id	sid	tid	token	lemma	pos
bjmsr-2210	1	1	bangladesh	bangladesh	PROPN
bjmsr-2210	1	2	journal	journal	PROPN
bjmsr-2210	1	3	of	of	ADP
bjmsr-2210	1	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	1	5	scientific	scientific	ADJ
bjmsr-2210	1	6	research	research	NOUN
bjmsr-2210	1	7	9(2	9(2	NUM
bjmsr-2210	1	8	)	)	PUNCT
bjmsr-2210	1	9	(	(	PUNCT
bjmsr-2210	1	10	2024	2024	NUM
bjmsr-2210	1	11	)	)	PUNCT
bjmsr-2210	1	12	,	,	PUNCT
bjmsr-2210	1	13	1	1	NUM
bjmsr-2210	1	14	-	-	SYM
bjmsr-2210	1	15	9	9	NUM
bjmsr-2210	1	16	1	1	NUM
bjmsr-2210	1	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	1	18	scientific	scientific	ADJ
bjmsr-2210	1	19	research	research	NOUN
bjmsr-2210	1	20	bjmsr	bjmsr	NOUN
bjmsr-2210	1	21	vol	vol	VERB
bjmsr-2210	1	22	9	9	NUM
bjmsr-2210	1	23	no	no	DET
bjmsr-2210	1	24	2	2	NUM
bjmsr-2210	1	25	(	(	PUNCT
bjmsr-2210	1	26	2024	2024	NUM
bjmsr-2210	1	27	)	)	PUNCT
bjmsr-2210	1	28	p	p	X
bjmsr-2210	1	29	-	-	PUNCT
bjmsr-2210	1	30	issn	issn	PROPN
bjmsr-2210	1	31	2687	2687	NUM
bjmsr-2210	1	32	-	-	PUNCT
bjmsr-2210	1	33	850x	850x	NUM
bjmsr-2210	1	34	e	e	NOUN
bjmsr-2210	1	35	-	-	PROPN
bjmsr-2210	1	36	issn	issn	PROPN
bjmsr-2210	1	37	2687	2687	NUM
bjmsr-2210	1	38	-	-	SYM
bjmsr-2210	1	39	8518	8518	NUM
bjmsr-2210	1	40	available	available	ADJ
bjmsr-2210	1	41	online	online	ADV
bjmsr-2210	1	42	at	at	ADP
bjmsr-2210	1	43	https://www.cribfb.com	https://www.cribfb.com	X
bjmsr-2210	1	44	journal	journal	PROPN
bjmsr-2210	1	45	homepage	homepage	NOUN
bjmsr-2210	1	46	:	:	PUNCT
bjmsr-2210	1	47	https://www.cribfb.com/journal/index.php/bjmsr	https://www.cribfb.com/journal/index.php/bjmsr	NOUN
bjmsr-2210	1	48	published	publish	VERB
bjmsr-2210	1	49	by	by	ADP
bjmsr-2210	1	50	cribfb	cribfb	PROPN
bjmsr-2210	1	51	,	,	PUNCT
bjmsr-2210	1	52	usa	usa	PROPN
bjmsr-2210	1	53	bankers	bankers	PROPN
bjmsr-2210	1	54	’	’	PART
bjmsr-2210	1	55	perspective	perspective	NOUN
bjmsr-2210	1	56	on	on	ADP
bjmsr-2210	1	57	social	social	ADJ
bjmsr-2210	1	58	media	medium	NOUN
bjmsr-2210	1	59	banking	banking	NOUN
bjmsr-2210	1	60	:	:	PUNCT
bjmsr-2210	1	61	a	a	DET
bjmsr-2210	1	62	study	study	NOUN
bjmsr-2210	1	63	with	with	ADP
bjmsr-2210	1	64	special	special	ADJ
bjmsr-2210	1	65	reference	reference	NOUN
bjmsr-2210	1	66	to	to	PART
bjmsr-2210	1	67	select	select	VERB
bjmsr-2210	2	1	indian	indian	ADJ
bjmsr-2210	2	2	banks	bank	NOUN
bjmsr-2210	2	3	mani	mani	PROPN
bjmsr-2210	2	4	ramasamy	ramasamy	PROPN
bjmsr-2210	2	5	(	(	PUNCT
bjmsr-2210	2	6	a	a	PRON
bjmsr-2210	2	7	)	)	PUNCT
bjmsr-2210	2	8	janakiraman	janakiraman	NOUN
bjmsr-2210	2	9	subbiah	subbiah	NOUN
bjmsr-2210	2	10	(	(	PUNCT
bjmsr-2210	2	11	b	b	X
bjmsr-2210	2	12	)	)	PUNCT
bjmsr-2210	2	13	dhrubajyoti	dhrubajyoti	PROPN
bjmsr-2210	2	14	bordoloi	bordoloi	NOUN
bjmsr-2210	2	15	(	(	PUNCT
bjmsr-2210	2	16	c	c	NOUN
bjmsr-2210	2	17	)	)	PUNCT
bjmsr-2210	2	18	perumalraja	perumalraja	NOUN
bjmsr-2210	2	19	ramalingam	ramalingam	NOUN
bjmsr-2210	2	20	(	(	PUNCT
bjmsr-2210	2	21	d)1	d)1	NOUN
bjmsr-2210	2	22	(	(	PUNCT
bjmsr-2210	2	23	a	a	NOUN
bjmsr-2210	2	24	)	)	PUNCT
bjmsr-2210	2	25	assistant	assistant	NOUN
bjmsr-2210	2	26	professor	professor	NOUN
bjmsr-2210	2	27	,	,	PUNCT
bjmsr-2210	2	28	department	department	NOUN
bjmsr-2210	2	29	of	of	ADP
bjmsr-2210	2	30	management	management	PROPN
bjmsr-2210	2	31	,	,	PUNCT
bjmsr-2210	2	32	nagaland	nagaland	PROPN
bjmsr-2210	2	33	university	university	PROPN
bjmsr-2210	2	34	,	,	PUNCT
bjmsr-2210	2	35	india	india	PROPN
bjmsr-2210	2	36	;	;	PUNCT
bjmsr-2210	2	37	e	e	X
bjmsr-2210	2	38	-	-	NOUN
bjmsr-2210	2	39	mail	mail	NOUN
bjmsr-2210	2	40	:	:	PUNCT
bjmsr-2210	3	1	rmanigceb@gmail.com	rmanigceb@gmail.com	X
bjmsr-2210	3	2	(	(	PUNCT
bjmsr-2210	3	3	b	b	NOUN
bjmsr-2210	3	4	)	)	PUNCT
bjmsr-2210	3	5	professor	professor	NOUN
bjmsr-2210	3	6	,	,	PUNCT
bjmsr-2210	3	7	department	department	NOUN
bjmsr-2210	3	8	of	of	ADP
bjmsr-2210	3	9	banking	banking	NOUN
bjmsr-2210	3	10	technology	technology	NOUN
bjmsr-2210	3	11	,	,	PUNCT
bjmsr-2210	3	12	pondicherry	pondicherry	PROPN
bjmsr-2210	3	13	university	university	PROPN
bjmsr-2210	3	14	,	,	PUNCT
bjmsr-2210	3	15	india	india	PROPN
bjmsr-2210	3	16	;	;	PUNCT
bjmsr-2210	3	17	e	e	X
bjmsr-2210	3	18	-	-	NOUN
bjmsr-2210	3	19	mail	mail	NOUN
bjmsr-2210	3	20	:	:	PUNCT
bjmsr-2210	3	21	jana3376@yahoo.co.in	jana3376@yahoo.co.in	PROPN
bjmsr-2210	3	22	(	(	PUNCT
bjmsr-2210	3	23	c	c	X
bjmsr-2210	3	24	)	)	PUNCT
bjmsr-2210	3	25	assistant	assistant	NOUN
bjmsr-2210	3	26	professor	professor	NOUN
bjmsr-2210	3	27	,	,	PUNCT
bjmsr-2210	3	28	department	department	NOUN
bjmsr-2210	3	29	of	of	ADP
bjmsr-2210	3	30	management	management	PROPN
bjmsr-2210	3	31	,	,	PUNCT
bjmsr-2210	3	32	nagaland	nagaland	PROPN
bjmsr-2210	3	33	university	university	PROPN
bjmsr-2210	3	34	,	,	PUNCT
bjmsr-2210	3	35	india	india	PROPN
bjmsr-2210	3	36	;	;	PUNCT
bjmsr-2210	3	37	e	e	X
bjmsr-2210	3	38	-	-	NOUN
bjmsr-2210	3	39	mail	mail	NOUN
bjmsr-2210	3	40	:	:	PUNCT
bjmsr-2210	3	41	dhruba42@nagalanduniversity.ac.in	dhruba42@nagalanduniversity.ac.in	NOUN
bjmsr-2210	3	42	(	(	PUNCT
bjmsr-2210	3	43	d	d	NOUN
bjmsr-2210	3	44	)	)	PUNCT
bjmsr-2210	3	45	assistant	assistant	NOUN
bjmsr-2210	3	46	professor	professor	NOUN
bjmsr-2210	3	47	,	,	PUNCT
bjmsr-2210	3	48	department	department	PROPN
bjmsr-2210	3	49	of	of	ADP
bjmsr-2210	3	50	commerce	commerce	PROPN
bjmsr-2210	3	51	,	,	PUNCT
bjmsr-2210	3	52	nagaland	nagaland	PROPN
bjmsr-2210	3	53	university	university	PROPN
bjmsr-2210	3	54	,	,	PUNCT
bjmsr-2210	3	55	india	india	PROPN
bjmsr-2210	3	56	;	;	PUNCT
bjmsr-2210	3	57	e	e	X
bjmsr-2210	3	58	-	-	NOUN
bjmsr-2210	3	59	mail	mail	NOUN
bjmsr-2210	3	60	:	:	PUNCT
bjmsr-2210	3	61	perumalrajares@gmail.com	perumalrajares@gmail.com	X
bjmsr-2210	4	1	a	a	DET
bjmsr-2210	4	2	r	r	NOUN
bjmsr-2210	4	3	t	t	NOUN
bjmsr-2210	5	1	i	i	PRON
bjmsr-2210	5	2	c	c	NOUN
bjmsr-2210	5	3	l	l	NOUN
bjmsr-2210	5	4	e	e	NOUN
bjmsr-2210	6	1	i	i	PRON
bjmsr-2210	6	2	n	n	VERB
bjmsr-2210	6	3	f	f	NOUN
bjmsr-2210	6	4	o	o	NOUN
bjmsr-2210	6	5	article	article	NOUN
bjmsr-2210	6	6	history	history	NOUN
bjmsr-2210	6	7	:	:	PUNCT
bjmsr-2210	6	8	received	receive	VERB
bjmsr-2210	6	9	:	:	PUNCT
bjmsr-2210	6	10	4th	4th	ADJ
bjmsr-2210	6	11	april	april	PROPN
bjmsr-2210	6	12	2024	2024	NUM
bjmsr-2210	6	13	reviewed	review	VERB
bjmsr-2210	6	14	&	&	CCONJ
bjmsr-2210	6	15	revised	revise	VERB
bjmsr-2210	6	16	:	:	PUNCT
bjmsr-2210	6	17	4th	4th	ADJ
bjmsr-2210	6	18	april	april	PROPN
bjmsr-2210	6	19	to	to	ADP
bjmsr-2210	6	20	4th	4th	ADJ
bjmsr-2210	6	21	june	june	PROPN
bjmsr-2210	6	22	2024	2024	NUM
bjmsr-2210	6	23	accepted	accept	VERB
bjmsr-2210	6	24	:	:	PUNCT
bjmsr-2210	6	25	5th	5th	ADJ
bjmsr-2210	6	26	june	june	PROPN
bjmsr-2210	6	27	2024	2024	NUM
bjmsr-2210	6	28	published	publish	VERB
bjmsr-2210	6	29	:	:	PUNCT
bjmsr-2210	6	30	10th	10th	ADJ
bjmsr-2210	6	31	june	june	PROPN
bjmsr-2210	6	32	2024	2024	NUM
bjmsr-2210	6	33	keywords	keyword	NOUN
bjmsr-2210	6	34	:	:	PUNCT
bjmsr-2210	6	35	bankers	banker	NOUN
bjmsr-2210	6	36	perception	perception	NOUN
bjmsr-2210	6	37	,	,	PUNCT
bjmsr-2210	6	38	indian	indian	ADJ
bjmsr-2210	6	39	commercial	commercial	ADJ
bjmsr-2210	6	40	banks	bank	NOUN
bjmsr-2210	6	41	,	,	PUNCT
bjmsr-2210	6	42	ict	ict	PROPN
bjmsr-2210	6	43	,	,	PUNCT
bjmsr-2210	6	44	social	social	ADJ
bjmsr-2210	6	45	media	medium	NOUN
bjmsr-2210	6	46	and	and	CCONJ
bjmsr-2210	6	47	social	social	ADJ
bjmsr-2210	6	48	media	medium	NOUN
bjmsr-2210	6	49	banking	banking	NOUN
bjmsr-2210	6	50	.	.	PUNCT
bjmsr-2210	7	1	jel	jel	PROPN
bjmsr-2210	7	2	classification	classification	NOUN
bjmsr-2210	7	3	codes	code	NOUN
bjmsr-2210	7	4	:	:	PUNCT
bjmsr-2210	7	5	m150	m150	NUM
bjmsr-2210	7	6	,	,	PUNCT
bjmsr-2210	7	7	g21	g21	PROPN
bjmsr-2210	7	8	,	,	PUNCT
bjmsr-2210	7	9	l86	l86	NOUN
bjmsr-2210	7	10	,	,	PUNCT
bjmsr-2210	7	11	o360	o360	NUM
bjmsr-2210	7	12	peer	peer	NOUN
bjmsr-2210	7	13	-	-	PUNCT
bjmsr-2210	7	14	review	review	NOUN
bjmsr-2210	7	15	model	model	NOUN
bjmsr-2210	7	16	:	:	PUNCT
bjmsr-2210	7	17	external	external	ADJ
bjmsr-2210	7	18	peer	peer	NOUN
bjmsr-2210	7	19	-	-	PUNCT
bjmsr-2210	7	20	review	review	NOUN
bjmsr-2210	7	21	was	be	AUX
bjmsr-2210	7	22	done	do	VERB
bjmsr-2210	7	23	through	through	ADP
bjmsr-2210	7	24	double	double	ADJ
bjmsr-2210	7	25	-	-	PUNCT
bjmsr-2210	7	26	blind	blind	ADJ
bjmsr-2210	7	27	method	method	NOUN
bjmsr-2210	7	28	.	.	PUNCT
bjmsr-2210	8	1	a	a	PRON
bjmsr-2210	8	2	b	b	PROPN
bjmsr-2210	8	3	s	s	ADP
bjmsr-2210	8	4	t	t	PROPN
bjmsr-2210	8	5	r	r	NOUN
bjmsr-2210	8	6	a	a	DET
bjmsr-2210	8	7	c	c	NOUN
bjmsr-2210	8	8	t	t	NOUN
bjmsr-2210	8	9	social	social	ADJ
bjmsr-2210	8	10	media	medium	NOUN
bjmsr-2210	8	11	banking	banking	NOUN
bjmsr-2210	8	12	(	(	PUNCT
bjmsr-2210	8	13	smb	smb	PROPN
bjmsr-2210	8	14	)	)	PUNCT
bjmsr-2210	8	15	is	be	AUX
bjmsr-2210	8	16	an	an	DET
bjmsr-2210	8	17	electronic	electronic	ADJ
bjmsr-2210	8	18	banking	banking	NOUN
bjmsr-2210	8	19	channel	channel	NOUN
bjmsr-2210	8	20	enabling	enable	VERB
bjmsr-2210	8	21	users	user	NOUN
bjmsr-2210	8	22	to	to	PART
bjmsr-2210	8	23	perform	perform	VERB
bjmsr-2210	8	24	their	their	PRON
bjmsr-2210	8	25	banking	banking	NOUN
bjmsr-2210	8	26	services	service	NOUN
bjmsr-2210	8	27	and	and	CCONJ
bjmsr-2210	8	28	operations	operation	NOUN
bjmsr-2210	8	29	through	through	ADP
bjmsr-2210	8	30	social	social	ADJ
bjmsr-2210	8	31	media	medium	NOUN
bjmsr-2210	8	32	.	.	PUNCT
bjmsr-2210	9	1	most	most	ADJ
bjmsr-2210	9	2	indian	indian	ADJ
bjmsr-2210	9	3	banks	bank	NOUN
bjmsr-2210	9	4	use	use	VERB
bjmsr-2210	9	5	social	social	ADJ
bjmsr-2210	9	6	media	medium	NOUN
bjmsr-2210	9	7	for	for	ADP
bjmsr-2210	9	8	advertisement	advertisement	NOUN
bjmsr-2210	9	9	,	,	PUNCT
bjmsr-2210	9	10	customer	customer	NOUN
bjmsr-2210	9	11	relations	relation	NOUN
bjmsr-2210	9	12	,	,	PUNCT
bjmsr-2210	9	13	and	and	CCONJ
bjmsr-2210	9	14	marketing	marketing	NOUN
bjmsr-2210	9	15	communications	communication	NOUN
bjmsr-2210	9	16	of	of	ADP
bjmsr-2210	9	17	products	product	NOUN
bjmsr-2210	9	18	and	and	CCONJ
bjmsr-2210	9	19	services	service	NOUN
bjmsr-2210	9	20	,	,	PUNCT
bjmsr-2210	9	21	but	but	CCONJ
bjmsr-2210	9	22	only	only	ADV
bjmsr-2210	9	23	a	a	DET
bjmsr-2210	9	24	few	few	ADJ
bjmsr-2210	9	25	banks	bank	NOUN
bjmsr-2210	9	26	offer	offer	VERB
bjmsr-2210	9	27	services	service	NOUN
bjmsr-2210	9	28	related	relate	VERB
bjmsr-2210	9	29	to	to	ADP
bjmsr-2210	9	30	social	social	ADJ
bjmsr-2210	9	31	media	medium	NOUN
bjmsr-2210	9	32	banking	banking	NOUN
bjmsr-2210	9	33	.	.	PUNCT
bjmsr-2210	10	1	the	the	DET
bjmsr-2210	10	2	main	main	ADJ
bjmsr-2210	10	3	aim	aim	NOUN
bjmsr-2210	10	4	of	of	ADP
bjmsr-2210	10	5	this	this	DET
bjmsr-2210	10	6	paper	paper	NOUN
bjmsr-2210	10	7	is	be	AUX
bjmsr-2210	10	8	to	to	PART
bjmsr-2210	10	9	study	study	VERB
bjmsr-2210	10	10	the	the	DET
bjmsr-2210	10	11	bankers	banker	NOUN
bjmsr-2210	10	12	'	'	PART
bjmsr-2210	10	13	perspective	perspective	NOUN
bjmsr-2210	10	14	on	on	ADP
bjmsr-2210	10	15	social	social	ADJ
bjmsr-2210	10	16	media	medium	NOUN
bjmsr-2210	10	17	banking	banking	NOUN
bjmsr-2210	10	18	services	service	NOUN
bjmsr-2210	10	19	provided	provide	VERB
bjmsr-2210	10	20	by	by	ADP
bjmsr-2210	10	21	banks	bank	NOUN
bjmsr-2210	10	22	in	in	ADP
bjmsr-2210	10	23	india	india	PROPN
bjmsr-2210	10	24	and	and	CCONJ
bjmsr-2210	10	25	the	the	DET
bjmsr-2210	10	26	effect	effect	NOUN
bjmsr-2210	10	27	of	of	ADP
bjmsr-2210	10	28	demographic	demographic	ADJ
bjmsr-2210	10	29	profiles	profile	NOUN
bjmsr-2210	10	30	.	.	PUNCT
bjmsr-2210	11	1	primary	primary	ADJ
bjmsr-2210	11	2	data	datum	NOUN
bjmsr-2210	11	3	was	be	AUX
bjmsr-2210	11	4	collected	collect	VERB
bjmsr-2210	11	5	through	through	ADP
bjmsr-2210	11	6	a	a	DET
bjmsr-2210	11	7	structured	structured	ADJ
bjmsr-2210	11	8	questionnaire	questionnaire	NOUN
bjmsr-2210	11	9	to	to	PART
bjmsr-2210	11	10	achieve	achieve	VERB
bjmsr-2210	11	11	the	the	DET
bjmsr-2210	11	12	above	above	ADJ
bjmsr-2210	11	13	goal	goal	NOUN
bjmsr-2210	11	14	.	.	PUNCT
bjmsr-2210	12	1	the	the	DET
bjmsr-2210	12	2	study	study	NOUN
bjmsr-2210	12	3	considered	consider	VERB
bjmsr-2210	12	4	selective	selective	ADJ
bjmsr-2210	12	5	public	public	ADJ
bjmsr-2210	12	6	and	and	CCONJ
bjmsr-2210	12	7	private	private	ADJ
bjmsr-2210	12	8	sector	sector	NOUN
bjmsr-2210	12	9	banks	bank	NOUN
bjmsr-2210	12	10	,	,	PUNCT
bjmsr-2210	12	11	and	and	CCONJ
bjmsr-2210	12	12	the	the	DET
bjmsr-2210	12	13	significant	significant	ADJ
bjmsr-2210	12	14	variables	variable	NOUN
bjmsr-2210	12	15	were	be	AUX
bjmsr-2210	12	16	social	social	ADJ
bjmsr-2210	12	17	media	medium	NOUN
bjmsr-2210	12	18	adoption	adoption	NOUN
bjmsr-2210	12	19	in	in	ADP
bjmsr-2210	12	20	banks	bank	NOUN
bjmsr-2210	12	21	,	,	PUNCT
bjmsr-2210	12	22	benefits	benefit	NOUN
bjmsr-2210	12	23	,	,	PUNCT
bjmsr-2210	12	24	and	and	CCONJ
bjmsr-2210	12	25	challenges	challenge	NOUN
bjmsr-2210	12	26	of	of	ADP
bjmsr-2210	12	27	smb	smb	NOUN
bjmsr-2210	12	28	.	.	PUNCT
bjmsr-2210	13	1	the	the	DET
bjmsr-2210	13	2	researcher	researcher	NOUN
bjmsr-2210	13	3	adopted	adopt	VERB
bjmsr-2210	13	4	a	a	DET
bjmsr-2210	13	5	simple	simple	ADJ
bjmsr-2210	13	6	random	random	ADJ
bjmsr-2210	13	7	sampling	sampling	NOUN
bjmsr-2210	13	8	method	method	NOUN
bjmsr-2210	13	9	to	to	PART
bjmsr-2210	13	10	collect	collect	VERB
bjmsr-2210	13	11	the	the	DET
bjmsr-2210	13	12	data	datum	NOUN
bjmsr-2210	13	13	from	from	ADP
bjmsr-2210	13	14	402	402	NUM
bjmsr-2210	13	15	bank	bank	NOUN
bjmsr-2210	13	16	bankers	banker	NOUN
bjmsr-2210	13	17	who	who	PRON
bjmsr-2210	13	18	offer	offer	VERB
bjmsr-2210	13	19	social	social	ADJ
bjmsr-2210	13	20	media	medium	NOUN
bjmsr-2210	13	21	banking	banking	NOUN
bjmsr-2210	13	22	-	-	PUNCT
bjmsr-2210	13	23	related	relate	VERB
bjmsr-2210	13	24	services	service	NOUN
bjmsr-2210	13	25	to	to	ADP
bjmsr-2210	13	26	their	their	PRON
bjmsr-2210	13	27	customers	customer	NOUN
bjmsr-2210	13	28	,	,	PUNCT
bjmsr-2210	13	29	and	and	CCONJ
bjmsr-2210	13	30	the	the	DET
bjmsr-2210	13	31	statistical	statistical	ADJ
bjmsr-2210	13	32	tools	tool	NOUN
bjmsr-2210	13	33	used	use	VERB
bjmsr-2210	13	34	to	to	PART
bjmsr-2210	13	35	attain	attain	VERB
bjmsr-2210	13	36	the	the	DET
bjmsr-2210	13	37	objectives	objective	NOUN
bjmsr-2210	13	38	of	of	ADP
bjmsr-2210	13	39	this	this	DET
bjmsr-2210	13	40	study	study	NOUN
bjmsr-2210	13	41	are	be	AUX
bjmsr-2210	13	42	the	the	DET
bjmsr-2210	13	43	independent	independent	ADJ
bjmsr-2210	13	44	sample	sample	NOUN
bjmsr-2210	13	45	t	t	NOUN
bjmsr-2210	13	46	-	-	PUNCT
bjmsr-2210	13	47	test	test	NOUN
bjmsr-2210	13	48	and	and	CCONJ
bjmsr-2210	13	49	anova	anova	PROPN
bjmsr-2210	13	50	test	test	NOUN
bjmsr-2210	13	51	.	.	PUNCT
bjmsr-2210	14	1	the	the	DET
bjmsr-2210	14	2	study	study	NOUN
bjmsr-2210	14	3	results	result	VERB
bjmsr-2210	14	4	from	from	ADP
bjmsr-2210	14	5	banking	banking	NOUN
bjmsr-2210	14	6	professionals	professional	NOUN
bjmsr-2210	14	7	whose	whose	DET
bjmsr-2210	14	8	banks	bank	NOUN
bjmsr-2210	14	9	offered	offer	VERB
bjmsr-2210	14	10	smb	smb	NOUN
bjmsr-2210	14	11	services	service	NOUN
bjmsr-2210	14	12	showed	show	VERB
bjmsr-2210	14	13	a	a	DET
bjmsr-2210	14	14	significant	significant	ADJ
bjmsr-2210	14	15	effect	effect	NOUN
bjmsr-2210	14	16	of	of	ADP
bjmsr-2210	14	17	demographic	demographic	ADJ
bjmsr-2210	14	18	variables	variable	NOUN
bjmsr-2210	14	19	on	on	ADP
bjmsr-2210	14	20	social	social	ADJ
bjmsr-2210	14	21	media	medium	NOUN
bjmsr-2210	14	22	adoption	adoption	NOUN
bjmsr-2210	14	23	in	in	ADP
bjmsr-2210	14	24	banks	bank	NOUN
bjmsr-2210	14	25	and	and	CCONJ
bjmsr-2210	14	26	the	the	DET
bjmsr-2210	14	27	benefits	benefit	NOUN
bjmsr-2210	14	28	and	and	CCONJ
bjmsr-2210	14	29	challenges	challenge	NOUN
bjmsr-2210	14	30	of	of	ADP
bjmsr-2210	14	31	smb	smb	NOUN
bjmsr-2210	14	32	.	.	PUNCT
bjmsr-2210	15	1	the	the	DET
bjmsr-2210	15	2	study	study	NOUN
bjmsr-2210	15	3	's	's	PART
bjmsr-2210	15	4	findings	finding	NOUN
bjmsr-2210	15	5	provide	provide	VERB
bjmsr-2210	15	6	regulators	regulator	NOUN
bjmsr-2210	15	7	and	and	CCONJ
bjmsr-2210	15	8	banks	bank	NOUN
bjmsr-2210	15	9	with	with	ADP
bjmsr-2210	15	10	insight	insight	NOUN
bjmsr-2210	15	11	into	into	ADP
bjmsr-2210	15	12	the	the	DET
bjmsr-2210	15	13	benefits	benefit	NOUN
bjmsr-2210	15	14	and	and	CCONJ
bjmsr-2210	15	15	challenges	challenge	NOUN
bjmsr-2210	15	16	of	of	ADP
bjmsr-2210	15	17	social	social	ADJ
bjmsr-2210	15	18	media	medium	NOUN
bjmsr-2210	15	19	banking	banking	NOUN
bjmsr-2210	15	20	,	,	PUNCT
bjmsr-2210	15	21	enabling	enable	VERB
bjmsr-2210	15	22	them	they	PRON
bjmsr-2210	15	23	to	to	PART
bjmsr-2210	15	24	implement	implement	VERB
bjmsr-2210	15	25	a	a	DET
bjmsr-2210	15	26	generalized	generalized	ADJ
bjmsr-2210	15	27	framework	framework	NOUN
bjmsr-2210	15	28	and	and	CCONJ
bjmsr-2210	15	29	guidelines	guideline	NOUN
bjmsr-2210	15	30	on	on	ADP
bjmsr-2210	15	31	social	social	ADJ
bjmsr-2210	15	32	media	medium	NOUN
bjmsr-2210	15	33	banking	banking	NOUN
bjmsr-2210	15	34	.	.	PUNCT
bjmsr-2210	16	1	the	the	DET
bjmsr-2210	16	2	researcher	researcher	NOUN
bjmsr-2210	16	3	suggests	suggest	VERB
bjmsr-2210	16	4	to	to	ADP
bjmsr-2210	16	5	the	the	DET
bjmsr-2210	16	6	banks	bank	NOUN
bjmsr-2210	16	7	that	that	PRON
bjmsr-2210	16	8	the	the	DET
bjmsr-2210	16	9	benefits	benefit	NOUN
bjmsr-2210	16	10	and	and	CCONJ
bjmsr-2210	16	11	challenges	challenge	NOUN
bjmsr-2210	16	12	of	of	ADP
bjmsr-2210	16	13	social	social	ADJ
bjmsr-2210	16	14	media	medium	NOUN
bjmsr-2210	16	15	banking	banking	NOUN
bjmsr-2210	16	16	pave	pave	VERB
bjmsr-2210	16	17	the	the	DET
bjmsr-2210	16	18	way	way	NOUN
bjmsr-2210	16	19	to	to	ADP
bjmsr-2210	16	20	developing	develop	VERB
bjmsr-2210	16	21	efficient	efficient	ADJ
bjmsr-2210	16	22	and	and	CCONJ
bjmsr-2210	16	23	flawless	flawless	ADJ
bjmsr-2210	16	24	models	model	NOUN
bjmsr-2210	16	25	for	for	ADP
bjmsr-2210	16	26	their	their	PRON
bjmsr-2210	16	27	customers	customer	NOUN
bjmsr-2210	16	28	.	.	PUNCT
bjmsr-2210	17	1	at	at	ADP
bjmsr-2210	17	2	last	last	ADV
bjmsr-2210	17	3	,	,	PUNCT
bjmsr-2210	17	4	the	the	DET
bjmsr-2210	17	5	study	study	NOUN
bjmsr-2210	17	6	encourages	encourage	VERB
bjmsr-2210	17	7	customers	customer	NOUN
bjmsr-2210	17	8	to	to	PART
bjmsr-2210	17	9	move	move	VERB
bjmsr-2210	17	10	towards	towards	ADP
bjmsr-2210	17	11	social	social	ADJ
bjmsr-2210	17	12	media	medium	NOUN
bjmsr-2210	17	13	for	for	ADP
bjmsr-2210	17	14	their	their	PRON
bjmsr-2210	17	15	relationship	relationship	NOUN
bjmsr-2210	17	16	with	with	ADP
bjmsr-2210	17	17	banks	bank	NOUN
bjmsr-2210	17	18	and	and	CCONJ
bjmsr-2210	17	19	real	real	ADJ
bjmsr-2210	17	20	-	-	PUNCT
bjmsr-2210	17	21	time	time	NOUN
bjmsr-2210	17	22	grievance	grievance	NOUN
bjmsr-2210	17	23	redressal	redressal	NOUN
bjmsr-2210	17	24	.	.	PUNCT
bjmsr-2210	18	1	©	©	ADP
bjmsr-2210	18	2	2024	2024	NUM
bjmsr-2210	18	3	by	by	ADP
bjmsr-2210	18	4	the	the	DET
bjmsr-2210	18	5	authors	author	NOUN
bjmsr-2210	18	6	.	.	PUNCT
bjmsr-2210	19	1	licensee	licensee	PROPN
bjmsr-2210	19	2	cribfb	cribfb	PROPN
bjmsr-2210	19	3	,	,	PUNCT
bjmsr-2210	19	4	usa	usa	PROPN
bjmsr-2210	19	5	.	.	PROPN
bjmsr-2210	20	1	this	this	DET
bjmsr-2210	20	2	open	open	ADJ
bjmsr-2210	20	3	-	-	PUNCT
bjmsr-2210	20	4	access	access	NOUN
bjmsr-2210	20	5	article	article	NOUN
bjmsr-2210	20	6	is	be	AUX
bjmsr-2210	20	7	distributed	distribute	VERB
bjmsr-2210	20	8	under	under	ADP
bjmsr-2210	20	9	the	the	DET
bjmsr-2210	20	10	terms	term	NOUN
bjmsr-2210	20	11	and	and	CCONJ
bjmsr-2210	20	12	conditions	condition	NOUN
bjmsr-2210	20	13	of	of	ADP
bjmsr-2210	20	14	the	the	DET
bjmsr-2210	20	15	creative	creative	ADJ
bjmsr-2210	20	16	commons	common	NOUN
bjmsr-2210	20	17	attribution	attribution	NOUN
bjmsr-2210	20	18	(	(	PUNCT
bjmsr-2210	20	19	cc	cc	NOUN
bjmsr-2210	20	20	by	by	ADP
bjmsr-2210	20	21	)	)	PUNCT
bjmsr-2210	20	22	license	license	NOUN
bjmsr-2210	20	23	(	(	PUNCT
bjmsr-2210	20	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2210	20	25	)	)	PUNCT
bjmsr-2210	20	26	.	.	PUNCT
bjmsr-2210	21	1	introduction	introduction	NOUN
bjmsr-2210	21	2	information	information	NOUN
bjmsr-2210	21	3	and	and	CCONJ
bjmsr-2210	21	4	communication	communication	NOUN
bjmsr-2210	21	5	technology	technology	NOUN
bjmsr-2210	21	6	(	(	PUNCT
bjmsr-2210	21	7	ict	ict	PROPN
bjmsr-2210	21	8	)	)	PUNCT
bjmsr-2210	21	9	services	service	NOUN
bjmsr-2210	21	10	such	such	ADJ
bjmsr-2210	21	11	as	as	ADP
bjmsr-2210	21	12	the	the	DET
bjmsr-2210	21	13	world	world	NOUN
bjmsr-2210	21	14	wide	wide	ADJ
bjmsr-2210	21	15	web	web	NOUN
bjmsr-2210	21	16	,	,	PUNCT
bjmsr-2210	21	17	wireless	wireless	ADJ
bjmsr-2210	21	18	communications	communication	NOUN
bjmsr-2210	21	19	,	,	PUNCT
bjmsr-2210	21	20	the	the	DET
bjmsr-2210	21	21	internet	internet	NOUN
bjmsr-2210	21	22	and	and	CCONJ
bjmsr-2210	21	23	social	social	ADJ
bjmsr-2210	21	24	media	medium	NOUN
bjmsr-2210	21	25	have	have	AUX
bjmsr-2210	21	26	changed	change	VERB
bjmsr-2210	21	27	every	every	DET
bjmsr-2210	21	28	business	business	NOUN
bjmsr-2210	21	29	tremendously	tremendously	ADV
bjmsr-2210	21	30	since	since	SCONJ
bjmsr-2210	21	31	the	the	DET
bjmsr-2210	21	32	twentieth	twentieth	ADJ
bjmsr-2210	21	33	century	century	NOUN
bjmsr-2210	21	34	.	.	PUNCT
bjmsr-2210	22	1	on	on	ADP
bjmsr-2210	22	2	the	the	DET
bjmsr-2210	22	3	customer	customer	NOUN
bjmsr-2210	22	4	side	side	NOUN
bjmsr-2210	22	5	,	,	PUNCT
bjmsr-2210	22	6	ict	ict	PROPN
bjmsr-2210	22	7	enabled	enable	VERB
bjmsr-2210	22	8	services	service	NOUN
bjmsr-2210	22	9	to	to	PART
bjmsr-2210	22	10	transform	transform	VERB
bjmsr-2210	22	11	their	their	PRON
bjmsr-2210	22	12	behaviour	behaviour	NOUN
bjmsr-2210	22	13	and	and	CCONJ
bjmsr-2210	22	14	afford	afford	VERB
bjmsr-2210	22	15	numerous	numerous	ADJ
bjmsr-2210	22	16	benefits	benefit	NOUN
bjmsr-2210	22	17	.	.	PUNCT
bjmsr-2210	23	1	customers	customer	NOUN
bjmsr-2210	23	2	benefit	benefit	VERB
bjmsr-2210	23	3	through	through	ADP
bjmsr-2210	23	4	online	online	ADJ
bjmsr-2210	23	5	purchases	purchase	NOUN
bjmsr-2210	23	6	in	in	ADP
bjmsr-2210	23	7	which	which	PRON
bjmsr-2210	23	8	they	they	PRON
bjmsr-2210	23	9	can	can	AUX
bjmsr-2210	23	10	save	save	VERB
bjmsr-2210	23	11	their	their	PRON
bjmsr-2210	23	12	time	time	NOUN
bjmsr-2210	23	13	and	and	CCONJ
bjmsr-2210	23	14	money	money	NOUN
bjmsr-2210	23	15	(	(	PUNCT
bjmsr-2210	23	16	hossain	hossain	PROPN
bjmsr-2210	23	17	&	&	CCONJ
bjmsr-2210	23	18	alam	alam	PROPN
bjmsr-2210	23	19	,	,	PUNCT
bjmsr-2210	23	20	2022	2022	NUM
bjmsr-2210	23	21	)	)	PUNCT
bjmsr-2210	23	22	.	.	PUNCT
bjmsr-2210	24	1	then	then	ADV
bjmsr-2210	24	2	,	,	PUNCT
bjmsr-2210	24	3	the	the	DET
bjmsr-2210	24	4	enormous	enormous	ADJ
bjmsr-2210	24	5	growth	growth	NOUN
bjmsr-2210	24	6	of	of	ADP
bjmsr-2210	24	7	social	social	ADJ
bjmsr-2210	24	8	media	medium	NOUN
bjmsr-2210	24	9	usage	usage	NOUN
bjmsr-2210	24	10	and	and	CCONJ
bjmsr-2210	24	11	the	the	DET
bjmsr-2210	24	12	relevant	relevant	ADJ
bjmsr-2210	24	13	social	social	ADJ
bjmsr-2210	24	14	media	medium	NOUN
bjmsr-2210	24	15	tools	tool	NOUN
bjmsr-2210	24	16	paved	pave	VERB
bjmsr-2210	24	17	the	the	DET
bjmsr-2210	24	18	way	way	NOUN
bjmsr-2210	24	19	for	for	SCONJ
bjmsr-2210	24	20	various	various	ADJ
bjmsr-2210	24	21	business	business	NOUN
bjmsr-2210	24	22	organizations	organization	NOUN
bjmsr-2210	24	23	to	to	PART
bjmsr-2210	24	24	make	make	VERB
bjmsr-2210	24	25	their	their	PRON
bjmsr-2210	24	26	business	business	NOUN
bjmsr-2210	24	27	outreach	outreach	NOUN
bjmsr-2210	24	28	an	an	DET
bjmsr-2210	24	29	effective	effective	ADJ
bjmsr-2210	24	30	strategic	strategic	ADJ
bjmsr-2210	24	31	model	model	NOUN
bjmsr-2210	24	32	(	(	PUNCT
bjmsr-2210	24	33	saleem	saleem	PROPN
bjmsr-2210	24	34	et	et	PROPN
bjmsr-2210	24	35	al	al	PROPN
bjmsr-2210	24	36	.	.	PROPN
bjmsr-2210	24	37	,	,	PUNCT
bjmsr-2210	24	38	2023	2023	NUM
bjmsr-2210	24	39	)	)	PUNCT
bjmsr-2210	24	40	.	.	PUNCT
bjmsr-2210	25	1	compared	compare	VERB
bjmsr-2210	25	2	to	to	ADP
bjmsr-2210	25	3	traditional	traditional	ADJ
bjmsr-2210	25	4	banking	banking	NOUN
bjmsr-2210	25	5	services	service	NOUN
bjmsr-2210	25	6	,	,	PUNCT
bjmsr-2210	25	7	present	present	ADJ
bjmsr-2210	25	8	-	-	PUNCT
bjmsr-2210	25	9	day	day	NOUN
bjmsr-2210	25	10	banking	banking	NOUN
bjmsr-2210	25	11	,	,	PUNCT
bjmsr-2210	25	12	i.e.	i.e.	X
bjmsr-2210	25	13	,	,	PUNCT
bjmsr-2210	25	14	core	core	ADJ
bjmsr-2210	25	15	banking	banking	NOUN
bjmsr-2210	25	16	solutions	solution	NOUN
bjmsr-2210	25	17	,	,	PUNCT
bjmsr-2210	25	18	is	be	AUX
bjmsr-2210	25	19	engulfed	engulf	VERB
bjmsr-2210	25	20	with	with	ADP
bjmsr-2210	25	21	multistage	multistage	NOUN
bjmsr-2210	25	22	transformations	transformation	NOUN
bjmsr-2210	25	23	that	that	PRON
bjmsr-2210	25	24	have	have	AUX
bjmsr-2210	25	25	evolved	evolve	VERB
bjmsr-2210	25	26	from	from	ADP
bjmsr-2210	25	27	paper	paper	NOUN
bjmsr-2210	25	28	-	-	PUNCT
bjmsr-2210	25	29	based	base	VERB
bjmsr-2210	25	30	to	to	ADP
bjmsr-2210	25	31	paperless	paperless	NOUN
bjmsr-2210	25	32	transactions	transaction	NOUN
bjmsr-2210	25	33	,	,	PUNCT
bjmsr-2210	25	34	especially	especially	ADV
bjmsr-2210	25	35	with	with	ADP
bjmsr-2210	25	36	ict	ict	PROPN
bjmsr-2210	25	37	-	-	PUNCT
bjmsr-2210	25	38	backed	back	VERB
bjmsr-2210	25	39	banking	banking	NOUN
bjmsr-2210	25	40	transactions	transaction	NOUN
bjmsr-2210	25	41	.	.	PUNCT
bjmsr-2210	26	1	globalization	globalization	NOUN
bjmsr-2210	26	2	paved	pave	VERB
bjmsr-2210	26	3	the	the	DET
bjmsr-2210	26	4	way	way	NOUN
bjmsr-2210	26	5	for	for	ADP
bjmsr-2210	26	6	the	the	DET
bjmsr-2210	26	7	emergence	emergence	NOUN
bjmsr-2210	26	8	of	of	ADP
bjmsr-2210	26	9	foreign	foreign	ADJ
bjmsr-2210	26	10	banks	bank	NOUN
bjmsr-2210	26	11	with	with	ADP
bjmsr-2210	26	12	attractive	attractive	ADJ
bjmsr-2210	26	13	products	product	NOUN
bjmsr-2210	26	14	and	and	CCONJ
bjmsr-2210	26	15	services	service	NOUN
bjmsr-2210	26	16	;	;	PUNCT
bjmsr-2210	26	17	these	these	PRON
bjmsr-2210	26	18	compelled	compel	VERB
bjmsr-2210	26	19	indian	indian	ADJ
bjmsr-2210	26	20	banks	bank	NOUN
bjmsr-2210	26	21	to	to	PART
bjmsr-2210	26	22	move	move	VERB
bjmsr-2210	26	23	from	from	ADP
bjmsr-2210	26	24	traditional	traditional	ADJ
bjmsr-2210	26	25	to	to	ADP
bjmsr-2210	26	26	ict	ict	PROPN
bjmsr-2210	26	27	-	-	PUNCT
bjmsr-2210	26	28	based	base	VERB
bjmsr-2210	26	29	transactions	transaction	NOUN
bjmsr-2210	26	30	.	.	PUNCT
bjmsr-2210	27	1	incorporating	incorporate	VERB
bjmsr-2210	27	2	new	new	ADJ
bjmsr-2210	27	3	models	model	NOUN
bjmsr-2210	27	4	has	have	AUX
bjmsr-2210	27	5	become	become	VERB
bjmsr-2210	27	6	inevitable	inevitable	ADJ
bjmsr-2210	27	7	for	for	SCONJ
bjmsr-2210	27	8	every	every	DET
bjmsr-2210	27	9	entity	entity	NOUN
bjmsr-2210	27	10	to	to	PART
bjmsr-2210	27	11	sustain	sustain	VERB
bjmsr-2210	27	12	and	and	CCONJ
bjmsr-2210	27	13	compete	compete	VERB
bjmsr-2210	27	14	in	in	ADP
bjmsr-2210	27	15	the	the	DET
bjmsr-2210	27	16	contemporary	contemporary	ADJ
bjmsr-2210	27	17	,	,	PUNCT
bjmsr-2210	27	18	competitive	competitive	ADJ
bjmsr-2210	27	19	,	,	PUNCT
bjmsr-2210	27	20	and	and	CCONJ
bjmsr-2210	27	21	well	well	ADV
bjmsr-2210	27	22	-	-	PUNCT
bjmsr-2210	27	23	developed	develop	VERB
bjmsr-2210	27	24	technology	technology	NOUN
bjmsr-2210	27	25	-	-	PUNCT
bjmsr-2210	27	26	based	base	VERB
bjmsr-2210	27	27	industry	industry	NOUN
bjmsr-2210	27	28	.	.	PUNCT
bjmsr-2210	28	1	the	the	DET
bjmsr-2210	28	2	adoption	adoption	NOUN
bjmsr-2210	28	3	of	of	ADP
bjmsr-2210	28	4	online	online	ADJ
bjmsr-2210	28	5	banking	banking	NOUN
bjmsr-2210	28	6	gained	gain	VERB
bjmsr-2210	28	7	momentum	momentum	NOUN
bjmsr-2210	28	8	during	during	ADP
bjmsr-2210	28	9	the	the	DET
bjmsr-2210	28	10	covid	covid	PROPN
bjmsr-2210	28	11	19	19	NUM
bjmsr-2210	28	12	for	for	ADP
bjmsr-2210	28	13	performing	perform	VERB
bjmsr-2210	28	14	routine	routine	ADJ
bjmsr-2210	28	15	banking	banking	NOUN
bjmsr-2210	28	16	functions	function	NOUN
bjmsr-2210	28	17	and	and	CCONJ
bjmsr-2210	28	18	effective	effective	ADJ
bjmsr-2210	28	19	communication	communication	NOUN
bjmsr-2210	28	20	channels	channel	NOUN
bjmsr-2210	28	21	between	between	ADP
bjmsr-2210	28	22	customers	customer	NOUN
bjmsr-2210	28	23	and	and	CCONJ
bjmsr-2210	28	24	banking	banking	NOUN
bjmsr-2210	28	25	personnel	personnel	NOUN
bjmsr-2210	28	26	(	(	PUNCT
bjmsr-2210	28	27	khan	khan	PROPN
bjmsr-2210	28	28	et	et	PROPN
bjmsr-2210	28	29	al	al	PROPN
bjmsr-2210	28	30	.	.	PROPN
bjmsr-2210	28	31	,	,	PUNCT
bjmsr-2210	28	32	2021	2021	NUM
bjmsr-2210	28	33	;	;	PUNCT
bjmsr-2210	28	34	sreejesh	sreejesh	NOUN
bjmsr-2210	28	35	et	et	PROPN
bjmsr-2210	28	36	al	al	PROPN
bjmsr-2210	28	37	.	.	PROPN
bjmsr-2210	28	38	,	,	PUNCT
bjmsr-2210	28	39	2020	2020	NUM
bjmsr-2210	28	40	)	)	PUNCT
bjmsr-2210	28	41	.	.	PUNCT
bjmsr-2210	29	1	the	the	DET
bjmsr-2210	29	2	advancement	advancement	NOUN
bjmsr-2210	29	3	of	of	ADP
bjmsr-2210	29	4	ict	ict	PROPN
bjmsr-2210	29	5	has	have	AUX
bjmsr-2210	29	6	stuck	stick	VERB
bjmsr-2210	29	7	every	every	DET
bjmsr-2210	29	8	industry	industry	NOUN
bjmsr-2210	29	9	worldwide	worldwide	ADV
bjmsr-2210	29	10	in	in	ADP
bjmsr-2210	29	11	adopting	adopt	VERB
bjmsr-2210	29	12	new	new	ADJ
bjmsr-2210	29	13	,	,	PUNCT
bjmsr-2210	29	14	modern	modern	ADJ
bjmsr-2210	29	15	,	,	PUNCT
bjmsr-2210	29	16	and	and	CCONJ
bjmsr-2210	29	17	updated	update	VERB
bjmsr-2210	29	18	business	business	NOUN
bjmsr-2210	29	19	models	model	NOUN
bjmsr-2210	29	20	to	to	PART
bjmsr-2210	29	21	identify	identify	VERB
bjmsr-2210	29	22	and	and	CCONJ
bjmsr-2210	29	23	satisfy	satisfy	VERB
bjmsr-2210	29	24	customer	customer	NOUN
bjmsr-2210	29	25	needs	need	VERB
bjmsr-2210	29	26	through	through	ADP
bjmsr-2210	29	27	innovations	innovation	NOUN
bjmsr-2210	29	28	.	.	PUNCT
bjmsr-2210	30	1	the	the	DET
bjmsr-2210	30	2	banking	banking	NOUN
bjmsr-2210	30	3	industry	industry	NOUN
bjmsr-2210	30	4	is	be	AUX
bjmsr-2210	30	5	no	no	DET
bjmsr-2210	30	6	exception	exception	NOUN
bjmsr-2210	30	7	to	to	ADP
bjmsr-2210	30	8	this	this	DET
bjmsr-2210	30	9	transformation	transformation	NOUN
bjmsr-2210	30	10	.	.	PUNCT
bjmsr-2210	31	1	this	this	DET
bjmsr-2210	31	2	transformation	transformation	NOUN
bjmsr-2210	31	3	moved	move	VERB
bjmsr-2210	31	4	the	the	DET
bjmsr-2210	31	5	indian	indian	ADJ
bjmsr-2210	31	6	banking	banking	NOUN
bjmsr-2210	31	7	industry	industry	NOUN
bjmsr-2210	31	8	towards	towards	ADP
bjmsr-2210	31	9	developing	develop	VERB
bjmsr-2210	31	10	more	more	ADJ
bjmsr-2210	31	11	1corresponding	1corresponding	NUM
bjmsr-2210	31	12	author	author	NOUN
bjmsr-2210	31	13	:	:	PUNCT
bjmsr-2210	31	14	orcid	orcid	PROPN
bjmsr-2210	31	15	i	i	PRON
bjmsr-2210	31	16	d	d	NOUN
bjmsr-2210	31	17	:	:	PUNCT
bjmsr-2210	31	18	0000	0000	NUM
bjmsr-2210	31	19	-	-	PUNCT
bjmsr-2210	31	20	0002	0002	NUM
bjmsr-2210	31	21	-	-	PUNCT
bjmsr-2210	31	22	7190	7190	NUM
bjmsr-2210	31	23	-	-	PUNCT
bjmsr-2210	31	24	6382	6382	NUM
bjmsr-2210	31	25	©	©	ADP
bjmsr-2210	31	26	2024	2024	NUM
bjmsr-2210	31	27	by	by	ADP
bjmsr-2210	31	28	the	the	DET
bjmsr-2210	31	29	authors	author	NOUN
bjmsr-2210	31	30	.	.	PUNCT
bjmsr-2210	32	1	hosting	host	VERB
bjmsr-2210	32	2	by	by	ADP
bjmsr-2210	32	3	cribfb	cribfb	PROPN
bjmsr-2210	32	4	.	.	PUNCT
bjmsr-2210	33	1	peer	peer	NOUN
bjmsr-2210	33	2	review	review	NOUN
bjmsr-2210	33	3	under	under	ADP
bjmsr-2210	33	4	the	the	DET
bjmsr-2210	33	5	responsibility	responsibility	NOUN
bjmsr-2210	33	6	of	of	ADP
bjmsr-2210	33	7	cribfb	cribfb	PROPN
bjmsr-2210	33	8	,	,	PUNCT
bjmsr-2210	33	9	usa	usa	PROPN
bjmsr-2210	33	10	.	.	PUNCT
bjmsr-2210	34	1	https://doi.org/10.46281/bjmsr.v9i2.2210	https://doi.org/10.46281/bjmsr.v9i2.2210	PROPN
bjmsr-2210	34	2	to	to	PART
bjmsr-2210	34	3	cite	cite	VERB
bjmsr-2210	34	4	this	this	DET
bjmsr-2210	34	5	article	article	NOUN
bjmsr-2210	34	6	:	:	PUNCT
bjmsr-2210	34	7	ramasamy	ramasamy	PROPN
bjmsr-2210	34	8	,	,	PUNCT
bjmsr-2210	34	9	m.	m.	NOUN
bjmsr-2210	34	10	,	,	PUNCT
bjmsr-2210	34	11	subbiah	subbiah	PROPN
bjmsr-2210	34	12	,	,	PUNCT
bjmsr-2210	34	13	j.	j.	PROPN
bjmsr-2210	34	14	,	,	PUNCT
bjmsr-2210	34	15	bordoloi	bordoloi	PROPN
bjmsr-2210	34	16	,	,	PUNCT
bjmsr-2210	34	17	d.	d.	PROPN
bjmsr-2210	34	18	,	,	PUNCT
bjmsr-2210	34	19	&	&	CCONJ
bjmsr-2210	34	20	ramalingam	ramalingam	NOUN
bjmsr-2210	34	21	,	,	PUNCT
bjmsr-2210	34	22	p.	p.	NOUN
bjmsr-2210	34	23	(	(	PUNCT
bjmsr-2210	34	24	2024	2024	NUM
bjmsr-2210	34	25	)	)	PUNCT
bjmsr-2210	34	26	.	.	PUNCT
bjmsr-2210	35	1	bankers	banker	NOUN
bjmsr-2210	35	2	’	'	PUNCT
bjmsr-2210	35	3	perspective	perspective	NOUN
bjmsr-2210	35	4	on	on	ADP
bjmsr-2210	35	5	social	social	ADJ
bjmsr-2210	35	6	media	medium	NOUN
bjmsr-2210	35	7	banking	banking	NOUN
bjmsr-2210	35	8	:	:	PUNCT
bjmsr-2210	35	9	a	a	DET
bjmsr-2210	35	10	study	study	NOUN
bjmsr-2210	35	11	with	with	ADP
bjmsr-2210	35	12	special	special	ADJ
bjmsr-2210	35	13	reference	reference	NOUN
bjmsr-2210	35	14	to	to	PART
bjmsr-2210	35	15	select	select	VERB
bjmsr-2210	35	16	indian	indian	ADJ
bjmsr-2210	35	17	banks	bank	NOUN
bjmsr-2210	35	18	.	.	PUNCT
bjmsr-2210	36	1	bangladesh	bangladesh	PROPN
bjmsr-2210	36	2	journal	journal	PROPN
bjmsr-2210	36	3	of	of	ADP
bjmsr-2210	36	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	36	5	scientific	scientific	ADJ
bjmsr-2210	36	6	research	research	NOUN
bjmsr-2210	36	7	,	,	PUNCT
bjmsr-2210	36	8	9(2	9(2	NUM
bjmsr-2210	36	9	)	)	PUNCT
bjmsr-2210	36	10	,	,	PUNCT
bjmsr-2210	36	11	1	1	NUM
bjmsr-2210	36	12	-	-	SYM
bjmsr-2210	36	13	9	9	NUM
bjmsr-2210	36	14	.	.	PUNCT
bjmsr-2210	37	1	https://doi.org/10.46281/bjmsr.v9i2.2210	https://doi.org/10.46281/bjmsr.v9i2.2210	PROPN
bjmsr-2210	37	2	https://orcid.org/0000-0003-0638-6146	https://orcid.org/0000-0003-0638-6146	PROPN
bjmsr-2210	37	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2210	37	4	)	)	PUNCT
bjmsr-2210	37	5	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2210	37	6	)	)	PUNCT
bjmsr-2210	37	7	https://www.openaccess.nl/en	https://www.openaccess.nl/en	NOUN
bjmsr-2210	37	8	https://doi.org/10.46281/bjmsr.v9i2.2210	https://doi.org/10.46281/bjmsr.v9i2.2210	PROPN
bjmsr-2210	37	9	https://orcid.org/0000-0003-1818-7267	https://orcid.org/0000-0003-1818-7267	NOUN
bjmsr-2210	37	10	https://orcid.org/0000-0003-4354-3331	https://orcid.org/0000-0003-4354-3331	NOUN
bjmsr-2210	37	11	https://orcid.org/0000-0002-7190-6382	https://orcid.org/0000-0002-7190-6382	INTJ
bjmsr-2210	37	12	ramasamy	ramasamy	VERB
bjmsr-2210	37	13	et	et	PROPN
bjmsr-2210	37	14	al	al	PROPN
bjmsr-2210	37	15	.	.	PROPN
bjmsr-2210	37	16	,	,	PUNCT
bjmsr-2210	37	17	bangladesh	bangladesh	PROPN
bjmsr-2210	37	18	journal	journal	NOUN
bjmsr-2210	37	19	of	of	ADP
bjmsr-2210	37	20	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	37	21	scientific	scientific	ADJ
bjmsr-2210	37	22	research	research	NOUN
bjmsr-2210	37	23	9(2	9(2	NUM
bjmsr-2210	37	24	)	)	PUNCT
bjmsr-2210	37	25	(	(	PUNCT
bjmsr-2210	37	26	2024	2024	NUM
bjmsr-2210	37	27	)	)	PUNCT
bjmsr-2210	37	28	,	,	PUNCT
bjmsr-2210	37	29	1	1	NUM
bjmsr-2210	37	30	-	-	SYM
bjmsr-2210	37	31	9	9	NUM
bjmsr-2210	37	32	2	2	NUM
bjmsr-2210	37	33	innovative	innovative	ADJ
bjmsr-2210	37	34	products	product	NOUN
bjmsr-2210	37	35	and	and	CCONJ
bjmsr-2210	37	36	services	service	NOUN
bjmsr-2210	37	37	that	that	PRON
bjmsr-2210	37	38	align	align	VERB
bjmsr-2210	37	39	with	with	ADP
bjmsr-2210	37	40	ict	ict	NOUN
bjmsr-2210	37	41	for	for	ADP
bjmsr-2210	37	42	their	their	PRON
bjmsr-2210	37	43	customers	customer	NOUN
bjmsr-2210	37	44	.	.	PUNCT
bjmsr-2210	38	1	social	social	ADJ
bjmsr-2210	38	2	media	medium	NOUN
bjmsr-2210	38	3	,	,	PUNCT
bjmsr-2210	38	4	an	an	DET
bjmsr-2210	38	5	essential	essential	ADJ
bjmsr-2210	38	6	element	element	NOUN
bjmsr-2210	38	7	of	of	ADP
bjmsr-2210	38	8	ict	ict	PROPN
bjmsr-2210	38	9	,	,	PUNCT
bjmsr-2210	38	10	plays	play	VERB
bjmsr-2210	38	11	a	a	DET
bjmsr-2210	38	12	vital	vital	ADJ
bjmsr-2210	38	13	role	role	NOUN
bjmsr-2210	38	14	in	in	ADP
bjmsr-2210	38	15	this	this	DET
bjmsr-2210	38	16	tremendous	tremendous	ADJ
bjmsr-2210	38	17	technology	technology	NOUN
bjmsr-2210	38	18	transformation	transformation	NOUN
bjmsr-2210	38	19	in	in	ADP
bjmsr-2210	38	20	the	the	DET
bjmsr-2210	38	21	indian	indian	ADJ
bjmsr-2210	38	22	banking	banking	NOUN
bjmsr-2210	38	23	sector	sector	NOUN
bjmsr-2210	38	24	.	.	PUNCT
bjmsr-2210	39	1	most	most	ADJ
bjmsr-2210	39	2	indian	indian	ADJ
bjmsr-2210	39	3	banks	bank	NOUN
bjmsr-2210	39	4	use	use	VERB
bjmsr-2210	39	5	social	social	ADJ
bjmsr-2210	39	6	media	medium	NOUN
bjmsr-2210	39	7	for	for	ADP
bjmsr-2210	39	8	advertisement	advertisement	NOUN
bjmsr-2210	39	9	,	,	PUNCT
bjmsr-2210	39	10	customer	customer	NOUN
bjmsr-2210	39	11	relations	relation	NOUN
bjmsr-2210	39	12	,	,	PUNCT
bjmsr-2210	39	13	and	and	CCONJ
bjmsr-2210	39	14	marketing	marketing	NOUN
bjmsr-2210	39	15	communications	communication	NOUN
bjmsr-2210	39	16	,	,	PUNCT
bjmsr-2210	39	17	such	such	ADJ
bjmsr-2210	39	18	as	as	ADP
bjmsr-2210	39	19	products	product	NOUN
bjmsr-2210	39	20	and	and	CCONJ
bjmsr-2210	39	21	services	service	NOUN
bjmsr-2210	39	22	,	,	PUNCT
bjmsr-2210	39	23	but	but	CCONJ
bjmsr-2210	39	24	only	only	ADV
bjmsr-2210	39	25	a	a	DET
bjmsr-2210	39	26	few	few	ADJ
bjmsr-2210	39	27	banks	bank	NOUN
bjmsr-2210	39	28	offer	offer	VERB
bjmsr-2210	39	29	services	service	NOUN
bjmsr-2210	39	30	related	relate	VERB
bjmsr-2210	39	31	to	to	ADP
bjmsr-2210	39	32	social	social	ADJ
bjmsr-2210	39	33	media	medium	NOUN
