id	sid	tid	token	lemma	pos
bjmsr-2231	1	1	bangladesh	bangladesh	PROPN
bjmsr-2231	1	2	journal	journal	PROPN
bjmsr-2231	1	3	of	of	ADP
bjmsr-2231	1	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	1	5	scientific	scientific	ADJ
bjmsr-2231	1	6	research	research	NOUN
bjmsr-2231	1	7	9(3	9(3	NUM
bjmsr-2231	1	8	)	)	PUNCT
bjmsr-2231	1	9	(	(	PUNCT
bjmsr-2231	1	10	2024	2024	NUM
bjmsr-2231	1	11	)	)	PUNCT
bjmsr-2231	1	12	,	,	PUNCT
bjmsr-2231	1	13	33	33	NUM
bjmsr-2231	1	14	-	-	SYM
bjmsr-2231	1	15	41	41	NUM
bjmsr-2231	1	16	33	33	NUM
bjmsr-2231	1	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	1	18	scientific	scientific	ADJ
bjmsr-2231	1	19	research	research	NOUN
bjmsr-2231	1	20	bjmsr	bjmsr	NOUN
bjmsr-2231	1	21	vol	vol	VERB
bjmsr-2231	1	22	9	9	NUM
bjmsr-2231	1	23	no	no	DET
bjmsr-2231	1	24	3	3	NUM
bjmsr-2231	1	25	(	(	PUNCT
bjmsr-2231	1	26	2024	2024	NUM
bjmsr-2231	1	27	)	)	PUNCT
bjmsr-2231	1	28	p	p	X
bjmsr-2231	1	29	-	-	PUNCT
bjmsr-2231	1	30	issn	issn	PROPN
bjmsr-2231	1	31	2687	2687	NUM
bjmsr-2231	1	32	-	-	PUNCT
bjmsr-2231	1	33	850x	850x	NUM
bjmsr-2231	1	34	e	e	NOUN
bjmsr-2231	1	35	-	-	PROPN
bjmsr-2231	1	36	issn	issn	PROPN
bjmsr-2231	1	37	2687	2687	NUM
bjmsr-2231	1	38	-	-	SYM
bjmsr-2231	1	39	8518	8518	NUM
bjmsr-2231	1	40	available	available	ADJ
bjmsr-2231	1	41	online	online	ADV
bjmsr-2231	1	42	at	at	ADP
bjmsr-2231	1	43	https://www.cribfb.com	https://www.cribfb.com	X
bjmsr-2231	1	44	journal	journal	PROPN
bjmsr-2231	1	45	homepage	homepage	NOUN
bjmsr-2231	1	46	:	:	PUNCT
bjmsr-2231	1	47	https://www.cribfb.com/journal/index.php/bjmsr	https://www.cribfb.com/journal/index.php/bjmsr	NOUN
bjmsr-2231	1	48	published	publish	VERB
bjmsr-2231	1	49	by	by	ADP
bjmsr-2231	1	50	cribfb	cribfb	PROPN
bjmsr-2231	1	51	,	,	PUNCT
bjmsr-2231	1	52	usa	usa	PROPN
bjmsr-2231	1	53	unravelling	unravel	VERB
bjmsr-2231	1	54	the	the	DET
bjmsr-2231	1	55	determinants	determinant	NOUN
bjmsr-2231	1	56	of	of	ADP
bjmsr-2231	1	57	social	social	ADJ
bjmsr-2231	1	58	media	medium	NOUN
bjmsr-2231	1	59	payment	payment	NOUN
bjmsr-2231	1	60	platform	platform	NOUN
bjmsr-2231	1	61	(	(	PUNCT
bjmsr-2231	1	62	smpp	smpp	PROPN
bjmsr-2231	1	63	)	)	PUNCT
bjmsr-2231	1	64	usage	usage	NOUN
bjmsr-2231	1	65	:	:	PUNCT
bjmsr-2231	1	66	a	a	DET
bjmsr-2231	1	67	qualitative	qualitative	ADJ
bjmsr-2231	1	68	study	study	NOUN
bjmsr-2231	1	69	on	on	ADP
bjmsr-2231	1	70	user	user	NOUN
bjmsr-2231	1	71	intentions	intention	NOUN
bjmsr-2231	1	72	and	and	CCONJ
bjmsr-2231	1	73	adoption	adoption	NOUN
bjmsr-2231	1	74	lata	lata	VERB
bjmsr-2231	1	75	kumari	kumari	PROPN
bjmsr-2231	1	76	pandey	pandey	PROPN
bjmsr-2231	1	77	(	(	PUNCT
bjmsr-2231	1	78	a)1	a)1	PROPN
bjmsr-2231	1	79	jayashree	jayashree	PROPN
bjmsr-2231	1	80	bhattacharjee	bhattacharjee	PROPN
bjmsr-2231	1	81	(	(	PUNCT
bjmsr-2231	1	82	b	b	NOUN
bjmsr-2231	1	83	)	)	PUNCT
bjmsr-2231	1	84	ranjit	ranjit	VERB
bjmsr-2231	1	85	singh	singh	PROPN
bjmsr-2231	1	86	(	(	PUNCT
bjmsr-2231	1	87	c	c	X
bjmsr-2231	1	88	)	)	PUNCT
bjmsr-2231	1	89	ambrish	ambrish	VERB
bjmsr-2231	1	90	singh	singh	NOUN
bjmsr-2231	1	91	(	(	PUNCT
bjmsr-2231	1	92	d	d	NOUN
bjmsr-2231	1	93	)	)	PUNCT
bjmsr-2231	1	94	(	(	PUNCT
bjmsr-2231	1	95	a	a	X
bjmsr-2231	1	96	)	)	PUNCT
bjmsr-2231	1	97	research	research	NOUN
bjmsr-2231	1	98	scholar	scholar	NOUN
bjmsr-2231	1	99	,	,	PUNCT
bjmsr-2231	1	100	department	department	NOUN
bjmsr-2231	1	101	of	of	ADP
bjmsr-2231	1	102	management	management	NOUN
bjmsr-2231	1	103	studies	study	NOUN
bjmsr-2231	1	104	,	,	PUNCT
bjmsr-2231	1	105	indian	indian	PROPN
bjmsr-2231	1	106	institute	institute	PROPN
bjmsr-2231	1	107	of	of	ADP
bjmsr-2231	1	108	information	information	PROPN
bjmsr-2231	1	109	technology	technology	PROPN
bjmsr-2231	1	110	allahabad	allahabad	PROPN
bjmsr-2231	1	111	,	,	PUNCT
bjmsr-2231	1	112	prayagraj-211015	prayagraj-211015	PROPN
bjmsr-2231	1	113	,	,	PUNCT
bjmsr-2231	1	114	uttar	uttar	PROPN
bjmsr-2231	1	115	pradesh	pradesh	PROPN
bjmsr-2231	1	116	,	,	PUNCT
bjmsr-2231	1	117	india	india	PROPN
bjmsr-2231	1	118	;	;	PUNCT
bjmsr-2231	1	119	e	e	X
bjmsr-2231	1	120	-	-	NOUN
bjmsr-2231	1	121	mail	mail	NOUN
bjmsr-2231	1	122	:	:	PUNCT
bjmsr-2231	1	123	rsm2022503@iiita.ac.in	rsm2022503@iiita.ac.in	X
bjmsr-2231	1	124	(	(	PUNCT
bjmsr-2231	1	125	b	b	NOUN
bjmsr-2231	1	126	)	)	PUNCT
bjmsr-2231	1	127	assistant	assistant	NOUN
bjmsr-2231	1	128	professor	professor	NOUN
bjmsr-2231	1	129	,	,	PUNCT
bjmsr-2231	1	130	symbiosis	symbiosis	NOUN
bjmsr-2231	1	131	school	school	NOUN
bjmsr-2231	1	132	of	of	ADP
bjmsr-2231	1	133	banking	banking	NOUN
bjmsr-2231	1	134	and	and	CCONJ
bjmsr-2231	1	135	finance	finance	NOUN
bjmsr-2231	1	136	,	,	PUNCT
bjmsr-2231	1	137	symbiosis	symbiosis	NOUN
bjmsr-2231	1	138	international	international	PROPN
bjmsr-2231	1	139	deemed	deemed	ADJ
bjmsr-2231	1	140	university	university	PROPN
bjmsr-2231	1	141	,	,	PUNCT
bjmsr-2231	1	142	lavale	lavale	NOUN
bjmsr-2231	1	143	,	,	PUNCT
bjmsr-2231	1	144	pune	pune	NOUN
bjmsr-2231	1	145	,	,	PUNCT
bjmsr-2231	1	146	india	india	PROPN
bjmsr-2231	1	147	,	,	PUNCT
bjmsr-2231	1	148	maharashtra	maharashtra	PROPN
bjmsr-2231	1	149	,	,	PUNCT
bjmsr-2231	1	150	india	india	PROPN
bjmsr-2231	1	151	;	;	PUNCT
bjmsr-2231	1	152	e	e	X
bjmsr-2231	1	153	-	-	NOUN
bjmsr-2231	1	154	mail	mail	NOUN
bjmsr-2231	1	155	:	:	PUNCT
bjmsr-2231	2	1	jayashree.bhattacharjee@ssbf.edu.in	jayashree.bhattacharjee@ssbf.edu.in	X
bjmsr-2231	2	2	(	(	PUNCT
bjmsr-2231	2	3	c	c	NOUN
bjmsr-2231	2	4	)	)	PUNCT
bjmsr-2231	2	5	professor	professor	NOUN
bjmsr-2231	2	6	,	,	PUNCT
bjmsr-2231	2	7	department	department	NOUN
bjmsr-2231	2	8	of	of	ADP
bjmsr-2231	2	9	management	management	NOUN
bjmsr-2231	2	10	studies	study	NOUN
bjmsr-2231	2	11	,	,	PUNCT
bjmsr-2231	2	12	indian	indian	PROPN
bjmsr-2231	2	13	institute	institute	PROPN
bjmsr-2231	2	14	of	of	ADP
bjmsr-2231	2	15	information	information	PROPN
bjmsr-2231	2	16	technology	technology	PROPN
bjmsr-2231	2	17	allahabad	allahabad	PROPN
bjmsr-2231	2	18	,	,	PUNCT
bjmsr-2231	2	19	prayagraj-211015	prayagraj-211015	PROPN
bjmsr-2231	2	20	,	,	PUNCT
bjmsr-2231	2	21	uttar	uttar	PROPN
bjmsr-2231	2	22	pradesh	pradesh	PROPN
bjmsr-2231	2	23	,	,	PUNCT
bjmsr-2231	2	24	india	india	PROPN
bjmsr-2231	2	25	;	;	PUNCT
bjmsr-2231	2	26	e	e	X
bjmsr-2231	2	27	-	-	NOUN
bjmsr-2231	2	28	mail	mail	NOUN
bjmsr-2231	2	29	:	:	PUNCT
bjmsr-2231	2	30	ranjitsingh@iiita.ac.in	ranjitsingh@iiita.ac.in	PROPN
bjmsr-2231	2	31	(	(	PUNCT
bjmsr-2231	2	32	d	d	NOUN
bjmsr-2231	2	33	)	)	PUNCT
bjmsr-2231	2	34	assistant	assistant	NOUN
bjmsr-2231	2	35	professor	professor	NOUN
bjmsr-2231	2	36	,	,	PUNCT
bjmsr-2231	2	37	department	department	NOUN
bjmsr-2231	2	38	of	of	ADP
bjmsr-2231	2	39	management	management	NOUN
bjmsr-2231	2	40	,	,	PUNCT
bjmsr-2231	2	41	rajkiya	rajkiya	PROPN
bjmsr-2231	2	42	engineering	engineering	PROPN
bjmsr-2231	2	43	college	college	NOUN
bjmsr-2231	2	44	,	,	PUNCT
bjmsr-2231	2	45	azamgarh-276201	azamgarh-276201	NOUN
bjmsr-2231	2	46	,	,	PUNCT
bjmsr-2231	2	47	uttar	uttar	PROPN
bjmsr-2231	2	48	pradesh	pradesh	PROPN
bjmsr-2231	2	49	,	,	PUNCT
bjmsr-2231	2	50	india	india	PROPN
bjmsr-2231	2	51	;	;	PUNCT
bjmsr-2231	2	52	e	e	X
bjmsr-2231	2	53	-	-	NOUN
bjmsr-2231	2	54	mail	mail	NOUN
bjmsr-2231	2	55	:	:	PUNCT
bjmsr-2231	2	56	f18ambrishs@iima.ac.in	f18ambrishs@iima.ac.in	X
bjmsr-2231	2	57	a	a	DET
bjmsr-2231	2	58	r	r	NOUN
bjmsr-2231	2	59	t	t	NOUN
bjmsr-2231	3	1	i	i	PRON
bjmsr-2231	3	2	c	c	NOUN
bjmsr-2231	3	3	l	l	NOUN
bjmsr-2231	3	4	e	e	NOUN
bjmsr-2231	4	1	i	i	PRON
bjmsr-2231	4	2	n	n	VERB
bjmsr-2231	4	3	f	f	NOUN
bjmsr-2231	4	4	o	o	NOUN
bjmsr-2231	4	5	article	article	NOUN
bjmsr-2231	4	6	history	history	NOUN
bjmsr-2231	4	7	:	:	PUNCT
bjmsr-2231	4	8	received	receive	VERB
bjmsr-2231	4	9	:	:	PUNCT
bjmsr-2231	4	10	15th	15th	ADJ
bjmsr-2231	4	11	may	may	AUX
bjmsr-2231	4	12	2024	2024	NUM
bjmsr-2231	4	13	reviewed	review	VERB
bjmsr-2231	4	14	&	&	CCONJ
bjmsr-2231	4	15	revised	revise	VERB
bjmsr-2231	4	16	:	:	PUNCT
bjmsr-2231	4	17	15th	15th	ADJ
bjmsr-2231	4	18	may	may	AUX
bjmsr-2231	4	19	to	to	ADP
bjmsr-2231	4	20	26th	26th	NOUN
bjmsr-2231	4	21	july	july	PROPN
bjmsr-2231	4	22	2024	2024	NUM
bjmsr-2231	4	23	accepted	accept	VERB
bjmsr-2231	4	24	:	:	PUNCT
bjmsr-2231	4	25	28th	28th	ADJ
bjmsr-2231	4	26	july	july	NOUN
bjmsr-2231	4	27	2024	2024	NUM
bjmsr-2231	4	28	published	publish	VERB
bjmsr-2231	4	29	:	:	PUNCT
bjmsr-2231	4	30	5th	5th	ADJ
bjmsr-2231	4	31	august	august	PROPN
bjmsr-2231	4	32	2024	2024	NUM
bjmsr-2231	4	33	keywords	keyword	NOUN
bjmsr-2231	4	34	:	:	PUNCT
bjmsr-2231	4	35	social	social	ADJ
bjmsr-2231	4	36	media	medium	NOUN
bjmsr-2231	4	37	payment	payment	NOUN
bjmsr-2231	4	38	,	,	PUNCT
bjmsr-2231	4	39	social	social	ADJ
bjmsr-2231	4	40	media	medium	NOUN
bjmsr-2231	4	41	,	,	PUNCT
bjmsr-2231	4	42	qualitative	qualitative	ADJ
bjmsr-2231	4	43	analysis	analysis	NOUN
bjmsr-2231	4	44	,	,	PUNCT
bjmsr-2231	4	45	digital	digital	ADJ
bjmsr-2231	4	46	payment	payment	NOUN
bjmsr-2231	4	47	.	.	PUNCT
bjmsr-2231	5	1	jel	jel	PROPN
bjmsr-2231	5	2	classification	classification	NOUN
bjmsr-2231	5	3	codes	code	NOUN
bjmsr-2231	5	4	:	:	PUNCT
bjmsr-2231	5	5	r1	r1	PROPN
bjmsr-2231	5	6	,	,	PUNCT
bjmsr-2231	5	7	m2	m2	PROPN
bjmsr-2231	5	8	,	,	PUNCT
bjmsr-2231	5	9	m4	m4	PROPN
bjmsr-2231	5	10	,	,	PUNCT
bjmsr-2231	5	11	b4	b4	NOUN
bjmsr-2231	5	12	peer	peer	NOUN
bjmsr-2231	5	13	-	-	PUNCT
bjmsr-2231	5	14	review	review	NOUN
bjmsr-2231	5	15	model	model	NOUN
bjmsr-2231	5	16	:	:	PUNCT
bjmsr-2231	5	17	external	external	ADJ
bjmsr-2231	5	18	peer	peer	NOUN
bjmsr-2231	5	19	review	review	NOUN
bjmsr-2231	5	20	was	be	AUX
bjmsr-2231	5	21	done	do	VERB
bjmsr-2231	5	22	through	through	ADP
bjmsr-2231	5	23	double	double	ADJ
bjmsr-2231	5	24	-	-	PUNCT
bjmsr-2231	5	25	blind	blind	ADJ
bjmsr-2231	5	26	method	method	NOUN
bjmsr-2231	5	27	a	a	DET
bjmsr-2231	5	28	b	b	PROPN
bjmsr-2231	5	29	s	s	ADP
bjmsr-2231	5	30	t	t	PROPN
bjmsr-2231	5	31	r	r	NOUN
bjmsr-2231	5	32	a	a	DET
bjmsr-2231	5	33	c	c	NOUN
bjmsr-2231	5	34	t	t	NOUN
bjmsr-2231	5	35	lately	lately	ADV
bjmsr-2231	5	36	,	,	PUNCT
bjmsr-2231	5	37	social	social	ADJ
bjmsr-2231	5	38	media	medium	NOUN
bjmsr-2231	5	39	companies	company	NOUN
bjmsr-2231	5	40	worldwide	worldwide	ADV
bjmsr-2231	5	41	have	have	AUX
bjmsr-2231	5	42	introduced	introduce	VERB
bjmsr-2231	5	43	payment	payment	NOUN
bjmsr-2231	5	44	features	feature	NOUN
bjmsr-2231	5	45	on	on	ADP
bjmsr-2231	5	46	their	their	PRON
bjmsr-2231	5	47	social	social	ADJ
bjmsr-2231	5	48	media	medium	NOUN
bjmsr-2231	5	49	platforms	platform	NOUN
bjmsr-2231	5	50	.	.	PUNCT
bjmsr-2231	6	1	this	this	PRON
bjmsr-2231	6	2	has	have	AUX
bjmsr-2231	6	3	given	give	VERB
bjmsr-2231	6	4	social	social	ADJ
bjmsr-2231	6	5	media	medium	NOUN
bjmsr-2231	6	6	users	user	NOUN
bjmsr-2231	6	7	the	the	DET
bjmsr-2231	6	8	option	option	NOUN
bjmsr-2231	6	9	to	to	PART
bjmsr-2231	6	10	make	make	VERB
bjmsr-2231	6	11	payments	payment	NOUN
bjmsr-2231	6	12	to	to	ADP
bjmsr-2231	6	13	their	their	PRON
bjmsr-2231	6	14	near	near	ADJ
bjmsr-2231	6	15	and	and	CCONJ
bjmsr-2231	6	16	dear	dear	ADJ
bjmsr-2231	6	17	ones	one	NOUN
bjmsr-2231	6	18	without	without	ADP
bjmsr-2231	6	19	changing	change	VERB
bjmsr-2231	6	20	the	the	DET
bjmsr-2231	6	21	platform	platform	NOUN
bjmsr-2231	6	22	while	while	SCONJ
bjmsr-2231	6	23	engaged	engage	VERB
bjmsr-2231	6	24	in	in	ADP
bjmsr-2231	6	25	chatting	chat	VERB
bjmsr-2231	6	26	.	.	PUNCT
bjmsr-2231	7	1	the	the	DET
bjmsr-2231	7	2	adoption	adoption	NOUN
bjmsr-2231	7	3	of	of	ADP
bjmsr-2231	7	4	social	social	ADJ
bjmsr-2231	7	5	media	medium	NOUN
bjmsr-2231	7	6	payment	payment	NOUN
bjmsr-2231	7	7	platforms	platform	NOUN
bjmsr-2231	7	8	(	(	PUNCT
bjmsr-2231	7	9	smpp	smpp	PROPN
bjmsr-2231	7	10	)	)	PUNCT
bjmsr-2231	7	11	varies	vary	VERB
bjmsr-2231	7	12	across	across	ADP
bjmsr-2231	7	13	user	user	NOUN
bjmsr-2231	7	14	groups	group	NOUN
bjmsr-2231	7	15	and	and	CCONJ
bjmsr-2231	7	16	is	be	AUX
bjmsr-2231	7	17	influenced	influence	VERB
bjmsr-2231	7	18	by	by	ADP
bjmsr-2231	7	19	socio	socio	NOUN
bjmsr-2231	7	20	-	-	ADJ
bjmsr-2231	7	21	demographic	demographic	ADJ
bjmsr-2231	7	22	characteristics	characteristic	NOUN
bjmsr-2231	7	23	,	,	PUNCT
bjmsr-2231	7	24	convenience	convenience	NOUN
bjmsr-2231	7	25	,	,	PUNCT
bjmsr-2231	7	26	and	and	CCONJ
bjmsr-2231	7	27	perceived	perceive	VERB
bjmsr-2231	7	28	risk	risk	NOUN
bjmsr-2231	7	29	.	.	PUNCT
bjmsr-2231	8	1	understanding	understand	VERB
bjmsr-2231	8	2	these	these	DET
bjmsr-2231	8	3	factors	factor	NOUN
bjmsr-2231	8	4	is	be	AUX
bjmsr-2231	8	5	essential	essential	ADJ
bjmsr-2231	8	6	for	for	ADP
bjmsr-2231	8	7	enhancing	enhance	VERB
bjmsr-2231	8	8	user	user	NOUN
bjmsr-2231	8	9	engagement	engagement	NOUN
bjmsr-2231	8	10	and	and	CCONJ
bjmsr-2231	8	11	trust	trust	NOUN
bjmsr-2231	8	12	,	,	PUNCT
bjmsr-2231	8	13	thereby	thereby	ADV
bjmsr-2231	8	14	addressing	address	VERB
bjmsr-2231	8	15	the	the	DET
bjmsr-2231	8	16	gaps	gap	NOUN
bjmsr-2231	8	17	in	in	ADP
bjmsr-2231	8	18	current	current	ADJ
bjmsr-2231	8	19	smpp	smpp	PROPN
bjmsr-2231	8	20	adoption	adoption	PROPN
bjmsr-2231	8	21	research	research	NOUN
bjmsr-2231	8	22	.	.	PUNCT
bjmsr-2231	9	1	the	the	DET
bjmsr-2231	9	2	purpose	purpose	NOUN
bjmsr-2231	9	3	of	of	ADP
bjmsr-2231	9	4	this	this	DET
bjmsr-2231	9	5	study	study	NOUN
bjmsr-2231	9	6	is	be	AUX
bjmsr-2231	9	7	to	to	PART
bjmsr-2231	9	8	ascertain	ascertain	VERB
bjmsr-2231	9	9	the	the	DET
bjmsr-2231	9	10	behavioural	behavioural	ADJ
bjmsr-2231	9	11	intention	intention	NOUN
bjmsr-2231	9	12	and	and	CCONJ
bjmsr-2231	9	13	perception	perception	NOUN
bjmsr-2231	9	14	level	level	NOUN
bjmsr-2231	9	15	of	of	ADP
bjmsr-2231	9	16	users	user	NOUN
bjmsr-2231	9	17	toward	toward	ADP
bjmsr-2231	9	18	social	social	ADJ
bjmsr-2231	9	19	media	medium	NOUN
bjmsr-2231	9	20	payment	payment	NOUN
bjmsr-2231	9	21	platforms	platform	NOUN
bjmsr-2231	9	22	(	(	PUNCT
bjmsr-2231	9	23	smpp	smpp	PROPN
bjmsr-2231	9	24	)	)	PUNCT
bjmsr-2231	9	25	adoption	adoption	NOUN
bjmsr-2231	9	26	and	and	CCONJ
bjmsr-2231	9	27	to	to	PART
bjmsr-2231	9	28	identify	identify	VERB
bjmsr-2231	9	29	the	the	DET
bjmsr-2231	9	30	factors	factor	NOUN
bjmsr-2231	9	31	which	which	PRON
bjmsr-2231	9	32	motivate	motivate	VERB
bjmsr-2231	9	33	and	and	CCONJ
bjmsr-2231	9	34	inhibit	inhibit	VERB
bjmsr-2231	9	35	from	from	ADP
bjmsr-2231	9	36	using	use	VERB
bjmsr-2231	9	37	social	social	ADJ
bjmsr-2231	9	38	payment	payment	NOUN
bjmsr-2231	9	39	apps	app	NOUN
bjmsr-2231	9	40	.	.	PUNCT
bjmsr-2231	10	1	to	to	PART
bjmsr-2231	10	2	understand	understand	VERB
bjmsr-2231	10	3	the	the	DET
bjmsr-2231	10	4	intention	intention	NOUN
bjmsr-2231	10	5	of	of	ADP
bjmsr-2231	10	6	the	the	DET
bjmsr-2231	10	7	users	user	NOUN
bjmsr-2231	10	8	to	to	PART
bjmsr-2231	10	9	behave	behave	VERB
bjmsr-2231	10	10	and	and	CCONJ
bjmsr-2231	10	11	adopt	adopt	VERB
bjmsr-2231	10	12	smpp	smpp	PROPN
bjmsr-2231	10	13	,	,	PUNCT
bjmsr-2231	10	14	we	we	PRON
bjmsr-2231	10	15	conducted	conduct	VERB
bjmsr-2231	10	16	in	in	ADP
bjmsr-2231	10	17	-	-	PUNCT
bjmsr-2231	10	18	depth	depth	NOUN
bjmsr-2231	10	19	structured	structured	ADJ
bjmsr-2231	10	20	interviews	interview	NOUN
bjmsr-2231	10	21	.	.	PUNCT
bjmsr-2231	11	1	qualitative	qualitative	ADJ
bjmsr-2231	11	2	analysis	analysis	NOUN
bjmsr-2231	11	3	was	be	AUX
bjmsr-2231	11	4	used	use	VERB
bjmsr-2231	11	5	to	to	PART
bjmsr-2231	11	6	analyse	analyse	VERB
bjmsr-2231	11	7	the	the	DET
bjmsr-2231	11	8	data	datum	NOUN
bjmsr-2231	11	9	,	,	PUNCT
bjmsr-2231	11	10	using	use	VERB
bjmsr-2231	11	11	pre	pre	ADJ
bjmsr-2231	11	12	-	-	ADJ
bjmsr-2231	11	13	defined	define	VERB
bjmsr-2231	11	14	categories	category	NOUN
bjmsr-2231	11	15	(	(	PUNCT
bjmsr-2231	11	16	deductive	deductive	ADJ
bjmsr-2231	11	17	)	)	PUNCT
bjmsr-2231	11	18	and	and	CCONJ
bjmsr-2231	11	19	code	code	NOUN
bjmsr-2231	11	20	emerging	emerge	VERB
bjmsr-2231	11	21	from	from	ADP
bjmsr-2231	11	22	the	the	DET
bjmsr-2231	11	23	respondent	respondent	NOUN
bjmsr-2231	11	24	discussions	discussion	NOUN
bjmsr-2231	11	25	(	(	PUNCT
bjmsr-2231	11	26	inductively	inductively	ADV
bjmsr-2231	11	27	)	)	PUNCT
bjmsr-2231	11	28	to	to	PART
bjmsr-2231	11	29	identify	identify	VERB
bjmsr-2231	11	30	the	the	DET
bjmsr-2231	11	31	relevant	relevant	ADJ
bjmsr-2231	11	32	influencing	influence	VERB
bjmsr-2231	11	33	factors	factor	NOUN
bjmsr-2231	11	34	.	.	PUNCT
bjmsr-2231	12	1	through	through	ADP
bjmsr-2231	12	2	data	data	NOUN
bjmsr-2231	12	3	analysis	analysis	NOUN
bjmsr-2231	12	4	,	,	PUNCT
bjmsr-2231	12	5	we	we	PRON
bjmsr-2231	12	6	identified	identify	VERB
bjmsr-2231	12	7	three	three	NUM
bjmsr-2231	12	8	key	key	ADJ
bjmsr-2231	12	9	themes	theme	NOUN
bjmsr-2231	12	10	that	that	PRON
bjmsr-2231	12	11	categorised	categorise	VERB
bjmsr-2231	12	12	user	user	NOUN
bjmsr-2231	12	13	behaviour	behaviour	NOUN
bjmsr-2231	12	14	:	:	PUNCT
bjmsr-2231	12	15	socio	socio	NOUN
bjmsr-2231	12	16	-	-	PUNCT
bjmsr-2231	12	17	demographic	demographic	ADJ
bjmsr-2231	12	18	,	,	PUNCT
bjmsr-2231	12	19	convivence	convivence	NOUN
bjmsr-2231	12	20	and	and	CCONJ
bjmsr-2231	12	21	vulnerability	vulnerability	NOUN
bjmsr-2231	12	22	to	to	ADP
bjmsr-2231	12	23	risks	risk	NOUN
bjmsr-2231	12	24	,	,	PUNCT
bjmsr-2231	12	25	which	which	PRON
bjmsr-2231	12	26	is	be	AUX
bjmsr-2231	12	27	further	far	ADV
bjmsr-2231	12	28	divided	divide	VERB
bjmsr-2231	12	29	into	into	ADP
bjmsr-2231	12	30	several	several	ADJ
bjmsr-2231	12	31	sub	sub	NOUN
bjmsr-2231	12	32	-	-	NOUN
bjmsr-2231	12	33	themes	theme	NOUN
bjmsr-2231	12	34	such	such	ADJ
bjmsr-2231	12	35	as	as	ADP
bjmsr-2231	12	36	age	age	NOUN
bjmsr-2231	12	37	,	,	PUNCT
bjmsr-2231	12	38	gender	gender	NOUN
bjmsr-2231	12	39	,	,	PUNCT
bjmsr-2231	12	40	education	education	NOUN
bjmsr-2231	12	41	,	,	PUNCT
bjmsr-2231	12	42	occupation	occupation	NOUN
bjmsr-2231	12	43	under	under	ADP
bjmsr-2231	12	44	socio	socio	NOUN
bjmsr-2231	12	45	-	-	PUNCT
bjmsr-2231	12	46	demographic	demographic	ADJ
bjmsr-2231	12	47	,	,	PUNCT
bjmsr-2231	12	48	while	while	SCONJ
bjmsr-2231	12	49	perceived	perceive	VERB
bjmsr-2231	12	50	usefulness	usefulness	NOUN
bjmsr-2231	12	51	(	(	PUNCT
bjmsr-2231	12	52	pu	pu	PROPN
bjmsr-2231	12	53	)	)	PUNCT
bjmsr-2231	12	54	and	and	CCONJ
bjmsr-2231	12	55	perceived	perceive	VERB
bjmsr-2231	12	56	ease	ease	NOUN
bjmsr-2231	12	57	of	of	ADP
bjmsr-2231	12	58	use	use	NOUN
bjmsr-2231	12	59	(	(	PUNCT
bjmsr-2231	12	60	peou	peou	ADV
bjmsr-2231	12	61	)	)	PUNCT
bjmsr-2231	12	62	comes	come	VERB
bjmsr-2231	12	63	under	under	ADP
bjmsr-2231	12	64	the	the	DET
bjmsr-2231	12	65	theme	theme	NOUN
bjmsr-2231	12	66	of	of	ADP
bjmsr-2231	12	67	convivence	convivence	NOUN
bjmsr-2231	12	68	and	and	CCONJ
bjmsr-2231	12	69	lastly	lastly	ADV
bjmsr-2231	12	70	,	,	PUNCT
bjmsr-2231	12	71	under	under	ADP
bjmsr-2231	12	72	vulnerability	vulnerability	NOUN
bjmsr-2231	12	73	of	of	ADP
bjmsr-2231	12	74	risk	risk	NOUN
bjmsr-2231	12	75	includes	include	VERB
bjmsr-2231	12	76	privacy	privacy	NOUN
bjmsr-2231	12	77	,	,	PUNCT
bjmsr-2231	12	78	security	security	NOUN
bjmsr-2231	12	79	and	and	CCONJ
bjmsr-2231	12	80	platform	platform	NOUN
bjmsr-2231	12	81	features	feature	NOUN
bjmsr-2231	12	82	.	.	PUNCT
bjmsr-2231	13	1	the	the	DET
bjmsr-2231	13	2	findings	finding	NOUN
bjmsr-2231	13	3	of	of	ADP
bjmsr-2231	13	4	the	the	DET
bjmsr-2231	13	5	study	study	NOUN
bjmsr-2231	13	6	can	can	AUX
bjmsr-2231	13	7	be	be	AUX
bjmsr-2231	13	8	validated	validate	VERB
bjmsr-2231	13	9	and	and	CCONJ
bjmsr-2231	13	10	explored	explore	VERB
bjmsr-2231	13	11	in	in	ADP
bjmsr-2231	13	12	future	future	ADJ
bjmsr-2231	13	13	research	research	NOUN
bjmsr-2231	13	14	,	,	PUNCT
bjmsr-2231	13	15	which	which	PRON
bjmsr-2231	13	16	will	will	AUX
bjmsr-2231	13	17	provide	provide	VERB
bjmsr-2231	13	18	a	a	DET
bjmsr-2231	13	19	clear	clear	ADJ
bjmsr-2231	13	20	understanding	understanding	NOUN
bjmsr-2231	13	21	of	of	ADP
bjmsr-2231	13	22	identifying	identify	VERB
bjmsr-2231	13	23	factors	factor	NOUN
bjmsr-2231	13	24	that	that	PRON
bjmsr-2231	13	25	influence	influence	VERB
bjmsr-2231	13	26	smpp	smpp	PROPN
bjmsr-2231	13	27	adoption	adoption	NOUN
bjmsr-2231	13	28	and	and	CCONJ
bjmsr-2231	13	29	behaviour	behaviour	NOUN
bjmsr-2231	13	30	intention	intention	NOUN
bjmsr-2231	13	31	.	.	PUNCT
bjmsr-2231	14	1	©	©	ADP
bjmsr-2231	14	2	2024	2024	NUM
bjmsr-2231	14	3	by	by	ADP
bjmsr-2231	14	4	the	the	DET
bjmsr-2231	14	5	authors	author	NOUN
bjmsr-2231	14	6	.	.	PUNCT
bjmsr-2231	15	1	licensee	licensee	PROPN
bjmsr-2231	15	2	cribfb	cribfb	PROPN
bjmsr-2231	15	3	,	,	PUNCT
bjmsr-2231	15	4	usa	usa	PROPN
bjmsr-2231	15	5	.	.	PROPN
bjmsr-2231	16	1	this	this	DET
bjmsr-2231	16	2	open	open	ADJ
bjmsr-2231	16	3	-	-	PUNCT
bjmsr-2231	16	4	access	access	NOUN
bjmsr-2231	16	5	article	article	NOUN
bjmsr-2231	16	6	is	be	AUX
bjmsr-2231	16	7	distributed	distribute	VERB
bjmsr-2231	16	8	under	under	ADP
bjmsr-2231	16	9	the	the	DET
bjmsr-2231	16	10	terms	term	NOUN
bjmsr-2231	16	11	and	and	CCONJ
bjmsr-2231	16	12	conditions	condition	NOUN
bjmsr-2231	16	13	of	of	ADP
bjmsr-2231	16	14	the	the	DET
bjmsr-2231	16	15	creative	creative	ADJ
bjmsr-2231	16	16	commons	common	NOUN
bjmsr-2231	16	17	attribution	attribution	NOUN
bjmsr-2231	16	18	(	(	PUNCT
bjmsr-2231	16	19	cc	cc	NOUN
bjmsr-2231	16	20	by	by	ADP
bjmsr-2231	16	21	)	)	PUNCT
bjmsr-2231	16	22	license	license	NOUN
bjmsr-2231	16	23	(	(	PUNCT
bjmsr-2231	16	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2231	16	25	)	)	PUNCT
bjmsr-2231	16	26	.	.	PUNCT
bjmsr-2231	17	1	introduction	introduction	NOUN
bjmsr-2231	17	2	the	the	DET
bjmsr-2231	17	3	origins	origin	NOUN
bjmsr-2231	17	4	of	of	ADP
bjmsr-2231	17	5	digital	digital	ADJ
bjmsr-2231	17	6	transactions	transaction	NOUN
bjmsr-2231	17	7	can	can	AUX
bjmsr-2231	17	8	be	be	AUX
bjmsr-2231	17	9	traced	trace	VERB
bjmsr-2231	17	10	back	back	ADV
bjmsr-2231	17	11	to	to	ADP
bjmsr-2231	17	12	the	the	DET
bjmsr-2231	17	13	1960s	1960	NOUN
bjmsr-2231	17	14	,	,	PUNCT
bjmsr-2231	17	15	when	when	SCONJ
bjmsr-2231	17	16	banks	bank	NOUN
bjmsr-2231	17	17	began	begin	VERB
bjmsr-2231	17	18	leveraging	leverage	VERB
bjmsr-2231	17	19	mainframe	mainframe	NOUN
bjmsr-2231	17	20	computers	computer	NOUN
bjmsr-2231	17	21	to	to	ADP
bjmsr-2231	17	22	automate	automate	NOUN
bjmsr-2231	17	23	functions	function	NOUN
bjmsr-2231	17	24	such	such	ADJ
bjmsr-2231	17	25	as	as	ADP
bjmsr-2231	17	26	cheque	cheque	NOUN
bjmsr-2231	17	27	processing	processing	NOUN
bjmsr-2231	17	28	and	and	CCONJ
bjmsr-2231	17	29	customer	customer	NOUN
bjmsr-2231	17	30	account	account	NOUN
bjmsr-2231	17	31	management	management	NOUN
bjmsr-2231	17	32	.	.	PUNCT
bjmsr-2231	18	1	this	this	DET
bjmsr-2231	18	2	era	era	NOUN
bjmsr-2231	18	3	also	also	ADV
bjmsr-2231	18	4	witnessed	witness	VERB
bjmsr-2231	18	5	the	the	DET
bjmsr-2231	18	6	introduction	introduction	NOUN
bjmsr-2231	18	7	of	of	ADP
bjmsr-2231	18	8	automated	automate	VERB
bjmsr-2231	18	9	teller	teller	NOUN
bjmsr-2231	18	10	machines	machine	NOUN
bjmsr-2231	18	11	(	(	PUNCT
bjmsr-2231	18	12	atms	atms	NOUN
bjmsr-2231	18	13	)	)	PUNCT
bjmsr-2231	18	14	and	and	CCONJ
bjmsr-2231	18	15	payment	payment	NOUN
bjmsr-2231	18	16	cards	card	NOUN
bjmsr-2231	18	17	,	,	PUNCT
bjmsr-2231	18	18	laying	lay	VERB
bjmsr-2231	18	19	the	the	DET
bjmsr-2231	18	20	foundation	foundation	NOUN
bjmsr-2231	18	21	for	for	ADP
bjmsr-2231	18	22	future	future	ADJ
bjmsr-2231	18	23	digital	digital	ADJ
bjmsr-2231	18	24	innovations	innovation	NOUN
bjmsr-2231	18	25	in	in	ADP
bjmsr-2231	18	26	banking	banking	NOUN
bjmsr-2231	18	27	.	.	PUNCT
bjmsr-2231	19	1	the	the	DET
bjmsr-2231	19	2	1980s	1980s	NUM
bjmsr-2231	19	3	marked	mark	VERB
bjmsr-2231	19	4	a	a	DET
bjmsr-2231	19	5	significant	significant	ADJ
bjmsr-2231	19	6	shift	shift	NOUN
bjmsr-2231	19	7	with	with	ADP
bjmsr-2231	19	8	the	the	DET
bjmsr-2231	19	9	advent	advent	NOUN
bjmsr-2231	19	10	of	of	ADP
bjmsr-2231	19	11	digital	digital	ADJ
bjmsr-2231	19	12	networks	network	NOUN
bjmsr-2231	19	13	and	and	CCONJ
bjmsr-2231	19	14	early	early	ADJ
bjmsr-2231	19	15	broadband	broadband	NOUN
bjmsr-2231	19	16	,	,	PUNCT
bjmsr-2231	19	17	setting	set	VERB
bjmsr-2231	19	18	the	the	DET
bjmsr-2231	19	19	stage	stage	NOUN
bjmsr-2231	19	20	for	for	ADP
bjmsr-2231	19	21	the	the	DET
bjmsr-2231	19	22	emergence	emergence	NOUN
bjmsr-2231	19	23	of	of	ADP
bjmsr-2231	19	24	online	online	ADJ
bjmsr-2231	19	25	banking	banking	NOUN
bjmsr-2231	19	26	.	.	PUNCT
bjmsr-2231	20	1	by	by	ADP
bjmsr-2231	20	2	the	the	DET
bjmsr-2231	20	3	1990s	1990	NOUN
bjmsr-2231	20	4	,	,	PUNCT
bjmsr-2231	20	5	the	the	DET
bjmsr-2231	20	6	widespread	widespread	ADJ
bjmsr-2231	20	7	availability	availability	NOUN
bjmsr-2231	20	8	of	of	ADP
bjmsr-2231	20	9	the	the	DET
bjmsr-2231	20	10	internet	internet	NOUN
bjmsr-2231	20	11	made	make	VERB
bjmsr-2231	20	12	online	online	ADJ
bjmsr-2231	20	13	banking	banking	NOUN
bjmsr-2231	20	14	more	more	ADV
bjmsr-2231	20	15	accessible	accessible	ADJ
bjmsr-2231	20	16	to	to	ADP
bjmsr-2231	20	17	the	the	DET
bjmsr-2231	20	18	masses	masse	NOUN
bjmsr-2231	20	19	.	.	PUNCT
bjmsr-2231	21	1	the	the	DET
bjmsr-2231	21	2	early	early	ADJ
bjmsr-2231	21	3	2000s	2000s	NUM
bjmsr-2231	21	4	witnessed	witness	VERB
bjmsr-2231	21	5	a	a	DET
bjmsr-2231	21	6	remarkable	remarkable	ADJ
bjmsr-2231	21	7	leap	leap	NOUN
bjmsr-2231	21	8	in	in	ADP
bjmsr-2231	21	9	digital	digital	ADJ
bjmsr-2231	21	10	banking	banking	NOUN
bjmsr-2231	21	11	as	as	SCONJ
bjmsr-2231	21	12	improvements	improvement	NOUN
bjmsr-2231	21	13	in	in	ADP
bjmsr-2231	21	14	broadband	broadband	NOUN
bjmsr-2231	21	15	technology	technology	NOUN
bjmsr-2231	21	16	and	and	CCONJ
bjmsr-2231	21	17	e	e	NOUN
bjmsr-2231	21	18	-	-	NOUN
bjmsr-2231	21	19	commerce	commerce	NOUN
bjmsr-2231	21	20	systems	system	NOUN
bjmsr-2231	21	21	accelerated	accelerate	VERB
bjmsr-2231	21	22	its	its	PRON
bjmsr-2231	21	23	evolution	evolution	NOUN
bjmsr-2231	21	24	.	.	PUNCT
bjmsr-2231	22	1	in	in	ADP
bjmsr-2231	22	2	recent	recent	ADJ
bjmsr-2231	22	3	days	day	NOUN
bjmsr-2231	22	4	,	,	PUNCT
bjmsr-2231	22	5	digital	digital	ADJ
bjmsr-2231	22	6	transactions	transaction	NOUN
bjmsr-2231	22	7	with	with	ADP
bjmsr-2231	22	8	smartphones	smartphone	NOUN
bjmsr-2231	22	9	emerging	emerge	VERB
bjmsr-2231	22	10	as	as	ADP
bjmsr-2231	22	11	the	the	DET
bjmsr-2231	22	12	preferred	preferred	ADJ
bjmsr-2231	22	13	tool	tool	NOUN
bjmsr-2231	22	14	for	for	ADP
bjmsr-2231	22	15	conducting	conduct	VERB
bjmsr-2231	22	16	these	these	DET
bjmsr-2231	22	17	transactions	transaction	NOUN
bjmsr-2231	22	18	(	(	PUNCT
bjmsr-2231	22	19	smith	smith	NOUN
bjmsr-2231	22	20	,	,	PUNCT
bjmsr-2231	22	21	2022	2022	NUM
bjmsr-2231	22	22	)	)	PUNCT
bjmsr-2231	22	23	.	.	PUNCT
bjmsr-2231	23	1	this	this	DET
bjmsr-2231	23	2	shift	shift	NOUN
bjmsr-2231	23	3	highlights	highlight	NOUN
bjmsr-2231	23	4	the	the	DET
bjmsr-2231	23	5	growing	grow	VERB
bjmsr-2231	23	6	reliance	reliance	NOUN
bjmsr-2231	23	7	on	on	ADP
bjmsr-2231	23	8	mobile	mobile	ADJ
bjmsr-2231	23	9	technology	technology	NOUN
bjmsr-2231	23	10	for	for	ADP
bjmsr-2231	23	11	financial	financial	ADJ
bjmsr-2231	23	12	activities	activity	NOUN
bjmsr-2231	23	13	,	,	PUNCT
bjmsr-2231	23	14	underscoring	underscore	VERB
bjmsr-2231	23	15	its	its	PRON
bjmsr-2231	23	16	integral	integral	ADJ
bjmsr-2231	23	17	role	role	NOUN
bjmsr-2231	23	18	in	in	ADP
bjmsr-2231	23	19	modern	modern	ADJ
bjmsr-2231	23	20	banking	banking	NOUN
bjmsr-2231	23	21	practices	practice	NOUN
bjmsr-2231	23	22	(	(	PUNCT
bjmsr-2231	23	23	johnson	johnson	PROPN
bjmsr-2231	23	24	,	,	PUNCT
bjmsr-2231	23	25	2023	2023	NUM
bjmsr-2231	23	26	)	)	PUNCT
bjmsr-2231	23	27	.	.	PUNCT
bjmsr-2231	24	1	this	this	DET
bjmsr-2231	24	2	modern	modern	ADJ
bjmsr-2231	24	3	era	era	NOUN
bjmsr-2231	24	4	of	of	ADP
bjmsr-2231	24	5	digital	digital	ADJ
bjmsr-2231	24	6	banking	banking	NOUN
bjmsr-2231	24	7	extends	extend	VERB
bjmsr-2231	24	8	beyond	beyond	ADP
bjmsr-2231	24	9	online	online	ADJ
bjmsr-2231	24	10	and	and	CCONJ
bjmsr-2231	24	11	mobile	mobile	ADJ
bjmsr-2231	24	12	platforms	platform	NOUN
bjmsr-2231	24	13	to	to	PART
bjmsr-2231	24	14	encompass	encompass	VERB
bjmsr-2231	24	15	middleware	middleware	NOUN
bjmsr-2231	24	16	solutions	solution	NOUN
bjmsr-2231	24	17	that	that	PRON
bjmsr-2231	24	18	seamlessly	seamlessly	ADV
bjmsr-2231	24	19	integrate	integrate	VERB
bjmsr-2231	24	20	operating	operating	NOUN
bjmsr-2231	24	21	systems	system	NOUN
bjmsr-2231	24	22	,	,	PUNCT
bjmsr-2231	24	23	1corresponding	1corresponding	PROPN
bjmsr-2231	24	24	author	author	NOUN
bjmsr-2231	24	25	:	:	PUNCT
bjmsr-2231	24	26	orcid	orcid	PROPN
bjmsr-2231	24	27	i	i	PRON
bjmsr-2231	24	28	d	d	NOUN
bjmsr-2231	24	29	:	:	PUNCT
bjmsr-2231	24	30	0000	0000	NUM
bjmsr-2231	24	31	-	-	PUNCT
bjmsr-2231	24	32	0003	0003	NUM
bjmsr-2231	24	33	-	-	PUNCT
bjmsr-2231	24	34	0771	0771	NUM
bjmsr-2231	24	35	-	-	PUNCT
bjmsr-2231	24	36	0649	0649	NUM
bjmsr-2231	24	37	©	©	PROPN
bjmsr-2231	24	38	2024	2024	NUM
bjmsr-2231	24	39	by	by	ADP
bjmsr-2231	24	40	the	the	DET
bjmsr-2231	24	41	authors	author	NOUN
bjmsr-2231	24	42	.	.	PUNCT
bjmsr-2231	25	1	hosting	host	VERB
bjmsr-2231	25	2	by	by	ADP
bjmsr-2231	25	3	cribfb	cribfb	PROPN
bjmsr-2231	25	4	.	.	PUNCT
bjmsr-2231	26	1	peer	peer	NOUN
bjmsr-2231	26	2	review	review	NOUN
bjmsr-2231	26	3	is	be	AUX
bjmsr-2231	26	4	the	the	DET
bjmsr-2231	26	5	responsibility	responsibility	NOUN
bjmsr-2231	26	6	of	of	ADP
bjmsr-2231	26	7	cribfb	cribfb	PROPN
bjmsr-2231	26	8	,	,	PUNCT
bjmsr-2231	26	9	usa	usa	PROPN
bjmsr-2231	26	10	.	.	PROPN
bjmsr-2231	27	1	https://doi.org/10.46281/bjmsr.v9i3.2231	https://doi.org/10.46281/bjmsr.v9i3.2231	PROPN
bjmsr-2231	27	2	to	to	PART
bjmsr-2231	27	3	cite	cite	VERB
bjmsr-2231	27	4	this	this	DET
bjmsr-2231	27	5	article	article	NOUN
bjmsr-2231	27	6	:	:	PUNCT
bjmsr-2231	27	7	pandey	pandey	PROPN
bjmsr-2231	27	8	,	,	PUNCT
bjmsr-2231	27	9	l.	l.	PROPN
bjmsr-2231	27	10	k.	k.	PROPN
bjmsr-2231	27	11	,	,	PUNCT
bjmsr-2231	27	12	bhattacharjee	bhattacharjee	PROPN
bjmsr-2231	27	13	,	,	PUNCT
bjmsr-2231	27	14	j.	j.	PROPN
bjmsr-2231	27	15	,	,	PUNCT
bjmsr-2231	27	16	singh	singh	PROPN
bjmsr-2231	27	17	,	,	PUNCT
bjmsr-2231	27	18	r.	r.	PROPN
bjmsr-2231	27	19	,	,	PUNCT
bjmsr-2231	27	20	&	&	CCONJ
bjmsr-2231	27	21	singh	singh	PROPN
bjmsr-2231	27	22	,	,	PUNCT
bjmsr-2231	27	23	a.	a.	NOUN
bjmsr-2231	27	24	(	(	PUNCT
bjmsr-2231	27	25	2024	2024	NUM
bjmsr-2231	27	26	)	)	PUNCT
bjmsr-2231	27	27	.	.	PUNCT
bjmsr-2231	28	1	unravelling	unravel	VERB
bjmsr-2231	28	2	the	the	DET
bjmsr-2231	28	3	determinants	determinant	NOUN
bjmsr-2231	28	4	of	of	ADP
bjmsr-2231	28	5	social	social	ADJ
bjmsr-2231	28	6	media	medium	NOUN
bjmsr-2231	28	7	payment	payment	NOUN
bjmsr-2231	28	8	platform	platform	NOUN
bjmsr-2231	28	9	(	(	PUNCT
bjmsr-2231	28	10	smpp	smpp	PROPN
bjmsr-2231	28	11	)	)	PUNCT
bjmsr-2231	28	12	usage	usage	NOUN
bjmsr-2231	28	13	:	:	PUNCT
bjmsr-2231	28	14	a	a	DET
bjmsr-2231	28	15	qualitative	qualitative	ADJ
bjmsr-2231	28	16	study	study	NOUN
bjmsr-2231	28	17	on	on	ADP
bjmsr-2231	28	18	user	user	NOUN
bjmsr-2231	28	19	intentions	intention	NOUN
bjmsr-2231	28	20	and	and	CCONJ
bjmsr-2231	28	21	adoption	adoption	NOUN
bjmsr-2231	28	22	.	.	PUNCT
bjmsr-2231	29	1	bangladesh	bangladesh	PROPN
bjmsr-2231	29	2	journal	journal	PROPN
bjmsr-2231	29	3	of	of	ADP
bjmsr-2231	29	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	29	5	scientific	scientific	ADJ
bjmsr-2231	29	6	research	research	NOUN
bjmsr-2231	29	7	,	,	PUNCT
bjmsr-2231	29	8	9(3	9(3	NUM
bjmsr-2231	29	9	)	)	PUNCT
bjmsr-2231	29	10	,	,	PUNCT
bjmsr-2231	29	11	33	33	NUM
bjmsr-2231	29	12	-	-	SYM
bjmsr-2231	29	13	41	41	NUM
bjmsr-2231	29	14	.	.	PUNCT
bjmsr-2231	30	1	https://doi.org/10.46281/bjmsr.v9i3.2231	https://doi.org/10.46281/bjmsr.v9i3.2231	PROPN
bjmsr-2231	30	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2231	30	3	)	)	PUNCT
bjmsr-2231	30	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2231	30	5	)	)	PUNCT
bjmsr-2231	30	6	https://www.openaccess.nl/en	https://www.openaccess.nl/en	NOUN
bjmsr-2231	31	1	https://doi.org/10.46281/bjmsr.v9i3.2231	https://doi.org/10.46281/bjmsr.v9i3.2231	PROPN
bjmsr-2231	31	2	https://orcid.org/0000-0003-0771-0649	https://orcid.org/0000-0003-0771-0649	NOUN
bjmsr-2231	31	3	https://orcid.org/0000-0001-9942-1996	https://orcid.org/0000-0001-9942-1996	PROPN
bjmsr-2231	31	4	https://orcid.org/0000-0001-9408-9525	https://orcid.org/0000-0001-9408-9525	PROPN
bjmsr-2231	31	5	https://orcid.org/0000-0002-0676-4162	https://orcid.org/0000-0002-0676-4162	PROPN
bjmsr-2231	31	6	pandey	pandey	PROPN
bjmsr-2231	31	7	et	et	PROPN
bjmsr-2231	31	8	al	al	PROPN
bjmsr-2231	31	9	.	.	PROPN
bjmsr-2231	31	10	,	,	PUNCT
bjmsr-2231	31	11	bangladesh	bangladesh	PROPN
bjmsr-2231	31	12	journal	journal	NOUN
bjmsr-2231	31	13	of	of	ADP
bjmsr-2231	31	14	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	31	15	scientific	scientific	ADJ
bjmsr-2231	31	16	research	research	NOUN
bjmsr-2231	31	17	9(3	9(3	NUM
bjmsr-2231	31	18	)	)	PUNCT
bjmsr-2231	31	19	(	(	PUNCT
bjmsr-2231	31	20	2024	2024	NUM
bjmsr-2231	31	21	)	)	PUNCT
bjmsr-2231	31	22	,	,	PUNCT
bjmsr-2231	31	23	33	33	NUM
bjmsr-2231	31	24	-	-	SYM
bjmsr-2231	31	25	41	41	NUM
bjmsr-2231	31	26	34	34	NUM
bjmsr-2231	31	27	databases	database	NOUN
bjmsr-2231	31	28	,	,	PUNCT
bjmsr-2231	31	29	and	and	CCONJ
bjmsr-2231	31	30	other	other	ADJ
bjmsr-2231	31	31	applications	application	NOUN
bjmsr-2231	31	32	,	,	PUNCT
bjmsr-2231	31	33	offering	offer	VERB
bjmsr-2231	31	34	customers	customer	NOUN
bjmsr-2231	31	35	a	a	DET
bjmsr-2231	31	36	comprehensive	comprehensive	ADJ
bjmsr-2231	31	37	and	and	CCONJ
bjmsr-2231	31	38	convenient	convenient	ADJ
bjmsr-2231	31	39	banking	banking	NOUN
bjmsr-2231	31	40	experience	experience	NOUN
bjmsr-2231	31	41	cantered	canter	VERB
bjmsr-2231	31	42	around	around	ADP
bjmsr-2231	31	43	digital	digital	ADJ
bjmsr-2231	31	44	transactions	transaction	NOUN
bjmsr-2231	31	45	.	.	PUNCT
bjmsr-2231	32	1	furthermore	furthermore	ADV
bjmsr-2231	32	2	,	,	PUNCT
bjmsr-2231	32	3	the	the	DET
bjmsr-2231	32	4	integration	integration	NOUN
bjmsr-2231	32	5	of	of	ADP
bjmsr-2231	32	6	digital	digital	ADJ
bjmsr-2231	32	7	banking	banking	NOUN
bjmsr-2231	32	8	with	with	ADP
bjmsr-2231	32	9	social	social	ADJ
bjmsr-2231	32	10	media	medium	NOUN
bjmsr-2231	32	11	payment	payment	NOUN
bjmsr-2231	32	12	platforms	platform	NOUN
bjmsr-2231	32	13	(	(	PUNCT
bjmsr-2231	32	14	smpp	smpp	PROPN
bjmsr-2231	32	15	)	)	PUNCT
bjmsr-2231	32	16	has	have	AUX
bjmsr-2231	32	17	further	far	ADV
bjmsr-2231	32	18	revolutionized	revolutionize	VERB
bjmsr-2231	32	19	the	the	DET
bjmsr-2231	32	20	landscape	landscape	NOUN
bjmsr-2231	32	21	.	.	PUNCT
bjmsr-2231	33	1	smpps	smpp	NOUN
bjmsr-2231	33	2	now	now	ADV
bjmsr-2231	33	3	serve	serve	VERB
bjmsr-2231	33	4	as	as	ADP
bjmsr-2231	33	5	conduits	conduit	NOUN
bjmsr-2231	33	6	for	for	ADP
bjmsr-2231	33	7	financial	financial	ADJ
bjmsr-2231	33	8	transactions	transaction	NOUN
bjmsr-2231	33	9	,	,	PUNCT
bjmsr-2231	33	10	enabling	enable	VERB
bjmsr-2231	33	11	users	user	NOUN
bjmsr-2231	33	12	to	to	PART
bjmsr-2231	33	13	seamlessly	seamlessly	ADV
bjmsr-2231	33	14	transfer	transfer	VERB
bjmsr-2231	33	15	funds	fund	NOUN
bjmsr-2231	33	16	,	,	PUNCT
bjmsr-2231	33	17	make	make	VERB
bjmsr-2231	33	18	purchases	purchase	NOUN
bjmsr-2231	33	19	,	,	PUNCT
bjmsr-2231	33	20	and	and	CCONJ
bjmsr-2231	33	21	engage	engage	VERB
bjmsr-2231	33	22	in	in	ADP
bjmsr-2231	33	23	financial	financial	ADJ
bjmsr-2231	33	24	activities	activity	NOUN
bjmsr-2231	33	25	within	within	ADP
bjmsr-2231	33	26	their	their	PRON
bjmsr-2231	33	27	social	social	ADJ
bjmsr-2231	33	28	networks	network	NOUN
bjmsr-2231	33	29	.	.	PUNCT
bjmsr-2231	34	1	this	this	DET
bjmsr-2231	34	2	convergence	convergence	NOUN
bjmsr-2231	34	3	of	of	ADP
bjmsr-2231	34	4	digital	digital	ADJ
bjmsr-2231	34	5	banking	banking	NOUN
bjmsr-2231	34	6	with	with	ADP
bjmsr-2231	34	7	social	social	ADJ
bjmsr-2231	34	8	media	medium	NOUN
bjmsr-2231	34	9	has	have	AUX
bjmsr-2231	34	10	reshaped	reshape	VERB
bjmsr-2231	34	11	the	the	DET
bjmsr-2231	34	12	way	way	NOUN
bjmsr-2231	34	13	individuals	individual	NOUN
bjmsr-2231	34	14	interact	interact	VERB
bjmsr-2231	34	15	with	with	ADP
bjmsr-2231	34	16	money	money	NOUN
bjmsr-2231	34	17	,	,	PUNCT
bjmsr-2231	34	18	bridging	bridge	VERB
bjmsr-2231	34	19	the	the	DET
bjmsr-2231	34	20	gap	gap	NOUN
bjmsr-2231	34	21	between	between	ADP
bjmsr-2231	34	22	social	social	ADJ
bjmsr-2231	34	23	connectivity	connectivity	NOUN
bjmsr-2231	34	24	and	and	CCONJ
bjmsr-2231	34	25	financial	financial	ADJ
bjmsr-2231	34	26	transactions	transaction	NOUN
bjmsr-2231	34	27	.	.	PUNCT
bjmsr-2231	35	1	in	in	ADP
bjmsr-2231	35	2	2013	2013	NUM
bjmsr-2231	35	3	,	,	PUNCT
bjmsr-2231	35	4	venmo	venmo	PROPN
bjmsr-2231	35	5	's	's	PART
bjmsr-2231	35	6	e	e	NOUN
bjmsr-2231	35	7	-	-	NOUN
bjmsr-2231	35	8	wallet	wallet	NOUN
bjmsr-2231	35	9	integration	integration	NOUN
bjmsr-2231	35	10	with	with	ADP
bjmsr-2231	35	11	facebook	facebook	PROPN
bjmsr-2231	35	12	enabled	enable	VERB
bjmsr-2231	35	13	transactions	transaction	NOUN
bjmsr-2231	35	14	through	through	ADP
bjmsr-2231	35	15	status	status	NOUN
bjmsr-2231	35	16	updates	update	NOUN
bjmsr-2231	35	17	and	and	CCONJ
bjmsr-2231	35	18	messages	message	NOUN
bjmsr-2231	35	19	,	,	PUNCT
bjmsr-2231	35	20	streamlining	streamline	VERB
bjmsr-2231	35	21	payments	payment	NOUN
bjmsr-2231	35	22	and	and	CCONJ
bjmsr-2231	35	23	reducing	reduce	VERB
bjmsr-2231	35	24	the	the	DET
bjmsr-2231	35	25	need	need	NOUN
bjmsr-2231	35	26	for	for	ADP
bjmsr-2231	35	27	multiple	multiple	ADJ
bjmsr-2231	35	28	apps	app	NOUN
bjmsr-2231	35	29	.	.	PUNCT
bjmsr-2231	36	1	this	this	DET
bjmsr-2231	36	2	innovation	innovation	NOUN
bjmsr-2231	36	3	introduced	introduce	VERB
bjmsr-2231	36	4	in	in	ADP
bjmsr-2231	36	5	-	-	PUNCT
bjmsr-2231	36	6	chat	chat	VERB
bjmsr-2231	36	7	payment	payment	NOUN
bjmsr-2231	36	8	facilities	facility	NOUN
bjmsr-2231	36	9	,	,	PUNCT
bjmsr-2231	36	10	seamlessly	seamlessly	ADV
bjmsr-2231	36	11	integrating	integrate	VERB
bjmsr-2231	36	12	payments	payment	NOUN
bjmsr-2231	36	13	into	into	ADP
bjmsr-2231	36	14	social	social	ADJ
bjmsr-2231	36	15	interactions	interaction	NOUN
bjmsr-2231	36	16	.	.	PUNCT
bjmsr-2231	37	1	studies	study	NOUN
bjmsr-2231	37	2	on	on	ADP
bjmsr-2231	37	3	smpp	smpp	PROPN
bjmsr-2231	37	4	adoption	adoption	PROPN
bjmsr-2231	37	5	reveal	reveal	VERB
bjmsr-2231	37	6	significant	significant	ADJ
bjmsr-2231	37	7	insights	insight	NOUN
bjmsr-2231	37	8	:	:	PUNCT
bjmsr-2231	37	9	wu	wu	PROPN
bjmsr-2231	37	10	et	et	PROPN
bjmsr-2231	37	11	al	al	PROPN
bjmsr-2231	37	12	.	.	PROPN
bjmsr-2231	38	1	(	(	PUNCT
bjmsr-2231	38	2	2016	2016	NUM
bjmsr-2231	38	3	)	)	PUNCT
bjmsr-2231	38	4	explore	explore	VERB
bjmsr-2231	38	5	user	user	NOUN
bjmsr-2231	38	6	behaviour	behaviour	NOUN
bjmsr-2231	38	7	in	in	ADP
bjmsr-2231	38	8	social	social	ADJ
bjmsr-2231	38	9	payments	payment	NOUN
bjmsr-2231	38	10	,	,	PUNCT
bjmsr-2231	38	11	stress	stress	VERB
bjmsr-2231	38	12	the	the	DET
