	teo	PROPN
ajis02-2809	118	34	et	et	PROPN
ajis02-2809	118	35	al	al	PROPN
ajis02-2809	118	36	.	.	PROPN
ajis02-2809	118	37	,	,	PUNCT
ajis02-2809	118	38	2015	2015	NUM
ajis02-2809	118	39	)	)	PUNCT
ajis02-2809	118	40	.	.	PUNCT
ajis02-2809	119	1	copeland	copeland	PROPN
ajis02-2809	119	2	(	(	PUNCT
ajis02-2809	119	3	1923	1923	NUM
ajis02-2809	119	4	)	)	PUNCT
ajis02-2809	119	5	first	first	ADV
ajis02-2809	119	6	introduced	introduce	VERB
ajis02-2809	119	7	the	the	DET
ajis02-2809	119	8	term	term	NOUN
ajis02-2809	119	9	convenience	convenience	NOUN
ajis02-2809	119	10	,	,	PUNCT
ajis02-2809	119	11	referring	refer	VERB
ajis02-2809	119	12	to	to	ADP
ajis02-2809	119	13	the	the	DET
ajis02-2809	119	14	degree	degree	NOUN
ajis02-2809	119	15	to	to	PART
ajis02-2809	119	16	which	which	PRON
ajis02-2809	119	17	little	little	ADJ
ajis02-2809	119	18	cognitive	cognitive	ADJ
ajis02-2809	119	19	efforts	effort	NOUN
ajis02-2809	119	20	are	be	AUX
ajis02-2809	119	21	required	require	VERB
ajis02-2809	119	22	for	for	ADP
ajis02-2809	119	23	decision	decision	NOUN
ajis02-2809	119	24	making	making	NOUN
ajis02-2809	119	25	,	,	PUNCT
ajis02-2809	119	26	including	include	VERB
ajis02-2809	119	27	time	time	NOUN
ajis02-2809	119	28	-	-	PUNCT
ajis02-2809	119	29	buying	buying	NOUN
ajis02-2809	119	30	or	or	CCONJ
ajis02-2809	119	31	timesaving	timesave	VERB
ajis02-2809	119	32	efforts	effort	NOUN
ajis02-2809	119	33	.	.	PUNCT
ajis02-2809	120	1	a	a	DET
ajis02-2809	120	2	product	product	NOUN
ajis02-2809	120	3	or	or	CCONJ
ajis02-2809	120	4	service	service	NOUN
ajis02-2809	120	5	is	be	AUX
ajis02-2809	120	6	deemed	deem	VERB
ajis02-2809	120	7	to	to	PART
ajis02-2809	120	8	be	be	AUX
ajis02-2809	120	9	convenient	convenient	ADJ
ajis02-2809	120	10	if	if	SCONJ
ajis02-2809	120	11	it	it	PRON
ajis02-2809	120	12	saves	save	VERB
ajis02-2809	120	13	time	time	NOUN
ajis02-2809	120	14	and	and	CCONJ
ajis02-2809	120	15	reduces	reduce	VERB
ajis02-2809	120	16	cognitive	cognitive	ADJ
ajis02-2809	120	17	,	,	PUNCT
ajis02-2809	120	18	emotional	emotional	ADJ
ajis02-2809	120	19	,	,	PUNCT
ajis02-2809	120	20	and	and	CCONJ
ajis02-2809	120	21	physical	physical	ADJ
ajis02-2809	120	22	burdens	burden	NOUN
ajis02-2809	120	23	for	for	ADP
ajis02-2809	120	24	users	user	NOUN
ajis02-2809	120	25	(	(	PUNCT
ajis02-2809	120	26	chang	chang	PROPN
ajis02-2809	120	27	&	&	CCONJ
ajis02-2809	120	28	polonsky	polonsky	PROPN
ajis02-2809	120	29	,	,	PUNCT
ajis02-2809	120	30	2012	2012	NUM
ajis02-2809	120	31	)	)	PUNCT
ajis02-2809	120	32	.	.	PUNCT
ajis02-2809	121	1	in	in	ADP
ajis02-2809	121	2	managing	manage	VERB
ajis02-2809	121	3	consumer	consumer	NOUN
ajis02-2809	121	4	behavior	behavior	NOUN
ajis02-2809	121	5	,	,	PUNCT
ajis02-2809	121	6	kaufmann	kaufmann	PROPN
ajis02-2809	121	7	(	(	PUNCT
ajis02-2809	121	8	2014	2014	NUM
ajis02-2809	121	9	)	)	PUNCT
ajis02-2809	121	10	argued	argue	VERB
ajis02-2809	121	11	that	that	SCONJ
ajis02-2809	121	12	a	a	DET
ajis02-2809	121	13	consumer	consumer	NOUN
ajis02-2809	121	14	-	-	PUNCT
ajis02-2809	121	15	centric	centric	ADJ
ajis02-2809	121	16	definition	definition	NOUN
ajis02-2809	121	17	of	of	ADP
ajis02-2809	121	18	convenience	convenience	NOUN
ajis02-2809	121	19	is	be	AUX
ajis02-2809	121	20	preferred	prefer	VERB
ajis02-2809	121	21	over	over	ADP
ajis02-2809	121	22	the	the	DET
ajis02-2809	121	23	researcher	researcher	NOUN
ajis02-2809	121	24	’s	’s	PART
ajis02-2809	121	25	definition	definition	NOUN
ajis02-2809	121	26	.	.	PUNCT
ajis02-2809	122	1	furthermore	furthermore	ADV
ajis02-2809	122	2	,	,	PUNCT
ajis02-2809	122	3	consumers	consumer	NOUN
ajis02-2809	122	4	’	'	PUNCT
ajis02-2809	122	5	perceived	perceive	VERB
ajis02-2809	122	6	convenience	convenience	NOUN
ajis02-2809	122	7	is	be	AUX
ajis02-2809	122	8	a	a	DET
ajis02-2809	122	9	context	context	NOUN
ajis02-2809	122	10	-	-	PUNCT
ajis02-2809	122	11	based	base	VERB
ajis02-2809	122	12	concept	concept	NOUN
ajis02-2809	122	13	that	that	PRON
ajis02-2809	122	14	could	could	AUX
ajis02-2809	122	15	vary	vary	VERB
ajis02-2809	122	16	from	from	ADP
ajis02-2809	122	17	one	one	NUM
ajis02-2809	122	18	context	context	NOUN
ajis02-2809	122	19	to	to	ADP
ajis02-2809	122	20	another	another	PRON
ajis02-2809	122	21	(	(	PUNCT
ajis02-2809	122	22	jiang	jiang	PROPN
ajis02-2809	122	23	et	et	PROPN
ajis02-2809	122	24	al	al	PROPN
ajis02-2809	122	25	.	.	PROPN
ajis02-2809	122	26	,	,	PUNCT
ajis02-2809	122	27	2013	2013	NUM
ajis02-2809	122	28	)	)	PUNCT
ajis02-2809	122	29	,	,	PUNCT
ajis02-2809	122	30	hence	hence	ADV
ajis02-2809	122	31	relevant	relevant	ADJ
ajis02-2809	122	32	to	to	ADP
ajis02-2809	122	33	this	this	DET
ajis02-2809	122	34	study	study	NOUN
ajis02-2809	122	35	in	in	ADP
ajis02-2809	122	36	examining	examine	VERB
ajis02-2809	122	37	the	the	DET
ajis02-2809	122	38	‘	'	PUNCT
ajis02-2809	122	39	place	place	NOUN
ajis02-2809	122	40	’	'	PUNCT
ajis02-2809	122	41	factor	factor	NOUN
ajis02-2809	122	42	.	.	PUNCT
ajis02-2809	123	1	the	the	DET
ajis02-2809	123	2	design	design	NOUN
ajis02-2809	123	3	of	of	ADP
ajis02-2809	123	4	a	a	DET
ajis02-2809	123	5	gamified	gamifie	VERB
ajis02-2809	123	6	mobile	mobile	ADJ
ajis02-2809	123	7	payment	payment	NOUN
ajis02-2809	123	8	platform	platform	NOUN
ajis02-2809	123	9	should	should	AUX
ajis02-2809	123	10	have	have	VERB
ajis02-2809	123	11	consumers	consumer	NOUN
ajis02-2809	123	12	in	in	ADP
ajis02-2809	123	13	mind	mind	NOUN
ajis02-2809	123	14	–	–	PUNCT
ajis02-2809	123	15	by	by	ADP
ajis02-2809	123	16	understanding	understand	VERB
ajis02-2809	123	17	convenience	convenience	NOUN
ajis02-2809	123	18	from	from	ADP
ajis02-2809	123	19	the	the	DET
ajis02-2809	123	20	consumers	consumer	NOUN
ajis02-2809	123	21	’	'	PUNCT
ajis02-2809	123	22	perspective	perspective	NOUN
ajis02-2809	123	23	and	and	CCONJ
ajis02-2809	123	24	where	where	SCONJ
ajis02-2809	123	25	consumers	consumer	NOUN
ajis02-2809	123	26	live	live	VERB
ajis02-2809	123	27	.	.	PUNCT
ajis02-2809	124	1	past	past	ADJ
ajis02-2809	124	2	studies	study	NOUN
ajis02-2809	124	3	(	(	PUNCT
ajis02-2809	124	4	de	de	X
ajis02-2809	124	5	kerviler	kerviler	NOUN
ajis02-2809	124	6	et	et	PROPN
ajis02-2809	124	7	al	al	PROPN
ajis02-2809	124	8	.	.	PROPN
ajis02-2809	124	9	,	,	PUNCT
ajis02-2809	124	10	2016	2016	NUM
ajis02-2809	124	11	;	;	PUNCT
ajis02-2809	124	12	kumar	kumar	PROPN
ajis02-2809	124	13	et	et	PROPN
ajis02-2809	124	14	al	al	PROPN
ajis02-2809	124	15	.	.	PROPN
ajis02-2809	124	16	,	,	PUNCT
ajis02-2809	124	17	2020	2020	NUM
ajis02-2809	124	18	;	;	PUNCT
ajis02-2809	124	19	lai	lai	PROPN
ajis02-2809	124	20	et	et	PROPN
ajis02-2809	124	21	al	al	PROPN
ajis02-2809	124	22	.	.	PROPN
ajis02-2809	124	23	,	,	PUNCT
ajis02-2809	124	24	2019	2019	NUM
ajis02-2809	124	25	;	;	PUNCT
ajis02-2809	124	26	mukerji	mukerji	NOUN
ajis02-2809	124	27	&	&	CCONJ
ajis02-2809	124	28	roy	roy	PROPN
ajis02-2809	124	29	,	,	PUNCT
ajis02-2809	124	30	2019	2019	NUM
ajis02-2809	124	31	)	)	PUNCT
ajis02-2809	124	32	showed	show	VERB
ajis02-2809	124	33	that	that	SCONJ
ajis02-2809	124	34	consumers	consumer	NOUN
ajis02-2809	124	35	prefer	prefer	VERB
ajis02-2809	124	36	convenient	convenient	ADJ
ajis02-2809	124	37	and	and	CCONJ
ajis02-2809	124	38	practical	practical	ADJ
ajis02-2809	124	39	mobile	mobile	ADJ
ajis02-2809	124	40	payment	payment	NOUN
ajis02-2809	124	41	channels	channel	NOUN
ajis02-2809	124	42	to	to	PART
ajis02-2809	124	43	pay	pay	VERB
ajis02-2809	124	44	for	for	ADP
ajis02-2809	124	45	transactions	transaction	NOUN
ajis02-2809	124	46	anytime	anytime	ADV
ajis02-2809	124	47	and	and	CCONJ
ajis02-2809	124	48	anywhere	anywhere	ADV
ajis02-2809	124	49	on	on	ADP
ajis02-2809	124	50	mobile	mobile	ADJ
ajis02-2809	124	51	phones	phone	NOUN
ajis02-2809	124	52	.	.	PUNCT
ajis02-2809	125	1	time	time	NOUN
ajis02-2809	125	2	-	-	PUNCT
ajis02-2809	125	3	poor	poor	ADJ
ajis02-2809	125	4	consumers	consumer	NOUN
ajis02-2809	125	5	seek	seek	VERB
ajis02-2809	125	6	valueadding	valueadde	VERB
ajis02-2809	125	7	mobile	mobile	ADJ
ajis02-2809	125	8	payment	payment	NOUN
ajis02-2809	125	9	services	service	NOUN
ajis02-2809	125	10	by	by	ADP
ajis02-2809	125	11	evaluating	evaluate	VERB
ajis02-2809	125	12	benefits	benefit	NOUN
ajis02-2809	125	13	offered	offer	VERB
ajis02-2809	125	14	versus	versus	ADP
ajis02-2809	125	15	costs	cost	NOUN
ajis02-2809	125	16	involved	involve	VERB
ajis02-2809	125	17	in	in	ADP
ajis02-2809	125	18	making	make	VERB
ajis02-2809	125	19	a	a	DET
ajis02-2809	125	20	mobile	mobile	ADJ
ajis02-2809	125	21	payment	payment	NOUN
ajis02-2809	125	22	transaction	transaction	NOUN
ajis02-2809	125	23	(	(	PUNCT
ajis02-2809	125	24	de	de	X
ajis02-2809	125	25	kerviler	kerviler	NOUN
ajis02-2809	125	26	et	et	PROPN
ajis02-2809	125	27	al	al	PROPN
ajis02-2809	125	28	.	.	PROPN
ajis02-2809	125	29	,	,	PUNCT
ajis02-2809	125	30	2016	2016	NUM
ajis02-2809	125	31	;	;	PUNCT
ajis02-2809	125	32	ström	ström	NOUN
ajis02-2809	125	33	et	et	PROPN
ajis02-2809	125	34	al	al	PROPN
ajis02-2809	125	35	.	.	PROPN
ajis02-2809	125	36	,	,	PUNCT
ajis02-2809	125	37	2014	2014	NUM
ajis02-2809	125	38	)	)	PUNCT
ajis02-2809	125	39	.	.	PUNCT
ajis02-2809	126	1	this	this	DET
ajis02-2809	126	2	study	study	NOUN
ajis02-2809	126	3	conceptualizes	conceptualize	VERB
ajis02-2809	126	4	perceived	perceive	VERB
ajis02-2809	126	5	convenience	convenience	NOUN
ajis02-2809	126	6	as	as	ADP
ajis02-2809	126	7	encompassing	encompass	VERB
ajis02-2809	126	8	six	six	NUM
ajis02-2809	126	9	aspects	aspect	NOUN
ajis02-2809	126	10	of	of	ADP
ajis02-2809	126	11	utilitarian	utilitarian	ADJ
ajis02-2809	126	12	value	value	NOUN
ajis02-2809	126	13	:	:	PUNCT
ajis02-2809	126	14	saving	save	VERB
ajis02-2809	126	15	time	time	NOUN
ajis02-2809	126	16	,	,	PUNCT
ajis02-2809	126	17	carrying	carry	VERB
ajis02-2809	126	18	less	less	ADJ
ajis02-2809	126	19	physical	physical	ADJ
ajis02-2809	126	20	cash	cash	NOUN
ajis02-2809	126	21	,	,	PUNCT
ajis02-2809	126	22	an	an	DET
ajis02-2809	126	23	emergency	emergency	NOUN
ajis02-2809	126	24	need	need	NOUN
ajis02-2809	126	25	of	of	ADP
ajis02-2809	126	26	funds	fund	NOUN
ajis02-2809	126	27	,	,	PUNCT
ajis02-2809	126	28	multi	multi	ADJ
ajis02-2809	126	29	-	-	ADJ
ajis02-2809	126	30	functional	functional	ADJ
ajis02-2809	126	31	design	design	NOUN
ajis02-2809	126	32	,	,	PUNCT
ajis02-2809	126	33	customizes	customize	VERB
ajis02-2809	126	34	applications	application	NOUN
ajis02-2809	126	35	,	,	PUNCT
ajis02-2809	126	36	and	and	CCONJ
ajis02-2809	126	37	a	a	DET
ajis02-2809	126	38	single	single	ADJ
ajis02-2809	126	39	platform	platform	NOUN
ajis02-2809	126	40	(	(	PUNCT
ajis02-2809	126	41	chang	chang	PROPN
ajis02-2809	126	42	&	&	CCONJ
ajis02-2809	126	43	polonsky	polonsky	PROPN
ajis02-2809	126	44	,	,	PUNCT
ajis02-2809	126	45	2012	2012	NUM
ajis02-2809	126	46	;	;	PUNCT
ajis02-2809	126	47	c.	c.	PROPN
ajis02-2809	126	48	kim	kim	PROPN
ajis02-2809	126	49	,	,	PUNCT
ajis02-2809	126	50	mirusmonov	mirusmonov	PROPN
ajis02-2809	126	51	,	,	PUNCT
ajis02-2809	126	52	&	&	CCONJ
ajis02-2809	126	53	lee	lee	PROPN
ajis02-2809	126	54	,	,	PUNCT
ajis02-2809	126	55	2010	2010	NUM
ajis02-2809	126	56	;	;	PUNCT
ajis02-2809	126	57	lai	lai	PROPN
ajis02-2809	126	58	et	et	PROPN
ajis02-2809	126	59	al	al	PROPN
ajis02-2809	126	60	.	.	PROPN
ajis02-2809	126	61	,	,	PUNCT
ajis02-2809	126	62	2019	2019	NUM
ajis02-2809	126	63	)	)	PUNCT
ajis02-2809	126	64	.	.	PUNCT
ajis02-2809	127	1	consistent	consistent	ADJ
ajis02-2809	127	2	with	with	ADP
ajis02-2809	127	3	the	the	DET
ajis02-2809	127	4	concept	concept	NOUN
ajis02-2809	127	5	of	of	ADP
ajis02-2809	127	6	consumer	consumer	NOUN
ajis02-2809	127	7	-	-	PUNCT
ajis02-2809	127	8	centric	centric	NOUN
ajis02-2809	127	9	convenience	convenience	NOUN
ajis02-2809	127	10	,	,	PUNCT
ajis02-2809	127	11	consumers	consumer	NOUN
ajis02-2809	127	12	will	will	AUX
ajis02-2809	127	13	decide	decide	VERB
ajis02-2809	127	14	‘	'	PUNCT
ajis02-2809	127	15	when	when	SCONJ
ajis02-2809	127	16	’	'	PUNCT
ajis02-2809	127	17	and	and	CCONJ
ajis02-2809	127	18	‘	'	PUNCT
ajis02-2809	127	19	where	where	SCONJ
ajis02-2809	127	20	’	'	PUNCT
ajis02-2809	127	21	to	to	PART
ajis02-2809	127	22	shop	shop	VERB
ajis02-2809	127	23	in	in	ADP
ajis02-2809	127	24	their	their	PRON
ajis02-2809	127	25	best	good	ADJ
ajis02-2809	127	26	interest	interest	NOUN
ajis02-2809	127	27	.	.	PUNCT
ajis02-2809	128	1	mobile	mobile	ADJ
ajis02-2809	128	2	payment	payment	NOUN
ajis02-2809	128	3	becomes	become	VERB
ajis02-2809	128	4	appealing	appeal	VERB
ajis02-2809	128	5	to	to	ADP
ajis02-2809	128	6	consumers	consumer	NOUN
ajis02-2809	128	7	living	live	VERB
ajis02-2809	128	8	in	in	ADP
ajis02-2809	128	9	a	a	DET
ajis02-2809	128	10	cash	cash	NOUN
ajis02-2809	128	11	-	-	PUNCT
ajis02-2809	128	12	centric	centric	ADJ
ajis02-2809	128	13	culture	culture	NOUN
ajis02-2809	128	14	,	,	PUNCT
ajis02-2809	128	15	typically	typically	ADV
ajis02-2809	128	16	among	among	ADP
ajis02-2809	128	17	the	the	DET
ajis02-2809	128	18	developing	develop	VERB
ajis02-2809	128	19	countries	country	NOUN
ajis02-2809	128	20	(	(	PUNCT
ajis02-2809	128	21	liu	liu	PROPN
ajis02-2809	128	22	et	et	PROPN
ajis02-2809	128	23	al	al	PROPN
ajis02-2809	128	24	.	.	PROPN
ajis02-2809	128	25	,	,	PUNCT
ajis02-2809	128	26	2019	2019	NUM
ajis02-2809	128	27	)	)	PUNCT
ajis02-2809	128	28	.	.	PUNCT
ajis02-2809	129	1	as	as	ADP
ajis02-2809	129	2	users	user	NOUN
ajis02-2809	129	3	’	'	PUNCT
ajis02-2809	129	4	desire	desire	NOUN
ajis02-2809	129	5	for	for	ADP
ajis02-2809	129	6	convenience	convenience	NOUN
ajis02-2809	129	7	mounts	mount	NOUN
ajis02-2809	129	8	to	to	ADP
ajis02-2809	129	9	the	the	DET
ajis02-2809	129	10	extent	extent	NOUN
ajis02-2809	129	11	of	of	ADP
ajis02-2809	129	12	frequently	frequently	ADV
ajis02-2809	129	13	diverting	divert	VERB
ajis02-2809	129	14	to	to	ADP
ajis02-2809	129	15	mobile	mobile	ADJ
ajis02-2809	129	16	payment	payment	NOUN
ajis02-2809	129	17	as	as	ADP
ajis02-2809	129	18	an	an	DET
ajis02-2809	129	19	alternative	alternative	ADJ
ajis02-2809	129	20	payment	payment	NOUN
ajis02-2809	129	21	option	option	NOUN
ajis02-2809	129	22	,	,	PUNCT
ajis02-2809	129	23	this	this	DET
ajis02-2809	129	24	study	study	NOUN
ajis02-2809	129	25	proposes	propose	VERB
ajis02-2809	129	26	that	that	SCONJ
ajis02-2809	129	27	user	user	NOUN
ajis02-2809	129	28	intention	intention	NOUN
ajis02-2809	129	29	to	to	PART
ajis02-2809	129	30	adopt	adopt	VERB
ajis02-2809	129	31	mobile	mobile	ADJ
ajis02-2809	129	32	payment	payment	NOUN
ajis02-2809	129	33	will	will	AUX
ajis02-2809	129	34	increase	increase	VERB
ajis02-2809	129	35	.	.	PUNCT
ajis02-2809	130	1	gamification	gamification	NOUN
ajis02-2809	130	2	features	feature	VERB
ajis02-2809	130	3	on	on	ADP
ajis02-2809	130	4	the	the	DET
ajis02-2809	130	5	mobile	mobile	ADJ
ajis02-2809	130	6	payment	payment	NOUN
ajis02-2809	130	7	platform	platform	NOUN
ajis02-2809	130	8	would	would	AUX
ajis02-2809	130	9	incentify	incentify	VERB
ajis02-2809	130	10	and	and	CCONJ
ajis02-2809	130	11	attract	attract	VERB
ajis02-2809	130	12	the	the	DET
ajis02-2809	130	13	use	use	NOUN
ajis02-2809	130	14	of	of	ADP
ajis02-2809	130	15	mobile	mobile	ADJ
ajis02-2809	130	16	payment	payment	NOUN
ajis02-2809	130	17	.	.	PUNCT
ajis02-2809	131	1	thus	thus	ADV
ajis02-2809	131	2	,	,	PUNCT
ajis02-2809	131	3	our	our	PRON
ajis02-2809	131	4	first	first	ADJ
ajis02-2809	131	5	hypothesis	hypothesis	NOUN
ajis02-2809	131	6	is	be	AUX
ajis02-2809	131	7	as	as	SCONJ
ajis02-2809	131	8	follows	follow	VERB
ajis02-2809	131	9	:	:	PUNCT
ajis02-2809	131	10	h1	h1	NOUN
ajis02-2809	131	11	:	:	PUNCT
ajis02-2809	131	12	perceived	perceive	VERB
ajis02-2809	131	13	convenience	convenience	NOUN
ajis02-2809	131	14	positively	positively	ADV
ajis02-2809	131	15	impact	impact	VERB
ajis02-2809	131	16	intention	intention	NOUN
ajis02-2809	131	17	to	to	PART
ajis02-2809	131	18	use	use	VERB
ajis02-2809	131	19	gamified	gamifie	VERB
ajis02-2809	131	20	mobile	mobile	ADJ
ajis02-2809	131	21	payment	payment	NOUN
ajis02-2809	131	22	.	.	PUNCT
ajis02-2809	132	1	4.2	4.2	NUM
ajis02-2809	132	2	security	security	NOUN
ajis02-2809	132	3	security	security	NOUN
ajis02-2809	132	4	is	be	AUX
ajis02-2809	132	5	an	an	DET
ajis02-2809	132	6	increasing	increase	VERB
ajis02-2809	132	7	concern	concern	NOUN
ajis02-2809	132	8	in	in	ADP
ajis02-2809	132	9	the	the	DET
ajis02-2809	132	10	platform	platform	NOUN
ajis02-2809	132	11	ecosystem	ecosystem	NOUN
ajis02-2809	132	12	following	follow	VERB
ajis02-2809	132	13	the	the	DET
ajis02-2809	132	14	rapid	rapid	ADJ
ajis02-2809	132	15	growth	growth	NOUN
ajis02-2809	132	16	of	of	ADP
ajis02-2809	132	17	technology	technology	NOUN
ajis02-2809	132	18	advancement	advancement	NOUN
ajis02-2809	132	19	and	and	CCONJ
ajis02-2809	132	20	e	e	NOUN
ajis02-2809	132	21	-	-	NOUN
ajis02-2809	132	22	commerce	commerce	NOUN
ajis02-2809	132	23	offerings	offering	NOUN
ajis02-2809	132	24	(	(	PUNCT
ajis02-2809	132	25	kumar	kumar	PROPN
ajis02-2809	132	26	et	et	PROPN
ajis02-2809	132	27	al	al	PROPN
ajis02-2809	132	28	.	.	PROPN
ajis02-2809	132	29	,	,	PUNCT
ajis02-2809	132	30	2020	2020	NUM
ajis02-2809	132	31	;	;	PUNCT
ajis02-2809	132	32	lai	lai	PROPN
ajis02-2809	132	33	,	,	PUNCT
ajis02-2809	132	34	2017	2017	NUM
ajis02-2809	132	35	;	;	PUNCT
ajis02-2809	132	36	liew	liew	PROPN
ajis02-2809	132	37	et	et	PROPN
ajis02-2809	132	38	al	al	PROPN
ajis02-2809	132	39	.	.	PROPN
ajis02-2809	132	40	,	,	PUNCT
ajis02-2809	132	41	2014	2014	NUM
ajis02-2809	132	42	;	;	PUNCT
ajis02-2809	132	43	morosan	morosan	PROPN
ajis02-2809	132	44	&	&	CCONJ
ajis02-2809	132	45	defranco	defranco	PROPN
ajis02-2809	132	46	,	,	PUNCT
ajis02-2809	132	47	2016	2016	NUM
ajis02-2809	132	48	)	)	PUNCT
ajis02-2809	132	49	.	.	PUNCT
ajis02-2809	133	1	the	the	DET
ajis02-2809	133	2	cryptography	cryptography	NOUN
ajis02-2809	133	3	of	of	ADP
ajis02-2809	133	4	blockchain	blockchain	PROPN
ajis02-2809	133	5	technology	technology	PROPN
ajis02-2809	133	6	guarantees	guarantee	VERB
ajis02-2809	133	7	privacy	privacy	NOUN
ajis02-2809	133	8	and	and	CCONJ
ajis02-2809	133	9	security	security	NOUN
ajis02-2809	133	10	protocol	protocol	NOUN
ajis02-2809	133	11	against	against	ADP
ajis02-2809	133	12	malicious	malicious	ADJ
ajis02-2809	133	13	activities	activity	NOUN
ajis02-2809	133	14	that	that	PRON
ajis02-2809	133	15	alter	alter	VERB
ajis02-2809	133	16	the	the	DET
ajis02-2809	133	17	chain	chain	NOUN
ajis02-2809	133	18	of	of	ADP
ajis02-2809	133	19	peer	peer	NOUN
ajis02-2809	133	20	-	-	PUNCT
ajis02-2809	133	21	to	to	ADP
ajis02-2809	133	22	-	-	PUNCT
ajis02-2809	133	23	peer	peer	NOUN
ajis02-2809	133	24	transactions	transaction	NOUN
ajis02-2809	133	25	(	(	PUNCT
ajis02-2809	133	26	casino	casino	NOUN
ajis02-2809	133	27	et	et	PROPN
ajis02-2809	133	28	al	al	PROPN
ajis02-2809	133	29	.	.	PROPN
ajis02-2809	133	30	,	,	PUNCT
ajis02-2809	133	31	2019	2019	NUM
ajis02-2809	133	32	)	)	PUNCT
ajis02-2809	133	33	.	.	PUNCT
ajis02-2809	134	1	unlike	unlike	ADP
ajis02-2809	134	2	privacy	privacy	NOUN
ajis02-2809	134	3	that	that	PRON
ajis02-2809	134	4	refers	refer	VERB
ajis02-2809	134	5	to	to	ADP
ajis02-2809	134	6	user	user	NOUN
ajis02-2809	134	7	control	control	NOUN
ajis02-2809	134	8	over	over	ADP
ajis02-2809	134	9	personal	personal	ADJ
ajis02-2809	134	10	information	information	NOUN
ajis02-2809	134	11	,	,	PUNCT
ajis02-2809	134	12	security	security	NOUN
ajis02-2809	134	13	connotes	connote	VERB
ajis02-2809	134	14	protection	protection	NOUN
ajis02-2809	134	15	over	over	ADP
ajis02-2809	134	16	the	the	DET
ajis02-2809	134	17	mobile	mobile	ADJ
ajis02-2809	134	18	payment	payment	NOUN
ajis02-2809	134	19	platform	platform	NOUN
ajis02-2809	134	20	from	from	ADP
ajis02-2809	134	21	threats	threat	NOUN
ajis02-2809	134	22	such	such	ADJ
ajis02-2809	134	23	as	as	ADP
ajis02-2809	134	24	unauthorized	unauthorized	ADJ
ajis02-2809	134	25	intrusion	intrusion	NOUN
ajis02-2809	134	26	,	,	PUNCT
ajis02-2809	134	27	illegal	illegal	ADJ
ajis02-2809	134	28	theft	theft	NOUN
ajis02-2809	134	29	,	,	PUNCT
ajis02-2809	134	30	or	or	CCONJ
ajis02-2809	134	31	destruction	destruction	NOUN
ajis02-2809	134	32	(	(	PUNCT
ajis02-2809	134	33	gupta	gupta	PROPN
ajis02-2809	134	34	&	&	CCONJ
ajis02-2809	134	35	dubey	dubey	PROPN
ajis02-2809	134	36	,	,	PUNCT
ajis02-2809	134	37	2016	2016	NUM
ajis02-2809	134	38	;	;	PUNCT
ajis02-2809	134	39	lai	lai	PROPN
ajis02-2809	134	40	,	,	PUNCT
ajis02-2809	134	41	2017	2017	NUM
ajis02-2809	134	42	;	;	PUNCT
ajis02-2809	134	43	liu	liu	PROPN
ajis02-2809	134	44	et	et	PROPN
ajis02-2809	134	45	al	al	PROPN
ajis02-2809	134	46	.	.	PROPN
ajis02-2809	134	47	,	,	PUNCT
ajis02-2809	134	48	2019	2019	NUM
ajis02-2809	134	49	;	;	PUNCT
ajis02-2809	134	50	shin	shin	NOUN
ajis02-2809	134	51	,	,	PUNCT
ajis02-2809	134	52	2009	2009	NUM
ajis02-2809	134	53	)	)	PUNCT
ajis02-2809	134	54	.	.	PUNCT
ajis02-2809	135	1	this	this	DET
ajis02-2809	135	2	study	study	NOUN
ajis02-2809	135	3	conceptualizes	conceptualize	VERB
ajis02-2809	135	4	security	security	NOUN
ajis02-2809	135	5	as	as	ADP
ajis02-2809	135	6	encompassing	encompass	VERB
ajis02-2809	135	7	six	six	NUM
ajis02-2809	135	8	aspects	aspect	NOUN
ajis02-2809	135	9	of	of	ADP
ajis02-2809	135	10	the	the	DET
ajis02-2809	135	11	blockchain	blockchain	PROPN
ajis02-2809	135	12	guarantees	guarantee	NOUN
ajis02-2809	135	13	:	:	PUNCT
ajis02-2809	135	14	reliability	reliability	NOUN
ajis02-2809	135	15	,	,	PUNCT
ajis02-2809	135	16	privacy	privacy	NOUN
ajis02-2809	135	17	,	,	PUNCT
ajis02-2809	135	18	authentication	authentication	NOUN
ajis02-2809	135	19	and	and	CCONJ
ajis02-2809	135	20	authorization	authorization	NOUN
ajis02-2809	135	21	,	,	PUNCT
ajis02-2809	135	22	integrity	integrity	NOUN
ajis02-2809	135	23	,	,	PUNCT
ajis02-2809	135	24	nonrepudiation	nonrepudiation	NOUN
ajis02-2809	135	25	,	,	PUNCT
ajis02-2809	135	26	and	and	CCONJ
ajis02-2809	135	27	confidentiality	confidentiality	NOUN
ajis02-2809	135	28	(	(	PUNCT
ajis02-2809	135	29	casino	casino	NOUN
ajis02-2809	135	30	et	et	PROPN
ajis02-2809	135	31	al	al	PROPN
ajis02-2809	135	32	.	.	PROPN
ajis02-2809	135	33	,	,	PUNCT
ajis02-2809	135	34	2019	2019	NUM
ajis02-2809	135	35	;	;	PUNCT
ajis02-2809	135	36	lai	lai	PROPN
ajis02-2809	135	37	,	,	PUNCT
ajis02-2809	135	38	2017	2017	NUM
ajis02-2809	135	39	)	)	PUNCT
ajis02-2809	135	40	.	.	PUNCT
ajis02-2809	136	1	this	this	DET
ajis02-2809	136	2	study	study	NOUN
ajis02-2809	136	3	focuses	focus	VERB
ajis02-2809	136	4	on	on	ADP
ajis02-2809	136	5	user	user	NOUN
ajis02-2809	136	6	australasian	australasian	ADJ
ajis02-2809	136	7	journal	journal	NOUN
ajis02-2809	136	8	of	of	ADP
ajis02-2809	136	9	information	information	NOUN
ajis02-2809	136	10	systems	systems	PROPN
ajis02-2809	136	11	lai	lai	PROPN
ajis02-2809	136	12	&	&	CCONJ
ajis02-2809	136	13	liew	liew	PROPN
ajis02-2809	136	14	2021	2021	NUM
ajis02-2809	136	15	,	,	PUNCT
ajis02-2809	136	16	vol	vol	NOUN
ajis02-2809	136	17	25	25	NUM
ajis02-2809	136	18	,	,	PUNCT
ajis02-2809	136	19	research	research	NOUN
ajis02-2809	136	20	article	article	NOUN
ajis02-2809	136	21	towards	towards	ADP
ajis02-2809	136	22	a	a	DET
ajis02-2809	136	23	cashless	cashless	NOUN
ajis02-2809	136	24	society	society	NOUN
ajis02-2809	136	25	10	10	NUM
ajis02-2809	136	26	perception	perception	NOUN
ajis02-2809	136	27	of	of	ADP
ajis02-2809	136	28	the	the	DET
ajis02-2809	136	29	level	level	NOUN
ajis02-2809	136	30	of	of	ADP
ajis02-2809	136	31	security	security	NOUN
ajis02-2809	136	32	exposure	exposure	NOUN
ajis02-2809	136	33	distinctly	distinctly	ADV
ajis02-2809	136	34	different	different	ADJ
ajis02-2809	136	35	from	from	ADP
ajis02-2809	136	36	the	the	DET
ajis02-2809	136	37	platform	platform	NOUN
ajis02-2809	136	38	's	's	PART
ajis02-2809	136	39	inherent	inherent	ADJ
ajis02-2809	136	40	risks	risk	NOUN
ajis02-2809	136	41	.	.	PUNCT
ajis02-2809	137	1	past	past	ADJ
ajis02-2809	137	2	studies	study	NOUN
ajis02-2809	137	3	found	find	VERB
ajis02-2809	137	4	that	that	SCONJ
ajis02-2809	137	5	users	user	NOUN
ajis02-2809	137	6	’	’	PART
ajis02-2809	137	7	intention	intention	NOUN
ajis02-2809	137	8	to	to	PART
ajis02-2809	137	9	use	use	VERB
ajis02-2809	137	10	mobile	mobile	ADJ
ajis02-2809	137	11	payment	payment	NOUN
ajis02-2809	137	12	is	be	AUX
ajis02-2809	137	13	susceptible	susceptible	ADJ
ajis02-2809	137	14	to	to	ADP
ajis02-2809	137	15	the	the	DET
ajis02-2809	137	16	level	level	NOUN
ajis02-2809	137	17	of	of	ADP
ajis02-2809	137	18	security	security	NOUN
ajis02-2809	137	19	exposure	exposure	NOUN
ajis02-2809	137	20	they	they	PRON
ajis02-2809	137	21	perceive	perceive	VERB
ajis02-2809	137	22	at	at	ADP
ajis02-2809	137	23	the	the	DET
ajis02-2809	137	24	point	point	NOUN
ajis02-2809	137	25	of	of	ADP
ajis02-2809	137	26	adoption	adoption	NOUN
ajis02-2809	137	27	(	(	PUNCT
ajis02-2809	137	28	de	de	X
ajis02-2809	137	29	kerviler	kerviler	NOUN
ajis02-2809	137	30	et	et	PROPN
ajis02-2809	137	31	al	al	PROPN
ajis02-2809	137	32	.	.	PROPN
ajis02-2809	137	33	,	,	PUNCT
ajis02-2809	137	34	2016	2016	NUM
ajis02-2809	137	35	;	;	PUNCT
ajis02-2809	137	36	lai	lai	PROPN
ajis02-2809	137	37	,	,	PUNCT
ajis02-2809	137	38	2017	2017	NUM
ajis02-2809	137	39	)	)	PUNCT
ajis02-2809	137	40	.	.	PUNCT
ajis02-2809	138	1	generally	generally	ADV
ajis02-2809	138	2	,	,	PUNCT
ajis02-2809	138	3	users	user	NOUN
ajis02-2809	138	4	tend	tend	VERB
ajis02-2809	138	5	to	to	PART
ajis02-2809	138	6	accept	accept	VERB
ajis02-2809	138	7	a	a	DET
ajis02-2809	138	8	new	new	ADJ
ajis02-2809	138	9	payment	payment	NOUN
ajis02-2809	138	10	alternative	alternative	NOUN
ajis02-2809	138	11	if	if	SCONJ
ajis02-2809	138	12	they	they	PRON
ajis02-2809	138	13	perceive	perceive	VERB
ajis02-2809	138	14	lower	low	ADJ
ajis02-2809	138	15	security	security	NOUN
ajis02-2809	138	16	exposure	exposure	NOUN
ajis02-2809	138	17	(	(	PUNCT
ajis02-2809	138	18	such	such	ADJ
ajis02-2809	138	19	as	as	ADP
ajis02-2809	138	20	feeling	feel	VERB
ajis02-2809	138	21	reliable	reliable	ADJ
ajis02-2809	138	22	,	,	PUNCT
ajis02-2809	138	23	safe	safe	ADJ
ajis02-2809	138	24	,	,	PUNCT
ajis02-2809	138	25	and	and	CCONJ
ajis02-2809	138	26	unthreatened	unthreatened	NOUN
ajis02-2809	138	27	)	)	PUNCT
ajis02-2809	138	28	that	that	PRON
ajis02-2809	138	29	outweighs	outweigh	VERB
ajis02-2809	138	30	the	the	DET
ajis02-2809	138	31	old	old	ADJ
ajis02-2809	138	32	payment	payment	NOUN
ajis02-2809	138	33	methods	method	NOUN
ajis02-2809	138	34	(	(	PUNCT
ajis02-2809	138	35	kumar	kumar	PROPN
ajis02-2809	138	36	et	et	PROPN
ajis02-2809	138	37	al	al	PROPN
ajis02-2809	138	38	.	.	PROPN
ajis02-2809	138	39	,	,	PUNCT
ajis02-2809	138	40	2020	2020	NUM
ajis02-2809	138	41	;	;	PUNCT
ajis02-2809	138	42	lai	lai	PROPN
ajis02-2809	138	43	,	,	PUNCT
ajis02-2809	138	44	2017	2017	NUM
ajis02-2809	138	45	)	)	PUNCT
ajis02-2809	138	46	.	.	PUNCT
ajis02-2809	139	1	a	a	DET
ajis02-2809	139	2	reliable	reliable	ADJ
ajis02-2809	139	3	and	and	CCONJ
ajis02-2809	139	4	trustworthy	trustworthy	ADJ
ajis02-2809	139	5	gamified	gamifie	VERB
ajis02-2809	139	6	mobile	mobile	ADJ
ajis02-2809	139	7	payment	payment	NOUN
ajis02-2809	139	8	platform	platform	NOUN
ajis02-2809	139	9	will	will	AUX
ajis02-2809	139	10	incorporate	incorporate	VERB
ajis02-2809	139	11	sufficient	sufficient	ADJ
ajis02-2809	139	12	security	security	NOUN
ajis02-2809	139	13	measures	measure	NOUN
ajis02-2809	139	14	to	to	PART
ajis02-2809	139	15	assure	assure	VERB
ajis02-2809	139	16	users	user	NOUN
ajis02-2809	139	17	peace	peace	NOUN
ajis02-2809	139	18	of	of	ADP
ajis02-2809	139	19	mind	mind	NOUN
ajis02-2809	139	20	in	in	ADP
ajis02-2809	139	21	performing	perform	VERB
ajis02-2809	139	22	their	their	PRON
ajis02-2809	139	23	transactions	transaction	NOUN
ajis02-2809	139	24	.	.	PUNCT
ajis02-2809	140	1	users	user	NOUN
ajis02-2809	140	2	hence	hence	ADV
ajis02-2809	140	3	do	do	AUX
ajis02-2809	140	4	not	not	PART
ajis02-2809	140	5	need	need	VERB
ajis02-2809	140	6	to	to	PART
ajis02-2809	140	7	worry	worry	VERB
ajis02-2809	140	8	about	about	ADP
ajis02-2809	140	9	fraud	fraud	NOUN
ajis02-2809	140	10	,	,	PUNCT
ajis02-2809	140	11	identity	identity	NOUN
ajis02-2809	140	12	theft	theft	NOUN
ajis02-2809	140	13	,	,	PUNCT
ajis02-2809	140	14	or	or	CCONJ
ajis02-2809	140	15	information	information	NOUN
ajis02-2809	140	16	leakage	leakage	NOUN
ajis02-2809	140	17	during	during	ADP
ajis02-2809	140	18	the	the	DET
ajis02-2809	140	19	mobile	mobile	ADJ
ajis02-2809	140	20	payment	payment	NOUN
ajis02-2809	140	21	process	process	NOUN
ajis02-2809	140	22	.	.	PUNCT
ajis02-2809	141	1	this	this	DET
ajis02-2809	141	2	study	study	NOUN
ajis02-2809	141	3	proposes	propose	VERB
ajis02-2809	141	4	that	that	SCONJ
ajis02-2809	141	5	favorable	favorable	ADJ
ajis02-2809	141	6	perceived	perceive	VERB
ajis02-2809	141	7	security	security	NOUN
ajis02-2809	141	8	will	will	AUX
ajis02-2809	141	9	assure	assure	VERB
ajis02-2809	141	10	users	user	NOUN
ajis02-2809	141	11	of	of	ADP
ajis02-2809	141	12	the	the	DET
ajis02-2809	141	13	reliability	reliability	NOUN
ajis02-2809	141	14	,	,	PUNCT
ajis02-2809	141	15	privacy	privacy	NOUN
ajis02-2809	141	16	,	,	PUNCT
ajis02-2809	141	17	and	and	CCONJ
ajis02-2809	141	18	safety	safety	NOUN
ajis02-2809	141	19	concerns	concern	NOUN
ajis02-2809	141	20	of	of	ADP
ajis02-2809	141	21	using	use	VERB
ajis02-2809	141	22	a	a	DET
ajis02-2809	141	23	gamified	gamifie	VERB
ajis02-2809	141	24	mobile	mobile	ADJ
ajis02-2809	141	25	payment	payment	NOUN
ajis02-2809	141	26	platform	platform	NOUN
ajis02-2809	141	27	.	.	PUNCT
ajis02-2809	142	1	thus	thus	ADV
ajis02-2809	142	2	,	,	PUNCT
ajis02-2809	142	3	our	our	PRON
ajis02-2809	142	4	second	second	ADJ
ajis02-2809	142	5	hypothesis	hypothesis	NOUN
ajis02-2809	142	6	is	be	AUX
ajis02-2809	142	7	as	as	SCONJ
ajis02-2809	142	8	follows	follow	VERB
ajis02-2809	142	9	:	:	PUNCT
ajis02-2809	142	10	h2	h2	NOUN
ajis02-2809	142	11	:	:	PUNCT
ajis02-2809	142	12	perceived	perceive	VERB
ajis02-2809	142	13	security	security	NOUN
ajis02-2809	142	14	positively	positively	ADV
ajis02-2809	142	15	impact	impact	VERB
ajis02-2809	142	16	intention	intention	NOUN
ajis02-2809	142	17	to	to	PART
ajis02-2809	142	18	use	use	VERB
ajis02-2809	142	19	gamified	gamifie	VERB
ajis02-2809	142	20	mobile	mobile	ADJ
ajis02-2809	142	21	payment	payment	NOUN
ajis02-2809	142	22	.	.	PUNCT
ajis02-2809	143	1	4.3	4.3	NUM
ajis02-2809	143	2	convenience	convenience	NOUN
ajis02-2809	143	3	to	to	PART
ajis02-2809	143	4	security	security	VERB
ajis02-2809	143	5	the	the	DET
ajis02-2809	143	6	relationship	relationship	NOUN
ajis02-2809	143	7	between	between	ADP
ajis02-2809	143	8	perceived	perceive	VERB
ajis02-2809	143	9	convenience	convenience	NOUN
ajis02-2809	143	10	and	and	CCONJ
ajis02-2809	143	11	perceived	perceive	VERB
ajis02-2809	143	12	security	security	NOUN
ajis02-2809	143	13	for	for	ADP
ajis02-2809	143	14	mobile	mobile	ADJ
ajis02-2809	143	15	payment	payment	NOUN
ajis02-2809	143	16	adoption	adoption	NOUN
ajis02-2809	143	17	has	have	AUX
ajis02-2809	143	18	been	be	AUX
ajis02-2809	143	19	sidelined	sideline	VERB
ajis02-2809	143	20	or	or	CCONJ
ajis02-2809	143	21	subsumed	subsume	VERB
ajis02-2809	143	22	under	under	ADP
ajis02-2809	143	23	other	other	ADJ
ajis02-2809	143	24	variables	variable	NOUN
ajis02-2809	143	25	of	of	ADP
ajis02-2809	143	26	concern	concern	NOUN
ajis02-2809	143	27	in	in	ADP
ajis02-2809	143	28	past	past	ADJ
ajis02-2809	143	29	research	research	NOUN
ajis02-2809	143	30	(	(	PUNCT
ajis02-2809	143	31	liu	liu	PROPN
ajis02-2809	143	32	et	et	PROPN
ajis02-2809	143	33	al	al	PROPN
ajis02-2809	143	34	.	.	PROPN
ajis02-2809	143	35	,	,	PUNCT
ajis02-2809	143	36	2019	2019	NUM
ajis02-2809	143	37	)	)	PUNCT
ajis02-2809	143	38	.	.	PUNCT
ajis02-2809	144	1	on	on	ADP
ajis02-2809	144	2	the	the	DET
ajis02-2809	144	3	one	one	NUM
ajis02-2809	144	4	hand	hand	NOUN
ajis02-2809	144	5	,	,	PUNCT
ajis02-2809	144	6	high	high	ADJ
ajis02-2809	144	7	profile	profile	NOUN
ajis02-2809	144	8	service	service	NOUN
ajis02-2809	144	9	providers	provider	NOUN
ajis02-2809	144	10	such	such	ADJ
ajis02-2809	144	11	as	as	ADP
ajis02-2809	144	12	apple	apple	NOUN
ajis02-2809	144	13	,	,	PUNCT
ajis02-2809	144	14	google	google	PROPN
ajis02-2809	144	15	,	,	PUNCT
ajis02-2809	144	16	alibaba	alibaba	PROPN
ajis02-2809	144	17	,	,	PUNCT
ajis02-2809	144	18	grab	grab	PROPN
ajis02-2809	144	19	,	,	PUNCT
ajis02-2809	144	20	airasia	airasia	PROPN
ajis02-2809	144	21	have	have	AUX
ajis02-2809	144	22	sparked	spark	VERB
ajis02-2809	144	23	renewed	renew	VERB
ajis02-2809	144	24	interest	interest	NOUN
ajis02-2809	144	25	around	around	ADP
ajis02-2809	144	26	gamified	gamifie	VERB
ajis02-2809	144	27	mobile	mobile	ADJ
ajis02-2809	144	28	payment	payment	NOUN
ajis02-2809	144	29	platforms	platform	NOUN
ajis02-2809	144	30	that	that	PRON
ajis02-2809	144	31	might	might	AUX
ajis02-2809	144	32	trigger	trigger	VERB
ajis02-2809	144	33	large	large	ADJ
ajis02-2809	144	34	-	-	PUNCT
ajis02-2809	144	35	scale	scale	NOUN
ajis02-2809	144	36	adoption	adoption	NOUN
ajis02-2809	144	37	towards	towards	ADP
ajis02-2809	144	38	a	a	DET
ajis02-2809	144	39	promising	promising	ADJ
ajis02-2809	144	40	future	future	NOUN
ajis02-2809	144	41	of	of	ADP
ajis02-2809	144	42	convenience	convenience	NOUN
ajis02-2809	144	43	(	(	PUNCT
ajis02-2809	144	44	johnson	johnson	PROPN
ajis02-2809	144	45	,	,	PUNCT
ajis02-2809	144	46	kiser	kiser	PROPN
ajis02-2809	144	47	,	,	PUNCT
ajis02-2809	144	48	washington	washington	PROPN
ajis02-2809	144	49	,	,	PUNCT
ajis02-2809	144	50	&	&	CCONJ
ajis02-2809	144	51	torres	torre	NOUN
ajis02-2809	144	52	,	,	PUNCT
ajis02-2809	144	53	2018	2018	NUM
ajis02-2809	144	54	)	)	PUNCT
ajis02-2809	144	55	.	.	PUNCT
ajis02-2809	145	1	on	on	ADP
ajis02-2809	145	2	the	the	DET
ajis02-2809	145	3	other	other	ADJ
ajis02-2809	145	4	hand	hand	NOUN
ajis02-2809	145	5	,	,	PUNCT
ajis02-2809	145	6	security	security	NOUN
ajis02-2809	145	7	and	and	CCONJ
ajis02-2809	145	8	privacy	privacy	NOUN
ajis02-2809	145	9	have	have	AUX
ajis02-2809	145	10	been	be	AUX
ajis02-2809	145	11	significant	significant	ADJ
ajis02-2809	145	12	barriers	barrier	NOUN
ajis02-2809	145	13	to	to	ADP
ajis02-2809	145	14	adoption	adoption	NOUN
ajis02-2809	145	15	(	(	PUNCT
ajis02-2809	145	16	chutikulrungsee	chutikulrungsee	PROPN
ajis02-2809	145	17	,	,	PUNCT
ajis02-2809	145	18	2016	2016	NUM
ajis02-2809	145	19	;	;	PUNCT
ajis02-2809	145	20	senarathna	senarathna	NOUN
ajis02-2809	145	21	,	,	PUNCT
ajis02-2809	145	22	yeoh	yeoh	PROPN
ajis02-2809	145	23	,	,	PUNCT
ajis02-2809	145	24	warren	warren	PROPN
ajis02-2809	145	25	,	,	PUNCT
ajis02-2809	145	26	&	&	CCONJ
ajis02-2809	145	27	salzman	salzman	PROPN
ajis02-2809	145	28	,	,	PUNCT
ajis02-2809	145	29	2016	2016	NUM
ajis02-2809	145	30	)	)	PUNCT
ajis02-2809	145	31	,	,	PUNCT
ajis02-2809	145	32	often	often	ADV
ajis02-2809	145	33	subject	subject	ADJ
ajis02-2809	145	34	to	to	ADP
ajis02-2809	145	35	the	the	DET
ajis02-2809	145	36	country	country	NOUN
ajis02-2809	145	37	-	-	PUNCT
ajis02-2809	145	38	level	level	NOUN
ajis02-2809	145	39	stages	stage	NOUN
ajis02-2809	145	40	of	of	ADP
ajis02-2809	145	41	development	development	NOUN
ajis02-2809	145	42	and	and	CCONJ
ajis02-2809	145	43	digital	digital	ADJ
ajis02-2809	145	44	infrastructure	infrastructure	NOUN
ajis02-2809	145	45	readiness	readiness	NOUN
ajis02-2809	145	46	,	,	PUNCT
ajis02-2809	145	47	particularly	particularly	ADV
ajis02-2809	145	48	in	in	ADP
ajis02-2809	145	49	the	the	DET
ajis02-2809	145	50	developing	develop	VERB
ajis02-2809	145	51	context	context	NOUN
ajis02-2809	145	52	(	(	PUNCT
ajis02-2809	145	53	liew	liew	PROPN
ajis02-2809	145	54	et	et	PROPN
ajis02-2809	145	55	al	al	PROPN
ajis02-2809	145	56	.	.	PROPN
ajis02-2809	145	57	,	,	PUNCT
ajis02-2809	145	58	2014	2014	NUM
ajis02-2809	145	59	;	;	PUNCT
ajis02-2809	145	60	schmida	schmida	PROPN
ajis02-2809	145	61	et	et	PROPN
ajis02-2809	145	62	al	al	PROPN
ajis02-2809	145	63	.	.	PROPN
ajis02-2809	145	64	,	,	PUNCT
ajis02-2809	145	65	2017	2017	NUM
ajis02-2809	145	66	)	)	PUNCT
ajis02-2809	145	67	.	.	PUNCT
ajis02-2809	146	1	the	the	DET
ajis02-2809	146	2	gamification	gamification	NOUN
ajis02-2809	146	3	on	on	ADP
ajis02-2809	146	4	a	a	DET
ajis02-2809	146	5	mobile	mobile	ADJ
ajis02-2809	146	6	payment	payment	NOUN
ajis02-2809	146	7	platform	platform	NOUN
ajis02-2809	146	8	serves	serve	VERB
ajis02-2809	146	9	as	as	ADP
ajis02-2809	146	10	a	a	DET
ajis02-2809	146	11	design	design	NOUN
ajis02-2809	146	12	of	of	ADP
ajis02-2809	146	13	convenience	convenience	NOUN
ajis02-2809	146	14	that	that	PRON
ajis02-2809	146	15	would	would	AUX
ajis02-2809	146	16	encourage	encourage	VERB
ajis02-2809	146	17	mobile	mobile	ADJ
ajis02-2809	146	18	payment	payment	NOUN
ajis02-2809	146	19	use	use	NOUN
ajis02-2809	146	20	.	.	PUNCT
ajis02-2809	147	1	in	in	ADP
ajis02-2809	147	2	contrast	contrast	NOUN
ajis02-2809	147	3	,	,	PUNCT
ajis02-2809	147	4	its	its	PRON
ajis02-2809	147	5	monetary	monetary	ADJ
ajis02-2809	147	6	tokenization	tokenization	NOUN
ajis02-2809	147	7	serves	serve	VERB
ajis02-2809	147	8	as	as	ADP
ajis02-2809	147	9	a	a	DET
ajis02-2809	147	10	security	security	NOUN
ajis02-2809	147	11	measure	measure	NOUN
ajis02-2809	147	12	to	to	PART
ajis02-2809	147	13	safeguard	safeguard	VERB
ajis02-2809	147	14	from	from	ADP
ajis02-2809	147	15	unauthorized	unauthorized	ADJ
ajis02-2809	147	16	breaches	breach	NOUN
ajis02-2809	147	17	.	.	PUNCT
ajis02-2809	148	1	while	while	SCONJ
ajis02-2809	148	2	studies	study	NOUN
ajis02-2809	148	3	seem	seem	VERB
ajis02-2809	148	4	to	to	PART
ajis02-2809	148	5	suggest	suggest	VERB
ajis02-2809	148	6	that	that	SCONJ
ajis02-2809	148	7	perceived	perceive	VERB
ajis02-2809	148	8	convenience	convenience	NOUN
ajis02-2809	148	9	contributes	contribute	VERB
ajis02-2809	148	10	to	to	ADP
ajis02-2809	148	11	mobile	mobile	ADJ
ajis02-2809	148	12	payment	payment	NOUN
ajis02-2809	148	13	adoption	adoption	NOUN
ajis02-2809	148	14	and	and	CCONJ
ajis02-2809	148	15	perceived	perceive	VERB
ajis02-2809	148	16	security	security	NOUN
ajis02-2809	148	17	requires	require	VERB
ajis02-2809	148	18	further	further	ADJ
ajis02-2809	148	19	investigation	investigation	NOUN
ajis02-2809	148	20	(	(	PUNCT
ajis02-2809	148	21	lai	lai	PROPN
ajis02-2809	148	22	et	et	PROPN
ajis02-2809	148	23	al	al	PROPN
ajis02-2809	148	24	.	.	PROPN
ajis02-2809	148	25	,	,	PUNCT
ajis02-2809	148	26	2019	2019	NUM
ajis02-2809	148	27	;	;	PUNCT
ajis02-2809	148	28	weir	weir	PROPN
ajis02-2809	148	29	,	,	PUNCT
ajis02-2809	148	30	douglas	douglas	PROPN
ajis02-2809	148	31	,	,	PUNCT
ajis02-2809	148	32	carruthers	carruther	NOUN
ajis02-2809	148	33	,	,	PUNCT
ajis02-2809	148	34	&	&	CCONJ
ajis02-2809	148	35	jack	jack	PROPN
ajis02-2809	148	36	,	,	PUNCT
ajis02-2809	148	37	2009	2009	NUM
ajis02-2809	148	38	)	)	PUNCT
ajis02-2809	148	39	,	,	PUNCT
ajis02-2809	148	40	burmeister	burmeister	NOUN
ajis02-2809	148	41	(	(	PUNCT
ajis02-2809	148	42	2015	2015	NUM
ajis02-2809	148	43	)	)	PUNCT
ajis02-2809	148	44	stressed	stress	VERB
ajis02-2809	148	45	the	the	DET
ajis02-2809	148	46	importance	importance	NOUN
ajis02-2809	148	47	of	of	ADP
ajis02-2809	148	48	security	security	NOUN
ajis02-2809	148	49	over	over	ADP
ajis02-2809	148	50	convenience	convenience	NOUN
ajis02-2809	148	51	.	.	PUNCT
ajis02-2809	149	1	still	still	ADV
ajis02-2809	149	2	,	,	PUNCT
ajis02-2809	149	3	little	little	ADJ
ajis02-2809	149	4	is	be	AUX
ajis02-2809	149	5	known	know	VERB
ajis02-2809	149	6	whether	whether	SCONJ
ajis02-2809	149	7	perceived	perceive	VERB
ajis02-2809	149	8	convenience	convenience	NOUN
ajis02-2809	149	9	and	and	CCONJ
ajis02-2809	149	10	perceived	perceive	VERB
ajis02-2809	149	11	security	security	NOUN
ajis02-2809	149	12	should	should	AUX
ajis02-2809	149	13	co	co	VERB
ajis02-2809	149	14	-	-	VERB
ajis02-2809	149	15	exist	exist	VERB
ajis02-2809	149	16	for	for	ADP
ajis02-2809	149	17	mobile	mobile	ADJ
ajis02-2809	149	18	payment	payment	NOUN
ajis02-2809	149	19	adoption	adoption	NOUN
ajis02-2809	149	20	or	or	CCONJ
ajis02-2809	149	21	would	would	AUX
ajis02-2809	149	22	be	be	AUX
ajis02-2809	149	23	a	a	DET
ajis02-2809	149	24	trade	trade	NOUN
ajis02-2809	149	25	-	-	PUNCT
ajis02-2809	149	26	off	off	NOUN
ajis02-2809	149	27	with	with	ADP
ajis02-2809	149	28	an	an	DET
ajis02-2809	149	29	inverse	inverse	NOUN
ajis02-2809	149	30	relationship	relationship	NOUN
ajis02-2809	149	31	.	.	PUNCT
ajis02-2809	150	1	the	the	DET
ajis02-2809	150	2	relationship	relationship	NOUN
ajis02-2809	150	3	might	might	AUX
ajis02-2809	150	4	also	also	ADV
ajis02-2809	150	5	vary	vary	VERB
ajis02-2809	150	6	across	across	ADP
ajis02-2809	150	7	different	different	ADJ
ajis02-2809	150	8	groups	group	NOUN
ajis02-2809	150	9	of	of	ADP
ajis02-2809	150	10	interested	interested	ADJ
ajis02-2809	150	11	and	and	CCONJ
ajis02-2809	150	12	non	non	ADJ
ajis02-2809	150	13	-	-	ADJ
ajis02-2809	150	14	interested	interested	ADJ
ajis02-2809	150	15	users	user	NOUN
ajis02-2809	150	16	.	.	PUNCT
ajis02-2809	151	1	this	this	DET
ajis02-2809	151	2	study	study	NOUN
ajis02-2809	151	3	proposes	propose	VERB
ajis02-2809	151	4	that	that	SCONJ
ajis02-2809	151	5	perceived	perceive	VERB
ajis02-2809	151	6	security	security	NOUN
ajis02-2809	151	7	would	would	AUX
ajis02-2809	151	8	mediate	mediate	VERB
ajis02-2809	151	9	the	the	DET
ajis02-2809	151	10	relationship	relationship	NOUN
ajis02-2809	151	11	between	between	ADP
ajis02-2809	151	12	perceived	perceive	VERB
ajis02-2809	151	13	convenience	convenience	NOUN
ajis02-2809	151	14	and	and	CCONJ
ajis02-2809	151	15	intention	intention	NOUN
ajis02-2809	151	16	to	to	PART
ajis02-2809	151	17	use	use	VERB
ajis02-2809	151	18	a	a	DET
ajis02-2809	151	19	gamified	gamifie	VERB
ajis02-2809	151	20	mobile	mobile	ADJ
ajis02-2809	151	21	payment	payment	NOUN
ajis02-2809	151	22	platform	platform	NOUN
ajis02-2809	151	23	.	.	PUNCT
ajis02-2809	152	1	the	the	DET
ajis02-2809	152	2	relationship	relationship	NOUN
ajis02-2809	152	3	between	between	ADP
ajis02-2809	152	4	perceived	perceive	VERB
ajis02-2809	152	5	convenience	convenience	NOUN
ajis02-2809	152	6	and	and	CCONJ
ajis02-2809	152	7	perceived	perceive	VERB
ajis02-2809	152	8	security	security	NOUN
ajis02-2809	152	9	might	might	AUX
ajis02-2809	152	10	be	be	AUX
ajis02-2809	152	11	akin	akin	ADJ
ajis02-2809	152	12	to	to	ADP
ajis02-2809	152	13	the	the	DET
ajis02-2809	152	14	effect	effect	NOUN
ajis02-2809	152	15	from	from	ADP
ajis02-2809	152	16	peu	peu	PROPN
ajis02-2809	152	17	to	to	ADP
ajis02-2809	152	18	pu	pu	PROPN
ajis02-2809	152	19	in	in	ADP
ajis02-2809	152	20	the	the	DET
ajis02-2809	152	21	tam	tam	PROPN
ajis02-2809	152	22	.	.	PUNCT
ajis02-2809	153	1	users	user	NOUN
ajis02-2809	153	2	who	who	PRON
ajis02-2809	153	3	perceive	perceive	VERB
ajis02-2809	153	4	that	that	SCONJ
ajis02-2809	153	5	little	little	ADJ
ajis02-2809	153	6	cognitive	cognitive	ADJ
ajis02-2809	153	7	efforts	effort	NOUN
ajis02-2809	153	8	are	be	AUX
ajis02-2809	153	9	required	require	VERB
ajis02-2809	153	10	to	to	PART
ajis02-2809	153	11	perform	perform	VERB
ajis02-2809	153	12	transactions	transaction	NOUN
ajis02-2809	153	13	using	use	VERB
ajis02-2809	153	14	mobile	mobile	ADJ
ajis02-2809	153	15	payment	payment	NOUN
ajis02-2809	153	16	(	(	PUNCT
ajis02-2809	153	17	i.e.	i.e.	X
ajis02-2809	153	18	,	,	PUNCT
ajis02-2809	153	19	favorable	favorable	ADJ
ajis02-2809	153	20	perceived	perceive	VERB
ajis02-2809	153	21	convenience	convenience	NOUN
ajis02-2809	153	22	)	)	PUNCT
ajis02-2809	153	23	will	will	AUX
ajis02-2809	153	24	form	form	VERB
ajis02-2809	153	25	favorable	favorable	ADJ
ajis02-2809	153	26	perceived	perceive	VERB
ajis02-2809	153	27	security	security	NOUN
ajis02-2809	153	28	that	that	PRON
ajis02-2809	153	29	encourages	encourage	VERB
ajis02-2809	153	30	intention	intention	NOUN
ajis02-2809	153	31	to	to	PART
ajis02-2809	153	32	use	use	VERB
ajis02-2809	153	33	a	a	DET
ajis02-2809	153	34	gamified	gamifie	VERB
ajis02-2809	153	35	mobile	mobile	ADJ
ajis02-2809	153	36	payment	payment	NOUN
ajis02-2809	153	37	platform	platform	NOUN
ajis02-2809	153	38	.	.	PUNCT
ajis02-2809	154	1	thus	thus	ADV
ajis02-2809	154	2	,	,	PUNCT
ajis02-2809	154	3	our	our	PRON
ajis02-2809	154	4	third	third	ADJ
ajis02-2809	154	5	hypothesis	hypothesis	NOUN
ajis02-2809	154	6	is	be	AUX
ajis02-2809	154	7	as	as	SCONJ
ajis02-2809	154	8	follows	follow	VERB
ajis02-2809	154	9	:	:	PUNCT
ajis02-2809	154	10	h3	h3	NOUN
ajis02-2809	154	11	:	:	PUNCT
ajis02-2809	154	12	perceived	perceive	VERB
ajis02-2809	154	13	convenience	convenience	NOUN
ajis02-2809	154	14	positively	positively	ADV
ajis02-2809	154	15	impacts	impact	VERB
ajis02-2809	154	16	perceived	perceive	VERB
ajis02-2809	154	17	security	security	NOUN
ajis02-2809	154	18	.	.	PUNCT
ajis02-2809	155	1	australasian	australasian	ADJ
ajis02-2809	155	2	journal	journal	NOUN
ajis02-2809	155	3	of	of	ADP
ajis02-2809	155	4	information	information	NOUN
ajis02-2809	155	5	systems	systems	PROPN
ajis02-2809	155	6	lai	lai	PROPN
ajis02-2809	155	7	&	&	CCONJ
ajis02-2809	155	8	liew	liew	PROPN
ajis02-2809	155	9	2021	2021	NUM
ajis02-2809	155	10	,	,	PUNCT
ajis02-2809	155	11	vol	vol	NOUN
ajis02-2809	155	12	25	25	NUM
ajis02-2809	155	13	,	,	PUNCT
ajis02-2809	155	14	research	research	NOUN
ajis02-2809	155	15	article	article	NOUN
ajis02-2809	155	16	towards	towards	ADP
ajis02-2809	155	17	a	a	DET
ajis02-2809	155	18	cashless	cashless	NOUN
ajis02-2809	155	19	society	society	NOUN
ajis02-2809	155	20	11	11	NUM
ajis02-2809	155	21	5	5	NUM
ajis02-2809	155	22	methodology	methodology	NOUN
ajis02-2809	155	23	5.1	5.1	NUM
ajis02-2809	155	24	data	datum	NOUN
ajis02-2809	155	25	data	datum	NOUN
ajis02-2809	155	26	was	be	AUX
ajis02-2809	155	27	collected	collect	VERB
ajis02-2809	155	28	using	use	VERB
ajis02-2809	155	29	an	an	DET
ajis02-2809	155	30	online	online	ADJ
ajis02-2809	155	31	questionnaire	questionnaire	NOUN
ajis02-2809	155	32	survey	survey	NOUN
ajis02-2809	155	33	based	base	VERB
ajis02-2809	155	34	on	on	ADP
ajis02-2809	155	35	a	a	DET
ajis02-2809	155	36	non	non	ADJ
ajis02-2809	155	37	-	-	ADJ
ajis02-2809	155	38	probabilistic	probabilistic	ADJ
ajis02-2809	155	39	purposeful	purposeful	ADJ
ajis02-2809	155	40	sampling	sampling	NOUN
ajis02-2809	155	41	method	method	NOUN
