id	sid	tid	token	lemma	pos
ajis02-3201	1	1	paper	paper	NOUN
ajis02-3201	1	2	title	title	NOUN
ajis02-3201	1	3	(	(	PUNCT
ajis02-3201	1	4	paper	paper	NOUN
ajis02-3201	1	5	title	title	NOUN
ajis02-3201	1	6	style	style	NOUN
ajis02-3201	1	7	)	)	PUNCT
ajis02-3201	1	8	australasian	australasian	ADJ
ajis02-3201	1	9	journal	journal	NOUN
ajis02-3201	1	10	of	of	ADP
ajis02-3201	1	11	information	information	NOUN
ajis02-3201	1	12	systems	system	NOUN
ajis02-3201	1	13	talwar	talwar	PROPN
ajis02-3201	1	14	et	et	PROPN
ajis02-3201	1	15	al	al	PROPN
ajis02-3201	1	16	.	.	PROPN
ajis02-3201	1	17	2021	2021	NUM
ajis02-3201	1	18	,	,	PUNCT
ajis02-3201	1	19	vol	vol	NOUN
ajis02-3201	1	20	25	25	NUM
ajis02-3201	1	21	,	,	PUNCT
ajis02-3201	1	22	research	research	NOUN
ajis02-3201	1	23	on	on	ADP
ajis02-3201	1	24	evaluation	evaluation	NOUN
ajis02-3201	1	25	a	a	DET
ajis02-3201	1	26	study	study	NOUN
ajis02-3201	1	27	of	of	ADP
ajis02-3201	1	28	mobile	mobile	ADJ
ajis02-3201	1	29	payment	payment	NOUN
ajis02-3201	1	30	innovations	innovation	NOUN
ajis02-3201	1	31	of	of	ADP
ajis02-3201	1	32	mobile	mobile	ADJ
ajis02-3201	1	33	applications	application	NOUN
ajis02-3201	1	34	1	1	NUM
ajis02-3201	1	35	why	why	SCONJ
ajis02-3201	1	36	have	have	AUX
ajis02-3201	1	37	consumers	consumer	NOUN
ajis02-3201	1	38	opposed	oppose	VERB
ajis02-3201	1	39	,	,	PUNCT
ajis02-3201	1	40	postponed	postpone	VERB
ajis02-3201	1	41	,	,	PUNCT
ajis02-3201	1	42	and	and	CCONJ
ajis02-3201	1	43	rejected	reject	VERB
ajis02-3201	1	44	innovations	innovation	NOUN
ajis02-3201	1	45	during	during	ADP
ajis02-3201	1	46	a	a	DET
ajis02-3201	1	47	pandemic	pandemic	NOUN
ajis02-3201	1	48	?	?	PUNCT
ajis02-3201	2	1	a	a	DET
ajis02-3201	2	2	study	study	NOUN
ajis02-3201	2	3	of	of	ADP
ajis02-3201	2	4	mobile	mobile	ADJ
ajis02-3201	2	5	payment	payment	NOUN
ajis02-3201	2	6	innovations	innovation	NOUN
ajis02-3201	2	7	shalini	shalini	PROPN
ajis02-3201	2	8	talwar	talwar	PROPN
ajis02-3201	2	9	kj	kj	PROPN
ajis02-3201	2	10	somaiya	somaiya	PROPN
ajis02-3201	2	11	institute	institute	PROPN
ajis02-3201	2	12	of	of	ADP
ajis02-3201	2	13	management	management	NOUN
ajis02-3201	2	14	studies	study	NOUN
ajis02-3201	2	15	and	and	CCONJ
ajis02-3201	2	16	research	research	NOUN
ajis02-3201	2	17	,	,	PUNCT
ajis02-3201	2	18	mumbai	mumbai	PROPN
ajis02-3201	2	19	,	,	PUNCT
ajis02-3201	2	20	india	india	PROPN
ajis02-3201	2	21	manish	manish	PROPN
ajis02-3201	2	22	talwar	talwar	PROPN
ajis02-3201	2	23	alkesh	alkesh	PROPN
ajis02-3201	2	24	dinesh	dinesh	PROPN
ajis02-3201	2	25	mody	mody	PROPN
ajis02-3201	2	26	institute	institute	PROPN
ajis02-3201	2	27	for	for	ADP
ajis02-3201	2	28	financial	financial	ADJ
ajis02-3201	2	29	and	and	CCONJ
ajis02-3201	2	30	management	management	NOUN
ajis02-3201	2	31	studies	study	NOUN
ajis02-3201	2	32	,	,	PUNCT
ajis02-3201	2	33	mumbai	mumbai	PROPN
ajis02-3201	2	34	,	,	PUNCT
ajis02-3201	2	35	india	india	PROPN
ajis02-3201	2	36	puneet	puneet	PROPN
ajis02-3201	2	37	kaur	kaur	PROPN
ajis02-3201	2	38	department	department	PROPN
ajis02-3201	2	39	of	of	ADP
ajis02-3201	2	40	psychosocial	psychosocial	ADJ
ajis02-3201	2	41	science	science	NOUN
ajis02-3201	2	42	,	,	PUNCT
ajis02-3201	2	43	university	university	PROPN
ajis02-3201	2	44	of	of	ADP
ajis02-3201	2	45	bergen	bergen	PROPN
ajis02-3201	2	46	,	,	PUNCT
ajis02-3201	2	47	bergen	bergen	PROPN
ajis02-3201	2	48	,	,	PUNCT
ajis02-3201	2	49	norway	norway	PROPN
ajis02-3201	2	50	optentia	optentia	PROPN
ajis02-3201	2	51	research	research	NOUN
ajis02-3201	2	52	focus	focus	NOUN
ajis02-3201	2	53	area	area	NOUN
ajis02-3201	2	54	,	,	PUNCT
ajis02-3201	2	55	north	north	NOUN
ajis02-3201	2	56	-	-	PUNCT
ajis02-3201	2	57	west	west	PROPN
ajis02-3201	2	58	university	university	PROPN
ajis02-3201	2	59	,	,	PUNCT
ajis02-3201	2	60	vanderbijlpark	vanderbijlpark	PROPN
ajis02-3201	2	61	,	,	PUNCT
ajis02-3201	2	62	south	south	PROPN
ajis02-3201	2	63	africa	africa	PROPN
ajis02-3201	2	64	gurmeet	gurmeet	PROPN
ajis02-3201	2	65	singh	singh	PROPN
ajis02-3201	2	66	the	the	DET
ajis02-3201	2	67	university	university	NOUN
ajis02-3201	2	68	of	of	ADP
ajis02-3201	2	69	the	the	DET
ajis02-3201	2	70	south	south	PROPN
ajis02-3201	2	71	pacific	pacific	PROPN
ajis02-3201	2	72	,	,	PUNCT
ajis02-3201	2	73	fiji	fiji	PROPN
ajis02-3201	2	74	amandeep	amandeep	PROPN
ajis02-3201	2	75	dhir	dhir	ADJ
ajis02-3201	2	76	school	school	NOUN
ajis02-3201	2	77	of	of	ADP
ajis02-3201	2	78	business	business	NOUN
ajis02-3201	2	79	&	&	CCONJ
ajis02-3201	2	80	law	law	PROPN
ajis02-3201	2	81	,	,	PUNCT
ajis02-3201	2	82	university	university	NOUN
ajis02-3201	2	83	of	of	ADP
ajis02-3201	2	84	agder	agder	NOUN
ajis02-3201	2	85	,	,	PUNCT
ajis02-3201	2	86	kristiansand	kristiansand	PROPN
ajis02-3201	2	87	,	,	PUNCT
ajis02-3201	2	88	norway	norway	PROPN
ajis02-3201	2	89	norwegian	norwegian	ADJ
ajis02-3201	2	90	school	school	NOUN
ajis02-3201	2	91	of	of	ADP
ajis02-3201	2	92	hotel	hotel	NOUN
ajis02-3201	2	93	management	management	NOUN
ajis02-3201	2	94	,	,	PUNCT
ajis02-3201	2	95	university	university	NOUN
ajis02-3201	2	96	of	of	ADP
ajis02-3201	2	97	stavanger	stavanger	PROPN
ajis02-3201	2	98	,	,	PUNCT
ajis02-3201	2	99	stavanger	stavanger	PROPN
ajis02-3201	2	100	,	,	PUNCT
ajis02-3201	2	101	norway	norway	PROPN
ajis02-3201	2	102	optentia	optentia	PROPN
ajis02-3201	2	103	research	research	NOUN
ajis02-3201	2	104	focus	focus	NOUN
ajis02-3201	2	105	area	area	NOUN
ajis02-3201	2	106	,	,	PUNCT
ajis02-3201	2	107	north	north	NOUN
ajis02-3201	2	108	-	-	PUNCT
ajis02-3201	2	109	west	west	PROPN
ajis02-3201	2	110	university	university	PROPN
ajis02-3201	2	111	,	,	PUNCT
ajis02-3201	2	112	vanderbijlpark	vanderbijlpark	PROPN
ajis02-3201	2	113	,	,	PUNCT
ajis02-3201	2	114	south	south	PROPN
ajis02-3201	2	115	africa	africa	PROPN
ajis02-3201	2	116	amandeep.dhir@uia.no	amandeep.dhir@uia.no	PROPN
ajis02-3201	3	1	abstract	abstract	ADV
ajis02-3201	3	2	the	the	DET
ajis02-3201	3	3	highly	highly	ADV
ajis02-3201	3	4	infectious	infectious	ADJ
ajis02-3201	3	5	nature	nature	NOUN
ajis02-3201	3	6	of	of	ADP
ajis02-3201	3	7	the	the	DET
ajis02-3201	3	8	covid-19	covid-19	PROPN
ajis02-3201	3	9	virus	virus	NOUN
ajis02-3201	3	10	has	have	AUX
ajis02-3201	3	11	made	make	VERB
ajis02-3201	3	12	the	the	DET
ajis02-3201	3	13	use	use	NOUN
ajis02-3201	3	14	of	of	ADP
ajis02-3201	3	15	contactless	contactless	ADJ
ajis02-3201	3	16	payment	payment	NOUN
ajis02-3201	3	17	methods	method	NOUN
ajis02-3201	3	18	a	a	DET
ajis02-3201	3	19	health	health	NOUN
ajis02-3201	3	20	exigency	exigency	NOUN
ajis02-3201	3	21	.	.	PUNCT
ajis02-3201	4	1	yet	yet	ADV
ajis02-3201	4	2	,	,	PUNCT
ajis02-3201	4	3	consumers	consumer	NOUN
ajis02-3201	4	4	are	be	AUX
ajis02-3201	4	5	resisting	resist	VERB
ajis02-3201	4	6	using	use	VERB
ajis02-3201	4	7	mobile	mobile	ADJ
ajis02-3201	4	8	payments	payment	NOUN
ajis02-3201	4	9	(	(	PUNCT
ajis02-3201	4	10	m	m	NOUN
ajis02-3201	4	11	-	-	NOUN
ajis02-3201	4	12	payments	payment	NOUN
ajis02-3201	4	13	)	)	PUNCT
ajis02-3201	4	14	during	during	ADP
ajis02-3201	4	15	the	the	DET
ajis02-3201	4	16	pandemic	pandemic	NOUN
ajis02-3201	4	17	,	,	PUNCT
ajis02-3201	4	18	a	a	DET
ajis02-3201	4	19	confounding	confound	VERB
ajis02-3201	4	20	behavior	behavior	NOUN
ajis02-3201	4	21	that	that	PRON
ajis02-3201	4	22	needs	need	VERB
ajis02-3201	4	23	to	to	PART
ajis02-3201	4	24	be	be	AUX
ajis02-3201	4	25	better	well	ADV
ajis02-3201	4	26	understood	understand	VERB
ajis02-3201	4	27	.	.	PUNCT
ajis02-3201	5	1	the	the	DET
ajis02-3201	5	2	present	present	ADJ
ajis02-3201	5	3	study	study	NOUN
ajis02-3201	5	4	explicates	explicate	VERB
ajis02-3201	5	5	this	this	DET
ajis02-3201	5	6	behavior	behavior	NOUN
ajis02-3201	5	7	by	by	ADP
ajis02-3201	5	8	examining	examine	VERB
ajis02-3201	5	9	consumer	consumer	NOUN
ajis02-3201	5	10	resistance	resistance	NOUN
ajis02-3201	5	11	to	to	ADP
ajis02-3201	5	12	m	m	NOUN
ajis02-3201	5	13	-	-	NOUN
ajis02-3201	5	14	payments	payment	NOUN
ajis02-3201	5	15	during	during	ADP
ajis02-3201	5	16	the	the	DET
ajis02-3201	5	17	covid-19	covid-19	PROPN
ajis02-3201	5	18	pandemic	pandemic	NOUN
ajis02-3201	5	19	.	.	PUNCT
ajis02-3201	6	1	in	in	ADP
ajis02-3201	6	2	addition	addition	NOUN
ajis02-3201	6	3	,	,	PUNCT
ajis02-3201	6	4	it	it	PRON
ajis02-3201	6	5	provides	provide	VERB
ajis02-3201	6	6	more	more	ADJ
ajis02-3201	6	7	granular	granular	ADJ
ajis02-3201	6	8	findings	finding	NOUN
ajis02-3201	6	9	by	by	ADP
ajis02-3201	6	10	measuring	measure	VERB
ajis02-3201	6	11	three	three	NUM
ajis02-3201	6	12	levels	level	NOUN
ajis02-3201	6	13	of	of	ADP
ajis02-3201	6	14	resistance	resistance	NOUN
ajis02-3201	6	15	/	/	SYM
ajis02-3201	6	16	non	non	NOUN
ajis02-3201	6	17	-	-	NOUN
ajis02-3201	6	18	adoption	adoption	ADJ
ajis02-3201	6	19	,	,	PUNCT
ajis02-3201	6	20	namely	namely	ADV
ajis02-3201	6	21	,	,	PUNCT
ajis02-3201	6	22	postponement	postponement	NOUN
ajis02-3201	6	23	,	,	PUNCT
ajis02-3201	6	24	opposition	opposition	NOUN
ajis02-3201	6	25	,	,	PUNCT
ajis02-3201	6	26	and	and	CCONJ
ajis02-3201	6	27	rejection	rejection	NOUN
ajis02-3201	6	28	.	.	PUNCT
ajis02-3201	7	1	in	in	ADP
ajis02-3201	7	2	this	this	DET
ajis02-3201	7	3	way	way	NOUN
ajis02-3201	7	4	,	,	PUNCT
ajis02-3201	7	5	the	the	DET
ajis02-3201	7	6	study	study	NOUN
ajis02-3201	7	7	adds	add	VERB
ajis02-3201	7	8	depth	depth	NOUN
ajis02-3201	7	9	to	to	ADP
ajis02-3201	7	10	the	the	DET
ajis02-3201	7	11	literature	literature	NOUN
ajis02-3201	7	12	,	,	PUNCT
ajis02-3201	7	13	which	which	PRON
ajis02-3201	7	14	has	have	AUX
ajis02-3201	7	15	largely	largely	ADV
ajis02-3201	7	16	examined	examine	VERB
ajis02-3201	7	17	resistance	resistance	NOUN
ajis02-3201	7	18	at	at	ADP
ajis02-3201	7	19	an	an	DET
ajis02-3201	7	20	aggregate	aggregate	ADJ
ajis02-3201	7	21	level	level	NOUN
ajis02-3201	7	22	to	to	PART
ajis02-3201	7	23	yield	yield	VERB
ajis02-3201	7	24	generic	generic	ADJ
ajis02-3201	7	25	findings	finding	NOUN
ajis02-3201	7	26	.	.	PUNCT
ajis02-3201	8	1	toward	toward	ADP
ajis02-3201	8	2	this	this	DET
ajis02-3201	8	3	end	end	NOUN
ajis02-3201	8	4	,	,	PUNCT
ajis02-3201	8	5	the	the	DET
ajis02-3201	8	6	study	study	NOUN
ajis02-3201	8	7	draws	draw	VERB
ajis02-3201	8	8	upon	upon	SCONJ
ajis02-3201	8	9	the	the	DET
ajis02-3201	8	10	innovation	innovation	NOUN
ajis02-3201	8	11	resistance	resistance	NOUN
ajis02-3201	8	12	theory	theory	NOUN
ajis02-3201	8	13	(	(	PUNCT
ajis02-3201	8	14	irt	irt	PROPN
ajis02-3201	8	15	)	)	PUNCT
ajis02-3201	8	16	to	to	PART
ajis02-3201	8	17	propose	propose	VERB
ajis02-3201	8	18	that	that	DET
ajis02-3201	8	19	usage	usage	NOUN
ajis02-3201	8	20	,	,	PUNCT
ajis02-3201	8	21	value	value	NOUN
ajis02-3201	8	22	,	,	PUNCT
ajis02-3201	8	23	risk	risk	NOUN
ajis02-3201	8	24	,	,	PUNCT
ajis02-3201	8	25	tradition	tradition	NOUN
ajis02-3201	8	26	,	,	PUNCT
ajis02-3201	8	27	and	and	CCONJ
ajis02-3201	8	28	image	image	NOUN
ajis02-3201	8	29	barriers	barrier	NOUN
ajis02-3201	8	30	influence	influence	VERB
ajis02-3201	8	31	the	the	DET
ajis02-3201	8	32	three	three	NUM
ajis02-3201	8	33	levels	level	NOUN
ajis02-3201	8	34	of	of	ADP
ajis02-3201	8	35	resistance	resistance	NOUN
ajis02-3201	8	36	/	/	SYM
ajis02-3201	8	37	non	non	NOUN
ajis02-3201	8	38	-	-	NOUN
ajis02-3201	8	39	adoption	adoption	NOUN
ajis02-3201	8	40	differently	differently	ADV
ajis02-3201	8	41	.	.	PUNCT
ajis02-3201	9	1	an	an	DET
ajis02-3201	9	2	artificial	artificial	ADJ
ajis02-3201	9	3	neural	neural	ADJ
ajis02-3201	9	4	network	network	NOUN
ajis02-3201	9	5	analysis	analysis	NOUN
ajis02-3201	9	6	(	(	PUNCT
ajis02-3201	9	7	ann	ann	PROPN
ajis02-3201	9	8	)	)	PUNCT
ajis02-3201	9	9	of	of	ADP
ajis02-3201	9	10	the	the	DET
ajis02-3201	9	11	data	datum	NOUN
ajis02-3201	9	12	collected	collect	VERB
ajis02-3201	9	13	from	from	ADP
ajis02-3201	9	14	406	406	NUM
ajis02-3201	9	15	non	non	NOUN
ajis02-3201	9	16	-	-	NOUN
ajis02-3201	9	17	users	user	NOUN
ajis02-3201	9	18	of	of	ADP
ajis02-3201	9	19	m	m	NOUN
ajis02-3201	9	20	-	-	PUNCT
ajis02-3201	9	21	payments	payment	NOUN
ajis02-3201	9	22	confirmed	confirm	VERB
ajis02-3201	9	23	that	that	SCONJ
ajis02-3201	9	24	the	the	DET
ajis02-3201	9	25	influence	influence	NOUN
ajis02-3201	9	26	of	of	ADP
ajis02-3201	9	27	the	the	DET
ajis02-3201	9	28	five	five	NUM
ajis02-3201	9	29	barriers	barrier	NOUN
ajis02-3201	9	30	varies	vary	VERB
ajis02-3201	9	31	for	for	ADP
ajis02-3201	9	32	the	the	DET
ajis02-3201	9	33	three	three	NUM
ajis02-3201	9	34	levels	level	NOUN
ajis02-3201	9	35	of	of	ADP
ajis02-3201	9	36	resistance	resistance	NOUN
ajis02-3201	9	37	/	/	SYM
ajis02-3201	9	38	non	non	NOUN
ajis02-3201	9	39	-	-	NOUN
ajis02-3201	9	40	adoption	adoption	NOUN
ajis02-3201	9	41	.	.	PUNCT
ajis02-3201	10	1	the	the	DET
ajis02-3201	10	2	results	result	NOUN
ajis02-3201	10	3	further	far	ADV
ajis02-3201	10	4	suggest	suggest	VERB
ajis02-3201	10	5	that	that	SCONJ
ajis02-3201	10	6	the	the	DET
ajis02-3201	10	7	usage	usage	NOUN
ajis02-3201	10	8	barrier	barrier	NOUN
ajis02-3201	10	9	is	be	AUX
ajis02-3201	10	10	the	the	DET
ajis02-3201	10	11	most	most	ADV
ajis02-3201	10	12	significant	significant	ADJ
ajis02-3201	10	13	contributor	contributor	NOUN
ajis02-3201	10	14	to	to	ADP
ajis02-3201	10	15	opposition	opposition	NOUN
ajis02-3201	10	16	and	and	CCONJ
ajis02-3201	10	17	rejection	rejection	NOUN
ajis02-3201	10	18	intentions	intention	NOUN
ajis02-3201	10	19	toward	toward	ADP
ajis02-3201	10	20	m	m	NOUN
ajis02-3201	10	21	-	-	NOUN
ajis02-3201	10	22	payments	payment	NOUN
ajis02-3201	10	23	,	,	PUNCT
ajis02-3201	10	24	whereas	whereas	SCONJ
ajis02-3201	10	25	the	the	DET
ajis02-3201	10	26	image	image	NOUN
ajis02-3201	10	27	barrier	barrier	NOUN
ajis02-3201	10	28	is	be	AUX
ajis02-3201	10	29	the	the	DET
ajis02-3201	10	30	most	most	ADV
ajis02-3201	10	31	influential	influential	ADJ
ajis02-3201	10	32	for	for	ADP
ajis02-3201	10	33	postponement	postponement	NOUN
ajis02-3201	10	34	intentions	intention	NOUN
ajis02-3201	10	35	.	.	PUNCT
ajis02-3201	11	1	this	this	DET
ajis02-3201	11	2	study	study	NOUN
ajis02-3201	11	3	thus	thus	ADV
ajis02-3201	11	4	makes	make	VERB
ajis02-3201	11	5	a	a	DET
ajis02-3201	11	6	useful	useful	ADJ
ajis02-3201	11	7	contribution	contribution	NOUN
ajis02-3201	11	8	to	to	ADP
ajis02-3201	11	9	theory	theory	NOUN
ajis02-3201	11	10	and	and	CCONJ
ajis02-3201	11	11	practice	practice	NOUN
ajis02-3201	11	12	.	.	PUNCT
ajis02-3201	12	1	keywords	keyword	NOUN
ajis02-3201	12	2	:	:	PUNCT
ajis02-3201	12	3	consumer	consumer	NOUN
ajis02-3201	12	4	resistance	resistance	NOUN
ajis02-3201	12	5	,	,	PUNCT
ajis02-3201	12	6	functional	functional	ADJ
ajis02-3201	12	7	and	and	CCONJ
ajis02-3201	12	8	psychological	psychological	ADJ
ajis02-3201	12	9	barriers	barrier	NOUN
ajis02-3201	12	10	,	,	PUNCT
ajis02-3201	12	11	innovation	innovation	NOUN
ajis02-3201	12	12	resistance	resistance	NOUN
ajis02-3201	12	13	theory	theory	NOUN
ajis02-3201	12	14	,	,	PUNCT
ajis02-3201	12	15	non	non	ADJ
ajis02-3201	12	16	-	-	NOUN
ajis02-3201	12	17	adoption	adoption	ADJ
ajis02-3201	12	18	,	,	PUNCT
ajis02-3201	12	19	mobile	mobile	ADJ
ajis02-3201	12	20	wallets	wallet	NOUN
ajis02-3201	12	21	1	1	NUM
ajis02-3201	12	22	introduction	introduction	NOUN
ajis02-3201	12	23	covid-19	covid-19	PROPN
ajis02-3201	12	24	has	have	AUX
ajis02-3201	12	25	transcended	transcend	VERB
ajis02-3201	12	26	geographical	geographical	ADJ
ajis02-3201	12	27	boundaries	boundary	NOUN
ajis02-3201	12	28	with	with	ADP
ajis02-3201	12	29	a	a	DET
ajis02-3201	12	30	global	global	ADJ
ajis02-3201	12	31	pandemic	pandemic	NOUN
ajis02-3201	12	32	that	that	PRON
ajis02-3201	12	33	has	have	VERB
ajis02-3201	12	34	an	an	DET
ajis02-3201	12	35	exponentially	exponentially	ADV
ajis02-3201	12	36	rising	rise	VERB
ajis02-3201	12	37	number	number	NOUN
ajis02-3201	12	38	of	of	ADP
ajis02-3201	12	39	confirmed	confirm	VERB
ajis02-3201	12	40	cases	case	NOUN
ajis02-3201	12	41	and	and	CCONJ
ajis02-3201	12	42	deaths	death	NOUN
ajis02-3201	12	43	(	(	PUNCT
ajis02-3201	12	44	undp	undp	PROPN
ajis02-3201	12	45	,	,	PUNCT
ajis02-3201	12	46	2020	2020	NUM
ajis02-3201	12	47	;	;	PUNCT
ajis02-3201	12	48	who	who	PRON
ajis02-3201	12	49	,	,	PUNCT
ajis02-3201	12	50	2020a	2020a	NUM
ajis02-3201	12	51	)	)	PUNCT
ajis02-3201	12	52	.	.	PUNCT
ajis02-3201	13	1	australasian	australasian	ADJ
ajis02-3201	13	2	journal	journal	NOUN
ajis02-3201	13	3	of	of	ADP
ajis02-3201	13	4	information	information	NOUN
ajis02-3201	13	5	systems	system	NOUN
ajis02-3201	13	6	talwar	talwar	PROPN
ajis02-3201	13	7	et	et	PROPN
ajis02-3201	13	8	al	al	PROPN
ajis02-3201	13	9	.	.	PROPN
ajis02-3201	13	10	2021	2021	NUM
ajis02-3201	13	11	,	,	PUNCT
ajis02-3201	13	12	vol	vol	NOUN
ajis02-3201	13	13	25	25	NUM
ajis02-3201	13	14	,	,	PUNCT
ajis02-3201	13	15	research	research	NOUN
ajis02-3201	13	16	on	on	ADP
ajis02-3201	13	17	evaluation	evaluation	NOUN
ajis02-3201	13	18	a	a	DET
ajis02-3201	13	19	study	study	NOUN
ajis02-3201	13	20	of	of	ADP
ajis02-3201	13	21	mobile	mobile	ADJ
ajis02-3201	13	22	payment	payment	NOUN
ajis02-3201	13	23	innovations	innovation	NOUN
ajis02-3201	13	24	of	of	ADP
ajis02-3201	13	25	mobile	mobile	ADJ
ajis02-3201	13	26	applications	application	NOUN
ajis02-3201	13	27	2	2	NUM
ajis02-3201	13	28	countries	country	NOUN
ajis02-3201	13	29	have	have	AUX
ajis02-3201	13	30	responded	respond	VERB
ajis02-3201	13	31	to	to	ADP
ajis02-3201	13	32	the	the	DET
ajis02-3201	13	33	pandemic	pandemic	NOUN
ajis02-3201	13	34	by	by	ADP
ajis02-3201	13	35	introducing	introduce	VERB
ajis02-3201	13	36	various	various	ADJ
ajis02-3201	13	37	control	control	NOUN
ajis02-3201	13	38	measures	measure	NOUN
ajis02-3201	13	39	,	,	PUNCT
ajis02-3201	13	40	including	include	VERB
ajis02-3201	13	41	complete	complete	ADJ
ajis02-3201	13	42	domestic	domestic	ADJ
ajis02-3201	13	43	shutdown	shutdown	NOUN
ajis02-3201	13	44	or	or	CCONJ
ajis02-3201	13	45	lockdown	lockdown	NOUN
ajis02-3201	13	46	of	of	ADP
ajis02-3201	13	47	activity	activity	NOUN
ajis02-3201	13	48	,	,	PUNCT
ajis02-3201	13	49	social	social	ADJ
ajis02-3201	13	50	distancing	distancing	NOUN
ajis02-3201	13	51	norms	norm	NOUN
ajis02-3201	13	52	,	,	PUNCT
ajis02-3201	13	53	travel	travel	NOUN
ajis02-3201	13	54	restrictions	restriction	NOUN
ajis02-3201	13	55	,	,	PUNCT
ajis02-3201	13	56	and	and	CCONJ
ajis02-3201	13	57	provisions	provision	NOUN
ajis02-3201	13	58	of	of	ADP
ajis02-3201	13	59	quarantine	quarantine	NOUN
ajis02-3201	13	60	for	for	ADP
ajis02-3201	13	61	those	those	PRON
ajis02-3201	13	62	who	who	PRON
ajis02-3201	13	63	have	have	AUX
ajis02-3201	13	64	been	be	AUX
ajis02-3201	13	65	exposed	expose	VERB
ajis02-3201	13	66	to	to	ADP
ajis02-3201	13	67	the	the	DET
ajis02-3201	13	68	virus	virus	NOUN
ajis02-3201	13	69	(	(	PUNCT
ajis02-3201	13	70	fang	fang	X
ajis02-3201	13	71	,	,	PUNCT
ajis02-3201	13	72	nie	nie	PROPN
ajis02-3201	13	73	,	,	PUNCT
ajis02-3201	13	74	&	&	CCONJ
ajis02-3201	13	75	penny	penny	NOUN
ajis02-3201	13	76	,	,	PUNCT
ajis02-3201	13	77	2020	2020	NUM
ajis02-3201	13	78	)	)	PUNCT
ajis02-3201	13	79	.	.	PUNCT
ajis02-3201	14	1	the	the	DET
ajis02-3201	14	2	transmission	transmission	NOUN
ajis02-3201	14	3	routes	route	NOUN
ajis02-3201	14	4	of	of	ADP
ajis02-3201	14	5	covid-19	covid-19	PROPN
ajis02-3201	14	6	span	span	VERB
ajis02-3201	14	7	not	not	PART
ajis02-3201	14	8	only	only	ADV
ajis02-3201	14	9	the	the	DET
ajis02-3201	14	10	spread	spread	NOUN
ajis02-3201	14	11	through	through	ADP
ajis02-3201	14	12	infected	infect	VERB
ajis02-3201	14	13	individuals	individual	NOUN
ajis02-3201	14	14	but	but	CCONJ
ajis02-3201	14	15	also	also	ADV
ajis02-3201	14	16	through	through	ADP
ajis02-3201	14	17	contaminated	contaminate	VERB
ajis02-3201	14	18	surfaces	surface	NOUN
ajis02-3201	14	19	(	(	PUNCT
ajis02-3201	14	20	who	who	PRON
ajis02-3201	14	21	,	,	PUNCT
ajis02-3201	14	22	2020b	2020b	NUM
ajis02-3201	14	23	)	)	PUNCT
ajis02-3201	14	24	.	.	PUNCT
ajis02-3201	15	1	therefore	therefore	ADV
ajis02-3201	15	2	,	,	PUNCT
ajis02-3201	15	3	the	the	DET
ajis02-3201	15	4	risk	risk	NOUN
ajis02-3201	15	5	of	of	ADP
ajis02-3201	15	6	infection	infection	NOUN
ajis02-3201	15	7	through	through	ADP
ajis02-3201	15	8	physical	physical	ADJ
ajis02-3201	15	9	currency	currency	NOUN
ajis02-3201	15	10	,	,	PUNCT
ajis02-3201	15	11	such	such	ADJ
ajis02-3201	15	12	as	as	ADP
ajis02-3201	15	13	banknotes	banknote	NOUN
ajis02-3201	15	14	and	and	CCONJ
ajis02-3201	15	15	coins	coin	NOUN
ajis02-3201	15	16	,	,	PUNCT
ajis02-3201	15	17	can	can	AUX
ajis02-3201	15	18	not	not	PART
ajis02-3201	15	19	be	be	AUX
ajis02-3201	15	20	ignored	ignore	VERB
ajis02-3201	15	21	,	,	PUNCT
ajis02-3201	15	22	given	give	VERB
ajis02-3201	15	23	that	that	SCONJ
ajis02-3201	15	24	the	the	DET
ajis02-3201	15	25	virus	virus	NOUN
ajis02-3201	15	26	can	can	AUX
ajis02-3201	15	27	survive	survive	VERB
ajis02-3201	15	28	on	on	ADP
ajis02-3201	15	29	solid	solid	ADJ
ajis02-3201	15	30	surfaces	surface	NOUN
ajis02-3201	15	31	for	for	ADP
ajis02-3201	15	32	several	several	ADJ
ajis02-3201	15	33	days	day	NOUN
ajis02-3201	15	34	(	(	PUNCT
ajis02-3201	15	35	doremalen	doremalen	VERB
ajis02-3201	15	36	et	et	PROPN
ajis02-3201	15	37	al	al	PROPN
ajis02-3201	15	38	.	.	PROPN
ajis02-3201	15	39	,	,	PUNCT
ajis02-3201	15	40	2020	2020	NUM
ajis02-3201	15	41	)	)	PUNCT
ajis02-3201	15	42	.	.	PUNCT
ajis02-3201	16	1	in	in	ADP
ajis02-3201	16	2	fact	fact	NOUN
ajis02-3201	16	3	,	,	PUNCT
ajis02-3201	16	4	research	research	NOUN
ajis02-3201	16	5	during	during	ADP
ajis02-3201	16	6	pre	pre	ADJ
ajis02-3201	16	7	-	-	ADJ
ajis02-3201	16	8	covid-19	covid-19	ADJ
ajis02-3201	16	9	times	time	NOUN
ajis02-3201	16	10	has	have	AUX
ajis02-3201	16	11	revealed	reveal	VERB
ajis02-3201	16	12	that	that	SCONJ
ajis02-3201	16	13	human	human	ADJ
ajis02-3201	16	14	influenza	influenza	NOUN
ajis02-3201	16	15	viruses	virus	NOUN
ajis02-3201	16	16	deposited	deposit	VERB
ajis02-3201	16	17	on	on	ADP
ajis02-3201	16	18	currency	currency	NOUN
ajis02-3201	16	19	notes	note	NOUN
ajis02-3201	16	20	could	could	AUX
ajis02-3201	16	21	survive	survive	VERB
ajis02-3201	16	22	and	and	CCONJ
ajis02-3201	16	23	remain	remain	VERB
ajis02-3201	16	24	infectious	infectious	ADJ
ajis02-3201	16	25	for	for	ADP
ajis02-3201	16	26	extended	extended	ADJ
ajis02-3201	16	27	periods	period	NOUN
ajis02-3201	16	28	(	(	PUNCT
ajis02-3201	16	29	thomas	thomas	PROPN
ajis02-3201	16	30	et	et	PROPN
ajis02-3201	16	31	al	al	PROPN
ajis02-3201	16	32	.	.	PROPN
ajis02-3201	16	33	,	,	PUNCT
ajis02-3201	16	34	2008	2008	NUM
ajis02-3201	16	35	)	)	PUNCT
ajis02-3201	16	36	.	.	PUNCT
ajis02-3201	17	1	other	other	ADJ
ajis02-3201	17	2	studies	study	NOUN
ajis02-3201	17	3	have	have	AUX
ajis02-3201	17	4	also	also	ADV
ajis02-3201	17	5	confirmed	confirm	VERB
ajis02-3201	17	6	that	that	SCONJ
ajis02-3201	17	7	currency	currency	NOUN
ajis02-3201	17	8	notes	note	NOUN
ajis02-3201	17	9	can	can	AUX
ajis02-3201	17	10	be	be	AUX
ajis02-3201	17	11	contaminated	contaminate	VERB
ajis02-3201	17	12	with	with	ADP
ajis02-3201	17	13	a	a	DET
ajis02-3201	17	14	variety	variety	NOUN
ajis02-3201	17	15	of	of	ADP
ajis02-3201	17	16	pathogenic	pathogenic	ADJ
ajis02-3201	17	17	bacteria	bacteria	NOUN
ajis02-3201	17	18	that	that	PRON
ajis02-3201	17	19	transmit	transmit	VERB
ajis02-3201	17	20	infections	infection	NOUN
ajis02-3201	17	21	to	to	ADP
ajis02-3201	17	22	the	the	DET
ajis02-3201	17	23	individuals	individual	NOUN
ajis02-3201	17	24	who	who	PRON
ajis02-3201	17	25	handle	handle	VERB
ajis02-3201	17	26	them	they	PRON
ajis02-3201	17	27	(	(	PUNCT
ajis02-3201	17	28	abd	abd	PROPN
ajis02-3201	17	29	alfadil	alfadil	PROPN
ajis02-3201	17	30	,	,	PUNCT
ajis02-3201	17	31	mohamed	mohamed	PROPN
ajis02-3201	17	32	,	,	PUNCT
ajis02-3201	17	33	ali	ali	PROPN
ajis02-3201	17	34	,	,	PUNCT
ajis02-3201	17	35	&	&	CCONJ
ajis02-3201	17	36	el	el	PROPN
ajis02-3201	17	37	nima	nima	PROPN
ajis02-3201	17	38	,	,	PUNCT
ajis02-3201	17	39	2018	2018	NUM
ajis02-3201	17	40	)	)	PUNCT
ajis02-3201	17	41	.	.	PUNCT
ajis02-3201	18	1	given	give	VERB
ajis02-3201	18	2	the	the	DET
ajis02-3201	18	3	extremely	extremely	ADV
ajis02-3201	18	4	infectious	infectious	ADJ
ajis02-3201	18	5	nature	nature	NOUN
ajis02-3201	18	6	of	of	ADP
ajis02-3201	18	7	covid-19	covid-19	PROPN
ajis02-3201	18	8	virus	virus	NOUN
ajis02-3201	18	9	(	(	PUNCT
ajis02-3201	18	10	xu	xu	INTJ
ajis02-3201	18	11	et	et	PROPN
ajis02-3201	18	12	al	al	PROPN
ajis02-3201	18	13	.	.	PROPN
ajis02-3201	18	14	,	,	PUNCT
ajis02-3201	18	15	2020	2020	NUM
ajis02-3201	18	16	)	)	PUNCT
ajis02-3201	18	17	,	,	PUNCT
ajis02-3201	18	18	it	it	PRON
ajis02-3201	18	19	is	be	AUX
ajis02-3201	18	20	pertinent	pertinent	ADJ
ajis02-3201	18	21	to	to	PART
ajis02-3201	18	22	expect	expect	VERB
ajis02-3201	18	23	that	that	SCONJ
ajis02-3201	18	24	individuals	individual	NOUN
ajis02-3201	18	25	may	may	AUX
ajis02-3201	18	26	worry	worry	VERB
ajis02-3201	18	27	about	about	ADP
ajis02-3201	18	28	its	its	PRON
ajis02-3201	18	29	transmission	transmission	NOUN
ajis02-3201	18	30	through	through	ADP
ajis02-3201	18	31	currency	currency	NOUN
ajis02-3201	18	32	notes	note	NOUN
ajis02-3201	18	33	,	,	PUNCT
ajis02-3201	18	34	thereby	thereby	ADV
ajis02-3201	18	35	resorting	resort	VERB
ajis02-3201	18	36	to	to	ADP
ajis02-3201	18	37	the	the	DET
ajis02-3201	18	38	use	use	NOUN
ajis02-3201	18	39	of	of	ADP
ajis02-3201	18	40	contactless	contactless	ADJ
ajis02-3201	18	41	payment	payment	NOUN
ajis02-3201	18	42	transactions	transaction	NOUN
ajis02-3201	18	43	,	,	PUNCT
ajis02-3201	18	44	e.g.	e.g.	ADV
ajis02-3201	18	45	,	,	PUNCT
ajis02-3201	18	46	mobile	mobile	ADJ
ajis02-3201	18	47	wallets	wallet	NOUN
ajis02-3201	18	48	(	(	PUNCT
ajis02-3201	18	49	m	m	NOUN
ajis02-3201	18	50	-	-	NOUN
ajis02-3201	18	51	wallets	wallet	NOUN
ajis02-3201	18	52	)	)	PUNCT
ajis02-3201	18	53	.	.	PUNCT
ajis02-3201	19	1	thus	thus	ADV
ajis02-3201	19	2	,	,	PUNCT
ajis02-3201	19	3	it	it	PRON
ajis02-3201	19	4	can	can	AUX
ajis02-3201	19	5	be	be	AUX
ajis02-3201	19	6	argued	argue	VERB
ajis02-3201	19	7	that	that	SCONJ
ajis02-3201	19	8	the	the	DET
ajis02-3201	19	9	pandemic	pandemic	NOUN
ajis02-3201	19	10	presents	present	VERB
ajis02-3201	19	11	an	an	DET
ajis02-3201	19	12	opportunity	opportunity	NOUN
ajis02-3201	19	13	to	to	PART
ajis02-3201	19	14	divert	divert	VERB
ajis02-3201	19	15	individuals	individual	NOUN
ajis02-3201	19	16	'	'	PART
ajis02-3201	19	17	habit	habit	NOUN
ajis02-3201	19	18	of	of	ADP
ajis02-3201	19	19	using	use	VERB
ajis02-3201	19	20	cash	cash	NOUN
ajis02-3201	19	21	towards	towards	ADP
ajis02-3201	19	22	digital	digital	ADJ
ajis02-3201	19	23	modes	mode	NOUN
ajis02-3201	19	24	of	of	ADP
ajis02-3201	19	25	transactions	transaction	NOUN
ajis02-3201	19	26	instead	instead	ADV
ajis02-3201	19	27	,	,	PUNCT
ajis02-3201	19	28	an	an	DET
ajis02-3201	19	29	agenda	agenda	NOUN
ajis02-3201	19	30	that	that	SCONJ
ajis02-3201	19	31	governments	government	NOUN
ajis02-3201	19	32	have	have	AUX
ajis02-3201	19	33	been	be	AUX
ajis02-3201	19	34	pursuing	pursue	VERB
ajis02-3201	19	35	for	for	ADP
ajis02-3201	19	36	quite	quite	DET
ajis02-3201	19	37	some	some	DET
ajis02-3201	19	38	time	time	NOUN
ajis02-3201	19	39	(	(	PUNCT
ajis02-3201	19	40	jakhiya	jakhiya	PROPN
ajis02-3201	19	41	,	,	PUNCT
ajis02-3201	19	42	bishnoi	bishnoi	PROPN
ajis02-3201	19	43	,	,	PUNCT
ajis02-3201	19	44	&	&	CCONJ
ajis02-3201	19	45	purohit	purohit	PROPN
ajis02-3201	19	46	,	,	PUNCT
ajis02-3201	19	47	2020	2020	NUM
ajis02-3201	19	48	)	)	PUNCT
ajis02-3201	19	49	.	.	PUNCT
ajis02-3201	20	1	based	base	VERB
ajis02-3201	20	2	on	on	ADP
ajis02-3201	20	3	the	the	DET
ajis02-3201	20	4	above	above	ADJ
ajis02-3201	20	5	discussion	discussion	NOUN
ajis02-3201	20	6	,	,	PUNCT
ajis02-3201	20	7	we	we	PRON
ajis02-3201	20	8	can	can	AUX
ajis02-3201	20	9	say	say	VERB
ajis02-3201	20	10	that	that	SCONJ
ajis02-3201	20	11	a	a	DET
ajis02-3201	20	12	silver	silver	NOUN
ajis02-3201	20	13	lining	lining	NOUN
ajis02-3201	20	14	in	in	ADP
ajis02-3201	20	15	the	the	DET
ajis02-3201	20	16	gloom	gloom	NOUN
ajis02-3201	20	17	of	of	ADP
ajis02-3201	20	18	the	the	DET
ajis02-3201	20	19	covid-19	covid-19	PROPN
ajis02-3201	20	20	pandemic	pandemic	NOUN
ajis02-3201	20	21	is	be	AUX
ajis02-3201	20	22	that	that	SCONJ
ajis02-3201	20	23	,	,	PUNCT
ajis02-3201	20	24	globally	globally	ADV
ajis02-3201	20	25	,	,	PUNCT
ajis02-3201	20	26	there	there	PRON
ajis02-3201	20	27	is	be	VERB
ajis02-3201	20	28	a	a	DET
ajis02-3201	20	29	hope	hope	NOUN
ajis02-3201	20	30	that	that	SCONJ
ajis02-3201	20	31	the	the	DET
ajis02-3201	20	32	use	use	NOUN
ajis02-3201	20	33	of	of	ADP
ajis02-3201	20	34	digital	digital	ADJ
ajis02-3201	20	35	payments	payment	NOUN
ajis02-3201	20	36	,	,	PUNCT
ajis02-3201	20	37	which	which	PRON
ajis02-3201	20	38	include	include	VERB
ajis02-3201	20	39	all	all	DET
ajis02-3201	20	40	non	non	ADJ
ajis02-3201	20	41	-	-	ADJ
ajis02-3201	20	42	mobile	mobile	ADJ
ajis02-3201	20	43	and	and	CCONJ
ajis02-3201	20	44	mobile	mobile	NOUN
ajis02-3201	20	45	payments	payment	NOUN
ajis02-3201	20	46	made	make	VERB
ajis02-3201	20	47	through	through	ADP
ajis02-3201	20	48	the	the	DET
ajis02-3201	20	49	internet	internet	NOUN
ajis02-3201	20	50	,	,	PUNCT
ajis02-3201	20	51	will	will	AUX
ajis02-3201	20	52	exponentially	exponentially	ADV
ajis02-3201	20	53	increase	increase	VERB
ajis02-3201	20	54	as	as	SCONJ
ajis02-3201	20	55	people	people	NOUN
ajis02-3201	20	56	avoid	avoid	VERB
ajis02-3201	20	57	the	the	DET
ajis02-3201	20	58	use	use	NOUN
ajis02-3201	20	59	of	of	ADP
ajis02-3201	20	60	currency	currency	NOUN
ajis02-3201	20	61	notes	note	NOUN
ajis02-3201	20	62	for	for	ADP
ajis02-3201	20	63	fear	fear	NOUN
ajis02-3201	20	64	of	of	ADP
ajis02-3201	20	65	the	the	DET
ajis02-3201	20	66	virus	virus	NOUN
ajis02-3201	20	67	transmission	transmission	NOUN
ajis02-3201	20	68	.	.	PUNCT
ajis02-3201	21	1	initial	initial	ADJ
ajis02-3201	21	2	media	medium	NOUN
ajis02-3201	21	3	reports	report	NOUN
ajis02-3201	21	4	about	about	ADP
ajis02-3201	21	5	the	the	DET
ajis02-3201	21	6	increased	increase	VERB
ajis02-3201	21	7	usage	usage	NOUN
ajis02-3201	21	8	of	of	ADP
ajis02-3201	21	9	digital	digital	ADJ
ajis02-3201	21	10	payment	payment	NOUN
ajis02-3201	21	11	modes	mode	NOUN
ajis02-3201	21	12	seem	seem	VERB
ajis02-3201	21	13	to	to	PART
ajis02-3201	21	14	confirm	confirm	VERB
ajis02-3201	21	15	this	this	DET
ajis02-3201	21	16	expectation	expectation	NOUN
ajis02-3201	21	17	.	.	PUNCT
ajis02-3201	22	1	for	for	ADP
ajis02-3201	22	2	instance	instance	NOUN
ajis02-3201	22	3	,	,	PUNCT
ajis02-3201	22	4	according	accord	VERB
ajis02-3201	22	5	to	to	ADP
ajis02-3201	22	6	a	a	DET
ajis02-3201	22	7	report	report	NOUN
ajis02-3201	22	8	in	in	ADP
ajis02-3201	22	9	the	the	DET
ajis02-3201	22	10	initial	initial	ADJ
ajis02-3201	22	11	weeks	week	NOUN
ajis02-3201	22	12	of	of	ADP
ajis02-3201	22	13	the	the	DET
ajis02-3201	22	14	pandemic	pandemic	ADJ
ajis02-3201	22	15	(	(	PUNCT
ajis02-3201	22	16	i.e.	i.e.	X
ajis02-3201	22	17	,	,	PUNCT
ajis02-3201	22	18	march	march	PROPN
ajis02-3201	22	19	2020	2020	NUM
ajis02-3201	22	20	onward	onward	ADV
ajis02-3201	22	21	)	)	PUNCT
ajis02-3201	22	22	,	,	PUNCT
ajis02-3201	22	23	42	42	NUM
ajis02-3201	22	24	%	%	NOUN
ajis02-3201	22	25	of	of	ADP
ajis02-3201	22	26	individuals	individual	NOUN
ajis02-3201	22	27	in	in	ADP
ajis02-3201	22	28	india	india	PROPN
ajis02-3201	22	29	used	use	VERB
ajis02-3201	22	30	different	different	ADJ
ajis02-3201	22	31	modes	mode	NOUN
ajis02-3201	22	32	of	of	ADP
ajis02-3201	22	33	digital	digital	ADJ
ajis02-3201	22	34	payment	payment	NOUN
ajis02-3201	22	35	solutions	solution	NOUN
ajis02-3201	22	36	(	(	PUNCT
ajis02-3201	22	37	both	both	CCONJ
ajis02-3201	22	38	nonmobile	nonmobile	ADJ
ajis02-3201	22	39	and	and	CCONJ
ajis02-3201	22	40	mobile	mobile	ADJ
ajis02-3201	22	41	)	)	PUNCT
ajis02-3201	22	42	more	more	ADJ
ajis02-3201	22	43	than	than	ADP
ajis02-3201	22	44	during	during	ADP
ajis02-3201	22	45	the	the	DET
ajis02-3201	22	46	pre	pre	ADJ
ajis02-3201	22	47	-	-	ADJ
ajis02-3201	22	48	pandemic	pandemic	ADJ
ajis02-3201	22	49	period	period	NOUN
ajis02-3201	22	50	(	(	PUNCT
ajis02-3201	22	51	et	et	NOUN
ajis02-3201	22	52	government	government	NOUN
ajis02-3201	22	53	,	,	PUNCT
ajis02-3201	22	54	2020	2020	NUM
ajis02-3201	22	55	)	)	PUNCT
ajis02-3201	22	56	.	.	PUNCT
ajis02-3201	23	1	however	however	ADV
ajis02-3201	23	2	,	,	PUNCT
ajis02-3201	23	3	a	a	DET
ajis02-3201	23	4	more	more	ADV
ajis02-3201	23	5	recent	recent	ADJ
ajis02-3201	23	6	report	report	NOUN
ajis02-3201	23	7	published	publish	VERB
ajis02-3201	23	8	in	in	ADP
ajis02-3201	23	9	july	july	PROPN
ajis02-3201	23	10	2020	2020	NUM
ajis02-3201	23	11	suggested	suggest	VERB
ajis02-3201	23	12	that	that	SCONJ
ajis02-3201	23	13	53	53	NUM
ajis02-3201	23	14	%	%	NOUN
ajis02-3201	23	15	of	of	ADP
ajis02-3201	23	16	individuals	individual	NOUN
ajis02-3201	23	17	in	in	ADP
ajis02-3201	23	18	india	india	PROPN
ajis02-3201	23	19	have	have	AUX
ajis02-3201	23	20	reported	report	VERB
ajis02-3201	23	21	no	no	DET
ajis02-3201	23	22	change	change	NOUN
ajis02-3201	23	23	in	in	ADP
ajis02-3201	23	24	their	their	PRON
ajis02-3201	23	25	use	use	NOUN
ajis02-3201	23	26	of	of	ADP
ajis02-3201	23	27	digital	digital	ADJ
ajis02-3201	23	28	payment	payment	NOUN
ajis02-3201	23	29	methods	method	NOUN
ajis02-3201	23	30	during	during	ADP
ajis02-3201	23	31	the	the	DET
ajis02-3201	23	32	postpandemic	postpandemic	ADJ
ajis02-3201	23	33	lockdown	lockdown	NOUN
ajis02-3201	23	34	period	period	NOUN
ajis02-3201	23	35	,	,	PUNCT
ajis02-3201	23	36	with	with	ADP
ajis02-3201	23	37	only	only	ADV
ajis02-3201	23	38	9	9	NUM
ajis02-3201	23	39	%	%	NOUN
ajis02-3201	23	40	reporting	report	VERB
ajis02-3201	23	41	the	the	DET
ajis02-3201	23	42	exclusive	exclusive	ADJ
ajis02-3201	23	43	use	use	NOUN
ajis02-3201	23	44	of	of	ADP
ajis02-3201	23	45	them	they	PRON
ajis02-3201	23	46	(	(	PUNCT
ajis02-3201	23	47	jaganmohan	jaganmohan	ADJ
ajis02-3201	23	48	,	,	PUNCT
ajis02-3201	23	49	2020	2020	NUM
ajis02-3201	23	50	)	)	PUNCT
ajis02-3201	23	51	.	.	PUNCT
ajis02-3201	24	1	these	these	DET
ajis02-3201	24	2	reports	report	NOUN
ajis02-3201	24	3	have	have	AUX
ajis02-3201	24	4	highlighted	highlight	VERB
ajis02-3201	24	5	that	that	SCONJ
ajis02-3201	24	6	the	the	DET
ajis02-3201	24	7	use	use	NOUN
ajis02-3201	24	8	of	of	ADP
ajis02-3201	24	9	digital	digital	ADJ
ajis02-3201	24	10	payment	payment	NOUN
ajis02-3201	24	11	methods	method	NOUN
ajis02-3201	24	12	may	may	AUX
ajis02-3201	24	13	not	not	PART
ajis02-3201	24	14	have	have	AUX
ajis02-3201	24	15	increased	increase	VERB
ajis02-3201	24	16	as	as	ADV
ajis02-3201	24	17	much	much	ADV
ajis02-3201	24	18	as	as	SCONJ
ajis02-3201	24	19	anticipated	anticipate	VERB
ajis02-3201	24	20	during	during	ADP
ajis02-3201	24	21	the	the	DET
ajis02-3201	24	22	pandemic	pandemic	NOUN
ajis02-3201	24	23	.	.	PUNCT
ajis02-3201	25	1	a	a	DET
ajis02-3201	25	2	more	more	ADV
ajis02-3201	25	3	worrying	worrying	ADJ
ajis02-3201	25	4	thought	thought	NOUN
ajis02-3201	25	5	is	be	AUX
ajis02-3201	25	6	whether	whether	SCONJ
ajis02-3201	25	7	the	the	DET
ajis02-3201	25	8	reported	report	VERB
ajis02-3201	25	9	increase	increase	NOUN
ajis02-3201	25	10	in	in	ADP
ajis02-3201	25	11	the	the	DET
ajis02-3201	25	12	usage	usage	NOUN
ajis02-3201	25	13	of	of	ADP
ajis02-3201	25	14	digital	digital	ADJ
ajis02-3201	25	15	payment	payment	NOUN
ajis02-3201	25	16	solutions	solution	NOUN
ajis02-3201	25	17	is	be	AUX
ajis02-3201	25	18	only	only	ADV
ajis02-3201	25	19	temporary	temporary	ADJ
ajis02-3201	25	20	and	and	CCONJ
ajis02-3201	25	21	,	,	PUNCT
ajis02-3201	25	22	if	if	SCONJ
ajis02-3201	25	23	so	so	ADV
ajis02-3201	25	24	,	,	PUNCT
ajis02-3201	25	25	whether	whether	SCONJ
ajis02-3201	25	26	individuals	individual	NOUN
ajis02-3201	25	27	will	will	AUX
ajis02-3201	25	28	return	return	VERB
ajis02-3201	25	29	to	to	ADP
ajis02-3201	25	30	their	their	PRON
ajis02-3201	25	31	pre	pre	ADJ
ajis02-3201	25	32	-	-	ADJ
ajis02-3201	25	33	pandemic	pandemic	ADJ
ajis02-3201	25	34	transaction	transaction	NOUN
ajis02-3201	25	35	behavior	behavior	NOUN
ajis02-3201	25	36	,	,	PUNCT
ajis02-3201	25	37	i.e.	i.e.	X
ajis02-3201	25	38	,	,	PUNCT
ajis02-3201	25	39	revert	revert	VERB
ajis02-3201	25	40	to	to	ADP
ajis02-3201	25	41	using	use	VERB
ajis02-3201	25	42	currency	currency	NOUN
ajis02-3201	25	43	notes	note	NOUN
ajis02-3201	25	44	for	for	ADP
ajis02-3201	25	45	transactions	transaction	NOUN
ajis02-3201	25	46	,	,	PUNCT
ajis02-3201	25	47	after	after	SCONJ
ajis02-3201	25	48	the	the	DET
ajis02-3201	25	49	pandemic	pandemic	ADJ
ajis02-3201	25	50	ends	end	VERB
ajis02-3201	25	51	.	.	PUNCT
ajis02-3201	26	1	this	this	PRON
ajis02-3201	26	2	is	be	AUX
ajis02-3201	26	3	an	an	DET
ajis02-3201	26	4	important	important	ADJ
ajis02-3201	26	5	manifestation	manifestation	NOUN
ajis02-3201	26	6	that	that	SCONJ
ajis02-3201	26	7	service	service	NOUN
ajis02-3201	26	8	providers	provider	NOUN
ajis02-3201	26	9	facilitating	facilitate	VERB
ajis02-3201	26	10	various	various	ADJ
ajis02-3201	26	11	digital	digital	ADJ
ajis02-3201	26	12	modes	mode	NOUN
ajis02-3201	26	13	of	of	ADP
ajis02-3201	26	14	payments	payment	NOUN
ajis02-3201	26	15	,	,	PUNCT
ajis02-3201	26	16	as	as	ADV
ajis02-3201	26	17	well	well	ADV
ajis02-3201	26	18	as	as	ADP
ajis02-3201	26	19	governments	government	NOUN
ajis02-3201	26	20	and	and	CCONJ
ajis02-3201	26	21	policymakers	policymaker	NOUN
ajis02-3201	26	22	,	,	PUNCT
ajis02-3201	26	23	want	want	VERB
ajis02-3201	26	24	to	to	PART
ajis02-3201	26	25	understand	understand	VERB
ajis02-3201	26	26	.	.	PUNCT
ajis02-3201	27	1	a	a	DET
ajis02-3201	27	2	comprehensive	comprehensive	ADJ
ajis02-3201	27	3	review	review	NOUN
ajis02-3201	27	4	of	of	ADP
ajis02-3201	27	5	the	the	DET
ajis02-3201	27	6	extant	extant	ADJ
ajis02-3201	27	7	literature	literature	NOUN
ajis02-3201	27	8	has	have	AUX
ajis02-3201	27	9	revealed	reveal	VERB
ajis02-3201	27	10	that	that	SCONJ
ajis02-3201	27	11	even	even	ADV
ajis02-3201	27	12	before	before	ADP
ajis02-3201	27	13	the	the	DET
ajis02-3201	27	14	onset	onset	NOUN
ajis02-3201	27	15	of	of	ADP
ajis02-3201	27	16	the	the	DET
ajis02-3201	27	17	covid-19	covid-19	PROPN
ajis02-3201	27	18	pandemic	pandemic	NOUN
ajis02-3201	27	19	,	,	PUNCT
ajis02-3201	27	20	the	the	DET
ajis02-3201	27	21	diffusion	diffusion	NOUN
ajis02-3201	27	22	of	of	ADP
ajis02-3201	27	23	digital	digital	ADJ
ajis02-3201	27	24	payment	payment	NOUN
ajis02-3201	27	25	systems	system	NOUN
ajis02-3201	27	26	,	,	PUNCT
ajis02-3201	27	27	particularly	particularly	ADV
ajis02-3201	27	28	m	m	NOUN
ajis02-3201	27	29	-	-	NOUN
ajis02-3201	27	30	payments	payment	NOUN
ajis02-3201	27	31	,	,	PUNCT
ajis02-3201	27	32	was	be	AUX
ajis02-3201	27	33	a	a	DET
ajis02-3201	27	34	global	global	ADJ
ajis02-3201	27	35	concern	concern	NOUN
ajis02-3201	27	36	in	in	ADP
ajis02-3201	27	37	both	both	CCONJ
ajis02-3201	27	38	advanced	advanced	ADJ
ajis02-3201	27	39	and	and	CCONJ
ajis02-3201	27	40	emerging	emerge	VERB
ajis02-3201	27	41	economies	economy	NOUN
ajis02-3201	27	42	,	,	PUNCT
ajis02-3201	27	43	despite	despite	SCONJ
ajis02-3201	27	44	the	the	DET
ajis02-3201	27	45	ease	ease	NOUN
ajis02-3201	27	46	of	of	ADP
ajis02-3201	27	47	interface	interface	NOUN
ajis02-3201	27	48	they	they	PRON
ajis02-3201	27	49	offer	offer	VERB
ajis02-3201	27	50	through	through	ADP
ajis02-3201	27	51	smartphones	smartphone	NOUN
ajis02-3201	27	52	.	.	PUNCT
ajis02-3201	28	1	for	for	ADP
ajis02-3201	28	2	example	example	NOUN
ajis02-3201	28	3	,	,	PUNCT
ajis02-3201	28	4	even	even	ADV
ajis02-3201	28	5	in	in	ADP
ajis02-3201	28	6	an	an	DET
ajis02-3201	28	7	advanced	advanced	ADJ
ajis02-3201	28	8	economy	economy	NOUN
ajis02-3201	28	9	such	such	ADJ
ajis02-3201	28	10	as	as	ADP
ajis02-3201	28	11	japan	japan	PROPN
ajis02-3201	28	12	,	,	PUNCT
ajis02-3201	28	13	73	73	NUM
ajis02-3201	28	14	%	%	NOUN
ajis02-3201	28	15	consumers	consumer	NOUN
ajis02-3201	28	16	had	have	AUX
ajis02-3201	28	17	used	use	VERB
ajis02-3201	28	18	currency	currency	NOUN
ajis02-3201	28	19	notes	note	NOUN
ajis02-3201	28	20	for	for	ADP
ajis02-3201	28	21	daily	daily	ADJ
ajis02-3201	28	22	transactions	transaction	NOUN
ajis02-3201	28	23	in	in	ADP
ajis02-3201	28	24	2019	2019	NUM
ajis02-3201	28	25	(	(	PUNCT
ajis02-3201	28	26	fujiki	fujiki	PROPN
ajis02-3201	28	27	,	,	PUNCT
ajis02-3201	28	28	2020	2020	NUM
ajis02-3201	28	29	)	)	PUNCT
ajis02-3201	28	30	.	.	PUNCT
ajis02-3201	29	1	in	in	ADP
ajis02-3201	29	2	fact	fact	NOUN
ajis02-3201	29	3	,	,	PUNCT
ajis02-3201	29	4	with	with	ADP
ajis02-3201	29	5	the	the	DET
ajis02-3201	29	6	exception	exception	NOUN
ajis02-3201	29	7	of	of	ADP
ajis02-3201	29	8	china	china	PROPN
ajis02-3201	29	9	,	,	PUNCT
ajis02-3201	29	10	where	where	SCONJ
ajis02-3201	29	11	the	the	DET
ajis02-3201	29	12	use	use	NOUN
ajis02-3201	29	13	of	of	ADP
ajis02-3201	29	14	m	m	NOUN
ajis02-3201	29	15	-	-	NOUN
ajis02-3201	29	16	payments	payment	NOUN
ajis02-3201	29	17	reached	reach	VERB
ajis02-3201	29	18	86	86	NUM
ajis02-3201	29	19	%	%	NOUN
ajis02-3201	29	20	in	in	ADP
ajis02-3201	29	21	2019	2019	NUM
ajis02-3201	29	22	(	(	PUNCT
ajis02-3201	29	23	yin	yin	PROPN
ajis02-3201	29	24	,	,	PUNCT
ajis02-3201	29	25	gong	gong	NOUN
ajis02-3201	29	26	,	,	PUNCT
ajis02-3201	29	27	guo	guo	PROPN
ajis02-3201	29	28	,	,	PUNCT
ajis02-3201	29	29	&	&	CCONJ
ajis02-3201	29	30	wu	wu	PROPN
ajis02-3201	29	31	,	,	PUNCT
ajis02-3201	29	32	2019	2019	NUM
ajis02-3201	29	33	)	)	PUNCT
ajis02-3201	29	34	,	,	PUNCT
ajis02-3201	29	35	other	other	ADJ
ajis02-3201	29	36	countries	country	NOUN
ajis02-3201	29	37	have	have	AUX
ajis02-3201	29	38	continued	continue	VERB
ajis02-3201	29	39	to	to	PART
ajis02-3201	29	40	see	see	VERB
ajis02-3201	29	41	a	a	DET
ajis02-3201	29	42	lower	low	ADJ
ajis02-3201	29	43	utilization	utilization	NOUN
ajis02-3201	29	44	rate	rate	NOUN
ajis02-3201	29	45	.	.	PUNCT
ajis02-3201	30	1	the	the	DET
ajis02-3201	30	2	low	low	ADJ
ajis02-3201	30	3	diffusion	diffusion	NOUN
ajis02-3201	30	4	or	or	CCONJ
ajis02-3201	30	5	non	non	NOUN
ajis02-3201	30	6	-	-	NOUN
ajis02-3201	30	7	adoption	adoption	NOUN
ajis02-3201	30	8	of	of	ADP
ajis02-3201	30	9	m	m	NOUN
ajis02-3201	30	10	-	-	PUNCT
ajis02-3201	30	11	payment	payment	NOUN
ajis02-3201	30	12	usage	usage	NOUN
ajis02-3201	30	13	has	have	AUX
ajis02-3201	30	14	attracted	attract	VERB
ajis02-3201	30	15	the	the	DET
ajis02-3201	30	16	attention	attention	NOUN
ajis02-3201	30	17	of	of	ADP
ajis02-3201	30	18	researchers	researcher	NOUN
ajis02-3201	30	19	,	,	PUNCT
ajis02-3201	30	20	who	who	PRON
ajis02-3201	30	21	have	have	AUX
ajis02-3201	30	22	noted	note	VERB
ajis02-3201	30	23	the	the	DET
ajis02-3201	30	24	existence	existence	NOUN
ajis02-3201	30	25	of	of	ADP
ajis02-3201	30	26	certain	certain	ADJ
ajis02-3201	30	27	barriers	barrier	NOUN
ajis02-3201	30	28	that	that	PRON
ajis02-3201	30	29	cause	cause	VERB
ajis02-3201	30	30	individuals	individual	NOUN
ajis02-3201	30	31	to	to	PART
ajis02-3201	30	32	resist	resist	VERB
ajis02-3201	30	33	the	the	DET
ajis02-3201	30	34	use	use	NOUN
ajis02-3201	30	35	of	of	ADP
ajis02-3201	30	36	m	m	NOUN
ajis02-3201	30	37	-	-	NOUN
ajis02-3201	30	38	payments	payment	NOUN
ajis02-3201	30	39	(	(	PUNCT
ajis02-3201	30	40	e.g.	e.g.	ADV
ajis02-3201	30	41	,	,	PUNCT
ajis02-3201	30	42	australasian	australasian	ADJ
ajis02-3201	30	43	journal	journal	NOUN
ajis02-3201	30	44	of	of	ADP
ajis02-3201	30	45	information	information	NOUN
ajis02-3201	30	46	systems	system	NOUN
ajis02-3201	30	47	talwar	talwar	PROPN
ajis02-3201	30	48	et	et	PROPN
ajis02-3201	30	49	al	al	PROPN
ajis02-3201	30	50	.	.	PROPN
ajis02-3201	30	51	2021	2021	NUM
ajis02-3201	30	52	,	,	PUNCT
ajis02-3201	30	53	vol	vol	NOUN
ajis02-3201	30	54	25	25	NUM
ajis02-3201	30	55	,	,	PUNCT
ajis02-3201	30	56	research	research	NOUN
ajis02-3201	30	57	on	on	ADP
ajis02-3201	30	58	evaluation	evaluation	NOUN
ajis02-3201	30	59	a	a	DET
ajis02-3201	30	60	study	study	NOUN
ajis02-3201	30	61	of	of	ADP
ajis02-3201	30	62	mobile	mobile	ADJ
ajis02-3201	30	63	payment	payment	NOUN
ajis02-3201	30	64	innovations	innovation	NOUN
ajis02-3201	30	65	of	of	ADP
ajis02-3201	30	66	mobile	mobile	ADJ
ajis02-3201	30	67	applications	application	NOUN
ajis02-3201	30	68	3	3	NUM
ajis02-3201	30	69	kaur	kaur	NOUN
ajis02-3201	30	70	,	,	PUNCT
ajis02-3201	30	71	dhir	dhir	ADJ
ajis02-3201	30	72	,	,	PUNCT
ajis02-3201	30	73	singh	singh	PROPN
ajis02-3201	30	74	,	,	PUNCT
ajis02-3201	30	75	sahu	sahu	PROPN
ajis02-3201	30	76	,	,	PUNCT
ajis02-3201	30	77	&	&	CCONJ
ajis02-3201	30	78	almotairi	almotairi	PROPN
ajis02-3201	30	79	,	,	PUNCT
ajis02-3201	30	80	2020a	2020a	NUM
ajis02-3201	30	81	;	;	PUNCT
ajis02-3201	30	82	leong	leong	PROPN
ajis02-3201	30	83	,	,	PUNCT
ajis02-3201	30	84	hew	hew	VERB
ajis02-3201	30	85	,	,	PUNCT
ajis02-3201	30	86	ooi	ooi	PROPN
ajis02-3201	30	87	,	,	PUNCT
ajis02-3201	30	88	&	&	CCONJ
ajis02-3201	30	89	wei	wei	PROPN
ajis02-3201	30	90	,	,	PUNCT
ajis02-3201	30	91	2020	2020	NUM
ajis02-3201	30	92	;	;	PUNCT
ajis02-3201	30	93	laukkanen	laukkanen	NUM
ajis02-3201	30	94	,	,	PUNCT
ajis02-3201	30	95	2016	2016	NUM
ajis02-3201	30	96	;	;	PUNCT
ajis02-3201	30	97	gupta	gupta	PROPN
ajis02-3201	30	98	&	&	CCONJ
ajis02-3201	30	99	arora	arora	PROPN
ajis02-3201	30	100	,	,	PUNCT
ajis02-3201	30	101	2017	2017	NUM
ajis02-3201	30	102	)	)	PUNCT
ajis02-3201	30	103	,	,	PUNCT
ajis02-3201	30	104	despite	despite	SCONJ
ajis02-3201	30	105	the	the	DET
ajis02-3201	30	106	benefits	benefit	NOUN
ajis02-3201	30	107	they	they	PRON
ajis02-3201	30	108	offer	offer	VERB
ajis02-3201	30	109	.	.	PUNCT
ajis02-3201	31	1	in	in	ADP
ajis02-3201	31	2	this	this	DET
ajis02-3201	31	3	regard	regard	NOUN
ajis02-3201	31	4	,	,	PUNCT
ajis02-3201	31	5	a	a	DET
ajis02-3201	31	6	recent	recent	ADJ
ajis02-3201	31	7	study	study	NOUN
ajis02-3201	31	8	also	also	ADV
ajis02-3201	31	9	examined	examine	VERB
ajis02-3201	31	10	the	the	DET
ajis02-3201	31	11	existence	existence	NOUN
ajis02-3201	31	12	of	of	ADP
ajis02-3201	31	13	barriers	barrier	NOUN
ajis02-3201	31	14	toward	toward	ADP
ajis02-3201	31	15	the	the	DET
ajis02-3201	31	16	use	use	NOUN
ajis02-3201	31	17	of	of	ADP
ajis02-3201	31	18	m	m	NOUN
ajis02-3201	31	19	-	-	NOUN
ajis02-3201	31	20	payments	payment	NOUN
ajis02-3201	31	21	for	for	ADP
ajis02-3201	31	22	booking	book	VERB
ajis02-3201	31	23	travel	travel	NOUN
ajis02-3201	31	24	during	during	ADP
ajis02-3201	31	25	the	the	DET
ajis02-3201	31	26	covid-19	covid-19	PROPN
ajis02-3201	31	27	pandemic	pandemic	ADJ
ajis02-3201	31	28	(	(	PUNCT
ajis02-3201	31	29	khanra	khanra	NOUN
ajis02-3201	31	30	,	,	PUNCT
ajis02-3201	31	31	dhir	dhir	ADJ
ajis02-3201	31	32	,	,	PUNCT
ajis02-3201	31	33	kaur	kaur	PROPN
ajis02-3201	31	34	,	,	PUNCT
ajis02-3201	31	35	&	&	CCONJ
ajis02-3201	31	36	joseph	joseph	PROPN
ajis02-3201	31	37	,	,	PUNCT
ajis02-3201	31	38	2021	2021	NUM
ajis02-3201	31	39	)	)	PUNCT
ajis02-3201	31	40	.	.	PUNCT
ajis02-3201	32	1	however	however	ADV
ajis02-3201	32	2	,	,	PUNCT
ajis02-3201	32	3	the	the	DET
ajis02-3201	32	4	previous	previous	ADJ
ajis02-3201	32	5	literature	literature	NOUN
ajis02-3201	32	6	providing	provide	VERB
ajis02-3201	32	7	a	a	DET
ajis02-3201	32	8	resistance	resistance	NOUN
ajis02-3201	32	9	perspective	perspective	NOUN
ajis02-3201	32	10	is	be	AUX
ajis02-3201	32	11	limited	limit	VERB
ajis02-3201	32	12	,	,	PUNCT
ajis02-3201	32	13	with	with	ADP
ajis02-3201	32	14	most	most	ADJ
ajis02-3201	32	15	of	of	ADP
ajis02-3201	32	16	the	the	DET
ajis02-3201	32	17	past	past	ADJ
ajis02-3201	32	18	studies	study	NOUN
ajis02-3201	32	19	on	on	ADP
ajis02-3201	32	20	mpayments	mpayment	NOUN
ajis02-3201	32	21	offering	offer	VERB
ajis02-3201	32	22	adoption	adoption	NOUN
ajis02-3201	32	23	-	-	PUNCT
ajis02-3201	32	24	related	relate	VERB
ajis02-3201	32	25	findings	finding	NOUN
ajis02-3201	32	26	(	(	PUNCT
ajis02-3201	32	27	e.g.	e.g.	ADV
ajis02-3201	32	28	,	,	PUNCT
ajis02-3201	32	29	chatterjee	chatterjee	PROPN
ajis02-3201	32	30	&	&	CCONJ
ajis02-3201	32	31	bolar	bolar	PROPN
ajis02-3201	32	32	,	,	PUNCT
ajis02-3201	32	33	2019	2019	NUM
ajis02-3201	32	34	;	;	PUNCT
ajis02-3201	32	35	kaur	kaur	PROPN
ajis02-3201	32	36	,	,	PUNCT
ajis02-3201	32	37	dhir	dhir	ADJ
ajis02-3201	32	38	,	,	PUNCT
ajis02-3201	32	39	bodhi	bodhi	PROPN
ajis02-3201	32	40	,	,	PUNCT
ajis02-3201	32	41	singh	singh	PROPN
ajis02-3201	32	42	,	,	PUNCT
ajis02-3201	32	43	&	&	CCONJ
ajis02-3201	32	44	almotairi	almotairi	PROPN
ajis02-3201	32	45	,	,	PUNCT
ajis02-3201	32	46	2020b	2020b	NUM
ajis02-3201	32	47	;	;	PUNCT
ajis02-3201	32	48	talwar	talwar	PROPN
ajis02-3201	32	49	,	,	PUNCT
ajis02-3201	32	50	dhir	dhir	PROPN
ajis02-3201	32	51	,	,	PUNCT
ajis02-3201	32	52	khalil	khalil	PROPN
ajis02-3201	32	53	,	,	PUNCT
ajis02-3201	32	54	mohan	mohan	PROPN
ajis02-3201	32	55	,	,	PUNCT
ajis02-3201	32	56	&	&	CCONJ
ajis02-3201	32	57	islam	islam	PROPN
ajis02-3201	32	58	,	,	PUNCT
ajis02-3201	32	59	2020c	2020c	NUM
ajis02-3201	32	60	;	;	PUNCT
ajis02-3201	32	61	gao	gao	PROPN
ajis02-3201	32	62	&	&	CCONJ
ajis02-3201	32	63	waechter	waechter	PROPN
ajis02-3201	32	64	,	,	PUNCT
ajis02-3201	32	65	2017	2017	NUM
ajis02-3201	32	66	;	;	PUNCT
ajis02-3201	32	67	silic	silic	NOUN
ajis02-3201	32	68	&	&	CCONJ
ajis02-3201	32	69	ruf	ruf	NOUN
ajis02-3201	32	70	,	,	PUNCT
ajis02-3201	32	71	2018	2018	NUM
ajis02-3201	32	72	)	)	PUNCT
ajis02-3201	32	73	.	.	PUNCT
ajis02-3201	33	1	indeed	indeed	ADV
ajis02-3201	33	2	,	,	PUNCT
ajis02-3201	33	3	consumer	consumer	NOUN
ajis02-3201	33	4	resistance	resistance	NOUN
ajis02-3201	33	5	to	to	ADP
ajis02-3201	33	6	digital	digital	ADJ
ajis02-3201	33	7	innovations	innovation	NOUN
ajis02-3201	33	8	,	,	PUNCT
ajis02-3201	33	9	in	in	ADP
ajis02-3201	33	10	general	general	ADJ
ajis02-3201	33	11	,	,	PUNCT
ajis02-3201	33	12	continues	continue	VERB
ajis02-3201	33	13	to	to	PART
ajis02-3201	33	14	be	be	AUX
ajis02-3201	33	15	less	less	ADV
ajis02-3201	33	16	examined	examine	VERB
ajis02-3201	33	17	than	than	ADP
ajis02-3201	33	18	consumer	consumer	NOUN
ajis02-3201	33	19	adoption	adoption	NOUN
ajis02-3201	33	20	behavior	behavior	NOUN
ajis02-3201	33	21	toward	toward	ADP
ajis02-3201	33	22	such	such	ADJ
ajis02-3201	33	23	innovations	innovation	NOUN
ajis02-3201	33	24	(	(	PUNCT
ajis02-3201	33	25	talwar	talwar	PROPN
ajis02-3201	33	26	et	et	PROPN
ajis02-3201	33	27	al	al	PROPN
ajis02-3201	33	28	.	.	PROPN
ajis02-3201	33	29	,	,	PUNCT
ajis02-3201	33	30	2020a	2020a	NUM
ajis02-3201	33	31	)	)	PUNCT
ajis02-3201	33	32	.	.	PUNCT
ajis02-3201	34	1	underscoring	underscore	VERB
ajis02-3201	34	2	the	the	DET
ajis02-3201	34	3	importance	importance	NOUN
ajis02-3201	34	4	of	of	ADP
ajis02-3201	34	5	the	the	DET
ajis02-3201	34	6	resistance	resistance	NOUN
ajis02-3201	34	7	perspective	perspective	NOUN
ajis02-3201	34	8	,	,	PUNCT
ajis02-3201	34	9	ram	ram	NOUN
ajis02-3201	34	10	and	and	CCONJ
ajis02-3201	34	11	sheth	sheth	PROPN
ajis02-3201	34	12	(	(	PUNCT
ajis02-3201	34	13	1989	1989	NUM
ajis02-3201	34	14	)	)	PUNCT
ajis02-3201	34	15	proposed	propose	VERB
ajis02-3201	34	16	the	the	DET
ajis02-3201	34	17	framework	framework	NOUN
ajis02-3201	34	18	of	of	ADP
ajis02-3201	34	19	innovation	innovation	NOUN
ajis02-3201	34	20	resistance	resistance	NOUN
ajis02-3201	34	21	theory	theory	NOUN
ajis02-3201	34	22	(	(	PUNCT
ajis02-3201	34	23	irt	irt	PROPN
ajis02-3201	34	24	)	)	PUNCT
ajis02-3201	34	25	,	,	PUNCT
ajis02-3201	34	26	which	which	PRON
ajis02-3201	34	27	explained	explain	VERB
ajis02-3201	34	28	the	the	DET
ajis02-3201	34	29	resistant	resistant	ADJ
ajis02-3201	34	30	behavior	behavior	NOUN
ajis02-3201	34	31	of	of	ADP
ajis02-3201	34	32	consumers	consumer	NOUN
ajis02-3201	34	33	through	through	ADP
ajis02-3201	34	34	five	five	NUM
ajis02-3201	34	35	barriers	barrier	NOUN
ajis02-3201	34	36	:	:	PUNCT
ajis02-3201	34	37	namely	namely	ADV
ajis02-3201	34	38	,	,	PUNCT
ajis02-3201	34	39	usage	usage	NOUN
ajis02-3201	34	40	,	,	PUNCT
ajis02-3201	34	41	value	value	NOUN
ajis02-3201	34	42	,	,	PUNCT
ajis02-3201	34	43	risk	risk	NOUN
ajis02-3201	34	44	,	,	PUNCT
ajis02-3201	34	45	tradition	tradition	NOUN
ajis02-3201	34	46	,	,	PUNCT
ajis02-3201	34	47	and	and	CCONJ
ajis02-3201	34	48	image	image	NOUN
ajis02-3201	34	49	.	.	PUNCT
ajis02-3201	35	1	irt	irt	PROPN
ajis02-3201	35	2	uses	use	VERB
ajis02-3201	35	3	these	these	DET
ajis02-3201	35	4	barriers	barrier	NOUN
ajis02-3201	35	5	to	to	PART
ajis02-3201	35	6	explain	explain	VERB
ajis02-3201	35	7	the	the	DET
ajis02-3201	35	8	functional	functional	ADJ
ajis02-3201	35	9	and	and	CCONJ
ajis02-3201	35	10	psychological	psychological	ADJ
ajis02-3201	35	11	factors	factor	NOUN
ajis02-3201	35	12	that	that	PRON
ajis02-3201	35	13	cause	cause	VERB
ajis02-3201	35	14	consumers	consumer	NOUN
ajis02-3201	35	15	to	to	PART
ajis02-3201	35	16	resist	resist	VERB
ajis02-3201	35	17	a	a	DET
ajis02-3201	35	18	given	give	VERB
ajis02-3201	35	19	innovation	innovation	NOUN
ajis02-3201	35	20	.	.	PUNCT
ajis02-3201	36	1	extending	extend	VERB
ajis02-3201	36	2	the	the	DET
ajis02-3201	36	3	resistance	resistance	NOUN
ajis02-3201	36	4	debate	debate	NOUN
ajis02-3201	36	5	further	far	ADV
ajis02-3201	36	6	,	,	PUNCT
ajis02-3201	36	7	scholars	scholar	NOUN
ajis02-3201	36	8	have	have	AUX
ajis02-3201	36	9	equated	equate	VERB
ajis02-3201	36	10	resistance	resistance	NOUN
ajis02-3201	36	11	with	with	ADP
ajis02-3201	36	12	non	non	ADJ
ajis02-3201	36	13	-	-	NOUN
ajis02-3201	36	14	adoption	adoption	NOUN
ajis02-3201	36	15	,	,	PUNCT
ajis02-3201	36	16	and	and	CCONJ
ajis02-3201	36	17	proposed	propose	VERB
ajis02-3201	36	18	its	its	PRON
ajis02-3201	36	19	three	three	NUM
ajis02-3201	36	20	levels	level	NOUN
ajis02-3201	36	21	,	,	PUNCT
ajis02-3201	36	22	namely	namely	ADV
ajis02-3201	36	23	,	,	PUNCT
ajis02-3201	36	24	postponement	postponement	NOUN
ajis02-3201	36	25	,	,	PUNCT
ajis02-3201	36	26	opposition	opposition	NOUN
ajis02-3201	36	27	,	,	PUNCT
ajis02-3201	36	28	and	and	CCONJ
ajis02-3201	36	29	rejection	rejection	NOUN
ajis02-3201	36	30	(	(	PUNCT
ajis02-3201	36	31	e.g.	e.g.	ADV
ajis02-3201	36	32	,	,	PUNCT
ajis02-3201	36	33	kleijnen	kleijnen	PROPN
ajis02-3201	36	34	,	,	PUNCT
ajis02-3201	36	35	lee	lee	PROPN
ajis02-3201	36	36	,	,	PUNCT
ajis02-3201	36	37	&	&	CCONJ
ajis02-3201	36	38	wetzels	wetzels	PROPN
ajis02-3201	36	39	,	,	PUNCT
ajis02-3201	36	40	2009	2009	NUM
ajis02-3201	36	41	;	;	PUNCT
ajis02-3201	36	42	szmigin	szmigin	NOUN
ajis02-3201	36	43	&	&	CCONJ
ajis02-3201	36	44	foxall	foxall	NOUN
ajis02-3201	36	45	,	,	PUNCT
ajis02-3201	36	46	1998	1998	NUM
ajis02-3201	36	47	)	)	PUNCT
ajis02-3201	36	48	.	.	PUNCT
ajis02-3201	37	1	such	such	ADJ
ajis02-3201	37	2	disaggregation	disaggregation	NOUN
ajis02-3201	37	3	of	of	ADP
ajis02-3201	37	4	resistance	resistance	NOUN
ajis02-3201	37	5	offers	offer	VERB
ajis02-3201	37	6	deeper	deep	ADJ
ajis02-3201	37	7	insights	insight	NOUN
ajis02-3201	37	8	into	into	ADP
ajis02-3201	37	9	the	the	DET
ajis02-3201	37	10	process	process	NOUN
ajis02-3201	37	11	of	of	ADP
ajis02-3201	37	12	consumer	consumer	NOUN
ajis02-3201	37	13	decision	decision	NOUN
ajis02-3201	37	14	-	-	PUNCT
ajis02-3201	37	15	making	making	NOUN
ajis02-3201	37	16	when	when	SCONJ
ajis02-3201	37	17	resisting	resist	VERB
ajis02-3201	37	18	the	the	DET
ajis02-3201	37	19	adoption	adoption	NOUN
ajis02-3201	37	20	of	of	ADP
ajis02-3201	37	21	innovations	innovation	NOUN
ajis02-3201	37	22	.	.	PUNCT
ajis02-3201	38	1	despite	despite	SCONJ
ajis02-3201	38	2	the	the	DET
ajis02-3201	38	3	seminal	seminal	ADJ
ajis02-3201	38	4	work	work	NOUN
ajis02-3201	38	5	to	to	PART
ajis02-3201	38	6	support	support	VERB
ajis02-3201	38	7	an	an	DET
ajis02-3201	38	8	understanding	understanding	NOUN
ajis02-3201	38	9	of	of	ADP
ajis02-3201	38	10	consumers	consumer	NOUN
ajis02-3201	38	11	'	'	PART
ajis02-3201	38	12	resistance	resistance	NOUN
ajis02-3201	38	13	/	/	SYM
ajis02-3201	38	14	non	non	ADJ
ajis02-3201	38	15	-	-	ADJ
ajis02-3201	38	16	adoption	adoption	ADJ
ajis02-3201	38	17	behavior	behavior	NOUN
ajis02-3201	38	18	toward	toward	ADP
ajis02-3201	38	19	the	the	DET
ajis02-3201	38	20	products	product	NOUN
ajis02-3201	38	21	and	and	CCONJ
ajis02-3201	38	22	services	service	NOUN
ajis02-3201	38	23	offered	offer	VERB
ajis02-3201	38	24	to	to	ADP
ajis02-3201	38	25	them	they	PRON
ajis02-3201	38	26	,	,	PUNCT
ajis02-3201	38	27	consumer	consumer	NOUN
ajis02-3201	38	28	resistance	resistance	NOUN
ajis02-3201	38	29	continues	continue	VERB
ajis02-3201	38	30	to	to	PART
ajis02-3201	38	31	be	be	AUX
ajis02-3201	38	32	an	an	DET
ajis02-3201	38	33	under	under	ADV
ajis02-3201	38	34	-	-	PUNCT
ajis02-3201	38	35	explored	explore	VERB
ajis02-3201	38	36	phenomenon	phenomenon	NOUN
ajis02-3201	38	37	at	at	ADP
ajis02-3201	38	38	the	the	DET
ajis02-3201	38	39	aggregate	aggregate	ADJ
ajis02-3201	38	40	level	level	NOUN
ajis02-3201	38	41	.	.	PUNCT
ajis02-3201	39	1	even	even	ADV
ajis02-3201	39	2	fewer	few	ADJ
ajis02-3201	39	3	studies	study	NOUN
ajis02-3201	39	4	have	have	AUX
ajis02-3201	39	5	examined	examine	VERB
ajis02-3201	39	6	the	the	DET
ajis02-3201	39	7	antecedents	antecedent	NOUN
ajis02-3201	39	8	of	of	ADP
ajis02-3201	39	9	resistance	resistance	NOUN
ajis02-3201	39	10	or	or	CCONJ
ajis02-3201	39	11	non	non	ADJ
ajis02-3201	39	12	-	-	NOUN
ajis02-3201	39	13	adoption	adoption	NOUN
ajis02-3201	39	14	by	by	ADP
ajis02-3201	39	15	disaggregating	disaggregate	VERB
ajis02-3201	39	16	them	they	PRON
ajis02-3201	39	17	into	into	ADP
ajis02-3201	39	18	the	the	DET
ajis02-3201	39	19	three	three	NUM
ajis02-3201	39	20	levels	level	NOUN
ajis02-3201	39	21	of	of	ADP
ajis02-3201	39	22	postponement	postponement	NOUN
ajis02-3201	39	23	,	,	PUNCT
ajis02-3201	39	24	opposition	opposition	NOUN
ajis02-3201	39	25	,	,	PUNCT
ajis02-3201	39	26	and	and	CCONJ
ajis02-3201	39	27	rejection	rejection	NOUN
ajis02-3201	39	28	,	,	PUNCT
ajis02-3201	39	29	despite	despite	SCONJ
ajis02-3201	39	30	scholars	scholar	NOUN
ajis02-3201	39	31	'	'	PART
ajis02-3201	39	32	initial	initial	ADJ
ajis02-3201	39	33	interest	interest	NOUN
ajis02-3201	39	34	in	in	ADP
ajis02-3201	39	35	examining	examine	VERB
ajis02-3201	39	36	resistance	resistance	NOUN
ajis02-3201	39	37	to	to	ADP
ajis02-3201	39	38	mobile	mobile	ADJ
ajis02-3201	39	39	and	and	CCONJ
ajis02-3201	39	40	internet	internet	NOUN
ajis02-3201	39	41	banking	banking	NOUN
ajis02-3201	39	42	(	(	PUNCT
ajis02-3201	39	43	elbadrawy	elbadrawy	PROPN
ajis02-3201	39	44	&	&	CCONJ
ajis02-3201	39	45	abdel	abdel	PROPN
ajis02-3201	39	46	aziz	aziz	PROPN
ajis02-3201	39	47	,	,	PUNCT
ajis02-3201	39	48	2011	2011	NUM
ajis02-3201	39	49	;	;	PUNCT
ajis02-3201	39	50	laukkanen	laukkanen	NUM
ajis02-3201	39	51	,	,	PUNCT
ajis02-3201	39	52	2016	2016	NUM
ajis02-3201	39	53	;	;	PUNCT
ajis02-3201	39	54	laukkanen	laukkanen	NUM
ajis02-3201	39	55	,	,	PUNCT
ajis02-3201	39	56	sinkkonen	sinkkonen	PROPN
ajis02-3201	39	57	,	,	PUNCT
ajis02-3201	39	58	&	&	CCONJ
ajis02-3201	39	59	laukkanen	laukkanen	PROPN
ajis02-3201	39	60	,	,	PUNCT
ajis02-3201	39	61	2008	2008	NUM
ajis02-3201	39	62	)	)	PUNCT
ajis02-3201	39	63	.	.	PUNCT
ajis02-3201	40	1	recent	recent	ADJ
ajis02-3201	40	2	studies	study	NOUN
ajis02-3201	40	3	have	have	AUX
ajis02-3201	40	4	also	also	ADV
ajis02-3201	40	5	noted	note	VERB
ajis02-3201	40	6	the	the	DET
ajis02-3201	40	7	lack	lack	NOUN
ajis02-3201	40	8	of	of	ADP
ajis02-3201	40	9	empirical	empirical	ADJ
ajis02-3201	40	10	evidence	evidence	NOUN
ajis02-3201	40	11	to	to	PART
ajis02-3201	40	12	explicate	explicate	VERB
ajis02-3201	40	13	how	how	SCONJ
ajis02-3201	40	14	different	different	ADJ
ajis02-3201	40	15	barriers	barrier	NOUN
ajis02-3201	40	16	affect	affect	VERB
ajis02-3201	40	17	the	the	DET
ajis02-3201	40	18	three	three	NUM
ajis02-3201	40	19	levels	level	NOUN
ajis02-3201	40	20	of	of	ADP
ajis02-3201	40	21	resistance	resistance	NOUN
ajis02-3201	40	22	behaviors	behavior	NOUN
ajis02-3201	40	23	(	(	PUNCT
ajis02-3201	40	24	chen	chen	PROPN
ajis02-3201	40	25	,	,	PUNCT
ajis02-3201	40	26	lu	lu	PROPN
ajis02-3201	40	27	,	,	PUNCT
ajis02-3201	40	28	gong	gong	NOUN
ajis02-3201	40	29	,	,	PUNCT
ajis02-3201	40	30	&	&	CCONJ
ajis02-3201	40	31	tang	tang	PROPN
ajis02-3201	40	32	,	,	PUNCT
ajis02-3201	40	33	2019	2019	NUM
ajis02-3201	40	34	;	;	PUNCT
ajis02-3201	40	35	talwar	talwar	PROPN
ajis02-3201	40	36	et	et	PROPN
ajis02-3201	40	37	al	al	PROPN
ajis02-3201	40	38	.	.	PROPN
ajis02-3201	40	39	,	,	PUNCT
ajis02-3201	40	40	2020a	2020a	NUM
ajis02-3201	40	41	)	)	PUNCT
ajis02-3201	40	42	.	.	PUNCT
ajis02-3201	41	1	such	such	DET
ajis02-3201	41	2	a	a	DET
ajis02-3201	41	3	lack	lack	NOUN
ajis02-3201	41	4	of	of	ADP
ajis02-3201	41	5	findings	finding	NOUN
ajis02-3201	41	6	,	,	PUNCT
ajis02-3201	41	7	especially	especially	ADV
ajis02-3201	41	8	in	in	ADP
ajis02-3201	41	9	the	the	DET
ajis02-3201	41	10	context	context	NOUN
ajis02-3201	41	11	of	of	ADP
ajis02-3201	41	12	m	m	NOUN
ajis02-3201	41	13	-	-	PUNCT
ajis02-3201	41	14	payment	payment	NOUN
ajis02-3201	41	15	non	non	NOUN
ajis02-3201	41	16	-	-	NOUN
ajis02-3201	41	17	adoption	adoption	NOUN
ajis02-3201	41	18	,	,	PUNCT
ajis02-3201	41	19	represents	represent	VERB
ajis02-3201	41	20	a	a	DET
ajis02-3201	41	21	research	research	NOUN
ajis02-3201	41	22	gap	gap	NOUN
ajis02-3201	41	23	that	that	PRON
ajis02-3201	41	24	needs	need	VERB
ajis02-3201	41	25	to	to	PART
ajis02-3201	41	26	be	be	AUX
ajis02-3201	41	27	addressed	address	VERB
ajis02-3201	41	28	,	,	PUNCT
ajis02-3201	41	29	particularly	particularly	ADV
ajis02-3201	41	30	as	as	SCONJ
ajis02-3201	41	31	scholars	scholar	NOUN
ajis02-3201	41	32	have	have	AUX
ajis02-3201	41	33	found	find	VERB
ajis02-3201	41	34	that	that	SCONJ
ajis02-3201	41	35	the	the	DET
ajis02-3201	41	36	enablers	enabler	NOUN
ajis02-3201	41	37	of	of	ADP
ajis02-3201	41	38	adoption	adoption	NOUN
ajis02-3201	41	39	are	be	AUX
ajis02-3201	41	40	not	not	PART
ajis02-3201	41	41	very	very	ADV
ajis02-3201	41	42	useful	useful	ADJ
ajis02-3201	41	43	in	in	ADP
ajis02-3201	41	44	explaining	explain	VERB
ajis02-3201	41	45	resistance	resistance	NOUN
ajis02-3201	41	46	or	or	CCONJ
ajis02-3201	41	47	non	non	ADJ
ajis02-3201	41	48	-	-	ADJ
ajis02-3201	41	49	adoption	adoption	ADJ
ajis02-3201	41	50	behavior	behavior	NOUN
ajis02-3201	41	51	(	(	PUNCT
ajis02-3201	41	52	claudy	claudy	PROPN
ajis02-3201	41	53	,	,	PUNCT
ajis02-3201	41	54	garcia	garcia	PROPN
ajis02-3201	41	55	,	,	PUNCT
ajis02-3201	41	56	&	&	CCONJ
ajis02-3201	41	57	o'driscoll	o'driscoll	PROPN
ajis02-3201	41	58	,	,	PUNCT
ajis02-3201	41	59	2015	2015	NUM
ajis02-3201	41	60	;	;	PUNCT
ajis02-3201	41	61	talwar	talwar	PROPN
ajis02-3201	41	62	,	,	PUNCT
ajis02-3201	41	63	dhir	dhir	ADJ
ajis02-3201	41	64	,	,	PUNCT
ajis02-3201	41	65	kaur	kaur	PROPN
ajis02-3201	41	66	,	,	PUNCT
ajis02-3201	41	67	&	&	CCONJ
ajis02-3201	41	68	mäntymäki	mäntymäki	PROPN
ajis02-3201	41	69	,	,	PUNCT
ajis02-3201	41	70	2020b	2020b	NUM
ajis02-3201	41	71	)	)	PUNCT
ajis02-3201	41	72	.	.	PUNCT
ajis02-3201	42	1	we	we	PRON
ajis02-3201	42	2	argue	argue	VERB
ajis02-3201	42	3	that	that	SCONJ
ajis02-3201	42	4	the	the	DET
ajis02-3201	42	5	ongoing	ongoing	ADJ
ajis02-3201	42	6	pandemic	pandemic	NOUN
ajis02-3201	42	7	offers	offer	VERB
ajis02-3201	42	8	an	an	DET
ajis02-3201	42	9	opportunity	opportunity	NOUN
ajis02-3201	42	10	to	to	PART
ajis02-3201	42	11	examine	examine	VERB
ajis02-3201	42	12	the	the	DET
ajis02-3201	42	13	resistant	resistant	ADJ
ajis02-3201	42	14	consumer	consumer	NOUN
ajis02-3201	42	15	behavior	behavior	NOUN
ajis02-3201	42	16	toward	toward	ADP
ajis02-3201	42	17	digital	digital	ADJ
ajis02-3201	42	18	payment	payment	NOUN
ajis02-3201	42	19	methods	method	NOUN
ajis02-3201	42	20	,	,	PUNCT
ajis02-3201	42	21	in	in	ADP
ajis02-3201	42	22	general	general	ADJ
ajis02-3201	42	23	,	,	PUNCT
ajis02-3201	42	24	and	and	CCONJ
ajis02-3201	42	25	m	m	NOUN
ajis02-3201	42	26	-	-	NOUN
ajis02-3201	42	27	payments	payment	NOUN
ajis02-3201	42	28	,	,	PUNCT
ajis02-3201	42	29	in	in	ADP
ajis02-3201	42	30	particular	particular	ADJ
ajis02-3201	42	31	,	,	PUNCT
ajis02-3201	42	32	despite	despite	SCONJ
ajis02-3201	42	33	the	the	DET
ajis02-3201	42	34	contingent	contingent	NOUN
ajis02-3201	42	35	need	need	VERB
ajis02-3201	42	36	to	to	PART
ajis02-3201	42	37	use	use	VERB
ajis02-3201	42	38	them	they	PRON
ajis02-3201	42	39	as	as	ADP
ajis02-3201	42	40	an	an	DET
ajis02-3201	42	41	infection	infection	NOUN
ajis02-3201	42	42	avoidance	avoidance	NOUN
ajis02-3201	42	43	approach	approach	NOUN
ajis02-3201	42	44	.	.	PUNCT
ajis02-3201	43	1	specifically	specifically	ADV
ajis02-3201	43	2	,	,	PUNCT
ajis02-3201	43	3	we	we	PRON
ajis02-3201	43	4	posit	posit	VERB
ajis02-3201	43	5	that	that	SCONJ
ajis02-3201	43	6	the	the	DET
ajis02-3201	43	7	academic	academic	ADJ
ajis02-3201	43	8	research	research	NOUN
ajis02-3201	43	9	on	on	ADP
ajis02-3201	43	10	consumer	consumer	NOUN
ajis02-3201	43	11	resistance	resistance	NOUN
ajis02-3201	43	12	to	to	ADP
ajis02-3201	43	13	m	m	NOUN
ajis02-3201	43	14	-	-	NOUN
ajis02-3201	43	15	payments	payment	NOUN
ajis02-3201	43	16	,	,	PUNCT
ajis02-3201	43	17	especially	especially	ADV
ajis02-3201	43	18	in	in	ADP
ajis02-3201	43	19	the	the	DET
ajis02-3201	43	20	context	context	NOUN
ajis02-3201	43	21	of	of	ADP
ajis02-3201	43	22	a	a	DET
ajis02-3201	43	23	pandemic	pandemic	ADJ
ajis02-3201	43	24	,	,	PUNCT
ajis02-3201	43	25	needs	need	VERB
ajis02-3201	43	26	to	to	PART
ajis02-3201	43	27	be	be	AUX
ajis02-3201	43	28	deepened	deepen	VERB
ajis02-3201	43	29	in	in	ADP
ajis02-3201	43	30	terms	term	NOUN
ajis02-3201	43	31	of	of	ADP
ajis02-3201	43	32	(	(	PUNCT
ajis02-3201	43	33	a	a	PRON
ajis02-3201	43	34	)	)	PUNCT
ajis02-3201	43	35	further	further	ADJ
ajis02-3201	43	36	examination	examination	NOUN
ajis02-3201	43	37	of	of	ADP
ajis02-3201	43	38	barriers	barrier	NOUN
ajis02-3201	43	39	toward	toward	ADP
ajis02-3201	43	40	the	the	DET
ajis02-3201	43	41	use	use	NOUN
ajis02-3201	43	42	of	of	ADP
ajis02-3201	43	43	m	m	NOUN
ajis02-3201	43	44	-	-	NOUN
ajis02-3201	43	45	payments	payment	NOUN
ajis02-3201	43	46	for	for	ADP
ajis02-3201	43	47	transactions	transaction	NOUN
ajis02-3201	43	48	,	,	PUNCT
ajis02-3201	43	49	(	(	PUNCT
ajis02-3201	43	50	b	b	X
ajis02-3201	43	51	)	)	PUNCT
ajis02-3201	43	52	the	the	DET
ajis02-3201	43	53	varying	vary	VERB
ajis02-3201	43	54	levels	level	NOUN
ajis02-3201	43	55	of	of	ADP
ajis02-3201	43	56	consumer	consumer	NOUN
ajis02-3201	43	57	resistance	resistance	NOUN
ajis02-3201	43	58	to	to	ADP
ajis02-3201	43	59	m	m	NOUN
ajis02-3201	43	60	-	-	NOUN
ajis02-3201	43	61	payments	payment	NOUN
ajis02-3201	43	62	,	,	PUNCT
ajis02-3201	43	63	i.e.	i.e.	X
ajis02-3201	43	64	,	,	PUNCT
ajis02-3201	43	65	postponement	postponement	NOUN
ajis02-3201	43	66	,	,	PUNCT
ajis02-3201	43	67	opposition	opposition	NOUN
ajis02-3201	43	68	,	,	PUNCT
ajis02-3201	43	69	and	and	CCONJ
ajis02-3201	43	70	rejection	rejection	NOUN
ajis02-3201	43	71	behaviors	behavior	NOUN
ajis02-3201	43	72	,	,	PUNCT
ajis02-3201	43	73	and	and	CCONJ
ajis02-3201	43	74	(	(	PUNCT
ajis02-3201	43	75	c	c	X
ajis02-3201	43	76	)	)	PUNCT
ajis02-3201	43	77	the	the	DET
ajis02-3201	43	78	resistant	resistant	ADJ
ajis02-3201	43	79	behavior	behavior	NOUN
ajis02-3201	43	80	of	of	ADP
ajis02-3201	43	81	consumers	consumer	NOUN
ajis02-3201	43	82	toward	toward	ADP
ajis02-3201	43	83	m	m	NOUN
ajis02-3201	43	84	-	-	NOUN
ajis02-3201	43	85	payments	payment	NOUN
ajis02-3201	43	86	despite	despite	SCONJ
ajis02-3201	43	87	the	the	DET
ajis02-3201	43	88	safety	safety	NOUN
ajis02-3201	43	89	benefits	benefit	NOUN
ajis02-3201	43	90	they	they	PRON
ajis02-3201	43	91	offer	offer	VERB
ajis02-3201	43	92	in	in	ADP
ajis02-3201	43	93	the	the	DET
ajis02-3201	43	94	current	current	ADJ
ajis02-3201	43	95	pandemic	pandemic	ADJ
ajis02-3201	43	96	period	period	NOUN
ajis02-3201	43	97	.	.	PUNCT
ajis02-3201	44	1	responding	respond	VERB
ajis02-3201	44	2	to	to	ADP
ajis02-3201	44	3	this	this	DET
ajis02-3201	44	4	need	need	NOUN
ajis02-3201	44	5	,	,	PUNCT
ajis02-3201	44	6	we	we	PRON
ajis02-3201	44	7	utilized	utilize	VERB
ajis02-3201	44	8	the	the	DET
ajis02-3201	44	9	theoretical	theoretical	ADJ
ajis02-3201	44	10	framework	framework	NOUN
ajis02-3201	44	11	of	of	ADP
ajis02-3201	44	12	irt	irt	PROPN
ajis02-3201	44	13	to	to	PART
ajis02-3201	44	14	examine	examine	VERB
ajis02-3201	44	15	consumer	consumer	NOUN
ajis02-3201	44	16	resistance	resistance	NOUN
ajis02-3201	44	17	to	to	ADP
ajis02-3201	44	18	m	m	NOUN
ajis02-3201	44	19	-	-	NOUN
ajis02-3201	44	20	payments	payment	NOUN
ajis02-3201	44	21	during	during	ADP
ajis02-3201	44	22	the	the	DET
ajis02-3201	44	23	pandemic	pandemic	NOUN
ajis02-3201	44	24	through	through	ADP
ajis02-3201	44	25	the	the	DET
ajis02-3201	44	26	following	follow	VERB
ajis02-3201	44	27	research	research	NOUN
ajis02-3201	44	28	questions	question	NOUN
ajis02-3201	44	29	:	:	PUNCT
ajis02-3201	44	30	australasian	australasian	ADJ
ajis02-3201	44	31	journal	journal	NOUN
ajis02-3201	44	32	of	of	ADP
ajis02-3201	44	33	information	information	NOUN
ajis02-3201	44	34	systems	system	NOUN
ajis02-3201	44	35	talwar	talwar	PROPN
ajis02-3201	44	36	et	et	PROPN
ajis02-3201	44	37	al	al	PROPN
ajis02-3201	44	38	.	.	PROPN
ajis02-3201	44	39	2021	2021	NUM
ajis02-3201	44	40	,	,	PUNCT
ajis02-3201	44	41	vol	vol	NOUN
ajis02-3201	44	42	25	25	NUM
ajis02-3201	44	43	,	,	PUNCT
ajis02-3201	44	44	research	research	NOUN
ajis02-3201	44	45	on	on	ADP
ajis02-3201	44	46	evaluation	evaluation	NOUN
ajis02-3201	44	47	a	a	DET
ajis02-3201	44	48	study	study	NOUN
ajis02-3201	44	49	of	of	ADP
ajis02-3201	44	50	mobile	mobile	ADJ
ajis02-3201	44	51	payment	payment	NOUN
ajis02-3201	44	52	innovations	innovation	NOUN
ajis02-3201	44	53	of	of	ADP
ajis02-3201	44	54	mobile	mobile	ADJ
ajis02-3201	44	55	applications	application	NOUN
ajis02-3201	44	56	4	4	NUM
ajis02-3201	44	57	rq1	rq1	NOUN
ajis02-3201	44	58	:	:	PUNCT
ajis02-3201	44	59	do	do	VERB
ajis02-3201	44	60	usage	usage	NOUN
ajis02-3201	44	61	,	,	PUNCT
ajis02-3201	44	62	value	value	NOUN
ajis02-3201	44	63	,	,	PUNCT
ajis02-3201	44	64	risk	risk	NOUN
ajis02-3201	44	65	,	,	PUNCT
ajis02-3201	44	66	tradition	tradition	NOUN
ajis02-3201	44	67	,	,	PUNCT
ajis02-3201	44	68	and	and	CCONJ
ajis02-3201	44	69	image	image	NOUN
ajis02-3201	44	70	barriers	barrier	NOUN
ajis02-3201	44	71	toward	toward	ADP
ajis02-3201	44	72	the	the	DET
ajis02-3201	44	73	use	use	NOUN
ajis02-3201	44	74	of	of	ADP
ajis02-3201	44	75	mobile	mobile	ADJ
ajis02-3201	44	76	payments	payment	NOUN
ajis02-3201	44	77	(	(	PUNCT
ajis02-3201	44	78	m	m	NOUN
ajis02-3201	44	79	-	-	NOUN
ajis02-3201	44	80	payments	payment	NOUN
ajis02-3201	44	81	)	)	PUNCT
ajis02-3201	44	82	during	during	ADP
ajis02-3201	44	83	the	the	DET
ajis02-3201	44	84	pandemic	pandemic	ADJ
ajis02-3201	44	85	impact	impact	NOUN
ajis02-3201	44	86	varying	vary	VERB
ajis02-3201	44	87	levels	level	NOUN
ajis02-3201	44	88	of	of	ADP
ajis02-3201	44	89	resistance	resistance	NOUN
ajis02-3201	44	90	/	/	SYM
ajis02-3201	44	91	non	non	NOUN
ajis02-3201	44	92	-	-	NOUN
ajis02-3201	44	93	adoption	adoption	ADJ
ajis02-3201	44	94	,	,	PUNCT
ajis02-3201	44	95	i.e.	i.e.	X
ajis02-3201	44	96	,	,	PUNCT
ajis02-3201	44	97	postponement	postponement	NOUN
ajis02-3201	44	98	,	,	PUNCT
ajis02-3201	44	99	opposition	opposition	NOUN
ajis02-3201	44	100	,	,	PUNCT
ajis02-3201	44	101	and	and	CCONJ
ajis02-3201	44	102	rejection	rejection	NOUN
ajis02-3201	44	103	?	?	PUNCT
ajis02-3201	45	1	rq2	rq2	NOUN
ajis02-3201	45	2	:	:	PUNCT
ajis02-3201	45	3	is	be	AUX
ajis02-3201	45	4	there	there	PRON
ajis02-3201	45	5	a	a	DET
ajis02-3201	45	6	difference	difference	NOUN
ajis02-3201	45	7	between	between	ADP
ajis02-3201	45	8	the	the	DET
ajis02-3201	45	9	relative	relative	ADJ
ajis02-3201	45	10	influence	influence	NOUN
ajis02-3201	45	11	of	of	ADP
ajis02-3201	45	12	usage	usage	NOUN
ajis02-3201	45	13	,	,	PUNCT
ajis02-3201	45	14	value	value	NOUN
ajis02-3201	45	15	,	,	PUNCT
ajis02-3201	45	16	risk	risk	NOUN
ajis02-3201	45	17	,	,	PUNCT
ajis02-3201	45	18	tradition	tradition	NOUN
ajis02-3201	45	19	,	,	PUNCT
ajis02-3201	45	20	and	and	CCONJ
ajis02-3201	45	21	image	image	NOUN
ajis02-3201	45	22	barriers	barrier	NOUN
ajis02-3201	45	23	toward	toward	ADP
ajis02-3201	45	24	the	the	DET
ajis02-3201	45	25	use	use	NOUN
ajis02-3201	45	26	of	of	ADP
ajis02-3201	45	27	m	m	NOUN
ajis02-3201	45	28	-	-	NOUN
ajis02-3201	45	29	payments	payment	NOUN
ajis02-3201	45	30	during	during	ADP
ajis02-3201	45	31	the	the	DET
ajis02-3201	45	32	pandemic	pandemic	NOUN
ajis02-3201	45	33	on	on	ADP
ajis02-3201	45	34	the	the	DET
ajis02-3201	45	35	varying	vary	VERB
ajis02-3201	45	36	levels	level	NOUN
ajis02-3201	45	37	of	of	ADP
ajis02-3201	45	38	resistance	resistance	NOUN
ajis02-3201	45	39	/	/	SYM
ajis02-3201	45	40	non	non	NOUN
ajis02-3201	45	41	-	-	NOUN
ajis02-3201	45	42	adoption	adoption	ADJ
ajis02-3201	45	43	,	,	PUNCT
ajis02-3201	45	44	i.e.	i.e.	X
ajis02-3201	45	45	,	,	PUNCT
ajis02-3201	45	46	postponement	postponement	NOUN
ajis02-3201	45	47	,	,	PUNCT
ajis02-3201	45	48	opposition	opposition	NOUN
ajis02-3201	45	49	,	,	PUNCT
ajis02-3201	45	50	and	and	CCONJ
ajis02-3201	45	51	rejection	rejection	NOUN
ajis02-3201	45	52	?	?	PUNCT
ajis02-3201	46	1	to	to	PART
ajis02-3201	46	2	test	test	VERB
ajis02-3201	46	3	the	the	DET
ajis02-3201	46	4	developed	develop	VERB
ajis02-3201	46	5	research	research	NOUN
ajis02-3201	46	6	model	model	NOUN
ajis02-3201	46	7	,	,	PUNCT
ajis02-3201	46	8	we	we	PRON
ajis02-3201	46	9	collected	collect	VERB
ajis02-3201	46	10	data	datum	NOUN
ajis02-3201	46	11	from	from	ADP
ajis02-3201	46	12	406	406	NUM
ajis02-3201	46	13	non	non	NOUN
ajis02-3201	46	14	-	-	NOUN
ajis02-3201	46	15	users	user	NOUN
ajis02-3201	46	16	of	of	ADP
ajis02-3201	46	17	m	m	NOUN
ajis02-3201	46	18	-	-	PUNCT
ajis02-3201	46	19	wallets	wallet	NOUN
ajis02-3201	46	20	(	(	PUNCT
ajis02-3201	46	21	e.g.	e.g.	ADV
ajis02-3201	46	22	,	,	PUNCT
ajis02-3201	46	23	a	a	DET
ajis02-3201	46	24	form	form	NOUN
ajis02-3201	46	25	of	of	ADP
ajis02-3201	46	26	m	m	NOUN
ajis02-3201	46	27	-	-	NOUN
ajis02-3201	46	28	payments	payment	NOUN
ajis02-3201	46	29	)	)	PUNCT
ajis02-3201	46	30	during	during	ADP
ajis02-3201	46	31	the	the	DET
ajis02-3201	46	32	present	present	ADJ
ajis02-3201	46	33	pandemic	pandemic	NOUN
ajis02-3201	46	34	.	.	PUNCT
ajis02-3201	47	1	we	we	PRON
ajis02-3201	47	2	then	then	ADV
ajis02-3201	47	3	analyzed	analyze	VERB
ajis02-3201	47	4	the	the	DET
ajis02-3201	47	5	collected	collect	VERB
ajis02-3201	47	6	data	datum	NOUN
ajis02-3201	47	7	using	use	VERB
ajis02-3201	47	8	the	the	DET
ajis02-3201	47	9	artificial	artificial	ADJ
ajis02-3201	47	10	neural	neural	ADJ
ajis02-3201	47	11	network	network	NOUN
ajis02-3201	47	12	(	(	PUNCT
ajis02-3201	47	13	ann	ann	PROPN
ajis02-3201	47	14	)	)	PUNCT
ajis02-3201	47	15	method	method	NOUN
ajis02-3201	47	16	to	to	PART
ajis02-3201	47	17	uncover	uncover	VERB
ajis02-3201	47	18	the	the	DET
ajis02-3201	47	19	influential	influential	ADJ
ajis02-3201	47	20	barriers	barrier	NOUN
ajis02-3201	47	21	and	and	CCONJ
ajis02-3201	47	22	yield	yield	VERB
ajis02-3201	47	23	robust	robust	ADJ
ajis02-3201	47	24	results	result	NOUN
ajis02-3201	47	25	,	,	PUNCT
ajis02-3201	47	26	taking	take	VERB
ajis02-3201	47	27	both	both	DET
ajis02-3201	47	28	the	the	DET
ajis02-3201	47	29	linear	linear	ADJ
ajis02-3201	47	30	and	and	CCONJ
ajis02-3201	47	31	non	non	ADJ
ajis02-3201	47	32	-	-	ADJ
ajis02-3201	47	33	linear	linear	ADJ
ajis02-3201	47	34	relationships	relationship	NOUN
ajis02-3201	47	35	of	of	ADP
ajis02-3201	47	36	the	the	DET
ajis02-3201	47	37	proposed	propose	VERB
ajis02-3201	47	38	antecedents	antecedent	NOUN
ajis02-3201	47	39	with	with	ADP
ajis02-3201	47	40	the	the	DET
ajis02-3201	47	41	identified	identify	VERB
ajis02-3201	47	42	outcome	outcome	NOUN
ajis02-3201	47	43	variables	variable	NOUN
ajis02-3201	47	44	.	.	PUNCT
ajis02-3201	48	1	the	the	DET
ajis02-3201	48	2	novelty	novelty	NOUN
ajis02-3201	48	3	of	of	ADP
ajis02-3201	48	4	the	the	DET
ajis02-3201	48	5	study	study	NOUN
ajis02-3201	48	6	comes	come	VERB
ajis02-3201	48	7	from	from	ADP
ajis02-3201	48	8	the	the	DET
ajis02-3201	48	9	following	following	NOUN
ajis02-3201	48	10	:	:	PUNCT
ajis02-3201	48	11	(	(	PUNCT
ajis02-3201	48	12	a	a	X
ajis02-3201	48	13	)	)	PUNCT
ajis02-3201	48	14	it	it	PRON
ajis02-3201	48	15	is	be	AUX
ajis02-3201	48	16	the	the	DET
ajis02-3201	48	17	first	first	ADJ
ajis02-3201	48	18	empirical	empirical	ADJ
ajis02-3201	48	19	study	study	NOUN
ajis02-3201	48	20	to	to	PART
ajis02-3201	48	21	examine	examine	VERB
ajis02-3201	48	22	postponement	postponement	NOUN
ajis02-3201	48	23	,	,	PUNCT
ajis02-3201	48	24	opposition	opposition	NOUN
ajis02-3201	48	25	,	,	PUNCT
ajis02-3201	48	26	and	and	CCONJ
ajis02-3201	48	27	rejection	rejection	NOUN
ajis02-3201	48	28	toward	toward	ADP
ajis02-3201	48	29	m	m	NOUN
ajis02-3201	48	30	-	-	NOUN
ajis02-3201	48	31	wallets	wallet	NOUN
ajis02-3201	48	32	,	,	PUNCT
ajis02-3201	48	33	which	which	PRON
ajis02-3201	48	34	are	be	AUX
ajis02-3201	48	35	a	a	DET
ajis02-3201	48	36	very	very	ADV
ajis02-3201	48	37	versatile	versatile	ADJ
ajis02-3201	48	38	form	form	NOUN
ajis02-3201	48	39	of	of	ADP
ajis02-3201	48	40	m	m	NOUN
ajis02-3201	48	41	-	-	NOUN
ajis02-3201	48	42	payments	payment	NOUN
ajis02-3201	48	43	that	that	PRON
ajis02-3201	48	44	have	have	AUX
ajis02-3201	48	45	remained	remain	VERB
ajis02-3201	48	46	under	under	ADV
ajis02-3201	48	47	-	-	PUNCT
ajis02-3201	48	48	explored	explore	VERB
ajis02-3201	48	49	from	from	ADP
ajis02-3201	48	50	the	the	DET
ajis02-3201	48	51	resistance	resistance	NOUN
ajis02-3201	48	52	perspective	perspective	NOUN
ajis02-3201	48	53	;	;	PUNCT
ajis02-3201	48	54	(	(	PUNCT
ajis02-3201	48	55	b	b	X
ajis02-3201	48	56	)	)	PUNCT
ajis02-3201	48	57	it	it	PRON
ajis02-3201	48	58	is	be	AUX
ajis02-3201	48	59	one	one	NUM
ajis02-3201	48	60	of	of	ADP
ajis02-3201	48	61	the	the	DET
ajis02-3201	48	62	limited	limited	ADJ
ajis02-3201	48	63	studies	study	NOUN
ajis02-3201	48	64	to	to	PART
ajis02-3201	48	65	use	use	VERB
ajis02-3201	48	66	ann	ann	PROPN
ajis02-3201	48	67	,	,	PUNCT
ajis02-3201	48	68	rather	rather	ADV
ajis02-3201	48	69	than	than	ADP
ajis02-3201	48	70	structural	structural	ADJ
ajis02-3201	48	71	equation	equation	NOUN
ajis02-3201	48	72	modeling	modeling	NOUN
ajis02-3201	48	73	,	,	PUNCT
ajis02-3201	48	74	as	as	ADP
ajis02-3201	48	75	the	the	DET
ajis02-3201	48	76	methodological	methodological	ADJ
ajis02-3201	48	77	approach	approach	NOUN
ajis02-3201	48	78	to	to	PART
ajis02-3201	48	79	analyze	analyze	VERB
ajis02-3201	48	80	consumer	consumer	NOUN
ajis02-3201	48	81	resistance	resistance	NOUN
ajis02-3201	48	82	to	to	ADP
ajis02-3201	48	83	m	m	NOUN
ajis02-3201	48	84	-	-	NOUN
ajis02-3201	48	85	payments	payment	NOUN
ajis02-3201	48	86	;	;	PUNCT
ajis02-3201	48	87	and	and	CCONJ
ajis02-3201	48	88	(	(	PUNCT
ajis02-3201	48	89	c	c	X
ajis02-3201	48	90	)	)	PUNCT
ajis02-3201	48	91	the	the	DET
ajis02-3201	48	92	study	study	NOUN
ajis02-3201	48	93	has	have	AUX
ajis02-3201	48	94	been	be	AUX
ajis02-3201	48	95	conducted	conduct	VERB
ajis02-3201	48	96	during	during	ADP
ajis02-3201	48	97	the	the	DET
ajis02-3201	48	98	ongoing	ongoing	ADJ
ajis02-3201	48	99	covid-19	covid-19	PROPN
ajis02-3201	48	100	pandemic	pandemic	NOUN
ajis02-3201	48	101	,	,	PUNCT
ajis02-3201	48	102	thereby	thereby	ADV
ajis02-3201	48	103	providing	provide	VERB
ajis02-3201	48	104	insights	insight	NOUN
ajis02-3201	48	105	into	into	ADP
ajis02-3201	48	106	the	the	DET
ajis02-3201	48	107	payment	payment	NOUN
ajis02-3201	48	108	behavior	behavior	NOUN
ajis02-3201	48	109	of	of	ADP
ajis02-3201	48	110	consumers	consumer	NOUN
ajis02-3201	48	111	during	during	ADP
ajis02-3201	48	112	a	a	DET
ajis02-3201	48	113	global	global	ADJ
ajis02-3201	48	114	health	health	NOUN
ajis02-3201	48	115	crisis	crisis	NOUN
ajis02-3201	48	116	.	.	PUNCT
ajis02-3201	49	1	this	this	DET
ajis02-3201	49	2	area	area	NOUN
ajis02-3201	49	3	has	have	AUX
ajis02-3201	49	4	remained	remain	VERB
ajis02-3201	49	5	under	under	ADV
ajis02-3201	49	6	-	-	PUNCT
ajis02-3201	49	7	researched	research	VERB
ajis02-3201	49	8	so	so	ADV
ajis02-3201	49	9	far	far	ADV
ajis02-3201	49	10	.	.	PUNCT
ajis02-3201	50	1	the	the	DET
ajis02-3201	50	2	rest	rest	NOUN
ajis02-3201	50	3	of	of	ADP
ajis02-3201	50	4	the	the	DET
ajis02-3201	50	5	study	study	NOUN
ajis02-3201	50	6	is	be	AUX
ajis02-3201	50	7	structured	structure	VERB
ajis02-3201	50	8	as	as	SCONJ
ajis02-3201	50	9	follows	follow	VERB
ajis02-3201	50	10	:	:	PUNCT
ajis02-3201	50	11	we	we	PRON
ajis02-3201	50	12	discuss	discuss	VERB
ajis02-3201	50	13	the	the	DET
ajis02-3201	50	14	theoretical	theoretical	ADJ
ajis02-3201	50	15	background	background	NOUN
ajis02-3201	50	16	and	and	CCONJ
ajis02-3201	50	17	research	research	NOUN
ajis02-3201	50	18	model	model	NOUN
ajis02-3201	50	19	in	in	ADP
ajis02-3201	50	20	sections	section	NOUN
ajis02-3201	50	21	two	two	NUM
ajis02-3201	50	22	and	and	CCONJ
ajis02-3201	50	23	three	three	NUM
ajis02-3201	50	24	,	,	PUNCT
ajis02-3201	50	25	present	present	VERB
ajis02-3201	50	26	the	the	DET
ajis02-3201	50	27	data	datum	NOUN
ajis02-3201	50	28	and	and	CCONJ
ajis02-3201	50	29	methods	method	NOUN
ajis02-3201	50	30	in	in	ADP
ajis02-3201	50	31	section	section	NOUN
ajis02-3201	50	32	four	four	NUM
ajis02-3201	50	33	,	,	PUNCT
ajis02-3201	50	34	followed	follow	VERB
ajis02-3201	50	35	by	by	ADP
ajis02-3201	50	36	the	the	DET
ajis02-3201	50	37	results	result	NOUN
ajis02-3201	50	38	in	in	ADP
ajis02-3201	50	39	section	section	NOUN
ajis02-3201	50	40	five	five	NUM
ajis02-3201	50	41	,	,	PUNCT
ajis02-3201	50	42	the	the	DET
ajis02-3201	50	43	discussion	discussion	NOUN
ajis02-3201	50	44	in	in	ADP
ajis02-3201	50	45	section	section	NOUN
ajis02-3201	50	46	six	six	NUM
ajis02-3201	50	47	,	,	PUNCT
ajis02-3201	50	48	and	and	CCONJ
ajis02-3201	50	49	the	the	DET
ajis02-3201	50	50	conclusion	conclusion	NOUN
ajis02-3201	50	51	,	,	PUNCT
ajis02-3201	50	52	implications	implication	NOUN
ajis02-3201	50	53	,	,	PUNCT
ajis02-3201	50	54	limitations	limitation	NOUN
ajis02-3201	50	55	,	,	PUNCT
ajis02-3201	50	56	and	and	CCONJ
ajis02-3201	50	57	future	future	ADJ
ajis02-3201	50	58	research	research	NOUN
ajis02-3201	50	59	areas	area	NOUN
ajis02-3201	50	60	in	in	ADP
ajis02-3201	50	61	section	section	NOUN
ajis02-3201	50	62	seven	seven	NUM
ajis02-3201	50	63	.	.	NOUN
ajis02-3201	50	64	2	2	NUM
ajis02-3201	50	65	theoretical	theoretical	ADJ
ajis02-3201	50	66	background	background	NOUN
ajis02-3201	50	67	2.1	2.1	NUM
ajis02-3201	50	68	innovation	innovation	NOUN
ajis02-3201	50	69	resistance	resistance	NOUN
ajis02-3201	50	70	theory	theory	NOUN
ajis02-3201	50	71	(	(	PUNCT
ajis02-3201	50	72	irt	irt	PROPN
ajis02-3201	50	73	)	)	PUNCT
ajis02-3201	50	74	innovation	innovation	NOUN
ajis02-3201	50	75	resistance	resistance	NOUN
ajis02-3201	50	76	as	as	ADP
ajis02-3201	50	77	a	a	DET
ajis02-3201	50	78	concept	concept	NOUN
ajis02-3201	50	79	is	be	AUX
ajis02-3201	50	80	relatively	relatively	ADV
ajis02-3201	50	81	new	new	ADJ
ajis02-3201	50	82	compared	compare	VERB
ajis02-3201	50	83	with	with	ADP
ajis02-3201	50	84	the	the	DET
ajis02-3201	50	85	adoption	adoption	NOUN
ajis02-3201	50	86	perspective	perspective	NOUN
ajis02-3201	50	87	.	.	PUNCT
ajis02-3201	51	1	ram	ram	NOUN
ajis02-3201	51	2	(	(	PUNCT
ajis02-3201	51	3	1987	1987	NUM
ajis02-3201	51	4	)	)	PUNCT
ajis02-3201	51	5	was	be	AUX
ajis02-3201	51	6	the	the	DET
ajis02-3201	51	7	first	first	ADJ
ajis02-3201	51	8	to	to	PART
ajis02-3201	51	9	discuss	discuss	VERB
ajis02-3201	51	10	the	the	DET
ajis02-3201	51	11	idea	idea	NOUN
ajis02-3201	51	12	that	that	SCONJ
ajis02-3201	51	13	resistance	resistance	NOUN
ajis02-3201	51	14	was	be	AUX
ajis02-3201	51	15	not	not	PART
ajis02-3201	51	16	the	the	DET
ajis02-3201	51	17	opposite	opposite	NOUN
ajis02-3201	51	18	of	of	ADP
ajis02-3201	51	19	adoption	adoption	NOUN
ajis02-3201	51	20	.	.	PUNCT
ajis02-3201	52	1	other	other	ADJ
ajis02-3201	52	2	scholars	scholar	NOUN
ajis02-3201	52	3	have	have	AUX
ajis02-3201	52	4	supported	support	VERB
ajis02-3201	52	5	this	this	DET
ajis02-3201	52	6	claim	claim	NOUN
ajis02-3201	52	7	,	,	PUNCT
ajis02-3201	52	8	arguing	argue	VERB
ajis02-3201	52	9	that	that	SCONJ
ajis02-3201	52	10	not	not	PART
ajis02-3201	52	11	only	only	ADV
ajis02-3201	52	12	is	be	AUX
ajis02-3201	52	13	innovation	innovation	NOUN
ajis02-3201	52	14	resistance	resistance	NOUN
ajis02-3201	52	15	an	an	DET
ajis02-3201	52	16	independent	independent	ADJ
ajis02-3201	52	17	attitude	attitude	NOUN
ajis02-3201	52	18	,	,	PUNCT
ajis02-3201	52	19	but	but	CCONJ
ajis02-3201	52	20	that	that	DET
ajis02-3201	52	21	resistance	resistance	NOUN
ajis02-3201	52	22	can	can	AUX
ajis02-3201	52	23	also	also	ADV
ajis02-3201	52	24	co	co	VERB
ajis02-3201	52	25	-	-	VERB
ajis02-3201	52	26	exist	exist	VERB
ajis02-3201	52	27	with	with	ADP
ajis02-3201	52	28	adoption	adoption	NOUN
ajis02-3201	52	29	(	(	PUNCT
ajis02-3201	52	30	e.g.	e.g.	ADV
ajis02-3201	52	31	,	,	PUNCT
ajis02-3201	52	32	oh	oh	INTJ
ajis02-3201	52	33	,	,	PUNCT
ajis02-3201	52	34	park	park	NOUN
ajis02-3201	52	35	,	,	PUNCT
ajis02-3201	52	36	&	&	CCONJ
ajis02-3201	52	37	min	min	PROPN
ajis02-3201	52	38	,	,	PUNCT
ajis02-3201	52	39	2019	2019	NUM
ajis02-3201	52	40	)	)	PUNCT
ajis02-3201	52	41	.	.	PUNCT
ajis02-3201	53	1	irt	irt	PROPN
ajis02-3201	53	2	(	(	PUNCT
ajis02-3201	53	3	ram	ram	PROPN
ajis02-3201	53	4	&	&	CCONJ
ajis02-3201	53	5	sheth	sheth	PROPN
ajis02-3201	53	6	,	,	PUNCT
ajis02-3201	53	7	1989	1989	NUM
ajis02-3201	53	8	)	)	PUNCT
ajis02-3201	53	9	presents	present	VERB
ajis02-3201	53	10	a	a	DET
ajis02-3201	53	11	formal	formal	ADJ
ajis02-3201	53	12	attempt	attempt	NOUN
ajis02-3201	53	13	at	at	ADP
ajis02-3201	53	14	providing	provide	VERB
ajis02-3201	53	15	a	a	DET
ajis02-3201	53	16	theoretical	theoretical	ADJ
ajis02-3201	53	17	framework	framework	NOUN
ajis02-3201	53	18	to	to	PART
ajis02-3201	53	19	capture	capture	VERB
ajis02-3201	53	20	the	the	DET
ajis02-3201	53	21	sources	source	NOUN
ajis02-3201	53	22	of	of	ADP
ajis02-3201	53	23	resistance	resistance	NOUN
ajis02-3201	53	24	that	that	PRON
ajis02-3201	53	25	may	may	AUX
ajis02-3201	53	26	cause	cause	VERB
ajis02-3201	53	27	consumers	consumer	NOUN
ajis02-3201	53	28	to	to	PART
ajis02-3201	53	29	avoid	avoid	VERB
ajis02-3201	53	30	adopting	adopt	VERB
ajis02-3201	53	31	an	an	DET
ajis02-3201	53	32	innovation	innovation	NOUN
ajis02-3201	53	33	.	.	PUNCT
ajis02-3201	54	1	the	the	DET
ajis02-3201	54	2	theory	theory	NOUN
ajis02-3201	54	3	postulates	postulate	VERB
ajis02-3201	54	4	that	that	SCONJ
ajis02-3201	54	5	consumers	consumer	NOUN
ajis02-3201	54	6	resist	resist	VERB
ajis02-3201	54	7	innovations	innovation	NOUN
ajis02-3201	54	8	that	that	PRON
ajis02-3201	54	9	present	present	VERB
ajis02-3201	54	10	potential	potential	ADJ
ajis02-3201	54	11	alternation	alternation	NOUN
ajis02-3201	54	12	in	in	ADP
ajis02-3201	54	13	the	the	DET
ajis02-3201	54	14	status	status	NOUN
ajis02-3201	54	15	quo	quo	NOUN
ajis02-3201	54	16	or	or	CCONJ
ajis02-3201	54	17	are	be	AUX
ajis02-3201	54	18	misaligned	misalign	VERB
ajis02-3201	54	19	with	with	ADP
ajis02-3201	54	20	their	their	PRON
ajis02-3201	54	21	beliefs	belief	NOUN
ajis02-3201	54	22	or	or	CCONJ
ajis02-3201	54	23	values	value	NOUN
ajis02-3201	54	24	.	.	PUNCT
ajis02-3201	55	1	irt	irt	PROPN
ajis02-3201	55	2	proposes	propose	VERB
ajis02-3201	55	3	two	two	NUM
ajis02-3201	55	4	broad	broad	ADJ
ajis02-3201	55	5	classes	class	NOUN
ajis02-3201	55	6	of	of	ADP
ajis02-3201	55	7	barriers	barrier	NOUN
ajis02-3201	55	8	,	,	PUNCT
ajis02-3201	55	9	namely	namely	ADV
ajis02-3201	55	10	,	,	PUNCT
ajis02-3201	55	11	functional	functional	ADJ
ajis02-3201	55	12	,	,	PUNCT
ajis02-3201	55	13	and	and	CCONJ
ajis02-3201	55	14	psychological	psychological	ADJ
ajis02-3201	55	15	,	,	PUNCT
ajis02-3201	55	16	as	as	ADP
ajis02-3201	55	17	measures	measure	NOUN
ajis02-3201	55	18	of	of	ADP
ajis02-3201	55	19	consumer	consumer	NOUN
ajis02-3201	55	20	resistance	resistance	NOUN
ajis02-3201	55	21	toward	toward	ADP
ajis02-3201	55	22	innovations	innovation	NOUN
ajis02-3201	55	23	.	.	PUNCT
ajis02-3201	56	1	these	these	DET
ajis02-3201	56	2	barriers	barrier	NOUN
ajis02-3201	56	3	translate	translate	VERB
ajis02-3201	56	4	into	into	ADP
ajis02-3201	56	5	resistance	resistance	NOUN
ajis02-3201	56	6	,	,	PUNCT
ajis02-3201	56	7	thereby	thereby	ADV
ajis02-3201	56	8	implying	imply	VERB
ajis02-3201	56	9	that	that	SCONJ
ajis02-3201	56	10	the	the	DET
ajis02-3201	56	11	consumers	consumer	NOUN
ajis02-3201	56	12	do	do	AUX
ajis02-3201	56	13	not	not	PART
ajis02-3201	56	14	accept	accept	VERB
ajis02-3201	56	15	the	the	DET
ajis02-3201	56	16	innovation	innovation	NOUN
ajis02-3201	56	17	.	.	PUNCT
ajis02-3201	57	1	this	this	PRON
ajis02-3201	57	2	non	non	ADJ
ajis02-3201	57	3	-	-	NOUN
ajis02-3201	57	4	acceptance	acceptance	NOUN
ajis02-3201	57	5	is	be	AUX
ajis02-3201	57	6	,	,	PUNCT
ajis02-3201	57	7	in	in	ADP
ajis02-3201	57	8	essence	essence	NOUN
ajis02-3201	57	9	,	,	PUNCT
ajis02-3201	57	10	non	non	ADJ
ajis02-3201	57	11	-	-	NOUN
ajis02-3201	57	12	adoption	adoption	NOUN
ajis02-3201	57	13	,	,	PUNCT
ajis02-3201	57	14	as	as	SCONJ
ajis02-3201	57	15	discussed	discuss	VERB
ajis02-3201	57	16	in	in	ADP
ajis02-3201	57	17	the	the	DET
ajis02-3201	57	18	next	next	ADJ
ajis02-3201	57	19	section	section	NOUN
ajis02-3201	57	20	.	.	PUNCT
ajis02-3201	58	1	the	the	DET
ajis02-3201	58	2	three	three	NUM
ajis02-3201	58	3	classic	classic	ADJ
ajis02-3201	58	4	functional	functional	ADJ
ajis02-3201	58	5	barriers	barrier	NOUN
ajis02-3201	58	6	correspond	correspond	VERB
ajis02-3201	58	7	with	with	ADP
ajis02-3201	58	8	usage	usage	NOUN
ajis02-3201	58	9	,	,	PUNCT
ajis02-3201	58	10	value	value	NOUN
ajis02-3201	58	11	,	,	PUNCT
ajis02-3201	58	12	and	and	CCONJ
ajis02-3201	58	13	risk	risk	NOUN
ajis02-3201	58	14	.	.	PUNCT
ajis02-3201	59	1	usage	usage	NOUN
ajis02-3201	59	2	barriers	barrier	NOUN
ajis02-3201	59	3	are	be	AUX
ajis02-3201	59	4	related	relate	VERB
ajis02-3201	59	5	to	to	ADP
ajis02-3201	59	6	using	use	VERB
ajis02-3201	59	7	the	the	DET
ajis02-3201	59	8	innovation	innovation	NOUN
ajis02-3201	59	9	and	and	CCONJ
ajis02-3201	59	10	the	the	DET
ajis02-3201	59	11	adjustments	adjustment	NOUN
ajis02-3201	59	12	that	that	PRON
ajis02-3201	59	13	the	the	DET
ajis02-3201	59	14	consumers	consumer	NOUN
ajis02-3201	59	15	need	need	VERB
ajis02-3201	59	16	to	to	PART
ajis02-3201	59	17	make	make	VERB
ajis02-3201	59	18	to	to	PART
ajis02-3201	59	19	do	do	VERB
ajis02-3201	59	20	so	so	ADV
ajis02-3201	59	21	based	base	VERB
ajis02-3201	59	22	on	on	ADP
ajis02-3201	59	23	the	the	DET
ajis02-3201	59	24	complexity	complexity	NOUN
ajis02-3201	59	25	or	or	CCONJ
ajis02-3201	59	26	lack	lack	NOUN
ajis02-3201	59	27	of	of	ADP
ajis02-3201	59	28	compatibility	compatibility	NOUN
ajis02-3201	59	29	of	of	ADP
ajis02-3201	59	30	the	the	DET
ajis02-3201	59	31	innovation	innovation	NOUN
ajis02-3201	59	32	;	;	PUNCT
ajis02-3201	59	33	value	value	NOUN
ajis02-3201	59	34	barriers	barrier	NOUN
ajis02-3201	59	35	,	,	PUNCT
ajis02-3201	59	36	meanwhile	meanwhile	ADV
ajis02-3201	59	37	,	,	PUNCT
ajis02-3201	59	38	are	be	AUX
ajis02-3201	59	39	related	relate	VERB
ajis02-3201	59	40	to	to	ADP
ajis02-3201	59	41	the	the	DET
ajis02-3201	59	42	benefit	benefit	NOUN
ajis02-3201	59	43	an	an	DET
ajis02-3201	59	44	innovation	innovation	NOUN
ajis02-3201	59	45	gives	give	VERB
ajis02-3201	59	46	over	over	ADP
ajis02-3201	59	47	its	its	PRON
ajis02-3201	59	48	substitutes	substitute	NOUN
ajis02-3201	59	49	,	,	PUNCT
ajis02-3201	59	50	as	as	SCONJ
ajis02-3201	59	51	seen	see	VERB
ajis02-3201	59	52	from	from	ADP
ajis02-3201	59	53	a	a	DET
ajis02-3201	59	54	performanceto	performanceto	NOUN
ajis02-3201	59	55	-	-	PUNCT
ajis02-3201	59	56	price	price	NOUN
ajis02-3201	59	57	perspective	perspective	NOUN
ajis02-3201	59	58	;	;	PUNCT
ajis02-3201	59	59	and	and	CCONJ
ajis02-3201	59	60	,	,	PUNCT
ajis02-3201	59	61	finally	finally	ADV
ajis02-3201	59	62	,	,	PUNCT
ajis02-3201	59	63	risk	risk	NOUN
ajis02-3201	59	64	barriers	barrier	NOUN
ajis02-3201	59	65	represent	represent	VERB
ajis02-3201	59	66	the	the	DET
ajis02-3201	59	67	perceived	perceive	VERB
ajis02-3201	59	68	threats	threat	NOUN
ajis02-3201	59	69	,	,	PUNCT
ajis02-3201	59	70	such	such	ADJ
ajis02-3201	59	71	as	as	ADP
ajis02-3201	59	72	australasian	australasian	ADJ
ajis02-3201	59	73	journal	journal	NOUN
ajis02-3201	59	74	of	of	ADP
ajis02-3201	59	75	information	information	NOUN
ajis02-3201	59	76	systems	system	NOUN
ajis02-3201	59	77	talwar	talwar	PROPN
ajis02-3201	59	78	et	et	PROPN
ajis02-3201	59	79	al	al	PROPN
ajis02-3201	59	80	.	.	PROPN
ajis02-3201	59	81	2021	2021	NUM
ajis02-3201	59	82	,	,	PUNCT
ajis02-3201	59	83	vol	vol	NOUN
ajis02-3201	59	84	25	25	NUM
ajis02-3201	59	85	,	,	PUNCT
ajis02-3201	59	86	research	research	NOUN
ajis02-3201	59	87	on	on	ADP
ajis02-3201	59	88	evaluation	evaluation	NOUN
ajis02-3201	59	89	a	a	DET
ajis02-3201	59	90	study	study	NOUN
ajis02-3201	59	91	of	of	ADP
ajis02-3201	59	92	mobile	mobile	ADJ
ajis02-3201	59	93	payment	payment	NOUN
ajis02-3201	59	94	innovations	innovation	NOUN
ajis02-3201	59	95	of	of	ADP
ajis02-3201	59	96	mobile	mobile	ADJ
ajis02-3201	59	97	applications	application	NOUN
ajis02-3201	59	98	5	5	NUM
ajis02-3201	59	99	breaches	breach	NOUN
ajis02-3201	59	100	of	of	ADP
ajis02-3201	59	101	privacy	privacy	NOUN
ajis02-3201	59	102	and	and	CCONJ
ajis02-3201	59	103	financial	financial	ADJ
ajis02-3201	59	104	risk	risk	NOUN
ajis02-3201	59	105	,	,	PUNCT
ajis02-3201	59	106	that	that	PRON
ajis02-3201	59	107	are	be	AUX
ajis02-3201	59	108	associated	associate	VERB
ajis02-3201	59	109	with	with	ADP
ajis02-3201	59	110	adopting	adopt	VERB
ajis02-3201	59	111	the	the	DET
ajis02-3201	59	112	innovation	innovation	NOUN
ajis02-3201	59	113	(	(	PUNCT
ajis02-3201	59	114	laukkanen	laukkanen	PROPN
ajis02-3201	59	115	,	,	PUNCT
ajis02-3201	59	116	sinkkonen	sinkkonen	PROPN
ajis02-3201	59	117	,	,	PUNCT
ajis02-3201	59	118	kivijärvi	kivijärvi	PROPN
ajis02-3201	59	119	,	,	PUNCT
ajis02-3201	59	120	&	&	CCONJ
ajis02-3201	59	121	laukkanen	laukkanen	PROPN
ajis02-3201	59	122	,	,	PUNCT
ajis02-3201	59	123	2007	2007	NUM
ajis02-3201	59	124	;	;	PUNCT
ajis02-3201	59	125	talwar	talwar	PROPN
ajis02-3201	59	126	et	et	PROPN
ajis02-3201	59	127	al	al	PROPN
ajis02-3201	59	128	.	.	PROPN
ajis02-3201	59	129	,	,	PUNCT
ajis02-3201	59	130	2020a	2020a	NUM
ajis02-3201	59	131	)	)	PUNCT
ajis02-3201	59	132	.	.	PUNCT
ajis02-3201	60	1	the	the	DET
ajis02-3201	60	2	two	two	NUM
ajis02-3201	60	3	classic	classic	ADJ
ajis02-3201	60	4	irt	irt	VERB
ajis02-3201	60	5	psychological	psychological	ADJ
ajis02-3201	60	6	barriers	barrier	NOUN
ajis02-3201	60	7	correspond	correspond	VERB
ajis02-3201	60	8	with	with	ADP
ajis02-3201	60	9	tradition	tradition	NOUN
ajis02-3201	60	10	and	and	CCONJ
ajis02-3201	60	11	image	image	NOUN
ajis02-3201	60	12	.	.	PUNCT
ajis02-3201	61	1	tradition	tradition	NOUN
ajis02-3201	61	2	barriers	barrier	NOUN
ajis02-3201	61	3	are	be	AUX
ajis02-3201	61	4	related	relate	VERB
ajis02-3201	61	5	to	to	ADP
ajis02-3201	61	6	the	the	DET
ajis02-3201	61	7	consumers	consumer	NOUN
ajis02-3201	61	8	'	'	PART
ajis02-3201	61	9	perception	perception	NOUN
ajis02-3201	61	10	of	of	ADP
ajis02-3201	61	11	how	how	SCONJ
ajis02-3201	61	12	the	the	DET
ajis02-3201	61	13	offered	offer	VERB
ajis02-3201	61	14	innovation	innovation	NOUN
ajis02-3201	61	15	deviates	deviate	VERB
ajis02-3201	61	16	from	from	ADP
ajis02-3201	61	17	the	the	DET
ajis02-3201	61	18	norms	norm	NOUN
ajis02-3201	61	19	of	of	ADP
ajis02-3201	61	20	society	society	NOUN
ajis02-3201	61	21	,	,	PUNCT
ajis02-3201	61	22	thereby	thereby	ADV
ajis02-3201	61	23	requiring	require	VERB
ajis02-3201	61	24	them	they	PRON
ajis02-3201	61	25	to	to	PART
ajis02-3201	61	26	act	act	VERB
ajis02-3201	61	27	against	against	ADP
ajis02-3201	61	28	well	well	ADV
ajis02-3201	61	29	-	-	PUNCT
ajis02-3201	61	30	entrenched	entrench	VERB
ajis02-3201	61	31	traditions	tradition	NOUN
ajis02-3201	61	32	;	;	PUNCT
ajis02-3201	61	33	image	image	NOUN
ajis02-3201	61	34	barriers	barrier	NOUN
ajis02-3201	61	35	,	,	PUNCT
ajis02-3201	61	36	meanwhile	meanwhile	ADV
ajis02-3201	61	37	,	,	PUNCT
ajis02-3201	61	38	are	be	AUX
ajis02-3201	61	39	related	relate	VERB
ajis02-3201	61	40	to	to	ADP
ajis02-3201	61	41	the	the	DET
ajis02-3201	61	42	extent	extent	NOUN
ajis02-3201	61	43	to	to	PART
ajis02-3201	61	44	which	which	PRON
ajis02-3201	61	45	the	the	DET
ajis02-3201	61	46	innovation	innovation	NOUN
ajis02-3201	61	47	has	have	VERB
ajis02-3201	61	48	an	an	DET
ajis02-3201	61	49	unfavorable	unfavorable	ADJ
ajis02-3201	61	50	image	image	NOUN
ajis02-3201	61	51	in	in	ADP
ajis02-3201	61	52	the	the	DET
ajis02-3201	61	53	eyes	eye	NOUN
ajis02-3201	61	54	of	of	ADP
ajis02-3201	61	55	the	the	DET
ajis02-3201	61	56	consumer	consumer	NOUN
ajis02-3201	61	57	(	(	PUNCT
ajis02-3201	61	58	claudy	claudy	VERB
ajis02-3201	61	59	et	et	PROPN
ajis02-3201	61	60	al	al	PROPN
ajis02-3201	61	61	.	.	PROPN
ajis02-3201	61	62	,	,	PUNCT
ajis02-3201	61	63	2015	2015	NUM
ajis02-3201	61	64	)	)	PUNCT
ajis02-3201	61	65	.	.	PUNCT
ajis02-3201	62	1	although	although	SCONJ
ajis02-3201	62	2	subsequent	subsequent	ADJ
ajis02-3201	62	3	to	to	ADP
ajis02-3201	62	4	the	the	DET
ajis02-3201	62	5	introduction	introduction	NOUN
ajis02-3201	62	6	of	of	ADP
ajis02-3201	62	7	irt	irt	PROPN
ajis02-3201	62	8	,	,	PUNCT
ajis02-3201	62	9	other	other	ADJ
ajis02-3201	62	10	barriers	barrier	NOUN
ajis02-3201	62	11	have	have	AUX
ajis02-3201	62	12	been	be	AUX
ajis02-3201	62	13	proposed	propose	VERB
ajis02-3201	62	14	and	and	CCONJ
ajis02-3201	62	15	examined	examine	VERB
ajis02-3201	62	16	,	,	PUNCT
ajis02-3201	62	17	such	such	ADJ
ajis02-3201	62	18	as	as	ADP
ajis02-3201	62	19	the	the	DET
ajis02-3201	62	20	vulnerability	vulnerability	NOUN
ajis02-3201	62	21	barrier	barrier	NOUN
ajis02-3201	62	22	(	(	PUNCT
ajis02-3201	62	23	e.g.	e.g.	ADV
ajis02-3201	62	24	,	,	PUNCT
ajis02-3201	62	25	talwar	talwar	PROPN
ajis02-3201	62	26	et	et	PROPN
ajis02-3201	62	27	al	al	PROPN
ajis02-3201	62	28	.	.	PROPN
ajis02-3201	62	29	,	,	PUNCT
ajis02-3201	62	30	2020b	2020b	NUM
ajis02-3201	62	31	;	;	PUNCT
ajis02-3201	62	32	talke	talke	NOUN
ajis02-3201	62	33	&	&	CCONJ
ajis02-3201	62	34	heidenreich	heidenreich	NOUN
ajis02-3201	62	35	,	,	PUNCT
ajis02-3201	62	36	2014	2014	NUM
ajis02-3201	62	37	)	)	PUNCT
ajis02-3201	62	38	.	.	PUNCT
ajis02-3201	63	1	however	however	ADV
ajis02-3201	63	2	,	,	PUNCT
ajis02-3201	63	3	we	we	PRON
ajis02-3201	63	4	consider	consider	VERB
ajis02-3201	63	5	only	only	ADV
ajis02-3201	63	6	the	the	DET
ajis02-3201	63	7	five	five	NUM
ajis02-3201	63	8	generic	generic	ADJ
ajis02-3201	63	9	irt	irt	PROPN
ajis02-3201	63	10	barriers	barrier	NOUN
ajis02-3201	63	11	in	in	ADP
ajis02-3201	63	12	our	our	PRON
ajis02-3201	63	13	study	study	NOUN
ajis02-3201	63	14	since	since	SCONJ
ajis02-3201	63	15	these	these	PRON
ajis02-3201	63	16	appreciably	appreciably	ADV
ajis02-3201	63	17	capture	capture	VERB
ajis02-3201	63	18	the	the	DET
ajis02-3201	63	19	breadth	breadth	NOUN
ajis02-3201	63	20	of	of	ADP
ajis02-3201	63	21	consumers	consumer	NOUN
ajis02-3201	63	22	'	'	PART
ajis02-3201	63	23	resistance	resistance	NOUN
ajis02-3201	63	24	to	to	ADP
ajis02-3201	63	25	innovation	innovation	NOUN
ajis02-3201	63	26	.	.	PUNCT
ajis02-3201	64	1	irt	irt	PROPN
ajis02-3201	64	2	provides	provide	VERB
ajis02-3201	64	3	a	a	DET
ajis02-3201	64	4	suitable	suitable	ADJ
ajis02-3201	64	5	theoretical	theoretical	ADJ
ajis02-3201	64	6	lens	lens	NOUN
ajis02-3201	64	7	for	for	ADP
ajis02-3201	64	8	our	our	PRON
ajis02-3201	64	9	study	study	NOUN
ajis02-3201	64	10	for	for	ADP
ajis02-3201	64	11	the	the	DET
ajis02-3201	64	12	following	follow	VERB
ajis02-3201	64	13	reasons	reason	NOUN
ajis02-3201	64	14	:	:	PUNCT
ajis02-3201	64	15	(	(	PUNCT
ajis02-3201	64	16	a	a	X
ajis02-3201	64	17	)	)	PUNCT
ajis02-3201	64	18	we	we	PRON
ajis02-3201	64	19	propose	propose	VERB
ajis02-3201	64	20	to	to	PART
ajis02-3201	64	21	examine	examine	VERB
ajis02-3201	64	22	different	different	ADJ
ajis02-3201	64	23	levels	level	NOUN
ajis02-3201	64	24	of	of	ADP
ajis02-3201	64	25	resistance	resistance	NOUN
ajis02-3201	64	26	in	in	ADP
ajis02-3201	64	27	non	non	NOUN
ajis02-3201	64	28	-	-	NOUN
ajis02-3201	64	29	users	user	NOUN
ajis02-3201	64	30	of	of	ADP
ajis02-3201	64	31	m	m	NOUN
ajis02-3201	64	32	-	-	NOUN
ajis02-3201	64	33	payments	payment	NOUN
ajis02-3201	64	34	,	,	PUNCT
ajis02-3201	64	35	and	and	CCONJ
ajis02-3201	64	36	irt	irt	PROPN
ajis02-3201	64	37	barriers	barrier	NOUN
ajis02-3201	64	38	are	be	AUX
ajis02-3201	64	39	welldocumented	welldocumente	VERB
ajis02-3201	64	40	in	in	ADP
ajis02-3201	64	41	the	the	DET
ajis02-3201	64	42	research	research	NOUN
ajis02-3201	64	43	as	as	ADP
ajis02-3201	64	44	antecedents	antecedent	NOUN
ajis02-3201	64	45	of	of	ADP
ajis02-3201	64	46	consumer	consumer	NOUN
ajis02-3201	64	47	resistance	resistance	NOUN
ajis02-3201	64	48	in	in	ADP
ajis02-3201	64	49	the	the	DET
ajis02-3201	64	50	context	context	NOUN
ajis02-3201	64	51	of	of	ADP
ajis02-3201	64	52	mobile	mobile	ADJ
ajis02-3201	64	53	banking	banking	NOUN
ajis02-3201	64	54	and	and	CCONJ
ajis02-3201	64	55	other	other	ADJ
ajis02-3201	64	56	related	relate	VERB
ajis02-3201	64	57	financial	financial	ADJ
ajis02-3201	64	58	services	service	NOUN
ajis02-3201	64	59	(	(	PUNCT
ajis02-3201	64	60	e.g.	e.g.	ADV
ajis02-3201	64	61	,	,	PUNCT
ajis02-3201	64	62	kaur	kaur	PROPN
ajis02-3201	64	63	et	et	PROPN
ajis02-3201	64	64	al	al	PROPN
ajis02-3201	64	65	.	.	PROPN
ajis02-3201	64	66	,	,	PUNCT
ajis02-3201	64	67	2020a	2020a	NUM
ajis02-3201	64	68	;	;	PUNCT
ajis02-3201	64	69	leong	leong	PROPN
ajis02-3201	64	70	et	et	PROPN
ajis02-3201	64	71	al	al	PROPN
ajis02-3201	64	72	.	.	PROPN
ajis02-3201	64	73	2020	2020	NUM
ajis02-3201	64	74	;	;	PUNCT
ajis02-3201	64	75	laukkanen	laukkanen	NUM
ajis02-3201	64	76	,	,	PUNCT
ajis02-3201	64	77	2016	2016	NUM
ajis02-3201	64	78	)	)	PUNCT
ajis02-3201	64	79	;	;	PUNCT
ajis02-3201	64	80	(	(	PUNCT
ajis02-3201	64	81	b	b	X
ajis02-3201	64	82	)	)	PUNCT
ajis02-3201	64	83	irt	irt	PROPN
ajis02-3201	64	84	allows	allow	VERB
ajis02-3201	64	85	us	we	PRON
ajis02-3201	64	86	to	to	PART
ajis02-3201	64	87	understand	understand	VERB
ajis02-3201	64	88	resistance	resistance	NOUN
ajis02-3201	64	89	to	to	ADP
ajis02-3201	64	90	innovation	innovation	NOUN
ajis02-3201	64	91	as	as	ADP
ajis02-3201	64	92	a	a	DET
ajis02-3201	64	93	combination	combination	NOUN
ajis02-3201	64	94	of	of	ADP
ajis02-3201	64	95	both	both	DET
ajis02-3201	64	96	attitude	attitude	NOUN
ajis02-3201	64	97	and	and	CCONJ
ajis02-3201	64	98	behavior	behavior	NOUN
ajis02-3201	64	99	(	(	PUNCT
ajis02-3201	64	100	e.g.	e.g.	ADV
ajis02-3201	64	101	bagozzi	bagozzi	PROPN
ajis02-3201	64	102	&	&	CCONJ
ajis02-3201	64	103	lee	lee	PROPN
ajis02-3201	64	104	,	,	PUNCT
ajis02-3201	64	105	1999	1999	NUM
ajis02-3201	64	106	)	)	PUNCT
ajis02-3201	64	107	,	,	PUNCT
ajis02-3201	64	108	which	which	PRON
ajis02-3201	64	109	helps	help	VERB
ajis02-3201	64	110	us	we	PRON
ajis02-3201	64	111	better	well	ADV
ajis02-3201	64	112	explicate	explicate	VERB
ajis02-3201	64	113	varying	vary	VERB
ajis02-3201	64	114	levels	level	NOUN
ajis02-3201	64	115	of	of	ADP
ajis02-3201	64	116	resistance	resistance	NOUN
ajis02-3201	64	117	;	;	PUNCT
ajis02-3201	64	118	(	(	PUNCT
ajis02-3201	64	119	c	c	X
ajis02-3201	64	120	)	)	PUNCT
ajis02-3201	64	121	scholars	scholar	NOUN
ajis02-3201	64	122	have	have	AUX
ajis02-3201	64	123	proposed	propose	VERB
ajis02-3201	64	124	irt	irt	PROPN
ajis02-3201	64	125	and	and	CCONJ
ajis02-3201	64	126	its	its	PRON
ajis02-3201	64	127	extended	extended	ADJ
ajis02-3201	64	128	versions	version	NOUN
ajis02-3201	64	129	as	as	ADP
ajis02-3201	64	130	a	a	DET
ajis02-3201	64	131	useful	useful	ADJ
ajis02-3201	64	132	basis	basis	NOUN
ajis02-3201	64	133	for	for	ADP
ajis02-3201	64	134	explaining	explain	VERB
ajis02-3201	64	135	pre	pre	ADJ
ajis02-3201	64	136	-	-	ADJ
ajis02-3201	64	137	adoption	adoption	ADJ
ajis02-3201	64	138	behavior	behavior	NOUN
ajis02-3201	64	139	in	in	ADP
ajis02-3201	64	140	the	the	DET
ajis02-3201	64	141	area	area	NOUN
ajis02-3201	64	142	of	of	ADP
ajis02-3201	64	143	finance	finance	NOUN
ajis02-3201	64	144	(	(	PUNCT
ajis02-3201	64	145	e.g.	e.g.	ADV
ajis02-3201	64	146	,	,	PUNCT
ajis02-3201	64	147	seth	seth	PROPN
ajis02-3201	64	148	,	,	PUNCT
ajis02-3201	64	149	talwar	talwar	PROPN
ajis02-3201	64	150	,	,	PUNCT
ajis02-3201	64	151	bhatia	bhatia	PROPN
ajis02-3201	64	152	,	,	PUNCT
ajis02-3201	64	153	saxena	saxena	PROPN
ajis02-3201	64	154	,	,	PUNCT
ajis02-3201	64	155	&	&	CCONJ
ajis02-3201	64	156	dhir	dhir	ADJ
ajis02-3201	64	157	,	,	PUNCT
ajis02-3201	64	158	2020	2020	NUM
ajis02-3201	64	159	)	)	PUNCT
ajis02-3201	64	160	;	;	PUNCT
ajis02-3201	64	161	and	and	CCONJ
ajis02-3201	64	162	(	(	PUNCT
ajis02-3201	64	163	d	d	X
ajis02-3201	64	164	)	)	PUNCT
ajis02-3201	64	165	irt	irt	PROPN
ajis02-3201	64	166	has	have	AUX
ajis02-3201	64	167	been	be	AUX
ajis02-3201	64	168	invoked	invoke	VERB
ajis02-3201	64	169	by	by	ADP
ajis02-3201	64	170	scholars	scholar	NOUN
ajis02-3201	64	171	to	to	PART
ajis02-3201	64	172	examine	examine	VERB
ajis02-3201	64	173	the	the	DET
ajis02-3201	64	174	nonadoption	nonadoption	NOUN
ajis02-3201	64	175	of	of	ADP
ajis02-3201	64	176	digital	digital	ADJ
ajis02-3201	64	177	innovation	innovation	NOUN
ajis02-3201	64	178	,	,	PUNCT
ajis02-3201	64	179	yielding	yield	VERB
ajis02-3201	64	180	robust	robust	ADJ
ajis02-3201	64	181	results	result	NOUN
ajis02-3201	64	182	and	and	CCONJ
ajis02-3201	64	183	offering	offer	VERB
ajis02-3201	64	184	deeper	deep	ADJ
ajis02-3201	64	185	insights	insight	NOUN
ajis02-3201	64	186	into	into	ADP
ajis02-3201	64	187	the	the	DET
ajis02-3201	64	188	slow	slow	ADJ
ajis02-3201	64	189	or	or	CCONJ
ajis02-3201	64	190	no	no	DET
ajis02-3201	64	191	diffusion	diffusion	NOUN
ajis02-3201	64	192	of	of	ADP
ajis02-3201	64	193	innovations	innovation	NOUN
ajis02-3201	64	194	in	in	ADP
ajis02-3201	64	195	the	the	DET
ajis02-3201	64	196	digital	digital	ADJ
ajis02-3201	64	197	domain	domain	NOUN
ajis02-3201	64	198	(	(	PUNCT
ajis02-3201	64	199	e.g.	e.g.	ADV
ajis02-3201	64	200	,	,	PUNCT
ajis02-3201	64	201	soh	soh	PROPN
ajis02-3201	64	202	et	et	PROPN
ajis02-3201	64	203	al	al	PROPN
ajis02-3201	64	204	.	.	PROPN
ajis02-3201	64	205	,	,	PUNCT
ajis02-3201	64	206	2020	2020	NUM
ajis02-3201	64	207	)	)	PUNCT
ajis02-3201	64	208	.	.	PUNCT
ajis02-3201	65	1	2.2	2.2	NUM
ajis02-3201	65	2	non	non	ADJ
ajis02-3201	65	3	-	-	NOUN
ajis02-3201	65	4	adoption	adoption	NOUN
ajis02-3201	65	5	versus	versus	ADP
ajis02-3201	65	6	resistance	resistance	NOUN
ajis02-3201	65	7	toward	toward	ADP
ajis02-3201	65	8	innovations	innovation	NOUN
ajis02-3201	65	9	over	over	ADP
ajis02-3201	65	10	time	time	NOUN
ajis02-3201	65	11	,	,	PUNCT
ajis02-3201	65	12	researchers	researcher	NOUN
ajis02-3201	65	13	realized	realize	VERB
ajis02-3201	65	14	that	that	SCONJ
ajis02-3201	65	15	the	the	DET
ajis02-3201	65	16	enablers	enabler	NOUN
ajis02-3201	65	17	of	of	ADP
ajis02-3201	65	18	innovation	innovation	NOUN
ajis02-3201	65	19	adoption	adoption	NOUN
ajis02-3201	65	20	were	be	AUX
ajis02-3201	65	21	not	not	PART
ajis02-3201	65	22	very	very	ADV
ajis02-3201	65	23	effective	effective	ADJ
ajis02-3201	65	24	in	in	ADP
ajis02-3201	65	25	explaining	explain	VERB
ajis02-3201	65	26	the	the	DET
ajis02-3201	65	27	inhibiting	inhibit	VERB
ajis02-3201	65	28	factors	factor	NOUN
ajis02-3201	65	29	that	that	PRON
ajis02-3201	65	30	could	could	AUX
ajis02-3201	65	31	lead	lead	VERB
ajis02-3201	65	32	to	to	ADP
ajis02-3201	65	33	non	non	ADJ
ajis02-3201	65	34	-	-	NOUN
ajis02-3201	65	35	adoption	adoption	NOUN
ajis02-3201	65	36	and	and	CCONJ
ajis02-3201	65	37	resistance	resistance	NOUN
ajis02-3201	65	38	(	(	PUNCT
ajis02-3201	65	39	e.g.	e.g.	ADV
ajis02-3201	65	40	,	,	PUNCT
ajis02-3201	65	41	kleijnen	kleijnen	PROPN
ajis02-3201	65	42	et	et	PROPN
ajis02-3201	65	43	al	al	PROPN
ajis02-3201	65	44	.	.	PROPN
ajis02-3201	65	45	,	,	PUNCT
ajis02-3201	65	46	2009	2009	NUM
ajis02-3201	65	47	;	;	PUNCT
ajis02-3201	65	48	szmigin	szmigin	NOUN
ajis02-3201	65	49	&	&	CCONJ
ajis02-3201	65	50	foxall	foxall	NOUN
ajis02-3201	65	51	,	,	PUNCT
ajis02-3201	65	52	1998	1998	NUM
ajis02-3201	65	53	)	)	PUNCT
ajis02-3201	65	54	.	.	PUNCT
ajis02-3201	66	1	non	non	ADJ
ajis02-3201	66	2	-	-	NOUN
ajis02-3201	66	3	adoption	adoption	NOUN
ajis02-3201	66	4	of	of	ADP
ajis02-3201	66	5	innovation	innovation	NOUN
ajis02-3201	66	6	,	,	PUNCT
ajis02-3201	66	7	as	as	SCONJ
ajis02-3201	66	8	discussed	discuss	VERB
ajis02-3201	66	9	above	above	ADV
ajis02-3201	66	10	,	,	PUNCT
ajis02-3201	66	11	is	be	AUX
ajis02-3201	66	12	actually	actually	ADV
ajis02-3201	66	13	the	the	DET
ajis02-3201	66	14	non	non	ADJ
ajis02-3201	66	15	-	-	NOUN
ajis02-3201	66	16	acceptance	acceptance	NOUN
ajis02-3201	66	17	of	of	ADP
ajis02-3201	66	18	innovation	innovation	NOUN
ajis02-3201	66	19	,	,	PUNCT
ajis02-3201	66	20	which	which	PRON
ajis02-3201	66	21	manifests	manifest	VERB
ajis02-3201	66	22	as	as	ADP
ajis02-3201	66	23	consumer	consumer	NOUN
ajis02-3201	66	24	resistance	resistance	NOUN
ajis02-3201	66	25	.	.	PUNCT
ajis02-3201	67	1	there	there	PRON
ajis02-3201	67	2	are	be	VERB
ajis02-3201	67	3	two	two	NUM
ajis02-3201	67	4	streams	stream	NOUN
ajis02-3201	67	5	of	of	ADP
ajis02-3201	67	6	thought	thought	NOUN
ajis02-3201	67	7	in	in	ADP
ajis02-3201	67	8	the	the	DET
ajis02-3201	67	9	existing	exist	VERB
ajis02-3201	67	10	literature	literature	NOUN
ajis02-3201	67	11	.	.	PUNCT
ajis02-3201	68	1	the	the	DET
ajis02-3201	68	2	first	first	ADJ
ajis02-3201	68	3	considers	consider	VERB
ajis02-3201	68	4	non	non	ADJ
ajis02-3201	68	5	-	-	NOUN
ajis02-3201	68	6	adoption	adoption	NOUN
ajis02-3201	68	7	and	and	CCONJ
ajis02-3201	68	8	resistance	resistance	NOUN
ajis02-3201	68	9	as	as	ADP
ajis02-3201	68	10	synonyms	synonym	NOUN
ajis02-3201	68	11	and	and	CCONJ
ajis02-3201	68	12	describes	describe	VERB
ajis02-3201	68	13	them	they	PRON
ajis02-3201	68	14	accordingly	accordingly	ADV
ajis02-3201	68	15	(	(	PUNCT
ajis02-3201	68	16	e.g.	e.g.	ADV
ajis02-3201	68	17	,	,	PUNCT
ajis02-3201	68	18	claudy	claudy	ADJ
ajis02-3201	68	19	,	,	PUNCT
ajis02-3201	68	20	o'driscoll	o'driscoll	PROPN
ajis02-3201	68	21	,	,	PUNCT
ajis02-3201	68	22	garcia	garcia	PROPN
ajis02-3201	68	23	,	,	PUNCT
ajis02-3201	68	24	&	&	CCONJ
ajis02-3201	68	25	mullen	mullen	PROPN
ajis02-3201	68	26	,	,	PUNCT
ajis02-3201	68	27	2010	2010	NUM
ajis02-3201	68	28	)	)	PUNCT
ajis02-3201	68	29	.	.	PUNCT
ajis02-3201	69	1	the	the	DET
ajis02-3201	69	2	second	second	ADJ
ajis02-3201	69	3	stream	stream	NOUN
ajis02-3201	69	4	considers	consider	VERB
ajis02-3201	69	5	resistance	resistance	NOUN
ajis02-3201	69	6	to	to	PART
ajis02-3201	69	7	be	be	AUX
ajis02-3201	69	8	a	a	DET
ajis02-3201	69	9	subset	subset	NOUN
ajis02-3201	69	10	of	of	ADP
ajis02-3201	69	11	non	non	ADJ
ajis02-3201	69	12	-	-	NOUN
ajis02-3201	69	13	adoption	adoption	NOUN
ajis02-3201	69	14	(	(	PUNCT
ajis02-3201	69	15	e.g.	e.g.	ADV
ajis02-3201	69	16	,	,	PUNCT
ajis02-3201	69	17	patsiotis	patsiotis	PROPN
ajis02-3201	69	18	,	,	PUNCT
ajis02-3201	69	19	hughes	hughes	PROPN
ajis02-3201	69	20	,	,	PUNCT
ajis02-3201	69	21	&	&	CCONJ
ajis02-3201	69	22	webber	webber	PROPN
ajis02-3201	69	23	,	,	PUNCT
ajis02-3201	69	24	2013	2013	NUM
ajis02-3201	69	25	)	)	PUNCT
ajis02-3201	69	26	.	.	PUNCT
ajis02-3201	70	1	in	in	ADP
ajis02-3201	70	2	the	the	DET
ajis02-3201	70	3	following	follow	VERB
ajis02-3201	70	4	discussion	discussion	NOUN
ajis02-3201	70	5	,	,	PUNCT
ajis02-3201	70	6	we	we	PRON
ajis02-3201	70	7	outline	outline	VERB
ajis02-3201	70	8	the	the	DET
ajis02-3201	70	9	contours	contours	NOUN
ajis02-3201	70	10	of	of	ADP
ajis02-3201	70	11	both	both	DET
ajis02-3201	70	12	streams	stream	NOUN
ajis02-3201	70	13	to	to	PART
ajis02-3201	70	14	present	present	VERB
ajis02-3201	70	15	a	a	DET
ajis02-3201	70	16	complete	complete	ADJ
ajis02-3201	70	17	picture	picture	NOUN
ajis02-3201	70	18	of	of	ADP
ajis02-3201	70	19	the	the	DET
ajis02-3201	70	20	thought	thought	NOUN
ajis02-3201	70	21	process	process	NOUN
ajis02-3201	70	22	that	that	PRON
ajis02-3201	70	23	has	have	AUX
ajis02-3201	70	24	evolved	evolve	VERB
ajis02-3201	70	25	over	over	ADP
ajis02-3201	70	26	the	the	DET
ajis02-3201	70	27	past	past	ADJ
ajis02-3201	70	28	few	few	ADJ
ajis02-3201	70	29	decades	decade	NOUN
ajis02-3201	70	30	in	in	ADP
ajis02-3201	70	31	the	the	DET
ajis02-3201	70	32	context	context	NOUN
ajis02-3201	70	33	of	of	ADP
ajis02-3201	70	34	resistance	resistance	NOUN
ajis02-3201	70	35	and	and	CCONJ
ajis02-3201	70	36	non	non	NOUN
ajis02-3201	70	37	-	-	NOUN
ajis02-3201	70	38	adoption	adoption	NOUN
ajis02-3201	70	39	.	.	PUNCT
ajis02-3201	71	1	2.2.1	2.2.1	NUM
ajis02-3201	71	2	non	non	ADJ
ajis02-3201	71	3	-	-	NOUN
ajis02-3201	71	4	adoption	adoption	NOUN
ajis02-3201	71	5	and	and	CCONJ
ajis02-3201	71	6	resistance	resistance	NOUN
ajis02-3201	71	7	as	as	ADP
ajis02-3201	71	8	identical	identical	ADJ
ajis02-3201	71	9	concepts	concept	NOUN
ajis02-3201	71	10	one	one	NUM
ajis02-3201	71	11	of	of	ADP
ajis02-3201	71	12	the	the	DET
ajis02-3201	71	13	earliest	early	ADJ
ajis02-3201	71	14	mentions	mention	NOUN
ajis02-3201	71	15	of	of	ADP
ajis02-3201	71	16	non	non	ADJ
ajis02-3201	71	17	-	-	NOUN
ajis02-3201	71	18	adoption	adoption	NOUN
ajis02-3201	71	19	of	of	ADP
ajis02-3201	71	20	innovation	innovation	NOUN
ajis02-3201	71	21	was	be	AUX
ajis02-3201	71	22	in	in	ADP
ajis02-3201	71	23	1976	1976	NUM
ajis02-3201	71	24	by	by	ADP
ajis02-3201	71	25	mittelstaedt	mittelstaedt	NOUN
ajis02-3201	71	26	,	,	PUNCT
ajis02-3201	71	27	grossbart	grossbart	NOUN
ajis02-3201	71	28	,	,	PUNCT
ajis02-3201	71	29	curtis	curtis	PROPN
ajis02-3201	71	30	,	,	PUNCT
ajis02-3201	71	31	and	and	CCONJ
ajis02-3201	71	32	devere	devere	PROPN
ajis02-3201	71	33	(	(	PUNCT
ajis02-3201	71	34	1976	1976	NUM
ajis02-3201	71	35	)	)	PUNCT
ajis02-3201	71	36	.	.	PUNCT
ajis02-3201	72	1	they	they	PRON
ajis02-3201	72	2	identified	identify	VERB
ajis02-3201	72	3	three	three	NUM
ajis02-3201	72	4	key	key	ADJ
ajis02-3201	72	5	factors	factor	NOUN
ajis02-3201	72	6	as	as	ADP
ajis02-3201	72	7	the	the	DET
ajis02-3201	72	8	causes	cause	NOUN
ajis02-3201	72	9	of	of	ADP
ajis02-3201	72	10	this	this	DET
ajis02-3201	72	11	non	non	NOUN
ajis02-3201	72	12	-	-	NOUN
ajis02-3201	72	13	adoption	adoption	NOUN
ajis02-3201	72	14	.	.	PUNCT
ajis02-3201	73	1	first	first	ADV
ajis02-3201	73	2	is	be	AUX
ajis02-3201	73	3	symbolical	symbolical	ADJ
ajis02-3201	73	4	rejection	rejection	NOUN
ajis02-3201	73	5	,	,	PUNCT
ajis02-3201	73	6	wherein	wherein	SCONJ
ajis02-3201	73	7	consumers	consumer	NOUN
ajis02-3201	73	8	use	use	VERB
ajis02-3201	73	9	the	the	DET
ajis02-3201	73	10	information	information	NOUN
ajis02-3201	73	11	available	available	ADJ
ajis02-3201	73	12	to	to	PART
ajis02-3201	73	13	decide	decide	VERB
ajis02-3201	73	14	that	that	SCONJ
ajis02-3201	73	15	the	the	DET
ajis02-3201	73	16	product	product	NOUN
ajis02-3201	73	17	is	be	AUX
ajis02-3201	73	18	not	not	PART
ajis02-3201	73	19	suitable	suitable	ADJ
ajis02-3201	73	20	for	for	ADP
ajis02-3201	73	21	them	they	PRON
ajis02-3201	73	22	;	;	PUNCT
ajis02-3201	73	23	second	second	ADV
ajis02-3201	73	24	is	be	AUX
ajis02-3201	73	25	that	that	SCONJ
ajis02-3201	73	26	although	although	SCONJ
ajis02-3201	73	27	consumers	consumer	NOUN
ajis02-3201	73	28	accept	accept	VERB
ajis02-3201	73	29	the	the	DET
ajis02-3201	73	30	innovation	innovation	NOUN
ajis02-3201	73	31	symbolically	symbolically	ADV
ajis02-3201	73	32	,	,	PUNCT
ajis02-3201	73	33	other	other	ADJ
ajis02-3201	73	34	factors	factor	NOUN
ajis02-3201	73	35	make	make	VERB
ajis02-3201	73	36	them	they	PRON
ajis02-3201	73	37	unwilling	unwilling	ADJ
ajis02-3201	73	38	to	to	PART
ajis02-3201	73	39	adopt	adopt	VERB
ajis02-3201	73	40	the	the	DET
ajis02-3201	73	41	innovation	innovation	NOUN
ajis02-3201	73	42	;	;	PUNCT
ajis02-3201	73	43	and	and	CCONJ
ajis02-3201	73	44	the	the	DET
ajis02-3201	73	45	third	third	NOUN
ajis02-3201	73	46	is	be	AUX
ajis02-3201	73	47	that	that	SCONJ
ajis02-3201	73	48	although	although	SCONJ
ajis02-3201	73	49	consumers	consumer	NOUN
ajis02-3201	73	50	symbolically	symbolically	ADV
ajis02-3201	73	51	adopt	adopt	VERB
ajis02-3201	73	52	the	the	DET
ajis02-3201	73	53	innovation	innovation	NOUN
ajis02-3201	73	54	and	and	CCONJ
ajis02-3201	73	55	are	be	AUX
ajis02-3201	73	56	also	also	ADV
ajis02-3201	73	57	willing	willing	ADJ
ajis02-3201	73	58	to	to	PART
ajis02-3201	73	59	accept	accept	VERB
ajis02-3201	73	60	it	it	PRON
ajis02-3201	73	61	,	,	PUNCT
ajis02-3201	73	62	they	they	PRON
ajis02-3201	73	63	still	still	ADV
ajis02-3201	73	64	postpone	postpone	VERB
ajis02-3201	73	65	the	the	DET
ajis02-3201	73	66	adoption	adoption	NOUN
ajis02-3201	73	67	.	.	PUNCT
ajis02-3201	74	1	thus	thus	ADV
ajis02-3201	74	2	,	,	PUNCT
ajis02-3201	74	3	non	non	ADJ
ajis02-3201	74	4	-	-	ADJ
ajis02-3201	74	5	adoption	adoption	NOUN
ajis02-3201	74	6	may	may	AUX
ajis02-3201	74	7	manifest	manifest	VERB
ajis02-3201	74	8	as	as	ADP
ajis02-3201	74	9	one	one	NUM
ajis02-3201	74	10	of	of	ADP
ajis02-3201	74	11	the	the	DET
ajis02-3201	74	12	three	three	NUM
ajis02-3201	74	13	responses	response	NOUN
ajis02-3201	74	14	of	of	ADP
ajis02-3201	74	15	consumers	consumer	NOUN
ajis02-3201	74	16	,	,	PUNCT
ajis02-3201	74	17	namely	namely	ADV
ajis02-3201	74	18	,	,	PUNCT
ajis02-3201	74	19	postponement	postponement	NOUN
ajis02-3201	74	20	,	,	PUNCT
ajis02-3201	74	21	opposition	opposition	NOUN
ajis02-3201	74	22	,	,	PUNCT
ajis02-3201	74	23	and	and	CCONJ
ajis02-3201	74	24	rejection	rejection	NOUN
ajis02-3201	74	25	.	.	PUNCT
ajis02-3201	75	1	australasian	australasian	ADJ
ajis02-3201	75	2	journal	journal	NOUN
ajis02-3201	75	3	of	of	ADP
ajis02-3201	75	4	information	information	NOUN
ajis02-3201	75	5	systems	system	NOUN
ajis02-3201	75	6	talwar	talwar	PROPN
ajis02-3201	75	7	et	et	PROPN
ajis02-3201	75	8	al	al	PROPN
ajis02-3201	75	9	.	.	PROPN
ajis02-3201	75	10	2021	2021	NUM
ajis02-3201	75	11	,	,	PUNCT
ajis02-3201	75	12	vol	vol	NOUN
ajis02-3201	75	13	25	25	NUM
ajis02-3201	75	14	,	,	PUNCT
ajis02-3201	75	15	research	research	NOUN
ajis02-3201	75	16	on	on	ADP
ajis02-3201	75	17	evaluation	evaluation	NOUN
ajis02-3201	75	18	a	a	DET
ajis02-3201	75	19	study	study	NOUN
ajis02-3201	75	20	of	of	ADP
ajis02-3201	75	21	mobile	mobile	ADJ
ajis02-3201	75	22	payment	payment	NOUN
ajis02-3201	75	23	innovations	innovation	NOUN
ajis02-3201	75	24	of	of	ADP
ajis02-3201	75	25	mobile	mobile	ADJ
ajis02-3201	75	26	applications	application	NOUN
ajis02-3201	75	27	6	6	NUM
ajis02-3201	75	28	later	later	ADV
ajis02-3201	75	29	,	,	PUNCT
ajis02-3201	75	30	a	a	DET
ajis02-3201	75	31	shift	shift	NOUN
ajis02-3201	75	32	in	in	ADP
ajis02-3201	75	33	the	the	DET
ajis02-3201	75	34	focus	focus	NOUN
ajis02-3201	75	35	from	from	ADP
ajis02-3201	75	36	the	the	DET
ajis02-3201	75	37	non	non	NOUN
ajis02-3201	75	38	-	-	NOUN
ajis02-3201	75	39	adoption	adoption	NOUN
ajis02-3201	75	40	of	of	ADP
ajis02-3201	75	41	innovation	innovation	NOUN
ajis02-3201	75	42	to	to	ADP
ajis02-3201	75	43	the	the	DET
ajis02-3201	75	44	resistance	resistance	NOUN
ajis02-3201	75	45	toward	toward	ADP
ajis02-3201	75	46	it	it	PRON
ajis02-3201	75	47	occurred	occur	VERB
ajis02-3201	75	48	(	(	PUNCT
ajis02-3201	75	49	szmigin	szmigin	NOUN
ajis02-3201	75	50	&	&	CCONJ
ajis02-3201	75	51	foxall	foxall	NOUN
ajis02-3201	75	52	1998	1998	NUM
ajis02-3201	75	53	)	)	PUNCT
ajis02-3201	75	54	,	,	PUNCT
ajis02-3201	75	55	wherein	wherein	SCONJ
ajis02-3201	75	56	scholars	scholar	NOUN
ajis02-3201	75	57	used	use	VERB
ajis02-3201	75	58	postponement	postponement	NOUN
ajis02-3201	75	59	,	,	PUNCT
ajis02-3201	75	60	opposition	opposition	NOUN
ajis02-3201	75	61	,	,	PUNCT
ajis02-3201	75	62	and	and	CCONJ
ajis02-3201	75	63	rejection	rejection	NOUN
ajis02-3201	75	64	as	as	ADP
ajis02-3201	75	65	three	three	NUM
ajis02-3201	75	66	levels	level	NOUN
ajis02-3201	75	67	of	of	ADP
ajis02-3201	75	68	resistance	resistance	NOUN
ajis02-3201	75	69	to	to	PART
ajis02-3201	75	70	explain	explain	VERB
ajis02-3201	75	71	the	the	DET
ajis02-3201	75	72	resistant	resistant	ADJ
ajis02-3201	75	73	behaviors	behavior	NOUN
ajis02-3201	75	74	of	of	ADP
ajis02-3201	75	75	consumers	consumer	NOUN
ajis02-3201	75	76	.	.	PUNCT
ajis02-3201	76	1	for	for	ADP
ajis02-3201	76	2	instance	instance	NOUN
ajis02-3201	76	3	,	,	PUNCT
ajis02-3201	76	4	claudy	claudy	VERB
ajis02-3201	76	5	et	et	PROPN
ajis02-3201	76	6	al	al	PROPN
ajis02-3201	76	7	.	.	PROPN
ajis02-3201	77	1	(	(	PUNCT
ajis02-3201	77	2	2010	2010	NUM
ajis02-3201	77	3	)	)	PUNCT
ajis02-3201	77	4	discussed	discuss	VERB
ajis02-3201	77	5	resistance	resistance	NOUN
ajis02-3201	77	6	as	as	ADP
ajis02-3201	77	7	a	a	DET
ajis02-3201	77	8	consumer	consumer	NOUN
ajis02-3201	77	9	response	response	NOUN
ajis02-3201	77	10	spanning	span	VERB
ajis02-3201	77	11	its	its	PRON
ajis02-3201	77	12	weak	weak	ADJ
ajis02-3201	77	13	form	form	NOUN
ajis02-3201	77	14	(	(	PUNCT
ajis02-3201	77	15	postponement	postponement	NOUN
ajis02-3201	77	16	)	)	PUNCT
ajis02-3201	77	17	to	to	ADP
ajis02-3201	77	18	strong	strong	ADJ
ajis02-3201	77	19	form	form	NOUN
ajis02-3201	77	20	(	(	PUNCT
ajis02-3201	77	21	rejection	rejection	NOUN
ajis02-3201	77	22	)	)	PUNCT
ajis02-3201	77	23	,	,	PUNCT
ajis02-3201	77	24	arguing	argue	VERB
ajis02-3201	77	25	that	that	SCONJ
ajis02-3201	77	26	the	the	DET
ajis02-3201	77	27	factors	factor	NOUN
ajis02-3201	77	28	causing	cause	VERB
ajis02-3201	77	29	resistance	resistance	NOUN
ajis02-3201	77	30	were	be	AUX
ajis02-3201	77	31	varied	varied	ADJ
ajis02-3201	77	32	and	and	CCONJ
ajis02-3201	77	33	possibly	possibly	ADV
ajis02-3201	77	34	related	relate	VERB
ajis02-3201	77	35	to	to	ADP
ajis02-3201	77	36	social	social	ADJ
ajis02-3201	77	37	context	context	NOUN
ajis02-3201	77	38	,	,	PUNCT
ajis02-3201	77	39	the	the	DET
ajis02-3201	77	40	features	feature	NOUN
ajis02-3201	77	41	of	of	ADP
ajis02-3201	77	42	the	the	DET
ajis02-3201	77	43	innovation	innovation	NOUN
ajis02-3201	77	44	,	,	PUNCT
ajis02-3201	77	45	and	and	CCONJ
ajis02-3201	77	46	the	the	DET
ajis02-3201	77	47	complex	complex	ADJ
ajis02-3201	77	48	interaction	interaction	NOUN
ajis02-3201	77	49	of	of	ADP
ajis02-3201	77	50	retail	retail	ADJ
ajis02-3201	77	51	consumers	consumer	NOUN
ajis02-3201	77	52	with	with	ADP
ajis02-3201	77	53	one	one	NUM
ajis02-3201	77	54	another	another	DET
ajis02-3201	77	55	.	.	PUNCT
ajis02-3201	78	1	from	from	ADP
ajis02-3201	78	2	this	this	DET
ajis02-3201	78	3	perspective	perspective	NOUN
ajis02-3201	78	4	,	,	PUNCT
ajis02-3201	78	5	non	non	ADJ
ajis02-3201	78	6	-	-	NOUN
ajis02-3201	78	7	adoption	adoption	NOUN
ajis02-3201	78	8	and	and	CCONJ
ajis02-3201	78	9	consumer	consumer	NOUN
ajis02-3201	78	10	resistance	resistance	NOUN
ajis02-3201	78	11	may	may	AUX
ajis02-3201	78	12	be	be	AUX
ajis02-3201	78	13	seen	see	VERB
ajis02-3201	78	14	as	as	ADP
ajis02-3201	78	15	similar	similar	ADJ
ajis02-3201	78	16	concepts	concept	NOUN
ajis02-3201	78	17	.	.	PUNCT
ajis02-3201	79	1	the	the	DET
ajis02-3201	79	2	three	three	NUM
ajis02-3201	79	3	terms	term	NOUN
ajis02-3201	79	4	are	be	AUX
ajis02-3201	79	5	described	describe	VERB
ajis02-3201	79	6	in	in	ADP
ajis02-3201	79	7	detail	detail	NOUN
ajis02-3201	79	8	below	below	ADV
ajis02-3201	79	9	.	.	PUNCT
ajis02-3201	80	1	postponement	postponement	NOUN
ajis02-3201	80	2	is	be	AUX
ajis02-3201	80	3	a	a	DET
ajis02-3201	80	4	milder	mild	ADJ
ajis02-3201	80	5	form	form	NOUN
ajis02-3201	80	6	of	of	ADP
ajis02-3201	80	7	non	non	ADJ
ajis02-3201	80	8	-	-	NOUN
ajis02-3201	80	9	adoption	adoption	NOUN
ajis02-3201	80	10	or	or	CCONJ
ajis02-3201	80	11	resistance	resistance	NOUN
ajis02-3201	80	12	that	that	PRON
ajis02-3201	80	13	refers	refer	VERB
ajis02-3201	80	14	to	to	ADP
ajis02-3201	80	15	a	a	DET
ajis02-3201	80	16	delay	delay	NOUN
ajis02-3201	80	17	in	in	ADP
ajis02-3201	80	18	the	the	DET
ajis02-3201	80	19	decision	decision	NOUN
ajis02-3201	80	20	to	to	PART
ajis02-3201	80	21	adopt	adopt	VERB
ajis02-3201	80	22	by	by	ADP
ajis02-3201	80	23	actively	actively	ADV
ajis02-3201	80	24	deciding	decide	VERB
ajis02-3201	80	25	to	to	PART
ajis02-3201	80	26	defer	defer	VERB
ajis02-3201	80	27	adoption	adoption	NOUN
ajis02-3201	80	28	for	for	ADP
ajis02-3201	80	29	the	the	DET
ajis02-3201	80	30	time	time	NOUN
ajis02-3201	80	31	being	be	AUX
ajis02-3201	80	32	(	(	PUNCT
ajis02-3201	80	33	cornescu	cornescu	NOUN
ajis02-3201	80	34	&	&	CCONJ
ajis02-3201	80	35	adam	adam	PROPN
ajis02-3201	80	36	,	,	PUNCT
ajis02-3201	80	37	2013	2013	NUM
ajis02-3201	80	38	;	;	PUNCT
ajis02-3201	80	39	kuisma	kuisma	PROPN
ajis02-3201	80	40	,	,	PUNCT
ajis02-3201	80	41	laukkanen	laukkanen	PROPN
ajis02-3201	80	42	,	,	PUNCT
ajis02-3201	80	43	&	&	CCONJ
ajis02-3201	80	44	hiltunen	hiltunen	PROPN
ajis02-3201	80	45	,	,	PUNCT
ajis02-3201	80	46	2007	2007	NUM
ajis02-3201	80	47	)	)	PUNCT
ajis02-3201	80	48	.	.	PUNCT
ajis02-3201	81	1	it	it	PRON
ajis02-3201	81	2	represents	represent	VERB
ajis02-3201	81	3	a	a	DET
ajis02-3201	81	4	situation	situation	NOUN
ajis02-3201	81	5	in	in	ADP
ajis02-3201	81	6	which	which	PRON
ajis02-3201	81	7	consumers	consumer	NOUN
ajis02-3201	81	8	prefer	prefer	VERB
ajis02-3201	81	9	to	to	PART
ajis02-3201	81	10	wait	wait	VERB
ajis02-3201	81	11	despite	despite	SCONJ
ajis02-3201	81	12	finding	find	VERB
ajis02-3201	81	13	the	the	DET
ajis02-3201	81	14	innovation	innovation	NOUN
ajis02-3201	81	15	acceptable	acceptable	ADJ
ajis02-3201	81	16	(	(	PUNCT
ajis02-3201	81	17	gatignon	gatignon	NOUN
ajis02-3201	81	18	&	&	CCONJ
ajis02-3201	81	19	robertson	robertson	PROPN
ajis02-3201	81	20	,	,	PUNCT
ajis02-3201	81	21	1989	1989	NUM
ajis02-3201	81	22	)	)	PUNCT
ajis02-3201	81	23	.	.	PUNCT
ajis02-3201	82	1	furthermore	furthermore	ADV
ajis02-3201	82	2	,	,	PUNCT
ajis02-3201	82	3	postponement	postponement	NOUN
ajis02-3201	82	4	is	be	AUX
ajis02-3201	82	5	largely	largely	ADV
ajis02-3201	82	6	attributable	attributable	ADJ
ajis02-3201	82	7	to	to	ADP
ajis02-3201	82	8	situational	situational	ADJ
ajis02-3201	82	9	factors	factor	NOUN
ajis02-3201	82	10	(	(	PUNCT
ajis02-3201	82	11	poon	poon	NOUN
ajis02-3201	82	12	,	,	PUNCT
ajis02-3201	82	13	2008	2008	NUM
ajis02-3201	82	14	)	)	PUNCT
ajis02-3201	82	15	.	.	PUNCT
ajis02-3201	83	1	interestingly	interestingly	ADV
ajis02-3201	83	2	,	,	PUNCT
ajis02-3201	83	3	nabih	nabih	ADJ
ajis02-3201	83	4	,	,	PUNCT
ajis02-3201	83	5	bloem	bloem	NOUN
ajis02-3201	83	6	,	,	PUNCT
ajis02-3201	83	7	and	and	CCONJ
ajis02-3201	83	8	poiesz	poiesz	PROPN
ajis02-3201	83	9	(	(	PUNCT
ajis02-3201	83	10	1997	1997	NUM
ajis02-3201	83	11	)	)	PUNCT
ajis02-3201	83	12	argued	argue	VERB
ajis02-3201	83	13	that	that	SCONJ
ajis02-3201	83	14	postponement	postponement	NOUN
ajis02-3201	83	15	offers	offer	VERB
ajis02-3201	83	16	an	an	DET
ajis02-3201	83	17	escape	escape	NOUN
ajis02-3201	83	18	route	route	NOUN
ajis02-3201	83	19	for	for	ADP
ajis02-3201	83	20	consumers	consumer	NOUN
ajis02-3201	83	21	when	when	SCONJ
ajis02-3201	83	22	faced	face	VERB
ajis02-3201	83	23	with	with	ADP
ajis02-3201	83	24	the	the	DET
ajis02-3201	83	25	dilemma	dilemma	NOUN
ajis02-3201	83	26	of	of	ADP
ajis02-3201	83	27	adopting	adopt	VERB
ajis02-3201	83	28	the	the	DET
ajis02-3201	83	29	innovation	innovation	NOUN
ajis02-3201	83	30	or	or	CCONJ
ajis02-3201	83	31	not	not	PART
ajis02-3201	83	32	.	.	PUNCT
ajis02-3201	84	1	a	a	DET
ajis02-3201	84	2	similar	similar	ADJ
ajis02-3201	84	3	view	view	NOUN
ajis02-3201	84	4	was	be	AUX
ajis02-3201	84	5	posited	posit	VERB
ajis02-3201	84	6	by	by	ADP
ajis02-3201	84	7	gurtner	gurtner	NOUN
ajis02-3201	84	8	(	(	PUNCT
ajis02-3201	84	9	2014	2014	NUM
ajis02-3201	84	10	)	)	PUNCT
ajis02-3201	84	11	,	,	PUNCT
ajis02-3201	84	12	who	who	PRON
ajis02-3201	84	13	argued	argue	VERB
ajis02-3201	84	14	that	that	SCONJ
ajis02-3201	84	15	postponement	postponement	NOUN
ajis02-3201	84	16	is	be	AUX
ajis02-3201	84	17	a	a	DET
ajis02-3201	84	18	temporary	temporary	ADJ
ajis02-3201	84	19	manifestation	manifestation	NOUN
ajis02-3201	84	20	that	that	PRON
ajis02-3201	84	21	is	be	AUX
ajis02-3201	84	22	associated	associate	VERB
ajis02-3201	84	23	with	with	ADP
ajis02-3201	84	24	a	a	DET
ajis02-3201	84	25	passive	passive	ADJ
ajis02-3201	84	26	denial	denial	NOUN
ajis02-3201	84	27	to	to	PART
ajis02-3201	84	28	immediately	immediately	ADV
ajis02-3201	84	29	accept	accept	VERB
ajis02-3201	84	30	or	or	CCONJ
ajis02-3201	84	31	reject	reject	VERB
ajis02-3201	84	32	the	the	DET
ajis02-3201	84	33	innovation	innovation	NOUN
ajis02-3201	84	34	.	.	PUNCT
ajis02-3201	85	1	opposition	opposition	NOUN
ajis02-3201	85	2	represents	represent	VERB
ajis02-3201	85	3	an	an	DET
ajis02-3201	85	4	active	active	ADJ
ajis02-3201	85	5	attack	attack	NOUN
ajis02-3201	85	6	or	or	CCONJ
ajis02-3201	85	7	protest	protest	NOUN
ajis02-3201	85	8	directed	direct	VERB
ajis02-3201	85	9	toward	toward	ADP
ajis02-3201	85	10	an	an	DET
ajis02-3201	85	11	innovation	innovation	NOUN
ajis02-3201	85	12	(	(	PUNCT
ajis02-3201	85	13	kuisma	kuisma	VERB
ajis02-3201	85	14	et	et	PROPN
ajis02-3201	85	15	al	al	PROPN
ajis02-3201	85	16	.	.	PROPN
ajis02-3201	85	17	,	,	PUNCT
ajis02-3201	85	18	2007	2007	NUM
ajis02-3201	85	19	;	;	PUNCT
ajis02-3201	85	20	kleijnen	kleijnen	PROPN
ajis02-3201	85	21	et	et	PROPN
ajis02-3201	85	22	al	al	PROPN
ajis02-3201	85	23	.	.	PROPN
ajis02-3201	85	24	,	,	PUNCT
ajis02-3201	85	25	2009	2009	NUM
ajis02-3201	85	26	)	)	PUNCT
ajis02-3201	85	27	.	.	PUNCT
ajis02-3201	86	1	scholars	scholar	NOUN
ajis02-3201	86	2	have	have	AUX
ajis02-3201	86	3	argued	argue	VERB
ajis02-3201	86	4	that	that	SCONJ
ajis02-3201	86	5	while	while	SCONJ
ajis02-3201	86	6	opposition	opposition	NOUN
ajis02-3201	86	7	is	be	AUX
ajis02-3201	86	8	a	a	DET
ajis02-3201	86	9	form	form	NOUN
ajis02-3201	86	10	of	of	ADP
ajis02-3201	86	11	rejection	rejection	NOUN
ajis02-3201	86	12	,	,	PUNCT
ajis02-3201	86	13	it	it	PRON
ajis02-3201	86	14	is	be	AUX
ajis02-3201	86	15	not	not	PART
ajis02-3201	86	16	an	an	DET
ajis02-3201	86	17	outright	outright	ADJ
ajis02-3201	86	18	one	one	NOUN
ajis02-3201	86	19	since	since	SCONJ
ajis02-3201	86	20	consumers	consumer	NOUN
ajis02-3201	86	21	may	may	AUX
ajis02-3201	86	22	be	be	AUX
ajis02-3201	86	23	willing	willing	ADJ
ajis02-3201	86	24	to	to	PART
ajis02-3201	86	25	evaluate	evaluate	VERB
ajis02-3201	86	26	the	the	DET
ajis02-3201	86	27	innovation	innovation	NOUN
ajis02-3201	86	28	further	far	ADV
ajis02-3201	86	29	or	or	CCONJ
ajis02-3201	86	30	collect	collect	VERB
ajis02-3201	86	31	more	more	ADJ
ajis02-3201	86	32	information	information	NOUN
ajis02-3201	86	33	about	about	ADP
ajis02-3201	86	34	it	it	PRON
ajis02-3201	86	35	before	before	ADP
ajis02-3201	86	36	actually	actually	ADV
ajis02-3201	86	37	rejecting	reject	VERB
ajis02-3201	86	38	it	it	PRON
ajis02-3201	86	39	(	(	PUNCT
ajis02-3201	86	40	cornescu	cornescu	NOUN
ajis02-3201	86	41	&	&	CCONJ
ajis02-3201	86	42	adam	adam	PROPN
ajis02-3201	86	43	,	,	PUNCT
ajis02-3201	86	44	2013	2013	NUM
ajis02-3201	86	45	;	;	PUNCT
ajis02-3201	87	1	hosseini	hosseini	PROPN
ajis02-3201	87	2	et	et	PROPN
ajis02-3201	87	3	al	al	PROPN
ajis02-3201	87	4	.	.	PROPN
ajis02-3201	87	5	,	,	PUNCT
ajis02-3201	87	6	2016	2016	NUM
ajis02-3201	87	7	)	)	PUNCT
ajis02-3201	87	8	.	.	PUNCT
ajis02-3201	88	1	presenting	present	VERB
ajis02-3201	88	2	a	a	DET
ajis02-3201	88	3	more	more	ADV
ajis02-3201	88	4	aggressive	aggressive	ADJ
ajis02-3201	88	5	picture	picture	NOUN
ajis02-3201	88	6	of	of	ADP
ajis02-3201	88	7	opposition	opposition	NOUN
ajis02-3201	88	8	,	,	PUNCT
ajis02-3201	88	9	gurtner	gurtner	NOUN
ajis02-3201	88	10	(	(	PUNCT
ajis02-3201	88	11	2014	2014	NUM
ajis02-3201	88	12	)	)	PUNCT
ajis02-3201	88	13	defined	define	VERB
ajis02-3201	88	14	it	it	PRON
ajis02-3201	88	15	as	as	ADP
ajis02-3201	88	16	overt	overt	ADJ
ajis02-3201	88	17	behavior	behavior	NOUN
ajis02-3201	88	18	with	with	ADP
ajis02-3201	88	19	an	an	DET
ajis02-3201	88	20	objective	objective	NOUN
ajis02-3201	88	21	to	to	PART
ajis02-3201	88	22	prevent	prevent	VERB
ajis02-3201	88	23	others	other	NOUN
ajis02-3201	88	24	from	from	ADP
ajis02-3201	88	25	accepting	accept	VERB
ajis02-3201	88	26	an	an	DET
ajis02-3201	88	27	innovation	innovation	NOUN
ajis02-3201	88	28	.	.	PUNCT
ajis02-3201	89	1	notably	notably	ADV
ajis02-3201	89	2	,	,	PUNCT
ajis02-3201	89	3	opposition	opposition	NOUN
ajis02-3201	89	4	is	be	AUX
ajis02-3201	89	5	a	a	DET
ajis02-3201	89	6	much	much	ADV
ajis02-3201	89	7	stronger	strong	ADJ
ajis02-3201	89	8	response	response	NOUN
ajis02-3201	89	9	than	than	ADP
ajis02-3201	89	10	postponement	postponement	NOUN
ajis02-3201	89	11	and	and	CCONJ
ajis02-3201	89	12	is	be	AUX
ajis02-3201	89	13	attributable	attributable	ADJ
ajis02-3201	89	14	to	to	ADP
ajis02-3201	89	15	factors	factor	NOUN
ajis02-3201	89	16	,	,	PUNCT
ajis02-3201	89	17	such	such	ADJ
ajis02-3201	89	18	as	as	ADP
ajis02-3201	89	19	habits	habit	NOUN
ajis02-3201	89	20	,	,	PUNCT
ajis02-3201	89	21	situations	situation	NOUN
ajis02-3201	89	22	,	,	PUNCT
ajis02-3201	89	23	a	a	DET
ajis02-3201	89	24	perceived	perceive	VERB
ajis02-3201	89	25	disadvantage	disadvantage	NOUN
ajis02-3201	89	26	,	,	PUNCT
ajis02-3201	89	27	or	or	CCONJ
ajis02-3201	89	28	cognitive	cognitive	ADJ
ajis02-3201	89	29	style	style	NOUN
ajis02-3201	89	30	(	(	PUNCT
ajis02-3201	89	31	kleijnen	kleijnen	NOUN
ajis02-3201	89	32	et	et	PROPN
ajis02-3201	89	33	al	al	PROPN
ajis02-3201	89	34	.	.	PROPN
ajis02-3201	89	35	,	,	PUNCT
ajis02-3201	89	36	2009	2009	NUM
ajis02-3201	89	37	;	;	PUNCT
ajis02-3201	89	38	poon	poon	NOUN
ajis02-3201	89	39	,	,	PUNCT
ajis02-3201	89	40	2008	2008	NUM
ajis02-3201	89	41	)	)	PUNCT
ajis02-3201	89	42	.	.	PUNCT
ajis02-3201	90	1	rejection	rejection	NOUN
ajis02-3201	90	2	is	be	AUX
ajis02-3201	90	3	the	the	DET
ajis02-3201	90	4	strongest	strong	ADJ
ajis02-3201	90	5	form	form	NOUN
ajis02-3201	90	6	of	of	ADP
ajis02-3201	90	7	non	non	NOUN
ajis02-3201	90	8	-	-	NOUN
ajis02-3201	90	9	adoption	adoption	NOUN
ajis02-3201	90	10	.	.	PUNCT
ajis02-3201	91	1	it	it	PRON
ajis02-3201	91	2	is	be	AUX
ajis02-3201	91	3	usually	usually	ADV
ajis02-3201	91	4	seen	see	VERB
ajis02-3201	91	5	in	in	ADP
ajis02-3201	91	6	the	the	DET
ajis02-3201	91	7	case	case	NOUN
ajis02-3201	91	8	of	of	ADP
ajis02-3201	91	9	innovations	innovation	NOUN
ajis02-3201	91	10	that	that	PRON
ajis02-3201	91	11	consumers	consumer	NOUN
ajis02-3201	91	12	feel	feel	VERB
ajis02-3201	91	13	have	have	VERB
ajis02-3201	91	14	nothing	nothing	PRON
ajis02-3201	91	15	worthwhile	worthwhile	ADJ
ajis02-3201	91	16	to	to	PART
ajis02-3201	91	17	offer	offer	VERB
ajis02-3201	91	18	,	,	PUNCT
ajis02-3201	91	19	causing	cause	VERB
ajis02-3201	91	20	a	a	DET
ajis02-3201	91	21	straightforward	straightforward	ADJ
ajis02-3201	91	22	refusal	refusal	NOUN
ajis02-3201	91	23	to	to	PART
ajis02-3201	91	24	accept	accept	VERB
ajis02-3201	91	25	them	they	PRON
ajis02-3201	91	26	(	(	PUNCT
ajis02-3201	91	27	patsiotis	patsiotis	PROPN
ajis02-3201	91	28	et	et	PROPN
ajis02-3201	91	29	al	al	PROPN
ajis02-3201	91	30	.	.	PROPN
ajis02-3201	91	31	,	,	PUNCT
ajis02-3201	91	32	2013	2013	NUM
ajis02-3201	91	33	;	;	PUNCT
ajis02-3201	91	34	talwar	talwar	PROPN
ajis02-3201	91	35	et	et	PROPN
ajis02-3201	91	36	al	al	PROPN
ajis02-3201	91	37	.	.	PROPN
ajis02-3201	91	38	,	,	PUNCT
ajis02-3201	91	39	2020a	2020a	NUM
ajis02-3201	91	40	)	)	PUNCT
ajis02-3201	91	41	.	.	PUNCT
ajis02-3201	92	1	thus	thus	ADV
ajis02-3201	92	2	,	,	PUNCT
ajis02-3201	92	3	rejection	rejection	NOUN
ajis02-3201	92	4	implies	imply	VERB
ajis02-3201	92	5	the	the	DET
ajis02-3201	92	6	outright	outright	ADJ
ajis02-3201	92	7	,	,	PUNCT
ajis02-3201	92	8	direct	direct	ADJ
ajis02-3201	92	9	,	,	PUNCT
ajis02-3201	92	10	and	and	CCONJ
ajis02-3201	92	11	active	active	ADJ
ajis02-3201	92	12	non	non	ADJ
ajis02-3201	92	13	-	-	NOUN
ajis02-3201	92	14	adoption	adoption	NOUN
ajis02-3201	92	15	of	of	ADP
ajis02-3201	92	16	an	an	DET
ajis02-3201	92	17	innovative	innovative	ADJ
ajis02-3201	92	18	offering	offering	NOUN
ajis02-3201	92	19	(	(	PUNCT
ajis02-3201	92	20	cornescu	cornescu	NOUN
ajis02-3201	92	21	&	&	CCONJ
ajis02-3201	92	22	adam	adam	PROPN
ajis02-3201	92	23	,	,	PUNCT
ajis02-3201	92	24	2013	2013	NUM
ajis02-3201	92	25	;	;	PUNCT
ajis02-3201	92	26	kleijnen	kleijnen	PROPN
ajis02-3201	92	27	et	et	PROPN
ajis02-3201	92	28	al	al	PROPN
ajis02-3201	92	29	.	.	PROPN
ajis02-3201	92	30	2009	2009	NUM
ajis02-3201	92	31	;	;	PUNCT
ajis02-3201	92	32	lian	lian	PROPN
ajis02-3201	92	33	&	&	CCONJ
ajis02-3201	92	34	yen	yen	NOUN
ajis02-3201	92	35	,	,	PUNCT
ajis02-3201	92	36	2013	2013	NUM
ajis02-3201	92	37	)	)	PUNCT
ajis02-3201	92	38	.	.	PUNCT
ajis02-3201	93	1	the	the	DET
ajis02-3201	93	2	possible	possible	ADJ
ajis02-3201	93	3	reasons	reason	NOUN
ajis02-3201	93	4	behind	behind	ADP
ajis02-3201	93	5	rejection	rejection	NOUN
ajis02-3201	93	6	could	could	AUX
ajis02-3201	93	7	be	be	AUX
ajis02-3201	93	8	the	the	DET
ajis02-3201	93	9	complexity	complexity	NOUN
ajis02-3201	93	10	,	,	PUNCT
ajis02-3201	93	11	riskiness	riskiness	NOUN
ajis02-3201	93	12	,	,	PUNCT
ajis02-3201	93	13	or	or	CCONJ
ajis02-3201	93	14	lack	lack	NOUN
ajis02-3201	93	15	of	of	ADP
ajis02-3201	93	16	value	value	NOUN
ajis02-3201	93	17	offered	offer	VERB
ajis02-3201	93	18	by	by	ADP
ajis02-3201	93	19	the	the	DET
ajis02-3201	93	20	innovation	innovation	NOUN
ajis02-3201	93	21	(	(	PUNCT
ajis02-3201	93	22	szmigin	szmigin	NOUN
ajis02-3201	93	23	&	&	CCONJ
ajis02-3201	93	24	foxall	foxall	NOUN
ajis02-3201	93	25	,	,	PUNCT
ajis02-3201	93	26	1998	1998	NUM
ajis02-3201	93	27	)	)	PUNCT
ajis02-3201	93	28	,	,	PUNCT
ajis02-3201	93	29	or	or	CCONJ
ajis02-3201	93	30	else	else	ADV
ajis02-3201	93	31	the	the	DET
ajis02-3201	93	32	consumer	consumer	NOUN
ajis02-3201	93	33	's	's	PART
ajis02-3201	93	34	perception	perception	NOUN
ajis02-3201	93	35	that	that	SCONJ
ajis02-3201	93	36	it	it	PRON
ajis02-3201	93	37	is	be	AUX
ajis02-3201	93	38	not	not	PART
ajis02-3201	93	39	appropriate	appropriate	ADJ
ajis02-3201	93	40	for	for	ADP
ajis02-3201	93	41	them	they	PRON
ajis02-3201	93	42	,	,	PUNCT
ajis02-3201	93	43	based	base	VERB
ajis02-3201	93	44	on	on	ADP
ajis02-3201	93	45	the	the	DET
ajis02-3201	93	46	existing	exist	VERB
ajis02-3201	93	47	information	information	NOUN
ajis02-3201	93	48	(	(	PUNCT
ajis02-3201	93	49	szmigin	szmigin	NOUN
ajis02-3201	93	50	&	&	CCONJ
ajis02-3201	93	51	foxall	foxall	NOUN
ajis02-3201	93	52	,	,	PUNCT
ajis02-3201	93	53	1998	1998	NUM
ajis02-3201	93	54	)	)	PUNCT
ajis02-3201	93	55	.	.	PUNCT
ajis02-3201	94	1	rejection	rejection	NOUN
ajis02-3201	94	2	may	may	AUX
ajis02-3201	94	3	also	also	ADV
ajis02-3201	94	4	occur	occur	VERB
ajis02-3201	94	5	due	due	ADP
ajis02-3201	94	6	to	to	ADP
ajis02-3201	94	7	inertia	inertia	NOUN
ajis02-3201	94	8	on	on	ADP
ajis02-3201	94	9	the	the	DET
ajis02-3201	94	10	part	part	NOUN
ajis02-3201	94	11	of	of	ADP
ajis02-3201	94	12	consumers	consumer	NOUN
ajis02-3201	94	13	(	(	PUNCT
ajis02-3201	94	14	ganiere	ganiere	NOUN
ajis02-3201	94	15	,	,	PUNCT
ajis02-3201	94	16	chern	chern	PROPN
ajis02-3201	94	17	,	,	PUNCT
ajis02-3201	94	18	hahn	hahn	NOUN
ajis02-3201	94	19	,	,	PUNCT
ajis02-3201	94	20	&	&	CCONJ
ajis02-3201	94	21	chiang	chiang	PROPN
ajis02-3201	94	22	,	,	PUNCT
ajis02-3201	94	23	2004	2004	NUM
ajis02-3201	94	24	)	)	PUNCT
ajis02-3201	94	25	,	,	PUNCT
ajis02-3201	94	26	their	their	PRON
ajis02-3201	94	27	conservatism	conservatism	NOUN
ajis02-3201	94	28	(	(	PUNCT
ajis02-3201	94	29	hirschheim	hirschheim	PROPN
ajis02-3201	94	30	&	&	CCONJ
ajis02-3201	94	31	newman	newman	PROPN
ajis02-3201	94	32	,	,	PUNCT
ajis02-3201	94	33	1988	1988	NUM
ajis02-3201	94	34	)	)	PUNCT
ajis02-3201	94	35	,	,	PUNCT
ajis02-3201	94	36	or	or	CCONJ
ajis02-3201	94	37	their	their	PRON
ajis02-3201	94	38	tendency	tendency	NOUN
ajis02-3201	94	39	to	to	PART
ajis02-3201	94	40	adhere	adhere	VERB
ajis02-3201	94	41	to	to	ADP
ajis02-3201	94	42	the	the	DET
ajis02-3201	94	43	status	status	NOUN
ajis02-3201	94	44	quo	quo	NOUN
ajis02-3201	94	45	(	(	PUNCT
ajis02-3201	94	46	woodside	woodside	PROPN
ajis02-3201	94	47	&	&	CCONJ
ajis02-3201	94	48	biemans	bieman	NOUN
ajis02-3201	94	49	,	,	PUNCT
ajis02-3201	94	50	2005	2005	NUM
ajis02-3201	94	51	)	)	PUNCT
ajis02-3201	94	52	.	.	PUNCT
ajis02-3201	95	1	furthermore	furthermore	ADV
ajis02-3201	95	2	,	,	PUNCT
ajis02-3201	95	3	rejection	rejection	NOUN
ajis02-3201	95	4	can	can	AUX
ajis02-3201	95	5	be	be	AUX
ajis02-3201	95	6	passive	passive	ADJ
ajis02-3201	95	7	or	or	CCONJ
ajis02-3201	95	8	active	active	ADJ
ajis02-3201	95	9	,	,	PUNCT
ajis02-3201	95	10	with	with	ADP
ajis02-3201	95	11	passive	passive	ADJ
ajis02-3201	95	12	rejection	rejection	NOUN
ajis02-3201	95	13	being	be	AUX
ajis02-3201	95	14	a	a	DET
ajis02-3201	95	15	situation	situation	NOUN
ajis02-3201	95	16	where	where	SCONJ
ajis02-3201	95	17	the	the	DET
ajis02-3201	95	18	innovation	innovation	NOUN
ajis02-3201	95	19	is	be	AUX
ajis02-3201	95	20	not	not	PART
ajis02-3201	95	21	even	even	ADV
ajis02-3201	95	22	considered	consider	VERB
ajis02-3201	95	23	,	,	PUNCT
ajis02-3201	95	24	and	and	CCONJ
ajis02-3201	95	25	active	active	ADJ
ajis02-3201	95	26	rejection	rejection	NOUN
ajis02-3201	95	27	implying	imply	VERB
ajis02-3201	95	28	a	a	DET
ajis02-3201	95	29	situation	situation	NOUN
ajis02-3201	95	30	where	where	SCONJ
ajis02-3201	95	31	it	it	PRON
ajis02-3201	95	32	is	be	AUX
ajis02-3201	95	33	considered	consider	VERB
ajis02-3201	95	34	but	but	CCONJ
ajis02-3201	95	35	ultimately	ultimately	ADV
ajis02-3201	95	36	rejected	reject	VERB
ajis02-3201	95	37	(	(	PUNCT
ajis02-3201	95	38	pousttchi	pousttchi	PROPN
ajis02-3201	95	39	&	&	CCONJ
ajis02-3201	95	40	schurig	schurig	NOUN
ajis02-3201	95	41	,	,	PUNCT
ajis02-3201	95	42	2004	2004	NUM
ajis02-3201	95	43	)	)	PUNCT
ajis02-3201	95	44	.	.	PUNCT
ajis02-3201	96	1	adding	add	VERB
ajis02-3201	96	2	one	one	NUM
ajis02-3201	96	3	more	more	ADJ
ajis02-3201	96	4	perspective	perspective	NOUN
ajis02-3201	96	5	,	,	PUNCT
ajis02-3201	96	6	kuisma	kuisma	VERB
ajis02-3201	96	7	et	et	PROPN
ajis02-3201	96	8	al	al	PROPN
ajis02-3201	96	9	.	.	PROPN
ajis02-3201	97	1	(	(	PUNCT
ajis02-3201	97	2	2007	2007	NUM
ajis02-3201	97	3	)	)	PUNCT
ajis02-3201	97	4	argued	argue	VERB
ajis02-3201	97	5	that	that	SCONJ
ajis02-3201	97	6	opposition	opposition	NOUN
ajis02-3201	97	7	could	could	AUX
ajis02-3201	97	8	transform	transform	VERB
ajis02-3201	97	9	into	into	ADP
ajis02-3201	97	10	rejection	rejection	NOUN
ajis02-3201	97	11	or	or	CCONJ
ajis02-3201	97	12	adoption	adoption	NOUN
ajis02-3201	97	13	over	over	ADP
ajis02-3201	97	14	time	time	NOUN
ajis02-3201	97	15	.	.	PUNCT
ajis02-3201	98	1	similarly	similarly	ADV
ajis02-3201	98	2	,	,	PUNCT
ajis02-3201	98	3	cornescu	cornescu	NOUN
ajis02-3201	98	4	and	and	CCONJ
ajis02-3201	98	5	adam	adam	PROPN
ajis02-3201	98	6	(	(	PUNCT
ajis02-3201	98	7	2013	2013	NUM
ajis02-3201	98	8	)	)	PUNCT
ajis02-3201	98	9	posited	posit	VERB
ajis02-3201	98	10	that	that	SCONJ
ajis02-3201	98	11	postponement	postponement	NOUN
ajis02-3201	98	12	could	could	AUX
ajis02-3201	98	13	also	also	ADV
ajis02-3201	98	14	turn	turn	VERB
ajis02-3201	98	15	into	into	ADP
ajis02-3201	98	16	adoption	adoption	NOUN
ajis02-3201	98	17	or	or	CCONJ
ajis02-3201	98	18	rejection	rejection	NOUN
ajis02-3201	98	19	eventually	eventually	ADV
ajis02-3201	98	20	.	.	PUNCT
ajis02-3201	99	1	australasian	australasian	ADJ
ajis02-3201	99	2	journal	journal	NOUN
ajis02-3201	99	3	of	of	ADP
ajis02-3201	99	4	information	information	NOUN
ajis02-3201	99	5	systems	system	NOUN
ajis02-3201	99	6	talwar	talwar	PROPN
ajis02-3201	99	7	et	et	PROPN
ajis02-3201	99	8	al	al	PROPN
ajis02-3201	99	9	.	.	PROPN
ajis02-3201	99	10	2021	2021	NUM
ajis02-3201	99	11	,	,	PUNCT
ajis02-3201	99	12	vol	vol	NOUN
ajis02-3201	99	13	25	25	NUM
ajis02-3201	99	14	,	,	PUNCT
ajis02-3201	99	15	research	research	NOUN
ajis02-3201	99	16	on	on	ADP
ajis02-3201	99	17	evaluation	evaluation	NOUN
ajis02-3201	99	18	a	a	DET
ajis02-3201	99	19	study	study	NOUN
ajis02-3201	99	20	of	of	ADP
ajis02-3201	99	21	mobile	mobile	ADJ
ajis02-3201	99	22	payment	payment	NOUN
ajis02-3201	99	23	innovations	innovation	NOUN
ajis02-3201	99	24	of	of	ADP
ajis02-3201	99	25	mobile	mobile	ADJ
ajis02-3201	99	26	applications	application	NOUN
ajis02-3201	99	27	7	7	NUM
ajis02-3201	99	28	2.2.2	2.2.2	NUM
ajis02-3201	99	29	resistance	resistance	NOUN
ajis02-3201	99	30	as	as	ADP
ajis02-3201	99	31	a	a	DET
ajis02-3201	99	32	subset	subset	NOUN
ajis02-3201	99	33	of	of	ADP
ajis02-3201	99	34	non	non	ADJ
ajis02-3201	99	35	-	-	NOUN
ajis02-3201	99	36	adoption	adoption	NOUN
ajis02-3201	99	37	presenting	present	VERB
ajis02-3201	99	38	a	a	DET
ajis02-3201	99	39	different	different	ADJ
ajis02-3201	99	40	view	view	NOUN
ajis02-3201	99	41	from	from	ADP
ajis02-3201	99	42	the	the	DET
ajis02-3201	99	43	one	one	NUM
ajis02-3201	99	44	discussed	discuss	VERB
ajis02-3201	99	45	above	above	ADV
ajis02-3201	99	46	,	,	PUNCT
ajis02-3201	99	47	chen	chen	PROPN
ajis02-3201	99	48	et	et	PROPN
ajis02-3201	99	49	al	al	PROPN
ajis02-3201	99	50	.	.	PROPN
ajis02-3201	100	1	(	(	PUNCT
ajis02-3201	100	2	2019	2019	NUM
ajis02-3201	100	3	)	)	PUNCT
ajis02-3201	100	4	distinguished	distinguish	VERB
ajis02-3201	100	5	between	between	ADP
ajis02-3201	100	6	non	non	ADJ
ajis02-3201	100	7	-	-	NOUN
ajis02-3201	100	8	adoption	adoption	NOUN
ajis02-3201	100	9	and	and	CCONJ
ajis02-3201	100	10	resistance	resistance	NOUN
ajis02-3201	100	11	.	.	PUNCT
ajis02-3201	101	1	in	in	ADP
ajis02-3201	101	2	this	this	DET
ajis02-3201	101	3	context	context	NOUN
ajis02-3201	101	4	,	,	PUNCT
ajis02-3201	101	5	non	non	NOUN
ajis02-3201	101	6	-	-	NOUN
ajis02-3201	101	7	adopters	adopter	NOUN
ajis02-3201	101	8	may	may	AUX
ajis02-3201	101	9	be	be	AUX
ajis02-3201	101	10	seen	see	VERB
ajis02-3201	101	11	as	as	ADP
ajis02-3201	101	12	consumers	consumer	NOUN
ajis02-3201	101	13	who	who	PRON
ajis02-3201	101	14	do	do	AUX
ajis02-3201	101	15	not	not	PART
ajis02-3201	101	16	adopt	adopt	VERB
ajis02-3201	101	17	an	an	DET
ajis02-3201	101	18	innovation	innovation	NOUN
ajis02-3201	101	19	offered	offer	VERB
ajis02-3201	101	20	in	in	ADP
ajis02-3201	101	21	the	the	DET
ajis02-3201	101	22	market	market	NOUN
ajis02-3201	101	23	(	(	PUNCT
ajis02-3201	101	24	dickerson	dickerson	PROPN
ajis02-3201	101	25	&	&	CCONJ
ajis02-3201	101	26	gentry	gentry	NOUN
ajis02-3201	101	27	,	,	PUNCT
ajis02-3201	101	28	1983	1983	NUM
ajis02-3201	101	29	)	)	PUNCT
ajis02-3201	101	30	,	,	PUNCT
ajis02-3201	101	31	and	and	CCONJ
ajis02-3201	101	32	resistors	resistor	NOUN
ajis02-3201	101	33	may	may	AUX
ajis02-3201	101	34	be	be	AUX
ajis02-3201	101	35	seen	see	VERB
ajis02-3201	101	36	as	as	ADP
ajis02-3201	101	37	postponers	postponer	NOUN
ajis02-3201	101	38	who	who	PRON
ajis02-3201	101	39	may	may	AUX
ajis02-3201	101	40	be	be	AUX
ajis02-3201	101	41	delaying	delay	VERB
ajis02-3201	101	42	the	the	DET
ajis02-3201	101	43	decision	decision	NOUN
ajis02-3201	101	44	until	until	ADP
ajis02-3201	101	45	a	a	DET
ajis02-3201	101	46	more	more	ADV
ajis02-3201	101	47	suitable	suitable	ADJ
ajis02-3201	101	48	time	time	NOUN
ajis02-3201	101	49	(	(	PUNCT
ajis02-3201	101	50	laukkanen	laukkanen	NOUN
ajis02-3201	101	51	et	et	PROPN
ajis02-3201	101	52	al	al	PROPN
ajis02-3201	101	53	.	.	PROPN
ajis02-3201	101	54	,	,	PUNCT
ajis02-3201	101	55	2008	2008	NUM
ajis02-3201	101	56	)	)	PUNCT
ajis02-3201	101	57	.	.	PUNCT
ajis02-3201	102	1	in	in	ADP
ajis02-3201	102	2	addition	addition	NOUN
ajis02-3201	102	3	,	,	PUNCT
ajis02-3201	102	4	resistors	resistor	NOUN
ajis02-3201	102	5	could	could	AUX
ajis02-3201	102	6	also	also	ADV
ajis02-3201	102	7	be	be	AUX
ajis02-3201	102	8	opponents	opponent	NOUN
ajis02-3201	102	9	with	with	ADP
ajis02-3201	102	10	a	a	DET
ajis02-3201	102	11	negative	negative	ADJ
ajis02-3201	102	12	attitude	attitude	NOUN
ajis02-3201	102	13	toward	toward	ADP
ajis02-3201	102	14	the	the	DET
ajis02-3201	102	15	offered	offer	VERB
ajis02-3201	102	16	innovation	innovation	NOUN
ajis02-3201	102	17	(	(	PUNCT
ajis02-3201	102	18	kleijnen	kleijnen	NOUN
ajis02-3201	102	19	et	et	PROPN
ajis02-3201	102	20	al	al	PROPN
ajis02-3201	102	21	.	.	PROPN
ajis02-3201	102	22	,	,	PUNCT
ajis02-3201	102	23	2009	2009	NUM
ajis02-3201	102	24	)	)	PUNCT
ajis02-3201	102	25	or	or	CCONJ
ajis02-3201	102	26	rejecters	rejecter	NOUN
ajis02-3201	102	27	who	who	PRON
ajis02-3201	102	28	have	have	AUX
ajis02-3201	102	29	made	make	VERB
ajis02-3201	102	30	a	a	DET
ajis02-3201	102	31	decision	decision	NOUN
ajis02-3201	102	32	not	not	PART
ajis02-3201	102	33	to	to	PART
ajis02-3201	102	34	adopt	adopt	VERB
ajis02-3201	102	35	the	the	DET
ajis02-3201	102	36	innovation	innovation	NOUN
ajis02-3201	102	37	(	(	PUNCT
ajis02-3201	102	38	laukkanen	laukkanen	NOUN
ajis02-3201	102	39	et	et	PROPN
ajis02-3201	102	40	al	al	PROPN
ajis02-3201	102	41	.	.	PROPN
ajis02-3201	102	42	,	,	PUNCT
ajis02-3201	102	43	2008	2008	NUM
ajis02-3201	102	44	)	)	PUNCT
ajis02-3201	102	45	.	.	PUNCT
ajis02-3201	103	1	patsiotis	patsiotis	PROPN
ajis02-3201	103	2	et	et	PROPN
ajis02-3201	103	3	al	al	PROPN
ajis02-3201	103	4	.	.	PROPN
ajis02-3201	104	1	(	(	PUNCT
ajis02-3201	104	2	2013	2013	NUM
ajis02-3201	104	3	)	)	PUNCT
ajis02-3201	104	4	also	also	ADV
ajis02-3201	104	5	endorsed	endorse	VERB
ajis02-3201	104	6	the	the	DET
ajis02-3201	104	7	view	view	NOUN
ajis02-3201	104	8	that	that	SCONJ
ajis02-3201	104	9	non	non	NOUN
ajis02-3201	104	10	-	-	NOUN
ajis02-3201	104	11	adoption	adoption	NOUN
ajis02-3201	104	12	is	be	AUX
ajis02-3201	104	13	different	different	ADJ
ajis02-3201	104	14	from	from	ADP
ajis02-3201	104	15	resistance	resistance	NOUN
ajis02-3201	104	16	,	,	PUNCT
ajis02-3201	104	17	arguing	argue	VERB
ajis02-3201	104	18	that	that	SCONJ
ajis02-3201	104	19	while	while	SCONJ
ajis02-3201	104	20	the	the	DET
ajis02-3201	104	21	nonadoption	nonadoption	NOUN
ajis02-3201	104	22	of	of	ADP
ajis02-3201	104	23	an	an	DET
ajis02-3201	104	24	innovation	innovation	NOUN
ajis02-3201	104	25	may	may	AUX
ajis02-3201	104	26	be	be	AUX
ajis02-3201	104	27	attributable	attributable	ADJ
ajis02-3201	104	28	to	to	ADP
ajis02-3201	104	29	a	a	DET
ajis02-3201	104	30	high	high	ADJ
ajis02-3201	104	31	degree	degree	NOUN
ajis02-3201	104	32	of	of	ADP
ajis02-3201	104	33	resistance	resistance	NOUN
ajis02-3201	104	34	,	,	PUNCT
ajis02-3201	104	35	there	there	PRON
ajis02-3201	104	36	are	be	VERB
ajis02-3201	104	37	other	other	ADJ
ajis02-3201	104	38	factors	factor	NOUN
ajis02-3201	104	39	that	that	PRON
ajis02-3201	104	40	may	may	AUX
ajis02-3201	104	41	lead	lead	VERB
ajis02-3201	104	42	to	to	ADP
ajis02-3201	104	43	this	this	DET
ajis02-3201	104	44	outcome	outcome	NOUN
ajis02-3201	104	45	.	.	PUNCT
ajis02-3201	105	1	such	such	ADJ
ajis02-3201	105	2	factors	factor	NOUN
ajis02-3201	105	3	could	could	AUX
ajis02-3201	105	4	include	include	VERB
ajis02-3201	105	5	a	a	DET
ajis02-3201	105	6	lack	lack	NOUN
ajis02-3201	105	7	of	of	ADP
ajis02-3201	105	8	need	need	NOUN
ajis02-3201	105	9	,	,	PUNCT
ajis02-3201	105	10	low	low	ADJ
ajis02-3201	105	11	awareness	awareness	NOUN
ajis02-3201	105	12	,	,	PUNCT
ajis02-3201	105	13	or	or	CCONJ
ajis02-3201	105	14	inertia	inertia	NOUN
ajis02-3201	105	15	(	(	PUNCT
ajis02-3201	105	16	suzuki	suzuki	PROPN
ajis02-3201	105	17	&	&	CCONJ
ajis02-3201	105	18	williams	williams	PROPN
ajis02-3201	105	19	,	,	PUNCT
ajis02-3201	105	20	1998	1998	NUM
ajis02-3201	105	21	;	;	PUNCT
ajis02-3201	105	22	patsiotis	patsiotis	PROPN
ajis02-3201	105	23	et	et	PROPN
ajis02-3201	105	24	al	al	PROPN
ajis02-3201	105	25	.	.	PROPN
ajis02-3201	105	26	,	,	PUNCT
ajis02-3201	105	27	2013	2013	NUM
ajis02-3201	105	28	)	)	PUNCT
ajis02-3201	105	29	.	.	PUNCT
ajis02-3201	106	1	in	in	ADP
ajis02-3201	106	2	fact	fact	NOUN
ajis02-3201	106	3	,	,	PUNCT
ajis02-3201	106	4	resistance	resistance	NOUN
ajis02-3201	106	5	may	may	AUX
ajis02-3201	106	6	be	be	AUX
ajis02-3201	106	7	best	well	ADV
ajis02-3201	106	8	looked	look	VERB
ajis02-3201	106	9	at	at	ADP
ajis02-3201	106	10	as	as	ADP
ajis02-3201	106	11	a	a	DET
ajis02-3201	106	12	subset	subset	NOUN
ajis02-3201	106	13	of	of	ADP
ajis02-3201	106	14	non	non	ADJ
ajis02-3201	106	15	-	-	NOUN
ajis02-3201	106	16	adoption	adoption	ADJ
ajis02-3201	106	17	(	(	PUNCT
ajis02-3201	106	18	patsiotis	patsiotis	NOUN
ajis02-3201	106	19	et	et	PROPN
ajis02-3201	106	20	al	al	PROPN
ajis02-3201	106	21	.	.	PROPN
ajis02-3201	106	22	,	,	PUNCT
ajis02-3201	106	23	2013	2013	NUM
ajis02-3201	106	24	)	)	PUNCT
ajis02-3201	106	25	.	.	PUNCT
ajis02-3201	107	1	2.2.3	2.2.3	NUM
ajis02-3201	107	2	mapping	map	VERB
ajis02-3201	107	3	non	non	ADJ
ajis02-3201	107	4	-	-	NOUN
ajis02-3201	107	5	adoption	adoption	NOUN
ajis02-3201	107	6	and	and	CCONJ
ajis02-3201	107	7	resistance	resistance	NOUN
ajis02-3201	107	8	to	to	ADP
ajis02-3201	107	9	the	the	DET
ajis02-3201	107	10	present	present	ADJ
ajis02-3201	107	11	context	context	NOUN
ajis02-3201	107	12	the	the	DET
ajis02-3201	107	13	preceding	precede	VERB
ajis02-3201	107	14	discussion	discussion	NOUN
ajis02-3201	107	15	provides	provide	VERB
ajis02-3201	107	16	the	the	DET
ajis02-3201	107	17	basis	basis	NOUN
ajis02-3201	107	18	for	for	ADP
ajis02-3201	107	19	considering	consider	VERB
ajis02-3201	107	20	non	non	ADJ
ajis02-3201	107	21	-	-	NOUN
ajis02-3201	107	22	adoption	adoption	NOUN
ajis02-3201	107	23	and	and	CCONJ
ajis02-3201	107	24	resistance	resistance	NOUN
ajis02-3201	107	25	as	as	ADP
ajis02-3201	107	26	identical	identical	ADJ
ajis02-3201	107	27	concepts	concept	NOUN
ajis02-3201	107	28	,	,	PUNCT
ajis02-3201	107	29	which	which	PRON
ajis02-3201	107	30	manifest	manifest	VERB
ajis02-3201	107	31	toward	toward	ADP
ajis02-3201	107	32	m	m	NOUN
ajis02-3201	107	33	-	-	NOUN
ajis02-3201	107	34	payments	payment	NOUN
ajis02-3201	107	35	in	in	ADP
ajis02-3201	107	36	three	three	NUM
ajis02-3201	107	37	levels	level	NOUN
ajis02-3201	107	38	,	,	PUNCT
ajis02-3201	107	39	namely	namely	ADV
ajis02-3201	107	40	postponement	postponement	NOUN
ajis02-3201	107	41	,	,	PUNCT
ajis02-3201	107	42	opposition	opposition	NOUN
ajis02-3201	107	43	,	,	PUNCT
ajis02-3201	107	44	and	and	CCONJ
ajis02-3201	107	45	rejection	rejection	NOUN
ajis02-3201	107	46	.	.	PUNCT
ajis02-3201	108	1	in	in	ADP
ajis02-3201	108	2	consonance	consonance	NOUN
ajis02-3201	108	3	with	with	ADP
ajis02-3201	108	4	kleijnen	kleijnen	PROPN
ajis02-3201	108	5	et	et	PROPN
ajis02-3201	108	6	al	al	PROPN
ajis02-3201	108	7	.	.	PROPN
ajis02-3201	108	8	(	(	PUNCT
ajis02-3201	108	9	2009	2009	NUM
ajis02-3201	108	10	)	)	PUNCT
ajis02-3201	108	11	,	,	PUNCT
ajis02-3201	108	12	we	we	PRON
ajis02-3201	108	13	interpret	interpret	VERB
ajis02-3201	108	14	postponement	postponement	NOUN
ajis02-3201	108	15	as	as	ADP
ajis02-3201	108	16	the	the	DET
ajis02-3201	108	17	decision	decision	NOUN
ajis02-3201	108	18	of	of	ADP
ajis02-3201	108	19	the	the	DET
ajis02-3201	108	20	consumers	consumer	NOUN
ajis02-3201	108	21	to	to	PART
ajis02-3201	108	22	wait	wait	VERB
ajis02-3201	108	23	to	to	PART
ajis02-3201	108	24	adopt	adopt	VERB
ajis02-3201	108	25	any	any	DET
ajis02-3201	108	26	innovation	innovation	NOUN
ajis02-3201	108	27	,	,	PUNCT
ajis02-3201	108	28	opposition	opposition	NOUN
ajis02-3201	108	29	as	as	ADP
ajis02-3201	108	30	the	the	DET
ajis02-3201	108	31	aggressive	aggressive	ADJ
ajis02-3201	108	32	objection	objection	NOUN
ajis02-3201	108	33	of	of	ADP
ajis02-3201	108	34	it	it	PRON
ajis02-3201	108	35	,	,	PUNCT
ajis02-3201	108	36	and	and	CCONJ
ajis02-3201	108	37	rejection	rejection	NOUN
ajis02-3201	108	38	as	as	ADP
ajis02-3201	108	39	the	the	DET
ajis02-3201	108	40	outright	outright	ADJ
ajis02-3201	108	41	refusal	refusal	NOUN
ajis02-3201	108	42	to	to	PART
ajis02-3201	108	43	accept	accept	VERB
ajis02-3201	108	44	it	it	PRON
ajis02-3201	108	45	based	base	VERB
ajis02-3201	108	46	on	on	ADP
ajis02-3201	108	47	their	their	PRON
ajis02-3201	108	48	cognitive	cognitive	ADJ
ajis02-3201	108	49	evaluation	evaluation	NOUN
ajis02-3201	108	50	of	of	ADP
ajis02-3201	108	51	it	it	PRON
ajis02-3201	108	52	.	.	PUNCT
ajis02-3201	109	1	drawing	draw	VERB
ajis02-3201	109	2	on	on	ADP
ajis02-3201	109	3	the	the	DET
ajis02-3201	109	4	study	study	NOUN
ajis02-3201	109	5	by	by	ADP
ajis02-3201	109	6	mohtar	mohtar	NOUN
ajis02-3201	109	7	and	and	CCONJ
ajis02-3201	109	8	abbas	abbas	PROPN
ajis02-3201	109	9	(	(	PUNCT
ajis02-3201	109	10	2015	2015	NUM
ajis02-3201	109	11	)	)	PUNCT
ajis02-3201	109	12	,	,	PUNCT
ajis02-3201	109	13	we	we	PRON
ajis02-3201	109	14	further	far	ADV
ajis02-3201	109	15	consider	consider	VERB
ajis02-3201	109	16	postponement	postponement	NOUN
ajis02-3201	109	17	,	,	PUNCT
ajis02-3201	109	18	opposition	opposition	NOUN
ajis02-3201	109	19	,	,	PUNCT
ajis02-3201	109	20	and	and	CCONJ
ajis02-3201	109	21	rejection	rejection	NOUN
ajis02-3201	109	22	as	as	ADP
ajis02-3201	109	23	three	three	NUM
ajis02-3201	109	24	forms	form	NOUN
ajis02-3201	109	25	of	of	ADP
ajis02-3201	109	26	active	active	ADJ
ajis02-3201	109	27	resistance	resistance	NOUN
ajis02-3201	109	28	.	.	PUNCT
ajis02-3201	110	1	to	to	PART
ajis02-3201	110	2	better	well	ADV
ajis02-3201	110	3	explicate	explicate	VERB
ajis02-3201	110	4	the	the	DET
ajis02-3201	110	5	three	three	NUM
ajis02-3201	110	6	levels	level	NOUN
ajis02-3201	110	7	,	,	PUNCT
ajis02-3201	110	8	we	we	PRON
ajis02-3201	110	9	use	use	VERB
ajis02-3201	110	10	the	the	DET
ajis02-3201	110	11	five	five	NUM
ajis02-3201	110	12	classic	classic	ADJ
ajis02-3201	110	13	irt	irt	NOUN
ajis02-3201	110	14	barriers	barrier	NOUN
ajis02-3201	110	15	as	as	ADP
ajis02-3201	110	16	antecedents	antecedent	NOUN
ajis02-3201	110	17	of	of	ADP
ajis02-3201	110	18	these	these	DET
ajis02-3201	110	19	manifestations	manifestation	NOUN
ajis02-3201	110	20	toward	toward	ADP
ajis02-3201	110	21	m	m	NOUN
ajis02-3201	110	22	-	-	PUNCT
ajis02-3201	110	23	payment	payment	NOUN
ajis02-3201	110	24	usage	usage	NOUN
ajis02-3201	110	25	during	during	ADP
ajis02-3201	110	26	the	the	DET
ajis02-3201	110	27	pandemic	pandemic	ADJ
ajis02-3201	110	28	.	.	PUNCT
ajis02-3201	111	1	figure	figure	NOUN
ajis02-3201	111	2	1	1	NUM
ajis02-3201	111	3	.	.	PUNCT
ajis02-3201	112	1	non	non	ADJ
ajis02-3201	112	2	-	-	NOUN
ajis02-3201	112	3	adoption	adoption	NOUN
ajis02-3201	112	4	versus	versus	ADP
ajis02-3201	112	5	adoption	adoption	NOUN
ajis02-3201	112	6	(	(	PUNCT
ajis02-3201	112	7	naa	naa	NOUN
ajis02-3201	112	8	)	)	PUNCT
ajis02-3201	112	9	framework	framework	NOUN
ajis02-3201	112	10	since	since	SCONJ
ajis02-3201	112	11	the	the	DET
ajis02-3201	112	12	research	research	NOUN
ajis02-3201	112	13	on	on	ADP
ajis02-3201	112	14	the	the	DET
ajis02-3201	112	15	influence	influence	NOUN
ajis02-3201	112	16	of	of	ADP
ajis02-3201	112	17	barriers	barrier	NOUN
ajis02-3201	112	18	on	on	ADP
ajis02-3201	112	19	the	the	DET
ajis02-3201	112	20	three	three	NUM
ajis02-3201	112	21	levels	level	NOUN
ajis02-3201	112	22	of	of	ADP
ajis02-3201	112	23	resistance	resistance	NOUN
ajis02-3201	112	24	/	/	SYM
ajis02-3201	112	25	non	non	NOUN
ajis02-3201	112	26	-	-	NOUN
ajis02-3201	112	27	adoption	adoption	NOUN
ajis02-3201	112	28	is	be	AUX
ajis02-3201	112	29	still	still	ADV
ajis02-3201	112	30	in	in	ADP
ajis02-3201	112	31	its	its	PRON
ajis02-3201	112	32	nascent	nascent	ADJ
ajis02-3201	112	33	stages	stage	NOUN
ajis02-3201	112	34	,	,	PUNCT
ajis02-3201	112	35	we	we	PRON
ajis02-3201	112	36	propose	propose	VERB
ajis02-3201	112	37	a	a	DET
ajis02-3201	112	38	transition	transition	NOUN
ajis02-3201	112	39	framework	framework	NOUN
ajis02-3201	112	40	,	,	PUNCT
ajis02-3201	112	41	titled	title	VERB
ajis02-3201	112	42	the	the	DET
ajis02-3201	112	43	non	non	ADJ
ajis02-3201	112	44	-	-	NOUN
ajis02-3201	112	45	adoption	adoption	NOUN
ajis02-3201	112	46	versus	versus	ADP
ajis02-3201	112	47	adoption	adoption	NOUN
ajis02-3201	112	48	(	(	PUNCT
ajis02-3201	112	49	naa	naa	NOUN
ajis02-3201	112	50	)	)	PUNCT
ajis02-3201	112	51	framework	framework	NOUN
ajis02-3201	112	52	,	,	PUNCT
ajis02-3201	112	53	presented	present	VERB
ajis02-3201	112	54	in	in	ADP
ajis02-3201	112	55	figure	figure	NOUN
ajis02-3201	112	56	1	1	NUM
ajis02-3201	112	57	,	,	PUNCT
ajis02-3201	112	58	to	to	PART
ajis02-3201	112	59	provide	provide	VERB
ajis02-3201	112	60	conceptual	conceptual	ADJ
ajis02-3201	112	61	clarity	clarity	NOUN
ajis02-3201	112	62	about	about	ADP
ajis02-3201	112	63	the	the	DET
ajis02-3201	112	64	dynamics	dynamic	NOUN
ajis02-3201	112	65	of	of	ADP
ajis02-3201	112	66	the	the	DET
ajis02-3201	112	67	barriers	barrier	NOUN
ajis02-3201	112	68	and	and	CCONJ
ajis02-3201	112	69	the	the	DET
ajis02-3201	112	70	levels	level	NOUN
ajis02-3201	112	71	of	of	ADP
ajis02-3201	112	72	resistance	resistance	NOUN
ajis02-3201	112	73	/	/	SYM
ajis02-3201	112	74	non	non	NOUN
ajis02-3201	112	75	-	-	NOUN
ajis02-3201	112	76	adoption	adoption	NOUN
ajis02-3201	112	77	and	and	CCONJ
ajis02-3201	112	78	adoption	adoption	NOUN
ajis02-3201	112	79	.	.	PUNCT
ajis02-3201	113	1	the	the	DET
ajis02-3201	113	2	australasian	australasian	ADJ
ajis02-3201	113	3	journal	journal	NOUN
ajis02-3201	113	4	of	of	ADP
ajis02-3201	113	5	information	information	NOUN
ajis02-3201	113	6	systems	system	NOUN
ajis02-3201	113	7	talwar	talwar	PROPN
ajis02-3201	113	8	et	et	PROPN
ajis02-3201	113	9	al	al	PROPN
ajis02-3201	113	10	.	.	PROPN
ajis02-3201	113	11	2021	2021	NUM
ajis02-3201	113	12	,	,	PUNCT
ajis02-3201	113	13	vol	vol	NOUN
ajis02-3201	113	14	25	25	NUM
ajis02-3201	113	15	,	,	PUNCT
ajis02-3201	113	16	research	research	NOUN
ajis02-3201	113	17	on	on	ADP
ajis02-3201	113	18	evaluation	evaluation	NOUN
ajis02-3201	113	19	a	a	DET
ajis02-3201	113	20	study	study	NOUN
ajis02-3201	113	21	of	of	ADP
ajis02-3201	113	22	mobile	mobile	ADJ
ajis02-3201	113	23	payment	payment	NOUN
ajis02-3201	113	24	innovations	innovation	NOUN
ajis02-3201	113	25	of	of	ADP
ajis02-3201	113	26	mobile	mobile	ADJ
ajis02-3201	113	27	applications	application	NOUN
ajis02-3201	113	28	8	8	NUM
ajis02-3201	113	29	framework	framework	NOUN
ajis02-3201	113	30	represents	represent	VERB
ajis02-3201	113	31	the	the	DET
ajis02-3201	113	32	essence	essence	NOUN
ajis02-3201	113	33	of	of	ADP
ajis02-3201	113	34	the	the	DET
ajis02-3201	113	35	preceding	precede	VERB
ajis02-3201	113	36	discussion	discussion	NOUN
ajis02-3201	113	37	and	and	CCONJ
ajis02-3201	113	38	posits	posit	NOUN
ajis02-3201	113	39	two	two	NUM
ajis02-3201	113	40	outcomes	outcome	NOUN
ajis02-3201	113	41	.	.	PUNCT
ajis02-3201	114	1	outcome	outcome	VERB
ajis02-3201	114	2	a	a	DET
ajis02-3201	114	3	indicates	indicate	VERB
ajis02-3201	114	4	the	the	DET
ajis02-3201	114	5	non	non	NOUN
ajis02-3201	114	6	-	-	NOUN
ajis02-3201	114	7	acceptance	acceptance	NOUN
ajis02-3201	114	8	of	of	ADP
ajis02-3201	114	9	innovation	innovation	NOUN
ajis02-3201	114	10	in	in	ADP
ajis02-3201	114	11	the	the	DET
ajis02-3201	114	12	absence	absence	NOUN
ajis02-3201	114	13	of	of	ADP
ajis02-3201	114	14	any	any	DET
ajis02-3201	114	15	interventions	intervention	NOUN
ajis02-3201	114	16	to	to	PART
ajis02-3201	114	17	engage	engage	VERB
ajis02-3201	114	18	with	with	ADP
ajis02-3201	114	19	potential	potential	ADJ
ajis02-3201	114	20	resistors	resistor	NOUN
ajis02-3201	114	21	.	.	PUNCT
ajis02-3201	115	1	it	it	PRON
ajis02-3201	115	2	implies	imply	VERB
ajis02-3201	115	3	that	that	SCONJ
ajis02-3201	115	4	the	the	DET
ajis02-3201	115	5	five	five	NUM
ajis02-3201	115	6	irt	irt	NOUN
ajis02-3201	115	7	barriers	barrier	NOUN
ajis02-3201	115	8	may	may	AUX
ajis02-3201	115	9	lead	lead	VERB
ajis02-3201	115	10	to	to	ADP
ajis02-3201	115	11	three	three	NUM
ajis02-3201	115	12	levels	level	NOUN
ajis02-3201	115	13	of	of	ADP
ajis02-3201	115	14	resistance	resistance	NOUN
ajis02-3201	115	15	,	,	PUNCT
ajis02-3201	115	16	which	which	PRON
ajis02-3201	115	17	are	be	AUX
ajis02-3201	115	18	actually	actually	ADV
ajis02-3201	115	19	manifestations	manifestation	NOUN
ajis02-3201	115	20	of	of	ADP
ajis02-3201	115	21	non	non	ADJ
ajis02-3201	115	22	-	-	NOUN
ajis02-3201	115	23	adoption	adoption	NOUN
ajis02-3201	115	24	(	(	PUNCT
ajis02-3201	115	25	e.g.	e.g.	ADV
ajis02-3201	115	26	,	,	PUNCT
ajis02-3201	115	27	mittelstaedt	mittelstaedt	NOUN
ajis02-3201	115	28	et	et	PROPN
ajis02-3201	115	29	al	al	PROPN
ajis02-3201	115	30	.	.	PROPN
ajis02-3201	115	31	,	,	PUNCT
ajis02-3201	115	32	1976	1976	NUM
ajis02-3201	115	33	;	;	PUNCT
ajis02-3201	115	34	szmigin	szmigin	NOUN
ajis02-3201	115	35	&	&	CCONJ
ajis02-3201	115	36	foxall	foxall	NOUN
ajis02-3201	115	37	,	,	PUNCT
ajis02-3201	115	38	1998	1998	NUM
ajis02-3201	115	39	;	;	PUNCT
ajis02-3201	115	40	claudy	claudy	PROPN
ajis02-3201	115	41	et	et	PROPN
ajis02-3201	115	42	al	al	PROPN
ajis02-3201	115	43	.	.	PROPN
ajis02-3201	115	44	,	,	PUNCT
ajis02-3201	115	45	2010	2010	NUM
ajis02-3201	115	46	)	)	PUNCT
ajis02-3201	115	47	.	.	PUNCT
ajis02-3201	116	1	however	however	ADV
ajis02-3201	116	2	,	,	PUNCT
ajis02-3201	116	3	there	there	PRON
ajis02-3201	116	4	is	be	VERB
ajis02-3201	116	5	also	also	ADV
ajis02-3201	116	6	a	a	DET
ajis02-3201	116	7	possibility	possibility	NOUN
ajis02-3201	116	8	that	that	SCONJ
ajis02-3201	116	9	nonadoption	nonadoption	NOUN
ajis02-3201	116	10	,	,	PUNCT
ajis02-3201	116	11	particularly	particularly	ADV
ajis02-3201	116	12	postponement	postponement	NOUN
ajis02-3201	116	13	and	and	CCONJ
ajis02-3201	116	14	opposition	opposition	NOUN
ajis02-3201	116	15	,	,	PUNCT
ajis02-3201	116	16	may	may	AUX
ajis02-3201	116	17	transform	transform	VERB
ajis02-3201	116	18	into	into	ADP
ajis02-3201	116	19	adoption	adoption	NOUN
ajis02-3201	116	20	,	,	PUNCT
ajis02-3201	116	21	as	as	SCONJ
ajis02-3201	116	22	argued	argue	VERB
ajis02-3201	116	23	by	by	ADP
ajis02-3201	116	24	past	past	ADJ
ajis02-3201	116	25	studies	study	NOUN
ajis02-3201	116	26	(	(	PUNCT
ajis02-3201	116	27	i.e.	i.e.	X
ajis02-3201	116	28	,	,	PUNCT
ajis02-3201	116	29	kuisma	kuisma	VERB
ajis02-3201	116	30	et	et	PROPN
ajis02-3201	116	31	al	al	PROPN
ajis02-3201	116	32	.	.	PROPN
ajis02-3201	116	33	,	,	PUNCT
ajis02-3201	116	34	2007	2007	NUM
ajis02-3201	116	35	;	;	PUNCT
ajis02-3201	116	36	cornescu	cornescu	NOUN
ajis02-3201	116	37	&	&	CCONJ
ajis02-3201	116	38	adam	adam	PROPN
ajis02-3201	116	39	,	,	PUNCT
ajis02-3201	116	40	2013	2013	NUM
ajis02-3201	116	41	)	)	PUNCT
ajis02-3201	116	42	.	.	PUNCT
ajis02-3201	117	1	this	this	DET
ajis02-3201	117	2	possibility	possibility	NOUN
ajis02-3201	117	3	is	be	AUX
ajis02-3201	117	4	captured	capture	VERB
ajis02-3201	117	5	in	in	ADP
ajis02-3201	117	6	outcome	outcome	NOUN
ajis02-3201	117	7	b	b	NOUN
ajis02-3201	117	8	,	,	PUNCT
ajis02-3201	117	9	wherein	wherein	SCONJ
ajis02-3201	117	10	we	we	PRON
ajis02-3201	117	11	posit	posit	VERB
ajis02-3201	117	12	that	that	SCONJ
ajis02-3201	117	13	the	the	DET
ajis02-3201	117	14	interventions	intervention	NOUN
ajis02-3201	117	15	introduced	introduce	VERB
ajis02-3201	117	16	by	by	ADP
ajis02-3201	117	17	service	service	NOUN
ajis02-3201	117	18	providers	provider	NOUN
ajis02-3201	117	19	can	can	AUX
ajis02-3201	117	20	cause	cause	VERB
ajis02-3201	117	21	the	the	DET
ajis02-3201	117	22	postponers	postponer	NOUN
ajis02-3201	117	23	,	,	PUNCT
ajis02-3201	117	24	opposers	opposer	NOUN
ajis02-3201	117	25	,	,	PUNCT
ajis02-3201	117	26	and	and	CCONJ
ajis02-3201	117	27	rejectors	rejector	NOUN
ajis02-3201	117	28	to	to	PART
ajis02-3201	117	29	change	change	VERB
ajis02-3201	117	30	their	their	PRON
ajis02-3201	117	31	minds	mind	NOUN
ajis02-3201	117	32	and	and	CCONJ
ajis02-3201	117	33	adopt	adopt	VERB
ajis02-3201	117	34	the	the	DET
ajis02-3201	117	35	innovation	innovation	NOUN
ajis02-3201	117	36	.	.	PUNCT
ajis02-3201	118	1	3	3	NUM
ajis02-3201	118	2	research	research	NOUN
ajis02-3201	118	3	model	model	NOUN
ajis02-3201	118	4	as	as	SCONJ
ajis02-3201	118	5	illustrated	illustrate	VERB
ajis02-3201	118	6	in	in	ADP
ajis02-3201	118	7	figure	figure	NOUN
ajis02-3201	118	8	2	2	NUM
ajis02-3201	118	9	,	,	PUNCT
ajis02-3201	118	10	we	we	PRON
ajis02-3201	118	11	examine	examine	VERB
ajis02-3201	118	12	the	the	DET
ajis02-3201	118	13	relative	relative	ADJ
ajis02-3201	118	14	influence	influence	NOUN
ajis02-3201	118	15	of	of	ADP
ajis02-3201	118	16	irt	irt	PROPN
ajis02-3201	118	17	barriers	barrier	NOUN
ajis02-3201	118	18	(	(	PUNCT
ajis02-3201	118	19	i.e.	i.e.	X
ajis02-3201	118	20	,	,	PUNCT
ajis02-3201	118	21	usage	usage	NOUN
ajis02-3201	118	22	,	,	PUNCT
ajis02-3201	118	23	value	value	NOUN
ajis02-3201	118	24	,	,	PUNCT
ajis02-3201	118	25	risk	risk	NOUN
ajis02-3201	118	26	,	,	PUNCT
ajis02-3201	118	27	tradition	tradition	NOUN
ajis02-3201	118	28	,	,	PUNCT
ajis02-3201	118	29	and	and	CCONJ
ajis02-3201	118	30	image	image	NOUN
ajis02-3201	118	31	)	)	PUNCT
ajis02-3201	118	32	on	on	ADP
ajis02-3201	118	33	three	three	NUM
ajis02-3201	118	34	levels	level	NOUN
ajis02-3201	118	35	of	of	ADP
ajis02-3201	118	36	resistance	resistance	NOUN
ajis02-3201	118	37	/	/	SYM
ajis02-3201	118	38	non	non	NOUN
ajis02-3201	118	39	-	-	NOUN
ajis02-3201	118	40	adoption	adoption	ADJ
ajis02-3201	118	41	(	(	PUNCT
ajis02-3201	118	42	i.e.	i.e.	X
ajis02-3201	118	43	,	,	PUNCT
ajis02-3201	118	44	postponement	postponement	NOUN
ajis02-3201	118	45	,	,	PUNCT
ajis02-3201	118	46	opposition	opposition	NOUN
ajis02-3201	118	47	,	,	PUNCT
ajis02-3201	118	48	and	and	CCONJ
ajis02-3201	118	49	rejection	rejection	NOUN
ajis02-3201	118	50	)	)	PUNCT
ajis02-3201	118	51	in	in	ADP
ajis02-3201	118	52	the	the	DET
ajis02-3201	118	53	context	context	NOUN
ajis02-3201	118	54	of	of	ADP
ajis02-3201	118	55	m	m	NOUN
ajis02-3201	118	56	-	-	PUNCT
ajis02-3201	118	57	payment	payment	NOUN
ajis02-3201	118	58	use	use	NOUN
ajis02-3201	118	59	during	during	ADP
ajis02-3201	118	60	the	the	DET
ajis02-3201	118	61	pandemic	pandemic	NOUN
ajis02-3201	118	62	.	.	PUNCT
ajis02-3201	119	1	the	the	DET
ajis02-3201	119	2	review	review	NOUN
ajis02-3201	119	3	of	of	ADP
ajis02-3201	119	4	the	the	DET
ajis02-3201	119	5	extended	extended	ADJ
ajis02-3201	119	6	literature	literature	NOUN
ajis02-3201	119	7	revealed	reveal	VERB
ajis02-3201	119	8	that	that	SCONJ
ajis02-3201	119	9	scholars	scholar	NOUN
ajis02-3201	119	10	have	have	AUX
ajis02-3201	119	11	organized	organize	VERB
ajis02-3201	119	12	similar	similar	ADJ
ajis02-3201	119	13	investigations	investigation	NOUN
ajis02-3201	119	14	in	in	ADP
ajis02-3201	119	15	different	different	ADJ
ajis02-3201	119	16	contexts	context	NOUN
ajis02-3201	119	17	,	,	PUNCT
ajis02-3201	119	18	such	such	ADJ
ajis02-3201	119	19	as	as	ADP
ajis02-3201	119	20	online	online	ADJ
ajis02-3201	119	21	shopping	shopping	NOUN
ajis02-3201	119	22	(	(	PUNCT
ajis02-3201	119	23	lian	lian	PROPN
ajis02-3201	119	24	&	&	CCONJ
ajis02-3201	119	25	yen	yen	NOUN
ajis02-3201	119	26	,	,	PUNCT
ajis02-3201	119	27	2013	2013	NUM
ajis02-3201	119	28	)	)	PUNCT
ajis02-3201	119	29	,	,	PUNCT
ajis02-3201	119	30	mobile	mobile	ADJ
ajis02-3201	119	31	health	health	NOUN
ajis02-3201	119	32	applications	application	NOUN
ajis02-3201	119	33	(	(	PUNCT
ajis02-3201	119	34	gurtner	gurtner	NOUN
ajis02-3201	119	35	,	,	PUNCT
ajis02-3201	119	36	2014	2014	NUM
ajis02-3201	119	37	)	)	PUNCT
ajis02-3201	119	38	,	,	PUNCT
ajis02-3201	119	39	mobile	mobile	ADJ
ajis02-3201	119	40	banking	banking	NOUN
ajis02-3201	119	41	(	(	PUNCT
ajis02-3201	119	42	laukkanen	laukkanen	PROPN
ajis02-3201	119	43	,	,	PUNCT
ajis02-3201	119	44	2016	2016	NUM
ajis02-3201	119	45	)	)	PUNCT
ajis02-3201	119	46	,	,	PUNCT
ajis02-3201	119	47	brand	brand	NOUN
ajis02-3201	119	48	mobile	mobile	ADJ
ajis02-3201	119	49	apps	app	NOUN
ajis02-3201	119	50	(	(	PUNCT
ajis02-3201	119	51	chen	chen	PROPN
ajis02-3201	119	52	et	et	PROPN
ajis02-3201	119	53	al	al	PROPN
ajis02-3201	119	54	.	.	PROPN
ajis02-3201	119	55	,	,	PUNCT
ajis02-3201	119	56	2019	2019	NUM
ajis02-3201	119	57	)	)	PUNCT
ajis02-3201	119	58	and	and	CCONJ
ajis02-3201	119	59	convergence	convergence	NOUN
ajis02-3201	119	60	products	product	NOUN
ajis02-3201	119	61	(	(	PUNCT
ajis02-3201	119	62	park	park	NOUN
ajis02-3201	119	63	&	&	CCONJ
ajis02-3201	119	64	koh	koh	PROPN
ajis02-3201	119	65	,	,	PUNCT
ajis02-3201	119	66	2017	2017	NUM
ajis02-3201	119	67	)	)	PUNCT
ajis02-3201	119	68	.	.	PUNCT
ajis02-3201	120	1	figure	figure	NOUN
ajis02-3201	120	2	2	2	NUM
ajis02-3201	120	3	.	.	PUNCT
ajis02-3201	120	4	research	research	NOUN
ajis02-3201	120	5	model	model	NOUN
ajis02-3201	120	6	chen	chen	PROPN
ajis02-3201	120	7	et	et	PROPN
ajis02-3201	120	8	al	al	PROPN
ajis02-3201	120	9	.	.	PROPN
ajis02-3201	121	1	(	(	PUNCT
ajis02-3201	121	2	2019	2019	NUM
ajis02-3201	121	3	)	)	PUNCT
ajis02-3201	121	4	revealed	reveal	VERB
ajis02-3201	121	5	differences	difference	NOUN
ajis02-3201	121	6	in	in	ADP
ajis02-3201	121	7	the	the	DET
ajis02-3201	121	8	effect	effect	NOUN
ajis02-3201	121	9	of	of	ADP
ajis02-3201	121	10	three	three	NUM
ajis02-3201	121	11	irt	irt	NOUN
ajis02-3201	121	12	barriers	barrier	NOUN
ajis02-3201	121	13	,	,	PUNCT
ajis02-3201	121	14	i.e.	i.e.	X
ajis02-3201	121	15	,	,	PUNCT
ajis02-3201	121	16	usage	usage	NOUN
ajis02-3201	121	17	,	,	PUNCT
ajis02-3201	121	18	image	image	NOUN
ajis02-3201	121	19	,	,	PUNCT
ajis02-3201	121	20	and	and	CCONJ
ajis02-3201	121	21	value	value	NOUN
ajis02-3201	121	22	,	,	PUNCT
ajis02-3201	121	23	on	on	ADP
ajis02-3201	121	24	the	the	DET
ajis02-3201	121	25	three	three	NUM
ajis02-3201	121	26	levels	level	NOUN
ajis02-3201	121	27	of	of	ADP
ajis02-3201	121	28	resistance	resistance	NOUN
ajis02-3201	121	29	toward	toward	ADP
ajis02-3201	121	30	brand	brand	NOUN
ajis02-3201	121	31	mobile	mobile	ADJ
ajis02-3201	121	32	apps	app	NOUN
ajis02-3201	121	33	.	.	PUNCT
ajis02-3201	122	1	specifically	specifically	ADV
ajis02-3201	122	2	,	,	PUNCT
ajis02-3201	122	3	usage	usage	NOUN
ajis02-3201	122	4	and	and	CCONJ
ajis02-3201	122	5	image	image	NOUN
ajis02-3201	122	6	barriers	barrier	NOUN
ajis02-3201	122	7	significantly	significantly	ADV
ajis02-3201	122	8	affected	affect	VERB
ajis02-3201	122	9	rejection	rejection	NOUN
ajis02-3201	122	10	,	,	PUNCT
ajis02-3201	122	11	while	while	SCONJ
ajis02-3201	122	12	value	value	NOUN
ajis02-3201	122	13	barriers	barrier	NOUN
ajis02-3201	122	14	significantly	significantly	ADV
ajis02-3201	122	15	affected	affect	VERB
ajis02-3201	122	16	postponement	postponement	NOUN
ajis02-3201	122	17	and	and	CCONJ
ajis02-3201	122	18	opposition	opposition	NOUN
ajis02-3201	122	19	.	.	PUNCT
ajis02-3201	123	1	park	park	NOUN
ajis02-3201	123	2	and	and	CCONJ
ajis02-3201	123	3	koh	koh	PROPN
ajis02-3201	123	4	(	(	PUNCT
ajis02-3201	123	5	2017	2017	NUM
ajis02-3201	123	6	)	)	PUNCT
ajis02-3201	123	7	similarly	similarly	ADV
ajis02-3201	123	8	identified	identify	VERB
ajis02-3201	123	9	differences	difference	NOUN
ajis02-3201	123	10	in	in	ADP
ajis02-3201	123	11	the	the	DET
ajis02-3201	123	12	antecedents	antecedent	NOUN
ajis02-3201	123	13	of	of	ADP
ajis02-3201	123	14	rejection	rejection	NOUN
ajis02-3201	123	15	and	and	CCONJ
ajis02-3201	123	16	postponement	postponement	NOUN
ajis02-3201	123	17	,	,	PUNCT
ajis02-3201	123	18	finding	find	VERB
ajis02-3201	123	19	that	that	DET
ajis02-3201	123	20	rejection	rejection	NOUN
ajis02-3201	123	21	was	be	AUX
ajis02-3201	123	22	associated	associate	VERB
ajis02-3201	123	23	with	with	ADP
ajis02-3201	123	24	the	the	DET
ajis02-3201	123	25	australasian	australasian	ADJ
ajis02-3201	123	26	journal	journal	NOUN
ajis02-3201	123	27	of	of	ADP
ajis02-3201	123	28	information	information	NOUN
ajis02-3201	123	29	systems	system	NOUN
ajis02-3201	123	30	talwar	talwar	PROPN
ajis02-3201	123	31	et	et	PROPN
ajis02-3201	123	32	al	al	PROPN
ajis02-3201	123	33	.	.	PROPN
ajis02-3201	123	34	2021	2021	NUM
ajis02-3201	123	35	,	,	PUNCT
ajis02-3201	123	36	vol	vol	NOUN
ajis02-3201	123	37	25	25	NUM
ajis02-3201	123	38	,	,	PUNCT
ajis02-3201	123	39	research	research	NOUN
ajis02-3201	123	40	on	on	ADP
ajis02-3201	123	41	evaluation	evaluation	NOUN
ajis02-3201	123	42	a	a	DET
ajis02-3201	123	43	study	study	NOUN
ajis02-3201	123	44	of	of	ADP
ajis02-3201	123	45	mobile	mobile	ADJ
ajis02-3201	123	46	payment	payment	NOUN
ajis02-3201	123	47	innovations	innovation	NOUN
ajis02-3201	123	48	of	of	ADP
ajis02-3201	123	49	mobile	mobile	ADJ
ajis02-3201	123	50	applications	application	NOUN
ajis02-3201	123	51	9	9	NUM
ajis02-3201	123	52	expectation	expectation	NOUN
ajis02-3201	123	53	of	of	ADP
ajis02-3201	123	54	higher	high	ADJ
ajis02-3201	123	55	quality	quality	NOUN
ajis02-3201	123	56	coupled	couple	VERB
ajis02-3201	123	57	with	with	ADP
ajis02-3201	123	58	lower	low	ADJ
ajis02-3201	123	59	price	price	NOUN
ajis02-3201	123	60	,	,	PUNCT
ajis02-3201	123	61	while	while	SCONJ
ajis02-3201	123	62	postponement	postponement	NOUN
ajis02-3201	123	63	was	be	AUX
ajis02-3201	123	64	associated	associate	VERB
ajis02-3201	123	65	with	with	ADP
ajis02-3201	123	66	the	the	DET
ajis02-3201	123	67	expectation	expectation	NOUN
ajis02-3201	123	68	of	of	ADP
ajis02-3201	123	69	lower	low	ADJ
ajis02-3201	123	70	price	price	NOUN
ajis02-3201	123	71	.	.	PUNCT
ajis02-3201	124	1	the	the	DET
ajis02-3201	124	2	study	study	NOUN
ajis02-3201	124	3	also	also	ADV
ajis02-3201	124	4	found	find	VERB
ajis02-3201	124	5	that	that	SCONJ
ajis02-3201	124	6	the	the	DET
ajis02-3201	124	7	perceived	perceive	VERB
ajis02-3201	124	8	pace	pace	NOUN
ajis02-3201	124	9	of	of	ADP
ajis02-3201	124	10	technology	technology	NOUN
ajis02-3201	124	11	change	change	NOUN
ajis02-3201	124	12	indirectly	indirectly	ADV
ajis02-3201	124	13	affected	affect	VERB
ajis02-3201	124	14	rejection	rejection	NOUN
ajis02-3201	124	15	and	and	CCONJ
ajis02-3201	124	16	postponement	postponement	NOUN
ajis02-3201	124	17	.	.	PUNCT
ajis02-3201	125	1	in	in	ADP
ajis02-3201	125	2	another	another	DET
ajis02-3201	125	3	digital	digital	ADJ
ajis02-3201	125	4	context	context	NOUN
ajis02-3201	125	5	,	,	PUNCT
ajis02-3201	125	6	laukkanen	laukkanen	PROPN
ajis02-3201	125	7	et	et	PROPN
ajis02-3201	125	8	al	al	PROPN
ajis02-3201	125	9	.	.	PROPN
ajis02-3201	125	10	(	(	PUNCT
ajis02-3201	125	11	2008	2008	NUM
ajis02-3201	125	12	)	)	PUNCT
ajis02-3201	125	13	examined	examine	VERB
ajis02-3201	125	14	the	the	DET
ajis02-3201	125	15	effect	effect	NOUN
ajis02-3201	125	16	of	of	ADP
ajis02-3201	125	17	the	the	DET
ajis02-3201	125	18	five	five	NUM
ajis02-3201	125	19	irt	irt	NOUN
ajis02-3201	125	20	barriers	barrier	VERB
ajis02-3201	125	21	on	on	ADP
ajis02-3201	125	22	the	the	DET
ajis02-3201	125	23	three	three	NUM
ajis02-3201	125	24	non	non	ADJ
ajis02-3201	125	25	-	-	ADJ
ajis02-3201	125	26	adopter	adopter	ADJ
ajis02-3201	125	27	groups	group	NOUN
ajis02-3201	125	28	in	in	ADP
ajis02-3201	125	29	the	the	DET
ajis02-3201	125	30	context	context	NOUN
ajis02-3201	125	31	of	of	ADP
ajis02-3201	125	32	their	their	PRON
ajis02-3201	125	33	usage	usage	NOUN
ajis02-3201	125	34	intentions	intention	NOUN
ajis02-3201	125	35	toward	toward	ADP
ajis02-3201	125	36	internet	internet	NOUN
ajis02-3201	125	37	banking	banking	NOUN
ajis02-3201	125	38	:	:	PUNCT
ajis02-3201	125	39	postponers	postponer	NOUN
ajis02-3201	125	40	,	,	PUNCT
ajis02-3201	125	41	opponents	opponent	NOUN
ajis02-3201	125	42	,	,	PUNCT
ajis02-3201	125	43	and	and	CCONJ
ajis02-3201	125	44	rejectors	rejector	NOUN
ajis02-3201	125	45	.	.	PUNCT
ajis02-3201	126	1	the	the	DET
ajis02-3201	126	2	outcome	outcome	NOUN
ajis02-3201	126	3	of	of	ADP
ajis02-3201	126	4	their	their	PRON
ajis02-3201	126	5	empirical	empirical	ADJ
ajis02-3201	126	6	analysis	analysis	NOUN
ajis02-3201	126	7	confirmed	confirm	VERB
ajis02-3201	126	8	significant	significant	ADJ
ajis02-3201	126	9	statistical	statistical	ADJ
ajis02-3201	126	10	differences	difference	NOUN
ajis02-3201	126	11	among	among	ADP
ajis02-3201	126	12	the	the	DET
ajis02-3201	126	13	three	three	NUM
ajis02-3201	126	14	non	non	ADJ
ajis02-3201	126	15	-	-	ADJ
ajis02-3201	126	16	adopter	adopter	ADJ
ajis02-3201	126	17	groups	group	NOUN
ajis02-3201	126	18	in	in	ADP
ajis02-3201	126	19	terms	term	NOUN
ajis02-3201	126	20	of	of	ADP
ajis02-3201	126	21	the	the	DET
ajis02-3201	126	22	irt	irt	PROPN
ajis02-3201	126	23	barriers	barrier	NOUN
ajis02-3201	126	24	.	.	PUNCT
ajis02-3201	127	1	specifically	specifically	ADV
ajis02-3201	127	2	,	,	PUNCT
ajis02-3201	127	3	these	these	DET
ajis02-3201	127	4	groups	group	NOUN
ajis02-3201	127	5	differed	differ	VERB
ajis02-3201	127	6	in	in	ADP
ajis02-3201	127	7	the	the	DET
ajis02-3201	127	8	degree	degree	NOUN
ajis02-3201	127	9	of	of	ADP
ajis02-3201	127	10	the	the	DET
ajis02-3201	127	11	usage	usage	NOUN
ajis02-3201	127	12	,	,	PUNCT
ajis02-3201	127	13	value	value	NOUN
ajis02-3201	127	14	,	,	PUNCT
ajis02-3201	127	15	tradition	tradition	NOUN
ajis02-3201	127	16	,	,	PUNCT
ajis02-3201	127	17	and	and	CCONJ
ajis02-3201	127	18	image	image	NOUN
ajis02-3201	127	19	barriers	barrier	NOUN
ajis02-3201	127	20	they	they	PRON
ajis02-3201	127	21	had	have	VERB
ajis02-3201	127	22	toward	toward	ADP
ajis02-3201	127	23	internet	internet	NOUN
ajis02-3201	127	24	banking	banking	NOUN
ajis02-3201	127	25	.	.	PUNCT
ajis02-3201	128	1	furthermore	furthermore	ADV
ajis02-3201	128	2	,	,	PUNCT
ajis02-3201	128	3	the	the	DET
ajis02-3201	128	4	study	study	NOUN
ajis02-3201	128	5	revealed	reveal	VERB
ajis02-3201	128	6	that	that	SCONJ
ajis02-3201	128	7	the	the	DET
ajis02-3201	128	8	differences	difference	NOUN
ajis02-3201	128	9	were	be	AUX
ajis02-3201	128	10	highest	high	ADJ
ajis02-3201	128	11	for	for	ADP
ajis02-3201	128	12	usage	usage	NOUN
ajis02-3201	128	13	barriers	barrier	NOUN
ajis02-3201	128	14	followed	follow	VERB
ajis02-3201	128	15	by	by	ADP
ajis02-3201	128	16	those	those	PRON
ajis02-3201	128	17	for	for	ADP
ajis02-3201	128	18	image	image	NOUN
ajis02-3201	128	19	,	,	PUNCT
ajis02-3201	128	20	value	value	NOUN
ajis02-3201	128	21	,	,	PUNCT
ajis02-3201	128	22	and	and	CCONJ
ajis02-3201	128	23	tradition	tradition	NOUN
ajis02-3201	128	24	.	.	PUNCT
ajis02-3201	129	1	moreover	moreover	ADV
ajis02-3201	129	2	,	,	PUNCT
ajis02-3201	129	3	the	the	DET
ajis02-3201	129	4	three	three	NUM
ajis02-3201	129	5	groups	group	NOUN
ajis02-3201	129	6	did	do	AUX
ajis02-3201	129	7	not	not	PART
ajis02-3201	129	8	differ	differ	VERB
ajis02-3201	129	9	in	in	ADP
ajis02-3201	129	10	terms	term	NOUN
ajis02-3201	129	11	of	of	ADP
ajis02-3201	129	12	risk	risk	NOUN
ajis02-3201	129	13	barrier	barrier	NOUN
ajis02-3201	129	14	as	as	SCONJ
ajis02-3201	129	15	the	the	DET
ajis02-3201	129	16	risk	risk	NOUN
ajis02-3201	129	17	perception	perception	NOUN
ajis02-3201	129	18	for	for	ADP
ajis02-3201	129	19	internet	internet	NOUN
ajis02-3201	129	20	banking	banking	NOUN
ajis02-3201	129	21	was	be	AUX
ajis02-3201	129	22	high	high	ADJ
ajis02-3201	129	23	across	across	ADP
ajis02-3201	129	24	all	all	DET
ajis02-3201	129	25	three	three	NUM
ajis02-3201	129	26	categories	category	NOUN
ajis02-3201	129	27	.	.	PUNCT
ajis02-3201	130	1	elbadrawy	elbadrawy	PROPN
ajis02-3201	130	2	and	and	CCONJ
ajis02-3201	130	3	aziz	aziz	PROPN
ajis02-3201	130	4	(	(	PUNCT
ajis02-3201	130	5	2011	2011	NUM
ajis02-3201	130	6	)	)	PUNCT
ajis02-3201	130	7	similarly	similarly	ADV
ajis02-3201	130	8	classified	classify	VERB
ajis02-3201	130	9	the	the	DET
ajis02-3201	130	10	non	non	NOUN
ajis02-3201	130	11	-	-	NOUN
ajis02-3201	130	12	adopters	adopter	NOUN
ajis02-3201	130	13	of	of	ADP
ajis02-3201	130	14	mobile	mobile	ADJ
ajis02-3201	130	15	banking	banking	NOUN
ajis02-3201	130	16	into	into	ADP
ajis02-3201	130	17	postponers	postponer	NOUN
ajis02-3201	130	18	,	,	PUNCT
ajis02-3201	130	19	opponents	opponent	NOUN
ajis02-3201	130	20	,	,	PUNCT
ajis02-3201	130	21	and	and	CCONJ
ajis02-3201	130	22	rejectors	rejector	NOUN
ajis02-3201	130	23	.	.	PUNCT
ajis02-3201	131	1	their	their	PRON
ajis02-3201	131	2	study	study	NOUN
ajis02-3201	131	3	examined	examine	VERB
ajis02-3201	131	4	the	the	DET
ajis02-3201	131	5	effect	effect	NOUN
ajis02-3201	131	6	of	of	ADP
ajis02-3201	131	7	the	the	DET
ajis02-3201	131	8	five	five	NUM
ajis02-3201	131	9	irt	irt	NOUN
ajis02-3201	131	10	barriers	barrier	VERB
ajis02-3201	131	11	on	on	ADP
ajis02-3201	131	12	these	these	DET
ajis02-3201	131	13	non	non	NOUN
ajis02-3201	131	14	-	-	NOUN
ajis02-3201	131	15	adopters	adopter	NOUN
ajis02-3201	131	16	,	,	PUNCT
ajis02-3201	131	17	revealing	reveal	VERB
ajis02-3201	131	18	that	that	SCONJ
ajis02-3201	131	19	the	the	DET
ajis02-3201	131	20	three	three	NUM
ajis02-3201	131	21	groups	group	NOUN
ajis02-3201	131	22	differed	differ	VERB
ajis02-3201	131	23	significantly	significantly	ADV
ajis02-3201	131	24	with	with	ADP
ajis02-3201	131	25	regard	regard	NOUN
ajis02-3201	131	26	to	to	ADP
ajis02-3201	131	27	usage	usage	NOUN
ajis02-3201	131	28	,	,	PUNCT
ajis02-3201	131	29	value	value	NOUN
ajis02-3201	131	30	,	,	PUNCT
ajis02-3201	131	31	and	and	CCONJ
ajis02-3201	131	32	image	image	NOUN
ajis02-3201	131	33	barriers	barrier	NOUN
ajis02-3201	131	34	.	.	PUNCT
ajis02-3201	132	1	in	in	ADP
ajis02-3201	132	2	comparison	comparison	NOUN
ajis02-3201	132	3	,	,	PUNCT
ajis02-3201	132	4	no	no	DET
ajis02-3201	132	5	statistically	statistically	ADV
ajis02-3201	132	6	significant	significant	ADJ
ajis02-3201	132	7	differences	difference	NOUN
ajis02-3201	132	8	were	be	AUX
ajis02-3201	132	9	found	find	VERB
ajis02-3201	132	10	between	between	ADP
ajis02-3201	132	11	the	the	DET
ajis02-3201	132	12	groups	group	NOUN
ajis02-3201	132	13	regarding	regard	VERB
ajis02-3201	132	14	the	the	DET
ajis02-3201	132	15	risk	risk	NOUN
ajis02-3201	132	16	and	and	CCONJ
ajis02-3201	132	17	tradition	tradition	NOUN
ajis02-3201	132	18	barriers	barrier	NOUN
ajis02-3201	132	19	.	.	PUNCT
ajis02-3201	133	1	consolidating	consolidate	VERB
ajis02-3201	133	2	these	these	DET
ajis02-3201	133	3	findings	finding	NOUN
ajis02-3201	133	4	,	,	PUNCT
ajis02-3201	133	5	laukkanen	laukkanen	PROPN
ajis02-3201	133	6	(	(	PUNCT
ajis02-3201	133	7	2016	2016	NUM
ajis02-3201	133	8	)	)	PUNCT
ajis02-3201	133	9	examined	examine	VERB
ajis02-3201	133	10	adopters	adopter	NOUN
ajis02-3201	133	11	versus	versus	ADP
ajis02-3201	133	12	non	non	NOUN
ajis02-3201	133	13	-	-	NOUN
ajis02-3201	133	14	adopters	adopter	NOUN
ajis02-3201	133	15	in	in	ADP
ajis02-3201	133	16	the	the	DET
ajis02-3201	133	17	context	context	NOUN
ajis02-3201	133	18	of	of	ADP
ajis02-3201	133	19	mobile	mobile	ADJ
ajis02-3201	133	20	banking	banking	NOUN
ajis02-3201	133	21	and	and	CCONJ
ajis02-3201	133	22	internet	internet	NOUN
ajis02-3201	133	23	banking	banking	NOUN
ajis02-3201	133	24	.	.	PUNCT
ajis02-3201	134	1	the	the	DET
ajis02-3201	134	2	results	result	NOUN
ajis02-3201	134	3	showed	show	VERB
ajis02-3201	134	4	that	that	SCONJ
ajis02-3201	134	5	the	the	DET
ajis02-3201	134	6	value	value	NOUN
ajis02-3201	134	7	barrier	barrier	NOUN
ajis02-3201	134	8	was	be	AUX
ajis02-3201	134	9	the	the	DET
ajis02-3201	134	10	most	most	ADV
ajis02-3201	134	11	statistically	statistically	ADV
ajis02-3201	134	12	significant	significant	ADJ
ajis02-3201	134	13	barrier	barrier	NOUN
ajis02-3201	134	14	toward	toward	ADP
ajis02-3201	134	15	the	the	DET
ajis02-3201	134	16	adoption	adoption	NOUN
ajis02-3201	134	17	of	of	ADP
ajis02-3201	134	18	both	both	DET
ajis02-3201	134	19	banking	banking	NOUN
ajis02-3201	134	20	methods	method	NOUN
ajis02-3201	134	21	.	.	PUNCT
ajis02-3201	135	1	moreover	moreover	ADV
ajis02-3201	135	2	,	,	PUNCT
ajis02-3201	135	3	the	the	DET
ajis02-3201	135	4	image	image	NOUN
ajis02-3201	135	5	barrier	barrier	NOUN
ajis02-3201	135	6	was	be	AUX
ajis02-3201	135	7	found	find	VERB
ajis02-3201	135	8	to	to	PART
ajis02-3201	135	9	slow	slow	VERB
ajis02-3201	135	10	down	down	ADP
ajis02-3201	135	11	the	the	DET
ajis02-3201	135	12	adoption	adoption	NOUN
ajis02-3201	135	13	of	of	ADP
ajis02-3201	135	14	mobile	mobile	ADJ
ajis02-3201	135	15	banking	banking	NOUN
ajis02-3201	135	16	,	,	PUNCT
ajis02-3201	135	17	while	while	SCONJ
ajis02-3201	135	18	the	the	DET
ajis02-3201	135	19	tradition	tradition	NOUN
ajis02-3201	135	20	barrier	barrier	NOUN
ajis02-3201	135	21	led	lead	VERB
ajis02-3201	135	22	to	to	ADP
ajis02-3201	135	23	the	the	DET
ajis02-3201	135	24	rejection	rejection	NOUN
ajis02-3201	135	25	of	of	ADP
ajis02-3201	135	26	internet	internet	NOUN
ajis02-3201	135	27	banking	banking	NOUN
ajis02-3201	135	28	.	.	PUNCT
ajis02-3201	136	1	a	a	DET
ajis02-3201	136	2	limited	limited	ADJ
ajis02-3201	136	3	number	number	NOUN
ajis02-3201	136	4	of	of	ADP
ajis02-3201	136	5	studies	study	NOUN
ajis02-3201	136	6	have	have	AUX
ajis02-3201	136	7	examined	examine	VERB
ajis02-3201	136	8	the	the	DET
ajis02-3201	136	9	three	three	NUM
ajis02-3201	136	10	levels	level	NOUN
ajis02-3201	136	11	of	of	ADP
ajis02-3201	136	12	resistance	resistance	NOUN
ajis02-3201	136	13	or	or	CCONJ
ajis02-3201	136	14	non	non	ADJ
ajis02-3201	136	15	-	-	NOUN
ajis02-3201	136	16	adoption	adoption	NOUN
ajis02-3201	136	17	in	in	ADP
ajis02-3201	136	18	other	other	ADJ
ajis02-3201	136	19	digital	digital	ADJ
ajis02-3201	136	20	contexts	contexts	NOUN
ajis02-3201	136	21	.	.	PUNCT
ajis02-3201	137	1	for	for	ADP
ajis02-3201	137	2	instance	instance	NOUN
ajis02-3201	137	3	,	,	PUNCT
ajis02-3201	137	4	gurtner	gurtner	NOUN
ajis02-3201	137	5	(	(	PUNCT
ajis02-3201	137	6	2014	2014	NUM
ajis02-3201	137	7	)	)	PUNCT
ajis02-3201	137	8	examined	examine	VERB
ajis02-3201	137	9	the	the	DET
ajis02-3201	137	10	usage	usage	NOUN
ajis02-3201	137	11	,	,	PUNCT
ajis02-3201	137	12	value	value	NOUN
ajis02-3201	137	13	,	,	PUNCT
ajis02-3201	137	14	risk	risk	NOUN
ajis02-3201	137	15	,	,	PUNCT
ajis02-3201	137	16	and	and	CCONJ
ajis02-3201	137	17	tradition	tradition	NOUN
ajis02-3201	137	18	barriers	barrier	NOUN
ajis02-3201	137	19	as	as	ADP
ajis02-3201	137	20	antecedents	antecedent	NOUN
ajis02-3201	137	21	of	of	ADP
ajis02-3201	137	22	rejection	rejection	NOUN
ajis02-3201	137	23	and	and	CCONJ
ajis02-3201	137	24	opposition	opposition	NOUN
ajis02-3201	137	25	toward	toward	ADP
ajis02-3201	137	26	mobile	mobile	ADJ
ajis02-3201	137	27	health	health	NOUN
ajis02-3201	137	28	applications	application	NOUN
ajis02-3201	137	29	.	.	PUNCT
ajis02-3201	138	1	the	the	DET
ajis02-3201	138	2	study	study	NOUN
ajis02-3201	138	3	measured	measure	VERB
ajis02-3201	138	4	the	the	DET
ajis02-3201	138	5	risk	risk	NOUN
ajis02-3201	138	6	barrier	barrier	NOUN
ajis02-3201	138	7	through	through	ADP
ajis02-3201	138	8	physical	physical	ADJ
ajis02-3201	138	9	,	,	PUNCT
ajis02-3201	138	10	performance	performance	NOUN
ajis02-3201	138	11	,	,	PUNCT
ajis02-3201	138	12	and	and	CCONJ
ajis02-3201	138	13	social	social	ADJ
ajis02-3201	138	14	risk	risk	NOUN
ajis02-3201	138	15	and	and	CCONJ
ajis02-3201	138	16	found	find	VERB
ajis02-3201	138	17	differences	difference	NOUN
ajis02-3201	138	18	in	in	ADP
ajis02-3201	138	19	the	the	DET
ajis02-3201	138	20	effect	effect	NOUN
ajis02-3201	138	21	of	of	ADP
ajis02-3201	138	22	these	these	DET
ajis02-3201	138	23	barriers	barrier	NOUN
ajis02-3201	138	24	on	on	ADP
ajis02-3201	138	25	rejection	rejection	NOUN
ajis02-3201	138	26	and	and	CCONJ
ajis02-3201	138	27	opposition	opposition	NOUN
ajis02-3201	138	28	.	.	PUNCT
ajis02-3201	139	1	whereas	whereas	SCONJ
ajis02-3201	139	2	rejection	rejection	NOUN
ajis02-3201	139	3	was	be	AUX
ajis02-3201	139	4	significantly	significantly	ADV
ajis02-3201	139	5	predicted	predict	VERB
ajis02-3201	139	6	by	by	ADP
ajis02-3201	139	7	usage	usage	NOUN
ajis02-3201	139	8	,	,	PUNCT
ajis02-3201	139	9	value	value	NOUN
ajis02-3201	139	10	,	,	PUNCT
ajis02-3201	139	11	and	and	CCONJ
ajis02-3201	139	12	performance	performance	NOUN
ajis02-3201	139	13	risk	risk	NOUN
ajis02-3201	139	14	barriers	barrier	NOUN
ajis02-3201	139	15	,	,	PUNCT
ajis02-3201	139	16	opposition	opposition	NOUN
ajis02-3201	139	17	was	be	AUX
ajis02-3201	139	18	predicted	predict	VERB
ajis02-3201	139	19	by	by	ADP
ajis02-3201	139	20	physical	physical	ADJ
ajis02-3201	139	21	and	and	CCONJ
ajis02-3201	139	22	performance	performance	NOUN
ajis02-3201	139	23	risk	risk	NOUN
ajis02-3201	139	24	instead	instead	ADV
ajis02-3201	139	25	.	.	PUNCT
ajis02-3201	140	1	similarly	similarly	ADV
ajis02-3201	140	2	,	,	PUNCT
ajis02-3201	140	3	lian	lian	NOUN
ajis02-3201	140	4	and	and	CCONJ
ajis02-3201	140	5	yen	yen	NOUN
ajis02-3201	140	6	(	(	PUNCT
ajis02-3201	140	7	2013	2013	NUM
ajis02-3201	140	8	)	)	PUNCT
ajis02-3201	140	9	used	use	VERB
ajis02-3201	140	10	irt	irt	PROPN
ajis02-3201	140	11	to	to	PART
ajis02-3201	140	12	examine	examine	VERB
ajis02-3201	140	13	resistance	resistance	NOUN
ajis02-3201	140	14	to	to	ADP
ajis02-3201	140	15	online	online	NOUN
ajis02-3201	140	16	shopping	shopping	NOUN
ajis02-3201	140	17	in	in	ADP
ajis02-3201	140	18	the	the	DET
ajis02-3201	140	19	context	context	NOUN
ajis02-3201	140	20	of	of	ADP
ajis02-3201	140	21	a	a	DET
ajis02-3201	140	22	cosmetic	cosmetic	ADJ
ajis02-3201	140	23	company	company	NOUN
ajis02-3201	140	24	.	.	PUNCT
ajis02-3201	141	1	the	the	DET
ajis02-3201	141	2	empirical	empirical	ADJ
ajis02-3201	141	3	findings	finding	NOUN
ajis02-3201	141	4	indicated	indicate	VERB
ajis02-3201	141	5	that	that	SCONJ
ajis02-3201	141	6	value	value	NOUN
ajis02-3201	141	7	and	and	CCONJ
ajis02-3201	141	8	tradition	tradition	NOUN
ajis02-3201	141	9	barriers	barrier	NOUN
ajis02-3201	141	10	toward	toward	ADP
ajis02-3201	141	11	usage	usage	NOUN
ajis02-3201	141	12	intentions	intention	NOUN
ajis02-3201	141	13	were	be	AUX
ajis02-3201	141	14	the	the	DET
ajis02-3201	141	15	major	major	ADJ
ajis02-3201	141	16	cause	cause	NOUN
ajis02-3201	141	17	of	of	ADP
ajis02-3201	141	18	resistance	resistance	NOUN
ajis02-3201	141	19	.	.	PUNCT
ajis02-3201	142	1	the	the	DET
ajis02-3201	142	2	results	result	NOUN
ajis02-3201	142	3	also	also	ADV
ajis02-3201	142	4	revealed	reveal	VERB
ajis02-3201	142	5	that	that	SCONJ
ajis02-3201	142	6	the	the	DET
ajis02-3201	142	7	non	non	ADJ
ajis02-3201	142	8	-	-	ADJ
ajis02-3201	142	9	adopter	adopter	ADJ
ajis02-3201	142	10	groups	group	NOUN
ajis02-3201	142	11	differed	differ	VERB
ajis02-3201	142	12	in	in	ADP
ajis02-3201	142	13	terms	term	NOUN
ajis02-3201	142	14	of	of	ADP
ajis02-3201	142	15	usage	usage	NOUN
ajis02-3201	142	16	and	and	CCONJ
ajis02-3201	142	17	image	image	NOUN
ajis02-3201	142	18	barriers	barrier	NOUN
ajis02-3201	142	19	,	,	PUNCT
ajis02-3201	142	20	such	such	ADJ
ajis02-3201	142	21	that	that	SCONJ
ajis02-3201	142	22	rejectors	rejector	NOUN
ajis02-3201	142	23	were	be	AUX
ajis02-3201	142	24	found	find	VERB
ajis02-3201	142	25	to	to	PART
ajis02-3201	142	26	have	have	VERB
ajis02-3201	142	27	the	the	DET
ajis02-3201	142	28	highest	high	ADJ
ajis02-3201	142	29	barriers	barrier	NOUN
ajis02-3201	142	30	,	,	PUNCT
ajis02-3201	142	31	followed	follow	VERB
ajis02-3201	142	32	by	by	ADP
ajis02-3201	142	33	opponents	opponent	NOUN
ajis02-3201	142	34	and	and	CCONJ
ajis02-3201	142	35	postponers	postponer	NOUN
ajis02-3201	142	36	.	.	PUNCT
ajis02-3201	143	1	in	in	ADP
ajis02-3201	143	2	sum	sum	NOUN
ajis02-3201	143	3	,	,	PUNCT
ajis02-3201	143	4	significant	significant	ADJ
ajis02-3201	143	5	differences	difference	NOUN
ajis02-3201	143	6	in	in	ADP
ajis02-3201	143	7	usage	usage	NOUN
ajis02-3201	143	8	,	,	PUNCT
ajis02-3201	143	9	value	value	NOUN
ajis02-3201	143	10	,	,	PUNCT
ajis02-3201	143	11	tradition	tradition	NOUN
ajis02-3201	143	12	,	,	PUNCT
ajis02-3201	143	13	and	and	CCONJ
ajis02-3201	143	14	image	image	NOUN
ajis02-3201	143	15	barriers	barrier	NOUN
ajis02-3201	143	16	were	be	AUX
ajis02-3201	143	17	found	find	VERB
ajis02-3201	143	18	between	between	ADP
ajis02-3201	143	19	adopters	adopter	NOUN
ajis02-3201	143	20	and	and	CCONJ
ajis02-3201	143	21	non	non	NOUN
ajis02-3201	143	22	-	-	NOUN
ajis02-3201	143	23	adopters	adopter	NOUN
ajis02-3201	143	24	in	in	ADP
ajis02-3201	143	25	the	the	DET
ajis02-3201	143	26	context	context	NOUN
ajis02-3201	143	27	of	of	ADP
ajis02-3201	143	28	online	online	ADJ
ajis02-3201	143	29	purchase	purchase	NOUN
ajis02-3201	143	30	of	of	ADP
ajis02-3201	143	31	experience	experience	NOUN
ajis02-3201	143	32	goods	good	NOUN
ajis02-3201	143	33	.	.	PUNCT
ajis02-3201	144	1	the	the	DET
ajis02-3201	144	2	above	above	ADJ
ajis02-3201	144	3	discussion	discussion	NOUN
ajis02-3201	144	4	confirms	confirm	VERB
ajis02-3201	144	5	that	that	SCONJ
ajis02-3201	144	6	examining	examine	VERB
ajis02-3201	144	7	non	non	NOUN
ajis02-3201	144	8	-	-	NOUN
ajis02-3201	144	9	adoption	adoption	NOUN
ajis02-3201	144	10	by	by	ADP
ajis02-3201	144	11	breaking	break	VERB
ajis02-3201	144	12	it	it	PRON
ajis02-3201	144	13	down	down	ADP
ajis02-3201	144	14	into	into	ADP
ajis02-3201	144	15	three	three	NUM
ajis02-3201	144	16	levels	level	NOUN
ajis02-3201	144	17	is	be	AUX
ajis02-3201	144	18	quite	quite	ADV
ajis02-3201	144	19	informative	informative	ADJ
ajis02-3201	144	20	and	and	CCONJ
ajis02-3201	144	21	can	can	AUX
ajis02-3201	144	22	help	help	VERB
ajis02-3201	144	23	theorists	theorist	NOUN
ajis02-3201	144	24	and	and	CCONJ
ajis02-3201	144	25	managers	manager	NOUN
ajis02-3201	144	26	develop	develop	VERB
ajis02-3201	144	27	more	more	ADV
ajis02-3201	144	28	effective	effective	ADJ
ajis02-3201	144	29	strategies	strategy	NOUN
ajis02-3201	144	30	to	to	PART
ajis02-3201	144	31	counter	counter	VERB
ajis02-3201	144	32	resistance	resistance	NOUN
ajis02-3201	144	33	in	in	ADP
ajis02-3201	144	34	the	the	DET
ajis02-3201	144	35	form	form	NOUN
ajis02-3201	144	36	of	of	ADP
ajis02-3201	144	37	irt	irt	PROPN
ajis02-3201	144	38	barriers	barrier	NOUN
ajis02-3201	144	39	.	.	PUNCT
ajis02-3201	145	1	given	give	VERB
ajis02-3201	145	2	that	that	SCONJ
ajis02-3201	145	3	non	non	ADJ
ajis02-3201	145	4	-	-	NOUN
ajis02-3201	145	5	adoption	adoption	NOUN
ajis02-3201	145	6	can	can	AUX
ajis02-3201	145	7	impede	impede	VERB
ajis02-3201	145	8	the	the	DET
ajis02-3201	145	9	diffusion	diffusion	NOUN
ajis02-3201	145	10	of	of	ADP
ajis02-3201	145	11	innovations	innovation	NOUN
ajis02-3201	145	12	(	(	PUNCT
ajis02-3201	145	13	talwar	talwar	PROPN
ajis02-3201	145	14	et	et	PROPN
ajis02-3201	145	15	al	al	PROPN
ajis02-3201	145	16	.	.	PROPN
ajis02-3201	145	17	,	,	PUNCT
ajis02-3201	145	18	2020a	2020a	NUM
ajis02-3201	145	19	)	)	PUNCT
ajis02-3201	145	20	,	,	PUNCT
ajis02-3201	145	21	we	we	PRON
ajis02-3201	145	22	contend	contend	VERB
ajis02-3201	145	23	that	that	SCONJ
ajis02-3201	145	24	the	the	DET
ajis02-3201	145	25	academic	academic	ADJ
ajis02-3201	145	26	research	research	NOUN
ajis02-3201	145	27	related	relate	VERB
ajis02-3201	145	28	to	to	ADP
ajis02-3201	145	29	the	the	DET
ajis02-3201	145	30	three	three	NUM
ajis02-3201	145	31	levels	level	NOUN
ajis02-3201	145	32	of	of	ADP
ajis02-3201	145	33	resistance	resistance	NOUN
ajis02-3201	145	34	/	/	SYM
ajis02-3201	145	35	non	non	NOUN
ajis02-3201	145	36	-	-	NOUN
ajis02-3201	145	37	adoption	adoption	NOUN
ajis02-3201	145	38	is	be	AUX
ajis02-3201	145	39	limited	limit	VERB
ajis02-3201	145	40	not	not	PART
ajis02-3201	145	41	only	only	ADV
ajis02-3201	145	42	in	in	ADP
ajis02-3201	145	43	terms	term	NOUN
ajis02-3201	145	44	of	of	ADP
ajis02-3201	145	45	the	the	DET
ajis02-3201	145	46	depth	depth	NOUN
ajis02-3201	145	47	of	of	ADP
ajis02-3201	145	48	findings	finding	NOUN
ajis02-3201	145	49	but	but	CCONJ
ajis02-3201	145	50	also	also	ADV
ajis02-3201	145	51	in	in	ADP
ajis02-3201	145	52	terms	term	NOUN
ajis02-3201	145	53	of	of	ADP
ajis02-3201	145	54	the	the	DET
ajis02-3201	145	55	variety	variety	NOUN
ajis02-3201	145	56	of	of	ADP
ajis02-3201	145	57	digital	digital	ADJ
ajis02-3201	145	58	innovations	innovation	NOUN
ajis02-3201	145	59	examined	examine	VERB
ajis02-3201	145	60	.	.	PUNCT
ajis02-3201	146	1	due	due	ADP
ajis02-3201	146	2	to	to	ADP
ajis02-3201	146	3	this	this	PRON
ajis02-3201	146	4	,	,	PUNCT
ajis02-3201	146	5	we	we	PRON
ajis02-3201	146	6	expect	expect	VERB
ajis02-3201	146	7	that	that	SCONJ
ajis02-3201	146	8	examining	examine	VERB
ajis02-3201	146	9	the	the	DET
ajis02-3201	146	10	three	three	NUM
ajis02-3201	146	11	levels	level	NOUN
ajis02-3201	146	12	of	of	ADP
ajis02-3201	146	13	resistance	resistance	NOUN
ajis02-3201	146	14	/	/	SYM
ajis02-3201	146	15	non	non	NOUN
ajis02-3201	146	16	-	-	NOUN
ajis02-3201	146	17	adoption	adoption	NOUN
ajis02-3201	146	18	in	in	ADP
ajis02-3201	146	19	the	the	DET
ajis02-3201	146	20	context	context	NOUN
ajis02-3201	146	21	of	of	ADP
ajis02-3201	146	22	mpayments	mpayment	NOUN
ajis02-3201	146	23	during	during	ADP
ajis02-3201	146	24	the	the	DET
ajis02-3201	146	25	pandemic	pandemic	ADJ
ajis02-3201	146	26	will	will	AUX
ajis02-3201	146	27	further	far	ADV
ajis02-3201	146	28	enrich	enrich	VERB
ajis02-3201	146	29	the	the	DET
ajis02-3201	146	30	accumulated	accumulate	VERB
ajis02-3201	146	31	knowledge	knowledge	NOUN
ajis02-3201	146	32	along	along	ADP
ajis02-3201	146	33	with	with	ADP
ajis02-3201	146	34	providing	provide	VERB
ajis02-3201	146	35	useful	useful	ADJ
ajis02-3201	146	36	insights	insight	NOUN
ajis02-3201	146	37	for	for	ADP
ajis02-3201	146	38	researchers	researcher	NOUN
ajis02-3201	146	39	and	and	CCONJ
ajis02-3201	146	40	service	service	NOUN
ajis02-3201	146	41	providers	provider	NOUN
ajis02-3201	146	42	in	in	ADP
ajis02-3201	146	43	the	the	DET
ajis02-3201	146	44	area	area	NOUN
ajis02-3201	146	45	.	.	PUNCT
ajis02-3201	147	1	thus	thus	ADV
ajis02-3201	147	2	,	,	PUNCT
ajis02-3201	147	3	we	we	PRON
ajis02-3201	147	4	propose	propose	VERB
ajis02-3201	147	5	australasian	australasian	ADJ
ajis02-3201	147	6	journal	journal	NOUN
ajis02-3201	147	7	of	of	ADP
ajis02-3201	147	8	information	information	NOUN
ajis02-3201	147	9	systems	system	NOUN
ajis02-3201	147	10	talwar	talwar	PROPN
ajis02-3201	147	11	et	et	PROPN
ajis02-3201	147	12	al	al	PROPN
ajis02-3201	147	13	.	.	PROPN
ajis02-3201	147	14	2021	2021	NUM
ajis02-3201	147	15	,	,	PUNCT
ajis02-3201	147	16	vol	vol	NOUN
ajis02-3201	147	17	25	25	NUM
ajis02-3201	147	18	,	,	PUNCT
ajis02-3201	147	19	research	research	NOUN
ajis02-3201	147	20	on	on	ADP
ajis02-3201	147	21	evaluation	evaluation	NOUN
ajis02-3201	147	22	a	a	DET
ajis02-3201	147	23	study	study	NOUN
ajis02-3201	147	24	of	of	ADP
ajis02-3201	147	25	mobile	mobile	ADJ
ajis02-3201	147	26	payment	payment	NOUN
ajis02-3201	147	27	innovations	innovation	NOUN
ajis02-3201	147	28	of	of	ADP
ajis02-3201	147	29	mobile	mobile	ADJ
ajis02-3201	147	30	applications	application	NOUN
ajis02-3201	147	31	10	10	NUM
ajis02-3201	147	32	to	to	PART
ajis02-3201	147	33	examine	examine	VERB
ajis02-3201	147	34	the	the	DET
ajis02-3201	147	35	effect	effect	NOUN
ajis02-3201	147	36	of	of	ADP
ajis02-3201	147	37	five	five	NUM
ajis02-3201	147	38	classic	classic	ADJ
ajis02-3201	147	39	irt	irt	NOUN
ajis02-3201	147	40	barriers	barrier	NOUN
ajis02-3201	147	41	on	on	ADP
ajis02-3201	147	42	the	the	DET
ajis02-3201	147	43	three	three	NUM
ajis02-3201	147	44	levels	level	NOUN
ajis02-3201	147	45	of	of	ADP
ajis02-3201	147	46	resistance	resistance	NOUN
ajis02-3201	147	47	/	/	SYM
ajis02-3201	147	48	non	non	NOUN
ajis02-3201	147	49	-	-	NOUN
ajis02-3201	147	50	adoption	adoption	NOUN
ajis02-3201	147	51	to	to	PART
ajis02-3201	147	52	uncover	uncover	VERB
ajis02-3201	147	53	their	their	PRON
ajis02-3201	147	54	differential	differential	ADJ
ajis02-3201	147	55	influence	influence	NOUN
ajis02-3201	147	56	.	.	PUNCT
ajis02-3201	148	1	4	4	NUM
ajis02-3201	148	2	data	datum	NOUN
ajis02-3201	148	3	and	and	CCONJ
ajis02-3201	148	4	methods	method	NOUN
ajis02-3201	148	5	the	the	DET
ajis02-3201	148	6	online	online	ADJ
ajis02-3201	148	7	data	data	PROPN
ajis02-3201	148	8	collection	collection	NOUN
ajis02-3201	148	9	method	method	NOUN
ajis02-3201	148	10	is	be	AUX
ajis02-3201	148	11	quite	quite	ADV
ajis02-3201	148	12	popular	popular	ADJ
ajis02-3201	148	13	in	in	ADP
ajis02-3201	148	14	the	the	DET
ajis02-3201	148	15	consumer	consumer	NOUN
ajis02-3201	148	16	behavior	behavior	NOUN
ajis02-3201	148	17	literature	literature	NOUN
ajis02-3201	148	18	(	(	PUNCT
ajis02-3201	148	19	e.g.	e.g.	ADV
ajis02-3201	148	20	,	,	PUNCT
ajis02-3201	148	21	sharma	sharma	PROPN
ajis02-3201	148	22	et	et	PROPN
ajis02-3201	148	23	al	al	PROPN
ajis02-3201	148	24	.	.	PROPN
ajis02-3201	148	25	,	,	PUNCT
ajis02-3201	148	26	2020a	2020a	NUM
ajis02-3201	148	27	;	;	PUNCT
ajis02-3201	148	28	sharma	sharma	PROPN
ajis02-3201	148	29	,	,	PUNCT
ajis02-3201	148	30	singh	singh	PROPN
ajis02-3201	148	31	,	,	PUNCT
ajis02-3201	148	32	&	&	CCONJ
ajis02-3201	148	33	pratt	pratt	PROPN
ajis02-3201	148	34	,	,	PUNCT
ajis02-3201	148	35	2020b	2020b	NUM
ajis02-3201	148	36	)	)	PUNCT
ajis02-3201	148	37	.	.	PUNCT
ajis02-3201	149	1	as	as	ADP
ajis02-3201	149	2	such	such	ADJ
ajis02-3201	149	3	,	,	PUNCT
ajis02-3201	149	4	we	we	PRON
ajis02-3201	149	5	collected	collect	VERB
ajis02-3201	149	6	the	the	DET
ajis02-3201	149	7	data	datum	NOUN
ajis02-3201	149	8	for	for	ADP
ajis02-3201	149	9	the	the	DET
ajis02-3201	149	10	study	study	NOUN
ajis02-3201	149	11	through	through	ADP
ajis02-3201	149	12	an	an	DET
ajis02-3201	149	13	online	online	ADJ
ajis02-3201	149	14	survey	survey	NOUN
ajis02-3201	149	15	conducted	conduct	VERB
ajis02-3201	149	16	in	in	ADP
ajis02-3201	149	17	india	india	PROPN
ajis02-3201	149	18	during	during	ADP
ajis02-3201	149	19	august	august	PROPN
ajis02-3201	149	20	2020	2020	NUM
ajis02-3201	149	21	.	.	PUNCT
ajis02-3201	150	1	the	the	DET
ajis02-3201	150	2	survey	survey	NOUN
ajis02-3201	150	3	link	link	NOUN
ajis02-3201	150	4	was	be	AUX
ajis02-3201	150	5	shared	share	VERB
ajis02-3201	150	6	on	on	ADP
ajis02-3201	150	7	different	different	ADJ
ajis02-3201	150	8	social	social	ADJ
ajis02-3201	150	9	media	medium	NOUN
ajis02-3201	150	10	platforms	platform	NOUN
ajis02-3201	150	11	,	,	PUNCT
ajis02-3201	150	12	including	include	VERB
ajis02-3201	150	13	facebook	facebook	NOUN
ajis02-3201	150	14	and	and	CCONJ
ajis02-3201	150	15	whatsapp	whatsapp	NOUN
ajis02-3201	150	16	.	.	PUNCT
ajis02-3201	151	1	we	we	PRON
ajis02-3201	151	2	followed	follow	VERB
ajis02-3201	151	3	a	a	DET
ajis02-3201	151	4	robust	robust	ADJ
ajis02-3201	151	5	process	process	NOUN
ajis02-3201	151	6	to	to	PART
ajis02-3201	151	7	prepare	prepare	VERB
ajis02-3201	151	8	the	the	DET
ajis02-3201	151	9	survey	survey	NOUN
ajis02-3201	151	10	questionnaire	questionnaire	NOUN
ajis02-3201	151	11	.	.	PUNCT
ajis02-3201	152	1	first	first	ADJ
ajis02-3201	152	2	,	,	PUNCT
ajis02-3201	152	3	informal	informal	ADJ
ajis02-3201	152	4	interviews	interview	NOUN
ajis02-3201	152	5	were	be	AUX
ajis02-3201	152	6	conducted	conduct	VERB
ajis02-3201	152	7	with	with	ADP
ajis02-3201	152	8	seven	seven	NUM
ajis02-3201	152	9	participants	participant	NOUN
ajis02-3201	152	10	representing	represent	VERB
ajis02-3201	152	11	the	the	DET
ajis02-3201	152	12	target	target	NOUN
ajis02-3201	152	13	user	user	NOUN
ajis02-3201	152	14	group	group	NOUN
ajis02-3201	152	15	of	of	ADP
ajis02-3201	152	16	non	non	NOUN
ajis02-3201	152	17	-	-	NOUN
ajis02-3201	152	18	users	user	NOUN
ajis02-3201	152	19	of	of	ADP
ajis02-3201	152	20	mpayments	mpayment	NOUN
ajis02-3201	152	21	and	and	CCONJ
ajis02-3201	152	22	three	three	NUM
ajis02-3201	152	23	experts	expert	NOUN
ajis02-3201	152	24	(	(	PUNCT
ajis02-3201	152	25	two	two	NUM
ajis02-3201	152	26	professors	professor	NOUN
ajis02-3201	152	27	and	and	CCONJ
ajis02-3201	152	28	one	one	NUM
ajis02-3201	152	29	market	market	NOUN
ajis02-3201	152	30	researcher	researcher	NOUN
ajis02-3201	152	31	)	)	PUNCT
ajis02-3201	152	32	.	.	PUNCT
ajis02-3201	153	1	the	the	DET
ajis02-3201	153	2	purpose	purpose	NOUN
ajis02-3201	153	3	of	of	ADP
ajis02-3201	153	4	these	these	DET
ajis02-3201	153	5	interviews	interview	NOUN
ajis02-3201	153	6	was	be	AUX
ajis02-3201	153	7	to	to	PART
ajis02-3201	153	8	evaluate	evaluate	VERB
ajis02-3201	153	9	the	the	DET
ajis02-3201	153	10	content	content	NOUN
ajis02-3201	153	11	and	and	CCONJ
ajis02-3201	153	12	face	face	VERB
ajis02-3201	153	13	validity	validity	NOUN
ajis02-3201	153	14	of	of	ADP
ajis02-3201	153	15	the	the	DET
ajis02-3201	153	16	preliminary	preliminary	ADJ
ajis02-3201	153	17	questionnaire	questionnaire	NOUN
ajis02-3201	153	18	,	,	PUNCT
ajis02-3201	153	19	which	which	PRON
ajis02-3201	153	20	had	have	AUX
ajis02-3201	153	21	been	be	AUX
ajis02-3201	153	22	prepared	prepare	VERB
ajis02-3201	153	23	by	by	ADP
ajis02-3201	153	24	adapting	adapt	VERB
ajis02-3201	153	25	pre	pre	VERB
ajis02-3201	153	26	-	-	VERB
ajis02-3201	153	27	validated	validated	ADJ
ajis02-3201	153	28	,	,	PUNCT
ajis02-3201	153	29	multi	multi	ADJ
ajis02-3201	153	30	-	-	ADJ
ajis02-3201	153	31	item	item	ADJ
ajis02-3201	153	32	scales	scale	NOUN
ajis02-3201	153	33	,	,	PUNCT
ajis02-3201	153	34	to	to	PART
ajis02-3201	153	35	assess	assess	VERB
ajis02-3201	153	36	the	the	DET
ajis02-3201	153	37	relevance	relevance	NOUN
ajis02-3201	153	38	,	,	PUNCT
ajis02-3201	153	39	semantics	semantic	NOUN
ajis02-3201	153	40	,	,	PUNCT
ajis02-3201	153	41	and	and	CCONJ
ajis02-3201	153	42	clarity	clarity	NOUN
ajis02-3201	153	43	of	of	ADP
ajis02-3201	153	44	each	each	DET
ajis02-3201	153	45	item	item	NOUN
ajis02-3201	153	46	included	include	VERB
ajis02-3201	153	47	.	.	PUNCT
ajis02-3201	154	1	profile	profile	NOUN
ajis02-3201	154	2	frequency	frequency	NOUN
ajis02-3201	154	3	%	%	NOUN
ajis02-3201	154	4	gender	gender	NOUN
ajis02-3201	154	5	female	female	NOUN
ajis02-3201	154	6	161	161	NUM
ajis02-3201	154	7	39.66	39.66	NUM
ajis02-3201	154	8	male	male	NOUN
ajis02-3201	154	9	245	245	NUM
ajis02-3201	154	10	60.34	60.34	NUM
ajis02-3201	154	11	age	age	NOUN
ajis02-3201	154	12	group	group	NOUN
ajis02-3201	154	13	25	25	NUM
ajis02-3201	154	14	years	year	NOUN
ajis02-3201	154	15	and	and	CCONJ
ajis02-3201	154	16	below	below	ADP
ajis02-3201	154	17	74	74	NUM
ajis02-3201	154	18	18.23	18.23	NUM
ajis02-3201	154	19	26	26	NUM
ajis02-3201	154	20	-	-	SYM
ajis02-3201	154	21	35	35	NUM
ajis02-3201	154	22	years	year	NOUN
ajis02-3201	154	23	113	113	NUM
ajis02-3201	154	24	27.83	27.83	NUM
ajis02-3201	154	25	36	36	NUM
ajis02-3201	154	26	-	-	SYM
ajis02-3201	154	27	45	45	NUM
ajis02-3201	154	28	years	year	NOUN
ajis02-3201	154	29	105	105	NUM
ajis02-3201	154	30	25.86	25.86	NUM
ajis02-3201	154	31	46	46	NUM
ajis02-3201	154	32	-	-	SYM
ajis02-3201	154	33	55	55	NUM
ajis02-3201	154	34	years	year	NOUN
ajis02-3201	154	35	95	95	NUM
ajis02-3201	154	36	23.40	23.40	NUM
ajis02-3201	154	37	56	56	NUM
ajis02-3201	154	38	and	and	CCONJ
ajis02-3201	154	39	above	above	ADP
ajis02-3201	154	40	19	19	NUM
ajis02-3201	154	41	4.68	4.68	NUM
ajis02-3201	154	42	monthly	monthly	ADJ
ajis02-3201	154	43	income	income	NOUN
ajis02-3201	154	44	(	(	PUNCT
ajis02-3201	154	45	inr	inr	PROPN
ajis02-3201	154	46	)	)	PUNCT
ajis02-3201	154	47	25000	25000	NUM
ajis02-3201	154	48	or	or	CCONJ
ajis02-3201	154	49	less	less	ADJ
ajis02-3201	154	50	16	16	NUM
ajis02-3201	154	51	3.94	3.94	NUM
ajis02-3201	154	52	2500150000	2500150000	NUM
ajis02-3201	154	53	116	116	NUM
ajis02-3201	154	54	28.57	28.57	NUM
ajis02-3201	154	55	50001	50001	NUM
ajis02-3201	154	56	-	-	SYM
ajis02-3201	154	57	75000	75000	NUM
ajis02-3201	154	58	172	172	NUM
ajis02-3201	154	59	42.36	42.36	NUM
ajis02-3201	154	60	75001	75001	NUM
ajis02-3201	154	61	-	-	SYM
ajis02-3201	154	62	100000	100000	NUM
ajis02-3201	154	63	57	57	NUM
ajis02-3201	154	64	14.04	14.04	NUM
ajis02-3201	154	65	more	more	ADJ
ajis02-3201	154	66	than	than	ADP
ajis02-3201	154	67	100000	100000	NUM
ajis02-3201	154	68	45	45	NUM
ajis02-3201	154	69	11.08	11.08	NUM
ajis02-3201	154	70	educational	educational	ADJ
ajis02-3201	154	71	background	background	NOUN
ajis02-3201	154	72	pursuing	pursue	VERB
ajis02-3201	154	73	/	/	SYM
ajis02-3201	154	74	completed	complete	VERB
ajis02-3201	154	75	graduate	graduate	NOUN
ajis02-3201	154	76	degree	degree	NOUN
ajis02-3201	154	77	169	169	NUM
ajis02-3201	154	78	41.63	41.63	NUM
ajis02-3201	154	79	pursuing	pursue	VERB
ajis02-3201	154	80	/	/	PUNCT
ajis02-3201	154	81	completed	complete	VERB
ajis02-3201	154	82	a	a	DET
ajis02-3201	154	83	post	post	ADJ
ajis02-3201	154	84	-	-	ADJ
ajis02-3201	154	85	graduate	graduate	ADJ
ajis02-3201	154	86	degree	degree	NOUN
ajis02-3201	154	87	208	208	NUM
ajis02-3201	154	88	51.23	51.23	NUM
ajis02-3201	154	89	pursuing	pursue	VERB
ajis02-3201	154	90	/	/	SYM
ajis02-3201	154	91	completed	complete	VERB
ajis02-3201	154	92	doctorate	doctorate	NOUN
ajis02-3201	154	93	(	(	PUNCT
ajis02-3201	154	94	phd	phd	NOUN
ajis02-3201	154	95	or	or	CCONJ
ajis02-3201	154	96	equivalent	equivalent	ADJ
ajis02-3201	154	97	)	)	PUNCT
ajis02-3201	154	98	29	29	NUM
ajis02-3201	154	99	7.14	7.14	NUM
ajis02-3201	154	100	household	household	NOUN
ajis02-3201	154	101	size	size	NOUN
ajis02-3201	154	102	single	single	ADJ
ajis02-3201	154	103	54	54	NUM
ajis02-3201	154	104	13.30	13.30	NUM
ajis02-3201	154	105	married	married	ADJ
ajis02-3201	154	106	but	but	CCONJ
ajis02-3201	154	107	no	no	DET
ajis02-3201	154	108	children	child	NOUN
ajis02-3201	154	109	93	93	NUM
ajis02-3201	154	110	22.91	22.91	NUM
ajis02-3201	154	111	married	married	ADJ
ajis02-3201	154	112	and	and	CCONJ
ajis02-3201	154	113	one	one	NUM
ajis02-3201	154	114	child	child	NOUN
ajis02-3201	154	115	221	221	NUM
ajis02-3201	154	116	54.43	54.43	NUM
ajis02-3201	154	117	married	married	ADJ
ajis02-3201	154	118	and	and	CCONJ
ajis02-3201	154	119	more	more	ADJ
ajis02-3201	154	120	than	than	ADP
ajis02-3201	154	121	one	one	NUM
ajis02-3201	154	122	child	child	NOUN
ajis02-3201	154	123	38	38	NUM
ajis02-3201	154	124	9.36	9.36	NUM
ajis02-3201	154	125	table	table	NOUN
ajis02-3201	154	126	1	1	NUM
ajis02-3201	154	127	.	.	PUNCT
ajis02-3201	154	128	socio	socio	NOUN
ajis02-3201	154	129	-	-	ADJ
ajis02-3201	154	130	demographic	demographic	ADJ
ajis02-3201	154	131	profile	profile	NOUN
ajis02-3201	154	132	of	of	ADP
ajis02-3201	154	133	respondents	respondent	NOUN
ajis02-3201	154	134	we	we	PRON
ajis02-3201	154	135	used	use	VERB
ajis02-3201	154	136	the	the	DET
ajis02-3201	154	137	input	input	NOUN
ajis02-3201	154	138	from	from	ADP
ajis02-3201	154	139	the	the	DET
ajis02-3201	154	140	interviews	interview	NOUN
ajis02-3201	154	141	to	to	PART
ajis02-3201	154	142	modify	modify	VERB
ajis02-3201	154	143	the	the	DET
ajis02-3201	154	144	items	item	NOUN
ajis02-3201	154	145	and	and	CCONJ
ajis02-3201	154	146	prepare	prepare	VERB
ajis02-3201	154	147	the	the	DET
ajis02-3201	154	148	final	final	ADJ
ajis02-3201	154	149	survey	survey	NOUN
ajis02-3201	154	150	instrument	instrument	NOUN
ajis02-3201	154	151	.	.	PUNCT
ajis02-3201	155	1	all	all	DET
ajis02-3201	155	2	items	item	NOUN
ajis02-3201	155	3	were	be	AUX
ajis02-3201	155	4	measured	measure	VERB
ajis02-3201	155	5	on	on	ADP
ajis02-3201	155	6	a	a	DET
ajis02-3201	155	7	5	5	NUM
ajis02-3201	155	8	-	-	PUNCT
ajis02-3201	155	9	point	point	NOUN
ajis02-3201	155	10	scale	scale	NOUN
ajis02-3201	155	11	varying	vary	VERB
ajis02-3201	155	12	from	from	ADP
ajis02-3201	155	13	'	'	NUM
ajis02-3201	155	14	1	1	NUM
ajis02-3201	155	15	'	'	PUNCT
ajis02-3201	155	16	=	=	PRON
ajis02-3201	155	17	strongly	strongly	ADV
ajis02-3201	155	18	disagree	disagree	VERB
ajis02-3201	155	19	australasian	australasian	ADJ
ajis02-3201	155	20	journal	journal	NOUN
ajis02-3201	155	21	of	of	ADP
ajis02-3201	155	22	information	information	NOUN
ajis02-3201	155	23	systems	system	NOUN
ajis02-3201	155	24	talwar	talwar	PROPN
ajis02-3201	155	25	et	et	PROPN
ajis02-3201	155	26	al	al	PROPN
ajis02-3201	155	27	.	.	PROPN
ajis02-3201	155	28	2021	2021	NUM
ajis02-3201	155	29	,	,	PUNCT
ajis02-3201	155	30	vol	vol	NOUN
ajis02-3201	155	31	25	25	NUM
ajis02-3201	155	32	,	,	PUNCT
ajis02-3201	155	33	research	research	NOUN
ajis02-3201	155	34	on	on	ADP
ajis02-3201	155	35	evaluation	evaluation	NOUN
ajis02-3201	155	36	a	a	DET
ajis02-3201	155	37	study	study	NOUN
ajis02-3201	155	38	of	of	ADP
ajis02-3201	155	39	mobile	mobile	ADJ
ajis02-3201	155	40	payment	payment	NOUN
ajis02-3201	155	41	innovations	innovation	NOUN
ajis02-3201	155	42	of	of	ADP
ajis02-3201	155	43	mobile	mobile	ADJ
ajis02-3201	155	44	applications	application	NOUN
ajis02-3201	155	45	11	11	NUM
ajis02-3201	155	46	and	and	CCONJ
ajis02-3201	155	47	'	'	PUNCT
ajis02-3201	155	48	5	5	NUM
ajis02-3201	155	49	'	'	PUNCT
ajis02-3201	155	50	=	=	NOUN
ajis02-3201	155	51	strongly	strongly	ADV
ajis02-3201	155	52	agree	agree	VERB
ajis02-3201	155	53	.	.	PUNCT
ajis02-3201	156	1	all	all	DET
ajis02-3201	156	2	five	five	NUM
ajis02-3201	156	3	barriers	barrier	NOUN
ajis02-3201	156	4	were	be	AUX
ajis02-3201	156	5	measured	measure	VERB
ajis02-3201	156	6	through	through	ADP
ajis02-3201	156	7	a	a	DET
ajis02-3201	156	8	5	5	NUM
ajis02-3201	156	9	-	-	PUNCT
ajis02-3201	156	10	item	item	NOUN
ajis02-3201	156	11	scale	scale	NOUN
ajis02-3201	156	12	,	,	PUNCT
ajis02-3201	156	13	with	with	ADP
ajis02-3201	156	14	the	the	DET
ajis02-3201	156	15	exception	exception	NOUN
ajis02-3201	156	16	of	of	ADP
ajis02-3201	156	17	the	the	DET
ajis02-3201	156	18	value	value	NOUN
ajis02-3201	156	19	barrier	barrier	NOUN
ajis02-3201	156	20	,	,	PUNCT
ajis02-3201	156	21	which	which	PRON
ajis02-3201	156	22	was	be	AUX
ajis02-3201	156	23	measured	measure	VERB
ajis02-3201	156	24	through	through	ADP
ajis02-3201	156	25	a	a	DET
ajis02-3201	156	26	4	4	NUM
ajis02-3201	156	27	-	-	PUNCT
ajis02-3201	156	28	item	item	NOUN
ajis02-3201	156	29	scale	scale	NOUN
ajis02-3201	156	30	adapted	adapt	VERB
ajis02-3201	156	31	from	from	ADP
ajis02-3201	156	32	kaur	kaur	PROPN
ajis02-3201	156	33	et	et	PROPN
ajis02-3201	156	34	al	al	PROPN
ajis02-3201	156	35	.	.	PROPN
ajis02-3201	156	36	(	(	PUNCT
ajis02-3201	156	37	2020a	2020a	NUM
ajis02-3201	156	38	)	)	PUNCT
ajis02-3201	156	39	,	,	PUNCT
ajis02-3201	156	40	laukkanen	laukkanen	PROPN
ajis02-3201	156	41	(	(	PUNCT
ajis02-3201	156	42	2016	2016	NUM
ajis02-3201	156	43	)	)	PUNCT
ajis02-3201	156	44	,	,	PUNCT
ajis02-3201	156	45	and	and	CCONJ
ajis02-3201	156	46	talwar	talwar	PROPN
ajis02-3201	156	47	et	et	PROPN
ajis02-3201	156	48	al	al	PROPN
ajis02-3201	156	49	.	.	PROPN
ajis02-3201	156	50	(	(	PUNCT
ajis02-3201	156	51	2020b	2020b	NUM
ajis02-3201	156	52	)	)	PUNCT
ajis02-3201	156	53	.	.	PUNCT
ajis02-3201	157	1	the	the	DET
ajis02-3201	157	2	three	three	NUM
ajis02-3201	157	3	levels	level	NOUN
ajis02-3201	157	4	of	of	ADP
ajis02-3201	157	5	resistance	resistance	NOUN
ajis02-3201	157	6	/	/	SYM
ajis02-3201	157	7	nonadoption	nonadoption	NOUN
ajis02-3201	157	8	were	be	AUX
ajis02-3201	157	9	measured	measure	VERB
ajis02-3201	157	10	through	through	ADP
ajis02-3201	157	11	a	a	DET
ajis02-3201	157	12	5	5	NUM
ajis02-3201	157	13	-	-	PUNCT
ajis02-3201	157	14	item	item	NOUN
ajis02-3201	157	15	scale	scale	NOUN
ajis02-3201	157	16	for	for	ADP
ajis02-3201	157	17	postponement	postponement	NOUN
ajis02-3201	157	18	and	and	CCONJ
ajis02-3201	157	19	opposition	opposition	NOUN
ajis02-3201	157	20	and	and	CCONJ
ajis02-3201	157	21	a	a	DET
ajis02-3201	157	22	4item	4item	NUM
ajis02-3201	157	23	scale	scale	NOUN
ajis02-3201	157	24	for	for	ADP
ajis02-3201	157	25	rejection	rejection	NOUN
ajis02-3201	157	26	,	,	PUNCT
ajis02-3201	157	27	which	which	PRON
ajis02-3201	157	28	was	be	AUX
ajis02-3201	157	29	adapted	adapt	VERB
ajis02-3201	157	30	from	from	ADP
ajis02-3201	157	31	chen	chen	PROPN
ajis02-3201	157	32	et	et	PROPN
ajis02-3201	157	33	al	al	PROPN
ajis02-3201	157	34	.	.	PROPN
ajis02-3201	158	1	(	(	PUNCT
ajis02-3201	158	2	2019	2019	NUM
ajis02-3201	158	3	)	)	PUNCT
ajis02-3201	158	4	and	and	CCONJ
ajis02-3201	158	5	park	park	NOUN
ajis02-3201	158	6	and	and	CCONJ
ajis02-3201	158	7	koh	koh	PROPN
ajis02-3201	158	8	(	(	PUNCT
ajis02-3201	158	9	2017	2017	NUM
ajis02-3201	158	10	)	)	PUNCT
ajis02-3201	158	11	.	.	PUNCT
ajis02-3201	159	1	the	the	DET
ajis02-3201	159	2	first	first	ADJ
ajis02-3201	159	3	page	page	NOUN
ajis02-3201	159	4	of	of	ADP
ajis02-3201	159	5	the	the	DET
ajis02-3201	159	6	online	online	ADJ
ajis02-3201	159	7	survey	survey	NOUN
ajis02-3201	159	8	clarified	clarify	VERB
ajis02-3201	159	9	the	the	DET
ajis02-3201	159	10	study	study	NOUN
ajis02-3201	159	11	objectives	objective	NOUN
ajis02-3201	159	12	,	,	PUNCT
ajis02-3201	159	13	the	the	DET
ajis02-3201	159	14	preservation	preservation	NOUN
ajis02-3201	159	15	of	of	ADP
ajis02-3201	159	16	anonymity	anonymity	NOUN
ajis02-3201	159	17	,	,	PUNCT
ajis02-3201	159	18	and	and	CCONJ
ajis02-3201	159	19	the	the	DET
ajis02-3201	159	20	absence	absence	NOUN
ajis02-3201	159	21	of	of	ADP
ajis02-3201	159	22	an	an	DET
ajis02-3201	159	23	incentive	incentive	NOUN
ajis02-3201	159	24	for	for	ADP
ajis02-3201	159	25	responding	respond	VERB
ajis02-3201	159	26	to	to	ADP
ajis02-3201	159	27	the	the	DET
ajis02-3201	159	28	survey	survey	NOUN
ajis02-3201	159	29	questions	question	NOUN
ajis02-3201	159	30	.	.	PUNCT
ajis02-3201	160	1	we	we	PRON
ajis02-3201	160	2	recruited	recruit	VERB
ajis02-3201	160	3	respondents	respondent	NOUN
ajis02-3201	160	4	using	use	VERB
ajis02-3201	160	5	three	three	NUM
ajis02-3201	160	6	screening	screening	NOUN
ajis02-3201	160	7	criteria	criterion	NOUN
ajis02-3201	160	8	:	:	PUNCT
ajis02-3201	160	9	(	(	PUNCT
ajis02-3201	160	10	a	a	X
ajis02-3201	160	11	)	)	PUNCT
ajis02-3201	160	12	they	they	PRON
ajis02-3201	160	13	should	should	AUX
ajis02-3201	160	14	be	be	AUX
ajis02-3201	160	15	non	non	NOUN
ajis02-3201	160	16	-	-	NOUN
ajis02-3201	160	17	users	user	NOUN
ajis02-3201	160	18	of	of	ADP
ajis02-3201	160	19	mwallets	mwallet	NOUN
ajis02-3201	160	20	(	(	PUNCT
ajis02-3201	160	21	representing	represent	VERB
ajis02-3201	160	22	m	m	NOUN
ajis02-3201	160	23	-	-	NOUN
ajis02-3201	160	24	payments	payment	NOUN
ajis02-3201	160	25	)	)	PUNCT
ajis02-3201	160	26	before	before	ADP
ajis02-3201	160	27	and	and	CCONJ
ajis02-3201	160	28	during	during	ADP
ajis02-3201	160	29	the	the	DET
ajis02-3201	160	30	covid-19	covid-19	PROPN
ajis02-3201	160	31	pandemic	pandemic	NOUN
ajis02-3201	160	32	,	,	PUNCT
ajis02-3201	160	33	(	(	PUNCT
ajis02-3201	160	34	b	b	X
ajis02-3201	160	35	)	)	PUNCT
ajis02-3201	160	36	they	they	PRON
ajis02-3201	160	37	should	should	AUX
ajis02-3201	160	38	possess	possess	VERB
ajis02-3201	160	39	a	a	DET
ajis02-3201	160	40	smartphone	smartphone	NOUN
ajis02-3201	160	41	and	and	CCONJ
ajis02-3201	160	42	have	have	VERB
ajis02-3201	160	43	experience	experience	NOUN
ajis02-3201	160	44	using	use	VERB
ajis02-3201	160	45	mobile	mobile	ADJ
ajis02-3201	160	46	apps	app	NOUN
ajis02-3201	160	47	,	,	PUNCT
ajis02-3201	160	48	and	and	CCONJ
ajis02-3201	160	49	(	(	PUNCT
ajis02-3201	160	50	c	c	X
ajis02-3201	160	51	)	)	PUNCT
ajis02-3201	160	52	they	they	PRON
ajis02-3201	160	53	should	should	AUX
ajis02-3201	160	54	be	be	AUX
ajis02-3201	160	55	aware	aware	ADJ
ajis02-3201	160	56	of	of	ADP
ajis02-3201	160	57	different	different	ADJ
ajis02-3201	160	58	m	m	ADJ
ajis02-3201	160	59	-	-	PUNCT
ajis02-3201	160	60	payment	payment	NOUN
ajis02-3201	160	61	methods	method	NOUN
ajis02-3201	160	62	.	.	PUNCT
ajis02-3201	161	1	india	india	PROPN
ajis02-3201	161	2	was	be	AUX
ajis02-3201	161	3	selected	select	VERB
ajis02-3201	161	4	as	as	ADP
ajis02-3201	161	5	the	the	DET
ajis02-3201	161	6	geography	geography	NOUN
ajis02-3201	161	7	of	of	ADP
ajis02-3201	161	8	interest	interest	NOUN
ajis02-3201	161	9	since	since	SCONJ
ajis02-3201	161	10	scholars	scholar	NOUN
ajis02-3201	161	11	have	have	AUX
ajis02-3201	161	12	noted	note	VERB
ajis02-3201	161	13	that	that	SCONJ
ajis02-3201	161	14	despite	despite	SCONJ
ajis02-3201	161	15	the	the	DET
ajis02-3201	161	16	recent	recent	ADJ
ajis02-3201	161	17	push	push	NOUN
ajis02-3201	161	18	by	by	ADP
ajis02-3201	161	19	the	the	DET
ajis02-3201	161	20	indian	indian	ADJ
ajis02-3201	161	21	government	government	NOUN
ajis02-3201	161	22	to	to	PART
ajis02-3201	161	23	promote	promote	VERB
ajis02-3201	161	24	mpayment	mpayment	ADJ
ajis02-3201	161	25	use	use	NOUN
ajis02-3201	161	26	(	(	PUNCT
ajis02-3201	161	27	jakhiya	jakhiya	PROPN
ajis02-3201	161	28	,	,	PUNCT
ajis02-3201	161	29	bishnoi	bishnoi	PROPN
ajis02-3201	161	30	,	,	PUNCT
ajis02-3201	161	31	&	&	CCONJ
ajis02-3201	161	32	purohit	purohit	PROPN
ajis02-3201	161	33	,	,	PUNCT
ajis02-3201	161	34	2020	2020	NUM
ajis02-3201	161	35	)	)	PUNCT
ajis02-3201	161	36	,	,	PUNCT
ajis02-3201	161	37	the	the	DET
ajis02-3201	161	38	usage	usage	NOUN
ajis02-3201	161	39	of	of	ADP
ajis02-3201	161	40	such	such	ADJ
ajis02-3201	161	41	methods	method	NOUN
ajis02-3201	161	42	,	,	PUNCT
ajis02-3201	161	43	particularly	particularly	ADV
ajis02-3201	161	44	mwallets	mwallet	NOUN
ajis02-3201	161	45	,	,	PUNCT
ajis02-3201	161	46	has	have	AUX
ajis02-3201	161	47	not	not	PART
ajis02-3201	161	48	increased	increase	VERB
ajis02-3201	161	49	much	much	ADV
ajis02-3201	161	50	(	(	PUNCT
ajis02-3201	161	51	talwar	talwar	PROPN
ajis02-3201	161	52	,	,	PUNCT
ajis02-3201	161	53	talwar	talwar	PROPN
ajis02-3201	161	54	,	,	PUNCT
ajis02-3201	161	55	najmul	najmul	PROPN
ajis02-3201	161	56	islam	islam	PROPN
ajis02-3201	161	57	,	,	PUNCT
ajis02-3201	161	58	&	&	CCONJ
ajis02-3201	161	59	dhir	dhir	ADJ
ajis02-3201	161	60	,	,	PUNCT
ajis02-3201	161	61	2020e	2020e	NUM
ajis02-3201	161	62	)	)	PUNCT
ajis02-3201	161	63	.	.	PUNCT
ajis02-3201	162	1	for	for	ADP
ajis02-3201	162	2	instance	instance	NOUN
ajis02-3201	162	3	,	,	PUNCT
ajis02-3201	162	4	only	only	ADV
ajis02-3201	162	5	6	6	NUM
ajis02-3201	162	6	%	%	NOUN
ajis02-3201	162	7	of	of	ADP
ajis02-3201	162	8	indians	indians	PROPN
ajis02-3201	162	9	use	use	VERB
ajis02-3201	162	10	m	m	NOUN
ajis02-3201	162	11	-	-	PUNCT
ajis02-3201	162	12	wallets	wallet	NOUN
ajis02-3201	162	13	compared	compare	VERB
ajis02-3201	162	14	with	with	ADP
ajis02-3201	162	15	36	36	NUM
ajis02-3201	162	16	%	%	NOUN
ajis02-3201	162	17	of	of	ADP
ajis02-3201	162	18	users	user	NOUN
ajis02-3201	162	19	in	in	ADP
ajis02-3201	162	20	china	china	PROPN
ajis02-3201	162	21	(	(	PUNCT
ajis02-3201	162	22	bepari	bepari	PROPN
ajis02-3201	162	23	,	,	PUNCT
ajis02-3201	162	24	2019	2019	NUM
ajis02-3201	162	25	)	)	PUNCT
ajis02-3201	162	26	.	.	PUNCT
ajis02-3201	163	1	resistance	resistance	NOUN
ajis02-3201	163	2	toward	toward	ADP
ajis02-3201	163	3	m	m	NOUN
ajis02-3201	163	4	-	-	NOUN
ajis02-3201	163	5	payments	payment	NOUN
ajis02-3201	163	6	has	have	AUX
ajis02-3201	163	7	continued	continue	VERB
ajis02-3201	163	8	to	to	PART
ajis02-3201	163	9	manifest	manifest	VERB
ajis02-3201	163	10	even	even	ADV
ajis02-3201	163	11	during	during	ADP
ajis02-3201	163	12	the	the	DET
ajis02-3201	163	13	pandemic	pandemic	ADJ
ajis02-3201	163	14	(	(	PUNCT
ajis02-3201	163	15	khanra	khanra	NOUN
ajis02-3201	163	16	et	et	PROPN
ajis02-3201	163	17	al	al	PROPN
ajis02-3201	163	18	.	.	PROPN
ajis02-3201	163	19	,	,	PUNCT
ajis02-3201	163	20	2021	2021	NUM
ajis02-3201	163	21	)	)	PUNCT
ajis02-3201	163	22	,	,	PUNCT
ajis02-3201	163	23	despite	despite	SCONJ
ajis02-3201	163	24	the	the	DET
ajis02-3201	163	25	health	health	NOUN
ajis02-3201	163	26	benefit	benefit	NOUN
ajis02-3201	163	27	of	of	ADP
ajis02-3201	163	28	using	use	VERB
ajis02-3201	163	29	contactless	contactless	ADJ
ajis02-3201	163	30	payment	payment	NOUN
ajis02-3201	163	31	methods	method	NOUN
ajis02-3201	163	32	.	.	PUNCT
ajis02-3201	164	1	given	give	VERB
ajis02-3201	164	2	that	that	SCONJ
ajis02-3201	164	3	india	india	PROPN
ajis02-3201	164	4	has	have	AUX
ajis02-3201	164	5	a	a	DET
ajis02-3201	164	6	large	large	ADJ
ajis02-3201	164	7	number	number	NOUN
ajis02-3201	164	8	of	of	ADP
ajis02-3201	164	9	smartphone	smartphone	NOUN
ajis02-3201	164	10	users	user	NOUN
ajis02-3201	164	11	and	and	CCONJ
ajis02-3201	164	12	significantly	significantly	ADV
ajis02-3201	164	13	improved	improve	VERB
ajis02-3201	164	14	internet	internet	NOUN
ajis02-3201	164	15	connectivity	connectivity	NOUN
ajis02-3201	164	16	,	,	PUNCT
ajis02-3201	164	17	the	the	DET
ajis02-3201	164	18	reasons	reason	NOUN
ajis02-3201	164	19	for	for	ADP
ajis02-3201	164	20	non	non	ADJ
ajis02-3201	164	21	-	-	NOUN
ajis02-3201	164	22	adoption	adoption	NOUN
ajis02-3201	164	23	of	of	ADP
ajis02-3201	164	24	m	m	NOUN
ajis02-3201	164	25	-	-	NOUN
ajis02-3201	164	26	payments	payment	NOUN
ajis02-3201	164	27	go	go	VERB
ajis02-3201	164	28	beyond	beyond	ADP
ajis02-3201	164	29	infrastructural	infrastructural	ADJ
ajis02-3201	164	30	issues	issue	NOUN
ajis02-3201	164	31	.	.	PUNCT
ajis02-3201	165	1	there	there	PRON
ajis02-3201	165	2	is	be	VERB
ajis02-3201	165	3	thus	thus	ADV
ajis02-3201	165	4	a	a	DET
ajis02-3201	165	5	need	need	NOUN
ajis02-3201	165	6	to	to	PART
ajis02-3201	165	7	understand	understand	VERB
ajis02-3201	165	8	this	this	DET
ajis02-3201	165	9	phenomenon	phenomenon	NOUN
ajis02-3201	165	10	better	well	ADV
ajis02-3201	165	11	to	to	PART
ajis02-3201	165	12	help	help	VERB
ajis02-3201	165	13	the	the	DET
ajis02-3201	165	14	regulators	regulator	NOUN
ajis02-3201	165	15	and	and	CCONJ
ajis02-3201	165	16	service	service	NOUN
ajis02-3201	165	17	providers	provider	NOUN
ajis02-3201	165	18	develop	develop	VERB
ajis02-3201	165	19	and	and	CCONJ
ajis02-3201	165	20	implement	implement	VERB
ajis02-3201	165	21	strategies	strategy	NOUN
ajis02-3201	165	22	to	to	PART
ajis02-3201	165	23	lower	lower	VERB
ajis02-3201	165	24	such	such	ADJ
ajis02-3201	165	25	resistance	resistance	NOUN
ajis02-3201	165	26	.	.	PUNCT
ajis02-3201	166	1	we	we	PRON
ajis02-3201	166	2	received	receive	VERB
ajis02-3201	166	3	450	450	NUM
ajis02-3201	166	4	responses	response	NOUN
ajis02-3201	166	5	,	,	PUNCT
ajis02-3201	166	6	and	and	CCONJ
ajis02-3201	166	7	the	the	DET
ajis02-3201	166	8	final	final	ADJ
ajis02-3201	166	9	dataset	dataset	NOUN
ajis02-3201	166	10	of	of	ADP
ajis02-3201	166	11	406	406	NUM
ajis02-3201	166	12	was	be	AUX
ajis02-3201	166	13	taken	take	VERB
ajis02-3201	166	14	forward	forward	ADV
ajis02-3201	166	15	for	for	ADP
ajis02-3201	166	16	further	further	ADJ
ajis02-3201	166	17	analysis	analysis	NOUN
ajis02-3201	166	18	after	after	ADP
ajis02-3201	166	19	removing	remove	VERB
ajis02-3201	166	20	44	44	NUM
ajis02-3201	166	21	invalid	invalid	ADJ
ajis02-3201	166	22	responses	response	NOUN
ajis02-3201	166	23	.	.	PUNCT
ajis02-3201	167	1	table	table	NOUN
ajis02-3201	167	2	1	1	NUM
ajis02-3201	167	3	presents	present	VERB
ajis02-3201	167	4	the	the	DET
ajis02-3201	167	5	socio	socio	NOUN
ajis02-3201	167	6	-	-	PUNCT
ajis02-3201	167	7	demographic	demographic	ADJ
ajis02-3201	167	8	profile	profile	NOUN
ajis02-3201	167	9	of	of	ADP
ajis02-3201	167	10	the	the	DET
ajis02-3201	167	11	respondents	respondent	NOUN
ajis02-3201	167	12	in	in	ADP
ajis02-3201	167	13	terms	term	NOUN
ajis02-3201	167	14	of	of	ADP
ajis02-3201	167	15	their	their	PRON
ajis02-3201	167	16	age	age	NOUN
ajis02-3201	167	17	,	,	PUNCT
ajis02-3201	167	18	gender	gender	NOUN
ajis02-3201	167	19	,	,	PUNCT
ajis02-3201	167	20	monthly	monthly	ADJ
ajis02-3201	167	21	income	income	NOUN
ajis02-3201	167	22	,	,	PUNCT
ajis02-3201	167	23	educational	educational	ADJ
ajis02-3201	167	24	background	background	NOUN
ajis02-3201	167	25	,	,	PUNCT
ajis02-3201	167	26	and	and	CCONJ
ajis02-3201	167	27	household	household	NOUN
ajis02-3201	167	28	size	size	NOUN
ajis02-3201	167	29	.	.	PUNCT
ajis02-3201	168	1	we	we	PRON
ajis02-3201	168	2	analyzed	analyze	VERB
ajis02-3201	168	3	the	the	DET
ajis02-3201	168	4	data	datum	NOUN
ajis02-3201	168	5	using	use	VERB
ajis02-3201	168	6	the	the	DET
ajis02-3201	168	7	ann	ann	PROPN
ajis02-3201	168	8	method	method	NOUN
ajis02-3201	168	9	since	since	SCONJ
ajis02-3201	168	10	it	it	PRON
ajis02-3201	168	11	was	be	AUX
ajis02-3201	168	12	the	the	DET
ajis02-3201	168	13	most	most	ADV
ajis02-3201	168	14	suitable	suitable	ADJ
ajis02-3201	168	15	approach	approach	NOUN
ajis02-3201	168	16	,	,	PUNCT
ajis02-3201	168	17	given	give	VERB
ajis02-3201	168	18	the	the	DET
ajis02-3201	168	19	sample	sample	NOUN
ajis02-3201	168	20	size	size	NOUN
ajis02-3201	168	21	and	and	CCONJ
ajis02-3201	168	22	multivariate	multivariate	NOUN
ajis02-3201	168	23	characteristics	characteristic	NOUN
ajis02-3201	168	24	of	of	ADP
ajis02-3201	168	25	the	the	DET
ajis02-3201	168	26	data	datum	NOUN
ajis02-3201	168	27	collected	collect	VERB
ajis02-3201	168	28	.	.	PUNCT
ajis02-3201	169	1	ann	ann	PROPN
ajis02-3201	169	2	is	be	AUX
ajis02-3201	169	3	a	a	DET
ajis02-3201	169	4	novel	novel	ADJ
ajis02-3201	169	5	approach	approach	NOUN
ajis02-3201	169	6	that	that	PRON
ajis02-3201	169	7	yields	yield	VERB
ajis02-3201	169	8	robust	robust	ADJ
ajis02-3201	169	9	results	result	NOUN
ajis02-3201	169	10	,	,	PUNCT
ajis02-3201	169	11	yet	yet	CCONJ
ajis02-3201	169	12	it	it	PRON
ajis02-3201	169	13	is	be	AUX
ajis02-3201	169	14	less	less	ADV
ajis02-3201	169	15	utilized	utilize	VERB
ajis02-3201	169	16	as	as	ADP
ajis02-3201	169	17	compared	compare	VERB
ajis02-3201	169	18	to	to	ADP
ajis02-3201	169	19	covariance	covariance	NOUN
ajis02-3201	169	20	-	-	PUNCT
ajis02-3201	169	21	based	base	VERB
ajis02-3201	169	22	structural	structural	ADJ
ajis02-3201	169	23	equation	equation	NOUN
ajis02-3201	169	24	modeling	modeling	NOUN
ajis02-3201	169	25	(	(	PUNCT
ajis02-3201	169	26	cb	cb	NOUN
ajis02-3201	169	27	-	-	PUNCT
ajis02-3201	169	28	sem	sem	NOUN
ajis02-3201	169	29	)	)	PUNCT
ajis02-3201	169	30	,	,	PUNCT
ajis02-3201	169	31	which	which	PRON
ajis02-3201	169	32	is	be	AUX
ajis02-3201	169	33	more	more	ADV
ajis02-3201	169	34	commonly	commonly	ADV
ajis02-3201	169	35	used	use	VERB
ajis02-3201	169	36	(	(	PUNCT
ajis02-3201	169	37	talwar	talwar	PROPN
ajis02-3201	169	38	,	,	PUNCT
ajis02-3201	169	39	dhir	dhir	ADJ
ajis02-3201	169	40	,	,	PUNCT
ajis02-3201	169	41	kaur	kaur	PROPN
ajis02-3201	169	42	,	,	PUNCT
ajis02-3201	169	43	zafar	zafar	PROPN
ajis02-3201	169	44	,	,	PUNCT
ajis02-3201	169	45	&	&	CCONJ
ajis02-3201	169	46	alrasheedy	alrasheedy	PROPN
ajis02-3201	169	47	,	,	PUNCT
ajis02-3201	169	48	2019	2019	NUM
ajis02-3201	169	49	;	;	PUNCT
ajis02-3201	169	50	kumar	kumar	PROPN
ajis02-3201	169	51	,	,	PUNCT
ajis02-3201	169	52	dhir	dhir	PROPN
ajis02-3201	169	53	,	,	PUNCT
ajis02-3201	169	54	talwar	talwar	PROPN
ajis02-3201	169	55	,	,	PUNCT
ajis02-3201	169	56	chakraborty	chakraborty	PROPN
ajis02-3201	169	57	,	,	PUNCT
ajis02-3201	169	58	&	&	CCONJ
ajis02-3201	169	59	kaur	kaur	PROPN
ajis02-3201	169	60	,	,	PUNCT
ajis02-3201	169	61	2021	2021	NUM
ajis02-3201	169	62	)	)	PUNCT
ajis02-3201	169	63	.	.	PUNCT
ajis02-3201	170	1	5	5	NUM
ajis02-3201	170	2	results	result	VERB
ajis02-3201	170	3	5.1	5.1	NUM
ajis02-3201	170	4	data	datum	NOUN
ajis02-3201	170	5	characteristics	characteristic	NOUN
ajis02-3201	170	6	we	we	PRON
ajis02-3201	170	7	assessed	assess	VERB
ajis02-3201	170	8	the	the	DET
ajis02-3201	170	9	four	four	NUM
ajis02-3201	170	10	multivariate	multivariate	NOUN
ajis02-3201	170	11	assumptions	assumption	NOUN
ajis02-3201	170	12	of	of	ADP
ajis02-3201	170	13	normality	normality	NOUN
ajis02-3201	170	14	,	,	PUNCT
ajis02-3201	170	15	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	170	16	,	,	PUNCT
ajis02-3201	170	17	linearity	linearity	NOUN
ajis02-3201	170	18	,	,	PUNCT
ajis02-3201	170	19	and	and	CCONJ
ajis02-3201	170	20	multicollinearity	multicollinearity	NOUN
ajis02-3201	170	21	to	to	PART
ajis02-3201	170	22	better	well	ADV
ajis02-3201	170	23	understand	understand	VERB
ajis02-3201	170	24	the	the	DET
ajis02-3201	170	25	nature	nature	NOUN
ajis02-3201	170	26	of	of	ADP
ajis02-3201	170	27	the	the	DET
ajis02-3201	170	28	data	datum	NOUN
ajis02-3201	170	29	under	under	ADP
ajis02-3201	170	30	study	study	NOUN
ajis02-3201	170	31	.	.	PUNCT
ajis02-3201	171	1	first	first	ADV
ajis02-3201	171	2	,	,	PUNCT
ajis02-3201	171	3	we	we	PRON
ajis02-3201	171	4	conducted	conduct	VERB
ajis02-3201	171	5	the	the	DET
ajis02-3201	171	6	kolmogorov	kolmogorov	ADJ
ajis02-3201	171	7	-	-	PUNCT
ajis02-3201	171	8	smirnov	smirnov	NOUN
ajis02-3201	171	9	(	(	PUNCT
ajis02-3201	171	10	k	k	NOUN
ajis02-3201	171	11	-	-	PUNCT
ajis02-3201	171	12	s	s	NOUN
ajis02-3201	171	13	)	)	PUNCT
ajis02-3201	171	14	test	test	NOUN
ajis02-3201	171	15	to	to	PART
ajis02-3201	171	16	check	check	VERB
ajis02-3201	171	17	the	the	DET
ajis02-3201	171	18	distribution	distribution	NOUN
ajis02-3201	171	19	of	of	ADP
ajis02-3201	171	20	the	the	DET
ajis02-3201	171	21	data	datum	NOUN
ajis02-3201	171	22	,	,	PUNCT
ajis02-3201	171	23	per	per	ADP
ajis02-3201	171	24	the	the	DET
ajis02-3201	171	25	recommendation	recommendation	NOUN
ajis02-3201	171	26	of	of	ADP
ajis02-3201	171	27	scholars	scholar	NOUN
ajis02-3201	171	28	(	(	PUNCT
ajis02-3201	171	29	e.g.	e.g.	ADV
ajis02-3201	171	30	,	,	PUNCT
ajis02-3201	171	31	simard	simard	PROPN
ajis02-3201	171	32	&	&	CCONJ
ajis02-3201	171	33	l'ecuyer	l'ecuyer	PROPN
ajis02-3201	171	34	,	,	PUNCT
ajis02-3201	171	35	2011	2011	NUM
ajis02-3201	171	36	)	)	PUNCT
ajis02-3201	171	37	.	.	PUNCT
ajis02-3201	172	1	the	the	DET
ajis02-3201	172	2	results	result	NOUN
ajis02-3201	172	3	revealed	reveal	VERB
ajis02-3201	172	4	that	that	SCONJ
ajis02-3201	172	5	the	the	DET
ajis02-3201	172	6	data	datum	NOUN
ajis02-3201	172	7	followed	follow	VERB
ajis02-3201	172	8	a	a	DET
ajis02-3201	172	9	non	non	ADJ
ajis02-3201	172	10	-	-	ADJ
ajis02-3201	172	11	normal	normal	ADJ
ajis02-3201	172	12	distribution	distribution	NOUN
ajis02-3201	172	13	.	.	PUNCT
ajis02-3201	173	1	since	since	SCONJ
ajis02-3201	173	2	cb	cb	PROPN
ajis02-3201	173	3	-	-	PUNCT
ajis02-3201	173	4	sem	sem	PROPN
ajis02-3201	173	5	requires	require	VERB
ajis02-3201	173	6	the	the	DET
ajis02-3201	173	7	data	datum	NOUN
ajis02-3201	173	8	to	to	PART
ajis02-3201	173	9	be	be	AUX
ajis02-3201	173	10	normally	normally	ADV
ajis02-3201	173	11	distributed	distribute	VERB
ajis02-3201	173	12	,	,	PUNCT
ajis02-3201	173	13	ann	ann	PROPN
ajis02-3201	173	14	was	be	AUX
ajis02-3201	173	15	more	more	ADV
ajis02-3201	173	16	suited	suited	ADJ
ajis02-3201	173	17	for	for	ADP
ajis02-3201	173	18	analysis	analysis	NOUN
ajis02-3201	173	19	in	in	ADP
ajis02-3201	173	20	the	the	DET
ajis02-3201	173	21	present	present	ADJ
ajis02-3201	173	22	study	study	NOUN
ajis02-3201	173	23	.	.	PUNCT
ajis02-3201	174	1	although	although	SCONJ
ajis02-3201	174	2	ann	ann	PROPN
ajis02-3201	174	3	has	have	VERB
ajis02-3201	174	4	no	no	DET
ajis02-3201	174	5	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	174	6	or	or	CCONJ
ajis02-3201	174	7	heteroscedasticity	heteroscedasticity	NOUN
ajis02-3201	174	8	restrictions	restriction	NOUN
ajis02-3201	174	9	,	,	PUNCT
ajis02-3201	174	10	we	we	PRON
ajis02-3201	174	11	also	also	ADV
ajis02-3201	174	12	examined	examine	VERB
ajis02-3201	174	13	the	the	DET
ajis02-3201	174	14	data	datum	NOUN
ajis02-3201	174	15	for	for	ADP
ajis02-3201	174	16	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	174	17	to	to	PART
ajis02-3201	174	18	better	well	ADV
ajis02-3201	174	19	understand	understand	VERB
ajis02-3201	174	20	its	its	PRON
ajis02-3201	174	21	nature	nature	NOUN
ajis02-3201	174	22	.	.	PUNCT
ajis02-3201	175	1	of	of	ADP
ajis02-3201	175	2	the	the	DET
ajis02-3201	175	3	three	three	NUM
ajis02-3201	175	4	dependent	dependent	ADJ
ajis02-3201	175	5	variables	variable	NOUN
ajis02-3201	175	6	,	,	PUNCT
ajis02-3201	175	7	the	the	DET
ajis02-3201	175	8	data	datum	NOUN
ajis02-3201	175	9	for	for	ADP
ajis02-3201	175	10	rejection	rejection	NOUN
ajis02-3201	175	11	appeared	appear	VERB
ajis02-3201	175	12	to	to	PART
ajis02-3201	175	13	be	be	AUX
ajis02-3201	175	14	homoscedastic	homoscedastic	ADJ
ajis02-3201	175	15	,	,	PUNCT
ajis02-3201	175	16	while	while	SCONJ
ajis02-3201	175	17	it	it	PRON
ajis02-3201	175	18	was	be	AUX
ajis02-3201	175	19	heteroscedastic	heteroscedastic	ADJ
ajis02-3201	175	20	for	for	ADP
ajis02-3201	175	21	postponement	postponement	NOUN
ajis02-3201	175	22	and	and	CCONJ
ajis02-3201	175	23	opposition	opposition	NOUN
ajis02-3201	175	24	.	.	PUNCT
ajis02-3201	176	1	this	this	PRON
ajis02-3201	176	2	was	be	AUX
ajis02-3201	176	3	visually	visually	ADV
ajis02-3201	176	4	confirmed	confirm	VERB
ajis02-3201	176	5	by	by	ADP
ajis02-3201	176	6	the	the	DET
ajis02-3201	176	7	scatter	scatter	NOUN
ajis02-3201	176	8	plot	plot	NOUN
ajis02-3201	176	9	of	of	ADP
ajis02-3201	176	10	the	the	DET
ajis02-3201	176	11	residuals	residual	NOUN
ajis02-3201	176	12	and	and	CCONJ
ajis02-3201	176	13	three	three	NUM
ajis02-3201	176	14	dependent	dependent	ADJ
ajis02-3201	176	15	variables	variable	NOUN
ajis02-3201	176	16	(	(	PUNCT
ajis02-3201	176	17	figures	figure	NOUN
ajis02-3201	176	18	3	3	NUM
ajis02-3201	176	19	-	-	SYM
ajis02-3201	176	20	5	5	NUM
ajis02-3201	176	21	)	)	PUNCT
ajis02-3201	176	22	.	.	PUNCT
ajis02-3201	177	1	australasian	australasian	ADJ
ajis02-3201	177	2	journal	journal	NOUN
ajis02-3201	177	3	of	of	ADP
ajis02-3201	177	4	information	information	NOUN
ajis02-3201	177	5	systems	system	NOUN
ajis02-3201	177	6	talwar	talwar	PROPN
ajis02-3201	177	7	et	et	PROPN
ajis02-3201	177	8	al	al	PROPN
ajis02-3201	177	9	.	.	PROPN
ajis02-3201	177	10	2021	2021	NUM
ajis02-3201	177	11	,	,	PUNCT
ajis02-3201	177	12	vol	vol	NOUN
ajis02-3201	177	13	25	25	NUM
ajis02-3201	177	14	,	,	PUNCT
ajis02-3201	177	15	research	research	NOUN
ajis02-3201	177	16	on	on	ADP
ajis02-3201	177	17	evaluation	evaluation	NOUN
ajis02-3201	177	18	a	a	DET
ajis02-3201	177	19	study	study	NOUN
ajis02-3201	177	20	of	of	ADP
ajis02-3201	177	21	mobile	mobile	ADJ
ajis02-3201	177	22	payment	payment	NOUN
ajis02-3201	177	23	innovations	innovation	NOUN
ajis02-3201	177	24	of	of	ADP
ajis02-3201	177	25	mobile	mobile	ADJ
ajis02-3201	177	26	applications	application	NOUN
ajis02-3201	177	27	12	12	NUM
ajis02-3201	177	28	in	in	ADP
ajis02-3201	177	29	consonance	consonance	NOUN
ajis02-3201	177	30	with	with	ADP
ajis02-3201	177	31	recent	recent	ADJ
ajis02-3201	177	32	studies	study	NOUN
ajis02-3201	177	33	(	(	PUNCT
ajis02-3201	177	34	talwar	talwar	PROPN
ajis02-3201	177	35	,	,	PUNCT
ajis02-3201	177	36	talwar	talwar	PROPN
ajis02-3201	177	37	,	,	PUNCT
ajis02-3201	177	38	kaur	kaur	PROPN
ajis02-3201	177	39	,	,	PUNCT
ajis02-3201	177	40	&	&	CCONJ
ajis02-3201	177	41	dhir	dhir	ADJ
ajis02-3201	177	42	,	,	PUNCT
ajis02-3201	177	43	2020f	2020f	NUM
ajis02-3201	177	44	;	;	PUNCT
ajis02-3201	177	45	hew	hew	VERB
ajis02-3201	177	46	,	,	PUNCT
ajis02-3201	177	47	leong	leong	PROPN
ajis02-3201	177	48	,	,	PUNCT
ajis02-3201	177	49	tan	tan	PROPN
ajis02-3201	177	50	,	,	PUNCT
ajis02-3201	177	51	ooi	ooi	PROPN
ajis02-3201	177	52	,	,	PUNCT
ajis02-3201	177	53	&	&	CCONJ
ajis02-3201	177	54	lee	lee	PROPN
ajis02-3201	177	55	,	,	PUNCT
ajis02-3201	177	56	2019	2019	NUM
ajis02-3201	177	57	)	)	PUNCT
ajis02-3201	177	58	,	,	PUNCT
ajis02-3201	177	59	we	we	PRON
ajis02-3201	177	60	conducted	conduct	VERB
ajis02-3201	177	61	an	an	DET
ajis02-3201	177	62	anova	anova	PROPN
ajis02-3201	177	63	test	test	NOUN
ajis02-3201	177	64	and	and	CCONJ
ajis02-3201	177	65	found	find	VERB
ajis02-3201	177	66	that	that	SCONJ
ajis02-3201	177	67	all	all	DET
ajis02-3201	177	68	three	three	NUM
ajis02-3201	177	69	dependent	dependent	ADJ
ajis02-3201	177	70	variables	variable	NOUN
ajis02-3201	177	71	(	(	PUNCT
ajis02-3201	177	72	postponement	postponement	NOUN
ajis02-3201	177	73	,	,	PUNCT
ajis02-3201	177	74	opposition	opposition	NOUN
ajis02-3201	177	75	,	,	PUNCT
ajis02-3201	177	76	and	and	CCONJ
ajis02-3201	177	77	rejection	rejection	NOUN
ajis02-3201	177	78	)	)	PUNCT
ajis02-3201	177	79	had	have	VERB
ajis02-3201	177	80	a	a	DET
ajis02-3201	177	81	non	non	ADJ
ajis02-3201	177	82	-	-	ADJ
ajis02-3201	177	83	linear	linear	ADJ
ajis02-3201	177	84	relationship	relationship	NOUN
ajis02-3201	177	85	with	with	ADP
ajis02-3201	177	86	the	the	DET
ajis02-3201	177	87	usage	usage	NOUN
ajis02-3201	177	88	,	,	PUNCT
ajis02-3201	177	89	value	value	NOUN
ajis02-3201	177	90	,	,	PUNCT
ajis02-3201	177	91	and	and	CCONJ
ajis02-3201	177	92	image	image	NOUN
ajis02-3201	177	93	barriers	barrier	NOUN
ajis02-3201	177	94	.	.	PUNCT
ajis02-3201	178	1	opposition	opposition	NOUN
ajis02-3201	178	2	and	and	CCONJ
ajis02-3201	178	3	rejection	rejection	NOUN
ajis02-3201	178	4	had	have	VERB
ajis02-3201	178	5	a	a	DET
ajis02-3201	178	6	non	non	ADJ
ajis02-3201	178	7	-	-	ADJ
ajis02-3201	178	8	linear	linear	ADJ
ajis02-3201	178	9	relationship	relationship	NOUN
ajis02-3201	178	10	with	with	ADP
ajis02-3201	178	11	the	the	DET
ajis02-3201	178	12	risk	risk	NOUN
ajis02-3201	178	13	barrier	barrier	NOUN
ajis02-3201	178	14	as	as	ADV
ajis02-3201	178	15	well	well	ADV
ajis02-3201	178	16	.	.	PUNCT
ajis02-3201	179	1	furthermore	furthermore	ADV
ajis02-3201	179	2	,	,	PUNCT
ajis02-3201	179	3	all	all	DET
ajis02-3201	179	4	three	three	NUM
ajis02-3201	179	5	dependent	dependent	ADJ
ajis02-3201	179	6	variables	variable	NOUN
ajis02-3201	179	7	had	have	VERB
ajis02-3201	179	8	a	a	DET
ajis02-3201	179	9	linear	linear	ADJ
ajis02-3201	179	10	relationship	relationship	NOUN
ajis02-3201	179	11	with	with	ADP
ajis02-3201	179	12	the	the	DET
ajis02-3201	179	13	tradition	tradition	NOUN
ajis02-3201	179	14	barrier	barrier	NOUN
ajis02-3201	179	15	.	.	PUNCT
ajis02-3201	180	1	although	although	SCONJ
ajis02-3201	180	2	ann	ann	PROPN
ajis02-3201	180	3	is	be	AUX
ajis02-3201	180	4	suitable	suitable	ADJ
ajis02-3201	180	5	for	for	ADP
ajis02-3201	180	6	both	both	CCONJ
ajis02-3201	180	7	linear	linear	ADJ
ajis02-3201	180	8	and	and	CCONJ
ajis02-3201	180	9	non	non	ADJ
ajis02-3201	180	10	-	-	ADJ
ajis02-3201	180	11	linear	linear	ADJ
ajis02-3201	180	12	relationships	relationship	NOUN
ajis02-3201	180	13	,	,	PUNCT
ajis02-3201	180	14	the	the	DET
ajis02-3201	180	15	existence	existence	NOUN
ajis02-3201	180	16	of	of	ADP
ajis02-3201	180	17	nonlinear	nonlinear	ADJ
ajis02-3201	180	18	relationships	relationship	NOUN
ajis02-3201	180	19	further	far	ADV
ajis02-3201	180	20	supported	support	VERB
ajis02-3201	180	21	the	the	DET
ajis02-3201	180	22	use	use	NOUN
ajis02-3201	180	23	of	of	ADP
ajis02-3201	180	24	ann	ann	PROPN
ajis02-3201	180	25	in	in	ADP
ajis02-3201	180	26	the	the	DET
ajis02-3201	180	27	present	present	ADJ
ajis02-3201	180	28	study	study	NOUN
ajis02-3201	180	29	.	.	PUNCT
ajis02-3201	181	1	finally	finally	ADV
ajis02-3201	181	2	,	,	PUNCT
ajis02-3201	181	3	we	we	PRON
ajis02-3201	181	4	examined	examine	VERB
ajis02-3201	181	5	the	the	DET
ajis02-3201	181	6	data	datum	NOUN
ajis02-3201	181	7	for	for	ADP
ajis02-3201	181	8	the	the	DET
ajis02-3201	181	9	issue	issue	NOUN
ajis02-3201	181	10	of	of	ADP
ajis02-3201	181	11	multicollinearity	multicollinearity	NOUN
ajis02-3201	181	12	,	,	PUNCT
ajis02-3201	181	13	as	as	SCONJ
ajis02-3201	181	14	suggested	suggest	VERB
ajis02-3201	181	15	by	by	ADP
ajis02-3201	181	16	recent	recent	ADJ
ajis02-3201	181	17	studies	study	NOUN
ajis02-3201	181	18	(	(	PUNCT
ajis02-3201	181	19	talwar	talwar	PROPN
ajis02-3201	181	20	et	et	PROPN
ajis02-3201	181	21	al	al	PROPN
ajis02-3201	181	22	.	.	PROPN
ajis02-3201	181	23	,	,	PUNCT
ajis02-3201	181	24	2019	2019	NUM
ajis02-3201	181	25	;	;	PUNCT
ajis02-3201	181	26	talwar	talwar	PROPN
ajis02-3201	181	27	et	et	PROPN
ajis02-3201	181	28	al	al	PROPN
ajis02-3201	181	29	.	.	PROPN
ajis02-3201	181	30	,	,	PUNCT
ajis02-3201	181	31	2020e	2020e	NUM
ajis02-3201	181	32	)	)	PUNCT
ajis02-3201	181	33	.	.	PUNCT
ajis02-3201	182	1	for	for	ADP
ajis02-3201	182	2	all	all	DET
ajis02-3201	182	3	three	three	NUM
ajis02-3201	182	4	dependent	dependent	ADJ
ajis02-3201	182	5	variables	variable	NOUN
ajis02-3201	182	6	,	,	PUNCT
ajis02-3201	182	7	the	the	DET
ajis02-3201	182	8	values	value	NOUN
ajis02-3201	182	9	of	of	ADP
ajis02-3201	182	10	tolerance	tolerance	NOUN
ajis02-3201	182	11	and	and	CCONJ
ajis02-3201	182	12	variance	variance	NOUN
ajis02-3201	182	13	inflation	inflation	NOUN
ajis02-3201	182	14	factor	factor	NOUN
ajis02-3201	182	15	(	(	PUNCT
ajis02-3201	182	16	vif	vif	NOUN
ajis02-3201	182	17	)	)	PUNCT
ajis02-3201	182	18	were	be	AUX
ajis02-3201	182	19	within	within	ADP
ajis02-3201	182	20	the	the	DET
ajis02-3201	182	21	recommended	recommend	VERB
ajis02-3201	182	22	limits	limit	NOUN
ajis02-3201	182	23	,	,	PUNCT
ajis02-3201	182	24	with	with	ADP
ajis02-3201	182	25	tolerance	tolerance	NOUN
ajis02-3201	182	26	being	be	AUX
ajis02-3201	182	27	more	more	ADJ
ajis02-3201	182	28	than	than	ADP
ajis02-3201	182	29	0.1	0.1	NUM
ajis02-3201	182	30	and	and	CCONJ
ajis02-3201	182	31	vif	vif	NOUN
ajis02-3201	182	32	being	be	AUX
ajis02-3201	182	33	less	less	ADJ
ajis02-3201	182	34	than	than	ADP
ajis02-3201	182	35	5	5	NUM
ajis02-3201	182	36	(	(	PUNCT
ajis02-3201	182	37	hair	hair	NOUN
ajis02-3201	182	38	,	,	PUNCT
ajis02-3201	182	39	black	black	ADJ
ajis02-3201	182	40	,	,	PUNCT
ajis02-3201	182	41	babin	babin	PROPN
ajis02-3201	182	42	,	,	PUNCT
ajis02-3201	182	43	&	&	CCONJ
ajis02-3201	182	44	anderson	anderson	PROPN
ajis02-3201	182	45	,	,	PUNCT
ajis02-3201	182	46	2016	2016	NUM
ajis02-3201	182	47	)	)	PUNCT
ajis02-3201	182	48	.	.	PUNCT
ajis02-3201	183	1	figure	figure	VERB
ajis02-3201	183	2	3	3	NUM
ajis02-3201	183	3	.	.	PUNCT
ajis02-3201	183	4	test	test	NOUN
ajis02-3201	183	5	of	of	ADP
ajis02-3201	183	6	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	183	7	/	/	SYM
ajis02-3201	183	8	heteroscedasticity	heteroscedasticity	NOUN
ajis02-3201	183	9	(	(	PUNCT
ajis02-3201	183	10	postponement	postponement	NOUN
ajis02-3201	183	11	)	)	PUNCT
ajis02-3201	183	12	figure	figure	NOUN
ajis02-3201	183	13	4	4	NUM
ajis02-3201	183	14	.	.	PUNCT
ajis02-3201	183	15	test	test	NOUN
ajis02-3201	183	16	of	of	ADP
ajis02-3201	183	17	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	183	18	/	/	SYM
ajis02-3201	183	19	heteroscedasticity	heteroscedasticity	NOUN
ajis02-3201	183	20	(	(	PUNCT
ajis02-3201	183	21	opposition	opposition	NOUN
ajis02-3201	183	22	)	)	PUNCT
ajis02-3201	183	23	australasian	australasian	ADJ
ajis02-3201	183	24	journal	journal	NOUN
ajis02-3201	183	25	of	of	ADP
ajis02-3201	183	26	information	information	NOUN
ajis02-3201	183	27	systems	system	NOUN
ajis02-3201	183	28	talwar	talwar	PROPN
ajis02-3201	183	29	et	et	PROPN
ajis02-3201	183	30	al	al	PROPN
ajis02-3201	183	31	.	.	PROPN
ajis02-3201	183	32	2021	2021	NUM
ajis02-3201	183	33	,	,	PUNCT
ajis02-3201	183	34	vol	vol	NOUN
ajis02-3201	183	35	25	25	NUM
ajis02-3201	183	36	,	,	PUNCT
ajis02-3201	183	37	research	research	NOUN
ajis02-3201	183	38	on	on	ADP
ajis02-3201	183	39	evaluation	evaluation	NOUN
ajis02-3201	183	40	a	a	DET
ajis02-3201	183	41	study	study	NOUN
ajis02-3201	183	42	of	of	ADP
ajis02-3201	183	43	mobile	mobile	ADJ
ajis02-3201	183	44	payment	payment	NOUN
ajis02-3201	183	45	innovations	innovation	NOUN
ajis02-3201	183	46	of	of	ADP
ajis02-3201	183	47	mobile	mobile	ADJ
ajis02-3201	183	48	applications	application	NOUN
ajis02-3201	183	49	13	13	NUM
ajis02-3201	183	50	figure	figure	NOUN
ajis02-3201	183	51	5	5	NUM
ajis02-3201	183	52	.	.	PUNCT
ajis02-3201	183	53	test	test	NOUN
ajis02-3201	183	54	of	of	ADP
ajis02-3201	183	55	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	183	56	/	/	SYM
ajis02-3201	183	57	heteroscedasticity	heteroscedasticity	NOUN
ajis02-3201	183	58	(	(	PUNCT
ajis02-3201	183	59	rejection	rejection	NOUN
ajis02-3201	183	60	)	)	PUNCT
ajis02-3201	183	61	5.2	5.2	NUM
ajis02-3201	183	62	common	common	ADJ
ajis02-3201	183	63	method	method	NOUN
ajis02-3201	183	64	variance	variance	NOUN
ajis02-3201	183	65	(	(	PUNCT
ajis02-3201	183	66	cmv	cmv	NOUN
ajis02-3201	183	67	)	)	PUNCT
ajis02-3201	183	68	since	since	SCONJ
ajis02-3201	183	69	the	the	DET
ajis02-3201	183	70	data	datum	NOUN
ajis02-3201	183	71	was	be	AUX
ajis02-3201	183	72	collected	collect	VERB
ajis02-3201	183	73	using	use	VERB
ajis02-3201	183	74	a	a	DET
ajis02-3201	183	75	single	single	ADJ
ajis02-3201	183	76	survey	survey	NOUN
ajis02-3201	183	77	instrument	instrument	NOUN
ajis02-3201	183	78	,	,	PUNCT
ajis02-3201	183	79	it	it	PRON
ajis02-3201	183	80	might	might	AUX
ajis02-3201	183	81	have	have	VERB
ajis02-3201	183	82	the	the	DET
ajis02-3201	183	83	issue	issue	NOUN
ajis02-3201	183	84	of	of	ADP
ajis02-3201	183	85	common	common	ADJ
ajis02-3201	183	86	method	method	NOUN
ajis02-3201	183	87	variance	variance	NOUN
ajis02-3201	183	88	(	(	PUNCT
ajis02-3201	183	89	cmv	cmv	NOUN
ajis02-3201	183	90	)	)	PUNCT
ajis02-3201	183	91	,	,	PUNCT
ajis02-3201	183	92	although	although	SCONJ
ajis02-3201	183	93	we	we	PRON
ajis02-3201	183	94	followed	follow	VERB
ajis02-3201	183	95	all	all	DET
ajis02-3201	183	96	procedural	procedural	ADJ
ajis02-3201	183	97	remedies	remedy	NOUN
ajis02-3201	183	98	at	at	ADP
ajis02-3201	183	99	the	the	DET
ajis02-3201	183	100	instrument	instrument	NOUN
ajis02-3201	183	101	development	development	NOUN
ajis02-3201	183	102	and	and	CCONJ
ajis02-3201	183	103	data	datum	NOUN
ajis02-3201	183	104	collection	collection	NOUN
ajis02-3201	183	105	stages	stage	NOUN
ajis02-3201	183	106	.	.	PUNCT
ajis02-3201	184	1	therefore	therefore	ADV
ajis02-3201	184	2	,	,	PUNCT
ajis02-3201	184	3	we	we	PRON
ajis02-3201	184	4	used	use	VERB
ajis02-3201	184	5	harman	harman	PROPN
ajis02-3201	184	6	's	's	PART
ajis02-3201	184	7	single	single	ADJ
ajis02-3201	184	8	factor	factor	NOUN
ajis02-3201	184	9	test	test	NOUN
ajis02-3201	184	10	to	to	PART
ajis02-3201	184	11	rule	rule	VERB
ajis02-3201	184	12	out	out	ADP
ajis02-3201	184	13	the	the	DET
ajis02-3201	184	14	possibility	possibility	NOUN
ajis02-3201	184	15	of	of	ADP
ajis02-3201	184	16	cmv	cmv	PROPN
ajis02-3201	184	17	(	(	PUNCT
ajis02-3201	184	18	podsakoff	podsakoff	PROPN
ajis02-3201	184	19	,	,	PUNCT
ajis02-3201	184	20	mackenzie	mackenzie	PROPN
ajis02-3201	184	21	,	,	PUNCT
ajis02-3201	184	22	lee	lee	PROPN
ajis02-3201	184	23	,	,	PUNCT
ajis02-3201	184	24	&	&	CCONJ
ajis02-3201	184	25	podsakoff	podsakoff	PROPN
ajis02-3201	184	26	,	,	PUNCT
ajis02-3201	184	27	2003	2003	NUM
ajis02-3201	184	28	)	)	PUNCT
ajis02-3201	184	29	and	and	CCONJ
ajis02-3201	184	30	found	find	VERB
ajis02-3201	184	31	that	that	SCONJ
ajis02-3201	184	32	a	a	DET
ajis02-3201	184	33	single	single	ADJ
ajis02-3201	184	34	factor	factor	NOUN
ajis02-3201	184	35	explained	explain	VERB
ajis02-3201	184	36	only	only	ADV
ajis02-3201	184	37	41.06	41.06	NUM
ajis02-3201	184	38	%	%	NOUN
ajis02-3201	184	39	of	of	ADP
ajis02-3201	184	40	the	the	DET
ajis02-3201	184	41	total	total	ADJ
ajis02-3201	184	42	variance	variance	NOUN
ajis02-3201	184	43	explained	explain	VERB
ajis02-3201	184	44	,	,	PUNCT
ajis02-3201	184	45	which	which	PRON
ajis02-3201	184	46	is	be	AUX
ajis02-3201	184	47	below	below	ADP
ajis02-3201	184	48	the	the	DET
ajis02-3201	184	49	required	require	VERB
ajis02-3201	184	50	cut	cut	NOUN
ajis02-3201	184	51	-	-	PUNCT
ajis02-3201	184	52	off	off	NOUN
ajis02-3201	184	53	of	of	ADP
ajis02-3201	184	54	50	50	NUM
ajis02-3201	184	55	%	%	NOUN
ajis02-3201	184	56	.	.	PUNCT
ajis02-3201	185	1	5.3	5.3	NUM
ajis02-3201	185	2	validity	validity	NOUN
ajis02-3201	185	3	and	and	CCONJ
ajis02-3201	185	4	reliability	reliability	NOUN
ajis02-3201	185	5	of	of	ADP
ajis02-3201	185	6	the	the	DET
ajis02-3201	185	7	survey	survey	NOUN
ajis02-3201	185	8	instrument	instrument	NOUN
ajis02-3201	185	9	to	to	PART
ajis02-3201	185	10	evaluate	evaluate	VERB
ajis02-3201	185	11	the	the	DET
ajis02-3201	185	12	validity	validity	NOUN
ajis02-3201	185	13	and	and	CCONJ
ajis02-3201	185	14	reliability	reliability	NOUN
ajis02-3201	185	15	of	of	ADP
ajis02-3201	185	16	the	the	DET
ajis02-3201	185	17	survey	survey	NOUN
ajis02-3201	185	18	instrument	instrument	NOUN
ajis02-3201	185	19	,	,	PUNCT
ajis02-3201	185	20	we	we	PRON
ajis02-3201	185	21	conducted	conduct	VERB
ajis02-3201	185	22	a	a	DET
ajis02-3201	185	23	confirmatory	confirmatory	NOUN
ajis02-3201	185	24	factor	factor	NOUN
ajis02-3201	185	25	analysis	analysis	NOUN
ajis02-3201	185	26	.	.	PUNCT
ajis02-3201	186	1	first	first	ADV
ajis02-3201	186	2	,	,	PUNCT
ajis02-3201	186	3	cronbach	cronbach	VERB
ajis02-3201	186	4	's	's	PART
ajis02-3201	186	5	alpha	alpha	NOUN
ajis02-3201	186	6	and	and	CCONJ
ajis02-3201	186	7	the	the	DET
ajis02-3201	186	8	composite	composite	ADJ
ajis02-3201	186	9	reliability	reliability	NOUN
ajis02-3201	186	10	(	(	PUNCT
ajis02-3201	186	11	cr	cr	NOUN
ajis02-3201	186	12	)	)	PUNCT
ajis02-3201	186	13	values	value	NOUN
ajis02-3201	186	14	for	for	ADP
ajis02-3201	186	15	all	all	DET
ajis02-3201	186	16	constructs	construct	NOUN
ajis02-3201	186	17	were	be	AUX
ajis02-3201	186	18	more	more	ADJ
ajis02-3201	186	19	than	than	ADP
ajis02-3201	186	20	0.7	0.7	NUM
ajis02-3201	186	21	,	,	PUNCT
ajis02-3201	186	22	confirming	confirm	VERB
ajis02-3201	186	23	the	the	DET
ajis02-3201	186	24	reliability	reliability	NOUN
ajis02-3201	186	25	of	of	ADP
ajis02-3201	186	26	the	the	DET
ajis02-3201	186	27	survey	survey	NOUN
ajis02-3201	186	28	instrument	instrument	NOUN
ajis02-3201	186	29	.	.	PUNCT
ajis02-3201	187	1	next	next	ADV
ajis02-3201	187	2	,	,	PUNCT
ajis02-3201	187	3	the	the	DET
ajis02-3201	187	4	average	average	ADJ
ajis02-3201	187	5	variance	variance	NOUN
ajis02-3201	187	6	extracted	extract	VERB
ajis02-3201	187	7	(	(	PUNCT
ajis02-3201	187	8	ave	ave	NOUN
ajis02-3201	187	9	)	)	PUNCT
ajis02-3201	187	10	value	value	NOUN
ajis02-3201	187	11	exceeded	exceed	VERB
ajis02-3201	187	12	0.5	0.5	NUM
ajis02-3201	187	13	for	for	ADP
ajis02-3201	187	14	all	all	DET
ajis02-3201	187	15	constructs	construct	NOUN
ajis02-3201	187	16	,	,	PUNCT
ajis02-3201	187	17	thereby	thereby	ADV
ajis02-3201	187	18	demonstrating	demonstrate	VERB
ajis02-3201	187	19	their	their	PRON
ajis02-3201	187	20	convergent	convergent	NOUN
ajis02-3201	187	21	validity	validity	NOUN
ajis02-3201	187	22	.	.	PUNCT
ajis02-3201	188	1	finally	finally	ADV
ajis02-3201	188	2	,	,	PUNCT
ajis02-3201	188	3	since	since	SCONJ
ajis02-3201	188	4	the	the	DET
ajis02-3201	188	5	square	square	ADJ
ajis02-3201	188	6	roots	root	NOUN
ajis02-3201	188	7	of	of	ADP
ajis02-3201	188	8	aves	ave	NOUN
ajis02-3201	188	9	were	be	AUX
ajis02-3201	188	10	higher	high	ADJ
ajis02-3201	188	11	than	than	ADP
ajis02-3201	188	12	the	the	DET
ajis02-3201	188	13	corresponding	corresponding	ADJ
ajis02-3201	188	14	correlations	correlation	NOUN
ajis02-3201	188	15	,	,	PUNCT
ajis02-3201	188	16	we	we	PRON
ajis02-3201	188	17	concluded	conclude	VERB
ajis02-3201	188	18	that	that	SCONJ
ajis02-3201	188	19	the	the	DET
ajis02-3201	188	20	instrument	instrument	NOUN
ajis02-3201	188	21	had	have	VERB
ajis02-3201	188	22	discriminant	discriminant	ADJ
ajis02-3201	188	23	validity	validity	NOUN
ajis02-3201	188	24	as	as	ADV
ajis02-3201	188	25	well	well	ADV
ajis02-3201	188	26	.	.	PUNCT
ajis02-3201	189	1	the	the	DET
ajis02-3201	189	2	inter	inter	ADJ
ajis02-3201	189	3	-	-	ADJ
ajis02-3201	189	4	construct	construct	ADJ
ajis02-3201	189	5	correlations	correlation	NOUN
ajis02-3201	189	6	were	be	AUX
ajis02-3201	189	7	also	also	ADV
ajis02-3201	189	8	less	less	ADJ
ajis02-3201	189	9	than	than	ADP
ajis02-3201	189	10	0.8	0.8	NUM
ajis02-3201	189	11	,	,	PUNCT
ajis02-3201	189	12	as	as	SCONJ
ajis02-3201	189	13	recommended	recommend	VERB
ajis02-3201	189	14	.	.	PUNCT
ajis02-3201	190	1	thus	thus	ADV
ajis02-3201	190	2	,	,	PUNCT
ajis02-3201	190	3	all	all	PRON
ajis02-3201	190	4	of	of	ADP
ajis02-3201	190	5	the	the	DET
ajis02-3201	190	6	validity	validity	NOUN
ajis02-3201	190	7	and	and	CCONJ
ajis02-3201	190	8	reliability	reliability	NOUN
ajis02-3201	190	9	measures	measure	NOUN
ajis02-3201	190	10	that	that	PRON
ajis02-3201	190	11	we	we	PRON
ajis02-3201	190	12	examined	examine	VERB
ajis02-3201	190	13	conformed	conform	VERB
ajis02-3201	190	14	to	to	ADP
ajis02-3201	190	15	the	the	DET
ajis02-3201	190	16	recommended	recommend	VERB
ajis02-3201	190	17	cut	cut	NOUN
ajis02-3201	190	18	-	-	PUNCT
ajis02-3201	190	19	offs	off	NOUN
ajis02-3201	190	20	values	value	NOUN
ajis02-3201	190	21	indicated	indicate	VERB
ajis02-3201	190	22	by	by	ADP
ajis02-3201	190	23	prior	prior	ADJ
ajis02-3201	190	24	studies	study	NOUN
ajis02-3201	190	25	(	(	PUNCT
ajis02-3201	190	26	hair	hair	NOUN
ajis02-3201	190	27	et	et	PROPN
ajis02-3201	190	28	al	al	PROPN
ajis02-3201	190	29	.	.	PROPN
ajis02-3201	190	30	,	,	PUNCT
ajis02-3201	190	31	2016	2016	NUM
ajis02-3201	190	32	;	;	PUNCT
ajis02-3201	190	33	kumar	kumar	PROPN
ajis02-3201	190	34	et	et	PROPN
ajis02-3201	190	35	al	al	PROPN
ajis02-3201	190	36	.	.	PROPN
ajis02-3201	190	37	,	,	PUNCT
ajis02-3201	190	38	2021	2021	NUM
ajis02-3201	190	39	;	;	PUNCT
ajis02-3201	190	40	talwar	talwar	PROPN
ajis02-3201	190	41	,	,	PUNCT
ajis02-3201	190	42	dhir	dhir	ADJ
ajis02-3201	190	43	,	,	PUNCT
ajis02-3201	190	44	kaur	kaur	PROPN
ajis02-3201	190	45	,	,	PUNCT
ajis02-3201	190	46	&	&	CCONJ
ajis02-3201	190	47	mäntymäki	mäntymäki	PROPN
ajis02-3201	190	48	,	,	PUNCT
ajis02-3201	190	49	2020d	2020d	NUM
ajis02-3201	190	50	)	)	PUNCT
ajis02-3201	190	51	.	.	PUNCT
ajis02-3201	191	1	table	table	NOUN
ajis02-3201	191	2	2	2	NUM
ajis02-3201	191	3	presents	present	VERB
ajis02-3201	191	4	the	the	DET
ajis02-3201	191	5	specific	specific	ADJ
ajis02-3201	191	6	values	value	NOUN
ajis02-3201	191	7	of	of	ADP
ajis02-3201	191	8	the	the	DET
ajis02-3201	191	9	validity	validity	NOUN
ajis02-3201	191	10	and	and	CCONJ
ajis02-3201	191	11	reliability	reliability	NOUN
ajis02-3201	191	12	measures	measure	NOUN
ajis02-3201	191	13	.	.	PUNCT
ajis02-3201	192	1	5.4	5.4	NUM
ajis02-3201	192	2	predictive	predictive	ADJ
ajis02-3201	192	3	accuracy	accuracy	NOUN
ajis02-3201	192	4	of	of	ADP
ajis02-3201	192	5	the	the	DET
ajis02-3201	192	6	ann	ann	PROPN
ajis02-3201	192	7	models	model	NOUN
ajis02-3201	192	8	we	we	PRON
ajis02-3201	192	9	generated	generate	VERB
ajis02-3201	192	10	the	the	DET
ajis02-3201	192	11	alternate	alternate	ADJ
ajis02-3201	192	12	ann	ann	PROPN
ajis02-3201	192	13	models	model	NOUN
ajis02-3201	192	14	using	use	VERB
ajis02-3201	192	15	five	five	NUM
ajis02-3201	192	16	input	input	NOUN
ajis02-3201	192	17	neurons	neuron	NOUN
ajis02-3201	192	18	,	,	PUNCT
ajis02-3201	192	19	two	two	NUM
ajis02-3201	192	20	hidden	hidden	ADJ
ajis02-3201	192	21	neurons	neuron	NOUN
ajis02-3201	192	22	,	,	PUNCT
ajis02-3201	192	23	and	and	CCONJ
ajis02-3201	192	24	three	three	NUM
ajis02-3201	192	25	output	output	NOUN
ajis02-3201	192	26	neurons	neuron	NOUN
ajis02-3201	192	27	.	.	PUNCT
ajis02-3201	193	1	in	in	ADP
ajis02-3201	193	2	consonance	consonance	NOUN
ajis02-3201	193	3	with	with	ADP
ajis02-3201	193	4	prior	prior	ADJ
ajis02-3201	193	5	studies	study	NOUN
ajis02-3201	193	6	(	(	PUNCT
ajis02-3201	193	7	e.g.	e.g.	ADV
ajis02-3201	193	8	,	,	PUNCT
ajis02-3201	193	9	talwar	talwar	PROPN
ajis02-3201	193	10	et	et	PROPN
ajis02-3201	193	11	al	al	PROPN
ajis02-3201	193	12	.	.	PROPN
ajis02-3201	193	13	,	,	PUNCT
ajis02-3201	193	14	2020f	2020f	NUM
ajis02-3201	193	15	;	;	PUNCT
ajis02-3201	193	16	hew	hew	VERB
ajis02-3201	193	17	et	et	PROPN
ajis02-3201	193	18	al	al	PROPN
ajis02-3201	193	19	.	.	PROPN
ajis02-3201	193	20	,	,	PUNCT
ajis02-3201	193	21	2019	2019	NUM
ajis02-3201	193	22	;	;	PUNCT
ajis02-3201	193	23	leong	leong	PROPN
ajis02-3201	193	24	et	et	PROPN
ajis02-3201	193	25	al	al	PROPN
ajis02-3201	193	26	.	.	PROPN
ajis02-3201	193	27	,	,	PUNCT
ajis02-3201	193	28	2020	2020	NUM
ajis02-3201	193	29	)	)	PUNCT
ajis02-3201	193	30	,	,	PUNCT
ajis02-3201	193	31	we	we	PRON
ajis02-3201	193	32	confirmed	confirm	VERB
ajis02-3201	193	33	the	the	DET
ajis02-3201	193	34	predictive	predictive	ADJ
ajis02-3201	193	35	accuracy	accuracy	NOUN
ajis02-3201	193	36	of	of	ADP
ajis02-3201	193	37	the	the	DET
ajis02-3201	193	38	ann	ann	PROPN
ajis02-3201	193	39	models	model	NOUN
ajis02-3201	193	40	by	by	ADP
ajis02-3201	193	41	assessing	assess	VERB
ajis02-3201	193	42	the	the	DET
ajis02-3201	193	43	root	root	NOUN
ajis02-3201	193	44	mean	mean	ADJ
ajis02-3201	193	45	square	square	ADJ
ajis02-3201	193	46	errors	error	NOUN
ajis02-3201	193	47	(	(	PUNCT
ajis02-3201	193	48	rmse	rmse	NOUN
ajis02-3201	193	49	)	)	PUNCT
ajis02-3201	193	50	.	.	PUNCT
ajis02-3201	194	1	the	the	DET
ajis02-3201	194	2	models	model	NOUN
ajis02-3201	194	3	had	have	VERB
ajis02-3201	194	4	a	a	DET
ajis02-3201	194	5	high	high	ADJ
ajis02-3201	194	6	accuracy	accuracy	NOUN
ajis02-3201	194	7	of	of	ADP
ajis02-3201	194	8	prediction	prediction	NOUN
ajis02-3201	194	9	in	in	ADP
ajis02-3201	194	10	the	the	DET
ajis02-3201	194	11	case	case	NOUN
ajis02-3201	194	12	of	of	ADP
ajis02-3201	194	13	postponement	postponement	NOUN
ajis02-3201	194	14	,	,	PUNCT
ajis02-3201	194	15	with	with	ADP
ajis02-3201	194	16	the	the	DET
ajis02-3201	194	17	mean	mean	ADJ
ajis02-3201	194	18	rmse	rmse	NOUN
ajis02-3201	194	19	of	of	ADP
ajis02-3201	194	20	training	training	NOUN
ajis02-3201	194	21	data	datum	NOUN
ajis02-3201	194	22	equal	equal	ADJ
ajis02-3201	194	23	to	to	ADP
ajis02-3201	194	24	0.2004	0.2004	NUM
ajis02-3201	194	25	and	and	CCONJ
ajis02-3201	194	26	that	that	PRON
ajis02-3201	194	27	of	of	ADP
ajis02-3201	194	28	the	the	DET
ajis02-3201	194	29	validation	validation	NOUN
ajis02-3201	194	30	data	datum	NOUN
ajis02-3201	194	31	being	be	AUX
ajis02-3201	194	32	equal	equal	ADJ
ajis02-3201	194	33	to	to	ADP
ajis02-3201	194	34	0.2149	0.2149	NUM
ajis02-3201	194	35	.	.	PUNCT
ajis02-3201	195	1	the	the	DET
ajis02-3201	195	2	predictive	predictive	ADJ
ajis02-3201	195	3	accuracy	accuracy	NOUN
ajis02-3201	195	4	of	of	ADP
ajis02-3201	195	5	the	the	DET
ajis02-3201	195	6	models	model	NOUN
ajis02-3201	195	7	was	be	AUX
ajis02-3201	195	8	also	also	ADV
ajis02-3201	195	9	high	high	ADJ
ajis02-3201	195	10	in	in	ADP
ajis02-3201	195	11	the	the	DET
ajis02-3201	195	12	case	case	NOUN
ajis02-3201	195	13	of	of	ADP
ajis02-3201	195	14	opposition	opposition	NOUN
ajis02-3201	195	15	and	and	CCONJ
ajis02-3201	195	16	rejection	rejection	NOUN
ajis02-3201	195	17	,	,	PUNCT
ajis02-3201	195	18	with	with	ADP
ajis02-3201	195	19	the	the	DET
ajis02-3201	195	20	mean	mean	ADJ
ajis02-3201	195	21	rmse	rmse	NOUN
ajis02-3201	195	22	of	of	ADP
ajis02-3201	195	23	training	training	NOUN
ajis02-3201	195	24	data	datum	NOUN
ajis02-3201	195	25	equal	equal	ADJ
ajis02-3201	195	26	to	to	ADP
ajis02-3201	195	27	0.1748	0.1748	NUM
ajis02-3201	195	28	and	and	CCONJ
ajis02-3201	195	29	0.1970	0.1970	NUM
ajis02-3201	195	30	,	,	PUNCT
ajis02-3201	195	31	respectively	respectively	ADV
ajis02-3201	195	32	,	,	PUNCT
ajis02-3201	195	33	and	and	CCONJ
ajis02-3201	195	34	that	that	PRON
ajis02-3201	195	35	of	of	ADP
ajis02-3201	195	36	the	the	DET
ajis02-3201	195	37	validation	validation	NOUN
ajis02-3201	195	38	data	datum	NOUN
ajis02-3201	195	39	equal	equal	ADJ
ajis02-3201	195	40	to	to	ADP
ajis02-3201	195	41	0.1794	0.1794	NUM
ajis02-3201	195	42	and	and	CCONJ
ajis02-3201	195	43	0.2097	0.2097	NUM
ajis02-3201	195	44	.	.	PUNCT
ajis02-3201	196	1	australasian	australasian	ADJ
ajis02-3201	196	2	journal	journal	NOUN
ajis02-3201	196	3	of	of	ADP
ajis02-3201	196	4	information	information	NOUN
ajis02-3201	196	5	systems	system	NOUN
ajis02-3201	196	6	talwar	talwar	PROPN
ajis02-3201	196	7	et	et	PROPN
ajis02-3201	196	8	al	al	PROPN
ajis02-3201	196	9	.	.	PROPN
ajis02-3201	196	10	2021	2021	NUM
ajis02-3201	196	11	,	,	PUNCT
ajis02-3201	196	12	vol	vol	NOUN
ajis02-3201	196	13	25	25	NUM
ajis02-3201	196	14	,	,	PUNCT
ajis02-3201	196	15	research	research	NOUN
ajis02-3201	196	16	on	on	ADP
ajis02-3201	196	17	evaluation	evaluation	NOUN
ajis02-3201	196	18	a	a	DET
ajis02-3201	196	19	study	study	NOUN
ajis02-3201	196	20	of	of	ADP
ajis02-3201	196	21	mobile	mobile	ADJ
ajis02-3201	196	22	payment	payment	NOUN
ajis02-3201	196	23	innovations	innovation	NOUN
ajis02-3201	196	24	of	of	ADP
ajis02-3201	196	25	mobile	mobile	ADJ
ajis02-3201	196	26	applications	application	NOUN
ajis02-3201	196	27	14	14	NUM
ajis02-3201	196	28	α	α	PROPN
ajis02-3201	196	29	ave	ave	PROPN
ajis02-3201	196	30	cr	cr	X
ajis02-3201	196	31	ub	ub	PROPN
ajis02-3201	196	32	vb	vb	PROPN
ajis02-3201	196	33	rb	rb	ADV
ajis02-3201	196	34	tb	tb	ADP
ajis02-3201	196	35	ib	ib	NOUN
ajis02-3201	196	36	post	post	PROPN
ajis02-3201	196	37	opp	opp	PROPN
ajis02-3201	196	38	rej	rej	PROPN
ajis02-3201	196	39	ub	ub	ADP
ajis02-3201	196	40	0.92	0.92	NUM
ajis02-3201	196	41	0.72	0.72	NUM
ajis02-3201	196	42	0.93	0.93	NUM
ajis02-3201	196	43	0.85	0.85	NUM
ajis02-3201	196	44	vb	vb	NOUN
ajis02-3201	196	45	0.85	0.85	NUM
ajis02-3201	196	46	0.60	0.60	NUM
ajis02-3201	196	47	0.86	0.86	NUM
ajis02-3201	196	48	0.75	0.75	NUM
ajis02-3201	196	49	0.77	0.77	NUM
ajis02-3201	196	50	rb	rb	NOUN
ajis02-3201	196	51	0.90	0.90	NUM
ajis02-3201	196	52	0.71	0.71	NUM
ajis02-3201	196	53	0.92	0.92	NUM
ajis02-3201	196	54	0.59	0.59	NUM
ajis02-3201	196	55	0.57	0.57	NUM
ajis02-3201	196	56	0.84	0.84	NUM
ajis02-3201	196	57	tb	tb	ADP
ajis02-3201	196	58	0.82	0.82	NUM
ajis02-3201	196	59	0.57	0.57	NUM
ajis02-3201	196	60	0.85	0.85	NUM
ajis02-3201	196	61	0.51	0.51	NUM
ajis02-3201	196	62	0.55	0.55	NUM
ajis02-3201	196	63	0.38	0.38	NUM
ajis02-3201	196	64	0.75	0.75	NUM
ajis02-3201	196	65	ib	ib	NOUN
ajis02-3201	196	66	0.81	0.81	NUM
ajis02-3201	196	67	0.50	0.50	NUM
ajis02-3201	196	68	0.82	0.82	NUM
ajis02-3201	196	69	0.65	0.65	NUM
ajis02-3201	196	70	0.67	0.67	NUM
ajis02-3201	196	71	0.57	0.57	NUM
ajis02-3201	196	72	0.53	0.53	NUM
ajis02-3201	196	73	0.71	0.71	NUM
ajis02-3201	196	74	post	post	NOUN
ajis02-3201	196	75	0.92	0.92	NUM
ajis02-3201	196	76	0.68	0.68	NUM
ajis02-3201	196	77	0.92	0.92	NUM
ajis02-3201	196	78	0.52	0.52	NUM
ajis02-3201	196	79	0.57	0.57	NUM
ajis02-3201	196	80	0.41	0.41	NUM
ajis02-3201	196	81	0.41	0.41	NUM
ajis02-3201	196	82	0.60	0.60	NUM
ajis02-3201	196	83	0.82	0.82	NUM
ajis02-3201	196	84	opp	opp	PROPN
ajis02-3201	196	85	0.89	0.89	NUM
ajis02-3201	196	86	0.62	0.62	NUM
ajis02-3201	196	87	0.90	0.90	NUM
ajis02-3201	196	88	0.70	0.70	NUM
ajis02-3201	196	89	0.69	0.69	NUM
ajis02-3201	196	90	0.56	0.56	NUM
ajis02-3201	196	91	0.52	0.52	NUM
ajis02-3201	196	92	0.66	0.66	NUM
ajis02-3201	196	93	0.64	0.64	NUM
ajis02-3201	196	94	0.79	0.79	NUM
ajis02-3201	196	95	rej	rej	NOUN
ajis02-3201	196	96	0.76	0.76	NUM
ajis02-3201	196	97	0.58	0.58	NUM
ajis02-3201	196	98	0.80	0.80	NUM
ajis02-3201	196	99	0.62	0.62	NUM
ajis02-3201	196	100	0.54	0.54	NUM
ajis02-3201	196	101	0.39	0.39	NUM
ajis02-3201	196	102	0.45	0.45	NUM
ajis02-3201	196	103	0.45	0.45	NUM
ajis02-3201	196	104	0.40	0.40	NUM
ajis02-3201	196	105	0.57	0.57	NUM
ajis02-3201	196	106	0.76	0.76	NUM
ajis02-3201	196	107	table	table	NOUN
ajis02-3201	196	108	2	2	NUM
ajis02-3201	196	109	.	.	X
ajis02-3201	196	110	validity	validity	NOUN
ajis02-3201	196	111	and	and	CCONJ
ajis02-3201	196	112	reliability	reliability	NOUN
ajis02-3201	196	113	statistics	statistic	NOUN
ajis02-3201	196	114	α	α	X
ajis02-3201	196	115	=	=	X
ajis02-3201	196	116	cronbach	cronbach	PROPN
ajis02-3201	196	117	's	's	PART
ajis02-3201	196	118	alpha	alpha	NOUN
ajis02-3201	196	119	;	;	PUNCT
ajis02-3201	196	120	cr	cr	NOUN
ajis02-3201	196	121	=	=	SYM
ajis02-3201	196	122	composite	composite	ADJ
ajis02-3201	196	123	reliability	reliability	NOUN
ajis02-3201	196	124	;	;	PUNCT
ajis02-3201	196	125	ave	ave	NOUN
ajis02-3201	196	126	=	=	SYM
ajis02-3201	196	127	average	average	ADJ
ajis02-3201	196	128	variance	variance	NOUN
ajis02-3201	196	129	extracted	extract	VERB
ajis02-3201	196	130	;	;	PUNCT
ajis02-3201	196	131	ub	ub	ADP
ajis02-3201	196	132	=	=	VERB
ajis02-3201	196	133	usage	usage	NOUN
ajis02-3201	196	134	barrier	barrier	NOUN
ajis02-3201	196	135	;	;	PUNCT
ajis02-3201	196	136	vb	vb	NOUN
ajis02-3201	196	137	=	=	SYM
ajis02-3201	196	138	value	value	NOUN
ajis02-3201	196	139	barrier	barrier	NOUN
ajis02-3201	196	140	;	;	PUNCT
ajis02-3201	196	141	rb=	rb=	NOUN
ajis02-3201	196	142	risk	risk	NOUN
ajis02-3201	196	143	barrier	barrier	NOUN
ajis02-3201	196	144	;	;	PUNCT
ajis02-3201	196	145	tb	tb	NOUN
ajis02-3201	196	146	=	=	PUNCT
ajis02-3201	196	147	tradition	tradition	NOUN
ajis02-3201	196	148	barrier	barrier	NOUN
ajis02-3201	196	149	;	;	PUNCT
ajis02-3201	196	150	ib	ib	NOUN
ajis02-3201	196	151	=	=	NOUN
ajis02-3201	196	152	image	image	NOUN
ajis02-3201	196	153	barrier	barrier	NOUN
ajis02-3201	196	154	;	;	PUNCT
ajis02-3201	196	155	post	post	NOUN
ajis02-3201	196	156	=	=	SYM
ajis02-3201	196	157	postponement	postponement	NOUN
ajis02-3201	196	158	;	;	PUNCT
ajis02-3201	196	159	opp	opp	PROPN
ajis02-3201	196	160	=	=	PUNCT
ajis02-3201	196	161	opposition	opposition	NOUN
ajis02-3201	196	162	;	;	PUNCT
ajis02-3201	196	163	rej	rej	NOUN
ajis02-3201	196	164	=	=	PUNCT
ajis02-3201	196	165	rejection	rejection	NOUN
ajis02-3201	196	166	bold	bold	ADJ
ajis02-3201	196	167	values	value	NOUN
ajis02-3201	196	168	in	in	ADP
ajis02-3201	196	169	diagonal	diagonal	ADJ
ajis02-3201	196	170	are	be	AUX
ajis02-3201	196	171	the	the	DET
ajis02-3201	196	172	square	square	ADJ
ajis02-3201	196	173	root	root	NOUN
ajis02-3201	196	174	of	of	ADP
ajis02-3201	196	175	ave	ave	PROPN
ajis02-3201	196	176	,	,	PUNCT
ajis02-3201	196	177	and	and	CCONJ
ajis02-3201	196	178	the	the	DET
ajis02-3201	196	179	off	off	ADV
ajis02-3201	196	180	-	-	PUNCT
ajis02-3201	196	181	diagonal	diagonal	ADJ
ajis02-3201	196	182	values	value	NOUN
ajis02-3201	196	183	are	be	AUX
ajis02-3201	196	184	correlations	correlation	NOUN
ajis02-3201	196	185	(	(	PUNCT
ajis02-3201	196	186	significant	significant	ADJ
ajis02-3201	196	187	at	at	ADP
ajis02-3201	196	188	p	p	X
ajis02-3201	196	189	<	<	X
ajis02-3201	196	190	0.05	0.05	NUM
ajis02-3201	196	191	)	)	PUNCT
ajis02-3201	196	192	5.5	5.5	NUM
ajis02-3201	196	193	sensitivity	sensitivity	NOUN
ajis02-3201	196	194	analysis	analysis	NOUN
ajis02-3201	196	195	finally	finally	ADV
ajis02-3201	196	196	,	,	PUNCT
ajis02-3201	196	197	we	we	PRON
ajis02-3201	196	198	conducted	conduct	VERB
ajis02-3201	196	199	a	a	DET
ajis02-3201	196	200	sensitivity	sensitivity	NOUN
ajis02-3201	196	201	analysis	analysis	NOUN
ajis02-3201	196	202	to	to	PART
ajis02-3201	196	203	determine	determine	VERB
ajis02-3201	196	204	the	the	DET
ajis02-3201	196	205	relative	relative	ADJ
ajis02-3201	196	206	influence	influence	NOUN
ajis02-3201	196	207	of	of	ADP
ajis02-3201	196	208	the	the	DET
ajis02-3201	196	209	five	five	NUM
ajis02-3201	196	210	barriers	barrier	NOUN
ajis02-3201	196	211	on	on	ADP
ajis02-3201	196	212	the	the	DET
ajis02-3201	196	213	three	three	NUM
ajis02-3201	196	214	levels	level	NOUN
ajis02-3201	196	215	of	of	ADP
ajis02-3201	196	216	resistance	resistance	NOUN
ajis02-3201	196	217	/	/	SYM
ajis02-3201	196	218	non	non	NOUN
ajis02-3201	196	219	-	-	NOUN
ajis02-3201	196	220	adoption	adoption	NOUN
ajis02-3201	196	221	.	.	PUNCT
ajis02-3201	197	1	toward	toward	ADP
ajis02-3201	197	2	this	this	DET
ajis02-3201	197	3	end	end	NOUN
ajis02-3201	197	4	,	,	PUNCT
ajis02-3201	197	5	we	we	PRON
ajis02-3201	197	6	calculated	calculate	VERB
ajis02-3201	197	7	their	their	PRON
ajis02-3201	197	8	normalized	normalize	VERB
ajis02-3201	197	9	importance	importance	NOUN
ajis02-3201	197	10	by	by	ADP
ajis02-3201	197	11	expressing	express	VERB
ajis02-3201	197	12	each	each	DET
ajis02-3201	197	13	value	value	NOUN
ajis02-3201	197	14	as	as	ADP
ajis02-3201	197	15	a	a	DET
ajis02-3201	197	16	percentage	percentage	NOUN
ajis02-3201	197	17	of	of	ADP
ajis02-3201	197	18	the	the	DET
ajis02-3201	197	19	maximum	maximum	ADJ
ajis02-3201	197	20	relative	relative	ADJ
ajis02-3201	197	21	importance	importance	NOUN
ajis02-3201	197	22	.	.	PUNCT
ajis02-3201	198	1	as	as	SCONJ
ajis02-3201	198	2	presented	present	VERB
ajis02-3201	198	3	in	in	ADP
ajis02-3201	198	4	the	the	DET
ajis02-3201	198	5	heat	heat	NOUN
ajis02-3201	198	6	map	map	NOUN
ajis02-3201	198	7	in	in	ADP
ajis02-3201	198	8	figure	figure	NOUN
ajis02-3201	198	9	6	6	NUM
ajis02-3201	198	10	,	,	PUNCT
ajis02-3201	198	11	the	the	DET
ajis02-3201	198	12	influence	influence	NOUN
ajis02-3201	198	13	of	of	ADP
ajis02-3201	198	14	the	the	DET
ajis02-3201	198	15	five	five	NUM
ajis02-3201	198	16	barriers	barrier	NOUN
ajis02-3201	198	17	on	on	ADP
ajis02-3201	198	18	the	the	DET
ajis02-3201	198	19	three	three	NUM
ajis02-3201	198	20	levels	level	NOUN
ajis02-3201	198	21	of	of	ADP
ajis02-3201	198	22	resistance	resistance	NOUN
ajis02-3201	198	23	/	/	SYM
ajis02-3201	198	24	non	non	NOUN
ajis02-3201	198	25	-	-	NOUN
ajis02-3201	198	26	adoption	adoption	NOUN
ajis02-3201	198	27	differed	differ	VERB
ajis02-3201	198	28	.	.	PUNCT
ajis02-3201	199	1	figure	figure	VERB
ajis02-3201	199	2	6	6	NUM
ajis02-3201	199	3	.	.	PUNCT
ajis02-3201	199	4	heat	heat	NOUN
ajis02-3201	199	5	map	map	NOUN
ajis02-3201	199	6	of	of	ADP
ajis02-3201	199	7	the	the	DET
ajis02-3201	199	8	relative	relative	ADJ
ajis02-3201	199	9	influence	influence	NOUN
ajis02-3201	199	10	of	of	ADP
ajis02-3201	199	11	the	the	DET
ajis02-3201	199	12	irt	irt	PROPN
ajis02-3201	199	13	barriers	barrier	VERB
ajis02-3201	199	14	on	on	ADP
ajis02-3201	199	15	resistance	resistance	NOUN
ajis02-3201	199	16	/	/	SYM
ajis02-3201	199	17	non	non	NOUN
ajis02-3201	199	18	-	-	NOUN
ajis02-3201	199	19	adoption	adoption	ADJ
ajis02-3201	199	20	6	6	NUM
ajis02-3201	199	21	discussion	discussion	NOUN
ajis02-3201	199	22	of	of	ADP
ajis02-3201	199	23	findings	finding	NOUN
ajis02-3201	199	24	our	our	PRON
ajis02-3201	199	25	study	study	NOUN
ajis02-3201	199	26	revealed	reveal	VERB
ajis02-3201	199	27	that	that	SCONJ
ajis02-3201	199	28	all	all	DET
ajis02-3201	199	29	five	five	NUM
ajis02-3201	199	30	barriers	barrier	NOUN
ajis02-3201	199	31	influenced	influence	VERB
ajis02-3201	199	32	postponement	postponement	NOUN
ajis02-3201	199	33	,	,	PUNCT
ajis02-3201	199	34	opposition	opposition	NOUN
ajis02-3201	199	35	,	,	PUNCT
ajis02-3201	199	36	and	and	CCONJ
ajis02-3201	199	37	rejection	rejection	NOUN
ajis02-3201	199	38	intentions	intention	NOUN
ajis02-3201	199	39	toward	toward	ADP
ajis02-3201	199	40	m	m	NOUN
ajis02-3201	199	41	-	-	NOUN
ajis02-3201	199	42	payments	payment	NOUN
ajis02-3201	199	43	during	during	ADP
ajis02-3201	199	44	the	the	DET
ajis02-3201	199	45	covid-19	covid-19	PROPN
ajis02-3201	199	46	pandemic	pandemic	NOUN
ajis02-3201	199	47	.	.	PUNCT
ajis02-3201	200	1	fig	fig	NOUN
ajis02-3201	200	2	.	.	PUNCT
ajis02-3201	201	1	7	7	NUM
ajis02-3201	201	2	presents	present	VERB
ajis02-3201	201	3	the	the	DET
ajis02-3201	201	4	values	value	NOUN
ajis02-3201	201	5	,	,	PUNCT
ajis02-3201	201	6	direction	direction	NOUN
ajis02-3201	201	7	,	,	PUNCT
ajis02-3201	201	8	and	and	CCONJ
ajis02-3201	201	9	linearity	linearity	NOUN
ajis02-3201	201	10	/	/	SYM
ajis02-3201	201	11	non	non	NOUN
ajis02-3201	201	12	-	-	NOUN
ajis02-3201	201	13	linearity	linearity	NOUN
ajis02-3201	201	14	of	of	ADP
ajis02-3201	201	15	the	the	DET
ajis02-3201	201	16	relationships	relationship	NOUN
ajis02-3201	201	17	uncovered	uncover	VERB
ajis02-3201	201	18	by	by	ADP
ajis02-3201	201	19	our	our	PRON
ajis02-3201	201	20	analyses	analysis	NOUN
ajis02-3201	201	21	.	.	PUNCT
ajis02-3201	202	1	the	the	DET
ajis02-3201	202	2	finding	finding	NOUN
ajis02-3201	202	3	related	relate	VERB
ajis02-3201	202	4	to	to	ADP
ajis02-3201	202	5	the	the	DET
ajis02-3201	202	6	differences	difference	NOUN
ajis02-3201	202	7	in	in	ADP
ajis02-3201	202	8	how	how	SCONJ
ajis02-3201	202	9	the	the	DET
ajis02-3201	202	10	classic	classic	NOUN
ajis02-3201	202	11	irt	irt	PROPN
ajis02-3201	202	12	barriers	barrier	VERB
ajis02-3201	202	13	influence	influence	VERB
ajis02-3201	202	14	the	the	DET
ajis02-3201	202	15	three	three	NUM
ajis02-3201	202	16	levels	level	NOUN
ajis02-3201	202	17	of	of	ADP
ajis02-3201	202	18	resistance	resistance	NOUN
ajis02-3201	202	19	/	/	SYM
ajis02-3201	202	20	non	non	NOUN
ajis02-3201	202	21	-	-	NOUN
ajis02-3201	202	22	adoption	adoption	NOUN
ajis02-3201	202	23	is	be	AUX
ajis02-3201	202	24	in	in	ADP
ajis02-3201	202	25	consonance	consonance	NOUN
ajis02-3201	202	26	with	with	ADP
ajis02-3201	202	27	prior	prior	ADJ
ajis02-3201	202	28	studies	study	NOUN
ajis02-3201	202	29	in	in	ADP
ajis02-3201	202	30	different	different	ADJ
ajis02-3201	202	31	contexts	contexts	NOUN
ajis02-3201	202	32	(	(	PUNCT
ajis02-3201	202	33	elbadrawy	elbadrawy	X
ajis02-3201	202	34	australasian	australasian	ADJ
ajis02-3201	202	35	journal	journal	NOUN
ajis02-3201	202	36	of	of	ADP
ajis02-3201	202	37	information	information	NOUN
ajis02-3201	202	38	systems	system	NOUN
ajis02-3201	202	39	talwar	talwar	PROPN
ajis02-3201	202	40	et	et	PROPN
ajis02-3201	202	41	al	al	PROPN
ajis02-3201	202	42	.	.	PROPN
ajis02-3201	202	43	2021	2021	NUM
ajis02-3201	202	44	,	,	PUNCT
ajis02-3201	202	45	vol	vol	NOUN
ajis02-3201	202	46	25	25	NUM
ajis02-3201	202	47	,	,	PUNCT
ajis02-3201	202	48	research	research	NOUN
ajis02-3201	202	49	on	on	ADP
ajis02-3201	202	50	evaluation	evaluation	NOUN
ajis02-3201	202	51	a	a	DET
ajis02-3201	202	52	study	study	NOUN
ajis02-3201	202	53	of	of	ADP
ajis02-3201	202	54	mobile	mobile	ADJ
ajis02-3201	202	55	payment	payment	NOUN
ajis02-3201	202	56	innovations	innovation	NOUN
ajis02-3201	202	57	of	of	ADP
ajis02-3201	202	58	mobile	mobile	ADJ
ajis02-3201	202	59	applications	application	NOUN
ajis02-3201	202	60	15	15	NUM
ajis02-3201	202	61	&	&	CCONJ
ajis02-3201	202	62	aziz	aziz	PROPN
ajis02-3201	202	63	,	,	PUNCT
ajis02-3201	202	64	2011	2011	NUM
ajis02-3201	202	65	;	;	PUNCT
ajis02-3201	202	66	gurtner	gurtner	NOUN
ajis02-3201	202	67	,	,	PUNCT
ajis02-3201	202	68	2014	2014	NUM
ajis02-3201	202	69	;	;	PUNCT
ajis02-3201	202	70	laukkanen	laukkanen	PROPN
ajis02-3201	202	71	et	et	PROPN
ajis02-3201	202	72	al	al	PROPN
ajis02-3201	202	73	.	.	PROPN
ajis02-3201	202	74	,	,	PUNCT
ajis02-3201	202	75	2008	2008	NUM
ajis02-3201	202	76	;	;	PUNCT
ajis02-3201	202	77	laukkanen	laukkanen	NUM
ajis02-3201	202	78	,	,	PUNCT
ajis02-3201	202	79	2016	2016	NUM
ajis02-3201	202	80	;	;	PUNCT
ajis02-3201	202	81	lian	lian	PROPN
ajis02-3201	202	82	&	&	CCONJ
ajis02-3201	202	83	yen	yen	NOUN
ajis02-3201	202	84	,	,	PUNCT
ajis02-3201	202	85	2013	2013	NUM
ajis02-3201	202	86	)	)	PUNCT
ajis02-3201	202	87	.	.	PUNCT
ajis02-3201	203	1	the	the	DET
ajis02-3201	203	2	differences	difference	NOUN
ajis02-3201	203	3	in	in	ADP
ajis02-3201	203	4	the	the	DET
ajis02-3201	203	5	effect	effect	NOUN
ajis02-3201	203	6	of	of	ADP
ajis02-3201	203	7	each	each	DET
ajis02-3201	203	8	individual	individual	ADJ
ajis02-3201	203	9	barrier	barrier	NOUN
ajis02-3201	203	10	on	on	ADP
ajis02-3201	203	11	the	the	DET
ajis02-3201	203	12	three	three	NUM
ajis02-3201	203	13	levels	level	NOUN
ajis02-3201	203	14	of	of	ADP
ajis02-3201	203	15	resistance	resistance	NOUN
ajis02-3201	203	16	are	be	AUX
ajis02-3201	203	17	discussed	discuss	VERB
ajis02-3201	203	18	below	below	ADV
ajis02-3201	203	19	.	.	PUNCT
ajis02-3201	204	1	figure	figure	VERB
ajis02-3201	204	2	7	7	NUM
ajis02-3201	204	3	.	.	PUNCT
ajis02-3201	204	4	results	result	NOUN
ajis02-3201	204	5	of	of	ADP
ajis02-3201	204	6	sensitivity	sensitivity	NOUN
ajis02-3201	204	7	analysis	analysis	NOUN
ajis02-3201	204	8	usage	usage	NOUN
ajis02-3201	204	9	barrier	barrier	NOUN
ajis02-3201	204	10	and	and	CCONJ
ajis02-3201	204	11	resistance	resistance	NOUN
ajis02-3201	204	12	/	/	SYM
ajis02-3201	204	13	non	non	NOUN
ajis02-3201	204	14	-	-	NOUN
ajis02-3201	204	15	adoption	adoption	NOUN
ajis02-3201	204	16	:	:	PUNCT
ajis02-3201	204	17	based	base	VERB
ajis02-3201	204	18	on	on	ADP
ajis02-3201	204	19	the	the	DET
ajis02-3201	204	20	values	value	NOUN
ajis02-3201	204	21	of	of	ADP
ajis02-3201	204	22	normalized	normalize	VERB
ajis02-3201	204	23	relative	relative	ADJ
ajis02-3201	204	24	importance	importance	NOUN
ajis02-3201	204	25	,	,	PUNCT
ajis02-3201	204	26	the	the	DET
ajis02-3201	204	27	influence	influence	NOUN
ajis02-3201	204	28	of	of	ADP
ajis02-3201	204	29	the	the	DET
ajis02-3201	204	30	usage	usage	NOUN
ajis02-3201	204	31	barrier	barrier	NOUN
ajis02-3201	204	32	was	be	AUX
ajis02-3201	204	33	highest	high	ADJ
ajis02-3201	204	34	on	on	ADP
ajis02-3201	204	35	opposition	opposition	NOUN
ajis02-3201	204	36	and	and	CCONJ
ajis02-3201	204	37	rejection	rejection	NOUN
ajis02-3201	204	38	,	,	PUNCT
ajis02-3201	204	39	followed	follow	VERB
ajis02-3201	204	40	by	by	ADP
ajis02-3201	204	41	postponement	postponement	NOUN
ajis02-3201	204	42	(	(	PUNCT
ajis02-3201	204	43	figures	figure	NOUN
ajis02-3201	204	44	6	6	NUM
ajis02-3201	204	45	and	and	CCONJ
ajis02-3201	204	46	7	7	NUM
ajis02-3201	204	47	)	)	PUNCT
ajis02-3201	204	48	.	.	PUNCT
ajis02-3201	205	1	moreover	moreover	ADV
ajis02-3201	205	2	,	,	PUNCT
ajis02-3201	205	3	the	the	DET
ajis02-3201	205	4	relationship	relationship	NOUN
ajis02-3201	205	5	was	be	AUX
ajis02-3201	205	6	non	non	ADJ
ajis02-3201	205	7	-	-	ADJ
ajis02-3201	205	8	linear	linear	ADJ
ajis02-3201	205	9	and	and	CCONJ
ajis02-3201	205	10	positive	positive	ADJ
ajis02-3201	205	11	(	(	PUNCT
ajis02-3201	205	12	based	base	VERB
ajis02-3201	205	13	on	on	ADP
ajis02-3201	205	14	the	the	DET
ajis02-3201	205	15	correlation	correlation	NOUN
ajis02-3201	205	16	value	value	NOUN
ajis02-3201	205	17	in	in	ADP
ajis02-3201	205	18	table	table	NOUN
ajis02-3201	205	19	2	2	NUM
ajis02-3201	205	20	)	)	PUNCT
ajis02-3201	205	21	for	for	ADP
ajis02-3201	205	22	all	all	DET
ajis02-3201	205	23	three	three	NUM
ajis02-3201	205	24	dependent	dependent	ADJ
ajis02-3201	205	25	variables	variable	NOUN
ajis02-3201	205	26	.	.	PUNCT
ajis02-3201	206	1	this	this	PRON
ajis02-3201	206	2	implies	imply	VERB
ajis02-3201	206	3	that	that	SCONJ
ajis02-3201	206	4	consumers	consumer	NOUN
ajis02-3201	206	5	develop	develop	VERB
ajis02-3201	206	6	a	a	DET
ajis02-3201	206	7	strong	strong	ADJ
ajis02-3201	206	8	feeling	feeling	NOUN
ajis02-3201	206	9	of	of	ADP
ajis02-3201	206	10	opposition	opposition	NOUN
ajis02-3201	206	11	and	and	CCONJ
ajis02-3201	206	12	even	even	ADV
ajis02-3201	206	13	rejection	rejection	NOUN
ajis02-3201	206	14	toward	toward	ADP
ajis02-3201	206	15	such	such	ADJ
ajis02-3201	206	16	services	service	NOUN
ajis02-3201	206	17	due	due	ADP
ajis02-3201	206	18	to	to	ADP
ajis02-3201	206	19	issues	issue	NOUN
ajis02-3201	206	20	,	,	PUNCT
ajis02-3201	206	21	including	include	VERB
ajis02-3201	206	22	difficulty	difficulty	NOUN
ajis02-3201	206	23	in	in	ADP
ajis02-3201	206	24	handling	handle	VERB
ajis02-3201	206	25	the	the	DET
ajis02-3201	206	26	apps	app	NOUN
ajis02-3201	206	27	,	,	PUNCT
ajis02-3201	206	28	slow	slow	ADJ
ajis02-3201	206	29	interface	interface	NOUN
ajis02-3201	206	30	,	,	PUNCT
ajis02-3201	206	31	the	the	DET
ajis02-3201	206	32	tedious	tedious	ADJ
ajis02-3201	206	33	process	process	NOUN
ajis02-3201	206	34	of	of	ADP
ajis02-3201	206	35	using	use	VERB
ajis02-3201	206	36	them	they	PRON
ajis02-3201	206	37	to	to	PART
ajis02-3201	206	38	send	send	VERB
ajis02-3201	206	39	or	or	CCONJ
ajis02-3201	206	40	receive	receive	VERB
ajis02-3201	206	41	payments	payment	NOUN
ajis02-3201	206	42	,	,	PUNCT
ajis02-3201	206	43	and	and	CCONJ
ajis02-3201	206	44	the	the	DET
ajis02-3201	206	45	complicated	complicated	ADJ
ajis02-3201	206	46	information	information	NOUN
ajis02-3201	206	47	and	and	CCONJ
ajis02-3201	206	48	data	datum	NOUN
ajis02-3201	206	49	entry	entry	NOUN
ajis02-3201	206	50	requirements	requirement	NOUN
ajis02-3201	206	51	.	.	PUNCT
ajis02-3201	207	1	such	such	ADJ
ajis02-3201	207	2	issues	issue	NOUN
ajis02-3201	207	3	would	would	AUX
ajis02-3201	207	4	also	also	ADV
ajis02-3201	207	5	cause	cause	VERB
ajis02-3201	207	6	some	some	DET
ajis02-3201	207	7	individuals	individual	NOUN
ajis02-3201	207	8	to	to	PART
ajis02-3201	207	9	postpone	postpone	VERB
ajis02-3201	207	10	using	use	VERB
ajis02-3201	207	11	mpayments	mpayment	NOUN
ajis02-3201	207	12	while	while	SCONJ
ajis02-3201	207	13	they	they	PRON
ajis02-3201	207	14	seek	seek	VERB
ajis02-3201	207	15	more	more	ADJ
ajis02-3201	207	16	information	information	NOUN
ajis02-3201	207	17	.	.	PUNCT
ajis02-3201	208	1	however	however	ADV
ajis02-3201	208	2	,	,	PUNCT
ajis02-3201	208	3	the	the	DET
ajis02-3201	208	4	influence	influence	NOUN
ajis02-3201	208	5	of	of	ADP
ajis02-3201	208	6	the	the	DET
ajis02-3201	208	7	usage	usage	NOUN
ajis02-3201	208	8	barrier	barrier	NOUN
ajis02-3201	208	9	on	on	ADP
ajis02-3201	208	10	postponement	postponement	ADJ
ajis02-3201	208	11	intentions	intention	NOUN
ajis02-3201	208	12	is	be	AUX
ajis02-3201	208	13	very	very	ADV
ajis02-3201	208	14	small	small	ADJ
ajis02-3201	208	15	,	,	PUNCT
ajis02-3201	208	16	indicating	indicate	VERB
ajis02-3201	208	17	that	that	SCONJ
ajis02-3201	208	18	issues	issue	NOUN
ajis02-3201	208	19	with	with	ADP
ajis02-3201	208	20	handling	handling	NOUN
ajis02-3201	208	21	and	and	CCONJ
ajis02-3201	208	22	interface	interface	NOUN
ajis02-3201	208	23	are	be	AUX
ajis02-3201	208	24	unlikely	unlikely	ADJ
ajis02-3201	208	25	to	to	PART
ajis02-3201	208	26	cause	cause	VERB
ajis02-3201	208	27	consumers	consumer	NOUN
ajis02-3201	208	28	to	to	PART
ajis02-3201	208	29	postpone	postpone	VERB
ajis02-3201	208	30	using	use	VERB
ajis02-3201	208	31	such	such	ADJ
ajis02-3201	208	32	methods	method	NOUN
ajis02-3201	208	33	for	for	ADP
ajis02-3201	208	34	transactions	transaction	NOUN
ajis02-3201	208	35	.	.	PUNCT
ajis02-3201	209	1	value	value	NOUN
ajis02-3201	209	2	barrier	barrier	NOUN
ajis02-3201	209	3	and	and	CCONJ
ajis02-3201	209	4	resistance	resistance	NOUN
ajis02-3201	209	5	/	/	SYM
ajis02-3201	209	6	non	non	NOUN
ajis02-3201	209	7	-	-	NOUN
ajis02-3201	209	8	adoption	adoption	NOUN
ajis02-3201	209	9	:	:	PUNCT
ajis02-3201	209	10	the	the	DET
ajis02-3201	209	11	influence	influence	NOUN
ajis02-3201	209	12	of	of	ADP
ajis02-3201	209	13	the	the	DET
ajis02-3201	209	14	value	value	NOUN
ajis02-3201	209	15	barrier	barrier	NOUN
ajis02-3201	209	16	on	on	ADP
ajis02-3201	209	17	opposition	opposition	NOUN
ajis02-3201	209	18	and	and	CCONJ
ajis02-3201	209	19	postponement	postponement	NOUN
ajis02-3201	209	20	intentions	intention	NOUN
ajis02-3201	209	21	was	be	AUX
ajis02-3201	209	22	almost	almost	ADV
ajis02-3201	209	23	same	same	ADJ
ajis02-3201	209	24	,	,	PUNCT
ajis02-3201	209	25	as	as	SCONJ
ajis02-3201	209	26	seen	see	VERB
ajis02-3201	209	27	from	from	ADP
ajis02-3201	209	28	the	the	DET
ajis02-3201	209	29	values	value	NOUN
ajis02-3201	209	30	of	of	ADP
ajis02-3201	209	31	normalized	normalize	VERB
ajis02-3201	209	32	relative	relative	ADJ
ajis02-3201	209	33	importance	importance	NOUN
ajis02-3201	209	34	in	in	ADP
ajis02-3201	209	35	figures	figure	NOUN
ajis02-3201	209	36	6	6	NUM
ajis02-3201	209	37	and	and	CCONJ
ajis02-3201	209	38	7	7	NUM
ajis02-3201	209	39	.	.	PUNCT
ajis02-3201	210	1	moreover	moreover	ADV
ajis02-3201	210	2	,	,	PUNCT
ajis02-3201	210	3	the	the	DET
ajis02-3201	210	4	relationship	relationship	NOUN
ajis02-3201	210	5	was	be	AUX
ajis02-3201	210	6	positive	positive	ADJ
ajis02-3201	210	7	and	and	CCONJ
ajis02-3201	210	8	non	non	ADJ
ajis02-3201	210	9	-	-	ADJ
ajis02-3201	210	10	linear	linear	ADJ
ajis02-3201	210	11	.	.	PUNCT
ajis02-3201	211	1	this	this	DET
ajis02-3201	211	2	finding	finding	NOUN
ajis02-3201	211	3	implies	imply	VERB
ajis02-3201	211	4	that	that	SCONJ
ajis02-3201	211	5	if	if	SCONJ
ajis02-3201	211	6	consumers	consumer	NOUN
ajis02-3201	211	7	feel	feel	VERB
ajis02-3201	211	8	that	that	SCONJ
ajis02-3201	211	9	m	m	NOUN
ajis02-3201	211	10	-	-	PUNCT
ajis02-3201	211	11	payment	payment	NOUN
ajis02-3201	211	12	methods	method	NOUN
ajis02-3201	211	13	do	do	AUX
ajis02-3201	211	14	not	not	PART
ajis02-3201	211	15	offer	offer	VERB
ajis02-3201	211	16	any	any	DET
ajis02-3201	211	17	additional	additional	ADJ
ajis02-3201	211	18	advantages	advantage	NOUN
ajis02-3201	211	19	for	for	ADP
ajis02-3201	211	20	sending	send	VERB
ajis02-3201	211	21	and	and	CCONJ
ajis02-3201	211	22	receiving	receive	VERB
ajis02-3201	211	23	payments	payment	NOUN
ajis02-3201	211	24	compared	compare	VERB
ajis02-3201	211	25	with	with	ADP
ajis02-3201	211	26	other	other	ADJ
ajis02-3201	211	27	methods	method	NOUN
ajis02-3201	211	28	,	,	PUNCT
ajis02-3201	211	29	such	such	ADJ
ajis02-3201	211	30	as	as	ADP
ajis02-3201	211	31	cash	cash	NOUN
ajis02-3201	211	32	,	,	PUNCT
ajis02-3201	211	33	card	card	NOUN
ajis02-3201	211	34	,	,	PUNCT
ajis02-3201	211	35	and	and	CCONJ
ajis02-3201	211	36	internet	internet	NOUN
ajis02-3201	211	37	banking	banking	NOUN
ajis02-3201	211	38	,	,	PUNCT
ajis02-3201	211	39	they	they	PRON
ajis02-3201	211	40	are	be	AUX
ajis02-3201	211	41	likely	likely	ADJ
ajis02-3201	211	42	to	to	PART
ajis02-3201	211	43	postpone	postpone	VERB
ajis02-3201	211	44	or	or	CCONJ
ajis02-3201	211	45	even	even	ADV
ajis02-3201	211	46	oppose	oppose	VERB
ajis02-3201	211	47	the	the	DET
ajis02-3201	211	48	use	use	NOUN
ajis02-3201	211	49	of	of	ADP
ajis02-3201	211	50	these	these	DET
ajis02-3201	211	51	methods	method	NOUN
ajis02-3201	211	52	.	.	PUNCT
ajis02-3201	212	1	similarly	similarly	ADV
ajis02-3201	212	2	,	,	PUNCT
ajis02-3201	212	3	limits	limit	NOUN
ajis02-3201	212	4	on	on	ADP
ajis02-3201	212	5	the	the	DET
ajis02-3201	212	6	amount	amount	NOUN
ajis02-3201	212	7	of	of	ADP
ajis02-3201	212	8	money	money	NOUN
ajis02-3201	212	9	that	that	PRON
ajis02-3201	212	10	can	can	AUX
ajis02-3201	212	11	be	be	AUX
ajis02-3201	212	12	transferred	transfer	VERB
ajis02-3201	212	13	in	in	ADP
ajis02-3201	212	14	a	a	DET
ajis02-3201	212	15	day	day	NOUN
ajis02-3201	212	16	,	,	PUNCT
ajis02-3201	212	17	no	no	DET
ajis02-3201	212	18	enhancement	enhancement	NOUN
ajis02-3201	212	19	in	in	ADP
ajis02-3201	212	20	the	the	DET
ajis02-3201	212	21	ability	ability	NOUN
ajis02-3201	212	22	to	to	PART
ajis02-3201	212	23	control	control	VERB
ajis02-3201	212	24	financial	financial	ADJ
ajis02-3201	212	25	matters	matter	NOUN
ajis02-3201	212	26	,	,	PUNCT
ajis02-3201	212	27	and	and	CCONJ
ajis02-3201	212	28	limited	limited	ADJ
ajis02-3201	212	29	promotional	promotional	ADJ
ajis02-3201	212	30	benefits	benefit	NOUN
ajis02-3201	212	31	,	,	PUNCT
ajis02-3201	212	32	such	such	ADJ
ajis02-3201	212	33	australasian	australasian	ADJ
ajis02-3201	212	34	journal	journal	NOUN
ajis02-3201	212	35	of	of	ADP
ajis02-3201	212	36	information	information	NOUN
ajis02-3201	212	37	systems	system	NOUN
ajis02-3201	212	38	talwar	talwar	PROPN
ajis02-3201	212	39	et	et	PROPN
ajis02-3201	212	40	al	al	PROPN
ajis02-3201	212	41	.	.	PROPN
ajis02-3201	212	42	2021	2021	NUM
ajis02-3201	212	43	,	,	PUNCT
ajis02-3201	212	44	vol	vol	NOUN
ajis02-3201	212	45	25	25	NUM
ajis02-3201	212	46	,	,	PUNCT
ajis02-3201	212	47	research	research	NOUN
ajis02-3201	212	48	on	on	ADP
ajis02-3201	212	49	evaluation	evaluation	NOUN
ajis02-3201	212	50	a	a	DET
ajis02-3201	212	51	study	study	NOUN
ajis02-3201	212	52	of	of	ADP
ajis02-3201	212	53	mobile	mobile	ADJ
ajis02-3201	212	54	payment	payment	NOUN
ajis02-3201	212	55	innovations	innovation	NOUN
ajis02-3201	212	56	of	of	ADP
ajis02-3201	212	57	mobile	mobile	ADJ
ajis02-3201	212	58	applications	application	NOUN
ajis02-3201	212	59	16	16	NUM
ajis02-3201	212	60	as	as	ADP
ajis02-3201	212	61	a	a	DET
ajis02-3201	212	62	discount	discount	NOUN
ajis02-3201	212	63	or	or	CCONJ
ajis02-3201	212	64	cashback	cashback	NOUN
ajis02-3201	212	65	,	,	PUNCT
ajis02-3201	212	66	influence	influence	VERB
ajis02-3201	212	67	the	the	DET
ajis02-3201	212	68	intentions	intention	NOUN
ajis02-3201	212	69	to	to	PART
ajis02-3201	212	70	postpone	postpone	VERB
ajis02-3201	212	71	or	or	CCONJ
ajis02-3201	212	72	oppose	oppose	VERB
ajis02-3201	212	73	the	the	DET
ajis02-3201	212	74	use	use	NOUN
ajis02-3201	212	75	of	of	ADP
ajis02-3201	212	76	these	these	DET
ajis02-3201	212	77	methods	method	NOUN
ajis02-3201	212	78	for	for	ADP
ajis02-3201	212	79	sending	send	VERB
ajis02-3201	212	80	and	and	CCONJ
ajis02-3201	212	81	receiving	receive	VERB
ajis02-3201	212	82	payments	payment	NOUN
ajis02-3201	212	83	during	during	ADP
ajis02-3201	212	84	a	a	DET
ajis02-3201	212	85	pandemic	pandemic	NOUN
ajis02-3201	212	86	.	.	PUNCT
ajis02-3201	213	1	finally	finally	ADV
ajis02-3201	213	2	,	,	PUNCT
ajis02-3201	213	3	the	the	DET
ajis02-3201	213	4	influence	influence	NOUN
ajis02-3201	213	5	of	of	ADP
ajis02-3201	213	6	the	the	DET
ajis02-3201	213	7	value	value	NOUN
ajis02-3201	213	8	barrier	barrier	NOUN
ajis02-3201	213	9	on	on	ADP
ajis02-3201	213	10	rejection	rejection	NOUN
ajis02-3201	213	11	intentions	intention	NOUN
ajis02-3201	213	12	was	be	AUX
ajis02-3201	213	13	quite	quite	ADV
ajis02-3201	213	14	small	small	ADJ
ajis02-3201	213	15	,	,	PUNCT
ajis02-3201	213	16	indicating	indicate	VERB
ajis02-3201	213	17	that	that	SCONJ
ajis02-3201	213	18	the	the	DET
ajis02-3201	213	19	lack	lack	NOUN
ajis02-3201	213	20	of	of	ADP
ajis02-3201	213	21	value	value	NOUN
ajis02-3201	213	22	offered	offer	VERB
ajis02-3201	213	23	is	be	AUX
ajis02-3201	213	24	unlikely	unlikely	ADJ
ajis02-3201	213	25	to	to	PART
ajis02-3201	213	26	lead	lead	VERB
ajis02-3201	213	27	consumers	consumer	NOUN
ajis02-3201	213	28	to	to	PART
ajis02-3201	213	29	completely	completely	ADV
ajis02-3201	213	30	reject	reject	VERB
ajis02-3201	213	31	m	m	ADJ
ajis02-3201	213	32	-	-	PUNCT
ajis02-3201	213	33	payment	payment	NOUN
ajis02-3201	213	34	methods	method	NOUN
ajis02-3201	213	35	for	for	ADP
ajis02-3201	213	36	sending	send	VERB
ajis02-3201	213	37	and	and	CCONJ
ajis02-3201	213	38	receiving	receive	VERB
ajis02-3201	213	39	payments	payment	NOUN
ajis02-3201	213	40	during	during	ADP
ajis02-3201	213	41	the	the	DET
ajis02-3201	213	42	pandemic	pandemic	NOUN
ajis02-3201	213	43	.	.	PUNCT
ajis02-3201	214	1	this	this	DET
ajis02-3201	214	2	relationship	relationship	NOUN
ajis02-3201	214	3	was	be	AUX
ajis02-3201	214	4	also	also	ADV
ajis02-3201	214	5	positive	positive	ADJ
ajis02-3201	214	6	and	and	CCONJ
ajis02-3201	214	7	non	non	ADJ
ajis02-3201	214	8	-	-	ADJ
ajis02-3201	214	9	linear	linear	ADJ
ajis02-3201	214	10	(	(	PUNCT
ajis02-3201	214	11	table	table	NOUN
ajis02-3201	214	12	2	2	NUM
ajis02-3201	214	13	and	and	CCONJ
ajis02-3201	214	14	figure	figure	VERB
ajis02-3201	214	15	7	7	NUM
ajis02-3201	214	16	)	)	PUNCT
ajis02-3201	214	17	.	.	PUNCT
ajis02-3201	215	1	risk	risk	NOUN
ajis02-3201	215	2	barrier	barrier	NOUN
ajis02-3201	215	3	and	and	CCONJ
ajis02-3201	215	4	resistance	resistance	NOUN
ajis02-3201	215	5	/	/	SYM
ajis02-3201	215	6	non	non	NOUN
ajis02-3201	215	7	-	-	NOUN
ajis02-3201	215	8	adoption	adoption	NOUN
ajis02-3201	215	9	:	:	PUNCT
ajis02-3201	215	10	surprisingly	surprisingly	ADV
ajis02-3201	215	11	,	,	PUNCT
ajis02-3201	215	12	the	the	DET
ajis02-3201	215	13	risk	risk	NOUN
ajis02-3201	215	14	barrier	barrier	NOUN
ajis02-3201	215	15	had	have	VERB
ajis02-3201	215	16	the	the	DET
ajis02-3201	215	17	lowest	low	ADJ
ajis02-3201	215	18	relative	relative	ADJ
ajis02-3201	215	19	influence	influence	NOUN
ajis02-3201	215	20	of	of	ADP
ajis02-3201	215	21	all	all	DET
ajis02-3201	215	22	three	three	NUM
ajis02-3201	215	23	levels	level	NOUN
ajis02-3201	215	24	of	of	ADP
ajis02-3201	215	25	resistance	resistance	NOUN
ajis02-3201	215	26	/	/	SYM
ajis02-3201	215	27	non	non	NOUN
ajis02-3201	215	28	-	-	NOUN
ajis02-3201	215	29	adoption	adoption	NOUN
ajis02-3201	215	30	,	,	PUNCT
ajis02-3201	215	31	as	as	SCONJ
ajis02-3201	215	32	seen	see	VERB
ajis02-3201	215	33	from	from	ADP
ajis02-3201	215	34	the	the	DET
ajis02-3201	215	35	value	value	NOUN
ajis02-3201	215	36	of	of	ADP
ajis02-3201	215	37	its	its	PRON
ajis02-3201	215	38	normalized	normalize	VERB
ajis02-3201	215	39	relative	relative	ADJ
ajis02-3201	215	40	importance	importance	NOUN
ajis02-3201	215	41	(	(	PUNCT
ajis02-3201	215	42	figure	figure	NOUN
ajis02-3201	215	43	6	6	NUM
ajis02-3201	215	44	)	)	PUNCT
ajis02-3201	215	45	.	.	PUNCT
ajis02-3201	216	1	moreover	moreover	ADV
ajis02-3201	216	2	,	,	PUNCT
ajis02-3201	216	3	the	the	DET
ajis02-3201	216	4	relationship	relationship	NOUN
ajis02-3201	216	5	was	be	AUX
ajis02-3201	216	6	positive	positive	ADJ
ajis02-3201	216	7	and	and	CCONJ
ajis02-3201	216	8	linear	linear	ADJ
ajis02-3201	216	9	in	in	ADP
ajis02-3201	216	10	the	the	DET
ajis02-3201	216	11	case	case	NOUN
ajis02-3201	216	12	of	of	ADP
ajis02-3201	216	13	postponement	postponement	NOUN
ajis02-3201	216	14	and	and	CCONJ
ajis02-3201	216	15	positive	positive	ADJ
ajis02-3201	216	16	and	and	CCONJ
ajis02-3201	216	17	non	non	ADJ
ajis02-3201	216	18	-	-	ADJ
ajis02-3201	216	19	linear	linear	ADJ
ajis02-3201	216	20	in	in	ADP
ajis02-3201	216	21	the	the	DET
ajis02-3201	216	22	case	case	NOUN
ajis02-3201	216	23	of	of	ADP
ajis02-3201	216	24	opposition	opposition	NOUN
ajis02-3201	216	25	and	and	CCONJ
ajis02-3201	216	26	rejection	rejection	NOUN
ajis02-3201	216	27	(	(	PUNCT
ajis02-3201	216	28	table	table	NOUN
ajis02-3201	216	29	2	2	NUM
ajis02-3201	216	30	and	and	CCONJ
ajis02-3201	216	31	figure	figure	VERB
ajis02-3201	216	32	7	7	NUM
ajis02-3201	216	33	)	)	PUNCT
ajis02-3201	216	34	.	.	PUNCT
ajis02-3201	217	1	these	these	DET
ajis02-3201	217	2	results	result	NOUN
ajis02-3201	217	3	imply	imply	VERB
ajis02-3201	217	4	that	that	SCONJ
ajis02-3201	217	5	the	the	DET
ajis02-3201	217	6	fear	fear	NOUN
ajis02-3201	217	7	of	of	ADP
ajis02-3201	217	8	transferring	transfer	VERB
ajis02-3201	217	9	money	money	NOUN
ajis02-3201	217	10	to	to	ADP
ajis02-3201	217	11	the	the	DET
ajis02-3201	217	12	wrong	wrong	ADJ
ajis02-3201	217	13	contact	contact	NOUN
ajis02-3201	217	14	,	,	PUNCT
ajis02-3201	217	15	paying	pay	VERB
ajis02-3201	217	16	extra	extra	ADJ
ajis02-3201	217	17	amounts	amount	NOUN
ajis02-3201	217	18	,	,	PUNCT
ajis02-3201	217	19	being	be	AUX
ajis02-3201	217	20	debited	debit	VERB
ajis02-3201	217	21	multiple	multiple	ADJ
ajis02-3201	217	22	times	time	NOUN
ajis02-3201	217	23	,	,	PUNCT
ajis02-3201	217	24	and	and	CCONJ
ajis02-3201	217	25	failed	fail	VERB
ajis02-3201	217	26	transactions	transaction	NOUN
ajis02-3201	217	27	have	have	VERB
ajis02-3201	217	28	a	a	DET
ajis02-3201	217	29	relatively	relatively	ADV
ajis02-3201	217	30	low	low	ADJ
ajis02-3201	217	31	influence	influence	NOUN
ajis02-3201	217	32	in	in	ADP
ajis02-3201	217	33	causing	cause	VERB
ajis02-3201	217	34	consumers	consumer	NOUN
ajis02-3201	217	35	to	to	PART
ajis02-3201	217	36	postpone	postpone	VERB
ajis02-3201	217	37	,	,	PUNCT
ajis02-3201	217	38	oppose	oppose	VERB
ajis02-3201	217	39	,	,	PUNCT
ajis02-3201	217	40	or	or	CCONJ
ajis02-3201	217	41	reject	reject	VERB
ajis02-3201	217	42	the	the	DET
ajis02-3201	217	43	use	use	NOUN
ajis02-3201	217	44	of	of	ADP
ajis02-3201	217	45	these	these	DET
ajis02-3201	217	46	methods	method	NOUN
ajis02-3201	217	47	.	.	PUNCT
ajis02-3201	218	1	consequently	consequently	ADV
ajis02-3201	218	2	,	,	PUNCT
ajis02-3201	218	3	the	the	DET
ajis02-3201	218	4	issues	issue	NOUN
ajis02-3201	218	5	related	relate	VERB
ajis02-3201	218	6	to	to	ADP
ajis02-3201	218	7	the	the	DET
ajis02-3201	218	8	safety	safety	NOUN
ajis02-3201	218	9	of	of	ADP
ajis02-3201	218	10	making	make	VERB
ajis02-3201	218	11	a	a	DET
ajis02-3201	218	12	mobile	mobile	NOUN
ajis02-3201	218	13	-	-	PUNCT
ajis02-3201	218	14	based	base	VERB
ajis02-3201	218	15	payment	payment	NOUN
ajis02-3201	218	16	may	may	AUX
ajis02-3201	218	17	not	not	PART
ajis02-3201	218	18	cause	cause	VERB
ajis02-3201	218	19	consumers	consumer	NOUN
ajis02-3201	218	20	to	to	PART
ajis02-3201	218	21	delay	delay	VERB
ajis02-3201	218	22	using	use	VERB
ajis02-3201	218	23	them	they	PRON
ajis02-3201	218	24	,	,	PUNCT
ajis02-3201	218	25	actively	actively	ADV
ajis02-3201	218	26	criticize	criticize	VERB
ajis02-3201	218	27	them	they	PRON
ajis02-3201	218	28	,	,	PUNCT
ajis02-3201	218	29	or	or	CCONJ
ajis02-3201	218	30	try	try	VERB
ajis02-3201	218	31	to	to	PART
ajis02-3201	218	32	prevent	prevent	VERB
ajis02-3201	218	33	others	other	NOUN
ajis02-3201	218	34	from	from	ADP
ajis02-3201	218	35	using	use	VERB
ajis02-3201	218	36	them	they	PRON
ajis02-3201	218	37	.	.	PUNCT
ajis02-3201	219	1	tradition	tradition	NOUN
ajis02-3201	219	2	barrier	barrier	NOUN
ajis02-3201	219	3	and	and	CCONJ
ajis02-3201	219	4	resistance	resistance	NOUN
ajis02-3201	219	5	/	/	SYM
ajis02-3201	219	6	non	non	NOUN
ajis02-3201	219	7	-	-	NOUN
ajis02-3201	219	8	adoption	adoption	NOUN
ajis02-3201	219	9	:	:	PUNCT
ajis02-3201	219	10	based	base	VERB
ajis02-3201	219	11	on	on	ADP
ajis02-3201	219	12	the	the	DET
ajis02-3201	219	13	value	value	NOUN
ajis02-3201	219	14	of	of	ADP
ajis02-3201	219	15	normalized	normalize	VERB
ajis02-3201	219	16	relative	relative	ADJ
ajis02-3201	219	17	importance	importance	NOUN
ajis02-3201	219	18	,	,	PUNCT
ajis02-3201	219	19	as	as	SCONJ
ajis02-3201	219	20	presented	present	VERB
ajis02-3201	219	21	in	in	ADP
ajis02-3201	219	22	the	the	DET
ajis02-3201	219	23	heat	heat	NOUN
ajis02-3201	219	24	map	map	NOUN
ajis02-3201	219	25	in	in	ADP
ajis02-3201	219	26	fig	fig	NOUN
ajis02-3201	219	27	.	.	PUNCT
ajis02-3201	220	1	6	6	NUM
ajis02-3201	220	2	,	,	PUNCT
ajis02-3201	220	3	the	the	DET
ajis02-3201	220	4	tradition	tradition	NOUN
ajis02-3201	220	5	barrier	barrier	NOUN
ajis02-3201	220	6	had	have	VERB
ajis02-3201	220	7	a	a	DET
ajis02-3201	220	8	maximum	maximum	ADJ
ajis02-3201	220	9	influence	influence	NOUN
ajis02-3201	220	10	on	on	ADP
ajis02-3201	220	11	opposition	opposition	NOUN
ajis02-3201	220	12	intentions	intention	NOUN
ajis02-3201	220	13	,	,	PUNCT
ajis02-3201	220	14	followed	follow	VERB
ajis02-3201	220	15	by	by	ADP
ajis02-3201	220	16	some	some	DET
ajis02-3201	220	17	influence	influence	NOUN
ajis02-3201	220	18	on	on	ADP
ajis02-3201	220	19	rejection	rejection	NOUN
ajis02-3201	220	20	intentions	intention	NOUN
ajis02-3201	220	21	and	and	CCONJ
ajis02-3201	220	22	comparatively	comparatively	ADV
ajis02-3201	220	23	low	low	ADJ
ajis02-3201	220	24	influence	influence	NOUN
ajis02-3201	220	25	on	on	ADP
ajis02-3201	220	26	postponement	postponement	NOUN
ajis02-3201	220	27	intentions	intention	NOUN
ajis02-3201	220	28	.	.	PUNCT
ajis02-3201	221	1	moreover	moreover	ADV
ajis02-3201	221	2	,	,	PUNCT
ajis02-3201	221	3	the	the	DET
ajis02-3201	221	4	relationship	relationship	NOUN
ajis02-3201	221	5	was	be	AUX
ajis02-3201	221	6	positive	positive	ADJ
ajis02-3201	221	7	and	and	CCONJ
ajis02-3201	221	8	linear	linear	ADJ
ajis02-3201	221	9	for	for	ADP
ajis02-3201	221	10	all	all	DET
ajis02-3201	221	11	three	three	NUM
ajis02-3201	221	12	levels	level	NOUN
ajis02-3201	221	13	of	of	ADP
ajis02-3201	221	14	resistance	resistance	NOUN
ajis02-3201	221	15	/	/	SYM
ajis02-3201	221	16	non	non	NOUN
ajis02-3201	221	17	-	-	NOUN
ajis02-3201	221	18	adoption	adoption	ADJ
ajis02-3201	221	19	(	(	PUNCT
ajis02-3201	221	20	table	table	NOUN
ajis02-3201	221	21	2	2	NUM
ajis02-3201	221	22	and	and	CCONJ
ajis02-3201	221	23	figure	figure	VERB
ajis02-3201	221	24	7	7	NUM
ajis02-3201	221	25	)	)	PUNCT
ajis02-3201	221	26	,	,	PUNCT
ajis02-3201	221	27	suggesting	suggest	VERB
ajis02-3201	221	28	that	that	SCONJ
ajis02-3201	221	29	if	if	SCONJ
ajis02-3201	221	30	consumers	consumer	NOUN
ajis02-3201	221	31	are	be	AUX
ajis02-3201	221	32	more	more	ADV
ajis02-3201	221	33	comfortable	comfortable	ADJ
ajis02-3201	221	34	with	with	ADP
ajis02-3201	221	35	cash	cash	NOUN
ajis02-3201	221	36	transactions	transaction	NOUN
ajis02-3201	221	37	for	for	ADP
ajis02-3201	221	38	sending	send	VERB
ajis02-3201	221	39	and	and	CCONJ
ajis02-3201	221	40	receiving	receive	VERB
ajis02-3201	221	41	payments	payment	NOUN
ajis02-3201	221	42	and	and	CCONJ
ajis02-3201	221	43	prefer	prefer	AUX
ajis02-3201	221	44	physically	physically	ADV
ajis02-3201	221	45	going	go	VERB
ajis02-3201	221	46	to	to	ADP
ajis02-3201	221	47	banks	bank	NOUN
ajis02-3201	221	48	to	to	PART
ajis02-3201	221	49	make	make	VERB
ajis02-3201	221	50	money	money	NOUN
ajis02-3201	221	51	transfers	transfer	NOUN
ajis02-3201	221	52	,	,	PUNCT
ajis02-3201	221	53	they	they	PRON
ajis02-3201	221	54	are	be	AUX
ajis02-3201	221	55	also	also	ADV
ajis02-3201	221	56	likely	likely	ADJ
ajis02-3201	221	57	to	to	PART
ajis02-3201	221	58	actively	actively	ADV
ajis02-3201	221	59	attack	attack	VERB
ajis02-3201	221	60	or	or	CCONJ
ajis02-3201	221	61	protest	protest	VERB
ajis02-3201	221	62	the	the	DET
ajis02-3201	221	63	use	use	NOUN
ajis02-3201	221	64	of	of	ADP
ajis02-3201	221	65	m	m	NOUN
ajis02-3201	221	66	-	-	NOUN
ajis02-3201	221	67	payments	payment	NOUN
ajis02-3201	221	68	and	and	CCONJ
ajis02-3201	221	69	discourage	discourage	VERB
ajis02-3201	221	70	others	other	NOUN
ajis02-3201	221	71	from	from	ADP
ajis02-3201	221	72	using	use	VERB
ajis02-3201	221	73	them	they	PRON
ajis02-3201	221	74	.	.	PUNCT
ajis02-3201	222	1	moreover	moreover	ADV
ajis02-3201	222	2	,	,	PUNCT
ajis02-3201	222	3	such	such	ADJ
ajis02-3201	222	4	consumers	consumer	NOUN
ajis02-3201	222	5	would	would	AUX
ajis02-3201	222	6	oppose	oppose	VERB
ajis02-3201	222	7	or	or	CCONJ
ajis02-3201	222	8	even	even	ADV
ajis02-3201	222	9	reject	reject	VERB
ajis02-3201	222	10	the	the	DET
ajis02-3201	222	11	use	use	NOUN
ajis02-3201	222	12	of	of	ADP
ajis02-3201	222	13	m	m	NOUN
ajis02-3201	222	14	-	-	PUNCT
ajis02-3201	222	15	payment	payment	NOUN
ajis02-3201	222	16	methods	method	NOUN
ajis02-3201	222	17	on	on	ADP
ajis02-3201	222	18	the	the	DET
ajis02-3201	222	19	grounds	ground	NOUN
ajis02-3201	222	20	that	that	SCONJ
ajis02-3201	222	21	they	they	PRON
ajis02-3201	222	22	are	be	AUX
ajis02-3201	222	23	out	out	ADP
ajis02-3201	222	24	of	of	ADP
ajis02-3201	222	25	sync	sync	NOUN
ajis02-3201	222	26	with	with	ADP
ajis02-3201	222	27	the	the	DET
ajis02-3201	222	28	well	well	ADV
ajis02-3201	222	29	-	-	PUNCT
ajis02-3201	222	30	entrenched	entrench	VERB
ajis02-3201	222	31	ways	way	NOUN
ajis02-3201	222	32	of	of	ADP
ajis02-3201	222	33	sending	send	VERB
ajis02-3201	222	34	and	and	CCONJ
ajis02-3201	222	35	receiving	receive	VERB
ajis02-3201	222	36	payments	payment	NOUN
ajis02-3201	222	37	.	.	PUNCT
ajis02-3201	223	1	image	image	NOUN
ajis02-3201	223	2	barrier	barrier	NOUN
ajis02-3201	223	3	and	and	CCONJ
ajis02-3201	223	4	resistance	resistance	NOUN
ajis02-3201	223	5	/	/	SYM
ajis02-3201	223	6	non	non	NOUN
ajis02-3201	223	7	-	-	NOUN
ajis02-3201	223	8	adoption	adoption	NOUN
ajis02-3201	223	9	:	:	PUNCT
ajis02-3201	223	10	finally	finally	ADV
ajis02-3201	223	11	,	,	PUNCT
ajis02-3201	223	12	the	the	DET
ajis02-3201	223	13	image	image	NOUN
ajis02-3201	223	14	barrier	barrier	NOUN
ajis02-3201	223	15	was	be	AUX
ajis02-3201	223	16	the	the	DET
ajis02-3201	223	17	most	most	ADV
ajis02-3201	223	18	important	important	ADJ
ajis02-3201	223	19	barrier	barrier	NOUN
ajis02-3201	223	20	for	for	ADP
ajis02-3201	223	21	postponement	postponement	NOUN
ajis02-3201	223	22	intentions	intention	NOUN
ajis02-3201	223	23	,	,	PUNCT
ajis02-3201	223	24	followed	follow	VERB
ajis02-3201	223	25	by	by	ADP
ajis02-3201	223	26	opposition	opposition	NOUN
ajis02-3201	223	27	intentions	intention	NOUN
ajis02-3201	223	28	and	and	CCONJ
ajis02-3201	223	29	rejection	rejection	NOUN
ajis02-3201	223	30	intentions	intention	NOUN
ajis02-3201	223	31	,	,	PUNCT
ajis02-3201	223	32	as	as	SCONJ
ajis02-3201	223	33	indicated	indicate	VERB
ajis02-3201	223	34	by	by	ADP
ajis02-3201	223	35	the	the	DET
ajis02-3201	223	36	normalized	normalize	VERB
ajis02-3201	223	37	relative	relative	ADJ
ajis02-3201	223	38	importance	importance	NOUN
ajis02-3201	223	39	values	value	NOUN
ajis02-3201	223	40	presented	present	VERB
ajis02-3201	223	41	in	in	ADP
ajis02-3201	223	42	figure	figure	NOUN
ajis02-3201	223	43	6	6	NUM
ajis02-3201	223	44	.	.	PUNCT
ajis02-3201	224	1	furthermore	furthermore	ADV
ajis02-3201	224	2	,	,	PUNCT
ajis02-3201	224	3	the	the	DET
ajis02-3201	224	4	relationship	relationship	NOUN
ajis02-3201	224	5	was	be	AUX
ajis02-3201	224	6	positive	positive	ADJ
ajis02-3201	224	7	and	and	CCONJ
ajis02-3201	224	8	non	non	ADJ
ajis02-3201	224	9	-	-	NOUN
ajis02-3201	224	10	linear	linear	ADJ
ajis02-3201	224	11	for	for	ADP
ajis02-3201	224	12	all	all	DET
ajis02-3201	224	13	three	three	NUM
ajis02-3201	224	14	levels	level	NOUN
ajis02-3201	224	15	of	of	ADP
ajis02-3201	224	16	resistance	resistance	NOUN
ajis02-3201	224	17	/	/	SYM
ajis02-3201	224	18	nonadoption	nonadoption	NOUN
ajis02-3201	224	19	(	(	PUNCT
ajis02-3201	224	20	table	table	NOUN
ajis02-3201	224	21	2	2	NUM
ajis02-3201	224	22	and	and	CCONJ
ajis02-3201	224	23	figure	figure	VERB
ajis02-3201	224	24	7	7	NUM
ajis02-3201	224	25	)	)	PUNCT
ajis02-3201	224	26	,	,	PUNCT
ajis02-3201	224	27	which	which	PRON
ajis02-3201	224	28	indicates	indicate	VERB
ajis02-3201	224	29	that	that	SCONJ
ajis02-3201	224	30	consumers	consumer	NOUN
ajis02-3201	224	31	who	who	PRON
ajis02-3201	224	32	feel	feel	VERB
ajis02-3201	224	33	that	that	SCONJ
ajis02-3201	224	34	using	use	VERB
ajis02-3201	224	35	mpayments	mpayment	NOUN
ajis02-3201	224	36	for	for	ADP
ajis02-3201	224	37	sending	send	VERB
ajis02-3201	224	38	and	and	CCONJ
ajis02-3201	224	39	receiving	receive	VERB
ajis02-3201	224	40	payments	payment	NOUN
ajis02-3201	224	41	is	be	AUX
ajis02-3201	224	42	too	too	ADV
ajis02-3201	224	43	difficult	difficult	ADJ
ajis02-3201	224	44	and	and	CCONJ
ajis02-3201	224	45	complicated	complicated	ADJ
ajis02-3201	224	46	are	be	AUX
ajis02-3201	224	47	likely	likely	ADJ
ajis02-3201	224	48	to	to	PART
ajis02-3201	224	49	delay	delay	VERB
ajis02-3201	224	50	the	the	DET
ajis02-3201	224	51	use	use	NOUN
ajis02-3201	224	52	of	of	ADP
ajis02-3201	224	53	these	these	DET
ajis02-3201	224	54	methods	method	NOUN
ajis02-3201	224	55	.	.	PUNCT
ajis02-3201	225	1	similarly	similarly	ADV
ajis02-3201	225	2	,	,	PUNCT
ajis02-3201	225	3	if	if	SCONJ
ajis02-3201	225	4	the	the	DET
ajis02-3201	225	5	consumers	consumer	NOUN
ajis02-3201	225	6	feel	feel	VERB
ajis02-3201	225	7	that	that	SCONJ
ajis02-3201	225	8	m	m	NOUN
ajis02-3201	225	9	-	-	NOUN
ajis02-3201	225	10	payments	payment	NOUN
ajis02-3201	225	11	have	have	VERB
ajis02-3201	225	12	frequent	frequent	ADJ
ajis02-3201	225	13	instances	instance	NOUN
ajis02-3201	225	14	of	of	ADP
ajis02-3201	225	15	transaction	transaction	NOUN
ajis02-3201	225	16	failures	failure	NOUN
ajis02-3201	225	17	and	and	CCONJ
ajis02-3201	225	18	require	require	VERB
ajis02-3201	225	19	a	a	DET
ajis02-3201	225	20	lot	lot	NOUN
ajis02-3201	225	21	of	of	ADP
ajis02-3201	225	22	work	work	NOUN
ajis02-3201	225	23	,	,	PUNCT
ajis02-3201	225	24	such	such	ADJ
ajis02-3201	225	25	as	as	ADP
ajis02-3201	225	26	linking	link	VERB
ajis02-3201	225	27	a	a	DET
ajis02-3201	225	28	bank	bank	NOUN
ajis02-3201	225	29	account	account	NOUN
ajis02-3201	225	30	and	and	CCONJ
ajis02-3201	225	31	mobile	mobile	ADJ
ajis02-3201	225	32	number	number	NOUN
ajis02-3201	225	33	,	,	PUNCT
ajis02-3201	225	34	they	they	PRON
ajis02-3201	225	35	may	may	AUX
ajis02-3201	225	36	delay	delay	VERB
ajis02-3201	225	37	the	the	DET
ajis02-3201	225	38	use	use	NOUN
ajis02-3201	225	39	of	of	ADP
ajis02-3201	225	40	these	these	DET
ajis02-3201	225	41	methods	method	NOUN
ajis02-3201	225	42	.	.	PUNCT
ajis02-3201	226	1	image	image	NOUN
ajis02-3201	226	2	barrier	barrier	NOUN
ajis02-3201	226	3	had	have	VERB
ajis02-3201	226	4	a	a	DET
ajis02-3201	226	5	similar	similar	ADJ
ajis02-3201	226	6	effect	effect	NOUN
ajis02-3201	226	7	on	on	ADP
ajis02-3201	226	8	opposition	opposition	NOUN
ajis02-3201	226	9	intentions	intention	NOUN
ajis02-3201	226	10	,	,	PUNCT
ajis02-3201	226	11	indicating	indicate	VERB
ajis02-3201	226	12	that	that	SCONJ
ajis02-3201	226	13	non	non	NOUN
ajis02-3201	226	14	-	-	NOUN
ajis02-3201	226	15	users	user	NOUN
ajis02-3201	226	16	not	not	PART
ajis02-3201	226	17	only	only	ADV
ajis02-3201	226	18	think	think	VERB
ajis02-3201	226	19	that	that	SCONJ
ajis02-3201	226	20	m	m	NOUN
ajis02-3201	226	21	-	-	NOUN
ajis02-3201	226	22	payments	payment	NOUN
ajis02-3201	226	23	are	be	AUX
ajis02-3201	226	24	not	not	PART
ajis02-3201	226	25	useful	useful	ADJ
ajis02-3201	226	26	,	,	PUNCT
ajis02-3201	226	27	but	but	CCONJ
ajis02-3201	226	28	they	they	PRON
ajis02-3201	226	29	also	also	ADV
ajis02-3201	226	30	tell	tell	VERB
ajis02-3201	226	31	their	their	PRON
ajis02-3201	226	32	social	social	ADJ
ajis02-3201	226	33	circle	circle	NOUN
ajis02-3201	226	34	not	not	PART
ajis02-3201	226	35	to	to	PART
ajis02-3201	226	36	use	use	VERB
ajis02-3201	226	37	these	these	DET
ajis02-3201	226	38	methods	method	NOUN
ajis02-3201	226	39	for	for	ADP
ajis02-3201	226	40	sending	send	VERB
ajis02-3201	226	41	and	and	CCONJ
ajis02-3201	226	42	receiving	receive	VERB
ajis02-3201	226	43	payments	payment	NOUN
ajis02-3201	226	44	.	.	PUNCT
ajis02-3201	227	1	in	in	ADP
ajis02-3201	227	2	comparison	comparison	NOUN
ajis02-3201	227	3	,	,	PUNCT
ajis02-3201	227	4	the	the	DET
ajis02-3201	227	5	influence	influence	NOUN
ajis02-3201	227	6	of	of	ADP
ajis02-3201	227	7	the	the	DET
ajis02-3201	227	8	image	image	NOUN
ajis02-3201	227	9	barrier	barrier	NOUN
ajis02-3201	227	10	on	on	ADP
ajis02-3201	227	11	rejection	rejection	NOUN
ajis02-3201	227	12	was	be	AUX
ajis02-3201	227	13	quite	quite	ADV
ajis02-3201	227	14	low	low	ADJ
ajis02-3201	227	15	.	.	PUNCT
ajis02-3201	228	1	differences	difference	NOUN
ajis02-3201	228	2	among	among	ADP
ajis02-3201	228	3	three	three	NUM
ajis02-3201	228	4	levels	level	NOUN
ajis02-3201	228	5	of	of	ADP
ajis02-3201	228	6	resistance	resistance	NOUN
ajis02-3201	228	7	/	/	SYM
ajis02-3201	228	8	non	non	NOUN
ajis02-3201	228	9	-	-	NOUN
ajis02-3201	228	10	adoption	adoption	NOUN
ajis02-3201	228	11	:	:	PUNCT
ajis02-3201	228	12	as	as	SCONJ
ajis02-3201	228	13	anticipated	anticipate	VERB
ajis02-3201	228	14	,	,	PUNCT
ajis02-3201	228	15	the	the	DET
ajis02-3201	228	16	relative	relative	ADJ
ajis02-3201	228	17	influence	influence	NOUN
ajis02-3201	228	18	of	of	ADP
ajis02-3201	228	19	these	these	DET
ajis02-3201	228	20	five	five	NUM
ajis02-3201	228	21	barriers	barrier	NOUN
ajis02-3201	228	22	on	on	ADP
ajis02-3201	228	23	the	the	DET
ajis02-3201	228	24	three	three	NUM
ajis02-3201	228	25	levels	level	NOUN
ajis02-3201	228	26	of	of	ADP
ajis02-3201	228	27	resistance	resistance	NOUN
ajis02-3201	228	28	/	/	SYM
ajis02-3201	228	29	non	non	ADJ
ajis02-3201	228	30	-	-	ADJ
ajis02-3201	228	31	adoption	adoption	NOUN
ajis02-3201	228	32	varied	varied	ADJ
ajis02-3201	228	33	.	.	PUNCT
ajis02-3201	229	1	specifically	specifically	ADV
ajis02-3201	229	2	,	,	PUNCT
ajis02-3201	229	3	the	the	DET
ajis02-3201	229	4	image	image	NOUN
ajis02-3201	229	5	barrier	barrier	NOUN
ajis02-3201	229	6	was	be	AUX
ajis02-3201	229	7	the	the	DET
ajis02-3201	229	8	most	most	ADV
ajis02-3201	229	9	influential	influential	ADJ
ajis02-3201	229	10	barrier	barrier	NOUN
ajis02-3201	229	11	in	in	ADP
ajis02-3201	229	12	the	the	DET
ajis02-3201	229	13	case	case	NOUN
ajis02-3201	229	14	of	of	ADP
ajis02-3201	229	15	postponement	postponement	NOUN
ajis02-3201	229	16	,	,	PUNCT
ajis02-3201	229	17	while	while	SCONJ
ajis02-3201	229	18	the	the	DET
ajis02-3201	229	19	usage	usage	NOUN
ajis02-3201	229	20	barrier	barrier	NOUN
ajis02-3201	229	21	was	be	AUX
ajis02-3201	229	22	the	the	DET
ajis02-3201	229	23	most	most	ADV
ajis02-3201	229	24	influential	influential	ADJ
ajis02-3201	229	25	barrier	barrier	NOUN
ajis02-3201	229	26	for	for	ADP
ajis02-3201	229	27	opposition	opposition	NOUN
ajis02-3201	229	28	and	and	CCONJ
ajis02-3201	229	29	rejection	rejection	NOUN
ajis02-3201	229	30	.	.	PUNCT
ajis02-3201	230	1	the	the	DET
ajis02-3201	230	2	other	other	ADJ
ajis02-3201	230	3	barriers	barrier	NOUN
ajis02-3201	230	4	influencing	influence	VERB
ajis02-3201	230	5	postponement	postponement	NOUN
ajis02-3201	230	6	,	,	PUNCT
ajis02-3201	230	7	in	in	ADP
ajis02-3201	230	8	decreasing	decrease	VERB
ajis02-3201	230	9	order	order	NOUN
ajis02-3201	230	10	of	of	ADP
ajis02-3201	230	11	relative	relative	ADJ
ajis02-3201	230	12	importance	importance	NOUN
ajis02-3201	230	13	,	,	PUNCT
ajis02-3201	230	14	were	be	AUX
ajis02-3201	230	15	value	value	NOUN
ajis02-3201	230	16	,	,	PUNCT
ajis02-3201	230	17	usage	usage	NOUN
ajis02-3201	230	18	,	,	PUNCT
ajis02-3201	230	19	risk	risk	NOUN
ajis02-3201	230	20	,	,	PUNCT
ajis02-3201	230	21	and	and	CCONJ
ajis02-3201	230	22	australasian	australasian	ADJ
ajis02-3201	230	23	journal	journal	NOUN
ajis02-3201	230	24	of	of	ADP
ajis02-3201	230	25	information	information	NOUN
ajis02-3201	230	26	systems	system	NOUN
ajis02-3201	230	27	talwar	talwar	PROPN
ajis02-3201	230	28	et	et	PROPN
ajis02-3201	230	29	al	al	PROPN
ajis02-3201	230	30	.	.	PROPN
ajis02-3201	230	31	2021	2021	NUM
ajis02-3201	230	32	,	,	PUNCT
ajis02-3201	230	33	vol	vol	NOUN
ajis02-3201	230	34	25	25	NUM
ajis02-3201	230	35	,	,	PUNCT
ajis02-3201	230	36	research	research	NOUN
ajis02-3201	230	37	on	on	ADP
ajis02-3201	230	38	evaluation	evaluation	NOUN
ajis02-3201	230	39	a	a	DET
ajis02-3201	230	40	study	study	NOUN
ajis02-3201	230	41	of	of	ADP
ajis02-3201	230	42	mobile	mobile	ADJ
ajis02-3201	230	43	payment	payment	NOUN
ajis02-3201	230	44	innovations	innovation	NOUN
ajis02-3201	230	45	of	of	ADP
ajis02-3201	230	46	mobile	mobile	ADJ
ajis02-3201	230	47	applications	application	NOUN
ajis02-3201	230	48	17	17	NUM
ajis02-3201	230	49	tradition	tradition	NOUN
ajis02-3201	230	50	.	.	PUNCT
ajis02-3201	231	1	in	in	ADP
ajis02-3201	231	2	the	the	DET
ajis02-3201	231	3	case	case	NOUN
ajis02-3201	231	4	of	of	ADP
ajis02-3201	231	5	opposition	opposition	NOUN
ajis02-3201	231	6	,	,	PUNCT
ajis02-3201	231	7	the	the	DET
ajis02-3201	231	8	other	other	ADJ
ajis02-3201	231	9	influential	influential	ADJ
ajis02-3201	231	10	barriers	barrier	NOUN
ajis02-3201	231	11	were	be	AUX
ajis02-3201	231	12	,	,	PUNCT
ajis02-3201	231	13	from	from	ADP
ajis02-3201	231	14	most	most	ADJ
ajis02-3201	231	15	to	to	ADP
ajis02-3201	231	16	least	least	ADJ
ajis02-3201	231	17	important	important	ADJ
ajis02-3201	231	18	,	,	PUNCT
ajis02-3201	231	19	the	the	DET
ajis02-3201	231	20	image	image	NOUN
ajis02-3201	231	21	,	,	PUNCT
ajis02-3201	231	22	tradition	tradition	NOUN
ajis02-3201	231	23	,	,	PUNCT
ajis02-3201	231	24	value	value	NOUN
ajis02-3201	231	25	,	,	PUNCT
ajis02-3201	231	26	and	and	CCONJ
ajis02-3201	231	27	risk	risk	NOUN
ajis02-3201	231	28	barriers	barrier	NOUN
ajis02-3201	231	29	.	.	PUNCT
ajis02-3201	232	1	finally	finally	ADV
ajis02-3201	232	2	,	,	PUNCT
ajis02-3201	232	3	in	in	ADP
ajis02-3201	232	4	the	the	DET
ajis02-3201	232	5	case	case	NOUN
ajis02-3201	232	6	of	of	ADP
ajis02-3201	232	7	rejection	rejection	NOUN
ajis02-3201	232	8	,	,	PUNCT
ajis02-3201	232	9	the	the	DET
ajis02-3201	232	10	other	other	ADJ
ajis02-3201	232	11	influential	influential	ADJ
ajis02-3201	232	12	barriers	barrier	NOUN
ajis02-3201	232	13	,	,	PUNCT
ajis02-3201	232	14	again	again	ADV
ajis02-3201	232	15	in	in	ADP
ajis02-3201	232	16	decreasing	decrease	VERB
ajis02-3201	232	17	order	order	NOUN
ajis02-3201	232	18	of	of	ADP
ajis02-3201	232	19	importance	importance	NOUN
ajis02-3201	232	20	,	,	PUNCT
ajis02-3201	232	21	were	be	AUX
ajis02-3201	232	22	tradition	tradition	NOUN
ajis02-3201	232	23	,	,	PUNCT
ajis02-3201	232	24	value	value	NOUN
ajis02-3201	232	25	,	,	PUNCT
ajis02-3201	232	26	image	image	NOUN
ajis02-3201	232	27	,	,	PUNCT
ajis02-3201	232	28	and	and	CCONJ
ajis02-3201	232	29	risk	risk	NOUN
ajis02-3201	232	30	barriers	barrier	NOUN
ajis02-3201	232	31	.	.	PUNCT
ajis02-3201	233	1	7	7	NUM
ajis02-3201	233	2	conclusion	conclusion	NOUN
ajis02-3201	233	3	,	,	PUNCT
ajis02-3201	233	4	implications	implication	NOUN
ajis02-3201	233	5	,	,	PUNCT
ajis02-3201	233	6	limitations	limitation	NOUN
ajis02-3201	233	7	,	,	PUNCT
ajis02-3201	233	8	and	and	CCONJ
ajis02-3201	233	9	future	future	ADJ
ajis02-3201	233	10	research	research	NOUN
ajis02-3201	233	11	areas	area	VERB
ajis02-3201	233	12	the	the	DET
ajis02-3201	233	13	adoption	adoption	NOUN
ajis02-3201	233	14	/	/	SYM
ajis02-3201	233	15	non	non	NOUN
ajis02-3201	233	16	-	-	NOUN
ajis02-3201	233	17	adoption	adoption	NOUN
ajis02-3201	233	18	of	of	ADP
ajis02-3201	233	19	mobile	mobile	NOUN
ajis02-3201	233	20	-	-	PUNCT
ajis02-3201	233	21	based	base	VERB
ajis02-3201	233	22	payments	payment	NOUN
ajis02-3201	233	23	during	during	ADP
ajis02-3201	233	24	the	the	DET
ajis02-3201	233	25	pandemic	pandemic	NOUN
ajis02-3201	233	26	has	have	VERB
ajis02-3201	233	27	varied	varied	ADJ
ajis02-3201	233	28	nuances	nuance	NOUN
ajis02-3201	233	29	that	that	PRON
ajis02-3201	233	30	need	need	VERB
ajis02-3201	233	31	to	to	PART
ajis02-3201	233	32	be	be	AUX
ajis02-3201	233	33	understood	understand	VERB
ajis02-3201	233	34	by	by	ADP
ajis02-3201	233	35	the	the	DET
ajis02-3201	233	36	academic	academic	ADJ
ajis02-3201	233	37	researchers	researcher	NOUN
ajis02-3201	233	38	as	as	ADV
ajis02-3201	233	39	well	well	ADV
ajis02-3201	233	40	as	as	ADP
ajis02-3201	233	41	the	the	DET
ajis02-3201	233	42	service	service	NOUN
ajis02-3201	233	43	providers	provider	NOUN
ajis02-3201	233	44	.	.	PUNCT
ajis02-3201	234	1	since	since	SCONJ
ajis02-3201	234	2	the	the	DET
ajis02-3201	234	3	covid-19	covid-19	PROPN
ajis02-3201	234	4	pandemic	pandemic	NOUN
ajis02-3201	234	5	is	be	AUX
ajis02-3201	234	6	a	a	DET
ajis02-3201	234	7	temporary	temporary	ADJ
ajis02-3201	234	8	aberration	aberration	NOUN
ajis02-3201	234	9	that	that	PRON
ajis02-3201	234	10	is	be	AUX
ajis02-3201	234	11	expected	expect	VERB
ajis02-3201	234	12	to	to	PART
ajis02-3201	234	13	end	end	VERB
ajis02-3201	234	14	with	with	ADP
ajis02-3201	234	15	the	the	DET
ajis02-3201	234	16	coming	coming	NOUN
ajis02-3201	234	17	of	of	ADP
ajis02-3201	234	18	a	a	DET
ajis02-3201	234	19	vaccine	vaccine	NOUN
ajis02-3201	234	20	or	or	CCONJ
ajis02-3201	234	21	the	the	DET
ajis02-3201	234	22	success	success	NOUN
ajis02-3201	234	23	of	of	ADP
ajis02-3201	234	24	governments	government	NOUN
ajis02-3201	234	25	in	in	ADP
ajis02-3201	234	26	controlling	control	VERB
ajis02-3201	234	27	its	its	PRON
ajis02-3201	234	28	further	further	ADJ
ajis02-3201	234	29	spread	spread	NOUN
ajis02-3201	234	30	,	,	PUNCT
ajis02-3201	234	31	an	an	DET
ajis02-3201	234	32	investigation	investigation	NOUN
ajis02-3201	234	33	of	of	ADP
ajis02-3201	234	34	the	the	DET
ajis02-3201	234	35	depth	depth	NOUN
ajis02-3201	234	36	and	and	CCONJ
ajis02-3201	234	37	breadth	breadth	NOUN
ajis02-3201	234	38	of	of	ADP
ajis02-3201	234	39	mobile	mobile	ADJ
ajis02-3201	234	40	based	base	VERB
ajis02-3201	234	41	-	-	PUNCT
ajis02-3201	234	42	payment	payment	NOUN
ajis02-3201	234	43	non	non	ADJ
ajis02-3201	234	44	-	-	NOUN
ajis02-3201	234	45	adoption	adoption	ADJ
ajis02-3201	234	46	/	/	SYM
ajis02-3201	234	47	adoption	adoption	NOUN
ajis02-3201	234	48	behavior	behavior	NOUN
ajis02-3201	234	49	during	during	ADP
ajis02-3201	234	50	the	the	DET
ajis02-3201	234	51	pandemic	pandemic	NOUN
ajis02-3201	234	52	is	be	AUX
ajis02-3201	234	53	important	important	ADJ
ajis02-3201	234	54	for	for	ADP
ajis02-3201	234	55	generating	generate	VERB
ajis02-3201	234	56	consumer	consumer	NOUN
ajis02-3201	234	57	behavior	behavior	NOUN
ajis02-3201	234	58	insights	insight	NOUN
ajis02-3201	234	59	from	from	ADP
ajis02-3201	234	60	a	a	DET
ajis02-3201	234	61	long	long	ADJ
ajis02-3201	234	62	-	-	PUNCT
ajis02-3201	234	63	term	term	NOUN
ajis02-3201	234	64	perspective	perspective	NOUN
ajis02-3201	234	65	.	.	PUNCT
ajis02-3201	235	1	the	the	DET
ajis02-3201	235	2	present	present	ADJ
ajis02-3201	235	3	study	study	NOUN
ajis02-3201	235	4	thus	thus	ADV
ajis02-3201	235	5	attempted	attempt	VERB
ajis02-3201	235	6	to	to	PART
ajis02-3201	235	7	examine	examine	VERB
ajis02-3201	235	8	the	the	DET
ajis02-3201	235	9	effect	effect	NOUN
ajis02-3201	235	10	of	of	ADP
ajis02-3201	235	11	barriers	barrier	NOUN
ajis02-3201	235	12	toward	toward	ADP
ajis02-3201	235	13	these	these	DET
ajis02-3201	235	14	payment	payment	NOUN
ajis02-3201	235	15	methods	method	NOUN
ajis02-3201	235	16	on	on	ADP
ajis02-3201	235	17	varying	vary	VERB
ajis02-3201	235	18	levels	level	NOUN
ajis02-3201	235	19	of	of	ADP
ajis02-3201	235	20	resistance	resistance	NOUN
ajis02-3201	235	21	.	.	PUNCT
ajis02-3201	236	1	the	the	DET
ajis02-3201	236	2	study	study	NOUN
ajis02-3201	236	3	objectives	objective	NOUN
ajis02-3201	236	4	were	be	AUX
ajis02-3201	236	5	formally	formally	ADV
ajis02-3201	236	6	stated	state	VERB
ajis02-3201	236	7	through	through	ADP
ajis02-3201	236	8	two	two	NUM
ajis02-3201	236	9	research	research	NOUN
ajis02-3201	236	10	questions	question	NOUN
ajis02-3201	236	11	.	.	PUNCT
ajis02-3201	237	1	rq1	rq1	PROPN
ajis02-3201	237	2	proposed	propose	VERB
ajis02-3201	237	3	to	to	PART
ajis02-3201	237	4	examine	examine	VERB
ajis02-3201	237	5	the	the	DET
ajis02-3201	237	6	influence	influence	NOUN
ajis02-3201	237	7	of	of	ADP
ajis02-3201	237	8	usage	usage	NOUN
ajis02-3201	237	9	,	,	PUNCT
ajis02-3201	237	10	value	value	NOUN
ajis02-3201	237	11	,	,	PUNCT
ajis02-3201	237	12	risk	risk	NOUN
ajis02-3201	237	13	,	,	PUNCT
ajis02-3201	237	14	tradition	tradition	NOUN
ajis02-3201	237	15	,	,	PUNCT
ajis02-3201	237	16	and	and	CCONJ
ajis02-3201	237	17	image	image	NOUN
ajis02-3201	237	18	barriers	barrier	NOUN
ajis02-3201	237	19	toward	toward	ADP
ajis02-3201	237	20	the	the	DET
ajis02-3201	237	21	use	use	NOUN
ajis02-3201	237	22	of	of	ADP
ajis02-3201	237	23	m	m	NOUN
ajis02-3201	237	24	-	-	NOUN
ajis02-3201	237	25	payments	payment	NOUN
ajis02-3201	237	26	during	during	ADP
ajis02-3201	237	27	the	the	DET
ajis02-3201	237	28	pandemic	pandemic	NOUN
ajis02-3201	237	29	to	to	PART
ajis02-3201	237	30	assess	assess	VERB
ajis02-3201	237	31	the	the	DET
ajis02-3201	237	32	impact	impact	NOUN
ajis02-3201	237	33	of	of	ADP
ajis02-3201	237	34	varying	vary	VERB
ajis02-3201	237	35	levels	level	NOUN
ajis02-3201	237	36	of	of	ADP
ajis02-3201	237	37	resistance	resistance	NOUN
ajis02-3201	237	38	/	/	SYM
ajis02-3201	237	39	non	non	NOUN
ajis02-3201	237	40	-	-	NOUN
ajis02-3201	237	41	adoption	adoption	ADJ
ajis02-3201	237	42	,	,	PUNCT
ajis02-3201	237	43	i.e.	i.e.	X
ajis02-3201	237	44	,	,	PUNCT
ajis02-3201	237	45	postponement	postponement	NOUN
ajis02-3201	237	46	,	,	PUNCT
ajis02-3201	237	47	opposition	opposition	NOUN
ajis02-3201	237	48	,	,	PUNCT
ajis02-3201	237	49	and	and	CCONJ
ajis02-3201	237	50	rejection	rejection	NOUN
ajis02-3201	237	51	.	.	PUNCT
ajis02-3201	238	1	rq2	rq2	NOUN
ajis02-3201	238	2	sought	seek	VERB
ajis02-3201	238	3	to	to	PART
ajis02-3201	238	4	confirm	confirm	VERB
ajis02-3201	238	5	if	if	SCONJ
ajis02-3201	238	6	there	there	PRON
ajis02-3201	238	7	were	be	VERB
ajis02-3201	238	8	differences	difference	NOUN
ajis02-3201	238	9	between	between	ADP
ajis02-3201	238	10	the	the	DET
ajis02-3201	238	11	relative	relative	ADJ
ajis02-3201	238	12	influence	influence	NOUN
ajis02-3201	238	13	of	of	ADP
ajis02-3201	238	14	usage	usage	NOUN
ajis02-3201	238	15	,	,	PUNCT
ajis02-3201	238	16	value	value	NOUN
ajis02-3201	238	17	,	,	PUNCT
ajis02-3201	238	18	risk	risk	NOUN
ajis02-3201	238	19	,	,	PUNCT
ajis02-3201	238	20	tradition	tradition	NOUN
ajis02-3201	238	21	,	,	PUNCT
ajis02-3201	238	22	and	and	CCONJ
ajis02-3201	238	23	image	image	NOUN
ajis02-3201	238	24	barriers	barrier	NOUN
ajis02-3201	238	25	toward	toward	ADP
ajis02-3201	238	26	the	the	DET
ajis02-3201	238	27	use	use	NOUN
ajis02-3201	238	28	of	of	ADP
ajis02-3201	238	29	m	m	NOUN
ajis02-3201	238	30	-	-	NOUN
ajis02-3201	238	31	payments	payment	NOUN
ajis02-3201	238	32	during	during	ADP
ajis02-3201	238	33	the	the	DET
ajis02-3201	238	34	pandemic	pandemic	NOUN
ajis02-3201	238	35	on	on	ADP
ajis02-3201	238	36	the	the	DET
ajis02-3201	238	37	varying	vary	VERB
ajis02-3201	238	38	levels	level	NOUN
ajis02-3201	238	39	of	of	ADP
ajis02-3201	238	40	resistance	resistance	NOUN
ajis02-3201	238	41	/	/	SYM
ajis02-3201	238	42	non	non	NOUN
ajis02-3201	238	43	-	-	NOUN
ajis02-3201	238	44	adoption	adoption	ADJ
ajis02-3201	238	45	,	,	PUNCT
ajis02-3201	238	46	i.e.	i.e.	X
ajis02-3201	238	47	,	,	PUNCT
ajis02-3201	238	48	postponement	postponement	NOUN
ajis02-3201	238	49	,	,	PUNCT
ajis02-3201	238	50	opposition	opposition	NOUN
ajis02-3201	238	51	,	,	PUNCT
ajis02-3201	238	52	and	and	CCONJ
ajis02-3201	238	53	rejection	rejection	NOUN
ajis02-3201	238	54	.	.	PUNCT
ajis02-3201	239	1	we	we	PRON
ajis02-3201	239	2	proposed	propose	VERB
ajis02-3201	239	3	the	the	DET
ajis02-3201	239	4	conceptual	conceptual	ADJ
ajis02-3201	239	5	model	model	NOUN
ajis02-3201	239	6	to	to	PART
ajis02-3201	239	7	respond	respond	VERB
ajis02-3201	239	8	to	to	ADP
ajis02-3201	239	9	these	these	DET
ajis02-3201	239	10	research	research	NOUN
ajis02-3201	239	11	questions	question	NOUN
ajis02-3201	239	12	on	on	ADP
ajis02-3201	239	13	the	the	DET
ajis02-3201	239	14	basis	basis	NOUN
ajis02-3201	239	15	of	of	ADP
ajis02-3201	239	16	irt	irt	PROPN
ajis02-3201	239	17	(	(	PUNCT
ajis02-3201	239	18	ram	ram	PROPN
ajis02-3201	239	19	&	&	CCONJ
ajis02-3201	239	20	sheth	sheth	PROPN
ajis02-3201	239	21	,	,	PUNCT
ajis02-3201	239	22	1989	1989	NUM
ajis02-3201	239	23	)	)	PUNCT
ajis02-3201	239	24	and	and	CCONJ
ajis02-3201	239	25	analyzed	analyze	VERB
ajis02-3201	239	26	data	datum	NOUN
ajis02-3201	239	27	collected	collect	VERB
ajis02-3201	239	28	from	from	ADP
ajis02-3201	239	29	406	406	NUM
ajis02-3201	239	30	smartphone	smartphone	NOUN
ajis02-3201	239	31	users	user	NOUN
ajis02-3201	239	32	who	who	PRON
ajis02-3201	239	33	had	have	AUX
ajis02-3201	239	34	not	not	PART
ajis02-3201	239	35	yet	yet	ADV
ajis02-3201	239	36	adopted	adopt	VERB
ajis02-3201	239	37	m	m	ADJ
ajis02-3201	239	38	-	-	PUNCT
ajis02-3201	239	39	payment	payment	NOUN
ajis02-3201	239	40	methods	method	NOUN
ajis02-3201	239	41	using	use	VERB
ajis02-3201	239	42	ann	ann	PROPN
ajis02-3201	239	43	.	.	PUNCT
ajis02-3201	240	1	the	the	DET
ajis02-3201	240	2	results	result	NOUN
ajis02-3201	240	3	of	of	ADP
ajis02-3201	240	4	the	the	DET
ajis02-3201	240	5	study	study	NOUN
ajis02-3201	240	6	indicated	indicate	VERB
ajis02-3201	240	7	that	that	SCONJ
ajis02-3201	240	8	all	all	DET
ajis02-3201	240	9	five	five	NUM
ajis02-3201	240	10	barriers	barrier	NOUN
ajis02-3201	240	11	,	,	PUNCT
ajis02-3201	240	12	namely	namely	ADV
ajis02-3201	240	13	,	,	PUNCT
ajis02-3201	240	14	usage	usage	NOUN
ajis02-3201	240	15	,	,	PUNCT
ajis02-3201	240	16	value	value	NOUN
ajis02-3201	240	17	,	,	PUNCT
ajis02-3201	240	18	risk	risk	NOUN
ajis02-3201	240	19	,	,	PUNCT
ajis02-3201	240	20	tradition	tradition	NOUN
ajis02-3201	240	21	,	,	PUNCT
ajis02-3201	240	22	and	and	CCONJ
ajis02-3201	240	23	image	image	NOUN
ajis02-3201	240	24	,	,	PUNCT
ajis02-3201	240	25	impacted	impact	VERB
ajis02-3201	240	26	the	the	DET
ajis02-3201	240	27	varying	vary	VERB
ajis02-3201	240	28	levels	level	NOUN
ajis02-3201	240	29	of	of	ADP
ajis02-3201	240	30	resistance	resistance	NOUN
ajis02-3201	240	31	/	/	SYM
ajis02-3201	240	32	non	non	NOUN
ajis02-3201	240	33	-	-	NOUN
ajis02-3201	240	34	adoption	adoption	ADJ
ajis02-3201	240	35	,	,	PUNCT
ajis02-3201	240	36	i.e.	i.e.	X
ajis02-3201	240	37	,	,	PUNCT
ajis02-3201	240	38	postponement	postponement	NOUN
ajis02-3201	240	39	,	,	PUNCT
ajis02-3201	240	40	opposition	opposition	NOUN
ajis02-3201	240	41	,	,	PUNCT
ajis02-3201	240	42	and	and	CCONJ
ajis02-3201	240	43	rejection	rejection	NOUN
ajis02-3201	240	44	,	,	PUNCT
ajis02-3201	240	45	to	to	ADP
ajis02-3201	240	46	using	use	VERB
ajis02-3201	240	47	m	m	NOUN
ajis02-3201	240	48	-	-	NOUN
ajis02-3201	240	49	payments	payment	NOUN
ajis02-3201	240	50	during	during	ADP
ajis02-3201	240	51	the	the	DET
ajis02-3201	240	52	pandemic	pandemic	ADJ
ajis02-3201	240	53	.	.	PUNCT
ajis02-3201	241	1	evaluating	evaluate	VERB
ajis02-3201	241	2	the	the	DET
ajis02-3201	241	3	alternative	alternative	ADJ
ajis02-3201	241	4	ann	ann	PROPN
ajis02-3201	241	5	models	model	NOUN
ajis02-3201	241	6	further	far	ADV
ajis02-3201	241	7	confirmed	confirm	VERB
ajis02-3201	241	8	that	that	SCONJ
ajis02-3201	241	9	the	the	DET
ajis02-3201	241	10	barriers	barrier	NOUN
ajis02-3201	241	11	differed	differ	VERB
ajis02-3201	241	12	in	in	ADP
ajis02-3201	241	13	their	their	PRON
ajis02-3201	241	14	relative	relative	ADJ
ajis02-3201	241	15	influence	influence	NOUN
ajis02-3201	241	16	on	on	ADP
ajis02-3201	241	17	consumers	consumer	NOUN
ajis02-3201	241	18	'	'	PART
ajis02-3201	241	19	postponement	postponement	NOUN
ajis02-3201	241	20	,	,	PUNCT
ajis02-3201	241	21	opposition	opposition	NOUN
ajis02-3201	241	22	,	,	PUNCT
ajis02-3201	241	23	and	and	CCONJ
ajis02-3201	241	24	rejection	rejection	NOUN
ajis02-3201	241	25	of	of	ADP
ajis02-3201	241	26	such	such	ADJ
ajis02-3201	241	27	services	service	NOUN
ajis02-3201	241	28	.	.	PUNCT
ajis02-3201	242	1	specifically	specifically	ADV
ajis02-3201	242	2	,	,	PUNCT
ajis02-3201	242	3	the	the	DET
ajis02-3201	242	4	usage	usage	NOUN
ajis02-3201	242	5	barrier	barrier	NOUN
ajis02-3201	242	6	was	be	AUX
ajis02-3201	242	7	the	the	DET
ajis02-3201	242	8	most	most	ADV
ajis02-3201	242	9	important	important	ADJ
ajis02-3201	242	10	barrier	barrier	NOUN
ajis02-3201	242	11	for	for	ADP
ajis02-3201	242	12	opposition	opposition	NOUN
ajis02-3201	242	13	and	and	CCONJ
ajis02-3201	242	14	rejection	rejection	NOUN
ajis02-3201	242	15	intentions	intention	NOUN
ajis02-3201	242	16	,	,	PUNCT
ajis02-3201	242	17	whereas	whereas	SCONJ
ajis02-3201	242	18	the	the	DET
ajis02-3201	242	19	image	image	NOUN
ajis02-3201	242	20	barrier	barrier	NOUN
ajis02-3201	242	21	was	be	AUX
ajis02-3201	242	22	the	the	DET
ajis02-3201	242	23	most	most	ADV
ajis02-3201	242	24	influential	influential	ADJ
ajis02-3201	242	25	barrier	barrier	NOUN
ajis02-3201	242	26	for	for	ADP
ajis02-3201	242	27	postponement	postponement	NOUN
ajis02-3201	242	28	intentions	intention	NOUN
ajis02-3201	242	29	.	.	PUNCT
ajis02-3201	243	1	the	the	DET
ajis02-3201	243	2	other	other	ADJ
ajis02-3201	243	3	influential	influential	ADJ
ajis02-3201	243	4	barriers	barrier	NOUN
ajis02-3201	243	5	impacting	impact	VERB
ajis02-3201	243	6	postponement	postponement	NOUN
ajis02-3201	243	7	were	be	AUX
ajis02-3201	243	8	value	value	NOUN
ajis02-3201	243	9	,	,	PUNCT
ajis02-3201	243	10	usage	usage	NOUN
ajis02-3201	243	11	,	,	PUNCT
ajis02-3201	243	12	risk	risk	NOUN
ajis02-3201	243	13	,	,	PUNCT
ajis02-3201	243	14	and	and	CCONJ
ajis02-3201	243	15	tradition	tradition	NOUN
ajis02-3201	243	16	.	.	PUNCT
ajis02-3201	244	1	in	in	ADP
ajis02-3201	244	2	the	the	DET
ajis02-3201	244	3	case	case	NOUN
ajis02-3201	244	4	of	of	ADP
ajis02-3201	244	5	opposition	opposition	NOUN
ajis02-3201	244	6	,	,	PUNCT
ajis02-3201	244	7	the	the	DET
ajis02-3201	244	8	other	other	ADJ
ajis02-3201	244	9	influential	influential	ADJ
ajis02-3201	244	10	barriers	barrier	NOUN
ajis02-3201	244	11	were	be	AUX
ajis02-3201	244	12	image	image	NOUN
ajis02-3201	244	13	,	,	PUNCT
ajis02-3201	244	14	tradition	tradition	NOUN
ajis02-3201	244	15	,	,	PUNCT
ajis02-3201	244	16	value	value	NOUN
ajis02-3201	244	17	,	,	PUNCT
ajis02-3201	244	18	and	and	CCONJ
ajis02-3201	244	19	risk	risk	NOUN
ajis02-3201	244	20	.	.	PUNCT
ajis02-3201	245	1	finally	finally	ADV
ajis02-3201	245	2	,	,	PUNCT
ajis02-3201	245	3	in	in	ADP
ajis02-3201	245	4	the	the	DET
ajis02-3201	245	5	case	case	NOUN
ajis02-3201	245	6	of	of	ADP
ajis02-3201	245	7	rejection	rejection	NOUN
ajis02-3201	245	8	,	,	PUNCT
ajis02-3201	245	9	the	the	DET
ajis02-3201	245	10	other	other	ADJ
ajis02-3201	245	11	influential	influential	ADJ
ajis02-3201	245	12	barriers	barrier	NOUN
ajis02-3201	245	13	were	be	AUX
ajis02-3201	245	14	tradition	tradition	NOUN
ajis02-3201	245	15	,	,	PUNCT
ajis02-3201	245	16	value	value	NOUN
ajis02-3201	245	17	,	,	PUNCT
ajis02-3201	245	18	image	image	NOUN
ajis02-3201	245	19	,	,	PUNCT
ajis02-3201	245	20	and	and	CCONJ
ajis02-3201	245	21	risk	risk	NOUN
ajis02-3201	245	22	barriers	barrier	NOUN
ajis02-3201	245	23	.	.	PUNCT
ajis02-3201	246	1	the	the	DET
ajis02-3201	246	2	study	study	NOUN
ajis02-3201	246	3	has	have	VERB
ajis02-3201	246	4	several	several	ADJ
ajis02-3201	246	5	interesting	interesting	ADJ
ajis02-3201	246	6	implications	implication	NOUN
ajis02-3201	246	7	for	for	ADP
ajis02-3201	246	8	theory	theory	NOUN
ajis02-3201	246	9	and	and	CCONJ
ajis02-3201	246	10	practice	practice	NOUN
ajis02-3201	246	11	.	.	PUNCT
ajis02-3201	247	1	7.1	7.1	NUM
ajis02-3201	247	2	theoretical	theoretical	ADJ
ajis02-3201	247	3	implications	implication	NOUN
ajis02-3201	247	4	the	the	DET
ajis02-3201	247	5	study	study	NOUN
ajis02-3201	247	6	offers	offer	VERB
ajis02-3201	247	7	four	four	NUM
ajis02-3201	247	8	key	key	ADJ
ajis02-3201	247	9	theoretical	theoretical	ADJ
ajis02-3201	247	10	implications	implication	NOUN
ajis02-3201	247	11	.	.	PUNCT
ajis02-3201	248	1	first	first	ADV
ajis02-3201	248	2	,	,	PUNCT
ajis02-3201	248	3	it	it	PRON
ajis02-3201	248	4	contributes	contribute	VERB
ajis02-3201	248	5	to	to	ADP
ajis02-3201	248	6	an	an	DET
ajis02-3201	248	7	improved	improved	ADJ
ajis02-3201	248	8	understanding	understanding	NOUN
ajis02-3201	248	9	of	of	ADP
ajis02-3201	248	10	resistance	resistance	NOUN
ajis02-3201	248	11	and	and	CCONJ
ajis02-3201	248	12	non	non	NOUN
ajis02-3201	248	13	-	-	NOUN
ajis02-3201	248	14	adoption	adoption	NOUN
ajis02-3201	248	15	.	.	PUNCT
ajis02-3201	249	1	there	there	PRON
ajis02-3201	249	2	is	be	VERB
ajis02-3201	249	3	a	a	DET
ajis02-3201	249	4	conflict	conflict	NOUN
ajis02-3201	249	5	in	in	ADP
ajis02-3201	249	6	the	the	DET
ajis02-3201	249	7	existing	exist	VERB
ajis02-3201	249	8	literature	literature	NOUN
ajis02-3201	249	9	regarding	regard	VERB
ajis02-3201	249	10	whether	whether	SCONJ
ajis02-3201	249	11	the	the	DET
ajis02-3201	249	12	two	two	NUM
ajis02-3201	249	13	are	be	AUX
ajis02-3201	249	14	the	the	DET
ajis02-3201	249	15	same	same	ADJ
ajis02-3201	249	16	or	or	CCONJ
ajis02-3201	249	17	different	different	ADJ
ajis02-3201	249	18	(	(	PUNCT
ajis02-3201	249	19	cornescu	cornescu	NOUN
ajis02-3201	249	20	&	&	CCONJ
ajis02-3201	249	21	adam	adam	PROPN
ajis02-3201	249	22	,	,	PUNCT
ajis02-3201	249	23	2013	2013	NUM
ajis02-3201	249	24	;	;	PUNCT
ajis02-3201	249	25	chen	chen	PROPN
ajis02-3201	249	26	et	et	PROPN
ajis02-3201	249	27	al	al	PROPN
ajis02-3201	249	28	.	.	PROPN
ajis02-3201	249	29	,	,	PUNCT
ajis02-3201	249	30	2019	2019	NUM
ajis02-3201	249	31	;	;	PUNCT
ajis02-3201	249	32	patsiotis	patsiotis	PROPN
ajis02-3201	249	33	et	et	PROPN
ajis02-3201	249	34	al	al	PROPN
ajis02-3201	249	35	.	.	PROPN
ajis02-3201	249	36	,	,	PUNCT
ajis02-3201	249	37	2013	2013	NUM
ajis02-3201	249	38	)	)	PUNCT
ajis02-3201	249	39	.	.	PUNCT
ajis02-3201	250	1	this	this	DET
ajis02-3201	250	2	study	study	NOUN
ajis02-3201	250	3	presents	present	VERB
ajis02-3201	250	4	the	the	DET
ajis02-3201	250	5	opposing	opposing	ADJ
ajis02-3201	250	6	view	view	NOUN
ajis02-3201	250	7	and	and	CCONJ
ajis02-3201	250	8	attempts	attempt	VERB
ajis02-3201	250	9	to	to	PART
ajis02-3201	250	10	find	find	VERB
ajis02-3201	250	11	the	the	DET
ajis02-3201	250	12	sources	source	NOUN
ajis02-3201	250	13	of	of	ADP
ajis02-3201	250	14	similarity	similarity	NOUN
ajis02-3201	250	15	and	and	CCONJ
ajis02-3201	250	16	differences	difference	NOUN
ajis02-3201	250	17	in	in	ADP
ajis02-3201	250	18	these	these	DET
ajis02-3201	250	19	two	two	NUM
ajis02-3201	250	20	conceptualizations	conceptualization	NOUN
ajis02-3201	250	21	.	.	PUNCT
ajis02-3201	251	1	by	by	ADP
ajis02-3201	251	2	doing	do	VERB
ajis02-3201	251	3	so	so	ADV
ajis02-3201	251	4	,	,	PUNCT
ajis02-3201	251	5	the	the	DET
ajis02-3201	251	6	study	study	NOUN
ajis02-3201	251	7	sets	set	VERB
ajis02-3201	251	8	the	the	DET
ajis02-3201	251	9	groundwork	groundwork	NOUN
ajis02-3201	251	10	for	for	ADP
ajis02-3201	251	11	a	a	DET
ajis02-3201	251	12	more	more	ADV
ajis02-3201	251	13	nuanced	nuanced	ADJ
ajis02-3201	251	14	debate	debate	NOUN
ajis02-3201	251	15	centered	center	VERB
ajis02-3201	251	16	on	on	ADP
ajis02-3201	251	17	resistance	resistance	NOUN
ajis02-3201	251	18	versus	versus	ADP
ajis02-3201	251	19	non	non	ADJ
ajis02-3201	251	20	-	-	NOUN
ajis02-3201	251	21	adoption	adoption	NOUN
ajis02-3201	251	22	.	.	PUNCT
ajis02-3201	252	1	australasian	australasian	ADJ
ajis02-3201	252	2	journal	journal	NOUN
ajis02-3201	252	3	of	of	ADP
ajis02-3201	252	4	information	information	NOUN
ajis02-3201	252	5	systems	system	NOUN
ajis02-3201	252	6	talwar	talwar	PROPN
ajis02-3201	252	7	et	et	PROPN
ajis02-3201	252	8	al	al	PROPN
ajis02-3201	252	9	.	.	PROPN
ajis02-3201	252	10	2021	2021	NUM
ajis02-3201	252	11	,	,	PUNCT
ajis02-3201	252	12	vol	vol	NOUN
ajis02-3201	252	13	25	25	NUM
ajis02-3201	252	14	,	,	PUNCT
ajis02-3201	252	15	research	research	NOUN
ajis02-3201	252	16	on	on	ADP
ajis02-3201	252	17	evaluation	evaluation	NOUN
ajis02-3201	252	18	a	a	DET
ajis02-3201	252	19	study	study	NOUN
ajis02-3201	252	20	of	of	ADP
ajis02-3201	252	21	mobile	mobile	ADJ
ajis02-3201	252	22	payment	payment	NOUN
ajis02-3201	252	23	innovations	innovation	NOUN
ajis02-3201	252	24	of	of	ADP
ajis02-3201	252	25	mobile	mobile	ADJ
ajis02-3201	252	26	applications	application	NOUN
ajis02-3201	252	27	18	18	NUM
ajis02-3201	252	28	second	second	ADJ
ajis02-3201	252	29	,	,	PUNCT
ajis02-3201	252	30	the	the	DET
ajis02-3201	252	31	study	study	NOUN
ajis02-3201	252	32	provides	provide	VERB
ajis02-3201	252	33	empirical	empirical	ADJ
ajis02-3201	252	34	evidence	evidence	NOUN
ajis02-3201	252	35	that	that	PRON
ajis02-3201	252	36	enhances	enhance	VERB
ajis02-3201	252	37	the	the	DET
ajis02-3201	252	38	knowledge	knowledge	NOUN
ajis02-3201	252	39	of	of	ADP
ajis02-3201	252	40	consumer	consumer	NOUN
ajis02-3201	252	41	behaviour	behaviour	NOUN
ajis02-3201	252	42	toward	toward	ADP
ajis02-3201	252	43	m	m	NOUN
ajis02-3201	252	44	-	-	NOUN
ajis02-3201	252	45	payments	payment	NOUN
ajis02-3201	252	46	in	in	ADP
ajis02-3201	252	47	three	three	NUM
ajis02-3201	252	48	ways	way	NOUN
ajis02-3201	252	49	:	:	PUNCT
ajis02-3201	252	50	(	(	PUNCT
ajis02-3201	252	51	a	a	X
ajis02-3201	252	52	)	)	PUNCT
ajis02-3201	252	53	by	by	ADP
ajis02-3201	252	54	bringing	bring	VERB
ajis02-3201	252	55	forth	forth	ADP
ajis02-3201	252	56	the	the	DET
ajis02-3201	252	57	fact	fact	NOUN
ajis02-3201	252	58	that	that	SCONJ
ajis02-3201	252	59	resistant	resistant	ADJ
ajis02-3201	252	60	behaviors	behavior	NOUN
ajis02-3201	252	61	need	need	VERB
ajis02-3201	252	62	as	as	ADV
ajis02-3201	252	63	much	much	ADJ
ajis02-3201	252	64	focus	focus	NOUN
ajis02-3201	252	65	as	as	SCONJ
ajis02-3201	252	66	adoption	adoption	NOUN
ajis02-3201	252	67	behaviors	behavior	NOUN
ajis02-3201	252	68	to	to	PART
ajis02-3201	252	69	explain	explain	VERB
ajis02-3201	252	70	consumer	consumer	NOUN
ajis02-3201	252	71	response	response	NOUN
ajis02-3201	252	72	to	to	ADP
ajis02-3201	252	73	these	these	DET
ajis02-3201	252	74	payment	payment	NOUN
ajis02-3201	252	75	methods	method	NOUN
ajis02-3201	252	76	;	;	PUNCT
ajis02-3201	252	77	(	(	PUNCT
ajis02-3201	252	78	b	b	X
ajis02-3201	252	79	)	)	PUNCT
ajis02-3201	252	80	by	by	ADP
ajis02-3201	252	81	shifting	shift	VERB
ajis02-3201	252	82	focus	focus	VERB
ajis02-3201	252	83	to	to	ADP
ajis02-3201	252	84	a	a	DET
ajis02-3201	252	85	less	less	ADV
ajis02-3201	252	86	developed	developed	ADJ
ajis02-3201	252	87	but	but	CCONJ
ajis02-3201	252	88	more	more	ADV
ajis02-3201	252	89	realistic	realistic	ADJ
ajis02-3201	252	90	idea	idea	NOUN
ajis02-3201	252	91	that	that	SCONJ
ajis02-3201	252	92	consumer	consumer	NOUN
ajis02-3201	252	93	resistance	resistance	NOUN
ajis02-3201	252	94	should	should	AUX
ajis02-3201	252	95	not	not	PART
ajis02-3201	252	96	be	be	AUX
ajis02-3201	252	97	looked	look	VERB
ajis02-3201	252	98	at	at	ADP
ajis02-3201	252	99	in	in	ADP
ajis02-3201	252	100	an	an	DET
ajis02-3201	252	101	aggregate	aggregate	ADJ
ajis02-3201	252	102	manner	manner	NOUN
ajis02-3201	252	103	alone	alone	ADV
ajis02-3201	252	104	but	but	CCONJ
ajis02-3201	252	105	by	by	ADP
ajis02-3201	252	106	dividing	divide	VERB
ajis02-3201	252	107	it	it	PRON
ajis02-3201	252	108	into	into	ADP
ajis02-3201	252	109	varying	vary	VERB
ajis02-3201	252	110	levels	level	NOUN
ajis02-3201	252	111	of	of	ADP
ajis02-3201	252	112	resistance	resistance	NOUN
ajis02-3201	252	113	,	,	PUNCT
ajis02-3201	252	114	as	as	SCONJ
ajis02-3201	252	115	argued	argue	VERB
ajis02-3201	252	116	by	by	ADP
ajis02-3201	252	117	recent	recent	ADJ
ajis02-3201	252	118	studies	study	NOUN
ajis02-3201	252	119	in	in	ADP
ajis02-3201	252	120	varying	vary	VERB
ajis02-3201	252	121	contexts	context	NOUN
ajis02-3201	252	122	(	(	PUNCT
ajis02-3201	252	123	e.g.	e.g.	ADV
ajis02-3201	252	124	,	,	PUNCT
ajis02-3201	252	125	chen	chen	PROPN
ajis02-3201	252	126	et	et	PROPN
ajis02-3201	252	127	al	al	PROPN
ajis02-3201	252	128	.	.	PROPN
ajis02-3201	252	129	,	,	PUNCT
ajis02-3201	252	130	2019	2019	NUM
ajis02-3201	252	131	;	;	PUNCT
ajis02-3201	252	132	park	park	NOUN
ajis02-3201	252	133	&	&	CCONJ
ajis02-3201	252	134	koh	koh	PROPN
ajis02-3201	252	135	,	,	PUNCT
ajis02-3201	252	136	2017	2017	NUM
ajis02-3201	252	137	)	)	PUNCT
ajis02-3201	252	138	;	;	PUNCT
ajis02-3201	252	139	and	and	CCONJ
ajis02-3201	252	140	(	(	PUNCT
ajis02-3201	252	141	c	c	NOUN
ajis02-3201	252	142	)	)	PUNCT
ajis02-3201	252	143	by	by	ADP
ajis02-3201	252	144	underscoring	underscore	VERB
ajis02-3201	252	145	the	the	DET
ajis02-3201	252	146	fact	fact	NOUN
ajis02-3201	252	147	that	that	SCONJ
ajis02-3201	252	148	classic	classic	ADJ
ajis02-3201	252	149	irt	irt	PROPN
ajis02-3201	252	150	(	(	PUNCT
ajis02-3201	252	151	ram	ram	PROPN
ajis02-3201	252	152	&	&	CCONJ
ajis02-3201	252	153	sheth	sheth	PROPN
ajis02-3201	252	154	,	,	PUNCT
ajis02-3201	252	155	1989	1989	NUM
ajis02-3201	252	156	)	)	PUNCT
ajis02-3201	252	157	barriers	barrier	NOUN
ajis02-3201	252	158	(	(	PUNCT
ajis02-3201	252	159	usage	usage	NOUN
ajis02-3201	252	160	,	,	PUNCT
ajis02-3201	252	161	value	value	NOUN
ajis02-3201	252	162	,	,	PUNCT
ajis02-3201	252	163	risk	risk	NOUN
ajis02-3201	252	164	,	,	PUNCT
ajis02-3201	252	165	tradition	tradition	NOUN
ajis02-3201	252	166	,	,	PUNCT
ajis02-3201	252	167	and	and	CCONJ
ajis02-3201	252	168	image	image	NOUN
ajis02-3201	252	169	)	)	PUNCT
ajis02-3201	252	170	are	be	AUX
ajis02-3201	252	171	useful	useful	ADJ
ajis02-3201	252	172	in	in	ADP
ajis02-3201	252	173	explaining	explain	VERB
ajis02-3201	252	174	the	the	DET
ajis02-3201	252	175	varying	vary	VERB
ajis02-3201	252	176	levels	level	NOUN
ajis02-3201	252	177	of	of	ADP
ajis02-3201	252	178	resistance	resistance	NOUN
ajis02-3201	252	179	/	/	SYM
ajis02-3201	252	180	non	non	NOUN
ajis02-3201	252	181	-	-	NOUN
ajis02-3201	252	182	adoption	adoption	NOUN
ajis02-3201	252	183	of	of	ADP
ajis02-3201	252	184	m	m	NOUN
ajis02-3201	252	185	-	-	NOUN
ajis02-3201	252	186	payments	payment	NOUN
ajis02-3201	252	187	and	and	CCONJ
ajis02-3201	252	188	that	that	SCONJ
ajis02-3201	252	189	,	,	PUNCT
ajis02-3201	252	190	furthermore	furthermore	ADV
ajis02-3201	252	191	,	,	PUNCT
ajis02-3201	252	192	the	the	DET
ajis02-3201	252	193	relative	relative	ADJ
ajis02-3201	252	194	influence	influence	NOUN
ajis02-3201	252	195	of	of	ADP
ajis02-3201	252	196	each	each	DET
ajis02-3201	252	197	barrier	barrier	NOUN
ajis02-3201	252	198	on	on	ADP
ajis02-3201	252	199	postponement	postponement	NOUN
ajis02-3201	252	200	,	,	PUNCT
ajis02-3201	252	201	opposition	opposition	NOUN
ajis02-3201	252	202	,	,	PUNCT
ajis02-3201	252	203	and	and	CCONJ
ajis02-3201	252	204	rejection	rejection	NOUN
ajis02-3201	252	205	is	be	AUX
ajis02-3201	252	206	different	different	ADJ
ajis02-3201	252	207	.	.	PUNCT
ajis02-3201	253	1	third	third	ADV
ajis02-3201	253	2	,	,	PUNCT
ajis02-3201	253	3	the	the	DET
ajis02-3201	253	4	study	study	NOUN
ajis02-3201	253	5	adds	add	VERB
ajis02-3201	253	6	a	a	DET
ajis02-3201	253	7	new	new	ADJ
ajis02-3201	253	8	perspective	perspective	NOUN
ajis02-3201	253	9	to	to	ADP
ajis02-3201	253	10	the	the	DET
ajis02-3201	253	11	growing	grow	VERB
ajis02-3201	253	12	irt	irt	PROPN
ajis02-3201	253	13	literature	literature	NOUN
ajis02-3201	253	14	by	by	ADP
ajis02-3201	253	15	extending	extend	VERB
ajis02-3201	253	16	it	it	PRON
ajis02-3201	253	17	to	to	PART
ajis02-3201	253	18	examine	examine	VERB
ajis02-3201	253	19	consumer	consumer	NOUN
ajis02-3201	253	20	behavior	behavior	NOUN
ajis02-3201	253	21	in	in	ADP
ajis02-3201	253	22	an	an	DET
ajis02-3201	253	23	unprecedented	unprecedented	ADJ
ajis02-3201	253	24	health	health	NOUN
ajis02-3201	253	25	crisis	crisis	NOUN
ajis02-3201	253	26	like	like	ADP
ajis02-3201	253	27	the	the	DET
ajis02-3201	253	28	covid-19	covid-19	PROPN
ajis02-3201	253	29	pandemic	pandemic	NOUN
ajis02-3201	253	30	.	.	PUNCT
ajis02-3201	254	1	since	since	SCONJ
ajis02-3201	254	2	the	the	DET
ajis02-3201	254	3	governmental	governmental	ADJ
ajis02-3201	254	4	pandemic	pandemic	ADJ
ajis02-3201	254	5	control	control	NOUN
ajis02-3201	254	6	measures	measure	NOUN
ajis02-3201	254	7	,	,	PUNCT
ajis02-3201	254	8	such	such	ADJ
ajis02-3201	254	9	as	as	ADP
ajis02-3201	254	10	complete	complete	ADJ
ajis02-3201	254	11	domestic	domestic	ADJ
ajis02-3201	254	12	shutdown	shutdown	NOUN
ajis02-3201	254	13	and	and	CCONJ
ajis02-3201	254	14	social	social	ADJ
ajis02-3201	254	15	distancing	distancing	NOUN
ajis02-3201	254	16	(	(	PUNCT
ajis02-3201	254	17	fang	fang	X
ajis02-3201	254	18	et	et	PROPN
ajis02-3201	254	19	al	al	PROPN
ajis02-3201	254	20	.	.	PROPN
ajis02-3201	254	21	,	,	PUNCT
ajis02-3201	254	22	2020	2020	NUM
ajis02-3201	254	23	)	)	PUNCT
ajis02-3201	254	24	,	,	PUNCT
ajis02-3201	254	25	have	have	AUX
ajis02-3201	254	26	severely	severely	ADV
ajis02-3201	254	27	impacted	impact	VERB
ajis02-3201	254	28	the	the	DET
ajis02-3201	254	29	psychological	psychological	ADJ
ajis02-3201	254	30	processes	process	NOUN
ajis02-3201	254	31	of	of	ADP
ajis02-3201	254	32	consumers	consumer	NOUN
ajis02-3201	254	33	,	,	PUNCT
ajis02-3201	254	34	utilizing	utilize	VERB
ajis02-3201	254	35	irt	irt	PROPN
ajis02-3201	254	36	to	to	PART
ajis02-3201	254	37	examine	examine	VERB
ajis02-3201	254	38	consumer	consumer	NOUN
ajis02-3201	254	39	resistance	resistance	NOUN
ajis02-3201	254	40	in	in	ADP
ajis02-3201	254	41	this	this	DET
ajis02-3201	254	42	context	context	NOUN
ajis02-3201	254	43	can	can	AUX
ajis02-3201	254	44	stimulate	stimulate	VERB
ajis02-3201	254	45	the	the	DET
ajis02-3201	254	46	examination	examination	NOUN
ajis02-3201	254	47	of	of	ADP
ajis02-3201	254	48	consumers	consumer	NOUN
ajis02-3201	254	49	'	'	PART
ajis02-3201	254	50	general	general	ADJ
ajis02-3201	254	51	resistant	resistant	ADJ
ajis02-3201	254	52	behavior	behavior	NOUN
ajis02-3201	254	53	during	during	ADP
ajis02-3201	254	54	the	the	DET
ajis02-3201	254	55	pandemic	pandemic	NOUN
ajis02-3201	254	56	.	.	PUNCT
ajis02-3201	255	1	finally	finally	ADV
ajis02-3201	255	2	,	,	PUNCT
ajis02-3201	255	3	this	this	PRON
ajis02-3201	255	4	is	be	AUX
ajis02-3201	255	5	the	the	DET
ajis02-3201	255	6	first	first	ADJ
ajis02-3201	255	7	empirical	empirical	ADJ
ajis02-3201	255	8	study	study	NOUN
ajis02-3201	255	9	to	to	PART
ajis02-3201	255	10	apply	apply	VERB
ajis02-3201	255	11	an	an	DET
ajis02-3201	255	12	artificial	artificial	ADJ
ajis02-3201	255	13	neural	neural	ADJ
ajis02-3201	255	14	network	network	NOUN
ajis02-3201	255	15	(	(	PUNCT
ajis02-3201	255	16	ann	ann	PROPN
ajis02-3201	255	17	)	)	PUNCT
ajis02-3201	255	18	approach	approach	NOUN
ajis02-3201	255	19	to	to	PART
ajis02-3201	255	20	evaluate	evaluate	VERB
ajis02-3201	255	21	the	the	DET
ajis02-3201	255	22	influence	influence	NOUN
ajis02-3201	255	23	of	of	ADP
ajis02-3201	255	24	irt	irt	PROPN
ajis02-3201	255	25	barriers	barrier	NOUN
ajis02-3201	255	26	on	on	ADP
ajis02-3201	255	27	varying	vary	VERB
ajis02-3201	255	28	levels	level	NOUN
ajis02-3201	255	29	of	of	ADP
ajis02-3201	255	30	resistance	resistance	NOUN
ajis02-3201	255	31	/	/	SYM
ajis02-3201	255	32	non	non	NOUN
ajis02-3201	255	33	-	-	NOUN
ajis02-3201	255	34	adoption	adoption	NOUN
ajis02-3201	255	35	.	.	PUNCT
ajis02-3201	256	1	ann	ann	PROPN
ajis02-3201	256	2	is	be	AUX
ajis02-3201	256	3	a	a	DET
ajis02-3201	256	4	sophisticated	sophisticated	ADJ
ajis02-3201	256	5	data	datum	NOUN
ajis02-3201	256	6	analysis	analysis	NOUN
ajis02-3201	256	7	approach	approach	NOUN
ajis02-3201	256	8	that	that	PRON
ajis02-3201	256	9	is	be	AUX
ajis02-3201	256	10	not	not	PART
ajis02-3201	256	11	restricted	restrict	VERB
ajis02-3201	256	12	by	by	ADP
ajis02-3201	256	13	the	the	DET
ajis02-3201	256	14	various	various	ADJ
ajis02-3201	256	15	multivariate	multivariate	NOUN
ajis02-3201	256	16	assumptions	assumption	NOUN
ajis02-3201	256	17	of	of	ADP
ajis02-3201	256	18	normality	normality	NOUN
ajis02-3201	256	19	,	,	PUNCT
ajis02-3201	256	20	multicollinearity	multicollinearity	NOUN
ajis02-3201	256	21	,	,	PUNCT
ajis02-3201	256	22	homoscedasticity	homoscedasticity	NOUN
ajis02-3201	256	23	,	,	PUNCT
ajis02-3201	256	24	and	and	CCONJ
ajis02-3201	256	25	linearity	linearity	NOUN
ajis02-3201	256	26	.	.	PUNCT
ajis02-3201	257	1	in	in	ADP
ajis02-3201	257	2	fact	fact	NOUN
ajis02-3201	257	3	,	,	PUNCT
ajis02-3201	257	4	it	it	PRON
ajis02-3201	257	5	allows	allow	VERB
ajis02-3201	257	6	the	the	DET
ajis02-3201	257	7	examination	examination	NOUN
ajis02-3201	257	8	of	of	ADP
ajis02-3201	257	9	both	both	CCONJ
ajis02-3201	257	10	linear	linear	ADJ
ajis02-3201	257	11	and	and	CCONJ
ajis02-3201	257	12	non	non	ADJ
ajis02-3201	257	13	-	-	ADJ
ajis02-3201	257	14	linear	linear	ADJ
ajis02-3201	257	15	relationships	relationship	NOUN
ajis02-3201	257	16	among	among	ADP
ajis02-3201	257	17	the	the	DET
ajis02-3201	257	18	independent	independent	ADJ
ajis02-3201	257	19	and	and	CCONJ
ajis02-3201	257	20	dependent	dependent	ADJ
ajis02-3201	257	21	variables	variable	NOUN
ajis02-3201	257	22	(	(	PUNCT
ajis02-3201	257	23	talwar	talwar	PROPN
ajis02-3201	257	24	et	et	PROPN
ajis02-3201	257	25	al	al	PROPN
ajis02-3201	257	26	.	.	PROPN
ajis02-3201	257	27	,	,	PUNCT
ajis02-3201	257	28	2020f	2020f	NUM
ajis02-3201	257	29	)	)	PUNCT
ajis02-3201	257	30	.	.	PUNCT
ajis02-3201	258	1	moreover	moreover	ADV
ajis02-3201	258	2	,	,	PUNCT
ajis02-3201	258	3	it	it	PRON
ajis02-3201	258	4	presents	present	VERB
ajis02-3201	258	5	a	a	DET
ajis02-3201	258	6	clear	clear	ADJ
ajis02-3201	258	7	view	view	NOUN
ajis02-3201	258	8	of	of	ADP
ajis02-3201	258	9	the	the	DET
ajis02-3201	258	10	relative	relative	ADJ
ajis02-3201	258	11	influence	influence	NOUN
ajis02-3201	258	12	of	of	ADP
ajis02-3201	258	13	the	the	DET
ajis02-3201	258	14	independent	independent	ADJ
ajis02-3201	258	15	variables	variable	NOUN
ajis02-3201	258	16	on	on	ADP
ajis02-3201	258	17	the	the	DET
ajis02-3201	258	18	dependent	dependent	ADJ
ajis02-3201	258	19	variables	variable	NOUN
ajis02-3201	258	20	.	.	PUNCT
ajis02-3201	259	1	this	this	PRON
ajis02-3201	259	2	helps	help	VERB
ajis02-3201	259	3	generate	generate	VERB
ajis02-3201	259	4	more	more	ADV
ajis02-3201	259	5	robust	robust	ADJ
ajis02-3201	259	6	and	and	CCONJ
ajis02-3201	259	7	insightful	insightful	ADJ
ajis02-3201	259	8	inferences	inference	NOUN
ajis02-3201	259	9	.	.	PUNCT
ajis02-3201	260	1	thus	thus	ADV
ajis02-3201	260	2	,	,	PUNCT
ajis02-3201	260	3	our	our	PRON
ajis02-3201	260	4	study	study	NOUN
ajis02-3201	260	5	contributes	contribute	VERB
ajis02-3201	260	6	novelly	novelly	ADV
ajis02-3201	260	7	to	to	ADP
ajis02-3201	260	8	the	the	DET
ajis02-3201	260	9	methodological	methodological	ADJ
ajis02-3201	260	10	advancement	advancement	NOUN
ajis02-3201	260	11	of	of	ADP
ajis02-3201	260	12	research	research	NOUN
ajis02-3201	260	13	on	on	ADP
ajis02-3201	260	14	consumer	consumer	NOUN
ajis02-3201	260	15	resistance	resistance	NOUN
ajis02-3201	260	16	to	to	ADP
ajis02-3201	260	17	m	m	NOUN
ajis02-3201	260	18	-	-	NOUN
ajis02-3201	260	19	payments	payment	NOUN
ajis02-3201	260	20	.	.	PUNCT
ajis02-3201	261	1	7.2	7.2	NUM
ajis02-3201	261	2	practical	practical	ADJ
ajis02-3201	261	3	implications	implication	NOUN
ajis02-3201	261	4	the	the	DET
ajis02-3201	261	5	study	study	NOUN
ajis02-3201	261	6	offers	offer	VERB
ajis02-3201	261	7	four	four	NUM
ajis02-3201	261	8	main	main	ADJ
ajis02-3201	261	9	implications	implication	NOUN
ajis02-3201	261	10	for	for	ADP
ajis02-3201	261	11	practice	practice	NOUN
ajis02-3201	261	12	.	.	PUNCT
ajis02-3201	262	1	first	first	ADV
ajis02-3201	262	2	,	,	PUNCT
ajis02-3201	262	3	it	it	PRON
ajis02-3201	262	4	advances	advance	VERB
ajis02-3201	262	5	the	the	DET
ajis02-3201	262	6	idea	idea	NOUN
ajis02-3201	262	7	that	that	SCONJ
ajis02-3201	262	8	approaching	approach	VERB
ajis02-3201	262	9	the	the	DET
ajis02-3201	262	10	non	non	NOUN
ajis02-3201	262	11	-	-	NOUN
ajis02-3201	262	12	adoption	adoption	NOUN
ajis02-3201	262	13	of	of	ADP
ajis02-3201	262	14	m	m	NOUN
ajis02-3201	262	15	-	-	NOUN
ajis02-3201	262	16	payments	payment	NOUN
ajis02-3201	262	17	in	in	ADP
ajis02-3201	262	18	an	an	DET
ajis02-3201	262	19	aggregate	aggregate	ADJ
ajis02-3201	262	20	manner	manner	NOUN
ajis02-3201	262	21	might	might	AUX
ajis02-3201	262	22	not	not	PART
ajis02-3201	262	23	be	be	AUX
ajis02-3201	262	24	helpful	helpful	ADJ
ajis02-3201	262	25	to	to	ADP
ajis02-3201	262	26	service	service	NOUN
ajis02-3201	262	27	providers	provider	NOUN
ajis02-3201	262	28	since	since	SCONJ
ajis02-3201	262	29	their	their	PRON
ajis02-3201	262	30	strategies	strategy	NOUN
ajis02-3201	262	31	are	be	AUX
ajis02-3201	262	32	likely	likely	ADJ
ajis02-3201	262	33	to	to	PART
ajis02-3201	262	34	be	be	AUX
ajis02-3201	262	35	more	more	ADV
ajis02-3201	262	36	generic	generic	ADJ
ajis02-3201	262	37	.	.	PUNCT
ajis02-3201	263	1	an	an	DET
ajis02-3201	263	2	understanding	understanding	NOUN
ajis02-3201	263	3	of	of	ADP
ajis02-3201	263	4	the	the	DET
ajis02-3201	263	5	varying	vary	VERB
ajis02-3201	263	6	levels	level	NOUN
ajis02-3201	263	7	of	of	ADP
ajis02-3201	263	8	consumer	consumer	NOUN
ajis02-3201	263	9	resistance	resistance	NOUN
ajis02-3201	263	10	in	in	ADP
ajis02-3201	263	11	terms	term	NOUN
ajis02-3201	263	12	of	of	ADP
ajis02-3201	263	13	postponement	postponement	NOUN
ajis02-3201	263	14	,	,	PUNCT
ajis02-3201	263	15	opposition	opposition	NOUN
ajis02-3201	263	16	,	,	PUNCT
ajis02-3201	263	17	and	and	CCONJ
ajis02-3201	263	18	rejection	rejection	NOUN
ajis02-3201	263	19	is	be	AUX
ajis02-3201	263	20	extremely	extremely	ADV
ajis02-3201	263	21	important	important	ADJ
ajis02-3201	263	22	because	because	SCONJ
ajis02-3201	263	23	it	it	PRON
ajis02-3201	263	24	can	can	AUX
ajis02-3201	263	25	assist	assist	VERB
ajis02-3201	263	26	service	service	NOUN
ajis02-3201	263	27	providers	provider	NOUN
ajis02-3201	263	28	in	in	ADP
ajis02-3201	263	29	developing	develop	VERB
ajis02-3201	263	30	counterstrategies	counterstrategie	NOUN
ajis02-3201	263	31	and	and	CCONJ
ajis02-3201	263	32	timely	timely	ADJ
ajis02-3201	263	33	interventions	intervention	NOUN
ajis02-3201	263	34	.	.	PUNCT
ajis02-3201	264	1	the	the	DET
ajis02-3201	264	2	finding	finding	NOUN
ajis02-3201	264	3	that	that	SCONJ
ajis02-3201	264	4	the	the	DET
ajis02-3201	264	5	influence	influence	NOUN
ajis02-3201	264	6	of	of	ADP
ajis02-3201	264	7	the	the	DET
ajis02-3201	264	8	five	five	NUM
ajis02-3201	264	9	classic	classic	ADJ
ajis02-3201	264	10	irt	irt	PROPN
ajis02-3201	264	11	barriers	barrier	NOUN
ajis02-3201	264	12	varies	vary	VERB
ajis02-3201	264	13	for	for	ADP
ajis02-3201	264	14	different	different	ADJ
ajis02-3201	264	15	levels	level	NOUN
ajis02-3201	264	16	of	of	ADP
ajis02-3201	264	17	resistance	resistance	NOUN
ajis02-3201	264	18	indicates	indicate	VERB
ajis02-3201	264	19	that	that	SCONJ
ajis02-3201	264	20	managers	manager	NOUN
ajis02-3201	264	21	should	should	AUX
ajis02-3201	264	22	try	try	VERB
ajis02-3201	264	23	to	to	PART
ajis02-3201	264	24	understand	understand	VERB
ajis02-3201	264	25	the	the	DET
ajis02-3201	264	26	extent	extent	NOUN
ajis02-3201	264	27	of	of	ADP
ajis02-3201	264	28	consumer	consumer	NOUN
ajis02-3201	264	29	resistance	resistance	NOUN
ajis02-3201	264	30	and	and	CCONJ
ajis02-3201	264	31	use	use	VERB
ajis02-3201	264	32	tailor	tailor	NOUN
ajis02-3201	264	33	-	-	PUNCT
ajis02-3201	264	34	made	make	VERB
ajis02-3201	264	35	interventions	intervention	NOUN
ajis02-3201	264	36	for	for	ADP
ajis02-3201	264	37	each	each	DET
ajis02-3201	264	38	class	class	NOUN
ajis02-3201	264	39	of	of	ADP
ajis02-3201	264	40	resistors	resistor	NOUN
ajis02-3201	264	41	,	,	PUNCT
ajis02-3201	264	42	as	as	SCONJ
ajis02-3201	264	43	supported	support	VERB
ajis02-3201	264	44	by	by	ADP
ajis02-3201	264	45	scholars	scholar	NOUN
ajis02-3201	264	46	(	(	PUNCT
ajis02-3201	264	47	e.g.	e.g.	ADV
ajis02-3201	264	48	,	,	PUNCT
ajis02-3201	264	49	talwar	talwar	PROPN
ajis02-3201	264	50	et	et	PROPN
ajis02-3201	264	51	al	al	PROPN
ajis02-3201	264	52	.	.	PROPN
ajis02-3201	264	53	,	,	PUNCT
ajis02-3201	264	54	2020a	2020a	NUM
ajis02-3201	264	55	)	)	PUNCT
ajis02-3201	264	56	.	.	PUNCT
ajis02-3201	265	1	for	for	ADP
ajis02-3201	265	2	example	example	NOUN
ajis02-3201	265	3	,	,	PUNCT
ajis02-3201	265	4	a	a	DET
ajis02-3201	265	5	'	'	PUNCT
ajis02-3201	265	6	call	call	NOUN
ajis02-3201	265	7	to	to	ADP
ajis02-3201	265	8	action	action	NOUN
ajis02-3201	265	9	'	'	PUNCT
ajis02-3201	265	10	type	type	NOUN
ajis02-3201	265	11	of	of	ADP
ajis02-3201	265	12	communication	communication	NOUN
ajis02-3201	265	13	or	or	CCONJ
ajis02-3201	265	14	repeated	repeat	VERB
ajis02-3201	265	15	follow	follow	NOUN
ajis02-3201	265	16	-	-	PUNCT
ajis02-3201	265	17	ups	up	NOUN
ajis02-3201	265	18	may	may	AUX
ajis02-3201	265	19	act	act	VERB
ajis02-3201	265	20	as	as	ADP
ajis02-3201	265	21	a	a	DET
ajis02-3201	265	22	pull	pull	NOUN
ajis02-3201	265	23	strategy	strategy	NOUN
ajis02-3201	265	24	for	for	ADP
ajis02-3201	265	25	postponers	postponer	NOUN
ajis02-3201	265	26	,	,	PUNCT
ajis02-3201	265	27	but	but	CCONJ
ajis02-3201	265	28	not	not	PART
ajis02-3201	265	29	for	for	ADP
ajis02-3201	265	30	those	those	PRON
ajis02-3201	265	31	who	who	PRON
ajis02-3201	265	32	actively	actively	ADV
ajis02-3201	265	33	oppose	oppose	VERB
ajis02-3201	265	34	innovations	innovation	NOUN
ajis02-3201	265	35	.	.	PUNCT
ajis02-3201	266	1	second	second	ADJ
ajis02-3201	266	2	,	,	PUNCT
ajis02-3201	266	3	the	the	DET
ajis02-3201	266	4	findings	finding	NOUN
ajis02-3201	266	5	of	of	ADP
ajis02-3201	266	6	our	our	PRON
ajis02-3201	266	7	study	study	NOUN
ajis02-3201	266	8	show	show	VERB
ajis02-3201	266	9	that	that	SCONJ
ajis02-3201	266	10	opponents	opponent	NOUN
ajis02-3201	266	11	and	and	CCONJ
ajis02-3201	266	12	rejectors	rejector	NOUN
ajis02-3201	266	13	are	be	AUX
ajis02-3201	266	14	most	most	ADV
ajis02-3201	266	15	affected	affect	VERB
ajis02-3201	266	16	by	by	ADP
ajis02-3201	266	17	usage	usage	NOUN
ajis02-3201	266	18	barriers	barrier	NOUN
ajis02-3201	266	19	.	.	PUNCT
ajis02-3201	267	1	due	due	ADP
ajis02-3201	267	2	to	to	ADP
ajis02-3201	267	3	this	this	PRON
ajis02-3201	267	4	,	,	PUNCT
ajis02-3201	267	5	we	we	PRON
ajis02-3201	267	6	suggest	suggest	VERB
ajis02-3201	267	7	that	that	SCONJ
ajis02-3201	267	8	m	m	NOUN
ajis02-3201	267	9	-	-	PUNCT
ajis02-3201	267	10	payment	payment	NOUN
ajis02-3201	267	11	service	service	NOUN
ajis02-3201	267	12	providers	provider	NOUN
ajis02-3201	267	13	focus	focus	VERB
ajis02-3201	267	14	specifically	specifically	ADV
ajis02-3201	267	15	on	on	ADP
ajis02-3201	267	16	having	have	VERB
ajis02-3201	267	17	a	a	DET
ajis02-3201	267	18	robust	robust	ADJ
ajis02-3201	267	19	architecture	architecture	NOUN
ajis02-3201	267	20	in	in	ADP
ajis02-3201	267	21	place	place	NOUN
ajis02-3201	267	22	for	for	ADP
ajis02-3201	267	23	simple	simple	ADJ
ajis02-3201	267	24	and	and	CCONJ
ajis02-3201	267	25	fast	fast	ADJ
ajis02-3201	267	26	processing	processing	NOUN
ajis02-3201	267	27	of	of	ADP
ajis02-3201	267	28	transactions	transaction	NOUN
ajis02-3201	267	29	as	as	ADV
ajis02-3201	267	30	well	well	ADV
ajis02-3201	267	31	as	as	ADP
ajis02-3201	267	32	ensuring	ensure	VERB
ajis02-3201	267	33	that	that	SCONJ
ajis02-3201	267	34	their	their	PRON
ajis02-3201	267	35	communication	communication	NOUN
ajis02-3201	267	36	with	with	ADP
ajis02-3201	267	37	potential	potential	ADJ
ajis02-3201	267	38	users	user	NOUN
ajis02-3201	267	39	,	,	PUNCT
ajis02-3201	267	40	both	both	CCONJ
ajis02-3201	267	41	personally	personally	ADV
ajis02-3201	267	42	and	and	CCONJ
ajis02-3201	267	43	through	through	ADP
ajis02-3201	267	44	mass	mass	ADJ
ajis02-3201	267	45	media	medium	NOUN
ajis02-3201	267	46	platforms	platform	NOUN
ajis02-3201	267	47	,	,	PUNCT
ajis02-3201	267	48	emphasizes	emphasize	VERB
ajis02-3201	267	49	(	(	PUNCT
ajis02-3201	267	50	a	a	DET
ajis02-3201	267	51	)	)	PUNCT
ajis02-3201	267	52	ease	ease	NOUN
ajis02-3201	267	53	of	of	ADP
ajis02-3201	267	54	handling	handling	NOUN
ajis02-3201	267	55	,	,	PUNCT
ajis02-3201	267	56	(	(	PUNCT
ajis02-3201	267	57	b	b	X
ajis02-3201	267	58	)	)	PUNCT
ajis02-3201	267	59	convenience	convenience	NOUN
ajis02-3201	267	60	,	,	PUNCT
ajis02-3201	267	61	(	(	PUNCT
ajis02-3201	267	62	c	c	X
ajis02-3201	267	63	)	)	PUNCT
ajis02-3201	267	64	a	a	DET
ajis02-3201	267	65	fast	fast	ADJ
ajis02-3201	267	66	interface	interface	NOUN
ajis02-3201	267	67	,	,	PUNCT
ajis02-3201	267	68	and	and	CCONJ
ajis02-3201	267	69	(	(	PUNCT
ajis02-3201	267	70	d	d	X
ajis02-3201	267	71	)	)	PUNCT
ajis02-3201	267	72	the	the	DET
ajis02-3201	267	73	limited	limited	ADJ
ajis02-3201	267	74	data	data	NOUN
ajis02-3201	267	75	entry	entry	NOUN
ajis02-3201	267	76	requirements	requirement	NOUN
ajis02-3201	267	77	of	of	ADP
ajis02-3201	267	78	their	their	PRON
ajis02-3201	267	79	payment	payment	NOUN
ajis02-3201	267	80	interface	interface	NOUN
ajis02-3201	267	81	.	.	PUNCT
ajis02-3201	268	1	this	this	PRON
ajis02-3201	268	2	is	be	AUX
ajis02-3201	268	3	in	in	ADP
ajis02-3201	268	4	consonance	consonance	NOUN
ajis02-3201	268	5	with	with	ADP
ajis02-3201	268	6	prior	prior	ADJ
ajis02-3201	268	7	australasian	australasian	ADJ
ajis02-3201	268	8	journal	journal	NOUN
ajis02-3201	268	9	of	of	ADP
ajis02-3201	268	10	information	information	NOUN
ajis02-3201	268	11	systems	system	NOUN
ajis02-3201	268	12	talwar	talwar	PROPN
ajis02-3201	268	13	et	et	PROPN
ajis02-3201	268	14	al	al	PROPN
ajis02-3201	268	15	.	.	PROPN
ajis02-3201	268	16	2021	2021	NUM
ajis02-3201	268	17	,	,	PUNCT
ajis02-3201	268	18	vol	vol	NOUN
ajis02-3201	268	19	25	25	NUM
ajis02-3201	268	20	,	,	PUNCT
ajis02-3201	268	21	research	research	NOUN
ajis02-3201	268	22	on	on	ADP
ajis02-3201	268	23	evaluation	evaluation	NOUN
ajis02-3201	268	24	a	a	DET
ajis02-3201	268	25	study	study	NOUN
ajis02-3201	268	26	of	of	ADP
ajis02-3201	268	27	mobile	mobile	ADJ
ajis02-3201	268	28	payment	payment	NOUN
ajis02-3201	268	29	innovations	innovation	NOUN
ajis02-3201	268	30	of	of	ADP
ajis02-3201	268	31	mobile	mobile	ADJ
ajis02-3201	268	32	applications	application	NOUN
ajis02-3201	268	33	19	19	NUM
ajis02-3201	268	34	findings	finding	NOUN
ajis02-3201	268	35	on	on	ADP
ajis02-3201	268	36	the	the	DET
ajis02-3201	268	37	importance	importance	NOUN
ajis02-3201	268	38	of	of	ADP
ajis02-3201	268	39	communication	communication	NOUN
ajis02-3201	268	40	to	to	PART
ajis02-3201	268	41	overcome	overcome	VERB
ajis02-3201	268	42	consumer	consumer	NOUN
ajis02-3201	268	43	resistance	resistance	NOUN
ajis02-3201	268	44	(	(	PUNCT
ajis02-3201	268	45	e.g.	e.g.	ADV
ajis02-3201	268	46	,	,	PUNCT
ajis02-3201	268	47	mani	mani	PROPN
ajis02-3201	268	48	&	&	CCONJ
ajis02-3201	268	49	chouk	chouk	PROPN
ajis02-3201	268	50	,	,	PUNCT
ajis02-3201	268	51	2017	2017	NUM
ajis02-3201	268	52	;	;	PUNCT
ajis02-3201	268	53	2018	2018	NUM
ajis02-3201	268	54	)	)	PUNCT
ajis02-3201	268	55	.	.	PUNCT
ajis02-3201	269	1	third	third	ADJ
ajis02-3201	269	2	,	,	PUNCT
ajis02-3201	269	3	image	image	NOUN
ajis02-3201	269	4	barriers	barrier	NOUN
ajis02-3201	269	5	are	be	AUX
ajis02-3201	269	6	the	the	DET
ajis02-3201	269	7	highest	high	ADJ
ajis02-3201	269	8	among	among	ADP
ajis02-3201	269	9	the	the	DET
ajis02-3201	269	10	postponers	postponer	NOUN
ajis02-3201	269	11	of	of	ADP
ajis02-3201	269	12	m	m	NOUN
ajis02-3201	269	13	-	-	PUNCT
ajis02-3201	269	14	payment	payment	NOUN
ajis02-3201	269	15	usage	usage	NOUN
ajis02-3201	269	16	,	,	PUNCT
ajis02-3201	269	17	which	which	PRON
ajis02-3201	269	18	implies	imply	VERB
ajis02-3201	269	19	that	that	SCONJ
ajis02-3201	269	20	managers	manager	NOUN
ajis02-3201	269	21	should	should	AUX
ajis02-3201	269	22	identify	identify	VERB
ajis02-3201	269	23	the	the	DET
ajis02-3201	269	24	specific	specific	ADJ
ajis02-3201	269	25	reasons	reason	NOUN
ajis02-3201	269	26	why	why	SCONJ
ajis02-3201	269	27	individuals	individual	NOUN
ajis02-3201	269	28	perceive	perceive	VERB
ajis02-3201	269	29	that	that	SCONJ
ajis02-3201	269	30	using	use	VERB
ajis02-3201	269	31	m	m	NOUN
ajis02-3201	269	32	-	-	NOUN
ajis02-3201	269	33	payments	payment	NOUN
ajis02-3201	269	34	is	be	AUX
ajis02-3201	269	35	too	too	ADV
ajis02-3201	269	36	difficult	difficult	ADJ
ajis02-3201	269	37	and	and	CCONJ
ajis02-3201	269	38	has	have	VERB
ajis02-3201	269	39	frequent	frequent	ADJ
ajis02-3201	269	40	instances	instance	NOUN
ajis02-3201	269	41	of	of	ADP
ajis02-3201	269	42	transaction	transaction	NOUN
ajis02-3201	269	43	failures	failure	NOUN
ajis02-3201	269	44	.	.	PUNCT
ajis02-3201	270	1	this	this	DET
ajis02-3201	270	2	realization	realization	NOUN
ajis02-3201	270	3	is	be	AUX
ajis02-3201	270	4	important	important	ADJ
ajis02-3201	270	5	because	because	SCONJ
ajis02-3201	270	6	postponers	postponer	NOUN
ajis02-3201	270	7	are	be	AUX
ajis02-3201	270	8	a	a	DET
ajis02-3201	270	9	resistor	resistor	NOUN
ajis02-3201	270	10	group	group	NOUN
ajis02-3201	270	11	who	who	PRON
ajis02-3201	270	12	are	be	AUX
ajis02-3201	270	13	not	not	PART
ajis02-3201	270	14	only	only	ADV
ajis02-3201	270	15	temporarily	temporarily	ADV
ajis02-3201	270	16	delaying	delay	VERB
ajis02-3201	270	17	adoption	adoption	NOUN
ajis02-3201	270	18	(	(	PUNCT
ajis02-3201	270	19	kuisma	kuisma	VERB
ajis02-3201	270	20	et	et	PROPN
ajis02-3201	270	21	al	al	PROPN
ajis02-3201	270	22	.	.	PROPN
ajis02-3201	270	23	,	,	PUNCT
ajis02-3201	270	24	2007	2007	NUM
ajis02-3201	270	25	)	)	PUNCT
ajis02-3201	270	26	but	but	CCONJ
ajis02-3201	270	27	are	be	AUX
ajis02-3201	270	28	also	also	ADV
ajis02-3201	270	29	equally	equally	ADV
ajis02-3201	270	30	likely	likely	ADJ
ajis02-3201	270	31	to	to	PART
ajis02-3201	270	32	reject	reject	VERB
ajis02-3201	270	33	the	the	DET
ajis02-3201	270	34	use	use	NOUN
ajis02-3201	270	35	of	of	ADP
ajis02-3201	270	36	m	m	NOUN
ajis02-3201	270	37	-	-	NOUN
ajis02-3201	270	38	payments	payment	NOUN
ajis02-3201	270	39	with	with	ADP
ajis02-3201	270	40	time	time	NOUN
ajis02-3201	270	41	(	(	PUNCT
ajis02-3201	270	42	cornescu	cornescu	NOUN
ajis02-3201	270	43	&	&	CCONJ
ajis02-3201	270	44	adam	adam	PROPN
ajis02-3201	270	45	,	,	PUNCT
ajis02-3201	270	46	2013	2013	NUM
ajis02-3201	270	47	)	)	PUNCT
ajis02-3201	270	48	.	.	PUNCT
ajis02-3201	271	1	to	to	PART
ajis02-3201	271	2	counter	counter	VERB
ajis02-3201	271	3	this	this	DET
ajis02-3201	271	4	issue	issue	NOUN
ajis02-3201	271	5	,	,	PUNCT
ajis02-3201	271	6	service	service	NOUN
ajis02-3201	271	7	providers	provider	NOUN
ajis02-3201	271	8	may	may	AUX
ajis02-3201	271	9	develop	develop	VERB
ajis02-3201	271	10	advertisements	advertisement	NOUN
ajis02-3201	271	11	with	with	ADP
ajis02-3201	271	12	a	a	DET
ajis02-3201	271	13	storyline	storyline	NOUN
ajis02-3201	271	14	that	that	PRON
ajis02-3201	271	15	underscores	underscore	VERB
ajis02-3201	271	16	how	how	SCONJ
ajis02-3201	271	17	m	m	NOUN
ajis02-3201	271	18	-	-	PUNCT
ajis02-3201	271	19	payments	payment	NOUN
ajis02-3201	271	20	benefit	benefit	VERB
ajis02-3201	271	21	both	both	DET
ajis02-3201	271	22	society	society	NOUN
ajis02-3201	271	23	and	and	CCONJ
ajis02-3201	271	24	individuals	individual	NOUN
ajis02-3201	271	25	,	,	PUNCT
ajis02-3201	271	26	how	how	SCONJ
ajis02-3201	271	27	they	they	PRON
ajis02-3201	271	28	make	make	VERB
ajis02-3201	271	29	life	life	NOUN
ajis02-3201	271	30	easy	easy	ADJ
ajis02-3201	271	31	,	,	PUNCT
ajis02-3201	271	32	and	and	CCONJ
ajis02-3201	271	33	how	how	SCONJ
ajis02-3201	271	34	vulnerable	vulnerable	ADJ
ajis02-3201	271	35	populations	population	NOUN
ajis02-3201	271	36	,	,	PUNCT
ajis02-3201	271	37	such	such	ADJ
ajis02-3201	271	38	as	as	ADP
ajis02-3201	271	39	women	woman	NOUN
ajis02-3201	271	40	,	,	PUNCT
ajis02-3201	271	41	the	the	DET
ajis02-3201	271	42	elderly	elderly	ADJ
ajis02-3201	271	43	,	,	PUNCT
ajis02-3201	271	44	and	and	CCONJ
ajis02-3201	271	45	those	those	PRON
ajis02-3201	271	46	suffering	suffer	VERB
ajis02-3201	271	47	from	from	ADP
ajis02-3201	271	48	medical	medical	ADJ
ajis02-3201	271	49	issues	issue	NOUN
ajis02-3201	271	50	,	,	PUNCT
ajis02-3201	271	51	can	can	AUX
ajis02-3201	271	52	have	have	VERB
ajis02-3201	271	53	an	an	DET
ajis02-3201	271	54	easier	easy	ADJ
ajis02-3201	271	55	and	and	CCONJ
ajis02-3201	271	56	safer	safe	ADJ
ajis02-3201	271	57	payment	payment	NOUN
ajis02-3201	271	58	transaction	transaction	NOUN
ajis02-3201	271	59	interface	interface	NOUN
ajis02-3201	271	60	.	.	PUNCT
ajis02-3201	272	1	the	the	DET
ajis02-3201	272	2	backdrop	backdrop	NOUN
ajis02-3201	272	3	of	of	ADP
ajis02-3201	272	4	the	the	DET
ajis02-3201	272	5	covid-19	covid-19	PROPN
ajis02-3201	272	6	pandemic	pandemic	NOUN
ajis02-3201	272	7	can	can	AUX
ajis02-3201	272	8	be	be	AUX
ajis02-3201	272	9	used	use	VERB
ajis02-3201	272	10	to	to	PART
ajis02-3201	272	11	further	far	ADV
ajis02-3201	272	12	strengthen	strengthen	VERB
ajis02-3201	272	13	the	the	DET
ajis02-3201	272	14	narrative	narrative	NOUN
ajis02-3201	272	15	that	that	PRON
ajis02-3201	272	16	contactless	contactless	ADJ
ajis02-3201	272	17	payment	payment	NOUN
ajis02-3201	272	18	methods	method	NOUN
ajis02-3201	272	19	are	be	AUX
ajis02-3201	272	20	a	a	DET
ajis02-3201	272	21	natural	natural	ADJ
ajis02-3201	272	22	progression	progression	NOUN
ajis02-3201	272	23	to	to	PART
ajis02-3201	272	24	protect	protect	VERB
ajis02-3201	272	25	oneself	oneself	PRON
ajis02-3201	272	26	from	from	ADP
ajis02-3201	272	27	infection	infection	NOUN
ajis02-3201	272	28	and	and	CCONJ
ajis02-3201	272	29	,	,	PUNCT
ajis02-3201	272	30	furthermore	furthermore	ADV
ajis02-3201	272	31	,	,	PUNCT
ajis02-3201	272	32	are	be	AUX
ajis02-3201	272	33	a	a	DET
ajis02-3201	272	34	simple	simple	ADJ
ajis02-3201	272	35	way	way	NOUN
ajis02-3201	272	36	to	to	PART
ajis02-3201	272	37	complete	complete	VERB
ajis02-3201	272	38	financial	financial	ADJ
ajis02-3201	272	39	transactions	transaction	NOUN
ajis02-3201	272	40	.	.	PUNCT
ajis02-3201	273	1	if	if	SCONJ
ajis02-3201	273	2	properly	properly	ADV
ajis02-3201	273	3	executed	execute	VERB
ajis02-3201	273	4	,	,	PUNCT
ajis02-3201	273	5	such	such	ADJ
ajis02-3201	273	6	efforts	effort	NOUN
ajis02-3201	273	7	to	to	PART
ajis02-3201	273	8	reduce	reduce	VERB
ajis02-3201	273	9	postponement	postponement	NOUN
ajis02-3201	273	10	can	can	AUX
ajis02-3201	273	11	be	be	AUX
ajis02-3201	273	12	rewarding	rewarding	ADJ
ajis02-3201	273	13	for	for	ADP
ajis02-3201	273	14	the	the	DET
ajis02-3201	273	15	service	service	NOUN
ajis02-3201	273	16	providers	provider	NOUN
ajis02-3201	273	17	since	since	SCONJ
ajis02-3201	273	18	scholars	scholar	NOUN
ajis02-3201	273	19	have	have	AUX
ajis02-3201	273	20	argued	argue	VERB
ajis02-3201	273	21	that	that	SCONJ
ajis02-3201	273	22	with	with	ADP
ajis02-3201	273	23	time	time	NOUN
ajis02-3201	273	24	and	and	CCONJ
ajis02-3201	273	25	information	information	NOUN
ajis02-3201	273	26	,	,	PUNCT
ajis02-3201	273	27	postponement	postponement	NOUN
ajis02-3201	273	28	can	can	AUX
ajis02-3201	273	29	transform	transform	VERB
ajis02-3201	273	30	into	into	ADP
ajis02-3201	273	31	adoption	adoption	NOUN
ajis02-3201	273	32	(	(	PUNCT
ajis02-3201	273	33	kuisma	kuisma	VERB
ajis02-3201	273	34	et	et	PROPN
ajis02-3201	273	35	al	al	PROPN
ajis02-3201	273	36	.	.	PROPN
ajis02-3201	273	37	,	,	PUNCT
ajis02-3201	273	38	2007	2007	NUM
ajis02-3201	273	39	)	)	PUNCT
ajis02-3201	273	40	.	.	PUNCT
ajis02-3201	274	1	finally	finally	ADV
ajis02-3201	274	2	,	,	PUNCT
ajis02-3201	274	3	our	our	PRON
ajis02-3201	274	4	findings	finding	NOUN
ajis02-3201	274	5	reveal	reveal	VERB
ajis02-3201	274	6	that	that	SCONJ
ajis02-3201	274	7	opposition	opposition	NOUN
ajis02-3201	274	8	is	be	AUX
ajis02-3201	274	9	highly	highly	ADV
ajis02-3201	274	10	influenced	influence	VERB
ajis02-3201	274	11	by	by	ADP
ajis02-3201	274	12	usage	usage	NOUN
ajis02-3201	274	13	barriers	barrier	NOUN
ajis02-3201	274	14	as	as	ADV
ajis02-3201	274	15	well	well	ADV
ajis02-3201	274	16	as	as	ADP
ajis02-3201	274	17	image	image	NOUN
ajis02-3201	274	18	(	(	PUNCT
ajis02-3201	274	19	91.63	91.63	NUM
ajis02-3201	274	20	%	%	NOUN
ajis02-3201	274	21	)	)	PUNCT
ajis02-3201	274	22	and	and	CCONJ
ajis02-3201	274	23	tradition	tradition	NOUN
ajis02-3201	274	24	barriers	barrier	NOUN
ajis02-3201	274	25	(	(	PUNCT
ajis02-3201	274	26	75.83	75.83	NUM
ajis02-3201	274	27	%	%	NOUN
ajis02-3201	274	28	)	)	PUNCT
ajis02-3201	274	29	.	.	PUNCT
ajis02-3201	275	1	the	the	DET
ajis02-3201	275	2	existence	existence	NOUN
ajis02-3201	275	3	of	of	ADP
ajis02-3201	275	4	these	these	DET
ajis02-3201	275	5	barriers	barrier	NOUN
ajis02-3201	275	6	is	be	AUX
ajis02-3201	275	7	thus	thus	ADV
ajis02-3201	275	8	likely	likely	ADJ
ajis02-3201	275	9	to	to	PART
ajis02-3201	275	10	exacerbate	exacerbate	VERB
ajis02-3201	275	11	opposition	opposition	NOUN
ajis02-3201	275	12	intentions	intention	NOUN
ajis02-3201	275	13	and	and	CCONJ
ajis02-3201	275	14	cause	cause	VERB
ajis02-3201	275	15	difficulties	difficulty	NOUN
ajis02-3201	275	16	for	for	ADP
ajis02-3201	275	17	service	service	NOUN
ajis02-3201	275	18	providers	provider	NOUN
ajis02-3201	275	19	.	.	PUNCT
ajis02-3201	276	1	this	this	PRON
ajis02-3201	276	2	is	be	AUX
ajis02-3201	276	3	particularly	particularly	ADV
ajis02-3201	276	4	concerning	concern	VERB
ajis02-3201	276	5	because	because	SCONJ
ajis02-3201	276	6	opposers	opposer	NOUN
ajis02-3201	276	7	not	not	PART
ajis02-3201	276	8	only	only	ADV
ajis02-3201	276	9	aggressively	aggressively	ADV
ajis02-3201	276	10	challenge	challenge	VERB
ajis02-3201	276	11	the	the	DET
ajis02-3201	276	12	innovation	innovation	NOUN
ajis02-3201	276	13	but	but	CCONJ
ajis02-3201	276	14	also	also	ADV
ajis02-3201	276	15	try	try	VERB
ajis02-3201	276	16	to	to	PART
ajis02-3201	276	17	prevent	prevent	VERB
ajis02-3201	276	18	others	other	NOUN
ajis02-3201	276	19	from	from	ADP
ajis02-3201	276	20	accepting	accept	VERB
ajis02-3201	276	21	it	it	PRON
ajis02-3201	276	22	(	(	PUNCT
ajis02-3201	276	23	claudy	claudy	VERB
ajis02-3201	276	24	et	et	PROPN
ajis02-3201	276	25	al	al	PROPN
ajis02-3201	276	26	.	.	PROPN
ajis02-3201	276	27	,	,	PUNCT
ajis02-3201	276	28	2015	2015	NUM
ajis02-3201	276	29	;	;	PUNCT
ajis02-3201	276	30	gurtner	gurtner	NOUN
ajis02-3201	276	31	,	,	PUNCT
ajis02-3201	276	32	2014	2014	NUM
ajis02-3201	276	33	)	)	PUNCT
ajis02-3201	276	34	.	.	PUNCT
ajis02-3201	277	1	however	however	ADV
ajis02-3201	277	2	,	,	PUNCT
ajis02-3201	277	3	opposers	opposer	NOUN
ajis02-3201	277	4	can	can	AUX
ajis02-3201	277	5	still	still	ADV
ajis02-3201	277	6	potentially	potentially	ADV
ajis02-3201	277	7	adopt	adopt	VERB
ajis02-3201	277	8	the	the	DET
ajis02-3201	277	9	innovation	innovation	NOUN
ajis02-3201	277	10	with	with	ADP
ajis02-3201	277	11	time	time	NOUN
ajis02-3201	277	12	(	(	PUNCT
ajis02-3201	277	13	kuisma	kuisma	VERB
ajis02-3201	277	14	et	et	PROPN
ajis02-3201	277	15	al	al	PROPN
ajis02-3201	277	16	.	.	PROPN
ajis02-3201	277	17	,	,	PUNCT
ajis02-3201	277	18	2007	2007	NUM
ajis02-3201	277	19	)	)	PUNCT
ajis02-3201	277	20	.	.	PUNCT
ajis02-3201	278	1	managers	manager	NOUN
ajis02-3201	278	2	should	should	AUX
ajis02-3201	278	3	thus	thus	ADV
ajis02-3201	278	4	look	look	VERB
ajis02-3201	278	5	beyond	beyond	ADP
ajis02-3201	278	6	lowering	lower	VERB
ajis02-3201	278	7	the	the	DET
ajis02-3201	278	8	usage	usage	NOUN
ajis02-3201	278	9	and	and	CCONJ
ajis02-3201	278	10	image	image	NOUN
ajis02-3201	278	11	barriers	barrier	NOUN
ajis02-3201	278	12	alone	alone	ADV
ajis02-3201	278	13	to	to	PART
ajis02-3201	278	14	identify	identify	VERB
ajis02-3201	278	15	the	the	DET
ajis02-3201	278	16	reasons	reason	NOUN
ajis02-3201	278	17	why	why	SCONJ
ajis02-3201	278	18	individuals	individual	NOUN
ajis02-3201	278	19	perceive	perceive	VERB
ajis02-3201	278	20	m	m	NOUN
ajis02-3201	278	21	-	-	NOUN
ajis02-3201	278	22	payments	payment	NOUN
ajis02-3201	278	23	to	to	PART
ajis02-3201	278	24	be	be	AUX
ajis02-3201	278	25	against	against	ADP
ajis02-3201	278	26	their	their	PRON
ajis02-3201	278	27	norms	norm	NOUN
ajis02-3201	278	28	or	or	CCONJ
ajis02-3201	278	29	well	well	ADV
ajis02-3201	278	30	-	-	PUNCT
ajis02-3201	278	31	entrenched	entrench	VERB
ajis02-3201	278	32	practices	practice	NOUN
ajis02-3201	278	33	;	;	PUNCT
ajis02-3201	278	34	in	in	ADP
ajis02-3201	278	35	turn	turn	NOUN
ajis02-3201	278	36	,	,	PUNCT
ajis02-3201	278	37	this	this	DET
ajis02-3201	278	38	knowledge	knowledge	NOUN
ajis02-3201	278	39	will	will	AUX
ajis02-3201	278	40	guide	guide	VERB
ajis02-3201	278	41	them	they	PRON
ajis02-3201	278	42	in	in	ADP
ajis02-3201	278	43	developing	develop	VERB
ajis02-3201	278	44	strategies	strategy	NOUN
ajis02-3201	278	45	to	to	PART
ajis02-3201	278	46	present	present	VERB
ajis02-3201	278	47	m	m	ADJ
ajis02-3201	278	48	-	-	PUNCT
ajis02-3201	278	49	payment	payment	NOUN
ajis02-3201	278	50	methods	method	NOUN
ajis02-3201	278	51	as	as	ADP
ajis02-3201	278	52	a	a	DET
ajis02-3201	278	53	healthier	healthy	ADJ
ajis02-3201	278	54	option	option	NOUN
ajis02-3201	278	55	for	for	ADP
ajis02-3201	278	56	transactions	transaction	NOUN
ajis02-3201	278	57	,	,	PUNCT
ajis02-3201	278	58	given	give	VERB
ajis02-3201	278	59	the	the	DET
ajis02-3201	278	60	risk	risk	NOUN
ajis02-3201	278	61	of	of	ADP
ajis02-3201	278	62	transmission	transmission	NOUN
ajis02-3201	278	63	associated	associate	VERB
ajis02-3201	278	64	with	with	ADP
ajis02-3201	278	65	currency	currency	NOUN
ajis02-3201	278	66	notes	note	NOUN
ajis02-3201	278	67	(	(	PUNCT
ajis02-3201	278	68	abd	abd	PROPN
ajis02-3201	278	69	alfadil	alfadil	VERB
ajis02-3201	278	70	et	et	PROPN
ajis02-3201	278	71	al	al	PROPN
ajis02-3201	278	72	.	.	PROPN
ajis02-3201	278	73	,	,	PUNCT
ajis02-3201	278	74	2018	2018	NUM
ajis02-3201	278	75	)	)	PUNCT
ajis02-3201	278	76	.	.	PUNCT
ajis02-3201	279	1	7.3	7.3	NUM
ajis02-3201	279	2	limitations	limitation	NOUN
ajis02-3201	279	3	and	and	CCONJ
ajis02-3201	279	4	future	future	ADJ
ajis02-3201	279	5	research	research	NOUN
ajis02-3201	279	6	areas	area	NOUN
ajis02-3201	279	7	despite	despite	SCONJ
ajis02-3201	279	8	its	its	PRON
ajis02-3201	279	9	novel	novel	ADJ
ajis02-3201	279	10	approach	approach	NOUN
ajis02-3201	279	11	and	and	CCONJ
ajis02-3201	279	12	contributions	contribution	NOUN
ajis02-3201	279	13	,	,	PUNCT
ajis02-3201	279	14	the	the	DET
ajis02-3201	279	15	study	study	NOUN
ajis02-3201	279	16	presents	present	VERB
ajis02-3201	279	17	certain	certain	ADJ
ajis02-3201	279	18	limitations	limitation	NOUN
ajis02-3201	279	19	.	.	PUNCT
ajis02-3201	280	1	first	first	ADV
ajis02-3201	280	2	,	,	PUNCT
ajis02-3201	280	3	the	the	DET
ajis02-3201	280	4	data	datum	NOUN
ajis02-3201	280	5	was	be	AUX
ajis02-3201	280	6	collected	collect	VERB
ajis02-3201	280	7	from	from	ADP
ajis02-3201	280	8	a	a	DET
ajis02-3201	280	9	single	single	ADJ
ajis02-3201	280	10	geography	geography	NOUN
ajis02-3201	280	11	using	use	VERB
ajis02-3201	280	12	a	a	DET
ajis02-3201	280	13	self	self	NOUN
ajis02-3201	280	14	-	-	PUNCT
ajis02-3201	280	15	report	report	NOUN
ajis02-3201	280	16	survey	survey	NOUN
ajis02-3201	280	17	instrument	instrument	NOUN
ajis02-3201	280	18	.	.	PUNCT
ajis02-3201	281	1	thus	thus	ADV
ajis02-3201	281	2	,	,	PUNCT
ajis02-3201	281	3	the	the	DET
ajis02-3201	281	4	study	study	NOUN
ajis02-3201	281	5	is	be	AUX
ajis02-3201	281	6	likely	likely	ADJ
ajis02-3201	281	7	to	to	PART
ajis02-3201	281	8	suffer	suffer	VERB
ajis02-3201	281	9	from	from	ADP
ajis02-3201	281	10	socially	socially	ADV
ajis02-3201	281	11	desirable	desirable	ADJ
ajis02-3201	281	12	responses	response	NOUN
ajis02-3201	281	13	,	,	PUNCT
ajis02-3201	281	14	and	and	CCONJ
ajis02-3201	281	15	the	the	DET
ajis02-3201	281	16	findings	finding	NOUN
ajis02-3201	281	17	may	may	AUX
ajis02-3201	281	18	lack	lack	VERB
ajis02-3201	281	19	generalizability	generalizability	NOUN
ajis02-3201	281	20	.	.	PUNCT
ajis02-3201	282	1	however	however	ADV
ajis02-3201	282	2	,	,	PUNCT
ajis02-3201	282	3	the	the	DET
ajis02-3201	282	4	study	study	NOUN
ajis02-3201	282	5	sets	set	VERB
ajis02-3201	282	6	the	the	DET
ajis02-3201	282	7	foundation	foundation	NOUN
ajis02-3201	282	8	for	for	ADP
ajis02-3201	282	9	future	future	ADJ
ajis02-3201	282	10	researchers	researcher	NOUN
ajis02-3201	282	11	to	to	PART
ajis02-3201	282	12	examine	examine	VERB
ajis02-3201	282	13	the	the	DET
ajis02-3201	282	14	varying	vary	VERB
ajis02-3201	282	15	levels	level	NOUN
ajis02-3201	282	16	of	of	ADP
ajis02-3201	282	17	resistance	resistance	NOUN
ajis02-3201	282	18	among	among	ADP
ajis02-3201	282	19	consumers	consumer	NOUN
ajis02-3201	282	20	and	and	CCONJ
ajis02-3201	282	21	the	the	DET
ajis02-3201	282	22	influence	influence	NOUN
ajis02-3201	282	23	of	of	ADP
ajis02-3201	282	24	irt	irt	PROPN
ajis02-3201	282	25	barriers	barrier	NOUN
ajis02-3201	282	26	on	on	ADP
ajis02-3201	282	27	these	these	DET
ajis02-3201	282	28	manifestations	manifestation	NOUN
ajis02-3201	282	29	.	.	PUNCT
ajis02-3201	283	1	researchers	researcher	NOUN
ajis02-3201	283	2	can	can	AUX
ajis02-3201	283	3	thus	thus	ADV
ajis02-3201	283	4	expand	expand	VERB
ajis02-3201	283	5	our	our	PRON
ajis02-3201	283	6	model	model	NOUN
ajis02-3201	283	7	to	to	ADP
ajis02-3201	283	8	different	different	ADJ
ajis02-3201	283	9	contexts	context	NOUN
ajis02-3201	283	10	by	by	ADP
ajis02-3201	283	11	identifying	identify	VERB
ajis02-3201	283	12	product	product	NOUN
ajis02-3201	283	13	-	-	PUNCT
ajis02-3201	283	14	specific	specific	ADJ
ajis02-3201	283	15	barriers	barrier	NOUN
ajis02-3201	283	16	,	,	PUNCT
ajis02-3201	283	17	as	as	SCONJ
ajis02-3201	283	18	done	do	VERB
ajis02-3201	283	19	by	by	ADP
ajis02-3201	283	20	some	some	DET
ajis02-3201	283	21	recent	recent	ADJ
ajis02-3201	283	22	studies	study	NOUN
ajis02-3201	283	23	(	(	PUNCT
ajis02-3201	283	24	e.g.	e.g.	ADV
ajis02-3201	283	25	,	,	PUNCT
ajis02-3201	283	26	talwar	talwar	PROPN
ajis02-3201	283	27	et	et	PROPN
ajis02-3201	283	28	al	al	PROPN
ajis02-3201	283	29	.	.	PROPN
ajis02-3201	283	30	,	,	PUNCT
ajis02-3201	283	31	2020b	2020b	NUM
ajis02-3201	283	32	)	)	PUNCT
ajis02-3201	283	33	.	.	PUNCT
ajis02-3201	284	1	second	second	ADV
ajis02-3201	284	2	,	,	PUNCT
ajis02-3201	284	3	our	our	PRON
ajis02-3201	284	4	study	study	NOUN
ajis02-3201	284	5	used	use	VERB
ajis02-3201	284	6	ann	ann	PROPN
ajis02-3201	284	7	for	for	ADP
ajis02-3201	284	8	data	data	NOUN
ajis02-3201	284	9	analysis	analysis	NOUN
ajis02-3201	284	10	,	,	PUNCT
ajis02-3201	284	11	which	which	PRON
ajis02-3201	284	12	is	be	AUX
ajis02-3201	284	13	a	a	DET
ajis02-3201	284	14	robust	robust	ADJ
ajis02-3201	284	15	method	method	NOUN
ajis02-3201	284	16	for	for	ADP
ajis02-3201	284	17	uncovering	uncover	VERB
ajis02-3201	284	18	the	the	DET
ajis02-3201	284	19	relative	relative	ADJ
ajis02-3201	284	20	influence	influence	NOUN
ajis02-3201	284	21	of	of	ADP
ajis02-3201	284	22	antecedents	antecedent	NOUN
ajis02-3201	284	23	on	on	ADP
ajis02-3201	284	24	outcome	outcome	NOUN
ajis02-3201	284	25	variables	variable	NOUN
ajis02-3201	284	26	,	,	PUNCT
ajis02-3201	284	27	as	as	SCONJ
ajis02-3201	284	28	posited	posit	VERB
ajis02-3201	284	29	by	by	ADP
ajis02-3201	284	30	recent	recent	ADJ
ajis02-3201	284	31	studies	study	NOUN
ajis02-3201	284	32	(	(	PUNCT
ajis02-3201	284	33	e.g.	e.g.	ADV
ajis02-3201	284	34	,	,	PUNCT
ajis02-3201	284	35	hew	hew	VERB
ajis02-3201	284	36	et	et	PROPN
ajis02-3201	284	37	al	al	PROPN
ajis02-3201	284	38	.	.	PROPN
ajis02-3201	284	39	,	,	PUNCT
ajis02-3201	284	40	2019	2019	NUM
ajis02-3201	284	41	;	;	PUNCT
ajis02-3201	284	42	leong	leong	PROPN
ajis02-3201	284	43	et	et	PROPN
ajis02-3201	284	44	al	al	PROPN
ajis02-3201	284	45	.	.	PROPN
ajis02-3201	284	46	,	,	PUNCT
ajis02-3201	284	47	2020	2020	NUM
ajis02-3201	284	48	;	;	PUNCT
ajis02-3201	284	49	talwar	talwar	PROPN
ajis02-3201	284	50	et	et	PROPN
ajis02-3201	284	51	al	al	PROPN
ajis02-3201	284	52	.	.	PROPN
ajis02-3201	284	53	,	,	PUNCT
ajis02-3201	284	54	2020f	2020f	NUM
ajis02-3201	284	55	)	)	PUNCT
ajis02-3201	284	56	.	.	PUNCT
ajis02-3201	285	1	however	however	ADV
ajis02-3201	285	2	,	,	PUNCT
ajis02-3201	285	3	ann	ann	PROPN
ajis02-3201	285	4	does	do	AUX
ajis02-3201	285	5	not	not	PART
ajis02-3201	285	6	support	support	VERB
ajis02-3201	285	7	hypothesis	hypothesis	NOUN
ajis02-3201	285	8	testing	testing	NOUN
ajis02-3201	285	9	.	.	PUNCT
ajis02-3201	286	1	due	due	ADP
ajis02-3201	286	2	to	to	ADP
ajis02-3201	286	3	this	this	PRON
ajis02-3201	286	4	,	,	PUNCT
ajis02-3201	286	5	the	the	DET
ajis02-3201	286	6	findings	finding	NOUN
ajis02-3201	286	7	of	of	ADP
ajis02-3201	286	8	our	our	PRON
ajis02-3201	286	9	study	study	NOUN
ajis02-3201	286	10	offer	offer	VERB
ajis02-3201	286	11	an	an	DET
ajis02-3201	286	12	interesting	interesting	ADJ
ajis02-3201	286	13	but	but	CCONJ
ajis02-3201	286	14	limited	limited	ADJ
ajis02-3201	286	15	perspective	perspective	NOUN
ajis02-3201	286	16	.	.	PUNCT
ajis02-3201	287	1	future	future	ADJ
ajis02-3201	287	2	studies	study	NOUN
ajis02-3201	287	3	can	can	AUX
ajis02-3201	287	4	apply	apply	VERB
ajis02-3201	287	5	the	the	DET
ajis02-3201	287	6	more	more	ADV
ajis02-3201	287	7	commonly	commonly	ADV
ajis02-3201	287	8	used	use	VERB
ajis02-3201	287	9	cb	cb	PROPN
ajis02-3201	287	10	-	-	PUNCT
ajis02-3201	287	11	sem	sem	PROPN
ajis02-3201	287	12	to	to	PART
ajis02-3201	287	13	test	test	VERB
ajis02-3201	287	14	the	the	DET
ajis02-3201	287	15	related	relate	VERB
ajis02-3201	287	16	hypotheses	hypothesis	NOUN
ajis02-3201	287	17	and	and	CCONJ
ajis02-3201	287	18	offer	offer	VERB
ajis02-3201	287	19	a	a	DET
ajis02-3201	287	20	more	more	ADV
ajis02-3201	287	21	granular	granular	ADJ
ajis02-3201	287	22	understanding	understanding	NOUN
ajis02-3201	287	23	of	of	ADP
ajis02-3201	287	24	the	the	DET
ajis02-3201	287	25	dynamics	dynamic	NOUN
ajis02-3201	287	26	.	.	PUNCT
ajis02-3201	288	1	third	third	ADJ
ajis02-3201	288	2	,	,	PUNCT
ajis02-3201	288	3	from	from	ADP
ajis02-3201	288	4	a	a	DET
ajis02-3201	288	5	conceptual	conceptual	ADJ
ajis02-3201	288	6	perspective	perspective	NOUN
ajis02-3201	288	7	,	,	PUNCT
ajis02-3201	288	8	our	our	PRON
ajis02-3201	288	9	model	model	NOUN
ajis02-3201	288	10	is	be	AUX
ajis02-3201	288	11	limited	limit	VERB
ajis02-3201	288	12	to	to	ADP
ajis02-3201	288	13	testing	test	VERB
ajis02-3201	288	14	the	the	DET
ajis02-3201	288	15	influence	influence	NOUN
ajis02-3201	288	16	of	of	ADP
ajis02-3201	288	17	each	each	DET
ajis02-3201	288	18	barrier	barrier	NOUN
ajis02-3201	288	19	separately	separately	ADV
ajis02-3201	288	20	on	on	ADP
ajis02-3201	288	21	the	the	DET
ajis02-3201	288	22	postponement	postponement	NOUN
ajis02-3201	288	23	,	,	PUNCT
ajis02-3201	288	24	opposition	opposition	NOUN
ajis02-3201	288	25	,	,	PUNCT
ajis02-3201	288	26	and	and	CCONJ
ajis02-3201	288	27	rejection	rejection	NOUN
ajis02-3201	288	28	of	of	ADP
ajis02-3201	288	29	m	m	NOUN
ajis02-3201	288	30	-	-	NOUN
ajis02-3201	288	31	wallets	wallet	NOUN
ajis02-3201	288	32	.	.	PUNCT
ajis02-3201	289	1	however	however	ADV
ajis02-3201	289	2	,	,	PUNCT
ajis02-3201	289	3	past	past	ADP
ajis02-3201	289	4	australasian	australasian	ADJ
ajis02-3201	289	5	journal	journal	NOUN
ajis02-3201	289	6	of	of	ADP
ajis02-3201	289	7	information	information	NOUN
ajis02-3201	289	8	systems	system	NOUN
ajis02-3201	289	9	talwar	talwar	PROPN
ajis02-3201	289	10	et	et	PROPN
ajis02-3201	289	11	al	al	PROPN
ajis02-3201	289	12	.	.	PROPN
ajis02-3201	289	13	2021	2021	NUM
ajis02-3201	289	14	,	,	PUNCT
ajis02-3201	289	15	vol	vol	NOUN
ajis02-3201	289	16	25	25	NUM
ajis02-3201	289	17	,	,	PUNCT
ajis02-3201	289	18	research	research	NOUN
ajis02-3201	289	19	on	on	ADP
ajis02-3201	289	20	evaluation	evaluation	NOUN
ajis02-3201	289	21	a	a	DET
ajis02-3201	289	22	study	study	NOUN
ajis02-3201	289	23	of	of	ADP
ajis02-3201	289	24	mobile	mobile	ADJ
ajis02-3201	289	25	payment	payment	NOUN
ajis02-3201	289	26	innovations	innovation	NOUN
ajis02-3201	289	27	of	of	ADP
ajis02-3201	289	28	mobile	mobile	ADJ
ajis02-3201	289	29	applications	application	NOUN
ajis02-3201	289	30	20	20	NUM
ajis02-3201	289	31	studies	study	NOUN
ajis02-3201	289	32	have	have	AUX
ajis02-3201	289	33	posited	posit	VERB
ajis02-3201	289	34	postponement	postponement	NOUN
ajis02-3201	289	35	and	and	CCONJ
ajis02-3201	289	36	opposition	opposition	NOUN
ajis02-3201	289	37	as	as	ADP
ajis02-3201	289	38	intermediate	intermediate	ADJ
ajis02-3201	289	39	stages	stage	NOUN
ajis02-3201	289	40	that	that	PRON
ajis02-3201	289	41	may	may	AUX
ajis02-3201	289	42	transform	transform	VERB
ajis02-3201	289	43	into	into	ADP
ajis02-3201	289	44	rejection	rejection	NOUN
ajis02-3201	289	45	or	or	CCONJ
ajis02-3201	289	46	adoption	adoption	NOUN
ajis02-3201	289	47	(	(	PUNCT
ajis02-3201	289	48	cornescu	cornescu	NOUN
ajis02-3201	289	49	&	&	CCONJ
ajis02-3201	289	50	adam	adam	PROPN
ajis02-3201	289	51	,	,	PUNCT
ajis02-3201	289	52	2013	2013	NUM
ajis02-3201	289	53	;	;	PUNCT
ajis02-3201	289	54	kuisma	kuisma	VERB
ajis02-3201	289	55	et	et	PROPN
ajis02-3201	289	56	al	al	PROPN
ajis02-3201	289	57	.	.	PROPN
ajis02-3201	289	58	,	,	PUNCT
ajis02-3201	289	59	2007	2007	NUM
ajis02-3201	289	60	)	)	PUNCT
ajis02-3201	289	61	.	.	PUNCT
ajis02-3201	290	1	as	as	ADP
ajis02-3201	290	2	such	such	ADJ
ajis02-3201	290	3	,	,	PUNCT
ajis02-3201	290	4	we	we	PRON
ajis02-3201	290	5	suggest	suggest	VERB
ajis02-3201	290	6	that	that	SCONJ
ajis02-3201	290	7	scholars	scholar	NOUN
ajis02-3201	290	8	should	should	AUX
ajis02-3201	290	9	develop	develop	VERB
ajis02-3201	290	10	models	model	NOUN
ajis02-3201	290	11	that	that	PRON
ajis02-3201	290	12	capture	capture	VERB
ajis02-3201	290	13	this	this	DET
ajis02-3201	290	14	transition	transition	NOUN
ajis02-3201	290	15	and	and	CCONJ
ajis02-3201	290	16	consider	consider	VERB
ajis02-3201	290	17	various	various	ADJ
ajis02-3201	290	18	mediating	mediating	NOUN
ajis02-3201	290	19	and	and	CCONJ
ajis02-3201	290	20	moderating	moderating	NOUN
ajis02-3201	290	21	influences	influence	NOUN
ajis02-3201	290	22	that	that	PRON
ajis02-3201	290	23	may	may	AUX
ajis02-3201	290	24	affect	affect	VERB
ajis02-3201	290	25	the	the	DET
ajis02-3201	290	26	underlying	underlying	ADJ
ajis02-3201	290	27	associations	association	NOUN
ajis02-3201	290	28	.	.	PUNCT
ajis02-3201	291	1	furthermore	furthermore	ADV
ajis02-3201	291	2	,	,	PUNCT
ajis02-3201	291	3	researchers	researcher	NOUN
ajis02-3201	291	4	can	can	AUX
ajis02-3201	291	5	examine	examine	VERB
ajis02-3201	291	6	our	our	PRON
ajis02-3201	291	7	model	model	NOUN
ajis02-3201	291	8	in	in	ADP
ajis02-3201	291	9	the	the	DET
ajis02-3201	291	10	post	post	ADJ
ajis02-3201	291	11	-	-	ADJ
ajis02-3201	291	12	pandemic	pandemic	ADJ
ajis02-3201	291	13	period	period	NOUN
ajis02-3201	291	14	and	and	CCONJ
ajis02-3201	291	15	compare	compare	VERB
ajis02-3201	291	16	the	the	DET
ajis02-3201	291	17	differences	difference	NOUN
ajis02-3201	291	18	in	in	ADP
ajis02-3201	291	19	the	the	DET
ajis02-3201	291	20	relative	relative	ADJ
ajis02-3201	291	21	importance	importance	NOUN
ajis02-3201	291	22	of	of	ADP
ajis02-3201	291	23	barriers	barrier	NOUN
ajis02-3201	291	24	.	.	PUNCT
ajis02-3201	292	1	if	if	SCONJ
ajis02-3201	292	2	any	any	DET
ajis02-3201	292	3	differences	difference	NOUN
ajis02-3201	292	4	are	be	AUX
ajis02-3201	292	5	uncovered	uncover	VERB
ajis02-3201	292	6	,	,	PUNCT
ajis02-3201	292	7	it	it	PRON
ajis02-3201	292	8	might	might	AUX
ajis02-3201	292	9	be	be	AUX
ajis02-3201	292	10	possible	possible	ADJ
ajis02-3201	292	11	to	to	PART
ajis02-3201	292	12	identify	identify	VERB
ajis02-3201	292	13	specific	specific	ADJ
ajis02-3201	292	14	barriers	barrier	NOUN
ajis02-3201	292	15	that	that	PRON
ajis02-3201	292	16	are	be	AUX
ajis02-3201	292	17	heightened	heighten	VERB
ajis02-3201	292	18	in	in	ADP
ajis02-3201	292	19	the	the	DET
ajis02-3201	292	20	presence	presence	NOUN
ajis02-3201	292	21	of	of	ADP
ajis02-3201	292	22	external	external	ADJ
ajis02-3201	292	23	stressors	stressor	NOUN
ajis02-3201	292	24	,	,	PUNCT
ajis02-3201	292	25	such	such	ADJ
ajis02-3201	292	26	as	as	ADP
ajis02-3201	292	27	a	a	DET
ajis02-3201	292	28	pandemic	pandemic	ADJ
ajis02-3201	292	29	.	.	PUNCT
ajis02-3201	293	1	references	reference	NOUN
ajis02-3201	293	2	abbas	abbas	PROPN
ajis02-3201	293	3	,	,	PUNCT
ajis02-3201	293	4	m.	m.	NOUN
ajis02-3201	293	5	,	,	PUNCT
ajis02-3201	293	6	nawaz	nawaz	NOUN
ajis02-3201	293	7	,	,	PUNCT
ajis02-3201	293	8	m	m	VERB
ajis02-3201	293	9	.s	.s	NOUN
ajis02-3201	293	10	.	.	PUNCT
ajis02-3201	293	11	,	,	PUNCT
ajis02-3201	293	12	ahmad	ahmad	PROPN
ajis02-3201	293	13	,	,	PUNCT
ajis02-3201	293	14	j.	j.	PROPN
ajis02-3201	293	15	,	,	PUNCT
ajis02-3201	293	16	&	&	CCONJ
ajis02-3201	293	17	ashraf	ashraf	PROPN
ajis02-3201	293	18	,	,	PUNCT
ajis02-3201	293	19	m.	m.	NOUN
ajis02-3201	293	20	(	(	PUNCT
ajis02-3201	293	21	2017	2017	NUM
ajis02-3201	293	22	)	)	PUNCT
ajis02-3201	293	23	.	.	PUNCT
ajis02-3201	294	1	the	the	DET
ajis02-3201	294	2	effect	effect	NOUN
ajis02-3201	294	3	of	of	ADP
ajis02-3201	294	4	innovation	innovation	NOUN
ajis02-3201	294	5	and	and	CCONJ
ajis02-3201	294	6	consumer	consumer	NOUN
ajis02-3201	294	7	-	-	PUNCT
ajis02-3201	294	8	related	relate	VERB
ajis02-3201	294	9	factors	factor	NOUN
ajis02-3201	294	10	on	on	ADP
ajis02-3201	294	11	consumer	consumer	NOUN
ajis02-3201	294	12	resistance	resistance	NOUN
ajis02-3201	294	13	to	to	ADP
ajis02-3201	294	14	innovation	innovation	NOUN
ajis02-3201	294	15	.	.	PUNCT
ajis02-3201	295	1	cogent	cogent	NOUN
ajis02-3201	295	2	business	business	PROPN
ajis02-3201	295	3	&	&	CCONJ
ajis02-3201	295	4	management	management	PROPN
ajis02-3201	295	5	,	,	PUNCT
ajis02-3201	295	6	4(1	4(1	NOUN
ajis02-3201	295	7	)	)	PUNCT
ajis02-3201	295	8	,	,	PUNCT
ajis02-3201	295	9	1312058	1312058	NUM
ajis02-3201	295	10	.	.	PUNCT
ajis02-3201	296	1	abd	abd	PROPN
ajis02-3201	296	2	alfadil	alfadil	PROPN
ajis02-3201	296	3	,	,	PUNCT
ajis02-3201	296	4	n.	n.	PROPN
ajis02-3201	296	5	a.	a.	PROPN
ajis02-3201	296	6	,	,	PUNCT
ajis02-3201	296	7	mohamed	mohamed	PROPN
ajis02-3201	296	8	,	,	PUNCT
ajis02-3201	296	9	m.	m.	PROPN
ajis02-3201	296	10	s.	s.	PROPN
ajis02-3201	296	11	,	,	PUNCT
ajis02-3201	296	12	ali	ali	PROPN
ajis02-3201	296	13	,	,	PUNCT
ajis02-3201	296	14	m.	m.	NOUN
ajis02-3201	296	15	m.	m.	NOUN
ajis02-3201	296	16	,	,	PUNCT
ajis02-3201	296	17	&	&	CCONJ
ajis02-3201	296	18	el	el	PROPN
ajis02-3201	296	19	nima	nima	PROPN
ajis02-3201	296	20	,	,	PUNCT
ajis02-3201	296	21	e.	e.	PROPN
ajis02-3201	296	22	a.	a.	PROPN
ajis02-3201	296	23	i.	i.	PROPN
ajis02-3201	296	24	(	(	PUNCT
ajis02-3201	296	25	2018	2018	NUM
ajis02-3201	296	26	)	)	PUNCT
ajis02-3201	296	27	.	.	PUNCT
ajis02-3201	297	1	characterization	characterization	NOUN
ajis02-3201	297	2	of	of	ADP
ajis02-3201	297	3	pathogenic	pathogenic	ADJ
ajis02-3201	297	4	bacteria	bacteria	NOUN
ajis02-3201	297	5	isolated	isolate	VERB
ajis02-3201	297	6	from	from	ADP
ajis02-3201	297	7	sudanese	sudanese	ADJ
ajis02-3201	297	8	banknotes	banknote	NOUN
ajis02-3201	297	9	and	and	CCONJ
ajis02-3201	297	10	determination	determination	NOUN
ajis02-3201	297	11	of	of	ADP
ajis02-3201	297	12	their	their	PRON
ajis02-3201	297	13	resistance	resistance	NOUN
ajis02-3201	297	14	profile	profile	NOUN
ajis02-3201	297	15	.	.	PUNCT
ajis02-3201	298	1	international	international	ADJ
ajis02-3201	298	2	journal	journal	PROPN
ajis02-3201	298	3	of	of	ADP
ajis02-3201	298	4	microbiology	microbiology	NOUN
ajis02-3201	298	5	,	,	PUNCT
ajis02-3201	298	6	2018	2018	NUM
ajis02-3201	298	7	,	,	PUNCT
ajis02-3201	298	8	1	1	NUM
ajis02-3201	298	9	-	-	SYM
ajis02-3201	298	10	7	7	NUM
ajis02-3201	298	11	.	.	PUNCT
ajis02-3201	299	1	bagozzi	bagozzi	PROPN
ajis02-3201	299	2	,	,	PUNCT
ajis02-3201	299	3	r.	r.	PROPN
ajis02-3201	299	4	p.	p.	PROPN
ajis02-3201	299	5	,	,	PUNCT
ajis02-3201	299	6	&	&	CCONJ
ajis02-3201	299	7	lee	lee	PROPN
ajis02-3201	299	8	,	,	PUNCT
ajis02-3201	299	9	k.	k.	PROPN
ajis02-3201	299	10	h.	h.	PROPN
ajis02-3201	299	11	(	(	PUNCT
ajis02-3201	299	12	1999	1999	NUM
ajis02-3201	299	13	)	)	PUNCT
ajis02-3201	299	14	.	.	PUNCT
ajis02-3201	300	1	consumer	consumer	NOUN
ajis02-3201	300	2	resistance	resistance	NOUN
ajis02-3201	300	3	to	to	ADP
ajis02-3201	300	4	,	,	PUNCT
ajis02-3201	300	5	and	and	CCONJ
ajis02-3201	300	6	acceptance	acceptance	NOUN
ajis02-3201	300	7	of	of	ADP
ajis02-3201	300	8	,	,	PUNCT
ajis02-3201	300	9	innovations	innovation	NOUN
ajis02-3201	300	10	.	.	PUNCT
ajis02-3201	301	1	advances	advance	NOUN
ajis02-3201	301	2	in	in	ADP
ajis02-3201	301	3	consumer	consumer	NOUN
ajis02-3201	301	4	research	research	NOUN
ajis02-3201	301	5	,	,	PUNCT
ajis02-3201	301	6	26(12	26(12	NUM
ajis02-3201	301	7	)	)	PUNCT
ajis02-3201	301	8	,	,	PUNCT
ajis02-3201	301	9	218	218	NUM
ajis02-3201	301	10	-	-	SYM
ajis02-3201	301	11	225	225	NUM
ajis02-3201	301	12	.	.	PUNCT
ajis02-3201	302	1	bepari	bepari	PROPN
ajis02-3201	302	2	,	,	PUNCT
ajis02-3201	302	3	s.	s.	PROPN
ajis02-3201	302	4	(	(	PUNCT
ajis02-3201	302	5	2019	2019	NUM
ajis02-3201	302	6	)	)	PUNCT
ajis02-3201	302	7	.	.	PUNCT
ajis02-3201	303	1	the	the	DET
ajis02-3201	303	2	number	number	NOUN
ajis02-3201	303	3	of	of	ADP
ajis02-3201	303	4	mobile	mobile	ADJ
ajis02-3201	303	5	wallet	wallet	NOUN
ajis02-3201	303	6	users	user	NOUN
ajis02-3201	303	7	grows	grow	VERB
ajis02-3201	303	8	by	by	ADP
ajis02-3201	303	9	140	140	NUM
ajis02-3201	303	10	million	million	NUM
ajis02-3201	303	11	per	per	ADP
ajis02-3201	303	12	year	year	NOUN
ajis02-3201	303	13	.	.	PUNCT
ajis02-3201	304	1	retrieved	retrieve	VERB
ajis02-3201	304	2	october	october	PROPN
ajis02-3201	304	3	23	23	NUM
ajis02-3201	304	4	,	,	PUNCT
ajis02-3201	304	5	2020	2020	NUM
ajis02-3201	304	6	from	from	ADP
ajis02-3201	304	7	:	:	PUNCT
ajis02-3201	304	8	https://www.fintechnews.org/the-number-of-mobile-walletusers-grows-by-140-million-per-year/	https://www.fintechnews.org/the-number-of-mobile-walletusers-grows-by-140-million-per-year/	PROPN
ajis02-3201	304	9	chatterjee	chatterjee	PROPN
ajis02-3201	304	10	,	,	PUNCT
ajis02-3201	304	11	d.	d.	PROPN
ajis02-3201	304	12	,	,	PUNCT
ajis02-3201	304	13	&	&	CCONJ
ajis02-3201	304	14	bolar	bolar	PROPN
ajis02-3201	304	15	,	,	PUNCT
ajis02-3201	304	16	k.	k.	PROPN
ajis02-3201	304	17	(	(	PUNCT
ajis02-3201	304	18	2019	2019	NUM
ajis02-3201	304	19	)	)	PUNCT
ajis02-3201	304	20	.	.	PUNCT
ajis02-3201	305	1	determinants	determinant	NOUN
ajis02-3201	305	2	of	of	ADP
ajis02-3201	305	3	mobile	mobile	ADJ
ajis02-3201	305	4	wallet	wallet	NOUN
ajis02-3201	305	5	intentions	intention	NOUN
ajis02-3201	305	6	to	to	PART
ajis02-3201	305	7	use	use	VERB
ajis02-3201	305	8	:	:	PUNCT
ajis02-3201	305	9	the	the	DET
ajis02-3201	305	10	mental	mental	ADJ
ajis02-3201	305	11	cost	cost	NOUN
ajis02-3201	305	12	perspective	perspective	NOUN
ajis02-3201	305	13	.	.	PUNCT
ajis02-3201	306	1	international	international	ADJ
ajis02-3201	306	2	journal	journal	PROPN
ajis02-3201	306	3	of	of	ADP
ajis02-3201	306	4	human	human	ADJ
ajis02-3201	306	5	-	-	PUNCT
ajis02-3201	306	6	computer	computer	NOUN
ajis02-3201	306	7	interaction	interaction	NOUN
ajis02-3201	306	8	,	,	PUNCT
ajis02-3201	306	9	35(10	35(10	NUM
ajis02-3201	306	10	)	)	PUNCT
ajis02-3201	306	11	,	,	PUNCT
ajis02-3201	306	12	859	859	NUM
ajis02-3201	306	13	-	-	SYM
ajis02-3201	306	14	869	869	NUM
ajis02-3201	306	15	.	.	PUNCT
ajis02-3201	307	1	chen	chen	PROPN
ajis02-3201	307	2	,	,	PUNCT
ajis02-3201	307	3	q.	q.	PROPN
ajis02-3201	307	4	,	,	PUNCT
ajis02-3201	307	5	lu	lu	PROPN
ajis02-3201	307	6	,	,	PUNCT
ajis02-3201	307	7	y.	y.	PROPN
ajis02-3201	307	8	,	,	PUNCT
ajis02-3201	307	9	gong	gong	PROPN
ajis02-3201	307	10	,	,	PUNCT
ajis02-3201	307	11	y.	y.	PROPN
ajis02-3201	307	12	(	(	PUNCT
ajis02-3201	307	13	yale	yale	PROPN
ajis02-3201	307	14	)	)	PUNCT
ajis02-3201	307	15	,	,	PUNCT
ajis02-3201	307	16	&	&	CCONJ
ajis02-3201	307	17	tang	tang	PROPN
ajis02-3201	307	18	,	,	PUNCT
ajis02-3201	307	19	q.	q.	PROPN
ajis02-3201	307	20	(	(	PUNCT
ajis02-3201	307	21	2019	2019	NUM
ajis02-3201	307	22	.	.	PUNCT
ajis02-3201	307	23	)	)	PUNCT
ajis02-3201	307	24	.	.	PUNCT
ajis02-3201	308	1	why	why	SCONJ
ajis02-3201	308	2	do	do	AUX
ajis02-3201	308	3	users	user	NOUN
ajis02-3201	308	4	resist	resist	VERB
ajis02-3201	308	5	service	service	NOUN
ajis02-3201	308	6	organization	organization	NOUN
ajis02-3201	308	7	's	's	PART
ajis02-3201	308	8	brand	brand	NOUN
ajis02-3201	308	9	mobile	mobile	ADJ
ajis02-3201	308	10	apps	app	NOUN
ajis02-3201	308	11	?	?	PUNCT
ajis02-3201	309	1	the	the	DET
ajis02-3201	309	2	force	force	NOUN
ajis02-3201	309	3	of	of	ADP
ajis02-3201	309	4	barriers	barrier	NOUN
ajis02-3201	309	5	versus	versus	ADP
ajis02-3201	309	6	cross	cross	ADJ
ajis02-3201	309	7	-	-	ADJ
ajis02-3201	309	8	channel	channel	ADJ
ajis02-3201	309	9	synergy	synergy	NOUN
ajis02-3201	309	10	.	.	PUNCT
ajis02-3201	310	1	international	international	ADJ
ajis02-3201	310	2	journal	journal	PROPN
ajis02-3201	310	3	of	of	ADP
ajis02-3201	310	4	information	information	NOUN
ajis02-3201	310	5	management	management	NOUN
ajis02-3201	310	6	,	,	PUNCT
ajis02-3201	310	7	47	47	NUM
ajis02-3201	310	8	,	,	PUNCT
ajis02-3201	310	9	274	274	NUM
ajis02-3201	310	10	-	-	SYM
ajis02-3201	310	11	282	282	NUM
ajis02-3201	310	12	.	.	PUNCT
ajis02-3201	311	1	claudy	claudy	PROPN
ajis02-3201	311	2	,	,	PUNCT
ajis02-3201	311	3	m.	m.	PROPN
ajis02-3201	311	4	c.	c.	PROPN
ajis02-3201	311	5	,	,	PUNCT
ajis02-3201	311	6	garcia	garcia	PROPN
ajis02-3201	311	7	,	,	PUNCT
ajis02-3201	311	8	r.	r.	PROPN
ajis02-3201	311	9	,	,	PUNCT
ajis02-3201	311	10	&	&	CCONJ
ajis02-3201	311	11	o'driscoll	o'driscoll	PROPN
ajis02-3201	311	12	,	,	PUNCT
ajis02-3201	311	13	a.	a.	NOUN
ajis02-3201	311	14	(	(	PUNCT
ajis02-3201	311	15	2015	2015	NUM
ajis02-3201	311	16	)	)	PUNCT
ajis02-3201	311	17	.	.	PUNCT
ajis02-3201	312	1	consumer	consumer	NOUN
ajis02-3201	312	2	resistance	resistance	NOUN
ajis02-3201	312	3	to	to	ADP
ajis02-3201	312	4	innovation	innovation	NOUN
ajis02-3201	312	5	—	—	PUNCT
ajis02-3201	312	6	a	a	DET
ajis02-3201	312	7	behavioral	behavioral	ADJ
ajis02-3201	312	8	reasoning	reasoning	NOUN
ajis02-3201	312	9	perspective	perspective	NOUN
ajis02-3201	312	10	.	.	PUNCT
ajis02-3201	313	1	journal	journal	NOUN
ajis02-3201	313	2	of	of	ADP
ajis02-3201	313	3	the	the	DET
ajis02-3201	313	4	academy	academy	NOUN
ajis02-3201	313	5	of	of	ADP
ajis02-3201	313	6	marketing	marketing	NOUN
ajis02-3201	313	7	science	science	NOUN
ajis02-3201	313	8	,	,	PUNCT
ajis02-3201	313	9	43(4	43(4	NOUN
ajis02-3201	313	10	)	)	PUNCT
ajis02-3201	313	11	,	,	PUNCT
ajis02-3201	313	12	528544	528544	NUM
ajis02-3201	313	13	.	.	PUNCT
ajis02-3201	314	1	claudy	claudy	PROPN
ajis02-3201	314	2	,	,	PUNCT
ajis02-3201	314	3	m.	m.	NOUN
ajis02-3201	314	4	,	,	PUNCT
ajis02-3201	314	5	o'driscoll	o'driscoll	PROPN
ajis02-3201	314	6	,	,	PUNCT
ajis02-3201	314	7	a.	a.	PROPN
ajis02-3201	314	8	,	,	PUNCT
ajis02-3201	314	9	garcia	garcia	PROPN
ajis02-3201	314	10	,	,	PUNCT
ajis02-3201	314	11	r.	r.	PROPN
ajis02-3201	314	12	,	,	PUNCT
ajis02-3201	314	13	&	&	CCONJ
ajis02-3201	314	14	mullen	mullen	PROPN
ajis02-3201	314	15	,	,	PUNCT
ajis02-3201	314	16	m.	m.	NOUN
ajis02-3201	314	17	(	(	PUNCT
ajis02-3201	314	18	2010	2010	NUM
ajis02-3201	314	19	)	)	PUNCT
ajis02-3201	314	20	.	.	PUNCT
ajis02-3201	315	1	consumer	consumer	NOUN
ajis02-3201	315	2	resistance	resistance	NOUN
ajis02-3201	315	3	to	to	ADP
ajis02-3201	315	4	green	green	ADJ
ajis02-3201	315	5	innovations	innovation	NOUN
ajis02-3201	315	6	:	:	PUNCT
ajis02-3201	315	7	developing	develop	VERB
ajis02-3201	315	8	a	a	DET
ajis02-3201	315	9	new	new	ADJ
ajis02-3201	315	10	scale	scale	NOUN
ajis02-3201	315	11	and	and	CCONJ
ajis02-3201	315	12	an	an	DET
ajis02-3201	315	13	underlying	underlie	VERB
ajis02-3201	315	14	framework	framework	NOUN
ajis02-3201	315	15	.	.	PUNCT
ajis02-3201	316	1	in	in	ADP
ajis02-3201	316	2	35th	35th	ADJ
ajis02-3201	316	3	macromarketing	macromarkete	VERB
ajis02-3201	316	4	conference	conference	NOUN
ajis02-3201	316	5	,	,	PUNCT
ajis02-3201	316	6	wyoming	wyoming	PROPN
ajis02-3201	316	7	,	,	PUNCT
ajis02-3201	316	8	usa	usa	PROPN
ajis02-3201	316	9	.	.	PROPN
ajis02-3201	316	10	cornescu	cornescu	PROPN
ajis02-3201	316	11	,	,	PUNCT
ajis02-3201	316	12	v.	v.	PROPN
ajis02-3201	316	13	,	,	PUNCT
ajis02-3201	316	14	&	&	CCONJ
ajis02-3201	316	15	adam	adam	PROPN
ajis02-3201	316	16	,	,	PUNCT
ajis02-3201	316	17	c.	c.	PROPN
ajis02-3201	316	18	r.	r.	PROPN
ajis02-3201	316	19	(	(	PUNCT
ajis02-3201	316	20	2013	2013	NUM
ajis02-3201	316	21	)	)	PUNCT
ajis02-3201	316	22	.	.	PUNCT
ajis02-3201	317	1	the	the	DET
ajis02-3201	317	2	consumer	consumer	NOUN
ajis02-3201	317	3	resistance	resistance	NOUN
ajis02-3201	317	4	behavior	behavior	NOUN
ajis02-3201	317	5	towards	towards	ADP
ajis02-3201	317	6	innovation	innovation	NOUN
ajis02-3201	317	7	.	.	PUNCT
ajis02-3201	318	1	procedia	procedia	NOUN
ajis02-3201	318	2	economics	economic	NOUN
ajis02-3201	318	3	and	and	CCONJ
ajis02-3201	318	4	finance	finance	NOUN
ajis02-3201	318	5	,	,	PUNCT
ajis02-3201	318	6	6	6	NUM
ajis02-3201	318	7	,	,	PUNCT
ajis02-3201	318	8	457–465	457–465	NUM
ajis02-3201	318	9	.	.	PUNCT
ajis02-3201	319	1	doremalen	doremalen	PROPN
ajis02-3201	319	2	,	,	PUNCT
ajis02-3201	319	3	n.	n.	PROPN
ajis02-3201	319	4	v.	v.	PROPN
ajis02-3201	319	5	,	,	PUNCT
ajis02-3201	319	6	morris	morris	PROPN
ajis02-3201	319	7	,	,	PUNCT
ajis02-3201	319	8	d.	d.	PROPN
ajis02-3201	319	9	h.	h.	PROPN
ajis02-3201	319	10	,	,	PUNCT
ajis02-3201	319	11	holbrook	holbrook	PROPN
ajis02-3201	319	12	,	,	PUNCT
ajis02-3201	319	13	m.	m.	NOUN
ajis02-3201	319	14	g.	g.	PROPN
ajis02-3201	319	15	,	,	PUNCT
ajis02-3201	319	16	gamble	gamble	NOUN
ajis02-3201	319	17	,	,	PUNCT
ajis02-3201	319	18	a.	a.	NOUN
ajis02-3201	319	19	,	,	PUNCT
ajis02-3201	319	20	williamson	williamson	PROPN
ajis02-3201	319	21	,	,	PUNCT
ajis02-3201	319	22	b.	b.	PROPN
ajis02-3201	319	23	n.	n.	PROPN
ajis02-3201	319	24	,	,	PUNCT
ajis02-3201	319	25	tamin	tamin	PROPN
ajis02-3201	319	26	,	,	PUNCT
ajis02-3201	319	27	a.	a.	NOUN
ajis02-3201	319	28	,	,	PUNCT
ajis02-3201	319	29	harcourt	harcourt	PROPN
ajis02-3201	319	30	,	,	PUNCT
ajis02-3201	319	31	j.	j.	PROPN
ajis02-3201	319	32	l.	l.	PROPN
ajis02-3201	319	33	,	,	PUNCT
ajis02-3201	319	34	thornburg	thornburg	PROPN
ajis02-3201	319	35	,	,	PUNCT
ajis02-3201	319	36	n.	n.	PROPN
ajis02-3201	319	37	j.	j.	PROPN
ajis02-3201	319	38	,	,	PUNCT
ajis02-3201	319	39	gerber	gerber	PROPN
ajis02-3201	319	40	,	,	PUNCT
ajis02-3201	319	41	s.	s.	PROPN
ajis02-3201	319	42	i.	i.	PROPN
ajis02-3201	319	43	,	,	PUNCT
ajis02-3201	319	44	lloyd	lloyd	PROPN
ajis02-3201	319	45	-	-	PUNCT
ajis02-3201	319	46	smith	smith	PROPN
ajis02-3201	319	47	,	,	PUNCT
ajis02-3201	319	48	j.	j.	PROPN
ajis02-3201	319	49	o.	o.	PROPN
ajis02-3201	319	50	,	,	PUNCT
ajis02-3201	319	51	wit	wit	PROPN
ajis02-3201	319	52	,	,	PUNCT
ajis02-3201	319	53	e.	e.	PROPN
ajis02-3201	319	54	d.	d.	PROPN
ajis02-3201	319	55	,	,	PUNCT
ajis02-3201	319	56	&	&	CCONJ
ajis02-3201	319	57	munster	munster	PROPN
ajis02-3201	319	58	,	,	PUNCT
ajis02-3201	319	59	v.	v.	ADP
ajis02-3201	319	60	j.	j.	PROPN
ajis02-3201	319	61	(	(	PUNCT
ajis02-3201	319	62	2020	2020	NUM
ajis02-3201	319	63	)	)	PUNCT
ajis02-3201	319	64	.	.	PUNCT
ajis02-3201	320	1	aerosol	aerosol	NOUN
ajis02-3201	320	2	and	and	CCONJ
ajis02-3201	320	3	surface	surface	NOUN
ajis02-3201	320	4	stability	stability	NOUN
ajis02-3201	320	5	of	of	ADP
ajis02-3201	320	6	sars	sar	NOUN
ajis02-3201	320	7	-	-	PUNCT
ajis02-3201	320	8	cov-2	cov-2	PART
ajis02-3201	320	9	as	as	SCONJ
ajis02-3201	320	10	compared	compare	VERB
ajis02-3201	320	11	with	with	ADP
ajis02-3201	320	12	sars	sar	NOUN
ajis02-3201	320	13	-	-	PUNCT
ajis02-3201	320	14	cov1	cov1	PROPN
ajis02-3201	320	15	.	.	PUNCT
ajis02-3201	321	1	the	the	DET
ajis02-3201	321	2	new	new	PROPN
ajis02-3201	321	3	england	england	PROPN
ajis02-3201	321	4	journal	journal	PROPN
ajis02-3201	321	5	of	of	ADP
ajis02-3201	321	6	medicine	medicine	NOUN
ajis02-3201	321	7	,	,	PUNCT
ajis02-3201	321	8	382(16	382(16	NUM
ajis02-3201	321	9	)	)	PUNCT
ajis02-3201	321	10	,	,	PUNCT
ajis02-3201	321	11	1	1	NUM
ajis02-3201	321	12	-	-	SYM
ajis02-3201	321	13	4	4	NUM
ajis02-3201	321	14	.	.	PUNCT
ajis02-3201	321	15	dickerson	dickerson	PROPN
ajis02-3201	321	16	,	,	PUNCT
ajis02-3201	321	17	m.	m.	NOUN
ajis02-3201	321	18	s.	s.	PROPN
ajis02-3201	321	19	,	,	PUNCT
ajis02-3201	321	20	&	&	CCONJ
ajis02-3201	321	21	gentry	gentry	NOUN
ajis02-3201	321	22	,	,	PUNCT
ajis02-3201	321	23	j.	j.	PROPN
ajis02-3201	321	24	w.	w.	PROPN
ajis02-3201	321	25	(	(	PUNCT
ajis02-3201	321	26	1983	1983	NUM
ajis02-3201	321	27	)	)	PUNCT
ajis02-3201	321	28	.	.	PUNCT
ajis02-3201	322	1	characteristics	characteristic	NOUN
ajis02-3201	322	2	of	of	ADP
ajis02-3201	322	3	adopters	adopter	NOUN
ajis02-3201	322	4	and	and	CCONJ
ajis02-3201	322	5	non	non	NOUN
ajis02-3201	322	6	-	-	NOUN
ajis02-3201	322	7	adopters	adopter	NOUN
ajis02-3201	322	8	of	of	ADP
ajis02-3201	322	9	home	home	NOUN
ajis02-3201	322	10	computers	computer	NOUN
ajis02-3201	322	11	.	.	PUNCT
ajis02-3201	323	1	the	the	DET
ajis02-3201	323	2	journal	journal	NOUN
ajis02-3201	323	3	of	of	ADP
ajis02-3201	323	4	consumer	consumer	NOUN
ajis02-3201	323	5	research	research	NOUN
ajis02-3201	323	6	,	,	PUNCT
ajis02-3201	323	7	10(2	10(2	NUM
ajis02-3201	323	8	)	)	PUNCT
ajis02-3201	323	9	,	,	PUNCT
ajis02-3201	323	10	225	225	NUM
ajis02-3201	323	11	-	-	SYM
ajis02-3201	323	12	235	235	NUM
ajis02-3201	323	13	.	.	PUNCT
ajis02-3201	323	14	etgovernment	etgovernment	NOUN
ajis02-3201	323	15	.	.	PUNCT
ajis02-3201	324	1	(	(	PUNCT
ajis02-3201	324	2	2020	2020	NUM
ajis02-3201	324	3	)	)	PUNCT
ajis02-3201	324	4	.	.	PUNCT
ajis02-3201	325	1	digital	digital	ADJ
ajis02-3201	325	2	payments	payment	NOUN
ajis02-3201	325	3	swell	swell	VERB
ajis02-3201	325	4	as	as	SCONJ
ajis02-3201	325	5	42	42	NUM
ajis02-3201	325	6	%	%	NOUN
ajis02-3201	325	7	indians	indian	NOUN
ajis02-3201	325	8	make	make	VERB
ajis02-3201	325	9	multiple	multiple	ADJ
ajis02-3201	325	10	online	online	ADJ
ajis02-3201	325	11	payments	payment	NOUN
ajis02-3201	325	12	during	during	ADP
ajis02-3201	325	13	covid-19	covid-19	PROPN
ajis02-3201	325	14	lockdown	lockdown	NOUN
ajis02-3201	325	15	.	.	PUNCT
ajis02-3201	326	1	retrieved	retrieve	VERB
ajis02-3201	326	2	october	october	PROPN
ajis02-3201	326	3	23	23	NUM
ajis02-3201	326	4	,	,	PUNCT
ajis02-3201	326	5	2020	2020	NUM
ajis02-3201	326	6	,	,	PUNCT
ajis02-3201	326	7	from	from	ADP
ajis02-3201	326	8	australasian	australasian	ADJ
ajis02-3201	326	9	journal	journal	NOUN
ajis02-3201	326	10	of	of	ADP
ajis02-3201	326	11	information	information	NOUN
ajis02-3201	326	12	systems	system	NOUN
ajis02-3201	326	13	talwar	talwar	PROPN
ajis02-3201	326	14	et	et	PROPN
ajis02-3201	326	15	al	al	PROPN
ajis02-3201	326	16	.	.	PROPN
ajis02-3201	326	17	2021	2021	NUM
ajis02-3201	326	18	,	,	PUNCT
ajis02-3201	326	19	vol	vol	NOUN
ajis02-3201	326	20	25	25	NUM
ajis02-3201	326	21	,	,	PUNCT
ajis02-3201	326	22	research	research	NOUN
ajis02-3201	326	23	on	on	ADP
ajis02-3201	326	24	evaluation	evaluation	NOUN
ajis02-3201	326	25	a	a	DET
ajis02-3201	326	26	study	study	NOUN
ajis02-3201	326	27	of	of	ADP
ajis02-3201	326	28	mobile	mobile	ADJ
ajis02-3201	326	29	payment	payment	NOUN
ajis02-3201	326	30	innovations	innovation	NOUN
ajis02-3201	326	31	of	of	ADP
ajis02-3201	326	32	mobile	mobile	ADJ
ajis02-3201	326	33	applications	application	NOUN
ajis02-3201	326	34	21	21	NUM
ajis02-3201	326	35	https://government.economictimes.indiatimes.com/news/digital-payments/digitalpayments-swell-as-42-indians-make-multiple-online-payments-during-covid-19lockdown/75172943	https://government.economictimes.indiatimes.com/news/digital-payments/digitalpayments-swell-as-42-indians-make-multiple-online-payments-during-covid-19lockdown/75172943	NOUN
ajis02-3201	326	36	.	.	PUNCT
ajis02-3201	327	1	elbadrawy	elbadrawy	PROPN
ajis02-3201	327	2	,	,	PUNCT
ajis02-3201	327	3	r.	r.	PROPN
ajis02-3201	327	4	,	,	PUNCT
ajis02-3201	327	5	&	&	CCONJ
ajis02-3201	327	6	aziz	aziz	PROPN
ajis02-3201	327	7	,	,	PUNCT
ajis02-3201	327	8	r.	r.	PROPN
ajis02-3201	327	9	a.	a.	PROPN
ajis02-3201	327	10	(	(	PUNCT
ajis02-3201	327	11	2011	2011	NUM
ajis02-3201	327	12	)	)	PUNCT
ajis02-3201	327	13	.	.	PUNCT
ajis02-3201	328	1	resistance	resistance	NOUN
ajis02-3201	328	2	to	to	ADP
ajis02-3201	328	3	mobile	mobile	ADJ
ajis02-3201	328	4	banking	banking	NOUN
ajis02-3201	328	5	adoption	adoption	NOUN
ajis02-3201	328	6	in	in	ADP
ajis02-3201	328	7	egypt	egypt	PROPN
ajis02-3201	328	8	:	:	PUNCT
ajis02-3201	328	9	a	a	DET
ajis02-3201	328	10	cultural	cultural	ADJ
ajis02-3201	328	11	perspective	perspective	NOUN
ajis02-3201	328	12	.	.	PUNCT
ajis02-3201	329	1	international	international	ADJ
ajis02-3201	329	2	journal	journal	NOUN
ajis02-3201	329	3	of	of	ADP
ajis02-3201	329	4	managing	manage	VERB
ajis02-3201	329	5	information	information	NOUN
ajis02-3201	329	6	technology	technology	NOUN
ajis02-3201	329	7	,	,	PUNCT
ajis02-3201	329	8	3(4	3(4	NUM
ajis02-3201	329	9	)	)	PUNCT
ajis02-3201	329	10	,	,	PUNCT
ajis02-3201	329	11	9	9	NUM
ajis02-3201	329	12	-	-	SYM
ajis02-3201	329	13	21	21	NUM
ajis02-3201	329	14	.	.	PUNCT
ajis02-3201	329	15	fang	fang	PROPN
ajis02-3201	329	16	,	,	PUNCT
ajis02-3201	329	17	y.	y.	PROPN
ajis02-3201	329	18	,	,	PUNCT
ajis02-3201	329	19	nie	nie	PROPN
ajis02-3201	329	20	,	,	PUNCT
ajis02-3201	329	21	y.	y.	PROPN
ajis02-3201	329	22	,	,	PUNCT
ajis02-3201	329	23	&	&	CCONJ
ajis02-3201	329	24	penny	penny	NOUN
ajis02-3201	329	25	,	,	PUNCT
ajis02-3201	329	26	m.	m.	NOUN
ajis02-3201	329	27	(	(	PUNCT
ajis02-3201	329	28	2020	2020	NUM
ajis02-3201	329	29	)	)	PUNCT
ajis02-3201	329	30	.	.	PUNCT
ajis02-3201	330	1	transmission	transmission	NOUN
ajis02-3201	330	2	dynamics	dynamic	NOUN
ajis02-3201	330	3	of	of	ADP
ajis02-3201	330	4	the	the	DET
ajis02-3201	330	5	covid-19	covid-19	PROPN
ajis02-3201	330	6	outbreak	outbreak	NOUN
ajis02-3201	330	7	and	and	CCONJ
ajis02-3201	330	8	effectiveness	effectiveness	NOUN
ajis02-3201	330	9	of	of	ADP
ajis02-3201	330	10	government	government	NOUN
ajis02-3201	330	11	interventions	intervention	NOUN
ajis02-3201	330	12	:	:	PUNCT
ajis02-3201	330	13	a	a	DET
ajis02-3201	330	14	data	data	NOUN
ajis02-3201	330	15	-	-	PUNCT
ajis02-3201	330	16	driven	drive	VERB
ajis02-3201	330	17	analysis	analysis	NOUN
ajis02-3201	330	18	.	.	PUNCT
ajis02-3201	331	1	journal	journal	PROPN
ajis02-3201	331	2	of	of	ADP
ajis02-3201	331	3	medical	medical	ADJ
ajis02-3201	331	4	virology	virology	NOUN
ajis02-3201	331	5	,	,	PUNCT
ajis02-3201	331	6	92(6	92(6	NOUN
ajis02-3201	331	7	)	)	PUNCT
ajis02-3201	331	8	,	,	PUNCT
ajis02-3201	331	9	645–659	645–659	NUM
ajis02-3201	331	10	.	.	PUNCT
ajis02-3201	331	11	fujiki	fujiki	PROPN
ajis02-3201	331	12	,	,	PUNCT
ajis02-3201	331	13	h.	h.	PROPN
ajis02-3201	331	14	(	(	PUNCT
ajis02-3201	331	15	2020	2020	NUM
ajis02-3201	331	16	)	)	PUNCT
ajis02-3201	331	17	.	.	PUNCT
ajis02-3201	332	1	the	the	DET
ajis02-3201	332	2	use	use	NOUN
ajis02-3201	332	3	of	of	ADP
ajis02-3201	332	4	noncash	noncash	NOUN
ajis02-3201	332	5	payment	payment	NOUN
ajis02-3201	332	6	methods	method	NOUN
ajis02-3201	332	7	for	for	ADP
ajis02-3201	332	8	regular	regular	ADJ
ajis02-3201	332	9	payments	payment	NOUN
ajis02-3201	332	10	and	and	CCONJ
ajis02-3201	332	11	the	the	DET
ajis02-3201	332	12	household	household	NOUN
ajis02-3201	332	13	demand	demand	NOUN
ajis02-3201	332	14	for	for	ADP
ajis02-3201	332	15	cash	cash	NOUN
ajis02-3201	332	16	:	:	PUNCT
ajis02-3201	332	17	evidence	evidence	NOUN
ajis02-3201	332	18	from	from	ADP
ajis02-3201	332	19	japan	japan	PROPN
ajis02-3201	332	20	.	.	PUNCT
ajis02-3201	333	1	the	the	DET
ajis02-3201	333	2	japanese	japanese	ADJ
ajis02-3201	333	3	economic	economic	PROPN
ajis02-3201	333	4	review	review	NOUN
ajis02-3201	333	5	,	,	PUNCT
ajis02-3201	333	6	71	71	NUM
ajis02-3201	333	7	,	,	PUNCT
ajis02-3201	333	8	719	719	NUM
ajis02-3201	333	9	-	-	SYM
ajis02-3201	333	10	765	765	NUM
ajis02-3201	333	11	.	.	PUNCT
ajis02-3201	334	1	gao	gao	PROPN
ajis02-3201	334	2	,	,	PUNCT
ajis02-3201	334	3	l.	l.	PROPN
ajis02-3201	334	4	,	,	PUNCT
ajis02-3201	334	5	&	&	CCONJ
ajis02-3201	334	6	waechter	waechter	NOUN
ajis02-3201	334	7	,	,	PUNCT
ajis02-3201	334	8	k.	k.	PROPN
ajis02-3201	334	9	a.	a.	PROPN
ajis02-3201	334	10	(	(	PUNCT
ajis02-3201	334	11	2017	2017	NUM
ajis02-3201	334	12	)	)	PUNCT
ajis02-3201	334	13	.	.	PUNCT
ajis02-3201	335	1	examining	examine	VERB
ajis02-3201	335	2	the	the	DET
ajis02-3201	335	3	role	role	NOUN
ajis02-3201	335	4	of	of	ADP
ajis02-3201	335	5	initial	initial	ADJ
ajis02-3201	335	6	trust	trust	NOUN
ajis02-3201	335	7	in	in	ADP
ajis02-3201	335	8	user	user	NOUN
ajis02-3201	335	9	adoption	adoption	NOUN
ajis02-3201	335	10	of	of	ADP
ajis02-3201	335	11	mobile	mobile	ADJ
ajis02-3201	335	12	payment	payment	NOUN
ajis02-3201	335	13	services	service	NOUN
ajis02-3201	335	14	:	:	PUNCT
ajis02-3201	335	15	an	an	DET
ajis02-3201	335	16	empirical	empirical	ADJ
ajis02-3201	335	17	investigation	investigation	NOUN
ajis02-3201	335	18	.	.	PUNCT
ajis02-3201	336	1	information	information	NOUN
ajis02-3201	336	2	systems	system	NOUN
ajis02-3201	336	3	frontiers	frontier	NOUN
ajis02-3201	336	4	,	,	PUNCT
ajis02-3201	336	5	19(3	19(3	NUM
ajis02-3201	336	6	)	)	PUNCT
ajis02-3201	336	7	,	,	PUNCT
ajis02-3201	336	8	525548	525548	NUM
ajis02-3201	336	9	.	.	PUNCT
ajis02-3201	337	1	ganiere	ganiere	NOUN
ajis02-3201	337	2	,	,	PUNCT
ajis02-3201	337	3	p.	p.	NOUN
ajis02-3201	337	4	,	,	PUNCT
ajis02-3201	337	5	chern	chern	PROPN
ajis02-3201	337	6	,	,	PUNCT
ajis02-3201	337	7	w.	w.	PROPN
ajis02-3201	337	8	,	,	PUNCT
ajis02-3201	337	9	hahn	hahn	PROPN
ajis02-3201	337	10	,	,	PUNCT
ajis02-3201	337	11	d.	d.	PROPN
ajis02-3201	337	12	,	,	PUNCT
ajis02-3201	337	13	&	&	CCONJ
ajis02-3201	337	14	chiang	chiang	PROPN
ajis02-3201	337	15	,	,	PUNCT
ajis02-3201	337	16	f.	f.	PROPN
ajis02-3201	337	17	s.	s.	PROPN
ajis02-3201	337	18	(	(	PUNCT
ajis02-3201	337	19	2004	2004	NUM
ajis02-3201	337	20	)	)	PUNCT
ajis02-3201	337	21	.	.	PUNCT
ajis02-3201	338	1	consumer	consumer	NOUN
ajis02-3201	338	2	attitudes	attitude	NOUN
ajis02-3201	338	3	towards	towards	ADP
ajis02-3201	338	4	genetically	genetically	ADV
ajis02-3201	338	5	modified	modify	VERB
ajis02-3201	338	6	foods	food	NOUN
ajis02-3201	338	7	in	in	ADP
ajis02-3201	338	8	emerging	emerge	VERB
ajis02-3201	338	9	markets	market	NOUN
ajis02-3201	338	10	:	:	PUNCT
ajis02-3201	338	11	the	the	DET
ajis02-3201	338	12	impact	impact	NOUN
ajis02-3201	338	13	of	of	ADP
ajis02-3201	338	14	labeling	labeling	NOUN
ajis02-3201	338	15	in	in	ADP
ajis02-3201	338	16	taiwan	taiwan	PROPN
ajis02-3201	338	17	.	.	PUNCT
ajis02-3201	339	1	the	the	DET
ajis02-3201	339	2	international	international	ADJ
ajis02-3201	339	3	food	food	NOUN
ajis02-3201	339	4	and	and	CCONJ
ajis02-3201	339	5	agribusiness	agribusiness	PROPN
ajis02-3201	339	6	management	management	PROPN
ajis02-3201	339	7	review	review	NOUN
ajis02-3201	339	8	,	,	PUNCT
ajis02-3201	339	9	7(3	7(3	NUM
ajis02-3201	339	10	)	)	PUNCT
ajis02-3201	339	11	,	,	PUNCT
ajis02-3201	339	12	1–20	1–20	PROPN
ajis02-3201	339	13	.	.	PUNCT
ajis02-3201	339	14	gatignon	gatignon	PROPN
ajis02-3201	339	15	,	,	PUNCT
ajis02-3201	339	16	h.	h.	PROPN
ajis02-3201	339	17	,	,	PUNCT
ajis02-3201	339	18	&	&	CCONJ
ajis02-3201	339	19	robertson	robertson	PROPN
ajis02-3201	339	20	,	,	PUNCT
ajis02-3201	339	21	t.	t.	PROPN
ajis02-3201	339	22	s.	s.	PROPN
ajis02-3201	339	23	(	(	PUNCT
ajis02-3201	339	24	1989	1989	NUM
ajis02-3201	339	25	)	)	PUNCT
ajis02-3201	339	26	.	.	PUNCT
ajis02-3201	340	1	technology	technology	NOUN
ajis02-3201	340	2	diffusion	diffusion	NOUN
ajis02-3201	340	3	:	:	PUNCT
ajis02-3201	340	4	an	an	DET
ajis02-3201	340	5	empirical	empirical	ADJ
ajis02-3201	340	6	test	test	NOUN
ajis02-3201	340	7	of	of	ADP
ajis02-3201	340	8	competitive	competitive	ADJ
ajis02-3201	340	9	effects	effect	NOUN
ajis02-3201	340	10	.	.	PUNCT
ajis02-3201	341	1	journal	journal	NOUN
ajis02-3201	341	2	of	of	ADP
ajis02-3201	341	3	marketing	marketing	NOUN
ajis02-3201	341	4	,	,	PUNCT
ajis02-3201	341	5	53(9	53(9	NOUN
ajis02-3201	341	6	)	)	PUNCT
ajis02-3201	341	7	,	,	PUNCT
ajis02-3201	341	8	35	35	NUM
ajis02-3201	341	9	-	-	SYM
ajis02-3201	341	10	49	49	NUM
ajis02-3201	341	11	.	.	PUNCT
ajis02-3201	342	1	gupta	gupta	PROPN
ajis02-3201	342	2	,	,	PUNCT
ajis02-3201	342	3	a.	a.	PROPN
ajis02-3201	342	4	,	,	PUNCT
ajis02-3201	342	5	&	&	CCONJ
ajis02-3201	342	6	arora	arora	PROPN
ajis02-3201	342	7	,	,	PUNCT
ajis02-3201	342	8	n.	n.	PROPN
ajis02-3201	342	9	(	(	PUNCT
ajis02-3201	342	10	2017	2017	NUM
ajis02-3201	342	11	)	)	PUNCT
ajis02-3201	342	12	.	.	PUNCT
ajis02-3201	343	1	understanding	understand	VERB
ajis02-3201	343	2	determinants	determinant	NOUN
ajis02-3201	343	3	and	and	CCONJ
ajis02-3201	343	4	barriers	barrier	NOUN
ajis02-3201	343	5	of	of	ADP
ajis02-3201	343	6	mobile	mobile	ADJ
ajis02-3201	343	7	shopping	shopping	NOUN
ajis02-3201	343	8	adoption	adoption	NOUN
ajis02-3201	343	9	using	use	VERB
ajis02-3201	343	10	behavioral	behavioral	ADJ
ajis02-3201	343	11	reasoning	reasoning	NOUN
ajis02-3201	343	12	theory	theory	NOUN
ajis02-3201	343	13	.	.	PUNCT
ajis02-3201	344	1	journal	journal	NOUN
ajis02-3201	344	2	of	of	ADP
ajis02-3201	344	3	retailing	retailing	NOUN
ajis02-3201	344	4	and	and	CCONJ
ajis02-3201	344	5	consumer	consumer	NOUN
ajis02-3201	344	6	services	service	NOUN
ajis02-3201	344	7	,	,	PUNCT
ajis02-3201	344	8	36	36	NUM
ajis02-3201	344	9	,	,	PUNCT
ajis02-3201	344	10	1–7	1–7	NUM
ajis02-3201	344	11	.	.	PUNCT
ajis02-3201	344	12	gurtner	gurtner	NOUN
ajis02-3201	344	13	,	,	PUNCT
ajis02-3201	344	14	s.	s.	PROPN
ajis02-3201	344	15	(	(	PUNCT
ajis02-3201	344	16	2014	2014	NUM
ajis02-3201	344	17	)	)	PUNCT
ajis02-3201	344	18	.	.	PUNCT
ajis02-3201	345	1	modelling	model	VERB
ajis02-3201	345	2	consumer	consumer	NOUN
ajis02-3201	345	3	resistance	resistance	NOUN
ajis02-3201	345	4	to	to	ADP
ajis02-3201	345	5	mobile	mobile	ADJ
ajis02-3201	345	6	health	health	NOUN
ajis02-3201	345	7	applications	application	NOUN
ajis02-3201	345	8	.	.	PUNCT
ajis02-3201	346	1	ecis	ecis	PROPN
ajis02-3201	346	2	2014	2014	NUM
ajis02-3201	346	3	proceedings	proceeding	NOUN
ajis02-3201	346	4	–	–	PUNCT
ajis02-3201	346	5	22nd	22nd	NUM
ajis02-3201	346	6	european	european	ADJ
ajis02-3201	346	7	conference	conference	NOUN
ajis02-3201	346	8	on	on	ADP
ajis02-3201	346	9	information	information	NOUN
ajis02-3201	346	10	systems	system	NOUN
ajis02-3201	346	11	,	,	PUNCT
ajis02-3201	346	12	tel	tel	PROPN
ajis02-3201	346	13	aviv	aviv	PROPN
ajis02-3201	346	14	,	,	PUNCT
ajis02-3201	346	15	israel	israel	PROPN
ajis02-3201	346	16	.	.	PUNCT
ajis02-3201	347	1	hair	hair	PROPN
ajis02-3201	347	2	,	,	PUNCT
ajis02-3201	347	3	j.	j.	PROPN
ajis02-3201	347	4	f.	f.	PROPN
ajis02-3201	347	5	,	,	PUNCT
ajis02-3201	347	6	black	black	PROPN
ajis02-3201	347	7	,	,	PUNCT
ajis02-3201	347	8	w.	w.	PROPN
ajis02-3201	347	9	c.	c.	PROPN
ajis02-3201	347	10	,	,	PUNCT
ajis02-3201	347	11	babin	babin	PROPN
ajis02-3201	347	12	,	,	PUNCT
ajis02-3201	347	13	b.	b.	PROPN
ajis02-3201	347	14	j.	j.	PROPN
ajis02-3201	347	15	,	,	PUNCT
ajis02-3201	347	16	&	&	CCONJ
ajis02-3201	347	17	anderson	anderson	PROPN
ajis02-3201	347	18	,	,	PUNCT
ajis02-3201	347	19	r.	r.	PROPN
ajis02-3201	347	20	e.	e.	PROPN
ajis02-3201	347	21	(	(	PUNCT
ajis02-3201	347	22	2016	2016	NUM
ajis02-3201	347	23	)	)	PUNCT
ajis02-3201	347	24	.	.	PUNCT
ajis02-3201	348	1	multivariate	multivariate	NOUN
ajis02-3201	348	2	data	datum	NOUN
ajis02-3201	348	3	analysis.7th	analysis.7th	PROPN
ajis02-3201	348	4	edition	edition	NOUN
ajis02-3201	348	5	.	.	PUNCT
ajis02-3201	349	1	pearson	pearson	PROPN
ajis02-3201	349	2	:	:	PUNCT
ajis02-3201	349	3	india	india	PROPN
ajis02-3201	349	4	.	.	PUNCT
ajis02-3201	349	5	hew	hew	PROPN
ajis02-3201	349	6	,	,	PUNCT
ajis02-3201	349	7	j.	j.	PROPN
ajis02-3201	349	8	j.	j.	PROPN
ajis02-3201	349	9	,	,	PUNCT
ajis02-3201	349	10	leong	leong	PROPN
ajis02-3201	349	11	,	,	PUNCT
ajis02-3201	349	12	l.	l.	PROPN
ajis02-3201	349	13	y.	y.	PROPN
ajis02-3201	349	14	,	,	PUNCT
ajis02-3201	349	15	tan	tan	PROPN
ajis02-3201	349	16	,	,	PUNCT
ajis02-3201	349	17	g.	g.	PROPN
ajis02-3201	349	18	w.	w.	PROPN
ajis02-3201	349	19	h.	h.	PROPN
ajis02-3201	349	20	,	,	PUNCT
ajis02-3201	349	21	ooi	ooi	PROPN
ajis02-3201	349	22	,	,	PUNCT
ajis02-3201	349	23	k.	k.	PROPN
ajis02-3201	349	24	b.	b.	PROPN
ajis02-3201	349	25	,	,	PUNCT
ajis02-3201	349	26	&	&	CCONJ
ajis02-3201	349	27	lee	lee	PROPN
ajis02-3201	349	28	,	,	PUNCT
ajis02-3201	349	29	v.	v.	PROPN
ajis02-3201	349	30	h.	h.	PROPN
ajis02-3201	349	31	(	(	PUNCT
ajis02-3201	349	32	2019	2019	NUM
ajis02-3201	349	33	)	)	PUNCT
ajis02-3201	349	34	.	.	PUNCT
ajis02-3201	350	1	the	the	DET
ajis02-3201	350	2	age	age	NOUN
ajis02-3201	350	3	of	of	ADP
ajis02-3201	350	4	mobile	mobile	ADJ
ajis02-3201	350	5	social	social	PROPN
ajis02-3201	350	6	commerce	commerce	PROPN
ajis02-3201	350	7	:	:	PUNCT
ajis02-3201	350	8	an	an	DET
ajis02-3201	350	9	artificial	artificial	ADJ
ajis02-3201	350	10	neural	neural	ADJ
ajis02-3201	350	11	network	network	NOUN
ajis02-3201	350	12	analysis	analysis	NOUN
ajis02-3201	350	13	on	on	ADP
ajis02-3201	350	14	its	its	PRON
ajis02-3201	350	15	resistances	resistance	NOUN
ajis02-3201	350	16	.	.	PUNCT
ajis02-3201	351	1	technological	technological	ADJ
ajis02-3201	351	2	forecasting	forecasting	NOUN
ajis02-3201	351	3	and	and	CCONJ
ajis02-3201	351	4	social	social	ADJ
ajis02-3201	351	5	change	change	NOUN
ajis02-3201	351	6	,	,	PUNCT
ajis02-3201	351	7	144	144	NUM
ajis02-3201	351	8	,	,	PUNCT
ajis02-3201	351	9	311	311	NUM
ajis02-3201	351	10	-	-	SYM
ajis02-3201	351	11	324	324	NUM
ajis02-3201	351	12	.	.	PUNCT
ajis02-3201	352	1	hirschheim	hirschheim	PROPN
ajis02-3201	352	2	,	,	PUNCT
ajis02-3201	352	3	r.	r.	PROPN
ajis02-3201	352	4	,	,	PUNCT
ajis02-3201	352	5	&	&	CCONJ
ajis02-3201	352	6	newman	newman	PROPN
ajis02-3201	352	7	,	,	PUNCT
ajis02-3201	352	8	m.	m.	NOUN
ajis02-3201	352	9	(	(	PUNCT
ajis02-3201	352	10	1988	1988	NUM
ajis02-3201	352	11	)	)	PUNCT
ajis02-3201	352	12	.	.	PUNCT
ajis02-3201	353	1	information	information	NOUN
ajis02-3201	353	2	systems	system	NOUN
ajis02-3201	353	3	and	and	CCONJ
ajis02-3201	353	4	user	user	NOUN
ajis02-3201	353	5	resistance	resistance	NOUN
ajis02-3201	353	6	:	:	PUNCT
ajis02-3201	353	7	theory	theory	NOUN
ajis02-3201	353	8	and	and	CCONJ
ajis02-3201	353	9	practice	practice	NOUN
ajis02-3201	353	10	.	.	PUNCT
ajis02-3201	354	1	the	the	DET
ajis02-3201	354	2	computer	computer	NOUN
ajis02-3201	354	3	journal	journal	NOUN
ajis02-3201	354	4	,	,	PUNCT
ajis02-3201	354	5	31(5	31(5	NUM
ajis02-3201	354	6	)	)	PUNCT
ajis02-3201	354	7	,	,	PUNCT
ajis02-3201	354	8	398	398	NUM
ajis02-3201	354	9	-	-	SYM
ajis02-3201	354	10	408	408	NUM
ajis02-3201	354	11	.	.	PUNCT
ajis02-3201	355	1	hosseini	hosseini	PROPN
ajis02-3201	355	2	,	,	PUNCT
ajis02-3201	355	3	m.	m.	PROPN
ajis02-3201	355	4	h.	h.	PROPN
ajis02-3201	355	5	,	,	PUNCT
ajis02-3201	355	6	delaviz	delaviz	PROPN
ajis02-3201	355	7	,	,	PUNCT
ajis02-3201	355	8	m.	m.	NOUN
ajis02-3201	355	9	,	,	PUNCT
ajis02-3201	355	10	derakhshide	derakhshide	PROPN
ajis02-3201	355	11	,	,	PUNCT
ajis02-3201	355	12	h.	h.	PROPN
ajis02-3201	355	13	,	,	PUNCT
ajis02-3201	355	14	&	&	CCONJ
ajis02-3201	355	15	delaviz	delaviz	PROPN
ajis02-3201	355	16	,	,	PUNCT
ajis02-3201	355	17	m.	m.	NOUN
ajis02-3201	355	18	(	(	PUNCT
ajis02-3201	355	19	2016	2016	NUM
ajis02-3201	355	20	)	)	PUNCT
ajis02-3201	355	21	.	.	PUNCT
ajis02-3201	356	1	factors	factor	NOUN
ajis02-3201	356	2	affecting	affect	VERB
ajis02-3201	356	3	consumer	consumer	NOUN
ajis02-3201	356	4	resistance	resistance	NOUN
ajis02-3201	356	5	to	to	ADP
ajis02-3201	356	6	innovation	innovation	NOUN
ajis02-3201	356	7	in	in	ADP
ajis02-3201	356	8	mobile	mobile	ADJ
ajis02-3201	356	9	phone	phone	NOUN
ajis02-3201	356	10	industry	industry	NOUN
ajis02-3201	356	11	.	.	PUNCT
ajis02-3201	357	1	international	international	ADJ
ajis02-3201	357	2	journal	journal	PROPN
ajis02-3201	357	3	of	of	ADP
ajis02-3201	357	4	asian	asian	ADJ
ajis02-3201	357	5	social	social	ADJ
ajis02-3201	357	6	science	science	NOUN
ajis02-3201	357	7	,	,	PUNCT
ajis02-3201	357	8	6(9	6(9	NUM
ajis02-3201	357	9	)	)	PUNCT
ajis02-3201	357	10	,	,	PUNCT
ajis02-3201	357	11	497	497	NUM
ajis02-3201	357	12	-	-	SYM
ajis02-3201	357	13	509	509	NUM
ajis02-3201	357	14	.	.	PUNCT
ajis02-3201	358	1	jaganmohan	jaganmohan	PROPN
ajis02-3201	358	2	,	,	PUNCT
ajis02-3201	358	3	m.	m.	NOUN
ajis02-3201	358	4	(	(	PUNCT
ajis02-3201	358	5	2020	2020	NUM
ajis02-3201	358	6	)	)	PUNCT
ajis02-3201	358	7	.	.	PUNCT
ajis02-3201	359	1	covid-19	covid-19	PROPN
ajis02-3201	359	2	impact	impact	NOUN
ajis02-3201	359	3	on	on	ADP
ajis02-3201	359	4	use	use	NOUN
ajis02-3201	359	5	of	of	ADP
ajis02-3201	359	6	digital	digital	ADJ
ajis02-3201	359	7	payments	payment	NOUN
ajis02-3201	359	8	in	in	ADP
ajis02-3201	359	9	india	india	PROPN
ajis02-3201	359	10	2020	2020	NUM
ajis02-3201	359	11	.	.	PUNCT
ajis02-3201	360	1	retrieved	retrieve	VERB
ajis02-3201	360	2	october	october	PROPN
ajis02-3201	360	3	23	23	NUM
ajis02-3201	360	4	,	,	PUNCT
ajis02-3201	360	5	2020	2020	NUM
ajis02-3201	360	6	,	,	PUNCT
ajis02-3201	360	7	from	from	ADP
ajis02-3201	360	8	https://www.statista.com/statistics/1111082/india-coronavirusimpact-on-digital-payment-usage/.	https://www.statista.com/statistics/1111082/india-coronavirusimpact-on-digital-payment-usage/.	PROPN
ajis02-3201	360	9	jakhiya	jakhiya	PROPN
ajis02-3201	360	10	,	,	PUNCT
ajis02-3201	360	11	m.	m.	NOUN
ajis02-3201	360	12	,	,	PUNCT
ajis02-3201	360	13	bishnoi	bishnoi	PROPN
ajis02-3201	360	14	,	,	PUNCT
ajis02-3201	360	15	m.m	m.m	PROPN
ajis02-3201	360	16	.	.	PROPN
ajis02-3201	360	17	,	,	PUNCT
ajis02-3201	360	18	&	&	CCONJ
ajis02-3201	360	19	purohit	purohit	PROPN
ajis02-3201	360	20	,	,	PUNCT
ajis02-3201	360	21	h.	h.	PROPN
ajis02-3201	360	22	(	(	PUNCT
ajis02-3201	360	23	2020	2020	NUM
ajis02-3201	360	24	)	)	PUNCT
ajis02-3201	360	25	.	.	PUNCT
ajis02-3201	361	1	emergence	emergence	NOUN
ajis02-3201	361	2	and	and	CCONJ
ajis02-3201	361	3	growth	growth	NOUN
ajis02-3201	361	4	of	of	ADP
ajis02-3201	361	5	mobile	mobile	ADJ
ajis02-3201	361	6	money	money	NOUN
ajis02-3201	361	7	in	in	ADP
ajis02-3201	361	8	modern	modern	ADJ
ajis02-3201	361	9	india	india	PROPN
ajis02-3201	361	10	:	:	PUNCT
ajis02-3201	361	11	a	a	DET
ajis02-3201	361	12	study	study	NOUN
ajis02-3201	361	13	on	on	ADP
ajis02-3201	361	14	the	the	DET
ajis02-3201	361	15	effect	effect	NOUN
ajis02-3201	361	16	of	of	ADP
ajis02-3201	361	17	mobile	mobile	ADJ
ajis02-3201	361	18	money	money	NOUN
ajis02-3201	361	19	.	.	PUNCT
ajis02-3201	362	1	2020	2020	NUM
ajis02-3201	362	2	advances	advance	NOUN
ajis02-3201	362	3	in	in	ADP
ajis02-3201	362	4	science	science	NOUN
ajis02-3201	362	5	and	and	CCONJ
ajis02-3201	362	6	https://government/	https://government/	PROPN
ajis02-3201	362	7	australasian	australasian	ADJ
ajis02-3201	362	8	journal	journal	NOUN
ajis02-3201	362	9	of	of	ADP
ajis02-3201	362	10	information	information	NOUN
ajis02-3201	362	11	systems	system	NOUN
ajis02-3201	362	12	talwar	talwar	PROPN
ajis02-3201	362	13	et	et	PROPN
ajis02-3201	362	14	al	al	PROPN
ajis02-3201	362	15	.	.	PROPN
ajis02-3201	362	16	2021	2021	NUM
ajis02-3201	362	17	,	,	PUNCT
ajis02-3201	362	18	vol	vol	NOUN
ajis02-3201	362	19	25	25	NUM
ajis02-3201	362	20	,	,	PUNCT
ajis02-3201	362	21	research	research	NOUN
ajis02-3201	362	22	on	on	ADP
ajis02-3201	362	23	evaluation	evaluation	NOUN
ajis02-3201	362	24	a	a	DET
ajis02-3201	362	25	study	study	NOUN
ajis02-3201	362	26	of	of	ADP
ajis02-3201	362	27	mobile	mobile	ADJ
ajis02-3201	362	28	payment	payment	NOUN
ajis02-3201	362	29	innovations	innovation	NOUN
ajis02-3201	362	30	of	of	ADP
ajis02-3201	362	31	mobile	mobile	ADJ
ajis02-3201	362	32	applications	application	NOUN
ajis02-3201	362	33	22	22	NUM
ajis02-3201	362	34	engineering	engineering	NOUN
ajis02-3201	362	35	technology	technology	NOUN
ajis02-3201	362	36	international	international	ADJ
ajis02-3201	362	37	conferences	conference	NOUN
ajis02-3201	362	38	(	(	PUNCT
ajis02-3201	362	39	aset	aset	NOUN
ajis02-3201	362	40	)	)	PUNCT
ajis02-3201	362	41	,	,	PUNCT
ajis02-3201	362	42	1	1	NUM
ajis02-3201	362	43	-	-	SYM
ajis02-3201	362	44	10	10	NUM
ajis02-3201	362	45	,	,	PUNCT
ajis02-3201	362	46	doi	doi	NOUN
ajis02-3201	362	47	:	:	PUNCT
ajis02-3201	362	48	10.1109	10.1109	NUM
ajis02-3201	362	49	/	/	SYM
ajis02-3201	362	50	aset48392.2020.9118375	aset48392.2020.9118375	PROPN
ajis02-3201	362	51	.	.	PUNCT
ajis02-3201	363	1	kaur	kaur	PROPN
ajis02-3201	363	2	,	,	PUNCT
ajis02-3201	363	3	p.	p.	PROPN
ajis02-3201	363	4	,	,	PUNCT
ajis02-3201	363	5	dhir	dhir	ADJ
ajis02-3201	363	6	,	,	PUNCT
ajis02-3201	363	7	a.	a.	NOUN
ajis02-3201	363	8	,	,	PUNCT
ajis02-3201	363	9	singh	singh	PROPN
ajis02-3201	363	10	,	,	PUNCT
ajis02-3201	363	11	n.	n.	PROPN
ajis02-3201	363	12	,	,	PUNCT
ajis02-3201	363	13	sahu	sahu	PROPN
ajis02-3201	363	14	,	,	PUNCT
ajis02-3201	363	15	g.	g.	PROPN
ajis02-3201	363	16	,	,	PUNCT
ajis02-3201	363	17	&	&	CCONJ
ajis02-3201	363	18	almotairi	almotairi	PROPN
ajis02-3201	363	19	,	,	PUNCT
ajis02-3201	363	20	m.	m.	NOUN
ajis02-3201	363	21	(	(	PUNCT
ajis02-3201	363	22	2020a	2020a	NOUN
ajis02-3201	363	23	)	)	PUNCT
ajis02-3201	363	24	.	.	PUNCT
ajis02-3201	364	1	an	an	DET
ajis02-3201	364	2	innovation	innovation	NOUN
ajis02-3201	364	3	resistance	resistance	NOUN
ajis02-3201	364	4	theory	theory	NOUN
ajis02-3201	364	5	perspective	perspective	NOUN
ajis02-3201	364	6	on	on	ADP
ajis02-3201	364	7	mobile	mobile	ADJ
ajis02-3201	364	8	payment	payment	NOUN
ajis02-3201	364	9	solutions	solution	NOUN
ajis02-3201	364	10	.	.	PUNCT
ajis02-3201	365	1	journal	journal	NOUN
ajis02-3201	365	2	of	of	ADP
ajis02-3201	365	3	retailing	retailing	NOUN
ajis02-3201	365	4	and	and	CCONJ
ajis02-3201	365	5	consumer	consumer	NOUN
ajis02-3201	365	6	services	service	NOUN
ajis02-3201	365	7	,	,	PUNCT
ajis02-3201	365	8	55	55	NUM
ajis02-3201	365	9	,	,	PUNCT
ajis02-3201	365	10	102059	102059	NUM
ajis02-3201	365	11	.	.	PUNCT
ajis02-3201	366	1	kaur	kaur	PROPN
ajis02-3201	366	2	,	,	PUNCT
ajis02-3201	366	3	p.	p.	PROPN
ajis02-3201	366	4	,	,	PUNCT
ajis02-3201	366	5	dhir	dhir	PROPN
ajis02-3201	366	6	,	,	PUNCT
ajis02-3201	366	7	a.	a.	PROPN
ajis02-3201	366	8	,	,	PUNCT
ajis02-3201	366	9	bodhi	bodhi	PROPN
ajis02-3201	366	10	,	,	PUNCT
ajis02-3201	366	11	r.	r.	PROPN
ajis02-3201	366	12	,	,	PUNCT
ajis02-3201	366	13	singh	singh	PROPN
ajis02-3201	366	14	,	,	PUNCT
ajis02-3201	366	15	t.	t.	PROPN
ajis02-3201	366	16	,	,	PUNCT
ajis02-3201	366	17	&	&	CCONJ
ajis02-3201	366	18	almotairi	almotairi	PROPN
ajis02-3201	366	19	,	,	PUNCT
ajis02-3201	366	20	m.	m.	NOUN
ajis02-3201	366	21	(	(	PUNCT
ajis02-3201	366	22	2020b	2020b	NUM
ajis02-3201	366	23	)	)	PUNCT
ajis02-3201	366	24	.	.	PUNCT
ajis02-3201	367	1	why	why	SCONJ
ajis02-3201	367	2	do	do	AUX
ajis02-3201	367	3	people	people	NOUN
ajis02-3201	367	4	use	use	VERB
ajis02-3201	367	5	and	and	CCONJ
ajis02-3201	367	6	recommend	recommend	VERB
ajis02-3201	367	7	m	m	NOUN
ajis02-3201	367	8	-	-	NOUN
ajis02-3201	367	9	wallets	wallet	NOUN
ajis02-3201	367	10	?	?	PUNCT
ajis02-3201	368	1	journal	journal	NOUN
ajis02-3201	368	2	of	of	ADP
ajis02-3201	368	3	retailing	retailing	NOUN
ajis02-3201	368	4	and	and	CCONJ
ajis02-3201	368	5	consumer	consumer	NOUN
ajis02-3201	368	6	services	service	NOUN
ajis02-3201	368	7	,	,	PUNCT
ajis02-3201	368	8	56	56	NUM
ajis02-3201	368	9	,	,	PUNCT
ajis02-3201	368	10	102091	102091	NUM
ajis02-3201	368	11	.	.	PUNCT
ajis02-3201	369	1	khanra	khanra	NOUN
ajis02-3201	369	2	,	,	PUNCT
ajis02-3201	369	3	s.	s.	PROPN
ajis02-3201	369	4	,	,	PUNCT
ajis02-3201	369	5	dhir	dhir	PROPN
ajis02-3201	369	6	,	,	PUNCT
ajis02-3201	369	7	a.	a.	NOUN
ajis02-3201	369	8	,	,	PUNCT
ajis02-3201	369	9	kaur	kaur	PROPN
ajis02-3201	369	10	,	,	PUNCT
ajis02-3201	369	11	p.	p.	PROPN
ajis02-3201	369	12	,	,	PUNCT
ajis02-3201	369	13	&	&	CCONJ
ajis02-3201	369	14	joseph	joseph	PROPN
ajis02-3201	369	15	,	,	PUNCT
ajis02-3201	369	16	r.	r.	PROPN
ajis02-3201	369	17	p.	p.	PROPN
ajis02-3201	369	18	(	(	PUNCT
ajis02-3201	369	19	2021	2021	NUM
ajis02-3201	369	20	)	)	PUNCT
ajis02-3201	369	21	.	.	PUNCT
ajis02-3201	370	1	factors	factor	NOUN
ajis02-3201	370	2	influencing	influence	VERB
ajis02-3201	370	3	the	the	DET
ajis02-3201	370	4	adoption	adoption	NOUN
ajis02-3201	370	5	postponement	postponement	NOUN
ajis02-3201	370	6	of	of	ADP
ajis02-3201	370	7	mobile	mobile	ADJ
ajis02-3201	370	8	payment	payment	NOUN
ajis02-3201	370	9	services	service	NOUN
ajis02-3201	370	10	in	in	ADP
ajis02-3201	370	11	the	the	DET
ajis02-3201	370	12	hospitality	hospitality	NOUN
ajis02-3201	370	13	sector	sector	NOUN
ajis02-3201	370	14	during	during	ADP
ajis02-3201	370	15	a	a	DET
ajis02-3201	370	16	pandemic	pandemic	ADJ
ajis02-3201	370	17	.	.	PUNCT
ajis02-3201	371	1	journal	journal	PROPN
ajis02-3201	371	2	of	of	ADP
ajis02-3201	371	3	hospitality	hospitality	NOUN
ajis02-3201	371	4	and	and	CCONJ
ajis02-3201	371	5	tourism	tourism	NOUN
ajis02-3201	371	6	management	management	NOUN
ajis02-3201	371	7	,	,	PUNCT
ajis02-3201	371	8	46	46	NUM
ajis02-3201	371	9	,	,	PUNCT
ajis02-3201	371	10	26–39	26–39	NUM
ajis02-3201	371	11	.	.	PUNCT
ajis02-3201	372	1	doi:10.1016	doi:10.1016	PROPN
ajis02-3201	372	2	/	/	SYM
ajis02-3201	372	3	j.jhtm.2020.11.004	j.jhtm.2020.11.004	PROPN
ajis02-3201	372	4	kleijnen	kleijnen	NOUN
ajis02-3201	372	5	,	,	PUNCT
ajis02-3201	372	6	m.	m.	NOUN
ajis02-3201	372	7	,	,	PUNCT
ajis02-3201	372	8	lee	lee	PROPN
ajis02-3201	372	9	,	,	PUNCT
ajis02-3201	372	10	n.	n.	PROPN
ajis02-3201	372	11	,	,	PUNCT
ajis02-3201	372	12	&	&	CCONJ
ajis02-3201	372	13	wetzels	wetzels	PROPN
ajis02-3201	372	14	,	,	PUNCT
ajis02-3201	372	15	m.	m.	NOUN
ajis02-3201	372	16	(	(	PUNCT
ajis02-3201	372	17	2009	2009	NUM
ajis02-3201	372	18	)	)	PUNCT
ajis02-3201	372	19	.	.	PUNCT
ajis02-3201	373	1	an	an	DET
ajis02-3201	373	2	exploration	exploration	NOUN
ajis02-3201	373	3	of	of	ADP
ajis02-3201	373	4	consumer	consumer	NOUN
ajis02-3201	373	5	resistance	resistance	NOUN
ajis02-3201	373	6	to	to	ADP
ajis02-3201	373	7	innovation	innovation	NOUN
ajis02-3201	373	8	and	and	CCONJ
ajis02-3201	373	9	its	its	PRON
ajis02-3201	373	10	antecedents	antecedent	NOUN
ajis02-3201	373	11	.	.	PUNCT
ajis02-3201	374	1	journal	journal	PROPN
ajis02-3201	374	2	of	of	ADP
ajis02-3201	374	3	economic	economic	ADJ
ajis02-3201	374	4	psychology	psychology	NOUN
ajis02-3201	374	5	,	,	PUNCT
ajis02-3201	374	6	20(3	20(3	NOUN
ajis02-3201	374	7	)	)	PUNCT
ajis02-3201	374	8	,	,	PUNCT
ajis02-3201	374	9	344	344	NUM
ajis02-3201	374	10	-	-	SYM
ajis02-3201	374	11	357	357	NUM
ajis02-3201	374	12	.	.	PUNCT
ajis02-3201	375	1	kuisma	kuisma	PROPN
ajis02-3201	375	2	,	,	PUNCT
ajis02-3201	375	3	t.	t.	PROPN
ajis02-3201	375	4	,	,	PUNCT
ajis02-3201	375	5	laukkanen	laukkanen	PROPN
ajis02-3201	375	6	,	,	PUNCT
ajis02-3201	375	7	t.	t.	PROPN
ajis02-3201	375	8	,	,	PUNCT
ajis02-3201	375	9	&	&	CCONJ
ajis02-3201	375	10	hiltunen	hiltunen	PROPN
ajis02-3201	375	11	,	,	PUNCT
ajis02-3201	375	12	m.	m.	NOUN
ajis02-3201	375	13	(	(	PUNCT
ajis02-3201	375	14	2007	2007	NUM
ajis02-3201	375	15	)	)	PUNCT
ajis02-3201	375	16	.	.	PUNCT
ajis02-3201	376	1	mapping	map	VERB
ajis02-3201	376	2	the	the	DET
ajis02-3201	376	3	reasons	reason	NOUN
ajis02-3201	376	4	for	for	ADP
ajis02-3201	376	5	resistance	resistance	NOUN
ajis02-3201	376	6	to	to	ADP
ajis02-3201	376	7	internet	internet	NOUN
ajis02-3201	376	8	banking	banking	NOUN
ajis02-3201	376	9	:	:	PUNCT
ajis02-3201	376	10	a	a	DET
ajis02-3201	376	11	means	mean	NOUN
ajis02-3201	376	12	-	-	PUNCT
ajis02-3201	376	13	end	end	NOUN
ajis02-3201	376	14	approach	approach	NOUN
ajis02-3201	376	15	.	.	PUNCT
ajis02-3201	377	1	international	international	ADJ
ajis02-3201	377	2	journal	journal	PROPN
ajis02-3201	377	3	of	of	ADP
ajis02-3201	377	4	information	information	NOUN
ajis02-3201	377	5	management	management	NOUN
ajis02-3201	377	6	,	,	PUNCT
ajis02-3201	377	7	27(2	27(2	NUM
ajis02-3201	377	8	)	)	PUNCT
ajis02-3201	377	9	,	,	PUNCT
ajis02-3201	377	10	75	75	NUM
ajis02-3201	377	11	-	-	SYM
ajis02-3201	377	12	85	85	NUM
ajis02-3201	377	13	.	.	PUNCT
ajis02-3201	378	1	kumar	kumar	PROPN
ajis02-3201	378	2	,	,	PUNCT
ajis02-3201	378	3	s.	s.	PROPN
ajis02-3201	378	4	,	,	PUNCT
ajis02-3201	378	5	dhir	dhir	PROPN
ajis02-3201	378	6	,	,	PUNCT
ajis02-3201	378	7	a.	a.	NOUN
ajis02-3201	378	8	,	,	PUNCT
ajis02-3201	378	9	talwar	talwar	PROPN
ajis02-3201	378	10	,	,	PUNCT
ajis02-3201	378	11	s.	s.	PROPN
ajis02-3201	378	12	,	,	PUNCT
ajis02-3201	378	13	chakraborty	chakraborty	PROPN
ajis02-3201	378	14	,	,	PUNCT
ajis02-3201	378	15	d.	d.	PROPN
ajis02-3201	378	16	,	,	PUNCT
ajis02-3201	378	17	&	&	CCONJ
ajis02-3201	378	18	kaur	kaur	PROPN
ajis02-3201	378	19	,	,	PUNCT
ajis02-3201	378	20	p.	p.	NOUN
ajis02-3201	378	21	(	(	PUNCT
ajis02-3201	378	22	2021	2021	NUM
ajis02-3201	378	23	)	)	PUNCT
ajis02-3201	378	24	.	.	PUNCT
ajis02-3201	379	1	what	what	PRON
ajis02-3201	379	2	drives	drive	VERB
ajis02-3201	379	3	brand	brand	NOUN
ajis02-3201	379	4	love	love	NOUN
ajis02-3201	379	5	for	for	ADP
ajis02-3201	379	6	natural	natural	ADJ
ajis02-3201	379	7	products	product	NOUN
ajis02-3201	379	8	?	?	PUNCT
ajis02-3201	380	1	the	the	DET
ajis02-3201	380	2	moderating	moderate	VERB
ajis02-3201	380	3	role	role	NOUN
ajis02-3201	380	4	of	of	ADP
ajis02-3201	380	5	household	household	NOUN
ajis02-3201	380	6	size	size	NOUN
ajis02-3201	380	7	.	.	PUNCT
ajis02-3201	381	1	journal	journal	NOUN
ajis02-3201	381	2	of	of	ADP
ajis02-3201	381	3	retailing	retailing	NOUN
ajis02-3201	381	4	and	and	CCONJ
ajis02-3201	381	5	consumer	consumer	NOUN
ajis02-3201	381	6	services	service	NOUN
ajis02-3201	381	7	,	,	PUNCT
ajis02-3201	381	8	58	58	NUM
ajis02-3201	381	9	,	,	PUNCT
ajis02-3201	381	10	102329	102329	NUM
ajis02-3201	381	11	.	.	PUNCT
ajis02-3201	382	1	doi:10.1016	doi:10.1016	PROPN
ajis02-3201	382	2	/	/	SYM
ajis02-3201	382	3	j.jretconser.2020.102329	j.jretconser.2020.102329	PROPN
ajis02-3201	382	4	laukkanen	laukkanen	PROPN
ajis02-3201	382	5	,	,	PUNCT
ajis02-3201	382	6	t.	t.	PROPN
ajis02-3201	382	7	(	(	PUNCT
ajis02-3201	382	8	2016	2016	NUM
ajis02-3201	382	9	)	)	PUNCT
ajis02-3201	382	10	.	.	PUNCT
ajis02-3201	383	1	consumer	consumer	NOUN
ajis02-3201	383	2	adoption	adoption	NOUN
ajis02-3201	383	3	versus	versus	ADP
ajis02-3201	383	4	rejection	rejection	NOUN
ajis02-3201	383	5	decisions	decision	NOUN
ajis02-3201	383	6	in	in	ADP
ajis02-3201	383	7	seemingly	seemingly	ADV
ajis02-3201	383	8	similar	similar	ADJ
ajis02-3201	383	9	service	service	NOUN
ajis02-3201	383	10	innovations	innovation	NOUN
ajis02-3201	383	11	:	:	PUNCT
ajis02-3201	383	12	the	the	DET
ajis02-3201	383	13	case	case	NOUN
ajis02-3201	383	14	of	of	ADP
ajis02-3201	383	15	the	the	DET
ajis02-3201	383	16	internet	internet	NOUN
ajis02-3201	383	17	and	and	CCONJ
ajis02-3201	383	18	mobile	mobile	ADJ
ajis02-3201	383	19	banking	banking	NOUN
ajis02-3201	383	20	.	.	PUNCT
ajis02-3201	384	1	journal	journal	PROPN
ajis02-3201	384	2	of	of	ADP
ajis02-3201	384	3	business	business	NOUN
ajis02-3201	384	4	research	research	NOUN
ajis02-3201	384	5	,	,	PUNCT
ajis02-3201	384	6	69(7	69(7	NOUN
ajis02-3201	384	7	)	)	PUNCT
ajis02-3201	384	8	,	,	PUNCT
ajis02-3201	384	9	2432	2432	NUM
ajis02-3201	384	10	-	-	SYM
ajis02-3201	384	11	2439	2439	NUM
ajis02-3201	384	12	.	.	PUNCT
ajis02-3201	385	1	laukkanen	laukkanen	ADJ
ajis02-3201	385	2	,	,	PUNCT
ajis02-3201	385	3	p.	p.	PROPN
ajis02-3201	385	4	,	,	PUNCT
ajis02-3201	385	5	sinkkonen	sinkkonen	PROPN
ajis02-3201	385	6	,	,	PUNCT
ajis02-3201	385	7	s.	s.	PROPN
ajis02-3201	385	8	,	,	PUNCT
ajis02-3201	385	9	&	&	CCONJ
ajis02-3201	385	10	laukkanen	laukkanen	PROPN
ajis02-3201	385	11	,	,	PUNCT
ajis02-3201	385	12	t.	t.	PROPN
ajis02-3201	385	13	(	(	PUNCT
ajis02-3201	385	14	2008	2008	NUM
ajis02-3201	385	15	)	)	PUNCT
ajis02-3201	385	16	.	.	PUNCT
ajis02-3201	386	1	consumer	consumer	NOUN
ajis02-3201	386	2	resistance	resistance	NOUN
ajis02-3201	386	3	to	to	ADP
ajis02-3201	386	4	internet	internet	NOUN
ajis02-3201	386	5	banking	banking	NOUN
ajis02-3201	386	6	:	:	PUNCT
ajis02-3201	386	7	postponers	postponer	NOUN
ajis02-3201	386	8	,	,	PUNCT
ajis02-3201	386	9	opponents	opponent	NOUN
ajis02-3201	386	10	and	and	CCONJ
ajis02-3201	386	11	rejectors	rejector	NOUN
ajis02-3201	386	12	.	.	PUNCT
ajis02-3201	387	1	international	international	ADJ
ajis02-3201	387	2	journal	journal	PROPN
ajis02-3201	387	3	of	of	ADP
ajis02-3201	387	4	bank	bank	PROPN
ajis02-3201	387	5	marketing	marketing	NOUN
ajis02-3201	387	6	,	,	PUNCT
ajis02-3201	387	7	26(6	26(6	NUM
ajis02-3201	387	8	)	)	PUNCT
ajis02-3201	387	9	,	,	PUNCT
ajis02-3201	387	10	440	440	NUM
ajis02-3201	387	11	-	-	SYM
ajis02-3201	387	12	455	455	NUM
ajis02-3201	387	13	.	.	PUNCT
ajis02-3201	388	1	laukkanen	laukkanen	ADJ
ajis02-3201	388	2	,	,	PUNCT
ajis02-3201	388	3	t.	t.	PROPN
ajis02-3201	388	4	,	,	PUNCT
ajis02-3201	388	5	sinkkonen	sinkkonen	PROPN
ajis02-3201	388	6	,	,	PUNCT
ajis02-3201	388	7	s.	s.	PROPN
ajis02-3201	388	8	,	,	PUNCT
ajis02-3201	388	9	kivijärvi	kivijärvi	PROPN
ajis02-3201	388	10	,	,	PUNCT
ajis02-3201	388	11	m.	m.	NOUN
ajis02-3201	388	12	,	,	PUNCT
ajis02-3201	388	13	&	&	CCONJ
ajis02-3201	388	14	laukkanen	laukkanen	PROPN
ajis02-3201	388	15	,	,	PUNCT
ajis02-3201	388	16	p.	p.	NOUN
ajis02-3201	388	17	(	(	PUNCT
ajis02-3201	388	18	2007	2007	NUM
ajis02-3201	388	19	)	)	PUNCT
ajis02-3201	388	20	.	.	PUNCT
ajis02-3201	389	1	innovation	innovation	NOUN
ajis02-3201	389	2	resistance	resistance	NOUN
ajis02-3201	389	3	among	among	ADP
ajis02-3201	389	4	mature	mature	ADJ
ajis02-3201	389	5	consumers	consumer	NOUN
ajis02-3201	389	6	.	.	PUNCT
ajis02-3201	390	1	journal	journal	NOUN
ajis02-3201	390	2	of	of	ADP
ajis02-3201	390	3	consumer	consumer	NOUN
ajis02-3201	390	4	marketing	marketing	NOUN
ajis02-3201	390	5	,	,	PUNCT
ajis02-3201	390	6	24(7	24(7	NUM
ajis02-3201	390	7	)	)	PUNCT
ajis02-3201	390	8	,	,	PUNCT
ajis02-3201	390	9	419	419	NUM
ajis02-3201	390	10	-	-	SYM
ajis02-3201	390	11	427	427	NUM
ajis02-3201	390	12	.	.	PUNCT
ajis02-3201	391	1	leong	leong	PROPN
ajis02-3201	391	2	,	,	PUNCT
ajis02-3201	391	3	l.	l.	PROPN
ajis02-3201	391	4	y.	y.	PROPN
ajis02-3201	391	5	,	,	PUNCT
ajis02-3201	391	6	hew	hew	VERB
ajis02-3201	391	7	,	,	PUNCT
ajis02-3201	391	8	t.	t.	PROPN
ajis02-3201	391	9	s.	s.	PROPN
ajis02-3201	391	10	,	,	PUNCT
ajis02-3201	391	11	ooi	ooi	PROPN
ajis02-3201	391	12	,	,	PUNCT
ajis02-3201	391	13	k.	k.	PROPN
ajis02-3201	391	14	b.	b.	PROPN
ajis02-3201	391	15	,	,	PUNCT
ajis02-3201	391	16	&	&	CCONJ
ajis02-3201	391	17	wei	wei	PROPN
ajis02-3201	391	18	,	,	PUNCT
ajis02-3201	391	19	j.	j.	PROPN
ajis02-3201	391	20	(	(	PUNCT
ajis02-3201	391	21	2020	2020	NUM
ajis02-3201	391	22	)	)	PUNCT
ajis02-3201	391	23	.	.	PUNCT
ajis02-3201	392	1	predicting	predict	VERB
ajis02-3201	392	2	mobile	mobile	ADJ
ajis02-3201	392	3	wallet	wallet	NOUN
ajis02-3201	392	4	resistance	resistance	NOUN
ajis02-3201	392	5	:	:	PUNCT
ajis02-3201	392	6	a	a	DET
ajis02-3201	392	7	twostaged	twostage	VERB
ajis02-3201	392	8	structural	structural	ADJ
ajis02-3201	392	9	equation	equation	NOUN
ajis02-3201	392	10	modeling	modeling	NOUN
ajis02-3201	392	11	-	-	PUNCT
ajis02-3201	392	12	artificial	artificial	ADJ
ajis02-3201	392	13	neural	neural	ADJ
ajis02-3201	392	14	network	network	NOUN
ajis02-3201	392	15	approach	approach	NOUN
ajis02-3201	392	16	.	.	PUNCT
ajis02-3201	393	1	international	international	ADJ
ajis02-3201	393	2	journal	journal	PROPN
ajis02-3201	393	3	of	of	ADP
ajis02-3201	393	4	information	information	NOUN
ajis02-3201	393	5	management	management	NOUN
ajis02-3201	393	6	,	,	PUNCT
ajis02-3201	393	7	51	51	NUM
ajis02-3201	393	8	,	,	PUNCT
ajis02-3201	393	9	102047	102047	NUM
ajis02-3201	393	10	.	.	PUNCT
ajis02-3201	394	1	lian	lian	PROPN
ajis02-3201	394	2	,	,	PUNCT
ajis02-3201	394	3	j.	j.	PROPN
ajis02-3201	394	4	w.	w.	PROPN
ajis02-3201	394	5	,	,	PUNCT
ajis02-3201	394	6	&	&	CCONJ
ajis02-3201	394	7	yen	yen	PROPN
ajis02-3201	394	8	,	,	PUNCT
ajis02-3201	394	9	d.	d.	PROPN
ajis02-3201	394	10	c.	c.	PROPN
ajis02-3201	394	11	(	(	PUNCT
ajis02-3201	394	12	2013	2013	NUM
ajis02-3201	394	13	)	)	PUNCT
ajis02-3201	394	14	.	.	PUNCT
ajis02-3201	395	1	to	to	PART
ajis02-3201	395	2	buy	buy	VERB
ajis02-3201	395	3	or	or	CCONJ
ajis02-3201	395	4	not	not	PART
ajis02-3201	395	5	to	to	PART
ajis02-3201	395	6	buy	buy	VERB
ajis02-3201	395	7	experience	experience	NOUN
ajis02-3201	395	8	goods	good	NOUN
ajis02-3201	395	9	online	online	ADV
ajis02-3201	395	10	:	:	PUNCT
ajis02-3201	395	11	perspective	perspective	NOUN
ajis02-3201	395	12	of	of	ADP
ajis02-3201	395	13	innovation	innovation	NOUN
ajis02-3201	395	14	adoption	adoption	NOUN
ajis02-3201	395	15	barriers	barrier	NOUN
ajis02-3201	395	16	.	.	PUNCT
ajis02-3201	396	1	computers	computer	NOUN
ajis02-3201	396	2	in	in	ADP
ajis02-3201	396	3	human	human	ADJ
ajis02-3201	396	4	behavior	behavior	NOUN
ajis02-3201	396	5	,	,	PUNCT
ajis02-3201	396	6	29(3	29(3	NUM
ajis02-3201	396	7	)	)	PUNCT
ajis02-3201	396	8	,	,	PUNCT
ajis02-3201	396	9	665	665	NUM
ajis02-3201	396	10	-	-	SYM
ajis02-3201	396	11	672	672	NUM
ajis02-3201	396	12	.	.	PUNCT
ajis02-3201	397	1	mani	mani	PROPN
ajis02-3201	397	2	,	,	PUNCT
ajis02-3201	397	3	z.	z.	PROPN
ajis02-3201	397	4	,	,	PUNCT
ajis02-3201	397	5	&	&	CCONJ
ajis02-3201	397	6	chouk	chouk	PROPN
ajis02-3201	397	7	,	,	PUNCT
ajis02-3201	397	8	i.	i.	PROPN
ajis02-3201	397	9	(	(	PUNCT
ajis02-3201	397	10	2017	2017	NUM
ajis02-3201	397	11	)	)	PUNCT
ajis02-3201	397	12	.	.	PUNCT
ajis02-3201	398	1	drivers	driver	NOUN
ajis02-3201	398	2	of	of	ADP
ajis02-3201	398	3	consumers	consumer	NOUN
ajis02-3201	398	4	'	'	PART
ajis02-3201	398	5	resistance	resistance	NOUN
ajis02-3201	398	6	to	to	ADP
ajis02-3201	398	7	smart	smart	ADJ
ajis02-3201	398	8	products	product	NOUN
ajis02-3201	398	9	.	.	PUNCT
ajis02-3201	399	1	journal	journal	NOUN
ajis02-3201	399	2	of	of	ADP
ajis02-3201	399	3	marketing	marketing	NOUN
ajis02-3201	399	4	management	management	NOUN
ajis02-3201	399	5	,	,	PUNCT
ajis02-3201	399	6	33(1	33(1	NUM
ajis02-3201	399	7	-	-	SYM
ajis02-3201	399	8	2	2	NUM
ajis02-3201	399	9	)	)	PUNCT
ajis02-3201	399	10	,	,	PUNCT
ajis02-3201	399	11	76	76	NUM
ajis02-3201	399	12	-	-	SYM
ajis02-3201	399	13	97	97	NUM
ajis02-3201	399	14	.	.	PUNCT
ajis02-3201	400	1	mani	mani	PROPN
ajis02-3201	400	2	,	,	PUNCT
ajis02-3201	400	3	z.	z.	PROPN
ajis02-3201	400	4	,	,	PUNCT
ajis02-3201	400	5	&	&	CCONJ
ajis02-3201	400	6	chouk	chouk	PROPN
ajis02-3201	400	7	,	,	PUNCT
ajis02-3201	400	8	i.	i.	PROPN
ajis02-3201	400	9	(	(	PUNCT
ajis02-3201	400	10	2018	2018	NUM
ajis02-3201	400	11	)	)	PUNCT
ajis02-3201	400	12	.	.	PUNCT
ajis02-3201	401	1	consumer	consumer	NOUN
ajis02-3201	401	2	resistance	resistance	NOUN
ajis02-3201	401	3	to	to	ADP
ajis02-3201	401	4	innovation	innovation	NOUN
ajis02-3201	401	5	in	in	ADP
ajis02-3201	401	6	services	service	NOUN
ajis02-3201	401	7	:	:	PUNCT
ajis02-3201	401	8	challenges	challenge	NOUN
ajis02-3201	401	9	and	and	CCONJ
ajis02-3201	401	10	barriers	barrier	NOUN
ajis02-3201	401	11	in	in	ADP
ajis02-3201	401	12	the	the	DET
ajis02-3201	401	13	internet	internet	NOUN
ajis02-3201	401	14	of	of	ADP
ajis02-3201	401	15	things	thing	NOUN
ajis02-3201	401	16	ea	ea	NOUN
ajis02-3201	401	17	.	.	PUNCT
ajis02-3201	401	18	journal	journal	PROPN
ajis02-3201	401	19	of	of	ADP
ajis02-3201	401	20	product	product	NOUN
ajis02-3201	401	21	innovation	innovation	NOUN
ajis02-3201	401	22	management	management	NOUN
ajis02-3201	401	23	,	,	PUNCT
ajis02-3201	401	24	35(5	35(5	NUM
ajis02-3201	401	25	)	)	PUNCT
ajis02-3201	401	26	,	,	PUNCT
ajis02-3201	401	27	780	780	NUM
ajis02-3201	401	28	-	-	SYM
ajis02-3201	401	29	807	807	NUM
ajis02-3201	401	30	.	.	PUNCT
ajis02-3201	401	31	mittelstaedt	mittelstaedt	NOUN
ajis02-3201	401	32	,	,	PUNCT
ajis02-3201	401	33	r.	r.	PROPN
ajis02-3201	401	34	a.	a.	PROPN
ajis02-3201	401	35	,	,	PUNCT
ajis02-3201	401	36	grossbart	grossbart	PROPN
ajis02-3201	401	37	,	,	PUNCT
ajis02-3201	401	38	s.	s.	PROPN
ajis02-3201	401	39	l.	l.	PROPN
ajis02-3201	401	40	,	,	PUNCT
ajis02-3201	401	41	curtis	curtis	PROPN
ajis02-3201	401	42	,	,	PUNCT
ajis02-3201	401	43	w.	w.	PROPN
ajis02-3201	401	44	w.	w.	PROPN
ajis02-3201	401	45	,	,	PUNCT
ajis02-3201	401	46	&	&	CCONJ
ajis02-3201	401	47	devere	devere	PROPN
ajis02-3201	401	48	,	,	PUNCT
ajis02-3201	401	49	s.	s.	PROPN
ajis02-3201	401	50	p.	p.	PROPN
ajis02-3201	401	51	(	(	PUNCT
ajis02-3201	401	52	1976	1976	NUM
ajis02-3201	401	53	)	)	PUNCT
ajis02-3201	401	54	.	.	PUNCT
ajis02-3201	402	1	optimal	optimal	ADJ
ajis02-3201	402	2	stimulation	stimulation	NOUN
ajis02-3201	402	3	level	level	NOUN
ajis02-3201	402	4	and	and	CCONJ
ajis02-3201	402	5	the	the	DET
ajis02-3201	402	6	adoption	adoption	NOUN
ajis02-3201	402	7	decision	decision	NOUN
ajis02-3201	402	8	process	process	NOUN
ajis02-3201	402	9	.	.	PUNCT
ajis02-3201	403	1	journal	journal	NOUN
ajis02-3201	403	2	of	of	ADP
ajis02-3201	403	3	consumer	consumer	NOUN
ajis02-3201	403	4	research	research	NOUN
ajis02-3201	403	5	,	,	PUNCT
ajis02-3201	403	6	3(2	3(2	NUM
ajis02-3201	403	7	)	)	PUNCT
ajis02-3201	403	8	,	,	PUNCT
ajis02-3201	403	9	84	84	NUM
ajis02-3201	403	10	-	-	SYM
ajis02-3201	403	11	94	94	NUM
ajis02-3201	403	12	.	.	PUNCT
ajis02-3201	404	1	australasian	australasian	ADJ
ajis02-3201	404	2	journal	journal	NOUN
ajis02-3201	404	3	of	of	ADP
ajis02-3201	404	4	information	information	NOUN
ajis02-3201	404	5	systems	system	NOUN
ajis02-3201	404	6	talwar	talwar	PROPN
ajis02-3201	404	7	et	et	PROPN
ajis02-3201	404	8	al	al	PROPN
ajis02-3201	404	9	.	.	PROPN
ajis02-3201	404	10	2021	2021	NUM
ajis02-3201	404	11	,	,	PUNCT
ajis02-3201	404	12	vol	vol	NOUN
ajis02-3201	404	13	25	25	NUM
ajis02-3201	404	14	,	,	PUNCT
ajis02-3201	404	15	research	research	NOUN
ajis02-3201	404	16	on	on	ADP
ajis02-3201	404	17	evaluation	evaluation	NOUN
ajis02-3201	404	18	a	a	DET
ajis02-3201	404	19	study	study	NOUN
ajis02-3201	404	20	of	of	ADP
ajis02-3201	404	21	mobile	mobile	ADJ
ajis02-3201	404	22	payment	payment	NOUN
ajis02-3201	404	23	innovations	innovation	NOUN
ajis02-3201	404	24	of	of	ADP
ajis02-3201	404	25	mobile	mobile	ADJ
ajis02-3201	404	26	applications	application	NOUN
ajis02-3201	404	27	23	23	NUM
ajis02-3201	404	28	mohtar	mohtar	NOUN
ajis02-3201	404	29	,	,	PUNCT
ajis02-3201	404	30	s.	s.	PROPN
ajis02-3201	404	31	,	,	PUNCT
ajis02-3201	404	32	&	&	CCONJ
ajis02-3201	404	33	abbas	abbas	PROPN
ajis02-3201	404	34	,	,	PUNCT
ajis02-3201	404	35	m.	m.	NOUN
ajis02-3201	404	36	(	(	PUNCT
ajis02-3201	404	37	2015	2015	NUM
ajis02-3201	404	38	)	)	PUNCT
ajis02-3201	404	39	.	.	PUNCT
ajis02-3201	405	1	consumer	consumer	NOUN
ajis02-3201	405	2	resistance	resistance	NOUN
ajis02-3201	405	3	to	to	ADP
ajis02-3201	405	4	innovation	innovation	NOUN
ajis02-3201	405	5	due	due	ADP
ajis02-3201	405	6	to	to	ADP
ajis02-3201	405	7	perceived	perceive	VERB
ajis02-3201	405	8	risk	risk	NOUN
ajis02-3201	405	9	:	:	PUNCT
ajis02-3201	405	10	relationship	relationship	NOUN
ajis02-3201	405	11	between	between	ADP
ajis02-3201	405	12	perceived	perceive	VERB
ajis02-3201	405	13	risk	risk	NOUN
ajis02-3201	405	14	and	and	CCONJ
ajis02-3201	405	15	consumer	consumer	NOUN
ajis02-3201	405	16	resistance	resistance	NOUN
ajis02-3201	405	17	to	to	ADP
ajis02-3201	405	18	innovation	innovation	NOUN
ajis02-3201	405	19	.	.	PUNCT
ajis02-3201	406	1	journal	journal	PROPN
ajis02-3201	406	2	of	of	ADP
ajis02-3201	406	3	technology	technology	NOUN
ajis02-3201	406	4	and	and	CCONJ
ajis02-3201	406	5	operations	operation	NOUN
ajis02-3201	406	6	management	management	NOUN
ajis02-3201	406	7	,	,	PUNCT
ajis02-3201	406	8	10(1	10(1	NUM
ajis02-3201	406	9	)	)	PUNCT
ajis02-3201	406	10	,	,	PUNCT
ajis02-3201	406	11	1	1	NUM
ajis02-3201	406	12	-	-	SYM
ajis02-3201	406	13	13	13	NUM
ajis02-3201	406	14	.	.	PUNCT
ajis02-3201	407	1	nabih	nabih	ADJ
ajis02-3201	407	2	,	,	PUNCT
ajis02-3201	407	3	m.	m.	NOUN
ajis02-3201	407	4	i.	i.	PROPN
ajis02-3201	407	5	,	,	PUNCT
ajis02-3201	407	6	bloem	bloem	PROPN
ajis02-3201	407	7	,	,	PUNCT
ajis02-3201	407	8	j.	j.	PROPN
ajis02-3201	407	9	g.	g.	PROPN
ajis02-3201	407	10	,	,	PUNCT
ajis02-3201	407	11	&	&	CCONJ
ajis02-3201	407	12	poiesz	poiesz	PROPN
ajis02-3201	407	13	,	,	PUNCT
ajis02-3201	407	14	t.	t.	PROPN
ajis02-3201	407	15	b.	b.	PROPN
ajis02-3201	407	16	c.	c.	PROPN
ajis02-3201	407	17	(	(	PUNCT
ajis02-3201	407	18	1997	1997	NUM
ajis02-3201	407	19	)	)	PUNCT
ajis02-3201	407	20	.	.	PUNCT
ajis02-3201	408	1	conceptual	conceptual	ADJ
ajis02-3201	408	2	issues	issue	NOUN
ajis02-3201	408	3	in	in	ADP
ajis02-3201	408	4	the	the	DET
ajis02-3201	408	5	study	study	NOUN
ajis02-3201	408	6	of	of	ADP
ajis02-3201	408	7	innovation	innovation	NOUN
ajis02-3201	408	8	adoption	adoption	NOUN
ajis02-3201	408	9	behavior	behavior	NOUN
ajis02-3201	408	10	.	.	PUNCT
ajis02-3201	409	1	advances	advance	NOUN
ajis02-3201	409	2	in	in	ADP
ajis02-3201	409	3	consumer	consumer	NOUN
ajis02-3201	409	4	research	research	NOUN
ajis02-3201	409	5	.	.	PUNCT
ajis02-3201	410	1	24	24	NUM
ajis02-3201	410	2	,	,	PUNCT
ajis02-3201	410	3	190	190	NUM
ajis02-3201	410	4	-	-	SYM
ajis02-3201	410	5	196	196	NUM
ajis02-3201	410	6	.	.	PUNCT
ajis02-3201	411	1	oh	oh	INTJ
ajis02-3201	411	2	,	,	PUNCT
ajis02-3201	411	3	y.	y.	PROPN
ajis02-3201	411	4	j.	j.	PROPN
ajis02-3201	411	5	,	,	PUNCT
ajis02-3201	411	6	park	park	PROPN
ajis02-3201	411	7	,	,	PUNCT
ajis02-3201	411	8	h.	h.	PROPN
ajis02-3201	411	9	s.	s.	PROPN
ajis02-3201	411	10	,	,	PUNCT
ajis02-3201	411	11	&	&	CCONJ
ajis02-3201	411	12	min	min	PROPN
ajis02-3201	411	13	,	,	PUNCT
ajis02-3201	411	14	y.	y.	PROPN
ajis02-3201	411	15	(	(	PUNCT
ajis02-3201	411	16	2019	2019	NUM
ajis02-3201	411	17	)	)	PUNCT
ajis02-3201	411	18	.	.	PUNCT
ajis02-3201	412	1	understanding	understand	VERB
ajis02-3201	412	2	location	location	NOUN
ajis02-3201	412	3	-	-	PUNCT
ajis02-3201	412	4	based	base	VERB
ajis02-3201	412	5	service	service	NOUN
ajis02-3201	412	6	application	application	NOUN
ajis02-3201	412	7	connectedness	connectedness	NOUN
ajis02-3201	412	8	:	:	PUNCT
ajis02-3201	412	9	model	model	NOUN
ajis02-3201	412	10	development	development	NOUN
ajis02-3201	412	11	and	and	CCONJ
ajis02-3201	412	12	cross	cross	NOUN
ajis02-3201	412	13	-	-	NOUN
ajis02-3201	412	14	validation	validation	NOUN
ajis02-3201	412	15	.	.	PUNCT
ajis02-3201	413	1	computers	computer	NOUN
ajis02-3201	413	2	in	in	ADP
ajis02-3201	413	3	human	human	ADJ
ajis02-3201	413	4	behavior	behavior	NOUN
ajis02-3201	413	5	,	,	PUNCT
ajis02-3201	413	6	94	94	NUM
ajis02-3201	413	7	,	,	PUNCT
ajis02-3201	413	8	82	82	NUM
ajis02-3201	413	9	-	-	SYM
ajis02-3201	413	10	91	91	NUM
ajis02-3201	413	11	.	.	PUNCT
ajis02-3201	414	1	park	park	NOUN
ajis02-3201	414	2	,	,	PUNCT
ajis02-3201	414	3	k.	k.	PROPN
ajis02-3201	414	4	,	,	PUNCT
ajis02-3201	414	5	&	&	CCONJ
ajis02-3201	414	6	koh	koh	PROPN
ajis02-3201	414	7	,	,	PUNCT
ajis02-3201	414	8	j.	j.	PROPN
ajis02-3201	414	9	(	(	PUNCT
ajis02-3201	414	10	2017	2017	NUM
ajis02-3201	414	11	)	)	PUNCT
ajis02-3201	414	12	.	.	PUNCT
ajis02-3201	415	1	exploring	explore	VERB
ajis02-3201	415	2	the	the	DET
ajis02-3201	415	3	relationship	relationship	NOUN
ajis02-3201	415	4	between	between	ADP
ajis02-3201	415	5	perceived	perceive	VERB
ajis02-3201	415	6	pace	pace	NOUN
ajis02-3201	415	7	of	of	ADP
ajis02-3201	415	8	technology	technology	NOUN
ajis02-3201	415	9	change	change	NOUN
ajis02-3201	415	10	and	and	CCONJ
ajis02-3201	415	11	adoption	adoption	NOUN
ajis02-3201	415	12	resistance	resistance	NOUN
ajis02-3201	415	13	to	to	ADP
ajis02-3201	415	14	convergence	convergence	NOUN
ajis02-3201	415	15	products	product	NOUN
ajis02-3201	415	16	.	.	PUNCT
ajis02-3201	416	1	computers	computer	NOUN
ajis02-3201	416	2	in	in	ADP
ajis02-3201	416	3	human	human	ADJ
ajis02-3201	416	4	behavior	behavior	NOUN
ajis02-3201	416	5	,	,	PUNCT
ajis02-3201	416	6	69	69	NUM
ajis02-3201	416	7	,	,	PUNCT
ajis02-3201	416	8	142	142	NUM
ajis02-3201	416	9	-	-	SYM
ajis02-3201	416	10	150	150	NUM
ajis02-3201	416	11	.	.	PUNCT
ajis02-3201	417	1	patsiotis	patsiotis	PROPN
ajis02-3201	417	2	,	,	PUNCT
ajis02-3201	417	3	a.	a.	NOUN
ajis02-3201	417	4	g.	g.	PROPN
ajis02-3201	417	5	,	,	PUNCT
ajis02-3201	417	6	hughes	hughes	PROPN
ajis02-3201	417	7	,	,	PUNCT
ajis02-3201	417	8	t.	t.	PROPN
ajis02-3201	417	9	,	,	PUNCT
ajis02-3201	417	10	&	&	CCONJ
ajis02-3201	417	11	webber	webber	PROPN
ajis02-3201	417	12	,	,	PUNCT
ajis02-3201	417	13	d.	d.	PROPN
ajis02-3201	417	14	j.	j.	PROPN
ajis02-3201	417	15	(	(	PUNCT
ajis02-3201	417	16	2013	2013	NUM
ajis02-3201	417	17	)	)	PUNCT
ajis02-3201	417	18	.	.	PUNCT
ajis02-3201	418	1	an	an	DET
ajis02-3201	418	2	examination	examination	NOUN
ajis02-3201	418	3	of	of	ADP
ajis02-3201	418	4	consumers	consumer	NOUN
ajis02-3201	418	5	'	'	PART
ajis02-3201	418	6	resistance	resistance	NOUN
ajis02-3201	418	7	to	to	ADP
ajis02-3201	418	8	computer	computer	NOUN
ajis02-3201	418	9	-	-	PUNCT
ajis02-3201	418	10	based	base	VERB
ajis02-3201	418	11	technologies	technology	NOUN
ajis02-3201	418	12	.	.	PUNCT
ajis02-3201	419	1	journal	journal	PROPN
ajis02-3201	419	2	of	of	ADP
ajis02-3201	419	3	services	service	NOUN
ajis02-3201	419	4	marketing	marketing	NOUN
ajis02-3201	419	5	,	,	PUNCT
ajis02-3201	419	6	27(4	27(4	PROPN
ajis02-3201	419	7	)	)	PUNCT
ajis02-3201	419	8	,	,	PUNCT
ajis02-3201	419	9	294	294	NUM
ajis02-3201	419	10	-	-	SYM
ajis02-3201	419	11	311	311	NUM
ajis02-3201	419	12	.	.	PUNCT
ajis02-3201	420	1	podsakoff	podsakoff	NOUN
ajis02-3201	420	2	,	,	PUNCT
ajis02-3201	420	3	p.	p.	NOUN
ajis02-3201	420	4	m.	m.	NOUN
ajis02-3201	420	5	,	,	PUNCT
ajis02-3201	420	6	mackenzie	mackenzie	PROPN
ajis02-3201	420	7	,	,	PUNCT
ajis02-3201	420	8	s.	s.	PROPN
ajis02-3201	420	9	b.	b.	PROPN
ajis02-3201	420	10	,	,	PUNCT
ajis02-3201	420	11	lee	lee	PROPN
ajis02-3201	420	12	,	,	PUNCT
ajis02-3201	420	13	j.	j.	PROPN
ajis02-3201	420	14	y.	y.	PROPN
ajis02-3201	420	15	,	,	PUNCT
ajis02-3201	420	16	&	&	CCONJ
ajis02-3201	420	17	podsakoff	podsakoff	PROPN
ajis02-3201	420	18	,	,	PUNCT
ajis02-3201	421	1	n.	n.	PROPN
ajis02-3201	421	2	p.	p.	PROPN
ajis02-3201	421	3	(	(	PUNCT
ajis02-3201	421	4	2003	2003	NUM
ajis02-3201	421	5	)	)	PUNCT
ajis02-3201	421	6	.	.	PUNCT
ajis02-3201	422	1	common	common	ADJ
ajis02-3201	422	2	method	method	NOUN
ajis02-3201	422	3	biases	bias	NOUN
ajis02-3201	422	4	in	in	ADP
ajis02-3201	422	5	behavioral	behavioral	ADJ
ajis02-3201	422	6	research	research	NOUN
ajis02-3201	422	7	:	:	PUNCT
ajis02-3201	422	8	a	a	DET
ajis02-3201	422	9	critical	critical	ADJ
ajis02-3201	422	10	review	review	NOUN
ajis02-3201	422	11	of	of	ADP
ajis02-3201	422	12	the	the	DET
ajis02-3201	422	13	literature	literature	NOUN
ajis02-3201	422	14	and	and	CCONJ
ajis02-3201	422	15	recommended	recommend	VERB
ajis02-3201	422	16	remedies	remedy	NOUN
ajis02-3201	422	17	.	.	PUNCT
ajis02-3201	423	1	journal	journal	NOUN
ajis02-3201	423	2	of	of	ADP
ajis02-3201	423	3	applied	apply	VERB
ajis02-3201	423	4	psychology	psychology	NOUN
ajis02-3201	423	5	,	,	PUNCT
ajis02-3201	423	6	88(5	88(5	PROPN
ajis02-3201	423	7	)	)	PUNCT
ajis02-3201	423	8	,	,	PUNCT
ajis02-3201	423	9	879	879	NUM
ajis02-3201	423	10	-	-	SYM
ajis02-3201	423	11	903	903	NUM
ajis02-3201	423	12	.	.	PUNCT
ajis02-3201	424	1	poon	poon	NOUN
ajis02-3201	424	2	,	,	PUNCT
ajis02-3201	424	3	w.	w.	PROPN
ajis02-3201	424	4	c.	c.	PROPN
ajis02-3201	424	5	(	(	PUNCT
ajis02-3201	424	6	2008	2008	NUM
ajis02-3201	424	7	)	)	PUNCT
ajis02-3201	424	8	.	.	PUNCT
ajis02-3201	425	1	users	user	NOUN
ajis02-3201	425	2	'	'	PART
ajis02-3201	425	3	adoption	adoption	NOUN
ajis02-3201	425	4	of	of	ADP
ajis02-3201	425	5	e	e	NOUN
ajis02-3201	425	6	-	-	ADJ
ajis02-3201	425	7	banking	banking	ADJ
ajis02-3201	425	8	services	service	NOUN
ajis02-3201	425	9	:	:	PUNCT
ajis02-3201	425	10	the	the	DET
ajis02-3201	425	11	malaysian	malaysian	PROPN
ajis02-3201	425	12	perspective	perspective	PROPN
ajis02-3201	425	13	.	.	PUNCT
ajis02-3201	426	1	journal	journal	NOUN
ajis02-3201	426	2	of	of	ADP
ajis02-3201	426	3	business	business	NOUN
ajis02-3201	426	4	and	and	CCONJ
ajis02-3201	426	5	industrial	industrial	ADJ
ajis02-3201	426	6	marketing	marketing	NOUN
ajis02-3201	426	7	,	,	PUNCT
ajis02-3201	426	8	23(1	23(1	NUM
ajis02-3201	426	9	)	)	PUNCT
ajis02-3201	426	10	,	,	PUNCT
ajis02-3201	426	11	59	59	NUM
ajis02-3201	426	12	-	-	SYM
ajis02-3201	426	13	69	69	NUM
ajis02-3201	426	14	.	.	PUNCT
ajis02-3201	427	1	pousttchi	pousttchi	PROPN
ajis02-3201	427	2	k.	k.	PROPN
ajis02-3201	427	3	,	,	PUNCT
ajis02-3201	427	4	&	&	CCONJ
ajis02-3201	427	5	schurig	schurig	VERB
ajis02-3201	427	6	m.	m.	NOUN
ajis02-3201	427	7	(	(	PUNCT
ajis02-3201	427	8	2004	2004	NUM
ajis02-3201	427	9	)	)	PUNCT
ajis02-3201	427	10	.	.	PUNCT
ajis02-3201	428	1	assessment	assessment	NOUN
ajis02-3201	428	2	of	of	ADP
ajis02-3201	428	3	today	today	NOUN
ajis02-3201	428	4	's	's	PART
ajis02-3201	428	5	mobile	mobile	ADJ
ajis02-3201	428	6	banking	banking	NOUN
ajis02-3201	428	7	applications	application	NOUN
ajis02-3201	428	8	from	from	ADP
ajis02-3201	428	9	the	the	DET
ajis02-3201	428	10	view	view	NOUN
ajis02-3201	428	11	of	of	ADP
ajis02-3201	428	12	customer	customer	NOUN
ajis02-3201	428	13	requirements	requirement	NOUN
ajis02-3201	428	14	.	.	PUNCT
ajis02-3201	429	1	proceedings	proceeding	NOUN
ajis02-3201	429	2	of	of	ADP
ajis02-3201	429	3	the	the	DET
ajis02-3201	429	4	37th	37th	ADJ
ajis02-3201	429	5	hawaii	hawaii	PROPN
ajis02-3201	429	6	international	international	ADJ
ajis02-3201	429	7	conference	conference	NOUN
ajis02-3201	429	8	on	on	ADP
ajis02-3201	429	9	system	system	NOUN
ajis02-3201	429	10	sciences	science	NOUN
ajis02-3201	429	11	,	,	PUNCT
ajis02-3201	429	12	big	big	ADJ
ajis02-3201	429	13	island	island	NOUN
ajis02-3201	429	14	,	,	PUNCT
ajis02-3201	429	15	hi	hi	PROPN
ajis02-3201	429	16	,	,	PUNCT
ajis02-3201	429	17	usa	usa	PROPN
ajis02-3201	429	18	.	.	PROPN
ajis02-3201	429	19	ram	ram	PROPN
ajis02-3201	429	20	,	,	PUNCT
ajis02-3201	429	21	s.	s.	PROPN
ajis02-3201	429	22	(	(	PUNCT
ajis02-3201	429	23	1987	1987	NUM
ajis02-3201	429	24	)	)	PUNCT
ajis02-3201	429	25	.	.	PUNCT
ajis02-3201	430	1	a	a	DET
ajis02-3201	430	2	model	model	NOUN
ajis02-3201	430	3	of	of	ADP
ajis02-3201	430	4	innovation	innovation	NOUN
ajis02-3201	430	5	resistance	resistance	NOUN
ajis02-3201	430	6	.	.	PUNCT
ajis02-3201	431	1	advances	advance	NOUN
ajis02-3201	431	2	in	in	ADP
ajis02-3201	431	3	consumer	consumer	NOUN
ajis02-3201	431	4	research	research	NOUN
ajis02-3201	431	5	,	,	PUNCT
ajis02-3201	431	6	14	14	NUM
ajis02-3201	431	7	,	,	PUNCT
ajis02-3201	431	8	208	208	NUM
ajis02-3201	431	9	-	-	SYM
ajis02-3201	431	10	212	212	NUM
ajis02-3201	431	11	.	.	PUNCT
ajis02-3201	432	1	ram	ram	NOUN
ajis02-3201	432	2	,	,	PUNCT
ajis02-3201	432	3	s.	s.	PROPN
ajis02-3201	432	4	,	,	PUNCT
ajis02-3201	432	5	&	&	CCONJ
ajis02-3201	432	6	sheth	sheth	PROPN
ajis02-3201	432	7	,	,	PUNCT
ajis02-3201	432	8	j.	j.	PROPN
ajis02-3201	432	9	n.	n.	PROPN
ajis02-3201	432	10	(	(	PUNCT
ajis02-3201	432	11	1989	1989	NUM
ajis02-3201	432	12	)	)	PUNCT
ajis02-3201	432	13	.	.	PUNCT
ajis02-3201	433	1	consumer	consumer	NOUN
ajis02-3201	433	2	resistance	resistance	NOUN
ajis02-3201	433	3	to	to	ADP
ajis02-3201	433	4	innovations	innovation	NOUN
ajis02-3201	433	5	:	:	PUNCT
ajis02-3201	433	6	the	the	DET
ajis02-3201	433	7	marketing	marketing	NOUN
ajis02-3201	433	8	problem	problem	NOUN
ajis02-3201	433	9	and	and	CCONJ
ajis02-3201	433	10	its	its	PRON
ajis02-3201	433	11	solutions	solution	NOUN
ajis02-3201	433	12	.	.	PUNCT
ajis02-3201	434	1	journal	journal	NOUN
ajis02-3201	434	2	of	of	ADP
ajis02-3201	434	3	consumer	consumer	NOUN
ajis02-3201	434	4	marketing	marketing	NOUN
ajis02-3201	434	5	,	,	PUNCT
ajis02-3201	434	6	6(2	6(2	NUM
ajis02-3201	434	7	)	)	PUNCT
ajis02-3201	434	8	,	,	PUNCT
ajis02-3201	434	9	5	5	NUM
ajis02-3201	434	10	-	-	SYM
ajis02-3201	434	11	14	14	NUM
ajis02-3201	434	12	.	.	PUNCT
ajis02-3201	435	1	seth	seth	PROPN
ajis02-3201	435	2	,	,	PUNCT
ajis02-3201	435	3	h.	h.	PROPN
ajis02-3201	435	4	,	,	PUNCT
ajis02-3201	435	5	talwar	talwar	PROPN
ajis02-3201	435	6	,	,	PUNCT
ajis02-3201	435	7	s.	s.	PROPN
ajis02-3201	435	8	,	,	PUNCT
ajis02-3201	435	9	bhatia	bhatia	PROPN
ajis02-3201	435	10	,	,	PUNCT
ajis02-3201	435	11	a.	a.	PROPN
ajis02-3201	435	12	,	,	PUNCT
ajis02-3201	435	13	saxena	saxena	PROPN
ajis02-3201	435	14	,	,	PUNCT
ajis02-3201	435	15	a.	a.	PROPN
ajis02-3201	435	16	,	,	PUNCT
ajis02-3201	435	17	&	&	CCONJ
ajis02-3201	435	18	dhir	dhir	PROPN
ajis02-3201	435	19	,	,	PUNCT
ajis02-3201	435	20	a.	a.	NOUN
ajis02-3201	435	21	(	(	PUNCT
ajis02-3201	435	22	2020	2020	NUM
ajis02-3201	435	23	)	)	PUNCT
ajis02-3201	435	24	.	.	PUNCT
ajis02-3201	436	1	consumer	consumer	NOUN
ajis02-3201	436	2	resistance	resistance	NOUN
ajis02-3201	436	3	and	and	CCONJ
ajis02-3201	436	4	inertia	inertia	NOUN
ajis02-3201	436	5	of	of	ADP
ajis02-3201	436	6	retail	retail	ADJ
ajis02-3201	436	7	investors	investor	NOUN
ajis02-3201	436	8	:	:	PUNCT
ajis02-3201	436	9	development	development	NOUN
ajis02-3201	436	10	of	of	ADP
ajis02-3201	436	11	the	the	DET
ajis02-3201	436	12	resistance	resistance	NOUN
ajis02-3201	436	13	adoption	adoption	NOUN
ajis02-3201	436	14	inertia	inertia	NOUN
ajis02-3201	436	15	continuance	continuance	NOUN
ajis02-3201	436	16	(	(	PUNCT
ajis02-3201	436	17	raic	raic	NOUN
ajis02-3201	436	18	)	)	PUNCT
ajis02-3201	436	19	framework	framework	NOUN
ajis02-3201	436	20	.	.	PUNCT
ajis02-3201	437	1	journal	journal	NOUN
ajis02-3201	437	2	of	of	ADP
ajis02-3201	437	3	retailing	retailing	NOUN
ajis02-3201	437	4	and	and	CCONJ
ajis02-3201	437	5	consumer	consumer	NOUN
ajis02-3201	437	6	services	service	NOUN
ajis02-3201	437	7	,	,	PUNCT
ajis02-3201	437	8	55	55	NUM
ajis02-3201	437	9	,	,	PUNCT
ajis02-3201	437	10	102071	102071	NUM
ajis02-3201	437	11	.	.	PUNCT
ajis02-3201	438	1	sharma	sharma	PROPN
ajis02-3201	438	2	,	,	PUNCT
ajis02-3201	438	3	s.	s.	PROPN
ajis02-3201	438	4	,	,	PUNCT
ajis02-3201	438	5	singh	singh	PROPN
ajis02-3201	438	6	,	,	PUNCT
ajis02-3201	438	7	g.	g.	PROPN
ajis02-3201	438	8	,	,	PUNCT
ajis02-3201	438	9	sharma	sharma	PROPN
ajis02-3201	438	10	,	,	PUNCT
ajis02-3201	438	11	r.	r.	PROPN
ajis02-3201	438	12	,	,	PUNCT
ajis02-3201	438	13	jones	jones	PROPN
ajis02-3201	438	14	,	,	PUNCT
ajis02-3201	438	15	p.	p.	PROPN
ajis02-3201	438	16	,	,	PUNCT
ajis02-3201	438	17	kraus	kraus	PROPN
ajis02-3201	438	18	,	,	PUNCT
ajis02-3201	438	19	s.	s.	PROPN
ajis02-3201	438	20	,	,	PUNCT
ajis02-3201	438	21	&	&	CCONJ
ajis02-3201	438	22	dwivedi	dwivedi	PROPN
ajis02-3201	438	23	,	,	PUNCT
ajis02-3201	438	24	y.	y.	PROPN
ajis02-3201	438	25	k.	k.	PROPN
ajis02-3201	438	26	(	(	PUNCT
ajis02-3201	438	27	2020a	2020a	NUM
ajis02-3201	438	28	)	)	PUNCT
ajis02-3201	438	29	.	.	PUNCT
ajis02-3201	439	1	digital	digital	ADJ
ajis02-3201	439	2	health	health	NOUN
ajis02-3201	439	3	innovation	innovation	NOUN
ajis02-3201	439	4	:	:	PUNCT
ajis02-3201	439	5	exploring	explore	VERB
ajis02-3201	439	6	adoption	adoption	NOUN
ajis02-3201	439	7	of	of	ADP
ajis02-3201	439	8	covid-19	covid-19	PROPN
ajis02-3201	439	9	digital	digital	ADJ
ajis02-3201	439	10	contact	contact	NOUN
ajis02-3201	439	11	tracing	trace	VERB
ajis02-3201	439	12	apps	app	NOUN
ajis02-3201	439	13	.	.	PUNCT
ajis02-3201	440	1	ieee	ieee	NOUN
ajis02-3201	440	2	transactions	transaction	NOUN
ajis02-3201	440	3	on	on	ADP
ajis02-3201	440	4	engineering	engineering	NOUN
ajis02-3201	440	5	management	management	NOUN
ajis02-3201	440	6	,	,	PUNCT
ajis02-3201	440	7	1–17	1–17	PROPN
ajis02-3201	440	8	.	.	PUNCT
ajis02-3201	441	1	sharma	sharma	PROPN
ajis02-3201	441	2	,	,	PUNCT
ajis02-3201	441	3	s.	s.	PROPN
ajis02-3201	441	4	,	,	PUNCT
ajis02-3201	441	5	singh	singh	PROPN
ajis02-3201	441	6	,	,	PUNCT
ajis02-3201	441	7	g.	g.	PROPN
ajis02-3201	441	8	,	,	PUNCT
ajis02-3201	441	9	&	&	CCONJ
ajis02-3201	441	10	pratt	pratt	PROPN
ajis02-3201	441	11	,	,	PUNCT
ajis02-3201	441	12	s.	s.	PROPN
ajis02-3201	441	13	(	(	PUNCT
ajis02-3201	441	14	2020b	2020b	NUM
ajis02-3201	441	15	)	)	PUNCT
ajis02-3201	441	16	.	.	PUNCT
ajis02-3201	442	1	does	do	AUX
ajis02-3201	442	2	consumers	consumer	NOUN
ajis02-3201	442	3	'	'	PART
ajis02-3201	442	4	intention	intention	NOUN
ajis02-3201	442	5	to	to	PART
ajis02-3201	442	6	purchase	purchase	VERB
ajis02-3201	442	7	travel	travel	NOUN
ajis02-3201	442	8	online	online	ADV
ajis02-3201	442	9	differ	differ	VERB
ajis02-3201	442	10	across	across	ADP
ajis02-3201	442	11	generations	generation	NOUN
ajis02-3201	442	12	?	?	PUNCT
ajis02-3201	443	1	empirical	empirical	ADJ
ajis02-3201	443	2	evidence	evidence	NOUN
ajis02-3201	443	3	from	from	ADP
ajis02-3201	443	4	australia	australia	PROPN
ajis02-3201	443	5	.	.	PUNCT
ajis02-3201	444	1	australasian	australasian	ADJ
ajis02-3201	444	2	journal	journal	NOUN
ajis02-3201	444	3	of	of	ADP
ajis02-3201	444	4	information	information	NOUN
ajis02-3201	444	5	systems	system	NOUN
ajis02-3201	444	6	,	,	PUNCT
ajis02-3201	444	7	24	24	NUM
ajis02-3201	444	8	,	,	PUNCT
ajis02-3201	444	9	1	1	NUM
ajis02-3201	444	10	-	-	SYM
ajis02-3201	444	11	31	31	NUM
ajis02-3201	444	12	.	.	PUNCT
ajis02-3201	445	1	silic	silic	ADJ
ajis02-3201	445	2	,	,	PUNCT
ajis02-3201	445	3	m.	m.	NOUN
ajis02-3201	445	4	,	,	PUNCT
ajis02-3201	445	5	&	&	CCONJ
ajis02-3201	445	6	ruf	ruf	NOUN
ajis02-3201	445	7	,	,	PUNCT
ajis02-3201	445	8	c.	c.	PROPN
ajis02-3201	445	9	(	(	PUNCT
ajis02-3201	445	10	2018	2018	NUM
ajis02-3201	445	11	)	)	PUNCT
ajis02-3201	445	12	.	.	PUNCT
ajis02-3201	446	1	the	the	DET
ajis02-3201	446	2	effects	effect	NOUN
ajis02-3201	446	3	of	of	ADP
ajis02-3201	446	4	the	the	DET
ajis02-3201	446	5	elaboration	elaboration	NOUN
ajis02-3201	446	6	likelihood	likelihood	NOUN
ajis02-3201	446	7	model	model	NOUN
ajis02-3201	446	8	on	on	ADP
ajis02-3201	446	9	initial	initial	ADJ
ajis02-3201	446	10	trust	trust	NOUN
ajis02-3201	446	11	formation	formation	NOUN
ajis02-3201	446	12	in	in	ADP
ajis02-3201	446	13	financial	financial	ADJ
ajis02-3201	446	14	advisory	advisory	ADJ
ajis02-3201	446	15	services	service	NOUN
ajis02-3201	446	16	.	.	PUNCT
ajis02-3201	447	1	international	international	ADJ
ajis02-3201	447	2	journal	journal	PROPN
ajis02-3201	447	3	of	of	ADP
ajis02-3201	447	4	bank	bank	PROPN
ajis02-3201	447	5	marketing	marketing	NOUN
ajis02-3201	447	6	,	,	PUNCT
ajis02-3201	447	7	36(3	36(3	NUM
ajis02-3201	447	8	)	)	PUNCT
ajis02-3201	447	9	,	,	PUNCT
ajis02-3201	447	10	572	572	NUM
ajis02-3201	447	11	-	-	SYM
ajis02-3201	447	12	590	590	NUM
ajis02-3201	447	13	.	.	PUNCT
ajis02-3201	448	1	simard	simard	PROPN
ajis02-3201	448	2	,	,	PUNCT
ajis02-3201	448	3	r.	r.	PROPN
ajis02-3201	448	4	,	,	PUNCT
ajis02-3201	448	5	&	&	CCONJ
ajis02-3201	448	6	l'ecuyer	l'ecuyer	PROPN
ajis02-3201	448	7	,	,	PUNCT
ajis02-3201	448	8	p.	p.	NOUN
ajis02-3201	448	9	(	(	PUNCT
ajis02-3201	448	10	2011	2011	NUM
ajis02-3201	448	11	)	)	PUNCT
ajis02-3201	448	12	.	.	PUNCT
ajis02-3201	449	1	computing	compute	VERB
ajis02-3201	449	2	the	the	DET
ajis02-3201	449	3	two	two	NUM
ajis02-3201	449	4	-	-	PUNCT
ajis02-3201	449	5	sided	sided	ADJ
ajis02-3201	449	6	kolmogorov	kolmogorov	ADJ
ajis02-3201	449	7	-	-	PUNCT
ajis02-3201	449	8	smirnov	smirnov	ADJ
ajis02-3201	449	9	distribution	distribution	NOUN
ajis02-3201	449	10	.	.	PUNCT
ajis02-3201	450	1	journal	journal	NOUN
ajis02-3201	450	2	of	of	ADP
ajis02-3201	450	3	statistical	statistical	ADJ
ajis02-3201	450	4	software	software	NOUN
ajis02-3201	450	5	,	,	PUNCT
ajis02-3201	450	6	39(11	39(11	NUM
ajis02-3201	450	7	)	)	PUNCT
ajis02-3201	450	8	,	,	PUNCT
ajis02-3201	450	9	1	1	NUM
ajis02-3201	450	10	-	-	SYM
ajis02-3201	450	11	18	18	NUM
ajis02-3201	450	12	.	.	PUNCT
ajis02-3201	451	1	soh	soh	NOUN
ajis02-3201	451	2	,	,	PUNCT
ajis02-3201	451	3	p.	p.	PROPN
ajis02-3201	451	4	y.	y.	PROPN
ajis02-3201	451	5	,	,	PUNCT
ajis02-3201	451	6	heng	heng	PROPN
ajis02-3201	451	7	,	,	PUNCT
ajis02-3201	451	8	h.	h.	PROPN
ajis02-3201	451	9	b.	b.	PROPN
ajis02-3201	451	10	,	,	PUNCT
ajis02-3201	451	11	selvachandran	selvachandran	VERB
ajis02-3201	451	12	,	,	PUNCT
ajis02-3201	451	13	g.	g.	PROPN
ajis02-3201	451	14	,	,	PUNCT
ajis02-3201	451	15	anh	anh	PROPN
ajis02-3201	451	16	,	,	PUNCT
ajis02-3201	451	17	l.	l.	PROPN
ajis02-3201	451	18	q.	q.	PROPN
ajis02-3201	451	19	,	,	PUNCT
ajis02-3201	451	20	chau	chau	NOUN
ajis02-3201	451	21	,	,	PUNCT
ajis02-3201	451	22	h.	h.	PROPN
ajis02-3201	451	23	t.	t.	PROPN
ajis02-3201	451	24	m.	m.	PROPN
ajis02-3201	451	25	,	,	PUNCT
ajis02-3201	451	26	son	son	NOUN
ajis02-3201	451	27	,	,	PUNCT
ajis02-3201	451	28	l.	l.	PROPN
ajis02-3201	451	29	h.	h.	PROPN
ajis02-3201	451	30	,	,	PUNCT
ajis02-3201	451	31	abdel	abdel	PROPN
ajis02-3201	451	32	-	-	PUNCT
ajis02-3201	451	33	baset	baset	NOUN
ajis02-3201	451	34	,	,	PUNCT
ajis02-3201	451	35	m.	m.	NOUN
ajis02-3201	451	36	,	,	PUNCT
ajis02-3201	451	37	manogaran	manogaran	ADJ
ajis02-3201	451	38	,	,	PUNCT
ajis02-3201	451	39	g.	g.	NOUN
ajis02-3201	451	40	,	,	PUNCT
ajis02-3201	451	41	varatharajan	varatharajan	NOUN
ajis02-3201	451	42	,	,	PUNCT
ajis02-3201	451	43	r.	r.	PROPN
ajis02-3201	451	44	(	(	PUNCT
ajis02-3201	451	45	2020	2020	NUM
ajis02-3201	451	46	)	)	PUNCT
ajis02-3201	451	47	.	.	PUNCT
ajis02-3201	452	1	perception	perception	NOUN
ajis02-3201	452	2	,	,	PUNCT
ajis02-3201	452	3	acceptance	acceptance	NOUN
ajis02-3201	452	4	and	and	CCONJ
ajis02-3201	452	5	willingness	willingness	NOUN
ajis02-3201	452	6	of	of	ADP
ajis02-3201	452	7	australasian	australasian	ADJ
ajis02-3201	452	8	journal	journal	NOUN
ajis02-3201	452	9	of	of	ADP
ajis02-3201	452	10	information	information	NOUN
ajis02-3201	452	11	systems	system	NOUN
ajis02-3201	452	12	talwar	talwar	PROPN
ajis02-3201	452	13	et	et	PROPN
ajis02-3201	452	14	al	al	PROPN
ajis02-3201	452	15	.	.	PROPN
ajis02-3201	452	16	2021	2021	NUM
ajis02-3201	452	17	,	,	PUNCT
ajis02-3201	452	18	vol	vol	NOUN
ajis02-3201	452	19	25	25	NUM
ajis02-3201	452	20	,	,	PUNCT
ajis02-3201	452	21	research	research	NOUN
ajis02-3201	452	22	on	on	ADP
ajis02-3201	452	23	evaluation	evaluation	NOUN
ajis02-3201	452	24	a	a	DET
ajis02-3201	452	25	study	study	NOUN
ajis02-3201	452	26	of	of	ADP
ajis02-3201	452	27	mobile	mobile	ADJ
ajis02-3201	452	28	payment	payment	NOUN
ajis02-3201	452	29	innovations	innovation	NOUN
ajis02-3201	452	30	of	of	ADP
ajis02-3201	452	31	mobile	mobile	ADJ
ajis02-3201	452	32	applications	application	NOUN
ajis02-3201	452	33	24	24	NUM
ajis02-3201	452	34	older	old	ADJ
ajis02-3201	452	35	adults	adult	NOUN
ajis02-3201	452	36	in	in	ADP
ajis02-3201	452	37	malaysia	malaysia	PROPN
ajis02-3201	452	38	towards	towards	ADP
ajis02-3201	452	39	online	online	ADJ
ajis02-3201	452	40	shopping	shopping	NOUN
ajis02-3201	452	41	:	:	PUNCT
ajis02-3201	452	42	a	a	DET
ajis02-3201	452	43	study	study	NOUN
ajis02-3201	452	44	using	use	VERB
ajis02-3201	452	45	the	the	DET
ajis02-3201	452	46	utaut	utaut	PROPN
ajis02-3201	452	47	and	and	CCONJ
ajis02-3201	452	48	irt	irt	PROPN
ajis02-3201	452	49	models	model	NOUN
ajis02-3201	452	50	.	.	PUNCT
ajis02-3201	453	1	journal	journal	PROPN
ajis02-3201	453	2	of	of	ADP
ajis02-3201	453	3	ambient	ambient	ADJ
ajis02-3201	453	4	intelligence	intelligence	NOUN
ajis02-3201	453	5	and	and	CCONJ
ajis02-3201	453	6	humanized	humanize	VERB
ajis02-3201	453	7	computing	computing	NOUN
ajis02-3201	453	8	.	.	PUNCT
ajis02-3201	454	1	https://doi.org/10.1007/s12652-020-01718-4	https://doi.org/10.1007/s12652-020-01718-4	PROPN
ajis02-3201	454	2	.	.	PUNCT
ajis02-3201	455	1	suzuki	suzuki	PROPN
ajis02-3201	455	2	,	,	PUNCT
ajis02-3201	455	3	y.	y.	PROPN
ajis02-3201	455	4	,	,	PUNCT
ajis02-3201	455	5	&	&	CCONJ
ajis02-3201	455	6	williams	williams	PROPN
ajis02-3201	455	7	,	,	PUNCT
ajis02-3201	455	8	l.	l.	PROPN
ajis02-3201	455	9	r.	r.	PROPN
ajis02-3201	455	10	(	(	PUNCT
ajis02-3201	455	11	1998	1998	NUM
ajis02-3201	455	12	)	)	PUNCT
ajis02-3201	455	13	.	.	PUNCT
ajis02-3201	456	1	analysis	analysis	NOUN
ajis02-3201	456	2	of	of	ADP
ajis02-3201	456	3	edi	edi	PROPN
ajis02-3201	456	4	resistance	resistance	NOUN
ajis02-3201	456	5	behavior	behavior	NOUN
ajis02-3201	456	6	.	.	PUNCT
ajis02-3201	457	1	transportation	transportation	NOUN
ajis02-3201	457	2	journal	journal	PROPN
ajis02-3201	457	3	,	,	PUNCT
ajis02-3201	457	4	37(4	37(4	PROPN
ajis02-3201	457	5	)	)	PUNCT
ajis02-3201	457	6	,	,	PUNCT
ajis02-3201	457	7	36	36	NUM
ajis02-3201	457	8	-	-	SYM
ajis02-3201	457	9	44	44	NUM
ajis02-3201	457	10	.	.	PUNCT
ajis02-3201	458	1	szmigin	szmigin	NOUN
ajis02-3201	458	2	,	,	PUNCT
ajis02-3201	458	3	i.	i.	PROPN
ajis02-3201	458	4	,	,	PUNCT
ajis02-3201	458	5	&	&	CCONJ
ajis02-3201	458	6	foxall	foxall	PROPN
ajis02-3201	458	7	,	,	PUNCT
ajis02-3201	458	8	g.	g.	PROPN
ajis02-3201	458	9	(	(	PUNCT
ajis02-3201	458	10	1998	1998	NUM
ajis02-3201	458	11	)	)	PUNCT
ajis02-3201	458	12	.	.	PUNCT
ajis02-3201	459	1	three	three	NUM
ajis02-3201	459	2	forms	form	NOUN
ajis02-3201	459	3	of	of	ADP
ajis02-3201	459	4	innovation	innovation	NOUN
ajis02-3201	459	5	resistance	resistance	NOUN
ajis02-3201	459	6	:	:	PUNCT
ajis02-3201	459	7	the	the	DET
ajis02-3201	459	8	case	case	NOUN
ajis02-3201	459	9	of	of	ADP
ajis02-3201	459	10	retail	retail	ADJ
ajis02-3201	459	11	payment	payment	NOUN
ajis02-3201	459	12	methods	method	NOUN
ajis02-3201	459	13	.	.	PUNCT
ajis02-3201	460	1	technovation	technovation	NOUN
ajis02-3201	460	2	,	,	PUNCT
ajis02-3201	460	3	18(6	18(6	NOUN
ajis02-3201	460	4	-	-	PUNCT
ajis02-3201	460	5	7	7	NUM
ajis02-3201	460	6	)	)	PUNCT
ajis02-3201	460	7	,	,	PUNCT
ajis02-3201	460	8	459	459	NUM
ajis02-3201	460	9	-	-	SYM
ajis02-3201	460	10	468	468	NUM
ajis02-3201	460	11	.	.	PUNCT
ajis02-3201	461	1	talke	talke	PROPN
ajis02-3201	461	2	,	,	PUNCT
ajis02-3201	461	3	k.	k.	PROPN
ajis02-3201	461	4	,	,	PUNCT
ajis02-3201	461	5	&	&	CCONJ
ajis02-3201	461	6	heidenreich	heidenreich	PROPN
ajis02-3201	461	7	,	,	PUNCT
ajis02-3201	461	8	s.	s.	PROPN
ajis02-3201	461	9	(	(	PUNCT
ajis02-3201	461	10	2014	2014	NUM
ajis02-3201	461	11	)	)	PUNCT
ajis02-3201	461	12	.	.	PUNCT
ajis02-3201	462	1	how	how	SCONJ
ajis02-3201	462	2	to	to	PART
ajis02-3201	462	3	overcome	overcome	VERB
ajis02-3201	462	4	pro	pro	ADJ
ajis02-3201	462	5	-	-	ADJ
ajis02-3201	462	6	change	change	ADJ
ajis02-3201	462	7	bias	bias	NOUN
ajis02-3201	462	8	:	:	PUNCT
ajis02-3201	462	9	incorporating	incorporate	VERB
ajis02-3201	462	10	passive	passive	ADJ
ajis02-3201	462	11	and	and	CCONJ
ajis02-3201	462	12	active	active	ADJ
ajis02-3201	462	13	innovation	innovation	NOUN
ajis02-3201	462	14	resistance	resistance	NOUN
ajis02-3201	462	15	in	in	ADP
ajis02-3201	462	16	innovation	innovation	NOUN
ajis02-3201	462	17	decision	decision	NOUN
ajis02-3201	462	18	models	model	NOUN
ajis02-3201	462	19	.	.	PUNCT
ajis02-3201	463	1	journal	journal	NOUN
ajis02-3201	463	2	of	of	ADP
ajis02-3201	463	3	product	product	NOUN
ajis02-3201	463	4	innovation	innovation	NOUN
ajis02-3201	463	5	management	management	NOUN
ajis02-3201	463	6	,	,	PUNCT
ajis02-3201	463	7	31(5	31(5	NUM
ajis02-3201	463	8	)	)	PUNCT
ajis02-3201	463	9	,	,	PUNCT
ajis02-3201	463	10	894	894	NUM
ajis02-3201	463	11	-	-	SYM
ajis02-3201	463	12	907	907	NUM
ajis02-3201	463	13	.	.	PUNCT
ajis02-3201	464	1	talwar	talwar	PROPN
ajis02-3201	464	2	,	,	PUNCT
ajis02-3201	464	3	s.	s.	PROPN
ajis02-3201	464	4	,	,	PUNCT
ajis02-3201	464	5	dhir	dhir	PROPN
ajis02-3201	464	6	,	,	PUNCT
ajis02-3201	464	7	a.	a.	NOUN
ajis02-3201	464	8	,	,	PUNCT
ajis02-3201	464	9	kaur	kaur	PROPN
ajis02-3201	464	10	,	,	PUNCT
ajis02-3201	464	11	p.	p.	PROPN
ajis02-3201	464	12	,	,	PUNCT
ajis02-3201	464	13	&	&	CCONJ
ajis02-3201	464	14	mäntymäki	mäntymäki	PROPN
ajis02-3201	464	15	,	,	PUNCT
ajis02-3201	464	16	m.	m.	NOUN
ajis02-3201	464	17	(	(	PUNCT
ajis02-3201	464	18	2020b	2020b	NUM
ajis02-3201	464	19	)	)	PUNCT
ajis02-3201	464	20	.	.	PUNCT
ajis02-3201	465	1	barriers	barrier	NOUN
ajis02-3201	465	2	toward	toward	ADP
ajis02-3201	465	3	purchasing	purchase	VERB
ajis02-3201	465	4	from	from	ADP
ajis02-3201	465	5	online	online	ADJ
ajis02-3201	465	6	travel	travel	NOUN
ajis02-3201	465	7	agencies	agency	NOUN
ajis02-3201	465	8	.	.	PUNCT
ajis02-3201	466	1	international	international	ADJ
ajis02-3201	466	2	journal	journal	PROPN
ajis02-3201	466	3	of	of	ADP
ajis02-3201	466	4	hospitality	hospitality	PROPN
ajis02-3201	466	5	management	management	NOUN
ajis02-3201	466	6	.	.	PUNCT
ajis02-3201	466	7	89	89	NUM
ajis02-3201	466	8	,	,	PUNCT
ajis02-3201	466	9	102593	102593	NUM
ajis02-3201	466	10	.	.	PUNCT
ajis02-3201	467	1	talwar	talwar	PROPN
ajis02-3201	467	2	,	,	PUNCT
ajis02-3201	467	3	s.	s.	PROPN
ajis02-3201	467	4	,	,	PUNCT
ajis02-3201	467	5	dhir	dhir	PROPN
ajis02-3201	467	6	,	,	PUNCT
ajis02-3201	467	7	a.	a.	NOUN
ajis02-3201	467	8	,	,	PUNCT
ajis02-3201	467	9	kaur	kaur	PROPN
ajis02-3201	467	10	,	,	PUNCT
ajis02-3201	467	11	p.	p.	PROPN
ajis02-3201	467	12	,	,	PUNCT
ajis02-3201	467	13	&	&	CCONJ
ajis02-3201	467	14	mäntymäki	mäntymäki	PROPN
ajis02-3201	467	15	,	,	PUNCT
ajis02-3201	467	16	m.	m.	NOUN
ajis02-3201	467	17	(	(	PUNCT
ajis02-3201	467	18	2020d	2020d	NUM
ajis02-3201	467	19	)	)	PUNCT
ajis02-3201	467	20	.	.	PUNCT
ajis02-3201	468	1	why	why	SCONJ
ajis02-3201	468	2	do	do	AUX
ajis02-3201	468	3	people	people	NOUN
ajis02-3201	468	4	purchase	purchase	VERB
ajis02-3201	468	5	from	from	ADP
ajis02-3201	468	6	online	online	ADJ
ajis02-3201	468	7	travel	travel	NOUN
ajis02-3201	468	8	agencies	agency	NOUN
ajis02-3201	468	9	(	(	PUNCT
ajis02-3201	468	10	otas	otas	PROPN
ajis02-3201	468	11	)	)	PUNCT
ajis02-3201	468	12	?	?	PUNCT
ajis02-3201	469	1	a	a	DET
ajis02-3201	469	2	consumption	consumption	NOUN
ajis02-3201	469	3	values	value	NOUN
ajis02-3201	469	4	perspective	perspective	NOUN
ajis02-3201	469	5	.	.	PUNCT
ajis02-3201	470	1	international	international	ADJ
ajis02-3201	470	2	journal	journal	PROPN
ajis02-3201	470	3	of	of	ADP
ajis02-3201	470	4	hospitality	hospitality	PROPN
ajis02-3201	470	5	management	management	NOUN
ajis02-3201	470	6	,	,	PUNCT
ajis02-3201	470	7	88	88	NUM
ajis02-3201	470	8	,	,	PUNCT
ajis02-3201	470	9	102534	102534	NUM
ajis02-3201	470	10	.	.	PUNCT
ajis02-3201	471	1	talwar	talwar	PROPN
ajis02-3201	471	2	,	,	PUNCT
ajis02-3201	471	3	s.	s.	PROPN
ajis02-3201	471	4	,	,	PUNCT
ajis02-3201	471	5	dhir	dhir	PROPN
ajis02-3201	471	6	,	,	PUNCT
ajis02-3201	471	7	a.	a.	NOUN
ajis02-3201	471	8	,	,	PUNCT
ajis02-3201	471	9	kaur	kaur	PROPN
ajis02-3201	471	10	,	,	PUNCT
ajis02-3201	471	11	p.	p.	PROPN
ajis02-3201	471	12	,	,	PUNCT
ajis02-3201	471	13	zafar	zafar	PROPN
ajis02-3201	471	14	,	,	PUNCT
ajis02-3201	471	15	n.	n.	NOUN
ajis02-3201	471	16	,	,	PUNCT
ajis02-3201	471	17	&	&	CCONJ
ajis02-3201	471	18	alrasheedy	alrasheedy	PROPN
ajis02-3201	471	19	,	,	PUNCT
ajis02-3201	471	20	m.	m.	NOUN
ajis02-3201	471	21	(	(	PUNCT
ajis02-3201	471	22	2019	2019	NUM
ajis02-3201	471	23	)	)	PUNCT
ajis02-3201	471	24	.	.	PUNCT
ajis02-3201	472	1	why	why	SCONJ
ajis02-3201	472	2	do	do	AUX
ajis02-3201	472	3	people	people	NOUN
ajis02-3201	472	4	share	share	VERB
ajis02-3201	472	5	fake	fake	ADJ
ajis02-3201	472	6	news	news	NOUN
ajis02-3201	472	7	?	?	PUNCT
ajis02-3201	473	1	associations	association	NOUN
ajis02-3201	473	2	between	between	ADP
ajis02-3201	473	3	the	the	DET
ajis02-3201	473	4	dark	dark	ADJ
ajis02-3201	473	5	side	side	NOUN
ajis02-3201	473	6	of	of	ADP
ajis02-3201	473	7	social	social	ADJ
ajis02-3201	473	8	media	medium	NOUN
ajis02-3201	473	9	use	use	NOUN
ajis02-3201	473	10	and	and	CCONJ
ajis02-3201	473	11	fake	fake	ADJ
ajis02-3201	473	12	news	news	NOUN
ajis02-3201	473	13	sharing	sharing	NOUN
ajis02-3201	473	14	behavior	behavior	NOUN
ajis02-3201	473	15	.	.	PUNCT
ajis02-3201	474	1	journal	journal	PROPN
ajis02-3201	474	2	of	of	ADP
ajis02-3201	474	3	retailing	retailing	NOUN
ajis02-3201	474	4	and	and	CCONJ
ajis02-3201	474	5	consumer	consumer	NOUN
ajis02-3201	474	6	services	service	NOUN
ajis02-3201	474	7	,	,	PUNCT
ajis02-3201	474	8	51	51	NUM
ajis02-3201	474	9	,	,	PUNCT
ajis02-3201	474	10	72–82	72–82	NUM
ajis02-3201	474	11	.	.	PUNCT
ajis02-3201	475	1	talwar	talwar	PROPN
ajis02-3201	475	2	,	,	PUNCT
ajis02-3201	475	3	s.	s.	PROPN
ajis02-3201	475	4	,	,	PUNCT
ajis02-3201	475	5	dhir	dhir	PROPN
ajis02-3201	475	6	,	,	PUNCT
ajis02-3201	475	7	a.	a.	PROPN
ajis02-3201	475	8	,	,	PUNCT
ajis02-3201	475	9	khalil	khalil	PROPN
ajis02-3201	475	10	,	,	PUNCT
ajis02-3201	475	11	a.	a.	PROPN
ajis02-3201	475	12	,	,	PUNCT
ajis02-3201	475	13	mohan	mohan	PROPN
ajis02-3201	475	14	,	,	PUNCT
ajis02-3201	475	15	g.	g.	PROPN
ajis02-3201	475	16	,	,	PUNCT
ajis02-3201	475	17	islam	islam	PROPN
ajis02-3201	475	18	,	,	PUNCT
ajis02-3201	475	19	a.	a.	PROPN
ajis02-3201	475	20	k.	k.	PROPN
ajis02-3201	475	21	m.	m.	PROPN
ajis02-3201	475	22	n.	n.	PROPN
ajis02-3201	475	23	(	(	PUNCT
ajis02-3201	475	24	2020c	2020c	NUM
ajis02-3201	475	25	)	)	PUNCT
ajis02-3201	475	26	.	.	PUNCT
ajis02-3201	476	1	point	point	NOUN
ajis02-3201	476	2	of	of	ADP
ajis02-3201	476	3	adoption	adoption	NOUN
ajis02-3201	476	4	and	and	CCONJ
ajis02-3201	476	5	beyond	beyond	ADP
ajis02-3201	476	6	.	.	PUNCT
ajis02-3201	476	7	initial	initial	ADJ
ajis02-3201	476	8	trust	trust	NOUN
ajis02-3201	476	9	and	and	CCONJ
ajis02-3201	476	10	mobile	mobile	ADJ
ajis02-3201	476	11	-	-	PUNCT
ajis02-3201	476	12	payment	payment	NOUN
ajis02-3201	476	13	continuation	continuation	NOUN
ajis02-3201	476	14	intention	intention	NOUN
ajis02-3201	476	15	.	.	PUNCT
ajis02-3201	477	1	journal	journal	NOUN
ajis02-3201	477	2	of	of	ADP
ajis02-3201	477	3	retailing	retailing	NOUN
ajis02-3201	477	4	and	and	CCONJ
ajis02-3201	477	5	consumer	consumer	NOUN
ajis02-3201	477	6	services	service	NOUN
ajis02-3201	477	7	,	,	PUNCT
ajis02-3201	477	8	55	55	NUM
ajis02-3201	477	9	,	,	PUNCT
ajis02-3201	477	10	102086	102086	NUM
ajis02-3201	477	11	.	.	PUNCT
ajis02-3201	478	1	talwar	talwar	PROPN
ajis02-3201	478	2	,	,	PUNCT
ajis02-3201	478	3	m.	m.	NOUN
ajis02-3201	478	4	,	,	PUNCT
ajis02-3201	478	5	talwar	talwar	PROPN
ajis02-3201	478	6	,	,	PUNCT
ajis02-3201	478	7	s.	s.	PROPN
ajis02-3201	478	8	,	,	PUNCT
ajis02-3201	478	9	kaur	kaur	PROPN
ajis02-3201	478	10	,	,	PUNCT
ajis02-3201	478	11	p.	p.	PROPN
ajis02-3201	478	12	,	,	PUNCT
ajis02-3201	478	13	islam	islam	PROPN
ajis02-3201	478	14	,	,	PUNCT
ajis02-3201	478	15	a.	a.	PROPN
ajis02-3201	478	16	k.	k.	PROPN
ajis02-3201	478	17	m.	m.	PROPN
ajis02-3201	478	18	n.	n.	PROPN
ajis02-3201	478	19	,	,	PUNCT
ajis02-3201	478	20	&	&	CCONJ
ajis02-3201	478	21	dhir	dhir	PROPN
ajis02-3201	478	22	,	,	PUNCT
ajis02-3201	478	23	a.	a.	NOUN
ajis02-3201	478	24	(	(	PUNCT
ajis02-3201	478	25	2020e	2020e	NUM
ajis02-3201	478	26	)	)	PUNCT
ajis02-3201	478	27	.	.	PUNCT
ajis02-3201	479	1	positive	positive	ADJ
ajis02-3201	479	2	and	and	CCONJ
ajis02-3201	479	3	negative	negative	ADJ
ajis02-3201	479	4	word	word	NOUN
ajis02-3201	479	5	of	of	ADP
ajis02-3201	479	6	mouth	mouth	NOUN
ajis02-3201	479	7	(	(	PUNCT
ajis02-3201	479	8	wom	wom	PROPN
ajis02-3201	479	9	)	)	PUNCT
ajis02-3201	479	10	are	be	AUX
ajis02-3201	479	11	not	not	PART
ajis02-3201	479	12	necessarily	necessarily	ADV
ajis02-3201	479	13	opposites	opposite	NOUN
ajis02-3201	479	14	:	:	PUNCT
ajis02-3201	479	15	a	a	DET
ajis02-3201	479	16	reappraisal	reappraisal	NOUN
ajis02-3201	479	17	using	use	VERB
ajis02-3201	479	18	the	the	DET
ajis02-3201	479	19	dual	dual	ADJ
ajis02-3201	479	20	factor	factor	NOUN
ajis02-3201	479	21	theory	theory	NOUN
ajis02-3201	479	22	.	.	PUNCT
ajis02-3201	480	1	journal	journal	NOUN
ajis02-3201	480	2	of	of	ADP
ajis02-3201	480	3	retailing	retailing	NOUN
ajis02-3201	480	4	and	and	CCONJ
ajis02-3201	480	5	consumer	consumer	NOUN
ajis02-3201	480	6	services	service	NOUN
ajis02-3201	480	7	,	,	PUNCT
ajis02-3201	480	8	102396	102396	NUM
ajis02-3201	480	9	.	.	PUNCT
ajis02-3201	481	1	doi:10.1016	doi:10.1016	PROPN
ajis02-3201	481	2	/	/	SYM
ajis02-3201	481	3	j.jretconser.2020.102396	j.jretconser.2020.102396	PROPN
ajis02-3201	481	4	talwar	talwar	PROPN
ajis02-3201	481	5	,	,	PUNCT
ajis02-3201	481	6	s.	s.	PROPN
ajis02-3201	481	7	,	,	PUNCT
ajis02-3201	481	8	talwar	talwar	PROPN
ajis02-3201	481	9	,	,	PUNCT
ajis02-3201	481	10	m.	m.	NOUN
ajis02-3201	481	11	,	,	PUNCT
ajis02-3201	481	12	kaur	kaur	PROPN
ajis02-3201	481	13	,	,	PUNCT
ajis02-3201	481	14	p.	p.	PROPN
ajis02-3201	481	15	,	,	PUNCT
ajis02-3201	481	16	&	&	CCONJ
ajis02-3201	481	17	dhir	dhir	PROPN
ajis02-3201	481	18	,	,	PUNCT
ajis02-3201	481	19	a.	a.	NOUN
ajis02-3201	481	20	(	(	PUNCT
ajis02-3201	481	21	2020a	2020a	NUM
ajis02-3201	481	22	)	)	PUNCT
ajis02-3201	481	23	.	.	PUNCT
ajis02-3201	482	1	consumers	consumer	NOUN
ajis02-3201	482	2	'	'	PART
ajis02-3201	482	3	resistance	resistance	NOUN
ajis02-3201	482	4	to	to	ADP
ajis02-3201	482	5	digital	digital	ADJ
ajis02-3201	482	6	innovations	innovation	NOUN
ajis02-3201	482	7	:	:	PUNCT
ajis02-3201	482	8	a	a	DET
ajis02-3201	482	9	systematic	systematic	ADJ
ajis02-3201	482	10	review	review	NOUN
ajis02-3201	482	11	and	and	CCONJ
ajis02-3201	482	12	framework	framework	NOUN
ajis02-3201	482	13	development	development	NOUN
ajis02-3201	482	14	.	.	PUNCT
ajis02-3201	483	1	australasian	australasian	ADJ
ajis02-3201	483	2	marketing	marketing	NOUN
ajis02-3201	483	3	journal	journal	NOUN
ajis02-3201	483	4	.	.	PUNCT
ajis02-3201	484	1	https://doi.org/10.1016/j.ausmj.2020.06.014	https://doi.org/10.1016/j.ausmj.2020.06.014	PROPN
ajis02-3201	484	2	.	.	PUNCT
ajis02-3201	485	1	talwar	talwar	PROPN
ajis02-3201	485	2	,	,	PUNCT
ajis02-3201	485	3	m.	m.	NOUN
ajis02-3201	485	4	,	,	PUNCT
ajis02-3201	485	5	talwar	talwar	PROPN
ajis02-3201	485	6	,	,	PUNCT
ajis02-3201	485	7	s.	s.	PROPN
ajis02-3201	485	8	,	,	PUNCT
ajis02-3201	485	9	kaur	kaur	PROPN
ajis02-3201	485	10	,	,	PUNCT
ajis02-3201	485	11	p.	p.	PROPN
ajis02-3201	485	12	,	,	PUNCT
ajis02-3201	485	13	&	&	CCONJ
ajis02-3201	485	14	dhir	dhir	PROPN
ajis02-3201	485	15	,	,	PUNCT
ajis02-3201	485	16	a.	a.	NOUN
ajis02-3201	485	17	(	(	PUNCT
ajis02-3201	485	18	2020f	2020f	NUM
ajis02-3201	485	19	)	)	PUNCT
ajis02-3201	485	20	.	.	PUNCT
ajis02-3201	486	1	has	have	AUX
ajis02-3201	486	2	financial	financial	ADJ
ajis02-3201	486	3	attitude	attitude	NOUN
ajis02-3201	486	4	impacted	impact	VERB
ajis02-3201	486	5	the	the	DET
ajis02-3201	486	6	trading	trading	NOUN
ajis02-3201	486	7	activity	activity	NOUN
ajis02-3201	486	8	of	of	ADP
ajis02-3201	486	9	retail	retail	ADJ
ajis02-3201	486	10	investors	investor	NOUN
ajis02-3201	486	11	during	during	ADP
ajis02-3201	486	12	the	the	DET
ajis02-3201	486	13	covid-19	covid-19	PROPN
ajis02-3201	486	14	pandemic	pandemic	ADJ
ajis02-3201	486	15	?	?	PUNCT
ajis02-3201	486	16	journal	journal	NOUN
ajis02-3201	486	17	of	of	ADP
ajis02-3201	486	18	retailing	retailing	NOUN
ajis02-3201	486	19	and	and	CCONJ
ajis02-3201	486	20	consumer	consumer	NOUN
ajis02-3201	486	21	services	service	NOUN
ajis02-3201	486	22	,	,	PUNCT
ajis02-3201	486	23	58	58	NUM
ajis02-3201	486	24	,	,	PUNCT
ajis02-3201	486	25	102341	102341	NUM
ajis02-3201	486	26	.	.	PUNCT
ajis02-3201	487	1	thomas	thomas	PROPN
ajis02-3201	487	2	,	,	PUNCT
ajis02-3201	487	3	y.	y.	PROPN
ajis02-3201	487	4	,	,	PUNCT
ajis02-3201	487	5	vogel	vogel	PROPN
ajis02-3201	487	6	,	,	PUNCT
ajis02-3201	487	7	g.	g.	PROPN
ajis02-3201	487	8	,	,	PUNCT
ajis02-3201	487	9	wunderli	wunderli	NOUN
ajis02-3201	487	10	,	,	PUNCT
ajis02-3201	487	11	w.	w.	PROPN
ajis02-3201	487	12	,	,	PUNCT
ajis02-3201	487	13	suter	suter	PROPN
ajis02-3201	487	14	,	,	PUNCT
ajis02-3201	487	15	p.	p.	NOUN
ajis02-3201	487	16	,	,	PUNCT
ajis02-3201	487	17	witschi	witschi	NOUN
ajis02-3201	487	18	,	,	PUNCT
ajis02-3201	487	19	m.	m.	NOUN
ajis02-3201	487	20	,	,	PUNCT
ajis02-3201	487	21	koch	koch	PROPN
ajis02-3201	487	22	,	,	PUNCT
ajis02-3201	487	23	d.	d.	PROPN
ajis02-3201	487	24	,	,	PUNCT
ajis02-3201	487	25	tapparel	tapparel	PROPN
ajis02-3201	487	26	,	,	PUNCT
ajis02-3201	487	27	c.	c.	PROPN
ajis02-3201	487	28	,	,	PUNCT
ajis02-3201	487	29	kaiser	kaiser	PROPN
ajis02-3201	487	30	,	,	PUNCT
ajis02-3201	487	31	l.	l.	PROPN
ajis02-3201	487	32	,	,	PUNCT
ajis02-3201	487	33	(	(	PUNCT
ajis02-3201	487	34	2008	2008	NUM
ajis02-3201	487	35	)	)	PUNCT
ajis02-3201	487	36	.	.	PUNCT
ajis02-3201	488	1	survival	survival	NOUN
ajis02-3201	488	2	of	of	ADP
ajis02-3201	488	3	influenza	influenza	ADJ
ajis02-3201	488	4	virus	virus	NOUN
ajis02-3201	488	5	on	on	ADP
ajis02-3201	488	6	banknotes	banknote	NOUN
ajis02-3201	488	7	.	.	PUNCT
ajis02-3201	489	1	applied	apply	VERB
ajis02-3201	489	2	and	and	CCONJ
ajis02-3201	489	3	environmental	environmental	ADJ
ajis02-3201	489	4	microbiology	microbiology	NOUN
ajis02-3201	489	5	,	,	PUNCT
ajis02-3201	489	6	74(10	74(10	NUM
ajis02-3201	489	7	)	)	PUNCT
ajis02-3201	489	8	,	,	PUNCT
ajis02-3201	489	9	3002	3002	NUM
ajis02-3201	489	10	-	-	SYM
ajis02-3201	489	11	3007	3007	NUM
ajis02-3201	489	12	.	.	PUNCT
ajis02-3201	490	1	undp	undp	PROPN
ajis02-3201	490	2	.	.	PUNCT
ajis02-3201	490	3	(	(	PUNCT
ajis02-3201	490	4	2020	2020	NUM
ajis02-3201	490	5	)	)	PUNCT
ajis02-3201	490	6	.	.	PUNCT
ajis02-3201	491	1	covid-19	covid-19	PROPN
ajis02-3201	491	2	pandemic	pandemic	NOUN
ajis02-3201	491	3	.	.	PUNCT
ajis02-3201	492	1	retrieved	retrieve	VERB
ajis02-3201	492	2	october	october	PROPN
ajis02-3201	492	3	23	23	NUM
ajis02-3201	492	4	,	,	PUNCT
ajis02-3201	492	5	2020	2020	NUM
ajis02-3201	492	6	,	,	PUNCT
ajis02-3201	492	7	from	from	ADP
ajis02-3201	492	8	https://www.undp.org/content/undp/en/home/coronavirus.html	https://www.undp.org/content/undp/en/home/coronavirus.html	NOUN
ajis02-3201	492	9	.	.	PUNCT
ajis02-3201	493	1	who	who	PRON
ajis02-3201	493	2	.	.	PUNCT
ajis02-3201	493	3	(	(	PUNCT
ajis02-3201	493	4	2020a	2020a	NOUN
ajis02-3201	493	5	)	)	PUNCT
ajis02-3201	493	6	.	.	PUNCT
ajis02-3201	494	1	who	who	PRON
ajis02-3201	494	2	coronavirus	coronavirus	VERB
ajis02-3201	494	3	disease	disease	NOUN
ajis02-3201	494	4	(	(	PUNCT
ajis02-3201	494	5	covid-19	covid-19	PROPN
ajis02-3201	494	6	)	)	PUNCT
ajis02-3201	494	7	dashboard	dashboard	NOUN
ajis02-3201	494	8	.	.	PUNCT
ajis02-3201	495	1	retrieved	retrieve	VERB
ajis02-3201	495	2	october	october	PROPN
ajis02-3201	495	3	23	23	NUM
ajis02-3201	495	4	,	,	PUNCT
ajis02-3201	495	5	2020	2020	NUM
ajis02-3201	495	6	,	,	PUNCT
ajis02-3201	495	7	from	from	ADP
ajis02-3201	495	8	https://covid19.who.int/.	https://covid19.who.int/.	ADJ
ajis02-3201	495	9	https://covid/	https://covid/	ADJ
ajis02-3201	495	10	australasian	australasian	ADJ
ajis02-3201	495	11	journal	journal	NOUN
ajis02-3201	495	12	of	of	ADP
ajis02-3201	495	13	information	information	NOUN
ajis02-3201	495	14	systems	system	NOUN
ajis02-3201	495	15	talwar	talwar	PROPN
ajis02-3201	495	16	et	et	PROPN
ajis02-3201	495	17	al	al	PROPN
ajis02-3201	495	18	.	.	PROPN
ajis02-3201	495	19	2021	2021	NUM
ajis02-3201	495	20	,	,	PUNCT
ajis02-3201	495	21	vol	vol	NOUN
ajis02-3201	495	22	25	25	NUM
ajis02-3201	495	23	,	,	PUNCT
ajis02-3201	495	24	research	research	NOUN
ajis02-3201	495	25	on	on	ADP
ajis02-3201	495	26	evaluation	evaluation	NOUN
ajis02-3201	495	27	a	a	DET
ajis02-3201	495	28	study	study	NOUN
ajis02-3201	495	29	of	of	ADP
ajis02-3201	495	30	mobile	mobile	ADJ
ajis02-3201	495	31	payment	payment	NOUN
ajis02-3201	495	32	innovations	innovation	NOUN
ajis02-3201	495	33	of	of	ADP
ajis02-3201	495	34	mobile	mobile	ADJ
ajis02-3201	495	35	applications	application	NOUN
ajis02-3201	495	36	25	25	NUM
ajis02-3201	495	37	who	who	PRON
ajis02-3201	495	38	.	.	PUNCT
ajis02-3201	496	1	(	(	PUNCT
ajis02-3201	496	2	2020b	2020b	NUM
ajis02-3201	496	3	)	)	PUNCT
ajis02-3201	496	4	.	.	PUNCT
ajis02-3201	497	1	coronavirus	coronavirus	NOUN
ajis02-3201	497	2	disease	disease	NOUN
ajis02-3201	497	3	(	(	PUNCT
ajis02-3201	497	4	covid-19	covid-19	PROPN
ajis02-3201	497	5	):	):	PUNCT
ajis02-3201	497	6	how	how	SCONJ
ajis02-3201	497	7	is	be	AUX
ajis02-3201	497	8	it	it	PRON
ajis02-3201	497	9	transmitted	transmit	VERB
ajis02-3201	497	10	?	?	PUNCT
ajis02-3201	497	11	retrieved	retrieve	VERB
ajis02-3201	497	12	october	october	PROPN
ajis02-3201	497	13	23	23	NUM
ajis02-3201	497	14	,	,	PUNCT
ajis02-3201	497	15	2020	2020	NUM
ajis02-3201	497	16	,	,	PUNCT
ajis02-3201	497	17	from	from	ADP
ajis02-3201	497	18	https://www.who.int/news-room/q-a-detail/coronavirus-disease-covid-19how-is-it-transmitted	https://www.who.int/news-room/q-a-detail/coronavirus-disease-covid-19how-is-it-transmitted	PROPN
ajis02-3201	497	19	woodside	woodside	PROPN
ajis02-3201	497	20	,	,	PUNCT
ajis02-3201	497	21	a.g	a.g	PROPN
ajis02-3201	497	22	.	.	PROPN
ajis02-3201	497	23	,	,	PUNCT
ajis02-3201	497	24	&	&	CCONJ
ajis02-3201	497	25	biemans	bieman	NOUN
ajis02-3201	497	26	,	,	PUNCT
ajis02-3201	497	27	w.	w.	PROPN
ajis02-3201	497	28	g.	g.	PROPN
ajis02-3201	497	29	(	(	PUNCT
ajis02-3201	497	30	2005	2005	NUM
ajis02-3201	497	31	)	)	PUNCT
ajis02-3201	497	32	.	.	PUNCT
ajis02-3201	498	1	modeling	model	VERB
ajis02-3201	498	2	innovation	innovation	NOUN
ajis02-3201	498	3	,	,	PUNCT
ajis02-3201	498	4	manufacturing	manufacturing	NOUN
ajis02-3201	498	5	,	,	PUNCT
ajis02-3201	498	6	diffusion	diffusion	NOUN
ajis02-3201	498	7	,	,	PUNCT
ajis02-3201	498	8	and	and	CCONJ
ajis02-3201	498	9	adoption	adoption	NOUN
ajis02-3201	498	10	/	/	SYM
ajis02-3201	498	11	rejection	rejection	NOUN
ajis02-3201	498	12	processes	process	NOUN
ajis02-3201	498	13	.	.	PUNCT
ajis02-3201	499	1	journal	journal	NOUN
ajis02-3201	499	2	of	of	ADP
ajis02-3201	499	3	business	business	NOUN
ajis02-3201	499	4	and	and	CCONJ
ajis02-3201	499	5	industrial	industrial	ADJ
ajis02-3201	499	6	marketing	marketing	NOUN
ajis02-3201	499	7	,	,	PUNCT
ajis02-3201	499	8	20(7	20(7	NUM
ajis02-3201	499	9	)	)	PUNCT
ajis02-3201	499	10	,	,	PUNCT
ajis02-3201	499	11	380393	380393	NUM
ajis02-3201	499	12	.	.	PUNCT
ajis02-3201	500	1	xu	xu	INTJ
ajis02-3201	500	2	,	,	PUNCT
ajis02-3201	500	3	x.	x.	PROPN
ajis02-3201	500	4	,	,	PUNCT
ajis02-3201	500	5	chen	chen	PROPN
ajis02-3201	500	6	,	,	PUNCT
ajis02-3201	500	7	p.	p.	PROPN
ajis02-3201	500	8	,	,	PUNCT
ajis02-3201	500	9	wang	wang	PROPN
ajis02-3201	500	10	,	,	PUNCT
ajis02-3201	500	11	j.	j.	PROPN
ajis02-3201	500	12	,	,	PUNCT
ajis02-3201	500	13	feng	feng	PROPN
ajis02-3201	500	14	,	,	PUNCT
ajis02-3201	500	15	j.	j.	PROPN
ajis02-3201	500	16	,	,	PUNCT
ajis02-3201	500	17	zhou	zhou	PROPN
ajis02-3201	500	18	,	,	PUNCT
ajis02-3201	500	19	h.	h.	PROPN
ajis02-3201	500	20	,	,	PUNCT
ajis02-3201	500	21	li	li	PROPN
ajis02-3201	500	22	,	,	PUNCT
ajis02-3201	500	23	x.	x.	PROPN
ajis02-3201	500	24	,	,	PUNCT
ajis02-3201	500	25	zhong	zhong	PROPN
ajis02-3201	500	26	,	,	PUNCT
ajis02-3201	500	27	w.	w.	PROPN
ajis02-3201	500	28	,	,	PUNCT
ajis02-3201	500	29	&	&	CCONJ
ajis02-3201	500	30	hao	hao	PROPN
ajis02-3201	500	31	,	,	PUNCT
ajis02-3201	500	32	p.	p.	PROPN
ajis02-3201	500	33	(	(	PUNCT
ajis02-3201	500	34	2020	2020	NUM
ajis02-3201	500	35	)	)	PUNCT
ajis02-3201	500	36	.	.	PUNCT
ajis02-3201	501	1	evolution	evolution	NOUN
ajis02-3201	501	2	of	of	ADP
ajis02-3201	501	3	the	the	DET
ajis02-3201	501	4	novel	novel	ADJ
ajis02-3201	501	5	coronavirus	coronavirus	NOUN
ajis02-3201	501	6	from	from	ADP
ajis02-3201	501	7	the	the	DET
ajis02-3201	501	8	ongoing	ongoing	ADJ
ajis02-3201	501	9	wuhan	wuhan	PROPN
ajis02-3201	501	10	outbreak	outbreak	NOUN
ajis02-3201	501	11	and	and	CCONJ
ajis02-3201	501	12	modeling	modeling	NOUN
ajis02-3201	501	13	of	of	ADP
ajis02-3201	501	14	its	its	PRON
ajis02-3201	501	15	spike	spike	ADJ
ajis02-3201	501	16	protein	protein	NOUN
ajis02-3201	501	17	for	for	ADP
ajis02-3201	501	18	the	the	DET
ajis02-3201	501	19	risk	risk	NOUN
ajis02-3201	501	20	of	of	ADP
ajis02-3201	501	21	human	human	ADJ
ajis02-3201	501	22	transmission	transmission	NOUN
ajis02-3201	501	23	.	.	PUNCT
ajis02-3201	502	1	science	science	PROPN
ajis02-3201	502	2	china	china	PROPN
ajis02-3201	502	3	life	life	PROPN
ajis02-3201	502	4	sciences	sciences	PROPN
ajis02-3201	502	5	,	,	PUNCT
ajis02-3201	502	6	63(3	63(3	NUM
ajis02-3201	502	7	)	)	PUNCT
ajis02-3201	502	8	,	,	PUNCT
ajis02-3201	502	9	457	457	NUM
ajis02-3201	502	10	-	-	SYM
ajis02-3201	502	11	460	460	NUM
ajis02-3201	502	12	.	.	PUNCT
ajis02-3201	503	1	yin	yin	PROPN
ajis02-3201	503	2	,	,	PUNCT
ajis02-3201	503	3	z.	z.	PROPN
ajis02-3201	503	4	,	,	PUNCT
ajis02-3201	503	5	gong	gong	PROPN
ajis02-3201	503	6	,	,	PUNCT
ajis02-3201	503	7	x.	x.	PROPN
ajis02-3201	503	8	,	,	PUNCT
ajis02-3201	503	9	guo	guo	PROPN
ajis02-3201	503	10	,	,	PUNCT
ajis02-3201	503	11	p.	p.	PROPN
ajis02-3201	503	12	,	,	PUNCT
ajis02-3201	503	13	&	&	CCONJ
ajis02-3201	503	14	wu	wu	PROPN
ajis02-3201	503	15	,	,	PUNCT
ajis02-3201	503	16	t.	t.	PROPN
ajis02-3201	503	17	(	(	PUNCT
ajis02-3201	503	18	2019	2019	NUM
ajis02-3201	503	19	)	)	PUNCT
ajis02-3201	503	20	.	.	PUNCT
ajis02-3201	504	1	what	what	PRON
ajis02-3201	504	2	drives	drive	VERB
ajis02-3201	504	3	entrepreneurship	entrepreneurship	NOUN
ajis02-3201	504	4	in	in	ADP
ajis02-3201	504	5	digital	digital	ADJ
ajis02-3201	504	6	economy	economy	NOUN
ajis02-3201	504	7	?	?	PUNCT
ajis02-3201	505	1	evidence	evidence	NOUN
ajis02-3201	505	2	from	from	ADP
ajis02-3201	505	3	china	china	PROPN
ajis02-3201	505	4	.	.	PUNCT
ajis02-3201	506	1	economic	economic	ADJ
ajis02-3201	506	2	modelling	modelling	NOUN
ajis02-3201	506	3	,	,	PUNCT
ajis02-3201	506	4	82	82	NUM
ajis02-3201	506	5	,	,	PUNCT
ajis02-3201	506	6	66	66	NUM
ajis02-3201	506	7	-	-	SYM
ajis02-3201	506	8	73	73	NUM
ajis02-3201	506	9	appendix	appendix	NOUN
ajis02-3201	506	10	:	:	PUNCT
ajis02-3201	506	11	measurement	measurement	NOUN
ajis02-3201	506	12	items	item	NOUN
ajis02-3201	506	13	usage	usage	NOUN
ajis02-3201	506	14	barrier	barrier	NOUN
ajis02-3201	506	15	1	1	NUM
ajis02-3201	506	16	.	.	PUNCT
ajis02-3201	507	1	using	use	VERB
ajis02-3201	507	2	a	a	DET
ajis02-3201	507	3	mobile	mobile	ADJ
ajis02-3201	507	4	wallet	wallet	NOUN
ajis02-3201	507	5	for	for	ADP
ajis02-3201	507	6	sending	send	VERB
ajis02-3201	507	7	and	and	CCONJ
ajis02-3201	507	8	receiving	receive	VERB
ajis02-3201	507	9	payments	payment	NOUN
ajis02-3201	507	10	was	be	AUX
ajis02-3201	507	11	difficult	difficult	ADJ
ajis02-3201	507	12	for	for	ADP
ajis02-3201	507	13	me	i	PRON
ajis02-3201	507	14	2	2	NUM
ajis02-3201	507	15	.	.	PUNCT
ajis02-3201	507	16	using	use	VERB
ajis02-3201	507	17	a	a	DET
ajis02-3201	507	18	mobile	mobile	ADJ
ajis02-3201	507	19	wallet	wallet	NOUN
ajis02-3201	507	20	for	for	ADP
ajis02-3201	507	21	sending	send	VERB
ajis02-3201	507	22	and	and	CCONJ
ajis02-3201	507	23	receiving	receive	VERB
ajis02-3201	507	24	payments	payment	NOUN
ajis02-3201	507	25	was	be	AUX
ajis02-3201	507	26	inconvenient	inconvenient	ADJ
ajis02-3201	507	27	for	for	ADP
ajis02-3201	507	28	me	i	PRON
ajis02-3201	507	29	3	3	NUM
ajis02-3201	507	30	.	.	PUNCT
ajis02-3201	508	1	mobile	mobile	ADJ
ajis02-3201	508	2	wallets	wallet	NOUN
ajis02-3201	508	3	often	often	ADV
ajis02-3201	508	4	hang	hang	VERB
ajis02-3201	508	5	or	or	CCONJ
ajis02-3201	508	6	work	work	VERB
ajis02-3201	508	7	slowly	slowly	ADV
ajis02-3201	508	8	when	when	SCONJ
ajis02-3201	508	9	used	use	VERB
ajis02-3201	508	10	for	for	ADP
ajis02-3201	508	11	sending	send	VERB
ajis02-3201	508	12	and	and	CCONJ
ajis02-3201	508	13	receiving	receive	VERB
ajis02-3201	508	14	payments	payment	NOUN
ajis02-3201	508	15	4	4	NUM
ajis02-3201	508	16	.	.	PUNCT
ajis02-3201	509	1	the	the	DET
ajis02-3201	509	2	steps	step	NOUN
ajis02-3201	509	3	to	to	PART
ajis02-3201	509	4	use	use	VERB
ajis02-3201	509	5	mobile	mobile	ADJ
ajis02-3201	509	6	wallets	wallet	NOUN
ajis02-3201	509	7	for	for	ADP
ajis02-3201	509	8	sending	send	VERB
ajis02-3201	509	9	and	and	CCONJ
ajis02-3201	509	10	receiving	receive	VERB
ajis02-3201	509	11	payments	payment	NOUN
ajis02-3201	509	12	are	be	AUX
ajis02-3201	509	13	not	not	PART
ajis02-3201	509	14	clear	clear	ADJ
ajis02-3201	509	15	to	to	ADP
ajis02-3201	509	16	me	i	PRON
ajis02-3201	509	17	.	.	PUNCT
ajis02-3201	510	1	5	5	X
ajis02-3201	510	2	.	.	X
ajis02-3201	510	3	entering	enter	VERB
ajis02-3201	510	4	data	datum	NOUN
ajis02-3201	510	5	(	(	PUNCT
ajis02-3201	510	6	name	name	NOUN
ajis02-3201	510	7	,	,	PUNCT
ajis02-3201	510	8	age	age	NOUN
ajis02-3201	510	9	,	,	PUNCT
ajis02-3201	510	10	etc	etc	X
ajis02-3201	510	11	.	.	X
ajis02-3201	510	12	)	)	PUNCT
ajis02-3201	510	13	in	in	ADP
ajis02-3201	510	14	a	a	DET
ajis02-3201	510	15	mobile	mobile	ADJ
ajis02-3201	510	16	wallet	wallet	NOUN
ajis02-3201	510	17	for	for	ADP
ajis02-3201	510	18	sending	send	VERB
ajis02-3201	510	19	and	and	CCONJ
ajis02-3201	510	20	receiving	receive	VERB
ajis02-3201	510	21	payments	payment	NOUN
ajis02-3201	510	22	is	be	AUX
ajis02-3201	510	23	a	a	DET
ajis02-3201	510	24	complicated	complicated	ADJ
ajis02-3201	510	25	process	process	NOUN
ajis02-3201	510	26	.	.	PUNCT
ajis02-3201	511	1	value	value	NOUN
ajis02-3201	511	2	barrier	barrier	NOUN
ajis02-3201	511	3	1	1	NUM
ajis02-3201	511	4	.	.	PUNCT
ajis02-3201	512	1	a	a	DET
ajis02-3201	512	2	mobile	mobile	ADJ
ajis02-3201	512	3	wallet	wallet	NOUN
ajis02-3201	512	4	does	do	AUX
ajis02-3201	512	5	not	not	PART
ajis02-3201	512	6	offer	offer	VERB
ajis02-3201	512	7	any	any	DET
ajis02-3201	512	8	advantage	advantage	NOUN
ajis02-3201	512	9	for	for	ADP
ajis02-3201	512	10	sending	send	VERB
ajis02-3201	512	11	and	and	CCONJ
ajis02-3201	512	12	receiving	receive	VERB
ajis02-3201	512	13	payments	payment	NOUN
ajis02-3201	512	14	compared	compare	VERB
ajis02-3201	512	15	with	with	ADP
ajis02-3201	512	16	other	other	ADJ
ajis02-3201	512	17	payment	payment	NOUN
ajis02-3201	512	18	methods	method	NOUN
ajis02-3201	512	19	(	(	PUNCT
ajis02-3201	512	20	e.g.	e.g.	ADV
ajis02-3201	512	21	,	,	PUNCT
ajis02-3201	512	22	cash	cash	NOUN
ajis02-3201	512	23	,	,	PUNCT
ajis02-3201	512	24	card	card	NOUN
ajis02-3201	512	25	,	,	PUNCT
ajis02-3201	512	26	internet	internet	NOUN
ajis02-3201	512	27	banking	banking	NOUN
ajis02-3201	512	28	)	)	PUNCT
ajis02-3201	512	29	2	2	X
ajis02-3201	512	30	.	.	PUNCT
ajis02-3201	512	31	using	use	VERB
ajis02-3201	512	32	a	a	DET
ajis02-3201	512	33	mobile	mobile	ADJ
ajis02-3201	512	34	wallet	wallet	NOUN
ajis02-3201	512	35	for	for	ADP
ajis02-3201	512	36	sending	send	VERB
ajis02-3201	512	37	and	and	CCONJ
ajis02-3201	512	38	receiving	receive	VERB
ajis02-3201	512	39	payments	payment	NOUN
ajis02-3201	512	40	does	do	AUX
ajis02-3201	512	41	not	not	PART
ajis02-3201	512	42	increase	increase	VERB
ajis02-3201	512	43	my	my	PRON
ajis02-3201	512	44	ability	ability	NOUN
ajis02-3201	512	45	to	to	PART
ajis02-3201	512	46	control	control	VERB
ajis02-3201	512	47	my	my	PRON
ajis02-3201	512	48	financial	financial	ADJ
ajis02-3201	512	49	matters	matter	NOUN
ajis02-3201	512	50	by	by	ADP
ajis02-3201	512	51	myself	myself	PRON
ajis02-3201	512	52	.	.	PUNCT
ajis02-3201	513	1	3	3	X
ajis02-3201	513	2	.	.	X
ajis02-3201	513	3	mobile	mobile	ADJ
ajis02-3201	513	4	wallets	wallet	NOUN
ajis02-3201	513	5	only	only	ADV
ajis02-3201	513	6	allow	allow	VERB
ajis02-3201	513	7	a	a	DET
ajis02-3201	513	8	limited	limited	ADJ
ajis02-3201	513	9	amount	amount	NOUN
ajis02-3201	513	10	of	of	ADP
ajis02-3201	513	11	money	money	NOUN
ajis02-3201	513	12	to	to	PART
ajis02-3201	513	13	be	be	AUX
ajis02-3201	513	14	transferred	transfer	VERB
ajis02-3201	513	15	in	in	ADP
ajis02-3201	513	16	a	a	DET
ajis02-3201	513	17	day	day	NOUN
ajis02-3201	513	18	when	when	SCONJ
ajis02-3201	513	19	used	use	VERB
ajis02-3201	513	20	for	for	ADP
ajis02-3201	513	21	sending	send	VERB
ajis02-3201	513	22	and	and	CCONJ
ajis02-3201	513	23	receiving	receive	VERB
ajis02-3201	513	24	payments	payment	NOUN
ajis02-3201	513	25	4	4	NUM
ajis02-3201	513	26	.	.	PUNCT
ajis02-3201	513	27	mobile	mobile	ADJ
ajis02-3201	513	28	wallets	wallet	NOUN
ajis02-3201	513	29	do	do	AUX
ajis02-3201	513	30	not	not	PART
ajis02-3201	513	31	offer	offer	VERB
ajis02-3201	513	32	lucrative	lucrative	ADJ
ajis02-3201	513	33	promotional	promotional	ADJ
ajis02-3201	513	34	benefits	benefit	NOUN
ajis02-3201	513	35	(	(	PUNCT
ajis02-3201	513	36	discount	discount	NOUN
ajis02-3201	513	37	,	,	PUNCT
ajis02-3201	513	38	cashback	cashback	NOUN
ajis02-3201	513	39	,	,	PUNCT
ajis02-3201	513	40	etc	etc	X
ajis02-3201	513	41	.	.	X
ajis02-3201	513	42	)	)	PUNCT
ajis02-3201	513	43	when	when	SCONJ
ajis02-3201	513	44	used	use	VERB
ajis02-3201	513	45	for	for	ADP
ajis02-3201	513	46	sending	send	VERB
ajis02-3201	513	47	and	and	CCONJ
ajis02-3201	513	48	receiving	receive	VERB
ajis02-3201	513	49	payments	payment	NOUN
ajis02-3201	513	50	.	.	PUNCT
ajis02-3201	514	1	risk	risk	NOUN
ajis02-3201	514	2	barrier	barrier	NOUN
ajis02-3201	514	3	1	1	NUM
ajis02-3201	514	4	.	.	PUNCT
ajis02-3201	515	1	i	i	PRON
ajis02-3201	515	2	fear	fear	VERB
ajis02-3201	515	3	that	that	SCONJ
ajis02-3201	515	4	money	money	NOUN
ajis02-3201	515	5	may	may	AUX
ajis02-3201	515	6	be	be	AUX
ajis02-3201	515	7	transferred	transfer	VERB
ajis02-3201	515	8	to	to	ADP
ajis02-3201	515	9	the	the	DET
ajis02-3201	515	10	wrong	wrong	ADJ
ajis02-3201	515	11	contact	contact	NOUN
ajis02-3201	515	12	when	when	SCONJ
ajis02-3201	515	13	using	use	VERB
ajis02-3201	515	14	a	a	DET
ajis02-3201	515	15	mobile	mobile	ADJ
ajis02-3201	515	16	wallet	wallet	NOUN
ajis02-3201	515	17	for	for	ADP
ajis02-3201	515	18	sending	send	VERB
ajis02-3201	515	19	and	and	CCONJ
ajis02-3201	515	20	receiving	receive	VERB
ajis02-3201	515	21	payments	payment	NOUN
ajis02-3201	515	22	.	.	PUNCT
ajis02-3201	516	1	2	2	X
ajis02-3201	516	2	.	.	X
ajis02-3201	516	3	i	i	PRON
ajis02-3201	516	4	fear	fear	VERB
ajis02-3201	516	5	that	that	SCONJ
ajis02-3201	516	6	i	i	PRON
ajis02-3201	516	7	may	may	AUX
ajis02-3201	516	8	send	send	VERB
ajis02-3201	516	9	the	the	DET
ajis02-3201	516	10	wrong	wrong	ADJ
ajis02-3201	516	11	amount	amount	NOUN
ajis02-3201	516	12	(	(	PUNCT
ajis02-3201	516	13	e.g.	e.g.	ADV
ajis02-3201	516	14	,	,	PUNCT
ajis02-3201	516	15	with	with	ADP
ajis02-3201	516	16	an	an	DET
ajis02-3201	516	17	extra	extra	ADJ
ajis02-3201	516	18	zero	zero	NUM
ajis02-3201	516	19	)	)	PUNCT
ajis02-3201	516	20	when	when	SCONJ
ajis02-3201	516	21	using	use	VERB
ajis02-3201	516	22	a	a	DET
ajis02-3201	516	23	mobile	mobile	ADJ
ajis02-3201	516	24	wallet	wallet	NOUN
ajis02-3201	516	25	for	for	ADP
ajis02-3201	516	26	sending	send	VERB
ajis02-3201	516	27	payments	payment	NOUN
ajis02-3201	516	28	.	.	PUNCT
ajis02-3201	517	1	3	3	X
ajis02-3201	517	2	.	.	X
ajis02-3201	517	3	i	i	PRON
ajis02-3201	517	4	fear	fear	VERB
ajis02-3201	517	5	that	that	SCONJ
ajis02-3201	517	6	money	money	NOUN
ajis02-3201	517	7	may	may	AUX
ajis02-3201	517	8	be	be	AUX
ajis02-3201	517	9	debited	debit	VERB
ajis02-3201	517	10	multiple	multiple	ADJ
ajis02-3201	517	11	times	time	NOUN
ajis02-3201	517	12	from	from	ADP
ajis02-3201	517	13	my	my	PRON
ajis02-3201	517	14	bank	bank	NOUN
ajis02-3201	517	15	account	account	NOUN
ajis02-3201	517	16	when	when	SCONJ
ajis02-3201	517	17	using	use	VERB
ajis02-3201	517	18	a	a	DET
ajis02-3201	517	19	mobile	mobile	ADJ
ajis02-3201	517	20	wallet	wallet	NOUN
ajis02-3201	517	21	for	for	ADP
ajis02-3201	517	22	sending	send	VERB
ajis02-3201	517	23	payments	payment	NOUN
ajis02-3201	517	24	.	.	PUNCT
ajis02-3201	518	1	4	4	X
ajis02-3201	518	2	.	.	X
ajis02-3201	518	3	an	an	DET
ajis02-3201	518	4	incoming	incoming	ADJ
ajis02-3201	518	5	phone	phone	NOUN
ajis02-3201	518	6	call	call	NOUN
ajis02-3201	518	7	can	can	AUX
ajis02-3201	518	8	fail	fail	VERB
ajis02-3201	518	9	the	the	DET
ajis02-3201	518	10	in	in	ADP
ajis02-3201	518	11	-	-	PUNCT
ajis02-3201	518	12	process	process	NOUN
ajis02-3201	518	13	transaction	transaction	NOUN
ajis02-3201	518	14	on	on	ADP
ajis02-3201	518	15	a	a	DET
ajis02-3201	518	16	mobile	mobile	ADJ
ajis02-3201	518	17	wallet	wallet	NOUN
ajis02-3201	518	18	even	even	ADV
ajis02-3201	518	19	after	after	SCONJ
ajis02-3201	518	20	the	the	DET
ajis02-3201	518	21	money	money	NOUN
ajis02-3201	518	22	is	be	AUX
ajis02-3201	518	23	debited	debit	VERB
ajis02-3201	518	24	for	for	ADP
ajis02-3201	518	25	sending	send	VERB
ajis02-3201	518	26	payments	payment	NOUN
ajis02-3201	518	27	.	.	PUNCT
ajis02-3201	519	1	5	5	X
ajis02-3201	519	2	.	.	X
ajis02-3201	519	3	if	if	SCONJ
ajis02-3201	519	4	the	the	DET
ajis02-3201	519	5	network	network	NOUN
ajis02-3201	519	6	signal	signal	NOUN
ajis02-3201	519	7	is	be	AUX
ajis02-3201	519	8	low	low	ADJ
ajis02-3201	519	9	,	,	PUNCT
ajis02-3201	519	10	mobile	mobile	ADJ
ajis02-3201	519	11	wallets	wallet	NOUN
ajis02-3201	519	12	do	do	AUX
ajis02-3201	519	13	not	not	PART
ajis02-3201	519	14	process	process	VERB
ajis02-3201	519	15	the	the	DET
ajis02-3201	519	16	transaction	transaction	NOUN
ajis02-3201	519	17	for	for	ADP
ajis02-3201	519	18	sending	send	VERB
ajis02-3201	519	19	and	and	CCONJ
ajis02-3201	519	20	receiving	receive	VERB
ajis02-3201	519	21	payments	payment	NOUN
ajis02-3201	519	22	.	.	PUNCT
ajis02-3201	520	1	tradition	tradition	NOUN
ajis02-3201	520	2	barrier	barrier	NOUN
ajis02-3201	520	3	1	1	NUM
ajis02-3201	520	4	.	.	PUNCT
ajis02-3201	521	1	i	i	PRON
ajis02-3201	521	2	am	be	AUX
ajis02-3201	521	3	more	more	ADV
ajis02-3201	521	4	comfortable	comfortable	ADJ
ajis02-3201	521	5	with	with	ADP
ajis02-3201	521	6	cash	cash	NOUN
ajis02-3201	521	7	transactions	transaction	NOUN
ajis02-3201	521	8	.	.	PUNCT
ajis02-3201	522	1	2	2	X
ajis02-3201	522	2	.	.	X
ajis02-3201	522	3	mobile	mobile	ADJ
ajis02-3201	522	4	wallet	wallet	NOUN
ajis02-3201	522	5	transactions	transaction	NOUN
ajis02-3201	522	6	for	for	ADP
ajis02-3201	522	7	sending	send	VERB
ajis02-3201	522	8	and	and	CCONJ
ajis02-3201	522	9	receiving	receive	VERB
ajis02-3201	522	10	payments	payment	NOUN
ajis02-3201	522	11	seem	seem	VERB
ajis02-3201	522	12	complicated	complicated	ADJ
ajis02-3201	522	13	to	to	ADP
ajis02-3201	522	14	me	i	PRON
ajis02-3201	522	15	.	.	PUNCT
ajis02-3201	523	1	https://www/	https://www/	NOUN
ajis02-3201	523	2	australasian	australasian	ADJ
ajis02-3201	523	3	journal	journal	NOUN
ajis02-3201	523	4	of	of	ADP
ajis02-3201	523	5	information	information	NOUN
ajis02-3201	523	6	systems	system	NOUN
ajis02-3201	523	7	talwar	talwar	PROPN
ajis02-3201	523	8	et	et	PROPN
ajis02-3201	523	9	al	al	PROPN
ajis02-3201	523	10	.	.	PROPN
ajis02-3201	523	11	2021	2021	NUM
ajis02-3201	523	12	,	,	PUNCT
ajis02-3201	523	13	vol	vol	NOUN
ajis02-3201	523	14	25	25	NUM
ajis02-3201	523	15	,	,	PUNCT
ajis02-3201	523	16	research	research	NOUN
ajis02-3201	523	17	on	on	ADP
ajis02-3201	523	18	evaluation	evaluation	NOUN
ajis02-3201	523	19	a	a	DET
ajis02-3201	523	20	study	study	NOUN
ajis02-3201	523	21	of	of	ADP
ajis02-3201	523	22	mobile	mobile	ADJ
ajis02-3201	523	23	payment	payment	NOUN
ajis02-3201	523	24	innovations	innovation	NOUN
ajis02-3201	523	25	of	of	ADP
ajis02-3201	523	26	mobile	mobile	ADJ
ajis02-3201	523	27	applications	application	NOUN
ajis02-3201	523	28	26	26	NUM
ajis02-3201	523	29	3	3	NUM
ajis02-3201	523	30	.	.	PUNCT
ajis02-3201	524	1	i	i	PRON
ajis02-3201	524	2	like	like	VERB
ajis02-3201	524	3	going	go	VERB
ajis02-3201	524	4	to	to	PART
ajis02-3201	524	5	bank	bank	NOUN
ajis02-3201	524	6	branches	branch	NOUN
ajis02-3201	524	7	on	on	ADP
ajis02-3201	524	8	a	a	DET
ajis02-3201	524	9	weekday	weekday	NOUN
ajis02-3201	524	10	for	for	ADP
ajis02-3201	524	11	money	money	NOUN
ajis02-3201	524	12	transfers	transfer	NOUN
ajis02-3201	524	13	.	.	PUNCT
ajis02-3201	525	1	4	4	X
ajis02-3201	525	2	.	.	X
ajis02-3201	525	3	chatting	chat	VERB
ajis02-3201	525	4	with	with	ADP
ajis02-3201	525	5	the	the	DET
ajis02-3201	525	6	teller	teller	NOUN
ajis02-3201	525	7	in	in	ADP
ajis02-3201	525	8	the	the	DET
ajis02-3201	525	9	bank	bank	NOUN
ajis02-3201	525	10	boosts	boost	VERB
ajis02-3201	525	11	my	my	PRON
ajis02-3201	525	12	confidence	confidence	NOUN
ajis02-3201	525	13	in	in	ADP
ajis02-3201	525	14	money	money	NOUN
ajis02-3201	525	15	transfers	transfer	NOUN
ajis02-3201	525	16	.	.	PUNCT
ajis02-3201	526	1	5	5	X
ajis02-3201	526	2	.	.	X
ajis02-3201	526	3	i	i	PRON
ajis02-3201	526	4	feel	feel	VERB
ajis02-3201	526	5	that	that	SCONJ
ajis02-3201	526	6	mobile	mobile	ADJ
ajis02-3201	526	7	wallets	wallet	NOUN
ajis02-3201	526	8	are	be	AUX
ajis02-3201	526	9	not	not	PART
ajis02-3201	526	10	in	in	ADP
ajis02-3201	526	11	sync	sync	NOUN
ajis02-3201	526	12	with	with	ADP
ajis02-3201	526	13	the	the	DET
ajis02-3201	526	14	well	well	ADV
ajis02-3201	526	15	-	-	PUNCT
ajis02-3201	526	16	entrenched	entrench	VERB
ajis02-3201	526	17	ways	way	NOUN
ajis02-3201	526	18	of	of	ADP
ajis02-3201	526	19	sending	send	VERB
ajis02-3201	526	20	and	and	CCONJ
ajis02-3201	526	21	image	image	NOUN
ajis02-3201	526	22	barrier	barrier	NOUN
ajis02-3201	526	23	1	1	NUM
ajis02-3201	526	24	.	.	PUNCT
ajis02-3201	526	25	using	use	VERB
ajis02-3201	526	26	a	a	DET
ajis02-3201	526	27	mobile	mobile	ADJ
ajis02-3201	526	28	wallet	wallet	NOUN
ajis02-3201	526	29	for	for	ADP
ajis02-3201	526	30	sending	send	VERB
ajis02-3201	526	31	and	and	CCONJ
ajis02-3201	526	32	receiving	receive	VERB
ajis02-3201	526	33	payments	payment	NOUN
ajis02-3201	526	34	requires	require	VERB
ajis02-3201	526	35	a	a	DET
ajis02-3201	526	36	lot	lot	NOUN
ajis02-3201	526	37	of	of	ADP
ajis02-3201	526	38	work	work	NOUN
ajis02-3201	526	39	(	(	PUNCT
ajis02-3201	526	40	linking	link	VERB
ajis02-3201	526	41	a	a	DET
ajis02-3201	526	42	bank	bank	NOUN
ajis02-3201	526	43	account	account	NOUN
ajis02-3201	526	44	,	,	PUNCT
ajis02-3201	526	45	mobile	mobile	ADJ
ajis02-3201	526	46	number	number	NOUN
ajis02-3201	526	47	,	,	PUNCT
ajis02-3201	526	48	aadhar	aadhar	NOUN
ajis02-3201	526	49	card	card	NOUN
ajis02-3201	526	50	,	,	PUNCT
ajis02-3201	526	51	etc	etc	X
ajis02-3201	526	52	.	.	X
ajis02-3201	526	53	)	)	PUNCT
ajis02-3201	527	1	2	2	X
ajis02-3201	527	2	.	.	PUNCT
ajis02-3201	527	3	using	use	VERB
ajis02-3201	527	4	a	a	DET
ajis02-3201	527	5	mobile	mobile	ADJ
ajis02-3201	527	6	wallet	wallet	NOUN
ajis02-3201	527	7	for	for	ADP
ajis02-3201	527	8	sending	send	VERB
ajis02-3201	527	9	and	and	CCONJ
ajis02-3201	527	10	receiving	receive	VERB
ajis02-3201	527	11	payments	payment	NOUN
ajis02-3201	527	12	causes	cause	VERB
ajis02-3201	527	13	frequent	frequent	ADJ
ajis02-3201	527	14	transaction	transaction	NOUN
ajis02-3201	527	15	failures	failure	NOUN
ajis02-3201	527	16	.	.	PUNCT
ajis02-3201	528	1	3	3	X
ajis02-3201	528	2	.	.	X
ajis02-3201	528	3	using	use	VERB
ajis02-3201	528	4	a	a	DET
ajis02-3201	528	5	mobile	mobile	ADJ
ajis02-3201	528	6	wallet	wallet	NOUN
ajis02-3201	528	7	for	for	ADP
ajis02-3201	528	8	sending	send	VERB
ajis02-3201	528	9	and	and	CCONJ
ajis02-3201	528	10	receiving	receive	VERB
ajis02-3201	528	11	payments	payment	NOUN
ajis02-3201	528	12	is	be	AUX
ajis02-3201	528	13	suitable	suitable	ADJ
ajis02-3201	528	14	only	only	ADV
ajis02-3201	528	15	for	for	ADP
ajis02-3201	528	16	the	the	DET
ajis02-3201	528	17	youth	youth	NOUN
ajis02-3201	528	18	.	.	PUNCT
ajis02-3201	529	1	4	4	X
ajis02-3201	529	2	.	.	X
ajis02-3201	529	3	using	use	VERB
ajis02-3201	529	4	a	a	DET
ajis02-3201	529	5	mobile	mobile	ADJ
ajis02-3201	529	6	wallet	wallet	NOUN
ajis02-3201	529	7	for	for	ADP
ajis02-3201	529	8	sending	send	VERB
ajis02-3201	529	9	and	and	CCONJ
ajis02-3201	529	10	receiving	receive	VERB
ajis02-3201	529	11	payments	payment	NOUN
ajis02-3201	529	12	is	be	AUX
ajis02-3201	529	13	too	too	ADV
ajis02-3201	529	14	complicated	complicated	ADJ
ajis02-3201	529	15	to	to	PART
ajis02-3201	529	16	be	be	AUX
ajis02-3201	529	17	useful	useful	ADJ
ajis02-3201	529	18	.	.	PUNCT
ajis02-3201	530	1	5	5	X
ajis02-3201	530	2	.	.	X
ajis02-3201	530	3	i	i	PRON
ajis02-3201	530	4	have	have	VERB
ajis02-3201	530	5	an	an	DET
ajis02-3201	530	6	image	image	NOUN
ajis02-3201	530	7	that	that	PRON
ajis02-3201	530	8	using	use	VERB
ajis02-3201	530	9	mobile	mobile	ADJ
ajis02-3201	530	10	wallets	wallet	NOUN
ajis02-3201	530	11	for	for	ADP
ajis02-3201	530	12	sending	send	VERB
ajis02-3201	530	13	and	and	CCONJ
ajis02-3201	530	14	receiving	receive	VERB
ajis02-3201	530	15	payments	payment	NOUN
ajis02-3201	530	16	is	be	AUX
ajis02-3201	530	17	a	a	DET
ajis02-3201	530	18	difficult	difficult	ADJ
ajis02-3201	530	19	process	process	NOUN
ajis02-3201	530	20	.	.	PUNCT
ajis02-3201	531	1	postponement	postponement	NOUN
ajis02-3201	531	2	1	1	NUM
ajis02-3201	531	3	.	.	PUNCT
ajis02-3201	532	1	i	i	PRON
ajis02-3201	532	2	think	think	VERB
ajis02-3201	532	3	that	that	SCONJ
ajis02-3201	532	4	sending	send	VERB
ajis02-3201	532	5	and	and	CCONJ
ajis02-3201	532	6	receiving	receive	VERB
ajis02-3201	532	7	payments	payment	NOUN
ajis02-3201	532	8	using	use	VERB
ajis02-3201	532	9	a	a	DET
ajis02-3201	532	10	mobile	mobile	ADJ
ajis02-3201	532	11	wallet	wallet	NOUN
ajis02-3201	532	12	is	be	AUX
ajis02-3201	532	13	easy	easy	ADJ
ajis02-3201	532	14	,	,	PUNCT
ajis02-3201	532	15	but	but	CCONJ
ajis02-3201	532	16	i	i	PRON
ajis02-3201	532	17	do	do	AUX
ajis02-3201	532	18	not	not	PART
ajis02-3201	532	19	use	use	VERB
ajis02-3201	532	20	it	it	PRON
ajis02-3201	532	21	.	.	PUNCT
ajis02-3201	533	1	2	2	X
ajis02-3201	533	2	.	.	X
ajis02-3201	533	3	i	i	PRON
ajis02-3201	533	4	think	think	VERB
ajis02-3201	533	5	a	a	DET
ajis02-3201	533	6	mobile	mobile	ADJ
ajis02-3201	533	7	wallet	wallet	NOUN
ajis02-3201	533	8	is	be	AUX
ajis02-3201	533	9	useful	useful	ADJ
ajis02-3201	533	10	,	,	PUNCT
ajis02-3201	533	11	but	but	CCONJ
ajis02-3201	533	12	i	i	PRON
ajis02-3201	533	13	am	be	AUX
ajis02-3201	533	14	not	not	PART
ajis02-3201	533	15	using	use	VERB
ajis02-3201	533	16	a	a	DET
ajis02-3201	533	17	mobile	mobile	ADJ
ajis02-3201	533	18	wallet	wallet	NOUN
ajis02-3201	533	19	for	for	ADP
ajis02-3201	533	20	sending	send	VERB
ajis02-3201	533	21	and	and	CCONJ
ajis02-3201	533	22	receiving	receive	VERB
ajis02-3201	533	23	payments	payment	NOUN
ajis02-3201	533	24	now	now	ADV
ajis02-3201	533	25	.	.	PUNCT
ajis02-3201	534	1	3	3	X
ajis02-3201	534	2	.	.	X
ajis02-3201	534	3	i	i	PRON
ajis02-3201	534	4	am	be	AUX
ajis02-3201	534	5	not	not	PART
ajis02-3201	534	6	sure	sure	ADJ
ajis02-3201	534	7	whether	whether	SCONJ
ajis02-3201	534	8	using	use	VERB
ajis02-3201	534	9	a	a	DET
ajis02-3201	534	10	mobile	mobile	ADJ
ajis02-3201	534	11	wallet	wallet	NOUN
ajis02-3201	534	12	for	for	ADP
ajis02-3201	534	13	sending	send	VERB
ajis02-3201	534	14	and	and	CCONJ
ajis02-3201	534	15	receiving	receive	VERB
ajis02-3201	534	16	payments	payment	NOUN
ajis02-3201	534	17	is	be	AUX
ajis02-3201	534	18	the	the	DET
ajis02-3201	534	19	right	right	ADJ
ajis02-3201	534	20	decision	decision	NOUN
ajis02-3201	534	21	now	now	ADV
ajis02-3201	534	22	.	.	PUNCT
ajis02-3201	535	1	4	4	X
ajis02-3201	535	2	.	.	X
ajis02-3201	535	3	i	i	PRON
ajis02-3201	535	4	shall	shall	AUX
ajis02-3201	535	5	observe	observe	VERB
ajis02-3201	535	6	if	if	SCONJ
ajis02-3201	535	7	people	people	NOUN
ajis02-3201	535	8	face	face	VERB
ajis02-3201	535	9	any	any	DET
ajis02-3201	535	10	problem	problem	NOUN
ajis02-3201	535	11	with	with	ADP
ajis02-3201	535	12	using	use	VERB
ajis02-3201	535	13	a	a	DET
ajis02-3201	535	14	mobile	mobile	ADJ
ajis02-3201	535	15	wallet	wallet	NOUN
ajis02-3201	535	16	before	before	ADP
ajis02-3201	535	17	using	use	VERB
ajis02-3201	535	18	it	it	PRON
ajis02-3201	535	19	for	for	ADP
ajis02-3201	535	20	sending	send	VERB
ajis02-3201	535	21	and	and	CCONJ
ajis02-3201	535	22	receiving	receive	VERB
ajis02-3201	535	23	payments	payment	NOUN
ajis02-3201	535	24	myself	myself	PRON
ajis02-3201	535	25	.	.	PUNCT
ajis02-3201	536	1	5	5	X
ajis02-3201	536	2	.	.	X
ajis02-3201	537	1	i	i	PRON
ajis02-3201	537	2	do	do	AUX
ajis02-3201	537	3	not	not	PART
ajis02-3201	537	4	generally	generally	ADV
ajis02-3201	537	5	jump	jump	VERB
ajis02-3201	537	6	into	into	ADP
ajis02-3201	537	7	using	use	VERB
ajis02-3201	537	8	an	an	DET
ajis02-3201	537	9	innovation	innovation	NOUN
ajis02-3201	537	10	.	.	PUNCT
ajis02-3201	538	1	opposition	opposition	NOUN
ajis02-3201	538	2	1	1	NUM
ajis02-3201	538	3	.	.	PUNCT
ajis02-3201	539	1	i	i	PRON
ajis02-3201	539	2	do	do	AUX
ajis02-3201	539	3	not	not	PART
ajis02-3201	539	4	think	think	VERB
ajis02-3201	539	5	that	that	SCONJ
ajis02-3201	539	6	using	use	VERB
ajis02-3201	539	7	a	a	DET
ajis02-3201	539	8	mobile	mobile	ADJ
ajis02-3201	539	9	wallet	wallet	NOUN
ajis02-3201	539	10	for	for	ADP
ajis02-3201	539	11	sending	send	VERB
ajis02-3201	539	12	and	and	CCONJ
ajis02-3201	539	13	receiving	receive	VERB
ajis02-3201	539	14	payments	payment	NOUN
ajis02-3201	539	15	is	be	AUX
ajis02-3201	539	16	a	a	DET
ajis02-3201	539	17	good	good	ADJ
ajis02-3201	539	18	idea	idea	NOUN
ajis02-3201	539	19	.	.	PUNCT
ajis02-3201	540	1	2	2	X
ajis02-3201	540	2	.	.	X
ajis02-3201	540	3	i	i	PRON
ajis02-3201	540	4	do	do	AUX
ajis02-3201	540	5	not	not	PART
ajis02-3201	540	6	think	think	VERB
ajis02-3201	540	7	that	that	SCONJ
ajis02-3201	540	8	a	a	DET
ajis02-3201	540	9	mobile	mobile	ADJ
ajis02-3201	540	10	wallet	wallet	NOUN
ajis02-3201	540	11	is	be	AUX
ajis02-3201	540	12	useful	useful	ADJ
ajis02-3201	540	13	for	for	ADP
ajis02-3201	540	14	sending	send	VERB
ajis02-3201	540	15	and	and	CCONJ
ajis02-3201	540	16	receiving	receive	VERB
ajis02-3201	540	17	payments	payment	NOUN
ajis02-3201	540	18	.	.	PUNCT
ajis02-3201	541	1	3	3	X
ajis02-3201	541	2	.	.	X
ajis02-3201	541	3	i	i	PRON
ajis02-3201	541	4	tell	tell	VERB
ajis02-3201	541	5	my	my	PRON
ajis02-3201	541	6	friends	friend	NOUN
ajis02-3201	541	7	not	not	PART
ajis02-3201	541	8	to	to	PART
ajis02-3201	541	9	use	use	VERB
ajis02-3201	541	10	mobile	mobile	ADJ
ajis02-3201	541	11	wallets	wallet	NOUN
ajis02-3201	541	12	for	for	ADP
ajis02-3201	541	13	sending	send	VERB
ajis02-3201	541	14	and	and	CCONJ
ajis02-3201	541	15	receiving	receive	VERB
ajis02-3201	541	16	payments	payment	NOUN
ajis02-3201	541	17	.	.	PUNCT
ajis02-3201	542	1	4	4	X
ajis02-3201	542	2	.	.	X
ajis02-3201	542	3	i	i	PRON
ajis02-3201	542	4	tell	tell	VERB
ajis02-3201	542	5	my	my	PRON
ajis02-3201	542	6	friends	friend	NOUN
ajis02-3201	542	7	why	why	SCONJ
ajis02-3201	542	8	it	it	PRON
ajis02-3201	542	9	is	be	AUX
ajis02-3201	542	10	not	not	PART
ajis02-3201	542	11	a	a	DET
ajis02-3201	542	12	good	good	ADJ
ajis02-3201	542	13	idea	idea	NOUN
ajis02-3201	542	14	to	to	PART
ajis02-3201	542	15	use	use	VERB
ajis02-3201	542	16	a	a	DET
ajis02-3201	542	17	mobile	mobile	ADJ
ajis02-3201	542	18	wallet	wallet	NOUN
ajis02-3201	542	19	for	for	ADP
ajis02-3201	542	20	sending	send	VERB
ajis02-3201	542	21	and	and	CCONJ
ajis02-3201	542	22	receiving	receive	VERB
ajis02-3201	542	23	payments	payment	NOUN
ajis02-3201	542	24	.	.	PUNCT
ajis02-3201	543	1	5	5	X
ajis02-3201	543	2	.	.	X
ajis02-3201	543	3	if	if	SCONJ
ajis02-3201	543	4	a	a	DET
ajis02-3201	543	5	friend	friend	NOUN
ajis02-3201	543	6	suggests	suggest	VERB
ajis02-3201	543	7	that	that	SCONJ
ajis02-3201	543	8	a	a	DET
ajis02-3201	543	9	mobile	mobile	ADJ
ajis02-3201	543	10	wallet	wallet	NOUN
ajis02-3201	543	11	is	be	AUX
ajis02-3201	543	12	useful	useful	ADJ
ajis02-3201	543	13	for	for	ADP
ajis02-3201	543	14	sending	send	VERB
ajis02-3201	543	15	and	and	CCONJ
ajis02-3201	543	16	receiving	receive	VERB
ajis02-3201	543	17	payments	payment	NOUN
ajis02-3201	543	18	,	,	PUNCT
ajis02-3201	543	19	i	i	PRON
ajis02-3201	543	20	shall	shall	AUX
ajis02-3201	543	21	oppose	oppose	VERB
ajis02-3201	543	22	him	he	PRON
ajis02-3201	543	23	/	/	PUNCT
ajis02-3201	543	24	her	she	PRON
ajis02-3201	543	25	.	.	PUNCT
ajis02-3201	544	1	rejection	rejection	NOUN
ajis02-3201	544	2	1	1	NUM
ajis02-3201	544	3	.	.	PUNCT
ajis02-3201	545	1	i	i	PRON
ajis02-3201	545	2	think	think	VERB
ajis02-3201	545	3	that	that	SCONJ
ajis02-3201	545	4	avoiding	avoid	VERB
ajis02-3201	545	5	mobile	mobile	ADJ
ajis02-3201	545	6	wallets	wallet	NOUN
ajis02-3201	545	7	for	for	ADP
ajis02-3201	545	8	sending	send	VERB
ajis02-3201	545	9	and	and	CCONJ
ajis02-3201	545	10	receiving	receive	VERB
ajis02-3201	545	11	payments	payment	NOUN
ajis02-3201	545	12	is	be	AUX
ajis02-3201	545	13	the	the	DET
ajis02-3201	545	14	right	right	ADJ
ajis02-3201	545	15	decision	decision	NOUN
ajis02-3201	545	16	.	.	PUNCT
ajis02-3201	546	1	2	2	X
ajis02-3201	546	2	.	.	X
ajis02-3201	546	3	i	i	PRON
ajis02-3201	546	4	think	think	VERB
ajis02-3201	546	5	that	that	SCONJ
ajis02-3201	546	6	users	user	NOUN
ajis02-3201	546	7	do	do	AUX
ajis02-3201	546	8	not	not	PART
ajis02-3201	546	9	get	get	VERB
ajis02-3201	546	10	any	any	DET
ajis02-3201	546	11	financial	financial	ADJ
ajis02-3201	546	12	benefit	benefit	NOUN
ajis02-3201	546	13	from	from	ADP
ajis02-3201	546	14	sending	send	VERB
ajis02-3201	546	15	and	and	CCONJ
ajis02-3201	546	16	receiving	receive	VERB
ajis02-3201	546	17	payments	payment	NOUN
ajis02-3201	546	18	using	use	VERB
ajis02-3201	546	19	a	a	DET
ajis02-3201	546	20	mobile	mobile	ADJ
ajis02-3201	546	21	wallet	wallet	NOUN
ajis02-3201	546	22	.	.	PUNCT
ajis02-3201	547	1	3	3	X
ajis02-3201	547	2	.	.	X
ajis02-3201	548	1	i	i	PRON
ajis02-3201	548	2	do	do	AUX
ajis02-3201	548	3	not	not	PART
ajis02-3201	548	4	recommend	recommend	VERB
ajis02-3201	548	5	to	to	ADP
ajis02-3201	548	6	my	my	PRON
ajis02-3201	548	7	friends	friend	NOUN
ajis02-3201	548	8	using	use	VERB
ajis02-3201	548	9	mobile	mobile	ADJ
ajis02-3201	548	10	wallets	wallet	NOUN
ajis02-3201	548	11	for	for	ADP
ajis02-3201	548	12	sending	send	VERB
ajis02-3201	548	13	and	and	CCONJ
ajis02-3201	548	14	receiving	receive	VERB
ajis02-3201	548	15	payments	payment	NOUN
ajis02-3201	548	16	.	.	PUNCT
ajis02-3201	549	1	4	4	X
ajis02-3201	549	2	.	.	X
ajis02-3201	549	3	if	if	SCONJ
ajis02-3201	549	4	a	a	DET
ajis02-3201	549	5	friend	friend	NOUN
ajis02-3201	549	6	suggests	suggest	VERB
ajis02-3201	549	7	that	that	SCONJ
ajis02-3201	549	8	a	a	DET
ajis02-3201	549	9	mobile	mobile	ADJ
ajis02-3201	549	10	wallet	wallet	NOUN
ajis02-3201	549	11	is	be	AUX
ajis02-3201	549	12	useless	useless	ADJ
ajis02-3201	549	13	for	for	ADP
ajis02-3201	549	14	sending	send	VERB
ajis02-3201	549	15	and	and	CCONJ
ajis02-3201	549	16	receiving	receive	VERB
ajis02-3201	549	17	payments	payment	NOUN
ajis02-3201	549	18	,	,	PUNCT
ajis02-3201	549	19	i	i	PRON
ajis02-3201	549	20	shall	shall	AUX
ajis02-3201	549	21	support	support	VERB
ajis02-3201	549	22	him	he	PRON
ajis02-3201	549	23	/	/	SYM
ajis02-3201	549	24	her	she	PRON
ajis02-3201	549	25	.	.	PUNCT
ajis02-3201	550	1	australasian	australasian	ADJ
ajis02-3201	550	2	journal	journal	NOUN
ajis02-3201	550	3	of	of	ADP
ajis02-3201	550	4	information	information	NOUN
ajis02-3201	550	5	systems	system	NOUN
ajis02-3201	550	6	talwar	talwar	PROPN
ajis02-3201	550	7	et	et	PROPN
ajis02-3201	550	8	al	al	PROPN
ajis02-3201	550	9	.	.	PROPN
ajis02-3201	550	10	2021	2021	NUM
ajis02-3201	550	11	,	,	PUNCT
ajis02-3201	550	12	vol	vol	NOUN
ajis02-3201	550	13	25	25	NUM
ajis02-3201	550	14	,	,	PUNCT
ajis02-3201	550	15	research	research	NOUN
ajis02-3201	550	16	on	on	ADP
ajis02-3201	550	17	evaluation	evaluation	NOUN
ajis02-3201	550	18	a	a	DET
ajis02-3201	550	19	study	study	NOUN
ajis02-3201	550	20	of	of	ADP
ajis02-3201	550	21	mobile	mobile	ADJ
ajis02-3201	550	22	payment	payment	NOUN
ajis02-3201	550	23	innovations	innovation	NOUN
ajis02-3201	550	24	of	of	ADP
ajis02-3201	550	25	mobile	mobile	ADJ
ajis02-3201	550	26	applications	application	NOUN
ajis02-3201	550	27	27	27	NUM
ajis02-3201	550	28	copyright	copyright	NOUN
ajis02-3201	550	29	:	:	PUNCT
ajis02-3201	550	30	©	©	PROPN
ajis02-3201	550	31	2021	2021	NUM
ajis02-3201	550	32	authors	author	NOUN
ajis02-3201	550	33	.	.	PUNCT
ajis02-3201	551	1	this	this	PRON
ajis02-3201	551	2	is	be	AUX
ajis02-3201	551	3	an	an	DET
ajis02-3201	551	4	open	open	ADJ
ajis02-3201	551	5	-	-	PUNCT
ajis02-3201	551	6	access	access	NOUN
ajis02-3201	551	7	article	article	NOUN
ajis02-3201	551	8	distributed	distribute	VERB
ajis02-3201	551	9	under	under	ADP
ajis02-3201	551	10	the	the	DET
ajis02-3201	551	11	terms	term	NOUN
ajis02-3201	551	12	of	of	ADP
ajis02-3201	551	13	the	the	DET
ajis02-3201	551	14	creative	creative	ADJ
ajis02-3201	551	15	commons	common	NOUN
ajis02-3201	551	16	attribution	attribution	NOUN
ajis02-3201	551	17	-	-	PUNCT
ajis02-3201	551	18	noncommercial	noncommercial	ADJ
ajis02-3201	551	19	3.0	3.0	NUM
ajis02-3201	551	20	australia	australia	NOUN
ajis02-3201	551	21	license	license	NOUN
ajis02-3201	551	22	,	,	PUNCT
ajis02-3201	551	23	which	which	PRON
ajis02-3201	551	24	permits	permit	VERB
ajis02-3201	551	25	noncommercial	noncommercial	ADJ
ajis02-3201	551	26	use	use	NOUN
ajis02-3201	551	27	,	,	PUNCT
ajis02-3201	551	28	distribution	distribution	NOUN
ajis02-3201	551	29	,	,	PUNCT
ajis02-3201	551	30	and	and	CCONJ
ajis02-3201	551	31	reproduction	reproduction	NOUN
ajis02-3201	551	32	in	in	ADP
ajis02-3201	551	33	any	any	DET
ajis02-3201	551	34	medium	medium	NOUN
ajis02-3201	551	35	,	,	PUNCT
ajis02-3201	551	36	provided	provide	VERB
ajis02-3201	551	37	the	the	DET
ajis02-3201	551	38	original	original	ADJ
ajis02-3201	551	39	author	author	NOUN
ajis02-3201	551	40	and	and	CCONJ
ajis02-3201	551	41	ajis	ajis	ADV
ajis02-3201	551	42	are	be	AUX
ajis02-3201	551	43	credited	credit	VERB
ajis02-3201	551	44	.	.	PUNCT
ajis02-3201	552	1	doi	doi	NOUN
ajis02-3201	552	2	:	:	PUNCT
ajis02-3201	552	3	https://doi.org/10.3127/ajis.v25i0.3201	https://doi.org/10.3127/ajis.v25i0.3201	NUM
ajis02-3201	552	4	http://creativecommons.org/licenses/by-nc/3.0/au/	http://creativecommons.org/licenses/by-nc/3.0/au/	SYM
ajis02-3201	552	5	1	1	NUM
ajis02-3201	552	6	introduction	introduction	NOUN
ajis02-3201	552	7	2	2	NUM
ajis02-3201	552	8	theoretical	theoretical	ADJ
ajis02-3201	552	9	background	background	NOUN
ajis02-3201	552	10	2.1	2.1	NUM
ajis02-3201	552	11	innovation	innovation	NOUN
ajis02-3201	552	12	resistance	resistance	NOUN
ajis02-3201	552	13	theory	theory	NOUN
ajis02-3201	552	14	(	(	PUNCT
ajis02-3201	552	15	irt	irt	PROPN
ajis02-3201	552	16	)	)	PUNCT
ajis02-3201	552	17	2.2	2.2	NUM
ajis02-3201	552	18	non	non	ADJ
ajis02-3201	552	19	-	-	NOUN
ajis02-3201	552	20	adoption	adoption	NOUN
ajis02-3201	552	21	versus	versus	ADP
ajis02-3201	552	22	resistance	resistance	NOUN
ajis02-3201	552	23	toward	toward	ADP
ajis02-3201	552	24	innovations	innovation	NOUN
ajis02-3201	552	25	2.2.1	2.2.1	NUM
ajis02-3201	552	26	non	non	ADJ
ajis02-3201	552	27	-	-	NOUN
ajis02-3201	552	28	adoption	adoption	NOUN
ajis02-3201	552	29	and	and	CCONJ
ajis02-3201	552	30	resistance	resistance	NOUN
ajis02-3201	552	31	as	as	ADP
ajis02-3201	552	32	identical	identical	ADJ
ajis02-3201	552	33	concepts	concept	NOUN
ajis02-3201	552	34	2.2.2	2.2.2	NUM
ajis02-3201	552	35	resistance	resistance	NOUN
ajis02-3201	552	36	as	as	ADP
ajis02-3201	552	37	a	a	DET
ajis02-3201	552	38	subset	subset	NOUN
ajis02-3201	552	39	of	of	ADP
ajis02-3201	552	40	non	non	ADJ
ajis02-3201	552	41	-	-	NOUN
ajis02-3201	552	42	adoption	adoption	ADJ
ajis02-3201	552	43	2.2.3	2.2.3	NUM
ajis02-3201	552	44	mapping	map	VERB
ajis02-3201	552	45	non	non	ADJ
ajis02-3201	552	46	-	-	NOUN
ajis02-3201	552	47	adoption	adoption	NOUN
ajis02-3201	552	48	and	and	CCONJ
ajis02-3201	552	49	resistance	resistance	NOUN
ajis02-3201	552	50	to	to	ADP
ajis02-3201	552	51	the	the	DET
ajis02-3201	552	52	present	present	ADJ
ajis02-3201	552	53	context	context	NOUN
ajis02-3201	552	54	3	3	NUM
ajis02-3201	552	55	research	research	NOUN
ajis02-3201	552	56	model	model	NOUN
ajis02-3201	552	57	4	4	NUM
ajis02-3201	552	58	data	datum	NOUN
ajis02-3201	552	59	and	and	CCONJ
ajis02-3201	552	60	methods	method	NOUN
ajis02-3201	552	61	5	5	NUM
ajis02-3201	552	62	results	result	VERB
ajis02-3201	552	63	5.1	5.1	NUM
ajis02-3201	552	64	data	datum	NOUN
ajis02-3201	552	65	characteristics	characteristic	VERB
ajis02-3201	552	66	5.2	5.2	NUM
ajis02-3201	552	67	common	common	ADJ
ajis02-3201	552	68	method	method	NOUN
ajis02-3201	552	69	variance	variance	NOUN
ajis02-3201	552	70	(	(	PUNCT
ajis02-3201	552	71	cmv	cmv	NOUN
ajis02-3201	552	72	)	)	PUNCT
ajis02-3201	552	73	5.3	5.3	NUM
ajis02-3201	552	74	validity	validity	NOUN
ajis02-3201	552	75	and	and	CCONJ
ajis02-3201	552	76	reliability	reliability	NOUN
ajis02-3201	552	77	of	of	ADP
ajis02-3201	552	78	the	the	DET
ajis02-3201	552	79	survey	survey	NOUN
ajis02-3201	552	80	instrument	instrument	NOUN
ajis02-3201	552	81	5.4	5.4	NUM
ajis02-3201	552	82	predictive	predictive	ADJ
ajis02-3201	552	83	accuracy	accuracy	NOUN
ajis02-3201	552	84	of	of	ADP
ajis02-3201	552	85	the	the	DET
ajis02-3201	552	86	ann	ann	PROPN
ajis02-3201	552	87	models	model	VERB
ajis02-3201	552	88	5.5	5.5	NUM
ajis02-3201	552	89	sensitivity	sensitivity	NOUN
ajis02-3201	552	90	analysis	analysis	NOUN
ajis02-3201	552	91	6	6	NUM
ajis02-3201	552	92	discussion	discussion	NOUN
ajis02-3201	552	93	of	of	ADP
ajis02-3201	552	94	findings	finding	NOUN
ajis02-3201	552	95	7	7	NUM
ajis02-3201	552	96	conclusion	conclusion	NOUN
ajis02-3201	552	97	,	,	PUNCT
ajis02-3201	552	98	implications	implication	NOUN
ajis02-3201	552	99	,	,	PUNCT
ajis02-3201	552	100	limitations	limitation	NOUN
ajis02-3201	552	101	,	,	PUNCT
ajis02-3201	552	102	and	and	CCONJ
ajis02-3201	552	103	future	future	ADJ
ajis02-3201	552	104	research	research	NOUN
ajis02-3201	552	105	areas	area	NOUN
ajis02-3201	552	106	7.1	7.1	NUM
ajis02-3201	552	107	theoretical	theoretical	ADJ
ajis02-3201	552	108	implications	implication	NOUN
ajis02-3201	552	109	7.2	7.2	NUM
ajis02-3201	552	110	practical	practical	ADJ
ajis02-3201	552	111	implications	implication	NOUN
ajis02-3201	552	112	7.3	7.3	NUM
ajis02-3201	552	113	limitations	limitation	NOUN
ajis02-3201	552	114	and	and	CCONJ
ajis02-3201	552	115	future	future	ADJ
ajis02-3201	552	116	research	research	NOUN
ajis02-3201	552	117	areas	area	NOUN