bjmsr-2231	38	13	integration	integration	NOUN
bjmsr-2231	38	14	of	of	ADP
bjmsr-2231	38	15	smpps	smpp	NOUN
bjmsr-2231	38	16	into	into	ADP
bjmsr-2231	38	17	daily	daily	ADJ
bjmsr-2231	38	18	life	life	NOUN
bjmsr-2231	38	19	,	,	PUNCT
bjmsr-2231	38	20	and	and	CCONJ
bjmsr-2231	38	21	unger	unger	PROPN
bjmsr-2231	38	22	et	et	PROPN
bjmsr-2231	38	23	al	al	PROPN
bjmsr-2231	38	24	.	.	PROPN
bjmsr-2231	39	1	(	(	PUNCT
bjmsr-2231	39	2	2020	2020	NUM
bjmsr-2231	39	3	)	)	PUNCT
bjmsr-2231	39	4	examine	examine	VERB
bjmsr-2231	39	5	factors	factor	NOUN
bjmsr-2231	39	6	like	like	ADP
bjmsr-2231	39	7	privacy	privacy	NOUN
bjmsr-2231	39	8	and	and	CCONJ
bjmsr-2231	39	9	ease	ease	NOUN
bjmsr-2231	39	10	of	of	ADP
bjmsr-2231	39	11	use	use	NOUN
bjmsr-2231	39	12	affecting	affect	VERB
bjmsr-2231	39	13	adoption	adoption	NOUN
bjmsr-2231	39	14	rates	rate	NOUN
bjmsr-2231	39	15	.	.	PUNCT
bjmsr-2231	40	1	huang	huang	PROPN
bjmsr-2231	40	2	and	and	CCONJ
bjmsr-2231	40	3	tang	tang	PROPN
bjmsr-2231	40	4	(	(	PUNCT
bjmsr-2231	40	5	2015	2015	NUM
bjmsr-2231	40	6	)	)	PUNCT
bjmsr-2231	41	1	highlight	highlight	AUX
bjmsr-2231	41	2	perceived	perceive	VERB
bjmsr-2231	41	3	usefulness	usefulness	NOUN
bjmsr-2231	41	4	as	as	ADP
bjmsr-2231	41	5	a	a	DET
bjmsr-2231	41	6	key	key	ADJ
bjmsr-2231	41	7	determinant	determinant	ADJ
bjmsr-2231	41	8	,	,	PUNCT
bjmsr-2231	41	9	while	while	SCONJ
bjmsr-2231	41	10	kaplan	kaplan	PROPN
bjmsr-2231	41	11	and	and	CCONJ
bjmsr-2231	41	12	haenlein	haenlein	ADV
bjmsr-2231	41	13	(	(	PUNCT
bjmsr-2231	41	14	2009	2009	NUM
bjmsr-2231	41	15	)	)	PUNCT
bjmsr-2231	41	16	emphasize	emphasize	VERB
bjmsr-2231	41	17	the	the	DET
bjmsr-2231	41	18	role	role	NOUN
bjmsr-2231	41	19	of	of	ADP
bjmsr-2231	41	20	integrated	integrated	ADJ
bjmsr-2231	41	21	payment	payment	NOUN
bjmsr-2231	41	22	functions	function	NOUN
bjmsr-2231	41	23	.	.	PUNCT
bjmsr-2231	42	1	additionally	additionally	ADV
bjmsr-2231	42	2	,	,	PUNCT
bjmsr-2231	42	3	smpps	smpp	NOUN
bjmsr-2231	42	4	offer	offer	VERB
bjmsr-2231	42	5	secure	secure	ADJ
bjmsr-2231	42	6	transactions	transaction	NOUN
bjmsr-2231	42	7	via	via	ADP
bjmsr-2231	42	8	upi	upi	PROPN
bjmsr-2231	42	9	interfaces	interface	NOUN
bjmsr-2231	42	10	.	.	PUNCT
bjmsr-2231	43	1	by	by	ADP
bjmsr-2231	43	2	2022	2022	NUM
bjmsr-2231	43	3	,	,	PUNCT
bjmsr-2231	43	4	platforms	platform	NOUN
bjmsr-2231	43	5	like	like	ADP
bjmsr-2231	43	6	instagram	instagram	PROPN
bjmsr-2231	43	7	and	and	CCONJ
bjmsr-2231	43	8	facebook	facebook	PROPN
bjmsr-2231	43	9	revolutionized	revolutionize	VERB
bjmsr-2231	43	10	product	product	NOUN
bjmsr-2231	43	11	showcasing	showcasing	NOUN
bjmsr-2231	43	12	and	and	CCONJ
bjmsr-2231	43	13	payments	payment	NOUN
bjmsr-2231	43	14	.	.	PUNCT
bjmsr-2231	44	1	despite	despite	SCONJ
bjmsr-2231	44	2	smpps	smpp	NOUN
bjmsr-2231	44	3	'	'	PART
bjmsr-2231	44	4	advantages	advantage	NOUN
bjmsr-2231	44	5	,	,	PUNCT
bjmsr-2231	44	6	challenges	challenge	NOUN
bjmsr-2231	44	7	persist	persist	VERB
bjmsr-2231	44	8	in	in	ADP
bjmsr-2231	44	9	their	their	PRON
bjmsr-2231	44	10	adoption	adoption	NOUN
bjmsr-2231	44	11	.	.	PUNCT
bjmsr-2231	45	1	he	he	PRON
bjmsr-2231	45	2	et	et	PROPN
bjmsr-2231	45	3	al	al	PROPN
bjmsr-2231	45	4	.	.	PROPN
bjmsr-2231	45	5	(	(	PUNCT
bjmsr-2231	45	6	2020	2020	NUM
bjmsr-2231	45	7	)	)	PUNCT
bjmsr-2231	45	8	identifies	identify	VERB
bjmsr-2231	45	9	technological	technological	ADJ
bjmsr-2231	45	10	disruptions	disruption	NOUN
bjmsr-2231	45	11	as	as	ADP
bjmsr-2231	45	12	a	a	DET
bjmsr-2231	45	13	major	major	ADJ
bjmsr-2231	45	14	issue	issue	NOUN
bjmsr-2231	45	15	,	,	PUNCT
bjmsr-2231	45	16	while	while	SCONJ
bjmsr-2231	45	17	a	a	DET
bjmsr-2231	45	18	2020	2020	NUM
bjmsr-2231	45	19	npci	npci	ADJ
bjmsr-2231	45	20	study	study	NOUN
bjmsr-2231	45	21	reveals	reveal	VERB
bjmsr-2231	45	22	that	that	SCONJ
bjmsr-2231	45	23	only	only	ADV
bjmsr-2231	45	24	1	1	NUM
bjmsr-2231	45	25	%	%	NOUN
bjmsr-2231	45	26	of	of	ADP
bjmsr-2231	45	27	india	india	PROPN
bjmsr-2231	45	28	's	's	PART
bjmsr-2231	45	29	population	population	NOUN
bjmsr-2231	45	30	found	find	VERB
bjmsr-2231	45	31	whatsapp	whatsapp	NOUN
bjmsr-2231	45	32	payments	payment	NOUN
bjmsr-2231	45	33	comfortable	comfortable	ADJ
bjmsr-2231	45	34	and	and	CCONJ
bjmsr-2231	45	35	convenient	convenient	ADJ
bjmsr-2231	45	36	.	.	PUNCT
bjmsr-2231	46	1	thus	thus	ADV
bjmsr-2231	46	2	,	,	PUNCT
bjmsr-2231	46	3	understanding	understand	VERB
bjmsr-2231	46	4	user	user	NOUN
bjmsr-2231	46	5	behaviour	behaviour	NOUN
bjmsr-2231	46	6	is	be	AUX
bjmsr-2231	46	7	essential	essential	ADJ
bjmsr-2231	46	8	to	to	ADP
bjmsr-2231	46	9	overcoming	overcome	VERB
bjmsr-2231	46	10	these	these	DET
bjmsr-2231	46	11	barriers	barrier	NOUN
bjmsr-2231	46	12	.	.	PUNCT
bjmsr-2231	47	1	this	this	DET
bjmsr-2231	47	2	study	study	NOUN
bjmsr-2231	47	3	employs	employ	VERB
bjmsr-2231	47	4	thematic	thematic	ADJ
bjmsr-2231	47	5	analysis	analysis	NOUN
bjmsr-2231	47	6	to	to	PART
bjmsr-2231	47	7	examine	examine	VERB
bjmsr-2231	47	8	user	user	NOUN
bjmsr-2231	47	9	intentions	intention	NOUN
bjmsr-2231	47	10	and	and	CCONJ
bjmsr-2231	47	11	barriers	barrier	NOUN
bjmsr-2231	47	12	to	to	ADP
bjmsr-2231	47	13	adopting	adopt	VERB
bjmsr-2231	47	14	smpps	smpp	NOUN
bjmsr-2231	47	15	.	.	PUNCT
bjmsr-2231	48	1	kiger	kiger	NOUN
bjmsr-2231	48	2	and	and	CCONJ
bjmsr-2231	48	3	varpio	varpio	PROPN
bjmsr-2231	48	4	(	(	PUNCT
bjmsr-2231	48	5	2020	2020	NUM
bjmsr-2231	48	6	)	)	PUNCT
bjmsr-2231	48	7	highlight	highlight	VERB
bjmsr-2231	48	8	thematic	thematic	ADJ
bjmsr-2231	48	9	analysis	analysis	NOUN
bjmsr-2231	48	10	as	as	ADP
bjmsr-2231	48	11	a	a	DET
bjmsr-2231	48	12	flexible	flexible	ADJ
bjmsr-2231	48	13	qualitative	qualitative	NOUN
bjmsr-2231	48	14	method	method	NOUN
bjmsr-2231	48	15	for	for	ADP
bjmsr-2231	48	16	identifying	identify	VERB
bjmsr-2231	48	17	and	and	CCONJ
bjmsr-2231	48	18	analysing	analyse	VERB
bjmsr-2231	48	19	patterns	pattern	NOUN
bjmsr-2231	48	20	and	and	CCONJ
bjmsr-2231	48	21	themes	theme	NOUN
bjmsr-2231	48	22	in	in	ADP
bjmsr-2231	48	23	textual	textual	ADJ
bjmsr-2231	48	24	data	datum	NOUN
bjmsr-2231	48	25	.	.	PUNCT
bjmsr-2231	49	1	it	it	PRON
bjmsr-2231	49	2	differs	differ	VERB
bjmsr-2231	49	3	from	from	ADP
bjmsr-2231	49	4	other	other	ADJ
bjmsr-2231	49	5	approaches	approach	NOUN
bjmsr-2231	49	6	by	by	ADP
bjmsr-2231	49	7	not	not	PART
bjmsr-2231	49	8	adhering	adhere	VERB
bjmsr-2231	49	9	to	to	ADP
bjmsr-2231	49	10	rigid	rigid	ADJ
bjmsr-2231	49	11	frameworks	framework	NOUN
bjmsr-2231	49	12	,	,	PUNCT
bjmsr-2231	49	13	allowing	allow	VERB
bjmsr-2231	49	14	for	for	ADP
bjmsr-2231	49	15	exploration	exploration	NOUN
bjmsr-2231	49	16	of	of	ADP
bjmsr-2231	49	17	diverse	diverse	ADJ
bjmsr-2231	49	18	perspectives	perspective	NOUN
bjmsr-2231	49	19	(	(	PUNCT
bjmsr-2231	49	20	castleberry	castleberry	PROPN
bjmsr-2231	49	21	&	&	CCONJ
bjmsr-2231	49	22	nolen	nolen	PROPN
bjmsr-2231	49	23	,	,	PUNCT
bjmsr-2231	49	24	2018	2018	NUM
bjmsr-2231	49	25	)	)	PUNCT
bjmsr-2231	49	26	.	.	PUNCT
bjmsr-2231	50	1	emphasize	emphasize	VERB
bjmsr-2231	50	2	its	its	PRON
bjmsr-2231	50	3	utility	utility	NOUN
bjmsr-2231	50	4	in	in	ADP
bjmsr-2231	50	5	uncovering	uncover	VERB
bjmsr-2231	50	6	and	and	CCONJ
bjmsr-2231	50	7	organizing	organize	VERB
bjmsr-2231	50	8	patterns	pattern	NOUN
bjmsr-2231	50	9	,	,	PUNCT
bjmsr-2231	50	10	essential	essential	ADJ
bjmsr-2231	50	11	for	for	ADP
bjmsr-2231	50	12	understanding	understand	VERB
bjmsr-2231	50	13	complex	complex	ADJ
bjmsr-2231	50	14	phenomena	phenomenon	NOUN
bjmsr-2231	50	15	.	.	PUNCT
bjmsr-2231	51	1	additionally	additionally	ADV
bjmsr-2231	51	2	,	,	PUNCT
bjmsr-2231	51	3	nowell	nowell	PROPN
bjmsr-2231	51	4	et	et	PROPN
bjmsr-2231	51	5	al	al	PROPN
bjmsr-2231	51	6	.	.	PROPN
bjmsr-2231	52	1	(	(	PUNCT
bjmsr-2231	52	2	2017	2017	NUM
bjmsr-2231	52	3	)	)	PUNCT
bjmsr-2231	52	4	note	note	VERB
bjmsr-2231	52	5	that	that	SCONJ
bjmsr-2231	52	6	thematic	thematic	ADJ
bjmsr-2231	52	7	analysis	analysis	NOUN
bjmsr-2231	52	8	enhances	enhance	NOUN
bjmsr-2231	52	9	rigor	rigor	VERB
bjmsr-2231	52	10	through	through	ADP
bjmsr-2231	52	11	systematic	systematic	ADJ
bjmsr-2231	52	12	data	datum	NOUN
bjmsr-2231	52	13	analysis	analysis	NOUN
bjmsr-2231	52	14	,	,	PUNCT
bjmsr-2231	52	15	ensuring	ensure	VERB
bjmsr-2231	52	16	transparency	transparency	NOUN
bjmsr-2231	52	17	and	and	CCONJ
bjmsr-2231	52	18	reproducibility	reproducibility	NOUN
bjmsr-2231	52	19	in	in	ADP
bjmsr-2231	52	20	research	research	NOUN
bjmsr-2231	52	21	findings	finding	NOUN
bjmsr-2231	52	22	(	(	PUNCT
bjmsr-2231	52	23	guest	guest	NOUN
bjmsr-2231	52	24	et	et	PROPN
bjmsr-2231	52	25	al	al	PROPN
bjmsr-2231	52	26	.	.	PROPN
bjmsr-2231	52	27	,	,	PUNCT
bjmsr-2231	52	28	2012	2012	NUM
bjmsr-2231	52	29	)	)	PUNCT
bjmsr-2231	52	30	.	.	PUNCT
bjmsr-2231	53	1	this	this	DET
bjmsr-2231	53	2	study	study	NOUN
bjmsr-2231	53	3	has	have	VERB
bjmsr-2231	53	4	two	two	NUM
bjmsr-2231	53	5	objectives	objective	NOUN
bjmsr-2231	53	6	:	:	PUNCT
bjmsr-2231	53	7	(	(	PUNCT
bjmsr-2231	53	8	1	1	X
bjmsr-2231	53	9	)	)	PUNCT
bjmsr-2231	53	10	to	to	PART
bjmsr-2231	53	11	ascertain	ascertain	VERB
bjmsr-2231	53	12	factors	factor	NOUN
bjmsr-2231	53	13	that	that	PRON
bjmsr-2231	53	14	influence	influence	VERB
bjmsr-2231	53	15	the	the	DET
bjmsr-2231	53	16	adoption	adoption	NOUN
bjmsr-2231	53	17	of	of	ADP
bjmsr-2231	53	18	smpp	smpp	PROPN
bjmsr-2231	53	19	(	(	PUNCT
bjmsr-2231	53	20	2	2	NUM
bjmsr-2231	53	21	)	)	PUNCT
bjmsr-2231	53	22	to	to	PART
bjmsr-2231	53	23	identify	identify	VERB
bjmsr-2231	53	24	the	the	DET
bjmsr-2231	53	25	factors	factor	NOUN
bjmsr-2231	53	26	that	that	PRON
bjmsr-2231	53	27	inhibit	inhibit	VERB
bjmsr-2231	53	28	the	the	DET
bjmsr-2231	53	29	smpp	smpp	PROPN
bjmsr-2231	53	30	adoption	adoption	NOUN
bjmsr-2231	53	31	or	or	CCONJ
bjmsr-2231	53	32	usage	usage	NOUN
bjmsr-2231	53	33	.	.	PUNCT
bjmsr-2231	54	1	this	this	DET
bjmsr-2231	54	2	research	research	NOUN
bjmsr-2231	54	3	also	also	ADV
bjmsr-2231	54	4	addresses	address	VERB
bjmsr-2231	54	5	smpp	smpp	PROPN
bjmsr-2231	54	6	use	use	NOUN
bjmsr-2231	54	7	by	by	ADP
bjmsr-2231	54	8	outlining	outline	VERB
bjmsr-2231	54	9	the	the	DET
bjmsr-2231	54	10	implications	implication	NOUN
bjmsr-2231	54	11	for	for	ADP
bjmsr-2231	54	12	researchers	researcher	NOUN
bjmsr-2231	54	13	,	,	PUNCT
bjmsr-2231	54	14	policymakers	policymaker	NOUN
bjmsr-2231	54	15	,	,	PUNCT
bjmsr-2231	54	16	financial	financial	ADJ
bjmsr-2231	54	17	educators	educator	NOUN
bjmsr-2231	54	18	,	,	PUNCT
bjmsr-2231	54	19	and	and	CCONJ
bjmsr-2231	54	20	financial	financial	ADJ
bjmsr-2231	54	21	professionals	professional	NOUN
bjmsr-2231	54	22	.	.	PUNCT
bjmsr-2231	55	1	below	below	ADV
bjmsr-2231	55	2	are	be	AUX
bjmsr-2231	55	3	the	the	DET
bjmsr-2231	55	4	two	two	NUM
bjmsr-2231	55	5	principal	principal	ADJ
bjmsr-2231	55	6	research	research	NOUN
bjmsr-2231	55	7	questions	question	NOUN
bjmsr-2231	55	8	guiding	guide	VERB
bjmsr-2231	55	9	this	this	DET
bjmsr-2231	55	10	study	study	NOUN
bjmsr-2231	55	11	:	:	PUNCT
bjmsr-2231	55	12	rq1	rq1	NOUN
bjmsr-2231	55	13	.	.	PUNCT
bjmsr-2231	56	1	what	what	PRON
bjmsr-2231	56	2	are	be	AUX
bjmsr-2231	56	3	the	the	DET
bjmsr-2231	56	4	factors	factor	NOUN
bjmsr-2231	56	5	that	that	PRON
bjmsr-2231	56	6	influence	influence	VERB
bjmsr-2231	56	7	the	the	DET
bjmsr-2231	56	8	adoption	adoption	NOUN
bjmsr-2231	56	9	of	of	ADP
bjmsr-2231	56	10	smpp	smpp	PROPN
bjmsr-2231	56	11	adoption	adoption	PROPN
bjmsr-2231	56	12	?	?	PUNCT
bjmsr-2231	57	1	rq2	rq2	NOUN
bjmsr-2231	57	2	.	.	PUNCT
bjmsr-2231	58	1	what	what	PRON
bjmsr-2231	58	2	are	be	AUX
bjmsr-2231	58	3	the	the	DET
bjmsr-2231	58	4	factors	factor	NOUN
bjmsr-2231	58	5	that	that	PRON
bjmsr-2231	58	6	inhibit	inhibit	VERB
bjmsr-2231	58	7	the	the	DET
bjmsr-2231	58	8	smpps	smpp	NOUN
bjmsr-2231	58	9	adoption	adoption	NOUN
bjmsr-2231	58	10	?	?	PUNCT
bjmsr-2231	59	1	the	the	DET
bjmsr-2231	59	2	study	study	NOUN
bjmsr-2231	59	3	has	have	VERB
bjmsr-2231	59	4	the	the	DET
bjmsr-2231	59	5	following	follow	VERB
bjmsr-2231	59	6	sections	section	NOUN
bjmsr-2231	59	7	:	:	PUNCT
bjmsr-2231	59	8	section	section	NOUN
bjmsr-2231	59	9	2	2	NUM
bjmsr-2231	59	10	defines	define	VERB
bjmsr-2231	59	11	the	the	DET
bjmsr-2231	59	12	literature	literature	PROPN
bjmsr-2231	59	13	review	review	NOUN
bjmsr-2231	59	14	,	,	PUNCT
bjmsr-2231	59	15	section	section	NOUN
bjmsr-2231	59	16	3	3	NUM
bjmsr-2231	59	17	outlines	outline	VERB
bjmsr-2231	59	18	the	the	DET
bjmsr-2231	59	19	research	research	NOUN
bjmsr-2231	59	20	methodology	methodology	NOUN
bjmsr-2231	59	21	,	,	PUNCT
bjmsr-2231	59	22	section	section	NOUN
bjmsr-2231	59	23	4	4	NUM
bjmsr-2231	59	24	provides	provide	VERB
bjmsr-2231	59	25	findings	finding	NOUN
bjmsr-2231	59	26	and	and	CCONJ
bjmsr-2231	59	27	analysis	analysis	NOUN
bjmsr-2231	59	28	,	,	PUNCT
bjmsr-2231	59	29	section	section	NOUN
bjmsr-2231	59	30	5	5	NUM
bjmsr-2231	59	31	addresses	address	NOUN
bjmsr-2231	59	32	the	the	DET
bjmsr-2231	59	33	implication	implication	NOUN
bjmsr-2231	59	34	,	,	PUNCT
bjmsr-2231	59	35	section	section	NOUN
bjmsr-2231	59	36	6	6	NUM
bjmsr-2231	59	37	provides	provide	VERB
bjmsr-2231	59	38	limitations	limitation	NOUN
bjmsr-2231	59	39	and	and	CCONJ
bjmsr-2231	59	40	future	future	ADJ
bjmsr-2231	59	41	scope	scope	NOUN
bjmsr-2231	59	42	of	of	ADP
bjmsr-2231	59	43	the	the	DET
bjmsr-2231	59	44	study	study	NOUN
bjmsr-2231	59	45	,	,	PUNCT
bjmsr-2231	59	46	and	and	CCONJ
bjmsr-2231	59	47	section	section	NOUN
bjmsr-2231	59	48	7	7	NUM
bjmsr-2231	59	49	discloses	disclose	VERB
bjmsr-2231	59	50	the	the	DET
bjmsr-2231	59	51	conclusion	conclusion	NOUN
bjmsr-2231	59	52	.	.	PUNCT
bjmsr-2231	60	1	literature	literature	NOUN
bjmsr-2231	60	2	review	review	VERB
bjmsr-2231	60	3	the	the	DET
bjmsr-2231	60	4	scope	scope	NOUN
bjmsr-2231	60	5	of	of	ADP
bjmsr-2231	60	6	smpp	smpp	PROPN
bjmsr-2231	60	7	research	research	PROPN
bjmsr-2231	60	8	has	have	AUX
bjmsr-2231	60	9	substantially	substantially	ADV
bjmsr-2231	60	10	expanded	expand	VERB
bjmsr-2231	60	11	,	,	PUNCT
bjmsr-2231	60	12	probing	probe	VERB
bjmsr-2231	60	13	into	into	ADP
bjmsr-2231	60	14	diverse	diverse	ADJ
bjmsr-2231	60	15	areas	area	NOUN
bjmsr-2231	60	16	such	such	ADJ
bjmsr-2231	60	17	as	as	ADP
bjmsr-2231	60	18	user	user	NOUN
bjmsr-2231	60	19	motivations	motivation	NOUN
bjmsr-2231	60	20	,	,	PUNCT
bjmsr-2231	60	21	implementation	implementation	NOUN
bjmsr-2231	60	22	intricacies	intricacy	NOUN
bjmsr-2231	60	23	,	,	PUNCT
bjmsr-2231	60	24	and	and	CCONJ
bjmsr-2231	60	25	potential	potential	ADJ
bjmsr-2231	60	26	challenges	challenge	NOUN
bjmsr-2231	60	27	,	,	PUNCT
bjmsr-2231	60	28	reflecting	reflect	VERB
bjmsr-2231	60	29	the	the	DET
bjmsr-2231	60	30	maturing	mature	VERB
bjmsr-2231	60	31	field	field	NOUN
bjmsr-2231	60	32	's	's	PART
bjmsr-2231	60	33	growing	grow	VERB
bjmsr-2231	60	34	depth	depth	NOUN
bjmsr-2231	60	35	and	and	CCONJ
bjmsr-2231	60	36	breadth	breadth	NOUN
bjmsr-2231	60	37	.	.	PUNCT
bjmsr-2231	61	1	perceived	perceive	VERB
bjmsr-2231	61	2	usefulness	usefulness	NOUN
bjmsr-2231	61	3	,	,	PUNCT
bjmsr-2231	61	4	defined	define	VERB
bjmsr-2231	61	5	as	as	ADP
bjmsr-2231	61	6	the	the	DET
bjmsr-2231	61	7	degree	degree	NOUN
bjmsr-2231	61	8	to	to	PART
bjmsr-2231	61	9	which	which	PRON
bjmsr-2231	61	10	a	a	DET
bjmsr-2231	61	11	person	person	NOUN
bjmsr-2231	61	12	believes	believe	VERB
bjmsr-2231	61	13	that	that	SCONJ
bjmsr-2231	61	14	using	use	VERB
bjmsr-2231	61	15	a	a	DET
bjmsr-2231	61	16	particular	particular	ADJ
bjmsr-2231	61	17	system	system	NOUN
bjmsr-2231	61	18	would	would	AUX
bjmsr-2231	61	19	enhance	enhance	VERB
bjmsr-2231	61	20	their	their	PRON
bjmsr-2231	61	21	performance	performance	NOUN
bjmsr-2231	61	22	,	,	PUNCT
bjmsr-2231	61	23	plays	play	VERB
bjmsr-2231	61	24	a	a	DET
bjmsr-2231	61	25	critical	critical	ADJ
bjmsr-2231	61	26	role	role	NOUN
bjmsr-2231	61	27	in	in	ADP
bjmsr-2231	61	28	social	social	ADJ
bjmsr-2231	61	29	media	medium	NOUN
bjmsr-2231	61	30	payment	payment	NOUN
bjmsr-2231	61	31	platforms	platform	NOUN
bjmsr-2231	61	32	(	(	PUNCT
bjmsr-2231	61	33	smpp	smpp	PROPN
bjmsr-2231	61	34	)	)	PUNCT
bjmsr-2231	61	35	adoption	adoption	NOUN
bjmsr-2231	61	36	.	.	PUNCT
bjmsr-2231	62	1	studies	study	NOUN
bjmsr-2231	62	2	by	by	ADP
bjmsr-2231	62	3	qu	qu	PROPN
bjmsr-2231	62	4	et	et	PROPN
bjmsr-2231	62	5	al	al	PROPN
bjmsr-2231	62	6	.	.	PROPN
bjmsr-2231	62	7	(	(	PUNCT
bjmsr-2231	62	8	2015	2015	NUM
bjmsr-2231	62	9	)	)	PUNCT
bjmsr-2231	62	10	,	,	PUNCT
bjmsr-2231	62	11	ramasamy	ramasamy	VERB
bjmsr-2231	62	12	et	et	PROPN
bjmsr-2231	62	13	al	al	PROPN
bjmsr-2231	62	14	.	.	PROPN
bjmsr-2231	63	1	(	(	PUNCT
bjmsr-2231	63	2	2024	2024	NUM
bjmsr-2231	63	3	)	)	PUNCT
bjmsr-2231	63	4	;	;	PUNCT
bjmsr-2231	63	5	mu	mu	PROPN
bjmsr-2231	63	6	and	and	CCONJ
bjmsr-2231	63	7	lee	lee	PROPN
bjmsr-2231	63	8	(	(	PUNCT
bjmsr-2231	63	9	2017	2017	NUM
bjmsr-2231	63	10	)	)	PUNCT
bjmsr-2231	63	11	,	,	PUNCT
bjmsr-2231	63	12	and	and	CCONJ
bjmsr-2231	63	13	tavera	tavera	NOUN
bjmsr-2231	63	14	-	-	PUNCT
bjmsr-2231	63	15	mesías	mesías	NOUN
bjmsr-2231	63	16	et	et	PROPN
bjmsr-2231	63	17	al	al	PROPN
bjmsr-2231	63	18	.	.	PROPN
bjmsr-2231	64	1	(	(	PUNCT
bjmsr-2231	64	2	2023	2023	NUM
bjmsr-2231	64	3	)	)	PUNCT
bjmsr-2231	64	4	have	have	AUX
bjmsr-2231	64	5	shown	show	VERB
bjmsr-2231	64	6	a	a	DET
bjmsr-2231	64	7	strong	strong	ADJ
bjmsr-2231	64	8	positive	positive	ADJ
bjmsr-2231	64	9	correlation	correlation	NOUN
bjmsr-2231	64	10	between	between	ADP
bjmsr-2231	64	11	perceived	perceive	VERB
bjmsr-2231	64	12	usefulness	usefulness	NOUN
bjmsr-2231	64	13	and	and	CCONJ
bjmsr-2231	64	14	the	the	DET
bjmsr-2231	64	15	intention	intention	NOUN
bjmsr-2231	64	16	to	to	PART
bjmsr-2231	64	17	adopt	adopt	VERB
bjmsr-2231	64	18	smpps	smpp	NOUN
bjmsr-2231	64	19	.	.	PUNCT
bjmsr-2231	65	1	user	user	NOUN
bjmsr-2231	65	2	believes	believe	VERB
bjmsr-2231	65	3	that	that	SCONJ
bjmsr-2231	65	4	smpp	smpp	PROPN
bjmsr-2231	65	5	have	have	AUX
bjmsr-2231	65	6	simplified	simplify	VERB
bjmsr-2231	65	7	transactions	transaction	NOUN
bjmsr-2231	65	8	,	,	PUNCT
bjmsr-2231	65	9	offered	offer	VERB
bjmsr-2231	65	10	convenience	convenience	NOUN
bjmsr-2231	65	11	,	,	PUNCT
bjmsr-2231	65	12	or	or	CCONJ
bjmsr-2231	65	13	provided	provide	VERB
bjmsr-2231	65	14	benefits	benefit	NOUN
bjmsr-2231	65	15	over	over	ADP
bjmsr-2231	65	16	traditional	traditional	ADJ
bjmsr-2231	65	17	payment	payment	NOUN
bjmsr-2231	65	18	methods	method	NOUN
bjmsr-2231	65	19	.	.	PUNCT
bjmsr-2231	66	1	other	other	ADJ
bjmsr-2231	66	2	than	than	ADP
bjmsr-2231	66	3	perceived	perceive	VERB
bjmsr-2231	66	4	usefulness	usefulness	NOUN
bjmsr-2231	66	5	,	,	PUNCT
bjmsr-2231	66	6	social	social	ADJ
bjmsr-2231	66	7	image	image	NOUN
bjmsr-2231	66	8	,	,	PUNCT
bjmsr-2231	66	9	gender	gender	NOUN
bjmsr-2231	66	10	,	,	PUNCT
bjmsr-2231	66	11	and	and	CCONJ
bjmsr-2231	66	12	age	age	NOUN
bjmsr-2231	66	13	has	have	AUX
bjmsr-2231	66	14	also	also	ADV
bjmsr-2231	66	15	played	play	VERB
bjmsr-2231	66	16	a	a	DET
bjmsr-2231	66	17	leading	lead	VERB
bjmsr-2231	66	18	role	role	NOUN
bjmsr-2231	66	19	in	in	ADP
bjmsr-2231	66	20	smpp	smpp	PROPN
bjmsr-2231	66	21	adoption	adoption	PROPN
bjmsr-2231	66	22	(	(	PUNCT
bjmsr-2231	66	23	liébana	liébana	NOUN
bjmsr-2231	66	24	-	-	PUNCT
bjmsr-2231	66	25	cabanillas	cabanilla	NOUN
bjmsr-2231	66	26	et	et	PROPN
bjmsr-2231	66	27	al	al	PROPN
bjmsr-2231	66	28	.	.	PROPN
bjmsr-2231	66	29	,	,	PUNCT
bjmsr-2231	66	30	2018	2018	NUM
bjmsr-2231	66	31	)	)	PUNCT
bjmsr-2231	66	32	.	.	PUNCT
bjmsr-2231	67	1	qu	qu	PROPN
bjmsr-2231	67	2	et	et	PROPN
bjmsr-2231	67	3	al	al	PROPN
bjmsr-2231	67	4	.	.	PROPN
bjmsr-2231	68	1	(	(	PUNCT
bjmsr-2231	68	2	2015	2015	NUM
bjmsr-2231	68	3	)	)	PUNCT
bjmsr-2231	68	4	find	find	VERB
bjmsr-2231	68	5	a	a	DET
bjmsr-2231	68	6	positive	positive	ADJ
bjmsr-2231	68	7	correlation	correlation	NOUN
bjmsr-2231	68	8	between	between	ADP
bjmsr-2231	68	9	user	user	NOUN
bjmsr-2231	68	10	intention	intention	NOUN
bjmsr-2231	68	11	and	and	CCONJ
bjmsr-2231	68	12	adoption	adoption	NOUN
bjmsr-2231	68	13	behaviour	behaviour	NOUN
bjmsr-2231	68	14	.	.	PUNCT
bjmsr-2231	69	1	han	han	PROPN
bjmsr-2231	69	2	and	and	CCONJ
bjmsr-2231	69	3	windsor	windsor	PROPN
bjmsr-2231	69	4	(	(	PUNCT
bjmsr-2231	69	5	2011	2011	NUM
bjmsr-2231	69	6	)	)	PUNCT
bjmsr-2231	69	7	cited	cite	VERB
bjmsr-2231	69	8	that	that	SCONJ
bjmsr-2231	69	9	the	the	DET
bjmsr-2231	69	10	trust	trust	NOUN
bjmsr-2231	69	11	generated	generate	VERB
bjmsr-2231	69	12	from	from	ADP
bjmsr-2231	69	13	social	social	ADJ
bjmsr-2231	69	14	activities	activity	NOUN
bjmsr-2231	69	15	was	be	AUX
bjmsr-2231	69	16	transferrable	transferrable	ADJ
bjmsr-2231	69	17	to	to	ADP
bjmsr-2231	69	18	potential	potential	ADJ
bjmsr-2231	69	19	business	business	NOUN
bjmsr-2231	69	20	transactions	transaction	NOUN
bjmsr-2231	69	21	being	be	AUX
bjmsr-2231	69	22	conducted	conduct	VERB
bjmsr-2231	69	23	on	on	ADP
bjmsr-2231	69	24	social	social	ADJ
bjmsr-2231	69	25	network	network	NOUN
bjmsr-2231	69	26	sites	site	NOUN
bjmsr-2231	69	27	.	.	PUNCT
bjmsr-2231	70	1	smpp	smpp	PROPN
bjmsr-2231	70	2	has	have	AUX
bjmsr-2231	70	3	integrated	integrate	VERB
bjmsr-2231	70	4	the	the	DET
bjmsr-2231	70	5	features	feature	NOUN
bjmsr-2231	70	6	of	of	ADP
bjmsr-2231	70	7	financial	financial	ADJ
bjmsr-2231	70	8	platforms	platform	NOUN
bjmsr-2231	70	9	and	and	CCONJ
bjmsr-2231	70	10	social	social	ADJ
bjmsr-2231	70	11	features	feature	NOUN
bjmsr-2231	70	12	in	in	ADP
bjmsr-2231	70	13	a	a	DET
bjmsr-2231	70	14	single	single	ADJ
bjmsr-2231	70	15	app	app	NOUN
bjmsr-2231	70	16	and	and	CCONJ
bjmsr-2231	70	17	the	the	DET
bjmsr-2231	70	18	make	make	VERB
bjmsr-2231	70	19	online	online	ADJ
bjmsr-2231	70	20	payment	payment	NOUN
bjmsr-2231	70	21	easier	easy	ADJ
bjmsr-2231	70	22	.	.	PUNCT
bjmsr-2231	71	1	this	this	PRON
bjmsr-2231	71	2	leads	lead	VERB
bjmsr-2231	71	3	to	to	ADP
bjmsr-2231	71	4	the	the	DET
bjmsr-2231	71	5	shift	shift	NOUN
bjmsr-2231	71	6	of	of	ADP
bjmsr-2231	71	7	user	user	NOUN
bjmsr-2231	71	8	preference	preference	NOUN
bjmsr-2231	71	9	from	from	ADP
bjmsr-2231	71	10	the	the	DET
bjmsr-2231	71	11	upi	upi	PROPN
bjmsr-2231	71	12	payment	payment	NOUN
bjmsr-2231	71	13	system	system	NOUN
bjmsr-2231	71	14	to	to	ADP
bjmsr-2231	71	15	social	social	ADJ
bjmsr-2231	71	16	payment	payment	NOUN
bjmsr-2231	71	17	.	.	PUNCT
bjmsr-2231	72	1	the	the	DET
bjmsr-2231	72	2	user	user	NOUN
bjmsr-2231	72	3	may	may	AUX
bjmsr-2231	72	4	switch	switch	VERB
bjmsr-2231	72	5	their	their	PRON
bjmsr-2231	72	6	mode	mode	NOUN
bjmsr-2231	72	7	of	of	ADP
bjmsr-2231	72	8	payment	payment	NOUN
bjmsr-2231	72	9	from	from	ADP
bjmsr-2231	72	10	upi	upi	PROPN
bjmsr-2231	72	11	to	to	ADP
bjmsr-2231	72	12	social	social	ADJ
bjmsr-2231	72	13	payment	payment	NOUN
bjmsr-2231	72	14	,	,	PUNCT
bjmsr-2231	72	15	as	as	SCONJ
bjmsr-2231	72	16	it	it	PRON
bjmsr-2231	72	17	is	be	AUX
bjmsr-2231	72	18	easy	easy	ADJ
bjmsr-2231	72	19	to	to	PART
bjmsr-2231	72	20	use	use	VERB
bjmsr-2231	72	21	without	without	ADP
bjmsr-2231	72	22	shifting	shift	VERB
bjmsr-2231	72	23	to	to	ADP
bjmsr-2231	72	24	different	different	ADJ
bjmsr-2231	72	25	apps	app	NOUN
bjmsr-2231	72	26	.	.	PUNCT
bjmsr-2231	73	1	miraz	miraz	NOUN
bjmsr-2231	73	2	and	and	CCONJ
bjmsr-2231	73	3	haikel	haikel	NOUN
bjmsr-2231	73	4	-	-	PUNCT
bjmsr-2231	73	5	elsabeh	elsabeh	NOUN
bjmsr-2231	73	6	(	(	PUNCT
bjmsr-2231	73	7	2019	2019	NUM
bjmsr-2231	73	8	)	)	PUNCT
bjmsr-2231	73	9	found	find	VERB
bjmsr-2231	73	10	that	that	SCONJ
bjmsr-2231	73	11	factors	factor	NOUN
bjmsr-2231	73	12	like	like	ADP
bjmsr-2231	73	13	privacy	privacy	NOUN
bjmsr-2231	73	14	,	,	PUNCT
bjmsr-2231	73	15	safety	safety	NOUN
bjmsr-2231	73	16	,	,	PUNCT
bjmsr-2231	73	17	societal	societal	ADJ
bjmsr-2231	73	18	,	,	PUNCT
bjmsr-2231	73	19	behavioural	behavioural	ADJ
bjmsr-2231	73	20	intention	intention	NOUN
bjmsr-2231	73	21	,	,	PUNCT
bjmsr-2231	73	22	and	and	CCONJ
bjmsr-2231	73	23	cultural	cultural	ADJ
bjmsr-2231	73	24	norms	norm	NOUN
bjmsr-2231	73	25	affect	affect	VERB
bjmsr-2231	73	26	perception	perception	NOUN
bjmsr-2231	73	27	and	and	CCONJ
bjmsr-2231	73	28	smpps	smpps	PROPN
bjmsr-2231	73	29	adoption	adoption	PROPN
bjmsr-2231	73	30	.	.	PUNCT
bjmsr-2231	74	1	perceived	perceive	VERB
bjmsr-2231	74	2	interactive	interactive	ADJ
bjmsr-2231	74	3	value	value	NOUN
bjmsr-2231	74	4	,	,	PUNCT
bjmsr-2231	74	5	perceived	perceive	VERB
bjmsr-2231	74	6	social	social	ADJ
bjmsr-2231	74	7	value	value	NOUN
bjmsr-2231	74	8	,	,	PUNCT
bjmsr-2231	74	9	and	and	CCONJ
bjmsr-2231	74	10	perceived	perceive	VERB
bjmsr-2231	74	11	entertainment	entertainment	NOUN
bjmsr-2231	74	12	value	value	NOUN
bjmsr-2231	74	13	also	also	ADV
bjmsr-2231	74	14	influence	influence	VERB
bjmsr-2231	74	15	payment	payment	NOUN
bjmsr-2231	74	16	behaviour	behaviour	NOUN
bjmsr-2231	74	17	through	through	ADP
bjmsr-2231	74	18	smpps	smpps	PROPN
bjmsr-2231	74	19	(	(	PUNCT
bjmsr-2231	74	20	li	li	PROPN
bjmsr-2231	74	21	et	et	PROPN
bjmsr-2231	74	22	al	al	PROPN
bjmsr-2231	74	23	.	.	PROPN
bjmsr-2231	74	24	,	,	PUNCT
bjmsr-2231	74	25	2023	2023	NUM
bjmsr-2231	74	26	)	)	PUNCT
bjmsr-2231	74	27	.	.	PUNCT
bjmsr-2231	75	1	huang	huang	PROPN
bjmsr-2231	75	2	and	and	CCONJ
bjmsr-2231	75	3	tang	tang	PROPN
bjmsr-2231	75	4	(	(	PUNCT
bjmsr-2231	75	5	2015	2015	NUM
bjmsr-2231	75	6	)	)	PUNCT
bjmsr-2231	75	7	highlight	highlight	VERB
bjmsr-2231	75	8	the	the	DET
bjmsr-2231	75	9	user	user	NOUN
bjmsr-2231	75	10	behaviours	behaviour	NOUN
bjmsr-2231	75	11	as	as	ADV
bjmsr-2231	75	12	well	well	ADV
bjmsr-2231	75	13	as	as	ADP
bjmsr-2231	75	14	perception	perception	NOUN
bjmsr-2231	75	15	and	and	CCONJ
bjmsr-2231	75	16	development	development	NOUN
bjmsr-2231	75	17	status	status	NOUN
bjmsr-2231	75	18	of	of	ADP
bjmsr-2231	75	19	we	we	PRON
bjmsr-2231	75	20	chat	chat	VERB
bjmsr-2231	75	21	pay	pay	NOUN
bjmsr-2231	75	22	.	.	PUNCT
bjmsr-2231	76	1	the	the	DET
bjmsr-2231	76	2	payment	payment	NOUN
bjmsr-2231	76	3	and	and	CCONJ
bjmsr-2231	76	4	development	development	NOUN
bjmsr-2231	76	5	status	status	NOUN
bjmsr-2231	76	6	may	may	AUX
bjmsr-2231	76	7	help	help	VERB
bjmsr-2231	76	8	the	the	DET
bjmsr-2231	76	9	future	future	ADJ
bjmsr-2231	76	10	researcher	researcher	NOUN
bjmsr-2231	76	11	to	to	PART
bjmsr-2231	76	12	predict	predict	VERB
bjmsr-2231	76	13	the	the	DET
bjmsr-2231	76	14	trend	trend	NOUN
bjmsr-2231	76	15	of	of	ADP
bjmsr-2231	76	16	smpps	smpp	NOUN
bjmsr-2231	76	17	.	.	PUNCT
bjmsr-2231	77	1	the	the	DET
bjmsr-2231	77	2	technology	technology	NOUN
bjmsr-2231	77	3	acceptance	acceptance	NOUN
bjmsr-2231	77	4	model	model	NOUN
bjmsr-2231	77	5	(	(	PUNCT
bjmsr-2231	77	6	tam	tam	PROPN
bjmsr-2231	77	7	)	)	PUNCT
bjmsr-2231	77	8	is	be	AUX
bjmsr-2231	77	9	a	a	DET
bjmsr-2231	77	10	widely	widely	ADV
bjmsr-2231	77	11	utilized	utilize	VERB
bjmsr-2231	77	12	framework	framework	NOUN
bjmsr-2231	77	13	for	for	ADP
bjmsr-2231	77	14	understanding	understand	VERB
bjmsr-2231	77	15	user	user	NOUN
bjmsr-2231	77	16	acceptance	acceptance	NOUN
bjmsr-2231	77	17	of	of	ADP
bjmsr-2231	77	18	technology	technology	NOUN
bjmsr-2231	77	19	,	,	PUNCT
bjmsr-2231	77	20	including	include	VERB
bjmsr-2231	77	21	social	social	ADJ
bjmsr-2231	77	22	media	medium	NOUN
bjmsr-2231	77	23	payment	payment	NOUN
bjmsr-2231	77	24	platforms	platform	NOUN
bjmsr-2231	77	25	(	(	PUNCT
bjmsr-2231	77	26	smpp	smpp	PROPN
bjmsr-2231	77	27	)	)	PUNCT
bjmsr-2231	77	28	.	.	PUNCT
bjmsr-2231	78	1	qu	qu	PROPN
bjmsr-2231	78	2	et	et	PROPN
bjmsr-2231	78	3	al	al	PROPN
bjmsr-2231	78	4	.	.	PROPN
bjmsr-2231	79	1	(	(	PUNCT
bjmsr-2231	79	2	2018	2018	NUM
bjmsr-2231	79	3	)	)	PUNCT
bjmsr-2231	79	4	used	use	VERB
bjmsr-2231	79	5	the	the	DET
bjmsr-2231	79	6	technology	technology	NOUN
bjmsr-2231	79	7	acceptance	acceptance	NOUN
bjmsr-2231	79	8	model	model	NOUN
bjmsr-2231	79	9	(	(	PUNCT
bjmsr-2231	79	10	tam	tam	PROPN
bjmsr-2231	79	11	)	)	PUNCT
bjmsr-2231	79	12	to	to	PART
bjmsr-2231	79	13	predict	predict	VERB
bjmsr-2231	79	14	the	the	DET
bjmsr-2231	79	15	acceptability	acceptability	NOUN
bjmsr-2231	79	16	and	and	CCONJ
bjmsr-2231	79	17	popularity	popularity	NOUN
bjmsr-2231	79	18	of	of	ADP
bjmsr-2231	79	19	smpps	smpp	NOUN
bjmsr-2231	79	20	adoption	adoption	NOUN
bjmsr-2231	79	21	.	.	PUNCT
bjmsr-2231	80	1	the	the	DET
bjmsr-2231	80	2	factors	factor	NOUN
bjmsr-2231	80	3	such	such	ADJ
bjmsr-2231	80	4	as	as	ADP
bjmsr-2231	80	5	perceived	perceive	VERB
bjmsr-2231	80	6	usefulness	usefulness	NOUN
bjmsr-2231	80	7	,	,	PUNCT
bjmsr-2231	80	8	gender	gender	NOUN
bjmsr-2231	80	9	,	,	PUNCT
bjmsr-2231	80	10	financial	financial	ADJ
bjmsr-2231	80	11	literacy	literacy	NOUN
bjmsr-2231	80	12	,	,	PUNCT
bjmsr-2231	80	13	subjective	subjective	ADJ
bjmsr-2231	80	14	norm	norm	NOUN
bjmsr-2231	80	15	,	,	PUNCT
bjmsr-2231	80	16	social	social	ADJ
bjmsr-2231	80	17	inclusion	inclusion	NOUN
bjmsr-2231	80	18	,	,	PUNCT
bjmsr-2231	80	19	etc	etc	X
bjmsr-2231	80	20	which	which	PRON
bjmsr-2231	80	21	motivate	motivate	VERB
bjmsr-2231	80	22	and	and	CCONJ
bjmsr-2231	80	23	inhibit	inhibit	VERB
bjmsr-2231	80	24	the	the	DET
bjmsr-2231	80	25	user	user	NOUN
bjmsr-2231	80	26	to	to	PART
bjmsr-2231	80	27	use	use	VERB
bjmsr-2231	80	28	smpps	smpp	NOUN
bjmsr-2231	80	29	(	(	PUNCT
bjmsr-2231	80	30	mu	mu	PROPN
bjmsr-2231	80	31	&	&	CCONJ
bjmsr-2231	80	32	lee	lee	PROPN
bjmsr-2231	80	33	2017	2017	NUM
bjmsr-2231	80	34	;	;	PUNCT
bjmsr-2231	80	35	mcdonald	mcdonald	PROPN
bjmsr-2231	80	36	,	,	PUNCT
bjmsr-2231	80	37	2020	2020	NUM
bjmsr-2231	80	38	;	;	PUNCT
bjmsr-2231	80	39	qu	qu	PROPN
bjmsr-2231	80	40	et	et	PROPN
bjmsr-2231	80	41	al	al	PROPN
bjmsr-2231	80	42	.	.	PROPN
bjmsr-2231	80	43	,	,	PUNCT
bjmsr-2231	80	44	2015	2015	NUM
bjmsr-2231	80	45	;	;	PUNCT
bjmsr-2231	80	46	seldal	seldal	PROPN
bjmsr-2231	80	47	&	&	CCONJ
bjmsr-2231	80	48	nyhus	nyhus	PROPN
bjmsr-2231	80	49	,	,	PUNCT
bjmsr-2231	80	50	2022	2022	NUM
bjmsr-2231	80	51	;	;	PUNCT
bjmsr-2231	80	52	wang	wang	PROPN
bjmsr-2231	80	53	&	&	CCONJ
bjmsr-2231	80	54	gu	gu	PROPN
bjmsr-2231	80	55	,	,	PUNCT
bjmsr-2231	80	56	2017	2017	NUM
bjmsr-2231	80	57	)	)	PUNCT
bjmsr-2231	80	58	.	.	PUNCT
bjmsr-2231	81	1	tinmaz	tinmaz	NOUN
bjmsr-2231	81	2	and	and	CCONJ
bjmsr-2231	81	3	doan	doan	NOUN
bjmsr-2231	81	4	(	(	PUNCT
bjmsr-2231	81	5	2023	2023	NUM
bjmsr-2231	81	6	)	)	PUNCT
bjmsr-2231	81	7	found	find	VERB
bjmsr-2231	81	8	that	that	SCONJ
bjmsr-2231	81	9	the	the	DET
bjmsr-2231	81	10	factor	factor	NOUN
bjmsr-2231	81	11	of	of	ADP
bjmsr-2231	81	12	convenience	convenience	NOUN
bjmsr-2231	81	13	encouraged	encourage	VERB
bjmsr-2231	81	14	the	the	DET
bjmsr-2231	81	15	user	user	NOUN
bjmsr-2231	81	16	to	to	PART
bjmsr-2231	81	17	use	use	VERB
bjmsr-2231	81	18	wechat	wechat	NOUN
bjmsr-2231	81	19	pay	pay	NOUN
bjmsr-2231	81	20	though	though	SCONJ
bjmsr-2231	81	21	it	it	PRON
bjmsr-2231	81	22	is	be	AUX
bjmsr-2231	81	23	perceived	perceive	VERB
bjmsr-2231	81	24	to	to	PART
bjmsr-2231	81	25	be	be	AUX
bjmsr-2231	81	26	unsecure	unsecure	NOUN
bjmsr-2231	81	27	.	.	PUNCT
bjmsr-2231	82	1	smpps	smpp	NOUN
bjmsr-2231	82	2	are	be	AUX
bjmsr-2231	82	3	a	a	DET
bjmsr-2231	82	4	convenient	convenient	ADJ
bjmsr-2231	82	5	pandey	pandey	PROPN
bjmsr-2231	82	6	et	et	PROPN
bjmsr-2231	82	7	al	al	PROPN
bjmsr-2231	82	8	.	.	PROPN
bjmsr-2231	82	9	,	,	PUNCT
bjmsr-2231	82	10	bangladesh	bangladesh	PROPN
bjmsr-2231	82	11	journal	journal	NOUN
bjmsr-2231	82	12	of	of	ADP
bjmsr-2231	82	13	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	82	14	scientific	scientific	ADJ
bjmsr-2231	82	15	research	research	NOUN
bjmsr-2231	82	16	9(3	9(3	NUM
bjmsr-2231	82	17	)	)	PUNCT
bjmsr-2231	82	18	(	(	PUNCT
bjmsr-2231	82	19	2024	2024	NUM
bjmsr-2231	82	20	)	)	PUNCT
bjmsr-2231	82	21	,	,	PUNCT
bjmsr-2231	82	22	33	33	NUM
bjmsr-2231	82	23	-	-	SYM
bjmsr-2231	82	24	41	41	NUM
bjmsr-2231	82	25	35	35	NUM
bjmsr-2231	82	26	payment	payment	NOUN
bjmsr-2231	82	27	method	method	NOUN
bjmsr-2231	82	28	because	because	SCONJ
bjmsr-2231	82	29	of	of	ADP
bjmsr-2231	82	30	their	their	PRON
bjmsr-2231	82	31	widespread	widespread	ADJ
bjmsr-2231	82	32	usage	usage	NOUN
bjmsr-2231	82	33	and	and	CCONJ
bjmsr-2231	82	34	comfort	comfort	NOUN
bjmsr-2231	82	35	with	with	ADP
bjmsr-2231	82	36	social	social	ADJ
bjmsr-2231	82	37	media	medium	NOUN
bjmsr-2231	82	38	(	(	PUNCT
bjmsr-2231	82	39	wei	wei	PROPN
bjmsr-2231	82	40	et	et	PROPN
bjmsr-2231	82	41	al	al	PROPN
bjmsr-2231	82	42	.	.	PROPN
bjmsr-2231	82	43	,	,	PUNCT
bjmsr-2231	82	44	2021	2021	NUM
bjmsr-2231	82	45	)	)	PUNCT
bjmsr-2231	82	46	.	.	PUNCT
bjmsr-2231	83	1	since	since	SCONJ
bjmsr-2231	83	2	,	,	PUNCT
bjmsr-2231	83	3	most	most	ADJ
bjmsr-2231	83	4	people	people	NOUN
bjmsr-2231	83	5	already	already	ADV
bjmsr-2231	83	6	use	use	VERB
bjmsr-2231	83	7	social	social	ADJ
bjmsr-2231	83	8	networking	network	VERB
bjmsr-2231	83	9	apps	app	NOUN
bjmsr-2231	83	10	to	to	PART
bjmsr-2231	83	11	connect	connect	VERB
bjmsr-2231	83	12	to	to	ADP
bjmsr-2231	83	13	each	each	DET
bjmsr-2231	83	14	other	other	ADJ
bjmsr-2231	83	15	and	and	CCONJ
bjmsr-2231	83	16	share	share	NOUN
bjmsr-2231	83	17	material	material	NOUN
bjmsr-2231	83	18	,	,	PUNCT
bjmsr-2231	83	19	adding	add	VERB
bjmsr-2231	83	20	the	the	DET
bjmsr-2231	83	21	ability	ability	NOUN
bjmsr-2231	83	22	to	to	PART
bjmsr-2231	83	23	pay	pay	VERB
bjmsr-2231	83	24	is	be	AUX
bjmsr-2231	83	25	a	a	DET
bjmsr-2231	83	26	natural	natural	ADJ
bjmsr-2231	83	27	fit	fit	NOUN
bjmsr-2231	83	28	.	.	PUNCT
bjmsr-2231	84	1	although	although	SCONJ
bjmsr-2231	84	2	smpps	smpp	NOUN
bjmsr-2231	84	3	offer	offer	VERB
bjmsr-2231	84	4	numerous	numerous	ADJ
bjmsr-2231	84	5	benefits	benefit	NOUN
bjmsr-2231	84	6	,	,	PUNCT
bjmsr-2231	84	7	they	they	PRON
bjmsr-2231	84	8	also	also	ADV
bjmsr-2231	84	9	pose	pose	VERB
bjmsr-2231	84	10	several	several	ADJ
bjmsr-2231	84	11	risks	risk	NOUN
bjmsr-2231	84	12	.	.	PUNCT
bjmsr-2231	85	1	horn	horn	NOUN
bjmsr-2231	85	2	et	et	NOUN
bjmsr-2231	85	3	al	al	PROPN
bjmsr-2231	85	4	.	.	PROPN
bjmsr-2231	85	5	(	(	PUNCT
bjmsr-2231	85	6	2020	2020	NUM
bjmsr-2231	85	7	)	)	PUNCT
bjmsr-2231	85	8	identified	identify	VERB
bjmsr-2231	85	9	various	various	ADJ
bjmsr-2231	85	10	risks	risk	NOUN
bjmsr-2231	85	11	associated	associate	VERB
bjmsr-2231	85	12	with	with	ADP
bjmsr-2231	85	13	smpp	smpp	PROPN
bjmsr-2231	85	14	adoption	adoption	PROPN
bjmsr-2231	85	15	,	,	PUNCT
bjmsr-2231	85	16	including	include	VERB
bjmsr-2231	85	17	technological	technological	ADJ
bjmsr-2231	85	18	,	,	PUNCT
bjmsr-2231	85	19	ecological	ecological	ADJ
bjmsr-2231	85	20	,	,	PUNCT
bjmsr-2231	85	21	opportunity	opportunity	NOUN
bjmsr-2231	85	22	,	,	PUNCT
bjmsr-2231	85	23	and	and	CCONJ
bjmsr-2231	85	24	societal	societal	ADJ
bjmsr-2231	85	25	risks	risk	NOUN
bjmsr-2231	85	26	that	that	PRON
bjmsr-2231	85	27	affect	affect	VERB
bjmsr-2231	85	28	user	user	NOUN
bjmsr-2231	85	29	payment	payment	NOUN
bjmsr-2231	85	30	systems	system	NOUN
bjmsr-2231	85	31	.	.	PUNCT
bjmsr-2231	86	1	these	these	DET
bjmsr-2231	86	2	risks	risk	NOUN
bjmsr-2231	86	3	highlight	highlight	VERB
bjmsr-2231	86	4	the	the	DET
bjmsr-2231	86	5	complexities	complexity	NOUN
bjmsr-2231	86	6	and	and	CCONJ
bjmsr-2231	86	7	potential	potential	ADJ
bjmsr-2231	86	8	vulnerabilities	vulnerability	NOUN
bjmsr-2231	86	9	inherent	inherent	ADJ
bjmsr-2231	86	10	in	in	ADP
bjmsr-2231	86	11	adopting	adopt	VERB
bjmsr-2231	86	12	smpps	smpp	NOUN
bjmsr-2231	86	13	.	.	PUNCT
bjmsr-2231	87	1	additionally	additionally	ADV
bjmsr-2231	87	2	,	,	PUNCT
bjmsr-2231	87	3	wong	wong	PROPN
bjmsr-2231	87	4	et	et	PROPN
bjmsr-2231	87	5	al	al	PROPN
bjmsr-2231	87	6	.	.	PROPN
bjmsr-2231	87	7	(	(	PUNCT
bjmsr-2231	87	8	2022	2022	NUM
bjmsr-2231	87	9	)	)	PUNCT
bjmsr-2231	87	10	discussed	discuss	VERB
bjmsr-2231	87	11	several	several	ADJ
bjmsr-2231	87	12	cognitive	cognitive	ADJ
bjmsr-2231	87	13	behavioral	behavioral	ADJ
bjmsr-2231	87	14	factors	factor	NOUN
bjmsr-2231	87	15	that	that	PRON
bjmsr-2231	87	16	influence	influence	VERB
bjmsr-2231	87	17	user	user	NOUN
bjmsr-2231	87	18	behavior	behavior	NOUN
bjmsr-2231	87	19	on	on	ADP
bjmsr-2231	87	20	mobile	mobile	ADJ
bjmsr-2231	87	21	social	social	ADJ
bjmsr-2231	87	22	payment	payment	NOUN
bjmsr-2231	87	23	platforms	platform	NOUN
bjmsr-2231	87	24	.	.	PUNCT
bjmsr-2231	88	1	these	these	DET
bjmsr-2231	88	2	factors	factor	NOUN
bjmsr-2231	88	3	include	include	VERB
bjmsr-2231	88	4	perceived	perceive	VERB
bjmsr-2231	88	5	risk	risk	NOUN
bjmsr-2231	88	6	,	,	PUNCT
bjmsr-2231	88	7	perceived	perceive	VERB
bjmsr-2231	88	8	entertainment	entertainment	NOUN
bjmsr-2231	88	9	,	,	PUNCT
bjmsr-2231	88	10	social	social	ADJ
bjmsr-2231	88	11	influence	influence	NOUN
bjmsr-2231	88	12	,	,	PUNCT
bjmsr-2231	88	13	and	and	CCONJ
bjmsr-2231	88	14	consumer	consumer	NOUN
bjmsr-2231	88	15	innovativeness	innovativeness	NOUN
bjmsr-2231	88	16	,	,	PUNCT
bjmsr-2231	88	17	each	each	PRON
bjmsr-2231	88	18	playing	play	VERB
bjmsr-2231	88	19	a	a	DET
bjmsr-2231	88	20	significant	significant	ADJ
bjmsr-2231	88	21	role	role	NOUN
bjmsr-2231	88	22	in	in	ADP
bjmsr-2231	88	23	shaping	shape	VERB
bjmsr-2231	88	24	user	user	NOUN
bjmsr-2231	88	25	attitudes	attitude	NOUN
bjmsr-2231	88	26	and	and	CCONJ
bjmsr-2231	88	27	behaviors	behavior	NOUN
bjmsr-2231	88	28	toward	toward	ADP
bjmsr-2231	88	29	smpps	smpp	NOUN
bjmsr-2231	88	30	.	.	PUNCT
bjmsr-2231	89	1	liébana	liébana	PROPN
bjmsr-2231	89	2	-	-	PUNCT
bjmsr-2231	89	3	cabanillas	cabanilla	NOUN
bjmsr-2231	89	4	et	et	PROPN
bjmsr-2231	89	5	al	al	PROPN
bjmsr-2231	89	6	.	.	PROPN
bjmsr-2231	90	1	(	(	PUNCT
bjmsr-2231	90	2	2020	2020	NUM
bjmsr-2231	90	3	)	)	PUNCT
bjmsr-2231	90	4	further	far	ADV
bjmsr-2231	90	5	emphasized	emphasize	VERB
bjmsr-2231	90	6	that	that	SCONJ
bjmsr-2231	90	7	perceived	perceive	VERB
bjmsr-2231	90	8	usefulness	usefulness	NOUN
bjmsr-2231	90	9	,	,	PUNCT
bjmsr-2231	90	10	perceived	perceive	VERB
bjmsr-2231	90	11	satisfaction	satisfaction	NOUN
bjmsr-2231	90	12	,	,	PUNCT
bjmsr-2231	90	13	perceived	perceive	VERB
bjmsr-2231	90	14	risk	risk	NOUN
bjmsr-2231	90	15	,	,	PUNCT
bjmsr-2231	90	16	and	and	CCONJ
bjmsr-2231	90	17	perceived	perceive	VERB
bjmsr-2231	90	18	trust	trust	NOUN
bjmsr-2231	90	19	are	be	AUX
bjmsr-2231	90	20	critical	critical	ADJ
bjmsr-2231	90	21	factors	factor	NOUN
bjmsr-2231	90	22	influencing	influence	VERB
bjmsr-2231	90	23	the	the	DET
bjmsr-2231	90	24	intention	intention	NOUN
bjmsr-2231	90	25	to	to	PART
bjmsr-2231	90	26	use	use	VERB
bjmsr-2231	90	27	mobile	mobile	ADJ
bjmsr-2231	90	28	payment	payment	NOUN
bjmsr-2231	90	29	services	service	NOUN
bjmsr-2231	90	30	.	.	PUNCT
bjmsr-2231	91	1	the	the	DET
bjmsr-2231	91	2	interplay	interplay	NOUN
bjmsr-2231	91	3	of	of	ADP
bjmsr-2231	91	4	these	these	DET
bjmsr-2231	91	5	factors	factor	NOUN
bjmsr-2231	91	6	underscores	underscore	VERB
bjmsr-2231	91	7	the	the	DET
bjmsr-2231	91	8	multifaceted	multifaceted	ADJ
bjmsr-2231	91	9	nature	nature	NOUN
bjmsr-2231	91	10	of	of	ADP
bjmsr-2231	91	11	smpp	smpp	PROPN
bjmsr-2231	91	12	adoption	adoption	NOUN
bjmsr-2231	91	13	and	and	CCONJ
bjmsr-2231	91	14	the	the	DET