ajis02-2809	155	42	.	.	PUNCT
ajis02-2809	156	1	the	the	DET
ajis02-2809	156	2	study	study	NOUN
ajis02-2809	156	3	targeted	target	VERB
ajis02-2809	156	4	only	only	ADV
ajis02-2809	156	5	malaysian	malaysian	ADJ
ajis02-2809	156	6	users	user	NOUN
ajis02-2809	156	7	who	who	PRON
ajis02-2809	156	8	have	have	AUX
ajis02-2809	156	9	had	have	VERB
ajis02-2809	156	10	experience	experience	NOUN
ajis02-2809	156	11	purchasing	purchasing	NOUN
ajis02-2809	156	12	goods	good	NOUN
ajis02-2809	156	13	or	or	CCONJ
ajis02-2809	156	14	using	use	VERB
ajis02-2809	156	15	services	service	NOUN
ajis02-2809	156	16	online	online	ADV
ajis02-2809	156	17	over	over	ADP
ajis02-2809	156	18	the	the	DET
ajis02-2809	156	19	past	past	ADJ
ajis02-2809	156	20	one	one	NUM
ajis02-2809	156	21	(	(	PUNCT
ajis02-2809	156	22	1	1	NUM
ajis02-2809	156	23	)	)	PUNCT
ajis02-2809	156	24	year	year	NOUN
ajis02-2809	156	25	using	use	VERB
ajis02-2809	156	26	a	a	DET
ajis02-2809	156	27	gamified	gamifie	VERB
ajis02-2809	156	28	mobile	mobile	ADJ
ajis02-2809	156	29	payment	payment	NOUN
ajis02-2809	156	30	platform	platform	NOUN
ajis02-2809	156	31	.	.	PUNCT
ajis02-2809	157	1	an	an	DET
ajis02-2809	157	2	email	email	NOUN
ajis02-2809	157	3	blast	blast	NOUN
ajis02-2809	157	4	was	be	AUX
ajis02-2809	157	5	sent	send	VERB
ajis02-2809	157	6	to	to	ADP
ajis02-2809	157	7	a	a	DET
ajis02-2809	157	8	list	list	NOUN
ajis02-2809	157	9	of	of	ADP
ajis02-2809	157	10	1358	1358	NUM
ajis02-2809	157	11	users	user	NOUN
ajis02-2809	157	12	obtained	obtain	VERB
ajis02-2809	157	13	from	from	ADP
ajis02-2809	157	14	a	a	DET
ajis02-2809	157	15	series	series	NOUN
ajis02-2809	157	16	of	of	ADP
ajis02-2809	157	17	ict	ict	PROPN
ajis02-2809	157	18	investor	investor	NOUN
ajis02-2809	157	19	exhibition	exhibition	NOUN
ajis02-2809	157	20	events	event	NOUN
ajis02-2809	157	21	held	hold	VERB
ajis02-2809	157	22	in	in	ADP
ajis02-2809	157	23	the	the	DET
ajis02-2809	157	24	klang	klang	PROPN
ajis02-2809	157	25	valley	valley	PROPN
ajis02-2809	157	26	region	region	PROPN
ajis02-2809	157	27	of	of	ADP
ajis02-2809	157	28	malaysia	malaysia	PROPN
ajis02-2809	157	29	.	.	PUNCT
ajis02-2809	158	1	the	the	DET
ajis02-2809	158	2	questionnaire	questionnaire	NOUN
ajis02-2809	158	3	items	item	NOUN
ajis02-2809	158	4	for	for	ADP
ajis02-2809	158	5	perceived	perceive	VERB
ajis02-2809	158	6	convenience	convenience	NOUN
ajis02-2809	158	7	(	(	PUNCT
ajis02-2809	158	8	6	6	NUM
ajis02-2809	158	9	items	item	NOUN
ajis02-2809	158	10	,	,	PUNCT
ajis02-2809	158	11	c1	c1	NOUN
ajis02-2809	158	12	-	-	PUNCT
ajis02-2809	158	13	6	6	NUM
ajis02-2809	158	14	)	)	PUNCT
ajis02-2809	158	15	,	,	PUNCT
ajis02-2809	158	16	perceived	perceive	VERB
ajis02-2809	158	17	security	security	NOUN
ajis02-2809	158	18	(	(	PUNCT
ajis02-2809	158	19	6	6	NUM
ajis02-2809	158	20	items	item	NOUN
ajis02-2809	158	21	,	,	PUNCT
ajis02-2809	158	22	s16	s16	NOUN
ajis02-2809	158	23	)	)	PUNCT
ajis02-2809	158	24	,	,	PUNCT
ajis02-2809	158	25	and	and	CCONJ
ajis02-2809	158	26	intention	intention	NOUN
ajis02-2809	158	27	to	to	PART
ajis02-2809	158	28	use	use	VERB
ajis02-2809	158	29	(	(	PUNCT
ajis02-2809	158	30	4	4	NUM
ajis02-2809	158	31	items	item	NOUN
ajis02-2809	158	32	,	,	PUNCT
ajis02-2809	158	33	int1	int1	PROPN
ajis02-2809	158	34	-	-	PUNCT
ajis02-2809	158	35	4	4	NUM
ajis02-2809	158	36	)	)	PUNCT
ajis02-2809	158	37	were	be	AUX
ajis02-2809	158	38	adopted	adopt	VERB
ajis02-2809	158	39	from	from	ADP
ajis02-2809	158	40	past	past	ADJ
ajis02-2809	158	41	studies	study	NOUN
ajis02-2809	158	42	developed	develop	VERB
ajis02-2809	158	43	and	and	CCONJ
ajis02-2809	158	44	validated	validate	VERB
ajis02-2809	158	45	in	in	ADP
ajis02-2809	158	46	malaysia	malaysia	PROPN
ajis02-2809	158	47	(	(	PUNCT
ajis02-2809	158	48	lai	lai	PROPN
ajis02-2809	158	49	,	,	PUNCT
ajis02-2809	158	50	2017	2017	NUM
ajis02-2809	158	51	;	;	PUNCT
ajis02-2809	158	52	lai	lai	PROPN
ajis02-2809	158	53	et	et	PROPN
ajis02-2809	158	54	al	al	PROPN
ajis02-2809	158	55	.	.	PROPN
ajis02-2809	158	56	,	,	PUNCT
ajis02-2809	158	57	2019	2019	NUM
ajis02-2809	158	58	)	)	PUNCT
ajis02-2809	158	59	.	.	PUNCT
ajis02-2809	159	1	5.2	5.2	NUM
ajis02-2809	159	2	sample	sample	NOUN
ajis02-2809	159	3	statistics	statistic	NOUN
ajis02-2809	159	4	the	the	DET
ajis02-2809	159	5	final	final	ADJ
ajis02-2809	159	6	sample	sample	NOUN
ajis02-2809	159	7	contained	contain	VERB
ajis02-2809	159	8	388	388	NUM
ajis02-2809	159	9	usable	usable	ADJ
ajis02-2809	159	10	responses	response	NOUN
ajis02-2809	159	11	for	for	ADP
ajis02-2809	159	12	further	further	ADJ
ajis02-2809	159	13	analysis	analysis	NOUN
ajis02-2809	159	14	after	after	ADP
ajis02-2809	159	15	removing	remove	VERB
ajis02-2809	159	16	nonresponses	nonresponse	NOUN
ajis02-2809	159	17	and	and	CCONJ
ajis02-2809	159	18	incomplete	incomplete	ADJ
ajis02-2809	159	19	responses	response	NOUN
ajis02-2809	159	20	.	.	PUNCT
ajis02-2809	160	1	male	male	ADJ
ajis02-2809	160	2	users	user	NOUN
ajis02-2809	160	3	(	(	PUNCT
ajis02-2809	160	4	230	230	NUM
ajis02-2809	160	5	,	,	PUNCT
ajis02-2809	160	6	59.3	59.3	NUM
ajis02-2809	160	7	%	%	NOUN
ajis02-2809	160	8	)	)	PUNCT
ajis02-2809	160	9	were	be	AUX
ajis02-2809	160	10	more	more	ADJ
ajis02-2809	160	11	than	than	ADP
ajis02-2809	160	12	female	female	ADJ
ajis02-2809	160	13	users	user	NOUN
ajis02-2809	160	14	(	(	PUNCT
ajis02-2809	160	15	158	158	NUM
ajis02-2809	160	16	,	,	PUNCT
ajis02-2809	160	17	40.7	40.7	NUM
ajis02-2809	160	18	%	%	NOUN
ajis02-2809	160	19	)	)	PUNCT
ajis02-2809	160	20	,	,	PUNCT
ajis02-2809	160	21	mostly	mostly	ADV
ajis02-2809	160	22	in	in	ADP
ajis02-2809	160	23	the	the	DET
ajis02-2809	160	24	age	age	NOUN
ajis02-2809	160	25	groups	group	NOUN
ajis02-2809	160	26	of	of	ADP
ajis02-2809	160	27	26	26	NUM
ajis02-2809	160	28	-	-	SYM
ajis02-2809	160	29	40	40	NUM
ajis02-2809	160	30	(	(	PUNCT
ajis02-2809	160	31	181	181	NUM
ajis02-2809	160	32	,	,	PUNCT
ajis02-2809	160	33	46.6	46.6	NUM
ajis02-2809	160	34	%	%	NOUN
ajis02-2809	160	35	)	)	PUNCT
ajis02-2809	160	36	and	and	CCONJ
ajis02-2809	160	37	41	41	NUM
ajis02-2809	160	38	-	-	SYM
ajis02-2809	160	39	55	55	NUM
ajis02-2809	160	40	(	(	PUNCT
ajis02-2809	160	41	102	102	NUM
ajis02-2809	160	42	,	,	PUNCT
ajis02-2809	160	43	26.3	26.3	NUM
ajis02-2809	160	44	%	%	NOUN
ajis02-2809	160	45	)	)	PUNCT
ajis02-2809	160	46	.	.	PUNCT
ajis02-2809	161	1	there	there	PRON
ajis02-2809	161	2	were	be	VERB
ajis02-2809	161	3	87	87	NUM
ajis02-2809	161	4	(	(	PUNCT
ajis02-2809	161	5	22.4	22.4	NUM
ajis02-2809	161	6	%	%	NOUN
ajis02-2809	161	7	)	)	PUNCT
ajis02-2809	161	8	young	young	ADJ
ajis02-2809	161	9	users	user	NOUN
ajis02-2809	161	10	below	below	ADP
ajis02-2809	161	11	25	25	NUM
ajis02-2809	161	12	years	year	NOUN
ajis02-2809	161	13	old	old	ADJ
ajis02-2809	161	14	and	and	CCONJ
ajis02-2809	161	15	18	18	NUM
ajis02-2809	161	16	(	(	PUNCT
ajis02-2809	161	17	4.6	4.6	NUM
ajis02-2809	161	18	%	%	NOUN
ajis02-2809	161	19	)	)	PUNCT
ajis02-2809	161	20	elderly	elderly	ADJ
ajis02-2809	161	21	users	user	NOUN
ajis02-2809	161	22	above	above	ADP
ajis02-2809	161	23	the	the	DET
ajis02-2809	161	24	retirement	retirement	NOUN
ajis02-2809	161	25	age	age	NOUN
ajis02-2809	161	26	of	of	ADP
ajis02-2809	161	27	56	56	NUM
ajis02-2809	161	28	.	.	PUNCT
ajis02-2809	162	1	most	most	ADJ
ajis02-2809	162	2	of	of	ADP
ajis02-2809	162	3	the	the	DET
ajis02-2809	162	4	respondents	respondent	NOUN
ajis02-2809	162	5	were	be	AUX
ajis02-2809	162	6	single	single	ADJ
ajis02-2809	162	7	(	(	PUNCT
ajis02-2809	162	8	204	204	NUM
ajis02-2809	162	9	,	,	PUNCT
ajis02-2809	162	10	52.6	52.6	NUM
ajis02-2809	162	11	%	%	NOUN
ajis02-2809	162	12	)	)	PUNCT
ajis02-2809	162	13	than	than	ADP
ajis02-2809	162	14	married	married	ADJ
ajis02-2809	162	15	(	(	PUNCT
ajis02-2809	162	16	184	184	NUM
ajis02-2809	162	17	,	,	PUNCT
ajis02-2809	162	18	47.4	47.4	NUM
ajis02-2809	162	19	%	%	NOUN
ajis02-2809	162	20	)	)	PUNCT
ajis02-2809	162	21	and	and	CCONJ
ajis02-2809	162	22	well	well	ADV
ajis02-2809	162	23	educated	educate	VERB
ajis02-2809	162	24	with	with	ADP
ajis02-2809	162	25	264	264	NUM
ajis02-2809	162	26	of	of	ADP
ajis02-2809	162	27	them	they	PRON
ajis02-2809	162	28	(	(	PUNCT
ajis02-2809	162	29	68.0	68.0	NUM
ajis02-2809	162	30	%	%	NOUN
ajis02-2809	162	31	)	)	PUNCT
ajis02-2809	162	32	graduated	graduate	VERB
ajis02-2809	162	33	from	from	ADP
ajis02-2809	162	34	colleges	college	NOUN
ajis02-2809	162	35	or	or	CCONJ
ajis02-2809	162	36	universities	university	NOUN
ajis02-2809	162	37	,	,	PUNCT
ajis02-2809	162	38	78	78	NUM
ajis02-2809	162	39	(	(	PUNCT
ajis02-2809	162	40	20.1	20.1	NUM
ajis02-2809	162	41	%	%	NOUN
ajis02-2809	162	42	)	)	PUNCT
ajis02-2809	162	43	from	from	ADP
ajis02-2809	162	44	secondary	secondary	ADJ
ajis02-2809	162	45	or	or	CCONJ
ajis02-2809	162	46	high	high	ADJ
ajis02-2809	162	47	school	school	NOUN
ajis02-2809	162	48	,	,	PUNCT
ajis02-2809	162	49	and	and	CCONJ
ajis02-2809	162	50	46	46	NUM
ajis02-2809	162	51	(	(	PUNCT
ajis02-2809	162	52	11.9	11.9	NUM
ajis02-2809	162	53	%	%	NOUN
ajis02-2809	162	54	)	)	PUNCT
ajis02-2809	162	55	from	from	ADP
ajis02-2809	162	56	graduate	graduate	NOUN
ajis02-2809	162	57	schools	school	NOUN
ajis02-2809	162	58	.	.	PUNCT
ajis02-2809	163	1	besides	besides	SCONJ
ajis02-2809	163	2	the	the	DET
ajis02-2809	163	3	78	78	NUM
ajis02-2809	163	4	respondents	respondent	NOUN
ajis02-2809	163	5	still	still	ADV
ajis02-2809	163	6	studying	study	VERB
ajis02-2809	163	7	,	,	PUNCT
ajis02-2809	163	8	most	most	ADJ
ajis02-2809	163	9	respondents	respondent	NOUN
ajis02-2809	163	10	were	be	AUX
ajis02-2809	163	11	working	work	VERB
ajis02-2809	163	12	in	in	ADP
ajis02-2809	163	13	the	the	DET
ajis02-2809	163	14	ict/	ict/	ADJ
ajis02-2809	163	15	manufacturing	manufacturing	NOUN
ajis02-2809	163	16	sector	sector	NOUN
ajis02-2809	163	17	(	(	PUNCT
ajis02-2809	163	18	172	172	NUM
ajis02-2809	163	19	,	,	PUNCT
ajis02-2809	163	20	44.3	44.3	NUM
ajis02-2809	163	21	%	%	NOUN
ajis02-2809	163	22	)	)	PUNCT
ajis02-2809	163	23	,	,	PUNCT
ajis02-2809	163	24	followed	follow	VERB
ajis02-2809	163	25	by	by	ADP
ajis02-2809	163	26	other	other	ADJ
ajis02-2809	163	27	sectors	sector	NOUN
ajis02-2809	163	28	(	(	PUNCT
ajis02-2809	163	29	67	67	NUM
ajis02-2809	163	30	,	,	PUNCT
ajis02-2809	163	31	17.3	17.3	NUM
ajis02-2809	163	32	%	%	NOUN
ajis02-2809	163	33	)	)	PUNCT
ajis02-2809	163	34	,	,	PUNCT
ajis02-2809	163	35	banking/	banking/	VERB
ajis02-2809	163	36	finance	finance	NOUN
ajis02-2809	163	37	(	(	PUNCT
ajis02-2809	163	38	37	37	NUM
ajis02-2809	163	39	,	,	PUNCT
ajis02-2809	163	40	9.5	9.5	NUM
ajis02-2809	163	41	%	%	NOUN
ajis02-2809	163	42	)	)	PUNCT
ajis02-2809	163	43	,	,	PUNCT
ajis02-2809	163	44	and	and	CCONJ
ajis02-2809	163	45	retail/	retail/	NUM
ajis02-2809	163	46	hypermarket	hypermarket	NOUN
ajis02-2809	163	47	(	(	PUNCT
ajis02-2809	163	48	34	34	NUM
ajis02-2809	163	49	,	,	PUNCT
ajis02-2809	163	50	8.8	8.8	NUM
ajis02-2809	163	51	%	%	NOUN
ajis02-2809	163	52	)	)	PUNCT
ajis02-2809	163	53	.	.	PUNCT
ajis02-2809	164	1	165	165	NUM
ajis02-2809	164	2	respondents	respondent	NOUN
ajis02-2809	164	3	were	be	AUX
ajis02-2809	164	4	holding	hold	VERB
ajis02-2809	164	5	middle	middle	ADJ
ajis02-2809	164	6	management	management	NOUN
ajis02-2809	164	7	positions	position	NOUN
ajis02-2809	164	8	(	(	PUNCT
ajis02-2809	164	9	42.5	42.5	NUM
ajis02-2809	164	10	%	%	NOUN
ajis02-2809	164	11	)	)	PUNCT
ajis02-2809	164	12	,	,	PUNCT
ajis02-2809	164	13	56	56	NUM
ajis02-2809	164	14	junior	junior	ADJ
ajis02-2809	164	15	management	management	NOUN
ajis02-2809	164	16	positions	position	NOUN
ajis02-2809	164	17	(	(	PUNCT
ajis02-2809	164	18	14.4	14.4	NUM
ajis02-2809	164	19	%	%	NOUN
ajis02-2809	164	20	)	)	PUNCT
ajis02-2809	164	21	,	,	PUNCT
ajis02-2809	164	22	46	46	NUM
ajis02-2809	164	23	professional	professional	ADJ
ajis02-2809	164	24	positions	position	NOUN
ajis02-2809	164	25	(	(	PUNCT
ajis02-2809	164	26	11.9	11.9	NUM
ajis02-2809	164	27	%	%	NOUN
ajis02-2809	164	28	)	)	PUNCT
ajis02-2809	164	29	,	,	PUNCT
ajis02-2809	164	30	24	24	NUM
ajis02-2809	164	31	top	top	ADJ
ajis02-2809	164	32	management	management	NOUN
ajis02-2809	164	33	positions	position	NOUN
ajis02-2809	164	34	(	(	PUNCT
ajis02-2809	164	35	6.2	6.2	NUM
ajis02-2809	164	36	%	%	NOUN
ajis02-2809	164	37	)	)	PUNCT
ajis02-2809	164	38	,	,	PUNCT
ajis02-2809	164	39	and	and	CCONJ
ajis02-2809	164	40	97	97	NUM
ajis02-2809	164	41	other	other	ADJ
ajis02-2809	164	42	positions	position	NOUN
ajis02-2809	164	43	(	(	PUNCT
ajis02-2809	164	44	25.0	25.0	NUM
ajis02-2809	164	45	%	%	NOUN
ajis02-2809	164	46	)	)	PUNCT
ajis02-2809	164	47	.	.	PUNCT
ajis02-2809	165	1	in	in	ADP
ajis02-2809	165	2	particular	particular	ADJ
ajis02-2809	165	3	,	,	PUNCT
ajis02-2809	165	4	there	there	PRON
ajis02-2809	165	5	were	be	VERB
ajis02-2809	165	6	more	more	ADV
ajis02-2809	165	7	interested	interested	ADJ
ajis02-2809	165	8	users	user	NOUN
ajis02-2809	165	9	in	in	ADP
ajis02-2809	165	10	using	use	VERB
ajis02-2809	165	11	gamified	gamifie	VERB
ajis02-2809	165	12	mobile	mobile	ADJ
ajis02-2809	165	13	payment	payment	NOUN
ajis02-2809	165	14	platform	platform	NOUN
ajis02-2809	165	15	(	(	PUNCT
ajis02-2809	165	16	240	240	NUM
ajis02-2809	165	17	(	(	PUNCT
ajis02-2809	165	18	61.9	61.9	NUM
ajis02-2809	165	19	%	%	NOUN
ajis02-2809	165	20	)	)	PUNCT
ajis02-2809	165	21	strongly	strongly	ADV
ajis02-2809	165	22	interested	interested	ADJ
ajis02-2809	165	23	;	;	PUNCT
ajis02-2809	165	24	14	14	NUM
ajis02-2809	165	25	(	(	PUNCT
ajis02-2809	165	26	3.6	3.6	NUM
ajis02-2809	165	27	%	%	NOUN
ajis02-2809	165	28	)	)	PUNCT
ajis02-2809	165	29	interested	interested	ADJ
ajis02-2809	165	30	)	)	PUNCT
ajis02-2809	165	31	compared	compare	VERB
ajis02-2809	165	32	to	to	ADP
ajis02-2809	165	33	users	user	NOUN
ajis02-2809	165	34	who	who	PRON
ajis02-2809	165	35	were	be	AUX
ajis02-2809	165	36	just	just	ADV
ajis02-2809	165	37	neutral	neutral	ADJ
ajis02-2809	165	38	(	(	PUNCT
ajis02-2809	165	39	106	106	NUM
ajis02-2809	165	40	,	,	PUNCT
ajis02-2809	165	41	27.3	27.3	NUM
ajis02-2809	165	42	%	%	NOUN
ajis02-2809	165	43	)	)	PUNCT
ajis02-2809	165	44	or	or	CCONJ
ajis02-2809	165	45	not	not	PART
ajis02-2809	165	46	interested	interested	ADJ
ajis02-2809	165	47	(	(	PUNCT
ajis02-2809	165	48	26	26	NUM
ajis02-2809	165	49	,	,	PUNCT
ajis02-2809	165	50	6.7	6.7	NUM
ajis02-2809	165	51	%	%	NOUN
ajis02-2809	165	52	)	)	PUNCT
ajis02-2809	165	53	or	or	CCONJ
ajis02-2809	165	54	strongly	strongly	ADV
ajis02-2809	165	55	not	not	PART
ajis02-2809	165	56	interested	interested	ADJ
ajis02-2809	165	57	(	(	PUNCT
ajis02-2809	165	58	2	2	NUM
ajis02-2809	165	59	,	,	PUNCT
ajis02-2809	165	60	0.5	0.5	NUM
ajis02-2809	165	61	%	%	NOUN
ajis02-2809	165	62	)	)	PUNCT
ajis02-2809	165	63	.	.	PUNCT
ajis02-2809	166	1	5.3	5.3	NUM
ajis02-2809	166	2	statistical	statistical	ADJ
ajis02-2809	166	3	analysis	analysis	NOUN
ajis02-2809	166	4	a	a	DET
ajis02-2809	166	5	multivariate	multivariate	NOUN
ajis02-2809	166	6	analysis	analysis	NOUN
ajis02-2809	166	7	based	base	VERB
ajis02-2809	166	8	on	on	ADP
ajis02-2809	166	9	the	the	DET
ajis02-2809	166	10	partial	partial	ADJ
ajis02-2809	166	11	least	least	ADJ
ajis02-2809	166	12	squares	square	NOUN
ajis02-2809	166	13	structural	structural	ADJ
ajis02-2809	166	14	equation	equation	NOUN
ajis02-2809	166	15	modeling	modeling	NOUN
ajis02-2809	166	16	(	(	PUNCT
ajis02-2809	166	17	plssem	plssem	NOUN
ajis02-2809	166	18	)	)	PUNCT
ajis02-2809	166	19	method	method	NOUN
ajis02-2809	166	20	was	be	AUX
ajis02-2809	166	21	conducted	conduct	VERB
ajis02-2809	166	22	using	use	VERB
ajis02-2809	166	23	the	the	DET
ajis02-2809	166	24	smartpls	smartpls	NOUN
ajis02-2809	166	25	3	3	NUM
ajis02-2809	166	26	software	software	NOUN
ajis02-2809	166	27	(	(	PUNCT
ajis02-2809	166	28	ringle	ringle	NOUN
ajis02-2809	166	29	,	,	PUNCT
ajis02-2809	166	30	wende	wende	X
ajis02-2809	166	31	,	,	PUNCT
ajis02-2809	166	32	&	&	CCONJ
ajis02-2809	166	33	becker	becker	PROPN
ajis02-2809	166	34	,	,	PUNCT
ajis02-2809	166	35	2015	2015	NUM
ajis02-2809	166	36	)	)	PUNCT
ajis02-2809	166	37	.	.	PUNCT
ajis02-2809	167	1	the	the	DET
ajis02-2809	167	2	pls	pls	NOUN
ajis02-2809	167	3	-	-	PUNCT
ajis02-2809	167	4	sem	sem	PROPN
ajis02-2809	167	5	emphasizes	emphasize	VERB
ajis02-2809	167	6	a	a	DET
ajis02-2809	167	7	causal	causal	ADJ
ajis02-2809	167	8	-	-	PUNCT
ajis02-2809	167	9	predictive	predictive	ADJ
ajis02-2809	167	10	approach	approach	NOUN
ajis02-2809	167	11	to	to	ADP
ajis02-2809	167	12	sem	sem	NOUN
ajis02-2809	167	13	that	that	PRON
ajis02-2809	167	14	provides	provide	VERB
ajis02-2809	167	15	causal	causal	ADJ
ajis02-2809	167	16	explanations	explanation	NOUN
ajis02-2809	167	17	without	without	ADP
ajis02-2809	167	18	imposing	impose	VERB
ajis02-2809	167	19	distributional	distributional	ADJ
ajis02-2809	167	20	assumptions	assumption	NOUN
ajis02-2809	167	21	(	(	PUNCT
ajis02-2809	167	22	hair	hair	NOUN
ajis02-2809	167	23	,	,	PUNCT
ajis02-2809	167	24	sarstedt	sarstedt	NOUN
ajis02-2809	167	25	,	,	PUNCT
ajis02-2809	167	26	ringle	ringle	NOUN
ajis02-2809	167	27	,	,	PUNCT
ajis02-2809	167	28	&	&	CCONJ
ajis02-2809	167	29	gudergan	gudergan	ADJ
ajis02-2809	167	30	,	,	PUNCT
ajis02-2809	167	31	2018	2018	NUM
ajis02-2809	167	32	)	)	PUNCT
ajis02-2809	167	33	.	.	PUNCT
ajis02-2809	168	1	in	in	ADP
ajis02-2809	168	2	comparison	comparison	NOUN
ajis02-2809	168	3	,	,	PUNCT
ajis02-2809	168	4	covariance	covariance	NOUN
ajis02-2809	168	5	-	-	PUNCT
ajis02-2809	168	6	based	base	VERB
ajis02-2809	168	7	cb	cb	PROPN
ajis02-2809	168	8	-	-	PUNCT
ajis02-2809	168	9	sem	sem	PROPN
ajis02-2809	168	10	has	have	VERB
ajis02-2809	168	11	numerous	numerous	ADJ
ajis02-2809	168	12	restrictive	restrictive	ADJ
ajis02-2809	168	13	assumptions	assumption	NOUN
ajis02-2809	168	14	and	and	CCONJ
ajis02-2809	168	15	focuses	focus	VERB
ajis02-2809	168	16	on	on	ADP
ajis02-2809	168	17	model	model	NOUN
ajis02-2809	168	18	fitting	fit	VERB
ajis02-2809	168	19	for	for	ADP
ajis02-2809	168	20	theory	theory	NOUN
ajis02-2809	168	21	confirmation	confirmation	NOUN
ajis02-2809	168	22	(	(	PUNCT
ajis02-2809	168	23	hair	hair	NOUN
ajis02-2809	168	24	,	,	PUNCT
ajis02-2809	168	25	risher	risher	ADV
ajis02-2809	168	26	,	,	PUNCT
ajis02-2809	168	27	sarstedt	sarstedt	NOUN
ajis02-2809	168	28	,	,	PUNCT
ajis02-2809	168	29	&	&	CCONJ
ajis02-2809	168	30	ringle	ringle	PROPN
ajis02-2809	168	31	,	,	PUNCT
ajis02-2809	168	32	2019	2019	NUM
ajis02-2809	168	33	)	)	PUNCT
ajis02-2809	168	34	.	.	PUNCT
ajis02-2809	169	1	in	in	ADP
ajis02-2809	169	2	this	this	DET
ajis02-2809	169	3	study	study	NOUN
ajis02-2809	169	4	,	,	PUNCT
ajis02-2809	169	5	pls	pls	PROPN
ajis02-2809	169	6	-	-	PUNCT
ajis02-2809	169	7	sem	sem	PROPN
ajis02-2809	169	8	was	be	AUX
ajis02-2809	169	9	preferred	prefer	VERB
ajis02-2809	169	10	as	as	ADP
ajis02-2809	169	11	a	a	DET
ajis02-2809	169	12	non	non	ADJ
ajis02-2809	169	13	-	-	ADJ
ajis02-2809	169	14	parametric	parametric	ADJ
ajis02-2809	169	15	,	,	PUNCT
ajis02-2809	169	16	variance	variance	NOUN
ajis02-2809	169	17	-	-	PUNCT
ajis02-2809	169	18	based	base	VERB
ajis02-2809	169	19	approach	approach	NOUN
ajis02-2809	169	20	to	to	ADP
ajis02-2809	169	21	(	(	PUNCT
ajis02-2809	169	22	i	i	NOUN
ajis02-2809	169	23	)	)	PUNCT
ajis02-2809	169	24	explore	explore	VERB
ajis02-2809	169	25	a	a	DET
ajis02-2809	169	26	value	value	NOUN
ajis02-2809	169	27	-	-	PUNCT
ajis02-2809	169	28	based	base	VERB
ajis02-2809	169	29	theoretical	theoretical	ADJ
ajis02-2809	169	30	framework	framework	NOUN
ajis02-2809	169	31	that	that	PRON
ajis02-2809	169	32	is	be	AUX
ajis02-2809	169	33	lesser	lesser	ADV
ajis02-2809	169	34	-	-	PUNCT
ajis02-2809	169	35	known	know	VERB
ajis02-2809	169	36	than	than	ADP
ajis02-2809	169	37	the	the	DET
ajis02-2809	169	38	dominant	dominant	PROPN
ajis02-2809	169	39	tam	tam	PROPN
ajis02-2809	169	40	,	,	PUNCT
ajis02-2809	169	41	(	(	PUNCT
ajis02-2809	169	42	ii	ii	NOUN
ajis02-2809	169	43	)	)	PUNCT
ajis02-2809	169	44	explain	explain	VERB
ajis02-2809	169	45	the	the	DET
ajis02-2809	169	46	causal	causal	ADJ
ajis02-2809	169	47	relationship	relationship	NOUN
ajis02-2809	169	48	between	between	ADP
ajis02-2809	169	49	perceived	perceive	VERB
ajis02-2809	169	50	convenience	convenience	NOUN
ajis02-2809	169	51	and	and	CCONJ
ajis02-2809	169	52	perceived	perceive	VERB
ajis02-2809	169	53	security	security	NOUN
ajis02-2809	169	54	on	on	ADP
ajis02-2809	169	55	adoption	adoption	NOUN
ajis02-2809	169	56	intention	intention	NOUN
ajis02-2809	169	57	,	,	PUNCT
ajis02-2809	169	58	and	and	CCONJ
ajis02-2809	169	59	(	(	PUNCT
ajis02-2809	169	60	iii	iii	X
ajis02-2809	169	61	)	)	PUNCT
ajis02-2809	169	62	predict	predict	VERB
ajis02-2809	169	63	individual	individual	ADJ
ajis02-2809	169	64	users	user	NOUN
ajis02-2809	169	65	’	’	PART
ajis02-2809	169	66	intention	intention	NOUN
ajis02-2809	169	67	to	to	PART
ajis02-2809	169	68	use	use	VERB
ajis02-2809	169	69	a	a	DET
ajis02-2809	169	70	gamified	gamifie	VERB
ajis02-2809	169	71	mobile	mobile	ADJ
ajis02-2809	169	72	payment	payment	NOUN
ajis02-2809	169	73	platform	platform	NOUN
ajis02-2809	169	74	.	.	PUNCT
ajis02-2809	170	1	6	6	NUM
ajis02-2809	170	2	empirical	empirical	ADJ
ajis02-2809	170	3	results	result	NOUN
ajis02-2809	170	4	this	this	DET
ajis02-2809	170	5	study	study	NOUN
ajis02-2809	170	6	followed	follow	VERB
ajis02-2809	170	7	hair	hair	NOUN
ajis02-2809	170	8	et	et	PROPN
ajis02-2809	170	9	al	al	PROPN
ajis02-2809	170	10	.	.	PROPN
ajis02-2809	170	11	’s	’s	PART
ajis02-2809	170	12	(	(	PUNCT
ajis02-2809	170	13	2019	2019	NUM
ajis02-2809	170	14	)	)	PUNCT
ajis02-2809	170	15	research	research	NOUN
ajis02-2809	170	16	guidelines	guideline	NOUN
ajis02-2809	170	17	for	for	ADP
ajis02-2809	170	18	evaluating	evaluate	VERB
ajis02-2809	170	19	the	the	DET
ajis02-2809	170	20	measurement	measurement	NOUN
ajis02-2809	170	21	and	and	CCONJ
ajis02-2809	170	22	structural	structural	ADJ
ajis02-2809	170	23	models	model	NOUN
ajis02-2809	170	24	in	in	ADP
ajis02-2809	170	25	pls	pls	NOUN
ajis02-2809	170	26	-	-	PUNCT
ajis02-2809	170	27	sem	sem	NOUN
ajis02-2809	170	28	.	.	PUNCT
ajis02-2809	171	1	the	the	DET
ajis02-2809	171	2	measurement	measurement	NOUN
ajis02-2809	171	3	model	model	NOUN
ajis02-2809	171	4	satisfied	satisfy	VERB
ajis02-2809	171	5	all	all	PRON
ajis02-2809	171	6	of	of	ADP
ajis02-2809	171	7	the	the	DET
ajis02-2809	171	8	evaluation	evaluation	NOUN
ajis02-2809	171	9	criteria	criterion	NOUN
ajis02-2809	171	10	for	for	ADP
ajis02-2809	171	11	internal	internal	ADJ
ajis02-2809	171	12	consistency	consistency	NOUN
ajis02-2809	171	13	reliability	reliability	NOUN
ajis02-2809	171	14	,	,	PUNCT
ajis02-2809	171	15	convergent	convergent	NOUN
ajis02-2809	171	16	validity	validity	NOUN
ajis02-2809	171	17	,	,	PUNCT
ajis02-2809	171	18	and	and	CCONJ
ajis02-2809	171	19	discriminant	discriminant	ADJ
ajis02-2809	171	20	validity	validity	NOUN
ajis02-2809	171	21	.	.	PUNCT
ajis02-2809	172	1	the	the	DET
ajis02-2809	172	2	australasian	australasian	ADJ
ajis02-2809	172	3	journal	journal	NOUN
ajis02-2809	172	4	of	of	ADP
ajis02-2809	172	5	information	information	NOUN
ajis02-2809	172	6	systems	systems	PROPN
ajis02-2809	172	7	lai	lai	PROPN
ajis02-2809	172	8	&	&	CCONJ
ajis02-2809	172	9	liew	liew	PROPN
ajis02-2809	172	10	2021	2021	NUM
ajis02-2809	172	11	,	,	PUNCT
ajis02-2809	172	12	vol	vol	NOUN
ajis02-2809	172	13	25	25	NUM
ajis02-2809	172	14	,	,	PUNCT
ajis02-2809	172	15	research	research	NOUN
ajis02-2809	172	16	article	article	NOUN
ajis02-2809	172	17	towards	towards	ADP
ajis02-2809	172	18	a	a	DET
ajis02-2809	172	19	cashless	cashless	NOUN
ajis02-2809	172	20	society	society	NOUN
ajis02-2809	172	21	12	12	NUM
ajis02-2809	172	22	hypotheses	hypothesis	NOUN
ajis02-2809	172	23	of	of	ADP
ajis02-2809	172	24	this	this	DET
ajis02-2809	172	25	study	study	NOUN
ajis02-2809	172	26	were	be	AUX
ajis02-2809	172	27	tested	test	VERB
ajis02-2809	172	28	in	in	ADP
ajis02-2809	172	29	the	the	DET
ajis02-2809	172	30	structural	structural	ADJ
ajis02-2809	172	31	model	model	NOUN
ajis02-2809	172	32	.	.	PUNCT
ajis02-2809	173	1	statistical	statistical	ADJ
ajis02-2809	173	2	inferences	inference	NOUN
ajis02-2809	173	3	were	be	AUX
ajis02-2809	173	4	based	base	VERB
ajis02-2809	173	5	on	on	ADP
ajis02-2809	173	6	the	the	DET
ajis02-2809	173	7	associated	associated	PROPN
ajis02-2809	173	8	t	t	PROPN
ajis02-2809	173	9	-	-	PUNCT
ajis02-2809	173	10	statistics	statistic	NOUN
ajis02-2809	173	11	above	above	ADP
ajis02-2809	173	12	±1.96	±1.96	PROPN
ajis02-2809	173	13	for	for	ADP
ajis02-2809	173	14	a	a	DET
ajis02-2809	173	15	two	two	NUM
ajis02-2809	173	16	-	-	PUNCT
ajis02-2809	173	17	tailed	tail	VERB
ajis02-2809	173	18	test	test	NOUN
ajis02-2809	173	19	at	at	ADP
ajis02-2809	173	20	the	the	DET
ajis02-2809	173	21	5	5	NUM
ajis02-2809	173	22	%	%	NOUN
ajis02-2809	173	23	level	level	NOUN
ajis02-2809	173	24	of	of	ADP
ajis02-2809	173	25	significance	significance	NOUN
ajis02-2809	173	26	.	.	PUNCT
ajis02-2809	174	1	6.1	6.1	NUM
ajis02-2809	174	2	measurement	measurement	NOUN
ajis02-2809	174	3	model	model	NOUN
ajis02-2809	174	4	for	for	ADP
ajis02-2809	174	5	construct	construct	VERB
ajis02-2809	174	6	reliability	reliability	NOUN
ajis02-2809	174	7	and	and	CCONJ
ajis02-2809	174	8	validity	validity	NOUN
ajis02-2809	174	9	,	,	PUNCT
ajis02-2809	174	10	all	all	DET
ajis02-2809	174	11	constructs	construct	NOUN
ajis02-2809	174	12	met	meet	VERB
ajis02-2809	174	13	the	the	DET
ajis02-2809	174	14	evaluation	evaluation	NOUN
ajis02-2809	174	15	requirements	requirement	NOUN
ajis02-2809	174	16	with	with	ADP
ajis02-2809	174	17	composite	composite	ADJ
ajis02-2809	174	18	reliability	reliability	NOUN
ajis02-2809	174	19	(	(	PUNCT
ajis02-2809	174	20	cr	cr	NOUN
ajis02-2809	174	21	)	)	PUNCT
ajis02-2809	174	22	greater	great	ADJ
ajis02-2809	174	23	than	than	ADP
ajis02-2809	174	24	the	the	DET
ajis02-2809	174	25	threshold	threshold	NOUN
ajis02-2809	174	26	of	of	ADP
ajis02-2809	174	27	0.70	0.70	NUM
ajis02-2809	174	28	and	and	CCONJ
ajis02-2809	174	29	average	average	ADJ
ajis02-2809	174	30	variance	variance	NOUN
ajis02-2809	174	31	extracted	extract	VERB
ajis02-2809	174	32	(	(	PUNCT
ajis02-2809	174	33	ave	ave	NOUN
ajis02-2809	174	34	)	)	PUNCT
ajis02-2809	174	35	greater	great	ADJ
ajis02-2809	174	36	than	than	ADP
ajis02-2809	174	37	the	the	DET
ajis02-2809	174	38	threshold	threshold	NOUN
ajis02-2809	174	39	of	of	ADP
ajis02-2809	174	40	0.50	0.50	NUM
ajis02-2809	174	41	(	(	PUNCT
ajis02-2809	174	42	see	see	VERB
ajis02-2809	174	43	table	table	NOUN
ajis02-2809	174	44	1	1	NUM
ajis02-2809	174	45	)	)	PUNCT
ajis02-2809	174	46	.	.	PUNCT
ajis02-2809	175	1	almost	almost	ADV
ajis02-2809	175	2	all	all	PRON
ajis02-2809	175	3	of	of	ADP
ajis02-2809	175	4	the	the	DET
ajis02-2809	175	5	item	item	NOUN
ajis02-2809	175	6	loadings	loading	NOUN
ajis02-2809	175	7	were	be	AUX
ajis02-2809	175	8	greater	great	ADJ
ajis02-2809	175	9	than	than	ADP
ajis02-2809	175	10	0.708	0.708	NUM
ajis02-2809	175	11	,	,	PUNCT
ajis02-2809	175	12	with	with	ADP
ajis02-2809	175	13	most	most	ADJ
ajis02-2809	175	14	of	of	ADP
ajis02-2809	175	15	the	the	DET
ajis02-2809	175	16	items	item	NOUN
ajis02-2809	175	17	above	above	ADP
ajis02-2809	175	18	0.800	0.800	NUM
ajis02-2809	175	19	.	.	PUNCT
ajis02-2809	176	1	only	only	ADV
ajis02-2809	176	2	one	one	NUM
ajis02-2809	176	3	item	item	NOUN
ajis02-2809	176	4	(	(	PUNCT
ajis02-2809	176	5	s4	s4	PROPN
ajis02-2809	176	6	)	)	PUNCT
ajis02-2809	176	7	had	have	VERB
ajis02-2809	176	8	a	a	DET
ajis02-2809	176	9	loading	loading	NOUN
ajis02-2809	176	10	of	of	ADP
ajis02-2809	176	11	0.646	0.646	NUM
ajis02-2809	176	12	but	but	CCONJ
ajis02-2809	176	13	did	do	AUX
ajis02-2809	176	14	not	not	PART
ajis02-2809	176	15	significantly	significantly	ADV
ajis02-2809	176	16	threaten	threaten	VERB
ajis02-2809	176	17	the	the	DET
ajis02-2809	176	18	internal	internal	ADJ
ajis02-2809	176	19	consistency	consistency	NOUN
ajis02-2809	176	20	and	and	CCONJ
ajis02-2809	176	21	convergent	convergent	NOUN
ajis02-2809	176	22	validity	validity	NOUN
ajis02-2809	176	23	of	of	ADP
ajis02-2809	176	24	the	the	DET
ajis02-2809	176	25	related	relate	VERB
ajis02-2809	176	26	construct	construct	NOUN
ajis02-2809	176	27	(	(	PUNCT
ajis02-2809	176	28	i.e.	i.e.	X
ajis02-2809	176	29	,	,	PUNCT
ajis02-2809	176	30	security	security	NOUN
ajis02-2809	176	31	)	)	PUNCT
ajis02-2809	176	32	(	(	PUNCT
ajis02-2809	176	33	hair	hair	NOUN
ajis02-2809	176	34	et	et	PROPN
ajis02-2809	176	35	al	al	PROPN
ajis02-2809	176	36	.	.	PROPN
ajis02-2809	176	37	,	,	PUNCT
ajis02-2809	176	38	2018	2018	NUM
ajis02-2809	176	39	)	)	PUNCT
ajis02-2809	176	40	;	;	PUNCT
ajis02-2809	176	41	cr=0.917	cr=0.917	NOUN
ajis02-2809	176	42	,	,	PUNCT
ajis02-2809	176	43	ave=0.691	ave=0.691	PROPN
ajis02-2809	176	44	(	(	PUNCT
ajis02-2809	176	45	excluded	exclude	VERB
ajis02-2809	176	46	)	)	PUNCT
ajis02-2809	176	47	versus	versus	ADP
ajis02-2809	176	48	cr=0.914	cr=0.914	PROPN
ajis02-2809	176	49	,	,	PUNCT
ajis02-2809	176	50	ave=0.643	ave=0.643	PROPN
ajis02-2809	176	51	(	(	PUNCT
ajis02-2809	176	52	included	include	VERB
ajis02-2809	176	53	)	)	PUNCT
ajis02-2809	176	54	.	.	PUNCT
ajis02-2809	177	1	hence	hence	ADV
ajis02-2809	177	2	item	item	NOUN
ajis02-2809	177	3	s4	s4	PROPN
ajis02-2809	177	4	was	be	AUX
ajis02-2809	177	5	retained	retain	VERB
ajis02-2809	177	6	in	in	ADP
ajis02-2809	177	7	the	the	DET
ajis02-2809	177	8	model	model	NOUN
ajis02-2809	177	9	.	.	PUNCT
ajis02-2809	178	1	the	the	DET
ajis02-2809	178	2	latent	latent	ADJ
ajis02-2809	178	3	variable	variable	ADJ
ajis02-2809	178	4	correlation	correlation	NOUN
ajis02-2809	178	5	between	between	ADP
ajis02-2809	178	6	constructs	construct	NOUN
ajis02-2809	178	7	was	be	AUX
ajis02-2809	178	8	also	also	ADV
ajis02-2809	178	9	reported	report	VERB
ajis02-2809	178	10	in	in	ADP
ajis02-2809	178	11	table	table	NOUN
ajis02-2809	178	12	1	1	NUM
ajis02-2809	178	13	.	.	PUNCT
ajis02-2809	179	1	cr	cr	PROPN
ajis02-2809	179	2	ave	ave	PROPN
ajis02-2809	179	3	convenience	convenience	PROPN
ajis02-2809	179	4	security	security	NOUN
ajis02-2809	179	5	intention	intention	NOUN
ajis02-2809	179	6	to	to	PART
ajis02-2809	179	7	use	use	VERB
ajis02-2809	179	8	convenience	convenience	NOUN
ajis02-2809	179	9	0.961	0.961	NUM
ajis02-2809	179	10	0.806	0.806	NUM
ajis02-2809	179	11	1.000	1.000	NUM
ajis02-2809	179	12	security	security	NOUN
ajis02-2809	179	13	0.914	0.914	NUM
ajis02-2809	179	14	0.643	0.643	NUM
ajis02-2809	179	15	0.516	0.516	NUM
ajis02-2809	179	16	1.000	1.000	NUM
ajis02-2809	179	17	intention	intention	NOUN
ajis02-2809	179	18	to	to	PART
ajis02-2809	179	19	use	use	VERB
ajis02-2809	179	20	0.909	0.909	NUM
ajis02-2809	179	21	0.714	0.714	NUM
ajis02-2809	179	22	0.426	0.426	NUM
ajis02-2809	179	23	0.573	0.573	NUM
ajis02-2809	179	24	1.000	1.000	NUM
ajis02-2809	179	25	table	table	NOUN
ajis02-2809	179	26	1	1	NUM
ajis02-2809	179	27	.	.	PUNCT
ajis02-2809	179	28	construct	construct	VERB
ajis02-2809	179	29	reliability	reliability	NOUN
ajis02-2809	179	30	,	,	PUNCT
ajis02-2809	179	31	validity	validity	NOUN
ajis02-2809	179	32	,	,	PUNCT
ajis02-2809	179	33	and	and	CCONJ
ajis02-2809	179	34	latent	latent	ADJ
ajis02-2809	179	35	variable	variable	ADJ
ajis02-2809	179	36	correlation	correlation	NOUN
ajis02-2809	179	37	discriminant	discriminant	ADJ
ajis02-2809	179	38	validity	validity	NOUN
ajis02-2809	179	39	of	of	ADP
ajis02-2809	179	40	the	the	DET
ajis02-2809	179	41	constructs	construct	NOUN
ajis02-2809	179	42	was	be	AUX
ajis02-2809	179	43	established	establish	VERB
ajis02-2809	179	44	based	base	VERB
ajis02-2809	179	45	on	on	ADP
ajis02-2809	179	46	henseler	henseler	NOUN
ajis02-2809	179	47	,	,	PUNCT
ajis02-2809	179	48	ringle	ringle	NOUN
ajis02-2809	179	49	,	,	PUNCT
ajis02-2809	179	50	and	and	CCONJ
ajis02-2809	179	51	sarstedt	sarstedt	NOUN
ajis02-2809	179	52	’s	’s	PART
ajis02-2809	179	53	(	(	PUNCT
ajis02-2809	179	54	2015a	2015a	NUM
ajis02-2809	179	55	)	)	PUNCT
ajis02-2809	179	56	heterotrait	heterotrait	NOUN
ajis02-2809	179	57	-	-	PUNCT
ajis02-2809	179	58	monotrait	monotrait	NOUN
ajis02-2809	179	59	ratio	ratio	NOUN
ajis02-2809	179	60	of	of	ADP
ajis02-2809	179	61	correlations	correlation	NOUN
ajis02-2809	179	62	(	(	PUNCT
ajis02-2809	179	63	htmt	htmt	NOUN
ajis02-2809	179	64	)	)	PUNCT
ajis02-2809	179	65	.	.	PUNCT
ajis02-2809	180	1	table	table	NOUN
ajis02-2809	180	2	2	2	NUM
ajis02-2809	180	3	showed	show	VERB
ajis02-2809	180	4	that	that	SCONJ
ajis02-2809	180	5	all	all	DET
ajis02-2809	180	6	inter	inter	ADJ
ajis02-2809	180	7	-	-	ADJ
ajis02-2809	180	8	construct	construct	ADJ
ajis02-2809	180	9	htmt	htmt	NOUN
ajis02-2809	180	10	values	value	NOUN
ajis02-2809	180	11	were	be	AUX
ajis02-2809	180	12	below	below	ADP
ajis02-2809	180	13	the	the	DET
ajis02-2809	180	14	htmt.85	htmt.85	NOUN
ajis02-2809	180	15	criterion	criterion	NOUN
ajis02-2809	180	16	threshold	threshold	NOUN
ajis02-2809	180	17	of	of	ADP
ajis02-2809	180	18	0.85	0.85	NUM
ajis02-2809	180	19	,	,	PUNCT
ajis02-2809	180	20	and	and	CCONJ
ajis02-2809	180	21	the	the	DET
ajis02-2809	180	22	twotailed	twotaile	VERB
ajis02-2809	180	23	95	95	NUM
ajis02-2809	180	24	%	%	NOUN
ajis02-2809	180	25	bias	bias	NOUN
ajis02-2809	180	26	-	-	PUNCT
ajis02-2809	180	27	corrected	correct	VERB
ajis02-2809	180	28	confidence	confidence	NOUN
ajis02-2809	180	29	intervals	interval	NOUN
ajis02-2809	180	30	of	of	ADP
ajis02-2809	180	31	htmt	htmt	NOUN
ajis02-2809	180	32	were	be	AUX
ajis02-2809	180	33	within	within	ADP
ajis02-2809	180	34	the	the	DET
ajis02-2809	180	35	unit	unit	NOUN
ajis02-2809	180	36	interval	interval	NOUN
ajis02-2809	180	37	.	.	PUNCT
ajis02-2809	181	1	the	the	DET
ajis02-2809	181	2	model	model	NOUN
ajis02-2809	181	3	fit	fit	NOUN
ajis02-2809	181	4	was	be	AUX
ajis02-2809	181	5	achieved	achieve	VERB
ajis02-2809	181	6	based	base	VERB
ajis02-2809	181	7	on	on	ADP
ajis02-2809	181	8	the	the	DET
ajis02-2809	181	9	standardized	standardized	ADJ
ajis02-2809	181	10	root	root	NOUN
ajis02-2809	181	11	means	mean	VERB
ajis02-2809	181	12	square	square	ADJ
ajis02-2809	181	13	residual	residual	ADJ
ajis02-2809	181	14	(	(	PUNCT
ajis02-2809	181	15	srmr	srmr	PROPN
ajis02-2809	181	16	)	)	PUNCT
ajis02-2809	181	17	of	of	ADP
ajis02-2809	181	18	0.088	0.088	NUM
ajis02-2809	181	19	below	below	ADP
ajis02-2809	181	20	the	the	DET
ajis02-2809	181	21	threshold	threshold	NOUN
ajis02-2809	181	22	of	of	ADP
ajis02-2809	181	23	0.10	0.10	NUM
ajis02-2809	181	24	(	(	PUNCT
ajis02-2809	181	25	henseler	henseler	NOUN
ajis02-2809	181	26	et	et	PROPN
ajis02-2809	181	27	al	al	PROPN
ajis02-2809	181	28	.	.	PROPN
ajis02-2809	181	29	,	,	PUNCT
ajis02-2809	181	30	2014	2014	NUM
ajis02-2809	181	31	)	)	PUNCT
ajis02-2809	181	32	.	.	PUNCT
ajis02-2809	182	1	table	table	NOUN
ajis02-2809	182	2	3	3	NUM
ajis02-2809	182	3	showed	show	VERB
ajis02-2809	182	4	that	that	SCONJ
ajis02-2809	182	5	the	the	DET
ajis02-2809	182	6	measurement	measurement	NOUN
ajis02-2809	182	7	model	model	NOUN
ajis02-2809	182	8	did	do	AUX
ajis02-2809	182	9	not	not	PART
ajis02-2809	182	10	have	have	VERB
ajis02-2809	182	11	a	a	DET
ajis02-2809	182	12	multicollinearity	multicollinearity	NOUN
ajis02-2809	182	13	issue	issue	NOUN
ajis02-2809	182	14	,	,	PUNCT
ajis02-2809	182	15	as	as	SCONJ
ajis02-2809	182	16	all	all	DET
ajis02-2809	182	17	inner	inner	ADJ
ajis02-2809	182	18	vif	vif	NOUN
ajis02-2809	182	19	values	value	NOUN
ajis02-2809	182	20	were	be	AUX
ajis02-2809	182	21	below	below	ADP
ajis02-2809	182	22	the	the	DET
ajis02-2809	182	23	threshold	threshold	NOUN
ajis02-2809	182	24	of	of	ADP
ajis02-2809	182	25	3.3	3.3	NUM
ajis02-2809	182	26	(	(	PUNCT
ajis02-2809	182	27	hair	hair	NOUN
ajis02-2809	182	28	,	,	PUNCT
ajis02-2809	182	29	hult	hult	PROPN
ajis02-2809	182	30	,	,	PUNCT
ajis02-2809	182	31	ringle	ringle	PROPN
ajis02-2809	182	32	,	,	PUNCT
ajis02-2809	182	33	&	&	CCONJ
ajis02-2809	182	34	sarstedt	sarstedt	PROPN
ajis02-2809	182	35	,	,	PUNCT
ajis02-2809	182	36	2014	2014	NUM
ajis02-2809	182	37	)	)	PUNCT
ajis02-2809	182	38	.	.	PUNCT
ajis02-2809	183	1	convenience	convenience	NOUN
ajis02-2809	183	2	security	security	NOUN
ajis02-2809	183	3	intention	intention	NOUN
ajis02-2809	183	4	to	to	PART
ajis02-2809	183	5	use	use	VERB
ajis02-2809	183	6	convenience	convenience	NOUN
ajis02-2809	183	7	security	security	NOUN
ajis02-2809	183	8	0.545	0.545	NUM
ajis02-2809	183	9	*	*	PUNCT
ajis02-2809	183	10	*	*	PUNCT
ajis02-2809	183	11	*	*	PUNCT
ajis02-2809	184	1	[	[	X
ajis02-2809	184	2	0.387	0.387	NUM
ajis02-2809	184	3	,	,	PUNCT
ajis02-2809	184	4	0.666	0.666	NUM
ajis02-2809	184	5	]	]	PUNCT
ajis02-2809	184	6	intention	intention	NOUN
ajis02-2809	184	7	to	to	PART
ajis02-2809	184	8	use	use	VERB
ajis02-2809	184	9	0.463	0.463	NUM
ajis02-2809	184	10	*	*	PUNCT
ajis02-2809	184	11	*	*	PUNCT
ajis02-2809	184	12	*	*	PUNCT
ajis02-2809	185	1	[	[	X
ajis02-2809	185	2	0.318	0.318	NUM
ajis02-2809	185	3	,	,	PUNCT
ajis02-2809	185	4	0.578	0.578	NUM
ajis02-2809	185	5	]	]	PUNCT
ajis02-2809	185	6	0.649	0.649	NUM
ajis02-2809	185	7	*	*	PUNCT
ajis02-2809	185	8	*	*	PUNCT
ajis02-2809	185	9	*	*	PUNCT
ajis02-2809	186	1	[	[	X
ajis02-2809	186	2	0.491	0.491	NUM
ajis02-2809	186	3	,	,	PUNCT
ajis02-2809	186	4	0.757	0.757	NUM
ajis02-2809	186	5	]	]	PUNCT
ajis02-2809	186	6	table	table	NOUN
ajis02-2809	186	7	2	2	NUM
ajis02-2809	186	8	.	.	PUNCT
ajis02-2809	186	9	discriminant	discriminant	ADJ
ajis02-2809	186	10	validity	validity	NOUN
ajis02-2809	186	11	assessment	assessment	NOUN
ajis02-2809	186	12	based	base	VERB
ajis02-2809	186	13	on	on	ADP
ajis02-2809	186	14	htmt	htmt	NOUN
ajis02-2809	186	15	criterion	criterion	NOUN
ajis02-2809	186	16	note	note	NOUN
ajis02-2809	186	17	:	:	PUNCT
ajis02-2809	186	18	significance	significance	NOUN
ajis02-2809	186	19	level	level	NOUN
ajis02-2809	186	20	(	(	PUNCT
ajis02-2809	186	21	bootstrapped	bootstrappe	VERB
ajis02-2809	186	22	)	)	PUNCT
ajis02-2809	186	23	*	*	PUNCT
ajis02-2809	187	1	*	*	PUNCT
ajis02-2809	187	2	*	*	PUNCT
ajis02-2809	187	3	p	p	X
ajis02-2809	187	4	<	<	X
ajis02-2809	187	5	0.01	0.01	NUM
ajis02-2809	187	6	,	,	PUNCT
ajis02-2809	187	7	*	*	PUNCT
ajis02-2809	187	8	*	*	PUNCT
ajis02-2809	187	9	p	p	X
ajis02-2809	187	10	<	<	X
ajis02-2809	187	11	0.05	0.05	NUM
ajis02-2809	187	12	,	,	PUNCT
ajis02-2809	187	13	*	*	PUNCT
ajis02-2809	187	14	p<0.10	p<0.10	PROPN
ajis02-2809	187	15	,	,	PUNCT
ajis02-2809	187	16	n.s	n.s	PROPN
ajis02-2809	187	17	.	.	PROPN
ajis02-2809	187	18	non	non	ADJ
ajis02-2809	187	19	-	-	ADJ
ajis02-2809	187	20	significant	significant	ADJ
ajis02-2809	187	21	.	.	PUNCT
ajis02-2809	188	1	the	the	DET
ajis02-2809	188	2	values	value	NOUN
ajis02-2809	188	3	in	in	ADP
ajis02-2809	188	4	brackets	bracket	NOUN
ajis02-2809	188	5	represent	represent	VERB
ajis02-2809	188	6	the	the	DET
ajis02-2809	188	7	95	95	NUM
ajis02-2809	188	8	%	%	NOUN
ajis02-2809	188	9	bias	bias	NOUN
ajis02-2809	188	10	-	-	PUNCT
ajis02-2809	188	11	corrected	correct	VERB
ajis02-2809	188	12	confidence	confidence	NOUN
ajis02-2809	188	13	interval	interval	NOUN
ajis02-2809	188	14	of	of	ADP
ajis02-2809	188	15	the	the	DET
ajis02-2809	188	16	htmt	htmt	PROPN
ajis02-2809	188	17	values	value	NOUN
ajis02-2809	188	18	obtained	obtain	VERB
ajis02-2809	188	19	from	from	ADP
ajis02-2809	188	20	a	a	DET
ajis02-2809	188	21	bootstrapping	bootstrappe	VERB
ajis02-2809	188	22	procedure	procedure	NOUN
ajis02-2809	188	23	with	with	ADP
ajis02-2809	188	24	5000	5000	NUM
ajis02-2809	188	25	resamples	resample	NOUN
ajis02-2809	188	26	.	.	PUNCT
ajis02-2809	189	1	convenience	convenience	NOUN
ajis02-2809	189	2	security	security	NOUN
ajis02-2809	189	3	convenience	convenience	NOUN
ajis02-2809	189	4	security	security	NOUN
ajis02-2809	189	5	1.000	1.000	NUM
ajis02-2809	189	6	intention	intention	NOUN
ajis02-2809	189	7	to	to	PART
ajis02-2809	189	8	use	use	VERB
ajis02-2809	189	9	1.362	1.362	NUM
ajis02-2809	189	10	1.362	1.362	NUM
ajis02-2809	189	11	table	table	NOUN
ajis02-2809	189	12	3	3	NUM
ajis02-2809	189	13	.	.	PUNCT
ajis02-2809	190	1	inner	inner	ADJ
ajis02-2809	190	2	vif	vif	NOUN
ajis02-2809	190	3	values	value	VERB
ajis02-2809	190	4	6.2	6.2	NUM
ajis02-2809	190	5	structural	structural	ADJ
ajis02-2809	190	6	model	model	NOUN
ajis02-2809	190	7	for	for	ADP
ajis02-2809	190	8	hypotheses	hypothesis	NOUN
ajis02-2809	190	9	testing	testing	NOUN
ajis02-2809	190	10	,	,	PUNCT
ajis02-2809	190	11	the	the	DET
ajis02-2809	190	12	structural	structural	ADJ
ajis02-2809	190	13	model	model	NOUN
ajis02-2809	190	14	was	be	AUX
ajis02-2809	190	15	run	run	VERB
ajis02-2809	190	16	with	with	ADP
ajis02-2809	190	17	a	a	DET
ajis02-2809	190	18	bootstrapping	bootstrappe	VERB
ajis02-2809	190	19	procedure	procedure	NOUN
ajis02-2809	190	20	of	of	ADP
ajis02-2809	190	21	5000	5000	NUM
ajis02-2809	190	22	resamples	resample	NOUN
ajis02-2809	190	23	based	base	VERB
ajis02-2809	190	24	on	on	ADP
ajis02-2809	190	25	a	a	DET
ajis02-2809	190	26	distribution	distribution	NOUN
ajis02-2809	190	27	-	-	PUNCT
ajis02-2809	190	28	free	free	ADJ
ajis02-2809	190	29	sampling	sampling	NOUN
ajis02-2809	190	30	method	method	NOUN
ajis02-2809	190	31	.	.	PUNCT
ajis02-2809	191	1	based	base	VERB
ajis02-2809	191	2	on	on	ADP
ajis02-2809	191	3	r2	r2	PROPN
ajis02-2809	191	4	statistics	statistic	NOUN
ajis02-2809	191	5	,	,	PUNCT
ajis02-2809	191	6	the	the	DET
ajis02-2809	191	7	model	model	NOUN
ajis02-2809	191	8	explained	explain	VERB
ajis02-2809	191	9	a	a	DET
ajis02-2809	191	10	35.2	35.2	NUM
ajis02-2809	191	11	%	%	NOUN
ajis02-2809	191	12	variance	variance	NOUN
ajis02-2809	191	13	of	of	ADP
ajis02-2809	191	14	users	user	NOUN
ajis02-2809	191	15	’	’	PART
ajis02-2809	191	16	intention	intention	NOUN
ajis02-2809	191	17	to	to	PART
ajis02-2809	191	18	use	use	VERB
ajis02-2809	191	19	a	a	DET
ajis02-2809	191	20	gamified	gamifie	VERB
ajis02-2809	191	21	mobile	mobile	ADJ
ajis02-2809	191	22	payment	payment	NOUN
ajis02-2809	191	23	platform	platform	NOUN
ajis02-2809	191	24	.	.	PUNCT
ajis02-2809	192	1	in	in	ADP
ajis02-2809	192	2	australasian	australasian	ADJ
ajis02-2809	192	3	journal	journal	NOUN
ajis02-2809	192	4	of	of	ADP
ajis02-2809	192	5	information	information	NOUN
ajis02-2809	192	6	systems	systems	PROPN
ajis02-2809	192	7	lai	lai	PROPN
ajis02-2809	192	8	&	&	CCONJ
ajis02-2809	192	9	liew	liew	PROPN
ajis02-2809	192	10	2021	2021	NUM
ajis02-2809	192	11	,	,	PUNCT
ajis02-2809	192	12	vol	vol	NOUN
ajis02-2809	192	13	25	25	NUM
ajis02-2809	192	14	,	,	PUNCT
ajis02-2809	192	15	research	research	NOUN
ajis02-2809	192	16	article	article	NOUN
ajis02-2809	192	17	towards	towards	ADP
ajis02-2809	192	18	a	a	DET
ajis02-2809	192	19	cashless	cashless	NOUN
ajis02-2809	192	20	society	society	NOUN
ajis02-2809	192	21	13	13	NUM
ajis02-2809	192	22	particular	particular	ADJ
ajis02-2809	192	23	,	,	PUNCT
ajis02-2809	192	24	perceived	perceive	VERB
ajis02-2809	192	25	convenience	convenience	NOUN
ajis02-2809	192	26	explained	explain	VERB
ajis02-2809	192	27	a	a	DET
ajis02-2809	192	28	26.6	26.6	NUM
ajis02-2809	192	29	%	%	NOUN
ajis02-2809	192	30	variance	variance	NOUN
ajis02-2809	192	31	of	of	ADP
ajis02-2809	192	32	perceived	perceive	VERB
ajis02-2809	192	33	security	security	NOUN
ajis02-2809	192	34	.	.	PUNCT
ajis02-2809	193	1	all	all	DET
ajis02-2809	193	2	three	three	NUM
ajis02-2809	193	3	hypotheses	hypothesis	NOUN
ajis02-2809	193	4	were	be	AUX
ajis02-2809	193	5	supported	support	VERB
ajis02-2809	193	6	.	.	PUNCT
ajis02-2809	194	1	from	from	ADP
ajis02-2809	194	2	table	table	NOUN
ajis02-2809	194	3	4	4	NUM
ajis02-2809	194	4	,	,	PUNCT
ajis02-2809	194	5	the	the	DET
ajis02-2809	194	6	results	result	NOUN
ajis02-2809	194	7	showed	show	VERB
ajis02-2809	194	8	that	that	SCONJ
ajis02-2809	194	9	perceived	perceive	VERB
ajis02-2809	194	10	convenience	convenience	NOUN
ajis02-2809	194	11	had	have	VERB
ajis02-2809	194	12	a	a	DET
ajis02-2809	194	13	strong	strong	ADJ
ajis02-2809	194	14	direct	direct	ADJ
ajis02-2809	194	15	positive	positive	ADJ
ajis02-2809	194	16	effect	effect	NOUN
ajis02-2809	194	17	on	on	ADP
ajis02-2809	194	18	perceived	perceive	VERB
ajis02-2809	194	19	security	security	NOUN
ajis02-2809	194	20	(	(	PUNCT
ajis02-2809	194	21	β=	β=	NOUN
ajis02-2809	194	22	0.516	0.516	NUM
ajis02-2809	194	23	,	,	PUNCT
ajis02-2809	194	24	p<0.000	p<0.000	PROPN
ajis02-2809	194	25	)	)	PUNCT
ajis02-2809	194	26	,	,	PUNCT
ajis02-2809	194	27	but	but	CCONJ
ajis02-2809	194	28	a	a	DET
ajis02-2809	194	29	weak	weak	ADJ
ajis02-2809	194	30	direct	direct	ADJ
ajis02-2809	194	31	positive	positive	ADJ
ajis02-2809	194	32	effect	effect	NOUN
ajis02-2809	194	33	on	on	ADP
ajis02-2809	194	34	users	user	NOUN
ajis02-2809	194	35	’	’	PART
ajis02-2809	194	36	intention	intention	NOUN
ajis02-2809	194	37	to	to	PART
ajis02-2809	194	38	use	use	VERB
ajis02-2809	194	39	(	(	PUNCT
ajis02-2809	194	40	β=0.178	β=0.178	ADV
ajis02-2809	194	41	,	,	PUNCT
ajis02-2809	194	42	p<0.002	p<0.002	NOUN
ajis02-2809	194	43	)	)	PUNCT
ajis02-2809	194	44	.	.	PUNCT
ajis02-2809	195	1	the	the	DET
ajis02-2809	195	2	latter	latter	ADJ
ajis02-2809	195	3	effect	effect	NOUN
ajis02-2809	195	4	was	be	AUX
ajis02-2809	195	5	weaker	weak	ADJ
ajis02-2809	195	6	than	than	ADP
ajis02-2809	195	7	the	the	DET
ajis02-2809	195	8	former	former	ADJ
ajis02-2809	195	9	,	,	PUNCT
ajis02-2809	195	10	based	base	VERB
ajis02-2809	195	11	on	on	ADP
ajis02-2809	195	12	the	the	DET
ajis02-2809	195	13	magnitude	magnitude	NOUN
ajis02-2809	195	14	of	of	ADP
ajis02-2809	195	15	the	the	DET
ajis02-2809	195	16	path	path	NOUN
ajis02-2809	195	17	coefficients	coefficient	NOUN
ajis02-2809	195	18	.	.	PUNCT
ajis02-2809	196	1	perceived	perceive	VERB
ajis02-2809	196	2	convenience	convenience	NOUN
ajis02-2809	196	3	had	have	VERB
ajis02-2809	196	4	a	a	DET
ajis02-2809	196	5	moderate	moderate	ADJ
ajis02-2809	196	6	indirect	indirect	ADJ
ajis02-2809	196	7	effect	effect	NOUN
ajis02-2809	196	8	(	(	PUNCT
ajis02-2809	196	9	β=0.248	β=0.248	X
ajis02-2809	196	10	,	,	PUNCT
ajis02-2809	196	11	p<0.000	p<0.000	PROPN
ajis02-2809	196	12	)	)	PUNCT
ajis02-2809	196	13	but	but	CCONJ
ajis02-2809	196	14	a	a	DET
ajis02-2809	196	15	strong	strong	ADJ
ajis02-2809	196	16	total	total	ADJ
ajis02-2809	196	17	effect	effect	NOUN
ajis02-2809	196	18	(	(	PUNCT
ajis02-2809	196	19	β=	β=	NOUN
ajis02-2809	196	20	0.426	0.426	NUM
ajis02-2809	196	21	,	,	PUNCT
ajis02-2809	196	22	p<0.000	p<0.000	ADV
ajis02-2809	196	23	)	)	PUNCT
ajis02-2809	196	24	on	on	ADP
ajis02-2809	196	25	users	user	NOUN
ajis02-2809	196	26	’	’	PART
ajis02-2809	196	27	intention	intention	NOUN
ajis02-2809	196	28	to	to	PART
ajis02-2809	196	29	use	use	VERB
ajis02-2809	196	30	.	.	PUNCT
ajis02-2809	197	1	compared	compare	VERB
ajis02-2809	197	2	to	to	ADP
ajis02-2809	197	3	the	the	DET
ajis02-2809	197	4	total	total	ADJ
ajis02-2809	197	5	effect	effect	NOUN
ajis02-2809	197	6	of	of	ADP
ajis02-2809	197	7	perceived	perceive	VERB
ajis02-2809	197	8	convenience	convenience	NOUN
ajis02-2809	197	9	,	,	PUNCT
ajis02-2809	197	10	perceived	perceive	VERB
ajis02-2809	197	11	security	security	NOUN
ajis02-2809	197	12	still	still	ADV
ajis02-2809	197	13	had	have	VERB
ajis02-2809	197	14	a	a	DET
ajis02-2809	197	15	stronger	strong	ADJ
ajis02-2809	197	16	direct	direct	ADJ
ajis02-2809	197	17	positive	positive	ADJ
ajis02-2809	197	18	effect	effect	NOUN
ajis02-2809	197	19	on	on	ADP
ajis02-2809	197	20	the	the	DET
ajis02-2809	197	21	intention	intention	NOUN
ajis02-2809	197	22	to	to	PART
ajis02-2809	197	23	use	use	VERB
ajis02-2809	197	24	(	(	PUNCT
ajis02-2809	197	25	β=0.482	β=0.482	X
ajis02-2809	197	26	,	,	PUNCT
ajis02-2809	197	27	p<0.000	p<0.000	ADJ
ajis02-2809	197	28	)	)	PUNCT
ajis02-2809	197	29	.	.	PUNCT
ajis02-2809	198	1	the	the	DET
ajis02-2809	198	2	total	total	ADJ
ajis02-2809	198	3	effect	effect	NOUN
ajis02-2809	198	4	of	of	ADP
ajis02-2809	198	5	perceived	perceive	VERB
ajis02-2809	198	6	security	security	NOUN
ajis02-2809	198	7	is	be	AUX
ajis02-2809	198	8	the	the	DET
ajis02-2809	198	9	same	same	ADJ
ajis02-2809	198	10	as	as	ADP
ajis02-2809	198	11	its	its	PRON
ajis02-2809	198	12	direct	direct	ADJ
ajis02-2809	198	13	effect	effect	NOUN
ajis02-2809	198	14	.	.	PUNCT
ajis02-2809	199	1	based	base	VERB
ajis02-2809	199	2	on	on	ADP
ajis02-2809	199	3	cohen	cohen	PROPN
ajis02-2809	199	4	’s	’s	PART
ajis02-2809	199	5	(	(	PUNCT
ajis02-2809	199	6	1988	1988	NUM
ajis02-2809	199	7	)	)	PUNCT
ajis02-2809	199	8	f	f	PROPN
ajis02-2809	199	9	2	2	NUM
ajis02-2809	199	10	statistics	statistic	NOUN
ajis02-2809	199	11	,	,	PUNCT
ajis02-2809	199	12	perceived	perceive	VERB
ajis02-2809	199	13	convenience	convenience	NOUN
ajis02-2809	199	14	had	have	VERB
ajis02-2809	199	15	a	a	DET
ajis02-2809	199	16	large	large	ADJ
ajis02-2809	199	17	effect	effect	NOUN
ajis02-2809	199	18	size	size	NOUN
ajis02-2809	199	19	on	on	ADP
ajis02-2809	199	20	security	security	NOUN
ajis02-2809	199	21	(	(	PUNCT
ajis02-2809	199	22	f	f	NOUN
ajis02-2809	199	23	2	2	NUM
ajis02-2809	199	24	=	=	SYM
ajis02-2809	199	25	0.362	0.362	NUM
ajis02-2809	199	26	)	)	PUNCT
ajis02-2809	199	27	but	but	CCONJ
ajis02-2809	199	28	very	very	ADV
ajis02-2809	199	29	small	small	ADJ
ajis02-2809	199	30	effect	effect	NOUN
ajis02-2809	199	31	size	size	NOUN
ajis02-2809	199	32	on	on	ADP
ajis02-2809	199	33	the	the	DET
ajis02-2809	199	34	intention	intention	NOUN
ajis02-2809	199	35	to	to	PART
ajis02-2809	199	36	use	use	VERB
ajis02-2809	199	37	(	(	PUNCT
ajis02-2809	199	38	f	f	NOUN
ajis02-2809	199	39	2	2	NUM
ajis02-2809	199	40	=	=	NOUN
ajis02-2809	199	41	0.036	0.036	NUM
ajis02-2809	199	42	)	)	PUNCT
ajis02-2809	199	43	,	,	PUNCT
ajis02-2809	199	44	whereas	whereas	SCONJ
ajis02-2809	199	45	perceived	perceive	VERB
ajis02-2809	199	46	security	security	NOUN
ajis02-2809	199	47	had	have	VERB
ajis02-2809	199	48	a	a	DET
ajis02-2809	199	49	medium	medium	ADJ
ajis02-2809	199	50	effect	effect	NOUN
ajis02-2809	199	51	size	size	NOUN
ajis02-2809	199	52	on	on	ADP
ajis02-2809	199	53	the	the	DET
ajis02-2809	199	54	intention	intention	NOUN
ajis02-2809	199	55	to	to	PART
ajis02-2809	199	56	use	use	VERB
ajis02-2809	199	57	(	(	PUNCT
ajis02-2809	199	58	f	f	NOUN
ajis02-2809	199	59	2	2	NUM
ajis02-2809	199	60	=	=	SYM
ajis02-2809	199	61	0.263	0.263	NUM
ajis02-2809	199	62	)	)	PUNCT
ajis02-2809	199	63	.	.	PUNCT
ajis02-2809	200	1	hypothesized	hypothesize	VERB
ajis02-2809	200	2	relationships	relationship	NOUN
ajis02-2809	200	3	direct	direct	ADJ
ajis02-2809	200	4	effect	effect	NOUN
ajis02-2809	200	5	effect	effect	NOUN
ajis02-2809	200	6	size	size	NOUN
ajis02-2809	200	7	f	f	PROPN
ajis02-2809	200	8	2	2	NUM
ajis02-2809	200	9	indirect	indirect	ADJ
ajis02-2809	200	10	effect	effect	NOUN
ajis02-2809	200	11	total	total	ADJ
ajis02-2809	200	12	effect	effect	NOUN
ajis02-2809	200	13	h1	h1	NOUN
ajis02-2809	200	14	convenience	convenience	NOUN
ajis02-2809	200	15			NOUN
ajis02-2809	200	16	intention	intention	NOUN
ajis02-2809	200	17	to	to	PART
ajis02-2809	200	18	use	use	VERB
ajis02-2809	200	19	0.178	0.178	NUM
ajis02-2809	200	20	(	(	PUNCT
ajis02-2809	200	21	3.168	3.168	NUM
ajis02-2809	200	22	)	)	PUNCT
ajis02-2809	200	23	*	*	PUNCT
ajis02-2809	201	1	*	*	PUNCT
ajis02-2809	201	2	*	*	PUNCT
ajis02-2809	201	3	0.036	0.036	NUM
ajis02-2809	201	4	(	(	PUNCT
ajis02-2809	201	5	1.315	1.315	NUM
ajis02-2809	201	6	)	)	PUNCT
ajis02-2809	201	7	n.s	n.s	PROPN
ajis02-2809	201	8	.	.	PROPN
ajis02-2809	201	9	0.248	0.248	NUM
ajis02-2809	201	10	(	(	PUNCT
ajis02-2809	201	11	6.285	6.285	NUM
ajis02-2809	201	12	)	)	PUNCT
ajis02-2809	201	13	*	*	PUNCT
ajis02-2809	202	1	*	*	PUNCT
ajis02-2809	202	2	*	*	PUNCT
ajis02-2809	202	3	0.426	0.426	NUM
ajis02-2809	202	4	(	(	PUNCT
ajis02-2809	202	5	7.436	7.436	NUM
ajis02-2809	202	6	)	)	PUNCT
ajis02-2809	202	7	*	*	PUNCT
ajis02-2809	202	8	*	*	PUNCT
ajis02-2809	202	9	*	*	PUNCT
ajis02-2809	202	10	h2	h2	NOUN
ajis02-2809	202	11	security	security	NOUN
ajis02-2809	202	12			NOUN
ajis02-2809	202	13	intention	intention	NOUN
ajis02-2809	202	14	to	to	PART
ajis02-2809	202	15	use	use	VERB
ajis02-2809	202	16	0.482	0.482	NUM
ajis02-2809	202	17	(	(	PUNCT
ajis02-2809	202	18	7.987	7.987	NUM
ajis02-2809	202	19	)	)	PUNCT
ajis02-2809	202	20	*	*	PUNCT
ajis02-2809	203	1	*	*	PUNCT
ajis02-2809	203	2	*	*	PUNCT
ajis02-2809	203	3	0.263	0.263	NUM
ajis02-2809	203	4	(	(	PUNCT
ajis02-2809	203	5	2.855	2.855	NUM
ajis02-2809	203	6	)	)	PUNCT
ajis02-2809	203	7	*	*	PUNCT
ajis02-2809	204	1	*	*	PUNCT
ajis02-2809	204	2	*	*	X
ajis02-2809	204	3	0.482	0.482	NUM
ajis02-2809	204	4	(	(	PUNCT
ajis02-2809	204	5	8.021	8.021	NUM
ajis02-2809	204	6	)	)	PUNCT
ajis02-2809	204	7	*	*	PUNCT
ajis02-2809	204	8	*	*	PUNCT
ajis02-2809	204	9	*	*	PUNCT
ajis02-2809	204	10	h3	h3	NOUN
ajis02-2809	204	11	convenience	convenience	NOUN
ajis02-2809	204	12			NOUN
ajis02-2809	204	13	security	security	NOUN
ajis02-2809	204	14	0.516	0.516	NUM
ajis02-2809	204	15	(	(	PUNCT
ajis02-2809	204	16	9.108	9.108	NUM
ajis02-2809	204	17	)	)	PUNCT
ajis02-2809	204	18	*	*	PUNCT
ajis02-2809	205	1	*	*	PUNCT
ajis02-2809	205	2	*	*	PUNCT
ajis02-2809	205	3	0.362	0.362	NUM
ajis02-2809	205	4	(	(	PUNCT
ajis02-2809	205	5	2.819	2.819	NUM
ajis02-2809	205	6	)	)	PUNCT
ajis02-2809	205	7	*	*	PUNCT
ajis02-2809	206	1	*	*	PUNCT
ajis02-2809	206	2	*	*	PUNCT
ajis02-2809	206	3	0.516	0.516	NUM
ajis02-2809	206	4	(	(	PUNCT
ajis02-2809	206	5	9.148	9.148	NUM
ajis02-2809	206	6	)	)	PUNCT
ajis02-2809	206	7	*	*	PUNCT
ajis02-2809	206	8	*	*	PUNCT
ajis02-2809	206	9	*	*	PUNCT
ajis02-2809	206	10	table	table	NOUN
ajis02-2809	206	11	4	4	NUM
ajis02-2809	206	12	.	.	PUNCT
ajis02-2809	206	13	direct	direct	ADJ
ajis02-2809	206	14	,	,	PUNCT
ajis02-2809	206	15	indirect	indirect	ADJ
ajis02-2809	206	16	,	,	PUNCT
ajis02-2809	206	17	total	total	ADJ
ajis02-2809	206	18	effects	effect	NOUN
ajis02-2809	206	19	of	of	ADP
ajis02-2809	206	20	hypothesized	hypothesized	ADJ
ajis02-2809	206	21	relationships	relationship	NOUN
ajis02-2809	206	22	note	note	NOUN
ajis02-2809	206	23	:	:	PUNCT
ajis02-2809	206	24	significance	significance	NOUN
ajis02-2809	206	25	level	level	NOUN
ajis02-2809	206	26	(	(	PUNCT
ajis02-2809	206	27	bootstrapped	bootstrappe	VERB
ajis02-2809	206	28	)	)	PUNCT
ajis02-2809	206	29	*	*	PUNCT
ajis02-2809	207	1	*	*	PUNCT
ajis02-2809	207	2	*	*	PUNCT
ajis02-2809	207	3	p	p	X
ajis02-2809	207	4	<	<	X
ajis02-2809	207	5	0.01	0.01	NUM
ajis02-2809	207	6	,	,	PUNCT
ajis02-2809	207	7	*	*	PUNCT
ajis02-2809	207	8	*	*	PUNCT
ajis02-2809	207	9	p	p	X
ajis02-2809	207	10	<	<	X
ajis02-2809	207	11	0.05	0.05	NUM
ajis02-2809	207	12	,	,	PUNCT
ajis02-2809	207	13	*	*	PUNCT
ajis02-2809	207	14	p<0.10	p<0.10	PROPN
ajis02-2809	207	15	,	,	PUNCT
ajis02-2809	207	16	n.s	n.s	PROPN
ajis02-2809	207	17	.	.	PROPN
ajis02-2809	207	18	non	non	ADJ
ajis02-2809	207	19	-	-	ADJ
ajis02-2809	207	20	significant	significant	ADJ
ajis02-2809	207	21	.	.	PUNCT
ajis02-2809	208	1	cohen	cohen	PROPN
ajis02-2809	208	2	’s	’s	PART
ajis02-2809	208	3	f^2	f^2	ADJ
ajis02-2809	208	4	effect	effect	NOUN
ajis02-2809	208	5	size	size	NOUN
ajis02-2809	208	6	threshold	threshold	NOUN
ajis02-2809	208	7	:	:	PUNCT
ajis02-2809	208	8	large	large	ADJ
ajis02-2809	208	9	>	>	X
ajis02-2809	208	10	0.35	0.35	NUM
ajis02-2809	208	11	,	,	PUNCT
ajis02-2809	208	12	medium	medium	NOUN
ajis02-2809	208	13	>	>	NOUN
ajis02-2809	208	14	0.15	0.15	NUM
ajis02-2809	208	15	,	,	PUNCT
ajis02-2809	208	16	small	small	ADJ
ajis02-2809	208	17	>	>	X
ajis02-2809	208	18	0.02	0.02	NUM
ajis02-2809	208	19	.	.	PUNCT
ajis02-2809	209	1	the	the	DET
ajis02-2809	209	2	blindfolding	blindfold	VERB
ajis02-2809	209	3	procedure	procedure	NOUN
ajis02-2809	209	4	showed	show	VERB
ajis02-2809	209	5	that	that	SCONJ
ajis02-2809	209	6	all	all	PRON
ajis02-2809	209	7	construct	construct	VERB
ajis02-2809	209	8	cross	cross	ADJ
ajis02-2809	209	9	-	-	ADJ
ajis02-2809	209	10	validated	validated	ADJ
ajis02-2809	209	11	redundancy	redundancy	NOUN
ajis02-2809	209	12	q2	q2	NOUN
ajis02-2809	209	13	values	value	NOUN
ajis02-2809	209	14	were	be	AUX
ajis02-2809	209	15	above	above	ADP
ajis02-2809	209	16	the	the	DET
ajis02-2809	209	17	threshold	threshold	NOUN
ajis02-2809	209	18	of	of	ADP
ajis02-2809	209	19	zero	zero	NUM
ajis02-2809	209	20	;	;	PUNCT
ajis02-2809	209	21	q2=0.152	q2=0.152	NUM
ajis02-2809	209	22	for	for	ADP
ajis02-2809	209	23	security	security	NOUN
ajis02-2809	209	24	and	and	CCONJ
ajis02-2809	209	25	q2=0.230	q2=0.230	NUM
ajis02-2809	209	26	for	for	ADP
ajis02-2809	209	27	intention	intention	NOUN
ajis02-2809	209	28	to	to	PART
ajis02-2809	209	29	use	use	VERB
ajis02-2809	209	30	.	.	PUNCT
ajis02-2809	210	1	hence	hence	ADV
ajis02-2809	210	2	sufficient	sufficient	ADJ
ajis02-2809	210	3	predictive	predictive	ADJ
ajis02-2809	210	4	relevance	relevance	NOUN
ajis02-2809	210	5	of	of	ADP
ajis02-2809	210	6	the	the	DET
ajis02-2809	210	7	structural	structural	ADJ
ajis02-2809	210	8	model	model	NOUN
ajis02-2809	210	9	was	be	AUX
ajis02-2809	210	10	established	establish	VERB
ajis02-2809	210	11	.	.	PUNCT
ajis02-2809	211	1	predicted	predict	VERB
ajis02-2809	211	2	indicators	indicator	NOUN
ajis02-2809	211	3	pls	pls	ADJ
ajis02-2809	211	4	-	-	PUNCT
ajis02-2809	211	5	sem	sem	NOUN
ajis02-2809	211	6	prediction	prediction	NOUN
ajis02-2809	211	7	linear	linear	PROPN
ajis02-2809	211	8	model	model	NOUN
ajis02-2809	211	9	(	(	PUNCT
ajis02-2809	211	10	lm	lm	INTJ
ajis02-2809	211	11	)	)	PUNCT
ajis02-2809	211	12	prediction	prediction	NOUN
ajis02-2809	211	13	pls	pls	NOUN
ajis02-2809	211	14	-	-	PUNCT
ajis02-2809	211	15	sem	sem	NOUN
ajis02-2809	211	16	versus	versus	ADP
ajis02-2809	211	17	lm	lm	PROPN
ajis02-2809	211	18	rmse	rmse	PROPN
ajis02-2809	211	19	mae	mae	PROPN
ajis02-2809	211	20	mape	mape	PROPN
ajis02-2809	211	21	q2	q2	PROPN
ajis02-2809	211	22	rmse	rmse	PROPN
ajis02-2809	211	23	mae	mae	PROPN
ajis02-2809	211	24	mape	mape	PROPN
ajis02-2809	211	25	q2	q2	PROPN
ajis02-2809	211	26	rmse	rmse	PROPN
ajis02-2809	211	27	mae	mae	PROPN
ajis02-2809	211	28	mape	mape	PROPN
ajis02-2809	211	29	int1	int1	NOUN
ajis02-2809	211	30	0.491	0.491	NUM
ajis02-2809	211	31	0.403	0.403	NUM
ajis02-2809	211	32	18.895	18.895	NUM
ajis02-2809	211	33	0.196	0.196	NUM
ajis02-2809	211	34	0.484	0.484	NUM
ajis02-2809	211	35	0.381	0.381	NUM
ajis02-2809	211	36	17.877	17.877	NUM
ajis02-2809	211	37	0.221	0.221	NUM
ajis02-2809	211	38	lm	lm	X
ajis02-2809	211	39	lm	lm	INTJ
ajis02-2809	211	40	lm	lm	INTJ
ajis02-2809	211	41	int2	int2	PROPN
ajis02-2809	211	42	0.562	0.562	NUM
ajis02-2809	211	43	0.489	0.489	NUM
ajis02-2809	212	1	22.839	22.839	NUM
ajis02-2809	212	2	0.098	0.098	NUM
ajis02-2809	212	3	0.566	0.566	NUM
ajis02-2809	212	4	0.492	0.492	NUM
ajis02-2809	212	5	22.930	22.930	NUM
ajis02-2809	212	6	0.084	0.084	NUM
ajis02-2809	212	7	pls	pls	INTJ
ajis02-2809	212	8	pls	pls	INTJ
ajis02-2809	212	9	pls	pls	INTJ
ajis02-2809	212	10	int3	int3	PROPN
ajis02-2809	212	11	0.565	0.565	NUM
ajis02-2809	212	12	0.478	0.478	NUM
ajis02-2809	212	13	22.690	22.690	NUM
ajis02-2809	212	14	0.036	0.036	NUM
ajis02-2809	212	15	0.565	0.565	NUM
ajis02-2809	212	16	0.488	0.488	NUM
ajis02-2809	212	17	23.130	23.130	NUM
ajis02-2809	212	18	0.036	0.036	NUM
ajis02-2809	212	19	lm	lm	INTJ
ajis02-2809	212	20	pls	pls	INTJ
ajis02-2809	212	21	pls	pls	INTJ
ajis02-2809	212	22	int4	int4	PROPN
ajis02-2809	212	23	0.502	0.502	NUM
ajis02-2809	212	24	0.397	0.397	NUM
ajis02-2809	212	25	18.491	18.491	NUM
ajis02-2809	212	26	0.132	0.132	NUM
ajis02-2809	212	27	0.518	0.518	NUM
ajis02-2809	212	28	0.408	0.408	NUM
ajis02-2809	212	29	18.831	18.831	NUM
ajis02-2809	212	30	0.077	0.077	NUM
ajis02-2809	212	31	pls	pls	INTJ
ajis02-2809	212	32	pls	pls	INTJ
ajis02-2809	212	33	pls	pls	INTJ
ajis02-2809	212	34	s1	s1	PROPN
ajis02-2809	212	35	0.491	0.491	NUM
ajis02-2809	212	36	0.326	0.326	NUM
ajis02-2809	212	37	17.308	17.308	NUM
ajis02-2809	212	38	0.219	0.219	NUM
ajis02-2809	212	39	0.497	0.497	NUM
ajis02-2809	212	40	0.310	0.310	NUM
ajis02-2809	212	41	16.533	16.533	NUM
ajis02-2809	212	42	0.198	0.198	NUM
ajis02-2809	212	43	pls	pls	INTJ
ajis02-2809	212	44	lm	lm	INTJ
ajis02-2809	212	45	lm	lm	INTJ
ajis02-2809	212	46	s2	s2	VERB
ajis02-2809	212	47	0.568	0.568	NUM
ajis02-2809	212	48	0.475	0.475	NUM
ajis02-2809	212	49	23.613	23.613	NUM
ajis02-2809	212	50	0.236	0.236	NUM
ajis02-2809	212	51	0.580	0.580	NUM
ajis02-2809	212	52	0.464	0.464	NUM
ajis02-2809	212	53	23.026	23.026	NUM
ajis02-2809	212	54	0.203	0.203	NUM
ajis02-2809	212	55	pls	pls	INTJ
ajis02-2809	212	56	lm	lm	INTJ
ajis02-2809	212	57	lm	lm	INTJ
ajis02-2809	212	58	s3	s3	PROPN
ajis02-2809	212	59	0.638	0.638	NUM
ajis02-2809	212	60	0.433	0.433	NUM
ajis02-2809	212	61	16.842	16.842	NUM
ajis02-2809	212	62	0.066	0.066	NUM
ajis02-2809	212	63	0.646	0.646	NUM
ajis02-2809	212	64	0.437	0.437	NUM
ajis02-2809	212	65	17.219	17.219	NUM
ajis02-2809	212	66	0.041	0.041	NUM
ajis02-2809	212	67	pls	pls	INTJ
ajis02-2809	212	68	pls	pls	INTJ
ajis02-2809	212	69	pls	pls	INTJ
ajis02-2809	212	70	s4	s4	VERB
ajis02-2809	212	71	0.687	0.687	NUM
ajis02-2809	212	72	0.558	0.558	NUM
ajis02-2809	212	73	19.988	19.988	NUM
ajis02-2809	212	74	0.034	0.034	NUM
ajis02-2809	212	75	0.681	0.681	NUM
ajis02-2809	212	76	0.544	0.544	NUM
ajis02-2809	212	77	19.824	19.824	NUM
ajis02-2809	213	1	0.051	0.051	NUM
ajis02-2809	213	2	lm	lm	INTJ
ajis02-2809	214	1	lm	lm	INTJ
ajis02-2809	215	1	lm	lm	PROPN
ajis02-2809	216	1	s5	s5	PROPN
ajis02-2809	216	2	0.561	0.561	NUM
ajis02-2809	216	3	0.482	0.482	NUM
ajis02-2809	216	4	22.888	22.888	NUM
ajis02-2809	216	5	0.179	0.179	NUM
ajis02-2809	216	6	0.565	0.565	NUM
ajis02-2809	216	7	0.481	0.481	NUM
ajis02-2809	216	8	22.913	22.913	NUM
ajis02-2809	216	9	0.166	0.166	NUM
ajis02-2809	216	10	pls	pls	INTJ
ajis02-2809	216	11	lm	lm	INTJ
ajis02-2809	216	12	pls	pls	INTJ
ajis02-2809	216	13	s6	s6	PROPN
ajis02-2809	216	14	0.508	0.508	NUM
ajis02-2809	216	15	0.428	0.428	NUM
ajis02-2809	216	16	19.419	19.419	NUM
ajis02-2809	216	17	0.177	0.177	NUM
ajis02-2809	216	18	0.514	0.514	NUM
ajis02-2809	216	19	0.428	0.428	NUM
ajis02-2809	216	20	19.478	19.478	NUM
ajis02-2809	216	21	0.156	0.156	NUM
ajis02-2809	216	22	pls	pls	INTJ
ajis02-2809	216	23	pls	pls	INTJ
ajis02-2809	216	24	pls	pls	INTJ
ajis02-2809	216	25	table	table	NOUN
ajis02-2809	216	26	5	5	NUM
ajis02-2809	216	27	.	.	PUNCT
ajis02-2809	216	28	comparing	compare	VERB
ajis02-2809	216	29	information	information	NOUN
ajis02-2809	216	30	criteria	criterion	NOUN
ajis02-2809	216	31	between	between	ADP
ajis02-2809	216	32	pls	pls	NOUN
ajis02-2809	216	33	-	-	PUNCT
ajis02-2809	216	34	sem	sem	NOUN
ajis02-2809	216	35	and	and	CCONJ
ajis02-2809	216	36	lm	lm	NOUN
ajis02-2809	216	37	predictions	prediction	NOUN
ajis02-2809	216	38	note	note	VERB
ajis02-2809	216	39	:	:	PUNCT
ajis02-2809	216	40	the	the	DET
ajis02-2809	216	41	intention	intention	NOUN
ajis02-2809	216	42	to	to	PART
ajis02-2809	216	43	use	use	VERB
ajis02-2809	216	44	indicators	indicator	NOUN
ajis02-2809	216	45	(	(	PUNCT
ajis02-2809	216	46	int1	int1	NOUN
ajis02-2809	216	47	-	-	PUNCT
ajis02-2809	216	48	4	4	NUM
ajis02-2809	216	49	)	)	PUNCT
ajis02-2809	216	50	were	be	AUX
ajis02-2809	216	51	predicted	predict	VERB
ajis02-2809	216	52	using	use	VERB
ajis02-2809	216	53	convenience	convenience	NOUN
ajis02-2809	216	54	indicators	indicator	NOUN
ajis02-2809	216	55	(	(	PUNCT
ajis02-2809	216	56	c1	c1	NOUN
ajis02-2809	216	57	-	-	PUNCT
ajis02-2809	216	58	6	6	NUM
ajis02-2809	216	59	)	)	PUNCT
ajis02-2809	216	60	on	on	ADP
ajis02-2809	216	61	hypothesis	hypothesis	NOUN
ajis02-2809	216	62	h1	h1	NOUN
ajis02-2809	216	63	and	and	CCONJ
ajis02-2809	216	64	security	security	NOUN
ajis02-2809	216	65	indicators	indicator	NOUN
ajis02-2809	216	66	(	(	PUNCT
ajis02-2809	216	67	s1	s1	NOUN
ajis02-2809	216	68	-	-	PUNCT
ajis02-2809	216	69	6	6	NUM
ajis02-2809	216	70	)	)	PUNCT
ajis02-2809	216	71	on	on	ADP
ajis02-2809	216	72	hypothesis	hypothesis	NOUN
ajis02-2809	216	73	h2	h2	NOUN
ajis02-2809	216	74	.	.	PUNCT
ajis02-2809	217	1	the	the	DET
ajis02-2809	217	2	security	security	NOUN
ajis02-2809	217	3	indicators	indicator	NOUN
ajis02-2809	217	4	(	(	PUNCT
ajis02-2809	217	5	s1	s1	NOUN
ajis02-2809	217	6	-	-	PUNCT
ajis02-2809	217	7	6	6	NUM
ajis02-2809	217	8	)	)	PUNCT
ajis02-2809	217	9	were	be	AUX
ajis02-2809	217	10	predicted	predict	VERB
ajis02-2809	217	11	using	use	VERB
ajis02-2809	217	12	convenience	convenience	NOUN
ajis02-2809	217	13	indicators	indicator	NOUN
ajis02-2809	217	14	(	(	PUNCT
ajis02-2809	217	15	c1	c1	NOUN
ajis02-2809	217	16	-	-	PUNCT
ajis02-2809	217	17	6	6	NUM
ajis02-2809	217	18	)	)	PUNCT
ajis02-2809	217	19	on	on	ADP
ajis02-2809	217	20	hypothesis	hypothesis	NOUN
ajis02-2809	217	21	h3	h3	NOUN
ajis02-2809	217	22	.	.	PUNCT
ajis02-2809	218	1	comparisons	comparison	NOUN
ajis02-2809	218	2	were	be	AUX
ajis02-2809	218	3	made	make	VERB
ajis02-2809	218	4	based	base	VERB
ajis02-2809	218	5	on	on	ADP
ajis02-2809	218	6	which	which	DET
ajis02-2809	218	7	model	model	NOUN
ajis02-2809	218	8	has	have	VERB
ajis02-2809	218	9	the	the	DET
ajis02-2809	218	10	lower	low	ADJ
ajis02-2809	218	11	value	value	NOUN
ajis02-2809	218	12	of	of	ADP
ajis02-2809	218	13	information	information	NOUN
ajis02-2809	218	14	criteria	criterion	NOUN
ajis02-2809	218	15	–	–	PUNCT
ajis02-2809	218	16	root	root	NOUN
ajis02-2809	218	17	mean	mean	VERB
ajis02-2809	218	18	squared	square	VERB
ajis02-2809	218	19	error	error	NOUN
ajis02-2809	218	20	of	of	ADP
ajis02-2809	218	21	predictions	prediction	NOUN
ajis02-2809	218	22	(	(	PUNCT
ajis02-2809	218	23	rmse	rmse	NOUN
ajis02-2809	218	24	)	)	PUNCT
ajis02-2809	218	25	,	,	PUNCT
ajis02-2809	218	26	mean	mean	VERB
ajis02-2809	218	27	absolute	absolute	ADJ
ajis02-2809	218	28	error	error	NOUN
ajis02-2809	218	29	(	(	PUNCT
ajis02-2809	218	30	mae	mae	PROPN
ajis02-2809	218	31	)	)	PUNCT
ajis02-2809	218	32	,	,	PUNCT
ajis02-2809	218	33	mean	mean	VERB
ajis02-2809	218	34	absolute	absolute	ADJ
ajis02-2809	218	35	percentage	percentage	NOUN
ajis02-2809	218	36	error	error	NOUN
ajis02-2809	218	37	(	(	PUNCT
ajis02-2809	218	38	mape	mape	NOUN
ajis02-2809	218	39	)	)	PUNCT
ajis02-2809	218	40	,	,	PUNCT
ajis02-2809	218	41	and	and	CCONJ
ajis02-2809	218	42	blindfolding	blindfold	VERB
ajis02-2809	218	43	-	-	PUNCT
ajis02-2809	218	44	based	base	VERB
ajis02-2809	218	45	q2	q2	NOUN
ajis02-2809	218	46	.	.	PUNCT
ajis02-2809	219	1	using	use	VERB
ajis02-2809	219	2	a	a	DET
ajis02-2809	219	3	plspredict	plspredict	ADJ
ajis02-2809	219	4	procedure	procedure	NOUN
ajis02-2809	219	5	,	,	PUNCT
ajis02-2809	219	6	this	this	DET
ajis02-2809	219	7	study	study	NOUN
ajis02-2809	219	8	assesses	assess	VERB
ajis02-2809	219	9	the	the	DET
ajis02-2809	219	10	predictive	predictive	ADJ
ajis02-2809	219	11	relevance	relevance	NOUN
ajis02-2809	219	12	of	of	ADP
ajis02-2809	219	13	the	the	DET
ajis02-2809	219	14	empirical	empirical	ADJ
ajis02-2809	219	15	findings	finding	NOUN
ajis02-2809	219	16	.	.	PUNCT
ajis02-2809	220	1	the	the	DET
ajis02-2809	220	2	pls	pls	PROPN
ajis02-2809	220	3	predict	predict	VERB
ajis02-2809	220	4	procedure	procedure	NOUN
ajis02-2809	220	5	was	be	AUX
ajis02-2809	220	6	conducted	conduct	VERB
ajis02-2809	220	7	on	on	ADP
ajis02-2809	220	8	10	10	NUM
ajis02-2809	220	9	-	-	ADJ
ajis02-2809	220	10	fold	fold	ADJ
ajis02-2809	220	11	cross	cross	ADJ
ajis02-2809	220	12	-	-	ADJ
ajis02-2809	220	13	validation	validation	ADJ
ajis02-2809	220	14	using	use	VERB
ajis02-2809	220	15	training	training	NOUN
ajis02-2809	220	16	estimates	estimate	NOUN
ajis02-2809	220	17	from	from	ADP
ajis02-2809	220	18	the	the	DET
ajis02-2809	220	19	pls	pls	PROPN
ajis02-2809	220	20	-	-	PUNCT
ajis02-2809	220	21	sem	sem	NOUN
ajis02-2809	220	22	model	model	NOUN
ajis02-2809	220	23	to	to	PART
ajis02-2809	220	24	predict	predict	VERB
ajis02-2809	220	25	the	the	DET
ajis02-2809	220	26	testing	testing	NOUN
ajis02-2809	220	27	sample	sample	NOUN
ajis02-2809	220	28	(	(	PUNCT
ajis02-2809	220	29	shmueli	shmueli	ADV
ajis02-2809	220	30	et	et	PROPN
ajis02-2809	220	31	al	al	PROPN
ajis02-2809	220	32	.	.	PROPN
ajis02-2809	220	33	,	,	PUNCT
ajis02-2809	220	34	2019	2019	NUM
ajis02-2809	220	35	)	)	PUNCT
ajis02-2809	220	36	.	.	PUNCT
ajis02-2809	221	1	table	table	NOUN
ajis02-2809	221	2	australasian	australasian	ADJ
ajis02-2809	221	3	journal	journal	NOUN
ajis02-2809	221	4	of	of	ADP
ajis02-2809	221	5	information	information	NOUN
ajis02-2809	221	6	systems	systems	PROPN
ajis02-2809	221	7	lai	lai	PROPN
ajis02-2809	221	8	&	&	CCONJ
ajis02-2809	221	9	liew	liew	PROPN
ajis02-2809	221	10	2021	2021	NUM
ajis02-2809	221	11	,	,	PUNCT
ajis02-2809	221	12	vol	vol	NOUN
ajis02-2809	221	13	25	25	NUM
ajis02-2809	221	14	,	,	PUNCT
ajis02-2809	221	15	research	research	NOUN
ajis02-2809	221	16	article	article	NOUN
ajis02-2809	221	17	towards	towards	ADP
ajis02-2809	221	18	a	a	DET
ajis02-2809	221	19	cashless	cashless	NOUN
ajis02-2809	221	20	society	society	NOUN
ajis02-2809	221	21	14	14	NUM
ajis02-2809	221	22	5	5	NUM
ajis02-2809	221	23	shows	show	VERB
ajis02-2809	221	24	that	that	SCONJ
ajis02-2809	221	25	all	all	DET
ajis02-2809	221	26	indicators	indicator	NOUN
ajis02-2809	221	27	predicted	predict	VERB
ajis02-2809	221	28	in	in	ADP
ajis02-2809	221	29	the	the	DET
ajis02-2809	221	30	pls	pls	PROPN
ajis02-2809	221	31	-	-	PUNCT
ajis02-2809	221	32	sem	sem	NOUN
ajis02-2809	221	33	model	model	NOUN
ajis02-2809	221	34	had	have	VERB
ajis02-2809	221	35	q2	q2	NOUN
ajis02-2809	221	36	values	value	NOUN
ajis02-2809	221	37	greater	great	ADJ
ajis02-2809	221	38	than	than	ADP
ajis02-2809	221	39	the	the	DET
ajis02-2809	221	40	zero	zero	NUM
ajis02-2809	221	41	thresholds	threshold	NOUN
ajis02-2809	221	42	.	.	PUNCT
ajis02-2809	222	1	moreover	moreover	ADV
ajis02-2809	222	2	,	,	PUNCT
ajis02-2809	222	3	the	the	DET
ajis02-2809	222	4	pls	pls	PROPN
ajis02-2809	222	5	-	-	PUNCT
ajis02-2809	222	6	sem	sem	NOUN
ajis02-2809	222	7	model	model	NOUN
ajis02-2809	222	8	outperformed	outperform	VERB
ajis02-2809	222	9	the	the	DET
ajis02-2809	222	10	linear	linear	ADJ
ajis02-2809	222	11	regression	regression	NOUN
ajis02-2809	222	12	model	model	NOUN
ajis02-2809	222	13	(	(	PUNCT
ajis02-2809	222	14	lm	lm	INTJ
ajis02-2809	222	15	)	)	PUNCT
ajis02-2809	222	16	with	with	ADP
ajis02-2809	222	17	lower	low	ADJ
ajis02-2809	222	18	values	value	NOUN
ajis02-2809	222	19	of	of	ADP
ajis02-2809	222	20	prediction	prediction	NOUN
ajis02-2809	222	21	errors	error	NOUN
ajis02-2809	222	22	(	(	PUNCT
ajis02-2809	222	23	rmse	rmse	PROPN
ajis02-2809	222	24	,	,	PUNCT
ajis02-2809	222	25	mae	mae	PROPN
ajis02-2809	222	26	,	,	PUNCT
ajis02-2809	222	27	and	and	CCONJ
ajis02-2809	222	28	mape	mape	NOUN
ajis02-2809	222	29	)	)	PUNCT
ajis02-2809	222	30	for	for	ADP
ajis02-2809	222	31	the	the	DET
ajis02-2809	222	32	majority	majority	NOUN
ajis02-2809	222	33	of	of	ADP
ajis02-2809	222	34	predicted	predict	VERB
ajis02-2809	222	35	indicators	indicator	NOUN
ajis02-2809	222	36	(	(	PUNCT
ajis02-2809	222	37	i.e.	i.e.	X
ajis02-2809	222	38	,	,	PUNCT
ajis02-2809	222	39	18	18	NUM
ajis02-2809	222	40	out	out	ADP
ajis02-2809	222	41	of	of	ADP
ajis02-2809	222	42	30	30	NUM
ajis02-2809	222	43	)	)	PUNCT
ajis02-2809	222	44	.	.	PUNCT
ajis02-2809	223	1	the	the	DET
ajis02-2809	223	2	results	result	NOUN
ajis02-2809	223	3	indicated	indicate	VERB
ajis02-2809	223	4	that	that	SCONJ
ajis02-2809	223	5	the	the	DET
ajis02-2809	223	6	pls	pls	PROPN
ajis02-2809	223	7	-	-	PUNCT
ajis02-2809	223	8	sem	sem	NOUN
ajis02-2809	223	9	model	model	NOUN
ajis02-2809	223	10	has	have	VERB
ajis02-2809	223	11	medium	medium	ADJ
ajis02-2809	223	12	predictive	predictive	ADJ
ajis02-2809	223	13	power	power	NOUN
ajis02-2809	223	14	and	and	CCONJ
ajis02-2809	223	15	is	be	AUX
ajis02-2809	223	16	better	well	ADJ
ajis02-2809	223	17	than	than	ADP
ajis02-2809	223	18	a	a	DET
ajis02-2809	223	19	linear	linear	ADJ
ajis02-2809	223	20	model	model	NOUN
ajis02-2809	223	21	prediction	prediction	NOUN
ajis02-2809	223	22	.	.	PUNCT
ajis02-2809	224	1	observed	observe	VERB
ajis02-2809	224	2	heterogeneity	heterogeneity	NOUN
ajis02-2809	224	3	might	might	AUX
ajis02-2809	224	4	likely	likely	ADV
ajis02-2809	224	5	present	present	VERB
ajis02-2809	224	6	in	in	ADP
ajis02-2809	224	7	this	this	DET
ajis02-2809	224	8	study	study	NOUN
ajis02-2809	224	9	,	,	PUNCT
ajis02-2809	224	10	depending	depend	VERB
ajis02-2809	224	11	on	on	ADP
ajis02-2809	224	12	the	the	DET
ajis02-2809	224	13	types	type	NOUN
ajis02-2809	224	14	of	of	ADP
ajis02-2809	224	15	users	user	NOUN
ajis02-2809	224	16	.	.	PUNCT
ajis02-2809	225	1	users	user	NOUN
ajis02-2809	225	2	with	with	ADP
ajis02-2809	225	3	different	different	ADJ
ajis02-2809	225	4	levels	level	NOUN
ajis02-2809	225	5	of	of	ADP
ajis02-2809	225	6	prior	prior	ADJ
ajis02-2809	225	7	interest	interest	NOUN
ajis02-2809	225	8	in	in	ADP
ajis02-2809	225	9	using	use	VERB
ajis02-2809	225	10	a	a	DET
ajis02-2809	225	11	gamified	gamifie	VERB
ajis02-2809	225	12	mobile	mobile	ADJ
ajis02-2809	225	13	payment	payment	NOUN
ajis02-2809	225	14	platform	platform	NOUN
ajis02-2809	225	15	may	may	AUX
ajis02-2809	225	16	perceive	perceive	VERB
ajis02-2809	225	17	convenience	convenience	NOUN
ajis02-2809	225	18	and	and	CCONJ
ajis02-2809	225	19	security	security	NOUN
ajis02-2809	225	20	differently	differently	ADV
ajis02-2809	225	21	(	(	PUNCT
ajis02-2809	225	22	chauhan	chauhan	PROPN
ajis02-2809	225	23	et	et	PROPN
ajis02-2809	225	24	al	al	PROPN
ajis02-2809	225	25	.	.	PROPN
ajis02-2809	225	26	,	,	PUNCT
ajis02-2809	225	27	2018	2018	NUM
ajis02-2809	225	28	;	;	PUNCT
ajis02-2809	225	29	yuniarta	yuniarta	PROPN
ajis02-2809	225	30	&	&	CCONJ
ajis02-2809	225	31	purnamawati	purnamawati	PROPN
ajis02-2809	225	32	,	,	PUNCT
ajis02-2809	225	33	2021	2021	NUM
ajis02-2809	225	34	)	)	PUNCT
ajis02-2809	225	35	.	.	PUNCT
ajis02-2809	226	1	first	first	ADV
ajis02-2809	226	2	,	,	PUNCT
ajis02-2809	226	3	the	the	DET
ajis02-2809	226	4	study	study	NOUN
ajis02-2809	226	5	needs	need	VERB
ajis02-2809	226	6	to	to	PART
ajis02-2809	226	7	ascertain	ascertain	VERB
ajis02-2809	226	8	if	if	SCONJ
ajis02-2809	226	9	a	a	DET
ajis02-2809	226	10	meaningful	meaningful	ADJ
ajis02-2809	226	11	multigroup	multigroup	ADJ
ajis02-2809	226	12	comparison	comparison	NOUN
ajis02-2809	226	13	exists	exist	VERB
ajis02-2809	226	14	across	across	ADP
ajis02-2809	226	15	interested	interested	ADJ
ajis02-2809	226	16	users	user	NOUN
ajis02-2809	226	17	,	,	PUNCT
ajis02-2809	226	18	non	non	ADJ
ajis02-2809	226	19	-	-	ADJ
ajis02-2809	226	20	interested	interested	ADJ
ajis02-2809	226	21	users	user	NOUN
ajis02-2809	226	22	,	,	PUNCT
ajis02-2809	226	23	and	and	CCONJ
ajis02-2809	226	24	all	all	DET
ajis02-2809	226	25	users	user	NOUN
ajis02-2809	226	26	.	.	PUNCT
ajis02-2809	227	1	a	a	DET
ajis02-2809	227	2	measurement	measurement	NOUN
ajis02-2809	227	3	invariance	invariance	NOUN
ajis02-2809	227	4	of	of	ADP
ajis02-2809	227	5	the	the	DET
ajis02-2809	227	6	composite	composite	ADJ
ajis02-2809	227	7	models	model	NOUN
ajis02-2809	227	8	(	(	PUNCT
ajis02-2809	227	9	micom	micom	NOUN
ajis02-2809	227	10	)	)	PUNCT
ajis02-2809	227	11	procedure	procedure	NOUN
ajis02-2809	227	12	was	be	AUX
ajis02-2809	227	13	conducted	conduct	VERB
ajis02-2809	227	14	to	to	PART
ajis02-2809	227	15	assess	assess	VERB
ajis02-2809	227	16	the	the	DET
ajis02-2809	227	17	measurement	measurement	NOUN
ajis02-2809	227	18	invariance	invariance	NOUN
ajis02-2809	227	19	of	of	ADP
ajis02-2809	227	20	the	the	DET
ajis02-2809	227	21	empirical	empirical	ADJ
ajis02-2809	227	22	model	model	NOUN
ajis02-2809	227	23	(	(	PUNCT
ajis02-2809	227	24	henseler	henseler	PROPN
ajis02-2809	227	25	,	,	PUNCT
ajis02-2809	227	26	ringle	ringle	NOUN
ajis02-2809	227	27	,	,	PUNCT
ajis02-2809	227	28	&	&	CCONJ
ajis02-2809	227	29	sarstedt	sarstedt	PROPN
ajis02-2809	227	30	,	,	PUNCT
ajis02-2809	227	31	2015b	2015b	NUM
ajis02-2809	227	32	;	;	PUNCT
ajis02-2809	227	33	henseler	henseler	X
ajis02-2809	227	34	et	et	PROPN
ajis02-2809	227	35	al	al	PROPN
ajis02-2809	227	36	.	.	PROPN
ajis02-2809	227	37	,	,	PUNCT
ajis02-2809	227	38	2015	2015	NUM
ajis02-2809	227	39	)	)	PUNCT
ajis02-2809	227	40	.	.	PUNCT
ajis02-2809	228	1	based	base	VERB
ajis02-2809	228	2	on	on	ADP
ajis02-2809	228	3	the	the	DET
ajis02-2809	228	4	results	result	NOUN
ajis02-2809	228	5	,	,	PUNCT
ajis02-2809	228	6	the	the	DET
ajis02-2809	228	7	empirical	empirical	ADJ
ajis02-2809	228	8	model	model	NOUN
ajis02-2809	228	9	established	establish	VERB
ajis02-2809	228	10	configural	configural	ADJ
ajis02-2809	228	11	invariance	invariance	NOUN
ajis02-2809	228	12	(	(	PUNCT
ajis02-2809	228	13	identical	identical	ADJ
ajis02-2809	228	14	pls	pls	NOUN
ajis02-2809	228	15	models	model	NOUN
ajis02-2809	228	16	,	,	PUNCT
ajis02-2809	228	17	data	datum	NOUN
ajis02-2809	228	18	treatment	treatment	NOUN
ajis02-2809	228	19	,	,	PUNCT
ajis02-2809	228	20	and	and	CCONJ
ajis02-2809	228	21	algorithm	algorithm	NOUN
ajis02-2809	228	22	settings	setting	NOUN
ajis02-2809	228	23	)	)	PUNCT
ajis02-2809	228	24	but	but	CCONJ
ajis02-2809	228	25	not	not	PART
ajis02-2809	228	26	the	the	DET
ajis02-2809	228	27	composite	composite	ADJ
ajis02-2809	228	28	invariance	invariance	NOUN
ajis02-2809	228	29	.	.	PUNCT
ajis02-2809	229	1	the	the	DET
ajis02-2809	229	2	results	result	NOUN
ajis02-2809	229	3	of	of	ADP
ajis02-2809	229	4	1000	1000	NUM
ajis02-2809	229	5	permutations	permutation	NOUN
ajis02-2809	229	6	in	in	ADP
ajis02-2809	229	7	table	table	NOUN
ajis02-2809	229	8	6	6	NUM
ajis02-2809	229	9	shows	show	VERB
ajis02-2809	229	10	that	that	SCONJ
ajis02-2809	229	11	convenience	convenience	NOUN
ajis02-2809	229	12	is	be	AUX
ajis02-2809	229	13	the	the	DET
ajis02-2809	229	14	only	only	ADJ
ajis02-2809	229	15	construct	construct	NOUN
ajis02-2809	229	16	with	with	ADP
ajis02-2809	229	17	between	between	ADP
ajis02-2809	229	18	-	-	PUNCT
ajis02-2809	229	19	group	group	NOUN
ajis02-2809	229	20	correlation	correlation	NOUN
ajis02-2809	229	21	c	c	PROPN
ajis02-2809	229	22	(	(	PUNCT
ajis02-2809	229	23	0.999	0.999	NUM
ajis02-2809	229	24	)	)	PUNCT
ajis02-2809	229	25	not	not	PART
ajis02-2809	229	26	significantly	significantly	ADV
ajis02-2809	229	27	different	different	ADJ
ajis02-2809	229	28	from	from	ADP
ajis02-2809	229	29	1	1	NUM
ajis02-2809	229	30	(	(	PUNCT
ajis02-2809	229	31	p	p	X
ajis02-2809	229	32	=	=	PUNCT
ajis02-2809	229	33	0.121	0.121	NUM
ajis02-2809	229	34	>	>	PUNCT
ajis02-2809	229	35	0.05	0.05	NUM
ajis02-2809	229	36	)	)	PUNCT
ajis02-2809	229	37	.	.	PUNCT
ajis02-2809	230	1	as	as	SCONJ
ajis02-2809	230	2	such	such	ADJ
ajis02-2809	230	3	,	,	PUNCT
ajis02-2809	230	4	a	a	DET
ajis02-2809	230	5	multigroup	multigroup	ADJ
ajis02-2809	230	6	comparison	comparison	NOUN
ajis02-2809	230	7	using	use	VERB
ajis02-2809	230	8	the	the	DET
ajis02-2809	230	9	empirical	empirical	ADJ
ajis02-2809	230	10	model	model	NOUN
ajis02-2809	230	11	would	would	AUX
ajis02-2809	230	12	not	not	PART
ajis02-2809	230	13	be	be	AUX
ajis02-2809	230	14	meaningful	meaningful	ADJ
ajis02-2809	230	15	.	.	PUNCT
ajis02-2809	231	1	however	however	ADV
ajis02-2809	231	2	,	,	PUNCT
ajis02-2809	231	3	this	this	DET
ajis02-2809	231	4	study	study	NOUN
ajis02-2809	231	5	could	could	AUX
ajis02-2809	231	6	still	still	ADV
ajis02-2809	231	7	provide	provide	VERB
ajis02-2809	231	8	a	a	DET
ajis02-2809	231	9	separate	separate	ADJ
ajis02-2809	231	10	analysis	analysis	NOUN
ajis02-2809	231	11	of	of	ADP
ajis02-2809	231	12	each	each	DET
ajis02-2809	231	13	user	user	NOUN
ajis02-2809	231	14	group	group	NOUN
ajis02-2809	231	15	without	without	ADP
ajis02-2809	231	16	comparing	compare	VERB
ajis02-2809	231	17	the	the	DET
ajis02-2809	231	18	results	result	NOUN
ajis02-2809	231	19	between	between	ADP
ajis02-2809	231	20	interested	interested	ADJ
ajis02-2809	231	21	users	user	NOUN
ajis02-2809	231	22	and	and	CCONJ
ajis02-2809	231	23	non	non	ADJ
ajis02-2809	231	24	-	-	ADJ
ajis02-2809	231	25	interested	interested	ADJ
ajis02-2809	231	26	users	user	NOUN
ajis02-2809	231	27	.	.	PUNCT
ajis02-2809	232	1	constructs	construct	VERB
ajis02-2809	232	2	correlation	correlation	NOUN
ajis02-2809	232	3	,	,	PUNCT
ajis02-2809	232	4	c	c	PROPN
ajis02-2809	232	5	95	95	NUM
ajis02-2809	232	6	%	%	NOUN
ajis02-2809	232	7	confidence	confidence	NOUN
ajis02-2809	232	8	interval	interval	NOUN
ajis02-2809	232	9	p	p	NOUN
ajis02-2809	232	10	-	-	PUNCT
ajis02-2809	232	11	value	value	NOUN
ajis02-2809	232	12	compositional	compositional	ADJ
ajis02-2809	232	13	invariance	invariance	NOUN
ajis02-2809	232	14	?	?	PUNCT
ajis02-2809	233	1	convenience	convenience	NOUN
ajis02-2809	233	2	0.999	0.999	NUM
ajis02-2809	234	1	[	[	X
ajis02-2809	234	2	0.999	0.999	NUM
ajis02-2809	234	3	,	,	PUNCT
ajis02-2809	234	4	1.000	1.000	NUM
ajis02-2809	234	5	]	]	SYM
ajis02-2809	234	6	0.121	0.121	NUM
ajis02-2809	234	7	yes	yes	NOUN
ajis02-2809	234	8	intention	intention	NOUN
ajis02-2809	234	9	to	to	PART
ajis02-2809	234	10	use	use	VERB
ajis02-2809	234	11	0.923	0.923	NUM
ajis02-2809	234	12	[	[	X
ajis02-2809	234	13	0.991	0.991	NUM
ajis02-2809	234	14	,	,	PUNCT
ajis02-2809	234	15	0.997	0.997	NUM
ajis02-2809	234	16	]	]	PUNCT
ajis02-2809	234	17	0.000	0.000	NUM
ajis02-2809	234	18	no	no	DET
ajis02-2809	234	19	security	security	NOUN
ajis02-2809	234	20	0.987	0.987	NUM
ajis02-2809	235	1	[	[	X
ajis02-2809	235	2	0.994	0.994	NUM
ajis02-2809	235	3	,	,	PUNCT
ajis02-2809	235	4	0.998	0.998	NUM
ajis02-2809	235	5	]	]	PUNCT
ajis02-2809	235	6	0.006	0.006	NUM
ajis02-2809	235	7	no	no	DET
ajis02-2809	235	8	table	table	NOUN
ajis02-2809	235	9	6	6	NUM
ajis02-2809	235	10	.	.	PUNCT
ajis02-2809	235	11	measurement	measurement	NOUN
ajis02-2809	235	12	invariance	invariance	NOUN
ajis02-2809	235	13	assessment	assessment	NOUN
ajis02-2809	235	14	finally	finally	ADV
ajis02-2809	235	15	,	,	PUNCT
ajis02-2809	235	16	ringle	ringle	NOUN
ajis02-2809	235	17	and	and	CCONJ
ajis02-2809	235	18	sarstedt	sarstedt	NOUN
ajis02-2809	235	19	’s	’s	PART
ajis02-2809	235	20	(	(	PUNCT
ajis02-2809	235	21	2016	2016	NUM
ajis02-2809	235	22	)	)	PUNCT
ajis02-2809	235	23	importance	importance	NOUN
ajis02-2809	235	24	-	-	PUNCT
ajis02-2809	235	25	performance	performance	NOUN
ajis02-2809	235	26	map	map	NOUN
ajis02-2809	235	27	analysis	analysis	NOUN
ajis02-2809	235	28	(	(	PUNCT
ajis02-2809	235	29	ipma	ipma	NOUN
ajis02-2809	235	30	)	)	PUNCT
ajis02-2809	235	31	was	be	AUX
ajis02-2809	235	32	conducted	conduct	VERB
ajis02-2809	235	33	to	to	PART
ajis02-2809	235	34	gain	gain	VERB
ajis02-2809	235	35	additional	additional	ADJ
ajis02-2809	235	36	insights	insight	NOUN
ajis02-2809	235	37	into	into	ADP
ajis02-2809	235	38	the	the	DET
ajis02-2809	235	39	effects	effect	NOUN
ajis02-2809	235	40	of	of	ADP
ajis02-2809	235	41	perceived	perceive	VERB
ajis02-2809	235	42	convenience	convenience	NOUN
ajis02-2809	235	43	and	and	CCONJ
ajis02-2809	235	44	perceived	perceive	VERB
ajis02-2809	235	45	security	security	NOUN
ajis02-2809	235	46	on	on	ADP
ajis02-2809	235	47	users	user	NOUN
ajis02-2809	235	48	’	’	PART
ajis02-2809	235	49	intention	intention	NOUN
ajis02-2809	235	50	to	to	PART
ajis02-2809	235	51	use	use	VERB
ajis02-2809	235	52	a	a	DET
ajis02-2809	235	53	gamified	gamifie	VERB
ajis02-2809	235	54	mobile	mobile	ADJ
ajis02-2809	235	55	payment	payment	NOUN
ajis02-2809	235	56	platform	platform	NOUN
ajis02-2809	235	57	.	.	PUNCT
ajis02-2809	236	1	ipma	ipma	PROPN
ajis02-2809	236	2	contrasted	contrast	VERB
ajis02-2809	236	3	the	the	DET
ajis02-2809	236	4	importance	importance	NOUN
ajis02-2809	236	5	of	of	ADP
ajis02-2809	236	6	hypothesized	hypothesized	ADJ
ajis02-2809	236	7	relationships	relationship	NOUN
ajis02-2809	236	8	(	(	PUNCT
ajis02-2809	236	9	based	base	VERB
ajis02-2809	236	10	on	on	ADP
ajis02-2809	236	11	unstandardized	unstandardized	ADJ
ajis02-2809	236	12	total	total	ADJ
ajis02-2809	236	13	effects	effect	NOUN
ajis02-2809	236	14	of	of	ADP
ajis02-2809	236	15	the	the	DET
ajis02-2809	236	16	pls	pls	NOUN
ajis02-2809	236	17	estimates	estimate	VERB
ajis02-2809	236	18	)	)	PUNCT
ajis02-2809	236	19	with	with	ADP
ajis02-2809	236	20	the	the	DET
ajis02-2809	236	21	performance	performance	NOUN
ajis02-2809	236	22	of	of	ADP
ajis02-2809	236	23	related	related	ADJ
ajis02-2809	236	24	constructs	construct	NOUN
ajis02-2809	236	25	(	(	PUNCT
ajis02-2809	236	26	based	base	VERB
ajis02-2809	236	27	on	on	ADP
ajis02-2809	236	28	average	average	ADJ
ajis02-2809	236	29	latent	latent	NOUN
ajis02-2809	236	30	variable	variable	NOUN
ajis02-2809	236	31	scores	score	NOUN
ajis02-2809	236	32	rescaled	rescale	VERB
ajis02-2809	236	33	on	on	ADP
ajis02-2809	236	34	0	0	NUM
ajis02-2809	236	35	-	-	SYM
ajis02-2809	236	36	100	100	NUM
ajis02-2809	236	37	)	)	PUNCT
ajis02-2809	236	38	.	.	PUNCT
ajis02-2809	237	1	ipma	ipma	PROPN
ajis02-2809	237	2	aims	aim	VERB
ajis02-2809	237	3	to	to	PART
ajis02-2809	237	4	identify	identify	VERB
ajis02-2809	237	5	priority	priority	NOUN
ajis02-2809	237	6	areas	area	NOUN
ajis02-2809	237	7	of	of	ADP
ajis02-2809	237	8	constructs	construct	NOUN
ajis02-2809	237	9	and	and	CCONJ
ajis02-2809	237	10	indicators	indicator	NOUN
ajis02-2809	237	11	that	that	PRON
ajis02-2809	237	12	exhibit	exhibit	VERB
ajis02-2809	237	13	high	high	ADJ
ajis02-2809	237	14	-	-	PUNCT
ajis02-2809	237	15	importance	importance	NOUN
ajis02-2809	237	16	but	but	CCONJ
ajis02-2809	237	17	low	low	ADJ
ajis02-2809	237	18	-	-	PUNCT
ajis02-2809	237	19	performance	performance	NOUN
ajis02-2809	237	20	scores	score	NOUN
ajis02-2809	237	21	to	to	PART
ajis02-2809	237	22	guide	guide	VERB
ajis02-2809	237	23	managerial	managerial	ADJ
ajis02-2809	237	24	prioritization	prioritization	NOUN
ajis02-2809	237	25	for	for	ADP
ajis02-2809	237	26	performance	performance	NOUN
ajis02-2809	237	27	improvement	improvement	NOUN
ajis02-2809	237	28	(	(	PUNCT
ajis02-2809	237	29	ringle	ringle	NOUN
ajis02-2809	237	30	&	&	CCONJ
ajis02-2809	237	31	sarstedt	sarstedt	PROPN
ajis02-2809	237	32	,	,	PUNCT
ajis02-2809	237	33	2016	2016	NUM
ajis02-2809	237	34	)	)	PUNCT
ajis02-2809	237	35	.	.	PUNCT
ajis02-2809	238	1	based	base	VERB
ajis02-2809	238	2	on	on	ADP
ajis02-2809	238	3	the	the	DET
ajis02-2809	238	4	ipma	ipma	NOUN
ajis02-2809	238	5	results	result	NOUN
ajis02-2809	238	6	at	at	ADP
ajis02-2809	238	7	the	the	DET
ajis02-2809	238	8	construct	construct	NOUN
ajis02-2809	238	9	level	level	NOUN
ajis02-2809	238	10	,	,	PUNCT
ajis02-2809	238	11	table	table	NOUN
ajis02-2809	238	12	7	7	NUM
ajis02-2809	238	13	shows	show	VERB
ajis02-2809	238	14	that	that	SCONJ
ajis02-2809	238	15	security	security	NOUN
ajis02-2809	238	16	could	could	AUX
ajis02-2809	238	17	be	be	AUX
ajis02-2809	238	18	a	a	DET
ajis02-2809	238	19	priority	priority	NOUN
ajis02-2809	238	20	area	area	NOUN
ajis02-2809	238	21	for	for	ADP
ajis02-2809	238	22	performance	performance	NOUN
ajis02-2809	238	23	improvement	improvement	NOUN
ajis02-2809	238	24	among	among	ADP
ajis02-2809	238	25	interested	interested	ADJ
ajis02-2809	238	26	users	user	NOUN
ajis02-2809	238	27	and	and	CCONJ
ajis02-2809	238	28	all	all	DET
ajis02-2809	238	29	users	user	NOUN
ajis02-2809	238	30	.	.	PUNCT
ajis02-2809	239	1	in	in	ADP
ajis02-2809	239	2	contrast	contrast	NOUN
ajis02-2809	239	3	,	,	PUNCT
ajis02-2809	239	4	noninterested	noninterested	ADJ
ajis02-2809	239	5	users	user	NOUN
ajis02-2809	239	6	would	would	AUX
ajis02-2809	239	7	prioritize	prioritize	VERB
ajis02-2809	239	8	convenience	convenience	NOUN
ajis02-2809	239	9	for	for	ADP
ajis02-2809	239	10	performance	performance	NOUN
ajis02-2809	239	11	improvement	improvement	NOUN
ajis02-2809	239	12	.	.	PUNCT
ajis02-2809	240	1	the	the	DET
ajis02-2809	240	2	constructlevel	constructlevel	NOUN
ajis02-2809	240	3	results	result	NOUN
ajis02-2809	240	4	found	find	VERB
ajis02-2809	240	5	that	that	SCONJ
ajis02-2809	240	6	the	the	DET
ajis02-2809	240	7	security	security	NOUN
ajis02-2809	240	8	construct	construct	NOUN
ajis02-2809	240	9	shows	show	VERB
ajis02-2809	240	10	higher	high	ADJ
ajis02-2809	240	11	importance	importance	NOUN
ajis02-2809	240	12	(	(	PUNCT
ajis02-2809	240	13	0.46	0.46	NUM
ajis02-2809	240	14	for	for	ADP
ajis02-2809	240	15	all	all	DET
ajis02-2809	240	16	users	user	NOUN
ajis02-2809	240	17	,	,	PUNCT
ajis02-2809	240	18	0.483	0.483	NUM
ajis02-2809	240	19	for	for	ADP
ajis02-2809	240	20	interested	interested	ADJ
ajis02-2809	240	21	users	user	NOUN
ajis02-2809	240	22	)	)	PUNCT
ajis02-2809	240	23	but	but	CCONJ
ajis02-2809	240	24	also	also	ADV
ajis02-2809	240	25	higher	high	ADJ
ajis02-2809	240	26	performance	performance	NOUN
ajis02-2809	240	27	(	(	PUNCT
ajis02-2809	240	28	40.59	40.59	NUM
ajis02-2809	240	29	for	for	ADP
ajis02-2809	240	30	all	all	DET
ajis02-2809	240	31	users	user	NOUN
ajis02-2809	240	32	,	,	PUNCT
ajis02-2809	240	33	37.31	37.31	NUM
ajis02-2809	240	34	for	for	ADP
ajis02-2809	240	35	interested	interested	ADJ
ajis02-2809	240	36	users	user	NOUN
ajis02-2809	240	37	)	)	PUNCT
ajis02-2809	240	38	.	.	PUNCT
ajis02-2809	241	1	prioritizing	prioritize	VERB
ajis02-2809	241	2	security	security	NOUN
ajis02-2809	241	3	is	be	AUX
ajis02-2809	241	4	still	still	ADV
ajis02-2809	241	5	possible	possible	ADJ
ajis02-2809	241	6	(	(	PUNCT
ajis02-2809	241	7	ringle	ringle	NOUN
ajis02-2809	241	8	&	&	CCONJ
ajis02-2809	241	9	sarstedt	sarstedt	PROPN
ajis02-2809	241	10	,	,	PUNCT
ajis02-2809	241	11	2016	2016	NUM
ajis02-2809	241	12	)	)	PUNCT
ajis02-2809	241	13	and	and	CCONJ
ajis02-2809	241	14	preferred	prefer	VERB
ajis02-2809	241	15	as	as	ADP
ajis02-2809	241	16	the	the	DET
ajis02-2809	241	17	pls	pls	PROPN
ajis02-2809	241	18	-	-	PUNCT
ajis02-2809	241	19	sem	sem	NOUN
ajis02-2809	241	20	results	result	NOUN
ajis02-2809	241	21	have	have	AUX
ajis02-2809	241	22	previously	previously	ADV
ajis02-2809	241	23	shown	show	VERB
ajis02-2809	241	24	that	that	SCONJ
ajis02-2809	241	25	security	security	NOUN
ajis02-2809	241	26	is	be	AUX
ajis02-2809	241	27	strongly	strongly	ADV
ajis02-2809	241	28	contributing	contribute	VERB
ajis02-2809	241	29	to	to	ADP
ajis02-2809	241	30	the	the	DET
ajis02-2809	241	31	total	total	ADJ
ajis02-2809	241	32	effect	effect	NOUN
ajis02-2809	241	33	of	of	ADP
ajis02-2809	241	34	convenience	convenience	NOUN
ajis02-2809	241	35	.	.	PUNCT
ajis02-2809	242	1	thus	thus	ADV
ajis02-2809	242	2	,	,	PUNCT
ajis02-2809	242	3	improving	improve	VERB
ajis02-2809	242	4	perceived	perceive	VERB
ajis02-2809	242	5	security	security	NOUN
ajis02-2809	242	6	will	will	AUX
ajis02-2809	242	7	indirectly	indirectly	ADV
ajis02-2809	242	8	improve	improve	VERB
ajis02-2809	242	9	perceived	perceive	VERB
ajis02-2809	242	10	convenience	convenience	NOUN
ajis02-2809	242	11	,	,	PUNCT
ajis02-2809	242	12	even	even	ADV
ajis02-2809	242	13	though	though	SCONJ
ajis02-2809	242	14	the	the	DET
ajis02-2809	242	15	latter	latter	NOUN
ajis02-2809	242	16	has	have	VERB
ajis02-2809	242	17	lower	low	ADJ
ajis02-2809	242	18	performance	performance	NOUN
ajis02-2809	242	19	scores	score	NOUN
ajis02-2809	242	20	than	than	ADP
ajis02-2809	242	21	the	the	DET
ajis02-2809	242	22	former	former	NOUN
ajis02-2809	242	23	.	.	PUNCT
ajis02-2809	243	1	however	however	ADV
ajis02-2809	243	2	,	,	PUNCT
ajis02-2809	243	3	for	for	ADP
ajis02-2809	243	4	non	non	ADJ
ajis02-2809	243	5	-	-	ADJ
ajis02-2809	243	6	interested	interested	ADJ
ajis02-2809	243	7	users	user	NOUN
ajis02-2809	243	8	,	,	PUNCT
ajis02-2809	243	9	the	the	DET
ajis02-2809	243	10	convenience	convenience	NOUN
ajis02-2809	243	11	construct	construct	NOUN
ajis02-2809	243	12	is	be	AUX
ajis02-2809	243	13	clearly	clearly	ADV
ajis02-2809	243	14	a	a	DET
ajis02-2809	243	15	priority	priority	NOUN
ajis02-2809	243	16	area	area	NOUN
ajis02-2809	243	17	with	with	ADP
ajis02-2809	243	18	higher	high	ADJ
ajis02-2809	243	19	importance	importance	NOUN
ajis02-2809	243	20	(	(	PUNCT
ajis02-2809	243	21	0.258	0.258	NUM
ajis02-2809	243	22	)	)	PUNCT
ajis02-2809	243	23	but	but	CCONJ
ajis02-2809	243	24	lower	low	ADJ
ajis02-2809	243	25	performance	performance	NOUN
ajis02-2809	243	26	(	(	PUNCT
ajis02-2809	243	27	37.44	37.44	NUM
ajis02-2809	243	28	)	)	PUNCT
ajis02-2809	243	29	scores	score	NOUN
ajis02-2809	243	30	.	.	PUNCT
ajis02-2809	244	1	australasian	australasian	ADJ
ajis02-2809	244	2	journal	journal	NOUN
ajis02-2809	244	3	of	of	ADP
ajis02-2809	244	4	information	information	NOUN
ajis02-2809	244	5	systems	systems	PROPN
ajis02-2809	244	6	lai	lai	PROPN
ajis02-2809	244	7	&	&	CCONJ
ajis02-2809	244	8	liew	liew	PROPN
ajis02-2809	244	9	2021	2021	NUM
ajis02-2809	244	10	,	,	PUNCT
ajis02-2809	244	11	vol	vol	NOUN
ajis02-2809	244	12	25	25	NUM
ajis02-2809	244	13	,	,	PUNCT
ajis02-2809	244	14	research	research	NOUN
ajis02-2809	244	15	article	article	NOUN
ajis02-2809	244	16	towards	towards	ADP
ajis02-2809	244	17	a	a	DET
ajis02-2809	244	18	cashless	cashless	NOUN
ajis02-2809	244	19	society	society	NOUN
ajis02-2809	244	20	15	15	NUM
ajis02-2809	244	21	importance	importance	NOUN
ajis02-2809	244	22	(	(	PUNCT
ajis02-2809	244	23	based	base	VERB
ajis02-2809	244	24	on	on	ADP
ajis02-2809	244	25	total	total	ADJ
ajis02-2809	244	26	effects	effect	NOUN
ajis02-2809	244	27	)	)	PUNCT
ajis02-2809	244	28	performance	performance	NOUN
ajis02-2809	244	29	(	(	PUNCT
ajis02-2809	244	30	based	base	VERB
ajis02-2809	244	31	on	on	ADP
ajis02-2809	244	32	mean	mean	PROPN
ajis02-2809	244	33	latent	latent	NOUN
ajis02-2809	244	34	variable	variable	ADJ
ajis02-2809	244	35	scores	score	NOUN
ajis02-2809	244	36	)	)	PUNCT
ajis02-2809	244	37	construct	construct	VERB
ajis02-2809	244	38	level	level	NOUN
ajis02-2809	244	39	:	:	PUNCT
ajis02-2809	244	40	all	all	PRON
ajis02-2809	244	41	(	(	PUNCT
ajis02-2809	244	42	n=388	n=388	NUM
ajis02-2809	244	43	)	)	PUNCT
ajis02-2809	244	44	interested	interested	ADJ
ajis02-2809	244	45	(	(	PUNCT
ajis02-2809	244	46	n=254	n=254	NUM
ajis02-2809	244	47	)	)	PUNCT
ajis02-2809	244	48	noninterested	nonintereste	VERB
ajis02-2809	244	49	(	(	PUNCT
ajis02-2809	244	50	n=132	n=132	PROPN
ajis02-2809	244	51	)	)	PUNCT
ajis02-2809	244	52	all	all	PRON
ajis02-2809	244	53	(	(	PUNCT
ajis02-2809	244	54	n=388	n=388	NUM
ajis02-2809	244	55	)	)	PUNCT
ajis02-2809	244	56	interested	interested	ADJ
ajis02-2809	244	57	(	(	PUNCT
ajis02-2809	244	58	n=254	n=254	NUM
ajis02-2809	244	59	)	)	PUNCT
ajis02-2809	244	60	noninterested	nonintereste	VERB
ajis02-2809	244	61	(	(	PUNCT
ajis02-2809	244	62	n=132	n=132	PROPN
ajis02-2809	244	63	)	)	PUNCT
ajis02-2809	244	64	convenience	convenience	VERB
ajis02-2809	244	65	0.444	0.444	NUM
ajis02-2809	244	66	0.451	0.451	NUM
ajis02-2809	244	67	0.258	0.258	NUM
ajis02-2809	244	68	31.88	31.88	NUM
ajis02-2809	244	69	28.62	28.62	NUM
ajis02-2809	244	70	37.44	37.44	NUM
ajis02-2809	244	71	security	security	NOUN
ajis02-2809	244	72	0.460	0.460	NUM
ajis02-2809	244	73	0.483	0.483	NUM
ajis02-2809	244	74	0.111	0.111	NUM
ajis02-2809	244	75	40.59	40.59	NUM
ajis02-2809	244	76	37.31	37.31	NUM
ajis02-2809	244	77	47.34	47.34	NUM
ajis02-2809	244	78	table	table	NOUN
ajis02-2809	244	79	7	7	NUM
ajis02-2809	244	80	.	.	PUNCT
ajis02-2809	244	81	ipma	ipma	NOUN
ajis02-2809	244	82	construct	construct	NOUN
ajis02-2809	244	83	-	-	PUNCT
ajis02-2809	244	84	level	level	NOUN
ajis02-2809	244	85	priority	priority	NOUN
ajis02-2809	244	86	areas	area	NOUN
ajis02-2809	244	87	for	for	ADP
ajis02-2809	244	88	performance	performance	NOUN
ajis02-2809	244	89	improvement	improvement	NOUN
ajis02-2809	244	90	note	note	NOUN
ajis02-2809	244	91	:	:	PUNCT
ajis02-2809	244	92	importance	importance	NOUN
ajis02-2809	244	93	based	base	VERB
ajis02-2809	244	94	on	on	ADP
ajis02-2809	244	95	total	total	ADJ
ajis02-2809	244	96	effects	effect	NOUN
ajis02-2809	244	97	(	(	PUNCT
ajis02-2809	244	98	x	x	NOUN
ajis02-2809	244	99	-	-	NOUN
ajis02-2809	244	100	axis	axis	ADJ
ajis02-2809	244	101	)	)	PUNCT
ajis02-2809	244	102	,	,	PUNCT
ajis02-2809	244	103	performance	performance	NOUN
ajis02-2809	244	104	scores	score	NOUN
ajis02-2809	244	105	on	on	ADP
ajis02-2809	244	106	the	the	DET
ajis02-2809	244	107	intention	intention	NOUN
ajis02-2809	244	108	to	to	PART
ajis02-2809	244	109	use	use	VERB
ajis02-2809	244	110	(	(	PUNCT
ajis02-2809	244	111	y	y	NOUN
ajis02-2809	244	112	-	-	PUNCT
ajis02-2809	244	113	axis	axis	NOUN
ajis02-2809	244	114	)	)	PUNCT
ajis02-2809	244	115	.	.	PUNCT
ajis02-2809	245	1	on	on	ADP
ajis02-2809	245	2	average	average	ADJ
ajis02-2809	245	3	,	,	PUNCT
ajis02-2809	245	4	a	a	DET
ajis02-2809	245	5	1	1	NUM
ajis02-2809	245	6	-	-	PUNCT
ajis02-2809	245	7	unit	unit	NOUN
ajis02-2809	245	8	increase	increase	NOUN
ajis02-2809	245	9	in	in	ADP
ajis02-2809	245	10	security	security	NOUN
ajis02-2809	245	11	would	would	AUX
ajis02-2809	245	12	increase	increase	VERB
ajis02-2809	245	13	users	user	NOUN
ajis02-2809	245	14	’	'	PUNCT
ajis02-2809	245	15	intention	intention	NOUN
ajis02-2809	245	16	to	to	PART
ajis02-2809	245	17	use	use	VERB
ajis02-2809	245	18	(	(	PUNCT
ajis02-2809	245	19	performance	performance	NOUN
ajis02-2809	245	20	)	)	PUNCT
ajis02-2809	245	21	by	by	ADP
ajis02-2809	245	22	0.46	0.46	NUM
ajis02-2809	245	23	%	%	NOUN
ajis02-2809	245	24	for	for	ADP
ajis02-2809	245	25	all	all	DET
ajis02-2809	245	26	users	user	NOUN
ajis02-2809	245	27	and	and	CCONJ
ajis02-2809	245	28	0.483	0.483	NUM
ajis02-2809	245	29	%	%	NOUN
ajis02-2809	245	30	for	for	ADP
ajis02-2809	245	31	interested	interested	ADJ
ajis02-2809	245	32	users	user	NOUN
ajis02-2809	245	33	(	(	PUNCT
ajis02-2809	245	34	importance	importance	NOUN
ajis02-2809	245	35	)	)	PUNCT
ajis02-2809	245	36	.	.	PUNCT
ajis02-2809	246	1	security	security	NOUN
ajis02-2809	246	2	improvement	improvement	NOUN
ajis02-2809	246	3	would	would	AUX
ajis02-2809	246	4	affect	affect	VERB
ajis02-2809	246	5	interested	interested	ADJ
ajis02-2809	246	6	users	user	NOUN
ajis02-2809	246	7	slightly	slightly	ADV
ajis02-2809	246	8	more	more	ADJ
ajis02-2809	246	9	than	than	ADP
ajis02-2809	246	10	all	all	DET
ajis02-2809	246	11	users	user	NOUN
ajis02-2809	246	12	.	.	PUNCT
ajis02-2809	247	1	in	in	ADP
ajis02-2809	247	2	contrast	contrast	NOUN
ajis02-2809	247	3	,	,	PUNCT
ajis02-2809	247	4	among	among	ADP
ajis02-2809	247	5	the	the	DET
ajis02-2809	247	6	noninterested	noninterested	ADJ
ajis02-2809	247	7	users	user	NOUN
ajis02-2809	247	8	,	,	PUNCT
ajis02-2809	247	9	a	a	DET
ajis02-2809	247	10	1	1	NUM
ajis02-2809	247	11	-	-	PUNCT
ajis02-2809	247	12	unit	unit	NOUN
ajis02-2809	247	13	increase	increase	NOUN
ajis02-2809	247	14	in	in	ADP
ajis02-2809	247	15	convenience	convenience	NOUN
ajis02-2809	247	16	would	would	AUX
ajis02-2809	247	17	increase	increase	VERB
ajis02-2809	247	18	users	user	NOUN
ajis02-2809	247	19	’	'	PUNCT
ajis02-2809	247	20	intention	intention	NOUN
ajis02-2809	247	21	to	to	PART
ajis02-2809	247	22	use	use	VERB
ajis02-2809	247	23	(	(	PUNCT
ajis02-2809	247	24	performance	performance	NOUN
ajis02-2809	247	25	)	)	PUNCT
ajis02-2809	247	26	by	by	ADP
ajis02-2809	247	27	0.258	0.258	NUM
ajis02-2809	247	28	%	%	NOUN
ajis02-2809	247	29	.	.	PUNCT
ajis02-2809	248	1	the	the	DET
ajis02-2809	248	2	results	result	NOUN
ajis02-2809	248	3	show	show	VERB
ajis02-2809	248	4	that	that	SCONJ
ajis02-2809	248	5	the	the	DET
ajis02-2809	248	6	impact	impact	NOUN
ajis02-2809	248	7	of	of	ADP
ajis02-2809	248	8	improving	improve	VERB
ajis02-2809	248	9	security	security	NOUN
ajis02-2809	248	10	concerns	concern	NOUN
ajis02-2809	248	11	for	for	ADP
ajis02-2809	248	12	interested	interested	ADJ
ajis02-2809	248	13	users	user	NOUN
ajis02-2809	248	14	is	be	AUX
ajis02-2809	248	15	larger	large	ADJ
ajis02-2809	248	16	than	than	ADP
ajis02-2809	248	17	improving	improve	VERB
ajis02-2809	248	18	convenience	convenience	NOUN
ajis02-2809	248	19	concerns	concern	NOUN
ajis02-2809	248	20	for	for	ADP
ajis02-2809	248	21	non	non	ADJ
ajis02-2809	248	22	-	-	ADJ
ajis02-2809	248	23	interested	interested	ADJ
ajis02-2809	248	24	users	user	NOUN
ajis02-2809	248	25	.	.	PUNCT
ajis02-2809	249	1	based	base	VERB
ajis02-2809	249	2	on	on	ADP
ajis02-2809	249	3	the	the	DET
ajis02-2809	249	4	ipma	ipma	NOUN
ajis02-2809	249	5	results	result	NOUN
ajis02-2809	249	6	at	at	ADP
ajis02-2809	249	7	the	the	DET
ajis02-2809	249	8	indicator	indicator	NOUN
ajis02-2809	249	9	level	level	NOUN
ajis02-2809	249	10	,	,	PUNCT
ajis02-2809	249	11	table	table	NOUN
ajis02-2809	249	12	8	8	NUM
ajis02-2809	249	13	shows	show	VERB
ajis02-2809	249	14	the	the	DET
ajis02-2809	249	15	top	top	ADJ
ajis02-2809	249	16	5	5	NUM
ajis02-2809	249	17	priority	priority	NOUN
ajis02-2809	249	18	sub	sub	NOUN
ajis02-2809	249	19	-	-	NOUN
ajis02-2809	249	20	areas	area	NOUN
ajis02-2809	249	21	for	for	ADP
ajis02-2809	249	22	performance	performance	NOUN
ajis02-2809	249	23	improvement	improvement	NOUN
ajis02-2809	249	24	that	that	PRON
ajis02-2809	249	25	have	have	VERB
ajis02-2809	249	26	indicators	indicator	NOUN
ajis02-2809	249	27	with	with	ADP
ajis02-2809	249	28	high	high	ADJ
ajis02-2809	249	29	importance	importance	NOUN
ajis02-2809	249	30	(	(	PUNCT
ajis02-2809	249	31	total	total	ADJ
ajis02-2809	249	32	effects	effect	NOUN
ajis02-2809	249	33	≥	≥	NOUN
ajis02-2809	249	34	0.08	0.08	NUM
ajis02-2809	249	35	)	)	PUNCT
ajis02-2809	249	36	but	but	CCONJ
ajis02-2809	249	37	below	below	ADP
ajis02-2809	249	38	-	-	PUNCT
ajis02-2809	249	39	average	average	NOUN
ajis02-2809	249	40	performance	performance	NOUN
ajis02-2809	249	41	(	(	PUNCT
ajis02-2809	249	42	intention	intention	NOUN
ajis02-2809	249	43	to	to	PART
ajis02-2809	249	44	use	use	VERB
ajis02-2809	249	45	≤	≤	NOUN
ajis02-2809	249	46	0.50	0.50	NUM
ajis02-2809	249	47	)	)	PUNCT
ajis02-2809	249	48	.	.	PUNCT
ajis02-2809	250	1	among	among	ADP
ajis02-2809	250	2	all	all	DET
ajis02-2809	250	3	users	user	NOUN
ajis02-2809	250	4	and	and	CCONJ
ajis02-2809	250	5	the	the	DET
ajis02-2809	250	6	interested	interested	ADJ
ajis02-2809	250	7	users	user	NOUN
ajis02-2809	250	8	,	,	PUNCT
ajis02-2809	250	9	the	the	DET
ajis02-2809	250	10	top	top	ADJ
ajis02-2809	250	11	5	5	NUM
ajis02-2809	250	12	priority	priority	NOUN
ajis02-2809	250	13	sub	sub	NOUN
ajis02-2809	250	14	-	-	NOUN
ajis02-2809	250	15	areas	area	NOUN
ajis02-2809	250	16	were	be	AUX
ajis02-2809	250	17	mostly	mostly	ADV
ajis02-2809	250	18	concerning	concern	VERB
ajis02-2809	250	19	security	security	NOUN
ajis02-2809	250	20	issues	issue	NOUN
ajis02-2809	250	21	though	though	ADV
ajis02-2809	250	22	in	in	ADP
ajis02-2809	250	23	different	different	ADJ
ajis02-2809	250	24	order	order	NOUN
ajis02-2809	250	25	of	of	ADP
ajis02-2809	250	26	importance	importance	NOUN
ajis02-2809	250	27	.	.	PUNCT
ajis02-2809	251	1	four	four	NUM
ajis02-2809	251	2	of	of	ADP
ajis02-2809	251	3	these	these	DET
ajis02-2809	251	4	indicators	indicator	NOUN
ajis02-2809	251	5	reflect	reflect	VERB
ajis02-2809	251	6	the	the	DET
ajis02-2809	251	7	security	security	NOUN
ajis02-2809	251	8	aspects	aspect	NOUN
ajis02-2809	251	9	of	of	ADP
ajis02-2809	251	10	reliability	reliability	NOUN
ajis02-2809	251	11	(	(	PUNCT
ajis02-2809	251	12	s1	s1	NOUN
ajis02-2809	251	13	)	)	PUNCT
ajis02-2809	251	14	,	,	PUNCT
ajis02-2809	251	15	privacy	privacy	NOUN
ajis02-2809	251	16	(	(	PUNCT
ajis02-2809	251	17	s2	s2	PROPN
ajis02-2809	251	18	)	)	PUNCT
ajis02-2809	251	19	,	,	PUNCT
ajis02-2809	251	20	non	non	ADJ
ajis02-2809	251	21	-	-	NOUN
ajis02-2809	251	22	repudiation	repudiation	ADJ
ajis02-2809	251	23	(	(	PUNCT
ajis02-2809	251	24	s5	s5	PROPN
ajis02-2809	251	25	)	)	PUNCT
ajis02-2809	251	26	,	,	PUNCT
ajis02-2809	251	27	and	and	CCONJ
ajis02-2809	251	28	confidentiality	confidentiality	NOUN
ajis02-2809	251	29	(	(	PUNCT
ajis02-2809	251	30	s6	s6	PROPN
ajis02-2809	251	31	)	)	PUNCT
ajis02-2809	251	32	,	,	PUNCT
ajis02-2809	251	33	except	except	SCONJ
ajis02-2809	251	34	for	for	ADP
ajis02-2809	251	35	one	one	NUM
ajis02-2809	251	36	indicator	indicator	NOUN
ajis02-2809	251	37	representing	represent	VERB
ajis02-2809	251	38	the	the	DET
ajis02-2809	251	39	convenience	convenience	NOUN
ajis02-2809	251	40	of	of	ADP
ajis02-2809	251	41	carrying	carry	VERB
ajis02-2809	251	42	less	less	ADJ
ajis02-2809	251	43	cash	cash	NOUN
ajis02-2809	251	44	(	(	PUNCT
ajis02-2809	251	45	c1	c1	NOUN
ajis02-2809	251	46	)	)	PUNCT
ajis02-2809	251	47	.	.	PUNCT
ajis02-2809	252	1	reliability	reliability	NOUN
ajis02-2809	252	2	(	(	PUNCT
ajis02-2809	252	3	s1	s1	NOUN
ajis02-2809	252	4	)	)	PUNCT
ajis02-2809	252	5	topped	top	VERB
ajis02-2809	252	6	the	the	DET
ajis02-2809	252	7	list	list	NOUN
ajis02-2809	252	8	with	with	ADP
ajis02-2809	252	9	the	the	DET
ajis02-2809	252	10	highest	high	ADJ
ajis02-2809	252	11	importance	importance	NOUN
ajis02-2809	252	12	(	(	PUNCT
ajis02-2809	252	13	0.093	0.093	NUM
ajis02-2809	252	14	)	)	PUNCT
ajis02-2809	252	15	but	but	CCONJ
ajis02-2809	252	16	the	the	DET
ajis02-2809	252	17	lowest	low	ADJ
ajis02-2809	252	18	performance	performance	NOUN
ajis02-2809	252	19	score	score	NOUN
ajis02-2809	252	20	(	(	PUNCT
ajis02-2809	252	21	28.54	28.54	NUM
ajis02-2809	252	22	)	)	PUNCT
ajis02-2809	252	23	for	for	ADP
ajis02-2809	252	24	all	all	DET
ajis02-2809	252	25	users	user	NOUN
ajis02-2809	252	26	.	.	PUNCT
ajis02-2809	253	1	although	although	SCONJ
ajis02-2809	253	2	reliability	reliability	NOUN
ajis02-2809	253	3	(	(	PUNCT
ajis02-2809	253	4	s1	s1	NOUN
ajis02-2809	253	5	)	)	PUNCT
ajis02-2809	253	6	was	be	AUX
ajis02-2809	253	7	ranked	rank	VERB
ajis02-2809	253	8	third	third	ADV
ajis02-2809	253	9	in	in	ADP
ajis02-2809	253	10	terms	term	NOUN
ajis02-2809	253	11	of	of	ADP
ajis02-2809	253	12	importance	importance	NOUN
ajis02-2809	253	13	(	(	PUNCT
ajis02-2809	253	14	0.093	0.093	NUM
ajis02-2809	253	15	)	)	PUNCT
ajis02-2809	253	16	,	,	PUNCT
ajis02-2809	253	17	it	it	PRON
ajis02-2809	253	18	too	too	ADV
ajis02-2809	253	19	had	have	VERB
ajis02-2809	253	20	the	the	DET
ajis02-2809	253	21	lowest	low	ADJ
ajis02-2809	253	22	performance	performance	NOUN
ajis02-2809	253	23	score	score	NOUN
ajis02-2809	253	24	(	(	PUNCT
ajis02-2809	253	25	23.819	23.819	NUM
ajis02-2809	253	26	)	)	PUNCT
ajis02-2809	253	27	for	for	ADP
ajis02-2809	253	28	the	the	DET
ajis02-2809	253	29	interested	interested	ADJ
ajis02-2809	253	30	users	user	NOUN
ajis02-2809	253	31	.	.	PUNCT
ajis02-2809	254	1	hence	hence	ADV
ajis02-2809	254	2	,	,	PUNCT
ajis02-2809	254	3	the	the	DET
ajis02-2809	254	4	indicatorlevel	indicatorlevel	NOUN
ajis02-2809	254	5	results	result	NOUN
ajis02-2809	254	6	showed	show	VERB
ajis02-2809	254	7	that	that	SCONJ
ajis02-2809	254	8	the	the	DET
ajis02-2809	254	9	reliability	reliability	NOUN
ajis02-2809	254	10	(	(	PUNCT
ajis02-2809	254	11	s1	s1	NOUN
ajis02-2809	254	12	)	)	PUNCT
ajis02-2809	254	13	aspect	aspect	NOUN
ajis02-2809	254	14	of	of	ADP
ajis02-2809	254	15	a	a	DET
ajis02-2809	254	16	gamified	gamifie	VERB
ajis02-2809	254	17	mobile	mobile	ADJ
ajis02-2809	254	18	payment	payment	NOUN
ajis02-2809	254	19	platform	platform	NOUN
ajis02-2809	254	20	should	should	AUX
ajis02-2809	254	21	have	have	VERB
ajis02-2809	254	22	the	the	DET
ajis02-2809	254	23	top	top	ADJ
ajis02-2809	254	24	priority	priority	NOUN
ajis02-2809	254	25	for	for	ADP
ajis02-2809	254	26	performance	performance	NOUN
ajis02-2809	254	27	improvement	improvement	NOUN
ajis02-2809	254	28	among	among	ADP
ajis02-2809	254	29	interested	interested	ADJ
ajis02-2809	254	30	users	user	NOUN
ajis02-2809	254	31	and	and	CCONJ
ajis02-2809	254	32	all	all	DET
ajis02-2809	254	33	users	user	NOUN
ajis02-2809	254	34	.	.	PUNCT
ajis02-2809	255	1	all	all	PRON
ajis02-2809	255	2	(	(	PUNCT
ajis02-2809	255	3	n=388	n=388	NUM
ajis02-2809	255	4	)	)	PUNCT
ajis02-2809	255	5	interested	interested	ADJ
ajis02-2809	255	6	(	(	PUNCT
ajis02-2809	255	7	n=254	n=254	NUM
ajis02-2809	255	8	)	)	PUNCT
ajis02-2809	255	9	non	non	ADJ
ajis02-2809	255	10	-	-	ADJ
ajis02-2809	255	11	interested	interested	ADJ
ajis02-2809	255	12	(	(	PUNCT
ajis02-2809	255	13	n=132	n=132	NOUN
ajis02-2809	255	14	)	)	PUNCT
ajis02-2809	255	15	ind	ind	NOUN
ajis02-2809	255	16	.	.	PUNCT
ajis02-2809	256	1	imp	imp	PROPN
ajis02-2809	256	2	perf	perf	PROPN
ajis02-2809	256	3	ind	ind	PROPN
ajis02-2809	256	4	.	.	PUNCT
ajis02-2809	257	1	imp	imp	PROPN
ajis02-2809	257	2	perf	perf	PROPN
ajis02-2809	257	3	ind	ind	PROPN
ajis02-2809	257	4	.	.	PUNCT
ajis02-2809	258	1	imp	imp	NOUN
ajis02-2809	258	2	perf	perf	NOUN
ajis02-2809	258	3	s1	s1	PROPN
ajis02-2809	258	4	0.093	0.093	NUM
ajis02-2809	258	5	28.54	28.54	NUM
ajis02-2809	258	6	s6	s6	PROPN
ajis02-2809	258	7	0.098	0.098	NUM
ajis02-2809	258	8	39.08	39.08	NUM
ajis02-2809	258	9	c2	c2	PROPN
ajis02-2809	258	10	0.053	0.053	NUM
ajis02-2809	258	11	32.77	32.77	NUM
ajis02-2809	258	12	s6	s6	PROPN
ajis02-2809	258	13	0.092	0.092	NUM
ajis02-2809	258	14	42.59	42.59	NUM
ajis02-2809	258	15	c1	c1	NOUN
ajis02-2809	258	16	0.096	0.096	NUM
ajis02-2809	258	17	33.20	33.20	NUM
ajis02-2809	258	18	c3	c3	PROPN
ajis02-2809	258	19	0.045	0.045	NUM
ajis02-2809	258	20	36.74	36.74	NUM
ajis02-2809	258	21	s2	s2	NOUN
ajis02-2809	258	22	0.085	0.085	NUM
ajis02-2809	258	23	35.05	35.05	NUM
ajis02-2809	258	24	s1	s1	NOUN
ajis02-2809	258	25	0.093	0.093	NUM
ajis02-2809	258	26	23.82	23.82	NUM
ajis02-2809	258	27	c5	c5	PROPN
ajis02-2809	258	28	0.043	0.043	NUM
ajis02-2809	258	29	37.31	37.31	NUM
ajis02-2809	258	30	c1	c1	PROPN
ajis02-2809	258	31	0.084	0.084	NUM
ajis02-2809	258	32	37.08	37.08	NUM
ajis02-2809	258	33	s2	s2	VERB
ajis02-2809	258	34	0.084	0.084	NUM
ajis02-2809	258	35	29.53	29.53	NUM
ajis02-2809	258	36	c4	c4	NOUN
ajis02-2809	258	37	0.042	0.042	NUM
ajis02-2809	258	38	38.07	38.07	NUM
ajis02-2809	258	39	s5	s5	PROPN
ajis02-2809	258	40	0.083	0.083	NUM
ajis02-2809	258	41	39.63	39.63	NUM
ajis02-2809	258	42	s5	s5	PROPN
ajis02-2809	258	43	0.083	0.083	NUM
ajis02-2809	258	44	34.84	34.84	NUM
ajis02-2809	258	45	c6	c6	PROPN
ajis02-2809	258	46	0.039	0.039	NUM
ajis02-2809	258	47	38.26	38.26	NUM
ajis02-2809	258	48	table	table	NOUN
ajis02-2809	258	49	8	8	NUM
ajis02-2809	258	50	.	.	PUNCT
ajis02-2809	259	1	impa	impa	PROPN
ajis02-2809	259	2	indicator	indicator	NOUN
ajis02-2809	259	3	-	-	PUNCT
ajis02-2809	259	4	level	level	NOUN
ajis02-2809	259	5	priority	priority	NOUN
ajis02-2809	259	6	areas	area	NOUN
ajis02-2809	259	7	for	for	ADP
ajis02-2809	259	8	performance	performance	NOUN
ajis02-2809	259	9	improvement	improvement	NOUN
ajis02-2809	259	10	note	note	NOUN
ajis02-2809	259	11	:	:	PUNCT
ajis02-2809	259	12	ind	ind	NOUN
ajis02-2809	259	13	=	=	SYM
ajis02-2809	259	14	indicator	indicator	NOUN
ajis02-2809	259	15	.	.	PUNCT
ajis02-2809	260	1	importance	importance	NOUN
ajis02-2809	260	2	is	be	AUX
ajis02-2809	260	3	based	base	VERB
ajis02-2809	260	4	on	on	ADP
ajis02-2809	260	5	unstandardized	unstandardized	ADJ
ajis02-2809	260	6	total	total	ADJ
ajis02-2809	260	7	effects	effect	NOUN
ajis02-2809	260	8	(	(	PUNCT
ajis02-2809	260	9	imp	imp	NOUN
ajis02-2809	260	10	)	)	PUNCT
ajis02-2809	260	11	;	;	PUNCT
ajis02-2809	260	12	performance	performance	NOUN
ajis02-2809	260	13	is	be	AUX
ajis02-2809	260	14	based	base	VERB
ajis02-2809	260	15	on	on	ADP
ajis02-2809	260	16	rescaled	rescaled	ADJ
ajis02-2809	260	17	average	average	ADJ
ajis02-2809	260	18	latent	latent	NOUN
ajis02-2809	260	19	variable	variable	ADJ
ajis02-2809	260	20	scores	score	NOUN
ajis02-2809	260	21	(	(	PUNCT
ajis02-2809	260	22	perf	perf	NOUN
ajis02-2809	260	23	)	)	PUNCT
ajis02-2809	260	24	on	on	ADP
ajis02-2809	260	25	the	the	DET
ajis02-2809	260	26	other	other	ADJ
ajis02-2809	260	27	hand	hand	NOUN
ajis02-2809	260	28	,	,	PUNCT
ajis02-2809	260	29	non	non	ADJ
ajis02-2809	260	30	-	-	ADJ
ajis02-2809	260	31	interested	interested	ADJ
ajis02-2809	260	32	users	user	NOUN
ajis02-2809	260	33	were	be	AUX
ajis02-2809	260	34	mostly	mostly	ADV
ajis02-2809	260	35	concerned	concerned	ADJ
ajis02-2809	260	36	with	with	ADP
ajis02-2809	260	37	the	the	DET
ajis02-2809	260	38	convenience	convenience	NOUN
ajis02-2809	260	39	of	of	ADP
ajis02-2809	260	40	having	have	VERB
ajis02-2809	260	41	multi	multi	ADJ
ajis02-2809	260	42	-	-	ADJ
ajis02-2809	260	43	function	function	ADJ
ajis02-2809	260	44	(	(	PUNCT
ajis02-2809	260	45	c2	c2	PROPN
ajis02-2809	260	46	)	)	PUNCT
ajis02-2809	260	47	,	,	PUNCT
ajis02-2809	260	48	an	an	DET
ajis02-2809	260	49	emergency	emergency	NOUN
ajis02-2809	260	50	need	need	NOUN
ajis02-2809	260	51	of	of	ADP
ajis02-2809	260	52	funds	fund	NOUN
ajis02-2809	260	53	(	(	PUNCT
ajis02-2809	260	54	c3	c3	PROPN
ajis02-2809	260	55	)	)	PUNCT
ajis02-2809	260	56	,	,	PUNCT
ajis02-2809	260	57	time	time	NOUN
ajis02-2809	260	58	-	-	PUNCT
ajis02-2809	260	59	saving	save	VERB
ajis02-2809	260	60	(	(	PUNCT
ajis02-2809	260	61	c4	c4	NOUN
ajis02-2809	260	62	)	)	PUNCT
ajis02-2809	260	63	,	,	PUNCT
ajis02-2809	260	64	customized	customized	ADJ
ajis02-2809	260	65	application	application	NOUN
ajis02-2809	260	66	(	(	PUNCT
ajis02-2809	260	67	c5	c5	PROPN
ajis02-2809	260	68	)	)	PUNCT
ajis02-2809	260	69	,	,	PUNCT
ajis02-2809	260	70	and	and	CCONJ
ajis02-2809	260	71	a	a	DET
ajis02-2809	260	72	single	single	ADJ
ajis02-2809	260	73	platform	platform	NOUN
ajis02-2809	260	74	(	(	PUNCT
ajis02-2809	260	75	c6	c6	PROPN
ajis02-2809	260	76	)	)	PUNCT
ajis02-2809	260	77	;	;	PUNCT
ajis02-2809	260	78	security	security	NOUN
ajis02-2809	260	79	was	be	AUX
ajis02-2809	260	80	not	not	PART
ajis02-2809	260	81	listed	list	VERB
ajis02-2809	260	82	among	among	ADP
ajis02-2809	260	83	the	the	DET
ajis02-2809	260	84	top	top	ADJ
ajis02-2809	260	85	priorities	priority	NOUN
ajis02-2809	260	86	.	.	PUNCT
ajis02-2809	261	1	multi	multi	ADJ
ajis02-2809	261	2	-	-	ADJ
ajis02-2809	261	3	function	function	ADJ
ajis02-2809	261	4	(	(	PUNCT
ajis02-2809	261	5	c2	c2	PROPN
ajis02-2809	261	6	)	)	PUNCT
ajis02-2809	261	7	had	have	VERB
ajis02-2809	261	8	the	the	DET
ajis02-2809	261	9	highest	high	ADJ
ajis02-2809	261	10	importance	importance	NOUN
ajis02-2809	261	11	(	(	PUNCT
ajis02-2809	261	12	0.053	0.053	NUM
ajis02-2809	261	13	)	)	PUNCT
ajis02-2809	261	14	but	but	CCONJ
ajis02-2809	261	15	the	the	DET
ajis02-2809	261	16	lowest	low	ADJ
ajis02-2809	261	17	performance	performance	NOUN
ajis02-2809	261	18	score	score	NOUN
ajis02-2809	261	19	(	(	PUNCT
ajis02-2809	261	20	32.77	32.77	NUM
ajis02-2809	261	21	)	)	PUNCT
ajis02-2809	261	22	.	.	PUNCT
ajis02-2809	262	1	hence	hence	ADV
ajis02-2809	262	2	,	,	PUNCT
ajis02-2809	262	3	the	the	DET
ajis02-2809	262	4	multi	multi	ADJ
ajis02-2809	262	5	-	-	ADJ
ajis02-2809	262	6	functional	functional	ADJ
ajis02-2809	262	7	aspect	aspect	NOUN
ajis02-2809	262	8	of	of	ADP
ajis02-2809	262	9	a	a	DET
ajis02-2809	262	10	gamified	gamifie	VERB
ajis02-2809	262	11	mobile	mobile	ADJ
ajis02-2809	262	12	payment	payment	NOUN
ajis02-2809	262	13	platform	platform	NOUN
ajis02-2809	262	14	should	should	AUX
ajis02-2809	262	15	have	have	VERB
ajis02-2809	262	16	the	the	DET
ajis02-2809	262	17	top	top	ADJ
ajis02-2809	262	18	priority	priority	NOUN
ajis02-2809	262	19	for	for	ADP
ajis02-2809	262	20	performance	performance	NOUN
ajis02-2809	262	21	improvement	improvement	NOUN
ajis02-2809	262	22	among	among	ADP
ajis02-2809	262	23	the	the	DET
ajis02-2809	262	24	non	non	ADJ
ajis02-2809	262	25	-	-	ADJ
ajis02-2809	262	26	interested	interested	ADJ
ajis02-2809	262	27	users	user	NOUN
ajis02-2809	262	28	.	.	PUNCT
ajis02-2809	263	1	australasian	australasian	ADJ
ajis02-2809	263	2	journal	journal	NOUN
ajis02-2809	263	3	of	of	ADP
ajis02-2809	263	4	information	information	NOUN
ajis02-2809	263	5	systems	systems	PROPN
ajis02-2809	263	6	lai	lai	PROPN
ajis02-2809	263	7	&	&	CCONJ
ajis02-2809	263	8	liew	liew	PROPN
ajis02-2809	263	9	2021	2021	NUM
ajis02-2809	263	10	,	,	PUNCT
ajis02-2809	263	11	vol	vol	NOUN
ajis02-2809	263	12	25	25	NUM
ajis02-2809	263	13	,	,	PUNCT
ajis02-2809	263	14	research	research	NOUN
ajis02-2809	263	15	article	article	NOUN
ajis02-2809	263	16	towards	towards	ADP
ajis02-2809	263	17	a	a	DET
ajis02-2809	263	18	cashless	cashless	NOUN
ajis02-2809	263	19	society	society	NOUN
ajis02-2809	263	20	16	16	NUM
ajis02-2809	263	21	7	7	NUM
ajis02-2809	263	22	theoretical	theoretical	ADJ
ajis02-2809	263	23	contributions	contribution	NOUN
ajis02-2809	263	24	the	the	DET
ajis02-2809	263	25	empirical	empirical	ADJ
ajis02-2809	263	26	results	result	NOUN
ajis02-2809	263	27	supported	support	VERB
ajis02-2809	263	28	the	the	DET
ajis02-2809	263	29	hypotheses	hypothesis	NOUN
ajis02-2809	263	30	in	in	ADP
ajis02-2809	263	31	this	this	DET
ajis02-2809	263	32	study	study	NOUN
ajis02-2809	263	33	that	that	SCONJ
ajis02-2809	263	34	users	user	NOUN
ajis02-2809	263	35	’	'	PUNCT
ajis02-2809	263	36	value	value	NOUN
ajis02-2809	263	37	perceptions	perception	NOUN
ajis02-2809	263	38	of	of	ADP
ajis02-2809	263	39	convenience	convenience	NOUN
ajis02-2809	263	40	and	and	CCONJ
ajis02-2809	263	41	security	security	NOUN
ajis02-2809	263	42	positively	positively	ADV
ajis02-2809	263	43	impact	impact	VERB
ajis02-2809	263	44	their	their	PRON
ajis02-2809	263	45	intention	intention	NOUN
ajis02-2809	263	46	to	to	PART
ajis02-2809	263	47	use	use	VERB
ajis02-2809	263	48	a	a	DET
ajis02-2809	263	49	gamified	gamifie	VERB
ajis02-2809	263	50	mobile	mobile	ADJ
ajis02-2809	263	51	payment	payment	NOUN
ajis02-2809	263	52	platform	platform	NOUN
ajis02-2809	263	53	.	.	PUNCT
ajis02-2809	264	1	perceived	perceive	VERB
ajis02-2809	264	2	security	security	NOUN
ajis02-2809	264	3	has	have	VERB
ajis02-2809	264	4	a	a	DET
ajis02-2809	264	5	strong	strong	ADJ
ajis02-2809	264	6	and	and	CCONJ
ajis02-2809	264	7	direct	direct	ADJ
ajis02-2809	264	8	influence	influence	NOUN
ajis02-2809	264	9	on	on	ADP
ajis02-2809	264	10	intention	intention	NOUN
ajis02-2809	264	11	to	to	PART
ajis02-2809	264	12	use	use	VERB
ajis02-2809	264	13	,	,	PUNCT
ajis02-2809	264	14	while	while	SCONJ
ajis02-2809	264	15	perceived	perceive	VERB
ajis02-2809	264	16	convenience	convenience	NOUN
ajis02-2809	264	17	has	have	VERB
ajis02-2809	264	18	a	a	DET
ajis02-2809	264	19	strong	strong	ADJ
ajis02-2809	264	20	but	but	CCONJ
ajis02-2809	264	21	indirect	indirect	ADJ
ajis02-2809	264	22	influence	influence	NOUN
ajis02-2809	264	23	on	on	ADP
ajis02-2809	264	24	intention	intention	NOUN
ajis02-2809	264	25	to	to	PART
ajis02-2809	264	26	use	use	VERB
ajis02-2809	264	27	via	via	ADP
ajis02-2809	264	28	perceived	perceive	VERB
ajis02-2809	264	29	security	security	NOUN
ajis02-2809	264	30	.	.	PUNCT
ajis02-2809	265	1	the	the	DET
ajis02-2809	265	2	direct	direct	ADJ
ajis02-2809	265	3	effect	effect	NOUN
ajis02-2809	265	4	size	size	NOUN
ajis02-2809	265	5	from	from	ADP
ajis02-2809	265	6	perceived	perceive	VERB
ajis02-2809	265	7	convenience	convenience	NOUN
ajis02-2809	265	8	to	to	ADP
ajis02-2809	265	9	intention	intention	NOUN
ajis02-2809	265	10	to	to	PART
ajis02-2809	265	11	use	use	VERB
ajis02-2809	265	12	was	be	AUX
ajis02-2809	265	13	not	not	PART
ajis02-2809	265	14	significant	significant	ADJ
ajis02-2809	265	15	.	.	PUNCT
ajis02-2809	266	1	the	the	DET
ajis02-2809	266	2	results	result	NOUN
ajis02-2809	266	3	shed	shed	VERB
ajis02-2809	266	4	light	light	NOUN
ajis02-2809	266	5	on	on	ADP
ajis02-2809	266	6	the	the	DET
ajis02-2809	266	7	relationship	relationship	NOUN
ajis02-2809	266	8	between	between	ADP
ajis02-2809	266	9	convenience	convenience	NOUN
ajis02-2809	266	10	and	and	CCONJ
ajis02-2809	266	11	security	security	NOUN
ajis02-2809	266	12	and	and	CCONJ
ajis02-2809	266	13	how	how	SCONJ
ajis02-2809	266	14	the	the	DET
ajis02-2809	266	15	strong	strong	ADJ
ajis02-2809	266	16	bond	bond	NOUN
ajis02-2809	266	17	of	of	ADP
ajis02-2809	266	18	this	this	DET
ajis02-2809	266	19	relationship	relationship	NOUN
ajis02-2809	266	20	positively	positively	ADV
ajis02-2809	266	21	impacts	impact	VERB
ajis02-2809	266	22	mobile	mobile	ADJ
ajis02-2809	266	23	payment	payment	NOUN
ajis02-2809	266	24	adoption	adoption	NOUN
ajis02-2809	266	25	.	.	PUNCT
ajis02-2809	267	1	hence	hence	ADV
ajis02-2809	267	2	,	,	PUNCT
ajis02-2809	267	3	platform	platform	NOUN
ajis02-2809	267	4	providers	provider	NOUN
ajis02-2809	267	5	and	and	CCONJ
ajis02-2809	267	6	policymakers	policymaker	NOUN
ajis02-2809	267	7	should	should	AUX
ajis02-2809	267	8	focus	focus	VERB
ajis02-2809	267	9	on	on	ADP
ajis02-2809	267	10	the	the	DET
ajis02-2809	267	11	dual	dual	ADJ
ajis02-2809	267	12	strategy	strategy	NOUN
ajis02-2809	267	13	of	of	ADP
ajis02-2809	267	14	‘	'	PUNCT
ajis02-2809	267	15	ensuring	ensure	VERB
ajis02-2809	267	16	convenience	convenience	NOUN
ajis02-2809	267	17	’	'	PUNCT
ajis02-2809	267	18	and	and	CCONJ
ajis02-2809	267	19	‘	'	PUNCT
ajis02-2809	267	20	assuring	assure	VERB
ajis02-2809	267	21	security	security	NOUN
ajis02-2809	267	22	’	'	PUNCT
ajis02-2809	267	23	to	to	PART
ajis02-2809	267	24	encourage	encourage	VERB
ajis02-2809	267	25	the	the	DET
ajis02-2809	267	26	use	use	NOUN
ajis02-2809	267	27	of	of	ADP
ajis02-2809	267	28	a	a	DET
ajis02-2809	267	29	gamified	gamifie	VERB
ajis02-2809	267	30	mobile	mobile	ADJ
ajis02-2809	267	31	payment	payment	NOUN
ajis02-2809	267	32	platform	platform	NOUN
ajis02-2809	267	33	.	.	PUNCT
ajis02-2809	268	1	the	the	DET
ajis02-2809	268	2	results	result	NOUN
ajis02-2809	268	3	have	have	VERB
ajis02-2809	268	4	implications	implication	NOUN
ajis02-2809	268	5	for	for	ADP
ajis02-2809	268	6	developing	develop	VERB
ajis02-2809	268	7	countries	country	NOUN
ajis02-2809	268	8	that	that	PRON
ajis02-2809	268	9	share	share	VERB
ajis02-2809	268	10	a	a	DET
ajis02-2809	268	11	similar	similar	ADJ
ajis02-2809	268	12	development	development	NOUN
ajis02-2809	268	13	trajectory	trajectory	NOUN
ajis02-2809	268	14	like	like	ADP
ajis02-2809	268	15	malaysia	malaysia	PROPN
ajis02-2809	268	16	.	.	PUNCT
ajis02-2809	269	1	the	the	DET
ajis02-2809	269	2	sample	sample	NOUN
ajis02-2809	269	3	demographic	demographic	ADJ
ajis02-2809	269	4	profile	profile	NOUN
ajis02-2809	269	5	showed	show	VERB
ajis02-2809	269	6	that	that	SCONJ
ajis02-2809	269	7	more	more	ADJ
ajis02-2809	269	8	users	user	NOUN
ajis02-2809	269	9	were	be	AUX
ajis02-2809	269	10	interested	interested	ADJ
ajis02-2809	269	11	(	(	PUNCT
ajis02-2809	269	12	n=254	n=254	NUM
ajis02-2809	269	13	)	)	PUNCT
ajis02-2809	269	14	and	and	CCONJ
ajis02-2809	269	15	in	in	ADP
ajis02-2809	269	16	favor	favor	NOUN
ajis02-2809	269	17	of	of	ADP
ajis02-2809	269	18	using	use	VERB
ajis02-2809	269	19	a	a	DET
ajis02-2809	269	20	gamified	gamifie	VERB
ajis02-2809	269	21	mobile	mobile	ADJ
ajis02-2809	269	22	payment	payment	NOUN
ajis02-2809	269	23	platform	platform	NOUN
ajis02-2809	269	24	than	than	ADP
ajis02-2809	269	25	users	user	NOUN
ajis02-2809	269	26	who	who	PRON
ajis02-2809	269	27	are	be	AUX
ajis02-2809	269	28	neutral	neutral	ADJ
ajis02-2809	269	29	or	or	CCONJ
ajis02-2809	269	30	not	not	PART
ajis02-2809	269	31	interested	interested	ADJ
ajis02-2809	269	32	(	(	PUNCT
ajis02-2809	269	33	n=132	n=132	PROPN
ajis02-2809	269	34	)	)	PUNCT
ajis02-2809	269	35	.	.	PUNCT
ajis02-2809	270	1	when	when	SCONJ
ajis02-2809	270	2	users	user	NOUN
ajis02-2809	270	3	’	’	PART
ajis02-2809	270	4	interests	interest	NOUN
ajis02-2809	270	5	were	be	AUX
ajis02-2809	270	6	analyzed	analyze	VERB
ajis02-2809	270	7	separately	separately	ADV
ajis02-2809	270	8	because	because	SCONJ
ajis02-2809	270	9	a	a	DET
ajis02-2809	270	10	multigroup	multigroup	ADJ
ajis02-2809	270	11	analysis	analysis	NOUN
ajis02-2809	270	12	was	be	AUX
ajis02-2809	270	13	not	not	PART
ajis02-2809	270	14	feasible	feasible	ADJ
ajis02-2809	270	15	,	,	PUNCT
ajis02-2809	270	16	this	this	DET
ajis02-2809	270	17	study	study	NOUN
ajis02-2809	270	18	found	find	VERB
ajis02-2809	270	19	two	two	NUM
ajis02-2809	270	20	different	different	ADJ
ajis02-2809	270	21	results	result	NOUN
ajis02-2809	270	22	.	.	PUNCT
ajis02-2809	271	1	for	for	ADP
ajis02-2809	271	2	all	all	DET
ajis02-2809	271	3	users	user	NOUN
ajis02-2809	271	4	,	,	PUNCT
ajis02-2809	271	5	particularly	particularly	ADV
ajis02-2809	271	6	the	the	DET
ajis02-2809	271	7	interested	interested	ADJ
ajis02-2809	271	8	users	user	NOUN
ajis02-2809	271	9	,	,	PUNCT
ajis02-2809	271	10	the	the	DET
ajis02-2809	271	11	‘	'	PUNCT
ajis02-2809	271	12	reliability	reliability	NOUN
ajis02-2809	271	13	’	'	PUNCT
ajis02-2809	271	14	aspect	aspect	NOUN
ajis02-2809	271	15	of	of	ADP
ajis02-2809	271	16	security	security	NOUN
ajis02-2809	271	17	should	should	AUX
ajis02-2809	271	18	be	be	AUX
ajis02-2809	271	19	prioritized	prioritize	VERB
ajis02-2809	271	20	for	for	ADP
ajis02-2809	271	21	enhancing	enhance	VERB
ajis02-2809	271	22	their	their	PRON
ajis02-2809	271	23	intention	intention	NOUN
ajis02-2809	271	24	to	to	PART
ajis02-2809	271	25	use	use	VERB
ajis02-2809	271	26	a	a	DET
ajis02-2809	271	27	gamified	gamifie	VERB
ajis02-2809	271	28	mobile	mobile	ADJ
ajis02-2809	271	29	payment	payment	NOUN
ajis02-2809	271	30	platform	platform	NOUN
ajis02-2809	271	31	.	.	PUNCT
ajis02-2809	272	1	however	however	ADV
ajis02-2809	272	2	,	,	PUNCT
ajis02-2809	272	3	for	for	ADP
ajis02-2809	272	4	the	the	DET
ajis02-2809	272	5	non	non	ADJ
ajis02-2809	272	6	-	-	ADJ
ajis02-2809	272	7	interested	interested	ADJ
ajis02-2809	272	8	users	user	NOUN
ajis02-2809	272	9	,	,	PUNCT
ajis02-2809	272	10	the	the	DET
ajis02-2809	272	11	‘	'	PUNCT
ajis02-2809	272	12	multifunctional	multifunctional	ADJ
ajis02-2809	272	13	’	'	PUNCT
ajis02-2809	272	14	aspect	aspect	NOUN
ajis02-2809	272	15	of	of	ADP
ajis02-2809	272	16	convenience	convenience	NOUN
ajis02-2809	272	17	should	should	AUX
ajis02-2809	272	18	be	be	AUX
ajis02-2809	272	19	prioritized	prioritize	VERB
ajis02-2809	272	20	for	for	ADP
ajis02-2809	272	21	encouraging	encourage	VERB
ajis02-2809	272	22	their	their	PRON
ajis02-2809	272	23	adoption	adoption	NOUN
ajis02-2809	272	24	intention	intention	NOUN
ajis02-2809	272	25	.	.	PUNCT
ajis02-2809	273	1	the	the	DET
ajis02-2809	273	2	results	result	NOUN
ajis02-2809	273	3	provide	provide	VERB
ajis02-2809	273	4	insights	insight	NOUN
ajis02-2809	273	5	on	on	ADP
ajis02-2809	273	6	developing	develop	VERB
ajis02-2809	273	7	strategies	strategy	NOUN
ajis02-2809	273	8	that	that	PRON
ajis02-2809	273	9	could	could	AUX
ajis02-2809	273	10	ensure	ensure	VERB
ajis02-2809	273	11	the	the	DET
ajis02-2809	273	12	multifunctional	multifunctional	ADJ
ajis02-2809	273	13	design	design	NOUN
ajis02-2809	273	14	of	of	ADP
ajis02-2809	273	15	convenience	convenience	NOUN
ajis02-2809	273	16	to	to	PART
ajis02-2809	273	17	attract	attract	VERB
ajis02-2809	273	18	non	non	ADJ
ajis02-2809	273	19	-	-	ADJ
ajis02-2809	273	20	interested	interested	ADJ
ajis02-2809	273	21	users	user	NOUN
ajis02-2809	273	22	and	and	CCONJ
ajis02-2809	273	23	assure	assure	VERB
ajis02-2809	273	24	the	the	DET
ajis02-2809	273	25	reliability	reliability	NOUN
ajis02-2809	273	26	aspect	aspect	NOUN
ajis02-2809	273	27	of	of	ADP
ajis02-2809	273	28	security	security	NOUN
ajis02-2809	273	29	to	to	PART
ajis02-2809	273	30	retain	retain	VERB
ajis02-2809	273	31	interested	interested	ADJ
ajis02-2809	273	32	users	user	NOUN
ajis02-2809	273	33	.	.	PUNCT
ajis02-2809	274	1	8	8	NUM
ajis02-2809	274	2	practical	practical	ADJ
ajis02-2809	274	3	implications	implication	NOUN
ajis02-2809	274	4	malaysia	malaysia	PROPN
ajis02-2809	274	5	has	have	AUX
ajis02-2809	274	6	witnessed	witness	VERB
ajis02-2809	274	7	increasing	increase	VERB
ajis02-2809	274	8	digital	digital	ADJ
ajis02-2809	274	9	readiness	readiness	NOUN
ajis02-2809	274	10	among	among	ADP
ajis02-2809	274	11	individual	individual	ADJ
ajis02-2809	274	12	and	and	CCONJ
ajis02-2809	274	13	business	business	NOUN
ajis02-2809	274	14	users	user	NOUN
ajis02-2809	274	15	due	due	ADJ
ajis02-2809	274	16	to	to	ADP
ajis02-2809	274	17	various	various	ADJ
ajis02-2809	274	18	technological	technological	ADJ
ajis02-2809	274	19	reforms	reform	NOUN
ajis02-2809	274	20	and	and	CCONJ
ajis02-2809	274	21	initiatives	initiative	NOUN
ajis02-2809	274	22	led	lead	VERB
ajis02-2809	274	23	by	by	ADP
ajis02-2809	274	24	the	the	DET
ajis02-2809	274	25	government	government	NOUN
ajis02-2809	274	26	.	.	PUNCT
ajis02-2809	275	1	in	in	ADP
ajis02-2809	275	2	collaboration	collaboration	NOUN
ajis02-2809	275	3	with	with	ADP
ajis02-2809	275	4	private	private	ADJ
ajis02-2809	275	5	telecommunication	telecommunication	NOUN
ajis02-2809	275	6	companies	company	NOUN
ajis02-2809	275	7	,	,	PUNCT
ajis02-2809	275	8	the	the	DET
ajis02-2809	275	9	malaysian	malaysian	ADJ
ajis02-2809	275	10	government	government	NOUN
ajis02-2809	275	11	has	have	AUX
ajis02-2809	275	12	rigorously	rigorously	ADV
ajis02-2809	275	13	encouraged	encourage	VERB
ajis02-2809	275	14	high	high	ADJ
ajis02-2809	275	15	-	-	PUNCT
ajis02-2809	275	16	speed	speed	NOUN
ajis02-2809	275	17	broadband	broadband	NOUN
ajis02-2809	275	18	and	and	CCONJ
ajis02-2809	275	19	4	4	NUM
ajis02-2809	275	20	g	g	NOUN
ajis02-2809	275	21	mobile	mobile	ADJ
ajis02-2809	275	22	internet	internet	NOUN
ajis02-2809	275	23	in	in	ADP
ajis02-2809	275	24	urban	urban	ADJ
ajis02-2809	275	25	and	and	CCONJ
ajis02-2809	275	26	rural	rural	ADJ
ajis02-2809	275	27	areas	area	NOUN
ajis02-2809	275	28	(	(	PUNCT
ajis02-2809	275	29	economic	economic	ADJ
ajis02-2809	275	30	planning	planning	NOUN
ajis02-2809	275	31	unit	unit	NOUN
ajis02-2809	275	32	,	,	PUNCT
ajis02-2809	275	33	2015	2015	NUM
ajis02-2809	275	34	)	)	PUNCT
ajis02-2809	275	35	.	.	PUNCT
ajis02-2809	276	1	the	the	DET
ajis02-2809	276	2	success	success	NOUN
ajis02-2809	276	3	of	of	ADP
ajis02-2809	276	4	mobile	mobile	ADJ
ajis02-2809	276	5	payment	payment	NOUN
ajis02-2809	276	6	implementation	implementation	NOUN
ajis02-2809	276	7	in	in	ADP
ajis02-2809	276	8	a	a	DET
ajis02-2809	276	9	volatile	volatile	ADJ
ajis02-2809	276	10	and	and	CCONJ
ajis02-2809	276	11	competitive	competitive	ADJ
ajis02-2809	276	12	platform	platform	NOUN
ajis02-2809	276	13	market	market	NOUN
ajis02-2809	276	14	calls	call	VERB
ajis02-2809	276	15	for	for	SCONJ
ajis02-2809	276	16	both	both	DET
ajis02-2809	276	17	demand	demand	NOUN
ajis02-2809	276	18	-	-	PUNCT
ajis02-2809	276	19	side	side	NOUN
ajis02-2809	276	20	and	and	CCONJ
ajis02-2809	276	21	supply	supply	NOUN
ajis02-2809	276	22	-	-	PUNCT
ajis02-2809	276	23	side	side	NOUN
ajis02-2809	276	24	preconditions	precondition	NOUN
ajis02-2809	276	25	to	to	PART
ajis02-2809	276	26	work	work	VERB
ajis02-2809	276	27	in	in	ADP
ajis02-2809	276	28	harmony	harmony	NOUN
ajis02-2809	276	29	.	.	PUNCT
ajis02-2809	277	1	for	for	ADP
ajis02-2809	277	2	individual	individual	ADJ
ajis02-2809	277	3	users	user	NOUN
ajis02-2809	277	4	,	,	PUNCT
ajis02-2809	277	5	their	their	PRON
ajis02-2809	277	6	intention	intention	NOUN
ajis02-2809	277	7	to	to	PART
ajis02-2809	277	8	use	use	VERB
ajis02-2809	277	9	a	a	DET
ajis02-2809	277	10	gamified	gamifie	VERB
ajis02-2809	277	11	mobile	mobile	ADJ
ajis02-2809	277	12	payment	payment	NOUN
ajis02-2809	277	13	platform	platform	NOUN
ajis02-2809	277	14	is	be	AUX
ajis02-2809	277	15	dependent	dependent	ADJ
ajis02-2809	277	16	on	on	ADP
ajis02-2809	277	17	the	the	DET
ajis02-2809	277	18	synergy	synergy	NOUN
ajis02-2809	277	19	between	between	ADP
ajis02-2809	277	20	marketers	marketer	NOUN
ajis02-2809	277	21	’	’	PART
ajis02-2809	277	22	design	design	NOUN
ajis02-2809	277	23	strategies	strategy	NOUN
ajis02-2809	277	24	and	and	CCONJ
ajis02-2809	277	25	the	the	DET
ajis02-2809	277	26	country	country	NOUN
ajis02-2809	277	27	’s	’s	PART
ajis02-2809	277	28	digital	digital	ADJ
ajis02-2809	277	29	infrastructure	infrastructure	NOUN
ajis02-2809	277	30	.	.	PUNCT
ajis02-2809	278	1	among	among	ADP
ajis02-2809	278	2	the	the	DET
ajis02-2809	278	3	business	business	NOUN
ajis02-2809	278	4	users	user	NOUN
ajis02-2809	278	5	,	,	PUNCT
ajis02-2809	278	6	informal	informal	ADJ
ajis02-2809	278	7	institutions	institution	NOUN
ajis02-2809	278	8	of	of	ADP
ajis02-2809	278	9	co	co	NOUN
ajis02-2809	278	10	-	-	NOUN
ajis02-2809	278	11	investing	investing	NOUN
ajis02-2809	278	12	and	and	CCONJ
ajis02-2809	278	13	networking	networking	NOUN
ajis02-2809	278	14	(	(	PUNCT
ajis02-2809	278	15	e.g.	e.g.	ADV
ajis02-2809	278	16	,	,	PUNCT
ajis02-2809	278	17	business	business	NOUN
ajis02-2809	278	18	angel	angel	NOUN
ajis02-2809	278	19	ecosystem	ecosystem	PROPN
ajis02-2809	278	20	)	)	PUNCT
ajis02-2809	278	21	are	be	AUX
ajis02-2809	278	22	supporting	support	VERB
ajis02-2809	278	23	investors	investor	NOUN
ajis02-2809	278	24	and	and	CCONJ
ajis02-2809	278	25	small	small	ADJ
ajis02-2809	278	26	-	-	PUNCT
ajis02-2809	278	27	medium	medium	NOUN
ajis02-2809	278	28	enterprises	enterprise	NOUN
ajis02-2809	278	29	(	(	PUNCT
ajis02-2809	278	30	smes	sme	NOUN
ajis02-2809	278	31	)	)	PUNCT
ajis02-2809	278	32	to	to	PART
ajis02-2809	278	33	contend	contend	VERB
ajis02-2809	278	34	with	with	ADP
ajis02-2809	278	35	political	political	ADJ
ajis02-2809	278	36	,	,	PUNCT
ajis02-2809	278	37	legal	legal	ADJ
ajis02-2809	278	38	,	,	PUNCT
ajis02-2809	278	39	and	and	CCONJ
ajis02-2809	278	40	financial	financial	ADJ
ajis02-2809	278	41	challenges	challenge	NOUN
ajis02-2809	278	42	in	in	ADP
ajis02-2809	278	43	malaysia	malaysia	PROPN
ajis02-2809	278	44	(	(	PUNCT
ajis02-2809	278	45	harrison	harrison	PROPN
ajis02-2809	278	46	,	,	PUNCT
ajis02-2809	278	47	scheela	scheela	PROPN
ajis02-2809	278	48	,	,	PUNCT
ajis02-2809	278	49	lai	lai	PROPN
ajis02-2809	278	50	,	,	PUNCT
ajis02-2809	278	51	&	&	CCONJ
ajis02-2809	278	52	vivekarajah	vivekarajah	PROPN
ajis02-2809	278	53	,	,	PUNCT
ajis02-2809	278	54	2018	2018	NUM
ajis02-2809	278	55	)	)	PUNCT
ajis02-2809	278	56	.	.	PUNCT
ajis02-2809	279	1	our	our	PRON
ajis02-2809	279	2	gamified	gamifie	VERB
ajis02-2809	279	3	mobile	mobile	ADJ
ajis02-2809	279	4	payment	payment	NOUN
ajis02-2809	279	5	platform	platform	NOUN
ajis02-2809	279	6	has	have	AUX
ajis02-2809	279	7	proven	prove	VERB
ajis02-2809	279	8	to	to	PART
ajis02-2809	279	9	be	be	AUX
ajis02-2809	279	10	a	a	DET
ajis02-2809	279	11	step	step	NOUN
ajis02-2809	279	12	forward	forward	ADV
ajis02-2809	279	13	towards	towards	ADP
ajis02-2809	279	14	providing	provide	VERB
ajis02-2809	279	15	empirical	empirical	ADJ
ajis02-2809	279	16	support	support	NOUN
ajis02-2809	279	17	to	to	ADP
ajis02-2809	279	18	the	the	DET
ajis02-2809	279	19	conceptualization	conceptualization	NOUN
ajis02-2809	279	20	of	of	ADP
ajis02-2809	279	21	blockchain	blockchain	PROPN
ajis02-2809	279	22	-	-	PUNCT
ajis02-2809	279	23	based	base	VERB
ajis02-2809	279	24	cryptocurrency	cryptocurrency	NOUN
ajis02-2809	279	25	and	and	CCONJ
ajis02-2809	279	26	mobile	mobile	ADJ
ajis02-2809	279	27	payment	payment	NOUN
ajis02-2809	279	28	.	.	PUNCT
ajis02-2809	280	1	xu	xu	PROPN
ajis02-2809	280	2	and	and	CCONJ
ajis02-2809	280	3	colleagues	colleague	NOUN
ajis02-2809	280	4	(	(	PUNCT
ajis02-2809	280	5	2020	2020	NUM
ajis02-2809	280	6	)	)	PUNCT
ajis02-2809	280	7	considered	consider	VERB
ajis02-2809	280	8	this	this	DET
ajis02-2809	280	9	combination	combination	NOUN
ajis02-2809	280	10	as	as	ADP
ajis02-2809	280	11	attractive	attractive	ADJ
ajis02-2809	280	12	in	in	ADP
ajis02-2809	280	13	developing	develop	VERB
ajis02-2809	280	14	countries	country	NOUN
ajis02-2809	280	15	that	that	PRON
ajis02-2809	280	16	have	have	VERB
ajis02-2809	280	17	barriers	barrier	NOUN
ajis02-2809	280	18	to	to	ADP
ajis02-2809	280	19	digital	digital	ADJ
ajis02-2809	280	20	adoption	adoption	NOUN
ajis02-2809	280	21	in	in	ADP
ajis02-2809	280	22	general	general	ADJ
ajis02-2809	280	23	.	.	PUNCT
ajis02-2809	281	1	additionally	additionally	ADV
ajis02-2809	281	2	,	,	PUNCT
ajis02-2809	281	3	incorporating	incorporate	VERB
ajis02-2809	281	4	gamification	gamification	NOUN
ajis02-2809	281	5	as	as	ADP
ajis02-2809	281	6	a	a	DET
ajis02-2809	281	7	design	design	NOUN
ajis02-2809	281	8	element	element	NOUN
ajis02-2809	281	9	in	in	ADP
ajis02-2809	281	10	our	our	PRON
ajis02-2809	281	11	platform	platform	NOUN
ajis02-2809	281	12	has	have	AUX
ajis02-2809	281	13	positively	positively	ADV
ajis02-2809	281	14	fostered	foster	VERB
ajis02-2809	281	15	user	user	NOUN
ajis02-2809	281	16	engagement	engagement	NOUN
ajis02-2809	281	17	for	for	ADP
ajis02-2809	281	18	using	use	VERB
ajis02-2809	281	19	cryptocurrency	cryptocurrency	NOUN
ajis02-2809	281	20	mobile	mobile	ADJ
ajis02-2809	281	21	payment	payment	NOUN
ajis02-2809	281	22	services	service	NOUN
ajis02-2809	281	23	in	in	ADP
ajis02-2809	281	24	malaysia	malaysia	PROPN
ajis02-2809	281	25	.	.	PUNCT
ajis02-2809	282	1	our	our	PRON
ajis02-2809	282	2	study	study	NOUN
ajis02-2809	282	3	provides	provide	VERB
ajis02-2809	282	4	empirical	empirical	ADJ
ajis02-2809	282	5	evidence	evidence	NOUN
ajis02-2809	282	6	that	that	PRON
ajis02-2809	282	7	encourage	encourage	VERB
ajis02-2809	282	8	the	the	DET
ajis02-2809	282	9	usage	usage	NOUN
ajis02-2809	282	10	of	of	ADP
ajis02-2809	282	11	a	a	DET
ajis02-2809	282	12	gamified	gamifie	VERB
ajis02-2809	282	13	mobile	mobile	ADJ
ajis02-2809	282	14	payment	payment	NOUN
ajis02-2809	282	15	platform	platform	NOUN
ajis02-2809	282	16	in	in	ADP
ajis02-2809	282	17	a	a	DET
ajis02-2809	282	18	developing	develop	VERB
ajis02-2809	282	19	country	country	NOUN
ajis02-2809	282	20	(	(	PUNCT
ajis02-2809	282	21	putri	putri	PROPN
ajis02-2809	282	22	et	et	PROPN
ajis02-2809	282	23	al	al	PROPN
ajis02-2809	282	24	.	.	PROPN
ajis02-2809	282	25	,	,	PUNCT
ajis02-2809	282	26	2019	2019	NUM
ajis02-2809	282	27	)	)	PUNCT
ajis02-2809	282	28	and	and	CCONJ
ajis02-2809	282	29	mitigate	mitigate	VERB
ajis02-2809	282	30	some	some	DET
ajis02-2809	282	31	human	human	NOUN
ajis02-2809	282	32	-	-	PUNCT
ajis02-2809	282	33	related	relate	VERB
ajis02-2809	282	34	concerns	concern	NOUN
ajis02-2809	282	35	in	in	ADP
ajis02-2809	282	36	the	the	DET
ajis02-2809	282	37	emerging	emerge	VERB
ajis02-2809	282	38	decentralized	decentralize	VERB
ajis02-2809	282	39	blockchain	blockchain	PROPN
ajis02-2809	282	40	ecosystem	ecosystem	PROPN
ajis02-2809	282	41	(	(	PUNCT
ajis02-2809	282	42	parizi	parizi	NOUN
ajis02-2809	282	43	&	&	CCONJ
ajis02-2809	282	44	dehghantanha	dehghantanha	NOUN
ajis02-2809	282	45	,	,	PUNCT
ajis02-2809	282	46	2018	2018	NUM
ajis02-2809	282	47	)	)	PUNCT
ajis02-2809	282	48	.	.	PUNCT
ajis02-2809	283	1	australasian	australasian	ADJ
ajis02-2809	283	2	journal	journal	NOUN
ajis02-2809	283	3	of	of	ADP
ajis02-2809	283	4	information	information	NOUN
ajis02-2809	283	5	systems	systems	PROPN
ajis02-2809	283	6	lai	lai	PROPN
ajis02-2809	283	7	&	&	CCONJ
ajis02-2809	283	8	liew	liew	PROPN
ajis02-2809	283	9	2021	2021	NUM
ajis02-2809	283	10	,	,	PUNCT
ajis02-2809	283	11	vol	vol	NOUN
ajis02-2809	283	12	25	25	NUM
ajis02-2809	283	13	,	,	PUNCT
ajis02-2809	283	14	research	research	NOUN
ajis02-2809	283	15	article	article	NOUN
ajis02-2809	283	16	towards	towards	ADP
ajis02-2809	283	17	a	a	DET
ajis02-2809	283	18	cashless	cashless	NOUN
ajis02-2809	283	19	society	society	NOUN
ajis02-2809	283	20	17	17	NUM
ajis02-2809	283	21	in	in	ADP
ajis02-2809	283	22	ensuring	ensure	VERB
ajis02-2809	283	23	the	the	DET
ajis02-2809	283	24	multi	multi	ADJ
ajis02-2809	283	25	-	-	ADJ
ajis02-2809	283	26	functional	functional	ADJ
ajis02-2809	283	27	aspect	aspect	NOUN
ajis02-2809	283	28	of	of	ADP
ajis02-2809	283	29	convenience	convenience	NOUN
ajis02-2809	283	30	,	,	PUNCT
ajis02-2809	283	31	various	various	ADJ
ajis02-2809	283	32	gamification	gamification	NOUN
ajis02-2809	283	33	activities	activity	NOUN
ajis02-2809	283	34	or	or	CCONJ
ajis02-2809	283	35	reward	reward	VERB
ajis02-2809	283	36	programs	program	NOUN
ajis02-2809	283	37	by	by	ADP
ajis02-2809	283	38	the	the	DET
ajis02-2809	283	39	participating	participate	VERB
ajis02-2809	283	40	stores	store	NOUN
ajis02-2809	283	41	can	can	AUX
ajis02-2809	283	42	be	be	AUX
ajis02-2809	283	43	designed	design	VERB
ajis02-2809	283	44	into	into	ADP
ajis02-2809	283	45	the	the	DET
ajis02-2809	283	46	app	app	NOUN
ajis02-2809	283	47	architecture	architecture	NOUN
ajis02-2809	283	48	for	for	ADP
ajis02-2809	283	49	user	user	NOUN
ajis02-2809	283	50	perusal	perusal	NOUN
ajis02-2809	283	51	.	.	PUNCT
ajis02-2809	284	1	users	user	NOUN
ajis02-2809	284	2	could	could	AUX
ajis02-2809	284	3	earn	earn	VERB
ajis02-2809	284	4	loyalty	loyalty	NOUN
ajis02-2809	284	5	points	point	NOUN
ajis02-2809	284	6	from	from	ADP
ajis02-2809	284	7	a	a	DET
ajis02-2809	284	8	series	series	NOUN
ajis02-2809	284	9	of	of	ADP
ajis02-2809	284	10	e	e	NOUN
ajis02-2809	284	11	-	-	NOUN
ajis02-2809	284	12	stamp	stamp	ADJ
ajis02-2809	284	13	collection	collection	NOUN
ajis02-2809	284	14	,	,	PUNCT
ajis02-2809	284	15	converting	convert	VERB
ajis02-2809	284	16	the	the	DET
ajis02-2809	284	17	points	point	NOUN
ajis02-2809	284	18	earned	earn	VERB
ajis02-2809	284	19	into	into	ADP
ajis02-2809	284	20	monetary	monetary	ADJ
ajis02-2809	284	21	tokens	token	NOUN
ajis02-2809	284	22	of	of	ADP
ajis02-2809	284	23	real	real	ADJ
ajis02-2809	284	24	currency	currency	NOUN
ajis02-2809	284	25	to	to	PART
ajis02-2809	284	26	pay	pay	VERB
ajis02-2809	284	27	for	for	ADP
ajis02-2809	284	28	transactions	transaction	NOUN
ajis02-2809	284	29	in	in	ADP
ajis02-2809	284	30	a	a	DET
ajis02-2809	284	31	single	single	ADJ
ajis02-2809	284	32	gamified	gamifie	VERB
ajis02-2809	284	33	mobile	mobile	ADJ
ajis02-2809	284	34	payment	payment	NOUN
ajis02-2809	284	35	platform	platform	NOUN
ajis02-2809	284	36	.	.	PUNCT
ajis02-2809	285	1	furthermore	furthermore	ADV
ajis02-2809	285	2	,	,	PUNCT
ajis02-2809	285	3	users	user	NOUN
ajis02-2809	285	4	could	could	AUX
ajis02-2809	285	5	also	also	ADV
ajis02-2809	285	6	top	top	VERB
ajis02-2809	285	7	up	up	ADP
ajis02-2809	285	8	monetary	monetary	ADJ
ajis02-2809	285	9	tokens	token	NOUN
ajis02-2809	285	10	through	through	ADP
ajis02-2809	285	11	online	online	ADJ
ajis02-2809	285	12	banking	banking	NOUN
ajis02-2809	285	13	,	,	PUNCT
ajis02-2809	285	14	internet	internet	NOUN
ajis02-2809	285	15	payment	payment	NOUN
ajis02-2809	285	16	(	(	PUNCT
ajis02-2809	285	17	e.g.	e.g.	ADV
ajis02-2809	285	18	,	,	PUNCT
ajis02-2809	285	19	debit	debit	NOUN
ajis02-2809	285	20	card	card	NOUN
ajis02-2809	285	21	,	,	PUNCT
ajis02-2809	285	22	credit	credit	NOUN
ajis02-2809	285	23	card	card	NOUN
ajis02-2809	285	24	,	,	PUNCT
ajis02-2809	285	25	paypal	paypal	NOUN
ajis02-2809	285	26	)	)	PUNCT
ajis02-2809	285	27	,	,	PUNCT
ajis02-2809	285	28	and	and	CCONJ
ajis02-2809	285	29	mobile	mobile	ADJ
ajis02-2809	285	30	payment	payment	NOUN
ajis02-2809	285	31	.	.	PUNCT
ajis02-2809	286	1	in	in	ADP
ajis02-2809	286	2	malaysia	malaysia	PROPN
ajis02-2809	286	3	,	,	PUNCT
ajis02-2809	286	4	boost	boost	AUX
ajis02-2809	286	5	introduced	introduce	VERB
ajis02-2809	286	6	a	a	DET
ajis02-2809	286	7	rewarding	rewarding	ADJ
ajis02-2809	286	8	cashless	cashless	NOUN
ajis02-2809	286	9	experience	experience	NOUN
ajis02-2809	286	10	through	through	ADP
ajis02-2809	286	11	various	various	ADJ
ajis02-2809	286	12	features	feature	NOUN
ajis02-2809	286	13	like	like	ADP
ajis02-2809	286	14	boostup	boostup	NOUN
ajis02-2809	286	15	‘	'	PUNCT
ajis02-2809	286	16	shake	shake	VERB
ajis02-2809	286	17	’	'	PUNCT
ajis02-2809	286	18	rewards	reward	NOUN
ajis02-2809	286	19	,	,	PUNCT
ajis02-2809	286	20	cashup	cashup	NOUN
ajis02-2809	286	21	cashback	cashback	NOUN
ajis02-2809	286	22	savings	saving	NOUN
ajis02-2809	286	23	,	,	PUNCT
ajis02-2809	286	24	qr	qr	VERB
ajis02-2809	286	25	payment	payment	NOUN
ajis02-2809	286	26	services	service	NOUN
ajis02-2809	286	27	for	for	ADP
ajis02-2809	286	28	users	user	NOUN
ajis02-2809	286	29	to	to	PART
ajis02-2809	286	30	earn	earn	VERB
ajis02-2809	286	31	ecoins	ecoin	NOUN
ajis02-2809	286	32	or	or	CCONJ
ajis02-2809	286	33	‘	'	PUNCT
ajis02-2809	286	34	shake	shake	VERB
ajis02-2809	286	35	’	'	PUNCT
ajis02-2809	286	36	for	for	ADP
ajis02-2809	286	37	cashbacks	cashback	NOUN
ajis02-2809	286	38	and	and	CCONJ
ajis02-2809	286	39	rewards	reward	NOUN
ajis02-2809	286	40	(	(	PUNCT
ajis02-2809	286	41	boost	boost	NOUN
ajis02-2809	286	42	,	,	PUNCT
ajis02-2809	286	43	2019	2019	NUM
ajis02-2809	286	44	)	)	PUNCT
ajis02-2809	286	45	.	.	PUNCT
ajis02-2809	287	1	the	the	DET
ajis02-2809	287	2	rapid	rapid	ADJ
ajis02-2809	287	3	advancement	advancement	NOUN
ajis02-2809	287	4	of	of	ADP
ajis02-2809	287	5	affordable	affordable	ADJ
ajis02-2809	287	6	smartphones	smartphone	NOUN
ajis02-2809	287	7	and	and	CCONJ
ajis02-2809	287	8	5	5	NUM
ajis02-2809	287	9	g	g	NOUN
ajis02-2809	287	10	technology	technology	NOUN
ajis02-2809	287	11	could	could	AUX
ajis02-2809	287	12	accelerate	accelerate	VERB
ajis02-2809	287	13	the	the	DET
ajis02-2809	287	14	multi	multi	ADJ
ajis02-2809	287	15	-	-	ADJ
ajis02-2809	287	16	functional	functional	ADJ
ajis02-2809	287	17	,	,	PUNCT
ajis02-2809	287	18	multichannel	multichannel	ADJ
ajis02-2809	287	19	financial	financial	ADJ
ajis02-2809	287	20	services	service	NOUN
ajis02-2809	287	21	delivery	delivery	NOUN
ajis02-2809	287	22	(	(	PUNCT
ajis02-2809	287	23	kumar	kumar	PROPN
ajis02-2809	287	24	et	et	PROPN
ajis02-2809	287	25	al	al	PROPN
ajis02-2809	287	26	.	.	PROPN
ajis02-2809	287	27	,	,	PUNCT
ajis02-2809	287	28	2020	2020	NUM
ajis02-2809	287	29	)	)	PUNCT
ajis02-2809	287	30	in	in	ADP
ajis02-2809	287	31	a	a	DET
ajis02-2809	287	32	single	single	ADJ
ajis02-2809	287	33	platform	platform	NOUN
ajis02-2809	287	34	.	.	PUNCT
ajis02-2809	288	1	in	in	ADP
ajis02-2809	288	2	assuring	assure	VERB
ajis02-2809	288	3	the	the	DET
ajis02-2809	288	4	reliability	reliability	NOUN
ajis02-2809	288	5	aspect	aspect	NOUN
ajis02-2809	288	6	of	of	ADP
ajis02-2809	288	7	security	security	NOUN
ajis02-2809	288	8	,	,	PUNCT
ajis02-2809	288	9	features	feature	VERB
ajis02-2809	288	10	like	like	ADP
ajis02-2809	288	11	the	the	DET
ajis02-2809	288	12	pin	pin	NOUN
ajis02-2809	288	13	,	,	PUNCT
ajis02-2809	288	14	picture	picture	NOUN
ajis02-2809	288	15	,	,	PUNCT
ajis02-2809	288	16	one	one	NUM
ajis02-2809	288	17	-	-	PUNCT
ajis02-2809	288	18	time	time	NOUN
ajis02-2809	288	19	password	password	NOUN
ajis02-2809	288	20	(	(	PUNCT
ajis02-2809	288	21	otp	otp	NOUN
ajis02-2809	288	22	)	)	PUNCT
ajis02-2809	288	23	,	,	PUNCT
ajis02-2809	288	24	finger	finger	NOUN
ajis02-2809	288	25	,	,	PUNCT
ajis02-2809	288	26	or	or	CCONJ
ajis02-2809	288	27	facial	facial	ADJ
ajis02-2809	288	28	recognition	recognition	NOUN
ajis02-2809	288	29	can	can	AUX
ajis02-2809	288	30	be	be	AUX
ajis02-2809	288	31	designed	design	VERB
ajis02-2809	288	32	onto	onto	ADP
ajis02-2809	288	33	the	the	DET
ajis02-2809	288	34	app	app	NOUN
ajis02-2809	288	35	architecture	architecture	NOUN
ajis02-2809	288	36	for	for	ADP
ajis02-2809	288	37	user	user	NOUN
ajis02-2809	288	38	authentication	authentication	NOUN
ajis02-2809	288	39	.	.	PUNCT
ajis02-2809	289	1	within	within	ADP
ajis02-2809	289	2	the	the	DET
ajis02-2809	289	3	mobile	mobile	ADJ
ajis02-2809	289	4	payment	payment	NOUN
ajis02-2809	289	5	platform	platform	NOUN
ajis02-2809	289	6	ecosystem	ecosystem	NOUN
ajis02-2809	289	7	,	,	PUNCT
ajis02-2809	289	8	various	various	ADJ
ajis02-2809	289	9	security	security	NOUN
ajis02-2809	289	10	standards	standard	NOUN
ajis02-2809	289	11	and	and	CCONJ
ajis02-2809	289	12	protocols	protocol	NOUN
ajis02-2809	289	13	are	be	AUX
ajis02-2809	289	14	available	available	ADJ
ajis02-2809	289	15	to	to	PART
ajis02-2809	289	16	reduce	reduce	VERB
ajis02-2809	289	17	the	the	DET
ajis02-2809	289	18	associated	associated	ADJ
ajis02-2809	289	19	risks	risk	NOUN
ajis02-2809	289	20	with	with	ADP
ajis02-2809	289	21	blockchain	blockchain	PROPN
ajis02-2809	289	22	technology	technology	PROPN
ajis02-2809	289	23	and	and	CCONJ
ajis02-2809	289	24	mobile	mobile	ADJ
ajis02-2809	289	25	payment	payment	NOUN
ajis02-2809	289	26	(	(	PUNCT
ajis02-2809	289	27	casino	casino	NOUN
ajis02-2809	289	28	et	et	PROPN
ajis02-2809	289	29	al	al	PROPN
ajis02-2809	289	30	.	.	PROPN
ajis02-2809	289	31	,	,	PUNCT
ajis02-2809	289	32	2019	2019	NUM
ajis02-2809	289	33	;	;	PUNCT
ajis02-2809	289	34	lai	lai	PROPN
ajis02-2809	289	35	,	,	PUNCT
ajis02-2809	289	36	2017	2017	NUM
ajis02-2809	289	37	)	)	PUNCT
ajis02-2809	289	38	.	.	PUNCT
ajis02-2809	290	1	they	they	PRON
ajis02-2809	290	2	safeguard	safeguard	VERB
ajis02-2809	290	3	authentication	authentication	NOUN
ajis02-2809	290	4	,	,	PUNCT
ajis02-2809	290	5	encryption	encryption	NOUN
ajis02-2809	290	6	,	,	PUNCT
ajis02-2809	290	7	integrity	integrity	NOUN
ajis02-2809	290	8	,	,	PUNCT
ajis02-2809	290	9	and	and	CCONJ
ajis02-2809	290	10	non	non	ADJ
ajis02-2809	290	11	-	-	NOUN
ajis02-2809	290	12	reputability	reputability	NOUN
ajis02-2809	290	13	within	within	ADP
ajis02-2809	290	14	the	the	DET
ajis02-2809	290	15	blockchain	blockchain	PROPN
ajis02-2809	290	16	ecosystem	ecosystem	PROPN
ajis02-2809	290	17	(	(	PUNCT
ajis02-2809	290	18	casino	casino	NOUN
ajis02-2809	290	19	et	et	PROPN
ajis02-2809	290	20	al	al	PROPN
ajis02-2809	290	21	.	.	PROPN
ajis02-2809	290	22	,	,	PUNCT
ajis02-2809	290	23	2019	2019	NUM
ajis02-2809	290	24	)	)	PUNCT
ajis02-2809	290	25	and	and	CCONJ
ajis02-2809	290	26	have	have	AUX
ajis02-2809	290	27	become	become	VERB
ajis02-2809	290	28	more	more	ADV
ajis02-2809	290	29	common	common	ADJ
ajis02-2809	290	30	across	across	ADP
ajis02-2809	290	31	the	the	DET
ajis02-2809	290	32	mobile	mobile	ADJ
ajis02-2809	290	33	platform	platform	NOUN
ajis02-2809	290	34	industry	industry	NOUN
ajis02-2809	290	35	.	.	PUNCT
ajis02-2809	291	1	in	in	ADP
ajis02-2809	291	2	malaysia	malaysia	PROPN
ajis02-2809	291	3	,	,	PUNCT
ajis02-2809	291	4	local	local	ADJ
ajis02-2809	291	5	regulations	regulation	NOUN
ajis02-2809	291	6	such	such	ADJ
ajis02-2809	291	7	as	as	ADP
ajis02-2809	291	8	the	the	DET
ajis02-2809	291	9	iso	iso	NOUN
ajis02-2809	291	10	27000	27000	NUM
ajis02-2809	291	11	series	series	NOUN
ajis02-2809	291	12	of	of	ADP
ajis02-2809	291	13	standards	standard	NOUN
ajis02-2809	291	14	are	be	AUX
ajis02-2809	291	15	formulated	formulate	VERB
ajis02-2809	291	16	to	to	PART
ajis02-2809	291	17	assure	assure	VERB
ajis02-2809	291	18	information	information	NOUN
ajis02-2809	291	19	security	security	NOUN
ajis02-2809	291	20	.	.	PUNCT
ajis02-2809	292	1	to	to	PART
ajis02-2809	292	2	unlock	unlock	VERB
ajis02-2809	292	3	the	the	DET
ajis02-2809	292	4	full	full	ADJ
ajis02-2809	292	5	features	feature	NOUN
ajis02-2809	292	6	of	of	ADP
ajis02-2809	292	7	any	any	DET
ajis02-2809	292	8	mobile	mobile	ADJ
ajis02-2809	292	9	wallet	wallet	NOUN
ajis02-2809	292	10	platform	platform	NOUN
ajis02-2809	292	11	,	,	PUNCT
ajis02-2809	292	12	malaysian	malaysian	ADJ
ajis02-2809	292	13	users	user	NOUN
ajis02-2809	292	14	must	must	AUX
ajis02-2809	292	15	verify	verify	VERB
ajis02-2809	292	16	their	their	PRON
ajis02-2809	292	17	identity	identity	NOUN
ajis02-2809	292	18	via	via	ADP
ajis02-2809	292	19	electronic	electronic	ADJ
ajis02-2809	292	20	know	know	NOUN
ajis02-2809	292	21	-	-	PUNCT
ajis02-2809	292	22	your	your	PRON
ajis02-2809	292	23	-	-	PUNCT
ajis02-2809	292	24	customer	customer	NOUN
ajis02-2809	292	25	(	(	PUNCT
ajis02-2809	292	26	ekyc	ekyc	NOUN
ajis02-2809	292	27	)	)	PUNCT
ajis02-2809	292	28	verification	verification	NOUN
ajis02-2809	292	29	using	use	VERB
ajis02-2809	292	30	a	a	DET
ajis02-2809	292	31	registered	register	VERB
ajis02-2809	292	32	malaysia	malaysia	PROPN
ajis02-2809	292	33	mobile	mobile	ADJ
ajis02-2809	292	34	number	number	NOUN
ajis02-2809	292	35	,	,	PUNCT
ajis02-2809	292	36	a	a	DET
ajis02-2809	292	37	selfie	selfie	NOUN
ajis02-2809	292	38	photo	photo	NOUN
ajis02-2809	292	39	,	,	PUNCT
ajis02-2809	292	40	and	and	CCONJ
ajis02-2809	292	41	a	a	DET
ajis02-2809	292	42	matching	matching	ADJ
ajis02-2809	292	43	national	national	ADJ
ajis02-2809	292	44	identity	identity	NOUN
ajis02-2809	292	45	card	card	NOUN
ajis02-2809	292	46	or	or	CCONJ
ajis02-2809	292	47	passport	passport	NOUN
ajis02-2809	292	48	(	(	PUNCT
ajis02-2809	292	49	bank	bank	PROPN
ajis02-2809	292	50	negara	negara	PROPN
ajis02-2809	292	51	malaysia	malaysia	PROPN
ajis02-2809	292	52	,	,	PUNCT
ajis02-2809	292	53	2019	2019	NUM
ajis02-2809	292	54	)	)	PUNCT
ajis02-2809	292	55	.	.	PUNCT
ajis02-2809	293	1	platform	platform	NOUN
ajis02-2809	293	2	service	service	NOUN
ajis02-2809	293	3	providers	provider	NOUN
ajis02-2809	293	4	or	or	CCONJ
ajis02-2809	293	5	marketers	marketer	NOUN
ajis02-2809	293	6	should	should	AUX
ajis02-2809	293	7	incorporate	incorporate	VERB
ajis02-2809	293	8	security	security	NOUN
ajis02-2809	293	9	compliance	compliance	NOUN
ajis02-2809	293	10	into	into	ADP
ajis02-2809	293	11	the	the	DET
ajis02-2809	293	12	software	software	NOUN
ajis02-2809	293	13	architecture	architecture	NOUN
ajis02-2809	293	14	and	and	CCONJ
ajis02-2809	293	15	design	design	NOUN
ajis02-2809	293	16	of	of	ADP
ajis02-2809	293	17	a	a	DET
ajis02-2809	293	18	gamified	gamifie	VERB
ajis02-2809	293	19	mobile	mobile	ADJ
ajis02-2809	293	20	payment	payment	NOUN
ajis02-2809	293	21	platform	platform	NOUN
ajis02-2809	293	22	to	to	PART
ajis02-2809	293	23	meet	meet	VERB
ajis02-2809	293	24	the	the	DET
ajis02-2809	293	25	standard	standard	ADJ
ajis02-2809	293	26	national	national	ADJ
ajis02-2809	293	27	security	security	NOUN
ajis02-2809	293	28	and	and	CCONJ
ajis02-2809	293	29	data	datum	NOUN
ajis02-2809	293	30	protection	protection	NOUN
ajis02-2809	293	31	regulation	regulation	NOUN
ajis02-2809	293	32	even	even	ADV
ajis02-2809	293	33	in	in	ADP
ajis02-2809	293	34	the	the	DET
ajis02-2809	293	35	non	non	ADJ
ajis02-2809	293	36	-	-	ADJ
ajis02-2809	293	37	banking	banking	ADJ
ajis02-2809	293	38	service	service	NOUN
ajis02-2809	293	39	industry	industry	NOUN
ajis02-2809	293	40	.	.	PUNCT
ajis02-2809	294	1	understanding	understand	VERB
ajis02-2809	294	2	users	user	NOUN
ajis02-2809	294	3	’	'	PUNCT
ajis02-2809	294	4	value	value	NOUN
ajis02-2809	294	5	perceptions	perception	NOUN
ajis02-2809	294	6	over	over	ADP
ajis02-2809	294	7	the	the	DET
ajis02-2809	294	8	platform	platform	NOUN
ajis02-2809	294	9	’s	’s	PART
ajis02-2809	294	10	design	design	NOUN
ajis02-2809	294	11	and	and	CCONJ
ajis02-2809	294	12	security	security	NOUN
ajis02-2809	294	13	concerns	concern	NOUN
ajis02-2809	294	14	is	be	AUX
ajis02-2809	294	15	a	a	DET
ajis02-2809	294	16	step	step	NOUN
ajis02-2809	294	17	towards	towards	ADP
ajis02-2809	294	18	mitigating	mitigate	VERB
ajis02-2809	294	19	a	a	DET
ajis02-2809	294	20	common	common	ADJ
ajis02-2809	294	21	misperception	misperception	NOUN
ajis02-2809	294	22	that	that	SCONJ
ajis02-2809	294	23	users	user	NOUN
ajis02-2809	294	24	would	would	AUX
ajis02-2809	294	25	naturally	naturally	ADV
ajis02-2809	294	26	switch	switch	VERB
ajis02-2809	294	27	to	to	ADP
ajis02-2809	294	28	any	any	DET
ajis02-2809	294	29	new	new	ADJ
ajis02-2809	294	30	mobile	mobile	ADJ
ajis02-2809	294	31	payment	payment	NOUN
ajis02-2809	294	32	option	option	NOUN
ajis02-2809	294	33	in	in	ADP
ajis02-2809	294	34	the	the	DET
ajis02-2809	294	35	market	market	NOUN
ajis02-2809	294	36	(	(	PUNCT
ajis02-2809	294	37	lai	lai	PROPN
ajis02-2809	294	38	&	&	CCONJ
ajis02-2809	294	39	scheela	scheela	PROPN
ajis02-2809	294	40	,	,	PUNCT
ajis02-2809	294	41	2018	2018	NUM
ajis02-2809	294	42	)	)	PUNCT
ajis02-2809	294	43	.	.	PUNCT
ajis02-2809	295	1	moreover	moreover	ADV
ajis02-2809	295	2	,	,	PUNCT
ajis02-2809	295	3	businesses	business	NOUN
ajis02-2809	295	4	need	need	VERB
ajis02-2809	295	5	to	to	PART
ajis02-2809	295	6	strategize	strategize	VERB
ajis02-2809	295	7	engagement	engagement	NOUN
ajis02-2809	295	8	towards	towards	ADP
ajis02-2809	295	9	targeting	target	VERB
ajis02-2809	295	10	the	the	DET
ajis02-2809	295	11	right	right	ADJ
ajis02-2809	295	12	type	type	NOUN
ajis02-2809	295	13	of	of	ADP
ajis02-2809	295	14	users	user	NOUN
ajis02-2809	295	15	by	by	ADP
ajis02-2809	295	16	understanding	understand	VERB
ajis02-2809	295	17	user	user	NOUN
ajis02-2809	295	18	interests	interest	NOUN
ajis02-2809	295	19	under	under	ADP
ajis02-2809	295	20	their	their	PRON
ajis02-2809	295	21	perception	perception	NOUN
ajis02-2809	295	22	of	of	ADP
ajis02-2809	295	23	adopting	adopt	VERB
ajis02-2809	295	24	and	and	CCONJ
ajis02-2809	295	25	using	use	VERB
ajis02-2809	295	26	a	a	DET
ajis02-2809	295	27	gamified	gamifie	VERB
ajis02-2809	295	28	mobile	mobile	ADJ
ajis02-2809	295	29	payment	payment	NOUN
ajis02-2809	295	30	platform	platform	NOUN
ajis02-2809	295	31	.	.	PUNCT
ajis02-2809	296	1	9	9	NUM
ajis02-2809	296	2	conclusion	conclusion	NOUN
ajis02-2809	296	3	,	,	PUNCT
ajis02-2809	296	4	limitations	limitation	NOUN
ajis02-2809	296	5	,	,	PUNCT
ajis02-2809	296	6	and	and	CCONJ
ajis02-2809	296	7	future	future	ADJ
ajis02-2809	296	8	directions	direction	NOUN
ajis02-2809	296	9	this	this	DET
ajis02-2809	296	10	study	study	NOUN
ajis02-2809	296	11	contributes	contribute	VERB
ajis02-2809	296	12	to	to	ADP
ajis02-2809	296	13	the	the	DET
ajis02-2809	296	14	literature	literature	NOUN
ajis02-2809	296	15	by	by	ADP
ajis02-2809	296	16	explicitly	explicitly	ADV
ajis02-2809	296	17	examining	examine	VERB
ajis02-2809	296	18	the	the	DET
ajis02-2809	296	19	relationship	relationship	NOUN
ajis02-2809	296	20	between	between	ADP
ajis02-2809	296	21	perceived	perceive	VERB
ajis02-2809	296	22	convenience	convenience	NOUN
ajis02-2809	296	23	and	and	CCONJ
ajis02-2809	296	24	perceived	perceive	VERB
ajis02-2809	296	25	security	security	NOUN
ajis02-2809	296	26	on	on	ADP
ajis02-2809	296	27	users	user	NOUN
ajis02-2809	296	28	’	’	PART
ajis02-2809	296	29	intention	intention	NOUN
ajis02-2809	296	30	to	to	PART
ajis02-2809	296	31	use	use	VERB
ajis02-2809	296	32	a	a	DET
ajis02-2809	296	33	gamified	gamifie	VERB
ajis02-2809	296	34	mobile	mobile	ADJ
ajis02-2809	296	35	payment	payment	NOUN
ajis02-2809	296	36	platform	platform	NOUN
ajis02-2809	296	37	.	.	PUNCT
ajis02-2809	297	1	perceived	perceive	VERB
ajis02-2809	297	2	convenience	convenience	NOUN
ajis02-2809	297	3	had	have	VERB
ajis02-2809	297	4	a	a	DET
ajis02-2809	297	5	strong	strong	ADJ
ajis02-2809	297	6	but	but	CCONJ
ajis02-2809	297	7	indirect	indirect	ADJ
ajis02-2809	297	8	positive	positive	ADJ
ajis02-2809	297	9	effect	effect	NOUN
ajis02-2809	297	10	on	on	ADP
ajis02-2809	297	11	intention	intention	NOUN
ajis02-2809	297	12	to	to	PART
ajis02-2809	297	13	use	use	VERB
ajis02-2809	297	14	,	,	PUNCT
ajis02-2809	297	15	while	while	SCONJ
ajis02-2809	297	16	perceived	perceive	VERB
ajis02-2809	297	17	security	security	NOUN
ajis02-2809	297	18	had	have	VERB
ajis02-2809	297	19	a	a	DET
ajis02-2809	297	20	strong	strong	ADJ
ajis02-2809	297	21	and	and	CCONJ
ajis02-2809	297	22	direct	direct	ADJ
ajis02-2809	297	23	positive	positive	ADJ
ajis02-2809	297	24	effect	effect	NOUN
ajis02-2809	297	25	on	on	ADP
ajis02-2809	297	26	intention	intention	NOUN
ajis02-2809	297	27	to	to	PART
ajis02-2809	297	28	use	use	VERB
ajis02-2809	297	29	.	.	PUNCT
ajis02-2809	298	1	perceived	perceive	VERB
ajis02-2809	298	2	security	security	NOUN
ajis02-2809	298	3	mediates	mediate	VERB
ajis02-2809	298	4	the	the	DET
ajis02-2809	298	5	relationship	relationship	NOUN
ajis02-2809	298	6	between	between	ADP
ajis02-2809	298	7	perceived	perceive	VERB
ajis02-2809	298	8	convenience	convenience	NOUN
ajis02-2809	298	9	and	and	CCONJ
ajis02-2809	298	10	intention	intention	NOUN
ajis02-2809	298	11	to	to	PART
ajis02-2809	298	12	use	use	VERB
ajis02-2809	298	13	.	.	PUNCT
ajis02-2809	299	1	the	the	DET
ajis02-2809	299	2	study	study	NOUN
ajis02-2809	299	3	also	also	ADV
ajis02-2809	299	4	contextualizes	contextualize	VERB
ajis02-2809	299	5	the	the	DET
ajis02-2809	299	6	empirical	empirical	ADJ
ajis02-2809	299	7	model	model	NOUN
ajis02-2809	299	8	to	to	ADP
ajis02-2809	299	9	malaysia	malaysia	PROPN
ajis02-2809	299	10	,	,	PUNCT
ajis02-2809	299	11	among	among	ADP
ajis02-2809	299	12	developing	develop	VERB
ajis02-2809	299	13	countries	country	NOUN
ajis02-2809	299	14	that	that	PRON
ajis02-2809	299	15	have	have	AUX
ajis02-2809	299	16	witnessed	witness	VERB
ajis02-2809	299	17	a	a	DET
ajis02-2809	299	18	rapid	rapid	ADJ
ajis02-2809	299	19	proliferation	proliferation	NOUN
ajis02-2809	299	20	of	of	ADP
ajis02-2809	299	21	digital	digital	ADJ
ajis02-2809	299	22	growth	growth	NOUN
ajis02-2809	299	23	but	but	CCONJ
ajis02-2809	299	24	are	be	AUX
ajis02-2809	299	25	vulnerable	vulnerable	ADJ
ajis02-2809	299	26	to	to	ADP
ajis02-2809	299	27	idiosyncratic	idiosyncratic	ADJ
ajis02-2809	299	28	risk	risk	NOUN
ajis02-2809	299	29	and	and	CCONJ
ajis02-2809	299	30	volatility	volatility	NOUN
ajis02-2809	299	31	underlying	underlie	VERB
ajis02-2809	299	32	the	the	DET
ajis02-2809	299	33	different	different	ADJ
ajis02-2809	299	34	stages	stage	NOUN
ajis02-2809	299	35	of	of	ADP
ajis02-2809	299	36	technological	technological	ADJ
ajis02-2809	299	37	advancement	advancement	NOUN
ajis02-2809	299	38	.	.	PUNCT
ajis02-2809	300	1	two	two	NUM
ajis02-2809	300	2	different	different	ADJ
ajis02-2809	300	3	results	result	NOUN
ajis02-2809	300	4	were	be	AUX
ajis02-2809	300	5	found	find	VERB
ajis02-2809	300	6	when	when	SCONJ
ajis02-2809	300	7	examining	examine	VERB
ajis02-2809	300	8	the	the	DET
ajis02-2809	300	9	empirical	empirical	ADJ
ajis02-2809	300	10	model	model	NOUN
ajis02-2809	300	11	by	by	ADP
ajis02-2809	300	12	the	the	DET
ajis02-2809	300	13	types	type	NOUN
ajis02-2809	300	14	of	of	ADP
ajis02-2809	300	15	users	user	NOUN
ajis02-2809	300	16	.	.	PUNCT
ajis02-2809	301	1	interested	interested	ADJ
ajis02-2809	301	2	users	user	NOUN
ajis02-2809	301	3	and	and	CCONJ
ajis02-2809	301	4	the	the	DET
ajis02-2809	301	5	general	general	ADJ
ajis02-2809	301	6	public	public	NOUN
ajis02-2809	301	7	were	be	AUX
ajis02-2809	301	8	more	more	ADV
ajis02-2809	301	9	concerned	concerned	ADJ
ajis02-2809	301	10	about	about	ADP
ajis02-2809	301	11	the	the	DET
ajis02-2809	301	12	reliability	reliability	NOUN
ajis02-2809	301	13	aspect	aspect	NOUN
ajis02-2809	301	14	of	of	ADP
ajis02-2809	301	15	security	security	NOUN
ajis02-2809	301	16	,	,	PUNCT
ajis02-2809	301	17	whereas	whereas	SCONJ
ajis02-2809	301	18	non	non	ADJ
ajis02-2809	301	19	-	-	ADJ
ajis02-2809	301	20	interested	interested	ADJ
ajis02-2809	301	21	users	user	NOUN
ajis02-2809	301	22	were	be	AUX
ajis02-2809	301	23	more	more	ADV
ajis02-2809	301	24	concerned	concerned	ADJ
ajis02-2809	301	25	about	about	ADP
ajis02-2809	301	26	the	the	DET
ajis02-2809	301	27	multi	multi	ADJ
ajis02-2809	301	28	-	-	ADJ
ajis02-2809	301	29	functional	functional	ADJ
ajis02-2809	301	30	aspect	aspect	NOUN
ajis02-2809	301	31	of	of	ADP
ajis02-2809	301	32	convenience	convenience	NOUN
ajis02-2809	301	33	.	.	PUNCT
ajis02-2809	302	1	the	the	DET
ajis02-2809	302	2	empirical	empirical	ADJ
ajis02-2809	302	3	results	result	NOUN
ajis02-2809	302	4	showed	show	VERB
ajis02-2809	302	5	that	that	SCONJ
ajis02-2809	302	6	the	the	DET
ajis02-2809	302	7	dual	dual	ADJ
ajis02-2809	302	8	strategy	strategy	NOUN
ajis02-2809	302	9	of	of	ADP
ajis02-2809	302	10	‘	'	PUNCT
ajis02-2809	302	11	ensuring	ensure	VERB
ajis02-2809	302	12	convenience	convenience	NOUN
ajis02-2809	302	13	’	'	PUNCT
ajis02-2809	302	14	and	and	CCONJ
ajis02-2809	302	15	‘	'	PUNCT
ajis02-2809	302	16	assuring	assure	VERB
ajis02-2809	302	17	security	security	NOUN
ajis02-2809	302	18	’	'	PUNCT
ajis02-2809	302	19	could	could	AUX
ajis02-2809	302	20	encourage	encourage	VERB
ajis02-2809	302	21	mobile	mobile	ADJ
ajis02-2809	302	22	payment	payment	NOUN
ajis02-2809	302	23	platform	platform	NOUN
ajis02-2809	302	24	adoption	adoption	NOUN
ajis02-2809	302	25	in	in	ADP
ajis02-2809	302	26	malaysia	malaysia	PROPN
ajis02-2809	302	27	.	.	PUNCT
ajis02-2809	303	1	australasian	australasian	ADJ
ajis02-2809	303	2	journal	journal	NOUN
ajis02-2809	303	3	of	of	ADP
ajis02-2809	303	4	information	information	NOUN
ajis02-2809	303	5	systems	systems	PROPN
ajis02-2809	303	6	lai	lai	PROPN
ajis02-2809	303	7	&	&	CCONJ
ajis02-2809	303	8	liew	liew	PROPN
ajis02-2809	303	9	2021	2021	NUM
ajis02-2809	303	10	,	,	PUNCT
ajis02-2809	303	11	vol	vol	NOUN
ajis02-2809	303	12	25	25	NUM
ajis02-2809	303	13	,	,	PUNCT
ajis02-2809	303	14	research	research	NOUN
ajis02-2809	303	15	article	article	NOUN
ajis02-2809	303	16	towards	towards	ADP
ajis02-2809	303	17	a	a	DET
ajis02-2809	303	18	cashless	cashless	NOUN
ajis02-2809	303	19	society	society	NOUN
ajis02-2809	303	20	18	18	NUM
ajis02-2809	303	21	therefore	therefore	ADV
ajis02-2809	303	22	,	,	PUNCT
ajis02-2809	303	23	businesses	business	NOUN
ajis02-2809	303	24	and	and	CCONJ
ajis02-2809	303	25	platform	platform	NOUN
ajis02-2809	303	26	service	service	NOUN
ajis02-2809	303	27	providers	provider	NOUN
ajis02-2809	303	28	should	should	AUX
ajis02-2809	303	29	take	take	VERB
ajis02-2809	303	30	appropriate	appropriate	ADJ
ajis02-2809	303	31	measures	measure	NOUN
ajis02-2809	303	32	in	in	ADP
ajis02-2809	303	33	designing	design	VERB
ajis02-2809	303	34	the	the	DET
ajis02-2809	303	35	reliability	reliability	NOUN
ajis02-2809	303	36	and	and	CCONJ
ajis02-2809	303	37	multi	multi	ADJ
ajis02-2809	303	38	-	-	ADJ
ajis02-2809	303	39	functional	functional	ADJ
ajis02-2809	303	40	aspects	aspect	NOUN
ajis02-2809	303	41	of	of	ADP
ajis02-2809	303	42	a	a	DET
ajis02-2809	303	43	gamified	gamifie	VERB
ajis02-2809	303	44	mobile	mobile	ADJ
ajis02-2809	303	45	payment	payment	NOUN
ajis02-2809	303	46	platform	platform	NOUN
ajis02-2809	303	47	.	.	PUNCT
ajis02-2809	304	1	this	this	DET
ajis02-2809	304	2	study	study	NOUN
ajis02-2809	304	3	is	be	AUX
ajis02-2809	304	4	not	not	PART
ajis02-2809	304	5	without	without	ADP
ajis02-2809	304	6	limitations	limitation	NOUN
ajis02-2809	304	7	.	.	PUNCT
ajis02-2809	305	1	one	one	NUM
ajis02-2809	305	2	major	major	ADJ
ajis02-2809	305	3	limitation	limitation	NOUN
ajis02-2809	305	4	was	be	AUX
ajis02-2809	305	5	that	that	SCONJ
ajis02-2809	305	6	the	the	DET
ajis02-2809	305	7	survey	survey	NOUN
ajis02-2809	305	8	targeted	target	VERB
ajis02-2809	305	9	users	user	NOUN
ajis02-2809	305	10	who	who	PRON
ajis02-2809	305	11	were	be	AUX
ajis02-2809	305	12	assumed	assume	VERB
ajis02-2809	305	13	to	to	PART
ajis02-2809	305	14	have	have	VERB
ajis02-2809	305	15	internet	internet	NOUN
ajis02-2809	305	16	or	or	CCONJ
ajis02-2809	305	17	mobile	mobile	ADJ
ajis02-2809	305	18	data	datum	NOUN
ajis02-2809	305	19	access	access	NOUN
ajis02-2809	305	20	with	with	ADP
ajis02-2809	305	21	at	at	ADV
ajis02-2809	305	22	least	least	ADV
ajis02-2809	305	23	one	one	NUM
ajis02-2809	305	24	-	-	PUNCT
ajis02-2809	305	25	year	year	NOUN
ajis02-2809	305	26	self	self	NOUN
ajis02-2809	305	27	-	-	PUNCT
ajis02-2809	305	28	reported	report	VERB
ajis02-2809	305	29	experience	experience	NOUN
ajis02-2809	305	30	using	use	VERB
ajis02-2809	305	31	a	a	DET
ajis02-2809	305	32	gamified	gamifie	VERB
ajis02-2809	305	33	mobile	mobile	ADJ
ajis02-2809	305	34	payment	payment	NOUN
ajis02-2809	305	35	platform	platform	NOUN
ajis02-2809	305	36	.	.	PUNCT
ajis02-2809	306	1	based	base	VERB
ajis02-2809	306	2	on	on	ADP
ajis02-2809	306	3	the	the	DET
ajis02-2809	306	4	sample	sample	NOUN
ajis02-2809	306	5	collected	collect	VERB
ajis02-2809	306	6	from	from	ADP
ajis02-2809	306	7	an	an	DET
ajis02-2809	306	8	urban	urban	ADJ
ajis02-2809	306	9	region	region	NOUN
ajis02-2809	306	10	of	of	ADP
ajis02-2809	306	11	malaysia	malaysia	PROPN
ajis02-2809	306	12	,	,	PUNCT
ajis02-2809	306	13	this	this	DET
ajis02-2809	306	14	study	study	NOUN
ajis02-2809	306	15	may	may	AUX
ajis02-2809	306	16	not	not	PART
ajis02-2809	306	17	be	be	AUX
ajis02-2809	306	18	generalized	generalize	VERB
ajis02-2809	306	19	to	to	ADP
ajis02-2809	306	20	other	other	ADJ
ajis02-2809	306	21	parts	part	NOUN
ajis02-2809	306	22	of	of	ADP
ajis02-2809	306	23	the	the	DET
ajis02-2809	306	24	country	country	NOUN
ajis02-2809	306	25	.	.	PUNCT
ajis02-2809	307	1	moreover	moreover	ADV
ajis02-2809	307	2	,	,	PUNCT
ajis02-2809	307	3	as	as	SCONJ
ajis02-2809	307	4	users	user	NOUN
ajis02-2809	307	5	gain	gain	VERB
ajis02-2809	307	6	experience	experience	NOUN
ajis02-2809	307	7	and	and	CCONJ
ajis02-2809	307	8	move	move	VERB
ajis02-2809	307	9	to	to	ADP
ajis02-2809	307	10	more	more	ADV
ajis02-2809	307	11	advanced	advanced	ADJ
ajis02-2809	307	12	mobile	mobile	ADJ
ajis02-2809	307	13	payment	payment	NOUN
ajis02-2809	307	14	platforms	platform	NOUN
ajis02-2809	307	15	,	,	PUNCT
ajis02-2809	307	16	the	the	DET
ajis02-2809	307	17	empirical	empirical	ADJ
ajis02-2809	307	18	results	result	NOUN
ajis02-2809	307	19	based	base	VERB
ajis02-2809	307	20	on	on	ADP
ajis02-2809	307	21	cross	cross	ADJ
ajis02-2809	307	22	-	-	ADJ
ajis02-2809	307	23	sectional	sectional	ADJ
ajis02-2809	307	24	data	datum	NOUN
ajis02-2809	307	25	may	may	AUX
ajis02-2809	307	26	no	no	ADV
ajis02-2809	307	27	longer	long	ADV
ajis02-2809	307	28	apply	apply	VERB
ajis02-2809	307	29	at	at	ADP
ajis02-2809	307	30	a	a	DET
ajis02-2809	307	31	later	later	ADJ
ajis02-2809	307	32	point	point	NOUN
ajis02-2809	307	33	in	in	ADP
ajis02-2809	307	34	time	time	NOUN
ajis02-2809	307	35	.	.	PUNCT
ajis02-2809	308	1	future	future	ADJ
ajis02-2809	308	2	studies	study	NOUN
ajis02-2809	308	3	should	should	AUX
ajis02-2809	308	4	consider	consider	VERB
ajis02-2809	308	5	including	include	VERB
ajis02-2809	308	6	non	non	ADJ
ajis02-2809	308	7	-	-	ADJ
ajis02-2809	308	8	internet	internet	ADJ
ajis02-2809	308	9	or	or	CCONJ
ajis02-2809	308	10	non	non	ADJ
ajis02-2809	308	11	-	-	ADJ
ajis02-2809	308	12	mobile	mobile	ADJ
ajis02-2809	308	13	users	user	NOUN
ajis02-2809	308	14	in	in	ADP
ajis02-2809	308	15	the	the	DET
ajis02-2809	308	16	sample	sample	NOUN
ajis02-2809	308	17	using	use	VERB
ajis02-2809	308	18	a	a	DET
ajis02-2809	308	19	probabilistic	probabilistic	ADJ
ajis02-2809	308	20	sampling	sampling	NOUN
ajis02-2809	308	21	method	method	NOUN
ajis02-2809	308	22	for	for	ADP
ajis02-2809	308	23	better	well	ADJ
ajis02-2809	308	24	sample	sample	NOUN
ajis02-2809	308	25	representation	representation	NOUN
ajis02-2809	308	26	in	in	ADP
ajis02-2809	308	27	malaysia	malaysia	PROPN
ajis02-2809	308	28	.	.	PUNCT
ajis02-2809	309	1	a	a	DET
ajis02-2809	309	2	longitudinal	longitudinal	ADJ
ajis02-2809	309	3	study	study	NOUN
ajis02-2809	309	4	would	would	AUX
ajis02-2809	309	5	also	also	ADV
ajis02-2809	309	6	be	be	AUX
ajis02-2809	309	7	useful	useful	ADJ
ajis02-2809	309	8	to	to	PART
ajis02-2809	309	9	track	track	VERB
ajis02-2809	309	10	changes	change	NOUN
ajis02-2809	309	11	in	in	ADP
ajis02-2809	309	12	user	user	NOUN
ajis02-2809	309	13	perception	perception	NOUN
ajis02-2809	309	14	over	over	ADP
ajis02-2809	309	15	time	time	NOUN
ajis02-2809	309	16	.	.	PUNCT
ajis02-2809	310	1	acknowledgments	acknowledgment	NOUN
ajis02-2809	310	2	special	special	ADJ
ajis02-2809	310	3	thanks	thank	NOUN
ajis02-2809	310	4	to	to	ADP
ajis02-2809	310	5	collaborators	collaborator	NOUN
ajis02-2809	310	6	at	at	ADP
ajis02-2809	310	7	blockchain	blockchain	PROPN
ajis02-2809	310	8	japan	japan	PROPN
ajis02-2809	310	9	,	,	PUNCT
ajis02-2809	310	10	blockchain	blockchain	PROPN
ajis02-2809	310	11	investors	investors	PROPN
ajis02-2809	310	12	,	,	PUNCT
ajis02-2809	310	13	globalclas	globalcla	NOUN
ajis02-2809	310	14	technology	technology	NOUN
ajis02-2809	310	15	,	,	PUNCT
ajis02-2809	310	16	and	and	CCONJ
ajis02-2809	310	17	monash	monash	PROPN
ajis02-2809	310	18	global	global	PROPN
ajis02-2809	310	19	asia	asia	PROPN
ajis02-2809	310	20	in	in	ADP
ajis02-2809	310	21	the	the	DET
ajis02-2809	310	22	21st	21st	ADJ
ajis02-2809	310	23	century	century	NOUN
ajis02-2809	310	24	(	(	PUNCT
ajis02-2809	310	25	ga21	ga21	PROPN
ajis02-2809	310	26	)	)	PUNCT
ajis02-2809	310	27	multidisciplinary	multidisciplinary	ADJ
ajis02-2809	310	28	platform	platform	NOUN
ajis02-2809	310	29	.	.	PUNCT
ajis02-2809	311	1	both	both	DET
ajis02-2809	311	2	authors	author	NOUN
ajis02-2809	311	3	contributed	contribute	VERB
ajis02-2809	311	4	equally	equally	ADV
ajis02-2809	311	5	to	to	ADP
ajis02-2809	311	6	this	this	DET
ajis02-2809	311	7	work	work	NOUN
ajis02-2809	311	8	.	.	PUNCT
ajis02-2809	312	1	references	reference	NOUN
ajis02-2809	312	2	alhakami	alhakami	PROPN
ajis02-2809	312	3	,	,	PUNCT
ajis02-2809	312	4	a.	a.	PROPN
ajis02-2809	312	5	s.	s.	PROPN
ajis02-2809	312	6	,	,	PUNCT
ajis02-2809	312	7	&	&	CCONJ
ajis02-2809	312	8	slovic	slovic	PROPN
ajis02-2809	312	9	,	,	PUNCT
ajis02-2809	312	10	p.	p.	NOUN
ajis02-2809	312	11	(	(	PUNCT
ajis02-2809	312	12	1994	1994	NUM
ajis02-2809	312	13	)	)	PUNCT
ajis02-2809	312	14	.	.	PUNCT
ajis02-2809	313	1	a	a	DET
ajis02-2809	313	2	psychological	psychological	ADJ
ajis02-2809	313	3	study	study	NOUN
ajis02-2809	313	4	of	of	ADP
ajis02-2809	313	5	the	the	DET
ajis02-2809	313	6	inverse	inverse	NOUN
ajis02-2809	313	7	relationship	relationship	NOUN
ajis02-2809	313	8	between	between	ADP
ajis02-2809	313	9	perceived	perceive	VERB
ajis02-2809	313	10	risk	risk	NOUN
ajis02-2809	313	11	and	and	CCONJ
ajis02-2809	313	12	perceived	perceive	VERB
ajis02-2809	313	13	benefit	benefit	NOUN
ajis02-2809	313	14	.	.	PUNCT
ajis02-2809	314	1	risk	risk	NOUN
ajis02-2809	314	2	analysis	analysis	NOUN
ajis02-2809	314	3	,	,	PUNCT
ajis02-2809	314	4	14(6	14(6	NOUN
ajis02-2809	314	5	)	)	PUNCT
ajis02-2809	314	6	,	,	PUNCT
ajis02-2809	314	7	1085–1096	1085–1096	NUM
ajis02-2809	314	8	.	.	PUNCT
ajis02-2809	315	1	https://doi.org/10.1111/j.1539-6924.1994.tb00080.x	https://doi.org/10.1111/j.1539-6924.1994.tb00080.x	PROPN
ajis02-2809	315	2	alhassan	alhassan	PROPN
ajis02-2809	315	3	,	,	PUNCT
ajis02-2809	315	4	a.	a.	PROPN
ajis02-2809	315	5	,	,	PUNCT
ajis02-2809	315	6	li	li	PROPN
ajis02-2809	315	7	,	,	PUNCT
ajis02-2809	315	8	l.	l.	PROPN
ajis02-2809	315	9	,	,	PUNCT
ajis02-2809	315	10	reddy	reddy	PROPN
ajis02-2809	315	11	,	,	PUNCT
ajis02-2809	315	12	k.	k.	PROPN
ajis02-2809	315	13	,	,	PUNCT
ajis02-2809	315	14	&	&	CCONJ
ajis02-2809	315	15	duppati	duppati	PROPN
ajis02-2809	315	16	,	,	PUNCT
ajis02-2809	315	17	g.	g.	PROPN
ajis02-2809	315	18	(	(	PUNCT
ajis02-2809	315	19	2020	2020	NUM
ajis02-2809	315	20	)	)	PUNCT
ajis02-2809	315	21	.	.	PUNCT
ajis02-2809	316	1	consumer	consumer	NOUN
ajis02-2809	316	2	acceptance	acceptance	NOUN
ajis02-2809	316	3	and	and	CCONJ
ajis02-2809	316	4	continuance	continuance	NOUN
ajis02-2809	316	5	of	of	ADP
ajis02-2809	316	6	mobile	mobile	ADJ
ajis02-2809	316	7	money	money	NOUN
ajis02-2809	316	8	:	:	PUNCT
ajis02-2809	316	9	secondary	secondary	ADJ
ajis02-2809	316	10	data	data	NOUN
ajis02-2809	316	11	insights	insight	NOUN
ajis02-2809	316	12	from	from	ADP
ajis02-2809	316	13	africa	africa	PROPN
ajis02-2809	316	14	using	use	VERB
ajis02-2809	316	15	the	the	DET
ajis02-2809	316	16	technology	technology	NOUN
ajis02-2809	316	17	acceptance	acceptance	NOUN
ajis02-2809	316	18	model	model	NOUN
ajis02-2809	316	19	.	.	PUNCT
ajis02-2809	317	1	australasian	australasian	ADJ
ajis02-2809	317	2	journal	journal	NOUN
ajis02-2809	317	3	of	of	ADP
ajis02-2809	317	4	information	information	NOUN
ajis02-2809	317	5	systems	system	NOUN
ajis02-2809	317	6	,	,	PUNCT
ajis02-2809	317	7	24	24	NUM
ajis02-2809	317	8	.	.	PUNCT
ajis02-2809	317	9	https://doi.org/10.3127/ajis.v24i0.2579	https://doi.org/10.3127/ajis.v24i0.2579	X
ajis02-2809	317	10	alsawaier	alsawaier	PROPN
ajis02-2809	317	11	,	,	PUNCT
ajis02-2809	317	12	r.	r.	PROPN
ajis02-2809	317	13	(	(	PUNCT
ajis02-2809	317	14	2018	2018	NUM
ajis02-2809	317	15	)	)	PUNCT
ajis02-2809	317	16	.	.	PUNCT
ajis02-2809	318	1	the	the	DET
ajis02-2809	318	2	effect	effect	NOUN
ajis02-2809	318	3	of	of	ADP
ajis02-2809	318	4	gamification	gamification	NOUN
ajis02-2809	318	5	on	on	ADP
ajis02-2809	318	6	motivation	motivation	NOUN
ajis02-2809	318	7	and	and	CCONJ
ajis02-2809	318	8	engagement	engagement	NOUN
ajis02-2809	318	9	.	.	PUNCT
ajis02-2809	319	1	international	international	ADJ
ajis02-2809	319	2	journal	journal	PROPN
ajis02-2809	319	3	of	of	ADP
ajis02-2809	319	4	information	information	NOUN
ajis02-2809	319	5	and	and	CCONJ
ajis02-2809	319	6	learning	learn	VERB
ajis02-2809	319	7	technology	technology	NOUN
ajis02-2809	319	8	,	,	PUNCT
ajis02-2809	319	9	35(1	35(1	NUM
ajis02-2809	319	10	)	)	PUNCT
ajis02-2809	319	11	,	,	PUNCT
ajis02-2809	319	12	56–79	56–79	ADV
ajis02-2809	319	13	.	.	PUNCT
ajis02-2809	320	1	retrieved	retrieve	VERB
ajis02-2809	320	2	from	from	ADP
ajis02-2809	320	3	https://doi.org/10.1108/ijilt-02-2017-0009	https://doi.org/10.1108/ijilt-02-2017-0009	NOUN
ajis02-2809	320	4	auer	auer	NOUN
ajis02-2809	320	5	,	,	PUNCT
ajis02-2809	320	6	r.	r.	PROPN
ajis02-2809	320	7	,	,	PUNCT
ajis02-2809	320	8	cornelli	cornelli	PROPN
ajis02-2809	320	9	,	,	PUNCT
ajis02-2809	320	10	g.	g.	PROPN
ajis02-2809	320	11	,	,	PUNCT
ajis02-2809	320	12	&	&	CCONJ
ajis02-2809	320	13	frost	frost	NOUN
ajis02-2809	320	14	,	,	PUNCT
ajis02-2809	320	15	j.	j.	PROPN
ajis02-2809	320	16	(	(	PUNCT
ajis02-2809	320	17	2020	2020	NUM
ajis02-2809	320	18	)	)	PUNCT
ajis02-2809	320	19	.	.	PUNCT
ajis02-2809	321	1	covid-19	covid-19	PROPN
ajis02-2809	321	2	,	,	PUNCT
ajis02-2809	321	3	cash	cash	NOUN
ajis02-2809	321	4	,	,	PUNCT
ajis02-2809	321	5	and	and	CCONJ
ajis02-2809	321	6	the	the	DET
ajis02-2809	321	7	future	future	NOUN
ajis02-2809	321	8	of	of	ADP
ajis02-2809	321	9	payment	payment	NOUN
ajis02-2809	321	10	.	.	PUNCT
ajis02-2809	322	1	retrieved	retrieve	VERB
ajis02-2809	322	2	from	from	ADP
ajis02-2809	322	3	https://www.bis.org/publ/bisbull03.pdf	https://www.bis.org/publ/bisbull03.pdf	ADJ
ajis02-2809	322	4	bank	bank	PROPN
ajis02-2809	322	5	negara	negara	PROPN
ajis02-2809	322	6	malaysia	malaysia	PROPN
ajis02-2809	322	7	.	.	PUNCT
ajis02-2809	323	1	(	(	PUNCT
ajis02-2809	323	2	2019	2019	NUM
ajis02-2809	323	3	)	)	PUNCT
ajis02-2809	323	4	.	.	PUNCT
ajis02-2809	324	1	electronic	electronic	ADJ
ajis02-2809	324	2	know	know	NOUN
ajis02-2809	324	3	-	-	PUNCT
ajis02-2809	324	4	your	your	PRON
ajis02-2809	324	5	-	-	PUNCT
ajis02-2809	324	6	customer	customer	NOUN
ajis02-2809	324	7	(	(	PUNCT
ajis02-2809	324	8	e	e	NOUN
ajis02-2809	324	9	-	-	NOUN
ajis02-2809	324	10	kyc	kyc	ADJ
ajis02-2809	324	11	):	):	PUNCT
ajis02-2809	324	12	exposure	exposure	NOUN
ajis02-2809	324	13	draft	draft	NOUN
ajis02-2809	324	14	.	.	PUNCT
ajis02-2809	325	1	in	in	SCONJ
ajis02-2809	325	2	know	know	VERB
ajis02-2809	325	3	your	your	PRON
ajis02-2809	325	4	customer	customer	NOUN
ajis02-2809	325	5	.	.	PUNCT
ajis02-2809	326	1	retrieved	retrieve	VERB
ajis02-2809	326	2	from	from	ADP
ajis02-2809	326	3	https://knowyourcustomer.com/bank-negaramalaysia-issues-e-kyc-policy/	https://knowyourcustomer.com/bank-negaramalaysia-issues-e-kyc-policy/	PROPN
ajis02-2809	326	4	bank	bank	NOUN
ajis02-2809	326	5	negara	negara	PROPN
ajis02-2809	326	6	malaysia	malaysia	PROPN
ajis02-2809	326	7	.	.	PUNCT
ajis02-2809	327	1	(	(	PUNCT
ajis02-2809	327	2	2020	2020	NUM
ajis02-2809	327	3	)	)	PUNCT
ajis02-2809	327	4	.	.	PUNCT
ajis02-2809	328	1	payment	payment	NOUN
ajis02-2809	328	2	statistics	statistic	NOUN
ajis02-2809	328	3	.	.	PUNCT
ajis02-2809	329	1	retrieved	retrieve	VERB
ajis02-2809	329	2	from	from	ADP
ajis02-2809	329	3	https://www.bnm.gov.my/index.php?ch=ps&pg=ps_stats&lang=en	https://www.bnm.gov.my/index.php?ch=ps&pg=ps_stats&lang=en	PROPN
ajis02-2809	329	4	.	.	PUNCT
ajis02-2809	330	1	berry	berry	VERB
ajis02-2809	330	2	,	,	PUNCT
ajis02-2809	330	3	l.	l.	PROPN
ajis02-2809	330	4	l.	l.	PROPN
ajis02-2809	330	5	,	,	PUNCT
ajis02-2809	330	6	seiders	seider	NOUN
ajis02-2809	330	7	,	,	PUNCT
ajis02-2809	330	8	k.	k.	PROPN
ajis02-2809	330	9	,	,	PUNCT
ajis02-2809	330	10	&	&	CCONJ
ajis02-2809	330	11	grewal	grewal	PROPN
ajis02-2809	330	12	,	,	PUNCT
ajis02-2809	330	13	d.	d.	PROPN
ajis02-2809	330	14	(	(	PUNCT
ajis02-2809	330	15	2002	2002	NUM
ajis02-2809	330	16	)	)	PUNCT
ajis02-2809	330	17	.	.	PUNCT
ajis02-2809	331	1	understanding	understand	VERB
ajis02-2809	331	2	service	service	NOUN
ajis02-2809	331	3	convenience	convenience	NOUN
ajis02-2809	331	4	.	.	PUNCT
ajis02-2809	332	1	journal	journal	NOUN
ajis02-2809	332	2	of	of	ADP
ajis02-2809	332	3	marketing	marketing	NOUN
ajis02-2809	332	4	,	,	PUNCT
ajis02-2809	332	5	66(3	66(3	NOUN
ajis02-2809	332	6	)	)	PUNCT
ajis02-2809	332	7	,	,	PUNCT
ajis02-2809	332	8	1–17	1–17	PROPN
ajis02-2809	332	9	.	.	PUNCT
ajis02-2809	333	1	https://doi.org/10.1509/jmkg.66.3.1.18505	https://doi.org/10.1509/jmkg.66.3.1.18505	NOUN
ajis02-2809	333	2	boksberger	boksberger	NOUN
ajis02-2809	333	3	,	,	PUNCT
ajis02-2809	333	4	p.	p.	PROPN
ajis02-2809	333	5	e.	e.	PROPN
ajis02-2809	333	6	,	,	PUNCT
ajis02-2809	333	7	&	&	CCONJ
ajis02-2809	333	8	melsen	melsen	PROPN
ajis02-2809	333	9	,	,	PUNCT
ajis02-2809	333	10	l.	l.	PROPN
ajis02-2809	333	11	(	(	PUNCT
ajis02-2809	333	12	2011	2011	NUM
ajis02-2809	333	13	,	,	PUNCT
ajis02-2809	333	14	may	may	AUX
ajis02-2809	333	15	)	)	PUNCT
ajis02-2809	333	16	.	.	PUNCT
ajis02-2809	334	1	perceived	perceive	VERB
ajis02-2809	334	2	value	value	NOUN
ajis02-2809	334	3	:	:	PUNCT
ajis02-2809	334	4	a	a	DET
ajis02-2809	334	5	critical	critical	ADJ
ajis02-2809	334	6	examination	examination	NOUN
ajis02-2809	334	7	of	of	ADP
ajis02-2809	334	8	definitions	definition	NOUN
ajis02-2809	334	9	,	,	PUNCT
ajis02-2809	334	10	concepts	concept	NOUN
ajis02-2809	334	11	and	and	CCONJ
ajis02-2809	334	12	measures	measure	NOUN
ajis02-2809	334	13	for	for	ADP
ajis02-2809	334	14	the	the	DET
ajis02-2809	334	15	service	service	NOUN
ajis02-2809	334	16	industry	industry	NOUN
ajis02-2809	334	17	.	.	PUNCT
ajis02-2809	335	1	journal	journal	PROPN
ajis02-2809	335	2	of	of	ADP
ajis02-2809	335	3	services	service	NOUN
ajis02-2809	335	4	marketing	marketing	NOUN
ajis02-2809	335	5	,	,	PUNCT
ajis02-2809	335	6	vol	vol	NOUN
ajis02-2809	335	7	.	.	PROPN
ajis02-2809	335	8	25	25	NUM
ajis02-2809	335	9	,	,	PUNCT
ajis02-2809	335	10	pp	pp	ADJ
ajis02-2809	335	11	.	.	PUNCT
ajis02-2809	336	1	229–240	229–240	NUM
ajis02-2809	336	2	.	.	PUNCT
ajis02-2809	337	1	https://doi.org/10.1108/08876041111129209	https://doi.org/10.1108/08876041111129209	PRON
ajis02-2809	337	2	boost	boost	PROPN
ajis02-2809	337	3	.	.	PUNCT
ajis02-2809	338	1	(	(	PUNCT
ajis02-2809	338	2	2019	2019	NUM
ajis02-2809	338	3	)	)	PUNCT
ajis02-2809	338	4	.	.	PUNCT
ajis02-2809	339	1	boost	boost	NOUN
ajis02-2809	339	2	introduces	introduce	VERB
ajis02-2809	339	3	new	new	ADJ
ajis02-2809	339	4	features	feature	NOUN
ajis02-2809	339	5	for	for	ADP
ajis02-2809	339	6	a	a	DET
ajis02-2809	339	7	more	more	ADV
ajis02-2809	339	8	rewarding	rewarding	ADJ
ajis02-2809	339	9	cashless	cashless	NOUN
ajis02-2809	339	10	experience	experience	NOUN
ajis02-2809	339	11	.	.	PUNCT
ajis02-2809	340	1	retrieved	retrieve	VERB
ajis02-2809	340	2	from	from	ADP
ajis02-2809	340	3	https://www.myboost.com.my/news/boost-introduces-new-featuresfor-a-more-rewarding-cashless-experience/	https://www.myboost.com.my/news/boost-introduces-new-featuresfor-a-more-rewarding-cashless-experience/	NOUN
ajis02-2809	340	4	australasian	australasian	ADJ
ajis02-2809	340	5	journal	journal	NOUN
ajis02-2809	340	6	of	of	ADP
ajis02-2809	340	7	information	information	NOUN
ajis02-2809	340	8	systems	systems	PROPN
ajis02-2809	340	9	lai	lai	PROPN
ajis02-2809	340	10	&	&	CCONJ
ajis02-2809	340	11	liew	liew	PROPN
ajis02-2809	340	12	2021	2021	NUM
ajis02-2809	340	13	,	,	PUNCT
ajis02-2809	340	14	vol	vol	NOUN
ajis02-2809	340	15	25	25	NUM
ajis02-2809	340	16	,	,	PUNCT
ajis02-2809	340	17	research	research	NOUN
ajis02-2809	340	18	article	article	NOUN
ajis02-2809	340	19	towards	towards	ADP
ajis02-2809	340	20	a	a	DET
ajis02-2809	340	21	cashless	cashless	NOUN
ajis02-2809	340	22	society	society	NOUN
ajis02-2809	340	23	19	19	NUM
ajis02-2809	340	24	burmeister	burmeister	NOUN
ajis02-2809	340	25	,	,	PUNCT
ajis02-2809	340	26	o.	o.	PROPN
ajis02-2809	340	27	k.	k.	PROPN
ajis02-2809	340	28	(	(	PUNCT
ajis02-2809	340	29	2015	2015	NUM
ajis02-2809	340	30	)	)	PUNCT
ajis02-2809	340	31	.	.	PUNCT
ajis02-2809	341	1	improving	improve	VERB
ajis02-2809	341	2	professional	professional	ADJ
ajis02-2809	341	3	it	it	PRON
ajis02-2809	341	4	doctorate	doctorate	NOUN
ajis02-2809	341	5	completion	completion	NOUN
ajis02-2809	341	6	rates	rate	NOUN
ajis02-2809	341	7	.	.	PUNCT
ajis02-2809	342	1	australasian	australasian	ADJ
ajis02-2809	342	2	journal	journal	NOUN
ajis02-2809	342	3	of	of	ADP
ajis02-2809	342	4	information	information	NOUN
ajis02-2809	342	5	systems	system	NOUN
ajis02-2809	342	6	,	,	PUNCT
ajis02-2809	342	7	19	19	NUM
ajis02-2809	342	8	,	,	PUNCT
ajis02-2809	342	9	55–70	55–70	NUM
ajis02-2809	342	10	.	.	PUNCT
ajis02-2809	343	1	https://doi.org/10.3127/ajis.v19i0.1073	https://doi.org/10.3127/ajis.v19i0.1073	VERB
ajis02-2809	343	2	cao	cao	PROPN
ajis02-2809	343	3	,	,	PUNCT
ajis02-2809	343	4	c.	c.	PROPN
ajis02-2809	343	5	,	,	PUNCT
ajis02-2809	343	6	&	&	CCONJ
ajis02-2809	343	7	zhu	zhu	PROPN
ajis02-2809	343	8	,	,	PUNCT
ajis02-2809	343	9	x.	x.	NOUN
ajis02-2809	343	10	(	(	PUNCT
ajis02-2809	343	11	2019	2019	NUM
ajis02-2809	343	12	)	)	PUNCT
ajis02-2809	343	13	.	.	PUNCT
ajis02-2809	344	1	strong	strong	ADJ
ajis02-2809	344	2	anonymous	anonymous	ADJ
ajis02-2809	344	3	mobile	mobile	ADJ
ajis02-2809	344	4	payment	payment	NOUN
ajis02-2809	344	5	against	against	ADP
ajis02-2809	344	6	curious	curious	ADJ
ajis02-2809	344	7	third	third	ADJ
ajis02-2809	344	8	-	-	PUNCT
ajis02-2809	344	9	party	party	NOUN
ajis02-2809	344	10	provider	provider	NOUN
ajis02-2809	344	11	.	.	PUNCT
ajis02-2809	345	1	electronic	electronic	ADJ
ajis02-2809	345	2	commerce	commerce	NOUN
ajis02-2809	345	3	research	research	NOUN
ajis02-2809	345	4	,	,	PUNCT
ajis02-2809	345	5	19(3	19(3	NUM
ajis02-2809	345	6	)	)	PUNCT
ajis02-2809	345	7	,	,	PUNCT
ajis02-2809	345	8	501–520	501–520	NUM
ajis02-2809	345	9	.	.	PUNCT
ajis02-2809	346	1	https://doi.org/10.1007/s10660018-9302-2	https://doi.org/10.1007/s10660018-9302-2	PROPN
ajis02-2809	346	2	capgemini	capgemini	PROPN
ajis02-2809	346	3	.	.	PUNCT
ajis02-2809	346	4	(	(	PUNCT
ajis02-2809	346	5	2019	2019	NUM
ajis02-2809	346	6	)	)	PUNCT
ajis02-2809	346	7	.	.	PUNCT
ajis02-2809	347	1	world	world	NOUN
ajis02-2809	347	2	payments	payment	NOUN
ajis02-2809	347	3	report	report	VERB
ajis02-2809	347	4	2019	2019	NUM
ajis02-2809	347	5	.	.	PUNCT
ajis02-2809	348	1	retrieved	retrieve	VERB
ajis02-2809	348	2	from	from	ADP
ajis02-2809	348	3	https://www.capgemini.com/news/world-payments-report-2019/	https://www.capgemini.com/news/world-payments-report-2019/	NOUN
ajis02-2809	348	4	casino	casino	NOUN
ajis02-2809	348	5	,	,	PUNCT
ajis02-2809	348	6	f.	f.	PROPN
ajis02-2809	348	7	,	,	PUNCT
ajis02-2809	348	8	dasaklis	dasaklis	PROPN
ajis02-2809	348	9	,	,	PUNCT
ajis02-2809	348	10	t.	t.	PROPN
ajis02-2809	348	11	k.	k.	PROPN
ajis02-2809	348	12	,	,	PUNCT
ajis02-2809	348	13	&	&	CCONJ
ajis02-2809	348	14	patsakis	patsakis	PROPN
ajis02-2809	348	15	,	,	PUNCT
ajis02-2809	348	16	c.	c.	PROPN
ajis02-2809	348	17	(	(	PUNCT
ajis02-2809	348	18	2019	2019	NUM
ajis02-2809	348	19	,	,	PUNCT
ajis02-2809	348	20	march	march	PROPN
ajis02-2809	348	21	1	1	NUM
ajis02-2809	348	22	)	)	PUNCT
ajis02-2809	348	23	.	.	PUNCT
ajis02-2809	349	1	a	a	DET
ajis02-2809	349	2	systematic	systematic	ADJ
ajis02-2809	349	3	literature	literature	NOUN
ajis02-2809	349	4	review	review	NOUN
ajis02-2809	349	5	of	of	ADP
ajis02-2809	349	6	blockchain	blockchain	PROPN
ajis02-2809	349	7	-	-	PUNCT
ajis02-2809	349	8	based	base	VERB
ajis02-2809	349	9	applications	application	NOUN
ajis02-2809	349	10	:	:	PUNCT
ajis02-2809	349	11	current	current	ADJ
ajis02-2809	349	12	status	status	NOUN
ajis02-2809	349	13	,	,	PUNCT
ajis02-2809	349	14	classification	classification	NOUN
ajis02-2809	349	15	and	and	CCONJ
ajis02-2809	349	16	open	open	ADJ
ajis02-2809	349	17	issues	issue	NOUN
ajis02-2809	349	18	.	.	PUNCT
ajis02-2809	350	1	telematics	telematic	NOUN
ajis02-2809	350	2	and	and	CCONJ
ajis02-2809	350	3	informatics	informatic	NOUN
ajis02-2809	350	4	,	,	PUNCT
ajis02-2809	350	5	vol	vol	NOUN
ajis02-2809	350	6	.	.	PROPN
ajis02-2809	350	7	36	36	NUM
ajis02-2809	350	8	,	,	PUNCT
ajis02-2809	350	9	pp	pp	ADJ
ajis02-2809	350	10	.	.	PUNCT
ajis02-2809	351	1	55–81	55–81	NUM
ajis02-2809	351	2	.	.	PUNCT
ajis02-2809	351	3	https://doi.org/10.1016/j.tele.2018.11.006	https://doi.org/10.1016/j.tele.2018.11.006	PROPN
ajis02-2809	351	4	chang	chang	PROPN
ajis02-2809	351	5	,	,	PUNCT
ajis02-2809	351	6	y.-w	y.-w	PROPN
ajis02-2809	351	7	.	.	PROPN
ajis02-2809	351	8	,	,	PUNCT
ajis02-2809	351	9	&	&	CCONJ
ajis02-2809	351	10	polonsky	polonsky	PROPN
ajis02-2809	351	11	,	,	PUNCT
ajis02-2809	351	12	m.	m.	NOUN
ajis02-2809	351	13	j.	j.	PROPN
ajis02-2809	351	14	(	(	PUNCT
ajis02-2809	351	15	2012	2012	NUM
ajis02-2809	351	16	)	)	PUNCT
ajis02-2809	351	17	.	.	PUNCT
ajis02-2809	352	1	the	the	DET
ajis02-2809	352	2	influence	influence	NOUN
ajis02-2809	352	3	of	of	ADP
ajis02-2809	352	4	multiple	multiple	ADJ
ajis02-2809	352	5	types	type	NOUN
ajis02-2809	352	6	of	of	ADP
ajis02-2809	352	7	service	service	NOUN
ajis02-2809	352	8	convenience	convenience	NOUN
ajis02-2809	352	9	on	on	ADP
ajis02-2809	352	10	behavioral	behavioral	ADJ
ajis02-2809	352	11	intentions	intention	NOUN
ajis02-2809	352	12	:	:	PUNCT
ajis02-2809	352	13	the	the	DET
ajis02-2809	352	14	mediating	mediate	VERB
ajis02-2809	352	15	role	role	NOUN
ajis02-2809	352	16	of	of	ADP
ajis02-2809	352	17	consumer	consumer	NOUN
ajis02-2809	352	18	satisfaction	satisfaction	NOUN
ajis02-2809	352	19	in	in	ADP
ajis02-2809	352	20	a	a	DET
ajis02-2809	352	21	taiwanese	taiwanese	ADJ
ajis02-2809	352	22	leisure	leisure	NOUN
ajis02-2809	352	23	setting	setting	NOUN
ajis02-2809	352	24	.	.	PUNCT
ajis02-2809	353	1	international	international	ADJ
ajis02-2809	353	2	journal	journal	PROPN
ajis02-2809	353	3	of	of	ADP
ajis02-2809	353	4	hospitality	hospitality	PROPN
ajis02-2809	353	5	management	management	NOUN
ajis02-2809	353	6	,	,	PUNCT
ajis02-2809	353	7	31	31	NUM
ajis02-2809	353	8	,	,	PUNCT
ajis02-2809	353	9	107–118	107–118	NUM
ajis02-2809	353	10	.	.	PUNCT
ajis02-2809	354	1	https://doi.org/10.1016/j.ijhm.2011.05.003	https://doi.org/10.1016/j.ijhm.2011.05.003	PROPN
ajis02-2809	354	2	chaudhry	chaudhry	PROPN
ajis02-2809	354	3	,	,	PUNCT
ajis02-2809	354	4	s.	s.	PROPN
ajis02-2809	354	5	a.	a.	PROPN
ajis02-2809	354	6	,	,	PUNCT
ajis02-2809	354	7	farash	farash	NOUN
ajis02-2809	354	8	,	,	PUNCT
ajis02-2809	354	9	m.	m.	NOUN
ajis02-2809	354	10	s.	s.	PROPN
ajis02-2809	354	11	,	,	PUNCT
ajis02-2809	354	12	naqvi	naqvi	NOUN
ajis02-2809	354	13	,	,	PUNCT
ajis02-2809	354	14	h.	h.	PROPN
ajis02-2809	354	15	,	,	PUNCT
ajis02-2809	354	16	&	&	CCONJ
ajis02-2809	354	17	sher	sher	PROPN
ajis02-2809	354	18	,	,	PUNCT
ajis02-2809	354	19	m.	m.	NOUN
ajis02-2809	354	20	(	(	PUNCT
ajis02-2809	354	21	2016	2016	NUM
ajis02-2809	354	22	)	)	PUNCT
ajis02-2809	354	23	.	.	PUNCT
ajis02-2809	355	1	a	a	DET
ajis02-2809	355	2	secure	secure	ADJ
ajis02-2809	355	3	and	and	CCONJ
ajis02-2809	355	4	efficient	efficient	ADJ
ajis02-2809	355	5	authenticated	authenticate	VERB
ajis02-2809	355	6	encryption	encryption	NOUN
ajis02-2809	355	7	for	for	ADP
ajis02-2809	355	8	electronic	electronic	ADJ
ajis02-2809	355	9	payment	payment	NOUN
ajis02-2809	355	10	systems	system	NOUN
ajis02-2809	355	11	using	use	VERB
ajis02-2809	355	12	elliptic	elliptic	ADJ
ajis02-2809	355	13	curve	curve	NOUN
ajis02-2809	355	14	cryptography	cryptography	NOUN
ajis02-2809	355	15	.	.	PUNCT
ajis02-2809	356	1	electronic	electronic	ADJ
ajis02-2809	356	2	commerce	commerce	PROPN
ajis02-2809	356	3	research	research	NOUN
ajis02-2809	356	4	,	,	PUNCT
ajis02-2809	356	5	16(1	16(1	NUM
ajis02-2809	356	6	)	)	PUNCT
ajis02-2809	356	7	,	,	PUNCT
ajis02-2809	356	8	113–139	113–139	NUM
ajis02-2809	356	9	.	.	PUNCT
ajis02-2809	357	1	https://doi.org/10.1007/s10660-015-9192-5	https://doi.org/10.1007/s10660-015-9192-5	NUM
ajis02-2809	357	2	chauhan	chauhan	PROPN
ajis02-2809	357	3	,	,	PUNCT
ajis02-2809	357	4	s.	s.	PROPN
ajis02-2809	357	5	,	,	PUNCT
ajis02-2809	357	6	mukhopadhyay	mukhopadhyay	PROPN
ajis02-2809	357	7	,	,	PUNCT
ajis02-2809	357	8	s.	s.	PROPN
ajis02-2809	357	9	,	,	PUNCT
ajis02-2809	357	10	&	&	CCONJ
ajis02-2809	357	11	jaiswal	jaiswal	PROPN
ajis02-2809	357	12	,	,	PUNCT
ajis02-2809	357	13	m.	m.	NOUN
ajis02-2809	357	14	(	(	PUNCT
ajis02-2809	357	15	2018	2018	NUM
ajis02-2809	357	16	)	)	PUNCT
ajis02-2809	357	17	.	.	PUNCT
ajis02-2809	358	1	the	the	DET
ajis02-2809	358	2	adoption	adoption	NOUN
ajis02-2809	358	3	of	of	ADP
ajis02-2809	358	4	mobile	mobile	ADJ
ajis02-2809	358	5	app	app	NOUN
ajis02-2809	358	6	for	for	ADP
ajis02-2809	358	7	b2c	b2c	NOUN
ajis02-2809	358	8	transaction	transaction	NOUN
ajis02-2809	358	9	in	in	ADP
ajis02-2809	358	10	platform	platform	NOUN
ajis02-2809	358	11	marketplace	marketplace	NOUN
ajis02-2809	358	12	:	:	PUNCT
ajis02-2809	358	13	an	an	DET
ajis02-2809	358	14	empirical	empirical	ADJ
ajis02-2809	358	15	examination	examination	NOUN
ajis02-2809	358	16	of	of	ADP
ajis02-2809	358	17	key	key	ADJ
ajis02-2809	358	18	drivers	driver	NOUN
ajis02-2809	358	19	.	.	PUNCT
ajis02-2809	359	1	journal	journal	PROPN
ajis02-2809	359	2	of	of	ADP
ajis02-2809	359	3	information	information	NOUN
ajis02-2809	359	4	technology	technology	NOUN
ajis02-2809	359	5	case	case	NOUN
ajis02-2809	359	6	and	and	CCONJ
ajis02-2809	359	7	application	application	NOUN
ajis02-2809	359	8	research	research	NOUN
ajis02-2809	359	9	,	,	PUNCT
ajis02-2809	359	10	20(1	20(1	NUM
ajis02-2809	359	11	)	)	PUNCT
ajis02-2809	359	12	,	,	PUNCT
ajis02-2809	359	13	9–22	9–22	PROPN
ajis02-2809	359	14	.	.	PUNCT
ajis02-2809	360	1	https://doi.org/10.1080/15228053.2018.1453338	https://doi.org/10.1080/15228053.2018.1453338	X
ajis02-2809	361	1	chen	chen	PROPN
ajis02-2809	361	2	,	,	PUNCT
ajis02-2809	361	3	j.	j.	PROPN
ajis02-2809	361	4	,	,	PUNCT
ajis02-2809	361	5	zhu	zhu	PROPN
ajis02-2809	361	6	,	,	PUNCT
ajis02-2809	361	7	z.	z.	PROPN
ajis02-2809	361	8	,	,	PUNCT
ajis02-2809	361	9	&	&	CCONJ
ajis02-2809	361	10	xie	xie	PROPN
ajis02-2809	361	11	,	,	PUNCT
ajis02-2809	361	12	h.	h.	PROPN
ajis02-2809	361	13	y.	y.	PROPN
ajis02-2809	361	14	(	(	PUNCT
ajis02-2809	361	15	2004	2004	NUM
ajis02-2809	361	16	)	)	PUNCT
ajis02-2809	361	17	.	.	PUNCT
ajis02-2809	362	1	measuring	measure	VERB
ajis02-2809	362	2	intellectual	intellectual	ADJ
ajis02-2809	362	3	capital	capital	NOUN
ajis02-2809	362	4	:	:	PUNCT
ajis02-2809	362	5	a	a	DET
ajis02-2809	362	6	new	new	ADJ
ajis02-2809	362	7	model	model	NOUN
ajis02-2809	362	8	and	and	CCONJ
ajis02-2809	362	9	empirical	empirical	ADJ
ajis02-2809	362	10	study	study	NOUN
ajis02-2809	362	11	.	.	PUNCT
ajis02-2809	363	1	journal	journal	PROPN
ajis02-2809	363	2	of	of	ADP
ajis02-2809	363	3	intellectual	intellectual	ADJ
ajis02-2809	363	4	capital	capital	NOUN
ajis02-2809	363	5	,	,	PUNCT
ajis02-2809	363	6	5(1	5(1	NUM
ajis02-2809	363	7	)	)	PUNCT
ajis02-2809	363	8	,	,	PUNCT
ajis02-2809	363	9	195–212	195–212	NUM
ajis02-2809	363	10	.	.	PUNCT
ajis02-2809	364	1	https://doi.org/10.1108/	https://doi.org/10.1108/	PROPN
ajis02-2809	364	2	14691930410513003	14691930410513003	NUM
ajis02-2809	364	3	chen	chen	PROPN
ajis02-2809	364	4	,	,	PUNCT
ajis02-2809	364	5	x.	x.	PROPN
ajis02-2809	364	6	,	,	PUNCT
ajis02-2809	364	7	&	&	CCONJ
ajis02-2809	364	8	li	li	PROPN
ajis02-2809	364	9	,	,	PUNCT
ajis02-2809	364	10	s.	s.	PROPN
ajis02-2809	364	11	(	(	PUNCT
ajis02-2809	364	12	2017	2017	NUM
ajis02-2809	364	13	)	)	PUNCT
ajis02-2809	364	14	.	.	PUNCT
ajis02-2809	365	1	understanding	understand	VERB
ajis02-2809	365	2	continuance	continuance	NOUN
ajis02-2809	365	3	intention	intention	NOUN
ajis02-2809	365	4	of	of	ADP
ajis02-2809	365	5	mobile	mobile	ADJ
ajis02-2809	365	6	payment	payment	NOUN
ajis02-2809	365	7	services	service	NOUN
ajis02-2809	365	8	:	:	PUNCT
ajis02-2809	365	9	an	an	DET
ajis02-2809	365	10	empirical	empirical	ADJ
ajis02-2809	365	11	study	study	NOUN
ajis02-2809	365	12	.	.	PUNCT
ajis02-2809	366	1	journal	journal	NOUN
ajis02-2809	366	2	of	of	ADP
ajis02-2809	366	3	computer	computer	NOUN
ajis02-2809	366	4	information	information	NOUN
ajis02-2809	366	5	systems	system	NOUN
ajis02-2809	366	6	,	,	PUNCT
ajis02-2809	366	7	57(4	57(4	NUM
ajis02-2809	366	8	)	)	PUNCT
ajis02-2809	366	9	,	,	PUNCT
ajis02-2809	366	10	287–298	287–298	NUM
ajis02-2809	366	11	.	.	PUNCT
ajis02-2809	367	1	https://doi.org/10.1080/08874417.2016.1180649	https://doi.org/10.1080/08874417.2016.1180649	X
ajis02-2809	367	2	chew	chew	PROPN
ajis02-2809	367	3	,	,	PUNCT
ajis02-2809	367	4	j.	j.	PROPN
ajis02-2809	367	5	(	(	PUNCT
ajis02-2809	367	6	2019	2019	NUM
ajis02-2809	367	7	)	)	PUNCT
ajis02-2809	367	8	.	.	PUNCT
ajis02-2809	368	1	which	which	PRON
ajis02-2809	368	2	e	e	NOUN
ajis02-2809	368	3	-	-	NOUN
ajis02-2809	368	4	wallet	wallet	ADJ
ajis02-2809	368	5	app	app	NOUN
ajis02-2809	368	6	do	do	AUX
ajis02-2809	368	7	malaysians	malaysians	PROPN
ajis02-2809	368	8	use	use	VERB
ajis02-2809	368	9	frequently	frequently	ADV
ajis02-2809	368	10	?	?	PUNCT
ajis02-2809	369	1	retrieved	retrieve	VERB
ajis02-2809	369	2	april	april	PROPN
ajis02-2809	369	3	13	13	NUM
ajis02-2809	369	4	,	,	PUNCT
ajis02-2809	369	5	2020	2020	NUM
ajis02-2809	369	6	,	,	PUNCT
ajis02-2809	369	7	from	from	ADP
ajis02-2809	369	8	iprice	iprice	PROPN
ajis02-2809	369	9	malaysia	malaysia	PROPN
ajis02-2809	369	10	website	website	NOUN
ajis02-2809	369	11	:	:	PUNCT
ajis02-2809	369	12	https://iprice.my/trends/insights/best-ewallet-malaysia/	https://iprice.my/trends/insights/best-ewallet-malaysia/	PROPN
ajis02-2809	369	13	chutikulrungsee	chutikulrungsee	PROPN
ajis02-2809	369	14	,	,	PUNCT
ajis02-2809	369	15	t.	t.	PROPN
ajis02-2809	369	16	t.	t.	PROPN
ajis02-2809	369	17	(	(	PUNCT
ajis02-2809	369	18	2016	2016	NUM
ajis02-2809	369	19	)	)	PUNCT
ajis02-2809	369	20	.	.	PUNCT
ajis02-2809	370	1	post	post	NOUN
ajis02-2809	370	2	publication	publication	NOUN
ajis02-2809	370	3	review	review	NOUN
ajis02-2809	370	4	on	on	ADP
ajis02-2809	370	5	security	security	NOUN
ajis02-2809	370	6	and	and	CCONJ
ajis02-2809	370	7	privacy	privacy	NOUN
ajis02-2809	370	8	concerns	concern	NOUN
ajis02-2809	370	9	for	for	ADP
ajis02-2809	370	10	australian	australian	ADJ
ajis02-2809	370	11	smes	sme	NOUN
ajis02-2809	370	12	cloud	cloud	PROPN
ajis02-2809	370	13	adoption	adoption	NOUN
ajis02-2809	370	14	:	:	PUNCT
ajis02-2809	370	15	empirical	empirical	ADJ
ajis02-2809	370	16	study	study	NOUN
ajis02-2809	370	17	of	of	ADP
ajis02-2809	370	18	metropolitan	metropolitan	ADJ
ajis02-2809	370	19	vs	vs	ADP
ajis02-2809	370	20	regional	regional	ADJ
ajis02-2809	370	21	smes	sme	NOUN
ajis02-2809	370	22	.	.	PUNCT
ajis02-2809	371	1	australasian	australasian	ADJ
ajis02-2809	371	2	journal	journal	NOUN
ajis02-2809	371	3	of	of	ADP
ajis02-2809	371	4	information	information	NOUN
ajis02-2809	371	5	systems	system	NOUN
ajis02-2809	371	6	,	,	PUNCT
ajis02-2809	371	7	20	20	NUM
ajis02-2809	371	8	.	.	PUNCT
ajis02-2809	372	1	https://doi.org/10.3127/ajis.v20i0.1369	https://doi.org/10.3127/ajis.v20i0.1369	PROPN
ajis02-2809	372	2	colby	colby	PROPN
ajis02-2809	372	3	,	,	PUNCT
ajis02-2809	372	4	c.	c.	PROPN
ajis02-2809	372	5	,	,	PUNCT
ajis02-2809	372	6	&	&	CCONJ
ajis02-2809	372	7	parasuraman	parasuraman	NOUN
ajis02-2809	372	8	,	,	PUNCT
ajis02-2809	372	9	a.	a.	NOUN
ajis02-2809	372	10	p.	p.	NOUN
ajis02-2809	372	11	(	(	PUNCT
ajis02-2809	372	12	2003	2003	NUM
ajis02-2809	372	13	)	)	PUNCT
ajis02-2809	372	14	.	.	PUNCT
ajis02-2809	373	1	technology	technology	NOUN
ajis02-2809	373	2	still	still	ADV
ajis02-2809	373	3	matters	matter	VERB
ajis02-2809	373	4	.	.	PUNCT
ajis02-2809	374	1	marketing	marketing	NOUN
ajis02-2809	374	2	management	management	NOUN
ajis02-2809	374	3	,	,	PUNCT
ajis02-2809	374	4	12(4	12(4	NUM
ajis02-2809	374	5	)	)	PUNCT
ajis02-2809	374	6	,	,	PUNCT
ajis02-2809	374	7	28–33	28–33	NUM
ajis02-2809	374	8	.	.	PUNCT
ajis02-2809	374	9	retrieved	retrieve	VERB
ajis02-2809	374	10	from	from	ADP
ajis02-2809	374	11	https://www.researchgate.net/publication/	https://www.researchgate.net/publication/	PROPN
ajis02-2809	374	12	279697463_technology_still_matters	279697463_technology_still_matters	NUM
ajis02-2809	374	13	colwell	colwell	PROPN
ajis02-2809	374	14	,	,	PUNCT
ajis02-2809	374	15	s.	s.	PROPN
ajis02-2809	374	16	r.	r.	PROPN
ajis02-2809	374	17	,	,	PUNCT
ajis02-2809	374	18	aung	aung	PROPN
ajis02-2809	374	19	,	,	PUNCT
ajis02-2809	374	20	m.	m.	NOUN
ajis02-2809	374	21	,	,	PUNCT
ajis02-2809	374	22	kanetkar	kanetkar	NOUN
ajis02-2809	374	23	,	,	PUNCT
ajis02-2809	374	24	v.	v.	PROPN
ajis02-2809	374	25	,	,	PUNCT
ajis02-2809	374	26	&	&	CCONJ
ajis02-2809	374	27	holden	holden	PROPN
ajis02-2809	374	28	,	,	PUNCT
ajis02-2809	374	29	a.	a.	PROPN
ajis02-2809	374	30	l.	l.	PROPN
ajis02-2809	374	31	(	(	PUNCT
ajis02-2809	374	32	2008	2008	NUM
ajis02-2809	374	33	)	)	PUNCT
ajis02-2809	374	34	.	.	PUNCT
ajis02-2809	375	1	toward	toward	ADP
ajis02-2809	375	2	a	a	DET
ajis02-2809	375	3	measure	measure	NOUN
ajis02-2809	375	4	of	of	ADP
ajis02-2809	375	5	service	service	NOUN
ajis02-2809	375	6	convenience	convenience	NOUN
ajis02-2809	375	7	:	:	PUNCT
ajis02-2809	375	8	multiple	multiple	ADJ
ajis02-2809	375	9	-	-	PUNCT
ajis02-2809	375	10	item	item	NOUN
ajis02-2809	375	11	scale	scale	NOUN
ajis02-2809	375	12	development	development	NOUN
ajis02-2809	375	13	and	and	CCONJ
ajis02-2809	375	14	empirical	empirical	ADJ
ajis02-2809	375	15	test	test	NOUN
ajis02-2809	375	16	.	.	PUNCT
ajis02-2809	376	1	journal	journal	NOUN
ajis02-2809	376	2	of	of	ADP
ajis02-2809	376	3	services	service	NOUN
ajis02-2809	376	4	marketing	marketing	NOUN
ajis02-2809	376	5	,	,	PUNCT
ajis02-2809	376	6	22(2	22(2	NUM
ajis02-2809	376	7	)	)	PUNCT
ajis02-2809	376	8	,	,	PUNCT
ajis02-2809	376	9	160–169	160–169	NUM
ajis02-2809	376	10	.	.	PUNCT
ajis02-2809	377	1	https://doi.org/10.1108/08876040810862895	https://doi.org/10.1108/08876040810862895	PROPN
ajis02-2809	378	1	copeland	copeland	PROPN
ajis02-2809	378	2	,	,	PUNCT
ajis02-2809	378	3	m.	m.	NOUN
ajis02-2809	378	4	(	(	PUNCT
ajis02-2809	378	5	1923	1923	NUM
ajis02-2809	378	6	)	)	PUNCT
ajis02-2809	378	7	.	.	PUNCT
ajis02-2809	379	1	relation	relation	NOUN
ajis02-2809	379	2	of	of	ADP
ajis02-2809	379	3	consumers	consumer	NOUN
ajis02-2809	379	4	’	'	PUNCT
ajis02-2809	379	5	buying	buying	NOUN
ajis02-2809	379	6	habits	habit	NOUN
ajis02-2809	379	7	to	to	ADP
ajis02-2809	379	8	marketing	marketing	NOUN
ajis02-2809	379	9	methods	method	NOUN
ajis02-2809	379	10	.	.	PUNCT
ajis02-2809	380	1	harvard	harvard	PROPN
ajis02-2809	380	2	business	business	PROPN
ajis02-2809	380	3	review1	review1	PROPN
ajis02-2809	380	4	,	,	PUNCT
ajis02-2809	380	5	1(april	1(april	NUM
ajis02-2809	380	6	)	)	PUNCT
ajis02-2809	380	7	,	,	PUNCT
ajis02-2809	380	8	282–289	282–289	NUM
ajis02-2809	380	9	australasian	australasian	ADJ
ajis02-2809	380	10	journal	journal	NOUN
ajis02-2809	380	11	of	of	ADP
ajis02-2809	380	12	information	information	NOUN
ajis02-2809	380	13	systems	systems	PROPN
ajis02-2809	380	14	lai	lai	PROPN
ajis02-2809	380	15	&	&	CCONJ
ajis02-2809	380	16	liew	liew	PROPN
ajis02-2809	380	17	2021	2021	NUM
ajis02-2809	380	18	,	,	PUNCT
ajis02-2809	380	19	vol	vol	NOUN
ajis02-2809	380	20	25	25	NUM
ajis02-2809	380	21	,	,	PUNCT
ajis02-2809	380	22	research	research	NOUN
ajis02-2809	380	23	article	article	NOUN
ajis02-2809	380	24	towards	towards	ADP
ajis02-2809	380	25	a	a	DET
ajis02-2809	380	26	cashless	cashless	NOUN
ajis02-2809	380	27	society	society	NOUN
ajis02-2809	380	28	20	20	NUM
ajis02-2809	380	29	davis	davis	PROPN
ajis02-2809	380	30	,	,	PUNCT
ajis02-2809	380	31	f.	f.	PROPN
ajis02-2809	380	32	d.	d.	PROPN
ajis02-2809	380	33	(	(	PUNCT
ajis02-2809	380	34	1989	1989	NUM
ajis02-2809	380	35	)	)	PUNCT
ajis02-2809	380	36	.	.	PUNCT
ajis02-2809	381	1	perceived	perceive	VERB
ajis02-2809	381	2	usefulness	usefulness	NOUN
ajis02-2809	381	3	,	,	PUNCT
ajis02-2809	381	4	perceived	perceive	VERB
ajis02-2809	381	5	ease	ease	NOUN
ajis02-2809	381	6	of	of	ADP
ajis02-2809	381	7	use	use	NOUN
ajis02-2809	381	8	,	,	PUNCT
ajis02-2809	381	9	and	and	CCONJ
ajis02-2809	381	10	user	user	NOUN
ajis02-2809	381	11	acceptance	acceptance	NOUN
ajis02-2809	381	12	of	of	ADP
ajis02-2809	381	13	information	information	NOUN
ajis02-2809	381	14	technology	technology	NOUN
ajis02-2809	381	15	.	.	PUNCT
ajis02-2809	382	1	mis	mis	PROPN
ajis02-2809	382	2	quarterly	quarterly	PROPN
ajis02-2809	382	3	,	,	PUNCT
ajis02-2809	382	4	13(3	13(3	NUM
ajis02-2809	382	5	)	)	PUNCT
ajis02-2809	382	6	,	,	PUNCT
ajis02-2809	382	7	319–339	319–339	NUM
ajis02-2809	382	8	.	.	PUNCT
ajis02-2809	383	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	PROPN
ajis02-2809	383	2	davis	davis	PROPN
ajis02-2809	383	3	,	,	PUNCT
ajis02-2809	383	4	fred	fred	PROPN
ajis02-2809	383	5	d.	d.	PROPN
ajis02-2809	383	6	,	,	PUNCT
ajis02-2809	383	7	bagozzi	bagozzi	PROPN
ajis02-2809	383	8	,	,	PUNCT
ajis02-2809	383	9	r.	r.	PROPN
ajis02-2809	383	10	p.	p.	PROPN
ajis02-2809	383	11	,	,	PUNCT
ajis02-2809	383	12	&	&	CCONJ
ajis02-2809	383	13	warshaw	warshaw	PROPN
ajis02-2809	383	14	,	,	PUNCT
ajis02-2809	383	15	p.	p.	PROPN
ajis02-2809	383	16	r.	r.	PROPN
ajis02-2809	383	17	(	(	PUNCT
ajis02-2809	383	18	1989	1989	NUM
ajis02-2809	383	19	)	)	PUNCT
ajis02-2809	383	20	.	.	PUNCT
ajis02-2809	384	1	user	user	NOUN
ajis02-2809	384	2	acceptance	acceptance	NOUN
ajis02-2809	384	3	of	of	ADP
ajis02-2809	384	4	computer	computer	NOUN
ajis02-2809	384	5	technology	technology	NOUN
ajis02-2809	384	6	:	:	PUNCT
ajis02-2809	384	7	a	a	DET
ajis02-2809	384	8	comparison	comparison	NOUN
ajis02-2809	384	9	of	of	ADP
ajis02-2809	384	10	two	two	NUM
ajis02-2809	384	11	theoretical	theoretical	ADJ
ajis02-2809	384	12	models	model	NOUN
ajis02-2809	384	13	.	.	PUNCT
ajis02-2809	385	1	management	management	NOUN
ajis02-2809	385	2	science	science	NOUN
ajis02-2809	385	3	,	,	PUNCT
ajis02-2809	385	4	35(8	35(8	NUM
ajis02-2809	385	5	)	)	PUNCT
ajis02-2809	385	6	,	,	PUNCT
ajis02-2809	385	7	982–1003	982–1003	NUM
ajis02-2809	385	8	.	.	PUNCT
ajis02-2809	386	1	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	PROPN
ajis02-2809	386	2	de	de	X
ajis02-2809	386	3	kerviler	kerviler	PROPN
ajis02-2809	386	4	,	,	PUNCT
ajis02-2809	386	5	g.	g.	PROPN
ajis02-2809	386	6	,	,	PUNCT
ajis02-2809	386	7	demoulin	demoulin	PROPN
ajis02-2809	386	8	,	,	PUNCT
ajis02-2809	386	9	n.	n.	NOUN
ajis02-2809	386	10	t.	t.	PROPN
ajis02-2809	386	11	m.	m.	NOUN
ajis02-2809	386	12	,	,	PUNCT
ajis02-2809	386	13	&	&	CCONJ
ajis02-2809	386	14	zidda	zidda	PROPN
ajis02-2809	386	15	,	,	PUNCT
ajis02-2809	386	16	p.	p.	NOUN
ajis02-2809	386	17	(	(	PUNCT
ajis02-2809	386	18	2016	2016	NUM
ajis02-2809	386	19	)	)	PUNCT
ajis02-2809	386	20	.	.	PUNCT
ajis02-2809	387	1	adoption	adoption	NOUN
ajis02-2809	387	2	of	of	ADP
ajis02-2809	387	3	in	in	ADP
ajis02-2809	387	4	-	-	PUNCT
ajis02-2809	387	5	store	store	NOUN
ajis02-2809	387	6	mobile	mobile	ADJ
ajis02-2809	387	7	payment	payment	NOUN
ajis02-2809	387	8	:	:	PUNCT
ajis02-2809	387	9	are	be	AUX
ajis02-2809	387	10	perceived	perceive	VERB
ajis02-2809	387	11	risk	risk	NOUN
ajis02-2809	387	12	and	and	CCONJ
ajis02-2809	387	13	convenience	convenience	VERB
ajis02-2809	387	14	the	the	DET
ajis02-2809	387	15	only	only	ADJ
ajis02-2809	387	16	drivers	driver	NOUN
ajis02-2809	387	17	?	?	PUNCT
ajis02-2809	388	1	journal	journal	NOUN
ajis02-2809	388	2	of	of	ADP
ajis02-2809	388	3	retailing	retailing	NOUN
ajis02-2809	388	4	and	and	CCONJ
ajis02-2809	388	5	consumer	consumer	NOUN
ajis02-2809	388	6	services	service	NOUN
ajis02-2809	388	7	,	,	PUNCT
ajis02-2809	388	8	31	31	NUM
ajis02-2809	388	9	,	,	PUNCT
ajis02-2809	388	10	334–344	334–344	NUM
ajis02-2809	388	11	.	.	PUNCT
ajis02-2809	389	1	https://doi.org/10.1016/j.jretconser.2016.04.011	https://doi.org/10.1016/j.jretconser.2016.04.011	NUM
ajis02-2809	389	2	economic	economic	ADJ
ajis02-2809	389	3	planning	planning	NOUN
ajis02-2809	389	4	unit	unit	NOUN
ajis02-2809	389	5	.	.	PUNCT
ajis02-2809	390	1	(	(	PUNCT
ajis02-2809	390	2	2015	2015	NUM
ajis02-2809	390	3	)	)	PUNCT
ajis02-2809	390	4	.	.	PUNCT
ajis02-2809	391	1	eleventh	eleventh	PROPN
ajis02-2809	391	2	malaysia	malaysia	PROPN
ajis02-2809	391	3	plan	plan	NOUN
ajis02-2809	391	4	,	,	PUNCT
ajis02-2809	391	5	2016	2016	NUM
ajis02-2809	391	6	-	-	SYM
ajis02-2809	391	7	2020	2020	NUM
ajis02-2809	391	8	.	.	PUNCT
ajis02-2809	392	1	retrieved	retrieve	VERB
ajis02-2809	392	2	from	from	ADP
ajis02-2809	392	3	https://www.mea.gov.my/en/rmk/eleventh-malaysia-plan-2016-2020	https://www.mea.gov.my/en/rmk/eleventh-malaysia-plan-2016-2020	PROPN
ajis02-2809	392	4	farquhar	farquhar	PROPN
ajis02-2809	392	5	,	,	PUNCT
ajis02-2809	392	6	j.	j.	PROPN
ajis02-2809	392	7	d.	d.	PROPN
ajis02-2809	392	8	,	,	PUNCT
ajis02-2809	392	9	&	&	CCONJ
ajis02-2809	392	10	rowley	rowley	PROPN
ajis02-2809	392	11	,	,	PUNCT
ajis02-2809	392	12	j.	j.	PROPN
ajis02-2809	392	13	(	(	PUNCT
ajis02-2809	392	14	2009	2009	NUM
ajis02-2809	392	15	)	)	PUNCT
ajis02-2809	392	16	.	.	PUNCT
ajis02-2809	393	1	convenience	convenience	NOUN
ajis02-2809	393	2	:	:	PUNCT
ajis02-2809	393	3	a	a	DET
ajis02-2809	393	4	services	service	NOUN
ajis02-2809	393	5	perspective	perspective	NOUN
ajis02-2809	393	6	.	.	PUNCT
ajis02-2809	394	1	marketing	marketing	NOUN
ajis02-2809	394	2	theory	theory	NOUN
ajis02-2809	394	3	,	,	PUNCT
ajis02-2809	394	4	9(4	9(4	NUM
ajis02-2809	394	5	)	)	PUNCT
ajis02-2809	394	6	,	,	PUNCT
ajis02-2809	394	7	425–438	425–438	NUM
ajis02-2809	394	8	.	.	PUNCT
ajis02-2809	395	1	https://doi.org/10.1177/1470593109346894	https://doi.org/10.1177/1470593109346894	PROPN
ajis02-2809	396	1	fong	fong	PROPN
ajis02-2809	396	2	,	,	PUNCT
ajis02-2809	396	3	v.	v.	PROPN
ajis02-2809	396	4	(	(	PUNCT
ajis02-2809	396	5	2020	2020	NUM
ajis02-2809	396	6	,	,	PUNCT
ajis02-2809	396	7	june	june	PROPN
ajis02-2809	396	8	8)	8)	NUM
ajis02-2809	396	9	.	.	PUNCT
ajis02-2809	396	10	malaysia	malaysia	PROPN
ajis02-2809	396	11	to	to	PART
ajis02-2809	396	12	spend	spend	VERB
ajis02-2809	396	13	rm	rm	PROPN
ajis02-2809	396	14	1.2	1.2	NUM
ajis02-2809	396	15	billion	billion	NUM
ajis02-2809	396	16	promoting	promote	VERB
ajis02-2809	396	17	e	e	NOUN
ajis02-2809	396	18	-	-	NOUN
ajis02-2809	396	19	wallets	wallet	NOUN
ajis02-2809	396	20	in	in	ADP
ajis02-2809	396	21	2020	2020	NUM
ajis02-2809	396	22	.	.	PUNCT
ajis02-2809	397	1	fintech	fintech	PROPN
ajis02-2809	397	2	malaysia	malaysia	PROPN
ajis02-2809	397	3	.	.	PUNCT
ajis02-2809	397	4	retrieved	retrieve	VERB
ajis02-2809	397	5	from	from	ADP
ajis02-2809	397	6	https://fintechnews.my/23971/e-wallets-malaysia/e-walletmalaysia-pejana/	https://fintechnews.my/23971/e-wallets-malaysia/e-walletmalaysia-pejana/	NOUN
ajis02-2809	397	7	gensler	gensler	NOUN
ajis02-2809	397	8	,	,	PUNCT
ajis02-2809	397	9	s.	s.	PROPN
ajis02-2809	397	10	,	,	PUNCT
ajis02-2809	397	11	verhoef	verhoef	PROPN
ajis02-2809	397	12	,	,	PUNCT
ajis02-2809	397	13	p.	p.	PROPN
ajis02-2809	397	14	c.	c.	PROPN
ajis02-2809	397	15	,	,	PUNCT
ajis02-2809	397	16	&	&	CCONJ
ajis02-2809	397	17	böhm	böhm	NOUN
ajis02-2809	397	18	,	,	PUNCT
ajis02-2809	397	19	m.	m.	NOUN
ajis02-2809	397	20	(	(	PUNCT
ajis02-2809	397	21	2012	2012	NUM
ajis02-2809	397	22	)	)	PUNCT
ajis02-2809	397	23	.	.	PUNCT
ajis02-2809	398	1	understanding	understand	VERB
ajis02-2809	398	2	consumers	consumer	NOUN
ajis02-2809	398	3	’	'	PUNCT
ajis02-2809	398	4	multichannel	multichannel	ADJ
ajis02-2809	398	5	choices	choice	NOUN
ajis02-2809	398	6	across	across	ADP
ajis02-2809	398	7	the	the	DET
ajis02-2809	398	8	different	different	ADJ
ajis02-2809	398	9	stages	stage	NOUN
ajis02-2809	398	10	of	of	ADP
ajis02-2809	398	11	the	the	DET
ajis02-2809	398	12	buying	buying	NOUN
ajis02-2809	398	13	process	process	NOUN
ajis02-2809	398	14	.	.	PUNCT
ajis02-2809	399	1	marketing	marketing	NOUN
ajis02-2809	399	2	letters	letter	NOUN
ajis02-2809	399	3	,	,	PUNCT
ajis02-2809	399	4	23(4	23(4	NOUN
ajis02-2809	399	5	)	)	PUNCT
ajis02-2809	399	6	,	,	PUNCT
ajis02-2809	399	7	987	987	NUM
ajis02-2809	399	8	–	–	PUNCT
ajis02-2809	399	9	1003	1003	NUM
ajis02-2809	399	10	.	.	PUNCT
ajis02-2809	400	1	https://doi.org/10.1007/s11002-012-9199-9	https://doi.org/10.1007/s11002-012-9199-9	NUM
ajis02-2809	400	2	gupta	gupta	PROPN
ajis02-2809	400	3	,	,	PUNCT
ajis02-2809	400	4	m.	m.	NOUN
ajis02-2809	400	5	p.	p.	PROPN
ajis02-2809	400	6	,	,	PUNCT
ajis02-2809	400	7	&	&	CCONJ
ajis02-2809	400	8	dubey	dubey	PROPN
ajis02-2809	400	9	,	,	PUNCT
ajis02-2809	400	10	a.	a.	NOUN
ajis02-2809	400	11	(	(	PUNCT
ajis02-2809	400	12	2016	2016	NUM
ajis02-2809	400	13	)	)	PUNCT
ajis02-2809	400	14	.	.	PUNCT
ajis02-2809	401	1	e	e	X
ajis02-2809	401	2	-	-	NOUN
ajis02-2809	401	3	commercestudy	commercestudy	NOUN
ajis02-2809	401	4	of	of	ADP
ajis02-2809	401	5	privacy	privacy	NOUN
ajis02-2809	401	6	,	,	PUNCT
ajis02-2809	401	7	trust	trust	NOUN
ajis02-2809	401	8	and	and	CCONJ
ajis02-2809	401	9	security	security	NOUN
ajis02-2809	401	10	from	from	ADP
ajis02-2809	401	11	consumer	consumer	NOUN
ajis02-2809	401	12	’	'	PUNCT
ajis02-2809	401	13	s	s	NOUN
ajis02-2809	401	14	perspective	perspective	NOUN
ajis02-2809	401	15	.	.	PUNCT
ajis02-2809	402	1	computer	computer	NOUN
ajis02-2809	402	2	science	science	NOUN
ajis02-2809	402	3	and	and	CCONJ
ajis02-2809	402	4	mobile	mobile	ADJ
ajis02-2809	402	5	computing	computing	NOUN
ajis02-2809	402	6	hair	hair	NOUN
ajis02-2809	402	7	,	,	PUNCT
ajis02-2809	402	8	j.f	j.f	PROPN
ajis02-2809	402	9	.	.	PROPN
ajis02-2809	402	10	,	,	PUNCT
ajis02-2809	402	11	hult	hult	PROPN
ajis02-2809	402	12	,	,	PUNCT
ajis02-2809	402	13	g.	g.	PROPN
ajis02-2809	402	14	t.	t.	PROPN
ajis02-2809	402	15	m.	m.	PROPN
ajis02-2809	402	16	,	,	PUNCT
ajis02-2809	402	17	ringle	ringle	PROPN
ajis02-2809	402	18	,	,	PUNCT
ajis02-2809	402	19	c.	c.	PROPN
ajis02-2809	402	20	m.	m.	PROPN
ajis02-2809	402	21	,	,	PUNCT
ajis02-2809	402	22	&	&	CCONJ
ajis02-2809	402	23	sarstedt	sarstedt	NOUN
ajis02-2809	402	24	,	,	PUNCT
ajis02-2809	402	25	m.	m.	NOUN
ajis02-2809	402	26	(	(	PUNCT
ajis02-2809	402	27	2014	2014	NUM
ajis02-2809	402	28	)	)	PUNCT
ajis02-2809	402	29	.	.	PUNCT
ajis02-2809	403	1	a	a	DET
ajis02-2809	403	2	primer	primer	NOUN
ajis02-2809	403	3	on	on	ADP
ajis02-2809	403	4	partial	partial	ADJ
ajis02-2809	403	5	least	least	ADJ
ajis02-2809	403	6	squares	square	NOUN
ajis02-2809	403	7	structural	structural	ADJ
ajis02-2809	403	8	equation	equation	NOUN
ajis02-2809	403	9	modeling	modeling	NOUN
ajis02-2809	403	10	(	(	PUNCT
ajis02-2809	403	11	pls	pls	INTJ
ajis02-2809	403	12	-	-	PUNCT
ajis02-2809	403	13	sem	sem	NOUN
ajis02-2809	403	14	)	)	PUNCT
ajis02-2809	403	15	.	.	PUNCT
ajis02-2809	404	1	thousand	thousand	NUM
ajis02-2809	404	2	oaks	oak	NOUN
ajis02-2809	404	3	,	,	PUNCT
ajis02-2809	404	4	ca	can	AUX
ajis02-2809	404	5	:	:	PUNCT
ajis02-2809	404	6	sage	sage	NOUN
ajis02-2809	404	7	publication	publication	NOUN
ajis02-2809	404	8	hair	hair	NOUN
ajis02-2809	404	9	,	,	PUNCT
ajis02-2809	404	10	j.	j.	PROPN
ajis02-2809	404	11	f.	f.	PROPN
ajis02-2809	404	12	,	,	PUNCT
ajis02-2809	404	13	risher	risher	ADV
ajis02-2809	404	14	,	,	PUNCT
ajis02-2809	404	15	j.	j.	PROPN
ajis02-2809	404	16	j.	j.	PROPN
ajis02-2809	404	17	,	,	PUNCT
ajis02-2809	404	18	sarstedt	sarstedt	NOUN
ajis02-2809	404	19	,	,	PUNCT
ajis02-2809	404	20	m.	m.	NOUN
ajis02-2809	404	21	,	,	PUNCT
ajis02-2809	404	22	&	&	CCONJ
ajis02-2809	404	23	ringle	ringle	PROPN
ajis02-2809	404	24	,	,	PUNCT
ajis02-2809	404	25	c.	c.	PROPN
ajis02-2809	404	26	m.	m.	NOUN
ajis02-2809	404	27	(	(	PUNCT
ajis02-2809	404	28	2019	2019	NUM
ajis02-2809	404	29	)	)	PUNCT
ajis02-2809	404	30	.	.	PUNCT
ajis02-2809	405	1	when	when	SCONJ
ajis02-2809	405	2	to	to	PART
ajis02-2809	405	3	use	use	VERB
ajis02-2809	405	4	and	and	CCONJ
ajis02-2809	405	5	how	how	SCONJ
ajis02-2809	405	6	to	to	PART
ajis02-2809	405	7	report	report	VERB
ajis02-2809	405	8	the	the	DET
ajis02-2809	405	9	results	result	NOUN
ajis02-2809	405	10	of	of	ADP
ajis02-2809	405	11	pls	pls	NOUN
ajis02-2809	405	12	-	-	PUNCT
ajis02-2809	405	13	sem	sem	NOUN
ajis02-2809	405	14	.	.	PUNCT
ajis02-2809	406	1	european	european	PROPN
ajis02-2809	406	2	business	business	PROPN
ajis02-2809	406	3	review	review	PROPN
ajis02-2809	406	4	,	,	PUNCT
ajis02-2809	406	5	30(1	30(1	NUM
ajis02-2809	406	6	)	)	PUNCT
ajis02-2809	406	7	,	,	PUNCT
ajis02-2809	406	8	2–24	2–24	PROPN
ajis02-2809	406	9	.	.	PUNCT
ajis02-2809	407	1	https://doi.org/10.1108/ebr11-2018-0203	https://doi.org/10.1108/ebr11-2018-0203	NUM
ajis02-2809	407	2	hair	hair	NOUN
ajis02-2809	407	3	,	,	PUNCT
ajis02-2809	407	4	j.	j.	PROPN
ajis02-2809	407	5	f.	f.	PROPN
ajis02-2809	407	6	,	,	PUNCT
ajis02-2809	407	7	sarstedt	sarstedt	NOUN
ajis02-2809	407	8	,	,	PUNCT
ajis02-2809	407	9	m.	m.	NOUN
ajis02-2809	407	10	,	,	PUNCT
ajis02-2809	407	11	ringle	ringle	NOUN
ajis02-2809	407	12	,	,	PUNCT
ajis02-2809	407	13	c.	c.	PROPN
ajis02-2809	407	14	m.	m.	PROPN
ajis02-2809	407	15	,	,	PUNCT
ajis02-2809	407	16	&	&	CCONJ
ajis02-2809	407	17	gudergan	gudergan	PROPN
ajis02-2809	407	18	,	,	PUNCT
ajis02-2809	407	19	s.	s.	PROPN
ajis02-2809	407	20	p.	p.	PROPN
ajis02-2809	407	21	(	(	PUNCT
ajis02-2809	407	22	2018	2018	NUM
ajis02-2809	407	23	)	)	PUNCT
ajis02-2809	407	24	.	.	PUNCT
ajis02-2809	408	1	advanced	advanced	ADJ
ajis02-2809	408	2	issues	issue	NOUN
ajis02-2809	408	3	in	in	ADP
ajis02-2809	408	4	partial	partial	ADJ
ajis02-2809	408	5	least	least	ADJ
ajis02-2809	408	6	squares	square	NOUN
ajis02-2809	408	7	structural	structural	ADJ
ajis02-2809	408	8	equation	equation	NOUN
ajis02-2809	408	9	modeling	modeling	NOUN
ajis02-2809	408	10	(	(	PUNCT
ajis02-2809	408	11	pls	pls	INTJ
ajis02-2809	408	12	-	-	PUNCT
ajis02-2809	408	13	sem	sem	NOUN
ajis02-2809	408	14	)	)	PUNCT
ajis02-2809	408	15	.	.	PUNCT
ajis02-2809	409	1	thousand	thousand	NUM
ajis02-2809	409	2	oaks	oak	NOUN
ajis02-2809	409	3	,	,	PUNCT
ajis02-2809	409	4	ca	can	AUX
ajis02-2809	409	5	:	:	PUNCT
ajis02-2809	409	6	sage	sage	VERB
ajis02-2809	409	7	publication	publication	NOUN
ajis02-2809	409	8	harrison	harrison	PROPN
ajis02-2809	409	9	,	,	PUNCT
ajis02-2809	409	10	d.	d.	PROPN
ajis02-2809	409	11	e.	e.	PROPN
ajis02-2809	409	12	,	,	PUNCT
ajis02-2809	409	13	hair	hair	NOUN
ajis02-2809	409	14	,	,	PUNCT
ajis02-2809	409	15	j.	j.	PROPN
ajis02-2809	409	16	f.	f.	PROPN
ajis02-2809	409	17	,	,	PUNCT
ajis02-2809	409	18	&	&	CCONJ
ajis02-2809	409	19	ajjan	ajjan	PROPN
ajis02-2809	409	20	,	,	PUNCT
ajis02-2809	409	21	h.	h.	PROPN
ajis02-2809	409	22	(	(	PUNCT
ajis02-2809	409	23	2021	2021	NUM
ajis02-2809	409	24	)	)	PUNCT
ajis02-2809	409	25	.	.	PUNCT
ajis02-2809	410	1	essentials	essential	NOUN
ajis02-2809	410	2	of	of	ADP
ajis02-2809	410	3	marketing	marketing	NOUN
ajis02-2809	410	4	analytics	analytic	NOUN
ajis02-2809	410	5	(	(	PUNCT
ajis02-2809	410	6	1st	1st	ADJ
ajis02-2809	410	7	ed	ed	NOUN
ajis02-2809	410	8	.	.	PUNCT
ajis02-2809	410	9	)	)	PUNCT
ajis02-2809	410	10	.	.	PUNCT
ajis02-2809	411	1	mcgraw	mcgraw	PROPN
ajis02-2809	411	2	-	-	PUNCT
ajis02-2809	411	3	hill	hill	PROPN
ajis02-2809	411	4	education	education	PROPN
ajis02-2809	411	5	harrison	harrison	PROPN
ajis02-2809	411	6	,	,	PUNCT
ajis02-2809	411	7	r.	r.	PROPN
ajis02-2809	411	8	,	,	PUNCT
ajis02-2809	411	9	scheela	scheela	PROPN
ajis02-2809	411	10	,	,	PUNCT
ajis02-2809	411	11	w.	w.	PROPN
ajis02-2809	411	12	,	,	PUNCT
ajis02-2809	411	13	lai	lai	PROPN
ajis02-2809	411	14	,	,	PUNCT
ajis02-2809	411	15	p.	p.	PROPN
ajis02-2809	411	16	c.	c.	PROPN
ajis02-2809	411	17	,	,	PUNCT
ajis02-2809	411	18	&	&	CCONJ
ajis02-2809	411	19	vivekarajah	vivekarajah	PROPN
ajis02-2809	411	20	,	,	PUNCT
ajis02-2809	411	21	s.	s.	PROPN
ajis02-2809	411	22	(	(	PUNCT
ajis02-2809	411	23	2018	2018	NUM
ajis02-2809	411	24	)	)	PUNCT
ajis02-2809	411	25	.	.	PUNCT
ajis02-2809	412	1	beyond	beyond	ADP
ajis02-2809	412	2	institutional	institutional	ADJ
ajis02-2809	412	3	voids	void	NOUN
ajis02-2809	412	4	and	and	CCONJ
ajis02-2809	412	5	the	the	DET
ajis02-2809	412	6	middle	middle	ADJ
ajis02-2809	412	7	-	-	PUNCT
ajis02-2809	412	8	income	income	NOUN
ajis02-2809	412	9	trap	trap	NOUN
ajis02-2809	412	10	:	:	PUNCT
ajis02-2809	412	11	the	the	DET
ajis02-2809	412	12	emerging	emerge	VERB
ajis02-2809	412	13	business	business	NOUN
ajis02-2809	412	14	angel	angel	NOUN
ajis02-2809	412	15	market	market	NOUN
ajis02-2809	412	16	in	in	ADP
ajis02-2809	412	17	malaysia	malaysia	PROPN
ajis02-2809	412	18	.	.	PUNCT
ajis02-2809	413	1	asia	asia	PROPN
ajis02-2809	413	2	pacific	pacific	PROPN
ajis02-2809	413	3	journal	journal	PROPN
ajis02-2809	413	4	of	of	ADP
ajis02-2809	413	5	management	management	NOUN
ajis02-2809	413	6	,	,	PUNCT
ajis02-2809	413	7	35(4	35(4	NUM
ajis02-2809	413	8	)	)	PUNCT
ajis02-2809	413	9	,	,	PUNCT
ajis02-2809	413	10	965–991	965–991	NUM
ajis02-2809	413	11	.	.	PUNCT
ajis02-2809	414	1	https://doi.org/10.1007/s10490-017-9535-y	https://doi.org/10.1007/s10490-017-9535-y	PROPN
ajis02-2809	414	2	henseler	henseler	NOUN
ajis02-2809	414	3	,	,	PUNCT
ajis02-2809	414	4	j.	j.	PROPN
ajis02-2809	414	5	,	,	PUNCT
ajis02-2809	414	6	dijkstra	dijkstra	PROPN
ajis02-2809	414	7	,	,	PUNCT
ajis02-2809	414	8	t.	t.	PROPN
ajis02-2809	414	9	k.	k.	PROPN
ajis02-2809	414	10	,	,	PUNCT
ajis02-2809	414	11	sarstedt	sarstedt	NOUN
ajis02-2809	414	12	,	,	PUNCT
ajis02-2809	414	13	m.	m.	NOUN
ajis02-2809	414	14	,	,	PUNCT
ajis02-2809	414	15	ringle	ringle	NOUN
ajis02-2809	414	16	,	,	PUNCT
ajis02-2809	414	17	c.	c.	PROPN
ajis02-2809	414	18	m.	m.	NOUN
ajis02-2809	414	19	,	,	PUNCT
ajis02-2809	414	20	diamantopoulos	diamantopoulos	PROPN
ajis02-2809	414	21	,	,	PUNCT
ajis02-2809	414	22	a.	a.	PROPN
ajis02-2809	414	23	,	,	PUNCT
ajis02-2809	414	24	straub	straub	PROPN
ajis02-2809	414	25	,	,	PUNCT
ajis02-2809	414	26	d.	d.	PROPN
ajis02-2809	414	27	w.	w.	PROPN
ajis02-2809	414	28	,	,	PUNCT
ajis02-2809	414	29	…	…	PUNCT
ajis02-2809	414	30	calantone	calantone	NOUN
ajis02-2809	414	31	,	,	PUNCT
ajis02-2809	414	32	r.	r.	PROPN
ajis02-2809	414	33	j.	j.	PROPN
ajis02-2809	414	34	(	(	PUNCT
ajis02-2809	414	35	2014	2014	NUM
ajis02-2809	414	36	)	)	PUNCT
ajis02-2809	414	37	.	.	PUNCT
ajis02-2809	415	1	common	common	ADJ
ajis02-2809	415	2	beliefs	belief	NOUN
ajis02-2809	415	3	and	and	CCONJ
ajis02-2809	415	4	reality	reality	NOUN
ajis02-2809	415	5	about	about	ADP
ajis02-2809	415	6	partial	partial	ADJ
ajis02-2809	415	7	least	least	ADJ
ajis02-2809	415	8	squares	square	NOUN
ajis02-2809	415	9	:	:	PUNCT
ajis02-2809	415	10	comments	comment	NOUN
ajis02-2809	415	11	on	on	ADP
ajis02-2809	415	12	rönkkö	rönkkö	PROPN
ajis02-2809	415	13	&	&	CCONJ
ajis02-2809	415	14	evermann	evermann	PROPN
ajis02-2809	415	15	(	(	PUNCT
ajis02-2809	415	16	2013	2013	NUM
ajis02-2809	415	17	)	)	PUNCT
ajis02-2809	415	18	.	.	PUNCT
ajis02-2809	416	1	organizational	organizational	ADJ
ajis02-2809	416	2	research	research	NOUN
ajis02-2809	416	3	methods	method	NOUN
ajis02-2809	416	4	,	,	PUNCT
ajis02-2809	416	5	17(2	17(2	NUM
ajis02-2809	416	6	)	)	PUNCT
ajis02-2809	416	7	,	,	PUNCT
ajis02-2809	416	8	182–209	182–209	NUM
ajis02-2809	416	9	.	.	PUNCT
ajis02-2809	417	1	https://doi.org/https://doi.org/10.1177/1094428114526928	https://doi.org/https://doi.org/10.1177/1094428114526928	PROPN
ajis02-2809	417	2	henseler	henseler	PROPN
ajis02-2809	417	3	,	,	PUNCT
ajis02-2809	417	4	j.	j.	PROPN
ajis02-2809	417	5	,	,	PUNCT
ajis02-2809	417	6	ringle	ringle	PROPN
ajis02-2809	417	7	,	,	PUNCT
ajis02-2809	417	8	c.	c.	PROPN
ajis02-2809	417	9	m.	m.	PROPN
ajis02-2809	417	10	,	,	PUNCT
ajis02-2809	417	11	&	&	CCONJ
ajis02-2809	417	12	sarstedt	sarstedt	NOUN
ajis02-2809	417	13	,	,	PUNCT
ajis02-2809	417	14	m.	m.	NOUN
ajis02-2809	417	15	(	(	PUNCT
ajis02-2809	417	16	2015	2015	NUM
ajis02-2809	417	17	)	)	PUNCT
ajis02-2809	417	18	.	.	PUNCT
ajis02-2809	418	1	a	a	DET
ajis02-2809	418	2	new	new	ADJ
ajis02-2809	418	3	criterion	criterion	NOUN
ajis02-2809	418	4	for	for	ADP
ajis02-2809	418	5	assessing	assess	VERB
ajis02-2809	418	6	discriminant	discriminant	ADJ
ajis02-2809	418	7	validity	validity	NOUN
ajis02-2809	418	8	in	in	ADP
ajis02-2809	418	9	variance	variance	NOUN
ajis02-2809	418	10	-	-	PUNCT
ajis02-2809	418	11	based	base	VERB
ajis02-2809	418	12	structural	structural	ADJ
ajis02-2809	418	13	equation	equation	NOUN
ajis02-2809	418	14	modeling	modeling	NOUN
ajis02-2809	418	15	.	.	PUNCT
ajis02-2809	419	1	journal	journal	NOUN
ajis02-2809	419	2	of	of	ADP
ajis02-2809	419	3	academic	academic	NOUN
ajis02-2809	419	4	of	of	ADP
ajis02-2809	419	5	marketing	marketing	NOUN
ajis02-2809	419	6	science	science	NOUN
ajis02-2809	419	7	,	,	PUNCT
ajis02-2809	419	8	43(1	43(1	NOUN
ajis02-2809	419	9	)	)	PUNCT
ajis02-2809	419	10	,	,	PUNCT
ajis02-2809	419	11	115–135	115–135	NUM
ajis02-2809	419	12	.	.	PUNCT
ajis02-2809	420	1	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NOUN
ajis02-2809	420	2	australasian	australasian	ADJ
ajis02-2809	420	3	journal	journal	NOUN
ajis02-2809	420	4	of	of	ADP
ajis02-2809	420	5	information	information	NOUN
ajis02-2809	420	6	systems	systems	PROPN
ajis02-2809	420	7	lai	lai	PROPN
ajis02-2809	420	8	&	&	CCONJ
ajis02-2809	420	9	liew	liew	PROPN
ajis02-2809	420	10	2021	2021	NUM
ajis02-2809	420	11	,	,	PUNCT
ajis02-2809	420	12	vol	vol	NOUN
ajis02-2809	420	13	25	25	NUM
ajis02-2809	420	14	,	,	PUNCT
ajis02-2809	420	15	research	research	NOUN
ajis02-2809	420	16	article	article	NOUN
ajis02-2809	420	17	towards	towards	ADP
ajis02-2809	420	18	a	a	DET
ajis02-2809	420	19	cashless	cashless	NOUN
ajis02-2809	420	20	society	society	NOUN
ajis02-2809	420	21	21	21	NUM
ajis02-2809	420	22	henseler	henseler	NOUN
ajis02-2809	420	23	,	,	PUNCT
ajis02-2809	420	24	j.	j.	PROPN
ajis02-2809	420	25	,	,	PUNCT
ajis02-2809	420	26	ringle	ringle	PROPN
ajis02-2809	420	27	,	,	PUNCT
ajis02-2809	420	28	c.	c.	PROPN
ajis02-2809	420	29	m.	m.	PROPN
ajis02-2809	420	30	,	,	PUNCT
ajis02-2809	420	31	&	&	CCONJ
ajis02-2809	420	32	sarstedt	sarstedt	NOUN
ajis02-2809	420	33	,	,	PUNCT
ajis02-2809	420	34	m.	m.	NOUN
ajis02-2809	420	35	(	(	PUNCT
ajis02-2809	420	36	2015	2015	NUM
ajis02-2809	420	37	)	)	PUNCT
ajis02-2809	420	38	.	.	PUNCT
ajis02-2809	421	1	testing	testing	NOUN
ajis02-2809	421	2	measurement	measurement	NOUN
ajis02-2809	421	3	invariance	invariance	NOUN
ajis02-2809	421	4	of	of	ADP
ajis02-2809	421	5	composites	composite	NOUN
ajis02-2809	421	6	using	use	VERB
ajis02-2809	421	7	partial	partial	ADJ
ajis02-2809	421	8	least	least	ADJ
ajis02-2809	421	9	squares	square	NOUN
ajis02-2809	421	10	.	.	PUNCT
ajis02-2809	422	1	international	international	ADJ
ajis02-2809	422	2	marketing	marketing	NOUN
ajis02-2809	422	3	review	review	NOUN
ajis02-2809	422	4	,	,	PUNCT
ajis02-2809	422	5	33(3	33(3	NOUN
ajis02-2809	422	6	)	)	PUNCT
ajis02-2809	422	7	,	,	PUNCT
ajis02-2809	422	8	405–431	405–431	NUM
ajis02-2809	422	9	.	.	PUNCT
ajis02-2809	423	1	https://doi.org/10.1108/imr-09-2014-0304	https://doi.org/10.1108/imr-09-2014-0304	PROPN
ajis02-2809	423	2	hofacker	hofacker	NOUN
ajis02-2809	423	3	,	,	PUNCT
ajis02-2809	423	4	c.	c.	PROPN
ajis02-2809	423	5	f.	f.	PROPN
ajis02-2809	423	6	,	,	PUNCT
ajis02-2809	423	7	de	de	ADP
ajis02-2809	423	8	ruyter	ruyter	PROPN
ajis02-2809	423	9	,	,	PUNCT
ajis02-2809	423	10	k.	k.	PROPN
ajis02-2809	423	11	,	,	PUNCT
ajis02-2809	423	12	lurie	lurie	PROPN
ajis02-2809	423	13	,	,	PUNCT
ajis02-2809	423	14	n.	n.	PROPN
ajis02-2809	423	15	h.	h.	PROPN
ajis02-2809	423	16	,	,	PUNCT
ajis02-2809	423	17	manchanda	manchanda	PROPN
ajis02-2809	423	18	,	,	PUNCT
ajis02-2809	423	19	p.	p.	PROPN
ajis02-2809	423	20	,	,	PUNCT
ajis02-2809	423	21	&	&	CCONJ
ajis02-2809	423	22	donaldson	donaldson	PROPN
ajis02-2809	423	23	,	,	PUNCT
ajis02-2809	423	24	j.	j.	PROPN
ajis02-2809	423	25	(	(	PUNCT
ajis02-2809	423	26	2016	2016	NUM
ajis02-2809	423	27	)	)	PUNCT
ajis02-2809	423	28	.	.	PUNCT
ajis02-2809	424	1	gamification	gamification	NOUN
ajis02-2809	424	2	and	and	CCONJ
ajis02-2809	424	3	mobile	mobile	ADJ
ajis02-2809	424	4	marketing	marketing	NOUN
ajis02-2809	424	5	effectiveness	effectiveness	NOUN
ajis02-2809	424	6	.	.	PUNCT
ajis02-2809	425	1	journal	journal	NOUN
ajis02-2809	425	2	of	of	ADP
ajis02-2809	425	3	interactive	interactive	ADJ
ajis02-2809	425	4	marketing	marketing	NOUN
ajis02-2809	425	5	,	,	PUNCT
ajis02-2809	425	6	34	34	NUM
ajis02-2809	425	7	,	,	PUNCT
ajis02-2809	425	8	25–36	25–36	NUM
ajis02-2809	425	9	.	.	PUNCT
ajis02-2809	426	1	https://doi.org/10.1016/j.intmar.2016.03.001	https://doi.org/10.1016/j.intmar.2016.03.001	PROPN
ajis02-2809	426	2	högberg	högberg	PROPN
ajis02-2809	426	3	,	,	PUNCT
ajis02-2809	426	4	j.	j.	PROPN
ajis02-2809	426	5	,	,	PUNCT
ajis02-2809	426	6	shams	sham	NOUN
ajis02-2809	426	7	,	,	PUNCT
ajis02-2809	426	8	p.	p.	NOUN
ajis02-2809	426	9	,	,	PUNCT
ajis02-2809	426	10	&	&	CCONJ
ajis02-2809	426	11	wästlund	wästlund	PROPN
ajis02-2809	426	12	,	,	PUNCT
ajis02-2809	426	13	e.	e.	PROPN
ajis02-2809	426	14	(	(	PUNCT
ajis02-2809	426	15	2019	2019	NUM
ajis02-2809	426	16	)	)	PUNCT
ajis02-2809	426	17	.	.	PUNCT
ajis02-2809	427	1	gamified	gamifie	VERB
ajis02-2809	427	2	in	in	ADP
ajis02-2809	427	3	-	-	PUNCT
ajis02-2809	427	4	store	store	NOUN
ajis02-2809	427	5	mobile	mobile	ADJ
ajis02-2809	427	6	marketing	marketing	NOUN
ajis02-2809	427	7	:	:	PUNCT
ajis02-2809	427	8	the	the	DET
ajis02-2809	427	9	mixed	mixed	ADJ
ajis02-2809	427	10	effect	effect	NOUN
ajis02-2809	427	11	of	of	ADP
ajis02-2809	427	12	gamified	gamified	ADJ
ajis02-2809	427	13	point	point	NOUN
ajis02-2809	427	14	-	-	PUNCT
ajis02-2809	427	15	of	of	ADP
ajis02-2809	427	16	-	-	PUNCT
ajis02-2809	427	17	purchase	purchase	NOUN
ajis02-2809	427	18	advertising	advertising	NOUN
ajis02-2809	427	19	.	.	PUNCT
ajis02-2809	428	1	journal	journal	NOUN
ajis02-2809	428	2	of	of	ADP
ajis02-2809	428	3	retailing	retailing	NOUN
ajis02-2809	428	4	and	and	CCONJ
ajis02-2809	428	5	consumer	consumer	NOUN
ajis02-2809	428	6	services	service	NOUN
ajis02-2809	428	7	,	,	PUNCT
ajis02-2809	428	8	50	50	NUM
ajis02-2809	428	9	,	,	PUNCT
ajis02-2809	428	10	298–304	298–304	NUM
ajis02-2809	428	11	.	.	PUNCT
ajis02-2809	429	1	https://doi.org/10.1016/j.jretconser.2018.07.004	https://doi.org/10.1016/j.jretconser.2018.07.004	PROPN
ajis02-2809	429	2	hollebeek	hollebeek	NOUN
ajis02-2809	429	3	,	,	PUNCT
ajis02-2809	429	4	l.	l.	PROPN
ajis02-2809	429	5	d.	d.	PROPN
ajis02-2809	429	6	,	,	PUNCT
ajis02-2809	429	7	das	das	PROPN
ajis02-2809	429	8	,	,	PUNCT
ajis02-2809	429	9	k.	k.	PROPN
ajis02-2809	429	10	,	,	PUNCT
ajis02-2809	429	11	&	&	CCONJ
ajis02-2809	429	12	shukla	shukla	PROPN
ajis02-2809	429	13	,	,	PUNCT
ajis02-2809	429	14	y.	y.	PROPN
ajis02-2809	429	15	(	(	PUNCT
ajis02-2809	429	16	2021	2021	NUM
ajis02-2809	429	17	)	)	PUNCT
ajis02-2809	429	18	.	.	PUNCT
ajis02-2809	430	1	game	game	NOUN
ajis02-2809	430	2	on	on	ADP
ajis02-2809	430	3	!	!	PUNCT
ajis02-2809	431	1	how	how	SCONJ
ajis02-2809	431	2	gamified	gamifie	VERB
ajis02-2809	431	3	loyalty	loyalty	NOUN
ajis02-2809	431	4	programs	program	NOUN
ajis02-2809	431	5	boost	boost	VERB
ajis02-2809	431	6	customer	customer	NOUN
ajis02-2809	431	7	engagement	engagement	NOUN
ajis02-2809	431	8	value	value	NOUN
ajis02-2809	431	9	.	.	PUNCT
ajis02-2809	432	1	international	international	ADJ
ajis02-2809	432	2	journal	journal	PROPN
ajis02-2809	432	3	of	of	ADP
ajis02-2809	432	4	information	information	NOUN
ajis02-2809	432	5	management	management	NOUN
ajis02-2809	432	6	,	,	PUNCT
ajis02-2809	432	7	102308	102308	NUM
ajis02-2809	432	8	.	.	PUNCT
ajis02-2809	433	1	https://doi.org/10.1016/j.ijinfomgt.2021.102308	https://doi.org/10.1016/j.ijinfomgt.2021.102308	PROPN
ajis02-2809	433	2	huang	huang	PROPN
ajis02-2809	433	3	,	,	PUNCT
ajis02-2809	433	4	r.	r.	PROPN
ajis02-2809	433	5	(	(	PUNCT
ajis02-2809	433	6	2020	2020	NUM
ajis02-2809	433	7	,	,	PUNCT
ajis02-2809	433	8	march	march	PROPN
ajis02-2809	433	9	9	9	NUM
ajis02-2809	433	10	)	)	PUNCT
ajis02-2809	433	11	.	.	PUNCT
ajis02-2809	434	1	who	who	PRON
ajis02-2809	434	2	encourages	encourage	VERB
ajis02-2809	434	3	use	use	NOUN
ajis02-2809	434	4	of	of	ADP
ajis02-2809	434	5	contactless	contactless	ADJ
ajis02-2809	434	6	payments	payment	NOUN
ajis02-2809	434	7	due	due	ADP
ajis02-2809	434	8	to	to	ADP
ajis02-2809	434	9	covid-19	covid-19	PROPN
ajis02-2809	434	10	.	.	PUNCT
ajis02-2809	434	11	forbes	forbes	PROPN
ajis02-2809	434	12	.	.	PROPN
ajis02-2809	434	13	retrieved	retrieve	VERB
ajis02-2809	434	14	from	from	ADP
ajis02-2809	434	15	https://www.forbes.com/sites/rogerhuang/2020/03/09/whoencourages-use-of-digital-payments-due-to-covid-19/?sh=59ac5feb41eb	https://www.forbes.com/sites/rogerhuang/2020/03/09/whoencourages-use-of-digital-payments-due-to-covid-19/?sh=59ac5feb41eb	NOUN
ajis02-2809	434	16	huotari	huotari	PROPN
ajis02-2809	434	17	,	,	PUNCT
ajis02-2809	434	18	k.	k.	PROPN
ajis02-2809	434	19	,	,	PUNCT
ajis02-2809	434	20	&	&	CCONJ
ajis02-2809	434	21	hamari	hamari	X
ajis02-2809	434	22	,	,	PUNCT
ajis02-2809	434	23	j.	j.	PROPN
ajis02-2809	434	24	(	(	PUNCT
ajis02-2809	434	25	2017	2017	NUM
ajis02-2809	434	26	)	)	PUNCT
ajis02-2809	434	27	.	.	PUNCT
ajis02-2809	435	1	a	a	DET
ajis02-2809	435	2	definition	definition	NOUN
ajis02-2809	435	3	for	for	ADP
ajis02-2809	435	4	gamification	gamification	NOUN
ajis02-2809	435	5	:	:	PUNCT
ajis02-2809	435	6	anchoring	anchor	VERB
ajis02-2809	435	7	gamification	gamification	NOUN
ajis02-2809	435	8	in	in	ADP
ajis02-2809	435	9	the	the	DET
ajis02-2809	435	10	service	service	NOUN
ajis02-2809	435	11	marketing	marketing	NOUN
ajis02-2809	435	12	literature	literature	NOUN
ajis02-2809	435	13	.	.	PUNCT
ajis02-2809	436	1	electronic	electronic	ADJ
ajis02-2809	436	2	markets	market	NOUN
ajis02-2809	436	3	,	,	PUNCT
ajis02-2809	436	4	27(1	27(1	NUM
ajis02-2809	436	5	)	)	PUNCT
ajis02-2809	436	6	,	,	PUNCT
ajis02-2809	436	7	21–31	21–31	NUM
ajis02-2809	436	8	.	.	PUNCT
ajis02-2809	437	1	https://doi.org/10.1007/s12525-015-0212-z	https://doi.org/10.1007/s12525-015-0212-z	PROPN
ajis02-2809	437	2	jiang	jiang	PROPN
ajis02-2809	437	3	,	,	PUNCT
ajis02-2809	437	4	l.	l.	PROPN
ajis02-2809	437	5	(	(	PUNCT
ajis02-2809	437	6	alice	alice	PROPN
ajis02-2809	437	7	)	)	PUNCT
ajis02-2809	437	8	,	,	PUNCT
ajis02-2809	437	9	yang	yang	PROPN
ajis02-2809	437	10	,	,	PUNCT
ajis02-2809	437	11	z.	z.	PROPN
ajis02-2809	437	12	,	,	PUNCT
ajis02-2809	437	13	&	&	CCONJ
ajis02-2809	437	14	jun	jun	PROPN
ajis02-2809	437	15	,	,	PUNCT
ajis02-2809	437	16	m.	m.	NOUN
ajis02-2809	437	17	(	(	PUNCT
ajis02-2809	437	18	2013	2013	NUM
ajis02-2809	437	19	)	)	PUNCT
ajis02-2809	437	20	.	.	PUNCT
ajis02-2809	438	1	measuring	measure	VERB
ajis02-2809	438	2	consumer	consumer	NOUN
ajis02-2809	438	3	perceptions	perception	NOUN
ajis02-2809	438	4	of	of	ADP
ajis02-2809	438	5	online	online	ADJ
ajis02-2809	438	6	shopping	shopping	NOUN
ajis02-2809	438	7	convenience	convenience	NOUN
ajis02-2809	438	8	.	.	PUNCT
ajis02-2809	439	1	journal	journal	NOUN
ajis02-2809	439	2	of	of	ADP
ajis02-2809	439	3	service	service	NOUN
ajis02-2809	439	4	management	management	NOUN
ajis02-2809	439	5	,	,	PUNCT
ajis02-2809	439	6	24(2	24(2	NUM
ajis02-2809	439	7	)	)	PUNCT
ajis02-2809	439	8	,	,	PUNCT
ajis02-2809	439	9	191–214	191–214	NUM
ajis02-2809	439	10	.	.	PUNCT
ajis02-2809	440	1	https://doi.org/10.1108/09564231311323962	https://doi.org/10.1108/09564231311323962	PROPN
ajis02-2809	440	2	johnson	johnson	PROPN
ajis02-2809	440	3	,	,	PUNCT
ajis02-2809	440	4	v.	v.	PROPN
ajis02-2809	440	5	l.	l.	PROPN
ajis02-2809	440	6	,	,	PUNCT
ajis02-2809	440	7	kiser	kiser	PROPN
ajis02-2809	440	8	,	,	PUNCT
ajis02-2809	440	9	a.	a.	PROPN
ajis02-2809	440	10	,	,	PUNCT
ajis02-2809	440	11	washington	washington	PROPN
ajis02-2809	440	12	,	,	PUNCT
ajis02-2809	440	13	r.	r.	PROPN
ajis02-2809	440	14	,	,	PUNCT
ajis02-2809	440	15	&	&	CCONJ
ajis02-2809	440	16	torres	torres	PROPN
ajis02-2809	440	17	,	,	PUNCT
ajis02-2809	440	18	r.	r.	PROPN
ajis02-2809	440	19	(	(	PUNCT
ajis02-2809	440	20	2018	2018	NUM
ajis02-2809	440	21	)	)	PUNCT
ajis02-2809	440	22	.	.	PUNCT
ajis02-2809	441	1	limitations	limitation	NOUN
ajis02-2809	441	2	to	to	ADP
ajis02-2809	441	3	the	the	DET
ajis02-2809	441	4	rapid	rapid	ADJ
ajis02-2809	441	5	adoption	adoption	NOUN
ajis02-2809	441	6	of	of	ADP
ajis02-2809	441	7	m	m	NOUN
ajis02-2809	441	8	-	-	PUNCT
ajis02-2809	441	9	payment	payment	NOUN
ajis02-2809	441	10	services	service	NOUN
ajis02-2809	441	11	:	:	PUNCT
ajis02-2809	441	12	understanding	understand	VERB
ajis02-2809	441	13	the	the	DET
ajis02-2809	441	14	impact	impact	NOUN
ajis02-2809	441	15	of	of	ADP
ajis02-2809	441	16	privacy	privacy	NOUN
ajis02-2809	441	17	risk	risk	NOUN
ajis02-2809	441	18	on	on	ADP
ajis02-2809	441	19	m	m	ADJ
ajis02-2809	441	20	-	-	PUNCT
ajis02-2809	441	21	payment	payment	NOUN
ajis02-2809	441	22	services	service	NOUN
ajis02-2809	441	23	.	.	PUNCT
ajis02-2809	442	1	computers	computer	NOUN
ajis02-2809	442	2	in	in	ADP
ajis02-2809	442	3	human	human	ADJ
ajis02-2809	442	4	behavior	behavior	NOUN
ajis02-2809	442	5	.	.	PUNCT
ajis02-2809	443	1	https://doi.org/10.1016/j.chb.2017.10.035	https://doi.org/10.1016/j.chb.2017.10.035	PROPN
ajis02-2809	443	2	kaufmann	kaufmann	PROPN
ajis02-2809	443	3	,	,	PUNCT
ajis02-2809	443	4	h.	h.	PROPN
ajis02-2809	443	5	r.	r.	PROPN
ajis02-2809	443	6	(	(	PUNCT
ajis02-2809	443	7	2014	2014	NUM
ajis02-2809	443	8	)	)	PUNCT
ajis02-2809	443	9	.	.	PUNCT
ajis02-2809	444	1	handbook	handbook	NOUN
ajis02-2809	444	2	of	of	ADP
ajis02-2809	444	3	research	research	NOUN
ajis02-2809	444	4	on	on	ADP
ajis02-2809	444	5	managing	manage	VERB
ajis02-2809	444	6	and	and	CCONJ
ajis02-2809	444	7	influencing	influence	VERB
ajis02-2809	444	8	consumer	consumer	NOUN
ajis02-2809	444	9	behavior	behavior	NOUN
ajis02-2809	444	10	.	.	PUNCT
ajis02-2809	445	1	in	in	ADP
ajis02-2809	445	2	handbook	handbook	NOUN
ajis02-2809	445	3	of	of	ADP
ajis02-2809	445	4	research	research	NOUN
ajis02-2809	445	5	on	on	ADP
ajis02-2809	445	6	managing	manage	VERB
ajis02-2809	445	7	and	and	CCONJ
ajis02-2809	445	8	influencing	influence	VERB
ajis02-2809	445	9	consumer	consumer	NOUN
ajis02-2809	445	10	behavior	behavior	NOUN
ajis02-2809	445	11	.	.	PUNCT
ajis02-2809	446	1	https://doi.org/10.4018/978-1-4666-6547-7	https://doi.org/10.4018/978-1-4666-6547-7	PROPN
ajis02-2809	446	2	kim	kim	PROPN
ajis02-2809	446	3	,	,	PUNCT
ajis02-2809	446	4	c.	c.	PROPN
ajis02-2809	446	5	,	,	PUNCT
ajis02-2809	446	6	mirusmonov	mirusmonov	PROPN
ajis02-2809	446	7	,	,	PUNCT
ajis02-2809	446	8	m.	m.	NOUN
ajis02-2809	446	9	,	,	PUNCT
ajis02-2809	446	10	&	&	CCONJ
ajis02-2809	446	11	lee	lee	PROPN
ajis02-2809	446	12	,	,	PUNCT
ajis02-2809	446	13	i.	i.	PROPN
ajis02-2809	446	14	(	(	PUNCT
ajis02-2809	446	15	2010	2010	NUM
ajis02-2809	446	16	)	)	PUNCT
ajis02-2809	446	17	.	.	PUNCT
ajis02-2809	447	1	an	an	DET
ajis02-2809	447	2	empirical	empirical	ADJ
ajis02-2809	447	3	examination	examination	NOUN
ajis02-2809	447	4	of	of	ADP
ajis02-2809	447	5	factors	factor	NOUN
ajis02-2809	447	6	influencing	influence	VERB
ajis02-2809	447	7	the	the	DET
ajis02-2809	447	8	intention	intention	NOUN
ajis02-2809	447	9	to	to	PART
ajis02-2809	447	10	use	use	VERB
ajis02-2809	447	11	mobile	mobile	ADJ
ajis02-2809	447	12	payment	payment	NOUN
ajis02-2809	447	13	.	.	PUNCT
ajis02-2809	448	1	computers	computer	NOUN
ajis02-2809	448	2	in	in	ADP
ajis02-2809	448	3	human	human	ADJ
ajis02-2809	448	4	behavior	behavior	NOUN
ajis02-2809	448	5	,	,	PUNCT
ajis02-2809	448	6	26(3	26(3	NUM
ajis02-2809	448	7	)	)	PUNCT
ajis02-2809	448	8	,	,	PUNCT
ajis02-2809	448	9	310–322	310–322	NUM
ajis02-2809	448	10	.	.	PUNCT
ajis02-2809	449	1	https://doi.org/10.1016/j.chb.2009.10.013	https://doi.org/10.1016/j.chb.2009.10.013	PROPN
ajis02-2809	449	2	kim	kim	PROPN
ajis02-2809	449	3	,	,	PUNCT
ajis02-2809	449	4	h.	h.	PROPN
ajis02-2809	449	5	w.	w.	PROPN
ajis02-2809	449	6	,	,	PUNCT
ajis02-2809	449	7	chan	chan	PROPN
ajis02-2809	449	8	,	,	PUNCT
ajis02-2809	449	9	h.	h.	PROPN
ajis02-2809	449	10	c.	c.	PROPN
ajis02-2809	449	11	,	,	PUNCT
ajis02-2809	449	12	&	&	CCONJ
ajis02-2809	449	13	gupta	gupta	PROPN
ajis02-2809	449	14	,	,	PUNCT
ajis02-2809	449	15	s.	s.	PROPN
ajis02-2809	449	16	(	(	PUNCT
ajis02-2809	449	17	2007	2007	NUM
ajis02-2809	449	18	)	)	PUNCT
ajis02-2809	449	19	.	.	PUNCT
ajis02-2809	450	1	value	value	NOUN
ajis02-2809	450	2	-	-	PUNCT
ajis02-2809	450	3	based	base	VERB
ajis02-2809	450	4	adoption	adoption	NOUN
ajis02-2809	450	5	of	of	ADP
ajis02-2809	450	6	mobile	mobile	ADJ
ajis02-2809	450	7	internet	internet	NOUN
ajis02-2809	450	8	:	:	PUNCT
ajis02-2809	450	9	an	an	DET
ajis02-2809	450	10	empirical	empirical	ADJ
ajis02-2809	450	11	investigation	investigation	NOUN
ajis02-2809	450	12	.	.	PUNCT
ajis02-2809	451	1	decision	decision	NOUN
ajis02-2809	451	2	support	support	NOUN
ajis02-2809	451	3	systems	system	NOUN
ajis02-2809	451	4	,	,	PUNCT
ajis02-2809	451	5	43(1	43(1	NOUN
ajis02-2809	451	6	)	)	PUNCT
ajis02-2809	451	7	,	,	PUNCT
ajis02-2809	451	8	111–126	111–126	NUM
ajis02-2809	451	9	.	.	PUNCT
ajis02-2809	452	1	https://doi.org/10.1016/j.dss.2005.05.009	https://doi.org/10.1016/j.dss.2005.05.009	PROPN
ajis02-2809	452	2	kumar	kumar	PROPN
ajis02-2809	452	3	,	,	PUNCT
ajis02-2809	452	4	r.	r.	PROPN
ajis02-2809	452	5	,	,	PUNCT
ajis02-2809	452	6	sachan	sachan	NOUN
ajis02-2809	452	7	,	,	PUNCT
ajis02-2809	452	8	a.	a.	NOUN
ajis02-2809	452	9	,	,	PUNCT
ajis02-2809	452	10	&	&	CCONJ
ajis02-2809	452	11	kumar	kumar	PROPN
ajis02-2809	452	12	,	,	PUNCT
ajis02-2809	452	13	r.	r.	PROPN
ajis02-2809	452	14	(	(	PUNCT
ajis02-2809	452	15	2020	2020	NUM
ajis02-2809	452	16	)	)	PUNCT
ajis02-2809	452	17	.	.	PUNCT
ajis02-2809	453	1	impact	impact	NOUN
ajis02-2809	453	2	of	of	ADP
ajis02-2809	453	3	service	service	NOUN
ajis02-2809	453	4	delivery	delivery	NOUN
ajis02-2809	453	5	system	system	NOUN
ajis02-2809	453	6	process	process	NOUN
ajis02-2809	453	7	and	and	CCONJ
ajis02-2809	453	8	moderating	moderate	VERB
ajis02-2809	453	9	effect	effect	NOUN
ajis02-2809	453	10	of	of	ADP
ajis02-2809	453	11	perceived	perceive	VERB
ajis02-2809	453	12	value	value	NOUN
ajis02-2809	453	13	in	in	ADP
ajis02-2809	453	14	internet	internet	NOUN
ajis02-2809	453	15	banking	banking	NOUN
ajis02-2809	453	16	adoption	adoption	NOUN
ajis02-2809	453	17	.	.	PUNCT
ajis02-2809	454	1	australasian	australasian	ADJ
ajis02-2809	454	2	journal	journal	NOUN
ajis02-2809	454	3	of	of	ADP
ajis02-2809	454	4	information	information	NOUN
ajis02-2809	454	5	systems	system	NOUN
ajis02-2809	454	6	,	,	PUNCT
ajis02-2809	454	7	24	24	NUM
ajis02-2809	454	8	.	.	PUNCT
ajis02-2809	454	9	https://doi.org/10.3127/ajis.v24i0.1923	https://doi.org/10.3127/ajis.v24i0.1923	PRON
ajis02-2809	455	1	lai	lai	PROPN
ajis02-2809	455	2	,	,	PUNCT
ajis02-2809	455	3	p.	p.	PROPN
ajis02-2809	455	4	c.	c.	PROPN
ajis02-2809	455	5	(	(	PUNCT
ajis02-2809	455	6	2017	2017	NUM
ajis02-2809	455	7	)	)	PUNCT
ajis02-2809	455	8	.	.	PUNCT
ajis02-2809	456	1	security	security	NOUN
ajis02-2809	456	2	as	as	ADP
ajis02-2809	456	3	an	an	DET
ajis02-2809	456	4	extension	extension	NOUN
ajis02-2809	456	5	to	to	ADP
ajis02-2809	456	6	tam	tam	PROPN
ajis02-2809	456	7	model	model	NOUN
ajis02-2809	456	8	:	:	PUNCT
ajis02-2809	456	9	consumers	consumer	NOUN
ajis02-2809	456	10	’	’	PART
ajis02-2809	456	11	intention	intention	NOUN
ajis02-2809	456	12	to	to	PART
ajis02-2809	456	13	use	use	VERB
ajis02-2809	456	14	a	a	DET
ajis02-2809	456	15	single	single	ADJ
ajis02-2809	456	16	platform	platform	NOUN
ajis02-2809	456	17	e	e	NOUN
ajis02-2809	456	18	-	-	NOUN
ajis02-2809	456	19	payment	payment	NOUN
ajis02-2809	456	20	.	.	PUNCT
ajis02-2809	457	1	asia	asia	PROPN
ajis02-2809	457	2	-	-	PUNCT
ajis02-2809	457	3	pacific	pacific	PROPN
ajis02-2809	457	4	journal	journal	PROPN
ajis02-2809	457	5	of	of	ADP
ajis02-2809	457	6	management	management	NOUN
ajis02-2809	457	7	research	research	NOUN
ajis02-2809	457	8	and	and	CCONJ
ajis02-2809	457	9	innovation	innovation	NOUN
ajis02-2809	457	10	,	,	PUNCT
ajis02-2809	457	11	13(3–4	13(3–4	NUM
ajis02-2809	457	12	)	)	PUNCT
ajis02-2809	457	13	,	,	PUNCT
ajis02-2809	457	14	110–119	110–119	NUM
ajis02-2809	457	15	.	.	PUNCT
ajis02-2809	458	1	https://doi.org/10.1177/2319510x18776405	https://doi.org/10.1177/2319510x18776405	PROPN
ajis02-2809	458	2	lai	lai	PROPN
ajis02-2809	458	3	,	,	PUNCT
ajis02-2809	458	4	p.	p.	PROPN
ajis02-2809	458	5	c.	c.	PROPN
ajis02-2809	458	6	,	,	PUNCT
ajis02-2809	458	7	&	&	CCONJ
ajis02-2809	458	8	scheela	scheela	PROPN
ajis02-2809	458	9	,	,	PUNCT
ajis02-2809	458	10	w.	w.	PROPN
ajis02-2809	458	11	(	(	PUNCT
ajis02-2809	458	12	2018	2018	NUM
ajis02-2809	458	13	)	)	PUNCT
ajis02-2809	458	14	.	.	PUNCT
ajis02-2809	459	1	convergence	convergence	NOUN
ajis02-2809	459	2	of	of	ADP
ajis02-2809	459	3	technology	technology	NOUN
ajis02-2809	459	4	in	in	ADP
ajis02-2809	459	5	the	the	DET
ajis02-2809	459	6	e	e	PROPN
ajis02-2809	459	7	-	-	PROPN
ajis02-2809	459	8	commerce	commerce	NOUN
ajis02-2809	459	9	world	world	NOUN
ajis02-2809	459	10	and	and	CCONJ
ajis02-2809	459	11	venture	venture	NOUN
ajis02-2809	459	12	capital	capital	NOUN
ajis02-2809	459	13	landscape	landscape	NOUN
ajis02-2809	459	14	in	in	ADP
ajis02-2809	459	15	south	south	PROPN
ajis02-2809	459	16	east	east	PROPN
ajis02-2809	459	17	asia	asia	PROPN
ajis02-2809	459	18	.	.	PUNCT
ajis02-2809	460	1	in	in	ADP
ajis02-2809	460	2	global	global	ADJ
ajis02-2809	460	3	entrepreneurship	entrepreneurship	NOUN
ajis02-2809	460	4	and	and	CCONJ
ajis02-2809	460	5	new	new	ADJ
ajis02-2809	460	6	australasian	australasian	ADJ
ajis02-2809	460	7	journal	journal	NOUN
ajis02-2809	460	8	of	of	ADP
ajis02-2809	460	9	information	information	NOUN
ajis02-2809	460	10	systems	systems	PROPN
ajis02-2809	460	11	lai	lai	PROPN
ajis02-2809	460	12	&	&	CCONJ
ajis02-2809	460	13	liew	liew	PROPN
ajis02-2809	460	14	2021	2021	NUM
ajis02-2809	460	15	,	,	PUNCT
ajis02-2809	460	16	vol	vol	NOUN
ajis02-2809	460	17	25	25	NUM
ajis02-2809	460	18	,	,	PUNCT
ajis02-2809	460	19	research	research	NOUN
ajis02-2809	460	20	article	article	NOUN
ajis02-2809	460	21	towards	towards	ADP
ajis02-2809	460	22	a	a	DET
ajis02-2809	460	23	cashless	cashless	NOUN
ajis02-2809	460	24	society	society	NOUN
ajis02-2809	460	25	22	22	NUM
ajis02-2809	460	26	venture	venture	NOUN
ajis02-2809	460	27	creation	creation	NOUN
ajis02-2809	460	28	in	in	ADP
ajis02-2809	460	29	the	the	DET
ajis02-2809	460	30	sharing	sharing	NOUN
ajis02-2809	460	31	economy	economy	NOUN
ajis02-2809	460	32	(	(	PUNCT
ajis02-2809	460	33	pp	pp	ADJ
ajis02-2809	460	34	.	.	PUNCT
ajis02-2809	460	35	149–268	149–268	NUM
ajis02-2809	460	36	)	)	PUNCT
ajis02-2809	460	37	.	.	PUNCT
ajis02-2809	461	1	retrieved	retrieve	VERB
ajis02-2809	461	2	from	from	ADP
ajis02-2809	461	3	https://www.igi-global.com/chapter/convergence-of-technology-in-the-e-commerceworld-and-venture-capital-landscape-in-south-east-asia/186365	https://www.igi-global.com/chapter/convergence-of-technology-in-the-e-commerceworld-and-venture-capital-landscape-in-south-east-asia/186365	PROPN
ajis02-2809	461	4	lai	lai	PROPN
ajis02-2809	461	5	,	,	PUNCT
ajis02-2809	461	6	p.	p.	PROPN
ajis02-2809	461	7	c.	c.	PROPN
ajis02-2809	461	8	,	,	PUNCT
ajis02-2809	461	9	toh	toh	PROPN
ajis02-2809	461	10	,	,	PUNCT
ajis02-2809	461	11	e.	e.	PROPN
ajis02-2809	461	12	b.	b.	PROPN
ajis02-2809	461	13	h.	h.	PROPN
ajis02-2809	461	14	,	,	PUNCT
ajis02-2809	461	15	&	&	CCONJ
ajis02-2809	461	16	alkhrabsheh	alkhrabsheh	PROPN
ajis02-2809	461	17	,	,	PUNCT
ajis02-2809	461	18	a.	a.	NOUN
ajis02-2809	461	19	a.	a.	NOUN
ajis02-2809	461	20	(	(	PUNCT
ajis02-2809	461	21	2019	2019	NUM
ajis02-2809	461	22	)	)	PUNCT
ajis02-2809	461	23	.	.	PUNCT
ajis02-2809	462	1	empirical	empirical	ADJ
ajis02-2809	462	2	study	study	NOUN
ajis02-2809	462	3	of	of	ADP
ajis02-2809	462	4	single	single	ADJ
ajis02-2809	462	5	platform	platform	NOUN
ajis02-2809	462	6	epayment	epayment	NOUN
ajis02-2809	462	7	in	in	ADP
ajis02-2809	462	8	south	south	PROPN
ajis02-2809	462	9	east	east	PROPN
ajis02-2809	462	10	asia	asia	PROPN
ajis02-2809	462	11	.	.	PUNCT
ajis02-2809	463	1	in	in	ADP
ajis02-2809	463	2	r.	r.	PROPN
ajis02-2809	463	3	c.	c.	PROPN
ajis02-2809	463	4	ho	ho	PROPN
ajis02-2809	463	5	(	(	PUNCT
ajis02-2809	463	6	ed	ed	NOUN
ajis02-2809	463	7	.	.	PUNCT
ajis02-2809	463	8	)	)	PUNCT
ajis02-2809	463	9	,	,	PUNCT
ajis02-2809	463	10	strategies	strategy	NOUN
ajis02-2809	463	11	and	and	CCONJ
ajis02-2809	463	12	tools	tool	NOUN
ajis02-2809	463	13	for	for	ADP
ajis02-2809	463	14	managing	manage	VERB
ajis02-2809	463	15	connected	connect	VERB
ajis02-2809	463	16	consumers	consumer	NOUN
ajis02-2809	463	17	(	(	PUNCT
ajis02-2809	463	18	pp	pp	ADV
ajis02-2809	463	19	.	.	PUNCT
ajis02-2809	464	1	252–278	252–278	NUM
ajis02-2809	464	2	)	)	PUNCT
ajis02-2809	464	3	.	.	PUNCT
ajis02-2809	465	1	https://doi.org/10.4018/978-1-5225-9697-4.ch015	https://doi.org/10.4018/978-1-5225-9697-4.ch015	PROPN
ajis02-2809	465	2	lee	lee	PROPN
ajis02-2809	465	3	,	,	PUNCT
ajis02-2809	465	4	z.	z.	PROPN
ajis02-2809	465	5	w.	w.	PROPN
ajis02-2809	465	6	,	,	PUNCT
ajis02-2809	465	7	&	&	CCONJ
ajis02-2809	465	8	khaw	khaw	PROPN
ajis02-2809	465	9	,	,	PUNCT
ajis02-2809	465	10	d.	d.	PROPN
ajis02-2809	465	11	p.	p.	PROPN
ajis02-2809	465	12	t.	t.	PROPN
ajis02-2809	465	13	(	(	PUNCT
ajis02-2809	465	14	2018	2018	NUM
ajis02-2809	465	15	)	)	PUNCT
ajis02-2809	465	16	.	.	PUNCT
ajis02-2809	466	1	transforming	transform	VERB
ajis02-2809	466	2	mobile	mobile	ADJ
ajis02-2809	466	3	phones	phone	NOUN
ajis02-2809	466	4	into	into	ADP
ajis02-2809	466	5	e	e	NOUN
ajis02-2809	466	6	-	-	NOUN
ajis02-2809	466	7	wallets	wallet	NOUN
ajis02-2809	466	8	in	in	ADP
ajis02-2809	466	9	malaysia	malaysia	PROPN
ajis02-2809	466	10	.	.	PUNCT
ajis02-2809	467	1	retrieved	retrieve	VERB
ajis02-2809	467	2	from	from	ADP
ajis02-2809	467	3	https://www.bnm.gov.my/files/publication/qb/2018/q2/p7.pdf	https://www.bnm.gov.my/files/publication/qb/2018/q2/p7.pdf	PROPN
ajis02-2809	467	4	.	.	PUNCT
ajis02-2809	468	1	lemon	lemon	PROPN
ajis02-2809	468	2	,	,	PUNCT
ajis02-2809	468	3	k.	k.	PROPN
ajis02-2809	468	4	n.	n.	PROPN
ajis02-2809	468	5	,	,	PUNCT
ajis02-2809	468	6	&	&	CCONJ
ajis02-2809	468	7	verhoef	verhoef	PROPN
ajis02-2809	468	8	,	,	PUNCT
ajis02-2809	468	9	p.	p.	PROPN
ajis02-2809	468	10	c.	c.	PROPN
ajis02-2809	468	11	(	(	PUNCT
ajis02-2809	468	12	2016	2016	NUM
ajis02-2809	468	13	)	)	PUNCT
ajis02-2809	468	14	.	.	PUNCT
ajis02-2809	469	1	understanding	understand	VERB
ajis02-2809	469	2	customer	customer	NOUN
ajis02-2809	469	3	experience	experience	NOUN
ajis02-2809	469	4	throughout	throughout	ADP
ajis02-2809	469	5	the	the	DET
ajis02-2809	469	6	customer	customer	NOUN
ajis02-2809	469	7	journey	journey	NOUN
ajis02-2809	469	8	.	.	PUNCT
ajis02-2809	470	1	journal	journal	PROPN
ajis02-2809	470	2	of	of	ADP
ajis02-2809	470	3	marketing	marketing	NOUN
ajis02-2809	470	4	,	,	PUNCT
ajis02-2809	470	5	80(6	80(6	NOUN
ajis02-2809	470	6	)	)	PUNCT
ajis02-2809	470	7	,	,	PUNCT
ajis02-2809	470	8	69–96	69–96	NUM
ajis02-2809	470	9	.	.	PUNCT
ajis02-2809	471	1	https://doi.org/10.1509/jm.15.0420	https://doi.org/10.1509/jm.15.0420	ADP
ajis02-2809	471	2	liew	liew	PROPN
ajis02-2809	471	3	,	,	PUNCT
ajis02-2809	471	4	e.	e.	PROPN
ajis02-2809	471	5	j.	j.	PROPN
ajis02-2809	471	6	y.	y.	PROPN
ajis02-2809	471	7	,	,	PUNCT
ajis02-2809	471	8	vaithilingam	vaithilingam	ADV
ajis02-2809	471	9	,	,	PUNCT
ajis02-2809	471	10	s.	s.	PROPN
ajis02-2809	471	11	,	,	PUNCT
ajis02-2809	471	12	&	&	CCONJ
ajis02-2809	471	13	nair	nair	PROPN
ajis02-2809	471	14	,	,	PUNCT
ajis02-2809	471	15	m.	m.	NOUN
ajis02-2809	471	16	(	(	PUNCT
ajis02-2809	471	17	2014	2014	NUM
ajis02-2809	471	18	)	)	PUNCT
ajis02-2809	471	19	.	.	PUNCT
ajis02-2809	472	1	facebook	facebook	NOUN
ajis02-2809	472	2	and	and	CCONJ
ajis02-2809	472	3	socio	socio	NOUN
ajis02-2809	472	4	-	-	PUNCT
ajis02-2809	472	5	economic	economic	ADJ
ajis02-2809	472	6	benefits	benefit	NOUN
ajis02-2809	472	7	in	in	ADP
ajis02-2809	472	8	the	the	DET
ajis02-2809	472	9	developing	develop	VERB
ajis02-2809	472	10	world	world	NOUN
ajis02-2809	472	11	.	.	PUNCT
ajis02-2809	473	1	behaviour	behaviour	NOUN
ajis02-2809	473	2	&	&	CCONJ
ajis02-2809	473	3	information	information	PROPN
ajis02-2809	473	4	technology	technology	NOUN
ajis02-2809	473	5	,	,	PUNCT
ajis02-2809	473	6	33(4	33(4	NUM
ajis02-2809	473	7	)	)	PUNCT
ajis02-2809	473	8	,	,	PUNCT
ajis02-2809	473	9	345–360	345–360	NUM
ajis02-2809	473	10	.	.	PUNCT
ajis02-2809	474	1	https://doi.org/10.1080/0144929x.2013.810775	https://doi.org/10.1080/0144929x.2013.810775	PROPN
ajis02-2809	474	2	lim	lim	PROPN
ajis02-2809	474	3	,	,	PUNCT
ajis02-2809	474	4	w.	w.	PROPN
ajis02-2809	474	5	m.	m.	PROPN
ajis02-2809	474	6	(	(	PUNCT
ajis02-2809	474	7	2018	2018	NUM
ajis02-2809	474	8	)	)	PUNCT
ajis02-2809	474	9	.	.	PUNCT
ajis02-2809	475	1	dialectic	dialectic	ADJ
ajis02-2809	475	2	antidotes	antidote	NOUN
ajis02-2809	475	3	to	to	ADP
ajis02-2809	475	4	critics	critic	NOUN
ajis02-2809	475	5	of	of	ADP
ajis02-2809	475	6	the	the	DET
ajis02-2809	475	7	technology	technology	NOUN
ajis02-2809	475	8	acceptance	acceptance	NOUN
ajis02-2809	475	9	model	model	NOUN
ajis02-2809	475	10	:	:	PUNCT
ajis02-2809	475	11	conceptual	conceptual	ADJ
ajis02-2809	475	12	,	,	PUNCT
ajis02-2809	475	13	methodological	methodological	ADJ
ajis02-2809	475	14	,	,	PUNCT
ajis02-2809	475	15	and	and	CCONJ
ajis02-2809	475	16	replication	replication	NOUN
ajis02-2809	475	17	treatments	treatment	NOUN
ajis02-2809	475	18	for	for	ADP
ajis02-2809	475	19	behavioural	behavioural	ADJ
ajis02-2809	475	20	modelling	modelling	NOUN
ajis02-2809	475	21	in	in	ADP
ajis02-2809	475	22	technology	technology	NOUN
ajis02-2809	475	23	-	-	PUNCT
ajis02-2809	475	24	mediated	mediate	VERB
ajis02-2809	475	25	environments	environment	NOUN
ajis02-2809	475	26	.	.	PUNCT
ajis02-2809	476	1	australasian	australasian	ADJ
ajis02-2809	476	2	journal	journal	NOUN
ajis02-2809	476	3	of	of	ADP
ajis02-2809	476	4	information	information	NOUN
ajis02-2809	476	5	systems	system	NOUN
ajis02-2809	476	6	,	,	PUNCT
ajis02-2809	476	7	22	22	NUM
ajis02-2809	476	8	.	.	PUNCT
ajis02-2809	477	1	https://doi.org/10.3127/ajis.v22i0.1651	https://doi.org/10.3127/ajis.v22i0.1651	NOUN
ajis02-2809	477	2	linger	linger	ADJ
ajis02-2809	477	3	,	,	PUNCT
ajis02-2809	477	4	h.	h.	PROPN
ajis02-2809	477	5	,	,	PUNCT
ajis02-2809	477	6	&	&	CCONJ
ajis02-2809	477	7	hasan	hasan	PROPN
ajis02-2809	477	8	,	,	PUNCT
ajis02-2809	477	9	h.	h.	PROPN
ajis02-2809	477	10	(	(	PUNCT
ajis02-2809	477	11	2020	2020	NUM
ajis02-2809	477	12	)	)	PUNCT
ajis02-2809	477	13	.	.	PUNCT
ajis02-2809	478	1	making	make	VERB
ajis02-2809	478	2	is	be	AUX
ajis02-2809	478	3	relevant	relevant	ADJ
ajis02-2809	478	4	in	in	ADP
ajis02-2809	478	5	a	a	DET
ajis02-2809	478	6	connected	connected	ADJ
ajis02-2809	478	7	world	world	NOUN
ajis02-2809	478	8	.	.	PUNCT
ajis02-2809	479	1	australasian	australasian	ADJ
ajis02-2809	479	2	journal	journal	NOUN
ajis02-2809	479	3	of	of	ADP
ajis02-2809	479	4	information	information	NOUN
ajis02-2809	479	5	systems	system	NOUN
ajis02-2809	479	6	,	,	PUNCT
ajis02-2809	479	7	24	24	NUM
ajis02-2809	479	8	.	.	PUNCT
ajis02-2809	479	9	https://doi.org/10.3127/ajis.v24i0.2509	https://doi.org/10.3127/ajis.v24i0.2509	PROPN
ajis02-2809	480	1	liu	liu	PROPN
ajis02-2809	480	2	,	,	PUNCT
ajis02-2809	480	3	z.	z.	PROPN
ajis02-2809	480	4	,	,	PUNCT
ajis02-2809	480	5	ben	ben	PROPN
ajis02-2809	480	6	,	,	PUNCT
ajis02-2809	480	7	s.	s.	PROPN
ajis02-2809	480	8	,	,	PUNCT
ajis02-2809	480	9	&	&	CCONJ
ajis02-2809	480	10	zhang	zhang	PROPN
ajis02-2809	480	11	,	,	PUNCT
ajis02-2809	480	12	r.	r.	PROPN
ajis02-2809	480	13	(	(	PUNCT
ajis02-2809	480	14	2019	2019	NUM
ajis02-2809	480	15	)	)	PUNCT
ajis02-2809	480	16	.	.	PUNCT
ajis02-2809	481	1	factors	factor	NOUN
ajis02-2809	481	2	affecting	affect	VERB
ajis02-2809	481	3	consumers	consumer	NOUN
ajis02-2809	481	4	’	’	PART
ajis02-2809	481	5	mobile	mobile	ADJ
ajis02-2809	481	6	payment	payment	NOUN
ajis02-2809	481	7	behavior	behavior	NOUN
ajis02-2809	481	8	:	:	PUNCT
ajis02-2809	481	9	a	a	DET
ajis02-2809	481	10	meta	meta	ADJ
ajis02-2809	481	11	-	-	PUNCT
ajis02-2809	481	12	analysis	analysis	NOUN
ajis02-2809	481	13	.	.	PUNCT
ajis02-2809	482	1	electronic	electronic	ADJ
ajis02-2809	482	2	commerce	commerce	NOUN
ajis02-2809	482	3	research	research	NOUN
ajis02-2809	482	4	,	,	PUNCT
ajis02-2809	482	5	19(3	19(3	NUM
ajis02-2809	482	6	)	)	PUNCT
ajis02-2809	482	7	,	,	PUNCT
ajis02-2809	482	8	575–601	575–601	NUM
ajis02-2809	482	9	.	.	PUNCT
ajis02-2809	483	1	https://doi.org/10.1007/s10660-019-09349-4	https://doi.org/10.1007/s10660-019-09349-4	NUM
ajis02-2809	483	2	miao	miao	NOUN
ajis02-2809	483	3	,	,	PUNCT
ajis02-2809	483	4	m.	m.	NOUN
ajis02-2809	483	5	,	,	PUNCT
ajis02-2809	483	6	&	&	CCONJ
ajis02-2809	483	7	jayakar	jayakar	PROPN
ajis02-2809	483	8	,	,	PUNCT
ajis02-2809	483	9	k.	k.	PROPN
ajis02-2809	483	10	(	(	PUNCT
ajis02-2809	483	11	2016	2016	NUM
ajis02-2809	483	12	)	)	PUNCT
ajis02-2809	483	13	.	.	PUNCT
ajis02-2809	484	1	mobile	mobile	ADJ
ajis02-2809	484	2	payments	payment	NOUN
ajis02-2809	484	3	in	in	ADP
ajis02-2809	484	4	japan	japan	PROPN
ajis02-2809	484	5	,	,	PUNCT
ajis02-2809	484	6	south	south	PROPN
ajis02-2809	484	7	korea	korea	PROPN
ajis02-2809	484	8	and	and	CCONJ
ajis02-2809	484	9	china	china	PROPN
ajis02-2809	484	10	:	:	PUNCT
ajis02-2809	484	11	crossborder	crossborder	NOUN
ajis02-2809	484	12	convergence	convergence	NOUN
ajis02-2809	484	13	or	or	CCONJ
ajis02-2809	484	14	divergence	divergence	NOUN
ajis02-2809	484	15	of	of	ADP
ajis02-2809	484	16	business	business	NOUN
ajis02-2809	484	17	models	model	NOUN
ajis02-2809	484	18	?	?	PUNCT
ajis02-2809	485	1	telecommunications	telecommunication	NOUN
ajis02-2809	485	2	policy	policy	NOUN
ajis02-2809	485	3	,	,	PUNCT
ajis02-2809	485	4	40(2–3	40(2–3	PROPN
ajis02-2809	485	5	)	)	PUNCT
ajis02-2809	485	6	,	,	PUNCT
ajis02-2809	485	7	182–196	182–196	NUM
ajis02-2809	485	8	.	.	PUNCT
ajis02-2809	486	1	https://doi.org/10.1016/j.telpol.2015.11.011	https://doi.org/10.1016/j.telpol.2015.11.011	PROPN
ajis02-2809	486	2	morosan	morosan	PROPN
ajis02-2809	486	3	,	,	PUNCT
ajis02-2809	486	4	c.	c.	PROPN
ajis02-2809	486	5	,	,	PUNCT
ajis02-2809	486	6	&	&	CCONJ
ajis02-2809	486	7	defranco	defranco	PROPN
ajis02-2809	486	8	,	,	PUNCT
ajis02-2809	486	9	a.	a.	NOUN
ajis02-2809	486	10	(	(	PUNCT
ajis02-2809	486	11	2016	2016	NUM
ajis02-2809	486	12	)	)	PUNCT
ajis02-2809	486	13	.	.	PUNCT
ajis02-2809	487	1	it	it	PRON
ajis02-2809	487	2	’s	’	VERB
ajis02-2809	487	3	about	about	ADP
ajis02-2809	487	4	time	time	NOUN
ajis02-2809	487	5	:	:	PUNCT
ajis02-2809	487	6	revisiting	revisit	VERB
ajis02-2809	487	7	utaut2	utaut2	NOUN
ajis02-2809	487	8	to	to	PART
ajis02-2809	487	9	examine	examine	VERB
ajis02-2809	487	10	consumers	consumer	NOUN
ajis02-2809	487	11	’	'	PUNCT
ajis02-2809	487	12	intentions	intention	NOUN
ajis02-2809	487	13	to	to	PART
ajis02-2809	487	14	use	use	VERB
ajis02-2809	487	15	nfc	nfc	NOUN
ajis02-2809	487	16	mobile	mobile	ADJ
ajis02-2809	487	17	payments	payment	NOUN
ajis02-2809	487	18	in	in	ADP
ajis02-2809	487	19	hotels	hotel	NOUN
ajis02-2809	487	20	.	.	PUNCT
ajis02-2809	488	1	international	international	ADJ
ajis02-2809	488	2	journal	journal	PROPN
ajis02-2809	488	3	of	of	ADP
ajis02-2809	488	4	hospitality	hospitality	PROPN
ajis02-2809	488	5	management	management	NOUN
ajis02-2809	488	6	,	,	PUNCT
ajis02-2809	488	7	53	53	NUM
ajis02-2809	488	8	,	,	PUNCT
ajis02-2809	488	9	17–29	17–29	NUM
ajis02-2809	488	10	.	.	PUNCT
ajis02-2809	489	1	https://doi.org/10.1016/j.ijhm.2015.11.003	https://doi.org/10.1016/j.ijhm.2015.11.003	NUM
ajis02-2809	489	2	mukerji	mukerji	NOUN
ajis02-2809	489	3	,	,	PUNCT
ajis02-2809	489	4	m.	m.	NOUN
ajis02-2809	489	5	,	,	PUNCT
ajis02-2809	489	6	&	&	CCONJ
ajis02-2809	489	7	roy	roy	PROPN
ajis02-2809	489	8	,	,	PUNCT
ajis02-2809	489	9	p.	p.	PROPN
ajis02-2809	489	10	s.	s.	PROPN
ajis02-2809	489	11	(	(	PUNCT
ajis02-2809	489	12	2019	2019	NUM
ajis02-2809	489	13	)	)	PUNCT
ajis02-2809	489	14	.	.	PUNCT
ajis02-2809	490	1	platform	platform	NOUN
ajis02-2809	490	2	interactions	interaction	NOUN
ajis02-2809	490	3	and	and	CCONJ
ajis02-2809	490	4	emergence	emergence	NOUN
ajis02-2809	490	5	of	of	ADP
ajis02-2809	490	6	an	an	DET
ajis02-2809	490	7	organizational	organizational	ADJ
ajis02-2809	490	8	field	field	NOUN
ajis02-2809	490	9	:	:	PUNCT
ajis02-2809	490	10	case	case	NOUN
ajis02-2809	490	11	study	study	NOUN
ajis02-2809	490	12	on	on	ADP
ajis02-2809	490	13	ola	ola	PROPN
ajis02-2809	490	14	.	.	PUNCT
ajis02-2809	491	1	australasian	australasian	ADJ
ajis02-2809	491	2	journal	journal	NOUN
ajis02-2809	491	3	of	of	ADP
ajis02-2809	491	4	information	information	NOUN
ajis02-2809	491	5	systems	system	NOUN
ajis02-2809	491	6	,	,	PUNCT
ajis02-2809	491	7	23	23	NUM
ajis02-2809	491	8	.	.	PUNCT
ajis02-2809	492	1	https://doi.org/10.3127/ajis.v23i0.2113	https://doi.org/10.3127/ajis.v23i0.2113	PROPN
ajis02-2809	492	2	nakamoto	nakamoto	PROPN
ajis02-2809	492	3	,	,	PUNCT
ajis02-2809	492	4	s.	s.	PROPN
ajis02-2809	492	5	(	(	PUNCT
ajis02-2809	492	6	2008	2008	NUM
ajis02-2809	492	7	)	)	PUNCT
ajis02-2809	492	8	.	.	PUNCT
ajis02-2809	493	1	bitcoin	bitcoin	NOUN
ajis02-2809	493	2	:	:	PUNCT
ajis02-2809	493	3	a	a	DET
ajis02-2809	493	4	peer	peer	NOUN
ajis02-2809	493	5	-	-	PUNCT
ajis02-2809	493	6	to	to	ADP
ajis02-2809	493	7	-	-	PUNCT
ajis02-2809	493	8	peer	peer	NOUN
ajis02-2809	493	9	electronic	electronic	ADJ
ajis02-2809	493	10	cash	cash	NOUN
ajis02-2809	493	11	system	system	NOUN
ajis02-2809	493	12	.	.	PUNCT
ajis02-2809	494	1	retrieved	retrieve	VERB
ajis02-2809	494	2	november	november	PROPN
ajis02-2809	494	3	20	20	NUM
ajis02-2809	494	4	,	,	PUNCT
ajis02-2809	494	5	2020	2020	NUM
ajis02-2809	494	6	,	,	PUNCT
ajis02-2809	494	7	from	from	ADP
ajis02-2809	494	8	https://www.klausnordby.com/bitcoin/bitcoin_whitepaper_document	https://www.klausnordby.com/bitcoin/bitcoin_whitepaper_document	NOUN
ajis02-2809	494	9	_	_	PUNCT
ajis02-2809	494	10	hd.pdf	hd.pdf	PROPN
ajis02-2809	494	11	.	.	PUNCT
ajis02-2809	495	1	nayal	nayal	PROPN
ajis02-2809	495	2	,	,	PUNCT
ajis02-2809	495	3	p.	p.	PROPN
ajis02-2809	495	4	,	,	PUNCT
ajis02-2809	495	5	pandey	pandey	PROPN
ajis02-2809	495	6	,	,	PUNCT
ajis02-2809	495	7	n.	n.	PROPN
ajis02-2809	495	8	,	,	PUNCT
ajis02-2809	495	9	&	&	CCONJ
ajis02-2809	495	10	paul	paul	PROPN
ajis02-2809	495	11	,	,	PUNCT
ajis02-2809	495	12	j.	j.	PROPN
ajis02-2809	495	13	(	(	PUNCT
ajis02-2809	495	14	2021	2021	NUM
ajis02-2809	495	15	)	)	PUNCT
ajis02-2809	495	16	.	.	PUNCT
ajis02-2809	496	1	examining	examine	VERB
ajis02-2809	496	2	m	m	NOUN
ajis02-2809	496	3	-	-	PUNCT
ajis02-2809	496	4	coupon	coupon	NOUN
ajis02-2809	496	5	redemption	redemption	NOUN
ajis02-2809	496	6	intention	intention	NOUN
ajis02-2809	496	7	among	among	ADP
ajis02-2809	496	8	consumers	consumer	NOUN
ajis02-2809	496	9	:	:	PUNCT
ajis02-2809	496	10	a	a	DET
ajis02-2809	496	11	moderated	moderated	ADJ
ajis02-2809	496	12	moderated	moderate	VERB
ajis02-2809	496	13	-	-	PUNCT
ajis02-2809	496	14	mediation	mediation	NOUN
ajis02-2809	496	15	and	and	CCONJ
ajis02-2809	496	16	conditional	conditional	ADJ
ajis02-2809	496	17	model	model	NOUN
ajis02-2809	496	18	.	.	PUNCT
ajis02-2809	497	1	international	international	ADJ
ajis02-2809	497	2	journal	journal	PROPN
ajis02-2809	497	3	of	of	ADP
ajis02-2809	497	4	information	information	NOUN
ajis02-2809	497	5	management	management	NOUN
ajis02-2809	497	6	,	,	PUNCT
ajis02-2809	497	7	57	57	NUM
ajis02-2809	497	8	,	,	PUNCT
ajis02-2809	497	9	102288-	102288-	NUM
ajis02-2809	497	10	.	.	PUNCT
ajis02-2809	498	1	https://doi.org/10.1016/	https://doi.org/10.1016/	PROPN
ajis02-2809	498	2	j.ijinfomgt.2020.102288	j.ijinfomgt.2020.102288	ADJ
ajis02-2809	498	3	o’reilly	o’reilly	ADV
ajis02-2809	498	4	,	,	PUNCT
ajis02-2809	498	5	p.	p.	PROPN
ajis02-2809	498	6	,	,	PUNCT
ajis02-2809	498	7	duane	duane	PROPN
ajis02-2809	498	8	,	,	PUNCT
ajis02-2809	498	9	a.	a.	PROPN
ajis02-2809	498	10	,	,	PUNCT
ajis02-2809	498	11	&	&	CCONJ
ajis02-2809	498	12	andreev	andreev	PROPN
ajis02-2809	498	13	,	,	PUNCT
ajis02-2809	498	14	p.	p.	NOUN
ajis02-2809	498	15	(	(	PUNCT
ajis02-2809	498	16	2012	2012	NUM
ajis02-2809	498	17	)	)	PUNCT
ajis02-2809	498	18	.	.	PUNCT
ajis02-2809	499	1	to	to	AUX
ajis02-2809	499	2	m	m	NOUN
ajis02-2809	499	3	-	-	VERB
ajis02-2809	499	4	pay	pay	VERB
ajis02-2809	499	5	or	or	CCONJ
ajis02-2809	499	6	not	not	PART
ajis02-2809	499	7	to	to	PART
ajis02-2809	499	8	m	m	NOUN
ajis02-2809	499	9	-	-	PUNCT
ajis02-2809	499	10	pay	pay	VERB
ajis02-2809	499	11	—	—	PUNCT
ajis02-2809	499	12	realising	realise	VERB
ajis02-2809	499	13	the	the	DET
ajis02-2809	499	14	potential	potential	NOUN
ajis02-2809	499	15	of	of	ADP
ajis02-2809	499	16	smart	smart	ADJ
ajis02-2809	499	17	phones	phone	NOUN
ajis02-2809	499	18	:	:	PUNCT
ajis02-2809	499	19	conceptual	conceptual	ADJ
ajis02-2809	499	20	modeling	modeling	NOUN
ajis02-2809	499	21	and	and	CCONJ
ajis02-2809	499	22	empirical	empirical	ADJ
ajis02-2809	499	23	validation	validation	NOUN
ajis02-2809	499	24	.	.	PUNCT
ajis02-2809	500	1	electronic	electronic	ADJ
ajis02-2809	500	2	markets	market	NOUN
ajis02-2809	500	3	,	,	PUNCT
ajis02-2809	500	4	22(4	22(4	NUM
ajis02-2809	500	5	)	)	PUNCT
ajis02-2809	500	6	,	,	PUNCT
ajis02-2809	500	7	229–241	229–241	NUM
ajis02-2809	500	8	.	.	PUNCT
ajis02-2809	501	1	https://doi.org/10.1007/s12525-012-0105-3	https://doi.org/10.1007/s12525-012-0105-3	PROPN
ajis02-2809	501	2	australasian	australasian	ADJ
ajis02-2809	501	3	journal	journal	NOUN
ajis02-2809	501	4	of	of	ADP
ajis02-2809	501	5	information	information	NOUN
ajis02-2809	501	6	systems	systems	PROPN
ajis02-2809	501	7	lai	lai	PROPN
ajis02-2809	501	8	&	&	CCONJ
ajis02-2809	501	9	liew	liew	PROPN
ajis02-2809	501	10	2021	2021	NUM
ajis02-2809	501	11	,	,	PUNCT
ajis02-2809	501	12	vol	vol	NOUN
ajis02-2809	501	13	25	25	NUM
ajis02-2809	501	14	,	,	PUNCT
ajis02-2809	501	15	research	research	NOUN
ajis02-2809	501	16	article	article	NOUN
ajis02-2809	501	17	towards	towards	ADP
ajis02-2809	501	18	a	a	DET
ajis02-2809	501	19	cashless	cashless	NOUN
ajis02-2809	501	20	society	society	NOUN
ajis02-2809	501	21	23	23	NUM
ajis02-2809	501	22	panhwer	panhwer	NOUN
ajis02-2809	501	23	,	,	PUNCT
ajis02-2809	501	24	p.	p.	NOUN
ajis02-2809	501	25	,	,	PUNCT
ajis02-2809	501	26	pitafi	pitafi	PROPN
ajis02-2809	501	27	,	,	PUNCT
ajis02-2809	501	28	a.	a.	NOUN
ajis02-2809	501	29	,	,	PUNCT
ajis02-2809	501	30	memon	memon	PROPN
ajis02-2809	501	31	,	,	PUNCT
ajis02-2809	501	32	m.	m.	NOUN
ajis02-2809	501	33	s.	s.	PROPN
ajis02-2809	501	34	,	,	PUNCT
ajis02-2809	501	35	&	&	CCONJ
ajis02-2809	501	36	memon	memon	PROPN
ajis02-2809	501	37	,	,	PUNCT
ajis02-2809	501	38	a.	a.	NOUN
ajis02-2809	501	39	(	(	PUNCT
ajis02-2809	501	40	2020	2020	NUM
ajis02-2809	501	41	)	)	PUNCT
ajis02-2809	501	42	.	.	PUNCT
ajis02-2809	502	1	awareness	awareness	NOUN
ajis02-2809	502	2	and	and	CCONJ
ajis02-2809	502	3	reason	reason	NOUN
ajis02-2809	502	4	towards	towards	ADP
ajis02-2809	502	5	slow	slow	ADJ
ajis02-2809	502	6	adoption	adoption	NOUN
ajis02-2809	502	7	of	of	ADP
ajis02-2809	502	8	e	e	NOUN
ajis02-2809	502	9	-	-	NOUN
ajis02-2809	502	10	payment	payment	NOUN
ajis02-2809	502	11	system	system	NOUN
ajis02-2809	502	12	:	:	PUNCT
ajis02-2809	502	13	study	study	NOUN
ajis02-2809	502	14	of	of	ADP
ajis02-2809	502	15	hyderabad	hyderabad	PROPN
ajis02-2809	502	16	.	.	PUNCT
ajis02-2809	503	1	annals	annal	NOUN
ajis02-2809	503	2	of	of	ADP
ajis02-2809	503	3	contemporary	contemporary	ADJ
ajis02-2809	503	4	developments	development	NOUN
ajis02-2809	503	5	in	in	ADP
ajis02-2809	503	6	management	management	NOUN
ajis02-2809	503	7	&	&	CCONJ
ajis02-2809	503	8	hr	hr	NOUN
ajis02-2809	503	9	,	,	PUNCT
ajis02-2809	503	10	2(1	2(1	NUM
ajis02-2809	503	11	)	)	PUNCT
ajis02-2809	503	12	,	,	PUNCT
ajis02-2809	503	13	6–21	6–21	PROPN
ajis02-2809	503	14	.	.	PUNCT
ajis02-2809	504	1	https://doi.org/10.33166/acdmhr.2020.01.002	https://doi.org/10.33166/acdmhr.2020.01.002	PROPN
ajis02-2809	504	2	parizi	parizi	PROPN
ajis02-2809	504	3	,	,	PUNCT
ajis02-2809	504	4	r.	r.	PROPN
ajis02-2809	504	5	m.	m.	PROPN
ajis02-2809	504	6	,	,	PUNCT
ajis02-2809	504	7	&	&	CCONJ
ajis02-2809	504	8	dehghantanha	dehghantanha	NOUN
ajis02-2809	504	9	,	,	PUNCT
ajis02-2809	504	10	a.	a.	NOUN
ajis02-2809	504	11	(	(	PUNCT
ajis02-2809	504	12	2018	2018	NUM
ajis02-2809	504	13	)	)	PUNCT
ajis02-2809	504	14	.	.	PUNCT
ajis02-2809	505	1	on	on	ADP
ajis02-2809	505	2	the	the	DET
ajis02-2809	505	3	understanding	understanding	NOUN
ajis02-2809	505	4	of	of	ADP
ajis02-2809	505	5	gamification	gamification	NOUN
ajis02-2809	505	6	in	in	ADP
ajis02-2809	505	7	blockchain	blockchain	PROPN
ajis02-2809	505	8	systems	systems	PROPN
ajis02-2809	505	9	.	.	PUNCT
ajis02-2809	506	1	proceedings	proceeding	NOUN
ajis02-2809	506	2	2018	2018	NUM
ajis02-2809	506	3	ieee	ieee	NOUN
ajis02-2809	506	4	6th	6th	ADJ
ajis02-2809	506	5	international	international	ADJ
ajis02-2809	506	6	conference	conference	NOUN
ajis02-2809	506	7	on	on	ADP
ajis02-2809	506	8	future	future	ADJ
ajis02-2809	506	9	internet	internet	NOUN
ajis02-2809	506	10	of	of	ADP
ajis02-2809	506	11	things	thing	NOUN
ajis02-2809	506	12	and	and	CCONJ
ajis02-2809	506	13	cloud	cloud	NOUN
ajis02-2809	506	14	workshops	workshop	NOUN
ajis02-2809	506	15	,	,	PUNCT
ajis02-2809	506	16	w	w	NOUN
ajis02-2809	506	17	-	-	PUNCT
ajis02-2809	506	18	ficloud	ficloud	ADJ
ajis02-2809	506	19	2018	2018	NUM
ajis02-2809	506	20	,	,	PUNCT
ajis02-2809	506	21	214–219	214–219	NUM
ajis02-2809	506	22	.	.	PUNCT
ajis02-2809	507	1	https://doi.org/10.1109/wficloud.2018.00041	https://doi.org/10.1109/wficloud.2018.00041	PROPN
ajis02-2809	507	2	poushter	poushter	NOUN
ajis02-2809	507	3	,	,	PUNCT
ajis02-2809	507	4	j.	j.	PROPN
ajis02-2809	507	5	,	,	PUNCT
ajis02-2809	507	6	bishop	bishop	PROPN
ajis02-2809	507	7	,	,	PUNCT
ajis02-2809	507	8	c.	c.	PROPN
ajis02-2809	507	9	,	,	PUNCT
ajis02-2809	507	10	&	&	CCONJ
ajis02-2809	507	11	chew	chew	VERB
ajis02-2809	507	12	,	,	PUNCT
ajis02-2809	507	13	h.	h.	PROPN
ajis02-2809	507	14	(	(	PUNCT
ajis02-2809	507	15	2018	2018	NUM
ajis02-2809	507	16	)	)	PUNCT
ajis02-2809	507	17	.	.	PUNCT
ajis02-2809	508	1	social	social	ADJ
ajis02-2809	508	2	media	medium	NOUN
ajis02-2809	508	3	use	use	NOUN
ajis02-2809	508	4	continues	continue	VERB
ajis02-2809	508	5	to	to	PART
ajis02-2809	508	6	rise	rise	VERB
ajis02-2809	508	7	in	in	ADP
ajis02-2809	508	8	developing	develop	VERB
ajis02-2809	508	9	countries	country	NOUN
ajis02-2809	508	10	but	but	CCONJ
ajis02-2809	508	11	plateaus	plateaus	NOUN
ajis02-2809	508	12	across	across	ADP
ajis02-2809	508	13	developed	developed	ADJ
ajis02-2809	508	14	ones	one	NOUN
ajis02-2809	508	15	.	.	PUNCT
ajis02-2809	509	1	retrieved	retrieve	VERB
ajis02-2809	509	2	from	from	ADP
ajis02-2809	509	3	https://www.pewresearch.org/global/2018/06/19/social-media-use-continues-to-rise-indeveloping-countries-but-plateaus-across-developed-ones/.	https://www.pewresearch.org/global/2018/06/19/social-media-use-continues-to-rise-indeveloping-countries-but-plateaus-across-developed-ones/.	PROPN
ajis02-2809	509	4	putri	putri	PROPN
ajis02-2809	509	5	,	,	PUNCT
ajis02-2809	509	6	m.	m.	PROPN
ajis02-2809	509	7	f.	f.	PROPN
ajis02-2809	509	8	,	,	PUNCT
ajis02-2809	509	9	hidayanto	hidayanto	PROPN
ajis02-2809	509	10	,	,	PUNCT
ajis02-2809	509	11	a.	a.	NOUN
ajis02-2809	509	12	n.	n.	PROPN
ajis02-2809	509	13	,	,	PUNCT
ajis02-2809	509	14	negara	negara	PROPN
ajis02-2809	509	15	,	,	PUNCT
ajis02-2809	509	16	e.	e.	PROPN
ajis02-2809	509	17	s.	s.	PROPN
ajis02-2809	509	18	,	,	PUNCT
ajis02-2809	509	19	budi	budi	PROPN
ajis02-2809	509	20	,	,	PUNCT
ajis02-2809	509	21	n.	n.	PROPN
ajis02-2809	509	22	f.	f.	PROPN
ajis02-2809	509	23	a.	a.	PROPN
ajis02-2809	509	24	,	,	PUNCT
ajis02-2809	509	25	utari	utari	NOUN
ajis02-2809	509	26	,	,	PUNCT
ajis02-2809	509	27	p.	p.	NOUN
ajis02-2809	509	28	,	,	PUNCT
ajis02-2809	509	29	&	&	CCONJ
ajis02-2809	509	30	abidin	abidin	PROPN
ajis02-2809	509	31	,	,	PUNCT
ajis02-2809	509	32	z.	z.	PROPN
ajis02-2809	509	33	(	(	PUNCT
ajis02-2809	509	34	2019	2019	NUM
ajis02-2809	509	35	)	)	PUNCT
ajis02-2809	509	36	.	.	PUNCT
ajis02-2809	510	1	gratification	gratification	NOUN
ajis02-2809	510	2	sought	seek	VERB
ajis02-2809	510	3	in	in	ADP
ajis02-2809	510	4	gamification	gamification	NOUN
ajis02-2809	510	5	on	on	ADP
ajis02-2809	510	6	mobile	mobile	ADJ
ajis02-2809	510	7	payment	payment	NOUN
ajis02-2809	510	8	.	.	PUNCT
ajis02-2809	511	1	icicos	icico	NOUN
ajis02-2809	511	2	2019	2019	NUM
ajis02-2809	511	3	3rd	3rd	ADJ
ajis02-2809	511	4	international	international	ADJ
ajis02-2809	511	5	conference	conference	NOUN
ajis02-2809	511	6	on	on	ADP
ajis02-2809	511	7	informatics	informatic	NOUN
ajis02-2809	511	8	and	and	CCONJ
ajis02-2809	511	9	computational	computational	ADJ
ajis02-2809	511	10	sciences	science	NOUN
ajis02-2809	511	11	:	:	PUNCT
ajis02-2809	511	12	accelerating	accelerate	VERB
ajis02-2809	511	13	informatics	informatic	NOUN
ajis02-2809	511	14	and	and	CCONJ
ajis02-2809	511	15	computational	computational	ADJ
ajis02-2809	511	16	research	research	NOUN
ajis02-2809	511	17	for	for	ADP
ajis02-2809	511	18	smarter	smart	ADJ
ajis02-2809	511	19	society	society	NOUN
ajis02-2809	511	20	in	in	ADP
ajis02-2809	511	21	the	the	DET
ajis02-2809	511	22	era	era	NOUN
ajis02-2809	511	23	of	of	ADP
ajis02-2809	511	24	industry	industry	NOUN
ajis02-2809	511	25	4.0	4.0	NUM
ajis02-2809	511	26	,	,	PUNCT
ajis02-2809	511	27	proceedings	proceeding	NOUN
ajis02-2809	511	28	.	.	PUNCT
ajis02-2809	512	1	https://doi.org/10.1109/icicos48119.2019.8982424	https://doi.org/10.1109/icicos48119.2019.8982424	PROPN
ajis02-2809	512	2	pwc	pwc	PROPN
ajis02-2809	512	3	.	.	PUNCT
ajis02-2809	513	1	(	(	PUNCT
ajis02-2809	513	2	2019	2019	NUM
ajis02-2809	513	3	)	)	PUNCT
ajis02-2809	513	4	.	.	PUNCT
ajis02-2809	514	1	it	it	PRON
ajis02-2809	514	2	’s	’	VERB
ajis02-2809	514	3	time	time	NOUN
ajis02-2809	514	4	for	for	ADP
ajis02-2809	514	5	a	a	DET
ajis02-2809	514	6	consumer	consumer	NOUN
ajis02-2809	514	7	-	-	PUNCT
ajis02-2809	514	8	centred	centre	VERB
ajis02-2809	514	9	metric	metric	NOUN
ajis02-2809	514	10	:	:	PUNCT
ajis02-2809	514	11	introducing	introduce	VERB
ajis02-2809	514	12	“	"	PUNCT
ajis02-2809	514	13	return	return	VERB
ajis02-2809	514	14	on	on	ADP
ajis02-2809	514	15	experience	experience	NOUN
ajis02-2809	514	16	”	"	PUNCT
ajis02-2809	514	17	:	:	PUNCT
ajis02-2809	514	18	global	global	ADJ
ajis02-2809	514	19	consumer	consumer	NOUN
ajis02-2809	514	20	insights	insight	NOUN
ajis02-2809	514	21	survey	survey	NOUN
ajis02-2809	514	22	.	.	PUNCT
ajis02-2809	515	1	retrieved	retrieve	VERB
ajis02-2809	515	2	from	from	ADP
ajis02-2809	515	3	https://www.pwc.com/gx/en/	https://www.pwc.com/gx/en/	NOUN
ajis02-2809	515	4	consumer	consumer	NOUN
ajis02-2809	515	5	-	-	PUNCT
ajis02-2809	515	6	markets	market	NOUN
ajis02-2809	515	7	/	/	SYM
ajis02-2809	515	8	consumer	consumer	NOUN
ajis02-2809	515	9	-	-	PUNCT
ajis02-2809	515	10	insights	insight	NOUN
ajis02-2809	515	11	-	-	PUNCT
ajis02-2809	515	12	survey/2019/	survey/2019/	PROPN
ajis02-2809	515	13	report.pdf	report.pdf	PROPN
ajis02-2809	515	14	ramadan	ramadan	PROPN
ajis02-2809	515	15	,	,	PUNCT
ajis02-2809	515	16	z.	z.	PROPN
ajis02-2809	515	17	b.	b.	PROPN
ajis02-2809	515	18	,	,	PUNCT
ajis02-2809	515	19	&	&	CCONJ
ajis02-2809	515	20	farah	farah	PROPN
ajis02-2809	515	21	,	,	PUNCT
ajis02-2809	515	22	m.	m.	PROPN
ajis02-2809	515	23	f.	f.	PROPN
ajis02-2809	515	24	(	(	PUNCT
ajis02-2809	515	25	2017	2017	NUM
ajis02-2809	515	26	)	)	PUNCT
ajis02-2809	515	27	.	.	PUNCT
ajis02-2809	516	1	the	the	DET
ajis02-2809	516	2	pokémonisation	pokémonisation	NOUN
ajis02-2809	516	3	of	of	ADP
ajis02-2809	516	4	the	the	DET
ajis02-2809	516	5	first	first	ADJ
ajis02-2809	516	6	moment	moment	NOUN
ajis02-2809	516	7	of	of	ADP
ajis02-2809	516	8	truth	truth	NOUN
ajis02-2809	516	9	.	.	PUNCT
ajis02-2809	517	1	international	international	ADJ
ajis02-2809	517	2	journal	journal	PROPN
ajis02-2809	517	3	of	of	ADP
ajis02-2809	517	4	web	web	NOUN
ajis02-2809	517	5	based	base	VERB
ajis02-2809	517	6	communities	community	NOUN
ajis02-2809	517	7	,	,	PUNCT
ajis02-2809	517	8	13(2	13(2	PROPN
ajis02-2809	517	9	)	)	PUNCT
ajis02-2809	517	10	,	,	PUNCT
ajis02-2809	517	11	262–277	262–277	NUM
ajis02-2809	517	12	.	.	PUNCT
ajis02-2809	518	1	https://doi.org/10.1504/ijwbc.2017.084417	https://doi.org/10.1504/ijwbc.2017.084417	PROPN
ajis02-2809	518	2	ringle	ringle	PROPN
ajis02-2809	518	3	,	,	PUNCT
ajis02-2809	518	4	c.	c.	PROPN
ajis02-2809	518	5	m.	m.	PROPN
ajis02-2809	518	6	,	,	PUNCT
ajis02-2809	518	7	&	&	CCONJ
ajis02-2809	518	8	sarstedt	sarstedt	NOUN
ajis02-2809	518	9	,	,	PUNCT
ajis02-2809	518	10	m.	m.	NOUN
ajis02-2809	518	11	(	(	PUNCT
ajis02-2809	518	12	2016	2016	NUM
ajis02-2809	518	13	)	)	PUNCT
ajis02-2809	518	14	.	.	PUNCT
ajis02-2809	519	1	gain	gain	VERB
ajis02-2809	519	2	more	more	ADJ
ajis02-2809	519	3	insight	insight	NOUN
ajis02-2809	519	4	from	from	ADP
ajis02-2809	519	5	your	your	PRON
ajis02-2809	519	6	pls	pls	NOUN
ajis02-2809	519	7	-	-	PUNCT
ajis02-2809	519	8	sem	sem	NOUN
ajis02-2809	519	9	results	result	VERB
ajis02-2809	519	10	the	the	DET
ajis02-2809	519	11	importance	importance	NOUN
ajis02-2809	519	12	-	-	PUNCT
ajis02-2809	519	13	performance	performance	NOUN
ajis02-2809	519	14	map	map	NOUN
ajis02-2809	519	15	analysis	analysis	NOUN
ajis02-2809	519	16	.	.	PUNCT
ajis02-2809	520	1	industrial	industrial	ADJ
ajis02-2809	520	2	management	management	NOUN
ajis02-2809	520	3	and	and	CCONJ
ajis02-2809	520	4	data	datum	NOUN
ajis02-2809	520	5	systems	system	NOUN
ajis02-2809	520	6	,	,	PUNCT
ajis02-2809	520	7	vol	vol	NOUN
ajis02-2809	520	8	.	.	PROPN
ajis02-2809	520	9	116	116	NUM
ajis02-2809	520	10	,	,	PUNCT
ajis02-2809	520	11	pp	pp	ADJ
ajis02-2809	520	12	.	.	PUNCT
ajis02-2809	521	1	1865–1886	1865–1886	NUM
ajis02-2809	521	2	.	.	PUNCT
ajis02-2809	522	1	https://doi.org/10.1108/imds-10-2015-0449	https://doi.org/10.1108/imds-10-2015-0449	PROPN
ajis02-2809	522	2	ringle	ringle	PROPN
ajis02-2809	522	3	,	,	PUNCT
ajis02-2809	522	4	c.	c.	PROPN
ajis02-2809	522	5	m.	m.	NOUN
ajis02-2809	522	6	,	,	PUNCT
ajis02-2809	522	7	wende	wende	PROPN
ajis02-2809	522	8	,	,	PUNCT
ajis02-2809	522	9	s.	s.	PROPN
ajis02-2809	522	10	,	,	PUNCT
ajis02-2809	522	11	&	&	CCONJ
ajis02-2809	522	12	becker	becker	PROPN
ajis02-2809	522	13	,	,	PUNCT
ajis02-2809	522	14	j.-m	j.-m	PROPN
ajis02-2809	522	15	.	.	PUNCT
ajis02-2809	523	1	(	(	PUNCT
ajis02-2809	523	2	2015	2015	NUM
ajis02-2809	523	3	,	,	PUNCT
ajis02-2809	523	4	january	january	PROPN
ajis02-2809	523	5	5	5	NUM
ajis02-2809	523	6	)	)	PUNCT
ajis02-2809	523	7	.	.	PUNCT
ajis02-2809	524	1	smartpls	smartpls	PROPN
ajis02-2809	524	2	3	3	NUM
ajis02-2809	524	3	.	.	PUNCT
ajis02-2809	524	4	retrieved	retrieve	VERB
ajis02-2809	524	5	from	from	ADP
ajis02-2809	524	6	http://www.smartpls.com	http://www.smartpls.com	PROPN
ajis02-2809	524	7	sánchez	sánchez	PROPN
ajis02-2809	524	8	-	-	PUNCT
ajis02-2809	524	9	fernández	fernández	PROPN
ajis02-2809	524	10	,	,	PUNCT
ajis02-2809	524	11	r.	r.	PROPN
ajis02-2809	524	12	,	,	PUNCT
ajis02-2809	524	13	&	&	CCONJ
ajis02-2809	524	14	iniesta	iniesta	PROPN
ajis02-2809	524	15	-	-	PUNCT
ajis02-2809	524	16	bonillo	bonillo	PROPN
ajis02-2809	524	17	,	,	PUNCT
ajis02-2809	524	18	m.	m.	NOUN
ajis02-2809	524	19	á	á	PROPN
ajis02-2809	524	20	.	.	PUNCT
ajis02-2809	524	21	(	(	PUNCT
ajis02-2809	524	22	2007	2007	NUM
ajis02-2809	524	23	)	)	PUNCT
ajis02-2809	524	24	.	.	PUNCT
ajis02-2809	525	1	the	the	DET
ajis02-2809	525	2	concept	concept	NOUN
ajis02-2809	525	3	of	of	ADP
ajis02-2809	525	4	perceived	perceive	VERB
ajis02-2809	525	5	value	value	NOUN
ajis02-2809	525	6	:	:	PUNCT
ajis02-2809	525	7	a	a	DET
ajis02-2809	525	8	systematic	systematic	ADJ
ajis02-2809	525	9	review	review	NOUN
ajis02-2809	525	10	of	of	ADP
ajis02-2809	525	11	the	the	DET
ajis02-2809	525	12	research	research	NOUN
ajis02-2809	525	13	.	.	PUNCT
ajis02-2809	526	1	marketing	marketing	NOUN
ajis02-2809	526	2	theory	theory	NOUN
ajis02-2809	526	3	,	,	PUNCT
ajis02-2809	526	4	7(4	7(4	NUM
ajis02-2809	526	5	)	)	PUNCT
ajis02-2809	526	6	,	,	PUNCT
ajis02-2809	526	7	427–451	427–451	NUM
ajis02-2809	526	8	.	.	PUNCT
ajis02-2809	527	1	https://doi.org/10.1177/1470593107083165	https://doi.org/10.1177/1470593107083165	PROPN
ajis02-2809	527	2	schmida	schmida	PROPN
ajis02-2809	527	3	,	,	PUNCT
ajis02-2809	527	4	s.	s.	PROPN
ajis02-2809	527	5	,	,	PUNCT
ajis02-2809	527	6	bernard	bernard	PROPN
ajis02-2809	527	7	,	,	PUNCT
ajis02-2809	527	8	j.	j.	PROPN
ajis02-2809	527	9	,	,	PUNCT
ajis02-2809	527	10	zakaras	zakaras	PROPN
ajis02-2809	527	11	,	,	PUNCT
ajis02-2809	527	12	t.	t.	PROPN
ajis02-2809	527	13	,	,	PUNCT
ajis02-2809	527	14	lovegrove	lovegrove	PROPN
ajis02-2809	527	15	,	,	PUNCT
ajis02-2809	527	16	c.	c.	PROPN
ajis02-2809	527	17	,	,	PUNCT
ajis02-2809	527	18	&	&	CCONJ
ajis02-2809	527	19	swingle	swingle	PROPN
ajis02-2809	527	20	,	,	PUNCT
ajis02-2809	527	21	c.	c.	PROPN
ajis02-2809	527	22	(	(	PUNCT
ajis02-2809	527	23	2017	2017	NUM
ajis02-2809	527	24	)	)	PUNCT
ajis02-2809	527	25	.	.	PUNCT
ajis02-2809	528	1	connecting	connect	VERB
ajis02-2809	528	2	the	the	DET
ajis02-2809	528	3	next	next	ADJ
ajis02-2809	528	4	four	four	NUM
ajis02-2809	528	5	billion	billion	NUM
ajis02-2809	528	6	:	:	PUNCT
ajis02-2809	528	7	strengthening	strengthen	VERB
ajis02-2809	528	8	the	the	DET
ajis02-2809	528	9	global	global	ADJ
ajis02-2809	528	10	response	response	NOUN
ajis02-2809	528	11	for	for	ADP
ajis02-2809	528	12	universal	universal	ADJ
ajis02-2809	528	13	internet	internet	NOUN
ajis02-2809	528	14	access	access	NOUN
ajis02-2809	528	15	.	.	PUNCT
ajis02-2809	529	1	retrieved	retrieve	VERB
ajis02-2809	529	2	february	february	PROPN
ajis02-2809	529	3	12	12	NUM
ajis02-2809	529	4	,	,	PUNCT
ajis02-2809	529	5	2020	2020	NUM
ajis02-2809	529	6	,	,	PUNCT
ajis02-2809	529	7	from	from	ADP
ajis02-2809	529	8	usaid	usaid	ADJ
ajis02-2809	529	9	,	,	PUNCT
ajis02-2809	529	10	dial	dial	ADJ
ajis02-2809	529	11	digital	digital	ADJ
ajis02-2809	529	12	impact	impact	NOUN
ajis02-2809	529	13	alliance	alliance	NOUN
ajis02-2809	529	14	and	and	CCONJ
ajis02-2809	529	15	ssg	ssg	PROPN
ajis02-2809	529	16	advisors	advisor	NOUN
ajis02-2809	529	17	website	website	NOUN
ajis02-2809	529	18	:	:	PUNCT
ajis02-2809	529	19	www.usaid.gov/sites/default/files/documents/15396/connecting_the_next_four_billio	www.usaid.gov/sites/default/files/documents/15396/connecting_the_next_four_billio	NUM
ajis02-2809	529	20	n-20170221_final.pdf	n-20170221_final.pdf	NOUN
ajis02-2809	529	21	seiders	seider	NOUN
ajis02-2809	529	22	,	,	PUNCT
ajis02-2809	529	23	k.	k.	PROPN
ajis02-2809	529	24	,	,	PUNCT
ajis02-2809	529	25	voss	voss	PROPN
ajis02-2809	529	26	,	,	PUNCT
ajis02-2809	529	27	g.	g.	PROPN
ajis02-2809	529	28	b.	b.	PROPN
ajis02-2809	529	29	,	,	PUNCT
ajis02-2809	529	30	godfrey	godfrey	PROPN
ajis02-2809	529	31	,	,	PUNCT
ajis02-2809	529	32	a.	a.	PROPN
ajis02-2809	529	33	l.	l.	PROPN
ajis02-2809	529	34	,	,	PUNCT
ajis02-2809	529	35	&	&	CCONJ
ajis02-2809	529	36	grewal	grewal	PROPN
ajis02-2809	529	37	,	,	PUNCT
ajis02-2809	529	38	d.	d.	PROPN
ajis02-2809	529	39	(	(	PUNCT
ajis02-2809	529	40	2007	2007	NUM
ajis02-2809	529	41	)	)	PUNCT
ajis02-2809	529	42	.	.	PUNCT
ajis02-2809	530	1	servcon	servcon	NOUN
ajis02-2809	530	2	:	:	PUNCT
ajis02-2809	530	3	development	development	NOUN
ajis02-2809	530	4	and	and	CCONJ
ajis02-2809	530	5	validation	validation	NOUN
ajis02-2809	530	6	of	of	ADP
ajis02-2809	530	7	a	a	DET
ajis02-2809	530	8	multidimensional	multidimensional	ADJ
ajis02-2809	530	9	service	service	NOUN
ajis02-2809	530	10	convenience	convenience	NOUN
ajis02-2809	530	11	scale	scale	NOUN
ajis02-2809	530	12	.	.	PUNCT
ajis02-2809	531	1	journal	journal	NOUN
ajis02-2809	531	2	of	of	ADP
ajis02-2809	531	3	the	the	DET
ajis02-2809	531	4	academy	academy	NOUN
ajis02-2809	531	5	of	of	ADP
ajis02-2809	531	6	marketing	marketing	NOUN
ajis02-2809	531	7	science	science	NOUN
ajis02-2809	531	8	,	,	PUNCT
ajis02-2809	531	9	35(1	35(1	NUM
ajis02-2809	531	10	)	)	PUNCT
ajis02-2809	531	11	,	,	PUNCT
ajis02-2809	531	12	144–156	144–156	NUM
ajis02-2809	531	13	.	.	PUNCT
ajis02-2809	532	1	https://doi.org/10.1007/s11747-006-0001-5	https://doi.org/10.1007/s11747-006-0001-5	NUM
ajis02-2809	532	2	senarathna	senarathna	NOUN
ajis02-2809	532	3	,	,	PUNCT
ajis02-2809	532	4	i.	i.	NOUN
ajis02-2809	532	5	,	,	PUNCT
ajis02-2809	532	6	yeoh	yeoh	PROPN
ajis02-2809	532	7	,	,	PUNCT
ajis02-2809	532	8	w.	w.	PROPN
ajis02-2809	532	9	,	,	PUNCT
ajis02-2809	532	10	warren	warren	PROPN
ajis02-2809	532	11	,	,	PUNCT
ajis02-2809	532	12	m.	m.	NOUN
ajis02-2809	532	13	,	,	PUNCT
ajis02-2809	532	14	&	&	CCONJ
ajis02-2809	532	15	salzman	salzman	PROPN
ajis02-2809	532	16	,	,	PUNCT
ajis02-2809	532	17	s.	s.	PROPN
ajis02-2809	532	18	(	(	PUNCT
ajis02-2809	532	19	2016	2016	NUM
ajis02-2809	532	20	)	)	PUNCT
ajis02-2809	532	21	.	.	PUNCT
ajis02-2809	533	1	security	security	NOUN
ajis02-2809	533	2	and	and	CCONJ
ajis02-2809	533	3	privacy	privacy	NOUN
ajis02-2809	533	4	concerns	concern	NOUN
ajis02-2809	533	5	for	for	ADP
ajis02-2809	533	6	australian	australian	ADJ
ajis02-2809	533	7	smes	sme	NOUN
ajis02-2809	533	8	cloud	cloud	PROPN
ajis02-2809	533	9	adoption	adoption	NOUN
ajis02-2809	533	10	:	:	PUNCT
ajis02-2809	533	11	empirical	empirical	ADJ
ajis02-2809	533	12	study	study	NOUN
ajis02-2809	533	13	of	of	ADP
ajis02-2809	533	14	metropolitan	metropolitan	ADJ
ajis02-2809	533	15	vs	vs	ADP
ajis02-2809	533	16	regional	regional	ADJ
ajis02-2809	533	17	smes	sme	NOUN
ajis02-2809	533	18	.	.	PUNCT
ajis02-2809	534	1	australasian	australasian	ADJ
ajis02-2809	534	2	journal	journal	NOUN
ajis02-2809	534	3	of	of	ADP
ajis02-2809	534	4	information	information	NOUN
ajis02-2809	534	5	systems	system	NOUN
ajis02-2809	534	6	.	.	PUNCT
ajis02-2809	535	1	https://doi.org/10.3127/ajis.v20i0.1193	https://doi.org/10.3127/ajis.v20i0.1193	X
ajis02-2809	535	2	australasian	australasian	ADJ
ajis02-2809	535	3	journal	journal	NOUN
ajis02-2809	535	4	of	of	ADP
ajis02-2809	535	5	information	information	NOUN
ajis02-2809	535	6	systems	systems	PROPN
ajis02-2809	535	7	lai	lai	PROPN
ajis02-2809	535	8	&	&	CCONJ
ajis02-2809	535	9	liew	liew	PROPN
ajis02-2809	535	10	2021	2021	NUM
ajis02-2809	535	11	,	,	PUNCT
ajis02-2809	535	12	vol	vol	NOUN
ajis02-2809	535	13	25	25	NUM
ajis02-2809	535	14	,	,	PUNCT
ajis02-2809	535	15	research	research	NOUN
ajis02-2809	535	16	article	article	NOUN
ajis02-2809	535	17	towards	towards	ADP
ajis02-2809	535	18	a	a	DET
ajis02-2809	535	19	cashless	cashless	NOUN
ajis02-2809	535	20	society	society	NOUN
ajis02-2809	535	21	24	24	NUM
ajis02-2809	535	22	sharma	sharma	PROPN
ajis02-2809	535	23	,	,	PUNCT
ajis02-2809	535	24	s.	s.	PROPN
ajis02-2809	535	25	k.	k.	PROPN
ajis02-2809	535	26	,	,	PUNCT
ajis02-2809	535	27	&	&	CCONJ
ajis02-2809	535	28	gupta	gupta	PROPN
ajis02-2809	535	29	,	,	PUNCT
ajis02-2809	535	30	j.	j.	PROPN
ajis02-2809	535	31	n.	n.	PROPN
ajis02-2809	535	32	d.	d.	PROPN
ajis02-2809	535	33	(	(	PUNCT
ajis02-2809	535	34	2009	2009	NUM
ajis02-2809	535	35	)	)	PUNCT
ajis02-2809	535	36	.	.	PUNCT
ajis02-2809	536	1	identifying	identify	VERB
ajis02-2809	536	2	factors	factor	NOUN
ajis02-2809	536	3	for	for	ADP
ajis02-2809	536	4	lack	lack	NOUN
ajis02-2809	536	5	of	of	ADP
ajis02-2809	536	6	e	e	NOUN
ajis02-2809	536	7	-	-	NOUN
ajis02-2809	536	8	commerce	commerce	NOUN
ajis02-2809	536	9	in	in	ADP
ajis02-2809	536	10	developing	develop	VERB
ajis02-2809	536	11	countries	country	NOUN
ajis02-2809	536	12	.	.	PUNCT
ajis02-2809	537	1	in	in	ADP
ajis02-2809	537	2	k.	k.	PROPN
ajis02-2809	537	3	rouibah	rouibah	PROPN
ajis02-2809	537	4	,	,	PUNCT
ajis02-2809	537	5	o.	o.	PROPN
ajis02-2809	537	6	khalil	khalil	PROPN
ajis02-2809	537	7	,	,	PUNCT
ajis02-2809	537	8	&	&	CCONJ
ajis02-2809	537	9	a.	a.	NOUN
ajis02-2809	537	10	hassanien	hassanien	PROPN
ajis02-2809	537	11	(	(	PUNCT
ajis02-2809	537	12	eds	ed	NOUN
ajis02-2809	537	13	.	.	PUNCT
ajis02-2809	537	14	)	)	PUNCT
ajis02-2809	537	15	,	,	PUNCT
ajis02-2809	537	16	emerging	emerge	VERB
ajis02-2809	537	17	markets	market	NOUN
ajis02-2809	537	18	and	and	CCONJ
ajis02-2809	537	19	e	e	NOUN
ajis02-2809	537	20	-	-	NOUN
ajis02-2809	537	21	commerce	commerce	NOUN
ajis02-2809	537	22	in	in	ADP
ajis02-2809	537	23	developing	develop	VERB
ajis02-2809	537	24	economies	economy	NOUN
ajis02-2809	537	25	(	(	PUNCT
ajis02-2809	537	26	pp	pp	ADV
ajis02-2809	537	27	.	.	PUNCT
ajis02-2809	537	28	70–88	70–88	NUM
ajis02-2809	537	29	)	)	PUNCT
ajis02-2809	537	30	.	.	PUNCT
ajis02-2809	538	1	hershey	hershey	PROPN
ajis02-2809	538	2	,	,	PUNCT
ajis02-2809	538	3	pa	pa	PROPN
ajis02-2809	538	4	:	:	PUNCT
ajis02-2809	538	5	information	information	NOUN
ajis02-2809	538	6	science	science	NOUN
ajis02-2809	538	7	reference	reference	NOUN
ajis02-2809	538	8	.	.	PUNCT
ajis02-2809	539	1	shin	shin	PROPN
ajis02-2809	539	2	,	,	PUNCT
ajis02-2809	539	3	d.	d.	PROPN
ajis02-2809	539	4	h.	h.	PROPN
ajis02-2809	539	5	(	(	PUNCT
ajis02-2809	539	6	2009	2009	NUM
ajis02-2809	539	7	)	)	PUNCT
ajis02-2809	539	8	.	.	PUNCT
ajis02-2809	540	1	towards	towards	ADP
ajis02-2809	540	2	an	an	DET
ajis02-2809	540	3	understanding	understanding	NOUN
ajis02-2809	540	4	of	of	ADP
ajis02-2809	540	5	the	the	DET
ajis02-2809	540	6	consumer	consumer	NOUN
ajis02-2809	540	7	acceptance	acceptance	NOUN
ajis02-2809	540	8	of	of	ADP
ajis02-2809	540	9	mobile	mobile	ADJ
ajis02-2809	540	10	wallet	wallet	NOUN
ajis02-2809	540	11	.	.	PUNCT
ajis02-2809	541	1	computers	computer	NOUN
ajis02-2809	541	2	in	in	ADP
ajis02-2809	541	3	human	human	ADJ
ajis02-2809	541	4	behavior	behavior	NOUN
ajis02-2809	541	5	,	,	PUNCT
ajis02-2809	541	6	25(6	25(6	NOUN
ajis02-2809	541	7	)	)	PUNCT
ajis02-2809	541	8	,	,	PUNCT
ajis02-2809	541	9	1343–1354	1343–1354	NUM
ajis02-2809	541	10	.	.	PUNCT
ajis02-2809	542	1	https://doi.org/10.1016/	https://doi.org/10.1016/	PROPN
ajis02-2809	542	2	j.chb.2009.06.001	j.chb.2009.06.001	PROPN
ajis02-2809	542	3	shmueli	shmueli	PROPN
ajis02-2809	542	4	,	,	PUNCT
ajis02-2809	542	5	g.	g.	PROPN
ajis02-2809	542	6	,	,	PUNCT
ajis02-2809	542	7	sarstedt	sarstedt	NOUN
ajis02-2809	542	8	,	,	PUNCT
ajis02-2809	542	9	m.	m.	NOUN
ajis02-2809	542	10	,	,	PUNCT
ajis02-2809	542	11	hair	hair	NOUN
ajis02-2809	542	12	,	,	PUNCT
ajis02-2809	542	13	j.	j.	PROPN
ajis02-2809	542	14	f.	f.	PROPN
ajis02-2809	542	15	,	,	PUNCT
ajis02-2809	542	16	cheah	cheah	PROPN
ajis02-2809	542	17	,	,	PUNCT
ajis02-2809	542	18	j.	j.	PROPN
ajis02-2809	542	19	h.	h.	PROPN
ajis02-2809	542	20	,	,	PUNCT
ajis02-2809	542	21	ting	ting	PROPN
ajis02-2809	542	22	,	,	PUNCT
ajis02-2809	542	23	h.	h.	PROPN
ajis02-2809	542	24	,	,	PUNCT
ajis02-2809	542	25	vaithilingam	vaithilingam	ADV
ajis02-2809	542	26	,	,	PUNCT
ajis02-2809	542	27	s.	s.	PROPN
ajis02-2809	542	28	,	,	PUNCT
ajis02-2809	542	29	&	&	CCONJ
ajis02-2809	542	30	ringle	ringle	PROPN
ajis02-2809	542	31	,	,	PUNCT
ajis02-2809	542	32	c.	c.	PROPN
ajis02-2809	542	33	m.	m.	NOUN
ajis02-2809	542	34	(	(	PUNCT
ajis02-2809	542	35	2019	2019	NUM
ajis02-2809	542	36	)	)	PUNCT
ajis02-2809	542	37	.	.	PUNCT
ajis02-2809	543	1	predictive	predictive	ADJ
ajis02-2809	543	2	model	model	NOUN
ajis02-2809	543	3	assessment	assessment	NOUN
ajis02-2809	543	4	in	in	ADP
ajis02-2809	543	5	pls	pls	NOUN
ajis02-2809	543	6	-	-	PUNCT
ajis02-2809	543	7	sem	sem	NOUN
ajis02-2809	543	8	:	:	PUNCT
ajis02-2809	543	9	guidelines	guideline	NOUN
ajis02-2809	543	10	for	for	ADP
ajis02-2809	543	11	using	use	VERB
ajis02-2809	543	12	plspredict	plspredict	PROPN
ajis02-2809	543	13	.	.	PUNCT
ajis02-2809	544	1	european	european	PROPN
ajis02-2809	544	2	journal	journal	PROPN
ajis02-2809	544	3	of	of	ADP
ajis02-2809	544	4	marketing	marketing	NOUN
ajis02-2809	544	5	,	,	PUNCT
ajis02-2809	544	6	53(11	53(11	NUM
ajis02-2809	544	7	)	)	PUNCT
ajis02-2809	544	8	,	,	PUNCT
ajis02-2809	544	9	2322–2347	2322–2347	NUM
ajis02-2809	544	10	.	.	PUNCT
ajis02-2809	545	1	https://doi.org/10.1108/ejm-02-20190189	https://doi.org/10.1108/ejm-02-20190189	NOUN
ajis02-2809	545	2	ström	ström	NOUN
ajis02-2809	545	3	,	,	PUNCT
ajis02-2809	545	4	r.	r.	PROPN
ajis02-2809	545	5	,	,	PUNCT
ajis02-2809	545	6	vendel	vendel	PROPN
ajis02-2809	545	7	,	,	PUNCT
ajis02-2809	545	8	m.	m.	NOUN
ajis02-2809	545	9	,	,	PUNCT
ajis02-2809	545	10	&	&	CCONJ
ajis02-2809	545	11	bredican	bredican	PROPN
ajis02-2809	545	12	,	,	PUNCT
ajis02-2809	545	13	j.	j.	PROPN
ajis02-2809	545	14	(	(	PUNCT
ajis02-2809	545	15	2014	2014	NUM
ajis02-2809	545	16	)	)	PUNCT
ajis02-2809	545	17	.	.	PUNCT
ajis02-2809	546	1	mobile	mobile	ADJ
ajis02-2809	546	2	marketing	marketing	NOUN
ajis02-2809	546	3	:	:	PUNCT
ajis02-2809	546	4	a	a	DET
ajis02-2809	546	5	literature	literature	NOUN
ajis02-2809	546	6	review	review	NOUN
ajis02-2809	546	7	on	on	ADP
ajis02-2809	546	8	its	its	PRON
ajis02-2809	546	9	value	value	NOUN
ajis02-2809	546	10	for	for	ADP
ajis02-2809	546	11	consumers	consumer	NOUN
ajis02-2809	546	12	and	and	CCONJ
ajis02-2809	546	13	retailers	retailer	NOUN
ajis02-2809	546	14	.	.	PUNCT
ajis02-2809	547	1	journal	journal	NOUN
ajis02-2809	547	2	of	of	ADP
ajis02-2809	547	3	retailing	retailing	NOUN
ajis02-2809	547	4	and	and	CCONJ
ajis02-2809	547	5	consumer	consumer	NOUN
ajis02-2809	547	6	services	service	NOUN
ajis02-2809	547	7	,	,	PUNCT
ajis02-2809	547	8	21(6	21(6	NOUN
ajis02-2809	547	9	)	)	PUNCT
ajis02-2809	547	10	,	,	PUNCT
ajis02-2809	547	11	1001	1001	NUM
ajis02-2809	547	12	–	–	PUNCT
ajis02-2809	547	13	1012	1012	NUM
ajis02-2809	547	14	.	.	PUNCT
ajis02-2809	548	1	https://doi.org/10.1016/j.jretconser.2013.12.003	https://doi.org/10.1016/j.jretconser.2013.12.003	NUM
ajis02-2809	548	2	tashiro	tashiro	NOUN
ajis02-2809	548	3	,	,	PUNCT
ajis02-2809	548	4	m.	m.	NOUN
ajis02-2809	548	5	(	(	PUNCT
ajis02-2809	548	6	2018	2018	NUM
ajis02-2809	548	7	)	)	PUNCT
ajis02-2809	548	8	.	.	PUNCT
ajis02-2809	549	1	major	major	ADJ
ajis02-2809	549	2	japanese	japanese	ADJ
ajis02-2809	549	3	corporation	corporation	NOUN
ajis02-2809	549	4	driving	drive	VERB
ajis02-2809	549	5	cryptocurrency	cryptocurrency	NOUN
ajis02-2809	549	6	usage	usage	NOUN
ajis02-2809	549	7	 	 	SPACE
ajis02-2809	549	8	»	»	NOUN
ajis02-2809	549	9	brave	brave	ADJ
ajis02-2809	549	10	new	new	ADJ
ajis02-2809	549	11	coin	coin	NOUN
ajis02-2809	549	12	.	.	PUNCT
ajis02-2809	549	13	retrieved	retrieve	VERB
ajis02-2809	549	14	february	february	PROPN
ajis02-2809	549	15	24	24	NUM
ajis02-2809	549	16	,	,	PUNCT
ajis02-2809	549	17	2020	2020	NUM
ajis02-2809	549	18	,	,	PUNCT
ajis02-2809	549	19	from	from	ADP
ajis02-2809	549	20	https://bravenewcoin.com/insights/majorjapanese-corporation-driving-cryptocurrency-usage	https://bravenewcoin.com/insights/majorjapanese-corporation-driving-cryptocurrency-usage	PROPN
ajis02-2809	549	21	taylor	taylor	PROPN
ajis02-2809	549	22	,	,	PUNCT
ajis02-2809	549	23	s.	s.	PROPN
ajis02-2809	549	24	,	,	PUNCT
ajis02-2809	549	25	&	&	CCONJ
ajis02-2809	549	26	todd	todd	PROPN
ajis02-2809	549	27	,	,	PUNCT
ajis02-2809	549	28	p.	p.	NOUN
ajis02-2809	549	29	(	(	PUNCT
ajis02-2809	549	30	1995	1995	NUM
ajis02-2809	549	31	)	)	PUNCT
ajis02-2809	549	32	.	.	PUNCT
ajis02-2809	550	1	understanding	understand	VERB
ajis02-2809	550	2	information	information	NOUN
ajis02-2809	550	3	technology	technology	NOUN
ajis02-2809	550	4	usage	usage	NOUN
ajis02-2809	550	5	:	:	PUNCT
ajis02-2809	550	6	a	a	DET
ajis02-2809	550	7	test	test	NOUN
ajis02-2809	550	8	of	of	ADP
ajis02-2809	550	9	competing	compete	VERB
ajis02-2809	550	10	models	model	NOUN
ajis02-2809	550	11	.	.	PUNCT
ajis02-2809	551	1	information	information	NOUN
ajis02-2809	551	2	systems	system	NOUN
ajis02-2809	551	3	research	research	NOUN
ajis02-2809	551	4	,	,	PUNCT
ajis02-2809	551	5	6(2	6(2	NUM
ajis02-2809	551	6	)	)	PUNCT
ajis02-2809	551	7	,	,	PUNCT
ajis02-2809	551	8	144–176	144–176	NUM
ajis02-2809	551	9	.	.	PUNCT
ajis02-2809	552	1	teo	teo	PROPN
ajis02-2809	552	2	,	,	PUNCT
ajis02-2809	552	3	a.	a.	PROPN
ajis02-2809	552	4	c.	c.	PROPN
ajis02-2809	552	5	,	,	PUNCT
ajis02-2809	552	6	tan	tan	PROPN
ajis02-2809	552	7	,	,	PUNCT
ajis02-2809	552	8	g.	g.	PROPN
ajis02-2809	552	9	w.	w.	PROPN
ajis02-2809	552	10	h.	h.	PROPN
ajis02-2809	552	11	,	,	PUNCT
ajis02-2809	552	12	ooi	ooi	PROPN
ajis02-2809	552	13	,	,	PUNCT
ajis02-2809	552	14	k.	k.	PROPN
ajis02-2809	552	15	b.	b.	PROPN
ajis02-2809	552	16	,	,	PUNCT
ajis02-2809	552	17	hew	hew	VERB
ajis02-2809	552	18	,	,	PUNCT
ajis02-2809	552	19	t.	t.	PROPN
ajis02-2809	552	20	s.	s.	PROPN
ajis02-2809	552	21	,	,	PUNCT
ajis02-2809	552	22	&	&	CCONJ
ajis02-2809	552	23	yew	yew	PROPN
ajis02-2809	552	24	,	,	PUNCT
ajis02-2809	552	25	k.	k.	PROPN
ajis02-2809	552	26	t.	t.	PROPN
ajis02-2809	552	27	(	(	PUNCT
ajis02-2809	552	28	2015	2015	NUM
ajis02-2809	552	29	)	)	PUNCT
ajis02-2809	552	30	.	.	PUNCT
ajis02-2809	553	1	the	the	DET
ajis02-2809	553	2	effects	effect	NOUN
ajis02-2809	553	3	of	of	ADP
ajis02-2809	553	4	convenience	convenience	NOUN
ajis02-2809	553	5	and	and	CCONJ
ajis02-2809	553	6	speed	speed	NOUN
ajis02-2809	553	7	in	in	ADP
ajis02-2809	553	8	m	m	NOUN
ajis02-2809	553	9	-	-	NOUN
ajis02-2809	553	10	payment	payment	NOUN
ajis02-2809	553	11	.	.	PUNCT
ajis02-2809	554	1	industrial	industrial	ADJ
ajis02-2809	554	2	management	management	NOUN
ajis02-2809	554	3	and	and	CCONJ
ajis02-2809	554	4	data	datum	NOUN
ajis02-2809	554	5	systems	system	NOUN
ajis02-2809	554	6	,	,	PUNCT
ajis02-2809	554	7	115(2	115(2	NUM
ajis02-2809	554	8	)	)	PUNCT
ajis02-2809	554	9	,	,	PUNCT
ajis02-2809	554	10	311–331	311–331	NUM
ajis02-2809	554	11	.	.	PUNCT
ajis02-2809	555	1	https://doi.org/10.1108/imds-08-2014-0231	https://doi.org/10.1108/imds-08-2014-0231	PROPN
ajis02-2809	555	2	the	the	DET
ajis02-2809	555	3	star	star	NOUN
ajis02-2809	555	4	.	.	PUNCT
ajis02-2809	556	1	(	(	PUNCT
ajis02-2809	556	2	2020	2020	NUM
ajis02-2809	556	3	,	,	PUNCT
ajis02-2809	556	4	june	june	PROPN
ajis02-2809	556	5	12	12	NUM
ajis02-2809	556	6	)	)	PUNCT
ajis02-2809	556	7	.	.	PUNCT
ajis02-2809	557	1	boost	boost	VERB
ajis02-2809	557	2	supports	support	VERB
ajis02-2809	557	3	government	government	NOUN
ajis02-2809	557	4	’s	’s	PART
ajis02-2809	557	5	e	e	NOUN
ajis02-2809	557	6	-	-	NOUN
ajis02-2809	557	7	wallet	wallet	NOUN
ajis02-2809	557	8	initiatives	initiative	NOUN
ajis02-2809	557	9	.	.	PUNCT
ajis02-2809	558	1	retrieved	retrieve	VERB
ajis02-2809	558	2	from	from	ADP
ajis02-2809	558	3	https://www.thestar.com.my/business/business-news/2020/06/12/boost-supportsgovernments-e-wallet-initiatives	https://www.thestar.com.my/business/business-news/2020/06/12/boost-supportsgovernments-e-wallet-initiative	NOUN
ajis02-2809	558	4	truong	truong	PROPN
ajis02-2809	558	5	,	,	PUNCT
ajis02-2809	558	6	v.	v.	ADP
ajis02-2809	558	7	n.	n.	PROPN
ajis02-2809	558	8	x.	x.	PROPN
ajis02-2809	558	9	,	,	PUNCT
ajis02-2809	558	10	nkhoma	nkhoma	NOUN
ajis02-2809	558	11	,	,	PUNCT
ajis02-2809	558	12	m.	m.	NOUN
ajis02-2809	558	13	,	,	PUNCT
ajis02-2809	558	14	&	&	CCONJ
ajis02-2809	558	15	pansuwong	pansuwong	PROPN
ajis02-2809	558	16	,	,	PUNCT
ajis02-2809	558	17	w.	w.	PROPN
ajis02-2809	558	18	(	(	PUNCT
ajis02-2809	558	19	2019	2019	NUM
ajis02-2809	558	20	)	)	PUNCT
ajis02-2809	558	21	.	.	PUNCT
ajis02-2809	559	1	an	an	DET
ajis02-2809	559	2	integrated	integrate	VERB
ajis02-2809	559	3	effectiveness	effectiveness	NOUN
ajis02-2809	559	4	framework	framework	NOUN
ajis02-2809	559	5	of	of	ADP
ajis02-2809	559	6	mobile	mobile	ADJ
ajis02-2809	559	7	in	in	ADP
ajis02-2809	559	8	-	-	PUNCT
ajis02-2809	559	9	app	app	NOUN
ajis02-2809	559	10	advertising	advertising	NOUN
ajis02-2809	559	11	.	.	PUNCT
ajis02-2809	560	1	australasian	australasian	ADJ
ajis02-2809	560	2	journal	journal	NOUN
ajis02-2809	560	3	of	of	ADP
ajis02-2809	560	4	information	information	NOUN
ajis02-2809	560	5	systems	system	NOUN
ajis02-2809	560	6	,	,	PUNCT
ajis02-2809	560	7	23	23	NUM
ajis02-2809	560	8	.	.	PUNCT
ajis02-2809	561	1	https://doi.org/10.3127/ajis.v23i0.1971	https://doi.org/10.3127/ajis.v23i0.1971	PROPN
ajis02-2809	561	2	venkatesh	venkatesh	PROPN
ajis02-2809	561	3	,	,	PUNCT
ajis02-2809	561	4	v.	v.	PROPN
ajis02-2809	561	5	,	,	PUNCT
ajis02-2809	561	6	&	&	CCONJ
ajis02-2809	561	7	davis	davis	PROPN
ajis02-2809	561	8	,	,	PUNCT
ajis02-2809	561	9	f.	f.	PROPN
ajis02-2809	561	10	d.	d.	PROPN
ajis02-2809	561	11	(	(	PUNCT
ajis02-2809	561	12	2000	2000	NUM
ajis02-2809	561	13	)	)	PUNCT
ajis02-2809	561	14	.	.	PUNCT
ajis02-2809	562	1	a	a	DET
ajis02-2809	562	2	theoretical	theoretical	ADJ
ajis02-2809	562	3	extension	extension	NOUN
ajis02-2809	562	4	of	of	ADP
ajis02-2809	562	5	the	the	DET
ajis02-2809	562	6	technology	technology	NOUN
ajis02-2809	562	7	acceptance	acceptance	NOUN
ajis02-2809	562	8	model	model	NOUN
ajis02-2809	562	9	:	:	PUNCT
ajis02-2809	562	10	four	four	NUM
ajis02-2809	562	11	longitudinal	longitudinal	ADJ
ajis02-2809	562	12	field	field	NOUN
ajis02-2809	562	13	studies	study	NOUN
ajis02-2809	562	14	.	.	PUNCT
ajis02-2809	563	1	management	management	NOUN
ajis02-2809	563	2	science	science	NOUN
ajis02-2809	563	3	,	,	PUNCT
ajis02-2809	563	4	6	6	NUM
ajis02-2809	563	5	,	,	PUNCT
ajis02-2809	563	6	144–176	144–176	NUM
ajis02-2809	563	7	.	.	PUNCT
ajis02-2809	564	1	venkatesh	venkatesh	PROPN
ajis02-2809	564	2	,	,	PUNCT
ajis02-2809	564	3	v.	v.	PROPN
ajis02-2809	564	4	,	,	PUNCT
ajis02-2809	564	5	morris	morris	PROPN
ajis02-2809	564	6	,	,	PUNCT
ajis02-2809	564	7	m.	m.	NOUN
ajis02-2809	564	8	g.	g.	PROPN
ajis02-2809	564	9	,	,	PUNCT
ajis02-2809	564	10	gordon	gordon	PROPN
ajis02-2809	564	11	,	,	PUNCT
ajis02-2809	564	12	b.	b.	PROPN
ajis02-2809	564	13	d.	d.	PROPN
ajis02-2809	564	14	,	,	PUNCT
ajis02-2809	564	15	&	&	CCONJ
ajis02-2809	564	16	davis	davis	PROPN
ajis02-2809	564	17	,	,	PUNCT
ajis02-2809	564	18	f.	f.	PROPN
ajis02-2809	564	19	d.	d.	PROPN
ajis02-2809	564	20	(	(	PUNCT
ajis02-2809	564	21	2003	2003	NUM
ajis02-2809	564	22	)	)	PUNCT
ajis02-2809	564	23	.	.	PUNCT
ajis02-2809	565	1	user	user	NOUN
ajis02-2809	565	2	acceptance	acceptance	NOUN
ajis02-2809	565	3	of	of	ADP
ajis02-2809	565	4	information	information	NOUN
ajis02-2809	565	5	technology	technology	NOUN
ajis02-2809	565	6	:	:	PUNCT
ajis02-2809	565	7	toward	toward	ADP
ajis02-2809	565	8	a	a	DET
ajis02-2809	565	9	unified	unified	ADJ
ajis02-2809	565	10	view	view	NOUN
ajis02-2809	565	11	.	.	PUNCT
ajis02-2809	566	1	mis	mis	PROPN
ajis02-2809	566	2	quarterly	quarterly	PROPN
ajis02-2809	566	3	,	,	PUNCT
ajis02-2809	566	4	27(3	27(3	NUM
ajis02-2809	566	5	)	)	PUNCT
ajis02-2809	566	6	,	,	PUNCT
ajis02-2809	566	7	425–478	425–478	NUM
ajis02-2809	566	8	.	.	PUNCT
ajis02-2809	566	9	retrieved	retrieve	VERB
ajis02-2809	566	10	from	from	ADP
ajis02-2809	566	11	http://www.jstor.org/stable/30036540	http://www.jstor.org/stable/30036540	PROPN
ajis02-2809	566	12	vishwakarma	vishwakarma	PROPN
ajis02-2809	566	13	,	,	PUNCT
ajis02-2809	566	14	p.	p.	NOUN
ajis02-2809	566	15	,	,	PUNCT
ajis02-2809	566	16	mukherjee	mukherjee	PROPN
ajis02-2809	566	17	,	,	PUNCT
ajis02-2809	566	18	s.	s.	PROPN
ajis02-2809	566	19	,	,	PUNCT
ajis02-2809	566	20	&	&	CCONJ
ajis02-2809	566	21	datta	datta	PROPN
ajis02-2809	566	22	,	,	PUNCT
ajis02-2809	566	23	b.	b.	PROPN
ajis02-2809	566	24	(	(	PUNCT
ajis02-2809	566	25	2020	2020	NUM
ajis02-2809	566	26	)	)	PUNCT
ajis02-2809	566	27	.	.	PUNCT
ajis02-2809	567	1	travelers	traveler	NOUN
ajis02-2809	567	2	’	’	PART
ajis02-2809	567	3	intention	intention	NOUN
ajis02-2809	567	4	to	to	PART
ajis02-2809	567	5	adopt	adopt	VERB
ajis02-2809	567	6	virtual	virtual	ADJ
ajis02-2809	567	7	reality	reality	NOUN
ajis02-2809	567	8	:	:	PUNCT
ajis02-2809	567	9	a	a	DET
ajis02-2809	567	10	consumer	consumer	NOUN
ajis02-2809	567	11	value	value	NOUN
ajis02-2809	567	12	perspective	perspective	NOUN
ajis02-2809	567	13	.	.	PUNCT
ajis02-2809	568	1	journal	journal	NOUN
ajis02-2809	568	2	of	of	ADP
ajis02-2809	568	3	destination	destination	NOUN
ajis02-2809	568	4	marketing	marketing	NOUN
ajis02-2809	568	5	and	and	CCONJ
ajis02-2809	568	6	management	management	NOUN
ajis02-2809	568	7	,	,	PUNCT
ajis02-2809	568	8	17	17	NUM
ajis02-2809	568	9	.	.	PUNCT
ajis02-2809	569	1	https://doi.org/10.1016/j.jdmm.2020.100456	https://doi.org/10.1016/j.jdmm.2020.100456	PROPN
ajis02-2809	569	2	weir	weir	PROPN
ajis02-2809	569	3	,	,	PUNCT
ajis02-2809	569	4	c.	c.	PROPN
ajis02-2809	569	5	s.	s.	PROPN
ajis02-2809	569	6	,	,	PUNCT
ajis02-2809	569	7	douglas	douglas	PROPN
ajis02-2809	569	8	,	,	PUNCT
ajis02-2809	569	9	g.	g.	PROPN
ajis02-2809	569	10	,	,	PUNCT
ajis02-2809	569	11	carruthers	carruther	NOUN
ajis02-2809	569	12	,	,	PUNCT
ajis02-2809	569	13	m.	m.	NOUN
ajis02-2809	569	14	,	,	PUNCT
ajis02-2809	569	15	&	&	CCONJ
ajis02-2809	569	16	jack	jack	PROPN
ajis02-2809	569	17	,	,	PUNCT
ajis02-2809	569	18	m.	m.	NOUN
ajis02-2809	569	19	(	(	PUNCT
ajis02-2809	569	20	2009	2009	NUM
ajis02-2809	569	21	)	)	PUNCT
ajis02-2809	569	22	.	.	PUNCT
ajis02-2809	570	1	user	user	NOUN
ajis02-2809	570	2	perceptions	perception	NOUN
ajis02-2809	570	3	of	of	ADP
ajis02-2809	570	4	security	security	NOUN
ajis02-2809	570	5	,	,	PUNCT
ajis02-2809	570	6	convenience	convenience	NOUN
ajis02-2809	570	7	and	and	CCONJ
ajis02-2809	570	8	usability	usability	NOUN
ajis02-2809	570	9	for	for	ADP
ajis02-2809	570	10	ebanking	ebanke	VERB
ajis02-2809	570	11	authentication	authentication	NOUN
ajis02-2809	570	12	tokens	token	NOUN
ajis02-2809	570	13	.	.	PUNCT
ajis02-2809	571	1	computers	computer	NOUN
ajis02-2809	571	2	and	and	CCONJ
ajis02-2809	571	3	security	security	NOUN
ajis02-2809	571	4	,	,	PUNCT
ajis02-2809	571	5	28(1–2	28(1–2	PROPN
ajis02-2809	571	6	)	)	PUNCT
ajis02-2809	571	7	,	,	PUNCT
ajis02-2809	571	8	47–62	47–62	NUM
ajis02-2809	571	9	.	.	PUNCT
ajis02-2809	572	1	https://doi.org/10.1016/j.cose.2008.09.008	https://doi.org/10.1016/j.cose.2008.09.008	NOUN
ajis02-2809	572	2	australasian	australasian	ADJ
ajis02-2809	572	3	journal	journal	NOUN
ajis02-2809	572	4	of	of	ADP
ajis02-2809	572	5	information	information	NOUN
ajis02-2809	572	6	systems	systems	PROPN
ajis02-2809	572	7	lai	lai	PROPN
ajis02-2809	572	8	&	&	CCONJ
ajis02-2809	572	9	liew	liew	PROPN
ajis02-2809	572	10	2021	2021	NUM
ajis02-2809	572	11	,	,	PUNCT
ajis02-2809	572	12	vol	vol	NOUN
ajis02-2809	572	13	25	25	NUM
ajis02-2809	572	14	,	,	PUNCT
ajis02-2809	572	15	research	research	NOUN
ajis02-2809	572	16	article	article	NOUN
ajis02-2809	572	17	towards	towards	ADP
ajis02-2809	572	18	a	a	DET
ajis02-2809	572	19	cashless	cashless	NOUN
ajis02-2809	572	20	society	society	NOUN
ajis02-2809	572	21	25	25	NUM
ajis02-2809	572	22	weissman	weissman	PROPN
ajis02-2809	572	23	,	,	PUNCT
ajis02-2809	572	24	a.	a.	NOUN
ajis02-2809	572	25	(	(	PUNCT
ajis02-2809	572	26	2012	2012	NUM
ajis02-2809	572	27	)	)	PUNCT
ajis02-2809	572	28	.	.	PUNCT
ajis02-2809	573	1	convenience	convenience	NOUN
ajis02-2809	573	2	:	:	PUNCT
ajis02-2809	573	3	the	the	DET
ajis02-2809	573	4	third	third	ADJ
ajis02-2809	573	5	essential	essential	ADJ
ajis02-2809	573	6	of	of	ADP
ajis02-2809	573	7	a	a	DET
ajis02-2809	573	8	customer	customer	NOUN
ajis02-2809	573	9	-	-	PUNCT
ajis02-2809	573	10	centric	centric	NOUN
ajis02-2809	573	11	business	business	NOUN
ajis02-2809	573	12	.	.	PUNCT
ajis02-2809	574	1	retrieved	retrieve	VERB
ajis02-2809	574	2	february	february	PROPN
ajis02-2809	574	3	24	24	NUM
ajis02-2809	574	4	,	,	PUNCT
ajis02-2809	574	5	2020	2020	NUM
ajis02-2809	574	6	,	,	PUNCT
ajis02-2809	574	7	from	from	ADP
ajis02-2809	574	8	ux	ux	PROPN
ajis02-2809	574	9	magazine	magazine	NOUN
ajis02-2809	574	10	website	website	NOUN
ajis02-2809	574	11	:	:	PUNCT
ajis02-2809	574	12	https://uxmag.com/articles/convenience	https://uxmag.com/articles/convenience	PROPN
ajis02-2809	574	13	wu	wu	PROPN
ajis02-2809	574	14	,	,	PUNCT
ajis02-2809	574	15	j.	j.	PROPN
ajis02-2809	574	16	,	,	PUNCT
ajis02-2809	574	17	liu	liu	PROPN
ajis02-2809	574	18	,	,	PUNCT
ajis02-2809	574	19	l.	l.	PROPN
ajis02-2809	574	20	,	,	PUNCT
ajis02-2809	574	21	&	&	CCONJ
ajis02-2809	574	22	huang	huang	PROPN
ajis02-2809	574	23	,	,	PUNCT
ajis02-2809	574	24	l.	l.	PROPN
ajis02-2809	574	25	(	(	PUNCT
ajis02-2809	574	26	2017	2017	NUM
ajis02-2809	574	27	)	)	PUNCT
ajis02-2809	574	28	.	.	PUNCT
ajis02-2809	575	1	consumer	consumer	NOUN
ajis02-2809	575	2	acceptance	acceptance	NOUN
ajis02-2809	575	3	of	of	ADP
ajis02-2809	575	4	mobile	mobile	ADJ
ajis02-2809	575	5	payment	payment	NOUN
ajis02-2809	575	6	across	across	ADP
ajis02-2809	575	7	time	time	NOUN
ajis02-2809	575	8	antecedents	antecedent	NOUN
ajis02-2809	575	9	and	and	CCONJ
ajis02-2809	575	10	moderating	moderate	VERB
ajis02-2809	575	11	role	role	NOUN
ajis02-2809	575	12	of	of	ADP
ajis02-2809	575	13	diffusion	diffusion	NOUN
ajis02-2809	575	14	stages	stage	NOUN
ajis02-2809	575	15	.	.	PUNCT
ajis02-2809	576	1	industrial	industrial	ADJ
ajis02-2809	576	2	management	management	NOUN
ajis02-2809	576	3	and	and	CCONJ
ajis02-2809	576	4	data	datum	NOUN
ajis02-2809	576	5	systems	system	NOUN
ajis02-2809	576	6	,	,	PUNCT
ajis02-2809	576	7	117(8	117(8	NUM
ajis02-2809	576	8	)	)	PUNCT
ajis02-2809	576	9	,	,	PUNCT
ajis02-2809	576	10	1761–1776	1761–1776	NUM
ajis02-2809	576	11	.	.	PUNCT
ajis02-2809	577	1	https://doi.org/10.1108/imds-08-2016-0312	https://doi.org/10.1108/imds-08-2016-0312	PROPN
ajis02-2809	577	2	xi	xi	PROPN
ajis02-2809	577	3	,	,	PUNCT
ajis02-2809	577	4	n.	n.	NOUN
ajis02-2809	577	5	,	,	PUNCT
ajis02-2809	577	6	&	&	CCONJ
ajis02-2809	577	7	hamari	hamari	X
ajis02-2809	577	8	,	,	PUNCT
ajis02-2809	577	9	j.	j.	PROPN
ajis02-2809	577	10	(	(	PUNCT
ajis02-2809	577	11	2020	2020	NUM
ajis02-2809	577	12	)	)	PUNCT
ajis02-2809	577	13	.	.	PUNCT
ajis02-2809	578	1	does	do	AUX
ajis02-2809	578	2	gamification	gamification	NOUN
ajis02-2809	578	3	affect	affect	VERB
ajis02-2809	578	4	brand	brand	NOUN
ajis02-2809	578	5	engagement	engagement	NOUN
ajis02-2809	578	6	and	and	CCONJ
ajis02-2809	578	7	equity	equity	NOUN
ajis02-2809	578	8	?	?	PUNCT
ajis02-2809	579	1	a	a	DET
ajis02-2809	579	2	study	study	NOUN
ajis02-2809	579	3	in	in	ADP
ajis02-2809	579	4	online	online	ADJ
ajis02-2809	579	5	brand	brand	NOUN
ajis02-2809	579	6	communities	community	NOUN
ajis02-2809	579	7	.	.	PUNCT
ajis02-2809	580	1	journal	journal	PROPN
ajis02-2809	580	2	of	of	ADP
ajis02-2809	580	3	business	business	NOUN
ajis02-2809	580	4	research	research	NOUN
ajis02-2809	580	5	,	,	PUNCT
ajis02-2809	580	6	109	109	NUM
ajis02-2809	580	7	,	,	PUNCT
ajis02-2809	580	8	449–460	449–460	NUM
ajis02-2809	580	9	.	.	PUNCT
ajis02-2809	581	1	https://doi.org/10.1016/j.jbusres.2019.11.058	https://doi.org/10.1016/j.jbusres.2019.11.058	PROPN
ajis02-2809	581	2	xin	xin	PROPN
ajis02-2809	581	3	,	,	PUNCT
ajis02-2809	581	4	h.	h.	PROPN
ajis02-2809	581	5	,	,	PUNCT
ajis02-2809	581	6	techatassanasoontorn	techatassanasoontorn	ADJ
ajis02-2809	581	7	,	,	PUNCT
ajis02-2809	581	8	a.	a.	NOUN
ajis02-2809	581	9	a.	a.	PROPN
ajis02-2809	581	10	,	,	PUNCT
ajis02-2809	581	11	&	&	CCONJ
ajis02-2809	581	12	tan	tan	PROPN
ajis02-2809	581	13	,	,	PUNCT
ajis02-2809	581	14	f.	f.	PROPN
ajis02-2809	581	15	b.	b.	PROPN
ajis02-2809	581	16	(	(	PUNCT
ajis02-2809	581	17	2015	2015	NUM
ajis02-2809	581	18	,	,	PUNCT
ajis02-2809	581	19	june	june	PROPN
ajis02-2809	581	20	1	1	NUM
ajis02-2809	581	21	)	)	PUNCT
ajis02-2809	581	22	.	.	PUNCT
ajis02-2809	582	1	antecedents	antecedent	NOUN
ajis02-2809	582	2	of	of	ADP
ajis02-2809	582	3	consumer	consumer	NOUN
ajis02-2809	582	4	trust	trust	NOUN
ajis02-2809	582	5	in	in	ADP
ajis02-2809	582	6	mobile	mobile	ADJ
ajis02-2809	582	7	payment	payment	NOUN
ajis02-2809	582	8	adoption	adoption	NOUN
ajis02-2809	582	9	.	.	PUNCT
ajis02-2809	583	1	journal	journal	NOUN
ajis02-2809	583	2	of	of	ADP
ajis02-2809	583	3	computer	computer	NOUN
ajis02-2809	583	4	information	information	NOUN
ajis02-2809	583	5	systems	system	NOUN
ajis02-2809	583	6	,	,	PUNCT
ajis02-2809	583	7	vol	vol	NOUN
ajis02-2809	583	8	.	.	PROPN
ajis02-2809	583	9	55	55	NUM
ajis02-2809	583	10	,	,	PUNCT
ajis02-2809	583	11	pp	pp	ADJ
ajis02-2809	583	12	.	.	PUNCT
ajis02-2809	584	1	1–10	1–10	NOUN
ajis02-2809	584	2	.	.	PUNCT
ajis02-2809	585	1	https://doi.org/10.1080/08874417.2015.11645781	https://doi.org/10.1080/08874417.2015.11645781	X
ajis02-2809	586	1	xu	xu	PROPN
ajis02-2809	586	2	,	,	PUNCT
ajis02-2809	586	3	l.	l.	PROPN
ajis02-2809	586	4	,	,	PUNCT
ajis02-2809	586	5	chen	chen	PROPN
ajis02-2809	586	6	,	,	PUNCT
ajis02-2809	586	7	l.	l.	PROPN
ajis02-2809	586	8	,	,	PUNCT
ajis02-2809	586	9	gao	gao	PROPN
ajis02-2809	586	10	,	,	PUNCT
ajis02-2809	586	11	z.	z.	PROPN
ajis02-2809	586	12	,	,	PUNCT
ajis02-2809	586	13	carranco	carranco	PROPN
ajis02-2809	586	14	,	,	PUNCT
ajis02-2809	586	15	l.	l.	PROPN
ajis02-2809	586	16	,	,	PUNCT
ajis02-2809	586	17	fan	fan	PROPN
ajis02-2809	586	18	,	,	PUNCT
ajis02-2809	586	19	x.	x.	NOUN
ajis02-2809	586	20	,	,	PUNCT
ajis02-2809	586	21	shah	shah	NOUN
ajis02-2809	586	22	,	,	PUNCT
ajis02-2809	586	23	n.	n.	NOUN
ajis02-2809	586	24	,	,	PUNCT
ajis02-2809	586	25	…	…	PUNCT
ajis02-2809	586	26	shi	shi	PROPN
ajis02-2809	586	27	,	,	PUNCT
ajis02-2809	586	28	w.	w.	PROPN
ajis02-2809	586	29	(	(	PUNCT
ajis02-2809	586	30	2020	2020	NUM
ajis02-2809	586	31	)	)	PUNCT
ajis02-2809	586	32	.	.	PUNCT
ajis02-2809	587	1	supporting	support	VERB
ajis02-2809	587	2	blockchain	blockchain	NOUN
ajis02-2809	587	3	-	-	PUNCT
ajis02-2809	587	4	based	base	VERB
ajis02-2809	587	5	cryptocurrency	cryptocurrency	NOUN
ajis02-2809	587	6	mobile	mobile	ADJ
ajis02-2809	587	7	payment	payment	NOUN
ajis02-2809	587	8	with	with	ADP
ajis02-2809	587	9	smart	smart	ADJ
ajis02-2809	587	10	devices	device	NOUN
ajis02-2809	587	11	.	.	PUNCT
ajis02-2809	588	1	ieee	ieee	NOUN
ajis02-2809	588	2	consumer	consumer	NOUN
ajis02-2809	588	3	electronics	electronic	NOUN
ajis02-2809	588	4	magazine	magazine	NOUN
ajis02-2809	588	5	,	,	PUNCT
ajis02-2809	588	6	9(2	9(2	NUM
ajis02-2809	588	7	)	)	PUNCT
ajis02-2809	588	8	,	,	PUNCT
ajis02-2809	588	9	26–33	26–33	NUM
ajis02-2809	588	10	.	.	PUNCT
ajis02-2809	589	1	https://doi.org/10.1109/mce.2019.2953734	https://doi.org/10.1109/mce.2019.2953734	PROPN
ajis02-2809	589	2	yang	yang	PROPN
ajis02-2809	589	3	,	,	PUNCT
ajis02-2809	589	4	y.	y.	PROPN
ajis02-2809	589	5	,	,	PUNCT
ajis02-2809	589	6	asaad	asaad	PROPN
ajis02-2809	589	7	,	,	PUNCT
ajis02-2809	589	8	y.	y.	PROPN
ajis02-2809	589	9	,	,	PUNCT
ajis02-2809	589	10	&	&	CCONJ
ajis02-2809	589	11	dwivedi	dwivedi	PROPN
ajis02-2809	589	12	,	,	PUNCT
ajis02-2809	589	13	y.	y.	PROPN
ajis02-2809	589	14	(	(	PUNCT
ajis02-2809	589	15	2017	2017	NUM
ajis02-2809	589	16	)	)	PUNCT
ajis02-2809	589	17	.	.	PUNCT
ajis02-2809	590	1	examining	examine	VERB
ajis02-2809	590	2	the	the	DET
ajis02-2809	590	3	impact	impact	NOUN
ajis02-2809	590	4	of	of	ADP
ajis02-2809	590	5	gamification	gamification	NOUN
ajis02-2809	590	6	on	on	ADP
ajis02-2809	590	7	intention	intention	NOUN
ajis02-2809	590	8	of	of	ADP
ajis02-2809	590	9	engagement	engagement	NOUN
ajis02-2809	590	10	and	and	CCONJ
ajis02-2809	590	11	brand	brand	NOUN
ajis02-2809	590	12	attitude	attitude	NOUN
ajis02-2809	590	13	in	in	ADP
ajis02-2809	590	14	the	the	DET
ajis02-2809	590	15	marketing	marketing	NOUN
ajis02-2809	590	16	context	context	NOUN
ajis02-2809	590	17	.	.	PUNCT
ajis02-2809	591	1	computers	computer	NOUN
ajis02-2809	591	2	in	in	ADP
ajis02-2809	591	3	human	human	ADJ
ajis02-2809	591	4	behavior	behavior	NOUN
ajis02-2809	591	5	,	,	PUNCT
ajis02-2809	591	6	73	73	NUM
ajis02-2809	591	7	,	,	PUNCT
ajis02-2809	591	8	459–469	459–469	NUM
ajis02-2809	591	9	.	.	PUNCT
ajis02-2809	592	1	https://doi.org/10.1016/j.chb.2017.03.066	https://doi.org/10.1016/j.chb.2017.03.066	PROPN
ajis02-2809	592	2	yuniarta	yuniarta	PROPN
ajis02-2809	592	3	,	,	PUNCT
ajis02-2809	592	4	g.	g.	PROPN
ajis02-2809	592	5	a.	a.	PROPN
ajis02-2809	592	6	,	,	PUNCT
ajis02-2809	592	7	&	&	CCONJ
ajis02-2809	592	8	purnamawati	purnamawati	PROPN
ajis02-2809	592	9	,	,	PUNCT
ajis02-2809	592	10	g.	g.	PROPN
ajis02-2809	592	11	a.	a.	PROPN
ajis02-2809	592	12	(	(	PUNCT
ajis02-2809	592	13	2021	2021	NUM
ajis02-2809	592	14	)	)	PUNCT
ajis02-2809	592	15	.	.	PUNCT
ajis02-2809	593	1	psychological	psychological	ADJ
ajis02-2809	593	2	dimensions	dimension	NOUN
ajis02-2809	593	3	and	and	CCONJ
ajis02-2809	593	4	practical	practical	ADJ
ajis02-2809	593	5	strategies	strategy	NOUN
ajis02-2809	593	6	:	:	PUNCT
ajis02-2809	593	7	msme	msme	NOUN
ajis02-2809	593	8	and	and	CCONJ
ajis02-2809	593	9	mobile	mobile	ADJ
ajis02-2809	593	10	payment	payment	NOUN
ajis02-2809	593	11	adoption	adoption	NOUN
ajis02-2809	593	12	.	.	PUNCT
ajis02-2809	594	1	management	management	NOUN
ajis02-2809	594	2	science	science	NOUN
ajis02-2809	594	3	letters	letter	NOUN
ajis02-2809	594	4	,	,	PUNCT
ajis02-2809	594	5	11	11	NUM
ajis02-2809	594	6	,	,	PUNCT
ajis02-2809	594	7	577	577	NUM
ajis02-2809	594	8	–	–	PUNCT
ajis02-2809	594	9	586	586	NUM
ajis02-2809	594	10	.	.	PUNCT
ajis02-2809	595	1	https://doi.org/10.5267/j.msl.2020.9.009	https://doi.org/10.5267/j.msl.2020.9.009	X
ajis02-2809	595	2	zelezny	zelezny	NOUN
ajis02-2809	595	3	-	-	PUNCT
ajis02-2809	595	4	green	green	PROPN
ajis02-2809	595	5	,	,	PUNCT
ajis02-2809	595	6	r.	r.	PROPN
ajis02-2809	595	7	,	,	PUNCT
ajis02-2809	595	8	voslon	voslon	PROPN
ajis02-2809	595	9	,	,	PUNCT
ajis02-2809	595	10	s.	s.	PROPN
ajis02-2809	595	11	,	,	PUNCT
ajis02-2809	595	12	&	&	CCONJ
ajis02-2809	595	13	conole	conole	PROPN
ajis02-2809	595	14	,	,	PUNCT
ajis02-2809	595	15	g.	g.	PROPN
ajis02-2809	595	16	(	(	PUNCT
ajis02-2809	595	17	2018	2018	NUM
ajis02-2809	595	18	)	)	PUNCT
ajis02-2809	595	19	.	.	PUNCT
ajis02-2809	596	1	digital	digital	ADJ
ajis02-2809	596	2	inclusion	inclusion	NOUN
ajis02-2809	596	3	for	for	ADP
ajis02-2809	596	4	low	low	ADJ
ajis02-2809	596	5	-	-	PUNCT
ajis02-2809	596	6	skilled	skilled	ADJ
ajis02-2809	596	7	and	and	CCONJ
ajis02-2809	596	8	lowliterate	lowliterate	NOUN
ajis02-2809	596	9	people	people	NOUN
ajis02-2809	596	10	:	:	PUNCT
ajis02-2809	596	11	a	a	DET
ajis02-2809	596	12	landscape	landscape	NOUN
ajis02-2809	596	13	review	review	NOUN
ajis02-2809	596	14	unesco	unesco	PROPN
ajis02-2809	596	15	digital	digital	PROPN
ajis02-2809	596	16	library	library	NOUN
ajis02-2809	596	17	.	.	PUNCT
ajis02-2809	597	1	retrieved	retrieve	VERB
ajis02-2809	597	2	from	from	ADP
ajis02-2809	597	3	https://unesdoc.unesco.org/ark:/48223/pf0000261791	https://unesdoc.unesco.org/ark:/48223/pf0000261791	PROPN
ajis02-2809	597	4	zhang	zhang	PROPN
ajis02-2809	597	5	,	,	PUNCT
ajis02-2809	597	6	j.	j.	PROPN
ajis02-2809	597	7	,	,	PUNCT
ajis02-2809	597	8	xu	xu	PROPN
ajis02-2809	597	9	,	,	PUNCT
ajis02-2809	597	10	n.	n.	NOUN
ajis02-2809	597	11	,	,	PUNCT
ajis02-2809	597	12	&	&	CCONJ
ajis02-2809	597	13	bai	bai	PROPN
ajis02-2809	597	14	,	,	PUNCT
ajis02-2809	597	15	s.	s.	PROPN
ajis02-2809	597	16	(	(	PUNCT
ajis02-2809	597	17	2020	2020	NUM
ajis02-2809	597	18	)	)	PUNCT
ajis02-2809	597	19	.	.	PUNCT
ajis02-2809	598	1	the	the	DET
ajis02-2809	598	2	optimal	optimal	ADJ
ajis02-2809	598	3	pricing	pricing	NOUN
ajis02-2809	598	4	decisions	decision	NOUN
ajis02-2809	598	5	for	for	ADP
ajis02-2809	598	6	e	e	NOUN
ajis02-2809	598	7	-	-	NOUN
ajis02-2809	598	8	tailers	tailer	NOUN
ajis02-2809	598	9	with	with	ADP
ajis02-2809	598	10	different	different	ADJ
ajis02-2809	598	11	payment	payment	NOUN
ajis02-2809	598	12	schemes	scheme	NOUN
ajis02-2809	598	13	.	.	PUNCT
ajis02-2809	599	1	electronic	electronic	ADJ
ajis02-2809	599	2	commerce	commerce	NOUN
ajis02-2809	599	3	research	research	NOUN
ajis02-2809	599	4	,	,	PUNCT
ajis02-2809	599	5	1–28	1–28	PROPN
ajis02-2809	599	6	.	.	PUNCT
ajis02-2809	600	1	https://doi.org/10.1007/s10660020-09396-2	https://doi.org/10.1007/s10660020-09396-2	NOUN
ajis02-2809	600	2	copyright	copyright	NOUN
ajis02-2809	600	3	:	:	PUNCT
ajis02-2809	600	4	©	©	PROPN
ajis02-2809	600	5	2021	2021	NUM
ajis02-2809	600	6	authors	author	NOUN
ajis02-2809	600	7	.	.	PUNCT
ajis02-2809	601	1	this	this	PRON
ajis02-2809	601	2	is	be	AUX
ajis02-2809	601	3	an	an	DET
ajis02-2809	601	4	open	open	ADJ
ajis02-2809	601	5	-	-	PUNCT
ajis02-2809	601	6	access	access	NOUN
ajis02-2809	601	7	article	article	NOUN
ajis02-2809	601	8	distributed	distribute	VERB
ajis02-2809	601	9	under	under	ADP
ajis02-2809	601	10	the	the	DET
ajis02-2809	601	11	terms	term	NOUN
ajis02-2809	601	12	of	of	ADP
ajis02-2809	601	13	the	the	DET
ajis02-2809	601	14	creative	creative	ADJ
ajis02-2809	601	15	commons	common	NOUN
ajis02-2809	601	16	attribution	attribution	NOUN
ajis02-2809	601	17	-	-	PUNCT
ajis02-2809	601	18	noncommercial	noncommercial	ADJ
ajis02-2809	601	19	3.0	3.0	NUM
ajis02-2809	601	20	australia	australia	NOUN
ajis02-2809	601	21	license	license	NOUN
ajis02-2809	601	22	,	,	PUNCT
ajis02-2809	601	23	which	which	PRON
ajis02-2809	601	24	permits	permit	VERB
ajis02-2809	601	25	noncommercial	noncommercial	ADJ
ajis02-2809	601	26	use	use	NOUN
ajis02-2809	601	27	,	,	PUNCT
ajis02-2809	601	28	distribution	distribution	NOUN
ajis02-2809	601	29	,	,	PUNCT
ajis02-2809	601	30	and	and	CCONJ
ajis02-2809	601	31	reproduction	reproduction	NOUN
ajis02-2809	601	32	in	in	ADP
ajis02-2809	601	33	any	any	DET
ajis02-2809	601	34	medium	medium	NOUN
ajis02-2809	601	35	,	,	PUNCT
ajis02-2809	601	36	provided	provide	VERB
ajis02-2809	601	37	the	the	DET
ajis02-2809	601	38	original	original	ADJ
ajis02-2809	601	39	author	author	NOUN
ajis02-2809	601	40	and	and	CCONJ
ajis02-2809	601	41	ajis	ajis	ADV
ajis02-2809	601	42	are	be	AUX
ajis02-2809	601	43	credited	credit	VERB
ajis02-2809	601	44	.	.	PUNCT
ajis02-2809	602	1	doi	doi	NOUN
ajis02-2809	602	2	:	:	PUNCT
ajis02-2809	602	3	https://doi.org/10.3127/ajis.v25i0.2809	https://doi.org/10.3127/ajis.v25i0.2809	X
ajis02-2809	602	4	http://creativecommons.org/licenses/by-nc/3.0/au/	http://creativecommons.org/licenses/by-nc/3.0/au/	NOUN
ajis02-2809	602	5	1	1	NUM
ajis02-2809	602	6	 	 	SPACE
ajis02-2809	602	7	introduction	introduction	NOUN
ajis02-2809	602	8	2	2	NUM
ajis02-2809	602	9	mobile	mobile	NOUN
ajis02-2809	602	10	payment	payment	NOUN
ajis02-2809	602	11	development	development	NOUN
ajis02-2809	602	12	in	in	ADP
ajis02-2809	602	13	malaysia	malaysia	PROPN
ajis02-2809	602	14	3	3	NUM
ajis02-2809	602	15	software	software	NOUN
ajis02-2809	602	16	architecture	architecture	NOUN
ajis02-2809	602	17	and	and	CCONJ
ajis02-2809	602	18	design	design	NOUN
ajis02-2809	602	19	of	of	ADP
ajis02-2809	602	20	a	a	DET
ajis02-2809	602	21	gamified	gamifie	VERB
ajis02-2809	602	22	mobile	mobile	ADJ
ajis02-2809	602	23	payment	payment	NOUN
ajis02-2809	602	24	platform	platform	NOUN
ajis02-2809	602	25	4	4	NUM
ajis02-2809	602	26	literature	literature	NOUN
ajis02-2809	602	27	review	review	NOUN
ajis02-2809	602	28	and	and	CCONJ
ajis02-2809	602	29	hypotheses	hypothese	VERB
ajis02-2809	602	30	development	development	NOUN
ajis02-2809	602	31	4.1	4.1	NUM
ajis02-2809	602	32	convenience	convenience	NOUN
ajis02-2809	602	33	4.2	4.2	NUM
ajis02-2809	602	34	security	security	NOUN
ajis02-2809	602	35	4.3	4.3	NUM
ajis02-2809	602	36	convenience	convenience	NOUN
ajis02-2809	602	37	to	to	ADP
ajis02-2809	602	38	security	security	NOUN
ajis02-2809	602	39	5	5	NUM
ajis02-2809	602	40	methodology	methodology	NOUN
ajis02-2809	602	41	5.1	5.1	NUM
ajis02-2809	602	42	data	datum	NOUN
ajis02-2809	602	43	5.2	5.2	NUM
ajis02-2809	602	44	sample	sample	NOUN
ajis02-2809	602	45	statistics	statistic	NOUN
ajis02-2809	602	46	5.3	5.3	NUM
ajis02-2809	602	47	statistical	statistical	ADJ
ajis02-2809	602	48	analysis	analysis	NOUN
ajis02-2809	602	49	6	6	NUM
ajis02-2809	602	50	empirical	empirical	ADJ
ajis02-2809	602	51	results	result	NOUN
ajis02-2809	602	52	6.1	6.1	NUM
ajis02-2809	602	53	measurement	measurement	NOUN
ajis02-2809	602	54	model	model	NOUN
ajis02-2809	602	55	6.2	6.2	NUM
ajis02-2809	602	56	structural	structural	ADJ
ajis02-2809	602	57	model	model	NOUN
ajis02-2809	602	58	7	7	NUM
ajis02-2809	602	59	theoretical	theoretical	ADJ
ajis02-2809	602	60	contributions	contribution	NOUN
ajis02-2809	602	61	8	8	NUM
ajis02-2809	602	62	practical	practical	ADJ
ajis02-2809	602	63	implications	implication	NOUN
ajis02-2809	602	64	9	9	NUM
ajis02-2809	602	65	conclusion	conclusion	NOUN
ajis02-2809	602	66	,	,	PUNCT
ajis02-2809	602	67	limitations	limitation	NOUN
ajis02-2809	602	68	,	,	PUNCT
ajis02-2809	602	69	and	and	CCONJ
ajis02-2809	602	70	future	future	ADJ
ajis02-2809	602	71	directions	direction	NOUN