id	sid	tid	token	lemma	pos
ajis02-751	1	1	the	the	DET
ajis02-751	1	2	australasian	australasian	ADJ
ajis02-751	1	3	journal	journal	NOUN
ajis02-751	1	4	of	of	ADP
ajis02-751	1	5	information	information	NOUN
ajis02-751	1	6	systems	system	NOUN
ajis02-751	1	7	(	(	PUNCT
ajis02-751	1	8	ajis	ajis	ADV
ajis02-751	1	9	)	)	PUNCT
ajis02-751	1	10	began	begin	VERB
ajis02-751	1	11	in	in	ADP
ajis02-751	1	12	1993	1993	NUM
ajis02-751	1	13	and	and	CCONJ
ajis02-751	1	14	was	be	AUX
ajis02-751	1	15	based	base	VERB
ajis02-751	1	16	on	on	ADP
ajis02-751	1	17	the	the	DET
ajis02-751	1	18	simple	simple	ADJ
ajis02-751	1	19	realisation	realisation	NOUN
ajis02-751	1	20	that	that	SCONJ
ajis02-751	1	21	there	there	PRON
ajis02-751	1	22	was	be	VERB
ajis02-751	1	23	a	a	DET
ajis02-751	1	24	need	need	NOUN
ajis02-751	1	25	for	for	ADP
ajis02-751	1	26	an	an	DET
ajis02-751	1	27	academic	academic	ADJ
ajis02-751	1	28	‘	'	PUNCT
ajis02-751	1	29	outlet	outlet	NOUN
ajis02-751	1	30	’	'	PUNCT
ajis02-751	1	31	for	for	ADP
ajis02-751	1	32	is	be	AUX
ajis02-751	1	33	research	research	NOUN
ajis02-751	1	34	in	in	ADP
ajis02-751	1	35	australia	australia	PROPN
ajis02-751	1	36	australasian	australasian	ADJ
ajis02-751	1	37	journal	journal	NOUN
ajis02-751	1	38	of	of	ADP
ajis02-751	1	39	information	information	NOUN
ajis02-751	1	40	systems	system	NOUN
ajis02-751	1	41	volume	volume	NOUN
ajis02-751	1	42	18	18	NUM
ajis02-751	1	43	number1	number1	NOUN
ajis02-751	1	44	2013	2013	NUM
ajis02-751	1	45	5	5	NUM
ajis02-751	1	46	factors	factor	NOUN
ajis02-751	1	47	affecting	affect	VERB
ajis02-751	1	48	consumers	consumer	NOUN
ajis02-751	1	49	’	'	PUNCT
ajis02-751	1	50	continued	continue	VERB
ajis02-751	1	51	use	use	NOUN
ajis02-751	1	52	of	of	ADP
ajis02-751	1	53	internet	internet	NOUN
ajis02-751	1	54	banking	banking	NOUN
ajis02-751	1	55	:	:	PUNCT
ajis02-751	1	56	empirical	empirical	ADJ
ajis02-751	1	57	evidence	evidence	NOUN
ajis02-751	1	58	from	from	ADP
ajis02-751	1	59	australia	australia	PROPN
ajis02-751	1	60	sujana	sujana	PROPN
ajis02-751	1	61	adapa	adapa	PROPN
ajis02-751	1	62	university	university	PROPN
ajis02-751	1	63	of	of	ADP
ajis02-751	1	64	new	new	PROPN
ajis02-751	1	65	england	england	PROPN
ajis02-751	1	66	adapa2@une.edu.au	adapa2@une.edu.au	PROPN
ajis02-751	1	67	ray	ray	PROPN
ajis02-751	1	68	cooksey	cooksey	NOUN
ajis02-751	1	69	university	university	PROPN
ajis02-751	1	70	of	of	ADP
ajis02-751	1	71	new	new	PROPN
ajis02-751	1	72	england	england	PROPN
ajis02-751	1	73	rcooksey@une.edu.au	rcooksey@une.edu.au	PROPN
ajis02-751	1	74	abstract	abstract	ADV
ajis02-751	1	75	the	the	DET
ajis02-751	1	76	goal	goal	NOUN
ajis02-751	1	77	of	of	ADP
ajis02-751	1	78	this	this	DET
ajis02-751	1	79	study	study	NOUN
ajis02-751	1	80	was	be	AUX
ajis02-751	1	81	to	to	PART
ajis02-751	1	82	investigate	investigate	VERB
ajis02-751	1	83	the	the	DET
ajis02-751	1	84	factors	factor	NOUN
ajis02-751	1	85	that	that	PRON
ajis02-751	1	86	influence	influence	NOUN
ajis02-751	1	87	consumer	consumer	NOUN
ajis02-751	1	88	’s	’s	PART
ajis02-751	1	89	continued	continue	VERB
ajis02-751	1	90	use	use	NOUN
ajis02-751	1	91	of	of	ADP
ajis02-751	1	92	internet	internet	NOUN
ajis02-751	1	93	banking	banking	NOUN
ajis02-751	1	94	in	in	ADP
ajis02-751	1	95	australia	australia	PROPN
ajis02-751	1	96	.	.	PUNCT
ajis02-751	2	1	patterns	pattern	NOUN
ajis02-751	2	2	of	of	ADP
ajis02-751	2	3	continued	continue	VERB
ajis02-751	2	4	use	use	NOUN
ajis02-751	2	5	of	of	ADP
ajis02-751	2	6	internet	internet	NOUN
ajis02-751	2	7	banking	banking	NOUN
ajis02-751	2	8	have	have	AUX
ajis02-751	2	9	been	be	AUX
ajis02-751	2	10	neglected	neglect	VERB
ajis02-751	2	11	as	as	ADP
ajis02-751	2	12	most	most	ADJ
ajis02-751	2	13	of	of	ADP
ajis02-751	2	14	the	the	DET
ajis02-751	2	15	existing	exist	VERB
ajis02-751	2	16	studies	study	NOUN
ajis02-751	2	17	focus	focus	VERB
ajis02-751	2	18	on	on	ADP
ajis02-751	2	19	either	either	CCONJ
ajis02-751	2	20	consumer	consumer	NOUN
ajis02-751	2	21	adoption	adoption	NOUN
ajis02-751	2	22	or	or	CCONJ
ajis02-751	2	23	acceptance	acceptance	NOUN
ajis02-751	2	24	of	of	ADP
ajis02-751	2	25	internet	internet	NOUN
ajis02-751	2	26	banking	banking	NOUN
ajis02-751	2	27	.	.	PUNCT
ajis02-751	3	1	however	however	ADV
ajis02-751	3	2	,	,	PUNCT
ajis02-751	3	3	in	in	ADP
ajis02-751	3	4	comparison	comparison	NOUN
ajis02-751	3	5	to	to	ADP
ajis02-751	3	6	new	new	ADJ
ajis02-751	3	7	customer	customer	NOUN
ajis02-751	3	8	acquisition	acquisition	NOUN
ajis02-751	3	9	,	,	PUNCT
ajis02-751	3	10	measures	measure	NOUN
ajis02-751	3	11	of	of	ADP
ajis02-751	3	12	continued	continue	VERB
ajis02-751	3	13	use	use	NOUN
ajis02-751	3	14	of	of	ADP
ajis02-751	3	15	internet	internet	NOUN
ajis02-751	3	16	banking	banking	NOUN
ajis02-751	3	17	are	be	AUX
ajis02-751	3	18	important	important	ADJ
ajis02-751	3	19	as	as	SCONJ
ajis02-751	3	20	it	it	PRON
ajis02-751	3	21	is	be	AUX
ajis02-751	3	22	related	relate	VERB
ajis02-751	3	23	to	to	ADP
ajis02-751	3	24	a	a	DET
ajis02-751	3	25	cost	cost	NOUN
ajis02-751	3	26	-	-	PUNCT
ajis02-751	3	27	effective	effective	ADJ
ajis02-751	3	28	marketing	marketing	NOUN
ajis02-751	3	29	strategy	strategy	NOUN
ajis02-751	3	30	aimed	aim	VERB
ajis02-751	3	31	at	at	ADP
ajis02-751	3	32	retaining	retain	VERB
ajis02-751	3	33	customers	customer	NOUN
ajis02-751	3	34	.	.	PUNCT
ajis02-751	4	1	the	the	DET
ajis02-751	4	2	present	present	ADJ
ajis02-751	4	3	study	study	NOUN
ajis02-751	4	4	is	be	AUX
ajis02-751	4	5	a	a	DET
ajis02-751	4	6	response	response	NOUN
ajis02-751	4	7	to	to	ADP
ajis02-751	4	8	a	a	DET
ajis02-751	4	9	gap	gap	NOUN
ajis02-751	4	10	in	in	ADP
ajis02-751	4	11	existing	exist	VERB
ajis02-751	4	12	literature	literature	NOUN
ajis02-751	4	13	which	which	PRON
ajis02-751	4	14	requires	require	VERB
ajis02-751	4	15	the	the	DET
ajis02-751	4	16	application	application	NOUN
ajis02-751	4	17	of	of	ADP
ajis02-751	4	18	more	more	ADV
ajis02-751	4	19	integrated	integrate	VERB
ajis02-751	4	20	theory	theory	NOUN
ajis02-751	4	21	testing	testing	NOUN
ajis02-751	4	22	and	and	CCONJ
ajis02-751	4	23	the	the	DET
ajis02-751	4	24	identification	identification	NOUN
ajis02-751	4	25	of	of	ADP
ajis02-751	4	26	factors	factor	NOUN
ajis02-751	4	27	that	that	PRON
ajis02-751	4	28	influence	influence	VERB
ajis02-751	4	29	the	the	DET
ajis02-751	4	30	continued	continue	VERB
ajis02-751	4	31	use	use	NOUN
ajis02-751	4	32	of	of	ADP
ajis02-751	4	33	internet	internet	NOUN
ajis02-751	4	34	banking	banking	NOUN
ajis02-751	4	35	in	in	ADP
ajis02-751	4	36	order	order	NOUN
ajis02-751	4	37	of	of	ADP
ajis02-751	4	38	importance	importance	NOUN
ajis02-751	4	39	to	to	ADP
ajis02-751	4	40	consumers	consumer	NOUN
ajis02-751	4	41	.	.	PUNCT
ajis02-751	5	1	the	the	DET
ajis02-751	5	2	study	study	NOUN
ajis02-751	5	3	sets	set	VERB
ajis02-751	5	4	out	out	ADP
ajis02-751	5	5	to	to	PART
ajis02-751	5	6	develop	develop	VERB
ajis02-751	5	7	a	a	DET
ajis02-751	5	8	conceptual	conceptual	ADJ
ajis02-751	5	9	framework	framework	NOUN
ajis02-751	5	10	based	base	VERB
ajis02-751	5	11	on	on	ADP
ajis02-751	5	12	theoretical	theoretical	ADJ
ajis02-751	5	13	models	model	NOUN
ajis02-751	5	14	related	relate	VERB
ajis02-751	5	15	to	to	ADP
ajis02-751	5	16	the	the	DET
ajis02-751	5	17	acceptance	acceptance	NOUN
ajis02-751	5	18	of	of	ADP
ajis02-751	5	19	technology	technology	NOUN
ajis02-751	5	20	and	and	CCONJ
ajis02-751	5	21	diffusion	diffusion	NOUN
ajis02-751	5	22	of	of	ADP
ajis02-751	5	23	innovations	innovation	NOUN
ajis02-751	5	24	theory	theory	NOUN
ajis02-751	5	25	.	.	PUNCT
ajis02-751	6	1	the	the	DET
ajis02-751	6	2	conceptual	conceptual	ADJ
ajis02-751	6	3	model	model	NOUN
ajis02-751	6	4	developed	develop	VERB
ajis02-751	6	5	encompasses	encompass	VERB
ajis02-751	6	6	technology	technology	NOUN
ajis02-751	6	7	,	,	PUNCT
ajis02-751	6	8	channel	channel	NOUN
ajis02-751	6	9	,	,	PUNCT
ajis02-751	6	10	social	social	ADJ
ajis02-751	6	11	and	and	CCONJ
ajis02-751	6	12	value	value	NOUN
ajis02-751	6	13	for	for	ADP
ajis02-751	6	14	money	money	NOUN
ajis02-751	6	15	factors	factor	NOUN
ajis02-751	6	16	as	as	ADP
ajis02-751	6	17	predictors	predictor	NOUN
ajis02-751	6	18	in	in	ADP
ajis02-751	6	19	the	the	DET
ajis02-751	6	20	identification	identification	NOUN
ajis02-751	6	21	of	of	ADP
ajis02-751	6	22	influential	influential	ADJ
ajis02-751	6	23	factors	factor	NOUN
ajis02-751	6	24	for	for	ADP
ajis02-751	6	25	consumers	consumer	NOUN
ajis02-751	6	26	and	and	CCONJ
ajis02-751	6	27	their	their	PRON
ajis02-751	6	28	continued	continue	VERB
ajis02-751	6	29	use	use	NOUN
ajis02-751	6	30	of	of	ADP
ajis02-751	6	31	internet	internet	NOUN
ajis02-751	6	32	banking	banking	NOUN
ajis02-751	6	33	.	.	PUNCT
ajis02-751	7	1	data	datum	NOUN
ajis02-751	7	2	were	be	AUX
ajis02-751	7	3	collected	collect	VERB
ajis02-751	7	4	using	use	VERB
ajis02-751	7	5	a	a	DET
ajis02-751	7	6	cross	cross	ADJ
ajis02-751	7	7	-	-	ADJ
ajis02-751	7	8	sectional	sectional	ADJ
ajis02-751	7	9	mall	mall	NOUN
ajis02-751	7	10	intercept	intercept	NOUN
ajis02-751	7	11	survey	survey	NOUN
ajis02-751	7	12	in	in	ADP
ajis02-751	7	13	the	the	DET
ajis02-751	7	14	western	western	ADJ
ajis02-751	7	15	sydney	sydney	PROPN
ajis02-751	7	16	region	region	NOUN
ajis02-751	7	17	,	,	PUNCT
ajis02-751	7	18	comprising	comprise	VERB
ajis02-751	7	19	a	a	DET
ajis02-751	7	20	sample	sample	NOUN
ajis02-751	7	21	of	of	ADP
ajis02-751	7	22	372	372	NUM
ajis02-751	7	23	internet	internet	NOUN
ajis02-751	7	24	banking	banking	NOUN
ajis02-751	7	25	users	user	NOUN
ajis02-751	7	26	.	.	PUNCT
ajis02-751	8	1	after	after	ADP
ajis02-751	8	2	testing	test	VERB
ajis02-751	8	3	the	the	DET
ajis02-751	8	4	data	datum	NOUN
ajis02-751	8	5	for	for	ADP
ajis02-751	8	6	accuracy	accuracy	NOUN
ajis02-751	8	7	,	,	PUNCT
ajis02-751	8	8	exploratory	exploratory	ADJ
ajis02-751	8	9	factor	factor	NOUN
ajis02-751	8	10	analysis	analysis	NOUN
ajis02-751	8	11	was	be	AUX
ajis02-751	8	12	performed	perform	VERB
ajis02-751	8	13	for	for	ADP
ajis02-751	8	14	factor	factor	NOUN
ajis02-751	8	15	clarification	clarification	NOUN
ajis02-751	8	16	on	on	ADP
ajis02-751	8	17	five	five	NUM
ajis02-751	8	18	key	key	ADJ
ajis02-751	8	19	scales	scale	NOUN
ajis02-751	8	20	related	relate	VERB
ajis02-751	8	21	to	to	ADP
ajis02-751	8	22	the	the	DET
ajis02-751	8	23	use	use	NOUN
ajis02-751	8	24	of	of	ADP
ajis02-751	8	25	internet	internet	NOUN
ajis02-751	8	26	banking	banking	NOUN
ajis02-751	8	27	service	service	NOUN
ajis02-751	8	28	delivery	delivery	NOUN
ajis02-751	8	29	based	base	VERB
ajis02-751	8	30	on	on	ADP
ajis02-751	8	31	technology	technology	NOUN
ajis02-751	8	32	,	,	PUNCT
ajis02-751	8	33	channel	channel	NOUN
ajis02-751	8	34	,	,	PUNCT
ajis02-751	8	35	social	social	ADJ
ajis02-751	8	36	,	,	PUNCT
ajis02-751	8	37	value	value	NOUN
ajis02-751	8	38	for	for	ADP
ajis02-751	8	39	money	money	NOUN
ajis02-751	8	40	and	and	CCONJ
ajis02-751	8	41	continued	continue	VERB
ajis02-751	8	42	use	use	NOUN
ajis02-751	8	43	factors	factor	NOUN
ajis02-751	8	44	.	.	PUNCT
ajis02-751	9	1	the	the	DET
ajis02-751	9	2	final	final	ADJ
ajis02-751	9	3	components	component	NOUN
ajis02-751	9	4	that	that	PRON
ajis02-751	9	5	emerged	emerge	VERB
ajis02-751	9	6	were	be	AUX
ajis02-751	9	7	employed	employ	VERB
ajis02-751	9	8	in	in	ADP
ajis02-751	9	9	hierarchical	hierarchical	ADJ
ajis02-751	9	10	multiple	multiple	ADJ
ajis02-751	9	11	regression	regression	NOUN
ajis02-751	9	12	analyses	analysis	NOUN
ajis02-751	9	13	to	to	PART
ajis02-751	9	14	test	test	VERB
ajis02-751	9	15	the	the	DET
ajis02-751	9	16	proposed	propose	VERB
ajis02-751	9	17	framework	framework	NOUN
ajis02-751	9	18	.	.	PUNCT
ajis02-751	10	1	value	value	NOUN
ajis02-751	10	2	for	for	ADP
ajis02-751	10	3	money	money	NOUN
ajis02-751	10	4	,	,	PUNCT
ajis02-751	10	5	channel	channel	NOUN
ajis02-751	10	6	and	and	CCONJ
ajis02-751	10	7	technology	technology	NOUN
ajis02-751	10	8	factors	factor	NOUN
ajis02-751	10	9	was	be	AUX
ajis02-751	10	10	found	find	VERB
ajis02-751	10	11	,	,	PUNCT
ajis02-751	10	12	in	in	ADP
ajis02-751	10	13	that	that	DET
ajis02-751	10	14	order	order	NOUN
ajis02-751	10	15	,	,	PUNCT
ajis02-751	10	16	to	to	PART
ajis02-751	10	17	be	be	AUX
ajis02-751	10	18	influential	influential	ADJ
ajis02-751	10	19	in	in	ADP
ajis02-751	10	20	predicting	predict	VERB
ajis02-751	10	21	consumers	consumer	NOUN
ajis02-751	10	22	’	'	PUNCT
ajis02-751	10	23	continued	continue	VERB
ajis02-751	10	24	use	use	NOUN
ajis02-751	10	25	of	of	ADP
ajis02-751	10	26	internet	internet	NOUN
ajis02-751	10	27	banking	banking	NOUN
ajis02-751	10	28	.	.	PUNCT
ajis02-751	11	1	keywords	keyword	NOUN
ajis02-751	11	2	:	:	PUNCT
ajis02-751	11	3	continued	continue	VERB
ajis02-751	11	4	use	use	NOUN
ajis02-751	11	5	,	,	PUNCT
ajis02-751	11	6	internet	internet	NOUN
ajis02-751	11	7	banking	banking	NOUN
ajis02-751	11	8	,	,	PUNCT
ajis02-751	11	9	value	value	NOUN
ajis02-751	11	10	for	for	ADP
ajis02-751	11	11	money	money	NOUN
ajis02-751	11	12	factors	factor	NOUN
ajis02-751	11	13	,	,	PUNCT
ajis02-751	11	14	channel	channel	NOUN
ajis02-751	11	15	factors	factor	NOUN
ajis02-751	11	16	,	,	PUNCT
ajis02-751	11	17	technology	technology	NOUN
ajis02-751	11	18	factors	factor	NOUN
ajis02-751	11	19	introduction	introduction	VERB
ajis02-751	11	20	the	the	DET
ajis02-751	11	21	traditional	traditional	ADJ
ajis02-751	11	22	modes	mode	NOUN
ajis02-751	11	23	of	of	ADP
ajis02-751	11	24	conducting	conduct	VERB
ajis02-751	11	25	many	many	ADJ
ajis02-751	11	26	businesses	business	NOUN
ajis02-751	11	27	has	have	AUX
ajis02-751	11	28	been	be	AUX
ajis02-751	11	29	changed	change	VERB
ajis02-751	11	30	over	over	ADP
ajis02-751	11	31	a	a	DET
ajis02-751	11	32	period	period	NOUN
ajis02-751	11	33	of	of	ADP
ajis02-751	11	34	time	time	NOUN
ajis02-751	11	35	due	due	ADP
ajis02-751	11	36	to	to	ADP
ajis02-751	11	37	the	the	DET
ajis02-751	11	38	advent	advent	NOUN
ajis02-751	11	39	of	of	ADP
ajis02-751	11	40	the	the	DET
ajis02-751	11	41	internet	internet	NOUN
ajis02-751	11	42	,	,	PUNCT
ajis02-751	11	43	rapid	rapid	ADJ
ajis02-751	11	44	technological	technological	ADJ
ajis02-751	11	45	evolutions	evolution	NOUN
ajis02-751	11	46	,	,	PUNCT
ajis02-751	11	47	globalisation	globalisation	NOUN
ajis02-751	11	48	,	,	PUNCT
ajis02-751	11	49	financial	financial	ADJ
ajis02-751	11	50	deregulations	deregulation	NOUN
ajis02-751	11	51	,	,	PUNCT
ajis02-751	11	52	liberalisation	liberalisation	NOUN
ajis02-751	11	53	and	and	CCONJ
ajis02-751	11	54	consolidation	consolidation	NOUN
ajis02-751	11	55	of	of	ADP
ajis02-751	11	56	the	the	DET
ajis02-751	11	57	financial	financial	ADJ
ajis02-751	11	58	markets	market	NOUN
ajis02-751	11	59	(	(	PUNCT
ajis02-751	11	60	mia	mia	X
ajis02-751	11	61	et	et	PROPN
ajis02-751	11	62	al	al	PROPN
ajis02-751	11	63	.	.	PROPN
ajis02-751	11	64	2007	2007	NUM
ajis02-751	11	65	)	)	PUNCT
ajis02-751	11	66	.	.	PUNCT
ajis02-751	12	1	several	several	ADJ
ajis02-751	12	2	modern	modern	ADJ
ajis02-751	12	3	businesses	business	NOUN
ajis02-751	12	4	mailto:adapa2@une.edu.au	mailto:adapa2@une.edu.au	PROPN
ajis02-751	12	5	mailto:rcooksey@une.edu.au	mailto:rcooksey@une.edu.au	PROPN
ajis02-751	12	6	australasian	australasian	ADJ
ajis02-751	12	7	journal	journal	NOUN
ajis02-751	12	8	of	of	ADP
ajis02-751	12	9	information	information	NOUN
ajis02-751	12	10	systems	system	NOUN
ajis02-751	12	11	volume	volume	NOUN
ajis02-751	12	12	18	18	NUM
ajis02-751	12	13	number1	number1	NOUN
ajis02-751	12	14	2013	2013	NUM
ajis02-751	12	15	6	6	NUM
ajis02-751	12	16	are	be	AUX
ajis02-751	12	17	also	also	ADV
ajis02-751	12	18	utilising	utilise	VERB
ajis02-751	12	19	technological	technological	ADJ
ajis02-751	12	20	advancements	advancement	NOUN
ajis02-751	12	21	in	in	ADP
ajis02-751	12	22	order	order	NOUN
ajis02-751	12	23	to	to	PART
ajis02-751	12	24	make	make	VERB
ajis02-751	12	25	their	their	PRON
ajis02-751	12	26	services	service	NOUN
ajis02-751	12	27	more	more	ADV
ajis02-751	12	28	accessible	accessible	ADJ
ajis02-751	12	29	to	to	ADP
ajis02-751	12	30	consumers	consumer	NOUN
ajis02-751	12	31	(	(	PUNCT
ajis02-751	12	32	reid	reid	PROPN
ajis02-751	12	33	&	&	CCONJ
ajis02-751	12	34	levy	levy	PROPN
ajis02-751	12	35	2008	2008	NUM
ajis02-751	12	36	)	)	PUNCT
ajis02-751	12	37	.	.	PUNCT
ajis02-751	13	1	the	the	DET
ajis02-751	13	2	retail	retail	ADJ
ajis02-751	13	3	banking	banking	NOUN
ajis02-751	13	4	sector	sector	NOUN
ajis02-751	13	5	is	be	AUX
ajis02-751	13	6	one	one	NUM
ajis02-751	13	7	such	such	ADJ
ajis02-751	13	8	business	business	NOUN
ajis02-751	13	9	entity	entity	NOUN
ajis02-751	13	10	that	that	PRON
ajis02-751	13	11	has	have	AUX
ajis02-751	13	12	been	be	AUX
ajis02-751	13	13	using	use	VERB
ajis02-751	13	14	a	a	DET
ajis02-751	13	15	wider	wide	ADJ
ajis02-751	13	16	array	array	NOUN
ajis02-751	13	17	of	of	ADP
ajis02-751	13	18	information	information	NOUN
ajis02-751	13	19	systems	system	NOUN
ajis02-751	13	20	to	to	PART
ajis02-751	13	21	satisfy	satisfy	VERB
ajis02-751	13	22	its	its	PRON
ajis02-751	13	23	customers	customer	NOUN
ajis02-751	13	24	(	(	PUNCT
ajis02-751	13	25	wresch	wresch	PROPN
ajis02-751	13	26	&	&	CCONJ
ajis02-751	13	27	fraser	fraser	NOUN
ajis02-751	13	28	2006	2006	NUM
ajis02-751	13	29	)	)	PUNCT
ajis02-751	13	30	.	.	PUNCT
ajis02-751	14	1	the	the	DET
ajis02-751	14	2	retail	retail	ADJ
ajis02-751	14	3	banking	banking	NOUN
ajis02-751	14	4	industry	industry	NOUN
ajis02-751	14	5	has	have	AUX
ajis02-751	14	6	also	also	ADV
ajis02-751	14	7	realised	realise	VERB
ajis02-751	14	8	that	that	SCONJ
ajis02-751	14	9	relying	rely	VERB
ajis02-751	14	10	exclusively	exclusively	ADV
ajis02-751	14	11	on	on	ADP
ajis02-751	14	12	the	the	DET
ajis02-751	14	13	traditional	traditional	ADJ
ajis02-751	14	14	price	price	NOUN
ajis02-751	14	15	-	-	PUNCT
ajis02-751	14	16	related	relate	VERB
ajis02-751	14	17	factors	factor	NOUN
ajis02-751	14	18	for	for	ADP
ajis02-751	14	19	competition	competition	NOUN
ajis02-751	14	20	was	be	AUX
ajis02-751	14	21	a	a	DET
ajis02-751	14	22	questionable	questionable	ADJ
ajis02-751	14	23	way	way	NOUN
ajis02-751	14	24	to	to	PART
ajis02-751	14	25	increase	increase	VERB
ajis02-751	14	26	revenue	revenue	NOUN
ajis02-751	14	27	and	and	CCONJ
ajis02-751	14	28	market	market	NOUN
ajis02-751	14	29	share	share	NOUN
ajis02-751	14	30	in	in	ADP
ajis02-751	14	31	the	the	DET
ajis02-751	14	32	industry	industry	NOUN
ajis02-751	14	33	(	(	PUNCT
ajis02-751	14	34	durkin	durkin	PROPN
ajis02-751	14	35	et	et	PROPN
ajis02-751	14	36	al	al	PROPN
ajis02-751	14	37	.	.	PROPN
ajis02-751	14	38	2008	2008	NUM
ajis02-751	14	39	)	)	PUNCT
ajis02-751	14	40	.	.	PUNCT
ajis02-751	15	1	the	the	DET
ajis02-751	15	2	two	two	NUM
ajis02-751	15	3	largest	large	ADJ
ajis02-751	15	4	expenses	expense	NOUN
ajis02-751	15	5	incurred	incur	VERB
ajis02-751	15	6	by	by	ADP
ajis02-751	15	7	banks	bank	NOUN
ajis02-751	15	8	are	be	AUX
ajis02-751	15	9	associated	associate	VERB
ajis02-751	15	10	with	with	ADP
ajis02-751	15	11	the	the	DET
ajis02-751	15	12	maintenance	maintenance	NOUN
ajis02-751	15	13	and	and	CCONJ
ajis02-751	15	14	overhead	overhead	ADJ
ajis02-751	15	15	costs	cost	NOUN
ajis02-751	15	16	of	of	ADP
ajis02-751	15	17	branch	branch	NOUN
ajis02-751	15	18	networks	network	NOUN
ajis02-751	15	19	and	and	CCONJ
ajis02-751	15	20	their	their	PRON
ajis02-751	15	21	associated	associated	ADJ
ajis02-751	15	22	human	human	ADJ
ajis02-751	15	23	resources	resource	NOUN
ajis02-751	15	24	(	(	PUNCT
ajis02-751	15	25	durkin	durkin	PROPN
ajis02-751	15	26	2004	2004	NUM
ajis02-751	15	27	)	)	PUNCT
ajis02-751	15	28	.	.	PUNCT
ajis02-751	16	1	banks	bank	NOUN
ajis02-751	16	2	started	start	VERB
ajis02-751	16	3	to	to	PART
ajis02-751	16	4	realise	realise	VERB
ajis02-751	16	5	that	that	SCONJ
ajis02-751	16	6	relying	rely	VERB
ajis02-751	16	7	on	on	ADP
ajis02-751	16	8	non	non	ADJ
ajis02-751	16	9	-	-	ADJ
ajis02-751	16	10	price	price	ADJ
ajis02-751	16	11	factors	factor	NOUN
ajis02-751	16	12	provided	provide	VERB
ajis02-751	16	13	alternative	alternative	ADJ
ajis02-751	16	14	strategies	strategy	NOUN
ajis02-751	16	15	for	for	ADP
ajis02-751	16	16	differentiation	differentiation	NOUN
ajis02-751	16	17	,	,	PUNCT
ajis02-751	16	18	gaining	gain	VERB
ajis02-751	16	19	competitive	competitive	ADJ
ajis02-751	16	20	advantage	advantage	NOUN
ajis02-751	16	21	and	and	CCONJ
ajis02-751	16	22	cost	cost	NOUN
ajis02-751	16	23	cutting	cutting	NOUN
ajis02-751	16	24	(	(	PUNCT
ajis02-751	16	25	daniel	daniel	PROPN
ajis02-751	16	26	1999	1999	NUM
ajis02-751	16	27	)	)	PUNCT
ajis02-751	16	28	.	.	PUNCT
ajis02-751	17	1	as	as	ADP
ajis02-751	17	2	a	a	DET
ajis02-751	17	3	result	result	NOUN
ajis02-751	17	4	,	,	PUNCT
ajis02-751	17	5	the	the	DET
ajis02-751	17	6	financial	financial	ADJ
ajis02-751	17	7	services	service	NOUN
ajis02-751	17	8	industry	industry	NOUN
ajis02-751	17	9	has	have	AUX
ajis02-751	17	10	become	become	VERB
ajis02-751	17	11	much	much	ADV
ajis02-751	17	12	more	more	ADV
ajis02-751	17	13	competitive	competitive	ADJ
ajis02-751	17	14	over	over	ADP
ajis02-751	17	15	the	the	DET
ajis02-751	17	16	last	last	ADJ
ajis02-751	17	17	few	few	ADJ
ajis02-751	17	18	years	year	NOUN
ajis02-751	17	19	(	(	PUNCT
ajis02-751	17	20	thornton	thornton	PROPN
ajis02-751	17	21	&	&	CCONJ
ajis02-751	17	22	white	white	PROPN
ajis02-751	17	23	2001	2001	NUM
ajis02-751	17	24	)	)	PUNCT
ajis02-751	17	25	.	.	PUNCT
ajis02-751	18	1	in	in	ADP
ajis02-751	18	2	an	an	DET
ajis02-751	18	3	intensifying	intensify	VERB
ajis02-751	18	4	competitive	competitive	ADJ
ajis02-751	18	5	environment	environment	NOUN
ajis02-751	18	6	,	,	PUNCT
ajis02-751	18	7	superior	superior	ADJ
ajis02-751	18	8	distribution	distribution	NOUN
ajis02-751	18	9	strategies	strategy	NOUN
ajis02-751	18	10	relating	relate	VERB
ajis02-751	18	11	to	to	ADP
ajis02-751	18	12	how	how	SCONJ
ajis02-751	18	13	to	to	PART
ajis02-751	18	14	communicate	communicate	VERB
ajis02-751	18	15	with	with	ADP
ajis02-751	18	16	,	,	PUNCT
ajis02-751	18	17	and	and	CCONJ
ajis02-751	18	18	deliver	deliver	VERB
ajis02-751	18	19	products	product	NOUN
ajis02-751	18	20	to	to	ADP
ajis02-751	18	21	,	,	PUNCT
ajis02-751	18	22	the	the	DET
ajis02-751	18	23	customer	customer	NOUN
ajis02-751	18	24	effectively	effectively	ADV
ajis02-751	18	25	provides	provide	VERB
ajis02-751	18	26	a	a	DET
ajis02-751	18	27	comprehensive	comprehensive	ADJ
ajis02-751	18	28	advantage	advantage	NOUN
ajis02-751	18	29	to	to	ADP
ajis02-751	18	30	the	the	DET
ajis02-751	18	31	banking	banking	NOUN
ajis02-751	18	32	institutions	institution	NOUN
ajis02-751	18	33	(	(	PUNCT
ajis02-751	18	34	kerem	kerem	PROPN
ajis02-751	18	35	et	et	PROPN
ajis02-751	18	36	al	al	PROPN
ajis02-751	18	37	.	.	PROPN
ajis02-751	18	38	2003	2003	NUM
ajis02-751	18	39	)	)	PUNCT
ajis02-751	18	40	.	.	PUNCT
ajis02-751	19	1	moreover	moreover	ADV
ajis02-751	19	2	,	,	PUNCT
ajis02-751	19	3	customers	customer	NOUN
ajis02-751	19	4	are	be	AUX
ajis02-751	19	5	also	also	ADV
ajis02-751	19	6	demanding	demand	VERB
ajis02-751	19	7	greater	great	ADJ
ajis02-751	19	8	convenience	convenience	NOUN
ajis02-751	19	9	and	and	CCONJ
ajis02-751	19	10	accessibility	accessibility	NOUN
ajis02-751	19	11	,	,	PUNCT
ajis02-751	19	12	as	as	SCONJ
ajis02-751	19	13	reflected	reflect	VERB
ajis02-751	19	14	in	in	ADP
ajis02-751	19	15	longer	long	ADJ
ajis02-751	19	16	branch	branch	NOUN
ajis02-751	19	17	opening	opening	NOUN
ajis02-751	19	18	hours	hour	NOUN
ajis02-751	19	19	and	and	CCONJ
ajis02-751	19	20	an	an	DET
ajis02-751	19	21	increase	increase	NOUN
ajis02-751	19	22	in	in	ADP
ajis02-751	19	23	the	the	DET
ajis02-751	19	24	choice	choice	NOUN
ajis02-751	19	25	of	of	ADP
ajis02-751	19	26	service	service	NOUN
ajis02-751	19	27	delivery	delivery	NOUN
ajis02-751	19	28	mechanisms	mechanism	NOUN
ajis02-751	19	29	.	.	PUNCT
ajis02-751	20	1	on	on	ADP
ajis02-751	20	2	a	a	DET
ajis02-751	20	3	global	global	ADJ
ajis02-751	20	4	scale	scale	NOUN
ajis02-751	20	5	,	,	PUNCT
ajis02-751	20	6	many	many	ADJ
ajis02-751	20	7	banks	bank	NOUN
ajis02-751	20	8	have	have	AUX
ajis02-751	20	9	started	start	VERB
ajis02-751	20	10	to	to	PART
ajis02-751	20	11	set	set	VERB
ajis02-751	20	12	in	in	ADP
ajis02-751	20	13	place	place	NOUN
ajis02-751	20	14	more	more	ADJ
ajis02-751	20	15	cost	cost	NOUN
ajis02-751	20	16	-	-	PUNCT
ajis02-751	20	17	effective	effective	ADJ
ajis02-751	20	18	alternative	alternative	ADJ
ajis02-751	20	19	service	service	NOUN
ajis02-751	20	20	delivery	delivery	NOUN
ajis02-751	20	21	systems	system	NOUN
ajis02-751	20	22	(	(	PUNCT
ajis02-751	20	23	shih	shih	PROPN
ajis02-751	20	24	&	&	CCONJ
ajis02-751	20	25	fang	fang	PROPN
ajis02-751	20	26	2004	2004	NUM
ajis02-751	20	27	)	)	PUNCT
ajis02-751	20	28	.	.	PUNCT
ajis02-751	21	1	the	the	DET
ajis02-751	21	2	trend	trend	NOUN
ajis02-751	21	3	has	have	AUX
ajis02-751	21	4	seen	see	VERB
ajis02-751	21	5	the	the	DET
ajis02-751	21	6	proliferation	proliferation	NOUN
ajis02-751	21	7	of	of	ADP
ajis02-751	21	8	multiple	multiple	ADJ
ajis02-751	21	9	service	service	NOUN
ajis02-751	21	10	delivery	delivery	NOUN
ajis02-751	21	11	channels	channel	NOUN
ajis02-751	21	12	through	through	ADP
ajis02-751	21	13	which	which	PRON
ajis02-751	21	14	consumers	consumer	NOUN
ajis02-751	21	15	can	can	AUX
ajis02-751	21	16	interact	interact	VERB
ajis02-751	21	17	with	with	ADP
ajis02-751	21	18	banks	bank	NOUN
ajis02-751	21	19	.	.	PUNCT
ajis02-751	22	1	therefore	therefore	ADV
ajis02-751	22	2	,	,	PUNCT
ajis02-751	22	3	modern	modern	ADJ
ajis02-751	22	4	banks	bank	NOUN
ajis02-751	22	5	provide	provide	VERB
ajis02-751	22	6	their	their	PRON
ajis02-751	22	7	consumers	consumer	NOUN
ajis02-751	22	8	with	with	ADP
ajis02-751	22	9	increased	increase	VERB
ajis02-751	22	10	channel	channel	NOUN
ajis02-751	22	11	choice	choice	NOUN
ajis02-751	22	12	that	that	PRON
ajis02-751	22	13	reaches	reach	VERB
ajis02-751	22	14	out	out	ADP
ajis02-751	22	15	to	to	ADP
ajis02-751	22	16	consumers	consumer	NOUN
ajis02-751	22	17	through	through	ADP
ajis02-751	22	18	many	many	ADJ
ajis02-751	22	19	different	different	ADJ
ajis02-751	22	20	routes	route	NOUN
ajis02-751	22	21	.	.	PUNCT
ajis02-751	23	1	alternative	alternative	ADJ
ajis02-751	23	2	service	service	NOUN
ajis02-751	23	3	delivery	delivery	NOUN
ajis02-751	23	4	systems	system	NOUN
ajis02-751	23	5	such	such	ADJ
ajis02-751	23	6	as	as	ADP
ajis02-751	23	7	automated	automate	VERB
ajis02-751	23	8	teller	teller	NOUN
ajis02-751	23	9	machines	machine	NOUN
ajis02-751	23	10	(	(	PUNCT
ajis02-751	23	11	atms	atms	PROPN
ajis02-751	23	12	)	)	PUNCT
ajis02-751	23	13	,	,	PUNCT
ajis02-751	23	14	telephone	telephone	NOUN
ajis02-751	23	15	,	,	PUNCT
ajis02-751	23	16	internet	internet	NOUN
ajis02-751	23	17	and	and	CCONJ
ajis02-751	23	18	wireless	wireless	ADJ
ajis02-751	23	19	channels	channel	NOUN
ajis02-751	23	20	are	be	AUX
ajis02-751	23	21	now	now	ADV
ajis02-751	23	22	available	available	ADJ
ajis02-751	23	23	to	to	ADP
ajis02-751	23	24	the	the	DET
ajis02-751	23	25	consumers	consumer	NOUN
ajis02-751	23	26	to	to	PART
ajis02-751	23	27	perform	perform	VERB
ajis02-751	23	28	their	their	PRON
ajis02-751	23	29	banking	banking	NOUN
ajis02-751	23	30	transactions	transaction	NOUN
ajis02-751	23	31	in	in	ADP
ajis02-751	23	32	addition	addition	NOUN
ajis02-751	23	33	to	to	ADP
ajis02-751	23	34	the	the	DET
ajis02-751	23	35	traditional	traditional	ADJ
ajis02-751	23	36	branch	branch	NOUN
ajis02-751	23	37	banking	banking	NOUN
ajis02-751	23	38	(	(	PUNCT
ajis02-751	23	39	reid	reid	PROPN
ajis02-751	23	40	&	&	CCONJ
ajis02-751	23	41	levy	levy	PROPN
ajis02-751	23	42	2008	2008	NUM
ajis02-751	23	43	;	;	PUNCT
ajis02-751	23	44	akinci	akinci	PROPN
ajis02-751	23	45	et	et	PROPN
ajis02-751	23	46	al	al	PROPN
ajis02-751	23	47	.	.	PROPN
ajis02-751	23	48	2004	2004	NUM
ajis02-751	23	49	)	)	PUNCT
ajis02-751	23	50	.	.	PUNCT
ajis02-751	24	1	the	the	DET
ajis02-751	24	2	growing	grow	VERB
ajis02-751	24	3	use	use	NOUN
ajis02-751	24	4	of	of	ADP
ajis02-751	24	5	technologies	technology	NOUN
ajis02-751	24	6	in	in	ADP
ajis02-751	24	7	services	service	NOUN
ajis02-751	24	8	has	have	AUX
ajis02-751	24	9	revolutionised	revolutionise	VERB
ajis02-751	24	10	the	the	DET
ajis02-751	24	11	interactions	interaction	NOUN
ajis02-751	24	12	between	between	ADP
ajis02-751	24	13	service	service	NOUN
ajis02-751	24	14	providers	provider	NOUN
ajis02-751	24	15	and	and	CCONJ
ajis02-751	24	16	customers	customer	NOUN
ajis02-751	24	17	and	and	CCONJ
ajis02-751	24	18	increased	increase	VERB
ajis02-751	24	19	standardisation	standardisation	NOUN
ajis02-751	24	20	of	of	ADP
ajis02-751	24	21	many	many	ADJ
ajis02-751	24	22	services	service	NOUN
ajis02-751	24	23	(	(	PUNCT
ajis02-751	24	24	liljander	liljander	PROPN
ajis02-751	24	25	et	et	PROPN
ajis02-751	24	26	al	al	PROPN
ajis02-751	24	27	.	.	PROPN
ajis02-751	24	28	2006	2006	NUM
ajis02-751	24	29	)	)	PUNCT
ajis02-751	24	30	.	.	PUNCT
ajis02-751	25	1	the	the	DET
ajis02-751	25	2	introduction	introduction	NOUN
ajis02-751	25	3	of	of	ADP
ajis02-751	25	4	new	new	ADJ
ajis02-751	25	5	service	service	NOUN
ajis02-751	25	6	delivery	delivery	NOUN
ajis02-751	25	7	channels	channel	NOUN
ajis02-751	25	8	increases	increase	VERB
ajis02-751	25	9	the	the	DET
ajis02-751	25	10	productivity	productivity	NOUN
ajis02-751	25	11	and	and	CCONJ
ajis02-751	25	12	efficiency	efficiency	NOUN
ajis02-751	25	13	of	of	ADP
ajis02-751	25	14	the	the	DET
ajis02-751	25	15	service	service	NOUN
ajis02-751	25	16	providers	provider	NOUN
ajis02-751	25	17	apart	apart	ADV
ajis02-751	25	18	from	from	ADP
ajis02-751	25	19	offering	offer	VERB
ajis02-751	25	20	access	access	NOUN
ajis02-751	25	21	to	to	ADP
ajis02-751	25	22	customers	customer	NOUN
ajis02-751	25	23	,	,	PUNCT
ajis02-751	25	24	thereby	thereby	ADV
ajis02-751	25	25	better	well	ADV
ajis02-751	25	26	meeting	meet	VERB
ajis02-751	25	27	customer	customer	NOUN
ajis02-751	25	28	demand	demand	NOUN
ajis02-751	25	29	and	and	CCONJ
ajis02-751	25	30	increasing	increase	VERB
ajis02-751	25	31	satisfaction	satisfaction	NOUN
ajis02-751	25	32	(	(	PUNCT
ajis02-751	25	33	liljander	liljander	PROPN
ajis02-751	25	34	et	et	PROPN
ajis02-751	25	35	al	al	PROPN
ajis02-751	25	36	.	.	PROPN
ajis02-751	25	37	2006	2006	NUM
ajis02-751	25	38	;	;	PUNCT
ajis02-751	25	39	walker	walker	PROPN
ajis02-751	25	40	et	et	PROPN
ajis02-751	25	41	al	al	PROPN
ajis02-751	25	42	.	.	PROPN
ajis02-751	25	43	2002	2002	NUM
ajis02-751	25	44	)	)	PUNCT
ajis02-751	25	45	.	.	PUNCT
ajis02-751	26	1	internet	internet	NOUN
ajis02-751	26	2	banking	banking	NOUN
ajis02-751	26	3	facilitating	facilitate	VERB
ajis02-751	26	4	electronic	electronic	ADJ
ajis02-751	26	5	transactions	transaction	NOUN
ajis02-751	26	6	is	be	AUX
ajis02-751	26	7	a	a	DET
ajis02-751	26	8	key	key	ADJ
ajis02-751	26	9	facilitator	facilitator	NOUN
ajis02-751	26	10	of	of	ADP
ajis02-751	26	11	communication	communication	NOUN
ajis02-751	26	12	in	in	ADP
ajis02-751	26	13	business	business	NOUN
ajis02-751	26	14	activities	activity	NOUN
ajis02-751	26	15	and	and	CCONJ
ajis02-751	26	16	in	in	ADP
ajis02-751	26	17	consumer	consumer	NOUN
ajis02-751	26	18	’s	’s	PART
ajis02-751	26	19	day	day	NOUN
ajis02-751	26	20	-	-	PUNCT
ajis02-751	26	21	to	to	ADP
ajis02-751	26	22	-	-	PUNCT
ajis02-751	26	23	day	day	NOUN
ajis02-751	26	24	activities	activity	NOUN
ajis02-751	26	25	(	(	PUNCT
ajis02-751	26	26	mccole	mccole	NOUN
ajis02-751	26	27	&	&	CCONJ
ajis02-751	26	28	ramsay	ramsay	PROPN
ajis02-751	26	29	2009	2009	NUM
ajis02-751	26	30	)	)	PUNCT
ajis02-751	26	31	.	.	PUNCT
ajis02-751	27	1	the	the	DET
ajis02-751	27	2	decision	decision	NOUN
ajis02-751	27	3	to	to	PART
ajis02-751	27	4	perform	perform	VERB
ajis02-751	27	5	internet	internet	NOUN
ajis02-751	27	6	banking	banking	NOUN
ajis02-751	27	7	is	be	AUX
ajis02-751	27	8	at	at	ADP
ajis02-751	27	9	the	the	DET
ajis02-751	27	10	consumers	consumer	NOUN
ajis02-751	27	11	’	'	PUNCT
ajis02-751	27	12	discretion	discretion	NOUN
ajis02-751	27	13	,	,	PUNCT
ajis02-751	27	14	indicating	indicate	VERB
ajis02-751	27	15	the	the	DET
ajis02-751	27	16	importance	importance	NOUN
ajis02-751	27	17	of	of	ADP
ajis02-751	27	18	the	the	DET
ajis02-751	27	19	consumer	consumer	NOUN
ajis02-751	27	20	in	in	ADP
ajis02-751	27	21	electronic	electronic	ADJ
ajis02-751	27	22	interactions	interaction	NOUN
ajis02-751	27	23	.	.	PUNCT
ajis02-751	28	1	it	it	PRON
ajis02-751	28	2	is	be	AUX
ajis02-751	28	3	critical	critical	ADJ
ajis02-751	28	4	for	for	SCONJ
ajis02-751	28	5	business	business	NOUN
ajis02-751	28	6	success	success	NOUN
ajis02-751	28	7	to	to	PART
ajis02-751	28	8	understand	understand	VERB
ajis02-751	28	9	how	how	SCONJ
ajis02-751	28	10	consumers	consumer	NOUN
ajis02-751	28	11	make	make	VERB
ajis02-751	28	12	decisions	decision	NOUN
ajis02-751	28	13	to	to	PART
ajis02-751	28	14	use	use	VERB
ajis02-751	28	15	internet	internet	NOUN
ajis02-751	28	16	banking	banking	NOUN
ajis02-751	28	17	and	and	CCONJ
ajis02-751	28	18	at	at	ADP
ajis02-751	28	19	the	the	DET
ajis02-751	28	20	same	same	ADJ
ajis02-751	28	21	time	time	NOUN
ajis02-751	28	22	,	,	PUNCT
ajis02-751	28	23	how	how	SCONJ
ajis02-751	28	24	marketers	marketer	NOUN
ajis02-751	28	25	try	try	VERB
ajis02-751	28	26	to	to	PART
ajis02-751	28	27	understand	understand	VERB
ajis02-751	28	28	consumers	consumer	NOUN
ajis02-751	28	29	’	’	PART
ajis02-751	28	30	values	value	NOUN
ajis02-751	28	31	,	,	PUNCT
ajis02-751	28	32	beliefs	belief	NOUN
ajis02-751	28	33	and	and	CCONJ
ajis02-751	28	34	preferences	preference	NOUN
ajis02-751	28	35	(	(	PUNCT
ajis02-751	28	36	lindgreen	lindgreen	NOUN
ajis02-751	28	37	&	&	CCONJ
ajis02-751	28	38	wynstra	wynstra	PROPN
ajis02-751	28	39	2005	2005	NUM
ajis02-751	28	40	)	)	PUNCT
ajis02-751	28	41	.	.	PUNCT
ajis02-751	29	1	existing	exist	VERB
ajis02-751	29	2	customers	customer	NOUN
ajis02-751	29	3	represent	represent	VERB
ajis02-751	29	4	a	a	DET
ajis02-751	29	5	valuable	valuable	ADJ
ajis02-751	29	6	asset	asset	NOUN
ajis02-751	29	7	to	to	ADP
ajis02-751	29	8	the	the	DET
ajis02-751	29	9	service	service	NOUN
ajis02-751	29	10	provider	provider	NOUN
ajis02-751	29	11	.	.	PUNCT
ajis02-751	30	1	from	from	ADP
ajis02-751	30	2	the	the	DET
ajis02-751	30	3	bank	bank	NOUN
ajis02-751	30	4	’s	’s	PART
ajis02-751	30	5	perspective	perspective	NOUN
ajis02-751	30	6	,	,	PUNCT
ajis02-751	30	7	maintaining	maintain	VERB
ajis02-751	30	8	and	and	CCONJ
ajis02-751	30	9	retaining	retain	VERB
ajis02-751	30	10	their	their	PRON
ajis02-751	30	11	existing	exist	VERB
ajis02-751	30	12	customer	customer	NOUN
ajis02-751	30	13	base	base	NOUN
ajis02-751	30	14	is	be	AUX
ajis02-751	30	15	always	always	ADV
ajis02-751	30	16	more	more	ADV
ajis02-751	30	17	profitable	profitable	ADJ
ajis02-751	30	18	than	than	ADP
ajis02-751	30	19	trying	try	VERB
ajis02-751	30	20	to	to	PART
ajis02-751	30	21	acquire	acquire	VERB
ajis02-751	30	22	new	new	ADJ
ajis02-751	30	23	customers	customer	NOUN
ajis02-751	30	24	(	(	PUNCT
ajis02-751	30	25	srinivasan	srinivasan	NOUN
ajis02-751	30	26	et	et	PROPN
ajis02-751	30	27	al	al	PROPN
ajis02-751	30	28	.	.	PROPN
ajis02-751	30	29	2002	2002	NUM
ajis02-751	30	30	)	)	PUNCT
ajis02-751	30	31	.	.	PUNCT
ajis02-751	31	1	therefore	therefore	ADV
ajis02-751	31	2	,	,	PUNCT
ajis02-751	31	3	banks	bank	NOUN
ajis02-751	31	4	continuously	continuously	ADV
ajis02-751	31	5	scan	scan	VERB
ajis02-751	31	6	and	and	CCONJ
ajis02-751	31	7	attempt	attempt	VERB
ajis02-751	31	8	to	to	PART
ajis02-751	31	9	persuade	persuade	VERB
ajis02-751	31	10	customers	customer	NOUN
ajis02-751	31	11	not	not	PART
ajis02-751	31	12	to	to	PART
ajis02-751	31	13	switch	switch	VERB
ajis02-751	31	14	to	to	ADP
ajis02-751	31	15	competitors	competitor	NOUN
ajis02-751	31	16	in	in	ADP
ajis02-751	31	17	order	order	NOUN
ajis02-751	31	18	to	to	PART
ajis02-751	31	19	maximise	maximise	VERB
ajis02-751	31	20	their	their	PRON
ajis02-751	31	21	sales	sale	NOUN
ajis02-751	31	22	and	and	CCONJ
ajis02-751	31	23	profits	profit	NOUN
ajis02-751	31	24	(	(	PUNCT
ajis02-751	31	25	hammond	hammond	NOUN
ajis02-751	31	26	&	&	CCONJ
ajis02-751	31	27	ehrenberg	ehrenberg	PROPN
ajis02-751	31	28	1995	1995	NUM
ajis02-751	31	29	)	)	PUNCT
ajis02-751	31	30	.	.	PUNCT
ajis02-751	32	1	customer	customer	NOUN
ajis02-751	32	2	participation	participation	NOUN
ajis02-751	32	3	has	have	AUX
ajis02-751	32	4	always	always	ADV
ajis02-751	32	5	been	be	AUX
ajis02-751	32	6	an	an	DET
ajis02-751	32	7	indispensable	indispensable	ADJ
ajis02-751	32	8	part	part	NOUN
ajis02-751	32	9	of	of	ADP
ajis02-751	32	10	any	any	DET
ajis02-751	32	11	service	service	NOUN
ajis02-751	32	12	delivery	delivery	NOUN
ajis02-751	32	13	process	process	NOUN
ajis02-751	32	14	(	(	PUNCT
ajis02-751	32	15	karmarkar	karmarkar	NOUN
ajis02-751	32	16	&	&	CCONJ
ajis02-751	32	17	pitbladdo	pitbladdo	PROPN
ajis02-751	32	18	1997	1997	NUM
ajis02-751	32	19	)	)	PUNCT
ajis02-751	32	20	.	.	PUNCT
ajis02-751	33	1	the	the	DET
ajis02-751	33	2	management	management	NOUN
ajis02-751	33	3	of	of	ADP
ajis02-751	33	4	the	the	DET
ajis02-751	33	5	service	service	NOUN
ajis02-751	33	6	delivery	delivery	NOUN
ajis02-751	33	7	channel	channel	NOUN
ajis02-751	33	8	performance	performance	NOUN
ajis02-751	33	9	presents	present	VERB
ajis02-751	33	10	an	an	DET
ajis02-751	33	11	unusual	unusual	ADJ
ajis02-751	33	12	problem	problem	NOUN
ajis02-751	33	13	in	in	ADP
ajis02-751	33	14	that	that	SCONJ
ajis02-751	33	15	the	the	DET
ajis02-751	33	16	performance	performance	NOUN
ajis02-751	33	17	of	of	ADP
ajis02-751	33	18	the	the	DET
ajis02-751	33	19	service	service	NOUN
ajis02-751	33	20	system	system	NOUN
ajis02-751	33	21	is	be	AUX
ajis02-751	33	22	affected	affect	VERB
ajis02-751	33	23	by	by	ADP
ajis02-751	33	24	the	the	DET
ajis02-751	33	25	actions	action	NOUN
ajis02-751	33	26	of	of	ADP
ajis02-751	33	27	customers	customer	NOUN
ajis02-751	33	28	who	who	PRON
ajis02-751	33	29	may	may	AUX
ajis02-751	33	30	feel	feel	VERB
ajis02-751	33	31	uncertain	uncertain	ADJ
ajis02-751	33	32	about	about	ADP
ajis02-751	33	33	their	their	PRON
ajis02-751	33	34	capabilities	capability	NOUN
ajis02-751	33	35	and	and	CCONJ
ajis02-751	33	36	goals	goal	NOUN
ajis02-751	33	37	.	.	PUNCT
ajis02-751	34	1	in	in	ADP
ajis02-751	34	2	the	the	DET
ajis02-751	34	3	past	past	NOUN
ajis02-751	34	4	decade	decade	NOUN
ajis02-751	34	5	,	,	PUNCT
ajis02-751	34	6	the	the	DET
ajis02-751	34	7	objective	objective	NOUN
ajis02-751	34	8	of	of	ADP
ajis02-751	34	9	most	most	ADJ
ajis02-751	34	10	research	research	NOUN
ajis02-751	34	11	in	in	ADP
ajis02-751	34	12	internet	internet	NOUN
ajis02-751	34	13	banking	banking	NOUN
ajis02-751	34	14	research	research	NOUN
ajis02-751	34	15	has	have	AUX
ajis02-751	34	16	been	be	AUX
ajis02-751	34	17	to	to	PART
ajis02-751	34	18	analyse	analyse	VERB
ajis02-751	34	19	the	the	DET
ajis02-751	34	20	acceptance	acceptance	NOUN
ajis02-751	34	21	and	and	CCONJ
ajis02-751	34	22	adoption	adoption	NOUN
ajis02-751	34	23	of	of	ADP
ajis02-751	34	24	internet	internet	NOUN
ajis02-751	34	25	banking	banking	NOUN
ajis02-751	34	26	service	service	NOUN
ajis02-751	34	27	delivery	delivery	NOUN
ajis02-751	34	28	channels	channel	NOUN
ajis02-751	34	29	and	and	CCONJ
ajis02-751	34	30	to	to	PART
ajis02-751	34	31	understand	understand	VERB
ajis02-751	34	32	the	the	DET
ajis02-751	34	33	factors	factor	NOUN
ajis02-751	34	34	,	,	PUNCT
ajis02-751	34	35	which	which	PRON
ajis02-751	34	36	lead	lead	VERB
ajis02-751	34	37	to	to	ADP
ajis02-751	34	38	the	the	DET
ajis02-751	34	39	adoption	adoption	NOUN
ajis02-751	34	40	process	process	NOUN
ajis02-751	34	41	(	(	PUNCT
ajis02-751	34	42	chen	chen	PROPN
ajis02-751	34	43	et	et	PROPN
ajis02-751	34	44	al	al	PROPN
ajis02-751	34	45	.	.	PROPN
ajis02-751	34	46	2005	2005	NUM
ajis02-751	34	47	)	)	PUNCT
ajis02-751	34	48	.	.	PUNCT
ajis02-751	35	1	there	there	PRON
ajis02-751	35	2	are	be	VERB
ajis02-751	35	3	multitudes	multitude	NOUN
ajis02-751	35	4	of	of	ADP
ajis02-751	35	5	internet	internet	NOUN
ajis02-751	35	6	banking	banking	NOUN
ajis02-751	35	7	australasian	australasian	ADJ
ajis02-751	35	8	journal	journal	NOUN
ajis02-751	35	9	of	of	ADP
ajis02-751	35	10	information	information	NOUN
ajis02-751	35	11	systems	system	NOUN
ajis02-751	35	12	volume	volume	NOUN
ajis02-751	35	13	18	18	NUM
ajis02-751	35	14	number1	number1	NOUN
ajis02-751	35	15	2013	2013	NUM
ajis02-751	35	16	7	7	NUM
ajis02-751	35	17	studies	study	NOUN
ajis02-751	35	18	that	that	PRON
ajis02-751	35	19	have	have	AUX
ajis02-751	35	20	investigated	investigate	VERB
ajis02-751	35	21	factors	factor	NOUN
ajis02-751	35	22	that	that	PRON
ajis02-751	35	23	influence	influence	VERB
ajis02-751	35	24	a	a	DET
ajis02-751	35	25	consumer	consumer	NOUN
ajis02-751	35	26	’s	’s	PART
ajis02-751	35	27	intention	intention	NOUN
ajis02-751	35	28	to	to	PART
ajis02-751	35	29	adopt	adopt	VERB
ajis02-751	35	30	or	or	CCONJ
ajis02-751	35	31	their	their	PRON
ajis02-751	35	32	acceptance	acceptance	NOUN
ajis02-751	35	33	of	of	ADP
ajis02-751	35	34	internet	internet	NOUN
ajis02-751	35	35	banking	banking	NOUN
ajis02-751	35	36	(	(	PUNCT
ajis02-751	35	37	gerrard	gerrard	PROPN
ajis02-751	35	38	&	&	CCONJ
ajis02-751	35	39	cunningham	cunningham	PROPN
ajis02-751	35	40	2003	2003	NUM
ajis02-751	35	41	;	;	PUNCT
ajis02-751	35	42	lee	lee	PROPN
ajis02-751	35	43	et	et	PROPN
ajis02-751	35	44	al	al	PROPN
ajis02-751	35	45	.	.	PROPN
ajis02-751	35	46	2003	2003	NUM
ajis02-751	35	47	)	)	PUNCT
ajis02-751	35	48	.	.	PUNCT
ajis02-751	36	1	a	a	DET
ajis02-751	36	2	persistent	persistent	ADJ
ajis02-751	36	3	argument	argument	NOUN
ajis02-751	36	4	is	be	AUX
ajis02-751	36	5	that	that	SCONJ
ajis02-751	36	6	prior	prior	ADJ
ajis02-751	36	7	studies	study	NOUN
ajis02-751	36	8	on	on	ADP
ajis02-751	36	9	internet	internet	NOUN
ajis02-751	36	10	banking	banking	NOUN
ajis02-751	36	11	adoption	adoption	NOUN
ajis02-751	36	12	by	by	ADP
ajis02-751	36	13	consumers	consumer	NOUN
ajis02-751	36	14	,	,	PUNCT
ajis02-751	36	15	and	and	CCONJ
ajis02-751	36	16	the	the	DET
ajis02-751	36	17	factors	factor	NOUN
ajis02-751	36	18	responsible	responsible	ADJ
ajis02-751	36	19	for	for	ADP
ajis02-751	36	20	their	their	PRON
ajis02-751	36	21	adoption	adoption	NOUN
ajis02-751	36	22	of	of	ADP
ajis02-751	36	23	the	the	DET
ajis02-751	36	24	internet	internet	NOUN
ajis02-751	36	25	,	,	PUNCT
ajis02-751	36	26	have	have	AUX
ajis02-751	36	27	produced	produce	VERB
ajis02-751	36	28	inconclusive	inconclusive	ADJ
ajis02-751	36	29	and	and	CCONJ
ajis02-751	36	30	sometimes	sometimes	ADV
ajis02-751	36	31	conflicting	conflicting	ADJ
ajis02-751	36	32	results	result	NOUN
ajis02-751	36	33	.	.	PUNCT
ajis02-751	37	1	this	this	PRON
ajis02-751	37	2	has	have	AUX
ajis02-751	37	3	culminated	culminate	VERB
ajis02-751	37	4	in	in	ADP
ajis02-751	37	5	a	a	DET
ajis02-751	37	6	difficulty	difficulty	NOUN
ajis02-751	37	7	in	in	ADP
ajis02-751	37	8	articulating	articulate	VERB
ajis02-751	37	9	the	the	DET
ajis02-751	37	10	precise	precise	ADJ
ajis02-751	37	11	findings	finding	NOUN
ajis02-751	37	12	of	of	ADP
ajis02-751	37	13	internet	internet	NOUN
ajis02-751	37	14	banking	banking	NOUN
ajis02-751	37	15	research	research	NOUN
ajis02-751	37	16	(	(	PUNCT
ajis02-751	37	17	ndubisi	ndubisi	PROPN
ajis02-751	37	18	&	&	CCONJ
ajis02-751	37	19	sinti	sinti	PROPN
ajis02-751	37	20	2006	2006	NUM
ajis02-751	37	21	)	)	PUNCT
ajis02-751	37	22	.	.	PUNCT
ajis02-751	38	1	thus	thus	ADV
ajis02-751	38	2	,	,	PUNCT
ajis02-751	38	3	the	the	DET
ajis02-751	38	4	findings	finding	NOUN
ajis02-751	38	5	from	from	ADP
ajis02-751	38	6	research	research	NOUN
ajis02-751	38	7	on	on	ADP
ajis02-751	38	8	internet	internet	NOUN
ajis02-751	38	9	banking	banking	NOUN
ajis02-751	38	10	from	from	ADP
ajis02-751	38	11	the	the	DET
ajis02-751	38	12	consumer	consumer	NOUN
ajis02-751	38	13	’s	’s	PART
ajis02-751	38	14	perspective	perspective	NOUN
ajis02-751	38	15	remains	remain	VERB
ajis02-751	38	16	unclear	unclear	ADJ
ajis02-751	38	17	and	and	CCONJ
ajis02-751	38	18	in	in	ADP
ajis02-751	38	19	many	many	ADJ
ajis02-751	38	20	ways	way	NOUN
ajis02-751	38	21	impractical	impractical	ADJ
ajis02-751	38	22	as	as	SCONJ
ajis02-751	38	23	it	it	PRON
ajis02-751	38	24	is	be	AUX
ajis02-751	38	25	not	not	PART
ajis02-751	38	26	applied	apply	VERB
ajis02-751	38	27	to	to	ADP
ajis02-751	38	28	the	the	DET
ajis02-751	38	29	business	business	NOUN
ajis02-751	38	30	context	context	NOUN
ajis02-751	38	31	.	.	PUNCT
ajis02-751	39	1	since	since	SCONJ
ajis02-751	39	2	its	its	PRON
ajis02-751	39	3	introduction	introduction	NOUN
ajis02-751	39	4	,	,	PUNCT
ajis02-751	39	5	internet	internet	NOUN
ajis02-751	39	6	banking	banking	NOUN
ajis02-751	39	7	,	,	PUNCT
ajis02-751	39	8	due	due	ADP
ajis02-751	39	9	to	to	ADP
ajis02-751	39	10	its	its	PRON
ajis02-751	39	11	speed	speed	NOUN
ajis02-751	39	12	and	and	CCONJ
ajis02-751	39	13	convenience	convenience	NOUN
ajis02-751	39	14	,	,	PUNCT
ajis02-751	39	15	has	have	AUX
ajis02-751	39	16	been	be	AUX
ajis02-751	39	17	widely	widely	ADV
ajis02-751	39	18	accepted	accept	VERB
ajis02-751	39	19	by	by	ADP
ajis02-751	39	20	consumers	consumer	NOUN
ajis02-751	39	21	as	as	ADP
ajis02-751	39	22	a	a	DET
ajis02-751	39	23	service	service	NOUN
ajis02-751	39	24	innovation	innovation	NOUN
ajis02-751	39	25	(	(	PUNCT
ajis02-751	39	26	klopping	klopping	NOUN
ajis02-751	39	27	&	&	CCONJ
ajis02-751	39	28	mckinney	mckinney	PROPN
ajis02-751	39	29	2004	2004	NUM
ajis02-751	39	30	)	)	PUNCT
ajis02-751	39	31	.	.	PUNCT
ajis02-751	40	1	in	in	ADP
ajis02-751	40	2	recent	recent	ADJ
ajis02-751	40	3	years	year	NOUN
ajis02-751	40	4	,	,	PUNCT
ajis02-751	40	5	internet	internet	NOUN
ajis02-751	40	6	banking	banking	NOUN
ajis02-751	40	7	transactions	transaction	NOUN
ajis02-751	40	8	increased	increase	VERB
ajis02-751	40	9	to	to	ADP
ajis02-751	40	10	a	a	DET
ajis02-751	40	11	greater	great	ADJ
ajis02-751	40	12	extent	extent	NOUN
ajis02-751	40	13	,	,	PUNCT
ajis02-751	40	14	indicating	indicate	VERB
ajis02-751	40	15	the	the	DET
ajis02-751	40	16	voluminous	voluminous	ADJ
ajis02-751	40	17	nature	nature	NOUN
ajis02-751	40	18	of	of	ADP
ajis02-751	40	19	transactions	transaction	NOUN
ajis02-751	40	20	carried	carry	VERB
ajis02-751	40	21	out	out	ADP
ajis02-751	40	22	by	by	ADP
ajis02-751	40	23	the	the	DET
ajis02-751	40	24	internet	internet	NOUN
ajis02-751	40	25	banking	banking	NOUN
ajis02-751	40	26	consumers	consumer	NOUN
ajis02-751	40	27	(	(	PUNCT
ajis02-751	40	28	kasheir	kasheir	X
ajis02-751	40	29	et	et	PROPN
ajis02-751	40	30	al	al	PROPN
ajis02-751	40	31	.	.	PROPN
ajis02-751	40	32	2009	2009	NUM
ajis02-751	40	33	)	)	PUNCT
ajis02-751	40	34	.	.	PUNCT
ajis02-751	41	1	this	this	DET
ajis02-751	41	2	phenomenal	phenomenal	ADJ
ajis02-751	41	3	uptake	uptake	NOUN
ajis02-751	41	4	and	and	CCONJ
ajis02-751	41	5	use	use	NOUN
ajis02-751	41	6	of	of	ADP
ajis02-751	41	7	internet	internet	NOUN
ajis02-751	41	8	banking	banking	NOUN
ajis02-751	41	9	,	,	PUNCT
ajis02-751	41	10	together	together	ADV
ajis02-751	41	11	with	with	ADP
ajis02-751	41	12	the	the	DET
ajis02-751	41	13	internet	internet	NOUN
ajis02-751	41	14	banking	banking	NOUN
ajis02-751	41	15	experience	experience	NOUN
ajis02-751	41	16	,	,	PUNCT
ajis02-751	41	17	modifies	modify	VERB
ajis02-751	41	18	the	the	DET
ajis02-751	41	19	behaviour	behaviour	NOUN
ajis02-751	41	20	of	of	ADP
ajis02-751	41	21	individuals	individual	NOUN
ajis02-751	41	22	towards	towards	ADP
ajis02-751	41	23	the	the	DET
ajis02-751	41	24	channel	channel	NOUN
ajis02-751	41	25	(	(	PUNCT
ajis02-751	41	26	gefen	gefen	NOUN
ajis02-751	41	27	et	et	PROPN
ajis02-751	41	28	al	al	PROPN
ajis02-751	41	29	.	.	PROPN
ajis02-751	41	30	2003	2003	NUM
ajis02-751	41	31	)	)	PUNCT
ajis02-751	41	32	.	.	PUNCT
ajis02-751	42	1	change	change	NOUN
ajis02-751	42	2	is	be	AUX
ajis02-751	42	3	evident	evident	ADJ
ajis02-751	42	4	in	in	ADP
ajis02-751	42	5	consumer	consumer	NOUN
ajis02-751	42	6	’s	’s	PART
ajis02-751	42	7	initial	initial	ADJ
ajis02-751	42	8	perceptions	perception	NOUN
ajis02-751	42	9	and	and	CCONJ
ajis02-751	42	10	heightens	heighten	VERB
ajis02-751	42	11	the	the	DET
ajis02-751	42	12	need	need	NOUN
ajis02-751	42	13	to	to	PART
ajis02-751	42	14	understand	understand	VERB
ajis02-751	42	15	not	not	PART
ajis02-751	42	16	only	only	ADV
ajis02-751	42	17	consumer	consumer	NOUN
ajis02-751	42	18	’s	’s	PART
ajis02-751	42	19	pre	pre	ADJ
ajis02-751	42	20	-	-	ADJ
ajis02-751	42	21	adoption	adoption	ADJ
ajis02-751	42	22	behaviour	behaviour	NOUN
ajis02-751	42	23	,	,	PUNCT
ajis02-751	42	24	but	but	CCONJ
ajis02-751	42	25	also	also	ADV
ajis02-751	42	26	post	post	ADJ
ajis02-751	42	27	-	-	ADJ
ajis02-751	42	28	adoption	adoption	ADJ
ajis02-751	42	29	behaviour	behaviour	NOUN
ajis02-751	42	30	(	(	PUNCT
ajis02-751	42	31	yu	yu	PROPN
ajis02-751	42	32	et	et	PROPN
ajis02-751	42	33	al	al	PROPN
ajis02-751	42	34	.	.	PROPN
ajis02-751	42	35	2005	2005	NUM
ajis02-751	42	36	)	)	PUNCT
ajis02-751	42	37	.	.	PUNCT
ajis02-751	43	1	it	it	PRON
ajis02-751	43	2	is	be	AUX
ajis02-751	43	3	only	only	ADV
ajis02-751	43	4	recently	recently	ADV
ajis02-751	43	5	that	that	SCONJ
ajis02-751	43	6	researchers	researcher	NOUN
ajis02-751	43	7	have	have	AUX
ajis02-751	43	8	started	start	VERB
ajis02-751	43	9	to	to	PART
ajis02-751	43	10	understand	understand	VERB
ajis02-751	43	11	the	the	DET
ajis02-751	43	12	importance	importance	NOUN
ajis02-751	43	13	of	of	ADP
ajis02-751	43	14	consumers	consumer	NOUN
ajis02-751	43	15	’	'	PUNCT
ajis02-751	43	16	continued	continue	VERB
ajis02-751	43	17	use	use	NOUN
ajis02-751	43	18	of	of	ADP
ajis02-751	43	19	internet	internet	NOUN
ajis02-751	43	20	banking	banking	NOUN
ajis02-751	43	21	and	and	CCONJ
ajis02-751	43	22	its	its	PRON
ajis02-751	43	23	impact	impact	NOUN
ajis02-751	43	24	on	on	ADP
ajis02-751	43	25	the	the	DET
ajis02-751	43	26	financial	financial	ADJ
ajis02-751	43	27	performance	performance	NOUN
ajis02-751	43	28	of	of	ADP
ajis02-751	43	29	the	the	DET
ajis02-751	43	30	banking	banking	NOUN
ajis02-751	43	31	sector	sector	NOUN
ajis02-751	43	32	(	(	PUNCT
ajis02-751	43	33	kasheir	kasheir	NOUN
ajis02-751	43	34	et	et	PROPN
ajis02-751	43	35	al	al	PROPN
ajis02-751	43	36	.	.	PROPN
ajis02-751	43	37	2009	2009	NUM
ajis02-751	43	38	;	;	PUNCT
ajis02-751	43	39	yousafzai	yousafzai	PROPN
ajis02-751	43	40	et	et	PROPN
ajis02-751	43	41	al	al	PROPN
ajis02-751	43	42	.	.	PROPN
ajis02-751	43	43	2005	2005	NUM
ajis02-751	43	44	)	)	PUNCT
ajis02-751	43	45	.	.	PUNCT
ajis02-751	44	1	continued	continue	VERB
ajis02-751	44	2	use	use	NOUN
ajis02-751	44	3	of	of	ADP
ajis02-751	44	4	internet	internet	NOUN
ajis02-751	44	5	banking	banking	NOUN
ajis02-751	44	6	by	by	ADP
ajis02-751	44	7	customers	customer	NOUN
ajis02-751	44	8	is	be	AUX
ajis02-751	44	9	often	often	ADV
ajis02-751	44	10	neglected	neglect	VERB
ajis02-751	44	11	in	in	ADP
ajis02-751	44	12	the	the	DET
ajis02-751	44	13	marketing	marketing	NOUN
ajis02-751	44	14	literature	literature	NOUN
ajis02-751	44	15	,	,	PUNCT
ajis02-751	44	16	as	as	SCONJ
ajis02-751	44	17	most	most	ADJ
ajis02-751	44	18	studies	study	NOUN
ajis02-751	44	19	focus	focus	VERB
ajis02-751	44	20	on	on	ADP
ajis02-751	44	21	either	either	CCONJ
ajis02-751	44	22	consumer	consumer	NOUN
ajis02-751	44	23	adoption	adoption	NOUN
ajis02-751	44	24	or	or	CCONJ
ajis02-751	44	25	acceptance	acceptance	NOUN
ajis02-751	44	26	of	of	ADP
ajis02-751	44	27	internet	internet	NOUN
ajis02-751	44	28	banking	banking	NOUN
ajis02-751	44	29	(	(	PUNCT
ajis02-751	44	30	eriksson	eriksson	PROPN
ajis02-751	44	31	&	&	CCONJ
ajis02-751	44	32	nilsson	nilsson	PROPN
ajis02-751	44	33	2007	2007	NUM
ajis02-751	44	34	)	)	PUNCT
ajis02-751	44	35	.	.	PUNCT
ajis02-751	45	1	however	however	ADV
ajis02-751	45	2	,	,	PUNCT
ajis02-751	45	3	in	in	ADP
ajis02-751	45	4	practice	practice	NOUN
ajis02-751	45	5	,	,	PUNCT
ajis02-751	45	6	in	in	ADP
ajis02-751	45	7	comparison	comparison	NOUN
ajis02-751	45	8	to	to	ADP
ajis02-751	45	9	new	new	ADJ
ajis02-751	45	10	buyer	buyer	NOUN
ajis02-751	45	11	acquisition	acquisition	NOUN
ajis02-751	45	12	,	,	PUNCT
ajis02-751	45	13	continued	continue	VERB
ajis02-751	45	14	use	use	NOUN
ajis02-751	45	15	is	be	AUX
ajis02-751	45	16	related	relate	VERB
ajis02-751	45	17	to	to	ADP
ajis02-751	45	18	a	a	DET
ajis02-751	45	19	cost	cost	NOUN
ajis02-751	45	20	-	-	PUNCT
ajis02-751	45	21	effective	effective	ADJ
ajis02-751	45	22	marketing	marketing	NOUN
ajis02-751	45	23	strategy	strategy	NOUN
ajis02-751	45	24	aimed	aim	VERB
ajis02-751	45	25	at	at	ADP
ajis02-751	45	26	retaining	retain	VERB
ajis02-751	45	27	customers	customer	NOUN
ajis02-751	45	28	.	.	PUNCT
ajis02-751	46	1	the	the	DET
ajis02-751	46	2	goal	goal	NOUN
ajis02-751	46	3	of	of	ADP
ajis02-751	46	4	any	any	DET
ajis02-751	46	5	business	business	NOUN
ajis02-751	46	6	entity	entity	NOUN
ajis02-751	46	7	in	in	ADP
ajis02-751	46	8	the	the	DET
ajis02-751	46	9	long	long	ADJ
ajis02-751	46	10	term	term	NOUN
ajis02-751	46	11	is	be	AUX
ajis02-751	46	12	to	to	PART
ajis02-751	46	13	increase	increase	VERB
ajis02-751	46	14	its	its	PRON
ajis02-751	46	15	productivity	productivity	NOUN
ajis02-751	46	16	and	and	CCONJ
ajis02-751	46	17	maximisation	maximisation	NOUN
ajis02-751	46	18	of	of	ADP
ajis02-751	46	19	the	the	DET
ajis02-751	46	20	profits	profit	NOUN
ajis02-751	46	21	.	.	PUNCT
ajis02-751	47	1	retention	retention	NOUN
ajis02-751	47	2	strategies	strategy	NOUN
ajis02-751	47	3	foster	foster	ADJ
ajis02-751	47	4	customer	customer	NOUN
ajis02-751	47	5	relationship	relationship	NOUN
ajis02-751	47	6	management	management	NOUN
ajis02-751	47	7	and	and	CCONJ
ajis02-751	47	8	reduce	reduce	VERB
ajis02-751	47	9	customer	customer	NOUN
ajis02-751	47	10	switching	switch	VERB
ajis02-751	47	11	behaviour	behaviour	NOUN
ajis02-751	47	12	(	(	PUNCT
ajis02-751	47	13	kasheir	kasheir	NOUN
ajis02-751	47	14	et	et	PROPN
ajis02-751	47	15	al	al	PROPN
ajis02-751	47	16	.	.	PROPN
ajis02-751	47	17	2009	2009	NUM
ajis02-751	47	18	)	)	PUNCT
ajis02-751	47	19	.	.	PUNCT
ajis02-751	48	1	in	in	ADP
ajis02-751	48	2	order	order	NOUN
ajis02-751	48	3	to	to	PART
ajis02-751	48	4	achieve	achieve	VERB
ajis02-751	48	5	this	this	PRON
ajis02-751	48	6	,	,	PUNCT
ajis02-751	48	7	it	it	PRON
ajis02-751	48	8	is	be	AUX
ajis02-751	48	9	vital	vital	ADJ
ajis02-751	48	10	to	to	PART
ajis02-751	48	11	concentrate	concentrate	VERB
ajis02-751	48	12	on	on	ADP
ajis02-751	48	13	the	the	DET
ajis02-751	48	14	consumers	consumer	NOUN
ajis02-751	48	15	’	'	PUNCT
ajis02-751	48	16	continued	continue	VERB
ajis02-751	48	17	use	use	NOUN
ajis02-751	48	18	of	of	ADP
ajis02-751	48	19	a	a	DET
ajis02-751	48	20	particular	particular	ADJ
ajis02-751	48	21	product	product	NOUN
ajis02-751	48	22	or	or	CCONJ
ajis02-751	48	23	service	service	NOUN
ajis02-751	48	24	rather	rather	ADV
ajis02-751	48	25	than	than	ADP
ajis02-751	48	26	solely	solely	ADV
ajis02-751	48	27	on	on	ADP
ajis02-751	48	28	their	their	PRON
ajis02-751	48	29	acceptance	acceptance	NOUN
ajis02-751	48	30	of	of	ADP
ajis02-751	48	31	the	the	DET
ajis02-751	48	32	service	service	NOUN
ajis02-751	48	33	(	(	PUNCT
ajis02-751	48	34	kim	kim	PROPN
ajis02-751	48	35	&	&	CCONJ
ajis02-751	48	36	malhotra	malhotra	PROPN
ajis02-751	48	37	2005	2005	NUM
ajis02-751	48	38	)	)	PUNCT
ajis02-751	48	39	.	.	PUNCT
ajis02-751	49	1	with	with	ADP
ajis02-751	49	2	these	these	DET
ajis02-751	49	3	considerations	consideration	NOUN
ajis02-751	49	4	in	in	ADP
ajis02-751	49	5	mind	mind	NOUN
ajis02-751	49	6	,	,	PUNCT
ajis02-751	49	7	and	and	CCONJ
ajis02-751	49	8	the	the	DET
ajis02-751	49	9	existing	exist	VERB
ajis02-751	49	10	gaps	gap	NOUN
ajis02-751	49	11	in	in	ADP
ajis02-751	49	12	the	the	DET
ajis02-751	49	13	knowledge	knowledge	NOUN
ajis02-751	49	14	surrounding	surround	VERB
ajis02-751	49	15	consumers	consumer	NOUN
ajis02-751	49	16	’	'	PUNCT
ajis02-751	49	17	continued	continue	VERB
ajis02-751	49	18	use	use	NOUN
ajis02-751	49	19	of	of	ADP
ajis02-751	49	20	internet	internet	NOUN
ajis02-751	49	21	banking	banking	NOUN
ajis02-751	49	22	,	,	PUNCT
ajis02-751	49	23	the	the	DET
ajis02-751	49	24	present	present	ADJ
ajis02-751	49	25	study	study	NOUN
ajis02-751	49	26	focuses	focus	VERB
ajis02-751	49	27	on	on	ADP
ajis02-751	49	28	exploring	explore	VERB
ajis02-751	49	29	the	the	DET
ajis02-751	49	30	antecedents	antecedent	NOUN
ajis02-751	49	31	to	to	ADP
ajis02-751	49	32	consumers	consumer	NOUN
ajis02-751	49	33	’	'	PUNCT
ajis02-751	49	34	continued	continue	VERB
ajis02-751	49	35	use	use	NOUN
ajis02-751	49	36	of	of	ADP
ajis02-751	49	37	internet	internet	NOUN
ajis02-751	49	38	banking	banking	NOUN
ajis02-751	49	39	.	.	PUNCT
ajis02-751	50	1	literature	literature	NOUN
ajis02-751	50	2	synthesis	synthesis	NOUN
ajis02-751	50	3	methodologically	methodologically	ADV
ajis02-751	50	4	speaking	speak	VERB
ajis02-751	50	5	,	,	PUNCT
ajis02-751	50	6	it	it	PRON
ajis02-751	50	7	has	have	AUX
ajis02-751	50	8	become	become	VERB
ajis02-751	50	9	increasingly	increasingly	ADV
ajis02-751	50	10	important	important	ADJ
ajis02-751	50	11	for	for	SCONJ
ajis02-751	50	12	researchers	researcher	NOUN
ajis02-751	50	13	to	to	PART
ajis02-751	50	14	focus	focus	VERB
ajis02-751	50	15	on	on	ADP
ajis02-751	50	16	integrating	integrate	VERB
ajis02-751	50	17	relevant	relevant	ADJ
ajis02-751	50	18	theories	theory	NOUN
ajis02-751	50	19	and	and	CCONJ
ajis02-751	50	20	developing	develop	VERB
ajis02-751	50	21	hybrid	hybrid	ADJ
ajis02-751	50	22	models	model	NOUN
ajis02-751	50	23	for	for	ADP
ajis02-751	50	24	the	the	DET
ajis02-751	50	25	development	development	NOUN
ajis02-751	50	26	of	of	ADP
ajis02-751	50	27	theory	theory	NOUN
ajis02-751	50	28	in	in	ADP
ajis02-751	50	29	the	the	DET
ajis02-751	50	30	academic	academic	ADJ
ajis02-751	50	31	context	context	NOUN
ajis02-751	50	32	(	(	PUNCT
ajis02-751	50	33	kasheir	kasheir	NOUN
ajis02-751	50	34	et	et	PROPN
ajis02-751	50	35	al	al	PROPN
ajis02-751	50	36	.	.	PROPN
ajis02-751	50	37	2009	2009	NUM
ajis02-751	50	38	;	;	PUNCT
ajis02-751	50	39	yousafzai	yousafzai	PROPN
ajis02-751	50	40	et	et	PROPN
ajis02-751	50	41	al	al	PROPN
ajis02-751	50	42	.	.	PROPN
ajis02-751	50	43	2005	2005	NUM
ajis02-751	50	44	)	)	PUNCT
ajis02-751	50	45	.	.	PUNCT
ajis02-751	51	1	the	the	DET
ajis02-751	51	2	present	present	ADJ
ajis02-751	51	3	study	study	NOUN
ajis02-751	51	4	uses	use	VERB
ajis02-751	51	5	theoretical	theoretical	ADJ
ajis02-751	51	6	models	model	NOUN
ajis02-751	51	7	of	of	ADP
ajis02-751	51	8	technology	technology	NOUN
ajis02-751	51	9	acceptance	acceptance	NOUN
ajis02-751	51	10	and	and	CCONJ
ajis02-751	51	11	diffusion	diffusion	NOUN
ajis02-751	51	12	of	of	ADP
ajis02-751	51	13	innovations	innovation	NOUN
ajis02-751	51	14	theory	theory	NOUN
ajis02-751	51	15	and	and	CCONJ
ajis02-751	51	16	integrates	integrate	VERB
ajis02-751	51	17	them	they	PRON
ajis02-751	51	18	in	in	ADP
ajis02-751	51	19	order	order	NOUN
ajis02-751	51	20	to	to	PART
ajis02-751	51	21	identify	identify	VERB
ajis02-751	51	22	the	the	DET
ajis02-751	51	23	potential	potential	ADJ
ajis02-751	51	24	factors	factor	NOUN
ajis02-751	51	25	that	that	PRON
ajis02-751	51	26	might	might	AUX
ajis02-751	51	27	have	have	VERB
ajis02-751	51	28	an	an	DET
ajis02-751	51	29	impact	impact	NOUN
ajis02-751	51	30	on	on	ADP
ajis02-751	51	31	consumers	consumer	NOUN
ajis02-751	51	32	’	'	PUNCT
ajis02-751	51	33	continued	continue	VERB
ajis02-751	51	34	usage	usage	NOUN
ajis02-751	51	35	of	of	ADP
ajis02-751	51	36	internet	internet	NOUN
ajis02-751	51	37	banking	banking	NOUN
ajis02-751	51	38	.	.	PUNCT
ajis02-751	52	1	the	the	DET
ajis02-751	52	2	value	value	NOUN
ajis02-751	52	3	of	of	ADP
ajis02-751	52	4	integrating	integrating	NOUN
ajis02-751	52	5	models	model	NOUN
ajis02-751	52	6	lies	lie	VERB
ajis02-751	52	7	in	in	ADP
ajis02-751	52	8	the	the	DET
ajis02-751	52	9	ability	ability	NOUN
ajis02-751	52	10	of	of	ADP
ajis02-751	52	11	the	the	DET
ajis02-751	52	12	findings	finding	NOUN
ajis02-751	52	13	from	from	ADP
ajis02-751	52	14	such	such	ADJ
ajis02-751	52	15	research	research	NOUN
ajis02-751	52	16	to	to	PART
ajis02-751	52	17	be	be	AUX
ajis02-751	52	18	more	more	ADV
ajis02-751	52	19	robust	robust	ADJ
ajis02-751	52	20	and	and	CCONJ
ajis02-751	52	21	less	less	ADV
ajis02-751	52	22	open	open	ADJ
ajis02-751	52	23	to	to	ADP
ajis02-751	52	24	criticisms	criticism	NOUN
ajis02-751	52	25	based	base	VERB
ajis02-751	52	26	on	on	ADP
ajis02-751	52	27	reliability	reliability	NOUN
ajis02-751	52	28	and	and	CCONJ
ajis02-751	52	29	validity	validity	NOUN
ajis02-751	52	30	of	of	ADP
ajis02-751	52	31	the	the	DET
ajis02-751	52	32	findings	finding	NOUN
ajis02-751	52	33	.	.	PUNCT
ajis02-751	53	1	nevertheless	nevertheless	ADV
ajis02-751	53	2	,	,	PUNCT
ajis02-751	53	3	in	in	ADP
ajis02-751	53	4	recent	recent	ADJ
ajis02-751	53	5	years	year	NOUN
ajis02-751	53	6	,	,	PUNCT
ajis02-751	53	7	internet	internet	NOUN
ajis02-751	53	8	banking	banking	NOUN
ajis02-751	53	9	has	have	AUX
ajis02-751	53	10	shown	show	VERB
ajis02-751	53	11	increasing	increase	VERB
ajis02-751	53	12	uptake	uptake	NOUN
ajis02-751	53	13	by	by	ADP
ajis02-751	53	14	consumers	consumer	NOUN
ajis02-751	53	15	and	and	CCONJ
ajis02-751	53	16	there	there	PRON
ajis02-751	53	17	are	be	VERB
ajis02-751	53	18	more	more	ADV
ajis02-751	53	19	and	and	CCONJ
ajis02-751	53	20	more	more	ADJ
ajis02-751	53	21	consumers	consumer	NOUN
ajis02-751	53	22	who	who	PRON
ajis02-751	53	23	have	have	AUX
ajis02-751	53	24	carried	carry	VERB
ajis02-751	53	25	out	out	ADP
ajis02-751	53	26	internet	internet	NOUN
ajis02-751	53	27	banking	banking	NOUN
ajis02-751	53	28	transactions	transaction	NOUN
ajis02-751	53	29	several	several	ADJ
ajis02-751	53	30	times	time	NOUN
ajis02-751	53	31	.	.	PUNCT
ajis02-751	54	1	this	this	PRON
ajis02-751	54	2	,	,	PUNCT
ajis02-751	54	3	together	together	ADV
ajis02-751	54	4	with	with	ADP
ajis02-751	54	5	the	the	DET
ajis02-751	54	6	fact	fact	NOUN
ajis02-751	54	7	that	that	SCONJ
ajis02-751	54	8	when	when	SCONJ
ajis02-751	54	9	consumers	consumer	NOUN
ajis02-751	54	10	have	have	VERB
ajis02-751	54	11	experience	experience	NOUN
ajis02-751	54	12	with	with	ADP
ajis02-751	54	13	internet	internet	NOUN
ajis02-751	54	14	banking	banking	NOUN
ajis02-751	54	15	their	their	PRON
ajis02-751	54	16	behaviour	behaviour	NOUN
ajis02-751	54	17	is	be	AUX
ajis02-751	54	18	modified	modify	VERB
ajis02-751	54	19	,	,	PUNCT
ajis02-751	54	20	which	which	PRON
ajis02-751	54	21	produces	produce	VERB
ajis02-751	54	22	a	a	DET
ajis02-751	54	23	change	change	NOUN
ajis02-751	54	24	in	in	ADP
ajis02-751	54	25	their	their	PRON
ajis02-751	54	26	initial	initial	ADJ
ajis02-751	54	27	perceptions	perception	NOUN
ajis02-751	54	28	about	about	ADP
ajis02-751	54	29	internet	internet	NOUN
ajis02-751	54	30	banking	banking	NOUN
ajis02-751	54	31	.	.	PUNCT
ajis02-751	55	1	such	such	DET
ajis02-751	55	2	a	a	DET
ajis02-751	55	3	change	change	NOUN
ajis02-751	55	4	in	in	ADP
ajis02-751	55	5	consumer	consumer	NOUN
ajis02-751	55	6	behaviour	behaviour	NOUN
ajis02-751	55	7	makes	make	VERB
ajis02-751	55	8	it	it	PRON
ajis02-751	55	9	necessary	necessary	ADJ
ajis02-751	55	10	to	to	PART
ajis02-751	55	11	study	study	VERB
ajis02-751	55	12	not	not	PART
ajis02-751	55	13	only	only	ADV
ajis02-751	55	14	the	the	DET
ajis02-751	55	15	pre	pre	ADJ
ajis02-751	55	16	-	-	ADJ
ajis02-751	55	17	adoption	adoption	ADJ
ajis02-751	55	18	behaviour	behaviour	NOUN
ajis02-751	55	19	of	of	ADP
ajis02-751	55	20	consumers	consumer	NOUN
ajis02-751	55	21	,	,	PUNCT
ajis02-751	55	22	as	as	ADP
ajis02-751	55	23	in	in	ADP
ajis02-751	55	24	previous	previous	ADJ
ajis02-751	55	25	research	research	NOUN
ajis02-751	55	26	,	,	PUNCT
ajis02-751	55	27	but	but	CCONJ
ajis02-751	55	28	also	also	ADV
ajis02-751	55	29	the	the	DET
ajis02-751	55	30	post	post	ADJ
ajis02-751	55	31	-	-	ADJ
ajis02-751	55	32	adoption	adoption	ADJ
ajis02-751	55	33	behaviour	behaviour	NOUN
ajis02-751	55	34	towards	towards	ADP
ajis02-751	55	35	internet	internet	NOUN
ajis02-751	55	36	banking	banking	NOUN
ajis02-751	55	37	(	(	PUNCT
ajis02-751	55	38	hernandez	hernandez	PROPN
ajis02-751	55	39	et	et	PROPN
ajis02-751	55	40	australasian	australasian	PROPN
ajis02-751	55	41	journal	journal	NOUN
ajis02-751	55	42	of	of	ADP
ajis02-751	55	43	information	information	NOUN
ajis02-751	55	44	systems	system	NOUN
ajis02-751	55	45	volume	volume	NOUN
ajis02-751	55	46	18	18	NUM
ajis02-751	55	47	number1	number1	NOUN
ajis02-751	55	48	2013	2013	NUM
ajis02-751	55	49	8	8	NUM
ajis02-751	55	50	al	al	PROPN
ajis02-751	55	51	.	.	PROPN
ajis02-751	55	52	2008	2008	NUM
ajis02-751	55	53	)	)	PUNCT
ajis02-751	55	54	.	.	PUNCT
ajis02-751	56	1	therefore	therefore	ADV
ajis02-751	56	2	,	,	PUNCT
ajis02-751	56	3	the	the	DET
ajis02-751	56	4	objective	objective	NOUN
ajis02-751	56	5	of	of	ADP
ajis02-751	56	6	the	the	DET
ajis02-751	56	7	present	present	ADJ
ajis02-751	56	8	study	study	NOUN
ajis02-751	56	9	is	be	AUX
ajis02-751	56	10	to	to	PART
ajis02-751	56	11	analyse	analyse	VERB
ajis02-751	56	12	the	the	DET
ajis02-751	56	13	post	post	ADJ
ajis02-751	56	14	-	-	ADJ
ajis02-751	56	15	adoption	adoption	ADJ
ajis02-751	56	16	behaviour	behaviour	NOUN
ajis02-751	56	17	of	of	ADP
ajis02-751	56	18	experienced	experienced	ADJ
ajis02-751	56	19	internet	internet	NOUN
ajis02-751	56	20	banking	banking	NOUN
ajis02-751	56	21	users	user	NOUN
ajis02-751	56	22	in	in	ADP
ajis02-751	56	23	identifying	identify	VERB
ajis02-751	56	24	what	what	PRON
ajis02-751	56	25	factors	factor	NOUN
ajis02-751	56	26	influence	influence	VERB
ajis02-751	56	27	consumers	consumer	NOUN
ajis02-751	56	28	to	to	PART
ajis02-751	56	29	continue	continue	VERB
ajis02-751	56	30	to	to	PART
ajis02-751	56	31	use	use	VERB
ajis02-751	56	32	internet	internet	NOUN
ajis02-751	56	33	banking	banking	NOUN
ajis02-751	56	34	.	.	PUNCT
ajis02-751	57	1	thus	thus	ADV
ajis02-751	57	2	,	,	PUNCT
ajis02-751	57	3	from	from	ADP
ajis02-751	57	4	the	the	DET
ajis02-751	57	5	existing	exist	VERB
ajis02-751	57	6	research	research	NOUN
ajis02-751	57	7	,	,	PUNCT
ajis02-751	57	8	possible	possible	ADJ
ajis02-751	57	9	theoretical	theoretical	ADJ
ajis02-751	57	10	models	model	NOUN
ajis02-751	57	11	that	that	PRON
ajis02-751	57	12	provide	provide	VERB
ajis02-751	57	13	a	a	DET
ajis02-751	57	14	comprehensive	comprehensive	ADJ
ajis02-751	57	15	understanding	understanding	NOUN
ajis02-751	57	16	of	of	ADP
ajis02-751	57	17	user	user	NOUN
ajis02-751	57	18	acceptance	acceptance	NOUN
ajis02-751	57	19	of	of	ADP
ajis02-751	57	20	innovations	innovation	NOUN
ajis02-751	57	21	come	come	VERB
ajis02-751	57	22	from	from	ADP
ajis02-751	57	23	disciplines	discipline	NOUN
ajis02-751	57	24	such	such	ADJ
ajis02-751	57	25	as	as	ADP
ajis02-751	57	26	information	information	NOUN
ajis02-751	57	27	systems	system	NOUN
ajis02-751	57	28	,	,	PUNCT
ajis02-751	57	29	psychology	psychology	NOUN
ajis02-751	57	30	and	and	CCONJ
ajis02-751	57	31	sociology	sociology	NOUN
ajis02-751	57	32	.	.	PUNCT
ajis02-751	58	1	according	accord	VERB
ajis02-751	58	2	to	to	ADP
ajis02-751	58	3	bagozzi	bagozzi	ADJ
ajis02-751	58	4	(	(	PUNCT
ajis02-751	58	5	2007	2007	NUM
ajis02-751	58	6	)	)	PUNCT
ajis02-751	58	7	the	the	DET
ajis02-751	58	8	theory	theory	NOUN
ajis02-751	58	9	of	of	ADP
ajis02-751	58	10	reasoned	reason	VERB
ajis02-751	58	11	action	action	NOUN
ajis02-751	58	12	(	(	PUNCT
ajis02-751	58	13	tra	tra	NOUN
ajis02-751	58	14	)	)	PUNCT
ajis02-751	58	15	,	,	PUNCT
ajis02-751	58	16	theory	theory	NOUN
ajis02-751	58	17	of	of	ADP
ajis02-751	58	18	planned	plan	VERB
ajis02-751	58	19	behaviour	behaviour	NOUN
ajis02-751	58	20	(	(	PUNCT
ajis02-751	58	21	tpb	tpb	NOUN
ajis02-751	58	22	)	)	PUNCT
ajis02-751	58	23	and	and	CCONJ
ajis02-751	58	24	technology	technology	NOUN
ajis02-751	58	25	acceptance	acceptance	NOUN
ajis02-751	58	26	model	model	NOUN
ajis02-751	58	27	(	(	PUNCT
ajis02-751	58	28	tam	tam	NOUN
ajis02-751	58	29	)	)	PUNCT
ajis02-751	58	30	models	model	NOUN
ajis02-751	58	31	all	all	PRON
ajis02-751	58	32	seem	seem	VERB
ajis02-751	58	33	to	to	ADP
ajis02-751	58	34	neglect	neglect	NOUN
ajis02-751	58	35	group	group	NOUN
ajis02-751	58	36	,	,	PUNCT
ajis02-751	58	37	social	social	ADJ
ajis02-751	58	38	and	and	CCONJ
ajis02-751	58	39	cultural	cultural	ADJ
ajis02-751	58	40	aspects	aspect	NOUN
ajis02-751	58	41	of	of	ADP
ajis02-751	58	42	the	the	DET
ajis02-751	58	43	consumer	consumer	NOUN
ajis02-751	58	44	decision	decision	NOUN
ajis02-751	58	45	-	-	PUNCT
ajis02-751	58	46	making	make	VERB
ajis02-751	58	47	process	process	NOUN
ajis02-751	58	48	.	.	PUNCT
ajis02-751	59	1	mostly	mostly	ADV
ajis02-751	59	2	these	these	DET
ajis02-751	59	3	models	model	NOUN
ajis02-751	59	4	depend	depend	VERB
ajis02-751	59	5	on	on	ADP
ajis02-751	59	6	a	a	DET
ajis02-751	59	7	purely	purely	ADV
ajis02-751	59	8	deterministic	deterministic	ADJ
ajis02-751	59	9	framework	framework	NOUN
ajis02-751	59	10	and	and	CCONJ
ajis02-751	59	11	often	often	ADV
ajis02-751	59	12	self	self	NOUN
ajis02-751	59	13	-	-	PUNCT
ajis02-751	59	14	regulation	regulation	NOUN
ajis02-751	59	15	processes	process	NOUN
ajis02-751	59	16	are	be	AUX
ajis02-751	59	17	not	not	PART
ajis02-751	59	18	taken	take	VERB
ajis02-751	59	19	into	into	ADP
ajis02-751	59	20	consideration	consideration	NOUN
ajis02-751	59	21	.	.	PUNCT
ajis02-751	60	1	the	the	DET
ajis02-751	60	2	models	model	NOUN
ajis02-751	60	3	also	also	ADV
ajis02-751	60	4	attempt	attempt	VERB
ajis02-751	60	5	to	to	PART
ajis02-751	60	6	evaluate	evaluate	VERB
ajis02-751	60	7	the	the	DET
ajis02-751	60	8	consumers	consumer	NOUN
ajis02-751	60	9	’	'	PUNCT
ajis02-751	60	10	post	post	ADJ
ajis02-751	60	11	-	-	ADJ
ajis02-751	60	12	purchase	purchase	ADJ
ajis02-751	60	13	decision	decision	NOUN
ajis02-751	60	14	-	-	PUNCT
ajis02-751	60	15	making	make	VERB
ajis02-751	60	16	process	process	NOUN
ajis02-751	60	17	;	;	PUNCT
ajis02-751	60	18	however	however	ADV
ajis02-751	60	19	,	,	PUNCT
ajis02-751	60	20	in	in	ADP
ajis02-751	60	21	reality	reality	NOUN
ajis02-751	60	22	,	,	PUNCT
ajis02-751	60	23	these	these	DET
ajis02-751	60	24	theories	theory	NOUN
ajis02-751	60	25	rely	rely	VERB
ajis02-751	60	26	on	on	ADP
ajis02-751	60	27	consumers	consumer	NOUN
ajis02-751	60	28	’	’	PART
ajis02-751	60	29	perceptions	perception	NOUN
ajis02-751	60	30	of	of	ADP
ajis02-751	60	31	innovation	innovation	NOUN
ajis02-751	60	32	characteristics	characteristic	NOUN
ajis02-751	60	33	as	as	ADP
ajis02-751	60	34	a	a	DET
ajis02-751	60	35	significant	significant	ADJ
ajis02-751	60	36	predictor	predictor	NOUN
ajis02-751	60	37	of	of	ADP
ajis02-751	60	38	behavioural	behavioural	ADJ
ajis02-751	60	39	intention	intention	NOUN
ajis02-751	60	40	.	.	PUNCT
ajis02-751	61	1	however	however	ADV
ajis02-751	61	2	,	,	PUNCT
ajis02-751	61	3	kasheir	kasheir	INTJ
ajis02-751	61	4	et	et	PROPN
ajis02-751	61	5	al	al	PROPN
ajis02-751	61	6	.	.	PROPN
ajis02-751	61	7	(	(	PUNCT
ajis02-751	61	8	2009	2009	NUM
ajis02-751	61	9	)	)	PUNCT
ajis02-751	61	10	and	and	CCONJ
ajis02-751	61	11	many	many	ADJ
ajis02-751	61	12	researchers	researcher	NOUN
ajis02-751	61	13	believe	believe	VERB
ajis02-751	61	14	that	that	SCONJ
ajis02-751	61	15	these	these	DET
ajis02-751	61	16	theories	theory	NOUN
ajis02-751	61	17	are	be	AUX
ajis02-751	61	18	incomplete	incomplete	ADJ
ajis02-751	61	19	and	and	CCONJ
ajis02-751	61	20	that	that	SCONJ
ajis02-751	61	21	integrating	integrate	VERB
ajis02-751	61	22	aspects	aspect	NOUN
ajis02-751	61	23	of	of	ADP
ajis02-751	61	24	these	these	DET
ajis02-751	61	25	theories	theory	NOUN
ajis02-751	61	26	provides	provide	VERB
ajis02-751	61	27	a	a	DET
ajis02-751	61	28	better	well	ADJ
ajis02-751	61	29	understanding	understanding	NOUN
ajis02-751	61	30	and	and	CCONJ
ajis02-751	61	31	explanation	explanation	NOUN
ajis02-751	61	32	of	of	ADP
ajis02-751	61	33	consumer	consumer	NOUN
ajis02-751	61	34	evaluation	evaluation	NOUN
ajis02-751	61	35	of	of	ADP
ajis02-751	61	36	the	the	DET
ajis02-751	61	37	post	post	ADJ
ajis02-751	61	38	-	-	ADJ
ajis02-751	61	39	purchase	purchase	ADJ
ajis02-751	61	40	decision	decision	NOUN
ajis02-751	61	41	-	-	PUNCT
ajis02-751	61	42	making	make	VERB
ajis02-751	61	43	process	process	NOUN
ajis02-751	61	44	rather	rather	ADV
ajis02-751	61	45	than	than	ADP
ajis02-751	61	46	what	what	PRON
ajis02-751	61	47	is	be	AUX
ajis02-751	61	48	provided	provide	VERB
ajis02-751	61	49	by	by	ADP
ajis02-751	61	50	each	each	DET
ajis02-751	61	51	theory	theory	NOUN
ajis02-751	61	52	alone	alone	ADV
ajis02-751	61	53	.	.	PUNCT
ajis02-751	62	1	consumers	consumer	NOUN
ajis02-751	62	2	’	'	PUNCT
ajis02-751	62	3	continued	continue	VERB
ajis02-751	62	4	use	use	NOUN
ajis02-751	62	5	of	of	ADP
ajis02-751	62	6	internet	internet	NOUN
ajis02-751	62	7	banking	banking	NOUN
ajis02-751	62	8	assessment	assessment	NOUN
ajis02-751	62	9	may	may	AUX
ajis02-751	62	10	be	be	AUX
ajis02-751	62	11	more	more	ADV
ajis02-751	62	12	complex	complex	ADJ
ajis02-751	62	13	than	than	SCONJ
ajis02-751	62	14	current	current	ADJ
ajis02-751	62	15	theories	theory	NOUN
ajis02-751	62	16	explain	explain	VERB
ajis02-751	62	17	,	,	PUNCT
ajis02-751	62	18	due	due	ADP
ajis02-751	62	19	to	to	ADP
ajis02-751	62	20	the	the	DET
ajis02-751	62	21	fact	fact	NOUN
ajis02-751	62	22	that	that	SCONJ
ajis02-751	62	23	consumers	consumer	NOUN
ajis02-751	62	24	often	often	ADV
ajis02-751	62	25	need	need	VERB
ajis02-751	62	26	to	to	PART
ajis02-751	62	27	abandon	abandon	VERB
ajis02-751	62	28	or	or	CCONJ
ajis02-751	62	29	minimise	minimise	VERB
ajis02-751	62	30	their	their	PRON
ajis02-751	62	31	current	current	ADJ
ajis02-751	62	32	behaviour	behaviour	NOUN
ajis02-751	62	33	and	and	CCONJ
ajis02-751	62	34	usual	usual	ADJ
ajis02-751	62	35	concerns	concern	NOUN
ajis02-751	62	36	associated	associate	VERB
ajis02-751	62	37	with	with	ADP
ajis02-751	62	38	technological	technological	ADJ
ajis02-751	62	39	advancements	advancement	NOUN
ajis02-751	62	40	(	(	PUNCT
ajis02-751	62	41	falk	falk	NOUN
ajis02-751	62	42	et	et	NOUN
ajis02-751	62	43	al	al	PROPN
ajis02-751	62	44	.	.	PROPN
ajis02-751	62	45	2005	2005	NUM
ajis02-751	62	46	)	)	PUNCT
ajis02-751	62	47	.	.	PUNCT
ajis02-751	63	1	also	also	ADV
ajis02-751	63	2	,	,	PUNCT
ajis02-751	63	3	usage	usage	NOUN
ajis02-751	63	4	depends	depend	VERB
ajis02-751	63	5	upon	upon	SCONJ
ajis02-751	63	6	an	an	DET
ajis02-751	63	7	individual	individual	NOUN
ajis02-751	63	8	’s	’s	PART
ajis02-751	63	9	capability	capability	NOUN
ajis02-751	63	10	and	and	CCONJ
ajis02-751	63	11	capacity	capacity	NOUN
ajis02-751	63	12	to	to	PART
ajis02-751	63	13	engage	engage	VERB
ajis02-751	63	14	with	with	ADP
ajis02-751	63	15	these	these	DET
ajis02-751	63	16	proliferated	proliferate	VERB
ajis02-751	63	17	service	service	NOUN
ajis02-751	63	18	delivery	delivery	NOUN
ajis02-751	63	19	channels	channel	NOUN
ajis02-751	63	20	(	(	PUNCT
ajis02-751	63	21	walker	walker	PROPN
ajis02-751	63	22	&	&	CCONJ
ajis02-751	63	23	johnson	johnson	PROPN
ajis02-751	63	24	2006	2006	NUM
ajis02-751	63	25	)	)	PUNCT
ajis02-751	63	26	.	.	PUNCT
ajis02-751	64	1	often	often	ADV
ajis02-751	64	2	,	,	PUNCT
ajis02-751	64	3	continued	continued	ADJ
ajis02-751	64	4	use	use	NOUN
ajis02-751	64	5	is	be	AUX
ajis02-751	64	6	related	relate	VERB
ajis02-751	64	7	to	to	ADP
ajis02-751	64	8	the	the	DET
ajis02-751	64	9	technology	technology	NOUN
ajis02-751	64	10	updating	update	VERB
ajis02-751	64	11	mechanisms	mechanism	NOUN
ajis02-751	64	12	(	(	PUNCT
ajis02-751	64	13	kim	kim	PROPN
ajis02-751	64	14	&	&	CCONJ
ajis02-751	64	15	malhotra	malhotra	PROPN
ajis02-751	64	16	2005	2005	NUM
ajis02-751	64	17	)	)	PUNCT
ajis02-751	64	18	.	.	PUNCT
ajis02-751	65	1	consequently	consequently	ADV
ajis02-751	65	2	,	,	PUNCT
ajis02-751	65	3	existing	exist	VERB
ajis02-751	65	4	models	model	NOUN
ajis02-751	65	5	,	,	PUNCT
ajis02-751	65	6	whilst	whilst	SCONJ
ajis02-751	65	7	indicative	indicative	ADJ
ajis02-751	65	8	of	of	ADP
ajis02-751	65	9	internet	internet	NOUN
ajis02-751	65	10	usage	usage	NOUN
ajis02-751	65	11	behaviour	behaviour	NOUN
ajis02-751	65	12	,	,	PUNCT
ajis02-751	65	13	are	be	AUX
ajis02-751	65	14	not	not	PART
ajis02-751	65	15	complete	complete	ADJ
ajis02-751	65	16	in	in	ADP
ajis02-751	65	17	terms	term	NOUN
ajis02-751	65	18	of	of	ADP
ajis02-751	65	19	all	all	PRON
ajis02-751	65	20	of	of	ADP
ajis02-751	65	21	the	the	DET
ajis02-751	65	22	factors	factor	NOUN
ajis02-751	65	23	consumers	consumer	NOUN
ajis02-751	65	24	refer	refer	VERB
ajis02-751	65	25	to	to	ADP
ajis02-751	65	26	in	in	ADP
ajis02-751	65	27	their	their	PRON
ajis02-751	65	28	decisionmaking	decisionmaking	NOUN
ajis02-751	65	29	.	.	PUNCT
ajis02-751	66	1	technological	technological	ADJ
ajis02-751	66	2	advances	advance	NOUN
ajis02-751	66	3	in	in	ADP
ajis02-751	66	4	society	society	NOUN
ajis02-751	66	5	have	have	VERB
ajis02-751	66	6	an	an	DET
ajis02-751	66	7	impact	impact	NOUN
ajis02-751	66	8	on	on	ADP
ajis02-751	66	9	marketing	marketing	NOUN
ajis02-751	66	10	practices	practice	NOUN
ajis02-751	66	11	.	.	PUNCT
ajis02-751	67	1	information	information	NOUN
ajis02-751	67	2	and	and	CCONJ
ajis02-751	67	3	knowledge	knowledge	NOUN
ajis02-751	67	4	about	about	ADP
ajis02-751	67	5	markets	market	NOUN
ajis02-751	67	6	,	,	PUNCT
ajis02-751	67	7	customers	customer	NOUN
ajis02-751	67	8	and	and	CCONJ
ajis02-751	67	9	competitors	competitor	NOUN
ajis02-751	67	10	becomes	become	VERB
ajis02-751	67	11	more	more	ADV
ajis02-751	67	12	complex	complex	ADJ
ajis02-751	67	13	and	and	CCONJ
ajis02-751	67	14	available	available	ADJ
ajis02-751	67	15	with	with	ADP
ajis02-751	67	16	the	the	DET
ajis02-751	67	17	implementation	implementation	NOUN
ajis02-751	67	18	of	of	ADP
ajis02-751	67	19	technological	technological	ADJ
ajis02-751	67	20	innovations	innovation	NOUN
ajis02-751	67	21	(	(	PUNCT
ajis02-751	67	22	rust	rust	NOUN
ajis02-751	67	23	&	&	CCONJ
ajis02-751	67	24	espinoza	espinoza	PROPN
ajis02-751	67	25	2006	2006	NUM
ajis02-751	67	26	)	)	PUNCT
ajis02-751	67	27	.	.	PUNCT
ajis02-751	68	1	as	as	ADP
ajis02-751	68	2	a	a	DET
ajis02-751	68	3	result	result	NOUN
ajis02-751	68	4	,	,	PUNCT
ajis02-751	68	5	better	well	ADJ
ajis02-751	68	6	services	service	NOUN
ajis02-751	68	7	can	can	AUX
ajis02-751	68	8	potentially	potentially	ADV
ajis02-751	68	9	be	be	AUX
ajis02-751	68	10	offered	offer	VERB
ajis02-751	68	11	by	by	ADP
ajis02-751	68	12	companies	company	NOUN
ajis02-751	68	13	to	to	PART
ajis02-751	68	14	satisfy	satisfy	VERB
ajis02-751	68	15	each	each	DET
ajis02-751	68	16	customer	customer	NOUN
ajis02-751	68	17	’s	’s	PART
ajis02-751	68	18	specific	specific	ADJ
ajis02-751	68	19	needs	need	NOUN
ajis02-751	68	20	.	.	PUNCT
ajis02-751	69	1	thus	thus	ADV
ajis02-751	69	2	,	,	PUNCT
ajis02-751	69	3	a	a	DET
ajis02-751	69	4	clear	clear	ADJ
ajis02-751	69	5	shift	shift	NOUN
ajis02-751	69	6	from	from	ADP
ajis02-751	69	7	traditional	traditional	ADJ
ajis02-751	69	8	product	product	NOUN
ajis02-751	69	9	orientation	orientation	NOUN
ajis02-751	69	10	to	to	ADP
ajis02-751	69	11	customer	customer	NOUN
ajis02-751	69	12	orientation	orientation	NOUN
ajis02-751	69	13	in	in	ADP
ajis02-751	69	14	marketing	marketing	NOUN
ajis02-751	69	15	practice	practice	NOUN
ajis02-751	69	16	is	be	AUX
ajis02-751	69	17	evident	evident	ADJ
ajis02-751	69	18	as	as	SCONJ
ajis02-751	69	19	businesses	business	NOUN
ajis02-751	69	20	vigorously	vigorously	ADV
ajis02-751	69	21	compete	compete	VERB
ajis02-751	69	22	in	in	ADP
ajis02-751	69	23	the	the	DET
ajis02-751	69	24	application	application	NOUN
ajis02-751	69	25	of	of	ADP
ajis02-751	69	26	technology	technology	NOUN
ajis02-751	69	27	to	to	ADP
ajis02-751	69	28	services	service	NOUN
ajis02-751	69	29	(	(	PUNCT
ajis02-751	69	30	lovelock	lovelock	PROPN
ajis02-751	69	31	&	&	CCONJ
ajis02-751	69	32	wirtz	wirtz	PROPN
ajis02-751	69	33	2004	2004	NUM
ajis02-751	69	34	)	)	PUNCT
ajis02-751	69	35	.	.	PUNCT
ajis02-751	70	1	therefore	therefore	ADV
ajis02-751	70	2	,	,	PUNCT
ajis02-751	70	3	service	service	NOUN
ajis02-751	70	4	delivery	delivery	NOUN
ajis02-751	70	5	has	have	AUX
ajis02-751	70	6	become	become	VERB
ajis02-751	70	7	the	the	DET
ajis02-751	70	8	central	central	ADJ
ajis02-751	70	9	focus	focus	NOUN
ajis02-751	70	10	of	of	ADP
ajis02-751	70	11	many	many	ADJ
ajis02-751	70	12	businesses	business	NOUN
ajis02-751	70	13	today	today	NOUN
ajis02-751	70	14	,	,	PUNCT
ajis02-751	70	15	paving	pave	VERB
ajis02-751	70	16	the	the	DET
ajis02-751	70	17	way	way	NOUN
ajis02-751	70	18	for	for	ADP
ajis02-751	70	19	a	a	DET
ajis02-751	70	20	new	new	ADJ
ajis02-751	70	21	paradigm	paradigm	NOUN
ajis02-751	70	22	described	describe	VERB
ajis02-751	70	23	as	as	ADP
ajis02-751	70	24	‘	'	PUNCT
ajis02-751	70	25	the	the	DET
ajis02-751	70	26	service	service	NOUN
ajis02-751	70	27	revolution	revolution	NOUN
ajis02-751	70	28	’	'	PUNCT
ajis02-751	70	29	.	.	PUNCT
ajis02-751	71	1	existing	exist	VERB
ajis02-751	71	2	research	research	NOUN
ajis02-751	71	3	has	have	AUX
ajis02-751	71	4	revealed	reveal	VERB
ajis02-751	71	5	the	the	DET
ajis02-751	71	6	multifaceted	multifaceted	ADJ
ajis02-751	71	7	use	use	NOUN
ajis02-751	71	8	of	of	ADP
ajis02-751	71	9	technology	technology	NOUN
ajis02-751	71	10	-	-	PUNCT
ajis02-751	71	11	enabled	enable	VERB
ajis02-751	71	12	products	product	NOUN
ajis02-751	71	13	and	and	CCONJ
ajis02-751	71	14	services	service	NOUN
ajis02-751	71	15	(	(	PUNCT
ajis02-751	71	16	ye	ye	INTJ
ajis02-751	71	17	et	et	PROPN
ajis02-751	71	18	al	al	PROPN
ajis02-751	71	19	.	.	PROPN
ajis02-751	71	20	2008	2008	NUM
ajis02-751	71	21	)	)	PUNCT
ajis02-751	71	22	.	.	PUNCT
ajis02-751	72	1	the	the	DET
ajis02-751	72	2	influence	influence	NOUN
ajis02-751	72	3	exerted	exert	VERB
ajis02-751	72	4	by	by	ADP
ajis02-751	72	5	technological	technological	ADJ
ajis02-751	72	6	innovations	innovation	NOUN
ajis02-751	72	7	in	in	ADP
ajis02-751	72	8	pre	pre	ADJ
ajis02-751	72	9	-	-	ADJ
ajis02-751	72	10	adoption	adoption	ADJ
ajis02-751	72	11	consumer	consumer	NOUN
ajis02-751	72	12	behaviour	behaviour	NOUN
ajis02-751	72	13	has	have	AUX
ajis02-751	72	14	been	be	AUX
ajis02-751	72	15	acknowledged	acknowledge	VERB
ajis02-751	72	16	by	by	ADP
ajis02-751	72	17	researchers	researcher	NOUN
ajis02-751	72	18	(	(	PUNCT
ajis02-751	72	19	jha	jha	PROPN
ajis02-751	72	20	et	et	PROPN
ajis02-751	72	21	al	al	PROPN
ajis02-751	72	22	.	.	PROPN
ajis02-751	72	23	2006	2006	NUM
ajis02-751	72	24	)	)	PUNCT
ajis02-751	72	25	.	.	PUNCT
ajis02-751	73	1	the	the	DET
ajis02-751	73	2	simultaneous	simultaneous	ADJ
ajis02-751	73	3	interactions	interaction	NOUN
ajis02-751	73	4	of	of	ADP
ajis02-751	73	5	consumers	consumer	NOUN
ajis02-751	73	6	with	with	ADP
ajis02-751	73	7	technology	technology	NOUN
ajis02-751	73	8	have	have	AUX
ajis02-751	73	9	caused	cause	VERB
ajis02-751	73	10	them	they	PRON
ajis02-751	73	11	to	to	PART
ajis02-751	73	12	experience	experience	VERB
ajis02-751	73	13	positive	positive	ADJ
ajis02-751	73	14	and	and	CCONJ
ajis02-751	73	15	negative	negative	ADJ
ajis02-751	73	16	reactions	reaction	NOUN
ajis02-751	73	17	about	about	ADP
ajis02-751	73	18	the	the	DET
ajis02-751	73	19	use	use	NOUN
ajis02-751	73	20	of	of	ADP
ajis02-751	73	21	technology	technology	NOUN
ajis02-751	73	22	(	(	PUNCT
ajis02-751	73	23	parasuraman	parasuraman	NOUN
ajis02-751	73	24	1997	1997	NUM
ajis02-751	73	25	)	)	PUNCT
ajis02-751	73	26	.	.	PUNCT
ajis02-751	74	1	an	an	DET
ajis02-751	74	2	array	array	NOUN
ajis02-751	74	3	of	of	ADP
ajis02-751	74	4	consumer	consumer	NOUN
ajis02-751	74	5	reactions	reaction	NOUN
ajis02-751	74	6	such	such	ADJ
ajis02-751	74	7	as	as	ADP
ajis02-751	74	8	control	control	NOUN
ajis02-751	74	9	,	,	PUNCT
ajis02-751	74	10	competence	competence	NOUN
ajis02-751	74	11	,	,	PUNCT
ajis02-751	74	12	efficiency	efficiency	NOUN
ajis02-751	74	13	and	and	CCONJ
ajis02-751	74	14	assimilation	assimilation	NOUN
ajis02-751	74	15	can	can	AUX
ajis02-751	74	16	be	be	AUX
ajis02-751	74	17	triggered	trigger	VERB
ajis02-751	74	18	when	when	SCONJ
ajis02-751	74	19	consumers	consumer	NOUN
ajis02-751	74	20	experience	experience	VERB
ajis02-751	74	21	technological	technological	ADJ
ajis02-751	74	22	interactions	interaction	NOUN
ajis02-751	74	23	(	(	PUNCT
ajis02-751	74	24	mick	mick	PROPN
ajis02-751	74	25	&	&	CCONJ
ajis02-751	74	26	fournier	fournier	PROPN
ajis02-751	74	27	1998	1998	NUM
ajis02-751	74	28	,	,	PUNCT
ajis02-751	74	29	p.126	p.126	NOUN
ajis02-751	74	30	)	)	PUNCT
ajis02-751	74	31	.	.	PUNCT
ajis02-751	75	1	in	in	ADP
ajis02-751	75	2	order	order	NOUN
ajis02-751	75	3	to	to	PART
ajis02-751	75	4	cope	cope	VERB
ajis02-751	75	5	with	with	ADP
ajis02-751	75	6	technologies	technology	NOUN
ajis02-751	75	7	,	,	PUNCT
ajis02-751	75	8	consumers	consumer	NOUN
ajis02-751	75	9	engage	engage	VERB
ajis02-751	75	10	in	in	ADP
ajis02-751	75	11	different	different	ADJ
ajis02-751	75	12	strategies	strategy	NOUN
ajis02-751	75	13	that	that	PRON
ajis02-751	75	14	range	range	VERB
ajis02-751	75	15	from	from	ADP
ajis02-751	75	16	non	non	ADJ
ajis02-751	75	17	-	-	NOUN
ajis02-751	75	18	adoption	adoption	NOUN
ajis02-751	75	19	and	and	CCONJ
ajis02-751	75	20	ignorance	ignorance	NOUN
ajis02-751	75	21	,	,	PUNCT
ajis02-751	75	22	to	to	ADP
ajis02-751	75	23	actual	actual	ADJ
ajis02-751	75	24	adoption	adoption	NOUN
ajis02-751	75	25	and	and	CCONJ
ajis02-751	75	26	usage	usage	NOUN
ajis02-751	75	27	(	(	PUNCT
ajis02-751	75	28	parasuraman	parasuraman	NOUN
ajis02-751	75	29	2000	2000	NUM
ajis02-751	75	30	)	)	PUNCT
ajis02-751	75	31	.	.	PUNCT
ajis02-751	76	1	however	however	ADV
ajis02-751	76	2	,	,	PUNCT
ajis02-751	76	3	consumers	consumer	NOUN
ajis02-751	76	4	continue	continue	VERB
ajis02-751	76	5	to	to	PART
ajis02-751	76	6	modify	modify	VERB
ajis02-751	76	7	and	and	CCONJ
ajis02-751	76	8	innovate	innovate	VERB
ajis02-751	76	9	with	with	ADP
ajis02-751	76	10	technology	technology	NOUN
ajis02-751	76	11	artefacts	artefact	NOUN
ajis02-751	76	12	,	,	PUNCT
ajis02-751	76	13	even	even	ADV
ajis02-751	76	14	after	after	ADP
ajis02-751	76	15	adoption	adoption	NOUN
ajis02-751	76	16	of	of	ADP
ajis02-751	76	17	a	a	DET
ajis02-751	76	18	technology	technology	NOUN
ajis02-751	76	19	-	-	PUNCT
ajis02-751	76	20	associated	associate	VERB
ajis02-751	76	21	product	product	NOUN
ajis02-751	76	22	or	or	CCONJ
ajis02-751	76	23	service	service	NOUN
ajis02-751	76	24	(	(	PUNCT
ajis02-751	76	25	desouza	desouza	PROPN
ajis02-751	76	26	et	et	PROPN
ajis02-751	76	27	al	al	PROPN
ajis02-751	76	28	.	.	PROPN
ajis02-751	76	29	2007	2007	NUM
ajis02-751	76	30	)	)	PUNCT
ajis02-751	76	31	.	.	PUNCT
ajis02-751	77	1	the	the	DET
ajis02-751	77	2	role	role	NOUN
ajis02-751	77	3	played	play	VERB
ajis02-751	77	4	by	by	ADP
ajis02-751	77	5	technology	technology	NOUN
ajis02-751	77	6	-	-	PUNCT
ajis02-751	77	7	related	relate	VERB
ajis02-751	77	8	factors	factor	NOUN
ajis02-751	77	9	during	during	ADP
ajis02-751	77	10	consumers	consumer	NOUN
ajis02-751	77	11	’	'	PUNCT
ajis02-751	77	12	postadoption	postadoption	NOUN
ajis02-751	77	13	behaviour	behaviour	NOUN
ajis02-751	77	14	remains	remain	VERB
ajis02-751	77	15	unexplored	unexplored	ADJ
ajis02-751	77	16	.	.	PUNCT
ajis02-751	78	1	as	as	SCONJ
ajis02-751	78	2	consumer	consumer	NOUN
ajis02-751	78	3	’s	’s	PART
ajis02-751	78	4	level	level	NOUN
ajis02-751	78	5	of	of	ADP
ajis02-751	78	6	experience	experience	NOUN
ajis02-751	78	7	and	and	CCONJ
ajis02-751	78	8	sophistication	sophistication	NOUN
ajis02-751	78	9	in	in	ADP
ajis02-751	78	10	using	use	VERB
ajis02-751	78	11	a	a	DET
ajis02-751	78	12	particular	particular	ADJ
ajis02-751	78	13	technology	technology	NOUN
ajis02-751	78	14	becomes	become	VERB
ajis02-751	78	15	elevated	elevated	ADJ
ajis02-751	78	16	,	,	PUNCT
ajis02-751	78	17	consumers	consumer	NOUN
ajis02-751	78	18	’	'	PUNCT
ajis02-751	78	19	expectation	expectation	NOUN
ajis02-751	78	20	of	of	ADP
ajis02-751	78	21	the	the	DET
ajis02-751	78	22	service	service	NOUN
ajis02-751	78	23	suitability	suitability	NOUN
ajis02-751	78	24	to	to	ADP
ajis02-751	78	25	their	their	PRON
ajis02-751	78	26	specific	specific	ADJ
ajis02-751	78	27	needs	need	NOUN
ajis02-751	78	28	also	also	ADV
ajis02-751	78	29	increases	increase	VERB
ajis02-751	78	30	(	(	PUNCT
ajis02-751	78	31	ye	ye	INTJ
ajis02-751	78	32	et	et	NOUN
ajis02-751	78	33	al	al	PROPN
ajis02-751	78	34	.	.	PROPN
ajis02-751	78	35	2008	2008	NUM
ajis02-751	78	36	)	)	PUNCT
ajis02-751	78	37	.	.	PUNCT
ajis02-751	79	1	australasian	australasian	ADJ
ajis02-751	79	2	journal	journal	NOUN
ajis02-751	79	3	of	of	ADP
ajis02-751	79	4	information	information	NOUN
ajis02-751	79	5	systems	system	NOUN
ajis02-751	79	6	volume	volume	NOUN
ajis02-751	79	7	18	18	NUM
ajis02-751	79	8	number1	number1	NOUN
ajis02-751	79	9	2013	2013	NUM
ajis02-751	79	10	9	9	NUM
ajis02-751	79	11	the	the	DET
ajis02-751	79	12	past	past	ADJ
ajis02-751	79	13	decade	decade	NOUN
ajis02-751	79	14	has	have	AUX
ajis02-751	79	15	seen	see	VERB
ajis02-751	79	16	some	some	PRON
ajis02-751	79	17	of	of	ADP
ajis02-751	79	18	the	the	DET
ajis02-751	79	19	most	most	ADV
ajis02-751	79	20	rapid	rapid	ADJ
ajis02-751	79	21	and	and	CCONJ
ajis02-751	79	22	substantive	substantive	ADJ
ajis02-751	79	23	changes	change	NOUN
ajis02-751	79	24	in	in	ADP
ajis02-751	79	25	channels	channel	NOUN
ajis02-751	79	26	of	of	ADP
ajis02-751	79	27	distribution	distribution	NOUN
ajis02-751	79	28	for	for	ADP
ajis02-751	79	29	goods	good	NOUN
ajis02-751	79	30	and	and	CCONJ
ajis02-751	79	31	services	service	NOUN
ajis02-751	79	32	in	in	ADP
ajis02-751	79	33	many	many	ADJ
ajis02-751	79	34	economies	economy	NOUN
ajis02-751	79	35	(	(	PUNCT
ajis02-751	79	36	black	black	NOUN
ajis02-751	79	37	et	et	PROPN
ajis02-751	79	38	al	al	PROPN
ajis02-751	79	39	.	.	PROPN
ajis02-751	79	40	2002	2002	NUM
ajis02-751	79	41	)	)	PUNCT
ajis02-751	79	42	.	.	PUNCT
ajis02-751	80	1	the	the	DET
ajis02-751	80	2	advent	advent	NOUN
ajis02-751	80	3	of	of	ADP
ajis02-751	80	4	the	the	DET
ajis02-751	80	5	internet	internet	NOUN
ajis02-751	80	6	challenged	challenge	VERB
ajis02-751	80	7	the	the	DET
ajis02-751	80	8	traditional	traditional	ADJ
ajis02-751	80	9	role	role	NOUN
ajis02-751	80	10	played	play	VERB
ajis02-751	80	11	by	by	ADP
ajis02-751	80	12	many	many	ADJ
ajis02-751	80	13	intermediaries	intermediary	NOUN
ajis02-751	80	14	and	and	CCONJ
ajis02-751	80	15	presented	present	VERB
ajis02-751	80	16	buyers	buyer	NOUN
ajis02-751	80	17	with	with	ADP
ajis02-751	80	18	a	a	DET
ajis02-751	80	19	choice	choice	NOUN
ajis02-751	80	20	in	in	ADP
ajis02-751	80	21	terms	term	NOUN
ajis02-751	80	22	of	of	ADP
ajis02-751	80	23	their	their	PRON
ajis02-751	80	24	distribution	distribution	NOUN
ajis02-751	80	25	channel	channel	NOUN
ajis02-751	80	26	usage	usage	NOUN
ajis02-751	80	27	.	.	PUNCT
ajis02-751	81	1	today	today	NOUN
ajis02-751	81	2	’s	’s	PART
ajis02-751	81	3	consumers	consumer	NOUN
ajis02-751	81	4	are	be	AUX
ajis02-751	81	5	exposed	expose	VERB
ajis02-751	81	6	to	to	ADP
ajis02-751	81	7	several	several	ADJ
ajis02-751	81	8	service	service	NOUN
ajis02-751	81	9	delivery	delivery	NOUN
ajis02-751	81	10	channels	channel	NOUN
ajis02-751	81	11	and	and	CCONJ
ajis02-751	81	12	researchers	researcher	NOUN
ajis02-751	81	13	in	in	ADP
ajis02-751	81	14	this	this	DET
ajis02-751	81	15	area	area	NOUN
ajis02-751	81	16	tend	tend	VERB
ajis02-751	81	17	to	to	PART
ajis02-751	81	18	concentrate	concentrate	VERB
ajis02-751	81	19	on	on	ADP
ajis02-751	81	20	understanding	understanding	NOUN
ajis02-751	81	21	and	and	CCONJ
ajis02-751	81	22	analysing	analyse	VERB
ajis02-751	81	23	channel	channel	NOUN
ajis02-751	81	24	design	design	NOUN
ajis02-751	81	25	strategies	strategy	NOUN
ajis02-751	81	26	,	,	PUNCT
ajis02-751	81	27	instead	instead	ADV
ajis02-751	81	28	of	of	ADP
ajis02-751	81	29	the	the	DET
ajis02-751	81	30	issue	issue	NOUN
ajis02-751	81	31	of	of	ADP
ajis02-751	81	32	channel	channel	NOUN
ajis02-751	81	33	selection	selection	NOUN
ajis02-751	81	34	and	and	CCONJ
ajis02-751	81	35	usage	usage	NOUN
ajis02-751	81	36	which	which	PRON
ajis02-751	81	37	have	have	AUX
ajis02-751	81	38	received	receive	VERB
ajis02-751	81	39	relatively	relatively	ADV
ajis02-751	81	40	little	little	ADJ
ajis02-751	81	41	attention	attention	NOUN
ajis02-751	81	42	in	in	ADP
ajis02-751	81	43	the	the	DET
ajis02-751	81	44	existing	exist	VERB
ajis02-751	81	45	literature	literature	NOUN
ajis02-751	81	46	(	(	PUNCT
ajis02-751	81	47	yousafzai	yousafzai	PROPN
ajis02-751	81	48	et	et	PROPN
ajis02-751	81	49	al	al	PROPN
ajis02-751	81	50	.	.	PROPN
ajis02-751	81	51	2005	2005	NUM
ajis02-751	81	52	)	)	PUNCT
ajis02-751	81	53	.	.	PUNCT
ajis02-751	82	1	such	such	ADJ
ajis02-751	82	2	trends	trend	NOUN
ajis02-751	82	3	therefore	therefore	ADV
ajis02-751	82	4	highlight	highlight	VERB
ajis02-751	82	5	the	the	DET
ajis02-751	82	6	growing	grow	VERB
ajis02-751	82	7	need	need	NOUN
ajis02-751	82	8	to	to	PART
ajis02-751	82	9	understand	understand	VERB
ajis02-751	82	10	the	the	DET
ajis02-751	82	11	ways	way	NOUN
ajis02-751	82	12	in	in	ADP
ajis02-751	82	13	which	which	PRON
ajis02-751	82	14	consumers	consumer	NOUN
ajis02-751	82	15	may	may	AUX
ajis02-751	82	16	choose	choose	VERB
ajis02-751	82	17	between	between	ADP
ajis02-751	82	18	alternate	alternate	ADJ
ajis02-751	82	19	channels	channel	NOUN
ajis02-751	82	20	and	and	CCONJ
ajis02-751	82	21	the	the	DET
ajis02-751	82	22	circumstances	circumstance	NOUN
ajis02-751	82	23	under	under	ADP
ajis02-751	82	24	which	which	PRON
ajis02-751	82	25	one	one	NUM
ajis02-751	82	26	channel	channel	NOUN
ajis02-751	82	27	may	may	AUX
ajis02-751	82	28	be	be	AUX
ajis02-751	82	29	chosen	choose	VERB
ajis02-751	82	30	over	over	ADP
ajis02-751	82	31	another	another	PRON
ajis02-751	82	32	(	(	PUNCT
ajis02-751	82	33	black	black	NOUN
ajis02-751	82	34	et	et	PROPN
ajis02-751	82	35	al	al	PROPN
ajis02-751	82	36	.	.	PROPN
ajis02-751	82	37	2002	2002	NUM
ajis02-751	82	38	)	)	PUNCT
ajis02-751	82	39	.	.	PUNCT
ajis02-751	83	1	the	the	DET
ajis02-751	83	2	proliferation	proliferation	NOUN
ajis02-751	83	3	of	of	ADP
ajis02-751	83	4	service	service	NOUN
ajis02-751	83	5	delivery	delivery	NOUN
ajis02-751	83	6	channels	channel	NOUN
ajis02-751	83	7	is	be	AUX
ajis02-751	83	8	evident	evident	ADJ
ajis02-751	83	9	in	in	ADP
ajis02-751	83	10	the	the	DET
ajis02-751	83	11	financial	financial	ADJ
ajis02-751	83	12	services	service	NOUN
ajis02-751	83	13	context	context	NOUN
ajis02-751	83	14	,	,	PUNCT
ajis02-751	83	15	specifically	specifically	ADV
ajis02-751	83	16	in	in	ADP
ajis02-751	83	17	the	the	DET
ajis02-751	83	18	retail	retail	ADJ
ajis02-751	83	19	banking	banking	NOUN
ajis02-751	83	20	sector	sector	NOUN
ajis02-751	83	21	.	.	PUNCT
ajis02-751	84	1	much	much	ADJ
ajis02-751	84	2	of	of	ADP
ajis02-751	84	3	the	the	DET
ajis02-751	84	4	initial	initial	ADJ
ajis02-751	84	5	channel	channel	NOUN
ajis02-751	84	6	adoption	adoption	NOUN
ajis02-751	84	7	literature	literature	NOUN
ajis02-751	84	8	in	in	ADP
ajis02-751	84	9	financial	financial	ADJ
ajis02-751	84	10	services	service	NOUN
ajis02-751	84	11	marketing	marketing	NOUN
ajis02-751	84	12	research	research	NOUN
ajis02-751	84	13	focused	focus	VERB
ajis02-751	84	14	attention	attention	NOUN
ajis02-751	84	15	on	on	ADP
ajis02-751	84	16	atms	atms	PROPN
ajis02-751	84	17	(	(	PUNCT
ajis02-751	84	18	rugimbana	rugimbana	PROPN
ajis02-751	84	19	1995	1995	NUM
ajis02-751	84	20	)	)	PUNCT
ajis02-751	84	21	.	.	PUNCT
ajis02-751	85	1	in	in	ADP
ajis02-751	85	2	the	the	DET
ajis02-751	85	3	1990s	1990	NOUN
ajis02-751	85	4	,	,	PUNCT
ajis02-751	85	5	there	there	PRON
ajis02-751	85	6	was	be	VERB
ajis02-751	85	7	a	a	DET
ajis02-751	85	8	shift	shift	NOUN
ajis02-751	85	9	in	in	ADP
ajis02-751	85	10	interest	interest	NOUN
ajis02-751	85	11	towards	towards	ADP
ajis02-751	85	12	telephone	telephone	NOUN
ajis02-751	85	13	banking	banking	NOUN
ajis02-751	85	14	(	(	PUNCT
ajis02-751	85	15	lockett	lockett	PROPN
ajis02-751	85	16	&	&	CCONJ
ajis02-751	85	17	littler	little	ADJ
ajis02-751	85	18	1997	1997	NUM
ajis02-751	85	19	)	)	PUNCT
ajis02-751	85	20	and	and	CCONJ
ajis02-751	85	21	electronic	electronic	ADJ
ajis02-751	85	22	banking	banking	NOUN
ajis02-751	85	23	(	(	PUNCT
ajis02-751	85	24	liao	liao	PROPN
ajis02-751	85	25	et	et	PROPN
ajis02-751	85	26	al	al	PROPN
ajis02-751	85	27	.	.	PROPN
ajis02-751	85	28	1999	1999	NUM
ajis02-751	85	29	)	)	PUNCT
ajis02-751	85	30	.	.	PUNCT
ajis02-751	86	1	subsequent	subsequent	ADJ
ajis02-751	86	2	studies	study	NOUN
ajis02-751	86	3	focused	focus	VERB
ajis02-751	86	4	specifically	specifically	ADV
ajis02-751	86	5	on	on	ADP
ajis02-751	86	6	internet	internet	NOUN
ajis02-751	86	7	banking	banking	NOUN
ajis02-751	86	8	(	(	PUNCT
ajis02-751	86	9	black	black	NOUN
ajis02-751	86	10	et	et	PROPN
ajis02-751	86	11	al	al	PROPN
ajis02-751	86	12	.	.	PROPN
ajis02-751	86	13	2001	2001	NUM
ajis02-751	86	14	)	)	PUNCT
ajis02-751	86	15	,	,	PUNCT
ajis02-751	86	16	although	although	SCONJ
ajis02-751	86	17	the	the	DET
ajis02-751	86	18	initial	initial	ADJ
ajis02-751	86	19	focus	focus	NOUN
ajis02-751	86	20	of	of	ADP
ajis02-751	86	21	attention	attention	NOUN
ajis02-751	86	22	was	be	AUX
ajis02-751	86	23	on	on	ADP
ajis02-751	86	24	the	the	DET
ajis02-751	86	25	activities	activity	NOUN
ajis02-751	86	26	undertaken	undertake	VERB
ajis02-751	86	27	in	in	ADP
ajis02-751	86	28	organisations	organisation	NOUN
ajis02-751	86	29	rather	rather	ADV
ajis02-751	86	30	than	than	ADP
ajis02-751	86	31	on	on	ADP
ajis02-751	86	32	the	the	DET
ajis02-751	86	33	behaviour	behaviour	NOUN
ajis02-751	86	34	of	of	ADP
ajis02-751	86	35	consumers	consumer	NOUN
ajis02-751	86	36	(	(	PUNCT
ajis02-751	86	37	black	black	NOUN
ajis02-751	86	38	et	et	PROPN
ajis02-751	86	39	al	al	PROPN
ajis02-751	86	40	.	.	PROPN
ajis02-751	86	41	2002	2002	NUM
ajis02-751	86	42	)	)	PUNCT
ajis02-751	86	43	.	.	PUNCT
ajis02-751	87	1	some	some	DET
ajis02-751	87	2	later	later	ADJ
ajis02-751	87	3	studies	study	NOUN
ajis02-751	87	4	started	start	VERB
ajis02-751	87	5	realising	realise	VERB
ajis02-751	87	6	the	the	DET
ajis02-751	87	7	importance	importance	NOUN
ajis02-751	87	8	of	of	ADP
ajis02-751	87	9	consumers	consumer	NOUN
ajis02-751	87	10	and	and	CCONJ
ajis02-751	87	11	their	their	PRON
ajis02-751	87	12	channel	channel	NOUN
ajis02-751	87	13	interactions	interaction	NOUN
ajis02-751	87	14	and	and	CCONJ
ajis02-751	87	15	emphasised	emphasise	VERB
ajis02-751	87	16	the	the	DET
ajis02-751	87	17	degree	degree	NOUN
ajis02-751	87	18	of	of	ADP
ajis02-751	87	19	congruence	congruence	NOUN
ajis02-751	87	20	between	between	ADP
ajis02-751	87	21	a	a	DET
ajis02-751	87	22	particular	particular	ADJ
ajis02-751	87	23	service	service	NOUN
ajis02-751	87	24	and	and	CCONJ
ajis02-751	87	25	a	a	DET
ajis02-751	87	26	channel	channel	NOUN
ajis02-751	87	27	(	(	PUNCT
ajis02-751	87	28	morrison	morrison	PROPN
ajis02-751	87	29	&	&	CCONJ
ajis02-751	87	30	roberts	roberts	PROPN
ajis02-751	87	31	1998	1998	NUM
ajis02-751	87	32	)	)	PUNCT
ajis02-751	87	33	.	.	PUNCT
ajis02-751	88	1	moreover	moreover	ADV
ajis02-751	88	2	,	,	PUNCT
ajis02-751	88	3	existing	exist	VERB
ajis02-751	88	4	research	research	NOUN
ajis02-751	88	5	also	also	ADV
ajis02-751	88	6	concentrated	concentrate	VERB
ajis02-751	88	7	on	on	ADP
ajis02-751	88	8	identifying	identify	VERB
ajis02-751	88	9	factors	factor	NOUN
ajis02-751	88	10	influencing	influence	VERB
ajis02-751	88	11	a	a	DET
ajis02-751	88	12	consumer	consumer	NOUN
ajis02-751	88	13	’s	’s	PART
ajis02-751	88	14	decision	decision	NOUN
ajis02-751	88	15	to	to	PART
ajis02-751	88	16	adopt	adopt	VERB
ajis02-751	88	17	a	a	DET
ajis02-751	88	18	particular	particular	ADJ
ajis02-751	88	19	channel	channel	NOUN
ajis02-751	88	20	as	as	ADV
ajis02-751	88	21	well	well	ADV
ajis02-751	88	22	as	as	ADP
ajis02-751	88	23	multiple	multiple	ADJ
ajis02-751	88	24	channels	channel	NOUN
ajis02-751	88	25	(	(	PUNCT
ajis02-751	88	26	bell	bell	NOUN
ajis02-751	88	27	&	&	CCONJ
ajis02-751	88	28	lyman	lyman	PROPN
ajis02-751	88	29	1999	1999	NUM
ajis02-751	88	30	)	)	PUNCT
ajis02-751	88	31	.	.	PUNCT
ajis02-751	89	1	the	the	DET
ajis02-751	89	2	approach	approach	NOUN
ajis02-751	89	3	of	of	ADP
ajis02-751	89	4	the	the	DET
ajis02-751	89	5	present	present	ADJ
ajis02-751	89	6	study	study	NOUN
ajis02-751	89	7	is	be	AUX
ajis02-751	89	8	different	different	ADJ
ajis02-751	89	9	in	in	ADP
ajis02-751	89	10	two	two	NUM
ajis02-751	89	11	ways	way	NOUN
ajis02-751	89	12	.	.	PUNCT
ajis02-751	90	1	firstly	firstly	ADV
ajis02-751	90	2	,	,	PUNCT
ajis02-751	90	3	it	it	PRON
ajis02-751	90	4	makes	make	VERB
ajis02-751	90	5	an	an	DET
ajis02-751	90	6	attempt	attempt	NOUN
ajis02-751	90	7	to	to	PART
ajis02-751	90	8	focus	focus	VERB
ajis02-751	90	9	on	on	ADP
ajis02-751	90	10	consumer	consumer	NOUN
ajis02-751	90	11	channel	channel	NOUN
ajis02-751	90	12	interactions	interaction	NOUN
ajis02-751	90	13	during	during	ADP
ajis02-751	90	14	their	their	PRON
ajis02-751	90	15	post	post	ADJ
ajis02-751	90	16	-	-	ADJ
ajis02-751	90	17	adoption	adoption	ADJ
ajis02-751	90	18	behaviour	behaviour	NOUN
ajis02-751	90	19	.	.	PUNCT
ajis02-751	91	1	secondly	secondly	ADV
ajis02-751	91	2	,	,	PUNCT
ajis02-751	91	3	channel	channel	NOUN
ajis02-751	91	4	-	-	PUNCT
ajis02-751	91	5	related	relate	VERB
ajis02-751	91	6	factors	factor	NOUN
ajis02-751	91	7	are	be	AUX
ajis02-751	91	8	identified	identify	VERB
ajis02-751	91	9	as	as	ADP
ajis02-751	91	10	consisting	consist	VERB
ajis02-751	91	11	of	of	ADP
ajis02-751	91	12	components	component	NOUN
ajis02-751	91	13	such	such	ADJ
ajis02-751	91	14	as	as	ADP
ajis02-751	91	15	consumers	consumer	NOUN
ajis02-751	91	16	’	’	PART
ajis02-751	91	17	perceptions	perception	NOUN
ajis02-751	91	18	of	of	ADP
ajis02-751	91	19	their	their	PRON
ajis02-751	91	20	self	self	NOUN
ajis02-751	91	21	-	-	PUNCT
ajis02-751	91	22	efficacy	efficacy	NOUN
ajis02-751	91	23	,	,	PUNCT
ajis02-751	91	24	risk	risk	NOUN
ajis02-751	91	25	,	,	PUNCT
ajis02-751	91	26	trust	trust	NOUN
ajis02-751	91	27	and	and	CCONJ
ajis02-751	91	28	personalisation	personalisation	NOUN
ajis02-751	91	29	.	.	PUNCT
ajis02-751	92	1	finally	finally	ADV
ajis02-751	92	2	,	,	PUNCT
ajis02-751	92	3	the	the	DET
ajis02-751	92	4	study	study	NOUN
ajis02-751	92	5	attempts	attempt	VERB
ajis02-751	92	6	to	to	PART
ajis02-751	92	7	examine	examine	VERB
ajis02-751	92	8	the	the	DET
ajis02-751	92	9	influence	influence	NOUN
ajis02-751	92	10	of	of	ADP
ajis02-751	92	11	these	these	DET
ajis02-751	92	12	channel	channel	NOUN
ajis02-751	92	13	factors	factor	NOUN
ajis02-751	92	14	on	on	ADP
ajis02-751	92	15	consumers	consumer	NOUN
ajis02-751	92	16	’	'	PUNCT
ajis02-751	92	17	continued	continue	VERB
ajis02-751	92	18	use	use	NOUN
ajis02-751	92	19	of	of	ADP
ajis02-751	92	20	internet	internet	NOUN
ajis02-751	92	21	banking	banking	NOUN
ajis02-751	92	22	.	.	PUNCT
ajis02-751	93	1	social	social	ADJ
ajis02-751	93	2	influence	influence	NOUN
ajis02-751	93	3	is	be	AUX
ajis02-751	93	4	identified	identify	VERB
ajis02-751	93	5	extensively	extensively	ADV
ajis02-751	93	6	in	in	ADP
ajis02-751	93	7	the	the	DET
ajis02-751	93	8	existing	exist	VERB
ajis02-751	93	9	literature	literature	NOUN
ajis02-751	93	10	as	as	ADP
ajis02-751	93	11	normative	normative	ADJ
ajis02-751	93	12	pressure	pressure	NOUN
ajis02-751	93	13	,	,	PUNCT
ajis02-751	93	14	while	while	SCONJ
ajis02-751	93	15	subjective	subjective	ADJ
ajis02-751	93	16	norm	norm	NOUN
ajis02-751	93	17	refers	refer	VERB
ajis02-751	93	18	to	to	ADP
ajis02-751	93	19	a	a	DET
ajis02-751	93	20	person	person	NOUN
ajis02-751	93	21	’s	’s	PART
ajis02-751	93	22	perception	perception	NOUN
ajis02-751	93	23	of	of	ADP
ajis02-751	93	24	the	the	DET
ajis02-751	93	25	social	social	ADJ
ajis02-751	93	26	pressures	pressure	NOUN
ajis02-751	93	27	put	put	VERB
ajis02-751	93	28	on	on	ADP
ajis02-751	93	29	him	he	PRON
ajis02-751	93	30	/	/	SYM
ajis02-751	93	31	her	she	PRON
ajis02-751	93	32	to	to	PART
ajis02-751	93	33	perform	perform	VERB
ajis02-751	93	34	or	or	CCONJ
ajis02-751	93	35	not	not	PART
ajis02-751	93	36	to	to	PART
ajis02-751	93	37	perform	perform	VERB
ajis02-751	93	38	the	the	DET
ajis02-751	93	39	behaviour	behaviour	NOUN
ajis02-751	93	40	in	in	ADP
ajis02-751	93	41	question	question	NOUN
ajis02-751	93	42	(	(	PUNCT
ajis02-751	93	43	ajzen	ajzen	NOUN
ajis02-751	93	44	&	&	CCONJ
ajis02-751	93	45	fishbein	fishbein	ADJ
ajis02-751	93	46	1980	1980	NUM
ajis02-751	93	47	)	)	PUNCT
ajis02-751	93	48	.	.	PUNCT
ajis02-751	94	1	thus	thus	ADV
ajis02-751	94	2	,	,	PUNCT
ajis02-751	94	3	social	social	ADJ
ajis02-751	94	4	influence	influence	NOUN
ajis02-751	94	5	has	have	AUX
ajis02-751	94	6	been	be	AUX
ajis02-751	94	7	treated	treat	VERB
ajis02-751	94	8	in	in	ADP
ajis02-751	94	9	the	the	DET
ajis02-751	94	10	existing	exist	VERB
ajis02-751	94	11	literature	literature	NOUN
ajis02-751	94	12	as	as	ADP
ajis02-751	94	13	analogous	analogous	ADJ
ajis02-751	94	14	to	to	ADP
ajis02-751	94	15	the	the	DET
ajis02-751	94	16	subjective	subjective	ADJ
ajis02-751	94	17	norm	norm	NOUN
ajis02-751	94	18	construct	construct	NOUN
ajis02-751	94	19	incorporated	incorporate	VERB
ajis02-751	94	20	in	in	ADP
ajis02-751	94	21	the	the	DET
ajis02-751	94	22	tra	tra	NOUN
ajis02-751	94	23	and	and	CCONJ
ajis02-751	94	24	the	the	DET
ajis02-751	94	25	tpb	tpb	NOUN
ajis02-751	94	26	(	(	PUNCT
ajis02-751	94	27	moore	moore	PROPN
ajis02-751	94	28	&	&	CCONJ
ajis02-751	94	29	benbasat	benbasat	VERB
ajis02-751	94	30	1991	1991	NUM
ajis02-751	94	31	)	)	PUNCT
ajis02-751	94	32	.	.	PUNCT
ajis02-751	95	1	the	the	DET
ajis02-751	95	2	role	role	NOUN
ajis02-751	95	3	of	of	ADP
ajis02-751	95	4	social	social	ADJ
ajis02-751	95	5	influence	influence	NOUN
ajis02-751	95	6	in	in	ADP
ajis02-751	95	7	an	an	DET
ajis02-751	95	8	individual	individual	NOUN
ajis02-751	95	9	’s	’s	PART
ajis02-751	95	10	decision	decision	NOUN
ajis02-751	95	11	whether	whether	SCONJ
ajis02-751	95	12	or	or	CCONJ
ajis02-751	95	13	not	not	PART
ajis02-751	95	14	to	to	PART
ajis02-751	95	15	use	use	VERB
ajis02-751	95	16	a	a	DET
ajis02-751	95	17	technology	technology	NOUN
ajis02-751	95	18	is	be	AUX
ajis02-751	95	19	complex	complex	ADJ
ajis02-751	95	20	and	and	CCONJ
ajis02-751	95	21	subject	subject	ADJ
ajis02-751	95	22	to	to	ADP
ajis02-751	95	23	a	a	DET
ajis02-751	95	24	wide	wide	ADJ
ajis02-751	95	25	range	range	NOUN
ajis02-751	95	26	of	of	ADP
ajis02-751	95	27	contingent	contingent	ADJ
ajis02-751	95	28	influences	influence	NOUN
ajis02-751	95	29	(	(	PUNCT
ajis02-751	95	30	venkatesh	venkatesh	NOUN
ajis02-751	95	31	et	et	PROPN
ajis02-751	95	32	al	al	PROPN
ajis02-751	95	33	.	.	PROPN
ajis02-751	95	34	2003	2003	NUM
ajis02-751	95	35	)	)	PUNCT
ajis02-751	95	36	.	.	PUNCT
ajis02-751	96	1	internet	internet	NOUN
ajis02-751	96	2	banking	banking	NOUN
ajis02-751	96	3	as	as	ADP
ajis02-751	96	4	a	a	DET
ajis02-751	96	5	service	service	NOUN
ajis02-751	96	6	innovation	innovation	NOUN
ajis02-751	96	7	creates	create	VERB
ajis02-751	96	8	uncertainty	uncertainty	NOUN
ajis02-751	96	9	and	and	CCONJ
ajis02-751	96	10	individuals	individual	NOUN
ajis02-751	96	11	who	who	PRON
ajis02-751	96	12	are	be	AUX
ajis02-751	96	13	uncomfortable	uncomfortable	ADJ
ajis02-751	96	14	with	with	ADP
ajis02-751	96	15	uncertainty	uncertainty	NOUN
ajis02-751	96	16	will	will	AUX
ajis02-751	96	17	tend	tend	VERB
ajis02-751	96	18	to	to	PART
ajis02-751	96	19	interact	interact	VERB
ajis02-751	96	20	with	with	ADP
ajis02-751	96	21	their	their	PRON
ajis02-751	96	22	social	social	ADJ
ajis02-751	96	23	network	network	NOUN
ajis02-751	96	24	before	before	ADP
ajis02-751	96	25	making	make	VERB
ajis02-751	96	26	a	a	DET
ajis02-751	96	27	decision	decision	NOUN
ajis02-751	96	28	(	(	PUNCT
ajis02-751	96	29	lu	lu	NOUN
ajis02-751	96	30	et	et	PROPN
ajis02-751	96	31	al	al	PROPN
ajis02-751	96	32	.	.	PROPN
ajis02-751	96	33	2005	2005	NUM
ajis02-751	96	34	)	)	PUNCT
ajis02-751	96	35	.	.	PUNCT
ajis02-751	97	1	mathieson	mathieson	PROPN
ajis02-751	97	2	(	(	PUNCT
ajis02-751	97	3	1991	1991	NUM
ajis02-751	97	4	)	)	PUNCT
ajis02-751	97	5	reported	report	VERB
ajis02-751	97	6	that	that	SCONJ
ajis02-751	97	7	social	social	ADJ
ajis02-751	97	8	variables	variable	NOUN
ajis02-751	97	9	could	could	AUX
ajis02-751	97	10	be	be	AUX
ajis02-751	97	11	important	important	ADJ
ajis02-751	97	12	in	in	ADP
ajis02-751	97	13	influencing	influence	VERB
ajis02-751	97	14	consumers	consumer	NOUN
ajis02-751	97	15	’	’	PART
ajis02-751	97	16	perceptions	perception	NOUN
ajis02-751	97	17	if	if	SCONJ
ajis02-751	97	18	they	they	PRON
ajis02-751	97	19	capture	capture	VERB
ajis02-751	97	20	variance	variance	NOUN
ajis02-751	97	21	that	that	PRON
ajis02-751	97	22	is	be	AUX
ajis02-751	97	23	not	not	PART
ajis02-751	97	24	already	already	ADV
ajis02-751	97	25	explained	explain	VERB
ajis02-751	97	26	by	by	ADP
ajis02-751	97	27	other	other	ADJ
ajis02-751	97	28	variables	variable	NOUN
ajis02-751	97	29	.	.	PUNCT
ajis02-751	98	1	taylor	taylor	PROPN
ajis02-751	98	2	&	&	CCONJ
ajis02-751	98	3	todd	todd	PROPN
ajis02-751	98	4	(	(	PUNCT
ajis02-751	98	5	1995	1995	NUM
ajis02-751	98	6	)	)	PUNCT
ajis02-751	98	7	decomposed	decompose	VERB
ajis02-751	98	8	the	the	DET
ajis02-751	98	9	sources	source	NOUN
ajis02-751	98	10	of	of	ADP
ajis02-751	98	11	social	social	ADJ
ajis02-751	98	12	influence	influence	NOUN
ajis02-751	98	13	into	into	ADP
ajis02-751	98	14	peers	peer	NOUN
ajis02-751	98	15	,	,	PUNCT
ajis02-751	98	16	superiors	superior	NOUN
ajis02-751	98	17	and	and	CCONJ
ajis02-751	98	18	subordinates	subordinate	NOUN
ajis02-751	98	19	.	.	PUNCT
ajis02-751	99	1	the	the	DET
ajis02-751	99	2	influence	influence	NOUN
ajis02-751	99	3	from	from	ADP
ajis02-751	99	4	peers	peer	NOUN
ajis02-751	99	5	and	and	CCONJ
ajis02-751	99	6	superiors	superior	NOUN
ajis02-751	99	7	significantly	significantly	ADV
ajis02-751	99	8	relate	relate	VERB
ajis02-751	99	9	to	to	ADP
ajis02-751	99	10	the	the	DET
ajis02-751	99	11	subjective	subjective	ADJ
ajis02-751	99	12	norm	norm	NOUN
ajis02-751	99	13	construct	construct	NOUN
ajis02-751	99	14	that	that	PRON
ajis02-751	99	15	leads	lead	VERB
ajis02-751	99	16	to	to	ADP
ajis02-751	99	17	consumers	consumer	NOUN
ajis02-751	99	18	’	'	PUNCT
ajis02-751	99	19	behavioural	behavioural	ADJ
ajis02-751	99	20	intention	intention	NOUN
ajis02-751	99	21	and	and	CCONJ
ajis02-751	99	22	usage	usage	NOUN
ajis02-751	99	23	of	of	ADP
ajis02-751	99	24	technology	technology	NOUN
ajis02-751	99	25	.	.	PUNCT
ajis02-751	100	1	the	the	DET
ajis02-751	100	2	role	role	NOUN
ajis02-751	100	3	of	of	ADP
ajis02-751	100	4	social	social	ADJ
ajis02-751	100	5	norms	norm	NOUN
ajis02-751	100	6	in	in	ADP
ajis02-751	100	7	information	information	NOUN
ajis02-751	100	8	technology	technology	NOUN
ajis02-751	100	9	usage	usage	NOUN
ajis02-751	100	10	literature	literature	NOUN
ajis02-751	100	11	to	to	ADP
ajis02-751	100	12	date	date	NOUN
ajis02-751	100	13	is	be	AUX
ajis02-751	100	14	somewhat	somewhat	ADV
ajis02-751	100	15	unclear	unclear	ADJ
ajis02-751	100	16	(	(	PUNCT
ajis02-751	100	17	yousafzai	yousafzai	PROPN
ajis02-751	100	18	et	et	PROPN
ajis02-751	100	19	al	al	PROPN
ajis02-751	100	20	.	.	PROPN
ajis02-751	100	21	2003	2003	NUM
ajis02-751	100	22	)	)	PUNCT
ajis02-751	100	23	.	.	PUNCT
ajis02-751	101	1	the	the	DET
ajis02-751	101	2	study	study	NOUN
ajis02-751	101	3	of	of	ADP
ajis02-751	101	4	the	the	DET
ajis02-751	101	5	influence	influence	NOUN
ajis02-751	101	6	exerted	exert	VERB
ajis02-751	101	7	by	by	ADP
ajis02-751	101	8	the	the	DET
ajis02-751	101	9	social	social	ADJ
ajis02-751	101	10	factors	factor	NOUN
ajis02-751	101	11	construct	construct	VERB
ajis02-751	101	12	on	on	ADP
ajis02-751	101	13	consumers	consumer	NOUN
ajis02-751	101	14	’	’	PART
ajis02-751	101	15	adoption	adoption	NOUN
ajis02-751	101	16	of	of	ADP
ajis02-751	101	17	internet	internet	NOUN
ajis02-751	101	18	banking	banking	NOUN
ajis02-751	101	19	and	and	CCONJ
ajis02-751	101	20	internet	internet	NOUN
ajis02-751	101	21	-	-	PUNCT
ajis02-751	101	22	based	base	VERB
ajis02-751	101	23	technologies	technology	NOUN
ajis02-751	101	24	produced	produce	VERB
ajis02-751	101	25	mixed	mixed	ADJ
ajis02-751	101	26	and	and	CCONJ
ajis02-751	101	27	inconclusive	inconclusive	ADJ
ajis02-751	101	28	results	result	NOUN
ajis02-751	101	29	(	(	PUNCT
ajis02-751	101	30	ma	ma	PROPN
ajis02-751	101	31	&	&	CCONJ
ajis02-751	101	32	liu	liu	PROPN
ajis02-751	101	33	2004	2004	NUM
ajis02-751	101	34	)	)	PUNCT
ajis02-751	101	35	.	.	PUNCT
ajis02-751	102	1	the	the	DET
ajis02-751	102	2	creation	creation	NOUN
ajis02-751	102	3	of	of	ADP
ajis02-751	102	4	value	value	NOUN
ajis02-751	102	5	is	be	AUX
ajis02-751	102	6	key	key	ADJ
ajis02-751	102	7	in	in	ADP
ajis02-751	102	8	marketing	marketing	NOUN
ajis02-751	102	9	(	(	PUNCT
ajis02-751	102	10	lindgreen	lindgreen	PROPN
ajis02-751	102	11	&	&	CCONJ
ajis02-751	102	12	wynstra	wynstra	PROPN
ajis02-751	102	13	2005	2005	NUM
ajis02-751	102	14	)	)	PUNCT
ajis02-751	102	15	.	.	PUNCT
ajis02-751	103	1	the	the	DET
ajis02-751	103	2	role	role	NOUN
ajis02-751	103	3	of	of	ADP
ajis02-751	103	4	marketing	marketing	NOUN
ajis02-751	103	5	is	be	AUX
ajis02-751	103	6	‘	'	PUNCT
ajis02-751	103	7	to	to	PART
ajis02-751	103	8	assist	assist	VERB
ajis02-751	103	9	the	the	DET
ajis02-751	103	10	firm	firm	NOUN
ajis02-751	103	11	to	to	PART
ajis02-751	103	12	create	create	VERB
ajis02-751	103	13	value	value	NOUN
ajis02-751	103	14	for	for	ADP
ajis02-751	103	15	its	its	PRON
ajis02-751	103	16	customers	customer	NOUN
ajis02-751	103	17	that	that	PRON
ajis02-751	103	18	is	be	AUX
ajis02-751	103	19	superior	superior	ADJ
ajis02-751	103	20	to	to	ADP
ajis02-751	103	21	competition	competition	NOUN
ajis02-751	103	22	’	'	PUNCT
ajis02-751	103	23	(	(	PUNCT
ajis02-751	103	24	tzokas	tzokas	PROPN
ajis02-751	103	25	&	&	CCONJ
ajis02-751	103	26	saren	saren	PROPN
ajis02-751	103	27	1999	1999	NUM
ajis02-751	103	28	,	,	PUNCT
ajis02-751	103	29	p.53	p.53	NOUN
ajis02-751	103	30	)	)	PUNCT
ajis02-751	103	31	.	.	PUNCT
ajis02-751	104	1	it	it	PRON
ajis02-751	104	2	is	be	AUX
ajis02-751	104	3	essential	essential	ADJ
ajis02-751	104	4	to	to	PART
ajis02-751	104	5	know	know	VERB
ajis02-751	104	6	what	what	PRON
ajis02-751	104	7	consumers	consumer	NOUN
ajis02-751	104	8	actually	actually	ADV
ajis02-751	104	9	value	value	VERB
ajis02-751	104	10	before	before	SCONJ
ajis02-751	104	11	one	one	PRON
ajis02-751	104	12	can	can	AUX
ajis02-751	104	13	truly	truly	ADV
ajis02-751	104	14	understand	understand	VERB
ajis02-751	104	15	the	the	DET
ajis02-751	104	16	australasian	australasian	ADJ
ajis02-751	104	17	journal	journal	NOUN
ajis02-751	104	18	of	of	ADP
ajis02-751	104	19	information	information	NOUN
ajis02-751	104	20	systems	system	NOUN
ajis02-751	104	21	volume	volume	NOUN
ajis02-751	104	22	18	18	NUM
ajis02-751	104	23	number1	number1	NOUN
ajis02-751	104	24	2013	2013	NUM
ajis02-751	104	25	10	10	NUM
ajis02-751	104	26	choice	choice	NOUN
ajis02-751	104	27	of	of	ADP
ajis02-751	104	28	a	a	DET
ajis02-751	104	29	particular	particular	ADJ
ajis02-751	104	30	service	service	NOUN
ajis02-751	104	31	delivery	delivery	NOUN
ajis02-751	104	32	channel	channel	NOUN
ajis02-751	104	33	,	,	PUNCT
ajis02-751	104	34	and	and	CCONJ
ajis02-751	104	35	its	its	PRON
ajis02-751	104	36	continued	continue	VERB
ajis02-751	104	37	usage	usage	NOUN
ajis02-751	104	38	.	.	PUNCT
ajis02-751	105	1	it	it	PRON
ajis02-751	105	2	is	be	AUX
ajis02-751	105	3	also	also	ADV
ajis02-751	105	4	of	of	ADP
ajis02-751	105	5	equal	equal	ADJ
ajis02-751	105	6	interest	interest	NOUN
ajis02-751	105	7	in	in	ADP
ajis02-751	105	8	identifying	identify	VERB
ajis02-751	105	9	the	the	DET
ajis02-751	105	10	attributes	attribute	NOUN
ajis02-751	105	11	that	that	PRON
ajis02-751	105	12	are	be	AUX
ajis02-751	105	13	most	most	ADV
ajis02-751	105	14	important	important	ADJ
ajis02-751	105	15	in	in	ADP
ajis02-751	105	16	consumers	consumer	NOUN
ajis02-751	105	17	’	'	PUNCT
ajis02-751	105	18	judgments	judgment	NOUN
ajis02-751	105	19	of	of	ADP
ajis02-751	105	20	value	value	NOUN
ajis02-751	105	21	.	.	PUNCT
ajis02-751	106	1	the	the	DET
ajis02-751	106	2	present	present	ADJ
ajis02-751	106	3	study	study	NOUN
ajis02-751	106	4	focuses	focus	VERB
ajis02-751	106	5	on	on	ADP
ajis02-751	106	6	the	the	DET
ajis02-751	106	7	value	value	NOUN
ajis02-751	106	8	that	that	PRON
ajis02-751	106	9	is	be	AUX
ajis02-751	106	10	derived	derive	VERB
ajis02-751	106	11	from	from	ADP
ajis02-751	106	12	the	the	DET
ajis02-751	106	13	disposition	disposition	NOUN
ajis02-751	106	14	of	of	ADP
ajis02-751	106	15	products	product	NOUN
ajis02-751	106	16	and	and	CCONJ
ajis02-751	106	17	services	service	NOUN
ajis02-751	106	18	and	and	CCONJ
ajis02-751	106	19	extends	extend	VERB
ajis02-751	106	20	it	it	PRON
ajis02-751	106	21	to	to	ADP
ajis02-751	106	22	the	the	DET
ajis02-751	106	23	service	service	NOUN
ajis02-751	106	24	delivery	delivery	NOUN
ajis02-751	106	25	channels	channel	NOUN
ajis02-751	106	26	choice	choice	VERB
ajis02-751	106	27	generally	generally	ADV
ajis02-751	106	28	,	,	PUNCT
ajis02-751	106	29	and	and	CCONJ
ajis02-751	106	30	specifically	specifically	ADV
ajis02-751	106	31	to	to	ADP
ajis02-751	106	32	the	the	DET
ajis02-751	106	33	internet	internet	NOUN
ajis02-751	106	34	banking	banking	NOUN
ajis02-751	106	35	context	context	NOUN
ajis02-751	106	36	.	.	PUNCT
ajis02-751	107	1	the	the	DET
ajis02-751	107	2	diversity	diversity	NOUN
ajis02-751	107	3	associated	associate	VERB
ajis02-751	107	4	with	with	ADP
ajis02-751	107	5	the	the	DET
ajis02-751	107	6	meanings	meaning	NOUN
ajis02-751	107	7	of	of	ADP
ajis02-751	107	8	the	the	DET
ajis02-751	107	9	value	value	NOUN
ajis02-751	107	10	concept	concept	NOUN
ajis02-751	107	11	indicated	indicate	VERB
ajis02-751	107	12	the	the	DET
ajis02-751	107	13	difficulty	difficulty	NOUN
ajis02-751	107	14	of	of	ADP
ajis02-751	107	15	conceptualisation	conceptualisation	NOUN
ajis02-751	107	16	of	of	ADP
ajis02-751	107	17	the	the	DET
ajis02-751	107	18	value	value	NOUN
ajis02-751	107	19	construct	construct	NOUN
ajis02-751	107	20	.	.	PUNCT
ajis02-751	108	1	in	in	ADP
ajis02-751	108	2	this	this	DET
ajis02-751	108	3	study	study	NOUN
ajis02-751	108	4	,	,	PUNCT
ajis02-751	108	5	value	value	NOUN
ajis02-751	108	6	factors	factor	NOUN
ajis02-751	108	7	relate	relate	VERB
ajis02-751	108	8	to	to	ADP
ajis02-751	108	9	consumers	consumer	NOUN
ajis02-751	108	10	’	’	PART
ajis02-751	108	11	perceptions	perception	NOUN
ajis02-751	108	12	and	and	CCONJ
ajis02-751	108	13	expectations	expectation	NOUN
ajis02-751	108	14	of	of	ADP
ajis02-751	108	15	value	value	NOUN
ajis02-751	108	16	.	.	PUNCT
ajis02-751	109	1	the	the	DET
ajis02-751	109	2	concept	concept	NOUN
ajis02-751	109	3	of	of	ADP
ajis02-751	109	4	perceived	perceive	VERB
ajis02-751	109	5	value	value	NOUN
ajis02-751	109	6	stems	stem	VERB
ajis02-751	109	7	from	from	ADP
ajis02-751	109	8	equity	equity	NOUN
ajis02-751	109	9	theory	theory	NOUN
ajis02-751	109	10	.	.	PUNCT
ajis02-751	110	1	perceived	perceive	VERB
ajis02-751	110	2	value	value	NOUN
ajis02-751	110	3	is	be	AUX
ajis02-751	110	4	identified	identify	VERB
ajis02-751	110	5	as	as	ADP
ajis02-751	110	6	the	the	DET
ajis02-751	110	7	ratio	ratio	NOUN
ajis02-751	110	8	of	of	ADP
ajis02-751	110	9	the	the	DET
ajis02-751	110	10	consumers	consumer	NOUN
ajis02-751	110	11	’	’	PART
ajis02-751	110	12	outcome	outcome	NOUN
ajis02-751	110	13	/	/	SYM
ajis02-751	110	14	input	input	NOUN
ajis02-751	110	15	to	to	ADP
ajis02-751	110	16	that	that	PRON
ajis02-751	110	17	of	of	ADP
ajis02-751	110	18	the	the	DET
ajis02-751	110	19	service	service	NOUN
ajis02-751	110	20	providers	provider	NOUN
ajis02-751	110	21	’	'	PUNCT
ajis02-751	110	22	outcome	outcome	NOUN
ajis02-751	110	23	/	/	SYM
ajis02-751	110	24	input	input	NOUN
ajis02-751	110	25	(	(	PUNCT
ajis02-751	110	26	oliver	oliver	PROPN
ajis02-751	110	27	&	&	CCONJ
ajis02-751	110	28	desarbo	desarbo	PROPN
ajis02-751	110	29	1988	1988	NUM
ajis02-751	110	30	)	)	PUNCT
ajis02-751	110	31	.	.	PUNCT
ajis02-751	111	1	in	in	ADP
ajis02-751	111	2	other	other	ADJ
ajis02-751	111	3	words	word	NOUN
ajis02-751	111	4	,	,	PUNCT
ajis02-751	111	5	the	the	DET
ajis02-751	111	6	equity	equity	NOUN
ajis02-751	111	7	concept	concept	NOUN
ajis02-751	111	8	refers	refer	VERB
ajis02-751	111	9	to	to	ADP
ajis02-751	111	10	customer	customer	NOUN
ajis02-751	111	11	’s	’s	PART
ajis02-751	111	12	evaluation	evaluation	NOUN
ajis02-751	111	13	of	of	ADP
ajis02-751	111	14	what	what	PRON
ajis02-751	111	15	is	be	AUX
ajis02-751	111	16	fair	fair	ADJ
ajis02-751	111	17	,	,	PUNCT
ajis02-751	111	18	right	right	ADJ
ajis02-751	111	19	or	or	CCONJ
ajis02-751	111	20	deserved	deserve	VERB
ajis02-751	111	21	for	for	ADP
ajis02-751	111	22	the	the	DET
ajis02-751	111	23	perceived	perceive	VERB
ajis02-751	111	24	cost	cost	NOUN
ajis02-751	111	25	of	of	ADP
ajis02-751	111	26	the	the	DET
ajis02-751	111	27	offering	offering	NOUN
ajis02-751	111	28	(	(	PUNCT
ajis02-751	111	29	bolton	bolton	PROPN
ajis02-751	111	30	&	&	CCONJ
ajis02-751	111	31	lemon	lemon	PROPN
ajis02-751	111	32	1999	1999	NUM
ajis02-751	111	33	)	)	PUNCT
ajis02-751	111	34	.	.	PUNCT
ajis02-751	112	1	the	the	DET
ajis02-751	112	2	choice	choice	NOUN
ajis02-751	112	3	of	of	ADP
ajis02-751	112	4	a	a	DET
ajis02-751	112	5	particular	particular	ADJ
ajis02-751	112	6	banking	banking	NOUN
ajis02-751	112	7	service	service	NOUN
ajis02-751	112	8	delivery	delivery	NOUN
ajis02-751	112	9	channel	channel	NOUN
ajis02-751	112	10	,	,	PUNCT
ajis02-751	112	11	its	its	PRON
ajis02-751	112	12	subsequent	subsequent	ADJ
ajis02-751	112	13	acceptance	acceptance	NOUN
ajis02-751	112	14	,	,	PUNCT
ajis02-751	112	15	and	and	CCONJ
ajis02-751	112	16	continued	continue	VERB
ajis02-751	112	17	usage	usage	NOUN
ajis02-751	112	18	depends	depend	VERB
ajis02-751	112	19	on	on	ADP
ajis02-751	112	20	consumers	consumer	NOUN
ajis02-751	112	21	’	’	PART
ajis02-751	112	22	expectations	expectation	NOUN
ajis02-751	112	23	of	of	ADP
ajis02-751	112	24	the	the	DET
ajis02-751	112	25	value	value	NOUN
ajis02-751	112	26	offered	offer	VERB
ajis02-751	112	27	.	.	PUNCT
ajis02-751	113	1	it	it	PRON
ajis02-751	113	2	is	be	AUX
ajis02-751	113	3	important	important	ADJ
ajis02-751	113	4	to	to	PART
ajis02-751	113	5	understand	understand	VERB
ajis02-751	113	6	what	what	PRON
ajis02-751	113	7	consumers	consumer	NOUN
ajis02-751	113	8	’	'	PUNCT
ajis02-751	113	9	value	value	NOUN
ajis02-751	113	10	for	for	ADP
ajis02-751	113	11	and	and	CCONJ
ajis02-751	113	12	what	what	PRON
ajis02-751	113	13	the	the	DET
ajis02-751	113	14	important	important	ADJ
ajis02-751	113	15	dimensions	dimension	NOUN
ajis02-751	113	16	are	be	AUX
ajis02-751	113	17	,	,	PUNCT
ajis02-751	113	18	that	that	PRON
ajis02-751	113	19	play	play	VERB
ajis02-751	113	20	a	a	DET
ajis02-751	113	21	critical	critical	ADJ
ajis02-751	113	22	role	role	NOUN
ajis02-751	113	23	in	in	ADP
ajis02-751	113	24	their	their	PRON
ajis02-751	113	25	judgments	judgment	NOUN
ajis02-751	113	26	of	of	ADP
ajis02-751	113	27	value	value	NOUN
ajis02-751	113	28	offering	offering	NOUN
ajis02-751	113	29	.	.	PUNCT
ajis02-751	114	1	perceived	perceive	VERB
ajis02-751	114	2	value	value	NOUN
ajis02-751	114	3	represents	represent	VERB
ajis02-751	114	4	a	a	DET
ajis02-751	114	5	consumers	consumer	NOUN
ajis02-751	114	6	’	'	PUNCT
ajis02-751	114	7	overall	overall	ADJ
ajis02-751	114	8	assessment	assessment	NOUN
ajis02-751	114	9	of	of	ADP
ajis02-751	114	10	the	the	DET
ajis02-751	114	11	utility	utility	NOUN
ajis02-751	114	12	based	base	VERB
ajis02-751	114	13	on	on	ADP
ajis02-751	114	14	perceptions	perception	NOUN
ajis02-751	114	15	of	of	ADP
ajis02-751	114	16	what	what	PRON
ajis02-751	114	17	is	be	AUX
ajis02-751	114	18	received	receive	VERB
ajis02-751	114	19	and	and	CCONJ
ajis02-751	114	20	what	what	PRON
ajis02-751	114	21	is	be	AUX
ajis02-751	114	22	given	give	VERB
ajis02-751	114	23	(	(	PUNCT
ajis02-751	114	24	zeithaml	zeithaml	NOUN
ajis02-751	114	25	1988	1988	NUM
ajis02-751	114	26	)	)	PUNCT
ajis02-751	114	27	.	.	PUNCT
ajis02-751	115	1	also	also	ADV
ajis02-751	115	2	,	,	PUNCT
ajis02-751	115	3	perceived	perceive	VERB
ajis02-751	115	4	value	value	NOUN
ajis02-751	115	5	is	be	AUX
ajis02-751	115	6	identified	identify	VERB
ajis02-751	115	7	in	in	ADP
ajis02-751	115	8	the	the	DET
ajis02-751	115	9	literature	literature	NOUN
ajis02-751	115	10	as	as	ADP
ajis02-751	115	11	a	a	DET
ajis02-751	115	12	trade	trade	NOUN
ajis02-751	115	13	-	-	PUNCT
ajis02-751	115	14	off	off	NOUN
ajis02-751	115	15	between	between	ADP
ajis02-751	115	16	the	the	DET
ajis02-751	115	17	perceived	perceive	VERB
ajis02-751	115	18	benefits	benefit	NOUN
ajis02-751	115	19	and	and	CCONJ
ajis02-751	115	20	perceived	perceive	VERB
ajis02-751	115	21	costs	cost	NOUN
ajis02-751	115	22	derived	derive	VERB
ajis02-751	115	23	by	by	ADP
ajis02-751	115	24	the	the	DET
ajis02-751	115	25	consumers	consumer	NOUN
ajis02-751	115	26	from	from	ADP
ajis02-751	115	27	using	use	VERB
ajis02-751	115	28	a	a	DET
ajis02-751	115	29	particular	particular	ADJ
ajis02-751	115	30	channel	channel	NOUN
ajis02-751	115	31	.	.	PUNCT
ajis02-751	116	1	monetary	monetary	ADJ
ajis02-751	116	2	payments	payment	NOUN
ajis02-751	116	3	and	and	CCONJ
ajis02-751	116	4	non	non	ADJ
ajis02-751	116	5	-	-	ADJ
ajis02-751	116	6	monetary	monetary	ADJ
ajis02-751	116	7	sacrifices	sacrifice	NOUN
ajis02-751	116	8	,	,	PUNCT
ajis02-751	116	9	such	such	ADJ
ajis02-751	116	10	as	as	ADP
ajis02-751	116	11	time	time	NOUN
ajis02-751	116	12	consumption	consumption	NOUN
ajis02-751	116	13	and	and	CCONJ
ajis02-751	116	14	stress	stress	NOUN
ajis02-751	116	15	experienced	experience	VERB
ajis02-751	116	16	by	by	ADP
ajis02-751	116	17	consumers	consumer	NOUN
ajis02-751	116	18	,	,	PUNCT
ajis02-751	116	19	together	together	ADV
ajis02-751	116	20	include	include	VERB
ajis02-751	116	21	perceived	perceive	VERB
ajis02-751	116	22	costs	cost	NOUN
ajis02-751	116	23	(	(	PUNCT
ajis02-751	116	24	yang	yang	PROPN
ajis02-751	116	25	&	&	CCONJ
ajis02-751	116	26	peterson	peterson	PROPN
ajis02-751	116	27	2004	2004	NUM
ajis02-751	116	28	)	)	PUNCT
ajis02-751	116	29	,	,	PUNCT
ajis02-751	116	30	whereas	whereas	SCONJ
ajis02-751	116	31	,	,	PUNCT
ajis02-751	116	32	customer	customer	NOUN
ajis02-751	116	33	perceived	perceive	VERB
ajis02-751	116	34	value	value	NOUN
ajis02-751	116	35	emerges	emerge	VERB
ajis02-751	116	36	from	from	ADP
ajis02-751	116	37	an	an	DET
ajis02-751	116	38	evaluation	evaluation	NOUN
ajis02-751	116	39	of	of	ADP
ajis02-751	116	40	the	the	DET
ajis02-751	116	41	relative	relative	ADJ
ajis02-751	116	42	rewards	reward	NOUN
ajis02-751	116	43	and	and	CCONJ
ajis02-751	116	44	sacrifices	sacrifice	NOUN
ajis02-751	116	45	associated	associate	VERB
ajis02-751	116	46	with	with	ADP
ajis02-751	116	47	the	the	DET
ajis02-751	116	48	offering	offering	NOUN
ajis02-751	116	49	.	.	PUNCT
ajis02-751	117	1	the	the	DET
ajis02-751	117	2	conceptual	conceptual	ADJ
ajis02-751	117	3	framework	framework	NOUN
ajis02-751	117	4	shown	show	VERB
ajis02-751	117	5	in	in	ADP
ajis02-751	117	6	figure	figure	NOUN
ajis02-751	117	7	i	i	PRON
ajis02-751	117	8	has	have	VERB
ajis02-751	117	9	a	a	DET
ajis02-751	117	10	predictive	predictive	ADJ
ajis02-751	117	11	intent	intent	NOUN
ajis02-751	117	12	.	.	PUNCT
ajis02-751	118	1	the	the	DET
ajis02-751	118	2	demographic	demographic	ADJ
ajis02-751	118	3	characteristics	characteristic	NOUN
ajis02-751	118	4	include	include	VERB
ajis02-751	118	5	gender	gender	NOUN
ajis02-751	118	6	,	,	PUNCT
ajis02-751	118	7	age	age	NOUN
ajis02-751	118	8	,	,	PUNCT
ajis02-751	118	9	level	level	NOUN
ajis02-751	118	10	of	of	ADP
ajis02-751	118	11	education	education	NOUN
ajis02-751	118	12	,	,	PUNCT
ajis02-751	118	13	level	level	NOUN
ajis02-751	118	14	of	of	ADP
ajis02-751	118	15	income	income	NOUN
ajis02-751	118	16	,	,	PUNCT
ajis02-751	118	17	ethnicity	ethnicity	NOUN
ajis02-751	118	18	and	and	CCONJ
ajis02-751	118	19	occupation	occupation	NOUN
ajis02-751	118	20	.	.	PUNCT
ajis02-751	119	1	the	the	DET
ajis02-751	119	2	specific	specific	ADJ
ajis02-751	119	3	order	order	NOUN
ajis02-751	119	4	of	of	ADP
ajis02-751	119	5	entry	entry	NOUN
ajis02-751	119	6	of	of	ADP
ajis02-751	119	7	the	the	DET
ajis02-751	119	8	predictor	predictor	NOUN
ajis02-751	119	9	variables	variable	NOUN
ajis02-751	119	10	was	be	AUX
ajis02-751	119	11	based	base	VERB
ajis02-751	119	12	on	on	ADP
ajis02-751	119	13	the	the	DET
ajis02-751	119	14	theoretical	theoretical	ADJ
ajis02-751	119	15	and	and	CCONJ
ajis02-751	119	16	logical	logical	ADJ
ajis02-751	119	17	considerations	consideration	NOUN
ajis02-751	119	18	.	.	PUNCT
ajis02-751	120	1	demographic	demographic	ADJ
ajis02-751	120	2	characteristics	characteristic	NOUN
ajis02-751	120	3	are	be	AUX
ajis02-751	120	4	not	not	PART
ajis02-751	120	5	of	of	ADP
ajis02-751	120	6	research	research	NOUN
ajis02-751	120	7	interest	interest	NOUN
ajis02-751	120	8	as	as	SCONJ
ajis02-751	120	9	their	their	PRON
ajis02-751	120	10	influence	influence	NOUN
ajis02-751	120	11	has	have	AUX
ajis02-751	120	12	been	be	AUX
ajis02-751	120	13	widely	widely	ADV
ajis02-751	120	14	acknowledged	acknowledge	VERB
ajis02-751	120	15	in	in	ADP
ajis02-751	120	16	the	the	DET
ajis02-751	120	17	existing	exist	VERB
ajis02-751	120	18	research	research	NOUN
ajis02-751	120	19	.	.	PUNCT
ajis02-751	121	1	therefore	therefore	ADV
ajis02-751	121	2	,	,	PUNCT
ajis02-751	121	3	demographic	demographic	ADJ
ajis02-751	121	4	characteristics	characteristic	NOUN
ajis02-751	121	5	will	will	AUX
ajis02-751	121	6	be	be	AUX
ajis02-751	121	7	statistically	statistically	ADV
ajis02-751	121	8	controlled	control	VERB
ajis02-751	121	9	for	for	ADP
ajis02-751	121	10	in	in	ADP
ajis02-751	121	11	order	order	NOUN
ajis02-751	121	12	to	to	PART
ajis02-751	121	13	avoid	avoid	VERB
ajis02-751	121	14	any	any	DET
ajis02-751	121	15	confounding	confound	VERB
ajis02-751	121	16	effects	effect	NOUN
ajis02-751	121	17	they	they	PRON
ajis02-751	121	18	might	might	AUX
ajis02-751	121	19	exert	exert	VERB
ajis02-751	121	20	on	on	ADP
ajis02-751	121	21	the	the	DET
ajis02-751	121	22	predictor	predictor	NOUN
ajis02-751	121	23	variables	variable	NOUN
ajis02-751	121	24	.	.	PUNCT
ajis02-751	122	1	this	this	PRON
ajis02-751	122	2	will	will	AUX
ajis02-751	122	3	be	be	AUX
ajis02-751	122	4	accomplished	accomplish	VERB
ajis02-751	122	5	by	by	ADP
ajis02-751	122	6	entering	enter	VERB
ajis02-751	122	7	the	the	DET
ajis02-751	122	8	demographic	demographic	ADJ
ajis02-751	122	9	set	set	NOUN
ajis02-751	122	10	of	of	ADP
ajis02-751	122	11	variables	variable	NOUN
ajis02-751	122	12	first	first	ADV
ajis02-751	122	13	in	in	ADP
ajis02-751	122	14	the	the	DET
ajis02-751	122	15	hierarchical	hierarchical	ADJ
ajis02-751	122	16	predictive	predictive	ADJ
ajis02-751	122	17	model	model	NOUN
ajis02-751	122	18	.	.	PUNCT
ajis02-751	123	1	technology	technology	NOUN
ajis02-751	123	2	factors	factor	NOUN
ajis02-751	123	3	related	relate	VERB
ajis02-751	123	4	to	to	ADP
ajis02-751	123	5	the	the	DET
ajis02-751	123	6	context	context	NOUN
ajis02-751	123	7	of	of	ADP
ajis02-751	123	8	internet	internet	NOUN
ajis02-751	123	9	banking	banking	NOUN
ajis02-751	123	10	will	will	AUX
ajis02-751	123	11	be	be	AUX
ajis02-751	123	12	entered	enter	VERB
ajis02-751	123	13	into	into	ADP
ajis02-751	123	14	the	the	DET
ajis02-751	123	15	model	model	NOUN
ajis02-751	123	16	at	at	ADP
ajis02-751	123	17	the	the	DET
ajis02-751	123	18	second	second	ADJ
ajis02-751	123	19	step	step	NOUN
ajis02-751	123	20	and	and	CCONJ
ajis02-751	123	21	are	be	AUX
ajis02-751	123	22	expected	expect	VERB
ajis02-751	123	23	to	to	PART
ajis02-751	123	24	significantly	significantly	ADV
ajis02-751	123	25	predict	predict	VERB
ajis02-751	123	26	consumers	consumer	NOUN
ajis02-751	123	27	’	'	PUNCT
ajis02-751	123	28	continued	continue	VERB
ajis02-751	123	29	usage	usage	NOUN
ajis02-751	123	30	of	of	ADP
ajis02-751	123	31	internet	internet	NOUN
ajis02-751	123	32	banking	banking	NOUN
ajis02-751	123	33	over	over	ADP
ajis02-751	123	34	and	and	CCONJ
ajis02-751	123	35	above	above	ADP
ajis02-751	123	36	the	the	DET
ajis02-751	123	37	variability	variability	NOUN
ajis02-751	123	38	explained	explain	VERB
ajis02-751	123	39	by	by	ADP
ajis02-751	123	40	the	the	DET
ajis02-751	123	41	demographic	demographic	ADJ
ajis02-751	123	42	set	set	NOUN
ajis02-751	123	43	.	.	PUNCT
ajis02-751	124	1	technology	technology	NOUN
ajis02-751	124	2	-	-	PUNCT
ajis02-751	124	3	related	relate	VERB
ajis02-751	124	4	factors	factor	NOUN
ajis02-751	124	5	were	be	AUX
ajis02-751	124	6	considered	consider	VERB
ajis02-751	124	7	to	to	PART
ajis02-751	124	8	be	be	AUX
ajis02-751	124	9	important	important	ADJ
ajis02-751	124	10	,	,	PUNCT
ajis02-751	124	11	as	as	ADP
ajis02-751	124	12	consumers	consumer	NOUN
ajis02-751	124	13	,	,	PUNCT
ajis02-751	124	14	during	during	ADP
ajis02-751	124	15	their	their	PRON
ajis02-751	124	16	post	post	NOUN
ajis02-751	124	17	-	-	NOUN
ajis02-751	124	18	adoption	adoption	NOUN
ajis02-751	124	19	,	,	PUNCT
ajis02-751	124	20	tend	tend	VERB
ajis02-751	124	21	to	to	PART
ajis02-751	124	22	be	be	AUX
ajis02-751	124	23	more	more	ADV
ajis02-751	124	24	confident	confident	ADJ
ajis02-751	124	25	with	with	ADP
ajis02-751	124	26	the	the	DET
ajis02-751	124	27	use	use	NOUN
ajis02-751	124	28	of	of	ADP
ajis02-751	124	29	the	the	DET
ajis02-751	124	30	technology	technology	NOUN
ajis02-751	124	31	-	-	PUNCT
ajis02-751	124	32	enabled	enable	VERB
ajis02-751	124	33	internet	internet	NOUN
ajis02-751	124	34	banking	banking	NOUN
ajis02-751	124	35	service	service	NOUN
ajis02-751	124	36	delivery	delivery	NOUN
ajis02-751	124	37	channel	channel	NOUN
ajis02-751	124	38	.	.	PUNCT
ajis02-751	125	1	in	in	ADP
ajis02-751	125	2	the	the	DET
ajis02-751	125	3	third	third	ADJ
ajis02-751	125	4	step	step	NOUN
ajis02-751	125	5	,	,	PUNCT
ajis02-751	125	6	channel	channel	NOUN
ajis02-751	125	7	factors	factor	NOUN
ajis02-751	125	8	will	will	AUX
ajis02-751	125	9	be	be	AUX
ajis02-751	125	10	entered	enter	VERB
ajis02-751	125	11	to	to	PART
ajis02-751	125	12	significantly	significantly	ADV
ajis02-751	125	13	predict	predict	VERB
ajis02-751	125	14	consumers	consumer	NOUN
ajis02-751	125	15	’	'	PUNCT
ajis02-751	125	16	continued	continue	VERB
ajis02-751	125	17	usage	usage	NOUN
ajis02-751	125	18	of	of	ADP
ajis02-751	125	19	internet	internet	NOUN
ajis02-751	125	20	banking	banking	NOUN
ajis02-751	125	21	over	over	ADP
ajis02-751	125	22	and	and	CCONJ
ajis02-751	125	23	above	above	ADP
ajis02-751	125	24	the	the	DET
ajis02-751	125	25	influence	influence	NOUN
ajis02-751	125	26	exerted	exert	VERB
ajis02-751	125	27	by	by	ADP
ajis02-751	125	28	the	the	DET
ajis02-751	125	29	demographic	demographic	ADJ
ajis02-751	125	30	characteristics	characteristic	NOUN
ajis02-751	125	31	set	set	VERB
ajis02-751	125	32	and	and	CCONJ
ajis02-751	125	33	technology	technology	NOUN
ajis02-751	125	34	factors	factor	NOUN
ajis02-751	125	35	.	.	PUNCT
ajis02-751	126	1	the	the	DET
ajis02-751	126	2	order	order	NOUN
ajis02-751	126	3	of	of	ADP
ajis02-751	126	4	entry	entry	NOUN
ajis02-751	126	5	of	of	ADP
ajis02-751	126	6	channel	channel	NOUN
ajis02-751	126	7	-	-	PUNCT
ajis02-751	126	8	related	relate	VERB
ajis02-751	126	9	factors	factor	NOUN
ajis02-751	126	10	was	be	AUX
ajis02-751	126	11	based	base	VERB
ajis02-751	126	12	on	on	ADP
ajis02-751	126	13	the	the	DET
ajis02-751	126	14	theoretical	theoretical	ADJ
ajis02-751	126	15	foundations	foundation	NOUN
ajis02-751	126	16	and	and	CCONJ
ajis02-751	126	17	the	the	DET
ajis02-751	126	18	role	role	NOUN
ajis02-751	126	19	attributed	attribute	VERB
ajis02-751	126	20	to	to	ADP
ajis02-751	126	21	the	the	DET
ajis02-751	126	22	consumers	consumer	NOUN
ajis02-751	126	23	’	’	PART
ajis02-751	126	24	psychographics	psychographic	NOUN
ajis02-751	126	25	in	in	ADP
ajis02-751	126	26	the	the	DET
ajis02-751	126	27	existing	exist	VERB
ajis02-751	126	28	literature	literature	NOUN
ajis02-751	126	29	(	(	PUNCT
ajis02-751	126	30	black	black	NOUN
ajis02-751	126	31	et	et	PROPN
ajis02-751	126	32	al	al	PROPN
ajis02-751	126	33	.	.	PROPN
ajis02-751	126	34	2002	2002	NUM
ajis02-751	126	35	)	)	PUNCT
ajis02-751	126	36	.	.	PUNCT
ajis02-751	127	1	in	in	ADP
ajis02-751	127	2	the	the	DET
ajis02-751	127	3	fourth	fourth	ADJ
ajis02-751	127	4	step	step	NOUN
ajis02-751	127	5	,	,	PUNCT
ajis02-751	127	6	social	social	ADJ
ajis02-751	127	7	factors	factor	NOUN
ajis02-751	127	8	will	will	AUX
ajis02-751	127	9	be	be	AUX
ajis02-751	127	10	entered	enter	VERB
ajis02-751	127	11	in	in	ADP
ajis02-751	127	12	to	to	ADP
ajis02-751	127	13	the	the	DET
ajis02-751	127	14	model	model	NOUN
ajis02-751	127	15	and	and	CCONJ
ajis02-751	127	16	will	will	AUX
ajis02-751	127	17	be	be	AUX
ajis02-751	127	18	expected	expect	VERB
ajis02-751	127	19	to	to	PART
ajis02-751	127	20	significantly	significantly	ADV
ajis02-751	127	21	predict	predict	VERB
ajis02-751	127	22	variability	variability	NOUN
ajis02-751	127	23	in	in	ADP
ajis02-751	127	24	the	the	DET
ajis02-751	127	25	criterion	criterion	NOUN
ajis02-751	127	26	variables	variable	VERB
ajis02-751	127	27	over	over	ADV
ajis02-751	127	28	and	and	CCONJ
ajis02-751	127	29	above	above	ADP
ajis02-751	127	30	the	the	DET
ajis02-751	127	31	previously	previously	ADV
ajis02-751	127	32	entered	enter	VERB
ajis02-751	127	33	demographics	demographic	NOUN
ajis02-751	127	34	set	set	NOUN
ajis02-751	127	35	,	,	PUNCT
ajis02-751	127	36	technology	technology	NOUN
ajis02-751	127	37	and	and	CCONJ
ajis02-751	127	38	channel	channel	NOUN
ajis02-751	127	39	factors	factor	NOUN
ajis02-751	127	40	.	.	PUNCT
ajis02-751	128	1	the	the	DET
ajis02-751	128	2	order	order	NOUN
ajis02-751	128	3	of	of	ADP
ajis02-751	128	4	entry	entry	NOUN
ajis02-751	128	5	of	of	ADP
ajis02-751	128	6	the	the	DET
ajis02-751	128	7	social	social	ADJ
ajis02-751	128	8	factors	factor	NOUN
ajis02-751	128	9	was	be	AUX
ajis02-751	128	10	of	of	ADP
ajis02-751	128	11	theoretical	theoretical	ADJ
ajis02-751	128	12	importance	importance	NOUN
ajis02-751	128	13	,	,	PUNCT
ajis02-751	128	14	asserted	assert	VERB
ajis02-751	128	15	to	to	ADP
ajis02-751	128	16	the	the	DET
ajis02-751	128	17	influence	influence	NOUN
ajis02-751	128	18	of	of	ADP
ajis02-751	128	19	the	the	DET
ajis02-751	128	20	peers	peer	NOUN
ajis02-751	128	21	,	,	PUNCT
ajis02-751	128	22	friends	friend	NOUN
ajis02-751	128	23	and	and	CCONJ
ajis02-751	128	24	family	family	NOUN
ajis02-751	128	25	members	member	NOUN
ajis02-751	128	26	in	in	ADP
ajis02-751	128	27	influencing	influence	VERB
ajis02-751	128	28	consumers	consumer	NOUN
ajis02-751	128	29	’	'	PUNCT
ajis02-751	128	30	behaviour	behaviour	NOUN
ajis02-751	128	31	,	,	PUNCT
ajis02-751	128	32	once	once	SCONJ
ajis02-751	128	33	the	the	DET
ajis02-751	128	34	consumer	consumer	NOUN
ajis02-751	128	35	encompasses	encompass	VERB
ajis02-751	128	36	contextual	contextual	ADJ
ajis02-751	128	37	and	and	CCONJ
ajis02-751	128	38	psychological	psychological	ADJ
ajis02-751	128	39	factors	factor	NOUN
ajis02-751	128	40	.	.	PUNCT
ajis02-751	129	1	finally	finally	ADV
ajis02-751	129	2	,	,	PUNCT
ajis02-751	129	3	value	value	NOUN
ajis02-751	129	4	for	for	ADP
ajis02-751	129	5	money	money	NOUN
ajis02-751	129	6	factors	factor	NOUN
ajis02-751	129	7	will	will	AUX
ajis02-751	129	8	be	be	AUX
ajis02-751	129	9	entered	enter	VERB
ajis02-751	129	10	into	into	ADP
ajis02-751	129	11	the	the	DET
ajis02-751	129	12	model	model	NOUN
ajis02-751	129	13	expected	expect	VERB
ajis02-751	129	14	to	to	PART
ajis02-751	129	15	significantly	significantly	ADV
ajis02-751	129	16	predict	predict	VERB
ajis02-751	129	17	the	the	DET
ajis02-751	129	18	criterion	criterion	NOUN
ajis02-751	129	19	variables	variable	VERB
ajis02-751	129	20	over	over	ADV
ajis02-751	129	21	and	and	CCONJ
ajis02-751	129	22	above	above	ADP
ajis02-751	129	23	those	those	PRON
ajis02-751	129	24	of	of	ADP
ajis02-751	129	25	previously	previously	ADV
ajis02-751	129	26	entered	enter	VERB
ajis02-751	129	27	predictor	predictor	NOUN
ajis02-751	129	28	variables	variable	NOUN
ajis02-751	129	29	.	.	PUNCT
ajis02-751	130	1	australasian	australasian	ADJ
ajis02-751	130	2	journal	journal	NOUN
ajis02-751	130	3	of	of	ADP
ajis02-751	130	4	information	information	NOUN
ajis02-751	130	5	systems	system	NOUN
ajis02-751	130	6	volume	volume	NOUN
ajis02-751	130	7	18	18	NUM
ajis02-751	130	8	number1	number1	NOUN
ajis02-751	130	9	2013	2013	NUM
ajis02-751	130	10	11	11	NUM
ajis02-751	130	11	technology	technology	NOUN
ajis02-751	130	12	factors	factor	NOUN
ajis02-751	130	13	channel	channel	NOUN
ajis02-751	130	14	factors	factor	VERB
ajis02-751	130	15	social	social	ADJ
ajis02-751	130	16	factors	factor	NOUN
ajis02-751	130	17	value	value	NOUN
ajis02-751	130	18	for	for	ADP
ajis02-751	130	19	money	money	NOUN
ajis02-751	130	20	factors	factor	NOUN
ajis02-751	130	21	continued	continue	VERB
ajis02-751	130	22	use	use	NOUN
ajis02-751	130	23	of	of	ADP
ajis02-751	130	24	internet	internet	NOUN
ajis02-751	130	25	banking	banking	NOUN
ajis02-751	130	26	figure	figure	NOUN
ajis02-751	130	27	1	1	NUM
ajis02-751	130	28	:	:	PUNCT
ajis02-751	130	29	overall	overall	ADJ
ajis02-751	130	30	conceptual	conceptual	ADJ
ajis02-751	130	31	framework	framework	NOUN
ajis02-751	130	32	showing	show	VERB
ajis02-751	130	33	the	the	DET
ajis02-751	130	34	order	order	NOUN
ajis02-751	130	35	in	in	ADP
ajis02-751	130	36	which	which	PRON
ajis02-751	130	37	variables	variable	NOUN
ajis02-751	130	38	sets	set	NOUN
ajis02-751	130	39	will	will	AUX
ajis02-751	130	40	be	be	AUX
ajis02-751	130	41	considered	consider	VERB
ajis02-751	130	42	in	in	ADP
ajis02-751	130	43	the	the	DET
ajis02-751	130	44	prediction	prediction	NOUN
ajis02-751	130	45	of	of	ADP
ajis02-751	130	46	continued	continue	VERB
ajis02-751	130	47	use	use	NOUN
ajis02-751	130	48	of	of	ADP
ajis02-751	130	49	internet	internet	NOUN
ajis02-751	130	50	banking	banking	NOUN
ajis02-751	130	51	h1	h1	PROPN
ajis02-751	130	52	:	:	PUNCT
ajis02-751	130	53	identified	identify	VERB
ajis02-751	130	54	technology	technology	NOUN
ajis02-751	130	55	factors	factor	NOUN
ajis02-751	130	56	will	will	AUX
ajis02-751	130	57	significantly	significantly	ADV
ajis02-751	130	58	predict	predict	VERB
ajis02-751	130	59	continued	continue	VERB
ajis02-751	130	60	usage	usage	NOUN
ajis02-751	130	61	of	of	ADP
ajis02-751	130	62	internet	internet	NOUN
ajis02-751	130	63	banking	banking	NOUN
ajis02-751	130	64	over	over	ADP
ajis02-751	130	65	and	and	CCONJ
ajis02-751	130	66	above	above	ADP
ajis02-751	130	67	the	the	DET
ajis02-751	130	68	influence	influence	NOUN
ajis02-751	130	69	of	of	ADP
ajis02-751	130	70	the	the	DET
ajis02-751	130	71	demographic	demographic	ADJ
ajis02-751	130	72	control	control	NOUN
ajis02-751	130	73	variables	variable	NOUN
ajis02-751	130	74	.	.	PUNCT
ajis02-751	131	1	h2	h2	NOUN
ajis02-751	131	2	:	:	PUNCT
ajis02-751	131	3	identified	identify	VERB
ajis02-751	131	4	channel	channel	NOUN
ajis02-751	131	5	factors	factor	NOUN
ajis02-751	131	6	will	will	AUX
ajis02-751	131	7	significantly	significantly	ADV
ajis02-751	131	8	predict	predict	VERB
ajis02-751	131	9	continued	continue	VERB
ajis02-751	131	10	usage	usage	NOUN
ajis02-751	131	11	of	of	ADP
ajis02-751	131	12	internet	internet	NOUN
ajis02-751	131	13	banking	banking	NOUN
ajis02-751	131	14	over	over	ADP
ajis02-751	131	15	and	and	CCONJ
ajis02-751	131	16	above	above	ADP
ajis02-751	131	17	the	the	DET
ajis02-751	131	18	influence	influence	NOUN
ajis02-751	131	19	of	of	ADP
ajis02-751	131	20	the	the	DET
ajis02-751	131	21	demographic	demographic	ADJ
ajis02-751	131	22	control	control	NOUN
ajis02-751	131	23	variables	variable	NOUN
ajis02-751	131	24	and	and	CCONJ
ajis02-751	131	25	technology	technology	NOUN
ajis02-751	131	26	factors	factor	NOUN
ajis02-751	131	27	.	.	PUNCT
ajis02-751	132	1	h3	h3	NOUN
ajis02-751	132	2	:	:	PUNCT
ajis02-751	132	3	identified	identify	VERB
ajis02-751	132	4	social	social	ADJ
ajis02-751	132	5	factors	factor	NOUN
ajis02-751	132	6	will	will	AUX
ajis02-751	132	7	significantly	significantly	ADV
ajis02-751	132	8	predict	predict	VERB
ajis02-751	132	9	continued	continue	VERB
ajis02-751	132	10	usage	usage	NOUN
ajis02-751	132	11	of	of	ADP
ajis02-751	132	12	internet	internet	NOUN
ajis02-751	132	13	banking	banking	NOUN
ajis02-751	132	14	over	over	ADP
ajis02-751	132	15	and	and	CCONJ
ajis02-751	132	16	above	above	ADP
ajis02-751	132	17	the	the	DET
ajis02-751	132	18	influence	influence	NOUN
ajis02-751	132	19	of	of	ADP
ajis02-751	132	20	the	the	DET
ajis02-751	132	21	demographic	demographic	ADJ
ajis02-751	132	22	control	control	NOUN
ajis02-751	132	23	variables	variable	NOUN
ajis02-751	132	24	,	,	PUNCT
ajis02-751	132	25	technology	technology	NOUN
ajis02-751	132	26	and	and	CCONJ
ajis02-751	132	27	channel	channel	NOUN
ajis02-751	132	28	factors	factor	NOUN
ajis02-751	132	29	.	.	PUNCT
ajis02-751	133	1	h4	h4	NOUN
ajis02-751	133	2	:	:	PUNCT
ajis02-751	133	3	identified	identify	VERB
ajis02-751	133	4	value	value	NOUN
ajis02-751	133	5	for	for	ADP
ajis02-751	133	6	money	money	NOUN
ajis02-751	133	7	factors	factor	NOUN
ajis02-751	133	8	will	will	AUX
ajis02-751	133	9	significantly	significantly	ADV
ajis02-751	133	10	predict	predict	VERB
ajis02-751	133	11	continued	continue	VERB
ajis02-751	133	12	usage	usage	NOUN
ajis02-751	133	13	of	of	ADP
ajis02-751	133	14	internet	internet	NOUN
ajis02-751	133	15	banking	banking	NOUN
ajis02-751	133	16	over	over	ADP
ajis02-751	133	17	and	and	CCONJ
ajis02-751	133	18	above	above	ADP
ajis02-751	133	19	the	the	DET
ajis02-751	133	20	influence	influence	NOUN
ajis02-751	133	21	of	of	ADP
ajis02-751	133	22	the	the	DET
ajis02-751	133	23	demographic	demographic	ADJ
ajis02-751	133	24	control	control	NOUN
ajis02-751	133	25	variables	variable	NOUN
ajis02-751	133	26	,	,	PUNCT
ajis02-751	133	27	technology	technology	NOUN
ajis02-751	133	28	,	,	PUNCT
ajis02-751	133	29	channel	channel	NOUN
ajis02-751	133	30	and	and	CCONJ
ajis02-751	133	31	social	social	ADJ
ajis02-751	133	32	factors	factor	NOUN
ajis02-751	133	33	.	.	PUNCT
ajis02-751	134	1	research	research	NOUN
ajis02-751	134	2	methodology	methodology	NOUN
ajis02-751	134	3	the	the	DET
ajis02-751	134	4	present	present	ADJ
ajis02-751	134	5	study	study	NOUN
ajis02-751	134	6	was	be	AUX
ajis02-751	134	7	conducted	conduct	VERB
ajis02-751	134	8	in	in	ADP
ajis02-751	134	9	the	the	DET
ajis02-751	134	10	sydney	sydney	PROPN
ajis02-751	134	11	region	region	NOUN
ajis02-751	134	12	,	,	PUNCT
ajis02-751	134	13	as	as	SCONJ
ajis02-751	134	14	it	it	PRON
ajis02-751	134	15	is	be	AUX
ajis02-751	134	16	a	a	DET
ajis02-751	134	17	financial	financial	ADJ
ajis02-751	134	18	centre	centre	NOUN
ajis02-751	134	19	in	in	ADP
ajis02-751	134	20	australia	australia	PROPN
ajis02-751	134	21	,	,	PUNCT
ajis02-751	134	22	as	as	ADV
ajis02-751	134	23	well	well	ADV
ajis02-751	134	24	as	as	ADP
ajis02-751	134	25	the	the	DET
ajis02-751	134	26	location	location	NOUN
ajis02-751	134	27	where	where	SCONJ
ajis02-751	134	28	a	a	DET
ajis02-751	134	29	majority	majority	NOUN
ajis02-751	134	30	of	of	ADP
ajis02-751	134	31	the	the	DET
ajis02-751	134	32	retail	retail	ADJ
ajis02-751	134	33	banks	bank	NOUN
ajis02-751	134	34	conduct	conduct	VERB
ajis02-751	134	35	their	their	PRON
ajis02-751	134	36	operations	operation	NOUN
ajis02-751	134	37	.	.	PUNCT
ajis02-751	135	1	the	the	DET
ajis02-751	135	2	questionnaire	questionnaire	NOUN
ajis02-751	135	3	was	be	AUX
ajis02-751	135	4	distributed	distribute	VERB
ajis02-751	135	5	to	to	ADP
ajis02-751	135	6	both	both	DET
ajis02-751	135	7	the	the	DET
ajis02-751	135	8	users	user	NOUN
ajis02-751	135	9	and	and	CCONJ
ajis02-751	135	10	non	non	NOUN
ajis02-751	135	11	-	-	NOUN
ajis02-751	135	12	users	user	NOUN
ajis02-751	135	13	of	of	ADP
ajis02-751	135	14	internet	internet	NOUN
ajis02-751	135	15	banking	banking	NOUN
ajis02-751	135	16	.	.	PUNCT
ajis02-751	136	1	out	out	ADP
ajis02-751	136	2	of	of	ADP
ajis02-751	136	3	the	the	DET
ajis02-751	136	4	1308	1308	NUM
ajis02-751	136	5	respondents	respondent	NOUN
ajis02-751	136	6	intercepted	intercept	VERB
ajis02-751	136	7	in	in	ADP
ajis02-751	136	8	the	the	DET
ajis02-751	136	9	foyer	foyer	NOUN
ajis02-751	136	10	of	of	ADP
ajis02-751	136	11	the	the	DET
ajis02-751	136	12	shopping	shopping	NOUN
ajis02-751	136	13	mall	mall	NOUN
ajis02-751	136	14	,	,	PUNCT
ajis02-751	136	15	698	698	NUM
ajis02-751	136	16	respondents	respondent	NOUN
ajis02-751	136	17	answered	answer	VERB
ajis02-751	136	18	the	the	DET
ajis02-751	136	19	survey	survey	NOUN
ajis02-751	136	20	questionnaire	questionnaire	NOUN
ajis02-751	136	21	on	on	ADP
ajis02-751	136	22	the	the	DET
ajis02-751	136	23	spot	spot	NOUN
ajis02-751	136	24	.	.	PUNCT
ajis02-751	137	1	of	of	ADP
ajis02-751	137	2	these	these	DET
ajis02-751	137	3	questionnaires	questionnaire	NOUN
ajis02-751	137	4	obtained	obtain	VERB
ajis02-751	137	5	,	,	PUNCT
ajis02-751	137	6	only	only	ADV
ajis02-751	137	7	683	683	NUM
ajis02-751	137	8	questionnaires	questionnaire	NOUN
ajis02-751	137	9	were	be	AUX
ajis02-751	137	10	valid	valid	ADJ
ajis02-751	137	11	with	with	ADP
ajis02-751	137	12	complete	complete	ADJ
ajis02-751	137	13	responses	response	NOUN
ajis02-751	137	14	,	,	PUNCT
ajis02-751	137	15	thus	thus	ADV
ajis02-751	137	16	indicating	indicate	VERB
ajis02-751	137	17	52.5	52.5	NUM
ajis02-751	137	18	percent	percent	NOUN
ajis02-751	137	19	of	of	ADP
ajis02-751	137	20	the	the	DET
ajis02-751	137	21	response	response	NOUN
ajis02-751	137	22	rate	rate	NOUN
ajis02-751	137	23	.	.	PUNCT
ajis02-751	138	1	among	among	ADP
ajis02-751	138	2	the	the	DET
ajis02-751	138	3	683	683	NUM
ajis02-751	138	4	usable	usable	ADJ
ajis02-751	138	5	questionnaires	questionnaire	NOUN
ajis02-751	138	6	,	,	PUNCT
ajis02-751	138	7	372	372	NUM
ajis02-751	138	8	were	be	AUX
ajis02-751	138	9	completed	complete	VERB
ajis02-751	138	10	by	by	ADP
ajis02-751	138	11	users	user	NOUN
ajis02-751	138	12	and	and	CCONJ
ajis02-751	138	13	the	the	DET
ajis02-751	138	14	remaining	remain	VERB
ajis02-751	138	15	311	311	NUM
ajis02-751	138	16	by	by	ADP
ajis02-751	138	17	non	non	NOUN
ajis02-751	138	18	-	-	NOUN
ajis02-751	138	19	users	user	NOUN
ajis02-751	138	20	of	of	ADP
ajis02-751	138	21	internet	internet	NOUN
ajis02-751	138	22	banking	banking	NOUN
ajis02-751	138	23	.	.	PUNCT
ajis02-751	139	1	for	for	ADP
ajis02-751	139	2	the	the	DET
ajis02-751	139	3	purpose	purpose	NOUN
ajis02-751	139	4	of	of	ADP
ajis02-751	139	5	this	this	DET
ajis02-751	139	6	study	study	NOUN
ajis02-751	139	7	,	,	PUNCT
ajis02-751	139	8	only	only	ADV
ajis02-751	139	9	questionnaires	questionnaire	NOUN
ajis02-751	139	10	obtained	obtain	VERB
ajis02-751	139	11	from	from	ADP
ajis02-751	139	12	the	the	DET
ajis02-751	139	13	internet	internet	NOUN
ajis02-751	139	14	banking	banking	NOUN
ajis02-751	139	15	users	user	NOUN
ajis02-751	139	16	(	(	PUNCT
ajis02-751	139	17	n=372	n=372	PROPN
ajis02-751	139	18	)	)	PUNCT
ajis02-751	139	19	has	have	AUX
ajis02-751	139	20	been	be	AUX
ajis02-751	139	21	taken	take	VERB
ajis02-751	139	22	into	into	ADP
ajis02-751	139	23	consideration	consideration	NOUN
ajis02-751	139	24	for	for	ADP
ajis02-751	139	25	subsequent	subsequent	ADJ
ajis02-751	139	26	analysis	analysis	NOUN
ajis02-751	139	27	.	.	PUNCT
ajis02-751	140	1	the	the	DET
ajis02-751	140	2	survey	survey	NOUN
ajis02-751	140	3	instrument	instrument	NOUN
ajis02-751	140	4	consisted	consist	VERB
ajis02-751	140	5	of	of	ADP
ajis02-751	140	6	questions	question	NOUN
ajis02-751	140	7	pertaining	pertain	VERB
ajis02-751	140	8	to	to	PART
ajis02-751	140	9	respondent	respondent	VERB
ajis02-751	140	10	’s	’s	PART
ajis02-751	140	11	general	general	ADJ
ajis02-751	140	12	banking	banking	NOUN
ajis02-751	140	13	habits	habit	NOUN
ajis02-751	140	14	and	and	CCONJ
ajis02-751	140	15	internet	internet	NOUN
ajis02-751	140	16	usage	usage	NOUN
ajis02-751	140	17	,	,	PUNCT
ajis02-751	140	18	demographic	demographic	ADJ
ajis02-751	140	19	characteristics	characteristic	NOUN
ajis02-751	140	20	,	,	PUNCT
ajis02-751	140	21	scale	scale	NOUN
ajis02-751	140	22	items	item	NOUN
ajis02-751	140	23	and	and	CCONJ
ajis02-751	140	24	open	open	ADV
ajis02-751	140	25	-	-	PUNCT
ajis02-751	140	26	ended	end	VERB
ajis02-751	140	27	questions	question	NOUN
ajis02-751	140	28	,	,	PUNCT
ajis02-751	140	29	organised	organise	VERB
ajis02-751	140	30	into	into	ADP
ajis02-751	140	31	logical	logical	ADJ
ajis02-751	140	32	sections	section	NOUN
ajis02-751	140	33	.	.	PUNCT
ajis02-751	141	1	questions	question	NOUN
ajis02-751	141	2	related	relate	VERB
ajis02-751	141	3	to	to	ADP
ajis02-751	141	4	general	general	ADJ
ajis02-751	141	5	banking	banking	NOUN
ajis02-751	141	6	behaviour	behaviour	NOUN
ajis02-751	141	7	,	,	PUNCT
ajis02-751	141	8	internet	internet	NOUN
ajis02-751	141	9	usage	usage	NOUN
ajis02-751	141	10	and	and	CCONJ
ajis02-751	141	11	demographic	demographic	ADJ
ajis02-751	141	12	characteristics	characteristic	NOUN
ajis02-751	141	13	were	be	AUX
ajis02-751	141	14	incorporated	incorporate	VERB
ajis02-751	141	15	in	in	ADP
ajis02-751	141	16	the	the	DET
ajis02-751	141	17	questionnaire	questionnaire	NOUN
ajis02-751	141	18	irrespective	irrespective	ADV
ajis02-751	141	19	of	of	ADP
ajis02-751	141	20	the	the	DET
ajis02-751	141	21	respondent	respondent	NOUN
ajis02-751	141	22	’s	’s	PART
ajis02-751	141	23	internet	internet	NOUN
ajis02-751	141	24	banking	banking	NOUN
ajis02-751	141	25	australasian	australasian	ADJ
ajis02-751	141	26	journal	journal	NOUN
ajis02-751	141	27	of	of	ADP
ajis02-751	141	28	information	information	NOUN
ajis02-751	141	29	systems	system	NOUN
ajis02-751	141	30	volume	volume	NOUN
ajis02-751	141	31	18	18	NUM
ajis02-751	141	32	number1	number1	NOUN
ajis02-751	141	33	2013	2013	NUM
ajis02-751	141	34	12	12	NUM
ajis02-751	141	35	usage	usage	NOUN
ajis02-751	141	36	pattern	pattern	NOUN
ajis02-751	141	37	.	.	PUNCT
ajis02-751	142	1	to	to	PART
ajis02-751	142	2	begin	begin	VERB
ajis02-751	142	3	with	with	ADP
ajis02-751	142	4	,	,	PUNCT
ajis02-751	142	5	the	the	DET
ajis02-751	142	6	questionnaire	questionnaire	NOUN
ajis02-751	142	7	consisted	consist	VERB
ajis02-751	142	8	of	of	ADP
ajis02-751	142	9	an	an	DET
ajis02-751	142	10	open	open	ADV
ajis02-751	142	11	-	-	PUNCT
ajis02-751	142	12	ended	end	VERB
ajis02-751	142	13	question	question	NOUN
ajis02-751	142	14	asking	ask	VERB
ajis02-751	142	15	the	the	DET
ajis02-751	142	16	nonusers	nonuser	NOUN
ajis02-751	142	17	of	of	ADP
ajis02-751	142	18	internet	internet	NOUN
ajis02-751	142	19	banking	banking	NOUN
ajis02-751	142	20	to	to	PART
ajis02-751	142	21	give	give	VERB
ajis02-751	142	22	the	the	DET
ajis02-751	142	23	reasons	reason	NOUN
ajis02-751	142	24	why	why	SCONJ
ajis02-751	142	25	they	they	PRON
ajis02-751	142	26	do	do	AUX
ajis02-751	142	27	not	not	PART
ajis02-751	142	28	use	use	VERB
ajis02-751	142	29	internet	internet	NOUN
ajis02-751	142	30	banking	banking	NOUN
ajis02-751	142	31	.	.	PUNCT
ajis02-751	143	1	if	if	SCONJ
ajis02-751	143	2	respondents	respondent	NOUN
ajis02-751	143	3	did	do	AUX
ajis02-751	143	4	not	not	PART
ajis02-751	143	5	use	use	VERB
ajis02-751	143	6	internet	internet	NOUN
ajis02-751	143	7	banking	banking	NOUN
ajis02-751	143	8	they	they	PRON
ajis02-751	143	9	were	be	AUX
ajis02-751	143	10	thanked	thank	VERB
ajis02-751	143	11	for	for	ADP
ajis02-751	143	12	their	their	PRON
ajis02-751	143	13	participation	participation	NOUN
ajis02-751	143	14	and	and	CCONJ
ajis02-751	143	15	then	then	ADV
ajis02-751	143	16	screened	screen	VERB
ajis02-751	143	17	out	out	ADP
ajis02-751	143	18	of	of	ADP
ajis02-751	143	19	the	the	DET
ajis02-751	143	20	survey	survey	NOUN
ajis02-751	143	21	.	.	PUNCT
ajis02-751	144	1	the	the	DET
ajis02-751	144	2	questionnaire	questionnaire	NOUN
ajis02-751	144	3	then	then	ADV
ajis02-751	144	4	goes	go	VERB
ajis02-751	144	5	on	on	ADP
ajis02-751	144	6	to	to	PART
ajis02-751	144	7	obtain	obtain	VERB
ajis02-751	144	8	answers	answer	NOUN
ajis02-751	144	9	from	from	ADP
ajis02-751	144	10	internet	internet	NOUN
ajis02-751	144	11	banking	banking	NOUN
ajis02-751	144	12	users	user	NOUN
ajis02-751	144	13	,	,	PUNCT
ajis02-751	144	14	which	which	PRON
ajis02-751	144	15	contained	contain	VERB
ajis02-751	144	16	items	item	NOUN
ajis02-751	144	17	on	on	ADP
ajis02-751	144	18	technology	technology	NOUN
ajis02-751	144	19	,	,	PUNCT
ajis02-751	144	20	channel	channel	NOUN
ajis02-751	144	21	,	,	PUNCT
ajis02-751	144	22	social	social	ADJ
ajis02-751	144	23	,	,	PUNCT
ajis02-751	144	24	value	value	NOUN
ajis02-751	144	25	for	for	ADP
ajis02-751	144	26	money	money	NOUN
ajis02-751	144	27	and	and	CCONJ
ajis02-751	144	28	continued	continue	VERB
ajis02-751	144	29	use	use	NOUN
ajis02-751	144	30	factors	factor	NOUN
ajis02-751	144	31	.	.	PUNCT
ajis02-751	145	1	all	all	DET
ajis02-751	145	2	the	the	DET
ajis02-751	145	3	five	five	NUM
ajis02-751	145	4	scales	scale	NOUN
ajis02-751	145	5	representing	represent	VERB
ajis02-751	145	6	the	the	DET
ajis02-751	145	7	major	major	ADJ
ajis02-751	145	8	variables	variable	NOUN
ajis02-751	145	9	were	be	AUX
ajis02-751	145	10	used	use	VERB
ajis02-751	145	11	by	by	ADP
ajis02-751	145	12	researchers	researcher	NOUN
ajis02-751	145	13	in	in	ADP
ajis02-751	145	14	different	different	ADJ
ajis02-751	145	15	contexts	context	NOUN
ajis02-751	145	16	whose	whose	DET
ajis02-751	145	17	validity	validity	NOUN
ajis02-751	145	18	and	and	CCONJ
ajis02-751	145	19	reliability	reliability	NOUN
ajis02-751	145	20	had	have	AUX
ajis02-751	145	21	been	be	AUX
ajis02-751	145	22	established	establish	VERB
ajis02-751	145	23	in	in	ADP
ajis02-751	145	24	previous	previous	ADJ
ajis02-751	145	25	studies	study	NOUN
ajis02-751	145	26	.	.	PUNCT
ajis02-751	146	1	furthermore	furthermore	ADV
ajis02-751	146	2	,	,	PUNCT
ajis02-751	146	3	the	the	DET
ajis02-751	146	4	survey	survey	NOUN
ajis02-751	146	5	also	also	ADV
ajis02-751	146	6	had	have	VERB
ajis02-751	146	7	an	an	DET
ajis02-751	146	8	open	open	ADV
ajis02-751	146	9	-	-	PUNCT
ajis02-751	146	10	ended	end	VERB
ajis02-751	146	11	qualitative	qualitative	ADJ
ajis02-751	146	12	section	section	NOUN
ajis02-751	146	13	included	include	VERB
ajis02-751	146	14	at	at	ADP
ajis02-751	146	15	the	the	DET
ajis02-751	146	16	end	end	NOUN
ajis02-751	146	17	in	in	ADP
ajis02-751	146	18	order	order	NOUN
ajis02-751	146	19	to	to	PART
ajis02-751	146	20	collect	collect	VERB
ajis02-751	146	21	the	the	DET
ajis02-751	146	22	respondent	respondent	NOUN
ajis02-751	146	23	’s	’s	PART
ajis02-751	146	24	opinions	opinion	NOUN
ajis02-751	146	25	about	about	ADP
ajis02-751	146	26	their	their	PRON
ajis02-751	146	27	internet	internet	NOUN
ajis02-751	146	28	banking	banking	NOUN
ajis02-751	146	29	patterns	pattern	NOUN
ajis02-751	146	30	from	from	ADP
ajis02-751	146	31	the	the	DET
ajis02-751	146	32	users	user	NOUN
ajis02-751	146	33	of	of	ADP
ajis02-751	146	34	internet	internet	NOUN
ajis02-751	146	35	banking	banking	NOUN
ajis02-751	146	36	.	.	PUNCT
ajis02-751	147	1	technology	technology	NOUN
ajis02-751	147	2	factors	factor	NOUN
ajis02-751	147	3	included	include	VERB
ajis02-751	147	4	in	in	ADP
ajis02-751	147	5	the	the	DET
ajis02-751	147	6	present	present	ADJ
ajis02-751	147	7	study	study	NOUN
ajis02-751	147	8	were	be	AUX
ajis02-751	147	9	operationalised	operationalise	VERB
ajis02-751	147	10	in	in	ADP
ajis02-751	147	11	a	a	DET
ajis02-751	147	12	manner	manner	NOUN
ajis02-751	147	13	consistent	consistent	ADJ
ajis02-751	147	14	with	with	ADP
ajis02-751	147	15	previous	previous	ADJ
ajis02-751	147	16	internet	internet	NOUN
ajis02-751	147	17	banking	banking	NOUN
ajis02-751	147	18	studies	study	NOUN
ajis02-751	147	19	in	in	ADP
ajis02-751	147	20	other	other	ADJ
ajis02-751	147	21	research	research	NOUN
ajis02-751	147	22	contexts	contexts	NOUN
ajis02-751	147	23	(	(	PUNCT
ajis02-751	147	24	hernandez	hernandez	PROPN
ajis02-751	147	25	&	&	CCONJ
ajis02-751	147	26	mazzon	mazzon	PROPN
ajis02-751	147	27	2007	2007	NUM
ajis02-751	147	28	;	;	PUNCT
ajis02-751	147	29	chan	chan	PROPN
ajis02-751	147	30	&	&	CCONJ
ajis02-751	147	31	lu	lu	PROPN
ajis02-751	147	32	2004	2004	NUM
ajis02-751	147	33	;	;	PUNCT
ajis02-751	147	34	tan	tan	PROPN
ajis02-751	147	35	&	&	CCONJ
ajis02-751	147	36	teo	teo	PROPN
ajis02-751	147	37	2000	2000	NUM
ajis02-751	147	38	;	;	PUNCT
ajis02-751	147	39	moore	moore	PROPN
ajis02-751	147	40	&	&	CCONJ
ajis02-751	147	41	benbasat	benbasat	VERB
ajis02-751	147	42	1991	1991	NUM
ajis02-751	147	43	)	)	PUNCT
ajis02-751	147	44	.	.	PUNCT
ajis02-751	148	1	for	for	ADP
ajis02-751	148	2	this	this	DET
ajis02-751	148	3	study	study	NOUN
ajis02-751	148	4	,	,	PUNCT
ajis02-751	148	5	technology	technology	NOUN
ajis02-751	148	6	factors	factor	NOUN
ajis02-751	148	7	were	be	AUX
ajis02-751	148	8	measured	measure	VERB
ajis02-751	148	9	using	use	VERB
ajis02-751	148	10	a	a	DET
ajis02-751	148	11	17	17	NUM
ajis02-751	148	12	item	item	NOUN
ajis02-751	148	13	scale	scale	NOUN
ajis02-751	148	14	consisting	consist	VERB
ajis02-751	148	15	of	of	ADP
ajis02-751	148	16	five	five	NUM
ajis02-751	148	17	sub	sub	NOUN
ajis02-751	148	18	-	-	NOUN
ajis02-751	148	19	dimensions	dimension	NOUN
ajis02-751	148	20	such	such	ADJ
ajis02-751	148	21	as	as	ADP
ajis02-751	148	22	relative	relative	ADJ
ajis02-751	148	23	advantage	advantage	NOUN
ajis02-751	148	24	,	,	PUNCT
ajis02-751	148	25	compatibility	compatibility	NOUN
ajis02-751	148	26	,	,	PUNCT
ajis02-751	148	27	complexity	complexity	NOUN
ajis02-751	148	28	,	,	PUNCT
ajis02-751	148	29	trialability	trialability	NOUN
ajis02-751	148	30	and	and	CCONJ
ajis02-751	148	31	result	result	VERB
ajis02-751	148	32	demonstrability	demonstrability	NOUN
ajis02-751	148	33	(	(	PUNCT
ajis02-751	148	34	moore	moore	PROPN
ajis02-751	148	35	&	&	CCONJ
ajis02-751	148	36	benbasat	benbasat	VERB
ajis02-751	148	37	1991	1991	NUM
ajis02-751	148	38	)	)	PUNCT
ajis02-751	148	39	.	.	PUNCT
ajis02-751	149	1	channel	channel	NOUN
ajis02-751	149	2	factors	factor	NOUN
ajis02-751	149	3	were	be	AUX
ajis02-751	149	4	operationalised	operationalise	VERB
ajis02-751	149	5	in	in	ADP
ajis02-751	149	6	accordance	accordance	NOUN
ajis02-751	149	7	with	with	ADP
ajis02-751	149	8	work	work	NOUN
ajis02-751	149	9	by	by	ADP
ajis02-751	149	10	hernandez	hernandez	PROPN
ajis02-751	149	11	&	&	CCONJ
ajis02-751	149	12	mazzon	mazzon	PROPN
ajis02-751	149	13	(	(	PUNCT
ajis02-751	149	14	2007	2007	NUM
ajis02-751	149	15	)	)	PUNCT
ajis02-751	149	16	,	,	PUNCT
ajis02-751	149	17	chan	chan	PROPN
ajis02-751	149	18	&	&	CCONJ
ajis02-751	149	19	lu	lu	PROPN
ajis02-751	149	20	(	(	PUNCT
ajis02-751	149	21	2004	2004	NUM
ajis02-751	149	22	)	)	PUNCT
ajis02-751	149	23	,	,	PUNCT
ajis02-751	149	24	tan	tan	PROPN
ajis02-751	149	25	&	&	CCONJ
ajis02-751	149	26	teo	teo	PROPN
ajis02-751	149	27	(	(	PUNCT
ajis02-751	149	28	2000	2000	NUM
ajis02-751	149	29	)	)	PUNCT
ajis02-751	149	30	,	,	PUNCT
ajis02-751	149	31	rhee	rhee	PROPN
ajis02-751	149	32	&	&	CCONJ
ajis02-751	149	33	riggins	riggins	PROPN
ajis02-751	149	34	(	(	PUNCT
ajis02-751	149	35	1997	1997	NUM
ajis02-751	149	36	)	)	PUNCT
ajis02-751	149	37	,	,	PUNCT
ajis02-751	149	38	and	and	CCONJ
ajis02-751	149	39	lee	lee	PROPN
ajis02-751	149	40	(	(	PUNCT
ajis02-751	149	41	1996	1996	NUM
ajis02-751	149	42	)	)	PUNCT
ajis02-751	149	43	.	.	PUNCT
ajis02-751	150	1	channel	channel	NOUN
ajis02-751	150	2	factors	factor	NOUN
ajis02-751	150	3	were	be	AUX
ajis02-751	150	4	measured	measure	VERB
ajis02-751	150	5	using	use	VERB
ajis02-751	150	6	the	the	DET
ajis02-751	150	7	15	15	NUM
ajis02-751	150	8	item	item	NOUN
ajis02-751	150	9	scale	scale	NOUN
ajis02-751	150	10	consisting	consist	VERB
ajis02-751	150	11	of	of	ADP
ajis02-751	150	12	four	four	NUM
ajis02-751	150	13	sub	sub	NOUN
ajis02-751	150	14	-	-	NOUN
ajis02-751	150	15	dimensions	dimension	NOUN
ajis02-751	150	16	such	such	ADJ
ajis02-751	150	17	as	as	ADP
ajis02-751	150	18	perceived	perceive	VERB
ajis02-751	150	19	self	self	NOUN
ajis02-751	150	20	-	-	PUNCT
ajis02-751	150	21	efficacy	efficacy	NOUN
ajis02-751	150	22	,	,	PUNCT
ajis02-751	150	23	perceived	perceive	VERB
ajis02-751	150	24	risk	risk	NOUN
ajis02-751	150	25	,	,	PUNCT
ajis02-751	150	26	perceived	perceive	VERB
ajis02-751	150	27	trust	trust	NOUN
ajis02-751	150	28	and	and	CCONJ
ajis02-751	150	29	perceived	perceive	VERB
ajis02-751	150	30	personalisation	personalisation	NOUN
ajis02-751	150	31	(	(	PUNCT
ajis02-751	150	32	hernandez	hernandez	PROPN
ajis02-751	150	33	&	&	CCONJ
ajis02-751	150	34	mazzon	mazzon	PROPN
ajis02-751	150	35	2007	2007	NUM
ajis02-751	150	36	;	;	PUNCT
ajis02-751	150	37	tan	tan	PROPN
ajis02-751	150	38	&	&	CCONJ
ajis02-751	150	39	teo	teo	PROPN
ajis02-751	150	40	2000	2000	NUM
ajis02-751	150	41	)	)	PUNCT
ajis02-751	150	42	.	.	PUNCT
ajis02-751	151	1	social	social	ADJ
ajis02-751	151	2	factors	factor	NOUN
ajis02-751	151	3	were	be	AUX
ajis02-751	151	4	operationalised	operationalise	VERB
ajis02-751	151	5	consistent	consistent	ADJ
ajis02-751	151	6	with	with	ADP
ajis02-751	151	7	work	work	NOUN
ajis02-751	151	8	by	by	ADP
ajis02-751	151	9	chan	chan	PROPN
ajis02-751	151	10	&	&	CCONJ
ajis02-751	151	11	lu	lu	PROPN
ajis02-751	151	12	(	(	PUNCT
ajis02-751	151	13	2004	2004	NUM
ajis02-751	151	14	)	)	PUNCT
ajis02-751	151	15	,	,	PUNCT
ajis02-751	151	16	venkatesh	venkatesh	PROPN
ajis02-751	151	17	&	&	CCONJ
ajis02-751	151	18	davis	davis	PROPN
ajis02-751	151	19	(	(	PUNCT
ajis02-751	151	20	2000	2000	NUM
ajis02-751	151	21	)	)	PUNCT
ajis02-751	151	22	,	,	PUNCT
ajis02-751	151	23	and	and	CCONJ
ajis02-751	151	24	tan	tan	PROPN
ajis02-751	151	25	&	&	CCONJ
ajis02-751	151	26	teo	teo	PROPN
ajis02-751	151	27	(	(	PUNCT
ajis02-751	151	28	2000	2000	NUM
ajis02-751	151	29	)	)	PUNCT
ajis02-751	151	30	.	.	PUNCT
ajis02-751	152	1	in	in	ADP
ajis02-751	152	2	this	this	DET
ajis02-751	152	3	study	study	NOUN
ajis02-751	152	4	,	,	PUNCT
ajis02-751	152	5	social	social	ADJ
ajis02-751	152	6	factors	factor	NOUN
ajis02-751	152	7	were	be	AUX
ajis02-751	152	8	measured	measure	VERB
ajis02-751	152	9	using	use	VERB
ajis02-751	152	10	the	the	DET
ajis02-751	152	11	six	six	NUM
ajis02-751	152	12	-	-	PUNCT
ajis02-751	152	13	item	item	NOUN
ajis02-751	152	14	scale	scale	NOUN
ajis02-751	152	15	consisting	consist	VERB
ajis02-751	152	16	of	of	ADP
ajis02-751	152	17	two	two	NUM
ajis02-751	152	18	sub	sub	ADJ
ajis02-751	152	19	-	-	ADJ
ajis02-751	152	20	dimensions	dimensions	ADJ
ajis02-751	152	21	subjective	subjective	ADJ
ajis02-751	152	22	norm	norm	NOUN
ajis02-751	152	23	and	and	CCONJ
ajis02-751	152	24	interpersonal	interpersonal	ADJ
ajis02-751	152	25	influence	influence	NOUN
ajis02-751	152	26	.	.	PUNCT
ajis02-751	153	1	value	value	NOUN
ajis02-751	153	2	for	for	ADP
ajis02-751	153	3	money	money	NOUN
ajis02-751	153	4	factors	factor	NOUN
ajis02-751	153	5	were	be	AUX
ajis02-751	153	6	operationalised	operationalise	VERB
ajis02-751	153	7	in	in	ADP
ajis02-751	153	8	accordance	accordance	NOUN
ajis02-751	153	9	with	with	ADP
ajis02-751	153	10	work	work	NOUN
ajis02-751	153	11	by	by	ADP
ajis02-751	153	12	thomas	thomas	PROPN
ajis02-751	153	13	&	&	CCONJ
ajis02-751	153	14	sullivan	sullivan	PROPN
ajis02-751	153	15	(	(	PUNCT
ajis02-751	153	16	2005	2005	NUM
ajis02-751	153	17	)	)	PUNCT
ajis02-751	153	18	,	,	PUNCT
ajis02-751	153	19	keen	keen	PROPN
ajis02-751	153	20	et	et	PROPN
ajis02-751	153	21	al	al	PROPN
ajis02-751	153	22	.	.	PROPN
ajis02-751	154	1	(	(	PUNCT
ajis02-751	154	2	2004	2004	NUM
ajis02-751	154	3	)	)	PUNCT
ajis02-751	154	4	,	,	PUNCT
ajis02-751	154	5	petrick	petrick	NOUN
ajis02-751	154	6	(	(	PUNCT
ajis02-751	154	7	2002	2002	NUM
ajis02-751	154	8	)	)	PUNCT
ajis02-751	154	9	,	,	PUNCT
ajis02-751	154	10	zeithaml	zeithaml	PROPN
ajis02-751	154	11	et	et	PROPN
ajis02-751	154	12	al	al	PROPN
ajis02-751	154	13	.	.	PROPN
ajis02-751	155	1	(	(	PUNCT
ajis02-751	155	2	2002	2002	NUM
ajis02-751	155	3	)	)	PUNCT
ajis02-751	155	4	,	,	PUNCT
ajis02-751	155	5	and	and	CCONJ
ajis02-751	155	6	sweeney	sweeney	PROPN
ajis02-751	155	7	&	&	CCONJ
ajis02-751	155	8	soutar	soutar	PROPN
ajis02-751	155	9	(	(	PUNCT
ajis02-751	155	10	2001	2001	NUM
ajis02-751	155	11	)	)	PUNCT
ajis02-751	155	12	.	.	PUNCT
ajis02-751	156	1	in	in	ADP
ajis02-751	156	2	this	this	DET
ajis02-751	156	3	study	study	NOUN
ajis02-751	156	4	,	,	PUNCT
ajis02-751	156	5	value	value	NOUN
ajis02-751	156	6	for	for	ADP
ajis02-751	156	7	money	money	NOUN
ajis02-751	156	8	factors	factor	NOUN
ajis02-751	156	9	was	be	AUX
ajis02-751	156	10	measured	measure	VERB
ajis02-751	156	11	using	use	VERB
ajis02-751	156	12	the	the	DET
ajis02-751	156	13	eight	eight	NUM
ajis02-751	156	14	-	-	PUNCT
ajis02-751	156	15	item	item	NOUN
ajis02-751	156	16	scale	scale	NOUN
ajis02-751	156	17	consisting	consist	VERB
ajis02-751	156	18	of	of	ADP
ajis02-751	156	19	two	two	NUM
ajis02-751	156	20	sub	sub	ADJ
ajis02-751	156	21	-	-	ADJ
ajis02-751	156	22	dimensions	dimension	NOUN
ajis02-751	156	23	perceived	perceive	VERB
ajis02-751	156	24	benefits	benefit	NOUN
ajis02-751	156	25	and	and	CCONJ
ajis02-751	156	26	perceived	perceive	VERB
ajis02-751	156	27	costs	cost	NOUN
ajis02-751	156	28	.	.	PUNCT
ajis02-751	157	1	continued	continue	VERB
ajis02-751	157	2	use	use	NOUN
ajis02-751	157	3	factors	factor	NOUN
ajis02-751	157	4	were	be	AUX
ajis02-751	157	5	operationalised	operationalise	VERB
ajis02-751	157	6	consistent	consistent	ADJ
ajis02-751	157	7	with	with	ADP
ajis02-751	157	8	work	work	NOUN
ajis02-751	157	9	by	by	ADP
ajis02-751	157	10	hernandez	hernandez	PROPN
ajis02-751	157	11	&	&	CCONJ
ajis02-751	157	12	mazzon	mazzon	PROPN
ajis02-751	157	13	(	(	PUNCT
ajis02-751	157	14	2007	2007	NUM
ajis02-751	157	15	)	)	PUNCT
ajis02-751	157	16	,	,	PUNCT
ajis02-751	157	17	chan	chan	PROPN
ajis02-751	157	18	&	&	CCONJ
ajis02-751	157	19	lu	lu	PROPN
ajis02-751	157	20	(	(	PUNCT
ajis02-751	157	21	2004	2004	NUM
ajis02-751	157	22	)	)	PUNCT
ajis02-751	157	23	,	,	PUNCT
ajis02-751	157	24	and	and	CCONJ
ajis02-751	157	25	venkatesh	venkatesh	PROPN
ajis02-751	157	26	&	&	CCONJ
ajis02-751	157	27	davis	davis	PROPN
ajis02-751	157	28	(	(	PUNCT
ajis02-751	157	29	2000	2000	NUM
ajis02-751	157	30	)	)	PUNCT
ajis02-751	157	31	.	.	PUNCT
ajis02-751	158	1	continued	continue	VERB
ajis02-751	158	2	use	use	NOUN
ajis02-751	158	3	factors	factor	NOUN
ajis02-751	158	4	were	be	AUX
ajis02-751	158	5	measured	measure	VERB
ajis02-751	158	6	using	use	VERB
ajis02-751	158	7	a	a	DET
ajis02-751	158	8	three	three	NUM
ajis02-751	158	9	item	item	NOUN
ajis02-751	158	10	scale	scale	NOUN
ajis02-751	158	11	without	without	ADP
ajis02-751	158	12	any	any	DET
ajis02-751	158	13	sub	sub	NOUN
ajis02-751	158	14	-	-	NOUN
ajis02-751	158	15	dimensions	dimension	NOUN
ajis02-751	158	16	.	.	PUNCT
ajis02-751	159	1	data	datum	NOUN
ajis02-751	159	2	were	be	AUX
ajis02-751	159	3	collected	collect	VERB
ajis02-751	159	4	from	from	ADP
ajis02-751	159	5	the	the	DET
ajis02-751	159	6	respondents	respondent	NOUN
ajis02-751	159	7	who	who	PRON
ajis02-751	159	8	were	be	AUX
ajis02-751	159	9	current	current	ADJ
ajis02-751	159	10	internet	internet	NOUN
ajis02-751	159	11	banking	banking	NOUN
ajis02-751	159	12	users	user	NOUN
ajis02-751	159	13	,	,	PUNCT
ajis02-751	159	14	using	use	VERB
ajis02-751	159	15	the	the	DET
ajis02-751	159	16	aforementioned	aforementioned	ADJ
ajis02-751	159	17	scale	scale	NOUN
ajis02-751	159	18	items	item	NOUN
ajis02-751	159	19	,	,	PUNCT
ajis02-751	159	20	which	which	PRON
ajis02-751	159	21	used	use	VERB
ajis02-751	159	22	a	a	DET
ajis02-751	159	23	six	six	NUM
ajis02-751	159	24	-	-	PUNCT
ajis02-751	159	25	point	point	NOUN
ajis02-751	159	26	likert	likert	ADJ
ajis02-751	159	27	scale	scale	NOUN
ajis02-751	159	28	defined	define	VERB
ajis02-751	159	29	as	as	ADP
ajis02-751	159	30	(	(	PUNCT
ajis02-751	159	31	1	1	NUM
ajis02-751	159	32	)	)	PUNCT
ajis02-751	159	33	strongly	strongly	ADV
ajis02-751	159	34	agree	agree	VERB
ajis02-751	159	35	,	,	PUNCT
ajis02-751	159	36	(	(	PUNCT
ajis02-751	159	37	2	2	X
ajis02-751	159	38	)	)	PUNCT
ajis02-751	159	39	agree	agree	VERB
ajis02-751	159	40	,	,	PUNCT
ajis02-751	159	41	(	(	PUNCT
ajis02-751	159	42	3	3	X
ajis02-751	159	43	)	)	PUNCT
ajis02-751	159	44	neither	neither	CCONJ
ajis02-751	159	45	agree	agree	VERB
ajis02-751	159	46	nor	nor	CCONJ
ajis02-751	159	47	disagree	disagree	VERB
ajis02-751	159	48	,	,	PUNCT
ajis02-751	159	49	(	(	PUNCT
ajis02-751	159	50	4	4	X
ajis02-751	159	51	)	)	PUNCT
ajis02-751	159	52	disagree	disagree	VERB
ajis02-751	159	53	,	,	PUNCT
ajis02-751	159	54	(	(	PUNCT
ajis02-751	159	55	5	5	X
ajis02-751	159	56	)	)	PUNCT
ajis02-751	159	57	strongly	strongly	ADV
ajis02-751	159	58	disagree	disagree	VERB
ajis02-751	159	59	,	,	PUNCT
ajis02-751	159	60	and	and	CCONJ
ajis02-751	159	61	(	(	PUNCT
ajis02-751	159	62	6	6	X
ajis02-751	159	63	)	)	PUNCT
ajis02-751	159	64	unable	unable	ADJ
ajis02-751	159	65	to	to	PART
ajis02-751	159	66	rate	rate	VERB
ajis02-751	159	67	.	.	PUNCT
ajis02-751	160	1	initially	initially	ADV
ajis02-751	160	2	all	all	DET
ajis02-751	160	3	questionnaires	questionnaire	NOUN
ajis02-751	160	4	obtained	obtain	VERB
ajis02-751	160	5	were	be	AUX
ajis02-751	160	6	checked	check	VERB
ajis02-751	160	7	for	for	ADP
ajis02-751	160	8	completeness	completeness	NOUN
ajis02-751	160	9	.	.	PUNCT
ajis02-751	161	1	vetting	vetting	NOUN
ajis02-751	161	2	of	of	ADP
ajis02-751	161	3	the	the	DET
ajis02-751	161	4	questionnaires	questionnaire	NOUN
ajis02-751	161	5	obtained	obtain	VERB
ajis02-751	161	6	was	be	AUX
ajis02-751	161	7	done	do	VERB
ajis02-751	161	8	with	with	ADP
ajis02-751	161	9	the	the	DET
ajis02-751	161	10	objective	objective	NOUN
ajis02-751	161	11	of	of	ADP
ajis02-751	161	12	increasing	increase	VERB
ajis02-751	161	13	accuracy	accuracy	NOUN
ajis02-751	161	14	and	and	CCONJ
ajis02-751	161	15	precision	precision	NOUN
ajis02-751	161	16	.	.	PUNCT
ajis02-751	162	1	vetting	vetting	NOUN
ajis02-751	162	2	was	be	AUX
ajis02-751	162	3	done	do	VERB
ajis02-751	162	4	by	by	ADP
ajis02-751	162	5	screening	screen	VERB
ajis02-751	162	6	the	the	DET
ajis02-751	162	7	questionnaires	questionnaire	NOUN
ajis02-751	162	8	to	to	PART
ajis02-751	162	9	identify	identify	VERB
ajis02-751	162	10	illegible	illegible	ADJ
ajis02-751	162	11	,	,	PUNCT
ajis02-751	162	12	incomplete	incomplete	ADJ
ajis02-751	162	13	,	,	PUNCT
ajis02-751	162	14	inconsistent	inconsistent	ADJ
ajis02-751	162	15	and	and	CCONJ
ajis02-751	162	16	ambiguous	ambiguous	ADJ
ajis02-751	162	17	responses	response	NOUN
ajis02-751	162	18	.	.	PUNCT
ajis02-751	163	1	a	a	DET
ajis02-751	163	2	coding	code	VERB
ajis02-751	163	3	process	process	NOUN
ajis02-751	163	4	was	be	AUX
ajis02-751	163	5	followed	follow	VERB
ajis02-751	163	6	involving	involve	VERB
ajis02-751	163	7	the	the	DET
ajis02-751	163	8	assignment	assignment	NOUN
ajis02-751	163	9	of	of	ADP
ajis02-751	163	10	a	a	DET
ajis02-751	163	11	code	code	NOUN
ajis02-751	163	12	to	to	PART
ajis02-751	163	13	represent	represent	VERB
ajis02-751	163	14	a	a	DET
ajis02-751	163	15	specific	specific	ADJ
ajis02-751	163	16	response	response	NOUN
ajis02-751	163	17	to	to	ADP
ajis02-751	163	18	a	a	DET
ajis02-751	163	19	specific	specific	ADJ
ajis02-751	163	20	question	question	NOUN
ajis02-751	163	21	along	along	ADP
ajis02-751	163	22	with	with	ADP
ajis02-751	163	23	the	the	DET
ajis02-751	163	24	data	data	NOUN
ajis02-751	163	25	record	record	NOUN
ajis02-751	163	26	and	and	CCONJ
ajis02-751	163	27	column	column	NOUN
ajis02-751	163	28	position	position	NOUN
ajis02-751	163	29	that	that	PRON
ajis02-751	163	30	code	code	NOUN
ajis02-751	163	31	will	will	AUX
ajis02-751	163	32	occupy	occupy	VERB
ajis02-751	163	33	.	.	PUNCT
ajis02-751	164	1	whilst	whilst	SCONJ
ajis02-751	164	2	performing	perform	VERB
ajis02-751	164	3	data	datum	NOUN
ajis02-751	164	4	coding	code	VERB
ajis02-751	164	5	it	it	PRON
ajis02-751	164	6	was	be	AUX
ajis02-751	164	7	ensured	ensure	VERB
ajis02-751	164	8	that	that	SCONJ
ajis02-751	164	9	all	all	DET
ajis02-751	164	10	the	the	DET
ajis02-751	164	11	data	datum	NOUN
ajis02-751	164	12	were	be	AUX
ajis02-751	164	13	numeric	numeric	ADJ
ajis02-751	164	14	,	,	PUNCT
ajis02-751	164	15	each	each	DET
ajis02-751	164	16	variable	variable	NOUN
ajis02-751	164	17	for	for	ADP
ajis02-751	164	18	each	each	DET
ajis02-751	164	19	respondent	respondent	NOUN
ajis02-751	164	20	occupied	occupy	VERB
ajis02-751	164	21	the	the	DET
ajis02-751	164	22	same	same	ADJ
ajis02-751	164	23	column	column	NOUN
ajis02-751	164	24	in	in	ADP
ajis02-751	164	25	the	the	DET
ajis02-751	164	26	spss	spss	PROPN
ajis02-751	164	27	data	data	PROPN
ajis02-751	164	28	editor	editor	NOUN
ajis02-751	164	29	,	,	PUNCT
ajis02-751	164	30	all	all	DET
ajis02-751	164	31	the	the	DET
ajis02-751	164	32	codes	code	NOUN
ajis02-751	164	33	assigned	assign	VERB
ajis02-751	164	34	for	for	ADP
ajis02-751	164	35	a	a	DET
ajis02-751	164	36	variable	variable	NOUN
ajis02-751	164	37	were	be	AUX
ajis02-751	164	38	mutually	mutually	ADV
ajis02-751	164	39	exclusive	exclusive	ADJ
ajis02-751	164	40	,	,	PUNCT
ajis02-751	164	41	each	each	DET
ajis02-751	164	42	variable	variable	NOUN
ajis02-751	164	43	was	be	AUX
ajis02-751	164	44	coded	code	VERB
ajis02-751	164	45	in	in	SCONJ
ajis02-751	164	46	order	order	NOUN
ajis02-751	164	47	to	to	PART
ajis02-751	164	48	obtain	obtain	VERB
ajis02-751	164	49	maximum	maximum	ADJ
ajis02-751	164	50	information	information	NOUN
ajis02-751	164	51	and	and	CCONJ
ajis02-751	164	52	coding	code	VERB
ajis02-751	164	53	rules	rule	NOUN
ajis02-751	164	54	were	be	AUX
ajis02-751	164	55	applied	apply	VERB
ajis02-751	164	56	consistently	consistently	ADV
ajis02-751	164	57	for	for	ADP
ajis02-751	164	58	all	all	DET
ajis02-751	164	59	respondents	respondent	NOUN
ajis02-751	164	60	(	(	PUNCT
ajis02-751	164	61	cohen	cohen	NOUN
ajis02-751	164	62	et	et	PROPN
ajis02-751	164	63	al	al	PROPN
ajis02-751	164	64	.	.	PROPN
ajis02-751	164	65	2003	2003	NUM
ajis02-751	164	66	)	)	PUNCT
ajis02-751	164	67	.	.	PUNCT
ajis02-751	165	1	coded	code	VERB
ajis02-751	165	2	data	datum	NOUN
ajis02-751	165	3	were	be	AUX
ajis02-751	165	4	entered	enter	VERB
ajis02-751	165	5	from	from	ADP
ajis02-751	165	6	the	the	DET
ajis02-751	165	7	questionnaires	questionnaire	NOUN
ajis02-751	165	8	to	to	PART
ajis02-751	165	9	spss	spss	VERB
ajis02-751	165	10	17.0	17.0	NUM
ajis02-751	165	11	computer	computer	NOUN
ajis02-751	165	12	program	program	NOUN
ajis02-751	165	13	(	(	PUNCT
ajis02-751	165	14	spss	spss	PROPN
ajis02-751	165	15	2008	2008	NUM
ajis02-751	165	16	)	)	PUNCT
ajis02-751	165	17	.	.	PUNCT
ajis02-751	166	1	the	the	DET
ajis02-751	166	2	spss	spss	PROPN
ajis02-751	166	3	data	data	PROPN
ajis02-751	166	4	records	record	NOUN
ajis02-751	166	5	were	be	AUX
ajis02-751	166	6	checked	check	VERB
ajis02-751	166	7	thoroughly	thoroughly	ADV
ajis02-751	166	8	and	and	CCONJ
ajis02-751	166	9	extensively	extensively	ADV
ajis02-751	166	10	for	for	ADP
ajis02-751	166	11	consistency	consistency	NOUN
ajis02-751	166	12	and	and	CCONJ
ajis02-751	166	13	missing	missing	ADJ
ajis02-751	166	14	responses	response	NOUN
ajis02-751	166	15	as	as	ADP
ajis02-751	166	16	part	part	NOUN
ajis02-751	166	17	of	of	ADP
ajis02-751	166	18	the	the	DET
ajis02-751	166	19	data	datum	NOUN
ajis02-751	166	20	cleaning	cleaning	NOUN
ajis02-751	166	21	process	process	NOUN
ajis02-751	166	22	.	.	PUNCT
ajis02-751	167	1	australasian	australasian	ADJ
ajis02-751	167	2	journal	journal	NOUN
ajis02-751	167	3	of	of	ADP
ajis02-751	167	4	information	information	NOUN
ajis02-751	167	5	systems	system	NOUN
ajis02-751	167	6	volume	volume	NOUN
ajis02-751	167	7	18	18	NUM
ajis02-751	167	8	number1	number1	NOUN
ajis02-751	167	9	2013	2013	NUM
ajis02-751	167	10	13	13	NUM
ajis02-751	167	11	results	result	VERB
ajis02-751	167	12	the	the	DET
ajis02-751	167	13	demographic	demographic	ADJ
ajis02-751	167	14	profile	profile	NOUN
ajis02-751	167	15	of	of	ADP
ajis02-751	167	16	the	the	DET
ajis02-751	167	17	participants	participant	NOUN
ajis02-751	167	18	who	who	PRON
ajis02-751	167	19	responded	respond	VERB
ajis02-751	167	20	to	to	ADP
ajis02-751	167	21	the	the	DET
ajis02-751	167	22	survey	survey	NOUN
ajis02-751	167	23	as	as	ADP
ajis02-751	167	24	internet	internet	NOUN
ajis02-751	167	25	banking	banking	NOUN
ajis02-751	167	26	users	user	NOUN
ajis02-751	167	27	and	and	CCONJ
ajis02-751	167	28	non	non	NOUN
ajis02-751	167	29	-	-	NOUN
ajis02-751	167	30	users	user	NOUN
ajis02-751	167	31	of	of	ADP
ajis02-751	167	32	internet	internet	NOUN
ajis02-751	167	33	banking	banking	NOUN
ajis02-751	167	34	indicated	indicate	VERB
ajis02-751	167	35	that	that	SCONJ
ajis02-751	167	36	there	there	PRON
ajis02-751	167	37	were	be	VERB
ajis02-751	167	38	more	more	ADJ
ajis02-751	167	39	males	male	NOUN
ajis02-751	167	40	(	(	PUNCT
ajis02-751	167	41	53.8	53.8	NUM
ajis02-751	167	42	%	%	NOUN
ajis02-751	167	43	)	)	PUNCT
ajis02-751	167	44	in	in	ADP
ajis02-751	167	45	the	the	DET
ajis02-751	167	46	sample	sample	NOUN
ajis02-751	167	47	of	of	ADP
ajis02-751	167	48	internet	internet	NOUN
ajis02-751	167	49	banking	banking	NOUN
ajis02-751	167	50	users	user	NOUN
ajis02-751	167	51	than	than	ADP
ajis02-751	167	52	females	female	NOUN
ajis02-751	167	53	.	.	PUNCT
ajis02-751	168	1	among	among	ADP
ajis02-751	168	2	the	the	DET
ajis02-751	168	3	non	non	NOUN
ajis02-751	168	4	-	-	NOUN
ajis02-751	168	5	users	user	NOUN
ajis02-751	168	6	of	of	ADP
ajis02-751	168	7	internet	internet	NOUN
ajis02-751	168	8	banking	banking	NOUN
ajis02-751	168	9	there	there	PRON
ajis02-751	168	10	were	be	VERB
ajis02-751	168	11	more	more	ADJ
ajis02-751	168	12	females	female	NOUN
ajis02-751	168	13	(	(	PUNCT
ajis02-751	168	14	65.9	65.9	NUM
ajis02-751	168	15	%	%	NOUN
ajis02-751	168	16	)	)	PUNCT
ajis02-751	168	17	than	than	ADP
ajis02-751	168	18	males	male	NOUN
ajis02-751	168	19	.	.	PUNCT
ajis02-751	169	1	maximum	maximum	ADJ
ajis02-751	169	2	numbers	number	NOUN
ajis02-751	169	3	of	of	ADP
ajis02-751	169	4	the	the	DET
ajis02-751	169	5	respondents	respondent	NOUN
ajis02-751	169	6	identified	identify	VERB
ajis02-751	169	7	were	be	AUX
ajis02-751	169	8	within	within	ADP
ajis02-751	169	9	the	the	DET
ajis02-751	169	10	age	age	NOUN
ajis02-751	169	11	range	range	NOUN
ajis02-751	169	12	of	of	ADP
ajis02-751	169	13	31	31	NUM
ajis02-751	169	14	to	to	PART
ajis02-751	169	15	40	40	NUM
ajis02-751	169	16	years	year	NOUN
ajis02-751	169	17	as	as	SCONJ
ajis02-751	169	18	internet	internet	NOUN
ajis02-751	169	19	banking	banking	NOUN
ajis02-751	169	20	users	user	NOUN
ajis02-751	169	21	and	and	CCONJ
ajis02-751	169	22	non	non	NOUN
ajis02-751	169	23	-	-	NOUN
ajis02-751	169	24	users	user	NOUN
ajis02-751	169	25	represented	represent	VERB
ajis02-751	169	26	as	as	ADP
ajis02-751	169	27	28.2	28.2	NUM
ajis02-751	169	28	%	%	NOUN
ajis02-751	169	29	and	and	CCONJ
ajis02-751	169	30	22.5	22.5	NUM
ajis02-751	169	31	%	%	NOUN
ajis02-751	169	32	respectively	respectively	ADV
ajis02-751	169	33	.	.	PUNCT
ajis02-751	170	1	the	the	DET
ajis02-751	170	2	majority	majority	NOUN
ajis02-751	170	3	of	of	ADP
ajis02-751	170	4	the	the	DET
ajis02-751	170	5	internet	internet	NOUN
ajis02-751	170	6	banking	banking	NOUN
ajis02-751	170	7	users	user	NOUN
ajis02-751	170	8	had	have	AUX
ajis02-751	170	9	attained	attain	VERB
ajis02-751	170	10	a	a	DET
ajis02-751	170	11	higher	high	ADJ
ajis02-751	170	12	education	education	NOUN
ajis02-751	170	13	level	level	NOUN
ajis02-751	170	14	,	,	PUNCT
ajis02-751	170	15	whilst	whilst	SCONJ
ajis02-751	170	16	for	for	ADP
ajis02-751	170	17	the	the	DET
ajis02-751	170	18	majority	majority	NOUN
ajis02-751	170	19	of	of	ADP
ajis02-751	170	20	non	non	NOUN
ajis02-751	170	21	-	-	NOUN
ajis02-751	170	22	users	user	NOUN
ajis02-751	170	23	of	of	ADP
ajis02-751	170	24	internet	internet	NOUN
ajis02-751	170	25	banking	banking	NOUN
ajis02-751	170	26	the	the	DET
ajis02-751	170	27	highest	high	ADJ
ajis02-751	170	28	level	level	NOUN
ajis02-751	170	29	of	of	ADP
ajis02-751	170	30	education	education	NOUN
ajis02-751	170	31	was	be	AUX
ajis02-751	170	32	at	at	ADP
ajis02-751	170	33	the	the	DET
ajis02-751	170	34	vocational	vocational	ADJ
ajis02-751	170	35	education	education	NOUN
ajis02-751	170	36	and	and	CCONJ
ajis02-751	170	37	training	training	NOUN
ajis02-751	170	38	level	level	NOUN
ajis02-751	170	39	(	(	PUNCT
ajis02-751	170	40	45.7	45.7	NUM
ajis02-751	170	41	%	%	NOUN
ajis02-751	170	42	)	)	PUNCT
ajis02-751	170	43	.	.	PUNCT
ajis02-751	171	1	internet	internet	NOUN
ajis02-751	171	2	banking	banking	NOUN
ajis02-751	171	3	users	user	NOUN
ajis02-751	171	4	(	(	PUNCT
ajis02-751	171	5	21.2	21.2	NUM
ajis02-751	171	6	%	%	NOUN
ajis02-751	171	7	)	)	PUNCT
ajis02-751	171	8	were	be	AUX
ajis02-751	171	9	within	within	ADP
ajis02-751	171	10	the	the	DET
ajis02-751	171	11	income	income	NOUN
ajis02-751	171	12	range	range	NOUN
ajis02-751	171	13	of	of	ADP
ajis02-751	171	14	$	$	SYM
ajis02-751	171	15	80	80	NUM
ajis02-751	171	16	001	001	NUM
ajis02-751	171	17	and	and	CCONJ
ajis02-751	171	18	over	over	ADV
ajis02-751	171	19	,	,	PUNCT
ajis02-751	171	20	and	and	CCONJ
ajis02-751	171	21	non	non	NOUN
ajis02-751	171	22	-	-	NOUN
ajis02-751	171	23	users	user	NOUN
ajis02-751	171	24	of	of	ADP
ajis02-751	171	25	internet	internet	NOUN
ajis02-751	171	26	banking	banking	NOUN
ajis02-751	171	27	(	(	PUNCT
ajis02-751	171	28	28.6	28.6	NUM
ajis02-751	171	29	%	%	NOUN
ajis02-751	171	30	)	)	PUNCT
ajis02-751	171	31	were	be	AUX
ajis02-751	171	32	within	within	ADP
ajis02-751	171	33	the	the	DET
ajis02-751	171	34	income	income	NOUN
ajis02-751	171	35	range	range	NOUN
ajis02-751	171	36	of	of	ADP
ajis02-751	171	37	$	$	SYM
ajis02-751	171	38	50	50	NUM
ajis02-751	171	39	001$65	001$65	NUM
ajis02-751	171	40	000	000	NUM
ajis02-751	171	41	.	.	PUNCT
ajis02-751	172	1	most	most	ADJ
ajis02-751	172	2	internet	internet	NOUN
ajis02-751	172	3	banking	banking	NOUN
ajis02-751	172	4	users	user	NOUN
ajis02-751	172	5	were	be	AUX
ajis02-751	172	6	of	of	ADP
ajis02-751	172	7	asian	asian	ADJ
ajis02-751	172	8	ethnicity	ethnicity	NOUN
ajis02-751	172	9	(	(	PUNCT
ajis02-751	172	10	23.7	23.7	NUM
ajis02-751	172	11	%	%	NOUN
ajis02-751	172	12	)	)	PUNCT
ajis02-751	172	13	and	and	CCONJ
ajis02-751	172	14	most	most	ADJ
ajis02-751	172	15	non	non	NOUN
ajis02-751	172	16	-	-	NOUN
ajis02-751	172	17	users	user	NOUN
ajis02-751	172	18	were	be	AUX
ajis02-751	172	19	anglo	anglo	ADJ
ajis02-751	172	20	-	-	PUNCT
ajis02-751	172	21	australians	australian	NOUN
ajis02-751	172	22	(	(	PUNCT
ajis02-751	172	23	22.8	22.8	NUM
ajis02-751	172	24	%	%	NOUN
ajis02-751	172	25	)	)	PUNCT
ajis02-751	172	26	in	in	ADP
ajis02-751	172	27	the	the	DET
ajis02-751	172	28	sample	sample	NOUN
ajis02-751	172	29	.	.	PUNCT
ajis02-751	173	1	maximum	maximum	ADJ
ajis02-751	173	2	numbers	number	NOUN
ajis02-751	173	3	of	of	ADP
ajis02-751	173	4	the	the	DET
ajis02-751	173	5	respondents	respondent	NOUN
ajis02-751	173	6	as	as	ADP
ajis02-751	173	7	internet	internet	NOUN
ajis02-751	173	8	banking	banking	NOUN
ajis02-751	173	9	users	user	NOUN
ajis02-751	173	10	were	be	AUX
ajis02-751	173	11	derived	derive	VERB
ajis02-751	173	12	from	from	ADP
ajis02-751	173	13	the	the	DET
ajis02-751	173	14	managerial	managerial	ADJ
ajis02-751	173	15	occupation	occupation	NOUN
ajis02-751	173	16	(	(	PUNCT
ajis02-751	173	17	30.1	30.1	NUM
ajis02-751	173	18	%	%	NOUN
ajis02-751	173	19	)	)	PUNCT
ajis02-751	173	20	.	.	PUNCT
ajis02-751	174	1	the	the	DET
ajis02-751	174	2	maximum	maximum	ADJ
ajis02-751	174	3	number	number	NOUN
ajis02-751	174	4	of	of	ADP
ajis02-751	174	5	respondents	respondent	NOUN
ajis02-751	174	6	as	as	SCONJ
ajis02-751	174	7	internet	internet	NOUN
ajis02-751	174	8	banking	banking	NOUN
ajis02-751	174	9	non	non	NOUN
ajis02-751	174	10	-	-	NOUN
ajis02-751	174	11	users	user	NOUN
ajis02-751	174	12	was	be	AUX
ajis02-751	174	13	reported	report	VERB
ajis02-751	174	14	from	from	ADP
ajis02-751	174	15	the	the	DET
ajis02-751	174	16	managerial	managerial	NOUN
ajis02-751	174	17	(	(	PUNCT
ajis02-751	174	18	18.6	18.6	NUM
ajis02-751	174	19	%	%	NOUN
ajis02-751	174	20	)	)	PUNCT
ajis02-751	174	21	and	and	CCONJ
ajis02-751	174	22	administration	administration	NOUN
ajis02-751	174	23	(	(	PUNCT
ajis02-751	174	24	18.3	18.3	NUM
ajis02-751	174	25	%	%	NOUN
ajis02-751	174	26	)	)	PUNCT
ajis02-751	174	27	categories	category	NOUN
ajis02-751	174	28	.	.	PUNCT
ajis02-751	175	1	exploratory	exploratory	ADJ
ajis02-751	175	2	factor	factor	NOUN
ajis02-751	175	3	analysis	analysis	NOUN
ajis02-751	175	4	was	be	AUX
ajis02-751	175	5	performed	perform	VERB
ajis02-751	175	6	using	use	VERB
ajis02-751	175	7	principal	principal	ADJ
ajis02-751	175	8	components	component	NOUN
ajis02-751	175	9	and	and	CCONJ
ajis02-751	175	10	promax	promax	PROPN
ajis02-751	175	11	rotation	rotation	NOUN
ajis02-751	175	12	.	.	PUNCT
ajis02-751	176	1	certain	certain	ADJ
ajis02-751	176	2	scale	scale	NOUN
ajis02-751	176	3	items	item	NOUN
ajis02-751	176	4	were	be	AUX
ajis02-751	176	5	deleted	delete	VERB
ajis02-751	176	6	from	from	ADP
ajis02-751	176	7	entering	enter	VERB
ajis02-751	176	8	further	further	ADJ
ajis02-751	176	9	analysis	analysis	NOUN
ajis02-751	176	10	as	as	SCONJ
ajis02-751	176	11	they	they	PRON
ajis02-751	176	12	did	do	AUX
ajis02-751	176	13	not	not	PART
ajis02-751	176	14	meet	meet	VERB
ajis02-751	176	15	the	the	DET
ajis02-751	176	16	essential	essential	ADJ
ajis02-751	176	17	criteria	criterion	NOUN
ajis02-751	176	18	such	such	ADJ
ajis02-751	176	19	as	as	ADP
ajis02-751	176	20	low	low	ADJ
ajis02-751	176	21	factor	factor	NOUN
ajis02-751	176	22	loading	loading	NOUN
ajis02-751	176	23	values	value	NOUN
ajis02-751	176	24	,	,	PUNCT
ajis02-751	176	25	less	less	ADJ
ajis02-751	176	26	eigenvalues	eigenvalue	NOUN
ajis02-751	176	27	or	or	CCONJ
ajis02-751	176	28	low	low	ADJ
ajis02-751	176	29	item	item	NOUN
ajis02-751	176	30	-	-	PUNCT
ajis02-751	176	31	to	to	ADP
ajis02-751	176	32	-	-	PUNCT
ajis02-751	176	33	total	total	NOUN
ajis02-751	176	34	correlations	correlation	NOUN
ajis02-751	176	35	(	(	PUNCT
ajis02-751	176	36	hair	hair	NOUN
ajis02-751	176	37	et	et	PROPN
ajis02-751	176	38	al	al	PROPN
ajis02-751	176	39	.	.	PROPN
ajis02-751	176	40	2006	2006	NUM
ajis02-751	176	41	)	)	PUNCT
ajis02-751	176	42	.	.	PUNCT
ajis02-751	177	1	the	the	DET
ajis02-751	177	2	log	log	NOUN
ajis02-751	177	3	transformed	transform	VERB
ajis02-751	177	4	scale	scale	NOUN
ajis02-751	177	5	items	item	NOUN
ajis02-751	177	6	‘	'	PUNCT
ajis02-751	177	7	internet	internet	NOUN
ajis02-751	177	8	banking	banking	NOUN
ajis02-751	177	9	can	can	AUX
ajis02-751	177	10	be	be	AUX
ajis02-751	177	11	frustrating	frustrating	ADJ
ajis02-751	177	12	(	(	PUNCT
ajis02-751	177	13	ltd5	ltd5	PROPN
ajis02-751	177	14	)	)	PUNCT
ajis02-751	177	15	’	'	PUNCT
ajis02-751	177	16	,	,	PUNCT
ajis02-751	177	17	‘	'	PUNCT
ajis02-751	177	18	internet	internet	NOUN
ajis02-751	177	19	banking	banking	NOUN
ajis02-751	177	20	is	be	AUX
ajis02-751	177	21	an	an	DET
ajis02-751	177	22	easy	easy	ADJ
ajis02-751	177	23	way	way	NOUN
ajis02-751	177	24	to	to	PART
ajis02-751	177	25	conduct	conduct	VERB
ajis02-751	177	26	banking	banking	NOUN
ajis02-751	177	27	transactions	transaction	NOUN
ajis02-751	177	28	(	(	PUNCT
ajis02-751	177	29	ltd11	ltd11	NOUN
ajis02-751	177	30	)	)	PUNCT
ajis02-751	177	31	’	'	PUNCT
ajis02-751	177	32	,	,	PUNCT
ajis02-751	177	33	and	and	CCONJ
ajis02-751	177	34	‘	'	PUNCT
ajis02-751	177	35	i	i	PRON
ajis02-751	177	36	would	would	AUX
ajis02-751	177	37	have	have	VERB
ajis02-751	177	38	difficulty	difficulty	NOUN
ajis02-751	177	39	explaining	explain	VERB
ajis02-751	177	40	to	to	ADP
ajis02-751	177	41	others	other	NOUN
ajis02-751	177	42	why	why	SCONJ
ajis02-751	177	43	using	use	VERB
ajis02-751	177	44	internet	internet	NOUN
ajis02-751	177	45	banking	banking	NOUN
ajis02-751	177	46	may	may	AUX
ajis02-751	177	47	be	be	AUX
ajis02-751	177	48	beneficial	beneficial	ADJ
ajis02-751	177	49	(	(	PUNCT
ajis02-751	177	50	ltd17	ltd17	NOUN
ajis02-751	177	51	)	)	PUNCT
ajis02-751	177	52	’	'	PUNCT
ajis02-751	177	53	of	of	ADP
ajis02-751	177	54	technology	technology	NOUN
ajis02-751	177	55	factors	factor	NOUN
ajis02-751	177	56	were	be	AUX
ajis02-751	177	57	deleted	delete	VERB
ajis02-751	177	58	from	from	ADP
ajis02-751	177	59	the	the	DET
ajis02-751	177	60	original	original	ADJ
ajis02-751	177	61	scale	scale	NOUN
ajis02-751	177	62	due	due	ADP
ajis02-751	177	63	to	to	ADP
ajis02-751	177	64	the	the	DET
ajis02-751	177	65	presence	presence	NOUN
ajis02-751	177	66	of	of	ADP
ajis02-751	177	67	factor	factor	NOUN
ajis02-751	177	68	loadings	loading	NOUN
ajis02-751	177	69	with	with	ADP
ajis02-751	177	70	an	an	DET
ajis02-751	177	71	absolute	absolute	ADJ
ajis02-751	177	72	value	value	NOUN
ajis02-751	177	73	of	of	ADP
ajis02-751	177	74	less	less	ADJ
ajis02-751	177	75	than	than	ADP
ajis02-751	177	76	0.4	0.4	NUM
ajis02-751	177	77	.	.	PUNCT
ajis02-751	178	1	similarly	similarly	ADV
ajis02-751	178	2	,	,	PUNCT
ajis02-751	178	3	the	the	DET
ajis02-751	178	4	scale	scale	NOUN
ajis02-751	178	5	item	item	NOUN
ajis02-751	178	6	‘	'	PUNCT
ajis02-751	178	7	performing	perform	VERB
ajis02-751	178	8	internet	internet	NOUN
ajis02-751	178	9	banking	banking	NOUN
ajis02-751	178	10	transactions	transaction	NOUN
ajis02-751	178	11	makes	make	VERB
ajis02-751	178	12	me	i	PRON
ajis02-751	178	13	feel	feel	VERB
ajis02-751	178	14	psychologically	psychologically	ADV
ajis02-751	178	15	uncomfortable	uncomfortable	ADJ
ajis02-751	178	16	(	(	PUNCT
ajis02-751	178	17	lcd8	lcd8	NOUN
ajis02-751	178	18	)	)	PUNCT
ajis02-751	178	19	’	'	PUNCT
ajis02-751	178	20	was	be	AUX
ajis02-751	178	21	deleted	delete	VERB
ajis02-751	178	22	from	from	ADP
ajis02-751	178	23	the	the	DET
ajis02-751	178	24	channel	channel	NOUN
ajis02-751	178	25	factors	factor	NOUN
ajis02-751	178	26	due	due	ADJ
ajis02-751	178	27	to	to	ADP
ajis02-751	178	28	the	the	DET
ajis02-751	178	29	presence	presence	NOUN
ajis02-751	178	30	of	of	ADP
ajis02-751	178	31	low	low	ADJ
ajis02-751	178	32	loading	loading	NOUN
ajis02-751	178	33	values	value	NOUN
ajis02-751	178	34	.	.	PUNCT
ajis02-751	179	1	a	a	DET
ajis02-751	179	2	refined	refine	VERB
ajis02-751	179	3	exploratory	exploratory	ADJ
ajis02-751	179	4	factor	factor	NOUN
ajis02-751	179	5	analysis	analysis	NOUN
ajis02-751	179	6	was	be	AUX
ajis02-751	179	7	performed	perform	VERB
ajis02-751	179	8	excluding	exclude	VERB
ajis02-751	179	9	the	the	DET
ajis02-751	179	10	scale	scale	NOUN
ajis02-751	179	11	items	item	NOUN
ajis02-751	179	12	that	that	PRON
ajis02-751	179	13	did	do	AUX
ajis02-751	179	14	not	not	PART
ajis02-751	179	15	satisfy	satisfy	VERB
ajis02-751	179	16	the	the	DET
ajis02-751	179	17	assumptions	assumption	NOUN
ajis02-751	179	18	of	of	ADP
ajis02-751	179	19	the	the	DET
ajis02-751	179	20	exploratory	exploratory	ADJ
ajis02-751	179	21	factor	factor	NOUN
ajis02-751	179	22	analysis	analysis	NOUN
ajis02-751	179	23	.	.	PUNCT
ajis02-751	180	1	principal	principal	ADJ
ajis02-751	180	2	component	component	NOUN
ajis02-751	180	3	analysis	analysis	NOUN
ajis02-751	180	4	output	output	NOUN
ajis02-751	180	5	for	for	ADP
ajis02-751	180	6	the	the	DET
ajis02-751	180	7	technology	technology	NOUN
ajis02-751	180	8	factors	factor	VERB
ajis02-751	180	9	the	the	DET
ajis02-751	180	10	principal	principal	ADJ
ajis02-751	180	11	component	component	NOUN
ajis02-751	180	12	analysis	analysis	NOUN
ajis02-751	180	13	method	method	NOUN
ajis02-751	180	14	and	and	CCONJ
ajis02-751	180	15	a	a	DET
ajis02-751	180	16	promax	promax	NOUN
ajis02-751	180	17	rotation	rotation	NOUN
ajis02-751	180	18	of	of	ADP
ajis02-751	180	19	the	the	DET
ajis02-751	180	20	technology	technology	NOUN
ajis02-751	180	21	determinants	determinant	NOUN
ajis02-751	180	22	constituting	constitute	VERB
ajis02-751	180	23	fourteen	fourteen	NUM
ajis02-751	180	24	scale	scale	NOUN
ajis02-751	180	25	items	item	NOUN
ajis02-751	180	26	was	be	AUX
ajis02-751	180	27	conducted	conduct	VERB
ajis02-751	180	28	on	on	ADP
ajis02-751	180	29	a	a	DET
ajis02-751	180	30	random	random	ADJ
ajis02-751	180	31	sample	sample	NOUN
ajis02-751	180	32	(	(	PUNCT
ajis02-751	180	33	n	n	NOUN
ajis02-751	180	34	=	=	SYM
ajis02-751	180	35	372	372	NUM
ajis02-751	180	36	)	)	PUNCT
ajis02-751	180	37	of	of	ADP
ajis02-751	180	38	australian	australian	ADJ
ajis02-751	180	39	internet	internet	NOUN
ajis02-751	180	40	banking	banking	NOUN
ajis02-751	180	41	users	user	NOUN
ajis02-751	180	42	and	and	CCONJ
ajis02-751	180	43	is	be	AUX
ajis02-751	180	44	presented	present	VERB
ajis02-751	180	45	in	in	ADP
ajis02-751	180	46	table	table	NOUN
ajis02-751	180	47	i.	i.	PROPN
ajis02-751	180	48	a	a	DET
ajis02-751	180	49	two	two	NUM
ajis02-751	180	50	-	-	PUNCT
ajis02-751	180	51	component	component	NOUN
ajis02-751	180	52	solution	solution	NOUN
ajis02-751	180	53	provided	provide	VERB
ajis02-751	180	54	the	the	DET
ajis02-751	180	55	clearest	clear	ADJ
ajis02-751	180	56	extraction	extraction	NOUN
ajis02-751	180	57	,	,	PUNCT
ajis02-751	180	58	using	use	VERB
ajis02-751	180	59	the	the	DET
ajis02-751	180	60	kaiser	kaiser	NOUN
ajis02-751	180	61	-	-	PUNCT
ajis02-751	180	62	guttman	guttman	NOUN
ajis02-751	180	63	retention	retention	NOUN
ajis02-751	180	64	criterion	criterion	NOUN
ajis02-751	180	65	of	of	ADP
ajis02-751	180	66	eigenvalues	eigenvalue	NOUN
ajis02-751	180	67	of	of	ADP
ajis02-751	180	68	more	more	ADJ
ajis02-751	180	69	than	than	ADP
ajis02-751	180	70	one	one	NUM
ajis02-751	180	71	.	.	PUNCT
ajis02-751	181	1	the	the	DET
ajis02-751	181	2	component	component	NOUN
ajis02-751	181	3	correlation	correlation	NOUN
ajis02-751	181	4	matrix	matrix	NOUN
ajis02-751	181	5	indicates	indicate	VERB
ajis02-751	181	6	that	that	SCONJ
ajis02-751	181	7	the	the	DET
ajis02-751	181	8	two	two	NUM
ajis02-751	181	9	components	component	NOUN
ajis02-751	181	10	emerged	emerge	VERB
ajis02-751	181	11	from	from	ADP
ajis02-751	181	12	the	the	DET
ajis02-751	181	13	technology	technology	NOUN
ajis02-751	181	14	factors	factor	NOUN
ajis02-751	181	15	to	to	PART
ajis02-751	181	16	be	be	AUX
ajis02-751	181	17	positively	positively	ADV
ajis02-751	181	18	correlated	correlate	VERB
ajis02-751	181	19	(	(	PUNCT
ajis02-751	181	20	0.42	0.42	NUM
ajis02-751	181	21	)	)	PUNCT
ajis02-751	181	22	at	at	ADP
ajis02-751	181	23	a	a	DET
ajis02-751	181	24	moderate	moderate	ADJ
ajis02-751	181	25	level	level	NOUN
ajis02-751	181	26	,	,	PUNCT
ajis02-751	181	27	are	be	AUX
ajis02-751	181	28	fairly	fairly	ADV
ajis02-751	181	29	well	well	ADV
ajis02-751	181	30	discriminated	discriminate	VERB
ajis02-751	181	31	and	and	CCONJ
ajis02-751	181	32	accounted	account	VERB
ajis02-751	181	33	for	for	ADP
ajis02-751	181	34	38.23	38.23	NUM
ajis02-751	181	35	percent	percent	NOUN
ajis02-751	181	36	of	of	ADP
ajis02-751	181	37	the	the	DET
ajis02-751	181	38	total	total	ADJ
ajis02-751	181	39	variance	variance	NOUN
ajis02-751	181	40	.	.	PUNCT
ajis02-751	182	1	table	table	NOUN
ajis02-751	182	2	i	i	PRON
ajis02-751	182	3	presents	present	VERB
ajis02-751	182	4	the	the	DET
ajis02-751	182	5	fourteen	fourteen	NUM
ajis02-751	182	6	scale	scale	NOUN
ajis02-751	182	7	items	item	NOUN
ajis02-751	182	8	,	,	PUNCT
ajis02-751	182	9	communality	communality	NOUN
ajis02-751	182	10	estimates	estimate	NOUN
ajis02-751	182	11	and	and	CCONJ
ajis02-751	182	12	eigenvalues	eigenvalue	NOUN
ajis02-751	182	13	.	.	PUNCT
ajis02-751	183	1	the	the	DET
ajis02-751	183	2	two	two	NUM
ajis02-751	183	3	technology	technology	NOUN
ajis02-751	183	4	factors	factor	NOUN
ajis02-751	183	5	components	component	NOUN
ajis02-751	183	6	were	be	AUX
ajis02-751	183	7	labelled	label	VERB
ajis02-751	183	8	based	base	VERB
ajis02-751	183	9	on	on	ADP
ajis02-751	183	10	a	a	DET
ajis02-751	183	11	review	review	NOUN
ajis02-751	183	12	of	of	ADP
ajis02-751	183	13	the	the	DET
ajis02-751	183	14	thematic	thematic	ADJ
ajis02-751	183	15	content	content	NOUN
ajis02-751	183	16	of	of	ADP
ajis02-751	183	17	the	the	DET
ajis02-751	183	18	different	different	ADJ
ajis02-751	183	19	items	item	NOUN
ajis02-751	183	20	of	of	ADP
ajis02-751	183	21	their	their	PRON
ajis02-751	183	22	defining	define	VERB
ajis02-751	183	23	items	item	NOUN
ajis02-751	183	24	.	.	PUNCT
ajis02-751	184	1	‘	'	PUNCT
ajis02-751	184	2	perceived	perceive	VERB
ajis02-751	184	3	usability	usability	NOUN
ajis02-751	184	4	’	'	PUNCT
ajis02-751	184	5	component	component	NOUN
ajis02-751	184	6	consists	consist	VERB
ajis02-751	184	7	of	of	ADP
ajis02-751	184	8	items	item	NOUN
ajis02-751	184	9	relating	relate	VERB
ajis02-751	184	10	to	to	ADP
ajis02-751	184	11	the	the	DET
ajis02-751	184	12	consumer	consumer	NOUN
ajis02-751	184	13	’s	’s	PART
ajis02-751	184	14	extent	extent	NOUN
ajis02-751	184	15	of	of	ADP
ajis02-751	184	16	ease	ease	NOUN
ajis02-751	184	17	and	and	CCONJ
ajis02-751	184	18	convenience	convenience	NOUN
ajis02-751	184	19	with	with	ADP
ajis02-751	184	20	internet	internet	NOUN
ajis02-751	184	21	banking	banking	NOUN
ajis02-751	184	22	,	,	PUNCT
ajis02-751	184	23	compatibility	compatibility	NOUN
ajis02-751	184	24	with	with	ADP
ajis02-751	184	25	their	their	PRON
ajis02-751	184	26	personal	personal	ADJ
ajis02-751	184	27	and	and	CCONJ
ajis02-751	184	28	professional	professional	ADJ
ajis02-751	184	29	lifestyles	lifestyle	NOUN
ajis02-751	184	30	and	and	CCONJ
ajis02-751	184	31	the	the	DET
ajis02-751	184	32	extent	extent	NOUN
ajis02-751	184	33	to	to	PART
ajis02-751	184	34	which	which	PRON
ajis02-751	184	35	they	they	PRON
ajis02-751	184	36	could	could	AUX
ajis02-751	184	37	communicate	communicate	VERB
ajis02-751	184	38	the	the	DET
ajis02-751	184	39	benefits	benefit	NOUN
ajis02-751	184	40	of	of	ADP
ajis02-751	184	41	internet	internet	NOUN
ajis02-751	184	42	banking	banking	NOUN
ajis02-751	184	43	usage	usage	NOUN
ajis02-751	184	44	to	to	ADP
ajis02-751	184	45	others	other	NOUN
ajis02-751	184	46	.	.	PUNCT
ajis02-751	185	1	‘	'	PUNCT
ajis02-751	185	2	perceived	perceive	VERB
ajis02-751	185	3	trialability	trialability	NOUN
ajis02-751	185	4	’	'	PUNCT
ajis02-751	185	5	component	component	NOUN
ajis02-751	185	6	relates	relate	VERB
ajis02-751	185	7	to	to	ADP
ajis02-751	185	8	the	the	DET
ajis02-751	185	9	extent	extent	NOUN
ajis02-751	185	10	to	to	PART
ajis02-751	185	11	which	which	PRON
ajis02-751	185	12	customers	customer	NOUN
ajis02-751	185	13	can	can	AUX
ajis02-751	185	14	actually	actually	ADV
ajis02-751	185	15	try	try	VERB
ajis02-751	185	16	internet	internet	NOUN
ajis02-751	185	17	banking	banking	NOUN
ajis02-751	185	18	or	or	CCONJ
ajis02-751	185	19	any	any	DET
ajis02-751	185	20	add	add	NOUN
ajis02-751	185	21	on	on	ADP
ajis02-751	185	22	features	feature	NOUN
ajis02-751	185	23	with	with	ADP
ajis02-751	185	24	regard	regard	NOUN
ajis02-751	185	25	to	to	ADP
ajis02-751	185	26	internet	internet	NOUN
ajis02-751	185	27	banking	banking	NOUN
ajis02-751	185	28	on	on	ADP
ajis02-751	185	29	a	a	DET
ajis02-751	185	30	limited	limited	ADJ
ajis02-751	185	31	basis	basis	NOUN
ajis02-751	185	32	before	before	SCONJ
ajis02-751	185	33	they	they	PRON
ajis02-751	185	34	actually	actually	ADV
ajis02-751	185	35	consume	consume	VERB
ajis02-751	185	36	the	the	DET
ajis02-751	185	37	service	service	NOUN
ajis02-751	185	38	.	.	PUNCT
ajis02-751	186	1	australasian	australasian	ADJ
ajis02-751	186	2	journal	journal	NOUN
ajis02-751	186	3	of	of	ADP
ajis02-751	186	4	information	information	NOUN
ajis02-751	186	5	systems	system	NOUN
ajis02-751	186	6	volume	volume	NOUN
ajis02-751	186	7	18	18	NUM
ajis02-751	186	8	number1	number1	NOUN
ajis02-751	186	9	2013	2013	NUM
ajis02-751	186	10	14	14	NUM
ajis02-751	186	11	scale	scale	NOUN
ajis02-751	186	12	items	item	NOUN
ajis02-751	186	13	factors	factor	VERB
ajis02-751	186	14	1	1	NUM
ajis02-751	186	15	2	2	NUM
ajis02-751	186	16	ltd3	ltd3	NOUN
ajis02-751	186	17	internet	internet	NOUN
ajis02-751	186	18	banking	banking	NOUN
ajis02-751	186	19	allows	allow	VERB
ajis02-751	186	20	me	i	PRON
ajis02-751	186	21	to	to	PART
ajis02-751	186	22	manage	manage	VERB
ajis02-751	186	23	my	my	PRON
ajis02-751	186	24	finances	finance	NOUN
ajis02-751	186	25	more	more	ADV
ajis02-751	186	26	efficiently	efficiently	ADV
ajis02-751	186	27	0.71	0.71	NUM
ajis02-751	186	28	ltd2	ltd2	PROPN
ajis02-751	186	29	internet	internet	NOUN
ajis02-751	186	30	banking	banking	NOUN
ajis02-751	186	31	gives	give	VERB
ajis02-751	186	32	me	i	PRON
ajis02-751	186	33	greater	great	ADJ
ajis02-751	186	34	control	control	NOUN
ajis02-751	186	35	over	over	ADP
ajis02-751	186	36	my	my	PRON
ajis02-751	186	37	finances	finance	NOUN
ajis02-751	186	38	0.70	0.70	NUM
ajis02-751	186	39	ltd6	ltd6	NOUN
ajis02-751	186	40	internet	internet	NOUN
ajis02-751	186	41	banking	banking	NOUN
ajis02-751	186	42	is	be	AUX
ajis02-751	186	43	compatible	compatible	ADJ
ajis02-751	186	44	with	with	ADP
ajis02-751	186	45	my	my	PRON
ajis02-751	186	46	lifestyle	lifestyle	NOUN
ajis02-751	186	47	0.70	0.70	NUM
ajis02-751	186	48	ltd7	ltd7	NOUN
ajis02-751	186	49	using	use	VERB
ajis02-751	186	50	internet	internet	NOUN
ajis02-751	186	51	banking	banking	NOUN
ajis02-751	186	52	fits	fit	VERB
ajis02-751	186	53	well	well	ADV
ajis02-751	186	54	with	with	ADP
ajis02-751	186	55	the	the	DET
ajis02-751	186	56	way	way	NOUN
ajis02-751	186	57	i	i	PRON
ajis02-751	186	58	like	like	VERB
ajis02-751	186	59	to	to	PART
ajis02-751	186	60	manage	manage	VERB
ajis02-751	186	61	my	my	PRON
ajis02-751	186	62	finances	finance	NOUN
ajis02-751	186	63	0.68	0.68	NUM
ajis02-751	186	64	ltd4	ltd4	PROPN
ajis02-751	186	65	internet	internet	NOUN
ajis02-751	186	66	banking	banking	NOUN
ajis02-751	186	67	is	be	AUX
ajis02-751	186	68	a	a	DET
ajis02-751	186	69	convenient	convenient	ADJ
ajis02-751	186	70	way	way	NOUN
ajis02-751	186	71	to	to	PART
ajis02-751	186	72	manage	manage	VERB
ajis02-751	186	73	my	my	PRON
ajis02-751	186	74	finances	finance	NOUN
ajis02-751	186	75	0.67	0.67	NUM
ajis02-751	186	76	ltd8	ltd8	NOUN
ajis02-751	186	77	using	use	VERB
ajis02-751	186	78	the	the	DET
ajis02-751	186	79	internet	internet	NOUN
ajis02-751	186	80	to	to	PART
ajis02-751	186	81	conduct	conduct	VERB
ajis02-751	186	82	banking	banking	NOUN
ajis02-751	186	83	transactions	transaction	NOUN
ajis02-751	186	84	fits	fit	VERB
ajis02-751	186	85	into	into	ADP
ajis02-751	186	86	my	my	PRON
ajis02-751	186	87	working	work	VERB
ajis02-751	186	88	style	style	NOUN
ajis02-751	186	89	0.65	0.65	NUM
ajis02-751	186	90	ltd10	ltd10	PROPN
ajis02-751	186	91	internet	internet	NOUN
ajis02-751	186	92	banking	banking	NOUN
ajis02-751	186	93	is	be	AUX
ajis02-751	186	94	useful	useful	ADJ
ajis02-751	186	95	for	for	ADP
ajis02-751	186	96	managing	manage	VERB
ajis02-751	186	97	my	my	PRON
ajis02-751	186	98	financial	financial	ADJ
ajis02-751	186	99	resources	resource	NOUN
ajis02-751	186	100	0.53	0.53	NUM
ajis02-751	186	101	ltd1	ltd1	PROPN
ajis02-751	186	102	internet	internet	NOUN
ajis02-751	186	103	banking	banking	NOUN
ajis02-751	186	104	makes	make	VERB
ajis02-751	186	105	it	it	PRON
ajis02-751	186	106	easier	easy	ADJ
ajis02-751	186	107	for	for	SCONJ
ajis02-751	186	108	me	i	PRON
ajis02-751	186	109	to	to	PART
ajis02-751	186	110	conduct	conduct	VERB
ajis02-751	186	111	my	my	PRON
ajis02-751	186	112	banking	banking	NOUN
ajis02-751	186	113	transactions	transaction	NOUN
ajis02-751	187	1	0.51	0.51	NUM
ajis02-751	187	2	ltd16	ltd16	PROPN
ajis02-751	188	1	i	i	PRON
ajis02-751	188	2	believe	believe	VERB
ajis02-751	188	3	i	i	PRON
ajis02-751	188	4	could	could	AUX
ajis02-751	188	5	communicate	communicate	VERB
ajis02-751	188	6	to	to	ADP
ajis02-751	188	7	others	other	NOUN
ajis02-751	188	8	the	the	DET
ajis02-751	188	9	consequences	consequence	NOUN
ajis02-751	188	10	of	of	ADP
ajis02-751	188	11	using	use	VERB
ajis02-751	188	12	internet	internet	NOUN
ajis02-751	188	13	banking	banking	NOUN
ajis02-751	188	14	0.46	0.46	NUM
ajis02-751	188	15	ltd17	ltd17	NOUN
ajis02-751	188	16	i	i	PRON
ajis02-751	188	17	would	would	AUX
ajis02-751	188	18	have	have	VERB
ajis02-751	188	19	no	no	DET
ajis02-751	188	20	difficulty	difficulty	NOUN
ajis02-751	188	21	explaining	explain	VERB
ajis02-751	188	22	to	to	ADP
ajis02-751	188	23	others	other	NOUN
ajis02-751	188	24	why	why	SCONJ
ajis02-751	188	25	using	use	VERB
ajis02-751	188	26	internet	internet	NOUN
ajis02-751	188	27	banking	banking	NOUN
ajis02-751	188	28	may	may	AUX
ajis02-751	188	29	be	be	AUX
ajis02-751	188	30	beneficial	beneficial	ADJ
ajis02-751	188	31	0.41	0.41	NUM
ajis02-751	188	32	ltd9	ltd9	NOUN
ajis02-751	188	33	internet	internet	NOUN
ajis02-751	188	34	banking	banking	NOUN
ajis02-751	188	35	does	do	AUX
ajis02-751	188	36	not	not	PART
ajis02-751	188	37	require	require	VERB
ajis02-751	188	38	a	a	DET
ajis02-751	188	39	lot	lot	NOUN
ajis02-751	188	40	of	of	ADP
ajis02-751	188	41	mental	mental	ADJ
ajis02-751	188	42	effort	effort	NOUN
ajis02-751	188	43	0.45	0.45	NUM
ajis02-751	188	44	ltd12	ltd12	VERB
ajis02-751	188	45	prior	prior	ADV
ajis02-751	188	46	to	to	ADP
ajis02-751	188	47	the	the	DET
ajis02-751	188	48	actual	actual	ADJ
ajis02-751	188	49	adoption	adoption	NOUN
ajis02-751	188	50	,	,	PUNCT
ajis02-751	188	51	internet	internet	NOUN
ajis02-751	188	52	banking	banking	NOUN
ajis02-751	188	53	is	be	AUX
ajis02-751	188	54	available	available	ADJ
ajis02-751	188	55	for	for	SCONJ
ajis02-751	188	56	me	i	PRON
ajis02-751	188	57	to	to	PART
ajis02-751	188	58	use	use	VERB
ajis02-751	188	59	on	on	ADP
ajis02-751	188	60	a	a	DET
ajis02-751	188	61	trial	trial	NOUN
ajis02-751	188	62	basis	basis	NOUN
ajis02-751	188	63	0.84	0.84	NUM
ajis02-751	188	64	ltd14	ltd14	VERB
ajis02-751	188	65	i	i	PRON
ajis02-751	188	66	have	have	VERB
ajis02-751	188	67	a	a	DET
ajis02-751	188	68	great	great	ADJ
ajis02-751	188	69	deal	deal	NOUN
ajis02-751	188	70	of	of	ADP
ajis02-751	188	71	opportunity	opportunity	NOUN
ajis02-751	188	72	to	to	PART
ajis02-751	188	73	try	try	VERB
ajis02-751	188	74	internet	internet	NOUN
ajis02-751	188	75	banking	banking	NOUN
ajis02-751	188	76	before	before	ADP
ajis02-751	188	77	the	the	DET
ajis02-751	188	78	actual	actual	ADJ
ajis02-751	188	79	adoption	adoption	NOUN
ajis02-751	188	80	0.79	0.79	NUM
ajis02-751	188	81	ltd13	ltd13	PROPN
ajis02-751	188	82	i	i	PRON
ajis02-751	188	83	am	be	AUX
ajis02-751	188	84	able	able	ADJ
ajis02-751	188	85	to	to	PART
ajis02-751	188	86	use	use	VERB
ajis02-751	188	87	internet	internet	NOUN
ajis02-751	188	88	banking	banking	NOUN
ajis02-751	188	89	to	to	PART
ajis02-751	188	90	see	see	VERB
ajis02-751	188	91	what	what	PRON
ajis02-751	188	92	it	it	PRON
ajis02-751	188	93	can	can	AUX
ajis02-751	188	94	do	do	VERB
ajis02-751	188	95	for	for	ADP
ajis02-751	188	96	me	i	PRON
ajis02-751	188	97	prior	prior	ADV
ajis02-751	188	98	to	to	ADP
ajis02-751	188	99	the	the	DET
ajis02-751	188	100	actual	actual	ADJ
ajis02-751	188	101	adopti0on	adopti0on	NOUN
ajis02-751	188	102	0.76	0.76	NUM
ajis02-751	188	103	eigenvalues	eigenvalue	VERB
ajis02-751	188	104	kmo	kmo	PROPN
ajis02-751	188	105	bartlett	bartlett	PROPN
ajis02-751	188	106	’s	’s	PART
ajis02-751	188	107	test	test	NOUN
ajis02-751	188	108	of	of	ADP
ajis02-751	188	109	sphericity	sphericity	NOUN
ajis02-751	188	110	3.93	3.93	NUM
ajis02-751	188	111	0.81	0.81	NUM
ajis02-751	188	112	p	p	NOUN
ajis02-751	188	113	<	<	X
ajis02-751	188	114	0.001	0.001	NUM
ajis02-751	188	115	2.06	2.06	NUM
ajis02-751	188	116	factor	factor	NOUN
ajis02-751	188	117	correlation	correlation	NOUN
ajis02-751	188	118	matrix	matrix	NOUN
ajis02-751	188	119	factor	factor	NOUN
ajis02-751	188	120	1	1	NUM
ajis02-751	188	121	factor	factor	NOUN
ajis02-751	188	122	2	2	NUM
ajis02-751	188	123	factor	factor	NOUN
ajis02-751	188	124	1	1	NUM
ajis02-751	188	125	1.00	1.00	NUM
ajis02-751	188	126	0.42	0.42	NUM
ajis02-751	188	127	factor	factor	NOUN
ajis02-751	188	128	2	2	NUM
ajis02-751	188	129	0.42	0.42	NUM
ajis02-751	188	130	1.00	1.00	NUM
ajis02-751	188	131	table	table	NOUN
ajis02-751	188	132	1	1	NUM
ajis02-751	188	133	:	:	PUNCT
ajis02-751	188	134	summary	summary	NOUN
ajis02-751	188	135	of	of	ADP
ajis02-751	188	136	principal	principal	ADJ
ajis02-751	188	137	component	component	NOUN
ajis02-751	188	138	analysis	analysis	NOUN
ajis02-751	188	139	for	for	ADP
ajis02-751	188	140	technology	technology	NOUN
ajis02-751	188	141	factors	factor	NOUN
ajis02-751	188	142	measure	measure	NOUN
ajis02-751	188	143	(	(	PUNCT
ajis02-751	188	144	n	n	NOUN
ajis02-751	188	145	=	=	SYM
ajis02-751	188	146	372	372	NUM
ajis02-751	188	147	)	)	PUNCT
ajis02-751	188	148	principal	principal	ADJ
ajis02-751	188	149	component	component	NOUN
ajis02-751	188	150	analysis	analysis	NOUN
ajis02-751	188	151	output	output	NOUN
ajis02-751	188	152	for	for	ADP
ajis02-751	188	153	the	the	DET
ajis02-751	188	154	channel	channel	NOUN
ajis02-751	188	155	factors	factor	VERB
ajis02-751	188	156	the	the	DET
ajis02-751	188	157	results	result	NOUN
ajis02-751	188	158	of	of	ADP
ajis02-751	188	159	the	the	DET
ajis02-751	188	160	principal	principal	ADJ
ajis02-751	188	161	component	component	NOUN
ajis02-751	188	162	analysis	analysis	NOUN
ajis02-751	188	163	output	output	NOUN
ajis02-751	188	164	for	for	ADP
ajis02-751	188	165	the	the	DET
ajis02-751	188	166	channel	channel	NOUN
ajis02-751	188	167	factors	factor	NOUN
ajis02-751	188	168	are	be	AUX
ajis02-751	188	169	presented	present	VERB
ajis02-751	188	170	in	in	ADP
ajis02-751	188	171	table	table	NOUN
ajis02-751	188	172	ii	ii	PROPN
ajis02-751	188	173	.	.	PUNCT
ajis02-751	189	1	using	use	VERB
ajis02-751	189	2	the	the	DET
ajis02-751	189	3	kaiser	kaiser	NOUN
ajis02-751	189	4	-	-	PUNCT
ajis02-751	189	5	guttman	guttman	NOUN
ajis02-751	189	6	retention	retention	NOUN
ajis02-751	189	7	criterion	criterion	NOUN
ajis02-751	189	8	of	of	ADP
ajis02-751	189	9	eigenvalues	eigenvalue	NOUN
ajis02-751	189	10	greater	great	ADJ
ajis02-751	189	11	than	than	ADP
ajis02-751	189	12	one	one	NUM
ajis02-751	189	13	,	,	PUNCT
ajis02-751	189	14	a	a	DET
ajis02-751	189	15	two	two	NUM
ajis02-751	189	16	-	-	PUNCT
ajis02-751	189	17	component	component	NOUN
ajis02-751	189	18	solution	solution	NOUN
ajis02-751	189	19	provided	provide	VERB
ajis02-751	189	20	the	the	DET
ajis02-751	189	21	clearest	clear	ADJ
ajis02-751	189	22	extraction	extraction	NOUN
ajis02-751	189	23	.	.	PUNCT
ajis02-751	190	1	these	these	DET
ajis02-751	190	2	two	two	NUM
ajis02-751	190	3	components	component	NOUN
ajis02-751	190	4	accounted	account	VERB
ajis02-751	190	5	for	for	ADP
ajis02-751	190	6	36.59	36.59	NUM
ajis02-751	190	7	percent	percent	NOUN
ajis02-751	190	8	of	of	ADP
ajis02-751	190	9	the	the	DET
ajis02-751	190	10	total	total	ADJ
ajis02-751	190	11	variance	variance	NOUN
ajis02-751	190	12	.	.	PUNCT
ajis02-751	191	1	the	the	DET
ajis02-751	191	2	two	two	NUM
ajis02-751	191	3	component	component	NOUN
ajis02-751	191	4	model	model	NOUN
ajis02-751	191	5	was	be	AUX
ajis02-751	191	6	deemed	deem	VERB
ajis02-751	191	7	to	to	PART
ajis02-751	191	8	be	be	AUX
ajis02-751	191	9	the	the	DET
ajis02-751	191	10	best	good	ADJ
ajis02-751	191	11	solution	solution	NOUN
ajis02-751	191	12	because	because	SCONJ
ajis02-751	191	13	of	of	ADP
ajis02-751	191	14	its	its	PRON
ajis02-751	191	15	conceptual	conceptual	ADJ
ajis02-751	191	16	clarity	clarity	NOUN
ajis02-751	191	17	and	and	CCONJ
ajis02-751	191	18	ease	ease	NOUN
ajis02-751	191	19	of	of	ADP
ajis02-751	191	20	interpretation	interpretation	NOUN
ajis02-751	191	21	.	.	PUNCT
ajis02-751	192	1	also	also	ADV
ajis02-751	192	2	,	,	PUNCT
ajis02-751	192	3	the	the	DET
ajis02-751	192	4	component	component	NOUN
ajis02-751	192	5	correlation	correlation	NOUN
ajis02-751	192	6	matrix	matrix	NOUN
ajis02-751	192	7	reveals	reveal	VERB
ajis02-751	192	8	that	that	SCONJ
ajis02-751	192	9	the	the	DET
ajis02-751	192	10	two	two	NUM
ajis02-751	192	11	emerged	emerge	VERB
ajis02-751	192	12	components	component	NOUN
ajis02-751	192	13	of	of	ADP
ajis02-751	192	14	the	the	DET
ajis02-751	192	15	channel	channel	NOUN
ajis02-751	192	16	-	-	PUNCT
ajis02-751	192	17	related	relate	VERB
ajis02-751	192	18	factors	factor	NOUN
ajis02-751	192	19	to	to	PART
ajis02-751	192	20	be	be	AUX
ajis02-751	192	21	moderately	moderately	ADV
ajis02-751	192	22	positively	positively	ADV
ajis02-751	192	23	correlated	correlate	VERB
ajis02-751	192	24	(	(	PUNCT
ajis02-751	192	25	0.34	0.34	NUM
ajis02-751	192	26	)	)	PUNCT
ajis02-751	192	27	and	and	CCONJ
ajis02-751	192	28	are	be	AUX
ajis02-751	192	29	well	well	ADV
ajis02-751	192	30	discriminated	discriminate	VERB
ajis02-751	192	31	.	.	PUNCT
ajis02-751	193	1	australasian	australasian	ADJ
ajis02-751	193	2	journal	journal	NOUN
ajis02-751	193	3	of	of	ADP
ajis02-751	193	4	information	information	NOUN
ajis02-751	193	5	systems	system	NOUN
ajis02-751	193	6	volume	volume	NOUN
ajis02-751	193	7	18	18	NUM
ajis02-751	193	8	number1	number1	NOUN
ajis02-751	193	9	2013	2013	NUM
ajis02-751	193	10	15	15	NUM
ajis02-751	193	11	scale	scale	NOUN
ajis02-751	193	12	items	item	NOUN
ajis02-751	193	13	factors	factor	VERB
ajis02-751	193	14	1	1	NUM
ajis02-751	193	15	2	2	NUM
ajis02-751	193	16	lcd10	lcd10	PROPN
ajis02-751	193	17	internet	internet	NOUN
ajis02-751	193	18	banking	banking	NOUN
ajis02-751	193	19	is	be	AUX
ajis02-751	193	20	trustworthy	trustworthy	ADJ
ajis02-751	193	21	0.70	0.70	NUM
ajis02-751	193	22	lcd11	lcd11	NOUN
ajis02-751	194	1	i	i	PRON
ajis02-751	194	2	trust	trust	VERB
ajis02-751	194	3	in	in	ADP
ajis02-751	194	4	the	the	DET
ajis02-751	194	5	ability	ability	NOUN
ajis02-751	194	6	of	of	ADP
ajis02-751	194	7	internet	internet	NOUN
ajis02-751	194	8	banking	banking	NOUN
ajis02-751	194	9	to	to	PART
ajis02-751	194	10	protect	protect	VERB
ajis02-751	194	11	my	my	PRON
ajis02-751	194	12	privacy	privacy	NOUN
ajis02-751	194	13	0.66	0.66	NUM
ajis02-751	194	14	lcd12	lcd12	ADJ
ajis02-751	194	15	using	use	VERB
ajis02-751	194	16	internet	internet	NOUN
ajis02-751	194	17	banking	banking	NOUN
ajis02-751	194	18	is	be	AUX
ajis02-751	194	19	financially	financially	ADV
ajis02-751	194	20	secure	secure	ADJ
ajis02-751	194	21	0.62	0.62	NUM
ajis02-751	194	22	lcd1	lcd1	NOUN
ajis02-751	195	1	i	i	PRON
ajis02-751	195	2	am	be	AUX
ajis02-751	195	3	confident	confident	ADJ
ajis02-751	195	4	of	of	ADP
ajis02-751	195	5	using	use	VERB
ajis02-751	195	6	internet	internet	NOUN
ajis02-751	195	7	banking	banking	NOUN
ajis02-751	195	8	even	even	ADV
ajis02-751	195	9	if	if	SCONJ
ajis02-751	195	10	there	there	PRON
ajis02-751	195	11	is	be	VERB
ajis02-751	195	12	no	no	DET
ajis02-751	195	13	one	one	NOUN
ajis02-751	195	14	around	around	ADV
ajis02-751	195	15	to	to	PART
ajis02-751	195	16	show	show	VERB
ajis02-751	195	17	me	i	PRON
ajis02-751	195	18	how	how	SCONJ
ajis02-751	195	19	to	to	PART
ajis02-751	195	20	use	use	VERB
ajis02-751	195	21	it	it	PRON
ajis02-751	195	22	0.62	0.62	NUM
ajis02-751	195	23	lcd3	lcd3	ADJ
ajis02-751	195	24	i	i	PRON
ajis02-751	195	25	am	be	AUX
ajis02-751	195	26	confident	confident	ADJ
ajis02-751	195	27	of	of	ADP
ajis02-751	195	28	using	use	VERB
ajis02-751	195	29	internet	internet	NOUN
ajis02-751	195	30	banking	banking	NOUN
ajis02-751	195	31	even	even	ADV
ajis02-751	195	32	if	if	SCONJ
ajis02-751	195	33	i	i	PRON
ajis02-751	195	34	have	have	VERB
ajis02-751	195	35	only	only	ADV
ajis02-751	195	36	the	the	DET
ajis02-751	195	37	online	online	ADJ
ajis02-751	195	38	instructions	instruction	NOUN
ajis02-751	195	39	for	for	ADP
ajis02-751	195	40	reference	reference	NOUN
ajis02-751	195	41	0.58	0.58	NUM
ajis02-751	195	42	lcd9	lcd9	NOUN
ajis02-751	195	43	internet	internet	NOUN
ajis02-751	195	44	banking	banking	NOUN
ajis02-751	195	45	transactions	transaction	NOUN
ajis02-751	195	46	does	do	AUX
ajis02-751	195	47	not	not	PART
ajis02-751	195	48	lead	lead	VERB
ajis02-751	195	49	to	to	ADP
ajis02-751	195	50	an	an	DET
ajis02-751	195	51	inefficient	inefficient	ADJ
ajis02-751	195	52	use	use	NOUN
ajis02-751	195	53	of	of	ADP
ajis02-751	195	54	my	my	PRON
ajis02-751	195	55	time	time	NOUN
ajis02-751	195	56	0.55	0.55	NUM
ajis02-751	195	57	lcd6	lcd6	ADV
ajis02-751	196	1	i	i	PRON
ajis02-751	196	2	am	be	AUX
ajis02-751	196	3	confident	confident	ADJ
ajis02-751	196	4	that	that	SCONJ
ajis02-751	196	5	internet	internet	NOUN
ajis02-751	196	6	banking	banking	NOUN
ajis02-751	196	7	in	in	ADP
ajis02-751	196	8	australia	australia	PROPN
ajis02-751	196	9	is	be	AUX
ajis02-751	196	10	secure	secure	ADJ
ajis02-751	196	11	0.53	0.53	NUM
ajis02-751	196	12	lcd7	lcd7	NOUN
ajis02-751	196	13	information	information	NOUN
ajis02-751	196	14	concerning	concern	VERB
ajis02-751	196	15	my	my	PRON
ajis02-751	196	16	internet	internet	NOUN
ajis02-751	196	17	banking	banking	NOUN
ajis02-751	196	18	transactions	transaction	NOUN
ajis02-751	196	19	can	can	AUX
ajis02-751	196	20	not	not	PART
ajis02-751	196	21	be	be	AUX
ajis02-751	196	22	accessed	access	VERB
ajis02-751	196	23	by	by	ADP
ajis02-751	196	24	others	other	NOUN
ajis02-751	196	25	0.43	0.43	NUM
ajis02-751	196	26	lcd5	lcd5	ADV
ajis02-751	197	1	i	i	PRON
ajis02-751	197	2	am	be	AUX
ajis02-751	197	3	confident	confident	ADJ
ajis02-751	197	4	of	of	ADP
ajis02-751	197	5	using	use	VERB
ajis02-751	197	6	internet	internet	NOUN
ajis02-751	197	7	banking	banking	NOUN
ajis02-751	197	8	if	if	SCONJ
ajis02-751	197	9	i	i	PRON
ajis02-751	197	10	could	could	AUX
ajis02-751	197	11	call	call	VERB
ajis02-751	197	12	someone	someone	PRON
ajis02-751	197	13	for	for	ADP
ajis02-751	197	14	help	help	NOUN
ajis02-751	197	15	if	if	SCONJ
ajis02-751	197	16	i	i	PRON
ajis02-751	197	17	got	get	VERB
ajis02-751	197	18	stuck	stick	VERB
ajis02-751	197	19	0.74	0.74	NUM
ajis02-751	197	20	lcd4	lcd4	NOUN
ajis02-751	198	1	i	i	PRON
ajis02-751	198	2	am	be	AUX
ajis02-751	198	3	confident	confident	ADJ
ajis02-751	198	4	of	of	ADP
ajis02-751	198	5	using	use	VERB
ajis02-751	198	6	internet	internet	NOUN
ajis02-751	198	7	banking	banking	NOUN
ajis02-751	198	8	if	if	SCONJ
ajis02-751	198	9	i	i	PRON
ajis02-751	198	10	see	see	VERB
ajis02-751	198	11	someone	someone	PRON
ajis02-751	198	12	else	else	ADV
ajis02-751	198	13	using	use	VERB
ajis02-751	198	14	it	it	PRON
ajis02-751	198	15	before	before	SCONJ
ajis02-751	198	16	i	i	PRON
ajis02-751	198	17	try	try	VERB
ajis02-751	198	18	it	it	PRON
ajis02-751	198	19	myself	myself	PRON
ajis02-751	198	20	0.67	0.67	NUM
ajis02-751	198	21	lcd14	lcd14	ADJ
ajis02-751	198	22	internet	internet	NOUN
ajis02-751	198	23	banking	banking	NOUN
ajis02-751	198	24	websites	website	NOUN
ajis02-751	198	25	provide	provide	VERB
ajis02-751	198	26	information	information	NOUN
ajis02-751	198	27	that	that	PRON
ajis02-751	198	28	is	be	AUX
ajis02-751	198	29	tailor	tailor	NOUN
ajis02-751	198	30	-	-	PUNCT
ajis02-751	198	31	made	make	VERB
ajis02-751	198	32	for	for	ADP
ajis02-751	198	33	me	i	PRON
ajis02-751	198	34	0.54	0.54	NUM
ajis02-751	198	35	lcd2	lcd2	NOUN
ajis02-751	199	1	i	i	PRON
ajis02-751	199	2	am	be	AUX
ajis02-751	199	3	confident	confident	ADJ
ajis02-751	199	4	of	of	ADP
ajis02-751	199	5	using	use	VERB
ajis02-751	199	6	internet	internet	NOUN
ajis02-751	199	7	banking	banking	NOUN
ajis02-751	199	8	if	if	SCONJ
ajis02-751	199	9	i	i	PRON
ajis02-751	199	10	have	have	VERB
ajis02-751	199	11	the	the	DET
ajis02-751	199	12	built	build	VERB
ajis02-751	199	13	-	-	PUNCT
ajis02-751	199	14	in	in	ADP
ajis02-751	199	15	online	online	ADJ
ajis02-751	199	16	“	"	PUNCT
ajis02-751	199	17	help	help	NOUN
ajis02-751	199	18	”	"	PUNCT
ajis02-751	199	19	function	function	NOUN
ajis02-751	199	20	for	for	ADP
ajis02-751	199	21	assistance	assistance	NOUN
ajis02-751	199	22	0.49	0.49	NUM
ajis02-751	199	23	lcd13	lcd13	NOUN
ajis02-751	199	24	performing	perform	VERB
ajis02-751	199	25	internet	internet	NOUN
ajis02-751	199	26	banking	banking	NOUN
ajis02-751	199	27	makes	make	VERB
ajis02-751	199	28	me	i	PRON
ajis02-751	199	29	feel	feel	VERB
ajis02-751	199	30	that	that	SCONJ
ajis02-751	199	31	i	i	PRON
ajis02-751	199	32	am	be	AUX
ajis02-751	199	33	a	a	DET
ajis02-751	199	34	unique	unique	ADJ
ajis02-751	199	35	customer	customer	NOUN
ajis02-751	199	36	0.44	0.44	NUM
ajis02-751	199	37	lcd15	lcd15	PROPN
ajis02-751	199	38	the	the	DET
ajis02-751	199	39	promotional	promotional	ADJ
ajis02-751	199	40	offers	offer	NOUN
ajis02-751	199	41	that	that	PRON
ajis02-751	199	42	i	i	PRON
ajis02-751	199	43	receive	receive	VERB
ajis02-751	199	44	through	through	ADP
ajis02-751	199	45	internet	internet	NOUN
ajis02-751	199	46	banking	banking	NOUN
ajis02-751	199	47	transactions	transaction	NOUN
ajis02-751	199	48	are	be	AUX
ajis02-751	199	49	attractive	attractive	ADJ
ajis02-751	199	50	to	to	ADP
ajis02-751	199	51	me	i	PRON
ajis02-751	199	52	0.40	0.40	NUM
ajis02-751	199	53	eigenvalues	eigenvalue	VERB
ajis02-751	199	54	kmo	kmo	PROPN
ajis02-751	199	55	bartlett	bartlett	PROPN
ajis02-751	199	56	’s	’s	PART
ajis02-751	199	57	test	test	NOUN
ajis02-751	199	58	of	of	ADP
ajis02-751	199	59	sphericity	sphericity	NOUN
ajis02-751	199	60	3.42	3.42	NUM
ajis02-751	199	61	0.77	0.77	NUM
ajis02-751	199	62	p	p	NOUN
ajis02-751	199	63	<	<	X
ajis02-751	199	64	0.001	0.001	NUM
ajis02-751	199	65	1.69	1.69	NUM
ajis02-751	199	66	factor	factor	NOUN
ajis02-751	199	67	correlation	correlation	NOUN
ajis02-751	199	68	matrix	matrix	NOUN
ajis02-751	199	69	factor	factor	NOUN
ajis02-751	199	70	1	1	NUM
ajis02-751	199	71	factor	factor	NOUN
ajis02-751	199	72	2	2	NUM
ajis02-751	199	73	factor	factor	NOUN
ajis02-751	199	74	1	1	NUM
ajis02-751	199	75	1.00	1.00	NUM
ajis02-751	199	76	0.34	0.34	NUM
ajis02-751	199	77	factor	factor	NOUN
ajis02-751	199	78	2	2	NUM
ajis02-751	199	79	0.34	0.34	NUM
ajis02-751	199	80	1.00	1.00	NUM
ajis02-751	199	81	table	table	NOUN
ajis02-751	199	82	2	2	NUM
ajis02-751	199	83	:	:	PUNCT
ajis02-751	199	84	summary	summary	NOUN
ajis02-751	199	85	of	of	ADP
ajis02-751	199	86	principal	principal	ADJ
ajis02-751	199	87	component	component	NOUN
ajis02-751	199	88	analysis	analysis	NOUN
ajis02-751	199	89	for	for	ADP
ajis02-751	199	90	channel	channel	NOUN
ajis02-751	199	91	factors	factor	NOUN
ajis02-751	199	92	measure	measure	NOUN
ajis02-751	199	93	(	(	PUNCT
ajis02-751	199	94	n	n	NOUN
ajis02-751	199	95	=	=	SYM
ajis02-751	199	96	372	372	NUM
ajis02-751	199	97	)	)	PUNCT
ajis02-751	199	98	the	the	DET
ajis02-751	199	99	two	two	NUM
ajis02-751	199	100	channel	channel	NOUN
ajis02-751	199	101	factors	factor	NOUN
ajis02-751	199	102	components	component	NOUN
ajis02-751	199	103	were	be	AUX
ajis02-751	199	104	labelled	label	VERB
ajis02-751	199	105	based	base	VERB
ajis02-751	199	106	on	on	ADP
ajis02-751	199	107	a	a	DET
ajis02-751	199	108	review	review	NOUN
ajis02-751	199	109	of	of	ADP
ajis02-751	199	110	the	the	DET
ajis02-751	199	111	thematic	thematic	ADJ
ajis02-751	199	112	content	content	NOUN
ajis02-751	199	113	of	of	ADP
ajis02-751	199	114	the	the	DET
ajis02-751	199	115	different	different	ADJ
ajis02-751	199	116	items	item	NOUN
ajis02-751	199	117	of	of	ADP
ajis02-751	199	118	their	their	PRON
ajis02-751	199	119	defining	define	VERB
ajis02-751	199	120	items	item	NOUN
ajis02-751	199	121	.	.	PUNCT
ajis02-751	200	1	‘	'	PUNCT
ajis02-751	200	2	perceived	perceive	VERB
ajis02-751	200	3	safety	safety	NOUN
ajis02-751	200	4	’	'	PUNCT
ajis02-751	200	5	component	component	NOUN
ajis02-751	200	6	relates	relate	VERB
ajis02-751	200	7	to	to	ADP
ajis02-751	200	8	the	the	DET
ajis02-751	200	9	safety	safety	NOUN
ajis02-751	200	10	of	of	ADP
ajis02-751	200	11	internet	internet	NOUN
ajis02-751	200	12	banking	banking	NOUN
ajis02-751	200	13	with	with	ADP
ajis02-751	200	14	regard	regard	NOUN
ajis02-751	200	15	to	to	ADP
ajis02-751	200	16	the	the	DET
ajis02-751	200	17	risk	risk	NOUN
ajis02-751	200	18	,	,	PUNCT
ajis02-751	200	19	security	security	NOUN
ajis02-751	200	20	and	and	CCONJ
ajis02-751	200	21	trust	trust	NOUN
ajis02-751	200	22	associated	associate	VERB
ajis02-751	200	23	by	by	ADP
ajis02-751	200	24	the	the	DET
ajis02-751	200	25	consumers	consumer	NOUN
ajis02-751	200	26	with	with	ADP
ajis02-751	200	27	internet	internet	NOUN
ajis02-751	200	28	banking	banking	NOUN
ajis02-751	200	29	as	as	ADP
ajis02-751	200	30	a	a	DET
ajis02-751	200	31	service	service	NOUN
ajis02-751	200	32	delivery	delivery	NOUN
ajis02-751	200	33	channel	channel	NOUN
ajis02-751	200	34	.	.	PUNCT
ajis02-751	201	1	moreover	moreover	ADV
ajis02-751	201	2	,	,	PUNCT
ajis02-751	201	3	the	the	DET
ajis02-751	201	4	component	component	NOUN
ajis02-751	201	5	included	include	VERB
ajis02-751	201	6	items	item	NOUN
ajis02-751	201	7	related	relate	VERB
ajis02-751	201	8	to	to	ADP
ajis02-751	201	9	the	the	DET
ajis02-751	201	10	internal	internal	ADJ
ajis02-751	201	11	component	component	NOUN
ajis02-751	201	12	of	of	ADP
ajis02-751	201	13	self	self	NOUN
ajis02-751	201	14	-	-	PUNCT
ajis02-751	201	15	efficacy	efficacy	NOUN
ajis02-751	201	16	,	,	PUNCT
ajis02-751	201	17	indicating	indicate	VERB
ajis02-751	201	18	that	that	SCONJ
ajis02-751	201	19	internet	internet	NOUN
ajis02-751	201	20	banking	banking	NOUN
ajis02-751	201	21	users	user	NOUN
ajis02-751	201	22	were	be	AUX
ajis02-751	201	23	confident	confident	ADJ
ajis02-751	201	24	that	that	SCONJ
ajis02-751	201	25	they	they	PRON
ajis02-751	201	26	can	can	AUX
ajis02-751	201	27	perform	perform	VERB
ajis02-751	201	28	their	their	PRON
ajis02-751	201	29	transactions	transaction	NOUN
ajis02-751	201	30	without	without	ADP
ajis02-751	201	31	any	any	DET
ajis02-751	201	32	help	help	NOUN
ajis02-751	201	33	.	.	PUNCT
ajis02-751	202	1	‘	'	PUNCT
ajis02-751	202	2	perceived	perceive	VERB
ajis02-751	202	3	specialty	specialty	NOUN
ajis02-751	202	4	’	'	PUNCT
ajis02-751	202	5	component	component	NOUN
ajis02-751	202	6	is	be	AUX
ajis02-751	202	7	related	relate	VERB
ajis02-751	202	8	to	to	ADP
ajis02-751	202	9	the	the	DET
ajis02-751	202	10	personalisation	personalisation	NOUN
ajis02-751	202	11	component	component	NOUN
ajis02-751	202	12	perceived	perceive	VERB
ajis02-751	202	13	by	by	ADP
ajis02-751	202	14	the	the	DET
ajis02-751	202	15	consumers	consumer	NOUN
ajis02-751	202	16	as	as	ADV
ajis02-751	202	17	unique	unique	ADJ
ajis02-751	202	18	and	and	CCONJ
ajis02-751	202	19	special	special	ADJ
ajis02-751	202	20	customers	customer	NOUN
ajis02-751	202	21	due	due	ADP
ajis02-751	202	22	to	to	ADP
ajis02-751	202	23	their	their	PRON
ajis02-751	202	24	act	act	NOUN
ajis02-751	202	25	of	of	ADP
ajis02-751	202	26	performing	perform	VERB
ajis02-751	202	27	internet	internet	NOUN
ajis02-751	202	28	banking	banking	NOUN
ajis02-751	202	29	.	.	PUNCT
ajis02-751	203	1	perceived	perceive	VERB
ajis02-751	203	2	specialty	specialty	NOUN
ajis02-751	203	3	component	component	NOUN
ajis02-751	203	4	also	also	ADV
ajis02-751	203	5	consists	consist	VERB
ajis02-751	203	6	of	of	ADP
ajis02-751	203	7	the	the	DET
ajis02-751	203	8	external	external	ADJ
ajis02-751	203	9	component	component	NOUN
ajis02-751	203	10	of	of	ADP
ajis02-751	203	11	self	self	NOUN
ajis02-751	203	12	-	-	PUNCT
ajis02-751	203	13	efficacy	efficacy	NOUN
ajis02-751	203	14	,	,	PUNCT
ajis02-751	203	15	indicating	indicate	VERB
ajis02-751	203	16	less	less	ADJ
ajis02-751	203	17	confidence	confidence	NOUN
ajis02-751	203	18	associated	associate	VERB
ajis02-751	203	19	with	with	ADP
ajis02-751	203	20	the	the	DET
ajis02-751	203	21	internet	internet	NOUN
ajis02-751	203	22	banking	banking	NOUN
ajis02-751	203	23	consumers	consumer	NOUN
ajis02-751	203	24	without	without	ADP
ajis02-751	203	25	the	the	DET
ajis02-751	203	26	presence	presence	NOUN
ajis02-751	203	27	of	of	ADP
ajis02-751	203	28	a	a	DET
ajis02-751	203	29	role	role	NOUN
ajis02-751	203	30	model	model	NOUN
ajis02-751	203	31	or	or	CCONJ
ajis02-751	203	32	online	online	ADJ
ajis02-751	203	33	help	help	NOUN
ajis02-751	203	34	functions	function	NOUN
ajis02-751	203	35	.	.	PUNCT
ajis02-751	204	1	australasian	australasian	ADJ
ajis02-751	204	2	journal	journal	NOUN
ajis02-751	204	3	of	of	ADP
ajis02-751	204	4	information	information	NOUN
ajis02-751	204	5	systems	system	NOUN
ajis02-751	204	6	volume	volume	NOUN
ajis02-751	204	7	18	18	NUM
ajis02-751	204	8	number1	number1	NOUN
ajis02-751	204	9	2013	2013	NUM
ajis02-751	204	10	16	16	NUM
ajis02-751	204	11	principal	principal	ADJ
ajis02-751	204	12	component	component	NOUN
ajis02-751	204	13	analysis	analysis	NOUN
ajis02-751	204	14	output	output	NOUN
ajis02-751	204	15	for	for	ADP
ajis02-751	204	16	the	the	DET
ajis02-751	204	17	social	social	ADJ
ajis02-751	204	18	factors	factor	NOUN
ajis02-751	204	19	the	the	DET
ajis02-751	204	20	results	result	NOUN
ajis02-751	204	21	obtained	obtain	VERB
ajis02-751	204	22	from	from	ADP
ajis02-751	204	23	the	the	DET
ajis02-751	204	24	principal	principal	ADJ
ajis02-751	204	25	component	component	NOUN
ajis02-751	204	26	analysis	analysis	NOUN
ajis02-751	204	27	for	for	ADP
ajis02-751	204	28	the	the	DET
ajis02-751	204	29	social	social	ADJ
ajis02-751	204	30	factors	factor	NOUN
ajis02-751	204	31	are	be	AUX
ajis02-751	204	32	presented	present	VERB
ajis02-751	204	33	in	in	ADP
ajis02-751	204	34	table	table	NOUN
ajis02-751	204	35	3	3	NUM
ajis02-751	204	36	.	.	PUNCT
ajis02-751	205	1	the	the	DET
ajis02-751	205	2	kaiser	kaiser	PROPN
ajis02-751	205	3	-	-	PUNCT
ajis02-751	205	4	guttman	guttman	NOUN
ajis02-751	205	5	retention	retention	NOUN
ajis02-751	205	6	criterion	criterion	NOUN
ajis02-751	205	7	of	of	ADP
ajis02-751	205	8	eigenvalues	eigenvalue	NOUN
ajis02-751	205	9	greater	great	ADJ
ajis02-751	205	10	than	than	ADP
ajis02-751	205	11	one	one	NUM
ajis02-751	205	12	provided	provide	VERB
ajis02-751	205	13	the	the	DET
ajis02-751	205	14	clearest	clear	ADJ
ajis02-751	205	15	extraction	extraction	NOUN
ajis02-751	205	16	of	of	ADP
ajis02-751	205	17	a	a	DET
ajis02-751	205	18	one	one	NUM
ajis02-751	205	19	-	-	PUNCT
ajis02-751	205	20	component	component	NOUN
ajis02-751	205	21	solution	solution	NOUN
ajis02-751	205	22	.	.	PUNCT
ajis02-751	206	1	the	the	DET
ajis02-751	206	2	resultant	resultant	NOUN
ajis02-751	206	3	single	single	ADJ
ajis02-751	206	4	component	component	NOUN
ajis02-751	206	5	accounted	account	VERB
ajis02-751	206	6	for	for	ADP
ajis02-751	206	7	64.72	64.72	NUM
ajis02-751	206	8	percent	percent	NOUN
ajis02-751	206	9	of	of	ADP
ajis02-751	206	10	the	the	DET
ajis02-751	206	11	total	total	ADJ
ajis02-751	206	12	variance	variance	NOUN
ajis02-751	206	13	.	.	PUNCT
ajis02-751	207	1	scale	scale	NOUN
ajis02-751	207	2	items	item	NOUN
ajis02-751	207	3	factor	factor	NOUN
ajis02-751	207	4	lsd1	lsd1	VERB
ajis02-751	207	5	my	my	PRON
ajis02-751	207	6	decision	decision	NOUN
ajis02-751	207	7	to	to	PART
ajis02-751	207	8	use	use	VERB
ajis02-751	207	9	internet	internet	NOUN
ajis02-751	207	10	banking	banking	NOUN
ajis02-751	207	11	is	be	AUX
ajis02-751	207	12	influenced	influence	VERB
ajis02-751	207	13	by	by	ADP
ajis02-751	207	14	my	my	PRON
ajis02-751	207	15	friends	friend	NOUN
ajis02-751	207	16	0.72	0.72	NUM
ajis02-751	207	17	lsd2	lsd2	VERB
ajis02-751	207	18	my	my	PRON
ajis02-751	207	19	decision	decision	NOUN
ajis02-751	207	20	to	to	PART
ajis02-751	207	21	use	use	VERB
ajis02-751	207	22	internet	internet	NOUN
ajis02-751	207	23	banking	banking	NOUN
ajis02-751	207	24	is	be	AUX
ajis02-751	207	25	influenced	influence	VERB
ajis02-751	207	26	by	by	ADP
ajis02-751	207	27	my	my	PRON
ajis02-751	207	28	family	family	NOUN
ajis02-751	207	29	0.63	0.63	NUM
ajis02-751	207	30	lsd3	lsd3	PROPN
ajis02-751	207	31	my	my	PRON
ajis02-751	207	32	decision	decision	NOUN
ajis02-751	207	33	to	to	PART
ajis02-751	207	34	perform	perform	VERB
ajis02-751	207	35	internet	internet	NOUN
ajis02-751	207	36	banking	banking	NOUN
ajis02-751	207	37	is	be	AUX
ajis02-751	207	38	influenced	influence	VERB
ajis02-751	207	39	by	by	ADP
ajis02-751	207	40	my	my	PRON
ajis02-751	207	41	colleagues	colleague	NOUN
ajis02-751	207	42	0.70	0.70	NUM
ajis02-751	207	43	lsd4	lsd4	NOUN
ajis02-751	207	44	i	i	PRON
ajis02-751	207	45	frequently	frequently	ADV
ajis02-751	207	46	gather	gather	VERB
ajis02-751	207	47	information	information	NOUN
ajis02-751	207	48	from	from	ADP
ajis02-751	207	49	friends	friend	NOUN
ajis02-751	207	50	about	about	ADP
ajis02-751	207	51	internet	internet	NOUN
ajis02-751	207	52	banking	banking	NOUN
ajis02-751	207	53	before	before	SCONJ
ajis02-751	207	54	i	i	PRON
ajis02-751	207	55	actually	actually	ADV
ajis02-751	207	56	perform	perform	VERB
ajis02-751	207	57	any	any	DET
ajis02-751	207	58	transactions	transaction	NOUN
ajis02-751	207	59	0.73	0.73	NUM
ajis02-751	207	60	lsd5	lsd5	NOUN
ajis02-751	207	61	i	i	PRON
ajis02-751	207	62	often	often	ADV
ajis02-751	207	63	check	check	VERB
ajis02-751	207	64	with	with	ADP
ajis02-751	207	65	others	other	NOUN
ajis02-751	207	66	to	to	PART
ajis02-751	207	67	make	make	VERB
ajis02-751	207	68	sure	sure	ADJ
ajis02-751	207	69	that	that	SCONJ
ajis02-751	207	70	i	i	PRON
ajis02-751	207	71	am	be	AUX
ajis02-751	207	72	properly	properly	ADV
ajis02-751	207	73	using	use	VERB
ajis02-751	207	74	internet	internet	NOUN
ajis02-751	207	75	banking	banking	NOUN
ajis02-751	208	1	0.67	0.67	NUM
ajis02-751	209	1	lsd6	lsd6	PROPN
ajis02-751	209	2	i	i	PRON
ajis02-751	209	3	often	often	ADV
ajis02-751	209	4	observe	observe	VERB
ajis02-751	209	5	how	how	SCONJ
ajis02-751	209	6	others	other	NOUN
ajis02-751	209	7	conduct	conduct	VERB
ajis02-751	209	8	their	their	PRON
ajis02-751	209	9	banking	banking	NOUN
ajis02-751	209	10	transactions	transaction	NOUN
ajis02-751	209	11	before	before	SCONJ
ajis02-751	209	12	i	i	PRON
ajis02-751	209	13	actually	actually	ADV
ajis02-751	209	14	perform	perform	VERB
ajis02-751	209	15	any	any	DET
ajis02-751	209	16	transactions	transaction	NOUN
ajis02-751	209	17	0.41	0.41	NUM
ajis02-751	209	18	eigenvalues	eigenvalue	VERB
ajis02-751	209	19	kmo	kmo	PROPN
ajis02-751	209	20	bartlett	bartlett	PROPN
ajis02-751	209	21	’s	’s	PART
ajis02-751	209	22	test	test	NOUN
ajis02-751	209	23	of	of	ADP
ajis02-751	209	24	sphericity	sphericity	NOUN
ajis02-751	209	25	3.88	3.88	NUM
ajis02-751	209	26	0.89	0.89	NUM
ajis02-751	209	27	p	p	NOUN
ajis02-751	209	28	<	<	X
ajis02-751	209	29	0.001	0.001	NUM
ajis02-751	209	30	table	table	NOUN
ajis02-751	210	1	3	3	NUM
ajis02-751	210	2	:	:	PUNCT
ajis02-751	210	3	summary	summary	NOUN
ajis02-751	210	4	of	of	ADP
ajis02-751	210	5	principal	principal	ADJ
ajis02-751	210	6	component	component	NOUN
ajis02-751	210	7	analysis	analysis	NOUN
ajis02-751	210	8	for	for	ADP
ajis02-751	210	9	social	social	ADJ
ajis02-751	210	10	factors	factor	NOUN
ajis02-751	210	11	measure	measure	NOUN
ajis02-751	210	12	(	(	PUNCT
ajis02-751	210	13	n	n	NOUN
ajis02-751	210	14	=	=	SYM
ajis02-751	210	15	372	372	NUM
ajis02-751	210	16	)	)	PUNCT
ajis02-751	210	17	principal	principal	ADJ
ajis02-751	210	18	component	component	NOUN
ajis02-751	210	19	analysis	analysis	NOUN
ajis02-751	210	20	for	for	SCONJ
ajis02-751	210	21	the	the	DET
ajis02-751	210	22	social	social	ADJ
ajis02-751	210	23	factors	factor	NOUN
ajis02-751	210	24	construct	construct	VERB
ajis02-751	210	25	resulted	result	VERB
ajis02-751	210	26	in	in	ADP
ajis02-751	210	27	an	an	DET
ajis02-751	210	28	extraction	extraction	NOUN
ajis02-751	210	29	of	of	ADP
ajis02-751	210	30	a	a	DET
ajis02-751	210	31	single	single	ADJ
ajis02-751	210	32	solid	solid	ADJ
ajis02-751	210	33	component	component	NOUN
ajis02-751	210	34	consisting	consist	VERB
ajis02-751	210	35	of	of	ADP
ajis02-751	210	36	the	the	DET
ajis02-751	210	37	scale	scale	NOUN
ajis02-751	210	38	items	item	NOUN
ajis02-751	210	39	related	relate	VERB
ajis02-751	210	40	to	to	ADP
ajis02-751	210	41	the	the	DET
ajis02-751	210	42	influence	influence	NOUN
ajis02-751	210	43	exerted	exert	VERB
ajis02-751	210	44	on	on	ADP
ajis02-751	210	45	the	the	DET
ajis02-751	210	46	customer	customer	NOUN
ajis02-751	210	47	to	to	PART
ajis02-751	210	48	use	use	VERB
ajis02-751	210	49	internet	internet	NOUN
ajis02-751	210	50	banking	banking	NOUN
ajis02-751	210	51	by	by	ADP
ajis02-751	210	52	the	the	DET
ajis02-751	210	53	friends	friend	NOUN
ajis02-751	210	54	,	,	PUNCT
ajis02-751	210	55	family	family	NOUN
ajis02-751	210	56	members	member	NOUN
ajis02-751	210	57	and	and	CCONJ
ajis02-751	210	58	colleagues	colleague	NOUN
ajis02-751	210	59	.	.	PUNCT
ajis02-751	211	1	principal	principal	ADJ
ajis02-751	211	2	component	component	NOUN
ajis02-751	211	3	analysis	analysis	NOUN
ajis02-751	211	4	output	output	NOUN
ajis02-751	211	5	for	for	ADP
ajis02-751	211	6	the	the	DET
ajis02-751	211	7	value	value	NOUN
ajis02-751	211	8	for	for	ADP
ajis02-751	211	9	money	money	NOUN
ajis02-751	211	10	factors	factor	NOUN
ajis02-751	211	11	table	table	NOUN
ajis02-751	211	12	4	4	NUM
ajis02-751	211	13	shows	show	VERB
ajis02-751	211	14	the	the	DET
ajis02-751	211	15	principal	principal	ADJ
ajis02-751	211	16	component	component	NOUN
ajis02-751	211	17	analysis	analysis	NOUN
ajis02-751	211	18	solution	solution	NOUN
ajis02-751	211	19	for	for	ADP
ajis02-751	211	20	the	the	DET
ajis02-751	211	21	value	value	NOUN
ajis02-751	211	22	for	for	ADP
ajis02-751	211	23	money	money	NOUN
ajis02-751	211	24	factors	factor	NOUN
ajis02-751	211	25	construct	construct	VERB
ajis02-751	211	26	.	.	PUNCT
ajis02-751	212	1	the	the	DET
ajis02-751	212	2	kaiser	kaiser	PROPN
ajis02-751	212	3	-	-	PUNCT
ajis02-751	212	4	guttman	guttman	NOUN
ajis02-751	212	5	retention	retention	NOUN
ajis02-751	212	6	criterion	criterion	NOUN
ajis02-751	212	7	of	of	ADP
ajis02-751	212	8	eigenvalues	eigenvalue	NOUN
ajis02-751	212	9	greater	great	ADJ
ajis02-751	212	10	than	than	ADP
ajis02-751	212	11	one	one	NUM
ajis02-751	212	12	provided	provide	VERB
ajis02-751	212	13	the	the	DET
ajis02-751	212	14	clearest	clear	ADJ
ajis02-751	212	15	extraction	extraction	NOUN
ajis02-751	212	16	of	of	ADP
ajis02-751	212	17	one	one	NUM
ajis02-751	212	18	solid	solid	ADJ
ajis02-751	212	19	component	component	NOUN
ajis02-751	212	20	solution	solution	NOUN
ajis02-751	212	21	.	.	PUNCT
ajis02-751	213	1	the	the	DET
ajis02-751	213	2	resultant	resultant	NOUN
ajis02-751	213	3	component	component	NOUN
ajis02-751	213	4	accounted	account	VERB
ajis02-751	213	5	for	for	ADP
ajis02-751	213	6	38.19	38.19	NUM
ajis02-751	213	7	percent	percent	NOUN
ajis02-751	213	8	of	of	ADP
ajis02-751	213	9	the	the	DET
ajis02-751	213	10	total	total	ADJ
ajis02-751	213	11	variance	variance	NOUN
ajis02-751	213	12	.	.	PUNCT
ajis02-751	214	1	scale	scale	NOUN
ajis02-751	214	2	items	item	NOUN
ajis02-751	214	3	factor	factor	NOUN
ajis02-751	214	4	lcpv1	lcpv1	VERB
ajis02-751	214	5	internet	internet	NOUN
ajis02-751	214	6	banking	banking	NOUN
ajis02-751	214	7	is	be	AUX
ajis02-751	214	8	very	very	ADV
ajis02-751	214	9	reliable	reliable	ADJ
ajis02-751	214	10	0.46	0.46	NUM
ajis02-751	214	11	lcpv2	lcpv2	ADJ
ajis02-751	214	12	internet	internet	NOUN
ajis02-751	214	13	banking	banking	NOUN
ajis02-751	214	14	is	be	AUX
ajis02-751	214	15	of	of	ADP
ajis02-751	214	16	outstanding	outstanding	ADJ
ajis02-751	214	17	quality	quality	NOUN
ajis02-751	214	18	0.43	0.43	NUM
ajis02-751	214	19	lcpv3	lcpv3	NOUN
ajis02-751	214	20	internet	internet	NOUN
ajis02-751	214	21	banking	banking	NOUN
ajis02-751	214	22	provides	provide	VERB
ajis02-751	214	23	easy	easy	ADJ
ajis02-751	214	24	access	access	NOUN
ajis02-751	214	25	to	to	ADP
ajis02-751	214	26	information	information	NOUN
ajis02-751	214	27	0.48	0.48	NUM
ajis02-751	214	28	lcpv4	lcpv4	NOUN
ajis02-751	215	1	i	i	PRON
ajis02-751	215	2	am	be	AUX
ajis02-751	215	3	happy	happy	ADJ
ajis02-751	215	4	with	with	ADP
ajis02-751	215	5	the	the	DET
ajis02-751	215	6	price	price	NOUN
ajis02-751	215	7	charges	charge	NOUN
ajis02-751	215	8	for	for	ADP
ajis02-751	215	9	performing	perform	VERB
ajis02-751	215	10	internet	internet	NOUN
ajis02-751	215	11	banking	banking	NOUN
ajis02-751	215	12	0.42	0.42	NUM
ajis02-751	215	13	lcpv5	lcpv5	NOUN
ajis02-751	215	14	internet	internet	NOUN
ajis02-751	215	15	banking	banking	NOUN
ajis02-751	215	16	has	have	VERB
ajis02-751	215	17	a	a	DET
ajis02-751	215	18	good	good	ADJ
ajis02-751	215	19	reputation	reputation	NOUN
ajis02-751	215	20	in	in	ADP
ajis02-751	215	21	australia	australia	PROPN
ajis02-751	215	22	0.58	0.58	NUM
ajis02-751	215	23	lcpv6	lcpv6	PROPN
ajis02-751	215	24	internet	internet	NOUN
ajis02-751	215	25	banking	banking	NOUN
ajis02-751	215	26	transactions	transaction	NOUN
ajis02-751	215	27	can	can	AUX
ajis02-751	215	28	be	be	AUX
ajis02-751	215	29	performed	perform	VERB
ajis02-751	215	30	with	with	ADP
ajis02-751	215	31	very	very	ADV
ajis02-751	215	32	little	little	ADJ
ajis02-751	215	33	effort	effort	NOUN
ajis02-751	215	34	0.59	0.59	NUM
ajis02-751	215	35	lcpv7	lcpv7	NOUN
ajis02-751	215	36	performing	perform	VERB
ajis02-751	215	37	internet	internet	NOUN
ajis02-751	215	38	banking	banking	NOUN
ajis02-751	215	39	transactions	transaction	NOUN
ajis02-751	215	40	is	be	AUX
ajis02-751	215	41	the	the	DET
ajis02-751	215	42	right	right	ADJ
ajis02-751	215	43	decision	decision	NOUN
ajis02-751	215	44	when	when	SCONJ
ajis02-751	215	45	price	price	NOUN
ajis02-751	215	46	and	and	CCONJ
ajis02-751	215	47	other	other	ADJ
ajis02-751	215	48	expenses	expense	NOUN
ajis02-751	215	49	are	be	AUX
ajis02-751	215	50	considered	consider	VERB
ajis02-751	215	51	0.47	0.47	NUM
ajis02-751	215	52	lcpv8	lcpv8	NOUN
ajis02-751	215	53	internet	internet	NOUN
ajis02-751	215	54	banking	banking	NOUN
ajis02-751	215	55	transactions	transaction	NOUN
ajis02-751	215	56	are	be	AUX
ajis02-751	215	57	economical	economical	ADJ
ajis02-751	216	1	0.69	0.69	NUM
ajis02-751	216	2	eigenvalues	eigenvalue	VERB
ajis02-751	216	3	kmo	kmo	PROPN
ajis02-751	216	4	bartlett	bartlett	PROPN
ajis02-751	216	5	’s	’s	PART
ajis02-751	216	6	test	test	NOUN
ajis02-751	216	7	of	of	ADP
ajis02-751	216	8	sphericity	sphericity	NOUN
ajis02-751	216	9	3.05	3.05	NUM
ajis02-751	216	10	0.82	0.82	NUM
ajis02-751	216	11	p	p	NOUN
ajis02-751	216	12	<	<	X
ajis02-751	216	13	0.001	0.001	NUM
ajis02-751	216	14	table	table	NOUN
ajis02-751	216	15	4	4	NUM
ajis02-751	216	16	:	:	PUNCT
ajis02-751	216	17	summary	summary	NOUN
ajis02-751	216	18	of	of	ADP
ajis02-751	216	19	principal	principal	ADJ
ajis02-751	216	20	component	component	NOUN
ajis02-751	216	21	analysis	analysis	NOUN
ajis02-751	216	22	for	for	ADP
ajis02-751	216	23	value	value	NOUN
ajis02-751	216	24	for	for	ADP
ajis02-751	216	25	money	money	NOUN
ajis02-751	216	26	factors	factor	NOUN
ajis02-751	216	27	measure	measure	NOUN
ajis02-751	216	28	(	(	PUNCT
ajis02-751	216	29	n	n	NOUN
ajis02-751	216	30	=	=	SYM
ajis02-751	216	31	372	372	NUM
ajis02-751	216	32	)	)	PUNCT
ajis02-751	216	33	australasian	australasian	ADJ
ajis02-751	216	34	journal	journal	NOUN
ajis02-751	216	35	of	of	ADP
ajis02-751	216	36	information	information	NOUN
ajis02-751	216	37	systems	system	NOUN
ajis02-751	216	38	volume	volume	NOUN
ajis02-751	216	39	18	18	NUM
ajis02-751	216	40	number1	number1	NOUN
ajis02-751	216	41	2013	2013	NUM
ajis02-751	216	42	17	17	NUM
ajis02-751	216	43	the	the	DET
ajis02-751	216	44	principal	principal	ADJ
ajis02-751	216	45	component	component	NOUN
ajis02-751	216	46	analysis	analysis	NOUN
ajis02-751	216	47	solution	solution	NOUN
ajis02-751	216	48	for	for	ADP
ajis02-751	216	49	the	the	DET
ajis02-751	216	50	value	value	NOUN
ajis02-751	216	51	for	for	ADP
ajis02-751	216	52	money	money	NOUN
ajis02-751	216	53	factors	factor	NOUN
ajis02-751	216	54	resulted	result	VERB
ajis02-751	216	55	in	in	ADP
ajis02-751	216	56	the	the	DET
ajis02-751	216	57	extraction	extraction	NOUN
ajis02-751	216	58	of	of	ADP
ajis02-751	216	59	a	a	DET
ajis02-751	216	60	single	single	ADJ
ajis02-751	216	61	component	component	NOUN
ajis02-751	216	62	consisting	consist	VERB
ajis02-751	216	63	of	of	ADP
ajis02-751	216	64	the	the	DET
ajis02-751	216	65	scale	scale	NOUN
ajis02-751	216	66	items	item	NOUN
ajis02-751	216	67	representing	represent	VERB
ajis02-751	216	68	the	the	DET
ajis02-751	216	69	trade	trade	NOUN
ajis02-751	216	70	-	-	PUNCT
ajis02-751	216	71	off	off	NOUN
ajis02-751	216	72	between	between	ADP
ajis02-751	216	73	the	the	DET
ajis02-751	216	74	benefits	benefit	NOUN
ajis02-751	216	75	and	and	CCONJ
ajis02-751	216	76	costs	cost	NOUN
ajis02-751	216	77	associated	associate	VERB
ajis02-751	216	78	by	by	ADP
ajis02-751	216	79	the	the	DET
ajis02-751	216	80	customer	customer	NOUN
ajis02-751	216	81	with	with	ADP
ajis02-751	216	82	the	the	DET
ajis02-751	216	83	use	use	NOUN
ajis02-751	216	84	of	of	ADP
ajis02-751	216	85	internet	internet	NOUN
ajis02-751	216	86	banking	banking	NOUN
ajis02-751	216	87	as	as	ADP
ajis02-751	216	88	a	a	DET
ajis02-751	216	89	service	service	NOUN
ajis02-751	216	90	delivery	delivery	NOUN
ajis02-751	216	91	channel	channel	NOUN
ajis02-751	216	92	.	.	PUNCT
ajis02-751	217	1	principal	principal	ADJ
ajis02-751	217	2	component	component	NOUN
ajis02-751	217	3	analysis	analysis	NOUN
ajis02-751	217	4	output	output	NOUN
ajis02-751	217	5	for	for	ADP
ajis02-751	217	6	the	the	DET
ajis02-751	217	7	continued	continue	VERB
ajis02-751	217	8	use	use	NOUN
ajis02-751	217	9	factors	factor	NOUN
ajis02-751	217	10	table	table	NOUN
ajis02-751	217	11	5	5	NUM
ajis02-751	217	12	displays	display	VERB
ajis02-751	217	13	the	the	DET
ajis02-751	217	14	summary	summary	NOUN
ajis02-751	217	15	of	of	ADP
ajis02-751	217	16	principal	principal	ADJ
ajis02-751	217	17	component	component	NOUN
ajis02-751	217	18	analysis	analysis	NOUN
ajis02-751	217	19	for	for	ADP
ajis02-751	217	20	continued	continued	ADJ
ajis02-751	217	21	use	use	NOUN
ajis02-751	217	22	factors	factor	NOUN
ajis02-751	217	23	measure	measure	NOUN
ajis02-751	217	24	.	.	PUNCT
ajis02-751	218	1	the	the	DET
ajis02-751	218	2	kaiser	kaiser	PROPN
ajis02-751	218	3	-	-	PUNCT
ajis02-751	218	4	guttman	guttman	NOUN
ajis02-751	218	5	retention	retention	NOUN
ajis02-751	218	6	criterion	criterion	NOUN
ajis02-751	218	7	of	of	ADP
ajis02-751	218	8	eigenvalues	eigenvalue	NOUN
ajis02-751	218	9	greater	great	ADJ
ajis02-751	218	10	than	than	ADP
ajis02-751	218	11	one	one	NUM
ajis02-751	218	12	provided	provide	VERB
ajis02-751	218	13	the	the	DET
ajis02-751	218	14	clearest	clear	ADJ
ajis02-751	218	15	extraction	extraction	NOUN
ajis02-751	218	16	of	of	ADP
ajis02-751	218	17	a	a	DET
ajis02-751	218	18	single	single	ADJ
ajis02-751	218	19	solid	solid	ADJ
ajis02-751	218	20	component	component	NOUN
ajis02-751	218	21	solution	solution	NOUN
ajis02-751	218	22	.	.	PUNCT
ajis02-751	219	1	the	the	DET
ajis02-751	219	2	resultant	resultant	NOUN
ajis02-751	219	3	component	component	NOUN
ajis02-751	219	4	accounted	account	VERB
ajis02-751	219	5	for	for	ADP
ajis02-751	219	6	57.39	57.39	NUM
ajis02-751	219	7	percent	percent	NOUN
ajis02-751	219	8	of	of	ADP
ajis02-751	219	9	the	the	DET
ajis02-751	219	10	total	total	ADJ
ajis02-751	219	11	variance	variance	NOUN
ajis02-751	219	12	.	.	PUNCT
ajis02-751	220	1	scale	scale	NOUN
ajis02-751	220	2	items	item	NOUN
ajis02-751	220	3	factor	factor	NOUN
ajis02-751	220	4	lud1	lud1	VERB
ajis02-751	220	5	internet	internet	NOUN
ajis02-751	220	6	banking	banking	NOUN
ajis02-751	220	7	usage	usage	NOUN
ajis02-751	220	8	is	be	AUX
ajis02-751	220	9	a	a	DET
ajis02-751	220	10	positive	positive	ADJ
ajis02-751	220	11	experience	experience	NOUN
ajis02-751	220	12	for	for	ADP
ajis02-751	220	13	me	i	PRON
ajis02-751	220	14	0.61	0.61	NUM
ajis02-751	220	15	lud2	lud2	NOUN
ajis02-751	221	1	i	i	PRON
ajis02-751	221	2	intend	intend	VERB
ajis02-751	221	3	to	to	PART
ajis02-751	221	4	use	use	VERB
ajis02-751	221	5	internet	internet	NOUN
ajis02-751	221	6	banking	banking	NOUN
ajis02-751	221	7	regularly	regularly	ADV
ajis02-751	221	8	to	to	PART
ajis02-751	221	9	perform	perform	VERB
ajis02-751	221	10	my	my	PRON
ajis02-751	221	11	banking	banking	NOUN
ajis02-751	221	12	transactions	transaction	NOUN
ajis02-751	221	13	0.66	0.66	NUM
ajis02-751	221	14	lud3	lud3	NOUN
ajis02-751	221	15	i	i	PRON
ajis02-751	221	16	intend	intend	VERB
ajis02-751	221	17	to	to	PART
ajis02-751	221	18	increase	increase	VERB
ajis02-751	221	19	my	my	PRON
ajis02-751	221	20	use	use	NOUN
ajis02-751	221	21	of	of	ADP
ajis02-751	221	22	internet	internet	NOUN
ajis02-751	221	23	banking	banking	NOUN
ajis02-751	221	24	transactions	transaction	NOUN
ajis02-751	221	25	in	in	ADP
ajis02-751	221	26	future	future	ADJ
ajis02-751	221	27	0.45	0.45	NUM
ajis02-751	221	28	eigenvalues	eigenvalue	VERB
ajis02-751	221	29	kmo	kmo	PROPN
ajis02-751	221	30	bartlett	bartlett	PROPN
ajis02-751	221	31	’s	’s	PART
ajis02-751	221	32	test	test	NOUN
ajis02-751	221	33	of	of	ADP
ajis02-751	221	34	sphericity	sphericity	NOUN
ajis02-751	221	35	1.72	1.72	NUM
ajis02-751	221	36	0.61	0.61	NUM
ajis02-751	221	37	p	p	NOUN
ajis02-751	221	38	<	<	X
ajis02-751	221	39	0.001	0.001	NUM
ajis02-751	221	40	table	table	NOUN
ajis02-751	221	41	5	5	NUM
ajis02-751	221	42	:	:	PUNCT
ajis02-751	221	43	summary	summary	NOUN
ajis02-751	221	44	of	of	ADP
ajis02-751	221	45	principal	principal	ADJ
ajis02-751	221	46	component	component	NOUN
ajis02-751	221	47	analysis	analysis	NOUN
ajis02-751	221	48	for	for	ADP
ajis02-751	221	49	continued	continue	VERB
ajis02-751	221	50	usage	usage	NOUN
ajis02-751	221	51	factors	factor	NOUN
ajis02-751	221	52	measure	measure	NOUN
ajis02-751	221	53	(	(	PUNCT
ajis02-751	221	54	n	n	NOUN
ajis02-751	221	55	=	=	SYM
ajis02-751	221	56	372	372	NUM
ajis02-751	221	57	)	)	PUNCT
ajis02-751	221	58	principal	principal	NOUN
ajis02-751	221	59	component	component	NOUN
ajis02-751	221	60	analysis	analysis	NOUN
ajis02-751	221	61	of	of	ADP
ajis02-751	221	62	the	the	DET
ajis02-751	221	63	continued	continue	VERB
ajis02-751	221	64	usage	usage	NOUN
ajis02-751	221	65	factor	factor	NOUN
ajis02-751	221	66	extracted	extract	VERB
ajis02-751	221	67	a	a	DET
ajis02-751	221	68	single	single	ADJ
ajis02-751	221	69	component	component	NOUN
ajis02-751	221	70	.	.	PUNCT
ajis02-751	222	1	the	the	DET
ajis02-751	222	2	resultant	resultant	NOUN
ajis02-751	222	3	component	component	NOUN
ajis02-751	222	4	consists	consist	VERB
ajis02-751	222	5	of	of	ADP
ajis02-751	222	6	scale	scale	NOUN
ajis02-751	222	7	items	item	NOUN
ajis02-751	222	8	related	relate	VERB
ajis02-751	222	9	to	to	ADP
ajis02-751	222	10	the	the	DET
ajis02-751	222	11	customer	customer	NOUN
ajis02-751	222	12	’s	’s	PART
ajis02-751	222	13	associations	association	NOUN
ajis02-751	222	14	with	with	ADP
ajis02-751	222	15	internet	internet	NOUN
ajis02-751	222	16	banking	banking	NOUN
ajis02-751	222	17	,	,	PUNCT
ajis02-751	222	18	intention	intention	NOUN
ajis02-751	222	19	to	to	PART
ajis02-751	222	20	perform	perform	VERB
ajis02-751	222	21	banking	banking	NOUN
ajis02-751	222	22	transactions	transaction	NOUN
ajis02-751	222	23	through	through	ADP
ajis02-751	222	24	the	the	DET
ajis02-751	222	25	internet	internet	NOUN
ajis02-751	222	26	regularly	regularly	ADV
ajis02-751	222	27	,	,	PUNCT
ajis02-751	222	28	and	and	CCONJ
ajis02-751	222	29	their	their	PRON
ajis02-751	222	30	intentions	intention	NOUN
ajis02-751	222	31	to	to	PART
ajis02-751	222	32	increase	increase	VERB
ajis02-751	222	33	the	the	DET
ajis02-751	222	34	use	use	NOUN
ajis02-751	222	35	of	of	ADP
ajis02-751	222	36	internet	internet	NOUN
ajis02-751	222	37	banking	banking	NOUN
ajis02-751	222	38	in	in	ADP
ajis02-751	222	39	future	future	NOUN
ajis02-751	222	40	.	.	PUNCT
ajis02-751	223	1	reliability	reliability	NOUN
ajis02-751	223	2	analysis	analysis	NOUN
ajis02-751	223	3	cronbach	cronbach	NOUN
ajis02-751	223	4	’s	’s	PART
ajis02-751	223	5	alpha	alpha	NOUN
ajis02-751	223	6	is	be	AUX
ajis02-751	223	7	the	the	DET
ajis02-751	223	8	most	most	ADV
ajis02-751	223	9	common	common	ADJ
ajis02-751	223	10	form	form	NOUN
ajis02-751	223	11	of	of	ADP
ajis02-751	223	12	internal	internal	ADJ
ajis02-751	223	13	consistency	consistency	NOUN
ajis02-751	223	14	reliability	reliability	NOUN
ajis02-751	223	15	coefficient	coefficient	NOUN
ajis02-751	223	16	.	.	PUNCT
ajis02-751	224	1	by	by	ADP
ajis02-751	224	2	convention	convention	PROPN
ajis02-751	224	3	,	,	PUNCT
ajis02-751	224	4	a	a	DET
ajis02-751	224	5	lenient	lenient	ADJ
ajis02-751	224	6	cut	cut	NOUN
ajis02-751	224	7	-	-	PUNCT
ajis02-751	224	8	off	off	NOUN
ajis02-751	224	9	of	of	ADP
ajis02-751	224	10	0.60	0.60	NUM
ajis02-751	224	11	is	be	AUX
ajis02-751	224	12	common	common	ADJ
ajis02-751	224	13	in	in	ADP
ajis02-751	224	14	exploratory	exploratory	ADJ
ajis02-751	224	15	research	research	NOUN
ajis02-751	224	16	;	;	PUNCT
ajis02-751	224	17	alpha	alpha	NOUN
ajis02-751	224	18	should	should	AUX
ajis02-751	224	19	be	be	AUX
ajis02-751	224	20	at	at	ADV
ajis02-751	224	21	least	least	ADV
ajis02-751	224	22	0.70	0.70	NUM
ajis02-751	224	23	or	or	CCONJ
ajis02-751	224	24	higher	high	ADJ
ajis02-751	224	25	to	to	PART
ajis02-751	224	26	retain	retain	VERB
ajis02-751	224	27	an	an	DET
ajis02-751	224	28	item	item	NOUN
ajis02-751	224	29	in	in	ADP
ajis02-751	224	30	an	an	DET
ajis02-751	224	31	‘	'	PUNCT
ajis02-751	224	32	adequate	adequate	ADJ
ajis02-751	224	33	scale	scale	NOUN
ajis02-751	224	34	’	'	PUNCT
ajis02-751	224	35	,	,	PUNCT
ajis02-751	224	36	and	and	CCONJ
ajis02-751	224	37	a	a	DET
ajis02-751	224	38	cut	cut	NOUN
ajis02-751	224	39	-	-	PUNCT
ajis02-751	224	40	off	off	NOUN
ajis02-751	224	41	of	of	ADP
ajis02-751	224	42	0.80	0.80	NUM
ajis02-751	224	43	is	be	AUX
ajis02-751	224	44	required	require	VERB
ajis02-751	224	45	for	for	ADP
ajis02-751	224	46	a	a	DET
ajis02-751	224	47	‘	'	PUNCT
ajis02-751	224	48	good	good	ADJ
ajis02-751	224	49	scale	scale	NOUN
ajis02-751	224	50	’	'	PUNCT
ajis02-751	224	51	(	(	PUNCT
ajis02-751	224	52	graham	graham	PROPN
ajis02-751	224	53	2006	2006	NUM
ajis02-751	224	54	)	)	PUNCT
ajis02-751	224	55	.	.	PUNCT
ajis02-751	225	1	in	in	ADP
ajis02-751	225	2	the	the	DET
ajis02-751	225	3	present	present	ADJ
ajis02-751	225	4	study	study	NOUN
ajis02-751	225	5	,	,	PUNCT
ajis02-751	225	6	an	an	DET
ajis02-751	225	7	approach	approach	NOUN
ajis02-751	225	8	guided	guide	VERB
ajis02-751	225	9	by	by	ADP
ajis02-751	225	10	a	a	DET
ajis02-751	225	11	lenient	lenient	ADJ
ajis02-751	225	12	cut	cut	NOUN
ajis02-751	225	13	-	-	PUNCT
ajis02-751	225	14	off	off	NOUN
ajis02-751	225	15	of	of	ADP
ajis02-751	225	16	0.60	0.60	NUM
ajis02-751	225	17	is	be	AUX
ajis02-751	225	18	considered	consider	VERB
ajis02-751	225	19	to	to	PART
ajis02-751	225	20	be	be	AUX
ajis02-751	225	21	appropriate	appropriate	ADJ
ajis02-751	225	22	.	.	PUNCT
ajis02-751	226	1	the	the	DET
ajis02-751	226	2	reliability	reliability	NOUN
ajis02-751	226	3	statistics	statistic	NOUN
ajis02-751	226	4	for	for	ADP
ajis02-751	226	5	the	the	DET
ajis02-751	226	6	scales	scale	NOUN
ajis02-751	226	7	identified	identify	VERB
ajis02-751	226	8	via	via	ADP
ajis02-751	226	9	principal	principal	ADJ
ajis02-751	226	10	components	component	NOUN
ajis02-751	226	11	analysis	analysis	NOUN
ajis02-751	226	12	are	be	AUX
ajis02-751	226	13	presented	present	VERB
ajis02-751	226	14	in	in	ADP
ajis02-751	226	15	table	table	NOUN
ajis02-751	226	16	6	6	NUM
ajis02-751	226	17	.	.	PUNCT
ajis02-751	227	1	in	in	ADP
ajis02-751	227	2	all	all	DET
ajis02-751	227	3	cases	case	NOUN
ajis02-751	227	4	,	,	PUNCT
ajis02-751	227	5	cronbach	cronbach	VERB
ajis02-751	227	6	’s	’s	PART
ajis02-751	227	7	alpha	alpha	NOUN
ajis02-751	227	8	exceeded	exceed	VERB
ajis02-751	227	9	at	at	ADV
ajis02-751	227	10	least	least	ADV
ajis02-751	227	11	0.60	0.60	NUM
ajis02-751	227	12	.	.	PUNCT
ajis02-751	228	1	for	for	ADP
ajis02-751	228	2	all	all	DET
ajis02-751	228	3	subsequent	subsequent	ADJ
ajis02-751	228	4	analyses	analysis	NOUN
ajis02-751	228	5	,	,	PUNCT
ajis02-751	228	6	respondents	respondent	NOUN
ajis02-751	228	7	were	be	AUX
ajis02-751	228	8	given	give	VERB
ajis02-751	228	9	scores	score	NOUN
ajis02-751	228	10	on	on	ADP
ajis02-751	228	11	each	each	DET
ajis02-751	228	12	identified	identify	VERB
ajis02-751	228	13	component	component	NOUN
ajis02-751	228	14	or	or	CCONJ
ajis02-751	228	15	scale	scale	NOUN
ajis02-751	228	16	by	by	ADP
ajis02-751	228	17	averaging	average	VERB
ajis02-751	228	18	the	the	DET
ajis02-751	228	19	scores	score	NOUN
ajis02-751	228	20	on	on	ADP
ajis02-751	228	21	the	the	DET
ajis02-751	228	22	items	item	NOUN
ajis02-751	228	23	that	that	PRON
ajis02-751	228	24	defined	define	VERB
ajis02-751	228	25	that	that	DET
ajis02-751	228	26	scale	scale	NOUN
ajis02-751	228	27	.	.	PUNCT
ajis02-751	229	1	variable	variable	ADJ
ajis02-751	229	2	sub	sub	ADJ
ajis02-751	229	3	-	-	ADJ
ajis02-751	229	4	scale	scale	ADJ
ajis02-751	229	5	number	number	NOUN
ajis02-751	229	6	of	of	ADP
ajis02-751	229	7	items	item	NOUN
ajis02-751	229	8	cronbach	cronbach	VERB
ajis02-751	229	9	’s	’s	PART
ajis02-751	229	10	alpha	alpha	NOUN
ajis02-751	229	11	technology	technology	NOUN
ajis02-751	229	12	factors	factor	NOUN
ajis02-751	229	13	perceived	perceive	VERB
ajis02-751	229	14	usability	usability	NOUN
ajis02-751	229	15	11	11	NUM
ajis02-751	229	16	0.81	0.81	NUM
ajis02-751	229	17	perceived	perceive	VERB
ajis02-751	229	18	trialability	trialability	NOUN
ajis02-751	229	19	3	3	NUM
ajis02-751	229	20	0.75	0.75	NUM
ajis02-751	229	21	channel	channel	NOUN
ajis02-751	229	22	factors	factor	NOUN
ajis02-751	229	23	perceived	perceive	VERB
ajis02-751	229	24	safety	safety	NOUN
ajis02-751	229	25	8	8	NUM
ajis02-751	229	26	0.73	0.73	NUM
ajis02-751	229	27	perceived	perceive	VERB
ajis02-751	229	28	specialty	specialty	NOUN
ajis02-751	229	29	6	6	NUM
ajis02-751	229	30	0.60	0.60	NUM
ajis02-751	229	31	social	social	ADJ
ajis02-751	229	32	factors	factor	NOUN
ajis02-751	229	33	6	6	NUM
ajis02-751	229	34	0.89	0.89	NUM
ajis02-751	229	35	value	value	NOUN
ajis02-751	229	36	for	for	ADP
ajis02-751	229	37	money	money	NOUN
ajis02-751	229	38	factors	factor	NOUN
ajis02-751	229	39	8	8	NUM
ajis02-751	229	40	0.76	0.76	NUM
ajis02-751	229	41	usage	usage	NOUN
ajis02-751	229	42	factors	factor	NOUN
ajis02-751	229	43	3	3	NUM
ajis02-751	229	44	0.62	0.62	NUM
ajis02-751	229	45	table	table	NOUN
ajis02-751	229	46	6	6	NUM
ajis02-751	229	47	:	:	PUNCT
ajis02-751	229	48	reliability	reliability	NOUN
ajis02-751	229	49	statistics	statistic	NOUN
ajis02-751	229	50	australasian	australasian	ADJ
ajis02-751	229	51	journal	journal	NOUN
ajis02-751	229	52	of	of	ADP
ajis02-751	229	53	information	information	NOUN
ajis02-751	229	54	systems	system	NOUN
ajis02-751	229	55	volume	volume	NOUN
ajis02-751	229	56	18	18	NUM
ajis02-751	229	57	number1	number1	NOUN
ajis02-751	229	58	2013	2013	NUM
ajis02-751	229	59	18	18	NUM
ajis02-751	229	60	the	the	DET
ajis02-751	229	61	main	main	ADJ
ajis02-751	229	62	aim	aim	NOUN
ajis02-751	229	63	of	of	ADP
ajis02-751	229	64	the	the	DET
ajis02-751	229	65	study	study	NOUN
ajis02-751	229	66	was	be	AUX
ajis02-751	229	67	to	to	PART
ajis02-751	229	68	predict	predict	VERB
ajis02-751	229	69	the	the	DET
ajis02-751	229	70	power	power	NOUN
ajis02-751	229	71	of	of	ADP
ajis02-751	229	72	the	the	DET
ajis02-751	229	73	continued	continue	VERB
ajis02-751	229	74	use	use	NOUN
ajis02-751	229	75	of	of	ADP
ajis02-751	229	76	internet	internet	NOUN
ajis02-751	229	77	banking	banking	NOUN
ajis02-751	229	78	to	to	PART
ajis02-751	229	79	influence	influence	VERB
ajis02-751	229	80	a	a	DET
ajis02-751	229	81	specific	specific	ADJ
ajis02-751	229	82	order	order	NOUN
ajis02-751	229	83	of	of	ADP
ajis02-751	229	84	independent	independent	ADJ
ajis02-751	229	85	variable	variable	ADJ
ajis02-751	229	86	sets	set	NOUN
ajis02-751	229	87	,	,	PUNCT
ajis02-751	229	88	thus	thus	ADV
ajis02-751	229	89	assessing	assess	VERB
ajis02-751	229	90	the	the	DET
ajis02-751	229	91	unique	unique	ADJ
ajis02-751	229	92	contribution	contribution	NOUN
ajis02-751	229	93	of	of	ADP
ajis02-751	229	94	each	each	DET
ajis02-751	229	95	set	set	NOUN
ajis02-751	229	96	of	of	ADP
ajis02-751	229	97	independent	independent	ADJ
ajis02-751	229	98	variables	variable	NOUN
ajis02-751	229	99	.	.	PUNCT
ajis02-751	230	1	such	such	DET
ajis02-751	230	2	a	a	DET
ajis02-751	230	3	task	task	NOUN
ajis02-751	230	4	is	be	AUX
ajis02-751	230	5	ideally	ideally	ADV
ajis02-751	230	6	suited	suited	ADJ
ajis02-751	230	7	to	to	ADP
ajis02-751	230	8	the	the	DET
ajis02-751	230	9	statistical	statistical	ADJ
ajis02-751	230	10	analysis	analysis	NOUN
ajis02-751	230	11	of	of	ADP
ajis02-751	230	12	hierarchical	hierarchical	ADJ
ajis02-751	230	13	multiple	multiple	ADJ
ajis02-751	230	14	regression	regression	NOUN
ajis02-751	230	15	(	(	PUNCT
ajis02-751	230	16	cooksey	cooksey	NOUN
ajis02-751	230	17	2007	2007	NUM
ajis02-751	230	18	)	)	PUNCT
ajis02-751	230	19	.	.	PUNCT
ajis02-751	231	1	the	the	DET
ajis02-751	231	2	specific	specific	ADJ
ajis02-751	231	3	order	order	NOUN
ajis02-751	231	4	of	of	ADP
ajis02-751	231	5	entry	entry	NOUN
ajis02-751	231	6	of	of	ADP
ajis02-751	231	7	the	the	DET
ajis02-751	231	8	independent	independent	ADJ
ajis02-751	231	9	variable	variable	ADJ
ajis02-751	231	10	sets	set	NOUN
ajis02-751	231	11	was	be	AUX
ajis02-751	231	12	based	base	VERB
ajis02-751	231	13	both	both	CCONJ
ajis02-751	231	14	on	on	ADP
ajis02-751	231	15	logical	logical	ADJ
ajis02-751	231	16	and	and	CCONJ
ajis02-751	231	17	theoretical	theoretical	ADJ
ajis02-751	231	18	considerations	consideration	NOUN
ajis02-751	231	19	(	(	PUNCT
ajis02-751	231	20	kasheir	kasheir	X
ajis02-751	231	21	et	et	PROPN
ajis02-751	231	22	al	al	PROPN
ajis02-751	231	23	.	.	PROPN
ajis02-751	231	24	2009	2009	NUM
ajis02-751	231	25	;	;	PUNCT
ajis02-751	231	26	black	black	PROPN
ajis02-751	231	27	et	et	PROPN
ajis02-751	231	28	al	al	PROPN
ajis02-751	231	29	.	.	PROPN
ajis02-751	231	30	2002	2002	NUM
ajis02-751	231	31	,	,	PUNCT
ajis02-751	231	32	2001	2001	NUM
ajis02-751	231	33	)	)	PUNCT
ajis02-751	231	34	,	,	PUNCT
ajis02-751	231	35	resulting	result	VERB
ajis02-751	231	36	in	in	ADP
ajis02-751	231	37	a	a	DET
ajis02-751	231	38	parsimonious	parsimonious	ADJ
ajis02-751	231	39	model	model	NOUN
ajis02-751	231	40	.	.	PUNCT
ajis02-751	232	1	demographic	demographic	ADJ
ajis02-751	232	2	variables	variable	NOUN
ajis02-751	232	3	were	be	AUX
ajis02-751	232	4	entered	enter	VERB
ajis02-751	232	5	at	at	ADP
ajis02-751	232	6	the	the	DET
ajis02-751	232	7	beginning	beginning	NOUN
ajis02-751	232	8	of	of	ADP
ajis02-751	232	9	the	the	DET
ajis02-751	232	10	analyses	analysis	NOUN
ajis02-751	232	11	based	base	VERB
ajis02-751	232	12	on	on	ADP
ajis02-751	232	13	the	the	DET
ajis02-751	232	14	logical	logical	ADJ
ajis02-751	232	15	consideration	consideration	NOUN
ajis02-751	232	16	to	to	PART
ajis02-751	232	17	control	control	VERB
ajis02-751	232	18	for	for	ADP
ajis02-751	232	19	their	their	PRON
ajis02-751	232	20	influence	influence	NOUN
ajis02-751	232	21	.	.	PUNCT
ajis02-751	233	1	the	the	DET
ajis02-751	233	2	order	order	NOUN
ajis02-751	233	3	of	of	ADP
ajis02-751	233	4	entering	enter	VERB
ajis02-751	233	5	the	the	DET
ajis02-751	233	6	technology	technology	NOUN
ajis02-751	233	7	,	,	PUNCT
ajis02-751	233	8	channel	channel	NOUN
ajis02-751	233	9	,	,	PUNCT
ajis02-751	233	10	social	social	ADJ
ajis02-751	233	11	and	and	CCONJ
ajis02-751	233	12	value	value	NOUN
ajis02-751	233	13	for	for	ADP
ajis02-751	233	14	money	money	NOUN
ajis02-751	233	15	factors	factor	NOUN
ajis02-751	233	16	was	be	AUX
ajis02-751	233	17	based	base	VERB
ajis02-751	233	18	on	on	ADP
ajis02-751	233	19	the	the	DET
ajis02-751	233	20	theory	theory	NOUN
ajis02-751	233	21	as	as	SCONJ
ajis02-751	233	22	discussed	discuss	VERB
ajis02-751	233	23	in	in	ADP
ajis02-751	233	24	the	the	DET
ajis02-751	233	25	literature	literature	NOUN
ajis02-751	233	26	synthesis	synthesis	NOUN
ajis02-751	233	27	.	.	PUNCT
ajis02-751	234	1	hierarchical	hierarchical	ADJ
ajis02-751	234	2	multiple	multiple	ADJ
ajis02-751	234	3	regression	regression	NOUN
ajis02-751	234	4	analyses	analysis	NOUN
ajis02-751	234	5	was	be	AUX
ajis02-751	234	6	important	important	ADJ
ajis02-751	234	7	as	as	ADP
ajis02-751	234	8	‘	'	PUNCT
ajis02-751	234	9	semi	semi	ADJ
ajis02-751	234	10	-	-	ADJ
ajis02-751	234	11	partialling	partialle	VERB
ajis02-751	234	12	’	'	PUNCT
ajis02-751	234	13	or	or	CCONJ
ajis02-751	234	14	‘	'	PUNCT
ajis02-751	234	15	the	the	DET
ajis02-751	234	16	statistical	statistical	ADJ
ajis02-751	234	17	removal	removal	NOUN
ajis02-751	234	18	of	of	ADP
ajis02-751	234	19	the	the	DET
ajis02-751	234	20	influence	influence	NOUN
ajis02-751	234	21	of	of	ADP
ajis02-751	234	22	one	one	NUM
ajis02-751	234	23	or	or	CCONJ
ajis02-751	234	24	more	more	ADJ
ajis02-751	234	25	variables	variable	NOUN
ajis02-751	234	26	from	from	ADP
ajis02-751	234	27	the	the	DET
ajis02-751	234	28	correlational	correlational	ADJ
ajis02-751	234	29	relationship	relationship	NOUN
ajis02-751	234	30	between	between	ADP
ajis02-751	234	31	two	two	NUM
ajis02-751	234	32	variables	variable	NOUN
ajis02-751	234	33	’	'	PUNCT
ajis02-751	234	34	(	(	PUNCT
ajis02-751	234	35	cooksey	cooksey	NOUN
ajis02-751	234	36	1997	1997	NUM
ajis02-751	234	37	,	,	PUNCT
ajis02-751	234	38	p.	p.	NOUN
ajis02-751	234	39	78	78	NUM
ajis02-751	234	40	-	-	SYM
ajis02-751	234	41	79	79	NUM
ajis02-751	234	42	)	)	PUNCT
ajis02-751	234	43	.	.	PUNCT
ajis02-751	235	1	thus	thus	ADV
ajis02-751	235	2	,	,	PUNCT
ajis02-751	235	3	the	the	DET
ajis02-751	235	4	partialling	partialle	VERB
ajis02-751	235	5	set	set	NOUN
ajis02-751	235	6	of	of	ADP
ajis02-751	235	7	variables	variable	NOUN
ajis02-751	235	8	to	to	PART
ajis02-751	235	9	be	be	AUX
ajis02-751	235	10	controlled	control	VERB
ajis02-751	235	11	for	for	ADP
ajis02-751	235	12	are	be	AUX
ajis02-751	235	13	considered	consider	VERB
ajis02-751	235	14	first	first	ADV
ajis02-751	235	15	,	,	PUNCT
ajis02-751	235	16	followed	follow	VERB
ajis02-751	235	17	by	by	ADP
ajis02-751	235	18	the	the	DET
ajis02-751	235	19	actual	actual	ADJ
ajis02-751	235	20	predictor	predictor	NOUN
ajis02-751	235	21	variables	variable	NOUN
ajis02-751	235	22	of	of	ADP
ajis02-751	235	23	interest	interest	NOUN
ajis02-751	235	24	which	which	PRON
ajis02-751	235	25	are	be	AUX
ajis02-751	235	26	added	add	VERB
ajis02-751	235	27	subsequently	subsequently	ADV
ajis02-751	235	28	.	.	PUNCT
ajis02-751	236	1	table	table	NOUN
ajis02-751	236	2	7	7	NUM
ajis02-751	236	3	summarises	summarise	NOUN
ajis02-751	236	4	the	the	DET
ajis02-751	236	5	different	different	ADJ
ajis02-751	236	6	independent	independent	ADJ
ajis02-751	236	7	variable	variable	ADJ
ajis02-751	236	8	sets	set	NOUN
ajis02-751	236	9	and	and	CCONJ
ajis02-751	236	10	their	their	PRON
ajis02-751	236	11	constituent	constituent	ADJ
ajis02-751	236	12	predictor	predictor	NOUN
ajis02-751	236	13	variables	variable	NOUN
ajis02-751	236	14	in	in	ADP
ajis02-751	236	15	the	the	DET
ajis02-751	236	16	order	order	NOUN
ajis02-751	236	17	in	in	ADP
ajis02-751	236	18	which	which	PRON
ajis02-751	236	19	the	the	DET
ajis02-751	236	20	sets	set	NOUN
ajis02-751	236	21	would	would	AUX
ajis02-751	236	22	be	be	AUX
ajis02-751	236	23	entered	enter	VERB
ajis02-751	236	24	into	into	ADP
ajis02-751	236	25	the	the	DET
ajis02-751	236	26	hierarchical	hierarchical	ADJ
ajis02-751	236	27	regression	regression	NOUN
ajis02-751	236	28	model	model	NOUN
ajis02-751	236	29	.	.	PUNCT
ajis02-751	237	1	data	datum	NOUN
ajis02-751	237	2	intended	intend	VERB
ajis02-751	237	3	to	to	PART
ajis02-751	237	4	be	be	AUX
ajis02-751	237	5	subjected	subject	VERB
ajis02-751	237	6	to	to	ADP
ajis02-751	237	7	hierarchical	hierarchical	ADJ
ajis02-751	237	8	regression	regression	NOUN
ajis02-751	237	9	analysis	analysis	NOUN
ajis02-751	237	10	were	be	AUX
ajis02-751	237	11	obtained	obtain	VERB
ajis02-751	237	12	from	from	ADP
ajis02-751	237	13	computed	computed	ADJ
ajis02-751	237	14	average	average	ADJ
ajis02-751	237	15	scores	score	NOUN
ajis02-751	237	16	on	on	ADP
ajis02-751	237	17	the	the	DET
ajis02-751	237	18	two	two	NUM
ajis02-751	237	19	confirmed	confirm	VERB
ajis02-751	237	20	components	component	NOUN
ajis02-751	237	21	of	of	ADP
ajis02-751	237	22	technology	technology	NOUN
ajis02-751	237	23	factors	factor	NOUN
ajis02-751	237	24	,	,	PUNCT
ajis02-751	237	25	two	two	NUM
ajis02-751	237	26	confirmed	confirm	VERB
ajis02-751	237	27	components	component	NOUN
ajis02-751	237	28	of	of	ADP
ajis02-751	237	29	channel	channel	NOUN
ajis02-751	237	30	factors	factor	NOUN
ajis02-751	237	31	,	,	PUNCT
ajis02-751	237	32	one	one	NUM
ajis02-751	237	33	solid	solid	ADJ
ajis02-751	237	34	component	component	NOUN
ajis02-751	237	35	of	of	ADP
ajis02-751	237	36	social	social	ADJ
ajis02-751	237	37	factor	factor	NOUN
ajis02-751	237	38	and	and	CCONJ
ajis02-751	237	39	one	one	NUM
ajis02-751	237	40	resultant	resultant	NOUN
ajis02-751	237	41	component	component	NOUN
ajis02-751	237	42	of	of	ADP
ajis02-751	237	43	value	value	NOUN
ajis02-751	237	44	for	for	ADP
ajis02-751	237	45	money	money	NOUN
ajis02-751	237	46	factor	factor	NOUN
ajis02-751	237	47	,	,	PUNCT
ajis02-751	237	48	as	as	SCONJ
ajis02-751	237	49	identified	identify	VERB
ajis02-751	237	50	earlier	early	ADV
ajis02-751	237	51	.	.	PUNCT
ajis02-751	238	1	variable	variable	ADJ
ajis02-751	238	2	sets	set	VERB
ajis02-751	238	3	variables	variable	VERB
ajis02-751	238	4	demographic	demographic	ADJ
ajis02-751	238	5	characteristics	characteristic	NOUN
ajis02-751	238	6	gender	gender	NOUN
ajis02-751	238	7	age	age	NOUN
ajis02-751	238	8	level	level	NOUN
ajis02-751	238	9	of	of	ADP
ajis02-751	238	10	education	education	NOUN
ajis02-751	238	11	level	level	NOUN
ajis02-751	238	12	of	of	ADP
ajis02-751	238	13	income	income	NOUN
ajis02-751	238	14	ethnicity	ethnicity	NOUN
ajis02-751	238	15	occupation	occupation	NOUN
ajis02-751	238	16	technology	technology	NOUN
ajis02-751	238	17	factors	factor	NOUN
ajis02-751	238	18	perceived	perceive	VERB
ajis02-751	238	19	usability	usability	NOUN
ajis02-751	238	20	perceived	perceive	VERB
ajis02-751	238	21	trialability	trialability	NOUN
ajis02-751	238	22	channel	channel	NOUN
ajis02-751	238	23	factors	factor	NOUN
ajis02-751	238	24	perceived	perceive	VERB
ajis02-751	238	25	safety	safety	NOUN
ajis02-751	238	26	perceived	perceive	VERB
ajis02-751	238	27	specialty	specialty	NOUN
ajis02-751	238	28	social	social	ADJ
ajis02-751	238	29	factors	factor	NOUN
ajis02-751	238	30	social	social	ADJ
ajis02-751	238	31	factors	factor	NOUN
ajis02-751	238	32	value	value	NOUN
ajis02-751	238	33	for	for	ADP
ajis02-751	238	34	money	money	NOUN
ajis02-751	238	35	factors	factor	NOUN
ajis02-751	238	36	value	value	NOUN
ajis02-751	238	37	for	for	ADP
ajis02-751	238	38	money	money	NOUN
ajis02-751	238	39	factors	factor	NOUN
ajis02-751	238	40	table	table	VERB
ajis02-751	238	41	7	7	NUM
ajis02-751	238	42	variable	variable	ADJ
ajis02-751	238	43	sets	set	NOUN
ajis02-751	238	44	and	and	CCONJ
ajis02-751	238	45	their	their	PRON
ajis02-751	238	46	constituent	constituent	ADJ
ajis02-751	238	47	predictors	predictor	NOUN
ajis02-751	238	48	included	include	VERB
ajis02-751	238	49	in	in	ADP
ajis02-751	238	50	the	the	DET
ajis02-751	238	51	hierarchical	hierarchical	ADJ
ajis02-751	238	52	regression	regression	NOUN
ajis02-751	238	53	analyses	analyse	VERB
ajis02-751	238	54	the	the	DET
ajis02-751	238	55	data	datum	NOUN
ajis02-751	238	56	pertaining	pertain	VERB
ajis02-751	238	57	to	to	ADP
ajis02-751	238	58	all	all	DET
ajis02-751	238	59	the	the	DET
ajis02-751	238	60	variables	variable	NOUN
ajis02-751	238	61	in	in	ADP
ajis02-751	238	62	table	table	NOUN
ajis02-751	238	63	vii	vii	PROPN
ajis02-751	238	64	were	be	AUX
ajis02-751	238	65	examined	examine	VERB
ajis02-751	238	66	through	through	ADP
ajis02-751	238	67	the	the	DET
ajis02-751	238	68	spss	spss	PROPN
ajis02-751	238	69	17	17	NUM
ajis02-751	238	70	program	program	NOUN
ajis02-751	238	71	for	for	ADP
ajis02-751	238	72	data	datum	NOUN
ajis02-751	238	73	accuracy	accuracy	NOUN
ajis02-751	238	74	,	,	PUNCT
ajis02-751	238	75	normality	normality	NOUN
ajis02-751	238	76	and	and	CCONJ
ajis02-751	238	77	assumptions	assumption	NOUN
ajis02-751	238	78	of	of	ADP
ajis02-751	238	79	multivariate	multivariate	NOUN
ajis02-751	238	80	analyses	analysis	NOUN
ajis02-751	238	81	prior	prior	ADV
ajis02-751	238	82	to	to	ADP
ajis02-751	238	83	the	the	DET
ajis02-751	238	84	actual	actual	ADJ
ajis02-751	238	85	hierarchical	hierarchical	ADJ
ajis02-751	238	86	regression	regression	NOUN
ajis02-751	238	87	analyses	analysis	NOUN
ajis02-751	238	88	.	.	PUNCT
ajis02-751	239	1	then	then	ADV
ajis02-751	239	2	list	list	VERB
ajis02-751	239	3	wise	wise	ADJ
ajis02-751	239	4	deletion	deletion	NOUN
ajis02-751	239	5	method	method	NOUN
ajis02-751	239	6	was	be	AUX
ajis02-751	239	7	considered	consider	VERB
ajis02-751	239	8	to	to	PART
ajis02-751	239	9	be	be	AUX
ajis02-751	239	10	the	the	DET
ajis02-751	239	11	safest	safe	ADJ
ajis02-751	239	12	and	and	CCONJ
ajis02-751	239	13	most	most	ADV
ajis02-751	239	14	appropriate	appropriate	ADJ
ajis02-751	239	15	option	option	NOUN
ajis02-751	239	16	from	from	ADP
ajis02-751	239	17	a	a	DET
ajis02-751	239	18	statistical	statistical	ADJ
ajis02-751	239	19	estimation	estimation	NOUN
ajis02-751	239	20	perspective	perspective	NOUN
ajis02-751	239	21	since	since	SCONJ
ajis02-751	239	22	there	there	PRON
ajis02-751	239	23	were	be	VERB
ajis02-751	239	24	minimal	minimal	ADJ
ajis02-751	239	25	missing	missing	ADJ
ajis02-751	239	26	data	datum	NOUN
ajis02-751	239	27	.	.	PUNCT
ajis02-751	240	1	explanation	explanation	NOUN
ajis02-751	240	2	of	of	ADP
ajis02-751	240	3	the	the	DET
ajis02-751	240	4	model	model	NOUN
ajis02-751	240	5	predicting	predict	VERB
ajis02-751	240	6	the	the	DET
ajis02-751	240	7	continued	continue	VERB
ajis02-751	240	8	use	use	NOUN
ajis02-751	240	9	of	of	ADP
ajis02-751	240	10	internet	internet	NOUN
ajis02-751	240	11	banking	banking	NOUN
ajis02-751	240	12	hierarchical	hierarchical	ADJ
ajis02-751	240	13	multiple	multiple	ADJ
ajis02-751	240	14	regression	regression	NOUN
ajis02-751	240	15	analysis	analysis	NOUN
ajis02-751	240	16	was	be	AUX
ajis02-751	240	17	employed	employ	VERB
ajis02-751	240	18	to	to	PART
ajis02-751	240	19	test	test	VERB
ajis02-751	240	20	for	for	ADP
ajis02-751	240	21	the	the	DET
ajis02-751	240	22	effects	effect	NOUN
ajis02-751	240	23	of	of	ADP
ajis02-751	240	24	all	all	DET
ajis02-751	240	25	independent	independent	ADJ
ajis02-751	240	26	variable	variable	ADJ
ajis02-751	240	27	sets	set	NOUN
ajis02-751	240	28	in	in	ADP
ajis02-751	240	29	predicting	predict	VERB
ajis02-751	240	30	the	the	DET
ajis02-751	240	31	continued	continue	VERB
ajis02-751	240	32	use	use	NOUN
ajis02-751	240	33	of	of	ADP
ajis02-751	240	34	internet	internet	NOUN
ajis02-751	240	35	banking	banking	NOUN
ajis02-751	240	36	as	as	ADP
ajis02-751	240	37	the	the	DET
ajis02-751	240	38	dependent	dependent	ADJ
ajis02-751	240	39	variable	variable	NOUN
ajis02-751	240	40	.	.	PUNCT
ajis02-751	241	1	table	table	NOUN
ajis02-751	241	2	viii	viii	NOUN
ajis02-751	241	3	displays	display	VERB
ajis02-751	241	4	the	the	DET
ajis02-751	241	5	different	different	ADJ
ajis02-751	241	6	variable	variable	ADJ
ajis02-751	241	7	sets	set	NOUN
ajis02-751	241	8	entered	enter	VERB
ajis02-751	241	9	in	in	ADP
ajis02-751	241	10	their	their	PRON
ajis02-751	241	11	sequential	sequential	ADJ
ajis02-751	241	12	order	order	NOUN
ajis02-751	241	13	,	,	PUNCT
ajis02-751	241	14	the	the	DET
ajis02-751	241	15	r	r	NOUN
ajis02-751	241	16	2	2	NUM
ajis02-751	241	17	change	change	NOUN
ajis02-751	241	18	and	and	CCONJ
ajis02-751	241	19	its	its	PRON
ajis02-751	241	20	associated	associated	ADJ
ajis02-751	241	21	degrees	degree	NOUN
ajis02-751	241	22	of	of	ADP
ajis02-751	241	23	freedom	freedom	NOUN
ajis02-751	241	24	,	,	PUNCT
ajis02-751	241	25	the	the	DET
ajis02-751	241	26	f	f	PROPN
ajis02-751	241	27	change	change	NOUN
ajis02-751	241	28	(	(	PUNCT
ajis02-751	241	29	partial	partial	ADJ
ajis02-751	241	30	f	f	NOUN
ajis02-751	241	31	-	-	PUNCT
ajis02-751	241	32	test	test	NOUN
ajis02-751	241	33	)	)	PUNCT
ajis02-751	241	34	and	and	CCONJ
ajis02-751	241	35	associated	associate	VERB
ajis02-751	241	36	p	p	NOUN
ajis02-751	241	37	-	-	PUNCT
ajis02-751	241	38	value	value	NOUN
ajis02-751	241	39	.	.	PUNCT
ajis02-751	242	1	the	the	DET
ajis02-751	242	2	resultant	resultant	NOUN
ajis02-751	242	3	regression	regression	NOUN
ajis02-751	242	4	australasian	australasian	ADJ
ajis02-751	242	5	journal	journal	NOUN
ajis02-751	242	6	of	of	ADP
ajis02-751	242	7	information	information	NOUN
ajis02-751	242	8	systems	system	NOUN
ajis02-751	242	9	volume	volume	NOUN
ajis02-751	242	10	18	18	NUM
ajis02-751	242	11	number1	number1	NOUN
ajis02-751	242	12	2013	2013	NUM
ajis02-751	242	13	19	19	NUM
ajis02-751	242	14	weights	weight	NOUN
ajis02-751	242	15	obtained	obtain	VERB
ajis02-751	242	16	from	from	ADP
ajis02-751	242	17	the	the	DET
ajis02-751	242	18	hierarchical	hierarchical	ADJ
ajis02-751	242	19	multiple	multiple	ADJ
ajis02-751	242	20	regression	regression	NOUN
ajis02-751	242	21	analysis	analysis	NOUN
ajis02-751	242	22	is	be	AUX
ajis02-751	242	23	based	base	VERB
ajis02-751	242	24	on	on	ADP
ajis02-751	242	25	the	the	DET
ajis02-751	242	26	log	log	NOUN
ajis02-751	242	27	transformations	transformation	NOUN
ajis02-751	242	28	of	of	ADP
ajis02-751	242	29	the	the	DET
ajis02-751	242	30	independent	independent	ADJ
ajis02-751	242	31	variables	variable	NOUN
ajis02-751	242	32	.	.	PUNCT
ajis02-751	243	1	the	the	DET
ajis02-751	243	2	right	right	ADJ
ajis02-751	243	3	-	-	PUNCT
ajis02-751	243	4	hand	hand	NOUN
ajis02-751	243	5	portion	portion	NOUN
ajis02-751	243	6	of	of	ADP
ajis02-751	243	7	table	table	NOUN
ajis02-751	243	8	viii	viii	NOUN
ajis02-751	243	9	lists	list	NOUN
ajis02-751	243	10	the	the	DET
ajis02-751	243	11	p	p	NOUN
ajis02-751	243	12	-	-	PUNCT
ajis02-751	243	13	values	value	NOUN
ajis02-751	243	14	for	for	ADP
ajis02-751	243	15	the	the	DET
ajis02-751	243	16	individual	individual	ADJ
ajis02-751	243	17	independent	independent	ADJ
ajis02-751	243	18	variable	variable	ADJ
ajis02-751	243	19	sets	set	NOUN
ajis02-751	243	20	contributing	contribute	VERB
ajis02-751	243	21	to	to	ADP
ajis02-751	243	22	the	the	DET
ajis02-751	243	23	predictor	predictor	NOUN
ajis02-751	243	24	variable	variable	NOUN
ajis02-751	243	25	at	at	ADP
ajis02-751	243	26	that	that	DET
ajis02-751	243	27	step	step	NOUN
ajis02-751	243	28	,	,	PUNCT
ajis02-751	243	29	relating	relate	VERB
ajis02-751	243	30	to	to	ADP
ajis02-751	243	31	the	the	DET
ajis02-751	243	32	variables	variable	NOUN
ajis02-751	243	33	analysed	analyse	VERB
ajis02-751	243	34	,	,	PUNCT
ajis02-751	243	35	the	the	DET
ajis02-751	243	36	part	part	NOUN
ajis02-751	243	37	(	(	PUNCT
ajis02-751	243	38	semi	semi	ADJ
ajis02-751	243	39	-	-	ADJ
ajis02-751	243	40	partial	partial	ADJ
ajis02-751	243	41	)	)	PUNCT
ajis02-751	243	42	correlation	correlation	NOUN
ajis02-751	243	43	,	,	PUNCT
ajis02-751	243	44	partial	partial	ADJ
ajis02-751	243	45	f	f	X
ajis02-751	243	46	,	,	PUNCT
ajis02-751	243	47	and	and	CCONJ
ajis02-751	243	48	sig	sig	NOUN
ajis02-751	243	49	.	.	PUNCT
ajis02-751	244	1	p	p	NOUN
ajis02-751	244	2	-	-	PUNCT
ajis02-751	244	3	value	value	NOUN
ajis02-751	244	4	.	.	PUNCT
ajis02-751	245	1	the	the	DET
ajis02-751	245	2	durbin	durbin	PROPN
ajis02-751	245	3	-	-	PUNCT
ajis02-751	245	4	watson	watson	PROPN
ajis02-751	245	5	statistic	statistic	NOUN
ajis02-751	245	6	was	be	AUX
ajis02-751	245	7	used	use	VERB
ajis02-751	245	8	to	to	PART
ajis02-751	245	9	test	test	VERB
ajis02-751	245	10	for	for	ADP
ajis02-751	245	11	the	the	DET
ajis02-751	245	12	presence	presence	NOUN
ajis02-751	245	13	of	of	ADP
ajis02-751	245	14	serial	serial	ADJ
ajis02-751	245	15	correlation	correlation	NOUN
ajis02-751	245	16	among	among	ADP
ajis02-751	245	17	the	the	DET
ajis02-751	245	18	residuals	residual	NOUN
ajis02-751	245	19	that	that	PRON
ajis02-751	245	20	is	be	AUX
ajis02-751	245	21	the	the	DET
ajis02-751	245	22	assumption	assumption	NOUN
ajis02-751	245	23	of	of	ADP
ajis02-751	245	24	independence	independence	NOUN
ajis02-751	245	25	of	of	ADP
ajis02-751	245	26	errors	error	NOUN
ajis02-751	245	27	,	,	PUNCT
ajis02-751	245	28	which	which	PRON
ajis02-751	245	29	requires	require	VERB
ajis02-751	245	30	that	that	SCONJ
ajis02-751	245	31	the	the	DET
ajis02-751	245	32	residuals	residual	NOUN
ajis02-751	245	33	or	or	CCONJ
ajis02-751	245	34	errors	error	NOUN
ajis02-751	245	35	in	in	ADP
ajis02-751	245	36	prediction	prediction	NOUN
ajis02-751	245	37	do	do	AUX
ajis02-751	245	38	not	not	PART
ajis02-751	245	39	follow	follow	VERB
ajis02-751	245	40	a	a	DET
ajis02-751	245	41	pattern	pattern	NOUN
ajis02-751	245	42	from	from	ADP
ajis02-751	245	43	case	case	NOUN
ajis02-751	245	44	to	to	ADP
ajis02-751	245	45	case	case	NOUN
ajis02-751	245	46	(	(	PUNCT
ajis02-751	245	47	meyers	meyer	NOUN
ajis02-751	245	48	et	et	PROPN
ajis02-751	245	49	al	al	PROPN
ajis02-751	245	50	.	.	PROPN
ajis02-751	245	51	2006	2006	NUM
ajis02-751	245	52	)	)	PUNCT
ajis02-751	245	53	.	.	PUNCT
ajis02-751	246	1	the	the	DET
ajis02-751	246	2	value	value	NOUN
ajis02-751	246	3	of	of	ADP
ajis02-751	246	4	the	the	DET
ajis02-751	246	5	durbinwatson	durbinwatson	NOUN
ajis02-751	246	6	statistic	statistic	NOUN
ajis02-751	246	7	ranges	range	VERB
ajis02-751	246	8	from	from	ADP
ajis02-751	246	9	0	0	NUM
ajis02-751	246	10	to	to	ADP
ajis02-751	246	11	4	4	NUM
ajis02-751	246	12	.	.	PUNCT
ajis02-751	247	1	as	as	ADP
ajis02-751	247	2	a	a	DET
ajis02-751	247	3	general	general	ADJ
ajis02-751	247	4	rule	rule	NOUN
ajis02-751	247	5	of	of	ADP
ajis02-751	247	6	thumb	thumb	NOUN
ajis02-751	247	7	,	,	PUNCT
ajis02-751	247	8	the	the	DET
ajis02-751	247	9	residuals	residual	NOUN
ajis02-751	247	10	are	be	AUX
ajis02-751	247	11	not	not	PART
ajis02-751	247	12	correlated	correlate	VERB
ajis02-751	247	13	if	if	SCONJ
ajis02-751	247	14	the	the	DET
ajis02-751	247	15	durbin	durbin	ADJ
ajis02-751	247	16	-	-	PUNCT
ajis02-751	247	17	watson	watson	NOUN
ajis02-751	247	18	statistic	statistic	NOUN
ajis02-751	247	19	is	be	AUX
ajis02-751	247	20	approximately	approximately	ADV
ajis02-751	247	21	two	two	NUM
ajis02-751	247	22	,	,	PUNCT
ajis02-751	247	23	and	and	CCONJ
ajis02-751	247	24	an	an	DET
ajis02-751	247	25	acceptable	acceptable	ADJ
ajis02-751	247	26	range	range	NOUN
ajis02-751	247	27	is	be	AUX
ajis02-751	247	28	1.50	1.50	NUM
ajis02-751	247	29	-	-	SYM
ajis02-751	247	30	2.50	2.50	NUM
ajis02-751	247	31	(	(	PUNCT
ajis02-751	247	32	wilcox	wilcox	PROPN
ajis02-751	247	33	1997	1997	NUM
ajis02-751	247	34	)	)	PUNCT
ajis02-751	247	35	.	.	PUNCT
ajis02-751	248	1	for	for	ADP
ajis02-751	248	2	the	the	DET
ajis02-751	248	3	present	present	ADJ
ajis02-751	248	4	research	research	NOUN
ajis02-751	248	5	,	,	PUNCT
ajis02-751	248	6	the	the	DET
ajis02-751	248	7	durbin	durbin	ADJ
ajis02-751	248	8	-	-	PUNCT
ajis02-751	248	9	watson	watson	NOUN
ajis02-751	248	10	statistic	statistic	NOUN
ajis02-751	248	11	of	of	ADP
ajis02-751	248	12	2.10	2.10	NUM
ajis02-751	248	13	falls	fall	NOUN
ajis02-751	248	14	within	within	ADP
ajis02-751	248	15	the	the	DET
ajis02-751	248	16	acceptable	acceptable	ADJ
ajis02-751	248	17	range	range	NOUN
ajis02-751	248	18	.	.	PUNCT
ajis02-751	249	1	the	the	DET
ajis02-751	249	2	tolerance	tolerance	NOUN
ajis02-751	249	3	values	value	NOUN
ajis02-751	249	4	for	for	ADP
ajis02-751	249	5	all	all	DET
ajis02-751	249	6	the	the	DET
ajis02-751	249	7	independent	independent	ADJ
ajis02-751	249	8	variables	variable	NOUN
ajis02-751	249	9	were	be	AUX
ajis02-751	249	10	larger	large	ADJ
ajis02-751	249	11	than	than	ADP
ajis02-751	249	12	0.10	0.10	NUM
ajis02-751	249	13	,	,	PUNCT
ajis02-751	249	14	indicating	indicate	VERB
ajis02-751	249	15	that	that	SCONJ
ajis02-751	249	16	multicollinearity	multicollinearity	NOUN
ajis02-751	249	17	was	be	AUX
ajis02-751	249	18	not	not	PART
ajis02-751	249	19	a	a	DET
ajis02-751	249	20	problem	problem	NOUN
ajis02-751	249	21	in	in	ADP
ajis02-751	249	22	progressing	progress	VERB
ajis02-751	249	23	with	with	ADP
ajis02-751	249	24	the	the	DET
ajis02-751	249	25	proposed	propose	VERB
ajis02-751	249	26	regression	regression	NOUN
ajis02-751	249	27	analysis	analysis	NOUN
ajis02-751	249	28	(	(	PUNCT
ajis02-751	249	29	cleveland	cleveland	PROPN
ajis02-751	249	30	1984	1984	NUM
ajis02-751	249	31	)	)	PUNCT
ajis02-751	249	32	.	.	PUNCT
ajis02-751	250	1	table	table	NOUN
ajis02-751	250	2	viii	viii	NOUN
ajis02-751	250	3	displays	display	VERB
ajis02-751	250	4	a	a	DET
ajis02-751	250	5	summary	summary	NOUN
ajis02-751	250	6	of	of	ADP
ajis02-751	250	7	the	the	DET
ajis02-751	250	8	hierarchical	hierarchical	ADJ
ajis02-751	250	9	multiple	multiple	ADJ
ajis02-751	250	10	regression	regression	NOUN
ajis02-751	250	11	analysis	analysis	NOUN
ajis02-751	250	12	with	with	ADP
ajis02-751	250	13	five	five	NUM
ajis02-751	250	14	models	model	NOUN
ajis02-751	250	15	listed	list	VERB
ajis02-751	250	16	.	.	PUNCT
ajis02-751	251	1	at	at	ADP
ajis02-751	251	2	the	the	DET
ajis02-751	251	3	end	end	NOUN
ajis02-751	251	4	of	of	ADP
ajis02-751	251	5	each	each	DET
ajis02-751	251	6	step	step	NOUN
ajis02-751	251	7	model	model	NOUN
ajis02-751	251	8	r	r	NOUN
ajis02-751	251	9	2	2	NUM
ajis02-751	251	10	was	be	AUX
ajis02-751	251	11	significantly	significantly	ADV
ajis02-751	251	12	different	different	ADJ
ajis02-751	251	13	from	from	ADP
ajis02-751	251	14	zero	zero	NUM
ajis02-751	251	15	.	.	PUNCT
ajis02-751	252	1	in	in	ADP
ajis02-751	252	2	the	the	DET
ajis02-751	252	3	final	final	ADJ
ajis02-751	252	4	model	model	NOUN
ajis02-751	252	5	,	,	PUNCT
ajis02-751	252	6	with	with	ADP
ajis02-751	252	7	all	all	DET
ajis02-751	252	8	the	the	DET
ajis02-751	252	9	independent	independent	ADJ
ajis02-751	252	10	variable	variable	ADJ
ajis02-751	252	11	sets	set	NOUN
ajis02-751	252	12	in	in	ADP
ajis02-751	252	13	the	the	DET
ajis02-751	252	14	equation	equation	NOUN
ajis02-751	252	15	,	,	PUNCT
ajis02-751	252	16	the	the	DET
ajis02-751	252	17	overall	overall	ADJ
ajis02-751	252	18	regression	regression	NOUN
ajis02-751	252	19	model	model	NOUN
ajis02-751	252	20	was	be	AUX
ajis02-751	252	21	significant	significant	ADJ
ajis02-751	252	22	(	(	PUNCT
ajis02-751	252	23	r	r	NOUN
ajis02-751	252	24	2	2	NUM
ajis02-751	252	25	=	=	SYM
ajis02-751	252	26	0.42	0.42	NUM
ajis02-751	252	27	,	,	PUNCT
ajis02-751	252	28	adjusted	adjust	VERB
ajis02-751	252	29	r	r	NOUN
ajis02-751	252	30	2	2	NUM
ajis02-751	252	31	=	=	SYM
ajis02-751	252	32	0.39	0.39	NUM
ajis02-751	252	33	,	,	PUNCT
ajis02-751	252	34	f	f	PROPN
ajis02-751	252	35	=	=	SYM
ajis02-751	252	36	20.34	20.34	NUM
ajis02-751	252	37	,	,	PUNCT
ajis02-751	252	38	p	p	X
ajis02-751	252	39	<	<	X
ajis02-751	252	40	0.001	0.001	NUM
ajis02-751	252	41	)	)	PUNCT
ajis02-751	252	42	.	.	PUNCT
ajis02-751	253	1	thus	thus	ADV
ajis02-751	253	2	,	,	PUNCT
ajis02-751	253	3	with	with	SCONJ
ajis02-751	253	4	all	all	DET
ajis02-751	253	5	variable	variable	ADJ
ajis02-751	253	6	sets	set	NOUN
ajis02-751	253	7	entered	enter	VERB
ajis02-751	253	8	,	,	PUNCT
ajis02-751	253	9	nearly	nearly	ADV
ajis02-751	253	10	43	43	NUM
ajis02-751	253	11	percent	percent	NOUN
ajis02-751	253	12	of	of	ADP
ajis02-751	253	13	the	the	DET
ajis02-751	253	14	variance	variance	NOUN
ajis02-751	253	15	in	in	ADP
ajis02-751	253	16	continued	continued	ADJ
ajis02-751	253	17	use	use	NOUN
ajis02-751	253	18	of	of	ADP
ajis02-751	253	19	internet	internet	NOUN
ajis02-751	253	20	banking	banking	NOUN
ajis02-751	253	21	was	be	AUX
ajis02-751	253	22	explained	explain	VERB
ajis02-751	253	23	.	.	PUNCT
ajis02-751	254	1	in	in	ADP
ajis02-751	254	2	model	model	NOUN
ajis02-751	254	3	1	1	NUM
ajis02-751	254	4	,	,	PUNCT
ajis02-751	254	5	the	the	DET
ajis02-751	254	6	demographic	demographic	ADJ
ajis02-751	254	7	characteristics	characteristic	NOUN
ajis02-751	254	8	set	set	VERB
ajis02-751	254	9	of	of	ADP
ajis02-751	254	10	variables	variable	NOUN
ajis02-751	254	11	did	do	AUX
ajis02-751	254	12	not	not	PART
ajis02-751	254	13	contribute	contribute	VERB
ajis02-751	254	14	significantly	significantly	ADV
ajis02-751	254	15	to	to	ADP
ajis02-751	254	16	the	the	DET
ajis02-751	254	17	prediction	prediction	NOUN
ajis02-751	254	18	of	of	ADP
ajis02-751	254	19	continued	continue	VERB
ajis02-751	254	20	use	use	NOUN
ajis02-751	254	21	of	of	ADP
ajis02-751	254	22	internet	internet	NOUN
ajis02-751	254	23	banking	banking	NOUN
ajis02-751	254	24	(	(	PUNCT
ajis02-751	254	25	r	r	NOUN
ajis02-751	254	26	2	2	NUM
ajis02-751	254	27	change	change	NOUN
ajis02-751	254	28	=	=	NOUN
ajis02-751	254	29	0.01	0.01	NUM
ajis02-751	254	30	,	,	PUNCT
ajis02-751	254	31	f	f	PROPN
ajis02-751	254	32	change	change	NOUN
ajis02-751	254	33	=	=	PUNCT
ajis02-751	254	34	0.85	0.85	NUM
ajis02-751	254	35	,	,	PUNCT
ajis02-751	254	36	p	p	X
ajis02-751	254	37	=	=	NOUN
ajis02-751	254	38	0.52	0.52	NUM
ajis02-751	254	39	)	)	PUNCT
ajis02-751	254	40	.	.	PUNCT
ajis02-751	255	1	at	at	ADP
ajis02-751	255	2	model	model	NOUN
ajis02-751	255	3	1	1	NUM
ajis02-751	255	4	,	,	PUNCT
ajis02-751	255	5	the	the	DET
ajis02-751	255	6	demographic	demographic	ADJ
ajis02-751	255	7	characteristics	characteristic	NOUN
ajis02-751	255	8	set	set	VERB
ajis02-751	255	9	were	be	AUX
ajis02-751	255	10	entered	enter	VERB
ajis02-751	255	11	first	first	ADV
ajis02-751	255	12	in	in	ADP
ajis02-751	255	13	order	order	NOUN
ajis02-751	255	14	to	to	PART
ajis02-751	255	15	control	control	VERB
ajis02-751	255	16	for	for	ADP
ajis02-751	255	17	their	their	PRON
ajis02-751	255	18	influence	influence	NOUN
ajis02-751	255	19	.	.	PUNCT
ajis02-751	256	1	demographic	demographic	ADJ
ajis02-751	256	2	characteristics	characteristic	NOUN
ajis02-751	256	3	were	be	AUX
ajis02-751	256	4	examined	examine	VERB
ajis02-751	256	5	to	to	PART
ajis02-751	256	6	make	make	VERB
ajis02-751	256	7	sure	sure	ADJ
ajis02-751	256	8	that	that	SCONJ
ajis02-751	256	9	the	the	DET
ajis02-751	256	10	effects	effect	NOUN
ajis02-751	256	11	attributed	attribute	VERB
ajis02-751	256	12	to	to	ADP
ajis02-751	256	13	later	later	ADV
ajis02-751	256	14	independent	independent	ADJ
ajis02-751	256	15	variable	variable	ADJ
ajis02-751	256	16	sets	set	NOUN
ajis02-751	256	17	entered	enter	VERB
ajis02-751	256	18	into	into	ADP
ajis02-751	256	19	the	the	DET
ajis02-751	256	20	hierarchical	hierarchical	ADJ
ajis02-751	256	21	multiple	multiple	ADJ
ajis02-751	256	22	regression	regression	NOUN
ajis02-751	256	23	analysis	analysis	NOUN
ajis02-751	256	24	were	be	AUX
ajis02-751	256	25	not	not	PART
ajis02-751	256	26	due	due	ADJ
ajis02-751	256	27	to	to	ADP
ajis02-751	256	28	demographic	demographic	ADJ
ajis02-751	256	29	differences	difference	NOUN
ajis02-751	256	30	,	,	PUNCT
ajis02-751	256	31	thus	thus	ADV
ajis02-751	256	32	removing	remove	VERB
ajis02-751	256	33	their	their	PRON
ajis02-751	256	34	potential	potential	ADJ
ajis02-751	256	35	contaminating	contaminating	NOUN
ajis02-751	256	36	influence	influence	NOUN
ajis02-751	256	37	,	,	PUNCT
ajis02-751	256	38	if	if	SCONJ
ajis02-751	256	39	any	any	PRON
ajis02-751	256	40	.	.	PUNCT
ajis02-751	257	1	all	all	DET
ajis02-751	257	2	other	other	ADJ
ajis02-751	257	3	variable	variable	ADJ
ajis02-751	257	4	sets	set	NOUN
ajis02-751	257	5	(	(	PUNCT
ajis02-751	257	6	i.e.	i.e.	X
ajis02-751	257	7	,	,	PUNCT
ajis02-751	257	8	technology	technology	NOUN
ajis02-751	257	9	,	,	PUNCT
ajis02-751	257	10	channel	channel	NOUN
ajis02-751	257	11	,	,	PUNCT
ajis02-751	257	12	social	social	ADJ
ajis02-751	257	13	and	and	CCONJ
ajis02-751	257	14	value	value	NOUN
ajis02-751	257	15	factors	factor	NOUN
ajis02-751	257	16	)	)	PUNCT
ajis02-751	257	17	were	be	AUX
ajis02-751	257	18	entered	enter	VERB
ajis02-751	257	19	from	from	ADP
ajis02-751	257	20	model	model	NOUN
ajis02-751	257	21	2	2	NUM
ajis02-751	257	22	to	to	PART
ajis02-751	257	23	model	model	VERB
ajis02-751	257	24	5	5	NUM
ajis02-751	257	25	.	.	PUNCT
ajis02-751	258	1	in	in	ADP
ajis02-751	258	2	model	model	NOUN
ajis02-751	258	3	2	2	NUM
ajis02-751	258	4	,	,	PUNCT
ajis02-751	258	5	the	the	DET
ajis02-751	258	6	technology	technology	NOUN
ajis02-751	258	7	factors	factor	NOUN
ajis02-751	258	8	contributed	contribute	VERB
ajis02-751	258	9	significantly	significantly	ADV
ajis02-751	258	10	to	to	ADP
ajis02-751	258	11	the	the	DET
ajis02-751	258	12	prediction	prediction	NOUN
ajis02-751	258	13	of	of	ADP
ajis02-751	258	14	continued	continue	VERB
ajis02-751	258	15	use	use	NOUN
ajis02-751	258	16	of	of	ADP
ajis02-751	258	17	internet	internet	NOUN
ajis02-751	258	18	banking	banking	NOUN
ajis02-751	258	19	over	over	ADV
ajis02-751	258	20	and	and	CCONJ
ajis02-751	258	21	above	above	ADP
ajis02-751	258	22	what	what	PRON
ajis02-751	258	23	the	the	DET
ajis02-751	258	24	demographic	demographic	ADJ
ajis02-751	258	25	characteristics	characteristic	NOUN
ajis02-751	258	26	set	set	VERB
ajis02-751	258	27	could	could	AUX
ajis02-751	258	28	predict	predict	VERB
ajis02-751	258	29	(	(	PUNCT
ajis02-751	258	30	r	r	NOUN
ajis02-751	258	31	2	2	NUM
ajis02-751	258	32	change	change	NOUN
ajis02-751	258	33	=	=	PUNCT
ajis02-751	258	34	0.23	0.23	NUM
ajis02-751	258	35	,	,	PUNCT
ajis02-751	258	36	f	f	PROPN
ajis02-751	258	37	change	change	NOUN
ajis02-751	258	38	=	=	PUNCT
ajis02-751	258	39	55.87	55.87	NUM
ajis02-751	258	40	,	,	PUNCT
ajis02-751	258	41	p	p	X
ajis02-751	258	42	<	<	X
ajis02-751	258	43	0.001	0.001	NUM
ajis02-751	258	44	)	)	PUNCT
ajis02-751	258	45	.	.	PUNCT
ajis02-751	259	1	thus	thus	ADV
ajis02-751	259	2	,	,	PUNCT
ajis02-751	259	3	the	the	DET
ajis02-751	259	4	technology	technology	NOUN
ajis02-751	259	5	factors	factor	NOUN
ajis02-751	259	6	set	set	VERB
ajis02-751	259	7	uniquely	uniquely	ADV
ajis02-751	259	8	accounted	account	VERB
ajis02-751	259	9	for	for	ADP
ajis02-751	259	10	23	23	NUM
ajis02-751	259	11	percent	percent	NOUN
ajis02-751	259	12	of	of	ADP
ajis02-751	259	13	the	the	DET
ajis02-751	259	14	variance	variance	NOUN
ajis02-751	259	15	in	in	ADP
ajis02-751	259	16	continued	continued	ADJ
ajis02-751	259	17	use	use	NOUN
ajis02-751	259	18	of	of	ADP
ajis02-751	259	19	internet	internet	NOUN
ajis02-751	259	20	banking	banking	NOUN
ajis02-751	259	21	over	over	ADP
ajis02-751	259	22	and	and	CCONJ
ajis02-751	259	23	above	above	ADP
ajis02-751	259	24	the	the	DET
ajis02-751	259	25	previously	previously	ADV
ajis02-751	259	26	entered	enter	VERB
ajis02-751	259	27	set	set	NOUN
ajis02-751	259	28	.	.	PUNCT
ajis02-751	260	1	among	among	ADP
ajis02-751	260	2	the	the	DET
ajis02-751	260	3	technology	technology	NOUN
ajis02-751	260	4	factors	factor	NOUN
ajis02-751	260	5	set	set	VERB
ajis02-751	260	6	,	,	PUNCT
ajis02-751	260	7	the	the	DET
ajis02-751	260	8	perceived	perceive	VERB
ajis02-751	260	9	usability	usability	NOUN
ajis02-751	260	10	component	component	NOUN
ajis02-751	260	11	(	(	PUNCT
ajis02-751	260	12	sr	sr	PROPN
ajis02-751	260	13	2	2	NUM
ajis02-751	260	14	=	=	SYM
ajis02-751	260	15	0.45	0.45	NUM
ajis02-751	260	16	,	,	PUNCT
ajis02-751	260	17	partial	partial	ADJ
ajis02-751	260	18	f	f	NOUN
ajis02-751	260	19	=	=	PROPN
ajis02-751	260	20	10.04	10.04	NUM
ajis02-751	260	21	,	,	PUNCT
ajis02-751	260	22	p	p	X
ajis02-751	260	23	<	<	X
ajis02-751	260	24	0.001	0.001	NUM
ajis02-751	260	25	)	)	PUNCT
ajis02-751	260	26	and	and	CCONJ
ajis02-751	260	27	perceived	perceive	VERB
ajis02-751	260	28	trialability	trialability	NOUN
ajis02-751	260	29	component	component	NOUN
ajis02-751	260	30	(	(	PUNCT
ajis02-751	260	31	sr	sr	PROPN
ajis02-751	260	32	2	2	NUM
ajis02-751	260	33	=	=	SYM
ajis02-751	260	34	0.18	0.18	NUM
ajis02-751	260	35	,	,	PUNCT
ajis02-751	260	36	partial	partial	ADJ
ajis02-751	260	37	f	f	X
ajis02-751	260	38	=	=	PROPN
ajis02-751	260	39	2.38	2.38	NUM
ajis02-751	260	40	,	,	PUNCT
ajis02-751	260	41	p	p	X
ajis02-751	260	42	<	<	X
ajis02-751	260	43	0.001	0.001	NUM
ajis02-751	260	44	)	)	PUNCT
ajis02-751	260	45	were	be	AUX
ajis02-751	260	46	significant	significant	ADJ
ajis02-751	260	47	in	in	ADP
ajis02-751	260	48	the	the	DET
ajis02-751	260	49	explanation	explanation	NOUN
ajis02-751	260	50	of	of	ADP
ajis02-751	260	51	the	the	DET
ajis02-751	260	52	variance	variance	NOUN
ajis02-751	260	53	in	in	ADP
ajis02-751	260	54	continued	continued	ADJ
ajis02-751	260	55	use	use	NOUN
ajis02-751	260	56	of	of	ADP
ajis02-751	260	57	internet	internet	NOUN
ajis02-751	260	58	banking	banking	NOUN
ajis02-751	260	59	at	at	ADP
ajis02-751	260	60	this	this	DET
ajis02-751	260	61	step	step	NOUN
ajis02-751	260	62	.	.	PUNCT
ajis02-751	261	1	increases	increase	NOUN
ajis02-751	261	2	in	in	ADP
ajis02-751	261	3	perceived	perceive	VERB
ajis02-751	261	4	usability	usability	NOUN
ajis02-751	261	5	and	and	CCONJ
ajis02-751	261	6	perceived	perceive	VERB
ajis02-751	261	7	trialability	trialability	NOUN
ajis02-751	261	8	were	be	AUX
ajis02-751	261	9	predictive	predictive	ADJ
ajis02-751	261	10	of	of	ADP
ajis02-751	261	11	an	an	DET
ajis02-751	261	12	increase	increase	NOUN
ajis02-751	261	13	in	in	ADP
ajis02-751	261	14	consumers	consumer	NOUN
ajis02-751	261	15	’	'	PUNCT
ajis02-751	261	16	continued	continue	VERB
ajis02-751	261	17	use	use	NOUN
ajis02-751	261	18	of	of	ADP
ajis02-751	261	19	internet	internet	NOUN
ajis02-751	261	20	banking	banking	NOUN
ajis02-751	261	21	.	.	PUNCT
ajis02-751	262	1	in	in	ADP
ajis02-751	262	2	model	model	NOUN
ajis02-751	262	3	3	3	NUM
ajis02-751	262	4	,	,	PUNCT
ajis02-751	262	5	the	the	DET
ajis02-751	262	6	channel	channel	NOUN
ajis02-751	262	7	factors	factor	NOUN
ajis02-751	262	8	contributed	contribute	VERB
ajis02-751	262	9	significantly	significantly	ADV
ajis02-751	262	10	to	to	ADP
ajis02-751	262	11	the	the	DET
ajis02-751	262	12	explanation	explanation	NOUN
ajis02-751	262	13	of	of	ADP
ajis02-751	262	14	variance	variance	NOUN
ajis02-751	262	15	in	in	ADP
ajis02-751	262	16	continued	continued	ADJ
ajis02-751	262	17	use	use	NOUN
ajis02-751	262	18	of	of	ADP
ajis02-751	262	19	internet	internet	NOUN
ajis02-751	262	20	banking	banking	NOUN
ajis02-751	262	21	over	over	ADV
ajis02-751	262	22	and	and	CCONJ
ajis02-751	262	23	above	above	ADP
ajis02-751	262	24	what	what	PRON
ajis02-751	262	25	the	the	DET
ajis02-751	262	26	demographic	demographic	ADJ
ajis02-751	262	27	characteristics	characteristic	NOUN
ajis02-751	262	28	and	and	CCONJ
ajis02-751	262	29	technology	technology	NOUN
ajis02-751	262	30	factors	factor	NOUN
ajis02-751	262	31	set	set	VERB
ajis02-751	262	32	could	could	AUX
ajis02-751	262	33	predict	predict	VERB
ajis02-751	262	34	(	(	PUNCT
ajis02-751	262	35	r	r	NOUN
ajis02-751	262	36	2	2	NUM
ajis02-751	262	37	change	change	NOUN
ajis02-751	262	38	=	=	NOUN
ajis02-751	262	39	0.13	0.13	NUM
ajis02-751	262	40	,	,	PUNCT
ajis02-751	262	41	f	f	PROPN
ajis02-751	262	42	change	change	NOUN
ajis02-751	262	43	=	=	PUNCT
ajis02-751	262	44	38.31	38.31	NUM
ajis02-751	262	45	,	,	PUNCT
ajis02-751	262	46	p	p	X
ajis02-751	262	47	<	<	X
ajis02-751	262	48	0.001	0.001	NUM
ajis02-751	262	49	)	)	PUNCT
ajis02-751	262	50	.	.	PUNCT
ajis02-751	263	1	thus	thus	ADV
ajis02-751	263	2	,	,	PUNCT
ajis02-751	263	3	the	the	DET
ajis02-751	263	4	channel	channel	NOUN
ajis02-751	263	5	factors	factor	NOUN
ajis02-751	263	6	set	set	VERB
ajis02-751	263	7	uniquely	uniquely	ADV
ajis02-751	263	8	accounted	account	VERB
ajis02-751	263	9	for	for	ADP
ajis02-751	263	10	14	14	NUM
ajis02-751	263	11	percent	percent	NOUN
ajis02-751	263	12	of	of	ADP
ajis02-751	263	13	the	the	DET
ajis02-751	263	14	variance	variance	NOUN
ajis02-751	263	15	of	of	ADP
ajis02-751	263	16	continued	continue	VERB
ajis02-751	263	17	use	use	NOUN
ajis02-751	263	18	of	of	ADP
ajis02-751	263	19	internet	internet	NOUN
ajis02-751	263	20	banking	banking	NOUN
ajis02-751	263	21	over	over	ADP
ajis02-751	263	22	and	and	CCONJ
ajis02-751	263	23	above	above	ADP
ajis02-751	263	24	the	the	DET
ajis02-751	263	25	previously	previously	ADV
ajis02-751	263	26	entered	enter	VERB
ajis02-751	263	27	sets	set	NOUN
ajis02-751	263	28	.	.	PUNCT
ajis02-751	264	1	among	among	ADP
ajis02-751	264	2	the	the	DET
ajis02-751	264	3	channel	channel	NOUN
ajis02-751	264	4	factors	factor	NOUN
ajis02-751	264	5	set	set	VERB
ajis02-751	264	6	,	,	PUNCT
ajis02-751	264	7	perceived	perceive	VERB
ajis02-751	264	8	safety	safety	NOUN
ajis02-751	264	9	(	(	PUNCT
ajis02-751	264	10	sr	sr	PROPN
ajis02-751	264	11	2	2	NUM
ajis02-751	264	12	=	=	SYM
ajis02-751	264	13	0.23	0.23	NUM
ajis02-751	264	14	,	,	PUNCT
ajis02-751	264	15	partial	partial	ADJ
ajis02-751	264	16	f	f	NOUN
ajis02-751	264	17	=	=	NOUN
ajis02-751	264	18	5.69	5.69	NUM
ajis02-751	264	19	,	,	PUNCT
ajis02-751	264	20	p	p	X
ajis02-751	264	21	<	<	X
ajis02-751	264	22	0.001	0.001	NUM
ajis02-751	264	23	)	)	PUNCT
ajis02-751	264	24	and	and	CCONJ
ajis02-751	264	25	perceived	perceive	VERB
ajis02-751	264	26	specialty	specialty	NOUN
ajis02-751	264	27	(	(	PUNCT
ajis02-751	264	28	sr	sr	PROPN
ajis02-751	264	29	2	2	NUM
ajis02-751	264	30	=	=	SYM
ajis02-751	264	31	0.19	0.19	NUM
ajis02-751	264	32	,	,	PUNCT
ajis02-751	264	33	partial	partial	ADJ
ajis02-751	264	34	f	f	NOUN
ajis02-751	264	35	=	=	SYM
ajis02-751	264	36	4.79	4.79	NUM
ajis02-751	264	37	,	,	PUNCT
ajis02-751	264	38	p	p	X
ajis02-751	264	39	<	<	X
ajis02-751	264	40	0.001	0.001	NUM
ajis02-751	264	41	)	)	PUNCT
ajis02-751	264	42	components	component	NOUN
ajis02-751	264	43	were	be	AUX
ajis02-751	264	44	significant	significant	ADJ
ajis02-751	264	45	in	in	ADP
ajis02-751	264	46	the	the	DET
ajis02-751	264	47	explanation	explanation	NOUN
ajis02-751	264	48	of	of	ADP
ajis02-751	264	49	the	the	DET
ajis02-751	264	50	variance	variance	NOUN
ajis02-751	264	51	in	in	ADP
ajis02-751	264	52	continued	continued	ADJ
ajis02-751	264	53	use	use	NOUN
ajis02-751	264	54	of	of	ADP
ajis02-751	264	55	internet	internet	NOUN
ajis02-751	264	56	banking	banking	NOUN
ajis02-751	264	57	.	.	PUNCT
ajis02-751	265	1	increases	increase	NOUN
ajis02-751	265	2	in	in	ADP
ajis02-751	265	3	perceived	perceive	VERB
ajis02-751	265	4	safety	safety	NOUN
ajis02-751	265	5	and	and	CCONJ
ajis02-751	265	6	perceived	perceive	VERB
ajis02-751	265	7	specialty	specialty	NOUN
ajis02-751	265	8	were	be	AUX
ajis02-751	265	9	predictive	predictive	ADJ
ajis02-751	265	10	of	of	ADP
ajis02-751	265	11	an	an	DET
ajis02-751	265	12	increase	increase	NOUN
ajis02-751	265	13	in	in	ADP
ajis02-751	265	14	consumers	consumer	NOUN
ajis02-751	265	15	’	'	PUNCT
ajis02-751	265	16	continued	continue	VERB
ajis02-751	265	17	use	use	VERB
ajis02-751	265	18	australasian	australasian	ADJ
ajis02-751	265	19	journal	journal	NOUN
ajis02-751	265	20	of	of	ADP
ajis02-751	265	21	information	information	NOUN
ajis02-751	265	22	systems	system	NOUN
ajis02-751	265	23	volume	volume	NOUN
ajis02-751	265	24	18	18	NUM
ajis02-751	265	25	number1	number1	NOUN
ajis02-751	265	26	2013	2013	NUM
ajis02-751	265	27	20	20	NUM
ajis02-751	265	28	of	of	ADP
ajis02-751	265	29	internet	internet	NOUN
ajis02-751	265	30	banking	banking	NOUN
ajis02-751	265	31	.	.	PUNCT
ajis02-751	266	1	thus	thus	ADV
ajis02-751	266	2	,	,	PUNCT
ajis02-751	266	3	respondents	respondent	NOUN
ajis02-751	266	4	who	who	PRON
ajis02-751	266	5	strongly	strongly	ADV
ajis02-751	266	6	agreed	agree	VERB
ajis02-751	266	7	on	on	ADP
ajis02-751	266	8	perceived	perceive	VERB
ajis02-751	266	9	safety	safety	NOUN
ajis02-751	266	10	and	and	CCONJ
ajis02-751	266	11	perceived	perceive	VERB
ajis02-751	266	12	specialty	specialty	NOUN
ajis02-751	266	13	components	component	NOUN
ajis02-751	266	14	of	of	ADP
ajis02-751	266	15	the	the	DET
ajis02-751	266	16	channel	channel	NOUN
ajis02-751	266	17	factors	factor	NOUN
ajis02-751	266	18	were	be	AUX
ajis02-751	266	19	associated	associate	VERB
ajis02-751	266	20	with	with	ADP
ajis02-751	266	21	a	a	DET
ajis02-751	266	22	significant	significant	ADJ
ajis02-751	266	23	increase	increase	NOUN
ajis02-751	266	24	in	in	ADP
ajis02-751	266	25	their	their	PRON
ajis02-751	266	26	continued	continue	VERB
ajis02-751	266	27	use	use	NOUN
ajis02-751	266	28	of	of	ADP
ajis02-751	266	29	internet	internet	NOUN
ajis02-751	266	30	banking	banking	NOUN
ajis02-751	266	31	.	.	PUNCT
ajis02-751	267	1	in	in	ADP
ajis02-751	267	2	model	model	NOUN
ajis02-751	267	3	4	4	NUM
ajis02-751	267	4	,	,	PUNCT
ajis02-751	267	5	the	the	DET
ajis02-751	267	6	social	social	ADJ
ajis02-751	267	7	factors	factor	NOUN
ajis02-751	267	8	set	set	VERB
ajis02-751	267	9	did	do	AUX
ajis02-751	267	10	not	not	PART
ajis02-751	267	11	add	add	VERB
ajis02-751	267	12	significantly	significantly	ADV
ajis02-751	267	13	to	to	ADP
ajis02-751	267	14	the	the	DET
ajis02-751	267	15	prediction	prediction	NOUN
ajis02-751	267	16	of	of	ADP
ajis02-751	267	17	continued	continue	VERB
ajis02-751	267	18	use	use	NOUN
ajis02-751	267	19	of	of	ADP
ajis02-751	267	20	internet	internet	NOUN
ajis02-751	267	21	banking	banking	NOUN
ajis02-751	267	22	(	(	PUNCT
ajis02-751	267	23	r	r	NOUN
ajis02-751	267	24	2	2	NUM
ajis02-751	267	25	change	change	NOUN
ajis02-751	267	26	=	=	SYM
ajis02-751	267	27	0.001	0.001	NUM
ajis02-751	267	28	,	,	PUNCT
ajis02-751	267	29	f	f	PROPN
ajis02-751	267	30	change	change	NOUN
ajis02-751	267	31	=	=	NOUN
ajis02-751	267	32	0.19	0.19	NUM
ajis02-751	267	33	,	,	PUNCT
ajis02-751	267	34	p	p	X
ajis02-751	267	35	<	<	X
ajis02-751	267	36	0.001	0.001	NUM
ajis02-751	267	37	)	)	PUNCT
ajis02-751	267	38	.	.	PUNCT
ajis02-751	268	1	thus	thus	ADV
ajis02-751	268	2	,	,	PUNCT
ajis02-751	268	3	respondents	respondent	NOUN
ajis02-751	268	4	did	do	AUX
ajis02-751	268	5	not	not	PART
ajis02-751	268	6	consider	consider	VERB
ajis02-751	268	7	social	social	ADJ
ajis02-751	268	8	factors	factor	NOUN
ajis02-751	268	9	as	as	ADP
ajis02-751	268	10	significant	significant	ADJ
ajis02-751	268	11	predictors	predictor	NOUN
ajis02-751	268	12	in	in	ADP
ajis02-751	268	13	determining	determine	VERB
ajis02-751	268	14	their	their	PRON
ajis02-751	268	15	continued	continue	VERB
ajis02-751	268	16	use	use	NOUN
ajis02-751	268	17	of	of	ADP
ajis02-751	268	18	internet	internet	NOUN
ajis02-751	268	19	banking	banking	NOUN
ajis02-751	268	20	.	.	PUNCT
ajis02-751	269	1	in	in	ADP
ajis02-751	269	2	model	model	NOUN
ajis02-751	269	3	5	5	NUM
ajis02-751	269	4	,	,	PUNCT
ajis02-751	269	5	the	the	DET
ajis02-751	269	6	value	value	NOUN
ajis02-751	269	7	for	for	ADP
ajis02-751	269	8	money	money	NOUN
ajis02-751	269	9	factors	factor	NOUN
ajis02-751	269	10	contributed	contribute	VERB
ajis02-751	269	11	significantly	significantly	ADV
ajis02-751	269	12	to	to	ADP
ajis02-751	269	13	the	the	DET
ajis02-751	269	14	explanation	explanation	NOUN
ajis02-751	269	15	of	of	ADP
ajis02-751	269	16	variance	variance	NOUN
ajis02-751	269	17	in	in	ADP
ajis02-751	269	18	continued	continued	ADJ
ajis02-751	269	19	use	use	NOUN
ajis02-751	269	20	of	of	ADP
ajis02-751	269	21	internet	internet	NOUN
ajis02-751	269	22	banking	banking	NOUN
ajis02-751	269	23	over	over	ADV
ajis02-751	269	24	and	and	CCONJ
ajis02-751	269	25	above	above	ADP
ajis02-751	269	26	what	what	PRON
ajis02-751	269	27	the	the	DET
ajis02-751	269	28	demographic	demographic	ADJ
ajis02-751	269	29	characteristics	characteristic	NOUN
ajis02-751	269	30	,	,	PUNCT
ajis02-751	269	31	technology	technology	NOUN
ajis02-751	269	32	,	,	PUNCT
ajis02-751	269	33	channel	channel	NOUN
ajis02-751	269	34	and	and	CCONJ
ajis02-751	269	35	social	social	ADJ
ajis02-751	269	36	factors	factor	NOUN
ajis02-751	269	37	could	could	AUX
ajis02-751	269	38	predict	predict	VERB
ajis02-751	269	39	(	(	PUNCT
ajis02-751	269	40	r	r	NOUN
ajis02-751	269	41	2	2	NUM
ajis02-751	269	42	change	change	NOUN
ajis02-751	269	43	=	=	NOUN
ajis02-751	269	44	0.05	0.05	NUM
ajis02-751	269	45	,	,	PUNCT
ajis02-751	269	46	f	f	PROPN
ajis02-751	269	47	change	change	NOUN
ajis02-751	269	48	=	=	PUNCT
ajis02-751	269	49	35.49	35.49	NUM
ajis02-751	269	50	,	,	PUNCT
ajis02-751	269	51	p	p	X
ajis02-751	269	52	<	<	X
ajis02-751	269	53	0.001	0.001	NUM
ajis02-751	269	54	)	)	PUNCT
ajis02-751	269	55	.	.	PUNCT
ajis02-751	270	1	thus	thus	ADV
ajis02-751	270	2	,	,	PUNCT
ajis02-751	270	3	the	the	DET
ajis02-751	270	4	value	value	NOUN
ajis02-751	270	5	for	for	ADP
ajis02-751	270	6	money	money	NOUN
ajis02-751	270	7	factors	factor	NOUN
ajis02-751	270	8	set	set	VERB
ajis02-751	270	9	uniquely	uniquely	ADV
ajis02-751	270	10	accounted	account	VERB
ajis02-751	270	11	for	for	ADP
ajis02-751	270	12	6	6	NUM
ajis02-751	270	13	percent	percent	NOUN
ajis02-751	270	14	of	of	ADP
ajis02-751	270	15	the	the	DET
ajis02-751	270	16	variance	variance	NOUN
ajis02-751	270	17	of	of	ADP
ajis02-751	270	18	continued	continue	VERB
ajis02-751	270	19	use	use	NOUN
ajis02-751	270	20	of	of	ADP
ajis02-751	270	21	internet	internet	NOUN
ajis02-751	270	22	banking	banking	NOUN
ajis02-751	270	23	over	over	ADP
ajis02-751	270	24	and	and	CCONJ
ajis02-751	270	25	above	above	ADP
ajis02-751	270	26	the	the	DET
ajis02-751	270	27	previously	previously	ADV
ajis02-751	270	28	entered	enter	VERB
ajis02-751	270	29	sets	set	NOUN
ajis02-751	270	30	.	.	PUNCT
ajis02-751	271	1	thus	thus	ADV
ajis02-751	271	2	,	,	PUNCT
ajis02-751	271	3	respondents	respondent	NOUN
ajis02-751	271	4	who	who	PRON
ajis02-751	271	5	strongly	strongly	ADV
ajis02-751	271	6	agreed	agree	VERB
ajis02-751	271	7	on	on	ADP
ajis02-751	271	8	the	the	DET
ajis02-751	271	9	value	value	NOUN
ajis02-751	271	10	for	for	ADP
ajis02-751	271	11	money	money	NOUN
ajis02-751	271	12	factors	factor	NOUN
ajis02-751	271	13	also	also	ADV
ajis02-751	271	14	tended	tend	VERB
ajis02-751	271	15	to	to	PART
ajis02-751	271	16	strongly	strongly	ADV
ajis02-751	271	17	agree	agree	VERB
ajis02-751	271	18	on	on	ADP
ajis02-751	271	19	their	their	PRON
ajis02-751	271	20	significant	significant	ADJ
ajis02-751	271	21	increase	increase	NOUN
ajis02-751	271	22	in	in	ADP
ajis02-751	271	23	continued	continued	ADJ
ajis02-751	271	24	use	use	NOUN
ajis02-751	271	25	of	of	ADP
ajis02-751	271	26	internet	internet	NOUN
ajis02-751	271	27	banking	banking	NOUN
ajis02-751	271	28	.	.	PUNCT
ajis02-751	272	1	model	model	NOUN
ajis02-751	272	2	variable	variable	PROPN
ajis02-751	272	3	set	set	VERB
ajis02-751	272	4	r2	r2	PROPN
ajis02-751	272	5	change	change	NOUN
ajis02-751	272	6	df	df	PROPN
ajis02-751	272	7	f	f	AUX
ajis02-751	272	8	change	change	VERB
ajis02-751	272	9	sig	sig	NOUN
ajis02-751	272	10	.	.	PUNCT
ajis02-751	273	1	f	f	PROPN
ajis02-751	273	2	change	change	VERB
ajis02-751	273	3	variable	variable	NOUN
ajis02-751	273	4	sr2	sr2	PROPN
ajis02-751	273	5	partial	partial	ADJ
ajis02-751	273	6	f	f	PROPN
ajis02-751	273	7	sig	sig	PROPN
ajis02-751	273	8	.	.	PROPN
ajis02-751	273	9	1	1	NUM
ajis02-751	273	10	demographic	demographic	ADJ
ajis02-751	273	11	characteristics	characteristic	NOUN
ajis02-751	273	12	0.01	0.01	NUM
ajis02-751	273	13	6	6	NUM
ajis02-751	273	14	0.85	0.85	NUM
ajis02-751	273	15	0.52	0.52	NUM
ajis02-751	273	16	ns	ns	NUM
ajis02-751	273	17	2	2	NUM
ajis02-751	273	18	technology	technology	NOUN
ajis02-751	273	19	factors	factor	NOUN
ajis02-751	273	20	0.23	0.23	NUM
ajis02-751	273	21	2	2	NUM
ajis02-751	273	22	55.87	55.87	NUM
ajis02-751	273	23	<	<	X
ajis02-751	273	24	0.001	0.001	NUM
ajis02-751	273	25	*	*	VERB
ajis02-751	273	26	perceived	perceive	VERB
ajis02-751	273	27	usability	usability	NOUN
ajis02-751	273	28	0.45	0.45	NUM
ajis02-751	273	29	10.04	10.04	NUM
ajis02-751	273	30	<	<	X
ajis02-751	273	31	0.001	0.001	NUM
ajis02-751	273	32	*	*	VERB
ajis02-751	273	33	perceived	perceive	VERB
ajis02-751	273	34	trialability	trialability	NOUN
ajis02-751	273	35	0.18	0.18	NUM
ajis02-751	273	36	2.38	2.38	NUM
ajis02-751	273	37	<	<	X
ajis02-751	273	38	0.001	0.001	NUM
ajis02-751	273	39	*	*	SYM
ajis02-751	273	40	3	3	NUM
ajis02-751	273	41	channel	channel	NOUN
ajis02-751	273	42	factors	factor	NOUN
ajis02-751	273	43	0.13	0.13	NUM
ajis02-751	273	44	2	2	NUM
ajis02-751	273	45	38.31	38.31	NUM
ajis02-751	273	46	<	<	NOUN
ajis02-751	273	47	0.001	0.001	NUM
ajis02-751	273	48	*	*	VERB
ajis02-751	273	49	perceived	perceive	VERB
ajis02-751	273	50	safety	safety	NOUN
ajis02-751	273	51	perceived	perceive	VERB
ajis02-751	273	52	specialty	specialty	NOUN
ajis02-751	273	53	0.23	0.23	NUM
ajis02-751	273	54	0.19	0.19	NUM
ajis02-751	273	55	5.69	5.69	NUM
ajis02-751	273	56	4.79	4.79	NUM
ajis02-751	273	57	<	<	X
ajis02-751	273	58	0.001	0.001	NUM
ajis02-751	273	59	*	*	PUNCT
ajis02-751	273	60	<	<	X
ajis02-751	273	61	0.001	0.001	NUM
ajis02-751	273	62	*	*	SYM
ajis02-751	273	63	4	4	NUM
ajis02-751	273	64	social	social	ADJ
ajis02-751	273	65	factors	factor	NOUN
ajis02-751	273	66	0.001	0.001	NUM
ajis02-751	273	67	1	1	NUM
ajis02-751	273	68	0.19	0.19	NUM
ajis02-751	273	69	0.66	0.66	NUM
ajis02-751	273	70	ns	ns	NUM
ajis02-751	273	71	5	5	NUM
ajis02-751	273	72	value	value	NOUN
ajis02-751	273	73	for	for	ADP
ajis02-751	273	74	money	money	NOUN
ajis02-751	273	75	factors	factor	NOUN
ajis02-751	273	76	0.05	0.05	NUM
ajis02-751	273	77	1	1	NUM
ajis02-751	273	78	35.49	35.49	NUM
ajis02-751	273	79	<	<	X
ajis02-751	273	80	0.001	0.001	NUM
ajis02-751	273	81	*	*	NOUN
ajis02-751	273	82	value	value	NOUN
ajis02-751	273	83	for	for	ADP
ajis02-751	273	84	money	money	NOUN
ajis02-751	273	85	factors	factor	NOUN
ajis02-751	273	86	0.23	0.23	NUM
ajis02-751	273	87	35.49	35.49	NUM
ajis02-751	273	88	<	<	X
ajis02-751	273	89	0.001	0.001	NUM
ajis02-751	273	90	*	*	PUNCT
ajis02-751	273	91	overall	overall	ADJ
ajis02-751	273	92	model	model	NOUN
ajis02-751	273	93	r	r	NOUN
ajis02-751	273	94	2	2	NUM
ajis02-751	273	95	=	=	SYM
ajis02-751	273	96	0.42	0.42	NUM
ajis02-751	273	97	,	,	PUNCT
ajis02-751	273	98	adjusted	adjust	VERB
ajis02-751	273	99	r	r	NOUN
ajis02-751	273	100	2	2	NUM
ajis02-751	273	101	=	=	SYM
ajis02-751	273	102	0.39	0.39	NUM
ajis02-751	273	103	,	,	PUNCT
ajis02-751	273	104	f	f	PROPN
ajis02-751	273	105	=	=	SYM
ajis02-751	273	106	20.34	20.34	NUM
ajis02-751	273	107	,	,	PUNCT
ajis02-751	273	108	<	<	X
ajis02-751	273	109	0.001	0.001	NUM
ajis02-751	273	110	*	*	PUNCT
ajis02-751	273	111	*	*	PUNCT
ajis02-751	273	112	≤	≤	NOUN
ajis02-751	273	113	0.05	0.05	NUM
ajis02-751	273	114	considered	consider	VERB
ajis02-751	273	115	significant	significant	ADJ
ajis02-751	273	116	0.05	0.05	NUM
ajis02-751	273	117	<	<	X
ajis02-751	273	118	p	p	X
ajis02-751	273	119	≤	≤	NUM
ajis02-751	273	120	0.10	0.10	NUM
ajis02-751	273	121	considered	consider	VERB
ajis02-751	273	122	marginally	marginally	ADV
ajis02-751	273	123	significant	significant	ADJ
ajis02-751	273	124	table	table	NOUN
ajis02-751	273	125	8	8	NUM
ajis02-751	273	126	:	:	PUNCT
ajis02-751	273	127	hierarchical	hierarchical	ADJ
ajis02-751	273	128	multiple	multiple	ADJ
ajis02-751	273	129	regression	regression	NOUN
ajis02-751	273	130	model	model	NOUN
ajis02-751	273	131	summary	summary	NOUN
ajis02-751	273	132	table	table	NOUN
ajis02-751	273	133	ix	ix	PRON
ajis02-751	273	134	provides	provide	VERB
ajis02-751	273	135	the	the	DET
ajis02-751	273	136	hypotheses	hypothesis	NOUN
ajis02-751	273	137	testing	test	VERB
ajis02-751	273	138	outcomes	outcome	NOUN
ajis02-751	273	139	of	of	ADP
ajis02-751	273	140	the	the	DET
ajis02-751	273	141	hierarchical	hierarchical	ADJ
ajis02-751	273	142	multiple	multiple	ADJ
ajis02-751	273	143	regression	regression	NOUN
ajis02-751	273	144	analyses	analysis	NOUN
ajis02-751	273	145	performed	perform	VERB
ajis02-751	273	146	with	with	ADP
ajis02-751	273	147	continued	continued	ADJ
ajis02-751	273	148	use	use	NOUN
ajis02-751	273	149	of	of	ADP
ajis02-751	273	150	internet	internet	NOUN
ajis02-751	273	151	banking	banking	NOUN
ajis02-751	273	152	as	as	ADP
ajis02-751	273	153	a	a	DET
ajis02-751	273	154	dependent	dependent	ADJ
ajis02-751	273	155	variable	variable	NOUN
ajis02-751	273	156	.	.	PUNCT
ajis02-751	274	1	australasian	australasian	ADJ
ajis02-751	274	2	journal	journal	NOUN
ajis02-751	274	3	of	of	ADP
ajis02-751	274	4	information	information	NOUN
ajis02-751	274	5	systems	system	NOUN
ajis02-751	274	6	volume	volume	NOUN
ajis02-751	274	7	18	18	NUM
ajis02-751	274	8	number1	number1	NOUN
ajis02-751	274	9	2013	2013	NUM
ajis02-751	274	10	21	21	NUM
ajis02-751	274	11	hypothesis	hypothesis	NOUN
ajis02-751	274	12	result	result	NOUN
ajis02-751	274	13	h1	h1	PROPN
ajis02-751	274	14	:	:	PUNCT
ajis02-751	274	15	identified	identify	VERB
ajis02-751	274	16	technology	technology	NOUN
ajis02-751	274	17	factors	factor	NOUN
ajis02-751	274	18	will	will	AUX
ajis02-751	274	19	significantly	significantly	ADV
ajis02-751	274	20	predict	predict	VERB
ajis02-751	274	21	continued	continue	VERB
ajis02-751	274	22	use	use	NOUN
ajis02-751	274	23	of	of	ADP
ajis02-751	274	24	internet	internet	NOUN
ajis02-751	274	25	banking	banking	NOUN
ajis02-751	274	26	over	over	ADP
ajis02-751	274	27	and	and	CCONJ
ajis02-751	274	28	above	above	ADP
ajis02-751	274	29	the	the	DET
ajis02-751	274	30	influence	influence	NOUN
ajis02-751	274	31	of	of	ADP
ajis02-751	274	32	the	the	DET
ajis02-751	274	33	demographic	demographic	ADJ
ajis02-751	274	34	control	control	NOUN
ajis02-751	274	35	variables	variable	NOUN
ajis02-751	274	36	.	.	PUNCT
ajis02-751	275	1	h1a	h1a	NOUN
ajis02-751	275	2	:	:	PUNCT
ajis02-751	275	3	identified	identify	VERB
ajis02-751	275	4	perceived	perceive	VERB
ajis02-751	275	5	usability	usability	NOUN
ajis02-751	275	6	component	component	NOUN
ajis02-751	275	7	of	of	ADP
ajis02-751	275	8	the	the	DET
ajis02-751	275	9	technology	technology	NOUN
ajis02-751	275	10	factors	factor	NOUN
ajis02-751	275	11	will	will	AUX
ajis02-751	275	12	significantly	significantly	ADV
ajis02-751	275	13	predict	predict	VERB
ajis02-751	275	14	continued	continue	VERB
ajis02-751	275	15	use	use	NOUN
ajis02-751	275	16	of	of	ADP
ajis02-751	275	17	internet	internet	NOUN
ajis02-751	275	18	banking	banking	NOUN
ajis02-751	275	19	over	over	ADP
ajis02-751	275	20	and	and	CCONJ
ajis02-751	275	21	above	above	ADP
ajis02-751	275	22	the	the	DET
ajis02-751	275	23	influence	influence	NOUN
ajis02-751	275	24	of	of	ADP
ajis02-751	275	25	the	the	DET
ajis02-751	275	26	demographic	demographic	ADJ
ajis02-751	275	27	control	control	NOUN
ajis02-751	275	28	variables	variable	NOUN
ajis02-751	275	29	.	.	PUNCT
ajis02-751	276	1	h1b	h1b	PROPN
ajis02-751	276	2	:	:	PUNCT
ajis02-751	276	3	identified	identify	VERB
ajis02-751	276	4	perceived	perceive	VERB
ajis02-751	276	5	trialability	trialability	NOUN
ajis02-751	276	6	component	component	NOUN
ajis02-751	276	7	of	of	ADP
ajis02-751	276	8	the	the	DET
ajis02-751	276	9	technology	technology	NOUN
ajis02-751	276	10	factors	factor	NOUN
ajis02-751	276	11	will	will	AUX
ajis02-751	276	12	significantly	significantly	ADV
ajis02-751	276	13	predict	predict	VERB
ajis02-751	276	14	continued	continue	VERB
ajis02-751	276	15	use	use	NOUN
ajis02-751	276	16	of	of	ADP
ajis02-751	276	17	internet	internet	NOUN
ajis02-751	276	18	banking	banking	NOUN
ajis02-751	276	19	over	over	ADP
ajis02-751	276	20	and	and	CCONJ
ajis02-751	276	21	above	above	ADP
ajis02-751	276	22	the	the	DET
ajis02-751	276	23	influence	influence	NOUN
ajis02-751	276	24	of	of	ADP
ajis02-751	276	25	the	the	DET
ajis02-751	276	26	demographic	demographic	ADJ
ajis02-751	276	27	control	control	NOUN
ajis02-751	276	28	variables	variable	NOUN
ajis02-751	276	29	.	.	PUNCT
ajis02-751	277	1	supported	support	VERB
ajis02-751	277	2	supported	support	VERB
ajis02-751	277	3	supported	support	VERB
ajis02-751	277	4	h2	h2	NOUN
ajis02-751	277	5	:	:	PUNCT
ajis02-751	277	6	identified	identify	VERB
ajis02-751	277	7	channel	channel	NOUN
ajis02-751	277	8	factors	factor	NOUN
ajis02-751	277	9	will	will	AUX
ajis02-751	277	10	significantly	significantly	ADV
ajis02-751	277	11	predict	predict	VERB
ajis02-751	277	12	continued	continue	VERB
ajis02-751	277	13	use	use	NOUN
ajis02-751	277	14	of	of	ADP
ajis02-751	277	15	internet	internet	NOUN
ajis02-751	277	16	banking	banking	NOUN
ajis02-751	277	17	over	over	ADP
ajis02-751	277	18	and	and	CCONJ
ajis02-751	277	19	above	above	ADP
ajis02-751	277	20	the	the	DET
ajis02-751	277	21	influence	influence	NOUN
ajis02-751	277	22	of	of	ADP
ajis02-751	277	23	the	the	DET
ajis02-751	277	24	demographic	demographic	ADJ
ajis02-751	277	25	control	control	NOUN
ajis02-751	277	26	variables	variable	NOUN
ajis02-751	277	27	and	and	CCONJ
ajis02-751	277	28	technology	technology	NOUN
ajis02-751	277	29	factors	factor	NOUN
ajis02-751	277	30	.	.	PUNCT
ajis02-751	278	1	h2a	h2a	PRON
ajis02-751	278	2	:	:	PUNCT
ajis02-751	278	3	identified	identify	VERB
ajis02-751	278	4	perceived	perceive	VERB
ajis02-751	278	5	safety	safety	NOUN
ajis02-751	278	6	component	component	NOUN
ajis02-751	278	7	of	of	ADP
ajis02-751	278	8	the	the	DET
ajis02-751	278	9	channel	channel	NOUN
ajis02-751	278	10	factors	factor	NOUN
ajis02-751	278	11	will	will	AUX
ajis02-751	278	12	significantly	significantly	ADV
ajis02-751	278	13	predict	predict	VERB
ajis02-751	278	14	continued	continue	VERB
ajis02-751	278	15	use	use	NOUN
ajis02-751	278	16	of	of	ADP
ajis02-751	278	17	internet	internet	NOUN
ajis02-751	278	18	banking	banking	NOUN
ajis02-751	278	19	over	over	ADP
ajis02-751	278	20	and	and	CCONJ
ajis02-751	278	21	above	above	ADP
ajis02-751	278	22	the	the	DET
ajis02-751	278	23	influence	influence	NOUN
ajis02-751	278	24	of	of	ADP
ajis02-751	278	25	the	the	DET
ajis02-751	278	26	demographic	demographic	ADJ
ajis02-751	278	27	control	control	NOUN
ajis02-751	278	28	variables	variable	NOUN
ajis02-751	278	29	and	and	CCONJ
ajis02-751	278	30	technology	technology	NOUN
ajis02-751	278	31	factors	factor	NOUN
ajis02-751	278	32	.	.	PUNCT
ajis02-751	279	1	h2b	h2b	PROPN
ajis02-751	279	2	:	:	PUNCT
ajis02-751	279	3	identified	identify	VERB
ajis02-751	279	4	perceived	perceive	VERB
ajis02-751	279	5	specialty	specialty	NOUN
ajis02-751	279	6	component	component	NOUN
ajis02-751	279	7	of	of	ADP
ajis02-751	279	8	the	the	DET
ajis02-751	279	9	channel	channel	NOUN
ajis02-751	279	10	factors	factor	NOUN
ajis02-751	279	11	will	will	AUX
ajis02-751	279	12	significantly	significantly	ADV
ajis02-751	279	13	predict	predict	VERB
ajis02-751	279	14	continued	continue	VERB
ajis02-751	279	15	use	use	NOUN
ajis02-751	279	16	of	of	ADP
ajis02-751	279	17	internet	internet	NOUN
ajis02-751	279	18	banking	banking	NOUN
ajis02-751	279	19	over	over	ADP
ajis02-751	279	20	and	and	CCONJ
ajis02-751	279	21	above	above	ADP
ajis02-751	279	22	the	the	DET
ajis02-751	279	23	influence	influence	NOUN
ajis02-751	279	24	of	of	ADP
ajis02-751	279	25	the	the	DET
ajis02-751	279	26	demographic	demographic	ADJ
ajis02-751	279	27	control	control	NOUN
ajis02-751	279	28	variables	variable	NOUN
ajis02-751	279	29	and	and	CCONJ
ajis02-751	279	30	technology	technology	NOUN
ajis02-751	279	31	factors	factor	NOUN
ajis02-751	279	32	.	.	PUNCT
ajis02-751	280	1	supported	support	VERB
ajis02-751	280	2	supported	support	VERB
ajis02-751	280	3	supported	support	VERB
ajis02-751	280	4	h3	h3	NOUN
ajis02-751	280	5	:	:	PUNCT
ajis02-751	280	6	identified	identify	VERB
ajis02-751	280	7	social	social	ADJ
ajis02-751	280	8	factors	factor	NOUN
ajis02-751	280	9	will	will	AUX
ajis02-751	280	10	significantly	significantly	ADV
ajis02-751	280	11	predict	predict	VERB
ajis02-751	280	12	continued	continue	VERB
ajis02-751	280	13	use	use	NOUN
ajis02-751	280	14	of	of	ADP
ajis02-751	280	15	internet	internet	NOUN
ajis02-751	280	16	banking	banking	NOUN
ajis02-751	280	17	over	over	ADP
ajis02-751	280	18	and	and	CCONJ
ajis02-751	280	19	above	above	ADP
ajis02-751	280	20	the	the	DET
ajis02-751	280	21	influence	influence	NOUN
ajis02-751	280	22	of	of	ADP
ajis02-751	280	23	the	the	DET
ajis02-751	280	24	demographic	demographic	ADJ
ajis02-751	280	25	control	control	NOUN
ajis02-751	280	26	variables	variable	NOUN
ajis02-751	280	27	,	,	PUNCT
ajis02-751	280	28	technology	technology	NOUN
ajis02-751	280	29	and	and	CCONJ
ajis02-751	280	30	channel	channel	NOUN
ajis02-751	280	31	factors	factor	NOUN
ajis02-751	280	32	.	.	PUNCT
ajis02-751	281	1	not	not	PART
ajis02-751	281	2	supported	support	VERB
ajis02-751	281	3	h4	h4	NOUN
ajis02-751	281	4	:	:	PUNCT
ajis02-751	281	5	identified	identify	VERB
ajis02-751	281	6	value	value	NOUN
ajis02-751	281	7	for	for	ADP
ajis02-751	281	8	money	money	NOUN
ajis02-751	281	9	factors	factor	NOUN
ajis02-751	281	10	will	will	AUX
ajis02-751	281	11	significantly	significantly	ADV
ajis02-751	281	12	predict	predict	VERB
ajis02-751	281	13	continued	continue	VERB
ajis02-751	281	14	use	use	NOUN
ajis02-751	281	15	of	of	ADP
ajis02-751	281	16	internet	internet	NOUN
ajis02-751	281	17	banking	banking	NOUN
ajis02-751	281	18	over	over	ADP
ajis02-751	281	19	and	and	CCONJ
ajis02-751	281	20	above	above	ADP
ajis02-751	281	21	the	the	DET
ajis02-751	281	22	influence	influence	NOUN
ajis02-751	281	23	of	of	ADP
ajis02-751	281	24	the	the	DET
ajis02-751	281	25	demographic	demographic	ADJ
ajis02-751	281	26	control	control	NOUN
ajis02-751	281	27	variables	variable	NOUN
ajis02-751	281	28	,	,	PUNCT
ajis02-751	281	29	technology	technology	NOUN
ajis02-751	281	30	,	,	PUNCT
ajis02-751	281	31	channel	channel	NOUN
ajis02-751	281	32	and	and	CCONJ
ajis02-751	281	33	social	social	ADJ
ajis02-751	281	34	factors	factor	NOUN
ajis02-751	281	35	.	.	PUNCT
ajis02-751	282	1	supported	support	VERB
ajis02-751	282	2	table	table	NOUN
ajis02-751	282	3	9	9	NUM
ajis02-751	282	4	:	:	PUNCT
ajis02-751	282	5	hypotheses	hypothesis	NOUN
ajis02-751	282	6	testing	test	VERB
ajis02-751	282	7	outcomes	outcome	NOUN
ajis02-751	282	8	discussion	discussion	NOUN
ajis02-751	282	9	the	the	DET
ajis02-751	282	10	results	result	NOUN
ajis02-751	282	11	obtained	obtain	VERB
ajis02-751	282	12	from	from	ADP
ajis02-751	282	13	the	the	DET
ajis02-751	282	14	hierarchical	hierarchical	ADJ
ajis02-751	282	15	multiple	multiple	ADJ
ajis02-751	282	16	regression	regression	NOUN
ajis02-751	282	17	show	show	VERB
ajis02-751	282	18	the	the	DET
ajis02-751	282	19	influence	influence	NOUN
ajis02-751	282	20	of	of	ADP
ajis02-751	282	21	value	value	NOUN
ajis02-751	282	22	for	for	ADP
ajis02-751	282	23	money	money	NOUN
ajis02-751	282	24	,	,	PUNCT
ajis02-751	282	25	channel	channel	NOUN
ajis02-751	282	26	and	and	CCONJ
ajis02-751	282	27	technology	technology	NOUN
ajis02-751	282	28	factors	factor	NOUN
ajis02-751	282	29	on	on	ADP
ajis02-751	282	30	consumers	consumer	NOUN
ajis02-751	282	31	’	'	PUNCT
ajis02-751	282	32	continued	continue	VERB
ajis02-751	282	33	use	use	NOUN
ajis02-751	282	34	of	of	ADP
ajis02-751	282	35	internet	internet	NOUN
ajis02-751	282	36	banking	banking	NOUN
ajis02-751	282	37	.	.	PUNCT
ajis02-751	283	1	as	as	SCONJ
ajis02-751	283	2	the	the	DET
ajis02-751	283	3	objective	objective	NOUN
ajis02-751	283	4	of	of	ADP
ajis02-751	283	5	the	the	DET
ajis02-751	283	6	study	study	NOUN
ajis02-751	283	7	was	be	AUX
ajis02-751	283	8	to	to	PART
ajis02-751	283	9	identify	identify	VERB
ajis02-751	283	10	variables	variable	NOUN
ajis02-751	283	11	of	of	ADP
ajis02-751	283	12	theoretical	theoretical	ADJ
ajis02-751	283	13	importance	importance	NOUN
ajis02-751	283	14	,	,	PUNCT
ajis02-751	283	15	demographic	demographic	ADJ
ajis02-751	283	16	variables	variable	NOUN
ajis02-751	283	17	were	be	AUX
ajis02-751	283	18	controlled	control	VERB
ajis02-751	283	19	.	.	PUNCT
ajis02-751	284	1	as	as	SCONJ
ajis02-751	284	2	such	such	ADJ
ajis02-751	284	3	demographic	demographic	ADJ
ajis02-751	284	4	variables	variable	NOUN
ajis02-751	284	5	did	do	AUX
ajis02-751	284	6	not	not	PART
ajis02-751	284	7	exert	exert	VERB
ajis02-751	284	8	any	any	DET
ajis02-751	284	9	influence	influence	NOUN
ajis02-751	284	10	on	on	ADP
ajis02-751	284	11	consumers	consumer	NOUN
ajis02-751	284	12	’	'	PUNCT
ajis02-751	284	13	continued	continue	VERB
ajis02-751	284	14	use	use	NOUN
ajis02-751	284	15	of	of	ADP
ajis02-751	284	16	internet	internet	NOUN
ajis02-751	284	17	banking	banking	NOUN
ajis02-751	284	18	.	.	PUNCT
ajis02-751	285	1	similarly	similarly	ADV
ajis02-751	285	2	,	,	PUNCT
ajis02-751	285	3	social	social	ADJ
ajis02-751	285	4	factors	factor	NOUN
ajis02-751	285	5	did	do	AUX
ajis02-751	285	6	not	not	PART
ajis02-751	285	7	exert	exert	VERB
ajis02-751	285	8	any	any	DET
ajis02-751	285	9	significant	significant	ADJ
ajis02-751	285	10	influence	influence	NOUN
ajis02-751	285	11	on	on	ADP
ajis02-751	285	12	consumers	consumer	NOUN
ajis02-751	285	13	’	'	PUNCT
ajis02-751	285	14	continued	continue	VERB
ajis02-751	285	15	use	use	NOUN
ajis02-751	285	16	of	of	ADP
ajis02-751	285	17	internet	internet	NOUN
ajis02-751	285	18	banking	banking	NOUN
ajis02-751	285	19	as	as	ADP
ajis02-751	285	20	the	the	DET
ajis02-751	285	21	comfort	comfort	NOUN
ajis02-751	285	22	levels	level	NOUN
ajis02-751	285	23	of	of	ADP
ajis02-751	285	24	the	the	DET
ajis02-751	285	25	consumers	consumer	NOUN
ajis02-751	285	26	’	'	PUNCT
ajis02-751	285	27	increases	increase	NOUN
ajis02-751	285	28	from	from	ADP
ajis02-751	285	29	their	their	PRON
ajis02-751	285	30	pre	pre	NOUN
ajis02-751	285	31	-	-	NOUN
ajis02-751	285	32	adoption	adoption	NOUN
ajis02-751	285	33	and	and	CCONJ
ajis02-751	285	34	adoption	adoption	NOUN
ajis02-751	285	35	processes	process	NOUN
ajis02-751	285	36	.	.	PUNCT
ajis02-751	286	1	it	it	PRON
ajis02-751	286	2	had	have	AUX
ajis02-751	286	3	been	be	AUX
ajis02-751	286	4	expected	expect	VERB
ajis02-751	286	5	that	that	SCONJ
ajis02-751	286	6	the	the	PRON
ajis02-751	286	7	more	more	ADV
ajis02-751	286	8	the	the	DET
ajis02-751	286	9	influence	influence	NOUN
ajis02-751	286	10	of	of	ADP
ajis02-751	286	11	the	the	DET
ajis02-751	286	12	salient	salient	NOUN
ajis02-751	286	13	referent	referent	NOUN
ajis02-751	286	14	groups	group	NOUN
ajis02-751	286	15	such	such	ADJ
ajis02-751	286	16	as	as	ADP
ajis02-751	286	17	friends	friend	NOUN
ajis02-751	286	18	,	,	PUNCT
ajis02-751	286	19	colleagues	colleague	NOUN
ajis02-751	286	20	and	and	CCONJ
ajis02-751	286	21	family	family	NOUN
ajis02-751	286	22	to	to	ADP
ajis02-751	286	23	the	the	DET
ajis02-751	286	24	consumer	consumer	NOUN
ajis02-751	286	25	,	,	PUNCT
ajis02-751	286	26	the	the	DET
ajis02-751	286	27	more	more	ADV
ajis02-751	286	28	would	would	AUX
ajis02-751	286	29	be	be	AUX
ajis02-751	286	30	the	the	DET
ajis02-751	286	31	usage	usage	NOUN
ajis02-751	286	32	of	of	ADP
ajis02-751	286	33	internet	internet	NOUN
ajis02-751	286	34	banking	banking	NOUN
ajis02-751	286	35	by	by	ADP
ajis02-751	286	36	the	the	DET
ajis02-751	286	37	consumer	consumer	NOUN
ajis02-751	286	38	on	on	ADP
ajis02-751	286	39	a	a	DET
ajis02-751	286	40	continued	continued	ADJ
ajis02-751	286	41	basis	basis	NOUN
ajis02-751	286	42	.	.	PUNCT
ajis02-751	287	1	it	it	PRON
ajis02-751	287	2	was	be	AUX
ajis02-751	287	3	assumed	assume	VERB
ajis02-751	287	4	that	that	SCONJ
ajis02-751	287	5	general	general	ADJ
ajis02-751	287	6	banking	banking	NOUN
ajis02-751	287	7	transactions	transaction	NOUN
ajis02-751	287	8	may	may	AUX
ajis02-751	287	9	have	have	AUX
ajis02-751	287	10	been	be	AUX
ajis02-751	287	11	seen	see	VERB
ajis02-751	287	12	to	to	PART
ajis02-751	287	13	be	be	AUX
ajis02-751	287	14	too	too	ADV
ajis02-751	287	15	private	private	ADJ
ajis02-751	287	16	and	and	CCONJ
ajis02-751	287	17	confidential	confidential	ADJ
ajis02-751	287	18	an	an	DET
ajis02-751	287	19	activity	activity	NOUN
ajis02-751	287	20	for	for	SCONJ
ajis02-751	287	21	respondents	respondent	NOUN
ajis02-751	287	22	to	to	PART
ajis02-751	287	23	discuss	discuss	VERB
ajis02-751	287	24	in	in	ADP
ajis02-751	287	25	surveys	survey	NOUN
ajis02-751	287	26	.	.	PUNCT
ajis02-751	288	1	therefore	therefore	ADV
ajis02-751	288	2	,	,	PUNCT
ajis02-751	288	3	consumers	consumer	NOUN
ajis02-751	288	4	may	may	AUX
ajis02-751	288	5	not	not	PART
ajis02-751	288	6	be	be	AUX
ajis02-751	288	7	interested	interested	ADJ
ajis02-751	288	8	in	in	ADP
ajis02-751	288	9	discussing	discuss	VERB
ajis02-751	288	10	their	their	PRON
ajis02-751	288	11	banking	banking	NOUN
ajis02-751	288	12	transactions	transaction	NOUN
ajis02-751	288	13	with	with	ADP
ajis02-751	288	14	others	other	NOUN
ajis02-751	288	15	within	within	ADP
ajis02-751	288	16	their	their	PRON
ajis02-751	288	17	social	social	ADJ
ajis02-751	288	18	and	and	CCONJ
ajis02-751	288	19	family	family	NOUN
ajis02-751	288	20	groups	group	NOUN
ajis02-751	288	21	,	,	PUNCT
ajis02-751	288	22	thus	thus	ADV
ajis02-751	288	23	reducing	reduce	VERB
ajis02-751	288	24	their	their	PRON
ajis02-751	288	25	potential	potential	ADJ
ajis02-751	288	26	influence	influence	NOUN
ajis02-751	288	27	on	on	ADP
ajis02-751	288	28	the	the	DET
ajis02-751	288	29	usage	usage	NOUN
ajis02-751	288	30	of	of	ADP
ajis02-751	288	31	internet	internet	NOUN
ajis02-751	288	32	banking	banking	NOUN
ajis02-751	288	33	.	.	PUNCT
ajis02-751	289	1	maybe	maybe	ADV
ajis02-751	289	2	the	the	DET
ajis02-751	289	3	referent	referent	NOUN
ajis02-751	289	4	group	group	NOUN
ajis02-751	289	5	influence	influence	NOUN
ajis02-751	289	6	could	could	AUX
ajis02-751	289	7	be	be	AUX
ajis02-751	289	8	contended	contend	VERB
ajis02-751	289	9	to	to	PART
ajis02-751	289	10	apply	apply	VERB
ajis02-751	289	11	to	to	ADP
ajis02-751	289	12	pre	pre	ADJ
ajis02-751	289	13	-	-	VERB
ajis02-751	289	14	purchase	purchase	VERB
ajis02-751	289	15	and	and	CCONJ
ajis02-751	289	16	purchase	purchase	VERB
ajis02-751	289	17	stages	stage	NOUN
ajis02-751	289	18	of	of	ADP
ajis02-751	289	19	the	the	DET
ajis02-751	289	20	consumer	consumer	NOUN
ajis02-751	289	21	decision	decision	NOUN
ajis02-751	289	22	-	-	PUNCT
ajis02-751	289	23	making	make	VERB
ajis02-751	289	24	process	process	NOUN
ajis02-751	289	25	,	,	PUNCT
ajis02-751	289	26	during	during	ADP
ajis02-751	289	27	which	which	PRON
ajis02-751	289	28	,	,	PUNCT
ajis02-751	289	29	due	due	ADP
ajis02-751	289	30	to	to	ADP
ajis02-751	289	31	the	the	DET
ajis02-751	289	32	general	general	ADJ
ajis02-751	289	33	apprehension	apprehension	NOUN
ajis02-751	289	34	associated	associate	VERB
ajis02-751	289	35	with	with	ADP
ajis02-751	289	36	a	a	DET
ajis02-751	289	37	service	service	NOUN
ajis02-751	289	38	innovation	innovation	NOUN
ajis02-751	289	39	,	,	PUNCT
ajis02-751	289	40	consumers	consumer	NOUN
ajis02-751	289	41	tend	tend	VERB
ajis02-751	289	42	to	to	PART
ajis02-751	289	43	discuss	discuss	VERB
ajis02-751	289	44	the	the	DET
ajis02-751	289	45	behaviour	behaviour	NOUN
ajis02-751	289	46	under	under	ADP
ajis02-751	289	47	australasian	australasian	ADJ
ajis02-751	289	48	journal	journal	NOUN
ajis02-751	289	49	of	of	ADP
ajis02-751	289	50	information	information	NOUN
ajis02-751	289	51	systems	system	NOUN
ajis02-751	289	52	volume	volume	NOUN
ajis02-751	289	53	18	18	NUM
ajis02-751	289	54	number1	number1	NOUN
ajis02-751	289	55	2013	2013	NUM
ajis02-751	289	56	22	22	NUM
ajis02-751	289	57	question	question	NOUN
ajis02-751	289	58	with	with	ADP
ajis02-751	289	59	salient	salient	ADJ
ajis02-751	289	60	referent	referent	NOUN
ajis02-751	289	61	groups	group	NOUN
ajis02-751	289	62	.	.	PUNCT
ajis02-751	290	1	during	during	ADP
ajis02-751	290	2	the	the	DET
ajis02-751	290	3	post	post	ADJ
ajis02-751	290	4	-	-	ADJ
ajis02-751	290	5	purchase	purchase	ADJ
ajis02-751	290	6	stage	stage	NOUN
ajis02-751	290	7	,	,	PUNCT
ajis02-751	290	8	the	the	DET
ajis02-751	290	9	influence	influence	NOUN
ajis02-751	290	10	of	of	ADP
ajis02-751	290	11	the	the	DET
ajis02-751	290	12	referent	referent	ADJ
ajis02-751	290	13	groups	group	NOUN
ajis02-751	290	14	might	might	AUX
ajis02-751	290	15	drastically	drastically	ADV
ajis02-751	290	16	reduce	reduce	VERB
ajis02-751	290	17	as	as	SCONJ
ajis02-751	290	18	consumers	consumer	NOUN
ajis02-751	290	19	become	become	VERB
ajis02-751	290	20	more	more	ADV
ajis02-751	290	21	accustomed	accustomed	ADJ
ajis02-751	290	22	to	to	ADP
ajis02-751	290	23	the	the	DET
ajis02-751	290	24	use	use	NOUN
ajis02-751	290	25	of	of	ADP
ajis02-751	290	26	internet	internet	NOUN
ajis02-751	290	27	-	-	PUNCT
ajis02-751	290	28	based	base	VERB
ajis02-751	290	29	transactions	transaction	NOUN
ajis02-751	290	30	.	.	PUNCT
ajis02-751	291	1	further	far	ADV
ajis02-751	291	2	,	,	PUNCT
ajis02-751	291	3	as	as	SCONJ
ajis02-751	291	4	consumers	consumer	NOUN
ajis02-751	291	5	use	use	VERB
ajis02-751	291	6	internet	internet	NOUN
ajis02-751	291	7	banking	banking	NOUN
ajis02-751	291	8	in	in	ADP
ajis02-751	291	9	the	the	DET
ajis02-751	291	10	post	post	ADJ
ajis02-751	291	11	-	-	ADJ
ajis02-751	291	12	purchase	purchase	ADJ
ajis02-751	291	13	stage	stage	NOUN
ajis02-751	291	14	more	more	ADV
ajis02-751	291	15	continuously	continuously	ADV
ajis02-751	291	16	and	and	CCONJ
ajis02-751	291	17	frequently	frequently	ADV
ajis02-751	291	18	,	,	PUNCT
ajis02-751	291	19	their	their	PRON
ajis02-751	291	20	familiarity	familiarity	NOUN
ajis02-751	291	21	with	with	ADP
ajis02-751	291	22	the	the	DET
ajis02-751	291	23	service	service	NOUN
ajis02-751	291	24	delivery	delivery	NOUN
ajis02-751	291	25	channel	channel	NOUN
ajis02-751	291	26	and	and	CCONJ
ajis02-751	291	27	presence	presence	NOUN
ajis02-751	291	28	of	of	ADP
ajis02-751	291	29	the	the	DET
ajis02-751	291	30	trialability	trialability	NOUN
ajis02-751	291	31	option	option	NOUN
ajis02-751	291	32	encourages	encourage	VERB
ajis02-751	291	33	them	they	PRON
ajis02-751	291	34	to	to	PART
ajis02-751	291	35	use	use	VERB
ajis02-751	291	36	and	and	CCONJ
ajis02-751	291	37	try	try	VERB
ajis02-751	291	38	on	on	ADP
ajis02-751	291	39	their	their	PRON
ajis02-751	291	40	own	own	ADJ
ajis02-751	291	41	,	,	PUNCT
ajis02-751	291	42	rather	rather	ADV
ajis02-751	291	43	than	than	ADP
ajis02-751	291	44	involving	involve	VERB
ajis02-751	291	45	social	social	ADJ
ajis02-751	291	46	channels	channel	NOUN
ajis02-751	291	47	.	.	PUNCT
ajis02-751	292	1	in	in	ADP
ajis02-751	292	2	the	the	DET
ajis02-751	292	3	pre	pre	ADJ
ajis02-751	292	4	-	-	ADJ
ajis02-751	292	5	specified	specified	ADJ
ajis02-751	292	6	hierarchical	hierarchical	ADJ
ajis02-751	292	7	order	order	NOUN
ajis02-751	292	8	of	of	ADP
ajis02-751	292	9	importance	importance	NOUN
ajis02-751	292	10	,	,	PUNCT
ajis02-751	292	11	value	value	NOUN
ajis02-751	292	12	for	for	ADP
ajis02-751	292	13	money	money	NOUN
ajis02-751	292	14	,	,	PUNCT
ajis02-751	292	15	channel	channel	NOUN
ajis02-751	292	16	and	and	CCONJ
ajis02-751	292	17	technology	technology	NOUN
ajis02-751	292	18	factors	factor	NOUN
ajis02-751	292	19	were	be	AUX
ajis02-751	292	20	identified	identify	VERB
ajis02-751	292	21	to	to	PART
ajis02-751	292	22	exert	exert	VERB
ajis02-751	292	23	significant	significant	ADJ
ajis02-751	292	24	impact	impact	NOUN
ajis02-751	292	25	on	on	ADP
ajis02-751	292	26	consumers	consumer	NOUN
ajis02-751	292	27	’	'	PUNCT
ajis02-751	292	28	continued	continue	VERB
ajis02-751	292	29	use	use	NOUN
ajis02-751	292	30	of	of	ADP
ajis02-751	292	31	internet	internet	NOUN
ajis02-751	292	32	banking	banking	NOUN
ajis02-751	292	33	.	.	PUNCT
ajis02-751	293	1	thus	thus	ADV
ajis02-751	293	2	,	,	PUNCT
ajis02-751	293	3	during	during	ADP
ajis02-751	293	4	the	the	DET
ajis02-751	293	5	consumers	consumer	NOUN
ajis02-751	293	6	’	'	PUNCT
ajis02-751	293	7	post	post	ADJ
ajis02-751	293	8	-	-	ADJ
ajis02-751	293	9	adoption	adoption	ADJ
ajis02-751	293	10	process	process	NOUN
ajis02-751	293	11	,	,	PUNCT
ajis02-751	293	12	consumers	consumer	NOUN
ajis02-751	293	13	’	’	PART
ajis02-751	293	14	perceptions	perception	NOUN
ajis02-751	293	15	of	of	ADP
ajis02-751	293	16	the	the	DET
ajis02-751	293	17	value	value	NOUN
ajis02-751	293	18	for	for	ADP
ajis02-751	293	19	money	money	NOUN
ajis02-751	293	20	component	component	NOUN
ajis02-751	293	21	play	play	VERB
ajis02-751	293	22	a	a	DET
ajis02-751	293	23	pivotal	pivotal	ADJ
ajis02-751	293	24	role	role	NOUN
ajis02-751	293	25	by	by	ADP
ajis02-751	293	26	taking	take	VERB
ajis02-751	293	27	into	into	ADP
ajis02-751	293	28	consideration	consideration	NOUN
ajis02-751	293	29	the	the	DET
ajis02-751	293	30	economic	economic	ADJ
ajis02-751	293	31	value	value	NOUN
ajis02-751	293	32	of	of	ADP
ajis02-751	293	33	the	the	DET
ajis02-751	293	34	internet	internet	NOUN
ajis02-751	293	35	banking	banking	NOUN
ajis02-751	293	36	service	service	NOUN
ajis02-751	293	37	delivery	delivery	NOUN
ajis02-751	293	38	channel	channel	NOUN
ajis02-751	293	39	,	,	PUNCT
ajis02-751	293	40	its	its	PRON
ajis02-751	293	41	cost	cost	NOUN
ajis02-751	293	42	effectiveness	effectiveness	NOUN
ajis02-751	293	43	and	and	CCONJ
ajis02-751	293	44	its	its	PRON
ajis02-751	293	45	service	service	NOUN
ajis02-751	293	46	quality	quality	NOUN
ajis02-751	293	47	.	.	PUNCT
ajis02-751	294	1	moreover	moreover	ADV
ajis02-751	294	2	,	,	PUNCT
ajis02-751	294	3	consumers	consumer	NOUN
ajis02-751	294	4	who	who	PRON
ajis02-751	294	5	experienced	experience	VERB
ajis02-751	294	6	internet	internet	NOUN
ajis02-751	294	7	banking	banking	NOUN
ajis02-751	294	8	as	as	ADP
ajis02-751	294	9	safe	safe	ADJ
ajis02-751	294	10	,	,	PUNCT
ajis02-751	294	11	special	special	ADJ
ajis02-751	294	12	,	,	PUNCT
ajis02-751	294	13	secure	secure	ADJ
ajis02-751	294	14	,	,	PUNCT
ajis02-751	294	15	convenient	convenient	ADJ
ajis02-751	294	16	and	and	CCONJ
ajis02-751	294	17	easy	easy	ADJ
ajis02-751	294	18	tend	tend	VERB
ajis02-751	294	19	to	to	PART
ajis02-751	294	20	perform	perform	VERB
ajis02-751	294	21	internet	internet	NOUN
ajis02-751	294	22	banking	banking	NOUN
ajis02-751	294	23	transactions	transaction	NOUN
ajis02-751	294	24	on	on	ADP
ajis02-751	294	25	a	a	DET
ajis02-751	294	26	continuous	continuous	ADJ
ajis02-751	294	27	basis	basis	NOUN
ajis02-751	294	28	,	,	PUNCT
ajis02-751	294	29	thus	thus	ADV
ajis02-751	294	30	indicating	indicate	VERB
ajis02-751	294	31	the	the	DET
ajis02-751	294	32	importance	importance	NOUN
ajis02-751	294	33	of	of	ADP
ajis02-751	294	34	channel	channel	NOUN
ajis02-751	294	35	and	and	CCONJ
ajis02-751	294	36	technology	technology	NOUN
ajis02-751	294	37	factors	factor	NOUN
ajis02-751	294	38	.	.	PUNCT
ajis02-751	295	1	it	it	PRON
ajis02-751	295	2	was	be	AUX
ajis02-751	295	3	expected	expect	VERB
ajis02-751	295	4	that	that	SCONJ
ajis02-751	295	5	the	the	PRON
ajis02-751	295	6	more	more	ADJ
ajis02-751	295	7	consumers	consumer	NOUN
ajis02-751	295	8	perceive	perceive	VERB
ajis02-751	295	9	the	the	DET
ajis02-751	295	10	value	value	NOUN
ajis02-751	295	11	components	component	NOUN
ajis02-751	295	12	associated	associate	VERB
ajis02-751	295	13	with	with	ADP
ajis02-751	295	14	the	the	DET
ajis02-751	295	15	use	use	NOUN
ajis02-751	295	16	of	of	ADP
ajis02-751	295	17	internet	internet	NOUN
ajis02-751	295	18	banking	banking	NOUN
ajis02-751	295	19	service	service	NOUN
ajis02-751	295	20	delivery	delivery	NOUN
ajis02-751	295	21	channel	channel	NOUN
ajis02-751	295	22	,	,	PUNCT
ajis02-751	295	23	the	the	PRON
ajis02-751	295	24	more	more	ADV
ajis02-751	295	25	they	they	PRON
ajis02-751	295	26	use	use	VERB
ajis02-751	295	27	it	it	PRON
ajis02-751	295	28	on	on	ADP
ajis02-751	295	29	a	a	DET
ajis02-751	295	30	continued	continued	ADJ
ajis02-751	295	31	basis	basis	NOUN
ajis02-751	295	32	.	.	PUNCT
ajis02-751	296	1	the	the	DET
ajis02-751	296	2	results	result	NOUN
ajis02-751	296	3	showed	show	VERB
ajis02-751	296	4	that	that	SCONJ
ajis02-751	296	5	consumers	consumer	NOUN
ajis02-751	296	6	clearly	clearly	ADV
ajis02-751	296	7	weigh	weigh	VERB
ajis02-751	296	8	up	up	ADP
ajis02-751	296	9	the	the	DET
ajis02-751	296	10	benefits	benefit	NOUN
ajis02-751	296	11	and	and	CCONJ
ajis02-751	296	12	costs	cost	NOUN
ajis02-751	296	13	associated	associate	VERB
ajis02-751	296	14	with	with	ADP
ajis02-751	296	15	various	various	ADJ
ajis02-751	296	16	banking	banking	NOUN
ajis02-751	296	17	service	service	NOUN
ajis02-751	296	18	delivery	delivery	NOUN
ajis02-751	296	19	channels	channel	NOUN
ajis02-751	296	20	and	and	CCONJ
ajis02-751	296	21	tend	tend	VERB
ajis02-751	296	22	to	to	PART
ajis02-751	296	23	use	use	VERB
ajis02-751	296	24	the	the	DET
ajis02-751	296	25	most	most	ADV
ajis02-751	296	26	profitable	profitable	ADJ
ajis02-751	296	27	one	one	NUM
ajis02-751	296	28	.	.	PUNCT
ajis02-751	297	1	the	the	DET
ajis02-751	297	2	above	above	ADJ
ajis02-751	297	3	discussion	discussion	NOUN
ajis02-751	297	4	was	be	AUX
ajis02-751	297	5	consistent	consistent	ADJ
ajis02-751	297	6	with	with	ADP
ajis02-751	297	7	similar	similar	ADJ
ajis02-751	297	8	prior	prior	ADJ
ajis02-751	297	9	existing	exist	VERB
ajis02-751	297	10	studies	study	NOUN
ajis02-751	297	11	relating	relate	VERB
ajis02-751	297	12	to	to	ADP
ajis02-751	297	13	the	the	DET
ajis02-751	297	14	value	value	NOUN
ajis02-751	297	15	perceptions	perception	NOUN
ajis02-751	297	16	of	of	ADP
ajis02-751	297	17	the	the	DET
ajis02-751	297	18	consumers	consumer	NOUN
ajis02-751	297	19	and	and	CCONJ
ajis02-751	297	20	their	their	PRON
ajis02-751	297	21	subsequent	subsequent	ADJ
ajis02-751	297	22	online	online	ADJ
ajis02-751	297	23	store	store	NOUN
ajis02-751	297	24	choice	choice	NOUN
ajis02-751	297	25	(	(	PUNCT
ajis02-751	297	26	petrick	petrick	NOUN
ajis02-751	297	27	2002	2002	NUM
ajis02-751	297	28	)	)	PUNCT
ajis02-751	297	29	.	.	PUNCT
ajis02-751	298	1	understanding	understand	VERB
ajis02-751	298	2	value	value	NOUN
ajis02-751	298	3	perceptions	perception	NOUN
ajis02-751	298	4	from	from	ADP
ajis02-751	298	5	the	the	DET
ajis02-751	298	6	customer	customer	NOUN
ajis02-751	298	7	perspective	perspective	NOUN
ajis02-751	298	8	is	be	AUX
ajis02-751	298	9	relevant	relevant	ADJ
ajis02-751	298	10	for	for	ADP
ajis02-751	298	11	managing	manage	VERB
ajis02-751	298	12	and	and	CCONJ
ajis02-751	298	13	supporting	support	VERB
ajis02-751	298	14	both	both	CCONJ
ajis02-751	298	15	the	the	DET
ajis02-751	298	16	bank	bank	NOUN
ajis02-751	298	17	’s	’s	PART
ajis02-751	298	18	and	and	CCONJ
ajis02-751	298	19	the	the	DET
ajis02-751	298	20	customer	customer	NOUN
ajis02-751	298	21	’s	’s	PART
ajis02-751	298	22	value	value	NOUN
ajis02-751	298	23	creation	creation	NOUN
ajis02-751	298	24	processes	process	NOUN
ajis02-751	298	25	.	.	PUNCT
ajis02-751	299	1	further	far	ADV
ajis02-751	299	2	,	,	PUNCT
ajis02-751	299	3	understanding	understand	VERB
ajis02-751	299	4	the	the	DET
ajis02-751	299	5	dimensions	dimension	NOUN
ajis02-751	299	6	of	of	ADP
ajis02-751	299	7	the	the	DET
ajis02-751	299	8	value	value	NOUN
ajis02-751	299	9	for	for	ADP
ajis02-751	299	10	money	money	NOUN
ajis02-751	299	11	factors	factor	NOUN
ajis02-751	299	12	in	in	ADP
ajis02-751	299	13	this	this	DET
ajis02-751	299	14	study	study	NOUN
ajis02-751	299	15	complements	complement	VERB
ajis02-751	299	16	previous	previous	ADJ
ajis02-751	299	17	theories	theory	NOUN
ajis02-751	299	18	on	on	ADP
ajis02-751	299	19	customer	customer	NOUN
ajis02-751	299	20	perceived	perceive	VERB
ajis02-751	299	21	value	value	NOUN
ajis02-751	299	22	and	and	CCONJ
ajis02-751	299	23	helps	help	VERB
ajis02-751	299	24	in	in	ADP
ajis02-751	299	25	conceptualisation	conceptualisation	NOUN
ajis02-751	299	26	of	of	ADP
ajis02-751	299	27	the	the	DET
ajis02-751	299	28	value	value	NOUN
ajis02-751	299	29	specific	specific	ADJ
ajis02-751	299	30	to	to	ADP
ajis02-751	299	31	the	the	DET
ajis02-751	299	32	electronic	electronic	ADJ
ajis02-751	299	33	services	service	NOUN
ajis02-751	299	34	.	.	PUNCT
ajis02-751	300	1	financial	financial	ADJ
ajis02-751	300	2	entities	entity	NOUN
ajis02-751	300	3	should	should	AUX
ajis02-751	300	4	provide	provide	VERB
ajis02-751	300	5	service	service	NOUN
ajis02-751	300	6	offers	offer	NOUN
ajis02-751	300	7	that	that	PRON
ajis02-751	300	8	generate	generate	VERB
ajis02-751	300	9	value	value	NOUN
ajis02-751	300	10	to	to	ADP
ajis02-751	300	11	their	their	PRON
ajis02-751	300	12	customers	customer	NOUN
ajis02-751	300	13	in	in	ADP
ajis02-751	300	14	a	a	DET
ajis02-751	300	15	sustained	sustained	ADJ
ajis02-751	300	16	way	way	NOUN
ajis02-751	300	17	,	,	PUNCT
ajis02-751	300	18	in	in	ADP
ajis02-751	300	19	order	order	NOUN
ajis02-751	300	20	to	to	PART
ajis02-751	300	21	attain	attain	VERB
ajis02-751	300	22	a	a	DET
ajis02-751	300	23	competitive	competitive	ADJ
ajis02-751	300	24	advantage	advantage	NOUN
ajis02-751	300	25	and	and	CCONJ
ajis02-751	300	26	maintain	maintain	VERB
ajis02-751	300	27	it	it	PRON
ajis02-751	300	28	over	over	ADP
ajis02-751	300	29	time	time	NOUN
ajis02-751	300	30	.	.	PUNCT
ajis02-751	301	1	thus	thus	ADV
ajis02-751	301	2	,	,	PUNCT
ajis02-751	301	3	bank	bank	NOUN
ajis02-751	301	4	management	management	NOUN
ajis02-751	301	5	,	,	PUNCT
ajis02-751	301	6	marketers	marketer	NOUN
ajis02-751	301	7	and	and	CCONJ
ajis02-751	301	8	service	service	NOUN
ajis02-751	301	9	providers	provider	NOUN
ajis02-751	301	10	should	should	AUX
ajis02-751	301	11	increasingly	increasingly	ADV
ajis02-751	301	12	look	look	VERB
ajis02-751	301	13	at	at	ADP
ajis02-751	301	14	the	the	DET
ajis02-751	301	15	possibilities	possibility	NOUN
ajis02-751	301	16	of	of	ADP
ajis02-751	301	17	providing	provide	VERB
ajis02-751	301	18	business	business	NOUN
ajis02-751	301	19	customer	customer	NOUN
ajis02-751	301	20	value	value	NOUN
ajis02-751	301	21	and	and	CCONJ
ajis02-751	301	22	enhance	enhance	VERB
ajis02-751	301	23	their	their	PRON
ajis02-751	301	24	profitability	profitability	NOUN
ajis02-751	301	25	.	.	PUNCT
ajis02-751	302	1	it	it	PRON
ajis02-751	302	2	had	have	AUX
ajis02-751	302	3	been	be	AUX
ajis02-751	302	4	expected	expect	VERB
ajis02-751	302	5	that	that	SCONJ
ajis02-751	302	6	the	the	DET
ajis02-751	302	7	emerged	emerged	ADJ
ajis02-751	302	8	components	component	NOUN
ajis02-751	302	9	‘	'	PUNCT
ajis02-751	302	10	perceived	perceive	VERB
ajis02-751	302	11	safety	safety	NOUN
ajis02-751	302	12	’	'	PUNCT
ajis02-751	302	13	and	and	CCONJ
ajis02-751	302	14	‘	'	PUNCT
ajis02-751	302	15	perceived	perceive	VERB
ajis02-751	302	16	specialty	specialty	NOUN
ajis02-751	302	17	’	'	PUNCT
ajis02-751	302	18	of	of	ADP
ajis02-751	302	19	the	the	DET
ajis02-751	302	20	channel	channel	NOUN
ajis02-751	302	21	factors	factor	NOUN
ajis02-751	302	22	would	would	AUX
ajis02-751	302	23	enhance	enhance	VERB
ajis02-751	302	24	consumers	consumer	NOUN
ajis02-751	302	25	’	'	PUNCT
ajis02-751	302	26	usage	usage	NOUN
ajis02-751	302	27	of	of	ADP
ajis02-751	302	28	internet	internet	NOUN
ajis02-751	302	29	banking	banking	NOUN
ajis02-751	302	30	on	on	ADP
ajis02-751	302	31	a	a	DET
ajis02-751	302	32	continued	continued	ADJ
ajis02-751	302	33	basis	basis	NOUN
ajis02-751	302	34	.	.	PUNCT
ajis02-751	303	1	the	the	DET
ajis02-751	303	2	first	first	ADJ
ajis02-751	303	3	component	component	NOUN
ajis02-751	303	4	of	of	ADP
ajis02-751	303	5	research	research	NOUN
ajis02-751	303	6	hypothesis	hypothesis	NOUN
ajis02-751	303	7	two	two	NUM
ajis02-751	303	8	and	and	CCONJ
ajis02-751	303	9	its	its	PRON
ajis02-751	303	10	sub	sub	NOUN
ajis02-751	303	11	-	-	NOUN
ajis02-751	303	12	components	component	NOUN
ajis02-751	303	13	were	be	AUX
ajis02-751	303	14	supported	support	VERB
ajis02-751	303	15	,	,	PUNCT
ajis02-751	303	16	as	as	SCONJ
ajis02-751	303	17	perceived	perceive	VERB
ajis02-751	303	18	safety	safety	NOUN
ajis02-751	303	19	and	and	CCONJ
ajis02-751	303	20	perceived	perceive	VERB
ajis02-751	303	21	specialty	specialty	NOUN
ajis02-751	303	22	exhibited	exhibit	VERB
ajis02-751	303	23	a	a	DET
ajis02-751	303	24	significant	significant	ADJ
ajis02-751	303	25	impact	impact	NOUN
ajis02-751	303	26	on	on	ADP
ajis02-751	303	27	consumers	consumer	NOUN
ajis02-751	303	28	’	'	PUNCT
ajis02-751	303	29	continued	continue	VERB
ajis02-751	303	30	usage	usage	NOUN
ajis02-751	303	31	of	of	ADP
ajis02-751	303	32	internet	internet	NOUN
ajis02-751	303	33	banking	banking	NOUN
ajis02-751	303	34	.	.	PUNCT
ajis02-751	304	1	these	these	DET
ajis02-751	304	2	results	result	NOUN
ajis02-751	304	3	showed	show	VERB
ajis02-751	304	4	that	that	SCONJ
ajis02-751	304	5	the	the	DET
ajis02-751	304	6	more	more	ADJ
ajis02-751	304	7	consumers	consumer	NOUN
ajis02-751	304	8	perceive	perceive	VERB
ajis02-751	304	9	their	their	PRON
ajis02-751	304	10	internet	internet	NOUN
ajis02-751	304	11	banking	banking	NOUN
ajis02-751	304	12	service	service	NOUN
ajis02-751	304	13	channel	channel	NOUN
ajis02-751	304	14	as	as	ADV
ajis02-751	304	15	safe	safe	ADJ
ajis02-751	304	16	to	to	PART
ajis02-751	304	17	perform	perform	VERB
ajis02-751	304	18	their	their	PRON
ajis02-751	304	19	banking	banking	NOUN
ajis02-751	304	20	transactions	transaction	NOUN
ajis02-751	304	21	,	,	PUNCT
ajis02-751	304	22	the	the	PRON
ajis02-751	304	23	more	more	ADV
ajis02-751	304	24	they	they	PRON
ajis02-751	304	25	use	use	VERB
ajis02-751	304	26	it	it	PRON
ajis02-751	304	27	on	on	ADP
ajis02-751	304	28	a	a	DET
ajis02-751	304	29	continued	continued	ADJ
ajis02-751	304	30	basis	basis	NOUN
ajis02-751	304	31	.	.	PUNCT
ajis02-751	305	1	a	a	DET
ajis02-751	305	2	further	further	ADJ
ajis02-751	305	3	finding	finding	NOUN
ajis02-751	305	4	was	be	AUX
ajis02-751	305	5	that	that	SCONJ
ajis02-751	305	6	the	the	PRON
ajis02-751	305	7	more	more	ADJ
ajis02-751	305	8	consumers	consumer	NOUN
ajis02-751	305	9	perceive	perceive	VERB
ajis02-751	305	10	that	that	SCONJ
ajis02-751	305	11	they	they	PRON
ajis02-751	305	12	were	be	AUX
ajis02-751	305	13	treated	treat	VERB
ajis02-751	305	14	uniquely	uniquely	ADV
ajis02-751	305	15	whilst	whilst	SCONJ
ajis02-751	305	16	making	make	VERB
ajis02-751	305	17	their	their	PRON
ajis02-751	305	18	online	online	ADJ
ajis02-751	305	19	banking	banking	NOUN
ajis02-751	305	20	transactions	transaction	NOUN
ajis02-751	305	21	,	,	PUNCT
ajis02-751	305	22	the	the	PRON
ajis02-751	305	23	more	more	ADV
ajis02-751	305	24	they	they	PRON
ajis02-751	305	25	tend	tend	VERB
ajis02-751	305	26	to	to	PART
ajis02-751	305	27	use	use	VERB
ajis02-751	305	28	internet	internet	NOUN
ajis02-751	305	29	banking	banking	NOUN
ajis02-751	305	30	on	on	ADP
ajis02-751	305	31	a	a	DET
ajis02-751	305	32	continued	continued	ADJ
ajis02-751	305	33	basis	basis	NOUN
ajis02-751	305	34	.	.	PUNCT
ajis02-751	306	1	the	the	DET
ajis02-751	306	2	perceived	perceive	VERB
ajis02-751	306	3	specialty	specialty	NOUN
ajis02-751	306	4	aspects	aspect	NOUN
ajis02-751	306	5	shed	shed	VERB
ajis02-751	306	6	new	new	ADJ
ajis02-751	306	7	light	light	NOUN
ajis02-751	306	8	on	on	ADP
ajis02-751	306	9	the	the	DET
ajis02-751	306	10	emerging	emerge	VERB
ajis02-751	306	11	research	research	NOUN
ajis02-751	306	12	regarding	regard	VERB
ajis02-751	306	13	consumers	consumer	NOUN
ajis02-751	306	14	’	'	PUNCT
ajis02-751	306	15	usage	usage	NOUN
ajis02-751	306	16	of	of	ADP
ajis02-751	306	17	internet	internet	NOUN
ajis02-751	306	18	banking	banking	NOUN
ajis02-751	306	19	as	as	ADP
ajis02-751	306	20	existing	exist	VERB
ajis02-751	306	21	research	research	NOUN
ajis02-751	306	22	on	on	ADP
ajis02-751	306	23	this	this	DET
ajis02-751	306	24	dimension	dimension	NOUN
ajis02-751	306	25	is	be	AUX
ajis02-751	306	26	scarce	scarce	ADJ
ajis02-751	306	27	.	.	PUNCT
ajis02-751	307	1	it	it	PRON
ajis02-751	307	2	had	have	AUX
ajis02-751	307	3	also	also	ADV
ajis02-751	307	4	been	be	AUX
ajis02-751	307	5	expected	expect	VERB
ajis02-751	307	6	that	that	SCONJ
ajis02-751	307	7	the	the	DET
ajis02-751	307	8	emerged	emerged	ADJ
ajis02-751	307	9	components	component	NOUN
ajis02-751	307	10	‘	'	PUNCT
ajis02-751	307	11	perceived	perceive	VERB
ajis02-751	307	12	usability	usability	NOUN
ajis02-751	307	13	’	'	PUNCT
ajis02-751	307	14	and	and	CCONJ
ajis02-751	307	15	‘	'	PUNCT
ajis02-751	307	16	perceived	perceive	VERB
ajis02-751	307	17	trialability	trialability	NOUN
ajis02-751	307	18	’	'	PUNCT
ajis02-751	307	19	of	of	ADP
ajis02-751	307	20	the	the	DET
ajis02-751	307	21	technology	technology	NOUN
ajis02-751	307	22	factors	factor	NOUN
ajis02-751	307	23	would	would	AUX
ajis02-751	307	24	enhance	enhance	VERB
ajis02-751	307	25	consumers	consumer	NOUN
ajis02-751	307	26	’	'	PUNCT
ajis02-751	307	27	usage	usage	NOUN
ajis02-751	307	28	of	of	ADP
ajis02-751	307	29	internet	internet	NOUN
ajis02-751	307	30	banking	banking	NOUN
ajis02-751	307	31	on	on	ADP
ajis02-751	307	32	a	a	DET
ajis02-751	307	33	continued	continued	ADJ
ajis02-751	307	34	basis	basis	NOUN
ajis02-751	307	35	.	.	PUNCT
ajis02-751	308	1	results	result	NOUN
ajis02-751	308	2	from	from	ADP
ajis02-751	308	3	this	this	DET
ajis02-751	308	4	study	study	NOUN
ajis02-751	308	5	confirm	confirm	VERB
ajis02-751	308	6	the	the	DET
ajis02-751	308	7	positive	positive	ADJ
ajis02-751	308	8	and	and	CCONJ
ajis02-751	308	9	significant	significant	ADJ
ajis02-751	308	10	relationship	relationship	NOUN
ajis02-751	308	11	between	between	ADP
ajis02-751	308	12	perceived	perceive	VERB
ajis02-751	308	13	usability	usability	NOUN
ajis02-751	308	14	and	and	CCONJ
ajis02-751	308	15	perceived	perceive	VERB
ajis02-751	308	16	trialability	trialability	NOUN
ajis02-751	308	17	components	component	NOUN
ajis02-751	308	18	and	and	CCONJ
ajis02-751	308	19	consumers	consumer	NOUN
ajis02-751	308	20	’	'	PUNCT
ajis02-751	308	21	continued	continue	VERB
ajis02-751	308	22	use	use	NOUN
ajis02-751	308	23	of	of	ADP
ajis02-751	308	24	internet	internet	NOUN
ajis02-751	308	25	banking	banking	NOUN
ajis02-751	308	26	.	.	PUNCT
ajis02-751	309	1	these	these	DET
ajis02-751	309	2	results	result	NOUN
ajis02-751	309	3	show	show	VERB
ajis02-751	309	4	that	that	SCONJ
ajis02-751	309	5	consumers	consumer	NOUN
ajis02-751	309	6	often	often	ADV
ajis02-751	309	7	tend	tend	VERB
ajis02-751	309	8	to	to	PART
ajis02-751	309	9	evaluate	evaluate	VERB
ajis02-751	309	10	various	various	ADJ
ajis02-751	309	11	advantageous	advantageous	ADJ
ajis02-751	309	12	aspects	aspect	NOUN
ajis02-751	309	13	of	of	ADP
ajis02-751	309	14	the	the	DET
ajis02-751	309	15	different	different	ADJ
ajis02-751	309	16	service	service	NOUN
ajis02-751	309	17	delivery	delivery	NOUN
ajis02-751	309	18	channels	channel	NOUN
ajis02-751	309	19	at	at	ADP
ajis02-751	309	20	the	the	DET
ajis02-751	309	21	pre	pre	NOUN
ajis02-751	309	22	-	-	NOUN
ajis02-751	309	23	purchase	purchase	VERB
ajis02-751	309	24	and	and	CCONJ
ajis02-751	309	25	purchase	purchase	VERB
ajis02-751	309	26	stages	stage	NOUN
ajis02-751	309	27	of	of	ADP
ajis02-751	309	28	their	their	PRON
ajis02-751	309	29	decision	decision	NOUN
ajis02-751	309	30	making	make	VERB
ajis02-751	309	31	process	process	NOUN
ajis02-751	309	32	for	for	ADP
ajis02-751	309	33	internet	internet	NOUN
ajis02-751	309	34	banking	banking	NOUN
ajis02-751	309	35	products	product	NOUN
ajis02-751	309	36	.	.	PUNCT
ajis02-751	310	1	the	the	DET
ajis02-751	310	2	perceived	perceive	VERB
ajis02-751	310	3	usability	usability	NOUN
ajis02-751	310	4	and	and	CCONJ
ajis02-751	310	5	perceived	perceive	VERB
ajis02-751	310	6	trialability	trialability	NOUN
ajis02-751	310	7	components	component	NOUN
ajis02-751	310	8	of	of	ADP
ajis02-751	310	9	the	the	DET
ajis02-751	310	10	technology	technology	NOUN
ajis02-751	310	11	-	-	PUNCT
ajis02-751	310	12	related	relate	VERB
ajis02-751	310	13	factors	factor	NOUN
ajis02-751	310	14	still	still	ADV
ajis02-751	310	15	influence	influence	VERB
ajis02-751	310	16	consumers	consumer	NOUN
ajis02-751	310	17	’	'	PUNCT
ajis02-751	310	18	decisions	decision	NOUN
ajis02-751	310	19	long	long	ADV
ajis02-751	310	20	after	after	ADP
ajis02-751	310	21	the	the	DET
ajis02-751	310	22	initial	initial	ADJ
ajis02-751	310	23	australasian	australasian	ADJ
ajis02-751	310	24	journal	journal	NOUN
ajis02-751	310	25	of	of	ADP
ajis02-751	310	26	information	information	NOUN
ajis02-751	310	27	systems	system	NOUN
ajis02-751	310	28	volume	volume	NOUN
ajis02-751	310	29	18	18	NUM
ajis02-751	310	30	number1	number1	NOUN
ajis02-751	310	31	2013	2013	NUM
ajis02-751	310	32	23	23	NUM
ajis02-751	310	33	adoption	adoption	NOUN
ajis02-751	310	34	of	of	ADP
ajis02-751	310	35	internet	internet	NOUN
ajis02-751	310	36	banking	banking	NOUN
ajis02-751	310	37	.	.	PUNCT
ajis02-751	311	1	as	as	SCONJ
ajis02-751	311	2	consumers	consumer	NOUN
ajis02-751	311	3	become	become	VERB
ajis02-751	311	4	comfortable	comfortable	ADJ
ajis02-751	311	5	with	with	ADP
ajis02-751	311	6	the	the	DET
ajis02-751	311	7	use	use	NOUN
ajis02-751	311	8	of	of	ADP
ajis02-751	311	9	the	the	DET
ajis02-751	311	10	technologyenabled	technologyenable	VERB
ajis02-751	311	11	service	service	NOUN
ajis02-751	311	12	delivery	delivery	NOUN
ajis02-751	311	13	channels	channel	NOUN
ajis02-751	311	14	in	in	ADP
ajis02-751	311	15	the	the	DET
ajis02-751	311	16	post	post	ADJ
ajis02-751	311	17	-	-	ADJ
ajis02-751	311	18	purchase	purchase	ADJ
ajis02-751	311	19	decision	decision	NOUN
ajis02-751	311	20	-	-	PUNCT
ajis02-751	311	21	making	make	VERB
ajis02-751	311	22	process	process	NOUN
ajis02-751	311	23	,	,	PUNCT
ajis02-751	311	24	consumers	consumer	NOUN
ajis02-751	311	25	become	become	VERB
ajis02-751	311	26	more	more	ADV
ajis02-751	311	27	oriented	oriented	ADJ
ajis02-751	311	28	towards	towards	ADP
ajis02-751	311	29	the	the	DET
ajis02-751	311	30	usability	usability	NOUN
ajis02-751	311	31	nature	nature	NOUN
ajis02-751	311	32	of	of	ADP
ajis02-751	311	33	a	a	DET
ajis02-751	311	34	specific	specific	ADJ
ajis02-751	311	35	channel	channel	NOUN
ajis02-751	311	36	and	and	CCONJ
ajis02-751	311	37	therefore	therefore	ADV
ajis02-751	311	38	continue	continue	VERB
ajis02-751	311	39	to	to	PART
ajis02-751	311	40	use	use	VERB
ajis02-751	311	41	it	it	PRON
ajis02-751	311	42	on	on	ADP
ajis02-751	311	43	a	a	DET
ajis02-751	311	44	frequent	frequent	ADJ
ajis02-751	311	45	basis	basis	NOUN
ajis02-751	311	46	.	.	PUNCT
ajis02-751	312	1	perceived	perceive	VERB
ajis02-751	312	2	trialability	trialability	NOUN
ajis02-751	312	3	could	could	AUX
ajis02-751	312	4	be	be	AUX
ajis02-751	312	5	related	relate	VERB
ajis02-751	312	6	to	to	ADP
ajis02-751	312	7	the	the	DET
ajis02-751	312	8	consumer	consumer	NOUN
ajis02-751	312	9	’s	’s	PART
ajis02-751	312	10	underlying	underlie	VERB
ajis02-751	312	11	fear	fear	NOUN
ajis02-751	312	12	of	of	ADP
ajis02-751	312	13	making	make	VERB
ajis02-751	312	14	mistakes	mistake	NOUN
ajis02-751	312	15	in	in	ADP
ajis02-751	312	16	processing	process	VERB
ajis02-751	312	17	their	their	PRON
ajis02-751	312	18	financial	financial	ADJ
ajis02-751	312	19	transactions	transaction	NOUN
ajis02-751	312	20	.	.	PUNCT
ajis02-751	313	1	thus	thus	ADV
ajis02-751	313	2	,	,	PUNCT
ajis02-751	313	3	consumers	consumer	NOUN
ajis02-751	313	4	in	in	ADP
ajis02-751	313	5	an	an	DET
ajis02-751	313	6	online	online	ADJ
ajis02-751	313	7	environment	environment	NOUN
ajis02-751	313	8	tend	tend	VERB
ajis02-751	313	9	to	to	PART
ajis02-751	313	10	use	use	VERB
ajis02-751	313	11	the	the	DET
ajis02-751	313	12	trialability	trialability	NOUN
ajis02-751	313	13	feature	feature	NOUN
ajis02-751	313	14	to	to	PART
ajis02-751	313	15	test	test	VERB
ajis02-751	313	16	whether	whether	SCONJ
ajis02-751	313	17	transactions	transaction	NOUN
ajis02-751	313	18	can	can	AUX
ajis02-751	313	19	be	be	AUX
ajis02-751	313	20	conducted	conduct	VERB
ajis02-751	313	21	safely	safely	ADV
ajis02-751	313	22	and	and	CCONJ
ajis02-751	313	23	securely	securely	ADV
ajis02-751	313	24	.	.	PUNCT
ajis02-751	314	1	thus	thus	ADV
ajis02-751	314	2	it	it	PRON
ajis02-751	314	3	is	be	AUX
ajis02-751	314	4	evident	evident	ADJ
ajis02-751	314	5	that	that	SCONJ
ajis02-751	314	6	highly	highly	ADV
ajis02-751	314	7	experienced	experienced	ADJ
ajis02-751	314	8	internet	internet	NOUN
ajis02-751	314	9	banking	banking	NOUN
ajis02-751	314	10	service	service	NOUN
ajis02-751	314	11	delivery	delivery	NOUN
ajis02-751	314	12	channel	channel	NOUN
ajis02-751	314	13	users	user	NOUN
ajis02-751	314	14	still	still	ADV
ajis02-751	314	15	desire	desire	VERB
ajis02-751	314	16	more	more	ADV
ajis02-751	314	17	useful	useful	ADJ
ajis02-751	314	18	alternatives	alternative	NOUN
ajis02-751	314	19	.	.	PUNCT
ajis02-751	315	1	theoretically	theoretically	ADV
ajis02-751	315	2	,	,	PUNCT
ajis02-751	315	3	this	this	DET
ajis02-751	315	4	research	research	NOUN
ajis02-751	315	5	helps	help	VERB
ajis02-751	315	6	to	to	PART
ajis02-751	315	7	expand	expand	VERB
ajis02-751	315	8	the	the	DET
ajis02-751	315	9	current	current	ADJ
ajis02-751	315	10	literature	literature	NOUN
ajis02-751	315	11	and	and	CCONJ
ajis02-751	315	12	understanding	understanding	NOUN
ajis02-751	315	13	on	on	ADP
ajis02-751	315	14	the	the	DET
ajis02-751	315	15	topic	topic	NOUN
ajis02-751	315	16	and	and	CCONJ
ajis02-751	315	17	provides	provide	VERB
ajis02-751	315	18	a	a	DET
ajis02-751	315	19	number	number	NOUN
ajis02-751	315	20	of	of	ADP
ajis02-751	315	21	approaches	approach	NOUN
ajis02-751	315	22	for	for	ADP
ajis02-751	315	23	future	future	ADJ
ajis02-751	315	24	research	research	NOUN
ajis02-751	315	25	.	.	PUNCT
ajis02-751	316	1	this	this	DET
ajis02-751	316	2	study	study	NOUN
ajis02-751	316	3	relates	relate	VERB
ajis02-751	316	4	to	to	ADP
ajis02-751	316	5	the	the	DET
ajis02-751	316	6	understanding	understanding	NOUN
ajis02-751	316	7	of	of	ADP
ajis02-751	316	8	consumers	consumer	NOUN
ajis02-751	316	9	’	'	PUNCT
ajis02-751	316	10	post	post	ADJ
ajis02-751	316	11	-	-	ADJ
ajis02-751	316	12	adoption	adoption	ADJ
ajis02-751	316	13	behaviour	behaviour	NOUN
ajis02-751	316	14	,	,	PUNCT
ajis02-751	316	15	unlike	unlike	ADP
ajis02-751	316	16	earlier	early	ADJ
ajis02-751	316	17	studies	study	NOUN
ajis02-751	316	18	that	that	PRON
ajis02-751	316	19	focused	focus	VERB
ajis02-751	316	20	predominantly	predominantly	ADV
ajis02-751	316	21	on	on	ADP
ajis02-751	316	22	consumers	consumer	NOUN
ajis02-751	316	23	’	'	PUNCT
ajis02-751	316	24	pre	pre	ADJ
ajis02-751	316	25	-	-	ADJ
ajis02-751	316	26	adoption	adoption	ADJ
ajis02-751	316	27	behaviour	behaviour	NOUN
ajis02-751	316	28	.	.	PUNCT
ajis02-751	317	1	the	the	DET
ajis02-751	317	2	contribution	contribution	NOUN
ajis02-751	317	3	of	of	ADP
ajis02-751	317	4	this	this	DET
ajis02-751	317	5	study	study	NOUN
ajis02-751	317	6	is	be	AUX
ajis02-751	317	7	the	the	DET
ajis02-751	317	8	investigation	investigation	NOUN
ajis02-751	317	9	of	of	ADP
ajis02-751	317	10	integrated	integrated	ADJ
ajis02-751	317	11	theory	theory	NOUN
ajis02-751	317	12	testing	testing	NOUN
ajis02-751	317	13	based	base	VERB
ajis02-751	317	14	on	on	ADP
ajis02-751	317	15	technology	technology	NOUN
ajis02-751	317	16	acceptance	acceptance	NOUN
ajis02-751	317	17	models	model	NOUN
ajis02-751	317	18	and	and	CCONJ
ajis02-751	317	19	diffusion	diffusion	NOUN
ajis02-751	317	20	of	of	ADP
ajis02-751	317	21	innovations	innovation	NOUN
ajis02-751	317	22	theory	theory	NOUN
ajis02-751	317	23	.	.	PUNCT
ajis02-751	318	1	this	this	DET
ajis02-751	318	2	study	study	NOUN
ajis02-751	318	3	investigates	investigate	VERB
ajis02-751	318	4	the	the	DET
ajis02-751	318	5	conceptual	conceptual	ADJ
ajis02-751	318	6	model	model	NOUN
ajis02-751	318	7	developed	develop	VERB
ajis02-751	318	8	from	from	ADP
ajis02-751	318	9	integrated	integrate	VERB
ajis02-751	318	10	theory	theory	NOUN
ajis02-751	318	11	testing	testing	NOUN
ajis02-751	318	12	,	,	PUNCT
ajis02-751	318	13	to	to	PART
ajis02-751	318	14	assess	assess	VERB
ajis02-751	318	15	consumer	consumer	NOUN
ajis02-751	318	16	’s	’s	PART
ajis02-751	318	17	continued	continue	VERB
ajis02-751	318	18	use	use	NOUN
ajis02-751	318	19	of	of	ADP
ajis02-751	318	20	internet	internet	NOUN
ajis02-751	318	21	banking	banking	NOUN
ajis02-751	318	22	process	process	NOUN
ajis02-751	318	23	by	by	ADP
ajis02-751	318	24	incorporating	incorporate	VERB
ajis02-751	318	25	technology	technology	NOUN
ajis02-751	318	26	,	,	PUNCT
ajis02-751	318	27	channel	channel	NOUN
ajis02-751	318	28	,	,	PUNCT
ajis02-751	318	29	social	social	ADJ
ajis02-751	318	30	and	and	CCONJ
ajis02-751	318	31	value	value	NOUN
ajis02-751	318	32	for	for	ADP
ajis02-751	318	33	money	money	NOUN
ajis02-751	318	34	factors	factor	NOUN
ajis02-751	318	35	.	.	PUNCT
ajis02-751	319	1	technology	technology	NOUN
ajis02-751	319	2	,	,	PUNCT
ajis02-751	319	3	channel	channel	NOUN
ajis02-751	319	4	,	,	PUNCT
ajis02-751	319	5	social	social	ADJ
ajis02-751	319	6	and	and	CCONJ
ajis02-751	319	7	value	value	NOUN
ajis02-751	319	8	for	for	ADP
ajis02-751	319	9	money	money	NOUN
ajis02-751	319	10	factors	factor	NOUN
ajis02-751	319	11	were	be	AUX
ajis02-751	319	12	conceptualised	conceptualise	VERB
ajis02-751	319	13	to	to	PART
ajis02-751	319	14	measure	measure	VERB
ajis02-751	319	15	consumers	consumer	NOUN
ajis02-751	319	16	’	'	PUNCT
ajis02-751	319	17	continued	continue	VERB
ajis02-751	319	18	use	use	NOUN
ajis02-751	319	19	of	of	ADP
ajis02-751	319	20	internet	internet	NOUN
ajis02-751	319	21	banking	banking	NOUN
ajis02-751	319	22	to	to	PART
ajis02-751	319	23	encompass	encompass	VERB
ajis02-751	319	24	diverse	diverse	ADJ
ajis02-751	319	25	aspects	aspect	NOUN
ajis02-751	319	26	of	of	ADP
ajis02-751	319	27	consumer	consumer	NOUN
ajis02-751	319	28	behaviour	behaviour	NOUN
ajis02-751	319	29	,	,	PUNCT
ajis02-751	319	30	and	and	CCONJ
ajis02-751	319	31	not	not	PART
ajis02-751	319	32	limiting	limit	VERB
ajis02-751	319	33	its	its	PRON
ajis02-751	319	34	evaluation	evaluation	NOUN
ajis02-751	319	35	to	to	ADP
ajis02-751	319	36	consumer	consumer	NOUN
ajis02-751	319	37	’s	’s	PART
ajis02-751	319	38	acceptance	acceptance	NOUN
ajis02-751	319	39	and	and	CCONJ
ajis02-751	319	40	adoption	adoption	NOUN
ajis02-751	319	41	of	of	ADP
ajis02-751	319	42	internet	internet	NOUN
ajis02-751	319	43	banking	banking	NOUN
ajis02-751	319	44	.	.	PUNCT
ajis02-751	320	1	further	far	ADV
ajis02-751	320	2	,	,	PUNCT
ajis02-751	320	3	the	the	DET
ajis02-751	320	4	distinct	distinct	ADJ
ajis02-751	320	5	role	role	NOUN
ajis02-751	320	6	of	of	ADP
ajis02-751	320	7	consumers	consumer	NOUN
ajis02-751	320	8	’	'	PUNCT
ajis02-751	320	9	continued	continue	VERB
ajis02-751	320	10	use	use	NOUN
ajis02-751	320	11	of	of	ADP
ajis02-751	320	12	internet	internet	NOUN
ajis02-751	320	13	banking	banking	NOUN
ajis02-751	320	14	was	be	AUX
ajis02-751	320	15	investigated	investigate	VERB
ajis02-751	320	16	in	in	ADP
ajis02-751	320	17	the	the	DET
ajis02-751	320	18	dynamics	dynamic	NOUN
ajis02-751	320	19	of	of	ADP
ajis02-751	320	20	technology	technology	NOUN
ajis02-751	320	21	,	,	PUNCT
ajis02-751	320	22	channel	channel	NOUN
ajis02-751	320	23	,	,	PUNCT
ajis02-751	320	24	social	social	ADJ
ajis02-751	320	25	and	and	CCONJ
ajis02-751	320	26	value	value	NOUN
ajis02-751	320	27	for	for	ADP
ajis02-751	320	28	money	money	NOUN
ajis02-751	320	29	factors	factor	NOUN
ajis02-751	320	30	and	and	CCONJ
ajis02-751	320	31	strengthens	strengthen	VERB
ajis02-751	320	32	the	the	DET
ajis02-751	320	33	existing	exist	VERB
ajis02-751	320	34	literature	literature	NOUN
ajis02-751	320	35	by	by	ADP
ajis02-751	320	36	examining	examine	VERB
ajis02-751	320	37	the	the	DET
ajis02-751	320	38	different	different	ADJ
ajis02-751	320	39	impact	impact	NOUN
ajis02-751	320	40	of	of	ADP
ajis02-751	320	41	each	each	DET
ajis02-751	320	42	component	component	NOUN
ajis02-751	320	43	entered	enter	VERB
ajis02-751	320	44	in	in	ADP
ajis02-751	320	45	the	the	DET
ajis02-751	320	46	model	model	NOUN
ajis02-751	320	47	.	.	PUNCT
ajis02-751	321	1	furthermore	furthermore	ADV
ajis02-751	321	2	,	,	PUNCT
ajis02-751	321	3	in	in	ADP
ajis02-751	321	4	order	order	NOUN
ajis02-751	321	5	to	to	PART
ajis02-751	321	6	limit	limit	VERB
ajis02-751	321	7	the	the	DET
ajis02-751	321	8	impact	impact	NOUN
ajis02-751	321	9	of	of	ADP
ajis02-751	321	10	confounding	confound	VERB
ajis02-751	321	11	research	research	NOUN
ajis02-751	321	12	findings	finding	NOUN
ajis02-751	321	13	and	and	CCONJ
ajis02-751	321	14	conclusions	conclusion	NOUN
ajis02-751	321	15	,	,	PUNCT
ajis02-751	321	16	the	the	DET
ajis02-751	321	17	present	present	ADJ
ajis02-751	321	18	findings	finding	NOUN
ajis02-751	321	19	showed	show	VERB
ajis02-751	321	20	the	the	DET
ajis02-751	321	21	importance	importance	NOUN
ajis02-751	321	22	of	of	ADP
ajis02-751	321	23	controlling	control	VERB
ajis02-751	321	24	for	for	ADP
ajis02-751	321	25	the	the	DET
ajis02-751	321	26	influence	influence	NOUN
ajis02-751	321	27	of	of	ADP
ajis02-751	321	28	demographic	demographic	ADJ
ajis02-751	321	29	characteristics	characteristic	NOUN
ajis02-751	321	30	on	on	ADP
ajis02-751	321	31	criterion	criterion	NOUN
ajis02-751	321	32	variables	variable	NOUN
ajis02-751	321	33	.	.	PUNCT
ajis02-751	322	1	the	the	DET
ajis02-751	322	2	actual	actual	ADJ
ajis02-751	322	3	predictive	predictive	ADJ
ajis02-751	322	4	power	power	NOUN
ajis02-751	322	5	of	of	ADP
ajis02-751	322	6	the	the	DET
ajis02-751	322	7	predictor	predictor	NOUN
ajis02-751	322	8	variables	variable	NOUN
ajis02-751	322	9	would	would	AUX
ajis02-751	322	10	have	have	AUX
ajis02-751	322	11	resulted	result	VERB
ajis02-751	322	12	in	in	ADP
ajis02-751	322	13	erroneous	erroneous	ADJ
ajis02-751	322	14	estimations	estimation	NOUN
ajis02-751	322	15	if	if	SCONJ
ajis02-751	322	16	demographic	demographic	ADJ
ajis02-751	322	17	characteristics	characteristic	NOUN
ajis02-751	322	18	were	be	AUX
ajis02-751	322	19	not	not	PART
ajis02-751	322	20	controlled	control	VERB
ajis02-751	322	21	for	for	ADP
ajis02-751	322	22	whilst	whilst	SCONJ
ajis02-751	322	23	undertaking	undertake	VERB
ajis02-751	322	24	hierarchical	hierarchical	ADJ
ajis02-751	322	25	multiple	multiple	ADJ
ajis02-751	322	26	regression	regression	NOUN
ajis02-751	322	27	analyses	analysis	NOUN
ajis02-751	322	28	.	.	PUNCT
ajis02-751	323	1	the	the	DET
ajis02-751	323	2	outcomes	outcome	NOUN
ajis02-751	323	3	from	from	ADP
ajis02-751	323	4	the	the	DET
ajis02-751	323	5	present	present	ADJ
ajis02-751	323	6	study	study	NOUN
ajis02-751	323	7	add	add	VERB
ajis02-751	323	8	value	value	NOUN
ajis02-751	323	9	to	to	ADP
ajis02-751	323	10	marketing	marketing	NOUN
ajis02-751	323	11	research	research	NOUN
ajis02-751	323	12	and	and	CCONJ
ajis02-751	323	13	practice	practice	NOUN
ajis02-751	323	14	in	in	ADP
ajis02-751	323	15	a	a	DET
ajis02-751	323	16	broader	broad	ADJ
ajis02-751	323	17	perspective	perspective	NOUN
ajis02-751	323	18	to	to	ADP
ajis02-751	323	19	the	the	DET
ajis02-751	323	20	australian	australian	ADJ
ajis02-751	323	21	financial	financial	ADJ
ajis02-751	323	22	sector	sector	NOUN
ajis02-751	323	23	and	and	CCONJ
ajis02-751	323	24	more	more	ADV
ajis02-751	323	25	specifically	specifically	ADV
ajis02-751	323	26	to	to	ADP
ajis02-751	323	27	the	the	DET
ajis02-751	323	28	australian	australian	ADJ
ajis02-751	323	29	retail	retail	ADJ
ajis02-751	323	30	banking	banking	NOUN
ajis02-751	323	31	industry	industry	NOUN
ajis02-751	323	32	in	in	ADP
ajis02-751	323	33	several	several	ADJ
ajis02-751	323	34	ways	way	NOUN
ajis02-751	323	35	.	.	PUNCT
ajis02-751	324	1	the	the	DET
ajis02-751	324	2	relevance	relevance	NOUN
ajis02-751	324	3	of	of	ADP
ajis02-751	324	4	the	the	DET
ajis02-751	324	5	technology	technology	NOUN
ajis02-751	324	6	-	-	PUNCT
ajis02-751	324	7	related	relate	VERB
ajis02-751	324	8	factors	factor	NOUN
ajis02-751	324	9	emphasises	emphasise	VERB
ajis02-751	324	10	that	that	SCONJ
ajis02-751	324	11	the	the	DET
ajis02-751	324	12	traditional	traditional	ADJ
ajis02-751	324	13	focus	focus	NOUN
ajis02-751	324	14	of	of	ADP
ajis02-751	324	15	banking	banking	NOUN
ajis02-751	324	16	management	management	NOUN
ajis02-751	324	17	on	on	ADP
ajis02-751	324	18	bank	bank	NOUN
ajis02-751	324	19	employee	employee	NOUN
ajis02-751	324	20	-	-	PUNCT
ajis02-751	324	21	customer	customer	NOUN
ajis02-751	324	22	interaction	interaction	NOUN
ajis02-751	324	23	issues	issue	NOUN
ajis02-751	324	24	needs	need	VERB
ajis02-751	324	25	to	to	PART
ajis02-751	324	26	be	be	AUX
ajis02-751	324	27	revised	revise	VERB
ajis02-751	324	28	.	.	PUNCT
ajis02-751	325	1	bank	bank	NOUN
ajis02-751	325	2	management	management	NOUN
ajis02-751	325	3	essentially	essentially	ADV
ajis02-751	325	4	needs	need	VERB
ajis02-751	325	5	to	to	PART
ajis02-751	325	6	reorient	reorient	VERB
ajis02-751	325	7	their	their	PRON
ajis02-751	325	8	focus	focus	NOUN
ajis02-751	325	9	on	on	ADP
ajis02-751	325	10	technology	technology	NOUN
ajis02-751	325	11	-	-	PUNCT
ajis02-751	325	12	customer	customer	NOUN
ajis02-751	325	13	interactions	interaction	NOUN
ajis02-751	325	14	and	and	CCONJ
ajis02-751	325	15	effective	effective	ADJ
ajis02-751	325	16	management	management	NOUN
ajis02-751	325	17	of	of	ADP
ajis02-751	325	18	the	the	DET
ajis02-751	325	19	technology	technology	NOUN
ajis02-751	325	20	interface	interface	NOUN
ajis02-751	325	21	.	.	PUNCT
ajis02-751	326	1	consumers	consumer	NOUN
ajis02-751	326	2	’	’	PART
ajis02-751	326	3	attitudes	attitude	NOUN
ajis02-751	326	4	towards	towards	ADP
ajis02-751	326	5	the	the	DET
ajis02-751	326	6	internet	internet	NOUN
ajis02-751	326	7	banking	banking	NOUN
ajis02-751	326	8	service	service	NOUN
ajis02-751	326	9	delivery	delivery	NOUN
ajis02-751	326	10	channel	channel	NOUN
ajis02-751	326	11	would	would	AUX
ajis02-751	326	12	be	be	AUX
ajis02-751	326	13	different	different	ADJ
ajis02-751	326	14	from	from	ADP
ajis02-751	326	15	those	those	PRON
ajis02-751	326	16	of	of	ADP
ajis02-751	326	17	traditional	traditional	ADJ
ajis02-751	326	18	bank	bank	NOUN
ajis02-751	326	19	branches	branch	NOUN
ajis02-751	326	20	(	(	PUNCT
ajis02-751	326	21	curran	curran	PROPN
ajis02-751	326	22	et	et	PROPN
ajis02-751	326	23	al	al	PROPN
ajis02-751	326	24	.	.	PROPN
ajis02-751	326	25	2003	2003	NUM
ajis02-751	326	26	)	)	PUNCT
ajis02-751	326	27	.	.	PUNCT
ajis02-751	327	1	therefore	therefore	ADV
ajis02-751	327	2	,	,	PUNCT
ajis02-751	327	3	bank	bank	NOUN
ajis02-751	327	4	management	management	NOUN
ajis02-751	327	5	may	may	AUX
ajis02-751	327	6	opt	opt	VERB
ajis02-751	327	7	for	for	ADP
ajis02-751	327	8	the	the	DET
ajis02-751	327	9	interconnectedness	interconnectedness	NOUN
ajis02-751	327	10	of	of	ADP
ajis02-751	327	11	all	all	DET
ajis02-751	327	12	the	the	DET
ajis02-751	327	13	service	service	NOUN
ajis02-751	327	14	delivery	delivery	NOUN
ajis02-751	327	15	channels	channel	NOUN
ajis02-751	327	16	as	as	SCONJ
ajis02-751	327	17	there	there	PRON
ajis02-751	327	18	is	be	VERB
ajis02-751	327	19	a	a	DET
ajis02-751	327	20	potential	potential	ADJ
ajis02-751	327	21	possibility	possibility	NOUN
ajis02-751	327	22	that	that	SCONJ
ajis02-751	327	23	positive	positive	ADJ
ajis02-751	327	24	attitudes	attitude	NOUN
ajis02-751	327	25	of	of	ADP
ajis02-751	327	26	consumers	consumer	NOUN
ajis02-751	327	27	towards	towards	ADP
ajis02-751	327	28	an	an	DET
ajis02-751	327	29	existing	exist	VERB
ajis02-751	327	30	branch	branch	NOUN
ajis02-751	327	31	channel	channel	NOUN
ajis02-751	327	32	might	might	AUX
ajis02-751	327	33	create	create	VERB
ajis02-751	327	34	negative	negative	ADJ
ajis02-751	327	35	attitudes	attitude	NOUN
ajis02-751	327	36	towards	towards	ADP
ajis02-751	327	37	a	a	DET
ajis02-751	327	38	proliferation	proliferation	NOUN
ajis02-751	327	39	of	of	ADP
ajis02-751	327	40	new	new	ADJ
ajis02-751	327	41	electronic	electronic	ADJ
ajis02-751	327	42	distribution	distribution	NOUN
ajis02-751	327	43	channels	channel	NOUN
ajis02-751	327	44	.	.	PUNCT
ajis02-751	328	1	in	in	ADP
ajis02-751	328	2	order	order	NOUN
ajis02-751	328	3	to	to	PART
ajis02-751	328	4	enhance	enhance	VERB
ajis02-751	328	5	consumers	consumer	NOUN
ajis02-751	328	6	’	'	PUNCT
ajis02-751	328	7	positive	positive	ADJ
ajis02-751	328	8	attitudes	attitude	NOUN
ajis02-751	328	9	towards	towards	ADP
ajis02-751	328	10	internet	internet	NOUN
ajis02-751	328	11	banking	banking	NOUN
ajis02-751	328	12	,	,	PUNCT
ajis02-751	328	13	banks	bank	NOUN
ajis02-751	328	14	may	may	AUX
ajis02-751	328	15	need	need	VERB
ajis02-751	328	16	to	to	PART
ajis02-751	328	17	consider	consider	VERB
ajis02-751	328	18	publicising	publicise	VERB
ajis02-751	328	19	widely	widely	ADV
ajis02-751	328	20	the	the	DET
ajis02-751	328	21	various	various	ADJ
ajis02-751	328	22	advantages	advantage	NOUN
ajis02-751	328	23	associated	associate	VERB
ajis02-751	328	24	with	with	ADP
ajis02-751	328	25	the	the	DET
ajis02-751	328	26	technology	technology	NOUN
ajis02-751	328	27	-	-	PUNCT
ajis02-751	328	28	related	relate	VERB
ajis02-751	328	29	internet	internet	NOUN
ajis02-751	328	30	banking	banking	NOUN
ajis02-751	328	31	interface	interface	NOUN
ajis02-751	328	32	.	.	PUNCT
ajis02-751	329	1	banks	bank	NOUN
ajis02-751	329	2	could	could	AUX
ajis02-751	329	3	further	far	ADV
ajis02-751	329	4	consider	consider	VERB
ajis02-751	329	5	highlighting	highlight	VERB
ajis02-751	329	6	the	the	DET
ajis02-751	329	7	importance	importance	NOUN
ajis02-751	329	8	of	of	ADP
ajis02-751	329	9	the	the	DET
ajis02-751	329	10	user	user	NOUN
ajis02-751	329	11	-	-	PUNCT
ajis02-751	329	12	friendly	friendly	ADJ
ajis02-751	329	13	features	feature	NOUN
ajis02-751	329	14	associated	associate	VERB
ajis02-751	329	15	with	with	ADP
ajis02-751	329	16	internet	internet	NOUN
ajis02-751	329	17	banking	banking	NOUN
ajis02-751	329	18	in	in	ADP
ajis02-751	329	19	order	order	NOUN
ajis02-751	329	20	to	to	PART
ajis02-751	329	21	enhance	enhance	VERB
ajis02-751	329	22	consumers	consumer	NOUN
ajis02-751	329	23	’	’	PART
ajis02-751	329	24	perceptions	perception	NOUN
ajis02-751	329	25	towards	towards	ADP
ajis02-751	329	26	the	the	DET
ajis02-751	329	27	usability	usability	NOUN
ajis02-751	329	28	sub	sub	NOUN
ajis02-751	329	29	-	-	NOUN
ajis02-751	329	30	dimension	dimension	NOUN
ajis02-751	329	31	.	.	PUNCT
ajis02-751	330	1	the	the	DET
ajis02-751	330	2	banks	bank	NOUN
ajis02-751	330	3	should	should	AUX
ajis02-751	330	4	also	also	ADV
ajis02-751	330	5	consider	consider	VERB
ajis02-751	330	6	providing	provide	VERB
ajis02-751	330	7	step	step	NOUN
ajis02-751	330	8	-	-	PUNCT
ajis02-751	330	9	by	by	ADP
ajis02-751	330	10	-	-	PUNCT
ajis02-751	330	11	step	step	NOUN
ajis02-751	330	12	instructions	instruction	NOUN
ajis02-751	330	13	,	,	PUNCT
ajis02-751	330	14	opportunity	opportunity	NOUN
ajis02-751	330	15	to	to	PART
ajis02-751	330	16	test	test	VERB
ajis02-751	330	17	-	-	PUNCT
ajis02-751	330	18	drive	drive	VERB
ajis02-751	330	19	the	the	DET
ajis02-751	330	20	technological	technological	ADJ
ajis02-751	330	21	interface	interface	NOUN
ajis02-751	330	22	,	,	PUNCT
ajis02-751	330	23	and	and	CCONJ
ajis02-751	330	24	possible	possible	ADJ
ajis02-751	330	25	demonstrations	demonstration	NOUN
ajis02-751	330	26	on	on	ADP
ajis02-751	330	27	how	how	SCONJ
ajis02-751	330	28	to	to	PART
ajis02-751	330	29	use	use	VERB
ajis02-751	330	30	internet	internet	NOUN
ajis02-751	330	31	banking	banking	NOUN
ajis02-751	330	32	effectively	effectively	ADV
ajis02-751	330	33	and	and	CCONJ
ajis02-751	330	34	efficiently	efficiently	ADV
ajis02-751	330	35	.	.	PUNCT
ajis02-751	331	1	although	although	SCONJ
ajis02-751	331	2	a	a	DET
ajis02-751	331	3	majority	majority	NOUN
ajis02-751	331	4	of	of	ADP
ajis02-751	331	5	the	the	DET
ajis02-751	331	6	banks	bank	NOUN
ajis02-751	331	7	are	be	AUX
ajis02-751	331	8	proactive	proactive	ADJ
ajis02-751	331	9	in	in	ADP
ajis02-751	331	10	providing	provide	VERB
ajis02-751	331	11	step	step	NOUN
ajis02-751	331	12	-	-	PUNCT
ajis02-751	331	13	by	by	ADP
ajis02-751	331	14	-	-	PUNCT
ajis02-751	331	15	step	step	NOUN
ajis02-751	331	16	instructions	instruction	NOUN
ajis02-751	331	17	to	to	ADP
ajis02-751	331	18	australasian	australasian	ADJ
ajis02-751	331	19	journal	journal	NOUN
ajis02-751	331	20	of	of	ADP
ajis02-751	331	21	information	information	NOUN
ajis02-751	331	22	systems	system	NOUN
ajis02-751	331	23	volume	volume	NOUN
ajis02-751	331	24	18	18	NUM
ajis02-751	331	25	number1	number1	NOUN
ajis02-751	331	26	2013	2013	NUM
ajis02-751	331	27	24	24	NUM
ajis02-751	331	28	their	their	PRON
ajis02-751	331	29	modern	modern	ADJ
ajis02-751	331	30	customers	customer	NOUN
ajis02-751	331	31	about	about	ADP
ajis02-751	331	32	the	the	DET
ajis02-751	331	33	use	use	NOUN
ajis02-751	331	34	of	of	ADP
ajis02-751	331	35	electronic	electronic	ADJ
ajis02-751	331	36	service	service	NOUN
ajis02-751	331	37	delivery	delivery	NOUN
ajis02-751	331	38	channels	channel	NOUN
ajis02-751	331	39	,	,	PUNCT
ajis02-751	331	40	possible	possible	ADJ
ajis02-751	331	41	demonstrations	demonstration	NOUN
ajis02-751	331	42	and	and	CCONJ
ajis02-751	331	43	feasible	feasible	ADJ
ajis02-751	331	44	test	test	NOUN
ajis02-751	331	45	-	-	PUNCT
ajis02-751	331	46	drive	drive	NOUN
ajis02-751	331	47	opportunities	opportunity	NOUN
ajis02-751	331	48	of	of	ADP
ajis02-751	331	49	the	the	DET
ajis02-751	331	50	technological	technological	ADJ
ajis02-751	331	51	interfaces	interface	NOUN
ajis02-751	331	52	are	be	AUX
ajis02-751	331	53	available	available	ADJ
ajis02-751	331	54	only	only	ADV
ajis02-751	331	55	with	with	ADP
ajis02-751	331	56	a	a	DET
ajis02-751	331	57	few	few	ADJ
ajis02-751	331	58	big	big	ADJ
ajis02-751	331	59	banks	bank	NOUN
ajis02-751	331	60	.	.	PUNCT
ajis02-751	332	1	banks	bank	NOUN
ajis02-751	332	2	may	may	AUX
ajis02-751	332	3	need	need	VERB
ajis02-751	332	4	to	to	PART
ajis02-751	332	5	consider	consider	VERB
ajis02-751	332	6	embarking	embark	VERB
ajis02-751	332	7	on	on	ADP
ajis02-751	332	8	providing	provide	VERB
ajis02-751	332	9	free	free	ADJ
ajis02-751	332	10	training	training	NOUN
ajis02-751	332	11	sessions	session	NOUN
ajis02-751	332	12	to	to	ADP
ajis02-751	332	13	customers	customer	NOUN
ajis02-751	332	14	regarding	regard	VERB
ajis02-751	332	15	the	the	DET
ajis02-751	332	16	general	general	ADJ
ajis02-751	332	17	use	use	NOUN
ajis02-751	332	18	of	of	ADP
ajis02-751	332	19	computers	computer	NOUN
ajis02-751	332	20	and	and	CCONJ
ajis02-751	332	21	specific	specific	ADJ
ajis02-751	332	22	use	use	NOUN
ajis02-751	332	23	of	of	ADP
ajis02-751	332	24	internet	internet	NOUN
ajis02-751	332	25	banking	banking	NOUN
ajis02-751	332	26	and	and	CCONJ
ajis02-751	332	27	educate	educate	VERB
ajis02-751	332	28	them	they	PRON
ajis02-751	332	29	with	with	ADP
ajis02-751	332	30	the	the	DET
ajis02-751	332	31	benefits	benefit	NOUN
ajis02-751	332	32	associated	associate	VERB
ajis02-751	332	33	with	with	ADP
ajis02-751	332	34	internet	internet	NOUN
ajis02-751	332	35	banking	banking	NOUN
ajis02-751	332	36	usage	usage	NOUN
ajis02-751	332	37	.	.	PUNCT
ajis02-751	333	1	thus	thus	ADV
ajis02-751	333	2	,	,	PUNCT
ajis02-751	333	3	bank	bank	NOUN
ajis02-751	333	4	marketers	marketer	NOUN
ajis02-751	333	5	strive	strive	VERB
ajis02-751	333	6	continuously	continuously	ADV
ajis02-751	333	7	to	to	PART
ajis02-751	333	8	incorporate	incorporate	VERB
ajis02-751	333	9	new	new	ADJ
ajis02-751	333	10	and	and	CCONJ
ajis02-751	333	11	useful	useful	ADJ
ajis02-751	333	12	capabilities	capability	NOUN
ajis02-751	333	13	to	to	PART
ajis02-751	333	14	improve	improve	VERB
ajis02-751	333	15	the	the	DET
ajis02-751	333	16	user	user	NOUN
ajis02-751	333	17	-	-	PUNCT
ajis02-751	333	18	friendliness	friendliness	NOUN
ajis02-751	333	19	of	of	ADP
ajis02-751	333	20	their	their	PRON
ajis02-751	333	21	service	service	NOUN
ajis02-751	333	22	offerings	offering	NOUN
ajis02-751	333	23	to	to	ADP
ajis02-751	333	24	the	the	DET
ajis02-751	333	25	customers	customer	NOUN
ajis02-751	333	26	.	.	PUNCT
ajis02-751	334	1	service	service	NOUN
ajis02-751	334	2	providers	provider	NOUN
ajis02-751	334	3	of	of	ADP
ajis02-751	334	4	individual	individual	ADJ
ajis02-751	334	5	consumer	consumer	NOUN
ajis02-751	334	6	-	-	PUNCT
ajis02-751	334	7	oriented	orient	VERB
ajis02-751	334	8	applications	application	NOUN
ajis02-751	334	9	should	should	AUX
ajis02-751	334	10	engage	engage	VERB
ajis02-751	334	11	in	in	ADP
ajis02-751	334	12	constant	constant	ADJ
ajis02-751	334	13	efforts	effort	NOUN
ajis02-751	334	14	to	to	PART
ajis02-751	334	15	positively	positively	ADV
ajis02-751	334	16	influence	influence	VERB
ajis02-751	334	17	consumers	consumer	NOUN
ajis02-751	334	18	’	’	PART
ajis02-751	334	19	perceptions	perception	NOUN
ajis02-751	334	20	as	as	ADP
ajis02-751	334	21	improved	improve	VERB
ajis02-751	334	22	user	user	NOUN
ajis02-751	334	23	satisfaction	satisfaction	NOUN
ajis02-751	334	24	;	;	PUNCT
ajis02-751	334	25	broader	broad	ADJ
ajis02-751	334	26	usage	usage	NOUN
ajis02-751	334	27	and	and	CCONJ
ajis02-751	334	28	positive	positive	ADJ
ajis02-751	334	29	consumer	consumer	NOUN
ajis02-751	334	30	perceptions	perception	NOUN
ajis02-751	334	31	are	be	AUX
ajis02-751	334	32	better	well	ADJ
ajis02-751	334	33	defences	defence	NOUN
ajis02-751	334	34	against	against	ADP
ajis02-751	334	35	competitors	competitor	NOUN
ajis02-751	334	36	.	.	PUNCT
ajis02-751	335	1	as	as	SCONJ
ajis02-751	335	2	technology	technology	NOUN
ajis02-751	335	3	-	-	PUNCT
ajis02-751	335	4	enabled	enable	VERB
ajis02-751	335	5	service	service	NOUN
ajis02-751	335	6	delivery	delivery	NOUN
ajis02-751	335	7	channels	channel	NOUN
ajis02-751	335	8	like	like	ADP
ajis02-751	335	9	internet	internet	NOUN
ajis02-751	335	10	banking	banking	NOUN
ajis02-751	335	11	constantly	constantly	ADV
ajis02-751	335	12	compete	compete	VERB
ajis02-751	335	13	for	for	ADP
ajis02-751	335	14	user	user	NOUN
ajis02-751	335	15	support	support	NOUN
ajis02-751	335	16	,	,	PUNCT
ajis02-751	335	17	it	it	PRON
ajis02-751	335	18	is	be	AUX
ajis02-751	335	19	essential	essential	ADJ
ajis02-751	335	20	to	to	PART
ajis02-751	335	21	understand	understand	VERB
ajis02-751	335	22	what	what	PRON
ajis02-751	335	23	users	user	NOUN
ajis02-751	335	24	take	take	VERB
ajis02-751	335	25	into	into	ADP
ajis02-751	335	26	consideration	consideration	NOUN
ajis02-751	335	27	when	when	SCONJ
ajis02-751	335	28	choosing	choose	VERB
ajis02-751	335	29	between	between	ADP
ajis02-751	335	30	available	available	ADJ
ajis02-751	335	31	service	service	NOUN
ajis02-751	335	32	delivery	delivery	NOUN
ajis02-751	335	33	channel	channel	NOUN
ajis02-751	335	34	alternatives	alternative	NOUN
ajis02-751	335	35	.	.	PUNCT
ajis02-751	336	1	thus	thus	ADV
ajis02-751	336	2	channel	channel	NOUN
ajis02-751	336	3	technology	technology	NOUN
ajis02-751	336	4	designers	designer	NOUN
ajis02-751	336	5	should	should	AUX
ajis02-751	336	6	always	always	ADV
ajis02-751	336	7	be	be	AUX
ajis02-751	336	8	vigilant	vigilant	ADJ
ajis02-751	336	9	of	of	ADP
ajis02-751	336	10	consumers	consumer	NOUN
ajis02-751	336	11	,	,	PUNCT
ajis02-751	336	12	changing	change	VERB
ajis02-751	336	13	needs	need	NOUN
ajis02-751	336	14	and	and	CCONJ
ajis02-751	336	15	never	never	ADV
ajis02-751	336	16	take	take	VERB
ajis02-751	336	17	consumer	consumer	NOUN
ajis02-751	336	18	’s	’s	PART
ajis02-751	336	19	satisfaction	satisfaction	NOUN
ajis02-751	336	20	for	for	ADP
ajis02-751	336	21	granted	grant	VERB
ajis02-751	336	22	.	.	PUNCT
ajis02-751	337	1	thus	thus	ADV
ajis02-751	337	2	bank	bank	NOUN
ajis02-751	337	3	management	management	NOUN
ajis02-751	337	4	and	and	CCONJ
ajis02-751	337	5	marketers	marketer	NOUN
ajis02-751	337	6	always	always	ADV
ajis02-751	337	7	strive	strive	VERB
ajis02-751	337	8	to	to	PART
ajis02-751	337	9	improve	improve	VERB
ajis02-751	337	10	their	their	PRON
ajis02-751	337	11	products	product	NOUN
ajis02-751	337	12	and	and	CCONJ
ajis02-751	337	13	services	service	NOUN
ajis02-751	337	14	and	and	CCONJ
ajis02-751	337	15	further	far	ADV
ajis02-751	337	16	enhance	enhance	VERB
ajis02-751	337	17	consumers	consumer	NOUN
ajis02-751	337	18	’	'	PUNCT
ajis02-751	337	19	satisfaction	satisfaction	NOUN
ajis02-751	337	20	and	and	CCONJ
ajis02-751	337	21	loyalty	loyalty	NOUN
ajis02-751	337	22	,	,	PUNCT
ajis02-751	337	23	regardless	regardless	ADV
ajis02-751	337	24	of	of	ADP
ajis02-751	337	25	how	how	SCONJ
ajis02-751	337	26	successful	successful	ADJ
ajis02-751	337	27	they	they	PRON
ajis02-751	337	28	have	have	AUX
ajis02-751	337	29	been	be	AUX
ajis02-751	337	30	in	in	ADP
ajis02-751	337	31	the	the	DET
ajis02-751	337	32	past	past	NOUN
ajis02-751	337	33	.	.	PUNCT
ajis02-751	338	1	banks	bank	NOUN
ajis02-751	338	2	are	be	AUX
ajis02-751	338	3	also	also	ADV
ajis02-751	338	4	developing	develop	VERB
ajis02-751	338	5	strategies	strategy	NOUN
ajis02-751	338	6	that	that	PRON
ajis02-751	338	7	will	will	AUX
ajis02-751	338	8	improve	improve	VERB
ajis02-751	338	9	the	the	DET
ajis02-751	338	10	consumer	consumer	NOUN
ajis02-751	338	11	’s	’s	PART
ajis02-751	338	12	trust	trust	NOUN
ajis02-751	338	13	in	in	ADP
ajis02-751	338	14	banking	banking	NOUN
ajis02-751	338	15	with	with	ADP
ajis02-751	338	16	the	the	DET
ajis02-751	338	17	internet	internet	NOUN
ajis02-751	338	18	by	by	ADP
ajis02-751	338	19	development	development	NOUN
ajis02-751	338	20	of	of	ADP
ajis02-751	338	21	secure	secure	ADJ
ajis02-751	338	22	policies	policy	NOUN
ajis02-751	338	23	and	and	CCONJ
ajis02-751	338	24	procedures	procedure	NOUN
ajis02-751	338	25	,	,	PUNCT
ajis02-751	338	26	incorporation	incorporation	NOUN
ajis02-751	338	27	of	of	ADP
ajis02-751	338	28	secure	secure	ADJ
ajis02-751	338	29	mechanisms	mechanism	NOUN
ajis02-751	338	30	such	such	ADJ
ajis02-751	338	31	as	as	ADP
ajis02-751	338	32	secure	secure	ADJ
ajis02-751	338	33	socket	socket	NOUN
ajis02-751	338	34	layers	layer	NOUN
ajis02-751	338	35	(	(	PUNCT
ajis02-751	338	36	ssl	ssl	PROPN
ajis02-751	338	37	)	)	PUNCT
ajis02-751	338	38	,	,	PUNCT
ajis02-751	338	39	embracing	embrace	VERB
ajis02-751	338	40	encryption	encryption	NOUN
ajis02-751	338	41	and	and	CCONJ
ajis02-751	338	42	firewall	firewall	NOUN
ajis02-751	338	43	technologies	technology	NOUN
ajis02-751	338	44	,	,	PUNCT
ajis02-751	338	45	virus	virus	NOUN
ajis02-751	338	46	detection	detection	NOUN
ajis02-751	338	47	and	and	CCONJ
ajis02-751	338	48	protection	protection	NOUN
ajis02-751	338	49	measures	measure	NOUN
ajis02-751	338	50	,	,	PUNCT
ajis02-751	338	51	protective	protective	ADJ
ajis02-751	338	52	mechanisms	mechanism	NOUN
ajis02-751	338	53	including	include	VERB
ajis02-751	338	54	backup	backup	ADJ
ajis02-751	338	55	servers	server	NOUN
ajis02-751	338	56	,	,	PUNCT
ajis02-751	338	57	and	and	CCONJ
ajis02-751	338	58	working	work	VERB
ajis02-751	338	59	coherently	coherently	ADV
ajis02-751	338	60	with	with	ADP
ajis02-751	338	61	online	online	ADJ
ajis02-751	338	62	security	security	NOUN
ajis02-751	338	63	firms	firm	NOUN
ajis02-751	338	64	which	which	PRON
ajis02-751	338	65	might	might	AUX
ajis02-751	338	66	reduce	reduce	VERB
ajis02-751	338	67	the	the	DET
ajis02-751	338	68	perceptions	perception	NOUN
ajis02-751	338	69	of	of	ADP
ajis02-751	338	70	the	the	DET
ajis02-751	338	71	consumers	consumer	NOUN
ajis02-751	338	72	that	that	PRON
ajis02-751	338	73	the	the	DET
ajis02-751	338	74	internet	internet	NOUN
ajis02-751	338	75	-	-	PUNCT
ajis02-751	338	76	based	base	VERB
ajis02-751	338	77	service	service	NOUN
ajis02-751	338	78	delivery	delivery	NOUN
ajis02-751	338	79	channels	channel	NOUN
ajis02-751	338	80	are	be	AUX
ajis02-751	338	81	uncertain	uncertain	ADJ
ajis02-751	338	82	and	and	CCONJ
ajis02-751	338	83	unsafe	unsafe	ADJ
ajis02-751	338	84	.	.	PUNCT
ajis02-751	339	1	additionally	additionally	ADV
ajis02-751	339	2	,	,	PUNCT
ajis02-751	339	3	banks	bank	NOUN
ajis02-751	339	4	may	may	AUX
ajis02-751	339	5	need	need	VERB
ajis02-751	339	6	to	to	PART
ajis02-751	339	7	focus	focus	VERB
ajis02-751	339	8	on	on	ADP
ajis02-751	339	9	implementing	implement	VERB
ajis02-751	339	10	effective	effective	ADJ
ajis02-751	339	11	mechanisms	mechanism	NOUN
ajis02-751	339	12	to	to	PART
ajis02-751	339	13	address	address	VERB
ajis02-751	339	14	any	any	DET
ajis02-751	339	15	violation	violation	NOUN
ajis02-751	339	16	of	of	ADP
ajis02-751	339	17	the	the	DET
ajis02-751	339	18	consumer	consumer	NOUN
ajis02-751	339	19	’s	’s	PART
ajis02-751	339	20	sensitive	sensitive	ADJ
ajis02-751	339	21	data	datum	NOUN
ajis02-751	339	22	by	by	ADP
ajis02-751	339	23	placing	place	VERB
ajis02-751	339	24	adequate	adequate	ADJ
ajis02-751	339	25	controls	control	NOUN
ajis02-751	339	26	in	in	ADP
ajis02-751	339	27	place	place	NOUN
ajis02-751	339	28	to	to	PART
ajis02-751	339	29	ensure	ensure	VERB
ajis02-751	339	30	security	security	NOUN
ajis02-751	339	31	of	of	ADP
ajis02-751	339	32	personal	personal	ADJ
ajis02-751	339	33	data	datum	NOUN
ajis02-751	339	34	.	.	PUNCT
ajis02-751	340	1	modern	modern	ADJ
ajis02-751	340	2	banks	bank	NOUN
ajis02-751	340	3	are	be	AUX
ajis02-751	340	4	also	also	ADV
ajis02-751	340	5	implementing	implement	VERB
ajis02-751	340	6	cryptography	cryptography	NOUN
ajis02-751	340	7	techniques	technique	NOUN
ajis02-751	340	8	in	in	ADP
ajis02-751	340	9	order	order	NOUN
ajis02-751	340	10	to	to	PART
ajis02-751	340	11	protect	protect	VERB
ajis02-751	340	12	the	the	DET
ajis02-751	340	13	confidentiality	confidentiality	NOUN
ajis02-751	340	14	of	of	ADP
ajis02-751	340	15	the	the	DET
ajis02-751	340	16	consumer	consumer	NOUN
ajis02-751	340	17	needs	need	NOUN
ajis02-751	340	18	.	.	PUNCT
ajis02-751	341	1	during	during	ADP
ajis02-751	341	2	and	and	CCONJ
ajis02-751	341	3	after	after	ADP
ajis02-751	341	4	exchange	exchange	NOUN
ajis02-751	341	5	of	of	ADP
ajis02-751	341	6	information	information	NOUN
ajis02-751	341	7	between	between	ADP
ajis02-751	341	8	the	the	DET
ajis02-751	341	9	consumer	consumer	NOUN
ajis02-751	341	10	and	and	CCONJ
ajis02-751	341	11	the	the	DET
ajis02-751	341	12	service	service	NOUN
ajis02-751	341	13	provider	provider	NOUN
ajis02-751	341	14	,	,	PUNCT
ajis02-751	341	15	information	information	NOUN
ajis02-751	341	16	content	content	NOUN
ajis02-751	341	17	should	should	AUX
ajis02-751	341	18	be	be	AUX
ajis02-751	341	19	unchanged	unchanged	ADJ
ajis02-751	341	20	and	and	CCONJ
ajis02-751	341	21	tamper	tamper	VERB
ajis02-751	341	22	free	free	ADJ
ajis02-751	341	23	through	through	ADP
ajis02-751	341	24	encryption	encryption	NOUN
ajis02-751	341	25	and	and	CCONJ
ajis02-751	341	26	digital	digital	ADJ
ajis02-751	341	27	signatures	signature	NOUN
ajis02-751	341	28	.	.	PUNCT
ajis02-751	342	1	information	information	NOUN
ajis02-751	342	2	accessibility	accessibility	NOUN
ajis02-751	342	3	and	and	CCONJ
ajis02-751	342	4	availability	availability	NOUN
ajis02-751	342	5	should	should	AUX
ajis02-751	342	6	be	be	AUX
ajis02-751	342	7	delivered	deliver	VERB
ajis02-751	342	8	in	in	ADP
ajis02-751	342	9	as	as	ADV
ajis02-751	342	10	reliable	reliable	ADJ
ajis02-751	342	11	and	and	CCONJ
ajis02-751	342	12	authorised	authorise	VERB
ajis02-751	342	13	a	a	DET
ajis02-751	342	14	manner	manner	NOUN
ajis02-751	342	15	as	as	ADP
ajis02-751	342	16	possible	possible	ADJ
ajis02-751	342	17	.	.	PUNCT
ajis02-751	343	1	banks	bank	NOUN
ajis02-751	343	2	are	be	AUX
ajis02-751	343	3	striving	strive	VERB
ajis02-751	343	4	to	to	PART
ajis02-751	343	5	provide	provide	VERB
ajis02-751	343	6	appropriate	appropriate	ADJ
ajis02-751	343	7	measures	measure	NOUN
ajis02-751	343	8	to	to	PART
ajis02-751	343	9	protect	protect	VERB
ajis02-751	343	10	consumers	consumer	NOUN
ajis02-751	343	11	’	'	PUNCT
ajis02-751	343	12	authentication	authentication	NOUN
ajis02-751	343	13	and	and	CCONJ
ajis02-751	343	14	authorisation	authorisation	NOUN
ajis02-751	343	15	regarding	regard	VERB
ajis02-751	343	16	their	their	PRON
ajis02-751	343	17	internet	internet	NOUN
ajis02-751	343	18	-	-	PUNCT
ajis02-751	343	19	based	base	VERB
ajis02-751	343	20	financial	financial	ADJ
ajis02-751	343	21	transactions	transaction	NOUN
ajis02-751	343	22	through	through	ADP
ajis02-751	343	23	creation	creation	NOUN
ajis02-751	343	24	of	of	ADP
ajis02-751	343	25	passwords	password	NOUN
ajis02-751	343	26	and	and	CCONJ
ajis02-751	343	27	access	access	NOUN
ajis02-751	343	28	control	control	NOUN
ajis02-751	343	29	policies	policy	NOUN
ajis02-751	343	30	.	.	PUNCT
ajis02-751	344	1	banks	bank	NOUN
ajis02-751	344	2	may	may	AUX
ajis02-751	344	3	need	need	VERB
ajis02-751	344	4	to	to	PART
ajis02-751	344	5	ensure	ensure	VERB
ajis02-751	344	6	non	non	ADJ
ajis02-751	344	7	-	-	ADJ
ajis02-751	344	8	repudiation	repudiation	ADJ
ajis02-751	344	9	measures	measure	NOUN
ajis02-751	344	10	such	such	ADJ
ajis02-751	344	11	as	as	ADP
ajis02-751	344	12	confidentiality	confidentiality	NOUN
ajis02-751	344	13	associated	associate	VERB
ajis02-751	344	14	to	to	ADP
ajis02-751	344	15	information	information	NOUN
ajis02-751	344	16	passed	pass	VERB
ajis02-751	344	17	over	over	ADP
ajis02-751	344	18	the	the	DET
ajis02-751	344	19	network	network	NOUN
ajis02-751	344	20	during	during	ADP
ajis02-751	344	21	communication	communication	NOUN
ajis02-751	344	22	and	and	CCONJ
ajis02-751	344	23	stored	store	VERB
ajis02-751	344	24	at	at	ADP
ajis02-751	344	25	different	different	ADJ
ajis02-751	344	26	locations	location	NOUN
ajis02-751	344	27	through	through	ADP
ajis02-751	344	28	digital	digital	ADJ
ajis02-751	344	29	signatures	signature	NOUN
ajis02-751	344	30	and	and	CCONJ
ajis02-751	344	31	certificates	certificate	NOUN
ajis02-751	344	32	issued	issue	VERB
ajis02-751	344	33	to	to	ADP
ajis02-751	344	34	the	the	DET
ajis02-751	344	35	internet	internet	NOUN
ajis02-751	344	36	banking	banking	NOUN
ajis02-751	344	37	users	user	NOUN
ajis02-751	344	38	.	.	PUNCT
ajis02-751	345	1	moreover	moreover	ADV
ajis02-751	345	2	,	,	PUNCT
ajis02-751	345	3	banks	bank	NOUN
ajis02-751	345	4	need	need	VERB
ajis02-751	345	5	to	to	PART
ajis02-751	345	6	continue	continue	VERB
ajis02-751	345	7	to	to	PART
ajis02-751	345	8	protect	protect	VERB
ajis02-751	345	9	consumers	consumer	NOUN
ajis02-751	345	10	’	’	PART
ajis02-751	345	11	privacy	privacy	NOUN
ajis02-751	345	12	through	through	ADP
ajis02-751	345	13	various	various	ADJ
ajis02-751	345	14	policies	policy	NOUN
ajis02-751	345	15	and	and	CCONJ
ajis02-751	345	16	disclosures	disclosure	NOUN
ajis02-751	345	17	.	.	PUNCT
ajis02-751	346	1	banks	bank	NOUN
ajis02-751	346	2	in	in	ADP
ajis02-751	346	3	future	future	NOUN
ajis02-751	346	4	should	should	AUX
ajis02-751	346	5	demonstrate	demonstrate	VERB
ajis02-751	346	6	the	the	DET
ajis02-751	346	7	ability	ability	NOUN
ajis02-751	346	8	to	to	PART
ajis02-751	346	9	send	send	VERB
ajis02-751	346	10	personalised	personalised	ADJ
ajis02-751	346	11	messages	message	NOUN
ajis02-751	346	12	to	to	ADP
ajis02-751	346	13	their	their	PRON
ajis02-751	346	14	prospective	prospective	ADJ
ajis02-751	346	15	and	and	CCONJ
ajis02-751	346	16	potential	potential	ADJ
ajis02-751	346	17	internet	internet	NOUN
ajis02-751	346	18	banking	banking	NOUN
ajis02-751	346	19	consumers	consumer	NOUN
ajis02-751	346	20	eliciting	elicit	VERB
ajis02-751	346	21	them	they	PRON
ajis02-751	346	22	as	as	ADP
ajis02-751	346	23	unique	unique	ADJ
ajis02-751	346	24	customers	customer	NOUN
ajis02-751	346	25	and	and	CCONJ
ajis02-751	346	26	,	,	PUNCT
ajis02-751	346	27	when	when	SCONJ
ajis02-751	346	28	possible	possible	ADJ
ajis02-751	346	29	,	,	PUNCT
ajis02-751	346	30	retrieve	retrieve	VERB
ajis02-751	346	31	consumers	consumer	NOUN
ajis02-751	346	32	’	'	PUNCT
ajis02-751	346	33	feedback	feedback	NOUN
ajis02-751	346	34	with	with	ADP
ajis02-751	346	35	regard	regard	NOUN
ajis02-751	346	36	to	to	ADP
ajis02-751	346	37	their	their	PRON
ajis02-751	346	38	service	service	NOUN
ajis02-751	346	39	provision	provision	NOUN
ajis02-751	346	40	.	.	PUNCT
ajis02-751	347	1	installation	installation	NOUN
ajis02-751	347	2	of	of	ADP
ajis02-751	347	3	voice	voice	NOUN
ajis02-751	347	4	prompts	prompt	NOUN
ajis02-751	347	5	by	by	ADP
ajis02-751	347	6	bank	bank	NOUN
ajis02-751	347	7	management	management	NOUN
ajis02-751	347	8	may	may	AUX
ajis02-751	347	9	create	create	VERB
ajis02-751	347	10	a	a	DET
ajis02-751	347	11	sort	sort	NOUN
ajis02-751	347	12	of	of	ADP
ajis02-751	347	13	online	online	ADJ
ajis02-751	347	14	personal	personal	ADJ
ajis02-751	347	15	help	help	NOUN
ajis02-751	347	16	and	and	CCONJ
ajis02-751	347	17	thus	thus	ADV
ajis02-751	347	18	attract	attract	VERB
ajis02-751	347	19	more	more	ADJ
ajis02-751	347	20	consumers	consumer	NOUN
ajis02-751	347	21	to	to	PART
ajis02-751	347	22	use	use	VERB
ajis02-751	347	23	internet	internet	NOUN
ajis02-751	347	24	banking	banking	NOUN
ajis02-751	347	25	channel	channel	NOUN
ajis02-751	347	26	.	.	PUNCT
ajis02-751	348	1	at	at	ADP
ajis02-751	348	2	this	this	DET
ajis02-751	348	3	juncture	juncture	NOUN
ajis02-751	348	4	,	,	PUNCT
ajis02-751	348	5	banks	bank	NOUN
ajis02-751	348	6	need	need	VERB
ajis02-751	348	7	to	to	PART
ajis02-751	348	8	take	take	VERB
ajis02-751	348	9	advantage	advantage	NOUN
ajis02-751	348	10	of	of	ADP
ajis02-751	348	11	marketing	marketing	NOUN
ajis02-751	348	12	communications	communication	NOUN
ajis02-751	348	13	in	in	ADP
ajis02-751	348	14	reaching	reach	VERB
ajis02-751	348	15	their	their	PRON
ajis02-751	348	16	effective	effective	ADJ
ajis02-751	348	17	target	target	NOUN
ajis02-751	348	18	group	group	NOUN
ajis02-751	348	19	in	in	ADP
ajis02-751	348	20	order	order	NOUN
ajis02-751	348	21	to	to	PART
ajis02-751	348	22	further	far	ADV
ajis02-751	348	23	enhance	enhance	VERB
ajis02-751	348	24	their	their	PRON
ajis02-751	348	25	productivity	productivity	NOUN
ajis02-751	348	26	and	and	CCONJ
ajis02-751	348	27	maximise	maximise	VERB
ajis02-751	348	28	their	their	PRON
ajis02-751	348	29	profits	profit	NOUN
ajis02-751	348	30	.	.	PUNCT
ajis02-751	349	1	brochures	brochure	NOUN
ajis02-751	349	2	,	,	PUNCT
ajis02-751	349	3	seminars	seminar	NOUN
ajis02-751	349	4	and	and	CCONJ
ajis02-751	349	5	online	online	ADJ
ajis02-751	349	6	information	information	NOUN
ajis02-751	349	7	content	content	NOUN
ajis02-751	349	8	must	must	AUX
ajis02-751	349	9	be	be	AUX
ajis02-751	349	10	developed	develop	VERB
ajis02-751	349	11	based	base	VERB
ajis02-751	349	12	on	on	ADP
ajis02-751	349	13	a	a	DET
ajis02-751	349	14	clear	clear	ADJ
ajis02-751	349	15	understanding	understanding	NOUN
ajis02-751	349	16	of	of	ADP
ajis02-751	349	17	the	the	DET
ajis02-751	349	18	current	current	ADJ
ajis02-751	349	19	knowledge	knowledge	NOUN
ajis02-751	349	20	level	level	NOUN
ajis02-751	349	21	of	of	ADP
ajis02-751	349	22	the	the	DET
ajis02-751	349	23	customers	customer	NOUN
ajis02-751	349	24	.	.	PUNCT
ajis02-751	350	1	bank	bank	NOUN
ajis02-751	350	2	management	management	NOUN
ajis02-751	350	3	may	may	AUX
ajis02-751	350	4	need	need	VERB
ajis02-751	350	5	to	to	PART
ajis02-751	350	6	consider	consider	VERB
ajis02-751	350	7	exerting	exert	VERB
ajis02-751	350	8	a	a	DET
ajis02-751	350	9	great	great	ADJ
ajis02-751	350	10	effort	effort	NOUN
ajis02-751	350	11	whilst	whilst	SCONJ
ajis02-751	350	12	selecting	select	VERB
ajis02-751	350	13	and	and	CCONJ
ajis02-751	350	14	training	train	VERB
ajis02-751	350	15	the	the	DET
ajis02-751	350	16	online	online	ADJ
ajis02-751	350	17	contact	contact	NOUN
ajis02-751	350	18	personnel	personnel	NOUN
ajis02-751	350	19	.	.	PUNCT
ajis02-751	351	1	online	online	ADJ
ajis02-751	351	2	australasian	australasian	ADJ
ajis02-751	351	3	journal	journal	NOUN
ajis02-751	351	4	of	of	ADP
ajis02-751	351	5	information	information	NOUN
ajis02-751	351	6	systems	system	NOUN
ajis02-751	351	7	volume	volume	NOUN
ajis02-751	351	8	18	18	NUM
ajis02-751	351	9	number1	number1	NOUN
ajis02-751	351	10	2013	2013	NUM
ajis02-751	351	11	25	25	NUM
ajis02-751	351	12	contact	contact	NOUN
ajis02-751	351	13	personnel	personnel	NOUN
ajis02-751	351	14	should	should	AUX
ajis02-751	351	15	also	also	ADV
ajis02-751	351	16	be	be	AUX
ajis02-751	351	17	monitored	monitor	VERB
ajis02-751	351	18	continuously	continuously	ADV
ajis02-751	351	19	over	over	ADP
ajis02-751	351	20	time	time	NOUN
ajis02-751	351	21	regarding	regard	VERB
ajis02-751	351	22	their	their	PRON
ajis02-751	351	23	appropriateness	appropriateness	NOUN
ajis02-751	351	24	of	of	ADP
ajis02-751	351	25	their	their	PRON
ajis02-751	351	26	level	level	NOUN
ajis02-751	351	27	of	of	ADP
ajis02-751	351	28	knowledge	knowledge	NOUN
ajis02-751	351	29	and	and	CCONJ
ajis02-751	351	30	their	their	PRON
ajis02-751	351	31	attitude	attitude	NOUN
ajis02-751	351	32	towards	towards	ADP
ajis02-751	351	33	customers	customer	NOUN
ajis02-751	351	34	.	.	PUNCT
ajis02-751	352	1	retail	retail	ADJ
ajis02-751	352	2	banking	banking	NOUN
ajis02-751	352	3	and	and	CCONJ
ajis02-751	352	4	marketing	marketing	NOUN
ajis02-751	352	5	managers	manager	NOUN
ajis02-751	352	6	may	may	AUX
ajis02-751	352	7	need	need	VERB
ajis02-751	352	8	to	to	PART
ajis02-751	352	9	have	have	VERB
ajis02-751	352	10	a	a	DET
ajis02-751	352	11	coherent	coherent	ADJ
ajis02-751	352	12	understanding	understanding	NOUN
ajis02-751	352	13	of	of	ADP
ajis02-751	352	14	the	the	DET
ajis02-751	352	15	relative	relative	ADJ
ajis02-751	352	16	importance	importance	NOUN
ajis02-751	352	17	of	of	ADP
ajis02-751	352	18	the	the	DET
ajis02-751	352	19	various	various	ADJ
ajis02-751	352	20	dimensions	dimension	NOUN
ajis02-751	352	21	of	of	ADP
ajis02-751	352	22	value	value	NOUN
ajis02-751	352	23	as	as	SCONJ
ajis02-751	352	24	perceived	perceive	VERB
ajis02-751	352	25	by	by	ADP
ajis02-751	352	26	customers	customer	NOUN
ajis02-751	352	27	during	during	ADP
ajis02-751	352	28	their	their	PRON
ajis02-751	352	29	evaluations	evaluation	NOUN
ajis02-751	352	30	and	and	CCONJ
ajis02-751	352	31	accordingly	accordingly	ADV
ajis02-751	352	32	develop	develop	VERB
ajis02-751	352	33	marketing	marketing	NOUN
ajis02-751	352	34	strategies	strategy	NOUN
ajis02-751	352	35	.	.	PUNCT
ajis02-751	353	1	thus	thus	ADV
ajis02-751	353	2	,	,	PUNCT
ajis02-751	353	3	bank	bank	NOUN
ajis02-751	353	4	management	management	NOUN
ajis02-751	353	5	and	and	CCONJ
ajis02-751	353	6	retail	retail	ADJ
ajis02-751	353	7	banking	banking	NOUN
ajis02-751	353	8	marketers	marketer	NOUN
ajis02-751	353	9	try	try	VERB
ajis02-751	353	10	to	to	PART
ajis02-751	353	11	control	control	VERB
ajis02-751	353	12	or	or	CCONJ
ajis02-751	353	13	minimise	minimise	VERB
ajis02-751	353	14	the	the	DET
ajis02-751	353	15	losses	loss	NOUN
ajis02-751	353	16	and	and	CCONJ
ajis02-751	353	17	strive	strive	VERB
ajis02-751	353	18	to	to	PART
ajis02-751	353	19	enhance	enhance	VERB
ajis02-751	353	20	customer	customer	NOUN
ajis02-751	353	21	loyalty	loyalty	NOUN
ajis02-751	353	22	through	through	ADP
ajis02-751	353	23	customer	customer	NOUN
ajis02-751	353	24	satisfaction	satisfaction	NOUN
ajis02-751	353	25	by	by	ADP
ajis02-751	353	26	offering	offer	VERB
ajis02-751	353	27	a	a	DET
ajis02-751	353	28	comprehensive	comprehensive	ADJ
ajis02-751	353	29	service	service	NOUN
ajis02-751	353	30	.	.	PUNCT
ajis02-751	354	1	the	the	DET
ajis02-751	354	2	relevant	relevant	ADJ
ajis02-751	354	3	importance	importance	NOUN
ajis02-751	354	4	and	and	CCONJ
ajis02-751	354	5	hierarchical	hierarchical	ADJ
ajis02-751	354	6	impact	impact	NOUN
ajis02-751	354	7	of	of	ADP
ajis02-751	354	8	the	the	DET
ajis02-751	354	9	various	various	ADJ
ajis02-751	354	10	predictor	predictor	NOUN
ajis02-751	354	11	variables	variable	NOUN
ajis02-751	354	12	on	on	ADP
ajis02-751	354	13	consumers	consumer	NOUN
ajis02-751	354	14	’	'	PUNCT
ajis02-751	354	15	continued	continue	VERB
ajis02-751	354	16	use	use	NOUN
ajis02-751	354	17	of	of	ADP
ajis02-751	354	18	internet	internet	NOUN
ajis02-751	354	19	banking	banking	NOUN
ajis02-751	354	20	would	would	AUX
ajis02-751	354	21	help	help	VERB
ajis02-751	354	22	bank	bank	NOUN
ajis02-751	354	23	marketers	marketer	NOUN
ajis02-751	354	24	to	to	PART
ajis02-751	354	25	effectively	effectively	ADV
ajis02-751	354	26	segment	segment	VERB
ajis02-751	354	27	customers	customer	NOUN
ajis02-751	354	28	based	base	VERB
ajis02-751	354	29	on	on	ADP
ajis02-751	354	30	the	the	DET
ajis02-751	354	31	motivations	motivation	NOUN
ajis02-751	354	32	that	that	PRON
ajis02-751	354	33	drive	drive	VERB
ajis02-751	354	34	their	their	PRON
ajis02-751	354	35	online	online	ADJ
ajis02-751	354	36	banking	banking	NOUN
ajis02-751	354	37	behaviour	behaviour	NOUN
ajis02-751	354	38	,	,	PUNCT
ajis02-751	354	39	rather	rather	ADV
ajis02-751	354	40	than	than	ADP
ajis02-751	354	41	on	on	ADP
ajis02-751	354	42	traditional	traditional	ADJ
ajis02-751	354	43	methods	method	NOUN
ajis02-751	354	44	.	.	PUNCT
ajis02-751	355	1	limitations	limitation	NOUN
ajis02-751	355	2	and	and	CCONJ
ajis02-751	355	3	future	future	ADJ
ajis02-751	355	4	directions	direction	NOUN
ajis02-751	355	5	one	one	NUM
ajis02-751	355	6	of	of	ADP
ajis02-751	355	7	the	the	DET
ajis02-751	355	8	limitations	limitation	NOUN
ajis02-751	355	9	associated	associate	VERB
ajis02-751	355	10	with	with	ADP
ajis02-751	355	11	the	the	DET
ajis02-751	355	12	current	current	ADJ
ajis02-751	355	13	study	study	NOUN
ajis02-751	355	14	is	be	AUX
ajis02-751	355	15	related	relate	VERB
ajis02-751	355	16	to	to	ADP
ajis02-751	355	17	the	the	DET
ajis02-751	355	18	reduced	reduce	VERB
ajis02-751	355	19	capacity	capacity	NOUN
ajis02-751	355	20	to	to	PART
ajis02-751	355	21	draw	draw	VERB
ajis02-751	355	22	causal	causal	ADJ
ajis02-751	355	23	inferences	inference	NOUN
ajis02-751	355	24	that	that	PRON
ajis02-751	355	25	were	be	AUX
ajis02-751	355	26	inherent	inherent	ADJ
ajis02-751	355	27	in	in	ADP
ajis02-751	355	28	the	the	DET
ajis02-751	355	29	application	application	NOUN
ajis02-751	355	30	of	of	ADP
ajis02-751	355	31	a	a	DET
ajis02-751	355	32	survey	survey	NOUN
ajis02-751	355	33	type	type	NOUN
ajis02-751	355	34	of	of	ADP
ajis02-751	355	35	research	research	NOUN
ajis02-751	355	36	.	.	PUNCT
ajis02-751	356	1	the	the	DET
ajis02-751	356	2	data	datum	NOUN
ajis02-751	356	3	for	for	ADP
ajis02-751	356	4	testing	test	VERB
ajis02-751	356	5	the	the	DET
ajis02-751	356	6	conceptual	conceptual	ADJ
ajis02-751	356	7	model	model	NOUN
ajis02-751	356	8	were	be	AUX
ajis02-751	356	9	obtained	obtain	VERB
ajis02-751	356	10	in	in	ADP
ajis02-751	356	11	a	a	DET
ajis02-751	356	12	cross	cross	ADJ
ajis02-751	356	13	-	-	ADJ
ajis02-751	356	14	sectional	sectional	ADJ
ajis02-751	356	15	manner	manner	NOUN
ajis02-751	356	16	on	on	ADP
ajis02-751	356	17	a	a	DET
ajis02-751	356	18	single	single	ADJ
ajis02-751	356	19	occasion	occasion	NOUN
ajis02-751	356	20	from	from	ADP
ajis02-751	356	21	a	a	DET
ajis02-751	356	22	single	single	ADJ
ajis02-751	356	23	source	source	NOUN
ajis02-751	356	24	.	.	PUNCT
ajis02-751	357	1	therefore	therefore	ADV
ajis02-751	357	2	the	the	DET
ajis02-751	357	3	data	data	PROPN
ajis02-751	357	4	collection	collection	NOUN
ajis02-751	357	5	method	method	NOUN
ajis02-751	357	6	employed	employ	VERB
ajis02-751	357	7	in	in	ADP
ajis02-751	357	8	this	this	DET
ajis02-751	357	9	study	study	NOUN
ajis02-751	357	10	had	have	VERB
ajis02-751	357	11	the	the	DET
ajis02-751	357	12	potential	potential	NOUN
ajis02-751	357	13	for	for	ADP
ajis02-751	357	14	single	single	ADJ
ajis02-751	357	15	source	source	NOUN
ajis02-751	357	16	bias	bias	NOUN
ajis02-751	357	17	.	.	PUNCT
ajis02-751	358	1	responses	response	NOUN
ajis02-751	358	2	were	be	AUX
ajis02-751	358	3	obtained	obtain	VERB
ajis02-751	358	4	only	only	ADV
ajis02-751	358	5	from	from	ADP
ajis02-751	358	6	those	those	DET
ajis02-751	358	7	respondents	respondent	NOUN
ajis02-751	358	8	who	who	PRON
ajis02-751	358	9	agreed	agree	VERB
ajis02-751	358	10	to	to	PART
ajis02-751	358	11	answer	answer	VERB
ajis02-751	358	12	the	the	DET
ajis02-751	358	13	questionnaire	questionnaire	NOUN
ajis02-751	358	14	by	by	ADP
ajis02-751	358	15	interception	interception	NOUN
ajis02-751	358	16	in	in	ADP
ajis02-751	358	17	a	a	DET
ajis02-751	358	18	shopping	shopping	NOUN
ajis02-751	358	19	mall	mall	NOUN
ajis02-751	358	20	.	.	PUNCT
ajis02-751	359	1	therefore	therefore	ADV
ajis02-751	359	2	the	the	DET
ajis02-751	359	3	findings	finding	NOUN
ajis02-751	359	4	invite	invite	VERB
ajis02-751	359	5	speculation	speculation	NOUN
ajis02-751	359	6	with	with	ADP
ajis02-751	359	7	regard	regard	NOUN
ajis02-751	359	8	to	to	ADP
ajis02-751	359	9	causal	causal	ADJ
ajis02-751	359	10	relations	relation	NOUN
ajis02-751	359	11	concerns	concern	NOUN
ajis02-751	359	12	and	and	CCONJ
ajis02-751	359	13	further	further	ADJ
ajis02-751	359	14	testing	testing	NOUN
ajis02-751	359	15	would	would	AUX
ajis02-751	359	16	be	be	AUX
ajis02-751	359	17	essential	essential	ADJ
ajis02-751	359	18	for	for	ADP
ajis02-751	359	19	verification	verification	NOUN
ajis02-751	359	20	.	.	PUNCT
ajis02-751	360	1	in	in	ADP
ajis02-751	360	2	order	order	NOUN
ajis02-751	360	3	to	to	PART
ajis02-751	360	4	avoid	avoid	VERB
ajis02-751	360	5	any	any	DET
ajis02-751	360	6	intervention	intervention	NOUN
ajis02-751	360	7	of	of	ADP
ajis02-751	360	8	confounding	confound	VERB
ajis02-751	360	9	and	and	CCONJ
ajis02-751	360	10	spurious	spurious	ADJ
ajis02-751	360	11	relationships	relationship	NOUN
ajis02-751	360	12	,	,	PUNCT
ajis02-751	360	13	demographic	demographic	ADJ
ajis02-751	360	14	characteristics	characteristic	NOUN
ajis02-751	360	15	were	be	AUX
ajis02-751	360	16	statistically	statistically	ADV
ajis02-751	360	17	controlled	control	VERB
ajis02-751	360	18	for	for	ADP
ajis02-751	360	19	whilst	whilst	ADV
ajis02-751	360	20	performing	perform	VERB
ajis02-751	360	21	hierarchical	hierarchical	ADJ
ajis02-751	360	22	multiple	multiple	ADJ
ajis02-751	360	23	regression	regression	NOUN
ajis02-751	360	24	analysis	analysis	NOUN
ajis02-751	360	25	.	.	PUNCT
ajis02-751	361	1	another	another	DET
ajis02-751	361	2	limitation	limitation	NOUN
ajis02-751	361	3	of	of	ADP
ajis02-751	361	4	this	this	DET
ajis02-751	361	5	study	study	NOUN
ajis02-751	361	6	is	be	AUX
ajis02-751	361	7	the	the	DET
ajis02-751	361	8	use	use	NOUN
ajis02-751	361	9	of	of	ADP
ajis02-751	361	10	self	self	NOUN
ajis02-751	361	11	-	-	PUNCT
ajis02-751	361	12	report	report	NOUN
ajis02-751	361	13	measures	measure	NOUN
ajis02-751	361	14	associated	associate	VERB
ajis02-751	361	15	with	with	ADP
ajis02-751	361	16	consumers	consumer	NOUN
ajis02-751	361	17	’	’	PART
ajis02-751	361	18	perceptions	perception	NOUN
ajis02-751	361	19	of	of	ADP
ajis02-751	361	20	internet	internet	NOUN
ajis02-751	361	21	banking	banking	NOUN
ajis02-751	361	22	.	.	PUNCT
ajis02-751	362	1	such	such	ADJ
ajis02-751	362	2	measures	measure	NOUN
ajis02-751	362	3	have	have	VERB
ajis02-751	362	4	the	the	DET
ajis02-751	362	5	potential	potential	NOUN
ajis02-751	362	6	to	to	PART
ajis02-751	362	7	confound	confound	VERB
ajis02-751	362	8	findings	finding	NOUN
ajis02-751	362	9	due	due	ADJ
ajis02-751	362	10	to	to	ADP
ajis02-751	362	11	common	common	ADJ
ajis02-751	362	12	method	method	NOUN
ajis02-751	362	13	variance	variance	NOUN
ajis02-751	362	14	.	.	PUNCT
ajis02-751	363	1	although	although	SCONJ
ajis02-751	363	2	a	a	DET
ajis02-751	363	3	limitation	limitation	NOUN
ajis02-751	363	4	,	,	PUNCT
ajis02-751	363	5	nevertheless	nevertheless	ADV
ajis02-751	363	6	it	it	PRON
ajis02-751	363	7	was	be	AUX
ajis02-751	363	8	a	a	DET
ajis02-751	363	9	convenient	convenient	ADJ
ajis02-751	363	10	method	method	NOUN
ajis02-751	363	11	that	that	PRON
ajis02-751	363	12	allowed	allow	VERB
ajis02-751	363	13	the	the	DET
ajis02-751	363	14	researcher	researcher	NOUN
ajis02-751	363	15	to	to	PART
ajis02-751	363	16	efficiently	efficiently	ADV
ajis02-751	363	17	examine	examine	VERB
ajis02-751	363	18	the	the	DET
ajis02-751	363	19	large	large	ADJ
ajis02-751	363	20	number	number	NOUN
ajis02-751	363	21	of	of	ADP
ajis02-751	363	22	relevant	relevant	ADJ
ajis02-751	363	23	variables	variable	NOUN
ajis02-751	363	24	from	from	ADP
ajis02-751	363	25	a	a	DET
ajis02-751	363	26	wider	wide	ADJ
ajis02-751	363	27	sample	sample	NOUN
ajis02-751	363	28	.	.	PUNCT
ajis02-751	364	1	however	however	ADV
ajis02-751	364	2	,	,	PUNCT
ajis02-751	364	3	there	there	PRON
ajis02-751	364	4	was	be	VERB
ajis02-751	364	5	no	no	DET
ajis02-751	364	6	sign	sign	NOUN
ajis02-751	364	7	of	of	ADP
ajis02-751	364	8	lack	lack	NOUN
ajis02-751	364	9	of	of	ADP
ajis02-751	364	10	discriminant	discriminant	ADJ
ajis02-751	364	11	validity	validity	NOUN
ajis02-751	364	12	,	,	PUNCT
ajis02-751	364	13	the	the	DET
ajis02-751	364	14	usual	usual	ADJ
ajis02-751	364	15	sign	sign	NOUN
ajis02-751	364	16	of	of	ADP
ajis02-751	364	17	common	common	ADJ
ajis02-751	364	18	method	method	NOUN
ajis02-751	364	19	variance	variance	NOUN
ajis02-751	364	20	among	among	ADP
ajis02-751	364	21	the	the	DET
ajis02-751	364	22	principal	principal	ADJ
ajis02-751	364	23	constructs	construct	NOUN
ajis02-751	364	24	.	.	PUNCT
ajis02-751	365	1	also	also	ADV
ajis02-751	365	2	self	self	NOUN
ajis02-751	365	3	-	-	PUNCT
ajis02-751	365	4	report	report	NOUN
ajis02-751	365	5	measures	measure	NOUN
ajis02-751	365	6	have	have	AUX
ajis02-751	365	7	been	be	AUX
ajis02-751	365	8	successfully	successfully	ADV
ajis02-751	365	9	used	use	VERB
ajis02-751	365	10	in	in	ADP
ajis02-751	365	11	prior	prior	ADJ
ajis02-751	365	12	research	research	NOUN
ajis02-751	365	13	(	(	PUNCT
ajis02-751	365	14	yousafzai	yousafzai	PROPN
ajis02-751	365	15	et	et	PROPN
ajis02-751	365	16	al	al	PROPN
ajis02-751	365	17	.	.	PROPN
ajis02-751	365	18	2005	2005	NUM
ajis02-751	365	19	;	;	PUNCT
ajis02-751	365	20	straub	straub	PROPN
ajis02-751	365	21	et	et	PROPN
ajis02-751	365	22	al	al	PROPN
ajis02-751	365	23	.	.	PROPN
ajis02-751	365	24	1995	1995	NUM
ajis02-751	365	25	)	)	PUNCT
ajis02-751	365	26	.	.	PUNCT
ajis02-751	366	1	the	the	DET
ajis02-751	366	2	issue	issue	NOUN
ajis02-751	366	3	of	of	ADP
ajis02-751	366	4	generalisability	generalisability	NOUN
ajis02-751	366	5	is	be	AUX
ajis02-751	366	6	a	a	DET
ajis02-751	366	7	limitation	limitation	NOUN
ajis02-751	366	8	in	in	ADP
ajis02-751	366	9	most	most	ADJ
ajis02-751	366	10	of	of	ADP
ajis02-751	366	11	the	the	DET
ajis02-751	366	12	consumer	consumer	NOUN
ajis02-751	366	13	behaviour	behaviour	NOUN
ajis02-751	366	14	studies	study	NOUN
ajis02-751	366	15	and	and	CCONJ
ajis02-751	366	16	the	the	DET
ajis02-751	366	17	present	present	ADJ
ajis02-751	366	18	study	study	NOUN
ajis02-751	366	19	is	be	AUX
ajis02-751	366	20	no	no	DET
ajis02-751	366	21	exception	exception	NOUN
ajis02-751	366	22	.	.	PUNCT
ajis02-751	367	1	the	the	DET
ajis02-751	367	2	study	study	NOUN
ajis02-751	367	3	has	have	AUX
ajis02-751	367	4	been	be	AUX
ajis02-751	367	5	conducted	conduct	VERB
ajis02-751	367	6	in	in	ADP
ajis02-751	367	7	australia	australia	PROPN
ajis02-751	367	8	and	and	CCONJ
ajis02-751	367	9	specifically	specifically	ADV
ajis02-751	367	10	targeted	target	VERB
ajis02-751	367	11	the	the	DET
ajis02-751	367	12	retail	retail	ADJ
ajis02-751	367	13	banking	banking	NOUN
ajis02-751	367	14	consumers	consumer	NOUN
ajis02-751	367	15	who	who	PRON
ajis02-751	367	16	were	be	AUX
ajis02-751	367	17	internet	internet	NOUN
ajis02-751	367	18	banking	banking	NOUN
ajis02-751	367	19	users	user	NOUN
ajis02-751	367	20	and	and	CCONJ
ajis02-751	367	21	non	non	NOUN
ajis02-751	367	22	-	-	NOUN
ajis02-751	367	23	users	user	NOUN
ajis02-751	367	24	.	.	PUNCT
ajis02-751	368	1	the	the	DET
ajis02-751	368	2	resultant	resultant	NOUN
ajis02-751	368	3	findings	finding	NOUN
ajis02-751	368	4	may	may	AUX
ajis02-751	368	5	vary	vary	VERB
ajis02-751	368	6	with	with	ADP
ajis02-751	368	7	the	the	DET
ajis02-751	368	8	application	application	NOUN
ajis02-751	368	9	of	of	ADP
ajis02-751	368	10	the	the	DET
ajis02-751	368	11	study	study	NOUN
ajis02-751	368	12	to	to	ADP
ajis02-751	368	13	other	other	ADJ
ajis02-751	368	14	banking	banking	NOUN
ajis02-751	368	15	contexts	context	NOUN
ajis02-751	368	16	and	and	CCONJ
ajis02-751	368	17	other	other	ADJ
ajis02-751	368	18	countries	country	NOUN
ajis02-751	368	19	.	.	PUNCT
ajis02-751	369	1	prior	prior	ADJ
ajis02-751	369	2	internet	internet	NOUN
ajis02-751	369	3	banking	banking	NOUN
ajis02-751	369	4	research	research	NOUN
ajis02-751	369	5	indicated	indicate	VERB
ajis02-751	369	6	variation	variation	NOUN
ajis02-751	369	7	in	in	ADP
ajis02-751	369	8	the	the	DET
ajis02-751	369	9	findings	finding	NOUN
ajis02-751	369	10	obtained	obtain	VERB
ajis02-751	369	11	when	when	SCONJ
ajis02-751	369	12	conducted	conduct	VERB
ajis02-751	369	13	in	in	ADP
ajis02-751	369	14	cross	cross	ADJ
ajis02-751	369	15	-	-	ADJ
ajis02-751	369	16	cultural	cultural	ADJ
ajis02-751	369	17	contexts	contexts	NOUN
ajis02-751	369	18	(	(	PUNCT
ajis02-751	369	19	unnithan	unnithan	PROPN
ajis02-751	369	20	&	&	CCONJ
ajis02-751	369	21	swatman	swatman	NOUN
ajis02-751	369	22	2001	2001	NUM
ajis02-751	369	23	)	)	PUNCT
ajis02-751	369	24	.	.	PUNCT
ajis02-751	370	1	this	this	PRON
ajis02-751	370	2	may	may	AUX
ajis02-751	370	3	possibly	possibly	ADV
ajis02-751	370	4	explain	explain	VERB
ajis02-751	370	5	why	why	SCONJ
ajis02-751	370	6	some	some	PRON
ajis02-751	370	7	of	of	ADP
ajis02-751	370	8	the	the	DET
ajis02-751	370	9	theorised	theorise	VERB
ajis02-751	370	10	relationships	relationship	NOUN
ajis02-751	370	11	between	between	ADP
ajis02-751	370	12	certain	certain	ADJ
ajis02-751	370	13	factors	factor	NOUN
ajis02-751	370	14	and	and	CCONJ
ajis02-751	370	15	consumers	consumer	NOUN
ajis02-751	370	16	’	'	PUNCT
ajis02-751	370	17	continued	continue	VERB
ajis02-751	370	18	use	use	NOUN
ajis02-751	370	19	of	of	ADP
ajis02-751	370	20	internet	internet	NOUN
ajis02-751	370	21	banking	banking	NOUN
ajis02-751	370	22	did	do	AUX
ajis02-751	370	23	not	not	PART
ajis02-751	370	24	materialise	materialise	VERB
ajis02-751	370	25	.	.	PUNCT
ajis02-751	371	1	therefore	therefore	ADV
ajis02-751	371	2	the	the	DET
ajis02-751	371	3	present	present	ADJ
ajis02-751	371	4	study	study	NOUN
ajis02-751	371	5	could	could	AUX
ajis02-751	371	6	not	not	PART
ajis02-751	371	7	either	either	ADV
ajis02-751	371	8	rule	rule	VERB
ajis02-751	371	9	out	out	ADP
ajis02-751	371	10	or	or	CCONJ
ajis02-751	371	11	rule	rule	VERB
ajis02-751	371	12	in	in	ADP
ajis02-751	371	13	the	the	DET
ajis02-751	371	14	predicted	predict	VERB
ajis02-751	371	15	effects	effect	NOUN
ajis02-751	371	16	in	in	ADP
ajis02-751	371	17	these	these	DET
ajis02-751	371	18	areas	area	NOUN
ajis02-751	371	19	unequivocally	unequivocally	ADV
ajis02-751	371	20	.	.	PUNCT
ajis02-751	372	1	this	this	DET
ajis02-751	372	2	issue	issue	NOUN
ajis02-751	372	3	could	could	AUX
ajis02-751	372	4	be	be	AUX
ajis02-751	372	5	attributed	attribute	VERB
ajis02-751	372	6	partly	partly	ADV
ajis02-751	372	7	to	to	ADP
ajis02-751	372	8	the	the	DET
ajis02-751	372	9	complexities	complexity	NOUN
ajis02-751	372	10	of	of	ADP
ajis02-751	372	11	the	the	DET
ajis02-751	372	12	models	model	NOUN
ajis02-751	372	13	tested	test	VERB
ajis02-751	372	14	.	.	PUNCT
ajis02-751	373	1	furthermore	furthermore	ADV
ajis02-751	373	2	,	,	PUNCT
ajis02-751	373	3	this	this	DET
ajis02-751	373	4	research	research	NOUN
ajis02-751	373	5	did	do	AUX
ajis02-751	373	6	not	not	PART
ajis02-751	373	7	investigate	investigate	VERB
ajis02-751	373	8	whether	whether	SCONJ
ajis02-751	373	9	the	the	DET
ajis02-751	373	10	predictor	predictor	NOUN
ajis02-751	373	11	variables	variable	NOUN
ajis02-751	373	12	exhibit	exhibit	VERB
ajis02-751	373	13	any	any	DET
ajis02-751	373	14	differences	difference	NOUN
ajis02-751	373	15	as	as	ADP
ajis02-751	373	16	a	a	DET
ajis02-751	373	17	function	function	NOUN
ajis02-751	373	18	of	of	ADP
ajis02-751	373	19	consumers	consumer	NOUN
ajis02-751	373	20	’	'	PUNCT
ajis02-751	373	21	familiarity	familiarity	NOUN
ajis02-751	373	22	,	,	PUNCT
ajis02-751	373	23	nature	nature	NOUN
ajis02-751	373	24	and	and	CCONJ
ajis02-751	373	25	type	type	NOUN
ajis02-751	373	26	of	of	ADP
ajis02-751	373	27	internet	internet	NOUN
ajis02-751	373	28	banking	banking	NOUN
ajis02-751	373	29	transactions	transaction	NOUN
ajis02-751	373	30	and	and	CCONJ
ajis02-751	373	31	would	would	AUX
ajis02-751	373	32	result	result	VERB
ajis02-751	373	33	in	in	ADP
ajis02-751	373	34	any	any	DET
ajis02-751	373	35	moderating	moderate	VERB
ajis02-751	373	36	or	or	CCONJ
ajis02-751	373	37	mediating	mediating	NOUN
ajis02-751	373	38	effects	effect	NOUN
ajis02-751	373	39	.	.	PUNCT
ajis02-751	374	1	similarly	similarly	ADV
ajis02-751	374	2	,	,	PUNCT
ajis02-751	374	3	the	the	DET
ajis02-751	374	4	study	study	NOUN
ajis02-751	374	5	did	do	AUX
ajis02-751	374	6	not	not	PART
ajis02-751	374	7	take	take	VERB
ajis02-751	374	8	into	into	ADP
ajis02-751	374	9	consideration	consideration	NOUN
ajis02-751	374	10	soderlund	soderlund	NOUN
ajis02-751	374	11	’s	’s	PART
ajis02-751	374	12	intentions	intention	NOUN
ajis02-751	374	13	approach	approach	NOUN
ajis02-751	374	14	,	,	PUNCT
ajis02-751	374	15	commonly	commonly	ADV
ajis02-751	374	16	used	use	VERB
ajis02-751	374	17	in	in	ADP
ajis02-751	374	18	the	the	DET
ajis02-751	374	19	consumers	consumer	NOUN
ajis02-751	374	20	’	'	PUNCT
ajis02-751	374	21	repurchase	repurchase	VERB
ajis02-751	374	22	intentions	intention	NOUN
ajis02-751	374	23	as	as	SCONJ
ajis02-751	374	24	the	the	DET
ajis02-751	374	25	aforementioned	aforementioned	ADJ
ajis02-751	374	26	focuses	focus	VERB
ajis02-751	374	27	on	on	ADP
ajis02-751	374	28	customer	customer	NOUN
ajis02-751	374	29	satisfaction	satisfaction	NOUN
ajis02-751	374	30	and	and	CCONJ
ajis02-751	374	31	customer	customer	NOUN
ajis02-751	374	32	familiarity	familiarity	NOUN
ajis02-751	374	33	variables	variable	NOUN
ajis02-751	374	34	.	.	PUNCT
ajis02-751	375	1	however	however	ADV
ajis02-751	375	2	,	,	PUNCT
ajis02-751	375	3	it	it	PRON
ajis02-751	375	4	is	be	AUX
ajis02-751	375	5	hoped	hope	VERB
ajis02-751	375	6	that	that	SCONJ
ajis02-751	375	7	findings	finding	NOUN
ajis02-751	375	8	from	from	ADP
ajis02-751	375	9	this	this	DET
ajis02-751	375	10	study	study	NOUN
ajis02-751	375	11	will	will	AUX
ajis02-751	375	12	stimulate	stimulate	VERB
ajis02-751	375	13	additional	additional	ADJ
ajis02-751	375	14	research	research	NOUN
ajis02-751	375	15	and	and	CCONJ
ajis02-751	375	16	will	will	AUX
ajis02-751	375	17	enhance	enhance	VERB
ajis02-751	375	18	our	our	PRON
ajis02-751	375	19	australasian	australasian	ADJ
ajis02-751	375	20	journal	journal	NOUN
ajis02-751	375	21	of	of	ADP
ajis02-751	375	22	information	information	NOUN
ajis02-751	375	23	systems	system	NOUN
ajis02-751	375	24	volume	volume	NOUN
ajis02-751	375	25	18	18	NUM
ajis02-751	375	26	number1	number1	NOUN
ajis02-751	375	27	2013	2013	NUM
ajis02-751	375	28	26	26	NUM
ajis02-751	375	29	understanding	understanding	NOUN
ajis02-751	375	30	of	of	ADP
ajis02-751	375	31	the	the	DET
ajis02-751	375	32	role	role	NOUN
ajis02-751	375	33	of	of	ADP
ajis02-751	375	34	various	various	ADJ
ajis02-751	375	35	factors	factor	NOUN
ajis02-751	375	36	exerted	exert	VERB
ajis02-751	375	37	as	as	ADP
ajis02-751	375	38	predictor	predictor	NOUN
ajis02-751	375	39	variables	variable	NOUN
ajis02-751	375	40	on	on	ADP
ajis02-751	375	41	consumers	consumer	NOUN
ajis02-751	375	42	’	'	PUNCT
ajis02-751	375	43	continued	continue	VERB
ajis02-751	375	44	use	use	NOUN
ajis02-751	375	45	of	of	ADP
ajis02-751	375	46	internet	internet	NOUN
ajis02-751	375	47	banking	banking	NOUN
ajis02-751	375	48	outcomes	outcome	NOUN
ajis02-751	375	49	.	.	PUNCT
ajis02-751	376	1	therefore	therefore	ADV
ajis02-751	376	2	,	,	PUNCT
ajis02-751	376	3	replication	replication	NOUN
ajis02-751	376	4	of	of	ADP
ajis02-751	376	5	similar	similar	ADJ
ajis02-751	376	6	research	research	NOUN
ajis02-751	376	7	and	and	CCONJ
ajis02-751	376	8	samples	sample	NOUN
ajis02-751	376	9	would	would	AUX
ajis02-751	376	10	enhance	enhance	VERB
ajis02-751	376	11	our	our	PRON
ajis02-751	376	12	knowledge	knowledge	NOUN
ajis02-751	376	13	whether	whether	SCONJ
ajis02-751	376	14	or	or	CCONJ
ajis02-751	376	15	not	not	PART
ajis02-751	376	16	this	this	DET
ajis02-751	376	17	absence	absence	NOUN
ajis02-751	376	18	of	of	ADP
ajis02-751	376	19	confirmation	confirmation	NOUN
ajis02-751	376	20	may	may	AUX
ajis02-751	376	21	be	be	AUX
ajis02-751	376	22	attributed	attribute	VERB
ajis02-751	376	23	to	to	ADP
ajis02-751	376	24	the	the	DET
ajis02-751	376	25	industry	industry	NOUN
ajis02-751	376	26	-	-	PUNCT
ajis02-751	376	27	related	relate	VERB
ajis02-751	376	28	sample	sample	NOUN
ajis02-751	376	29	.	.	PUNCT
ajis02-751	377	1	the	the	DET
ajis02-751	377	2	findings	finding	NOUN
ajis02-751	377	3	obtained	obtain	VERB
ajis02-751	377	4	from	from	ADP
ajis02-751	377	5	the	the	DET
ajis02-751	377	6	study	study	NOUN
ajis02-751	377	7	relate	relate	VERB
ajis02-751	377	8	to	to	ADP
ajis02-751	377	9	the	the	DET
ajis02-751	377	10	financial	financial	ADJ
ajis02-751	377	11	services	service	NOUN
ajis02-751	377	12	sector	sector	NOUN
ajis02-751	377	13	,	,	PUNCT
ajis02-751	377	14	retail	retail	ADJ
ajis02-751	377	15	banking	banking	NOUN
ajis02-751	377	16	industry	industry	NOUN
ajis02-751	377	17	in	in	ADP
ajis02-751	377	18	general	general	ADJ
ajis02-751	377	19	and	and	CCONJ
ajis02-751	377	20	specifically	specifically	ADV
ajis02-751	377	21	address	address	VERB
ajis02-751	377	22	consumers	consumer	NOUN
ajis02-751	377	23	’	'	PUNCT
ajis02-751	377	24	usage	usage	NOUN
ajis02-751	377	25	patterns	pattern	NOUN
ajis02-751	377	26	of	of	ADP
ajis02-751	377	27	internet	internet	NOUN
ajis02-751	377	28	banking	banking	NOUN
ajis02-751	377	29	.	.	PUNCT
ajis02-751	378	1	future	future	ADJ
ajis02-751	378	2	research	research	NOUN
ajis02-751	378	3	should	should	AUX
ajis02-751	378	4	focus	focus	VERB
ajis02-751	378	5	on	on	ADP
ajis02-751	378	6	other	other	ADJ
ajis02-751	378	7	related	relate	VERB
ajis02-751	378	8	service	service	NOUN
ajis02-751	378	9	sectors	sector	NOUN
ajis02-751	378	10	such	such	ADJ
ajis02-751	378	11	as	as	ADP
ajis02-751	378	12	tourism	tourism	NOUN
ajis02-751	378	13	;	;	PUNCT
ajis02-751	378	14	call	call	NOUN
ajis02-751	378	15	centres	centre	NOUN
ajis02-751	378	16	and	and	CCONJ
ajis02-751	378	17	hospitality	hospitality	NOUN
ajis02-751	378	18	and	and	CCONJ
ajis02-751	378	19	consumers	consumer	NOUN
ajis02-751	378	20	’	’	PART
ajis02-751	378	21	perceptions	perception	NOUN
ajis02-751	378	22	related	relate	VERB
ajis02-751	378	23	to	to	ADP
ajis02-751	378	24	their	their	PRON
ajis02-751	378	25	continued	continue	VERB
ajis02-751	378	26	use	use	NOUN
ajis02-751	378	27	of	of	ADP
ajis02-751	378	28	the	the	DET
ajis02-751	378	29	relevant	relevant	ADJ
ajis02-751	378	30	service	service	NOUN
ajis02-751	378	31	provider	provider	NOUN
ajis02-751	378	32	’s	’s	PART
ajis02-751	378	33	service	service	NOUN
ajis02-751	378	34	.	.	PUNCT
ajis02-751	379	1	it	it	PRON
ajis02-751	379	2	is	be	AUX
ajis02-751	379	3	also	also	ADV
ajis02-751	379	4	imperative	imperative	ADJ
ajis02-751	379	5	to	to	PART
ajis02-751	379	6	study	study	VERB
ajis02-751	379	7	the	the	DET
ajis02-751	379	8	influence	influence	NOUN
ajis02-751	379	9	of	of	ADP
ajis02-751	379	10	potential	potential	ADJ
ajis02-751	379	11	factors	factor	NOUN
ajis02-751	379	12	on	on	ADP
ajis02-751	379	13	consumers	consumer	NOUN
ajis02-751	379	14	’	’	PART
ajis02-751	379	15	perceptions	perception	NOUN
ajis02-751	379	16	and	and	CCONJ
ajis02-751	379	17	usage	usage	NOUN
ajis02-751	379	18	of	of	ADP
ajis02-751	379	19	products	product	NOUN
ajis02-751	379	20	and	and	CCONJ
ajis02-751	379	21	services	service	NOUN
ajis02-751	379	22	of	of	ADP
ajis02-751	379	23	credit	credit	NOUN
ajis02-751	379	24	unions	union	NOUN
ajis02-751	379	25	,	,	PUNCT
ajis02-751	379	26	building	build	VERB
ajis02-751	379	27	societies	society	NOUN
ajis02-751	379	28	and	and	CCONJ
ajis02-751	379	29	non	non	ADJ
ajis02-751	379	30	-	-	ADJ
ajis02-751	379	31	banking	banking	ADJ
ajis02-751	379	32	financial	financial	ADJ
ajis02-751	379	33	institutions	institution	NOUN
ajis02-751	379	34	and	and	CCONJ
ajis02-751	379	35	compare	compare	VERB
ajis02-751	379	36	the	the	DET
ajis02-751	379	37	findings	finding	NOUN
ajis02-751	379	38	with	with	ADP
ajis02-751	379	39	those	those	PRON
ajis02-751	379	40	of	of	ADP
ajis02-751	379	41	the	the	DET
ajis02-751	379	42	retail	retail	ADJ
ajis02-751	379	43	banking	banking	NOUN
ajis02-751	379	44	industry	industry	NOUN
ajis02-751	379	45	to	to	PART
ajis02-751	379	46	see	see	VERB
ajis02-751	379	47	if	if	SCONJ
ajis02-751	379	48	this	this	PRON
ajis02-751	379	49	would	would	AUX
ajis02-751	379	50	result	result	VERB
ajis02-751	379	51	in	in	ADP
ajis02-751	379	52	any	any	DET
ajis02-751	379	53	similarities	similarity	NOUN
ajis02-751	379	54	and	and	CCONJ
ajis02-751	379	55	differences	difference	NOUN
ajis02-751	379	56	.	.	PUNCT
ajis02-751	380	1	future	future	ADJ
ajis02-751	380	2	research	research	NOUN
ajis02-751	380	3	could	could	AUX
ajis02-751	380	4	possibly	possibly	ADV
ajis02-751	380	5	encompass	encompass	VERB
ajis02-751	380	6	all	all	DET
ajis02-751	380	7	the	the	DET
ajis02-751	380	8	electronic	electronic	ADJ
ajis02-751	380	9	service	service	NOUN
ajis02-751	380	10	delivery	delivery	NOUN
ajis02-751	380	11	channels	channel	NOUN
ajis02-751	380	12	in	in	ADP
ajis02-751	380	13	order	order	NOUN
ajis02-751	380	14	to	to	PART
ajis02-751	380	15	determine	determine	VERB
ajis02-751	380	16	any	any	DET
ajis02-751	380	17	variation	variation	NOUN
ajis02-751	380	18	in	in	ADP
ajis02-751	380	19	consumers	consumer	NOUN
ajis02-751	380	20	’	’	PART
ajis02-751	380	21	usage	usage	NOUN
ajis02-751	380	22	patterns	pattern	NOUN
ajis02-751	380	23	.	.	PUNCT
ajis02-751	381	1	a	a	DET
ajis02-751	381	2	further	further	ADJ
ajis02-751	381	3	extension	extension	NOUN
ajis02-751	381	4	of	of	ADP
ajis02-751	381	5	the	the	DET
ajis02-751	381	6	present	present	ADJ
ajis02-751	381	7	research	research	NOUN
ajis02-751	381	8	to	to	ADP
ajis02-751	381	9	the	the	DET
ajis02-751	381	10	other	other	ADJ
ajis02-751	381	11	nations	nation	NOUN
ajis02-751	381	12	and	and	CCONJ
ajis02-751	381	13	subsequent	subsequent	ADJ
ajis02-751	381	14	comparative	comparative	ADJ
ajis02-751	381	15	analysis	analysis	NOUN
ajis02-751	381	16	would	would	AUX
ajis02-751	381	17	result	result	VERB
ajis02-751	381	18	in	in	ADP
ajis02-751	381	19	interesting	interesting	ADJ
ajis02-751	381	20	findings	finding	NOUN
ajis02-751	381	21	.	.	PUNCT
ajis02-751	382	1	references	reference	NOUN
ajis02-751	382	2	ajzen	ajzen	PROPN
ajis02-751	382	3	,	,	PUNCT
ajis02-751	382	4	i.	i.	PROPN
ajis02-751	382	5	&	&	CCONJ
ajis02-751	382	6	fishbein	fishbein	PROPN
ajis02-751	382	7	,	,	PUNCT
ajis02-751	382	8	m.	m.	NOUN
ajis02-751	382	9	1980	1980	NUM
ajis02-751	382	10	,	,	PUNCT
ajis02-751	382	11	understanding	understand	VERB
ajis02-751	382	12	attitudes	attitude	NOUN
ajis02-751	382	13	and	and	CCONJ
ajis02-751	382	14	predicting	predict	VERB
ajis02-751	382	15	social	social	ADJ
ajis02-751	382	16	behaviour	behaviour	NOUN
ajis02-751	382	17	.	.	PUNCT
ajis02-751	383	1	prenticehall	prenticehall	NOUN
ajis02-751	383	2	,	,	PUNCT
ajis02-751	383	3	upper	upper	ADJ
ajis02-751	383	4	saddle	saddle	NOUN
ajis02-751	383	5	river	river	NOUN
ajis02-751	383	6	,	,	PUNCT
ajis02-751	383	7	new	new	PROPN
ajis02-751	383	8	jersey	jersey	PROPN
ajis02-751	383	9	.	.	PUNCT
ajis02-751	384	1	akinci	akinci	PROPN
ajis02-751	384	2	,	,	PUNCT
ajis02-751	384	3	s.	s.	PROPN
ajis02-751	384	4	,	,	PUNCT
ajis02-751	384	5	akoy	akoy	PROPN
ajis02-751	384	6	,	,	PUNCT
ajis02-751	384	7	s.	s.	PROPN
ajis02-751	384	8	&	&	CCONJ
ajis02-751	384	9	atilgan	atilgan	PROPN
ajis02-751	384	10	,	,	PUNCT
ajis02-751	384	11	e.	e.	PROPN
ajis02-751	384	12	2004	2004	PROPN
ajis02-751	384	13	,	,	PUNCT
ajis02-751	384	14	adoption	adoption	NOUN
ajis02-751	384	15	of	of	ADP
ajis02-751	384	16	internet	internet	NOUN
ajis02-751	384	17	banking	banking	NOUN
ajis02-751	384	18	among	among	ADP
ajis02-751	384	19	sophisticated	sophisticated	ADJ
ajis02-751	384	20	consumer	consumer	NOUN
ajis02-751	384	21	segments	segment	NOUN
ajis02-751	384	22	in	in	ADP
ajis02-751	384	23	an	an	DET
ajis02-751	384	24	advanced	advanced	ADJ
ajis02-751	384	25	developing	develop	VERB
ajis02-751	384	26	country	country	NOUN
ajis02-751	384	27	.	.	PUNCT
ajis02-751	385	1	international	international	ADJ
ajis02-751	385	2	journal	journal	PROPN
ajis02-751	385	3	of	of	ADP
ajis02-751	385	4	bank	bank	PROPN
ajis02-751	385	5	marketing	marketing	NOUN
ajis02-751	385	6	,	,	PUNCT
ajis02-751	385	7	22	22	NUM
ajis02-751	385	8	(	(	PUNCT
ajis02-751	385	9	3	3	NUM
ajis02-751	385	10	)	)	PUNCT
ajis02-751	385	11	,	,	PUNCT
ajis02-751	385	12	212	212	NUM
ajis02-751	385	13	-	-	SYM
ajis02-751	385	14	232	232	NUM
ajis02-751	385	15	.	.	PUNCT
ajis02-751	386	1	bagozzi	bagozzi	PROPN
ajis02-751	386	2	,	,	PUNCT
ajis02-751	386	3	r.	r.	PROPN
ajis02-751	386	4	p.	p.	PROPN
ajis02-751	386	5	2007	2007	NUM
ajis02-751	386	6	,	,	PUNCT
ajis02-751	386	7	the	the	DET
ajis02-751	386	8	legacy	legacy	NOUN
ajis02-751	386	9	of	of	ADP
ajis02-751	386	10	the	the	DET
ajis02-751	386	11	technology	technology	NOUN
ajis02-751	386	12	acceptance	acceptance	NOUN
ajis02-751	386	13	model	model	NOUN
ajis02-751	386	14	and	and	CCONJ
ajis02-751	386	15	a	a	DET
ajis02-751	386	16	proposal	proposal	NOUN
ajis02-751	386	17	for	for	ADP
ajis02-751	386	18	a	a	DET
ajis02-751	386	19	paradigm	paradigm	NOUN
ajis02-751	386	20	shift	shift	NOUN
ajis02-751	386	21	.	.	PUNCT
ajis02-751	387	1	journal	journal	NOUN
ajis02-751	387	2	of	of	ADP
ajis02-751	387	3	the	the	DET
ajis02-751	387	4	association	association	NOUN
ajis02-751	387	5	for	for	ADP
ajis02-751	387	6	information	information	NOUN
ajis02-751	387	7	systems	system	NOUN
ajis02-751	387	8	,	,	PUNCT
ajis02-751	387	9	8	8	NUM
ajis02-751	387	10	94	94	NUM
ajis02-751	387	11	)	)	PUNCT
ajis02-751	387	12	,	,	PUNCT
ajis02-751	387	13	243	243	NUM
ajis02-751	387	14	-	-	SYM
ajis02-751	387	15	254	254	NUM
ajis02-751	387	16	.	.	PUNCT
ajis02-751	388	1	bell	bell	PROPN
ajis02-751	388	2	,	,	PUNCT
ajis02-751	388	3	g.	g.	PROPN
ajis02-751	388	4	&	&	CCONJ
ajis02-751	388	5	lyman	lyman	PROPN
ajis02-751	388	6	,	,	PUNCT
ajis02-751	388	7	m.	m.	NOUN
ajis02-751	388	8	m.	m.	PROPN
ajis02-751	388	9	1999	1999	NUM
ajis02-751	388	10	,	,	PUNCT
ajis02-751	388	11	buying	buy	VERB
ajis02-751	388	12	financial	financial	ADJ
ajis02-751	388	13	services	service	NOUN
ajis02-751	388	14	:	:	PUNCT
ajis02-751	388	15	a	a	DET
ajis02-751	388	16	model	model	NOUN
ajis02-751	388	17	including	include	VERB
ajis02-751	388	18	the	the	DET
ajis02-751	388	19	channel	channel	NOUN
ajis02-751	388	20	effect	effect	NOUN
ajis02-751	388	21	.	.	PUNCT
ajis02-751	389	1	academy	academy	NOUN
ajis02-751	389	2	of	of	ADP
ajis02-751	389	3	marketing	marketing	NOUN
ajis02-751	389	4	conference	conference	NOUN
ajis02-751	389	5	,	,	PUNCT
ajis02-751	389	6	stirling	stirling	PROPN
ajis02-751	389	7	.	.	PUNCT
ajis02-751	390	1	black	black	PROPN
ajis02-751	390	2	,	,	PUNCT
ajis02-751	390	3	n.	n.	PROPN
ajis02-751	390	4	j.	j.	PROPN
ajis02-751	390	5	,	,	PUNCT
ajis02-751	390	6	lockett	lockett	PROPN
ajis02-751	390	7	,	,	PUNCT
ajis02-751	390	8	a.	a.	PROPN
ajis02-751	390	9	,	,	PUNCT
ajis02-751	390	10	ennew	ennew	PROPN
ajis02-751	390	11	,	,	PUNCT
ajis02-751	390	12	c.	c.	NOUN
ajis02-751	390	13	,	,	PUNCT
ajis02-751	390	14	winklhofer	winklhofer	NOUN
ajis02-751	390	15	,	,	PUNCT
ajis02-751	390	16	h.	h.	PROPN
ajis02-751	390	17	&	&	CCONJ
ajis02-751	390	18	mckechnie	mckechnie	PROPN
ajis02-751	390	19	,	,	PUNCT
ajis02-751	390	20	s.	s.	PROPN
ajis02-751	390	21	2002	2002	NUM
ajis02-751	390	22	,	,	PUNCT
ajis02-751	390	23	modelling	model	VERB
ajis02-751	390	24	consumer	consumer	NOUN
ajis02-751	390	25	choice	choice	NOUN
ajis02-751	390	26	of	of	ADP
ajis02-751	390	27	distribution	distribution	NOUN
ajis02-751	390	28	channels	channel	NOUN
ajis02-751	390	29	:	:	PUNCT
ajis02-751	390	30	an	an	DET
ajis02-751	390	31	illustration	illustration	NOUN
ajis02-751	390	32	from	from	ADP
ajis02-751	390	33	financial	financial	ADJ
ajis02-751	390	34	services	service	NOUN
ajis02-751	390	35	.	.	PUNCT
ajis02-751	391	1	international	international	ADJ
ajis02-751	391	2	journal	journal	PROPN
ajis02-751	391	3	of	of	ADP
ajis02-751	391	4	bank	bank	PROPN
ajis02-751	391	5	marketing	marketing	NOUN
ajis02-751	391	6	,	,	PUNCT
ajis02-751	391	7	20	20	NUM
ajis02-751	391	8	(	(	PUNCT
ajis02-751	391	9	4	4	NUM
ajis02-751	391	10	)	)	PUNCT
ajis02-751	391	11	,	,	PUNCT
ajis02-751	391	12	161	161	NUM
ajis02-751	391	13	-	-	SYM
ajis02-751	391	14	173	173	NUM
ajis02-751	391	15	.	.	PUNCT
ajis02-751	392	1	black	black	ADJ
ajis02-751	392	2	,	,	PUNCT
ajis02-751	392	3	n.	n.	PROPN
ajis02-751	392	4	j.	j.	PROPN
ajis02-751	392	5	,	,	PUNCT
ajis02-751	392	6	lockett	lockett	PROPN
ajis02-751	392	7	,	,	PUNCT
ajis02-751	392	8	a.	a.	PROPN
ajis02-751	392	9	,	,	PUNCT
ajis02-751	392	10	winjklhofer	winjklhofer	NOUN
ajis02-751	392	11	,	,	PUNCT
ajis02-751	392	12	h.	h.	PROPN
ajis02-751	392	13	&	&	CCONJ
ajis02-751	392	14	ennew	ennew	PROPN
ajis02-751	392	15	,	,	PUNCT
ajis02-751	392	16	c.	c.	PROPN
ajis02-751	392	17	2001	2001	NUM
ajis02-751	392	18	,	,	PUNCT
ajis02-751	392	19	the	the	DET
ajis02-751	392	20	adoption	adoption	NOUN
ajis02-751	392	21	of	of	ADP
ajis02-751	392	22	internet	internet	NOUN
ajis02-751	392	23	financial	financial	ADJ
ajis02-751	392	24	services	service	NOUN
ajis02-751	392	25	:	:	PUNCT
ajis02-751	392	26	a	a	DET
ajis02-751	392	27	qualitative	qualitative	ADJ
ajis02-751	392	28	research	research	NOUN
ajis02-751	392	29	.	.	PUNCT
ajis02-751	393	1	international	international	ADJ
ajis02-751	393	2	journal	journal	NOUN
ajis02-751	393	3	of	of	ADP
ajis02-751	393	4	retail	retail	ADJ
ajis02-751	393	5	and	and	CCONJ
ajis02-751	393	6	distribution	distribution	NOUN
ajis02-751	393	7	management	management	NOUN
ajis02-751	393	8	,	,	PUNCT
ajis02-751	393	9	29	29	NUM
ajis02-751	393	10	(	(	PUNCT
ajis02-751	393	11	8)	8)	NUM
ajis02-751	393	12	,	,	PUNCT
ajis02-751	393	13	390	390	NUM
ajis02-751	393	14	-	-	SYM
ajis02-751	393	15	398	398	NUM
ajis02-751	393	16	.	.	PUNCT
ajis02-751	394	1	bolton	bolton	PROPN
ajis02-751	394	2	,	,	PUNCT
ajis02-751	394	3	r.	r.	PROPN
ajis02-751	394	4	n.	n.	PROPN
ajis02-751	394	5	&	&	CCONJ
ajis02-751	394	6	lemon	lemon	PROPN
ajis02-751	394	7	,	,	PUNCT
ajis02-751	394	8	k.	k.	PROPN
ajis02-751	394	9	n.	n.	PROPN
ajis02-751	394	10	1999	1999	NUM
ajis02-751	394	11	,	,	PUNCT
ajis02-751	394	12	a	a	DET
ajis02-751	394	13	dynamic	dynamic	ADJ
ajis02-751	394	14	model	model	NOUN
ajis02-751	394	15	of	of	ADP
ajis02-751	394	16	customers	customer	NOUN
ajis02-751	394	17	’	'	PUNCT
ajis02-751	394	18	usage	usage	NOUN
ajis02-751	394	19	of	of	ADP
ajis02-751	394	20	services	service	NOUN
ajis02-751	394	21	:	:	PUNCT
ajis02-751	394	22	usage	usage	NOUN
ajis02-751	394	23	as	as	ADP
ajis02-751	394	24	an	an	DET
ajis02-751	394	25	antecedent	antecedent	NOUN
ajis02-751	394	26	and	and	CCONJ
ajis02-751	394	27	consequence	consequence	NOUN
ajis02-751	394	28	of	of	ADP
ajis02-751	394	29	satisfaction	satisfaction	NOUN
ajis02-751	394	30	.	.	PUNCT
ajis02-751	395	1	journal	journal	NOUN
ajis02-751	395	2	of	of	ADP
ajis02-751	395	3	marketing	marketing	NOUN
ajis02-751	395	4	research	research	NOUN
ajis02-751	395	5	,	,	PUNCT
ajis02-751	395	6	36	36	NUM
ajis02-751	395	7	,	,	PUNCT
ajis02-751	395	8	171	171	NUM
ajis02-751	395	9	-	-	SYM
ajis02-751	395	10	186	186	NUM
ajis02-751	395	11	.	.	PUNCT
ajis02-751	396	1	chan	chan	PROPN
ajis02-751	396	2	,	,	PUNCT
ajis02-751	396	3	s.	s.	PROPN
ajis02-751	396	4	&	&	CCONJ
ajis02-751	396	5	lu	lu	PROPN
ajis02-751	396	6	,	,	PUNCT
ajis02-751	396	7	m.	m.	NOUN
ajis02-751	396	8	2004	2004	NUM
ajis02-751	396	9	,	,	PUNCT
ajis02-751	396	10	understanding	understand	VERB
ajis02-751	396	11	internet	internet	NOUN
ajis02-751	396	12	banking	banking	NOUN
ajis02-751	396	13	adoption	adoption	NOUN
ajis02-751	396	14	and	and	CCONJ
ajis02-751	396	15	use	use	VERB
ajis02-751	396	16	behaviour	behaviour	NOUN
ajis02-751	396	17	:	:	PUNCT
ajis02-751	396	18	a	a	DET
ajis02-751	396	19	hong	hong	PROPN
ajis02-751	396	20	kong	kong	PROPN
ajis02-751	396	21	perspective	perspective	PROPN
ajis02-751	396	22	.	.	PUNCT
ajis02-751	397	1	journal	journal	PROPN
ajis02-751	397	2	of	of	ADP
ajis02-751	397	3	global	global	ADJ
ajis02-751	397	4	information	information	NOUN
ajis02-751	397	5	management	management	NOUN
ajis02-751	397	6	,	,	PUNCT
ajis02-751	397	7	12	12	NUM
ajis02-751	397	8	(	(	PUNCT
ajis02-751	397	9	3	3	NUM
ajis02-751	397	10	)	)	PUNCT
ajis02-751	397	11	,	,	PUNCT
ajis02-751	397	12	21	21	NUM
ajis02-751	397	13	-	-	SYM
ajis02-751	397	14	43	43	NUM
ajis02-751	397	15	.	.	PUNCT
ajis02-751	398	1	chen	chen	PROPN
ajis02-751	398	2	,	,	PUNCT
ajis02-751	398	3	t.	t.	PROPN
ajis02-751	398	4	y.	y.	PROPN
ajis02-751	398	5	,	,	PUNCT
ajis02-751	398	6	chang	chang	PROPN
ajis02-751	398	7	,	,	PUNCT
ajis02-751	398	8	p.l	p.l	PROPN
ajis02-751	398	9	.	.	PROPN
ajis02-751	398	10	&	&	CCONJ
ajis02-751	398	11	chang	chang	PROPN
ajis02-751	398	12	,	,	PUNCT
ajis02-751	398	13	h.	h.	PROPN
ajis02-751	398	14	s.	s.	PROPN
ajis02-751	398	15	2005	2005	NUM
ajis02-751	398	16	,	,	PUNCT
ajis02-751	398	17	price	price	NOUN
ajis02-751	398	18	,	,	PUNCT
ajis02-751	398	19	brand	brand	NOUN
ajis02-751	398	20	cues	cue	NOUN
ajis02-751	398	21	,	,	PUNCT
ajis02-751	398	22	and	and	CCONJ
ajis02-751	398	23	banking	banking	NOUN
ajis02-751	398	24	customer	customer	NOUN
ajis02-751	398	25	value	value	NOUN
ajis02-751	398	26	.	.	PUNCT
ajis02-751	399	1	international	international	ADJ
ajis02-751	399	2	journal	journal	PROPN
ajis02-751	399	3	of	of	ADP
ajis02-751	399	4	bank	bank	PROPN
ajis02-751	399	5	marketing	marketing	NOUN
ajis02-751	399	6	,	,	PUNCT
ajis02-751	399	7	23	23	NUM
ajis02-751	399	8	(	(	PUNCT
ajis02-751	399	9	3	3	NUM
ajis02-751	399	10	)	)	PUNCT
ajis02-751	399	11	,	,	PUNCT
ajis02-751	399	12	273	273	NUM
ajis02-751	399	13	-	-	SYM
ajis02-751	399	14	291	291	NUM
ajis02-751	399	15	.	.	PUNCT
ajis02-751	400	1	cleveland	cleveland	PROPN
ajis02-751	400	2	,	,	PUNCT
ajis02-751	400	3	w.	w.	PROPN
ajis02-751	400	4	s.	s.	PROPN
ajis02-751	400	5	1984	1984	NUM
ajis02-751	400	6	,	,	PUNCT
ajis02-751	400	7	graphical	graphical	ADJ
ajis02-751	400	8	methods	method	NOUN
ajis02-751	400	9	for	for	ADP
ajis02-751	400	10	data	data	NOUN
ajis02-751	400	11	presentation	presentation	NOUN
ajis02-751	400	12	:	:	PUNCT
ajis02-751	400	13	full	full	ADJ
ajis02-751	400	14	scale	scale	NOUN
ajis02-751	400	15	breaks	break	NOUN
ajis02-751	400	16	,	,	PUNCT
ajis02-751	400	17	dot	dot	NOUN
ajis02-751	400	18	charts	chart	NOUN
ajis02-751	400	19	,	,	PUNCT
ajis02-751	400	20	and	and	CCONJ
ajis02-751	400	21	multibased	multibase	VERB
ajis02-751	400	22	logging	logging	NOUN
ajis02-751	400	23	.	.	PUNCT
ajis02-751	401	1	the	the	DET
ajis02-751	401	2	american	american	PROPN
ajis02-751	401	3	statistician	statistician	PROPN
ajis02-751	401	4	,	,	PUNCT
ajis02-751	401	5	38(4	38(4	NUM
ajis02-751	401	6	)	)	PUNCT
ajis02-751	401	7	,	,	PUNCT
ajis02-751	401	8	270	270	NUM
ajis02-751	401	9	-	-	SYM
ajis02-751	401	10	280	280	NUM
ajis02-751	401	11	.	.	PUNCT
ajis02-751	402	1	australasian	australasian	ADJ
ajis02-751	402	2	journal	journal	NOUN
ajis02-751	402	3	of	of	ADP
ajis02-751	402	4	information	information	NOUN
ajis02-751	402	5	systems	system	NOUN
ajis02-751	402	6	volume	volume	NOUN
ajis02-751	402	7	18	18	NUM
ajis02-751	402	8	number1	number1	NOUN
ajis02-751	402	9	2013	2013	NUM
ajis02-751	402	10	27	27	NUM
ajis02-751	402	11	cohen	cohen	NOUN
ajis02-751	402	12	,	,	PUNCT
ajis02-751	402	13	j.	j.	PROPN
ajis02-751	402	14	,	,	PUNCT
ajis02-751	402	15	cohen	cohen	PROPN
ajis02-751	402	16	,	,	PUNCT
ajis02-751	402	17	p.	p.	PROPN
ajis02-751	402	18	,	,	PUNCT
ajis02-751	402	19	west	west	PROPN
ajis02-751	402	20	,	,	PUNCT
ajis02-751	402	21	s.	s.	PROPN
ajis02-751	402	22	&	&	CCONJ
ajis02-751	402	23	aiken	aiken	PROPN
ajis02-751	402	24	,	,	PUNCT
ajis02-751	402	25	l.	l.	PROPN
ajis02-751	402	26	2003	2003	NUM
ajis02-751	402	27	,	,	PUNCT
ajis02-751	402	28	applied	apply	VERB
ajis02-751	402	29	multiple	multiple	ADJ
ajis02-751	402	30	regression/	regression/	NUM
ajis02-751	402	31	correlation	correlation	NOUN
ajis02-751	402	32	analysis	analysis	NOUN
ajis02-751	402	33	for	for	ADP
ajis02-751	402	34	the	the	DET
ajis02-751	402	35	behavioural	behavioural	ADJ
ajis02-751	402	36	sciences	science	NOUN
ajis02-751	402	37	(	(	PUNCT
ajis02-751	402	38	3	3	NUM
ajis02-751	402	39	rd	rd	NOUN
ajis02-751	402	40	ed	ed	NOUN
ajis02-751	402	41	.	.	PUNCT
ajis02-751	402	42	)	)	PUNCT
ajis02-751	402	43	.	.	PUNCT
ajis02-751	403	1	lawrence	lawrence	PROPN
ajis02-751	403	2	erlbaum	erlbaum	PROPN
ajis02-751	403	3	associates	associates	PROPN
ajis02-751	403	4	,	,	PUNCT
ajis02-751	403	5	mawah	mawah	NOUN
ajis02-751	403	6	,	,	PUNCT
ajis02-751	403	7	new	new	PROPN
ajis02-751	403	8	jersey	jersey	PROPN
ajis02-751	403	9	.	.	PUNCT
ajis02-751	404	1	cooksey	cooksey	NOUN
ajis02-751	404	2	,	,	PUNCT
ajis02-751	404	3	r.	r.	PROPN
ajis02-751	404	4	w.	w.	PROPN
ajis02-751	404	5	1997	1997	NUM
ajis02-751	404	6	,	,	PUNCT
ajis02-751	404	7	statistics	statistic	NOUN
ajis02-751	404	8	for	for	ADP
ajis02-751	404	9	behavioural	behavioural	ADJ
ajis02-751	404	10	and	and	CCONJ
ajis02-751	404	11	social	social	ADJ
ajis02-751	404	12	research	research	NOUN
ajis02-751	404	13	:	:	PUNCT
ajis02-751	404	14	a	a	DET
ajis02-751	404	15	descriptive	descriptive	ADJ
ajis02-751	404	16	handbook	handbook	NOUN
ajis02-751	404	17	.	.	PUNCT
ajis02-751	405	1	university	university	NOUN
ajis02-751	405	2	of	of	ADP
ajis02-751	405	3	new	new	PROPN
ajis02-751	405	4	england	england	PROPN
ajis02-751	405	5	,	,	PUNCT
ajis02-751	405	6	armidale	armidale	PROPN
ajis02-751	405	7	,	,	PUNCT
ajis02-751	405	8	australia	australia	PROPN
ajis02-751	405	9	.	.	PUNCT
ajis02-751	406	1	cooksey	cooksey	PROPN
ajis02-751	406	2	,	,	PUNCT
ajis02-751	406	3	r.	r.	PROPN
ajis02-751	406	4	w.	w.	PROPN
ajis02-751	406	5	2007	2007	NUM
ajis02-751	406	6	,	,	PUNCT
ajis02-751	406	7	illustrating	illustrate	VERB
ajis02-751	406	8	statistical	statistical	ADJ
ajis02-751	406	9	procedures	procedure	NOUN
ajis02-751	406	10	:	:	PUNCT
ajis02-751	406	11	for	for	ADP
ajis02-751	406	12	business	business	NOUN
ajis02-751	406	13	,	,	PUNCT
ajis02-751	406	14	behavioural	behavioural	ADJ
ajis02-751	406	15	&	&	CCONJ
ajis02-751	406	16	social	social	ADJ
ajis02-751	406	17	science	science	NOUN
ajis02-751	406	18	research	research	NOUN
ajis02-751	406	19	(	(	PUNCT
ajis02-751	406	20	1	1	NUM
ajis02-751	406	21	st	st	PROPN
ajis02-751	406	22	ed	ed	NOUN
ajis02-751	406	23	.	.	PUNCT
ajis02-751	406	24	)	)	PUNCT
ajis02-751	406	25	.	.	PUNCT
ajis02-751	407	1	tilde	tilde	PROPN
ajis02-751	407	2	university	university	NOUN
ajis02-751	407	3	press	press	NOUN
ajis02-751	407	4	,	,	PUNCT
ajis02-751	407	5	australia	australia	PROPN
ajis02-751	407	6	.	.	PUNCT
ajis02-751	408	1	curran	curran	PROPN
ajis02-751	408	2	,	,	PUNCT
ajis02-751	408	3	j.	j.	PROPN
ajis02-751	408	4	m.	m.	PROPN
ajis02-751	408	5	,	,	PUNCT
ajis02-751	408	6	meuter	meuter	PROPN
ajis02-751	408	7	,	,	PUNCT
ajis02-751	408	8	l.	l.	PROPN
ajis02-751	408	9	m.	m.	PROPN
ajis02-751	408	10	&	&	CCONJ
ajis02-751	408	11	suprenant	suprenant	PROPN
ajis02-751	408	12	,	,	PUNCT
ajis02-751	408	13	c.	c.	PROPN
ajis02-751	408	14	f.	f.	PROPN
ajis02-751	408	15	2003	2003	NUM
ajis02-751	408	16	,	,	PUNCT
ajis02-751	408	17	intentions	intention	NOUN
ajis02-751	408	18	to	to	PART
ajis02-751	408	19	use	use	VERB
ajis02-751	408	20	self	self	NOUN
ajis02-751	408	21	service	service	NOUN
ajis02-751	408	22	technologies	technology	NOUN
ajis02-751	408	23	:	:	PUNCT
ajis02-751	408	24	a	a	DET
ajis02-751	408	25	confluence	confluence	NOUN
ajis02-751	408	26	of	of	ADP
ajis02-751	408	27	multiple	multiple	ADJ
ajis02-751	408	28	attitudes	attitude	NOUN
ajis02-751	408	29	.	.	PUNCT
ajis02-751	409	1	journal	journal	NOUN
ajis02-751	409	2	of	of	ADP
ajis02-751	409	3	service	service	NOUN
ajis02-751	409	4	research	research	NOUN
ajis02-751	409	5	,	,	PUNCT
ajis02-751	409	6	5	5	NUM
ajis02-751	409	7	(	(	PUNCT
ajis02-751	409	8	3	3	NUM
ajis02-751	409	9	)	)	PUNCT
ajis02-751	409	10	,	,	PUNCT
ajis02-751	409	11	209	209	NUM
ajis02-751	409	12	-	-	SYM
ajis02-751	409	13	224	224	NUM
ajis02-751	409	14	.	.	PUNCT
ajis02-751	410	1	daniel	daniel	PROPN
ajis02-751	410	2	,	,	PUNCT
ajis02-751	410	3	e.	e.	PROPN
ajis02-751	410	4	1999	1999	NUM
ajis02-751	410	5	,	,	PUNCT
ajis02-751	410	6	provision	provision	NOUN
ajis02-751	410	7	of	of	ADP
ajis02-751	410	8	electronic	electronic	ADJ
ajis02-751	410	9	banking	banking	NOUN
ajis02-751	410	10	in	in	ADP
ajis02-751	410	11	the	the	DET
ajis02-751	410	12	uk	uk	PROPN
ajis02-751	410	13	and	and	CCONJ
ajis02-751	410	14	the	the	DET
ajis02-751	410	15	republic	republic	NOUN
ajis02-751	410	16	of	of	ADP
ajis02-751	410	17	ireland	ireland	PROPN
ajis02-751	410	18	.	.	PUNCT
ajis02-751	411	1	international	international	ADJ
ajis02-751	411	2	journal	journal	PROPN
ajis02-751	411	3	of	of	ADP
ajis02-751	411	4	bank	bank	PROPN
ajis02-751	411	5	marketing	marketing	NOUN
ajis02-751	411	6	,	,	PUNCT
ajis02-751	411	7	17	17	NUM
ajis02-751	411	8	(	(	PUNCT
ajis02-751	411	9	2	2	NUM
ajis02-751	411	10	)	)	PUNCT
ajis02-751	411	11	,	,	PUNCT
ajis02-751	411	12	72	72	NUM
ajis02-751	411	13	-	-	SYM
ajis02-751	411	14	82	82	NUM
ajis02-751	411	15	.	.	PUNCT
ajis02-751	412	1	desouza	desouza	PROPN
ajis02-751	412	2	,	,	PUNCT
ajis02-751	412	3	k.	k.	PROPN
ajis02-751	412	4	c.	c.	PROPN
ajis02-751	412	5	,	,	PUNCT
ajis02-751	412	6	awazu	awazu	NOUN
ajis02-751	412	7	,	,	PUNCT
ajis02-751	412	8	y.	y.	PROPN
ajis02-751	412	9	&	&	CCONJ
ajis02-751	412	10	ramaprasad	ramaprasad	PROPN
ajis02-751	412	11	,	,	PUNCT
ajis02-751	412	12	a.	a.	NOUN
ajis02-751	412	13	2007	2007	NUM
ajis02-751	412	14	,	,	PUNCT
ajis02-751	412	15	modifications	modification	NOUN
ajis02-751	412	16	and	and	CCONJ
ajis02-751	412	17	innovations	innovation	NOUN
ajis02-751	412	18	to	to	PART
ajis02-751	412	19	technology	technology	NOUN
ajis02-751	412	20	artefacts	artefact	NOUN
ajis02-751	412	21	.	.	PUNCT
ajis02-751	413	1	technovation	technovation	NOUN
ajis02-751	413	2	,	,	PUNCT
ajis02-751	413	3	27	27	NUM
ajis02-751	413	4	,	,	PUNCT
ajis02-751	413	5	204	204	NUM
ajis02-751	413	6	-	-	SYM
ajis02-751	413	7	220	220	NUM
ajis02-751	413	8	.	.	PUNCT
ajis02-751	413	9	durkin	durkin	PROPN
ajis02-751	413	10	,	,	PUNCT
ajis02-751	413	11	m.	m.	NOUN
ajis02-751	413	12	2004	2004	NUM
ajis02-751	413	13	,	,	PUNCT
ajis02-751	413	14	in	in	ADP
ajis02-751	413	15	search	search	NOUN
ajis02-751	413	16	of	of	ADP
ajis02-751	413	17	the	the	DET
ajis02-751	413	18	internet	internet	NOUN
ajis02-751	413	19	banking	banking	NOUN
ajis02-751	413	20	customer	customer	NOUN
ajis02-751	413	21	,	,	PUNCT
ajis02-751	413	22	exploring	explore	VERB
ajis02-751	413	23	the	the	DET
ajis02-751	413	24	use	use	NOUN
ajis02-751	413	25	of	of	ADP
ajis02-751	413	26	decision	decision	NOUN
ajis02-751	413	27	styles	style	NOUN
ajis02-751	413	28	.	.	PUNCT
ajis02-751	414	1	international	international	ADJ
ajis02-751	414	2	journal	journal	PROPN
ajis02-751	414	3	of	of	ADP
ajis02-751	414	4	bank	bank	PROPN
ajis02-751	414	5	marketing	marketing	NOUN
ajis02-751	414	6	,	,	PUNCT
ajis02-751	414	7	22(7	22(7	NUM
ajis02-751	414	8	)	)	PUNCT
ajis02-751	414	9	,	,	PUNCT
ajis02-751	414	10	484	484	NUM
ajis02-751	414	11	-	-	SYM
ajis02-751	414	12	523	523	NUM
ajis02-751	414	13	.	.	PUNCT
ajis02-751	415	1	durkin	durkin	PROPN
ajis02-751	415	2	,	,	PUNCT
ajis02-751	415	3	m.	m.	NOUN
ajis02-751	415	4	,	,	PUNCT
ajis02-751	415	5	jennings	jennings	PROPN
ajis02-751	415	6	,	,	PUNCT
ajis02-751	415	7	d.	d.	PROPN
ajis02-751	415	8	,	,	PUNCT
ajis02-751	415	9	mulholland	mulholland	PROPN
ajis02-751	415	10	,	,	PUNCT
ajis02-751	415	11	g.	g.	PROPN
ajis02-751	415	12	&	&	CCONJ
ajis02-751	415	13	worthington	worthington	PROPN
ajis02-751	415	14	,	,	PUNCT
ajis02-751	415	15	s.	s.	PROPN
ajis02-751	415	16	2008	2008	NUM
ajis02-751	415	17	,	,	PUNCT
ajis02-751	415	18	key	key	ADJ
ajis02-751	415	19	influencers	influencer	NOUN
ajis02-751	415	20	and	and	CCONJ
ajis02-751	415	21	inhibitors	inhibitor	NOUN
ajis02-751	415	22	on	on	ADP
ajis02-751	415	23	adoption	adoption	NOUN
ajis02-751	415	24	of	of	ADP
ajis02-751	415	25	the	the	DET
ajis02-751	415	26	internet	internet	NOUN
ajis02-751	415	27	for	for	ADP
ajis02-751	415	28	banking	banking	NOUN
ajis02-751	415	29	.	.	PUNCT
ajis02-751	416	1	journal	journal	PROPN
ajis02-751	416	2	of	of	ADP
ajis02-751	416	3	retailing	retailing	NOUN
ajis02-751	416	4	and	and	CCONJ
ajis02-751	416	5	consumer	consumer	NOUN
ajis02-751	416	6	services	service	NOUN
ajis02-751	416	7	,	,	PUNCT
ajis02-751	416	8	15	15	NUM
ajis02-751	416	9	,	,	PUNCT
ajis02-751	416	10	348	348	NUM
ajis02-751	416	11	-	-	SYM
ajis02-751	416	12	357	357	NUM
ajis02-751	416	13	.	.	PUNCT
ajis02-751	417	1	eriksson	eriksson	PROPN
ajis02-751	417	2	,	,	PUNCT
ajis02-751	417	3	k.	k.	PROPN
ajis02-751	417	4	&	&	CCONJ
ajis02-751	417	5	nilsson	nilsson	PROPN
ajis02-751	417	6	,	,	PUNCT
ajis02-751	417	7	d.	d.	PROPN
ajis02-751	417	8	2007	2007	NUM
ajis02-751	417	9	,	,	PUNCT
ajis02-751	417	10	determinants	determinant	NOUN
ajis02-751	417	11	of	of	ADP
ajis02-751	417	12	the	the	DET
ajis02-751	417	13	continued	continue	VERB
ajis02-751	417	14	use	use	NOUN
ajis02-751	417	15	of	of	ADP
ajis02-751	417	16	self	self	NOUN
ajis02-751	417	17	-	-	PUNCT
ajis02-751	417	18	service	service	NOUN
ajis02-751	417	19	technology	technology	NOUN
ajis02-751	417	20	:	:	PUNCT
ajis02-751	417	21	the	the	DET
ajis02-751	417	22	case	case	NOUN
ajis02-751	417	23	of	of	ADP
ajis02-751	417	24	internet	internet	NOUN
ajis02-751	417	25	banking	banking	NOUN
ajis02-751	417	26	.	.	PUNCT
ajis02-751	418	1	technovation	technovation	NOUN
ajis02-751	418	2	,	,	PUNCT
ajis02-751	418	3	27	27	NUM
ajis02-751	418	4	(	(	PUNCT
ajis02-751	418	5	4	4	NUM
ajis02-751	418	6	)	)	PUNCT
ajis02-751	418	7	,	,	PUNCT
ajis02-751	418	8	159	159	NUM
ajis02-751	418	9	-	-	SYM
ajis02-751	418	10	167	167	NUM
ajis02-751	418	11	.	.	PUNCT
ajis02-751	419	1	falk	falk	NOUN
ajis02-751	419	2	,	,	PUNCT
ajis02-751	419	3	t.	t.	PROPN
ajis02-751	419	4	,	,	PUNCT
ajis02-751	419	5	schepers	scheper	NOUN
ajis02-751	419	6	,	,	PUNCT
ajis02-751	419	7	j.	j.	PROPN
ajis02-751	419	8	,	,	PUNCT
ajis02-751	419	9	hammerschmidt	hammerschmidt	ADJ
ajis02-751	419	10	,	,	PUNCT
ajis02-751	419	11	m.	m.	NOUN
ajis02-751	419	12	&	&	CCONJ
ajis02-751	419	13	grossenbacher	grossenbacher	PROPN
ajis02-751	419	14	,	,	PUNCT
ajis02-751	419	15	s.	s.	PROPN
ajis02-751	419	16	2005	2005	NUM
ajis02-751	419	17	,	,	PUNCT
ajis02-751	419	18	should	should	AUX
ajis02-751	419	19	i	i	PRON
ajis02-751	419	20	stay	stay	VERB
ajis02-751	419	21	or	or	CCONJ
ajis02-751	419	22	should	should	AUX
ajis02-751	419	23	i	i	PRON
ajis02-751	419	24	go	go	VERB
ajis02-751	419	25	the	the	DET
ajis02-751	419	26	role	role	NOUN
ajis02-751	419	27	of	of	ADP
ajis02-751	419	28	status	status	NOUN
ajis02-751	419	29	quo	quo	NOUN
ajis02-751	419	30	for	for	ADP
ajis02-751	419	31	using	use	VERB
ajis02-751	419	32	new	new	ADJ
ajis02-751	419	33	self	self	NOUN
ajis02-751	419	34	-	-	PUNCT
ajis02-751	419	35	service	service	NOUN
ajis02-751	419	36	technology	technology	NOUN
ajis02-751	419	37	.	.	PUNCT
ajis02-751	420	1	retrieved	retrieve	VERB
ajis02-751	420	2	18	18	NUM
ajis02-751	420	3	th	th	NOUN
ajis02-751	420	4	may	may	AUX
ajis02-751	420	5	,	,	PUNCT
ajis02-751	420	6	2008	2008	NUM
ajis02-751	420	7	,	,	PUNCT
ajis02-751	420	8	from	from	ADP
ajis02-751	420	9	www.ssrn.com/abstract=962242	www.ssrn.com/abstract=962242	NOUN
ajis02-751	420	10	gefen	gefen	NOUN
ajis02-751	420	11	,	,	PUNCT
ajis02-751	420	12	d.	d.	PROPN
ajis02-751	420	13	,	,	PUNCT
ajis02-751	420	14	karahanna	karahanna	PROPN
ajis02-751	420	15	,	,	PUNCT
ajis02-751	420	16	e.	e.	PROPN
ajis02-751	420	17	&	&	CCONJ
ajis02-751	420	18	straub	straub	PROPN
ajis02-751	420	19	,	,	PUNCT
ajis02-751	420	20	d.	d.	PROPN
ajis02-751	420	21	w.	w.	PROPN
ajis02-751	420	22	2003	2003	NUM
ajis02-751	420	23	,	,	PUNCT
ajis02-751	420	24	trust	trust	NOUN
ajis02-751	420	25	and	and	CCONJ
ajis02-751	420	26	tam	tam	X
ajis02-751	420	27	in	in	ADP
ajis02-751	420	28	online	online	ADJ
ajis02-751	420	29	shopping	shopping	NOUN
ajis02-751	420	30	:	:	PUNCT
ajis02-751	420	31	an	an	DET
ajis02-751	420	32	integrated	integrated	ADJ
ajis02-751	420	33	model	model	NOUN
ajis02-751	420	34	.	.	PUNCT
ajis02-751	421	1	mis	mis	PROPN
ajis02-751	421	2	quarterly	quarterly	PROPN
ajis02-751	421	3	,	,	PUNCT
ajis02-751	421	4	27	27	NUM
ajis02-751	421	5	(	(	PUNCT
ajis02-751	421	6	1	1	NUM
ajis02-751	421	7	)	)	PUNCT
ajis02-751	421	8	,	,	PUNCT
ajis02-751	421	9	51	51	NUM
ajis02-751	421	10	-	-	SYM
ajis02-751	421	11	90	90	NUM
ajis02-751	421	12	.	.	PUNCT
ajis02-751	421	13	gerrard	gerrard	PROPN
ajis02-751	421	14	,	,	PUNCT
ajis02-751	421	15	p.	p.	PROPN
ajis02-751	421	16	&	&	CCONJ
ajis02-751	421	17	cunningham	cunningham	PROPN
ajis02-751	421	18	,	,	PUNCT
ajis02-751	421	19	j.	j.	PROPN
ajis02-751	421	20	b.	b.	PROPN
ajis02-751	421	21	2003	2003	NUM
ajis02-751	421	22	,	,	PUNCT
ajis02-751	421	23	the	the	DET
ajis02-751	421	24	diffusion	diffusion	NOUN
ajis02-751	421	25	of	of	ADP
ajis02-751	421	26	internet	internet	NOUN
ajis02-751	421	27	banking	banking	NOUN
ajis02-751	421	28	among	among	ADP
ajis02-751	421	29	singapore	singapore	PROPN
ajis02-751	421	30	consumers	consumer	NOUN
ajis02-751	421	31	.	.	PUNCT
ajis02-751	422	1	international	international	ADJ
ajis02-751	422	2	journal	journal	PROPN
ajis02-751	422	3	of	of	ADP
ajis02-751	422	4	bank	bank	PROPN
ajis02-751	422	5	marketing	marketing	NOUN
ajis02-751	422	6	,	,	PUNCT
ajis02-751	422	7	21	21	NUM
ajis02-751	422	8	(	(	PUNCT
ajis02-751	422	9	1	1	NUM
ajis02-751	422	10	)	)	PUNCT
ajis02-751	422	11	,	,	PUNCT
ajis02-751	422	12	16	16	NUM
ajis02-751	422	13	-	-	SYM
ajis02-751	422	14	28	28	NUM
ajis02-751	422	15	.	.	PUNCT
ajis02-751	423	1	graham	graham	PROPN
ajis02-751	423	2	,	,	PUNCT
ajis02-751	423	3	j.	j.	PROPN
ajis02-751	423	4	m.	m.	PROPN
ajis02-751	423	5	2006	2006	NUM
ajis02-751	423	6	,	,	PUNCT
ajis02-751	423	7	congeneric	congeneric	ADJ
ajis02-751	423	8	and	and	CCONJ
ajis02-751	423	9	(	(	PUNCT
ajis02-751	423	10	essentially	essentially	ADV
ajis02-751	423	11	)	)	PUNCT
ajis02-751	423	12	equivalent	equivalent	ADJ
ajis02-751	423	13	estimates	estimate	NOUN
ajis02-751	423	14	of	of	ADP
ajis02-751	423	15	score	score	NOUN
ajis02-751	423	16	reliability	reliability	NOUN
ajis02-751	423	17	:	:	PUNCT
ajis02-751	423	18	what	what	PRON
ajis02-751	423	19	they	they	PRON
ajis02-751	423	20	are	be	AUX
ajis02-751	423	21	and	and	CCONJ
ajis02-751	423	22	how	how	SCONJ
ajis02-751	423	23	to	to	PART
ajis02-751	423	24	use	use	VERB
ajis02-751	423	25	them	they	PRON
ajis02-751	423	26	?	?	PUNCT
ajis02-751	424	1	educational	educational	ADJ
ajis02-751	424	2	and	and	CCONJ
ajis02-751	424	3	psychological	psychological	ADJ
ajis02-751	424	4	measurement	measurement	NOUN
ajis02-751	424	5	,	,	PUNCT
ajis02-751	424	6	66	66	NUM
ajis02-751	424	7	,	,	PUNCT
ajis02-751	424	8	930	930	NUM
ajis02-751	424	9	-	-	SYM
ajis02-751	424	10	944	944	NUM
ajis02-751	424	11	.	.	PUNCT
ajis02-751	425	1	hair	hair	NOUN
ajis02-751	425	2	,	,	PUNCT
ajis02-751	425	3	j.	j.	PROPN
ajis02-751	425	4	f.	f.	PROPN
ajis02-751	425	5	,	,	PUNCT
ajis02-751	425	6	black	black	PROPN
ajis02-751	425	7	,	,	PUNCT
ajis02-751	425	8	b.	b.	PROPN
ajis02-751	425	9	,	,	PUNCT
ajis02-751	425	10	babin	babin	PROPN
ajis02-751	425	11	,	,	PUNCT
ajis02-751	425	12	b.	b.	PROPN
ajis02-751	425	13	,	,	PUNCT
ajis02-751	425	14	anderson	anderson	PROPN
ajis02-751	425	15	,	,	PUNCT
ajis02-751	425	16	r.	r.	PROPN
ajis02-751	425	17	e.	e.	PROPN
ajis02-751	425	18	&	&	CCONJ
ajis02-751	425	19	tatham	tatham	PROPN
ajis02-751	425	20	,	,	PUNCT
ajis02-751	425	21	r.	r.	PROPN
ajis02-751	425	22	l.	l.	PROPN
ajis02-751	425	23	2006	2006	NUM
ajis02-751	425	24	,	,	PUNCT
ajis02-751	425	25	multivariate	multivariate	NOUN
ajis02-751	425	26	data	datum	NOUN
ajis02-751	425	27	analysis	analysis	NOUN
ajis02-751	425	28	(	(	PUNCT
ajis02-751	425	29	6	6	NUM
ajis02-751	425	30	th	th	NOUN
ajis02-751	425	31	ed	ed	NOUN
ajis02-751	425	32	.	.	PUNCT
ajis02-751	425	33	)	)	PUNCT
ajis02-751	425	34	.	.	PUNCT
ajis02-751	426	1	prentice	prentice	PROPN
ajis02-751	426	2	hall	hall	PROPN
ajis02-751	426	3	,	,	PUNCT
ajis02-751	426	4	nj	nj	PROPN
ajis02-751	426	5	.	.	PUNCT
ajis02-751	426	6	hammond	hammond	PROPN
ajis02-751	426	7	,	,	PUNCT
ajis02-751	426	8	k.	k.	PROPN
ajis02-751	426	9	&	&	CCONJ
ajis02-751	426	10	ehrenberg	ehrenberg	PROPN
ajis02-751	426	11	,	,	PUNCT
ajis02-751	426	12	a.	a.	NOUN
ajis02-751	426	13	1995	1995	NUM
ajis02-751	426	14	,	,	PUNCT
ajis02-751	426	15	heavy	heavy	ADJ
ajis02-751	426	16	buyers	buyer	NOUN
ajis02-751	426	17	:	:	PUNCT
ajis02-751	426	18	how	how	SCONJ
ajis02-751	426	19	many	many	ADJ
ajis02-751	426	20	do	do	AUX
ajis02-751	426	21	you	you	PRON
ajis02-751	426	22	have	have	VERB
ajis02-751	426	23	?	?	PUNCT
ajis02-751	427	1	how	how	SCONJ
ajis02-751	427	2	important	important	ADJ
ajis02-751	427	3	are	be	AUX
ajis02-751	427	4	they	they	PRON
ajis02-751	427	5	?	?	PUNCT
ajis02-751	428	1	proceedings	proceeding	NOUN
ajis02-751	428	2	of	of	ADP
ajis02-751	428	3	the	the	DET
ajis02-751	428	4	24	24	NUM
ajis02-751	428	5	th	th	PRON
ajis02-751	428	6	annual	annual	ADJ
ajis02-751	428	7	conference	conference	NOUN
ajis02-751	428	8	of	of	ADP
ajis02-751	428	9	the	the	DET
ajis02-751	428	10	european	european	PROPN
ajis02-751	428	11	marketing	marketing	PROPN
ajis02-751	428	12	academy	academy	PROPN
ajis02-751	428	13	,	,	PUNCT
ajis02-751	428	14	16511655	16511655	NUM
ajis02-751	428	15	.	.	PUNCT
ajis02-751	429	1	hernandez	hernandez	PROPN
ajis02-751	429	2	,	,	PUNCT
ajis02-751	429	3	j.	j.	PROPN
ajis02-751	429	4	m.	m.	PROPN
ajis02-751	429	5	c.	c.	PROPN
ajis02-751	429	6	&	&	CCONJ
ajis02-751	429	7	mazzon	mazzon	PROPN
ajis02-751	429	8	,	,	PUNCT
ajis02-751	429	9	j.	j.	PROPN
ajis02-751	429	10	a.	a.	PROPN
ajis02-751	429	11	2007	2007	NUM
ajis02-751	429	12	,	,	PUNCT
ajis02-751	429	13	adoption	adoption	NOUN
ajis02-751	429	14	of	of	ADP
ajis02-751	429	15	internet	internet	NOUN
ajis02-751	429	16	banking	banking	NOUN
ajis02-751	429	17	:	:	PUNCT
ajis02-751	429	18	proposition	proposition	NOUN
ajis02-751	429	19	and	and	CCONJ
ajis02-751	429	20	implementation	implementation	NOUN
ajis02-751	429	21	of	of	ADP
ajis02-751	429	22	an	an	DET
ajis02-751	429	23	integrated	integrate	VERB
ajis02-751	429	24	methodology	methodology	NOUN
ajis02-751	429	25	approach	approach	NOUN
ajis02-751	429	26	.	.	PUNCT
ajis02-751	430	1	international	international	ADJ
ajis02-751	430	2	journal	journal	PROPN
ajis02-751	430	3	of	of	ADP
ajis02-751	430	4	bank	bank	PROPN
ajis02-751	430	5	marketing	marketing	NOUN
ajis02-751	430	6	,	,	PUNCT
ajis02-751	430	7	25	25	NUM
ajis02-751	430	8	(	(	PUNCT
ajis02-751	430	9	2	2	NUM
ajis02-751	430	10	)	)	PUNCT
ajis02-751	430	11	,	,	PUNCT
ajis02-751	430	12	72	72	NUM
ajis02-751	430	13	-	-	SYM
ajis02-751	430	14	88	88	NUM
ajis02-751	430	15	.	.	PUNCT
ajis02-751	431	1	hernandez	hernandez	PROPN
ajis02-751	431	2	,	,	PUNCT
ajis02-751	431	3	o.	o.	PROPN
ajis02-751	431	4	d.	d.	PROPN
ajis02-751	431	5	,	,	PUNCT
ajis02-751	431	6	jimenez	jimenez	PROPN
ajis02-751	431	7	-	-	PUNCT
ajis02-751	431	8	martinez	martinez	PROPN
ajis02-751	431	9	,	,	PUNCT
ajis02-751	431	10	j.	j.	PROPN
ajis02-751	431	11	&	&	CCONJ
ajis02-751	431	12	jose	jose	PROPN
ajis02-751	431	13	marti	marti	PROPN
ajis02-751	431	14	-	-	PUNCT
ajis02-751	431	15	de	de	PROPN
ajis02-751	431	16	,	,	PUNCT
ajis02-751	431	17	h.	h.	PROPN
ajis02-751	431	18	m.	m.	PROPN
ajis02-751	431	19	2008	2008	NUM
ajis02-751	431	20	,	,	PUNCT
ajis02-751	431	21	b2c	b2c	ADJ
ajis02-751	431	22	e	e	NOUN
ajis02-751	431	23	-	-	NOUN
ajis02-751	431	24	commerce	commerce	NOUN
ajis02-751	431	25	acceptance	acceptance	NOUN
ajis02-751	431	26	:	:	PUNCT
ajis02-751	431	27	the	the	DET
ajis02-751	431	28	moderating	moderate	VERB
ajis02-751	431	29	effect	effect	NOUN
ajis02-751	431	30	of	of	ADP
ajis02-751	431	31	gender	gender	NOUN
ajis02-751	431	32	.	.	PUNCT
ajis02-751	432	1	communication	communication	NOUN
ajis02-751	432	2	of	of	ADP
ajis02-751	432	3	the	the	DET
ajis02-751	432	4	ibima	ibima	NOUN
ajis02-751	432	5	,	,	PUNCT
ajis02-751	432	6	6	6	NUM
ajis02-751	432	7	(	(	PUNCT
ajis02-751	432	8	16	16	NUM
ajis02-751	432	9	)	)	PUNCT
ajis02-751	432	10	,	,	PUNCT
ajis02-751	432	11	104	104	NUM
ajis02-751	432	12	-	-	SYM
ajis02-751	432	13	112	112	NUM
ajis02-751	432	14	.	.	PUNCT
ajis02-751	433	1	http://www.ssrn.com/abstract=962242	http://www.ssrn.com/abstract=962242	NOUN
ajis02-751	433	2	australasian	australasian	ADJ
ajis02-751	433	3	journal	journal	NOUN
ajis02-751	433	4	of	of	ADP
ajis02-751	433	5	information	information	NOUN
ajis02-751	433	6	systems	system	NOUN
ajis02-751	433	7	volume	volume	NOUN
ajis02-751	433	8	18	18	NUM
ajis02-751	433	9	number1	number1	NOUN
ajis02-751	433	10	2013	2013	NUM
ajis02-751	433	11	28	28	NUM
ajis02-751	433	12	jha	jha	NOUN
ajis02-751	433	13	,	,	PUNCT
ajis02-751	433	14	s.	s.	PROPN
ajis02-751	433	15	,	,	PUNCT
ajis02-751	433	16	papagari	papagari	PROPN
ajis02-751	433	17	,	,	PUNCT
ajis02-751	433	18	s.	s.	PROPN
ajis02-751	433	19	,	,	PUNCT
ajis02-751	433	20	desouza	desouza	PROPN
ajis02-751	433	21	,	,	PUNCT
ajis02-751	433	22	k.	k.	PROPN
ajis02-751	433	23	c.	c.	PROPN
ajis02-751	433	24	,	,	PUNCT
ajis02-751	433	25	seo	seo	PROPN
ajis02-751	433	26	,	,	PUNCT
ajis02-751	433	27	d.	d.	PROPN
ajis02-751	433	28	&	&	CCONJ
ajis02-751	433	29	ye	ye	PROPN
ajis02-751	433	30	,	,	PUNCT
ajis02-751	433	31	c.	c.	PROPN
ajis02-751	433	32	2006	2006	NUM
ajis02-751	433	33	,	,	PUNCT
ajis02-751	433	34	technology	technology	NOUN
ajis02-751	433	35	failures	failure	NOUN
ajis02-751	433	36	and	and	CCONJ
ajis02-751	433	37	complaint	complaint	NOUN
ajis02-751	433	38	management	management	NOUN
ajis02-751	433	39	:	:	PUNCT
ajis02-751	433	40	antecedents	antecedent	NOUN
ajis02-751	433	41	to	to	ADP
ajis02-751	433	42	post	post	ADJ
ajis02-751	433	43	-	-	ADJ
ajis02-751	433	44	adoption	adoption	ADJ
ajis02-751	433	45	discontinuance	discontinuance	NOUN
ajis02-751	433	46	of	of	ADP
ajis02-751	433	47	technology	technology	NOUN
ajis02-751	433	48	usage	usage	NOUN
ajis02-751	433	49	.	.	PUNCT
ajis02-751	434	1	academy	academy	PROPN
ajis02-751	434	2	of	of	ADP
ajis02-751	434	3	management	management	NOUN
ajis02-751	434	4	annual	annual	ADJ
ajis02-751	434	5	meeting	meeting	NOUN
ajis02-751	434	6	,	,	PUNCT
ajis02-751	434	7	atlanta	atlanta	PROPN
ajis02-751	434	8	,	,	PUNCT
ajis02-751	434	9	georgia	georgia	PROPN
ajis02-751	434	10	.	.	PUNCT
ajis02-751	435	1	karmarkar	karmarkar	PROPN
ajis02-751	435	2	,	,	PUNCT
ajis02-751	435	3	u.	u.	PROPN
ajis02-751	435	4	s.	s.	PROPN
ajis02-751	435	5	&	&	CCONJ
ajis02-751	435	6	pitbladdo	pitbladdo	PROPN
ajis02-751	435	7	,	,	PUNCT
ajis02-751	435	8	r.	r.	PROPN
ajis02-751	435	9	c.	c.	PROPN
ajis02-751	435	10	1997	1997	NUM
ajis02-751	435	11	,	,	PUNCT
ajis02-751	435	12	quality	quality	NOUN
ajis02-751	435	13	,	,	PUNCT
ajis02-751	435	14	class	class	NOUN
ajis02-751	435	15	,	,	PUNCT
ajis02-751	435	16	and	and	CCONJ
ajis02-751	435	17	competition	competition	NOUN
ajis02-751	435	18	.	.	PUNCT
ajis02-751	436	1	management	management	NOUN
ajis02-751	436	2	science	science	NOUN
ajis02-751	436	3	,	,	PUNCT
ajis02-751	436	4	43	43	NUM
ajis02-751	436	5	(	(	PUNCT
ajis02-751	436	6	1	1	NUM
ajis02-751	436	7	)	)	PUNCT
ajis02-751	436	8	,	,	PUNCT
ajis02-751	436	9	27	27	NUM
ajis02-751	436	10	-	-	SYM
ajis02-751	436	11	39	39	NUM
ajis02-751	436	12	.	.	PUNCT
ajis02-751	437	1	kasheir	kasheir	PROPN
ajis02-751	437	2	,	,	PUNCT
ajis02-751	437	3	d.	d.	PROPN
ajis02-751	437	4	,	,	PUNCT
ajis02-751	437	5	ashour	ashour	PROPN
ajis02-751	437	6	,	,	PUNCT
ajis02-751	437	7	a.	a.	PROPN
ajis02-751	437	8	s.	s.	PROPN
ajis02-751	437	9	&	&	CCONJ
ajis02-751	437	10	yacout	yacout	PROPN
ajis02-751	437	11	,	,	PUNCT
ajis02-751	437	12	o.	o.	PROPN
ajis02-751	437	13	m.	m.	PROPN
ajis02-751	437	14	2009	2009	NUM
ajis02-751	437	15	,	,	PUNCT
ajis02-751	437	16	factors	factor	NOUN
ajis02-751	437	17	affecting	affect	VERB
ajis02-751	437	18	continued	continue	VERB
ajis02-751	437	19	usage	usage	NOUN
ajis02-751	437	20	of	of	ADP
ajis02-751	437	21	internet	internet	NOUN
ajis02-751	437	22	banking	banking	NOUN
ajis02-751	437	23	among	among	ADP
ajis02-751	437	24	egyptian	egyptian	ADJ
ajis02-751	437	25	customers	customer	NOUN
ajis02-751	437	26	.	.	PUNCT
ajis02-751	438	1	communication	communication	NOUN
ajis02-751	438	2	of	of	ADP
ajis02-751	438	3	the	the	DET
ajis02-751	438	4	ibima	ibima	NOUN
ajis02-751	438	5	,	,	PUNCT
ajis02-751	438	6	9	9	NUM
ajis02-751	438	7	,	,	PUNCT
ajis02-751	438	8	issn	issn	NOUN
ajis02-751	438	9	:	:	PUNCT
ajis02-751	438	10	1943	1943	NUM
ajis02-751	438	11	-	-	SYM
ajis02-751	438	12	7765	7765	NUM
ajis02-751	438	13	.	.	PUNCT
ajis02-751	439	1	keen	keen	ADJ
ajis02-751	439	2	,	,	PUNCT
ajis02-751	439	3	c.	c.	PROPN
ajis02-751	439	4	,	,	PUNCT
ajis02-751	439	5	wetzels	wetzels	PROPN
ajis02-751	439	6	,	,	PUNCT
ajis02-751	439	7	m.	m.	NOUN
ajis02-751	439	8	,	,	PUNCT
ajis02-751	439	9	de	de	ADP
ajis02-751	439	10	ruyter	ruyter	NOUN
ajis02-751	439	11	,	,	PUNCT
ajis02-751	439	12	k.	k.	PROPN
ajis02-751	439	13	&	&	CCONJ
ajis02-751	439	14	feinberg	feinberg	PROPN
ajis02-751	439	15	,	,	PUNCT
ajis02-751	439	16	r.	r.	PROPN
ajis02-751	439	17	2004	2004	NUM
ajis02-751	439	18	,	,	PUNCT
ajis02-751	439	19	e	e	NOUN
ajis02-751	439	20	-	-	NOUN
ajis02-751	439	21	tailers	tailer	NOUN
ajis02-751	439	22	versus	versus	ADP
ajis02-751	439	23	retailers	retailer	NOUN
ajis02-751	439	24	:	:	PUNCT
ajis02-751	439	25	which	which	DET
ajis02-751	439	26	factors	factor	NOUN
ajis02-751	439	27	determine	determine	VERB
ajis02-751	439	28	consumer	consumer	NOUN
ajis02-751	439	29	preferences	preference	NOUN
ajis02-751	439	30	?	?	PUNCT
ajis02-751	440	1	journal	journal	NOUN
ajis02-751	440	2	of	of	ADP
ajis02-751	440	3	business	business	NOUN
ajis02-751	440	4	research	research	NOUN
ajis02-751	440	5	,	,	PUNCT
ajis02-751	440	6	57	57	NUM
ajis02-751	440	7	,	,	PUNCT
ajis02-751	440	8	685	685	NUM
ajis02-751	440	9	-	-	SYM
ajis02-751	440	10	695	695	NUM
ajis02-751	440	11	.	.	PUNCT
ajis02-751	441	1	kerem	kerem	PROPN
ajis02-751	441	2	,	,	PUNCT
ajis02-751	441	3	k.	k.	PROPN
ajis02-751	441	4	,	,	PUNCT
ajis02-751	441	5	lustsik	lustsik	PROPN
ajis02-751	441	6	,	,	PUNCT
ajis02-751	441	7	o.	o.	PROPN
ajis02-751	441	8	,	,	PUNCT
ajis02-751	441	9	sorg	sorg	PROPN
ajis02-751	441	10	,	,	PUNCT
ajis02-751	441	11	m.	m.	NOUN
ajis02-751	441	12	&	&	CCONJ
ajis02-751	441	13	vensel	vensel	PROPN
ajis02-751	441	14	,	,	PUNCT
ajis02-751	441	15	v.	v.	ADP
ajis02-751	441	16	2003	2003	NUM
ajis02-751	441	17	,	,	PUNCT
ajis02-751	441	18	the	the	DET
ajis02-751	441	19	development	development	NOUN
ajis02-751	441	20	of	of	ADP
ajis02-751	441	21	e	e	NOUN
ajis02-751	441	22	-	-	NOUN
ajis02-751	441	23	banking	banking	NOUN
ajis02-751	441	24	in	in	ADP
ajis02-751	441	25	a	a	DET
ajis02-751	441	26	eu	eu	PROPN
ajis02-751	441	27	candidate	candidate	NOUN
ajis02-751	441	28	country	country	NOUN
ajis02-751	441	29	:	:	PUNCT
ajis02-751	441	30	an	an	DET
ajis02-751	441	31	estonian	estonian	ADJ
ajis02-751	441	32	case	case	NOUN
ajis02-751	441	33	.	.	PUNCT
ajis02-751	442	1	proceedings	proceeding	NOUN
ajis02-751	442	2	of	of	ADP
ajis02-751	442	3	international	international	ADJ
ajis02-751	442	4	atlantic	atlantic	ADJ
ajis02-751	442	5	economic	economic	PROPN
ajis02-751	442	6	society	society	NOUN
ajis02-751	442	7	conference	conference	PROPN
ajis02-751	442	8	,	,	PUNCT
ajis02-751	442	9	vienna	vienna	PROPN
ajis02-751	442	10	,	,	PUNCT
ajis02-751	442	11	march	march	PROPN
ajis02-751	442	12	11	11	NUM
ajis02-751	442	13	-	-	SYM
ajis02-751	442	14	17	17	NUM
ajis02-751	442	15	.	.	PUNCT
ajis02-751	443	1	kim	kim	PROPN
ajis02-751	443	2	,	,	PUNCT
ajis02-751	443	3	s.	s.	PROPN
ajis02-751	443	4	s.	s.	PROPN
ajis02-751	443	5	&	&	CCONJ
ajis02-751	443	6	malhotra	malhotra	PROPN
ajis02-751	443	7	,	,	PUNCT
ajis02-751	443	8	n.	n.	PROPN
ajis02-751	443	9	k.	k.	PROPN
ajis02-751	443	10	2005	2005	NUM
ajis02-751	443	11	,	,	PUNCT
ajis02-751	443	12	a	a	DET
ajis02-751	443	13	longitudinal	longitudinal	ADJ
ajis02-751	443	14	model	model	NOUN
ajis02-751	443	15	of	of	ADP
ajis02-751	443	16	continued	continued	ADJ
ajis02-751	443	17	is	be	AUX
ajis02-751	443	18	use	use	NOUN
ajis02-751	443	19	:	:	PUNCT
ajis02-751	443	20	an	an	DET
ajis02-751	443	21	integrative	integrative	ADJ
ajis02-751	443	22	view	view	NOUN
ajis02-751	443	23	of	of	ADP
ajis02-751	443	24	four	four	NUM
ajis02-751	443	25	mechanisms	mechanism	NOUN
ajis02-751	443	26	underlying	underlie	VERB
ajis02-751	443	27	post	post	NOUN
ajis02-751	443	28	adoption	adoption	NOUN
ajis02-751	443	29	phenomena	phenomenon	NOUN
ajis02-751	443	30	.	.	PUNCT
ajis02-751	444	1	management	management	NOUN
ajis02-751	444	2	science	science	NOUN
ajis02-751	444	3	,	,	PUNCT
ajis02-751	444	4	51	51	NUM
ajis02-751	444	5	(	(	PUNCT
ajis02-751	444	6	5	5	NUM
ajis02-751	444	7	)	)	PUNCT
ajis02-751	444	8	,	,	PUNCT
ajis02-751	444	9	741	741	NUM
ajis02-751	444	10	-	-	SYM
ajis02-751	444	11	755	755	NUM
ajis02-751	444	12	.	.	PUNCT
ajis02-751	445	1	klopping	klopping	NOUN
ajis02-751	445	2	,	,	PUNCT
ajis02-751	445	3	i.	i.	PROPN
ajis02-751	445	4	m.	m.	PROPN
ajis02-751	445	5	&	&	CCONJ
ajis02-751	445	6	mckinney	mckinney	PROPN
ajis02-751	445	7	,	,	PUNCT
ajis02-751	445	8	e.	e.	PROPN
ajis02-751	445	9	2004	2004	PROPN
ajis02-751	445	10	,	,	PUNCT
ajis02-751	445	11	extending	extend	VERB
ajis02-751	445	12	the	the	DET
ajis02-751	445	13	technology	technology	NOUN
ajis02-751	445	14	acceptance	acceptance	NOUN
ajis02-751	445	15	model	model	NOUN
ajis02-751	445	16	and	and	CCONJ
ajis02-751	445	17	the	the	DET
ajis02-751	445	18	task	task	NOUN
ajis02-751	445	19	technology	technology	PROPN
ajis02-751	445	20	fit	fit	ADJ
ajis02-751	445	21	model	model	NOUN
ajis02-751	445	22	to	to	ADP
ajis02-751	445	23	consumer	consumer	NOUN
ajis02-751	445	24	e	e	NOUN
ajis02-751	445	25	-	-	NOUN
ajis02-751	445	26	commerce	commerce	NOUN
ajis02-751	445	27	.	.	PUNCT
ajis02-751	446	1	information	information	NOUN
ajis02-751	446	2	technology	technology	PROPN
ajis02-751	446	3	,	,	PUNCT
ajis02-751	446	4	learning	learning	NOUN
ajis02-751	446	5	,	,	PUNCT
ajis02-751	446	6	and	and	CCONJ
ajis02-751	446	7	performance	performance	NOUN
ajis02-751	446	8	journal	journal	NOUN
ajis02-751	446	9	,	,	PUNCT
ajis02-751	446	10	22	22	NUM
ajis02-751	446	11	(	(	PUNCT
ajis02-751	446	12	1	1	NUM
ajis02-751	446	13	)	)	PUNCT
ajis02-751	446	14	,	,	PUNCT
ajis02-751	446	15	35	35	NUM
ajis02-751	446	16	-	-	SYM
ajis02-751	446	17	48	48	NUM
ajis02-751	446	18	.	.	PUNCT
ajis02-751	447	1	lee	lee	PROPN
ajis02-751	447	2	,	,	PUNCT
ajis02-751	447	3	e.	e.	PROPN
ajis02-751	447	4	,	,	PUNCT
ajis02-751	447	5	lee	lee	PROPN
ajis02-751	447	6	,	,	PUNCT
ajis02-751	447	7	j.	j.	PROPN
ajis02-751	447	8	&	&	CCONJ
ajis02-751	447	9	eastwood	eastwood	PROPN
ajis02-751	447	10	,	,	PUNCT
ajis02-751	447	11	d.	d.	PROPN
ajis02-751	447	12	2003	2003	NUM
ajis02-751	447	13	,	,	PUNCT
ajis02-751	447	14	a	a	DET
ajis02-751	447	15	two	two	NUM
ajis02-751	447	16	-	-	PUNCT
ajis02-751	447	17	step	step	NOUN
ajis02-751	447	18	estimation	estimation	NOUN
ajis02-751	447	19	of	of	ADP
ajis02-751	447	20	consumer	consumer	NOUN
ajis02-751	447	21	adoption	adoption	NOUN
ajis02-751	447	22	of	of	ADP
ajis02-751	447	23	technologybased	technologybase	VERB
ajis02-751	447	24	service	service	NOUN
ajis02-751	447	25	innovations	innovation	NOUN
ajis02-751	447	26	.	.	PUNCT
ajis02-751	448	1	the	the	DET
ajis02-751	448	2	journal	journal	NOUN
ajis02-751	448	3	of	of	ADP
ajis02-751	448	4	consumer	consumer	NOUN
ajis02-751	448	5	affairs	affair	NOUN
ajis02-751	448	6	,	,	PUNCT
ajis02-751	448	7	37	37	NUM
ajis02-751	448	8	(	(	PUNCT
ajis02-751	448	9	2	2	NUM
ajis02-751	448	10	)	)	PUNCT
ajis02-751	448	11	,	,	PUNCT
ajis02-751	448	12	256	256	NUM
ajis02-751	448	13	-	-	SYM
ajis02-751	448	14	282	282	NUM
ajis02-751	448	15	.	.	PUNCT
ajis02-751	449	1	lee	lee	PROPN
ajis02-751	449	2	,	,	PUNCT
ajis02-751	449	3	p.	p.	NOUN
ajis02-751	449	4	1996	1996	NUM
ajis02-751	449	5	,	,	PUNCT
ajis02-751	449	6	the	the	DET
ajis02-751	449	7	cutting	cut	VERB
ajis02-751	449	8	edge	edge	NOUN
ajis02-751	449	9	:	:	PUNCT
ajis02-751	449	10	so	so	ADV
ajis02-751	449	11	far	far	ADV
ajis02-751	449	12	,	,	PUNCT
ajis02-751	449	13	online	online	ADJ
ajis02-751	449	14	banking	banking	NOUN
ajis02-751	449	15	is	be	AUX
ajis02-751	449	16	mostly	mostly	ADV
ajis02-751	449	17	wishful	wishful	ADJ
ajis02-751	449	18	thinking	thinking	NOUN
ajis02-751	449	19	.	.	PUNCT
ajis02-751	450	1	los	los	PROPN
ajis02-751	450	2	angeles	angeles	PROPN
ajis02-751	450	3	times	times	PROPN
ajis02-751	450	4	,	,	PUNCT
ajis02-751	450	5	september	september	PROPN
ajis02-751	450	6	30	30	NUM
ajis02-751	450	7	,	,	PUNCT
ajis02-751	450	8	1	1	NUM
ajis02-751	450	9	.	.	PUNCT
ajis02-751	450	10	liao	liao	PROPN
ajis02-751	450	11	,	,	PUNCT
ajis02-751	450	12	s.	s.	PROPN
ajis02-751	450	13	,	,	PUNCT
ajis02-751	450	14	shao	shao	PROPN
ajis02-751	450	15	,	,	PUNCT
ajis02-751	450	16	y.	y.	PROPN
ajis02-751	450	17	p.	p.	PROPN
ajis02-751	450	18	,	,	PUNCT
ajis02-751	450	19	wang	wang	PROPN
ajis02-751	450	20	,	,	PUNCT
ajis02-751	450	21	h.	h.	PROPN
ajis02-751	450	22	&	&	CCONJ
ajis02-751	450	23	chen	chen	PROPN
ajis02-751	450	24	,	,	PUNCT
ajis02-751	450	25	a.	a.	PROPN
ajis02-751	450	26	1999	1999	NUM
ajis02-751	450	27	,	,	PUNCT
ajis02-751	450	28	the	the	DET
ajis02-751	450	29	adoption	adoption	NOUN
ajis02-751	450	30	of	of	ADP
ajis02-751	450	31	virtual	virtual	ADJ
ajis02-751	450	32	banking	banking	NOUN
ajis02-751	450	33	:	:	PUNCT
ajis02-751	450	34	an	an	DET
ajis02-751	450	35	empirical	empirical	ADJ
ajis02-751	450	36	study	study	NOUN
ajis02-751	450	37	.	.	PUNCT
ajis02-751	451	1	international	international	ADJ
ajis02-751	451	2	journal	journal	PROPN
ajis02-751	451	3	of	of	ADP
ajis02-751	451	4	information	information	NOUN
ajis02-751	451	5	management	management	NOUN
ajis02-751	451	6	,	,	PUNCT
ajis02-751	451	7	19	19	NUM
ajis02-751	451	8	,	,	PUNCT
ajis02-751	451	9	63	63	NUM
ajis02-751	451	10	-	-	SYM
ajis02-751	451	11	74	74	NUM
ajis02-751	451	12	.	.	PUNCT
ajis02-751	452	1	liljander	liljander	PROPN
ajis02-751	452	2	,	,	PUNCT
ajis02-751	452	3	v.	v.	PROPN
ajis02-751	452	4	,	,	PUNCT
ajis02-751	452	5	gillberg	gillberg	PROPN
ajis02-751	452	6	,	,	PUNCT
ajis02-751	452	7	f.	f.	PROPN
ajis02-751	452	8	,	,	PUNCT
ajis02-751	452	9	gunmerus	gunmerus	NOUN
ajis02-751	452	10	,	,	PUNCT
ajis02-751	452	11	j.	j.	PROPN
ajis02-751	452	12	&	&	CCONJ
ajis02-751	452	13	riel	riel	PROPN
ajis02-751	452	14	,	,	PUNCT
ajis02-751	452	15	a.	a.	NOUN
ajis02-751	452	16	v.	v.	ADP
ajis02-751	452	17	2006	2006	NUM
ajis02-751	452	18	,	,	PUNCT
ajis02-751	452	19	technology	technology	NOUN
ajis02-751	452	20	readiness	readiness	NOUN
ajis02-751	452	21	and	and	CCONJ
ajis02-751	452	22	the	the	DET
ajis02-751	452	23	evaluation	evaluation	NOUN
ajis02-751	452	24	and	and	CCONJ
ajis02-751	452	25	adoption	adoption	NOUN
ajis02-751	452	26	of	of	ADP
ajis02-751	452	27	self	self	NOUN
ajis02-751	452	28	-	-	PUNCT
ajis02-751	452	29	service	service	NOUN
ajis02-751	452	30	technologies	technology	NOUN
ajis02-751	452	31	.	.	PUNCT
ajis02-751	453	1	journal	journal	NOUN
ajis02-751	453	2	of	of	ADP
ajis02-751	453	3	retailing	retailing	NOUN
ajis02-751	453	4	and	and	CCONJ
ajis02-751	453	5	consumer	consumer	NOUN
ajis02-751	453	6	services	service	NOUN
ajis02-751	453	7	,	,	PUNCT
ajis02-751	453	8	13	13	NUM
ajis02-751	453	9	,	,	PUNCT
ajis02-751	453	10	177	177	NUM
ajis02-751	453	11	-	-	SYM
ajis02-751	453	12	191	191	NUM
ajis02-751	453	13	.	.	PUNCT
ajis02-751	454	1	lindgreen	lindgreen	NOUN
ajis02-751	454	2	,	,	PUNCT
ajis02-751	454	3	a.	a.	PROPN
ajis02-751	454	4	&	&	CCONJ
ajis02-751	454	5	wynstra	wynstra	PROPN
ajis02-751	454	6	,	,	PUNCT
ajis02-751	454	7	f.	f.	PROPN
ajis02-751	454	8	2005	2005	NUM
ajis02-751	454	9	,	,	PUNCT
ajis02-751	454	10	value	value	NOUN
ajis02-751	454	11	in	in	ADP
ajis02-751	454	12	business	business	NOUN
ajis02-751	454	13	markets	market	NOUN
ajis02-751	454	14	:	:	PUNCT
ajis02-751	454	15	what	what	PRON
ajis02-751	454	16	do	do	AUX
ajis02-751	454	17	we	we	PRON
ajis02-751	454	18	know	know	VERB
ajis02-751	454	19	?	?	PUNCT
ajis02-751	455	1	industrial	industrial	ADJ
ajis02-751	455	2	marketing	marketing	NOUN
ajis02-751	455	3	management	management	NOUN
ajis02-751	455	4	,	,	PUNCT
ajis02-751	455	5	34	34	NUM
ajis02-751	455	6	,	,	PUNCT
ajis02-751	455	7	732	732	NUM
ajis02-751	455	8	-	-	SYM
ajis02-751	455	9	748	748	NUM
ajis02-751	455	10	.	.	PUNCT
ajis02-751	456	1	lockett	lockett	PROPN
ajis02-751	456	2	,	,	PUNCT
ajis02-751	456	3	a.	a.	PROPN
ajis02-751	456	4	&	&	CCONJ
ajis02-751	456	5	littler	littler	PROPN
ajis02-751	456	6	,	,	PUNCT
ajis02-751	456	7	d.	d.	PROPN
ajis02-751	456	8	1997	1997	NUM
ajis02-751	456	9	,	,	PUNCT
ajis02-751	456	10	the	the	DET
ajis02-751	456	11	adoption	adoption	NOUN
ajis02-751	456	12	of	of	ADP
ajis02-751	456	13	direct	direct	ADJ
ajis02-751	456	14	banking	banking	NOUN
ajis02-751	456	15	services	service	NOUN
ajis02-751	456	16	.	.	PUNCT
ajis02-751	457	1	journal	journal	NOUN
ajis02-751	457	2	of	of	ADP
ajis02-751	457	3	marketing	marketing	NOUN
ajis02-751	457	4	management	management	NOUN
ajis02-751	457	5	,	,	PUNCT
ajis02-751	457	6	13	13	NUM
ajis02-751	457	7	,	,	PUNCT
ajis02-751	457	8	791	791	NUM
ajis02-751	457	9	-	-	SYM
ajis02-751	457	10	811	811	NUM
ajis02-751	457	11	.	.	PUNCT
ajis02-751	458	1	lovelock	lovelock	PROPN
ajis02-751	458	2	,	,	PUNCT
ajis02-751	458	3	c.	c.	PROPN
ajis02-751	458	4	&	&	CCONJ
ajis02-751	458	5	wirtz	wirtz	PROPN
ajis02-751	458	6	,	,	PUNCT
ajis02-751	458	7	j.	j.	PROPN
ajis02-751	458	8	2004	2004	PROPN
ajis02-751	458	9	,	,	PUNCT
ajis02-751	458	10	services	service	NOUN
ajis02-751	458	11	marketing	marketing	NOUN
ajis02-751	458	12	:	:	PUNCT
ajis02-751	458	13	people	people	NOUN
ajis02-751	458	14	,	,	PUNCT
ajis02-751	458	15	technology	technology	NOUN
ajis02-751	458	16	,	,	PUNCT
ajis02-751	458	17	strategy	strategy	NOUN
ajis02-751	458	18	(	(	PUNCT
ajis02-751	458	19	5	5	NUM
ajis02-751	458	20	th	th	NUM
ajis02-751	458	21	ed	ed	NOUN
ajis02-751	458	22	.	.	PUNCT
ajis02-751	458	23	)	)	PUNCT
ajis02-751	458	24	.	.	PUNCT
ajis02-751	459	1	prenticehall	prenticehall	NOUN
ajis02-751	459	2	,	,	PUNCT
ajis02-751	459	3	upper	upper	ADJ
ajis02-751	459	4	saddle	saddle	NOUN
ajis02-751	459	5	river	river	PROPN
ajis02-751	459	6	,	,	PUNCT
ajis02-751	459	7	nj	nj	PROPN
ajis02-751	459	8	.	.	PUNCT
ajis02-751	460	1	lu	lu	PROPN
ajis02-751	460	2	,	,	PUNCT
ajis02-751	460	3	m.	m.	NOUN
ajis02-751	460	4	t.	t.	PROPN
ajis02-751	460	5	,	,	PUNCT
ajis02-751	460	6	liu	liu	PROPN
ajis02-751	460	7	,	,	PUNCT
ajis02-751	460	8	c.	c.	PROPN
ajis02-751	460	9	h.	h.	PROPN
ajis02-751	460	10	,	,	PUNCT
ajis02-751	460	11	jing	jing	PROPN
ajis02-751	460	12	,	,	PUNCT
ajis02-751	460	13	j.	j.	PROPN
ajis02-751	460	14	&	&	CCONJ
ajis02-751	460	15	huang	huang	PROPN
ajis02-751	460	16	,	,	PUNCT
ajis02-751	460	17	l.	l.	PROPN
ajis02-751	460	18	j.	j.	PROPN
ajis02-751	460	19	2005	2005	NUM
ajis02-751	460	20	,	,	PUNCT
ajis02-751	460	21	internet	internet	NOUN
ajis02-751	460	22	banking	banking	NOUN
ajis02-751	460	23	:	:	PUNCT
ajis02-751	460	24	strategic	strategic	ADJ
ajis02-751	460	25	responses	response	NOUN
ajis02-751	460	26	to	to	ADP
ajis02-751	460	27	the	the	DET
ajis02-751	460	28	accession	accession	NOUN
ajis02-751	460	29	of	of	ADP
ajis02-751	460	30	wto	wto	PROPN
ajis02-751	460	31	by	by	ADP
ajis02-751	460	32	chinese	chinese	ADJ
ajis02-751	460	33	banks	bank	NOUN
ajis02-751	460	34	.	.	PUNCT
ajis02-751	461	1	industrial	industrial	ADJ
ajis02-751	461	2	management	management	PROPN
ajis02-751	461	3	&	&	CCONJ
ajis02-751	461	4	data	datum	NOUN
ajis02-751	461	5	systems	system	NOUN
ajis02-751	461	6	,	,	PUNCT
ajis02-751	461	7	105	105	NUM
ajis02-751	461	8	(	(	PUNCT
ajis02-751	461	9	4	4	NUM
ajis02-751	461	10	)	)	PUNCT
ajis02-751	461	11	,	,	PUNCT
ajis02-751	461	12	429442	429442	NUM
ajis02-751	461	13	.	.	PUNCT
ajis02-751	462	1	ma	ma	PROPN
ajis02-751	462	2	,	,	PUNCT
ajis02-751	462	3	q.	q.	PROPN
ajis02-751	462	4	&	&	CCONJ
ajis02-751	462	5	liu	liu	PROPN
ajis02-751	462	6	,	,	PUNCT
ajis02-751	462	7	l.	l.	PROPN
ajis02-751	462	8	2004	2004	NUM
ajis02-751	462	9	,	,	PUNCT
ajis02-751	462	10	the	the	DET
ajis02-751	462	11	technology	technology	NOUN
ajis02-751	462	12	acceptance	acceptance	NOUN
ajis02-751	462	13	model	model	NOUN
ajis02-751	462	14	:	:	PUNCT
ajis02-751	462	15	a	a	DET
ajis02-751	462	16	meta	meta	ADJ
ajis02-751	462	17	-	-	PUNCT
ajis02-751	462	18	analysis	analysis	NOUN
ajis02-751	462	19	of	of	ADP
ajis02-751	462	20	empirical	empirical	ADJ
ajis02-751	462	21	findings	finding	NOUN
ajis02-751	462	22	.	.	PUNCT
ajis02-751	463	1	journal	journal	NOUN
ajis02-751	463	2	of	of	ADP
ajis02-751	463	3	organisational	organisational	ADJ
ajis02-751	463	4	and	and	CCONJ
ajis02-751	463	5	end	end	VERB
ajis02-751	463	6	user	user	NOUN
ajis02-751	463	7	computing	computing	NOUN
ajis02-751	463	8	,	,	PUNCT
ajis02-751	463	9	16	16	NUM
ajis02-751	463	10	(	(	PUNCT
ajis02-751	463	11	1	1	NUM
ajis02-751	463	12	)	)	PUNCT
ajis02-751	463	13	,	,	PUNCT
ajis02-751	463	14	59	59	NUM
ajis02-751	463	15	-	-	SYM
ajis02-751	463	16	72	72	NUM
ajis02-751	463	17	.	.	PUNCT
ajis02-751	464	1	australasian	australasian	ADJ
ajis02-751	464	2	journal	journal	NOUN
ajis02-751	464	3	of	of	ADP
ajis02-751	464	4	information	information	NOUN
ajis02-751	464	5	systems	system	NOUN
ajis02-751	464	6	volume	volume	NOUN
ajis02-751	464	7	18	18	NUM
ajis02-751	464	8	number1	number1	NOUN
ajis02-751	464	9	2013	2013	NUM
ajis02-751	464	10	29	29	NUM
ajis02-751	464	11	mathieson	mathieson	NOUN
ajis02-751	464	12	,	,	PUNCT
ajis02-751	464	13	k.	k.	PROPN
ajis02-751	464	14	1991	1991	NUM
ajis02-751	464	15	,	,	PUNCT
ajis02-751	464	16	predicting	predict	VERB
ajis02-751	464	17	user	user	NOUN
ajis02-751	464	18	intentions	intention	NOUN
ajis02-751	464	19	:	:	PUNCT
ajis02-751	464	20	comparing	compare	VERB
ajis02-751	464	21	the	the	DET
ajis02-751	464	22	technology	technology	NOUN
ajis02-751	464	23	acceptance	acceptance	NOUN
ajis02-751	464	24	model	model	NOUN
ajis02-751	464	25	with	with	ADP
ajis02-751	464	26	the	the	DET
ajis02-751	464	27	theory	theory	NOUN
ajis02-751	464	28	of	of	ADP
ajis02-751	464	29	planned	plan	VERB
ajis02-751	464	30	behaviour	behaviour	NOUN
ajis02-751	464	31	.	.	PUNCT
ajis02-751	465	1	information	information	NOUN
ajis02-751	465	2	systems	system	NOUN
ajis02-751	465	3	research	research	NOUN
ajis02-751	465	4	,	,	PUNCT
ajis02-751	465	5	2	2	NUM
ajis02-751	465	6	(	(	PUNCT
ajis02-751	465	7	3	3	NUM
ajis02-751	465	8	)	)	PUNCT
ajis02-751	465	9	,	,	PUNCT
ajis02-751	465	10	173	173	NUM
ajis02-751	465	11	-	-	SYM
ajis02-751	465	12	191	191	NUM
ajis02-751	465	13	.	.	PUNCT
ajis02-751	466	1	mccole	mccole	NOUN
ajis02-751	466	2	,	,	PUNCT
ajis02-751	466	3	p.	p.	PROPN
ajis02-751	466	4	&	&	CCONJ
ajis02-751	466	5	ramsey	ramsey	PROPN
ajis02-751	466	6	,	,	PUNCT
ajis02-751	466	7	e.	e.	PROPN
ajis02-751	466	8	2009	2009	NUM
ajis02-751	466	9	,	,	PUNCT
ajis02-751	466	10	a	a	DET
ajis02-751	466	11	profile	profile	NOUN
ajis02-751	466	12	of	of	ADP
ajis02-751	466	13	adopters	adopter	NOUN
ajis02-751	466	14	and	and	CCONJ
ajis02-751	466	15	non	non	NOUN
ajis02-751	466	16	-	-	NOUN
ajis02-751	466	17	adopters	adopter	NOUN
ajis02-751	466	18	of	of	ADP
ajis02-751	466	19	ecommerce	ecommerce	NOUN
ajis02-751	466	20	in	in	ADP
ajis02-751	466	21	sme	sme	PROPN
ajis02-751	466	22	professional	professional	PROPN
ajis02-751	466	23	service	service	NOUN
ajis02-751	466	24	firms	firm	NOUN
ajis02-751	466	25	.	.	PUNCT
ajis02-751	467	1	australasian	australasian	ADJ
ajis02-751	467	2	marketing	marketing	NOUN
ajis02-751	467	3	journal	journal	NOUN
ajis02-751	467	4	,	,	PUNCT
ajis02-751	467	5	13	13	NUM
ajis02-751	467	6	,	,	PUNCT
ajis02-751	467	7	36	36	NUM
ajis02-751	467	8	-	-	SYM
ajis02-751	467	9	45	45	NUM
ajis02-751	467	10	.	.	PUNCT
ajis02-751	468	1	mia	mia	PROPN
ajis02-751	468	2	,	,	PUNCT
ajis02-751	468	3	m.	m.	PROPN
ajis02-751	468	4	a.	a.	PROPN
ajis02-751	468	5	h.	h.	PROPN
ajis02-751	468	6	,	,	PUNCT
ajis02-751	468	7	rahman	rahman	PROPN
ajis02-751	468	8	,	,	PUNCT
ajis02-751	468	9	m.	m.	NOUN
ajis02-751	468	10	a.	a.	PROPN
ajis02-751	468	11	&	&	CCONJ
ajis02-751	468	12	uddin	uddin	PROPN
ajis02-751	468	13	,	,	PUNCT
ajis02-751	468	14	m.	m.	NOUN
ajis02-751	468	15	m.	m.	NOUN
ajis02-751	468	16	2007	2007	NUM
ajis02-751	468	17	,	,	PUNCT
ajis02-751	468	18	e	e	NOUN
ajis02-751	468	19	-	-	ADJ
ajis02-751	468	20	banking	banking	ADJ
ajis02-751	468	21	evolution	evolution	NOUN
ajis02-751	468	22	,	,	PUNCT
ajis02-751	468	23	status	status	NOUN
ajis02-751	468	24	and	and	CCONJ
ajis02-751	468	25	prospects	prospect	NOUN
ajis02-751	468	26	.	.	PUNCT
ajis02-751	469	1	the	the	DET
ajis02-751	469	2	cost	cost	NOUN
ajis02-751	469	3	and	and	CCONJ
ajis02-751	469	4	management	management	NOUN
ajis02-751	469	5	,	,	PUNCT
ajis02-751	469	6	35	35	NUM
ajis02-751	469	7	(	(	PUNCT
ajis02-751	469	8	1	1	NUM
ajis02-751	469	9	)	)	PUNCT
ajis02-751	469	10	,	,	PUNCT
ajis02-751	469	11	36	36	NUM
ajis02-751	469	12	-	-	SYM
ajis02-751	469	13	48	48	NUM
ajis02-751	469	14	.	.	PUNCT
ajis02-751	469	15	mick	mick	PROPN
ajis02-751	469	16	,	,	PUNCT
ajis02-751	469	17	d.	d.	PROPN
ajis02-751	469	18	g.	g.	PROPN
ajis02-751	469	19	&	&	CCONJ
ajis02-751	469	20	fournier	fournier	PROPN
ajis02-751	469	21	,	,	PUNCT
ajis02-751	469	22	s.	s.	PROPN
ajis02-751	469	23	1998	1998	NUM
ajis02-751	469	24	,	,	PUNCT
ajis02-751	469	25	paradoxes	paradox	NOUN
ajis02-751	469	26	of	of	ADP
ajis02-751	469	27	technology	technology	NOUN
ajis02-751	469	28	:	:	PUNCT
ajis02-751	469	29	consume	consume	VERB
ajis02-751	469	30	cognizance	cognizance	NOUN
ajis02-751	469	31	,	,	PUNCT
ajis02-751	469	32	emotions	emotion	NOUN
ajis02-751	469	33	,	,	PUNCT
ajis02-751	469	34	and	and	CCONJ
ajis02-751	469	35	coping	cope	VERB
ajis02-751	469	36	strategies	strategy	NOUN
ajis02-751	469	37	.	.	PUNCT
ajis02-751	470	1	journal	journal	NOUN
ajis02-751	470	2	of	of	ADP
ajis02-751	470	3	consumer	consumer	NOUN
ajis02-751	470	4	research	research	NOUN
ajis02-751	470	5	,	,	PUNCT
ajis02-751	470	6	25	25	NUM
ajis02-751	470	7	(	(	PUNCT
ajis02-751	470	8	2	2	NUM
ajis02-751	470	9	)	)	PUNCT
ajis02-751	470	10	,	,	PUNCT
ajis02-751	470	11	123	123	NUM
ajis02-751	470	12	-	-	SYM
ajis02-751	470	13	143	143	NUM
ajis02-751	470	14	.	.	PUNCT
ajis02-751	471	1	moore	moore	PROPN
ajis02-751	471	2	,	,	PUNCT
ajis02-751	471	3	g.	g.	PROPN
ajis02-751	471	4	c.	c.	PROPN
ajis02-751	471	5	&	&	CCONJ
ajis02-751	471	6	benbasat	benbasat	PROPN
ajis02-751	471	7	,	,	PUNCT
ajis02-751	471	8	i.	i.	NOUN
ajis02-751	471	9	1991	1991	NUM
ajis02-751	471	10	,	,	PUNCT
ajis02-751	471	11	development	development	NOUN
ajis02-751	471	12	of	of	ADP
ajis02-751	471	13	an	an	DET
ajis02-751	471	14	instrument	instrument	NOUN
ajis02-751	471	15	to	to	PART
ajis02-751	471	16	measure	measure	VERB
ajis02-751	471	17	the	the	DET
ajis02-751	471	18	perceptions	perception	NOUN
ajis02-751	471	19	of	of	ADP
ajis02-751	471	20	adopting	adopt	VERB
ajis02-751	471	21	an	an	DET
ajis02-751	471	22	information	information	NOUN
ajis02-751	471	23	technology	technology	NOUN
ajis02-751	471	24	.	.	PUNCT
ajis02-751	472	1	information	information	NOUN
ajis02-751	472	2	systems	system	NOUN
ajis02-751	472	3	research	research	NOUN
ajis02-751	472	4	,	,	PUNCT
ajis02-751	472	5	2	2	NUM
ajis02-751	472	6	(	(	PUNCT
ajis02-751	472	7	3	3	NUM
ajis02-751	472	8	)	)	PUNCT
ajis02-751	472	9	,	,	PUNCT
ajis02-751	472	10	173	173	NUM
ajis02-751	472	11	-	-	SYM
ajis02-751	472	12	191	191	NUM
ajis02-751	472	13	.	.	PUNCT
ajis02-751	473	1	morrison	morrison	PROPN
ajis02-751	473	2	,	,	PUNCT
ajis02-751	473	3	p.	p.	PROPN
ajis02-751	473	4	d.	d.	PROPN
ajis02-751	473	5	&	&	CCONJ
ajis02-751	473	6	roberts	roberts	PROPN
ajis02-751	473	7	,	,	PUNCT
ajis02-751	473	8	j.	j.	PROPN
ajis02-751	473	9	h.	h.	PROPN
ajis02-751	473	10	1998	1998	NUM
ajis02-751	473	11	,	,	PUNCT
ajis02-751	473	12	matching	match	VERB
ajis02-751	473	13	electronic	electronic	ADJ
ajis02-751	473	14	distribution	distribution	NOUN
ajis02-751	473	15	channels	channel	NOUN
ajis02-751	473	16	to	to	ADP
ajis02-751	473	17	product	product	NOUN
ajis02-751	473	18	characteristics	characteristic	NOUN
ajis02-751	473	19	:	:	PUNCT
ajis02-751	473	20	the	the	DET
ajis02-751	473	21	role	role	NOUN
ajis02-751	473	22	of	of	ADP
ajis02-751	473	23	congruence	congruence	NOUN
ajis02-751	473	24	in	in	ADP
ajis02-751	473	25	consideration	consideration	NOUN
ajis02-751	473	26	set	set	NOUN
ajis02-751	473	27	formation	formation	NOUN
ajis02-751	473	28	.	.	PUNCT
ajis02-751	474	1	journal	journal	NOUN
ajis02-751	474	2	of	of	ADP
ajis02-751	474	3	business	business	NOUN
ajis02-751	474	4	research	research	NOUN
ajis02-751	474	5	,	,	PUNCT
ajis02-751	474	6	41	41	NUM
ajis02-751	474	7	(	(	PUNCT
ajis02-751	474	8	3	3	NUM
ajis02-751	474	9	)	)	PUNCT
ajis02-751	474	10	,	,	PUNCT
ajis02-751	474	11	223	223	NUM
ajis02-751	474	12	-	-	SYM
ajis02-751	474	13	229	229	NUM
ajis02-751	474	14	.	.	PUNCT
ajis02-751	475	1	ndubisi	ndubisi	PROPN
ajis02-751	475	2	,	,	PUNCT
ajis02-751	475	3	n.	n.	PROPN
ajis02-751	475	4	o.	o.	PROPN
ajis02-751	475	5	&	&	CCONJ
ajis02-751	475	6	sinti	sinti	PROPN
ajis02-751	475	7	,	,	PUNCT
ajis02-751	475	8	q.	q.	PROPN
ajis02-751	475	9	2006	2006	NUM
ajis02-751	475	10	,	,	PUNCT
ajis02-751	475	11	consumer	consumer	NOUN
ajis02-751	475	12	attitudes	attitude	NOUN
ajis02-751	475	13	,	,	PUNCT
ajis02-751	475	14	system	system	NOUN
ajis02-751	475	15	’s	’s	PART
ajis02-751	475	16	characteristics	characteristic	NOUN
ajis02-751	475	17	and	and	CCONJ
ajis02-751	475	18	internet	internet	NOUN
ajis02-751	475	19	banking	banking	NOUN
ajis02-751	475	20	adoption	adoption	NOUN
ajis02-751	475	21	in	in	ADP
ajis02-751	475	22	malaysia	malaysia	PROPN
ajis02-751	475	23	.	.	PUNCT
ajis02-751	476	1	management	management	NOUN
ajis02-751	476	2	research	research	NOUN
ajis02-751	476	3	news	news	NOUN
ajis02-751	476	4	,	,	PUNCT
ajis02-751	476	5	29	29	NUM
ajis02-751	476	6	(	(	PUNCT
ajis02-751	476	7	1/2	1/2	NUM
ajis02-751	476	8	)	)	PUNCT
ajis02-751	476	9	,	,	PUNCT
ajis02-751	476	10	16	16	NUM
ajis02-751	476	11	-	-	SYM
ajis02-751	476	12	27	27	NUM
ajis02-751	476	13	.	.	PUNCT
ajis02-751	477	1	oliver	oliver	PROPN
ajis02-751	477	2	,	,	PUNCT
ajis02-751	477	3	r.	r.	PROPN
ajis02-751	477	4	l	l	PROPN
ajis02-751	477	5	&	&	CCONJ
ajis02-751	477	6	desarbo	desarbo	PROPN
ajis02-751	477	7	,	,	PUNCT
ajis02-751	477	8	w.	w.	PROPN
ajis02-751	477	9	s.	s.	PROPN
ajis02-751	477	10	1988	1988	NUM
ajis02-751	477	11	,	,	PUNCT
ajis02-751	477	12	response	response	NOUN
ajis02-751	477	13	determinants	determinant	NOUN
ajis02-751	477	14	in	in	ADP
ajis02-751	477	15	satisfaction	satisfaction	NOUN
ajis02-751	477	16	judgments	judgment	NOUN
ajis02-751	477	17	.	.	PUNCT
ajis02-751	478	1	journal	journal	NOUN
ajis02-751	478	2	of	of	ADP
ajis02-751	478	3	consumer	consumer	NOUN
ajis02-751	478	4	research	research	NOUN
ajis02-751	478	5	,	,	PUNCT
ajis02-751	478	6	14	14	NUM
ajis02-751	478	7	,	,	PUNCT
ajis02-751	478	8	495	495	NUM
ajis02-751	478	9	-	-	SYM
ajis02-751	478	10	508	508	NUM
ajis02-751	478	11	.	.	PUNCT
ajis02-751	479	1	parasuraman	parasuraman	NOUN
ajis02-751	479	2	,	,	PUNCT
ajis02-751	479	3	a.	a.	NOUN
ajis02-751	479	4	1997	1997	NUM
ajis02-751	479	5	,	,	PUNCT
ajis02-751	479	6	reflections	reflection	NOUN
ajis02-751	479	7	on	on	ADP
ajis02-751	479	8	gaining	gain	VERB
ajis02-751	479	9	competitive	competitive	ADJ
ajis02-751	479	10	advantage	advantage	NOUN
ajis02-751	479	11	through	through	ADP
ajis02-751	479	12	customer	customer	NOUN
ajis02-751	479	13	value	value	NOUN
ajis02-751	479	14	.	.	PUNCT
ajis02-751	480	1	journal	journal	NOUN
ajis02-751	480	2	of	of	ADP
ajis02-751	480	3	the	the	DET
ajis02-751	480	4	academy	academy	NOUN
ajis02-751	480	5	of	of	ADP
ajis02-751	480	6	marketing	marketing	NOUN
ajis02-751	480	7	science	science	NOUN
ajis02-751	480	8	,	,	PUNCT
ajis02-751	480	9	25	25	NUM
ajis02-751	480	10	(	(	PUNCT
ajis02-751	480	11	2	2	NUM
ajis02-751	480	12	)	)	PUNCT
ajis02-751	480	13	,	,	PUNCT
ajis02-751	480	14	154	154	NUM
ajis02-751	480	15	-	-	SYM
ajis02-751	480	16	161	161	NUM
ajis02-751	480	17	.	.	PUNCT
ajis02-751	481	1	parasuraman	parasuraman	NOUN
ajis02-751	481	2	,	,	PUNCT
ajis02-751	481	3	a.	a.	NOUN
ajis02-751	481	4	2000	2000	NUM
ajis02-751	481	5	,	,	PUNCT
ajis02-751	481	6	technology	technology	NOUN
ajis02-751	481	7	readiness	readiness	NOUN
ajis02-751	481	8	index	index	NOUN
ajis02-751	481	9	(	(	PUNCT
ajis02-751	481	10	tri	tri	NOUN
ajis02-751	481	11	):	):	PUNCT
ajis02-751	481	12	a	a	DET
ajis02-751	481	13	multiple	multiple	ADJ
ajis02-751	481	14	-	-	PUNCT
ajis02-751	481	15	item	item	NOUN
ajis02-751	481	16	scale	scale	NOUN
ajis02-751	481	17	to	to	PART
ajis02-751	481	18	measure	measure	VERB
ajis02-751	481	19	readiness	readiness	NOUN
ajis02-751	481	20	to	to	PART
ajis02-751	481	21	embrace	embrace	VERB
ajis02-751	481	22	new	new	ADJ
ajis02-751	481	23	technologies	technology	NOUN
ajis02-751	481	24	.	.	PUNCT
ajis02-751	482	1	journal	journal	NOUN
ajis02-751	482	2	of	of	ADP
ajis02-751	482	3	service	service	NOUN
ajis02-751	482	4	research	research	NOUN
ajis02-751	482	5	,	,	PUNCT
ajis02-751	482	6	2	2	NUM
ajis02-751	482	7	(	(	PUNCT
ajis02-751	482	8	4	4	NUM
ajis02-751	482	9	)	)	PUNCT
ajis02-751	482	10	,	,	PUNCT
ajis02-751	482	11	307	307	NUM
ajis02-751	482	12	-	-	SYM
ajis02-751	482	13	320	320	NUM
ajis02-751	482	14	.	.	PUNCT
ajis02-751	483	1	petrick	petrick	PROPN
ajis02-751	483	2	,	,	PUNCT
ajis02-751	483	3	j.	j.	PROPN
ajis02-751	483	4	f.	f.	PROPN
ajis02-751	483	5	2002	2002	PROPN
ajis02-751	483	6	,	,	PUNCT
ajis02-751	483	7	development	development	NOUN
ajis02-751	483	8	of	of	ADP
ajis02-751	483	9	a	a	DET
ajis02-751	483	10	multi	multi	ADJ
ajis02-751	483	11	-	-	ADJ
ajis02-751	483	12	dimensional	dimensional	ADJ
ajis02-751	483	13	scale	scale	NOUN
ajis02-751	483	14	for	for	ADP
ajis02-751	483	15	measuring	measure	VERB
ajis02-751	483	16	the	the	DET
ajis02-751	483	17	perceived	perceive	VERB
ajis02-751	483	18	value	value	NOUN
ajis02-751	483	19	of	of	ADP
ajis02-751	483	20	service	service	NOUN
ajis02-751	483	21	.	.	PUNCT
ajis02-751	484	1	journal	journal	PROPN
ajis02-751	484	2	of	of	ADP
ajis02-751	484	3	leisure	leisure	PROPN
ajis02-751	484	4	research	research	NOUN
ajis02-751	484	5	,	,	PUNCT
ajis02-751	484	6	34	34	NUM
ajis02-751	484	7	(	(	PUNCT
ajis02-751	484	8	2	2	NUM
ajis02-751	484	9	)	)	PUNCT
ajis02-751	484	10	,	,	PUNCT
ajis02-751	484	11	119	119	NUM
ajis02-751	484	12	-	-	SYM
ajis02-751	484	13	134	134	NUM
ajis02-751	484	14	.	.	PUNCT
ajis02-751	485	1	reid	reid	PROPN
ajis02-751	485	2	,	,	PUNCT
ajis02-751	485	3	m.	m.	NOUN
ajis02-751	485	4	&	&	CCONJ
ajis02-751	485	5	levy	levy	PROPN
ajis02-751	485	6	,	,	PUNCT
ajis02-751	485	7	y.	y.	PROPN
ajis02-751	485	8	2008	2008	NUM
ajis02-751	485	9	,	,	PUNCT
ajis02-751	485	10	integrating	integrate	VERB
ajis02-751	485	11	trust	trust	NOUN
ajis02-751	485	12	and	and	CCONJ
ajis02-751	485	13	computer	computer	NOUN
ajis02-751	485	14	self	self	NOUN
ajis02-751	485	15	-	-	PUNCT
ajis02-751	485	16	efficacy	efficacy	NOUN
ajis02-751	485	17	with	with	ADP
ajis02-751	485	18	technology	technology	NOUN
ajis02-751	485	19	acceptance	acceptance	NOUN
ajis02-751	485	20	model	model	NOUN
ajis02-751	485	21	:	:	PUNCT
ajis02-751	485	22	an	an	DET
ajis02-751	485	23	empirical	empirical	ADJ
ajis02-751	485	24	assessment	assessment	NOUN
ajis02-751	485	25	of	of	ADP
ajis02-751	485	26	customers	customer	NOUN
ajis02-751	485	27	’	'	PUNCT
ajis02-751	485	28	acceptance	acceptance	NOUN
ajis02-751	485	29	of	of	ADP
ajis02-751	485	30	banking	banking	NOUN
ajis02-751	485	31	information	information	NOUN
ajis02-751	485	32	systems	system	NOUN
ajis02-751	485	33	(	(	PUNCT
ajis02-751	485	34	bis	bis	ADJ
ajis02-751	485	35	)	)	PUNCT
ajis02-751	485	36	in	in	ADP
ajis02-751	485	37	jamaica	jamaica	PROPN
ajis02-751	485	38	.	.	PUNCT
ajis02-751	486	1	journal	journal	PROPN
ajis02-751	486	2	of	of	ADP
ajis02-751	486	3	internet	internet	NOUN
ajis02-751	486	4	banking	banking	NOUN
ajis02-751	486	5	and	and	CCONJ
ajis02-751	486	6	commerce	commerce	PROPN
ajis02-751	486	7	,	,	PUNCT
ajis02-751	486	8	12	12	NUM
ajis02-751	486	9	(	(	PUNCT
ajis02-751	486	10	3	3	NUM
ajis02-751	486	11	)	)	PUNCT
ajis02-751	486	12	.	.	PUNCT
ajis02-751	487	1	retrieved	retrieve	VERB
ajis02-751	487	2	15	15	NUM
ajis02-751	487	3	th	th	NUM
ajis02-751	487	4	april	april	PROPN
ajis02-751	487	5	,	,	PUNCT
ajis02-751	487	6	2009	2009	NUM
ajis02-751	487	7	,	,	PUNCT
ajis02-751	487	8	from	from	ADP
ajis02-751	487	9	www.arraydev.com/commerce/jibc	www.arraydev.com/commerce/jibc	PROPN
ajis02-751	487	10	rhee	rhee	PROPN
ajis02-751	487	11	,	,	PUNCT
ajis02-751	487	12	h.	h.	PROPN
ajis02-751	487	13	s.	s.	PROPN
ajis02-751	487	14	&	&	CCONJ
ajis02-751	487	15	riggins	riggins	PROPN
ajis02-751	487	16	,	,	PUNCT
ajis02-751	487	17	f.	f.	PROPN
ajis02-751	487	18	1999	1999	NUM
ajis02-751	487	19	,	,	PUNCT
ajis02-751	487	20	gvu	gvu	PROPN
ajis02-751	487	21	’s	’s	PROPN
ajis02-751	487	22	www	www	PROPN
ajis02-751	487	23	user	user	NOUN
ajis02-751	487	24	surveys	survey	NOUN
ajis02-751	487	25	:	:	PUNCT
ajis02-751	487	26	high	high	ADJ
ajis02-751	487	27	level	level	NOUN
ajis02-751	487	28	summary	summary	NOUN
ajis02-751	487	29	of	of	ADP
ajis02-751	487	30	internet	internet	NOUN
ajis02-751	487	31	banking	banking	NOUN
ajis02-751	487	32	survey	survey	NOUN
ajis02-751	487	33	.	.	PUNCT
ajis02-751	488	1	retrieved	retrieve	VERB
ajis02-751	488	2	10	10	NUM
ajis02-751	488	3	th	th	NOUN
ajis02-751	488	4	december	december	PROPN
ajis02-751	488	5	,	,	PUNCT
ajis02-751	488	6	2009	2009	NUM
ajis02-751	488	7	,	,	PUNCT
ajis02-751	488	8	from	from	ADP
ajis02-751	488	9	www.gvu.gatech.edu/user-survey/survey-199704/graphs/banking/report.html	www.gvu.gatech.edu/user-survey/survey-199704/graphs/banking/report.html	PROPN
ajis02-751	488	10	rugimbana	rugimbana	PROPN
ajis02-751	488	11	,	,	PUNCT
ajis02-751	488	12	r.	r.	PROPN
ajis02-751	488	13	1995	1995	NUM
ajis02-751	488	14	,	,	PUNCT
ajis02-751	488	15	predicting	predict	VERB
ajis02-751	488	16	automated	automated	ADJ
ajis02-751	488	17	teller	teller	NOUN
ajis02-751	488	18	machine	machine	NOUN
ajis02-751	488	19	usage	usage	NOUN
ajis02-751	488	20	:	:	PUNCT
ajis02-751	488	21	the	the	DET
ajis02-751	488	22	relative	relative	ADJ
ajis02-751	488	23	importance	importance	NOUN
ajis02-751	488	24	of	of	ADP
ajis02-751	488	25	perceptual	perceptual	ADJ
ajis02-751	488	26	and	and	CCONJ
ajis02-751	488	27	demographic	demographic	ADJ
ajis02-751	488	28	factors	factor	NOUN
ajis02-751	488	29	.	.	PUNCT
ajis02-751	489	1	international	international	ADJ
ajis02-751	489	2	journal	journal	PROPN
ajis02-751	489	3	of	of	ADP
ajis02-751	489	4	bank	bank	PROPN
ajis02-751	489	5	marketing	marketing	NOUN
ajis02-751	489	6	,	,	PUNCT
ajis02-751	489	7	13	13	NUM
ajis02-751	489	8	(	(	PUNCT
ajis02-751	489	9	4	4	NUM
ajis02-751	489	10	)	)	PUNCT
ajis02-751	489	11	,	,	PUNCT
ajis02-751	489	12	26	26	NUM
ajis02-751	489	13	-	-	SYM
ajis02-751	489	14	32	32	NUM
ajis02-751	489	15	.	.	PUNCT
ajis02-751	490	1	rust	rust	NOUN
ajis02-751	490	2	,	,	PUNCT
ajis02-751	490	3	r.	r.	PROPN
ajis02-751	490	4	t.	t.	PROPN
ajis02-751	490	5	&	&	CCONJ
ajis02-751	490	6	espinoza	espinoza	PROPN
ajis02-751	490	7	,	,	PUNCT
ajis02-751	490	8	f.	f.	PROPN
ajis02-751	490	9	2006	2006	NUM
ajis02-751	490	10	,	,	PUNCT
ajis02-751	490	11	how	how	SCONJ
ajis02-751	490	12	technology	technology	NOUN
ajis02-751	490	13	advances	advance	VERB
ajis02-751	490	14	influence	influence	NOUN
ajis02-751	490	15	business	business	NOUN
ajis02-751	490	16	research	research	NOUN
ajis02-751	490	17	and	and	CCONJ
ajis02-751	490	18	marketing	marketing	NOUN
ajis02-751	490	19	strategy	strategy	NOUN
ajis02-751	490	20	.	.	PUNCT
ajis02-751	491	1	journal	journal	NOUN
ajis02-751	491	2	of	of	ADP
ajis02-751	491	3	business	business	NOUN
ajis02-751	491	4	research	research	NOUN
ajis02-751	491	5	,	,	PUNCT
ajis02-751	491	6	59	59	NUM
ajis02-751	491	7	,	,	PUNCT
ajis02-751	491	8	1072	1072	NUM
ajis02-751	491	9	-	-	SYM
ajis02-751	491	10	1078	1078	NUM
ajis02-751	491	11	.	.	PUNCT
ajis02-751	492	1	shih	shih	NOUN
ajis02-751	492	2	,	,	PUNCT
ajis02-751	492	3	y.	y.	PROPN
ajis02-751	492	4	&	&	CCONJ
ajis02-751	492	5	fang	fang	PROPN
ajis02-751	492	6	,	,	PUNCT
ajis02-751	492	7	k.	k.	PROPN
ajis02-751	492	8	2004	2004	NUM
ajis02-751	492	9	,	,	PUNCT
ajis02-751	492	10	the	the	DET
ajis02-751	492	11	use	use	NOUN
ajis02-751	492	12	of	of	ADP
ajis02-751	492	13	decomposed	decompose	VERB
ajis02-751	492	14	theory	theory	NOUN
ajis02-751	492	15	of	of	ADP
ajis02-751	492	16	planned	plan	VERB
ajis02-751	492	17	behaviour	behaviour	NOUN
ajis02-751	492	18	to	to	PART
ajis02-751	492	19	study	study	VERB
ajis02-751	492	20	internet	internet	NOUN
ajis02-751	492	21	banking	banking	NOUN
ajis02-751	492	22	in	in	ADP
ajis02-751	492	23	taiwan	taiwan	PROPN
ajis02-751	492	24	.	.	PUNCT
ajis02-751	493	1	internet	internet	NOUN
ajis02-751	493	2	research	research	NOUN
ajis02-751	493	3	,	,	PUNCT
ajis02-751	493	4	14	14	NUM
ajis02-751	493	5	(	(	PUNCT
ajis02-751	493	6	3	3	NUM
ajis02-751	493	7	)	)	PUNCT
ajis02-751	493	8	,	,	PUNCT
ajis02-751	493	9	213	213	NUM
ajis02-751	493	10	-	-	SYM
ajis02-751	493	11	223	223	NUM
ajis02-751	493	12	.	.	PUNCT
ajis02-751	494	1	spss	spss	PROPN
ajis02-751	494	2	.	.	PUNCT
ajis02-751	494	3	2008	2008	NUM
ajis02-751	494	4	,	,	PUNCT
ajis02-751	494	5	spss	spss	VERB
ajis02-751	494	6	17.0.1	17.0.1	PROPN
ajis02-751	494	7	for	for	ADP
ajis02-751	494	8	windows	window	NOUN
ajis02-751	494	9	.	.	PUNCT
ajis02-751	495	1	spss	spss	PROPN
ajis02-751	495	2	inc	inc	PROPN
ajis02-751	495	3	.	.	PROPN
ajis02-751	495	4	,	,	PUNCT
ajis02-751	495	5	chicago	chicago	PROPN
ajis02-751	495	6	,	,	PUNCT
ajis02-751	495	7	illinois	illinois	PROPN
ajis02-751	495	8	.	.	PUNCT
ajis02-751	496	1	http://www.arraydev.com/commerce/jibc	http://www.arraydev.com/commerce/jibc	PROPN
ajis02-751	496	2	http://www.gvu.gatech.edu/user-survey/survey-1997-04/graphs/banking/report.html	http://www.gvu.gatech.edu/user-survey/survey-1997-04/graphs/banking/report.html	PRON
ajis02-751	496	3	http://www.gvu.gatech.edu/user-survey/survey-1997-04/graphs/banking/report.html	http://www.gvu.gatech.edu/user-survey/survey-1997-04/graphs/banking/report.html	PROPN
ajis02-751	496	4	australasian	australasian	ADJ
ajis02-751	496	5	journal	journal	NOUN
ajis02-751	496	6	of	of	ADP
ajis02-751	496	7	information	information	NOUN
ajis02-751	496	8	systems	system	NOUN
ajis02-751	496	9	volume	volume	NOUN
ajis02-751	496	10	18	18	NUM
ajis02-751	496	11	number1	number1	NOUN
ajis02-751	496	12	2013	2013	NUM
ajis02-751	496	13	30	30	NUM
ajis02-751	496	14	srinivasan	srinivasan	NOUN
ajis02-751	496	15	,	,	PUNCT
ajis02-751	496	16	s.	s.	PROPN
ajis02-751	496	17	s.	s.	PROPN
ajis02-751	496	18	,	,	PUNCT
ajis02-751	496	19	anderson	anderson	PROPN
ajis02-751	496	20	,	,	PUNCT
ajis02-751	496	21	r.	r.	PROPN
ajis02-751	496	22	&	&	CCONJ
ajis02-751	496	23	ponnavolu	ponnavolu	PROPN
ajis02-751	496	24	,	,	PUNCT
ajis02-751	496	25	k.	k.	PROPN
ajis02-751	496	26	2002	2002	NUM
ajis02-751	496	27	,	,	PUNCT
ajis02-751	496	28	customer	customer	NOUN
ajis02-751	496	29	loyalty	loyalty	NOUN
ajis02-751	496	30	in	in	ADP
ajis02-751	496	31	e	e	NOUN
ajis02-751	496	32	-	-	NOUN
ajis02-751	496	33	commerce	commerce	NOUN
ajis02-751	496	34	:	:	PUNCT
ajis02-751	496	35	an	an	DET
ajis02-751	496	36	exploration	exploration	NOUN
ajis02-751	496	37	of	of	ADP
ajis02-751	496	38	its	its	PRON
ajis02-751	496	39	antecedents	antecedent	NOUN
ajis02-751	496	40	and	and	CCONJ
ajis02-751	496	41	consequences	consequence	NOUN
ajis02-751	496	42	.	.	PUNCT
ajis02-751	497	1	journal	journal	NOUN
ajis02-751	497	2	of	of	ADP
ajis02-751	497	3	retailing	retailing	NOUN
ajis02-751	497	4	,	,	PUNCT
ajis02-751	497	5	78	78	NUM
ajis02-751	497	6	(	(	PUNCT
ajis02-751	497	7	1	1	NUM
ajis02-751	497	8	)	)	PUNCT
ajis02-751	497	9	,	,	PUNCT
ajis02-751	497	10	41	41	NUM
ajis02-751	497	11	-	-	SYM
ajis02-751	497	12	50	50	NUM
ajis02-751	497	13	.	.	PUNCT
ajis02-751	498	1	straub	straub	PROPN
ajis02-751	498	2	,	,	PUNCT
ajis02-751	498	3	d.	d.	PROPN
ajis02-751	498	4	,	,	PUNCT
ajis02-751	498	5	limayem	limayem	PROPN
ajis02-751	498	6	,	,	PUNCT
ajis02-751	498	7	m.	m.	NOUN
ajis02-751	498	8	&	&	CCONJ
ajis02-751	498	9	karahanna	karahanna	PROPN
ajis02-751	498	10	-	-	PUNCT
ajis02-751	498	11	evaristo	evaristo	PROPN
ajis02-751	498	12	,	,	PUNCT
ajis02-751	498	13	e.	e.	PROPN
ajis02-751	498	14	1995	1995	NUM
ajis02-751	498	15	,	,	PUNCT
ajis02-751	498	16	measuring	measure	VERB
ajis02-751	498	17	system	system	NOUN
ajis02-751	498	18	usage	usage	NOUN
ajis02-751	498	19	:	:	PUNCT
ajis02-751	498	20	implications	implication	NOUN
ajis02-751	498	21	for	for	ADP
ajis02-751	498	22	is	be	AUX
ajis02-751	498	23	theory	theory	NOUN
ajis02-751	498	24	testing	testing	NOUN
ajis02-751	498	25	.	.	PUNCT
ajis02-751	499	1	management	management	NOUN
ajis02-751	499	2	science	science	NOUN
ajis02-751	499	3	,	,	PUNCT
ajis02-751	499	4	41	41	NUM
ajis02-751	499	5	,	,	PUNCT
ajis02-751	499	6	1328	1328	NUM
ajis02-751	499	7	-	-	SYM
ajis02-751	499	8	1342	1342	NUM
ajis02-751	499	9	.	.	PUNCT
ajis02-751	500	1	sweeney	sweeney	PROPN
ajis02-751	500	2	,	,	PUNCT
ajis02-751	500	3	j.	j.	PROPN
ajis02-751	500	4	c.	c.	PROPN
ajis02-751	500	5	&	&	CCONJ
ajis02-751	500	6	soutar	soutar	PROPN
ajis02-751	500	7	,	,	PUNCT
ajis02-751	500	8	g.	g.	PROPN
ajis02-751	500	9	2001	2001	NUM
ajis02-751	500	10	,	,	PUNCT
ajis02-751	500	11	consumer	consumer	NOUN
ajis02-751	500	12	perceived	perceive	VERB
ajis02-751	500	13	value	value	NOUN
ajis02-751	500	14	:	:	PUNCT
ajis02-751	500	15	the	the	DET
ajis02-751	500	16	development	development	NOUN
ajis02-751	500	17	of	of	ADP
ajis02-751	500	18	multiple	multiple	ADJ
ajis02-751	500	19	item	item	NOUN
ajis02-751	500	20	scale	scale	NOUN
ajis02-751	500	21	.	.	PUNCT
ajis02-751	501	1	journal	journal	NOUN
ajis02-751	501	2	of	of	ADP
ajis02-751	501	3	retailing	retailing	NOUN
ajis02-751	501	4	,	,	PUNCT
ajis02-751	501	5	77	77	NUM
ajis02-751	501	6	(	(	PUNCT
ajis02-751	501	7	2	2	NUM
ajis02-751	501	8	)	)	PUNCT
ajis02-751	501	9	,	,	PUNCT
ajis02-751	501	10	203	203	NUM
ajis02-751	501	11	-	-	SYM
ajis02-751	501	12	220	220	NUM
ajis02-751	501	13	.	.	PUNCT
ajis02-751	502	1	tan	tan	PROPN
ajis02-751	502	2	,	,	PUNCT
ajis02-751	502	3	m.	m.	NOUN
ajis02-751	502	4	&	&	CCONJ
ajis02-751	502	5	teo	teo	PROPN
ajis02-751	502	6	,	,	PUNCT
ajis02-751	502	7	t.	t.	PROPN
ajis02-751	502	8	s.	s.	PROPN
ajis02-751	502	9	h.	h.	PROPN
ajis02-751	502	10	2000	2000	NUM
ajis02-751	502	11	,	,	PUNCT
ajis02-751	502	12	factors	factor	NOUN
ajis02-751	502	13	influencing	influence	VERB
ajis02-751	502	14	the	the	DET
ajis02-751	502	15	adoption	adoption	NOUN
ajis02-751	502	16	of	of	ADP
ajis02-751	502	17	internet	internet	NOUN
ajis02-751	502	18	banking	banking	NOUN
ajis02-751	502	19	.	.	PUNCT
ajis02-751	503	1	journal	journal	PROPN
ajis02-751	503	2	of	of	ADP
ajis02-751	503	3	the	the	DET
ajis02-751	503	4	association	association	NOUN
ajis02-751	503	5	for	for	ADP
ajis02-751	503	6	information	information	NOUN
ajis02-751	503	7	systems	system	NOUN
ajis02-751	503	8	,	,	PUNCT
ajis02-751	503	9	1	1	NUM
ajis02-751	503	10	,	,	PUNCT
ajis02-751	503	11	1	1	NUM
ajis02-751	503	12	-	-	SYM
ajis02-751	503	13	42	42	NUM
ajis02-751	503	14	.	.	PUNCT
ajis02-751	504	1	taylor	taylor	PROPN
ajis02-751	504	2	,	,	PUNCT
ajis02-751	504	3	s.	s.	PROPN
ajis02-751	504	4	&	&	CCONJ
ajis02-751	504	5	todd	todd	PROPN
ajis02-751	504	6	,	,	PUNCT
ajis02-751	504	7	p.	p.	NOUN
ajis02-751	504	8	a.	a.	NOUN
ajis02-751	504	9	1995	1995	NUM
ajis02-751	504	10	,	,	PUNCT
ajis02-751	504	11	understanding	understand	VERB
ajis02-751	504	12	information	information	NOUN
ajis02-751	504	13	technology	technology	NOUN
ajis02-751	504	14	usage	usage	NOUN
ajis02-751	504	15	:	:	PUNCT
ajis02-751	504	16	a	a	DET
ajis02-751	504	17	test	test	NOUN
ajis02-751	504	18	of	of	ADP
ajis02-751	504	19	competing	compete	VERB
ajis02-751	504	20	models	model	NOUN
ajis02-751	504	21	.	.	PUNCT
ajis02-751	505	1	information	information	NOUN
ajis02-751	505	2	systems	system	NOUN
ajis02-751	505	3	research	research	NOUN
ajis02-751	505	4	,	,	PUNCT
ajis02-751	505	5	6	6	NUM
ajis02-751	505	6	(	(	PUNCT
ajis02-751	505	7	2	2	NUM
ajis02-751	505	8	)	)	PUNCT
ajis02-751	505	9	,	,	PUNCT
ajis02-751	505	10	144	144	NUM
ajis02-751	505	11	-	-	SYM
ajis02-751	505	12	176	176	NUM
ajis02-751	505	13	.	.	PUNCT
ajis02-751	506	1	thomas	thomas	PROPN
ajis02-751	506	2	,	,	PUNCT
ajis02-751	506	3	j.	j.	PROPN
ajis02-751	506	4	&	&	CCONJ
ajis02-751	506	5	sullivan	sullivan	PROPN
ajis02-751	506	6	,	,	PUNCT
ajis02-751	506	7	u.	u.	PROPN
ajis02-751	506	8	2005	2005	NUM
ajis02-751	506	9	,	,	PUNCT
ajis02-751	506	10	managing	manage	VERB
ajis02-751	506	11	marketing	marketing	NOUN
ajis02-751	506	12	communications	communication	NOUN
ajis02-751	506	13	with	with	ADP
ajis02-751	506	14	multichannel	multichannel	ADJ
ajis02-751	506	15	customers	customer	NOUN
ajis02-751	506	16	.	.	PUNCT
ajis02-751	507	1	journal	journal	NOUN
ajis02-751	507	2	of	of	ADP
ajis02-751	507	3	marketing	marketing	NOUN
ajis02-751	507	4	(	(	PUNCT
ajis02-751	507	5	october	october	PROPN
ajis02-751	507	6	)	)	PUNCT
ajis02-751	507	7	,	,	PUNCT
ajis02-751	507	8	239	239	NUM
ajis02-751	507	9	-	-	SYM
ajis02-751	507	10	251	251	NUM
ajis02-751	507	11	.	.	PUNCT
ajis02-751	508	1	thornton	thornton	PROPN
ajis02-751	508	2	,	,	PUNCT
ajis02-751	508	3	t.	t.	PROPN
ajis02-751	508	4	&	&	CCONJ
ajis02-751	508	5	white	white	PROPN
ajis02-751	508	6	,	,	PUNCT
ajis02-751	508	7	l.	l.	PROPN
ajis02-751	508	8	2001	2001	NUM
ajis02-751	508	9	,	,	PUNCT
ajis02-751	508	10	customer	customer	NOUN
ajis02-751	508	11	orientations	orientation	NOUN
ajis02-751	508	12	and	and	CCONJ
ajis02-751	508	13	usage	usage	NOUN
ajis02-751	508	14	of	of	ADP
ajis02-751	508	15	financial	financial	ADJ
ajis02-751	508	16	distribution	distribution	NOUN
ajis02-751	508	17	channels	channel	NOUN
ajis02-751	508	18	.	.	PUNCT
ajis02-751	509	1	journal	journal	PROPN
ajis02-751	509	2	of	of	ADP
ajis02-751	509	3	services	service	NOUN
ajis02-751	509	4	marketing	marketing	NOUN
ajis02-751	509	5	,	,	PUNCT
ajis02-751	509	6	15	15	NUM
ajis02-751	509	7	(	(	PUNCT
ajis02-751	509	8	3	3	NUM
ajis02-751	509	9	)	)	PUNCT
ajis02-751	509	10	,	,	PUNCT
ajis02-751	509	11	168	168	NUM
ajis02-751	509	12	-	-	SYM
ajis02-751	509	13	184	184	NUM
ajis02-751	509	14	.	.	PUNCT
ajis02-751	510	1	tzokas	tzokas	PROPN
ajis02-751	510	2	,	,	PUNCT
ajis02-751	510	3	n.	n.	PROPN
ajis02-751	510	4	&	&	CCONJ
ajis02-751	510	5	saren	saren	PROPN
ajis02-751	510	6	,	,	PUNCT
ajis02-751	510	7	m.	m.	NOUN
ajis02-751	510	8	1999	1999	NUM
ajis02-751	510	9	,	,	PUNCT
ajis02-751	510	10	value	value	NOUN
ajis02-751	510	11	transformation	transformation	NOUN
ajis02-751	510	12	in	in	ADP
ajis02-751	510	13	relationship	relationship	NOUN
ajis02-751	510	14	marketing	marketing	NOUN
ajis02-751	510	15	.	.	PUNCT
ajis02-751	511	1	australasian	australasian	ADJ
ajis02-751	511	2	marketing	marketing	NOUN
ajis02-751	511	3	journal	journal	NOUN
ajis02-751	511	4	,	,	PUNCT
ajis02-751	511	5	7	7	NUM
ajis02-751	511	6	,	,	PUNCT
ajis02-751	511	7	52	52	NUM
ajis02-751	511	8	-	-	SYM
ajis02-751	511	9	62	62	NUM
ajis02-751	511	10	.	.	PUNCT
ajis02-751	512	1	unnithan	unnithan	PROPN
ajis02-751	512	2	,	,	PUNCT
ajis02-751	512	3	c.	c.	PROPN
ajis02-751	512	4	r.	r.	PROPN
ajis02-751	512	5	&	&	CCONJ
ajis02-751	512	6	swatman	swatman	PROPN
ajis02-751	512	7	,	,	PUNCT
ajis02-751	512	8	p.	p.	PROPN
ajis02-751	512	9	m.	m.	PROPN
ajis02-751	512	10	c.	c.	PROPN
ajis02-751	512	11	2001	2001	NUM
ajis02-751	512	12	,	,	PUNCT
ajis02-751	512	13	ebanking	ebanke	VERB
ajis02-751	512	14	adaptation	adaptation	NOUN
ajis02-751	512	15	and	and	CCONJ
ajis02-751	512	16	dot.com	dot.com	ADJ
ajis02-751	512	17	viability	viability	NOUN
ajis02-751	512	18	–	–	PUNCT
ajis02-751	512	19	a	a	DET
ajis02-751	512	20	comparison	comparison	NOUN
ajis02-751	512	21	of	of	ADP
ajis02-751	512	22	australian	australian	ADJ
ajis02-751	512	23	and	and	CCONJ
ajis02-751	512	24	indian	indian	ADJ
ajis02-751	512	25	experiences	experience	NOUN
ajis02-751	512	26	in	in	ADP
ajis02-751	512	27	the	the	DET
ajis02-751	512	28	banking	banking	NOUN
ajis02-751	512	29	sector	sector	NOUN
ajis02-751	512	30	.	.	PUNCT
ajis02-751	513	1	proceedings	proceeding	NOUN
ajis02-751	513	2	of	of	ADP
ajis02-751	513	3	the	the	DET
ajis02-751	513	4	11	11	NUM
ajis02-751	513	5	th	th	NUM
ajis02-751	513	6	bit	bit	NOUN
ajis02-751	513	7	2001	2001	NUM
ajis02-751	513	8	conference	conference	NOUN
ajis02-751	513	9	,	,	PUNCT
ajis02-751	513	10	manchester	manchester	PROPN
ajis02-751	513	11	,	,	PUNCT
ajis02-751	513	12	uk	uk	PROPN
ajis02-751	513	13	.	.	PROPN
ajis02-751	513	14	venkatesh	venkatesh	PROPN
ajis02-751	513	15	,	,	PUNCT
ajis02-751	513	16	v.	v.	PROPN
ajis02-751	513	17	&	&	CCONJ
ajis02-751	513	18	davis	davis	PROPN
ajis02-751	513	19	,	,	PUNCT
ajis02-751	513	20	f.	f.	PROPN
ajis02-751	513	21	d.	d.	PROPN
ajis02-751	513	22	2000	2000	NUM
ajis02-751	513	23	,	,	PUNCT
ajis02-751	513	24	a	a	DET
ajis02-751	513	25	theoretical	theoretical	ADJ
ajis02-751	513	26	extension	extension	NOUN
ajis02-751	513	27	of	of	ADP
ajis02-751	513	28	the	the	DET
ajis02-751	513	29	technology	technology	NOUN
ajis02-751	513	30	acceptance	acceptance	NOUN
ajis02-751	513	31	model	model	NOUN
ajis02-751	513	32	:	:	PUNCT
ajis02-751	513	33	four	four	NUM
ajis02-751	513	34	longitudinal	longitudinal	ADJ
ajis02-751	513	35	studies	study	NOUN
ajis02-751	513	36	.	.	PUNCT
ajis02-751	514	1	management	management	NOUN
ajis02-751	514	2	science	science	NOUN
ajis02-751	514	3	,	,	PUNCT
ajis02-751	514	4	46	46	NUM
ajis02-751	514	5	(	(	PUNCT
ajis02-751	514	6	2	2	NUM
ajis02-751	514	7	)	)	PUNCT
ajis02-751	514	8	,	,	PUNCT
ajis02-751	514	9	186	186	NUM
ajis02-751	514	10	-	-	SYM
ajis02-751	514	11	204	204	NUM
ajis02-751	514	12	.	.	PUNCT
ajis02-751	515	1	venkatesh	venkatesh	PROPN
ajis02-751	515	2	,	,	PUNCT
ajis02-751	515	3	v.	v.	PROPN
ajis02-751	515	4	,	,	PUNCT
ajis02-751	515	5	morris	morris	PROPN
ajis02-751	515	6	,	,	PUNCT
ajis02-751	515	7	m.	m.	NOUN
ajis02-751	515	8	g.	g.	PROPN
ajis02-751	515	9	,	,	PUNCT
ajis02-751	515	10	davis	davis	PROPN
ajis02-751	515	11	,	,	PUNCT
ajis02-751	515	12	g.	g.	PROPN
ajis02-751	515	13	b.	b.	PROPN
ajis02-751	515	14	&	&	CCONJ
ajis02-751	515	15	davis	davis	PROPN
ajis02-751	515	16	,	,	PUNCT
ajis02-751	515	17	f.	f.	PROPN
ajis02-751	515	18	d.	d.	PROPN
ajis02-751	515	19	2003	2003	NUM
ajis02-751	515	20	,	,	PUNCT
ajis02-751	515	21	user	user	NOUN
ajis02-751	515	22	acceptance	acceptance	NOUN
ajis02-751	515	23	of	of	ADP
ajis02-751	515	24	information	information	NOUN
ajis02-751	515	25	technology	technology	NOUN
ajis02-751	515	26	:	:	PUNCT
ajis02-751	515	27	toward	toward	ADP
ajis02-751	515	28	a	a	DET
ajis02-751	515	29	unified	unified	ADJ
ajis02-751	515	30	view	view	NOUN
ajis02-751	515	31	.	.	PUNCT
ajis02-751	516	1	mis	mis	PROPN
ajis02-751	516	2	quarterly	quarterly	PROPN
ajis02-751	516	3	,	,	PUNCT
ajis02-751	516	4	27	27	NUM
ajis02-751	516	5	(	(	PUNCT
ajis02-751	516	6	3	3	NUM
ajis02-751	516	7	)	)	PUNCT
ajis02-751	516	8	,	,	PUNCT
ajis02-751	516	9	425	425	NUM
ajis02-751	516	10	-	-	SYM
ajis02-751	516	11	478	478	NUM
ajis02-751	516	12	.	.	PUNCT
ajis02-751	516	13	walker	walker	PROPN
ajis02-751	516	14	,	,	PUNCT
ajis02-751	516	15	r.	r.	PROPN
ajis02-751	516	16	h.	h.	PROPN
ajis02-751	516	17	&	&	CCONJ
ajis02-751	516	18	johnson	johnson	PROPN
ajis02-751	516	19	,	,	PUNCT
ajis02-751	516	20	c.	c.	PROPN
ajis02-751	516	21	w.	w.	PROPN
ajis02-751	516	22	2006	2006	NUM
ajis02-751	516	23	,	,	PUNCT
ajis02-751	516	24	why	why	SCONJ
ajis02-751	516	25	consumers	consumer	NOUN
ajis02-751	516	26	use	use	VERB
ajis02-751	516	27	and	and	CCONJ
ajis02-751	516	28	do	do	AUX
ajis02-751	516	29	not	not	PART
ajis02-751	516	30	use	use	VERB
ajis02-751	516	31	technology	technology	NOUN
ajis02-751	516	32	-	-	PUNCT
ajis02-751	516	33	enabled	enable	VERB
ajis02-751	516	34	services	service	NOUN
ajis02-751	516	35	.	.	PUNCT
ajis02-751	517	1	the	the	DET
ajis02-751	517	2	journal	journal	PROPN
ajis02-751	517	3	of	of	ADP
ajis02-751	517	4	services	service	NOUN
ajis02-751	517	5	marketing	marketing	NOUN
ajis02-751	517	6	,	,	PUNCT
ajis02-751	517	7	20	20	NUM
ajis02-751	517	8	(	(	PUNCT
ajis02-751	517	9	2	2	NUM
ajis02-751	517	10	)	)	PUNCT
ajis02-751	517	11	,	,	PUNCT
ajis02-751	517	12	125	125	NUM
ajis02-751	517	13	-	-	SYM
ajis02-751	517	14	135	135	NUM
ajis02-751	517	15	.	.	PUNCT
ajis02-751	517	16	walker	walker	PROPN
ajis02-751	517	17	,	,	PUNCT
ajis02-751	517	18	r.	r.	PROPN
ajis02-751	517	19	h.	h.	PROPN
ajis02-751	517	20	,	,	PUNCT
ajis02-751	517	21	craig	craig	PROPN
ajis02-751	517	22	-	-	PUNCT
ajis02-751	517	23	lees	lee	NOUN
ajis02-751	517	24	,	,	PUNCT
ajis02-751	517	25	m.	m.	NOUN
ajis02-751	517	26	,	,	PUNCT
ajis02-751	517	27	hecker	hecker	PROPN
ajis02-751	517	28	,	,	PUNCT
ajis02-751	517	29	r.	r.	PROPN
ajis02-751	517	30	&	&	CCONJ
ajis02-751	517	31	francis	francis	PROPN
ajis02-751	517	32	,	,	PUNCT
ajis02-751	517	33	h.	h.	PROPN
ajis02-751	517	34	2002	2002	NUM
ajis02-751	517	35	,	,	PUNCT
ajis02-751	517	36	technology	technology	NOUN
ajis02-751	517	37	-	-	PUNCT
ajis02-751	517	38	enabled	enable	VERB
ajis02-751	517	39	service	service	NOUN
ajis02-751	517	40	delivery	delivery	NOUN
ajis02-751	517	41	:	:	PUNCT
ajis02-751	517	42	an	an	DET
ajis02-751	517	43	investigation	investigation	NOUN
ajis02-751	517	44	of	of	ADP
ajis02-751	517	45	reasons	reason	NOUN
ajis02-751	517	46	affecting	affect	VERB
ajis02-751	517	47	customer	customer	NOUN
ajis02-751	517	48	adoption	adoption	NOUN
ajis02-751	517	49	and	and	CCONJ
ajis02-751	517	50	rejection	rejection	NOUN
ajis02-751	517	51	.	.	PUNCT
ajis02-751	518	1	international	international	ADJ
ajis02-751	518	2	journal	journal	NOUN
ajis02-751	518	3	of	of	ADP
ajis02-751	518	4	service	service	NOUN
ajis02-751	518	5	industry	industry	NOUN
ajis02-751	518	6	management	management	NOUN
ajis02-751	518	7	,	,	PUNCT
ajis02-751	518	8	13	13	NUM
ajis02-751	518	9	(	(	PUNCT
ajis02-751	518	10	1	1	NUM
ajis02-751	518	11	)	)	PUNCT
ajis02-751	518	12	,	,	PUNCT
ajis02-751	518	13	91	91	NUM
ajis02-751	518	14	-	-	SYM
ajis02-751	518	15	106	106	NUM
ajis02-751	518	16	.	.	PUNCT
ajis02-751	519	1	wilcox	wilcox	PROPN
ajis02-751	519	2	,	,	PUNCT
ajis02-751	519	3	r.	r.	PROPN
ajis02-751	519	4	r.	r.	PROPN
ajis02-751	519	5	1997	1997	NUM
ajis02-751	519	6	,	,	PUNCT
ajis02-751	519	7	some	some	DET
ajis02-751	519	8	practical	practical	ADJ
ajis02-751	519	9	reasons	reason	NOUN
ajis02-751	519	10	for	for	ADP
ajis02-751	519	11	reconsidering	reconsider	VERB
ajis02-751	519	12	the	the	DET
ajis02-751	519	13	kolmorogov	kolmorogov	ADJ
ajis02-751	519	14	-	-	PUNCT
ajis02-751	519	15	smirnov	smirnov	ADJ
ajis02-751	519	16	test	test	NOUN
ajis02-751	519	17	.	.	PUNCT
ajis02-751	520	1	british	british	ADJ
ajis02-751	520	2	journal	journal	PROPN
ajis02-751	520	3	of	of	ADP
ajis02-751	520	4	mathematical	mathematical	ADJ
ajis02-751	520	5	and	and	CCONJ
ajis02-751	520	6	statistical	statistical	ADJ
ajis02-751	520	7	psychology	psychology	NOUN
ajis02-751	520	8	,	,	PUNCT
ajis02-751	520	9	50(1	50(1	PROPN
ajis02-751	520	10	)	)	PUNCT
ajis02-751	520	11	,	,	PUNCT
ajis02-751	520	12	9	9	NUM
ajis02-751	520	13	-	-	SYM
ajis02-751	520	14	20	20	NUM
ajis02-751	520	15	.	.	PUNCT
ajis02-751	521	1	wresch	wresch	PROPN
ajis02-751	521	2	,	,	PUNCT
ajis02-751	521	3	w.	w.	PROPN
ajis02-751	521	4	&	&	CCONJ
ajis02-751	521	5	fraser	fraser	PROPN
ajis02-751	521	6	,	,	PUNCT
ajis02-751	521	7	s.	s.	PROPN
ajis02-751	521	8	2006	2006	NUM
ajis02-751	521	9	,	,	PUNCT
ajis02-751	521	10	managerial	managerial	ADJ
ajis02-751	521	11	strategies	strategy	NOUN
ajis02-751	521	12	used	use	VERB
ajis02-751	521	13	to	to	PART
ajis02-751	521	14	overcome	overcome	VERB
ajis02-751	521	15	technological	technological	ADJ
ajis02-751	521	16	hurdles	hurdle	NOUN
ajis02-751	521	17	:	:	PUNCT
ajis02-751	521	18	a	a	DET
ajis02-751	521	19	review	review	NOUN
ajis02-751	521	20	of	of	ADP
ajis02-751	521	21	e	e	NOUN
ajis02-751	521	22	-	-	NOUN
ajis02-751	521	23	commerce	commerce	NOUN
ajis02-751	521	24	efforts	effort	NOUN
ajis02-751	521	25	used	use	VERB
ajis02-751	521	26	by	by	ADP
ajis02-751	521	27	innovative	innovative	ADJ
ajis02-751	521	28	carribean	carribean	ADJ
ajis02-751	521	29	managers	manager	NOUN
ajis02-751	521	30	.	.	PUNCT
ajis02-751	522	1	journal	journal	NOUN
ajis02-751	522	2	of	of	ADP
ajis02-751	522	3	global	global	ADJ
ajis02-751	522	4	information	information	NOUN
ajis02-751	522	5	management	management	NOUN
ajis02-751	522	6	,	,	PUNCT
ajis02-751	522	7	14	14	NUM
ajis02-751	522	8	(	(	PUNCT
ajis02-751	522	9	3	3	NUM
ajis02-751	522	10	)	)	PUNCT
ajis02-751	522	11	,	,	PUNCT
ajis02-751	522	12	1	1	NUM
ajis02-751	522	13	-	-	SYM
ajis02-751	522	14	16	16	NUM
ajis02-751	522	15	.	.	PUNCT
ajis02-751	523	1	yang	yang	PROPN
ajis02-751	523	2	,	,	PUNCT
ajis02-751	523	3	z.	z.	PROPN
ajis02-751	523	4	&	&	CCONJ
ajis02-751	523	5	peterson	peterson	PROPN
ajis02-751	523	6	,	,	PUNCT
ajis02-751	523	7	r.	r.	PROPN
ajis02-751	523	8	t.	t.	PROPN
ajis02-751	523	9	2004	2004	PROPN
ajis02-751	523	10	,	,	PUNCT
ajis02-751	523	11	customer	customer	NOUN
ajis02-751	523	12	perceived	perceive	VERB
ajis02-751	523	13	value	value	NOUN
ajis02-751	523	14	,	,	PUNCT
ajis02-751	523	15	satisfaction	satisfaction	NOUN
ajis02-751	523	16	,	,	PUNCT
ajis02-751	523	17	and	and	CCONJ
ajis02-751	523	18	loyalty	loyalty	NOUN
ajis02-751	523	19	:	:	PUNCT
ajis02-751	523	20	the	the	DET
ajis02-751	523	21	role	role	NOUN
ajis02-751	523	22	of	of	ADP
ajis02-751	523	23	switching	switch	VERB
ajis02-751	523	24	costs	cost	NOUN
ajis02-751	523	25	.	.	PUNCT
ajis02-751	524	1	psychology	psychology	NOUN
ajis02-751	524	2	and	and	CCONJ
ajis02-751	524	3	marketing	marketing	NOUN
ajis02-751	524	4	,	,	PUNCT
ajis02-751	524	5	21	21	NUM
ajis02-751	524	6	(	(	PUNCT
ajis02-751	524	7	10	10	NUM
ajis02-751	524	8	)	)	PUNCT
ajis02-751	524	9	,	,	PUNCT
ajis02-751	524	10	799	799	NUM
ajis02-751	524	11	-	-	SYM
ajis02-751	524	12	822	822	NUM
ajis02-751	524	13	.	.	PUNCT
ajis02-751	525	1	ye	ye	PRON
ajis02-751	525	2	,	,	PUNCT
ajis02-751	525	3	c.	c.	NOUN
ajis02-751	525	4	,	,	PUNCT
ajis02-751	525	5	seo	seo	PROPN
ajis02-751	525	6	,	,	PUNCT
ajis02-751	525	7	d.	d.	PROPN
ajis02-751	525	8	b.	b.	PROPN
ajis02-751	525	9	,	,	PUNCT
ajis02-751	525	10	desouza	desouza	PROPN
ajis02-751	525	11	,	,	PUNCT
ajis02-751	525	12	k.	k.	PROPN
ajis02-751	525	13	c.	c.	PROPN
ajis02-751	525	14	,	,	PUNCT
ajis02-751	525	15	sangareddy	sangareddy	PROPN
ajis02-751	525	16	,	,	PUNCT
ajis02-751	525	17	s.	s.	PROPN
ajis02-751	525	18	p.	p.	PROPN
ajis02-751	525	19	&	&	CCONJ
ajis02-751	525	20	jha	jha	PROPN
ajis02-751	525	21	,	,	PUNCT
ajis02-751	525	22	s.	s.	PROPN
ajis02-751	525	23	2008	2008	NUM
ajis02-751	525	24	,	,	PUNCT
ajis02-751	525	25	influence	influence	NOUN
ajis02-751	525	26	of	of	ADP
ajis02-751	525	27	information	information	NOUN
ajis02-751	525	28	technology	technology	NOUN
ajis02-751	525	29	substitutes	substitute	NOUN
ajis02-751	525	30	and	and	CCONJ
ajis02-751	525	31	user	user	NOUN
ajis02-751	525	32	experience	experience	NOUN
ajis02-751	525	33	on	on	ADP
ajis02-751	525	34	post	post	ADJ
ajis02-751	525	35	-	-	ADJ
ajis02-751	525	36	adoption	adoption	ADJ
ajis02-751	525	37	user	user	NOUN
ajis02-751	525	38	switching	switching	NOUN
ajis02-751	525	39	:	:	PUNCT
ajis02-751	525	40	an	an	DET
ajis02-751	525	41	empirical	empirical	ADJ
ajis02-751	525	42	australasian	australasian	ADJ
ajis02-751	525	43	journal	journal	NOUN
ajis02-751	525	44	of	of	ADP
ajis02-751	525	45	information	information	NOUN
ajis02-751	525	46	systems	system	NOUN
ajis02-751	525	47	volume	volume	NOUN
ajis02-751	525	48	18	18	NUM
ajis02-751	525	49	number1	number1	NOUN
ajis02-751	525	50	2013	2013	NUM
ajis02-751	525	51	31	31	NUM
ajis02-751	525	52	investigation	investigation	NOUN
ajis02-751	525	53	.	.	PUNCT
ajis02-751	526	1	journal	journal	NOUN
ajis02-751	526	2	of	of	ADP
ajis02-751	526	3	the	the	DET
ajis02-751	526	4	american	american	ADJ
ajis02-751	526	5	society	society	NOUN
ajis02-751	526	6	for	for	ADP
ajis02-751	526	7	information	information	NOUN
ajis02-751	526	8	science	science	NOUN
ajis02-751	526	9	and	and	CCONJ
ajis02-751	526	10	technology	technology	NOUN
ajis02-751	526	11	,	,	PUNCT
ajis02-751	526	12	59	59	NUM
ajis02-751	526	13	(	(	PUNCT
ajis02-751	526	14	13	13	NUM
ajis02-751	526	15	)	)	PUNCT
ajis02-751	526	16	,	,	PUNCT
ajis02-751	526	17	2116	2116	NUM
ajis02-751	526	18	-	-	SYM
ajis02-751	526	19	2132	2132	NUM
ajis02-751	526	20	.	.	PUNCT
ajis02-751	527	1	yousafzai	yousafzai	PROPN
ajis02-751	527	2	,	,	PUNCT
ajis02-751	527	3	s.	s.	PROPN
ajis02-751	527	4	y.	y.	PROPN
ajis02-751	527	5	,	,	PUNCT
ajis02-751	527	6	pallister	pallister	NOUN
ajis02-751	527	7	,	,	PUNCT
ajis02-751	527	8	j.	j.	PROPN
ajis02-751	527	9	g.	g.	PROPN
ajis02-751	527	10	&	&	CCONJ
ajis02-751	527	11	foxall	foxall	PROPN
ajis02-751	527	12	,	,	PUNCT
ajis02-751	527	13	g.	g.	PROPN
ajis02-751	527	14	r.	r.	PROPN
ajis02-751	527	15	2003	2003	NUM
ajis02-751	527	16	,	,	PUNCT
ajis02-751	527	17	a	a	DET
ajis02-751	527	18	proposed	propose	VERB
ajis02-751	527	19	model	model	NOUN
ajis02-751	527	20	of	of	ADP
ajis02-751	527	21	e	e	NOUN
ajis02-751	527	22	-	-	NOUN
ajis02-751	527	23	trust	trust	NOUN
ajis02-751	527	24	for	for	ADP
ajis02-751	527	25	electronic	electronic	ADJ
ajis02-751	527	26	banking	banking	NOUN
ajis02-751	527	27	.	.	PUNCT
ajis02-751	528	1	technovation	technovation	NOUN
ajis02-751	528	2	,	,	PUNCT
ajis02-751	528	3	23	23	NUM
ajis02-751	528	4	,	,	PUNCT
ajis02-751	528	5	847	847	NUM
ajis02-751	528	6	-	-	SYM
ajis02-751	528	7	860	860	NUM
ajis02-751	528	8	.	.	PUNCT
ajis02-751	529	1	yousafzai	yousafzai	PROPN
ajis02-751	529	2	,	,	PUNCT
ajis02-751	529	3	s.	s.	PROPN
ajis02-751	529	4	y.	y.	PROPN
ajis02-751	529	5	,	,	PUNCT
ajis02-751	529	6	pallister	pallister	NOUN
ajis02-751	529	7	,	,	PUNCT
ajis02-751	529	8	j.	j.	PROPN
ajis02-751	529	9	g.	g.	PROPN
ajis02-751	529	10	&	&	CCONJ
ajis02-751	529	11	foxall	foxall	PROPN
ajis02-751	529	12	,	,	PUNCT
ajis02-751	529	13	g.	g.	PROPN
ajis02-751	529	14	r.	r.	PROPN
ajis02-751	529	15	2005	2005	NUM
ajis02-751	529	16	,	,	PUNCT
ajis02-751	529	17	strategies	strategy	NOUN
ajis02-751	529	18	for	for	ADP
ajis02-751	529	19	building	build	VERB
ajis02-751	529	20	and	and	CCONJ
ajis02-751	529	21	communicating	communicate	VERB
ajis02-751	529	22	trust	trust	NOUN
ajis02-751	529	23	in	in	ADP
ajis02-751	529	24	electronic	electronic	ADJ
ajis02-751	529	25	banking	banking	NOUN
ajis02-751	529	26	:	:	PUNCT
ajis02-751	529	27	a	a	DET
ajis02-751	529	28	field	field	NOUN
ajis02-751	529	29	experiment	experiment	NOUN
ajis02-751	529	30	.	.	PUNCT
ajis02-751	530	1	psychology	psychology	NOUN
ajis02-751	530	2	and	and	CCONJ
ajis02-751	530	3	marketing	marketing	NOUN
ajis02-751	530	4	,	,	PUNCT
ajis02-751	530	5	22	22	NUM
ajis02-751	530	6	(	(	PUNCT
ajis02-751	530	7	2	2	NUM
ajis02-751	530	8	)	)	PUNCT
ajis02-751	530	9	,	,	PUNCT
ajis02-751	530	10	181	181	NUM
ajis02-751	530	11	-	-	SYM
ajis02-751	530	12	201	201	NUM
ajis02-751	530	13	.	.	PUNCT
ajis02-751	531	1	yu	yu	PROPN
ajis02-751	531	2	,	,	PUNCT
ajis02-751	531	3	j.	j.	PROPN
ajis02-751	531	4	,	,	PUNCT
ajis02-751	531	5	ha	ha	INTJ
ajis02-751	531	6	,	,	PUNCT
ajis02-751	531	7	i.	i.	NOUN
ajis02-751	531	8	,	,	PUNCT
ajis02-751	531	9	choi	choi	NOUN
ajis02-751	531	10	,	,	PUNCT
ajis02-751	531	11	m.	m.	NOUN
ajis02-751	531	12	&	&	CCONJ
ajis02-751	531	13	rho	rho	PROPN
ajis02-751	531	14	,	,	PUNCT
ajis02-751	531	15	j.	j.	PROPN
ajis02-751	531	16	2005	2005	NUM
ajis02-751	531	17	,	,	PUNCT
ajis02-751	531	18	extending	extend	VERB
ajis02-751	531	19	the	the	DET
ajis02-751	531	20	tam	tam	NOUN
ajis02-751	531	21	for	for	ADP
ajis02-751	531	22	a	a	DET
ajis02-751	531	23	t	t	PROPN
ajis02-751	531	24	-	-	PUNCT
ajis02-751	531	25	commerce	commerce	NOUN
ajis02-751	531	26	.	.	PUNCT
ajis02-751	532	1	information	information	NOUN
ajis02-751	532	2	and	and	CCONJ
ajis02-751	532	3	management	management	NOUN
ajis02-751	532	4	,	,	PUNCT
ajis02-751	532	5	42	42	NUM
ajis02-751	532	6	(	(	PUNCT
ajis02-751	532	7	7	7	NUM
ajis02-751	532	8	)	)	PUNCT
ajis02-751	532	9	,	,	PUNCT
ajis02-751	532	10	965	965	NUM
ajis02-751	532	11	-	-	SYM
ajis02-751	532	12	976	976	NUM
ajis02-751	532	13	.	.	PUNCT
ajis02-751	533	1	zeithaml	zeithaml	PROPN
ajis02-751	533	2	,	,	PUNCT
ajis02-751	533	3	v.	v.	ADP
ajis02-751	533	4	a.	a.	NOUN
ajis02-751	533	5	1988	1988	NUM
ajis02-751	533	6	,	,	PUNCT
ajis02-751	533	7	consumer	consumer	NOUN
ajis02-751	533	8	perceptions	perception	NOUN
ajis02-751	533	9	of	of	ADP
ajis02-751	533	10	price	price	NOUN
ajis02-751	533	11	,	,	PUNCT
ajis02-751	533	12	quality	quality	NOUN
ajis02-751	533	13	,	,	PUNCT
ajis02-751	533	14	and	and	CCONJ
ajis02-751	533	15	value	value	NOUN
ajis02-751	533	16	:	:	PUNCT
ajis02-751	533	17	a	a	DET
ajis02-751	533	18	means	mean	NOUN
ajis02-751	533	19	-	-	PUNCT
ajis02-751	533	20	end	end	NOUN
ajis02-751	533	21	model	model	NOUN
ajis02-751	533	22	and	and	CCONJ
ajis02-751	533	23	synthesis	synthesis	NOUN
ajis02-751	533	24	of	of	ADP
ajis02-751	533	25	evidence	evidence	NOUN
ajis02-751	533	26	.	.	PUNCT
ajis02-751	534	1	journal	journal	NOUN
ajis02-751	534	2	of	of	ADP
ajis02-751	534	3	marketing	marketing	NOUN
ajis02-751	534	4	,	,	PUNCT
ajis02-751	534	5	52	52	NUM
ajis02-751	534	6	(	(	PUNCT
ajis02-751	534	7	7	7	NUM
ajis02-751	534	8	)	)	PUNCT
ajis02-751	534	9	,	,	PUNCT
ajis02-751	534	10	2	2	NUM
ajis02-751	534	11	-	-	SYM
ajis02-751	534	12	22	22	NUM
ajis02-751	534	13	.	.	PUNCT
ajis02-751	535	1	zeithaml	zeithaml	PROPN
ajis02-751	535	2	,	,	PUNCT
ajis02-751	535	3	v.	v.	PROPN
ajis02-751	535	4	a.	a.	PROPN
ajis02-751	535	5	,	,	PUNCT
ajis02-751	535	6	parasuraman	parasuraman	NOUN
ajis02-751	535	7	,	,	PUNCT
ajis02-751	535	8	a.	a.	PROPN
ajis02-751	535	9	&	&	CCONJ
ajis02-751	535	10	malhotra	malhotra	PROPN
ajis02-751	535	11	,	,	PUNCT
ajis02-751	535	12	a.	a.	NOUN
ajis02-751	535	13	2002	2002	NUM
ajis02-751	535	14	,	,	PUNCT
ajis02-751	535	15	service	service	NOUN
ajis02-751	535	16	quality	quality	NOUN
ajis02-751	535	17	delivery	delivery	NOUN
ajis02-751	535	18	through	through	ADP
ajis02-751	535	19	web	web	NOUN
ajis02-751	535	20	sites	site	NOUN
ajis02-751	535	21	:	:	PUNCT
ajis02-751	535	22	a	a	DET
ajis02-751	535	23	critical	critical	ADJ
ajis02-751	535	24	review	review	NOUN
ajis02-751	535	25	of	of	ADP
ajis02-751	535	26	extant	extant	ADJ
ajis02-751	535	27	knowledge	knowledge	NOUN
ajis02-751	535	28	.	.	PUNCT
ajis02-751	536	1	journal	journal	PROPN
ajis02-751	536	2	of	of	ADP
ajis02-751	536	3	academy	academy	PROPN
ajis02-751	536	4	of	of	ADP
ajis02-751	536	5	marketing	marketing	NOUN
ajis02-751	536	6	science	science	NOUN
ajis02-751	536	7	,	,	PUNCT
ajis02-751	536	8	30	30	NUM
ajis02-751	536	9	(	(	PUNCT
ajis02-751	536	10	4	4	NUM
ajis02-751	536	11	)	)	PUNCT
ajis02-751	536	12	,	,	PUNCT
ajis02-751	536	13	362375	362375	NUM
ajis02-751	536	14	.	.	PUNCT