bjmsr-2231	91	15	need	need	NOUN
bjmsr-2231	91	16	for	for	ADP
bjmsr-2231	91	17	a	a	DET
bjmsr-2231	91	18	comprehensive	comprehensive	ADJ
bjmsr-2231	91	19	understanding	understanding	NOUN
bjmsr-2231	91	20	of	of	ADP
bjmsr-2231	91	21	user	user	NOUN
bjmsr-2231	91	22	perceptions	perception	NOUN
bjmsr-2231	91	23	and	and	CCONJ
bjmsr-2231	91	24	behaviors	behavior	NOUN
bjmsr-2231	91	25	.	.	PUNCT
bjmsr-2231	92	1	furthermore	furthermore	ADV
bjmsr-2231	92	2	,	,	PUNCT
bjmsr-2231	92	3	smpps	smpp	NOUN
bjmsr-2231	92	4	facilitate	facilitate	VERB
bjmsr-2231	92	5	cross	cross	ADJ
bjmsr-2231	92	6	-	-	ADJ
bjmsr-2231	92	7	border	border	ADJ
bjmsr-2231	92	8	shopping	shopping	NOUN
bjmsr-2231	92	9	directly	directly	ADV
bjmsr-2231	92	10	within	within	ADP
bjmsr-2231	92	11	social	social	ADJ
bjmsr-2231	92	12	media	medium	NOUN
bjmsr-2231	92	13	apps	app	NOUN
bjmsr-2231	92	14	such	such	ADJ
bjmsr-2231	92	15	as	as	ADP
bjmsr-2231	92	16	instagram	instagram	PROPN
bjmsr-2231	92	17	and	and	CCONJ
bjmsr-2231	92	18	facebook	facebook	PROPN
bjmsr-2231	92	19	,	,	PUNCT
bjmsr-2231	92	20	as	as	SCONJ
bjmsr-2231	92	21	noted	note	VERB
bjmsr-2231	92	22	by	by	ADP
bjmsr-2231	92	23	mclean	mclean	PROPN
bjmsr-2231	92	24	et	et	PROPN
bjmsr-2231	92	25	al	al	PROPN
bjmsr-2231	92	26	.	.	PROPN
bjmsr-2231	92	27	(	(	PUNCT
bjmsr-2231	92	28	2020	2020	NUM
bjmsr-2231	92	29	)	)	PUNCT
bjmsr-2231	92	30	.	.	PUNCT
bjmsr-2231	93	1	this	this	DET
bjmsr-2231	93	2	integration	integration	NOUN
bjmsr-2231	93	3	of	of	ADP
bjmsr-2231	93	4	payment	payment	NOUN
bjmsr-2231	93	5	functionalities	functionality	NOUN
bjmsr-2231	93	6	within	within	ADP
bjmsr-2231	93	7	popular	popular	ADJ
bjmsr-2231	93	8	social	social	ADJ
bjmsr-2231	93	9	media	medium	NOUN
bjmsr-2231	93	10	platforms	platform	NOUN
bjmsr-2231	93	11	exemplifies	exemplify	VERB
bjmsr-2231	93	12	the	the	DET
bjmsr-2231	93	13	growing	grow	VERB
bjmsr-2231	93	14	trend	trend	NOUN
bjmsr-2231	93	15	of	of	ADP
bjmsr-2231	93	16	combining	combine	VERB
bjmsr-2231	93	17	social	social	ADJ
bjmsr-2231	93	18	networking	networking	NOUN
bjmsr-2231	93	19	and	and	CCONJ
bjmsr-2231	93	20	financial	financial	ADJ
bjmsr-2231	93	21	transactions	transaction	NOUN
bjmsr-2231	93	22	,	,	PUNCT
bjmsr-2231	93	23	offering	offer	VERB
bjmsr-2231	93	24	convenience	convenience	NOUN
bjmsr-2231	93	25	and	and	CCONJ
bjmsr-2231	93	26	enhanced	enhance	VERB
bjmsr-2231	93	27	user	user	NOUN
bjmsr-2231	93	28	experience	experience	NOUN
bjmsr-2231	93	29	.	.	PUNCT
bjmsr-2231	94	1	however	however	ADV
bjmsr-2231	94	2	,	,	PUNCT
bjmsr-2231	94	3	the	the	DET
bjmsr-2231	94	4	associated	associated	ADJ
bjmsr-2231	94	5	risks	risk	NOUN
bjmsr-2231	94	6	and	and	CCONJ
bjmsr-2231	94	7	cognitive	cognitive	ADJ
bjmsr-2231	94	8	factors	factor	NOUN
bjmsr-2231	94	9	must	must	AUX
bjmsr-2231	94	10	be	be	AUX
bjmsr-2231	94	11	carefully	carefully	ADV
bjmsr-2231	94	12	managed	manage	VERB
bjmsr-2231	94	13	to	to	PART
bjmsr-2231	94	14	ensure	ensure	VERB
bjmsr-2231	94	15	user	user	NOUN
bjmsr-2231	94	16	trust	trust	NOUN
bjmsr-2231	94	17	and	and	CCONJ
bjmsr-2231	94	18	satisfaction	satisfaction	NOUN
bjmsr-2231	94	19	.	.	PUNCT
bjmsr-2231	95	1	therefore	therefore	ADV
bjmsr-2231	95	2	,	,	PUNCT
bjmsr-2231	95	3	subsequent	subsequent	ADJ
bjmsr-2231	95	4	review	review	NOUN
bjmsr-2231	95	5	of	of	ADP
bjmsr-2231	95	6	the	the	DET
bjmsr-2231	95	7	literature	literature	NOUN
bjmsr-2231	95	8	,	,	PUNCT
bjmsr-2231	95	9	we	we	PRON
bjmsr-2231	95	10	have	have	AUX
bjmsr-2231	95	11	identified	identify	VERB
bjmsr-2231	95	12	the	the	DET
bjmsr-2231	95	13	research	research	NOUN
bjmsr-2231	95	14	gap	gap	NOUN
bjmsr-2231	95	15	that	that	PRON
bjmsr-2231	95	16	this	this	DET
bjmsr-2231	95	17	research	research	NOUN
bjmsr-2231	95	18	uncovered	uncover	VERB
bjmsr-2231	95	19	the	the	DET
bjmsr-2231	95	20	determination	determination	NOUN
bjmsr-2231	95	21	to	to	PART
bjmsr-2231	95	22	do	do	AUX
bjmsr-2231	95	23	shopping	shop	VERB
bjmsr-2231	95	24	and	and	CCONJ
bjmsr-2231	95	25	buy	buy	VERB
bjmsr-2231	95	26	on	on	ADP
bjmsr-2231	95	27	product	product	NOUN
bjmsr-2231	95	28	through	through	ADP
bjmsr-2231	95	29	social	social	ADJ
bjmsr-2231	95	30	media	medium	NOUN
bjmsr-2231	95	31	platforms	platform	NOUN
bjmsr-2231	95	32	such	such	ADJ
bjmsr-2231	95	33	as	as	ADP
bjmsr-2231	95	34	,	,	PUNCT
bjmsr-2231	95	35	instagram	instagram	PROPN
bjmsr-2231	95	36	and	and	CCONJ
bjmsr-2231	95	37	facebook	facebook	PROPN
bjmsr-2231	95	38	which	which	PRON
bjmsr-2231	95	39	is	be	AUX
bjmsr-2231	95	40	further	far	ADV
bjmsr-2231	95	41	influenced	influence	VERB
bjmsr-2231	95	42	by	by	ADP
bjmsr-2231	95	43	various	various	ADJ
bjmsr-2231	95	44	elements	element	NOUN
bjmsr-2231	95	45	such	such	ADJ
bjmsr-2231	95	46	as	as	ADP
bjmsr-2231	95	47	demographics	demographic	NOUN
bjmsr-2231	95	48	,	,	PUNCT
bjmsr-2231	95	49	cognitive	cognitive	ADJ
bjmsr-2231	95	50	factors	factor	NOUN
bjmsr-2231	95	51	,	,	PUNCT
bjmsr-2231	95	52	and	and	CCONJ
bjmsr-2231	95	53	beliefs	belief	NOUN
bjmsr-2231	95	54	.	.	PUNCT
bjmsr-2231	96	1	as	as	SCONJ
bjmsr-2231	96	2	mobile	mobile	ADJ
bjmsr-2231	96	3	phones	phone	NOUN
bjmsr-2231	96	4	became	become	VERB
bjmsr-2231	96	5	increasingly	increasingly	ADV
bjmsr-2231	96	6	prevalent	prevalent	ADJ
bjmsr-2231	96	7	,	,	PUNCT
bjmsr-2231	96	8	social	social	ADJ
bjmsr-2231	96	9	network	network	NOUN
bjmsr-2231	96	10	platforms	platform	NOUN
bjmsr-2231	96	11	emerged	emerge	VERB
bjmsr-2231	96	12	as	as	ADP
bjmsr-2231	96	13	ubiquitous	ubiquitous	ADJ
bjmsr-2231	96	14	media	medium	NOUN
bjmsr-2231	96	15	,	,	PUNCT
bjmsr-2231	96	16	paving	pave	VERB
bjmsr-2231	96	17	the	the	DET
bjmsr-2231	96	18	way	way	NOUN
bjmsr-2231	96	19	for	for	SCONJ
bjmsr-2231	96	20	online	online	ADJ
bjmsr-2231	96	21	purchasing	purchasing	NOUN
bjmsr-2231	96	22	to	to	PART
bjmsr-2231	96	23	become	become	VERB
bjmsr-2231	96	24	a	a	DET
bjmsr-2231	96	25	popular	popular	ADJ
bjmsr-2231	96	26	trend	trend	NOUN
bjmsr-2231	96	27	in	in	ADP
bjmsr-2231	96	28	e	e	NOUN
bjmsr-2231	96	29	-	-	NOUN
bjmsr-2231	96	30	commerce	commerce	NOUN
bjmsr-2231	96	31	.	.	PUNCT
bjmsr-2231	97	1	materials	material	NOUN
bjmsr-2231	97	2	and	and	CCONJ
bjmsr-2231	97	3	methods	method	NOUN
bjmsr-2231	97	4	the	the	DET
bjmsr-2231	97	5	research	research	NOUN
bjmsr-2231	97	6	methodology	methodology	NOUN
bjmsr-2231	97	7	adopted	adopt	VERB
bjmsr-2231	97	8	in	in	ADP
bjmsr-2231	97	9	this	this	DET
bjmsr-2231	97	10	study	study	NOUN
bjmsr-2231	97	11	is	be	AUX
bjmsr-2231	97	12	explained	explain	VERB
bjmsr-2231	97	13	in	in	ADP
bjmsr-2231	97	14	the	the	DET
bjmsr-2231	97	15	following	follow	VERB
bjmsr-2231	97	16	paragraphs	paragraph	NOUN
bjmsr-2231	97	17	:	:	PUNCT
bjmsr-2231	97	18	research	research	NOUN
bjmsr-2231	97	19	design	design	NOUN
bjmsr-2231	97	20	the	the	DET
bjmsr-2231	97	21	study	study	NOUN
bjmsr-2231	97	22	was	be	AUX
bjmsr-2231	97	23	carried	carry	VERB
bjmsr-2231	97	24	out	out	ADP
bjmsr-2231	97	25	with	with	ADP
bjmsr-2231	97	26	a	a	DET
bjmsr-2231	97	27	qualitative	qualitative	ADJ
bjmsr-2231	97	28	approach	approach	NOUN
bjmsr-2231	97	29	.	.	PUNCT
bjmsr-2231	98	1	in	in	ADP
bjmsr-2231	98	2	-	-	PUNCT
bjmsr-2231	98	3	depth	depth	NOUN
bjmsr-2231	98	4	,	,	PUNCT
bjmsr-2231	98	5	semi	semi	ADJ
bjmsr-2231	98	6	-	-	ADJ
bjmsr-2231	98	7	structured	structured	ADJ
bjmsr-2231	98	8	interviews	interview	NOUN
bjmsr-2231	98	9	were	be	AUX
bjmsr-2231	98	10	conducted	conduct	VERB
bjmsr-2231	98	11	in	in	ADP
bjmsr-2231	98	12	this	this	DET
bjmsr-2231	98	13	study	study	NOUN
bjmsr-2231	98	14	.	.	PUNCT
bjmsr-2231	99	1	these	these	DET
bjmsr-2231	99	2	semi	semi	ADJ
bjmsr-2231	99	3	-	-	ADJ
bjmsr-2231	99	4	structured	structured	ADJ
bjmsr-2231	99	5	interviews	interview	NOUN
bjmsr-2231	99	6	were	be	AUX
bjmsr-2231	99	7	then	then	ADV
bjmsr-2231	99	8	put	put	VERB
bjmsr-2231	99	9	to	to	ADP
bjmsr-2231	99	10	thematic	thematic	ADJ
bjmsr-2231	99	11	analysis	analysis	NOUN
bjmsr-2231	99	12	.	.	PUNCT
bjmsr-2231	100	1	it	it	PRON
bjmsr-2231	100	2	allowed	allow	VERB
bjmsr-2231	100	3	us	we	PRON
bjmsr-2231	100	4	to	to	PART
bjmsr-2231	100	5	fully	fully	ADV
bjmsr-2231	100	6	understand	understand	VERB
bjmsr-2231	100	7	the	the	DET
bjmsr-2231	100	8	participant	participant	NOUN
bjmsr-2231	100	9	's	's	PART
bjmsr-2231	100	10	behaviour	behaviour	NOUN
bjmsr-2231	100	11	patterns	pattern	NOUN
bjmsr-2231	100	12	and	and	CCONJ
bjmsr-2231	100	13	perception	perception	NOUN
bjmsr-2231	100	14	of	of	ADP
bjmsr-2231	100	15	smpp	smpp	PROPN
bjmsr-2231	100	16	users	user	NOUN
bjmsr-2231	100	17	.	.	PUNCT
bjmsr-2231	101	1	thematic	thematic	ADJ
bjmsr-2231	101	2	analysis	analysis	NOUN
bjmsr-2231	101	3	is	be	AUX
bjmsr-2231	101	4	the	the	DET
bjmsr-2231	101	5	most	most	ADV
bjmsr-2231	101	6	relevant	relevant	ADJ
bjmsr-2231	101	7	method	method	NOUN
bjmsr-2231	101	8	for	for	ADP
bjmsr-2231	101	9	qualitative	qualitative	ADJ
bjmsr-2231	101	10	analysis	analysis	NOUN
bjmsr-2231	101	11	.	.	PUNCT
bjmsr-2231	102	1	braun	braun	NOUN
bjmsr-2231	102	2	and	and	CCONJ
bjmsr-2231	102	3	clarke	clarke	PROPN
bjmsr-2231	102	4	(	(	PUNCT
bjmsr-2231	102	5	2016	2016	NUM
bjmsr-2231	102	6	)	)	PUNCT
bjmsr-2231	102	7	found	find	VERB
bjmsr-2231	102	8	that	that	SCONJ
bjmsr-2231	102	9	thematic	thematic	ADJ
bjmsr-2231	102	10	analysis	analysis	NOUN
bjmsr-2231	102	11	can	can	AUX
bjmsr-2231	102	12	be	be	AUX
bjmsr-2231	102	13	used	use	VERB
bjmsr-2231	102	14	to	to	PART
bjmsr-2231	102	15	predict	predict	VERB
bjmsr-2231	102	16	the	the	DET
bjmsr-2231	102	17	experience	experience	NOUN
bjmsr-2231	102	18	and	and	CCONJ
bjmsr-2231	102	19	behaviour	behaviour	NOUN
bjmsr-2231	102	20	patterns	pattern	NOUN
bjmsr-2231	102	21	of	of	ADP
bjmsr-2231	102	22	users	user	NOUN
bjmsr-2231	102	23	on	on	ADP
bjmsr-2231	102	24	a	a	DET
bjmsr-2231	102	25	particular	particular	ADJ
bjmsr-2231	102	26	phenomenon	phenomenon	NOUN
bjmsr-2231	102	27	.	.	PUNCT
bjmsr-2231	103	1	we	we	PRON
bjmsr-2231	103	2	used	use	VERB
bjmsr-2231	103	3	a	a	DET
bjmsr-2231	103	4	blend	blend	NOUN
bjmsr-2231	103	5	of	of	ADP
bjmsr-2231	103	6	latent	latent	NOUN
bjmsr-2231	103	7	and	and	CCONJ
bjmsr-2231	103	8	deductive	deductive	ADJ
bjmsr-2231	103	9	approach	approach	NOUN
bjmsr-2231	103	10	of	of	ADP
bjmsr-2231	103	11	thematic	thematic	ADJ
bjmsr-2231	103	12	analysis	analysis	NOUN
bjmsr-2231	103	13	.	.	PUNCT
bjmsr-2231	104	1	sample	sample	NOUN
bjmsr-2231	104	2	selection	selection	NOUN
bjmsr-2231	104	3	for	for	ADP
bjmsr-2231	104	4	this	this	DET
bjmsr-2231	104	5	study	study	NOUN
bjmsr-2231	104	6	,	,	PUNCT
bjmsr-2231	104	7	the	the	DET
bjmsr-2231	104	8	sample	sample	NOUN
bjmsr-2231	104	9	of	of	ADP
bjmsr-2231	104	10	12	12	NUM
bjmsr-2231	104	11	participants	participant	NOUN
bjmsr-2231	104	12	of	of	ADP
bjmsr-2231	104	13	different	different	ADJ
bjmsr-2231	104	14	age	age	NOUN
bjmsr-2231	104	15	groups	group	NOUN
bjmsr-2231	104	16	with	with	ADP
bjmsr-2231	104	17	aligning	align	VERB
bjmsr-2231	104	18	interests	interest	NOUN
bjmsr-2231	104	19	of	of	ADP
bjmsr-2231	104	20	smpps	smpp	NOUN
bjmsr-2231	104	21	have	have	AUX
bjmsr-2231	104	22	been	be	AUX
bjmsr-2231	104	23	selected	select	VERB
bjmsr-2231	104	24	from	from	ADP
bjmsr-2231	104	25	uttar	uttar	PROPN
bjmsr-2231	104	26	pradesh	pradesh	PROPN
bjmsr-2231	104	27	(	(	PUNCT
bjmsr-2231	104	28	up	up	ADP
bjmsr-2231	104	29	)	)	PUNCT
bjmsr-2231	104	30	,	,	PUNCT
bjmsr-2231	104	31	india	india	PROPN
bjmsr-2231	104	32	.	.	PUNCT
bjmsr-2231	105	1	in	in	ADP
bjmsr-2231	105	2	the	the	DET
bjmsr-2231	105	3	year	year	NOUN
bjmsr-2231	105	4	2020	2020	NUM
bjmsr-2231	105	5	,	,	PUNCT
bjmsr-2231	105	6	national	national	ADJ
bjmsr-2231	105	7	payment	payment	NOUN
bjmsr-2231	105	8	corporation	corporation	NOUN
bjmsr-2231	105	9	of	of	ADP
bjmsr-2231	105	10	india	india	PROPN
bjmsr-2231	105	11	(	(	PUNCT
bjmsr-2231	105	12	npci	npci	ADJ
bjmsr-2231	105	13	)	)	PUNCT
bjmsr-2231	105	14	introduced	introduce	VERB
bjmsr-2231	105	15	in	in	ADP
bjmsr-2231	105	16	-	-	PUNCT
bjmsr-2231	105	17	chat	chat	NOUN
bjmsr-2231	105	18	payment	payment	NOUN
bjmsr-2231	105	19	facilities	facility	NOUN
bjmsr-2231	105	20	in	in	ADP
bjmsr-2231	105	21	popular	popular	ADJ
bjmsr-2231	105	22	social	social	ADJ
bjmsr-2231	105	23	media	medium	NOUN
bjmsr-2231	105	24	apps	app	NOUN
bjmsr-2231	105	25	such	such	ADJ
bjmsr-2231	105	26	as	as	ADP
bjmsr-2231	105	27	whatsapp	whatsapp	NOUN
bjmsr-2231	105	28	pay	pay	NOUN
bjmsr-2231	105	29	,	,	PUNCT
bjmsr-2231	105	30	facebook	facebook	NOUN
bjmsr-2231	105	31	pay	pay	NOUN
bjmsr-2231	105	32	,	,	PUNCT
bjmsr-2231	105	33	and	and	CCONJ
bjmsr-2231	105	34	instagram	instagram	PROPN
bjmsr-2231	105	35	pay	pay	VERB
bjmsr-2231	105	36	.	.	PUNCT
bjmsr-2231	106	1	with	with	ADP
bjmsr-2231	106	2	india	india	PROPN
bjmsr-2231	106	3	boasting	boast	VERB
bjmsr-2231	106	4	467.0	467.0	NUM
bjmsr-2231	106	5	million	million	NUM
bjmsr-2231	106	6	social	social	ADJ
bjmsr-2231	106	7	media	medium	NOUN
bjmsr-2231	106	8	users	user	NOUN
bjmsr-2231	106	9	as	as	ADP
bjmsr-2231	106	10	of	of	ADP
bjmsr-2231	106	11	january	january	PROPN
bjmsr-2231	106	12	2023	2023	NUM
bjmsr-2231	106	13	,	,	PUNCT
bjmsr-2231	106	14	constituting	constitute	VERB
bjmsr-2231	106	15	32.8	32.8	NUM
bjmsr-2231	106	16	%	%	NOUN
bjmsr-2231	106	17	of	of	ADP
bjmsr-2231	106	18	the	the	DET
bjmsr-2231	106	19	total	total	ADJ
bjmsr-2231	106	20	population	population	NOUN
bjmsr-2231	106	21	,	,	PUNCT
bjmsr-2231	106	22	integrating	integrate	VERB
bjmsr-2231	106	23	payment	payment	NOUN
bjmsr-2231	106	24	features	feature	NOUN
bjmsr-2231	106	25	into	into	ADP
bjmsr-2231	106	26	these	these	DET
bjmsr-2231	106	27	platforms	platform	NOUN
bjmsr-2231	106	28	significantly	significantly	ADV
bjmsr-2231	106	29	enhances	enhance	VERB
bjmsr-2231	106	30	digital	digital	ADJ
bjmsr-2231	106	31	transactions	transaction	NOUN
bjmsr-2231	106	32	(	(	PUNCT
bjmsr-2231	106	33	kemp	kemp	PROPN
bjmsr-2231	106	34	,	,	PUNCT
bjmsr-2231	106	35	2013	2013	NUM
bjmsr-2231	106	36	)	)	PUNCT
bjmsr-2231	106	37	.	.	PUNCT
bjmsr-2231	107	1	uttar	uttar	PROPN
bjmsr-2231	107	2	pradesh	pradesh	PROPN
bjmsr-2231	107	3	,	,	PUNCT
bjmsr-2231	107	4	one	one	NUM
bjmsr-2231	107	5	of	of	ADP
bjmsr-2231	107	6	india	india	PROPN
bjmsr-2231	107	7	's	's	PART
bjmsr-2231	107	8	largest	large	ADJ
bjmsr-2231	107	9	states	state	NOUN
bjmsr-2231	107	10	in	in	ADP
bjmsr-2231	107	11	both	both	DET
bjmsr-2231	107	12	population	population	NOUN
bjmsr-2231	107	13	and	and	CCONJ
bjmsr-2231	107	14	geographical	geographical	ADJ
bjmsr-2231	107	15	size	size	NOUN
bjmsr-2231	107	16	.	.	PUNCT
bjmsr-2231	108	1	with	with	ADP
bjmsr-2231	108	2	a	a	DET
bjmsr-2231	108	3	population	population	NOUN
bjmsr-2231	108	4	exceeding	exceed	VERB
bjmsr-2231	108	5	240	240	NUM
bjmsr-2231	108	6	million	million	NUM
bjmsr-2231	108	7	in	in	ADP
bjmsr-2231	108	8	2024	2024	NUM
bjmsr-2231	108	9	,	,	PUNCT
bjmsr-2231	108	10	uttar	uttar	PROPN
bjmsr-2231	108	11	pradesh	pradesh	PROPN
bjmsr-2231	108	12	holds	hold	VERB
bjmsr-2231	108	13	the	the	DET
bjmsr-2231	108	14	distinction	distinction	NOUN
bjmsr-2231	108	15	of	of	ADP
bjmsr-2231	108	16	being	be	AUX
bjmsr-2231	108	17	the	the	DET
bjmsr-2231	108	18	world	world	NOUN
bjmsr-2231	108	19	's	's	PART
bjmsr-2231	108	20	most	most	ADV
bjmsr-2231	108	21	populous	populous	ADJ
bjmsr-2231	108	22	sub	sub	ADJ
bjmsr-2231	108	23	-	-	ADJ
bjmsr-2231	108	24	national	national	ADJ
bjmsr-2231	108	25	entity	entity	NOUN
bjmsr-2231	108	26	.	.	PUNCT
bjmsr-2231	109	1	according	accord	VERB
bjmsr-2231	109	2	to	to	ADP
bjmsr-2231	109	3	the	the	DET
bjmsr-2231	109	4	national	national	PROPN
bjmsr-2231	109	5	family	family	PROPN
bjmsr-2231	109	6	health	health	PROPN
bjmsr-2231	109	7	survey-5	survey-5	PROPN
bjmsr-2231	109	8	,	,	PUNCT
bjmsr-2231	109	9	30.6	30.6	NUM
bjmsr-2231	109	10	%	%	NOUN
bjmsr-2231	109	11	of	of	ADP
bjmsr-2231	109	12	females	female	NOUN
bjmsr-2231	109	13	and	and	CCONJ
bjmsr-2231	109	14	59.1	59.1	NUM
bjmsr-2231	109	15	%	%	NOUN
bjmsr-2231	109	16	of	of	ADP
bjmsr-2231	109	17	males	male	NOUN
bjmsr-2231	109	18	in	in	ADP
bjmsr-2231	109	19	uttar	uttar	PROPN
bjmsr-2231	109	20	pradesh	pradesh	PROPN
bjmsr-2231	109	21	use	use	VERB
bjmsr-2231	109	22	the	the	DET
bjmsr-2231	109	23	internet	internet	NOUN
bjmsr-2231	109	24	.	.	PUNCT
bjmsr-2231	110	1	among	among	ADP
bjmsr-2231	110	2	internet	internet	NOUN
bjmsr-2231	110	3	users	user	NOUN
bjmsr-2231	110	4	,	,	PUNCT
bjmsr-2231	110	5	70	70	NUM
bjmsr-2231	110	6	%	%	NOUN
bjmsr-2231	110	7	utilize	utilize	VERB
bjmsr-2231	110	8	it	it	PRON
bjmsr-2231	110	9	for	for	ADP
bjmsr-2231	110	10	social	social	ADJ
bjmsr-2231	110	11	media	medium	NOUN
bjmsr-2231	110	12	purposes	purpose	NOUN
bjmsr-2231	110	13	,	,	PUNCT
bjmsr-2231	110	14	and	and	CCONJ
bjmsr-2231	110	15	71	71	NUM
bjmsr-2231	110	16	%	%	NOUN
bjmsr-2231	110	17	prefer	prefer	VERB
bjmsr-2231	110	18	digital	digital	ADJ
bjmsr-2231	110	19	payments	payment	NOUN
bjmsr-2231	110	20	for	for	ADP
bjmsr-2231	110	21	online	online	ADJ
bjmsr-2231	110	22	transactions	transaction	NOUN
bjmsr-2231	110	23	.	.	PUNCT
bjmsr-2231	111	1	shed	shed	VERB
bjmsr-2231	111	2	light	light	NOUN
bjmsr-2231	111	3	on	on	ADP
bjmsr-2231	111	4	the	the	DET
bjmsr-2231	111	5	adoption	adoption	NOUN
bjmsr-2231	111	6	and	and	CCONJ
bjmsr-2231	111	7	usage	usage	NOUN
bjmsr-2231	111	8	of	of	ADP
bjmsr-2231	111	9	digital	digital	ADJ
bjmsr-2231	111	10	payments	payment	NOUN
bjmsr-2231	111	11	among	among	ADP
bjmsr-2231	111	12	rural	rural	ADJ
bjmsr-2231	111	13	communities	community	NOUN
bjmsr-2231	111	14	in	in	ADP
bjmsr-2231	111	15	uttar	uttar	PROPN
bjmsr-2231	111	16	pradesh	pradesh	PROPN
bjmsr-2231	111	17	,	,	PUNCT
bjmsr-2231	111	18	indicating	indicate	VERB
bjmsr-2231	111	19	a	a	DET
bjmsr-2231	111	20	shifting	shift	VERB
bjmsr-2231	111	21	landscape	landscape	NOUN
bjmsr-2231	111	22	towards	towards	ADP
bjmsr-2231	111	23	digital	digital	ADJ
bjmsr-2231	111	24	transactions	transaction	NOUN
bjmsr-2231	111	25	in	in	ADP
bjmsr-2231	111	26	the	the	DET
bjmsr-2231	111	27	region	region	NOUN
bjmsr-2231	111	28	.	.	PUNCT
bjmsr-2231	112	1	ofori	ofori	ADJ
bjmsr-2231	112	2	-	-	PUNCT
bjmsr-2231	112	3	okyere	okyere	NOUN
bjmsr-2231	112	4	et	et	PROPN
bjmsr-2231	112	5	al	al	PROPN
bjmsr-2231	112	6	.	.	PROPN
bjmsr-2231	113	1	(	(	PUNCT
bjmsr-2231	113	2	2023	2023	NUM
bjmsr-2231	113	3	)	)	PUNCT
bjmsr-2231	113	4	in	in	ADP
bjmsr-2231	113	5	their	their	PRON
bjmsr-2231	113	6	studies	study	NOUN
bjmsr-2231	113	7	found	find	VERB
bjmsr-2231	113	8	that	that	SCONJ
bjmsr-2231	113	9	a	a	DET
bjmsr-2231	113	10	sample	sample	NOUN
bjmsr-2231	113	11	size	size	NOUN
bjmsr-2231	113	12	of	of	ADP
bjmsr-2231	113	13	twelve	twelve	NUM
bjmsr-2231	113	14	individuals	individual	NOUN
bjmsr-2231	113	15	is	be	AUX
bjmsr-2231	113	16	considered	consider	VERB
bjmsr-2231	113	17	ideal	ideal	ADJ
bjmsr-2231	113	18	for	for	ADP
bjmsr-2231	113	19	analysing	analyse	VERB
bjmsr-2231	113	20	qualitative	qualitative	ADJ
bjmsr-2231	113	21	data	datum	NOUN
bjmsr-2231	113	22	.	.	PUNCT
bjmsr-2231	114	1	these	these	DET
bjmsr-2231	114	2	respondents	respondent	NOUN
bjmsr-2231	114	3	were	be	AUX
bjmsr-2231	114	4	carefully	carefully	ADV
bjmsr-2231	114	5	selected	select	VERB
bjmsr-2231	114	6	based	base	VERB
bjmsr-2231	114	7	on	on	ADP
bjmsr-2231	114	8	their	their	PRON
bjmsr-2231	114	9	ability	ability	NOUN
bjmsr-2231	114	10	to	to	PART
bjmsr-2231	114	11	provide	provide	VERB
bjmsr-2231	114	12	relevant	relevant	ADJ
bjmsr-2231	114	13	information	information	NOUN
bjmsr-2231	114	14	crucial	crucial	ADJ
bjmsr-2231	114	15	for	for	ADP
bjmsr-2231	114	16	the	the	DET
bjmsr-2231	114	17	study	study	NOUN
bjmsr-2231	114	18	,	,	PUNCT
bjmsr-2231	114	19	as	as	SCONJ
bjmsr-2231	114	20	highlighted	highlight	VERB
bjmsr-2231	114	21	by	by	ADP
bjmsr-2231	114	22	ofori	ofori	NOUN
bjmsr-2231	114	23	-	-	PUNCT
bjmsr-2231	114	24	okyere	okyere	NOUN
bjmsr-2231	114	25	(	(	PUNCT
bjmsr-2231	114	26	2019	2019	NUM
bjmsr-2231	114	27	)	)	PUNCT
bjmsr-2231	114	28	.	.	PUNCT
bjmsr-2231	115	1	the	the	DET
bjmsr-2231	115	2	concept	concept	NOUN
bjmsr-2231	115	3	of	of	ADP
bjmsr-2231	115	4	sample	sample	NOUN
bjmsr-2231	115	5	size	size	NOUN
bjmsr-2231	115	6	saturation	saturation	NOUN
bjmsr-2231	115	7	,	,	PUNCT
bjmsr-2231	115	8	ranging	range	VERB
bjmsr-2231	115	9	from	from	ADP
bjmsr-2231	115	10	9	9	NUM
bjmsr-2231	115	11	to	to	ADP
bjmsr-2231	115	12	17	17	NUM
bjmsr-2231	115	13	interviews	interview	NOUN
bjmsr-2231	115	14	as	as	SCONJ
bjmsr-2231	115	15	described	describe	VERB
bjmsr-2231	115	16	by	by	ADP
bjmsr-2231	115	17	hennink	hennink	PROPN
bjmsr-2231	115	18	and	and	CCONJ
bjmsr-2231	115	19	kaiser	kaiser	PROPN
bjmsr-2231	115	20	(	(	PUNCT
bjmsr-2231	115	21	2022	2022	NUM
bjmsr-2231	115	22	)	)	PUNCT
bjmsr-2231	115	23	,	,	PUNCT
bjmsr-2231	115	24	further	far	ADV
bjmsr-2231	115	25	supports	support	VERB
bjmsr-2231	115	26	the	the	DET
bjmsr-2231	115	27	adequacy	adequacy	NOUN
bjmsr-2231	115	28	of	of	ADP
bjmsr-2231	115	29	the	the	DET
bjmsr-2231	115	30	chosen	choose	VERB
bjmsr-2231	115	31	sample	sample	NOUN
bjmsr-2231	115	32	size	size	NOUN
bjmsr-2231	115	33	.	.	PUNCT
bjmsr-2231	116	1	quality	quality	NOUN
bjmsr-2231	116	2	of	of	ADP
bjmsr-2231	116	3	information	information	NOUN
bjmsr-2231	116	4	is	be	AUX
bjmsr-2231	116	5	emphasized	emphasize	VERB
bjmsr-2231	116	6	over	over	ADP
bjmsr-2231	116	7	quantity	quantity	NOUN
bjmsr-2231	116	8	,	,	PUNCT
bjmsr-2231	116	9	irrespective	irrespective	ADV
bjmsr-2231	116	10	of	of	ADP
bjmsr-2231	116	11	the	the	DET
bjmsr-2231	116	12	number	number	NOUN
bjmsr-2231	116	13	of	of	ADP
bjmsr-2231	116	14	interviewers	interviewer	NOUN
bjmsr-2231	116	15	involved	involve	VERB
bjmsr-2231	116	16	,	,	PUNCT
bjmsr-2231	116	17	as	as	SCONJ
bjmsr-2231	116	18	noted	note	VERB
bjmsr-2231	116	19	by	by	ADP
bjmsr-2231	116	20	braun	braun	NOUN
bjmsr-2231	116	21	and	and	CCONJ
bjmsr-2231	116	22	clarke	clarke	PROPN
bjmsr-2231	116	23	(	(	PUNCT
bjmsr-2231	116	24	2016	2016	NUM
bjmsr-2231	116	25	)	)	PUNCT
bjmsr-2231	116	26	.	.	PUNCT
bjmsr-2231	117	1	hence	hence	ADV
bjmsr-2231	117	2	,	,	PUNCT
bjmsr-2231	117	3	for	for	ADP
bjmsr-2231	117	4	our	our	PRON
bjmsr-2231	117	5	study	study	NOUN
bjmsr-2231	117	6	,	,	PUNCT
bjmsr-2231	117	7	a	a	DET
bjmsr-2231	117	8	total	total	NOUN
bjmsr-2231	117	9	of	of	ADP
bjmsr-2231	117	10	20	20	NUM
bjmsr-2231	117	11	participants	participant	NOUN
bjmsr-2231	117	12	were	be	AUX
bjmsr-2231	117	13	initially	initially	ADV
bjmsr-2231	117	14	identified	identify	VERB
bjmsr-2231	117	15	for	for	ADP
bjmsr-2231	117	16	the	the	DET
bjmsr-2231	117	17	focus	focus	NOUN
bjmsr-2231	117	18	group	group	NOUN
bjmsr-2231	117	19	.	.	PUNCT
bjmsr-2231	118	1	however	however	ADV
bjmsr-2231	118	2	,	,	PUNCT
bjmsr-2231	118	3	during	during	ADP
bjmsr-2231	118	4	the	the	DET
bjmsr-2231	118	5	pre	pre	ADJ
bjmsr-2231	118	6	-	-	ADJ
bjmsr-2231	118	7	screening	screen	VERB
bjmsr-2231	118	8	round	round	NOUN
bjmsr-2231	118	9	,	,	PUNCT
bjmsr-2231	118	10	it	it	PRON
bjmsr-2231	118	11	was	be	AUX
bjmsr-2231	118	12	found	find	VERB
bjmsr-2231	118	13	that	that	SCONJ
bjmsr-2231	118	14	eight	eight	NUM
bjmsr-2231	118	15	participants	participant	NOUN
bjmsr-2231	118	16	did	do	AUX
bjmsr-2231	118	17	not	not	PART
bjmsr-2231	118	18	align	align	VERB
bjmsr-2231	118	19	with	with	ADP
bjmsr-2231	118	20	the	the	DET
bjmsr-2231	118	21	topic	topic	NOUN
bjmsr-2231	118	22	of	of	ADP
bjmsr-2231	118	23	smpps	smpp	NOUN
bjmsr-2231	118	24	.	.	PUNCT
bjmsr-2231	119	1	therefore	therefore	ADV
bjmsr-2231	119	2	,	,	PUNCT
bjmsr-2231	119	3	the	the	DET
bjmsr-2231	119	4	final	final	ADJ
bjmsr-2231	119	5	sample	sample	NOUN
bjmsr-2231	119	6	size	size	NOUN
bjmsr-2231	119	7	was	be	AUX
bjmsr-2231	119	8	determined	determine	VERB
bjmsr-2231	119	9	to	to	PART
bjmsr-2231	119	10	be	be	AUX
bjmsr-2231	119	11	12	12	NUM
bjmsr-2231	119	12	participants	participant	NOUN
bjmsr-2231	119	13	,	,	PUNCT
bjmsr-2231	119	14	ensuring	ensure	VERB
bjmsr-2231	119	15	that	that	SCONJ
bjmsr-2231	119	16	only	only	ADV
bjmsr-2231	119	17	individuals	individual	NOUN
bjmsr-2231	119	18	with	with	ADP
bjmsr-2231	119	19	relevant	relevant	ADJ
bjmsr-2231	119	20	interests	interest	NOUN
bjmsr-2231	119	21	and	and	CCONJ
bjmsr-2231	119	22	perspectives	perspective	NOUN
bjmsr-2231	119	23	were	be	AUX
bjmsr-2231	119	24	included	include	VERB
bjmsr-2231	119	25	as	as	ADP
bjmsr-2231	119	26	respondents	respondent	NOUN
bjmsr-2231	119	27	for	for	ADP
bjmsr-2231	119	28	the	the	DET
bjmsr-2231	119	29	study	study	NOUN
bjmsr-2231	119	30	.	.	PUNCT
bjmsr-2231	120	1	to	to	PART
bjmsr-2231	120	2	gather	gather	VERB
bjmsr-2231	120	3	insights	insight	NOUN
bjmsr-2231	120	4	into	into	ADP
bjmsr-2231	120	5	the	the	DET
bjmsr-2231	120	6	behaviour	behaviour	NOUN
bjmsr-2231	120	7	and	and	CCONJ
bjmsr-2231	120	8	perceptions	perception	NOUN
bjmsr-2231	120	9	of	of	ADP
bjmsr-2231	120	10	the	the	DET
bjmsr-2231	120	11	respondents	respondent	NOUN
bjmsr-2231	120	12	towards	towards	ADP
bjmsr-2231	120	13	smpps	smpp	NOUN
bjmsr-2231	120	14	,	,	PUNCT
bjmsr-2231	120	15	a	a	DET
bjmsr-2231	120	16	semi	semi	ADJ
bjmsr-2231	120	17	-	-	ADJ
bjmsr-2231	120	18	structured	structured	ADJ
bjmsr-2231	120	19	interview	interview	NOUN
bjmsr-2231	120	20	schedule	schedule	NOUN
bjmsr-2231	120	21	was	be	AUX
bjmsr-2231	120	22	prepared	prepare	VERB
bjmsr-2231	120	23	for	for	ADP
bjmsr-2231	120	24	the	the	DET
bjmsr-2231	120	25	study	study	NOUN
bjmsr-2231	120	26	.	.	PUNCT
bjmsr-2231	121	1	interview	interview	NOUN
bjmsr-2231	121	2	schedule	schedule	NOUN
bjmsr-2231	121	3	consists	consist	VERB
bjmsr-2231	121	4	of	of	ADP
bjmsr-2231	121	5	fifteen	fifteen	NUM
bjmsr-2231	121	6	questions	question	NOUN
bjmsr-2231	121	7	related	relate	VERB
bjmsr-2231	121	8	to	to	ADP
bjmsr-2231	121	9	social	social	ADJ
bjmsr-2231	121	10	media	medium	NOUN
bjmsr-2231	121	11	and	and	CCONJ
bjmsr-2231	121	12	payment	payment	NOUN
bjmsr-2231	121	13	platforms	platform	NOUN
bjmsr-2231	121	14	to	to	PART
bjmsr-2231	121	15	understand	understand	VERB
bjmsr-2231	121	16	the	the	DET
bjmsr-2231	121	17	behaviour	behaviour	NOUN
bjmsr-2231	121	18	intention	intention	NOUN
bjmsr-2231	121	19	and	and	CCONJ
bjmsr-2231	121	20	perception	perception	NOUN
bjmsr-2231	121	21	of	of	ADP
bjmsr-2231	121	22	smpps	smpp	NOUN
bjmsr-2231	121	23	in	in	ADP
bjmsr-2231	121	24	this	this	DET
bjmsr-2231	121	25	new	new	ADJ
bjmsr-2231	121	26	era	era	NOUN
bjmsr-2231	121	27	of	of	ADP
bjmsr-2231	121	28	technology	technology	NOUN
bjmsr-2231	121	29	.	.	PUNCT
bjmsr-2231	122	1	data	datum	NOUN
bjmsr-2231	122	2	collection	collection	NOUN
bjmsr-2231	122	3	the	the	DET
bjmsr-2231	122	4	interviews	interview	NOUN
bjmsr-2231	122	5	were	be	AUX
bjmsr-2231	122	6	conducted	conduct	VERB
bjmsr-2231	122	7	in	in	ADP
bjmsr-2231	122	8	december	december	PROPN
bjmsr-2231	122	9	2023	2023	NUM
bjmsr-2231	122	10	and	and	CCONJ
bjmsr-2231	122	11	the	the	DET
bjmsr-2231	122	12	participants	participant	NOUN
bjmsr-2231	122	13	agreed	agree	VERB
bjmsr-2231	122	14	to	to	PART
bjmsr-2231	122	15	be	be	AUX
bjmsr-2231	122	16	recorded	record	VERB
bjmsr-2231	122	17	explicitly	explicitly	ADV
bjmsr-2231	122	18	making	make	VERB
bjmsr-2231	122	19	their	their	PRON
bjmsr-2231	122	20	information	information	NOUN
bjmsr-2231	122	21	confidential	confidential	ADJ
bjmsr-2231	122	22	.	.	PUNCT
bjmsr-2231	123	1	we	we	PRON
bjmsr-2231	123	2	carried	carry	VERB
bjmsr-2231	123	3	out	out	ADP
bjmsr-2231	123	4	in	in	ADP
bjmsr-2231	123	5	-	-	PUNCT
bjmsr-2231	123	6	depth	depth	NOUN
bjmsr-2231	123	7	one	one	NUM
bjmsr-2231	123	8	-	-	PUNCT
bjmsr-2231	123	9	on	on	ADP
bjmsr-2231	123	10	-	-	PUNCT
bjmsr-2231	123	11	one	one	NUM
bjmsr-2231	123	12	interviews	interview	NOUN
bjmsr-2231	123	13	with	with	ADP
bjmsr-2231	123	14	students	student	NOUN
bjmsr-2231	123	15	,	,	PUNCT
bjmsr-2231	123	16	teachers	teacher	NOUN
bjmsr-2231	123	17	,	,	PUNCT
bjmsr-2231	123	18	and	and	CCONJ
bjmsr-2231	123	19	bank	bank	NOUN
bjmsr-2231	123	20	employees	employee	NOUN
bjmsr-2231	123	21	from	from	ADP
bjmsr-2231	123	22	different	different	ADJ
bjmsr-2231	123	23	ages	age	NOUN
bjmsr-2231	123	24	in	in	ADP
bjmsr-2231	123	25	the	the	DET
bjmsr-2231	123	26	state	state	NOUN
bjmsr-2231	123	27	of	of	ADP
bjmsr-2231	123	28	uttar	uttar	PROPN
bjmsr-2231	123	29	pradesh	pradesh	PROPN
bjmsr-2231	123	30	.	.	PUNCT
bjmsr-2231	124	1	depending	depend	VERB
bjmsr-2231	124	2	on	on	ADP
bjmsr-2231	124	3	the	the	DET
bjmsr-2231	124	4	preferences	preference	NOUN
bjmsr-2231	124	5	and	and	CCONJ
bjmsr-2231	124	6	comfort	comfort	NOUN
bjmsr-2231	124	7	levels	level	NOUN
bjmsr-2231	124	8	of	of	ADP
bjmsr-2231	124	9	the	the	DET
bjmsr-2231	124	10	participants	participant	NOUN
bjmsr-2231	124	11	,	,	PUNCT
bjmsr-2231	124	12	the	the	DET
bjmsr-2231	124	13	interviews	interview	NOUN
bjmsr-2231	124	14	were	be	AUX
bjmsr-2231	124	15	taken	take	VERB
bjmsr-2231	124	16	in	in	ADP
bjmsr-2231	124	17	two	two	NUM
bjmsr-2231	124	18	languages	language	NOUN
bjmsr-2231	124	19	(	(	PUNCT
bjmsr-2231	124	20	english	english	NOUN
bjmsr-2231	124	21	and	and	CCONJ
bjmsr-2231	124	22	hindi	hindi	NOUN
bjmsr-2231	124	23	)	)	PUNCT
bjmsr-2231	124	24	.	.	PUNCT
bjmsr-2231	125	1	their	their	PRON
bjmsr-2231	125	2	responses	response	NOUN
bjmsr-2231	125	3	illuminated	illuminate	VERB
bjmsr-2231	125	4	the	the	DET
bjmsr-2231	125	5	diverse	diverse	ADJ
bjmsr-2231	125	6	determinants	determinant	NOUN
bjmsr-2231	125	7	and	and	CCONJ
bjmsr-2231	125	8	challenges	challenge	NOUN
bjmsr-2231	125	9	they	they	PRON
bjmsr-2231	125	10	experienced	experience	VERB
bjmsr-2231	125	11	.	.	PUNCT
bjmsr-2231	126	1	the	the	DET
bjmsr-2231	126	2	duration	duration	NOUN
bjmsr-2231	126	3	of	of	ADP
bjmsr-2231	126	4	each	each	DET
bjmsr-2231	126	5	interview	interview	NOUN
bjmsr-2231	126	6	ranged	range	VERB
bjmsr-2231	126	7	from	from	ADP
bjmsr-2231	126	8	15	15	NUM
bjmsr-2231	126	9	to	to	PART
bjmsr-2231	126	10	30	30	NUM
bjmsr-2231	126	11	minutes	minute	NOUN
bjmsr-2231	126	12	,	,	PUNCT
bjmsr-2231	126	13	depending	depend	VERB
bjmsr-2231	126	14	on	on	ADP
bjmsr-2231	126	15	the	the	DET
bjmsr-2231	126	16	discussion	discussion	NOUN
bjmsr-2231	126	17	.	.	PUNCT
bjmsr-2231	127	1	pandey	pandey	PROPN
bjmsr-2231	127	2	et	et	PROPN
bjmsr-2231	127	3	al	al	PROPN
bjmsr-2231	127	4	.	.	PROPN
bjmsr-2231	127	5	,	,	PUNCT
bjmsr-2231	127	6	bangladesh	bangladesh	PROPN
bjmsr-2231	127	7	journal	journal	NOUN
bjmsr-2231	127	8	of	of	ADP
bjmsr-2231	127	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	127	10	scientific	scientific	ADJ
bjmsr-2231	127	11	research	research	NOUN
bjmsr-2231	127	12	9(3	9(3	NUM
bjmsr-2231	127	13	)	)	PUNCT
bjmsr-2231	127	14	(	(	PUNCT
bjmsr-2231	127	15	2024	2024	NUM
bjmsr-2231	127	16	)	)	PUNCT
bjmsr-2231	127	17	,	,	PUNCT
bjmsr-2231	127	18	33	33	NUM
bjmsr-2231	127	19	-	-	SYM
bjmsr-2231	127	20	41	41	NUM
bjmsr-2231	127	21	36	36	NUM
bjmsr-2231	127	22	we	we	PRON
bjmsr-2231	127	23	have	have	AUX
bjmsr-2231	127	24	classified	classify	VERB
bjmsr-2231	127	25	different	different	ADJ
bjmsr-2231	127	26	themes	theme	NOUN
bjmsr-2231	127	27	based	base	VERB
bjmsr-2231	127	28	on	on	ADP
bjmsr-2231	127	29	the	the	DET
bjmsr-2231	127	30	participant	participant	NOUN
bjmsr-2231	127	31	’s	’s	PART
bjmsr-2231	127	32	responses	response	NOUN
bjmsr-2231	127	33	.	.	PUNCT
bjmsr-2231	128	1	the	the	DET
bjmsr-2231	128	2	profile	profile	NOUN
bjmsr-2231	128	3	of	of	ADP
bjmsr-2231	128	4	the	the	DET
bjmsr-2231	128	5	respondents	respondent	NOUN
bjmsr-2231	128	6	chosen	choose	VERB
bjmsr-2231	128	7	for	for	ADP
bjmsr-2231	128	8	the	the	DET
bjmsr-2231	128	9	study	study	NOUN
bjmsr-2231	128	10	is	be	AUX
bjmsr-2231	128	11	given	give	VERB
bjmsr-2231	128	12	in	in	ADP
bjmsr-2231	128	13	table	table	NOUN
bjmsr-2231	128	14	1	1	NUM
bjmsr-2231	128	15	.	.	PUNCT
bjmsr-2231	128	16	table	table	NOUN
bjmsr-2231	128	17	1	1	NUM
bjmsr-2231	128	18	.	.	PUNCT
bjmsr-2231	128	19	demographic	demographic	ADJ
bjmsr-2231	128	20	profile	profile	NOUN
bjmsr-2231	128	21	of	of	ADP
bjmsr-2231	128	22	respondent	respondent	NOUN
bjmsr-2231	128	23	serial	serial	ADJ
bjmsr-2231	128	24	no	no	NOUN
bjmsr-2231	128	25	.	.	PUNCT
bjmsr-2231	129	1	respondent	respondent	NOUN
bjmsr-2231	129	2	gender	gender	NOUN
bjmsr-2231	129	3	experience	experience	NOUN
bjmsr-2231	129	4	in	in	ADP
bjmsr-2231	129	5	using	use	VERB
bjmsr-2231	129	6	digital	digital	ADJ
bjmsr-2231	129	7	payment	payment	NOUN
bjmsr-2231	129	8	education	education	NOUN
bjmsr-2231	129	9	1	1	NUM
bjmsr-2231	129	10	.	.	PUNCT
bjmsr-2231	130	1	teacher	teacher	NOUN
bjmsr-2231	130	2	female	female	ADJ
bjmsr-2231	130	3	10	10	NUM
bjmsr-2231	130	4	graduation	graduation	NOUN
bjmsr-2231	130	5	+	+	NOUN
bjmsr-2231	130	6	blib	blib	NOUN
bjmsr-2231	130	7	2	2	NUM
bjmsr-2231	130	8	.	.	PUNCT
bjmsr-2231	130	9	teacher	teacher	NOUN
bjmsr-2231	130	10	female	female	ADJ
bjmsr-2231	130	11	12	12	NUM
bjmsr-2231	130	12	ba+	ba+	ADJ
bjmsr-2231	130	13	master	master	NOUN
bjmsr-2231	130	14	in	in	ADP
bjmsr-2231	130	15	computers	computer	NOUN
bjmsr-2231	130	16	3	3	NUM
bjmsr-2231	130	17	.	.	PUNCT
bjmsr-2231	130	18	student	student	NOUN
bjmsr-2231	130	19	male	male	NOUN
bjmsr-2231	130	20	4	4	NUM
bjmsr-2231	130	21	bba	bba	NOUN
bjmsr-2231	130	22	4	4	NUM
bjmsr-2231	130	23	.	.	PUNCT
bjmsr-2231	130	24	student	student	NOUN
bjmsr-2231	130	25	male	male	NOUN
bjmsr-2231	130	26	10	10	NUM
bjmsr-2231	130	27	mba	mba	NOUN
bjmsr-2231	130	28	5	5	NUM
bjmsr-2231	130	29	.	.	PUNCT
bjmsr-2231	130	30	student	student	NOUN
bjmsr-2231	130	31	female	female	NOUN
bjmsr-2231	130	32	7	7	NUM
bjmsr-2231	130	33	mba	mba	NOUN
bjmsr-2231	130	34	6	6	NUM
bjmsr-2231	130	35	.	.	PUNCT
bjmsr-2231	131	1	student	student	NOUN
bjmsr-2231	131	2	female	female	NOUN
bjmsr-2231	131	3	5	5	NUM
bjmsr-2231	131	4	mba	mba	NOUN
bjmsr-2231	131	5	7	7	NUM
bjmsr-2231	131	6	.	.	PUNCT
bjmsr-2231	131	7	student	student	NOUN
bjmsr-2231	131	8	male	male	NOUN
bjmsr-2231	131	9	6	6	NUM
bjmsr-2231	131	10	bba	bba	NOUN
bjmsr-2231	131	11	8	8	NUM
bjmsr-2231	131	12	.	.	PUNCT
bjmsr-2231	132	1	investment	investment	NOUN
bjmsr-2231	132	2	banker	banker	NOUN
bjmsr-2231	132	3	female	female	ADJ
bjmsr-2231	132	4	10	10	NUM
bjmsr-2231	132	5	post	post	NOUN
bjmsr-2231	132	6	-	-	NOUN
bjmsr-2231	132	7	graduation	graduation	ADJ
bjmsr-2231	132	8	9	9	NUM
bjmsr-2231	132	9	.	.	PUNCT
bjmsr-2231	132	10	student	student	NOUN
bjmsr-2231	132	11	male	male	NOUN
bjmsr-2231	132	12	4	4	NUM
bjmsr-2231	132	13	bba	bba	NOUN
bjmsr-2231	132	14	10	10	NUM
bjmsr-2231	132	15	.	.	PUNCT
bjmsr-2231	133	1	freelancer	freelancer	ADJ
bjmsr-2231	133	2	meme	meme	NOUN
bjmsr-2231	133	3	marketer	marketer	PROPN
bjmsr-2231	133	4	male	male	NOUN
bjmsr-2231	133	5	10	10	NUM
bjmsr-2231	133	6	mba	mba	NOUN
bjmsr-2231	133	7	11	11	NUM
bjmsr-2231	133	8	.	.	PUNCT
bjmsr-2231	134	1	student	student	NOUN
bjmsr-2231	134	2	male	male	NOUN
bjmsr-2231	134	3	5	5	NUM
bjmsr-2231	134	4	bba	bba	NOUN
bjmsr-2231	134	5	12	12	NUM
bjmsr-2231	134	6	.	.	PUNCT
bjmsr-2231	135	1	student	student	NOUN
bjmsr-2231	135	2	male	male	NOUN
bjmsr-2231	135	3	6	6	NUM
bjmsr-2231	135	4	post	post	ADJ
bjmsr-2231	135	5	-	-	ADJ
bjmsr-2231	135	6	graduation	graduation	ADJ
bjmsr-2231	135	7	data	datum	NOUN
bjmsr-2231	135	8	analysis	analysis	NOUN
bjmsr-2231	135	9	the	the	DET
bjmsr-2231	135	10	recorded	record	VERB
bjmsr-2231	135	11	interviews	interview	NOUN
bjmsr-2231	135	12	were	be	AUX
bjmsr-2231	135	13	then	then	ADV
bjmsr-2231	135	14	transcribed	transcribe	VERB
bjmsr-2231	135	15	,	,	PUNCT
bjmsr-2231	135	16	some	some	PRON
bjmsr-2231	135	17	were	be	AUX
bjmsr-2231	135	18	translated	translate	VERB
bjmsr-2231	135	19	from	from	ADP
bjmsr-2231	135	20	the	the	DET
bjmsr-2231	135	21	hindi	hindi	NOUN
bjmsr-2231	135	22	language	language	NOUN
bjmsr-2231	135	23	into	into	ADP
bjmsr-2231	135	24	english	english	PROPN
bjmsr-2231	135	25	in	in	ADP
bjmsr-2231	135	26	word	word	NOUN
bjmsr-2231	135	27	documents	document	NOUN
bjmsr-2231	135	28	,	,	PUNCT
bjmsr-2231	135	29	and	and	CCONJ
bjmsr-2231	135	30	thematic	thematic	ADJ
bjmsr-2231	135	31	analysis	analysis	NOUN
bjmsr-2231	135	32	was	be	AUX
bjmsr-2231	135	33	used	use	VERB
bjmsr-2231	135	34	to	to	PART
bjmsr-2231	135	35	derive	derive	VERB
bjmsr-2231	135	36	different	different	ADJ
bjmsr-2231	135	37	empirical	empirical	ADJ
bjmsr-2231	135	38	themes	theme	NOUN
bjmsr-2231	135	39	.	.	PUNCT
bjmsr-2231	136	1	in	in	ADP
bjmsr-2231	136	2	the	the	DET
bjmsr-2231	136	3	initial	initial	ADJ
bjmsr-2231	136	4	phase	phase	NOUN
bjmsr-2231	136	5	,	,	PUNCT
bjmsr-2231	136	6	in	in	ADP
bjmsr-2231	136	7	addition	addition	NOUN
bjmsr-2231	136	8	to	to	ADP
bjmsr-2231	136	9	the	the	DET
bjmsr-2231	136	10	recordings	recording	NOUN
bjmsr-2231	136	11	,	,	PUNCT
bjmsr-2231	136	12	the	the	DET
bjmsr-2231	136	13	transcribed	transcribe	VERB
bjmsr-2231	136	14	data	datum	NOUN
bjmsr-2231	136	15	was	be	AUX
bjmsr-2231	136	16	analysed	analyse	VERB
bjmsr-2231	136	17	numerous	numerous	ADJ
bjmsr-2231	136	18	times	time	NOUN
bjmsr-2231	136	19	to	to	PART
bjmsr-2231	136	20	get	get	VERB
bjmsr-2231	136	21	a	a	DET
bjmsr-2231	136	22	comprehensive	comprehensive	ADJ
bjmsr-2231	136	23	picture	picture	NOUN
bjmsr-2231	136	24	,	,	PUNCT
bjmsr-2231	136	25	and	and	CCONJ
bjmsr-2231	136	26	different	different	ADJ
bjmsr-2231	136	27	codes	code	NOUN
bjmsr-2231	136	28	were	be	AUX
bjmsr-2231	136	29	created	create	VERB
bjmsr-2231	136	30	from	from	ADP
bjmsr-2231	136	31	the	the	DET
bjmsr-2231	136	32	original	original	ADJ
bjmsr-2231	136	33	data	datum	NOUN
bjmsr-2231	136	34	to	to	PART
bjmsr-2231	136	35	determine	determine	VERB
bjmsr-2231	136	36	responses	response	NOUN
bjmsr-2231	136	37	which	which	PRON
bjmsr-2231	136	38	helped	help	VERB
bjmsr-2231	136	39	to	to	PART
bjmsr-2231	136	40	identify	identify	VERB
bjmsr-2231	136	41	the	the	DET
bjmsr-2231	136	42	concept	concept	NOUN
bjmsr-2231	136	43	and	and	CCONJ
bjmsr-2231	136	44	behavioural	behavioural	ADJ
bjmsr-2231	136	45	pattern	pattern	NOUN
bjmsr-2231	136	46	(	(	PUNCT
bjmsr-2231	136	47	guest	guest	NOUN
bjmsr-2231	136	48	et	et	NOUN
bjmsr-2231	136	49	al	al	PROPN
bjmsr-2231	136	50	.	.	PROPN
bjmsr-2231	136	51	,	,	PUNCT
bjmsr-2231	136	52	2012	2012	NUM
bjmsr-2231	136	53	)	)	PUNCT
bjmsr-2231	136	54	.	.	PUNCT
bjmsr-2231	137	1	in	in	ADP
bjmsr-2231	137	2	the	the	DET
bjmsr-2231	137	3	second	second	ADJ
bjmsr-2231	137	4	phase	phase	NOUN
bjmsr-2231	137	5	,	,	PUNCT
bjmsr-2231	137	6	the	the	DET
bjmsr-2231	137	7	generated	generate	VERB
bjmsr-2231	137	8	codes	code	NOUN
bjmsr-2231	137	9	were	be	AUX
bjmsr-2231	137	10	clustered	cluster	VERB
bjmsr-2231	137	11	into	into	ADP
bjmsr-2231	137	12	comprehensive	comprehensive	ADJ
bjmsr-2231	137	13	,	,	PUNCT
bjmsr-2231	137	14	higher	high	ADJ
bjmsr-2231	137	15	-	-	PUNCT
bjmsr-2231	137	16	level	level	NOUN
bjmsr-2231	137	17	patterns	pattern	NOUN
bjmsr-2231	137	18	,	,	PUNCT
bjmsr-2231	137	19	i.e.	i.e.	X
bjmsr-2231	137	20	,	,	PUNCT
bjmsr-2231	137	21	the	the	DET
bjmsr-2231	137	22	identified	identify	VERB
bjmsr-2231	137	23	codes	code	NOUN
bjmsr-2231	137	24	were	be	AUX
bjmsr-2231	137	25	organized	organize	VERB
bjmsr-2231	137	26	into	into	ADP
bjmsr-2231	137	27	different	different	ADJ