bjmsr-2210	39	34	banking	banking	NOUN
bjmsr-2210	39	35	.	.	PUNCT
bjmsr-2210	40	1	social	social	ADJ
bjmsr-2210	40	2	media	medium	NOUN
bjmsr-2210	40	3	banking	banking	NOUN
bjmsr-2210	40	4	(	(	PUNCT
bjmsr-2210	40	5	smb	smb	PROPN
bjmsr-2210	40	6	)	)	PUNCT
bjmsr-2210	40	7	is	be	AUX
bjmsr-2210	40	8	an	an	DET
bjmsr-2210	40	9	electronic	electronic	ADJ
bjmsr-2210	40	10	banking	banking	NOUN
bjmsr-2210	40	11	channel	channel	NOUN
bjmsr-2210	40	12	enabling	enable	VERB
bjmsr-2210	40	13	users	user	NOUN
bjmsr-2210	40	14	to	to	PART
bjmsr-2210	40	15	perform	perform	VERB
bjmsr-2210	40	16	their	their	PRON
bjmsr-2210	40	17	banking	banking	NOUN
bjmsr-2210	40	18	services	service	NOUN
bjmsr-2210	40	19	and	and	CCONJ
bjmsr-2210	40	20	operations	operation	NOUN
bjmsr-2210	40	21	through	through	ADP
bjmsr-2210	40	22	social	social	ADJ
bjmsr-2210	40	23	media	medium	NOUN
bjmsr-2210	40	24	.	.	PUNCT
bjmsr-2210	41	1	some	some	PRON
bjmsr-2210	41	2	of	of	ADP
bjmsr-2210	41	3	the	the	DET
bjmsr-2210	41	4	smb	smb	PROPN
bjmsr-2210	41	5	services	service	NOUN
bjmsr-2210	41	6	availed	avail	VERB
bjmsr-2210	41	7	in	in	ADP
bjmsr-2210	41	8	indian	indian	ADJ
bjmsr-2210	41	9	commercial	commercial	ADJ
bjmsr-2210	41	10	banks	bank	NOUN
bjmsr-2210	41	11	include	include	VERB
bjmsr-2210	41	12	view	view	NOUN
bjmsr-2210	41	13	balance	balance	NOUN
bjmsr-2210	41	14	,	,	PUNCT
bjmsr-2210	41	15	mini	mini	NOUN
bjmsr-2210	41	16	-	-	NOUN
bjmsr-2210	41	17	statement	statement	NOUN
bjmsr-2210	41	18	,	,	PUNCT
bjmsr-2210	41	19	monthly	monthly	ADJ
bjmsr-2210	41	20	spend	spend	NOUN
bjmsr-2210	41	21	,	,	PUNCT
bjmsr-2210	41	22	block	block	NOUN
bjmsr-2210	41	23	atm	atm	NOUN
bjmsr-2210	41	24	debit	debit	NOUN
bjmsr-2210	41	25	card	card	NOUN
bjmsr-2210	41	26	,	,	PUNCT
bjmsr-2210	41	27	fund	fund	NOUN
bjmsr-2210	41	28	transfer	transfer	NOUN
bjmsr-2210	41	29	and	and	CCONJ
bjmsr-2210	41	30	p2p	p2p	NOUN
bjmsr-2210	41	31	money	money	NOUN
bjmsr-2210	41	32	transfer	transfer	NOUN
bjmsr-2210	41	33	,	,	PUNCT
bjmsr-2210	41	34	etc	etc	X
bjmsr-2210	41	35	;	;	PUNCT
bjmsr-2210	41	36	social	social	ADJ
bjmsr-2210	41	37	media	medium	NOUN
bjmsr-2210	41	38	has	have	AUX
bjmsr-2210	41	39	been	be	AUX
bjmsr-2210	41	40	a	a	DET
bjmsr-2210	41	41	great	great	ADJ
bjmsr-2210	41	42	influencer	influencer	NOUN
bjmsr-2210	41	43	on	on	ADP
bjmsr-2210	41	44	the	the	DET
bjmsr-2210	41	45	purchase	purchase	NOUN
bjmsr-2210	41	46	process	process	NOUN
bjmsr-2210	41	47	is	be	AUX
bjmsr-2210	41	48	deep	deep	ADV
bjmsr-2210	41	49	-	-	PUNCT
bjmsr-2210	41	50	rooted	rooted	ADJ
bjmsr-2210	41	51	in	in	ADP
bjmsr-2210	41	52	the	the	DET
bjmsr-2210	41	53	recent	recent	ADJ
bjmsr-2210	41	54	past	past	NOUN
bjmsr-2210	41	55	(	(	PUNCT
bjmsr-2210	41	56	jin	jin	PROPN
bjmsr-2210	41	57	&	&	CCONJ
bjmsr-2210	41	58	muqaddam	muqaddam	PROPN
bjmsr-2210	41	59	,	,	PUNCT
bjmsr-2210	41	60	2019	2019	NUM
bjmsr-2210	41	61	;	;	PUNCT
bjmsr-2210	41	62	masuda	masuda	PROPN
bjmsr-2210	41	63	et	et	PROPN
bjmsr-2210	41	64	al	al	PROPN
bjmsr-2210	41	65	.	.	PROPN
bjmsr-2210	41	66	,	,	PUNCT
bjmsr-2210	41	67	2022	2022	NUM
bjmsr-2210	41	68	)	)	PUNCT
bjmsr-2210	41	69	.	.	PUNCT
bjmsr-2210	42	1	though	though	SCONJ
bjmsr-2210	42	2	numerous	numerous	ADJ
bjmsr-2210	42	3	technological	technological	ADJ
bjmsr-2210	42	4	advancements	advancement	NOUN
bjmsr-2210	42	5	have	have	AUX
bjmsr-2210	42	6	happened	happen	VERB
bjmsr-2210	42	7	in	in	ADP
bjmsr-2210	42	8	the	the	DET
bjmsr-2210	42	9	indian	indian	ADJ
bjmsr-2210	42	10	banking	banking	NOUN
bjmsr-2210	42	11	sector	sector	NOUN
bjmsr-2210	42	12	,	,	PUNCT
bjmsr-2210	42	13	customer	customer	NOUN
bjmsr-2210	42	14	relations	relation	NOUN
bjmsr-2210	42	15	and	and	CCONJ
bjmsr-2210	42	16	successful	successful	ADJ
bjmsr-2210	42	17	implementation	implementation	NOUN
bjmsr-2210	42	18	of	of	ADP
bjmsr-2210	42	19	such	such	ADJ
bjmsr-2210	42	20	advancements	advancement	NOUN
bjmsr-2210	42	21	are	be	AUX
bjmsr-2210	42	22	possible	possible	ADJ
bjmsr-2210	42	23	only	only	ADV
bjmsr-2210	42	24	with	with	ADP
bjmsr-2210	42	25	the	the	DET
bjmsr-2210	42	26	help	help	NOUN
bjmsr-2210	42	27	of	of	ADP
bjmsr-2210	42	28	bank	bank	NOUN
bjmsr-2210	42	29	personnel	personnel	NOUN
bjmsr-2210	42	30	,	,	PUNCT
bjmsr-2210	42	31	especially	especially	ADV
bjmsr-2210	42	32	the	the	DET
bjmsr-2210	42	33	managers	manager	NOUN
bjmsr-2210	42	34	,	,	PUNCT
bjmsr-2210	42	35	officers	officer	NOUN
bjmsr-2210	42	36	and	and	CCONJ
bjmsr-2210	42	37	clerks	clerk	NOUN
bjmsr-2210	42	38	.	.	PUNCT
bjmsr-2210	43	1	bank	bank	NOUN
bjmsr-2210	43	2	personnel	personnel	NOUN
bjmsr-2210	43	3	are	be	AUX
bjmsr-2210	43	4	fiduciary	fiduciary	ADJ
bjmsr-2210	43	5	in	in	ADP
bjmsr-2210	43	6	customer	customer	NOUN
bjmsr-2210	43	7	relations	relation	NOUN
bjmsr-2210	43	8	,	,	PUNCT
bjmsr-2210	43	9	dispute	dispute	NOUN
bjmsr-2210	43	10	redressal	redressal	NOUN
bjmsr-2210	43	11	feedback	feedback	NOUN
bjmsr-2210	43	12	systems	system	NOUN
bjmsr-2210	43	13	,	,	PUNCT
bjmsr-2210	43	14	etc	etc	X
bjmsr-2210	43	15	.	.	X
bjmsr-2210	43	16	thus	thus	ADV
bjmsr-2210	43	17	,	,	PUNCT
bjmsr-2210	43	18	the	the	DET
bjmsr-2210	43	19	success	success	NOUN
bjmsr-2210	43	20	of	of	ADP
bjmsr-2210	43	21	technological	technological	ADJ
bjmsr-2210	43	22	advancements	advancement	NOUN
bjmsr-2210	43	23	and	and	CCONJ
bjmsr-2210	43	24	advocacy	advocacy	NOUN
bjmsr-2210	43	25	to	to	ADP
bjmsr-2210	43	26	the	the	DET
bjmsr-2210	43	27	respective	respective	ADJ
bjmsr-2210	43	28	stakeholders	stakeholder	NOUN
bjmsr-2210	43	29	are	be	AUX
bjmsr-2210	43	30	measured	measure	VERB
bjmsr-2210	43	31	through	through	ADP
bjmsr-2210	43	32	the	the	DET
bjmsr-2210	43	33	banker	banker	NOUN
bjmsr-2210	43	34	's	's	PART
bjmsr-2210	43	35	perspective	perspective	NOUN
bjmsr-2210	43	36	.	.	PUNCT
bjmsr-2210	44	1	here	here	ADV
bjmsr-2210	44	2	,	,	PUNCT
bjmsr-2210	44	3	the	the	DET
bjmsr-2210	44	4	study	study	NOUN
bjmsr-2210	44	5	conceded	concede	VERB
bjmsr-2210	44	6	to	to	ADP
bjmsr-2210	44	7	using	use	VERB
bjmsr-2210	44	8	social	social	ADJ
bjmsr-2210	44	9	media	medium	NOUN
bjmsr-2210	44	10	adoption	adoption	NOUN
bjmsr-2210	44	11	in	in	ADP
bjmsr-2210	44	12	banks	bank	NOUN
bjmsr-2210	44	13	for	for	ADP
bjmsr-2210	44	14	various	various	ADJ
bjmsr-2210	44	15	reasons	reason	NOUN
bjmsr-2210	44	16	.	.	PUNCT
bjmsr-2210	45	1	the	the	DET
bjmsr-2210	45	2	benefits	benefit	NOUN
bjmsr-2210	45	3	and	and	CCONJ
bjmsr-2210	45	4	challenges	challenge	NOUN
bjmsr-2210	45	5	of	of	ADP
bjmsr-2210	45	6	social	social	ADJ
bjmsr-2210	45	7	media	medium	NOUN
bjmsr-2210	45	8	banking	banking	NOUN
bjmsr-2210	45	9	are	be	AUX
bjmsr-2210	45	10	vital	vital	ADJ
bjmsr-2210	45	11	variables	variable	NOUN
bjmsr-2210	45	12	that	that	PRON
bjmsr-2210	45	13	measure	measure	VERB
bjmsr-2210	45	14	the	the	DET
bjmsr-2210	45	15	banker	banker	NOUN
bjmsr-2210	45	16	's	's	PART
bjmsr-2210	45	17	perspective	perspective	NOUN
bjmsr-2210	45	18	on	on	ADP
bjmsr-2210	45	19	social	social	ADJ
bjmsr-2210	45	20	media	medium	NOUN
bjmsr-2210	45	21	banking	banking	NOUN
bjmsr-2210	45	22	services	service	NOUN
bjmsr-2210	45	23	from	from	ADP
bjmsr-2210	45	24	sbi	sbi	PROPN
bjmsr-2210	45	25	,	,	PUNCT
bjmsr-2210	45	26	icici	icici	PROPN
bjmsr-2210	45	27	,	,	PUNCT
bjmsr-2210	45	28	hdfc	hdfc	NOUN
bjmsr-2210	45	29	,	,	PUNCT
bjmsr-2210	45	30	and	and	CCONJ
bjmsr-2210	45	31	indusind	indusind	ADJ
bjmsr-2210	45	32	banks	bank	NOUN
bjmsr-2210	45	33	.	.	PUNCT
bjmsr-2210	46	1	the	the	DET
bjmsr-2210	46	2	internet	internet	NOUN
bjmsr-2210	46	3	,	,	PUNCT
bjmsr-2210	46	4	mobile	mobile	NOUN
bjmsr-2210	46	5	,	,	PUNCT
bjmsr-2210	46	6	and	and	CCONJ
bjmsr-2210	46	7	social	social	ADJ
bjmsr-2210	46	8	media	medium	NOUN
bjmsr-2210	46	9	are	be	AUX
bjmsr-2210	46	10	booming	boom	VERB
bjmsr-2210	46	11	and	and	CCONJ
bjmsr-2210	46	12	have	have	AUX
bjmsr-2210	46	13	become	become	VERB
bjmsr-2210	46	14	essential	essential	ADJ
bjmsr-2210	46	15	to	to	ADP
bjmsr-2210	46	16	people	people	NOUN
bjmsr-2210	46	17	's	's	PART
bjmsr-2210	46	18	lives	life	NOUN
bjmsr-2210	46	19	and	and	CCONJ
bjmsr-2210	46	20	businesses	business	NOUN
bjmsr-2210	46	21	'	'	PART
bjmsr-2210	46	22	ability	ability	NOUN
bjmsr-2210	46	23	to	to	PART
bjmsr-2210	46	24	sustain	sustain	VERB
bjmsr-2210	46	25	themselves	themselves	PRON
bjmsr-2210	46	26	in	in	ADP
bjmsr-2210	46	27	a	a	DET
bjmsr-2210	46	28	dynamic	dynamic	ADJ
bjmsr-2210	46	29	environment	environment	NOUN
bjmsr-2210	46	30	.	.	PUNCT
bjmsr-2210	47	1	a	a	DET
bjmsr-2210	47	2	significant	significant	ADJ
bjmsr-2210	47	3	impact	impact	NOUN
bjmsr-2210	47	4	of	of	ADP
bjmsr-2210	47	5	the	the	DET
bjmsr-2210	47	6	banking	banking	NOUN
bjmsr-2210	47	7	business	business	NOUN
bjmsr-2210	47	8	persists	persist	VERB
bjmsr-2210	47	9	in	in	ADP
bjmsr-2210	47	10	individual	individual	ADJ
bjmsr-2210	47	11	life	life	NOUN
bjmsr-2210	47	12	and	and	CCONJ
bjmsr-2210	47	13	country	country	NOUN
bjmsr-2210	47	14	development	development	NOUN
bjmsr-2210	47	15	.	.	PUNCT
bjmsr-2210	48	1	according	accord	VERB
bjmsr-2210	48	2	to	to	ADP
bjmsr-2210	48	3	the	the	DET
bjmsr-2210	48	4	statistics	statistic	NOUN
bjmsr-2210	48	5	from	from	ADP
bjmsr-2210	48	6	digital	digital	ADJ
bjmsr-2210	48	7	2022	2022	NUM
bjmsr-2210	48	8	:	:	PUNCT
bjmsr-2210	48	9	global	global	ADJ
bjmsr-2210	48	10	overview	overview	NOUN
bjmsr-2210	48	11	report	report	NOUN
bjmsr-2210	48	12	,	,	PUNCT
bjmsr-2210	48	13	the	the	DET
bjmsr-2210	48	14	mobile	mobile	ADJ
bjmsr-2210	48	15	phone	phone	NOUN
bjmsr-2210	48	16	,	,	PUNCT
bjmsr-2210	48	17	internet	internet	NOUN
bjmsr-2210	48	18	and	and	CCONJ
bjmsr-2210	48	19	social	social	ADJ
bjmsr-2210	48	20	media	medium	NOUN
bjmsr-2210	48	21	users	user	NOUN
bjmsr-2210	48	22	are	be	AUX
bjmsr-2210	48	23	67	67	NUM
bjmsr-2210	48	24	(	(	PUNCT
bjmsr-2210	48	25	5.31	5.31	NUM
bjmsr-2210	48	26	bn	bn	NUM
bjmsr-2210	48	27	)	)	PUNCT
bjmsr-2210	48	28	,	,	PUNCT
bjmsr-2210	48	29	63	63	NUM
bjmsr-2210	48	30	(	(	PUNCT
bjmsr-2210	48	31	4.95	4.95	NUM
bjmsr-2210	48	32	bn	bn	NOUN
bjmsr-2210	48	33	)	)	PUNCT
bjmsr-2210	48	34	and	and	CCONJ
bjmsr-2210	48	35	58	58	NUM
bjmsr-2210	48	36	(	(	PUNCT
bjmsr-2210	48	37	4.62	4.62	NUM
bjmsr-2210	48	38	bn	bn	NOUN
bjmsr-2210	48	39	)	)	PUNCT
bjmsr-2210	48	40	per	per	ADP
bjmsr-2210	48	41	cent	cent	NOUN
bjmsr-2210	48	42	among	among	ADP
bjmsr-2210	48	43	the	the	DET
bjmsr-2210	48	44	world	world	NOUN
bjmsr-2210	48	45	's	's	PART
bjmsr-2210	48	46	total	total	ADJ
bjmsr-2210	48	47	population	population	NOUN
bjmsr-2210	48	48	7.91	7.91	NUM
bjmsr-2210	48	49	billion	billion	NUM
bjmsr-2210	48	50	(	(	PUNCT
bjmsr-2210	48	51	kemp	kemp	PROPN
bjmsr-2210	48	52	,	,	PUNCT
bjmsr-2210	48	53	2022	2022	NUM
bjmsr-2210	48	54	)	)	PUNCT
bjmsr-2210	48	55	.	.	PUNCT
bjmsr-2210	49	1	thus	thus	ADV
bjmsr-2210	49	2	,	,	PUNCT
bjmsr-2210	49	3	the	the	DET
bjmsr-2210	49	4	social	social	ADJ
bjmsr-2210	49	5	media	medium	NOUN
bjmsr-2210	49	6	population	population	NOUN
bjmsr-2210	49	7	is	be	AUX
bjmsr-2210	49	8	more	more	ADJ
bjmsr-2210	49	9	than	than	ADP
bjmsr-2210	49	10	any	any	DET
bjmsr-2210	49	11	country	country	NOUN
bjmsr-2210	49	12	in	in	ADP
bjmsr-2210	49	13	the	the	DET
bjmsr-2210	49	14	world	world	NOUN
bjmsr-2210	49	15	and	and	CCONJ
bjmsr-2210	49	16	provides	provide	VERB
bjmsr-2210	49	17	a	a	DET
bjmsr-2210	49	18	practical	practical	ADJ
bjmsr-2210	49	19	business	business	NOUN
bjmsr-2210	49	20	environment	environment	NOUN
bjmsr-2210	49	21	,	,	PUNCT
bjmsr-2210	49	22	which	which	PRON
bjmsr-2210	49	23	furnishes	furnish	VERB
bjmsr-2210	49	24	motivational	motivational	ADJ
bjmsr-2210	49	25	thought	thought	NOUN
bjmsr-2210	49	26	to	to	ADP
bjmsr-2210	49	27	the	the	DET
bjmsr-2210	49	28	researcher	researcher	NOUN
bjmsr-2210	49	29	to	to	PART
bjmsr-2210	49	30	research	research	VERB
bjmsr-2210	49	31	social	social	ADJ
bjmsr-2210	49	32	media	medium	NOUN
bjmsr-2210	49	33	banking	banking	NOUN
bjmsr-2210	49	34	services	service	NOUN
bjmsr-2210	49	35	.	.	PUNCT
bjmsr-2210	50	1	the	the	DET
bjmsr-2210	50	2	study	study	NOUN
bjmsr-2210	50	3	aims	aim	VERB
bjmsr-2210	50	4	to	to	PART
bjmsr-2210	50	5	determine	determine	VERB
bjmsr-2210	50	6	the	the	DET
bjmsr-2210	50	7	reasons	reason	NOUN
bjmsr-2210	50	8	for	for	ADP
bjmsr-2210	50	9	social	social	ADJ
bjmsr-2210	50	10	media	medium	NOUN
bjmsr-2210	50	11	adoption	adoption	NOUN
bjmsr-2210	50	12	in	in	ADP
bjmsr-2210	50	13	banks	bank	NOUN
bjmsr-2210	50	14	from	from	ADP
bjmsr-2210	50	15	a	a	DET
bjmsr-2210	50	16	banker	banker	NOUN
bjmsr-2210	50	17	's	's	PART
bjmsr-2210	50	18	perspective	perspective	NOUN
bjmsr-2210	50	19	.	.	PUNCT
bjmsr-2210	51	1	another	another	DET
bjmsr-2210	51	2	aim	aim	NOUN
bjmsr-2210	51	3	is	be	AUX
bjmsr-2210	51	4	to	to	PART
bjmsr-2210	51	5	analyze	analyze	VERB
bjmsr-2210	51	6	the	the	DET
bjmsr-2210	51	7	benefits	benefit	NOUN
bjmsr-2210	51	8	and	and	CCONJ
bjmsr-2210	51	9	challenges	challenge	NOUN
bjmsr-2210	51	10	of	of	ADP
bjmsr-2210	51	11	smb	smb	NOUN
bjmsr-2210	51	12	services	service	NOUN
bjmsr-2210	51	13	from	from	ADP
bjmsr-2210	51	14	a	a	DET
bjmsr-2210	51	15	banker	banker	NOUN
bjmsr-2210	51	16	's	's	PART
bjmsr-2210	51	17	perspective	perspective	NOUN
bjmsr-2210	51	18	.	.	PUNCT
bjmsr-2210	52	1	the	the	DET
bjmsr-2210	52	2	final	final	ADJ
bjmsr-2210	52	3	objective	objective	NOUN
bjmsr-2210	52	4	is	be	AUX
bjmsr-2210	52	5	to	to	PART
bjmsr-2210	52	6	assess	assess	VERB
bjmsr-2210	52	7	the	the	DET
bjmsr-2210	52	8	effect	effect	NOUN
bjmsr-2210	52	9	of	of	ADP
bjmsr-2210	52	10	demographic	demographic	ADJ
bjmsr-2210	52	11	variables	variable	NOUN
bjmsr-2210	52	12	on	on	ADP
bjmsr-2210	52	13	social	social	ADJ
bjmsr-2210	52	14	media	medium	NOUN
bjmsr-2210	52	15	adoption	adoption	NOUN
bjmsr-2210	52	16	in	in	ADP
bjmsr-2210	52	17	banks	bank	NOUN
bjmsr-2210	52	18	and	and	CCONJ
bjmsr-2210	52	19	the	the	DET
bjmsr-2210	52	20	benefits	benefit	NOUN
bjmsr-2210	52	21	and	and	CCONJ
bjmsr-2210	52	22	challenges	challenge	NOUN
bjmsr-2210	52	23	of	of	ADP
bjmsr-2210	52	24	social	social	ADJ
bjmsr-2210	52	25	media	medium	NOUN
bjmsr-2210	52	26	banking	banking	NOUN
bjmsr-2210	52	27	.	.	PUNCT
bjmsr-2210	53	1	the	the	DET
bjmsr-2210	53	2	remaining	remain	VERB
bjmsr-2210	53	3	paper	paper	NOUN
bjmsr-2210	53	4	structure	structure	NOUN
bjmsr-2210	53	5	includes	include	VERB
bjmsr-2210	53	6	section	section	NOUN
bjmsr-2210	53	7	2	2	NUM
bjmsr-2210	53	8	,	,	PUNCT
bjmsr-2210	53	9	which	which	PRON
bjmsr-2210	53	10	reviews	review	VERB
bjmsr-2210	53	11	the	the	DET
bjmsr-2210	53	12	existing	exist	VERB
bjmsr-2210	53	13	literature	literature	NOUN
bjmsr-2210	53	14	on	on	ADP
bjmsr-2210	53	15	social	social	ADJ
bjmsr-2210	53	16	media	medium	NOUN
bjmsr-2210	53	17	banking	banking	NOUN
bjmsr-2210	53	18	.	.	PUNCT
bjmsr-2210	54	1	section	section	NOUN
bjmsr-2210	54	2	3	3	NUM
bjmsr-2210	54	3	details	detail	NOUN
bjmsr-2210	54	4	the	the	DET
bjmsr-2210	54	5	study	study	NOUN
bjmsr-2210	54	6	's	's	PART
bjmsr-2210	54	7	methodology	methodology	NOUN
bjmsr-2210	54	8	.	.	PUNCT
bjmsr-2210	55	1	results	result	NOUN
bjmsr-2210	55	2	and	and	CCONJ
bjmsr-2210	55	3	discussions	discussion	NOUN
bjmsr-2210	55	4	are	be	AUX
bjmsr-2210	55	5	presented	present	VERB
bjmsr-2210	55	6	in	in	ADP
bjmsr-2210	55	7	section	section	NOUN
bjmsr-2210	55	8	4	4	NUM
bjmsr-2210	55	9	and	and	CCONJ
bjmsr-2210	55	10	the	the	DET
bjmsr-2210	55	11	study	study	NOUN
bjmsr-2210	55	12	's	's	PART
bjmsr-2210	55	13	conclusion	conclusion	NOUN
bjmsr-2210	55	14	is	be	AUX
bjmsr-2210	55	15	provided	provide	VERB
bjmsr-2210	55	16	in	in	ADP
bjmsr-2210	55	17	section	section	NOUN
bjmsr-2210	55	18	5	5	NUM
bjmsr-2210	55	19	.	.	PUNCT
bjmsr-2210	56	1	literature	literature	PROPN
bjmsr-2210	56	2	review	review	VERB
bjmsr-2210	56	3	the	the	DET
bjmsr-2210	56	4	conceptual	conceptual	ADJ
bjmsr-2210	56	5	framework	framework	NOUN
bjmsr-2210	56	6	,	,	PUNCT
bjmsr-2210	56	7	along	along	ADP
bjmsr-2210	56	8	with	with	ADP
bjmsr-2210	56	9	the	the	DET
bjmsr-2210	56	10	existing	exist	VERB
bjmsr-2210	56	11	research	research	NOUN
bjmsr-2210	56	12	work	work	NOUN
bjmsr-2210	56	13	done	do	VERB
bjmsr-2210	56	14	in	in	ADP
bjmsr-2210	56	15	social	social	ADJ
bjmsr-2210	56	16	media	medium	NOUN
bjmsr-2210	56	17	as	as	ADP
bjmsr-2210	56	18	a	a	DET
bjmsr-2210	56	19	tool	tool	NOUN
bjmsr-2210	56	20	for	for	ADP
bjmsr-2210	56	21	communication	communication	NOUN
bjmsr-2210	56	22	and	and	CCONJ
bjmsr-2210	56	23	social	social	ADJ
bjmsr-2210	56	24	media	medium	NOUN
bjmsr-2210	56	25	banking	banking	NOUN
bjmsr-2210	56	26	,	,	PUNCT
bjmsr-2210	56	27	is	be	AUX
bjmsr-2210	56	28	elaborated	elaborate	VERB
bjmsr-2210	56	29	in	in	ADP
bjmsr-2210	56	30	this	this	DET
bjmsr-2210	56	31	section	section	NOUN
bjmsr-2210	56	32	.	.	PUNCT
bjmsr-2210	57	1	danaiata	danaiata	PROPN
bjmsr-2210	57	2	et	et	PROPN
bjmsr-2210	57	3	al	al	PROPN
bjmsr-2210	57	4	.	.	PROPN
bjmsr-2210	58	1	(	(	PUNCT
bjmsr-2210	58	2	2014	2014	NUM
bjmsr-2210	58	3	)	)	PUNCT
bjmsr-2210	58	4	brought	bring	VERB
bjmsr-2210	58	5	out	out	ADP
bjmsr-2210	58	6	the	the	DET
bjmsr-2210	58	7	managerial	managerial	ADJ
bjmsr-2210	58	8	view	view	NOUN
bjmsr-2210	58	9	of	of	ADP
bjmsr-2210	58	10	the	the	DET
bjmsr-2210	58	11	usage	usage	NOUN
bjmsr-2210	58	12	of	of	ADP
bjmsr-2210	58	13	social	social	ADJ
bjmsr-2210	58	14	media	medium	NOUN
bjmsr-2210	58	15	in	in	ADP
bjmsr-2210	58	16	the	the	DET
bjmsr-2210	58	17	mexican	mexican	ADJ
bjmsr-2210	58	18	banking	banking	NOUN
bjmsr-2210	58	19	industry	industry	NOUN
bjmsr-2210	58	20	regarding	regard	VERB
bjmsr-2210	58	21	bank	bank	NOUN
bjmsr-2210	58	22	presence	presence	NOUN
bjmsr-2210	58	23	,	,	PUNCT
bjmsr-2210	58	24	barriers	barrier	NOUN
bjmsr-2210	58	25	and	and	CCONJ
bjmsr-2210	58	26	challenges	challenge	NOUN
bjmsr-2210	58	27	,	,	PUNCT
bjmsr-2210	58	28	and	and	CCONJ
bjmsr-2210	58	29	purposes	purpose	NOUN
bjmsr-2210	58	30	and	and	CCONJ
bjmsr-2210	58	31	benefits	benefit	NOUN
bjmsr-2210	58	32	of	of	ADP
bjmsr-2210	58	33	social	social	ADJ
bjmsr-2210	58	34	media	medium	NOUN
bjmsr-2210	58	35	in	in	ADP
bjmsr-2210	58	36	banks	bank	NOUN
bjmsr-2210	58	37	.	.	PUNCT
bjmsr-2210	59	1	the	the	DET
bjmsr-2210	59	2	study	study	NOUN
bjmsr-2210	59	3	found	find	VERB
bjmsr-2210	59	4	that	that	SCONJ
bjmsr-2210	59	5	mexican	mexican	ADJ
bjmsr-2210	59	6	banks	bank	NOUN
bjmsr-2210	59	7	have	have	VERB
bjmsr-2210	59	8	a	a	DET
bjmsr-2210	59	9	strong	strong	ADJ
bjmsr-2210	59	10	presence	presence	NOUN
bjmsr-2210	59	11	(	(	PUNCT
bjmsr-2210	59	12	90	90	NUM
bjmsr-2210	59	13	%	%	NOUN
bjmsr-2210	59	14	)	)	PUNCT
bjmsr-2210	59	15	in	in	ADP
bjmsr-2210	59	16	social	social	ADJ
bjmsr-2210	59	17	media	medium	NOUN
bjmsr-2210	59	18	,	,	PUNCT
bjmsr-2210	59	19	but	but	CCONJ
bjmsr-2210	59	20	only	only	ADV
bjmsr-2210	59	21	50	50	NUM
bjmsr-2210	59	22	to	to	PART
bjmsr-2210	59	23	60	60	NUM
bjmsr-2210	59	24	per	per	ADP
bjmsr-2210	59	25	cent	cent	NOUN
bjmsr-2210	59	26	of	of	ADP
bjmsr-2210	59	27	mexican	mexican	ADJ
bjmsr-2210	59	28	banks	bank	NOUN
bjmsr-2210	59	29	face	face	VERB
bjmsr-2210	59	30	barriers	barrier	NOUN
bjmsr-2210	59	31	and	and	CCONJ
bjmsr-2210	59	32	challenges	challenge	NOUN
bjmsr-2210	59	33	in	in	ADP
bjmsr-2210	59	34	social	social	ADJ
bjmsr-2210	59	35	media	medium	NOUN
bjmsr-2210	59	36	.	.	PUNCT
bjmsr-2210	60	1	also	also	ADV
bjmsr-2210	60	2	,	,	PUNCT
bjmsr-2210	60	3	banks	bank	NOUN
bjmsr-2210	60	4	are	be	AUX
bjmsr-2210	60	5	using	use	VERB
bjmsr-2210	60	6	intensively	intensively	ADV
bjmsr-2210	60	7	social	social	ADJ
bjmsr-2210	60	8	media	medium	NOUN
bjmsr-2210	60	9	for	for	ADP
bjmsr-2210	60	10	many	many	ADJ
bjmsr-2210	60	11	purposes	purpose	NOUN
bjmsr-2210	60	12	like	like	ADP
bjmsr-2210	60	13	brand	brand	NOUN
bjmsr-2210	60	14	strengthening	strengthening	NOUN
bjmsr-2210	60	15	,	,	PUNCT
bjmsr-2210	60	16	information	information	NOUN
bjmsr-2210	60	17	distribution	distribution	NOUN
bjmsr-2210	60	18	,	,	PUNCT
bjmsr-2210	60	19	etc	etc	X
bjmsr-2210	60	20	.	.	X
bjmsr-2210	60	21	,	,	PUNCT
bjmsr-2210	60	22	and	and	CCONJ
bjmsr-2210	60	23	they	they	PRON
bjmsr-2210	60	24	benefit	benefit	VERB
bjmsr-2210	60	25	from	from	ADP
bjmsr-2210	60	26	social	social	ADJ
bjmsr-2210	60	27	media	medium	NOUN
bjmsr-2210	60	28	through	through	ADP
bjmsr-2210	60	29	bank	bank	NOUN
bjmsr-2210	60	30	recognition	recognition	NOUN
bjmsr-2210	60	31	and	and	CCONJ
bjmsr-2210	60	32	reputation	reputation	NOUN
bjmsr-2210	60	33	.	.	PUNCT
bjmsr-2210	61	1	n.	n.	PROPN
bjmsr-2210	61	2	sharma	sharma	PROPN
bjmsr-2210	61	3	et	et	PROPN
bjmsr-2210	61	4	al	al	PROPN
bjmsr-2210	61	5	.	.	PROPN
bjmsr-2210	61	6	(	(	PUNCT
bjmsr-2210	61	7	2023	2023	NUM
bjmsr-2210	61	8	)	)	PUNCT
bjmsr-2210	61	9	investigated	investigate	VERB
bjmsr-2210	61	10	the	the	DET
bjmsr-2210	61	11	influence	influence	NOUN
bjmsr-2210	61	12	of	of	ADP
bjmsr-2210	61	13	social	social	ADJ
bjmsr-2210	61	14	media	medium	NOUN
bjmsr-2210	61	15	in	in	ADP
bjmsr-2210	61	16	selecting	select	VERB
bjmsr-2210	61	17	tourist	tourist	NOUN
bjmsr-2210	61	18	destinations	destination	NOUN
bjmsr-2210	61	19	.	.	PUNCT
bjmsr-2210	62	1	adopting	adopt	VERB
bjmsr-2210	62	2	purposive	purposive	ADJ
bjmsr-2210	62	3	sampling	sampling	NOUN
bjmsr-2210	62	4	of	of	ADP
bjmsr-2210	62	5	340	340	NUM
bjmsr-2210	62	6	visitors	visitor	NOUN
bjmsr-2210	62	7	at	at	ADP
bjmsr-2210	62	8	chandigarh	chandigarh	ADJ
bjmsr-2210	62	9	,	,	PUNCT
bjmsr-2210	62	10	mohali	mohali	PROPN
bjmsr-2210	62	11	,	,	PUNCT
bjmsr-2210	62	12	panchkula	panchkula	PROPN
bjmsr-2210	62	13	and	and	CCONJ
bjmsr-2210	62	14	delhi	delhi	PROPN
bjmsr-2210	62	15	,	,	PUNCT
bjmsr-2210	62	16	the	the	DET
bjmsr-2210	62	17	author	author	NOUN
bjmsr-2210	62	18	found	find	VERB
bjmsr-2210	62	19	that	that	SCONJ
bjmsr-2210	62	20	factors	factor	NOUN
bjmsr-2210	62	21	like	like	ADP
bjmsr-2210	62	22	performance	performance	NOUN
bjmsr-2210	62	23	expectancy	expectancy	NOUN
bjmsr-2210	62	24	,	,	PUNCT
bjmsr-2210	62	25	perceived	perceive	VERB
bjmsr-2210	62	26	risk	risk	NOUN
bjmsr-2210	62	27	and	and	CCONJ
bjmsr-2210	62	28	trust	trust	NOUN
bjmsr-2210	62	29	,	,	PUNCT
bjmsr-2210	62	30	social	social	ADJ
bjmsr-2210	62	31	influence	influence	NOUN
bjmsr-2210	62	32	,	,	PUNCT
bjmsr-2210	62	33	etc	etc	X
bjmsr-2210	62	34	.	.	X
bjmsr-2210	62	35	,	,	PUNCT
bjmsr-2210	62	36	are	be	AUX
bjmsr-2210	62	37	considered	consider	VERB
bjmsr-2210	62	38	by	by	ADP
bjmsr-2210	62	39	the	the	DET
bjmsr-2210	62	40	tourists	tourist	NOUN
bjmsr-2210	62	41	to	to	PART
bjmsr-2210	62	42	depend	depend	VERB
bjmsr-2210	62	43	on	on	ADP
bjmsr-2210	62	44	social	social	ADJ
bjmsr-2210	62	45	media	medium	NOUN
bjmsr-2210	62	46	in	in	ADP
bjmsr-2210	62	47	selecting	select	VERB
bjmsr-2210	62	48	the	the	DET
bjmsr-2210	62	49	destinations	destination	NOUN
bjmsr-2210	62	50	.	.	PUNCT
bjmsr-2210	63	1	s.	s.	PROPN
bjmsr-2210	63	2	sharma	sharma	PROPN
bjmsr-2210	63	3	(	(	PUNCT
bjmsr-2210	63	4	2023	2023	NUM
bjmsr-2210	63	5	)	)	PUNCT
bjmsr-2210	63	6	studied	study	VERB
bjmsr-2210	63	7	the	the	DET
bjmsr-2210	63	8	impact	impact	NOUN
bjmsr-2210	63	9	of	of	ADP
bjmsr-2210	63	10	the	the	DET
bjmsr-2210	63	11	expansion	expansion	NOUN
bjmsr-2210	63	12	of	of	ADP
bjmsr-2210	63	13	e	e	NOUN
bjmsr-2210	63	14	-	-	ADJ
bjmsr-2210	63	15	banking	banking	ADJ
bjmsr-2210	63	16	services	service	NOUN
bjmsr-2210	63	17	on	on	ADP
bjmsr-2210	63	18	financial	financial	ADJ
bjmsr-2210	63	19	performance	performance	NOUN
bjmsr-2210	63	20	measures	measure	NOUN
bjmsr-2210	63	21	using	use	VERB
bjmsr-2210	63	22	a	a	DET
bjmsr-2210	63	23	panel	panel	NOUN
bjmsr-2210	63	24	data	datum	NOUN
bjmsr-2210	63	25	analysis	analysis	NOUN
bjmsr-2210	63	26	.	.	PUNCT
bjmsr-2210	64	1	the	the	DET
bjmsr-2210	64	2	author	author	NOUN
bjmsr-2210	64	3	found	find	VERB
bjmsr-2210	64	4	mixed	mixed	ADJ
bjmsr-2210	64	5	results	result	NOUN
bjmsr-2210	64	6	of	of	ADP
bjmsr-2210	64	7	effects	effect	NOUN
bjmsr-2210	64	8	from	from	ADP
bjmsr-2210	64	9	the	the	DET
bjmsr-2210	64	10	study	study	NOUN
bjmsr-2210	64	11	,	,	PUNCT
bjmsr-2210	64	12	and	and	CCONJ
bjmsr-2210	64	13	the	the	DET
bjmsr-2210	64	14	author	author	NOUN
bjmsr-2210	64	15	highlights	highlight	VERB
bjmsr-2210	64	16	that	that	SCONJ
bjmsr-2210	64	17	there	there	PRON
bjmsr-2210	64	18	is	be	VERB
bjmsr-2210	64	19	a	a	DET
bjmsr-2210	64	20	change	change	NOUN
bjmsr-2210	64	21	in	in	ADP
bjmsr-2210	64	22	consumer	consumer	NOUN
bjmsr-2210	64	23	behaviour	behaviour	NOUN
bjmsr-2210	64	24	towards	towards	ADP
bjmsr-2210	64	25	e	e	NOUN
bjmsr-2210	64	26	-	-	ADJ
bjmsr-2210	64	27	banking	banking	ADJ
bjmsr-2210	64	28	service	service	NOUN
bjmsr-2210	64	29	adoption	adoption	NOUN
bjmsr-2210	64	30	in	in	ADP
bjmsr-2210	64	31	a	a	DET
bjmsr-2210	64	32	better	well	ADJ
bjmsr-2210	64	33	way	way	NOUN
bjmsr-2210	64	34	.	.	PUNCT
bjmsr-2210	65	1	agnihotri	agnihotri	PROPN
bjmsr-2210	65	2	et	et	PROPN
bjmsr-2210	65	3	al	al	PROPN
bjmsr-2210	65	4	.	.	PROPN
bjmsr-2210	66	1	(	(	PUNCT
bjmsr-2210	66	2	2022	2022	NUM
bjmsr-2210	66	3	)	)	PUNCT
bjmsr-2210	66	4	explore	explore	VERB
bjmsr-2210	66	5	the	the	DET
bjmsr-2210	66	6	bank	bank	NOUN
bjmsr-2210	66	7	industry	industry	NOUN
bjmsr-2210	66	8	's	's	PART
bjmsr-2210	66	9	complaints	complaint	NOUN
bjmsr-2210	66	10	management	management	NOUN
bjmsr-2210	66	11	during	during	ADP
bjmsr-2210	66	12	the	the	DET
bjmsr-2210	66	13	pandemic	pandemic	ADJ
bjmsr-2210	66	14	using	use	VERB
bjmsr-2210	66	15	social	social	ADJ
bjmsr-2210	66	16	media	medium	NOUN
bjmsr-2210	66	17	platforms	platform	NOUN
bjmsr-2210	66	18	.	.	PUNCT
bjmsr-2210	67	1	to	to	PART
bjmsr-2210	67	2	conduct	conduct	VERB
bjmsr-2210	67	3	the	the	DET
bjmsr-2210	67	4	study	study	NOUN
bjmsr-2210	67	5	,	,	PUNCT
bjmsr-2210	67	6	309	309	NUM
bjmsr-2210	67	7	samples	sample	NOUN
bjmsr-2210	67	8	were	be	AUX
bjmsr-2210	67	9	collected	collect	VERB
bjmsr-2210	67	10	using	use	VERB
bjmsr-2210	67	11	convenient	convenient	ADJ
bjmsr-2210	67	12	and	and	CCONJ
bjmsr-2210	67	13	random	random	ADJ
bjmsr-2210	67	14	sampling	sampling	NOUN
bjmsr-2210	67	15	techniques	technique	NOUN
bjmsr-2210	67	16	.	.	PUNCT
bjmsr-2210	68	1	based	base	VERB
bjmsr-2210	68	2	on	on	ADP
bjmsr-2210	68	3	the	the	DET
bjmsr-2210	68	4	findings	finding	NOUN
bjmsr-2210	68	5	,	,	PUNCT
bjmsr-2210	68	6	the	the	DET
bjmsr-2210	68	7	authors	author	NOUN
bjmsr-2210	68	8	conclude	conclude	VERB
bjmsr-2210	68	9	that	that	SCONJ
bjmsr-2210	68	10	adopting	adopt	VERB
bjmsr-2210	68	11	better	well	ADJ
bjmsr-2210	68	12	compliance	compliance	NOUN
bjmsr-2210	68	13	handling	handling	NOUN
bjmsr-2210	68	14	will	will	AUX
bjmsr-2210	68	15	decrease	decrease	VERB
bjmsr-2210	68	16	customer	customer	NOUN
bjmsr-2210	68	17	retaliation	retaliation	NOUN
bjmsr-2210	68	18	and	and	CCONJ
bjmsr-2210	68	19	negative	negative	ADJ
bjmsr-2210	68	20	ewom	ewom	NOUN
bjmsr-2210	68	21	.	.	PUNCT
bjmsr-2210	69	1	m.	m.	PROPN
bjmsr-2210	69	2	sharma	sharma	PROPN
bjmsr-2210	69	3	et	et	PROPN
bjmsr-2210	69	4	al	al	PROPN
bjmsr-2210	69	5	.	.	PROPN
bjmsr-2210	69	6	(	(	PUNCT
bjmsr-2210	69	7	2022	2022	NUM
bjmsr-2210	69	8	)	)	PUNCT
bjmsr-2210	69	9	went	go	VERB
bjmsr-2210	69	10	through	through	ADP
bjmsr-2210	69	11	the	the	DET
bjmsr-2210	69	12	sem	sem	NOUN
bjmsr-2210	69	13	and	and	CCONJ
bjmsr-2210	69	14	neural	neural	ADJ
bjmsr-2210	69	15	network	network	NOUN
bjmsr-2210	69	16	model	model	NOUN
bjmsr-2210	69	17	to	to	PART
bjmsr-2210	69	18	analyze	analyze	VERB
bjmsr-2210	69	19	the	the	DET
bjmsr-2210	69	20	impact	impact	NOUN
bjmsr-2210	69	21	of	of	ADP
bjmsr-2210	69	22	social	social	ADJ
bjmsr-2210	69	23	media	medium	NOUN
bjmsr-2210	69	24	on	on	ADP
bjmsr-2210	69	25	the	the	DET
bjmsr-2210	69	26	adoption	adoption	NOUN
bjmsr-2210	69	27	of	of	ADP
bjmsr-2210	69	28	m	m	NOUN
bjmsr-2210	69	29	-	-	PUNCT
bjmsr-2210	69	30	banking	banking	NOUN
bjmsr-2210	69	31	by	by	ADP
bjmsr-2210	69	32	young	young	ADJ
bjmsr-2210	69	33	consumers	consumer	NOUN
bjmsr-2210	69	34	.	.	PUNCT
bjmsr-2210	70	1	the	the	DET
bjmsr-2210	70	2	study	study	NOUN
bjmsr-2210	70	3	reveals	reveal	VERB
bjmsr-2210	70	4	that	that	SCONJ
bjmsr-2210	70	5	social	social	ADJ
bjmsr-2210	70	6	media	medium	NOUN
bjmsr-2210	70	7	enormously	enormously	ADV
bjmsr-2210	70	8	affects	affect	VERB
bjmsr-2210	70	9	consumers	consumer	NOUN
bjmsr-2210	70	10	'	'	PART
bjmsr-2210	70	11	adoption	adoption	NOUN
bjmsr-2210	70	12	of	of	ADP
bjmsr-2210	70	13	m	m	NOUN
bjmsr-2210	70	14	-	-	NOUN
bjmsr-2210	70	15	banking	banking	NOUN
bjmsr-2210	70	16	.	.	PUNCT
bjmsr-2210	71	1	fatma	fatma	PROPN
bjmsr-2210	71	2	et	et	PROPN
bjmsr-2210	71	3	al	al	PROPN
bjmsr-2210	71	4	.	.	PROPN
bjmsr-2210	71	5	(	(	PUNCT
bjmsr-2210	71	6	2020	2020	NUM
bjmsr-2210	71	7	)	)	PUNCT
bjmsr-2210	71	8	investigate	investigate	VERB
bjmsr-2210	71	9	the	the	DET
bjmsr-2210	71	10	importance	importance	NOUN
bjmsr-2210	71	11	of	of	ADP
bjmsr-2210	71	12	social	social	ADJ
bjmsr-2210	71	13	media	medium	NOUN
bjmsr-2210	71	14	for	for	ADP
bjmsr-2210	71	15	spreading	spread	VERB
bjmsr-2210	71	16	banking	banking	NOUN
bjmsr-2210	71	17	companies	company	NOUN
bjmsr-2210	71	18	'	'	PART
bjmsr-2210	71	19	csr	csr	NOUN
bjmsr-2210	71	20	engagement	engagement	NOUN
bjmsr-2210	71	21	to	to	ADP
bjmsr-2210	71	22	their	their	PRON
bjmsr-2210	71	23	customers	customer	NOUN
bjmsr-2210	71	24	.	.	PUNCT
bjmsr-2210	72	1	to	to	PART
bjmsr-2210	72	2	fulfil	fulfil	VERB
bjmsr-2210	72	3	the	the	DET
bjmsr-2210	72	4	objectives	objective	NOUN
bjmsr-2210	72	5	,	,	PUNCT
bjmsr-2210	72	6	the	the	DET
bjmsr-2210	72	7	authors	author	NOUN
bjmsr-2210	72	8	collected	collect	VERB
bjmsr-2210	72	9	primary	primary	ADJ
bjmsr-2210	72	10	data	datum	NOUN
bjmsr-2210	72	11	with	with	ADP
bjmsr-2210	72	12	a	a	DET
bjmsr-2210	72	13	sample	sample	NOUN
bjmsr-2210	72	14	size	size	NOUN
bjmsr-2210	72	15	239	239	NUM
bjmsr-2210	72	16	.	.	PUNCT
bjmsr-2210	73	1	using	use	VERB
bjmsr-2210	73	2	the	the	DET
bjmsr-2210	73	3	sem	sem	PROPN
bjmsr-2210	73	4	model	model	NOUN
bjmsr-2210	73	5	,	,	PUNCT
bjmsr-2210	73	6	the	the	DET
bjmsr-2210	73	7	study	study	NOUN
bjmsr-2210	73	8	finds	find	VERB
bjmsr-2210	73	9	that	that	SCONJ
bjmsr-2210	73	10	disseminating	disseminate	VERB
bjmsr-2210	73	11	csr	csr	NOUN
bjmsr-2210	73	12	information	information	NOUN
bjmsr-2210	73	13	on	on	ADP
bjmsr-2210	73	14	social	social	ADJ
bjmsr-2210	73	15	media	medium	NOUN
bjmsr-2210	73	16	significantly	significantly	ADV
bjmsr-2210	73	17	impacts	impact	VERB
bjmsr-2210	73	18	consumers	consumer	NOUN
bjmsr-2210	73	19	'	'	PART
bjmsr-2210	73	20	ewom	ewom	NOUN
bjmsr-2210	73	21	.	.	PUNCT
bjmsr-2210	74	1	kuchciak	kuchciak	PROPN
bjmsr-2210	74	2	and	and	CCONJ
bjmsr-2210	74	3	wiktorowicz	wiktorowicz	NOUN
bjmsr-2210	74	4	(	(	PUNCT
bjmsr-2210	74	5	2021	2021	NUM
bjmsr-2210	74	6	)	)	PUNCT
bjmsr-2210	74	7	examine	examine	VERB
bjmsr-2210	74	8	the	the	DET
bjmsr-2210	74	9	banks	bank	NOUN
bjmsr-2210	74	10	'	'	PART
bjmsr-2210	74	11	utilization	utilization	NOUN
bjmsr-2210	74	12	of	of	ADP
bjmsr-2210	74	13	various	various	ADJ
bjmsr-2210	74	14	social	social	ADJ
bjmsr-2210	74	15	media	medium	NOUN
bjmsr-2210	74	16	platforms	platform	NOUN
bjmsr-2210	74	17	to	to	PART
bjmsr-2210	74	18	provide	provide	VERB
bjmsr-2210	74	19	financial	financial	ADJ
bjmsr-2210	74	20	education	education	NOUN
bjmsr-2210	74	21	.	.	PUNCT
bjmsr-2210	75	1	the	the	DET
bjmsr-2210	75	2	empirical	empirical	ADJ
bjmsr-2210	75	3	study	study	NOUN
bjmsr-2210	75	4	used	use	VERB
bjmsr-2210	75	5	the	the	DET
bjmsr-2210	75	6	banks	bank	NOUN
bjmsr-2210	75	7	'	'	PART
bjmsr-2210	75	8	data	datum	NOUN
bjmsr-2210	75	9	collected	collect	VERB
bjmsr-2210	75	10	during	during	ADP
bjmsr-2210	75	11	the	the	DET
bjmsr-2210	75	12	study	study	NOUN
bjmsr-2210	75	13	period	period	NOUN
bjmsr-2210	75	14	.	.	PUNCT
bjmsr-2210	76	1	with	with	ADP
bjmsr-2210	76	2	the	the	DET
bjmsr-2210	76	3	help	help	NOUN
bjmsr-2210	76	4	of	of	ADP
bjmsr-2210	76	5	descriptive	descriptive	ADJ
bjmsr-2210	76	6	and	and	CCONJ
bjmsr-2210	76	7	cluster	cluster	NOUN
bjmsr-2210	76	8	analysis	analysis	NOUN
bjmsr-2210	76	9	,	,	PUNCT
bjmsr-2210	76	10	the	the	DET
bjmsr-2210	76	11	study	study	NOUN
bjmsr-2210	76	12	concludes	conclude	VERB
bjmsr-2210	76	13	that	that	SCONJ
bjmsr-2210	76	14	educational	educational	ADJ
bjmsr-2210	76	15	information	information	NOUN
bjmsr-2210	76	16	provided	provide	VERB
bjmsr-2210	76	17	by	by	ADP
bjmsr-2210	76	18	banks	bank	NOUN
bjmsr-2210	76	19	varied	varied	ADJ
bjmsr-2210	76	20	from	from	ADP
bjmsr-2210	76	21	channel	channel	NOUN
bjmsr-2210	76	22	to	to	ADP
bjmsr-2210	76	23	channel	channel	NOUN
bjmsr-2210	76	24	,	,	PUNCT
bjmsr-2210	76	25	and	and	CCONJ
bjmsr-2210	76	26	there	there	PRON
bjmsr-2210	76	27	was	be	VERB
bjmsr-2210	76	28	a	a	DET
bjmsr-2210	76	29	significant	significant	ADJ
bjmsr-2210	76	30	discrepancy	discrepancy	NOUN
bjmsr-2210	76	31	in	in	ADP
bjmsr-2210	76	32	content	content	NOUN
bjmsr-2210	76	33	provided	provide	VERB
bjmsr-2210	76	34	by	by	ADP
bjmsr-2210	76	35	the	the	DET
bjmsr-2210	76	36	cooperative	cooperative	ADJ
bjmsr-2210	76	37	and	and	CCONJ
bjmsr-2210	76	38	commercial	commercial	ADJ
bjmsr-2210	76	39	banks	bank	NOUN
bjmsr-2210	76	40	.	.	PUNCT
bjmsr-2210	77	1	charoensukmongkol	charoensukmongkol	NOUN
bjmsr-2210	77	2	and	and	CCONJ
bjmsr-2210	77	3	sasatanun	sasatanun	ADJ
bjmsr-2210	77	4	(	(	PUNCT
bjmsr-2210	77	5	2017	2017	NUM
bjmsr-2210	77	6	)	)	PUNCT
bjmsr-2210	77	7	explored	explore	VERB
bjmsr-2210	77	8	the	the	DET
bjmsr-2210	77	9	influence	influence	NOUN
bjmsr-2210	77	10	of	of	ADP
bjmsr-2210	77	11	social	social	ADJ
bjmsr-2210	77	12	media	medium	NOUN
bjmsr-2210	77	13	on	on	ADP
bjmsr-2210	77	14	business	business	NOUN
bjmsr-2210	77	15	performance	performance	NOUN
bjmsr-2210	77	16	.	.	PUNCT
bjmsr-2210	78	1	they	they	PRON
bjmsr-2210	78	2	found	find	VERB
bjmsr-2210	78	3	that	that	SCONJ
bjmsr-2210	78	4	companies	company	NOUN
bjmsr-2210	78	5	adopting	adopt	VERB
bjmsr-2210	78	6	social	social	ADJ
bjmsr-2210	78	7	media	medium	NOUN
bjmsr-2210	78	8	for	for	ADP
bjmsr-2210	78	9	building	build	VERB
bjmsr-2210	78	10	customer	customer	NOUN
bjmsr-2210	78	11	relationship	relationship	NOUN
bjmsr-2210	78	12	management	management	NOUN
bjmsr-2210	78	13	(	(	PUNCT
bjmsr-2210	78	14	crm	crm	NOUN
bjmsr-2210	78	15	)	)	PUNCT
bjmsr-2210	78	16	can	can	AUX
bjmsr-2210	78	17	have	have	AUX
bjmsr-2210	78	18	enhanced	enhance	VERB
bjmsr-2210	78	19	satisfaction	satisfaction	NOUN
bjmsr-2210	78	20	with	with	ADP
bjmsr-2210	78	21	their	their	PRON
bjmsr-2210	78	22	business	business	NOUN
bjmsr-2210	78	23	performance	performance	NOUN
bjmsr-2210	78	24	compared	compare	VERB
bjmsr-2210	78	25	to	to	ADP
bjmsr-2210	78	26	other	other	ADJ
bjmsr-2210	78	27	business	business	NOUN
bjmsr-2210	78	28	performance	performance	NOUN
bjmsr-2210	78	29	.	.	PUNCT
bjmsr-2210	79	1	the	the	DET
bjmsr-2210	79	2	authors	author	NOUN
bjmsr-2210	79	3	additionally	additionally	ADV
bjmsr-2210	79	4	recorded	record	VERB
bjmsr-2210	79	5	a	a	DET
bjmsr-2210	79	6	positive	positive	ADJ
bjmsr-2210	79	7	association	association	NOUN
bjmsr-2210	79	8	between	between	ADP
bjmsr-2210	79	9	improved	improve	VERB
bjmsr-2210	79	10	crm	crm	NOUN
bjmsr-2210	79	11	and	and	CCONJ
bjmsr-2210	79	12	corporation	corporation	NOUN
bjmsr-2210	79	13	sales	sale	NOUN
bjmsr-2210	79	14	.	.	PUNCT
bjmsr-2210	80	1	the	the	DET
bjmsr-2210	80	2	study	study	NOUN
bjmsr-2210	80	3	suggested	suggest	VERB
bjmsr-2210	80	4	that	that	SCONJ
bjmsr-2210	80	5	entrepreneurs	entrepreneur	NOUN
bjmsr-2210	80	6	who	who	PRON
bjmsr-2210	80	7	lack	lack	VERB
bjmsr-2210	80	8	the	the	DET
bjmsr-2210	80	9	social	social	ADJ
bjmsr-2210	80	10	skills	skill	NOUN
bjmsr-2210	80	11	to	to	PART
bjmsr-2210	80	12	interact	interact	VERB
bjmsr-2210	80	13	with	with	ADP
bjmsr-2210	80	14	customers	customer	NOUN
bjmsr-2210	80	15	and	and	CCONJ
bjmsr-2210	80	16	buyers	buyer	NOUN
bjmsr-2210	80	17	can	can	AUX
bjmsr-2210	80	18	use	use	VERB
bjmsr-2210	80	19	social	social	ADJ
bjmsr-2210	80	20	media	medium	NOUN
bjmsr-2210	80	21	marketing	marketing	NOUN
bjmsr-2210	80	22	,	,	PUNCT
bjmsr-2210	80	23	enabling	enable	VERB
bjmsr-2210	80	24	them	they	PRON
bjmsr-2210	80	25	to	to	PART
bjmsr-2210	80	26	compensate	compensate	VERB
bjmsr-2210	80	27	for	for	ADP
bjmsr-2210	80	28	their	their	PRON
bjmsr-2210	80	29	weaknesses	weakness	NOUN
bjmsr-2210	80	30	.	.	PUNCT
bjmsr-2210	81	1	yadav	yadav	PROPN
bjmsr-2210	81	2	(	(	PUNCT
bjmsr-2210	81	3	2017	2017	NUM
bjmsr-2210	81	4	)	)	PUNCT
bjmsr-2210	81	5	evaluated	evaluate	VERB
bjmsr-2210	81	6	the	the	DET
bjmsr-2210	81	7	benefits	benefit	NOUN
bjmsr-2210	81	8	of	of	ADP
bjmsr-2210	81	9	adopting	adopt	VERB
bjmsr-2210	81	10	social	social	ADJ
bjmsr-2210	81	11	media	medium	NOUN
bjmsr-2210	81	12	for	for	ADP
bjmsr-2210	81	13	promotional	promotional	ADJ
bjmsr-2210	81	14	activity	activity	NOUN
bjmsr-2210	81	15	.	.	PUNCT
bjmsr-2210	82	1	the	the	DET
bjmsr-2210	82	2	author	author	NOUN
bjmsr-2210	82	3	distinguished	distinguish	VERB
bjmsr-2210	82	4	that	that	PRON
bjmsr-2210	82	5	technology	technology	NOUN
bjmsr-2210	82	6	should	should	AUX
bjmsr-2210	82	7	be	be	AUX
bjmsr-2210	82	8	viewed	view	VERB
bjmsr-2210	82	9	as	as	ADP
bjmsr-2210	82	10	linking	link	VERB
bjmsr-2210	82	11	individuals	individual	NOUN
bjmsr-2210	82	12	instead	instead	ADV
bjmsr-2210	82	13	of	of	ADP
bjmsr-2210	82	14	customers	customer	NOUN
bjmsr-2210	82	15	.	.	PUNCT
bjmsr-2210	83	1	the	the	DET
bjmsr-2210	83	2	data	datum	NOUN
bjmsr-2210	83	3	were	be	AUX
bjmsr-2210	83	4	analyzed	analyze	VERB
bjmsr-2210	83	5	by	by	ADP
bjmsr-2210	83	6	using	use	VERB
bjmsr-2210	83	7	appropriate	appropriate	ADJ
bjmsr-2210	83	8	tools	tool	NOUN
bjmsr-2210	83	9	.	.	PUNCT
bjmsr-2210	84	1	ramasamy	ramasamy	NOUN
bjmsr-2210	84	2	et	et	PROPN
bjmsr-2210	84	3	al	al	PROPN
bjmsr-2210	84	4	.	.	PROPN
bjmsr-2210	84	5	,	,	PUNCT
bjmsr-2210	84	6	bangladesh	bangladesh	PROPN
bjmsr-2210	84	7	journal	journal	NOUN
bjmsr-2210	84	8	of	of	ADP
bjmsr-2210	84	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	84	10	scientific	scientific	ADJ
bjmsr-2210	84	11	research	research	NOUN
bjmsr-2210	84	12	9(2	9(2	NUM
bjmsr-2210	84	13	)	)	PUNCT
bjmsr-2210	84	14	(	(	PUNCT
bjmsr-2210	84	15	2024	2024	NUM
bjmsr-2210	84	16	)	)	PUNCT
bjmsr-2210	84	17	,	,	PUNCT
bjmsr-2210	84	18	1	1	NUM
bjmsr-2210	84	19	-	-	SYM
bjmsr-2210	84	20	9	9	NUM
bjmsr-2210	84	21	3	3	NUM
bjmsr-2210	84	22	it	it	PRON
bjmsr-2210	84	23	was	be	AUX
bjmsr-2210	84	24	found	find	VERB
bjmsr-2210	84	25	that	that	SCONJ
bjmsr-2210	84	26	the	the	DET
bjmsr-2210	84	27	benefits	benefit	NOUN
bjmsr-2210	84	28	of	of	ADP
bjmsr-2210	84	29	social	social	ADJ
bjmsr-2210	84	30	media	medium	NOUN
bjmsr-2210	84	31	promotion	promotion	NOUN
bjmsr-2210	84	32	help	help	NOUN
bjmsr-2210	84	33	communicate	communicate	VERB
bjmsr-2210	84	34	with	with	ADP
bjmsr-2210	84	35	customers	customer	NOUN
bjmsr-2210	84	36	without	without	ADP
bjmsr-2210	84	37	having	have	VERB
bjmsr-2210	84	38	any	any	DET
bjmsr-2210	84	39	intermediaries	intermediary	NOUN
bjmsr-2210	84	40	.	.	PUNCT
bjmsr-2210	85	1	social	social	ADJ
bjmsr-2210	85	2	media	medium	NOUN
bjmsr-2210	85	3	is	be	AUX
bjmsr-2210	85	4	also	also	ADV
bjmsr-2210	85	5	linked	link	VERB
bjmsr-2210	85	6	to	to	ADP
bjmsr-2210	85	7	the	the	DET
bjmsr-2210	85	8	customer	customer	NOUN
bjmsr-2210	85	9	feedback	feedback	NOUN
bjmsr-2210	85	10	system	system	NOUN
bjmsr-2210	85	11	and	and	CCONJ
bjmsr-2210	85	12	improved	improved	ADJ
bjmsr-2210	85	13	banking	banking	NOUN
bjmsr-2210	85	14	performance	performance	NOUN
bjmsr-2210	85	15	.	.	PUNCT
bjmsr-2210	86	1	as	as	ADP
bjmsr-2210	86	2	a	a	DET
bjmsr-2210	86	3	result	result	NOUN
bjmsr-2210	86	4	of	of	ADP
bjmsr-2210	86	5	the	the	DET
bjmsr-2210	86	6	growing	grow	VERB
bjmsr-2210	86	7	quality	quality	NOUN
bjmsr-2210	86	8	of	of	ADP
bjmsr-2210	86	9	social	social	ADJ
bjmsr-2210	86	10	media	medium	NOUN
bjmsr-2210	86	11	,	,	PUNCT
bjmsr-2210	86	12	nearly	nearly	ADV
bjmsr-2210	86	13	70	70	NUM
bjmsr-2210	86	14	%	%	NOUN
bjmsr-2210	86	15	of	of	ADP
bjmsr-2210	86	16	businesses	business	NOUN
bjmsr-2210	86	17	across	across	ADP
bjmsr-2210	86	18	the	the	DET
bjmsr-2210	86	19	globe	globe	NOUN
bjmsr-2210	86	20	exhibit	exhibit	VERB
bjmsr-2210	86	21	social	social	ADJ
bjmsr-2210	86	22	media	medium	NOUN
bjmsr-2210	86	23	participation	participation	NOUN
bjmsr-2210	86	24	.	.	PUNCT
bjmsr-2210	87	1	hence	hence	ADV
bjmsr-2210	87	2	,	,	PUNCT
bjmsr-2210	87	3	adopting	adopt	VERB
bjmsr-2210	87	4	social	social	ADJ
bjmsr-2210	87	5	media	medium	NOUN
bjmsr-2210	87	6	in	in	ADP
bjmsr-2210	87	7	banking	banking	NOUN
bjmsr-2210	87	8	operations	operation	NOUN
bjmsr-2210	87	9	enhances	enhance	VERB
bjmsr-2210	87	10	banks	bank	NOUN
bjmsr-2210	87	11	'	'	PART
bjmsr-2210	87	12	performance	performance	NOUN
bjmsr-2210	87	13	.	.	PUNCT
bjmsr-2210	88	1	jindal	jindal	NOUN
bjmsr-2210	88	2	(	(	PUNCT
bjmsr-2210	88	3	2016	2016	NUM
bjmsr-2210	88	4	)	)	PUNCT
bjmsr-2210	88	5	explored	explore	VERB
bjmsr-2210	88	6	the	the	DET
bjmsr-2210	88	7	meaning	meaning	NOUN
bjmsr-2210	88	8	and	and	CCONJ
bjmsr-2210	88	9	concept	concept	NOUN
bjmsr-2210	88	10	of	of	ADP
bjmsr-2210	88	11	e	e	NOUN
bjmsr-2210	88	12	-	-	NOUN
bjmsr-2210	88	13	banking	banking	NOUN
bjmsr-2210	88	14	and	and	CCONJ
bjmsr-2210	88	15	its	its	PRON
bjmsr-2210	88	16	types	type	NOUN
bjmsr-2210	88	17	,	,	PUNCT
bjmsr-2210	88	18	functions	function	NOUN
bjmsr-2210	88	19	,	,	PUNCT
bjmsr-2210	88	20	advantages	advantage	NOUN
bjmsr-2210	88	21	and	and	CCONJ
bjmsr-2210	88	22	challenges	challenge	NOUN
bjmsr-2210	88	23	.	.	PUNCT
bjmsr-2210	89	1	from	from	ADP
bjmsr-2210	89	2	the	the	DET
bjmsr-2210	89	3	analysis	analysis	NOUN
bjmsr-2210	89	4	,	,	PUNCT
bjmsr-2210	89	5	the	the	DET
bjmsr-2210	89	6	author	author	NOUN
bjmsr-2210	89	7	observed	observe	VERB
bjmsr-2210	89	8	that	that	SCONJ
bjmsr-2210	89	9	customers	customer	NOUN
bjmsr-2210	89	10	should	should	AUX
bjmsr-2210	89	11	get	get	VERB
bjmsr-2210	89	12	all	all	DET
bjmsr-2210	89	13	the	the	DET
bjmsr-2210	89	14	services	service	NOUN
bjmsr-2210	89	15	anywhere	anywhere	ADV
bjmsr-2210	89	16	,	,	PUNCT
bjmsr-2210	89	17	anytime	anytime	ADV
bjmsr-2210	89	18	,	,	PUNCT
bjmsr-2210	89	19	without	without	ADP
bjmsr-2210	89	20	any	any	DET
bjmsr-2210	89	21	confinement	confinement	NOUN
bjmsr-2210	89	22	from	from	ADP
bjmsr-2210	89	23	banks	bank	NOUN
bjmsr-2210	89	24	or	or	CCONJ
bjmsr-2210	89	25	bankers	banker	NOUN
bjmsr-2210	89	26	.	.	PUNCT
bjmsr-2210	90	1	even	even	ADV
bjmsr-2210	90	2	though	though	SCONJ
bjmsr-2210	90	3	banks	bank	NOUN
bjmsr-2210	90	4	are	be	AUX
bjmsr-2210	90	5	facing	face	VERB
bjmsr-2210	90	6	many	many	ADJ
bjmsr-2210	90	7	challenges	challenge	NOUN
bjmsr-2210	90	8	concerning	concern	VERB
bjmsr-2210	90	9	the	the	DET
bjmsr-2210	90	10	implementation	implementation	NOUN
bjmsr-2210	90	11	of	of	ADP
bjmsr-2210	90	12	ebanking	ebanking	ADJ
bjmsr-2210	90	13	services	service	NOUN
bjmsr-2210	90	14	,	,	PUNCT
bjmsr-2210	90	15	they	they	PRON
bjmsr-2210	90	16	have	have	VERB
bjmsr-2210	90	17	to	to	PART
bjmsr-2210	90	18	remember	remember	VERB
bjmsr-2210	90	19	that	that	SCONJ
bjmsr-2210	90	20	the	the	DET
bjmsr-2210	90	21	future	future	NOUN
bjmsr-2210	90	22	of	of	ADP
bjmsr-2210	90	23	banking	banking	NOUN
bjmsr-2210	90	24	in	in	ADP
bjmsr-2210	90	25	india	india	PROPN
bjmsr-2210	90	26	will	will	AUX
bjmsr-2210	90	27	be	be	AUX
bjmsr-2210	90	28	with	with	ADP
bjmsr-2210	90	29	e	e	NOUN
bjmsr-2210	90	30	-	-	NOUN
bjmsr-2210	90	31	banking	banking	NOUN
bjmsr-2210	90	32	.	.	PUNCT
bjmsr-2210	91	1	successful	successful	ADJ
bjmsr-2210	91	2	e	e	NOUN
bjmsr-2210	91	3	-	-	ADJ
bjmsr-2210	91	4	banking	banking	ADJ
bjmsr-2210	91	5	implementation	implementation	NOUN
bjmsr-2210	91	6	can	can	AUX
bjmsr-2210	91	7	help	help	VERB
bjmsr-2210	91	8	banks	bank	NOUN
bjmsr-2210	91	9	maximize	maximize	VERB
bjmsr-2210	91	10	profits	profit	NOUN
bjmsr-2210	91	11	and	and	CCONJ
bjmsr-2210	91	12	build	build	VERB
bjmsr-2210	91	13	an	an	DET
bjmsr-2210	91	14	attractive	attractive	ADJ
bjmsr-2210	91	15	customer	customer	NOUN
bjmsr-2210	91	16	base	base	NOUN
bjmsr-2210	91	17	.	.	PUNCT
bjmsr-2210	92	1	so	so	ADV
bjmsr-2210	92	2	,	,	PUNCT
bjmsr-2210	92	3	e	e	X
bjmsr-2210	92	4	-	-	NOUN
bjmsr-2210	92	5	banking	banking	NOUN
bjmsr-2210	92	6	has	have	AUX
bjmsr-2210	92	7	become	become	VERB
bjmsr-2210	92	8	essential	essential	ADJ
bjmsr-2210	92	9	to	to	ADP
bjmsr-2210	92	10	banking	banking	NOUN
bjmsr-2210	92	11	services	service	NOUN
bjmsr-2210	92	12	and	and	CCONJ
bjmsr-2210	92	13	can	can	AUX
bjmsr-2210	92	14	not	not	PART
bjmsr-2210	92	15	be	be	AUX
bjmsr-2210	92	16	avoided	avoid	VERB
bjmsr-2210	92	17	.	.	PUNCT
bjmsr-2210	93	1	the	the	DET
bjmsr-2210	93	2	bank	bank	NOUN
bjmsr-2210	93	3	,	,	PUNCT
bjmsr-2210	93	4	which	which	PRON
bjmsr-2210	93	5	adopts	adopt	VERB
bjmsr-2210	93	6	new	new	ADJ
bjmsr-2210	93	7	technologies	technology	NOUN
bjmsr-2210	93	8	and	and	CCONJ
bjmsr-2210	93	9	manages	manage	VERB
bjmsr-2210	93	10	customer	customer	NOUN
bjmsr-2210	93	11	necessities	necessity	NOUN
bjmsr-2210	93	12	,	,	PUNCT
bjmsr-2210	93	13	can	can	AUX
bjmsr-2210	93	14	only	only	ADV
bjmsr-2210	93	15	survive	survive	VERB
bjmsr-2210	93	16	in	in	ADP
bjmsr-2210	93	17	the	the	DET
bjmsr-2210	93	18	future	future	NOUN
bjmsr-2210	93	19	because	because	SCONJ
bjmsr-2210	93	20	young	young	ADJ
bjmsr-2210	93	21	generations	generation	NOUN
bjmsr-2210	93	22	have	have	AUX
bjmsr-2210	93	23	opined	opine	VERB
bjmsr-2210	93	24	that	that	SCONJ
bjmsr-2210	93	25	there	there	PRON
bjmsr-2210	93	26	are	be	VERB
bjmsr-2210	93	27	more	more	ADJ
bjmsr-2210	93	28	conveniences	convenience	NOUN
bjmsr-2210	93	29	and	and	CCONJ
bjmsr-2210	93	30	benefits	benefit	NOUN
bjmsr-2210	93	31	of	of	ADP
bjmsr-2210	93	32	ebanking	ebanking	NOUN
bjmsr-2210	93	33	.	.	PUNCT
bjmsr-2210	94	1	jussila	jussila	PROPN
bjmsr-2210	94	2	et	et	PROPN
bjmsr-2210	94	3	al	al	PROPN
bjmsr-2210	94	4	.	.	PROPN
bjmsr-2210	95	1	(	(	PUNCT
bjmsr-2210	95	2	2014	2014	NUM
bjmsr-2210	95	3	)	)	PUNCT
bjmsr-2210	95	4	evaluated	evaluate	VERB
bjmsr-2210	95	5	the	the	DET
bjmsr-2210	95	6	relationship	relationship	NOUN
bjmsr-2210	95	7	between	between	ADP
bjmsr-2210	95	8	social	social	ADJ
bjmsr-2210	95	9	media	medium	NOUN
bjmsr-2210	95	10	and	and	CCONJ
bjmsr-2210	95	11	its	its	PRON
bjmsr-2210	95	12	impact	impact	NOUN
bjmsr-2210	95	13	on	on	ADP
bjmsr-2210	95	14	business	business	NOUN
bjmsr-2210	95	15	-	-	PUNCT
bjmsr-2210	95	16	to	to	ADP
bjmsr-2210	95	17	-	-	PUNCT
bjmsr-2210	95	18	business	business	NOUN
bjmsr-2210	95	19	relationships	relationship	NOUN
bjmsr-2210	95	20	.	.	PUNCT
bjmsr-2210	96	1	this	this	DET
bjmsr-2210	96	2	study	study	NOUN
bjmsr-2210	96	3	aimed	aim	VERB
bjmsr-2210	96	4	to	to	PART
bjmsr-2210	96	5	identify	identify	VERB
bjmsr-2210	96	6	the	the	DET
bjmsr-2210	96	7	opportunities	opportunity	NOUN
bjmsr-2210	96	8	for	for	ADP
bjmsr-2210	96	9	adopting	adopt	VERB
bjmsr-2210	96	10	social	social	ADJ
bjmsr-2210	96	11	media	medium	NOUN
bjmsr-2210	96	12	to	to	PART
bjmsr-2210	96	13	build	build	VERB
bjmsr-2210	96	14	business	business	NOUN
bjmsr-2210	96	15	-	-	PUNCT
bjmsr-2210	96	16	business	business	NOUN
bjmsr-2210	96	17	relationships	relationship	NOUN
bjmsr-2210	96	18	.	.	PUNCT
bjmsr-2210	97	1	this	this	DET
bjmsr-2210	97	2	survey	survey	NOUN
bjmsr-2210	97	3	-	-	PUNCT
bjmsr-2210	97	4	based	base	VERB
bjmsr-2210	97	5	study	study	NOUN
bjmsr-2210	97	6	was	be	AUX
bjmsr-2210	97	7	conducted	conduct	VERB
bjmsr-2210	97	8	among	among	ADP
bjmsr-2210	97	9	companies	company	NOUN
bjmsr-2210	97	10	across	across	ADP
bjmsr-2210	97	11	many	many	ADJ
bjmsr-2210	97	12	industries	industry	NOUN
bjmsr-2210	97	13	.	.	PUNCT
bjmsr-2210	98	1	many	many	ADJ
bjmsr-2210	98	2	gaps	gap	NOUN
bjmsr-2210	98	3	between	between	ADP
bjmsr-2210	98	4	the	the	DET
bjmsr-2210	98	5	potential	potential	NOUN
bjmsr-2210	98	6	of	of	ADP
bjmsr-2210	98	7	social	social	ADJ
bjmsr-2210	98	8	media	medium	NOUN
bjmsr-2210	98	9	and	and	CCONJ
bjmsr-2210	98	10	its	its	PRON
bjmsr-2210	98	11	usage	usage	NOUN
bjmsr-2210	98	12	by	by	ADP
bjmsr-2210	98	13	b2b	b2b	NOUN
bjmsr-2210	98	14	marketers	marketer	NOUN
bjmsr-2210	98	15	were	be	AUX
bjmsr-2210	98	16	identified	identify	VERB
bjmsr-2210	98	17	as	as	ADP
bjmsr-2210	98	18	effective	effective	ADJ
bjmsr-2210	98	19	ways	way	NOUN
bjmsr-2210	98	20	to	to	PART
bjmsr-2210	98	21	build	build	VERB
bjmsr-2210	98	22	and	and	CCONJ
bjmsr-2210	98	23	maintain	maintain	VERB
bjmsr-2210	98	24	these	these	PRON
bjmsr-2210	98	25	.	.	PUNCT
bjmsr-2210	99	1	the	the	DET
bjmsr-2210	99	2	author	author	NOUN
bjmsr-2210	99	3	suggested	suggest	VERB
bjmsr-2210	99	4	that	that	SCONJ
bjmsr-2210	99	5	companies	company	NOUN
bjmsr-2210	99	6	exploit	exploit	VERB
bjmsr-2210	99	7	the	the	DET
bjmsr-2210	99	8	benefits	benefit	NOUN
bjmsr-2210	99	9	of	of	ADP
bjmsr-2210	99	10	social	social	ADJ
bjmsr-2210	99	11	media	medium	NOUN
bjmsr-2210	99	12	to	to	ADP
bjmsr-2210	99	13	the	the	DET
bjmsr-2210	99	14	fullest	full	ADJ
bjmsr-2210	99	15	.	.	PUNCT
bjmsr-2210	100	1	further	far	ADV
bjmsr-2210	100	2	,	,	PUNCT
bjmsr-2210	100	3	the	the	DET
bjmsr-2210	100	4	study	study	NOUN
bjmsr-2210	100	5	uncovered	uncover	VERB
bjmsr-2210	100	6	a	a	DET
bjmsr-2210	100	7	motivating	motivating	NOUN
bjmsr-2210	100	8	finding	find	VERB
bjmsr-2210	100	9	that	that	SCONJ
bjmsr-2210	100	10	social	social	ADJ
bjmsr-2210	100	11	media	media	NOUN
bjmsr-2210	100	12	usage	usage	NOUN
bjmsr-2210	100	13	was	be	AUX
bjmsr-2210	100	14	similar	similar	ADJ
bjmsr-2210	100	15	between	between	ADP
bjmsr-2210	100	16	firms	firm	NOUN
bjmsr-2210	100	17	despite	despite	SCONJ
bjmsr-2210	100	18	their	their	PRON
bjmsr-2210	100	19	size	size	NOUN
bjmsr-2210	100	20	and	and	CCONJ
bjmsr-2210	100	21	turnover	turnover	NOUN
bjmsr-2210	100	22	.	.	PUNCT
bjmsr-2210	101	1	the	the	DET
bjmsr-2210	101	2	author	author	NOUN
bjmsr-2210	101	3	has	have	AUX
bjmsr-2210	101	4	studied	study	VERB
bjmsr-2210	101	5	the	the	DET
bjmsr-2210	101	6	extent	extent	NOUN
bjmsr-2210	101	7	to	to	PART
bjmsr-2210	101	8	which	which	PRON
bjmsr-2210	101	9	financial	financial	ADJ
bjmsr-2210	101	10	institutions	institution	NOUN
bjmsr-2210	101	11	have	have	AUX
bjmsr-2210	101	12	used	use	VERB
bjmsr-2210	101	13	social	social	ADJ
bjmsr-2210	101	14	media	medium	NOUN
bjmsr-2210	101	15	in	in	ADP
bjmsr-2210	101	16	the	the	DET
bjmsr-2210	101	17	indian	indian	ADJ
bjmsr-2210	101	18	context	context	NOUN
bjmsr-2210	101	19	.	.	PUNCT
bjmsr-2210	102	1	the	the	DET
bjmsr-2210	102	2	study	study	NOUN
bjmsr-2210	102	3	results	result	NOUN
bjmsr-2210	102	4	revealed	reveal	VERB
bjmsr-2210	102	5	that	that	SCONJ
bjmsr-2210	102	6	banks	bank	NOUN
bjmsr-2210	102	7	use	use	VERB
bjmsr-2210	102	8	social	social	ADJ
bjmsr-2210	102	9	media	medium	NOUN
bjmsr-2210	102	10	to	to	PART
bjmsr-2210	102	11	explore	explore	VERB
bjmsr-2210	102	12	new	new	ADJ
bjmsr-2210	102	13	markets	market	NOUN
bjmsr-2210	102	14	,	,	PUNCT
bjmsr-2210	102	15	develop	develop	VERB
bjmsr-2210	102	16	new	new	ADJ
bjmsr-2210	102	17	ideas	idea	NOUN
bjmsr-2210	102	18	,	,	PUNCT
bjmsr-2210	102	19	connect	connect	VERB
bjmsr-2210	102	20	with	with	ADP
bjmsr-2210	102	21	customers	customer	NOUN
bjmsr-2210	102	22	,	,	PUNCT
bjmsr-2210	102	23	sell	sell	VERB
bjmsr-2210	102	24	products	product	NOUN
bjmsr-2210	102	25	and	and	CCONJ
bjmsr-2210	102	26	have	have	VERB
bjmsr-2210	102	27	effective	effective	ADJ
bjmsr-2210	102	28	customer	customer	NOUN
bjmsr-2210	102	29	relationship	relationship	NOUN
bjmsr-2210	102	30	management	management	NOUN
bjmsr-2210	102	31	(	(	PUNCT
bjmsr-2210	102	32	crm	crm	NOUN
bjmsr-2210	102	33	)	)	PUNCT
bjmsr-2210	102	34	.	.	PUNCT
bjmsr-2210	103	1	in	in	ADP
bjmsr-2210	103	2	the	the	DET
bjmsr-2210	103	3	case	case	NOUN
bjmsr-2210	103	4	of	of	ADP
bjmsr-2210	103	5	non	non	ADJ
bjmsr-2210	103	6	-	-	ADJ
bjmsr-2210	103	7	banking	banking	ADJ
bjmsr-2210	103	8	financial	financial	ADJ
bjmsr-2210	103	9	companies	company	NOUN
bjmsr-2210	103	10	(	(	PUNCT
bjmsr-2210	103	11	nbfcs	nbfc	NOUN
bjmsr-2210	103	12	)	)	PUNCT
bjmsr-2210	103	13	,	,	PUNCT
bjmsr-2210	103	14	social	social	ADJ
bjmsr-2210	103	15	media	medium	NOUN
bjmsr-2210	103	16	would	would	AUX
bjmsr-2210	103	17	be	be	AUX
bjmsr-2210	103	18	most	most	ADV
bjmsr-2210	103	19	helpful	helpful	ADJ
bjmsr-2210	103	20	in	in	ADP
bjmsr-2210	103	21	collecting	collect	VERB
bjmsr-2210	103	22	customers	customer	NOUN
bjmsr-2210	103	23	'	'	PART
bjmsr-2210	103	24	demographic	demographic	ADJ
bjmsr-2210	103	25	data	datum	NOUN
bjmsr-2210	103	26	,	,	PUNCT
bjmsr-2210	103	27	selling	sell	VERB
bjmsr-2210	103	28	products	product	NOUN
bjmsr-2210	103	29	to	to	ADP
bjmsr-2210	103	30	the	the	DET
bjmsr-2210	103	31	customers	customer	NOUN
bjmsr-2210	103	32	,	,	PUNCT
bjmsr-2210	103	33	and	and	CCONJ
bjmsr-2210	103	34	crm	crm	VERB
bjmsr-2210	103	35	through	through	ADP
bjmsr-2210	103	36	customer	customer	NOUN
bjmsr-2210	103	37	reviews	review	NOUN
bjmsr-2210	103	38	and	and	CCONJ
bjmsr-2210	103	39	feedback	feedback	NOUN
bjmsr-2210	103	40	(	(	PUNCT
bjmsr-2210	103	41	bawre	bawre	PROPN
bjmsr-2210	103	42	&	&	CCONJ
bjmsr-2210	103	43	kar	kar	PROPN
bjmsr-2210	103	44	,	,	PUNCT
bjmsr-2210	103	45	2019	2019	NUM
bjmsr-2210	103	46	)	)	PUNCT
bjmsr-2210	103	47	.	.	PUNCT
bjmsr-2210	104	1	successful	successful	ADJ
bjmsr-2210	104	2	social	social	ADJ
bjmsr-2210	104	3	media	medium	NOUN
bjmsr-2210	104	4	strategies	strategy	NOUN
bjmsr-2210	104	5	pave	pave	VERB
bjmsr-2210	104	6	the	the	DET
bjmsr-2210	104	7	way	way	NOUN
bjmsr-2210	104	8	for	for	ADP
bjmsr-2210	104	9	improved	improved	ADJ
bjmsr-2210	104	10	customer	customer	NOUN
bjmsr-2210	104	11	engagement	engagement	NOUN
bjmsr-2210	104	12	,	,	PUNCT
bjmsr-2210	104	13	brand	brand	NOUN
bjmsr-2210	104	14	awareness	awareness	NOUN
bjmsr-2210	104	15	and	and	CCONJ
bjmsr-2210	104	16	sentiment	sentiment	NOUN
bjmsr-2210	104	17	,	,	PUNCT
bjmsr-2210	104	18	and	and	CCONJ
bjmsr-2210	104	19	customer	customer	NOUN
bjmsr-2210	104	20	interactions	interaction	NOUN
bjmsr-2210	104	21	and	and	CCONJ
bjmsr-2210	104	22	loyalty	loyalty	NOUN
bjmsr-2210	104	23	(	(	PUNCT
bjmsr-2210	104	24	angelini	angelini	NOUN
bjmsr-2210	104	25	et	et	PROPN
bjmsr-2210	104	26	al	al	PROPN
bjmsr-2210	104	27	.	.	PROPN
bjmsr-2210	104	28	,	,	PUNCT
bjmsr-2210	104	29	2017	2017	NUM
bjmsr-2210	104	30	)	)	PUNCT
bjmsr-2210	104	31	.	.	PUNCT
bjmsr-2210	105	1	mutero	mutero	PROPN
bjmsr-2210	105	2	winfred	winfred	PROPN
bjmsr-2210	105	3	njeri	njeri	PROPN
bjmsr-2210	105	4	has	have	AUX
bjmsr-2210	105	5	examined	examine	VERB
bjmsr-2210	105	6	the	the	DET
bjmsr-2210	105	7	effect	effect	NOUN
bjmsr-2210	105	8	of	of	ADP
bjmsr-2210	105	9	social	social	ADJ
bjmsr-2210	105	10	media	medium	NOUN
bjmsr-2210	105	11	engagement	engagement	NOUN
bjmsr-2210	105	12	on	on	ADP
bjmsr-2210	105	13	the	the	DET
bjmsr-2210	105	14	financial	financial	ADJ
bjmsr-2210	105	15	performance	performance	NOUN
bjmsr-2210	105	16	of	of	ADP
bjmsr-2210	105	17	kenyan	kenyan	ADJ
bjmsr-2210	105	18	commercial	commercial	ADJ
bjmsr-2210	105	19	banks	bank	NOUN
bjmsr-2210	105	20	in	in	ADP
bjmsr-2210	105	21	terms	term	NOUN
bjmsr-2210	105	22	of	of	ADP
bjmsr-2210	105	23	revenue	revenue	NOUN
bjmsr-2210	105	24	growth	growth	NOUN
bjmsr-2210	105	25	,	,	PUNCT
bjmsr-2210	105	26	loan	loan	NOUN
bjmsr-2210	105	27	portfolio	portfolio	NOUN
bjmsr-2210	105	28	,	,	PUNCT
bjmsr-2210	105	29	and	and	CCONJ
bjmsr-2210	105	30	customer	customer	NOUN
bjmsr-2210	105	31	acquisition	acquisition	NOUN
bjmsr-2210	105	32	costs	cost	NOUN
bjmsr-2210	105	33	of	of	ADP
bjmsr-2210	105	34	sample	sample	NOUN
bjmsr-2210	105	35	banks	bank	NOUN
bjmsr-2210	105	36	taken	take	VERB
bjmsr-2210	105	37	for	for	ADP
bjmsr-2210	105	38	the	the	DET
bjmsr-2210	105	39	study	study	NOUN
bjmsr-2210	105	40	.	.	PUNCT
bjmsr-2210	106	1	the	the	DET
bjmsr-2210	106	2	results	result	NOUN
bjmsr-2210	106	3	found	find	VERB
bjmsr-2210	106	4	positive	positive	ADJ
bjmsr-2210	106	5	effects	effect	NOUN
bjmsr-2210	106	6	on	on	ADP
bjmsr-2210	106	7	bank	bank	NOUN
bjmsr-2210	106	8	financial	financial	ADJ
bjmsr-2210	106	9	performance	performance	NOUN
bjmsr-2210	106	10	by	by	ADP
bjmsr-2210	106	11	having	have	VERB
bjmsr-2210	106	12	more	more	ADJ
bjmsr-2210	106	13	revenue	revenue	NOUN
bjmsr-2210	106	14	,	,	PUNCT
bjmsr-2210	106	15	increased	increase	VERB
bjmsr-2210	106	16	loan	loan	NOUN
bjmsr-2210	106	17	portfolio	portfolio	NOUN
bjmsr-2210	106	18	and	and	CCONJ
bjmsr-2210	106	19	less	less	ADJ
bjmsr-2210	106	20	customer	customer	NOUN
bjmsr-2210	106	21	acquisition	acquisition	NOUN
bjmsr-2210	106	22	costs	cost	NOUN
bjmsr-2210	106	23	since	since	SCONJ
bjmsr-2210	106	24	social	social	ADJ
bjmsr-2210	106	25	media	medium	NOUN
bjmsr-2210	106	26	interaction	interaction	NOUN
bjmsr-2210	106	27	on	on	ADP
bjmsr-2210	106	28	banks	bank	NOUN
bjmsr-2210	106	29	with	with	ADP
bjmsr-2210	106	30	customers	customer	NOUN
bjmsr-2210	106	31	was	be	AUX
bjmsr-2210	106	32	established	establish	VERB
bjmsr-2210	106	33	(	(	PUNCT
bjmsr-2210	106	34	mutero	mutero	NOUN
bjmsr-2210	106	35	,	,	PUNCT
bjmsr-2210	106	36	2014	2014	NUM
bjmsr-2210	106	37	)	)	PUNCT
bjmsr-2210	106	38	.	.	PUNCT
bjmsr-2210	107	1	swami	swami	PROPN
bjmsr-2210	107	2	et	et	PROPN
bjmsr-2210	107	3	al	al	PROPN
bjmsr-2210	107	4	.	.	PROPN
bjmsr-2210	108	1	(	(	PUNCT
bjmsr-2210	108	2	2018	2018	NUM
bjmsr-2210	108	3	)	)	PUNCT
bjmsr-2210	108	4	investigated	investigate	VERB
bjmsr-2210	108	5	the	the	DET
bjmsr-2210	108	6	facebook	facebook	NOUN
bjmsr-2210	108	7	adoption	adoption	NOUN
bjmsr-2210	108	8	rate	rate	NOUN
bjmsr-2210	108	9	in	in	ADP
bjmsr-2210	108	10	indian	indian	ADJ
bjmsr-2210	108	11	banks	bank	NOUN
bjmsr-2210	108	12	by	by	ADP
bjmsr-2210	108	13	considering	consider	VERB
bjmsr-2210	108	14	explanatory	explanatory	ADJ
bjmsr-2210	108	15	variables	variable	NOUN
bjmsr-2210	108	16	such	such	ADJ
bjmsr-2210	108	17	as	as	ADP
bjmsr-2210	108	18	return	return	NOUN
bjmsr-2210	108	19	on	on	ADP
bjmsr-2210	108	20	assets	asset	NOUN
bjmsr-2210	108	21	(	(	PUNCT
bjmsr-2210	108	22	roa	roa	NOUN
bjmsr-2210	108	23	)	)	PUNCT
bjmsr-2210	108	24	or	or	CCONJ
bjmsr-2210	108	25	equity	equity	NOUN
bjmsr-2210	108	26	(	(	PUNCT
bjmsr-2210	108	27	roe	roe	PROPN
bjmsr-2210	108	28	)	)	PUNCT
bjmsr-2210	108	29	,	,	PUNCT
bjmsr-2210	108	30	bank	bank	NOUN
bjmsr-2210	108	31	ownership	ownership	NOUN
bjmsr-2210	108	32	and	and	CCONJ
bjmsr-2210	108	33	non	non	ADJ
bjmsr-2210	108	34	-	-	ADJ
bjmsr-2210	108	35	interest	interest	ADJ
bjmsr-2210	108	36	income	income	NOUN
bjmsr-2210	108	37	.	.	PUNCT
bjmsr-2210	109	1	they	they	PRON
bjmsr-2210	109	2	concluded	conclude	VERB
bjmsr-2210	109	3	that	that	SCONJ
bjmsr-2210	109	4	banks	bank	NOUN
bjmsr-2210	109	5	with	with	ADP
bjmsr-2210	109	6	more	more	ADJ
bjmsr-2210	109	7	non	non	ADJ
bjmsr-2210	109	8	-	-	ADJ
bjmsr-2210	109	9	interest	interest	ADJ
bjmsr-2210	109	10	income	income	NOUN
bjmsr-2210	109	11	and	and	CCONJ
bjmsr-2210	109	12	roa	roa	PROPN
bjmsr-2210	109	13	have	have	VERB
bjmsr-2210	109	14	a	a	DET
bjmsr-2210	109	15	higher	high	ADJ
bjmsr-2210	109	16	rate	rate	NOUN
bjmsr-2210	109	17	of	of	ADP
bjmsr-2210	109	18	adaptability	adaptability	NOUN
bjmsr-2210	109	19	concerning	concern	VERB
bjmsr-2210	109	20	technological	technological	ADJ
bjmsr-2210	109	21	innovations	innovation	NOUN
bjmsr-2210	109	22	and	and	CCONJ
bjmsr-2210	109	23	facebook	facebook	NOUN
bjmsr-2210	109	24	adoption	adoption	NOUN
bjmsr-2210	109	25	than	than	ADP
bjmsr-2210	109	26	other	other	ADJ
bjmsr-2210	109	27	banks	bank	NOUN
bjmsr-2210	109	28	.	.	PUNCT
bjmsr-2210	110	1	the	the	DET
bjmsr-2210	110	2	variable	variable	NOUN
bjmsr-2210	110	3	,	,	PUNCT
bjmsr-2210	110	4	like	like	ADP
bjmsr-2210	110	5	the	the	DET
bjmsr-2210	110	6	number	number	NOUN
bjmsr-2210	110	7	of	of	ADP
bjmsr-2210	110	8	atms	atms	NOUN
bjmsr-2210	110	9	,	,	PUNCT
bjmsr-2210	110	10	has	have	VERB
bjmsr-2210	110	11	more	more	ADJ
bjmsr-2210	110	12	influence	influence	NOUN
bjmsr-2210	110	13	on	on	ADP
bjmsr-2210	110	14	facebook	facebook	NOUN
bjmsr-2210	110	15	adoption	adoption	NOUN
bjmsr-2210	110	16	than	than	ADP
bjmsr-2210	110	17	the	the	DET
bjmsr-2210	110	18	number	number	NOUN
bjmsr-2210	110	19	of	of	ADP
bjmsr-2210	110	20	bank	bank	NOUN
bjmsr-2210	110	21	branches	branch	NOUN
bjmsr-2210	110	22	.	.	PUNCT
bjmsr-2210	111	1	the	the	DET
bjmsr-2210	111	2	results	result	NOUN
bjmsr-2210	111	3	also	also	ADV
bjmsr-2210	111	4	reveal	reveal	VERB
bjmsr-2210	111	5	that	that	SCONJ
bjmsr-2210	111	6	the	the	DET
bjmsr-2210	111	7	adoption	adoption	NOUN
bjmsr-2210	111	8	of	of	ADP
bjmsr-2210	111	9	facebook	facebook	PROPN
bjmsr-2210	111	10	has	have	AUX
bjmsr-2210	111	11	not	not	PART
bjmsr-2210	111	12	occurred	occur	VERB
bjmsr-2210	111	13	in	in	ADP
bjmsr-2210	111	14	banks	bank	NOUN
bjmsr-2210	111	15	with	with	ADP
bjmsr-2210	111	16	more	more	ADJ
bjmsr-2210	111	17	npa	npa	PROPN
bjmsr-2210	111	18	.	.	PUNCT
bjmsr-2210	112	1	edirisuriya	edirisuriya	PROPN
bjmsr-2210	112	2	and	and	CCONJ
bjmsr-2210	112	3	o’brien	o’brien	PROPN
bjmsr-2210	112	4	(	(	PUNCT
bjmsr-2210	112	5	2001	2001	NUM
bjmsr-2210	112	6	)	)	PUNCT
bjmsr-2210	112	7	studied	study	VERB
bjmsr-2210	112	8	the	the	DET
bjmsr-2210	112	9	introduction	introduction	NOUN
bjmsr-2210	112	10	of	of	ADP
bjmsr-2210	112	11	new	new	ADJ
bjmsr-2210	112	12	low	low	ADJ
bjmsr-2210	112	13	-	-	PUNCT
bjmsr-2210	112	14	cost	cost	NOUN
bjmsr-2210	112	15	,	,	PUNCT
bjmsr-2210	112	16	multipurpose	multipurpose	NOUN
bjmsr-2210	112	17	products	product	NOUN
bjmsr-2210	112	18	like	like	ADP
bjmsr-2210	112	19	internet	internet	NOUN
bjmsr-2210	112	20	/	/	SYM
bjmsr-2210	112	21	commercial	commercial	ADJ
bjmsr-2210	112	22	banking	banking	NOUN
bjmsr-2210	112	23	,	,	PUNCT
bjmsr-2210	112	24	which	which	PRON
bjmsr-2210	112	25	improves	improve	VERB
bjmsr-2210	112	26	the	the	DET
bjmsr-2210	112	27	large	large	ADJ
bjmsr-2210	112	28	economies	economy	NOUN
bjmsr-2210	112	29	of	of	ADP
bjmsr-2210	112	30	scope	scope	NOUN
bjmsr-2210	112	31	among	among	ADP
bjmsr-2210	112	32	australian	australian	ADJ
bjmsr-2210	112	33	banks	bank	NOUN
bjmsr-2210	112	34	.	.	PUNCT
bjmsr-2210	113	1	another	another	DET
bjmsr-2210	113	2	study	study	NOUN
bjmsr-2210	113	3	(	(	PUNCT
bjmsr-2210	113	4	assensoh	assensoh	NOUN
bjmsr-2210	113	5	-	-	PUNCT
bjmsr-2210	113	6	kodua	kodua	PROPN
bjmsr-2210	113	7	,	,	PUNCT
bjmsr-2210	113	8	2016	2016	NUM
bjmsr-2210	113	9	)	)	PUNCT
bjmsr-2210	113	10	assessed	assess	VERB
bjmsr-2210	113	11	customer	customer	NOUN
bjmsr-2210	113	12	acceptance	acceptance	NOUN
bjmsr-2210	113	13	and	and	CCONJ
bjmsr-2210	113	14	continuance	continuance	NOUN
bjmsr-2210	113	15	intention	intention	NOUN
bjmsr-2210	113	16	of	of	ADP
bjmsr-2210	113	17	using	use	VERB
bjmsr-2210	113	18	social	social	ADJ
bjmsr-2210	113	19	media	medium	NOUN
bjmsr-2210	113	20	as	as	ADP
bjmsr-2210	113	21	one	one	NUM
bjmsr-2210	113	22	of	of	ADP
bjmsr-2210	113	23	the	the	DET
bjmsr-2210	113	24	mediums	medium	NOUN
bjmsr-2210	113	25	for	for	ADP
bjmsr-2210	113	26	banking	banking	NOUN
bjmsr-2210	113	27	transactions	transaction	NOUN
bjmsr-2210	113	28	in	in	ADP
bjmsr-2210	113	29	south	south	PROPN
bjmsr-2210	113	30	africa	africa	PROPN
bjmsr-2210	113	31	.	.	PUNCT
bjmsr-2210	114	1	results	result	NOUN
bjmsr-2210	114	2	revealed	reveal	VERB
bjmsr-2210	114	3	that	that	SCONJ
bjmsr-2210	114	4	social	social	ADJ
bjmsr-2210	114	5	norms	norm	NOUN
bjmsr-2210	114	6	,	,	PUNCT
bjmsr-2210	114	7	perceived	perceive	VERB
bjmsr-2210	114	8	trust	trust	NOUN
bjmsr-2210	114	9	,	,	PUNCT
bjmsr-2210	114	10	and	and	CCONJ
bjmsr-2210	114	11	user	user	NOUN
bjmsr-2210	114	12	satisfaction	satisfaction	NOUN
bjmsr-2210	114	13	are	be	AUX
bjmsr-2210	114	14	the	the	DET
bjmsr-2210	114	15	factors	factor	NOUN
bjmsr-2210	114	16	most	most	ADV
bjmsr-2210	114	17	influencing	influence	VERB
bjmsr-2210	114	18	the	the	DET
bjmsr-2210	114	19	adoption	adoption	NOUN
bjmsr-2210	114	20	of	of	ADP
bjmsr-2210	114	21	social	social	ADJ
bjmsr-2210	114	22	media	medium	NOUN
bjmsr-2210	114	23	-	-	PUNCT
bjmsr-2210	114	24	based	base	VERB
bjmsr-2210	114	25	banking	banking	NOUN
bjmsr-2210	114	26	transactions	transaction	NOUN
bjmsr-2210	114	27	.	.	PUNCT
bjmsr-2210	115	1	bohlin	bohlin	PROPN
bjmsr-2210	115	2	et	et	PROPN
bjmsr-2210	115	3	al	al	PROPN
bjmsr-2210	115	4	.	.	PROPN
bjmsr-2210	116	1	(	(	PUNCT
bjmsr-2210	116	2	2018	2018	NUM
bjmsr-2210	116	3	)	)	PUNCT
bjmsr-2210	116	4	conducted	conduct	VERB
bjmsr-2210	116	5	a	a	DET
bjmsr-2210	116	6	study	study	NOUN
bjmsr-2210	116	7	among	among	ADP
bjmsr-2210	116	8	100	100	NUM
bjmsr-2210	116	9	leading	lead	VERB
bjmsr-2210	116	10	global	global	ADJ
bjmsr-2210	116	11	banks	bank	NOUN
bjmsr-2210	116	12	regarding	regard	VERB
bjmsr-2210	116	13	social	social	ADJ
bjmsr-2210	116	14	network	network	NOUN
bjmsr-2210	116	15	banking	banking	NOUN
bjmsr-2210	116	16	based	base	VERB
bjmsr-2210	116	17	on	on	ADP
bjmsr-2210	116	18	consumer	consumer	NOUN
bjmsr-2210	116	19	retail	retail	ADJ
bjmsr-2210	116	20	banking	banking	NOUN
bjmsr-2210	116	21	services	service	NOUN
bjmsr-2210	116	22	such	such	ADJ
bjmsr-2210	116	23	as	as	ADP
bjmsr-2210	116	24	customer	customer	NOUN
bjmsr-2210	116	25	engagement	engagement	NOUN
bjmsr-2210	116	26	,	,	PUNCT
bjmsr-2210	116	27	marketing	marketing	NOUN
bjmsr-2210	116	28	,	,	PUNCT
bjmsr-2210	116	29	information	information	NOUN
bjmsr-2210	116	30	,	,	PUNCT
bjmsr-2210	116	31	customer	customer	NOUN
bjmsr-2210	116	32	support	support	NOUN
bjmsr-2210	116	33	,	,	PUNCT
bjmsr-2210	116	34	and	and	CCONJ
bjmsr-2210	116	35	sales	sale	NOUN
bjmsr-2210	116	36	.	.	PUNCT
bjmsr-2210	117	1	the	the	DET
bjmsr-2210	117	2	study	study	NOUN
bjmsr-2210	117	3	result	result	NOUN
bjmsr-2210	117	4	revealed	reveal	VERB
bjmsr-2210	117	5	that	that	SCONJ
bjmsr-2210	117	6	banks	bank	NOUN
bjmsr-2210	117	7	are	be	AUX
bjmsr-2210	117	8	now	now	ADV
bjmsr-2210	117	9	providing	provide	VERB
bjmsr-2210	117	10	non	non	ADJ
bjmsr-2210	117	11	-	-	ADJ
bjmsr-2210	117	12	cash	cash	NOUN
bjmsr-2210	117	13	-	-	PUNCT
bjmsr-2210	117	14	based	base	VERB
bjmsr-2210	117	15	services	service	NOUN
bjmsr-2210	117	16	to	to	ADP
bjmsr-2210	117	17	customers	customer	NOUN
bjmsr-2210	117	18	through	through	ADP
bjmsr-2210	117	19	social	social	ADJ
bjmsr-2210	117	20	media	medium	NOUN
bjmsr-2210	117	21	,	,	PUNCT
bjmsr-2210	117	22	and	and	CCONJ
bjmsr-2210	117	23	banks	bank	NOUN
bjmsr-2210	117	24	will	will	AUX
bjmsr-2210	117	25	require	require	VERB
bjmsr-2210	117	26	the	the	DET
bjmsr-2210	117	27	payment	payment	NOUN
bjmsr-2210	117	28	services	service	NOUN
bjmsr-2210	117	29	directive	directive	NOUN
bjmsr-2210	117	30	from	from	ADP
bjmsr-2210	117	31	the	the	DET
bjmsr-2210	117	32	european	european	PROPN
bjmsr-2210	117	33	commission	commission	PROPN
bjmsr-2210	117	34	to	to	PART
bjmsr-2210	117	35	provide	provide	VERB
bjmsr-2210	117	36	cash	cash	NOUN
bjmsr-2210	117	37	-	-	PUNCT
bjmsr-2210	117	38	based	base	VERB
bjmsr-2210	117	39	transactional	transactional	ADJ
bjmsr-2210	117	40	and	and	CCONJ
bjmsr-2210	117	41	nontransactional	nontransactional	ADJ
bjmsr-2210	117	42	services	service	NOUN
bjmsr-2210	117	43	through	through	ADP
bjmsr-2210	117	44	social	social	ADJ
bjmsr-2210	117	45	media	medium	NOUN
bjmsr-2210	117	46	.	.	PUNCT
bjmsr-2210	118	1	parusheva	parusheva	PROPN
bjmsr-2210	118	2	(	(	PUNCT
bjmsr-2210	118	3	2019	2019	NUM
bjmsr-2210	118	4	)	)	PUNCT
bjmsr-2210	118	5	studied	study	VERB
bjmsr-2210	118	6	social	social	ADJ
bjmsr-2210	118	7	media	medium	NOUN
bjmsr-2210	118	8	banking	banking	NOUN
bjmsr-2210	118	9	usage	usage	NOUN
bjmsr-2210	118	10	from	from	ADP
bjmsr-2210	118	11	banks	bank	NOUN
bjmsr-2210	118	12	'	'	PART
bjmsr-2210	118	13	perspectives	perspective	NOUN
bjmsr-2210	118	14	to	to	PART
bjmsr-2210	118	15	find	find	VERB
bjmsr-2210	118	16	the	the	DET
bjmsr-2210	118	17	concept	concept	NOUN
bjmsr-2210	118	18	of	of	ADP
bjmsr-2210	118	19	social	social	ADJ
bjmsr-2210	118	20	media	medium	NOUN
bjmsr-2210	118	21	banking	banking	NOUN
bjmsr-2210	118	22	,	,	PUNCT
bjmsr-2210	118	23	the	the	DET
bjmsr-2210	118	24	penetration	penetration	NOUN
bjmsr-2210	118	25	of	of	ADP
bjmsr-2210	118	26	bulgarian	bulgarian	ADJ
bjmsr-2210	118	27	customers	customer	NOUN
bjmsr-2210	118	28	on	on	ADP
bjmsr-2210	118	29	social	social	ADJ
bjmsr-2210	118	30	media	medium	NOUN
bjmsr-2210	118	31	,	,	PUNCT
bjmsr-2210	118	32	and	and	CCONJ
bjmsr-2210	118	33	the	the	DET
bjmsr-2210	118	34	intensity	intensity	NOUN
bjmsr-2210	118	35	of	of	ADP
bjmsr-2210	118	36	the	the	DET
bjmsr-2210	118	37	top	top	ADJ
bjmsr-2210	118	38	ten	ten	NUM
bjmsr-2210	118	39	bulgarian	bulgarian	ADJ
bjmsr-2210	118	40	banks	bank	NOUN
bjmsr-2210	118	41	'	'	PART
bjmsr-2210	118	42	presence	presence	NOUN
bjmsr-2210	118	43	on	on	ADP
bjmsr-2210	118	44	facebook	facebook	PROPN
bjmsr-2210	118	45	.	.	PUNCT
bjmsr-2210	119	1	the	the	DET
bjmsr-2210	119	2	results	result	NOUN
bjmsr-2210	119	3	revealed	reveal	VERB
bjmsr-2210	119	4	that	that	SCONJ
bjmsr-2210	119	5	customers	customer	NOUN
bjmsr-2210	119	6	are	be	AUX
bjmsr-2210	119	7	more	more	ADV
bjmsr-2210	119	8	penetrated	penetrate	VERB
bjmsr-2210	119	9	by	by	ADP
bjmsr-2210	119	10	the	the	DET
bjmsr-2210	119	11	facebook	facebook	PROPN
bjmsr-2210	119	12	platform	platform	NOUN
bjmsr-2210	119	13	,	,	PUNCT
bjmsr-2210	119	14	most	most	ADJ
bjmsr-2210	119	15	of	of	ADP
bjmsr-2210	119	16	the	the	DET
bjmsr-2210	119	17	banks	bank	NOUN
bjmsr-2210	119	18	are	be	AUX
bjmsr-2210	119	19	more	more	ADV
bjmsr-2210	119	20	intense	intense	ADJ
bjmsr-2210	119	21	on	on	ADP
bjmsr-2210	119	22	facebook	facebook	NOUN
bjmsr-2210	119	23	,	,	PUNCT
bjmsr-2210	119	24	and	and	CCONJ
bjmsr-2210	119	25	the	the	DET
bjmsr-2210	119	26	concept	concept	NOUN
bjmsr-2210	119	27	of	of	ADP
bjmsr-2210	119	28	social	social	ADJ
bjmsr-2210	119	29	media	medium	NOUN
bjmsr-2210	119	30	banking	banking	NOUN
bjmsr-2210	119	31	,	,	PUNCT
bjmsr-2210	119	32	as	as	SCONJ
bjmsr-2210	119	33	defined	define	VERB
bjmsr-2210	119	34	by	by	ADP
bjmsr-2210	119	35	the	the	DET
bjmsr-2210	119	36	author	author	NOUN
bjmsr-2210	119	37	,	,	PUNCT
bjmsr-2210	119	38	is	be	AUX
bjmsr-2210	119	39	the	the	DET
bjmsr-2210	119	40	intersection	intersection	NOUN
bjmsr-2210	119	41	of	of	ADP
bjmsr-2210	119	42	electronic	electronic	ADJ
bjmsr-2210	119	43	banking	banking	NOUN
bjmsr-2210	119	44	channels	channel	NOUN
bjmsr-2210	119	45	and	and	CCONJ
bjmsr-2210	119	46	social	social	ADJ
bjmsr-2210	119	47	media	medium	NOUN
bjmsr-2210	119	48	.	.	PUNCT
bjmsr-2210	120	1	customers	customer	NOUN
bjmsr-2210	120	2	'	'	PART
bjmsr-2210	120	3	attitudes	attitude	NOUN
bjmsr-2210	120	4	towards	towards	ADP
bjmsr-2210	120	5	social	social	ADJ
bjmsr-2210	120	6	media	medium	NOUN
bjmsr-2210	120	7	banking	banking	NOUN
bjmsr-2210	120	8	among	among	ADP
bjmsr-2210	120	9	postgraduate	postgraduate	ADJ
bjmsr-2210	120	10	students	student	NOUN
bjmsr-2210	120	11	of	of	ADP
bjmsr-2210	120	12	the	the	DET
bjmsr-2210	120	13	university	university	PROPN
bjmsr-2210	120	14	of	of	ADP
bjmsr-2210	120	15	southampton	southampton	PROPN
bjmsr-2210	120	16	,	,	PUNCT
bjmsr-2210	120	17	uk	uk	PROPN
bjmsr-2210	120	18	,	,	PUNCT
bjmsr-2210	120	19	found	find	VERB
bjmsr-2210	120	20	that	that	SCONJ
bjmsr-2210	120	21	relative	relative	ADJ
bjmsr-2210	120	22	advantage	advantage	NOUN
bjmsr-2210	120	23	,	,	PUNCT
bjmsr-2210	120	24	compatibility	compatibility	NOUN
bjmsr-2210	120	25	,	,	PUNCT
bjmsr-2210	120	26	and	and	CCONJ
bjmsr-2210	120	27	trial	trial	NOUN
bjmsr-2210	120	28	ability	ability	NOUN
bjmsr-2210	120	29	among	among	ADP
bjmsr-2210	120	30	the	the	DET
bjmsr-2210	120	31	five	five	NUM
bjmsr-2210	120	32	attributes	attribute	NOUN
bjmsr-2210	120	33	of	of	ADP
bjmsr-2210	120	34	rogers	rogers	PROPN
bjmsr-2210	120	35	diffusion	diffusion	NOUN
bjmsr-2210	120	36	of	of	ADP
bjmsr-2210	120	37	innovation	innovation	NOUN
bjmsr-2210	120	38	theory	theory	NOUN
bjmsr-2210	120	39	had	have	VERB
bjmsr-2210	120	40	a	a	DET
bjmsr-2210	120	41	significant	significant	ADJ
bjmsr-2210	120	42	association	association	NOUN
bjmsr-2210	120	43	with	with	ADP
bjmsr-2210	120	44	customers	customer	NOUN
bjmsr-2210	120	45	'	'	PART
bjmsr-2210	120	46	attitudes	attitude	NOUN
bjmsr-2210	120	47	.	.	PUNCT
bjmsr-2210	121	1	relative	relative	ADJ
bjmsr-2210	121	2	advantage	advantage	NOUN
bjmsr-2210	121	3	was	be	AUX
bjmsr-2210	121	4	more	more	ADV
bjmsr-2210	121	5	prevalent	prevalent	ADJ
bjmsr-2210	121	6	among	among	ADP
bjmsr-2210	121	7	customers	customer	NOUN
bjmsr-2210	121	8	than	than	ADP
bjmsr-2210	121	9	other	other	ADJ
bjmsr-2210	121	10	attributes	attribute	NOUN
bjmsr-2210	121	11	(	(	PUNCT
bjmsr-2210	121	12	majekodunmi	majekodunmi	PROPN
bjmsr-2210	121	13	&	&	CCONJ
bjmsr-2210	121	14	harris	harris	PROPN
bjmsr-2210	121	15	,	,	PUNCT
bjmsr-2210	121	16	2016	2016	NUM
bjmsr-2210	121	17	)	)	PUNCT
bjmsr-2210	121	18	.	.	PUNCT
bjmsr-2210	122	1	from	from	ADP
bjmsr-2210	122	2	the	the	DET
bjmsr-2210	122	3	literature	literature	NOUN
bjmsr-2210	122	4	,	,	PUNCT
bjmsr-2210	122	5	studies	study	NOUN
bjmsr-2210	122	6	related	relate	VERB
bjmsr-2210	122	7	to	to	ADP
bjmsr-2210	122	8	social	social	ADJ
bjmsr-2210	122	9	media	medium	NOUN
bjmsr-2210	122	10	in	in	ADP
bjmsr-2210	122	11	various	various	ADJ
bjmsr-2210	122	12	fields	field	NOUN
bjmsr-2210	122	13	are	be	AUX
bjmsr-2210	122	14	available	available	ADJ
bjmsr-2210	122	15	worldwide	worldwide	ADV
bjmsr-2210	122	16	,	,	PUNCT
bjmsr-2210	122	17	especially	especially	ADV
bjmsr-2210	122	18	from	from	ADP
bjmsr-2210	122	19	foreign	foreign	ADJ
bjmsr-2210	122	20	countries	country	NOUN
bjmsr-2210	122	21	.	.	PUNCT
bjmsr-2210	123	1	most	most	ADJ
bjmsr-2210	123	2	studies	study	NOUN
bjmsr-2210	123	3	on	on	ADP
bjmsr-2210	123	4	social	social	ADJ
bjmsr-2210	123	5	media	medium	NOUN
bjmsr-2210	123	6	in	in	ADP
bjmsr-2210	123	7	banks	bank	NOUN
bjmsr-2210	123	8	focus	focus	VERB
bjmsr-2210	123	9	on	on	ADP
bjmsr-2210	123	10	multiple	multiple	ADJ
bjmsr-2210	123	11	purposes	purpose	NOUN
bjmsr-2210	123	12	,	,	PUNCT
bjmsr-2210	123	13	such	such	ADJ
bjmsr-2210	123	14	as	as	ADP
bjmsr-2210	123	15	marketing	marketing	NOUN
bjmsr-2210	123	16	,	,	PUNCT
bjmsr-2210	123	17	advertising	advertising	NOUN
bjmsr-2210	123	18	,	,	PUNCT
bjmsr-2210	123	19	communication	communication	NOUN
bjmsr-2210	123	20	,	,	PUNCT
bjmsr-2210	123	21	sales	sale	NOUN
bjmsr-2210	123	22	,	,	PUNCT
bjmsr-2210	123	23	etc	etc	X
bjmsr-2210	123	24	.	.	X
bjmsr-2210	123	25	still	still	ADV
bjmsr-2210	123	26	,	,	PUNCT
bjmsr-2210	123	27	very	very	ADV
bjmsr-2210	123	28	few	few	ADJ
bjmsr-2210	123	29	studies	study	NOUN
bjmsr-2210	123	30	are	be	AUX
bjmsr-2210	123	31	available	available	ADJ
bjmsr-2210	123	32	regarding	regard	VERB
bjmsr-2210	123	33	banking	banking	NOUN
bjmsr-2210	123	34	transactions	transaction	NOUN
bjmsr-2210	123	35	(	(	PUNCT
bjmsr-2210	123	36	both	both	CCONJ
bjmsr-2210	123	37	financial	financial	ADJ
bjmsr-2210	123	38	and	and	CCONJ
bjmsr-2210	123	39	nonfinancial	nonfinancial	ADJ
bjmsr-2210	123	40	)	)	PUNCT
bjmsr-2210	123	41	through	through	ADP
bjmsr-2210	123	42	social	social	ADJ
bjmsr-2210	123	43	media	medium	NOUN
bjmsr-2210	123	44	platforms	platform	NOUN
bjmsr-2210	123	45	,	,	PUNCT
bjmsr-2210	123	46	i.e.	i.e.	X
bjmsr-2210	123	47	,	,	PUNCT
bjmsr-2210	123	48	social	social	ADJ
bjmsr-2210	123	49	media	medium	NOUN
bjmsr-2210	123	50	banking	banking	NOUN
bjmsr-2210	123	51	,	,	PUNCT
bjmsr-2210	123	52	from	from	ADP
bjmsr-2210	123	53	foreign	foreign	ADJ
bjmsr-2210	123	54	countries	country	NOUN
bjmsr-2210	123	55	.	.	PUNCT
bjmsr-2210	124	1	hence	hence	ADV
bjmsr-2210	124	2	,	,	PUNCT
bjmsr-2210	124	3	this	this	DET
bjmsr-2210	124	4	study	study	NOUN
bjmsr-2210	124	5	attempted	attempt	VERB
bjmsr-2210	124	6	to	to	PART
bjmsr-2210	124	7	analyze	analyze	VERB
bjmsr-2210	124	8	the	the	DET
bjmsr-2210	124	9	banker	banker	NOUN
bjmsr-2210	124	10	's	's	PART
bjmsr-2210	124	11	perspective	perspective	NOUN
bjmsr-2210	124	12	on	on	ADP
bjmsr-2210	124	13	social	social	ADJ
bjmsr-2210	124	14	media	medium	NOUN
bjmsr-2210	124	15	banking	banking	NOUN
bjmsr-2210	124	16	services	service	NOUN
bjmsr-2210	124	17	of	of	ADP
bjmsr-2210	124	18	indian	indian	ADJ
bjmsr-2210	124	19	commercial	commercial	ADJ
bjmsr-2210	124	20	banks	bank	NOUN
bjmsr-2210	124	21	that	that	PRON
bjmsr-2210	124	22	provide	provide	VERB
bjmsr-2210	124	23	smb	smb	NOUN
bjmsr-2210	124	24	services	service	NOUN
bjmsr-2210	124	25	to	to	ADP
bjmsr-2210	124	26	their	their	PRON
bjmsr-2210	124	27	customers	customer	NOUN
bjmsr-2210	124	28	.	.	PUNCT
bjmsr-2210	125	1	ramasamy	ramasamy	VERB
bjmsr-2210	125	2	et	et	PROPN
bjmsr-2210	125	3	al	al	PROPN
bjmsr-2210	125	4	.	.	PROPN
bjmsr-2210	125	5	,	,	PUNCT
bjmsr-2210	125	6	bangladesh	bangladesh	PROPN
bjmsr-2210	125	7	journal	journal	NOUN
bjmsr-2210	125	8	of	of	ADP
bjmsr-2210	125	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	125	10	scientific	scientific	ADJ
bjmsr-2210	125	11	research	research	NOUN
bjmsr-2210	125	12	9(2	9(2	NUM
bjmsr-2210	125	13	)	)	PUNCT
bjmsr-2210	125	14	(	(	PUNCT
bjmsr-2210	125	15	2024	2024	NUM
bjmsr-2210	125	16	)	)	PUNCT
bjmsr-2210	125	17	,	,	PUNCT
bjmsr-2210	125	18	1	1	NUM
bjmsr-2210	125	19	-	-	SYM
bjmsr-2210	125	20	9	9	NUM
bjmsr-2210	125	21	4	4	NUM
bjmsr-2210	125	22	the	the	DET
bjmsr-2210	125	23	following	following	NOUN
bjmsr-2210	125	24	are	be	AUX
bjmsr-2210	125	25	the	the	DET
bjmsr-2210	125	26	hypotheses	hypothesis	NOUN
bjmsr-2210	125	27	that	that	SCONJ
bjmsr-2210	125	28	this	this	DET
bjmsr-2210	125	29	study	study	NOUN
bjmsr-2210	125	30	takes	take	VERB
bjmsr-2210	125	31	into	into	ADP
bjmsr-2210	125	32	account	account	NOUN
bjmsr-2210	125	33	.	.	PUNCT
bjmsr-2210	126	1	h1	h1	PROPN
bjmsr-2210	126	2	:	:	PUNCT
bjmsr-2210	126	3	there	there	PRON
bjmsr-2210	126	4	is	be	VERB
bjmsr-2210	126	5	no	no	DET
bjmsr-2210	126	6	influence	influence	NOUN
bjmsr-2210	126	7	of	of	ADP
bjmsr-2210	126	8	the	the	DET
bjmsr-2210	126	9	demographic	demographic	ADJ
bjmsr-2210	126	10	profile	profile	NOUN
bjmsr-2210	126	11	(	(	PUNCT
bjmsr-2210	126	12	gender	gender	NOUN
bjmsr-2210	126	13	,	,	PUNCT
bjmsr-2210	126	14	educational	educational	ADJ
bjmsr-2210	126	15	background	background	NOUN
bjmsr-2210	126	16	,	,	PUNCT
bjmsr-2210	126	17	and	and	CCONJ
bjmsr-2210	126	18	bank	bank	NOUN
bjmsr-2210	126	19	category	category	NOUN
bjmsr-2210	126	20	)	)	PUNCT
bjmsr-2210	126	21	of	of	ADP
bjmsr-2210	126	22	the	the	DET
bjmsr-2210	126	23	bankers	banker	NOUN
bjmsr-2210	126	24	on	on	ADP
bjmsr-2210	126	25	the	the	DET
bjmsr-2210	126	26	reasons	reason	NOUN
bjmsr-2210	126	27	for	for	ADP
bjmsr-2210	126	28	social	social	ADJ
bjmsr-2210	126	29	media	medium	NOUN
bjmsr-2210	126	30	adoption	adoption	NOUN
bjmsr-2210	126	31	.	.	PUNCT
bjmsr-2210	127	1	h2	h2	NOUN
bjmsr-2210	127	2	:	:	PUNCT
bjmsr-2210	127	3	there	there	PRON
bjmsr-2210	127	4	is	be	VERB
bjmsr-2210	127	5	no	no	DET
bjmsr-2210	127	6	influence	influence	NOUN
bjmsr-2210	127	7	of	of	ADP
bjmsr-2210	127	8	the	the	DET
bjmsr-2210	127	9	demographic	demographic	ADJ
bjmsr-2210	127	10	profile	profile	NOUN
bjmsr-2210	127	11	(	(	PUNCT
bjmsr-2210	127	12	age	age	NOUN
bjmsr-2210	127	13	,	,	PUNCT
bjmsr-2210	127	14	educational	educational	ADJ
bjmsr-2210	127	15	qualification	qualification	NOUN
bjmsr-2210	127	16	,	,	PUNCT
bjmsr-2210	127	17	designation	designation	NOUN
bjmsr-2210	127	18	,	,	PUNCT
bjmsr-2210	127	19	and	and	CCONJ
bjmsr-2210	127	20	bank	bank	NOUN
bjmsr-2210	127	21	category	category	NOUN
bjmsr-2210	127	22	)	)	PUNCT
bjmsr-2210	127	23	of	of	ADP
bjmsr-2210	127	24	the	the	DET
bjmsr-2210	127	25	bankers	banker	NOUN
bjmsr-2210	127	26	on	on	ADP
bjmsr-2210	127	27	the	the	DET
bjmsr-2210	127	28	reasons	reason	NOUN
bjmsr-2210	127	29	for	for	ADP
bjmsr-2210	127	30	social	social	ADJ
bjmsr-2210	127	31	media	medium	NOUN
bjmsr-2210	127	32	adoption	adoption	NOUN
bjmsr-2210	127	33	.	.	PUNCT
bjmsr-2210	128	1	h3	h3	NOUN
bjmsr-2210	128	2	:	:	PUNCT
bjmsr-2210	128	3	there	there	PRON
bjmsr-2210	128	4	is	be	VERB
bjmsr-2210	128	5	no	no	DET
bjmsr-2210	128	6	influence	influence	NOUN
bjmsr-2210	128	7	of	of	ADP
bjmsr-2210	128	8	the	the	DET
bjmsr-2210	128	9	demographic	demographic	ADJ
bjmsr-2210	128	10	profile	profile	NOUN
bjmsr-2210	128	11	(	(	PUNCT
bjmsr-2210	128	12	gender	gender	NOUN
bjmsr-2210	128	13	,	,	PUNCT
bjmsr-2210	128	14	educational	educational	ADJ
bjmsr-2210	128	15	background	background	NOUN
bjmsr-2210	128	16	and	and	CCONJ
bjmsr-2210	128	17	bank	bank	NOUN
bjmsr-2210	128	18	category	category	NOUN
bjmsr-2210	128	19	)	)	PUNCT
bjmsr-2210	128	20	of	of	ADP
bjmsr-2210	128	21	the	the	DET
bjmsr-2210	128	22	bankers	banker	NOUN
bjmsr-2210	128	23	on	on	ADP
bjmsr-2210	128	24	the	the	DET
bjmsr-2210	128	25	benefits	benefit	NOUN
bjmsr-2210	128	26	of	of	ADP
bjmsr-2210	128	27	smb	smb	PROPN
bjmsr-2210	128	28	h4	h4	PROPN
bjmsr-2210	128	29	:	:	PUNCT
bjmsr-2210	128	30	there	there	PRON
bjmsr-2210	128	31	is	be	VERB
bjmsr-2210	128	32	no	no	DET
bjmsr-2210	128	33	influence	influence	NOUN
bjmsr-2210	128	34	of	of	ADP
bjmsr-2210	128	35	the	the	DET
bjmsr-2210	128	36	demographic	demographic	ADJ
bjmsr-2210	128	37	profile	profile	NOUN
bjmsr-2210	128	38	(	(	PUNCT
bjmsr-2210	128	39	gender	gender	NOUN
bjmsr-2210	128	40	,	,	PUNCT
bjmsr-2210	128	41	educational	educational	ADJ
bjmsr-2210	128	42	background	background	NOUN
bjmsr-2210	128	43	and	and	CCONJ
bjmsr-2210	128	44	bank	bank	NOUN
bjmsr-2210	128	45	category	category	NOUN
bjmsr-2210	128	46	)	)	PUNCT
bjmsr-2210	128	47	of	of	ADP
bjmsr-2210	128	48	the	the	DET
bjmsr-2210	128	49	bankers	banker	NOUN
bjmsr-2210	128	50	on	on	ADP
bjmsr-2210	128	51	the	the	DET
bjmsr-2210	128	52	challenges	challenge	NOUN
bjmsr-2210	128	53	of	of	ADP
bjmsr-2210	128	54	smb	smb	PROPN
bjmsr-2210	128	55	h5	h5	PROPN
bjmsr-2210	128	56	:	:	PUNCT
bjmsr-2210	128	57	there	there	PRON
bjmsr-2210	128	58	is	be	VERB
bjmsr-2210	128	59	no	no	DET
bjmsr-2210	128	60	influence	influence	NOUN
bjmsr-2210	128	61	of	of	ADP
bjmsr-2210	128	62	the	the	DET
bjmsr-2210	128	63	demographic	demographic	ADJ
bjmsr-2210	128	64	profile	profile	NOUN
bjmsr-2210	128	65	(	(	PUNCT
bjmsr-2210	128	66	age	age	NOUN
bjmsr-2210	128	67	,	,	PUNCT
bjmsr-2210	128	68	educational	educational	ADJ
bjmsr-2210	128	69	qualification	qualification	NOUN
bjmsr-2210	128	70	,	,	PUNCT
bjmsr-2210	128	71	designation	designation	NOUN
bjmsr-2210	128	72	and	and	CCONJ
bjmsr-2210	128	73	experience	experience	NOUN
bjmsr-2210	128	74	)	)	PUNCT
bjmsr-2210	128	75	of	of	ADP
bjmsr-2210	128	76	the	the	DET
bjmsr-2210	128	77	bankers	banker	NOUN
bjmsr-2210	128	78	on	on	ADP
bjmsr-2210	128	79	the	the	DET
bjmsr-2210	128	80	benefits	benefit	NOUN
bjmsr-2210	128	81	of	of	ADP
bjmsr-2210	128	82	smb	smb	NOUN
bjmsr-2210	128	83	h6	h6	PROPN
bjmsr-2210	128	84	:	:	PUNCT
bjmsr-2210	128	85	there	there	PRON
bjmsr-2210	128	86	is	be	VERB
bjmsr-2210	128	87	no	no	DET
bjmsr-2210	128	88	influence	influence	NOUN
bjmsr-2210	128	89	of	of	ADP
bjmsr-2210	128	90	the	the	DET
bjmsr-2210	128	91	demographic	demographic	ADJ
bjmsr-2210	128	92	profile	profile	NOUN
bjmsr-2210	128	93	(	(	PUNCT
bjmsr-2210	128	94	age	age	NOUN
bjmsr-2210	128	95	,	,	PUNCT
bjmsr-2210	128	96	educational	educational	ADJ
bjmsr-2210	128	97	qualification	qualification	NOUN
bjmsr-2210	128	98	,	,	PUNCT
bjmsr-2210	128	99	designation	designation	NOUN
bjmsr-2210	128	100	and	and	CCONJ
bjmsr-2210	128	101	experience	experience	NOUN
bjmsr-2210	128	102	)	)	PUNCT
bjmsr-2210	128	103	of	of	ADP
bjmsr-2210	128	104	the	the	DET
bjmsr-2210	128	105	bankers	banker	NOUN
bjmsr-2210	128	106	on	on	ADP
bjmsr-2210	128	107	the	the	DET
bjmsr-2210	128	108	challenges	challenge	NOUN
bjmsr-2210	128	109	of	of	ADP
bjmsr-2210	128	110	smb	smb	ADJ
bjmsr-2210	128	111	conceptual	conceptual	ADJ
bjmsr-2210	128	112	framework	framework	NOUN
bjmsr-2210	128	113	figure	figure	NOUN
bjmsr-2210	128	114	1	1	NUM
bjmsr-2210	128	115	.	.	PUNCT
bjmsr-2210	129	1	the	the	DET
bjmsr-2210	129	2	conceptual	conceptual	ADJ
bjmsr-2210	129	3	framework	framework	NOUN
bjmsr-2210	129	4	for	for	ADP
bjmsr-2210	129	5	bankers	banker	NOUN
bjmsr-2210	129	6	'	'	PART
bjmsr-2210	129	7	demographic	demographic	ADJ
bjmsr-2210	129	8	profiles	profile	NOUN
bjmsr-2210	129	9	influences	influence	VERB
bjmsr-2210	129	10	the	the	DET
bjmsr-2210	129	11	reasons	reason	NOUN
bjmsr-2210	129	12	for	for	ADP
bjmsr-2210	129	13	social	social	ADJ
bjmsr-2210	129	14	media	medium	NOUN
bjmsr-2210	129	15	adoption	adoption	NOUN
bjmsr-2210	129	16	.	.	PUNCT
bjmsr-2210	130	1	figure	figure	NOUN
bjmsr-2210	130	2	2	2	NUM
bjmsr-2210	130	3	.	.	PUNCT
bjmsr-2210	131	1	the	the	DET
bjmsr-2210	131	2	conceptual	conceptual	ADJ
bjmsr-2210	131	3	framework	framework	NOUN
bjmsr-2210	131	4	for	for	ADP
bjmsr-2210	131	5	bankers	banker	NOUN
bjmsr-2210	131	6	'	'	PART
bjmsr-2210	131	7	demographic	demographic	ADJ
bjmsr-2210	131	8	profile	profile	NOUN
bjmsr-2210	131	9	effect	effect	NOUN
bjmsr-2210	131	10	on	on	ADP
bjmsr-2210	131	11	benefits	benefit	NOUN
bjmsr-2210	131	12	and	and	CCONJ
bjmsr-2210	131	13	challenges	challenge	NOUN
bjmsr-2210	131	14	of	of	ADP
bjmsr-2210	131	15	socia	socia	NOUN
bjmsr-2210	131	16	media	medium	NOUN
bjmsr-2210	131	17	banking	banking	NOUN
bjmsr-2210	131	18	.	.	PUNCT
bjmsr-2210	132	1	materials	material	NOUN
bjmsr-2210	132	2	and	and	CCONJ
bjmsr-2210	132	3	methods	method	NOUN
bjmsr-2210	132	4	this	this	DET
bjmsr-2210	132	5	piece	piece	NOUN
bjmsr-2210	132	6	of	of	ADP
bjmsr-2210	132	7	work	work	NOUN
bjmsr-2210	132	8	adopts	adopt	VERB
bjmsr-2210	132	9	primary	primary	ADJ
bjmsr-2210	132	10	data	datum	NOUN
bjmsr-2210	132	11	methodology	methodology	NOUN
bjmsr-2210	132	12	collected	collect	VERB
bjmsr-2210	132	13	through	through	ADP
bjmsr-2210	132	14	a	a	DET
bjmsr-2210	132	15	survey	survey	NOUN
bjmsr-2210	132	16	.	.	PUNCT
bjmsr-2210	133	1	based	base	VERB
bjmsr-2210	133	2	on	on	ADP
bjmsr-2210	133	3	the	the	DET
bjmsr-2210	133	4	existing	exist	VERB
bjmsr-2210	133	5	literature	literature	NOUN
bjmsr-2210	133	6	,	,	PUNCT
bjmsr-2210	133	7	a	a	DET
bjmsr-2210	133	8	structured	structured	ADJ
bjmsr-2210	133	9	questionnaire	questionnaire	NOUN
bjmsr-2210	133	10	was	be	AUX
bjmsr-2210	133	11	constructed	construct	VERB
bjmsr-2210	133	12	and	and	CCONJ
bjmsr-2210	133	13	tested	test	VERB
bjmsr-2210	133	14	with	with	ADP
bjmsr-2210	133	15	a	a	DET
bjmsr-2210	133	16	pilot	pilot	NOUN
bjmsr-2210	133	17	study	study	NOUN
bjmsr-2210	133	18	of	of	ADP
bjmsr-2210	133	19	50	50	NUM
bjmsr-2210	133	20	respondents	respondent	NOUN
bjmsr-2210	133	21	.	.	PUNCT
bjmsr-2210	134	1	the	the	DET
bjmsr-2210	134	2	questionnaire	questionnaire	NOUN
bjmsr-2210	134	3	was	be	AUX
bjmsr-2210	134	4	tested	test	VERB
bjmsr-2210	134	5	with	with	ADP
bjmsr-2210	134	6	the	the	DET
bjmsr-2210	134	7	help	help	NOUN
bjmsr-2210	134	8	of	of	ADP
bjmsr-2210	134	9	a	a	DET
bjmsr-2210	134	10	reliability	reliability	NOUN
bjmsr-2210	134	11	test	test	NOUN
bjmsr-2210	134	12	.	.	PUNCT
bjmsr-2210	135	1	the	the	DET
bjmsr-2210	135	2	cronbach	cronbach	ADJ
bjmsr-2210	135	3	alpha	alpha	NOUN
bjmsr-2210	135	4	showed	show	VERB
bjmsr-2210	135	5	0.92	0.92	NUM
bjmsr-2210	135	6	,	,	PUNCT
bjmsr-2210	135	7	indicating	indicate	VERB
bjmsr-2210	135	8	a	a	DET
bjmsr-2210	135	9	high	high	ADJ
bjmsr-2210	135	10	reliability	reliability	NOUN
bjmsr-2210	135	11	level	level	NOUN
bjmsr-2210	135	12	persists	persist	VERB
bjmsr-2210	135	13	among	among	ADP
bjmsr-2210	135	14	the	the	DET
bjmsr-2210	135	15	respondents	respondent	NOUN
bjmsr-2210	135	16	.	.	PUNCT
bjmsr-2210	136	1	with	with	ADP
bjmsr-2210	136	2	the	the	DET
bjmsr-2210	136	3	help	help	NOUN
bjmsr-2210	136	4	of	of	ADP
bjmsr-2210	136	5	the	the	DET
bjmsr-2210	136	6	pilot	pilot	NOUN
bjmsr-2210	136	7	study	study	NOUN
bjmsr-2210	136	8	,	,	PUNCT
bjmsr-2210	136	9	a	a	DET
bjmsr-2210	136	10	few	few	ADJ
bjmsr-2210	136	11	variables	variable	NOUN
bjmsr-2210	136	12	were	be	AUX
bjmsr-2210	136	13	reconsidered	reconsider	VERB
bjmsr-2210	136	14	,	,	PUNCT
bjmsr-2210	136	15	and	and	CCONJ
bjmsr-2210	136	16	the	the	DET
bjmsr-2210	136	17	final	final	ADJ
bjmsr-2210	136	18	questionnaire	questionnaire	NOUN
bjmsr-2210	136	19	comprises	comprise	VERB
bjmsr-2210	136	20	the	the	DET
bjmsr-2210	136	21	following	following	ADJ
bjmsr-2210	136	22	variables	variable	NOUN
bjmsr-2210	136	23	:	:	PUNCT
bjmsr-2210	136	24	social	social	ADJ
bjmsr-2210	136	25	media	medium	NOUN
bjmsr-2210	136	26	adoption	adoption	NOUN
bjmsr-2210	136	27	in	in	ADP
bjmsr-2210	136	28	banks	bank	NOUN
bjmsr-2210	136	29	,	,	PUNCT
bjmsr-2210	136	30	benefits	benefit	NOUN
bjmsr-2210	136	31	of	of	ADP
bjmsr-2210	136	32	social	social	ADJ
bjmsr-2210	136	33	media	medium	NOUN
bjmsr-2210	136	34	banking	banking	NOUN
bjmsr-2210	136	35	and	and	CCONJ
bjmsr-2210	136	36	challenges	challenge	NOUN
bjmsr-2210	136	37	of	of	ADP
bjmsr-2210	136	38	social	social	ADJ
bjmsr-2210	136	39	media	medium	NOUN
bjmsr-2210	136	40	banking	banking	NOUN
bjmsr-2210	136	41	.	.	PUNCT
bjmsr-2210	137	1	for	for	ADP
bjmsr-2210	137	2	the	the	DET
bjmsr-2210	137	3	variable	variable	ADJ
bjmsr-2210	137	4	social	social	ADJ
bjmsr-2210	137	5	media	medium	NOUN
bjmsr-2210	137	6	adoption	adoption	NOUN
bjmsr-2210	137	7	in	in	ADP
bjmsr-2210	137	8	banks	bank	NOUN
bjmsr-2210	137	9	,	,	PUNCT
bjmsr-2210	137	10	we	we	PRON
bjmsr-2210	137	11	have	have	AUX
bjmsr-2210	137	12	considered	consider	VERB
bjmsr-2210	137	13	nine	nine	NUM
bjmsr-2210	137	14	reasons	reason	NOUN
bjmsr-2210	137	15	regarding	regard	VERB
bjmsr-2210	137	16	different	different	ADJ
bjmsr-2210	137	17	usages	usage	NOUN
bjmsr-2210	137	18	of	of	ADP
bjmsr-2210	137	19	social	social	ADJ
bjmsr-2210	137	20	media	medium	NOUN
bjmsr-2210	137	21	in	in	ADP
bjmsr-2210	137	22	banks	bank	NOUN
bjmsr-2210	137	23	.	.	PUNCT
bjmsr-2210	138	1	then	then	ADV
bjmsr-2210	138	2	,	,	PUNCT
bjmsr-2210	138	3	the	the	DET
bjmsr-2210	138	4	other	other	ADJ
bjmsr-2210	138	5	two	two	NUM
bjmsr-2210	138	6	variables	variable	NOUN
bjmsr-2210	138	7	relating	relate	VERB
bjmsr-2210	138	8	to	to	ADP
bjmsr-2210	138	9	social	social	ADJ
bjmsr-2210	138	10	media	medium	NOUN
bjmsr-2210	138	11	banking	banking	NOUN
bjmsr-2210	138	12	services	service	NOUN
bjmsr-2210	138	13	were	be	AUX
bjmsr-2210	138	14	considered	consider	VERB
bjmsr-2210	138	15	,	,	PUNCT
bjmsr-2210	138	16	i.e.	i.e.	X
bjmsr-2210	138	17	,	,	PUNCT
bjmsr-2210	138	18	the	the	DET
bjmsr-2210	138	19	benefits	benefit	NOUN
bjmsr-2210	138	20	and	and	CCONJ
bjmsr-2210	138	21	challenges	challenge	NOUN
bjmsr-2210	138	22	of	of	ADP
bjmsr-2210	138	23	social	social	ADJ
bjmsr-2210	138	24	media	medium	NOUN
bjmsr-2210	138	25	banking	banking	NOUN
bjmsr-2210	138	26	.	.	PUNCT
bjmsr-2210	139	1	concerning	concern	VERB
bjmsr-2210	139	2	the	the	DET
bjmsr-2210	139	3	benefits	benefit	NOUN
bjmsr-2210	139	4	of	of	ADP
bjmsr-2210	139	5	social	social	ADJ
bjmsr-2210	139	6	media	medium	NOUN
bjmsr-2210	139	7	banking	banking	NOUN
bjmsr-2210	139	8	,	,	PUNCT
bjmsr-2210	139	9	the	the	DET
bjmsr-2210	139	10	researcher	researcher	NOUN
bjmsr-2210	139	11	has	have	AUX
bjmsr-2210	139	12	considered	consider	VERB
bjmsr-2210	139	13	and	and	CCONJ
bjmsr-2210	139	14	compiled	compile	VERB
bjmsr-2210	139	15	eleven	eleven	NUM
bjmsr-2210	139	16	benefits	benefit	NOUN
bjmsr-2210	139	17	from	from	ADP
bjmsr-2210	139	18	bankers	banker	NOUN
bjmsr-2210	139	19	'	'	PART
bjmsr-2210	139	20	perspective	perspective	NOUN
bjmsr-2210	139	21	.	.	PUNCT
bjmsr-2210	140	1	finally	finally	ADV
bjmsr-2210	140	2	,	,	PUNCT
bjmsr-2210	140	3	the	the	DET
bjmsr-2210	140	4	variable	variable	ADJ
bjmsr-2210	140	5	challenges	challenge	NOUN
bjmsr-2210	140	6	of	of	ADP
bjmsr-2210	140	7	social	social	ADJ
bjmsr-2210	140	8	media	medium	NOUN
bjmsr-2210	140	9	banking	banking	NOUN
bjmsr-2210	140	10	were	be	AUX
bjmsr-2210	140	11	considered	consider	VERB
bjmsr-2210	140	12	,	,	PUNCT
bjmsr-2210	140	13	and	and	CCONJ
bjmsr-2210	140	14	ten	ten	NUM
bjmsr-2210	140	15	varieties	variety	NOUN
bjmsr-2210	140	16	of	of	ADP
bjmsr-2210	140	17	challenges	challenge	NOUN
bjmsr-2210	140	18	were	be	AUX
bjmsr-2210	140	19	compiled	compile	VERB
bjmsr-2210	140	20	for	for	ADP
bjmsr-2210	140	21	further	further	ADJ
bjmsr-2210	140	22	analysis	analysis	NOUN
bjmsr-2210	140	23	from	from	ADP
bjmsr-2210	140	24	bankers	banker	NOUN
bjmsr-2210	140	25	'	'	PART
bjmsr-2210	140	26	perspectives	perspective	NOUN
bjmsr-2210	140	27	.	.	PUNCT
bjmsr-2210	141	1	the	the	DET
bjmsr-2210	141	2	final	final	ADJ
bjmsr-2210	141	3	questionnaire	questionnaire	NOUN
bjmsr-2210	141	4	was	be	AUX
bjmsr-2210	141	5	circulated	circulate	VERB
bjmsr-2210	141	6	among	among	ADP
bjmsr-2210	141	7	the	the	DET
bjmsr-2210	141	8	employees	employee	NOUN
bjmsr-2210	141	9	of	of	ADP
bjmsr-2210	141	10	banks	bank	NOUN
bjmsr-2210	141	11	that	that	PRON
bjmsr-2210	141	12	provide	provide	VERB
bjmsr-2210	141	13	social	social	ADJ
bjmsr-2210	141	14	media	medium	NOUN
bjmsr-2210	141	15	banking	banking	NOUN
bjmsr-2210	141	16	services	service	NOUN
bjmsr-2210	141	17	.	.	PUNCT
bjmsr-2210	142	1	the	the	DET
bjmsr-2210	142	2	study	study	NOUN
bjmsr-2210	142	3	has	have	AUX
bjmsr-2210	142	4	considered	consider	VERB
bjmsr-2210	142	5	sbi	sbi	NOUN
bjmsr-2210	142	6	,	,	PUNCT
bjmsr-2210	142	7	icici	icici	PROPN
bjmsr-2210	142	8	,	,	PUNCT
bjmsr-2210	142	9	hdfc	hdfc	PROPN
bjmsr-2210	142	10	,	,	PUNCT
bjmsr-2210	142	11	indusind	indusind	PROPN
bjmsr-2210	142	12	bank	bank	NOUN
bjmsr-2210	142	13	,	,	PUNCT
bjmsr-2210	142	14	axis	axis	ADJ
bjmsr-2210	142	15	bank	bank	NOUN
bjmsr-2210	142	16	of	of	ADP
bjmsr-2210	142	17	tamilnadu	tamilnadu	PROPN
bjmsr-2210	142	18	and	and	CCONJ
bjmsr-2210	142	19	puducherry	puducherry	PROPN
bjmsr-2210	142	20	.	.	PUNCT
bjmsr-2210	143	1	the	the	DET
bjmsr-2210	143	2	researcher	researcher	NOUN
bjmsr-2210	143	3	has	have	AUX
bjmsr-2210	143	4	adopted	adopt	VERB
bjmsr-2210	143	5	a	a	DET
bjmsr-2210	143	6	simple	simple	ADJ
bjmsr-2210	143	7	random	random	ADJ
bjmsr-2210	143	8	sampling	sampling	NOUN
bjmsr-2210	143	9	method	method	NOUN
bjmsr-2210	143	10	to	to	PART
bjmsr-2210	143	11	collect	collect	VERB
bjmsr-2210	143	12	data	datum	NOUN
bjmsr-2210	143	13	from	from	ADP
bjmsr-2210	143	14	bank	bank	NOUN
bjmsr-2210	143	15	employees	employee	NOUN
bjmsr-2210	143	16	.	.	PUNCT
bjmsr-2210	144	1	the	the	DET
bjmsr-2210	144	2	data	datum	NOUN
bjmsr-2210	144	3	was	be	AUX
bjmsr-2210	144	4	collected	collect	VERB
bjmsr-2210	144	5	through	through	ADP
bjmsr-2210	144	6	google	google	PROPN
bjmsr-2210	144	7	forms	form	NOUN
bjmsr-2210	144	8	,	,	PUNCT
bjmsr-2210	144	9	and	and	CCONJ
bjmsr-2210	144	10	printed	print	VERB
bjmsr-2210	144	11	questionnaires	questionnaire	NOUN
bjmsr-2210	144	12	were	be	AUX
bjmsr-2210	144	13	circulated	circulate	VERB
bjmsr-2210	144	14	to	to	ADP
bjmsr-2210	144	15	all	all	DET
bjmsr-2210	144	16	the	the	DET
bjmsr-2210	144	17	bank	bank	NOUN
bjmsr-2210	144	18	employees	employee	NOUN
bjmsr-2210	144	19	.	.	PUNCT
bjmsr-2210	145	1	the	the	DET
bjmsr-2210	145	2	researcher	researcher	NOUN
bjmsr-2210	145	3	contacted	contact	VERB
bjmsr-2210	145	4	the	the	DET
bjmsr-2210	145	5	bank	bank	NOUN
bjmsr-2210	145	6	employees	employee	NOUN
bjmsr-2210	145	7	through	through	ADP
bjmsr-2210	145	8	their	their	PRON
bjmsr-2210	145	9	known	know	VERB
bjmsr-2210	145	10	contacts	contact	NOUN
bjmsr-2210	145	11	and	and	CCONJ
bjmsr-2210	145	12	contacts	contact	NOUN
bjmsr-2210	145	13	of	of	ADP
bjmsr-2210	145	14	contacts	contact	NOUN
bjmsr-2210	145	15	.	.	PUNCT
bjmsr-2210	146	1	the	the	DET
bjmsr-2210	146	2	bank	bank	NOUN
bjmsr-2210	146	3	employees	employee	NOUN
bjmsr-2210	146	4	were	be	AUX
bjmsr-2210	146	5	requested	request	VERB
bjmsr-2210	146	6	to	to	PART
bjmsr-2210	146	7	share	share	VERB
bjmsr-2210	146	8	the	the	DET
bjmsr-2210	146	9	questionnaire	questionnaire	NOUN
bjmsr-2210	146	10	with	with	ADP
bjmsr-2210	146	11	all	all	DET
bjmsr-2210	146	12	bank	bank	NOUN
bjmsr-2210	146	13	employees	employee	NOUN
bjmsr-2210	146	14	.	.	PUNCT
bjmsr-2210	147	1	altogether	altogether	ADV
bjmsr-2210	147	2	,	,	PUNCT
bjmsr-2210	147	3	the	the	DET
bjmsr-2210	147	4	researcher	researcher	NOUN
bjmsr-2210	147	5	received	receive	VERB
bjmsr-2210	147	6	back	back	ADV
bjmsr-2210	147	7	523	523	NUM
bjmsr-2210	147	8	filled	fill	VERB
bjmsr-2210	147	9	-	-	PUNCT
bjmsr-2210	147	10	in	in	ADP
bjmsr-2210	147	11	questionnaires	questionnaire	NOUN
bjmsr-2210	147	12	.	.	PUNCT
bjmsr-2210	148	1	the	the	DET
bjmsr-2210	148	2	researchers	researcher	NOUN
bjmsr-2210	148	3	discarded	discard	VERB
bjmsr-2210	148	4	121	121	NUM
bjmsr-2210	148	5	partially	partially	ADV
bjmsr-2210	148	6	filled	fill	VERB
bjmsr-2210	148	7	questionnaires	questionnaire	NOUN
bjmsr-2210	148	8	,	,	PUNCT
bjmsr-2210	148	9	and	and	CCONJ
bjmsr-2210	148	10	the	the	DET
bjmsr-2210	148	11	402	402	NUM
bjmsr-2210	148	12	questionnaires	questionnaire	NOUN
bjmsr-2210	148	13	were	be	AUX
bjmsr-2210	148	14	finally	finally	ADV
bjmsr-2210	148	15	selected	select	VERB
bjmsr-2210	148	16	for	for	ADP
bjmsr-2210	148	17	the	the	DET
bjmsr-2210	148	18	study	study	NOUN
bjmsr-2210	148	19	.	.	PUNCT
bjmsr-2210	149	1	therefore	therefore	ADV
bjmsr-2210	149	2	,	,	PUNCT
bjmsr-2210	149	3	the	the	DET
bjmsr-2210	149	4	sample	sample	NOUN
bjmsr-2210	149	5	size	size	NOUN
bjmsr-2210	149	6	of	of	ADP
bjmsr-2210	149	7	the	the	DET
bjmsr-2210	149	8	study	study	NOUN
bjmsr-2210	149	9	was	be	AUX
bjmsr-2210	149	10	402	402	NUM
bjmsr-2210	149	11	.	.	PUNCT
bjmsr-2210	150	1	statistical	statistical	ADJ
bjmsr-2210	150	2	tools	tool	NOUN
bjmsr-2210	150	3	used	use	VERB
bjmsr-2210	150	4	to	to	PART
bjmsr-2210	150	5	attain	attain	VERB
bjmsr-2210	150	6	the	the	DET
bjmsr-2210	150	7	objectives	objective	NOUN
bjmsr-2210	150	8	of	of	ADP
bjmsr-2210	150	9	this	this	DET
bjmsr-2210	150	10	study	study	NOUN
bjmsr-2210	150	11	are	be	AUX
bjmsr-2210	150	12	the	the	DET
bjmsr-2210	150	13	independent	independent	ADJ
bjmsr-2210	150	14	t	t	PROPN
bjmsr-2210	150	15	-	-	PUNCT
bjmsr-2210	150	16	test	test	NOUN
bjmsr-2210	150	17	and	and	CCONJ
bjmsr-2210	150	18	anova	anova	PROPN
bjmsr-2210	150	19	test	test	PROPN
bjmsr-2210	150	20	(	(	PUNCT
bjmsr-2210	150	21	malkawi	malkawi	ADP
bjmsr-2210	150	22	et	et	PROPN
bjmsr-2210	150	23	al	al	PROPN
bjmsr-2210	150	24	.	.	PROPN
bjmsr-2210	150	25	,	,	PUNCT
bjmsr-2210	150	26	2016	2016	NUM
bjmsr-2210	150	27	)	)	PUNCT
bjmsr-2210	150	28	.	.	PUNCT
bjmsr-2210	151	1	demographic	demographic	ADJ
bjmsr-2210	151	2	profile	profile	NOUN
bjmsr-2210	151	3	social	social	ADJ
bjmsr-2210	151	4	media	medium	NOUN
bjmsr-2210	151	5	adoption	adoption	NOUN
bjmsr-2210	151	6	in	in	ADP
bjmsr-2210	151	7	banks	bank	NOUN
bjmsr-2210	151	8	customer	customer	NOUN
bjmsr-2210	151	9	relationship	relationship	NOUN
bjmsr-2210	151	10	brand	brand	NOUN
bjmsr-2210	151	11	strengthening	strengthen	VERB
bjmsr-2210	151	12	reduce	reduce	VERB
bjmsr-2210	151	13	advertisement	advertisement	NOUN
bjmsr-2210	151	14	exp	exp	NOUN
bjmsr-2210	151	15	.	.	PUNCT
bjmsr-2210	152	1	demographic	demographic	ADJ
bjmsr-2210	152	2	profile	profile	NOUN
bjmsr-2210	152	3	social	social	ADJ
bjmsr-2210	152	4	media	medium	NOUN
bjmsr-2210	152	5	banking	banking	NOUN
bjmsr-2210	152	6	benefits	benefit	NOUN
bjmsr-2210	152	7	challenges	challenge	NOUN
bjmsr-2210	152	8	ramasamy	ramasamy	VERB
bjmsr-2210	152	9	et	et	PROPN
bjmsr-2210	152	10	al	al	PROPN
bjmsr-2210	152	11	.	.	PROPN
bjmsr-2210	152	12	,	,	PUNCT
bjmsr-2210	152	13	bangladesh	bangladesh	PROPN
bjmsr-2210	152	14	journal	journal	NOUN
bjmsr-2210	152	15	of	of	ADP
bjmsr-2210	152	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	152	17	scientific	scientific	ADJ
bjmsr-2210	152	18	research	research	NOUN
bjmsr-2210	152	19	9(2	9(2	NUM
bjmsr-2210	152	20	)	)	PUNCT
bjmsr-2210	152	21	(	(	PUNCT
bjmsr-2210	152	22	2024	2024	NUM
bjmsr-2210	152	23	)	)	PUNCT
bjmsr-2210	152	24	,	,	PUNCT
bjmsr-2210	152	25	1	1	NUM
bjmsr-2210	152	26	-	-	SYM
bjmsr-2210	152	27	9	9	NUM
bjmsr-2210	152	28	5	5	NUM
bjmsr-2210	152	29	variables	variable	NOUN
bjmsr-2210	152	30	the	the	DET
bjmsr-2210	152	31	variables	variable	NOUN
bjmsr-2210	152	32	considered	consider	VERB
bjmsr-2210	152	33	include	include	VERB
bjmsr-2210	152	34	the	the	DET
bjmsr-2210	152	35	demographic	demographic	ADJ
bjmsr-2210	152	36	profile	profile	NOUN
bjmsr-2210	152	37	of	of	ADP
bjmsr-2210	152	38	the	the	DET
bjmsr-2210	152	39	bankers	banker	NOUN
bjmsr-2210	152	40	,	,	PUNCT
bjmsr-2210	152	41	social	social	ADJ
bjmsr-2210	152	42	media	medium	NOUN
bjmsr-2210	152	43	adoption	adoption	NOUN
bjmsr-2210	152	44	in	in	ADP
bjmsr-2210	152	45	banks	bank	NOUN
bjmsr-2210	152	46	,	,	PUNCT
bjmsr-2210	152	47	benefits	benefit	NOUN
bjmsr-2210	152	48	of	of	ADP
bjmsr-2210	152	49	social	social	ADJ
bjmsr-2210	152	50	media	medium	NOUN
bjmsr-2210	152	51	banking	banking	NOUN
bjmsr-2210	152	52	adoption	adoption	NOUN
bjmsr-2210	152	53	and	and	CCONJ
bjmsr-2210	152	54	challenges	challenge	NOUN
bjmsr-2210	152	55	in	in	ADP
bjmsr-2210	152	56	social	social	ADJ
bjmsr-2210	152	57	media	medium	NOUN
bjmsr-2210	152	58	banking	banking	NOUN
bjmsr-2210	152	59	services	service	NOUN
bjmsr-2210	152	60	.	.	PUNCT
bjmsr-2210	153	1	the	the	DET
bjmsr-2210	153	2	demographic	demographic	ADJ
bjmsr-2210	153	3	profile	profile	NOUN
bjmsr-2210	153	4	of	of	ADP
bjmsr-2210	153	5	the	the	DET
bjmsr-2210	153	6	bankers	banker	NOUN
bjmsr-2210	153	7	comprises	comprise	VERB
bjmsr-2210	153	8	gender	gender	NOUN
bjmsr-2210	153	9	,	,	PUNCT
bjmsr-2210	153	10	educational	educational	ADJ
bjmsr-2210	153	11	background	background	NOUN
bjmsr-2210	153	12	,	,	PUNCT
bjmsr-2210	153	13	bank	bank	NOUN
bjmsr-2210	153	14	category	category	NOUN
bjmsr-2210	153	15	,	,	PUNCT
bjmsr-2210	153	16	age	age	NOUN
bjmsr-2210	153	17	,	,	PUNCT
bjmsr-2210	153	18	education	education	NOUN
bjmsr-2210	153	19	qualification	qualification	NOUN
bjmsr-2210	153	20	,	,	PUNCT
bjmsr-2210	153	21	designation	designation	NOUN
bjmsr-2210	153	22	and	and	CCONJ
bjmsr-2210	153	23	experience	experience	NOUN
bjmsr-2210	153	24	in	in	ADP
bjmsr-2210	153	25	banking	banking	NOUN
bjmsr-2210	153	26	.	.	PUNCT
bjmsr-2210	154	1	results	result	NOUN
bjmsr-2210	154	2	and	and	CCONJ
bjmsr-2210	154	3	discussions	discussion	NOUN
bjmsr-2210	154	4	effect	effect	NOUN
bjmsr-2210	154	5	of	of	ADP
bjmsr-2210	154	6	demographic	demographic	ADJ
bjmsr-2210	154	7	variables	variable	NOUN
bjmsr-2210	154	8	on	on	ADP
bjmsr-2210	154	9	social	social	ADJ
bjmsr-2210	154	10	media	medium	NOUN
bjmsr-2210	154	11	adoption	adoption	NOUN
bjmsr-2210	154	12	in	in	ADP
bjmsr-2210	154	13	banks	bank	NOUN
bjmsr-2210	154	14	before	before	ADP
bjmsr-2210	154	15	analyzing	analyze	VERB
bjmsr-2210	154	16	the	the	DET
bjmsr-2210	154	17	benefits	benefit	NOUN
bjmsr-2210	154	18	and	and	CCONJ
bjmsr-2210	154	19	challenges	challenge	NOUN
bjmsr-2210	154	20	of	of	ADP
bjmsr-2210	154	21	social	social	ADJ
bjmsr-2210	154	22	media	medium	NOUN
bjmsr-2210	154	23	banking	banking	NOUN
bjmsr-2210	154	24	services	service	NOUN
bjmsr-2210	154	25	,	,	PUNCT
bjmsr-2210	154	26	the	the	DET
bjmsr-2210	154	27	adoption	adoption	NOUN
bjmsr-2210	154	28	of	of	ADP
bjmsr-2210	154	29	social	social	ADJ
bjmsr-2210	154	30	media	medium	NOUN
bjmsr-2210	154	31	in	in	ADP
bjmsr-2210	154	32	banks	bank	NOUN
bjmsr-2210	154	33	has	have	AUX
bjmsr-2210	154	34	been	be	AUX
bjmsr-2210	154	35	assessed	assess	VERB
bjmsr-2210	154	36	to	to	PART
bjmsr-2210	154	37	find	find	VERB
bjmsr-2210	154	38	out	out	ADP
bjmsr-2210	154	39	how	how	SCONJ
bjmsr-2210	154	40	the	the	DET
bjmsr-2210	154	41	banks	bank	NOUN
bjmsr-2210	154	42	use	use	VERB
bjmsr-2210	154	43	social	social	ADJ
bjmsr-2210	154	44	media	medium	NOUN
bjmsr-2210	154	45	for	for	ADP
bjmsr-2210	154	46	various	various	ADJ
bjmsr-2210	154	47	activities	activity	NOUN
bjmsr-2210	154	48	such	such	ADJ
bjmsr-2210	154	49	as	as	ADP
bjmsr-2210	154	50	customer	customer	NOUN
bjmsr-2210	154	51	relationships	relationship	NOUN
bjmsr-2210	154	52	,	,	PUNCT
bjmsr-2210	154	53	advertising	advertising	NOUN
bjmsr-2210	154	54	,	,	PUNCT
bjmsr-2210	154	55	sales	sale	NOUN
bjmsr-2210	154	56	,	,	PUNCT
bjmsr-2210	154	57	etc	etc	X
bjmsr-2210	154	58	.	.	X
bjmsr-2210	154	59	,	,	PUNCT
bjmsr-2210	154	60	the	the	DET
bjmsr-2210	154	61	variable	variable	NOUN
bjmsr-2210	154	62	,	,	PUNCT
bjmsr-2210	154	63	adoption	adoption	NOUN
bjmsr-2210	154	64	of	of	ADP
bjmsr-2210	154	65	social	social	ADJ
bjmsr-2210	154	66	media	medium	NOUN
bjmsr-2210	154	67	in	in	ADP
bjmsr-2210	154	68	banks	bank	NOUN
bjmsr-2210	154	69	provides	provide	VERB
bjmsr-2210	154	70	various	various	ADJ
bjmsr-2210	154	71	social	social	ADJ
bjmsr-2210	154	72	media	medium	NOUN
bjmsr-2210	154	73	usage	usage	NOUN
bjmsr-2210	154	74	in	in	ADP
bjmsr-2210	154	75	banks	bank	NOUN
bjmsr-2210	154	76	by	by	ADP
bjmsr-2210	154	77	analyzing	analyze	VERB
bjmsr-2210	154	78	the	the	DET
bjmsr-2210	154	79	nine	nine	NUM
bjmsr-2210	154	80	reasons	reason	NOUN
bjmsr-2210	154	81	related	relate	VERB
bjmsr-2210	154	82	to	to	ADP
bjmsr-2210	154	83	usage	usage	NOUN
bjmsr-2210	154	84	listed	list	VERB
bjmsr-2210	154	85	in	in	ADP
bjmsr-2210	154	86	the	the	DET
bjmsr-2210	154	87	questionnaire	questionnaire	NOUN
bjmsr-2210	154	88	.	.	PUNCT
bjmsr-2210	155	1	the	the	DET
bjmsr-2210	155	2	top	top	ADJ
bjmsr-2210	155	3	three	three	NUM
bjmsr-2210	155	4	reasons	reason	NOUN
bjmsr-2210	155	5	for	for	ADP
bjmsr-2210	155	6	social	social	ADJ
bjmsr-2210	155	7	media	medium	NOUN
bjmsr-2210	155	8	adoption	adoption	NOUN
bjmsr-2210	155	9	are	be	AUX
bjmsr-2210	155	10	analyzed	analyze	VERB
bjmsr-2210	155	11	to	to	PART
bjmsr-2210	155	12	determine	determine	VERB
bjmsr-2210	155	13	the	the	DET
bjmsr-2210	155	14	effect	effect	NOUN
bjmsr-2210	155	15	of	of	ADP
bjmsr-2210	155	16	bankers	banker	NOUN
bjmsr-2210	155	17	'	'	PART
bjmsr-2210	155	18	demographic	demographic	ADJ
bjmsr-2210	155	19	profiles	profile	NOUN
bjmsr-2210	155	20	on	on	ADP
bjmsr-2210	155	21	social	social	ADJ
bjmsr-2210	155	22	media	medium	NOUN
bjmsr-2210	155	23	adoption	adoption	NOUN
bjmsr-2210	155	24	in	in	ADP
bjmsr-2210	155	25	banks	bank	NOUN
bjmsr-2210	155	26	.	.	PUNCT
bjmsr-2210	156	1	independent	independent	ADJ
bjmsr-2210	156	2	t	t	NOUN
bjmsr-2210	156	3	-	-	PUNCT
bjmsr-2210	156	4	tests	test	NOUN
bjmsr-2210	156	5	and	and	CCONJ
bjmsr-2210	156	6	anova	anova	PROPN
bjmsr-2210	156	7	were	be	AUX
bjmsr-2210	156	8	used	use	VERB
bjmsr-2210	156	9	for	for	ADP
bjmsr-2210	156	10	analysis	analysis	NOUN
bjmsr-2210	156	11	.	.	PUNCT
bjmsr-2210	157	1	the	the	DET
bjmsr-2210	157	2	top	top	ADJ
bjmsr-2210	157	3	three	three	NUM
bjmsr-2210	157	4	reasons	reason	NOUN
bjmsr-2210	157	5	for	for	ADP
bjmsr-2210	157	6	social	social	ADJ
bjmsr-2210	157	7	media	medium	NOUN
bjmsr-2210	157	8	adoption	adoption	NOUN
bjmsr-2210	157	9	are	be	AUX
bjmsr-2210	157	10	,	,	PUNCT
bjmsr-2210	157	11			X
bjmsr-2210	157	12	improve	improve	VERB
bjmsr-2210	157	13	customer	customer	NOUN
bjmsr-2210	157	14	relationships	relationship	NOUN
bjmsr-2210	157	15	with	with	ADP
bjmsr-2210	157	16	new	new	ADJ
bjmsr-2210	157	17	and	and	CCONJ
bjmsr-2210	157	18	existing	exist	VERB
bjmsr-2210	157	19	customers	customer	NOUN
bjmsr-2210	157	20	(	(	PUNCT
bjmsr-2210	157	21	mean	mean	PROPN
bjmsr-2210	157	22	score:3.20	score:3.20	PROPN
bjmsr-2210	157	23	)	)	PUNCT
bjmsr-2210	157	24			PART
bjmsr-2210	157	25	brand	brand	NOUN
bjmsr-2210	157	26	strengthening	strengthening	NOUN
bjmsr-2210	157	27	(	(	PUNCT
bjmsr-2210	157	28	mean	mean	NOUN
bjmsr-2210	157	29	score:3.37	score:3.37	PROPN
bjmsr-2210	157	30	)	)	PUNCT
bjmsr-2210	157	31			VERB
bjmsr-2210	157	32	reduce	reduce	VERB
bjmsr-2210	157	33	advertisement	advertisement	NOUN
bjmsr-2210	157	34	expenses	expense	NOUN
bjmsr-2210	157	35	on	on	ADP
bjmsr-2210	157	36	banking	banking	NOUN
bjmsr-2210	157	37	products	product	NOUN
bjmsr-2210	157	38	and	and	CCONJ
bjmsr-2210	157	39	services	service	NOUN
bjmsr-2210	157	40	(	(	PUNCT
bjmsr-2210	157	41	mean	mean	PROPN
bjmsr-2210	157	42	score:3.17	score:3.17	PROPN
bjmsr-2210	157	43	)	)	PUNCT
bjmsr-2210	157	44	table	table	NOUN
bjmsr-2210	158	1	1	1	NUM
bjmsr-2210	158	2	.	.	PUNCT
bjmsr-2210	159	1	influence	influence	NOUN
bjmsr-2210	159	2	of	of	ADP
bjmsr-2210	159	3	demographic	demographic	ADJ
bjmsr-2210	159	4	profile	profile	NOUN
bjmsr-2210	159	5	(	(	PUNCT
bjmsr-2210	159	6	gender	gender	NOUN
bjmsr-2210	159	7	,	,	PUNCT
bjmsr-2210	159	8	educational	educational	ADJ
bjmsr-2210	159	9	background	background	NOUN
bjmsr-2210	159	10	and	and	CCONJ
bjmsr-2210	159	11	bank	bank	NOUN
bjmsr-2210	159	12	category	category	NOUN
bjmsr-2210	159	13	)	)	PUNCT
bjmsr-2210	159	14	of	of	ADP
bjmsr-2210	159	15	bankers	banker	NOUN
bjmsr-2210	159	16	on	on	ADP
bjmsr-2210	159	17	reasons	reason	NOUN
bjmsr-2210	159	18	for	for	ADP
bjmsr-2210	159	19	social	social	ADJ
bjmsr-2210	159	20	media	medium	NOUN
bjmsr-2210	159	21	adoption	adoption	NOUN
bjmsr-2210	159	22	reasons	reason	NOUN
bjmsr-2210	159	23	for	for	ADP
bjmsr-2210	159	24	social	social	ADJ
bjmsr-2210	159	25	media	medium	NOUN
bjmsr-2210	159	26	adoption	adoption	NOUN
bjmsr-2210	159	27	in	in	ADP
bjmsr-2210	159	28	banks	bank	NOUN
bjmsr-2210	159	29	gender	gender	NOUN
bjmsr-2210	159	30	educational	educational	ADJ
bjmsr-2210	159	31	background	background	NOUN
bjmsr-2210	159	32	bank	bank	NOUN
bjmsr-2210	159	33	category	category	NOUN
bjmsr-2210	159	34	mean	mean	VERB
bjmsr-2210	159	35	t	t	NOUN
bjmsr-2210	159	36	value	value	NOUN
bjmsr-2210	160	1	mean	mean	NOUN
bjmsr-2210	160	2	t	t	NOUN
bjmsr-2210	160	3	value	value	NOUN
bjmsr-2210	160	4	mean	mean	NOUN
bjmsr-2210	160	5	t	t	NOUN
bjmsr-2210	160	6	value	value	NOUN
bjmsr-2210	160	7	customer	customer	NOUN
bjmsr-2210	160	8	relationship	relationship	NOUN
bjmsr-2210	160	9	3.44	3.44	NUM
bjmsr-2210	160	10	(	(	PUNCT
bjmsr-2210	160	11	m	m	NOUN
bjmsr-2210	160	12	)	)	PUNCT
bjmsr-2210	160	13	4.71	4.71	NUM
bjmsr-2210	160	14	*	*	PUNCT
bjmsr-2210	160	15	*	*	PUNCT
bjmsr-2210	160	16	*	*	PUNCT
bjmsr-2210	160	17	3.54	3.54	NUM
bjmsr-2210	160	18	(	(	PUNCT
bjmsr-2210	160	19	it	it	PRON
bjmsr-2210	160	20	)	)	PUNCT
bjmsr-2210	160	21	4.99	4.99	NUM
bjmsr-2210	160	22	*	*	PUNCT
bjmsr-2210	160	23	*	*	PUNCT
bjmsr-2210	160	24	*	*	PUNCT
bjmsr-2210	160	25	3.43	3.43	NUM
bjmsr-2210	160	26	(	(	PUNCT
bjmsr-2210	160	27	private	private	ADJ
bjmsr-2210	160	28	)	)	PUNCT
bjmsr-2210	160	29	3.52	3.52	NUM
bjmsr-2210	160	30	*	*	PUNCT
bjmsr-2210	160	31	*	*	PUNCT
bjmsr-2210	160	32	*	*	X
bjmsr-2210	160	33	2.82	2.82	NUM
bjmsr-2210	160	34	(	(	PUNCT
bjmsr-2210	160	35	f	f	X
bjmsr-2210	160	36	)	)	PUNCT
bjmsr-2210	160	37	2.90	2.90	NUM
bjmsr-2210	160	38	(	(	PUNCT
bjmsr-2210	160	39	non	non	ADJ
bjmsr-2210	160	40	-	-	ADJ
bjmsr-2210	160	41	it	it	PRON
bjmsr-2210	160	42	)	)	PUNCT
bjmsr-2210	160	43	2.98	2.98	NUM
bjmsr-2210	160	44	(	(	PUNCT
bjmsr-2210	160	45	public	public	ADJ
bjmsr-2210	160	46	)	)	PUNCT
bjmsr-2210	160	47	brand	brand	NOUN
bjmsr-2210	160	48	strengthening	strengthen	VERB
bjmsr-2210	160	49	3.40	3.40	NUM
bjmsr-2210	160	50	(	(	PUNCT
bjmsr-2210	160	51	m	m	NOUN
bjmsr-2210	160	52	)	)	PUNCT
bjmsr-2210	160	53	0.72	0.72	NUM
bjmsr-2210	160	54	3.59	3.59	NUM
bjmsr-2210	160	55	(	(	PUNCT
bjmsr-2210	160	56	it	it	PRON
bjmsr-2210	160	57	)	)	PUNCT
bjmsr-2210	160	58	5.33	5.33	NUM
bjmsr-2210	160	59	*	*	PUNCT
bjmsr-2210	160	60	*	*	PUNCT
bjmsr-2210	160	61	*	*	PUNCT
bjmsr-2210	160	62	3.50	3.50	NUM
bjmsr-2210	160	63	(	(	PUNCT
bjmsr-2210	160	64	private	private	ADJ
bjmsr-2210	160	65	)	)	PUNCT
bjmsr-2210	160	66	3.16	3.16	NUM
bjmsr-2210	160	67	*	*	PUNCT
bjmsr-2210	160	68	*	*	PUNCT
bjmsr-2210	160	69	*	*	PUNCT
bjmsr-2210	160	70	3.34	3.34	NUM
bjmsr-2210	160	71	(	(	PUNCT
bjmsr-2210	160	72	f	f	X
bjmsr-2210	160	73	)	)	PUNCT
bjmsr-2210	160	74	3.19	3.19	NUM
bjmsr-2210	160	75	(	(	PUNCT
bjmsr-2210	160	76	non	non	ADJ
bjmsr-2210	160	77	-	-	ADJ
bjmsr-2210	160	78	it	it	PRON
bjmsr-2210	160	79	)	)	PUNCT
bjmsr-2210	160	80	3.26	3.26	NUM
bjmsr-2210	160	81	(	(	PUNCT
bjmsr-2210	160	82	public	public	ADJ
bjmsr-2210	160	83	)	)	PUNCT
bjmsr-2210	160	84	reduce	reduce	VERB
bjmsr-2210	160	85	advertisement	advertisement	NOUN
bjmsr-2210	160	86	expenses	expense	NOUN
bjmsr-2210	160	87	3.23	3.23	NUM
bjmsr-2210	160	88	(	(	PUNCT
bjmsr-2210	160	89	m	m	NOUN
bjmsr-2210	160	90	)	)	PUNCT
bjmsr-2210	160	91	1.49	1.49	NUM
bjmsr-2210	160	92	3.54	3.54	NUM
bjmsr-2210	160	93	(	(	PUNCT
bjmsr-2210	160	94	it	it	PRON
bjmsr-2210	160	95	)	)	PUNCT
bjmsr-2210	160	96	7.35	7.35	NUM
bjmsr-2210	160	97	*	*	PUNCT
bjmsr-2210	160	98	*	*	PUNCT
bjmsr-2210	160	99	*	*	X
bjmsr-2210	160	100	3.42	3.42	NUM
bjmsr-2210	160	101	(	(	PUNCT
bjmsr-2210	160	102	private	private	ADJ
bjmsr-2210	160	103	)	)	PUNCT
bjmsr-2210	160	104	5.07	5.07	NUM
bjmsr-2210	160	105	*	*	PUNCT
bjmsr-2210	160	106	*	*	PUNCT
bjmsr-2210	160	107	*	*	PUNCT
bjmsr-2210	160	108	3.08	3.08	NUM
bjmsr-2210	160	109	(	(	PUNCT
bjmsr-2210	160	110	f	f	X
bjmsr-2210	160	111	)	)	PUNCT
bjmsr-2210	160	112	2.85	2.85	NUM
bjmsr-2210	160	113	(	(	PUNCT
bjmsr-2210	160	114	non	non	ADJ
bjmsr-2210	160	115	-	-	ADJ
bjmsr-2210	160	116	it	it	PRON
bjmsr-2210	160	117	)	)	PUNCT
bjmsr-2210	160	118	2.93	2.93	NUM
bjmsr-2210	160	119	(	(	PUNCT
bjmsr-2210	160	120	public	public	NOUN
bjmsr-2210	160	121	)	)	PUNCT
bjmsr-2210	160	122	*	*	PUNCT
bjmsr-2210	161	1	*	*	PUNCT
bjmsr-2210	161	2	*	*	PUNCT
bjmsr-2210	161	3	*	*	PUNCT
bjmsr-2210	161	4	*	*	PUNCT
bjmsr-2210	161	5	sig	sig	NOUN
bjmsr-2210	161	6	at	at	ADP
bjmsr-2210	161	7	5	5	NUM
bjmsr-2210	161	8	%	%	NOUN
bjmsr-2210	161	9	and	and	CCONJ
bjmsr-2210	161	10	1	1	NUM
bjmsr-2210	161	11	%	%	NOUN
bjmsr-2210	161	12	respectively	respectively	ADV
bjmsr-2210	161	13	source	source	NOUN
bjmsr-2210	161	14	:	:	PUNCT
bjmsr-2210	161	15	author	author	NOUN
bjmsr-2210	161	16	’s	’s	PART
bjmsr-2210	161	17	own	own	ADJ
bjmsr-2210	161	18	estimation	estimation	NOUN
bjmsr-2210	161	19	the	the	DET
bjmsr-2210	161	20	independent	independent	ADJ
bjmsr-2210	161	21	t	t	PROPN
bjmsr-2210	161	22	-	-	PUNCT
bjmsr-2210	161	23	test	test	NOUN
bjmsr-2210	161	24	has	have	AUX
bjmsr-2210	161	25	been	be	AUX
bjmsr-2210	161	26	carried	carry	VERB
bjmsr-2210	161	27	out	out	ADP
bjmsr-2210	161	28	to	to	PART
bjmsr-2210	161	29	find	find	VERB
bjmsr-2210	161	30	the	the	DET
bjmsr-2210	161	31	effect	effect	NOUN
bjmsr-2210	161	32	of	of	ADP
bjmsr-2210	161	33	demographic	demographic	ADJ
bjmsr-2210	161	34	profile	profile	NOUN
bjmsr-2210	161	35	variables	variable	NOUN
bjmsr-2210	161	36	(	(	PUNCT
bjmsr-2210	161	37	gender	gender	NOUN
bjmsr-2210	161	38	,	,	PUNCT
bjmsr-2210	161	39	educational	educational	ADJ
bjmsr-2210	161	40	background	background	NOUN
bjmsr-2210	161	41	,	,	PUNCT
bjmsr-2210	161	42	and	and	CCONJ
bjmsr-2210	161	43	bank	bank	NOUN
bjmsr-2210	161	44	category	category	NOUN
bjmsr-2210	161	45	)	)	PUNCT
bjmsr-2210	161	46	of	of	ADP
bjmsr-2210	161	47	the	the	DET
bjmsr-2210	161	48	bankers	banker	NOUN
bjmsr-2210	161	49	and	and	CCONJ
bjmsr-2210	161	50	reasons	reason	NOUN
bjmsr-2210	161	51	for	for	ADP
bjmsr-2210	161	52	social	social	ADJ
bjmsr-2210	161	53	media	medium	NOUN
bjmsr-2210	161	54	adoption	adoption	NOUN
bjmsr-2210	161	55	represented	represent	VERB
bjmsr-2210	161	56	in	in	ADP
bjmsr-2210	161	57	table	table	NOUN
bjmsr-2210	161	58	1	1	NUM
bjmsr-2210	161	59	.	.	PUNCT
bjmsr-2210	161	60	from	from	ADP
bjmsr-2210	161	61	the	the	DET
bjmsr-2210	161	62	above	above	ADJ
bjmsr-2210	161	63	results	result	NOUN
bjmsr-2210	161	64	,	,	PUNCT
bjmsr-2210	161	65	it	it	PRON
bjmsr-2210	161	66	is	be	AUX
bjmsr-2210	161	67	inferred	infer	VERB
bjmsr-2210	161	68	that	that	SCONJ
bjmsr-2210	161	69	gender	gender	NOUN
bjmsr-2210	161	70	only	only	ADV
bjmsr-2210	161	71	influences	influence	NOUN
bjmsr-2210	161	72	improving	improve	VERB
bjmsr-2210	161	73	the	the	DET
bjmsr-2210	161	74	customer	customer	NOUN
bjmsr-2210	161	75	relationship	relationship	NOUN
bjmsr-2210	161	76	with	with	ADP
bjmsr-2210	161	77	new	new	ADJ
bjmsr-2210	161	78	and	and	CCONJ
bjmsr-2210	161	79	existing	exist	VERB
bjmsr-2210	161	80	customers	customer	NOUN
bjmsr-2210	161	81	(	(	PUNCT
bjmsr-2210	161	82	i.e.	i.e.	X
bjmsr-2210	161	83	,	,	PUNCT
bjmsr-2210	161	84	the	the	DET
bjmsr-2210	161	85	null	null	ADJ
bjmsr-2210	161	86	hypothesis	hypothesis	NOUN
bjmsr-2210	161	87	is	be	AUX
bjmsr-2210	161	88	rejected	reject	VERB
bjmsr-2210	161	89	at	at	ADP
bjmsr-2210	161	90	the	the	DET
bjmsr-2210	161	91	1	1	NUM
bjmsr-2210	161	92	%	%	NOUN
bjmsr-2210	161	93	level	level	NOUN
bjmsr-2210	161	94	)	)	PUNCT
bjmsr-2210	161	95	.	.	PUNCT
bjmsr-2210	162	1	the	the	DET
bjmsr-2210	162	2	null	null	ADJ
bjmsr-2210	162	3	hypothesis	hypothesis	NOUN
bjmsr-2210	162	4	(	(	PUNCT
bjmsr-2210	162	5	h1	h1	PROPN
bjmsr-2210	162	6	)	)	PUNCT
bjmsr-2210	162	7	is	be	AUX
bjmsr-2210	162	8	accepted	accept	VERB
bjmsr-2210	162	9	for	for	ADP
bjmsr-2210	162	10	the	the	DET
bjmsr-2210	162	11	remaining	remain	VERB
bjmsr-2210	162	12	two	two	NUM
bjmsr-2210	162	13	constructs	construct	NOUN
bjmsr-2210	162	14	,	,	PUNCT
bjmsr-2210	162	15	i.e.	i.e.	X
bjmsr-2210	162	16	,	,	PUNCT
bjmsr-2210	162	17	brand	brand	NOUN
bjmsr-2210	162	18	strengthening	strengthening	NOUN
bjmsr-2210	162	19	and	and	CCONJ
bjmsr-2210	162	20	reduced	reduce	VERB
bjmsr-2210	162	21	advertisement	advertisement	NOUN
bjmsr-2210	162	22	expenses	expense	NOUN
bjmsr-2210	162	23	.	.	PUNCT
bjmsr-2210	163	1	the	the	DET
bjmsr-2210	163	2	mean	mean	ADJ
bjmsr-2210	163	3	score	score	NOUN
bjmsr-2210	163	4	for	for	ADP
bjmsr-2210	163	5	males	male	NOUN
bjmsr-2210	163	6	is	be	AUX
bjmsr-2210	163	7	higher	high	ADJ
bjmsr-2210	163	8	than	than	ADP
bjmsr-2210	163	9	for	for	ADP
bjmsr-2210	163	10	females	female	NOUN
bjmsr-2210	163	11	,	,	PUNCT
bjmsr-2210	163	12	so	so	ADV
bjmsr-2210	163	13	male	male	ADJ
bjmsr-2210	163	14	bankers	banker	NOUN
bjmsr-2210	163	15	are	be	AUX
bjmsr-2210	163	16	likelier	likeli	ADJ
bjmsr-2210	163	17	to	to	PART
bjmsr-2210	163	18	improve	improve	VERB
bjmsr-2210	163	19	customer	customer	NOUN
bjmsr-2210	163	20	relationships	relationship	NOUN
bjmsr-2210	163	21	with	with	ADP
bjmsr-2210	163	22	new	new	ADJ
bjmsr-2210	163	23	and	and	CCONJ
bjmsr-2210	163	24	existing	exist	VERB
bjmsr-2210	163	25	customers	customer	NOUN
bjmsr-2210	163	26	through	through	ADP
bjmsr-2210	163	27	social	social	ADJ
bjmsr-2210	163	28	media	medium	NOUN
bjmsr-2210	163	29	than	than	ADP
bjmsr-2210	163	30	female	female	ADJ
bjmsr-2210	163	31	bankers	banker	NOUN
bjmsr-2210	163	32	.	.	PUNCT
bjmsr-2210	164	1	regarding	regard	VERB
bjmsr-2210	164	2	educational	educational	ADJ
bjmsr-2210	164	3	background	background	NOUN
bjmsr-2210	164	4	,	,	PUNCT
bjmsr-2210	164	5	bankers	banker	NOUN
bjmsr-2210	164	6	with	with	ADP
bjmsr-2210	164	7	an	an	DET
bjmsr-2210	164	8	it	it	PRON
bjmsr-2210	164	9	educational	educational	ADJ
bjmsr-2210	164	10	background	background	NOUN
bjmsr-2210	164	11	influence	influence	NOUN
bjmsr-2210	164	12	all	all	DET
bjmsr-2210	164	13	three	three	NUM
bjmsr-2210	164	14	constructs	construct	NOUN
bjmsr-2210	164	15	of	of	ADP
bjmsr-2210	164	16	social	social	ADJ
bjmsr-2210	164	17	media	medium	NOUN
bjmsr-2210	164	18	adoption	adoption	NOUN
bjmsr-2210	164	19	.	.	PUNCT
bjmsr-2210	165	1	so	so	ADV
bjmsr-2210	165	2	,	,	PUNCT
bjmsr-2210	165	3	the	the	DET
bjmsr-2210	165	4	null	null	ADJ
bjmsr-2210	165	5	hypothesis	hypothesis	NOUN
bjmsr-2210	165	6	(	(	PUNCT
bjmsr-2210	165	7	h1	h1	PROPN
bjmsr-2210	165	8	)	)	PUNCT
bjmsr-2210	165	9	about	about	ADP
bjmsr-2210	165	10	educational	educational	ADJ
bjmsr-2210	165	11	background	background	NOUN
bjmsr-2210	165	12	is	be	AUX
bjmsr-2210	165	13	not	not	PART
bjmsr-2210	165	14	accepted	accept	VERB
bjmsr-2210	165	15	.	.	PUNCT
bjmsr-2210	166	1	bankers	banker	NOUN
bjmsr-2210	166	2	with	with	ADP
bjmsr-2210	166	3	an	an	DET
bjmsr-2210	166	4	it	it	PRON
bjmsr-2210	166	5	educational	educational	ADJ
bjmsr-2210	166	6	background	background	NOUN
bjmsr-2210	166	7	are	be	AUX
bjmsr-2210	166	8	more	more	ADV
bjmsr-2210	166	9	likely	likely	ADJ
bjmsr-2210	166	10	to	to	PART
bjmsr-2210	166	11	use	use	VERB
bjmsr-2210	166	12	social	social	ADJ
bjmsr-2210	166	13	media	medium	NOUN
bjmsr-2210	166	14	in	in	ADP
bjmsr-2210	166	15	banks	bank	NOUN
bjmsr-2210	166	16	for	for	ADP
bjmsr-2210	166	17	various	various	ADJ
bjmsr-2210	166	18	purposes	purpose	NOUN
bjmsr-2210	166	19	than	than	ADP
bjmsr-2210	166	20	non	non	ADJ
bjmsr-2210	166	21	-	-	ADJ
bjmsr-2210	166	22	it	it	PRON
bjmsr-2210	166	23	bankers	banker	NOUN
bjmsr-2210	166	24	.	.	PUNCT
bjmsr-2210	167	1	the	the	DET
bjmsr-2210	167	2	bank	bank	NOUN
bjmsr-2210	167	3	category	category	NOUN
bjmsr-2210	167	4	also	also	ADV
bjmsr-2210	167	5	influences	influence	VERB
bjmsr-2210	167	6	selected	select	VERB
bjmsr-2210	167	7	constructs	construct	NOUN
bjmsr-2210	167	8	of	of	ADP
bjmsr-2210	167	9	social	social	ADJ
bjmsr-2210	167	10	media	medium	NOUN
bjmsr-2210	167	11	adoption	adoption	NOUN
bjmsr-2210	167	12	.	.	PUNCT
bjmsr-2210	168	1	private	private	ADJ
bjmsr-2210	168	2	-	-	PUNCT
bjmsr-2210	168	3	sector	sector	NOUN
bjmsr-2210	168	4	bankers	banker	NOUN
bjmsr-2210	168	5	tend	tend	VERB
bjmsr-2210	168	6	more	more	ADJ
bjmsr-2210	168	7	towards	towards	ADP
bjmsr-2210	168	8	social	social	ADJ
bjmsr-2210	168	9	media	medium	NOUN
bjmsr-2210	168	10	adoption	adoption	NOUN
bjmsr-2210	168	11	than	than	ADP
bjmsr-2210	168	12	public	public	ADJ
bjmsr-2210	168	13	-	-	PUNCT
bjmsr-2210	168	14	sector	sector	NOUN
bjmsr-2210	168	15	bankers	banker	NOUN
bjmsr-2210	168	16	.	.	PUNCT
bjmsr-2210	169	1	so	so	ADV
bjmsr-2210	169	2	,	,	PUNCT
bjmsr-2210	169	3	the	the	DET
bjmsr-2210	169	4	null	null	ADJ
bjmsr-2210	169	5	hypothesis	hypothesis	NOUN
bjmsr-2210	169	6	(	(	PUNCT
bjmsr-2210	169	7	h1	h1	PROPN
bjmsr-2210	169	8	)	)	PUNCT
bjmsr-2210	169	9	is	be	AUX
bjmsr-2210	169	10	rejected	reject	VERB
bjmsr-2210	169	11	for	for	ADP
bjmsr-2210	169	12	the	the	DET
bjmsr-2210	169	13	bank	bank	NOUN
bjmsr-2210	169	14	category	category	NOUN
bjmsr-2210	169	15	about	about	ADP
bjmsr-2210	169	16	all	all	DET
bjmsr-2210	169	17	three	three	NUM
bjmsr-2210	169	18	constructs	construct	NOUN
bjmsr-2210	169	19	of	of	ADP
bjmsr-2210	169	20	social	social	ADJ
bjmsr-2210	169	21	media	medium	NOUN
bjmsr-2210	169	22	adoption	adoption	NOUN
bjmsr-2210	169	23	.	.	PUNCT
bjmsr-2210	170	1	the	the	DET
bjmsr-2210	170	2	prevailing	prevail	VERB
bjmsr-2210	170	3	competition	competition	NOUN
bjmsr-2210	170	4	in	in	ADP
bjmsr-2210	170	5	the	the	DET
bjmsr-2210	170	6	banking	banking	NOUN
bjmsr-2210	170	7	sector	sector	NOUN
bjmsr-2210	170	8	could	could	AUX
bjmsr-2210	170	9	have	have	AUX
bjmsr-2210	170	10	motivated	motivate	VERB
bjmsr-2210	170	11	private	private	ADJ
bjmsr-2210	170	12	-	-	PUNCT
bjmsr-2210	170	13	sector	sector	NOUN
bjmsr-2210	170	14	banks	bank	NOUN
bjmsr-2210	170	15	to	to	PART
bjmsr-2210	170	16	concentrate	concentrate	VERB
bjmsr-2210	170	17	on	on	ADP
bjmsr-2210	170	18	customer	customer	NOUN
bjmsr-2210	170	19	satisfaction	satisfaction	NOUN
bjmsr-2210	170	20	.	.	PUNCT
bjmsr-2210	171	1	table	table	NOUN
bjmsr-2210	171	2	2	2	NUM
bjmsr-2210	171	3	.	.	X
bjmsr-2210	172	1	influence	influence	NOUN
bjmsr-2210	172	2	of	of	ADP
bjmsr-2210	172	3	demographic	demographic	ADJ
bjmsr-2210	172	4	profile	profile	NOUN
bjmsr-2210	172	5	(	(	PUNCT
bjmsr-2210	172	6	age	age	NOUN
bjmsr-2210	172	7	,	,	PUNCT
bjmsr-2210	172	8	educational	educational	ADJ
bjmsr-2210	172	9	qualification	qualification	NOUN
bjmsr-2210	172	10	,	,	PUNCT
bjmsr-2210	172	11	designation	designation	NOUN
bjmsr-2210	172	12	and	and	CCONJ
bjmsr-2210	172	13	bank	bank	NOUN
bjmsr-2210	172	14	category	category	NOUN
bjmsr-2210	172	15	)	)	PUNCT
bjmsr-2210	172	16	of	of	ADP
bjmsr-2210	172	17	bankers	banker	NOUN
bjmsr-2210	172	18	on	on	ADP
bjmsr-2210	172	19	reasons	reason	NOUN
bjmsr-2210	172	20	for	for	ADP
bjmsr-2210	172	21	social	social	ADJ
bjmsr-2210	172	22	media	medium	NOUN
bjmsr-2210	172	23	adoption	adoption	NOUN
bjmsr-2210	172	24	variables	variable	VERB
bjmsr-2210	172	25	age	age	NOUN
bjmsr-2210	172	26	educational	educational	ADJ
bjmsr-2210	172	27	qualification	qualification	NOUN
bjmsr-2210	172	28	designation	designation	NOUN
bjmsr-2210	172	29	experience	experience	NOUN
bjmsr-2210	172	30	mean	mean	NOUN
bjmsr-2210	172	31	f	f	PROPN
bjmsr-2210	172	32	value	value	NOUN
bjmsr-2210	173	1	mean	mean	VERB
bjmsr-2210	173	2	f	f	X
bjmsr-2210	173	3	value	value	NOUN
bjmsr-2210	173	4	mean	mean	VERB
bjmsr-2210	173	5	f	f	X
bjmsr-2210	173	6	value	value	NOUN
bjmsr-2210	173	7	mean	mean	VERB
bjmsr-2210	173	8	f	f	PROPN
bjmsr-2210	173	9	value	value	NOUN
bjmsr-2210	173	10	customer	customer	NOUN
bjmsr-2210	173	11	relationship	relationship	NOUN
bjmsr-2210	173	12	3.68	3.68	NUM
bjmsr-2210	173	13	(	(	PUNCT
bjmsr-2210	173	14	below	below	ADP
bjmsr-2210	173	15	25	25	NUM
bjmsr-2210	173	16	)	)	PUNCT
bjmsr-2210	173	17	25.19	25.19	NUM
bjmsr-2210	173	18	*	*	PUNCT
bjmsr-2210	173	19	*	*	PUNCT
bjmsr-2210	173	20	*	*	PUNCT
bjmsr-2210	173	21	2.62	2.62	NUM
bjmsr-2210	173	22	(	(	PUNCT
bjmsr-2210	173	23	graduation	graduation	NOUN
bjmsr-2210	173	24	)	)	PUNCT
bjmsr-2210	173	25	17.45	17.45	NUM
bjmsr-2210	173	26	*	*	PUNCT
bjmsr-2210	173	27	*	*	PUNCT
bjmsr-2210	173	28	*	*	PUNCT
bjmsr-2210	173	29	3.16	3.16	NUM
bjmsr-2210	173	30	(	(	PUNCT
bjmsr-2210	173	31	clerk	clerk	NOUN
bjmsr-2210	173	32	)	)	PUNCT
bjmsr-2210	173	33	8.74	8.74	NUM
bjmsr-2210	173	34	*	*	PUNCT
bjmsr-2210	173	35	*	*	PUNCT
bjmsr-2210	173	36	*	*	PUNCT
bjmsr-2210	173	37	3.74	3.74	NUM
bjmsr-2210	173	38	(	(	PUNCT
bjmsr-2210	173	39	>	>	SYM
bjmsr-2210	173	40	5	5	NUM
bjmsr-2210	173	41	yr	yr	NOUN
bjmsr-2210	173	42	)	)	PUNCT
bjmsr-2210	173	43	29.84	29.84	NUM
bjmsr-2210	173	44	*	*	PUNCT
bjmsr-2210	173	45	*	*	PUNCT
bjmsr-2210	173	46	*	*	PUNCT
bjmsr-2210	173	47	3.55	3.55	NUM
bjmsr-2210	173	48	(	(	PUNCT
bjmsr-2210	173	49	25	25	NUM
bjmsr-2210	173	50	to	to	PART
bjmsr-2210	173	51	35	35	NUM
bjmsr-2210	173	52	)	)	PUNCT
bjmsr-2210	173	53	2.36	2.36	NUM
bjmsr-2210	173	54	(	(	PUNCT
bjmsr-2210	173	55	36	36	NUM
bjmsr-2210	173	56	to	to	PART
bjmsr-2210	173	57	45	45	NUM
bjmsr-2210	173	58	)	)	PUNCT
bjmsr-2210	173	59	3.45	3.45	NUM
bjmsr-2210	173	60	(	(	PUNCT
bjmsr-2210	173	61	p.g	p.g	PROPN
bjmsr-2210	173	62	)	)	PUNCT
bjmsr-2210	173	63	3.54	3.54	NUM
bjmsr-2210	173	64	(	(	PUNCT
bjmsr-2210	173	65	officer	officer	NOUN
bjmsr-2210	173	66	)	)	PUNCT
bjmsr-2210	173	67	3.12	3.12	NUM
bjmsr-2210	173	68	(	(	PUNCT
bjmsr-2210	173	69	6	6	NUM
bjmsr-2210	173	70	to	to	PART
bjmsr-2210	173	71	10	10	NUM
bjmsr-2210	173	72	yr	yr	NOUN
bjmsr-2210	173	73	)	)	PUNCT
bjmsr-2210	173	74	2.00	2.00	NUM
bjmsr-2210	173	75	(	(	PUNCT
bjmsr-2210	173	76	46	46	NUM
bjmsr-2210	173	77	to	to	PART
bjmsr-2210	173	78	55	55	NUM
bjmsr-2210	173	79	)	)	PUNCT
bjmsr-2210	173	80	2.43	2.43	NUM
bjmsr-2210	173	81	(	(	PUNCT
bjmsr-2210	173	82	11	11	NUM
bjmsr-2210	173	83	to	to	PART
bjmsr-2210	173	84	15	15	NUM
bjmsr-2210	173	85	yr	yr	NOUN
bjmsr-2210	173	86	)	)	PUNCT
bjmsr-2210	173	87	1.50	1.50	NUM
bjmsr-2210	173	88	(	(	PUNCT
bjmsr-2210	173	89	above	above	ADP
bjmsr-2210	173	90	55	55	NUM
bjmsr-2210	173	91	)	)	PUNCT
bjmsr-2210	173	92	2.75	2.75	NUM
bjmsr-2210	173	93	(	(	PUNCT
bjmsr-2210	173	94	others	other	NOUN
bjmsr-2210	173	95	)	)	PUNCT
bjmsr-2210	173	96	2.96	2.96	NUM
bjmsr-2210	173	97	(	(	PUNCT
bjmsr-2210	173	98	manager	manager	NOUN
bjmsr-2210	173	99	)	)	PUNCT
bjmsr-2210	173	100	2.29	2.29	NUM
bjmsr-2210	173	101	(	(	PUNCT
bjmsr-2210	173	102	<	<	X
bjmsr-2210	173	103	15	15	NUM
bjmsr-2210	173	104	yr	yr	NOUN
bjmsr-2210	173	105	)	)	PUNCT
bjmsr-2210	173	106	brand	brand	NOUN
bjmsr-2210	173	107	strengthening	strengthen	VERB
bjmsr-2210	173	108	3.47	3.47	NUM
bjmsr-2210	173	109	(	(	PUNCT
bjmsr-2210	173	110	below	below	ADP
bjmsr-2210	173	111	25	25	NUM
bjmsr-2210	173	112	)	)	PUNCT
bjmsr-2210	173	113	13.44	13.44	NUM
bjmsr-2210	173	114	*	*	PUNCT
bjmsr-2210	173	115	*	*	PUNCT
bjmsr-2210	173	116	*	*	PUNCT
bjmsr-2210	173	117	3.16	3.16	NUM
bjmsr-2210	173	118	(	(	PUNCT
bjmsr-2210	173	119	graduation	graduation	NOUN
bjmsr-2210	173	120	)	)	PUNCT
bjmsr-2210	173	121	5.39	5.39	NUM
bjmsr-2210	173	122	*	*	PUNCT
bjmsr-2210	173	123	*	*	PUNCT
bjmsr-2210	173	124	*	*	PUNCT
bjmsr-2210	173	125	3.48	3.48	NUM
bjmsr-2210	173	126	(	(	PUNCT
bjmsr-2210	173	127	clerk	clerk	NOUN
bjmsr-2210	173	128	)	)	PUNCT
bjmsr-2210	173	129	6.91	6.91	NUM
bjmsr-2210	173	130	*	*	PUNCT
bjmsr-2210	173	131	*	*	PUNCT
bjmsr-2210	173	132	*	*	PUNCT
bjmsr-2210	173	133	3.43	3.43	NUM
bjmsr-2210	173	134	(	(	PUNCT
bjmsr-2210	173	135	>	>	SYM
bjmsr-2210	173	136	5	5	NUM
bjmsr-2210	173	137	yr	yr	NOUN
bjmsr-2210	173	138	)	)	PUNCT
bjmsr-2210	173	139	16.74	16.74	NUM
bjmsr-2210	173	140	*	*	NOUN
bjmsr-2210	173	141	*	*	PUNCT
bjmsr-2210	173	142	*	*	X
bjmsr-2210	173	143	3.54	3.54	NUM
bjmsr-2210	173	144	(	(	PUNCT
bjmsr-2210	173	145	25	25	NUM
bjmsr-2210	173	146	to	to	PART
bjmsr-2210	173	147	35	35	NUM
bjmsr-2210	173	148	)	)	PUNCT
bjmsr-2210	173	149	3.11	3.11	NUM
bjmsr-2210	173	150	3.45	3.45	NUM
bjmsr-2210	173	151	(	(	PUNCT
bjmsr-2210	173	152	p.g	p.g	PROPN
bjmsr-2210	173	153	)	)	PUNCT
bjmsr-2210	173	154	3.65	3.65	NUM
bjmsr-2210	173	155	ramasamy	ramasamy	NOUN
bjmsr-2210	173	156	et	et	PROPN
bjmsr-2210	173	157	al	al	PROPN
bjmsr-2210	173	158	.	.	PROPN
bjmsr-2210	173	159	,	,	PUNCT
bjmsr-2210	173	160	bangladesh	bangladesh	PROPN
bjmsr-2210	173	161	journal	journal	NOUN
bjmsr-2210	173	162	of	of	ADP
bjmsr-2210	173	163	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	173	164	scientific	scientific	ADJ
bjmsr-2210	173	165	research	research	NOUN
bjmsr-2210	173	166	9(2	9(2	NUM
bjmsr-2210	173	167	)	)	PUNCT
bjmsr-2210	173	168	(	(	PUNCT
bjmsr-2210	173	169	2024	2024	NUM
bjmsr-2210	173	170	)	)	PUNCT
bjmsr-2210	173	171	,	,	PUNCT
bjmsr-2210	173	172	1	1	NUM
bjmsr-2210	173	173	-	-	SYM
bjmsr-2210	173	174	9	9	NUM
bjmsr-2210	173	175	6	6	NUM
bjmsr-2210	173	176	(	(	PUNCT
bjmsr-2210	173	177	36	36	NUM
bjmsr-2210	173	178	to	to	PART
bjmsr-2210	173	179	45	45	NUM
bjmsr-2210	173	180	)	)	PUNCT
bjmsr-2210	173	181	3.53	3.53	NUM
bjmsr-2210	173	182	(	(	PUNCT
bjmsr-2210	173	183	officer	officer	NOUN
bjmsr-2210	173	184	)	)	PUNCT
bjmsr-2210	173	185	(	(	PUNCT
bjmsr-2210	173	186	6	6	NUM
bjmsr-2210	173	187	to	to	PART
bjmsr-2210	173	188	10	10	NUM
bjmsr-2210	173	189	yr	yr	NOUN
bjmsr-2210	173	190	)	)	PUNCT
bjmsr-2210	173	191	2.50	2.50	NUM
bjmsr-2210	173	192	(	(	PUNCT
bjmsr-2210	173	193	46	46	NUM
bjmsr-2210	173	194	to	to	PART
bjmsr-2210	173	195	55	55	NUM
bjmsr-2210	173	196	)	)	PUNCT
bjmsr-2210	173	197	2.96	2.96	NUM
bjmsr-2210	173	198	(	(	PUNCT
bjmsr-2210	173	199	11	11	NUM
bjmsr-2210	173	200	to	to	PART
bjmsr-2210	173	201	15	15	NUM
bjmsr-2210	173	202	yr	yr	NOUN
bjmsr-2210	173	203	)	)	PUNCT
bjmsr-2210	173	204	2.50	2.50	NUM
bjmsr-2210	173	205	(	(	PUNCT
bjmsr-2210	173	206	above	above	ADP
bjmsr-2210	173	207	55	55	NUM
bjmsr-2210	173	208	)	)	PUNCT
bjmsr-2210	173	209	3.40	3.40	NUM
bjmsr-2210	173	210	(	(	PUNCT
bjmsr-2210	173	211	others	other	NOUN
bjmsr-2210	173	212	)	)	PUNCT
bjmsr-2210	173	213	3.24	3.24	NUM
bjmsr-2210	173	214	(	(	PUNCT
bjmsr-2210	173	215	manager	manager	NOUN
bjmsr-2210	173	216	)	)	PUNCT
bjmsr-2210	173	217	2.96	2.96	NUM
bjmsr-2210	173	218	(	(	PUNCT
bjmsr-2210	173	219	<	<	X
bjmsr-2210	173	220	15	15	NUM
bjmsr-2210	173	221	yr	yr	NOUN
bjmsr-2210	173	222	)	)	PUNCT
bjmsr-2210	173	223	reduce	reduce	VERB
bjmsr-2210	173	224	advertisement	advertisement	NOUN
bjmsr-2210	173	225	expenses	expense	VERB
bjmsr-2210	173	226	3.21	3.21	NUM
bjmsr-2210	173	227	(	(	PUNCT
bjmsr-2210	173	228	below	below	ADP
bjmsr-2210	173	229	25	25	NUM
bjmsr-2210	173	230	)	)	PUNCT
bjmsr-2210	173	231	26.99	26.99	NUM
bjmsr-2210	173	232	*	*	PUNCT
bjmsr-2210	173	233	*	*	PUNCT
bjmsr-2210	173	234	*	*	PUNCT
bjmsr-2210	173	235	2.88	2.88	NUM
bjmsr-2210	173	236	(	(	PUNCT
bjmsr-2210	173	237	graduation	graduation	NOUN
bjmsr-2210	173	238	)	)	PUNCT
bjmsr-2210	173	239	6.54	6.54	NUM
bjmsr-2210	173	240	*	*	PUNCT
bjmsr-2210	173	241	*	*	PUNCT
bjmsr-2210	173	242	*	*	PUNCT
bjmsr-2210	173	243	3.52	3.52	NUM
bjmsr-2210	173	244	(	(	PUNCT
bjmsr-2210	173	245	clerk	clerk	NOUN
bjmsr-2210	173	246	)	)	PUNCT
bjmsr-2210	173	247	4.55	4.55	NUM
bjmsr-2210	173	248	*	*	PUNCT
bjmsr-2210	173	249	*	*	PUNCT
bjmsr-2210	173	250	*	*	PUNCT
bjmsr-2210	173	251	3.39	3.39	NUM
bjmsr-2210	173	252	(	(	PUNCT
bjmsr-2210	173	253	>	>	SYM
bjmsr-2210	173	254	5	5	NUM
bjmsr-2210	173	255	yr	yr	NOUN
bjmsr-2210	173	256	)	)	PUNCT
bjmsr-2210	173	257	18.22	18.22	NUM
bjmsr-2210	173	258	*	*	PUNCT
bjmsr-2210	173	259	*	*	PUNCT
bjmsr-2210	173	260	*	*	X
bjmsr-2210	173	261	3.42	3.42	NUM
bjmsr-2210	173	262	(	(	PUNCT
bjmsr-2210	173	263	25	25	NUM
bjmsr-2210	173	264	to	to	PART
bjmsr-2210	173	265	35	35	NUM
bjmsr-2210	173	266	)	)	PUNCT
bjmsr-2210	173	267	2.89	2.89	NUM
bjmsr-2210	173	268	(	(	PUNCT
bjmsr-2210	173	269	36	36	NUM
bjmsr-2210	173	270	to	to	PART
bjmsr-2210	173	271	45	45	NUM
bjmsr-2210	173	272	)	)	PUNCT
bjmsr-2210	173	273	3.26	3.26	NUM
bjmsr-2210	173	274	(	(	PUNCT
bjmsr-2210	173	275	p.g	p.g	PROPN
bjmsr-2210	173	276	)	)	PUNCT
bjmsr-2210	173	277	3.21	3.21	NUM
bjmsr-2210	173	278	(	(	PUNCT
bjmsr-2210	173	279	officer	officer	NOUN
bjmsr-2210	173	280	)	)	PUNCT
bjmsr-2210	173	281	3.32	3.32	NUM
bjmsr-2210	173	282	(	(	PUNCT
bjmsr-2210	173	283	6	6	NUM
bjmsr-2210	173	284	to	to	PART
bjmsr-2210	173	285	10	10	NUM
bjmsr-2210	173	286	yr	yr	NOUN
bjmsr-2210	173	287	)	)	PUNCT
bjmsr-2210	173	288	1.38	1.38	NUM
bjmsr-2210	173	289	(	(	PUNCT
bjmsr-2210	173	290	46	46	NUM
bjmsr-2210	173	291	to	to	PART
bjmsr-2210	173	292	55	55	NUM
bjmsr-2210	173	293	)	)	PUNCT
bjmsr-2210	173	294	2.91	2.91	NUM
bjmsr-2210	173	295	(	(	PUNCT
bjmsr-2210	173	296	11	11	NUM
bjmsr-2210	173	297	to	to	PART
bjmsr-2210	173	298	15	15	NUM
bjmsr-2210	173	299	yr	yr	NOUN
bjmsr-2210	173	300	)	)	PUNCT
bjmsr-2210	173	301	1.50	1.50	NUM
bjmsr-2210	173	302	(	(	PUNCT
bjmsr-2210	173	303	above	above	ADP
bjmsr-2210	173	304	55	55	NUM
bjmsr-2210	173	305	)	)	PUNCT
bjmsr-2210	173	306	3.50	3.50	NUM
bjmsr-2210	173	307	(	(	PUNCT
bjmsr-2210	173	308	others	other	NOUN
bjmsr-2210	173	309	)	)	PUNCT
bjmsr-2210	173	310	3.06	3.06	NUM
bjmsr-2210	173	311	(	(	PUNCT
bjmsr-2210	173	312	manager	manager	NOUN
bjmsr-2210	173	313	)	)	PUNCT
bjmsr-2210	173	314	2.39	2.39	NUM
bjmsr-2210	173	315	(	(	PUNCT
bjmsr-2210	173	316	<	<	X
bjmsr-2210	173	317	15	15	NUM
bjmsr-2210	173	318	yr	yr	NOUN
bjmsr-2210	173	319	)	)	PUNCT
bjmsr-2210	173	320	*	*	PUNCT
bjmsr-2210	174	1	*	*	PUNCT
bjmsr-2210	174	2	*	*	PUNCT
bjmsr-2210	174	3	*	*	PUNCT
bjmsr-2210	174	4	*	*	PUNCT
bjmsr-2210	174	5	sig	sig	NOUN
bjmsr-2210	174	6	at	at	ADP
bjmsr-2210	174	7	5	5	NUM
bjmsr-2210	174	8	%	%	NOUN
bjmsr-2210	174	9	and	and	CCONJ
bjmsr-2210	174	10	1	1	NUM
bjmsr-2210	174	11	%	%	NOUN
bjmsr-2210	174	12	respectively	respectively	ADV
bjmsr-2210	174	13	source	source	NOUN
bjmsr-2210	174	14	:	:	PUNCT
bjmsr-2210	174	15	author	author	NOUN
bjmsr-2210	174	16	’s	’s	PART
bjmsr-2210	174	17	own	own	ADJ
bjmsr-2210	174	18	estimation	estimation	NOUN
bjmsr-2210	174	19	table	table	NOUN
bjmsr-2210	174	20	2	2	NUM
bjmsr-2210	174	21	shows	show	VERB
bjmsr-2210	174	22	that	that	SCONJ
bjmsr-2210	174	23	the	the	DET
bjmsr-2210	174	24	anova	anova	PROPN
bjmsr-2210	174	25	test	test	NOUN
bjmsr-2210	174	26	was	be	AUX
bjmsr-2210	174	27	carried	carry	VERB
bjmsr-2210	174	28	out	out	ADP
bjmsr-2210	174	29	for	for	ADP
bjmsr-2210	174	30	demographic	demographic	ADJ
bjmsr-2210	174	31	variables	variable	NOUN
bjmsr-2210	174	32	with	with	ADP
bjmsr-2210	174	33	more	more	ADJ
bjmsr-2210	174	34	than	than	ADP
bjmsr-2210	174	35	two	two	NUM
bjmsr-2210	174	36	attributes	attribute	NOUN
bjmsr-2210	174	37	in	in	ADP
bjmsr-2210	174	38	relation	relation	NOUN
bjmsr-2210	174	39	to	to	ADP
bjmsr-2210	174	40	constructs	construct	NOUN
bjmsr-2210	174	41	of	of	ADP
bjmsr-2210	174	42	social	social	ADJ
bjmsr-2210	174	43	media	medium	NOUN
bjmsr-2210	174	44	adoption	adoption	NOUN
bjmsr-2210	174	45	.	.	PUNCT
bjmsr-2210	175	1	the	the	DET
bjmsr-2210	175	2	test	test	NOUN
bjmsr-2210	175	3	result	result	NOUN
bjmsr-2210	175	4	reveals	reveal	VERB
bjmsr-2210	175	5	that	that	SCONJ
bjmsr-2210	175	6	age	age	NOUN
bjmsr-2210	175	7	influences	influence	VERB
bjmsr-2210	175	8	all	all	DET
bjmsr-2210	175	9	three	three	NUM
bjmsr-2210	175	10	constructs	construct	NOUN
bjmsr-2210	175	11	of	of	ADP
bjmsr-2210	175	12	social	social	ADJ
bjmsr-2210	175	13	media	medium	NOUN
bjmsr-2210	175	14	adoption	adoption	NOUN
bjmsr-2210	175	15	.	.	PUNCT
bjmsr-2210	176	1	so	so	ADV
bjmsr-2210	176	2	,	,	PUNCT
bjmsr-2210	176	3	the	the	DET
bjmsr-2210	176	4	null	null	ADJ
bjmsr-2210	176	5	hypothesis	hypothesis	NOUN
bjmsr-2210	176	6	(	(	PUNCT
bjmsr-2210	176	7	h2	h2	NOUN
bjmsr-2210	176	8	)	)	PUNCT
bjmsr-2210	176	9	was	be	AUX
bjmsr-2210	176	10	rejected	reject	VERB
bjmsr-2210	176	11	for	for	ADP
bjmsr-2210	176	12	age	age	NOUN
bjmsr-2210	176	13	with	with	ADP
bjmsr-2210	176	14	three	three	NUM
bjmsr-2210	176	15	select	select	ADJ
bjmsr-2210	176	16	constructs	construct	NOUN
bjmsr-2210	176	17	of	of	ADP
bjmsr-2210	176	18	social	social	ADJ
bjmsr-2210	176	19	media	medium	NOUN
bjmsr-2210	176	20	adoption	adoption	NOUN
bjmsr-2210	176	21	.	.	PUNCT
bjmsr-2210	177	1	the	the	DET
bjmsr-2210	177	2	mean	mean	ADJ
bjmsr-2210	177	3	scores	score	NOUN
bjmsr-2210	177	4	of	of	ADP
bjmsr-2210	177	5	the	the	DET
bjmsr-2210	177	6	younger	young	ADJ
bjmsr-2210	177	7	age	age	NOUN
bjmsr-2210	177	8	categories	category	NOUN
bjmsr-2210	177	9	,	,	PUNCT
bjmsr-2210	177	10	such	such	ADJ
bjmsr-2210	177	11	as	as	ADP
bjmsr-2210	177	12	those	those	PRON
bjmsr-2210	177	13	below	below	ADP
bjmsr-2210	177	14	25	25	NUM
bjmsr-2210	177	15	and	and	CCONJ
bjmsr-2210	177	16	25	25	NUM
bjmsr-2210	177	17	to	to	PART
bjmsr-2210	177	18	35	35	NUM
bjmsr-2210	177	19	,	,	PUNCT
bjmsr-2210	177	20	are	be	AUX
bjmsr-2210	177	21	more	more	ADJ
bjmsr-2210	177	22	than	than	ADP
bjmsr-2210	177	23	the	the	DET
bjmsr-2210	177	24	other	other	ADJ
bjmsr-2210	177	25	three	three	NUM
bjmsr-2210	177	26	age	age	NOUN
bjmsr-2210	177	27	categories	category	NOUN
bjmsr-2210	177	28	.	.	PUNCT
bjmsr-2210	178	1	then	then	ADV
bjmsr-2210	178	2	,	,	PUNCT
bjmsr-2210	178	3	bankers	banker	NOUN
bjmsr-2210	178	4	with	with	ADP
bjmsr-2210	178	5	educational	educational	ADJ
bjmsr-2210	178	6	qualifications	qualification	NOUN
bjmsr-2210	178	7	other	other	ADJ
bjmsr-2210	178	8	than	than	ADP
bjmsr-2210	178	9	graduation	graduation	NOUN
bjmsr-2210	178	10	,	,	PUNCT
bjmsr-2210	178	11	such	such	ADJ
bjmsr-2210	178	12	as	as	ADP
bjmsr-2210	178	13	both	both	DET
bjmsr-2210	178	14	p.g	p.g	PROPN
bjmsr-2210	178	15	.	.	PROPN
bjmsr-2210	178	16	and	and	CCONJ
bjmsr-2210	178	17	others	other	NOUN
bjmsr-2210	178	18	(	(	PUNCT
bjmsr-2210	178	19	professional	professional	ADJ
bjmsr-2210	178	20	courses	course	NOUN
bjmsr-2210	178	21	like	like	ADP
bjmsr-2210	178	22	ca	ca	NOUN
bjmsr-2210	178	23	,	,	PUNCT
bjmsr-2210	178	24	icwa	icwa	NOUN
bjmsr-2210	178	25	,	,	PUNCT
bjmsr-2210	178	26	and	and	CCONJ
bjmsr-2210	178	27	cs	cs	PROPN
bjmsr-2210	178	28	)	)	PUNCT
bjmsr-2210	178	29	,	,	PUNCT
bjmsr-2210	178	30	have	have	VERB
bjmsr-2210	178	31	higher	high	ADJ
bjmsr-2210	178	32	mean	mean	ADJ
bjmsr-2210	178	33	scores	score	NOUN
bjmsr-2210	178	34	,	,	PUNCT
bjmsr-2210	178	35	indicating	indicate	VERB
bjmsr-2210	178	36	that	that	SCONJ
bjmsr-2210	178	37	higher	high	ADJ
bjmsr-2210	178	38	educational	educational	ADJ
bjmsr-2210	178	39	qualifications	qualification	NOUN
bjmsr-2210	178	40	influence	influence	VERB
bjmsr-2210	178	41	social	social	ADJ
bjmsr-2210	178	42	media	medium	NOUN
bjmsr-2210	178	43	adoption	adoption	NOUN
bjmsr-2210	178	44	more	more	ADJ
bjmsr-2210	178	45	.	.	PUNCT
bjmsr-2210	179	1	so	so	ADV
bjmsr-2210	179	2	,	,	PUNCT
bjmsr-2210	179	3	the	the	DET
bjmsr-2210	179	4	null	null	ADJ
bjmsr-2210	179	5	hypothesis	hypothesis	NOUN
bjmsr-2210	179	6	(	(	PUNCT
bjmsr-2210	179	7	h2	h2	NOUN
bjmsr-2210	179	8	)	)	PUNCT
bjmsr-2210	179	9	can	can	AUX
bjmsr-2210	179	10	be	be	AUX
bjmsr-2210	179	11	rejected	reject	VERB
bjmsr-2210	179	12	for	for	ADP
bjmsr-2210	179	13	all	all	DET
bjmsr-2210	179	14	three	three	NUM
bjmsr-2210	179	15	constructs	construct	NOUN
bjmsr-2210	179	16	of	of	ADP
bjmsr-2210	179	17	social	social	ADJ
bjmsr-2210	179	18	media	medium	NOUN
bjmsr-2210	179	19	adoption	adoption	NOUN
bjmsr-2210	179	20	with	with	ADP
bjmsr-2210	179	21	the	the	DET
bjmsr-2210	179	22	educational	educational	ADJ
bjmsr-2210	179	23	qualifications	qualification	NOUN
bjmsr-2210	179	24	of	of	ADP
bjmsr-2210	179	25	bankers	banker	NOUN
bjmsr-2210	179	26	.	.	PUNCT
bjmsr-2210	180	1	the	the	DET
bjmsr-2210	180	2	result	result	NOUN
bjmsr-2210	180	3	of	of	ADP
bjmsr-2210	180	4	bankers	banker	NOUN
bjmsr-2210	180	5	'	'	PART
bjmsr-2210	180	6	designation	designation	NOUN
bjmsr-2210	180	7	shows	show	VERB
bjmsr-2210	180	8	that	that	SCONJ
bjmsr-2210	180	9	clerks	clerk	NOUN
bjmsr-2210	180	10	and	and	CCONJ
bjmsr-2210	180	11	officers	officer	NOUN
bjmsr-2210	180	12	have	have	VERB
bjmsr-2210	180	13	more	more	ADV
bjmsr-2210	180	14	mean	mean	ADJ
bjmsr-2210	180	15	value	value	NOUN
bjmsr-2210	180	16	than	than	ADP
bjmsr-2210	180	17	managers	manager	NOUN
bjmsr-2210	180	18	for	for	ADP
bjmsr-2210	180	19	all	all	DET
bjmsr-2210	180	20	the	the	DET
bjmsr-2210	180	21	selected	select	VERB
bjmsr-2210	180	22	social	social	ADJ
bjmsr-2210	180	23	media	medium	NOUN
bjmsr-2210	180	24	adoption	adoption	NOUN
bjmsr-2210	180	25	constructs	construct	VERB
bjmsr-2210	180	26	,	,	PUNCT
bjmsr-2210	180	27	representing	represent	VERB
bjmsr-2210	180	28	that	that	SCONJ
bjmsr-2210	180	29	clerks	clerk	NOUN
bjmsr-2210	180	30	and	and	CCONJ
bjmsr-2210	180	31	officers	officer	NOUN
bjmsr-2210	180	32	feel	feel	VERB
bjmsr-2210	180	33	that	that	SCONJ
bjmsr-2210	180	34	their	their	PRON
bjmsr-2210	180	35	banks	bank	NOUN
bjmsr-2210	180	36	use	use	VERB
bjmsr-2210	180	37	more	more	ADJ
bjmsr-2210	180	38	social	social	ADJ
bjmsr-2210	180	39	mediarelated	mediarelate	VERB
bjmsr-2210	180	40	activities	activity	NOUN
bjmsr-2210	180	41	than	than	ADP
bjmsr-2210	180	42	managers	manager	NOUN
bjmsr-2210	180	43	.	.	PUNCT
bjmsr-2210	181	1	so	so	ADV
bjmsr-2210	181	2	,	,	PUNCT
bjmsr-2210	181	3	the	the	DET
bjmsr-2210	181	4	null	null	ADJ
bjmsr-2210	181	5	hypothesis	hypothesis	NOUN
bjmsr-2210	181	6	is	be	AUX
bjmsr-2210	181	7	rejected	reject	VERB
bjmsr-2210	181	8	for	for	ADP
bjmsr-2210	181	9	designation	designation	NOUN
bjmsr-2210	181	10	with	with	ADP
bjmsr-2210	181	11	usages	usage	NOUN
bjmsr-2210	181	12	of	of	ADP
bjmsr-2210	181	13	social	social	ADJ
bjmsr-2210	181	14	media	medium	NOUN
bjmsr-2210	181	15	adoption	adoption	NOUN
bjmsr-2210	181	16	.	.	PUNCT
bjmsr-2210	182	1	the	the	DET
bjmsr-2210	182	2	experience	experience	NOUN
bjmsr-2210	182	3	of	of	ADP
bjmsr-2210	182	4	bankers	banker	NOUN
bjmsr-2210	182	5	with	with	ADP
bjmsr-2210	182	6	the	the	DET
bjmsr-2210	182	7	constructs	construct	NOUN
bjmsr-2210	182	8	of	of	ADP
bjmsr-2210	182	9	social	social	ADJ
bjmsr-2210	182	10	media	medium	NOUN
bjmsr-2210	182	11	adoption	adoption	NOUN
bjmsr-2210	182	12	has	have	AUX
bjmsr-2210	182	13	resulted	result	VERB
bjmsr-2210	182	14	in	in	ADP
bjmsr-2210	182	15	significant	significant	ADJ
bjmsr-2210	182	16	influence	influence	NOUN
bjmsr-2210	182	17	.	.	PUNCT
bjmsr-2210	183	1	so	so	ADV
bjmsr-2210	183	2	,	,	PUNCT
bjmsr-2210	183	3	the	the	DET
bjmsr-2210	183	4	null	null	ADJ
bjmsr-2210	183	5	hypothesis	hypothesis	NOUN
bjmsr-2210	183	6	(	(	PUNCT
bjmsr-2210	183	7	h2	h2	NOUN
bjmsr-2210	183	8	)	)	PUNCT
bjmsr-2210	183	9	can	can	AUX
bjmsr-2210	183	10	not	not	PART
bjmsr-2210	183	11	be	be	AUX
bjmsr-2210	183	12	accepted	accept	VERB
bjmsr-2210	183	13	.	.	PUNCT
bjmsr-2210	184	1	the	the	DET
bjmsr-2210	184	2	more	more	ADV
bjmsr-2210	184	3	experienced	experienced	ADJ
bjmsr-2210	184	4	bankers	banker	NOUN
bjmsr-2210	184	5	have	have	VERB
bjmsr-2210	184	6	lower	low	ADJ
bjmsr-2210	184	7	mean	mean	ADJ
bjmsr-2210	184	8	scores	score	NOUN
bjmsr-2210	184	9	,	,	PUNCT
bjmsr-2210	184	10	which	which	PRON
bjmsr-2210	184	11	reveals	reveal	VERB
bjmsr-2210	184	12	that	that	SCONJ
bjmsr-2210	184	13	,	,	PUNCT
bjmsr-2210	184	14	compared	compare	VERB
bjmsr-2210	184	15	to	to	ADP
bjmsr-2210	184	16	bankers	banker	NOUN
bjmsr-2210	184	17	with	with	ADP
bjmsr-2210	184	18	more	more	ADJ
bjmsr-2210	184	19	experience	experience	NOUN
bjmsr-2210	184	20	,	,	PUNCT
bjmsr-2210	184	21	lower	lower	ADV
bjmsr-2210	184	22	experienced	experienced	ADJ
bjmsr-2210	184	23	bankers	banker	NOUN
bjmsr-2210	184	24	feel	feel	VERB
bjmsr-2210	184	25	that	that	SCONJ
bjmsr-2210	184	26	their	their	PRON
bjmsr-2210	184	27	banks	bank	NOUN
bjmsr-2210	184	28	are	be	AUX
bjmsr-2210	184	29	using	use	VERB
bjmsr-2210	184	30	social	social	ADJ
bjmsr-2210	184	31	media	medium	NOUN
bjmsr-2210	184	32	for	for	ADP
bjmsr-2210	184	33	various	various	ADJ
bjmsr-2210	184	34	experiences	experience	NOUN
bjmsr-2210	184	35	.	.	PUNCT
bjmsr-2210	185	1	benefits	benefit	NOUN
bjmsr-2210	185	2	and	and	CCONJ
bjmsr-2210	185	3	challenges	challenge	NOUN
bjmsr-2210	185	4	of	of	ADP
bjmsr-2210	185	5	social	social	ADJ
bjmsr-2210	185	6	media	medium	NOUN
bjmsr-2210	185	7	banking	banking	NOUN
bjmsr-2210	185	8	(	(	PUNCT
bjmsr-2210	185	9	smb	smb	PROPN
bjmsr-2210	185	10	)	)	PUNCT
bjmsr-2210	185	11	here	here	ADV
bjmsr-2210	185	12	,	,	PUNCT
bjmsr-2210	185	13	all	all	DET
bjmsr-2210	185	14	the	the	DET
bjmsr-2210	185	15	benefits	benefit	NOUN
bjmsr-2210	185	16	and	and	CCONJ
bjmsr-2210	185	17	challenges	challenge	NOUN
bjmsr-2210	185	18	of	of	ADP
bjmsr-2210	185	19	smb	smb	NOUN
bjmsr-2210	185	20	have	have	AUX
bjmsr-2210	185	21	been	be	AUX
bjmsr-2210	185	22	consolidated	consolidate	VERB
bjmsr-2210	185	23	and	and	CCONJ
bjmsr-2210	185	24	further	far	ADV
bjmsr-2210	185	25	analyzed	analyze	VERB
bjmsr-2210	185	26	,	,	PUNCT
bjmsr-2210	185	27	including	include	VERB
bjmsr-2210	185	28	the	the	DET
bjmsr-2210	185	29	benefits	benefit	NOUN
bjmsr-2210	185	30	and	and	CCONJ
bjmsr-2210	185	31	challenges	challenge	NOUN
bjmsr-2210	185	32	of	of	ADP
bjmsr-2210	185	33	smb	smb	NOUN
bjmsr-2210	185	34	among	among	ADP
bjmsr-2210	185	35	public	public	ADJ
bjmsr-2210	185	36	and	and	CCONJ
bjmsr-2210	185	37	private	private	ADJ
bjmsr-2210	185	38	sector	sector	NOUN
bjmsr-2210	185	39	bankers	banker	NOUN
bjmsr-2210	185	40	.	.	PUNCT
bjmsr-2210	186	1	table	table	NOUN
bjmsr-2210	186	2	3	3	NUM
bjmsr-2210	186	3	calculates	calculate	VERB
bjmsr-2210	186	4	the	the	DET
bjmsr-2210	186	5	benefits	benefit	NOUN
bjmsr-2210	186	6	based	base	VERB
bjmsr-2210	186	7	on	on	ADP
bjmsr-2210	186	8	the	the	DET
bjmsr-2210	186	9	cutoff	cutoff	NOUN
bjmsr-2210	186	10	mean	mean	NOUN
bjmsr-2210	186	11	value	value	NOUN
bjmsr-2210	186	12	of	of	ADP
bjmsr-2210	186	13	33	33	NUM
bjmsr-2210	186	14	(	(	PUNCT
bjmsr-2210	186	15	since	since	SCONJ
bjmsr-2210	186	16	the	the	DET
bjmsr-2210	186	17	benefit	benefit	NOUN
bjmsr-2210	186	18	has	have	VERB
bjmsr-2210	186	19	11	11	NUM
bjmsr-2210	186	20	elements	element	NOUN
bjmsr-2210	186	21	)	)	PUNCT
bjmsr-2210	186	22	for	for	ADP
bjmsr-2210	186	23	each	each	DET
bjmsr-2210	186	24	respondent	respondent	NOUN
bjmsr-2210	186	25	.	.	PUNCT
bjmsr-2210	187	1	the	the	DET
bjmsr-2210	187	2	less	less	ADJ
bjmsr-2210	187	3	benefit	benefit	NOUN
bjmsr-2210	187	4	has	have	VERB
bjmsr-2210	187	5	a	a	DET
bjmsr-2210	187	6	mean	mean	ADJ
bjmsr-2210	187	7	value	value	NOUN
bjmsr-2210	187	8	of	of	ADP
bjmsr-2210	187	9	less	less	ADJ
bjmsr-2210	187	10	than	than	ADP
bjmsr-2210	187	11	33	33	NUM
bjmsr-2210	187	12	,	,	PUNCT
bjmsr-2210	187	13	whereas	whereas	SCONJ
bjmsr-2210	187	14	the	the	DET
bjmsr-2210	187	15	more	more	ADJ
bjmsr-2210	187	16	benefit	benefit	NOUN
bjmsr-2210	187	17	has	have	VERB
bjmsr-2210	187	18	a	a	DET
bjmsr-2210	187	19	mean	mean	ADJ
bjmsr-2210	187	20	value	value	NOUN
bjmsr-2210	187	21	of	of	ADP
bjmsr-2210	187	22	greater	great	ADJ
bjmsr-2210	187	23	than	than	ADP
bjmsr-2210	187	24	or	or	CCONJ
bjmsr-2210	187	25	equal	equal	ADJ
bjmsr-2210	187	26	to	to	ADP
bjmsr-2210	187	27	33	33	NUM
bjmsr-2210	187	28	.	.	PUNCT
bjmsr-2210	188	1	so	so	ADV
bjmsr-2210	188	2	,	,	PUNCT
bjmsr-2210	188	3	the	the	DET
bjmsr-2210	188	4	results	result	NOUN
bjmsr-2210	188	5	in	in	ADP
bjmsr-2210	188	6	table	table	NOUN
bjmsr-2210	188	7	3	3	NUM
bjmsr-2210	188	8	explain	explain	VERB
bjmsr-2210	188	9	that	that	SCONJ
bjmsr-2210	188	10	91	91	NUM
bjmsr-2210	188	11	and	and	CCONJ
bjmsr-2210	188	12	92	92	NUM
bjmsr-2210	188	13	percent	percent	NOUN
bjmsr-2210	188	14	of	of	ADP
bjmsr-2210	188	15	bankers	banker	NOUN
bjmsr-2210	188	16	from	from	ADP
bjmsr-2210	188	17	public	public	ADJ
bjmsr-2210	188	18	and	and	CCONJ
bjmsr-2210	188	19	private	private	ADJ
bjmsr-2210	188	20	sector	sector	NOUN
bjmsr-2210	188	21	banks	bank	NOUN
bjmsr-2210	188	22	,	,	PUNCT
bjmsr-2210	188	23	respectively	respectively	ADV
bjmsr-2210	188	24	,	,	PUNCT
bjmsr-2210	188	25	get	get	VERB
bjmsr-2210	188	26	more	more	ADJ
bjmsr-2210	188	27	benefits	benefit	NOUN
bjmsr-2210	188	28	through	through	ADP
bjmsr-2210	188	29	social	social	ADJ
bjmsr-2210	188	30	media	medium	NOUN
bjmsr-2210	188	31	banking	banking	NOUN
bjmsr-2210	188	32	services	service	NOUN
bjmsr-2210	188	33	.	.	PUNCT
bjmsr-2210	189	1	thus	thus	ADV
bjmsr-2210	189	2	,	,	PUNCT
bjmsr-2210	189	3	irrespective	irrespective	ADV
bjmsr-2210	189	4	of	of	ADP
bjmsr-2210	189	5	banks	bank	NOUN
bjmsr-2210	189	6	,	,	PUNCT
bjmsr-2210	189	7	all	all	PRON
bjmsr-2210	189	8	are	be	AUX
bjmsr-2210	189	9	getting	get	VERB
bjmsr-2210	189	10	more	more	ADJ
bjmsr-2210	189	11	benefits	benefit	NOUN
bjmsr-2210	189	12	from	from	ADP
bjmsr-2210	189	13	smb	smb	PROPN
bjmsr-2210	189	14	services	service	NOUN
bjmsr-2210	189	15	.	.	PUNCT
bjmsr-2210	190	1	table	table	NOUN
bjmsr-2210	190	2	3	3	NUM
bjmsr-2210	190	3	.	.	PUNCT
bjmsr-2210	191	1	benefits	benefit	NOUN
bjmsr-2210	191	2	of	of	ADP
bjmsr-2210	191	3	social	social	ADJ
bjmsr-2210	191	4	media	medium	NOUN
bjmsr-2210	191	5	banking	banking	NOUN
bjmsr-2210	191	6	public	public	ADJ
bjmsr-2210	191	7	sector	sector	NOUN
bjmsr-2210	191	8	banks	bank	NOUN
bjmsr-2210	191	9	private	private	ADJ
bjmsr-2210	191	10	sector	sector	NOUN
bjmsr-2210	191	11	banks	bank	NOUN
bjmsr-2210	191	12	frequency	frequency	VERB
bjmsr-2210	191	13	percentage	percentage	NOUN
bjmsr-2210	191	14	frequency	frequency	NOUN
bjmsr-2210	191	15	percentage	percentage	NOUN
bjmsr-2210	191	16	less	less	ADJ
bjmsr-2210	191	17	benefit	benefit	NOUN
bjmsr-2210	191	18	18	18	NUM
bjmsr-2210	191	19	8.9	8.9	NUM
bjmsr-2210	191	20	16	16	NUM
bjmsr-2210	191	21	8	8	NUM
bjmsr-2210	191	22	more	more	ADJ
bjmsr-2210	191	23	benefit	benefit	NOUN
bjmsr-2210	191	24	184	184	NUM
bjmsr-2210	191	25	91.1	91.1	NUM
bjmsr-2210	191	26	184	184	NUM
bjmsr-2210	191	27	92	92	NUM
bjmsr-2210	191	28	total	total	NOUN
bjmsr-2210	191	29	202	202	NUM
bjmsr-2210	191	30	100	100	NUM
bjmsr-2210	191	31	200	200	NUM
bjmsr-2210	191	32	100	100	NUM
bjmsr-2210	191	33	source	source	NOUN
bjmsr-2210	191	34	:	:	PUNCT
bjmsr-2210	191	35	author	author	NOUN
bjmsr-2210	191	36	’s	’s	PART
bjmsr-2210	191	37	own	own	ADJ
bjmsr-2210	191	38	estimation	estimation	NOUN
bjmsr-2210	191	39	concerning	concern	VERB
bjmsr-2210	191	40	the	the	DET
bjmsr-2210	191	41	challenges	challenge	NOUN
bjmsr-2210	191	42	of	of	ADP
bjmsr-2210	191	43	social	social	ADJ
bjmsr-2210	191	44	media	medium	NOUN
bjmsr-2210	191	45	banking	banking	NOUN
bjmsr-2210	191	46	,	,	PUNCT
bjmsr-2210	191	47	the	the	DET
bjmsr-2210	191	48	cutoff	cutoff	NOUN
bjmsr-2210	191	49	mean	mean	NOUN
bjmsr-2210	191	50	value	value	NOUN
bjmsr-2210	191	51	is	be	AUX
bjmsr-2210	191	52	set	set	VERB
bjmsr-2210	191	53	by	by	ADP
bjmsr-2210	191	54	30	30	NUM
bjmsr-2210	191	55	(	(	PUNCT
bjmsr-2210	191	56	since	since	SCONJ
bjmsr-2210	191	57	the	the	DET
bjmsr-2210	191	58	challenge	challenge	NOUN
bjmsr-2210	191	59	has	have	VERB
bjmsr-2210	191	60	10	10	NUM
bjmsr-2210	191	61	elements	element	NOUN
bjmsr-2210	191	62	)	)	PUNCT
bjmsr-2210	191	63	for	for	ADP
bjmsr-2210	191	64	each	each	DET
bjmsr-2210	191	65	respondent	respondent	NOUN
bjmsr-2210	191	66	.	.	PUNCT
bjmsr-2210	192	1	here	here	ADV
bjmsr-2210	192	2	,	,	PUNCT
bjmsr-2210	192	3	the	the	DET
bjmsr-2210	192	4	less	less	ADJ
bjmsr-2210	192	5	challenge	challenge	NOUN
bjmsr-2210	192	6	has	have	VERB
bjmsr-2210	192	7	a	a	DET
bjmsr-2210	192	8	mean	mean	ADJ
bjmsr-2210	192	9	value	value	NOUN
bjmsr-2210	192	10	of	of	ADP
bjmsr-2210	192	11	less	less	ADJ
bjmsr-2210	192	12	than	than	ADP
bjmsr-2210	192	13	30	30	NUM
bjmsr-2210	192	14	,	,	PUNCT
bjmsr-2210	192	15	whereas	whereas	SCONJ
bjmsr-2210	192	16	the	the	DET
bjmsr-2210	192	17	more	more	ADJ
bjmsr-2210	192	18	challenge	challenge	NOUN
bjmsr-2210	192	19	has	have	VERB
bjmsr-2210	192	20	a	a	DET
bjmsr-2210	192	21	mean	mean	ADJ
bjmsr-2210	192	22	value	value	NOUN
bjmsr-2210	192	23	of	of	ADP
bjmsr-2210	192	24	greater	great	ADJ
bjmsr-2210	192	25	than	than	ADP
bjmsr-2210	192	26	or	or	CCONJ
bjmsr-2210	192	27	equal	equal	ADJ
bjmsr-2210	192	28	to	to	ADP
bjmsr-2210	192	29	30	30	NUM
bjmsr-2210	192	30	.	.	PUNCT
bjmsr-2210	193	1	so	so	ADV
bjmsr-2210	193	2	,	,	PUNCT
bjmsr-2210	193	3	the	the	DET
bjmsr-2210	193	4	results	result	NOUN
bjmsr-2210	193	5	from	from	ADP
bjmsr-2210	193	6	table	table	NOUN
bjmsr-2210	193	7	4	4	NUM
bjmsr-2210	193	8	depict	depict	NOUN
bjmsr-2210	193	9	that	that	PRON
bjmsr-2210	193	10	100	100	NUM
bjmsr-2210	193	11	percent	percent	NOUN
bjmsr-2210	193	12	of	of	ADP
bjmsr-2210	193	13	public	public	ADJ
bjmsr-2210	193	14	and	and	CCONJ
bjmsr-2210	193	15	private	private	ADJ
bjmsr-2210	193	16	sector	sector	NOUN
bjmsr-2210	193	17	bankers	banker	NOUN
bjmsr-2210	193	18	face	face	VERB
bjmsr-2210	193	19	some	some	DET
bjmsr-2210	193	20	challenges	challenge	NOUN
bjmsr-2210	193	21	through	through	ADP
bjmsr-2210	193	22	social	social	ADJ
bjmsr-2210	193	23	media	medium	NOUN
bjmsr-2210	193	24	banking	banking	NOUN
bjmsr-2210	193	25	services	service	NOUN
bjmsr-2210	193	26	.	.	PUNCT
bjmsr-2210	194	1	table	table	NOUN
bjmsr-2210	194	2	4	4	NUM
bjmsr-2210	194	3	.	.	PUNCT
bjmsr-2210	195	1	challenges	challenge	NOUN
bjmsr-2210	195	2	of	of	ADP
bjmsr-2210	195	3	social	social	ADJ
bjmsr-2210	195	4	media	medium	NOUN
bjmsr-2210	195	5	banking	banking	NOUN
bjmsr-2210	195	6	public	public	ADJ
bjmsr-2210	195	7	sector	sector	NOUN
bjmsr-2210	195	8	banks	bank	NOUN
bjmsr-2210	195	9	private	private	ADJ
bjmsr-2210	195	10	sector	sector	NOUN
bjmsr-2210	195	11	banks	bank	NOUN
bjmsr-2210	195	12	frequency	frequency	VERB
bjmsr-2210	195	13	percentage	percentage	NOUN
bjmsr-2210	195	14	frequency	frequency	NOUN
bjmsr-2210	195	15	percentage	percentage	NOUN
bjmsr-2210	195	16	less	less	ADJ
bjmsr-2210	195	17	challenge	challenge	NOUN
bjmsr-2210	195	18	0	0	NUM
bjmsr-2210	195	19	0	0	NUM
bjmsr-2210	195	20	0	0	NUM
bjmsr-2210	195	21	0	0	NUM
bjmsr-2210	196	1	more	more	ADJ
bjmsr-2210	196	2	challenge	challenge	NOUN
bjmsr-2210	196	3	202	202	NUM
bjmsr-2210	196	4	100	100	NUM
bjmsr-2210	196	5	200	200	NUM
bjmsr-2210	196	6	100	100	NUM
bjmsr-2210	196	7	total	total	NOUN
bjmsr-2210	196	8	202	202	NUM
bjmsr-2210	196	9	100	100	NUM
bjmsr-2210	196	10	200	200	NUM
bjmsr-2210	196	11	100	100	NUM
bjmsr-2210	196	12	source	source	NOUN
bjmsr-2210	196	13	:	:	PUNCT
bjmsr-2210	196	14	author	author	NOUN
bjmsr-2210	196	15	’s	’s	PART
bjmsr-2210	196	16	own	own	ADJ
bjmsr-2210	196	17	estimation	estimation	NOUN
bjmsr-2210	196	18	ramasamy	ramasamy	NOUN
bjmsr-2210	196	19	et	et	PROPN
bjmsr-2210	196	20	al	al	PROPN
bjmsr-2210	196	21	.	.	PROPN
bjmsr-2210	196	22	,	,	PUNCT
bjmsr-2210	196	23	bangladesh	bangladesh	PROPN
bjmsr-2210	196	24	journal	journal	NOUN
bjmsr-2210	196	25	of	of	ADP
bjmsr-2210	196	26	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	196	27	scientific	scientific	ADJ
bjmsr-2210	196	28	research	research	NOUN
bjmsr-2210	196	29	9(2	9(2	NUM
bjmsr-2210	196	30	)	)	PUNCT
bjmsr-2210	196	31	(	(	PUNCT
bjmsr-2210	196	32	2024	2024	NUM
bjmsr-2210	196	33	)	)	PUNCT
bjmsr-2210	196	34	,	,	PUNCT
bjmsr-2210	196	35	1	1	NUM
bjmsr-2210	196	36	-	-	SYM
bjmsr-2210	196	37	9	9	NUM
bjmsr-2210	196	38	7	7	NUM
bjmsr-2210	196	39	since	since	SCONJ
bjmsr-2210	196	40	both	both	CCONJ
bjmsr-2210	196	41	public	public	ADJ
bjmsr-2210	196	42	and	and	CCONJ
bjmsr-2210	196	43	private	private	ADJ
bjmsr-2210	196	44	sector	sector	NOUN
bjmsr-2210	196	45	bankers	banker	NOUN
bjmsr-2210	196	46	(	(	PUNCT
bjmsr-2210	196	47	respondents	respondent	NOUN
bjmsr-2210	196	48	)	)	PUNCT
bjmsr-2210	196	49	feel	feel	VERB
bjmsr-2210	196	50	that	that	SCONJ
bjmsr-2210	196	51	social	social	ADJ
bjmsr-2210	196	52	media	medium	NOUN
bjmsr-2210	196	53	banking	banking	NOUN
bjmsr-2210	196	54	services	service	NOUN
bjmsr-2210	196	55	provide	provide	VERB
bjmsr-2210	196	56	benefits	benefit	NOUN
bjmsr-2210	196	57	and	and	CCONJ
bjmsr-2210	196	58	challenges	challenge	NOUN
bjmsr-2210	196	59	,	,	PUNCT
bjmsr-2210	196	60	the	the	DET
bjmsr-2210	196	61	researcher	researcher	NOUN
bjmsr-2210	196	62	employed	employ	VERB
bjmsr-2210	196	63	further	further	ADJ
bjmsr-2210	196	64	analysis	analysis	NOUN
bjmsr-2210	196	65	to	to	PART
bjmsr-2210	196	66	assess	assess	VERB
bjmsr-2210	196	67	the	the	DET
bjmsr-2210	196	68	effect	effect	NOUN
bjmsr-2210	196	69	of	of	ADP
bjmsr-2210	196	70	demographic	demographic	ADJ
bjmsr-2210	196	71	variables	variable	NOUN
bjmsr-2210	196	72	on	on	ADP
bjmsr-2210	196	73	the	the	DET
bjmsr-2210	196	74	benefits	benefit	NOUN
bjmsr-2210	196	75	and	and	CCONJ
bjmsr-2210	196	76	challenges	challenge	NOUN
bjmsr-2210	196	77	of	of	ADP
bjmsr-2210	196	78	social	social	ADJ
bjmsr-2210	196	79	media	medium	NOUN
bjmsr-2210	196	80	banking	banking	NOUN
bjmsr-2210	196	81	.	.	PUNCT
bjmsr-2210	197	1	effect	effect	NOUN
bjmsr-2210	197	2	of	of	ADP
bjmsr-2210	197	3	demographic	demographic	ADJ
bjmsr-2210	197	4	variables	variable	NOUN
bjmsr-2210	197	5	on	on	ADP
bjmsr-2210	197	6	benefits	benefit	NOUN
bjmsr-2210	197	7	and	and	CCONJ
bjmsr-2210	197	8	challenges	challenge	NOUN
bjmsr-2210	197	9	of	of	ADP
bjmsr-2210	197	10	socia	socia	NOUN
bjmsr-2210	197	11	media	media	NOUN
bjmsr-2210	197	12	banking	banking	NOUN
bjmsr-2210	197	13	table	table	NOUN
bjmsr-2210	197	14	5	5	NUM
bjmsr-2210	197	15	.	.	PUNCT
bjmsr-2210	197	16	influence	influence	NOUN
bjmsr-2210	197	17	of	of	ADP
bjmsr-2210	197	18	demographic	demographic	ADJ
bjmsr-2210	197	19	profile	profile	NOUN
bjmsr-2210	197	20	(	(	PUNCT
bjmsr-2210	197	21	gender	gender	NOUN
bjmsr-2210	197	22	,	,	PUNCT
bjmsr-2210	197	23	educational	educational	ADJ
bjmsr-2210	197	24	background	background	NOUN
bjmsr-2210	197	25	and	and	CCONJ
bjmsr-2210	197	26	bank	bank	NOUN
bjmsr-2210	197	27	category	category	NOUN
bjmsr-2210	197	28	)	)	PUNCT
bjmsr-2210	197	29	of	of	ADP
bjmsr-2210	197	30	bankers	banker	NOUN
bjmsr-2210	197	31	on	on	ADP
bjmsr-2210	197	32	benefits	benefit	NOUN
bjmsr-2210	197	33	and	and	CCONJ
bjmsr-2210	197	34	challenges	challenge	NOUN
bjmsr-2210	197	35	of	of	ADP
bjmsr-2210	197	36	social	social	ADJ
bjmsr-2210	197	37	media	medium	NOUN
bjmsr-2210	197	38	banking	banking	NOUN
bjmsr-2210	197	39	(	(	PUNCT
bjmsr-2210	197	40	smb	smb	NOUN
bjmsr-2210	197	41	)	)	PUNCT
bjmsr-2210	197	42	variables	variable	VERB
bjmsr-2210	197	43	gender	gender	PROPN
bjmsr-2210	197	44	educational	educational	PROPN
bjmsr-2210	197	45	background	background	NOUN
bjmsr-2210	197	46	bank	bank	NOUN
bjmsr-2210	197	47	category	category	NOUN
bjmsr-2210	197	48	mean	mean	VERB
bjmsr-2210	197	49	t	t	NOUN
bjmsr-2210	197	50	value	value	NOUN
bjmsr-2210	198	1	mean	mean	NOUN
bjmsr-2210	198	2	t	t	NOUN
bjmsr-2210	198	3	value	value	NOUN
bjmsr-2210	198	4	mean	mean	NOUN
bjmsr-2210	198	5	t	t	PROPN
bjmsr-2210	198	6	value	value	NOUN
bjmsr-2210	198	7	benefits	benefit	VERB
bjmsr-2210	198	8	41.53	41.53	NUM
bjmsr-2210	198	9	(	(	PUNCT
bjmsr-2210	198	10	m	m	NOUN
bjmsr-2210	198	11	)	)	PUNCT
bjmsr-2210	198	12	3.25	3.25	NUM
bjmsr-2210	198	13	*	*	PUNCT
bjmsr-2210	198	14	*	*	PUNCT
bjmsr-2210	199	1	*	*	PUNCT
bjmsr-2210	199	2	41.72	41.72	NUM
bjmsr-2210	199	3	(	(	PUNCT
bjmsr-2210	199	4	it	it	PRON
bjmsr-2210	199	5	)	)	PUNCT
bjmsr-2210	200	1	2.98	2.98	NUM
bjmsr-2210	200	2	*	*	PUNCT
bjmsr-2210	200	3	*	*	PUNCT
bjmsr-2210	200	4	*	*	PUNCT
bjmsr-2210	200	5	40.78	40.78	NUM
bjmsr-2210	200	6	(	(	PUNCT
bjmsr-2210	200	7	private	private	ADJ
bjmsr-2210	200	8	)	)	PUNCT
bjmsr-2210	200	9	0.15	0.15	NUM
bjmsr-2210	200	10	39.42	39.42	NUM
bjmsr-2210	200	11	(	(	PUNCT
bjmsr-2210	200	12	f	f	X
bjmsr-2210	200	13	)	)	PUNCT
bjmsr-2210	200	14	39.84	39.84	NUM
bjmsr-2210	200	15	(	(	PUNCT
bjmsr-2210	200	16	non	non	ADJ
bjmsr-2210	200	17	-	-	ADJ
bjmsr-2210	200	18	it	it	PRON
bjmsr-2210	200	19	)	)	PUNCT
bjmsr-2210	200	20	40.68	40.68	NUM
bjmsr-2210	200	21	(	(	PUNCT
bjmsr-2210	200	22	public	public	ADJ
bjmsr-2210	200	23	)	)	PUNCT
bjmsr-2210	200	24	challenges	challenge	VERB
bjmsr-2210	200	25	38.76	38.76	NUM
bjmsr-2210	200	26	(	(	PUNCT
bjmsr-2210	200	27	m	m	NOUN
bjmsr-2210	200	28	)	)	PUNCT
bjmsr-2210	200	29	-2.01	-2.01	NOUN
bjmsr-2210	200	30	*	*	PUNCT
bjmsr-2210	200	31	*	*	PROPN
bjmsr-2210	200	32	38.51	38.51	NUM
bjmsr-2210	200	33	(	(	PUNCT
bjmsr-2210	200	34	it	it	PRON
bjmsr-2210	200	35	)	)	PUNCT
bjmsr-2210	200	36	-2.54	-2.54	PROPN
bjmsr-2210	200	37	*	*	PUNCT
bjmsr-2210	200	38	*	*	PROPN
bjmsr-2210	200	39	38.51	38.51	NUM
bjmsr-2210	200	40	(	(	PUNCT
bjmsr-2210	200	41	private	private	ADJ
bjmsr-2210	200	42	)	)	PUNCT
bjmsr-2210	200	43	-2.65	-2.65	NOUN
bjmsr-2210	200	44	*	*	PUNCT
bjmsr-2210	200	45	*	*	PUNCT
bjmsr-2210	200	46	*	*	X
bjmsr-2210	200	47	39.69	39.69	NUM
bjmsr-2210	200	48	(	(	PUNCT
bjmsr-2210	200	49	f	f	X
bjmsr-2210	200	50	)	)	PUNCT
bjmsr-2210	200	51	39.65	39.65	NUM
bjmsr-2210	200	52	(	(	PUNCT
bjmsr-2210	200	53	non	non	ADJ
bjmsr-2210	200	54	-	-	ADJ
bjmsr-2210	200	55	it	it	PRON
bjmsr-2210	200	56	)	)	PUNCT
bjmsr-2210	200	57	39.70	39.70	NUM
bjmsr-2210	200	58	(	(	PUNCT
bjmsr-2210	200	59	public	public	ADJ
bjmsr-2210	200	60	)	)	PUNCT
bjmsr-2210	200	61	*	*	PUNCT
bjmsr-2210	200	62	*	*	PUNCT
bjmsr-2210	200	63	*	*	PUNCT
bjmsr-2210	200	64	*	*	PUNCT
bjmsr-2210	200	65	*	*	PUNCT
bjmsr-2210	200	66	sig	sig	NOUN
bjmsr-2210	200	67	at	at	ADP
bjmsr-2210	200	68	5	5	NUM
bjmsr-2210	200	69	%	%	NOUN
bjmsr-2210	200	70	and	and	CCONJ
bjmsr-2210	200	71	1	1	NUM
bjmsr-2210	200	72	%	%	NOUN
bjmsr-2210	200	73	respectively	respectively	ADV
bjmsr-2210	200	74	source	source	NOUN
bjmsr-2210	200	75	:	:	PUNCT
bjmsr-2210	200	76	author	author	NOUN
bjmsr-2210	200	77	’s	’s	PART
bjmsr-2210	200	78	own	own	ADJ
bjmsr-2210	200	79	estimation	estimation	NOUN
bjmsr-2210	200	80	the	the	DET
bjmsr-2210	200	81	independent	independent	ADJ
bjmsr-2210	200	82	t	t	PROPN
bjmsr-2210	200	83	-	-	PUNCT
bjmsr-2210	200	84	test	test	NOUN
bjmsr-2210	200	85	for	for	ADP
bjmsr-2210	200	86	gender	gender	NOUN
bjmsr-2210	200	87	with	with	ADP
bjmsr-2210	200	88	smb	smb	PROPN
bjmsr-2210	200	89	benefits	benefit	NOUN
bjmsr-2210	200	90	was	be	AUX
bjmsr-2210	200	91	carried	carry	VERB
bjmsr-2210	200	92	out	out	ADP
bjmsr-2210	200	93	in	in	ADP
bjmsr-2210	200	94	table	table	NOUN
bjmsr-2210	200	95	5	5	NUM
bjmsr-2210	200	96	,	,	PUNCT
bjmsr-2210	200	97	and	and	CCONJ
bjmsr-2210	200	98	the	the	DET
bjmsr-2210	200	99	results	result	NOUN
bjmsr-2210	200	100	show	show	VERB
bjmsr-2210	200	101	a	a	DET
bjmsr-2210	200	102	difference	difference	NOUN
bjmsr-2210	200	103	between	between	ADP
bjmsr-2210	200	104	males	male	NOUN
bjmsr-2210	200	105	and	and	CCONJ
bjmsr-2210	200	106	females	female	NOUN
bjmsr-2210	200	107	.	.	PUNCT
bjmsr-2210	201	1	so	so	ADV
bjmsr-2210	201	2	,	,	PUNCT
bjmsr-2210	201	3	the	the	DET
bjmsr-2210	201	4	null	null	ADJ
bjmsr-2210	201	5	hypothesis	hypothesis	NOUN
bjmsr-2210	201	6	(	(	PUNCT
bjmsr-2210	201	7	h3	h3	NOUN
bjmsr-2210	201	8	)	)	PUNCT
bjmsr-2210	201	9	can	can	AUX
bjmsr-2210	201	10	be	be	AUX
bjmsr-2210	201	11	rejected	reject	VERB
bjmsr-2210	201	12	for	for	ADP
bjmsr-2210	201	13	gender	gender	NOUN
bjmsr-2210	201	14	and	and	CCONJ
bjmsr-2210	201	15	smb	smb	NOUN
bjmsr-2210	201	16	benefits	benefit	NOUN
bjmsr-2210	201	17	.	.	PUNCT
bjmsr-2210	202	1	the	the	DET
bjmsr-2210	202	2	value	value	NOUN
bjmsr-2210	202	3	of	of	ADP
bjmsr-2210	202	4	the	the	DET
bjmsr-2210	202	5	mean	mean	ADJ
bjmsr-2210	202	6	scores	score	NOUN
bjmsr-2210	202	7	of	of	ADP
bjmsr-2210	202	8	genders	gender	NOUN
bjmsr-2210	202	9	implies	imply	VERB
bjmsr-2210	202	10	that	that	SCONJ
bjmsr-2210	202	11	male	male	ADJ
bjmsr-2210	202	12	bankers	banker	NOUN
bjmsr-2210	202	13	feel	feel	VERB
bjmsr-2210	202	14	more	more	ADJ
bjmsr-2210	202	15	benefits	benefit	NOUN
bjmsr-2210	202	16	are	be	AUX
bjmsr-2210	202	17	derived	derive	VERB
bjmsr-2210	202	18	from	from	ADP
bjmsr-2210	202	19	smb	smb	NOUN
bjmsr-2210	202	20	than	than	ADP
bjmsr-2210	202	21	female	female	ADJ
bjmsr-2210	202	22	bankers	banker	NOUN
bjmsr-2210	202	23	.	.	PUNCT
bjmsr-2210	203	1	the	the	DET
bjmsr-2210	203	2	educational	educational	ADJ
bjmsr-2210	203	3	backgrounds	background	NOUN
bjmsr-2210	203	4	of	of	ADP
bjmsr-2210	203	5	the	the	DET
bjmsr-2210	203	6	bankers	banker	NOUN
bjmsr-2210	203	7	differ	differ	VERB
bjmsr-2210	203	8	significantly	significantly	ADV
bjmsr-2210	203	9	between	between	ADP
bjmsr-2210	203	10	it	it	PRON
bjmsr-2210	203	11	and	and	CCONJ
bjmsr-2210	203	12	non	non	NOUN
bjmsr-2210	203	13	-	-	NOUN
bjmsr-2210	203	14	it	it	PRON
bjmsr-2210	203	15	with	with	ADP
bjmsr-2210	203	16	benefits	benefit	NOUN
bjmsr-2210	203	17	of	of	ADP
bjmsr-2210	203	18	smb	smb	NOUN
bjmsr-2210	203	19	.	.	PUNCT
bjmsr-2210	204	1	bankers	banker	NOUN
bjmsr-2210	204	2	with	with	ADP
bjmsr-2210	204	3	it	it	PRON
bjmsr-2210	204	4	educational	educational	ADJ
bjmsr-2210	204	5	backgrounds	background	NOUN
bjmsr-2210	204	6	feel	feel	VERB
bjmsr-2210	204	7	that	that	SCONJ
bjmsr-2210	204	8	smb	smb	PROPN
bjmsr-2210	204	9	offers	offer	VERB
bjmsr-2210	204	10	more	more	ADJ
bjmsr-2210	204	11	benefits	benefit	NOUN
bjmsr-2210	204	12	than	than	ADP
bjmsr-2210	204	13	non	non	ADJ
bjmsr-2210	204	14	-	-	ADJ
bjmsr-2210	204	15	it	it	PRON
bjmsr-2210	204	16	bankers	banker	NOUN
bjmsr-2210	204	17	.	.	PUNCT
bjmsr-2210	205	1	so	so	ADV
bjmsr-2210	205	2	,	,	PUNCT
bjmsr-2210	205	3	the	the	DET
bjmsr-2210	205	4	null	null	ADJ
bjmsr-2210	205	5	hypothesis	hypothesis	NOUN
bjmsr-2210	205	6	(	(	PUNCT
bjmsr-2210	205	7	h3	h3	NOUN
bjmsr-2210	205	8	)	)	PUNCT
bjmsr-2210	205	9	is	be	AUX
bjmsr-2210	205	10	rejected	reject	VERB
bjmsr-2210	205	11	for	for	ADP
bjmsr-2210	205	12	the	the	DET
bjmsr-2210	205	13	educational	educational	ADJ
bjmsr-2210	205	14	background	background	NOUN
bjmsr-2210	205	15	with	with	ADP
bjmsr-2210	205	16	benefits	benefit	NOUN
bjmsr-2210	205	17	of	of	ADP
bjmsr-2210	205	18	smb	smb	NOUN
bjmsr-2210	205	19	.	.	PUNCT
bjmsr-2210	206	1	the	the	DET
bjmsr-2210	206	2	bank	bank	NOUN
bjmsr-2210	206	3	category	category	NOUN
bjmsr-2210	206	4	does	do	AUX
bjmsr-2210	206	5	not	not	PART
bjmsr-2210	206	6	significantly	significantly	ADV
bjmsr-2210	206	7	influence	influence	VERB
bjmsr-2210	206	8	the	the	DET
bjmsr-2210	206	9	benefits	benefit	NOUN
bjmsr-2210	206	10	of	of	ADP
bjmsr-2210	206	11	smbs	smb	NOUN
bjmsr-2210	206	12	,	,	PUNCT
bjmsr-2210	206	13	which	which	PRON
bjmsr-2210	206	14	are	be	AUX
bjmsr-2210	206	15	similar	similar	ADJ
bjmsr-2210	206	16	in	in	ADP
bjmsr-2210	206	17	both	both	CCONJ
bjmsr-2210	206	18	private	private	ADJ
bjmsr-2210	206	19	and	and	CCONJ
bjmsr-2210	206	20	public	public	ADJ
bjmsr-2210	206	21	sector	sector	NOUN
bjmsr-2210	206	22	bankers	banker	NOUN
bjmsr-2210	206	23	.	.	PUNCT
bjmsr-2210	207	1	so	so	ADV
bjmsr-2210	207	2	,	,	PUNCT
bjmsr-2210	207	3	the	the	DET
bjmsr-2210	207	4	null	null	ADJ
bjmsr-2210	207	5	hypothesis	hypothesis	NOUN
bjmsr-2210	207	6	(	(	PUNCT
bjmsr-2210	207	7	h3	h3	NOUN
bjmsr-2210	207	8	)	)	PUNCT
bjmsr-2210	207	9	is	be	AUX
bjmsr-2210	207	10	accepted	accept	VERB
bjmsr-2210	207	11	for	for	ADP
bjmsr-2210	207	12	the	the	DET
bjmsr-2210	207	13	bank	bank	NOUN
bjmsr-2210	207	14	category	category	NOUN
bjmsr-2210	207	15	with	with	ADP
bjmsr-2210	207	16	the	the	DET
bjmsr-2210	207	17	benefits	benefit	NOUN
bjmsr-2210	207	18	of	of	ADP
bjmsr-2210	207	19	smbs	smb	NOUN
bjmsr-2210	207	20	.	.	PUNCT
bjmsr-2210	208	1	regarding	regard	VERB
bjmsr-2210	208	2	smb	smb	PROPN
bjmsr-2210	208	3	bankers	banker	NOUN
bjmsr-2210	208	4	'	'	PART
bjmsr-2210	208	5	challenges	challenge	NOUN
bjmsr-2210	208	6	,	,	PUNCT
bjmsr-2210	208	7	female	female	ADJ
bjmsr-2210	208	8	bankers	banker	NOUN
bjmsr-2210	208	9	feel	feel	VERB
bjmsr-2210	208	10	more	more	ADV
bjmsr-2210	208	11	challenged	challenge	VERB
bjmsr-2210	208	12	than	than	ADP
bjmsr-2210	208	13	male	male	ADJ
bjmsr-2210	208	14	bankers	banker	NOUN
bjmsr-2210	208	15	.	.	PUNCT
bjmsr-2210	209	1	there	there	PRON
bjmsr-2210	209	2	is	be	VERB
bjmsr-2210	209	3	also	also	ADV
bjmsr-2210	209	4	a	a	DET
bjmsr-2210	209	5	significant	significant	ADJ
bjmsr-2210	209	6	difference	difference	NOUN
bjmsr-2210	209	7	between	between	ADP
bjmsr-2210	209	8	males	male	NOUN
bjmsr-2210	209	9	and	and	CCONJ
bjmsr-2210	209	10	females	female	NOUN
bjmsr-2210	209	11	.	.	PUNCT
bjmsr-2210	210	1	so	so	ADV
bjmsr-2210	210	2	,	,	PUNCT
bjmsr-2210	210	3	the	the	DET
bjmsr-2210	210	4	null	null	ADJ
bjmsr-2210	210	5	hypothesis	hypothesis	NOUN
bjmsr-2210	210	6	(	(	PUNCT
bjmsr-2210	210	7	h4	h4	PROPN
bjmsr-2210	210	8	)	)	PUNCT
bjmsr-2210	210	9	is	be	AUX
bjmsr-2210	210	10	rejected	reject	VERB
bjmsr-2210	210	11	for	for	ADP
bjmsr-2210	210	12	gender	gender	NOUN
bjmsr-2210	210	13	and	and	CCONJ
bjmsr-2210	210	14	challenges	challenge	NOUN
bjmsr-2210	210	15	of	of	ADP
bjmsr-2210	210	16	smb	smb	NOUN
bjmsr-2210	210	17	.	.	PUNCT
bjmsr-2210	211	1	suppose	suppose	VERB
bjmsr-2210	211	2	you	you	PRON
bjmsr-2210	211	3	consider	consider	VERB
bjmsr-2210	211	4	the	the	DET
bjmsr-2210	211	5	challenges	challenge	NOUN
bjmsr-2210	211	6	of	of	ADP
bjmsr-2210	211	7	smb	smb	NOUN
bjmsr-2210	211	8	and	and	CCONJ
bjmsr-2210	211	9	the	the	DET
bjmsr-2210	211	10	educational	educational	ADJ
bjmsr-2210	211	11	background	background	NOUN
bjmsr-2210	211	12	of	of	ADP
bjmsr-2210	211	13	the	the	DET
bjmsr-2210	211	14	bankers	banker	NOUN
bjmsr-2210	211	15	.	.	PUNCT
bjmsr-2210	212	1	in	in	ADP
bjmsr-2210	212	2	that	that	DET
bjmsr-2210	212	3	case	case	NOUN
bjmsr-2210	212	4	,	,	PUNCT
bjmsr-2210	212	5	the	the	DET
bjmsr-2210	212	6	bankers	banker	NOUN
bjmsr-2210	212	7	with	with	ADP
bjmsr-2210	212	8	non	non	ADJ
bjmsr-2210	212	9	-	-	ADJ
bjmsr-2210	212	10	it	it	ADJ
bjmsr-2210	212	11	educational	educational	ADJ
bjmsr-2210	212	12	backgrounds	background	NOUN
bjmsr-2210	212	13	feel	feel	VERB
bjmsr-2210	212	14	that	that	SCONJ
bjmsr-2210	212	15	smb	smb	PROPN
bjmsr-2210	212	16	have	have	VERB
bjmsr-2210	212	17	more	more	ADJ
bjmsr-2210	212	18	challenges	challenge	NOUN
bjmsr-2210	212	19	(	(	PUNCT
bjmsr-2210	212	20	mean	mean	ADJ
bjmsr-2210	212	21	scores	score	NOUN
bjmsr-2210	212	22	)	)	PUNCT
bjmsr-2210	212	23	than	than	ADP
bjmsr-2210	212	24	the	the	DET
bjmsr-2210	212	25	ones	one	NOUN
bjmsr-2210	212	26	with	with	ADP
bjmsr-2210	212	27	it	it	PRON
bjmsr-2210	212	28	educational	educational	ADJ
bjmsr-2210	212	29	backgrounds	background	NOUN
bjmsr-2210	212	30	bankers	banker	NOUN
bjmsr-2210	212	31	.	.	PUNCT
bjmsr-2210	213	1	so	so	ADV
bjmsr-2210	213	2	,	,	PUNCT
bjmsr-2210	213	3	accept	accept	VERB
bjmsr-2210	213	4	the	the	DET
bjmsr-2210	213	5	alternative	alternative	ADJ
bjmsr-2210	213	6	hypothesis	hypothesis	NOUN
bjmsr-2210	213	7	for	for	ADP
bjmsr-2210	213	8	the	the	DET
bjmsr-2210	213	9	educational	educational	ADJ
bjmsr-2210	213	10	background	background	NOUN
bjmsr-2210	213	11	and	and	CCONJ
bjmsr-2210	213	12	challenges	challenge	NOUN
bjmsr-2210	213	13	of	of	ADP
bjmsr-2210	213	14	smb	smb	NOUN
bjmsr-2210	213	15	.	.	PUNCT
bjmsr-2210	214	1	the	the	DET
bjmsr-2210	214	2	bank	bank	NOUN
bjmsr-2210	214	3	category	category	NOUN
bjmsr-2210	214	4	also	also	ADV
bjmsr-2210	214	5	influences	influence	VERB
bjmsr-2210	214	6	the	the	DET
bjmsr-2210	214	7	challenges	challenge	NOUN
bjmsr-2210	214	8	of	of	ADP
bjmsr-2210	214	9	smbs	smb	NOUN
bjmsr-2210	214	10	.	.	PUNCT
bjmsr-2210	215	1	private	private	ADJ
bjmsr-2210	215	2	sector	sector	NOUN
bjmsr-2210	215	3	bankers	banker	NOUN
bjmsr-2210	215	4	feel	feel	VERB
bjmsr-2210	215	5	that	that	SCONJ
bjmsr-2210	215	6	smbs	smb	NOUN
bjmsr-2210	215	7	have	have	VERB
bjmsr-2210	215	8	fewer	few	ADJ
bjmsr-2210	215	9	challenges	challenge	NOUN
bjmsr-2210	215	10	than	than	ADP
bjmsr-2210	215	11	public	public	ADJ
bjmsr-2210	215	12	sector	sector	NOUN
bjmsr-2210	215	13	bankers	banker	NOUN
bjmsr-2210	215	14	.	.	PUNCT
bjmsr-2210	216	1	so	so	ADV
bjmsr-2210	216	2	,	,	PUNCT
bjmsr-2210	216	3	the	the	DET
bjmsr-2210	216	4	null	null	ADJ
bjmsr-2210	216	5	hypothesis	hypothesis	NOUN
bjmsr-2210	216	6	(	(	PUNCT
bjmsr-2210	216	7	h4	h4	PROPN
bjmsr-2210	216	8	)	)	PUNCT
bjmsr-2210	216	9	can	can	AUX
bjmsr-2210	216	10	be	be	AUX
bjmsr-2210	216	11	rejected	reject	VERB
bjmsr-2210	216	12	for	for	ADP
bjmsr-2210	216	13	the	the	DET
bjmsr-2210	216	14	bank	bank	NOUN
bjmsr-2210	216	15	category	category	NOUN
bjmsr-2210	216	16	with	with	ADP
bjmsr-2210	216	17	the	the	DET
bjmsr-2210	216	18	challenges	challenge	NOUN
bjmsr-2210	216	19	of	of	ADP
bjmsr-2210	216	20	smbs	smb	NOUN
bjmsr-2210	216	21	.	.	PUNCT
bjmsr-2210	217	1	indian	indian	ADJ
bjmsr-2210	217	2	private	private	ADJ
bjmsr-2210	217	3	sector	sector	NOUN
bjmsr-2210	217	4	banks	bank	NOUN
bjmsr-2210	217	5	are	be	AUX
bjmsr-2210	217	6	adopting	adopt	VERB
bjmsr-2210	217	7	more	more	ADJ
bjmsr-2210	217	8	it	it	PRON
bjmsr-2210	217	9	and	and	CCONJ
bjmsr-2210	217	10	social	social	ADJ
bjmsr-2210	217	11	media	medium	NOUN
bjmsr-2210	217	12	-	-	PUNCT
bjmsr-2210	217	13	related	relate	VERB
bjmsr-2210	217	14	services	service	NOUN
bjmsr-2210	217	15	than	than	ADP
bjmsr-2210	217	16	public	public	ADJ
bjmsr-2210	217	17	sector	sector	NOUN
bjmsr-2210	217	18	banks	bank	NOUN
bjmsr-2210	217	19	in	in	ADP
bjmsr-2210	217	20	their	their	PRON
bjmsr-2210	217	21	banking	banking	NOUN
bjmsr-2210	217	22	activities	activity	NOUN
bjmsr-2210	217	23	.	.	PUNCT
bjmsr-2210	218	1	table	table	NOUN
bjmsr-2210	218	2	6	6	NUM
bjmsr-2210	218	3	.	.	PUNCT
bjmsr-2210	219	1	influence	influence	NOUN
bjmsr-2210	219	2	of	of	ADP
bjmsr-2210	219	3	demographic	demographic	ADJ
bjmsr-2210	219	4	profile	profile	NOUN
bjmsr-2210	219	5	(	(	PUNCT
bjmsr-2210	219	6	age	age	NOUN
bjmsr-2210	219	7	,	,	PUNCT
bjmsr-2210	219	8	educational	educational	ADJ
bjmsr-2210	219	9	qualification	qualification	NOUN
bjmsr-2210	219	10	,	,	PUNCT
bjmsr-2210	219	11	designation	designation	NOUN
bjmsr-2210	219	12	and	and	CCONJ
bjmsr-2210	219	13	experience	experience	NOUN
bjmsr-2210	219	14	)	)	PUNCT
bjmsr-2210	219	15	of	of	ADP
bjmsr-2210	219	16	bankers	banker	NOUN
bjmsr-2210	219	17	on	on	ADP
bjmsr-2210	219	18	benefits	benefit	NOUN
bjmsr-2210	219	19	and	and	CCONJ
bjmsr-2210	219	20	challenges	challenge	NOUN
bjmsr-2210	219	21	of	of	ADP
bjmsr-2210	219	22	social	social	ADJ
bjmsr-2210	219	23	media	medium	NOUN
bjmsr-2210	219	24	banking	banking	NOUN
bjmsr-2210	219	25	variables	variable	NOUN
bjmsr-2210	220	1	age	age	NOUN
bjmsr-2210	220	2	educational	educational	ADJ
bjmsr-2210	220	3	qualification	qualification	NOUN
bjmsr-2210	220	4	designation	designation	NOUN
bjmsr-2210	220	5	experience	experience	NOUN
bjmsr-2210	220	6	mean	mean	NOUN
bjmsr-2210	220	7	f	f	PROPN
bjmsr-2210	220	8	value	value	NOUN
bjmsr-2210	220	9	mean	mean	VERB
bjmsr-2210	220	10	f	f	X
bjmsr-2210	220	11	value	value	NOUN
bjmsr-2210	220	12	mean	mean	VERB
bjmsr-2210	220	13	f	f	X
bjmsr-2210	220	14	value	value	NOUN
bjmsr-2210	220	15	mean	mean	VERB
bjmsr-2210	220	16	f	f	PROPN
bjmsr-2210	220	17	value	value	NOUN
bjmsr-2210	220	18	benefits	benefit	NOUN
bjmsr-2210	220	19	40.31	40.31	NUM
bjmsr-2210	220	20	(	(	PUNCT
bjmsr-2210	220	21	below	below	ADP
bjmsr-2210	220	22	25	25	NUM
bjmsr-2210	220	23	)	)	PUNCT
bjmsr-2210	220	24	6.92	6.92	NUM
bjmsr-2210	220	25	*	*	PUNCT
bjmsr-2210	220	26	*	*	PUNCT
bjmsr-2210	220	27	*	*	PUNCT
bjmsr-2210	220	28	39.99	39.99	NUM
bjmsr-2210	220	29	(	(	PUNCT
bjmsr-2210	220	30	graduation	graduation	NOUN
bjmsr-2210	220	31	)	)	PUNCT
bjmsr-2210	220	32	1.11	1.11	NUM
bjmsr-2210	220	33	39.84	39.84	NUM
bjmsr-2210	220	34	(	(	PUNCT
bjmsr-2210	220	35	clerk	clerk	NOUN
bjmsr-2210	220	36	)	)	PUNCT
bjmsr-2210	220	37	2.56	2.56	NUM
bjmsr-2210	220	38	41.90	41.90	NUM
bjmsr-2210	220	39	(	(	PUNCT
bjmsr-2210	220	40	>	>	SYM
bjmsr-2210	220	41	5	5	NUM
bjmsr-2210	220	42	yr	yr	NOUN
bjmsr-2210	220	43	)	)	PUNCT
bjmsr-2210	220	44	7.37	7.37	NUM
bjmsr-2210	220	45	*	*	PUNCT
bjmsr-2210	220	46	*	*	PUNCT
bjmsr-2210	220	47	*	*	PUNCT
bjmsr-2210	220	48	41.89	41.89	NUM
bjmsr-2210	220	49	(	(	PUNCT
bjmsr-2210	220	50	25	25	NUM
bjmsr-2210	220	51	to	to	PART
bjmsr-2210	220	52	35	35	NUM
bjmsr-2210	220	53	)	)	PUNCT
bjmsr-2210	220	54	41.04	41.04	NUM
bjmsr-2210	220	55	(	(	PUNCT
bjmsr-2210	220	56	6	6	NUM
bjmsr-2210	220	57	to	to	PART
bjmsr-2210	220	58	10	10	NUM
bjmsr-2210	220	59	yr	yr	NOUN
bjmsr-2210	220	60	)	)	PUNCT
bjmsr-2210	220	61	38.69	38.69	NUM
bjmsr-2210	220	62	(	(	PUNCT
bjmsr-2210	220	63	36	36	NUM
bjmsr-2210	220	64	to	to	PART
bjmsr-2210	220	65	45	45	NUM
bjmsr-2210	220	66	)	)	PUNCT
bjmsr-2210	220	67	40.92	40.92	NUM
bjmsr-2210	220	68	(	(	PUNCT
bjmsr-2210	220	69	p.g	p.g	PROPN
bjmsr-2210	220	70	)	)	PUNCT
bjmsr-2210	220	71	41.64	41.64	NUM
bjmsr-2210	220	72	(	(	PUNCT
bjmsr-2210	220	73	officer	officer	NOUN
bjmsr-2210	220	74	)	)	PUNCT
bjmsr-2210	220	75	36.81	36.81	NUM
bjmsr-2210	220	76	(	(	PUNCT
bjmsr-2210	220	77	46	46	NUM
bjmsr-2210	220	78	to	to	PART
bjmsr-2210	220	79	55	55	NUM
bjmsr-2210	220	80	)	)	PUNCT
bjmsr-2210	220	81	38.39	38.39	NUM
bjmsr-2210	220	82	(	(	PUNCT
bjmsr-2210	220	83	11	11	NUM
bjmsr-2210	220	84	to	to	PART
bjmsr-2210	220	85	15	15	NUM
bjmsr-2210	220	86	yr	yr	NOUN
bjmsr-2210	220	87	)	)	PUNCT
bjmsr-2210	220	88	36.25	36.25	NUM
bjmsr-2210	220	89	(	(	PUNCT
bjmsr-2210	220	90	above	above	ADP
bjmsr-2210	220	91	55	55	NUM
bjmsr-2210	220	92	)	)	PUNCT
bjmsr-2210	220	93	41.85	41.85	NUM
bjmsr-2210	220	94	(	(	PUNCT
bjmsr-2210	220	95	others	other	NOUN
bjmsr-2210	220	96	)	)	PUNCT
bjmsr-2210	220	97	40.28	40.28	NUM
bjmsr-2210	220	98	(	(	PUNCT
bjmsr-2210	220	99	manager	manager	NOUN
bjmsr-2210	220	100	)	)	PUNCT
bjmsr-2210	220	101	38.25	38.25	NUM
bjmsr-2210	220	102	(	(	PUNCT
bjmsr-2210	220	103	<	<	X
bjmsr-2210	220	104	15	15	NUM
bjmsr-2210	220	105	yr	yr	NOUN
bjmsr-2210	220	106	)	)	PUNCT
bjmsr-2210	220	107	challenges	challenge	VERB
bjmsr-2210	220	108	40.10	40.10	NUM
bjmsr-2210	220	109	(	(	PUNCT
bjmsr-2210	220	110	below	below	ADP
bjmsr-2210	220	111	25	25	NUM
bjmsr-2210	220	112	)	)	PUNCT
bjmsr-2210	220	113	4.07	4.07	NUM
bjmsr-2210	220	114	*	*	PUNCT
bjmsr-2210	220	115	*	*	PUNCT
bjmsr-2210	220	116	*	*	X
bjmsr-2210	220	117	39.36	39.36	NUM
bjmsr-2210	220	118	(	(	PUNCT
bjmsr-2210	220	119	graduation	graduation	NOUN
bjmsr-2210	220	120	)	)	PUNCT
bjmsr-2210	220	121	2.40	2.40	NUM
bjmsr-2210	220	122	40.19	40.19	NUM
bjmsr-2210	220	123	(	(	PUNCT
bjmsr-2210	220	124	clerk	clerk	NOUN
bjmsr-2210	220	125	)	)	PUNCT
bjmsr-2210	220	126	6.40	6.40	NUM
bjmsr-2210	220	127	*	*	PUNCT
bjmsr-2210	220	128	*	*	PUNCT
bjmsr-2210	220	129	*	*	PUNCT
bjmsr-2210	220	130	38.26	38.26	NUM
bjmsr-2210	220	131	(	(	PUNCT
bjmsr-2210	220	132	>	>	SYM
bjmsr-2210	220	133	5	5	NUM
bjmsr-2210	220	134	yr	yr	NOUN
bjmsr-2210	220	135	)	)	PUNCT
bjmsr-2210	220	136	5.41	5.41	NUM
bjmsr-2210	220	137	*	*	PUNCT
bjmsr-2210	220	138	*	*	PUNCT
bjmsr-2210	220	139	*	*	NOUN
bjmsr-2210	220	140	38.42	38.42	NUM
bjmsr-2210	220	141	(	(	PUNCT
bjmsr-2210	220	142	25	25	NUM
bjmsr-2210	220	143	to	to	PART
bjmsr-2210	220	144	35	35	NUM
bjmsr-2210	220	145	)	)	PUNCT
bjmsr-2210	220	146	40.31	40.31	NUM
bjmsr-2210	220	147	(	(	PUNCT
bjmsr-2210	220	148	36	36	NUM
bjmsr-2210	220	149	to	to	PART
bjmsr-2210	220	150	45	45	NUM
bjmsr-2210	220	151	)	)	PUNCT
bjmsr-2210	220	152	38.85	38.85	NUM
bjmsr-2210	220	153	(	(	PUNCT
bjmsr-2210	220	154	p.g	p.g	PROPN
bjmsr-2210	220	155	)	)	PUNCT
bjmsr-2210	220	156	38.60	38.60	NUM
bjmsr-2210	220	157	(	(	PUNCT
bjmsr-2210	220	158	officer	officer	NOUN
bjmsr-2210	220	159	)	)	PUNCT
bjmsr-2210	220	160	39.29	39.29	NUM
bjmsr-2210	220	161	(	(	PUNCT
bjmsr-2210	220	162	6	6	NUM
bjmsr-2210	220	163	to	to	PART
bjmsr-2210	220	164	10	10	NUM
bjmsr-2210	220	165	yr	yr	NOUN
bjmsr-2210	220	166	)	)	PUNCT
bjmsr-2210	220	167	39.75	39.75	NUM
bjmsr-2210	220	168	(	(	PUNCT
bjmsr-2210	220	169	46	46	NUM
bjmsr-2210	220	170	to	to	PART
bjmsr-2210	220	171	55	55	NUM
bjmsr-2210	220	172	)	)	PUNCT
bjmsr-2210	220	173	39.89	39.89	NUM
bjmsr-2210	220	174	(	(	PUNCT
bjmsr-2210	220	175	11	11	NUM
bjmsr-2210	220	176	to	to	PART
bjmsr-2210	220	177	15	15	NUM
bjmsr-2210	220	178	yr	yr	NOUN
bjmsr-2210	220	179	)	)	PUNCT
bjmsr-2210	220	180	41.75	41.75	NUM
bjmsr-2210	220	181	(	(	PUNCT
bjmsr-2210	220	182	above	above	ADP
bjmsr-2210	220	183	55	55	NUM
bjmsr-2210	220	184	)	)	PUNCT
bjmsr-2210	220	185	40.90	40.90	NUM
bjmsr-2210	220	186	(	(	PUNCT
bjmsr-2210	220	187	others	other	NOUN
bjmsr-2210	220	188	)	)	PUNCT
bjmsr-2210	220	189	39.89	39.89	NUM
bjmsr-2210	220	190	(	(	PUNCT
bjmsr-2210	220	191	manager	manager	NOUN
bjmsr-2210	220	192	)	)	PUNCT
bjmsr-2210	220	193	40.82	40.82	NUM
bjmsr-2210	220	194	(	(	PUNCT
bjmsr-2210	220	195	<	<	X
bjmsr-2210	220	196	15	15	NUM
bjmsr-2210	220	197	yr	yr	NOUN
bjmsr-2210	220	198	)	)	PUNCT
bjmsr-2210	220	199	*	*	PUNCT
bjmsr-2210	221	1	*	*	PUNCT
bjmsr-2210	221	2	*	*	PUNCT
bjmsr-2210	221	3	*	*	PUNCT
bjmsr-2210	221	4	*	*	PUNCT
bjmsr-2210	221	5	sig	sig	NOUN
bjmsr-2210	221	6	at	at	ADP
bjmsr-2210	221	7	5	5	NUM
bjmsr-2210	221	8	%	%	NOUN
bjmsr-2210	221	9	and	and	CCONJ
bjmsr-2210	221	10	1	1	NUM
bjmsr-2210	221	11	%	%	NOUN
bjmsr-2210	221	12	respectively	respectively	ADV
bjmsr-2210	221	13	source	source	NOUN
bjmsr-2210	221	14	:	:	PUNCT
bjmsr-2210	221	15	author	author	NOUN
bjmsr-2210	221	16	’s	’s	PART
bjmsr-2210	221	17	own	own	ADJ
bjmsr-2210	221	18	estimation	estimation	NOUN
bjmsr-2210	221	19	table	table	NOUN
bjmsr-2210	221	20	6	6	NUM
bjmsr-2210	221	21	shows	show	VERB
bjmsr-2210	221	22	the	the	DET
bjmsr-2210	221	23	anova	anova	PROPN
bjmsr-2210	221	24	test	test	NOUN
bjmsr-2210	221	25	result	result	NOUN
bjmsr-2210	221	26	for	for	ADP
bjmsr-2210	221	27	the	the	DET
bjmsr-2210	221	28	demographic	demographic	ADJ
bjmsr-2210	221	29	profile	profile	NOUN
bjmsr-2210	221	30	of	of	ADP
bjmsr-2210	221	31	the	the	DET
bjmsr-2210	221	32	bankers	banker	NOUN
bjmsr-2210	221	33	and	and	CCONJ
bjmsr-2210	221	34	the	the	DET
bjmsr-2210	221	35	benefits	benefit	NOUN
bjmsr-2210	221	36	of	of	ADP
bjmsr-2210	221	37	smb	smb	PROPN
bjmsr-2210	221	38	.	.	PUNCT
bjmsr-2210	222	1	from	from	ADP
bjmsr-2210	222	2	the	the	DET
bjmsr-2210	222	3	above	above	ADJ
bjmsr-2210	222	4	result	result	NOUN
bjmsr-2210	222	5	for	for	ADP
bjmsr-2210	222	6	the	the	DET
bjmsr-2210	222	7	variable	variable	NOUN
bjmsr-2210	222	8	,	,	PUNCT
bjmsr-2210	222	9	age	age	NOUN
bjmsr-2210	222	10	with	with	ADP
bjmsr-2210	222	11	benefits	benefit	NOUN
bjmsr-2210	222	12	of	of	ADP
bjmsr-2210	222	13	smb	smb	NOUN
bjmsr-2210	222	14	,	,	PUNCT
bjmsr-2210	222	15	it	it	PRON
bjmsr-2210	222	16	is	be	AUX
bjmsr-2210	222	17	revealed	reveal	VERB
bjmsr-2210	222	18	that	that	SCONJ
bjmsr-2210	222	19	there	there	PRON
bjmsr-2210	222	20	is	be	VERB
bjmsr-2210	222	21	a	a	DET
bjmsr-2210	222	22	significant	significant	ADJ
bjmsr-2210	222	23	influence	influence	NOUN
bjmsr-2210	222	24	between	between	ADP
bjmsr-2210	222	25	the	the	DET
bjmsr-2210	222	26	age	age	NOUN
bjmsr-2210	222	27	of	of	ADP
bjmsr-2210	222	28	the	the	DET
bjmsr-2210	222	29	bankers	banker	NOUN
bjmsr-2210	222	30	and	and	CCONJ
bjmsr-2210	222	31	the	the	DET
bjmsr-2210	222	32	benefits	benefit	NOUN
bjmsr-2210	222	33	of	of	ADP
bjmsr-2210	222	34	smb	smb	NOUN
bjmsr-2210	222	35	.	.	PUNCT
bjmsr-2210	223	1	so	so	ADV
bjmsr-2210	223	2	,	,	PUNCT
bjmsr-2210	223	3	the	the	DET
bjmsr-2210	223	4	null	null	ADJ
bjmsr-2210	223	5	hypothesis	hypothesis	NOUN
bjmsr-2210	223	6	(	(	PUNCT
bjmsr-2210	223	7	h5	h5	PROPN
bjmsr-2210	223	8	)	)	PUNCT
bjmsr-2210	223	9	is	be	AUX
bjmsr-2210	223	10	rejected	reject	VERB
bjmsr-2210	223	11	for	for	ADP
bjmsr-2210	223	12	the	the	DET
bjmsr-2210	223	13	age	age	NOUN
bjmsr-2210	223	14	and	and	CCONJ
bjmsr-2210	223	15	benefits	benefit	NOUN
bjmsr-2210	223	16	of	of	ADP
bjmsr-2210	223	17	smb	smb	NOUN
bjmsr-2210	223	18	.	.	PUNCT
bjmsr-2210	224	1	the	the	DET
bjmsr-2210	224	2	mean	mean	ADJ
bjmsr-2210	224	3	scores	score	NOUN
bjmsr-2210	224	4	of	of	ADP
bjmsr-2210	224	5	the	the	DET
bjmsr-2210	224	6	younger	young	ADJ
bjmsr-2210	224	7	age	age	NOUN
bjmsr-2210	224	8	categories	category	NOUN
bjmsr-2210	224	9	,	,	PUNCT
bjmsr-2210	224	10	such	such	ADJ
bjmsr-2210	224	11	as	as	ADP
bjmsr-2210	224	12	those	those	PRON
bjmsr-2210	224	13	below	below	ADP
bjmsr-2210	224	14	25	25	NUM
bjmsr-2210	224	15	and	and	CCONJ
bjmsr-2210	224	16	25	25	NUM
bjmsr-2210	224	17	to	to	PART
bjmsr-2210	224	18	35	35	NUM
bjmsr-2210	224	19	,	,	PUNCT
bjmsr-2210	224	20	are	be	AUX
bjmsr-2210	224	21	more	more	ADJ
bjmsr-2210	224	22	than	than	ADP
bjmsr-2210	224	23	the	the	DET
bjmsr-2210	224	24	other	other	ADJ
bjmsr-2210	224	25	three	three	NUM
bjmsr-2210	224	26	age	age	NOUN
bjmsr-2210	224	27	group	group	NOUN
bjmsr-2210	224	28	categories	category	NOUN
bjmsr-2210	224	29	.	.	PUNCT
bjmsr-2210	225	1	the	the	DET
bjmsr-2210	225	2	banker	banker	NOUN
bjmsr-2210	225	3	's	's	PART
bjmsr-2210	225	4	educational	educational	ADJ
bjmsr-2210	225	5	qualification	qualification	NOUN
bjmsr-2210	225	6	does	do	AUX
bjmsr-2210	225	7	not	not	PART
bjmsr-2210	225	8	influence	influence	VERB
bjmsr-2210	225	9	the	the	DET
bjmsr-2210	225	10	benefits	benefit	NOUN
bjmsr-2210	225	11	of	of	ADP
bjmsr-2210	225	12	smb	smb	NOUN
bjmsr-2210	225	13	.	.	PUNCT
bjmsr-2210	226	1	so	so	ADV
bjmsr-2210	226	2	,	,	PUNCT
bjmsr-2210	226	3	the	the	DET
bjmsr-2210	226	4	null	null	ADJ
bjmsr-2210	226	5	hypothesis	hypothesis	NOUN
bjmsr-2210	226	6	(	(	PUNCT
bjmsr-2210	226	7	h5	h5	PROPN
bjmsr-2210	226	8	)	)	PUNCT
bjmsr-2210	226	9	is	be	AUX
bjmsr-2210	226	10	accepted	accept	VERB
bjmsr-2210	226	11	for	for	ADP
bjmsr-2210	226	12	the	the	DET
bjmsr-2210	226	13	benefits	benefit	NOUN
bjmsr-2210	226	14	of	of	ADP
bjmsr-2210	226	15	smb	smb	NOUN
bjmsr-2210	226	16	with	with	ADP
bjmsr-2210	226	17	the	the	DET
bjmsr-2210	226	18	educational	educational	ADJ
bjmsr-2210	226	19	qualification	qualification	NOUN
bjmsr-2210	226	20	of	of	ADP
bjmsr-2210	226	21	the	the	DET
bjmsr-2210	226	22	bankers	banker	NOUN
bjmsr-2210	226	23	.	.	PUNCT
bjmsr-2210	227	1	then	then	ADV
bjmsr-2210	227	2	,	,	PUNCT
bjmsr-2210	227	3	the	the	DET
bjmsr-2210	227	4	banker	banker	NOUN
bjmsr-2210	227	5	's	's	PART
bjmsr-2210	227	6	designation	designation	NOUN
bjmsr-2210	227	7	also	also	ADV
bjmsr-2210	227	8	does	do	AUX
bjmsr-2210	227	9	not	not	PART
bjmsr-2210	227	10	influence	influence	VERB
bjmsr-2210	227	11	the	the	DET
bjmsr-2210	227	12	benefits	benefit	NOUN
bjmsr-2210	227	13	of	of	ADP
bjmsr-2210	227	14	smb	smb	NOUN
bjmsr-2210	227	15	.	.	PUNCT
bjmsr-2210	228	1	so	so	ADV
bjmsr-2210	228	2	,	,	PUNCT
bjmsr-2210	228	3	the	the	DET
bjmsr-2210	228	4	null	null	ADJ
bjmsr-2210	228	5	hypothesis	hypothesis	NOUN
bjmsr-2210	228	6	(	(	PUNCT
bjmsr-2210	228	7	h5	h5	PROPN
bjmsr-2210	228	8	)	)	PUNCT
bjmsr-2210	228	9	can	can	AUX
bjmsr-2210	228	10	not	not	PART
bjmsr-2210	228	11	be	be	AUX
bjmsr-2210	228	12	rejected	reject	VERB
bjmsr-2210	228	13	for	for	ADP
bjmsr-2210	228	14	the	the	DET
bjmsr-2210	228	15	benefits	benefit	NOUN
bjmsr-2210	228	16	of	of	ADP
bjmsr-2210	228	17	smb	smb	NOUN
bjmsr-2210	228	18	with	with	ADP
bjmsr-2210	228	19	the	the	DET
bjmsr-2210	228	20	designation	designation	NOUN
bjmsr-2210	228	21	of	of	ADP
bjmsr-2210	228	22	the	the	DET
bjmsr-2210	228	23	bankers	banker	NOUN
bjmsr-2210	228	24	.	.	PUNCT
bjmsr-2210	229	1	ramasamy	ramasamy	VERB
bjmsr-2210	229	2	et	et	PROPN
bjmsr-2210	229	3	al	al	PROPN
bjmsr-2210	229	4	.	.	PROPN
bjmsr-2210	229	5	,	,	PUNCT
bjmsr-2210	229	6	bangladesh	bangladesh	PROPN
bjmsr-2210	229	7	journal	journal	NOUN
bjmsr-2210	229	8	of	of	ADP
bjmsr-2210	229	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	229	10	scientific	scientific	ADJ
bjmsr-2210	229	11	research	research	NOUN
bjmsr-2210	229	12	9(2	9(2	NUM
bjmsr-2210	229	13	)	)	PUNCT
bjmsr-2210	229	14	(	(	PUNCT
bjmsr-2210	229	15	2024	2024	NUM
bjmsr-2210	229	16	)	)	PUNCT
bjmsr-2210	229	17	,	,	PUNCT
bjmsr-2210	229	18	1	1	NUM
bjmsr-2210	229	19	-	-	SYM
bjmsr-2210	229	20	9	9	NUM
bjmsr-2210	229	21	8	8	NUM
bjmsr-2210	229	22	the	the	DET
bjmsr-2210	229	23	experience	experience	NOUN
bjmsr-2210	229	24	of	of	ADP
bjmsr-2210	229	25	bankers	banker	NOUN
bjmsr-2210	229	26	with	with	ADP
bjmsr-2210	229	27	the	the	DET
bjmsr-2210	229	28	benefits	benefit	NOUN
bjmsr-2210	229	29	of	of	ADP
bjmsr-2210	229	30	smb	smb	PROPN
bjmsr-2210	229	31	has	have	AUX
bjmsr-2210	229	32	had	have	VERB
bjmsr-2210	229	33	significant	significant	ADJ
bjmsr-2210	229	34	results	result	NOUN
bjmsr-2210	229	35	.	.	PUNCT
bjmsr-2210	230	1	so	so	ADV
bjmsr-2210	230	2	,	,	PUNCT
bjmsr-2210	230	3	the	the	DET
bjmsr-2210	230	4	null	null	ADJ
bjmsr-2210	230	5	hypothesis	hypothesis	NOUN
bjmsr-2210	230	6	(	(	PUNCT
bjmsr-2210	230	7	h5	h5	PROPN
bjmsr-2210	230	8	)	)	PUNCT
bjmsr-2210	230	9	is	be	AUX
bjmsr-2210	230	10	rejected	reject	VERB
bjmsr-2210	230	11	.	.	PUNCT
bjmsr-2210	231	1	bankers	banker	NOUN
bjmsr-2210	231	2	with	with	ADP
bjmsr-2210	231	3	more	more	ADJ
bjmsr-2210	231	4	experience	experience	NOUN
bjmsr-2210	231	5	have	have	VERB
bjmsr-2210	231	6	lower	low	ADJ
bjmsr-2210	231	7	mean	mean	ADJ
bjmsr-2210	231	8	scores	score	NOUN
bjmsr-2210	231	9	,	,	PUNCT
bjmsr-2210	231	10	which	which	PRON
bjmsr-2210	231	11	reveals	reveal	VERB
bjmsr-2210	231	12	that	that	SCONJ
bjmsr-2210	231	13	less	less	ADV
bjmsr-2210	231	14	experienced	experienced	ADJ
bjmsr-2210	231	15	bankers	banker	NOUN
bjmsr-2210	231	16	feel	feel	VERB
bjmsr-2210	231	17	there	there	PRON
bjmsr-2210	231	18	are	be	VERB
bjmsr-2210	231	19	more	more	ADJ
bjmsr-2210	231	20	benefits	benefit	NOUN
bjmsr-2210	231	21	of	of	ADP
bjmsr-2210	231	22	smb	smb	NOUN
bjmsr-2210	231	23	than	than	ADP
bjmsr-2210	231	24	bankers	banker	NOUN
bjmsr-2210	231	25	with	with	ADP
bjmsr-2210	231	26	higher	high	ADJ
bjmsr-2210	231	27	experience	experience	NOUN
bjmsr-2210	231	28	.	.	PUNCT
bjmsr-2210	232	1	age	age	NOUN
bjmsr-2210	232	2	influences	influence	VERB
bjmsr-2210	232	3	the	the	DET
bjmsr-2210	232	4	challenges	challenge	NOUN
bjmsr-2210	232	5	of	of	ADP
bjmsr-2210	232	6	smb	smb	NOUN
bjmsr-2210	232	7	.	.	PUNCT
bjmsr-2210	233	1	so	so	ADV
bjmsr-2210	233	2	,	,	PUNCT
bjmsr-2210	233	3	the	the	DET
bjmsr-2210	233	4	null	null	ADJ
bjmsr-2210	233	5	hypothesis	hypothesis	NOUN
bjmsr-2210	233	6	(	(	PUNCT
bjmsr-2210	233	7	h6	h6	PROPN
bjmsr-2210	233	8	)	)	PUNCT
bjmsr-2210	233	9	is	be	AUX
bjmsr-2210	233	10	rejected	reject	VERB
bjmsr-2210	233	11	for	for	ADP
bjmsr-2210	233	12	age	age	NOUN
bjmsr-2210	233	13	with	with	ADP
bjmsr-2210	233	14	challenges	challenge	NOUN
bjmsr-2210	233	15	of	of	ADP
bjmsr-2210	233	16	smb	smb	NOUN
bjmsr-2210	233	17	.	.	PUNCT
bjmsr-2210	234	1	the	the	DET
bjmsr-2210	234	2	mean	mean	ADJ
bjmsr-2210	234	3	scores	score	NOUN
bjmsr-2210	234	4	of	of	ADP
bjmsr-2210	234	5	25	25	NUM
bjmsr-2210	234	6	to	to	PART
bjmsr-2210	234	7	35	35	NUM
bjmsr-2210	234	8	are	be	AUX
bjmsr-2210	234	9	more	more	ADJ
bjmsr-2210	234	10	than	than	ADP
bjmsr-2210	234	11	the	the	DET
bjmsr-2210	234	12	other	other	ADJ
bjmsr-2210	234	13	four	four	NUM
bjmsr-2210	234	14	age	age	NOUN
bjmsr-2210	234	15	group	group	NOUN
bjmsr-2210	234	16	categories	category	NOUN
bjmsr-2210	234	17	.	.	PUNCT
bjmsr-2210	235	1	this	this	DET
bjmsr-2210	235	2	difference	difference	NOUN
bjmsr-2210	235	3	is	be	AUX
bjmsr-2210	235	4	because	because	SCONJ
bjmsr-2210	235	5	of	of	ADP
bjmsr-2210	235	6	bankers	banker	NOUN
bjmsr-2210	235	7	with	with	ADP
bjmsr-2210	235	8	new	new	ADJ
bjmsr-2210	235	9	entry	entry	NOUN
bjmsr-2210	235	10	into	into	ADP
bjmsr-2210	235	11	the	the	DET
bjmsr-2210	235	12	bank	bank	NOUN
bjmsr-2210	235	13	and	and	CCONJ
bjmsr-2210	235	14	more	more	ADJ
bjmsr-2210	235	15	than	than	ADP
bjmsr-2210	235	16	35	35	NUM
bjmsr-2210	235	17	-	-	PUNCT
bjmsr-2210	235	18	year	year	NOUN
bjmsr-2210	235	19	-	-	PUNCT
bjmsr-2210	235	20	old	old	ADJ
bjmsr-2210	235	21	bankers	banker	NOUN
bjmsr-2210	235	22	.	.	PUNCT
bjmsr-2210	236	1	bankers	banker	NOUN
bjmsr-2210	236	2	with	with	ADP
bjmsr-2210	236	3	educational	educational	ADJ
bjmsr-2210	236	4	qualifications	qualification	NOUN
bjmsr-2210	236	5	do	do	AUX
bjmsr-2210	236	6	not	not	PART
bjmsr-2210	236	7	influence	influence	VERB
bjmsr-2210	236	8	the	the	DET
bjmsr-2210	236	9	challenges	challenge	NOUN
bjmsr-2210	236	10	of	of	ADP
bjmsr-2210	236	11	smb	smb	NOUN
bjmsr-2210	236	12	.	.	PUNCT
bjmsr-2210	237	1	so	so	ADV
bjmsr-2210	237	2	,	,	PUNCT
bjmsr-2210	237	3	the	the	DET
bjmsr-2210	237	4	null	null	ADJ
bjmsr-2210	237	5	hypothesis	hypothesis	NOUN
bjmsr-2210	237	6	(	(	PUNCT
bjmsr-2210	237	7	h6	h6	PROPN
bjmsr-2210	237	8	)	)	PUNCT
bjmsr-2210	237	9	is	be	AUX
bjmsr-2210	237	10	accepted	accept	VERB
bjmsr-2210	237	11	for	for	ADP
bjmsr-2210	237	12	the	the	DET
bjmsr-2210	237	13	challenges	challenge	NOUN
bjmsr-2210	237	14	of	of	ADP
bjmsr-2210	237	15	smb	smb	NOUN
bjmsr-2210	237	16	with	with	ADP
bjmsr-2210	237	17	the	the	DET
bjmsr-2210	237	18	educational	educational	ADJ
bjmsr-2210	237	19	qualification	qualification	NOUN
bjmsr-2210	237	20	of	of	ADP
bjmsr-2210	237	21	the	the	DET
bjmsr-2210	237	22	bankers	banker	NOUN
bjmsr-2210	237	23	.	.	PUNCT
bjmsr-2210	238	1	then	then	ADV
bjmsr-2210	238	2	,	,	PUNCT
bjmsr-2210	238	3	the	the	DET
bjmsr-2210	238	4	designation	designation	NOUN
bjmsr-2210	238	5	of	of	ADP
bjmsr-2210	238	6	bankers	banker	NOUN
bjmsr-2210	238	7	influences	influence	VERB
bjmsr-2210	238	8	the	the	DET
bjmsr-2210	238	9	challenges	challenge	NOUN
bjmsr-2210	238	10	faced	face	VERB
bjmsr-2210	238	11	by	by	ADP
bjmsr-2210	238	12	smb	smb	PROPN
bjmsr-2210	238	13	.	.	PUNCT
bjmsr-2210	239	1	so	so	ADV
bjmsr-2210	239	2	,	,	PUNCT
bjmsr-2210	239	3	the	the	DET
bjmsr-2210	239	4	null	null	ADJ
bjmsr-2210	239	5	hypothesis	hypothesis	NOUN
bjmsr-2210	239	6	(	(	PUNCT
bjmsr-2210	239	7	h6	h6	PROPN
bjmsr-2210	239	8	)	)	PUNCT
bjmsr-2210	239	9	is	be	AUX
bjmsr-2210	239	10	rejected	reject	VERB
bjmsr-2210	239	11	for	for	ADP
bjmsr-2210	239	12	the	the	DET
bjmsr-2210	239	13	challenges	challenge	NOUN
bjmsr-2210	239	14	of	of	ADP
bjmsr-2210	239	15	smb	smb	NOUN
bjmsr-2210	239	16	with	with	ADP
bjmsr-2210	239	17	the	the	DET
bjmsr-2210	239	18	designation	designation	NOUN
bjmsr-2210	239	19	of	of	ADP
bjmsr-2210	239	20	the	the	DET
bjmsr-2210	239	21	bankers	banker	NOUN
bjmsr-2210	239	22	.	.	PUNCT
bjmsr-2210	240	1	officer	officer	PROPN
bjmsr-2210	240	2	cadre	cadre	PROPN
bjmsr-2210	240	3	bankers	banker	NOUN
bjmsr-2210	240	4	feel	feel	VERB
bjmsr-2210	240	5	there	there	PRON
bjmsr-2210	240	6	are	be	VERB
bjmsr-2210	240	7	fewer	few	ADJ
bjmsr-2210	240	8	challenges	challenge	NOUN
bjmsr-2210	240	9	in	in	ADP
bjmsr-2210	240	10	smb	smb	NOUN
bjmsr-2210	240	11	than	than	ADP
bjmsr-2210	240	12	clerks	clerk	NOUN
bjmsr-2210	240	13	and	and	CCONJ
bjmsr-2210	240	14	managers	manager	NOUN
bjmsr-2210	240	15	.	.	PUNCT
bjmsr-2210	241	1	the	the	DET
bjmsr-2210	241	2	bankers	banker	NOUN
bjmsr-2210	241	3	'	'	PART
bjmsr-2210	241	4	experience	experience	NOUN
bjmsr-2210	241	5	with	with	ADP
bjmsr-2210	241	6	smb	smb	NOUN
bjmsr-2210	241	7	challenges	challenge	NOUN
bjmsr-2210	241	8	is	be	AUX
bjmsr-2210	241	9	significantly	significantly	ADV
bjmsr-2210	241	10	influential	influential	ADJ
bjmsr-2210	241	11	.	.	PUNCT
bjmsr-2210	242	1	so	so	ADV
bjmsr-2210	242	2	,	,	PUNCT
bjmsr-2210	242	3	the	the	DET
bjmsr-2210	242	4	null	null	ADJ
bjmsr-2210	242	5	hypothesis	hypothesis	NOUN
bjmsr-2210	242	6	(	(	PUNCT
bjmsr-2210	242	7	h6	h6	PROPN
bjmsr-2210	242	8	)	)	PUNCT
bjmsr-2210	242	9	is	be	AUX
bjmsr-2210	242	10	rejected	reject	VERB
bjmsr-2210	242	11	.	.	PUNCT
bjmsr-2210	243	1	bankers	banker	NOUN
bjmsr-2210	243	2	with	with	ADP
bjmsr-2210	243	3	more	more	ADJ
bjmsr-2210	243	4	experience	experience	NOUN
bjmsr-2210	243	5	have	have	VERB
bjmsr-2210	243	6	higher	high	ADJ
bjmsr-2210	243	7	mean	mean	ADJ
bjmsr-2210	243	8	scores	score	NOUN
bjmsr-2210	243	9	,	,	PUNCT
bjmsr-2210	243	10	which	which	PRON
bjmsr-2210	243	11	reveals	reveal	VERB
bjmsr-2210	243	12	that	that	SCONJ
bjmsr-2210	243	13	less	less	ADV
bjmsr-2210	243	14	experienced	experienced	ADJ
bjmsr-2210	243	15	bankers	banker	NOUN
bjmsr-2210	243	16	feel	feel	VERB
bjmsr-2210	243	17	that	that	SCONJ
bjmsr-2210	243	18	smb	smb	NOUN
bjmsr-2210	243	19	's	's	PART
bjmsr-2210	243	20	challenges	challenge	NOUN
bjmsr-2210	243	21	are	be	AUX
bjmsr-2210	243	22	less	less	ADJ
bjmsr-2210	243	23	than	than	ADP
bjmsr-2210	243	24	experienced	experienced	ADJ
bjmsr-2210	243	25	bankers	banker	NOUN
bjmsr-2210	243	26	.	.	PUNCT
bjmsr-2210	244	1	conclusions	conclusion	NOUN
bjmsr-2210	244	2	adopting	adopt	VERB
bjmsr-2210	244	3	ict	ict	NOUN
bjmsr-2210	244	4	-	-	PUNCT
bjmsr-2210	244	5	enabled	enable	VERB
bjmsr-2210	244	6	services	service	NOUN
bjmsr-2210	244	7	has	have	AUX
bjmsr-2210	244	8	become	become	VERB
bjmsr-2210	244	9	the	the	DET
bjmsr-2210	244	10	need	need	NOUN
bjmsr-2210	244	11	of	of	ADP
bjmsr-2210	244	12	the	the	DET
bjmsr-2210	244	13	hour	hour	NOUN
bjmsr-2210	244	14	for	for	ADP
bjmsr-2210	244	15	all	all	DET
bjmsr-2210	244	16	industries	industry	NOUN
bjmsr-2210	244	17	,	,	PUNCT
bjmsr-2210	244	18	and	and	CCONJ
bjmsr-2210	244	19	the	the	DET
bjmsr-2210	244	20	banking	banking	NOUN
bjmsr-2210	244	21	industry	industry	NOUN
bjmsr-2210	244	22	is	be	AUX
bjmsr-2210	244	23	no	no	DET
bjmsr-2210	244	24	exception	exception	NOUN
bjmsr-2210	244	25	.	.	PUNCT
bjmsr-2210	245	1	in	in	ADP
bjmsr-2210	245	2	line	line	NOUN
bjmsr-2210	245	3	with	with	ADP
bjmsr-2210	245	4	this	this	PRON
bjmsr-2210	245	5	,	,	PUNCT
bjmsr-2210	245	6	banks	bank	NOUN
bjmsr-2210	245	7	are	be	AUX
bjmsr-2210	245	8	focusing	focus	VERB
bjmsr-2210	245	9	more	more	ADV
bjmsr-2210	245	10	on	on	ADP
bjmsr-2210	245	11	social	social	ADJ
bjmsr-2210	245	12	media	medium	NOUN
bjmsr-2210	245	13	banking	banking	NOUN
bjmsr-2210	245	14	to	to	PART
bjmsr-2210	245	15	sustain	sustain	VERB
bjmsr-2210	245	16	themselves	themselves	PRON
bjmsr-2210	245	17	in	in	ADP
bjmsr-2210	245	18	this	this	DET
bjmsr-2210	245	19	competitive	competitive	ADJ
bjmsr-2210	245	20	world	world	NOUN
bjmsr-2210	245	21	and	and	CCONJ
bjmsr-2210	245	22	win	win	VERB
bjmsr-2210	245	23	over	over	ADP
bjmsr-2210	245	24	customers	customer	NOUN
bjmsr-2210	245	25	'	'	PART
bjmsr-2210	245	26	confidence	confidence	NOUN
bjmsr-2210	245	27	.	.	PUNCT
bjmsr-2210	246	1	the	the	DET
bjmsr-2210	246	2	study	study	NOUN
bjmsr-2210	246	3	concludes	conclude	VERB
bjmsr-2210	246	4	that	that	SCONJ
bjmsr-2210	246	5	the	the	DET
bjmsr-2210	246	6	adoption	adoption	NOUN
bjmsr-2210	246	7	of	of	ADP
bjmsr-2210	246	8	social	social	ADJ
bjmsr-2210	246	9	media	medium	NOUN
bjmsr-2210	246	10	among	among	ADP
bjmsr-2210	246	11	indian	indian	ADJ
bjmsr-2210	246	12	commercial	commercial	ADJ
bjmsr-2210	246	13	banks	bank	NOUN
bjmsr-2210	246	14	is	be	AUX
bjmsr-2210	246	15	nascent	nascent	ADJ
bjmsr-2210	246	16	;	;	PUNCT
bjmsr-2210	246	17	the	the	DET
bjmsr-2210	246	18	study	study	NOUN
bjmsr-2210	246	19	found	find	VERB
bjmsr-2210	246	20	that	that	SCONJ
bjmsr-2210	246	21	banks	bank	NOUN
bjmsr-2210	246	22	are	be	AUX
bjmsr-2210	246	23	adopting	adopt	VERB
bjmsr-2210	246	24	social	social	ADJ
bjmsr-2210	246	25	media	medium	NOUN
bjmsr-2210	246	26	for	for	ADP
bjmsr-2210	246	27	numerous	numerous	ADJ
bjmsr-2210	246	28	reasons	reason	NOUN
bjmsr-2210	246	29	,	,	PUNCT
bjmsr-2210	246	30	including	include	VERB
bjmsr-2210	246	31	prioritizing	prioritize	VERB
bjmsr-2210	246	32	customer	customer	NOUN
bjmsr-2210	246	33	relationships	relationship	NOUN
bjmsr-2210	246	34	,	,	PUNCT
bjmsr-2210	246	35	brand	brand	NOUN
bjmsr-2210	246	36	strengthening	strengthening	NOUN
bjmsr-2210	246	37	,	,	PUNCT
bjmsr-2210	246	38	and	and	CCONJ
bjmsr-2210	246	39	advertisement	advertisement	NOUN
bjmsr-2210	246	40	expense	expense	NOUN
bjmsr-2210	246	41	reduction	reduction	NOUN
bjmsr-2210	246	42	.	.	PUNCT
bjmsr-2210	247	1	also	also	ADV
bjmsr-2210	247	2	,	,	PUNCT
bjmsr-2210	247	3	the	the	DET
bjmsr-2210	247	4	bankers	banker	NOUN
bjmsr-2210	247	5	'	'	PART
bjmsr-2210	247	6	perspectives	perspective	NOUN
bjmsr-2210	247	7	on	on	ADP
bjmsr-2210	247	8	adopting	adopt	VERB
bjmsr-2210	247	9	smb	smb	NOUN
bjmsr-2210	247	10	revealed	reveal	VERB
bjmsr-2210	247	11	that	that	SCONJ
bjmsr-2210	247	12	the	the	DET
bjmsr-2210	247	13	challenges	challenge	NOUN
bjmsr-2210	247	14	of	of	ADP
bjmsr-2210	247	15	smb	smb	NOUN
bjmsr-2210	247	16	are	be	AUX
bjmsr-2210	247	17	more	more	ADJ
bjmsr-2210	247	18	than	than	ADP
bjmsr-2210	247	19	the	the	DET
bjmsr-2210	247	20	benefits	benefit	NOUN
bjmsr-2210	247	21	.	.	PUNCT
bjmsr-2210	248	1	though	though	SCONJ
bjmsr-2210	248	2	the	the	DET
bjmsr-2210	248	3	banks	bank	NOUN
bjmsr-2210	248	4	adopting	adopt	VERB
bjmsr-2210	248	5	smbs	smb	NOUN
bjmsr-2210	248	6	face	face	VERB
bjmsr-2210	248	7	challenges	challenge	NOUN
bjmsr-2210	248	8	,	,	PUNCT
bjmsr-2210	248	9	the	the	DET
bjmsr-2210	248	10	benefits	benefit	NOUN
bjmsr-2210	248	11	of	of	ADP
bjmsr-2210	248	12	adopting	adopt	VERB
bjmsr-2210	248	13	smbs	smb	NOUN
bjmsr-2210	248	14	are	be	AUX
bjmsr-2210	248	15	multifold	multifold	ADJ
bjmsr-2210	248	16	.	.	PUNCT
bjmsr-2210	249	1	this	this	DET
bjmsr-2210	249	2	study	study	NOUN
bjmsr-2210	249	3	is	be	AUX
bjmsr-2210	249	4	beneficial	beneficial	ADJ
bjmsr-2210	249	5	to	to	ADP
bjmsr-2210	249	6	the	the	DET
bjmsr-2210	249	7	customers	customer	NOUN
bjmsr-2210	249	8	,	,	PUNCT
bjmsr-2210	249	9	banks	bank	NOUN
bjmsr-2210	249	10	and	and	CCONJ
bjmsr-2210	249	11	regulators	regulator	NOUN
bjmsr-2210	249	12	to	to	PART
bjmsr-2210	249	13	understand	understand	VERB
bjmsr-2210	249	14	the	the	DET
bjmsr-2210	249	15	perspectives	perspective	NOUN
bjmsr-2210	249	16	on	on	ADP
bjmsr-2210	249	17	the	the	DET
bjmsr-2210	249	18	benefits	benefit	NOUN
bjmsr-2210	249	19	and	and	CCONJ
bjmsr-2210	249	20	challenges	challenge	NOUN
bjmsr-2210	249	21	of	of	ADP
bjmsr-2210	249	22	smb	smb	NOUN
bjmsr-2210	249	23	.	.	PUNCT
bjmsr-2210	250	1	the	the	DET
bjmsr-2210	250	2	study	study	NOUN
bjmsr-2210	250	3	considered	consider	VERB
bjmsr-2210	250	4	only	only	ADV
bjmsr-2210	250	5	indian	indian	ADJ
bjmsr-2210	250	6	commercial	commercial	ADJ
bjmsr-2210	250	7	banks	bank	NOUN
bjmsr-2210	250	8	which	which	PRON
bjmsr-2210	250	9	are	be	AUX
bjmsr-2210	250	10	adopting	adopt	VERB
bjmsr-2210	250	11	smb	smb	NOUN
bjmsr-2210	250	12	.	.	PUNCT
bjmsr-2210	251	1	future	future	ADJ
bjmsr-2210	251	2	studies	study	NOUN
bjmsr-2210	251	3	can	can	AUX
bjmsr-2210	251	4	focus	focus	VERB
bjmsr-2210	251	5	on	on	ADP
bjmsr-2210	251	6	incorporating	incorporate	VERB
bjmsr-2210	251	7	foreign	foreign	ADJ
bjmsr-2210	251	8	banks	bank	NOUN
bjmsr-2210	251	9	'	'	PART
bjmsr-2210	251	10	adoption	adoption	NOUN
bjmsr-2210	251	11	,	,	PUNCT
bjmsr-2210	251	12	benefits	benefit	NOUN
bjmsr-2210	251	13	and	and	CCONJ
bjmsr-2210	251	14	challenges	challenge	NOUN
bjmsr-2210	251	15	of	of	ADP
bjmsr-2210	251	16	smb	smb	NOUN
bjmsr-2210	251	17	and	and	CCONJ
bjmsr-2210	251	18	also	also	ADV
bjmsr-2210	251	19	a	a	DET
bjmsr-2210	251	20	comparative	comparative	ADJ
bjmsr-2210	251	21	study	study	NOUN
bjmsr-2210	251	22	on	on	ADP
bjmsr-2210	251	23	the	the	DET
bjmsr-2210	251	24	different	different	ADJ
bjmsr-2210	251	25	platforms	platform	NOUN
bjmsr-2210	251	26	of	of	ADP
bjmsr-2210	251	27	smb	smb	PROPN
bjmsr-2210	251	28	,	,	PUNCT
bjmsr-2210	251	29	i.e.	i.e.	X
bjmsr-2210	251	30	,	,	PUNCT
bjmsr-2210	251	31	facebook	facebook	NOUN
bjmsr-2210	251	32	,	,	PUNCT
bjmsr-2210	251	33	twitter	twitter	NOUN
bjmsr-2210	251	34	,	,	PUNCT
bjmsr-2210	251	35	whatsapp	whatsapp	NOUN
bjmsr-2210	251	36	,	,	PUNCT
bjmsr-2210	251	37	etc	etc	X
bjmsr-2210	251	38	.	.	X
bjmsr-2210	251	39	,	,	PUNCT
bjmsr-2210	251	40	concerning	concern	VERB
bjmsr-2210	251	41	adoption	adoption	NOUN
bjmsr-2210	251	42	,	,	PUNCT
bjmsr-2210	251	43	benefits	benefit	NOUN
bjmsr-2210	251	44	and	and	CCONJ
bjmsr-2210	251	45	challenges	challenge	NOUN
bjmsr-2210	251	46	of	of	ADP
bjmsr-2210	251	47	smb	smb	NOUN
bjmsr-2210	251	48	.	.	PUNCT
bjmsr-2210	252	1	this	this	DET
bjmsr-2210	252	2	study	study	NOUN
bjmsr-2210	252	3	furnishes	furnish	VERB
bjmsr-2210	252	4	the	the	DET
bjmsr-2210	252	5	theoretical	theoretical	ADJ
bjmsr-2210	252	6	implications	implication	NOUN
bjmsr-2210	252	7	of	of	ADP
bjmsr-2210	252	8	introducing	introduce	VERB
bjmsr-2210	252	9	a	a	DET
bjmsr-2210	252	10	new	new	ADJ
bjmsr-2210	252	11	concept	concept	NOUN
bjmsr-2210	252	12	,	,	PUNCT
bjmsr-2210	252	13	social	social	ADJ
bjmsr-2210	252	14	media	medium	NOUN
bjmsr-2210	252	15	banking	banking	NOUN
bjmsr-2210	252	16	,	,	PUNCT
bjmsr-2210	252	17	to	to	PART
bjmsr-2210	252	18	research	research	NOUN
bjmsr-2210	252	19	groups	group	NOUN
bjmsr-2210	252	20	in	in	ADP
bjmsr-2210	252	21	india	india	PROPN
bjmsr-2210	252	22	.	.	PUNCT
bjmsr-2210	253	1	the	the	DET
bjmsr-2210	253	2	detailed	detailed	ADJ
bjmsr-2210	253	3	benefits	benefit	NOUN
bjmsr-2210	253	4	and	and	CCONJ
bjmsr-2210	253	5	challenges	challenge	NOUN
bjmsr-2210	253	6	of	of	ADP
bjmsr-2210	253	7	social	social	ADJ
bjmsr-2210	253	8	media	medium	NOUN
bjmsr-2210	253	9	banking	banking	NOUN
bjmsr-2210	253	10	support	support	VERB
bjmsr-2210	253	11	the	the	DET
bjmsr-2210	253	12	literature	literature	NOUN
bjmsr-2210	253	13	regarding	regard	VERB
bjmsr-2210	253	14	the	the	DET
bjmsr-2210	253	15	concept	concept	NOUN
bjmsr-2210	253	16	of	of	ADP
bjmsr-2210	253	17	social	social	ADJ
bjmsr-2210	253	18	media	medium	NOUN
bjmsr-2210	253	19	banking	banking	NOUN
bjmsr-2210	253	20	in	in	ADP
bjmsr-2210	253	21	india	india	PROPN
bjmsr-2210	253	22	.	.	PUNCT
bjmsr-2210	254	1	in	in	ADP
bjmsr-2210	254	2	terms	term	NOUN
bjmsr-2210	254	3	of	of	ADP
bjmsr-2210	254	4	practical	practical	ADJ
bjmsr-2210	254	5	implications	implication	NOUN
bjmsr-2210	254	6	,	,	PUNCT
bjmsr-2210	254	7	the	the	DET
bjmsr-2210	254	8	study	study	NOUN
bjmsr-2210	254	9	provides	provide	VERB
bjmsr-2210	254	10	policy	policy	NOUN
bjmsr-2210	254	11	implications	implication	NOUN
bjmsr-2210	254	12	for	for	ADP
bjmsr-2210	254	13	regulators	regulator	NOUN
bjmsr-2210	254	14	and	and	CCONJ
bjmsr-2210	254	15	banks	bank	NOUN
bjmsr-2210	254	16	to	to	PART
bjmsr-2210	254	17	implement	implement	VERB
bjmsr-2210	254	18	the	the	DET
bjmsr-2210	254	19	generalized	generalized	ADJ
bjmsr-2210	254	20	framework	framework	NOUN
bjmsr-2210	254	21	and	and	CCONJ
bjmsr-2210	254	22	guidelines	guideline	NOUN
bjmsr-2210	254	23	on	on	ADP
bjmsr-2210	254	24	social	social	ADJ
bjmsr-2210	254	25	media	medium	NOUN
bjmsr-2210	254	26	banking	banking	NOUN
bjmsr-2210	254	27	.	.	PUNCT
bjmsr-2210	255	1	author	author	NOUN
bjmsr-2210	255	2	contributions	contribution	NOUN
bjmsr-2210	255	3	:	:	PUNCT
bjmsr-2210	255	4	conceptualization	conceptualization	NOUN
bjmsr-2210	255	5	,	,	PUNCT
bjmsr-2210	255	6	m.r	m.r	PROPN
bjmsr-2210	255	7	.	.	PROPN
bjmsr-2210	255	8	and	and	CCONJ
bjmsr-2210	255	9	j.s	j.s	PROPN
bjmsr-2210	255	10	.	.	PROPN
bjmsr-2210	255	11	;	;	PUNCT
bjmsr-2210	255	12	methodology	methodology	NOUN
bjmsr-2210	255	13	,	,	PUNCT
bjmsr-2210	255	14	m.r	m.r	PROPN
bjmsr-2210	255	15	.	.	PROPN
bjmsr-2210	255	16	;	;	PUNCT
bjmsr-2210	255	17	software	software	NOUN
bjmsr-2210	255	18	,	,	PUNCT
bjmsr-2210	255	19	m.r	m.r	PROPN
bjmsr-2210	255	20	.	.	PROPN
bjmsr-2210	255	21	,	,	PUNCT
bjmsr-2210	255	22	j.s	j.s	PROPN
bjmsr-2210	255	23	.	.	PROPN
bjmsr-2210	255	24	,	,	PUNCT
bjmsr-2210	255	25	d.b	d.b	PROPN
bjmsr-2210	255	26	.	.	PROPN
bjmsr-2210	255	27	and	and	CCONJ
bjmsr-2210	255	28	p.r	p.r	PROPN
bjmsr-2210	255	29	.	.	PROPN
bjmsr-2210	255	30	;	;	PUNCT
bjmsr-2210	256	1	validation	validation	NOUN
bjmsr-2210	256	2	,	,	PUNCT
bjmsr-2210	256	3	j.s	j.s	PROPN
bjmsr-2210	256	4	.	.	PROPN
bjmsr-2210	256	5	and	and	CCONJ
bjmsr-2210	256	6	d.b	d.b	PROPN
bjmsr-2210	256	7	.	.	PROPN
bjmsr-2210	256	8	;	;	PUNCT
bjmsr-2210	256	9	formal	formal	ADJ
bjmsr-2210	256	10	analysis	analysis	NOUN
bjmsr-2210	256	11	,	,	PUNCT
bjmsr-2210	256	12	m.r	m.r	PROPN
bjmsr-2210	256	13	.	.	PROPN
bjmsr-2210	256	14	,	,	PUNCT
bjmsr-2210	256	15	j.s	j.s	PROPN
bjmsr-2210	256	16	.	.	PROPN
bjmsr-2210	256	17	,	,	PUNCT
bjmsr-2210	256	18	d.b	d.b	PROPN
bjmsr-2210	256	19	.	.	PROPN
bjmsr-2210	256	20	and	and	CCONJ
bjmsr-2210	256	21	p.r	p.r	PROPN
bjmsr-2210	256	22	.	.	PROPN
bjmsr-2210	256	23	;	;	PUNCT
bjmsr-2210	256	24	investigation	investigation	NOUN
bjmsr-2210	256	25	,	,	PUNCT
bjmsr-2210	256	26	m.f.e.a	m.f.e.a	PROPN
bjmsr-2210	256	27	.	.	PROPN
bjmsr-2210	256	28	;	;	PUNCT
bjmsr-2210	256	29	resources	resource	NOUN
bjmsr-2210	256	30	,	,	PUNCT
bjmsr-2210	256	31	m.r	m.r	PROPN
bjmsr-2210	256	32	.	.	PROPN
bjmsr-2210	256	33	and	and	CCONJ
bjmsr-2210	256	34	j.s	j.s	PROPN
bjmsr-2210	256	35	.	.	PROPN
bjmsr-2210	256	36	;	;	PUNCT
bjmsr-2210	256	37	data	datum	NOUN
bjmsr-2210	256	38	curation	curation	NOUN
bjmsr-2210	256	39	,	,	PUNCT
bjmsr-2210	256	40	m.r	m.r	PROPN
bjmsr-2210	256	41	.	.	PROPN
bjmsr-2210	256	42	,	,	PUNCT
bjmsr-2210	256	43	j.s	j.s	PROPN
bjmsr-2210	256	44	.	.	PROPN
bjmsr-2210	256	45	,	,	PUNCT
bjmsr-2210	256	46	d.b	d.b	PROPN
bjmsr-2210	256	47	.	.	PROPN
bjmsr-2210	256	48	and	and	CCONJ
bjmsr-2210	256	49	p.r	p.r	PROPN
bjmsr-2210	256	50	.	.	PROPN
bjmsr-2210	256	51	,	,	PUNCT
bjmsr-2210	256	52	writing	write	VERB
bjmsr-2210	256	53	–	–	PUNCT
bjmsr-2210	256	54	original	original	ADJ
bjmsr-2210	256	55	draft	draft	NOUN
bjmsr-2210	256	56	preparation	preparation	NOUN
bjmsr-2210	256	57	m.f.e.a	m.f.e.a	PROPN
bjmsr-2210	256	58	.	.	PROPN
bjmsr-2210	256	59	;	;	PUNCT
bjmsr-2210	256	60	writing	write	VERB
bjmsr-2210	256	61	–	–	PUNCT
bjmsr-2210	256	62	review	review	NOUN
bjmsr-2210	256	63	&	&	CCONJ
bjmsr-2210	256	64	editing	editing	PROPN
bjmsr-2210	256	65	,	,	PUNCT
bjmsr-2210	256	66	m.r	m.r	PROPN
bjmsr-2210	256	67	.	.	PROPN
bjmsr-2210	256	68	,	,	PUNCT
bjmsr-2210	256	69	j.s	j.s	PROPN
bjmsr-2210	256	70	.	.	PROPN
bjmsr-2210	256	71	,	,	PUNCT
bjmsr-2210	256	72	d.b	d.b	PROPN
bjmsr-2210	256	73	.	.	PROPN
bjmsr-2210	256	74	and	and	CCONJ
bjmsr-2210	256	75	p.r	p.r	PROPN
bjmsr-2210	256	76	.	.	PROPN
bjmsr-2210	256	77	;	;	PUNCT
bjmsr-2210	256	78	visualization	visualization	NOUN
bjmsr-2210	256	79	,	,	PUNCT
bjmsr-2210	256	80	m.r	m.r	PROPN
bjmsr-2210	256	81	.	.	PROPN
bjmsr-2210	256	82	;	;	PUNCT
bjmsr-2210	256	83	supervision	supervision	NOUN
bjmsr-2210	256	84	,	,	PUNCT
bjmsr-2210	256	85	m.r	m.r	PROPN
bjmsr-2210	256	86	.	.	PROPN
bjmsr-2210	256	87	;	;	PUNCT
bjmsr-2210	256	88	project	project	NOUN
bjmsr-2210	256	89	administration	administration	NOUN
bjmsr-2210	256	90	,	,	PUNCT
bjmsr-2210	256	91	m.f.e.a	m.f.e.a	PROPN
bjmsr-2210	256	92	.	.	PROPN
bjmsr-2210	256	93	;	;	PUNCT
bjmsr-2210	256	94	funding	funding	NOUN
bjmsr-2210	256	95	acquisition	acquisition	NOUN
bjmsr-2210	256	96	,	,	PUNCT
bjmsr-2210	256	97	m.r	m.r	PROPN
bjmsr-2210	256	98	.	.	PROPN
bjmsr-2210	256	99	,	,	PUNCT
bjmsr-2210	256	100	j.s	j.s	PROPN
bjmsr-2210	256	101	.	.	PROPN
bjmsr-2210	256	102	,	,	PUNCT
bjmsr-2210	256	103	d.b	d.b	PROPN
bjmsr-2210	256	104	.	.	PROPN
bjmsr-2210	256	105	and	and	CCONJ
bjmsr-2210	256	106	p.r	p.r	PROPN
bjmsr-2210	256	107	.	.	PROPN
bjmsr-2210	256	108	author	author	NOUN
bjmsr-2210	256	109	has	have	AUX
bjmsr-2210	256	110	read	read	VERB
bjmsr-2210	256	111	and	and	CCONJ
bjmsr-2210	256	112	agreed	agree	VERB
bjmsr-2210	256	113	to	to	ADP
bjmsr-2210	256	114	the	the	DET
bjmsr-2210	256	115	published	publish	VERB
bjmsr-2210	256	116	version	version	NOUN
bjmsr-2210	256	117	of	of	ADP
bjmsr-2210	256	118	the	the	DET
bjmsr-2210	256	119	manuscript	manuscript	NOUN
bjmsr-2210	256	120	.	.	PUNCT
bjmsr-2210	257	1	institutional	institutional	ADJ
bjmsr-2210	257	2	review	review	PROPN
bjmsr-2210	257	3	board	board	NOUN
bjmsr-2210	257	4	statement	statement	NOUN
bjmsr-2210	257	5	:	:	PUNCT
bjmsr-2210	257	6	ethical	ethical	ADJ
bjmsr-2210	257	7	review	review	NOUN
bjmsr-2210	257	8	and	and	CCONJ
bjmsr-2210	257	9	approval	approval	NOUN
bjmsr-2210	257	10	were	be	AUX
bjmsr-2210	257	11	waived	waive	VERB
bjmsr-2210	257	12	for	for	ADP
bjmsr-2210	257	13	this	this	DET
bjmsr-2210	257	14	study	study	NOUN
bjmsr-2210	257	15	because	because	SCONJ
bjmsr-2210	257	16	the	the	DET
bjmsr-2210	257	17	research	research	NOUN
bjmsr-2210	257	18	does	do	AUX
bjmsr-2210	257	19	not	not	PART
bjmsr-2210	257	20	involve	involve	VERB
bjmsr-2210	257	21	vulnerable	vulnerable	ADJ
bjmsr-2210	257	22	groups	group	NOUN
bjmsr-2210	257	23	or	or	CCONJ
bjmsr-2210	257	24	sensitive	sensitive	ADJ
bjmsr-2210	257	25	issues	issue	NOUN
bjmsr-2210	257	26	.	.	PUNCT
bjmsr-2210	258	1	funding	funding	NOUN
bjmsr-2210	258	2	:	:	PUNCT
bjmsr-2210	258	3	the	the	DET
bjmsr-2210	258	4	authors	author	NOUN
bjmsr-2210	258	5	received	receive	VERB
bjmsr-2210	258	6	no	no	DET
bjmsr-2210	258	7	direct	direct	ADJ
bjmsr-2210	258	8	funding	funding	NOUN
bjmsr-2210	258	9	for	for	ADP
bjmsr-2210	258	10	this	this	DET
bjmsr-2210	258	11	research	research	NOUN
bjmsr-2210	258	12	.	.	PUNCT
bjmsr-2210	259	1	acknowledgments	acknowledgment	NOUN
bjmsr-2210	259	2	:	:	PUNCT
bjmsr-2210	259	3	not	not	PART
bjmsr-2210	259	4	applicable	applicable	ADJ
bjmsr-2210	259	5	.	.	PUNCT
bjmsr-2210	260	1	informed	informed	ADJ
bjmsr-2210	260	2	consent	consent	NOUN
bjmsr-2210	260	3	statement	statement	NOUN
bjmsr-2210	260	4	:	:	PUNCT
bjmsr-2210	260	5	informed	inform	VERB
bjmsr-2210	260	6	consent	consent	NOUN
bjmsr-2210	260	7	was	be	AUX
bjmsr-2210	260	8	obtained	obtain	VERB
bjmsr-2210	260	9	from	from	ADP
bjmsr-2210	260	10	all	all	DET
bjmsr-2210	260	11	subjects	subject	NOUN
bjmsr-2210	260	12	involved	involve	VERB
bjmsr-2210	260	13	in	in	ADP
bjmsr-2210	260	14	the	the	DET
bjmsr-2210	260	15	study	study	NOUN
bjmsr-2210	260	16	.	.	PUNCT
bjmsr-2210	261	1	data	datum	NOUN
bjmsr-2210	261	2	availability	availability	NOUN
bjmsr-2210	261	3	statement	statement	NOUN
bjmsr-2210	261	4	:	:	PUNCT
bjmsr-2210	261	5	the	the	DET
bjmsr-2210	261	6	data	datum	NOUN
bjmsr-2210	261	7	presented	present	VERB
bjmsr-2210	261	8	in	in	ADP
bjmsr-2210	261	9	this	this	DET
bjmsr-2210	261	10	study	study	NOUN
bjmsr-2210	261	11	are	be	AUX
bjmsr-2210	261	12	available	available	ADJ
bjmsr-2210	261	13	upon	upon	SCONJ
bjmsr-2210	261	14	request	request	NOUN
bjmsr-2210	261	15	from	from	ADP
bjmsr-2210	261	16	the	the	DET
bjmsr-2210	261	17	corresponding	corresponding	ADJ
bjmsr-2210	261	18	author	author	NOUN
bjmsr-2210	261	19	.	.	PUNCT
bjmsr-2210	262	1	due	due	ADP
bjmsr-2210	262	2	to	to	ADP
bjmsr-2210	262	3	restrictions	restriction	NOUN
bjmsr-2210	262	4	,	,	PUNCT
bjmsr-2210	262	5	they	they	PRON
bjmsr-2210	262	6	are	be	AUX
bjmsr-2210	262	7	not	not	PART
bjmsr-2210	262	8	publicly	publicly	ADV
bjmsr-2210	262	9	available	available	ADJ
bjmsr-2210	262	10	.	.	PUNCT
bjmsr-2210	263	1	conflicts	conflict	NOUN
bjmsr-2210	263	2	of	of	ADP
bjmsr-2210	263	3	interest	interest	NOUN
bjmsr-2210	263	4	:	:	PUNCT
bjmsr-2210	263	5	the	the	DET
bjmsr-2210	263	6	authors	author	NOUN
bjmsr-2210	263	7	declare	declare	VERB
bjmsr-2210	263	8	no	no	DET
bjmsr-2210	263	9	conflict	conflict	NOUN
bjmsr-2210	263	10	of	of	ADP
bjmsr-2210	263	11	interest	interest	NOUN
bjmsr-2210	263	12	.	.	PUNCT
bjmsr-2210	264	1	references	reference	NOUN
bjmsr-2210	264	2	agnihotri	agnihotri	PROPN
bjmsr-2210	264	3	,	,	PUNCT
bjmsr-2210	264	4	d.	d.	PROPN
bjmsr-2210	264	5	,	,	PUNCT
bjmsr-2210	264	6	kulshreshtha	kulshreshtha	PROPN
bjmsr-2210	264	7	,	,	PUNCT
bjmsr-2210	264	8	k.	k.	PROPN
bjmsr-2210	264	9	,	,	PUNCT
bjmsr-2210	264	10	&	&	CCONJ
bjmsr-2210	264	11	tripathi	tripathi	PROPN
bjmsr-2210	264	12	,	,	PUNCT
bjmsr-2210	264	13	v.	v.	PROPN
bjmsr-2210	264	14	(	(	PUNCT
bjmsr-2210	264	15	2022	2022	NUM
bjmsr-2210	264	16	)	)	PUNCT
bjmsr-2210	264	17	.	.	PUNCT
bjmsr-2210	265	1	emergence	emergence	NOUN
bjmsr-2210	265	2	of	of	ADP
bjmsr-2210	265	3	social	social	ADJ
bjmsr-2210	265	4	media	medium	NOUN
bjmsr-2210	265	5	as	as	ADP
bjmsr-2210	265	6	new	new	ADJ
bjmsr-2210	265	7	normal	normal	ADJ
bjmsr-2210	265	8	during	during	ADP
bjmsr-2210	265	9	covid-19	covid-19	PROPN
bjmsr-2210	265	10	pandemic	pandemic	NOUN
bjmsr-2210	265	11	:	:	PUNCT
bjmsr-2210	265	12	a	a	DET
bjmsr-2210	265	13	study	study	NOUN
bjmsr-2210	265	14	on	on	ADP
bjmsr-2210	265	15	innovative	innovative	ADJ
bjmsr-2210	265	16	complaint	complaint	NOUN
bjmsr-2210	265	17	handling	handling	NOUN
bjmsr-2210	265	18	procedures	procedure	NOUN
bjmsr-2210	265	19	in	in	ADP
bjmsr-2210	265	20	the	the	DET
bjmsr-2210	265	21	context	context	NOUN
bjmsr-2210	265	22	of	of	ADP
bjmsr-2210	265	23	banking	banking	NOUN
bjmsr-2210	265	24	industry	industry	NOUN
bjmsr-2210	265	25	.	.	PUNCT
bjmsr-2210	266	1	international	international	ADJ
bjmsr-2210	266	2	journal	journal	PROPN
bjmsr-2210	266	3	of	of	ADP
bjmsr-2210	266	4	innovation	innovation	NOUN
bjmsr-2210	266	5	science	science	NOUN
bjmsr-2210	266	6	,	,	PUNCT
bjmsr-2210	266	7	14(3/4	14(3/4	NUM
bjmsr-2210	266	8	)	)	PUNCT
bjmsr-2210	266	9	,	,	PUNCT
bjmsr-2210	266	10	405–427	405–427	NUM
bjmsr-2210	266	11	.	.	PUNCT
bjmsr-2210	266	12	https://doi.org/10.1108/ijis-10-2020-0199	https://doi.org/10.1108/ijis-10-2020-0199	NOUN
bjmsr-2210	266	13	angelini	angelini	PROPN
bjmsr-2210	266	14	,	,	PUNCT
bjmsr-2210	266	15	a.	a.	NOUN
bjmsr-2210	266	16	,	,	PUNCT
bjmsr-2210	266	17	ferretti	ferretti	PROPN
bjmsr-2210	266	18	,	,	PUNCT
bjmsr-2210	266	19	p.	p.	PROPN
bjmsr-2210	266	20	,	,	PUNCT
bjmsr-2210	266	21	ferrante	ferrante	PROPN
bjmsr-2210	266	22	,	,	PUNCT
bjmsr-2210	266	23	g.	g.	PROPN
bjmsr-2210	266	24	,	,	PUNCT
bjmsr-2210	266	25	&	&	CCONJ
bjmsr-2210	266	26	graziani	graziani	PROPN
bjmsr-2210	266	27	,	,	PUNCT
bjmsr-2210	266	28	p.	p.	NOUN
bjmsr-2210	266	29	(	(	PUNCT
bjmsr-2210	266	30	2017	2017	NUM
bjmsr-2210	266	31	)	)	PUNCT
bjmsr-2210	266	32	.	.	PUNCT
bjmsr-2210	267	1	social	social	ADJ
bjmsr-2210	267	2	media	medium	NOUN
bjmsr-2210	267	3	development	development	NOUN
bjmsr-2210	267	4	paths	path	NOUN
bjmsr-2210	267	5	in	in	ADP
bjmsr-2210	267	6	banks	bank	NOUN
bjmsr-2210	267	7	.	.	PUNCT
bjmsr-2210	268	1	journal	journal	PROPN
bjmsr-2210	268	2	of	of	ADP
bjmsr-2210	268	3	promotion	promotion	NOUN
bjmsr-2210	268	4	management	management	NOUN
bjmsr-2210	268	5	,	,	PUNCT
bjmsr-2210	268	6	23(3	23(3	NUM
bjmsr-2210	268	7	)	)	PUNCT
bjmsr-2210	268	8	,	,	PUNCT
bjmsr-2210	268	9	345–358	345–358	NUM
bjmsr-2210	268	10	.	.	PUNCT
bjmsr-2210	269	1	https://doi.org/10.1080/10496491.2017.1294868	https://doi.org/10.1080/10496491.2017.1294868	PROPN
bjmsr-2210	269	2	assensoh	assensoh	PROPN
bjmsr-2210	269	3	-	-	PUNCT
bjmsr-2210	269	4	kodua	kodua	PROPN
bjmsr-2210	269	5	,	,	PUNCT
bjmsr-2210	269	6	a.	a.	NOUN
bjmsr-2210	269	7	(	(	PUNCT
bjmsr-2210	269	8	2016	2016	NUM
bjmsr-2210	269	9	)	)	PUNCT
bjmsr-2210	269	10	.	.	PUNCT
bjmsr-2210	270	1	marketing	marketing	NOUN
bjmsr-2210	270	2	potentials	potential	NOUN
bjmsr-2210	270	3	of	of	ADP
bjmsr-2210	270	4	the	the	DET
bjmsr-2210	270	5	social	social	ADJ
bjmsr-2210	270	6	media	medium	NOUN
bjmsr-2210	270	7	tools	tool	NOUN
bjmsr-2210	270	8	in	in	ADP
bjmsr-2210	270	9	the	the	DET
bjmsr-2210	270	10	banking	banking	NOUN
bjmsr-2210	270	11	market	market	NOUN
bjmsr-2210	270	12	of	of	ADP
bjmsr-2210	270	13	an	an	DET
bjmsr-2210	270	14	emerging	emerge	VERB
bjmsr-2210	270	15	country	country	NOUN
bjmsr-2210	270	16	.	.	PUNCT
bjmsr-2210	271	1	risk	risk	NOUN
bjmsr-2210	271	2	governance	governance	NOUN
bjmsr-2210	271	3	&	&	CCONJ
bjmsr-2210	271	4	control	control	PROPN
bjmsr-2210	271	5	:	:	PUNCT
bjmsr-2210	271	6	financial	financial	ADJ
bjmsr-2210	271	7	markets	market	NOUN
bjmsr-2210	271	8	&	&	CCONJ
bjmsr-2210	271	9	institutions	institution	NOUN
bjmsr-2210	271	10	,	,	PUNCT
bjmsr-2210	271	11	6(4	6(4	NOUN
bjmsr-2210	271	12	–	–	PUNCT
bjmsr-2210	271	13	2	2	NUM
bjmsr-2210	271	14	)	)	PUNCT
bjmsr-2210	271	15	,	,	PUNCT
bjmsr-2210	271	16	257–267	257–267	NUM
bjmsr-2210	271	17	.	.	PUNCT
bjmsr-2210	272	1	https://doi.org/10.22495/rgcv6i4c2art2	https://doi.org/10.22495/rgcv6i4c2art2	PROPN
bjmsr-2210	272	2	bawre	bawre	PROPN
bjmsr-2210	272	3	,	,	PUNCT
bjmsr-2210	272	4	s.	s.	PROPN
bjmsr-2210	272	5	,	,	PUNCT
bjmsr-2210	272	6	&	&	CCONJ
bjmsr-2210	272	7	kar	kar	PROPN
bjmsr-2210	272	8	,	,	PUNCT
bjmsr-2210	272	9	s.	s.	PROPN
bjmsr-2210	272	10	(	(	PUNCT
bjmsr-2210	272	11	2019	2019	NUM
bjmsr-2210	272	12	)	)	PUNCT
bjmsr-2210	272	13	.	.	PUNCT
bjmsr-2210	273	1	social	social	ADJ
bjmsr-2210	273	2	media	medium	NOUN
bjmsr-2210	273	3	and	and	CCONJ
bjmsr-2210	273	4	financial	financial	ADJ
bjmsr-2210	273	5	institutions	institution	NOUN
bjmsr-2210	273	6	in	in	ADP
bjmsr-2210	273	7	the	the	DET
bjmsr-2210	273	8	indian	indian	ADJ
bjmsr-2210	273	9	context	context	NOUN
bjmsr-2210	273	10	.	.	PUNCT
bjmsr-2210	274	1	international	international	ADJ
bjmsr-2210	274	2	journal	journal	PROPN
bjmsr-2210	274	3	of	of	ADP
bjmsr-2210	274	4	economics	economic	NOUN
bjmsr-2210	274	5	and	and	CCONJ
bjmsr-2210	274	6	business	business	NOUN
bjmsr-2210	274	7	research	research	NOUN
bjmsr-2210	274	8	,	,	PUNCT
bjmsr-2210	274	9	18(3	18(3	NUM
bjmsr-2210	274	10	)	)	PUNCT
bjmsr-2210	274	11	,	,	PUNCT
bjmsr-2210	274	12	343	343	NUM
bjmsr-2210	274	13	-	-	SYM
bjmsr-2210	274	14	355	355	NUM
bjmsr-2210	274	15	.	.	PUNCT
bjmsr-2210	275	1	https://doi.org/10.1504/ijebr.2019.102734	https://doi.org/10.1504/ijebr.2019.102734	PROPN
bjmsr-2210	275	2	bohlin	bohlin	PROPN
bjmsr-2210	275	3	,	,	PUNCT
bjmsr-2210	275	4	e.	e.	PROPN
bjmsr-2210	275	5	,	,	PUNCT
bjmsr-2210	275	6	shaikh	shaikh	PROPN
bjmsr-2210	275	7	,	,	PUNCT
bjmsr-2210	275	8	a.	a.	NOUN
bjmsr-2210	275	9	a.	a.	PROPN
bjmsr-2210	275	10	,	,	PUNCT
bjmsr-2210	275	11	&	&	CCONJ
bjmsr-2210	275	12	hanafizadeh	hanafizadeh	PROPN
bjmsr-2210	275	13	,	,	PUNCT
bjmsr-2210	275	14	p.	p.	NOUN
bjmsr-2210	275	15	(	(	PUNCT
bjmsr-2210	275	16	2018	2018	NUM
bjmsr-2210	275	17	)	)	PUNCT
bjmsr-2210	275	18	.	.	PUNCT
bjmsr-2210	276	1	social	social	ADJ
bjmsr-2210	276	2	network	network	NOUN
bjmsr-2210	276	3	banking	banking	NOUN
bjmsr-2210	276	4	:	:	PUNCT
bjmsr-2210	276	5	a	a	DET
bjmsr-2210	276	6	case	case	NOUN
bjmsr-2210	276	7	study	study	NOUN
bjmsr-2210	276	8	of	of	ADP
bjmsr-2210	276	9	100	100	NUM
bjmsr-2210	276	10	leading	lead	VERB
bjmsr-2210	276	11	global	global	ADJ
bjmsr-2210	276	12	banks	bank	NOUN
bjmsr-2210	276	13	.	.	PUNCT
bjmsr-2210	277	1	international	international	ADJ
bjmsr-2210	277	2	journal	journal	NOUN
bjmsr-2210	277	3	of	of	ADP
bjmsr-2210	277	4	e	e	PROPN
bjmsr-2210	277	5	-	-	NOUN
bjmsr-2210	277	6	business	business	ADJ
bjmsr-2210	277	7	research	research	NOUN
bjmsr-2210	277	8	(	(	PUNCT
bjmsr-2210	277	9	ijebr	ijebr	PROPN
bjmsr-2210	277	10	)	)	PUNCT
bjmsr-2210	277	11	,	,	PUNCT
bjmsr-2210	277	12	14(2	14(2	NUM
bjmsr-2210	277	13	)	)	PUNCT
bjmsr-2210	277	14	,	,	PUNCT
bjmsr-2210	277	15	1–13	1–13	NOUN
bjmsr-2210	277	16	.	.	PUNCT
bjmsr-2210	278	1	https://doi.org/10.4018/ijebr.2018040101	https://doi.org/10.4018/ijebr.2018040101	PROPN
bjmsr-2210	278	2	charoensukmongkol	charoensukmongkol	PROPN
bjmsr-2210	278	3	,	,	PUNCT
bjmsr-2210	278	4	p.	p.	PROPN
bjmsr-2210	278	5	,	,	PUNCT
bjmsr-2210	278	6	&	&	CCONJ
bjmsr-2210	278	7	sasatanun	sasatanun	PROPN
bjmsr-2210	278	8	,	,	PUNCT
bjmsr-2210	278	9	p.	p.	NOUN
bjmsr-2210	278	10	(	(	PUNCT
bjmsr-2210	278	11	2017	2017	NUM
bjmsr-2210	278	12	)	)	PUNCT
bjmsr-2210	278	13	.	.	PUNCT
bjmsr-2210	279	1	social	social	ADJ
bjmsr-2210	279	2	media	medium	NOUN
bjmsr-2210	279	3	use	use	NOUN
bjmsr-2210	279	4	for	for	ADP
bjmsr-2210	279	5	crm	crm	NOUN
bjmsr-2210	279	6	and	and	CCONJ
bjmsr-2210	279	7	business	business	NOUN
bjmsr-2210	279	8	performance	performance	NOUN
bjmsr-2210	279	9	satisfaction	satisfaction	NOUN
bjmsr-2210	279	10	:	:	PUNCT
bjmsr-2210	279	11	the	the	DET
bjmsr-2210	279	12	moderating	moderate	VERB
bjmsr-2210	279	13	roles	role	NOUN
bjmsr-2210	279	14	of	of	ADP
bjmsr-2210	279	15	social	social	ADJ
bjmsr-2210	279	16	skills	skill	NOUN
bjmsr-2210	279	17	and	and	CCONJ
bjmsr-2210	279	18	social	social	ADJ
bjmsr-2210	279	19	media	medium	NOUN
bjmsr-2210	279	20	sales	sale	NOUN
bjmsr-2210	279	21	intensity	intensity	NOUN
bjmsr-2210	279	22	.	.	PUNCT
bjmsr-2210	280	1	asia	asia	PROPN
bjmsr-2210	280	2	pacific	pacific	PROPN
bjmsr-2210	280	3	management	management	PROPN
bjmsr-2210	280	4	review	review	PROPN
bjmsr-2210	280	5	,	,	PUNCT
bjmsr-2210	280	6	22(1	22(1	NUM
bjmsr-2210	280	7	)	)	PUNCT
bjmsr-2210	280	8	,	,	PUNCT
bjmsr-2210	280	9	25–34	25–34	NUM
bjmsr-2210	280	10	.	.	PUNCT
bjmsr-2210	281	1	https://doi.org/10.1016/j.apmrv.2016.10.005	https://doi.org/10.1016/j.apmrv.2016.10.005	PROPN
bjmsr-2210	281	2	danaiata	danaiata	PROPN
bjmsr-2210	281	3	,	,	PUNCT
bjmsr-2210	281	4	d.	d.	PROPN
bjmsr-2210	281	5	,	,	PUNCT
bjmsr-2210	281	6	margea	margea	ADV
bjmsr-2210	281	7	,	,	PUNCT
bjmsr-2210	281	8	c.	c.	NOUN
bjmsr-2210	281	9	,	,	PUNCT
bjmsr-2210	281	10	kirakosyan	kirakosyan	PROPN
bjmsr-2210	281	11	,	,	PUNCT
bjmsr-2210	281	12	k.	k.	PROPN
bjmsr-2210	281	13	,	,	PUNCT
bjmsr-2210	281	14	&	&	CCONJ
bjmsr-2210	281	15	negovan	negovan	PROPN
bjmsr-2210	281	16	,	,	PUNCT
bjmsr-2210	281	17	a.-m	a.-m	PROPN
bjmsr-2210	281	18	.	.	PUNCT
bjmsr-2210	282	1	(	(	PUNCT
bjmsr-2210	282	2	2014	2014	NUM
bjmsr-2210	282	3	)	)	PUNCT
bjmsr-2210	282	4	.	.	PUNCT
bjmsr-2210	283	1	social	social	ADJ
bjmsr-2210	283	2	media	medium	NOUN
bjmsr-2210	283	3	in	in	ADP
bjmsr-2210	283	4	banking	banking	NOUN
bjmsr-2210	283	5	.	.	PUNCT
bjmsr-2210	284	1	a	a	DET
bjmsr-2210	284	2	managerial	managerial	ADJ
bjmsr-2210	284	3	perception	perception	NOUN
bjmsr-2210	284	4	from	from	ADP
bjmsr-2210	284	5	mexico	mexico	PROPN
bjmsr-2210	284	6	.	.	PUNCT
bjmsr-2210	285	1	timisoara	timisoara	PROPN
bjmsr-2210	285	2	journal	journal	PROPN
bjmsr-2210	285	3	of	of	ADP
bjmsr-2210	285	4	economics	economic	NOUN
bjmsr-2210	285	5	and	and	CCONJ
bjmsr-2210	285	6	business	business	NOUN
bjmsr-2210	285	7	,	,	PUNCT
bjmsr-2210	285	8	7(2	7(2	NUM
bjmsr-2210	285	9	)	)	PUNCT
bjmsr-2210	285	10	,	,	PUNCT
bjmsr-2210	285	11	147–174	147–174	NUM
bjmsr-2210	285	12	.	.	PUNCT
bjmsr-2210	286	1	https://doi.org/10.1515/tjeb-20150009	https://doi.org/10.1515/tjeb-20150009	PROPN
bjmsr-2210	286	2	edirisuriya	edirisuriya	PROPN
bjmsr-2210	286	3	,	,	PUNCT
bjmsr-2210	286	4	p.	p.	NOUN
bjmsr-2210	286	5	,	,	PUNCT
bjmsr-2210	286	6	&	&	CCONJ
bjmsr-2210	286	7	o’brien	o’brien	PROPN
bjmsr-2210	286	8	,	,	PUNCT
bjmsr-2210	286	9	g.	g.	PROPN
bjmsr-2210	286	10	c.	c.	PROPN
bjmsr-2210	286	11	(	(	PUNCT
bjmsr-2210	286	12	2001	2001	NUM
bjmsr-2210	286	13	)	)	PUNCT
bjmsr-2210	286	14	.	.	PUNCT
bjmsr-2210	287	1	financial	financial	ADJ
bjmsr-2210	287	2	deregulation	deregulation	NOUN
bjmsr-2210	287	3	and	and	CCONJ
bjmsr-2210	287	4	economies	economy	NOUN
bjmsr-2210	287	5	of	of	ADP
bjmsr-2210	287	6	scale	scale	NOUN
bjmsr-2210	287	7	and	and	CCONJ
bjmsr-2210	287	8	scope	scope	NOUN
bjmsr-2210	287	9	:	:	PUNCT
bjmsr-2210	287	10	evidence	evidence	NOUN
bjmsr-2210	287	11	from	from	ADP
bjmsr-2210	287	12	the	the	DET
bjmsr-2210	287	13	major	major	ADJ
bjmsr-2210	287	14	australian	australian	ADJ
bjmsr-2210	287	15	banks	bank	NOUN
bjmsr-2210	287	16	.	.	PUNCT
bjmsr-2210	288	1	asia	asia	PROPN
bjmsr-2210	288	2	-	-	PUNCT
bjmsr-2210	288	3	pacific	pacific	ADJ
bjmsr-2210	288	4	financial	financial	ADJ
bjmsr-2210	288	5	markets	market	NOUN
bjmsr-2210	288	6	,	,	PUNCT
bjmsr-2210	288	7	8(3	8(3	NUM
bjmsr-2210	288	8	)	)	PUNCT
bjmsr-2210	288	9	,	,	PUNCT
bjmsr-2210	288	10	197–214	197–214	NUM
bjmsr-2210	288	11	.	.	PUNCT
bjmsr-2210	289	1	https://doi.org/10.1023/a:1016260215809	https://doi.org/10.1023/a:1016260215809	PROPN
bjmsr-2210	289	2	ramasamy	ramasamy	VERB
bjmsr-2210	289	3	et	et	PROPN
bjmsr-2210	289	4	al	al	PROPN
bjmsr-2210	289	5	.	.	PROPN
bjmsr-2210	289	6	,	,	PUNCT
bjmsr-2210	289	7	bangladesh	bangladesh	PROPN
bjmsr-2210	289	8	journal	journal	NOUN
bjmsr-2210	289	9	of	of	ADP
bjmsr-2210	289	10	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	289	11	scientific	scientific	ADJ
bjmsr-2210	289	12	research	research	NOUN
bjmsr-2210	289	13	9(2	9(2	NUM
bjmsr-2210	289	14	)	)	PUNCT
bjmsr-2210	289	15	(	(	PUNCT
bjmsr-2210	289	16	2024	2024	NUM
bjmsr-2210	289	17	)	)	PUNCT
bjmsr-2210	289	18	,	,	PUNCT
bjmsr-2210	289	19	1	1	NUM
bjmsr-2210	289	20	-	-	SYM
bjmsr-2210	289	21	9	9	NUM
bjmsr-2210	289	22	9	9	NUM
bjmsr-2210	289	23	fatma	fatma	ADJ
bjmsr-2210	289	24	,	,	PUNCT
bjmsr-2210	289	25	m.	m.	NOUN
bjmsr-2210	289	26	,	,	PUNCT
bjmsr-2210	289	27	ruiz	ruiz	NOUN
bjmsr-2210	289	28	,	,	PUNCT
bjmsr-2210	289	29	a.	a.	NOUN
bjmsr-2210	289	30	p.	p.	PROPN
bjmsr-2210	289	31	,	,	PUNCT
bjmsr-2210	289	32	khan	khan	PROPN
bjmsr-2210	289	33	,	,	PUNCT
bjmsr-2210	289	34	i.	i.	PROPN
bjmsr-2210	289	35	,	,	PUNCT
bjmsr-2210	289	36	&	&	CCONJ
bjmsr-2210	289	37	rahman	rahman	PROPN
bjmsr-2210	289	38	,	,	PUNCT
bjmsr-2210	289	39	z.	z.	PROPN
bjmsr-2210	289	40	(	(	PUNCT
bjmsr-2210	289	41	2020	2020	NUM
bjmsr-2210	289	42	)	)	PUNCT
bjmsr-2210	289	43	.	.	PUNCT
bjmsr-2210	290	1	the	the	DET
bjmsr-2210	290	2	effect	effect	NOUN
bjmsr-2210	290	3	of	of	ADP
bjmsr-2210	290	4	csr	csr	NOUN
bjmsr-2210	290	5	engagement	engagement	NOUN
bjmsr-2210	290	6	on	on	ADP
bjmsr-2210	290	7	ewom	ewom	NOUN
bjmsr-2210	290	8	on	on	ADP
bjmsr-2210	290	9	social	social	ADJ
bjmsr-2210	290	10	media	medium	NOUN
bjmsr-2210	290	11	.	.	PUNCT
bjmsr-2210	291	1	international	international	ADJ
bjmsr-2210	291	2	journal	journal	NOUN
bjmsr-2210	291	3	of	of	ADP
bjmsr-2210	291	4	organizational	organizational	ADJ
bjmsr-2210	291	5	analysis	analysis	NOUN
bjmsr-2210	291	6	,	,	PUNCT
bjmsr-2210	291	7	28(4	28(4	NUM
bjmsr-2210	291	8	)	)	PUNCT
bjmsr-2210	291	9	,	,	PUNCT
bjmsr-2210	291	10	941–956	941–956	NUM
bjmsr-2210	291	11	.	.	PUNCT
bjmsr-2210	292	1	https://doi.org/10.1108/ijoa-10-2019-1895	https://doi.org/10.1108/ijoa-10-2019-1895	PROPN
bjmsr-2210	292	2	hossain	hossain	PROPN
bjmsr-2210	292	3	,	,	PUNCT
bjmsr-2210	292	4	s.	s.	PROPN
bjmsr-2210	292	5	a.	a.	PROPN
bjmsr-2210	292	6	,	,	PUNCT
bjmsr-2210	292	7	&	&	CCONJ
bjmsr-2210	292	8	alam	alam	PROPN
bjmsr-2210	292	9	,	,	PUNCT
bjmsr-2210	292	10	m.	m.	NOUN
bjmsr-2210	292	11	s.	s.	PROPN
bjmsr-2210	292	12	(	(	PUNCT
bjmsr-2210	292	13	2022	2022	NUM
bjmsr-2210	292	14	)	)	PUNCT
bjmsr-2210	292	15	.	.	PUNCT
bjmsr-2210	293	1	students	student	NOUN
bjmsr-2210	293	2	’	’	PART
bjmsr-2210	293	3	attitude	attitude	NOUN
bjmsr-2210	293	4	towards	towards	ADP
bjmsr-2210	293	5	online	online	ADJ
bjmsr-2210	293	6	shopping	shopping	NOUN
bjmsr-2210	293	7	&	&	CCONJ
bjmsr-2210	293	8	the	the	DET
bjmsr-2210	293	9	possibility	possibility	NOUN
bjmsr-2210	293	10	to	to	PART
bjmsr-2210	293	11	facilitate	facilitate	VERB
bjmsr-2210	293	12	its	its	PRON
bjmsr-2210	293	13	growth	growth	NOUN
bjmsr-2210	293	14	:	:	PUNCT
bjmsr-2210	293	15	a	a	DET
bjmsr-2210	293	16	study	study	NOUN
bjmsr-2210	293	17	in	in	ADP
bjmsr-2210	293	18	rajshahi	rajshahi	PROPN
bjmsr-2210	293	19	city	city	PROPN
bjmsr-2210	293	20	,	,	PUNCT
bjmsr-2210	293	21	bangladesh	bangladesh	PROPN
bjmsr-2210	293	22	.	.	PUNCT
bjmsr-2210	294	1	bangladesh	bangladesh	PROPN
bjmsr-2210	294	2	journal	journal	PROPN
bjmsr-2210	294	3	of	of	ADP
bjmsr-2210	294	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	294	5	scientific	scientific	ADJ
bjmsr-2210	294	6	research	research	NOUN
bjmsr-2210	294	7	,	,	PUNCT
bjmsr-2210	294	8	6(1	6(1	NUM
bjmsr-2210	294	9	)	)	PUNCT
bjmsr-2210	294	10	,	,	PUNCT
bjmsr-2210	294	11	8–14	8–14	PROPN
bjmsr-2210	294	12	.	.	PUNCT
bjmsr-2210	295	1	https://doi.org/10.46281/bjmsr.v6i1.1875	https://doi.org/10.46281/bjmsr.v6i1.1875	PROPN
bjmsr-2210	295	2	jin	jin	PROPN
bjmsr-2210	295	3	,	,	PUNCT
bjmsr-2210	295	4	s.	s.	PROPN
bjmsr-2210	295	5	v.	v.	PROPN
bjmsr-2210	295	6	,	,	PUNCT
bjmsr-2210	295	7	&	&	CCONJ
bjmsr-2210	295	8	muqaddam	muqaddam	PROPN
bjmsr-2210	295	9	,	,	PUNCT
bjmsr-2210	295	10	a.	a.	NOUN
bjmsr-2210	295	11	(	(	PUNCT
bjmsr-2210	295	12	2019	2019	NUM
bjmsr-2210	295	13	)	)	PUNCT
bjmsr-2210	295	14	.	.	PUNCT
bjmsr-2210	296	1	product	product	NOUN
bjmsr-2210	296	2	placement	placement	NOUN
bjmsr-2210	296	3	2.0	2.0	NUM
bjmsr-2210	296	4	:	:	PUNCT
bjmsr-2210	296	5	“	"	PUNCT
bjmsr-2210	296	6	do	do	AUX
bjmsr-2210	296	7	brands	brand	NOUN
bjmsr-2210	296	8	need	need	VERB
bjmsr-2210	296	9	influencers	influencer	NOUN
bjmsr-2210	296	10	,	,	PUNCT
bjmsr-2210	296	11	or	or	CCONJ
bjmsr-2210	296	12	do	do	AUX
bjmsr-2210	296	13	influencers	influencer	NOUN
bjmsr-2210	296	14	need	need	VERB
bjmsr-2210	296	15	brands	brand	NOUN
bjmsr-2210	296	16	?	?	PUNCT
bjmsr-2210	296	17	”	"	PUNCT
bjmsr-2210	296	18	journal	journal	NOUN
bjmsr-2210	296	19	of	of	ADP
bjmsr-2210	296	20	brand	brand	PROPN
bjmsr-2210	296	21	management	management	NOUN
bjmsr-2210	296	22	,	,	PUNCT
bjmsr-2210	296	23	26(5	26(5	NUM
bjmsr-2210	296	24	)	)	PUNCT
bjmsr-2210	296	25	,	,	PUNCT
bjmsr-2210	297	1	522–537	522–537	NUM
bjmsr-2210	297	2	.	.	PUNCT
bjmsr-2210	297	3	https://doi.org/10.1057/s41262-019-00151-z	https://doi.org/10.1057/s41262-019-00151-z	PROPN
bjmsr-2210	297	4	jindal	jindal	PROPN
bjmsr-2210	297	5	,	,	PUNCT
bjmsr-2210	297	6	s.	s.	PROPN
bjmsr-2210	297	7	(	(	PUNCT
bjmsr-2210	297	8	2016	2016	NUM
bjmsr-2210	297	9	)	)	PUNCT
bjmsr-2210	297	10	.	.	PUNCT
bjmsr-2210	298	1	study	study	NOUN
bjmsr-2210	298	2	of	of	ADP
bjmsr-2210	298	3	e	e	NOUN
bjmsr-2210	298	4	-	-	ADJ
bjmsr-2210	298	5	banking	banking	ADJ
bjmsr-2210	298	6	scenario	scenario	NOUN
bjmsr-2210	298	7	in	in	ADP
bjmsr-2210	298	8	india	india	PROPN
bjmsr-2210	298	9	.	.	PUNCT
bjmsr-2210	299	1	international	international	ADJ
bjmsr-2210	299	2	journal	journal	PROPN
bjmsr-2210	299	3	of	of	ADP
bjmsr-2210	299	4	science	science	NOUN
bjmsr-2210	299	5	and	and	CCONJ
bjmsr-2210	299	6	research	research	NOUN
bjmsr-2210	299	7	(	(	PUNCT
bjmsr-2210	299	8	ijsr	ijsr	PROPN
bjmsr-2210	299	9	)	)	PUNCT
bjmsr-2210	299	10	,	,	PUNCT
bjmsr-2210	299	11	5(12	5(12	NUM
bjmsr-2210	299	12	)	)	PUNCT
bjmsr-2210	299	13	,	,	PUNCT
bjmsr-2210	299	14	680	680	NUM
bjmsr-2210	299	15	–	–	PUNCT
bjmsr-2210	299	16	683	683	NUM
bjmsr-2210	299	17	.	.	PUNCT
bjmsr-2210	300	1	jussila	jussila	PROPN
bjmsr-2210	300	2	,	,	PUNCT
bjmsr-2210	300	3	j.	j.	PROPN
bjmsr-2210	300	4	j.	j.	PROPN
bjmsr-2210	300	5	,	,	PUNCT
bjmsr-2210	300	6	kärkkäinen	kärkkäinen	PROPN
bjmsr-2210	300	7	,	,	PUNCT
bjmsr-2210	300	8	h.	h.	PROPN
bjmsr-2210	300	9	,	,	PUNCT
bjmsr-2210	300	10	&	&	CCONJ
bjmsr-2210	300	11	aramo	aramo	PROPN
bjmsr-2210	300	12	-	-	PUNCT
bjmsr-2210	300	13	immonen	immonen	NOUN
bjmsr-2210	300	14	,	,	PUNCT
bjmsr-2210	300	15	h.	h.	PROPN
bjmsr-2210	300	16	(	(	PUNCT
bjmsr-2210	300	17	2014	2014	NUM
bjmsr-2210	300	18	)	)	PUNCT
bjmsr-2210	300	19	.	.	PUNCT
bjmsr-2210	301	1	social	social	ADJ
bjmsr-2210	301	2	media	medium	NOUN
bjmsr-2210	301	3	utilization	utilization	NOUN
bjmsr-2210	301	4	in	in	ADP
bjmsr-2210	301	5	business	business	NOUN
bjmsr-2210	301	6	-	-	PUNCT
bjmsr-2210	301	7	to	to	ADP
bjmsr-2210	301	8	-	-	PUNCT
bjmsr-2210	301	9	business	business	NOUN
bjmsr-2210	301	10	relationships	relationship	NOUN
bjmsr-2210	301	11	of	of	ADP
bjmsr-2210	301	12	technology	technology	NOUN
bjmsr-2210	301	13	industry	industry	NOUN
bjmsr-2210	301	14	firms	firm	NOUN
bjmsr-2210	301	15	.	.	PUNCT
bjmsr-2210	302	1	computers	computer	NOUN
bjmsr-2210	302	2	in	in	ADP
bjmsr-2210	302	3	human	human	ADJ
bjmsr-2210	302	4	behavior	behavior	NOUN
bjmsr-2210	302	5	,	,	PUNCT
bjmsr-2210	302	6	30	30	NUM
bjmsr-2210	302	7	,	,	PUNCT
bjmsr-2210	302	8	606–613	606–613	NUM
bjmsr-2210	302	9	.	.	PUNCT
bjmsr-2210	303	1	https://doi.org/10.1016/j.chb.2013.07.047	https://doi.org/10.1016/j.chb.2013.07.047	PROPN
bjmsr-2210	303	2	kemp	kemp	PROPN
bjmsr-2210	303	3	,	,	PUNCT
bjmsr-2210	303	4	s.	s.	PROPN
bjmsr-2210	303	5	(	(	PUNCT
bjmsr-2210	303	6	2022	2022	NUM
bjmsr-2210	303	7	,	,	PUNCT
bjmsr-2210	303	8	january	january	PROPN
bjmsr-2210	303	9	26	26	NUM
bjmsr-2210	303	10	)	)	PUNCT
bjmsr-2210	303	11	.	.	PUNCT
bjmsr-2210	304	1	digital	digital	ADJ
bjmsr-2210	304	2	2022	2022	NUM
bjmsr-2210	304	3	:	:	PUNCT
bjmsr-2210	304	4	global	global	ADJ
bjmsr-2210	304	5	overview	overview	NOUN
bjmsr-2210	304	6	report	report	NOUN
bjmsr-2210	304	7	—	—	PUNCT
bjmsr-2210	304	8	datareportal	datareportal	ADJ
bjmsr-2210	304	9	–	–	PUNCT
bjmsr-2210	304	10	global	global	ADJ
bjmsr-2210	304	11	digital	digital	ADJ
bjmsr-2210	304	12	insights	insight	NOUN
bjmsr-2210	304	13	.	.	PUNCT
bjmsr-2210	305	1	datareportal	datareportal	PROPN
bjmsr-2210	305	2	.	.	PUNCT
bjmsr-2210	306	1	retrieved	retrieve	VERB
bjmsr-2210	306	2	from	from	ADP
bjmsr-2210	306	3	https://datareportal.com/reports/digital-2022-global-overview-report	https://datareportal.com/reports/digital-2022-global-overview-report	NUM
bjmsr-2210	306	4	khan	khan	PROPN
bjmsr-2210	306	5	,	,	PUNCT
bjmsr-2210	306	6	s.	s.	PROPN
bjmsr-2210	306	7	a.	a.	PROPN
bjmsr-2210	306	8	,	,	PUNCT
bjmsr-2210	306	9	epoc	epoc	PROPN
bjmsr-2210	306	10	,	,	PUNCT
bjmsr-2210	306	11	f.	f.	PROPN
bjmsr-2210	306	12	,	,	PUNCT
bjmsr-2210	306	13	gangwar	gangwar	VERB
bjmsr-2210	306	14	,	,	PUNCT
bjmsr-2210	306	15	v.	v.	ADV
bjmsr-2210	306	16	,	,	PUNCT
bjmsr-2210	306	17	ligori	ligori	ADV
bjmsr-2210	306	18	,	,	PUNCT
bjmsr-2210	306	19	t.	t.	PROPN
bjmsr-2210	306	20	a.	a.	NOUN
bjmsr-2210	306	21	a.	a.	PROPN
bjmsr-2210	306	22	,	,	PUNCT
bjmsr-2210	306	23	&	&	CCONJ
bjmsr-2210	306	24	ansari	ansari	PROPN
bjmsr-2210	306	25	,	,	PUNCT
bjmsr-2210	306	26	z.	z.	PROPN
bjmsr-2210	306	27	a.	a.	PROPN
bjmsr-2210	306	28	(	(	PUNCT
bjmsr-2210	306	29	2021	2021	NUM
bjmsr-2210	306	30	)	)	PUNCT
bjmsr-2210	306	31	.	.	PUNCT
bjmsr-2210	307	1	will	will	AUX
bjmsr-2210	307	2	online	online	ADJ
bjmsr-2210	307	3	banking	banking	NOUN
bjmsr-2210	307	4	be	be	AUX
bjmsr-2210	307	5	sustained	sustain	VERB
bjmsr-2210	307	6	in	in	ADP
bjmsr-2210	307	7	bhutan	bhutan	ADJ
bjmsr-2210	307	8	post	post	NOUN
bjmsr-2210	307	9	-	-	PROPN
bjmsr-2210	307	10	covid-19	covid-19	PROPN
bjmsr-2210	307	11	?	?	PUNCT
bjmsr-2210	308	1	a	a	DET
bjmsr-2210	308	2	quantitative	quantitative	ADJ
bjmsr-2210	308	3	analysis	analysis	NOUN
bjmsr-2210	308	4	of	of	ADP
bjmsr-2210	308	5	the	the	DET
bjmsr-2210	308	6	customer	customer	NOUN
bjmsr-2210	308	7	e	e	NOUN
bjmsr-2210	308	8	-	-	NOUN
bjmsr-2210	308	9	satisfaction	satisfaction	NOUN
bjmsr-2210	308	10	and	and	CCONJ
bjmsr-2210	308	11	e	e	NOUN
bjmsr-2210	308	12	-	-	NOUN
bjmsr-2210	308	13	loyalty	loyalty	NOUN
bjmsr-2210	308	14	in	in	ADP
bjmsr-2210	308	15	the	the	DET
bjmsr-2210	308	16	kingdom	kingdom	NOUN
bjmsr-2210	308	17	of	of	ADP
bjmsr-2210	308	18	bhutan	bhutan	NOUN
bjmsr-2210	308	19	.	.	PUNCT
bjmsr-2210	309	1	transnational	transnational	ADJ
bjmsr-2210	309	2	marketing	marketing	NOUN
bjmsr-2210	309	3	journal	journal	NOUN
bjmsr-2210	309	4	,	,	PUNCT
bjmsr-2210	309	5	9(3	9(3	NUM
bjmsr-2210	309	6	)	)	PUNCT
bjmsr-2210	309	7	,	,	PUNCT
bjmsr-2210	309	8	607–624	607–624	NUM
bjmsr-2210	309	9	.	.	PUNCT
bjmsr-2210	310	1	https://doi.org/10.33182/tmj.v9i3.1288	https://doi.org/10.33182/tmj.v9i3.1288	PROPN
bjmsr-2210	310	2	kuchciak	kuchciak	PROPN
bjmsr-2210	310	3	,	,	PUNCT
bjmsr-2210	310	4	i.	i.	PROPN
bjmsr-2210	310	5	,	,	PUNCT
bjmsr-2210	310	6	&	&	CCONJ
bjmsr-2210	310	7	wiktorowicz	wiktorowicz	NOUN
bjmsr-2210	310	8	,	,	PUNCT
bjmsr-2210	310	9	j.	j.	PROPN
bjmsr-2210	310	10	(	(	PUNCT
bjmsr-2210	310	11	2021	2021	NUM
bjmsr-2210	310	12	)	)	PUNCT
bjmsr-2210	310	13	.	.	PUNCT
bjmsr-2210	311	1	empowering	empower	VERB
bjmsr-2210	311	2	financial	financial	ADJ
bjmsr-2210	311	3	education	education	NOUN
bjmsr-2210	311	4	by	by	ADP
bjmsr-2210	311	5	banks	bank	NOUN
bjmsr-2210	311	6	—	—	PUNCT
bjmsr-2210	311	7	social	social	ADJ
bjmsr-2210	311	8	media	medium	NOUN
bjmsr-2210	311	9	as	as	ADP
bjmsr-2210	311	10	a	a	DET
bjmsr-2210	311	11	modern	modern	ADJ
bjmsr-2210	311	12	channel	channel	NOUN
bjmsr-2210	311	13	.	.	PUNCT
bjmsr-2210	312	1	journal	journal	NOUN
bjmsr-2210	312	2	of	of	ADP
bjmsr-2210	312	3	risk	risk	NOUN
bjmsr-2210	312	4	and	and	CCONJ
bjmsr-2210	312	5	financial	financial	ADJ
bjmsr-2210	312	6	management	management	NOUN
bjmsr-2210	312	7	,	,	PUNCT
bjmsr-2210	312	8	14(3	14(3	NUM
bjmsr-2210	312	9	)	)	PUNCT
bjmsr-2210	312	10	,	,	PUNCT
bjmsr-2210	312	11	118	118	NUM
bjmsr-2210	312	12	.	.	PUNCT
bjmsr-2210	313	1	https://doi.org/10.3390/jrfm14030118	https://doi.org/10.3390/jrfm14030118	VERB
bjmsr-2210	313	2	majekodunmi	majekodunmi	PROPN
bjmsr-2210	313	3	,	,	PUNCT
bjmsr-2210	313	4	d.	d.	PROPN
bjmsr-2210	313	5	,	,	PUNCT
bjmsr-2210	313	6	&	&	CCONJ
bjmsr-2210	313	7	harris	harris	PROPN
bjmsr-2210	313	8	,	,	PUNCT
bjmsr-2210	313	9	l.	l.	PROPN
bjmsr-2210	313	10	(	(	PUNCT
bjmsr-2210	313	11	2016	2016	NUM
bjmsr-2210	313	12	)	)	PUNCT
bjmsr-2210	313	13	.	.	PUNCT
bjmsr-2210	314	1	consumers	consumer	NOUN
bjmsr-2210	314	2	’	’	PART
bjmsr-2210	314	3	attitudes	attitude	NOUN
bjmsr-2210	314	4	towards	towards	ADP
bjmsr-2210	314	5	social	social	ADJ
bjmsr-2210	314	6	media	medium	NOUN
bjmsr-2210	314	7	banking	banking	NOUN
bjmsr-2210	314	8	.	.	PUNCT
bjmsr-2210	315	1	in	in	ADP
bjmsr-2210	315	2	social	social	ADJ
bjmsr-2210	315	3	media	medium	NOUN
bjmsr-2210	315	4	:	:	PUNCT
bjmsr-2210	315	5	the	the	DET
bjmsr-2210	315	6	good	good	NOUN
bjmsr-2210	315	7	,	,	PUNCT
bjmsr-2210	315	8	the	the	DET
bjmsr-2210	315	9	bad	bad	ADJ
bjmsr-2210	315	10	,	,	PUNCT
bjmsr-2210	315	11	and	and	CCONJ
bjmsr-2210	315	12	the	the	DET
bjmsr-2210	315	13	ugly	ugly	ADJ
bjmsr-2210	315	14	(	(	PUNCT
bjmsr-2210	315	15	vol	vol	NOUN
bjmsr-2210	315	16	.	.	NOUN
bjmsr-2210	315	17	9844	9844	NUM
bjmsr-2210	315	18	,	,	PUNCT
bjmsr-2210	315	19	pp	pp	ADJ
bjmsr-2210	315	20	.	.	PUNCT
bjmsr-2210	316	1	717–727	717–727	NUM
bjmsr-2210	316	2	)	)	PUNCT
bjmsr-2210	316	3	.	.	PUNCT
bjmsr-2210	317	1	springer	springer	NOUN
bjmsr-2210	317	2	international	international	ADJ
bjmsr-2210	317	3	publishing	publishing	NOUN
bjmsr-2210	317	4	.	.	PUNCT
bjmsr-2210	318	1	https://doi.org/10.1007/978-3319-45234-0_65	https://doi.org/10.1007/978-3319-45234-0_65	PUNCT
bjmsr-2210	318	2	malkawi	malkawi	PROPN
bjmsr-2210	318	3	,	,	PUNCT
bjmsr-2210	318	4	h.	h.	PROPN
bjmsr-2210	318	5	a.	a.	PROPN
bjmsr-2210	318	6	n.	n.	PROPN
bjmsr-2210	318	7	a.	a.	PROPN
bjmsr-2210	318	8	,	,	PUNCT
bjmsr-2210	318	9	mansumitrchai	mansumitrchai	NOUN
bjmsr-2210	318	10	,	,	PUNCT
bjmsr-2210	318	11	s.	s.	PROPN
bjmsr-2210	318	12	,	,	PUNCT
bjmsr-2210	318	13	&	&	CCONJ
bjmsr-2210	318	14	habib	habib	PROPN
bjmsr-2210	318	15	,	,	PUNCT
bjmsr-2210	318	16	m.	m.	NOUN
bjmsr-2210	318	17	a.	a.	NOUN
bjmsr-2210	318	18	(	(	PUNCT
bjmsr-2210	318	19	2016	2016	NUM
bjmsr-2210	318	20	)	)	PUNCT
bjmsr-2210	318	21	.	.	PUNCT
bjmsr-2210	319	1	online	online	ADJ
bjmsr-2210	319	2	banking	banking	NOUN
bjmsr-2210	319	3	in	in	ADP
bjmsr-2210	319	4	an	an	DET
bjmsr-2210	319	5	emerging	emerge	VERB
bjmsr-2210	319	6	market	market	NOUN
bjmsr-2210	319	7	:	:	PUNCT
bjmsr-2210	319	8	evidence	evidence	NOUN
bjmsr-2210	319	9	from	from	ADP
bjmsr-2210	319	10	saudi	saudi	PROPN
bjmsr-2210	319	11	arabia	arabia	PROPN
bjmsr-2210	319	12	.	.	PUNCT
bjmsr-2210	320	1	international	international	ADJ
bjmsr-2210	320	2	journal	journal	PROPN
bjmsr-2210	320	3	of	of	ADP
bjmsr-2210	320	4	electronic	electronic	ADJ
bjmsr-2210	320	5	finance	finance	NOUN
bjmsr-2210	320	6	,	,	PUNCT
bjmsr-2210	320	7	9(1	9(1	NUM
bjmsr-2210	320	8	)	)	PUNCT
bjmsr-2210	320	9	,	,	PUNCT
bjmsr-2210	320	10	1	1	NUM
bjmsr-2210	320	11	-	-	SYM
bjmsr-2210	320	12	17	17	NUM
bjmsr-2210	320	13	.	.	PUNCT
bjmsr-2210	321	1	https://doi.org/10.1504/ijef.2016.083498	https://doi.org/10.1504/ijef.2016.083498	PROPN
bjmsr-2210	321	2	masuda	masuda	PROPN
bjmsr-2210	321	3	,	,	PUNCT
bjmsr-2210	321	4	h.	h.	PROPN
bjmsr-2210	321	5	,	,	PUNCT
bjmsr-2210	321	6	han	han	PROPN
bjmsr-2210	321	7	,	,	PUNCT
bjmsr-2210	321	8	s.	s.	PROPN
bjmsr-2210	321	9	h.	h.	PROPN
bjmsr-2210	321	10	,	,	PUNCT
bjmsr-2210	321	11	&	&	CCONJ
bjmsr-2210	321	12	lee	lee	PROPN
bjmsr-2210	321	13	,	,	PUNCT
bjmsr-2210	321	14	j.	j.	PROPN
bjmsr-2210	321	15	(	(	PUNCT
bjmsr-2210	321	16	2022	2022	NUM
bjmsr-2210	321	17	)	)	PUNCT
bjmsr-2210	321	18	.	.	PUNCT
bjmsr-2210	322	1	impacts	impact	NOUN
bjmsr-2210	322	2	of	of	ADP
bjmsr-2210	322	3	influencer	influencer	NOUN
bjmsr-2210	322	4	attributes	attribute	VERB
bjmsr-2210	322	5	on	on	ADP
bjmsr-2210	322	6	purchase	purchase	NOUN
bjmsr-2210	322	7	intentions	intention	NOUN
bjmsr-2210	322	8	in	in	ADP
bjmsr-2210	322	9	social	social	ADJ
bjmsr-2210	322	10	media	medium	NOUN
bjmsr-2210	322	11	influencer	influencer	NOUN
bjmsr-2210	322	12	marketing	marketing	NOUN
bjmsr-2210	322	13	:	:	PUNCT
bjmsr-2210	322	14	mediating	mediate	VERB
bjmsr-2210	322	15	roles	role	NOUN
bjmsr-2210	322	16	of	of	ADP
bjmsr-2210	322	17	characterizations	characterization	NOUN
bjmsr-2210	322	18	.	.	PUNCT
bjmsr-2210	323	1	technological	technological	ADJ
bjmsr-2210	323	2	forecasting	forecasting	NOUN
bjmsr-2210	323	3	and	and	CCONJ
bjmsr-2210	323	4	social	social	ADJ
bjmsr-2210	323	5	change	change	NOUN
bjmsr-2210	323	6	,	,	PUNCT
bjmsr-2210	323	7	174	174	NUM
bjmsr-2210	323	8	,	,	PUNCT
bjmsr-2210	323	9	121246	121246	NUM
bjmsr-2210	323	10	.	.	PUNCT
bjmsr-2210	324	1	https://doi.org/10.1016/j.techfore.2021.121246	https://doi.org/10.1016/j.techfore.2021.121246	PROPN
bjmsr-2210	324	2	mutero	mutero	NOUN
bjmsr-2210	324	3	,	,	PUNCT
bjmsr-2210	324	4	w.	w.	PROPN
bjmsr-2210	324	5	n.	n.	PROPN
bjmsr-2210	324	6	(	(	PUNCT
bjmsr-2210	324	7	2014	2014	NUM
bjmsr-2210	324	8	)	)	PUNCT
bjmsr-2210	324	9	.	.	PUNCT
bjmsr-2210	325	1	effect	effect	NOUN
bjmsr-2210	325	2	of	of	ADP
bjmsr-2210	325	3	social	social	ADJ
bjmsr-2210	325	4	media	medium	NOUN
bjmsr-2210	325	5	interactions	interaction	NOUN
bjmsr-2210	325	6	on	on	ADP
bjmsr-2210	325	7	the	the	DET
bjmsr-2210	325	8	financial	financial	ADJ
bjmsr-2210	325	9	performance	performance	NOUN
bjmsr-2210	325	10	of	of	ADP
bjmsr-2210	325	11	commercial	commercial	ADJ
bjmsr-2210	325	12	banks	bank	NOUN
bjmsr-2210	325	13	in	in	ADP
bjmsr-2210	325	14	kenya	kenya	PROPN
bjmsr-2210	325	15	[	[	X
bjmsr-2210	325	16	phd	phd	NOUN
bjmsr-2210	325	17	thesis	thesis	NOUN
bjmsr-2210	325	18	,	,	PUNCT
bjmsr-2210	325	19	university	university	NOUN
bjmsr-2210	325	20	of	of	ADP
bjmsr-2210	325	21	nairobi	nairobi	PROPN
bjmsr-2210	325	22	]	]	PUNCT
bjmsr-2210	325	23	.	.	PUNCT
bjmsr-2210	326	1	retrieved	retrieve	VERB
bjmsr-2210	326	2	from	from	ADP
bjmsr-2210	326	3	http://erepository.uonbi.ac.ke/handle/11295/74826	http://erepository.uonbi.ac.ke/handle/11295/74826	PROPN
bjmsr-2210	326	4	parusheva	parusheva	PROPN
bjmsr-2210	326	5	,	,	PUNCT
bjmsr-2210	326	6	s.	s.	PROPN
bjmsr-2210	326	7	(	(	PUNCT
bjmsr-2210	326	8	2019	2019	NUM
bjmsr-2210	326	9	)	)	PUNCT
bjmsr-2210	326	10	.	.	PUNCT
bjmsr-2210	327	1	social	social	ADJ
bjmsr-2210	327	2	media	medium	NOUN
bjmsr-2210	327	3	banking	banking	NOUN
bjmsr-2210	327	4	usage	usage	NOUN
bjmsr-2210	327	5	from	from	ADP
bjmsr-2210	327	6	banks	bank	NOUN
bjmsr-2210	327	7	’	'	PUNCT
bjmsr-2210	327	8	perspective	perspective	NOUN
bjmsr-2210	327	9	.	.	PUNCT
bjmsr-2210	328	1	international	international	ADJ
bjmsr-2210	328	2	journal	journal	NOUN
bjmsr-2210	328	3	of	of	ADP
bjmsr-2210	328	4	e	e	PROPN
bjmsr-2210	328	5	-	-	NOUN
bjmsr-2210	328	6	business	business	ADJ
bjmsr-2210	328	7	research	research	NOUN
bjmsr-2210	328	8	(	(	PUNCT
bjmsr-2210	328	9	ijebr	ijebr	PROPN
bjmsr-2210	328	10	)	)	PUNCT
bjmsr-2210	328	11	,	,	PUNCT
bjmsr-2210	328	12	15(1	15(1	NUM
bjmsr-2210	328	13	)	)	PUNCT
bjmsr-2210	328	14	,	,	PUNCT
bjmsr-2210	328	15	38–54	38–54	NUM
bjmsr-2210	328	16	.	.	PUNCT
bjmsr-2210	329	1	https://doi.org/10.4018/ijebr.2019010103	https://doi.org/10.4018/ijebr.2019010103	X
bjmsr-2210	329	2	saleem	saleem	NOUN
bjmsr-2210	329	3	,	,	PUNCT
bjmsr-2210	329	4	m.	m.	NOUN
bjmsr-2210	329	5	,	,	PUNCT
bjmsr-2210	329	6	khan	khan	PROPN
bjmsr-2210	329	7	,	,	PUNCT
bjmsr-2210	329	8	s.	s.	PROPN
bjmsr-2210	329	9	a.	a.	PROPN
bjmsr-2210	329	10	,	,	PUNCT
bjmsr-2210	329	11	al	al	PROPN
bjmsr-2210	329	12	shamsi	shamsi	PROPN
bjmsr-2210	329	13	,	,	PUNCT
bjmsr-2210	329	14	i.	i.	PROPN
bjmsr-2210	329	15	r.	r.	PROPN
bjmsr-2210	329	16	,	,	PUNCT
bjmsr-2210	329	17	&	&	CCONJ
bjmsr-2210	329	18	magd	magd	PROPN
bjmsr-2210	329	19	,	,	PUNCT
bjmsr-2210	329	20	h.	h.	PROPN
bjmsr-2210	329	21	(	(	PUNCT
bjmsr-2210	329	22	2023	2023	NUM
bjmsr-2210	329	23	)	)	PUNCT
bjmsr-2210	329	24	.	.	PUNCT
bjmsr-2210	330	1	digital	digital	ADJ
bjmsr-2210	330	2	marketing	marketing	NOUN
bjmsr-2210	330	3	through	through	ADP
bjmsr-2210	330	4	social	social	ADJ
bjmsr-2210	330	5	media	medium	NOUN
bjmsr-2210	330	6	best	good	ADJ
bjmsr-2210	330	7	practices	practice	NOUN
bjmsr-2210	330	8	:	:	PUNCT
bjmsr-2210	330	9	a	a	DET
bjmsr-2210	330	10	case	case	NOUN
bjmsr-2210	330	11	study	study	NOUN
bjmsr-2210	330	12	of	of	ADP
bjmsr-2210	330	13	heis	heis	PROPN
bjmsr-2210	330	14	in	in	ADP
bjmsr-2210	330	15	the	the	DET
bjmsr-2210	330	16	gcc	gcc	NOUN
bjmsr-2210	330	17	region	region	NOUN
bjmsr-2210	330	18	.	.	PUNCT
bjmsr-2210	331	1	in	in	ADP
bjmsr-2210	331	2	global	global	ADJ
bjmsr-2210	331	3	applications	application	NOUN
bjmsr-2210	331	4	of	of	ADP
bjmsr-2210	331	5	the	the	DET
bjmsr-2210	331	6	internet	internet	NOUN
bjmsr-2210	331	7	of	of	ADP
bjmsr-2210	331	8	things	thing	NOUN
bjmsr-2210	331	9	in	in	ADP
bjmsr-2210	331	10	digital	digital	ADJ
bjmsr-2210	331	11	marketing	marketing	NOUN
bjmsr-2210	331	12	(	(	PUNCT
bjmsr-2210	331	13	pp	pp	ADJ
bjmsr-2210	331	14	.	.	PUNCT
bjmsr-2210	331	15	17–30	17–30	NUM
bjmsr-2210	331	16	)	)	PUNCT
bjmsr-2210	331	17	.	.	PUNCT
bjmsr-2210	332	1	igi	igi	PROPN
bjmsr-2210	332	2	global	global	PROPN
bjmsr-2210	332	3	.	.	PUNCT
bjmsr-2210	333	1	https://doi.org/10.4018/978-1-6684-8166-0.ch002	https://doi.org/10.4018/978-1-6684-8166-0.ch002	PROPN
bjmsr-2210	333	2	sharma	sharma	PROPN
bjmsr-2210	333	3	,	,	PUNCT
bjmsr-2210	333	4	m.	m.	NOUN
bjmsr-2210	333	5	,	,	PUNCT
bjmsr-2210	333	6	banerjee	banerjee	PROPN
bjmsr-2210	333	7	,	,	PUNCT
bjmsr-2210	333	8	s.	s.	PROPN
bjmsr-2210	333	9	,	,	PUNCT
bjmsr-2210	333	10	&	&	CCONJ
bjmsr-2210	333	11	paul	paul	PROPN
bjmsr-2210	333	12	,	,	PUNCT
bjmsr-2210	333	13	j.	j.	PROPN
bjmsr-2210	333	14	(	(	PUNCT
bjmsr-2210	333	15	2022	2022	NUM
bjmsr-2210	333	16	)	)	PUNCT
bjmsr-2210	333	17	.	.	PUNCT
bjmsr-2210	334	1	role	role	NOUN
bjmsr-2210	334	2	of	of	ADP
bjmsr-2210	334	3	social	social	ADJ
bjmsr-2210	334	4	media	medium	NOUN
bjmsr-2210	334	5	on	on	ADP
bjmsr-2210	334	6	mobile	mobile	ADJ
bjmsr-2210	334	7	banking	banking	NOUN
bjmsr-2210	334	8	adoption	adoption	NOUN
bjmsr-2210	334	9	among	among	ADP
bjmsr-2210	334	10	consumers	consumer	NOUN
bjmsr-2210	334	11	.	.	PUNCT
bjmsr-2210	335	1	technological	technological	ADJ
bjmsr-2210	335	2	forecasting	forecasting	NOUN
bjmsr-2210	335	3	and	and	CCONJ
bjmsr-2210	335	4	social	social	ADJ
bjmsr-2210	335	5	change	change	NOUN
bjmsr-2210	335	6	,	,	PUNCT
bjmsr-2210	335	7	180	180	NUM
bjmsr-2210	335	8	,	,	PUNCT
bjmsr-2210	335	9	121720	121720	NUM
bjmsr-2210	335	10	.	.	PUNCT
bjmsr-2210	336	1	https://doi.org/10.1016/j.techfore.2022.121720	https://doi.org/10.1016/j.techfore.2022.121720	PROPN
bjmsr-2210	336	2	sharma	sharma	PROPN
bjmsr-2210	336	3	,	,	PUNCT
bjmsr-2210	336	4	n.	n.	PROPN
bjmsr-2210	336	5	,	,	PUNCT
bjmsr-2210	336	6	khatri	khatri	PROPN
bjmsr-2210	336	7	,	,	PUNCT
bjmsr-2210	336	8	b.	b.	PROPN
bjmsr-2210	336	9	,	,	PUNCT
bjmsr-2210	336	10	khan	khan	PROPN
bjmsr-2210	336	11	,	,	PUNCT
bjmsr-2210	336	12	s.	s.	PROPN
bjmsr-2210	336	13	a.	a.	PROPN
bjmsr-2210	336	14	,	,	PUNCT
bjmsr-2210	336	15	&	&	CCONJ
bjmsr-2210	336	16	shamsi	shamsi	PROPN
bjmsr-2210	336	17	,	,	PUNCT
bjmsr-2210	336	18	m.	m.	NOUN
bjmsr-2210	336	19	s.	s.	PROPN
bjmsr-2210	336	20	(	(	PUNCT
bjmsr-2210	336	21	2023	2023	NUM
bjmsr-2210	336	22	)	)	PUNCT
bjmsr-2210	336	23	.	.	PUNCT
bjmsr-2210	337	1	extending	extend	VERB
bjmsr-2210	337	2	the	the	DET
bjmsr-2210	337	3	utaut	utaut	PROPN
bjmsr-2210	337	4	model	model	NOUN
bjmsr-2210	337	5	to	to	PART
bjmsr-2210	337	6	examine	examine	VERB
bjmsr-2210	337	7	the	the	DET
bjmsr-2210	337	8	influence	influence	NOUN
bjmsr-2210	337	9	of	of	ADP
bjmsr-2210	337	10	social	social	ADJ
bjmsr-2210	337	11	media	medium	NOUN
bjmsr-2210	337	12	on	on	ADP
bjmsr-2210	337	13	tourists	tourist	NOUN
bjmsr-2210	337	14	’	’	PART
bjmsr-2210	337	15	destination	destination	NOUN
bjmsr-2210	337	16	selection	selection	NOUN
bjmsr-2210	337	17	.	.	PUNCT
bjmsr-2210	338	1	indian	indian	PROPN
bjmsr-2210	338	2	journal	journal	PROPN
bjmsr-2210	338	3	of	of	ADP
bjmsr-2210	338	4	marketing	marketing	NOUN
bjmsr-2210	338	5	,	,	PUNCT
bjmsr-2210	338	6	53(4	53(4	NOUN
bjmsr-2210	338	7	)	)	PUNCT
bjmsr-2210	338	8	,	,	PUNCT
bjmsr-2210	338	9	47–64	47–64	PROPN
bjmsr-2210	338	10	.	.	PUNCT
bjmsr-2210	339	1	https://doi.org/10.17010/ijom/2023/v53/i4/172689	https://doi.org/10.17010/ijom/2023/v53/i4/172689	PROPN
bjmsr-2210	339	2	sharma	sharma	PROPN
bjmsr-2210	339	3	,	,	PUNCT
bjmsr-2210	339	4	s.	s.	PROPN
bjmsr-2210	339	5	(	(	PUNCT
bjmsr-2210	339	6	2023	2023	NUM
bjmsr-2210	339	7	)	)	PUNCT
bjmsr-2210	339	8	.	.	PUNCT
bjmsr-2210	340	1	e	e	X
bjmsr-2210	340	2	-	-	ADJ
bjmsr-2210	340	3	banking	banking	ADJ
bjmsr-2210	340	4	seravices	seravice	NOUN
bjmsr-2210	340	5	and	and	CCONJ
bjmsr-2210	340	6	bank	bank	NOUN
bjmsr-2210	340	7	performance	performance	NOUN
bjmsr-2210	340	8	:	:	PUNCT
bjmsr-2210	340	9	perspective	perspective	NOUN
bjmsr-2210	340	10	from	from	ADP
bjmsr-2210	340	11	india	india	PROPN
bjmsr-2210	340	12	.	.	PUNCT
bjmsr-2210	341	1	international	international	ADJ
bjmsr-2210	341	2	journal	journal	PROPN
bjmsr-2210	341	3	of	of	ADP
bjmsr-2210	341	4	electronic	electronic	ADJ
bjmsr-2210	341	5	finance	finance	NOUN
bjmsr-2210	341	6	,	,	PUNCT
bjmsr-2210	341	7	12(2	12(2	NUM
bjmsr-2210	341	8	)	)	PUNCT
bjmsr-2210	341	9	,	,	PUNCT
bjmsr-2210	341	10	176	176	NUM
bjmsr-2210	341	11	.	.	PUNCT
bjmsr-2210	342	1	https://doi.org/10.1504/ijef.2023.129921	https://doi.org/10.1504/ijef.2023.129921	NOUN
bjmsr-2210	342	2	sreejesh	sreejesh	NOUN
bjmsr-2210	342	3	,	,	PUNCT
bjmsr-2210	342	4	s.	s.	PROPN
bjmsr-2210	342	5	,	,	PUNCT
bjmsr-2210	342	6	paul	paul	PROPN
bjmsr-2210	342	7	,	,	PUNCT
bjmsr-2210	342	8	j.	j.	PROPN
bjmsr-2210	342	9	,	,	PUNCT
bjmsr-2210	342	10	strong	strong	ADJ
bjmsr-2210	342	11	,	,	PUNCT
bjmsr-2210	342	12	c.	c.	PROPN
bjmsr-2210	342	13	,	,	PUNCT
bjmsr-2210	342	14	&	&	CCONJ
bjmsr-2210	342	15	pius	pius	PROPN
bjmsr-2210	342	16	,	,	PUNCT
bjmsr-2210	342	17	j.	j.	PROPN
bjmsr-2210	342	18	(	(	PUNCT
bjmsr-2210	342	19	2020	2020	NUM
bjmsr-2210	342	20	)	)	PUNCT
bjmsr-2210	342	21	.	.	PUNCT
bjmsr-2210	343	1	consumer	consumer	NOUN
bjmsr-2210	343	2	response	response	NOUN
bjmsr-2210	343	3	towards	towards	ADP
bjmsr-2210	343	4	social	social	ADJ
bjmsr-2210	343	5	media	medium	NOUN
bjmsr-2210	343	6	advertising	advertising	NOUN
bjmsr-2210	343	7	:	:	PUNCT
bjmsr-2210	343	8	effect	effect	NOUN
bjmsr-2210	343	9	of	of	ADP
bjmsr-2210	343	10	media	medium	NOUN
bjmsr-2210	343	11	interactivity	interactivity	NOUN
bjmsr-2210	343	12	,	,	PUNCT
bjmsr-2210	343	13	its	its	PRON
bjmsr-2210	343	14	conditions	condition	NOUN
bjmsr-2210	343	15	and	and	CCONJ
bjmsr-2210	343	16	the	the	DET
bjmsr-2210	343	17	underlying	underlying	ADJ
bjmsr-2210	343	18	mechanism	mechanism	NOUN
bjmsr-2210	343	19	.	.	PUNCT
bjmsr-2210	344	1	international	international	ADJ
bjmsr-2210	344	2	journal	journal	PROPN
bjmsr-2210	344	3	of	of	ADP
bjmsr-2210	344	4	information	information	NOUN
bjmsr-2210	344	5	management	management	NOUN
bjmsr-2210	344	6	,	,	PUNCT
bjmsr-2210	344	7	54	54	NUM
bjmsr-2210	344	8	,	,	PUNCT
bjmsr-2210	344	9	102155	102155	NUM
bjmsr-2210	344	10	.	.	PUNCT
bjmsr-2210	345	1	https://doi.org/10.1016/j.ijinfomgt.2020.102155	https://doi.org/10.1016/j.ijinfomgt.2020.102155	ADJ
bjmsr-2210	345	2	swami	swami	PROPN
bjmsr-2210	345	3	,	,	PUNCT
bjmsr-2210	345	4	o.	o.	PROPN
bjmsr-2210	345	5	s.	s.	PROPN
bjmsr-2210	345	6	,	,	PUNCT
bjmsr-2210	345	7	nethaji	nethaji	PROPN
bjmsr-2210	345	8	,	,	PUNCT
bjmsr-2210	345	9	b.	b.	PROPN
bjmsr-2210	345	10	,	,	PUNCT
bjmsr-2210	345	11	&	&	CCONJ
bjmsr-2210	345	12	sharma	sharma	PROPN
bjmsr-2210	345	13	,	,	PUNCT
bjmsr-2210	345	14	j.	j.	PROPN
bjmsr-2210	345	15	p.	p.	PROPN
bjmsr-2210	345	16	(	(	PUNCT
bjmsr-2210	345	17	2018	2018	NUM
bjmsr-2210	345	18	)	)	PUNCT
bjmsr-2210	345	19	.	.	PUNCT
bjmsr-2210	346	1	facebook	facebook	PROPN
bjmsr-2210	346	2	adoption	adoption	NOUN
bjmsr-2210	346	3	in	in	ADP
bjmsr-2210	346	4	indian	indian	ADJ
bjmsr-2210	346	5	banks	bank	NOUN
bjmsr-2210	346	6	:	:	PUNCT
bjmsr-2210	346	7	an	an	DET
bjmsr-2210	346	8	empirical	empirical	ADJ
bjmsr-2210	346	9	investigation	investigation	NOUN
bjmsr-2210	346	10	.	.	PUNCT
bjmsr-2210	347	1	vision	vision	NOUN
bjmsr-2210	347	2	:	:	PUNCT
bjmsr-2210	347	3	the	the	DET
bjmsr-2210	347	4	journal	journal	NOUN
bjmsr-2210	347	5	of	of	ADP
bjmsr-2210	347	6	business	business	PROPN
bjmsr-2210	347	7	perspective	perspective	NOUN
bjmsr-2210	347	8	,	,	PUNCT
bjmsr-2210	347	9	22(4	22(4	NUM
bjmsr-2210	347	10	)	)	PUNCT
bjmsr-2210	347	11	,	,	PUNCT
bjmsr-2210	347	12	356–364	356–364	NUM
bjmsr-2210	347	13	.	.	PUNCT
bjmsr-2210	348	1	https://doi.org/10.1177/0972262918803486	https://doi.org/10.1177/0972262918803486	VERB
bjmsr-2210	348	2	yadav	yadav	NOUN
bjmsr-2210	348	3	,	,	PUNCT
bjmsr-2210	348	4	m.	m.	NOUN
bjmsr-2210	348	5	(	(	PUNCT
bjmsr-2210	348	6	2017	2017	NUM
bjmsr-2210	348	7	)	)	PUNCT
bjmsr-2210	348	8	.	.	PUNCT
bjmsr-2210	349	1	social	social	ADJ
bjmsr-2210	349	2	media	medium	NOUN
bjmsr-2210	349	3	as	as	ADP
bjmsr-2210	349	4	a	a	DET
bjmsr-2210	349	5	marketing	marketing	NOUN
bjmsr-2210	349	6	tool	tool	NOUN
bjmsr-2210	349	7	:	:	PUNCT
bjmsr-2210	349	8	opportunities	opportunity	NOUN
bjmsr-2210	349	9	and	and	CCONJ
bjmsr-2210	349	10	challenges	challenge	NOUN
bjmsr-2210	349	11	.	.	PUNCT
bjmsr-2210	350	1	indian	indian	ADJ
bjmsr-2210	350	2	journal	journal	PROPN
bjmsr-2210	350	3	of	of	ADP
bjmsr-2210	350	4	marketing	marketing	NOUN
bjmsr-2210	350	5	,	,	PUNCT
bjmsr-2210	350	6	47(3	47(3	NUM
bjmsr-2210	350	7	)	)	PUNCT
bjmsr-2210	350	8	,	,	PUNCT
bjmsr-2210	350	9	16	16	NUM
bjmsr-2210	350	10	–	–	SYM
bjmsr-2210	350	11	28	28	NUM
bjmsr-2210	350	12	.	.	PUNCT
bjmsr-2210	351	1	https://doi.org/10.17010/ijom/2017/v47/i3/111420	https://doi.org/10.17010/ijom/2017/v47/i3/111420	ADJ
bjmsr-2210	351	2	publisher	publisher	NOUN
bjmsr-2210	351	3	’s	’s	PART
bjmsr-2210	351	4	note	note	NOUN
bjmsr-2210	351	5	:	:	PUNCT
bjmsr-2210	351	6	cribfb	cribfb	PROPN
bjmsr-2210	351	7	stays	stay	VERB
bjmsr-2210	351	8	neutral	neutral	ADJ
bjmsr-2210	351	9	with	with	ADP
bjmsr-2210	351	10	regard	regard	NOUN
bjmsr-2210	351	11	to	to	ADP
bjmsr-2210	351	12	jurisdictional	jurisdictional	ADJ
bjmsr-2210	351	13	claims	claim	NOUN
bjmsr-2210	351	14	in	in	ADP
bjmsr-2210	351	15	published	publish	VERB
bjmsr-2210	351	16	maps	map	NOUN
bjmsr-2210	351	17	and	and	CCONJ
bjmsr-2210	351	18	institutional	institutional	ADJ
bjmsr-2210	351	19	affiliations	affiliation	NOUN
bjmsr-2210	351	20	.	.	PUNCT
bjmsr-2210	352	1	©	©	ADP
bjmsr-2210	352	2	2024	2024	NUM
bjmsr-2210	352	3	by	by	ADP
bjmsr-2210	352	4	the	the	DET
bjmsr-2210	352	5	authors	author	NOUN
bjmsr-2210	352	6	.	.	PUNCT
bjmsr-2210	353	1	licensee	licensee	PROPN
bjmsr-2210	353	2	cribfb	cribfb	PROPN
bjmsr-2210	353	3	,	,	PUNCT
bjmsr-2210	353	4	usa	usa	PROPN
bjmsr-2210	353	5	.	.	PROPN
bjmsr-2210	354	1	this	this	DET
bjmsr-2210	354	2	open	open	ADJ
bjmsr-2210	354	3	-	-	PUNCT
bjmsr-2210	354	4	access	access	NOUN
bjmsr-2210	354	5	article	article	NOUN
bjmsr-2210	354	6	is	be	AUX
bjmsr-2210	354	7	distributed	distribute	VERB
bjmsr-2210	354	8	under	under	ADP
bjmsr-2210	354	9	the	the	DET
bjmsr-2210	354	10	terms	term	NOUN
bjmsr-2210	354	11	and	and	CCONJ
bjmsr-2210	354	12	conditions	condition	NOUN
bjmsr-2210	354	13	of	of	ADP
bjmsr-2210	354	14	the	the	DET
bjmsr-2210	354	15	creative	creative	ADJ
bjmsr-2210	354	16	commons	common	NOUN
bjmsr-2210	354	17	attribution	attribution	NOUN
bjmsr-2210	354	18	(	(	PUNCT
bjmsr-2210	354	19	cc	cc	NOUN
bjmsr-2210	354	20	by	by	ADP
bjmsr-2210	354	21	)	)	PUNCT
bjmsr-2210	354	22	license	license	NOUN
bjmsr-2210	354	23	(	(	PUNCT
bjmsr-2210	354	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2210	354	25	)	)	PUNCT
bjmsr-2210	354	26	.	.	PUNCT
bjmsr-2210	355	1	bangladesh	bangladesh	PROPN
bjmsr-2210	355	2	journal	journal	PROPN
bjmsr-2210	355	3	of	of	ADP
bjmsr-2210	355	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2210	355	5	scientific	scientific	ADJ
bjmsr-2210	355	6	research	research	NOUN
bjmsr-2210	355	7	(	(	PUNCT
bjmsr-2210	355	8	p	p	NOUN
bjmsr-2210	355	9	-	-	PUNCT
bjmsr-2210	355	10	issn	issn	PROPN
bjmsr-2210	355	11	2687	2687	NUM
bjmsr-2210	355	12	-	-	PUNCT
bjmsr-2210	355	13	850x	850x	NUM
bjmsr-2210	355	14	e	e	NOUN
bjmsr-2210	355	15	-	-	PROPN
bjmsr-2210	355	16	issn	issn	PROPN
bjmsr-2210	355	17	2687	2687	NUM
bjmsr-2210	355	18	-	-	SYM
bjmsr-2210	355	19	8518	8518	NUM
bjmsr-2210	355	20	)	)	PUNCT
bjmsr-2210	355	21	by	by	ADP
bjmsr-2210	355	22	cribfb	cribfb	PROPN
bjmsr-2210	355	23	is	be	AUX
bjmsr-2210	355	24	licensed	license	VERB
bjmsr-2210	355	25	under	under	ADP
bjmsr-2210	355	26	a	a	DET
bjmsr-2210	355	27	creative	creative	ADJ
bjmsr-2210	355	28	commons	common	NOUN
bjmsr-2210	355	29	attribution	attribution	NOUN
bjmsr-2210	355	30	4.0	4.0	NUM
bjmsr-2210	355	31	international	international	ADJ
bjmsr-2210	355	32	license	license	NOUN
bjmsr-2210	355	33	.	.	PUNCT
bjmsr-2210	356	1	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	X
bjmsr-2210	356	2	)	)	PUNCT
bjmsr-2210	356	3	.	.	PUNCT
bjmsr-2210	357	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2210	357	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2210	357	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN