id	keyword
ajis02-3201	resistance
ajis02-3201	mobile
ajis02-3201	adoption
ajis02-3201	non
ajis02-3201	et al
ajis02-3201	barriers
ajis02-3201	payments
ajis02-3201	journal
ajis02-3201	study
ajis02-3201	talwar
ajis02-3201	rejection
ajis02-3201	innovation
ajis02-3201	consumer
ajis02-3201	research
ajis02-3201	postponement
ajis02-3201	opposition