bjmsr-2231	137	28	themes	theme	NOUN
bjmsr-2231	137	29	.	.	PUNCT
bjmsr-2231	138	1	ultimately	ultimately	ADV
bjmsr-2231	138	2	,	,	PUNCT
bjmsr-2231	138	3	in	in	ADP
bjmsr-2231	138	4	the	the	DET
bjmsr-2231	138	5	final	final	ADJ
bjmsr-2231	138	6	phase	phase	NOUN
bjmsr-2231	138	7	,	,	PUNCT
bjmsr-2231	138	8	by	by	ADP
bjmsr-2231	138	9	examining	examine	VERB
bjmsr-2231	138	10	the	the	DET
bjmsr-2231	138	11	findings	finding	NOUN
bjmsr-2231	138	12	and	and	CCONJ
bjmsr-2231	138	13	determining	determine	VERB
bjmsr-2231	138	14	the	the	DET
bjmsr-2231	138	15	key	key	ADJ
bjmsr-2231	138	16	themes	theme	NOUN
bjmsr-2231	138	17	,	,	PUNCT
bjmsr-2231	138	18	proceeding	proceed	VERB
bjmsr-2231	138	19	towards	towards	ADP
bjmsr-2231	138	20	the	the	DET
bjmsr-2231	138	21	conceptualization	conceptualization	NOUN
bjmsr-2231	138	22	of	of	ADP
bjmsr-2231	138	23	themes	theme	NOUN
bjmsr-2231	138	24	(	(	PUNCT
bjmsr-2231	138	25	nowell	nowell	INTJ
bjmsr-2231	138	26	et	et	PROPN
bjmsr-2231	138	27	al	al	PROPN
bjmsr-2231	138	28	.	.	PROPN
bjmsr-2231	138	29	,	,	PUNCT
bjmsr-2231	138	30	2017	2017	NUM
bjmsr-2231	138	31	)	)	PUNCT
bjmsr-2231	138	32	.	.	PUNCT
bjmsr-2231	139	1	table	table	NOUN
bjmsr-2231	139	2	2	2	NUM
bjmsr-2231	139	3	.	.	PUNCT
bjmsr-2231	139	4	bifurcation	bifurcation	NOUN
bjmsr-2231	139	5	of	of	ADP
bjmsr-2231	139	6	themes	theme	NOUN
bjmsr-2231	139	7	and	and	CCONJ
bjmsr-2231	139	8	sub	sub	NOUN
bjmsr-2231	139	9	-	-	ADJ
bjmsr-2231	139	10	themes	theme	NOUN
bjmsr-2231	139	11	themes	theme	NOUN
bjmsr-2231	139	12	sub	sub	ADJ
bjmsr-2231	139	13	-	-	ADJ
bjmsr-2231	139	14	theme	theme	ADJ
bjmsr-2231	139	15	citation	citation	NOUN
bjmsr-2231	139	16	socio	socio	NOUN
bjmsr-2231	139	17	-	-	PUNCT
bjmsr-2231	139	18	demographics	demographic	NOUN
bjmsr-2231	139	19	age	age	NOUN
bjmsr-2231	139	20	liébana	liébana	PROPN
bjmsr-2231	139	21	-	-	PUNCT
bjmsr-2231	139	22	cabanillas	cabanilla	NOUN
bjmsr-2231	139	23	et	et	PROPN
bjmsr-2231	139	24	al	al	PROPN
bjmsr-2231	139	25	.	.	PUNCT
bjmsr-2231	139	26	(	(	PUNCT
bjmsr-2231	139	27	2018	2018	NUM
bjmsr-2231	139	28	)	)	PUNCT
bjmsr-2231	139	29	;	;	PUNCT
bjmsr-2231	139	30	tang	tang	PROPN
bjmsr-2231	139	31	et	et	PROPN
bjmsr-2231	139	32	al	al	PROPN
bjmsr-2231	139	33	.	.	PROPN
bjmsr-2231	139	34	(	(	PUNCT
bjmsr-2231	139	35	2021	2021	NUM
bjmsr-2231	139	36	)	)	PUNCT
bjmsr-2231	139	37	;	;	PUNCT
bjmsr-2231	139	38	wang	wang	PROPN
bjmsr-2231	139	39	and	and	CCONJ
bjmsr-2231	139	40	gu	gu	PROPN
bjmsr-2231	139	41	(	(	PUNCT
bjmsr-2231	139	42	2017	2017	NUM
bjmsr-2231	139	43	)	)	PUNCT
bjmsr-2231	139	44	gender	gender	NOUN
bjmsr-2231	139	45	liébana	liébana	PROPN
bjmsr-2231	139	46	-	-	PUNCT
bjmsr-2231	139	47	cabanillas	cabanilla	NOUN
bjmsr-2231	139	48	et	et	PROPN
bjmsr-2231	139	49	al	al	PROPN
bjmsr-2231	139	50	.	.	PUNCT
bjmsr-2231	140	1	(	(	PUNCT
bjmsr-2231	140	2	2018	2018	NUM
bjmsr-2231	140	3	)	)	PUNCT
bjmsr-2231	140	4	;	;	PUNCT
bjmsr-2231	140	5	tinmaz	tinmaz	NOUN
bjmsr-2231	140	6	and	and	CCONJ
bjmsr-2231	140	7	doan	doan	NOUN
bjmsr-2231	140	8	(	(	PUNCT
bjmsr-2231	140	9	2023	2023	NUM
bjmsr-2231	140	10	)	)	PUNCT
bjmsr-2231	140	11	;	;	PUNCT
bjmsr-2231	140	12	tavera	tavera	NOUN
bjmsr-2231	140	13	-	-	PUNCT
bjmsr-2231	140	14	mesías	mesías	PROPN
bjmsr-2231	140	15	et	et	PROPN
bjmsr-2231	140	16	al	al	PROPN
bjmsr-2231	140	17	.	.	PROPN
bjmsr-2231	141	1	(	(	PUNCT
bjmsr-2231	141	2	2023	2023	NUM
bjmsr-2231	141	3	)	)	PUNCT
bjmsr-2231	141	4	;	;	PUNCT
bjmsr-2231	141	5	wang	wang	PROPN
bjmsr-2231	141	6	and	and	CCONJ
bjmsr-2231	141	7	gu	gu	PROPN
bjmsr-2231	141	8	(	(	PUNCT
bjmsr-2231	141	9	2017	2017	NUM
bjmsr-2231	141	10	)	)	PUNCT
bjmsr-2231	141	11	education	education	NOUN
bjmsr-2231	141	12	wang	wang	PROPN
bjmsr-2231	141	13	and	and	CCONJ
bjmsr-2231	141	14	gu	gu	PROPN
bjmsr-2231	141	15	(	(	PUNCT
bjmsr-2231	141	16	2017	2017	NUM
bjmsr-2231	141	17	)	)	PUNCT
bjmsr-2231	141	18	occupation	occupation	NOUN
bjmsr-2231	141	19	wang	wang	PROPN
bjmsr-2231	141	20	and	and	CCONJ
bjmsr-2231	141	21	gu	gu	PROPN
bjmsr-2231	141	22	(	(	PUNCT
bjmsr-2231	141	23	2017	2017	NUM
bjmsr-2231	141	24	)	)	PUNCT
bjmsr-2231	141	25	convenience	convenience	NOUN
bjmsr-2231	141	26	easy	easy	ADJ
bjmsr-2231	141	27	to	to	PART
bjmsr-2231	141	28	use	use	VERB
bjmsr-2231	141	29	and	and	CCONJ
bjmsr-2231	141	30	perceived	perceive	VERB
bjmsr-2231	141	31	usefulness	usefulness	PROPN
bjmsr-2231	141	32	chua	chua	PROPN
bjmsr-2231	141	33	et	et	PROPN
bjmsr-2231	141	34	al	al	PROPN
bjmsr-2231	141	35	.	.	PROPN
bjmsr-2231	142	1	(	(	PUNCT
bjmsr-2231	142	2	2019	2019	NUM
bjmsr-2231	142	3	)	)	PUNCT
bjmsr-2231	142	4	;	;	PUNCT
bjmsr-2231	142	5	mu	mu	PROPN
bjmsr-2231	142	6	and	and	CCONJ
bjmsr-2231	142	7	lee	lee	PROPN
bjmsr-2231	142	8	(	(	PUNCT
bjmsr-2231	142	9	2017	2017	NUM
bjmsr-2231	142	10	)	)	PUNCT
bjmsr-2231	142	11	;	;	PUNCT
bjmsr-2231	142	12	ma	ma	PROPN
bjmsr-2231	142	13	et	et	PROPN
bjmsr-2231	142	14	al	al	PROPN
bjmsr-2231	142	15	.	.	PROPN
bjmsr-2231	143	1	(	(	PUNCT
bjmsr-2231	143	2	2018	2018	NUM
bjmsr-2231	143	3	)	)	PUNCT
bjmsr-2231	143	4	;	;	PUNCT
bjmsr-2231	143	5	qu	qu	PROPN
bjmsr-2231	143	6	et	et	PROPN
bjmsr-2231	143	7	al	al	PROPN
bjmsr-2231	143	8	.	.	PROPN
bjmsr-2231	144	1	(	(	PUNCT
bjmsr-2231	144	2	2015	2015	NUM
bjmsr-2231	144	3	)	)	PUNCT
bjmsr-2231	144	4	;	;	PUNCT
bjmsr-2231	144	5	qu	qu	PROPN
bjmsr-2231	144	6	et	et	PROPN
bjmsr-2231	144	7	al	al	PROPN
bjmsr-2231	144	8	.	.	PROPN
bjmsr-2231	145	1	(	(	PUNCT
bjmsr-2231	145	2	2018	2018	NUM
bjmsr-2231	145	3	)	)	PUNCT
bjmsr-2231	145	4	;	;	PUNCT
bjmsr-2231	146	1	tang	tang	PROPN
bjmsr-2231	146	2	et	et	PROPN
bjmsr-2231	146	3	al	al	PROPN
bjmsr-2231	146	4	.	.	PROPN
bjmsr-2231	146	5	(	(	PUNCT
bjmsr-2231	146	6	2021	2021	NUM
bjmsr-2231	146	7	)	)	PUNCT
bjmsr-2231	146	8	;	;	PUNCT
bjmsr-2231	146	9	tavera	tavera	NOUN
bjmsr-2231	146	10	-	-	PUNCT
bjmsr-2231	146	11	mesías	mesías	PROPN
bjmsr-2231	146	12	et	et	PROPN
bjmsr-2231	146	13	al	al	PROPN
bjmsr-2231	146	14	.	.	PROPN
bjmsr-2231	147	1	(	(	PUNCT
bjmsr-2231	147	2	2023	2023	NUM
bjmsr-2231	147	3	)	)	PUNCT
bjmsr-2231	147	4	vulnerability	vulnerability	NOUN
bjmsr-2231	147	5	to	to	AUX
bjmsr-2231	147	6	risks	risk	VERB
bjmsr-2231	147	7	security	security	NOUN
bjmsr-2231	147	8	poudel	poudel	NOUN
bjmsr-2231	147	9	and	and	CCONJ
bjmsr-2231	147	10	sapkota	sapkota	NOUN
bjmsr-2231	147	11	(	(	PUNCT
bjmsr-2231	147	12	2022	2022	NUM
bjmsr-2231	147	13	)	)	PUNCT
bjmsr-2231	147	14	privacy	privacy	NOUN
bjmsr-2231	147	15	poudel	poudel	NOUN
bjmsr-2231	147	16	and	and	CCONJ
bjmsr-2231	147	17	sapkota	sapkota	NOUN
bjmsr-2231	147	18	(	(	PUNCT
bjmsr-2231	147	19	2022	2022	NUM
bjmsr-2231	147	20	)	)	PUNCT
bjmsr-2231	147	21	payment	payment	NOUN
bjmsr-2231	147	22	failure	failure	NOUN
bjmsr-2231	147	23	singhal	singhal	NOUN
bjmsr-2231	147	24	and	and	CCONJ
bjmsr-2231	147	25	chauhan	chauhan	PROPN
bjmsr-2231	147	26	(	(	PUNCT
bjmsr-2231	147	27	2021	2021	NUM
bjmsr-2231	147	28	)	)	PUNCT
bjmsr-2231	147	29	results	result	NOUN
bjmsr-2231	147	30	in	in	ADP
bjmsr-2231	147	31	this	this	DET
bjmsr-2231	147	32	section	section	NOUN
bjmsr-2231	147	33	,	,	PUNCT
bjmsr-2231	147	34	the	the	DET
bjmsr-2231	147	35	responses	response	NOUN
bjmsr-2231	147	36	of	of	ADP
bjmsr-2231	147	37	the	the	DET
bjmsr-2231	147	38	interviewer	interviewer	NOUN
bjmsr-2231	147	39	were	be	AUX
bjmsr-2231	147	40	discussed	discuss	VERB
bjmsr-2231	147	41	in	in	ADP
bjmsr-2231	147	42	detail	detail	NOUN
bjmsr-2231	147	43	.	.	PUNCT
bjmsr-2231	148	1	thematic	thematic	ADJ
bjmsr-2231	148	2	evaluation	evaluation	NOUN
bjmsr-2231	148	3	was	be	AUX
bjmsr-2231	148	4	used	use	VERB
bjmsr-2231	148	5	to	to	PART
bjmsr-2231	148	6	develop	develop	VERB
bjmsr-2231	148	7	themes	theme	NOUN
bjmsr-2231	148	8	,	,	PUNCT
bjmsr-2231	148	9	which	which	PRON
bjmsr-2231	148	10	were	be	AUX
bjmsr-2231	148	11	then	then	ADV
bjmsr-2231	148	12	used	use	VERB
bjmsr-2231	148	13	to	to	PART
bjmsr-2231	148	14	classify	classify	VERB
bjmsr-2231	148	15	the	the	DET
bjmsr-2231	148	16	interviews	interview	NOUN
bjmsr-2231	148	17	.	.	PUNCT
bjmsr-2231	149	1	the	the	DET
bjmsr-2231	149	2	key	key	ADJ
bjmsr-2231	149	3	themes	theme	NOUN
bjmsr-2231	149	4	presented	present	VERB
bjmsr-2231	149	5	in	in	ADP
bjmsr-2231	149	6	table	table	NOUN
bjmsr-2231	149	7	2	2	NUM
bjmsr-2231	149	8	,	,	PUNCT
bjmsr-2231	149	9	that	that	PRON
bjmsr-2231	149	10	were	be	AUX
bjmsr-2231	149	11	generated	generate	VERB
bjmsr-2231	149	12	from	from	ADP
bjmsr-2231	149	13	the	the	DET
bjmsr-2231	149	14	data	datum	NOUN
bjmsr-2231	149	15	analysis	analysis	NOUN
bjmsr-2231	149	16	such	such	ADJ
bjmsr-2231	149	17	as	as	ADP
bjmsr-2231	149	18	socio	socio	NOUN
bjmsr-2231	149	19	-	-	ADJ
bjmsr-2231	149	20	demographic	demographic	ADJ
bjmsr-2231	149	21	,	,	PUNCT
bjmsr-2231	149	22	convenience	convenience	NOUN
bjmsr-2231	149	23	,	,	PUNCT
bjmsr-2231	149	24	vulnerability	vulnerability	NOUN
bjmsr-2231	149	25	to	to	ADP
bjmsr-2231	149	26	risks	risk	NOUN
bjmsr-2231	149	27	which	which	PRON
bjmsr-2231	149	28	are	be	AUX
bjmsr-2231	149	29	further	far	ADV
bjmsr-2231	149	30	divided	divide	VERB
bjmsr-2231	149	31	into	into	ADP
bjmsr-2231	149	32	sub	sub	NOUN
bjmsr-2231	149	33	-	-	NOUN
bjmsr-2231	149	34	themes	theme	NOUN
bjmsr-2231	149	35	.	.	PUNCT
bjmsr-2231	150	1	the	the	DET
bjmsr-2231	150	2	socio	socio	NOUN
bjmsr-2231	150	3	-	-	ADJ
bjmsr-2231	150	4	demographic	demographic	ADJ
bjmsr-2231	150	5	factors	factor	NOUN
bjmsr-2231	150	6	include	include	VERB
bjmsr-2231	150	7	age	age	NOUN
bjmsr-2231	150	8	,	,	PUNCT
bjmsr-2231	150	9	gender	gender	NOUN
bjmsr-2231	150	10	,	,	PUNCT
bjmsr-2231	150	11	education	education	NOUN
bjmsr-2231	150	12	,	,	PUNCT
bjmsr-2231	150	13	and	and	CCONJ
bjmsr-2231	150	14	occupation	occupation	NOUN
bjmsr-2231	150	15	.	.	PUNCT
bjmsr-2231	151	1	perceived	perceive	VERB
bjmsr-2231	151	2	usefulness	usefulness	NOUN
bjmsr-2231	151	3	and	and	CCONJ
bjmsr-2231	151	4	perceived	perceive	VERB
bjmsr-2231	151	5	ease	ease	NOUN
bjmsr-2231	151	6	of	of	ADP
bjmsr-2231	151	7	use	use	NOUN
bjmsr-2231	151	8	constitute	constitute	VERB
bjmsr-2231	151	9	the	the	DET
bjmsr-2231	151	10	part	part	NOUN
bjmsr-2231	151	11	of	of	ADP
bjmsr-2231	151	12	convenience	convenience	NOUN
bjmsr-2231	151	13	.	.	PUNCT
bjmsr-2231	152	1	security	security	NOUN
bjmsr-2231	152	2	,	,	PUNCT
bjmsr-2231	152	3	payment	payment	NOUN
bjmsr-2231	152	4	failure	failure	NOUN
bjmsr-2231	152	5	and	and	CCONJ
bjmsr-2231	152	6	privacy	privacy	NOUN
bjmsr-2231	152	7	are	be	AUX
bjmsr-2231	152	8	the	the	DET
bjmsr-2231	152	9	part	part	NOUN
bjmsr-2231	152	10	of	of	ADP
bjmsr-2231	152	11	vulnerability	vulnerability	NOUN
bjmsr-2231	152	12	of	of	ADP
bjmsr-2231	152	13	risk	risk	NOUN
bjmsr-2231	152	14	.	.	PUNCT
bjmsr-2231	153	1	the	the	DET
bjmsr-2231	153	2	analysis	analysis	NOUN
bjmsr-2231	153	3	of	of	ADP
bjmsr-2231	153	4	the	the	DET
bjmsr-2231	153	5	responses	response	NOUN
bjmsr-2231	153	6	was	be	AUX
bjmsr-2231	153	7	discussed	discuss	VERB
bjmsr-2231	153	8	based	base	VERB
bjmsr-2231	153	9	on	on	ADP
bjmsr-2231	153	10	table	table	NOUN
bjmsr-2231	153	11	2	2	NUM
bjmsr-2231	153	12	which	which	PRON
bjmsr-2231	153	13	was	be	AUX
bjmsr-2231	153	14	categorized	categorize	VERB
bjmsr-2231	153	15	into	into	ADP
bjmsr-2231	153	16	different	different	ADJ
bjmsr-2231	153	17	themes	theme	NOUN
bjmsr-2231	153	18	.	.	PUNCT
bjmsr-2231	154	1	socio	socio	NOUN
bjmsr-2231	154	2	-	-	ADJ
bjmsr-2231	154	3	demographic	demographic	ADJ
bjmsr-2231	154	4	agur	agur	NOUN
bjmsr-2231	154	5	et	et	PROPN
bjmsr-2231	154	6	al	al	PROPN
bjmsr-2231	154	7	.	.	PROPN
bjmsr-2231	155	1	(	(	PUNCT
bjmsr-2231	155	2	2020	2020	NUM
bjmsr-2231	155	3	)	)	PUNCT
bjmsr-2231	155	4	;	;	PUNCT
bjmsr-2231	156	1	ghosh	ghosh	PROPN
bjmsr-2231	156	2	et	et	PROPN
bjmsr-2231	156	3	al	al	PROPN
bjmsr-2231	156	4	.	.	PROPN
bjmsr-2231	157	1	(	(	PUNCT
bjmsr-2231	157	2	2020	2020	NUM
bjmsr-2231	157	3	)	)	PUNCT
bjmsr-2231	157	4	;	;	PUNCT
bjmsr-2231	158	1	mohan	mohan	PROPN
bjmsr-2231	158	2	et	et	PROPN
bjmsr-2231	158	3	al	al	PROPN
bjmsr-2231	158	4	.	.	PROPN
bjmsr-2231	158	5	(	(	PUNCT
bjmsr-2231	158	6	2020	2020	NUM
bjmsr-2231	158	7	)	)	PUNCT
bjmsr-2231	158	8	,	,	PUNCT
bjmsr-2231	158	9	and	and	CCONJ
bjmsr-2231	158	10	nandru	nandru	NOUN
bjmsr-2231	158	11	and	and	CCONJ
bjmsr-2231	158	12	rentala	rentala	PROPN
bjmsr-2231	158	13	(	(	PUNCT
bjmsr-2231	158	14	2020	2020	NUM
bjmsr-2231	158	15	)	)	PUNCT
bjmsr-2231	158	16	found	find	VERB
bjmsr-2231	158	17	that	that	SCONJ
bjmsr-2231	158	18	social	social	ADJ
bjmsr-2231	158	19	demographic	demographic	ADJ
bjmsr-2231	158	20	factors	factor	NOUN
bjmsr-2231	158	21	play	play	VERB
bjmsr-2231	158	22	a	a	DET
bjmsr-2231	158	23	vital	vital	ADJ
bjmsr-2231	158	24	role	role	NOUN
bjmsr-2231	158	25	in	in	ADP
bjmsr-2231	158	26	the	the	DET
bjmsr-2231	158	27	technology	technology	NOUN
bjmsr-2231	158	28	adoption	adoption	NOUN
bjmsr-2231	158	29	in	in	ADP
bjmsr-2231	158	30	socio	socio	NOUN
bjmsr-2231	158	31	-	-	PUNCT
bjmsr-2231	158	32	economically	economically	ADV
bjmsr-2231	158	33	divided	divide	VERB
bjmsr-2231	158	34	population	population	NOUN
bjmsr-2231	158	35	.	.	PUNCT
bjmsr-2231	159	1	we	we	PRON
bjmsr-2231	159	2	identified	identify	VERB
bjmsr-2231	159	3	the	the	DET
bjmsr-2231	159	4	sub	sub	NOUN
bjmsr-2231	159	5	-	-	NOUN
bjmsr-2231	159	6	themes	theme	NOUN
bjmsr-2231	159	7	such	such	ADJ
bjmsr-2231	159	8	as	as	ADP
bjmsr-2231	159	9	age	age	NOUN
bjmsr-2231	159	10	,	,	PUNCT
bjmsr-2231	159	11	gender	gender	NOUN
bjmsr-2231	159	12	,	,	PUNCT
bjmsr-2231	159	13	education	education	NOUN
bjmsr-2231	159	14	,	,	PUNCT
bjmsr-2231	159	15	and	and	CCONJ
bjmsr-2231	159	16	occupation	occupation	NOUN
bjmsr-2231	159	17	found	find	VERB
bjmsr-2231	159	18	to	to	PART
bjmsr-2231	159	19	be	be	AUX
bjmsr-2231	159	20	the	the	DET
bjmsr-2231	159	21	most	most	ADV
bjmsr-2231	159	22	significant	significant	ADJ
bjmsr-2231	159	23	determinants	determinant	NOUN
bjmsr-2231	159	24	that	that	PRON
bjmsr-2231	159	25	influence	influence	VERB
bjmsr-2231	159	26	smpp	smpp	PROPN
bjmsr-2231	159	27	adoption	adoption	PROPN
bjmsr-2231	159	28	.	.	PUNCT
bjmsr-2231	160	1	the	the	DET
bjmsr-2231	160	2	responses	response	NOUN
bjmsr-2231	160	3	of	of	ADP
bjmsr-2231	160	4	the	the	DET
bjmsr-2231	160	5	participants	participant	NOUN
bjmsr-2231	160	6	are	be	AUX
bjmsr-2231	160	7	divided	divide	VERB
bjmsr-2231	160	8	based	base	VERB
bjmsr-2231	160	9	on	on	ADP
bjmsr-2231	160	10	socioeconomic	socioeconomic	ADJ
bjmsr-2231	160	11	factors	factor	NOUN
bjmsr-2231	160	12	as	as	SCONJ
bjmsr-2231	160	13	discussed	discuss	VERB
bjmsr-2231	160	14	below	below	ADV
bjmsr-2231	160	15	.	.	PUNCT
bjmsr-2231	161	1	age	age	PROPN
bjmsr-2231	161	2	wang	wang	PROPN
bjmsr-2231	161	3	and	and	CCONJ
bjmsr-2231	161	4	gu	gu	PROPN
bjmsr-2231	161	5	(	(	PUNCT
bjmsr-2231	161	6	2017	2017	NUM
bjmsr-2231	161	7	)	)	PUNCT
bjmsr-2231	161	8	found	find	VERB
bjmsr-2231	161	9	that	that	SCONJ
bjmsr-2231	161	10	growing	grow	VERB
bjmsr-2231	161	11	age	age	NOUN
bjmsr-2231	161	12	is	be	AUX
bjmsr-2231	161	13	the	the	DET
bjmsr-2231	161	14	factor	factor	NOUN
bjmsr-2231	161	15	which	which	PRON
bjmsr-2231	161	16	refrain	refrain	VERB
bjmsr-2231	161	17	the	the	DET
bjmsr-2231	161	18	user	user	NOUN
bjmsr-2231	161	19	from	from	ADP
bjmsr-2231	161	20	adopting	adopt	VERB
bjmsr-2231	161	21	smpp	smpp	PROPN
bjmsr-2231	161	22	.	.	PUNCT
bjmsr-2231	162	1	in	in	ADP
bjmsr-2231	162	2	the	the	DET
bjmsr-2231	162	3	matter	matter	NOUN
bjmsr-2231	162	4	of	of	ADP
bjmsr-2231	162	5	age	age	NOUN
bjmsr-2231	162	6	and	and	CCONJ
bjmsr-2231	162	7	adoption	adoption	NOUN
bjmsr-2231	162	8	of	of	ADP
bjmsr-2231	162	9	smpp	smpp	PROPN
bjmsr-2231	162	10	,	,	PUNCT
bjmsr-2231	162	11	the	the	DET
bjmsr-2231	162	12	response	response	NOUN
bjmsr-2231	162	13	of	of	ADP
bjmsr-2231	162	14	respondent	respondent	NOUN
bjmsr-2231	162	15	4	4	NUM
bjmsr-2231	162	16	is	be	AUX
bjmsr-2231	162	17	worth	worth	ADJ
bjmsr-2231	162	18	mentioning	mention	VERB
bjmsr-2231	162	19	which	which	PRON
bjmsr-2231	162	20	goes	go	VERB
bjmsr-2231	162	21	as	as	SCONJ
bjmsr-2231	162	22	“	"	PUNCT
bjmsr-2231	162	23	for	for	ADP
bjmsr-2231	162	24	me	i	PRON
bjmsr-2231	162	25	being	be	AUX
bjmsr-2231	162	26	young	young	ADJ
bjmsr-2231	162	27	it	it	PRON
bjmsr-2231	162	28	is	be	AUX
bjmsr-2231	162	29	easy	easy	ADJ
bjmsr-2231	162	30	to	to	PART
bjmsr-2231	162	31	use	use	VERB
bjmsr-2231	162	32	the	the	DET
bjmsr-2231	162	33	payment	payment	NOUN
bjmsr-2231	162	34	facilities	facility	NOUN
bjmsr-2231	162	35	of	of	ADP
bjmsr-2231	162	36	social	social	ADJ
bjmsr-2231	162	37	media	medium	NOUN
bjmsr-2231	162	38	platforms	platform	NOUN
bjmsr-2231	162	39	but	but	CCONJ
bjmsr-2231	162	40	for	for	ADP
bjmsr-2231	162	41	an	an	DET
bjmsr-2231	162	42	elderly	elderly	ADJ
bjmsr-2231	162	43	person	person	NOUN
bjmsr-2231	162	44	it	it	PRON
bjmsr-2231	162	45	is	be	AUX
bjmsr-2231	162	46	difficult	difficult	ADJ
bjmsr-2231	162	47	as	as	SCONJ
bjmsr-2231	162	48	i	i	PRON
bjmsr-2231	162	49	have	have	AUX
bjmsr-2231	162	50	personally	personally	ADV
bjmsr-2231	162	51	observed	observe	VERB
bjmsr-2231	162	52	.	.	PUNCT
bjmsr-2231	162	53	”	"	PUNCT
bjmsr-2231	163	1	thus	thus	ADV
bjmsr-2231	163	2	,	,	PUNCT
bjmsr-2231	163	3	it	it	PRON
bjmsr-2231	163	4	can	can	AUX
bjmsr-2231	163	5	be	be	AUX
bjmsr-2231	163	6	inferred	infer	VERB
bjmsr-2231	163	7	that	that	SCONJ
bjmsr-2231	163	8	elderly	elderly	ADJ
bjmsr-2231	163	9	people	people	NOUN
bjmsr-2231	163	10	as	as	ADP
bjmsr-2231	163	11	compared	compare	VERB
bjmsr-2231	163	12	to	to	ADP
bjmsr-2231	163	13	young	young	ADJ
bjmsr-2231	163	14	people	people	NOUN
bjmsr-2231	163	15	,	,	PUNCT
bjmsr-2231	163	16	does	do	AUX
bjmsr-2231	163	17	not	not	PART
bjmsr-2231	163	18	prefer	prefer	VERB
bjmsr-2231	163	19	to	to	PART
bjmsr-2231	163	20	use	use	VERB
bjmsr-2231	163	21	and	and	CCONJ
bjmsr-2231	163	22	adopt	adopt	VERB
bjmsr-2231	163	23	smpp	smpp	PROPN
bjmsr-2231	163	24	.	.	PUNCT
bjmsr-2231	164	1	gender	gender	NOUN
bjmsr-2231	164	2	gender	gender	NOUN
bjmsr-2231	164	3	was	be	AUX
bjmsr-2231	164	4	found	find	VERB
bjmsr-2231	164	5	to	to	PART
bjmsr-2231	164	6	be	be	AUX
bjmsr-2231	164	7	the	the	DET
bjmsr-2231	164	8	main	main	ADJ
bjmsr-2231	164	9	factor	factor	NOUN
bjmsr-2231	164	10	for	for	ADP
bjmsr-2231	164	11	adopting	adopt	VERB
bjmsr-2231	164	12	digital	digital	ADJ
bjmsr-2231	164	13	payment	payment	NOUN
bjmsr-2231	164	14	platform	platform	NOUN
bjmsr-2231	164	15	such	such	ADJ
bjmsr-2231	164	16	as	as	ADP
bjmsr-2231	164	17	whatsapp	whatsapp	NOUN
bjmsr-2231	164	18	pay	pay	NOUN
bjmsr-2231	164	19	,	,	PUNCT
bjmsr-2231	164	20	insta	insta	PROPN
bjmsr-2231	164	21	pay	pay	NOUN
bjmsr-2231	164	22	,	,	PUNCT
bjmsr-2231	164	23	facebook	facebook	NOUN
bjmsr-2231	164	24	pay	pay	NOUN
bjmsr-2231	164	25	.	.	PUNCT
bjmsr-2231	165	1	male	male	NOUN
bjmsr-2231	165	2	normally	normally	ADV
bjmsr-2231	165	3	prefer	prefer	VERB
bjmsr-2231	165	4	to	to	PART
bjmsr-2231	165	5	adopt	adopt	VERB
bjmsr-2231	165	6	digital	digital	ADJ
bjmsr-2231	165	7	payment	payment	NOUN
bjmsr-2231	165	8	as	as	ADP
bjmsr-2231	165	9	compared	compare	VERB
bjmsr-2231	165	10	to	to	ADP
bjmsr-2231	165	11	female	female	ADJ
bjmsr-2231	165	12	(	(	PUNCT
bjmsr-2231	165	13	tinmaz	tinmaz	NOUN
bjmsr-2231	165	14	&	&	CCONJ
bjmsr-2231	165	15	doan	doan	PROPN
bjmsr-2231	165	16	2023	2023	NUM
bjmsr-2231	165	17	;	;	PUNCT
bjmsr-2231	165	18	tavera	tavera	NOUN
bjmsr-2231	165	19	-	-	PUNCT
bjmsr-2231	165	20	mesías	mesías	PROPN
bjmsr-2231	165	21	et	et	PROPN
bjmsr-2231	165	22	al	al	PROPN
bjmsr-2231	165	23	.	.	PROPN
bjmsr-2231	165	24	,	,	PUNCT
bjmsr-2231	165	25	2023	2023	NUM
bjmsr-2231	165	26	)	)	PUNCT
bjmsr-2231	165	27	.	.	PUNCT
bjmsr-2231	166	1	through	through	ADP
bjmsr-2231	166	2	our	our	PRON
bjmsr-2231	166	3	literature	literature	NOUN
bjmsr-2231	166	4	,	,	PUNCT
bjmsr-2231	166	5	we	we	PRON
bjmsr-2231	166	6	concluded	conclude	VERB
bjmsr-2231	166	7	male	male	ADJ
bjmsr-2231	166	8	dominance	dominance	NOUN
bjmsr-2231	166	9	prevails	prevail	VERB
bjmsr-2231	166	10	over	over	ADP
bjmsr-2231	166	11	female	female	NOUN
bjmsr-2231	166	12	for	for	ADP
bjmsr-2231	166	13	digital	digital	ADJ
bjmsr-2231	166	14	payment	payment	NOUN
bjmsr-2231	166	15	adoption	adoption	NOUN
bjmsr-2231	166	16	and	and	CCONJ
bjmsr-2231	166	17	usage	usage	NOUN
bjmsr-2231	166	18	.	.	PUNCT
bjmsr-2231	167	1	gutierrez	gutierrez	NOUN
bjmsr-2231	167	2	-	-	PUNCT
bjmsr-2231	167	3	leefmans	leefmans	PROPN
bjmsr-2231	167	4	and	and	CCONJ
bjmsr-2231	167	5	adewale	adewale	PROPN
bjmsr-2231	167	6	olaleye	olaleye	PROPN
bjmsr-2231	167	7	(	(	PUNCT
bjmsr-2231	167	8	2021	2021	NUM
bjmsr-2231	167	9	)	)	PUNCT
bjmsr-2231	167	10	highlights	highlight	NOUN
bjmsr-2231	167	11	that	that	DET
bjmsr-2231	167	12	male	male	NOUN
bjmsr-2231	167	13	were	be	AUX
bjmsr-2231	167	14	more	more	ADV
bjmsr-2231	167	15	aware	aware	ADJ
bjmsr-2231	167	16	about	about	ADP
bjmsr-2231	167	17	digital	digital	ADJ
bjmsr-2231	167	18	platform	platform	NOUN
bjmsr-2231	167	19	than	than	ADP
bjmsr-2231	167	20	female	female	NOUN
bjmsr-2231	167	21	.	.	PUNCT
bjmsr-2231	168	1	pandey	pandey	PROPN
bjmsr-2231	168	2	et	et	PROPN
bjmsr-2231	168	3	al	al	PROPN
bjmsr-2231	168	4	.	.	PROPN
bjmsr-2231	168	5	,	,	PUNCT
bjmsr-2231	168	6	bangladesh	bangladesh	PROPN
bjmsr-2231	168	7	journal	journal	NOUN
bjmsr-2231	168	8	of	of	ADP
bjmsr-2231	168	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	168	10	scientific	scientific	ADJ
bjmsr-2231	168	11	research	research	NOUN
bjmsr-2231	168	12	9(3	9(3	NUM
bjmsr-2231	168	13	)	)	PUNCT
bjmsr-2231	168	14	(	(	PUNCT
bjmsr-2231	168	15	2024	2024	NUM
bjmsr-2231	168	16	)	)	PUNCT
bjmsr-2231	168	17	,	,	PUNCT
bjmsr-2231	168	18	33	33	NUM
bjmsr-2231	168	19	-	-	SYM
bjmsr-2231	168	20	41	41	NUM
bjmsr-2231	168	21	37	37	NUM
bjmsr-2231	168	22	in	in	ADP
bjmsr-2231	168	23	this	this	DET
bjmsr-2231	168	24	study	study	NOUN
bjmsr-2231	168	25	,	,	PUNCT
bjmsr-2231	168	26	no	no	DET
bjmsr-2231	168	27	such	such	ADJ
bjmsr-2231	168	28	discrimination	discrimination	NOUN
bjmsr-2231	168	29	was	be	AUX
bjmsr-2231	168	30	found	find	VERB
bjmsr-2231	168	31	through	through	ADP
bjmsr-2231	168	32	the	the	DET
bjmsr-2231	168	33	responses	response	NOUN
bjmsr-2231	168	34	we	we	PRON
bjmsr-2231	168	35	received	receive	VERB
bjmsr-2231	168	36	.	.	PUNCT
bjmsr-2231	169	1	respondent	respondent	NOUN
bjmsr-2231	169	2	4	4	NUM
bjmsr-2231	169	3	specifically	specifically	ADV
bjmsr-2231	169	4	went	go	VERB
bjmsr-2231	169	5	on	on	ADP
bjmsr-2231	169	6	stating	state	VERB
bjmsr-2231	169	7	that	that	SCONJ
bjmsr-2231	169	8	“	"	PUNCT
bjmsr-2231	169	9	for	for	ADP
bjmsr-2231	169	10	me	i	PRON
bjmsr-2231	169	11	smpp	smpp	PROPN
bjmsr-2231	169	12	is	be	AUX
bjmsr-2231	169	13	platform	platform	NOUN
bjmsr-2231	169	14	where	where	SCONJ
bjmsr-2231	169	15	male	male	ADJ
bjmsr-2231	169	16	and	and	CCONJ
bjmsr-2231	169	17	female	female	ADJ
bjmsr-2231	169	18	use	use	NOUN
bjmsr-2231	169	19	this	this	DET
bjmsr-2231	169	20	feature	feature	NOUN
bjmsr-2231	169	21	equally	equally	ADV
bjmsr-2231	169	22	and	and	CCONJ
bjmsr-2231	169	23	there	there	PRON
bjmsr-2231	169	24	is	be	VERB
bjmsr-2231	169	25	no	no	DET
bjmsr-2231	169	26	such	such	ADJ
bjmsr-2231	169	27	discrimination	discrimination	NOUN
bjmsr-2231	169	28	to	to	PART
bjmsr-2231	169	29	use	use	VERB
bjmsr-2231	169	30	and	and	CCONJ
bjmsr-2231	169	31	adopt	adopt	VERB
bjmsr-2231	169	32	smpp	smpp	PROPN
bjmsr-2231	169	33	in	in	ADP
bjmsr-2231	169	34	between	between	ADP
bjmsr-2231	169	35	the	the	DET
bjmsr-2231	169	36	gender	gender	NOUN
bjmsr-2231	169	37	.	.	PUNCT
bjmsr-2231	170	1	thus	thus	ADV
bjmsr-2231	170	2	,	,	PUNCT
bjmsr-2231	170	3	gender	gender	NOUN
bjmsr-2231	170	4	does	do	AUX
bjmsr-2231	170	5	not	not	PART
bjmsr-2231	170	6	play	play	VERB
bjmsr-2231	170	7	a	a	DET
bjmsr-2231	170	8	significant	significant	ADJ
bjmsr-2231	170	9	role	role	NOUN
bjmsr-2231	170	10	in	in	ADP
bjmsr-2231	170	11	the	the	DET
bjmsr-2231	170	12	adoption	adoption	NOUN
bjmsr-2231	170	13	and	and	CCONJ
bjmsr-2231	170	14	utilization	utilization	NOUN
bjmsr-2231	170	15	of	of	ADP
bjmsr-2231	170	16	smpp	smpp	PROPN
bjmsr-2231	170	17	(	(	PUNCT
bjmsr-2231	170	18	kullmann	kullmann	PROPN
bjmsr-2231	170	19	,	,	PUNCT
bjmsr-2231	170	20	2018	2018	NUM
bjmsr-2231	170	21	)	)	PUNCT
bjmsr-2231	170	22	.	.	PUNCT
bjmsr-2231	171	1	education	education	NOUN
bjmsr-2231	171	2	a	a	DET
bjmsr-2231	171	3	basic	basic	ADJ
bjmsr-2231	171	4	level	level	NOUN
bjmsr-2231	171	5	of	of	ADP
bjmsr-2231	171	6	education	education	NOUN
bjmsr-2231	171	7	is	be	AUX
bjmsr-2231	171	8	required	require	VERB
bjmsr-2231	171	9	to	to	PART
bjmsr-2231	171	10	operate	operate	VERB
bjmsr-2231	171	11	the	the	DET
bjmsr-2231	171	12	digital	digital	ADJ
bjmsr-2231	171	13	payment	payment	NOUN
bjmsr-2231	171	14	platform	platform	NOUN
bjmsr-2231	171	15	.	.	PUNCT
bjmsr-2231	172	1	wang	wang	PROPN
bjmsr-2231	172	2	and	and	CCONJ
bjmsr-2231	172	3	gu	gu	PROPN
bjmsr-2231	172	4	(	(	PUNCT
bjmsr-2231	172	5	2017	2017	NUM
bjmsr-2231	172	6	)	)	PUNCT
bjmsr-2231	172	7	found	find	VERB
bjmsr-2231	172	8	that	that	SCONJ
bjmsr-2231	172	9	educated	educate	VERB
bjmsr-2231	172	10	people	people	NOUN
bjmsr-2231	172	11	easily	easily	ADV
bjmsr-2231	172	12	adopt	adopt	VERB
bjmsr-2231	172	13	the	the	DET
bjmsr-2231	172	14	new	new	ADJ
bjmsr-2231	172	15	advanced	advanced	ADJ
bjmsr-2231	172	16	payment	payment	NOUN
bjmsr-2231	172	17	technology	technology	NOUN
bjmsr-2231	172	18	as	as	SCONJ
bjmsr-2231	172	19	compared	compare	VERB
bjmsr-2231	172	20	to	to	ADP
bjmsr-2231	172	21	uneducated	uneducated	ADJ
bjmsr-2231	172	22	.	.	PUNCT
bjmsr-2231	173	1	the	the	DET
bjmsr-2231	173	2	need	need	NOUN
bjmsr-2231	173	3	of	of	ADP
bjmsr-2231	173	4	education	education	NOUN
bjmsr-2231	173	5	better	well	ADV
bjmsr-2231	173	6	can	can	AUX
bjmsr-2231	173	7	be	be	AUX
bjmsr-2231	173	8	understood	understand	VERB
bjmsr-2231	173	9	through	through	ADP
bjmsr-2231	173	10	the	the	DET
bjmsr-2231	173	11	responses	response	NOUN
bjmsr-2231	173	12	from	from	ADP
bjmsr-2231	173	13	respondent	respondent	NOUN
bjmsr-2231	173	14	2	2	NUM
bjmsr-2231	173	15	as	as	SCONJ
bjmsr-2231	173	16	it	it	PRON
bjmsr-2231	173	17	goes	go	VERB
bjmsr-2231	173	18	like	like	ADP
bjmsr-2231	173	19	this	this	PRON
bjmsr-2231	173	20	“	"	PUNCT
bjmsr-2231	173	21	education	education	NOUN
bjmsr-2231	173	22	plays	play	VERB
bjmsr-2231	173	23	an	an	DET
bjmsr-2231	173	24	important	important	ADJ
bjmsr-2231	173	25	role	role	NOUN
bjmsr-2231	173	26	in	in	ADP
bjmsr-2231	173	27	being	be	AUX
bjmsr-2231	173	28	able	able	ADJ
bjmsr-2231	173	29	to	to	PART
bjmsr-2231	173	30	use	use	VERB
bjmsr-2231	173	31	new	new	ADJ
bjmsr-2231	173	32	technologies	technology	NOUN
bjmsr-2231	173	33	and	and	CCONJ
bjmsr-2231	173	34	being	be	AUX
bjmsr-2231	173	35	aware	aware	ADJ
bjmsr-2231	173	36	of	of	ADP
bjmsr-2231	173	37	the	the	DET
bjmsr-2231	173	38	ongoing	ongoing	ADJ
bjmsr-2231	173	39	advancements	advancement	NOUN
bjmsr-2231	173	40	”	"	PUNCT
bjmsr-2231	173	41	.	.	PUNCT
bjmsr-2231	174	1	from	from	ADP
bjmsr-2231	174	2	the	the	DET
bjmsr-2231	174	3	responses	response	NOUN
bjmsr-2231	174	4	,	,	PUNCT
bjmsr-2231	174	5	it	it	PRON
bjmsr-2231	174	6	can	can	AUX
bjmsr-2231	174	7	be	be	AUX
bjmsr-2231	174	8	inferred	infer	VERB
bjmsr-2231	174	9	that	that	SCONJ
bjmsr-2231	174	10	individuals	individual	NOUN
bjmsr-2231	174	11	with	with	ADP
bjmsr-2231	174	12	literacy	literacy	NOUN
bjmsr-2231	174	13	are	be	AUX
bjmsr-2231	174	14	more	more	ADV
bjmsr-2231	174	15	likely	likely	ADJ
bjmsr-2231	174	16	to	to	PART
bjmsr-2231	174	17	readily	readily	ADV
bjmsr-2231	174	18	embrace	embrace	VERB
bjmsr-2231	174	19	smpp	smpp	PROPN
bjmsr-2231	174	20	then	then	ADV
bjmsr-2231	174	21	illiterate	illiterate	ADJ
bjmsr-2231	174	22	people	people	NOUN
bjmsr-2231	174	23	.	.	PUNCT
bjmsr-2231	175	1	therefore	therefore	ADV
bjmsr-2231	175	2	,	,	PUNCT
bjmsr-2231	175	3	education	education	NOUN
bjmsr-2231	175	4	appears	appear	VERB
bjmsr-2231	175	5	to	to	PART
bjmsr-2231	175	6	facilitate	facilitate	VERB
bjmsr-2231	175	7	easier	easy	ADJ
bjmsr-2231	175	8	for	for	ADP
bjmsr-2231	175	9	smpp	smpp	PROPN
bjmsr-2231	175	10	adoption	adoption	NOUN
bjmsr-2231	175	11	based	base	VERB
bjmsr-2231	175	12	on	on	ADP
bjmsr-2231	175	13	these	these	DET
bjmsr-2231	175	14	responses	response	NOUN
bjmsr-2231	175	15	.	.	PUNCT
bjmsr-2231	176	1	occupation	occupation	NOUN
bjmsr-2231	176	2	devi	devi	PROPN
bjmsr-2231	176	3	and	and	CCONJ
bjmsr-2231	176	4	singh	singh	PROPN
bjmsr-2231	176	5	(	(	PUNCT
bjmsr-2231	176	6	2022	2022	NUM
bjmsr-2231	176	7	)	)	PUNCT
bjmsr-2231	176	8	shed	shed	VERB
bjmsr-2231	176	9	light	light	NOUN
bjmsr-2231	176	10	on	on	ADP
bjmsr-2231	176	11	the	the	DET
bjmsr-2231	176	12	upliftment	upliftment	NOUN
bjmsr-2231	176	13	of	of	ADP
bjmsr-2231	176	14	digital	digital	ADJ
bjmsr-2231	176	15	payment	payment	NOUN
bjmsr-2231	176	16	platform	platform	NOUN
bjmsr-2231	176	17	occupational	occupational	ADJ
bjmsr-2231	176	18	activities	activity	NOUN
bjmsr-2231	176	19	during	during	ADP
bjmsr-2231	176	20	covid-19	covid-19	PROPN
bjmsr-2231	176	21	pandemic	pandemic	NOUN
bjmsr-2231	176	22	.	.	PUNCT
bjmsr-2231	177	1	this	this	DET
bjmsr-2231	177	2	aspect	aspect	NOUN
bjmsr-2231	177	3	of	of	ADP
bjmsr-2231	177	4	study	study	NOUN
bjmsr-2231	177	5	shows	show	VERB
bjmsr-2231	177	6	interrelation	interrelation	NOUN
bjmsr-2231	177	7	between	between	ADP
bjmsr-2231	177	8	digital	digital	ADJ
bjmsr-2231	177	9	payment	payment	NOUN
bjmsr-2231	177	10	occupation	occupation	NOUN
bjmsr-2231	177	11	.	.	PUNCT
bjmsr-2231	178	1	devi	devi	PROPN
bjmsr-2231	178	2	and	and	CCONJ
bjmsr-2231	178	3	singh	singh	PROPN
bjmsr-2231	178	4	(	(	PUNCT
bjmsr-2231	178	5	2022	2022	NUM
bjmsr-2231	178	6	)	)	PUNCT
bjmsr-2231	178	7	found	find	VERB
bjmsr-2231	178	8	that	that	SCONJ
bjmsr-2231	178	9	the	the	DET
bjmsr-2231	178	10	occupation	occupation	NOUN
bjmsr-2231	178	11	of	of	ADP
bjmsr-2231	178	12	the	the	DET
bjmsr-2231	178	13	participant	participant	NOUN
bjmsr-2231	178	14	may	may	AUX
bjmsr-2231	178	15	decide	decide	VERB
bjmsr-2231	178	16	their	their	PRON
bjmsr-2231	178	17	willingness	willingness	NOUN
bjmsr-2231	178	18	to	to	PART
bjmsr-2231	178	19	adopt	adopt	VERB
bjmsr-2231	178	20	the	the	DET
bjmsr-2231	178	21	new	new	ADJ
bjmsr-2231	178	22	technology	technology	NOUN
bjmsr-2231	178	23	for	for	ADP
bjmsr-2231	178	24	payment	payment	NOUN
bjmsr-2231	178	25	systems	system	NOUN
bjmsr-2231	178	26	.	.	PUNCT
bjmsr-2231	179	1	responses	response	NOUN
bjmsr-2231	179	2	from	from	ADP
bjmsr-2231	179	3	respondent	respondent	NOUN
bjmsr-2231	179	4	8	8	NUM
bjmsr-2231	179	5	define	define	VERB
bjmsr-2231	179	6	that	that	SCONJ
bjmsr-2231	179	7	there	there	PRON
bjmsr-2231	179	8	is	be	VERB
bjmsr-2231	179	9	no	no	DET
bjmsr-2231	179	10	correlation	correlation	NOUN
bjmsr-2231	179	11	between	between	ADP
bjmsr-2231	179	12	occupation	occupation	NOUN
bjmsr-2231	179	13	and	and	CCONJ
bjmsr-2231	179	14	the	the	DET
bjmsr-2231	179	15	adoption	adoption	NOUN
bjmsr-2231	179	16	of	of	ADP
bjmsr-2231	179	17	smpp	smpp	PROPN
bjmsr-2231	179	18	.	.	PUNCT
bjmsr-2231	180	1	respondent	respondent	NOUN
bjmsr-2231	180	2	8	8	NUM
bjmsr-2231	180	3	went	go	VERB
bjmsr-2231	180	4	on	on	ADP
bjmsr-2231	180	5	to	to	PART
bjmsr-2231	180	6	explain	explain	VERB
bjmsr-2231	180	7	as	as	SCONJ
bjmsr-2231	180	8	follows	follow	VERB
bjmsr-2231	180	9	,	,	PUNCT
bjmsr-2231	180	10	“	"	PUNCT
bjmsr-2231	180	11	i	i	PRON
bjmsr-2231	180	12	work	work	VERB
bjmsr-2231	180	13	as	as	ADP
bjmsr-2231	180	14	an	an	DET
bjmsr-2231	180	15	investment	investment	NOUN
bjmsr-2231	180	16	banker	banker	NOUN
bjmsr-2231	180	17	even	even	ADV
bjmsr-2231	180	18	then	then	ADV
bjmsr-2231	180	19	i	i	PRON
bjmsr-2231	180	20	have	have	VERB
bjmsr-2231	180	21	my	my	PRON
bjmsr-2231	180	22	qualms	qualm	NOUN
bjmsr-2231	180	23	regarding	regard	VERB
bjmsr-2231	180	24	payment	payment	NOUN
bjmsr-2231	180	25	through	through	ADP
bjmsr-2231	180	26	a	a	DET
bjmsr-2231	180	27	social	social	ADJ
bjmsr-2231	180	28	media	medium	NOUN
bjmsr-2231	180	29	platform	platform	NOUN
bjmsr-2231	180	30	”	"	PUNCT
bjmsr-2231	180	31	.	.	PUNCT
bjmsr-2231	181	1	we	we	PRON
bjmsr-2231	181	2	can	can	AUX
bjmsr-2231	181	3	interpret	interpret	VERB
bjmsr-2231	181	4	that	that	SCONJ
bjmsr-2231	181	5	the	the	DET
bjmsr-2231	181	6	adoption	adoption	NOUN
bjmsr-2231	181	7	of	of	ADP
bjmsr-2231	181	8	smpp	smpp	PROPN
bjmsr-2231	181	9	does	do	AUX
bjmsr-2231	181	10	not	not	PART
bjmsr-2231	181	11	depend	depend	VERB
bjmsr-2231	181	12	on	on	ADP
bjmsr-2231	181	13	the	the	DET
bjmsr-2231	181	14	type	type	NOUN
bjmsr-2231	181	15	of	of	ADP
bjmsr-2231	181	16	occupation	occupation	NOUN
bjmsr-2231	181	17	.	.	PUNCT
bjmsr-2231	182	1	the	the	DET
bjmsr-2231	182	2	adoption	adoption	NOUN
bjmsr-2231	182	3	of	of	ADP
bjmsr-2231	182	4	smpp	smpp	PROPN
bjmsr-2231	182	5	depends	depend	VERB
bjmsr-2231	182	6	on	on	ADP
bjmsr-2231	182	7	the	the	DET
bjmsr-2231	182	8	user	user	NOUN
bjmsr-2231	182	9	’s	’s	PART
bjmsr-2231	182	10	ability	ability	NOUN
bjmsr-2231	182	11	to	to	PART
bjmsr-2231	182	12	take	take	VERB
bjmsr-2231	182	13	risks	risk	NOUN
bjmsr-2231	182	14	and	and	CCONJ
bjmsr-2231	182	15	payment	payment	NOUN
bjmsr-2231	182	16	failure	failure	NOUN
bjmsr-2231	182	17	issues	issue	NOUN
bjmsr-2231	182	18	.	.	PUNCT
bjmsr-2231	183	1	convenience	convenience	VERB
bjmsr-2231	183	2	the	the	DET
bjmsr-2231	183	3	word	word	NOUN
bjmsr-2231	183	4	convenience	convenience	NOUN
bjmsr-2231	183	5	from	from	ADP
bjmsr-2231	183	6	the	the	DET
bjmsr-2231	183	7	latin	latin	ADJ
bjmsr-2231	183	8	word	word	NOUN
bjmsr-2231	183	9	convenient	convenient	ADJ
bjmsr-2231	183	10	which	which	PRON
bjmsr-2231	183	11	means	mean	VERB
bjmsr-2231	183	12	how	how	SCONJ
bjmsr-2231	183	13	easily	easily	ADV
bjmsr-2231	183	14	one	one	PRON
bjmsr-2231	183	15	can	can	AUX
bjmsr-2231	183	16	perceive	perceive	VERB
bjmsr-2231	183	17	the	the	DET
bjmsr-2231	183	18	upcoming	upcoming	NOUN
bjmsr-2231	183	19	and	and	CCONJ
bjmsr-2231	183	20	upgraded	upgrade	VERB
bjmsr-2231	183	21	technology	technology	NOUN
bjmsr-2231	183	22	for	for	ADP
bjmsr-2231	183	23	adoption	adoption	NOUN
bjmsr-2231	183	24	.	.	PUNCT
bjmsr-2231	184	1	there	there	PRON
bjmsr-2231	184	2	are	be	VERB
bjmsr-2231	184	3	two	two	NUM
bjmsr-2231	184	4	aspects	aspect	NOUN
bjmsr-2231	184	5	such	such	ADJ
bjmsr-2231	184	6	as	as	ADP
bjmsr-2231	184	7	perceived	perceive	VERB
bjmsr-2231	184	8	usefulness	usefulness	NOUN
bjmsr-2231	184	9	and	and	CCONJ
bjmsr-2231	184	10	perceived	perceive	VERB
bjmsr-2231	184	11	ease	ease	NOUN
bjmsr-2231	184	12	of	of	ADP
bjmsr-2231	184	13	use	use	NOUN
bjmsr-2231	184	14	.	.	PUNCT
bjmsr-2231	185	1	perceived	perceive	VERB
bjmsr-2231	185	2	usefulness	usefulness	NOUN
bjmsr-2231	185	3	can	can	AUX
bjmsr-2231	185	4	be	be	AUX
bjmsr-2231	185	5	defined	define	VERB
bjmsr-2231	185	6	as	as	ADP
bjmsr-2231	185	7	the	the	DET
bjmsr-2231	185	8	user	user	NOUN
bjmsr-2231	185	9	perception	perception	NOUN
bjmsr-2231	185	10	to	to	PART
bjmsr-2231	185	11	cope	cope	VERB
bjmsr-2231	185	12	with	with	ADP
bjmsr-2231	185	13	the	the	DET
bjmsr-2231	185	14	development	development	NOUN
bjmsr-2231	185	15	of	of	ADP
bjmsr-2231	185	16	technology	technology	NOUN
bjmsr-2231	185	17	(	(	PUNCT
bjmsr-2231	185	18	chua	chua	PROPN
bjmsr-2231	185	19	et	et	PROPN
bjmsr-2231	185	20	al	al	PROPN
bjmsr-2231	185	21	.	.	PROPN
bjmsr-2231	185	22	,	,	PUNCT
bjmsr-2231	185	23	2019	2019	NUM
bjmsr-2231	185	24	;	;	PUNCT
bjmsr-2231	185	25	nan	nan	PROPN
bjmsr-2231	185	26	et	et	PROPN
bjmsr-2231	185	27	al	al	PROPN
bjmsr-2231	185	28	.	.	PROPN
bjmsr-2231	185	29	,	,	PUNCT
bjmsr-2231	185	30	2020	2020	NUM
bjmsr-2231	185	31	;	;	PUNCT
bjmsr-2231	185	32	wong	wong	PROPN
bjmsr-2231	185	33	et	et	PROPN
bjmsr-2231	185	34	al	al	PROPN
bjmsr-2231	185	35	.	.	PROPN
bjmsr-2231	185	36	,	,	PUNCT
bjmsr-2231	185	37	2022	2022	NUM
bjmsr-2231	185	38	)	)	PUNCT
bjmsr-2231	185	39	.	.	PUNCT
bjmsr-2231	186	1	perceived	perceive	VERB
bjmsr-2231	186	2	usefulness	usefulness	NOUN
bjmsr-2231	186	3	perceived	perceive	VERB
bjmsr-2231	186	4	usefulness	usefulness	NOUN
bjmsr-2231	186	5	(	(	PUNCT
bjmsr-2231	186	6	pu	pu	PROPN
bjmsr-2231	186	7	)	)	PUNCT
bjmsr-2231	186	8	can	can	AUX
bjmsr-2231	186	9	be	be	AUX
bjmsr-2231	186	10	defined	define	VERB
bjmsr-2231	186	11	as	as	ADP
bjmsr-2231	186	12	a	a	DET
bjmsr-2231	186	13	person	person	NOUN
bjmsr-2231	186	14	's	's	PART
bjmsr-2231	186	15	level	level	NOUN
bjmsr-2231	186	16	of	of	ADP
bjmsr-2231	186	17	optimism	optimism	NOUN
bjmsr-2231	186	18	over	over	ADP
bjmsr-2231	186	19	the	the	DET
bjmsr-2231	186	20	potential	potential	ADJ
bjmsr-2231	186	21	utility	utility	NOUN
bjmsr-2231	186	22	of	of	ADP
bjmsr-2231	186	23	a	a	DET
bjmsr-2231	186	24	given	give	VERB
bjmsr-2231	186	25	technological	technological	ADJ
bjmsr-2231	186	26	development	development	NOUN
bjmsr-2231	186	27	(	(	PUNCT
bjmsr-2231	186	28	mu	mu	PROPN
bjmsr-2231	186	29	&	&	CCONJ
bjmsr-2231	186	30	lee	lee	PROPN
bjmsr-2231	186	31	,	,	PUNCT
bjmsr-2231	186	32	2017	2017	NUM
bjmsr-2231	186	33	;	;	PUNCT
bjmsr-2231	186	34	qu	qu	PROPN
bjmsr-2231	186	35	et	et	PROPN
bjmsr-2231	186	36	al	al	PROPN
bjmsr-2231	186	37	.	.	PROPN
bjmsr-2231	186	38	,	,	PUNCT
bjmsr-2231	186	39	2015	2015	NUM
bjmsr-2231	186	40	)	)	PUNCT
bjmsr-2231	186	41	.	.	PUNCT
bjmsr-2231	187	1	qu	qu	PROPN
bjmsr-2231	187	2	et	et	PROPN
bjmsr-2231	187	3	al	al	PROPN
bjmsr-2231	187	4	.	.	PROPN
bjmsr-2231	188	1	(	(	PUNCT
bjmsr-2231	188	2	2015	2015	NUM
bjmsr-2231	188	3	)	)	PUNCT
bjmsr-2231	188	4	found	find	VERB
bjmsr-2231	188	5	that	that	SCONJ
bjmsr-2231	188	6	perceived	perceive	VERB
bjmsr-2231	188	7	usefulness	usefulness	NOUN
bjmsr-2231	188	8	plays	play	VERB
bjmsr-2231	188	9	an	an	DET
bjmsr-2231	188	10	important	important	ADJ
bjmsr-2231	188	11	role	role	NOUN
bjmsr-2231	188	12	in	in	ADP
bjmsr-2231	188	13	smpp	smpp	PROPN
bjmsr-2231	188	14	adoption	adoption	NOUN
bjmsr-2231	188	15	.	.	PUNCT
bjmsr-2231	189	1	respondent	respondent	NOUN
bjmsr-2231	189	2	5	5	NUM
bjmsr-2231	189	3	and	and	CCONJ
bjmsr-2231	189	4	7	7	NUM
bjmsr-2231	189	5	discloses	disclose	NOUN
bjmsr-2231	189	6	in	in	ADP
bjmsr-2231	189	7	their	their	PRON
bjmsr-2231	189	8	responses	response	NOUN
bjmsr-2231	189	9	that	that	SCONJ
bjmsr-2231	189	10	perceived	perceive	VERB
bjmsr-2231	189	11	usefulness	usefulness	NOUN
bjmsr-2231	189	12	is	be	AUX
bjmsr-2231	189	13	an	an	DET
bjmsr-2231	189	14	important	important	ADJ
bjmsr-2231	189	15	factor	factor	NOUN
bjmsr-2231	189	16	in	in	ADP
bjmsr-2231	189	17	adoption	adoption	NOUN
bjmsr-2231	189	18	of	of	ADP
bjmsr-2231	189	19	smpp	smpp	PROPN
bjmsr-2231	189	20	.	.	PUNCT
bjmsr-2231	190	1	respondent	respondent	VERB
bjmsr-2231	190	2	5	5	NUM
bjmsr-2231	190	3	specifically	specifically	ADV
bjmsr-2231	190	4	addresses	address	VERB
bjmsr-2231	190	5	this	this	DET
bjmsr-2231	190	6	issue	issue	NOUN
bjmsr-2231	190	7	and	and	CCONJ
bjmsr-2231	190	8	revealed	reveal	VERB
bjmsr-2231	190	9	that	that	SCONJ
bjmsr-2231	190	10	“	"	PUNCT
bjmsr-2231	190	11	i	i	PRON
bjmsr-2231	190	12	feel	feel	VERB
bjmsr-2231	190	13	it	it	PRON
bjmsr-2231	190	14	is	be	AUX
bjmsr-2231	190	15	easy	easy	ADJ
bjmsr-2231	190	16	for	for	SCONJ
bjmsr-2231	190	17	me	i	PRON
bjmsr-2231	190	18	to	to	PART
bjmsr-2231	190	19	use	use	VERB
bjmsr-2231	190	20	and	and	CCONJ
bjmsr-2231	190	21	makes	make	VERB
bjmsr-2231	190	22	it	it	PRON
bjmsr-2231	190	23	easier	easy	ADJ
bjmsr-2231	190	24	for	for	ADP
bjmsr-2231	190	25	me	i	PRON
bjmsr-2231	190	26	when	when	SCONJ
bjmsr-2231	190	27	i	i	PRON
bjmsr-2231	190	28	’m	’m	AUX
bjmsr-2231	190	29	shopping	shop	VERB
bjmsr-2231	190	30	on	on	ADP
bjmsr-2231	190	31	facebook	facebook	PROPN
bjmsr-2231	190	32	and	and	CCONJ
bjmsr-2231	190	33	there	there	PRON
bjmsr-2231	190	34	’s	’	VERB
bjmsr-2231	190	35	no	no	DET
bjmsr-2231	190	36	need	need	NOUN
bjmsr-2231	190	37	to	to	PART
bjmsr-2231	190	38	switch	switch	VERB
bjmsr-2231	190	39	between	between	ADP
bjmsr-2231	190	40	platforms	platform	NOUN
bjmsr-2231	190	41	and	and	CCONJ
bjmsr-2231	190	42	it	it	PRON
bjmsr-2231	190	43	has	have	VERB
bjmsr-2231	190	44	an	an	DET
bjmsr-2231	190	45	in	in	ADP
bjmsr-2231	190	46	-	-	PUNCT
bjmsr-2231	190	47	chat	chat	NOUN
bjmsr-2231	190	48	facility	facility	NOUN
bjmsr-2231	190	49	for	for	ADP
bjmsr-2231	190	50	payment	payment	NOUN
bjmsr-2231	190	51	.	.	PUNCT
bjmsr-2231	191	1	we	we	PRON
bjmsr-2231	191	2	can	can	AUX
bjmsr-2231	191	3	chat	chat	VERB
bjmsr-2231	191	4	and	and	CCONJ
bjmsr-2231	191	5	make	make	VERB
bjmsr-2231	191	6	payments	payment	NOUN
bjmsr-2231	191	7	at	at	ADP
bjmsr-2231	191	8	the	the	DET
bjmsr-2231	191	9	same	same	ADJ
bjmsr-2231	191	10	time	time	NOUN
bjmsr-2231	191	11	”	"	PUNCT
bjmsr-2231	191	12	respectively	respectively	ADV
bjmsr-2231	191	13	.	.	PUNCT
bjmsr-2231	192	1	thus	thus	ADV
bjmsr-2231	192	2	,	,	PUNCT
bjmsr-2231	192	3	from	from	ADP
bjmsr-2231	192	4	the	the	DET
bjmsr-2231	192	5	respondent	respondent	NOUN
bjmsr-2231	192	6	’s	’s	PART
bjmsr-2231	192	7	responses	response	NOUN
bjmsr-2231	192	8	,	,	PUNCT
bjmsr-2231	192	9	we	we	PRON
bjmsr-2231	192	10	conclude	conclude	VERB
bjmsr-2231	192	11	that	that	SCONJ
bjmsr-2231	192	12	perceived	perceive	VERB
bjmsr-2231	192	13	usefulness	usefulness	NOUN
bjmsr-2231	192	14	plays	play	VERB
bjmsr-2231	192	15	a	a	DET
bjmsr-2231	192	16	crucial	crucial	ADJ
bjmsr-2231	192	17	role	role	NOUN
bjmsr-2231	192	18	in	in	ADP
bjmsr-2231	192	19	the	the	DET
bjmsr-2231	192	20	adoption	adoption	NOUN
bjmsr-2231	192	21	of	of	ADP
bjmsr-2231	192	22	smpp	smpp	PROPN
bjmsr-2231	192	23	.	.	PUNCT
bjmsr-2231	193	1	perceived	perceive	VERB
bjmsr-2231	193	2	ease	ease	NOUN
bjmsr-2231	193	3	of	of	ADP
bjmsr-2231	193	4	use	use	NOUN
bjmsr-2231	193	5	tavera	tavera	NOUN
bjmsr-2231	193	6	-	-	PUNCT
bjmsr-2231	193	7	mesías	mesías	NOUN
bjmsr-2231	193	8	et	et	PROPN
bjmsr-2231	193	9	al	al	PROPN
bjmsr-2231	193	10	.	.	PROPN
bjmsr-2231	194	1	(	(	PUNCT
bjmsr-2231	194	2	2023	2023	NUM
bjmsr-2231	194	3	)	)	PUNCT
bjmsr-2231	194	4	found	find	VERB
bjmsr-2231	194	5	that	that	SCONJ
bjmsr-2231	194	6	perceived	perceive	VERB
bjmsr-2231	194	7	ease	ease	NOUN
bjmsr-2231	194	8	of	of	ADP
bjmsr-2231	194	9	use	use	NOUN
bjmsr-2231	194	10	influences	influence	VERB
bjmsr-2231	194	11	the	the	DET
bjmsr-2231	194	12	usage	usage	NOUN
bjmsr-2231	194	13	as	as	ADV
bjmsr-2231	194	14	well	well	ADV
bjmsr-2231	194	15	as	as	ADP
bjmsr-2231	194	16	adoption	adoption	NOUN
bjmsr-2231	194	17	of	of	ADP
bjmsr-2231	194	18	smpp	smpp	PROPN
bjmsr-2231	194	19	.	.	PUNCT
bjmsr-2231	195	1	another	another	DET
bjmsr-2231	195	2	important	important	ADJ
bjmsr-2231	195	3	issues	issue	NOUN
bjmsr-2231	195	4	that	that	PRON
bjmsr-2231	195	5	affect	affect	VERB
bjmsr-2231	195	6	the	the	DET
bjmsr-2231	195	7	social	social	ADJ
bjmsr-2231	195	8	media	medium	NOUN
bjmsr-2231	195	9	payment	payment	NOUN
bjmsr-2231	195	10	is	be	AUX
bjmsr-2231	195	11	that	that	SCONJ
bjmsr-2231	195	12	public	public	ADJ
bjmsr-2231	195	13	awareness	awareness	NOUN
bjmsr-2231	195	14	about	about	ADP
bjmsr-2231	195	15	adoption	adoption	NOUN
bjmsr-2231	195	16	and	and	CCONJ
bjmsr-2231	195	17	usage	usage	NOUN
bjmsr-2231	195	18	.	.	PUNCT
bjmsr-2231	196	1	the	the	DET
bjmsr-2231	196	2	response	response	NOUN
bjmsr-2231	196	3	of	of	ADP
bjmsr-2231	196	4	respondent	respondent	NOUN
bjmsr-2231	196	5	3	3	NUM
bjmsr-2231	196	6	goes	go	VERB
bjmsr-2231	196	7	like	like	ADP
bjmsr-2231	196	8	,	,	PUNCT
bjmsr-2231	196	9	“	"	PUNCT
bjmsr-2231	196	10	yes	yes	INTJ
bjmsr-2231	196	11	,	,	PUNCT
bjmsr-2231	196	12	i	i	PRON
bjmsr-2231	196	13	feel	feel	VERB
bjmsr-2231	196	14	it	it	PRON
bjmsr-2231	196	15	is	be	AUX
bjmsr-2231	196	16	easy	easy	ADJ
bjmsr-2231	196	17	for	for	SCONJ
bjmsr-2231	196	18	me	i	PRON
bjmsr-2231	196	19	to	to	PART
bjmsr-2231	196	20	use	use	VERB
bjmsr-2231	196	21	and	and	CCONJ
bjmsr-2231	196	22	convenient	convenient	ADJ
bjmsr-2231	196	23	,	,	PUNCT
bjmsr-2231	196	24	and	and	CCONJ
bjmsr-2231	196	25	we	we	PRON
bjmsr-2231	196	26	can	can	AUX
bjmsr-2231	196	27	chat	chat	VERB
bjmsr-2231	196	28	and	and	CCONJ
bjmsr-2231	196	29	make	make	VERB
bjmsr-2231	196	30	payments	payment	NOUN
bjmsr-2231	196	31	at	at	ADP
bjmsr-2231	196	32	the	the	DET
bjmsr-2231	196	33	same	same	ADJ
bjmsr-2231	196	34	time	time	NOUN
bjmsr-2231	196	35	,	,	PUNCT
bjmsr-2231	196	36	qr	qr	NOUN
bjmsr-2231	196	37	automatically	automatically	ADV
bjmsr-2231	196	38	gets	get	AUX
bjmsr-2231	196	39	scanned	scan	VERB
bjmsr-2231	196	40	”	"	PUNCT
bjmsr-2231	196	41	and	and	CCONJ
bjmsr-2231	196	42	response	response	NOUN
bjmsr-2231	196	43	of	of	ADP
bjmsr-2231	196	44	respondent	respondent	NOUN
bjmsr-2231	196	45	1	1	NUM
bjmsr-2231	196	46	describe	describe	VERB
bjmsr-2231	196	47	their	their	PRON
bjmsr-2231	196	48	responses	response	NOUN
bjmsr-2231	196	49	as	as	ADP
bjmsr-2231	196	50	,	,	PUNCT
bjmsr-2231	196	51	“	"	PUNCT
bjmsr-2231	196	52	yes	yes	INTJ
bjmsr-2231	196	53	,	,	PUNCT
bjmsr-2231	196	54	i	i	PRON
bjmsr-2231	196	55	feel	feel	VERB
bjmsr-2231	196	56	it	it	PRON
bjmsr-2231	196	57	is	be	AUX
bjmsr-2231	196	58	easy	easy	ADJ
bjmsr-2231	196	59	for	for	SCONJ
bjmsr-2231	196	60	me	i	PRON
bjmsr-2231	196	61	to	to	PART
bjmsr-2231	196	62	use	use	VERB
bjmsr-2231	196	63	as	as	SCONJ
bjmsr-2231	196	64	i	i	PRON
bjmsr-2231	196	65	am	be	AUX
bjmsr-2231	196	66	already	already	ADV
bjmsr-2231	196	67	well	well	ADV
bjmsr-2231	196	68	acquainted	acquaint	VERB
bjmsr-2231	196	69	with	with	ADP
bjmsr-2231	196	70	how	how	SCONJ
bjmsr-2231	196	71	social	social	ADJ
bjmsr-2231	196	72	media	media	NOUN
bjmsr-2231	196	73	platforms	platform	NOUN
bjmsr-2231	196	74	work	work	VERB
bjmsr-2231	196	75	”	"	PUNCT
bjmsr-2231	196	76	.	.	PUNCT
bjmsr-2231	197	1	from	from	ADP
bjmsr-2231	197	2	the	the	DET
bjmsr-2231	197	3	respondent	respondent	NOUN
bjmsr-2231	197	4	’s	’s	PART
bjmsr-2231	197	5	response	response	NOUN
bjmsr-2231	197	6	,	,	PUNCT
bjmsr-2231	197	7	we	we	PRON
bjmsr-2231	197	8	can	can	AUX
bjmsr-2231	197	9	see	see	VERB
bjmsr-2231	197	10	that	that	SCONJ
bjmsr-2231	197	11	the	the	DET
bjmsr-2231	197	12	respondent	respondent	NOUN
bjmsr-2231	197	13	can	can	AUX
bjmsr-2231	197	14	easily	easily	ADV
bjmsr-2231	197	15	use	use	VERB
bjmsr-2231	197	16	smpp	smpp	NOUN
bjmsr-2231	197	17	but	but	CCONJ
bjmsr-2231	197	18	security	security	NOUN
bjmsr-2231	197	19	concerns	concern	NOUN
bjmsr-2231	197	20	refrain	refrain	VERB
bjmsr-2231	197	21	the	the	DET
bjmsr-2231	197	22	user	user	NOUN
bjmsr-2231	197	23	from	from	ADP
bjmsr-2231	197	24	using	use	VERB
bjmsr-2231	197	25	it	it	PRON
bjmsr-2231	197	26	.	.	PUNCT
bjmsr-2231	198	1	vulnerability	vulnerability	NOUN
bjmsr-2231	198	2	to	to	PART
bjmsr-2231	198	3	risk	risk	VERB
bjmsr-2231	198	4	the	the	DET
bjmsr-2231	198	5	major	major	ADJ
bjmsr-2231	198	6	problem	problem	NOUN
bjmsr-2231	198	7	to	to	PART
bjmsr-2231	198	8	avoid	avoid	VERB
bjmsr-2231	198	9	the	the	DET
bjmsr-2231	198	10	adoption	adoption	NOUN
bjmsr-2231	198	11	of	of	ADP
bjmsr-2231	198	12	smpp	smpp	PROPN
bjmsr-2231	198	13	is	be	AUX
bjmsr-2231	198	14	the	the	DET
bjmsr-2231	198	15	risk	risk	NOUN
bjmsr-2231	198	16	and	and	CCONJ
bjmsr-2231	198	17	security	security	NOUN
bjmsr-2231	198	18	of	of	ADP
bjmsr-2231	198	19	the	the	DET
bjmsr-2231	198	20	user	user	NOUN
bjmsr-2231	198	21	.	.	PUNCT
bjmsr-2231	199	1	the	the	DET
bjmsr-2231	199	2	user	user	NOUN
bjmsr-2231	199	3	does	do	AUX
bjmsr-2231	199	4	not	not	PART
bjmsr-2231	199	5	want	want	VERB
bjmsr-2231	199	6	to	to	PART
bjmsr-2231	199	7	take	take	VERB
bjmsr-2231	199	8	the	the	DET
bjmsr-2231	199	9	risk	risk	NOUN
bjmsr-2231	199	10	due	due	ADP
bjmsr-2231	199	11	to	to	ADP
bjmsr-2231	199	12	payment	payment	NOUN
bjmsr-2231	199	13	failure	failure	NOUN
bjmsr-2231	199	14	,	,	PUNCT
bjmsr-2231	199	15	privacy	privacy	NOUN
bjmsr-2231	199	16	of	of	ADP
bjmsr-2231	199	17	their	their	PRON
bjmsr-2231	199	18	data	datum	NOUN
bjmsr-2231	199	19	,	,	PUNCT
bjmsr-2231	199	20	and	and	CCONJ
bjmsr-2231	199	21	fraud	fraud	NOUN
bjmsr-2231	199	22	that	that	PRON
bjmsr-2231	199	23	occurs	occur	VERB
bjmsr-2231	199	24	due	due	ADJ
bjmsr-2231	199	25	to	to	ADP
bjmsr-2231	199	26	smpps	smpps	PROPN
bjmsr-2231	199	27	.	.	PUNCT
bjmsr-2231	200	1	there	there	PRON
bjmsr-2231	200	2	is	be	VERB
bjmsr-2231	200	3	various	various	ADJ
bjmsr-2231	200	4	risk	risk	NOUN
bjmsr-2231	200	5	which	which	PRON
bjmsr-2231	200	6	influence	influence	VERB
bjmsr-2231	200	7	the	the	DET
bjmsr-2231	200	8	user	user	NOUN
bjmsr-2231	200	9	to	to	PART
bjmsr-2231	200	10	use	use	VERB
bjmsr-2231	200	11	the	the	DET
bjmsr-2231	200	12	smpps	smpp	NOUN
bjmsr-2231	200	13	such	such	ADJ
bjmsr-2231	200	14	as	as	ADP
bjmsr-2231	200	15	transaction	transaction	NOUN
bjmsr-2231	200	16	with	with	ADP
bjmsr-2231	200	17	bitcoins	bitcoin	NOUN
bjmsr-2231	200	18	on	on	ADP
bjmsr-2231	200	19	the	the	DET
bjmsr-2231	200	20	facebook	facebook	PROPN
bjmsr-2231	200	21	pay	pay	NOUN
bjmsr-2231	200	22	platform	platform	NOUN
bjmsr-2231	200	23	is	be	AUX
bjmsr-2231	200	24	quite	quite	ADV
bjmsr-2231	200	25	risky	risky	ADJ
bjmsr-2231	200	26	.	.	PUNCT
bjmsr-2231	201	1	the	the	DET
bjmsr-2231	201	2	respondent	respondent	NOUN
bjmsr-2231	201	3	2	2	NUM
bjmsr-2231	201	4	seems	seem	VERB
bjmsr-2231	201	5	to	to	PART
bjmsr-2231	201	6	be	be	AUX
bjmsr-2231	201	7	very	very	ADV
bjmsr-2231	201	8	cautious	cautious	ADJ
bjmsr-2231	201	9	on	on	ADP
bjmsr-2231	201	10	this	this	DET
bjmsr-2231	201	11	aspect	aspect	NOUN
bjmsr-2231	201	12	and	and	CCONJ
bjmsr-2231	201	13	he	he	PRON
bjmsr-2231	201	14	went	go	VERB
bjmsr-2231	201	15	on	on	ADP
bjmsr-2231	201	16	to	to	PART
bjmsr-2231	201	17	describe	describe	VERB
bjmsr-2231	201	18	the	the	DET
bjmsr-2231	201	19	phenomenon	phenomenon	NOUN
bjmsr-2231	201	20	as	as	ADP
bjmsr-2231	201	21	,	,	PUNCT
bjmsr-2231	201	22	“	"	PUNCT
bjmsr-2231	201	23	the	the	DET
bjmsr-2231	201	24	risk	risk	NOUN
bjmsr-2231	201	25	is	be	AUX
bjmsr-2231	201	26	losing	lose	VERB
bjmsr-2231	201	27	your	your	PRON
bjmsr-2231	201	28	money	money	NOUN
bjmsr-2231	201	29	and	and	CCONJ
bjmsr-2231	201	30	anybody	anybody	PRON
bjmsr-2231	201	31	can	can	AUX
bjmsr-2231	201	32	just	just	ADV
bjmsr-2231	201	33	hack	hack	VERB
bjmsr-2231	201	34	your	your	PRON
bjmsr-2231	201	35	account	account	NOUN
bjmsr-2231	201	36	as	as	SCONJ
bjmsr-2231	201	37	i	i	PRON
bjmsr-2231	201	38	am	be	AUX
bjmsr-2231	201	39	aware	aware	ADJ
bjmsr-2231	201	40	of	of	ADP
bjmsr-2231	201	41	some	some	DET
bjmsr-2231	201	42	incident	incident	NOUN
bjmsr-2231	201	43	that	that	PRON
bjmsr-2231	201	44	happened	happen	VERB
bjmsr-2231	201	45	with	with	ADP
bjmsr-2231	201	46	a	a	DET
bjmsr-2231	201	47	friend	friend	NOUN
bjmsr-2231	201	48	so	so	SCONJ
bjmsr-2231	201	49	anything	anything	PRON
bjmsr-2231	201	50	can	can	AUX
bjmsr-2231	201	51	happen	happen	VERB
bjmsr-2231	201	52	”	"	PUNCT
bjmsr-2231	201	53	.	.	PUNCT
bjmsr-2231	202	1	there	there	PRON
bjmsr-2231	202	2	are	be	VERB
bjmsr-2231	202	3	three	three	NUM
bjmsr-2231	202	4	important	important	ADJ
bjmsr-2231	202	5	aspects	aspect	NOUN
bjmsr-2231	202	6	of	of	ADP
bjmsr-2231	202	7	vulnerability	vulnerability	NOUN
bjmsr-2231	202	8	of	of	ADP
bjmsr-2231	202	9	risk	risk	NOUN
bjmsr-2231	202	10	which	which	PRON
bjmsr-2231	202	11	are	be	AUX
bjmsr-2231	202	12	explained	explain	VERB
bjmsr-2231	202	13	below	below	ADV
bjmsr-2231	202	14	:	:	PUNCT
bjmsr-2231	202	15	security	security	NOUN
bjmsr-2231	202	16	safety	safety	NOUN
bjmsr-2231	202	17	and	and	CCONJ
bjmsr-2231	202	18	security	security	NOUN
bjmsr-2231	202	19	can	can	AUX
bjmsr-2231	202	20	be	be	AUX
bjmsr-2231	202	21	defined	define	VERB
bjmsr-2231	202	22	as	as	ADP
bjmsr-2231	202	23	avoiding	avoid	VERB
bjmsr-2231	202	24	potential	potential	ADJ
bjmsr-2231	202	25	dangers	danger	NOUN
bjmsr-2231	202	26	,	,	PUNCT
bjmsr-2231	202	27	whether	whether	SCONJ
bjmsr-2231	202	28	those	those	DET
bjmsr-2231	202	29	dangers	danger	NOUN
bjmsr-2231	202	30	originate	originate	VERB
bjmsr-2231	202	31	in	in	ADP
bjmsr-2231	202	32	the	the	DET
bjmsr-2231	202	33	environment	environment	NOUN
bjmsr-2231	202	34	or	or	CCONJ
bjmsr-2231	202	35	are	be	AUX
bjmsr-2231	202	36	the	the	DET
bjmsr-2231	202	37	result	result	NOUN
bjmsr-2231	202	38	of	of	ADP
bjmsr-2231	202	39	human	human	ADJ
bjmsr-2231	202	40	actions	action	NOUN
bjmsr-2231	202	41	(	(	PUNCT
bjmsr-2231	202	42	miraz	miraz	PROPN
bjmsr-2231	202	43	&	&	CCONJ
bjmsr-2231	202	44	haikel	haikel	NOUN
bjmsr-2231	202	45	-	-	PUNCT
bjmsr-2231	202	46	elsabeh	elsabeh	NOUN
bjmsr-2231	202	47	,	,	PUNCT
bjmsr-2231	202	48	2019	2019	NUM
bjmsr-2231	202	49	;	;	PUNCT
bjmsr-2231	202	50	tang	tang	X
bjmsr-2231	202	51	et	et	PROPN
bjmsr-2231	202	52	al	al	PROPN
bjmsr-2231	202	53	.	.	PROPN
bjmsr-2231	202	54	,	,	PUNCT
bjmsr-2231	202	55	2021	2021	NUM
bjmsr-2231	202	56	)	)	PUNCT
bjmsr-2231	202	57	.	.	PUNCT
bjmsr-2231	203	1	people	people	NOUN
bjmsr-2231	203	2	usually	usually	ADV
bjmsr-2231	203	3	avoid	avoid	VERB
bjmsr-2231	203	4	adopting	adopt	VERB
bjmsr-2231	203	5	smpps	smpp	NOUN
bjmsr-2231	203	6	due	due	ADP
bjmsr-2231	203	7	to	to	ADP
bjmsr-2231	203	8	privacy	privacy	NOUN
bjmsr-2231	203	9	concerns	concern	NOUN
bjmsr-2231	203	10	.	.	PUNCT
bjmsr-2231	204	1	response	response	NOUN
bjmsr-2231	204	2	from	from	ADP
bjmsr-2231	204	3	respondent	respondent	NOUN
bjmsr-2231	204	4	7	7	NUM
bjmsr-2231	204	5	in	in	ADP
bjmsr-2231	204	6	this	this	DET
bjmsr-2231	204	7	respect	respect	NOUN
bjmsr-2231	204	8	is	be	AUX
bjmsr-2231	204	9	worth	worth	ADJ
bjmsr-2231	204	10	mentioning	mention	VERB
bjmsr-2231	204	11	“	"	PUNCT
bjmsr-2231	204	12	security	security	NOUN
bjmsr-2231	204	13	and	and	CCONJ
bjmsr-2231	204	14	privacy	privacy	NOUN
bjmsr-2231	204	15	issue	issue	NOUN
bjmsr-2231	204	16	,	,	PUNCT
bjmsr-2231	204	17	server	server	NOUN
bjmsr-2231	204	18	issues	issue	NOUN
bjmsr-2231	204	19	are	be	AUX
bjmsr-2231	204	20	quite	quite	ADV
bjmsr-2231	204	21	common	common	ADJ
bjmsr-2231	204	22	”	"	PUNCT
bjmsr-2231	204	23	.	.	PUNCT
bjmsr-2231	205	1	from	from	ADP
bjmsr-2231	205	2	the	the	DET
bjmsr-2231	205	3	response	response	NOUN
bjmsr-2231	205	4	,	,	PUNCT
bjmsr-2231	205	5	we	we	PRON
bjmsr-2231	205	6	can	can	AUX
bjmsr-2231	205	7	say	say	VERB
bjmsr-2231	205	8	that	that	SCONJ
bjmsr-2231	205	9	in	in	ADP
bjmsr-2231	205	10	u.p	u.p	PROPN
bjmsr-2231	205	11	is	be	AUX
bjmsr-2231	205	12	prone	prone	ADJ
bjmsr-2231	205	13	to	to	ADP
bjmsr-2231	205	14	fraud	fraud	VERB
bjmsr-2231	205	15	and	and	CCONJ
bjmsr-2231	205	16	scams	scam	NOUN
bjmsr-2231	205	17	and	and	CCONJ
bjmsr-2231	205	18	this	this	PRON
bjmsr-2231	205	19	refrains	refrain	VERB
bjmsr-2231	205	20	the	the	DET
bjmsr-2231	205	21	user	user	NOUN
bjmsr-2231	205	22	from	from	ADP
bjmsr-2231	205	23	adopting	adopt	VERB
bjmsr-2231	205	24	the	the	DET
bjmsr-2231	205	25	smpps	smpp	NOUN
bjmsr-2231	205	26	(	(	PUNCT
bjmsr-2231	205	27	rohilla	rohilla	NOUN
bjmsr-2231	205	28	,	,	PUNCT
bjmsr-2231	205	29	2017	2017	NUM
bjmsr-2231	205	30	)	)	PUNCT
bjmsr-2231	205	31	.	.	PUNCT
bjmsr-2231	206	1	privacy	privacy	NOUN
bjmsr-2231	206	2	privacy	privacy	NOUN
bjmsr-2231	206	3	is	be	AUX
bjmsr-2231	206	4	a	a	DET
bjmsr-2231	206	5	crucial	crucial	ADJ
bjmsr-2231	206	6	factor	factor	NOUN
bjmsr-2231	206	7	to	to	PART
bjmsr-2231	206	8	consider	consider	VERB
bjmsr-2231	206	9	while	while	SCONJ
bjmsr-2231	206	10	conducting	conduct	VERB
bjmsr-2231	206	11	financial	financial	ADJ
bjmsr-2231	206	12	transactions	transaction	NOUN
bjmsr-2231	206	13	in	in	ADP
bjmsr-2231	206	14	well	well	ADV
bjmsr-2231	206	15	-	-	PUNCT
bjmsr-2231	206	16	lit	light	VERB
bjmsr-2231	206	17	environments	environment	NOUN
bjmsr-2231	206	18	.	.	PUNCT
bjmsr-2231	207	1	safety	safety	NOUN
bjmsr-2231	207	2	and	and	CCONJ
bjmsr-2231	207	3	security	security	NOUN
bjmsr-2231	207	4	features	feature	NOUN
bjmsr-2231	207	5	help	help	VERB
bjmsr-2231	207	6	social	social	ADJ
bjmsr-2231	207	7	media	medium	NOUN
bjmsr-2231	207	8	users	user	NOUN
bjmsr-2231	207	9	to	to	PART
bjmsr-2231	207	10	switch	switch	VERB
bjmsr-2231	207	11	from	from	ADP
bjmsr-2231	207	12	upi	upi	PROPN
bjmsr-2231	207	13	apps	app	NOUN
bjmsr-2231	207	14	to	to	ADP
bjmsr-2231	207	15	smpps	smpp	NOUN
bjmsr-2231	207	16	to	to	PART
bjmsr-2231	207	17	use	use	VERB
bjmsr-2231	207	18	on	on	ADP
bjmsr-2231	207	19	regular	regular	ADJ
bjmsr-2231	207	20	basis	basis	NOUN
bjmsr-2231	207	21	.	.	PUNCT
bjmsr-2231	208	1	miraz	miraz	NOUN
bjmsr-2231	208	2	and	and	CCONJ
bjmsr-2231	208	3	haikel	haikel	NOUN
bjmsr-2231	208	4	-	-	PUNCT
bjmsr-2231	208	5	elsabeh	elsabeh	NOUN
bjmsr-2231	208	6	(	(	PUNCT
bjmsr-2231	208	7	2019	2019	NUM
bjmsr-2231	208	8	)	)	PUNCT
bjmsr-2231	208	9	highlights	highlight	NOUN
bjmsr-2231	208	10	that	that	SCONJ
bjmsr-2231	208	11	privacy	privacy	NOUN
bjmsr-2231	208	12	concerns	concern	NOUN
bjmsr-2231	208	13	were	be	AUX
bjmsr-2231	208	14	one	one	NUM
bjmsr-2231	208	15	of	of	ADP
bjmsr-2231	208	16	the	the	DET
bjmsr-2231	208	17	major	major	ADJ
bjmsr-2231	208	18	issues	issue	NOUN
bjmsr-2231	208	19	.	.	PUNCT
bjmsr-2231	209	1	response	response	NOUN
bjmsr-2231	209	2	from	from	ADP
bjmsr-2231	209	3	respondent	respondent	NOUN
bjmsr-2231	209	4	8	8	NUM
bjmsr-2231	209	5	and	and	CCONJ
bjmsr-2231	209	6	11	11	NUM
bjmsr-2231	209	7	describe	describe	VERB
bjmsr-2231	209	8	privacy	privacy	NOUN
bjmsr-2231	209	9	concern	concern	NOUN
bjmsr-2231	209	10	pandey	pandey	PROPN
bjmsr-2231	209	11	et	et	PROPN
bjmsr-2231	209	12	al	al	PROPN
bjmsr-2231	209	13	.	.	PROPN
bjmsr-2231	209	14	,	,	PUNCT
bjmsr-2231	209	15	bangladesh	bangladesh	PROPN
bjmsr-2231	209	16	journal	journal	NOUN
bjmsr-2231	209	17	of	of	ADP
bjmsr-2231	209	18	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	209	19	scientific	scientific	ADJ
bjmsr-2231	209	20	research	research	NOUN
bjmsr-2231	209	21	9(3	9(3	NUM
bjmsr-2231	209	22	)	)	PUNCT
bjmsr-2231	209	23	(	(	PUNCT
bjmsr-2231	209	24	2024	2024	NUM
bjmsr-2231	209	25	)	)	PUNCT
bjmsr-2231	209	26	,	,	PUNCT
bjmsr-2231	209	27	33	33	NUM
bjmsr-2231	209	28	-	-	SYM
bjmsr-2231	209	29	41	41	NUM
bjmsr-2231	209	30	38	38	NUM
bjmsr-2231	209	31	is	be	AUX
bjmsr-2231	209	32	a	a	DET
bjmsr-2231	209	33	serious	serious	ADJ
bjmsr-2231	209	34	concern	concern	NOUN
bjmsr-2231	209	35	when	when	SCONJ
bjmsr-2231	209	36	we	we	PRON
bjmsr-2231	209	37	talk	talk	VERB
bjmsr-2231	209	38	about	about	ADP
bjmsr-2231	209	39	smpp	smpp	PROPN
bjmsr-2231	209	40	adoption	adoption	NOUN
bjmsr-2231	209	41	.	.	PUNCT
bjmsr-2231	210	1	it	it	PRON
bjmsr-2231	210	2	goes	go	VERB
bjmsr-2231	210	3	as	as	SCONJ
bjmsr-2231	210	4	follows	follow	VERB
bjmsr-2231	210	5	“	"	PUNCT
bjmsr-2231	210	6	privacy	privacy	NOUN
bjmsr-2231	210	7	concerns	concern	NOUN
bjmsr-2231	210	8	,	,	PUNCT
bjmsr-2231	210	9	cybercrime	cybercrime	NOUN
bjmsr-2231	210	10	,	,	PUNCT
bjmsr-2231	210	11	fraud	fraud	NOUN
bjmsr-2231	210	12	,	,	PUNCT
bjmsr-2231	210	13	and	and	CCONJ
bjmsr-2231	210	14	scams	scam	VERB
bjmsr-2231	210	15	lack	lack	NOUN
bjmsr-2231	210	16	of	of	ADP
bjmsr-2231	210	17	trust	trust	NOUN
bjmsr-2231	210	18	and	and	CCONJ
bjmsr-2231	210	19	fear	fear	NOUN
bjmsr-2231	210	20	of	of	ADP
bjmsr-2231	210	21	leak	leak	NOUN
bjmsr-2231	210	22	of	of	ADP
bjmsr-2231	210	23	private	private	ADJ
bjmsr-2231	210	24	financial	financial	ADJ
bjmsr-2231	210	25	data	datum	NOUN
bjmsr-2231	210	26	”	"	PUNCT
bjmsr-2231	210	27	.	.	PUNCT
bjmsr-2231	211	1	el	el	PROPN
bjmsr-2231	211	2	haddad	haddad	PROPN
bjmsr-2231	211	3	et	et	PROPN
bjmsr-2231	211	4	al	al	PROPN
bjmsr-2231	211	5	.	.	PROPN
bjmsr-2231	212	1	(	(	PUNCT
bjmsr-2231	212	2	2018	2018	NUM
bjmsr-2231	212	3	)	)	PUNCT
bjmsr-2231	212	4	found	find	VERB
bjmsr-2231	212	5	that	that	SCONJ
bjmsr-2231	212	6	privacy	privacy	NOUN
bjmsr-2231	212	7	concern	concern	NOUN
bjmsr-2231	212	8	plays	play	VERB
bjmsr-2231	212	9	an	an	DET
bjmsr-2231	212	10	important	important	ADJ
bjmsr-2231	212	11	role	role	NOUN
bjmsr-2231	212	12	in	in	ADP
bjmsr-2231	212	13	evaluating	evaluate	VERB
bjmsr-2231	212	14	the	the	DET
bjmsr-2231	212	15	behaviour	behaviour	NOUN
bjmsr-2231	212	16	intention	intention	NOUN
bjmsr-2231	212	17	of	of	ADP
bjmsr-2231	212	18	smpp	smpp	PROPN
bjmsr-2231	212	19	users	user	NOUN
bjmsr-2231	212	20	.	.	PUNCT
bjmsr-2231	213	1	platform	platform	NOUN
bjmsr-2231	213	2	feature	feature	NOUN
bjmsr-2231	213	3	platform	platform	NOUN
bjmsr-2231	213	4	features	feature	NOUN
bjmsr-2231	213	5	such	such	ADJ
bjmsr-2231	213	6	as	as	ADP
bjmsr-2231	213	7	the	the	DET
bjmsr-2231	213	8	interface	interface	NOUN
bjmsr-2231	213	9	for	for	ADP
bjmsr-2231	213	10	payment	payment	NOUN
bjmsr-2231	213	11	,	,	PUNCT
bjmsr-2231	213	12	interactive	interactive	ADJ
bjmsr-2231	213	13	internet	internet	NOUN
bjmsr-2231	213	14	facility	facility	NOUN
bjmsr-2231	213	15	as	as	ADV
bjmsr-2231	213	16	well	well	ADV
bjmsr-2231	213	17	as	as	ADP
bjmsr-2231	213	18	in	in	ADP
bjmsr-2231	213	19	-	-	PUNCT
bjmsr-2231	213	20	chat	chat	NOUN
bjmsr-2231	213	21	facility	facility	NOUN
bjmsr-2231	213	22	on	on	ADP
bjmsr-2231	213	23	the	the	DET
bjmsr-2231	213	24	same	same	ADJ
bjmsr-2231	213	25	social	social	ADJ
bjmsr-2231	213	26	media	medium	NOUN
bjmsr-2231	213	27	app	app	NOUN
bjmsr-2231	213	28	(	(	PUNCT
bjmsr-2231	213	29	li	li	PROPN
bjmsr-2231	213	30	et	et	PROPN
bjmsr-2231	213	31	al	al	PROPN
bjmsr-2231	213	32	.	.	PROPN
bjmsr-2231	213	33	,	,	PUNCT
bjmsr-2231	213	34	2023	2023	NUM
bjmsr-2231	213	35	)	)	PUNCT
bjmsr-2231	213	36	.	.	PUNCT
bjmsr-2231	214	1	one	one	NUM
bjmsr-2231	214	2	of	of	ADP
bjmsr-2231	214	3	the	the	DET
bjmsr-2231	214	4	major	major	ADJ
bjmsr-2231	214	5	issues	issue	NOUN
bjmsr-2231	214	6	users	user	NOUN
bjmsr-2231	214	7	face	face	VERB
bjmsr-2231	214	8	while	while	SCONJ
bjmsr-2231	214	9	transacting	transact	VERB
bjmsr-2231	214	10	through	through	ADP
bjmsr-2231	214	11	smpps	smpp	NOUN
bjmsr-2231	214	12	is	be	AUX
bjmsr-2231	214	13	payment	payment	NOUN
bjmsr-2231	214	14	failure	failure	NOUN
bjmsr-2231	214	15	(	(	PUNCT
bjmsr-2231	214	16	sun	sun	NOUN
bjmsr-2231	214	17	et	et	PROPN
bjmsr-2231	214	18	al	al	PROPN
bjmsr-2231	214	19	.	.	PROPN
bjmsr-2231	214	20	,	,	PUNCT
bjmsr-2231	214	21	2021	2021	NUM
bjmsr-2231	214	22	)	)	PUNCT
bjmsr-2231	214	23	.	.	PUNCT
bjmsr-2231	215	1	thus	thus	ADV
bjmsr-2231	215	2	,	,	PUNCT
bjmsr-2231	215	3	the	the	DET
bjmsr-2231	215	4	payment	payment	NOUN
bjmsr-2231	215	5	feature	feature	NOUN
bjmsr-2231	215	6	can	can	AUX
bjmsr-2231	215	7	also	also	ADV
bjmsr-2231	215	8	be	be	AUX
bjmsr-2231	215	9	used	use	VERB
bjmsr-2231	215	10	for	for	ADP
bjmsr-2231	215	11	analysing	analyse	VERB
bjmsr-2231	215	12	the	the	DET
bjmsr-2231	215	13	user	user	NOUN
bjmsr-2231	215	14	’s	’s	PART
bjmsr-2231	215	15	behaviour	behaviour	NOUN
bjmsr-2231	215	16	and	and	CCONJ
bjmsr-2231	215	17	smpp	smpp	PROPN
bjmsr-2231	215	18	adoption	adoption	NOUN
bjmsr-2231	215	19	.	.	PUNCT
bjmsr-2231	216	1	we	we	PRON
bjmsr-2231	216	2	used	use	VERB
bjmsr-2231	216	3	the	the	DET
bjmsr-2231	216	4	thematic	thematic	ADJ
bjmsr-2231	216	5	analysis	analysis	NOUN
bjmsr-2231	216	6	to	to	PART
bjmsr-2231	216	7	evaluate	evaluate	VERB
bjmsr-2231	216	8	the	the	DET
bjmsr-2231	216	9	respondent	respondent	NOUN
bjmsr-2231	216	10	responses	response	NOUN
bjmsr-2231	216	11	and	and	CCONJ
bjmsr-2231	216	12	based	base	VERB
bjmsr-2231	216	13	on	on	ADP
bjmsr-2231	216	14	the	the	DET
bjmsr-2231	216	15	responses	response	NOUN
bjmsr-2231	216	16	we	we	PRON
bjmsr-2231	216	17	bifurcated	bifurcate	VERB
bjmsr-2231	216	18	several	several	ADJ
bjmsr-2231	216	19	themes	theme	NOUN
bjmsr-2231	216	20	.	.	PUNCT
bjmsr-2231	217	1	here	here	ADV
bjmsr-2231	217	2	,	,	PUNCT
bjmsr-2231	217	3	the	the	DET
bjmsr-2231	217	4	responses	response	NOUN
bjmsr-2231	217	5	of	of	ADP
bjmsr-2231	217	6	respondent	respondent	NOUN
bjmsr-2231	217	7	9	9	NUM
bjmsr-2231	217	8	and	and	CCONJ
bjmsr-2231	217	9	10	10	NUM
bjmsr-2231	217	10	goes	go	VERB
bjmsr-2231	217	11	like	like	ADP
bjmsr-2231	217	12	that	that	PRON
bjmsr-2231	217	13	,	,	PUNCT
bjmsr-2231	217	14	“	"	PUNCT
bjmsr-2231	217	15	the	the	DET
bjmsr-2231	217	16	risk	risk	NOUN
bjmsr-2231	217	17	of	of	ADP
bjmsr-2231	217	18	payment	payment	NOUN
bjmsr-2231	217	19	failure	failure	NOUN
bjmsr-2231	217	20	multiplies	multiplie	NOUN
bjmsr-2231	217	21	as	as	SCONJ
bjmsr-2231	217	22	we	we	PRON
bjmsr-2231	217	23	are	be	AUX
bjmsr-2231	217	24	using	use	VERB
bjmsr-2231	217	25	the	the	DET
bjmsr-2231	217	26	social	social	ADJ
bjmsr-2231	217	27	media	medium	NOUN
bjmsr-2231	217	28	platform	platform	NOUN
bjmsr-2231	217	29	for	for	ADP
bjmsr-2231	217	30	transactions	transaction	NOUN
bjmsr-2231	217	31	”	"	PUNCT
bjmsr-2231	217	32	and	and	CCONJ
bjmsr-2231	217	33	“	"	PUNCT
bjmsr-2231	217	34	the	the	DET
bjmsr-2231	217	35	facility	facility	NOUN
bjmsr-2231	217	36	of	of	ADP
bjmsr-2231	217	37	balance	balance	NOUN
bjmsr-2231	217	38	checking	checking	NOUN
bjmsr-2231	217	39	is	be	AUX
bjmsr-2231	217	40	not	not	PART
bjmsr-2231	217	41	possible	possible	ADJ
bjmsr-2231	217	42	in	in	ADP
bjmsr-2231	217	43	whatsapp	whatsapp	ADJ
bjmsr-2231	217	44	pay	pay	NOUN
bjmsr-2231	217	45	we	we	PRON
bjmsr-2231	217	46	have	have	VERB
bjmsr-2231	217	47	to	to	PART
bjmsr-2231	217	48	shift	shift	VERB
bjmsr-2231	217	49	upi	upi	PROPN
bjmsr-2231	217	50	apps	app	NOUN
bjmsr-2231	217	51	to	to	PART
bjmsr-2231	217	52	check	check	VERB
bjmsr-2231	217	53	the	the	DET
bjmsr-2231	217	54	balance	balance	NOUN
bjmsr-2231	217	55	and	and	CCONJ
bjmsr-2231	217	56	debited	debited	ADJ
bjmsr-2231	217	57	amount	amount	NOUN
bjmsr-2231	217	58	”	"	PUNCT
bjmsr-2231	217	59	.	.	PUNCT
bjmsr-2231	218	1	discussions	discussion	NOUN
bjmsr-2231	218	2	this	this	DET
bjmsr-2231	218	3	study	study	NOUN
bjmsr-2231	218	4	was	be	AUX
bjmsr-2231	218	5	conducted	conduct	VERB
bjmsr-2231	218	6	to	to	PART
bjmsr-2231	218	7	identify	identify	VERB
bjmsr-2231	218	8	the	the	DET
bjmsr-2231	218	9	factors	factor	NOUN
bjmsr-2231	218	10	affecting	affect	VERB
bjmsr-2231	218	11	the	the	DET
bjmsr-2231	218	12	adoption	adoption	NOUN
bjmsr-2231	218	13	of	of	ADP
bjmsr-2231	218	14	smpp	smpp	PROPN
bjmsr-2231	218	15	by	by	ADP
bjmsr-2231	218	16	the	the	DET
bjmsr-2231	218	17	users	user	NOUN
bjmsr-2231	218	18	.	.	PUNCT
bjmsr-2231	219	1	we	we	PRON
bjmsr-2231	219	2	conducted	conduct	VERB
bjmsr-2231	219	3	in	in	ADP
bjmsr-2231	219	4	-	-	PUNCT
bjmsr-2231	219	5	depth	depth	NOUN
bjmsr-2231	219	6	interviews	interview	NOUN
bjmsr-2231	219	7	with	with	ADP
bjmsr-2231	219	8	12	12	NUM
bjmsr-2231	219	9	respondents	respondent	NOUN
bjmsr-2231	219	10	and	and	CCONJ
bjmsr-2231	219	11	through	through	ADP
bjmsr-2231	219	12	those	those	DET
bjmsr-2231	219	13	responses	response	NOUN
bjmsr-2231	219	14	identified	identify	VERB
bjmsr-2231	219	15	three	three	NUM
bjmsr-2231	219	16	key	key	ADJ
bjmsr-2231	219	17	themes	theme	NOUN
bjmsr-2231	219	18	of	of	ADP
bjmsr-2231	219	19	the	the	DET
bjmsr-2231	219	20	study	study	NOUN
bjmsr-2231	219	21	.	.	PUNCT
bjmsr-2231	220	1	rq1	rq1	PROPN
bjmsr-2231	220	2	focused	focus	VERB
bjmsr-2231	220	3	on	on	ADP
bjmsr-2231	220	4	identifying	identify	VERB
bjmsr-2231	220	5	factors	factor	NOUN
bjmsr-2231	220	6	that	that	PRON
bjmsr-2231	220	7	influence	influence	VERB
bjmsr-2231	220	8	users	user	NOUN
bjmsr-2231	220	9	'	'	PART
bjmsr-2231	220	10	intentions	intention	NOUN
bjmsr-2231	220	11	to	to	PART
bjmsr-2231	220	12	adopt	adopt	VERB
bjmsr-2231	220	13	smpps	smpp	NOUN
bjmsr-2231	220	14	.	.	PUNCT
bjmsr-2231	221	1	our	our	PRON
bjmsr-2231	221	2	findings	finding	NOUN
bjmsr-2231	221	3	revealed	reveal	VERB
bjmsr-2231	221	4	three	three	NUM
bjmsr-2231	221	5	key	key	ADJ
bjmsr-2231	221	6	themes	theme	NOUN
bjmsr-2231	221	7	which	which	PRON
bjmsr-2231	221	8	were	be	AUX
bjmsr-2231	221	9	further	far	ADV
bjmsr-2231	221	10	divided	divide	VERB
bjmsr-2231	221	11	into	into	ADP
bjmsr-2231	221	12	nine	nine	NUM
bjmsr-2231	221	13	sub	sub	ADJ
bjmsr-2231	221	14	-	-	ADJ
bjmsr-2231	221	15	theme	theme	ADJ
bjmsr-2231	221	16	factors	factor	NOUN
bjmsr-2231	221	17	.	.	PUNCT
bjmsr-2231	222	1	our	our	PRON
bjmsr-2231	222	2	first	first	ADJ
bjmsr-2231	222	3	theme	theme	NOUN
bjmsr-2231	222	4	is	be	AUX
bjmsr-2231	222	5	socio	socio	NOUN
bjmsr-2231	222	6	-	-	PUNCT
bjmsr-2231	222	7	demographic	demographic	ADJ
bjmsr-2231	222	8	,	,	PUNCT
bjmsr-2231	222	9	which	which	PRON
bjmsr-2231	222	10	comprised	comprise	VERB
bjmsr-2231	222	11	of	of	ADP
bjmsr-2231	222	12	age	age	NOUN
bjmsr-2231	222	13	,	,	PUNCT
bjmsr-2231	222	14	gender	gender	NOUN
bjmsr-2231	222	15	,	,	PUNCT
bjmsr-2231	222	16	education	education	NOUN
bjmsr-2231	222	17	,	,	PUNCT
bjmsr-2231	222	18	and	and	CCONJ
bjmsr-2231	222	19	occupation	occupation	NOUN
bjmsr-2231	222	20	.	.	PUNCT
bjmsr-2231	223	1	the	the	DET
bjmsr-2231	223	2	convenience	convenience	NOUN
bjmsr-2231	223	3	theme	theme	NOUN
bjmsr-2231	223	4	covered	cover	VERB
bjmsr-2231	223	5	perceived	perceive	VERB
bjmsr-2231	223	6	usefulness	usefulness	NOUN
bjmsr-2231	223	7	and	and	CCONJ
bjmsr-2231	223	8	perceived	perceive	VERB
bjmsr-2231	223	9	ease	ease	NOUN
bjmsr-2231	223	10	of	of	ADP
bjmsr-2231	223	11	use	use	NOUN
bjmsr-2231	223	12	(	(	PUNCT
bjmsr-2231	223	13	pou	pou	PROPN
bjmsr-2231	223	14	)	)	PUNCT
bjmsr-2231	223	15	,	,	PUNCT
bjmsr-2231	223	16	while	while	SCONJ
bjmsr-2231	223	17	the	the	DET
bjmsr-2231	223	18	vulnerability	vulnerability	NOUN
bjmsr-2231	223	19	of	of	ADP
bjmsr-2231	223	20	risk	risk	NOUN
bjmsr-2231	223	21	consists	consist	VERB
bjmsr-2231	223	22	of	of	ADP
bjmsr-2231	223	23	platform	platform	NOUN
bjmsr-2231	223	24	features	feature	NOUN
bjmsr-2231	223	25	,	,	PUNCT
bjmsr-2231	223	26	security	security	NOUN
bjmsr-2231	223	27	concerns	concern	NOUN
bjmsr-2231	223	28	,	,	PUNCT
bjmsr-2231	223	29	and	and	CCONJ
bjmsr-2231	223	30	privacy	privacy	NOUN
bjmsr-2231	223	31	concerns	concern	NOUN
bjmsr-2231	223	32	(	(	PUNCT
bjmsr-2231	223	33	seldal	seldal	PROPN
bjmsr-2231	223	34	&	&	CCONJ
bjmsr-2231	223	35	nyhus	nyhus	PROPN
bjmsr-2231	223	36	,	,	PUNCT
bjmsr-2231	223	37	2022	2022	NUM
bjmsr-2231	223	38	;	;	PUNCT
bjmsr-2231	223	39	qu	qu	PROPN
bjmsr-2231	223	40	et	et	PROPN
bjmsr-2231	223	41	al	al	PROPN
bjmsr-2231	223	42	.	.	PROPN
bjmsr-2231	223	43	,	,	PUNCT
bjmsr-2231	223	44	2015	2015	NUM
bjmsr-2231	223	45	;	;	PUNCT
bjmsr-2231	223	46	wang	wang	PROPN
bjmsr-2231	223	47	&	&	CCONJ
bjmsr-2231	223	48	gu	gu	PROPN
bjmsr-2231	223	49	,	,	PUNCT
bjmsr-2231	223	50	2017	2017	NUM
bjmsr-2231	223	51	)	)	PUNCT
bjmsr-2231	223	52	.	.	PUNCT
bjmsr-2231	224	1	these	these	DET
bjmsr-2231	224	2	factors	factor	NOUN
bjmsr-2231	224	3	can	can	AUX
bjmsr-2231	224	4	be	be	AUX
bjmsr-2231	224	5	further	far	ADV
bjmsr-2231	224	6	categorized	categorize	VERB
bjmsr-2231	224	7	into	into	ADP
bjmsr-2231	224	8	distinct	distinct	ADJ
bjmsr-2231	224	9	themes	theme	NOUN
bjmsr-2231	224	10	for	for	ADP
bjmsr-2231	224	11	a	a	DET
bjmsr-2231	224	12	deeper	deep	ADJ
bjmsr-2231	224	13	understanding	understanding	NOUN
bjmsr-2231	224	14	.	.	PUNCT
bjmsr-2231	225	1	the	the	DET
bjmsr-2231	225	2	above	above	ADJ
bjmsr-2231	225	3	findings	finding	NOUN
bjmsr-2231	225	4	can	can	AUX
bjmsr-2231	225	5	be	be	AUX
bjmsr-2231	225	6	summed	sum	VERB
bjmsr-2231	225	7	up	up	ADP
bjmsr-2231	225	8	with	with	ADP
bjmsr-2231	225	9	the	the	DET
bjmsr-2231	225	10	help	help	NOUN
bjmsr-2231	225	11	of	of	ADP
bjmsr-2231	225	12	a	a	DET
bjmsr-2231	225	13	diagram	diagram	NOUN
bjmsr-2231	225	14	presented	present	VERB
bjmsr-2231	225	15	as	as	ADP
bjmsr-2231	225	16	figure	figure	NOUN
bjmsr-2231	225	17	1	1	NUM
bjmsr-2231	225	18	in	in	ADP
bjmsr-2231	225	19	this	this	DET
bjmsr-2231	225	20	paper	paper	NOUN
bjmsr-2231	225	21	.	.	PUNCT
bjmsr-2231	226	1	rq2	rq2	NOUN
bjmsr-2231	226	2	,	,	PUNCT
bjmsr-2231	226	3	aimed	aim	VERB
bjmsr-2231	226	4	to	to	PART
bjmsr-2231	226	5	identify	identify	VERB
bjmsr-2231	226	6	factors	factor	NOUN
bjmsr-2231	226	7	that	that	PRON
bjmsr-2231	226	8	motivate	motivate	VERB
bjmsr-2231	226	9	and	and	CCONJ
bjmsr-2231	226	10	inhibit	inhibit	VERB
bjmsr-2231	226	11	smmp	smmp	NOUN
bjmsr-2231	226	12	adoption	adoption	NOUN
bjmsr-2231	226	13	.	.	PUNCT
bjmsr-2231	227	1	interestingly	interestingly	ADV
bjmsr-2231	227	2	,	,	PUNCT
bjmsr-2231	227	3	all	all	DET
bjmsr-2231	227	4	nine	nine	NUM
bjmsr-2231	227	5	factors	factor	NOUN
bjmsr-2231	227	6	identified	identify	VERB
bjmsr-2231	227	7	for	for	ADP
bjmsr-2231	227	8	rq1	rq1	NOUN
bjmsr-2231	227	9	play	play	VERB
bjmsr-2231	227	10	an	an	DET
bjmsr-2231	227	11	important	important	ADJ
bjmsr-2231	227	12	role	role	NOUN
bjmsr-2231	227	13	here	here	ADV
bjmsr-2231	227	14	as	as	ADV
bjmsr-2231	227	15	well	well	ADV
bjmsr-2231	227	16	.	.	PUNCT
bjmsr-2231	228	1	however	however	ADV
bjmsr-2231	228	2	,	,	PUNCT
bjmsr-2231	228	3	factors	factor	NOUN
bjmsr-2231	228	4	such	such	ADJ
bjmsr-2231	228	5	as	as	ADP
bjmsr-2231	228	6	perceived	perceive	VERB
bjmsr-2231	228	7	ease	ease	NOUN
bjmsr-2231	228	8	of	of	ADP
bjmsr-2231	228	9	use	use	NOUN
bjmsr-2231	228	10	,	,	PUNCT
bjmsr-2231	228	11	perceived	perceive	VERB
bjmsr-2231	228	12	usefulness	usefulness	NOUN
bjmsr-2231	228	13	,	,	PUNCT
bjmsr-2231	228	14	and	and	CCONJ
bjmsr-2231	228	15	appealing	appealing	ADJ
bjmsr-2231	228	16	platform	platform	NOUN
bjmsr-2231	228	17	features	feature	NOUN
bjmsr-2231	228	18	motivate	motivate	VERB
bjmsr-2231	228	19	users	user	NOUN
bjmsr-2231	228	20	to	to	PART
bjmsr-2231	228	21	adopt	adopt	VERB
bjmsr-2231	228	22	smpps	smpp	NOUN
bjmsr-2231	228	23	(	(	PUNCT
bjmsr-2231	228	24	qu	qu	PROPN
bjmsr-2231	228	25	et	et	PROPN
bjmsr-2231	228	26	al	al	PROPN
bjmsr-2231	228	27	.	.	PROPN
bjmsr-2231	228	28	,	,	PUNCT
bjmsr-2231	228	29	2015	2015	NUM
bjmsr-2231	228	30	)	)	PUNCT
bjmsr-2231	228	31	.	.	PUNCT
bjmsr-2231	229	1	conversely	conversely	ADV
bjmsr-2231	229	2	,	,	PUNCT
bjmsr-2231	229	3	privacy	privacy	NOUN
bjmsr-2231	229	4	concerns	concern	NOUN
bjmsr-2231	229	5	,	,	PUNCT
bjmsr-2231	229	6	security	security	NOUN
bjmsr-2231	229	7	concerns	concern	NOUN
bjmsr-2231	229	8	,	,	PUNCT
bjmsr-2231	229	9	and	and	CCONJ
bjmsr-2231	229	10	platform	platform	NOUN
bjmsr-2231	229	11	features	feature	NOUN
bjmsr-2231	229	12	that	that	PRON
bjmsr-2231	229	13	are	be	AUX
bjmsr-2231	229	14	difficult	difficult	ADJ
bjmsr-2231	229	15	to	to	PART
bjmsr-2231	229	16	use	use	VERB
bjmsr-2231	229	17	the	the	DET
bjmsr-2231	229	18	platform	platform	NOUN
bjmsr-2231	229	19	can	can	AUX
bjmsr-2231	229	20	inhibit	inhibit	VERB
bjmsr-2231	229	21	users	user	NOUN
bjmsr-2231	229	22	and	and	CCONJ
bjmsr-2231	229	23	prevent	prevent	VERB
bjmsr-2231	229	24	them	they	PRON
bjmsr-2231	229	25	from	from	ADP
bjmsr-2231	229	26	adopting	adopt	VERB
bjmsr-2231	229	27	smpps	smpp	NOUN
bjmsr-2231	229	28	(	(	PUNCT
bjmsr-2231	229	29	li	li	PROPN
bjmsr-2231	229	30	et	et	PROPN
bjmsr-2231	229	31	al	al	PROPN
bjmsr-2231	229	32	.	.	PROPN
bjmsr-2231	229	33	,	,	PUNCT
bjmsr-2231	229	34	2023	2023	NUM
bjmsr-2231	229	35	;	;	PUNCT
bjmsr-2231	229	36	tang	tang	PROPN
bjmsr-2231	229	37	et	et	PROPN
bjmsr-2231	229	38	al	al	PROPN
bjmsr-2231	229	39	.	.	PROPN
bjmsr-2231	229	40	,	,	PUNCT
bjmsr-2231	229	41	2021	2021	NUM
bjmsr-2231	229	42	)	)	PUNCT
bjmsr-2231	229	43	.	.	PUNCT
bjmsr-2231	230	1	figure	figure	NOUN
bjmsr-2231	230	2	1	1	NUM
bjmsr-2231	230	3	.	.	PUNCT
bjmsr-2231	230	4	proposed	propose	VERB
bjmsr-2231	230	5	model	model	NOUN
bjmsr-2231	230	6	conclusions	conclusion	NOUN
bjmsr-2231	230	7	this	this	DET
bjmsr-2231	230	8	study	study	NOUN
bjmsr-2231	230	9	depicts	depict	VERB
bjmsr-2231	230	10	the	the	DET
bjmsr-2231	230	11	user	user	NOUN
bjmsr-2231	230	12	behavior	behavior	NOUN
bjmsr-2231	230	13	towards	towards	ADP
bjmsr-2231	230	14	the	the	DET
bjmsr-2231	230	15	adoption	adoption	NOUN
bjmsr-2231	230	16	of	of	ADP
bjmsr-2231	230	17	social	social	ADJ
bjmsr-2231	230	18	media	medium	NOUN
bjmsr-2231	230	19	payment	payment	NOUN
bjmsr-2231	230	20	platforms	platform	NOUN
bjmsr-2231	230	21	(	(	PUNCT
bjmsr-2231	230	22	smpps	smpp	NOUN
bjmsr-2231	230	23	)	)	PUNCT
bjmsr-2231	230	24	through	through	ADP
bjmsr-2231	230	25	in	in	ADP
bjmsr-2231	230	26	-	-	PUNCT
bjmsr-2231	230	27	depth	depth	NOUN
bjmsr-2231	230	28	interviews	interview	NOUN
bjmsr-2231	230	29	with	with	ADP
bjmsr-2231	230	30	12	12	NUM
bjmsr-2231	230	31	participants	participant	NOUN
bjmsr-2231	230	32	.	.	PUNCT
bjmsr-2231	231	1	the	the	DET
bjmsr-2231	231	2	responses	response	NOUN
bjmsr-2231	231	3	were	be	AUX
bjmsr-2231	231	4	analyzed	analyze	VERB
bjmsr-2231	231	5	,	,	PUNCT
bjmsr-2231	231	6	and	and	CCONJ
bjmsr-2231	231	7	based	base	VERB
bjmsr-2231	231	8	on	on	ADP
bjmsr-2231	231	9	it	it	PRON
bjmsr-2231	231	10	three	three	NUM
bjmsr-2231	231	11	key	key	ADJ
bjmsr-2231	231	12	themes	theme	NOUN
bjmsr-2231	231	13	were	be	AUX
bjmsr-2231	231	14	identified	identify	VERB
bjmsr-2231	231	15	to	to	PART
bjmsr-2231	231	16	evaluate	evaluate	VERB
bjmsr-2231	231	17	user	user	NOUN
bjmsr-2231	231	18	behavior	behavior	NOUN
bjmsr-2231	231	19	.	.	PUNCT
bjmsr-2231	232	1	social	social	ADJ
bjmsr-2231	232	2	demographic	demographic	ADJ
bjmsr-2231	232	3	evolved	evolve	VERB
bjmsr-2231	232	4	as	as	ADP
bjmsr-2231	232	5	the	the	DET
bjmsr-2231	232	6	first	first	ADJ
bjmsr-2231	232	7	theme	theme	NOUN
bjmsr-2231	232	8	with	with	ADP
bjmsr-2231	232	9	subsequent	subsequent	ADJ
bjmsr-2231	232	10	sub	sub	NOUN
bjmsr-2231	232	11	-	-	NOUN
bjmsr-2231	232	12	themes	theme	NOUN
bjmsr-2231	232	13	such	such	ADJ
bjmsr-2231	232	14	as	as	ADP
bjmsr-2231	232	15	age	age	NOUN
bjmsr-2231	232	16	,	,	PUNCT
bjmsr-2231	232	17	gender	gender	NOUN
bjmsr-2231	232	18	,	,	PUNCT
bjmsr-2231	232	19	education	education	NOUN
bjmsr-2231	232	20	,	,	PUNCT
bjmsr-2231	232	21	and	and	CCONJ
bjmsr-2231	232	22	occupation	occupation	NOUN
bjmsr-2231	232	23	.	.	PUNCT
bjmsr-2231	233	1	all	all	DET
bjmsr-2231	233	2	the	the	DET
bjmsr-2231	233	3	sub	sub	NOUN
bjmsr-2231	233	4	-	-	NOUN
bjmsr-2231	233	5	themes	theme	NOUN
bjmsr-2231	233	6	play	play	VERB
bjmsr-2231	233	7	equally	equally	ADV
bjmsr-2231	233	8	important	important	ADJ
bjmsr-2231	233	9	roles	role	NOUN
bjmsr-2231	233	10	except	except	SCONJ
bjmsr-2231	233	11	gender	gender	NOUN
bjmsr-2231	233	12	was	be	AUX
bjmsr-2231	233	13	not	not	PART
bjmsr-2231	233	14	an	an	DET
bjmsr-2231	233	15	important	important	ADJ
bjmsr-2231	233	16	factor	factor	NOUN
bjmsr-2231	233	17	in	in	ADP
bjmsr-2231	233	18	influencing	influence	VERB
bjmsr-2231	233	19	the	the	DET
bjmsr-2231	233	20	behavioral	behavioral	ADJ
bjmsr-2231	233	21	perception	perception	NOUN
bjmsr-2231	233	22	and	and	CCONJ
bjmsr-2231	233	23	smpps	smpp	NOUN
bjmsr-2231	233	24	adoption	adoption	NOUN
bjmsr-2231	233	25	of	of	ADP
bjmsr-2231	233	26	users	user	NOUN
bjmsr-2231	233	27	.	.	PUNCT
bjmsr-2231	234	1	the	the	DET
bjmsr-2231	234	2	second	second	ADJ
bjmsr-2231	234	3	theme	theme	NOUN
bjmsr-2231	234	4	was	be	AUX
bjmsr-2231	234	5	convenience	convenience	NOUN
bjmsr-2231	234	6	,	,	PUNCT
bjmsr-2231	234	7	which	which	PRON
bjmsr-2231	234	8	include	include	VERB
bjmsr-2231	234	9	both	both	DET
bjmsr-2231	234	10	ease	ease	NOUN
bjmsr-2231	234	11	of	of	ADP
bjmsr-2231	234	12	use	use	NOUN
bjmsr-2231	234	13	and	and	CCONJ
bjmsr-2231	234	14	perceived	perceive	VERB
bjmsr-2231	234	15	usefulness	usefulness	NOUN
bjmsr-2231	234	16	.	.	PUNCT
bjmsr-2231	235	1	however	however	ADV
bjmsr-2231	235	2	,	,	PUNCT
bjmsr-2231	235	3	the	the	DET
bjmsr-2231	235	4	platform	platform	NOUN
bjmsr-2231	235	5	feature	feature	NOUN
bjmsr-2231	235	6	seems	seem	VERB
bjmsr-2231	235	7	to	to	PART
bjmsr-2231	235	8	lack	lack	VERB
bjmsr-2231	235	9	appeal	appeal	NOUN
bjmsr-2231	235	10	in	in	ADP
bjmsr-2231	235	11	this	this	DET
bjmsr-2231	235	12	regard	regard	NOUN
bjmsr-2231	235	13	.	.	PUNCT
bjmsr-2231	236	1	while	while	SCONJ
bjmsr-2231	236	2	the	the	DET
bjmsr-2231	236	3	user	user	NOUN
bjmsr-2231	236	4	can	can	AUX
bjmsr-2231	236	5	operate	operate	VERB
bjmsr-2231	236	6	perceived	perceive	VERB
bjmsr-2231	236	7	usefulness	usefulness	NOUN
bjmsr-2231	236	8	perceived	perceive	VERB
bjmsr-2231	236	9	ease	ease	NOUN
bjmsr-2231	236	10	of	of	ADP
bjmsr-2231	236	11	use	use	VERB
bjmsr-2231	236	12	behavioral	behavioral	ADJ
bjmsr-2231	236	13	intention	intention	NOUN
bjmsr-2231	236	14	of	of	ADP
bjmsr-2231	236	15	users	user	NOUN
bjmsr-2231	236	16	adoption	adoption	NOUN
bjmsr-2231	236	17	of	of	ADP
bjmsr-2231	236	18	smpps	smpp	NOUN
bjmsr-2231	236	19	age	age	NOUN
bjmsr-2231	236	20	education	education	PROPN
bjmsr-2231	236	21	social	social	ADJ
bjmsr-2231	236	22	demographic	demographic	ADJ
bjmsr-2231	236	23	convivence	convivence	NOUN
bjmsr-2231	236	24	vulnerability	vulnerability	NOUN
bjmsr-2231	236	25	to	to	PART
bjmsr-2231	236	26	risk	risk	VERB
bjmsr-2231	236	27	security	security	NOUN
bjmsr-2231	236	28	privacy	privacy	NOUN
bjmsr-2231	236	29	platform	platform	NOUN
bjmsr-2231	236	30	features	feature	VERB
bjmsr-2231	236	31	gender	gender	NOUN
bjmsr-2231	236	32	occupation	occupation	NOUN
bjmsr-2231	236	33	pandey	pandey	PROPN
bjmsr-2231	236	34	et	et	PROPN
bjmsr-2231	236	35	al	al	PROPN
bjmsr-2231	236	36	.	.	PROPN
bjmsr-2231	236	37	,	,	PUNCT
bjmsr-2231	236	38	bangladesh	bangladesh	PROPN
bjmsr-2231	236	39	journal	journal	NOUN
bjmsr-2231	236	40	of	of	ADP
bjmsr-2231	236	41	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	236	42	scientific	scientific	ADJ
bjmsr-2231	236	43	research	research	NOUN
bjmsr-2231	236	44	9(3	9(3	NUM
bjmsr-2231	236	45	)	)	PUNCT
bjmsr-2231	236	46	(	(	PUNCT
bjmsr-2231	236	47	2024	2024	NUM
bjmsr-2231	236	48	)	)	PUNCT
bjmsr-2231	236	49	,	,	PUNCT
bjmsr-2231	236	50	33	33	NUM
bjmsr-2231	236	51	-	-	SYM
bjmsr-2231	236	52	41	41	NUM
bjmsr-2231	236	53	39	39	NUM
bjmsr-2231	236	54	smpps	smpp	NOUN
bjmsr-2231	236	55	,	,	PUNCT
bjmsr-2231	236	56	they	they	PRON
bjmsr-2231	236	57	do	do	AUX
bjmsr-2231	236	58	n’t	not	PART
bjmsr-2231	236	59	use	use	VERB
bjmsr-2231	236	60	them	they	PRON
bjmsr-2231	236	61	due	due	ADJ
bjmsr-2231	236	62	to	to	ADP
bjmsr-2231	236	63	security	security	NOUN
bjmsr-2231	236	64	concerns	concern	NOUN
bjmsr-2231	236	65	.	.	PUNCT
bjmsr-2231	237	1	lastly	lastly	ADV
bjmsr-2231	237	2	,	,	PUNCT
bjmsr-2231	237	3	the	the	DET
bjmsr-2231	237	4	third	third	ADJ
bjmsr-2231	237	5	theme	theme	NOUN
bjmsr-2231	237	6	is	be	AUX
bjmsr-2231	237	7	the	the	DET
bjmsr-2231	237	8	vulnerability	vulnerability	NOUN
bjmsr-2231	237	9	to	to	PART
bjmsr-2231	237	10	risk	risk	VERB
bjmsr-2231	237	11	which	which	PRON
bjmsr-2231	237	12	is	be	AUX
bjmsr-2231	237	13	further	far	ADV
bjmsr-2231	237	14	categorized	categorize	VERB
bjmsr-2231	237	15	into	into	ADP
bjmsr-2231	237	16	three	three	NUM
bjmsr-2231	237	17	sub	sub	NOUN
bjmsr-2231	237	18	-	-	NOUN
bjmsr-2231	237	19	themes	theme	NOUN
bjmsr-2231	237	20	such	such	ADJ
bjmsr-2231	237	21	as	as	ADP
bjmsr-2231	237	22	security	security	NOUN
bjmsr-2231	237	23	,	,	PUNCT
bjmsr-2231	237	24	privacy	privacy	NOUN
bjmsr-2231	237	25	,	,	PUNCT
bjmsr-2231	237	26	and	and	CCONJ
bjmsr-2231	237	27	payment	payment	NOUN
bjmsr-2231	237	28	failure	failure	NOUN
bjmsr-2231	237	29	.	.	PUNCT
bjmsr-2231	238	1	the	the	DET
bjmsr-2231	238	2	user	user	NOUN
bjmsr-2231	238	3	avoids	avoid	VERB
bjmsr-2231	238	4	using	use	VERB
bjmsr-2231	238	5	smpp	smpp	PROPN
bjmsr-2231	238	6	adoption	adoption	NOUN
bjmsr-2231	238	7	due	due	ADP
bjmsr-2231	238	8	to	to	ADP
bjmsr-2231	238	9	fraud	fraud	NOUN
bjmsr-2231	238	10	and	and	CCONJ
bjmsr-2231	238	11	scams	scam	NOUN
bjmsr-2231	238	12	.	.	PUNCT
bjmsr-2231	239	1	privacy	privacy	NOUN
bjmsr-2231	239	2	plays	play	VERB
bjmsr-2231	239	3	a	a	DET
bjmsr-2231	239	4	vital	vital	ADJ
bjmsr-2231	239	5	role	role	NOUN
bjmsr-2231	239	6	which	which	PRON
bjmsr-2231	239	7	refraining	refrain	VERB
bjmsr-2231	239	8	the	the	DET
bjmsr-2231	239	9	user	user	NOUN
bjmsr-2231	239	10	from	from	ADP
bjmsr-2231	239	11	using	use	VERB
bjmsr-2231	239	12	smpps	smpp	NOUN
bjmsr-2231	239	13	.	.	PUNCT
bjmsr-2231	240	1	in	in	ADP
bjmsr-2231	240	2	essence	essence	NOUN
bjmsr-2231	240	3	,	,	PUNCT
bjmsr-2231	240	4	users	user	NOUN
bjmsr-2231	240	5	'	'	PART
bjmsr-2231	240	6	decisions	decision	NOUN
bjmsr-2231	240	7	to	to	PART
bjmsr-2231	240	8	adopt	adopt	VERB
bjmsr-2231	240	9	smpps	smpp	NOUN
bjmsr-2231	240	10	hinge	hinge	VERB
bjmsr-2231	240	11	on	on	ADP
bjmsr-2231	240	12	a	a	DET
bjmsr-2231	240	13	balance	balance	NOUN
bjmsr-2231	240	14	between	between	ADP
bjmsr-2231	240	15	perceived	perceive	VERB
bjmsr-2231	240	16	benefits	benefit	NOUN
bjmsr-2231	240	17	and	and	CCONJ
bjmsr-2231	240	18	potential	potential	ADJ
bjmsr-2231	240	19	drawbacks	drawback	NOUN
bjmsr-2231	240	20	.	.	PUNCT
bjmsr-2231	241	1	platforms	platform	NOUN
bjmsr-2231	241	2	feature	feature	VERB
bjmsr-2231	241	3	such	such	ADJ
bjmsr-2231	241	4	as	as	ADP
bjmsr-2231	241	5	payment	payment	NOUN
bjmsr-2231	241	6	failure	failure	NOUN
bjmsr-2231	241	7	which	which	PRON
bjmsr-2231	241	8	may	may	AUX
bjmsr-2231	241	9	result	result	VERB
bjmsr-2231	241	10	in	in	ADP
bjmsr-2231	241	11	irrelevant	irrelevant	ADJ
bjmsr-2231	241	12	transactions	transaction	NOUN
bjmsr-2231	241	13	.	.	PUNCT
bjmsr-2231	242	1	our	our	PRON
bjmsr-2231	242	2	analysis	analysis	NOUN
bjmsr-2231	242	3	suggests	suggest	VERB
bjmsr-2231	242	4	that	that	SCONJ
bjmsr-2231	242	5	user	user	NOUN
bjmsr-2231	242	6	-	-	PUNCT
bjmsr-2231	242	7	friendly	friendly	ADJ
bjmsr-2231	242	8	smpps	smpp	NOUN
bjmsr-2231	242	9	with	with	ADP
bjmsr-2231	242	10	robust	robust	ADJ
bjmsr-2231	242	11	security	security	NOUN
bjmsr-2231	242	12	and	and	CCONJ
bjmsr-2231	242	13	privacy	privacy	NOUN
bjmsr-2231	242	14	features	feature	NOUN
bjmsr-2231	242	15	are	be	AUX
bjmsr-2231	242	16	more	more	ADV
bjmsr-2231	242	17	likely	likely	ADJ
bjmsr-2231	242	18	to	to	PART
bjmsr-2231	242	19	achieve	achieve	VERB
bjmsr-2231	242	20	widespread	widespread	ADJ
bjmsr-2231	242	21	user	user	NOUN
bjmsr-2231	242	22	adoption	adoption	NOUN
bjmsr-2231	242	23	.	.	PUNCT
bjmsr-2231	243	1	using	use	VERB
bjmsr-2231	243	2	the	the	DET
bjmsr-2231	243	3	findings	finding	NOUN
bjmsr-2231	243	4	of	of	ADP
bjmsr-2231	243	5	this	this	DET
bjmsr-2231	243	6	study	study	NOUN
bjmsr-2231	243	7	,	,	PUNCT
bjmsr-2231	243	8	managers	manager	NOUN
bjmsr-2231	243	9	can	can	AUX
bjmsr-2231	243	10	develop	develop	VERB
bjmsr-2231	243	11	targeted	target	VERB
bjmsr-2231	243	12	marketing	marketing	NOUN
bjmsr-2231	243	13	campaigns	campaign	NOUN
bjmsr-2231	243	14	about	about	ADP
bjmsr-2231	243	15	smpp	smpp	PROPN
bjmsr-2231	243	16	and	and	CCONJ
bjmsr-2231	243	17	its	its	PRON
bjmsr-2231	243	18	usage	usage	NOUN
bjmsr-2231	243	19	for	for	ADP
bjmsr-2231	243	20	“	"	PUNCT
bjmsr-2231	243	21	z	z	ADJ
bjmsr-2231	243	22	”	"	PUNCT
bjmsr-2231	243	23	generation	generation	NOUN
bjmsr-2231	243	24	.	.	PUNCT
bjmsr-2231	244	1	marketers	marketer	NOUN
bjmsr-2231	244	2	should	should	AUX
bjmsr-2231	244	3	highlight	highlight	VERB
bjmsr-2231	244	4	the	the	DET
bjmsr-2231	244	5	platform	platform	NOUN
bjmsr-2231	244	6	features	feature	VERB
bjmsr-2231	244	7	such	such	ADJ
bjmsr-2231	244	8	as	as	ADP
bjmsr-2231	244	9	reward	reward	NOUN
bjmsr-2231	244	10	,	,	PUNCT
bjmsr-2231	244	11	gift	gift	NOUN
bjmsr-2231	244	12	,	,	PUNCT
bjmsr-2231	244	13	coupons	coupon	NOUN
bjmsr-2231	244	14	security	security	NOUN
bjmsr-2231	244	15	,	,	PUNCT
bjmsr-2231	244	16	privacy	privacy	NOUN
bjmsr-2231	244	17	of	of	ADP
bjmsr-2231	244	18	user	user	NOUN
bjmsr-2231	244	19	’s	’s	PART
bjmsr-2231	244	20	data	datum	NOUN
bjmsr-2231	244	21	to	to	PART
bjmsr-2231	244	22	attract	attract	VERB
bjmsr-2231	244	23	users	user	NOUN
bjmsr-2231	244	24	.	.	PUNCT
bjmsr-2231	245	1	the	the	DET
bjmsr-2231	245	2	manager	manager	NOUN
bjmsr-2231	245	3	of	of	ADP
bjmsr-2231	245	4	the	the	DET
bjmsr-2231	245	5	social	social	ADJ
bjmsr-2231	245	6	media	medium	NOUN
bjmsr-2231	245	7	company	company	NOUN
bjmsr-2231	245	8	adds	add	VERB
bjmsr-2231	245	9	a	a	DET
bjmsr-2231	245	10	secure	secure	ADJ
bjmsr-2231	245	11	payment	payment	NOUN
bjmsr-2231	245	12	feature	feature	NOUN
bjmsr-2231	245	13	as	as	SCONJ
bjmsr-2231	245	14	said	say	VERB
bjmsr-2231	245	15	by	by	ADP
bjmsr-2231	245	16	respondent	respondent	NOUN
bjmsr-2231	245	17	2	2	NUM
bjmsr-2231	245	18	“	"	PUNCT
bjmsr-2231	245	19	the	the	DET
bjmsr-2231	245	20	facility	facility	NOUN
bjmsr-2231	245	21	of	of	ADP
bjmsr-2231	245	22	balance	balance	NOUN
bjmsr-2231	245	23	checking	checking	NOUN
bjmsr-2231	245	24	is	be	AUX
bjmsr-2231	245	25	not	not	PART
bjmsr-2231	245	26	possible	possible	ADJ
bjmsr-2231	245	27	in	in	ADP
bjmsr-2231	245	28	whatsapp	whatsapp	ADJ
bjmsr-2231	245	29	pay	pay	NOUN
bjmsr-2231	245	30	so	so	SCONJ
bjmsr-2231	245	31	we	we	PRON
bjmsr-2231	245	32	have	have	VERB
bjmsr-2231	245	33	to	to	PART
bjmsr-2231	245	34	shift	shift	VERB
bjmsr-2231	245	35	to	to	ADP
bjmsr-2231	245	36	upi	upi	PROPN
bjmsr-2231	245	37	apps	app	NOUN
bjmsr-2231	245	38	to	to	PART
bjmsr-2231	245	39	check	check	VERB
bjmsr-2231	245	40	the	the	DET
bjmsr-2231	245	41	balance	balance	NOUN
bjmsr-2231	245	42	.	.	PUNCT
bjmsr-2231	246	1	in	in	ADP
bjmsr-2231	246	2	whatsapp	whatsapp	NOUN
bjmsr-2231	246	3	pay	pay	VERB
bjmsr-2231	246	4	only	only	ADJ
bjmsr-2231	246	5	transaction	transaction	NOUN
bjmsr-2231	246	6	history	history	NOUN
bjmsr-2231	246	7	is	be	AUX
bjmsr-2231	246	8	recorded	record	VERB
bjmsr-2231	246	9	”	"	PUNCT
bjmsr-2231	246	10	.	.	PUNCT
bjmsr-2231	247	1	smpp	smpp	PROPN
bjmsr-2231	247	2	developers	developer	NOUN
bjmsr-2231	247	3	can	can	AUX
bjmsr-2231	247	4	leverage	leverage	VERB
bjmsr-2231	247	5	these	these	DET
bjmsr-2231	247	6	findings	finding	NOUN
bjmsr-2231	247	7	to	to	PART
bjmsr-2231	247	8	create	create	VERB
bjmsr-2231	247	9	user	user	NOUN
bjmsr-2231	247	10	-	-	PUNCT
bjmsr-2231	247	11	friendly	friendly	ADJ
bjmsr-2231	247	12	secure	secure	ADJ
bjmsr-2231	247	13	platforms	platform	NOUN
bjmsr-2231	247	14	and	and	CCONJ
bjmsr-2231	247	15	robust	robust	ADJ
bjmsr-2231	247	16	security	security	NOUN
bjmsr-2231	247	17	platform	platform	NOUN
bjmsr-2231	247	18	features	feature	NOUN
bjmsr-2231	247	19	.	.	PUNCT
bjmsr-2231	248	1	managers	manager	NOUN
bjmsr-2231	248	2	can	can	AUX
bjmsr-2231	248	3	identify	identify	VERB
bjmsr-2231	248	4	areas	area	NOUN
bjmsr-2231	248	5	of	of	ADP
bjmsr-2231	248	6	confusion	confusion	NOUN
bjmsr-2231	248	7	within	within	ADP
bjmsr-2231	248	8	the	the	DET
bjmsr-2231	248	9	smpp	smpp	PROPN
bjmsr-2231	248	10	platform	platform	PROPN
bjmsr-2231	248	11	.	.	PUNCT
bjmsr-2231	249	1	service	service	NOUN
bjmsr-2231	249	2	providers	provider	NOUN
bjmsr-2231	249	3	can	can	AUX
bjmsr-2231	249	4	tailor	tailor	VERB
bjmsr-2231	249	5	marketing	marketing	NOUN
bjmsr-2231	249	6	and	and	CCONJ
bjmsr-2231	249	7	user	user	NOUN
bjmsr-2231	249	8	education	education	NOUN
bjmsr-2231	249	9	programs	program	NOUN
bjmsr-2231	249	10	to	to	PART
bjmsr-2231	249	11	address	address	VERB
bjmsr-2231	249	12	user	user	NOUN
bjmsr-2231	249	13	concerns	concern	NOUN
bjmsr-2231	249	14	and	and	CCONJ
bjmsr-2231	249	15	highlight	highlight	VERB
bjmsr-2231	249	16	the	the	DET
bjmsr-2231	249	17	benefits	benefit	NOUN
bjmsr-2231	249	18	of	of	ADP
bjmsr-2231	249	19	smpps	smpp	NOUN
bjmsr-2231	249	20	,	,	PUNCT
bjmsr-2231	249	21	ultimately	ultimately	ADV
bjmsr-2231	249	22	driving	drive	VERB
bjmsr-2231	249	23	user	user	NOUN
bjmsr-2231	249	24	adoption	adoption	NOUN
bjmsr-2231	249	25	.	.	PUNCT
bjmsr-2231	250	1	this	this	DET
bjmsr-2231	250	2	research	research	NOUN
bjmsr-2231	250	3	helps	help	VERB
bjmsr-2231	250	4	to	to	PART
bjmsr-2231	250	5	develop	develop	VERB
bjmsr-2231	250	6	our	our	PRON
bjmsr-2231	250	7	understanding	understanding	NOUN
bjmsr-2231	250	8	of	of	ADP
bjmsr-2231	250	9	user	user	NOUN
bjmsr-2231	250	10	adoption	adoption	NOUN
bjmsr-2231	250	11	behaviour	behaviour	NOUN
bjmsr-2231	250	12	in	in	ADP
bjmsr-2231	250	13	the	the	DET
bjmsr-2231	250	14	technological	technological	ADJ
bjmsr-2231	250	15	context	context	NOUN
bjmsr-2231	250	16	and	and	CCONJ
bjmsr-2231	250	17	specifically	specifically	ADV
bjmsr-2231	250	18	for	for	ADP
bjmsr-2231	250	19	smpps	smpp	NOUN
bjmsr-2231	250	20	.	.	PUNCT
bjmsr-2231	251	1	this	this	DET
bjmsr-2231	251	2	study	study	NOUN
bjmsr-2231	251	3	offers	offer	VERB
bjmsr-2231	251	4	valuable	valuable	ADJ
bjmsr-2231	251	5	insights	insight	NOUN
bjmsr-2231	251	6	for	for	ADP
bjmsr-2231	251	7	all	all	DET
bjmsr-2231	251	8	types	type	NOUN
bjmsr-2231	251	9	of	of	ADP
bjmsr-2231	251	10	users	user	NOUN
bjmsr-2231	251	11	by	by	ADP
bjmsr-2231	251	12	identifying	identify	VERB
bjmsr-2231	251	13	factors	factor	NOUN
bjmsr-2231	251	14	that	that	PRON
bjmsr-2231	251	15	motivate	motivate	VERB
bjmsr-2231	251	16	and	and	CCONJ
bjmsr-2231	251	17	inhibit	inhibit	VERB
bjmsr-2231	251	18	users	user	NOUN
bjmsr-2231	251	19	.	.	PUNCT
bjmsr-2231	252	1	different	different	ADJ
bjmsr-2231	252	2	themes	theme	NOUN
bjmsr-2231	252	3	were	be	AUX
bjmsr-2231	252	4	identified	identify	VERB
bjmsr-2231	252	5	to	to	PART
bjmsr-2231	252	6	analyse	analyse	VERB
bjmsr-2231	252	7	the	the	DET
bjmsr-2231	252	8	smpp	smpp	PROPN
bjmsr-2231	252	9	adoption	adoption	NOUN
bjmsr-2231	252	10	and	and	CCONJ
bjmsr-2231	252	11	usage	usage	NOUN
bjmsr-2231	252	12	.	.	PUNCT
bjmsr-2231	253	1	for	for	ADP
bjmsr-2231	253	2	further	further	ADJ
bjmsr-2231	253	3	research	research	NOUN
bjmsr-2231	253	4	,	,	PUNCT
bjmsr-2231	253	5	the	the	DET
bjmsr-2231	253	6	researcher	researcher	NOUN
bjmsr-2231	253	7	can	can	AUX
bjmsr-2231	253	8	do	do	AUX
bjmsr-2231	253	9	study	study	VERB
bjmsr-2231	253	10	on	on	ADP
bjmsr-2231	253	11	the	the	DET
bjmsr-2231	253	12	single	single	ADJ
bjmsr-2231	253	13	social	social	ADJ
bjmsr-2231	253	14	media	medium	NOUN
bjmsr-2231	253	15	payment	payment	NOUN
bjmsr-2231	253	16	apps	app	NOUN
bjmsr-2231	253	17	with	with	ADP
bjmsr-2231	253	18	same	same	ADJ
bjmsr-2231	253	19	or	or	CCONJ
bjmsr-2231	253	20	different	different	ADJ
bjmsr-2231	253	21	themes	theme	NOUN
bjmsr-2231	253	22	and	and	CCONJ
bjmsr-2231	253	23	sub	sub	NOUN
bjmsr-2231	253	24	-	-	NOUN
bjmsr-2231	253	25	themes	theme	NOUN
bjmsr-2231	253	26	.	.	PUNCT
bjmsr-2231	254	1	the	the	DET
bjmsr-2231	254	2	researcher	researcher	NOUN
bjmsr-2231	254	3	can	can	AUX
bjmsr-2231	254	4	also	also	ADV
bjmsr-2231	254	5	study	study	VERB
bjmsr-2231	254	6	on	on	ADP
bjmsr-2231	254	7	smpp	smpp	PROPN
bjmsr-2231	254	8	with	with	ADP
bjmsr-2231	254	9	themes	theme	NOUN
bjmsr-2231	254	10	that	that	PRON
bjmsr-2231	254	11	were	be	AUX
bjmsr-2231	254	12	not	not	PART
bjmsr-2231	254	13	identified	identify	VERB
bjmsr-2231	254	14	in	in	ADP
bjmsr-2231	254	15	this	this	DET
bjmsr-2231	254	16	study	study	NOUN
bjmsr-2231	254	17	.	.	PUNCT
bjmsr-2231	255	1	this	this	DET
bjmsr-2231	255	2	type	type	NOUN
bjmsr-2231	255	3	of	of	ADP
bjmsr-2231	255	4	analysis	analysis	NOUN
bjmsr-2231	255	5	i.e.	i.e.	X
bjmsr-2231	255	6	,	,	PUNCT
bjmsr-2231	255	7	thematic	thematic	ADJ
bjmsr-2231	255	8	analysis	analysis	NOUN
bjmsr-2231	255	9	in	in	ADP
bjmsr-2231	255	10	the	the	DET
bjmsr-2231	255	11	area	area	NOUN
bjmsr-2231	255	12	of	of	ADP
bjmsr-2231	255	13	smpp	smpp	PROPN
bjmsr-2231	255	14	has	have	AUX
bjmsr-2231	255	15	not	not	PART
bjmsr-2231	255	16	been	be	AUX
bjmsr-2231	255	17	done	do	VERB
bjmsr-2231	255	18	yet	yet	ADV
bjmsr-2231	255	19	.	.	PUNCT
bjmsr-2231	256	1	policymakers	policymaker	NOUN
bjmsr-2231	256	2	should	should	AUX
bjmsr-2231	256	3	frame	frame	VERB
bjmsr-2231	256	4	a	a	DET
bjmsr-2231	256	5	policy	policy	NOUN
bjmsr-2231	256	6	for	for	ADP
bjmsr-2231	256	7	creating	create	VERB
bjmsr-2231	256	8	features	feature	NOUN
bjmsr-2231	256	9	to	to	PART
bjmsr-2231	256	10	bring	bring	VERB
bjmsr-2231	256	11	more	more	ADJ
bjmsr-2231	256	12	transparency	transparency	NOUN
bjmsr-2231	256	13	so	so	SCONJ
bjmsr-2231	256	14	that	that	SCONJ
bjmsr-2231	256	15	relevant	relevant	ADJ
bjmsr-2231	256	16	,	,	PUNCT
bjmsr-2231	256	17	timely	timely	ADJ
bjmsr-2231	256	18	and	and	CCONJ
bjmsr-2231	256	19	inclusive	inclusive	ADJ
bjmsr-2231	256	20	information	information	NOUN
bjmsr-2231	256	21	in	in	ADP
bjmsr-2231	256	22	the	the	DET
bjmsr-2231	256	23	payment	payment	NOUN
bjmsr-2231	256	24	platform	platform	NOUN
bjmsr-2231	256	25	is	be	AUX
bjmsr-2231	256	26	included	include	VERB
bjmsr-2231	256	27	to	to	PART
bjmsr-2231	256	28	enhance	enhance	VERB
bjmsr-2231	256	29	smpp	smpp	PROPN
bjmsr-2231	256	30	adoption	adoption	NOUN
bjmsr-2231	256	31	.	.	PUNCT
bjmsr-2231	257	1	a	a	DET
bjmsr-2231	257	2	healthy	healthy	ADJ
bjmsr-2231	257	3	smpp	smpp	PROPN
bjmsr-2231	257	4	ecosystem	ecosystem	PROPN
bjmsr-2231	257	5	requires	require	VERB
bjmsr-2231	257	6	fair	fair	ADJ
bjmsr-2231	257	7	competition	competition	NOUN
bjmsr-2231	257	8	.	.	PUNCT
bjmsr-2231	258	1	policies	policy	NOUN
bjmsr-2231	258	2	can	can	AUX
bjmsr-2231	258	3	prevent	prevent	VERB
bjmsr-2231	258	4	dominant	dominant	ADJ
bjmsr-2231	258	5	players	player	NOUN
bjmsr-2231	258	6	from	from	ADP
bjmsr-2231	258	7	stifling	stifle	VERB
bjmsr-2231	258	8	innovation	innovation	NOUN
bjmsr-2231	258	9	and	and	CCONJ
bjmsr-2231	258	10	harming	harm	VERB
bjmsr-2231	258	11	consumer	consumer	NOUN
bjmsr-2231	258	12	choice	choice	NOUN
bjmsr-2231	258	13	.	.	PUNCT
bjmsr-2231	259	1	in	in	ADP
bjmsr-2231	259	2	this	this	DET
bjmsr-2231	259	3	study	study	NOUN
bjmsr-2231	259	4	,	,	PUNCT
bjmsr-2231	259	5	a	a	DET
bjmsr-2231	259	6	limited	limited	ADJ
bjmsr-2231	259	7	number	number	NOUN
bjmsr-2231	259	8	of	of	ADP
bjmsr-2231	259	9	respondents	respondent	NOUN
bjmsr-2231	259	10	were	be	AUX
bjmsr-2231	259	11	included	include	VERB
bjmsr-2231	259	12	,	,	PUNCT
bjmsr-2231	259	13	and	and	CCONJ
bjmsr-2231	259	14	factors	factor	NOUN
bjmsr-2231	259	15	influencing	influence	VERB
bjmsr-2231	259	16	smpp	smpp	PROPN
bjmsr-2231	259	17	adoption	adoption	NOUN
bjmsr-2231	259	18	were	be	AUX
bjmsr-2231	259	19	identified	identify	VERB
bjmsr-2231	259	20	based	base	VERB
bjmsr-2231	259	21	on	on	ADP
bjmsr-2231	259	22	their	their	PRON
bjmsr-2231	259	23	responses	response	NOUN
bjmsr-2231	259	24	.	.	PUNCT
bjmsr-2231	260	1	we	we	PRON
bjmsr-2231	260	2	should	should	AUX
bjmsr-2231	260	3	increase	increase	VERB
bjmsr-2231	260	4	the	the	DET
bjmsr-2231	260	5	sample	sample	NOUN
bjmsr-2231	260	6	size	size	NOUN
bjmsr-2231	260	7	to	to	PART
bjmsr-2231	260	8	enhance	enhance	VERB
bjmsr-2231	260	9	the	the	DET
bjmsr-2231	260	10	generalizability	generalizability	NOUN
bjmsr-2231	260	11	of	of	ADP
bjmsr-2231	260	12	our	our	PRON
bjmsr-2231	260	13	findings	finding	NOUN
bjmsr-2231	260	14	and	and	CCONJ
bjmsr-2231	260	15	achieve	achieve	VERB
bjmsr-2231	260	16	a	a	DET
bjmsr-2231	260	17	more	more	ADV
bjmsr-2231	260	18	precise	precise	ADJ
bjmsr-2231	260	19	understanding	understanding	NOUN
bjmsr-2231	260	20	of	of	ADP
bjmsr-2231	260	21	smpp	smpp	PROPN
bjmsr-2231	260	22	user	user	NOUN
bjmsr-2231	260	23	behaviours	behaviour	NOUN
bjmsr-2231	260	24	.	.	PUNCT
bjmsr-2231	261	1	this	this	DET
bjmsr-2231	261	2	study	study	NOUN
bjmsr-2231	261	3	suggests	suggest	VERB
bjmsr-2231	261	4	that	that	SCONJ
bjmsr-2231	261	5	future	future	ADJ
bjmsr-2231	261	6	researchers	researcher	NOUN
bjmsr-2231	261	7	should	should	AUX
bjmsr-2231	261	8	extend	extend	VERB
bjmsr-2231	261	9	their	their	PRON
bjmsr-2231	261	10	investigations	investigation	NOUN
bjmsr-2231	261	11	to	to	ADP
bjmsr-2231	261	12	multiple	multiple	ADJ
bjmsr-2231	261	13	states	state	NOUN
bjmsr-2231	261	14	,	,	PUNCT
bjmsr-2231	261	15	augmenting	augment	VERB
bjmsr-2231	261	16	both	both	DET
bjmsr-2231	261	17	respondent	respondent	NOUN
bjmsr-2231	261	18	numbers	number	NOUN
bjmsr-2231	261	19	and	and	CCONJ
bjmsr-2231	261	20	interview	interview	NOUN
bjmsr-2231	261	21	schedule	schedule	NOUN
bjmsr-2231	261	22	items	item	NOUN
bjmsr-2231	261	23	conducted	conduct	VERB
bjmsr-2231	261	24	in	in	ADP
bjmsr-2231	261	25	uttar	uttar	PROPN
bjmsr-2231	261	26	pradesh	pradesh	PROPN
bjmsr-2231	261	27	,	,	PUNCT
bjmsr-2231	261	28	india	india	PROPN
bjmsr-2231	261	29	.	.	PUNCT
bjmsr-2231	262	1	users	user	NOUN
bjmsr-2231	262	2	’	’	PART
bjmsr-2231	262	3	adoption	adoption	NOUN
bjmsr-2231	262	4	of	of	ADP
bjmsr-2231	262	5	smpp	smpp	PROPN
bjmsr-2231	262	6	is	be	AUX
bjmsr-2231	262	7	influenced	influence	VERB
bjmsr-2231	262	8	by	by	ADP
bjmsr-2231	262	9	a	a	DET
bjmsr-2231	262	10	variety	variety	NOUN
bjmsr-2231	262	11	of	of	ADP
bjmsr-2231	262	12	variables	variable	NOUN
bjmsr-2231	262	13	,	,	PUNCT
bjmsr-2231	262	14	and	and	CCONJ
bjmsr-2231	262	15	not	not	PART
bjmsr-2231	262	16	all	all	PRON
bjmsr-2231	262	17	of	of	ADP
bjmsr-2231	262	18	these	these	DET
bjmsr-2231	262	19	variables	variable	NOUN
bjmsr-2231	262	20	are	be	AUX
bjmsr-2231	262	21	equally	equally	ADV
bjmsr-2231	262	22	significant	significant	ADJ
bjmsr-2231	262	23	.	.	PUNCT
bjmsr-2231	263	1	there	there	PRON
bjmsr-2231	263	2	is	be	VERB
bjmsr-2231	263	3	a	a	DET
bjmsr-2231	263	4	relationship	relationship	NOUN
bjmsr-2231	263	5	between	between	ADP
bjmsr-2231	263	6	the	the	DET
bjmsr-2231	263	7	parameters	parameter	NOUN
bjmsr-2231	263	8	and	and	CCONJ
bjmsr-2231	263	9	social	social	ADJ
bjmsr-2231	263	10	network	network	NOUN
bjmsr-2231	263	11	analysis	analysis	NOUN
bjmsr-2231	263	12	can	can	AUX
bjmsr-2231	263	13	be	be	AUX
bjmsr-2231	263	14	used	use	VERB
bjmsr-2231	263	15	to	to	PART
bjmsr-2231	263	16	ascertain	ascertain	VERB
bjmsr-2231	263	17	that	that	SCONJ
bjmsr-2231	263	18	relationship	relationship	NOUN
bjmsr-2231	263	19	as	as	SCONJ
bjmsr-2231	263	20	was	be	AUX
bjmsr-2231	263	21	utilized	utilize	VERB
bjmsr-2231	263	22	to	to	PART
bjmsr-2231	263	23	determine	determine	VERB
bjmsr-2231	263	24	this	this	DET
bjmsr-2231	263	25	association	association	NOUN
bjmsr-2231	263	26	.	.	PUNCT
bjmsr-2231	264	1	author	author	NOUN
bjmsr-2231	264	2	contributions	contribution	NOUN
bjmsr-2231	264	3	:	:	PUNCT
bjmsr-2231	264	4	conceptualization	conceptualization	NOUN
bjmsr-2231	264	5	,	,	PUNCT
bjmsr-2231	264	6	l.k.p	l.k.p	NOUN
bjmsr-2231	264	7	.	.	PROPN
bjmsr-2231	264	8	,	,	PUNCT
bjmsr-2231	264	9	r.s	r.s	PROPN
bjmsr-2231	264	10	.	.	PROPN
bjmsr-2231	264	11	,	,	PUNCT
bjmsr-2231	264	12	j.b	j.b	PROPN
bjmsr-2231	264	13	.	.	PUNCT
bjmsr-2231	264	14	and	and	CCONJ
bjmsr-2231	264	15	a.s	a.s	PROPN
bjmsr-2231	264	16	.	.	PROPN
bjmsr-2231	264	17	;	;	PUNCT
bjmsr-2231	264	18	methodology	methodology	PROPN
bjmsr-2231	264	19	,	,	PUNCT
bjmsr-2231	264	20	r.s	r.s	PROPN
bjmsr-2231	264	21	.	.	PROPN
bjmsr-2231	264	22	;	;	PUNCT
bjmsr-2231	265	1	software	software	NOUN
bjmsr-2231	265	2	,	,	PUNCT
bjmsr-2231	265	3	l.k.p	l.k.p	NOUN
bjmsr-2231	265	4	.	.	PUNCT
bjmsr-2231	265	5	;	;	PUNCT
bjmsr-2231	265	6	validation	validation	NOUN
bjmsr-2231	265	7	,	,	PUNCT
bjmsr-2231	265	8	l.k.p	l.k.p	NOUN
bjmsr-2231	265	9	.	.	PUNCT
bjmsr-2231	265	10	;	;	PUNCT
bjmsr-2231	265	11	formal	formal	ADJ
bjmsr-2231	265	12	analysis	analysis	NOUN
bjmsr-2231	265	13	,	,	PUNCT
bjmsr-2231	265	14	l.k.p	l.k.p	NOUN
bjmsr-2231	265	15	.	.	PUNCT
bjmsr-2231	265	16	;	;	PUNCT
bjmsr-2231	265	17	investigation	investigation	NOUN
bjmsr-2231	265	18	,	,	PUNCT
bjmsr-2231	265	19	l.k.p	l.k.p	PROPN
bjmsr-2231	265	20	.	.	PROPN
bjmsr-2231	265	21	,	,	PUNCT
bjmsr-2231	265	22	r.s	r.s	PROPN
bjmsr-2231	265	23	.	.	PROPN
bjmsr-2231	265	24	,	,	PUNCT
bjmsr-2231	265	25	j.b	j.b	PROPN
bjmsr-2231	265	26	.	.	PUNCT
bjmsr-2231	265	27	and	and	CCONJ
bjmsr-2231	265	28	a.s	a.s	PROPN
bjmsr-2231	265	29	.	.	PROPN
bjmsr-2231	265	30	;	;	PUNCT
bjmsr-2231	265	31	resources	resource	NOUN
bjmsr-2231	265	32	,	,	PUNCT
bjmsr-2231	265	33	l.k.p	l.k.p	NOUN
bjmsr-2231	265	34	.	.	PUNCT
bjmsr-2231	265	35	;	;	PUNCT
bjmsr-2231	265	36	data	datum	NOUN
bjmsr-2231	265	37	curation	curation	NOUN
bjmsr-2231	265	38	,	,	PUNCT
bjmsr-2231	265	39	l.k.p	l.k.p	NOUN
bjmsr-2231	265	40	.	.	PUNCT
bjmsr-2231	265	41	;	;	PUNCT
bjmsr-2231	265	42	writing	write	VERB
bjmsr-2231	265	43	–	–	PUNCT
bjmsr-2231	265	44	original	original	ADJ
bjmsr-2231	265	45	draft	draft	NOUN
bjmsr-2231	265	46	preparation	preparation	NOUN
bjmsr-2231	265	47	,	,	PUNCT
bjmsr-2231	265	48	l.k.p	l.k.p	NOUN
bjmsr-2231	265	49	.	.	PUNCT
bjmsr-2231	265	50	;	;	PUNCT
bjmsr-2231	265	51	writing	write	VERB
bjmsr-2231	265	52	–	–	PUNCT
bjmsr-2231	265	53	review	review	NOUN
bjmsr-2231	265	54	&	&	CCONJ
bjmsr-2231	265	55	editing	editing	NOUN
bjmsr-2231	265	56	,	,	PUNCT
bjmsr-2231	265	57	l.k.p	l.k.p	NOUN
bjmsr-2231	265	58	.	.	PROPN
bjmsr-2231	265	59	,	,	PUNCT
bjmsr-2231	265	60	r.s	r.s	PROPN
bjmsr-2231	265	61	.	.	PROPN
bjmsr-2231	265	62	,	,	PUNCT
bjmsr-2231	265	63	j.b	j.b	PROPN
bjmsr-2231	265	64	.	.	PUNCT
bjmsr-2231	266	1	and	and	CCONJ
bjmsr-2231	266	2	a.s	a.s	PROPN
bjmsr-2231	266	3	.	.	PROPN
bjmsr-2231	266	4	;	;	PUNCT
bjmsr-2231	266	5	visualization	visualization	NOUN
bjmsr-2231	266	6	,	,	PUNCT
bjmsr-2231	266	7	,	,	PUNCT
bjmsr-2231	266	8	l.k.p	l.k.p	PROPN
bjmsr-2231	266	9	.	.	PUNCT
bjmsr-2231	266	10	;	;	PUNCT
bjmsr-2231	266	11	supervision	supervision	NOUN
bjmsr-2231	266	12	,	,	PUNCT
bjmsr-2231	266	13	r.s	r.s	PROPN
bjmsr-2231	266	14	.	.	PROPN
bjmsr-2231	266	15	,	,	PUNCT
bjmsr-2231	266	16	j.b	j.b	PROPN
bjmsr-2231	266	17	.	.	PUNCT
bjmsr-2231	267	1	and	and	CCONJ
bjmsr-2231	268	1	a.s	a.s	PROPN
bjmsr-2231	268	2	.	.	PROPN
bjmsr-2231	268	3	;	;	PUNCT
bjmsr-2231	268	4	project	project	NOUN
bjmsr-2231	268	5	administration	administration	PROPN
bjmsr-2231	268	6	,	,	PUNCT
bjmsr-2231	268	7	r.s	r.s	PROPN
bjmsr-2231	268	8	.	.	PROPN
bjmsr-2231	268	9	,	,	PUNCT
bjmsr-2231	268	10	j.b	j.b	PROPN
bjmsr-2231	268	11	.	.	PUNCT
bjmsr-2231	268	12	and	and	CCONJ
bjmsr-2231	268	13	a.s	a.s	PROPN
bjmsr-2231	268	14	.	.	PROPN
bjmsr-2231	268	15	;	;	PUNCT
bjmsr-2231	268	16	funding	funding	NOUN
bjmsr-2231	268	17	acquisition	acquisition	NOUN
bjmsr-2231	268	18	,	,	PUNCT
bjmsr-2231	268	19	l.k.p	l.k.p	PROPN
bjmsr-2231	268	20	.	.	PROPN
bjmsr-2231	268	21	,	,	PUNCT
bjmsr-2231	268	22	r.s	r.s	PROPN
bjmsr-2231	268	23	.	.	PROPN
bjmsr-2231	268	24	,	,	PUNCT
bjmsr-2231	268	25	j.b	j.b	PROPN
bjmsr-2231	268	26	.	.	PUNCT
bjmsr-2231	269	1	and	and	CCONJ
bjmsr-2231	269	2	a.s	a.s	PROPN
bjmsr-2231	269	3	.	.	PROPN
bjmsr-2231	269	4	authors	author	NOUN
bjmsr-2231	269	5	have	have	AUX
bjmsr-2231	269	6	read	read	VERB
bjmsr-2231	269	7	and	and	CCONJ
bjmsr-2231	269	8	agreed	agree	VERB
bjmsr-2231	269	9	to	to	ADP
bjmsr-2231	269	10	the	the	DET
bjmsr-2231	269	11	published	publish	VERB
bjmsr-2231	269	12	version	version	NOUN
bjmsr-2231	269	13	of	of	ADP
bjmsr-2231	269	14	the	the	DET
bjmsr-2231	269	15	manuscript	manuscript	NOUN
bjmsr-2231	269	16	.	.	PUNCT
bjmsr-2231	270	1	institutional	institutional	ADJ
bjmsr-2231	270	2	review	review	PROPN
bjmsr-2231	270	3	board	board	NOUN
bjmsr-2231	270	4	statement	statement	NOUN
bjmsr-2231	270	5	:	:	PUNCT
bjmsr-2231	270	6	ethical	ethical	ADJ
bjmsr-2231	270	7	review	review	NOUN
bjmsr-2231	270	8	and	and	CCONJ
bjmsr-2231	270	9	approval	approval	NOUN
bjmsr-2231	270	10	were	be	AUX
bjmsr-2231	270	11	waived	waive	VERB
bjmsr-2231	270	12	for	for	ADP
bjmsr-2231	270	13	this	this	DET
bjmsr-2231	270	14	study	study	NOUN
bjmsr-2231	270	15	due	due	ADP
bjmsr-2231	270	16	to	to	ADP
bjmsr-2231	270	17	that	that	SCONJ
bjmsr-2231	270	18	the	the	DET
bjmsr-2231	270	19	research	research	NOUN
bjmsr-2231	270	20	does	do	AUX
bjmsr-2231	270	21	not	not	PART
bjmsr-2231	270	22	deal	deal	VERB
bjmsr-2231	270	23	with	with	ADP
bjmsr-2231	270	24	vulnerable	vulnerable	ADJ
bjmsr-2231	270	25	groups	group	NOUN
bjmsr-2231	270	26	or	or	CCONJ
bjmsr-2231	270	27	sensitive	sensitive	ADJ
bjmsr-2231	270	28	issues	issue	NOUN
bjmsr-2231	270	29	.	.	PUNCT
bjmsr-2231	271	1	funding	funding	NOUN
bjmsr-2231	271	2	:	:	PUNCT
bjmsr-2231	271	3	the	the	DET
bjmsr-2231	271	4	authors	author	NOUN
bjmsr-2231	271	5	received	receive	VERB
bjmsr-2231	271	6	no	no	DET
bjmsr-2231	271	7	direct	direct	ADJ
bjmsr-2231	271	8	funding	funding	NOUN
bjmsr-2231	271	9	for	for	ADP
bjmsr-2231	271	10	this	this	DET
bjmsr-2231	271	11	research	research	NOUN
bjmsr-2231	271	12	.	.	PUNCT
bjmsr-2231	272	1	acknowledgments	acknowledgment	NOUN
bjmsr-2231	272	2	:	:	PUNCT
bjmsr-2231	272	3	not	not	PART
bjmsr-2231	272	4	applicable	applicable	ADJ
bjmsr-2231	272	5	informed	informed	ADJ
bjmsr-2231	272	6	consent	consent	NOUN
bjmsr-2231	272	7	statement	statement	NOUN
bjmsr-2231	272	8	:	:	PUNCT
bjmsr-2231	272	9	informed	inform	VERB
bjmsr-2231	272	10	consent	consent	NOUN
bjmsr-2231	272	11	was	be	AUX
bjmsr-2231	272	12	obtained	obtain	VERB
bjmsr-2231	272	13	from	from	ADP
bjmsr-2231	272	14	all	all	DET
bjmsr-2231	272	15	subjects	subject	NOUN
bjmsr-2231	272	16	involved	involve	VERB
bjmsr-2231	272	17	in	in	ADP
bjmsr-2231	272	18	the	the	DET
bjmsr-2231	272	19	study	study	NOUN
bjmsr-2231	272	20	.	.	PUNCT
bjmsr-2231	273	1	data	datum	NOUN
bjmsr-2231	273	2	availability	availability	NOUN
bjmsr-2231	273	3	statement	statement	NOUN
bjmsr-2231	273	4	:	:	PUNCT
bjmsr-2231	273	5	the	the	DET
bjmsr-2231	273	6	data	datum	NOUN
bjmsr-2231	273	7	presented	present	VERB
bjmsr-2231	273	8	in	in	ADP
bjmsr-2231	273	9	this	this	DET
bjmsr-2231	273	10	study	study	NOUN
bjmsr-2231	273	11	are	be	AUX
bjmsr-2231	273	12	available	available	ADJ
bjmsr-2231	273	13	on	on	ADP
bjmsr-2231	273	14	request	request	NOUN
bjmsr-2231	273	15	from	from	ADP
bjmsr-2231	273	16	the	the	DET
bjmsr-2231	273	17	corresponding	corresponding	ADJ
bjmsr-2231	273	18	author	author	NOUN
bjmsr-2231	273	19	.	.	PUNCT
bjmsr-2231	274	1	the	the	DET
bjmsr-2231	274	2	data	datum	NOUN
bjmsr-2231	274	3	are	be	AUX
bjmsr-2231	274	4	not	not	PART
bjmsr-2231	274	5	publicly	publicly	ADV
bjmsr-2231	274	6	available	available	ADJ
bjmsr-2231	274	7	due	due	ADP
bjmsr-2231	274	8	to	to	ADP
bjmsr-2231	274	9	restrictions	restriction	NOUN
bjmsr-2231	274	10	.	.	PUNCT
bjmsr-2231	275	1	conflicts	conflict	NOUN
bjmsr-2231	275	2	of	of	ADP
bjmsr-2231	275	3	interest	interest	NOUN
bjmsr-2231	275	4	:	:	PUNCT
bjmsr-2231	275	5	the	the	DET
bjmsr-2231	275	6	authors	author	NOUN
bjmsr-2231	275	7	declare	declare	VERB
bjmsr-2231	275	8	no	no	DET
bjmsr-2231	275	9	conflict	conflict	NOUN
bjmsr-2231	275	10	of	of	ADP
bjmsr-2231	275	11	interest	interest	NOUN
bjmsr-2231	275	12	.	.	PUNCT
bjmsr-2231	276	1	references	reference	NOUN
bjmsr-2231	276	2	agur	agur	PROPN
bjmsr-2231	276	3	,	,	PUNCT
bjmsr-2231	276	4	i.	i.	PROPN
bjmsr-2231	276	5	,	,	PUNCT
bjmsr-2231	276	6	peria	peria	PROPN
bjmsr-2231	276	7	,	,	PUNCT
bjmsr-2231	276	8	s.	s.	PROPN
bjmsr-2231	276	9	m.	m.	PROPN
bjmsr-2231	276	10	,	,	PUNCT
bjmsr-2231	276	11	&	&	CCONJ
bjmsr-2231	276	12	rochon	rochon	PROPN
bjmsr-2231	276	13	,	,	PUNCT
bjmsr-2231	276	14	c.	c.	PROPN
bjmsr-2231	276	15	(	(	PUNCT
bjmsr-2231	276	16	2020	2020	NUM
bjmsr-2231	276	17	)	)	PUNCT
bjmsr-2231	276	18	.	.	PUNCT
bjmsr-2231	277	1	digital	digital	ADJ
bjmsr-2231	277	2	financial	financial	ADJ
bjmsr-2231	277	3	services	service	NOUN
bjmsr-2231	277	4	and	and	CCONJ
bjmsr-2231	277	5	the	the	DET
bjmsr-2231	277	6	pandemic	pandemic	ADJ
bjmsr-2231	277	7	:	:	PUNCT
bjmsr-2231	277	8	opportunities	opportunity	NOUN
bjmsr-2231	277	9	and	and	CCONJ
bjmsr-2231	277	10	risks	risk	NOUN
bjmsr-2231	277	11	for	for	ADP
bjmsr-2231	277	12	emerging	emerge	VERB
bjmsr-2231	277	13	and	and	CCONJ
bjmsr-2231	277	14	developing	develop	VERB
bjmsr-2231	277	15	economies	economy	NOUN
bjmsr-2231	277	16	.	.	PUNCT
bjmsr-2231	278	1	international	international	ADJ
bjmsr-2231	278	2	monetary	monetary	ADJ
bjmsr-2231	278	3	fund	fund	PROPN
bjmsr-2231	278	4	special	special	ADJ
bjmsr-2231	278	5	series	series	NOUN
bjmsr-2231	278	6	on	on	ADP
bjmsr-2231	278	7	covid-19	covid-19	PROPN
bjmsr-2231	278	8	,	,	PUNCT
bjmsr-2231	278	9	transactions	transaction	NOUN
bjmsr-2231	278	10	,	,	PUNCT
bjmsr-2231	278	11	1	1	NUM
bjmsr-2231	278	12	,	,	PUNCT
bjmsr-2231	278	13	2	2	NUM
bjmsr-2231	278	14	-	-	SYM
bjmsr-2231	278	15	1	1	NUM
bjmsr-2231	278	16	.	.	NOUN
bjmsr-2231	278	17	braun	braun	NOUN
bjmsr-2231	278	18	,	,	PUNCT
bjmsr-2231	278	19	v.	v.	PROPN
bjmsr-2231	278	20	,	,	PUNCT
bjmsr-2231	278	21	&	&	CCONJ
bjmsr-2231	278	22	clarke	clarke	PROPN
bjmsr-2231	278	23	,	,	PUNCT
bjmsr-2231	278	24	v.	v.	PROPN
bjmsr-2231	278	25	(	(	PUNCT
bjmsr-2231	278	26	2016	2016	NUM
bjmsr-2231	278	27	)	)	PUNCT
bjmsr-2231	278	28	.	.	PUNCT
bjmsr-2231	279	1	(	(	PUNCT
bjmsr-2231	279	2	mis	mis	X
bjmsr-2231	279	3	)	)	PUNCT
bjmsr-2231	279	4	conceptualising	conceptualise	VERB
bjmsr-2231	279	5	themes	theme	NOUN
bjmsr-2231	279	6	,	,	PUNCT
bjmsr-2231	279	7	thematic	thematic	ADJ
bjmsr-2231	279	8	analysis	analysis	NOUN
bjmsr-2231	279	9	,	,	PUNCT
bjmsr-2231	279	10	and	and	CCONJ
bjmsr-2231	279	11	other	other	ADJ
bjmsr-2231	279	12	problems	problem	NOUN
bjmsr-2231	279	13	with	with	ADP
bjmsr-2231	279	14	fugard	fugard	NOUN
bjmsr-2231	279	15	and	and	CCONJ
bjmsr-2231	279	16	potts	potts	PROPN
bjmsr-2231	279	17	’	'	PUNCT
bjmsr-2231	279	18	(	(	PUNCT
bjmsr-2231	279	19	2015	2015	NUM
bjmsr-2231	279	20	)	)	PUNCT
bjmsr-2231	279	21	sample	sample	NOUN
bjmsr-2231	279	22	-	-	PUNCT
bjmsr-2231	279	23	size	size	NOUN
bjmsr-2231	279	24	tool	tool	NOUN
bjmsr-2231	279	25	for	for	ADP
bjmsr-2231	279	26	thematic	thematic	ADJ
bjmsr-2231	279	27	analysis	analysis	NOUN
bjmsr-2231	279	28	.	.	PUNCT
bjmsr-2231	280	1	international	international	ADJ
bjmsr-2231	280	2	journal	journal	NOUN
bjmsr-2231	280	3	of	of	ADP
bjmsr-2231	280	4	social	social	ADJ
bjmsr-2231	280	5	research	research	NOUN
bjmsr-2231	280	6	methodology	methodology	NOUN
bjmsr-2231	280	7	,	,	PUNCT
bjmsr-2231	280	8	19(6	19(6	NUM
bjmsr-2231	280	9	)	)	PUNCT
bjmsr-2231	280	10	,	,	PUNCT
bjmsr-2231	280	11	739	739	NUM
bjmsr-2231	280	12	-	-	SYM
bjmsr-2231	280	13	743	743	NUM
bjmsr-2231	280	14	.	.	PUNCT
bjmsr-2231	281	1	castleberry	castleberry	PROPN
bjmsr-2231	281	2	,	,	PUNCT
bjmsr-2231	281	3	a.	a.	PROPN
bjmsr-2231	281	4	,	,	PUNCT
bjmsr-2231	281	5	&	&	CCONJ
bjmsr-2231	281	6	nolen	nolen	PROPN
bjmsr-2231	281	7	,	,	PUNCT
bjmsr-2231	281	8	a.	a.	NOUN
bjmsr-2231	281	9	(	(	PUNCT
bjmsr-2231	281	10	2018	2018	NUM
bjmsr-2231	281	11	)	)	PUNCT
bjmsr-2231	281	12	.	.	PUNCT
bjmsr-2231	282	1	thematic	thematic	ADJ
bjmsr-2231	282	2	analysis	analysis	NOUN
bjmsr-2231	282	3	of	of	ADP
bjmsr-2231	282	4	qualitative	qualitative	ADJ
bjmsr-2231	282	5	research	research	NOUN
bjmsr-2231	282	6	data	datum	NOUN
bjmsr-2231	282	7	:	:	PUNCT
bjmsr-2231	282	8	is	be	AUX
bjmsr-2231	282	9	it	it	PRON
bjmsr-2231	282	10	as	as	ADV
bjmsr-2231	282	11	easy	easy	ADJ
bjmsr-2231	282	12	as	as	SCONJ
bjmsr-2231	282	13	it	it	PRON
bjmsr-2231	282	14	sounds	sound	VERB
bjmsr-2231	282	15	?	?	PUNCT
bjmsr-2231	283	1	currents	current	NOUN
bjmsr-2231	283	2	in	in	ADP
bjmsr-2231	283	3	pharmacy	pharmacy	NOUN
bjmsr-2231	283	4	teaching	teaching	NOUN
bjmsr-2231	283	5	and	and	CCONJ
bjmsr-2231	283	6	learning	learning	NOUN
bjmsr-2231	283	7	,	,	PUNCT
bjmsr-2231	283	8	10(6	10(6	PROPN
bjmsr-2231	283	9	)	)	PUNCT
bjmsr-2231	283	10	,	,	PUNCT
bjmsr-2231	283	11	807	807	NUM
bjmsr-2231	283	12	-	-	SYM
bjmsr-2231	283	13	815	815	NUM
bjmsr-2231	283	14	.	.	PUNCT
bjmsr-2231	284	1	chua	chua	PROPN
bjmsr-2231	284	2	,	,	PUNCT
bjmsr-2231	284	3	j.	j.	PROPN
bjmsr-2231	284	4	j.	j.	PROPN
bjmsr-2231	284	5	,	,	PUNCT
bjmsr-2231	284	6	wang	wang	PROPN
bjmsr-2231	284	7	,	,	PUNCT
bjmsr-2231	284	8	a.	a.	PROPN
bjmsr-2231	284	9	,	,	PUNCT
bjmsr-2231	284	10	&	&	CCONJ
bjmsr-2231	284	11	ling	ling	PROPN
bjmsr-2231	284	12	,	,	PUNCT
bjmsr-2231	284	13	p.	p.	NOUN
bjmsr-2231	284	14	(	(	PUNCT
bjmsr-2231	284	15	2019	2019	NUM
bjmsr-2231	284	16	)	)	PUNCT
bjmsr-2231	284	17	.	.	PUNCT
bjmsr-2231	285	1	acceptance	acceptance	NOUN
bjmsr-2231	285	2	of	of	ADP
bjmsr-2231	285	3	wechat	wechat	NOUN
bjmsr-2231	285	4	pay	pay	VERB
bjmsr-2231	285	5	among	among	ADP
bjmsr-2231	285	6	consumers	consumer	NOUN
bjmsr-2231	285	7	in	in	ADP
bjmsr-2231	285	8	malaysia	malaysia	PROPN
bjmsr-2231	285	9	.	.	PUNCT
bjmsr-2231	286	1	inti	inti	PROPN
bjmsr-2231	286	2	journal	journal	PROPN
bjmsr-2231	286	3	,	,	PUNCT
bjmsr-2231	286	4	2019(48	2019(48	NUM
bjmsr-2231	286	5	)	)	PUNCT
bjmsr-2231	286	6	.	.	PUNCT
bjmsr-2231	287	1	retrieved	retrieve	VERB
bjmsr-2231	287	2	from	from	ADP
bjmsr-2231	287	3	http://intijournal.newinti.edu.my	http://intijournal.newinti.edu.my	PROPN
bjmsr-2231	287	4	devi	devi	PROPN
bjmsr-2231	287	5	,	,	PUNCT
bjmsr-2231	287	6	b.	b.	PROPN
bjmsr-2231	287	7	,	,	PUNCT
bjmsr-2231	287	8	&	&	CCONJ
bjmsr-2231	287	9	singh	singh	PROPN
bjmsr-2231	287	10	,	,	PUNCT
bjmsr-2231	287	11	c.	c.	PROPN
bjmsr-2231	287	12	(	(	PUNCT
bjmsr-2231	287	13	2022	2022	NUM
bjmsr-2231	287	14	)	)	PUNCT
bjmsr-2231	287	15	.	.	PUNCT
bjmsr-2231	288	1	potential	potential	ADJ
bjmsr-2231	288	2	impact	impact	NOUN
bjmsr-2231	288	3	of	of	ADP
bjmsr-2231	288	4	covid-19	covid-19	PROPN
bjmsr-2231	288	5	on	on	ADP
bjmsr-2231	288	6	occupational	occupational	ADJ
bjmsr-2231	288	7	status	status	NOUN
bjmsr-2231	288	8	,	,	PUNCT
bjmsr-2231	288	9	mobility	mobility	NOUN
bjmsr-2231	288	10	and	and	CCONJ
bjmsr-2231	288	11	digital	digital	ADJ
bjmsr-2231	288	12	payment	payment	NOUN
bjmsr-2231	288	13	system	system	NOUN
bjmsr-2231	288	14	in	in	ADP
bjmsr-2231	288	15	india	india	PROPN
bjmsr-2231	288	16	.	.	PUNCT
bjmsr-2231	289	1	pragati	pragati	PROPN
bjmsr-2231	289	2	:	:	PUNCT
bjmsr-2231	289	3	journal	journal	PROPN
bjmsr-2231	289	4	of	of	ADP
bjmsr-2231	289	5	indian	indian	ADJ
bjmsr-2231	289	6	economy	economy	NOUN
bjmsr-2231	289	7	,	,	PUNCT
bjmsr-2231	289	8	9(1	9(1	NUM
bjmsr-2231	289	9	)	)	PUNCT
bjmsr-2231	289	10	,	,	PUNCT
bjmsr-2231	289	11	125	125	NUM
bjmsr-2231	289	12	-	-	SYM
bjmsr-2231	289	13	139	139	NUM
bjmsr-2231	289	14	.	.	PUNCT
bjmsr-2231	290	1	el	el	PROPN
bjmsr-2231	290	2	haddad	haddad	PROPN
bjmsr-2231	290	3	,	,	PUNCT
bjmsr-2231	290	4	g.	g.	PROPN
bjmsr-2231	290	5	,	,	PUNCT
bjmsr-2231	290	6	aimeur	aimeur	PROPN
bjmsr-2231	290	7	,	,	PUNCT
bjmsr-2231	290	8	e.	e.	PROPN
bjmsr-2231	290	9	,	,	PUNCT
bjmsr-2231	290	10	&	&	CCONJ
bjmsr-2231	290	11	hage	hage	PROPN
bjmsr-2231	290	12	,	,	PUNCT
bjmsr-2231	290	13	h.	h.	PROPN
bjmsr-2231	290	14	(	(	PUNCT
bjmsr-2231	290	15	2018	2018	NUM
bjmsr-2231	290	16	)	)	PUNCT
bjmsr-2231	290	17	.	.	PUNCT
bjmsr-2231	291	1	understanding	understand	VERB
bjmsr-2231	291	2	trust	trust	PROPN
bjmsr-2231	291	3	,	,	PUNCT
bjmsr-2231	291	4	privacy	privacy	NOUN
bjmsr-2231	291	5	and	and	CCONJ
bjmsr-2231	291	6	financial	financial	ADJ
bjmsr-2231	291	7	fears	fear	NOUN
bjmsr-2231	291	8	in	in	ADP
bjmsr-2231	291	9	online	online	ADJ
bjmsr-2231	291	10	payment	payment	NOUN
bjmsr-2231	291	11	.	.	PUNCT
bjmsr-2231	292	1	in	in	ADP
bjmsr-2231	292	2	2018	2018	NUM
bjmsr-2231	292	3	17th	17th	NOUN
bjmsr-2231	292	4	ieee	ieee	NOUN
bjmsr-2231	292	5	international	international	ADJ
bjmsr-2231	292	6	conference	conference	NOUN
bjmsr-2231	292	7	on	on	ADP
bjmsr-2231	292	8	trust	trust	NOUN
bjmsr-2231	292	9	,	,	PUNCT
bjmsr-2231	292	10	security	security	NOUN
bjmsr-2231	292	11	and	and	CCONJ
bjmsr-2231	292	12	privacy	privacy	NOUN
bjmsr-2231	292	13	in	in	ADP
bjmsr-2231	292	14	computing	computing	NOUN
bjmsr-2231	292	15	and	and	CCONJ
bjmsr-2231	292	16	communications/12th	communications/12th	NOUN
bjmsr-2231	292	17	ieee	ieee	NOUN
bjmsr-2231	292	18	international	international	ADJ
bjmsr-2231	292	19	conference	conference	NOUN
bjmsr-2231	292	20	on	on	ADP
bjmsr-2231	292	21	big	big	ADJ
bjmsr-2231	292	22	data	datum	NOUN
bjmsr-2231	292	23	science	science	NOUN
bjmsr-2231	292	24	and	and	CCONJ
bjmsr-2231	292	25	engineering	engineering	NOUN
bjmsr-2231	292	26	(	(	PUNCT
bjmsr-2231	292	27	trustcom	trustcom	NOUN
bjmsr-2231	292	28	/	/	SYM
bjmsr-2231	292	29	bigdatase	bigdatase	NOUN
bjmsr-2231	292	30	)	)	PUNCT
bjmsr-2231	292	31	(	(	PUNCT
bjmsr-2231	292	32	pp	pp	X
bjmsr-2231	292	33	.	.	PUNCT
bjmsr-2231	293	1	28	28	NUM
bjmsr-2231	293	2	-	-	SYM
bjmsr-2231	293	3	36	36	NUM
bjmsr-2231	293	4	)	)	PUNCT
bjmsr-2231	293	5	.	.	PUNCT
bjmsr-2231	294	1	ieee	ieee	PROPN
bjmsr-2231	294	2	.	.	PUNCT
bjmsr-2231	295	1	ghosh	ghosh	PROPN
bjmsr-2231	295	2	,	,	PUNCT
bjmsr-2231	295	3	n.	n.	PROPN
bjmsr-2231	295	4	,	,	PUNCT
bjmsr-2231	295	5	choudhury	choudhury	PROPN
bjmsr-2231	295	6	,	,	PUNCT
bjmsr-2231	295	7	p.	p.	PROPN
bjmsr-2231	295	8	,	,	PUNCT
bjmsr-2231	295	9	kaushik	kaushik	PROPN
bjmsr-2231	295	10	,	,	PUNCT
bjmsr-2231	295	11	s.	s.	PROPN
bjmsr-2231	295	12	r.	r.	PROPN
bjmsr-2231	295	13	,	,	PUNCT
bjmsr-2231	295	14	arya	arya	PROPN
bjmsr-2231	295	15	,	,	PUNCT
bjmsr-2231	295	16	r.	r.	PROPN
bjmsr-2231	295	17	,	,	PUNCT
bjmsr-2231	295	18	nanda	nanda	PROPN
bjmsr-2231	295	19	,	,	PUNCT
bjmsr-2231	295	20	r.	r.	PROPN
bjmsr-2231	295	21	,	,	PUNCT
bjmsr-2231	295	22	bhattacharyya	bhattacharyya	ADJ
bjmsr-2231	295	23	,	,	PUNCT
bjmsr-2231	295	24	p.	p.	NOUN
bjmsr-2231	295	25	,	,	PUNCT
bjmsr-2231	295	26	...	...	PUNCT
bjmsr-2231	295	27	&	&	CCONJ
bjmsr-2231	295	28	chaudhury	chaudhury	PROPN
bjmsr-2231	295	29	,	,	PUNCT
bjmsr-2231	295	30	k.	k.	PROPN
bjmsr-2231	295	31	(	(	PUNCT
bjmsr-2231	295	32	2020	2020	NUM
bjmsr-2231	295	33	)	)	PUNCT
bjmsr-2231	295	34	.	.	PUNCT
bjmsr-2231	296	1	metabolomic	metabolomic	ADJ
bjmsr-2231	296	2	fingerprinting	fingerprinting	NOUN
bjmsr-2231	296	3	and	and	CCONJ
bjmsr-2231	296	4	systemic	systemic	ADJ
bjmsr-2231	296	5	inflammatory	inflammatory	ADJ
bjmsr-2231	296	6	profiling	profiling	NOUN
bjmsr-2231	296	7	of	of	ADP
bjmsr-2231	296	8	asthma	asthma	NOUN
bjmsr-2231	296	9	copd	copd	PROPN
bjmsr-2231	296	10	overlap	overlap	PROPN
bjmsr-2231	296	11	(	(	PUNCT
bjmsr-2231	296	12	aco	aco	PROPN
bjmsr-2231	296	13	)	)	PUNCT
bjmsr-2231	296	14	.	.	PUNCT
bjmsr-2231	297	1	respiratory	respiratory	ADJ
bjmsr-2231	297	2	research	research	NOUN
bjmsr-2231	297	3	,	,	PUNCT
bjmsr-2231	297	4	21	21	NUM
bjmsr-2231	297	5	,	,	PUNCT
bjmsr-2231	297	6	1	1	NUM
bjmsr-2231	297	7	-	-	SYM
bjmsr-2231	297	8	16	16	NUM
bjmsr-2231	297	9	.	.	PUNCT
bjmsr-2231	298	1	guest	guest	NOUN
bjmsr-2231	298	2	,	,	PUNCT
bjmsr-2231	298	3	g.	g.	PROPN
bjmsr-2231	298	4	,	,	PUNCT
bjmsr-2231	298	5	macqueen	macqueen	PROPN
bjmsr-2231	298	6	,	,	PUNCT
bjmsr-2231	298	7	k.	k.	PROPN
bjmsr-2231	298	8	m.	m.	PROPN
bjmsr-2231	298	9	,	,	PUNCT
bjmsr-2231	298	10	&	&	CCONJ
bjmsr-2231	298	11	namey	namey	PROPN
bjmsr-2231	298	12	,	,	PUNCT
bjmsr-2231	298	13	e.	e.	PROPN
bjmsr-2231	298	14	e.	e.	PROPN
bjmsr-2231	298	15	(	(	PUNCT
bjmsr-2231	298	16	2012	2012	NUM
bjmsr-2231	298	17	)	)	PUNCT
bjmsr-2231	298	18	.	.	PUNCT
bjmsr-2231	299	1	applied	apply	VERB
bjmsr-2231	299	2	thematic	thematic	ADJ
bjmsr-2231	299	3	analysis	analysis	NOUN
bjmsr-2231	299	4	.	.	PUNCT
bjmsr-2231	300	1	sage	sage	NOUN
bjmsr-2231	300	2	.	.	PUNCT
bjmsr-2231	301	1	gutierrez	gutierrez	NOUN
bjmsr-2231	301	2	-	-	PUNCT
bjmsr-2231	301	3	leefmans	leefman	NOUN
bjmsr-2231	301	4	,	,	PUNCT
bjmsr-2231	301	5	m.	m.	NOUN
bjmsr-2231	301	6	,	,	PUNCT
bjmsr-2231	301	7	&	&	CCONJ
bjmsr-2231	301	8	adewale	adewale	PROPN
bjmsr-2231	301	9	olaleye	olaleye	PROPN
bjmsr-2231	301	10	,	,	PUNCT
bjmsr-2231	301	11	s.	s.	PROPN
bjmsr-2231	301	12	(	(	PUNCT
bjmsr-2231	301	13	2021	2021	NUM
bjmsr-2231	301	14	)	)	PUNCT
bjmsr-2231	301	15	.	.	PUNCT
bjmsr-2231	302	1	social	social	ADJ
bjmsr-2231	302	2	influence	influence	NOUN
bjmsr-2231	302	3	and	and	CCONJ
bjmsr-2231	302	4	mpos	mpos	NOUN
bjmsr-2231	302	5	use	use	NOUN
bjmsr-2231	302	6	:	:	PUNCT
bjmsr-2231	302	7	the	the	DET
bjmsr-2231	302	8	effects	effect	NOUN
bjmsr-2231	302	9	of	of	ADP
bjmsr-2231	302	10	gender	gender	NOUN
bjmsr-2231	302	11	.	.	PUNCT
bjmsr-2231	303	1	journal	journal	PROPN
bjmsr-2231	303	2	of	of	ADP
bjmsr-2231	303	3	technology	technology	PROPN
bjmsr-2231	303	4	management	management	NOUN
bjmsr-2231	303	5	&	&	CCONJ
bjmsr-2231	303	6	innovation	innovation	NOUN
bjmsr-2231	303	7	,	,	PUNCT
bjmsr-2231	303	8	16(4	16(4	NUM
bjmsr-2231	303	9	)	)	PUNCT
bjmsr-2231	303	10	,	,	PUNCT
bjmsr-2231	303	11	3	3	NUM
bjmsr-2231	303	12	-	-	SYM
bjmsr-2231	303	13	10	10	NUM
bjmsr-2231	303	14	.	.	PUNCT
bjmsr-2231	304	1	han	han	PROPN
bjmsr-2231	304	2	,	,	PUNCT
bjmsr-2231	304	3	b.	b.	PROPN
bjmsr-2231	304	4	o.	o.	PROPN
bjmsr-2231	304	5	,	,	PUNCT
bjmsr-2231	304	6	&	&	CCONJ
bjmsr-2231	304	7	windsor	windsor	PROPN
bjmsr-2231	304	8	,	,	PUNCT
bjmsr-2231	304	9	j.	j.	PROPN
bjmsr-2231	304	10	(	(	PUNCT
bjmsr-2231	304	11	2011	2011	NUM
bjmsr-2231	304	12	)	)	PUNCT
bjmsr-2231	304	13	.	.	PUNCT
bjmsr-2231	305	1	user	user	NOUN
bjmsr-2231	305	2	's	's	PART
bjmsr-2231	305	3	willingness	willingness	NOUN
bjmsr-2231	305	4	to	to	PART
bjmsr-2231	305	5	pay	pay	VERB
bjmsr-2231	305	6	on	on	ADP
bjmsr-2231	305	7	social	social	ADJ
bjmsr-2231	305	8	network	network	NOUN
bjmsr-2231	305	9	sites	site	NOUN
bjmsr-2231	305	10	.	.	PUNCT
bjmsr-2231	306	1	journal	journal	NOUN
bjmsr-2231	306	2	of	of	ADP
bjmsr-2231	306	3	computer	computer	NOUN
bjmsr-2231	306	4	information	information	NOUN
bjmsr-2231	306	5	systems	system	NOUN
bjmsr-2231	306	6	,	,	PUNCT
bjmsr-2231	306	7	51(4	51(4	NUM
bjmsr-2231	306	8	)	)	PUNCT
bjmsr-2231	306	9	,	,	PUNCT
bjmsr-2231	306	10	31	31	NUM
bjmsr-2231	306	11	-	-	SYM
bjmsr-2231	306	12	40	40	NUM
bjmsr-2231	306	13	.	.	PUNCT
bjmsr-2231	307	1	pandey	pandey	PROPN
bjmsr-2231	307	2	et	et	PROPN
bjmsr-2231	307	3	al	al	PROPN
bjmsr-2231	307	4	.	.	PROPN
bjmsr-2231	307	5	,	,	PUNCT
bjmsr-2231	307	6	bangladesh	bangladesh	PROPN
bjmsr-2231	307	7	journal	journal	NOUN
bjmsr-2231	307	8	of	of	ADP
bjmsr-2231	307	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	307	10	scientific	scientific	ADJ
bjmsr-2231	307	11	research	research	NOUN
bjmsr-2231	307	12	9(3	9(3	NUM
bjmsr-2231	307	13	)	)	PUNCT
bjmsr-2231	307	14	(	(	PUNCT
bjmsr-2231	307	15	2024	2024	NUM
bjmsr-2231	307	16	)	)	PUNCT
bjmsr-2231	307	17	,	,	PUNCT
bjmsr-2231	307	18	33	33	NUM
bjmsr-2231	307	19	-	-	SYM
bjmsr-2231	307	20	41	41	NUM
bjmsr-2231	307	21	40	40	NUM
bjmsr-2231	307	22	he	he	PRON
bjmsr-2231	307	23	,	,	PUNCT
bjmsr-2231	307	24	x.	x.	PROPN
bjmsr-2231	307	25	,	,	PUNCT
bjmsr-2231	307	26	lau	lau	PROPN
bjmsr-2231	307	27	,	,	PUNCT
bjmsr-2231	307	28	e.	e.	PROPN
bjmsr-2231	307	29	h.	h.	PROPN
bjmsr-2231	307	30	,	,	PUNCT
bjmsr-2231	307	31	wu	wu	PROPN
bjmsr-2231	307	32	,	,	PUNCT
bjmsr-2231	307	33	p.	p.	PROPN
bjmsr-2231	307	34	,	,	PUNCT
bjmsr-2231	307	35	deng	deng	PROPN
bjmsr-2231	307	36	,	,	PUNCT
bjmsr-2231	307	37	x.	x.	PROPN
bjmsr-2231	307	38	,	,	PUNCT
bjmsr-2231	307	39	wang	wang	PROPN
bjmsr-2231	307	40	,	,	PUNCT
bjmsr-2231	307	41	j.	j.	PROPN
bjmsr-2231	307	42	,	,	PUNCT
bjmsr-2231	307	43	hao	hao	PROPN
bjmsr-2231	307	44	,	,	PUNCT
bjmsr-2231	307	45	x.	x.	PROPN
bjmsr-2231	307	46	,	,	PUNCT
bjmsr-2231	307	47	&	&	CCONJ
bjmsr-2231	307	48	leung	leung	PROPN
bjmsr-2231	307	49	,	,	PUNCT
bjmsr-2231	307	50	g.	g.	PROPN
bjmsr-2231	307	51	m.	m.	PROPN
bjmsr-2231	307	52	(	(	PUNCT
bjmsr-2231	307	53	2020	2020	NUM
bjmsr-2231	307	54	)	)	PUNCT
bjmsr-2231	307	55	.	.	PUNCT
bjmsr-2231	308	1	temporal	temporal	ADJ
bjmsr-2231	308	2	dynamics	dynamic	NOUN
bjmsr-2231	308	3	in	in	ADP
bjmsr-2231	308	4	viral	viral	ADJ
bjmsr-2231	308	5	shedding	shedding	NOUN
bjmsr-2231	308	6	and	and	CCONJ
bjmsr-2231	308	7	transmissibility	transmissibility	NOUN
bjmsr-2231	308	8	of	of	ADP
bjmsr-2231	308	9	covid-19	covid-19	PROPN
bjmsr-2231	308	10	.	.	PUNCT
bjmsr-2231	309	1	nature	nature	PROPN
bjmsr-2231	309	2	medicine	medicine	NOUN
bjmsr-2231	309	3	,	,	PUNCT
bjmsr-2231	309	4	26(5	26(5	NUM
bjmsr-2231	309	5	)	)	PUNCT
bjmsr-2231	309	6	,	,	PUNCT
bjmsr-2231	309	7	672	672	NUM
bjmsr-2231	309	8	-	-	SYM
bjmsr-2231	309	9	675	675	NUM
bjmsr-2231	309	10	.	.	PUNCT
bjmsr-2231	310	1	https://doi.org/10.1038/s41591-020-1016-z	https://doi.org/10.1038/s41591-020-1016-z	NOUN
bjmsr-2231	310	2	hennink	hennink	ADJ
bjmsr-2231	310	3	,	,	PUNCT
bjmsr-2231	310	4	m.	m.	NOUN
bjmsr-2231	310	5	,	,	PUNCT
bjmsr-2231	310	6	&	&	CCONJ
bjmsr-2231	310	7	kaiser	kaiser	PROPN
bjmsr-2231	310	8	,	,	PUNCT
bjmsr-2231	310	9	b.	b.	PROPN
bjmsr-2231	310	10	n.	n.	PROPN
bjmsr-2231	310	11	(	(	PUNCT
bjmsr-2231	310	12	2022	2022	NUM
bjmsr-2231	310	13	)	)	PUNCT
bjmsr-2231	310	14	.	.	PUNCT
bjmsr-2231	311	1	sample	sample	NOUN
bjmsr-2231	311	2	sizes	size	NOUN
bjmsr-2231	311	3	for	for	ADP
bjmsr-2231	311	4	saturation	saturation	NOUN
bjmsr-2231	311	5	in	in	ADP
bjmsr-2231	311	6	qualitative	qualitative	ADJ
bjmsr-2231	311	7	research	research	NOUN
bjmsr-2231	311	8	:	:	PUNCT
bjmsr-2231	311	9	a	a	DET
bjmsr-2231	311	10	systematic	systematic	ADJ
bjmsr-2231	311	11	review	review	NOUN
bjmsr-2231	311	12	of	of	ADP
bjmsr-2231	311	13	empirical	empirical	ADJ
bjmsr-2231	311	14	tests	test	NOUN
bjmsr-2231	311	15	.	.	PUNCT
bjmsr-2231	312	1	social	social	ADJ
bjmsr-2231	312	2	science	science	PROPN
bjmsr-2231	312	3	&	&	CCONJ
bjmsr-2231	312	4	medicine	medicine	NOUN
bjmsr-2231	312	5	,	,	PUNCT
bjmsr-2231	312	6	292	292	NUM
bjmsr-2231	312	7	,	,	PUNCT
bjmsr-2231	312	8	114523	114523	NUM
bjmsr-2231	312	9	.	.	PUNCT
bjmsr-2231	313	1	horn	horn	NOUN
bjmsr-2231	313	2	,	,	PUNCT
bjmsr-2231	313	3	m.	m.	NOUN
bjmsr-2231	313	4	,	,	PUNCT
bjmsr-2231	313	5	oehler	oehler	NOUN
bjmsr-2231	313	6	,	,	PUNCT
bjmsr-2231	313	7	a.	a.	PROPN
bjmsr-2231	313	8	,	,	PUNCT
bjmsr-2231	313	9	&	&	CCONJ
bjmsr-2231	313	10	wendt	wendt	PROPN
bjmsr-2231	313	11	,	,	PUNCT
bjmsr-2231	313	12	s.	s.	PROPN
bjmsr-2231	313	13	(	(	PUNCT
bjmsr-2231	313	14	2020	2020	NUM
bjmsr-2231	313	15	)	)	PUNCT
bjmsr-2231	313	16	.	.	PUNCT
bjmsr-2231	314	1	fintech	fintech	NOUN
bjmsr-2231	314	2	for	for	ADP
bjmsr-2231	314	3	consumers	consumer	NOUN
bjmsr-2231	314	4	and	and	CCONJ
bjmsr-2231	314	5	retail	retail	ADJ
bjmsr-2231	314	6	investors	investor	NOUN
bjmsr-2231	314	7	:	:	PUNCT
bjmsr-2231	314	8	opportunities	opportunity	NOUN
bjmsr-2231	314	9	and	and	CCONJ
bjmsr-2231	314	10	risks	risk	NOUN
bjmsr-2231	314	11	of	of	ADP
bjmsr-2231	314	12	digital	digital	ADJ
bjmsr-2231	314	13	payment	payment	NOUN
bjmsr-2231	314	14	and	and	CCONJ
bjmsr-2231	314	15	investment	investment	NOUN
bjmsr-2231	314	16	services	service	NOUN
bjmsr-2231	314	17	.	.	PUNCT
bjmsr-2231	315	1	ecological	ecological	ADJ
bjmsr-2231	315	2	,	,	PUNCT
bjmsr-2231	315	3	societal	societal	ADJ
bjmsr-2231	315	4	,	,	PUNCT
bjmsr-2231	315	5	and	and	CCONJ
bjmsr-2231	315	6	technological	technological	ADJ
bjmsr-2231	315	7	risks	risk	NOUN
bjmsr-2231	315	8	and	and	CCONJ
bjmsr-2231	315	9	the	the	DET
bjmsr-2231	315	10	financial	financial	ADJ
bjmsr-2231	315	11	sector	sector	NOUN
bjmsr-2231	315	12	,	,	PUNCT
bjmsr-2231	315	13	309	309	NUM
bjmsr-2231	315	14	-	-	SYM
bjmsr-2231	315	15	327	327	NUM
bjmsr-2231	315	16	.	.	PUNCT
bjmsr-2231	316	1	https://doi.org/10.1007/978-3-030-38858-4_14	https://doi.org/10.1007/978-3-030-38858-4_14	PROPN
bjmsr-2231	316	2	huang	huang	PROPN
bjmsr-2231	316	3	,	,	PUNCT
bjmsr-2231	316	4	w.	w.	PROPN
bjmsr-2231	316	5	,	,	PUNCT
bjmsr-2231	316	6	&	&	CCONJ
bjmsr-2231	316	7	tang	tang	PROPN
bjmsr-2231	316	8	,	,	PUNCT
bjmsr-2231	316	9	j.	j.	PROPN
bjmsr-2231	316	10	(	(	PUNCT
bjmsr-2231	316	11	2015	2015	NUM
bjmsr-2231	316	12	)	)	PUNCT
bjmsr-2231	316	13	.	.	PUNCT
bjmsr-2231	317	1	explore	explore	VERB
bjmsr-2231	317	2	the	the	DET
bjmsr-2231	317	3	development	development	NOUN
bjmsr-2231	317	4	of	of	ADP
bjmsr-2231	317	5	wechat	wechat	NOUN
bjmsr-2231	317	6	payment	payment	NOUN
bjmsr-2231	317	7	from	from	ADP
bjmsr-2231	317	8	user	user	NOUN
bjmsr-2231	317	9	behavior	behavior	NOUN
bjmsr-2231	317	10	.	.	PUNCT
bjmsr-2231	318	1	in	in	ADP
bjmsr-2231	318	2	2015	2015	NUM
bjmsr-2231	318	3	ieee	ieee	NOUN
bjmsr-2231	318	4	/	/	SYM
bjmsr-2231	318	5	wic	wic	NOUN
bjmsr-2231	318	6	/	/	SYM
bjmsr-2231	318	7	acm	acm	PROPN
bjmsr-2231	318	8	international	international	ADJ
bjmsr-2231	318	9	conference	conference	NOUN
bjmsr-2231	318	10	on	on	ADP
bjmsr-2231	318	11	web	web	NOUN
bjmsr-2231	318	12	intelligence	intelligence	NOUN
bjmsr-2231	318	13	and	and	CCONJ
bjmsr-2231	318	14	intelligent	intelligent	ADJ
bjmsr-2231	318	15	agent	agent	NOUN
bjmsr-2231	318	16	technology	technology	NOUN
bjmsr-2231	318	17	(	(	PUNCT
bjmsr-2231	318	18	wi	wi	PROPN
bjmsr-2231	318	19	-	-	PUNCT
bjmsr-2231	318	20	iat	iat	PROPN
bjmsr-2231	318	21	)	)	PUNCT
bjmsr-2231	318	22	(	(	PUNCT
bjmsr-2231	318	23	vol	vol	NOUN
bjmsr-2231	318	24	.	.	PROPN
bjmsr-2231	318	25	3	3	NUM
bjmsr-2231	318	26	,	,	PUNCT
bjmsr-2231	318	27	pp	pp	ADJ
bjmsr-2231	318	28	.	.	PUNCT
bjmsr-2231	319	1	118	118	NUM
bjmsr-2231	319	2	-	-	SYM
bjmsr-2231	319	3	121	121	NUM
bjmsr-2231	319	4	)	)	PUNCT
bjmsr-2231	319	5	.	.	PUNCT
bjmsr-2231	320	1	ieee	ieee	PROPN
bjmsr-2231	320	2	.	.	PUNCT
bjmsr-2231	321	1	johnson	johnson	PROPN
bjmsr-2231	321	2	,	,	PUNCT
bjmsr-2231	321	3	m.	m.	NOUN
bjmsr-2231	321	4	(	(	PUNCT
bjmsr-2231	321	5	2023	2023	NUM
bjmsr-2231	321	6	)	)	PUNCT
bjmsr-2231	321	7	.	.	PUNCT
bjmsr-2231	322	1	mobile	mobile	ADJ
bjmsr-2231	322	2	technology	technology	NOUN
bjmsr-2231	322	3	and	and	CCONJ
bjmsr-2231	322	4	the	the	DET
bjmsr-2231	322	5	future	future	NOUN
bjmsr-2231	322	6	of	of	ADP
bjmsr-2231	322	7	digital	digital	ADJ
bjmsr-2231	322	8	banking	banking	NOUN
bjmsr-2231	322	9	.	.	PUNCT
bjmsr-2231	323	1	journal	journal	PROPN
bjmsr-2231	323	2	of	of	ADP
bjmsr-2231	323	3	financial	financial	ADJ
bjmsr-2231	323	4	services	service	NOUN
bjmsr-2231	323	5	,	,	PUNCT
bjmsr-2231	323	6	45(2	45(2	NOUN
bjmsr-2231	323	7	)	)	PUNCT
bjmsr-2231	323	8	,	,	PUNCT
bjmsr-2231	323	9	123	123	NUM
bjmsr-2231	323	10	-	-	SYM
bjmsr-2231	323	11	145	145	NUM
bjmsr-2231	323	12	.	.	PUNCT
bjmsr-2231	324	1	kaplan	kaplan	PROPN
bjmsr-2231	324	2	,	,	PUNCT
bjmsr-2231	324	3	a.	a.	NOUN
bjmsr-2231	324	4	m.	m.	NOUN
bjmsr-2231	324	5	,	,	PUNCT
bjmsr-2231	324	6	&	&	CCONJ
bjmsr-2231	324	7	haenlein	haenlein	ADV
bjmsr-2231	324	8	,	,	PUNCT
bjmsr-2231	324	9	m.	m.	NOUN
bjmsr-2231	324	10	(	(	PUNCT
bjmsr-2231	324	11	2009	2009	NUM
bjmsr-2231	324	12	)	)	PUNCT
bjmsr-2231	324	13	.	.	PUNCT
bjmsr-2231	325	1	the	the	DET
bjmsr-2231	325	2	fairyland	fairyland	NOUN
bjmsr-2231	325	3	of	of	ADP
bjmsr-2231	325	4	second	second	ADJ
bjmsr-2231	325	5	life	life	NOUN
bjmsr-2231	325	6	:	:	PUNCT
bjmsr-2231	325	7	virtual	virtual	ADJ
bjmsr-2231	325	8	social	social	ADJ
bjmsr-2231	325	9	worlds	world	NOUN
bjmsr-2231	325	10	and	and	CCONJ
bjmsr-2231	325	11	how	how	SCONJ
bjmsr-2231	325	12	to	to	PART
bjmsr-2231	325	13	use	use	VERB
bjmsr-2231	325	14	them	they	PRON
bjmsr-2231	325	15	.	.	PUNCT
bjmsr-2231	326	1	business	business	NOUN
bjmsr-2231	326	2	horizons	horizon	NOUN
bjmsr-2231	326	3	,	,	PUNCT
bjmsr-2231	326	4	52(6	52(6	NUM
bjmsr-2231	326	5	)	)	PUNCT
bjmsr-2231	326	6	,	,	PUNCT
bjmsr-2231	326	7	563	563	NUM
bjmsr-2231	326	8	-	-	SYM
bjmsr-2231	326	9	572	572	NUM
bjmsr-2231	326	10	.	.	PUNCT
bjmsr-2231	327	1	kemp	kemp	PROPN
bjmsr-2231	327	2	,	,	PUNCT
bjmsr-2231	327	3	r.	r.	PROPN
bjmsr-2231	327	4	(	(	PUNCT
bjmsr-2231	327	5	2013	2013	NUM
bjmsr-2231	327	6	)	)	PUNCT
bjmsr-2231	327	7	.	.	PUNCT
bjmsr-2231	328	1	mobile	mobile	ADJ
bjmsr-2231	328	2	payments	payment	NOUN
bjmsr-2231	328	3	:	:	PUNCT
bjmsr-2231	328	4	current	current	ADJ
bjmsr-2231	328	5	and	and	CCONJ
bjmsr-2231	328	6	emerging	emerge	VERB
bjmsr-2231	328	7	regulatory	regulatory	ADJ
bjmsr-2231	328	8	and	and	CCONJ
bjmsr-2231	328	9	contracting	contracting	NOUN
bjmsr-2231	328	10	issues	issue	NOUN
bjmsr-2231	328	11	.	.	PUNCT
bjmsr-2231	329	1	computer	computer	NOUN
bjmsr-2231	329	2	law	law	PROPN
bjmsr-2231	329	3	&	&	CCONJ
bjmsr-2231	329	4	security	security	PROPN
bjmsr-2231	329	5	review	review	PROPN
bjmsr-2231	329	6	,	,	PUNCT
bjmsr-2231	329	7	29(2	29(2	NUM
bjmsr-2231	329	8	)	)	PUNCT
bjmsr-2231	329	9	,	,	PUNCT
bjmsr-2231	329	10	175	175	NUM
bjmsr-2231	329	11	-	-	SYM
bjmsr-2231	329	12	179	179	NUM
bjmsr-2231	329	13	.	.	PUNCT
bjmsr-2231	330	1	https://doi.org/10.1016/j.clsr.2013.01.009	https://doi.org/10.1016/j.clsr.2013.01.009	NOUN
bjmsr-2231	330	2	kiger	kiger	NOUN
bjmsr-2231	330	3	,	,	PUNCT
bjmsr-2231	330	4	m.	m.	PROPN
bjmsr-2231	330	5	e.	e.	PROPN
bjmsr-2231	330	6	,	,	PUNCT
bjmsr-2231	330	7	&	&	CCONJ
bjmsr-2231	330	8	varpio	varpio	PROPN
bjmsr-2231	330	9	,	,	PUNCT
bjmsr-2231	330	10	l.	l.	PROPN
bjmsr-2231	330	11	(	(	PUNCT
bjmsr-2231	330	12	2020	2020	NUM
bjmsr-2231	330	13	)	)	PUNCT
bjmsr-2231	330	14	.	.	PUNCT
bjmsr-2231	331	1	thematic	thematic	ADJ
bjmsr-2231	331	2	analysis	analysis	NOUN
bjmsr-2231	331	3	of	of	ADP
bjmsr-2231	331	4	qualitative	qualitative	ADJ
bjmsr-2231	331	5	data	datum	NOUN
bjmsr-2231	331	6	:	:	PUNCT
bjmsr-2231	331	7	amee	amee	PROPN
bjmsr-2231	331	8	guide	guide	VERB
bjmsr-2231	331	9	no	no	INTJ
bjmsr-2231	331	10	.	.	PROPN
bjmsr-2231	332	1	131	131	NUM
bjmsr-2231	332	2	.	.	PUNCT
bjmsr-2231	332	3	medical	medical	ADJ
bjmsr-2231	332	4	teacher	teacher	NOUN
bjmsr-2231	332	5	,	,	PUNCT
bjmsr-2231	332	6	42(8	42(8	NUM
bjmsr-2231	332	7	)	)	PUNCT
bjmsr-2231	332	8	,	,	PUNCT
bjmsr-2231	332	9	846854	846854	NUM
bjmsr-2231	332	10	.	.	PUNCT
bjmsr-2231	333	1	kullmann	kullmann	PROPN
bjmsr-2231	333	2	,	,	PUNCT
bjmsr-2231	333	3	m.	m.	NOUN
bjmsr-2231	333	4	(	(	PUNCT
bjmsr-2231	333	5	2018	2018	NUM
bjmsr-2231	333	6	)	)	PUNCT
bjmsr-2231	333	7	.	.	PUNCT
bjmsr-2231	334	1	platform	platform	NOUN
bjmsr-2231	334	2	work	work	NOUN
bjmsr-2231	334	3	,	,	PUNCT
bjmsr-2231	334	4	algorithmic	algorithmic	ADJ
bjmsr-2231	334	5	decision	decision	NOUN
bjmsr-2231	334	6	-	-	PUNCT
bjmsr-2231	334	7	making	making	NOUN
bjmsr-2231	334	8	,	,	PUNCT
bjmsr-2231	334	9	and	and	CCONJ
bjmsr-2231	334	10	eu	eu	PROPN
bjmsr-2231	334	11	gender	gender	NOUN
bjmsr-2231	334	12	equality	equality	NOUN
bjmsr-2231	334	13	law	law	NOUN
bjmsr-2231	334	14	.	.	PUNCT
bjmsr-2231	335	1	international	international	ADJ
bjmsr-2231	335	2	journal	journal	PROPN
bjmsr-2231	335	3	of	of	ADP
bjmsr-2231	335	4	comparative	comparative	ADJ
bjmsr-2231	335	5	labour	labour	NOUN
bjmsr-2231	335	6	law	law	NOUN
bjmsr-2231	335	7	and	and	CCONJ
bjmsr-2231	335	8	industrial	industrial	ADJ
bjmsr-2231	335	9	relations	relation	NOUN
bjmsr-2231	335	10	,	,	PUNCT
bjmsr-2231	335	11	34(1	34(1	NUM
bjmsr-2231	335	12	)	)	PUNCT
bjmsr-2231	335	13	,	,	PUNCT
bjmsr-2231	335	14	1	1	NUM
bjmsr-2231	335	15	–	–	SYM
bjmsr-2231	335	16	21	21	NUM
bjmsr-2231	335	17	.	.	PUNCT
bjmsr-2231	336	1	https://doi.org/10.54648/ijcl2018001	https://doi.org/10.54648/ijcl2018001	PROPN
bjmsr-2231	336	2	li	li	PROPN
bjmsr-2231	336	3	,	,	PUNCT
bjmsr-2231	336	4	x.	x.	PROPN
bjmsr-2231	336	5	,	,	PUNCT
bjmsr-2231	336	6	zhu	zhu	PROPN
bjmsr-2231	336	7	,	,	PUNCT
bjmsr-2231	336	8	x.	x.	PROPN
bjmsr-2231	336	9	,	,	PUNCT
bjmsr-2231	336	10	lu	lu	PROPN
bjmsr-2231	336	11	,	,	PUNCT
bjmsr-2231	336	12	y.	y.	PROPN
bjmsr-2231	336	13	,	,	PUNCT
bjmsr-2231	336	14	shi	shi	PROPN
bjmsr-2231	336	15	,	,	PUNCT
bjmsr-2231	336	16	d.	d.	PROPN
bjmsr-2231	336	17	,	,	PUNCT
bjmsr-2231	336	18	&	&	CCONJ
bjmsr-2231	336	19	deng	deng	PROPN
bjmsr-2231	336	20	,	,	PUNCT
bjmsr-2231	336	21	w.	w.	PROPN
bjmsr-2231	336	22	(	(	PUNCT
bjmsr-2231	336	23	2023	2023	NUM
bjmsr-2231	336	24	)	)	PUNCT
bjmsr-2231	336	25	.	.	PUNCT
bjmsr-2231	337	1	understanding	understand	VERB
bjmsr-2231	337	2	the	the	DET
bjmsr-2231	337	3	continuous	continuous	ADJ
bjmsr-2231	337	4	usage	usage	NOUN
bjmsr-2231	337	5	of	of	ADP
bjmsr-2231	337	6	mobile	mobile	ADJ
bjmsr-2231	337	7	payment	payment	NOUN
bjmsr-2231	337	8	integrated	integrate	VERB
bjmsr-2231	337	9	into	into	ADP
bjmsr-2231	337	10	social	social	ADJ
bjmsr-2231	337	11	media	medium	NOUN
bjmsr-2231	337	12	platform	platform	NOUN
bjmsr-2231	337	13	:	:	PUNCT
bjmsr-2231	337	14	the	the	DET
bjmsr-2231	337	15	case	case	NOUN
bjmsr-2231	337	16	of	of	ADP
bjmsr-2231	337	17	wechat	wechat	PROPN
bjmsr-2231	337	18	pay	pay	NOUN
bjmsr-2231	337	19	.	.	PUNCT
bjmsr-2231	338	1	electronic	electronic	ADJ
bjmsr-2231	338	2	commerce	commerce	NOUN
bjmsr-2231	338	3	research	research	NOUN
bjmsr-2231	338	4	and	and	CCONJ
bjmsr-2231	338	5	applications	application	NOUN
bjmsr-2231	338	6	,	,	PUNCT
bjmsr-2231	338	7	60	60	NUM
bjmsr-2231	338	8	,	,	PUNCT
bjmsr-2231	338	9	101275	101275	NUM
bjmsr-2231	338	10	.	.	PUNCT
bjmsr-2231	339	1	https://doi.org/10.1016/j.elerap.2023.101275	https://doi.org/10.1016/j.elerap.2023.101275	ADJ
bjmsr-2231	339	2	liébana	liébana	NOUN
bjmsr-2231	339	3	-	-	PUNCT
bjmsr-2231	339	4	cabanillas	cabanilla	NOUN
bjmsr-2231	339	5	,	,	PUNCT
bjmsr-2231	339	6	f.	f.	PROPN
bjmsr-2231	339	7	,	,	PUNCT
bjmsr-2231	339	8	japutra	japutra	PROPN
bjmsr-2231	339	9	,	,	PUNCT
bjmsr-2231	339	10	a.	a.	PROPN
bjmsr-2231	339	11	,	,	PUNCT
bjmsr-2231	339	12	molinillo	molinillo	PROPN
bjmsr-2231	339	13	,	,	PUNCT
bjmsr-2231	339	14	s.	s.	PROPN
bjmsr-2231	339	15	,	,	PUNCT
bjmsr-2231	339	16	singh	singh	PROPN
bjmsr-2231	339	17	,	,	PUNCT
bjmsr-2231	339	18	n.	n.	NOUN
bjmsr-2231	339	19	,	,	PUNCT
bjmsr-2231	339	20	&	&	CCONJ
bjmsr-2231	339	21	sinha	sinha	PROPN
bjmsr-2231	339	22	,	,	PUNCT
bjmsr-2231	339	23	n.	n.	PROPN
bjmsr-2231	339	24	(	(	PUNCT
bjmsr-2231	339	25	2020	2020	NUM
bjmsr-2231	339	26	)	)	PUNCT
bjmsr-2231	339	27	.	.	PUNCT
bjmsr-2231	340	1	assessment	assessment	NOUN
bjmsr-2231	340	2	of	of	ADP
bjmsr-2231	340	3	mobile	mobile	ADJ
bjmsr-2231	340	4	technology	technology	NOUN
bjmsr-2231	340	5	use	use	NOUN
bjmsr-2231	340	6	in	in	ADP
bjmsr-2231	340	7	the	the	DET
bjmsr-2231	340	8	emerging	emerge	VERB
bjmsr-2231	340	9	market	market	NOUN
bjmsr-2231	340	10	:	:	PUNCT
bjmsr-2231	340	11	analyzing	analyze	VERB
bjmsr-2231	340	12	intention	intention	NOUN
bjmsr-2231	340	13	to	to	PART
bjmsr-2231	340	14	use	use	VERB
bjmsr-2231	340	15	m	m	ADJ
bjmsr-2231	340	16	-	-	PUNCT
bjmsr-2231	340	17	payment	payment	NOUN
bjmsr-2231	340	18	services	service	NOUN
bjmsr-2231	340	19	in	in	ADP
bjmsr-2231	340	20	india	india	PROPN
bjmsr-2231	340	21	.	.	PUNCT
bjmsr-2231	341	1	telecommunications	telecommunication	NOUN
bjmsr-2231	341	2	policy	policy	NOUN
bjmsr-2231	341	3	,	,	PUNCT
bjmsr-2231	341	4	44(9	44(9	NOUN
bjmsr-2231	341	5	)	)	PUNCT
bjmsr-2231	341	6	,	,	PUNCT
bjmsr-2231	341	7	102009	102009	NUM
bjmsr-2231	341	8	.	.	PUNCT
bjmsr-2231	342	1	liébana	liébana	ADJ
bjmsr-2231	342	2	-	-	PUNCT
bjmsr-2231	342	3	cabanillas	cabanilla	NOUN
bjmsr-2231	342	4	,	,	PUNCT
bjmsr-2231	342	5	f.	f.	PROPN
bjmsr-2231	342	6	,	,	PUNCT
bjmsr-2231	342	7	marinkovic	marinkovic	PROPN
bjmsr-2231	342	8	,	,	PUNCT
bjmsr-2231	342	9	v.	v.	ADV
bjmsr-2231	342	10	,	,	PUNCT
bjmsr-2231	342	11	de	de	PROPN
bjmsr-2231	342	12	luna	luna	PROPN
bjmsr-2231	342	13	,	,	PUNCT
bjmsr-2231	342	14	i.	i.	PROPN
bjmsr-2231	342	15	r.	r.	PROPN
bjmsr-2231	342	16	,	,	PUNCT
bjmsr-2231	342	17	&	&	CCONJ
bjmsr-2231	342	18	kalinic	kalinic	PROPN
bjmsr-2231	342	19	,	,	PUNCT
bjmsr-2231	342	20	z.	z.	PROPN
bjmsr-2231	342	21	(	(	PUNCT
bjmsr-2231	342	22	2018	2018	NUM
bjmsr-2231	342	23	)	)	PUNCT
bjmsr-2231	342	24	.	.	PUNCT
bjmsr-2231	343	1	predicting	predict	VERB
bjmsr-2231	343	2	the	the	DET
bjmsr-2231	343	3	determinants	determinant	NOUN
bjmsr-2231	343	4	of	of	ADP
bjmsr-2231	343	5	mobile	mobile	ADJ
bjmsr-2231	343	6	payment	payment	NOUN
bjmsr-2231	343	7	acceptance	acceptance	NOUN
bjmsr-2231	343	8	:	:	PUNCT
bjmsr-2231	343	9	a	a	DET
bjmsr-2231	343	10	hybrid	hybrid	ADJ
bjmsr-2231	343	11	sem	sem	ADJ
bjmsr-2231	343	12	-	-	PUNCT
bjmsr-2231	343	13	neural	neural	ADJ
bjmsr-2231	343	14	network	network	NOUN
bjmsr-2231	343	15	approach	approach	NOUN
bjmsr-2231	343	16	.	.	PUNCT
bjmsr-2231	344	1	technological	technological	ADJ
bjmsr-2231	344	2	forecasting	forecasting	NOUN
bjmsr-2231	344	3	and	and	CCONJ
bjmsr-2231	344	4	social	social	ADJ
bjmsr-2231	344	5	change	change	NOUN
bjmsr-2231	344	6	,	,	PUNCT
bjmsr-2231	344	7	129	129	NUM
bjmsr-2231	344	8	,	,	PUNCT
bjmsr-2231	344	9	117	117	NUM
bjmsr-2231	344	10	-	-	SYM
bjmsr-2231	344	11	130	130	NUM
bjmsr-2231	344	12	.	.	PUNCT
bjmsr-2231	345	1	https://doi.org/10.1016/j.techfore.2017.12.015	https://doi.org/10.1016/j.techfore.2017.12.015	PROPN
bjmsr-2231	345	2	ma	ma	PROPN
bjmsr-2231	345	3	,	,	PUNCT
bjmsr-2231	345	4	l.	l.	PROPN
bjmsr-2231	345	5	,	,	PUNCT
bjmsr-2231	345	6	su	su	PROPN
bjmsr-2231	345	7	,	,	PUNCT
bjmsr-2231	345	8	x.	x.	PROPN
bjmsr-2231	345	9	,	,	PUNCT
bjmsr-2231	345	10	yu	yu	PROPN
bjmsr-2231	345	11	,	,	PUNCT
bjmsr-2231	345	12	y.	y.	PROPN
bjmsr-2231	345	13	,	,	PUNCT
bjmsr-2231	345	14	wang	wang	PROPN
bjmsr-2231	345	15	,	,	PUNCT
bjmsr-2231	345	16	c.	c.	PROPN
bjmsr-2231	345	17	,	,	PUNCT
bjmsr-2231	345	18	lin	lin	PROPN
bjmsr-2231	345	19	,	,	PUNCT
bjmsr-2231	345	20	k.	k.	PROPN
bjmsr-2231	345	21	,	,	PUNCT
bjmsr-2231	345	22	&	&	CCONJ
bjmsr-2231	345	23	lin	lin	PROPN
bjmsr-2231	345	24	,	,	PUNCT
bjmsr-2231	345	25	m.	m.	NOUN
bjmsr-2231	345	26	(	(	PUNCT
bjmsr-2231	345	27	2018	2018	NUM
bjmsr-2231	345	28	)	)	PUNCT
bjmsr-2231	345	29	.	.	PUNCT
bjmsr-2231	346	1	what	what	PRON
bjmsr-2231	346	2	drives	drive	VERB
bjmsr-2231	346	3	the	the	DET
bjmsr-2231	346	4	use	use	NOUN
bjmsr-2231	346	5	of	of	ADP
bjmsr-2231	346	6	m	m	NOUN
bjmsr-2231	346	7	-	-	NOUN
bjmsr-2231	346	8	payment	payment	NOUN
bjmsr-2231	346	9	?	?	PUNCT
bjmsr-2231	347	1	an	an	DET
bjmsr-2231	347	2	empirical	empirical	ADJ
bjmsr-2231	347	3	study	study	NOUN
bjmsr-2231	347	4	about	about	ADP
bjmsr-2231	347	5	alipay	alipay	PROPN
bjmsr-2231	347	6	and	and	CCONJ
bjmsr-2231	347	7	wechat	wechat	NOUN
bjmsr-2231	347	8	payment	payment	NOUN
bjmsr-2231	347	9	.	.	PUNCT
bjmsr-2231	348	1	in	in	ADP
bjmsr-2231	348	2	2018	2018	NUM
bjmsr-2231	348	3	15th	15th	ADJ
bjmsr-2231	348	4	international	international	ADJ
bjmsr-2231	348	5	conference	conference	NOUN
bjmsr-2231	348	6	on	on	ADP
bjmsr-2231	348	7	service	service	NOUN
bjmsr-2231	348	8	systems	system	NOUN
bjmsr-2231	348	9	and	and	CCONJ
bjmsr-2231	348	10	service	service	NOUN
bjmsr-2231	348	11	management	management	NOUN
bjmsr-2231	348	12	(	(	PUNCT
bjmsr-2231	348	13	icsssm	icsssm	NOUN
bjmsr-2231	348	14	)	)	PUNCT
bjmsr-2231	348	15	(	(	PUNCT
bjmsr-2231	348	16	pp	pp	X
bjmsr-2231	348	17	.	.	PUNCT
bjmsr-2231	349	1	1	1	NUM
bjmsr-2231	349	2	-	-	SYM
bjmsr-2231	349	3	6	6	NUM
bjmsr-2231	349	4	)	)	PUNCT
bjmsr-2231	349	5	.	.	PUNCT
bjmsr-2231	350	1	ieee	ieee	NOUN
bjmsr-2231	350	2	.	.	PUNCT
bjmsr-2231	351	1	https://doi.org/10.1109/icsssm.2018.8465029	https://doi.org/10.1109/icsssm.2018.8465029	PROPN
bjmsr-2231	351	2	mcdonald	mcdonald	PROPN
bjmsr-2231	351	3	,	,	PUNCT
bjmsr-2231	351	4	t.	t.	PROPN
bjmsr-2231	351	5	(	(	PUNCT
bjmsr-2231	351	6	2020	2020	NUM
bjmsr-2231	351	7	)	)	PUNCT
bjmsr-2231	351	8	.	.	PUNCT
bjmsr-2231	352	1	social	social	ADJ
bjmsr-2231	352	2	money	money	NOUN
bjmsr-2231	352	3	and	and	CCONJ
bjmsr-2231	352	4	working	work	VERB
bjmsr-2231	352	5	-	-	PUNCT
bjmsr-2231	352	6	class	class	NOUN
bjmsr-2231	352	7	subjectivities	subjectivity	NOUN
bjmsr-2231	352	8	:	:	PUNCT
bjmsr-2231	352	9	digital	digital	ADJ
bjmsr-2231	352	10	money	money	NOUN
bjmsr-2231	352	11	and	and	CCONJ
bjmsr-2231	352	12	migrant	migrant	ADJ
bjmsr-2231	352	13	labour	labour	NOUN
bjmsr-2231	352	14	in	in	ADP
bjmsr-2231	352	15	shenzhen	shenzhen	PROPN
bjmsr-2231	352	16	,	,	PUNCT
bjmsr-2231	352	17	china	china	PROPN
bjmsr-2231	352	18	.	.	PUNCT
bjmsr-2231	353	1	the	the	DET
bjmsr-2231	353	2	china	china	PROPN
bjmsr-2231	353	3	quarterly	quarterly	PROPN
bjmsr-2231	353	4	,	,	PUNCT
bjmsr-2231	353	5	242	242	NUM
bjmsr-2231	353	6	,	,	PUNCT
bjmsr-2231	353	7	397	397	NUM
bjmsr-2231	353	8	-	-	SYM
bjmsr-2231	353	9	417	417	NUM
bjmsr-2231	353	10	.	.	PUNCT
bjmsr-2231	354	1	https://doi.org/10.1017/s0305741019001073	https://doi.org/10.1017/s0305741019001073	NUM
bjmsr-2231	354	2	mclean	mclean	NOUN
bjmsr-2231	354	3	,	,	PUNCT
bjmsr-2231	354	4	g.	g.	PROPN
bjmsr-2231	354	5	,	,	PUNCT
bjmsr-2231	354	6	osei	osei	PROPN
bjmsr-2231	354	7	-	-	PUNCT
bjmsr-2231	354	8	frimpong	frimpong	PROPN
bjmsr-2231	354	9	,	,	PUNCT
bjmsr-2231	354	10	k.	k.	PROPN
bjmsr-2231	354	11	,	,	PUNCT
bjmsr-2231	354	12	al	al	PROPN
bjmsr-2231	354	13	-	-	PUNCT
bjmsr-2231	354	14	nabhani	nabhani	PROPN
bjmsr-2231	354	15	,	,	PUNCT
bjmsr-2231	354	16	k.	k.	PROPN
bjmsr-2231	354	17	,	,	PUNCT
bjmsr-2231	354	18	&	&	CCONJ
bjmsr-2231	354	19	marriott	marriott	PROPN
bjmsr-2231	354	20	,	,	PUNCT
bjmsr-2231	354	21	h.	h.	PROPN
bjmsr-2231	354	22	(	(	PUNCT
bjmsr-2231	354	23	2020	2020	NUM
bjmsr-2231	354	24	)	)	PUNCT
bjmsr-2231	354	25	.	.	PUNCT
bjmsr-2231	355	1	examining	examine	VERB
bjmsr-2231	355	2	consumer	consumer	NOUN
bjmsr-2231	355	3	attitudes	attitude	NOUN
bjmsr-2231	355	4	towards	towards	ADP
bjmsr-2231	355	5	retailers	retailer	NOUN
bjmsr-2231	355	6	'	'	PART
bjmsr-2231	355	7	mcommerce	mcommerce	NOUN
bjmsr-2231	355	8	mobile	mobile	ADJ
bjmsr-2231	355	9	applications	application	NOUN
bjmsr-2231	355	10	–	–	PUNCT
bjmsr-2231	355	11	an	an	DET
bjmsr-2231	355	12	initial	initial	ADJ
bjmsr-2231	355	13	adoption	adoption	NOUN
bjmsr-2231	355	14	vs.	vs.	ADP
bjmsr-2231	355	15	continuous	continuous	ADJ
bjmsr-2231	355	16	use	use	NOUN
bjmsr-2231	355	17	perspective	perspective	NOUN
bjmsr-2231	355	18	.	.	PUNCT
bjmsr-2231	356	1	journal	journal	PROPN
bjmsr-2231	356	2	of	of	ADP
bjmsr-2231	356	3	business	business	NOUN
bjmsr-2231	356	4	research	research	NOUN
bjmsr-2231	356	5	,	,	PUNCT
bjmsr-2231	356	6	106(c	106(c	NUM
bjmsr-2231	356	7	)	)	PUNCT
bjmsr-2231	356	8	,	,	PUNCT
bjmsr-2231	356	9	139	139	NUM
bjmsr-2231	356	10	-	-	SYM
bjmsr-2231	356	11	157	157	NUM
bjmsr-2231	356	12	.	.	PUNCT
bjmsr-2231	357	1	https://doi.org/10.1016/j.jbusres.2019.08.032	https://doi.org/10.1016/j.jbusres.2019.08.032	NUM
bjmsr-2231	357	2	miraz	miraz	NOUN
bjmsr-2231	357	3	,	,	PUNCT
bjmsr-2231	357	4	m.	m.	PROPN
bjmsr-2231	357	5	h.	h.	PROPN
bjmsr-2231	357	6	,	,	PUNCT
bjmsr-2231	357	7	&	&	CCONJ
bjmsr-2231	357	8	haikel	haikel	NOUN
bjmsr-2231	357	9	-	-	PUNCT
bjmsr-2231	357	10	elsabeh	elsabeh	NOUN
bjmsr-2231	357	11	,	,	PUNCT
bjmsr-2231	357	12	m.	m.	NOUN
bjmsr-2231	357	13	(	(	PUNCT
bjmsr-2231	357	14	2019	2019	NUM
bjmsr-2231	357	15	)	)	PUNCT
bjmsr-2231	357	16	.	.	PUNCT
bjmsr-2231	358	1	analysis	analysis	NOUN
bjmsr-2231	358	2	of	of	ADP
bjmsr-2231	358	3	users	user	NOUN
bjmsr-2231	358	4	'	'	PART
bjmsr-2231	358	5	behaviour	behaviour	NOUN
bjmsr-2231	358	6	and	and	CCONJ
bjmsr-2231	358	7	adoption	adoption	NOUN
bjmsr-2231	358	8	trends	trend	NOUN
bjmsr-2231	358	9	of	of	ADP
bjmsr-2231	358	10	social	social	ADJ
bjmsr-2231	358	11	media	medium	NOUN
bjmsr-2231	358	12	payment	payment	NOUN
bjmsr-2231	358	13	platforms	platform	NOUN
bjmsr-2231	358	14	.	.	PUNCT
bjmsr-2231	359	1	in	in	ADP
bjmsr-2231	359	2	2019	2019	NUM
bjmsr-2231	359	3	international	international	ADJ
bjmsr-2231	359	4	conference	conference	NOUN
bjmsr-2231	359	5	on	on	ADP
bjmsr-2231	359	6	computing	computing	NOUN
bjmsr-2231	359	7	,	,	PUNCT
bjmsr-2231	359	8	electronics	electronics	PROPN
bjmsr-2231	359	9	&	&	CCONJ
bjmsr-2231	359	10	communications	communications	PROPN
bjmsr-2231	359	11	engineering	engineering	NOUN
bjmsr-2231	359	12	(	(	PUNCT
bjmsr-2231	359	13	iccece	iccece	PROPN
bjmsr-2231	359	14	)	)	PUNCT
bjmsr-2231	359	15	(	(	PUNCT
bjmsr-2231	359	16	pp	pp	X
bjmsr-2231	359	17	.	.	PUNCT
bjmsr-2231	359	18	197	197	NUM
bjmsr-2231	359	19	-	-	SYM
bjmsr-2231	359	20	202	202	NUM
bjmsr-2231	359	21	)	)	PUNCT
bjmsr-2231	359	22	.	.	PUNCT
bjmsr-2231	360	1	ieee	ieee	PROPN
bjmsr-2231	360	2	.	.	PUNCT
bjmsr-2231	361	1	mohan	mohan	PROPN
bjmsr-2231	361	2	,	,	PUNCT
bjmsr-2231	361	3	a.	a.	PROPN
bjmsr-2231	361	4	,	,	PUNCT
bjmsr-2231	361	5	tiwari	tiwari	PROPN
bjmsr-2231	361	6	,	,	PUNCT
bjmsr-2231	361	7	p.	p.	NOUN
bjmsr-2231	361	8	,	,	PUNCT
bjmsr-2231	361	9	bhatnagar	bhatnagar	PROPN
bjmsr-2231	361	10	,	,	PUNCT
bjmsr-2231	361	11	s.	s.	PROPN
bjmsr-2231	361	12	,	,	PUNCT
bjmsr-2231	361	13	patel	patel	PROPN
bjmsr-2231	361	14	,	,	PUNCT
bjmsr-2231	361	15	a.	a.	NOUN
bjmsr-2231	361	16	,	,	PUNCT
bjmsr-2231	361	17	maurya	maurya	PROPN
bjmsr-2231	361	18	,	,	PUNCT
bjmsr-2231	361	19	a.	a.	PROPN
bjmsr-2231	361	20	,	,	PUNCT
bjmsr-2231	361	21	dar	dar	PROPN
bjmsr-2231	361	22	,	,	PUNCT
bjmsr-2231	361	23	l.	l.	PROPN
bjmsr-2231	361	24	,	,	PUNCT
bjmsr-2231	361	25	...	...	PUNCT
bjmsr-2231	361	26	&	&	CCONJ
bjmsr-2231	361	27	wundavalli	wundavalli	PROPN
bjmsr-2231	361	28	,	,	PUNCT
bjmsr-2231	361	29	l.	l.	PROPN
bjmsr-2231	361	30	(	(	PUNCT
bjmsr-2231	361	31	2020	2020	NUM
bjmsr-2231	361	32	)	)	PUNCT
bjmsr-2231	361	33	.	.	PUNCT
bjmsr-2231	362	1	clinico	clinico	ADJ
bjmsr-2231	362	2	-	-	PUNCT
bjmsr-2231	362	3	demographic	demographic	ADJ
bjmsr-2231	362	4	profile	profile	NOUN
bjmsr-2231	362	5	&	&	CCONJ
bjmsr-2231	362	6	hospital	hospital	NOUN
bjmsr-2231	362	7	outcomes	outcome	NOUN
bjmsr-2231	362	8	of	of	ADP
bjmsr-2231	362	9	covid-19	covid-19	PROPN
bjmsr-2231	362	10	patients	patient	NOUN
bjmsr-2231	362	11	admitted	admit	VERB
bjmsr-2231	362	12	at	at	ADP
bjmsr-2231	362	13	a	a	DET
bjmsr-2231	362	14	tertiary	tertiary	ADJ
bjmsr-2231	362	15	care	care	NOUN
bjmsr-2231	362	16	centre	centre	NOUN
bjmsr-2231	362	17	in	in	ADP
bjmsr-2231	362	18	north	north	PROPN
bjmsr-2231	362	19	india	india	PROPN
bjmsr-2231	362	20	.	.	PUNCT
bjmsr-2231	363	1	indian	indian	PROPN
bjmsr-2231	363	2	journal	journal	PROPN
bjmsr-2231	363	3	of	of	ADP
bjmsr-2231	363	4	medical	medical	ADJ
bjmsr-2231	363	5	research	research	NOUN
bjmsr-2231	363	6	,	,	PUNCT
bjmsr-2231	363	7	152(1	152(1	NUM
bjmsr-2231	363	8	-	-	SYM
bjmsr-2231	363	9	2	2	NUM
bjmsr-2231	363	10	)	)	PUNCT
bjmsr-2231	363	11	,	,	PUNCT
bjmsr-2231	363	12	61	61	NUM
bjmsr-2231	363	13	-	-	SYM
bjmsr-2231	363	14	69	69	NUM
bjmsr-2231	363	15	.	.	PUNCT
bjmsr-2231	364	1	mu	mu	PROPN
bjmsr-2231	364	2	,	,	PUNCT
bjmsr-2231	364	3	h.	h.	PROPN
bjmsr-2231	364	4	l.	l.	PROPN
bjmsr-2231	364	5	,	,	PUNCT
bjmsr-2231	364	6	&	&	CCONJ
bjmsr-2231	364	7	lee	lee	PROPN
bjmsr-2231	364	8	,	,	PUNCT
bjmsr-2231	364	9	y.	y.	PROPN
bjmsr-2231	364	10	c.	c.	PROPN
bjmsr-2231	364	11	(	(	PUNCT
bjmsr-2231	364	12	2017	2017	NUM
bjmsr-2231	364	13	)	)	PUNCT
bjmsr-2231	364	14	.	.	PUNCT
bjmsr-2231	365	1	examining	examine	VERB
bjmsr-2231	365	2	the	the	DET
bjmsr-2231	365	3	influencing	influence	VERB
bjmsr-2231	365	4	factors	factor	NOUN
bjmsr-2231	365	5	of	of	ADP
bjmsr-2231	365	6	third	third	ADJ
bjmsr-2231	365	7	-	-	PUNCT
bjmsr-2231	365	8	party	party	NOUN
bjmsr-2231	365	9	mobile	mobile	ADJ
bjmsr-2231	365	10	payment	payment	NOUN
bjmsr-2231	365	11	adoption	adoption	NOUN
bjmsr-2231	365	12	:	:	PUNCT
bjmsr-2231	365	13	a	a	DET
bjmsr-2231	365	14	comparative	comparative	ADJ
bjmsr-2231	365	15	study	study	NOUN
bjmsr-2231	365	16	of	of	ADP
bjmsr-2231	365	17	alipay	alipay	PROPN
bjmsr-2231	365	18	and	and	CCONJ
bjmsr-2231	365	19	wechat	wechat	NOUN
bjmsr-2231	365	20	pay	pay	NOUN
bjmsr-2231	365	21	.	.	PUNCT
bjmsr-2231	366	1	the	the	DET
bjmsr-2231	366	2	journal	journal	NOUN
bjmsr-2231	366	3	of	of	ADP
bjmsr-2231	366	4	information	information	NOUN
bjmsr-2231	366	5	systems	system	NOUN
bjmsr-2231	366	6	,	,	PUNCT
bjmsr-2231	366	7	26(4	26(4	NUM
bjmsr-2231	366	8	)	)	PUNCT
bjmsr-2231	366	9	,	,	PUNCT
bjmsr-2231	366	10	247	247	NUM
bjmsr-2231	366	11	-	-	SYM
bjmsr-2231	366	12	284	284	NUM
bjmsr-2231	366	13	.	.	PUNCT
bjmsr-2231	367	1	http://dx.doi.org/10.5859/kais.2017.26.4.247	http://dx.doi.org/10.5859/kais.2017.26.4.247	PROPN
bjmsr-2231	367	2	nan	nan	PROPN
bjmsr-2231	367	3	,	,	PUNCT
bjmsr-2231	367	4	d.	d.	PROPN
bjmsr-2231	367	5	,	,	PUNCT
bjmsr-2231	367	6	kim	kim	PROPN
bjmsr-2231	367	7	,	,	PUNCT
bjmsr-2231	367	8	y.	y.	PROPN
bjmsr-2231	367	9	,	,	PUNCT
bjmsr-2231	367	10	park	park	NOUN
bjmsr-2231	367	11	,	,	PUNCT
bjmsr-2231	367	12	m.	m.	PROPN
bjmsr-2231	367	13	h.	h.	PROPN
bjmsr-2231	367	14	,	,	PUNCT
bjmsr-2231	367	15	&	&	CCONJ
bjmsr-2231	367	16	kim	kim	PROPN
bjmsr-2231	367	17	,	,	PUNCT
bjmsr-2231	367	18	j.	j.	PROPN
bjmsr-2231	367	19	h.	h.	PROPN
bjmsr-2231	367	20	(	(	PUNCT
bjmsr-2231	367	21	2020	2020	NUM
bjmsr-2231	367	22	)	)	PUNCT
bjmsr-2231	367	23	.	.	PUNCT
bjmsr-2231	368	1	what	what	PRON
bjmsr-2231	368	2	motivates	motivate	VERB
bjmsr-2231	368	3	users	user	NOUN
bjmsr-2231	368	4	to	to	PART
bjmsr-2231	368	5	keep	keep	VERB
bjmsr-2231	368	6	using	use	VERB
bjmsr-2231	368	7	social	social	ADJ
bjmsr-2231	368	8	mobile	mobile	ADJ
bjmsr-2231	368	9	payments	payment	NOUN
bjmsr-2231	368	10	?	?	PUNCT
bjmsr-2231	369	1	sustainability	sustainability	NOUN
bjmsr-2231	369	2	,	,	PUNCT
bjmsr-2231	369	3	12(17	12(17	NUM
bjmsr-2231	369	4	)	)	PUNCT
bjmsr-2231	369	5	,	,	PUNCT
bjmsr-2231	369	6	6878	6878	NUM
bjmsr-2231	369	7	.	.	PUNCT
bjmsr-2231	370	1	https://doi.org/10.3390/su12176878	https://doi.org/10.3390/su12176878	ADV
bjmsr-2231	370	2	nandru	nandru	NOUN
bjmsr-2231	370	3	,	,	PUNCT
bjmsr-2231	370	4	p.	p.	NOUN
bjmsr-2231	370	5	,	,	PUNCT
bjmsr-2231	370	6	&	&	CCONJ
bjmsr-2231	370	7	rentala	rentala	PROPN
bjmsr-2231	370	8	,	,	PUNCT
bjmsr-2231	370	9	s.	s.	PROPN
bjmsr-2231	370	10	(	(	PUNCT
bjmsr-2231	370	11	2020	2020	NUM
bjmsr-2231	370	12	)	)	PUNCT
bjmsr-2231	370	13	.	.	PUNCT
bjmsr-2231	371	1	demand	demand	NOUN
bjmsr-2231	371	2	-	-	PUNCT
bjmsr-2231	371	3	side	side	NOUN
bjmsr-2231	371	4	analysis	analysis	NOUN
bjmsr-2231	371	5	of	of	ADP
bjmsr-2231	371	6	measuring	measure	VERB
bjmsr-2231	371	7	financial	financial	ADJ
bjmsr-2231	371	8	inclusion	inclusion	NOUN
bjmsr-2231	371	9	:	:	PUNCT
bjmsr-2231	371	10	impact	impact	NOUN
bjmsr-2231	371	11	on	on	ADP
bjmsr-2231	371	12	socio	socio	NOUN
bjmsr-2231	371	13	-	-	PUNCT
bjmsr-2231	371	14	economic	economic	ADJ
bjmsr-2231	371	15	status	status	NOUN
bjmsr-2231	371	16	of	of	ADP
bjmsr-2231	371	17	primitive	primitive	ADJ
bjmsr-2231	371	18	tribal	tribal	ADJ
bjmsr-2231	371	19	groups	group	NOUN
bjmsr-2231	371	20	(	(	PUNCT
bjmsr-2231	371	21	ptgs	ptgs	PROPN
bjmsr-2231	371	22	)	)	PUNCT
bjmsr-2231	371	23	in	in	ADP
bjmsr-2231	371	24	india	india	PROPN
bjmsr-2231	371	25	.	.	PUNCT
bjmsr-2231	372	1	international	international	ADJ
bjmsr-2231	372	2	journal	journal	PROPN
bjmsr-2231	372	3	of	of	ADP
bjmsr-2231	372	4	development	development	NOUN
bjmsr-2231	372	5	issues	issue	NOUN
bjmsr-2231	372	6	,	,	PUNCT
bjmsr-2231	372	7	19(1	19(1	NUM
bjmsr-2231	372	8	)	)	PUNCT
bjmsr-2231	372	9	,	,	PUNCT
bjmsr-2231	372	10	1	1	NUM
bjmsr-2231	372	11	-	-	SYM
bjmsr-2231	372	12	24	24	NUM
bjmsr-2231	372	13	.	.	PUNCT
bjmsr-2231	373	1	nowell	nowell	PROPN
bjmsr-2231	373	2	,	,	PUNCT
bjmsr-2231	373	3	l.	l.	PROPN
bjmsr-2231	373	4	s.	s.	PROPN
bjmsr-2231	373	5	,	,	PUNCT
bjmsr-2231	373	6	norris	norris	PROPN
bjmsr-2231	373	7	,	,	PUNCT
bjmsr-2231	373	8	j.	j.	PROPN
bjmsr-2231	373	9	m.	m.	PROPN
bjmsr-2231	373	10	,	,	PUNCT
bjmsr-2231	373	11	white	white	PROPN
bjmsr-2231	373	12	,	,	PUNCT
bjmsr-2231	373	13	d.	d.	PROPN
bjmsr-2231	373	14	e.	e.	PROPN
bjmsr-2231	373	15	,	,	PUNCT
bjmsr-2231	373	16	&	&	CCONJ
bjmsr-2231	373	17	moules	moules	PROPN
bjmsr-2231	373	18	,	,	PUNCT
bjmsr-2231	373	19	n.	n.	PROPN
bjmsr-2231	373	20	j.	j.	PROPN
bjmsr-2231	373	21	(	(	PUNCT
bjmsr-2231	373	22	2017	2017	NUM
bjmsr-2231	373	23	)	)	PUNCT
bjmsr-2231	373	24	.	.	PUNCT
bjmsr-2231	374	1	thematic	thematic	ADJ
bjmsr-2231	374	2	analysis	analysis	NOUN
bjmsr-2231	374	3	:	:	PUNCT
bjmsr-2231	374	4	striving	strive	VERB
bjmsr-2231	374	5	to	to	PART
bjmsr-2231	374	6	meet	meet	VERB
bjmsr-2231	374	7	the	the	DET
bjmsr-2231	374	8	trustworthiness	trustworthiness	NOUN
bjmsr-2231	374	9	criteria	criterion	NOUN
bjmsr-2231	374	10	.	.	PUNCT
bjmsr-2231	375	1	international	international	ADJ
bjmsr-2231	375	2	journal	journal	NOUN
bjmsr-2231	375	3	of	of	ADP
bjmsr-2231	375	4	qualitative	qualitative	ADJ
bjmsr-2231	375	5	methods	method	NOUN
bjmsr-2231	375	6	,	,	PUNCT
bjmsr-2231	375	7	16(1	16(1	NUM
bjmsr-2231	375	8	)	)	PUNCT
bjmsr-2231	375	9	,	,	PUNCT
bjmsr-2231	375	10	1609406917733847	1609406917733847	NUM
bjmsr-2231	375	11	.	.	PUNCT
bjmsr-2231	376	1	ofori	ofori	NOUN
bjmsr-2231	376	2	-	-	PUNCT
bjmsr-2231	376	3	okyere	okyere	PROPN
bjmsr-2231	376	4	,	,	PUNCT
bjmsr-2231	376	5	i.	i.	PROPN
bjmsr-2231	376	6	,	,	PUNCT
bjmsr-2231	376	7	edghiem	edghiem	PROPN
bjmsr-2231	376	8	,	,	PUNCT
bjmsr-2231	376	9	f.	f.	PROPN
bjmsr-2231	376	10	,	,	PUNCT
bjmsr-2231	376	11	&	&	CCONJ
bjmsr-2231	376	12	kumah	kumah	PROPN
bjmsr-2231	376	13	,	,	PUNCT
bjmsr-2231	377	1	s.	s.	PROPN
bjmsr-2231	377	2	p.	p.	PROPN
bjmsr-2231	377	3	(	(	PUNCT
bjmsr-2231	377	4	2023	2023	NUM
bjmsr-2231	377	5	)	)	PUNCT
bjmsr-2231	377	6	.	.	PUNCT
bjmsr-2231	378	1	marketing	market	VERB
bjmsr-2231	378	2	inclusive	inclusive	ADJ
bjmsr-2231	378	3	banking	banking	NOUN
bjmsr-2231	378	4	services	service	NOUN
bjmsr-2231	378	5	to	to	ADP
bjmsr-2231	378	6	financially	financially	ADV
bjmsr-2231	378	7	vulnerable	vulnerable	ADJ
bjmsr-2231	378	8	consumers	consumer	NOUN
bjmsr-2231	378	9	:	:	PUNCT
bjmsr-2231	378	10	a	a	DET
bjmsr-2231	378	11	service	service	NOUN
bjmsr-2231	378	12	design	design	NOUN
bjmsr-2231	378	13	approach	approach	NOUN
bjmsr-2231	378	14	.	.	PUNCT
bjmsr-2231	379	1	journal	journal	NOUN
bjmsr-2231	379	2	of	of	ADP
bjmsr-2231	379	3	services	service	NOUN
bjmsr-2231	379	4	marketing	marketing	NOUN
bjmsr-2231	379	5	,	,	PUNCT
bjmsr-2231	379	6	37(2	37(2	PROPN
bjmsr-2231	379	7	)	)	PUNCT
bjmsr-2231	379	8	,	,	PUNCT
bjmsr-2231	379	9	232	232	NUM
bjmsr-2231	379	10	-	-	SYM
bjmsr-2231	379	11	247	247	NUM
bjmsr-2231	379	12	.	.	PUNCT
bjmsr-2231	380	1	ofori	ofori	NOUN
bjmsr-2231	380	2	-	-	PUNCT
bjmsr-2231	380	3	okyere	okyere	PROPN
bjmsr-2231	380	4	,	,	PUNCT
bjmsr-2231	380	5	i.	i.	PROPN
bjmsr-2231	380	6	(	(	PUNCT
bjmsr-2231	380	7	2019	2019	NUM
bjmsr-2231	380	8	)	)	PUNCT
bjmsr-2231	380	9	.	.	PUNCT
bjmsr-2231	381	1	the	the	DET
bjmsr-2231	381	2	role	role	NOUN
bjmsr-2231	381	3	of	of	ADP
bjmsr-2231	381	4	social	social	ADJ
bjmsr-2231	381	5	media	medium	NOUN
bjmsr-2231	381	6	platforms	platform	NOUN
bjmsr-2231	381	7	in	in	ADP
bjmsr-2231	381	8	the	the	DET
bjmsr-2231	381	9	promotion	promotion	NOUN
bjmsr-2231	381	10	of	of	ADP
bjmsr-2231	381	11	beach	beach	NOUN
bjmsr-2231	381	12	resorts	resort	NOUN
bjmsr-2231	381	13	in	in	ADP
bjmsr-2231	381	14	the	the	DET
bjmsr-2231	381	15	western	western	ADJ
bjmsr-2231	381	16	region	region	NOUN
bjmsr-2231	381	17	of	of	ADP
bjmsr-2231	381	18	ghana	ghana	PROPN
bjmsr-2231	381	19	.	.	PUNCT
bjmsr-2231	382	1	adrri	adrri	PROPN
bjmsr-2231	382	2	journal	journal	PROPN
bjmsr-2231	382	3	of	of	ADP
bjmsr-2231	382	4	arts	art	NOUN
bjmsr-2231	382	5	and	and	CCONJ
bjmsr-2231	382	6	social	social	ADJ
bjmsr-2231	382	7	sciences	science	NOUN
bjmsr-2231	382	8	,	,	PUNCT
bjmsr-2231	382	9	16(6	16(6	NUM
bjmsr-2231	382	10	)	)	PUNCT
bjmsr-2231	382	11	,	,	PUNCT
bjmsr-2231	382	12	99	99	NUM
bjmsr-2231	382	13	-	-	SYM
bjmsr-2231	382	14	124	124	NUM
bjmsr-2231	382	15	.	.	PUNCT
bjmsr-2231	383	1	poudel	poudel	PROPN
bjmsr-2231	383	2	,	,	PUNCT
bjmsr-2231	383	3	o.	o.	PROPN
bjmsr-2231	383	4	,	,	PUNCT
bjmsr-2231	383	5	&	&	CCONJ
bjmsr-2231	383	6	sapkota	sapkota	NOUN
bjmsr-2231	383	7	,	,	PUNCT
bjmsr-2231	383	8	m.	m.	NOUN
bjmsr-2231	383	9	p.	p.	NOUN
bjmsr-2231	383	10	(	(	PUNCT
bjmsr-2231	383	11	2022	2022	NUM
bjmsr-2231	383	12	)	)	PUNCT
bjmsr-2231	383	13	.	.	PUNCT
bjmsr-2231	384	1	consumer	consumer	NOUN
bjmsr-2231	384	2	perception	perception	NOUN
bjmsr-2231	384	3	toward	toward	ADP
bjmsr-2231	384	4	digital	digital	ADJ
bjmsr-2231	384	5	payment	payment	NOUN
bjmsr-2231	384	6	system	system	NOUN
bjmsr-2231	384	7	.	.	PUNCT
bjmsr-2231	385	1	management	management	NOUN
bjmsr-2231	385	2	dynamics	dynamic	NOUN
bjmsr-2231	385	3	,	,	PUNCT
bjmsr-2231	385	4	25(1	25(1	NUM
bjmsr-2231	385	5	)	)	PUNCT
bjmsr-2231	385	6	,	,	PUNCT
bjmsr-2231	385	7	3950	3950	NUM
bjmsr-2231	385	8	.	.	PUNCT
bjmsr-2231	386	1	qu	qu	PROPN
bjmsr-2231	386	2	,	,	PUNCT
bjmsr-2231	386	3	y.	y.	PROPN
bjmsr-2231	386	4	,	,	PUNCT
bjmsr-2231	386	5	rong	rong	PROPN
bjmsr-2231	386	6	,	,	PUNCT
bjmsr-2231	386	7	w.	w.	PROPN
bjmsr-2231	386	8	,	,	PUNCT
bjmsr-2231	386	9	chen	chen	PROPN
bjmsr-2231	386	10	,	,	PUNCT
bjmsr-2231	386	11	h.	h.	PROPN
bjmsr-2231	386	12	,	,	PUNCT
bjmsr-2231	386	13	ouyang	ouyang	PROPN
bjmsr-2231	386	14	,	,	PUNCT
bjmsr-2231	386	15	y.	y.	PROPN
bjmsr-2231	386	16	,	,	PUNCT
bjmsr-2231	386	17	&	&	CCONJ
bjmsr-2231	386	18	xiong	xiong	PROPN
bjmsr-2231	386	19	,	,	PUNCT
bjmsr-2231	386	20	z.	z.	PROPN
bjmsr-2231	386	21	(	(	PUNCT
bjmsr-2231	386	22	2018	2018	NUM
bjmsr-2231	386	23	)	)	PUNCT
bjmsr-2231	386	24	.	.	PUNCT
bjmsr-2231	387	1	influencing	influence	VERB
bjmsr-2231	387	2	factors	factor	NOUN
bjmsr-2231	387	3	analysis	analysis	NOUN
bjmsr-2231	387	4	for	for	ADP
bjmsr-2231	387	5	a	a	DET
bjmsr-2231	387	6	social	social	ADJ
bjmsr-2231	387	7	network	network	NOUN
bjmsr-2231	387	8	web	web	NOUN
bjmsr-2231	387	9	-	-	PUNCT
bjmsr-2231	387	10	based	base	VERB
bjmsr-2231	387	11	payment	payment	NOUN
bjmsr-2231	387	12	service	service	NOUN
bjmsr-2231	387	13	in	in	ADP
bjmsr-2231	387	14	china	china	PROPN
bjmsr-2231	387	15	.	.	PUNCT
bjmsr-2231	388	1	journal	journal	PROPN
bjmsr-2231	388	2	of	of	ADP
bjmsr-2231	388	3	theoretical	theoretical	ADJ
bjmsr-2231	388	4	and	and	CCONJ
bjmsr-2231	388	5	applied	apply	VERB
bjmsr-2231	388	6	electronic	electronic	ADJ
bjmsr-2231	388	7	commerce	commerce	NOUN
bjmsr-2231	388	8	research	research	NOUN
bjmsr-2231	388	9	,	,	PUNCT
bjmsr-2231	388	10	13(3	13(3	NUM
bjmsr-2231	388	11	)	)	PUNCT
bjmsr-2231	388	12	,	,	PUNCT
bjmsr-2231	388	13	99	99	NUM
bjmsr-2231	388	14	-	-	SYM
bjmsr-2231	388	15	113	113	NUM
bjmsr-2231	388	16	.	.	PUNCT
bjmsr-2231	389	1	https://doi.org/10.4067/s0718-18762018000300106	https://doi.org/10.4067/s0718-18762018000300106	PROPN
bjmsr-2231	389	2	qu	qu	PROPN
bjmsr-2231	389	3	,	,	PUNCT
bjmsr-2231	389	4	y.	y.	PROPN
bjmsr-2231	389	5	,	,	PUNCT
bjmsr-2231	389	6	rong	rong	PROPN
bjmsr-2231	389	7	,	,	PUNCT
bjmsr-2231	389	8	w.	w.	PROPN
bjmsr-2231	389	9	,	,	PUNCT
bjmsr-2231	389	10	ouyang	ouyang	PROPN
bjmsr-2231	389	11	,	,	PUNCT
bjmsr-2231	389	12	y.	y.	PROPN
bjmsr-2231	389	13	,	,	PUNCT
bjmsr-2231	389	14	chen	chen	PROPN
bjmsr-2231	389	15	,	,	PUNCT
bjmsr-2231	389	16	h.	h.	PROPN
bjmsr-2231	389	17	,	,	PUNCT
bjmsr-2231	389	18	&	&	CCONJ
bjmsr-2231	389	19	xiong	xiong	PROPN
bjmsr-2231	389	20	,	,	PUNCT
bjmsr-2231	389	21	z.	z.	PROPN
bjmsr-2231	389	22	(	(	PUNCT
bjmsr-2231	389	23	2015	2015	NUM
bjmsr-2231	389	24	)	)	PUNCT
bjmsr-2231	389	25	.	.	PUNCT
bjmsr-2231	390	1	social	social	ADJ
bjmsr-2231	390	2	aware	aware	ADJ
bjmsr-2231	390	3	mobile	mobile	ADJ
bjmsr-2231	390	4	payment	payment	NOUN
bjmsr-2231	390	5	service	service	NOUN
bjmsr-2231	390	6	popularity	popularity	NOUN
bjmsr-2231	390	7	analysis	analysis	NOUN
bjmsr-2231	390	8	:	:	PUNCT
bjmsr-2231	390	9	the	the	DET
bjmsr-2231	390	10	case	case	NOUN
bjmsr-2231	390	11	of	of	ADP
bjmsr-2231	390	12	wechat	wechat	PROPN
bjmsr-2231	390	13	payment	payment	NOUN
bjmsr-2231	390	14	in	in	ADP
bjmsr-2231	390	15	china	china	PROPN
bjmsr-2231	390	16	.	.	PUNCT
bjmsr-2231	391	1	in	in	ADP
bjmsr-2231	391	2	advances	advance	NOUN
bjmsr-2231	391	3	in	in	ADP
bjmsr-2231	391	4	services	service	NOUN
bjmsr-2231	391	5	computing	compute	VERB
bjmsr-2231	391	6	:	:	PUNCT
bjmsr-2231	391	7	9th	9th	ADJ
bjmsr-2231	391	8	asia	asia	PROPN
bjmsr-2231	391	9	-	-	PUNCT
bjmsr-2231	391	10	pacific	pacific	PROPN
bjmsr-2231	391	11	services	services	PROPN
bjmsr-2231	391	12	computing	computing	NOUN
bjmsr-2231	391	13	conference	conference	NOUN
bjmsr-2231	391	14	,	,	PUNCT
bjmsr-2231	391	15	apscc	apscc	PROPN
bjmsr-2231	391	16	2015	2015	NUM
bjmsr-2231	391	17	,	,	PUNCT
bjmsr-2231	391	18	bangkok	bangkok	PROPN
bjmsr-2231	391	19	,	,	PUNCT
bjmsr-2231	391	20	thailand	thailand	PROPN
bjmsr-2231	391	21	,	,	PUNCT
bjmsr-2231	391	22	december	december	PROPN
bjmsr-2231	391	23	7	7	NUM
bjmsr-2231	391	24	-	-	SYM
bjmsr-2231	391	25	9	9	NUM
bjmsr-2231	391	26	,	,	PUNCT
bjmsr-2231	391	27	2015	2015	NUM
bjmsr-2231	391	28	,	,	PUNCT
bjmsr-2231	391	29	proceedings	proceeding	NOUN
bjmsr-2231	391	30	9	9	NUM
bjmsr-2231	391	31	(	(	PUNCT
bjmsr-2231	391	32	pp	pp	ADJ
bjmsr-2231	391	33	.	.	PUNCT
bjmsr-2231	391	34	289	289	NUM
bjmsr-2231	391	35	-	-	SYM
bjmsr-2231	391	36	299	299	NUM
bjmsr-2231	391	37	)	)	PUNCT
bjmsr-2231	391	38	.	.	PUNCT
bjmsr-2231	392	1	https://doi.org/10.1007/978-3-319-26979-5_22	https://doi.org/10.1007/978-3-319-26979-5_22	PROPN
bjmsr-2231	392	2	rohilla	rohilla	PROPN
bjmsr-2231	392	3	,	,	PUNCT
bjmsr-2231	392	4	a.	a.	NOUN
bjmsr-2231	392	5	(	(	PUNCT
bjmsr-2231	392	6	2017	2017	NUM
bjmsr-2231	392	7	)	)	PUNCT
bjmsr-2231	392	8	.	.	PUNCT
bjmsr-2231	393	1	state	state	NOUN
bjmsr-2231	393	2	-	-	PUNCT
bjmsr-2231	393	3	wise	wise	ADJ
bjmsr-2231	393	4	assessment	assessment	NOUN
bjmsr-2231	393	5	of	of	ADP
bjmsr-2231	393	6	banking	banking	NOUN
bjmsr-2231	393	7	frauds	fraud	NOUN
bjmsr-2231	393	8	in	in	ADP
bjmsr-2231	393	9	india	india	PROPN
bjmsr-2231	393	10	:	:	PUNCT
bjmsr-2231	393	11	a	a	DET
bjmsr-2231	393	12	study	study	NOUN
bjmsr-2231	393	13	of	of	ADP
bjmsr-2231	393	14	trends	trend	NOUN
bjmsr-2231	393	15	in	in	ADP
bjmsr-2231	393	16	21st	21st	ADJ
bjmsr-2231	393	17	century	century	NOUN
bjmsr-2231	393	18	.	.	PUNCT
bjmsr-2231	394	1	mudra	mudra	PROPN
bjmsr-2231	394	2	:	:	PUNCT
bjmsr-2231	394	3	journal	journal	NOUN
bjmsr-2231	394	4	of	of	ADP
bjmsr-2231	394	5	finance	finance	NOUN
bjmsr-2231	394	6	and	and	CCONJ
bjmsr-2231	394	7	accounting	accounting	NOUN
bjmsr-2231	394	8	,	,	PUNCT
bjmsr-2231	394	9	4(2	4(2	NUM
bjmsr-2231	394	10	)	)	PUNCT
bjmsr-2231	394	11	,	,	PUNCT
bjmsr-2231	394	12	127	127	NUM
bjmsr-2231	394	13	-	-	SYM
bjmsr-2231	394	14	144	144	NUM
bjmsr-2231	394	15	.	.	PUNCT
bjmsr-2231	394	16	ramasamy	ramasamy	PROPN
bjmsr-2231	394	17	,	,	PUNCT
bjmsr-2231	394	18	m.	m.	NOUN
bjmsr-2231	394	19	,	,	PUNCT
bjmsr-2231	394	20	subbiah	subbiah	PROPN
bjmsr-2231	394	21	,	,	PUNCT
bjmsr-2231	394	22	j.	j.	PROPN
bjmsr-2231	394	23	,	,	PUNCT
bjmsr-2231	394	24	bordoloi	bordoloi	PROPN
bjmsr-2231	394	25	,	,	PUNCT
bjmsr-2231	394	26	d.	d.	PROPN
bjmsr-2231	394	27	,	,	PUNCT
bjmsr-2231	394	28	&	&	CCONJ
bjmsr-2231	394	29	ramalingam	ramalingam	NOUN
bjmsr-2231	394	30	,	,	PUNCT
bjmsr-2231	394	31	p.	p.	NOUN
bjmsr-2231	394	32	(	(	PUNCT
bjmsr-2231	394	33	2024	2024	NUM
bjmsr-2231	394	34	)	)	PUNCT
bjmsr-2231	394	35	.	.	PUNCT
bjmsr-2231	395	1	bankers	banker	NOUN
bjmsr-2231	395	2	’	'	PUNCT
bjmsr-2231	395	3	perspective	perspective	NOUN
bjmsr-2231	395	4	on	on	ADP
bjmsr-2231	395	5	social	social	ADJ
bjmsr-2231	395	6	media	medium	NOUN
bjmsr-2231	395	7	banking	banking	NOUN
bjmsr-2231	395	8	:	:	PUNCT
bjmsr-2231	395	9	a	a	DET
bjmsr-2231	395	10	study	study	NOUN
bjmsr-2231	395	11	with	with	ADP
bjmsr-2231	395	12	special	special	ADJ
bjmsr-2231	395	13	reference	reference	NOUN
bjmsr-2231	395	14	to	to	PART
bjmsr-2231	395	15	select	select	VERB
bjmsr-2231	395	16	indian	indian	ADJ
bjmsr-2231	395	17	banks	bank	NOUN
bjmsr-2231	395	18	.	.	PUNCT
bjmsr-2231	396	1	bangladesh	bangladesh	PROPN
bjmsr-2231	396	2	journal	journal	PROPN
bjmsr-2231	396	3	of	of	ADP
bjmsr-2231	396	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	396	5	scientific	scientific	ADJ
bjmsr-2231	396	6	research	research	NOUN
bjmsr-2231	396	7	,	,	PUNCT
bjmsr-2231	396	8	9(2	9(2	NUM
bjmsr-2231	396	9	)	)	PUNCT
bjmsr-2231	396	10	,	,	PUNCT
bjmsr-2231	396	11	1	1	NUM
bjmsr-2231	396	12	-	-	SYM
bjmsr-2231	396	13	9	9	NUM
bjmsr-2231	396	14	.	.	PUNCT
bjmsr-2231	397	1	https://doi.org/10.46281/bjmsr.v9i2.2210	https://doi.org/10.46281/bjmsr.v9i2.2210	VERB
bjmsr-2231	397	2	file:///c:/users	file:///c:/user	NOUN
bjmsr-2231	397	3	/	/	SYM
bjmsr-2231	397	4	iiita	iiita	PROPN
bjmsr-2231	397	5	/	/	SYM
bjmsr-2231	397	6	downloads/.%20https:/doi.org/10.1038	downloads/.%20https:/doi.org/10.1038	NOUN
bjmsr-2231	397	7	/	/	SYM
bjmsr-2231	397	8	s41591	s41591	NOUN
bjmsr-2231	397	9	-	-	PUNCT
bjmsr-2231	397	10	020	020	NUM
bjmsr-2231	397	11	-	-	PUNCT
bjmsr-2231	397	12	1016	1016	NUM
bjmsr-2231	397	13	-	-	PUNCT
bjmsr-2231	397	14	z	z	NOUN
bjmsr-2231	397	15	https://doi.org/10.1007/978-3-030-38858-4_14	https://doi.org/10.1007/978-3-030-38858-4_14	PROPN
bjmsr-2231	397	16	https://doi.org/10.1016/j.elerap.2023.101275	https://doi.org/10.1016/j.elerap.2023.101275	PROPN
bjmsr-2231	397	17	https://doi.org/10.1016/j.techfore.2017.12.015	https://doi.org/10.1016/j.techfore.2017.12.015	VERB
bjmsr-2231	397	18	https://doi.org/10.1109/icsssm.2018.8465029	https://doi.org/10.1109/icsssm.2018.8465029	PROPN
bjmsr-2231	397	19	https://doi.org/10.1017/s0305741019001073	https://doi.org/10.1017/s0305741019001073	NUM
bjmsr-2231	397	20	https://doi.org/10.1016/j.jbusres.2019.08.032	https://doi.org/10.1016/j.jbusres.2019.08.032	PRON
bjmsr-2231	397	21	http://dx.doi.org/10.5859/kais.2017.26.4.247	http://dx.doi.org/10.5859/kais.2017.26.4.247	PROPN
bjmsr-2231	397	22	https://doi.org/10.3390/su12176878	https://doi.org/10.3390/su12176878	ADV
bjmsr-2231	397	23	https://doi.org/10.4067/s0718-18762018000300106	https://doi.org/10.4067/s0718-18762018000300106	PROPN
bjmsr-2231	397	24	https://doi.org/10.1007/978-3-319-26979-5_22	https://doi.org/10.1007/978-3-319-26979-5_22	PROPN
bjmsr-2231	397	25	pandey	pandey	PROPN
bjmsr-2231	397	26	et	et	PROPN
bjmsr-2231	397	27	al	al	PROPN
bjmsr-2231	397	28	.	.	PROPN
bjmsr-2231	397	29	,	,	PUNCT
bjmsr-2231	397	30	bangladesh	bangladesh	PROPN
bjmsr-2231	397	31	journal	journal	NOUN
bjmsr-2231	397	32	of	of	ADP
bjmsr-2231	397	33	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	397	34	scientific	scientific	ADJ
bjmsr-2231	397	35	research	research	NOUN
bjmsr-2231	397	36	9(3	9(3	NUM
bjmsr-2231	397	37	)	)	PUNCT
bjmsr-2231	397	38	(	(	PUNCT
bjmsr-2231	397	39	2024	2024	NUM
bjmsr-2231	397	40	)	)	PUNCT
bjmsr-2231	397	41	,	,	PUNCT
bjmsr-2231	397	42	33	33	NUM
bjmsr-2231	397	43	-	-	SYM
bjmsr-2231	397	44	41	41	NUM
bjmsr-2231	397	45	41	41	NUM
bjmsr-2231	397	46	seldal	seldal	ADJ
bjmsr-2231	397	47	,	,	PUNCT
bjmsr-2231	397	48	m.	m.	NOUN
bjmsr-2231	397	49	n.	n.	PROPN
bjmsr-2231	397	50	,	,	PUNCT
bjmsr-2231	397	51	&	&	CCONJ
bjmsr-2231	397	52	nyhus	nyhus	PROPN
bjmsr-2231	397	53	,	,	PUNCT
bjmsr-2231	397	54	e.	e.	PROPN
bjmsr-2231	397	55	k.	k.	PROPN
bjmsr-2231	397	56	(	(	PUNCT
bjmsr-2231	397	57	2022	2022	NUM
bjmsr-2231	397	58	)	)	PUNCT
bjmsr-2231	397	59	.	.	PUNCT
bjmsr-2231	398	1	financial	financial	ADJ
bjmsr-2231	398	2	vulnerability	vulnerability	NOUN
bjmsr-2231	398	3	,	,	PUNCT
bjmsr-2231	398	4	financial	financial	ADJ
bjmsr-2231	398	5	literacy	literacy	NOUN
bjmsr-2231	398	6	,	,	PUNCT
bjmsr-2231	398	7	and	and	CCONJ
bjmsr-2231	398	8	the	the	DET
bjmsr-2231	398	9	use	use	NOUN
bjmsr-2231	398	10	of	of	ADP
bjmsr-2231	398	11	digital	digital	ADJ
bjmsr-2231	398	12	payment	payment	NOUN
bjmsr-2231	398	13	technologies	technology	NOUN
bjmsr-2231	398	14	.	.	PUNCT
bjmsr-2231	399	1	journal	journal	NOUN
bjmsr-2231	399	2	of	of	ADP
bjmsr-2231	399	3	consumer	consumer	NOUN
bjmsr-2231	399	4	policy	policy	NOUN
bjmsr-2231	399	5	,	,	PUNCT
bjmsr-2231	399	6	45(2	45(2	NOUN
bjmsr-2231	399	7	)	)	PUNCT
bjmsr-2231	399	8	,	,	PUNCT
bjmsr-2231	399	9	281	281	NUM
bjmsr-2231	399	10	-	-	SYM
bjmsr-2231	399	11	306	306	NUM
bjmsr-2231	399	12	.	.	PUNCT
bjmsr-2231	400	1	https://doi.org/10.1007/s10603-022-09512-9	https://doi.org/10.1007/s10603-022-09512-9	VERB
bjmsr-2231	400	2	singhal	singhal	PROPN
bjmsr-2231	400	3	,	,	PUNCT
bjmsr-2231	400	4	j.	j.	PROPN
bjmsr-2231	400	5	,	,	PUNCT
bjmsr-2231	400	6	&	&	CCONJ
bjmsr-2231	400	7	chauhan	chauhan	PROPN
bjmsr-2231	400	8	,	,	PUNCT
bjmsr-2231	400	9	v.	v.	PROPN
bjmsr-2231	400	10	(	(	PUNCT
bjmsr-2231	400	11	2021	2021	NUM
bjmsr-2231	400	12	)	)	PUNCT
bjmsr-2231	400	13	.	.	PUNCT
bjmsr-2231	401	1	analytical	analytical	ADJ
bjmsr-2231	401	2	study	study	NOUN
bjmsr-2231	401	3	of	of	ADP
bjmsr-2231	401	4	pmc	pmc	PROPN
bjmsr-2231	401	5	(	(	PUNCT
bjmsr-2231	401	6	punjab	punjab	PROPN
bjmsr-2231	401	7	&	&	CCONJ
bjmsr-2231	401	8	maharashtra	maharashtra	PROPN
bjmsr-2231	401	9	co	co	PROPN
bjmsr-2231	401	10	-	-	ADJ
bjmsr-2231	401	11	operative	operative	ADJ
bjmsr-2231	401	12	bank	bank	NOUN
bjmsr-2231	401	13	)	)	PUNCT
bjmsr-2231	401	14	by	by	ADP
bjmsr-2231	401	15	considering	consider	VERB
bjmsr-2231	401	16	financial	financial	ADJ
bjmsr-2231	401	17	failure	failure	NOUN
bjmsr-2231	401	18	of	of	ADP
bjmsr-2231	401	19	bank	bank	NOUN
bjmsr-2231	401	20	.	.	PUNCT
bjmsr-2231	402	1	globus	globus	NOUN
bjmsr-2231	402	2	-	-	PUNCT
bjmsr-2231	402	3	an	an	DET
bjmsr-2231	402	4	international	international	ADJ
bjmsr-2231	402	5	journal	journal	NOUN
bjmsr-2231	402	6	of	of	ADP
bjmsr-2231	402	7	management	management	NOUN
bjmsr-2231	402	8	and	and	CCONJ
bjmsr-2231	402	9	it	it	PRON
bjmsr-2231	402	10	,	,	PUNCT
bjmsr-2231	402	11	12(2	12(2	NUM
bjmsr-2231	402	12	)	)	PUNCT
bjmsr-2231	402	13	,	,	PUNCT
bjmsr-2231	402	14	6	6	NUM
bjmsr-2231	402	15	-	-	SYM
bjmsr-2231	402	16	10	10	NUM
bjmsr-2231	402	17	.	.	PUNCT
bjmsr-2231	402	18	smith	smith	PROPN
bjmsr-2231	402	19	,	,	PUNCT
bjmsr-2231	402	20	j.	j.	PROPN
bjmsr-2231	402	21	(	(	PUNCT
bjmsr-2231	402	22	2022	2022	NUM
bjmsr-2231	402	23	)	)	PUNCT
bjmsr-2231	402	24	.	.	PUNCT
bjmsr-2231	403	1	the	the	DET
bjmsr-2231	403	2	rise	rise	NOUN
bjmsr-2231	403	3	of	of	ADP
bjmsr-2231	403	4	mobile	mobile	ADJ
bjmsr-2231	403	5	banking	banking	NOUN
bjmsr-2231	403	6	:	:	PUNCT
bjmsr-2231	403	7	how	how	SCONJ
bjmsr-2231	403	8	smartphones	smartphone	NOUN
bjmsr-2231	403	9	are	be	AUX
bjmsr-2231	403	10	transforming	transform	VERB
bjmsr-2231	403	11	financial	financial	ADJ
bjmsr-2231	403	12	transactions	transaction	NOUN
bjmsr-2231	403	13	.	.	PUNCT
bjmsr-2231	404	1	financial	financial	ADJ
bjmsr-2231	404	2	times	time	NOUN
bjmsr-2231	404	3	.	.	PUNCT
bjmsr-2231	405	1	sun	sun	PROPN
bjmsr-2231	405	2	,	,	PUNCT
bjmsr-2231	405	3	s.	s.	PROPN
bjmsr-2231	405	4	,	,	PUNCT
bjmsr-2231	405	5	law	law	NOUN
bjmsr-2231	405	6	,	,	PUNCT
bjmsr-2231	405	7	r.	r.	PROPN
bjmsr-2231	405	8	,	,	PUNCT
bjmsr-2231	405	9	&	&	CCONJ
bjmsr-2231	405	10	zhong	zhong	PROPN
bjmsr-2231	405	11	,	,	PUNCT
bjmsr-2231	405	12	l.	l.	PROPN
bjmsr-2231	405	13	(	(	PUNCT
bjmsr-2231	405	14	2021	2021	NUM
bjmsr-2231	405	15	)	)	PUNCT
bjmsr-2231	405	16	.	.	PUNCT
bjmsr-2231	406	1	mobile	mobile	ADJ
bjmsr-2231	406	2	payment	payment	NOUN
bjmsr-2231	406	3	failure	failure	NOUN
bjmsr-2231	406	4	during	during	ADP
bjmsr-2231	406	5	travel	travel	NOUN
bjmsr-2231	406	6	.	.	PUNCT
bjmsr-2231	407	1	journal	journal	PROPN
bjmsr-2231	407	2	of	of	ADP
bjmsr-2231	407	3	china	china	PROPN
bjmsr-2231	407	4	tourism	tourism	PROPN
bjmsr-2231	407	5	research	research	NOUN
bjmsr-2231	407	6	,	,	PUNCT
bjmsr-2231	407	7	17(1	17(1	NUM
bjmsr-2231	407	8	)	)	PUNCT
bjmsr-2231	407	9	,	,	PUNCT
bjmsr-2231	407	10	73	73	NUM
bjmsr-2231	407	11	-	-	SYM
bjmsr-2231	407	12	89	89	NUM
bjmsr-2231	407	13	.	.	PUNCT
bjmsr-2231	407	14	tang	tang	PROPN
bjmsr-2231	407	15	,	,	PUNCT
bjmsr-2231	407	16	y.	y.	PROPN
bjmsr-2231	407	17	m.	m.	NOUN
bjmsr-2231	407	18	,	,	PUNCT
bjmsr-2231	407	19	chau	chau	NOUN
bjmsr-2231	407	20	,	,	PUNCT
bjmsr-2231	407	21	k.	k.	PROPN
bjmsr-2231	407	22	y.	y.	PROPN
bjmsr-2231	407	23	,	,	PUNCT
bjmsr-2231	407	24	hong	hong	PROPN
bjmsr-2231	407	25	,	,	PUNCT
bjmsr-2231	407	26	l.	l.	PROPN
bjmsr-2231	407	27	,	,	PUNCT
bjmsr-2231	407	28	ip	ip	PROPN
bjmsr-2231	407	29	,	,	PUNCT
bjmsr-2231	407	30	y.	y.	PROPN
bjmsr-2231	407	31	k.	k.	PROPN
bjmsr-2231	407	32	,	,	PUNCT
bjmsr-2231	407	33	&	&	CCONJ
bjmsr-2231	407	34	yan	yan	PROPN
bjmsr-2231	407	35	,	,	PUNCT
bjmsr-2231	407	36	w.	w.	PROPN
bjmsr-2231	407	37	(	(	PUNCT
bjmsr-2231	407	38	2021	2021	NUM
bjmsr-2231	407	39	)	)	PUNCT
bjmsr-2231	407	40	.	.	PUNCT
bjmsr-2231	408	1	financial	financial	ADJ
bjmsr-2231	408	2	innovation	innovation	NOUN
bjmsr-2231	408	3	in	in	ADP
bjmsr-2231	408	4	digital	digital	ADJ
bjmsr-2231	408	5	payment	payment	NOUN
bjmsr-2231	408	6	with	with	ADP
bjmsr-2231	408	7	wechat	wechat	NOUN
bjmsr-2231	408	8	towards	towards	ADP
bjmsr-2231	408	9	electronic	electronic	ADJ
bjmsr-2231	408	10	business	business	NOUN
bjmsr-2231	408	11	success	success	NOUN
bjmsr-2231	408	12	.	.	PUNCT
bjmsr-2231	409	1	journal	journal	NOUN
bjmsr-2231	409	2	of	of	ADP
bjmsr-2231	409	3	theoretical	theoretical	ADJ
bjmsr-2231	409	4	and	and	CCONJ
bjmsr-2231	409	5	applied	apply	VERB
bjmsr-2231	409	6	electronic	electronic	ADJ
bjmsr-2231	409	7	commerce	commerce	NOUN
bjmsr-2231	409	8	research	research	NOUN
bjmsr-2231	409	9	,	,	PUNCT
bjmsr-2231	409	10	16(5	16(5	NUM
bjmsr-2231	409	11	)	)	PUNCT
bjmsr-2231	409	12	,	,	PUNCT
bjmsr-2231	409	13	1844	1844	NUM
bjmsr-2231	409	14	-	-	SYM
bjmsr-2231	409	15	1861	1861	NUM
bjmsr-2231	409	16	.	.	PUNCT
bjmsr-2231	410	1	https://doi.org/10.3390/jtaer16050103	https://doi.org/10.3390/jtaer16050103	PROPN
bjmsr-2231	410	2	tavera	tavera	NOUN
bjmsr-2231	410	3	-	-	PUNCT
bjmsr-2231	410	4	mesías	mesías	NOUN
bjmsr-2231	410	5	,	,	PUNCT
bjmsr-2231	410	6	j.	j.	PROPN
bjmsr-2231	410	7	f.	f.	PROPN
bjmsr-2231	410	8	,	,	PUNCT
bjmsr-2231	410	9	van	van	PROPN
bjmsr-2231	410	10	klyton	klyton	PROPN
bjmsr-2231	410	11	,	,	PUNCT
bjmsr-2231	410	12	a.	a.	PROPN
bjmsr-2231	410	13	,	,	PUNCT
bjmsr-2231	410	14	&	&	CCONJ
bjmsr-2231	410	15	collazos	collazos	PROPN
bjmsr-2231	410	16	,	,	PUNCT
bjmsr-2231	410	17	a.	a.	PROPN
bjmsr-2231	410	18	z.	z.	PROPN
bjmsr-2231	410	19	(	(	PUNCT
bjmsr-2231	410	20	2023	2023	NUM
bjmsr-2231	410	21	)	)	PUNCT
bjmsr-2231	410	22	.	.	PUNCT
bjmsr-2231	411	1	technology	technology	NOUN
bjmsr-2231	411	2	readiness	readiness	NOUN
bjmsr-2231	411	3	,	,	PUNCT
bjmsr-2231	411	4	mobile	mobile	ADJ
bjmsr-2231	411	5	payments	payment	NOUN
bjmsr-2231	411	6	and	and	CCONJ
bjmsr-2231	411	7	gender	gender	NOUN
bjmsr-2231	411	8	-	-	PUNCT
bjmsr-2231	411	9	a	a	DET
bjmsr-2231	411	10	reflective	reflective	ADJ
bjmsr-2231	411	11	-	-	PUNCT
bjmsr-2231	411	12	formative	formative	ADJ
bjmsr-2231	411	13	second	second	ADJ
bjmsr-2231	411	14	order	order	NOUN
bjmsr-2231	411	15	approach	approach	NOUN
bjmsr-2231	411	16	.	.	PUNCT
bjmsr-2231	412	1	behaviour	behaviour	NOUN
bjmsr-2231	412	2	&	&	CCONJ
bjmsr-2231	412	3	information	information	PROPN
bjmsr-2231	412	4	technology	technology	PROPN
bjmsr-2231	412	5	,	,	PUNCT
bjmsr-2231	412	6	42(7	42(7	NOUN
bjmsr-2231	412	7	)	)	PUNCT
bjmsr-2231	412	8	,	,	PUNCT
bjmsr-2231	412	9	1005	1005	NUM
bjmsr-2231	412	10	-	-	SYM
bjmsr-2231	412	11	1023	1023	NUM
bjmsr-2231	412	12	.	.	PUNCT
bjmsr-2231	413	1	https://doi.org/10.1080/0144929x.2022.2054729	https://doi.org/10.1080/0144929x.2022.2054729	X
bjmsr-2231	413	2	tinmaz	tinmaz	PROPN
bjmsr-2231	413	3	,	,	PUNCT
bjmsr-2231	413	4	h.	h.	PROPN
bjmsr-2231	413	5	,	,	PUNCT
bjmsr-2231	413	6	&	&	CCONJ
bjmsr-2231	413	7	doan	doan	PROPN
bjmsr-2231	413	8	,	,	PUNCT
bjmsr-2231	413	9	v.	v.	ADP
bjmsr-2231	413	10	p.	p.	NOUN
bjmsr-2231	413	11	(	(	PUNCT
bjmsr-2231	413	12	2023	2023	NUM
bjmsr-2231	413	13	)	)	PUNCT
bjmsr-2231	413	14	.	.	PUNCT
bjmsr-2231	414	1	user	user	NOUN
bjmsr-2231	414	2	perceptions	perception	NOUN
bjmsr-2231	414	3	of	of	ADP
bjmsr-2231	414	4	wechat	wechat	PROPN
bjmsr-2231	414	5	and	and	CCONJ
bjmsr-2231	414	6	wechat	wechat	PRON
bjmsr-2231	414	7	pay	pay	VERB
bjmsr-2231	414	8	in	in	ADP
bjmsr-2231	414	9	china	china	PROPN
bjmsr-2231	414	10	.	.	PUNCT
bjmsr-2231	415	1	global	global	ADJ
bjmsr-2231	415	2	knowledge	knowledge	NOUN
bjmsr-2231	415	3	,	,	PUNCT
bjmsr-2231	415	4	memory	memory	NOUN
bjmsr-2231	415	5	and	and	CCONJ
bjmsr-2231	415	6	communication	communication	NOUN
bjmsr-2231	415	7	,	,	PUNCT
bjmsr-2231	415	8	72(8/9	72(8/9	NUM
bjmsr-2231	415	9	)	)	PUNCT
bjmsr-2231	415	10	,	,	PUNCT
bjmsr-2231	415	11	797	797	NUM
bjmsr-2231	415	12	-	-	SYM
bjmsr-2231	415	13	812	812	NUM
bjmsr-2231	415	14	.	.	PUNCT
bjmsr-2231	416	1	https://doi.org/10.1108/gkmc-12-2021-0195	https://doi.org/10.1108/gkmc-12-2021-0195	PROPN
bjmsr-2231	416	2	unger	unger	PROPN
bjmsr-2231	416	3	,	,	PUNCT
bjmsr-2231	416	4	c.	c.	PROPN
bjmsr-2231	416	5	,	,	PUNCT
bjmsr-2231	416	6	murthy	murthy	PROPN
bjmsr-2231	416	7	,	,	PUNCT
bjmsr-2231	416	8	d.	d.	PROPN
bjmsr-2231	416	9	,	,	PUNCT
bjmsr-2231	416	10	acker	acker	PROPN
bjmsr-2231	416	11	,	,	PUNCT
bjmsr-2231	416	12	a.	a.	PROPN
bjmsr-2231	416	13	,	,	PUNCT
bjmsr-2231	416	14	arora	arora	PROPN
bjmsr-2231	416	15	,	,	PUNCT
bjmsr-2231	416	16	i.	i.	PROPN
bjmsr-2231	416	17	,	,	PUNCT
bjmsr-2231	416	18	&	&	CCONJ
bjmsr-2231	416	19	chang	chang	PROPN
bjmsr-2231	416	20	,	,	PUNCT
bjmsr-2231	416	21	a.	a.	PROPN
bjmsr-2231	416	22	(	(	PUNCT
bjmsr-2231	416	23	2020	2020	NUM
bjmsr-2231	416	24	)	)	PUNCT
bjmsr-2231	416	25	.	.	PUNCT
bjmsr-2231	417	1	examining	examine	VERB
bjmsr-2231	417	2	the	the	DET
bjmsr-2231	417	3	evolution	evolution	NOUN
bjmsr-2231	417	4	of	of	ADP
bjmsr-2231	417	5	mobile	mobile	ADJ
bjmsr-2231	417	6	social	social	ADJ
bjmsr-2231	417	7	payments	payment	NOUN
bjmsr-2231	417	8	in	in	ADP
bjmsr-2231	417	9	venmo	venmo	NOUN
bjmsr-2231	417	10	.	.	PUNCT
bjmsr-2231	418	1	in	in	ADP
bjmsr-2231	418	2	international	international	ADJ
bjmsr-2231	418	3	conference	conference	NOUN
bjmsr-2231	418	4	on	on	ADP
bjmsr-2231	418	5	social	social	ADJ
bjmsr-2231	418	6	media	medium	NOUN
bjmsr-2231	418	7	and	and	CCONJ
bjmsr-2231	418	8	society	society	NOUN
bjmsr-2231	418	9	(	(	PUNCT
bjmsr-2231	418	10	pp	pp	ADJ
bjmsr-2231	418	11	.	.	PUNCT
bjmsr-2231	419	1	101	101	NUM
bjmsr-2231	419	2	-	-	SYM
bjmsr-2231	419	3	110	110	NUM
bjmsr-2231	419	4	)	)	PUNCT
bjmsr-2231	419	5	.	.	PUNCT
bjmsr-2231	420	1	wang	wang	PROPN
bjmsr-2231	420	2	,	,	PUNCT
bjmsr-2231	420	3	j.	j.	PROPN
bjmsr-2231	420	4	,	,	PUNCT
bjmsr-2231	420	5	&	&	CCONJ
bjmsr-2231	420	6	gu	gu	PROPN
bjmsr-2231	420	7	,	,	PUNCT
bjmsr-2231	420	8	l.	l.	PROPN
bjmsr-2231	420	9	(	(	PUNCT
bjmsr-2231	420	10	2017	2017	NUM
bjmsr-2231	420	11	)	)	PUNCT
bjmsr-2231	420	12	.	.	PUNCT
bjmsr-2231	421	1	why	why	SCONJ
bjmsr-2231	421	2	is	be	AUX
bjmsr-2231	421	3	wechat	wechat	NOUN
bjmsr-2231	421	4	pay	pay	VERB
bjmsr-2231	421	5	so	so	ADV
bjmsr-2231	421	6	popular	popular	ADJ
bjmsr-2231	421	7	.	.	PUNCT
bjmsr-2231	421	8	?	?	PUNCT
bjmsr-2231	422	1	issues	issue	NOUN
bjmsr-2231	422	2	in	in	ADP
bjmsr-2231	422	3	information	information	NOUN
bjmsr-2231	422	4	systems	system	NOUN
bjmsr-2231	422	5	,	,	PUNCT
bjmsr-2231	422	6	18(4	18(4	NUM
bjmsr-2231	422	7	)	)	PUNCT
bjmsr-2231	422	8	,	,	PUNCT
bjmsr-2231	422	9	1	1	NUM
bjmsr-2231	422	10	-	-	SYM
bjmsr-2231	422	11	8	8	NUM
bjmsr-2231	422	12	.	.	PUNCT
bjmsr-2231	423	1	https://doi.org/10.48009/4_iis_2017_1-8	https://doi.org/10.48009/4_iis_2017_1-8	PROPN
bjmsr-2231	423	2	wei	wei	PROPN
bjmsr-2231	423	3	,	,	PUNCT
bjmsr-2231	423	4	r.	r.	PROPN
bjmsr-2231	423	5	,	,	PUNCT
bjmsr-2231	423	6	zheng	zheng	PROPN
bjmsr-2231	423	7	,	,	PUNCT
bjmsr-2231	423	8	f.	f.	PROPN
bjmsr-2231	423	9	,	,	PUNCT
bjmsr-2231	423	10	gao	gao	PROPN
bjmsr-2231	423	11	,	,	PUNCT
bjmsr-2231	423	12	l.	l.	PROPN
bjmsr-2231	423	13	,	,	PUNCT
bjmsr-2231	423	14	dong	dong	PROPN
bjmsr-2231	423	15	,	,	PUNCT
bjmsr-2231	423	16	j.	j.	PROPN
bjmsr-2231	423	17	,	,	PUNCT
bjmsr-2231	423	18	fan	fan	PROPN
bjmsr-2231	423	19	,	,	PUNCT
bjmsr-2231	423	20	g.	g.	PROPN
bjmsr-2231	423	21	,	,	PUNCT
bjmsr-2231	423	22	wan	wan	PROPN
bjmsr-2231	423	23	,	,	PUNCT
bjmsr-2231	423	24	l.	l.	PROPN
bjmsr-2231	423	25	,	,	PUNCT
bjmsr-2231	423	26	...	...	PUNCT
bjmsr-2231	423	27	&	&	CCONJ
bjmsr-2231	423	28	wang	wang	PROPN
bjmsr-2231	423	29	,	,	PUNCT
bjmsr-2231	423	30	y.	y.	PROPN
bjmsr-2231	423	31	(	(	PUNCT
bjmsr-2231	423	32	2021	2021	NUM
bjmsr-2231	423	33	,	,	PUNCT
bjmsr-2231	423	34	december	december	PROPN
bjmsr-2231	423	35	)	)	PUNCT
bjmsr-2231	423	36	.	.	PUNCT
bjmsr-2231	424	1	heterogeneous	heterogeneous	ADJ
bjmsr-2231	424	2	-	-	PUNCT
bjmsr-2231	424	3	pake	pake	NOUN
bjmsr-2231	424	4	:	:	PUNCT
bjmsr-2231	424	5	bridging	bridge	VERB
bjmsr-2231	424	6	the	the	DET
bjmsr-2231	424	7	gap	gap	NOUN
bjmsr-2231	424	8	between	between	ADP
bjmsr-2231	424	9	pake	pake	PROPN
bjmsr-2231	424	10	protocols	protocol	NOUN
bjmsr-2231	424	11	and	and	CCONJ
bjmsr-2231	424	12	their	their	PRON
bjmsr-2231	424	13	real	real	ADJ
bjmsr-2231	424	14	-	-	PUNCT
bjmsr-2231	424	15	world	world	NOUN
bjmsr-2231	424	16	deployment	deployment	NOUN
bjmsr-2231	424	17	.	.	PUNCT
bjmsr-2231	425	1	in	in	ADP
bjmsr-2231	425	2	proceedings	proceeding	NOUN
bjmsr-2231	425	3	of	of	ADP
bjmsr-2231	425	4	the	the	DET
bjmsr-2231	425	5	37th	37th	ADJ
bjmsr-2231	425	6	annual	annual	ADJ
bjmsr-2231	425	7	computer	computer	NOUN
bjmsr-2231	425	8	security	security	NOUN
bjmsr-2231	425	9	applications	application	NOUN
bjmsr-2231	425	10	conference	conference	NOUN
bjmsr-2231	425	11	(	(	PUNCT
bjmsr-2231	425	12	pp	pp	ADJ
bjmsr-2231	425	13	.	.	PUNCT
bjmsr-2231	426	1	76	76	NUM
bjmsr-2231	426	2	-	-	SYM
bjmsr-2231	426	3	90	90	NUM
bjmsr-2231	426	4	)	)	PUNCT
bjmsr-2231	426	5	.	.	PUNCT
bjmsr-2231	427	1	wong	wong	PROPN
bjmsr-2231	427	2	,	,	PUNCT
bjmsr-2231	427	3	d.	d.	PROPN
bjmsr-2231	427	4	,	,	PUNCT
bjmsr-2231	427	5	liu	liu	PROPN
bjmsr-2231	427	6	,	,	PUNCT
bjmsr-2231	427	7	h.	h.	PROPN
bjmsr-2231	427	8	,	,	PUNCT
bjmsr-2231	427	9	meng	meng	PROPN
bjmsr-2231	427	10	-	-	PUNCT
bjmsr-2231	427	11	lewis	lewis	PROPN
bjmsr-2231	427	12	,	,	PUNCT
bjmsr-2231	427	13	y.	y.	PROPN
bjmsr-2231	427	14	,	,	PUNCT
bjmsr-2231	427	15	sun	sun	PROPN
bjmsr-2231	427	16	,	,	PUNCT
bjmsr-2231	427	17	y.	y.	PROPN
bjmsr-2231	427	18	,	,	PUNCT
bjmsr-2231	427	19	&	&	CCONJ
bjmsr-2231	427	20	zhang	zhang	PROPN
bjmsr-2231	427	21	,	,	PUNCT
bjmsr-2231	427	22	y.	y.	PROPN
bjmsr-2231	427	23	(	(	PUNCT
bjmsr-2231	427	24	2022	2022	NUM
bjmsr-2231	427	25	)	)	PUNCT
bjmsr-2231	427	26	.	.	PUNCT
bjmsr-2231	428	1	gamified	gamifie	VERB
bjmsr-2231	428	2	money	money	NOUN
bjmsr-2231	428	3	:	:	PUNCT
bjmsr-2231	428	4	exploring	explore	VERB
bjmsr-2231	428	5	the	the	DET
bjmsr-2231	428	6	effectiveness	effectiveness	NOUN
bjmsr-2231	428	7	of	of	ADP
bjmsr-2231	428	8	gamification	gamification	NOUN
bjmsr-2231	428	9	in	in	ADP
bjmsr-2231	428	10	mobile	mobile	ADJ
bjmsr-2231	428	11	payment	payment	NOUN
bjmsr-2231	428	12	adoption	adoption	NOUN
bjmsr-2231	428	13	among	among	ADP
bjmsr-2231	428	14	the	the	DET
bjmsr-2231	428	15	silver	silver	ADJ
bjmsr-2231	428	16	generation	generation	NOUN
bjmsr-2231	428	17	in	in	ADP
bjmsr-2231	428	18	china	china	PROPN
bjmsr-2231	428	19	.	.	PUNCT
bjmsr-2231	429	1	information	information	NOUN
bjmsr-2231	429	2	technology	technology	PROPN
bjmsr-2231	429	3	&	&	CCONJ
bjmsr-2231	429	4	people	people	NOUN
bjmsr-2231	429	5	,	,	PUNCT
bjmsr-2231	429	6	35(1	35(1	NUM
bjmsr-2231	429	7	)	)	PUNCT
bjmsr-2231	429	8	,	,	PUNCT
bjmsr-2231	429	9	281	281	NUM
bjmsr-2231	429	10	-	-	SYM
bjmsr-2231	429	11	315	315	NUM
bjmsr-2231	429	12	.	.	PUNCT
bjmsr-2231	430	1	https://doi.org/10.1108/itp-09-2019-0456	https://doi.org/10.1108/itp-09-2019-0456	PROPN
bjmsr-2231	430	2	wu	wu	PROPN
bjmsr-2231	430	3	,	,	PUNCT
bjmsr-2231	430	4	y.	y.	PROPN
bjmsr-2231	430	5	,	,	PUNCT
bjmsr-2231	430	6	schuster	schuster	PROPN
bjmsr-2231	430	7	,	,	PUNCT
bjmsr-2231	430	8	m.	m.	NOUN
bjmsr-2231	430	9	,	,	PUNCT
bjmsr-2231	430	10	chen	chen	PROPN
bjmsr-2231	430	11	,	,	PUNCT
bjmsr-2231	430	12	z.	z.	PROPN
bjmsr-2231	430	13	,	,	PUNCT
bjmsr-2231	430	14	le	le	PROPN
bjmsr-2231	430	15	,	,	PUNCT
bjmsr-2231	430	16	q.	q.	PROPN
bjmsr-2231	430	17	v.	v.	PROPN
bjmsr-2231	430	18	,	,	PUNCT
bjmsr-2231	430	19	norouzi	norouzi	PROPN
bjmsr-2231	430	20	,	,	PUNCT
bjmsr-2231	430	21	m.	m.	NOUN
bjmsr-2231	430	22	,	,	PUNCT
bjmsr-2231	430	23	macherey	macherey	PROPN
bjmsr-2231	430	24	,	,	PUNCT
bjmsr-2231	430	25	w.	w.	PROPN
bjmsr-2231	430	26	,	,	PUNCT
bjmsr-2231	430	27	...	...	PUNCT
bjmsr-2231	430	28	&	&	CCONJ
bjmsr-2231	430	29	dean	dean	PROPN
bjmsr-2231	430	30	,	,	PUNCT
bjmsr-2231	430	31	j.	j.	PROPN
bjmsr-2231	430	32	(	(	PUNCT
bjmsr-2231	430	33	2016	2016	NUM
bjmsr-2231	430	34	)	)	PUNCT
bjmsr-2231	430	35	.	.	PUNCT
bjmsr-2231	431	1	google	google	PROPN
bjmsr-2231	431	2	's	's	PART
bjmsr-2231	431	3	neural	neural	ADJ
bjmsr-2231	431	4	machine	machine	NOUN
bjmsr-2231	431	5	translation	translation	NOUN
bjmsr-2231	431	6	system	system	NOUN
bjmsr-2231	431	7	:	:	PUNCT
bjmsr-2231	431	8	bridging	bridge	VERB
bjmsr-2231	431	9	the	the	DET
bjmsr-2231	431	10	gap	gap	NOUN
bjmsr-2231	431	11	between	between	ADP
bjmsr-2231	431	12	human	human	ADJ
bjmsr-2231	431	13	and	and	CCONJ
bjmsr-2231	431	14	machine	machine	NOUN
bjmsr-2231	431	15	translation	translation	NOUN
bjmsr-2231	431	16	.	.	PUNCT
bjmsr-2231	432	1	arxiv	arxiv	PROPN
bjmsr-2231	432	2	preprint	preprint	VERB
bjmsr-2231	432	3	arxiv:1609.08144	arxiv:1609.08144	DET
bjmsr-2231	432	4	publisher	publisher	NOUN
bjmsr-2231	432	5	’s	’s	PART
bjmsr-2231	432	6	note	note	NOUN
bjmsr-2231	432	7	:	:	PUNCT
bjmsr-2231	432	8	cribfb	cribfb	PROPN
bjmsr-2231	432	9	stays	stay	VERB
bjmsr-2231	432	10	neutral	neutral	ADJ
bjmsr-2231	432	11	with	with	ADP
bjmsr-2231	432	12	regard	regard	NOUN
bjmsr-2231	432	13	to	to	ADP
bjmsr-2231	432	14	jurisdictional	jurisdictional	ADJ
bjmsr-2231	432	15	claims	claim	NOUN
bjmsr-2231	432	16	in	in	ADP
bjmsr-2231	432	17	published	publish	VERB
bjmsr-2231	432	18	maps	map	NOUN
bjmsr-2231	432	19	and	and	CCONJ
bjmsr-2231	432	20	institutional	institutional	ADJ
bjmsr-2231	432	21	affiliations	affiliation	NOUN
bjmsr-2231	432	22	©	©	ADP
bjmsr-2231	432	23	2024	2024	NUM
bjmsr-2231	432	24	by	by	ADP
bjmsr-2231	432	25	the	the	DET
bjmsr-2231	432	26	authors	author	NOUN
bjmsr-2231	432	27	.	.	PUNCT
bjmsr-2231	433	1	licensee	licensee	PROPN
bjmsr-2231	433	2	cribfb	cribfb	PROPN
bjmsr-2231	433	3	,	,	PUNCT
bjmsr-2231	433	4	usa	usa	PROPN
bjmsr-2231	433	5	.	.	PROPN
bjmsr-2231	434	1	this	this	DET
bjmsr-2231	434	2	open	open	ADJ
bjmsr-2231	434	3	-	-	PUNCT
bjmsr-2231	434	4	access	access	NOUN
bjmsr-2231	434	5	article	article	NOUN
bjmsr-2231	434	6	is	be	AUX
bjmsr-2231	434	7	distributed	distribute	VERB
bjmsr-2231	434	8	under	under	ADP
bjmsr-2231	434	9	the	the	DET
bjmsr-2231	434	10	terms	term	NOUN
bjmsr-2231	434	11	and	and	CCONJ
bjmsr-2231	434	12	conditions	condition	NOUN
bjmsr-2231	434	13	of	of	ADP
bjmsr-2231	434	14	the	the	DET
bjmsr-2231	434	15	creative	creative	ADJ
bjmsr-2231	434	16	commons	common	NOUN
bjmsr-2231	434	17	attribution	attribution	NOUN
bjmsr-2231	434	18	(	(	PUNCT
bjmsr-2231	434	19	cc	cc	NOUN
bjmsr-2231	434	20	by	by	ADP
bjmsr-2231	434	21	)	)	PUNCT
bjmsr-2231	434	22	license	license	NOUN
bjmsr-2231	434	23	(	(	PUNCT
bjmsr-2231	434	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2231	434	25	)	)	PUNCT
bjmsr-2231	434	26	.	.	PUNCT
bjmsr-2231	435	1	bangladesh	bangladesh	PROPN
bjmsr-2231	435	2	journal	journal	PROPN
bjmsr-2231	435	3	of	of	ADP
bjmsr-2231	435	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2231	435	5	scientific	scientific	ADJ
bjmsr-2231	435	6	research	research	NOUN
bjmsr-2231	435	7	(	(	PUNCT
bjmsr-2231	435	8	p	p	NOUN
bjmsr-2231	435	9	-	-	PUNCT
bjmsr-2231	435	10	issn	issn	PROPN
bjmsr-2231	435	11	2687	2687	NUM
bjmsr-2231	435	12	-	-	PUNCT
bjmsr-2231	435	13	850x	850x	NUM
bjmsr-2231	435	14	e	e	NOUN
bjmsr-2231	435	15	-	-	PROPN
bjmsr-2231	435	16	issn	issn	PROPN
bjmsr-2231	435	17	2687	2687	NUM
bjmsr-2231	435	18	-	-	SYM
bjmsr-2231	435	19	8518	8518	NUM
bjmsr-2231	435	20	)	)	PUNCT
bjmsr-2231	435	21	by	by	ADP
bjmsr-2231	435	22	cribfb	cribfb	PROPN
bjmsr-2231	435	23	is	be	AUX
bjmsr-2231	435	24	licensed	license	VERB
bjmsr-2231	435	25	under	under	ADP
bjmsr-2231	435	26	a	a	DET
bjmsr-2231	435	27	creative	creative	ADJ
bjmsr-2231	435	28	commons	common	NOUN
bjmsr-2231	435	29	attribution	attribution	NOUN
bjmsr-2231	435	30	4.0	4.0	NUM
bjmsr-2231	435	31	international	international	ADJ
bjmsr-2231	435	32	license	license	NOUN
bjmsr-2231	435	33	.	.	PUNCT
bjmsr-2231	436	1	https://doi.org/10.1007/s10603-022-09512-9	https://doi.org/10.1007/s10603-022-09512-9	VERB
bjmsr-2231	436	2	https://doi.org/10.3390/jtaer16050103	https://doi.org/10.3390/jtaer16050103	NOUN
bjmsr-2231	436	3	https://doi.org/10.1080/0144929x.2022.2054729	https://doi.org/10.1080/0144929x.2022.2054729	PROPN
bjmsr-2231	436	4	https://doi.org/10.48009/4_iis_2017_1-8	https://doi.org/10.48009/4_iis_2017_1-8	PROPN
bjmsr-2231	436	5	https://doi.org/10.1108/itp-09-2019-0456	https://doi.org/10.1108/itp-09-2019-0456	PROPN
bjmsr-2231	436	6	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	PROPN
bjmsr-2231	436	7	)	)	PUNCT
bjmsr-2231	436	8	.	.	PUNCT
bjmsr-2231	437	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2231	437	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2231	437	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN