id	sid	tid	token	lemma	pos
bjmsr-2280	1	1	bangladesh	bangladesh	PROPN
bjmsr-2280	1	2	journal	journal	PROPN
bjmsr-2280	1	3	of	of	ADP
bjmsr-2280	1	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	1	5	scientific	scientific	ADJ
bjmsr-2280	1	6	research	research	NOUN
bjmsr-2280	1	7	10(1	10(1	NUM
bjmsr-2280	1	8	)	)	PUNCT
bjmsr-2280	1	9	(	(	PUNCT
bjmsr-2280	1	10	2025	2025	NUM
bjmsr-2280	1	11	)	)	PUNCT
bjmsr-2280	1	12	,	,	PUNCT
bjmsr-2280	1	13	1	1	NUM
bjmsr-2280	1	14	-	-	SYM
bjmsr-2280	1	15	10	10	NUM
bjmsr-2280	1	16	1	1	NUM
bjmsr-2280	1	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	1	18	scientific	scientific	ADJ
bjmsr-2280	1	19	research	research	NOUN
bjmsr-2280	1	20	bjmsr	bjmsr	NOUN
bjmsr-2280	1	21	vol	vol	VERB
bjmsr-2280	1	22	10	10	NUM
bjmsr-2280	1	23	no	no	DET
bjmsr-2280	1	24	1	1	NUM
bjmsr-2280	1	25	(	(	PUNCT
bjmsr-2280	1	26	2025	2025	NUM
bjmsr-2280	1	27	)	)	PUNCT
bjmsr-2280	1	28	p	p	X
bjmsr-2280	1	29	-	-	PUNCT
bjmsr-2280	1	30	issn	issn	PROPN
bjmsr-2280	1	31	2687	2687	NUM
bjmsr-2280	1	32	-	-	PUNCT
bjmsr-2280	1	33	850x	850x	NUM
bjmsr-2280	1	34	e	e	NOUN
bjmsr-2280	1	35	-	-	PROPN
bjmsr-2280	1	36	issn	issn	PROPN
bjmsr-2280	1	37	2687	2687	NUM
bjmsr-2280	1	38	-	-	SYM
bjmsr-2280	1	39	8518	8518	NUM
bjmsr-2280	1	40	available	available	ADJ
bjmsr-2280	1	41	online	online	ADV
bjmsr-2280	1	42	at	at	ADP
bjmsr-2280	1	43	https://www.cribfb.com	https://www.cribfb.com	X
bjmsr-2280	1	44	journal	journal	PROPN
bjmsr-2280	1	45	homepage	homepage	NOUN
bjmsr-2280	1	46	:	:	PUNCT
bjmsr-2280	1	47	https://www.cribfb.com/journal/index.php/bjmsr	https://www.cribfb.com/journal/index.php/bjmsr	NOUN
bjmsr-2280	1	48	published	publish	VERB
bjmsr-2280	1	49	by	by	ADP
bjmsr-2280	1	50	cribfb	cribfb	PROPN
bjmsr-2280	1	51	,	,	PUNCT
bjmsr-2280	2	1	usa	usa	PROPN
bjmsr-2280	2	2	drivers	driver	NOUN
bjmsr-2280	2	3	influencing	influence	VERB
bjmsr-2280	2	4	the	the	DET
bjmsr-2280	2	5	usage	usage	NOUN
bjmsr-2280	2	6	intention	intention	NOUN
bjmsr-2280	2	7	towards	towards	ADP
bjmsr-2280	2	8	online	online	ADJ
bjmsr-2280	2	9	zakat	zakat	NOUN
bjmsr-2280	2	10	payment	payment	NOUN
bjmsr-2280	2	11	system	system	NOUN
bjmsr-2280	2	12	:	:	PUNCT
bjmsr-2280	2	13	evidence	evidence	NOUN
bjmsr-2280	2	14	from	from	ADP
bjmsr-2280	2	15	malaysia	malaysia	PROPN
bjmsr-2280	2	16	rahayu	rahayu	PROPN
bjmsr-2280	2	17	abdul	abdul	PROPN
bjmsr-2280	2	18	rahman	rahman	PROPN
bjmsr-2280	2	19	(	(	PUNCT
bjmsr-2280	2	20	a)1	a)1	PROPN
bjmsr-2280	2	21	eka	eka	PROPN
bjmsr-2280	3	1	nurmala	nurmala	PROPN
bjmsr-2280	3	2	sari	sari	NOUN
bjmsr-2280	3	3	(	(	PUNCT
bjmsr-2280	3	4	b	b	NOUN
bjmsr-2280	3	5	)	)	PUNCT
bjmsr-2280	3	6	siti	siti	NOUN
bjmsr-2280	3	7	hirdayu	hirdayu	ADJ
bjmsr-2280	3	8	mohd	mohd	PROPN
bjmsr-2280	3	9	radzi	radzi	PROPN
bjmsr-2280	3	10	(	(	PUNCT
bjmsr-2280	3	11	c	c	NOUN
bjmsr-2280	3	12	)	)	PUNCT
bjmsr-2280	3	13	fitriani	fitriani	ADJ
bjmsr-2280	3	14	saragih	saragih	NOUN
bjmsr-2280	3	15	(	(	PUNCT
bjmsr-2280	3	16	d	d	NOUN
bjmsr-2280	3	17	)	)	PUNCT
bjmsr-2280	3	18	nor	nor	CCONJ
bjmsr-2280	3	19	balkish	balkish	NOUN
bjmsr-2280	3	20	zakaria	zakaria	NOUN
bjmsr-2280	3	21	(	(	PUNCT
bjmsr-2280	3	22	e	e	NOUN
bjmsr-2280	3	23	)	)	PUNCT
bjmsr-2280	3	24	(	(	PUNCT
bjmsr-2280	3	25	a	a	X
bjmsr-2280	3	26	)	)	PUNCT
bjmsr-2280	3	27	associate	associate	NOUN
bjmsr-2280	3	28	professor	professor	NOUN
bjmsr-2280	3	29	,	,	PUNCT
bjmsr-2280	3	30	faculty	faculty	NOUN
bjmsr-2280	3	31	of	of	ADP
bjmsr-2280	3	32	accountancy	accountancy	NOUN
bjmsr-2280	3	33	,	,	PUNCT
bjmsr-2280	3	34	universiti	universiti	PROPN
bjmsr-2280	3	35	teknologi	teknologi	PROPN
bjmsr-2280	3	36	mara	mara	PROPN
bjmsr-2280	3	37	,	,	PUNCT
bjmsr-2280	3	38	34500	34500	NUM
bjmsr-2280	3	39	tapah	tapah	PROPN
bjmsr-2280	3	40	,	,	PUNCT
bjmsr-2280	3	41	perak	perak	PROPN
bjmsr-2280	3	42	,	,	PUNCT
bjmsr-2280	3	43	malaysia	malaysia	PROPN
bjmsr-2280	3	44	;	;	PUNCT
bjmsr-2280	3	45	e	e	X
bjmsr-2280	3	46	-	-	NOUN
bjmsr-2280	3	47	mail	mail	NOUN
bjmsr-2280	3	48	:	:	PUNCT
bjmsr-2280	3	49	rahay916@uitm.edu.my	rahay916@uitm.edu.my	X
bjmsr-2280	3	50	(	(	PUNCT
bjmsr-2280	3	51	b	b	X
bjmsr-2280	3	52	)	)	PUNCT
bjmsr-2280	3	53	senior	senior	ADJ
bjmsr-2280	3	54	lecturer	lecturer	NOUN
bjmsr-2280	3	55	,	,	PUNCT
bjmsr-2280	3	56	faculty	faculty	NOUN
bjmsr-2280	3	57	of	of	ADP
bjmsr-2280	3	58	economic	economic	ADJ
bjmsr-2280	3	59	and	and	CCONJ
bjmsr-2280	3	60	business	business	NOUN
bjmsr-2280	3	61	,	,	PUNCT
bjmsr-2280	3	62	universitias	universitias	PROPN
bjmsr-2280	3	63	muhammadiyah	muhammadiyah	ADP
bjmsr-2280	3	64	sumatera	sumatera	PROPN
bjmsr-2280	3	65	utara	utara	NOUN
bjmsr-2280	3	66	,	,	PUNCT
bjmsr-2280	3	67	sumatera	sumatera	NOUN
bjmsr-2280	3	68	utara	utara	NOUN
bjmsr-2280	3	69	,	,	PUNCT
bjmsr-2280	3	70	indonesia	indonesia	PROPN
bjmsr-2280	3	71	;	;	PUNCT
bjmsr-2280	3	72	e	e	X
bjmsr-2280	3	73	-	-	NOUN
bjmsr-2280	3	74	mail	mail	NOUN
bjmsr-2280	3	75	:	:	PUNCT
bjmsr-2280	4	1	ekanurmal@umsu.ac.id	ekanurmal@umsu.ac.id	PROPN
bjmsr-2280	4	2	(	(	PUNCT
bjmsr-2280	4	3	c	c	NOUN
bjmsr-2280	4	4	)	)	PUNCT
bjmsr-2280	4	5	senior	senior	ADJ
bjmsr-2280	4	6	lecturer	lecturer	NOUN
bjmsr-2280	4	7	,	,	PUNCT
bjmsr-2280	4	8	faculty	faculty	NOUN
bjmsr-2280	4	9	of	of	ADP
bjmsr-2280	4	10	business	business	NOUN
bjmsr-2280	4	11	,	,	PUNCT
bjmsr-2280	4	12	accountancy	accountancy	NOUN
bjmsr-2280	4	13	,	,	PUNCT
bjmsr-2280	4	14	and	and	CCONJ
bjmsr-2280	4	15	social	social	ADJ
bjmsr-2280	4	16	sciences	science	NOUN
bjmsr-2280	4	17	,	,	PUNCT
bjmsr-2280	4	18	universiti	universiti	NOUN
bjmsr-2280	4	19	poly	poly	ADJ
bjmsr-2280	4	20	-	-	PUNCT
bjmsr-2280	4	21	tech	tech	NOUN
bjmsr-2280	4	22	malaysia	malaysia	NOUN
bjmsr-2280	4	23	,	,	PUNCT
bjmsr-2280	4	24	56100	56100	NUM
bjmsr-2280	4	25	kuala	kuala	PROPN
bjmsr-2280	4	26	lumpur	lumpur	PROPN
bjmsr-2280	4	27	,	,	PUNCT
bjmsr-2280	4	28	malaysia	malaysia	PROPN
bjmsr-2280	4	29	;	;	PUNCT
bjmsr-2280	4	30	email	email	NOUN
bjmsr-2280	4	31	:	:	PUNCT
bjmsr-2280	4	32	hirdayuradz@gmail.com	hirdayuradz@gmail.com	X
bjmsr-2280	4	33	(	(	PUNCT
bjmsr-2280	4	34	d	d	NOUN
bjmsr-2280	4	35	)	)	PUNCT
bjmsr-2280	4	36	senior	senior	ADJ
bjmsr-2280	4	37	lecturer	lecturer	NOUN
bjmsr-2280	4	38	,	,	PUNCT
bjmsr-2280	4	39	faculty	faculty	NOUN
bjmsr-2280	4	40	of	of	ADP
bjmsr-2280	4	41	economic	economic	ADJ
bjmsr-2280	4	42	and	and	CCONJ
bjmsr-2280	4	43	business	business	NOUN
bjmsr-2280	4	44	,	,	PUNCT
bjmsr-2280	4	45	universitias	universitias	PROPN
bjmsr-2280	4	46	muhammadiyah	muhammadiyah	ADP
bjmsr-2280	4	47	sumatera	sumatera	PROPN
bjmsr-2280	4	48	utara	utara	NOUN
bjmsr-2280	4	49	,	,	PUNCT
bjmsr-2280	4	50	sumatera	sumatera	NOUN
bjmsr-2280	4	51	utara	utara	NOUN
bjmsr-2280	4	52	,	,	PUNCT
bjmsr-2280	4	53	indonesia	indonesia	PROPN
bjmsr-2280	4	54	;	;	PUNCT
bjmsr-2280	4	55	e	e	X
bjmsr-2280	4	56	-	-	NOUN
bjmsr-2280	4	57	mail	mail	NOUN
bjmsr-2280	4	58	:	:	PUNCT
bjmsr-2280	4	59	fitrianisargih@umsu.ac.id	fitrianisargih@umsu.ac.id	NOUN
bjmsr-2280	4	60	(	(	PUNCT
bjmsr-2280	4	61	e	e	NOUN
bjmsr-2280	4	62	)	)	PUNCT
bjmsr-2280	4	63	associate	associate	NOUN
bjmsr-2280	4	64	professor	professor	NOUN
bjmsr-2280	4	65	,	,	PUNCT
bjmsr-2280	4	66	accounting	accounting	NOUN
bjmsr-2280	4	67	research	research	PROPN
bjmsr-2280	4	68	institute	institute	PROPN
bjmsr-2280	4	69	,	,	PUNCT
bjmsr-2280	4	70	level	level	NOUN
bjmsr-2280	4	71	12	12	NUM
bjmsr-2280	4	72	,	,	PUNCT
bjmsr-2280	4	73	menara	menara	PROPN
bjmsr-2280	4	74	sultan	sultan	PROPN
bjmsr-2280	4	75	abdul	abdul	PROPN
bjmsr-2280	4	76	aziz	aziz	PROPN
bjmsr-2280	4	77	shah	shah	PROPN
bjmsr-2280	4	78	,	,	PUNCT
bjmsr-2280	4	79	universiti	universiti	PROPN
bjmsr-2280	4	80	teknologi	teknologi	PROPN
bjmsr-2280	4	81	mara	mara	PROPN
bjmsr-2280	4	82	,	,	PUNCT
bjmsr-2280	4	83	40450	40450	NUM
bjmsr-2280	4	84	shah	shah	PROPN
bjmsr-2280	4	85	alam	alam	PROPN
bjmsr-2280	4	86	,	,	PUNCT
bjmsr-2280	4	87	selangor	selangor	PROPN
bjmsr-2280	4	88	,	,	PUNCT
bjmsr-2280	4	89	malaysia	malaysia	PROPN
bjmsr-2280	4	90	;	;	PUNCT
bjmsr-2280	4	91	e	e	X
bjmsr-2280	4	92	-	-	NOUN
bjmsr-2280	4	93	mail	mail	NOUN
bjmsr-2280	4	94	:	:	PUNCT
bjmsr-2280	4	95	norbalkish@uitm.edu.my	norbalkish@uitm.edu.my	ADP
bjmsr-2280	4	96	a	a	DET
bjmsr-2280	4	97	r	r	NOUN
bjmsr-2280	4	98	t	t	NOUN
bjmsr-2280	5	1	i	i	PRON
bjmsr-2280	5	2	c	c	NOUN
bjmsr-2280	5	3	l	l	NOUN
bjmsr-2280	5	4	e	e	NOUN
bjmsr-2280	6	1	i	i	PRON
bjmsr-2280	6	2	n	n	VERB
bjmsr-2280	6	3	f	f	NOUN
bjmsr-2280	6	4	o	o	NOUN
bjmsr-2280	6	5	article	article	NOUN
bjmsr-2280	6	6	history	history	NOUN
bjmsr-2280	6	7	:	:	PUNCT
bjmsr-2280	6	8	received	receive	VERB
bjmsr-2280	6	9	:	:	PUNCT
bjmsr-2280	6	10	24th	24th	ADJ
bjmsr-2280	6	11	september	september	PROPN
bjmsr-2280	6	12	2024	2024	NUM
bjmsr-2280	6	13	reviewed	review	VERB
bjmsr-2280	6	14	&	&	CCONJ
bjmsr-2280	6	15	revised	revise	VERB
bjmsr-2280	6	16	:	:	PUNCT
bjmsr-2280	6	17	24th	24th	ADJ
bjmsr-2280	6	18	september	september	PROPN
bjmsr-2280	6	19	2024	2024	NUM
bjmsr-2280	6	20	to	to	ADP
bjmsr-2280	6	21	28th	28th	ADJ
bjmsr-2280	6	22	january	january	PROPN
bjmsr-2280	6	23	2025	2025	NUM
bjmsr-2280	6	24	accepted	accept	VERB
bjmsr-2280	6	25	:	:	PUNCT
bjmsr-2280	6	26	30th	30th	ADJ
bjmsr-2280	6	27	january	january	PROPN
bjmsr-2280	6	28	2025	2025	NUM
bjmsr-2280	6	29	published	publish	VERB
bjmsr-2280	6	30	:	:	PUNCT
bjmsr-2280	6	31	3rd	3rd	ADJ
bjmsr-2280	6	32	february	february	NOUN
bjmsr-2280	6	33	2025	2025	NUM
bjmsr-2280	6	34	keywords	keyword	NOUN
bjmsr-2280	6	35	:	:	PUNCT
bjmsr-2280	6	36	online	online	ADJ
bjmsr-2280	6	37	zakat	zakat	PROPN
bjmsr-2280	6	38	payment	payment	NOUN
bjmsr-2280	6	39	service	service	NOUN
bjmsr-2280	6	40	,	,	PUNCT
bjmsr-2280	6	41	perceived	perceive	VERB
bjmsr-2280	6	42	risk	risk	NOUN
bjmsr-2280	6	43	,	,	PUNCT
bjmsr-2280	6	44	trust	trust	NOUN
bjmsr-2280	6	45	in	in	ADP
bjmsr-2280	6	46	zakat	zakat	PROPN
bjmsr-2280	6	47	institution	institution	NOUN
bjmsr-2280	6	48	,	,	PUNCT
bjmsr-2280	6	49	zakat	zakat	NOUN
bjmsr-2280	6	50	literacy	literacy	NOUN
bjmsr-2280	6	51	,	,	PUNCT
bjmsr-2280	6	52	prior	prior	ADJ
bjmsr-2280	6	53	experience	experience	NOUN
bjmsr-2280	6	54	jel	jel	PROPN
bjmsr-2280	6	55	classification	classification	NOUN
bjmsr-2280	6	56	codes	code	NOUN
bjmsr-2280	6	57	:	:	PUNCT
bjmsr-2280	6	58	m430	m430	PROPN
bjmsr-2280	6	59	,	,	PUNCT
bjmsr-2280	6	60	g32	g32	NOUN
bjmsr-2280	6	61	peer	peer	NOUN
bjmsr-2280	6	62	-	-	PUNCT
bjmsr-2280	6	63	review	review	NOUN
bjmsr-2280	6	64	model	model	NOUN
bjmsr-2280	6	65	:	:	PUNCT
bjmsr-2280	6	66	external	external	ADJ
bjmsr-2280	6	67	peer	peer	NOUN
bjmsr-2280	6	68	review	review	NOUN
bjmsr-2280	6	69	was	be	AUX
bjmsr-2280	6	70	done	do	VERB
bjmsr-2280	6	71	through	through	ADP
bjmsr-2280	6	72	double	double	ADJ
bjmsr-2280	6	73	-	-	PUNCT
bjmsr-2280	6	74	blind	blind	ADJ
bjmsr-2280	6	75	method	method	NOUN
bjmsr-2280	6	76	.	.	PUNCT
bjmsr-2280	7	1	a	a	DET
bjmsr-2280	7	2	b	b	PROPN
bjmsr-2280	7	3	s	s	ADP
bjmsr-2280	7	4	t	t	PROPN
bjmsr-2280	7	5	r	r	NOUN
bjmsr-2280	7	6	a	a	DET
bjmsr-2280	7	7	c	c	NOUN
bjmsr-2280	7	8	t	t	PROPN
bjmsr-2280	7	9	a	a	DET
bjmsr-2280	7	10	digital	digital	ADJ
bjmsr-2280	7	11	zakat	zakat	NOUN
bjmsr-2280	7	12	system	system	NOUN
bjmsr-2280	7	13	significantly	significantly	ADV
bjmsr-2280	7	14	enhances	enhance	VERB
bjmsr-2280	7	15	zakat	zakat	NOUN
bjmsr-2280	7	16	collection	collection	NOUN
bjmsr-2280	7	17	by	by	ADP
bjmsr-2280	7	18	streamlining	streamline	VERB
bjmsr-2280	7	19	the	the	DET
bjmsr-2280	7	20	process	process	NOUN
bjmsr-2280	7	21	,	,	PUNCT
bjmsr-2280	7	22	making	make	VERB
bjmsr-2280	7	23	it	it	PRON
bjmsr-2280	7	24	more	more	ADV
bjmsr-2280	7	25	accessible	accessible	ADJ
bjmsr-2280	7	26	,	,	PUNCT
bjmsr-2280	7	27	transparent	transparent	ADJ
bjmsr-2280	7	28	,	,	PUNCT
bjmsr-2280	7	29	and	and	CCONJ
bjmsr-2280	7	30	efficient	efficient	ADJ
bjmsr-2280	7	31	for	for	ADP
bjmsr-2280	7	32	both	both	CCONJ
bjmsr-2280	7	33	zakat	zakat	NOUN
bjmsr-2280	7	34	payers	payer	NOUN
bjmsr-2280	7	35	and	and	CCONJ
bjmsr-2280	7	36	zakat	zakat	NOUN
bjmsr-2280	7	37	institutions	institution	NOUN
bjmsr-2280	7	38	.	.	PUNCT
bjmsr-2280	8	1	through	through	ADP
bjmsr-2280	8	2	digital	digital	ADJ
bjmsr-2280	8	3	platforms	platform	NOUN
bjmsr-2280	8	4	,	,	PUNCT
bjmsr-2280	8	5	individuals	individual	NOUN
bjmsr-2280	8	6	can	can	AUX
bjmsr-2280	8	7	easily	easily	ADV
bjmsr-2280	8	8	calculate	calculate	VERB
bjmsr-2280	8	9	,	,	PUNCT
bjmsr-2280	8	10	pay	pay	VERB
bjmsr-2280	8	11	,	,	PUNCT
bjmsr-2280	8	12	and	and	CCONJ
bjmsr-2280	8	13	track	track	VERB
bjmsr-2280	8	14	their	their	PRON
bjmsr-2280	8	15	zakat	zakat	NOUN
bjmsr-2280	8	16	contributions	contribution	NOUN
bjmsr-2280	8	17	in	in	ADP
bjmsr-2280	8	18	real	real	ADJ
bjmsr-2280	8	19	time	time	NOUN
bjmsr-2280	8	20	.	.	PUNCT
bjmsr-2280	9	1	however	however	ADV
bjmsr-2280	9	2	,	,	PUNCT
bjmsr-2280	9	3	it	it	PRON
bjmsr-2280	9	4	faces	face	VERB
bjmsr-2280	9	5	challenges	challenge	NOUN
bjmsr-2280	9	6	as	as	SCONJ
bjmsr-2280	9	7	some	some	DET
bjmsr-2280	9	8	zakat	zakat	NOUN
bjmsr-2280	9	9	payers	payer	NOUN
bjmsr-2280	9	10	remain	remain	VERB
bjmsr-2280	9	11	reluctant	reluctant	ADJ
bjmsr-2280	9	12	to	to	PART
bjmsr-2280	9	13	use	use	VERB
bjmsr-2280	9	14	online	online	ADJ
bjmsr-2280	9	15	platforms	platform	NOUN
bjmsr-2280	9	16	due	due	ADP
bjmsr-2280	9	17	to	to	ADP
bjmsr-2280	9	18	concerns	concern	NOUN
bjmsr-2280	9	19	about	about	ADP
bjmsr-2280	9	20	security	security	NOUN
bjmsr-2280	9	21	and	and	CCONJ
bjmsr-2280	9	22	the	the	DET
bjmsr-2280	9	23	traditional	traditional	ADJ
bjmsr-2280	9	24	nature	nature	NOUN
bjmsr-2280	9	25	of	of	ADP
bjmsr-2280	9	26	their	their	PRON
bjmsr-2280	9	27	giving	giving	NOUN
bjmsr-2280	9	28	.	.	PUNCT
bjmsr-2280	10	1	thus	thus	ADV
bjmsr-2280	10	2	,	,	PUNCT
bjmsr-2280	10	3	this	this	DET
bjmsr-2280	10	4	study	study	NOUN
bjmsr-2280	10	5	investigates	investigate	VERB
bjmsr-2280	10	6	how	how	SCONJ
bjmsr-2280	10	7	socio	socio	NOUN
bjmsr-2280	10	8	-	-	PUNCT
bjmsr-2280	10	9	economic	economic	ADJ
bjmsr-2280	10	10	determinants	determinant	NOUN
bjmsr-2280	10	11	,	,	PUNCT
bjmsr-2280	10	12	perceived	perceive	VERB
bjmsr-2280	10	13	risk	risk	NOUN
bjmsr-2280	10	14	,	,	PUNCT
bjmsr-2280	10	15	trust	trust	NOUN
bjmsr-2280	10	16	in	in	ADP
bjmsr-2280	10	17	zakat	zakat	PROPN
bjmsr-2280	10	18	institutions	institution	NOUN
bjmsr-2280	10	19	,	,	PUNCT
bjmsr-2280	10	20	zakat	zakat	NOUN
bjmsr-2280	10	21	literacy	literacy	NOUN
bjmsr-2280	10	22	,	,	PUNCT
bjmsr-2280	10	23	and	and	CCONJ
bjmsr-2280	10	24	prior	prior	ADJ
bjmsr-2280	10	25	experience	experience	NOUN
bjmsr-2280	10	26	affect	affect	VERB
bjmsr-2280	10	27	zakat	zakat	PROPN
bjmsr-2280	10	28	payers	payer	NOUN
bjmsr-2280	10	29	'	'	PART
bjmsr-2280	10	30	intention	intention	NOUN
bjmsr-2280	10	31	to	to	PART
bjmsr-2280	10	32	use	use	VERB
bjmsr-2280	10	33	online	online	ADJ
bjmsr-2280	10	34	zakat	zakat	NOUN
bjmsr-2280	10	35	payment	payment	NOUN
bjmsr-2280	10	36	systems	system	NOUN
bjmsr-2280	10	37	.	.	PUNCT
bjmsr-2280	11	1	data	datum	NOUN
bjmsr-2280	11	2	were	be	AUX
bjmsr-2280	11	3	gathered	gather	VERB
bjmsr-2280	11	4	via	via	ADP
bjmsr-2280	11	5	an	an	DET
bjmsr-2280	11	6	online	online	ADJ
bjmsr-2280	11	7	survey	survey	NOUN
bjmsr-2280	11	8	of	of	ADP
bjmsr-2280	11	9	288	288	NUM
bjmsr-2280	11	10	zakat	zakat	NOUN
bjmsr-2280	11	11	payers	payer	NOUN
bjmsr-2280	11	12	in	in	ADP
bjmsr-2280	11	13	malaysia	malaysia	PROPN
bjmsr-2280	11	14	,	,	PUNCT
bjmsr-2280	11	15	with	with	ADP
bjmsr-2280	11	16	cluster	cluster	NOUN
bjmsr-2280	11	17	sampling	sampling	NOUN
bjmsr-2280	11	18	used	use	VERB
bjmsr-2280	11	19	to	to	PART
bjmsr-2280	11	20	select	select	VERB
bjmsr-2280	11	21	participants	participant	NOUN
bjmsr-2280	11	22	from	from	ADP
bjmsr-2280	11	23	government	government	NOUN
bjmsr-2280	11	24	and	and	CCONJ
bjmsr-2280	11	25	private	private	ADJ
bjmsr-2280	11	26	sectors	sector	NOUN
bjmsr-2280	11	27	across	across	ADP
bjmsr-2280	11	28	perak	perak	PROPN
bjmsr-2280	11	29	,	,	PUNCT
bjmsr-2280	11	30	selangor	selangor	PROPN
bjmsr-2280	11	31	,	,	PUNCT
bjmsr-2280	11	32	and	and	CCONJ
bjmsr-2280	11	33	kelantan	kelantan	PROPN
bjmsr-2280	11	34	.	.	PUNCT
bjmsr-2280	12	1	smartpls	smartpls	PROPN
bjmsr-2280	12	2	was	be	AUX
bjmsr-2280	12	3	used	use	VERB
bjmsr-2280	12	4	for	for	ADP
bjmsr-2280	12	5	the	the	DET
bjmsr-2280	12	6	analysis	analysis	NOUN
bjmsr-2280	12	7	.	.	PUNCT
bjmsr-2280	13	1	the	the	DET
bjmsr-2280	13	2	results	result	NOUN
bjmsr-2280	13	3	indicate	indicate	VERB
bjmsr-2280	13	4	that	that	SCONJ
bjmsr-2280	13	5	perceived	perceive	VERB
bjmsr-2280	13	6	risk	risk	NOUN
bjmsr-2280	13	7	has	have	VERB
bjmsr-2280	13	8	a	a	DET
bjmsr-2280	13	9	significant	significant	ADJ
bjmsr-2280	13	10	and	and	CCONJ
bjmsr-2280	13	11	negative	negative	ADJ
bjmsr-2280	13	12	impact	impact	NOUN
bjmsr-2280	13	13	on	on	ADP
bjmsr-2280	13	14	the	the	DET
bjmsr-2280	13	15	intention	intention	NOUN
bjmsr-2280	13	16	to	to	PART
bjmsr-2280	13	17	use	use	VERB
bjmsr-2280	13	18	online	online	ADJ
bjmsr-2280	13	19	zakat	zakat	NOUN
bjmsr-2280	13	20	payment	payment	NOUN
bjmsr-2280	13	21	services	service	NOUN
bjmsr-2280	13	22	,	,	PUNCT
bjmsr-2280	13	23	highlighting	highlight	VERB
bjmsr-2280	13	24	the	the	DET
bjmsr-2280	13	25	importance	importance	NOUN
bjmsr-2280	13	26	of	of	ADP
bjmsr-2280	13	27	addressing	address	VERB
bjmsr-2280	13	28	concerns	concern	NOUN
bjmsr-2280	13	29	related	relate	VERB
bjmsr-2280	13	30	to	to	PART
bjmsr-2280	13	31	risk	risk	VERB
bjmsr-2280	13	32	perception	perception	NOUN
bjmsr-2280	13	33	in	in	ADP
bjmsr-2280	13	34	promoting	promote	VERB
bjmsr-2280	13	35	their	their	PRON
bjmsr-2280	13	36	adoption	adoption	NOUN
bjmsr-2280	13	37	.	.	PUNCT
bjmsr-2280	14	1	on	on	ADP
bjmsr-2280	14	2	the	the	DET
bjmsr-2280	14	3	other	other	ADJ
bjmsr-2280	14	4	hand	hand	NOUN
bjmsr-2280	14	5	,	,	PUNCT
bjmsr-2280	14	6	trust	trust	NOUN
bjmsr-2280	14	7	in	in	ADP
bjmsr-2280	14	8	zakat	zakat	PROPN
bjmsr-2280	14	9	institutions	institution	NOUN
bjmsr-2280	14	10	,	,	PUNCT
bjmsr-2280	14	11	zakat	zakat	NOUN
bjmsr-2280	14	12	literacy	literacy	NOUN
bjmsr-2280	14	13	,	,	PUNCT
bjmsr-2280	14	14	and	and	CCONJ
bjmsr-2280	14	15	prior	prior	ADJ
bjmsr-2280	14	16	experience	experience	NOUN
bjmsr-2280	14	17	exhibited	exhibit	VERB
bjmsr-2280	14	18	positive	positive	ADJ
bjmsr-2280	14	19	and	and	CCONJ
bjmsr-2280	14	20	significant	significant	ADJ
bjmsr-2280	14	21	relationships	relationship	NOUN
bjmsr-2280	14	22	with	with	ADP
bjmsr-2280	14	23	zakat	zakat	NOUN
bjmsr-2280	14	24	payers	payer	NOUN
bjmsr-2280	14	25	'	'	PART
bjmsr-2280	14	26	intention	intention	NOUN
bjmsr-2280	14	27	to	to	PART
bjmsr-2280	14	28	utilize	utilize	VERB
bjmsr-2280	14	29	online	online	ADJ
bjmsr-2280	14	30	zakat	zakat	NOUN
bjmsr-2280	14	31	payment	payment	NOUN
bjmsr-2280	14	32	services	service	NOUN
bjmsr-2280	14	33	.	.	PUNCT
bjmsr-2280	15	1	the	the	DET
bjmsr-2280	15	2	findings	finding	NOUN
bjmsr-2280	15	3	suggest	suggest	VERB
bjmsr-2280	15	4	that	that	SCONJ
bjmsr-2280	15	5	institutions	institution	NOUN
bjmsr-2280	15	6	mitigate	mitigate	VERB
bjmsr-2280	15	7	perceived	perceive	VERB
bjmsr-2280	15	8	risk	risk	NOUN
bjmsr-2280	15	9	,	,	PUNCT
bjmsr-2280	15	10	strengthen	strengthen	VERB
bjmsr-2280	15	11	institutional	institutional	ADJ
bjmsr-2280	15	12	trust	trust	NOUN
bjmsr-2280	15	13	,	,	PUNCT
bjmsr-2280	15	14	increase	increase	VERB
bjmsr-2280	15	15	zakat	zakat	NOUN
bjmsr-2280	15	16	literacy	literacy	NOUN
bjmsr-2280	15	17	,	,	PUNCT
bjmsr-2280	15	18	and	and	CCONJ
bjmsr-2280	15	19	leverage	leverage	NOUN
bjmsr-2280	15	20	users	user	NOUN
bjmsr-2280	15	21	'	'	PART
bjmsr-2280	15	22	prior	prior	ADJ
bjmsr-2280	15	23	experience	experience	NOUN
bjmsr-2280	15	24	to	to	PART
bjmsr-2280	15	25	enhance	enhance	VERB
bjmsr-2280	15	26	online	online	ADJ
bjmsr-2280	15	27	zakat	zakat	NOUN
bjmsr-2280	15	28	system	system	NOUN
bjmsr-2280	15	29	adoption	adoption	NOUN
bjmsr-2280	15	30	.	.	PUNCT
bjmsr-2280	16	1	this	this	DET
bjmsr-2280	16	2	study	study	NOUN
bjmsr-2280	16	3	contributes	contribute	VERB
bjmsr-2280	16	4	significantly	significantly	ADV
bjmsr-2280	16	5	to	to	ADP
bjmsr-2280	16	6	understanding	understand	VERB
bjmsr-2280	16	7	the	the	DET
bjmsr-2280	16	8	factors	factor	NOUN
bjmsr-2280	16	9	influencing	influence	VERB
bjmsr-2280	16	10	the	the	DET
bjmsr-2280	16	11	adoption	adoption	NOUN
bjmsr-2280	16	12	of	of	ADP
bjmsr-2280	16	13	online	online	ADJ
bjmsr-2280	16	14	zakat	zakat	NOUN
bjmsr-2280	16	15	payment	payment	NOUN
bjmsr-2280	16	16	services	service	NOUN
bjmsr-2280	16	17	to	to	PART
bjmsr-2280	16	18	inform	inform	VERB
bjmsr-2280	16	19	strategies	strategy	NOUN
bjmsr-2280	16	20	to	to	PART
bjmsr-2280	16	21	boost	boost	VERB
bjmsr-2280	16	22	the	the	DET
bjmsr-2280	16	23	utilization	utilization	NOUN
bjmsr-2280	16	24	of	of	ADP
bjmsr-2280	16	25	online	online	ADJ
bjmsr-2280	16	26	zakat	zakat	NOUN
bjmsr-2280	16	27	payment	payment	NOUN
bjmsr-2280	16	28	services	service	NOUN
bjmsr-2280	16	29	in	in	ADP
bjmsr-2280	16	30	similar	similar	ADJ
bjmsr-2280	16	31	developing	develop	VERB
bjmsr-2280	16	32	country	country	NOUN
bjmsr-2280	16	33	settings	setting	NOUN
bjmsr-2280	16	34	.	.	PUNCT
bjmsr-2280	17	1	©	©	PROPN
bjmsr-2280	17	2	2025	2025	NUM
bjmsr-2280	17	3	by	by	ADP
bjmsr-2280	17	4	the	the	DET
bjmsr-2280	17	5	authors	author	NOUN
bjmsr-2280	17	6	.	.	PUNCT
bjmsr-2280	18	1	licensee	licensee	PROPN
bjmsr-2280	18	2	cribfb	cribfb	PROPN
bjmsr-2280	18	3	,	,	PUNCT
bjmsr-2280	18	4	usa	usa	PROPN
bjmsr-2280	18	5	.	.	PROPN
bjmsr-2280	19	1	this	this	DET
bjmsr-2280	19	2	open	open	ADJ
bjmsr-2280	19	3	-	-	PUNCT
bjmsr-2280	19	4	access	access	NOUN
bjmsr-2280	19	5	article	article	NOUN
bjmsr-2280	19	6	is	be	AUX
bjmsr-2280	19	7	distributed	distribute	VERB
bjmsr-2280	19	8	under	under	ADP
bjmsr-2280	19	9	the	the	DET
bjmsr-2280	19	10	terms	term	NOUN
bjmsr-2280	19	11	and	and	CCONJ
bjmsr-2280	19	12	conditions	condition	NOUN
bjmsr-2280	19	13	of	of	ADP
bjmsr-2280	19	14	the	the	DET
bjmsr-2280	19	15	creative	creative	ADJ
bjmsr-2280	19	16	commons	common	NOUN
bjmsr-2280	19	17	attribution	attribution	NOUN
bjmsr-2280	19	18	(	(	PUNCT
bjmsr-2280	19	19	cc	cc	NOUN
bjmsr-2280	19	20	by	by	ADP
bjmsr-2280	19	21	)	)	PUNCT
bjmsr-2280	19	22	license	license	NOUN
bjmsr-2280	19	23	(	(	PUNCT
bjmsr-2280	19	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2280	19	25	)	)	PUNCT
bjmsr-2280	19	26	.	.	PUNCT
bjmsr-2280	20	1	introduction	introduction	NOUN
bjmsr-2280	20	2	transformation	transformation	NOUN
bjmsr-2280	20	3	technologies	technology	NOUN
bjmsr-2280	20	4	in	in	ADP
bjmsr-2280	20	5	zakat	zakat	NOUN
bjmsr-2280	20	6	collection	collection	NOUN
bjmsr-2280	20	7	and	and	CCONJ
bjmsr-2280	20	8	payment	payment	NOUN
bjmsr-2280	20	9	services	service	NOUN
bjmsr-2280	20	10	have	have	AUX
bjmsr-2280	20	11	sparked	spark	VERB
bjmsr-2280	20	12	a	a	DET
bjmsr-2280	20	13	profound	profound	ADJ
bjmsr-2280	20	14	evolution	evolution	NOUN
bjmsr-2280	20	15	in	in	ADP
bjmsr-2280	20	16	how	how	SCONJ
bjmsr-2280	20	17	charitable	charitable	ADJ
bjmsr-2280	20	18	contributions	contribution	NOUN
bjmsr-2280	20	19	are	be	AUX
bjmsr-2280	20	20	gathered	gather	VERB
bjmsr-2280	20	21	and	and	CCONJ
bjmsr-2280	20	22	disbursed	disburse	VERB
bjmsr-2280	20	23	worldwide	worldwide	ADV
bjmsr-2280	20	24	.	.	PUNCT
bjmsr-2280	21	1	these	these	DET
bjmsr-2280	21	2	innovations	innovation	NOUN
bjmsr-2280	21	3	encompass	encompass	VERB
bjmsr-2280	21	4	a	a	DET
bjmsr-2280	21	5	broad	broad	ADJ
bjmsr-2280	21	6	spectrum	spectrum	NOUN
bjmsr-2280	21	7	of	of	ADP
bjmsr-2280	21	8	digital	digital	ADJ
bjmsr-2280	21	9	advancements	advancement	NOUN
bjmsr-2280	21	10	,	,	PUNCT
bjmsr-2280	21	11	including	include	VERB
bjmsr-2280	21	12	mobile	mobile	ADJ
bjmsr-2280	21	13	applications	application	NOUN
bjmsr-2280	21	14	,	,	PUNCT
bjmsr-2280	21	15	online	online	ADJ
bjmsr-2280	21	16	payment	payment	NOUN
bjmsr-2280	21	17	gateways	gateway	NOUN
bjmsr-2280	21	18	,	,	PUNCT
bjmsr-2280	21	19	blockchain	blockchain	NOUN
bjmsr-2280	21	20	,	,	PUNCT
bjmsr-2280	21	21	and	and	CCONJ
bjmsr-2280	21	22	artificial	artificial	ADJ
bjmsr-2280	21	23	intelligence	intelligence	NOUN
bjmsr-2280	21	24	(	(	PUNCT
bjmsr-2280	21	25	ahmad	ahmad	PROPN
bjmsr-2280	21	26	&	&	CCONJ
bjmsr-2280	21	27	mamun	mamun	PROPN
bjmsr-2280	21	28	,	,	PUNCT
bjmsr-2280	21	29	2020	2020	NUM
bjmsr-2280	21	30	;	;	PUNCT
bjmsr-2280	21	31	ali	ali	PROPN
bjmsr-2280	21	32	et	et	PROPN
bjmsr-2280	21	33	al	al	PROPN
bjmsr-2280	21	34	.	.	PROPN
bjmsr-2280	21	35	,	,	PUNCT
bjmsr-2280	21	36	2019	2019	NUM
bjmsr-2280	21	37	;	;	PUNCT
bjmsr-2280	21	38	salleh	salleh	PROPN
bjmsr-2280	21	39	et	et	PROPN
bjmsr-2280	21	40	al	al	PROPN
bjmsr-2280	21	41	.	.	PROPN
bjmsr-2280	21	42	,	,	PUNCT
bjmsr-2280	21	43	2022	2022	NUM
bjmsr-2280	21	44	)	)	PUNCT
bjmsr-2280	21	45	.	.	PUNCT
bjmsr-2280	22	1	according	accord	VERB
bjmsr-2280	22	2	to	to	ADP
bjmsr-2280	22	3	zulfikri	zulfikri	PROPN
bjmsr-2280	22	4	et	et	PROPN
bjmsr-2280	22	5	al	al	PROPN
bjmsr-2280	22	6	.	.	PROPN
bjmsr-2280	22	7	(	(	PUNCT
bjmsr-2280	22	8	2021	2021	NUM
bjmsr-2280	22	9	)	)	PUNCT
bjmsr-2280	22	10	,	,	PUNCT
bjmsr-2280	22	11	these	these	DET
bjmsr-2280	22	12	transformation	transformation	NOUN
bjmsr-2280	22	13	technologies	technology	NOUN
bjmsr-2280	22	14	have	have	AUX
bjmsr-2280	22	15	modernized	modernize	VERB
bjmsr-2280	22	16	zakat	zakat	NOUN
bjmsr-2280	22	17	collection	collection	NOUN
bjmsr-2280	22	18	and	and	CCONJ
bjmsr-2280	22	19	payment	payment	NOUN
bjmsr-2280	22	20	services	service	NOUN
bjmsr-2280	22	21	and	and	CCONJ
bjmsr-2280	22	22	rendered	render	VERB
bjmsr-2280	22	23	them	they	PRON
bjmsr-2280	22	24	more	more	ADV
bjmsr-2280	22	25	accessible	accessible	ADJ
bjmsr-2280	22	26	,	,	PUNCT
bjmsr-2280	22	27	secure	secure	ADJ
bjmsr-2280	22	28	,	,	PUNCT
bjmsr-2280	22	29	and	and	CCONJ
bjmsr-2280	22	30	adaptable	adaptable	ADJ
bjmsr-2280	22	31	to	to	ADP
bjmsr-2280	22	32	the	the	DET
bjmsr-2280	22	33	evolving	evolve	VERB
bjmsr-2280	22	34	requirements	requirement	NOUN
bjmsr-2280	22	35	of	of	ADP
bjmsr-2280	22	36	zakat	zakat	NOUN
bjmsr-2280	22	37	payers	payer	NOUN
bjmsr-2280	22	38	and	and	CCONJ
bjmsr-2280	22	39	beneficiaries	beneficiary	NOUN
bjmsr-2280	22	40	globally	globally	ADV
bjmsr-2280	22	41	.	.	PUNCT
bjmsr-2280	23	1	in	in	ADP
bjmsr-2280	23	2	islam	islam	PROPN
bjmsr-2280	23	3	,	,	PUNCT
bjmsr-2280	23	4	zakat	zakat	PROPN
bjmsr-2280	23	5	is	be	AUX
bjmsr-2280	23	6	a	a	DET
bjmsr-2280	23	7	form	form	NOUN
bjmsr-2280	23	8	of	of	ADP
bjmsr-2280	23	9	compulsory	compulsory	ADJ
bjmsr-2280	23	10	charity	charity	NOUN
bjmsr-2280	23	11	that	that	PRON
bjmsr-2280	23	12	aims	aim	VERB
bjmsr-2280	23	13	to	to	PART
bjmsr-2280	23	14	purify	purify	VERB
bjmsr-2280	23	15	wealth	wealth	NOUN
bjmsr-2280	23	16	and	and	CCONJ
bjmsr-2280	23	17	redistribute	redistribute	VERB
bjmsr-2280	23	18	it	it	PRON
bjmsr-2280	23	19	among	among	ADP
bjmsr-2280	23	20	those	those	PRON
bjmsr-2280	23	21	in	in	ADP
bjmsr-2280	23	22	need	need	NOUN
bjmsr-2280	23	23	(	(	PUNCT
bjmsr-2280	23	24	bilo	bilo	PROPN
bjmsr-2280	23	25	&	&	CCONJ
bjmsr-2280	23	26	machado	machado	PROPN
bjmsr-2280	23	27	,	,	PUNCT
bjmsr-2280	23	28	2020	2020	NUM
bjmsr-2280	23	29	)	)	PUNCT
bjmsr-2280	23	30	,	,	PUNCT
bjmsr-2280	23	31	ultimately	ultimately	ADV
bjmsr-2280	23	32	fostering	foster	VERB
bjmsr-2280	23	33	social	social	ADJ
bjmsr-2280	23	34	welfare	welfare	NOUN
bjmsr-2280	23	35	and	and	CCONJ
bjmsr-2280	23	36	economic	economic	ADJ
bjmsr-2280	23	37	stability	stability	NOUN
bjmsr-2280	23	38	within	within	ADP
bjmsr-2280	23	39	the	the	DET
bjmsr-2280	23	40	muslim	muslim	PROPN
bjmsr-2280	23	41	community	community	NOUN
bjmsr-2280	23	42	(	(	PUNCT
bjmsr-2280	23	43	zauro	zauro	PROPN
bjmsr-2280	23	44	et	et	PROPN
bjmsr-2280	23	45	al	al	PROPN
bjmsr-2280	23	46	.	.	PROPN
bjmsr-2280	23	47	,	,	PUNCT
bjmsr-2280	23	48	2020	2020	NUM
bjmsr-2280	23	49	)	)	PUNCT
bjmsr-2280	23	50	.	.	PUNCT
bjmsr-2280	24	1	zakat	zakat	NOUN
bjmsr-2280	24	2	is	be	AUX
bjmsr-2280	24	3	not	not	PART
bjmsr-2280	24	4	just	just	ADV
bjmsr-2280	24	5	required	require	VERB
bjmsr-2280	24	6	by	by	ADP
bjmsr-2280	24	7	religion	religion	NOUN
bjmsr-2280	24	8	but	but	CCONJ
bjmsr-2280	24	9	also	also	ADV
bjmsr-2280	24	10	a	a	DET
bjmsr-2280	24	11	powerful	powerful	ADJ
bjmsr-2280	24	12	tool	tool	NOUN
bjmsr-2280	24	13	for	for	ADP
bjmsr-2280	24	14	social	social	ADJ
bjmsr-2280	24	15	justice	justice	NOUN
bjmsr-2280	24	16	and	and	CCONJ
bjmsr-2280	24	17	economic	economic	ADJ
bjmsr-2280	24	18	development	development	NOUN
bjmsr-2280	24	19	within	within	ADP
bjmsr-2280	24	20	muslim	muslim	ADJ
bjmsr-2280	24	21	communities	community	NOUN
bjmsr-2280	24	22	and	and	CCONJ
bjmsr-2280	24	23	societies	society	NOUN
bjmsr-2280	24	24	.	.	PUNCT
bjmsr-2280	25	1	in	in	ADP
bjmsr-2280	25	2	malaysia	malaysia	PROPN
bjmsr-2280	25	3	,	,	PUNCT
bjmsr-2280	25	4	adopting	adopt	VERB
bjmsr-2280	25	5	online	online	ADJ
bjmsr-2280	25	6	zakat	zakat	NOUN
bjmsr-2280	25	7	services	service	NOUN
bjmsr-2280	25	8	has	have	AUX
bjmsr-2280	25	9	introduced	introduce	VERB
bjmsr-2280	25	10	a	a	DET
bjmsr-2280	25	11	more	more	ADV
bjmsr-2280	25	12	efficient	efficient	ADJ
bjmsr-2280	25	13	,	,	PUNCT
bjmsr-2280	25	14	1corresponding	1corresponding	PROPN
bjmsr-2280	25	15	author	author	NOUN
bjmsr-2280	25	16	:	:	PUNCT
bjmsr-2280	25	17	orcid	orcid	PROPN
bjmsr-2280	25	18	i	i	PRON
bjmsr-2280	25	19	d	d	NOUN
bjmsr-2280	25	20	:	:	PUNCT
bjmsr-2280	25	21	0000	0000	NUM
bjmsr-2280	25	22	-	-	PUNCT
bjmsr-2280	25	23	0002	0002	NUM
bjmsr-2280	25	24	-	-	PUNCT
bjmsr-2280	25	25	7787	7787	NUM
bjmsr-2280	25	26	-	-	SYM
bjmsr-2280	25	27	1096	1096	NUM
bjmsr-2280	25	28	©	©	PROPN
bjmsr-2280	25	29	2025	2025	NUM
bjmsr-2280	25	30	by	by	ADP
bjmsr-2280	25	31	the	the	DET
bjmsr-2280	25	32	authors	author	NOUN
bjmsr-2280	25	33	.	.	PUNCT
bjmsr-2280	26	1	hosting	host	VERB
bjmsr-2280	26	2	by	by	ADP
bjmsr-2280	26	3	cribfb	cribfb	PROPN
bjmsr-2280	26	4	.	.	PUNCT
bjmsr-2280	27	1	peer	peer	NOUN
bjmsr-2280	27	2	review	review	NOUN
bjmsr-2280	27	3	is	be	AUX
bjmsr-2280	27	4	the	the	DET
bjmsr-2280	27	5	responsibility	responsibility	NOUN
bjmsr-2280	27	6	of	of	ADP
bjmsr-2280	27	7	cribfb	cribfb	PROPN
bjmsr-2280	27	8	,	,	PUNCT
bjmsr-2280	27	9	usa	usa	PROPN
bjmsr-2280	27	10	.	.	PROPN
bjmsr-2280	27	11	https://doi.org/10.46281/bjmsr.v10i1.2280	https://doi.org/10.46281/bjmsr.v10i1.2280	PROPN
bjmsr-2280	27	12	to	to	PART
bjmsr-2280	27	13	cite	cite	VERB
bjmsr-2280	27	14	this	this	DET
bjmsr-2280	27	15	article	article	NOUN
bjmsr-2280	27	16	:	:	PUNCT
bjmsr-2280	27	17	rahman	rahman	PROPN
bjmsr-2280	27	18	,	,	PUNCT
bjmsr-2280	27	19	r.	r.	PROPN
bjmsr-2280	27	20	a.	a.	PROPN
bjmsr-2280	27	21	,	,	PUNCT
bjmsr-2280	27	22	sari	sari	PROPN
bjmsr-2280	27	23	,	,	PUNCT
bjmsr-2280	27	24	e.	e.	PROPN
bjmsr-2280	27	25	n.	n.	PROPN
bjmsr-2280	27	26	,	,	PUNCT
bjmsr-2280	27	27	radzi	radzi	NOUN
bjmsr-2280	27	28	,	,	PUNCT
bjmsr-2280	27	29	s.	s.	PROPN
bjmsr-2280	27	30	h.	h.	PROPN
bjmsr-2280	27	31	m.	m.	PROPN
bjmsr-2280	27	32	,	,	PUNCT
bjmsr-2280	27	33	saragih	saragih	PROPN
bjmsr-2280	27	34	,	,	PUNCT
bjmsr-2280	27	35	f.	f.	PROPN
bjmsr-2280	27	36	,	,	PUNCT
bjmsr-2280	27	37	&	&	CCONJ
bjmsr-2280	27	38	zakaria	zakaria	PROPN
bjmsr-2280	27	39	,	,	PUNCT
bjmsr-2280	27	40	n.	n.	PROPN
bjmsr-2280	27	41	b.	b.	PROPN
bjmsr-2280	27	42	(	(	PUNCT
bjmsr-2280	27	43	2025	2025	NUM
bjmsr-2280	27	44	)	)	PUNCT
bjmsr-2280	27	45	.	.	PUNCT
bjmsr-2280	28	1	drivers	driver	NOUN
bjmsr-2280	28	2	influencing	influence	VERB
bjmsr-2280	28	3	the	the	DET
bjmsr-2280	28	4	usage	usage	NOUN
bjmsr-2280	28	5	intention	intention	NOUN
bjmsr-2280	28	6	towards	towards	ADP
bjmsr-2280	28	7	online	online	ADJ
bjmsr-2280	28	8	zakat	zakat	NOUN
bjmsr-2280	28	9	payment	payment	NOUN
bjmsr-2280	28	10	system	system	NOUN
bjmsr-2280	28	11	:	:	PUNCT
bjmsr-2280	28	12	evidence	evidence	NOUN
bjmsr-2280	28	13	from	from	ADP
bjmsr-2280	28	14	malaysia	malaysia	PROPN
bjmsr-2280	28	15	.	.	PUNCT
bjmsr-2280	29	1	bangladesh	bangladesh	PROPN
bjmsr-2280	29	2	journal	journal	PROPN
bjmsr-2280	29	3	of	of	ADP
bjmsr-2280	29	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	29	5	scientific	scientific	ADJ
bjmsr-2280	29	6	research	research	NOUN
bjmsr-2280	29	7	,	,	PUNCT
bjmsr-2280	29	8	10(1	10(1	NUM
bjmsr-2280	29	9	)	)	PUNCT
bjmsr-2280	29	10	,	,	PUNCT
bjmsr-2280	29	11	1	1	NUM
bjmsr-2280	29	12	-	-	SYM
bjmsr-2280	29	13	10	10	NUM
bjmsr-2280	29	14	.	.	PUNCT
bjmsr-2280	29	15	https://doi.org/10.46281/bjmsr.v10i1.2280	https://doi.org/10.46281/bjmsr.v10i1.2280	PROPN
bjmsr-2280	29	16	mailto:fitrianisargih@umsu.ac.id	mailto:fitrianisargih@umsu.ac.id	PROPN
bjmsr-2280	29	17	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2280	29	18	)	)	PUNCT
bjmsr-2280	29	19	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2280	29	20	)	)	PUNCT
bjmsr-2280	29	21	https://www.openaccess.nl/en	https://www.openaccess.nl/en	NOUN
bjmsr-2280	29	22	https://doi.org/10.46281/bjmsr.v10i1.2280	https://doi.org/10.46281/bjmsr.v10i1.2280	VERB
bjmsr-2280	29	23	https://orcid.org/0000-0002-7787-1096	https://orcid.org/0000-0002-7787-1096	PROPN
bjmsr-2280	29	24	https://orcid.org/0000-0002-4391-7420	https://orcid.org/0000-0002-4391-7420	PROPN
bjmsr-2280	30	1	https://orcid.org/0009-0006-8074-5142	https://orcid.org/0009-0006-8074-5142	PROPN
bjmsr-2280	30	2	https://orcid.org/0000-0002-1538-2115	https://orcid.org/0000-0002-1538-2115	PROPN
bjmsr-2280	30	3	https://orcid.org/0000-0002-1795-9854	https://orcid.org/0000-0002-1795-9854	PROPN
bjmsr-2280	31	1	rahman	rahman	PROPN
bjmsr-2280	31	2	et	et	PROPN
bjmsr-2280	31	3	al	al	PROPN
bjmsr-2280	31	4	.	.	PROPN
bjmsr-2280	31	5	,	,	PUNCT
bjmsr-2280	31	6	bangladesh	bangladesh	PROPN
bjmsr-2280	31	7	journal	journal	NOUN
bjmsr-2280	31	8	of	of	ADP
bjmsr-2280	31	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	31	10	scientific	scientific	ADJ
bjmsr-2280	31	11	research	research	NOUN
bjmsr-2280	31	12	10(1	10(1	NUM
bjmsr-2280	31	13	)	)	PUNCT
bjmsr-2280	31	14	(	(	PUNCT
bjmsr-2280	31	15	2025	2025	NUM
bjmsr-2280	31	16	)	)	PUNCT
bjmsr-2280	31	17	,	,	PUNCT
bjmsr-2280	31	18	1	1	NUM
bjmsr-2280	31	19	-	-	SYM
bjmsr-2280	31	20	10	10	NUM
bjmsr-2280	31	21	2	2	NUM
bjmsr-2280	31	22	adaptable	adaptable	ADJ
bjmsr-2280	31	23	,	,	PUNCT
bjmsr-2280	31	24	and	and	CCONJ
bjmsr-2280	31	25	user	user	NOUN
bjmsr-2280	31	26	-	-	PUNCT
bjmsr-2280	31	27	friendly	friendly	ADJ
bjmsr-2280	31	28	system	system	NOUN
bjmsr-2280	31	29	,	,	PUNCT
bjmsr-2280	31	30	significantly	significantly	ADV
bjmsr-2280	31	31	improving	improve	VERB
bjmsr-2280	31	32	the	the	DET
bjmsr-2280	31	33	collection	collection	NOUN
bjmsr-2280	31	34	and	and	CCONJ
bjmsr-2280	31	35	disbursing	disbursing	NOUN
bjmsr-2280	31	36	of	of	ADP
bjmsr-2280	31	37	zakat	zakat	NOUN
bjmsr-2280	31	38	funds	fund	NOUN
bjmsr-2280	31	39	.	.	PUNCT
bjmsr-2280	32	1	for	for	ADP
bjmsr-2280	32	2	example	example	NOUN
bjmsr-2280	32	3	,	,	PUNCT
bjmsr-2280	32	4	the	the	DET
bjmsr-2280	32	5	implementation	implementation	NOUN
bjmsr-2280	32	6	of	of	ADP
bjmsr-2280	32	7	digital	digital	ADJ
bjmsr-2280	32	8	zakat	zakat	NOUN
bjmsr-2280	32	9	solutions	solution	NOUN
bjmsr-2280	32	10	resulted	result	VERB
bjmsr-2280	32	11	in	in	ADP
bjmsr-2280	32	12	a	a	DET
bjmsr-2280	32	13	9	9	NUM
bjmsr-2280	32	14	%	%	NOUN
bjmsr-2280	32	15	increase	increase	NOUN
bjmsr-2280	32	16	in	in	ADP
bjmsr-2280	32	17	zakat	zakat	NOUN
bjmsr-2280	32	18	collection	collection	NOUN
bjmsr-2280	32	19	for	for	ADP
bjmsr-2280	32	20	the	the	DET
bjmsr-2280	32	21	federal	federal	ADJ
bjmsr-2280	32	22	territory	territory	NOUN
bjmsr-2280	32	23	islamic	islamic	ADJ
bjmsr-2280	32	24	religious	religious	ADJ
bjmsr-2280	32	25	council	council	NOUN
bjmsr-2280	32	26	(	(	PUNCT
bjmsr-2280	32	27	maiwp	maiwp	PROPN
bjmsr-2280	32	28	)	)	PUNCT
bjmsr-2280	32	29	,	,	PUNCT
bjmsr-2280	32	30	reaching	reach	VERB
bjmsr-2280	32	31	rm816.48	rm816.48	NUM
bjmsr-2280	32	32	million	million	NUM
bjmsr-2280	32	33	,	,	PUNCT
bjmsr-2280	32	34	and	and	CCONJ
bjmsr-2280	32	35	a	a	DET
bjmsr-2280	32	36	10	10	NUM
bjmsr-2280	32	37	%	%	NOUN
bjmsr-2280	32	38	increase	increase	NOUN
bjmsr-2280	32	39	for	for	ADP
bjmsr-2280	32	40	the	the	DET
bjmsr-2280	32	41	zakat	zakat	NOUN
bjmsr-2280	32	42	collection	collection	NOUN
bjmsr-2280	32	43	centre	centre	NOUN
bjmsr-2280	32	44	(	(	PUNCT
bjmsr-2280	32	45	ppzmaiwp	ppzmaiwp	ADJ
bjmsr-2280	32	46	)	)	PUNCT
bjmsr-2280	32	47	,	,	PUNCT
bjmsr-2280	32	48	totaling	total	VERB
bjmsr-2280	32	49	rm12.19	rm12.19	NOUN
bjmsr-2280	32	50	million	million	NUM
bjmsr-2280	32	51	in	in	ADP
bjmsr-2280	32	52	2021	2021	NUM
bjmsr-2280	32	53	,	,	PUNCT
bjmsr-2280	32	54	covering	cover	VERB
bjmsr-2280	32	55	both	both	CCONJ
bjmsr-2280	32	56	zakat	zakat	NOUN
bjmsr-2280	32	57	wealth	wealth	NOUN
bjmsr-2280	32	58	and	and	CCONJ
bjmsr-2280	32	59	zakat	zakat	PROPN
bjmsr-2280	32	60	fitrah	fitrah	PROPN
bjmsr-2280	32	61	.	.	PUNCT
bjmsr-2280	33	1	however	however	ADV
bjmsr-2280	33	2	,	,	PUNCT
bjmsr-2280	33	3	despite	despite	SCONJ
bjmsr-2280	33	4	the	the	DET
bjmsr-2280	33	5	rising	rise	VERB
bjmsr-2280	33	6	popularity	popularity	NOUN
bjmsr-2280	33	7	of	of	ADP
bjmsr-2280	33	8	online	online	ADJ
bjmsr-2280	33	9	zakat	zakat	NOUN
bjmsr-2280	33	10	payment	payment	NOUN
bjmsr-2280	33	11	services	service	NOUN
bjmsr-2280	33	12	and	and	CCONJ
bjmsr-2280	33	13	their	their	PRON
bjmsr-2280	33	14	potential	potential	NOUN
bjmsr-2280	33	15	to	to	PART
bjmsr-2280	33	16	transform	transform	VERB
bjmsr-2280	33	17	the	the	DET
bjmsr-2280	33	18	zakat	zakat	NOUN
bjmsr-2280	33	19	landscape	landscape	NOUN
bjmsr-2280	33	20	,	,	PUNCT
bjmsr-2280	33	21	it	it	PRON
bjmsr-2280	33	22	is	be	AUX
bjmsr-2280	33	23	important	important	ADJ
bjmsr-2280	33	24	to	to	PART
bjmsr-2280	33	25	acknowledge	acknowledge	VERB
bjmsr-2280	33	26	a	a	DET
bjmsr-2280	33	27	disconnect	disconnect	NOUN
bjmsr-2280	33	28	between	between	ADP
bjmsr-2280	33	29	this	this	DET
bjmsr-2280	33	30	potential	potential	NOUN
bjmsr-2280	33	31	and	and	CCONJ
bjmsr-2280	33	32	the	the	DET
bjmsr-2280	33	33	actual	actual	ADJ
bjmsr-2280	33	34	collection	collection	NOUN
bjmsr-2280	33	35	.	.	PUNCT
bjmsr-2280	34	1	this	this	DET
bjmsr-2280	34	2	disconnect	disconnect	NOUN
bjmsr-2280	34	3	is	be	AUX
bjmsr-2280	34	4	highlighted	highlight	VERB
bjmsr-2280	34	5	by	by	ADP
bjmsr-2280	34	6	paizin	paizin	NOUN
bjmsr-2280	34	7	and	and	CCONJ
bjmsr-2280	34	8	sarif	sarif	ADJ
bjmsr-2280	34	9	(	(	PUNCT
bjmsr-2280	34	10	2021	2021	NUM
bjmsr-2280	34	11	)	)	PUNCT
bjmsr-2280	34	12	,	,	PUNCT
bjmsr-2280	34	13	who	who	PRON
bjmsr-2280	34	14	emphasize	emphasize	VERB
bjmsr-2280	34	15	the	the	DET
bjmsr-2280	34	16	untapped	untapped	ADJ
bjmsr-2280	34	17	potential	potential	NOUN
bjmsr-2280	34	18	in	in	ADP
bjmsr-2280	34	19	zakat	zakat	NOUN
bjmsr-2280	34	20	collection	collection	NOUN
bjmsr-2280	34	21	management	management	NOUN
bjmsr-2280	34	22	.	.	PUNCT
bjmsr-2280	35	1	while	while	SCONJ
bjmsr-2280	35	2	the	the	DET
bjmsr-2280	35	3	annual	annual	ADJ
bjmsr-2280	35	4	zakat	zakat	NOUN
bjmsr-2280	35	5	collection	collection	NOUN
bjmsr-2280	35	6	exhibits	exhibit	VERB
bjmsr-2280	35	7	a	a	DET
bjmsr-2280	35	8	positive	positive	ADJ
bjmsr-2280	35	9	trajectory	trajectory	NOUN
bjmsr-2280	35	10	,	,	PUNCT
bjmsr-2280	35	11	it	it	PRON
bjmsr-2280	35	12	has	have	VERB
bjmsr-2280	35	13	yet	yet	ADV
bjmsr-2280	35	14	to	to	PART
bjmsr-2280	35	15	reach	reach	VERB
bjmsr-2280	35	16	its	its	PRON
bjmsr-2280	35	17	optimal	optimal	ADJ
bjmsr-2280	35	18	level	level	NOUN
bjmsr-2280	35	19	.	.	PUNCT
bjmsr-2280	36	1	it	it	PRON
bjmsr-2280	36	2	indicates	indicate	VERB
bjmsr-2280	36	3	ample	ample	ADJ
bjmsr-2280	36	4	room	room	NOUN
bjmsr-2280	36	5	for	for	ADP
bjmsr-2280	36	6	improvement	improvement	NOUN
bjmsr-2280	36	7	and	and	CCONJ
bjmsr-2280	36	8	streamlining	streamlining	NOUN
bjmsr-2280	36	9	within	within	ADP
bjmsr-2280	36	10	malaysia	malaysia	PROPN
bjmsr-2280	36	11	's	's	PART
bjmsr-2280	36	12	zakat	zakat	NOUN
bjmsr-2280	36	13	institutions	institution	NOUN
bjmsr-2280	36	14	through	through	ADP
bjmsr-2280	36	15	online	online	ADJ
bjmsr-2280	36	16	platforms	platform	NOUN
bjmsr-2280	36	17	.	.	PUNCT
bjmsr-2280	37	1	therefore	therefore	ADV
bjmsr-2280	37	2	,	,	PUNCT
bjmsr-2280	37	3	understanding	understand	VERB
bjmsr-2280	37	4	the	the	DET
bjmsr-2280	37	5	behavior	behavior	NOUN
bjmsr-2280	37	6	and	and	CCONJ
bjmsr-2280	37	7	intentions	intention	NOUN
bjmsr-2280	37	8	of	of	ADP
bjmsr-2280	37	9	muslims	muslim	NOUN
bjmsr-2280	37	10	regarding	regard	VERB
bjmsr-2280	37	11	adopting	adopt	VERB
bjmsr-2280	37	12	alternative	alternative	ADJ
bjmsr-2280	37	13	zakat	zakat	NOUN
bjmsr-2280	37	14	payment	payment	NOUN
bjmsr-2280	37	15	methods	method	NOUN
bjmsr-2280	37	16	,	,	PUNCT
bjmsr-2280	37	17	such	such	ADJ
bjmsr-2280	37	18	as	as	ADP
bjmsr-2280	37	19	online	online	ADJ
bjmsr-2280	37	20	zakat	zakat	NOUN
bjmsr-2280	37	21	payment	payment	NOUN
bjmsr-2280	37	22	services	service	NOUN
bjmsr-2280	37	23	,	,	PUNCT
bjmsr-2280	37	24	is	be	AUX
bjmsr-2280	37	25	of	of	ADP
bjmsr-2280	37	26	utmost	utmost	ADJ
bjmsr-2280	37	27	importance	importance	NOUN
bjmsr-2280	37	28	for	for	ADP
bjmsr-2280	37	29	zakat	zakat	NOUN
bjmsr-2280	37	30	institutions	institution	NOUN
bjmsr-2280	37	31	,	,	PUNCT
bjmsr-2280	37	32	policymakers	policymaker	NOUN
bjmsr-2280	37	33	,	,	PUNCT
bjmsr-2280	37	34	and	and	CCONJ
bjmsr-2280	37	35	government	government	NOUN
bjmsr-2280	37	36	agencies	agency	NOUN
bjmsr-2280	37	37	.	.	PUNCT
bjmsr-2280	38	1	this	this	DET
bjmsr-2280	38	2	understanding	understanding	NOUN
bjmsr-2280	38	3	is	be	AUX
bjmsr-2280	38	4	vital	vital	ADJ
bjmsr-2280	38	5	for	for	ADP
bjmsr-2280	38	6	developing	develop	VERB
bjmsr-2280	38	7	and	and	CCONJ
bjmsr-2280	38	8	enhancing	enhance	VERB
bjmsr-2280	38	9	the	the	DET
bjmsr-2280	38	10	nation	nation	NOUN
bjmsr-2280	38	11	's	's	PART
bjmsr-2280	38	12	digital	digital	ADJ
bjmsr-2280	38	13	management	management	NOUN
bjmsr-2280	38	14	of	of	ADP
bjmsr-2280	38	15	zakat	zakat	NOUN
bjmsr-2280	38	16	.	.	PUNCT
bjmsr-2280	39	1	most	most	ADJ
bjmsr-2280	39	2	prior	prior	ADJ
bjmsr-2280	39	3	studies	study	NOUN
bjmsr-2280	39	4	on	on	ADP
bjmsr-2280	39	5	the	the	DET
bjmsr-2280	39	6	determinants	determinant	NOUN
bjmsr-2280	39	7	of	of	ADP
bjmsr-2280	39	8	online	online	ADJ
bjmsr-2280	39	9	zakat	zakat	NOUN
bjmsr-2280	39	10	services	service	NOUN
bjmsr-2280	39	11	emphasize	emphasize	VERB
bjmsr-2280	39	12	technology	technology	NOUN
bjmsr-2280	39	13	-	-	PUNCT
bjmsr-2280	39	14	based	base	VERB
bjmsr-2280	39	15	theories	theory	NOUN
bjmsr-2280	39	16	to	to	PART
bjmsr-2280	39	17	explain	explain	VERB
bjmsr-2280	39	18	the	the	DET
bjmsr-2280	39	19	adoption	adoption	NOUN
bjmsr-2280	39	20	behavior	behavior	NOUN
bjmsr-2280	39	21	/	/	SYM
bjmsr-2280	39	22	intention	intention	NOUN
bjmsr-2280	39	23	.	.	PUNCT
bjmsr-2280	40	1	for	for	ADP
bjmsr-2280	40	2	example	example	NOUN
bjmsr-2280	40	3	,	,	PUNCT
bjmsr-2280	40	4	some	some	DET
bjmsr-2280	40	5	scholar	scholar	NOUN
bjmsr-2280	40	6	employs	employ	VERB
bjmsr-2280	40	7	the	the	DET
bjmsr-2280	40	8	technology	technology	NOUN
bjmsr-2280	40	9	acceptance	acceptance	NOUN
bjmsr-2280	40	10	model	model	NOUN
bjmsr-2280	40	11	(	(	PUNCT
bjmsr-2280	40	12	tam	tam	PROPN
bjmsr-2280	40	13	)	)	PUNCT
bjmsr-2280	40	14	(	(	PUNCT
bjmsr-2280	40	15	muflih	muflih	NOUN
bjmsr-2280	40	16	,	,	PUNCT
bjmsr-2280	40	17	2023	2023	NUM
bjmsr-2280	40	18	)	)	PUNCT
bjmsr-2280	40	19	,	,	PUNCT
bjmsr-2280	40	20	unified	unified	ADJ
bjmsr-2280	40	21	theory	theory	NOUN
bjmsr-2280	40	22	of	of	ADP
bjmsr-2280	40	23	acceptance	acceptance	NOUN
bjmsr-2280	40	24	and	and	CCONJ
bjmsr-2280	40	25	use	use	NOUN
bjmsr-2280	40	26	of	of	ADP
bjmsr-2280	40	27	technology	technology	NOUN
bjmsr-2280	40	28	(	(	PUNCT
bjmsr-2280	40	29	utaut	utaut	PROPN
bjmsr-2280	40	30	)	)	PUNCT
bjmsr-2280	40	31	(	(	PUNCT
bjmsr-2280	40	32	ahmad	ahmad	PROPN
bjmsr-2280	40	33	et	et	PROPN
bjmsr-2280	40	34	al	al	PROPN
bjmsr-2280	40	35	.	.	PROPN
bjmsr-2280	40	36	,	,	PUNCT
bjmsr-2280	40	37	2014	2014	NUM
bjmsr-2280	40	38	;	;	PUNCT
bjmsr-2280	40	39	bin	bin	NOUN
bjmsr-2280	40	40	-	-	NOUN
bjmsr-2280	40	41	nashwan	nashwan	PROPN
bjmsr-2280	40	42	,	,	PUNCT
bjmsr-2280	40	43	2022	2022	NUM
bjmsr-2280	40	44	;	;	PUNCT
bjmsr-2280	40	45	kasri	kasri	PROPN
bjmsr-2280	40	46	&	&	CCONJ
bjmsr-2280	40	47	yuniar	yuniar	NOUN
bjmsr-2280	40	48	,	,	PUNCT
bjmsr-2280	40	49	2021	2021	NUM
bjmsr-2280	40	50	;	;	PUNCT
bjmsr-2280	40	51	cahyani	cahyani	NOUN
bjmsr-2280	40	52	,	,	PUNCT
bjmsr-2280	40	53	sari	sari	NOUN
bjmsr-2280	40	54	,	,	PUNCT
bjmsr-2280	40	55	&	&	CCONJ
bjmsr-2280	40	56	afandi	afandi	PROPN
bjmsr-2280	40	57	,	,	PUNCT
bjmsr-2280	40	58	2022	2022	NUM
bjmsr-2280	40	59	;	;	PUNCT
bjmsr-2280	40	60	ferdana	ferdana	PROPN
bjmsr-2280	40	61	et	et	PROPN
bjmsr-2280	40	62	al	al	PROPN
bjmsr-2280	40	63	.	.	PROPN
bjmsr-2280	40	64	,	,	PUNCT
bjmsr-2280	40	65	2022	2022	NUM
bjmsr-2280	40	66	;	;	PUNCT
bjmsr-2280	40	67	farhatunnada	farhatunnada	PROPN
bjmsr-2280	40	68	&	&	CCONJ
bjmsr-2280	40	69	wibowo	wibowo	PROPN
bjmsr-2280	40	70	,	,	PUNCT
bjmsr-2280	40	71	2022	2022	NUM
bjmsr-2280	40	72	;	;	PUNCT
bjmsr-2280	40	73	nuryahya	nuryahya	PROPN
bjmsr-2280	40	74	et	et	PROPN
bjmsr-2280	40	75	al	al	PROPN
bjmsr-2280	40	76	.	.	PROPN
bjmsr-2280	40	77	,	,	PUNCT
bjmsr-2280	40	78	2022	2022	NUM
bjmsr-2280	40	79	)	)	PUNCT
bjmsr-2280	40	80	,	,	PUNCT
bjmsr-2280	40	81	and	and	CCONJ
bjmsr-2280	40	82	integrative	integrative	ADJ
bjmsr-2280	40	83	model	model	NOUN
bjmsr-2280	40	84	of	of	ADP
bjmsr-2280	40	85	utaut	utaut	PROPN
bjmsr-2280	40	86	with	with	ADP
bjmsr-2280	40	87	social	social	ADJ
bjmsr-2280	40	88	cognitive	cognitive	ADJ
bjmsr-2280	40	89	theory	theory	NOUN
bjmsr-2280	40	90	(	(	PUNCT
bjmsr-2280	40	91	sct	sct	PROPN
bjmsr-2280	40	92	)	)	PUNCT
bjmsr-2280	40	93	or	or	CCONJ
bjmsr-2280	40	94	with	with	ADP
bjmsr-2280	40	95	tam	tam	NOUN
bjmsr-2280	40	96	and	and	CCONJ
bjmsr-2280	40	97	innovative	innovative	ADJ
bjmsr-2280	40	98	diffusion	diffusion	NOUN
bjmsr-2280	40	99	theory	theory	NOUN
bjmsr-2280	40	100	(	(	PUNCT
bjmsr-2280	40	101	oktavendi	oktavendi	ADJ
bjmsr-2280	40	102	,	,	PUNCT
bjmsr-2280	40	103	&	&	CCONJ
bjmsr-2280	40	104	mu'ammal	mu'ammal	PROPN
bjmsr-2280	40	105	,	,	PUNCT
bjmsr-2280	40	106	2022	2022	NUM
bjmsr-2280	40	107	)	)	PUNCT
bjmsr-2280	40	108	to	to	PART
bjmsr-2280	40	109	explore	explore	VERB
bjmsr-2280	40	110	muslim	muslim	ADJ
bjmsr-2280	40	111	behavior	behavior	NOUN
bjmsr-2280	40	112	and	and	CCONJ
bjmsr-2280	40	113	intention	intention	NOUN
bjmsr-2280	40	114	towards	towards	ADP
bjmsr-2280	40	115	online	online	ADJ
bjmsr-2280	40	116	zakat	zakat	PROPN
bjmsr-2280	40	117	services	service	NOUN
bjmsr-2280	40	118	.	.	PUNCT
bjmsr-2280	41	1	empirical	empirical	ADJ
bjmsr-2280	41	2	studies	study	NOUN
bjmsr-2280	41	3	that	that	PRON
bjmsr-2280	41	4	aim	aim	VERB
bjmsr-2280	41	5	to	to	PART
bjmsr-2280	41	6	comprehend	comprehend	VERB
bjmsr-2280	41	7	zakat	zakat	PROPN
bjmsr-2280	41	8	payers	payer	NOUN
bjmsr-2280	41	9	'	'	PART
bjmsr-2280	41	10	adoption	adoption	NOUN
bjmsr-2280	41	11	intentions	intention	NOUN
bjmsr-2280	41	12	from	from	ADP
bjmsr-2280	41	13	socio	socio	NOUN
bjmsr-2280	41	14	-	-	PUNCT
bjmsr-2280	41	15	psychological	psychological	ADJ
bjmsr-2280	41	16	and	and	CCONJ
bjmsr-2280	41	17	economic	economic	ADJ
bjmsr-2280	41	18	angles	angle	NOUN
bjmsr-2280	41	19	are	be	AUX
bjmsr-2280	41	20	scarce	scarce	ADJ
bjmsr-2280	41	21	.	.	PUNCT
bjmsr-2280	42	1	thus	thus	ADV
bjmsr-2280	42	2	,	,	PUNCT
bjmsr-2280	42	3	this	this	DET
bjmsr-2280	42	4	study	study	NOUN
bjmsr-2280	42	5	examines	examine	VERB
bjmsr-2280	42	6	how	how	SCONJ
bjmsr-2280	42	7	socio	socio	NOUN
bjmsr-2280	42	8	-	-	PUNCT
bjmsr-2280	42	9	economic	economic	ADJ
bjmsr-2280	42	10	determinants	determinant	NOUN
bjmsr-2280	42	11	(	(	PUNCT
bjmsr-2280	42	12	i.e.	i.e.	X
bjmsr-2280	42	13	,	,	PUNCT
bjmsr-2280	42	14	perceived	perceive	VERB
bjmsr-2280	42	15	risk	risk	NOUN
bjmsr-2280	42	16	,	,	PUNCT
bjmsr-2280	42	17	trust	trust	NOUN
bjmsr-2280	42	18	in	in	ADP
bjmsr-2280	42	19	zakat	zakat	PROPN
bjmsr-2280	42	20	institution	institution	NOUN
bjmsr-2280	42	21	,	,	PUNCT
bjmsr-2280	42	22	zakat	zakat	NOUN
bjmsr-2280	42	23	literacy	literacy	NOUN
bjmsr-2280	42	24	,	,	PUNCT
bjmsr-2280	42	25	and	and	CCONJ
bjmsr-2280	42	26	prior	prior	ADJ
bjmsr-2280	42	27	experience	experience	NOUN
bjmsr-2280	42	28	)	)	PUNCT
bjmsr-2280	42	29	influence	influence	NOUN
bjmsr-2280	42	30	zakat	zakat	NOUN
bjmsr-2280	42	31	payers	payer	NOUN
bjmsr-2280	42	32	'	'	PART
bjmsr-2280	42	33	intentions	intention	NOUN
bjmsr-2280	42	34	to	to	PART
bjmsr-2280	42	35	adopt	adopt	VERB
bjmsr-2280	42	36	online	online	ADJ
bjmsr-2280	42	37	zakat	zakat	NOUN
bjmsr-2280	42	38	payment	payment	NOUN
bjmsr-2280	42	39	services	service	NOUN
bjmsr-2280	42	40	.	.	PUNCT
bjmsr-2280	43	1	the	the	DET
bjmsr-2280	43	2	paper	paper	NOUN
bjmsr-2280	43	3	is	be	AUX
bjmsr-2280	43	4	organized	organize	VERB
bjmsr-2280	43	5	as	as	SCONJ
bjmsr-2280	43	6	follows	follow	VERB
bjmsr-2280	43	7	:	:	PUNCT
bjmsr-2280	43	8	a	a	DET
bjmsr-2280	43	9	review	review	NOUN
bjmsr-2280	43	10	of	of	ADP
bjmsr-2280	43	11	the	the	DET
bjmsr-2280	43	12	pertinent	pertinent	ADJ
bjmsr-2280	43	13	literature	literature	NOUN
bjmsr-2280	43	14	that	that	PRON
bjmsr-2280	43	15	served	serve	VERB
bjmsr-2280	43	16	as	as	ADP
bjmsr-2280	43	17	a	a	DET
bjmsr-2280	43	18	guide	guide	NOUN
bjmsr-2280	43	19	for	for	ADP
bjmsr-2280	43	20	the	the	DET
bjmsr-2280	43	21	creation	creation	NOUN
bjmsr-2280	43	22	of	of	ADP
bjmsr-2280	43	23	the	the	DET
bjmsr-2280	43	24	hypotheses	hypothesis	NOUN
bjmsr-2280	43	25	is	be	AUX
bjmsr-2280	43	26	given	give	VERB
bjmsr-2280	43	27	in	in	ADP
bjmsr-2280	43	28	section	section	NOUN
bjmsr-2280	43	29	2	2	NUM
bjmsr-2280	43	30	.	.	PUNCT
bjmsr-2280	44	1	the	the	DET
bjmsr-2280	44	2	research	research	NOUN
bjmsr-2280	44	3	methodology	methodology	NOUN
bjmsr-2280	44	4	used	use	VERB
bjmsr-2280	44	5	is	be	AUX
bjmsr-2280	44	6	described	describe	VERB
bjmsr-2280	44	7	in	in	ADP
bjmsr-2280	44	8	depth	depth	NOUN
bjmsr-2280	44	9	in	in	ADP
bjmsr-2280	44	10	section	section	NOUN
bjmsr-2280	44	11	3	3	NUM
bjmsr-2280	44	12	,	,	PUNCT
bjmsr-2280	44	13	and	and	CCONJ
bjmsr-2280	44	14	the	the	DET
bjmsr-2280	44	15	analysis	analysis	NOUN
bjmsr-2280	44	16	's	's	PART
bjmsr-2280	44	17	findings	finding	NOUN
bjmsr-2280	44	18	are	be	AUX
bjmsr-2280	44	19	presented	present	VERB
bjmsr-2280	44	20	in	in	ADP
bjmsr-2280	44	21	section	section	NOUN
bjmsr-2280	44	22	4	4	NUM
bjmsr-2280	44	23	.	.	PUNCT
bjmsr-2280	45	1	the	the	DET
bjmsr-2280	45	2	findings	finding	NOUN
bjmsr-2280	45	3	are	be	AUX
bjmsr-2280	45	4	discussed	discuss	VERB
bjmsr-2280	45	5	in	in	ADP
bjmsr-2280	45	6	section	section	NOUN
bjmsr-2280	45	7	5	5	NUM
bjmsr-2280	45	8	,	,	PUNCT
bjmsr-2280	45	9	and	and	CCONJ
bjmsr-2280	45	10	the	the	DET
bjmsr-2280	45	11	paper	paper	NOUN
bjmsr-2280	45	12	concludes	conclude	VERB
bjmsr-2280	45	13	in	in	ADP
bjmsr-2280	45	14	section	section	NOUN
bjmsr-2280	45	15	6	6	NUM
bjmsr-2280	45	16	.	.	PUNCT
bjmsr-2280	46	1	literature	literature	PROPN
bjmsr-2280	46	2	review	review	PROPN
bjmsr-2280	46	3	perceived	perceive	VERB
bjmsr-2280	46	4	risk	risk	NOUN
bjmsr-2280	46	5	and	and	CCONJ
bjmsr-2280	46	6	online	online	ADJ
bjmsr-2280	46	7	zakat	zakat	NOUN
bjmsr-2280	46	8	payment	payment	NOUN
bjmsr-2280	46	9	usage	usage	NOUN
bjmsr-2280	46	10	intention	intention	NOUN
bjmsr-2280	46	11	prior	prior	ADJ
bjmsr-2280	46	12	studies	study	NOUN
bjmsr-2280	46	13	(	(	PUNCT
bjmsr-2280	46	14	wu	wu	PROPN
bjmsr-2280	46	15	et	et	PROPN
bjmsr-2280	46	16	al	al	PROPN
bjmsr-2280	46	17	.	.	PROPN
bjmsr-2280	46	18	,	,	PUNCT
bjmsr-2280	46	19	2017	2017	NUM
bjmsr-2280	46	20	;	;	PUNCT
bjmsr-2280	46	21	safeena	safeena	PROPN
bjmsr-2280	46	22	et	et	PROPN
bjmsr-2280	46	23	al	al	PROPN
bjmsr-2280	46	24	.	.	PROPN
bjmsr-2280	46	25	,	,	PUNCT
bjmsr-2280	46	26	2012	2012	NUM
bjmsr-2280	46	27	;	;	PUNCT
bjmsr-2280	46	28	faqih	faqih	NOUN
bjmsr-2280	46	29	,	,	PUNCT
bjmsr-2280	46	30	2022	2022	NUM
bjmsr-2280	46	31	)	)	PUNCT
bjmsr-2280	46	32	highlight	highlight	VERB
bjmsr-2280	46	33	that	that	PRON
bjmsr-2280	46	34	user	user	NOUN
bjmsr-2280	46	35	’s	’s	PART
bjmsr-2280	46	36	reluctance	reluctance	NOUN
bjmsr-2280	46	37	to	to	PART
bjmsr-2280	46	38	embrace	embrace	VERB
bjmsr-2280	46	39	online	online	ADJ
bjmsr-2280	46	40	payments	payment	NOUN
bjmsr-2280	46	41	often	often	ADV
bjmsr-2280	46	42	stems	stem	VERB
bjmsr-2280	46	43	from	from	ADP
bjmsr-2280	46	44	uncertainties	uncertainty	NOUN
bjmsr-2280	46	45	in	in	ADP
bjmsr-2280	46	46	transaction	transaction	NOUN
bjmsr-2280	46	47	handling	handling	NOUN
bjmsr-2280	46	48	and	and	CCONJ
bjmsr-2280	46	49	their	their	PRON
bjmsr-2280	46	50	perception	perception	NOUN
bjmsr-2280	46	51	of	of	ADP
bjmsr-2280	46	52	associated	associated	ADJ
bjmsr-2280	46	53	risks	risk	NOUN
bjmsr-2280	46	54	.	.	PUNCT
bjmsr-2280	47	1	according	accord	VERB
bjmsr-2280	47	2	to	to	ADP
bjmsr-2280	47	3	bauer	bauer	PROPN
bjmsr-2280	47	4	(	(	PUNCT
bjmsr-2280	47	5	1967	1967	NUM
bjmsr-2280	47	6	)	)	PUNCT
bjmsr-2280	47	7	,	,	PUNCT
bjmsr-2280	47	8	perceived	perceive	VERB
bjmsr-2280	47	9	risk	risk	NOUN
bjmsr-2280	47	10	is	be	AUX
bjmsr-2280	47	11	a	a	DET
bjmsr-2280	47	12	combination	combination	NOUN
bjmsr-2280	47	13	of	of	ADP
bjmsr-2280	47	14	uncertainty	uncertainty	NOUN
bjmsr-2280	47	15	and	and	CCONJ
bjmsr-2280	47	16	the	the	DET
bjmsr-2280	47	17	seriousness	seriousness	NOUN
bjmsr-2280	47	18	of	of	ADP
bjmsr-2280	47	19	potential	potential	ADJ
bjmsr-2280	47	20	outcomes	outcome	NOUN
bjmsr-2280	47	21	.	.	PUNCT
bjmsr-2280	48	1	akturan	akturan	VERB
bjmsr-2280	48	2	and	and	CCONJ
bjmsr-2280	48	3	tezcan	tezcan	ADJ
bjmsr-2280	48	4	(	(	PUNCT
bjmsr-2280	48	5	2012	2012	NUM
bjmsr-2280	48	6	)	)	PUNCT
bjmsr-2280	48	7	highlight	highlight	VERB
bjmsr-2280	48	8	two	two	NUM
bjmsr-2280	48	9	fundamental	fundamental	ADJ
bjmsr-2280	48	10	components	component	NOUN
bjmsr-2280	48	11	within	within	ADP
bjmsr-2280	48	12	the	the	DET
bjmsr-2280	48	13	domain	domain	NOUN
bjmsr-2280	48	14	of	of	ADP
bjmsr-2280	48	15	perceived	perceive	VERB
bjmsr-2280	48	16	risk	risk	NOUN
bjmsr-2280	48	17	regarding	regard	VERB
bjmsr-2280	48	18	technology	technology	NOUN
bjmsr-2280	48	19	-	-	PUNCT
bjmsr-2280	48	20	induced	induce	VERB
bjmsr-2280	48	21	hazards	hazard	NOUN
bjmsr-2280	48	22	related	relate	VERB
bjmsr-2280	48	23	to	to	ADP
bjmsr-2280	48	24	infrastructure	infrastructure	NOUN
bjmsr-2280	48	25	and	and	CCONJ
bjmsr-2280	48	26	potential	potential	ADJ
bjmsr-2280	48	27	issues	issue	NOUN
bjmsr-2280	48	28	associated	associate	VERB
bjmsr-2280	48	29	with	with	ADP
bjmsr-2280	48	30	a	a	DET
bjmsr-2280	48	31	service	service	NOUN
bjmsr-2280	48	32	provider	provider	NOUN
bjmsr-2280	48	33	's	's	PART
bjmsr-2280	48	34	behavior	behavior	NOUN
bjmsr-2280	48	35	.	.	PUNCT
bjmsr-2280	49	1	they	they	PRON
bjmsr-2280	49	2	argue	argue	VERB
bjmsr-2280	49	3	that	that	SCONJ
bjmsr-2280	49	4	,	,	PUNCT
bjmsr-2280	49	5	rather	rather	ADV
bjmsr-2280	49	6	than	than	ADP
bjmsr-2280	49	7	adhering	adhere	VERB
bjmsr-2280	49	8	to	to	ADP
bjmsr-2280	49	9	the	the	DET
bjmsr-2280	49	10	anticipated	anticipate	VERB
bjmsr-2280	49	11	levels	level	NOUN
bjmsr-2280	49	12	of	of	ADP
bjmsr-2280	49	13	dependability	dependability	NOUN
bjmsr-2280	49	14	,	,	PUNCT
bjmsr-2280	49	15	service	service	NOUN
bjmsr-2280	49	16	providers	provider	NOUN
bjmsr-2280	49	17	often	often	ADV
bjmsr-2280	49	18	resort	resort	VERB
bjmsr-2280	49	19	to	to	ADP
bjmsr-2280	49	20	opportunistic	opportunistic	ADJ
bjmsr-2280	49	21	actions	action	NOUN
bjmsr-2280	49	22	,	,	PUNCT
bjmsr-2280	49	23	taking	take	VERB
bjmsr-2280	49	24	advantage	advantage	NOUN
bjmsr-2280	49	25	of	of	ADP
bjmsr-2280	49	26	unforeseeable	unforeseeable	ADJ
bjmsr-2280	49	27	transactions	transaction	NOUN
bjmsr-2280	49	28	.	.	PUNCT
bjmsr-2280	50	1	furthermore	furthermore	ADV
bjmsr-2280	50	2	,	,	PUNCT
bjmsr-2280	50	3	the	the	DET
bjmsr-2280	50	4	inherent	inherent	ADJ
bjmsr-2280	50	5	vulnerability	vulnerability	NOUN
bjmsr-2280	50	6	linked	link	VERB
bjmsr-2280	50	7	to	to	ADP
bjmsr-2280	50	8	application	application	NOUN
bjmsr-2280	50	9	technology	technology	NOUN
bjmsr-2280	50	10	continually	continually	ADV
bjmsr-2280	50	11	exposes	expose	VERB
bjmsr-2280	50	12	users	user	NOUN
bjmsr-2280	50	13	to	to	ADP
bjmsr-2280	50	14	the	the	DET
bjmsr-2280	50	15	risk	risk	NOUN
bjmsr-2280	50	16	of	of	ADP
bjmsr-2280	50	17	compromise	compromise	NOUN
bjmsr-2280	50	18	.	.	PUNCT
bjmsr-2280	51	1	as	as	ADP
bjmsr-2280	51	2	a	a	DET
bjmsr-2280	51	3	result	result	NOUN
bjmsr-2280	51	4	,	,	PUNCT
bjmsr-2280	51	5	user	user	NOUN
bjmsr-2280	51	6	confidence	confidence	NOUN
bjmsr-2280	51	7	diminishes	diminish	VERB
bjmsr-2280	51	8	in	in	ADP
bjmsr-2280	51	9	response	response	NOUN
bjmsr-2280	51	10	to	to	ADP
bjmsr-2280	51	11	these	these	DET
bjmsr-2280	51	12	technological	technological	ADJ
bjmsr-2280	51	13	and	and	CCONJ
bjmsr-2280	51	14	relational	relational	ADJ
bjmsr-2280	51	15	uncertainties	uncertainty	NOUN
bjmsr-2280	51	16	,	,	PUNCT
bjmsr-2280	51	17	leading	lead	VERB
bjmsr-2280	51	18	to	to	ADP
bjmsr-2280	51	19	a	a	DET
bjmsr-2280	51	20	decreased	decrease	VERB
bjmsr-2280	51	21	willingness	willingness	NOUN
bjmsr-2280	51	22	to	to	PART
bjmsr-2280	51	23	engage	engage	VERB
bjmsr-2280	51	24	with	with	ADP
bjmsr-2280	51	25	online	online	ADJ
bjmsr-2280	51	26	services	service	NOUN
bjmsr-2280	51	27	.	.	PUNCT
bjmsr-2280	52	1	in	in	ADP
bjmsr-2280	52	2	the	the	DET
bjmsr-2280	52	3	context	context	NOUN
bjmsr-2280	52	4	of	of	ADP
bjmsr-2280	52	5	zakat	zakat	PROPN
bjmsr-2280	52	6	research	research	NOUN
bjmsr-2280	52	7	,	,	PUNCT
bjmsr-2280	52	8	it	it	PRON
bjmsr-2280	52	9	becomes	become	VERB
bjmsr-2280	52	10	evident	evident	ADJ
bjmsr-2280	52	11	that	that	SCONJ
bjmsr-2280	52	12	a	a	DET
bjmsr-2280	52	13	zakat	zakat	NOUN
bjmsr-2280	52	14	payer	payer	NOUN
bjmsr-2280	52	15	's	's	PART
bjmsr-2280	52	16	perception	perception	NOUN
bjmsr-2280	52	17	of	of	ADP
bjmsr-2280	52	18	risk	risk	NOUN
bjmsr-2280	52	19	plays	play	VERB
bjmsr-2280	52	20	a	a	DET
bjmsr-2280	52	21	substantial	substantial	ADJ
bjmsr-2280	52	22	role	role	NOUN
bjmsr-2280	52	23	in	in	ADP
bjmsr-2280	52	24	influencing	influence	VERB
bjmsr-2280	52	25	their	their	PRON
bjmsr-2280	52	26	inclination	inclination	NOUN
bjmsr-2280	52	27	to	to	PART
bjmsr-2280	52	28	utilize	utilize	VERB
bjmsr-2280	52	29	online	online	ADJ
bjmsr-2280	52	30	zakat	zakat	NOUN
bjmsr-2280	52	31	payment	payment	NOUN
bjmsr-2280	52	32	services	service	NOUN
bjmsr-2280	52	33	.	.	PUNCT
bjmsr-2280	53	1	these	these	DET
bjmsr-2280	53	2	perceived	perceive	VERB
bjmsr-2280	53	3	risks	risk	NOUN
bjmsr-2280	53	4	encompass	encompass	VERB
bjmsr-2280	53	5	concerns	concern	NOUN
bjmsr-2280	53	6	related	relate	VERB
bjmsr-2280	53	7	to	to	ADP
bjmsr-2280	53	8	finances	finance	NOUN
bjmsr-2280	53	9	,	,	PUNCT
bjmsr-2280	53	10	such	such	ADJ
bjmsr-2280	53	11	as	as	ADP
bjmsr-2280	53	12	apprehensions	apprehension	NOUN
bjmsr-2280	53	13	about	about	ADP
bjmsr-2280	53	14	data	datum	NOUN
bjmsr-2280	53	15	security	security	NOUN
bjmsr-2280	53	16	and	and	CCONJ
bjmsr-2280	53	17	the	the	DET
bjmsr-2280	53	18	possibility	possibility	NOUN
bjmsr-2280	53	19	of	of	ADP
bjmsr-2280	53	20	financial	financial	ADJ
bjmsr-2280	53	21	losses	loss	NOUN
bjmsr-2280	53	22	and	and	CCONJ
bjmsr-2280	53	23	worries	worry	NOUN
bjmsr-2280	53	24	about	about	ADP
bjmsr-2280	53	25	privacy	privacy	NOUN
bjmsr-2280	53	26	,	,	PUNCT
bjmsr-2280	53	27	including	include	VERB
bjmsr-2280	53	28	the	the	DET
bjmsr-2280	53	29	mishandling	mishandling	NOUN
bjmsr-2280	53	30	of	of	ADP
bjmsr-2280	53	31	personal	personal	ADJ
bjmsr-2280	53	32	information	information	NOUN
bjmsr-2280	53	33	.	.	PUNCT
bjmsr-2280	54	1	furthermore	furthermore	ADV
bjmsr-2280	54	2	,	,	PUNCT
bjmsr-2280	54	3	concerns	concern	NOUN
bjmsr-2280	54	4	about	about	ADP
bjmsr-2280	54	5	performance	performance	NOUN
bjmsr-2280	54	6	issues	issue	NOUN
bjmsr-2280	54	7	,	,	PUNCT
bjmsr-2280	54	8	such	such	ADJ
bjmsr-2280	54	9	as	as	ADP
bjmsr-2280	54	10	technical	technical	ADJ
bjmsr-2280	54	11	glitches	glitch	NOUN
bjmsr-2280	54	12	and	and	CCONJ
bjmsr-2280	54	13	reliability	reliability	NOUN
bjmsr-2280	54	14	,	,	PUNCT
bjmsr-2280	54	15	and	and	CCONJ
bjmsr-2280	54	16	doubts	doubt	NOUN
bjmsr-2280	54	17	regarding	regard	VERB
bjmsr-2280	54	18	the	the	DET
bjmsr-2280	54	19	platform	platform	NOUN
bjmsr-2280	54	20	's	's	PART
bjmsr-2280	54	21	trustworthiness	trustworthiness	NOUN
bjmsr-2280	54	22	can	can	AUX
bjmsr-2280	54	23	further	far	ADV
bjmsr-2280	54	24	discourage	discourage	VERB
bjmsr-2280	54	25	potential	potential	ADJ
bjmsr-2280	54	26	users	user	NOUN
bjmsr-2280	54	27	.	.	PUNCT
bjmsr-2280	55	1	prior	prior	ADJ
bjmsr-2280	55	2	research	research	NOUN
bjmsr-2280	55	3	has	have	AUX
bjmsr-2280	55	4	found	find	VERB
bjmsr-2280	55	5	a	a	DET
bjmsr-2280	55	6	significant	significant	ADJ
bjmsr-2280	55	7	association	association	NOUN
bjmsr-2280	55	8	between	between	ADP
bjmsr-2280	55	9	perceived	perceive	VERB
bjmsr-2280	55	10	risk	risk	NOUN
bjmsr-2280	55	11	and	and	CCONJ
bjmsr-2280	55	12	technology	technology	NOUN
bjmsr-2280	55	13	adoption	adoption	NOUN
bjmsr-2280	55	14	intention	intention	NOUN
bjmsr-2280	55	15	and	and	CCONJ
bjmsr-2280	55	16	behavior	behavior	NOUN
bjmsr-2280	55	17	.	.	PUNCT
bjmsr-2280	56	1	for	for	ADP
bjmsr-2280	56	2	example	example	NOUN
bjmsr-2280	56	3	,	,	PUNCT
bjmsr-2280	56	4	park	park	NOUN
bjmsr-2280	56	5	et	et	PROPN
bjmsr-2280	56	6	al	al	PROPN
bjmsr-2280	56	7	.	.	PROPN
bjmsr-2280	57	1	(	(	PUNCT
bjmsr-2280	57	2	2019	2019	NUM
bjmsr-2280	57	3	)	)	PUNCT
bjmsr-2280	57	4	investigate	investigate	VERB
bjmsr-2280	57	5	the	the	DET
bjmsr-2280	57	6	effects	effect	NOUN
bjmsr-2280	57	7	of	of	ADP
bjmsr-2280	57	8	perceived	perceive	VERB
bjmsr-2280	57	9	risk	risk	NOUN
bjmsr-2280	57	10	on	on	ADP
bjmsr-2280	57	11	consumers	consumer	NOUN
bjmsr-2280	57	12	'	'	PART
bjmsr-2280	57	13	intention	intention	NOUN
bjmsr-2280	57	14	to	to	PART
bjmsr-2280	57	15	use	use	VERB
bjmsr-2280	57	16	mobile	mobile	ADJ
bjmsr-2280	57	17	payment	payment	NOUN
bjmsr-2280	57	18	or	or	CCONJ
bjmsr-2280	57	19	m	m	NOUN
bjmsr-2280	57	20	-	-	NOUN
bjmsr-2280	57	21	payment	payment	NOUN
bjmsr-2280	57	22	.	.	PUNCT
bjmsr-2280	58	1	the	the	DET
bjmsr-2280	58	2	study	study	NOUN
bjmsr-2280	58	3	's	's	PART
bjmsr-2280	58	4	457	457	NUM
bjmsr-2280	58	5	respondents	respondent	NOUN
bjmsr-2280	58	6	'	'	PART
bjmsr-2280	58	7	results	result	NOUN
bjmsr-2280	58	8	supported	support	VERB
bjmsr-2280	58	9	the	the	DET
bjmsr-2280	58	10	negative	negative	ADJ
bjmsr-2280	58	11	relationship	relationship	NOUN
bjmsr-2280	58	12	between	between	ADP
bjmsr-2280	58	13	perceived	perceive	VERB
bjmsr-2280	58	14	risk	risk	NOUN
bjmsr-2280	58	15	and	and	CCONJ
bjmsr-2280	58	16	consumer	consumer	NOUN
bjmsr-2280	58	17	intention	intention	NOUN
bjmsr-2280	58	18	to	to	PART
bjmsr-2280	58	19	use	use	VERB
bjmsr-2280	58	20	m	m	NOUN
bjmsr-2280	58	21	-	-	NOUN
bjmsr-2280	58	22	payment	payment	NOUN
bjmsr-2280	58	23	.	.	PUNCT
bjmsr-2280	59	1	similarly	similarly	ADV
bjmsr-2280	59	2	,	,	PUNCT
bjmsr-2280	59	3	xie	xie	PROPN
bjmsr-2280	59	4	et	et	PROPN
bjmsr-2280	59	5	al	al	PROPN
bjmsr-2280	59	6	.	.	PROPN
bjmsr-2280	59	7	(	(	PUNCT
bjmsr-2280	59	8	2021	2021	NUM
bjmsr-2280	59	9	)	)	PUNCT
bjmsr-2280	59	10	find	find	VERB
bjmsr-2280	59	11	that	that	SCONJ
bjmsr-2280	59	12	perceived	perceive	VERB
bjmsr-2280	59	13	risk	risk	NOUN
bjmsr-2280	59	14	strongly	strongly	ADV
bjmsr-2280	59	15	relates	relate	VERB
bjmsr-2280	59	16	to	to	ADP
bjmsr-2280	59	17	individuals	individual	NOUN
bjmsr-2280	59	18	’	'	PUNCT
bjmsr-2280	59	19	fintech	fintech	NOUN
bjmsr-2280	59	20	adoption	adoption	NOUN
bjmsr-2280	59	21	intention	intention	NOUN
bjmsr-2280	59	22	.	.	PUNCT
bjmsr-2280	60	1	in	in	ADP
bjmsr-2280	60	2	the	the	DET
bjmsr-2280	60	3	zakat	zakat	PROPN
bjmsr-2280	60	4	research	research	NOUN
bjmsr-2280	60	5	area	area	NOUN
bjmsr-2280	60	6	,	,	PUNCT
bjmsr-2280	60	7	oktavendi	oktavendi	ADJ
bjmsr-2280	60	8	and	and	CCONJ
bjmsr-2280	60	9	mu'ammal	mu'ammal	PROPN
bjmsr-2280	60	10	(	(	PUNCT
bjmsr-2280	60	11	2022	2022	NUM
bjmsr-2280	60	12	)	)	PUNCT
bjmsr-2280	60	13	examine	examine	VERB
bjmsr-2280	60	14	the	the	DET
bjmsr-2280	60	15	impact	impact	NOUN
bjmsr-2280	60	16	of	of	ADP
bjmsr-2280	60	17	perceived	perceive	VERB
bjmsr-2280	60	18	risk	risk	NOUN
bjmsr-2280	60	19	on	on	ADP
bjmsr-2280	60	20	using	use	VERB
bjmsr-2280	60	21	zakat	zakat	NOUN
bjmsr-2280	60	22	,	,	PUNCT
bjmsr-2280	60	23	infaq	infaq	NOUN
bjmsr-2280	60	24	,	,	PUNCT
bjmsr-2280	60	25	and	and	CCONJ
bjmsr-2280	60	26	sadaqah	sadaqah	PROPN
bjmsr-2280	60	27	(	(	PUNCT
bjmsr-2280	60	28	zis	zis	NOUN
bjmsr-2280	60	29	)	)	PUNCT
bjmsr-2280	60	30	digital	digital	ADJ
bjmsr-2280	60	31	payments	payment	NOUN
bjmsr-2280	60	32	among	among	ADP
bjmsr-2280	60	33	generation	generation	NOUN
bjmsr-2280	60	34	z	z	PROPN
bjmsr-2280	60	35	in	in	ADP
bjmsr-2280	60	36	indonesia	indonesia	PROPN
bjmsr-2280	60	37	.	.	PUNCT
bjmsr-2280	61	1	surprisingly	surprisingly	ADV
bjmsr-2280	61	2	,	,	PUNCT
bjmsr-2280	61	3	their	their	PRON
bjmsr-2280	61	4	results	result	NOUN
bjmsr-2280	61	5	indicated	indicate	VERB
bjmsr-2280	61	6	an	an	DET
bjmsr-2280	61	7	insignificant	insignificant	ADJ
bjmsr-2280	61	8	effect	effect	NOUN
bjmsr-2280	61	9	of	of	ADP
bjmsr-2280	61	10	perceived	perceive	VERB
bjmsr-2280	61	11	risk	risk	NOUN
bjmsr-2280	61	12	on	on	ADP
bjmsr-2280	61	13	behavioral	behavioral	ADJ
bjmsr-2280	61	14	intention	intention	NOUN
bjmsr-2280	61	15	.	.	PUNCT
bjmsr-2280	62	1	given	give	VERB
bjmsr-2280	62	2	these	these	DET
bjmsr-2280	62	3	mixed	mixed	ADJ
bjmsr-2280	62	4	findings	finding	NOUN
bjmsr-2280	62	5	,	,	PUNCT
bjmsr-2280	62	6	this	this	DET
bjmsr-2280	62	7	study	study	NOUN
bjmsr-2280	62	8	aims	aim	VERB
bjmsr-2280	62	9	to	to	PART
bjmsr-2280	62	10	reexamine	reexamine	VERB
bjmsr-2280	62	11	the	the	DET
bjmsr-2280	62	12	relationship	relationship	NOUN
bjmsr-2280	62	13	in	in	ADP
bjmsr-2280	62	14	a	a	DET
bjmsr-2280	62	15	different	different	ADJ
bjmsr-2280	62	16	research	research	NOUN
bjmsr-2280	62	17	setting	setting	NOUN
bjmsr-2280	62	18	,	,	PUNCT
bjmsr-2280	62	19	malaysia	malaysia	PROPN
bjmsr-2280	62	20	,	,	PUNCT
bjmsr-2280	62	21	and	and	CCONJ
bjmsr-2280	62	22	proposes	propose	VERB
bjmsr-2280	62	23	the	the	DET
bjmsr-2280	62	24	following	follow	VERB
bjmsr-2280	62	25	hypothesis	hypothesis	NOUN
bjmsr-2280	62	26	:	:	PUNCT
bjmsr-2280	62	27	h1	h1	PROPN
bjmsr-2280	62	28	:	:	PUNCT
bjmsr-2280	62	29	perceived	perceive	VERB
bjmsr-2280	62	30	risk	risk	NOUN
bjmsr-2280	62	31	has	have	VERB
bjmsr-2280	62	32	a	a	DET
bjmsr-2280	62	33	significant	significant	ADJ
bjmsr-2280	62	34	negative	negative	ADJ
bjmsr-2280	62	35	effect	effect	NOUN
bjmsr-2280	62	36	on	on	ADP
bjmsr-2280	62	37	online	online	ADJ
bjmsr-2280	62	38	zakat	zakat	NOUN
bjmsr-2280	62	39	payment	payment	NOUN
bjmsr-2280	62	40	usage	usage	NOUN
bjmsr-2280	62	41	intention	intention	NOUN
bjmsr-2280	62	42	trust	trust	NOUN
bjmsr-2280	62	43	in	in	ADP
bjmsr-2280	62	44	zakat	zakat	NOUN
bjmsr-2280	62	45	institution	institution	NOUN
bjmsr-2280	62	46	and	and	CCONJ
bjmsr-2280	62	47	online	online	ADJ
bjmsr-2280	62	48	zakat	zakat	NOUN
bjmsr-2280	62	49	payment	payment	NOUN
bjmsr-2280	62	50	usage	usage	NOUN
bjmsr-2280	62	51	intention	intention	NOUN
bjmsr-2280	62	52	trust	trust	NOUN
bjmsr-2280	62	53	in	in	ADP
bjmsr-2280	62	54	an	an	DET
bjmsr-2280	62	55	organization	organization	NOUN
bjmsr-2280	62	56	plays	play	VERB
bjmsr-2280	62	57	a	a	DET
bjmsr-2280	62	58	pivotal	pivotal	ADJ
bjmsr-2280	62	59	role	role	NOUN
bjmsr-2280	62	60	in	in	ADP
bjmsr-2280	62	61	defining	define	VERB
bjmsr-2280	62	62	the	the	DET
bjmsr-2280	62	63	credibility	credibility	NOUN
bjmsr-2280	62	64	and	and	CCONJ
bjmsr-2280	62	65	legitimacy	legitimacy	NOUN
bjmsr-2280	62	66	of	of	ADP
bjmsr-2280	62	67	the	the	DET
bjmsr-2280	62	68	nonprofit	nonprofit	ADJ
bjmsr-2280	62	69	sector	sector	NOUN
bjmsr-2280	62	70	and	and	CCONJ
bjmsr-2280	62	71	motivating	motivate	VERB
bjmsr-2280	62	72	financial	financial	ADJ
bjmsr-2280	62	73	contributions	contribution	NOUN
bjmsr-2280	62	74	(	(	PUNCT
bjmsr-2280	62	75	sargeant	sargeant	PROPN
bjmsr-2280	62	76	&	&	CCONJ
bjmsr-2280	62	77	lee	lee	PROPN
bjmsr-2280	62	78	,	,	PUNCT
bjmsr-2280	62	79	2004	2004	NUM
bjmsr-2280	62	80	)	)	PUNCT
bjmsr-2280	62	81	.	.	PUNCT
bjmsr-2280	63	1	as	as	SCONJ
bjmsr-2280	63	2	noted	note	VERB
bjmsr-2280	63	3	by	by	ADP
bjmsr-2280	63	4	prakash	prakash	PROPN
bjmsr-2280	63	5	and	and	CCONJ
bjmsr-2280	63	6	gugerty	gugerty	PROPN
bjmsr-2280	63	7	(	(	PUNCT
bjmsr-2280	63	8	2010	2010	NUM
bjmsr-2280	63	9	)	)	PUNCT
bjmsr-2280	63	10	,	,	PUNCT
bjmsr-2280	63	11	donors	donor	NOUN
bjmsr-2280	63	12	tend	tend	VERB
bjmsr-2280	63	13	to	to	PART
bjmsr-2280	63	14	withhold	withhold	VERB
bjmsr-2280	63	15	their	their	PRON
bjmsr-2280	63	16	support	support	NOUN
bjmsr-2280	63	17	from	from	ADP
bjmsr-2280	63	18	organizations	organization	NOUN
bjmsr-2280	63	19	they	they	PRON
bjmsr-2280	63	20	lack	lack	VERB
bjmsr-2280	63	21	trust	trust	NOUN
bjmsr-2280	63	22	in	in	ADP
bjmsr-2280	63	23	and	and	CCONJ
bjmsr-2280	63	24	with	with	ADP
bjmsr-2280	63	25	which	which	PRON
bjmsr-2280	63	26	they	they	PRON
bjmsr-2280	63	27	do	do	AUX
bjmsr-2280	63	28	not	not	PART
bjmsr-2280	63	29	feel	feel	VERB
bjmsr-2280	63	30	assured	assure	VERB
bjmsr-2280	63	31	.	.	PUNCT
bjmsr-2280	64	1	when	when	SCONJ
bjmsr-2280	64	2	individuals	individual	NOUN
bjmsr-2280	64	3	have	have	VERB
bjmsr-2280	64	4	confidence	confidence	NOUN
bjmsr-2280	64	5	in	in	ADP
bjmsr-2280	64	6	an	an	DET
bjmsr-2280	64	7	organization	organization	NOUN
bjmsr-2280	64	8	,	,	PUNCT
bjmsr-2280	64	9	they	they	PRON
bjmsr-2280	64	10	are	be	AUX
bjmsr-2280	64	11	more	more	ADV
bjmsr-2280	64	12	likely	likely	ADJ
bjmsr-2280	64	13	to	to	PART
bjmsr-2280	64	14	allocate	allocate	VERB
bjmsr-2280	64	15	resources	resource	NOUN
bjmsr-2280	64	16	to	to	ADP
bjmsr-2280	64	17	its	its	PRON
bjmsr-2280	64	18	causes	cause	NOUN
bjmsr-2280	64	19	or	or	CCONJ
bjmsr-2280	64	20	initiatives	initiative	NOUN
bjmsr-2280	64	21	.	.	PUNCT
bjmsr-2280	65	1	according	accord	VERB
bjmsr-2280	65	2	to	to	ADP
bjmsr-2280	65	3	becker	becker	PROPN
bjmsr-2280	65	4	(	(	PUNCT
bjmsr-2280	65	5	2018	2018	NUM
bjmsr-2280	65	6	)	)	PUNCT
bjmsr-2280	65	7	,	,	PUNCT
bjmsr-2280	65	8	trust	trust	NOUN
bjmsr-2280	65	9	is	be	AUX
bjmsr-2280	65	10	built	build	VERB
bjmsr-2280	65	11	upon	upon	SCONJ
bjmsr-2280	65	12	the	the	DET
bjmsr-2280	65	13	organization	organization	NOUN
bjmsr-2280	65	14	's	's	PART
bjmsr-2280	65	15	reputation	reputation	NOUN
bjmsr-2280	65	16	,	,	PUNCT
bjmsr-2280	65	17	transparency	transparency	NOUN
bjmsr-2280	65	18	in	in	ADP
bjmsr-2280	65	19	its	its	PRON
bjmsr-2280	65	20	operations	operation	NOUN
bjmsr-2280	65	21	,	,	PUNCT
bjmsr-2280	65	22	and	and	CCONJ
bjmsr-2280	65	23	ethical	ethical	ADJ
bjmsr-2280	65	24	conduct	conduct	NOUN
bjmsr-2280	65	25	in	in	ADP
bjmsr-2280	65	26	managing	manage	VERB
bjmsr-2280	65	27	donations	donation	NOUN
bjmsr-2280	65	28	.	.	PUNCT
bjmsr-2280	66	1	donors	donor	NOUN
bjmsr-2280	66	2	want	want	VERB
bjmsr-2280	66	3	assurance	assurance	NOUN
bjmsr-2280	66	4	that	that	SCONJ
bjmsr-2280	66	5	their	their	PRON
bjmsr-2280	66	6	contributions	contribution	NOUN
bjmsr-2280	66	7	will	will	AUX
bjmsr-2280	66	8	be	be	AUX
bjmsr-2280	66	9	used	use	VERB
bjmsr-2280	66	10	efficiently	efficiently	ADV
bjmsr-2280	66	11	and	and	CCONJ
bjmsr-2280	66	12	effectively	effectively	ADV
bjmsr-2280	66	13	for	for	ADP
bjmsr-2280	66	14	the	the	DET
bjmsr-2280	66	15	intended	intended	ADJ
bjmsr-2280	66	16	purpose	purpose	NOUN
bjmsr-2280	66	17	and	and	CCONJ
bjmsr-2280	66	18	that	that	SCONJ
bjmsr-2280	66	19	there	there	PRON
bjmsr-2280	66	20	will	will	AUX
bjmsr-2280	66	21	be	be	AUX
bjmsr-2280	66	22	accountability	accountability	NOUN
bjmsr-2280	66	23	in	in	ADP
bjmsr-2280	66	24	how	how	SCONJ
bjmsr-2280	66	25	funds	fund	NOUN
bjmsr-2280	66	26	are	be	AUX
bjmsr-2280	66	27	allocated	allocate	VERB
bjmsr-2280	66	28	.	.	PUNCT
bjmsr-2280	67	1	additionally	additionally	ADV
bjmsr-2280	67	2	,	,	PUNCT
bjmsr-2280	67	3	lau	lau	PROPN
bjmsr-2280	67	4	and	and	CCONJ
bjmsr-2280	67	5	cobb	cobb	PROPN
bjmsr-2280	67	6	(	(	PUNCT
bjmsr-2280	67	7	2010	2010	NUM
bjmsr-2280	67	8	)	)	PUNCT
bjmsr-2280	67	9	stress	stress	NOUN
bjmsr-2280	67	10	that	that	SCONJ
bjmsr-2280	67	11	trust	trust	NOUN
bjmsr-2280	67	12	extends	extend	VERB
bjmsr-2280	67	13	to	to	ADP
bjmsr-2280	67	14	the	the	DET
bjmsr-2280	67	15	organization	organization	NOUN
bjmsr-2280	67	16	's	's	PART
bjmsr-2280	67	17	ability	ability	NOUN
bjmsr-2280	67	18	to	to	PART
bjmsr-2280	67	19	deliver	deliver	VERB
bjmsr-2280	67	20	on	on	ADP
bjmsr-2280	67	21	its	its	PRON
bjmsr-2280	67	22	promises	promise	NOUN
bjmsr-2280	67	23	and	and	CCONJ
bjmsr-2280	67	24	make	make	VERB
bjmsr-2280	67	25	a	a	DET
bjmsr-2280	67	26	tangible	tangible	ADJ
bjmsr-2280	67	27	impact	impact	NOUN
bjmsr-2280	67	28	with	with	ADP
bjmsr-2280	67	29	the	the	DET
bjmsr-2280	67	30	donations	donation	NOUN
bjmsr-2280	67	31	received	receive	VERB
bjmsr-2280	67	32	,	,	PUNCT
bjmsr-2280	67	33	further	far	ADV
bjmsr-2280	67	34	strengthening	strengthen	VERB
bjmsr-2280	67	35	public	public	ADJ
bjmsr-2280	67	36	intention	intention	NOUN
bjmsr-2280	67	37	to	to	PART
bjmsr-2280	67	38	donate	donate	VERB
bjmsr-2280	67	39	.	.	PUNCT
bjmsr-2280	68	1	trust	trust	NOUN
bjmsr-2280	68	2	in	in	ADP
bjmsr-2280	68	3	zakat	zakat	PROPN
bjmsr-2280	68	4	institutions	institution	NOUN
bjmsr-2280	68	5	affects	affect	VERB
bjmsr-2280	68	6	zakat	zakat	PROPN
bjmsr-2280	68	7	payers	payer	NOUN
bjmsr-2280	68	8	'	'	PART
bjmsr-2280	68	9	intention	intention	NOUN
bjmsr-2280	68	10	to	to	PART
bjmsr-2280	68	11	pay	pay	VERB
bjmsr-2280	68	12	for	for	ADP
bjmsr-2280	68	13	and	and	CCONJ
bjmsr-2280	68	14	use	use	VERB
bjmsr-2280	68	15	online	online	ADJ
bjmsr-2280	68	16	zakat	zakat	NOUN
bjmsr-2280	68	17	payment	payment	NOUN
bjmsr-2280	68	18	services	service	NOUN
bjmsr-2280	68	19	.	.	PUNCT
bjmsr-2280	69	1	when	when	SCONJ
bjmsr-2280	69	2	rahman	rahman	PROPN
bjmsr-2280	69	3	et	et	PROPN
bjmsr-2280	69	4	al	al	PROPN
bjmsr-2280	69	5	.	.	PROPN
bjmsr-2280	69	6	,	,	PUNCT
bjmsr-2280	69	7	bangladesh	bangladesh	PROPN
bjmsr-2280	69	8	journal	journal	NOUN
bjmsr-2280	69	9	of	of	ADP
bjmsr-2280	69	10	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	69	11	scientific	scientific	ADJ
bjmsr-2280	69	12	research	research	NOUN
bjmsr-2280	69	13	10(1	10(1	NUM
bjmsr-2280	69	14	)	)	PUNCT
bjmsr-2280	69	15	(	(	PUNCT
bjmsr-2280	69	16	2025	2025	NUM
bjmsr-2280	69	17	)	)	PUNCT
bjmsr-2280	69	18	,	,	PUNCT
bjmsr-2280	69	19	1	1	NUM
bjmsr-2280	69	20	-	-	SYM
bjmsr-2280	69	21	10	10	NUM
bjmsr-2280	69	22	3	3	NUM
bjmsr-2280	69	23	people	people	NOUN
bjmsr-2280	69	24	have	have	VERB
bjmsr-2280	69	25	confidence	confidence	NOUN
bjmsr-2280	69	26	in	in	ADP
bjmsr-2280	69	27	these	these	DET
bjmsr-2280	69	28	institutions	institution	NOUN
bjmsr-2280	69	29	'	'	PART
bjmsr-2280	69	30	credibility	credibility	NOUN
bjmsr-2280	69	31	,	,	PUNCT
bjmsr-2280	69	32	transparency	transparency	NOUN
bjmsr-2280	69	33	,	,	PUNCT
bjmsr-2280	69	34	and	and	CCONJ
bjmsr-2280	69	35	ethical	ethical	ADJ
bjmsr-2280	69	36	conduct	conduct	NOUN
bjmsr-2280	69	37	,	,	PUNCT
bjmsr-2280	69	38	they	they	PRON
bjmsr-2280	69	39	are	be	AUX
bjmsr-2280	69	40	more	more	ADV
bjmsr-2280	69	41	likely	likely	ADJ
bjmsr-2280	69	42	to	to	PART
bjmsr-2280	69	43	embrace	embrace	VERB
bjmsr-2280	69	44	online	online	ADJ
bjmsr-2280	69	45	platforms	platform	NOUN
bjmsr-2280	69	46	for	for	ADP
bjmsr-2280	69	47	zakat	zakat	NOUN
bjmsr-2280	69	48	contributions	contribution	NOUN
bjmsr-2280	69	49	.	.	PUNCT
bjmsr-2280	70	1	in	in	ADP
bjmsr-2280	70	2	essence	essence	NOUN
bjmsr-2280	70	3	,	,	PUNCT
bjmsr-2280	70	4	trust	trust	NOUN
bjmsr-2280	70	5	forms	form	VERB
bjmsr-2280	70	6	the	the	DET
bjmsr-2280	70	7	bedrock	bedrock	NOUN
bjmsr-2280	70	8	upon	upon	SCONJ
bjmsr-2280	70	9	which	which	PRON
bjmsr-2280	70	10	individuals	individual	NOUN
bjmsr-2280	70	11	build	build	VERB
bjmsr-2280	70	12	their	their	PRON
bjmsr-2280	70	13	willingness	willingness	NOUN
bjmsr-2280	70	14	to	to	PART
bjmsr-2280	70	15	engage	engage	VERB
bjmsr-2280	70	16	with	with	ADP
bjmsr-2280	70	17	online	online	ADJ
bjmsr-2280	70	18	zakat	zakat	NOUN
bjmsr-2280	70	19	payment	payment	NOUN
bjmsr-2280	70	20	services	service	NOUN
bjmsr-2280	70	21	,	,	PUNCT
bjmsr-2280	70	22	knowing	know	VERB
bjmsr-2280	70	23	that	that	SCONJ
bjmsr-2280	70	24	their	their	PRON
bjmsr-2280	70	25	contributions	contribution	NOUN
bjmsr-2280	70	26	will	will	AUX
bjmsr-2280	70	27	be	be	AUX
bjmsr-2280	70	28	used	use	VERB
bjmsr-2280	70	29	for	for	ADP
bjmsr-2280	70	30	their	their	PRON
bjmsr-2280	70	31	intended	intend	VERB
bjmsr-2280	70	32	charitable	charitable	ADJ
bjmsr-2280	70	33	purposes	purpose	NOUN
bjmsr-2280	70	34	transparently	transparently	ADV
bjmsr-2280	70	35	and	and	CCONJ
bjmsr-2280	70	36	securely	securely	ADV
bjmsr-2280	70	37	.	.	PUNCT
bjmsr-2280	71	1	previous	previous	ADJ
bjmsr-2280	71	2	research	research	NOUN
bjmsr-2280	71	3	has	have	AUX
bjmsr-2280	71	4	consistently	consistently	ADV
bjmsr-2280	71	5	established	establish	VERB
bjmsr-2280	71	6	a	a	DET
bjmsr-2280	71	7	strong	strong	ADJ
bjmsr-2280	71	8	connection	connection	NOUN
bjmsr-2280	71	9	between	between	ADP
bjmsr-2280	71	10	trust	trust	NOUN
bjmsr-2280	71	11	and	and	CCONJ
bjmsr-2280	71	12	donation	donation	NOUN
bjmsr-2280	71	13	intention	intention	NOUN
bjmsr-2280	71	14	,	,	PUNCT
bjmsr-2280	71	15	as	as	SCONJ
bjmsr-2280	71	16	evidenced	evidence	VERB
bjmsr-2280	71	17	by	by	ADP
bjmsr-2280	71	18	several	several	ADJ
bjmsr-2280	71	19	studies	study	NOUN
bjmsr-2280	71	20	(	(	PUNCT
bjmsr-2280	71	21	bilgin	bilgin	NOUN
bjmsr-2280	71	22	&	&	CCONJ
bjmsr-2280	71	23	kethüda	kethüda	NOUN
bjmsr-2280	71	24	,	,	PUNCT
bjmsr-2280	71	25	2022	2022	NUM
bjmsr-2280	71	26	;	;	PUNCT
bjmsr-2280	71	27	chen	chen	PROPN
bjmsr-2280	71	28	et	et	PROPN
bjmsr-2280	71	29	al	al	PROPN
bjmsr-2280	71	30	.	.	PROPN
bjmsr-2280	71	31	,	,	PUNCT
bjmsr-2280	71	32	2019	2019	NUM
bjmsr-2280	71	33	;	;	PUNCT
bjmsr-2280	71	34	beldad	beldad	PROPN
bjmsr-2280	71	35	et	et	PROPN
bjmsr-2280	71	36	al	al	PROPN
bjmsr-2280	71	37	.	.	PROPN
bjmsr-2280	71	38	,	,	PUNCT
bjmsr-2280	71	39	2014	2014	NUM
bjmsr-2280	71	40	;	;	PUNCT
bjmsr-2280	71	41	li	li	PROPN
bjmsr-2280	71	42	et	et	PROPN
bjmsr-2280	71	43	al	al	PROPN
bjmsr-2280	71	44	.	.	PROPN
bjmsr-2280	71	45	,	,	PUNCT
bjmsr-2280	71	46	2022	2022	NUM
bjmsr-2280	71	47	)	)	PUNCT
bjmsr-2280	71	48	.	.	PUNCT
bjmsr-2280	72	1	meanwhile	meanwhile	ADV
bjmsr-2280	72	2	,	,	PUNCT
bjmsr-2280	72	3	within	within	ADP
bjmsr-2280	72	4	the	the	DET
bjmsr-2280	72	5	domain	domain	NOUN
bjmsr-2280	72	6	of	of	ADP
bjmsr-2280	72	7	zakat	zakat	PROPN
bjmsr-2280	72	8	research	research	NOUN
bjmsr-2280	72	9	,	,	PUNCT
bjmsr-2280	72	10	a	a	DET
bjmsr-2280	72	11	literature	literature	NOUN
bjmsr-2280	72	12	review	review	NOUN
bjmsr-2280	72	13	indicates	indicate	VERB
bjmsr-2280	72	14	that	that	SCONJ
bjmsr-2280	72	15	trust	trust	NOUN
bjmsr-2280	72	16	in	in	ADP
bjmsr-2280	72	17	zakat	zakat	PROPN
bjmsr-2280	72	18	institutions	institution	NOUN
bjmsr-2280	72	19	significantly	significantly	ADV
bjmsr-2280	72	20	influences	influence	VERB
bjmsr-2280	72	21	the	the	DET
bjmsr-2280	72	22	intentions	intention	NOUN
bjmsr-2280	72	23	of	of	ADP
bjmsr-2280	72	24	zakat	zakat	NOUN
bjmsr-2280	72	25	payers	payer	NOUN
bjmsr-2280	72	26	to	to	PART
bjmsr-2280	72	27	make	make	VERB
bjmsr-2280	72	28	contributions	contribution	NOUN
bjmsr-2280	72	29	through	through	ADP
bjmsr-2280	72	30	traditional	traditional	ADJ
bjmsr-2280	72	31	means	mean	NOUN
bjmsr-2280	72	32	(	(	PUNCT
bjmsr-2280	72	33	ali	ali	PROPN
bjmsr-2280	72	34	et	et	PROPN
bjmsr-2280	72	35	al	al	PROPN
bjmsr-2280	72	36	.	.	PROPN
bjmsr-2280	72	37	,	,	PUNCT
bjmsr-2280	72	38	2020	2020	NUM
bjmsr-2280	72	39	)	)	PUNCT
bjmsr-2280	72	40	.	.	PUNCT
bjmsr-2280	73	1	however	however	ADV
bjmsr-2280	73	2	,	,	PUNCT
bjmsr-2280	73	3	none	none	NOUN
bjmsr-2280	73	4	of	of	ADP
bjmsr-2280	73	5	these	these	DET
bjmsr-2280	73	6	studies	study	NOUN
bjmsr-2280	73	7	have	have	AUX
bjmsr-2280	73	8	delved	delve	VERB
bjmsr-2280	73	9	into	into	ADP
bjmsr-2280	73	10	how	how	SCONJ
bjmsr-2280	73	11	trust	trust	NOUN
bjmsr-2280	73	12	in	in	ADP
bjmsr-2280	73	13	zakat	zakat	PROPN
bjmsr-2280	73	14	institutions	institution	NOUN
bjmsr-2280	73	15	affects	affect	VERB
bjmsr-2280	73	16	the	the	DET
bjmsr-2280	73	17	intentions	intention	NOUN
bjmsr-2280	73	18	of	of	ADP
bjmsr-2280	73	19	zakat	zakat	NOUN
bjmsr-2280	73	20	payers	payer	NOUN
bjmsr-2280	73	21	to	to	PART
bjmsr-2280	73	22	embrace	embrace	VERB
bjmsr-2280	73	23	online	online	ADJ
bjmsr-2280	73	24	zakat	zakat	NOUN
bjmsr-2280	73	25	services	service	NOUN
bjmsr-2280	73	26	for	for	ADP
bjmsr-2280	73	27	their	their	PRON
bjmsr-2280	73	28	contributions	contribution	NOUN
bjmsr-2280	73	29	,	,	PUNCT
bjmsr-2280	73	30	as	as	SCONJ
bjmsr-2280	73	31	most	most	ADJ
bjmsr-2280	73	32	of	of	ADP
bjmsr-2280	73	33	them	they	PRON
bjmsr-2280	73	34	have	have	AUX
bjmsr-2280	73	35	solely	solely	ADV
bjmsr-2280	73	36	explored	explore	VERB
bjmsr-2280	73	37	the	the	DET
bjmsr-2280	73	38	impact	impact	NOUN
bjmsr-2280	73	39	of	of	ADP
bjmsr-2280	73	40	trust	trust	NOUN
bjmsr-2280	73	41	on	on	ADP
bjmsr-2280	73	42	technology	technology	NOUN
bjmsr-2280	73	43	.	.	PUNCT
bjmsr-2280	74	1	consequently	consequently	ADV
bjmsr-2280	74	2	,	,	PUNCT
bjmsr-2280	74	3	building	build	VERB
bjmsr-2280	74	4	on	on	ADP
bjmsr-2280	74	5	the	the	DET
bjmsr-2280	74	6	discussion	discussion	NOUN
bjmsr-2280	74	7	above	above	ADP
bjmsr-2280	74	8	,	,	PUNCT
bjmsr-2280	74	9	this	this	DET
bjmsr-2280	74	10	study	study	NOUN
bjmsr-2280	74	11	puts	put	VERB
bjmsr-2280	74	12	forth	forth	ADP
bjmsr-2280	74	13	the	the	DET
bjmsr-2280	74	14	following	follow	VERB
bjmsr-2280	74	15	hypothesis	hypothesis	NOUN
bjmsr-2280	74	16	.	.	PUNCT
bjmsr-2280	75	1	h2	h2	NOUN
bjmsr-2280	75	2	:	:	PUNCT
bjmsr-2280	75	3	trust	trust	NOUN
bjmsr-2280	75	4	in	in	ADP
bjmsr-2280	75	5	zakat	zakat	NOUN
bjmsr-2280	75	6	institutions	institution	NOUN
bjmsr-2280	75	7	has	have	VERB
bjmsr-2280	75	8	a	a	DET
bjmsr-2280	75	9	significant	significant	ADJ
bjmsr-2280	75	10	positive	positive	ADJ
bjmsr-2280	75	11	effect	effect	NOUN
bjmsr-2280	75	12	on	on	ADP
bjmsr-2280	75	13	the	the	DET
bjmsr-2280	75	14	intention	intention	NOUN
bjmsr-2280	75	15	to	to	PART
bjmsr-2280	75	16	use	use	VERB
bjmsr-2280	75	17	online	online	ADJ
bjmsr-2280	75	18	zakat	zakat	NOUN
bjmsr-2280	75	19	payment	payment	NOUN
bjmsr-2280	75	20	.	.	PUNCT
bjmsr-2280	76	1	zakat	zakat	NOUN
bjmsr-2280	76	2	literacy	literacy	NOUN
bjmsr-2280	76	3	and	and	CCONJ
bjmsr-2280	76	4	online	online	ADJ
bjmsr-2280	76	5	zakat	zakat	NOUN
bjmsr-2280	76	6	payment	payment	NOUN
bjmsr-2280	76	7	usage	usage	NOUN
bjmsr-2280	76	8	intention	intention	NOUN
bjmsr-2280	76	9	literacy	literacy	NOUN
bjmsr-2280	76	10	is	be	AUX
bjmsr-2280	76	11	characterized	characterize	VERB
bjmsr-2280	76	12	as	as	ADP
bjmsr-2280	76	13	the	the	DET
bjmsr-2280	76	14	capability	capability	NOUN
bjmsr-2280	76	15	to	to	PART
bjmsr-2280	76	16	possess	possess	VERB
bjmsr-2280	76	17	knowledge	knowledge	NOUN
bjmsr-2280	76	18	and	and	CCONJ
bjmsr-2280	76	19	comprehension	comprehension	NOUN
bjmsr-2280	76	20	of	of	ADP
bjmsr-2280	76	21	a	a	DET
bjmsr-2280	76	22	subject	subject	NOUN
bjmsr-2280	76	23	,	,	PUNCT
bjmsr-2280	76	24	transforming	transform	VERB
bjmsr-2280	76	25	one	one	NOUN
bjmsr-2280	76	26	's	's	PART
bjmsr-2280	76	27	behavior	behavior	NOUN
bjmsr-2280	76	28	and	and	CCONJ
bjmsr-2280	76	29	decision	decision	NOUN
bjmsr-2280	76	30	-	-	PUNCT
bjmsr-2280	76	31	making	making	NOUN
bjmsr-2280	76	32	(	(	PUNCT
bjmsr-2280	76	33	antara	antara	NOUN
bjmsr-2280	76	34	et	et	PROPN
bjmsr-2280	76	35	al	al	PROPN
bjmsr-2280	76	36	.	.	PROPN
bjmsr-2280	76	37	,	,	PUNCT
bjmsr-2280	76	38	2016	2016	NUM
bjmsr-2280	76	39	)	)	PUNCT
bjmsr-2280	76	40	.	.	PUNCT
bjmsr-2280	77	1	in	in	ADP
bjmsr-2280	77	2	the	the	DET
bjmsr-2280	77	3	context	context	NOUN
bjmsr-2280	77	4	of	of	ADP
bjmsr-2280	77	5	zakat	zakat	NOUN
bjmsr-2280	77	6	,	,	PUNCT
bjmsr-2280	77	7	yusfiarto	yusfiarto	PROPN
bjmsr-2280	77	8	et	et	PROPN
bjmsr-2280	77	9	al	al	PROPN
bjmsr-2280	77	10	.	.	PROPN
bjmsr-2280	78	1	(	(	PUNCT
bjmsr-2280	78	2	2020	2020	NUM
bjmsr-2280	78	3	)	)	PUNCT
bjmsr-2280	78	4	elaborate	elaborate	ADJ
bjmsr-2280	78	5	on	on	ADP
bjmsr-2280	78	6	zakat	zakat	NOUN
bjmsr-2280	78	7	literacy	literacy	NOUN
bjmsr-2280	78	8	,	,	PUNCT
bjmsr-2280	78	9	defining	define	VERB
bjmsr-2280	78	10	it	it	PRON
bjmsr-2280	78	11	as	as	ADP
bjmsr-2280	78	12	an	an	DET
bjmsr-2280	78	13	individual	individual	NOUN
bjmsr-2280	78	14	's	's	PART
bjmsr-2280	78	15	proficiency	proficiency	NOUN
bjmsr-2280	78	16	in	in	ADP
bjmsr-2280	78	17	reading	reading	NOUN
bjmsr-2280	78	18	,	,	PUNCT
bjmsr-2280	78	19	understanding	understanding	NOUN
bjmsr-2280	78	20	,	,	PUNCT
bjmsr-2280	78	21	calculating	calculate	VERB
bjmsr-2280	78	22	,	,	PUNCT
bjmsr-2280	78	23	and	and	CCONJ
bjmsr-2280	78	24	accessing	access	VERB
bjmsr-2280	78	25	information	information	NOUN
bjmsr-2280	78	26	related	relate	VERB
bjmsr-2280	78	27	to	to	ADP
bjmsr-2280	78	28	zakat	zakat	NOUN
bjmsr-2280	78	29	,	,	PUNCT
bjmsr-2280	78	30	ultimately	ultimately	ADV
bjmsr-2280	78	31	results	result	VERB
bjmsr-2280	78	32	in	in	ADP
bjmsr-2280	78	33	an	an	DET
bjmsr-2280	78	34	increased	increase	VERB
bjmsr-2280	78	35	awareness	awareness	NOUN
bjmsr-2280	78	36	of	of	ADP
bjmsr-2280	78	37	and	and	CCONJ
bjmsr-2280	78	38	willingness	willingness	NOUN
bjmsr-2280	78	39	to	to	PART
bjmsr-2280	78	40	fulfill	fulfill	VERB
bjmsr-2280	78	41	zakat	zakat	NOUN
bjmsr-2280	78	42	obligations	obligation	NOUN
bjmsr-2280	78	43	.	.	PUNCT
bjmsr-2280	79	1	regarding	regard	VERB
bjmsr-2280	79	2	online	online	PROPN
bjmsr-2280	79	3	zakat	zakat	PROPN
bjmsr-2280	79	4	service	service	NOUN
bjmsr-2280	79	5	,	,	PUNCT
bjmsr-2280	79	6	zakat	zakat	NOUN
bjmsr-2280	79	7	literacy	literacy	NOUN
bjmsr-2280	79	8	is	be	AUX
bjmsr-2280	79	9	more	more	ADV
bjmsr-2280	79	10	likely	likely	ADJ
bjmsr-2280	79	11	to	to	PART
bjmsr-2280	79	12	influence	influence	VERB
bjmsr-2280	79	13	individuals	individual	NOUN
bjmsr-2280	79	14	'	'	PART
bjmsr-2280	79	15	intention	intention	NOUN
bjmsr-2280	79	16	to	to	PART
bjmsr-2280	79	17	use	use	VERB
bjmsr-2280	79	18	e	e	NOUN
bjmsr-2280	79	19	-	-	NOUN
bjmsr-2280	79	20	zakat	zakat	ADJ
bjmsr-2280	79	21	payment	payment	NOUN
bjmsr-2280	79	22	services	service	NOUN
bjmsr-2280	79	23	.	.	PUNCT
bjmsr-2280	80	1	when	when	SCONJ
bjmsr-2280	80	2	people	people	NOUN
bjmsr-2280	80	3	understand	understand	VERB
bjmsr-2280	80	4	the	the	DET
bjmsr-2280	80	5	principles	principle	NOUN
bjmsr-2280	80	6	and	and	CCONJ
bjmsr-2280	80	7	importance	importance	NOUN
bjmsr-2280	80	8	of	of	ADP
bjmsr-2280	80	9	zakat	zakat	PROPN
bjmsr-2280	80	10	in	in	ADP
bjmsr-2280	80	11	islam	islam	PROPN
bjmsr-2280	80	12	and	and	CCONJ
bjmsr-2280	80	13	the	the	DET
bjmsr-2280	80	14	various	various	ADJ
bjmsr-2280	80	15	categories	category	NOUN
bjmsr-2280	80	16	of	of	ADP
bjmsr-2280	80	17	recipients	recipient	NOUN
bjmsr-2280	80	18	and	and	CCONJ
bjmsr-2280	80	19	calculation	calculation	NOUN
bjmsr-2280	80	20	methods	method	NOUN
bjmsr-2280	80	21	,	,	PUNCT
bjmsr-2280	80	22	they	they	PRON
bjmsr-2280	80	23	are	be	AUX
bjmsr-2280	80	24	more	more	ADV
bjmsr-2280	80	25	likely	likely	ADJ
bjmsr-2280	80	26	to	to	PART
bjmsr-2280	80	27	engage	engage	VERB
bjmsr-2280	80	28	in	in	ADP
bjmsr-2280	80	29	online	online	ADJ
bjmsr-2280	80	30	zakat	zakat	NOUN
bjmsr-2280	80	31	payments	payment	NOUN
bjmsr-2280	80	32	.	.	PUNCT
bjmsr-2280	81	1	a	a	DET
bjmsr-2280	81	2	higher	high	ADJ
bjmsr-2280	81	3	level	level	NOUN
bjmsr-2280	81	4	of	of	ADP
bjmsr-2280	81	5	zakat	zakat	NOUN
bjmsr-2280	81	6	literacy	literacy	NOUN
bjmsr-2280	81	7	enables	enable	VERB
bjmsr-2280	81	8	individuals	individual	NOUN
bjmsr-2280	81	9	to	to	PART
bjmsr-2280	81	10	effectively	effectively	ADV
bjmsr-2280	81	11	appreciate	appreciate	VERB
bjmsr-2280	81	12	the	the	DET
bjmsr-2280	81	13	significance	significance	NOUN
bjmsr-2280	81	14	of	of	ADP
bjmsr-2280	81	15	fulfilling	fulfil	VERB
bjmsr-2280	81	16	their	their	PRON
bjmsr-2280	81	17	religious	religious	ADJ
bjmsr-2280	81	18	obligation	obligation	NOUN
bjmsr-2280	81	19	and	and	CCONJ
bjmsr-2280	81	20	contributing	contribute	VERB
bjmsr-2280	81	21	to	to	ADP
bjmsr-2280	81	22	charitable	charitable	ADJ
bjmsr-2280	81	23	causes	cause	NOUN
bjmsr-2280	81	24	.	.	PUNCT
bjmsr-2280	82	1	moreover	moreover	ADV
bjmsr-2280	82	2	,	,	PUNCT
bjmsr-2280	82	3	those	those	PRON
bjmsr-2280	82	4	with	with	ADP
bjmsr-2280	82	5	zakat	zakat	NOUN
bjmsr-2280	82	6	literacy	literacy	NOUN
bjmsr-2280	82	7	are	be	AUX
bjmsr-2280	82	8	better	well	ADV
bjmsr-2280	82	9	equipped	equip	VERB
bjmsr-2280	82	10	to	to	PART
bjmsr-2280	82	11	navigate	navigate	VERB
bjmsr-2280	82	12	online	online	ADJ
bjmsr-2280	82	13	zakat	zakat	NOUN
bjmsr-2280	82	14	platforms	platform	NOUN
bjmsr-2280	82	15	,	,	PUNCT
bjmsr-2280	82	16	understand	understand	VERB
bjmsr-2280	82	17	the	the	DET
bjmsr-2280	82	18	transparency	transparency	NOUN
bjmsr-2280	82	19	of	of	ADP
bjmsr-2280	82	20	fund	fund	NOUN
bjmsr-2280	82	21	allocation	allocation	NOUN
bjmsr-2280	82	22	,	,	PUNCT
bjmsr-2280	82	23	and	and	CCONJ
bjmsr-2280	82	24	trust	trust	VERB
bjmsr-2280	82	25	that	that	SCONJ
bjmsr-2280	82	26	their	their	PRON
bjmsr-2280	82	27	contributions	contribution	NOUN
bjmsr-2280	82	28	will	will	AUX
bjmsr-2280	82	29	be	be	AUX
bjmsr-2280	82	30	utilized	utilize	VERB
bjmsr-2280	82	31	appropriately	appropriately	ADV
bjmsr-2280	82	32	.	.	PUNCT
bjmsr-2280	83	1	as	as	ADP
bjmsr-2280	83	2	a	a	DET
bjmsr-2280	83	3	result	result	NOUN
bjmsr-2280	83	4	,	,	PUNCT
bjmsr-2280	83	5	zakat	zakat	NOUN
bjmsr-2280	83	6	literacy	literacy	NOUN
bjmsr-2280	83	7	fosters	foster	VERB
bjmsr-2280	83	8	a	a	DET
bjmsr-2280	83	9	sense	sense	NOUN
bjmsr-2280	83	10	of	of	ADP
bjmsr-2280	83	11	confidence	confidence	NOUN
bjmsr-2280	83	12	and	and	CCONJ
bjmsr-2280	83	13	comfort	comfort	NOUN
bjmsr-2280	83	14	in	in	ADP
bjmsr-2280	83	15	using	use	VERB
bjmsr-2280	83	16	ezakat	ezakat	PROPN
bjmsr-2280	83	17	payment	payment	NOUN
bjmsr-2280	83	18	services	service	NOUN
bjmsr-2280	83	19	,	,	PUNCT
bjmsr-2280	83	20	enhancing	enhance	VERB
bjmsr-2280	83	21	the	the	DET
bjmsr-2280	83	22	intention	intention	NOUN
bjmsr-2280	83	23	to	to	PART
bjmsr-2280	83	24	participate	participate	VERB
bjmsr-2280	83	25	and	and	CCONJ
bjmsr-2280	83	26	contribute	contribute	VERB
bjmsr-2280	83	27	to	to	ADP
bjmsr-2280	83	28	the	the	DET
bjmsr-2280	83	29	welfare	welfare	NOUN
bjmsr-2280	83	30	of	of	ADP
bjmsr-2280	83	31	those	those	PRON
bjmsr-2280	83	32	in	in	ADP
bjmsr-2280	83	33	need	need	NOUN
bjmsr-2280	83	34	in	in	ADP
bjmsr-2280	83	35	a	a	DET
bjmsr-2280	83	36	meaningful	meaningful	ADJ
bjmsr-2280	83	37	and	and	CCONJ
bjmsr-2280	83	38	informed	informed	ADJ
bjmsr-2280	83	39	manner	manner	NOUN
bjmsr-2280	83	40	.	.	PUNCT
bjmsr-2280	84	1	previous	previous	ADJ
bjmsr-2280	84	2	studies	study	NOUN
bjmsr-2280	84	3	have	have	AUX
bjmsr-2280	84	4	identified	identify	VERB
bjmsr-2280	84	5	a	a	DET
bjmsr-2280	84	6	significant	significant	ADJ
bjmsr-2280	84	7	correlation	correlation	NOUN
bjmsr-2280	84	8	between	between	ADP
bjmsr-2280	84	9	zakat	zakat	NOUN
bjmsr-2280	84	10	literacy	literacy	NOUN
bjmsr-2280	84	11	and	and	CCONJ
bjmsr-2280	84	12	the	the	DET
bjmsr-2280	84	13	intention	intention	NOUN
bjmsr-2280	84	14	to	to	PART
bjmsr-2280	84	15	adopt	adopt	VERB
bjmsr-2280	84	16	online	online	ADJ
bjmsr-2280	84	17	zakat	zakat	NOUN
bjmsr-2280	84	18	services	service	NOUN
bjmsr-2280	84	19	and	and	CCONJ
bjmsr-2280	84	20	actual	actual	ADJ
bjmsr-2280	84	21	behavior	behavior	NOUN
bjmsr-2280	84	22	in	in	ADP
bjmsr-2280	84	23	indonesia	indonesia	PROPN
bjmsr-2280	84	24	.	.	PUNCT
bjmsr-2280	85	1	for	for	ADP
bjmsr-2280	85	2	instance	instance	NOUN
bjmsr-2280	85	3	,	,	PUNCT
bjmsr-2280	85	4	kasri	kasri	PROPN
bjmsr-2280	85	5	and	and	CCONJ
bjmsr-2280	85	6	yuniar	yuniar	NOUN
bjmsr-2280	85	7	(	(	PUNCT
bjmsr-2280	85	8	2021	2021	NUM
bjmsr-2280	85	9	)	)	PUNCT
bjmsr-2280	85	10	explored	explore	VERB
bjmsr-2280	85	11	the	the	DET
bjmsr-2280	85	12	impact	impact	NOUN
bjmsr-2280	85	13	of	of	ADP
bjmsr-2280	85	14	zakat	zakat	NOUN
bjmsr-2280	85	15	literacy	literacy	NOUN
bjmsr-2280	85	16	on	on	ADP
bjmsr-2280	85	17	the	the	DET
bjmsr-2280	85	18	inclination	inclination	NOUN
bjmsr-2280	85	19	of	of	ADP
bjmsr-2280	85	20	indonesian	indonesian	ADJ
bjmsr-2280	85	21	muslims	muslims	PROPN
bjmsr-2280	85	22	to	to	PART
bjmsr-2280	85	23	use	use	VERB
bjmsr-2280	85	24	online	online	ADJ
bjmsr-2280	85	25	platforms	platform	NOUN
bjmsr-2280	85	26	for	for	ADP
bjmsr-2280	85	27	zakat	zakat	NOUN
bjmsr-2280	85	28	payments	payment	NOUN
bjmsr-2280	85	29	.	.	PUNCT
bjmsr-2280	86	1	with	with	ADP
bjmsr-2280	86	2	a	a	DET
bjmsr-2280	86	3	sample	sample	NOUN
bjmsr-2280	86	4	size	size	NOUN
bjmsr-2280	86	5	of	of	ADP
bjmsr-2280	86	6	223	223	NUM
bjmsr-2280	86	7	respondents	respondent	NOUN
bjmsr-2280	86	8	,	,	PUNCT
bjmsr-2280	86	9	the	the	DET
bjmsr-2280	86	10	findings	finding	NOUN
bjmsr-2280	86	11	supported	support	VERB
bjmsr-2280	86	12	a	a	DET
bjmsr-2280	86	13	positive	positive	ADJ
bjmsr-2280	86	14	association	association	NOUN
bjmsr-2280	86	15	between	between	ADP
bjmsr-2280	86	16	zakat	zakat	NOUN
bjmsr-2280	86	17	literacy	literacy	NOUN
bjmsr-2280	86	18	and	and	CCONJ
bjmsr-2280	86	19	the	the	DET
bjmsr-2280	86	20	intention	intention	NOUN
bjmsr-2280	86	21	of	of	ADP
bjmsr-2280	86	22	zakat	zakat	NOUN
bjmsr-2280	86	23	payers	payer	NOUN
bjmsr-2280	86	24	to	to	PART
bjmsr-2280	86	25	utilize	utilize	VERB
bjmsr-2280	86	26	online	online	ADJ
bjmsr-2280	86	27	zakat	zakat	NOUN
bjmsr-2280	86	28	platforms	platform	NOUN
bjmsr-2280	86	29	.	.	PUNCT
bjmsr-2280	87	1	similarly	similarly	ADV
bjmsr-2280	87	2	,	,	PUNCT
bjmsr-2280	87	3	kasri	kasri	ADJ
bjmsr-2280	87	4	and	and	CCONJ
bjmsr-2280	87	5	sosianti	sosianti	NOUN
bjmsr-2280	87	6	(	(	PUNCT
bjmsr-2280	87	7	2023	2023	NUM
bjmsr-2280	87	8	)	)	PUNCT
bjmsr-2280	87	9	observed	observe	VERB
bjmsr-2280	87	10	a	a	DET
bjmsr-2280	87	11	robust	robust	ADJ
bjmsr-2280	87	12	connection	connection	NOUN
bjmsr-2280	87	13	between	between	ADP
bjmsr-2280	87	14	zakat	zakat	NOUN
bjmsr-2280	87	15	literacy	literacy	NOUN
bjmsr-2280	87	16	and	and	CCONJ
bjmsr-2280	87	17	the	the	DET
bjmsr-2280	87	18	intention	intention	NOUN
bjmsr-2280	87	19	to	to	PART
bjmsr-2280	87	20	adopt	adopt	VERB
bjmsr-2280	87	21	online	online	ADJ
bjmsr-2280	87	22	zakat	zakat	NOUN
bjmsr-2280	87	23	services	service	NOUN
bjmsr-2280	87	24	among	among	ADP
bjmsr-2280	87	25	zakat	zakat	NOUN
bjmsr-2280	87	26	payers	payer	NOUN
bjmsr-2280	87	27	.	.	PUNCT
bjmsr-2280	88	1	building	build	VERB
bjmsr-2280	88	2	on	on	ADP
bjmsr-2280	88	3	this	this	DET
bjmsr-2280	88	4	context	context	NOUN
bjmsr-2280	88	5	,	,	PUNCT
bjmsr-2280	88	6	the	the	DET
bjmsr-2280	88	7	present	present	ADJ
bjmsr-2280	88	8	study	study	NOUN
bjmsr-2280	88	9	seeks	seek	VERB
bjmsr-2280	88	10	to	to	PART
bjmsr-2280	88	11	reassess	reassess	VERB
bjmsr-2280	88	12	this	this	DET
bjmsr-2280	88	13	relationship	relationship	NOUN
bjmsr-2280	88	14	in	in	ADP
bjmsr-2280	88	15	a	a	DET
bjmsr-2280	88	16	different	different	ADJ
bjmsr-2280	88	17	research	research	NOUN
bjmsr-2280	88	18	setting	setting	NOUN
bjmsr-2280	88	19	,	,	PUNCT
bjmsr-2280	88	20	namely	namely	ADV
bjmsr-2280	88	21	malaysia	malaysia	PROPN
bjmsr-2280	88	22	,	,	PUNCT
bjmsr-2280	88	23	and	and	CCONJ
bjmsr-2280	88	24	puts	put	VERB
bjmsr-2280	88	25	forth	forth	ADP
bjmsr-2280	88	26	the	the	DET
bjmsr-2280	88	27	following	follow	VERB
bjmsr-2280	88	28	hypothesis	hypothesis	NOUN
bjmsr-2280	88	29	:	:	PUNCT
bjmsr-2280	88	30	h3	h3	NOUN
bjmsr-2280	88	31	:	:	PUNCT
bjmsr-2280	88	32	zakat	zakat	NOUN
bjmsr-2280	88	33	literacy	literacy	NOUN
bjmsr-2280	88	34	has	have	VERB
bjmsr-2280	88	35	a	a	DET
bjmsr-2280	88	36	significant	significant	ADJ
bjmsr-2280	88	37	positive	positive	ADJ
bjmsr-2280	88	38	effect	effect	NOUN
bjmsr-2280	88	39	on	on	ADP
bjmsr-2280	88	40	online	online	ADJ
bjmsr-2280	88	41	zakat	zakat	NOUN
bjmsr-2280	88	42	payment	payment	NOUN
bjmsr-2280	88	43	usage	usage	NOUN
bjmsr-2280	88	44	intention	intention	NOUN
bjmsr-2280	88	45	prior	prior	ADJ
bjmsr-2280	88	46	experience	experience	NOUN
bjmsr-2280	88	47	and	and	CCONJ
bjmsr-2280	88	48	online	online	ADJ
bjmsr-2280	88	49	zakat	zakat	NOUN
bjmsr-2280	88	50	payment	payment	NOUN
bjmsr-2280	88	51	usage	usage	NOUN
bjmsr-2280	88	52	intention	intention	NOUN
bjmsr-2280	88	53	ouellette	ouellette	NOUN
bjmsr-2280	88	54	and	and	CCONJ
bjmsr-2280	88	55	wood	wood	NOUN
bjmsr-2280	88	56	(	(	PUNCT
bjmsr-2280	88	57	1998	1998	NUM
bjmsr-2280	88	58	)	)	PUNCT
bjmsr-2280	88	59	highlight	highlight	VERB
bjmsr-2280	88	60	the	the	DET
bjmsr-2280	88	61	role	role	NOUN
bjmsr-2280	88	62	of	of	ADP
bjmsr-2280	88	63	experience	experience	NOUN
bjmsr-2280	88	64	in	in	ADP
bjmsr-2280	88	65	predicting	predict	VERB
bjmsr-2280	88	66	future	future	ADJ
bjmsr-2280	88	67	intentions	intention	NOUN
bjmsr-2280	88	68	and	and	CCONJ
bjmsr-2280	88	69	behavior	behavior	NOUN
bjmsr-2280	88	70	.	.	PUNCT
bjmsr-2280	89	1	indeed	indeed	ADV
bjmsr-2280	89	2	,	,	PUNCT
bjmsr-2280	89	3	ajzen	ajzen	NOUN
bjmsr-2280	89	4	and	and	CCONJ
bjmsr-2280	89	5	fishbein	fishbein	ADJ
bjmsr-2280	89	6	(	(	PUNCT
bjmsr-2280	89	7	2000	2000	NUM
bjmsr-2280	89	8	)	)	PUNCT
bjmsr-2280	89	9	emphasize	emphasize	VERB
bjmsr-2280	89	10	that	that	SCONJ
bjmsr-2280	89	11	prior	prior	ADJ
bjmsr-2280	89	12	experience	experience	NOUN
bjmsr-2280	89	13	significantly	significantly	ADV
bjmsr-2280	89	14	influences	influence	VERB
bjmsr-2280	89	15	behavior	behavior	NOUN
bjmsr-2280	89	16	.	.	PUNCT
bjmsr-2280	90	1	this	this	PRON
bjmsr-2280	90	2	is	be	AUX
bjmsr-2280	90	3	because	because	SCONJ
bjmsr-2280	90	4	knowledge	knowledge	NOUN
bjmsr-2280	90	5	acquired	acquire	VERB
bjmsr-2280	90	6	from	from	ADP
bjmsr-2280	90	7	past	past	ADJ
bjmsr-2280	90	8	actions	action	NOUN
bjmsr-2280	90	9	helps	help	VERB
bjmsr-2280	90	10	to	to	PART
bjmsr-2280	90	11	shape	shape	VERB
bjmsr-2280	90	12	intentions	intention	NOUN
bjmsr-2280	90	13	(	(	PUNCT
bjmsr-2280	90	14	eagly	eagly	ADV
bjmsr-2280	90	15	&	&	CCONJ
bjmsr-2280	90	16	chaiken	chaiken	VERB
bjmsr-2280	90	17	,	,	PUNCT
bjmsr-2280	90	18	2007	2007	NUM
bjmsr-2280	90	19	)	)	PUNCT
bjmsr-2280	90	20	,	,	PUNCT
bjmsr-2280	90	21	as	as	SCONJ
bjmsr-2280	90	22	experience	experience	NOUN
bjmsr-2280	90	23	enhances	enhance	VERB
bjmsr-2280	90	24	the	the	DET
bjmsr-2280	90	25	accessibility	accessibility	NOUN
bjmsr-2280	90	26	of	of	ADP
bjmsr-2280	90	27	that	that	DET
bjmsr-2280	90	28	knowledge	knowledge	NOUN
bjmsr-2280	90	29	in	in	ADP
bjmsr-2280	90	30	memory	memory	NOUN
bjmsr-2280	90	31	(	(	PUNCT
bjmsr-2280	90	32	fazio	fazio	PROPN
bjmsr-2280	90	33	&	&	CCONJ
bjmsr-2280	90	34	zanna	zanna	PROPN
bjmsr-2280	90	35	,	,	PUNCT
bjmsr-2280	90	36	1978	1978	NUM
bjmsr-2280	90	37	)	)	PUNCT
bjmsr-2280	90	38	.	.	PUNCT
bjmsr-2280	91	1	further	far	ADV
bjmsr-2280	91	2	,	,	PUNCT
bjmsr-2280	91	3	about	about	ADP
bjmsr-2280	91	4	the	the	DET
bjmsr-2280	91	5	technology	technology	NOUN
bjmsr-2280	91	6	adoption	adoption	NOUN
bjmsr-2280	91	7	intention	intention	NOUN
bjmsr-2280	91	8	and	and	CCONJ
bjmsr-2280	91	9	behaviour	behaviour	NOUN
bjmsr-2280	91	10	.	.	PUNCT
bjmsr-2280	92	1	chua	chua	PROPN
bjmsr-2280	92	2	et	et	PROPN
bjmsr-2280	92	3	al	al	PROPN
bjmsr-2280	92	4	.	.	PROPN
bjmsr-2280	92	5	(	(	PUNCT
bjmsr-2280	92	6	1999	1999	NUM
bjmsr-2280	92	7	)	)	PUNCT
bjmsr-2280	92	8	propose	propose	VERB
bjmsr-2280	92	9	that	that	SCONJ
bjmsr-2280	92	10	consumers	consumer	NOUN
bjmsr-2280	92	11	'	'	PART
bjmsr-2280	92	12	anxiety	anxiety	NOUN
bjmsr-2280	92	13	levels	level	NOUN
bjmsr-2280	92	14	regarding	regard	VERB
bjmsr-2280	92	15	technology	technology	NOUN
bjmsr-2280	92	16	are	be	AUX
bjmsr-2280	92	17	generally	generally	ADV
bjmsr-2280	92	18	inversely	inversely	ADV
bjmsr-2280	92	19	related	relate	VERB
bjmsr-2280	92	20	to	to	ADP
bjmsr-2280	92	21	their	their	PRON
bjmsr-2280	92	22	experience	experience	NOUN
bjmsr-2280	92	23	,	,	PUNCT
bjmsr-2280	92	24	which	which	PRON
bjmsr-2280	92	25	ultimately	ultimately	ADV
bjmsr-2280	92	26	enhances	enhance	VERB
bjmsr-2280	92	27	technology	technology	NOUN
bjmsr-2280	92	28	usage	usage	NOUN
bjmsr-2280	92	29	.	.	PUNCT
bjmsr-2280	93	1	this	this	DET
bjmsr-2280	93	2	argument	argument	NOUN
bjmsr-2280	93	3	seems	seem	VERB
bjmsr-2280	93	4	in	in	ADP
bjmsr-2280	93	5	line	line	NOUN
bjmsr-2280	93	6	with	with	ADP
bjmsr-2280	93	7	the	the	DET
bjmsr-2280	93	8	empirical	empirical	ADJ
bjmsr-2280	93	9	studies	study	NOUN
bjmsr-2280	93	10	.	.	PUNCT
bjmsr-2280	94	1	for	for	ADP
bjmsr-2280	94	2	example	example	NOUN
bjmsr-2280	94	3	,	,	PUNCT
bjmsr-2280	94	4	kwon	kwon	PROPN
bjmsr-2280	94	5	and	and	CCONJ
bjmsr-2280	94	6	noh	noh	PROPN
bjmsr-2280	94	7	(	(	PUNCT
bjmsr-2280	94	8	2010	2010	NUM
bjmsr-2280	94	9	)	)	PUNCT
bjmsr-2280	94	10	investigated	investigate	VERB
bjmsr-2280	94	11	the	the	DET
bjmsr-2280	94	12	impact	impact	NOUN
bjmsr-2280	94	13	of	of	ADP
bjmsr-2280	94	14	past	past	ADJ
bjmsr-2280	94	15	online	online	ADJ
bjmsr-2280	94	16	shopping	shopping	NOUN
bjmsr-2280	94	17	experiences	experience	NOUN
bjmsr-2280	94	18	on	on	ADP
bjmsr-2280	94	19	the	the	DET
bjmsr-2280	94	20	online	online	ADJ
bjmsr-2280	94	21	apparel	apparel	NOUN
bjmsr-2280	94	22	purchase	purchase	NOUN
bjmsr-2280	94	23	intentions	intention	NOUN
bjmsr-2280	94	24	of	of	ADP
bjmsr-2280	94	25	mature	mature	ADJ
bjmsr-2280	94	26	consumers	consumer	NOUN
bjmsr-2280	94	27	.	.	PUNCT
bjmsr-2280	95	1	their	their	PRON
bjmsr-2280	95	2	survey	survey	NOUN
bjmsr-2280	95	3	,	,	PUNCT
bjmsr-2280	95	4	which	which	PRON
bjmsr-2280	95	5	included	include	VERB
bjmsr-2280	95	6	293	293	NUM
bjmsr-2280	95	7	male	male	ADJ
bjmsr-2280	95	8	and	and	CCONJ
bjmsr-2280	95	9	female	female	ADJ
bjmsr-2280	95	10	respondents	respondent	NOUN
bjmsr-2280	95	11	in	in	ADP
bjmsr-2280	95	12	the	the	DET
bjmsr-2280	95	13	u.s	u.s	PROPN
bjmsr-2280	95	14	.	.	PROPN
bjmsr-2280	95	15	,	,	PUNCT
bjmsr-2280	95	16	revealed	reveal	VERB
bjmsr-2280	95	17	that	that	SCONJ
bjmsr-2280	95	18	the	the	DET
bjmsr-2280	95	19	extent	extent	NOUN
bjmsr-2280	95	20	of	of	ADP
bjmsr-2280	95	21	prior	prior	ADJ
bjmsr-2280	95	22	online	online	ADJ
bjmsr-2280	95	23	shopping	shopping	NOUN
bjmsr-2280	95	24	experience	experience	NOUN
bjmsr-2280	95	25	significantly	significantly	ADV
bjmsr-2280	95	26	influenced	influence	VERB
bjmsr-2280	95	27	mature	mature	ADJ
bjmsr-2280	95	28	consumers	consumer	NOUN
bjmsr-2280	95	29	'	'	PART
bjmsr-2280	95	30	perceived	perceive	VERB
bjmsr-2280	95	31	risks	risk	NOUN
bjmsr-2280	95	32	and	and	CCONJ
bjmsr-2280	95	33	benefits	benefit	NOUN
bjmsr-2280	95	34	.	.	PUNCT
bjmsr-2280	96	1	similarly	similarly	ADV
bjmsr-2280	96	2	,	,	PUNCT
bjmsr-2280	96	3	wang	wang	PROPN
bjmsr-2280	96	4	et	et	PROPN
bjmsr-2280	96	5	al	al	PROPN
bjmsr-2280	96	6	.	.	PROPN
bjmsr-2280	96	7	(	(	PUNCT
bjmsr-2280	96	8	2020	2020	NUM
bjmsr-2280	96	9	)	)	PUNCT
bjmsr-2280	96	10	found	find	VERB
bjmsr-2280	96	11	that	that	SCONJ
bjmsr-2280	96	12	previous	previous	ADJ
bjmsr-2280	96	13	learning	learning	NOUN
bjmsr-2280	96	14	experiences	experience	NOUN
bjmsr-2280	96	15	are	be	AUX
bjmsr-2280	96	16	positively	positively	ADV
bjmsr-2280	96	17	linked	link	VERB
bjmsr-2280	96	18	to	to	ADP
bjmsr-2280	96	19	students	student	NOUN
bjmsr-2280	96	20	'	'	PART
bjmsr-2280	96	21	evaluations	evaluation	NOUN
bjmsr-2280	96	22	of	of	ADP
bjmsr-2280	96	23	and	and	CCONJ
bjmsr-2280	96	24	satisfaction	satisfaction	NOUN
bjmsr-2280	96	25	with	with	ADP
bjmsr-2280	96	26	current	current	ADJ
bjmsr-2280	96	27	online	online	ADJ
bjmsr-2280	96	28	education	education	NOUN
bjmsr-2280	96	29	.	.	PUNCT
bjmsr-2280	97	1	in	in	ADP
bjmsr-2280	97	2	the	the	DET
bjmsr-2280	97	3	context	context	NOUN
bjmsr-2280	97	4	of	of	ADP
bjmsr-2280	97	5	zakat	zakat	NOUN
bjmsr-2280	97	6	,	,	PUNCT
bjmsr-2280	97	7	prior	prior	ADJ
bjmsr-2280	97	8	experience	experience	NOUN
bjmsr-2280	97	9	with	with	ADP
bjmsr-2280	97	10	online	online	ADJ
bjmsr-2280	97	11	zakat	zakat	PROPN
bjmsr-2280	97	12	services	service	NOUN
bjmsr-2280	97	13	is	be	AUX
bjmsr-2280	97	14	a	a	DET
bjmsr-2280	97	15	crucial	crucial	ADJ
bjmsr-2280	97	16	determinant	determinant	NOUN
bjmsr-2280	97	17	of	of	ADP
bjmsr-2280	97	18	the	the	DET
bjmsr-2280	97	19	intention	intention	NOUN
bjmsr-2280	97	20	to	to	PART
bjmsr-2280	97	21	adopt	adopt	VERB
bjmsr-2280	97	22	online	online	ADJ
bjmsr-2280	97	23	payment	payment	NOUN
bjmsr-2280	97	24	systems	system	NOUN
bjmsr-2280	97	25	.	.	PUNCT
bjmsr-2280	98	1	individuals	individual	NOUN
bjmsr-2280	98	2	with	with	ADP
bjmsr-2280	98	3	previous	previous	ADJ
bjmsr-2280	98	4	exposure	exposure	NOUN
bjmsr-2280	98	5	to	to	ADP
bjmsr-2280	98	6	these	these	DET
bjmsr-2280	98	7	services	service	NOUN
bjmsr-2280	98	8	develop	develop	VERB
bjmsr-2280	98	9	familiarity	familiarity	NOUN
bjmsr-2280	98	10	and	and	CCONJ
bjmsr-2280	98	11	comfort	comfort	NOUN
bjmsr-2280	98	12	with	with	ADP
bjmsr-2280	98	13	the	the	DET
bjmsr-2280	98	14	platform	platform	NOUN
bjmsr-2280	98	15	,	,	PUNCT
bjmsr-2280	98	16	positively	positively	ADV
bjmsr-2280	98	17	influencing	influence	VERB
bjmsr-2280	98	18	their	their	PRON
bjmsr-2280	98	19	perception	perception	NOUN
bjmsr-2280	98	20	and	and	CCONJ
bjmsr-2280	98	21	trust	trust	NOUN
bjmsr-2280	98	22	in	in	ADP
bjmsr-2280	98	23	adopting	adopt	VERB
bjmsr-2280	98	24	similar	similar	ADJ
bjmsr-2280	98	25	online	online	ADJ
bjmsr-2280	98	26	payment	payment	NOUN
bjmsr-2280	98	27	systems	system	NOUN
bjmsr-2280	98	28	.	.	PUNCT
bjmsr-2280	99	1	the	the	DET
bjmsr-2280	99	2	experience	experience	NOUN
bjmsr-2280	99	3	provides	provide	VERB
bjmsr-2280	99	4	users	user	NOUN
bjmsr-2280	99	5	with	with	ADP
bjmsr-2280	99	6	insights	insight	NOUN
bjmsr-2280	99	7	into	into	ADP
bjmsr-2280	99	8	the	the	DET
bjmsr-2280	99	9	convenience	convenience	NOUN
bjmsr-2280	99	10	,	,	PUNCT
bjmsr-2280	99	11	efficiency	efficiency	NOUN
bjmsr-2280	99	12	,	,	PUNCT
bjmsr-2280	99	13	and	and	CCONJ
bjmsr-2280	99	14	security	security	NOUN
bjmsr-2280	99	15	aspects	aspect	NOUN
bjmsr-2280	99	16	of	of	ADP
bjmsr-2280	99	17	online	online	ADJ
bjmsr-2280	99	18	transactions	transaction	NOUN
bjmsr-2280	99	19	for	for	ADP
bjmsr-2280	99	20	zakat	zakat	NOUN
bjmsr-2280	99	21	payments	payment	NOUN
bjmsr-2280	99	22	.	.	PUNCT
bjmsr-2280	100	1	this	this	DET
bjmsr-2280	100	2	familiarity	familiarity	NOUN
bjmsr-2280	100	3	helps	help	VERB
bjmsr-2280	100	4	mitigate	mitigate	VERB
bjmsr-2280	100	5	concerns	concern	NOUN
bjmsr-2280	100	6	related	relate	VERB
bjmsr-2280	100	7	to	to	ADP
bjmsr-2280	100	8	the	the	DET
bjmsr-2280	100	9	novelty	novelty	NOUN
bjmsr-2280	100	10	of	of	ADP
bjmsr-2280	100	11	online	online	ADJ
bjmsr-2280	100	12	payment	payment	NOUN
bjmsr-2280	100	13	systems	system	NOUN
bjmsr-2280	100	14	,	,	PUNCT
bjmsr-2280	100	15	reducing	reduce	VERB
bjmsr-2280	100	16	perceived	perceive	VERB
bjmsr-2280	100	17	risks	risk	NOUN
bjmsr-2280	100	18	and	and	CCONJ
bjmsr-2280	100	19	uncertainties	uncertainty	NOUN
bjmsr-2280	100	20	.	.	PUNCT
bjmsr-2280	101	1	as	as	ADP
bjmsr-2280	101	2	a	a	DET
bjmsr-2280	101	3	result	result	NOUN
bjmsr-2280	101	4	,	,	PUNCT
bjmsr-2280	101	5	individuals	individual	NOUN
bjmsr-2280	101	6	with	with	ADP
bjmsr-2280	101	7	prior	prior	ADJ
bjmsr-2280	101	8	positive	positive	ADJ
bjmsr-2280	101	9	experiences	experience	NOUN
bjmsr-2280	101	10	are	be	AUX
bjmsr-2280	101	11	more	more	ADV
bjmsr-2280	101	12	likely	likely	ADJ
bjmsr-2280	101	13	to	to	PART
bjmsr-2280	101	14	exhibit	exhibit	VERB
bjmsr-2280	101	15	a	a	DET
bjmsr-2280	101	16	higher	high	ADJ
bjmsr-2280	101	17	intention	intention	NOUN
bjmsr-2280	101	18	to	to	PART
bjmsr-2280	101	19	adopt	adopt	VERB
bjmsr-2280	101	20	online	online	ADJ
bjmsr-2280	101	21	payment	payment	NOUN
bjmsr-2280	101	22	systems	system	NOUN
bjmsr-2280	101	23	for	for	ADP
bjmsr-2280	101	24	zakat	zakat	NOUN
bjmsr-2280	101	25	,	,	PUNCT
bjmsr-2280	101	26	as	as	SCONJ
bjmsr-2280	101	27	their	their	PRON
bjmsr-2280	101	28	past	past	ADJ
bjmsr-2280	101	29	encounters	encounter	NOUN
bjmsr-2280	101	30	contribute	contribute	VERB
bjmsr-2280	101	31	to	to	ADP
bjmsr-2280	101	32	a	a	DET
bjmsr-2280	101	33	favorable	favorable	ADJ
bjmsr-2280	101	34	attitude	attitude	NOUN
bjmsr-2280	101	35	and	and	CCONJ
bjmsr-2280	101	36	increased	increase	VERB
bjmsr-2280	101	37	confidence	confidence	NOUN
bjmsr-2280	101	38	in	in	ADP
bjmsr-2280	101	39	the	the	DET
bjmsr-2280	101	40	reliability	reliability	NOUN
bjmsr-2280	101	41	and	and	CCONJ
bjmsr-2280	101	42	effectiveness	effectiveness	NOUN
bjmsr-2280	101	43	of	of	ADP
bjmsr-2280	101	44	such	such	ADJ
bjmsr-2280	101	45	platforms	platform	NOUN
bjmsr-2280	101	46	.	.	PUNCT
bjmsr-2280	102	1	based	base	VERB
bjmsr-2280	102	2	on	on	ADP
bjmsr-2280	102	3	this	this	DET
bjmsr-2280	102	4	literature	literature	NOUN
bjmsr-2280	102	5	and	and	CCONJ
bjmsr-2280	102	6	argument	argument	NOUN
bjmsr-2280	102	7	,	,	PUNCT
bjmsr-2280	102	8	the	the	DET
bjmsr-2280	102	9	following	follow	VERB
bjmsr-2280	102	10	hypothesis	hypothesis	NOUN
bjmsr-2280	102	11	is	be	AUX
bjmsr-2280	102	12	developed	develop	VERB
bjmsr-2280	102	13	:	:	PUNCT
bjmsr-2280	102	14	h4	h4	NOUN
bjmsr-2280	102	15	:	:	PUNCT
bjmsr-2280	102	16	prior	prior	ADJ
bjmsr-2280	102	17	experience	experience	NOUN
bjmsr-2280	102	18	has	have	VERB
bjmsr-2280	102	19	a	a	DET
bjmsr-2280	102	20	significant	significant	ADJ
bjmsr-2280	102	21	positive	positive	ADJ
bjmsr-2280	102	22	effect	effect	NOUN
bjmsr-2280	102	23	on	on	ADP
bjmsr-2280	102	24	online	online	ADJ
bjmsr-2280	102	25	zakat	zakat	NOUN
bjmsr-2280	102	26	payment	payment	NOUN
bjmsr-2280	102	27	usage	usage	NOUN
bjmsr-2280	102	28	intention	intention	NOUN
bjmsr-2280	102	29	rahman	rahman	PROPN
bjmsr-2280	102	30	et	et	PROPN
bjmsr-2280	102	31	al	al	PROPN
bjmsr-2280	102	32	.	.	PROPN
bjmsr-2280	102	33	,	,	PUNCT
bjmsr-2280	102	34	bangladesh	bangladesh	PROPN
bjmsr-2280	102	35	journal	journal	NOUN
bjmsr-2280	102	36	of	of	ADP
bjmsr-2280	102	37	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	102	38	scientific	scientific	ADJ
bjmsr-2280	102	39	research	research	NOUN
bjmsr-2280	102	40	10(1	10(1	NUM
bjmsr-2280	102	41	)	)	PUNCT
bjmsr-2280	102	42	(	(	PUNCT
bjmsr-2280	102	43	2025	2025	NUM
bjmsr-2280	102	44	)	)	PUNCT
bjmsr-2280	102	45	,	,	PUNCT
bjmsr-2280	102	46	1	1	NUM
bjmsr-2280	102	47	-	-	SYM
bjmsr-2280	102	48	10	10	NUM
bjmsr-2280	102	49	4	4	NUM
bjmsr-2280	102	50	conceptual	conceptual	ADJ
bjmsr-2280	102	51	framework	framework	NOUN
bjmsr-2280	102	52	h	h	NOUN
bjmsr-2280	102	53	figure	figure	NOUN
bjmsr-2280	102	54	1	1	NUM
bjmsr-2280	102	55	.	.	PUNCT
bjmsr-2280	102	56	research	research	NOUN
bjmsr-2280	102	57	framework	framework	NOUN
bjmsr-2280	102	58	materials	material	NOUN
bjmsr-2280	102	59	and	and	CCONJ
bjmsr-2280	102	60	methods	method	NOUN
bjmsr-2280	102	61	research	research	NOUN
bjmsr-2280	102	62	design	design	NOUN
bjmsr-2280	102	63	,	,	PUNCT
bjmsr-2280	102	64	research	research	NOUN
bjmsr-2280	102	65	instrument	instrument	NOUN
bjmsr-2280	102	66	,	,	PUNCT
bjmsr-2280	102	67	and	and	CCONJ
bjmsr-2280	102	68	data	datum	NOUN
bjmsr-2280	102	69	collection	collection	NOUN
bjmsr-2280	102	70	the	the	DET
bjmsr-2280	102	71	survey	survey	NOUN
bjmsr-2280	102	72	method	method	NOUN
bjmsr-2280	102	73	and	and	CCONJ
bjmsr-2280	102	74	questionnaires	questionnaire	NOUN
bjmsr-2280	102	75	were	be	AUX
bjmsr-2280	102	76	employed	employ	VERB
bjmsr-2280	102	77	in	in	ADP
bjmsr-2280	102	78	this	this	DET
bjmsr-2280	102	79	study	study	NOUN
bjmsr-2280	102	80	to	to	PART
bjmsr-2280	102	81	collect	collect	VERB
bjmsr-2280	102	82	data	datum	NOUN
bjmsr-2280	102	83	.	.	PUNCT
bjmsr-2280	103	1	the	the	DET
bjmsr-2280	103	2	questionnaires	questionnaire	NOUN
bjmsr-2280	103	3	were	be	AUX
bjmsr-2280	103	4	structured	structure	VERB
bjmsr-2280	103	5	into	into	ADP
bjmsr-2280	103	6	three	three	NUM
bjmsr-2280	103	7	sections	section	NOUN
bjmsr-2280	103	8	for	for	ADP
bjmsr-2280	103	9	comprehensive	comprehensive	ADJ
bjmsr-2280	103	10	information	information	NOUN
bjmsr-2280	103	11	gathering	gathering	NOUN
bjmsr-2280	103	12	.	.	PUNCT
bjmsr-2280	104	1	section	section	NOUN
bjmsr-2280	104	2	a	a	PRON
bjmsr-2280	104	3	was	be	AUX
bjmsr-2280	104	4	dedicated	dedicate	VERB
bjmsr-2280	104	5	to	to	ADP
bjmsr-2280	104	6	obtaining	obtain	VERB
bjmsr-2280	104	7	demographic	demographic	ADJ
bjmsr-2280	104	8	details	detail	NOUN
bjmsr-2280	104	9	,	,	PUNCT
bjmsr-2280	104	10	including	include	VERB
bjmsr-2280	104	11	age	age	NOUN
bjmsr-2280	104	12	,	,	PUNCT
bjmsr-2280	104	13	gender	gender	NOUN
bjmsr-2280	104	14	,	,	PUNCT
bjmsr-2280	104	15	education	education	NOUN
bjmsr-2280	104	16	level	level	NOUN
bjmsr-2280	104	17	,	,	PUNCT
bjmsr-2280	104	18	and	and	CCONJ
bjmsr-2280	104	19	occupation	occupation	NOUN
bjmsr-2280	104	20	.	.	PUNCT
bjmsr-2280	105	1	section	section	PROPN
bjmsr-2280	105	2	b	b	PROPN
bjmsr-2280	105	3	delved	delve	VERB
bjmsr-2280	105	4	into	into	ADP
bjmsr-2280	105	5	factors	factor	NOUN
bjmsr-2280	105	6	influencing	influence	VERB
bjmsr-2280	105	7	muzakkis	muzakkis	PROPN
bjmsr-2280	105	8	'	'	PART
bjmsr-2280	105	9	intention	intention	NOUN
bjmsr-2280	105	10	to	to	PART
bjmsr-2280	105	11	use	use	VERB
bjmsr-2280	105	12	online	online	ADJ
bjmsr-2280	105	13	zakat	zakat	NOUN
bjmsr-2280	105	14	payment	payment	NOUN
bjmsr-2280	105	15	services	service	NOUN
bjmsr-2280	105	16	,	,	PUNCT
bjmsr-2280	105	17	while	while	SCONJ
bjmsr-2280	105	18	section	section	NOUN
bjmsr-2280	105	19	c	c	PROPN
bjmsr-2280	105	20	comprised	comprise	VERB
bjmsr-2280	105	21	questions	question	NOUN
bjmsr-2280	105	22	specifically	specifically	ADV
bjmsr-2280	105	23	addressing	address	VERB
bjmsr-2280	105	24	this	this	DET
bjmsr-2280	105	25	intention	intention	NOUN
bjmsr-2280	105	26	.	.	PUNCT
bjmsr-2280	106	1	a	a	DET
bjmsr-2280	106	2	seven	seven	NUM
bjmsr-2280	106	3	-	-	PUNCT
bjmsr-2280	106	4	point	point	NOUN
bjmsr-2280	106	5	likert	likert	ADJ
bjmsr-2280	106	6	scale	scale	NOUN
bjmsr-2280	106	7	was	be	AUX
bjmsr-2280	106	8	utilized	utilize	VERB
bjmsr-2280	106	9	to	to	PART
bjmsr-2280	106	10	measure	measure	VERB
bjmsr-2280	106	11	the	the	DET
bjmsr-2280	106	12	independent	independent	ADJ
bjmsr-2280	106	13	and	and	CCONJ
bjmsr-2280	106	14	dependent	dependent	ADJ
bjmsr-2280	106	15	variables	variable	NOUN
bjmsr-2280	106	16	,	,	PUNCT
bjmsr-2280	106	17	ranging	range	VERB
bjmsr-2280	106	18	from	from	ADP
bjmsr-2280	106	19	1	1	NUM
bjmsr-2280	106	20	(	(	PUNCT
bjmsr-2280	106	21	"	"	PUNCT
bjmsr-2280	106	22	strongly	strongly	ADV
bjmsr-2280	106	23	disagree	disagree	VERB
bjmsr-2280	106	24	"	"	PUNCT
bjmsr-2280	106	25	)	)	PUNCT
bjmsr-2280	106	26	to	to	ADP
bjmsr-2280	106	27	7	7	NUM
bjmsr-2280	106	28	(	(	PUNCT
bjmsr-2280	106	29	"	"	PUNCT
bjmsr-2280	106	30	strongly	strongly	ADV
bjmsr-2280	106	31	agree	agree	VERB
bjmsr-2280	106	32	"	"	PUNCT
bjmsr-2280	106	33	)	)	PUNCT
bjmsr-2280	106	34	.	.	PUNCT
bjmsr-2280	107	1	the	the	DET
bjmsr-2280	107	2	first	first	ADJ
bjmsr-2280	107	3	independent	independent	ADJ
bjmsr-2280	107	4	variable	variable	NOUN
bjmsr-2280	107	5	,	,	PUNCT
bjmsr-2280	107	6	perceived	perceive	VERB
bjmsr-2280	107	7	risk	risk	NOUN
bjmsr-2280	107	8	,	,	PUNCT
bjmsr-2280	107	9	comprised	comprise	VERB
bjmsr-2280	107	10	seven	seven	NUM
bjmsr-2280	107	11	indicators	indicator	NOUN
bjmsr-2280	107	12	adapted	adapt	VERB
bjmsr-2280	107	13	from	from	ADP
bjmsr-2280	107	14	chiu	chiu	PROPN
bjmsr-2280	107	15	and	and	CCONJ
bjmsr-2280	107	16	cho	cho	PROPN
bjmsr-2280	107	17	(	(	PUNCT
bjmsr-2280	107	18	2021	2021	NUM
bjmsr-2280	107	19	)	)	PUNCT
bjmsr-2280	107	20	.	.	PUNCT
bjmsr-2280	108	1	zakat	zakat	NOUN
bjmsr-2280	108	2	literacy	literacy	NOUN
bjmsr-2280	108	3	and	and	CCONJ
bjmsr-2280	108	4	trust	trust	NOUN
bjmsr-2280	108	5	in	in	ADP
bjmsr-2280	108	6	zakat	zakat	NOUN
bjmsr-2280	108	7	institutions	institution	NOUN
bjmsr-2280	108	8	were	be	AUX
bjmsr-2280	108	9	assessed	assess	VERB
bjmsr-2280	108	10	using	use	VERB
bjmsr-2280	108	11	a	a	DET
bjmsr-2280	108	12	four	four	NUM
bjmsr-2280	108	13	-	-	PUNCT
bjmsr-2280	108	14	item	item	NOUN
bjmsr-2280	108	15	questionnaire	questionnaire	NOUN
bjmsr-2280	108	16	adapted	adapt	VERB
bjmsr-2280	108	17	from	from	ADP
bjmsr-2280	108	18	kasri	kasri	PROPN
bjmsr-2280	108	19	and	and	CCONJ
bjmsr-2280	108	20	yuniar	yuniar	NOUN
bjmsr-2280	108	21	(	(	PUNCT
bjmsr-2280	108	22	2021	2021	NUM
bjmsr-2280	108	23	)	)	PUNCT
bjmsr-2280	108	24	.	.	PUNCT
bjmsr-2280	109	1	the	the	DET
bjmsr-2280	109	2	dependent	dependent	ADJ
bjmsr-2280	109	3	variable	variable	NOUN
bjmsr-2280	109	4	,	,	PUNCT
bjmsr-2280	109	5	online	online	ADJ
bjmsr-2280	109	6	zakat	zakat	NOUN
bjmsr-2280	109	7	payment	payment	NOUN
bjmsr-2280	109	8	service	service	NOUN
bjmsr-2280	109	9	adoption	adoption	NOUN
bjmsr-2280	109	10	intention	intention	NOUN
bjmsr-2280	109	11	,	,	PUNCT
bjmsr-2280	109	12	was	be	AUX
bjmsr-2280	109	13	measured	measure	VERB
bjmsr-2280	109	14	using	use	VERB
bjmsr-2280	109	15	three	three	NUM
bjmsr-2280	109	16	items	item	NOUN
bjmsr-2280	109	17	adapted	adapt	VERB
bjmsr-2280	109	18	from	from	ADP
bjmsr-2280	109	19	muflih	muflih	NOUN
bjmsr-2280	109	20	(	(	PUNCT
bjmsr-2280	109	21	2023	2023	NUM
bjmsr-2280	109	22	)	)	PUNCT
bjmsr-2280	109	23	.	.	PUNCT
bjmsr-2280	110	1	in	in	ADP
bjmsr-2280	110	2	this	this	DET
bjmsr-2280	110	3	study	study	NOUN
bjmsr-2280	110	4	,	,	PUNCT
bjmsr-2280	110	5	researchers	researcher	NOUN
bjmsr-2280	110	6	sought	seek	VERB
bjmsr-2280	110	7	to	to	PART
bjmsr-2280	110	8	understand	understand	VERB
bjmsr-2280	110	9	the	the	DET
bjmsr-2280	110	10	factors	factor	NOUN
bjmsr-2280	110	11	influencing	influence	VERB
bjmsr-2280	110	12	the	the	DET
bjmsr-2280	110	13	intention	intention	NOUN
bjmsr-2280	110	14	to	to	PART
bjmsr-2280	110	15	adopt	adopt	VERB
bjmsr-2280	110	16	the	the	DET
bjmsr-2280	110	17	e	e	NOUN
bjmsr-2280	110	18	-	-	NOUN
bjmsr-2280	110	19	zakat	zakat	ADJ
bjmsr-2280	110	20	payment	payment	NOUN
bjmsr-2280	110	21	service	service	NOUN
bjmsr-2280	110	22	among	among	ADP
bjmsr-2280	110	23	muzakkis	muzakkis	PROPN
bjmsr-2280	110	24	in	in	ADP
bjmsr-2280	110	25	malaysia	malaysia	PROPN
bjmsr-2280	110	26	.	.	PUNCT
bjmsr-2280	111	1	participants	participant	NOUN
bjmsr-2280	111	2	were	be	AUX
bjmsr-2280	111	3	asked	ask	VERB
bjmsr-2280	111	4	to	to	PART
bjmsr-2280	111	5	indicate	indicate	VERB
bjmsr-2280	111	6	their	their	PRON
bjmsr-2280	111	7	likelihood	likelihood	NOUN
bjmsr-2280	111	8	of	of	ADP
bjmsr-2280	111	9	using	use	VERB
bjmsr-2280	111	10	the	the	DET
bjmsr-2280	111	11	online	online	ADJ
bjmsr-2280	111	12	zakat	zakat	NOUN
bjmsr-2280	111	13	system	system	NOUN
bjmsr-2280	111	14	to	to	PART
bjmsr-2280	111	15	fulfill	fulfill	VERB
bjmsr-2280	111	16	their	their	PRON
bjmsr-2280	111	17	obligations	obligation	NOUN
bjmsr-2280	111	18	.	.	PUNCT
bjmsr-2280	112	1	the	the	DET
bjmsr-2280	112	2	questionnaires	questionnaire	NOUN
bjmsr-2280	112	3	were	be	AUX
bjmsr-2280	112	4	administered	administer	VERB
bjmsr-2280	112	5	in	in	ADP
bjmsr-2280	112	6	person	person	NOUN
bjmsr-2280	112	7	,	,	PUNCT
bjmsr-2280	112	8	with	with	ADP
bjmsr-2280	112	9	respondents	respondent	NOUN
bjmsr-2280	112	10	assured	assure	VERB
bjmsr-2280	112	11	confidentiality	confidentiality	NOUN
bjmsr-2280	112	12	,	,	PUNCT
bjmsr-2280	112	13	and	and	CCONJ
bjmsr-2280	112	14	data	datum	NOUN
bjmsr-2280	112	15	was	be	AUX
bjmsr-2280	112	16	collected	collect	VERB
bjmsr-2280	112	17	solely	solely	ADV
bjmsr-2280	112	18	for	for	ADP
bjmsr-2280	112	19	research	research	NOUN
bjmsr-2280	112	20	purposes	purpose	NOUN
bjmsr-2280	112	21	.	.	PUNCT
bjmsr-2280	113	1	the	the	DET
bjmsr-2280	113	2	study	study	NOUN
bjmsr-2280	113	3	targeted	target	VERB
bjmsr-2280	113	4	muslim	muslim	ADJ
bjmsr-2280	113	5	employees	employee	NOUN
bjmsr-2280	113	6	,	,	PUNCT
bjmsr-2280	113	7	referred	refer	VERB
bjmsr-2280	113	8	to	to	ADP
bjmsr-2280	113	9	as	as	ADP
bjmsr-2280	113	10	muzakkis	muzakkis	PROPN
bjmsr-2280	113	11	,	,	PUNCT
bjmsr-2280	113	12	who	who	PRON
bjmsr-2280	113	13	work	work	VERB
bjmsr-2280	113	14	in	in	ADP
bjmsr-2280	113	15	both	both	CCONJ
bjmsr-2280	113	16	the	the	DET
bjmsr-2280	113	17	government	government	NOUN
bjmsr-2280	113	18	and	and	CCONJ
bjmsr-2280	113	19	private	private	ADJ
bjmsr-2280	113	20	sectors	sector	NOUN
bjmsr-2280	113	21	across	across	ADP
bjmsr-2280	113	22	three	three	NUM
bjmsr-2280	113	23	states	state	NOUN
bjmsr-2280	113	24	in	in	ADP
bjmsr-2280	113	25	malaysia	malaysia	PROPN
bjmsr-2280	113	26	:	:	PUNCT
bjmsr-2280	113	27	perak	perak	PROPN
bjmsr-2280	113	28	,	,	PUNCT
bjmsr-2280	113	29	selangor	selangor	PROPN
bjmsr-2280	113	30	,	,	PUNCT
bjmsr-2280	113	31	and	and	CCONJ
bjmsr-2280	113	32	kelantan	kelantan	PROPN
bjmsr-2280	113	33	.	.	PUNCT
bjmsr-2280	114	1	these	these	DET
bjmsr-2280	114	2	participants	participant	NOUN
bjmsr-2280	114	3	represented	represent	VERB
bjmsr-2280	114	4	a	a	DET
bjmsr-2280	114	5	cross	cross	NOUN
bjmsr-2280	114	6	-	-	NOUN
bjmsr-2280	114	7	section	section	NOUN
bjmsr-2280	114	8	of	of	ADP
bjmsr-2280	114	9	working	work	VERB
bjmsr-2280	114	10	muslims	muslim	NOUN
bjmsr-2280	114	11	responsible	responsible	ADJ
bjmsr-2280	114	12	for	for	ADP
bjmsr-2280	114	13	fulfilling	fulfil	VERB
bjmsr-2280	114	14	zakat	zakat	NOUN
bjmsr-2280	114	15	obligations	obligation	NOUN
bjmsr-2280	114	16	.	.	PUNCT
bjmsr-2280	115	1	a	a	DET
bjmsr-2280	115	2	cluster	cluster	NOUN
bjmsr-2280	115	3	sampling	sample	VERB
bjmsr-2280	115	4	technique	technique	NOUN
bjmsr-2280	115	5	was	be	AUX
bjmsr-2280	115	6	used	use	VERB
bjmsr-2280	115	7	to	to	PART
bjmsr-2280	115	8	select	select	VERB
bjmsr-2280	115	9	the	the	DET
bjmsr-2280	115	10	sample	sample	NOUN
bjmsr-2280	115	11	.	.	PUNCT
bjmsr-2280	116	1	the	the	DET
bjmsr-2280	116	2	clusters	cluster	NOUN
bjmsr-2280	116	3	were	be	AUX
bjmsr-2280	116	4	defined	define	VERB
bjmsr-2280	116	5	based	base	VERB
bjmsr-2280	116	6	on	on	ADP
bjmsr-2280	116	7	location	location	NOUN
bjmsr-2280	116	8	(	(	PUNCT
bjmsr-2280	116	9	the	the	DET
bjmsr-2280	116	10	three	three	NUM
bjmsr-2280	116	11	selected	select	VERB
bjmsr-2280	116	12	states	state	NOUN
bjmsr-2280	116	13	)	)	PUNCT
bjmsr-2280	116	14	,	,	PUNCT
bjmsr-2280	116	15	and	and	CCONJ
bjmsr-2280	116	16	sectors	sector	NOUN
bjmsr-2280	116	17	(	(	PUNCT
bjmsr-2280	116	18	government	government	NOUN
bjmsr-2280	116	19	and	and	CCONJ
bjmsr-2280	116	20	private	private	ADJ
bjmsr-2280	116	21	)	)	PUNCT
bjmsr-2280	116	22	within	within	ADP
bjmsr-2280	116	23	these	these	DET
bjmsr-2280	116	24	states	state	NOUN
bjmsr-2280	116	25	were	be	AUX
bjmsr-2280	116	26	included	include	VERB
bjmsr-2280	116	27	to	to	PART
bjmsr-2280	116	28	ensure	ensure	VERB
bjmsr-2280	116	29	diversity	diversity	NOUN
bjmsr-2280	116	30	within	within	ADP
bjmsr-2280	116	31	the	the	DET
bjmsr-2280	116	32	sample	sample	NOUN
bjmsr-2280	116	33	.	.	PUNCT
bjmsr-2280	117	1	a	a	DET
bjmsr-2280	117	2	total	total	NOUN
bjmsr-2280	117	3	of	of	ADP
bjmsr-2280	117	4	350	350	NUM
bjmsr-2280	117	5	questionnaires	questionnaire	NOUN
bjmsr-2280	117	6	were	be	AUX
bjmsr-2280	117	7	distributed	distribute	VERB
bjmsr-2280	117	8	,	,	PUNCT
bjmsr-2280	117	9	of	of	ADP
bjmsr-2280	117	10	which	which	PRON
bjmsr-2280	117	11	288	288	NUM
bjmsr-2280	117	12	were	be	AUX
bjmsr-2280	117	13	returned	return	VERB
bjmsr-2280	117	14	as	as	ADP
bjmsr-2280	117	15	valid	valid	ADJ
bjmsr-2280	117	16	and	and	CCONJ
bjmsr-2280	117	17	used	use	VERB
bjmsr-2280	117	18	for	for	ADP
bjmsr-2280	117	19	the	the	DET
bjmsr-2280	117	20	analysis	analysis	NOUN
bjmsr-2280	117	21	,	,	PUNCT
bjmsr-2280	117	22	representing	represent	VERB
bjmsr-2280	117	23	an	an	DET
bjmsr-2280	117	24	82	82	NUM
bjmsr-2280	117	25	%	%	NOUN
bjmsr-2280	117	26	response	response	NOUN
bjmsr-2280	117	27	rate	rate	NOUN
bjmsr-2280	117	28	.	.	PUNCT
bjmsr-2280	118	1	this	this	DET
bjmsr-2280	118	2	sample	sample	NOUN
bjmsr-2280	118	3	size	size	NOUN
bjmsr-2280	118	4	was	be	AUX
bjmsr-2280	118	5	sufficient	sufficient	ADJ
bjmsr-2280	118	6	to	to	PART
bjmsr-2280	118	7	achieve	achieve	VERB
bjmsr-2280	118	8	statistical	statistical	ADJ
bjmsr-2280	118	9	power	power	NOUN
bjmsr-2280	118	10	and	and	CCONJ
bjmsr-2280	118	11	precision	precision	NOUN
bjmsr-2280	118	12	for	for	ADP
bjmsr-2280	118	13	the	the	DET
bjmsr-2280	118	14	study	study	NOUN
bjmsr-2280	118	15	's	's	PART
bjmsr-2280	118	16	objectives	objective	NOUN
bjmsr-2280	118	17	,	,	PUNCT
bjmsr-2280	118	18	providing	provide	VERB
bjmsr-2280	118	19	a	a	DET
bjmsr-2280	118	20	robust	robust	ADJ
bjmsr-2280	118	21	basis	basis	NOUN
bjmsr-2280	118	22	for	for	ADP
bjmsr-2280	118	23	analyzing	analyze	VERB
bjmsr-2280	118	24	adoption	adoption	NOUN
bjmsr-2280	118	25	intention	intention	NOUN
bjmsr-2280	118	26	trends	trend	NOUN
bjmsr-2280	118	27	among	among	ADP
bjmsr-2280	118	28	the	the	DET
bjmsr-2280	118	29	target	target	NOUN
bjmsr-2280	118	30	population	population	NOUN
bjmsr-2280	118	31	.	.	PUNCT
bjmsr-2280	119	1	results	result	NOUN
bjmsr-2280	119	2	respondent	respondent	NOUN
bjmsr-2280	119	3	profile	profile	NOUN
bjmsr-2280	119	4	table	table	NOUN
bjmsr-2280	119	5	1	1	NUM
bjmsr-2280	119	6	shows	show	VERB
bjmsr-2280	119	7	the	the	DET
bjmsr-2280	119	8	demographic	demographic	ADJ
bjmsr-2280	119	9	makeup	makeup	NOUN
bjmsr-2280	119	10	of	of	ADP
bjmsr-2280	119	11	the	the	DET
bjmsr-2280	119	12	288	288	NUM
bjmsr-2280	119	13	zakat	zakat	NOUN
bjmsr-2280	119	14	payers	payer	NOUN
bjmsr-2280	119	15	(	(	PUNCT
bjmsr-2280	119	16	muzakkis	muzakkis	PROPN
bjmsr-2280	119	17	)	)	PUNCT
bjmsr-2280	119	18	who	who	PRON
bjmsr-2280	119	19	participated	participate	VERB
bjmsr-2280	119	20	in	in	ADP
bjmsr-2280	119	21	the	the	DET
bjmsr-2280	119	22	study	study	NOUN
bjmsr-2280	119	23	.	.	PUNCT
bjmsr-2280	120	1	table	table	NOUN
bjmsr-2280	120	2	1	1	NUM
bjmsr-2280	120	3	.	.	PUNCT
bjmsr-2280	121	1	demographic	demographic	ADJ
bjmsr-2280	121	2	characteristics	characteristic	NOUN
bjmsr-2280	121	3	of	of	ADP
bjmsr-2280	121	4	respondents	respondent	NOUN
bjmsr-2280	121	5	characteristics	characteristic	NOUN
bjmsr-2280	121	6	items	item	NOUN
bjmsr-2280	121	7	frequency	frequency	NOUN
bjmsr-2280	121	8	%	%	NOUN
bjmsr-2280	121	9	gender	gender	NOUN
bjmsr-2280	121	10	male	male	NOUN
bjmsr-2280	121	11	170	170	NUM
bjmsr-2280	121	12	59	59	NUM
bjmsr-2280	121	13	%	%	NOUN
bjmsr-2280	121	14	female	female	ADJ
bjmsr-2280	121	15	118	118	NUM
bjmsr-2280	121	16	41	41	NUM
bjmsr-2280	121	17	%	%	NOUN
bjmsr-2280	121	18	age	age	NOUN
bjmsr-2280	121	19	21	21	NUM
bjmsr-2280	121	20	30	30	NUM
bjmsr-2280	121	21	years	year	NOUN
bjmsr-2280	121	22	old	old	ADJ
bjmsr-2280	121	23	35	35	NUM
bjmsr-2280	121	24	12	12	NUM
bjmsr-2280	121	25	%	%	NOUN
bjmsr-2280	121	26	31	31	NUM
bjmsr-2280	121	27	40	40	NUM
bjmsr-2280	121	28	years	year	NOUN
bjmsr-2280	121	29	old	old	ADJ
bjmsr-2280	121	30	65	65	NUM
bjmsr-2280	121	31	23	23	NUM
bjmsr-2280	121	32	%	%	NOUN
bjmsr-2280	121	33	41	41	NUM
bjmsr-2280	121	34	50	50	NUM
bjmsr-2280	121	35	years	year	NOUN
bjmsr-2280	121	36	old	old	ADJ
bjmsr-2280	121	37	133	133	NUM
bjmsr-2280	121	38	46	46	NUM
bjmsr-2280	121	39	%	%	NOUN
bjmsr-2280	121	40	more	more	ADJ
bjmsr-2280	121	41	than	than	ADP
bjmsr-2280	121	42	50	50	NUM
bjmsr-2280	121	43	years	year	NOUN
bjmsr-2280	121	44	old	old	ADJ
bjmsr-2280	121	45	55	55	NUM
bjmsr-2280	121	46	19	19	NUM
bjmsr-2280	121	47	%	%	NOUN
bjmsr-2280	121	48	academic	academic	ADJ
bjmsr-2280	121	49	background	background	NOUN
bjmsr-2280	121	50	phd	phd	NOUN
bjmsr-2280	121	51	11	11	NUM
bjmsr-2280	121	52	4	4	NUM
bjmsr-2280	121	53	%	%	NOUN
bjmsr-2280	121	54	master	master	NOUN
bjmsr-2280	121	55	degree	degree	NOUN
bjmsr-2280	121	56	91	91	NUM
bjmsr-2280	121	57	32	32	NUM
bjmsr-2280	121	58	%	%	NOUN
bjmsr-2280	121	59	bachelor	bachelor	NOUN
bjmsr-2280	121	60	degree	degree	NOUN
bjmsr-2280	121	61	135	135	NUM
bjmsr-2280	121	62	47	47	NUM
bjmsr-2280	121	63	%	%	NOUN
bjmsr-2280	121	64	diploma	diploma	NOUN
bjmsr-2280	121	65	and	and	CCONJ
bjmsr-2280	121	66	below	below	ADP
bjmsr-2280	121	67	51	51	NUM
bjmsr-2280	121	68	18	18	NUM
bjmsr-2280	121	69	%	%	NOUN
bjmsr-2280	121	70	occupation	occupation	NOUN
bjmsr-2280	121	71	government	government	NOUN
bjmsr-2280	121	72	161	161	NUM
bjmsr-2280	121	73	56	56	NUM
bjmsr-2280	121	74	%	%	NOUN
bjmsr-2280	121	75	private	private	ADJ
bjmsr-2280	121	76	127	127	NUM
bjmsr-2280	121	77	44	44	NUM
bjmsr-2280	121	78	%	%	NOUN
bjmsr-2280	121	79	of	of	ADP
bjmsr-2280	121	80	the	the	DET
bjmsr-2280	121	81	respondents	respondent	NOUN
bjmsr-2280	121	82	,	,	PUNCT
bjmsr-2280	121	83	170	170	NUM
bjmsr-2280	121	84	(	(	PUNCT
bjmsr-2280	121	85	59	59	NUM
bjmsr-2280	121	86	%	%	NOUN
bjmsr-2280	121	87	)	)	PUNCT
bjmsr-2280	121	88	were	be	AUX
bjmsr-2280	121	89	male	male	ADJ
bjmsr-2280	121	90	muzakkis	muzakki	NOUN
bjmsr-2280	121	91	,	,	PUNCT
bjmsr-2280	121	92	and	and	CCONJ
bjmsr-2280	121	93	118	118	NUM
bjmsr-2280	121	94	(	(	PUNCT
bjmsr-2280	121	95	41	41	NUM
bjmsr-2280	121	96	%	%	NOUN
bjmsr-2280	121	97	)	)	PUNCT
bjmsr-2280	121	98	were	be	AUX
bjmsr-2280	121	99	female	female	ADJ
bjmsr-2280	121	100	muzakkis	muzakki	NOUN
bjmsr-2280	121	101	.	.	PUNCT
bjmsr-2280	122	1	the	the	DET
bjmsr-2280	122	2	largest	large	ADJ
bjmsr-2280	122	3	age	age	NOUN
bjmsr-2280	122	4	group	group	NOUN
bjmsr-2280	122	5	among	among	ADP
bjmsr-2280	122	6	the	the	DET
bjmsr-2280	122	7	participants	participant	NOUN
bjmsr-2280	122	8	was	be	AUX
bjmsr-2280	122	9	those	those	PRON
bjmsr-2280	122	10	aged	aged	ADJ
bjmsr-2280	122	11	41–50	41–50	NUM
bjmsr-2280	122	12	years	year	NOUN
bjmsr-2280	122	13	old	old	ADJ
bjmsr-2280	122	14	,	,	PUNCT
bjmsr-2280	122	15	comprising	comprise	VERB
bjmsr-2280	122	16	42	42	NUM
bjmsr-2280	122	17	%	%	NOUN
bjmsr-2280	122	18	of	of	ADP
bjmsr-2280	122	19	the	the	DET
bjmsr-2280	122	20	total	total	NOUN
bjmsr-2280	122	21	.	.	PUNCT
bjmsr-2280	123	1	additionally	additionally	ADV
bjmsr-2280	123	2	,	,	PUNCT
bjmsr-2280	123	3	a	a	DET
bjmsr-2280	123	4	significant	significant	ADJ
bjmsr-2280	123	5	portion	portion	NOUN
bjmsr-2280	123	6	of	of	ADP
bjmsr-2280	123	7	perceived	perceive	VERB
bjmsr-2280	123	8	risk	risk	NOUN
bjmsr-2280	123	9	trust	trust	NOUN
bjmsr-2280	123	10	in	in	ADP
bjmsr-2280	123	11	zakat	zakat	PROPN
bjmsr-2280	123	12	institution	institution	NOUN
bjmsr-2280	123	13	online	online	ADJ
bjmsr-2280	123	14	zakat	zakat	NOUN
bjmsr-2280	123	15	payment	payment	NOUN
bjmsr-2280	123	16	usage	usage	NOUN
bjmsr-2280	123	17	intention	intention	NOUN
bjmsr-2280	123	18	zakat	zakat	NOUN
bjmsr-2280	123	19	literacy	literacy	NOUN
bjmsr-2280	123	20	prior	prior	ADJ
bjmsr-2280	123	21	experience	experience	NOUN
bjmsr-2280	123	22	online	online	PROPN
bjmsr-2280	123	23	zakat	zakat	PROPN
bjmsr-2280	123	24	rahman	rahman	PROPN
bjmsr-2280	123	25	et	et	PROPN
bjmsr-2280	123	26	al	al	PROPN
bjmsr-2280	123	27	.	.	PROPN
bjmsr-2280	123	28	,	,	PUNCT
bjmsr-2280	123	29	bangladesh	bangladesh	PROPN
bjmsr-2280	123	30	journal	journal	NOUN
bjmsr-2280	123	31	of	of	ADP
bjmsr-2280	123	32	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	123	33	scientific	scientific	ADJ
bjmsr-2280	123	34	research	research	NOUN
bjmsr-2280	123	35	10(1	10(1	NUM
bjmsr-2280	123	36	)	)	PUNCT
bjmsr-2280	123	37	(	(	PUNCT
bjmsr-2280	123	38	2025	2025	NUM
bjmsr-2280	123	39	)	)	PUNCT
bjmsr-2280	123	40	,	,	PUNCT
bjmsr-2280	123	41	1	1	NUM
bjmsr-2280	123	42	-	-	SYM
bjmsr-2280	123	43	10	10	NUM
bjmsr-2280	123	44	5	5	NUM
bjmsr-2280	123	45	the	the	DET
bjmsr-2280	123	46	respondents	respondent	NOUN
bjmsr-2280	123	47	had	have	AUX
bjmsr-2280	123	48	completed	complete	VERB
bjmsr-2280	123	49	a	a	DET
bjmsr-2280	123	50	bachelor	bachelor	NOUN
bjmsr-2280	123	51	's	's	PART
bjmsr-2280	123	52	degree	degree	NOUN
bjmsr-2280	123	53	(	(	PUNCT
bjmsr-2280	123	54	36	36	NUM
bjmsr-2280	123	55	%	%	NOUN
bjmsr-2280	123	56	)	)	PUNCT
bjmsr-2280	123	57	,	,	PUNCT
bjmsr-2280	123	58	and	and	CCONJ
bjmsr-2280	123	59	the	the	DET
bjmsr-2280	123	60	majority	majority	NOUN
bjmsr-2280	123	61	were	be	AUX
bjmsr-2280	123	62	employed	employ	VERB
bjmsr-2280	123	63	in	in	ADP
bjmsr-2280	123	64	government	government	NOUN
bjmsr-2280	123	65	positions	position	NOUN
bjmsr-2280	123	66	(	(	PUNCT
bjmsr-2280	123	67	56	56	NUM
bjmsr-2280	123	68	%	%	NOUN
bjmsr-2280	123	69	)	)	PUNCT
bjmsr-2280	123	70	.	.	PUNCT
bjmsr-2280	124	1	assessment	assessment	NOUN
bjmsr-2280	124	2	of	of	ADP
bjmsr-2280	124	3	the	the	DET
bjmsr-2280	124	4	measurement	measurement	NOUN
bjmsr-2280	124	5	model	model	NOUN
bjmsr-2280	124	6	the	the	DET
bjmsr-2280	124	7	two	two	NUM
bjmsr-2280	124	8	-	-	PUNCT
bjmsr-2280	124	9	step	step	NOUN
bjmsr-2280	124	10	smart	smart	ADJ
bjmsr-2280	124	11	pls	pls	NOUN
bjmsr-2280	124	12	approach	approach	NOUN
bjmsr-2280	124	13	—	—	PUNCT
bjmsr-2280	124	14	an	an	DET
bjmsr-2280	124	15	evaluation	evaluation	NOUN
bjmsr-2280	124	16	of	of	ADP
bjmsr-2280	124	17	the	the	DET
bjmsr-2280	124	18	measurement	measurement	NOUN
bjmsr-2280	124	19	model	model	NOUN
bjmsr-2280	124	20	and	and	CCONJ
bjmsr-2280	124	21	an	an	DET
bjmsr-2280	124	22	evaluation	evaluation	NOUN
bjmsr-2280	124	23	of	of	ADP
bjmsr-2280	124	24	the	the	DET
bjmsr-2280	124	25	structural	structural	ADJ
bjmsr-2280	124	26	model	model	NOUN
bjmsr-2280	124	27	—	—	PUNCT
bjmsr-2280	124	28	was	be	AUX
bjmsr-2280	124	29	used	use	VERB
bjmsr-2280	124	30	to	to	PART
bjmsr-2280	124	31	analyze	analyze	VERB
bjmsr-2280	124	32	the	the	DET
bjmsr-2280	124	33	questionnaire	questionnaire	NOUN
bjmsr-2280	124	34	data	datum	NOUN
bjmsr-2280	124	35	.	.	PUNCT
bjmsr-2280	125	1	in	in	ADP
bjmsr-2280	125	2	the	the	DET
bjmsr-2280	125	3	research	research	NOUN
bjmsr-2280	125	4	model	model	NOUN
bjmsr-2280	125	5	,	,	PUNCT
bjmsr-2280	125	6	a	a	DET
bjmsr-2280	125	7	structural	structural	ADJ
bjmsr-2280	125	8	model	model	NOUN
bjmsr-2280	125	9	gives	give	VERB
bjmsr-2280	125	10	the	the	DET
bjmsr-2280	125	11	relationships	relationship	NOUN
bjmsr-2280	125	12	between	between	ADP
bjmsr-2280	125	13	the	the	DET
bjmsr-2280	125	14	exogenous	exogenous	ADJ
bjmsr-2280	125	15	and	and	CCONJ
bjmsr-2280	125	16	endogenous	endogenous	ADJ
bjmsr-2280	125	17	constructs	construct	NOUN
bjmsr-2280	125	18	,	,	PUNCT
bjmsr-2280	125	19	while	while	SCONJ
bjmsr-2280	125	20	a	a	DET
bjmsr-2280	125	21	measurement	measurement	NOUN
bjmsr-2280	125	22	model	model	NOUN
bjmsr-2280	125	23	illustrates	illustrate	VERB
bjmsr-2280	125	24	the	the	DET
bjmsr-2280	125	25	relationships	relationship	NOUN
bjmsr-2280	125	26	between	between	ADP
bjmsr-2280	125	27	the	the	DET
bjmsr-2280	125	28	items	item	NOUN
bjmsr-2280	125	29	and	and	CCONJ
bjmsr-2280	125	30	constructs	construct	NOUN
bjmsr-2280	125	31	.	.	PUNCT
bjmsr-2280	126	1	in	in	ADP
bjmsr-2280	126	2	figure	figure	NOUN
bjmsr-2280	126	3	2	2	NUM
bjmsr-2280	126	4	,	,	PUNCT
bjmsr-2280	126	5	the	the	DET
bjmsr-2280	126	6	measurement	measurement	NOUN
bjmsr-2280	126	7	model	model	NOUN
bjmsr-2280	126	8	is	be	AUX
bjmsr-2280	126	9	shown	show	VERB
bjmsr-2280	126	10	.	.	PUNCT
bjmsr-2280	127	1	according	accord	VERB
bjmsr-2280	127	2	to	to	ADP
bjmsr-2280	127	3	hair	hair	NOUN
bjmsr-2280	127	4	et	et	PROPN
bjmsr-2280	127	5	al	al	PROPN
bjmsr-2280	127	6	.	.	PROPN
bjmsr-2280	128	1	(	(	PUNCT
bjmsr-2280	128	2	2017	2017	NUM
bjmsr-2280	128	3	)	)	PUNCT
bjmsr-2280	128	4	,	,	PUNCT
bjmsr-2280	128	5	the	the	DET
bjmsr-2280	128	6	measurement	measurement	NOUN
bjmsr-2280	128	7	model	model	NOUN
bjmsr-2280	128	8	must	must	AUX
bjmsr-2280	128	9	evaluate	evaluate	VERB
bjmsr-2280	128	10	loadings	loading	NOUN
bjmsr-2280	128	11	,	,	PUNCT
bjmsr-2280	128	12	composite	composite	ADJ
bjmsr-2280	128	13	reliability	reliability	NOUN
bjmsr-2280	128	14	(	(	PUNCT
bjmsr-2280	128	15	cr	cr	NOUN
bjmsr-2280	128	16	)	)	PUNCT
bjmsr-2280	128	17	,	,	PUNCT
bjmsr-2280	128	18	and	and	CCONJ
bjmsr-2280	128	19	average	average	ADJ
bjmsr-2280	128	20	variance	variance	NOUN
bjmsr-2280	128	21	explained	explain	VERB
bjmsr-2280	128	22	(	(	PUNCT
bjmsr-2280	128	23	ave	ave	PROPN
bjmsr-2280	128	24	)	)	PUNCT
bjmsr-2280	128	25	to	to	PART
bjmsr-2280	128	26	meet	meet	VERB
bjmsr-2280	128	27	convergent	convergent	ADJ
bjmsr-2280	128	28	validity	validity	NOUN
bjmsr-2280	128	29	requirements	requirement	NOUN
bjmsr-2280	128	30	.	.	PUNCT
bjmsr-2280	129	1	the	the	DET
bjmsr-2280	129	2	loading	loading	NOUN
bjmsr-2280	129	3	,	,	PUNCT
bjmsr-2280	129	4	ave	ave	PROPN
bjmsr-2280	129	5	,	,	PUNCT
bjmsr-2280	129	6	and	and	CCONJ
bjmsr-2280	129	7	cr	cr	PROPN
bjmsr-2280	129	8	values	value	NOUN
bjmsr-2280	129	9	must	must	AUX
bjmsr-2280	129	10	all	all	PRON
bjmsr-2280	129	11	be	be	AUX
bjmsr-2280	129	12	at	at	ADV
bjmsr-2280	129	13	least	least	ADJ
bjmsr-2280	129	14	0.6	0.6	NUM
bjmsr-2280	129	15	,	,	PUNCT
bjmsr-2280	129	16	0.5	0.5	NUM
bjmsr-2280	129	17	,	,	PUNCT
bjmsr-2280	129	18	and	and	CCONJ
bjmsr-2280	129	19	0.7	0.7	NUM
bjmsr-2280	129	20	,	,	PUNCT
bjmsr-2280	129	21	respectively	respectively	ADV
bjmsr-2280	129	22	.	.	PUNCT
bjmsr-2280	129	23	table	table	NOUN
bjmsr-2280	129	24	2	2	NUM
bjmsr-2280	129	25	.	.	PUNCT
bjmsr-2280	130	1	the	the	DET
bjmsr-2280	130	2	measurement	measurement	NOUN
bjmsr-2280	130	3	model	model	PROPN
bjmsr-2280	130	4	assessment	assessment	NOUN
bjmsr-2280	130	5	constructs	construct	VERB
bjmsr-2280	130	6	measurement	measurement	NOUN
bjmsr-2280	130	7	items	item	NOUN
bjmsr-2280	130	8	loadings	loading	NOUN
bjmsr-2280	130	9	cronbach	cronbach	VERB
bjmsr-2280	130	10	’s	’s	ADV
bjmsr-2280	130	11	𝛼	𝛼	PROPN
bjmsr-2280	130	12	cr	cr	PROPN
bjmsr-2280	130	13	ave	ave	PROPN
bjmsr-2280	130	14	perceived	perceive	VERB
bjmsr-2280	130	15	risk	risk	NOUN
bjmsr-2280	130	16	pr1	pr1	NOUN
bjmsr-2280	130	17	0.748	0.748	NUM
bjmsr-2280	130	18	0.901	0.901	NUM
bjmsr-2280	130	19	0.918	0.918	NUM
bjmsr-2280	130	20	0.617	0.617	NUM
bjmsr-2280	130	21	pr2	pr2	NOUN
bjmsr-2280	130	22	0.717	0.717	NUM
bjmsr-2280	130	23	pr3	pr3	NOUN
bjmsr-2280	130	24	0.788	0.788	NUM
bjmsr-2280	130	25	pr4	pr4	PROPN
bjmsr-2280	130	26	0.784	0.784	NUM
bjmsr-2280	130	27	pr5	pr5	NOUN
bjmsr-2280	130	28	0.819	0.819	NUM
bjmsr-2280	130	29	pr6	pr6	NOUN
bjmsr-2280	130	30	0.843	0.843	NUM
bjmsr-2280	130	31	pr7	pr7	PROPN
bjmsr-2280	130	32	0.793	0.793	NUM
bjmsr-2280	130	33	trust	trust	NOUN
bjmsr-2280	130	34	in	in	ADP
bjmsr-2280	130	35	zakat	zakat	PROPN
bjmsr-2280	130	36	institution	institution	NOUN
bjmsr-2280	130	37	ti1	ti1	PROPN
bjmsr-2280	130	38	0.937	0.937	NUM
bjmsr-2280	130	39	0.950	0.950	NUM
bjmsr-2280	130	40	0.964	0.964	NUM
bjmsr-2280	130	41	0.870	0.870	NUM
bjmsr-2280	130	42	ti2	ti2	PROPN
bjmsr-2280	130	43	0.888	0.888	NUM
bjmsr-2280	130	44	t13	t13	NOUN
bjmsr-2280	130	45	0.963	0.963	NUM
bjmsr-2280	130	46	ti4	ti4	NOUN
bjmsr-2280	130	47	0.941	0.941	NUM
bjmsr-2280	130	48	zakat	zakat	PROPN
bjmsr-2280	130	49	literacy	literacy	NOUN
bjmsr-2280	130	50	zl1	zl1	PROPN
bjmsr-2280	130	51	0.883	0.883	NUM
bjmsr-2280	130	52	0.910	0.910	NUM
bjmsr-2280	130	53	0.936	0.936	NUM
bjmsr-2280	130	54	0.786	0.786	NUM
bjmsr-2280	130	55	zl2	zl2	NOUN
bjmsr-2280	130	56	0.905	0.905	NUM
bjmsr-2280	130	57	zl3	zl3	NOUN
bjmsr-2280	130	58	0.881	0.881	NUM
bjmsr-2280	130	59	zl4	zl4	NUM
bjmsr-2280	130	60	0.876	0.876	NUM
bjmsr-2280	130	61	perceived	perceive	VERB
bjmsr-2280	130	62	risk	risk	NOUN
bjmsr-2280	130	63	pr1	pr1	NOUN
bjmsr-2280	130	64	0.748	0.748	NUM
bjmsr-2280	130	65	0.901	0.901	NUM
bjmsr-2280	130	66	0.918	0.918	NUM
bjmsr-2280	130	67	0.617	0.617	NUM
bjmsr-2280	130	68	pr2	pr2	NOUN
bjmsr-2280	130	69	0.717	0.717	NUM
bjmsr-2280	130	70	pr3	pr3	NOUN
bjmsr-2280	130	71	0.788	0.788	NUM
bjmsr-2280	130	72	pr4	pr4	PROPN
bjmsr-2280	130	73	0.784	0.784	NUM
bjmsr-2280	130	74	pr5	pr5	NOUN
bjmsr-2280	130	75	0.819	0.819	NUM
bjmsr-2280	130	76	pr6	pr6	NOUN
bjmsr-2280	130	77	0.843	0.843	NUM
bjmsr-2280	130	78	pr7	pr7	NOUN
bjmsr-2280	130	79	0.793	0.793	NUM
bjmsr-2280	130	80	online	online	ADJ
bjmsr-2280	130	81	zakat	zakat	NOUN
bjmsr-2280	130	82	payment	payment	NOUN
bjmsr-2280	130	83	usage	usage	NOUN
bjmsr-2280	130	84	intention	intention	NOUN
bjmsr-2280	130	85	ozi1	ozi1	NOUN
bjmsr-2280	130	86	0.919	0.919	NUM
bjmsr-2280	130	87	0.905	0.905	NUM
bjmsr-2280	130	88	0.941	0.941	NUM
bjmsr-2280	130	89	0.841	0.841	NUM
bjmsr-2280	130	90	ozi2	ozi2	NOUN
bjmsr-2280	130	91	0.962	0.962	NUM
bjmsr-2280	130	92	ozi3	ozi3	VERB
bjmsr-2280	130	93	0.868	0.868	NUM
bjmsr-2280	130	94	table	table	NOUN
bjmsr-2280	130	95	2	2	NUM
bjmsr-2280	130	96	shows	show	VERB
bjmsr-2280	130	97	that	that	SCONJ
bjmsr-2280	130	98	the	the	DET
bjmsr-2280	130	99	loading	loading	NOUN
bjmsr-2280	130	100	,	,	PUNCT
bjmsr-2280	130	101	ave	ave	PROPN
bjmsr-2280	130	102	,	,	PUNCT
bjmsr-2280	130	103	and	and	CCONJ
bjmsr-2280	130	104	cr	cr	PROPN
bjmsr-2280	130	105	values	value	NOUN
bjmsr-2280	130	106	exceeded	exceed	VERB
bjmsr-2280	130	107	the	the	DET
bjmsr-2280	130	108	suggested	suggest	VERB
bjmsr-2280	130	109	values	value	NOUN
bjmsr-2280	130	110	,	,	PUNCT
bjmsr-2280	130	111	indicating	indicate	VERB
bjmsr-2280	130	112	that	that	SCONJ
bjmsr-2280	130	113	the	the	DET
bjmsr-2280	130	114	construct	construct	NOUN
bjmsr-2280	130	115	's	's	PART
bjmsr-2280	130	116	convergent	convergent	ADJ
bjmsr-2280	130	117	validity	validity	NOUN
bjmsr-2280	130	118	was	be	AUX
bjmsr-2280	130	119	satisfactory	satisfactory	ADJ
bjmsr-2280	130	120	.	.	PUNCT
bjmsr-2280	131	1	the	the	DET
bjmsr-2280	131	2	loading	loading	NOUN
bjmsr-2280	131	3	,	,	PUNCT
bjmsr-2280	131	4	ave	ave	PROPN
bjmsr-2280	131	5	,	,	PUNCT
bjmsr-2280	131	6	and	and	CCONJ
bjmsr-2280	131	7	cr	cr	NOUN
bjmsr-2280	131	8	ranges	range	NOUN
bjmsr-2280	131	9	were	be	AUX
bjmsr-2280	131	10	0.717	0.717	NUM
bjmsr-2280	131	11	to	to	ADP
bjmsr-2280	131	12	0.963	0.963	NUM
bjmsr-2280	131	13	,	,	PUNCT
bjmsr-2280	131	14	0.617	0.617	NUM
bjmsr-2280	131	15	to	to	ADP
bjmsr-2280	131	16	0.870	0.870	NUM
bjmsr-2280	131	17	,	,	PUNCT
bjmsr-2280	131	18	and	and	CCONJ
bjmsr-2280	131	19	0.918	0.918	NUM
bjmsr-2280	131	20	to	to	ADP
bjmsr-2280	131	21	0.964	0.964	NUM
bjmsr-2280	131	22	.	.	PUNCT
bjmsr-2280	132	1	therefore	therefore	ADV
bjmsr-2280	132	2	,	,	PUNCT
bjmsr-2280	132	3	these	these	DET
bjmsr-2280	132	4	findings	finding	NOUN
bjmsr-2280	132	5	suggested	suggest	VERB
bjmsr-2280	132	6	that	that	SCONJ
bjmsr-2280	132	7	convergent	convergent	NOUN
bjmsr-2280	132	8	validity	validity	NOUN
bjmsr-2280	132	9	had	have	AUX
bjmsr-2280	132	10	been	be	AUX
bjmsr-2280	132	11	attained	attain	VERB
bjmsr-2280	132	12	.	.	PUNCT
bjmsr-2280	133	1	in	in	ADP
bjmsr-2280	133	2	the	the	DET
bjmsr-2280	133	3	meantime	meantime	NOUN
bjmsr-2280	133	4	,	,	PUNCT
bjmsr-2280	133	5	the	the	DET
bjmsr-2280	133	6	heterotrait	heterotrait	NOUN
bjmsr-2280	133	7	monotrait	monotrait	PROPN
bjmsr-2280	133	8	(	(	PUNCT
bjmsr-2280	133	9	htmt	htmt	PROPN
bjmsr-2280	133	10	)	)	PUNCT
bjmsr-2280	133	11	ratio	ratio	NOUN
bjmsr-2280	133	12	of	of	ADP
bjmsr-2280	133	13	correlations	correlation	NOUN
bjmsr-2280	133	14	criterion	criterion	NOUN
bjmsr-2280	133	15	was	be	AUX
bjmsr-2280	133	16	used	use	VERB
bjmsr-2280	133	17	to	to	PART
bjmsr-2280	133	18	evaluate	evaluate	VERB
bjmsr-2280	133	19	the	the	DET
bjmsr-2280	133	20	discriminant	discriminant	ADJ
bjmsr-2280	133	21	validity	validity	NOUN
bjmsr-2280	133	22	of	of	ADP
bjmsr-2280	133	23	the	the	DET
bjmsr-2280	133	24	model	model	NOUN
bjmsr-2280	133	25	to	to	PART
bjmsr-2280	133	26	ascertain	ascertain	VERB
bjmsr-2280	133	27	whether	whether	SCONJ
bjmsr-2280	133	28	each	each	DET
bjmsr-2280	133	29	construct	construct	NOUN
bjmsr-2280	133	30	was	be	AUX
bjmsr-2280	133	31	distinct	distinct	ADJ
bjmsr-2280	133	32	from	from	ADP
bjmsr-2280	133	33	the	the	DET
bjmsr-2280	133	34	other	other	ADJ
bjmsr-2280	133	35	constructs	construct	NOUN
bjmsr-2280	133	36	in	in	ADP
bjmsr-2280	133	37	the	the	DET
bjmsr-2280	133	38	established	establish	VERB
bjmsr-2280	133	39	model	model	NOUN
bjmsr-2280	133	40	,	,	PUNCT
bjmsr-2280	133	41	implying	imply	VERB
bjmsr-2280	133	42	that	that	SCONJ
bjmsr-2280	133	43	each	each	DET
bjmsr-2280	133	44	construct	construct	NOUN
bjmsr-2280	133	45	in	in	ADP
bjmsr-2280	133	46	the	the	DET
bjmsr-2280	133	47	model	model	NOUN
bjmsr-2280	133	48	was	be	AUX
bjmsr-2280	133	49	unique	unique	ADJ
bjmsr-2280	133	50	(	(	PUNCT
bjmsr-2280	133	51	hair	hair	NOUN
bjmsr-2280	133	52	et	et	PROPN
bjmsr-2280	133	53	al	al	PROPN
bjmsr-2280	133	54	.	.	PROPN
bjmsr-2280	133	55	,	,	PUNCT
bjmsr-2280	133	56	2017	2017	NUM
bjmsr-2280	133	57	)	)	PUNCT
bjmsr-2280	133	58	.	.	PUNCT
bjmsr-2280	134	1	table	table	NOUN
bjmsr-2280	134	2	3	3	NUM
bjmsr-2280	134	3	.	.	PUNCT
bjmsr-2280	134	4	measurement	measurement	PROPN
bjmsr-2280	134	5	model	model	PROPN
bjmsr-2280	134	6	’s	’s	PART
bjmsr-2280	134	7	discriminant	discriminant	ADJ
bjmsr-2280	134	8	validity	validity	NOUN
bjmsr-2280	134	9	–	–	PUNCT
bjmsr-2280	134	10	htmt	htmt	NOUN
bjmsr-2280	134	11	constructs	construct	VERB
bjmsr-2280	134	12	online	online	ADJ
bjmsr-2280	134	13	zakat	zakat	NOUN
bjmsr-2280	134	14	payment	payment	NOUN
bjmsr-2280	134	15	usage	usage	NOUN
bjmsr-2280	134	16	intention	intention	NOUN
bjmsr-2280	134	17	perceived	perceive	VERB
bjmsr-2280	134	18	risk	risk	NOUN
bjmsr-2280	134	19	prior	prior	ADJ
bjmsr-2280	134	20	experience	experience	NOUN
bjmsr-2280	134	21	online	online	PROPN
bjmsr-2280	134	22	zakat	zakat	PROPN
bjmsr-2280	134	23	trust	trust	PROPN
bjmsr-2280	134	24	in	in	ADP
bjmsr-2280	134	25	zakat	zakat	NOUN
bjmsr-2280	134	26	institution	institution	NOUN
bjmsr-2280	134	27	zakat	zakat	NOUN
bjmsr-2280	134	28	literacy	literacy	NOUN
bjmsr-2280	134	29	online	online	ADJ
bjmsr-2280	134	30	zakat	zakat	NOUN
bjmsr-2280	134	31	payment	payment	NOUN
bjmsr-2280	134	32	usage	usage	NOUN
bjmsr-2280	134	33	intention	intention	NOUN
bjmsr-2280	134	34	perceived	perceive	VERB
bjmsr-2280	134	35	risk	risk	NOUN
bjmsr-2280	134	36	0.314	0.314	NUM
bjmsr-2280	134	37	prior	prior	ADJ
bjmsr-2280	134	38	experience	experience	NOUN
bjmsr-2280	134	39	online	online	PROPN
bjmsr-2280	134	40	zakat	zakat	PROPN
bjmsr-2280	134	41	0.595	0.595	NUM
bjmsr-2280	134	42	0.353	0.353	NUM
bjmsr-2280	134	43	trust	trust	NOUN
bjmsr-2280	134	44	in	in	ADP
bjmsr-2280	134	45	zakat	zakat	NOUN
bjmsr-2280	134	46	institution	institution	NOUN
bjmsr-2280	134	47	0.418	0.418	NUM
bjmsr-2280	134	48	0.164	0.164	NUM
bjmsr-2280	134	49	0.100	0.100	NUM
bjmsr-2280	134	50	zakat	zakat	NOUN
bjmsr-2280	134	51	literacy	literacy	NOUN
bjmsr-2280	134	52	0.394	0.394	NUM
bjmsr-2280	134	53	0.098	0.098	NUM
bjmsr-2280	134	54	0.046	0.046	NUM
bjmsr-2280	134	55	0.669	0.669	NUM
bjmsr-2280	134	56	table	table	NOUN
bjmsr-2280	134	57	4	4	NUM
bjmsr-2280	134	58	.	.	PUNCT
bjmsr-2280	134	59	measurement	measurement	NOUN
bjmsr-2280	134	60	model	model	PROPN
bjmsr-2280	134	61	’s	’s	PART
bjmsr-2280	134	62	discriminant	discriminant	ADJ
bjmsr-2280	134	63	validity	validity	NOUN
bjmsr-2280	134	64	fornell	fornell	NOUN
bjmsr-2280	134	65	and	and	CCONJ
bjmsr-2280	134	66	larcker	larcker	NOUN
bjmsr-2280	134	67	constructs	construct	VERB
bjmsr-2280	134	68	online	online	ADJ
bjmsr-2280	134	69	zakat	zakat	NOUN
bjmsr-2280	134	70	payment	payment	NOUN
bjmsr-2280	134	71	usage	usage	NOUN
bjmsr-2280	134	72	intention	intention	NOUN
bjmsr-2280	134	73	perceived	perceive	VERB
bjmsr-2280	134	74	risk	risk	NOUN
bjmsr-2280	134	75	prior	prior	ADJ
bjmsr-2280	134	76	experience	experience	NOUN
bjmsr-2280	134	77	online	online	PROPN
bjmsr-2280	134	78	zakat	zakat	PROPN
bjmsr-2280	134	79	trust	trust	PROPN
bjmsr-2280	134	80	in	in	ADP
bjmsr-2280	134	81	zakat	zakat	NOUN
bjmsr-2280	134	82	institution	institution	NOUN
bjmsr-2280	134	83	zakat	zakat	NOUN
bjmsr-2280	134	84	literacy	literacy	NOUN
bjmsr-2280	134	85	online	online	ADJ
bjmsr-2280	134	86	zakat	zakat	NOUN
bjmsr-2280	134	87	payment	payment	NOUN
bjmsr-2280	134	88	usage	usage	NOUN
bjmsr-2280	134	89	intention	intention	NOUN
bjmsr-2280	134	90	0.917	0.917	NUM
bjmsr-2280	134	91	perceived	perceive	VERB
bjmsr-2280	134	92	risk	risk	NOUN
bjmsr-2280	134	93	-0.320	-0.320	NUM
bjmsr-2280	134	94	0.786	0.786	NUM
bjmsr-2280	134	95	prior	prior	ADJ
bjmsr-2280	134	96	experience	experience	NOUN
bjmsr-2280	134	97	online	online	PROPN
bjmsr-2280	134	98	zakat	zakat	PROPN
bjmsr-2280	134	99	0.570	0.570	NUM
bjmsr-2280	134	100	-0.337	-0.337	NOUN
bjmsr-2280	134	101	1	1	NUM
bjmsr-2280	134	102	trust	trust	NOUN
bjmsr-2280	134	103	in	in	ADP
bjmsr-2280	134	104	zakat	zakat	PROPN
bjmsr-2280	134	105	institution	institution	NOUN
bjmsr-2280	134	106	0.395	0.395	NUM
bjmsr-2280	134	107	-0.029	-0.029	NOUN
bjmsr-2280	134	108	0.1	0.1	NUM
bjmsr-2280	134	109	0.933	0.933	NUM
bjmsr-2280	134	110	zakat	zakat	NOUN
bjmsr-2280	134	111	literacy	literacy	NOUN
bjmsr-2280	134	112	0.364	0.364	NUM
bjmsr-2280	134	113	-0.017	-0.017	ADP
bjmsr-2280	134	114	0.046	0.046	NUM
bjmsr-2280	134	115	0.638	0.638	NUM
bjmsr-2280	134	116	0.886	0.886	NUM
bjmsr-2280	134	117	rahman	rahman	PROPN
bjmsr-2280	134	118	et	et	PROPN
bjmsr-2280	134	119	al	al	PROPN
bjmsr-2280	134	120	.	.	PROPN
bjmsr-2280	134	121	,	,	PUNCT
bjmsr-2280	134	122	bangladesh	bangladesh	PROPN
bjmsr-2280	134	123	journal	journal	NOUN
bjmsr-2280	134	124	of	of	ADP
bjmsr-2280	134	125	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	134	126	scientific	scientific	ADJ
bjmsr-2280	134	127	research	research	NOUN
bjmsr-2280	134	128	10(1	10(1	NUM
bjmsr-2280	134	129	)	)	PUNCT
bjmsr-2280	134	130	(	(	PUNCT
bjmsr-2280	134	131	2025	2025	NUM
bjmsr-2280	134	132	)	)	PUNCT
bjmsr-2280	134	133	,	,	PUNCT
bjmsr-2280	134	134	1	1	NUM
bjmsr-2280	134	135	-	-	SYM
bjmsr-2280	134	136	10	10	NUM
bjmsr-2280	134	137	6	6	NUM
bjmsr-2280	134	138	table	table	NOUN
bjmsr-2280	134	139	3	3	NUM
bjmsr-2280	134	140	illustrates	illustrate	VERB
bjmsr-2280	134	141	that	that	SCONJ
bjmsr-2280	134	142	every	every	DET
bjmsr-2280	134	143	htmt	htmt	NOUN
bjmsr-2280	134	144	value	value	NOUN
bjmsr-2280	134	145	was	be	AUX
bjmsr-2280	134	146	below	below	ADP
bjmsr-2280	134	147	the	the	DET
bjmsr-2280	134	148	0.90	0.90	NUM
bjmsr-2280	134	149	cut	cut	VERB
bjmsr-2280	134	150	-	-	PUNCT
bjmsr-2280	134	151	off	off	ADP
bjmsr-2280	134	152	value	value	NOUN
bjmsr-2280	134	153	(	(	PUNCT
bjmsr-2280	134	154	hair	hair	NOUN
bjmsr-2280	134	155	et	et	PROPN
bjmsr-2280	134	156	al	al	PROPN
bjmsr-2280	134	157	.	.	PROPN
bjmsr-2280	134	158	,	,	PUNCT
bjmsr-2280	134	159	2017	2017	NUM
bjmsr-2280	134	160	)	)	PUNCT
bjmsr-2280	134	161	.	.	PUNCT
bjmsr-2280	135	1	in	in	ADP
bjmsr-2280	135	2	addition	addition	NOUN
bjmsr-2280	135	3	,	,	PUNCT
bjmsr-2280	135	4	table	table	NOUN
bjmsr-2280	135	5	4	4	NUM
bjmsr-2280	135	6	details	detail	NOUN
bjmsr-2280	135	7	the	the	DET
bjmsr-2280	135	8	evaluation	evaluation	NOUN
bjmsr-2280	135	9	of	of	ADP
bjmsr-2280	135	10	discriminant	discriminant	ADJ
bjmsr-2280	135	11	validity	validity	NOUN
bjmsr-2280	135	12	utilizing	utilize	VERB
bjmsr-2280	135	13	the	the	DET
bjmsr-2280	135	14	fornell	fornell	NOUN
bjmsr-2280	135	15	and	and	CCONJ
bjmsr-2280	135	16	larcker	larcker	NOUN
bjmsr-2280	135	17	to	to	PART
bjmsr-2280	135	18	ascertain	ascertain	VERB
bjmsr-2280	135	19	whether	whether	SCONJ
bjmsr-2280	135	20	every	every	DET
bjmsr-2280	135	21	construct	construct	NOUN
bjmsr-2280	135	22	seen	see	VERB
bjmsr-2280	135	23	in	in	ADP
bjmsr-2280	135	24	this	this	DET
bjmsr-2280	135	25	investigation	investigation	NOUN
bjmsr-2280	135	26	is	be	AUX
bjmsr-2280	135	27	devoid	devoid	ADJ
bjmsr-2280	135	28	of	of	ADP
bjmsr-2280	135	29	unidimensionality	unidimensionality	NOUN
bjmsr-2280	135	30	.	.	PUNCT
bjmsr-2280	136	1	the	the	DET
bjmsr-2280	136	2	findings	finding	NOUN
bjmsr-2280	136	3	show	show	VERB
bjmsr-2280	136	4	that	that	SCONJ
bjmsr-2280	136	5	there	there	PRON
bjmsr-2280	136	6	was	be	VERB
bjmsr-2280	136	7	a	a	DET
bjmsr-2280	136	8	more	more	ADV
bjmsr-2280	136	9	excellent	excellent	ADJ
bjmsr-2280	136	10	square	square	ADJ
bjmsr-2280	136	11	value	value	NOUN
bjmsr-2280	136	12	for	for	ADP
bjmsr-2280	136	13	ave	ave	NOUN
bjmsr-2280	136	14	than	than	SCONJ
bjmsr-2280	136	15	there	there	PRON
bjmsr-2280	136	16	was	be	VERB
bjmsr-2280	136	17	for	for	ADP
bjmsr-2280	136	18	the	the	DET
bjmsr-2280	136	19	correlation	correlation	NOUN
bjmsr-2280	136	20	between	between	ADP
bjmsr-2280	136	21	the	the	DET
bjmsr-2280	136	22	components	component	NOUN
bjmsr-2280	136	23	.	.	PUNCT
bjmsr-2280	137	1	therefore	therefore	ADV
bjmsr-2280	137	2	,	,	PUNCT
bjmsr-2280	137	3	these	these	DET
bjmsr-2280	137	4	findings	finding	NOUN
bjmsr-2280	137	5	showed	show	VERB
bjmsr-2280	137	6	that	that	SCONJ
bjmsr-2280	137	7	the	the	DET
bjmsr-2280	137	8	model	model	NOUN
bjmsr-2280	137	9	complied	comply	VERB
bjmsr-2280	137	10	with	with	ADP
bjmsr-2280	137	11	the	the	DET
bjmsr-2280	137	12	suggested	suggest	VERB
bjmsr-2280	137	13	specifications	specification	NOUN
bjmsr-2280	137	14	and	and	CCONJ
bjmsr-2280	137	15	that	that	SCONJ
bjmsr-2280	137	16	discriminant	discriminant	ADJ
bjmsr-2280	137	17	validity	validity	NOUN
bjmsr-2280	137	18	for	for	ADP
bjmsr-2280	137	19	each	each	PRON
bjmsr-2280	137	20	of	of	ADP
bjmsr-2280	137	21	the	the	DET
bjmsr-2280	137	22	study	study	NOUN
bjmsr-2280	137	23	's	's	PART
bjmsr-2280	137	24	constructs	construct	NOUN
bjmsr-2280	137	25	was	be	AUX
bjmsr-2280	137	26	verified	verify	VERB
bjmsr-2280	137	27	.	.	PUNCT
bjmsr-2280	138	1	assessment	assessment	NOUN
bjmsr-2280	138	2	of	of	ADP
bjmsr-2280	138	3	the	the	DET
bjmsr-2280	138	4	structural	structural	ADJ
bjmsr-2280	138	5	model	model	NOUN
bjmsr-2280	138	6	the	the	DET
bjmsr-2280	138	7	four	four	NUM
bjmsr-2280	138	8	hypotheses	hypothesis	NOUN
bjmsr-2280	138	9	were	be	AUX
bjmsr-2280	138	10	tested	test	VERB
bjmsr-2280	138	11	by	by	ADP
bjmsr-2280	138	12	a	a	DET
bjmsr-2280	138	13	structural	structural	ADJ
bjmsr-2280	138	14	model	model	NOUN
bjmsr-2280	138	15	analysis	analysis	NOUN
bjmsr-2280	138	16	that	that	PRON
bjmsr-2280	138	17	followed	follow	VERB
bjmsr-2280	138	18	the	the	DET
bjmsr-2280	138	19	validation	validation	NOUN
bjmsr-2280	138	20	of	of	ADP
bjmsr-2280	138	21	the	the	DET
bjmsr-2280	138	22	measurement	measurement	NOUN
bjmsr-2280	138	23	model	model	NOUN
bjmsr-2280	138	24	.	.	PUNCT
bjmsr-2280	139	1	hair	hair	NOUN
bjmsr-2280	139	2	et	et	PROPN
bjmsr-2280	139	3	al	al	PROPN
bjmsr-2280	139	4	.	.	PROPN
bjmsr-2280	140	1	(	(	PUNCT
bjmsr-2280	140	2	2017	2017	NUM
bjmsr-2280	140	3	)	)	PUNCT
bjmsr-2280	140	4	recommended	recommend	VERB
bjmsr-2280	140	5	that	that	SCONJ
bjmsr-2280	140	6	the	the	DET
bjmsr-2280	140	7	direction	direction	NOUN
bjmsr-2280	140	8	of	of	ADP
bjmsr-2280	140	9	the	the	DET
bjmsr-2280	140	10	beta	beta	NOUN
bjmsr-2280	140	11	value	value	NOUN
bjmsr-2280	140	12	,	,	PUNCT
bjmsr-2280	140	13	the	the	DET
bjmsr-2280	140	14	significant	significant	ADJ
bjmsr-2280	140	15	level	level	NOUN
bjmsr-2280	140	16	of	of	ADP
bjmsr-2280	140	17	the	the	DET
bjmsr-2280	140	18	t	t	NOUN
bjmsr-2280	140	19	-	-	PUNCT
bjmsr-2280	140	20	values	value	NOUN
bjmsr-2280	140	21	,	,	PUNCT
bjmsr-2280	140	22	and	and	CCONJ
bjmsr-2280	140	23	the	the	DET
bjmsr-2280	140	24	p	p	NOUN
bjmsr-2280	140	25	-	-	PUNCT
bjmsr-2280	140	26	value	value	NOUN
bjmsr-2280	140	27	were	be	AUX
bjmsr-2280	140	28	all	all	PRON
bjmsr-2280	140	29	considered	consider	VERB
bjmsr-2280	140	30	in	in	ADP
bjmsr-2280	140	31	the	the	DET
bjmsr-2280	140	32	structural	structural	ADJ
bjmsr-2280	140	33	model	model	NOUN
bjmsr-2280	140	34	assessment	assessment	NOUN
bjmsr-2280	140	35	.	.	PUNCT
bjmsr-2280	141	1	a	a	DET
bjmsr-2280	141	2	bootstrapping	bootstrappe	VERB
bjmsr-2280	141	3	technique	technique	NOUN
bjmsr-2280	141	4	with	with	ADP
bjmsr-2280	141	5	a	a	DET
bjmsr-2280	141	6	5,000	5,000	NUM
bjmsr-2280	141	7	resampling	resampling	NOUN
bjmsr-2280	141	8	was	be	AUX
bjmsr-2280	141	9	carried	carry	VERB
bjmsr-2280	141	10	out	out	ADP
bjmsr-2280	141	11	to	to	PART
bjmsr-2280	141	12	test	test	VERB
bjmsr-2280	141	13	the	the	DET
bjmsr-2280	141	14	direct	direct	ADJ
bjmsr-2280	141	15	effect	effect	NOUN
bjmsr-2280	141	16	.	.	PUNCT
bjmsr-2280	142	1	the	the	DET
bjmsr-2280	142	2	study	study	NOUN
bjmsr-2280	142	3	's	's	PART
bjmsr-2280	142	4	structural	structural	ADJ
bjmsr-2280	142	5	model	model	NOUN
bjmsr-2280	142	6	is	be	AUX
bjmsr-2280	142	7	shown	show	VERB
bjmsr-2280	142	8	in	in	ADP
bjmsr-2280	142	9	figure	figure	NOUN
bjmsr-2280	142	10	2	2	NUM
bjmsr-2280	142	11	.	.	PUNCT
bjmsr-2280	143	1	the	the	DET
bjmsr-2280	143	2	results	result	NOUN
bjmsr-2280	143	3	of	of	ADP
bjmsr-2280	143	4	the	the	DET
bjmsr-2280	143	5	hypothesis	hypothesis	NOUN
bjmsr-2280	143	6	test	test	NOUN
bjmsr-2280	143	7	are	be	AUX
bjmsr-2280	143	8	shown	show	VERB
bjmsr-2280	143	9	in	in	ADP
bjmsr-2280	143	10	table	table	NOUN
bjmsr-2280	143	11	5	5	NUM
bjmsr-2280	143	12	.	.	PUNCT
bjmsr-2280	143	13	table	table	NOUN
bjmsr-2280	143	14	5	5	NUM
bjmsr-2280	143	15	.	.	PUNCT
bjmsr-2280	143	16	structural	structural	ADJ
bjmsr-2280	143	17	model	model	NOUN
bjmsr-2280	143	18	assessment	assessment	NOUN
bjmsr-2280	143	19	and	and	CCONJ
bjmsr-2280	143	20	hypothesis	hypothesis	NOUN
bjmsr-2280	143	21	testing	testing	NOUN
bjmsr-2280	143	22	hypothesis	hypothesis	NOUN
bjmsr-2280	143	23	relationship	relationship	NOUN
bjmsr-2280	143	24	beta	beta	ADJ
bjmsr-2280	143	25	std	std	NOUN
bjmsr-2280	143	26	deviation	deviation	NOUN
bjmsr-2280	143	27	t	t	NOUN
bjmsr-2280	143	28	value	value	NOUN
bjmsr-2280	143	29	p	p	ADJ
bjmsr-2280	143	30	-	-	PUNCT
bjmsr-2280	143	31	value	value	NOUN
bjmsr-2280	143	32	decision	decision	NOUN
bjmsr-2280	143	33	h1	h1	NOUN
bjmsr-2280	143	34	perceived	perceive	VERB
bjmsr-2280	143	35	risk	risk	NOUN
bjmsr-2280	143	36	-	-	PUNCT
bjmsr-2280	143	37	>	>	X
bjmsr-2280	143	38	online	online	ADJ
bjmsr-2280	143	39	zakat	zakat	NOUN
bjmsr-2280	143	40	payment	payment	NOUN
bjmsr-2280	143	41	usage	usage	NOUN
bjmsr-2280	143	42	intention	intention	NOUN
bjmsr-2280	143	43	-0.145	-0.145	NOUN
bjmsr-2280	143	44	0.075	0.075	NUM
bjmsr-2280	143	45	1.977	1.977	NUM
bjmsr-2280	143	46	0.042	0.042	NUM
bjmsr-2280	143	47	supported	support	VERB
bjmsr-2280	143	48	h2	h2	NOUN
bjmsr-2280	143	49	trust	trust	NOUN
bjmsr-2280	143	50	on	on	ADP
bjmsr-2280	143	51	zakat	zakat	NOUN
bjmsr-2280	143	52	institution	institution	NOUN
bjmsr-2280	143	53	-	-	PUNCT
bjmsr-2280	143	54	>	>	X
bjmsr-2280	143	55	online	online	ADJ
bjmsr-2280	143	56	zakat	zakat	NOUN
bjmsr-2280	143	57	payment	payment	NOUN
bjmsr-2280	143	58	usage	usage	NOUN
bjmsr-2280	143	59	intention	intention	NOUN
bjmsr-2280	144	1	0.211	0.211	NUM
bjmsr-2280	144	2	0.076	0.076	NUM
bjmsr-2280	144	3	2.757	2.757	NUM
bjmsr-2280	144	4	0.006	0.006	NUM
bjmsr-2280	144	5	supported	support	VERB
bjmsr-2280	144	6	h3	h3	NOUN
bjmsr-2280	144	7	zakat	zakat	NOUN
bjmsr-2280	144	8	literacy	literacy	NOUN
bjmsr-2280	144	9	-	-	PUNCT
bjmsr-2280	144	10	>	>	X
bjmsr-2280	144	11	online	online	ADJ
bjmsr-2280	144	12	zakat	zakat	NOUN
bjmsr-2280	144	13	payment	payment	NOUN
bjmsr-2280	144	14	usage	usage	NOUN
bjmsr-2280	144	15	intention	intention	NOUN
bjmsr-2280	144	16	0.205	0.205	NUM
bjmsr-2280	144	17	0.107	0.107	NUM
bjmsr-2280	144	18	1.998	1.998	NUM
bjmsr-2280	144	19	0.039	0.039	NUM
bjmsr-2280	144	20	supported	support	VERB
bjmsr-2280	144	21	h4	h4	PROPN
bjmsr-2280	144	22	prior	prior	ADJ
bjmsr-2280	144	23	experience	experience	NOUN
bjmsr-2280	144	24	online	online	ADV
bjmsr-2280	144	25	zakat	zakat	PROPN
bjmsr-2280	144	26	-	-	PUNCT
bjmsr-2280	144	27	>	>	X
bjmsr-2280	144	28	online	online	ADJ
bjmsr-2280	144	29	zakat	zakat	NOUN
bjmsr-2280	144	30	payment	payment	NOUN
bjmsr-2280	144	31	usage	usage	NOUN
bjmsr-2280	144	32	intention	intention	NOUN
bjmsr-2280	144	33	1.158	1.158	NUM
bjmsr-2280	144	34	0.189	0.189	NUM
bjmsr-2280	144	35	6.118	6.118	NUM
bjmsr-2280	144	36	0.000	0.000	NUM
bjmsr-2280	144	37	supported	support	VERB
bjmsr-2280	144	38	in	in	ADP
bjmsr-2280	144	39	particular	particular	ADJ
bjmsr-2280	144	40	,	,	PUNCT
bjmsr-2280	144	41	the	the	DET
bjmsr-2280	144	42	hypothesis	hypothesis	NOUN
bjmsr-2280	144	43	for	for	ADP
bjmsr-2280	144	44	h1	h1	NOUN
bjmsr-2280	144	45	was	be	AUX
bjmsr-2280	144	46	that	that	SCONJ
bjmsr-2280	144	47	perceived	perceive	VERB
bjmsr-2280	144	48	risk	risk	NOUN
bjmsr-2280	144	49	would	would	AUX
bjmsr-2280	144	50	negatively	negatively	ADV
bjmsr-2280	144	51	impact	impact	VERB
bjmsr-2280	144	52	the	the	DET
bjmsr-2280	144	53	intention	intention	NOUN
bjmsr-2280	144	54	to	to	PART
bjmsr-2280	144	55	pay	pay	VERB
bjmsr-2280	144	56	for	for	ADP
bjmsr-2280	144	57	zakat	zakat	NOUN
bjmsr-2280	144	58	online	online	ADV
bjmsr-2280	144	59	.	.	PUNCT
bjmsr-2280	145	1	the	the	DET
bjmsr-2280	145	2	results	result	NOUN
bjmsr-2280	145	3	showed	show	VERB
bjmsr-2280	145	4	a	a	DET
bjmsr-2280	145	5	significant	significant	ADJ
bjmsr-2280	145	6	negative	negative	ADJ
bjmsr-2280	145	7	correlation	correlation	NOUN
bjmsr-2280	145	8	(	(	PUNCT
bjmsr-2280	145	9	β=	β=	NOUN
bjmsr-2280	145	10	-0.145	-0.145	ADJ
bjmsr-2280	145	11	,	,	PUNCT
bjmsr-2280	145	12	t	t	PROPN
bjmsr-2280	145	13	=	=	SYM
bjmsr-2280	145	14	1.977	1.977	NUM
bjmsr-2280	145	15	,	,	PUNCT
bjmsr-2280	145	16	p	p	X
bjmsr-2280	145	17	<	<	X
bjmsr-2280	145	18	0.05	0.05	NUM
bjmsr-2280	145	19	)	)	PUNCT
bjmsr-2280	145	20	.	.	PUNCT
bjmsr-2280	146	1	h1	h1	PROPN
bjmsr-2280	146	2	was	be	AUX
bjmsr-2280	146	3	therefore	therefore	ADV
bjmsr-2280	146	4	supported	support	VERB
bjmsr-2280	146	5	.	.	PUNCT
bjmsr-2280	147	1	regarding	regard	VERB
bjmsr-2280	147	2	h2	h2	PROPN
bjmsr-2280	147	3	,	,	PUNCT
bjmsr-2280	147	4	which	which	PRON
bjmsr-2280	147	5	posited	posit	VERB
bjmsr-2280	147	6	that	that	PRON
bjmsr-2280	147	7	trust	trust	NOUN
bjmsr-2280	147	8	in	in	ADP
bjmsr-2280	147	9	zakat	zakat	NOUN
bjmsr-2280	147	10	institutions	institution	NOUN
bjmsr-2280	147	11	would	would	AUX
bjmsr-2280	147	12	positively	positively	ADV
bjmsr-2280	147	13	influence	influence	VERB
bjmsr-2280	147	14	online	online	ADJ
bjmsr-2280	147	15	zakat	zakat	NOUN
bjmsr-2280	147	16	payment	payment	NOUN
bjmsr-2280	147	17	intention	intention	NOUN
bjmsr-2280	147	18	,	,	PUNCT
bjmsr-2280	147	19	consistent	consistent	ADJ
bjmsr-2280	147	20	with	with	ADP
bjmsr-2280	147	21	the	the	DET
bjmsr-2280	147	22	prediction	prediction	NOUN
bjmsr-2280	147	23	,	,	PUNCT
bjmsr-2280	147	24	the	the	DET
bjmsr-2280	147	25	result	result	NOUN
bjmsr-2280	147	26	was	be	AUX
bjmsr-2280	147	27	positive	positive	ADJ
bjmsr-2280	147	28	and	and	CCONJ
bjmsr-2280	147	29	significant	significant	ADJ
bjmsr-2280	147	30	(	(	PUNCT
bjmsr-2280	147	31	β=	β=	NOUN
bjmsr-2280	147	32	0.211	0.211	NUM
bjmsr-2280	147	33	,	,	PUNCT
bjmsr-2280	147	34	t	t	NOUN
bjmsr-2280	147	35	=	=	PUNCT
bjmsr-2280	147	36	2.757	2.757	NUM
bjmsr-2280	147	37	,	,	PUNCT
bjmsr-2280	147	38	p	p	X
bjmsr-2280	147	39	>	>	NOUN
bjmsr-2280	147	40	0.05	0.05	NUM
bjmsr-2280	147	41	)	)	PUNCT
bjmsr-2280	147	42	.	.	PUNCT
bjmsr-2280	148	1	h2	h2	PROPN
bjmsr-2280	148	2	was	be	AUX
bjmsr-2280	148	3	therefore	therefore	ADV
bjmsr-2280	148	4	supported	support	VERB
bjmsr-2280	148	5	.	.	PUNCT
bjmsr-2280	149	1	regarding	regard	VERB
bjmsr-2280	149	2	hypothesis	hypothesis	NOUN
bjmsr-2280	149	3	h3	h3	NOUN
bjmsr-2280	149	4	,	,	PUNCT
bjmsr-2280	149	5	which	which	PRON
bjmsr-2280	149	6	predicted	predict	VERB
bjmsr-2280	149	7	that	that	SCONJ
bjmsr-2280	149	8	zakat	zakat	NOUN
bjmsr-2280	149	9	literacy	literacy	NOUN
bjmsr-2280	149	10	would	would	AUX
bjmsr-2280	149	11	positively	positively	ADV
bjmsr-2280	149	12	influence	influence	VERB
bjmsr-2280	149	13	online	online	ADJ
bjmsr-2280	149	14	zakat	zakat	NOUN
bjmsr-2280	149	15	payment	payment	NOUN
bjmsr-2280	149	16	intention	intention	NOUN
bjmsr-2280	149	17	,	,	PUNCT
bjmsr-2280	149	18	the	the	DET
bjmsr-2280	149	19	findings	finding	NOUN
bjmsr-2280	149	20	corroborated	corroborate	VERB
bjmsr-2280	149	21	this	this	DET
bjmsr-2280	149	22	hypothesis	hypothesis	NOUN
bjmsr-2280	149	23	(	(	PUNCT
bjmsr-2280	149	24	β=	β=	NOUN
bjmsr-2280	149	25	0.205	0.205	NUM
bjmsr-2280	149	26	,	,	PUNCT
bjmsr-2280	149	27	t	t	NOUN
bjmsr-2280	149	28	=	=	NUM
bjmsr-2280	149	29	1.998	1.998	NUM
bjmsr-2280	149	30	,	,	PUNCT
bjmsr-2280	149	31	p	p	X
bjmsr-2280	149	32	<	<	X
bjmsr-2280	149	33	0.05	0.05	NUM
bjmsr-2280	149	34	)	)	PUNCT
bjmsr-2280	149	35	.	.	PUNCT
bjmsr-2280	150	1	lastly	lastly	ADV
bjmsr-2280	150	2	,	,	PUNCT
bjmsr-2280	150	3	concerning	concern	VERB
bjmsr-2280	150	4	h4	h4	NOUN
bjmsr-2280	150	5	,	,	PUNCT
bjmsr-2280	150	6	which	which	PRON
bjmsr-2280	150	7	predicted	predict	VERB
bjmsr-2280	150	8	that	that	SCONJ
bjmsr-2280	150	9	prior	prior	ADJ
bjmsr-2280	150	10	experience	experience	NOUN
bjmsr-2280	150	11	online	online	ADJ
bjmsr-2280	150	12	zakat	zakat	PROPN
bjmsr-2280	150	13	would	would	AUX
bjmsr-2280	150	14	positively	positively	ADV
bjmsr-2280	150	15	influence	influence	VERB
bjmsr-2280	150	16	online	online	ADJ
bjmsr-2280	150	17	zakat	zakat	NOUN
bjmsr-2280	150	18	payment	payment	NOUN
bjmsr-2280	150	19	intention	intention	NOUN
bjmsr-2280	150	20	,	,	PUNCT
bjmsr-2280	150	21	the	the	DET
bjmsr-2280	150	22	findings	finding	NOUN
bjmsr-2280	150	23	indicated	indicate	VERB
bjmsr-2280	150	24	that	that	SCONJ
bjmsr-2280	150	25	previous	previous	ADJ
bjmsr-2280	150	26	online	online	ADJ
bjmsr-2280	150	27	zakat	zakat	NOUN
bjmsr-2280	150	28	experience	experience	NOUN
bjmsr-2280	150	29	positively	positively	ADV
bjmsr-2280	150	30	influenced	influence	VERB
bjmsr-2280	150	31	such	such	ADJ
bjmsr-2280	150	32	intention	intention	NOUN
bjmsr-2280	150	33	(	(	PUNCT
bjmsr-2280	150	34	β	β	X
bjmsr-2280	150	35	=	=	NUM
bjmsr-2280	150	36	1.158	1.158	NUM
bjmsr-2280	150	37	,	,	PUNCT
bjmsr-2280	150	38	t	t	PROPN
bjmsr-2280	150	39	=	=	PUNCT
bjmsr-2280	150	40	6.118	6.118	NUM
bjmsr-2280	150	41	,	,	PUNCT
bjmsr-2280	150	42	p	p	X
bjmsr-2280	150	43	<	<	X
bjmsr-2280	150	44	0.01	0.01	NUM
bjmsr-2280	150	45	)	)	PUNCT
bjmsr-2280	150	46	,	,	PUNCT
bjmsr-2280	150	47	thereby	thereby	ADV
bjmsr-2280	150	48	providing	provide	VERB
bjmsr-2280	150	49	support	support	NOUN
bjmsr-2280	150	50	for	for	ADP
bjmsr-2280	150	51	h4	h4	PROPN
bjmsr-2280	150	52	.	.	PUNCT
bjmsr-2280	151	1	figure	figure	NOUN
bjmsr-2280	151	2	2	2	NUM
bjmsr-2280	151	3	.	.	PUNCT
bjmsr-2280	151	4	measurement	measurement	PROPN
bjmsr-2280	151	5	&	&	CCONJ
bjmsr-2280	151	6	structural	structural	ADJ
bjmsr-2280	151	7	model	model	NOUN
bjmsr-2280	151	8	rahman	rahman	PROPN
bjmsr-2280	151	9	et	et	PROPN
bjmsr-2280	151	10	al	al	PROPN
bjmsr-2280	151	11	.	.	PROPN
bjmsr-2280	151	12	,	,	PUNCT
bjmsr-2280	151	13	bangladesh	bangladesh	PROPN
bjmsr-2280	151	14	journal	journal	NOUN
bjmsr-2280	151	15	of	of	ADP
bjmsr-2280	151	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	151	17	scientific	scientific	ADJ
bjmsr-2280	151	18	research	research	NOUN
bjmsr-2280	151	19	10(1	10(1	NUM
bjmsr-2280	151	20	)	)	PUNCT
bjmsr-2280	151	21	(	(	PUNCT
bjmsr-2280	151	22	2025	2025	NUM
bjmsr-2280	151	23	)	)	PUNCT
bjmsr-2280	151	24	,	,	PUNCT
bjmsr-2280	151	25	1	1	NUM
bjmsr-2280	151	26	-	-	SYM
bjmsr-2280	151	27	10	10	NUM
bjmsr-2280	151	28	7	7	NUM
bjmsr-2280	151	29	the	the	DET
bjmsr-2280	151	30	values	value	NOUN
bjmsr-2280	151	31	of	of	ADP
bjmsr-2280	151	32	the	the	DET
bjmsr-2280	151	33	exogenous	exogenous	ADJ
bjmsr-2280	151	34	variables	variable	NOUN
bjmsr-2280	151	35	'	'	PART
bjmsr-2280	151	36	coefficient	coefficient	NOUN
bjmsr-2280	151	37	of	of	ADP
bjmsr-2280	151	38	determination	determination	NOUN
bjmsr-2280	151	39	(	(	PUNCT
bjmsr-2280	151	40	r2	r2	PROPN
bjmsr-2280	151	41	)	)	PUNCT
bjmsr-2280	151	42	and	and	CCONJ
bjmsr-2280	151	43	effect	effect	NOUN
bjmsr-2280	151	44	size	size	NOUN
bjmsr-2280	151	45	(	(	PUNCT
bjmsr-2280	151	46	f2	f2	PROPN
bjmsr-2280	151	47	)	)	PUNCT
bjmsr-2280	151	48	on	on	ADP
bjmsr-2280	151	49	the	the	DET
bjmsr-2280	151	50	endogenous	endogenous	ADJ
bjmsr-2280	151	51	variable	variable	NOUN
bjmsr-2280	151	52	are	be	AUX
bjmsr-2280	151	53	shown	show	VERB
bjmsr-2280	151	54	in	in	ADP
bjmsr-2280	151	55	table	table	NOUN
bjmsr-2280	151	56	6	6	NUM
bjmsr-2280	151	57	.	.	PUNCT
bjmsr-2280	151	58	table	table	NOUN
bjmsr-2280	151	59	6	6	NUM
bjmsr-2280	151	60	.	.	PUNCT
bjmsr-2280	151	61	result	result	NOUN
bjmsr-2280	151	62	of	of	ADP
bjmsr-2280	151	63	r2	r2	PROPN
bjmsr-2280	151	64	and	and	CCONJ
bjmsr-2280	151	65	f2	f2	PROPN
bjmsr-2280	151	66	construct	construct	VERB
bjmsr-2280	151	67	r2	r2	PROPN
bjmsr-2280	151	68	f2	f2	PROPN
bjmsr-2280	151	69	decision	decision	NOUN
bjmsr-2280	151	70	online	online	ADJ
bjmsr-2280	151	71	zakat	zakat	NOUN
bjmsr-2280	151	72	payment	payment	NOUN
bjmsr-2280	151	73	usage	usage	NOUN
bjmsr-2280	151	74	intention	intention	NOUN
bjmsr-2280	151	75	0.485	0.485	NUM
bjmsr-2280	151	76	perceived	perceive	VERB
bjmsr-2280	151	77	risk	risk	NOUN
bjmsr-2280	151	78	0.036	0.036	NUM
bjmsr-2280	151	79	small	small	ADJ
bjmsr-2280	151	80	prior	prior	ADJ
bjmsr-2280	151	81	experience	experience	NOUN
bjmsr-2280	151	82	online	online	PROPN
bjmsr-2280	151	83	zakat	zakat	PROPN
bjmsr-2280	151	84	0.411	0.411	NUM
bjmsr-2280	151	85	large	large	ADJ
bjmsr-2280	151	86	trust	trust	NOUN
bjmsr-2280	151	87	in	in	ADP
bjmsr-2280	151	88	zakat	zakat	PROPN
bjmsr-2280	151	89	institution	institution	NOUN
bjmsr-2280	151	90	0.051	0.051	NUM
bjmsr-2280	151	91	small	small	ADJ
bjmsr-2280	151	92	zakat	zakat	NOUN
bjmsr-2280	151	93	literacy	literacy	NOUN
bjmsr-2280	151	94	0.048	0.048	NUM
bjmsr-2280	152	1	small	small	ADJ
bjmsr-2280	152	2	the	the	DET
bjmsr-2280	152	3	table	table	NOUN
bjmsr-2280	152	4	indicates	indicate	VERB
bjmsr-2280	152	5	that	that	SCONJ
bjmsr-2280	152	6	the	the	DET
bjmsr-2280	152	7	exogenous	exogenous	ADJ
bjmsr-2280	152	8	variables	variable	NOUN
bjmsr-2280	152	9	(	(	PUNCT
bjmsr-2280	152	10	perceived	perceive	VERB
bjmsr-2280	152	11	risk	risk	NOUN
bjmsr-2280	152	12	,	,	PUNCT
bjmsr-2280	152	13	trust	trust	NOUN
bjmsr-2280	152	14	in	in	ADP
bjmsr-2280	152	15	the	the	DET
bjmsr-2280	152	16	zakat	zakat	PROPN
bjmsr-2280	152	17	institution	institution	NOUN
bjmsr-2280	152	18	,	,	PUNCT
bjmsr-2280	152	19	zakat	zakat	NOUN
bjmsr-2280	152	20	literacy	literacy	NOUN
bjmsr-2280	152	21	,	,	PUNCT
bjmsr-2280	152	22	and	and	CCONJ
bjmsr-2280	152	23	previous	previous	ADJ
bjmsr-2280	152	24	experience	experience	NOUN
bjmsr-2280	152	25	with	with	ADP
bjmsr-2280	152	26	online	online	ADJ
bjmsr-2280	152	27	zakat	zakat	NOUN
bjmsr-2280	152	28	)	)	PUNCT
bjmsr-2280	152	29	accounted	account	VERB
bjmsr-2280	152	30	for	for	ADP
bjmsr-2280	152	31	48.5	48.5	NUM
bjmsr-2280	152	32	%	%	NOUN
bjmsr-2280	152	33	of	of	ADP
bjmsr-2280	152	34	the	the	DET
bjmsr-2280	152	35	variance	variance	NOUN
bjmsr-2280	152	36	in	in	ADP
bjmsr-2280	152	37	the	the	DET
bjmsr-2280	152	38	endogenous	endogenous	ADJ
bjmsr-2280	152	39	variable	variable	NOUN
bjmsr-2280	152	40	(	(	PUNCT
bjmsr-2280	152	41	intention	intention	NOUN
bjmsr-2280	152	42	to	to	PART
bjmsr-2280	152	43	make	make	VERB
bjmsr-2280	152	44	an	an	DET
bjmsr-2280	152	45	online	online	ADJ
bjmsr-2280	152	46	zakat	zakat	NOUN
bjmsr-2280	152	47	payment	payment	NOUN
bjmsr-2280	152	48	)	)	PUNCT
bjmsr-2280	152	49	.	.	PUNCT
bjmsr-2280	153	1	regarding	regard	VERB
bjmsr-2280	153	2	the	the	DET
bjmsr-2280	153	3	effect	effect	NOUN
bjmsr-2280	153	4	size	size	NOUN
bjmsr-2280	153	5	,	,	PUNCT
bjmsr-2280	153	6	or	or	CCONJ
bjmsr-2280	153	7	f2	f2	PROPN
bjmsr-2280	153	8	,	,	PUNCT
bjmsr-2280	153	9	this	this	PRON
bjmsr-2280	153	10	is	be	AUX
bjmsr-2280	153	11	the	the	DET
bjmsr-2280	153	12	variation	variation	NOUN
bjmsr-2280	153	13	in	in	ADP
bjmsr-2280	153	14	r2	r2	NOUN
bjmsr-2280	153	15	resulting	result	VERB
bjmsr-2280	153	16	from	from	ADP
bjmsr-2280	153	17	removing	remove	VERB
bjmsr-2280	153	18	a	a	DET
bjmsr-2280	153	19	particular	particular	ADJ
bjmsr-2280	153	20	construct	construct	NOUN
bjmsr-2280	153	21	from	from	ADP
bjmsr-2280	153	22	the	the	DET
bjmsr-2280	153	23	model	model	NOUN
bjmsr-2280	153	24	.	.	PUNCT
bjmsr-2280	154	1	cohen	cohen	PROPN
bjmsr-2280	154	2	(	(	PUNCT
bjmsr-2280	154	3	1988	1988	NUM
bjmsr-2280	154	4	)	)	PUNCT
bjmsr-2280	154	5	states	state	VERB
bjmsr-2280	154	6	that	that	SCONJ
bjmsr-2280	154	7	the	the	DET
bjmsr-2280	154	8	effect	effect	NOUN
bjmsr-2280	154	9	size	size	NOUN
bjmsr-2280	154	10	was	be	AUX
bjmsr-2280	154	11	classified	classify	VERB
bjmsr-2280	154	12	as	as	ADP
bjmsr-2280	154	13	small	small	ADJ
bjmsr-2280	154	14	for	for	ADP
bjmsr-2280	154	15	f2	f2	ADJ
bjmsr-2280	154	16	values	value	NOUN
bjmsr-2280	154	17	of	of	ADP
bjmsr-2280	154	18	0.02	0.02	NUM
bjmsr-2280	154	19	,	,	PUNCT
bjmsr-2280	154	20	medium	medium	NOUN
bjmsr-2280	154	21	for	for	ADP
bjmsr-2280	154	22	f2	f2	ADJ
bjmsr-2280	154	23	values	value	NOUN
bjmsr-2280	154	24	of	of	ADP
bjmsr-2280	154	25	0.15	0.15	NUM
bjmsr-2280	154	26	,	,	PUNCT
bjmsr-2280	154	27	and	and	CCONJ
bjmsr-2280	154	28	high	high	ADJ
bjmsr-2280	154	29	for	for	ADP
bjmsr-2280	154	30	f2	f2	ADJ
bjmsr-2280	154	31	values	value	NOUN
bjmsr-2280	154	32	of	of	ADP
bjmsr-2280	154	33	0.35	0.35	NUM
bjmsr-2280	154	34	.	.	PUNCT
bjmsr-2280	155	1	according	accord	VERB
bjmsr-2280	155	2	to	to	ADP
bjmsr-2280	155	3	table	table	NOUN
bjmsr-2280	155	4	6	6	NUM
bjmsr-2280	155	5	’s	’s	PART
bjmsr-2280	155	6	results	result	NOUN
bjmsr-2280	155	7	,	,	PUNCT
bjmsr-2280	155	8	exogenous	exogenous	ADJ
bjmsr-2280	155	9	variables	variable	NOUN
bjmsr-2280	155	10	(	(	PUNCT
bjmsr-2280	155	11	perceived	perceive	VERB
bjmsr-2280	155	12	risk	risk	NOUN
bjmsr-2280	155	13	,	,	PUNCT
bjmsr-2280	155	14	f2=	f2=	NOUN
bjmsr-2280	155	15	0.036	0.036	NUM
bjmsr-2280	155	16	;	;	PUNCT
bjmsr-2280	155	17	trust	trust	NOUN
bjmsr-2280	155	18	in	in	ADP
bjmsr-2280	155	19	zakat	zakat	PROPN
bjmsr-2280	155	20	institution	institution	NOUN
bjmsr-2280	155	21	,	,	PUNCT
bjmsr-2280	155	22	f2	f2	PROPN
bjmsr-2280	155	23	=	=	PROPN
bjmsr-2280	155	24	0.051	0.051	NUM
bjmsr-2280	155	25	and	and	CCONJ
bjmsr-2280	155	26	zakat	zakat	NOUN
bjmsr-2280	155	27	literacy	literacy	NOUN
bjmsr-2280	155	28	,	,	PUNCT
bjmsr-2280	155	29	f2=	f2=	NOUN
bjmsr-2280	155	30	0.048	0.048	NUM
bjmsr-2280	155	31	)	)	PUNCT
bjmsr-2280	155	32	had	have	VERB
bjmsr-2280	155	33	a	a	DET
bjmsr-2280	155	34	small	small	ADJ
bjmsr-2280	155	35	effect	effect	NOUN
bjmsr-2280	155	36	size	size	NOUN
bjmsr-2280	155	37	on	on	ADP
bjmsr-2280	155	38	the	the	DET
bjmsr-2280	155	39	endogenous	endogenous	ADJ
bjmsr-2280	155	40	variable	variable	NOUN
bjmsr-2280	155	41	except	except	SCONJ
bjmsr-2280	155	42	for	for	ADP
bjmsr-2280	155	43	prior	prior	ADJ
bjmsr-2280	155	44	experience	experience	NOUN
bjmsr-2280	155	45	online	online	PROPN
bjmsr-2280	155	46	zakat	zakat	X
bjmsr-2280	155	47	,	,	PUNCT
bjmsr-2280	155	48	f2	f2	PROPN
bjmsr-2280	155	49	,	,	PUNCT
bjmsr-2280	155	50	=	=	PROPN
bjmsr-2280	155	51	0.411	0.411	NUM
bjmsr-2280	155	52	,	,	PUNCT
bjmsr-2280	155	53	large	large	ADJ
bjmsr-2280	155	54	effect	effect	NOUN
bjmsr-2280	155	55	size	size	NOUN
bjmsr-2280	155	56	.	.	PUNCT
bjmsr-2280	156	1	discussions	discussion	NOUN
bjmsr-2280	156	2	this	this	DET
bjmsr-2280	156	3	study	study	NOUN
bjmsr-2280	156	4	offers	offer	VERB
bjmsr-2280	156	5	valuable	valuable	ADJ
bjmsr-2280	156	6	insights	insight	NOUN
bjmsr-2280	156	7	into	into	ADP
bjmsr-2280	156	8	online	online	ADJ
bjmsr-2280	156	9	zakat	zakat	NOUN
bjmsr-2280	156	10	payment	payment	NOUN
bjmsr-2280	156	11	services	service	NOUN
bjmsr-2280	156	12	by	by	ADP
bjmsr-2280	156	13	presenting	present	VERB
bjmsr-2280	156	14	empirical	empirical	ADJ
bjmsr-2280	156	15	evidence	evidence	NOUN
bjmsr-2280	156	16	regarding	regard	VERB
bjmsr-2280	156	17	the	the	DET
bjmsr-2280	156	18	factors	factor	NOUN
bjmsr-2280	156	19	influencing	influence	VERB
bjmsr-2280	156	20	the	the	DET
bjmsr-2280	156	21	intention	intention	NOUN
bjmsr-2280	156	22	of	of	ADP
bjmsr-2280	156	23	zakat	zakat	NOUN
bjmsr-2280	156	24	payers	payer	NOUN
bjmsr-2280	156	25	in	in	ADP
bjmsr-2280	156	26	malaysia	malaysia	PROPN
bjmsr-2280	156	27	to	to	PART
bjmsr-2280	156	28	utilize	utilize	VERB
bjmsr-2280	156	29	these	these	DET
bjmsr-2280	156	30	services	service	NOUN
bjmsr-2280	156	31	.	.	PUNCT
bjmsr-2280	157	1	the	the	DET
bjmsr-2280	157	2	direct	direct	ADJ
bjmsr-2280	157	3	effects	effect	NOUN
bjmsr-2280	157	4	of	of	ADP
bjmsr-2280	157	5	this	this	DET
bjmsr-2280	157	6	research	research	NOUN
bjmsr-2280	157	7	model	model	NOUN
bjmsr-2280	157	8	emerge	emerge	VERB
bjmsr-2280	157	9	as	as	ADP
bjmsr-2280	157	10	interesting	interesting	ADJ
bjmsr-2280	157	11	findings	finding	NOUN
bjmsr-2280	157	12	.	.	PUNCT
bjmsr-2280	158	1	first	first	ADV
bjmsr-2280	158	2	,	,	PUNCT
bjmsr-2280	158	3	on	on	ADP
bjmsr-2280	158	4	the	the	DET
bjmsr-2280	158	5	issue	issue	NOUN
bjmsr-2280	158	6	of	of	ADP
bjmsr-2280	158	7	perceived	perceive	VERB
bjmsr-2280	158	8	risk	risk	NOUN
bjmsr-2280	158	9	,	,	PUNCT
bjmsr-2280	158	10	the	the	DET
bjmsr-2280	158	11	results	result	NOUN
bjmsr-2280	158	12	found	find	VERB
bjmsr-2280	158	13	that	that	SCONJ
bjmsr-2280	158	14	muzakki	muzakki	PROPN
bjmsr-2280	158	15	's	's	PART
bjmsr-2280	158	16	perceived	perceive	VERB
bjmsr-2280	158	17	risk	risk	NOUN
bjmsr-2280	158	18	negatively	negatively	ADV
bjmsr-2280	158	19	influences	influence	VERB
bjmsr-2280	158	20	his	his	PRON
bjmsr-2280	158	21	/	/	SYM
bjmsr-2280	158	22	her	her	PRON
bjmsr-2280	158	23	intentions	intention	NOUN
bjmsr-2280	158	24	to	to	PART
bjmsr-2280	158	25	adopt	adopt	VERB
bjmsr-2280	158	26	an	an	DET
bjmsr-2280	158	27	online	online	ADJ
bjmsr-2280	158	28	zakat	zakat	NOUN
bjmsr-2280	158	29	payment	payment	NOUN
bjmsr-2280	158	30	system	system	NOUN
bjmsr-2280	158	31	.	.	PUNCT
bjmsr-2280	159	1	the	the	DET
bjmsr-2280	159	2	findings	finding	NOUN
bjmsr-2280	159	3	confirm	confirm	VERB
bjmsr-2280	159	4	earlier	early	ADJ
bjmsr-2280	159	5	studies	study	NOUN
bjmsr-2280	159	6	conducted	conduct	VERB
bjmsr-2280	159	7	in	in	ADP
bjmsr-2280	159	8	various	various	ADJ
bjmsr-2280	159	9	research	research	NOUN
bjmsr-2280	159	10	settings	setting	NOUN
bjmsr-2280	159	11	(	(	PUNCT
bjmsr-2280	159	12	park	park	NOUN
bjmsr-2280	159	13	et	et	PROPN
bjmsr-2280	159	14	al	al	PROPN
bjmsr-2280	159	15	.	.	PROPN
bjmsr-2280	159	16	,	,	PUNCT
bjmsr-2280	159	17	2019	2019	NUM
bjmsr-2280	159	18	;	;	PUNCT
bjmsr-2280	159	19	xie	xie	PROPN
bjmsr-2280	159	20	et	et	PROPN
bjmsr-2280	159	21	al	al	PROPN
bjmsr-2280	159	22	.	.	PROPN
bjmsr-2280	159	23	,	,	PUNCT
bjmsr-2280	159	24	2021	2021	NUM
bjmsr-2280	159	25	)	)	PUNCT
bjmsr-2280	159	26	.	.	PUNCT
bjmsr-2280	160	1	muzakki	muzakki	PROPN
bjmsr-2280	160	2	may	may	AUX
bjmsr-2280	160	3	hesitate	hesitate	VERB
bjmsr-2280	160	4	to	to	PART
bjmsr-2280	160	5	adopt	adopt	VERB
bjmsr-2280	160	6	online	online	ADJ
bjmsr-2280	160	7	zakat	zakat	NOUN
bjmsr-2280	160	8	payment	payment	NOUN
bjmsr-2280	160	9	systems	system	NOUN
bjmsr-2280	160	10	due	due	ADJ
bjmsr-2280	160	11	to	to	ADP
bjmsr-2280	160	12	uncertainties	uncertainty	NOUN
bjmsr-2280	160	13	regarding	regard	VERB
bjmsr-2280	160	14	the	the	DET
bjmsr-2280	160	15	platform	platform	NOUN
bjmsr-2280	160	16	's	's	PART
bjmsr-2280	160	17	reliability	reliability	NOUN
bjmsr-2280	160	18	,	,	PUNCT
bjmsr-2280	160	19	fear	fear	NOUN
bjmsr-2280	160	20	of	of	ADP
bjmsr-2280	160	21	financial	financial	ADJ
bjmsr-2280	160	22	loss	loss	NOUN
bjmsr-2280	160	23	,	,	PUNCT
bjmsr-2280	160	24	or	or	CCONJ
bjmsr-2280	160	25	doubts	doubt	NOUN
bjmsr-2280	160	26	about	about	ADP
bjmsr-2280	160	27	protecting	protect	VERB
bjmsr-2280	160	28	their	their	PRON
bjmsr-2280	160	29	financial	financial	ADJ
bjmsr-2280	160	30	and	and	CCONJ
bjmsr-2280	160	31	personal	personal	ADJ
bjmsr-2280	160	32	data	datum	NOUN
bjmsr-2280	160	33	.	.	PUNCT
bjmsr-2280	161	1	additionally	additionally	ADV
bjmsr-2280	161	2	,	,	PUNCT
bjmsr-2280	161	3	concerns	concern	NOUN
bjmsr-2280	161	4	about	about	ADP
bjmsr-2280	161	5	the	the	DET
bjmsr-2280	161	6	recipient	recipient	NOUN
bjmsr-2280	161	7	's	's	PART
bjmsr-2280	161	8	genuineness	genuineness	NOUN
bjmsr-2280	161	9	and	and	CCONJ
bjmsr-2280	161	10	the	the	DET
bjmsr-2280	161	11	process	process	NOUN
bjmsr-2280	161	12	's	's	PART
bjmsr-2280	161	13	transparency	transparency	NOUN
bjmsr-2280	161	14	may	may	AUX
bjmsr-2280	161	15	further	far	ADV
bjmsr-2280	161	16	exacerbate	exacerbate	VERB
bjmsr-2280	161	17	perceived	perceive	VERB
bjmsr-2280	161	18	risks	risk	NOUN
bjmsr-2280	161	19	.	.	PUNCT
bjmsr-2280	162	1	therefore	therefore	ADV
bjmsr-2280	162	2	,	,	PUNCT
bjmsr-2280	162	3	zakat	zakat	NOUN
bjmsr-2280	162	4	institutions	institution	NOUN
bjmsr-2280	162	5	in	in	ADP
bjmsr-2280	162	6	malaysia	malaysia	PROPN
bjmsr-2280	162	7	should	should	AUX
bjmsr-2280	162	8	play	play	VERB
bjmsr-2280	162	9	necessary	necessary	ADJ
bjmsr-2280	162	10	roles	role	NOUN
bjmsr-2280	162	11	in	in	ADP
bjmsr-2280	162	12	mitigating	mitigate	VERB
bjmsr-2280	162	13	perceived	perceive	VERB
bjmsr-2280	162	14	risks	risk	NOUN
bjmsr-2280	162	15	through	through	ADP
bjmsr-2280	162	16	measures	measure	NOUN
bjmsr-2280	162	17	like	like	ADP
bjmsr-2280	162	18	enhanced	enhanced	ADJ
bjmsr-2280	162	19	security	security	NOUN
bjmsr-2280	162	20	protocols	protocol	NOUN
bjmsr-2280	162	21	and	and	CCONJ
bjmsr-2280	162	22	transparent	transparent	ADJ
bjmsr-2280	162	23	processes	process	NOUN
bjmsr-2280	162	24	.	.	PUNCT
bjmsr-2280	163	1	these	these	PRON
bjmsr-2280	163	2	,	,	PUNCT
bjmsr-2280	163	3	in	in	ADP
bjmsr-2280	163	4	turn	turn	NOUN
bjmsr-2280	163	5	,	,	PUNCT
bjmsr-2280	163	6	could	could	AUX
bjmsr-2280	163	7	significantly	significantly	ADV
bjmsr-2280	163	8	bolster	bolster	VERB
bjmsr-2280	163	9	muzakki	muzakki	PROPN
bjmsr-2280	163	10	's	's	PART
bjmsr-2280	163	11	confidence	confidence	NOUN
bjmsr-2280	163	12	in	in	ADP
bjmsr-2280	163	13	utilizing	utilize	VERB
bjmsr-2280	163	14	online	online	ADJ
bjmsr-2280	163	15	zakat	zakat	NOUN
bjmsr-2280	163	16	payment	payment	NOUN
bjmsr-2280	163	17	systems	system	NOUN
bjmsr-2280	163	18	,	,	PUNCT
bjmsr-2280	163	19	which	which	PRON
bjmsr-2280	163	20	ultimately	ultimately	ADV
bjmsr-2280	163	21	foster	foster	VERB
bjmsr-2280	163	22	greater	great	ADJ
bjmsr-2280	163	23	adoption	adoption	NOUN
bjmsr-2280	163	24	and	and	CCONJ
bjmsr-2280	163	25	participation	participation	NOUN
bjmsr-2280	163	26	in	in	ADP
bjmsr-2280	163	27	fulfilling	fulfil	VERB
bjmsr-2280	163	28	their	their	PRON
bjmsr-2280	163	29	religious	religious	ADJ
bjmsr-2280	163	30	obligations	obligation	NOUN
bjmsr-2280	163	31	.	.	PUNCT
bjmsr-2280	164	1	the	the	DET
bjmsr-2280	164	2	research	research	NOUN
bjmsr-2280	164	3	indicates	indicate	VERB
bjmsr-2280	164	4	that	that	SCONJ
bjmsr-2280	164	5	trust	trust	NOUN
bjmsr-2280	164	6	in	in	ADP
bjmsr-2280	164	7	zakat	zakat	NOUN
bjmsr-2280	164	8	organizations	organization	NOUN
bjmsr-2280	164	9	significantly	significantly	ADV
bjmsr-2280	164	10	influences	influence	VERB
bjmsr-2280	164	11	individuals	individual	NOUN
bjmsr-2280	164	12	'	'	PART
bjmsr-2280	164	13	inclination	inclination	NOUN
bjmsr-2280	164	14	to	to	PART
bjmsr-2280	164	15	fulfill	fulfill	VERB
bjmsr-2280	164	16	their	their	PRON
bjmsr-2280	164	17	obligations	obligation	NOUN
bjmsr-2280	164	18	and	and	CCONJ
bjmsr-2280	164	19	utilize	utilize	VERB
bjmsr-2280	164	20	online	online	ADJ
bjmsr-2280	164	21	payment	payment	NOUN
bjmsr-2280	164	22	channels	channel	NOUN
bjmsr-2280	164	23	.	.	PUNCT
bjmsr-2280	165	1	when	when	SCONJ
bjmsr-2280	165	2	individuals	individual	NOUN
bjmsr-2280	165	3	have	have	VERB
bjmsr-2280	165	4	faith	faith	NOUN
bjmsr-2280	165	5	in	in	ADP
bjmsr-2280	165	6	these	these	DET
bjmsr-2280	165	7	organizations	organization	NOUN
bjmsr-2280	165	8	'	'	PART
bjmsr-2280	165	9	integrity	integrity	NOUN
bjmsr-2280	165	10	,	,	PUNCT
bjmsr-2280	165	11	transparency	transparency	NOUN
bjmsr-2280	165	12	,	,	PUNCT
bjmsr-2280	165	13	and	and	CCONJ
bjmsr-2280	165	14	ethical	ethical	ADJ
bjmsr-2280	165	15	standards	standard	NOUN
bjmsr-2280	165	16	,	,	PUNCT
bjmsr-2280	165	17	they	they	PRON
bjmsr-2280	165	18	are	be	AUX
bjmsr-2280	165	19	more	more	ADV
bjmsr-2280	165	20	inclined	inclined	ADJ
bjmsr-2280	165	21	to	to	PART
bjmsr-2280	165	22	utilize	utilize	VERB
bjmsr-2280	165	23	online	online	ADJ
bjmsr-2280	165	24	platforms	platform	NOUN
bjmsr-2280	165	25	for	for	ADP
bjmsr-2280	165	26	their	their	PRON
bjmsr-2280	165	27	zakat	zakat	NOUN
bjmsr-2280	165	28	contributions	contribution	NOUN
bjmsr-2280	165	29	.	.	PUNCT
bjmsr-2280	166	1	essentially	essentially	ADV
bjmsr-2280	166	2	,	,	PUNCT
bjmsr-2280	166	3	the	the	DET
bjmsr-2280	166	4	trust	trust	NOUN
bjmsr-2280	166	5	serves	serve	VERB
bjmsr-2280	166	6	as	as	ADP
bjmsr-2280	166	7	the	the	DET
bjmsr-2280	166	8	foundation	foundation	NOUN
bjmsr-2280	166	9	upon	upon	SCONJ
bjmsr-2280	166	10	which	which	PRON
bjmsr-2280	166	11	individuals	individual	NOUN
bjmsr-2280	166	12	base	base	VERB
bjmsr-2280	166	13	their	their	PRON
bjmsr-2280	166	14	readiness	readiness	NOUN
bjmsr-2280	166	15	to	to	PART
bjmsr-2280	166	16	interact	interact	VERB
bjmsr-2280	166	17	with	with	ADP
bjmsr-2280	166	18	online	online	ADJ
bjmsr-2280	166	19	zakat	zakat	NOUN
bjmsr-2280	166	20	payment	payment	NOUN
bjmsr-2280	166	21	services	service	NOUN
bjmsr-2280	166	22	,	,	PUNCT
bjmsr-2280	166	23	confident	confident	ADJ
bjmsr-2280	166	24	that	that	SCONJ
bjmsr-2280	166	25	their	their	PRON
bjmsr-2280	166	26	donations	donation	NOUN
bjmsr-2280	166	27	will	will	AUX
bjmsr-2280	166	28	be	be	AUX
bjmsr-2280	166	29	utilized	utilize	VERB
bjmsr-2280	166	30	for	for	ADP
bjmsr-2280	166	31	their	their	PRON
bjmsr-2280	166	32	intended	intend	VERB
bjmsr-2280	166	33	charitable	charitable	ADJ
bjmsr-2280	166	34	objectives	objective	NOUN
bjmsr-2280	166	35	transparently	transparently	ADV
bjmsr-2280	166	36	and	and	CCONJ
bjmsr-2280	166	37	securely	securely	ADV
bjmsr-2280	166	38	,	,	PUNCT
bjmsr-2280	166	39	as	as	SCONJ
bjmsr-2280	166	40	demonstrated	demonstrate	VERB
bjmsr-2280	166	41	by	by	ADP
bjmsr-2280	166	42	prior	prior	ADJ
bjmsr-2280	166	43	studies	study	NOUN
bjmsr-2280	166	44	in	in	ADP
bjmsr-2280	166	45	the	the	DET
bjmsr-2280	166	46	donation	donation	NOUN
bjmsr-2280	166	47	research	research	NOUN
bjmsr-2280	166	48	area	area	NOUN
bjmsr-2280	166	49	(	(	PUNCT
bjmsr-2280	166	50	bilgin	bilgin	NOUN
bjmsr-2280	166	51	&	&	CCONJ
bjmsr-2280	166	52	kethüda	kethüda	NOUN
bjmsr-2280	166	53	,	,	PUNCT
bjmsr-2280	166	54	2022	2022	NUM
bjmsr-2280	166	55	;	;	PUNCT
bjmsr-2280	166	56	chen	chen	PROPN
bjmsr-2280	166	57	et	et	PROPN
bjmsr-2280	166	58	al	al	PROPN
bjmsr-2280	166	59	.	.	PROPN
bjmsr-2280	166	60	,	,	PUNCT
bjmsr-2280	166	61	2019	2019	NUM
bjmsr-2280	166	62	;	;	PUNCT
bjmsr-2280	166	63	beldad	beldad	PROPN
bjmsr-2280	166	64	et	et	PROPN
bjmsr-2280	166	65	al	al	PROPN
bjmsr-2280	166	66	.	.	PROPN
bjmsr-2280	166	67	,	,	PUNCT
bjmsr-2280	166	68	2014	2014	NUM
bjmsr-2280	166	69	;	;	PUNCT
bjmsr-2280	166	70	li	li	PROPN
bjmsr-2280	166	71	et	et	PROPN
bjmsr-2280	166	72	al	al	PROPN
bjmsr-2280	166	73	.	.	PROPN
bjmsr-2280	166	74	,	,	PUNCT
bjmsr-2280	166	75	2022	2022	NUM
bjmsr-2280	166	76	)	)	PUNCT
bjmsr-2280	166	77	.	.	PUNCT
bjmsr-2280	167	1	in	in	ADP
bjmsr-2280	167	2	addition	addition	NOUN
bjmsr-2280	167	3	,	,	PUNCT
bjmsr-2280	167	4	the	the	DET
bjmsr-2280	167	5	empirical	empirical	ADJ
bjmsr-2280	167	6	evidence	evidence	NOUN
bjmsr-2280	167	7	indicated	indicate	VERB
bjmsr-2280	167	8	that	that	SCONJ
bjmsr-2280	167	9	prior	prior	ADJ
bjmsr-2280	167	10	experience	experience	NOUN
bjmsr-2280	167	11	positively	positively	ADV
bjmsr-2280	167	12	correlates	correlate	VERB
bjmsr-2280	167	13	with	with	ADP
bjmsr-2280	167	14	intention	intention	NOUN
bjmsr-2280	167	15	to	to	PART
bjmsr-2280	167	16	adopt	adopt	VERB
bjmsr-2280	167	17	the	the	DET
bjmsr-2280	167	18	online	online	ADJ
bjmsr-2280	167	19	zakat	zakat	NOUN
bjmsr-2280	167	20	payment	payment	NOUN
bjmsr-2280	167	21	system	system	NOUN
bjmsr-2280	167	22	.	.	PUNCT
bjmsr-2280	168	1	a	a	DET
bjmsr-2280	168	2	positive	positive	ADJ
bjmsr-2280	168	3	online	online	ADJ
bjmsr-2280	168	4	platform	platform	NOUN
bjmsr-2280	168	5	experience	experience	NOUN
bjmsr-2280	168	6	can	can	AUX
bjmsr-2280	168	7	significantly	significantly	ADV
bjmsr-2280	168	8	increase	increase	VERB
bjmsr-2280	168	9	the	the	DET
bjmsr-2280	168	10	intention	intention	NOUN
bjmsr-2280	168	11	to	to	PART
bjmsr-2280	168	12	adopt	adopt	VERB
bjmsr-2280	168	13	an	an	DET
bjmsr-2280	168	14	online	online	ADJ
bjmsr-2280	168	15	zakat	zakat	NOUN
bjmsr-2280	168	16	system	system	NOUN
bjmsr-2280	168	17	.	.	PUNCT
bjmsr-2280	169	1	users	user	NOUN
bjmsr-2280	169	2	'	'	PART
bjmsr-2280	169	3	satisfaction	satisfaction	NOUN
bjmsr-2280	169	4	and	and	CCONJ
bjmsr-2280	169	5	trust	trust	NOUN
bjmsr-2280	169	6	in	in	ADP
bjmsr-2280	169	7	the	the	DET
bjmsr-2280	169	8	system	system	NOUN
bjmsr-2280	169	9	grow	grow	VERB
bjmsr-2280	169	10	when	when	SCONJ
bjmsr-2280	169	11	they	they	PRON
bjmsr-2280	169	12	find	find	VERB
bjmsr-2280	169	13	the	the	DET
bjmsr-2280	169	14	platform	platform	NOUN
bjmsr-2280	169	15	user	user	NOUN
bjmsr-2280	169	16	-	-	PUNCT
bjmsr-2280	169	17	friendly	friendly	ADJ
bjmsr-2280	169	18	,	,	PUNCT
bjmsr-2280	169	19	reliable	reliable	ADJ
bjmsr-2280	169	20	,	,	PUNCT
bjmsr-2280	169	21	and	and	CCONJ
bjmsr-2280	169	22	efficient	efficient	ADJ
bjmsr-2280	169	23	.	.	PUNCT
bjmsr-2280	170	1	features	feature	VERB
bjmsr-2280	170	2	such	such	ADJ
bjmsr-2280	170	3	as	as	ADP
bjmsr-2280	170	4	easy	easy	ADJ
bjmsr-2280	170	5	navigation	navigation	NOUN
bjmsr-2280	170	6	,	,	PUNCT
bjmsr-2280	170	7	secure	secure	ADJ
bjmsr-2280	170	8	transactions	transaction	NOUN
bjmsr-2280	170	9	,	,	PUNCT
bjmsr-2280	170	10	responsive	responsive	ADJ
bjmsr-2280	170	11	customer	customer	NOUN
bjmsr-2280	170	12	support	support	NOUN
bjmsr-2280	170	13	,	,	PUNCT
bjmsr-2280	170	14	and	and	CCONJ
bjmsr-2280	170	15	timely	timely	ADJ
bjmsr-2280	170	16	updates	update	NOUN
bjmsr-2280	170	17	contribute	contribute	VERB
bjmsr-2280	170	18	to	to	ADP
bjmsr-2280	170	19	a	a	DET
bjmsr-2280	170	20	smooth	smooth	ADJ
bjmsr-2280	170	21	and	and	CCONJ
bjmsr-2280	170	22	pleasant	pleasant	ADJ
bjmsr-2280	170	23	user	user	NOUN
bjmsr-2280	170	24	experience	experience	NOUN
bjmsr-2280	170	25	.	.	PUNCT
bjmsr-2280	171	1	because	because	SCONJ
bjmsr-2280	171	2	of	of	ADP
bjmsr-2280	171	3	this	this	DET
bjmsr-2280	171	4	encouraging	encouraging	ADJ
bjmsr-2280	171	5	interaction	interaction	NOUN
bjmsr-2280	171	6	,	,	PUNCT
bjmsr-2280	171	7	users	user	NOUN
bjmsr-2280	171	8	are	be	AUX
bjmsr-2280	171	9	likelier	likeli	ADJ
bjmsr-2280	171	10	to	to	PART
bjmsr-2280	171	11	continue	continue	VERB
bjmsr-2280	171	12	utilizing	utilize	VERB
bjmsr-2280	171	13	the	the	DET
bjmsr-2280	171	14	platform	platform	NOUN
bjmsr-2280	171	15	to	to	PART
bjmsr-2280	171	16	make	make	VERB
bjmsr-2280	171	17	zakat	zakat	NOUN
bjmsr-2280	171	18	contributions	contribution	NOUN
bjmsr-2280	171	19	because	because	SCONJ
bjmsr-2280	171	20	it	it	PRON
bjmsr-2280	171	21	gives	give	VERB
bjmsr-2280	171	22	them	they	PRON
bjmsr-2280	171	23	a	a	DET
bjmsr-2280	171	24	sense	sense	NOUN
bjmsr-2280	171	25	of	of	ADP
bjmsr-2280	171	26	ease	ease	NOUN
bjmsr-2280	171	27	and	and	CCONJ
bjmsr-2280	171	28	confidence	confidence	NOUN
bjmsr-2280	171	29	.	.	PUNCT
bjmsr-2280	172	1	furthermore	furthermore	ADV
bjmsr-2280	172	2	,	,	PUNCT
bjmsr-2280	172	3	satisfied	satisfied	ADJ
bjmsr-2280	172	4	users	user	NOUN
bjmsr-2280	172	5	are	be	AUX
bjmsr-2280	172	6	more	more	ADV
bjmsr-2280	172	7	likely	likely	ADJ
bjmsr-2280	172	8	to	to	PART
bjmsr-2280	172	9	tell	tell	VERB
bjmsr-2280	172	10	others	other	NOUN
bjmsr-2280	172	11	about	about	ADP
bjmsr-2280	172	12	the	the	DET
bjmsr-2280	172	13	site	site	NOUN
bjmsr-2280	172	14	,	,	PUNCT
bjmsr-2280	172	15	which	which	PRON
bjmsr-2280	172	16	raises	raise	VERB
bjmsr-2280	172	17	its	its	PRON
bjmsr-2280	172	18	legitimacy	legitimacy	NOUN
bjmsr-2280	172	19	and	and	CCONJ
bjmsr-2280	172	20	adoption	adoption	NOUN
bjmsr-2280	172	21	rates	rate	NOUN
bjmsr-2280	172	22	even	even	ADV
bjmsr-2280	172	23	more	more	ADV
bjmsr-2280	172	24	.	.	PUNCT
bjmsr-2280	173	1	consequently	consequently	ADV
bjmsr-2280	173	2	,	,	PUNCT
bjmsr-2280	173	3	a	a	DET
bjmsr-2280	173	4	positive	positive	ADJ
bjmsr-2280	173	5	initial	initial	ADJ
bjmsr-2280	173	6	experience	experience	NOUN
bjmsr-2280	173	7	becomes	become	VERB
bjmsr-2280	173	8	crucial	crucial	ADJ
bjmsr-2280	173	9	in	in	ADP
bjmsr-2280	173	10	driving	drive	VERB
bjmsr-2280	173	11	the	the	DET
bjmsr-2280	173	12	adoption	adoption	NOUN
bjmsr-2280	173	13	of	of	ADP
bjmsr-2280	173	14	online	online	ADJ
bjmsr-2280	173	15	zakat	zakat	NOUN
bjmsr-2280	173	16	systems	system	NOUN
bjmsr-2280	173	17	.	.	PUNCT
bjmsr-2280	174	1	furthermore	furthermore	ADV
bjmsr-2280	174	2	,	,	PUNCT
bjmsr-2280	174	3	the	the	DET
bjmsr-2280	174	4	outcome	outcome	NOUN
bjmsr-2280	174	5	shows	show	VERB
bjmsr-2280	174	6	that	that	SCONJ
bjmsr-2280	174	7	muzakki	muzakki	PROPN
bjmsr-2280	174	8	's	's	PART
bjmsr-2280	174	9	intention	intention	NOUN
bjmsr-2280	174	10	to	to	PART
bjmsr-2280	174	11	use	use	VERB
bjmsr-2280	174	12	online	online	ADJ
bjmsr-2280	174	13	platforms	platform	NOUN
bjmsr-2280	174	14	for	for	ADP
bjmsr-2280	174	15	zakat	zakat	NOUN
bjmsr-2280	174	16	payment	payment	NOUN
bjmsr-2280	174	17	is	be	AUX
bjmsr-2280	174	18	positively	positively	ADV
bjmsr-2280	174	19	influenced	influence	VERB
bjmsr-2280	174	20	by	by	ADP
bjmsr-2280	174	21	their	their	PRON
bjmsr-2280	174	22	level	level	NOUN
bjmsr-2280	174	23	of	of	ADP
bjmsr-2280	174	24	zakat	zakat	NOUN
bjmsr-2280	174	25	literacy	literacy	NOUN
bjmsr-2280	174	26	.	.	PUNCT
bjmsr-2280	175	1	this	this	PRON
bjmsr-2280	175	2	suggests	suggest	VERB
bjmsr-2280	175	3	that	that	SCONJ
bjmsr-2280	175	4	the	the	DET
bjmsr-2280	175	5	likelihood	likelihood	NOUN
bjmsr-2280	175	6	of	of	ADP
bjmsr-2280	175	7	paying	pay	VERB
bjmsr-2280	175	8	for	for	ADP
bjmsr-2280	175	9	zakat	zakat	NOUN
bjmsr-2280	175	10	through	through	ADP
bjmsr-2280	175	11	an	an	DET
bjmsr-2280	175	12	internet	internet	NOUN
bjmsr-2280	175	13	payment	payment	NOUN
bjmsr-2280	175	14	method	method	NOUN
bjmsr-2280	175	15	increases	increase	NOUN
bjmsr-2280	175	16	with	with	ADP
bjmsr-2280	175	17	zakat	zakat	NOUN
bjmsr-2280	175	18	literacy	literacy	NOUN
bjmsr-2280	175	19	.	.	PUNCT
bjmsr-2280	176	1	this	this	PRON
bjmsr-2280	176	2	is	be	AUX
bjmsr-2280	176	3	because	because	SCONJ
bjmsr-2280	176	4	zakat	zakat	NOUN
bjmsr-2280	176	5	literacy	literacy	NOUN
bjmsr-2280	176	6	is	be	AUX
bjmsr-2280	176	7	particularly	particularly	ADV
bjmsr-2280	176	8	crucial	crucial	ADJ
bjmsr-2280	176	9	for	for	ADP
bjmsr-2280	176	10	those	those	PRON
bjmsr-2280	176	11	who	who	PRON
bjmsr-2280	176	12	pay	pay	VERB
bjmsr-2280	176	13	for	for	ADP
bjmsr-2280	176	14	zakat	zakat	NOUN
bjmsr-2280	176	15	using	use	VERB
bjmsr-2280	176	16	an	an	DET
bjmsr-2280	176	17	online	online	ADJ
bjmsr-2280	176	18	system	system	NOUN
bjmsr-2280	176	19	compared	compare	VERB
bjmsr-2280	176	20	to	to	ADP
bjmsr-2280	176	21	traditional	traditional	ADJ
bjmsr-2280	176	22	means	mean	NOUN
bjmsr-2280	176	23	,	,	PUNCT
bjmsr-2280	176	24	where	where	SCONJ
bjmsr-2280	176	25	assistance	assistance	NOUN
bjmsr-2280	176	26	from	from	ADP
bjmsr-2280	176	27	zakat	zakat	NOUN
bjmsr-2280	176	28	institution	institution	NOUN
bjmsr-2280	176	29	officers	officer	NOUN
bjmsr-2280	176	30	is	be	AUX
bjmsr-2280	176	31	readily	readily	ADV
bjmsr-2280	176	32	available	available	ADJ
bjmsr-2280	176	33	.	.	PUNCT
bjmsr-2280	177	1	in	in	ADP
bjmsr-2280	177	2	a	a	DET
bjmsr-2280	177	3	traditional	traditional	ADJ
bjmsr-2280	177	4	setting	setting	NOUN
bjmsr-2280	177	5	,	,	PUNCT
bjmsr-2280	177	6	zakat	zakat	NOUN
bjmsr-2280	177	7	payers	payer	NOUN
bjmsr-2280	177	8	often	often	ADV
bjmsr-2280	177	9	have	have	VERB
bjmsr-2280	177	10	direct	direct	ADJ
bjmsr-2280	177	11	access	access	NOUN
bjmsr-2280	177	12	to	to	ADP
bjmsr-2280	177	13	knowledgeable	knowledgeable	ADJ
bjmsr-2280	177	14	officers	officer	NOUN
bjmsr-2280	177	15	who	who	PRON
bjmsr-2280	177	16	can	can	AUX
bjmsr-2280	177	17	guide	guide	VERB
bjmsr-2280	177	18	them	they	PRON
bjmsr-2280	177	19	through	through	ADP
bjmsr-2280	177	20	the	the	DET
bjmsr-2280	177	21	calculation	calculation	NOUN
bjmsr-2280	177	22	,	,	PUNCT
bjmsr-2280	177	23	distribution	distribution	NOUN
bjmsr-2280	177	24	,	,	PUNCT
bjmsr-2280	177	25	and	and	CCONJ
bjmsr-2280	177	26	various	various	ADJ
bjmsr-2280	177	27	intricacies	intricacy	NOUN
bjmsr-2280	177	28	of	of	ADP
bjmsr-2280	177	29	zakat	zakat	NOUN
bjmsr-2280	177	30	obligations	obligation	NOUN
bjmsr-2280	177	31	.	.	PUNCT
bjmsr-2280	178	1	this	this	DET
bjmsr-2280	178	2	personalized	personalized	ADJ
bjmsr-2280	178	3	assistance	assistance	NOUN
bjmsr-2280	178	4	ensures	ensure	VERB
bjmsr-2280	178	5	that	that	SCONJ
bjmsr-2280	178	6	zakat	zakat	NOUN
bjmsr-2280	178	7	is	be	AUX
bjmsr-2280	178	8	paid	pay	VERB
bjmsr-2280	178	9	correctly	correctly	ADV
bjmsr-2280	178	10	and	and	CCONJ
bjmsr-2280	178	11	according	accord	VERB
bjmsr-2280	178	12	to	to	ADP
bjmsr-2280	178	13	islamic	islamic	ADJ
bjmsr-2280	178	14	principles	principle	NOUN
bjmsr-2280	178	15	.	.	PUNCT
bjmsr-2280	179	1	conversely	conversely	ADV
bjmsr-2280	179	2	,	,	PUNCT
bjmsr-2280	179	3	online	online	ADJ
bjmsr-2280	179	4	zakat	zakat	NOUN
bjmsr-2280	179	5	systems	system	NOUN
bjmsr-2280	179	6	require	require	VERB
bjmsr-2280	179	7	users	user	NOUN
bjmsr-2280	179	8	to	to	PART
bjmsr-2280	179	9	independently	independently	ADV
bjmsr-2280	179	10	navigate	navigate	VERB
bjmsr-2280	179	11	the	the	DET
bjmsr-2280	179	12	process	process	NOUN
bjmsr-2280	179	13	,	,	PUNCT
bjmsr-2280	179	14	making	make	VERB
bjmsr-2280	179	15	it	it	PRON
bjmsr-2280	179	16	essential	essential	ADJ
bjmsr-2280	179	17	to	to	PART
bjmsr-2280	179	18	understand	understand	VERB
bjmsr-2280	179	19	zakat	zakat	NOUN
bjmsr-2280	179	20	rules	rule	NOUN
bjmsr-2280	179	21	and	and	CCONJ
bjmsr-2280	179	22	regulations	regulation	NOUN
bjmsr-2280	179	23	comprehensively	comprehensively	ADV
bjmsr-2280	179	24	.	.	PUNCT
bjmsr-2280	180	1	zakat	zakat	NOUN
bjmsr-2280	180	2	literacy	literacy	NOUN
bjmsr-2280	180	3	empowers	empower	VERB
bjmsr-2280	180	4	users	user	NOUN
bjmsr-2280	180	5	to	to	PART
bjmsr-2280	180	6	accurately	accurately	ADV
bjmsr-2280	180	7	determine	determine	VERB
bjmsr-2280	180	8	the	the	DET
bjmsr-2280	180	9	amount	amount	NOUN
bjmsr-2280	180	10	due	due	ADJ
bjmsr-2280	180	11	and	and	CCONJ
bjmsr-2280	180	12	utilize	utilize	VERB
bjmsr-2280	180	13	online	online	ADJ
bjmsr-2280	180	14	tools	tool	NOUN
bjmsr-2280	180	15	effectively	effectively	ADV
bjmsr-2280	180	16	,	,	PUNCT
bjmsr-2280	180	17	minimizing	minimize	VERB
bjmsr-2280	180	18	the	the	DET
bjmsr-2280	180	19	risk	risk	NOUN
bjmsr-2280	180	20	of	of	ADP
bjmsr-2280	180	21	errors	error	NOUN
bjmsr-2280	180	22	or	or	CCONJ
bjmsr-2280	180	23	misinterpretations	misinterpretation	NOUN
bjmsr-2280	180	24	.	.	PUNCT
bjmsr-2280	181	1	therefore	therefore	ADV
bjmsr-2280	181	2	,	,	PUNCT
bjmsr-2280	181	3	enhancing	enhance	VERB
bjmsr-2280	181	4	zakat	zakat	NOUN
bjmsr-2280	181	5	literacy	literacy	NOUN
bjmsr-2280	181	6	for	for	ADP
bjmsr-2280	181	7	online	online	ADJ
bjmsr-2280	181	8	users	user	NOUN
bjmsr-2280	181	9	ensures	ensure	VERB
bjmsr-2280	181	10	they	they	PRON
bjmsr-2280	181	11	can	can	AUX
bjmsr-2280	181	12	confidently	confidently	ADV
bjmsr-2280	181	13	fulfill	fulfill	VERB
bjmsr-2280	181	14	their	their	PRON
bjmsr-2280	181	15	religious	religious	ADJ
bjmsr-2280	181	16	duties	duty	NOUN
bjmsr-2280	181	17	without	without	ADP
bjmsr-2280	181	18	direct	direct	ADJ
bjmsr-2280	181	19	institutional	institutional	ADJ
bjmsr-2280	181	20	support	support	NOUN
bjmsr-2280	181	21	,	,	PUNCT
bjmsr-2280	181	22	fostering	foster	VERB
bjmsr-2280	181	23	a	a	DET
bjmsr-2280	181	24	more	more	ADV
bjmsr-2280	181	25	knowledgeable	knowledgeable	ADJ
bjmsr-2280	181	26	and	and	CCONJ
bjmsr-2280	181	27	self	self	NOUN
bjmsr-2280	181	28	-	-	PUNCT
bjmsr-2280	181	29	sufficient	sufficient	ADJ
bjmsr-2280	181	30	community	community	NOUN
bjmsr-2280	181	31	of	of	ADP
bjmsr-2280	181	32	zakat	zakat	NOUN
bjmsr-2280	181	33	payers	payer	NOUN
bjmsr-2280	181	34	.	.	PUNCT
bjmsr-2280	182	1	the	the	DET
bjmsr-2280	182	2	study	study	NOUN
bjmsr-2280	182	3	by	by	ADP
bjmsr-2280	182	4	kasri	kasri	PROPN
bjmsr-2280	182	5	and	and	CCONJ
bjmsr-2280	182	6	yuniar	yuniar	NOUN
bjmsr-2280	182	7	(	(	PUNCT
bjmsr-2280	182	8	2021	2021	NUM
bjmsr-2280	182	9	)	)	PUNCT
bjmsr-2280	182	10	,	,	PUNCT
bjmsr-2280	182	11	which	which	PRON
bjmsr-2280	182	12	showed	show	VERB
bjmsr-2280	182	13	a	a	DET
bjmsr-2280	182	14	favorable	favorable	ADJ
bjmsr-2280	182	15	correlation	correlation	NOUN
bjmsr-2280	182	16	between	between	ADP
bjmsr-2280	182	17	zakat	zakat	NOUN
bjmsr-2280	182	18	literacy	literacy	NOUN
bjmsr-2280	182	19	and	and	CCONJ
bjmsr-2280	182	20	intention	intention	NOUN
bjmsr-2280	182	21	to	to	PART
bjmsr-2280	182	22	pay	pay	VERB
bjmsr-2280	182	23	for	for	ADP
bjmsr-2280	182	24	zakat	zakat	NOUN
bjmsr-2280	182	25	using	use	VERB
bjmsr-2280	182	26	online	online	ADJ
bjmsr-2280	182	27	zakat	zakat	NOUN
bjmsr-2280	182	28	services	service	NOUN
bjmsr-2280	182	29	in	in	ADP
bjmsr-2280	182	30	indonesia	indonesia	PROPN
bjmsr-2280	182	31	,	,	PUNCT
bjmsr-2280	182	32	lends	lend	VERB
bjmsr-2280	182	33	weight	weight	NOUN
bjmsr-2280	182	34	to	to	ADP
bjmsr-2280	182	35	this	this	DET
bjmsr-2280	182	36	conclusion	conclusion	NOUN
bjmsr-2280	182	37	.	.	PUNCT
bjmsr-2280	183	1	rahman	rahman	PROPN
bjmsr-2280	183	2	et	et	PROPN
bjmsr-2280	183	3	al	al	PROPN
bjmsr-2280	183	4	.	.	PROPN
bjmsr-2280	183	5	,	,	PUNCT
bjmsr-2280	183	6	bangladesh	bangladesh	PROPN
bjmsr-2280	183	7	journal	journal	NOUN
bjmsr-2280	183	8	of	of	ADP
bjmsr-2280	183	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	183	10	scientific	scientific	ADJ
bjmsr-2280	183	11	research	research	NOUN
bjmsr-2280	183	12	10(1	10(1	NUM
bjmsr-2280	183	13	)	)	PUNCT
bjmsr-2280	183	14	(	(	PUNCT
bjmsr-2280	183	15	2025	2025	NUM
bjmsr-2280	183	16	)	)	PUNCT
bjmsr-2280	183	17	,	,	PUNCT
bjmsr-2280	183	18	1	1	NUM
bjmsr-2280	183	19	-	-	SYM
bjmsr-2280	183	20	10	10	NUM
bjmsr-2280	183	21	8	8	NUM
bjmsr-2280	183	22	conclusions	conclusion	NOUN
bjmsr-2280	183	23	this	this	DET
bjmsr-2280	183	24	study	study	NOUN
bjmsr-2280	183	25	investigates	investigate	VERB
bjmsr-2280	183	26	how	how	SCONJ
bjmsr-2280	183	27	economic	economic	ADJ
bjmsr-2280	183	28	and	and	CCONJ
bjmsr-2280	183	29	socio	socio	NOUN
bjmsr-2280	183	30	-	-	PUNCT
bjmsr-2280	183	31	psychological	psychological	ADJ
bjmsr-2280	183	32	factors	factor	NOUN
bjmsr-2280	183	33	,	,	PUNCT
bjmsr-2280	183	34	perceived	perceive	VERB
bjmsr-2280	183	35	risk	risk	NOUN
bjmsr-2280	183	36	,	,	PUNCT
bjmsr-2280	183	37	trust	trust	NOUN
bjmsr-2280	183	38	in	in	ADP
bjmsr-2280	183	39	zakat	zakat	PROPN
bjmsr-2280	183	40	institutions	institution	NOUN
bjmsr-2280	183	41	,	,	PUNCT
bjmsr-2280	183	42	zakat	zakat	NOUN
bjmsr-2280	183	43	literacy	literacy	NOUN
bjmsr-2280	183	44	,	,	PUNCT
bjmsr-2280	183	45	and	and	CCONJ
bjmsr-2280	183	46	prior	prior	ADJ
bjmsr-2280	183	47	experience	experience	NOUN
bjmsr-2280	183	48	affect	affect	VERB
bjmsr-2280	183	49	zakat	zakat	PROPN
bjmsr-2280	183	50	payers	payer	NOUN
bjmsr-2280	183	51	'	'	PART
bjmsr-2280	183	52	intention	intention	NOUN
bjmsr-2280	183	53	to	to	PART
bjmsr-2280	183	54	use	use	VERB
bjmsr-2280	183	55	online	online	ADJ
bjmsr-2280	183	56	zakat	zakat	NOUN
bjmsr-2280	183	57	payment	payment	NOUN
bjmsr-2280	183	58	systems	system	NOUN
bjmsr-2280	183	59	.	.	PUNCT
bjmsr-2280	184	1	this	this	DET
bjmsr-2280	184	2	study	study	NOUN
bjmsr-2280	184	3	's	's	PART
bjmsr-2280	184	4	empirical	empirical	ADJ
bjmsr-2280	184	5	findings	finding	NOUN
bjmsr-2280	184	6	provide	provide	VERB
bjmsr-2280	184	7	key	key	ADJ
bjmsr-2280	184	8	insights	insight	NOUN
bjmsr-2280	184	9	that	that	PRON
bjmsr-2280	184	10	can	can	AUX
bjmsr-2280	184	11	support	support	VERB
bjmsr-2280	184	12	zakat	zakat	NOUN
bjmsr-2280	184	13	institutions	institution	NOUN
bjmsr-2280	184	14	in	in	ADP
bjmsr-2280	184	15	increasing	increase	VERB
bjmsr-2280	184	16	the	the	DET
bjmsr-2280	184	17	adoption	adoption	NOUN
bjmsr-2280	184	18	of	of	ADP
bjmsr-2280	184	19	online	online	ADJ
bjmsr-2280	184	20	zakat	zakat	NOUN
bjmsr-2280	184	21	services	service	NOUN
bjmsr-2280	184	22	among	among	ADP
bjmsr-2280	184	23	payers	payer	NOUN
bjmsr-2280	184	24	.	.	PUNCT
bjmsr-2280	185	1	firstly	firstly	ADV
bjmsr-2280	185	2	,	,	PUNCT
bjmsr-2280	185	3	the	the	DET
bjmsr-2280	185	4	research	research	NOUN
bjmsr-2280	185	5	provides	provide	VERB
bjmsr-2280	185	6	valuable	valuable	ADJ
bjmsr-2280	185	7	guidance	guidance	NOUN
bjmsr-2280	185	8	to	to	ADP
bjmsr-2280	185	9	zakat	zakat	NOUN
bjmsr-2280	185	10	institution	institution	NOUN
bjmsr-2280	185	11	managers	manager	NOUN
bjmsr-2280	185	12	seeking	seek	VERB
bjmsr-2280	185	13	to	to	PART
bjmsr-2280	185	14	increase	increase	VERB
bjmsr-2280	185	15	the	the	DET
bjmsr-2280	185	16	adoption	adoption	NOUN
bjmsr-2280	185	17	of	of	ADP
bjmsr-2280	185	18	online	online	ADJ
bjmsr-2280	185	19	zakat	zakat	NOUN
bjmsr-2280	185	20	services	service	NOUN
bjmsr-2280	185	21	by	by	ADP
bjmsr-2280	185	22	highlighting	highlight	VERB
bjmsr-2280	185	23	the	the	DET
bjmsr-2280	185	24	crucial	crucial	ADJ
bjmsr-2280	185	25	role	role	NOUN
bjmsr-2280	185	26	of	of	ADP
bjmsr-2280	185	27	perceived	perceive	VERB
bjmsr-2280	185	28	risk	risk	NOUN
bjmsr-2280	185	29	.	.	PUNCT
bjmsr-2280	186	1	the	the	DET
bjmsr-2280	186	2	results	result	NOUN
bjmsr-2280	186	3	indicate	indicate	VERB
bjmsr-2280	186	4	that	that	SCONJ
bjmsr-2280	186	5	muzakkis	muzakkis	PROPN
bjmsr-2280	186	6	(	(	PUNCT
bjmsr-2280	186	7	zakat	zakat	NOUN
bjmsr-2280	186	8	payers	payer	NOUN
bjmsr-2280	186	9	)	)	PUNCT
bjmsr-2280	186	10	are	be	AUX
bjmsr-2280	186	11	highly	highly	ADV
bjmsr-2280	186	12	concerned	concerned	ADJ
bjmsr-2280	186	13	about	about	ADP
bjmsr-2280	186	14	the	the	DET
bjmsr-2280	186	15	risks	risk	NOUN
bjmsr-2280	186	16	of	of	ADP
bjmsr-2280	186	17	using	use	VERB
bjmsr-2280	186	18	online	online	ADJ
bjmsr-2280	186	19	platforms	platform	NOUN
bjmsr-2280	186	20	.	.	PUNCT
bjmsr-2280	187	1	to	to	PART
bjmsr-2280	187	2	significantly	significantly	ADV
bjmsr-2280	187	3	boost	boost	VERB
bjmsr-2280	187	4	the	the	DET
bjmsr-2280	187	5	intention	intention	NOUN
bjmsr-2280	187	6	to	to	PART
bjmsr-2280	187	7	adopt	adopt	VERB
bjmsr-2280	187	8	online	online	ADJ
bjmsr-2280	187	9	zakat	zakat	NOUN
bjmsr-2280	187	10	services	service	NOUN
bjmsr-2280	187	11	,	,	PUNCT
bjmsr-2280	187	12	zakat	zakat	NOUN
bjmsr-2280	187	13	institution	institution	NOUN
bjmsr-2280	187	14	managers	manager	NOUN
bjmsr-2280	187	15	should	should	AUX
bjmsr-2280	187	16	prioritize	prioritize	VERB
bjmsr-2280	187	17	and	and	CCONJ
bjmsr-2280	187	18	invest	invest	VERB
bjmsr-2280	187	19	in	in	ADP
bjmsr-2280	187	20	robust	robust	ADJ
bjmsr-2280	187	21	security	security	NOUN
bjmsr-2280	187	22	measures	measure	NOUN
bjmsr-2280	187	23	to	to	PART
bjmsr-2280	187	24	mitigate	mitigate	VERB
bjmsr-2280	187	25	risks	risk	NOUN
bjmsr-2280	187	26	such	such	ADJ
bjmsr-2280	187	27	as	as	ADP
bjmsr-2280	187	28	data	data	NOUN
bjmsr-2280	187	29	breaches	breach	NOUN
bjmsr-2280	187	30	and	and	CCONJ
bjmsr-2280	187	31	fraud	fraud	NOUN
bjmsr-2280	187	32	.	.	PUNCT
bjmsr-2280	188	1	building	build	VERB
bjmsr-2280	188	2	and	and	CCONJ
bjmsr-2280	188	3	maintaining	maintain	VERB
bjmsr-2280	188	4	trust	trust	NOUN
bjmsr-2280	188	5	involves	involve	VERB
bjmsr-2280	188	6	transparent	transparent	ADJ
bjmsr-2280	188	7	communication	communication	NOUN
bjmsr-2280	188	8	about	about	ADP
bjmsr-2280	188	9	these	these	DET
bjmsr-2280	188	10	security	security	NOUN
bjmsr-2280	188	11	protocols	protocol	NOUN
bjmsr-2280	188	12	,	,	PUNCT
bjmsr-2280	188	13	demonstrating	demonstrate	VERB
bjmsr-2280	188	14	a	a	DET
bjmsr-2280	188	15	commitment	commitment	NOUN
bjmsr-2280	188	16	to	to	ADP
bjmsr-2280	188	17	safeguarding	safeguard	VERB
bjmsr-2280	188	18	users	user	NOUN
bjmsr-2280	188	19	'	'	PART
bjmsr-2280	188	20	information	information	NOUN
bjmsr-2280	188	21	.	.	PUNCT
bjmsr-2280	189	1	additionally	additionally	ADV
bjmsr-2280	189	2	,	,	PUNCT
bjmsr-2280	189	3	offering	offer	VERB
bjmsr-2280	189	4	reliable	reliable	ADJ
bjmsr-2280	189	5	and	and	CCONJ
bjmsr-2280	189	6	accessible	accessible	ADJ
bjmsr-2280	189	7	customer	customer	NOUN
bjmsr-2280	189	8	support	support	NOUN
bjmsr-2280	189	9	can	can	AUX
bjmsr-2280	189	10	help	help	VERB
bjmsr-2280	189	11	address	address	VERB
bjmsr-2280	189	12	concerns	concern	NOUN
bjmsr-2280	189	13	promptly	promptly	ADV
bjmsr-2280	189	14	,	,	PUNCT
bjmsr-2280	189	15	reducing	reduce	VERB
bjmsr-2280	189	16	perceived	perceive	VERB
bjmsr-2280	189	17	risks	risk	NOUN
bjmsr-2280	189	18	.	.	PUNCT
bjmsr-2280	190	1	establishing	establish	VERB
bjmsr-2280	190	2	a	a	DET
bjmsr-2280	190	3	reputable	reputable	ADJ
bjmsr-2280	190	4	online	online	ADJ
bjmsr-2280	190	5	presence	presence	NOUN
bjmsr-2280	190	6	through	through	ADP
bjmsr-2280	190	7	user	user	NOUN
bjmsr-2280	190	8	testimonials	testimonial	NOUN
bjmsr-2280	190	9	,	,	PUNCT
bjmsr-2280	190	10	transparent	transparent	ADJ
bjmsr-2280	190	11	policies	policy	NOUN
bjmsr-2280	190	12	,	,	PUNCT
bjmsr-2280	190	13	and	and	CCONJ
bjmsr-2280	190	14	regular	regular	ADJ
bjmsr-2280	190	15	updates	update	NOUN
bjmsr-2280	190	16	reinforces	reinforce	VERB
bjmsr-2280	190	17	trust	trust	NOUN
bjmsr-2280	190	18	.	.	PUNCT
bjmsr-2280	191	1	by	by	ADP
bjmsr-2280	191	2	focusing	focus	VERB
bjmsr-2280	191	3	on	on	ADP
bjmsr-2280	191	4	these	these	DET
bjmsr-2280	191	5	aspects	aspect	NOUN
bjmsr-2280	191	6	,	,	PUNCT
bjmsr-2280	191	7	zakat	zakat	NOUN
bjmsr-2280	191	8	institutions	institution	NOUN
bjmsr-2280	191	9	can	can	AUX
bjmsr-2280	191	10	create	create	VERB
bjmsr-2280	191	11	a	a	DET
bjmsr-2280	191	12	more	more	ADV
bjmsr-2280	191	13	secure	secure	ADJ
bjmsr-2280	191	14	and	and	CCONJ
bjmsr-2280	191	15	trustworthy	trustworthy	ADJ
bjmsr-2280	191	16	environment	environment	NOUN
bjmsr-2280	191	17	,	,	PUNCT
bjmsr-2280	191	18	encouraging	encourage	VERB
bjmsr-2280	191	19	more	more	ADJ
bjmsr-2280	191	20	zakat	zakat	NOUN
bjmsr-2280	191	21	payers	payer	NOUN
bjmsr-2280	191	22	to	to	PART
bjmsr-2280	191	23	transition	transition	VERB
bjmsr-2280	191	24	to	to	ADP
bjmsr-2280	191	25	and	and	CCONJ
bjmsr-2280	191	26	consistently	consistently	ADV
bjmsr-2280	191	27	use	use	VERB
bjmsr-2280	191	28	online	online	ADJ
bjmsr-2280	191	29	payment	payment	NOUN
bjmsr-2280	191	30	systems	system	NOUN
bjmsr-2280	191	31	,	,	PUNCT
bjmsr-2280	191	32	streamlining	streamline	VERB
bjmsr-2280	191	33	the	the	DET
bjmsr-2280	191	34	zakat	zakat	NOUN
bjmsr-2280	191	35	collection	collection	NOUN
bjmsr-2280	191	36	and	and	CCONJ
bjmsr-2280	191	37	distribution	distribution	NOUN
bjmsr-2280	191	38	process	process	NOUN
bjmsr-2280	191	39	.	.	PUNCT
bjmsr-2280	192	1	secondly	secondly	ADV
bjmsr-2280	192	2	,	,	PUNCT
bjmsr-2280	192	3	the	the	DET
bjmsr-2280	192	4	study	study	NOUN
bjmsr-2280	192	5	finds	find	VERB
bjmsr-2280	192	6	that	that	SCONJ
bjmsr-2280	192	7	prior	prior	ADJ
bjmsr-2280	192	8	experience	experience	NOUN
bjmsr-2280	192	9	with	with	ADP
bjmsr-2280	192	10	online	online	ADJ
bjmsr-2280	192	11	zakat	zakat	PROPN
bjmsr-2280	192	12	services	service	NOUN
bjmsr-2280	192	13	significantly	significantly	ADV
bjmsr-2280	192	14	determines	determine	VERB
bjmsr-2280	192	15	the	the	DET
bjmsr-2280	192	16	intention	intention	NOUN
bjmsr-2280	192	17	to	to	PART
bjmsr-2280	192	18	adopt	adopt	VERB
bjmsr-2280	192	19	online	online	ADJ
bjmsr-2280	192	20	payment	payment	NOUN
bjmsr-2280	192	21	systems	system	NOUN
bjmsr-2280	192	22	.	.	PUNCT
bjmsr-2280	193	1	this	this	PRON
bjmsr-2280	193	2	underscores	underscore	VERB
bjmsr-2280	193	3	the	the	DET
bjmsr-2280	193	4	importance	importance	NOUN
bjmsr-2280	193	5	of	of	ADP
bjmsr-2280	193	6	zakat	zakat	NOUN
bjmsr-2280	193	7	institutions	institution	NOUN
bjmsr-2280	193	8	in	in	ADP
bjmsr-2280	193	9	ensuring	ensure	VERB
bjmsr-2280	193	10	that	that	SCONJ
bjmsr-2280	193	11	individuals	individual	NOUN
bjmsr-2280	193	12	who	who	PRON
bjmsr-2280	193	13	have	have	AUX
bjmsr-2280	193	14	previously	previously	ADV
bjmsr-2280	193	15	engaged	engage	VERB
bjmsr-2280	193	16	with	with	ADP
bjmsr-2280	193	17	online	online	ADJ
bjmsr-2280	193	18	zakat	zakat	NOUN
bjmsr-2280	193	19	platforms	platform	NOUN
bjmsr-2280	193	20	or	or	CCONJ
bjmsr-2280	193	21	similar	similar	ADJ
bjmsr-2280	193	22	technological	technological	ADJ
bjmsr-2280	193	23	solutions	solution	NOUN
bjmsr-2280	193	24	have	have	VERB
bjmsr-2280	193	25	positive	positive	ADJ
bjmsr-2280	193	26	experiences	experience	NOUN
bjmsr-2280	193	27	.	.	PUNCT
bjmsr-2280	194	1	smooth	smooth	ADJ
bjmsr-2280	194	2	and	and	CCONJ
bjmsr-2280	194	3	convenient	convenient	ADJ
bjmsr-2280	194	4	interactions	interaction	NOUN
bjmsr-2280	194	5	with	with	ADP
bjmsr-2280	194	6	technology	technology	NOUN
bjmsr-2280	194	7	can	can	AUX
bjmsr-2280	194	8	boost	boost	VERB
bjmsr-2280	194	9	confidence	confidence	NOUN
bjmsr-2280	194	10	in	in	ADP
bjmsr-2280	194	11	adopting	adopt	VERB
bjmsr-2280	194	12	online	online	ADJ
bjmsr-2280	194	13	zakat	zakat	NOUN
bjmsr-2280	194	14	payment	payment	NOUN
bjmsr-2280	194	15	systems	system	NOUN
bjmsr-2280	194	16	.	.	PUNCT
bjmsr-2280	195	1	conversely	conversely	ADV
bjmsr-2280	195	2	,	,	PUNCT
bjmsr-2280	195	3	negative	negative	ADJ
bjmsr-2280	195	4	experiences	experience	NOUN
bjmsr-2280	195	5	,	,	PUNCT
bjmsr-2280	195	6	such	such	ADJ
bjmsr-2280	195	7	as	as	ADP
bjmsr-2280	195	8	technical	technical	ADJ
bjmsr-2280	195	9	glitches	glitch	NOUN
bjmsr-2280	195	10	or	or	CCONJ
bjmsr-2280	195	11	security	security	NOUN
bjmsr-2280	195	12	concerns	concern	NOUN
bjmsr-2280	195	13	,	,	PUNCT
bjmsr-2280	195	14	can	can	AUX
bjmsr-2280	195	15	deter	deter	VERB
bjmsr-2280	195	16	individuals	individual	NOUN
bjmsr-2280	195	17	,	,	PUNCT
bjmsr-2280	195	18	leading	lead	VERB
bjmsr-2280	195	19	to	to	ADP
bjmsr-2280	195	20	skepticism	skepticism	NOUN
bjmsr-2280	195	21	about	about	ADP
bjmsr-2280	195	22	online	online	ADJ
bjmsr-2280	195	23	zakat	zakat	NOUN
bjmsr-2280	195	24	payment	payment	NOUN
bjmsr-2280	195	25	systems	system	NOUN
bjmsr-2280	195	26	.	.	PUNCT
bjmsr-2280	196	1	negative	negative	ADJ
bjmsr-2280	196	2	encounters	encounter	NOUN
bjmsr-2280	196	3	can	can	AUX
bjmsr-2280	196	4	erode	erode	VERB
bjmsr-2280	196	5	trust	trust	NOUN
bjmsr-2280	196	6	and	and	CCONJ
bjmsr-2280	196	7	raise	raise	VERB
bjmsr-2280	196	8	doubts	doubt	NOUN
bjmsr-2280	196	9	about	about	ADP
bjmsr-2280	196	10	the	the	DET
bjmsr-2280	196	11	system	system	NOUN
bjmsr-2280	196	12	's	's	PART
bjmsr-2280	196	13	reliability	reliability	NOUN
bjmsr-2280	196	14	and	and	CCONJ
bjmsr-2280	196	15	security	security	NOUN
bjmsr-2280	196	16	,	,	PUNCT
bjmsr-2280	196	17	potentially	potentially	ADV
bjmsr-2280	196	18	reducing	reduce	VERB
bjmsr-2280	196	19	adoption	adoption	NOUN
bjmsr-2280	196	20	intentions	intention	NOUN
bjmsr-2280	196	21	.	.	PUNCT
bjmsr-2280	197	1	therefore	therefore	ADV
bjmsr-2280	197	2	,	,	PUNCT
bjmsr-2280	197	3	prior	prior	ADJ
bjmsr-2280	197	4	experiences	experience	NOUN
bjmsr-2280	197	5	,	,	PUNCT
bjmsr-2280	197	6	whether	whether	SCONJ
bjmsr-2280	197	7	positive	positive	ADJ
bjmsr-2280	197	8	or	or	CCONJ
bjmsr-2280	197	9	negative	negative	ADJ
bjmsr-2280	197	10	,	,	PUNCT
bjmsr-2280	197	11	significantly	significantly	ADV
bjmsr-2280	197	12	shape	shape	VERB
bjmsr-2280	197	13	attitudes	attitude	NOUN
bjmsr-2280	197	14	and	and	CCONJ
bjmsr-2280	197	15	intentions	intention	NOUN
bjmsr-2280	197	16	toward	toward	ADP
bjmsr-2280	197	17	adopting	adopt	VERB
bjmsr-2280	197	18	online	online	ADJ
bjmsr-2280	197	19	zakat	zakat	NOUN
bjmsr-2280	197	20	payment	payment	NOUN
bjmsr-2280	197	21	systems	system	NOUN
bjmsr-2280	197	22	,	,	PUNCT
bjmsr-2280	197	23	with	with	ADP
bjmsr-2280	197	24	positive	positive	ADJ
bjmsr-2280	197	25	experiences	experience	NOUN
bjmsr-2280	197	26	facilitating	facilitate	VERB
bjmsr-2280	197	27	adoption	adoption	NOUN
bjmsr-2280	197	28	and	and	CCONJ
bjmsr-2280	197	29	negative	negative	ADJ
bjmsr-2280	197	30	experiences	experience	NOUN
bjmsr-2280	197	31	posing	pose	VERB
bjmsr-2280	197	32	potential	potential	ADJ
bjmsr-2280	197	33	barriers	barrier	NOUN
bjmsr-2280	197	34	.	.	PUNCT
bjmsr-2280	198	1	while	while	SCONJ
bjmsr-2280	198	2	this	this	DET
bjmsr-2280	198	3	study	study	NOUN
bjmsr-2280	198	4	makes	make	VERB
bjmsr-2280	198	5	significant	significant	ADJ
bjmsr-2280	198	6	contributions	contribution	NOUN
bjmsr-2280	198	7	by	by	ADP
bjmsr-2280	198	8	filling	fill	VERB
bjmsr-2280	198	9	research	research	NOUN
bjmsr-2280	198	10	gaps	gap	NOUN
bjmsr-2280	198	11	,	,	PUNCT
bjmsr-2280	198	12	offering	offer	VERB
bjmsr-2280	198	13	practical	practical	ADJ
bjmsr-2280	198	14	insights	insight	NOUN
bjmsr-2280	198	15	,	,	PUNCT
bjmsr-2280	198	16	and	and	CCONJ
bjmsr-2280	198	17	conducting	conduct	VERB
bjmsr-2280	198	18	a	a	DET
bjmsr-2280	198	19	comparative	comparative	ADJ
bjmsr-2280	198	20	analysis	analysis	NOUN
bjmsr-2280	198	21	of	of	ADP
bjmsr-2280	198	22	theoretical	theoretical	ADJ
bjmsr-2280	198	23	models	model	NOUN
bjmsr-2280	198	24	,	,	PUNCT
bjmsr-2280	198	25	it	it	PRON
bjmsr-2280	198	26	is	be	AUX
bjmsr-2280	198	27	important	important	ADJ
bjmsr-2280	198	28	to	to	PART
bjmsr-2280	198	29	acknowledge	acknowledge	VERB
bjmsr-2280	198	30	its	its	PRON
bjmsr-2280	198	31	limitations	limitation	NOUN
bjmsr-2280	198	32	.	.	PUNCT
bjmsr-2280	199	1	the	the	DET
bjmsr-2280	199	2	survey	survey	NOUN
bjmsr-2280	199	3	was	be	AUX
bjmsr-2280	199	4	exclusively	exclusively	ADV
bjmsr-2280	199	5	administered	administer	VERB
bjmsr-2280	199	6	to	to	ADP
bjmsr-2280	199	7	the	the	DET
bjmsr-2280	199	8	muzakki	muzakki	ADJ
bjmsr-2280	199	9	population	population	NOUN
bjmsr-2280	199	10	in	in	ADP
bjmsr-2280	199	11	perak	perak	PROPN
bjmsr-2280	199	12	,	,	PUNCT
bjmsr-2280	199	13	selangor	selangor	PROPN
bjmsr-2280	199	14	,	,	PUNCT
bjmsr-2280	199	15	and	and	CCONJ
bjmsr-2280	199	16	kelantan	kelantan	PROPN
bjmsr-2280	199	17	,	,	PUNCT
bjmsr-2280	199	18	malaysia	malaysia	PROPN
bjmsr-2280	199	19	.	.	PUNCT
bjmsr-2280	200	1	the	the	DET
bjmsr-2280	200	2	cross	cross	ADJ
bjmsr-2280	200	3	-	-	ADJ
bjmsr-2280	200	4	sectional	sectional	ADJ
bjmsr-2280	200	5	research	research	NOUN
bjmsr-2280	200	6	design	design	NOUN
bjmsr-2280	200	7	also	also	ADV
bjmsr-2280	200	8	means	mean	VERB
bjmsr-2280	200	9	that	that	SCONJ
bjmsr-2280	200	10	results	result	NOUN
bjmsr-2280	200	11	may	may	AUX
bjmsr-2280	200	12	vary	vary	VERB
bjmsr-2280	200	13	in	in	ADP
bjmsr-2280	200	14	different	different	ADJ
bjmsr-2280	200	15	contexts	context	NOUN
bjmsr-2280	200	16	and	and	CCONJ
bjmsr-2280	200	17	times	time	NOUN
bjmsr-2280	200	18	.	.	PUNCT
bjmsr-2280	201	1	therefore	therefore	ADV
bjmsr-2280	201	2	,	,	PUNCT
bjmsr-2280	201	3	generalizing	generalize	VERB
bjmsr-2280	201	4	the	the	DET
bjmsr-2280	201	5	findings	finding	NOUN
bjmsr-2280	201	6	should	should	AUX
bjmsr-2280	201	7	be	be	AUX
bjmsr-2280	201	8	done	do	VERB
bjmsr-2280	201	9	with	with	ADP
bjmsr-2280	201	10	caution	caution	NOUN
bjmsr-2280	201	11	.	.	PUNCT
bjmsr-2280	202	1	future	future	ADJ
bjmsr-2280	202	2	studies	study	NOUN
bjmsr-2280	202	3	should	should	AUX
bjmsr-2280	202	4	encompass	encompass	VERB
bjmsr-2280	202	5	a	a	DET
bjmsr-2280	202	6	more	more	ADV
bjmsr-2280	202	7	diverse	diverse	ADJ
bjmsr-2280	202	8	geographical	geographical	ADJ
bjmsr-2280	202	9	range	range	NOUN
bjmsr-2280	202	10	,	,	PUNCT
bjmsr-2280	202	11	including	include	VERB
bjmsr-2280	202	12	other	other	ADJ
bjmsr-2280	202	13	countries	country	NOUN
bjmsr-2280	202	14	,	,	PUNCT
bjmsr-2280	202	15	to	to	PART
bjmsr-2280	202	16	ensure	ensure	VERB
bjmsr-2280	202	17	the	the	DET
bjmsr-2280	202	18	generalization	generalization	NOUN
bjmsr-2280	202	19	of	of	ADP
bjmsr-2280	202	20	the	the	DET
bjmsr-2280	202	21	results	result	NOUN
bjmsr-2280	202	22	obtained	obtain	VERB
bjmsr-2280	202	23	in	in	ADP
bjmsr-2280	202	24	this	this	DET
bjmsr-2280	202	25	study	study	NOUN
bjmsr-2280	202	26	.	.	PUNCT
bjmsr-2280	203	1	author	author	NOUN
bjmsr-2280	203	2	contributions	contribution	NOUN
bjmsr-2280	203	3	:	:	PUNCT
bjmsr-2280	203	4	conceptualization	conceptualization	NOUN
bjmsr-2280	203	5	,	,	PUNCT
bjmsr-2280	203	6	r.a.r	r.a.r	NOUN
bjmsr-2280	203	7	.	.	PUNCT
bjmsr-2280	203	8	,	,	PUNCT
bjmsr-2280	203	9	and	and	CCONJ
bjmsr-2280	203	10	e.n.s	e.n.s	ADV
bjmsr-2280	203	11	;	;	PUNCT
bjmsr-2280	203	12	methodology	methodology	NOUN
bjmsr-2280	203	13	,	,	PUNCT
bjmsr-2280	203	14	s.h.m.r	s.h.m.r	PROPN
bjmsr-2280	203	15	.	.	PROPN
bjmsr-2280	203	16	,	,	PUNCT
bjmsr-2280	203	17	and	and	CCONJ
bjmsr-2280	203	18	f.s	f.s	PROPN
bjmsr-2280	203	19	.	.	PROPN
bjmsr-2280	203	20	;	;	PUNCT
bjmsr-2280	203	21	software	software	NOUN
bjmsr-2280	203	22	,	,	PUNCT
bjmsr-2280	203	23	r.a.r	r.a.r	NOUN
bjmsr-2280	203	24	,	,	PUNCT
bjmsr-2280	203	25	and	and	CCONJ
bjmsr-2280	203	26	n.z	n.z	PROPN
bjmsr-2280	203	27	.	.	PROPN
bjmsr-2280	203	28	;	;	PUNCT
bjmsr-2280	203	29	validation	validation	NOUN
bjmsr-2280	203	30	,	,	PUNCT
bjmsr-2280	203	31	n.z	n.z	PROPN
bjmsr-2280	203	32	.	.	PROPN
bjmsr-2280	203	33	;	;	PUNCT
bjmsr-2280	203	34	formal	formal	ADJ
bjmsr-2280	203	35	analysis	analysis	NOUN
bjmsr-2280	203	36	,	,	PUNCT
bjmsr-2280	203	37	r.a.r	r.a.r	NOUN
bjmsr-2280	203	38	.	.	PUNCT
bjmsr-2280	203	39	and	and	CCONJ
bjmsr-2280	203	40	n.z	n.z	PROPN
bjmsr-2280	203	41	.	.	PROPN
bjmsr-2280	203	42	;	;	PUNCT
bjmsr-2280	203	43	investigation	investigation	NOUN
bjmsr-2280	203	44	,	,	PUNCT
bjmsr-2280	203	45	r.a.r	r.a.r	NOUN
bjmsr-2280	203	46	..	..	PUNCT
bjmsr-2280	203	47	;	;	PUNCT
bjmsr-2280	203	48	resources	resource	NOUN
bjmsr-2280	203	49	,	,	PUNCT
bjmsr-2280	203	50	e.n.s	e.n.s	ADV
bjmsr-2280	203	51	.	.	PUNCT
bjmsr-2280	203	52	;	;	PUNCT
bjmsr-2280	203	53	data	datum	NOUN
bjmsr-2280	203	54	curation	curation	NOUN
bjmsr-2280	203	55	,	,	PUNCT
bjmsr-2280	203	56	s.h.m.r	s.h.m.r	PROPN
bjmsr-2280	203	57	.	.	PROPN
bjmsr-2280	203	58	;	;	PUNCT
bjmsr-2280	203	59	writing	write	VERB
bjmsr-2280	203	60	–	–	PUNCT
bjmsr-2280	203	61	original	original	ADJ
bjmsr-2280	203	62	draft	draft	NOUN
bjmsr-2280	203	63	preparation	preparation	NOUN
bjmsr-2280	203	64	,	,	PUNCT
bjmsr-2280	203	65	r.a.r	r.a.r	NOUN
bjmsr-2280	203	66	;	;	PUNCT
bjmsr-2280	203	67	writing	write	VERB
bjmsr-2280	203	68	–	–	PUNCT
bjmsr-2280	203	69	review	review	NOUN
bjmsr-2280	203	70	&	&	CCONJ
bjmsr-2280	203	71	editing	editing	NOUN
bjmsr-2280	203	72	,	,	PUNCT
bjmsr-2280	203	73	e.n.s	e.n.s	ADV
bjmsr-2280	203	74	.	.	PUNCT
bjmsr-2280	203	75	and	and	CCONJ
bjmsr-2280	203	76	s.h.m.r	s.h.m.r	PROPN
bjmsr-2280	203	77	.	.	PROPN
bjmsr-2280	203	78	;	;	PUNCT
bjmsr-2280	203	79	visualization	visualization	NOUN
bjmsr-2280	203	80	,	,	PUNCT
bjmsr-2280	203	81	f.s	f.s	PROPN
bjmsr-2280	203	82	.	.	PROPN
bjmsr-2280	203	83	,	,	PUNCT
bjmsr-2280	203	84	supervision	supervision	NOUN
bjmsr-2280	203	85	,	,	PUNCT
bjmsr-2280	203	86	f.s	f.s	PROPN
bjmsr-2280	203	87	.	.	PROPN
bjmsr-2280	203	88	;	;	PUNCT
bjmsr-2280	203	89	funding	funding	NOUN
bjmsr-2280	203	90	acquisition	acquisition	NOUN
bjmsr-2280	203	91	,	,	PUNCT
bjmsr-2280	203	92	s.h.m.r	s.h.m.r	PROPN
bjmsr-2280	203	93	.	.	PROPN
bjmsr-2280	203	94	,	,	PUNCT
bjmsr-2280	203	95	r.a.r	r.a.r	NOUN
bjmsr-2280	203	96	.	.	PUNCT
bjmsr-2280	204	1	and	and	CCONJ
bjmsr-2280	204	2	e.n.s	e.n.s	ADV
bjmsr-2280	204	3	.	.	PUNCT
bjmsr-2280	205	1	authors	author	NOUN
bjmsr-2280	205	2	have	have	AUX
bjmsr-2280	205	3	read	read	VERB
bjmsr-2280	205	4	and	and	CCONJ
bjmsr-2280	205	5	agreed	agree	VERB
bjmsr-2280	205	6	to	to	ADP
bjmsr-2280	205	7	the	the	DET
bjmsr-2280	205	8	published	publish	VERB
bjmsr-2280	205	9	version	version	NOUN
bjmsr-2280	205	10	of	of	ADP
bjmsr-2280	205	11	the	the	DET
bjmsr-2280	205	12	manuscript	manuscript	NOUN
bjmsr-2280	205	13	.	.	PUNCT
bjmsr-2280	206	1	institutional	institutional	ADJ
bjmsr-2280	206	2	review	review	PROPN
bjmsr-2280	206	3	board	board	NOUN
bjmsr-2280	206	4	statement	statement	NOUN
bjmsr-2280	206	5	:	:	PUNCT
bjmsr-2280	206	6	ethical	ethical	ADJ
bjmsr-2280	206	7	review	review	NOUN
bjmsr-2280	206	8	and	and	CCONJ
bjmsr-2280	206	9	approval	approval	NOUN
bjmsr-2280	206	10	were	be	AUX
bjmsr-2280	206	11	waived	waive	VERB
bjmsr-2280	206	12	for	for	ADP
bjmsr-2280	206	13	this	this	DET
bjmsr-2280	206	14	study	study	NOUN
bjmsr-2280	206	15	because	because	SCONJ
bjmsr-2280	206	16	the	the	DET
bjmsr-2280	206	17	research	research	NOUN
bjmsr-2280	206	18	does	do	AUX
bjmsr-2280	206	19	not	not	PART
bjmsr-2280	206	20	deal	deal	VERB
bjmsr-2280	206	21	with	with	ADP
bjmsr-2280	206	22	vulnerable	vulnerable	ADJ
bjmsr-2280	206	23	groups	group	NOUN
bjmsr-2280	206	24	or	or	CCONJ
bjmsr-2280	206	25	sensitive	sensitive	ADJ
bjmsr-2280	206	26	issues	issue	NOUN
bjmsr-2280	206	27	.	.	PUNCT
bjmsr-2280	207	1	funding	funding	NOUN
bjmsr-2280	207	2	:	:	PUNCT
bjmsr-2280	207	3	the	the	DET
bjmsr-2280	207	4	research	research	NOUN
bjmsr-2280	207	5	received	receive	VERB
bjmsr-2280	207	6	funding	funding	NOUN
bjmsr-2280	207	7	from	from	ADP
bjmsr-2280	207	8	the	the	DET
bjmsr-2280	207	9	ministry	ministry	PROPN
bjmsr-2280	207	10	of	of	ADP
bjmsr-2280	207	11	higher	high	ADJ
bjmsr-2280	207	12	education	education	NOUN
bjmsr-2280	207	13	,	,	PUNCT
bjmsr-2280	207	14	malaysia	malaysia	PROPN
bjmsr-2280	207	15	under	under	ADP
bjmsr-2280	207	16	the	the	DET
bjmsr-2280	207	17	frgs	frgs	PROPN
bjmsr-2280	207	18	grant	grant	PROPN
bjmsr-2280	207	19	(	(	PUNCT
bjmsr-2280	207	20	frgs/1/2022	frgs/1/2022	PROPN
bjmsr-2280	207	21	/	/	SYM
bjmsr-2280	207	22	ss01	ss01	PROPN
bjmsr-2280	207	23	/	/	SYM
bjmsr-2280	207	24	uitm/02/37	uitm/02/37	ADJ
bjmsr-2280	207	25	)	)	PUNCT
bjmsr-2280	207	26	.	.	PUNCT
bjmsr-2280	208	1	acknowledgments	acknowledgment	NOUN
bjmsr-2280	208	2	:	:	PUNCT
bjmsr-2280	208	3	the	the	DET
bjmsr-2280	208	4	authors	author	NOUN
bjmsr-2280	208	5	would	would	AUX
bjmsr-2280	208	6	like	like	VERB
bjmsr-2280	208	7	to	to	PART
bjmsr-2280	208	8	thank	thank	VERB
bjmsr-2280	208	9	the	the	DET
bjmsr-2280	208	10	financial	financial	ADJ
bjmsr-2280	208	11	support	support	NOUN
bjmsr-2280	208	12	granted	grant	VERB
bjmsr-2280	208	13	by	by	ADP
bjmsr-2280	208	14	the	the	DET
bjmsr-2280	208	15	ministry	ministry	PROPN
bjmsr-2280	208	16	of	of	ADP
bjmsr-2280	208	17	higher	high	ADJ
bjmsr-2280	208	18	education	education	NOUN
bjmsr-2280	208	19	,	,	PUNCT
bjmsr-2280	208	20	malaysia	malaysia	PROPN
bjmsr-2280	208	21	,	,	PUNCT
bjmsr-2280	208	22	for	for	ADP
bjmsr-2280	208	23	this	this	DET
bjmsr-2280	208	24	project	project	NOUN
bjmsr-2280	208	25	under	under	ADP
bjmsr-2280	208	26	the	the	DET
bjmsr-2280	208	27	frgs	frgs	PROPN
bjmsr-2280	208	28	grant	grant	PROPN
bjmsr-2280	208	29	(	(	PUNCT
bjmsr-2280	208	30	frgs/1/2022	frgs/1/2022	PROPN
bjmsr-2280	208	31	/	/	SYM
bjmsr-2280	208	32	ss01	ss01	PROPN
bjmsr-2280	208	33	/	/	SYM
bjmsr-2280	208	34	uitm/02/37	uitm/02/37	ADJ
bjmsr-2280	208	35	)	)	PUNCT
bjmsr-2280	208	36	,	,	PUNCT
bjmsr-2280	208	37	accounting	account	VERB
bjmsr-2280	208	38	research	research	PROPN
bjmsr-2280	208	39	institute	institute	PROPN
bjmsr-2280	208	40	(	(	PUNCT
bjmsr-2280	208	41	hicoe	hicoe	PROPN
bjmsr-2280	208	42	)	)	PUNCT
bjmsr-2280	208	43	,	,	PUNCT
bjmsr-2280	208	44	universiti	universiti	PROPN
bjmsr-2280	208	45	teknologi	teknologi	PROPN
bjmsr-2280	208	46	mara	mara	PROPN
bjmsr-2280	208	47	and	and	CCONJ
bjmsr-2280	208	48	universiti	universiti	PROPN
bjmsr-2280	208	49	poly	poly	ADJ
bjmsr-2280	208	50	-	-	PUNCT
bjmsr-2280	208	51	tech	tech	NOUN
bjmsr-2280	208	52	malaysia	malaysia	NOUN
bjmsr-2280	208	53	,	,	PUNCT
bjmsr-2280	208	54	for	for	ADP
bjmsr-2280	208	55	providing	provide	VERB
bjmsr-2280	208	56	the	the	DET
bjmsr-2280	208	57	necessary	necessary	ADJ
bjmsr-2280	208	58	financial	financial	ADJ
bjmsr-2280	208	59	assistance	assistance	NOUN
bjmsr-2280	208	60	for	for	ADP
bjmsr-2280	208	61	this	this	DET
bjmsr-2280	208	62	study	study	NOUN
bjmsr-2280	208	63	.	.	PUNCT
bjmsr-2280	209	1	informed	informed	ADJ
bjmsr-2280	209	2	consent	consent	NOUN
bjmsr-2280	209	3	statement	statement	NOUN
bjmsr-2280	209	4	:	:	PUNCT
bjmsr-2280	209	5	informed	inform	VERB
bjmsr-2280	209	6	consent	consent	NOUN
bjmsr-2280	209	7	was	be	AUX
bjmsr-2280	209	8	obtained	obtain	VERB
bjmsr-2280	209	9	from	from	ADP
bjmsr-2280	209	10	all	all	DET
bjmsr-2280	209	11	subjects	subject	NOUN
bjmsr-2280	209	12	involved	involve	VERB
bjmsr-2280	209	13	in	in	ADP
bjmsr-2280	209	14	the	the	DET
bjmsr-2280	209	15	study	study	NOUN
bjmsr-2280	209	16	since	since	SCONJ
bjmsr-2280	209	17	it	it	PRON
bjmsr-2280	209	18	is	be	AUX
bjmsr-2280	209	19	voluntary	voluntary	ADJ
bjmsr-2280	209	20	,	,	PUNCT
bjmsr-2280	209	21	and	and	CCONJ
bjmsr-2280	209	22	the	the	DET
bjmsr-2280	209	23	statement	statement	NOUN
bjmsr-2280	209	24	is	be	AUX
bjmsr-2280	209	25	included	include	VERB
bjmsr-2280	209	26	on	on	ADP
bjmsr-2280	209	27	the	the	DET
bjmsr-2280	209	28	first	first	ADJ
bjmsr-2280	209	29	page	page	NOUN
bjmsr-2280	209	30	of	of	ADP
bjmsr-2280	209	31	the	the	DET
bjmsr-2280	209	32	questionnaire	questionnaire	NOUN
bjmsr-2280	209	33	.	.	PUNCT
bjmsr-2280	210	1	data	datum	NOUN
bjmsr-2280	210	2	availability	availability	NOUN
bjmsr-2280	210	3	statement	statement	NOUN
bjmsr-2280	210	4	:	:	PUNCT
bjmsr-2280	210	5	the	the	DET
bjmsr-2280	210	6	data	datum	NOUN
bjmsr-2280	210	7	presented	present	VERB
bjmsr-2280	210	8	in	in	ADP
bjmsr-2280	210	9	this	this	DET
bjmsr-2280	210	10	study	study	NOUN
bjmsr-2280	210	11	are	be	AUX
bjmsr-2280	210	12	available	available	ADJ
bjmsr-2280	210	13	on	on	ADP
bjmsr-2280	210	14	request	request	NOUN
bjmsr-2280	210	15	from	from	ADP
bjmsr-2280	210	16	the	the	DET
bjmsr-2280	210	17	corresponding	corresponding	ADJ
bjmsr-2280	210	18	author	author	NOUN
bjmsr-2280	210	19	.	.	PUNCT
bjmsr-2280	211	1	the	the	DET
bjmsr-2280	211	2	data	datum	NOUN
bjmsr-2280	211	3	are	be	AUX
bjmsr-2280	211	4	not	not	PART
bjmsr-2280	211	5	publicly	publicly	ADV
bjmsr-2280	211	6	available	available	ADJ
bjmsr-2280	211	7	due	due	ADP
bjmsr-2280	211	8	to	to	ADP
bjmsr-2280	211	9	restrictions	restriction	NOUN
bjmsr-2280	211	10	.	.	PUNCT
bjmsr-2280	212	1	conflicts	conflict	NOUN
bjmsr-2280	212	2	of	of	ADP
bjmsr-2280	212	3	interest	interest	NOUN
bjmsr-2280	212	4	:	:	PUNCT
bjmsr-2280	212	5	the	the	DET
bjmsr-2280	212	6	authors	author	NOUN
bjmsr-2280	212	7	declare	declare	VERB
bjmsr-2280	212	8	no	no	DET
bjmsr-2280	212	9	conflict	conflict	NOUN
bjmsr-2280	212	10	of	of	ADP
bjmsr-2280	212	11	interest	interest	NOUN
bjmsr-2280	212	12	.	.	PUNCT
bjmsr-2280	213	1	references	reference	NOUN
bjmsr-2280	213	2	ahmad	ahmad	PROPN
bjmsr-2280	213	3	,	,	PUNCT
bjmsr-2280	213	4	n.	n.	PROPN
bjmsr-2280	213	5	n.	n.	PROPN
bjmsr-2280	213	6	,	,	PUNCT
bjmsr-2280	213	7	tarmidi	tarmidi	NOUN
bjmsr-2280	213	8	,	,	PUNCT
bjmsr-2280	213	9	m.	m.	NOUN
bjmsr-2280	213	10	,	,	PUNCT
bjmsr-2280	213	11	ridzwan	ridzwan	PROPN
bjmsr-2280	213	12	,	,	PUNCT
bjmsr-2280	213	13	i.	i.	PROPN
bjmsr-2280	213	14	u.	u.	PROPN
bjmsr-2280	213	15	,	,	PUNCT
bjmsr-2280	213	16	hamid	hamid	PROPN
bjmsr-2280	213	17	,	,	PUNCT
bjmsr-2280	213	18	m.	m.	NOUN
bjmsr-2280	213	19	a.	a.	PROPN
bjmsr-2280	213	20	,	,	PUNCT
bjmsr-2280	213	21	&	&	CCONJ
bjmsr-2280	213	22	roni	roni	PROPN
bjmsr-2280	213	23	,	,	PUNCT
bjmsr-2280	213	24	r.	r.	PROPN
bjmsr-2280	213	25	a.	a.	PROPN
bjmsr-2280	213	26	(	(	PUNCT
bjmsr-2280	213	27	2014	2014	NUM
bjmsr-2280	213	28	)	)	PUNCT
bjmsr-2280	213	29	.	.	PUNCT
bjmsr-2280	214	1	applying	apply	VERB
bjmsr-2280	214	2	the	the	DET
bjmsr-2280	214	3	unified	unified	ADJ
bjmsr-2280	214	4	theory	theory	NOUN
bjmsr-2280	214	5	of	of	ADP
bjmsr-2280	214	6	acceptance	acceptance	NOUN
bjmsr-2280	214	7	and	and	CCONJ
bjmsr-2280	214	8	use	use	NOUN
bjmsr-2280	214	9	of	of	ADP
bjmsr-2280	214	10	technology	technology	NOUN
bjmsr-2280	214	11	(	(	PUNCT
bjmsr-2280	214	12	utaut	utaut	NOUN
bjmsr-2280	214	13	)	)	PUNCT
bjmsr-2280	214	14	for	for	ADP
bjmsr-2280	214	15	predicting	predict	VERB
bjmsr-2280	214	16	the	the	DET
bjmsr-2280	214	17	usage	usage	NOUN
bjmsr-2280	214	18	of	of	ADP
bjmsr-2280	214	19	the	the	DET
bjmsr-2280	214	20	e	e	NOUN
bjmsr-2280	214	21	-	-	NOUN
bjmsr-2280	214	22	zakat	zakat	ADJ
bjmsr-2280	214	23	online	online	ADJ
bjmsr-2280	214	24	system	system	NOUN
bjmsr-2280	214	25	.	.	PUNCT
bjmsr-2280	215	1	international	international	ADJ
bjmsr-2280	215	2	journal	journal	PROPN
bjmsr-2280	215	3	of	of	ADP
bjmsr-2280	215	4	science	science	NOUN
bjmsr-2280	215	5	and	and	CCONJ
bjmsr-2280	215	6	research	research	NOUN
bjmsr-2280	215	7	(	(	PUNCT
bjmsr-2280	215	8	ijsr	ijsr	PROPN
bjmsr-2280	215	9	)	)	PUNCT
bjmsr-2280	215	10	,	,	PUNCT
bjmsr-2280	215	11	3(4	3(4	NUM
bjmsr-2280	215	12	)	)	PUNCT
bjmsr-2280	215	13	,	,	PUNCT
bjmsr-2280	215	14	63	63	NUM
bjmsr-2280	215	15	-	-	SYM
bjmsr-2280	215	16	70	70	NUM
bjmsr-2280	215	17	.	.	PUNCT
bjmsr-2280	215	18	retrieved	retrieve	VERB
bjmsr-2280	215	19	from	from	ADP
bjmsr-2280	215	20	https://www.ijsr.net/getabstract.php?paperid=20131421	https://www.ijsr.net/getabstract.php?paperid=20131421	PROPN
bjmsr-2280	215	21	ahmad	ahmad	PROPN
bjmsr-2280	215	22	,	,	PUNCT
bjmsr-2280	215	23	s.	s.	PROPN
bjmsr-2280	215	24	m.	m.	PROPN
bjmsr-2280	215	25	,	,	PUNCT
bjmsr-2280	215	26	&	&	CCONJ
bjmsr-2280	215	27	mamun	mamun	PROPN
bjmsr-2280	215	28	,	,	PUNCT
bjmsr-2280	215	29	a.	a.	NOUN
bjmsr-2280	215	30	a.	a.	NOUN
bjmsr-2280	215	31	(	(	PUNCT
bjmsr-2280	215	32	2020	2020	NUM
bjmsr-2280	215	33	)	)	PUNCT
bjmsr-2280	215	34	.	.	PUNCT
bjmsr-2280	216	1	opportunities	opportunity	NOUN
bjmsr-2280	216	2	of	of	ADP
bjmsr-2280	216	3	islamic	islamic	ADJ
bjmsr-2280	216	4	fintech	fintech	NOUN
bjmsr-2280	216	5	:	:	PUNCT
bjmsr-2280	216	6	the	the	DET
bjmsr-2280	216	7	case	case	NOUN
bjmsr-2280	216	8	of	of	ADP
bjmsr-2280	216	9	bangladesh	bangladesh	NOUN
bjmsr-2280	216	10	and	and	CCONJ
bjmsr-2280	216	11	turkey	turkey	NOUN
bjmsr-2280	216	12	.	.	PUNCT
bjmsr-2280	217	1	cenraps	cenrap	NOUN
bjmsr-2280	217	2	journal	journal	PROPN
bjmsr-2280	217	3	of	of	ADP
bjmsr-2280	217	4	social	social	ADJ
bjmsr-2280	217	5	sciences	science	NOUN
bjmsr-2280	217	6	,	,	PUNCT
bjmsr-2280	217	7	2(3	2(3	NUM
bjmsr-2280	217	8	)	)	PUNCT
bjmsr-2280	217	9	,	,	PUNCT
bjmsr-2280	217	10	412–426	412–426	NUM
bjmsr-2280	217	11	.	.	PROPN
bjmsr-2280	217	12	https://doi.org/10.46291/cenraps.v2i3.39	https://doi.org/10.46291/cenraps.v2i3.39	PROPN
bjmsr-2280	217	13	ajzen	ajzen	PROPN
bjmsr-2280	217	14	,	,	PUNCT
bjmsr-2280	217	15	i.	i.	NOUN
bjmsr-2280	217	16	,	,	PUNCT
bjmsr-2280	217	17	&	&	CCONJ
bjmsr-2280	217	18	fishbein	fishbein	PROPN
bjmsr-2280	217	19	,	,	PUNCT
bjmsr-2280	217	20	m.	m.	NOUN
bjmsr-2280	217	21	(	(	PUNCT
bjmsr-2280	217	22	2000	2000	NUM
bjmsr-2280	217	23	)	)	PUNCT
bjmsr-2280	217	24	.	.	PUNCT
bjmsr-2280	218	1	attitudes	attitude	NOUN
bjmsr-2280	218	2	and	and	CCONJ
bjmsr-2280	218	3	the	the	DET
bjmsr-2280	218	4	attitude	attitude	NOUN
bjmsr-2280	218	5	-	-	PUNCT
bjmsr-2280	218	6	behavior	behavior	NOUN
bjmsr-2280	218	7	relation	relation	NOUN
bjmsr-2280	218	8	:	:	PUNCT
bjmsr-2280	218	9	reasoned	reason	VERB
bjmsr-2280	218	10	and	and	CCONJ
bjmsr-2280	218	11	automatic	automatic	ADJ
bjmsr-2280	218	12	processes	process	NOUN
bjmsr-2280	218	13	.	.	PUNCT
bjmsr-2280	219	1	european	european	PROPN
bjmsr-2280	219	2	review	review	PROPN
bjmsr-2280	219	3	of	of	ADP
bjmsr-2280	219	4	social	social	ADJ
bjmsr-2280	219	5	psychology	psychology	NOUN
bjmsr-2280	219	6	,	,	PUNCT
bjmsr-2280	219	7	11(1	11(1	NUM
bjmsr-2280	219	8	)	)	PUNCT
bjmsr-2280	219	9	,	,	PUNCT
bjmsr-2280	219	10	1–33	1–33	NOUN
bjmsr-2280	219	11	.	.	PUNCT
bjmsr-2280	220	1	https://doi.org/10.1080/14792779943000116	https://doi.org/10.1080/14792779943000116	NOUN
bjmsr-2280	220	2	akturan	akturan	ADJ
bjmsr-2280	220	3	,	,	PUNCT
bjmsr-2280	220	4	u.	u.	PROPN
bjmsr-2280	220	5	,	,	PUNCT
bjmsr-2280	220	6	&	&	CCONJ
bjmsr-2280	220	7	tezcan	tezcan	PROPN
bjmsr-2280	220	8	,	,	PUNCT
bjmsr-2280	220	9	n.	n.	PROPN
bjmsr-2280	220	10	(	(	PUNCT
bjmsr-2280	220	11	2012	2012	NUM
bjmsr-2280	220	12	)	)	PUNCT
bjmsr-2280	220	13	.	.	PUNCT
bjmsr-2280	221	1	mobile	mobile	ADJ
bjmsr-2280	221	2	banking	banking	NOUN
bjmsr-2280	221	3	adoption	adoption	NOUN
bjmsr-2280	221	4	of	of	ADP
bjmsr-2280	221	5	the	the	DET
bjmsr-2280	221	6	youth	youth	NOUN
bjmsr-2280	221	7	market	market	NOUN
bjmsr-2280	221	8	:	:	PUNCT
bjmsr-2280	221	9	perceptions	perception	NOUN
bjmsr-2280	221	10	and	and	CCONJ
bjmsr-2280	221	11	intentions	intention	NOUN
bjmsr-2280	221	12	.	.	PUNCT
bjmsr-2280	222	1	marketing	marketing	NOUN
bjmsr-2280	222	2	intelligence	intelligence	PROPN
bjmsr-2280	222	3	&	&	CCONJ
bjmsr-2280	222	4	planning	planning	PROPN
bjmsr-2280	222	5	,	,	PUNCT
bjmsr-2280	222	6	30(4	30(4	NUM
bjmsr-2280	222	7	)	)	PUNCT
bjmsr-2280	222	8	,	,	PUNCT
bjmsr-2280	222	9	444	444	NUM
bjmsr-2280	222	10	-	-	SYM
bjmsr-2280	222	11	459	459	NUM
bjmsr-2280	222	12	.	.	PUNCT
bjmsr-2280	223	1	https://doi.org/10.1108/02634501211231928	https://doi.org/10.1108/02634501211231928	X
bjmsr-2280	223	2	ali	ali	PROPN
bjmsr-2280	223	3	,	,	PUNCT
bjmsr-2280	223	4	h.	h.	PROPN
bjmsr-2280	223	5	,	,	PUNCT
bjmsr-2280	223	6	abdullah	abdullah	PROPN
bjmsr-2280	223	7	,	,	PUNCT
bjmsr-2280	223	8	r.	r.	PROPN
bjmsr-2280	223	9	,	,	PUNCT
bjmsr-2280	223	10	&	&	CCONJ
bjmsr-2280	223	11	zaini	zaini	PROPN
bjmsr-2280	223	12	,	,	PUNCT
bjmsr-2280	223	13	m.	m.	NOUN
bjmsr-2280	223	14	z.	z.	PROPN
bjmsr-2280	223	15	(	(	PUNCT
bjmsr-2280	223	16	2019	2019	NUM
bjmsr-2280	223	17	)	)	PUNCT
bjmsr-2280	223	18	.	.	PUNCT
bjmsr-2280	224	1	fintech	fintech	NOUN
bjmsr-2280	224	2	and	and	CCONJ
bjmsr-2280	224	3	its	its	PRON
bjmsr-2280	224	4	potential	potential	ADJ
bjmsr-2280	224	5	impact	impact	NOUN
bjmsr-2280	224	6	on	on	ADP
bjmsr-2280	224	7	islamic	islamic	ADJ
bjmsr-2280	224	8	banking	banking	NOUN
bjmsr-2280	224	9	and	and	CCONJ
bjmsr-2280	224	10	finance	finance	NOUN
bjmsr-2280	224	11	industry	industry	NOUN
bjmsr-2280	224	12	:	:	PUNCT
bjmsr-2280	224	13	a	a	DET
bjmsr-2280	224	14	case	case	NOUN
bjmsr-2280	224	15	study	study	NOUN
bjmsr-2280	224	16	of	of	ADP
bjmsr-2280	224	17	brunei	brunei	PROPN
bjmsr-2280	224	18	darussalam	darussalam	PROPN
bjmsr-2280	224	19	and	and	CCONJ
bjmsr-2280	224	20	malaysia	malaysia	PROPN
bjmsr-2280	224	21	.	.	PUNCT
bjmsr-2280	225	1	international	international	ADJ
bjmsr-2280	225	2	journal	journal	PROPN
bjmsr-2280	225	3	of	of	ADP
bjmsr-2280	225	4	islamic	islamic	ADJ
bjmsr-2280	225	5	economics	economic	NOUN
bjmsr-2280	225	6	and	and	CCONJ
bjmsr-2280	225	7	finance	finance	NOUN
bjmsr-2280	225	8	(	(	PUNCT
bjmsr-2280	225	9	ijief	ijief	NOUN
bjmsr-2280	225	10	)	)	PUNCT
bjmsr-2280	225	11	,	,	PUNCT
bjmsr-2280	225	12	2(1	2(1	NUM
bjmsr-2280	225	13	)	)	PUNCT
bjmsr-2280	225	14	,	,	PUNCT
bjmsr-2280	225	15	73	73	NUM
bjmsr-2280	225	16	-	-	SYM
bjmsr-2280	225	17	108	108	NUM
bjmsr-2280	225	18	.	.	PUNCT
bjmsr-2280	225	19	https://doi.org/10.18196/ijief.2116	https://doi.org/10.18196/ijief.2116	PROPN
bjmsr-2280	225	20	ali	ali	PROPN
bjmsr-2280	225	21	,	,	PUNCT
bjmsr-2280	225	22	s.	s.	PROPN
bjmsr-2280	225	23	,	,	PUNCT
bjmsr-2280	225	24	khalid	khalid	PROPN
bjmsr-2280	225	25	,	,	PUNCT
bjmsr-2280	225	26	n.	n.	PROPN
bjmsr-2280	225	27	,	,	PUNCT
bjmsr-2280	225	28	javed	javed	PROPN
bjmsr-2280	225	29	,	,	PUNCT
bjmsr-2280	225	30	h.	h.	PROPN
bjmsr-2280	225	31	m.	m.	PROPN
bjmsr-2280	225	32	u.	u.	PROPN
bjmsr-2280	225	33	,	,	PUNCT
bjmsr-2280	225	34	&	&	CCONJ
bjmsr-2280	225	35	islam	islam	PROPN
bjmsr-2280	225	36	,	,	PUNCT
bjmsr-2280	225	37	d.	d.	PROPN
bjmsr-2280	225	38	m.	m.	PROPN
bjmsr-2280	225	39	z.	z.	PROPN
bjmsr-2280	225	40	(	(	PUNCT
bjmsr-2280	225	41	2020	2020	NUM
bjmsr-2280	225	42	)	)	PUNCT
bjmsr-2280	225	43	.	.	PUNCT
bjmsr-2280	226	1	consumer	consumer	NOUN
bjmsr-2280	226	2	adoption	adoption	NOUN
bjmsr-2280	226	3	of	of	ADP
bjmsr-2280	226	4	online	online	ADJ
bjmsr-2280	226	5	food	food	NOUN
bjmsr-2280	226	6	delivery	delivery	NOUN
bjmsr-2280	226	7	ordering	ordering	NOUN
bjmsr-2280	226	8	(	(	PUNCT
bjmsr-2280	226	9	ofdo	ofdo	NOUN
bjmsr-2280	226	10	)	)	PUNCT
bjmsr-2280	226	11	services	service	NOUN
bjmsr-2280	226	12	in	in	ADP
bjmsr-2280	226	13	pakistan	pakistan	PROPN
bjmsr-2280	226	14	:	:	PUNCT
bjmsr-2280	226	15	the	the	DET
bjmsr-2280	226	16	impact	impact	NOUN
bjmsr-2280	226	17	of	of	ADP
bjmsr-2280	226	18	the	the	DET
bjmsr-2280	226	19	covid-19	covid-19	PROPN
bjmsr-2280	226	20	pandemic	pandemic	ADJ
bjmsr-2280	226	21	situation	situation	NOUN
bjmsr-2280	226	22	.	.	PUNCT
bjmsr-2280	227	1	journal	journal	NOUN
bjmsr-2280	227	2	of	of	ADP
bjmsr-2280	227	3	open	open	ADJ
bjmsr-2280	227	4	innovation	innovation	NOUN
bjmsr-2280	227	5	:	:	PUNCT
bjmsr-2280	227	6	technology	technology	NOUN
bjmsr-2280	227	7	,	,	PUNCT
bjmsr-2280	227	8	market	market	NOUN
bjmsr-2280	227	9	,	,	PUNCT
bjmsr-2280	227	10	and	and	CCONJ
bjmsr-2280	227	11	complexity	complexity	NOUN
bjmsr-2280	227	12	,	,	PUNCT
bjmsr-2280	227	13	7(1	7(1	NUM
bjmsr-2280	227	14	)	)	PUNCT
bjmsr-2280	227	15	,	,	PUNCT
bjmsr-2280	227	16	10	10	NUM
bjmsr-2280	227	17	.	.	PUNCT
bjmsr-2280	228	1	https://doi.org/10.3390/joitmc7010010	https://doi.org/10.3390/joitmc7010010	PROPN
bjmsr-2280	228	2	rahman	rahman	PROPN
bjmsr-2280	228	3	et	et	PROPN
bjmsr-2280	228	4	al	al	PROPN
bjmsr-2280	228	5	.	.	PROPN
bjmsr-2280	228	6	,	,	PUNCT
bjmsr-2280	228	7	bangladesh	bangladesh	PROPN
bjmsr-2280	228	8	journal	journal	NOUN
bjmsr-2280	228	9	of	of	ADP
bjmsr-2280	228	10	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	228	11	scientific	scientific	ADJ
bjmsr-2280	228	12	research	research	NOUN
bjmsr-2280	228	13	10(1	10(1	NUM
bjmsr-2280	228	14	)	)	PUNCT
bjmsr-2280	228	15	(	(	PUNCT
bjmsr-2280	228	16	2025	2025	NUM
bjmsr-2280	228	17	)	)	PUNCT
bjmsr-2280	228	18	,	,	PUNCT
bjmsr-2280	228	19	1	1	NUM
bjmsr-2280	228	20	-	-	SYM
bjmsr-2280	228	21	10	10	NUM
bjmsr-2280	228	22	9	9	NUM
bjmsr-2280	228	23	antara	antara	NOUN
bjmsr-2280	228	24	,	,	PUNCT
bjmsr-2280	228	25	p.	p.	NOUN
bjmsr-2280	228	26	m.	m.	NOUN
bjmsr-2280	228	27	,	,	PUNCT
bjmsr-2280	228	28	musa	musa	PROPN
bjmsr-2280	228	29	,	,	PUNCT
bjmsr-2280	228	30	r.	r.	PROPN
bjmsr-2280	228	31	,	,	PUNCT
bjmsr-2280	228	32	&	&	CCONJ
bjmsr-2280	228	33	hassan	hassan	PROPN
bjmsr-2280	228	34	,	,	PUNCT
bjmsr-2280	228	35	f.	f.	PROPN
bjmsr-2280	228	36	(	(	PUNCT
bjmsr-2280	228	37	2016	2016	NUM
bjmsr-2280	228	38	)	)	PUNCT
bjmsr-2280	228	39	.	.	PUNCT
bjmsr-2280	229	1	bridging	bridge	VERB
bjmsr-2280	229	2	islamic	islamic	ADJ
bjmsr-2280	229	3	financial	financial	ADJ
bjmsr-2280	229	4	literacy	literacy	NOUN
bjmsr-2280	229	5	and	and	CCONJ
bjmsr-2280	229	6	halal	halal	NOUN
bjmsr-2280	229	7	literacy	literacy	NOUN
bjmsr-2280	229	8	:	:	PUNCT
bjmsr-2280	229	9	the	the	DET
bjmsr-2280	229	10	way	way	NOUN
bjmsr-2280	229	11	forward	forward	ADV
bjmsr-2280	229	12	in	in	ADP
bjmsr-2280	229	13	halal	halal	PROPN
bjmsr-2280	229	14	ecosystem	ecosystem	NOUN
bjmsr-2280	229	15	.	.	PUNCT
bjmsr-2280	230	1	procedia	procedia	NOUN
bjmsr-2280	230	2	economics	economic	NOUN
bjmsr-2280	230	3	and	and	CCONJ
bjmsr-2280	230	4	finance	finance	NOUN
bjmsr-2280	230	5	,	,	PUNCT
bjmsr-2280	230	6	37	37	NUM
bjmsr-2280	230	7	,	,	PUNCT
bjmsr-2280	230	8	196	196	NUM
bjmsr-2280	230	9	-	-	SYM
bjmsr-2280	230	10	202	202	NUM
bjmsr-2280	230	11	.	.	PUNCT
bjmsr-2280	231	1	https://doi.org/10.1016/s22125671(16)30113-7	https://doi.org/10.1016/s22125671(16)30113-7	PROPN
bjmsr-2280	231	2	bauer	bauer	PROPN
bjmsr-2280	231	3	,	,	PUNCT
bjmsr-2280	231	4	r.	r.	PROPN
bjmsr-2280	231	5	a.	a.	PROPN
bjmsr-2280	231	6	(	(	PUNCT
bjmsr-2280	231	7	1967	1967	NUM
bjmsr-2280	231	8	)	)	PUNCT
bjmsr-2280	231	9	.	.	PUNCT
bjmsr-2280	232	1	consumer	consumer	NOUN
bjmsr-2280	232	2	behavior	behavior	NOUN
bjmsr-2280	232	3	as	as	ADP
bjmsr-2280	232	4	risk	risk	NOUN
bjmsr-2280	232	5	taking	taking	NOUN
bjmsr-2280	232	6	.	.	PUNCT
bjmsr-2280	233	1	marketing	marketing	NOUN
bjmsr-2280	233	2	:	:	PUNCT
bjmsr-2280	233	3	critical	critical	ADJ
bjmsr-2280	233	4	perspectives	perspective	NOUN
bjmsr-2280	233	5	on	on	ADP
bjmsr-2280	233	6	business	business	NOUN
bjmsr-2280	233	7	and	and	CCONJ
bjmsr-2280	233	8	management	management	NOUN
bjmsr-2280	233	9	,	,	PUNCT
bjmsr-2280	233	10	593	593	NUM
bjmsr-2280	233	11	,	,	PUNCT
bjmsr-2280	233	12	13–21	13–21	NUM
bjmsr-2280	233	13	.	.	PUNCT
bjmsr-2280	233	14	becker	becker	PROPN
bjmsr-2280	233	15	,	,	PUNCT
bjmsr-2280	233	16	a.	a.	NOUN
bjmsr-2280	233	17	(	(	PUNCT
bjmsr-2280	233	18	2018	2018	NUM
bjmsr-2280	233	19	)	)	PUNCT
bjmsr-2280	233	20	.	.	PUNCT
bjmsr-2280	234	1	an	an	DET
bjmsr-2280	234	2	experimental	experimental	ADJ
bjmsr-2280	234	3	study	study	NOUN
bjmsr-2280	234	4	of	of	ADP
bjmsr-2280	234	5	voluntary	voluntary	ADJ
bjmsr-2280	234	6	nonprofit	nonprofit	ADJ
bjmsr-2280	234	7	accountability	accountability	NOUN
bjmsr-2280	234	8	and	and	CCONJ
bjmsr-2280	234	9	effects	effect	NOUN
bjmsr-2280	234	10	on	on	ADP
bjmsr-2280	234	11	public	public	ADJ
bjmsr-2280	234	12	trust	trust	NOUN
bjmsr-2280	234	13	,	,	PUNCT
bjmsr-2280	234	14	reputation	reputation	NOUN
bjmsr-2280	234	15	,	,	PUNCT
bjmsr-2280	234	16	perceived	perceive	VERB
bjmsr-2280	234	17	quality	quality	NOUN
bjmsr-2280	234	18	,	,	PUNCT
bjmsr-2280	234	19	and	and	CCONJ
bjmsr-2280	234	20	donation	donation	NOUN
bjmsr-2280	234	21	behavior	behavior	NOUN
bjmsr-2280	234	22	.	.	PUNCT
bjmsr-2280	235	1	nonprofit	nonprofit	ADJ
bjmsr-2280	235	2	and	and	CCONJ
bjmsr-2280	235	3	voluntary	voluntary	ADJ
bjmsr-2280	235	4	sector	sector	NOUN
bjmsr-2280	235	5	quarterly	quarterly	ADV
bjmsr-2280	235	6	,	,	PUNCT
bjmsr-2280	235	7	47(3	47(3	NOUN
bjmsr-2280	235	8	)	)	PUNCT
bjmsr-2280	235	9	,	,	PUNCT
bjmsr-2280	235	10	562–582	562–582	NUM
bjmsr-2280	235	11	.	.	PUNCT
bjmsr-2280	236	1	https://doi.org/10.1177/0899764018756200	https://doi.org/10.1177/0899764018756200	ADJ
bjmsr-2280	237	1	beldad	beldad	PROPN
bjmsr-2280	237	2	,	,	PUNCT
bjmsr-2280	237	3	a.	a.	NOUN
bjmsr-2280	237	4	,	,	PUNCT
bjmsr-2280	237	5	snip	snip	PROPN
bjmsr-2280	237	6	,	,	PUNCT
bjmsr-2280	237	7	b.	b.	PROPN
bjmsr-2280	237	8	,	,	PUNCT
bjmsr-2280	237	9	&	&	CCONJ
bjmsr-2280	237	10	van	van	PROPN
bjmsr-2280	237	11	hoof	hoof	PROPN
bjmsr-2280	237	12	,	,	PUNCT
bjmsr-2280	237	13	j.	j.	PROPN
bjmsr-2280	237	14	(	(	PUNCT
bjmsr-2280	237	15	2014	2014	NUM
bjmsr-2280	237	16	)	)	PUNCT
bjmsr-2280	237	17	.	.	PUNCT
bjmsr-2280	238	1	generosity	generosity	NOUN
bjmsr-2280	238	2	the	the	DET
bjmsr-2280	238	3	second	second	ADJ
bjmsr-2280	238	4	time	time	NOUN
bjmsr-2280	238	5	around	around	ADV
bjmsr-2280	238	6	:	:	PUNCT
bjmsr-2280	238	7	determinants	determinant	NOUN
bjmsr-2280	238	8	of	of	ADP
bjmsr-2280	238	9	individuals	individual	NOUN
bjmsr-2280	238	10	’	'	PUNCT
bjmsr-2280	238	11	repeat	repeat	NOUN
bjmsr-2280	238	12	donation	donation	NOUN
bjmsr-2280	238	13	intention	intention	NOUN
bjmsr-2280	238	14	.	.	PUNCT
bjmsr-2280	239	1	nonprofit	nonprofit	ADJ
bjmsr-2280	239	2	and	and	CCONJ
bjmsr-2280	239	3	voluntary	voluntary	ADJ
bjmsr-2280	239	4	sector	sector	NOUN
bjmsr-2280	239	5	quarterly	quarterly	ADV
bjmsr-2280	239	6	,	,	PUNCT
bjmsr-2280	239	7	43(1	43(1	NOUN
bjmsr-2280	239	8	)	)	PUNCT
bjmsr-2280	239	9	,	,	PUNCT
bjmsr-2280	239	10	144	144	NUM
bjmsr-2280	239	11	-	-	SYM
bjmsr-2280	239	12	163	163	NUM
bjmsr-2280	239	13	.	.	PUNCT
bjmsr-2280	240	1	https://doi.org/10.1177/0899764012457466	https://doi.org/10.1177/0899764012457466	DET
bjmsr-2280	240	2	bilgin	bilgin	NOUN
bjmsr-2280	240	3	,	,	PUNCT
bjmsr-2280	240	4	y.	y.	PROPN
bjmsr-2280	240	5	,	,	PUNCT
bjmsr-2280	240	6	&	&	CCONJ
bjmsr-2280	240	7	kethüda	kethüda	PROPN
bjmsr-2280	240	8	,	,	PUNCT
bjmsr-2280	240	9	ö.	ö.	PROPN
bjmsr-2280	240	10	(	(	PUNCT
bjmsr-2280	240	11	2022	2022	NUM
bjmsr-2280	240	12	)	)	PUNCT
bjmsr-2280	240	13	.	.	PUNCT
bjmsr-2280	241	1	charity	charity	NOUN
bjmsr-2280	241	2	social	social	ADJ
bjmsr-2280	241	3	media	medium	NOUN
bjmsr-2280	241	4	marketing	marketing	NOUN
bjmsr-2280	241	5	and	and	CCONJ
bjmsr-2280	241	6	its	its	PRON
bjmsr-2280	241	7	influence	influence	NOUN
bjmsr-2280	241	8	on	on	ADP
bjmsr-2280	241	9	charity	charity	NOUN
bjmsr-2280	241	10	brand	brand	NOUN
bjmsr-2280	241	11	image	image	NOUN
bjmsr-2280	241	12	,	,	PUNCT
bjmsr-2280	241	13	brand	brand	NOUN
bjmsr-2280	241	14	trust	trust	NOUN
bjmsr-2280	241	15	,	,	PUNCT
bjmsr-2280	241	16	and	and	CCONJ
bjmsr-2280	241	17	donation	donation	NOUN
bjmsr-2280	241	18	intention	intention	NOUN
bjmsr-2280	241	19	.	.	PUNCT
bjmsr-2280	242	1	voluntas	volunta	NOUN
bjmsr-2280	242	2	:	:	PUNCT
bjmsr-2280	242	3	international	international	ADJ
bjmsr-2280	242	4	journal	journal	NOUN
bjmsr-2280	242	5	of	of	ADP
bjmsr-2280	242	6	voluntary	voluntary	ADJ
bjmsr-2280	242	7	and	and	CCONJ
bjmsr-2280	242	8	nonprofit	nonprofit	ADJ
bjmsr-2280	242	9	organizations	organization	NOUN
bjmsr-2280	242	10	,	,	PUNCT
bjmsr-2280	242	11	33(5	33(5	NUM
bjmsr-2280	242	12	)	)	PUNCT
bjmsr-2280	242	13	,	,	PUNCT
bjmsr-2280	242	14	1091	1091	NUM
bjmsr-2280	242	15	-	-	SYM
bjmsr-2280	242	16	1102	1102	NUM
bjmsr-2280	242	17	.	.	PUNCT
bjmsr-2280	243	1	https://doi.org/10.1007/s11266-021-00426-7	https://doi.org/10.1007/s11266-021-00426-7	PROPN
bjmsr-2280	243	2	bilo	bilo	PROPN
bjmsr-2280	243	3	,	,	PUNCT
bjmsr-2280	243	4	c.	c.	PROPN
bjmsr-2280	243	5	,	,	PUNCT
bjmsr-2280	243	6	&	&	CCONJ
bjmsr-2280	243	7	machado	machado	PROPN
bjmsr-2280	243	8	,	,	PUNCT
bjmsr-2280	243	9	a.	a.	PROPN
bjmsr-2280	243	10	c.	c.	PROPN
bjmsr-2280	243	11	(	(	PUNCT
bjmsr-2280	243	12	2020	2020	NUM
bjmsr-2280	243	13	)	)	PUNCT
bjmsr-2280	243	14	.	.	PUNCT
bjmsr-2280	244	1	the	the	DET
bjmsr-2280	244	2	role	role	NOUN
bjmsr-2280	244	3	of	of	ADP
bjmsr-2280	244	4	zakat	zakat	NOUN
bjmsr-2280	244	5	in	in	ADP
bjmsr-2280	244	6	the	the	DET
bjmsr-2280	244	7	provision	provision	NOUN
bjmsr-2280	244	8	of	of	ADP
bjmsr-2280	244	9	social	social	ADJ
bjmsr-2280	244	10	protection	protection	NOUN
bjmsr-2280	244	11	:	:	PUNCT
bjmsr-2280	244	12	a	a	DET
bjmsr-2280	244	13	comparison	comparison	NOUN
bjmsr-2280	244	14	between	between	ADP
bjmsr-2280	244	15	jordan	jordan	PROPN
bjmsr-2280	244	16	and	and	CCONJ
bjmsr-2280	244	17	sudan	sudan	PROPN
bjmsr-2280	244	18	.	.	PUNCT
bjmsr-2280	245	1	international	international	ADJ
bjmsr-2280	245	2	journal	journal	PROPN
bjmsr-2280	245	3	of	of	ADP
bjmsr-2280	245	4	sociology	sociology	NOUN
bjmsr-2280	245	5	and	and	CCONJ
bjmsr-2280	245	6	social	social	ADJ
bjmsr-2280	245	7	policy	policy	NOUN
bjmsr-2280	245	8	,	,	PUNCT
bjmsr-2280	245	9	40(3/4	40(3/4	NUM
bjmsr-2280	245	10	)	)	PUNCT
bjmsr-2280	245	11	,	,	PUNCT
bjmsr-2280	245	12	236	236	NUM
bjmsr-2280	245	13	-	-	SYM
bjmsr-2280	245	14	248	248	NUM
bjmsr-2280	245	15	.	.	PUNCT
bjmsr-2280	246	1	https://doi.org/10.1108/ijssp-11-2018-0218	https://doi.org/10.1108/ijssp-11-2018-0218	NOUN
bjmsr-2280	246	2	bin	bin	NOUN
bjmsr-2280	246	3	-	-	NOUN
bjmsr-2280	246	4	nashwan	nashwan	PROPN
bjmsr-2280	246	5	,	,	PUNCT
bjmsr-2280	246	6	s.	s.	PROPN
bjmsr-2280	246	7	a.	a.	PROPN
bjmsr-2280	246	8	(	(	PUNCT
bjmsr-2280	246	9	2022	2022	NUM
bjmsr-2280	246	10	)	)	PUNCT
bjmsr-2280	246	11	.	.	PUNCT
bjmsr-2280	247	1	toward	toward	ADP
bjmsr-2280	247	2	diffusion	diffusion	NOUN
bjmsr-2280	247	3	of	of	ADP
bjmsr-2280	247	4	e	e	NOUN
bjmsr-2280	247	5	-	-	NOUN
bjmsr-2280	247	6	zakat	zakat	ADJ
bjmsr-2280	247	7	initiatives	initiative	NOUN
bjmsr-2280	247	8	amid	amid	ADP
bjmsr-2280	247	9	the	the	DET
bjmsr-2280	247	10	covid-19	covid-19	PROPN
bjmsr-2280	247	11	crisis	crisis	NOUN
bjmsr-2280	247	12	and	and	CCONJ
bjmsr-2280	247	13	beyond	beyond	ADP
bjmsr-2280	247	14	.	.	PUNCT
bjmsr-2280	248	1	foresight	foresight	NOUN
bjmsr-2280	248	2	,	,	PUNCT
bjmsr-2280	248	3	24(2	24(2	NUM
bjmsr-2280	248	4	)	)	PUNCT
bjmsr-2280	248	5	,	,	PUNCT
bjmsr-2280	248	6	141	141	NUM
bjmsr-2280	248	7	-	-	SYM
bjmsr-2280	248	8	158	158	NUM
bjmsr-2280	248	9	.	.	PUNCT
bjmsr-2280	249	1	https://doi.org/10.1108/fs-08-2020-0082	https://doi.org/10.1108/fs-08-2020-0082	PROPN
bjmsr-2280	249	2	cahyani	cahyani	PROPN
bjmsr-2280	249	3	,	,	PUNCT
bjmsr-2280	249	4	u.	u.	PROPN
bjmsr-2280	249	5	e.	e.	PROPN
bjmsr-2280	249	6	,	,	PUNCT
bjmsr-2280	249	7	sari	sari	PROPN
bjmsr-2280	249	8	,	,	PUNCT
bjmsr-2280	249	9	d.	d.	PROPN
bjmsr-2280	249	10	p.	p.	PROPN
bjmsr-2280	249	11	,	,	PUNCT
bjmsr-2280	249	12	&	&	CCONJ
bjmsr-2280	249	13	afandi	afandi	PROPN
bjmsr-2280	249	14	,	,	PUNCT
bjmsr-2280	249	15	a.	a.	NOUN
bjmsr-2280	249	16	(	(	PUNCT
bjmsr-2280	249	17	2022	2022	NUM
bjmsr-2280	249	18	)	)	PUNCT
bjmsr-2280	249	19	.	.	PUNCT
bjmsr-2280	250	1	determinant	determinant	ADJ
bjmsr-2280	250	2	of	of	ADP
bjmsr-2280	250	3	behavioral	behavioral	ADJ
bjmsr-2280	250	4	intention	intention	NOUN
bjmsr-2280	250	5	to	to	PART
bjmsr-2280	250	6	use	use	VERB
bjmsr-2280	250	7	digital	digital	ADJ
bjmsr-2280	250	8	zakat	zakat	NOUN
bjmsr-2280	250	9	payment	payment	NOUN
bjmsr-2280	250	10	:	:	PUNCT
bjmsr-2280	250	11	the	the	DET
bjmsr-2280	250	12	moderating	moderate	VERB
bjmsr-2280	250	13	role	role	NOUN
bjmsr-2280	250	14	of	of	ADP
bjmsr-2280	250	15	knowledge	knowledge	NOUN
bjmsr-2280	250	16	of	of	ADP
bjmsr-2280	250	17	zakat	zakat	NOUN
bjmsr-2280	250	18	.	.	PUNCT
bjmsr-2280	251	1	ziswaf	ziswaf	PROPN
bjmsr-2280	251	2	:	:	PUNCT
bjmsr-2280	251	3	jurnal	jurnal	ADJ
bjmsr-2280	251	4	zakat	zakat	PROPN
bjmsr-2280	251	5	dan	dan	PROPN
bjmsr-2280	251	6	wakaf	wakaf	PROPN
bjmsr-2280	251	7	,	,	PUNCT
bjmsr-2280	251	8	9(1	9(1	NUM
bjmsr-2280	251	9	)	)	PUNCT
bjmsr-2280	251	10	,	,	PUNCT
bjmsr-2280	251	11	1	1	NUM
bjmsr-2280	251	12	-	-	SYM
bjmsr-2280	251	13	16	16	NUM
bjmsr-2280	251	14	.	.	PUNCT
bjmsr-2280	252	1	http://dx.doi.org/10.21043/ziswaf.v9i1.13330	http://dx.doi.org/10.21043/ziswaf.v9i1.13330	PROPN
bjmsr-2280	252	2	cohen	cohen	PROPN
bjmsr-2280	252	3	,	,	PUNCT
bjmsr-2280	252	4	j.	j.	PROPN
bjmsr-2280	252	5	(	(	PUNCT
bjmsr-2280	252	6	1988	1988	NUM
bjmsr-2280	252	7	)	)	PUNCT
bjmsr-2280	252	8	.	.	PUNCT
bjmsr-2280	253	1	statistical	statistical	ADJ
bjmsr-2280	253	2	power	power	NOUN
bjmsr-2280	253	3	analysis	analysis	NOUN
bjmsr-2280	253	4	for	for	ADP
bjmsr-2280	253	5	the	the	DET
bjmsr-2280	253	6	behavioral	behavioral	ADJ
bjmsr-2280	253	7	sciences	science	NOUN
bjmsr-2280	253	8	(	(	PUNCT
bjmsr-2280	253	9	2nd	2nd	ADJ
bjmsr-2280	253	10	ed	ed	NOUN
bjmsr-2280	253	11	.	.	PUNCT
bjmsr-2280	253	12	)	)	PUNCT
bjmsr-2280	253	13	.	.	PUNCT
bjmsr-2280	254	1	hillsdale	hillsdale	PROPN
bjmsr-2280	254	2	,	,	PUNCT
bjmsr-2280	254	3	nj	nj	PROPN
bjmsr-2280	254	4	:	:	PUNCT
bjmsr-2280	254	5	lawrence	lawrence	PROPN
bjmsr-2280	254	6	erlbaum	erlbaum	PROPN
bjmsr-2280	254	7	associates	associates	PROPN
bjmsr-2280	254	8	,	,	PUNCT
bjmsr-2280	254	9	publishers	publisher	NOUN
bjmsr-2280	254	10	.	.	PUNCT
bjmsr-2280	255	1	chen	chen	PROPN
bjmsr-2280	255	2	,	,	PUNCT
bjmsr-2280	255	3	y.	y.	PROPN
bjmsr-2280	255	4	,	,	PUNCT
bjmsr-2280	255	5	dai	dai	PROPN
bjmsr-2280	255	6	,	,	PUNCT
bjmsr-2280	255	7	r.	r.	PROPN
bjmsr-2280	255	8	,	,	PUNCT
bjmsr-2280	255	9	yao	yao	PROPN
bjmsr-2280	255	10	,	,	PUNCT
bjmsr-2280	255	11	j.	j.	PROPN
bjmsr-2280	255	12	,	,	PUNCT
bjmsr-2280	255	13	&	&	CCONJ
bjmsr-2280	255	14	li	li	PROPN
bjmsr-2280	255	15	,	,	PUNCT
bjmsr-2280	255	16	y.	y.	PROPN
bjmsr-2280	255	17	(	(	PUNCT
bjmsr-2280	255	18	2019	2019	NUM
bjmsr-2280	255	19	)	)	PUNCT
bjmsr-2280	255	20	.	.	PUNCT
bjmsr-2280	256	1	donate	donate	VERB
bjmsr-2280	256	2	time	time	NOUN
bjmsr-2280	256	3	or	or	CCONJ
bjmsr-2280	256	4	money	money	NOUN
bjmsr-2280	256	5	?	?	PUNCT
bjmsr-2280	257	1	the	the	DET
bjmsr-2280	257	2	determinants	determinant	NOUN
bjmsr-2280	257	3	of	of	ADP
bjmsr-2280	257	4	donation	donation	NOUN
bjmsr-2280	257	5	intention	intention	NOUN
bjmsr-2280	257	6	in	in	ADP
bjmsr-2280	257	7	online	online	ADJ
bjmsr-2280	257	8	crowdfunding	crowdfunding	NOUN
bjmsr-2280	257	9	.	.	PUNCT
bjmsr-2280	258	1	sustainability	sustainability	NOUN
bjmsr-2280	258	2	,	,	PUNCT
bjmsr-2280	258	3	11(16	11(16	NUM
bjmsr-2280	258	4	)	)	PUNCT
bjmsr-2280	258	5	,	,	PUNCT
bjmsr-2280	258	6	4269	4269	NUM
bjmsr-2280	258	7	.	.	PUNCT
bjmsr-2280	259	1	https://doi.org/10.3390/su11164269	https://doi.org/10.3390/su11164269	X
bjmsr-2280	259	2	chiu	chiu	PROPN
bjmsr-2280	259	3	,	,	PUNCT
bjmsr-2280	259	4	w.	w.	PROPN
bjmsr-2280	259	5	,	,	PUNCT
bjmsr-2280	259	6	&	&	CCONJ
bjmsr-2280	259	7	cho	cho	PROPN
bjmsr-2280	259	8	,	,	PUNCT
bjmsr-2280	259	9	h.	h.	PROPN
bjmsr-2280	259	10	(	(	PUNCT
bjmsr-2280	259	11	2021	2021	NUM
bjmsr-2280	259	12	)	)	PUNCT
bjmsr-2280	259	13	.	.	PUNCT
bjmsr-2280	260	1	the	the	DET
bjmsr-2280	260	2	role	role	NOUN
bjmsr-2280	260	3	of	of	ADP
bjmsr-2280	260	4	technology	technology	NOUN
bjmsr-2280	260	5	readiness	readiness	NOUN
bjmsr-2280	260	6	in	in	ADP
bjmsr-2280	260	7	individuals	individual	NOUN
bjmsr-2280	260	8	'	'	PART
bjmsr-2280	260	9	intention	intention	NOUN
bjmsr-2280	260	10	to	to	PART
bjmsr-2280	260	11	use	use	VERB
bjmsr-2280	260	12	health	health	NOUN
bjmsr-2280	260	13	and	and	CCONJ
bjmsr-2280	260	14	fitness	fitness	NOUN
bjmsr-2280	260	15	applications	application	NOUN
bjmsr-2280	260	16	:	:	PUNCT
bjmsr-2280	260	17	a	a	DET
bjmsr-2280	260	18	comparison	comparison	NOUN
bjmsr-2280	260	19	between	between	ADP
bjmsr-2280	260	20	users	user	NOUN
bjmsr-2280	260	21	and	and	CCONJ
bjmsr-2280	260	22	non	non	NOUN
bjmsr-2280	260	23	-	-	NOUN
bjmsr-2280	260	24	users	user	NOUN
bjmsr-2280	260	25	.	.	PUNCT
bjmsr-2280	261	1	asia	asia	PROPN
bjmsr-2280	261	2	pacific	pacific	PROPN
bjmsr-2280	261	3	journal	journal	PROPN
bjmsr-2280	261	4	of	of	ADP
bjmsr-2280	261	5	marketing	marketing	NOUN
bjmsr-2280	261	6	and	and	CCONJ
bjmsr-2280	261	7	logistics	logistic	NOUN
bjmsr-2280	261	8	,	,	PUNCT
bjmsr-2280	261	9	33(3	33(3	NOUN
bjmsr-2280	261	10	)	)	PUNCT
bjmsr-2280	261	11	,	,	PUNCT
bjmsr-2280	261	12	807	807	NUM
bjmsr-2280	261	13	-	-	SYM
bjmsr-2280	261	14	825	825	NUM
bjmsr-2280	261	15	.	.	PUNCT
bjmsr-2280	262	1	https://doi.org/10.1108/apjml-09-2019-0534	https://doi.org/10.1108/apjml-09-2019-0534	PROPN
bjmsr-2280	262	2	chua	chua	PROPN
bjmsr-2280	262	3	,	,	PUNCT
bjmsr-2280	262	4	s.	s.	PROPN
bjmsr-2280	262	5	l.	l.	PROPN
bjmsr-2280	262	6	,	,	PUNCT
bjmsr-2280	262	7	chen	chen	PROPN
bjmsr-2280	262	8	,	,	PUNCT
bjmsr-2280	262	9	d.	d.	PROPN
bjmsr-2280	262	10	t.	t.	PROPN
bjmsr-2280	262	11	,	,	PUNCT
bjmsr-2280	262	12	&	&	CCONJ
bjmsr-2280	262	13	wong	wong	PROPN
bjmsr-2280	262	14	,	,	PUNCT
bjmsr-2280	262	15	a.	a.	PROPN
bjmsr-2280	262	16	f.	f.	PROPN
bjmsr-2280	262	17	(	(	PUNCT
bjmsr-2280	262	18	1999	1999	NUM
bjmsr-2280	262	19	)	)	PUNCT
bjmsr-2280	262	20	.	.	PUNCT
bjmsr-2280	263	1	computer	computer	NOUN
bjmsr-2280	263	2	anxiety	anxiety	NOUN
bjmsr-2280	263	3	and	and	CCONJ
bjmsr-2280	263	4	its	its	PRON
bjmsr-2280	263	5	correlates	correlate	NOUN
bjmsr-2280	263	6	:	:	PUNCT
bjmsr-2280	263	7	a	a	DET
bjmsr-2280	263	8	meta	meta	ADJ
bjmsr-2280	263	9	-	-	PUNCT
bjmsr-2280	263	10	analysis	analysis	NOUN
bjmsr-2280	263	11	.	.	PUNCT
bjmsr-2280	264	1	computers	computer	NOUN
bjmsr-2280	264	2	in	in	ADP
bjmsr-2280	264	3	human	human	ADJ
bjmsr-2280	264	4	behavior	behavior	NOUN
bjmsr-2280	264	5	,	,	PUNCT
bjmsr-2280	264	6	15(5	15(5	NUM
bjmsr-2280	264	7	)	)	PUNCT
bjmsr-2280	264	8	,	,	PUNCT
bjmsr-2280	264	9	609–623	609–623	NUM
bjmsr-2280	264	10	.	.	PUNCT
bjmsr-2280	265	1	https://doi.org/10.1016/s0747-5632(99)00039-4	https://doi.org/10.1016/s0747-5632(99)00039-4	PROPN
bjmsr-2280	265	2	eagly	eagly	ADV
bjmsr-2280	265	3	,	,	PUNCT
bjmsr-2280	265	4	a.	a.	PROPN
bjmsr-2280	265	5	h.	h.	PROPN
bjmsr-2280	265	6	,	,	PUNCT
bjmsr-2280	265	7	&	&	CCONJ
bjmsr-2280	265	8	chaiken	chaiken	PROPN
bjmsr-2280	265	9	,	,	PUNCT
bjmsr-2280	265	10	s.	s.	PROPN
bjmsr-2280	265	11	(	(	PUNCT
bjmsr-2280	265	12	2007	2007	NUM
bjmsr-2280	265	13	)	)	PUNCT
bjmsr-2280	265	14	.	.	PUNCT
bjmsr-2280	266	1	the	the	DET
bjmsr-2280	266	2	advantages	advantage	NOUN
bjmsr-2280	266	3	of	of	ADP
bjmsr-2280	266	4	an	an	DET
bjmsr-2280	266	5	inclusive	inclusive	ADJ
bjmsr-2280	266	6	definition	definition	NOUN
bjmsr-2280	266	7	of	of	ADP
bjmsr-2280	266	8	attitude	attitude	NOUN
bjmsr-2280	266	9	.	.	PUNCT
bjmsr-2280	267	1	social	social	ADJ
bjmsr-2280	267	2	cognition	cognition	NOUN
bjmsr-2280	267	3	,	,	PUNCT
bjmsr-2280	267	4	25(5	25(5	NUM
bjmsr-2280	267	5	)	)	PUNCT
bjmsr-2280	267	6	,	,	PUNCT
bjmsr-2280	267	7	582602	582602	NUM
bjmsr-2280	267	8	.	.	PUNCT
bjmsr-2280	268	1	https://doi.org/10.1521/soco.2007.25.5.582	https://doi.org/10.1521/soco.2007.25.5.582	ADJ
bjmsr-2280	268	2	faqih	faqih	NOUN
bjmsr-2280	268	3	,	,	PUNCT
bjmsr-2280	268	4	k.	k.	PROPN
bjmsr-2280	268	5	m.	m.	PROPN
bjmsr-2280	268	6	(	(	PUNCT
bjmsr-2280	268	7	2022	2022	NUM
bjmsr-2280	268	8	)	)	PUNCT
bjmsr-2280	268	9	.	.	PUNCT
bjmsr-2280	269	1	internet	internet	NOUN
bjmsr-2280	269	2	shopping	shopping	NOUN
bjmsr-2280	269	3	in	in	ADP
bjmsr-2280	269	4	the	the	DET
bjmsr-2280	269	5	covid-19	covid-19	PROPN
bjmsr-2280	269	6	era	era	NOUN
bjmsr-2280	269	7	:	:	PUNCT
bjmsr-2280	269	8	investigating	investigate	VERB
bjmsr-2280	269	9	the	the	DET
bjmsr-2280	269	10	role	role	NOUN
bjmsr-2280	269	11	of	of	ADP
bjmsr-2280	269	12	perceived	perceive	VERB
bjmsr-2280	269	13	risk	risk	NOUN
bjmsr-2280	269	14	,	,	PUNCT
bjmsr-2280	269	15	anxiety	anxiety	NOUN
bjmsr-2280	269	16	,	,	PUNCT
bjmsr-2280	269	17	gender	gender	NOUN
bjmsr-2280	269	18	,	,	PUNCT
bjmsr-2280	269	19	culture	culture	NOUN
bjmsr-2280	269	20	,	,	PUNCT
bjmsr-2280	269	21	and	and	CCONJ
bjmsr-2280	269	22	trust	trust	NOUN
bjmsr-2280	269	23	in	in	ADP
bjmsr-2280	269	24	the	the	DET
bjmsr-2280	269	25	consumers	consumer	NOUN
bjmsr-2280	269	26	’	'	PUNCT
bjmsr-2280	269	27	purchasing	purchase	VERB
bjmsr-2280	269	28	behavior	behavior	NOUN
bjmsr-2280	269	29	from	from	ADP
bjmsr-2280	269	30	a	a	DET
bjmsr-2280	269	31	developing	develop	VERB
bjmsr-2280	269	32	country	country	NOUN
bjmsr-2280	269	33	context	context	NOUN
bjmsr-2280	269	34	.	.	PUNCT
bjmsr-2280	270	1	technology	technology	NOUN
bjmsr-2280	270	2	in	in	ADP
bjmsr-2280	270	3	society	society	NOUN
bjmsr-2280	270	4	,	,	PUNCT
bjmsr-2280	270	5	70	70	NUM
bjmsr-2280	270	6	,	,	PUNCT
bjmsr-2280	270	7	101992	101992	NUM
bjmsr-2280	270	8	.	.	PUNCT
bjmsr-2280	271	1	https://doi.org/10.1016/j.techsoc.2022.101992	https://doi.org/10.1016/j.techsoc.2022.101992	PROPN
bjmsr-2280	271	2	farhatunnada	farhatunnada	PROPN
bjmsr-2280	271	3	,	,	PUNCT
bjmsr-2280	271	4	i.	i.	PROPN
bjmsr-2280	271	5	,	,	PUNCT
bjmsr-2280	271	6	&	&	CCONJ
bjmsr-2280	271	7	wibowo	wibowo	PROPN
bjmsr-2280	271	8	,	,	PUNCT
bjmsr-2280	271	9	m.	m.	NOUN
bjmsr-2280	271	10	g.	g.	PROPN
bjmsr-2280	271	11	(	(	PUNCT
bjmsr-2280	271	12	2022	2022	NUM
bjmsr-2280	271	13	)	)	PUNCT
bjmsr-2280	271	14	.	.	PUNCT
bjmsr-2280	272	1	determinants	determinant	NOUN
bjmsr-2280	272	2	of	of	ADP
bjmsr-2280	272	3	muslim	muslim	ADJ
bjmsr-2280	272	4	intention	intention	NOUN
bjmsr-2280	272	5	in	in	ADP
bjmsr-2280	272	6	yogyakarta	yogyakarta	PROPN
bjmsr-2280	272	7	to	to	PART
bjmsr-2280	272	8	pay	pay	VERB
bjmsr-2280	272	9	zis	zi	NOUN
bjmsr-2280	272	10	online	online	ADV
bjmsr-2280	272	11	during	during	ADP
bjmsr-2280	272	12	the	the	DET
bjmsr-2280	272	13	covid-19	covid-19	PROPN
bjmsr-2280	272	14	pandemic	pandemic	NOUN
bjmsr-2280	272	15	.	.	PUNCT
bjmsr-2280	273	1	azka	azka	PROPN
bjmsr-2280	273	2	international	international	PROPN
bjmsr-2280	273	3	journal	journal	PROPN
bjmsr-2280	273	4	of	of	ADP
bjmsr-2280	273	5	zakat	zakat	PROPN
bjmsr-2280	273	6	&	&	CCONJ
bjmsr-2280	273	7	social	social	ADJ
bjmsr-2280	273	8	finance	finance	NOUN
bjmsr-2280	273	9	,	,	PUNCT
bjmsr-2280	273	10	182	182	NUM
bjmsr-2280	273	11	-	-	SYM
bjmsr-2280	273	12	207	207	NUM
bjmsr-2280	273	13	.	.	PUNCT
bjmsr-2280	274	1	https://doi.org/10.22219/azka.v4i2.19483	https://doi.org/10.22219/azka.v4i2.19483	PROPN
bjmsr-2280	274	2	fazio	fazio	PROPN
bjmsr-2280	274	3	,	,	PUNCT
bjmsr-2280	274	4	r.	r.	PROPN
bjmsr-2280	274	5	h.	h.	PROPN
bjmsr-2280	274	6	,	,	PUNCT
bjmsr-2280	274	7	&	&	CCONJ
bjmsr-2280	274	8	zanna	zanna	PROPN
bjmsr-2280	274	9	,	,	PUNCT
bjmsr-2280	274	10	m.	m.	NOUN
bjmsr-2280	274	11	p.	p.	PROPN
bjmsr-2280	274	12	(	(	PUNCT
bjmsr-2280	274	13	1978	1978	NUM
bjmsr-2280	274	14	)	)	PUNCT
bjmsr-2280	274	15	.	.	PUNCT
bjmsr-2280	275	1	on	on	ADP
bjmsr-2280	275	2	the	the	DET
bjmsr-2280	275	3	predictive	predictive	ADJ
bjmsr-2280	275	4	validity	validity	NOUN
bjmsr-2280	275	5	of	of	ADP
bjmsr-2280	275	6	attitudes	attitude	NOUN
bjmsr-2280	275	7	:	:	PUNCT
bjmsr-2280	275	8	the	the	DET
bjmsr-2280	275	9	roles	role	NOUN
bjmsr-2280	275	10	of	of	ADP
bjmsr-2280	275	11	direct	direct	ADJ
bjmsr-2280	275	12	experience	experience	NOUN
bjmsr-2280	275	13	and	and	CCONJ
bjmsr-2280	275	14	confidence	confidence	NOUN
bjmsr-2280	275	15	1	1	NUM
bjmsr-2280	275	16	.	.	PUNCT
bjmsr-2280	275	17	journal	journal	NOUN
bjmsr-2280	275	18	of	of	ADP
bjmsr-2280	275	19	personality	personality	NOUN
bjmsr-2280	275	20	,	,	PUNCT
bjmsr-2280	275	21	46(2	46(2	NOUN
bjmsr-2280	275	22	)	)	PUNCT
bjmsr-2280	275	23	,	,	PUNCT
bjmsr-2280	275	24	228	228	NUM
bjmsr-2280	275	25	-	-	SYM
bjmsr-2280	275	26	243	243	NUM
bjmsr-2280	275	27	.	.	PUNCT
bjmsr-2280	276	1	https://doi.org/10.1111/j.1467-6494.1978.tb00177.x	https://doi.org/10.1111/j.1467-6494.1978.tb00177.x	PROPN
bjmsr-2280	276	2	ferdana	ferdana	PROPN
bjmsr-2280	276	3	,	,	PUNCT
bjmsr-2280	276	4	a.	a.	PROPN
bjmsr-2280	276	5	d.	d.	PROPN
bjmsr-2280	276	6	,	,	PUNCT
bjmsr-2280	276	7	ridlwan	ridlwan	PROPN
bjmsr-2280	276	8	,	,	PUNCT
bjmsr-2280	276	9	a.	a.	NOUN
bjmsr-2280	276	10	a.	a.	PROPN
bjmsr-2280	276	11	,	,	PUNCT
bjmsr-2280	276	12	canggih	canggih	NOUN
bjmsr-2280	276	13	,	,	PUNCT
bjmsr-2280	276	14	c.	c.	PROPN
bjmsr-2280	276	15	,	,	PUNCT
bjmsr-2280	276	16	&	&	CCONJ
bjmsr-2280	276	17	fikriyah	fikriyah	PROPN
bjmsr-2280	276	18	,	,	PUNCT
bjmsr-2280	276	19	k.	k.	PROPN
bjmsr-2280	276	20	(	(	PUNCT
bjmsr-2280	276	21	2022	2022	NUM
bjmsr-2280	276	22	)	)	PUNCT
bjmsr-2280	276	23	.	.	PUNCT
bjmsr-2280	277	1	z	z	NOUN
bjmsr-2280	277	2	generation	generation	NOUN
bjmsr-2280	277	3	's	's	PART
bjmsr-2280	277	4	intention	intention	NOUN
bjmsr-2280	277	5	to	to	PART
bjmsr-2280	277	6	use	use	VERB
bjmsr-2280	277	7	zakat	zakat	NOUN
bjmsr-2280	277	8	digital	digital	ADJ
bjmsr-2280	277	9	payment	payment	NOUN
bjmsr-2280	277	10	:	:	PUNCT
bjmsr-2280	277	11	the	the	DET
bjmsr-2280	277	12	mediating	mediate	VERB
bjmsr-2280	277	13	effect	effect	NOUN
bjmsr-2280	277	14	of	of	ADP
bjmsr-2280	277	15	trust	trust	NOUN
bjmsr-2280	277	16	.	.	PUNCT
bjmsr-2280	278	1	ziswaf	ziswaf	PROPN
bjmsr-2280	278	2	:	:	PUNCT
bjmsr-2280	278	3	jurnal	jurnal	ADJ
bjmsr-2280	278	4	zakat	zakat	PROPN
bjmsr-2280	278	5	dan	dan	PROPN
bjmsr-2280	278	6	wakaf	wakaf	PROPN
bjmsr-2280	278	7	,	,	PUNCT
bjmsr-2280	278	8	9(2	9(2	NUM
bjmsr-2280	278	9	)	)	PUNCT
bjmsr-2280	278	10	,	,	PUNCT
bjmsr-2280	278	11	171	171	NUM
bjmsr-2280	278	12	-	-	SYM
bjmsr-2280	278	13	189	189	NUM
bjmsr-2280	278	14	.	.	PUNCT
bjmsr-2280	278	15	http://dx.doi.org/10.21043/ziswaf.v9i2.18466	http://dx.doi.org/10.21043/ziswaf.v9i2.18466	PART
bjmsr-2280	278	16	hair	hair	PROPN
bjmsr-2280	278	17	jr	jr	PROPN
bjmsr-2280	278	18	,	,	PUNCT
bjmsr-2280	278	19	j.	j.	PROPN
bjmsr-2280	278	20	f.	f.	PROPN
bjmsr-2280	278	21	,	,	PUNCT
bjmsr-2280	278	22	matthews	matthews	PROPN
bjmsr-2280	278	23	,	,	PUNCT
bjmsr-2280	278	24	l.	l.	PROPN
bjmsr-2280	278	25	m.	m.	PROPN
bjmsr-2280	278	26	,	,	PUNCT
bjmsr-2280	278	27	matthews	matthews	PROPN
bjmsr-2280	278	28	,	,	PUNCT
bjmsr-2280	278	29	r.	r.	PROPN
bjmsr-2280	278	30	l.	l.	PROPN
bjmsr-2280	278	31	,	,	PUNCT
bjmsr-2280	278	32	&	&	CCONJ
bjmsr-2280	278	33	sarstedt	sarstedt	PROPN
bjmsr-2280	278	34	,	,	PUNCT
bjmsr-2280	278	35	m.	m.	NOUN
bjmsr-2280	278	36	(	(	PUNCT
bjmsr-2280	278	37	2017	2017	NUM
bjmsr-2280	278	38	)	)	PUNCT
bjmsr-2280	278	39	.	.	PUNCT
bjmsr-2280	279	1	pls	pls	INTJ
bjmsr-2280	279	2	-	-	PUNCT
bjmsr-2280	279	3	sem	sem	PROPN
bjmsr-2280	279	4	or	or	CCONJ
bjmsr-2280	279	5	cb	cb	PROPN
bjmsr-2280	279	6	-	-	PUNCT
bjmsr-2280	279	7	sem	sem	PROPN
bjmsr-2280	279	8	:	:	PUNCT
bjmsr-2280	279	9	updated	update	VERB
bjmsr-2280	279	10	guidelines	guideline	NOUN
bjmsr-2280	279	11	on	on	ADP
bjmsr-2280	279	12	which	which	DET
bjmsr-2280	279	13	method	method	NOUN
bjmsr-2280	279	14	to	to	PART
bjmsr-2280	279	15	use	use	VERB
bjmsr-2280	279	16	.	.	PUNCT
bjmsr-2280	280	1	international	international	ADJ
bjmsr-2280	280	2	journal	journal	PROPN
bjmsr-2280	280	3	of	of	ADP
bjmsr-2280	280	4	multivariate	multivariate	NOUN
bjmsr-2280	280	5	data	datum	NOUN
bjmsr-2280	280	6	analysis	analysis	NOUN
bjmsr-2280	280	7	,	,	PUNCT
bjmsr-2280	280	8	1(2	1(2	NUM
bjmsr-2280	280	9	)	)	PUNCT
bjmsr-2280	280	10	,	,	PUNCT
bjmsr-2280	280	11	107–123	107–123	NUM
bjmsr-2280	280	12	.	.	PUNCT
bjmsr-2280	281	1	https://doi.org/10.1504/ijmda.2017.087624	https://doi.org/10.1504/ijmda.2017.087624	NOUN
bjmsr-2280	281	2	kasri	kasri	PROPN
bjmsr-2280	281	3	,	,	PUNCT
bjmsr-2280	281	4	r.	r.	PROPN
bjmsr-2280	281	5	a.	a.	PROPN
bjmsr-2280	281	6	,	,	PUNCT
bjmsr-2280	281	7	&	&	CCONJ
bjmsr-2280	281	8	sosianti	sosianti	PROPN
bjmsr-2280	281	9	,	,	PUNCT
bjmsr-2280	281	10	m.	m.	PROPN
bjmsr-2280	281	11	w.	w.	PROPN
bjmsr-2280	281	12	(	(	PUNCT
bjmsr-2280	281	13	2023	2023	NUM
bjmsr-2280	281	14	)	)	PUNCT
bjmsr-2280	281	15	.	.	PUNCT
bjmsr-2280	282	1	determinants	determinant	NOUN
bjmsr-2280	282	2	of	of	ADP
bjmsr-2280	282	3	the	the	DET
bjmsr-2280	282	4	intention	intention	NOUN
bjmsr-2280	282	5	to	to	PART
bjmsr-2280	282	6	pay	pay	VERB
bjmsr-2280	282	7	zakat	zakat	PROPN
bjmsr-2280	282	8	online	online	ADV
bjmsr-2280	282	9	:	:	PUNCT
bjmsr-2280	282	10	the	the	DET
bjmsr-2280	282	11	case	case	NOUN
bjmsr-2280	282	12	of	of	ADP
bjmsr-2280	282	13	indonesia	indonesia	PROPN
bjmsr-2280	282	14	.	.	PROPN
bjmsr-2280	283	1	journal	journal	PROPN
bjmsr-2280	283	2	of	of	ADP
bjmsr-2280	283	3	islamic	islamic	ADJ
bjmsr-2280	283	4	monetary	monetary	ADJ
bjmsr-2280	283	5	economics	economic	NOUN
bjmsr-2280	283	6	and	and	CCONJ
bjmsr-2280	283	7	finance	finance	NOUN
bjmsr-2280	283	8	,	,	PUNCT
bjmsr-2280	283	9	9(2	9(2	NUM
bjmsr-2280	283	10	)	)	PUNCT
bjmsr-2280	283	11	,	,	PUNCT
bjmsr-2280	283	12	275	275	NUM
bjmsr-2280	283	13	-	-	SYM
bjmsr-2280	283	14	294	294	NUM
bjmsr-2280	283	15	.	.	PUNCT
bjmsr-2280	284	1	https://doi.org/10.21098/jimf.v9i2.1664	https://doi.org/10.21098/jimf.v9i2.1664	NOUN
bjmsr-2280	284	2	kasri	kasri	PROPN
bjmsr-2280	284	3	,	,	PUNCT
bjmsr-2280	284	4	r.	r.	PROPN
bjmsr-2280	284	5	a.	a.	PROPN
bjmsr-2280	284	6	,	,	PUNCT
bjmsr-2280	284	7	&	&	CCONJ
bjmsr-2280	284	8	yuniar	yuniar	NOUN
bjmsr-2280	284	9	,	,	PUNCT
bjmsr-2280	284	10	a.	a.	NOUN
bjmsr-2280	284	11	m.	m.	NOUN
bjmsr-2280	284	12	(	(	PUNCT
bjmsr-2280	284	13	2021	2021	NUM
bjmsr-2280	284	14	)	)	PUNCT
bjmsr-2280	284	15	.	.	PUNCT
bjmsr-2280	285	1	determinants	determinant	NOUN
bjmsr-2280	285	2	of	of	ADP
bjmsr-2280	285	3	digital	digital	ADJ
bjmsr-2280	285	4	zakat	zakat	NOUN
bjmsr-2280	285	5	payments	payment	NOUN
bjmsr-2280	285	6	:	:	PUNCT
bjmsr-2280	285	7	lessons	lesson	NOUN
bjmsr-2280	285	8	from	from	ADP
bjmsr-2280	285	9	indonesian	indonesian	ADJ
bjmsr-2280	285	10	experience	experience	NOUN
bjmsr-2280	285	11	.	.	PUNCT
bjmsr-2280	286	1	journal	journal	PROPN
bjmsr-2280	286	2	of	of	ADP
bjmsr-2280	286	3	islamic	islamic	PROPN
bjmsr-2280	286	4	accounting	accounting	PROPN
bjmsr-2280	286	5	and	and	CCONJ
bjmsr-2280	286	6	business	business	NOUN
bjmsr-2280	286	7	research	research	NOUN
bjmsr-2280	286	8	,	,	PUNCT
bjmsr-2280	286	9	12(3	12(3	NUM
bjmsr-2280	286	10	)	)	PUNCT
bjmsr-2280	286	11	,	,	PUNCT
bjmsr-2280	286	12	362	362	NUM
bjmsr-2280	286	13	-	-	SYM
bjmsr-2280	286	14	379	379	NUM
bjmsr-2280	286	15	.	.	PUNCT
bjmsr-2280	287	1	https://doi.org/10.1108/jiabr-08-2020-0258	https://doi.org/10.1108/jiabr-08-2020-0258	PROPN
bjmsr-2280	287	2	kwon	kwon	PROPN
bjmsr-2280	287	3	,	,	PUNCT
bjmsr-2280	287	4	w.	w.	PROPN
bjmsr-2280	287	5	s.	s.	PROPN
bjmsr-2280	287	6	,	,	PUNCT
bjmsr-2280	287	7	&	&	CCONJ
bjmsr-2280	287	8	noh	noh	PROPN
bjmsr-2280	287	9	,	,	PUNCT
bjmsr-2280	287	10	m.	m.	NOUN
bjmsr-2280	287	11	(	(	PUNCT
bjmsr-2280	287	12	2010	2010	NUM
bjmsr-2280	287	13	)	)	PUNCT
bjmsr-2280	287	14	.	.	PUNCT
bjmsr-2280	288	1	the	the	DET
bjmsr-2280	288	2	influence	influence	NOUN
bjmsr-2280	288	3	of	of	ADP
bjmsr-2280	288	4	prior	prior	ADJ
bjmsr-2280	288	5	experience	experience	NOUN
bjmsr-2280	288	6	and	and	CCONJ
bjmsr-2280	288	7	age	age	NOUN
bjmsr-2280	288	8	on	on	ADP
bjmsr-2280	288	9	mature	mature	ADJ
bjmsr-2280	288	10	consumers	consumer	NOUN
bjmsr-2280	288	11	'	'	PART
bjmsr-2280	288	12	perceptions	perception	NOUN
bjmsr-2280	288	13	and	and	CCONJ
bjmsr-2280	288	14	intentions	intention	NOUN
bjmsr-2280	288	15	of	of	ADP
bjmsr-2280	288	16	internet	internet	NOUN
bjmsr-2280	288	17	apparel	apparel	NOUN
bjmsr-2280	288	18	shopping	shopping	NOUN
bjmsr-2280	288	19	.	.	PUNCT
bjmsr-2280	289	1	journal	journal	PROPN
bjmsr-2280	289	2	of	of	ADP
bjmsr-2280	289	3	fashion	fashion	NOUN
bjmsr-2280	289	4	marketing	marketing	NOUN
bjmsr-2280	289	5	and	and	CCONJ
bjmsr-2280	289	6	management	management	NOUN
bjmsr-2280	289	7	:	:	PUNCT
bjmsr-2280	289	8	an	an	DET
bjmsr-2280	289	9	international	international	ADJ
bjmsr-2280	289	10	journal	journal	NOUN
bjmsr-2280	289	11	,	,	PUNCT
bjmsr-2280	289	12	14(3	14(3	NUM
bjmsr-2280	289	13	)	)	PUNCT
bjmsr-2280	289	14	,	,	PUNCT
bjmsr-2280	289	15	335–349	335–349	NUM
bjmsr-2280	289	16	.	.	PUNCT
bjmsr-2280	290	1	https://doi.org/10.1108/13612021011061825	https://doi.org/10.1108/13612021011061825	PROPN
bjmsr-2280	290	2	lau	lau	PROPN
bjmsr-2280	290	3	,	,	PUNCT
bjmsr-2280	290	4	r.	r.	PROPN
bjmsr-2280	290	5	s.	s.	PROPN
bjmsr-2280	290	6	,	,	PUNCT
bjmsr-2280	290	7	&	&	CCONJ
bjmsr-2280	290	8	cobb	cobb	PROPN
bjmsr-2280	290	9	,	,	PUNCT
bjmsr-2280	290	10	a.	a.	NOUN
bjmsr-2280	290	11	t.	t.	PROPN
bjmsr-2280	290	12	(	(	PUNCT
bjmsr-2280	290	13	2010	2010	NUM
bjmsr-2280	290	14	)	)	PUNCT
bjmsr-2280	290	15	.	.	PUNCT
bjmsr-2280	291	1	understanding	understand	VERB
bjmsr-2280	291	2	the	the	DET
bjmsr-2280	291	3	connections	connection	NOUN
bjmsr-2280	291	4	between	between	ADP
bjmsr-2280	291	5	relationship	relationship	NOUN
bjmsr-2280	291	6	conflict	conflict	NOUN
bjmsr-2280	291	7	and	and	CCONJ
bjmsr-2280	291	8	performance	performance	NOUN
bjmsr-2280	291	9	:	:	PUNCT
bjmsr-2280	291	10	the	the	DET
bjmsr-2280	291	11	intervening	intervene	VERB
bjmsr-2280	291	12	roles	role	NOUN
bjmsr-2280	291	13	of	of	ADP
bjmsr-2280	291	14	trust	trust	NOUN
bjmsr-2280	291	15	and	and	CCONJ
bjmsr-2280	291	16	exchange	exchange	NOUN
bjmsr-2280	291	17	.	.	PUNCT
bjmsr-2280	292	1	journal	journal	NOUN
bjmsr-2280	292	2	of	of	ADP
bjmsr-2280	292	3	organizational	organizational	ADJ
bjmsr-2280	292	4	behavior	behavior	NOUN
bjmsr-2280	292	5	,	,	PUNCT
bjmsr-2280	292	6	31(6	31(6	NUM
bjmsr-2280	292	7	)	)	PUNCT
bjmsr-2280	292	8	,	,	PUNCT
bjmsr-2280	292	9	898–917	898–917	NUM
bjmsr-2280	292	10	.	.	PUNCT
bjmsr-2280	293	1	https://doi.org/10.1002/job.674	https://doi.org/10.1002/job.674	PROPN
bjmsr-2280	293	2	li	li	PROPN
bjmsr-2280	293	3	,	,	PUNCT
bjmsr-2280	293	4	w.	w.	PROPN
bjmsr-2280	293	5	,	,	PUNCT
bjmsr-2280	293	6	mao	mao	PROPN
bjmsr-2280	293	7	,	,	PUNCT
bjmsr-2280	293	8	y.	y.	PROPN
bjmsr-2280	293	9	,	,	PUNCT
bjmsr-2280	293	10	&	&	CCONJ
bjmsr-2280	293	11	liu	liu	PROPN
bjmsr-2280	293	12	,	,	PUNCT
bjmsr-2280	293	13	c.	c.	PROPN
bjmsr-2280	293	14	(	(	PUNCT
bjmsr-2280	293	15	2022	2022	NUM
bjmsr-2280	293	16	)	)	PUNCT
bjmsr-2280	293	17	.	.	PUNCT
bjmsr-2280	294	1	understanding	understand	VERB
bjmsr-2280	294	2	the	the	DET
bjmsr-2280	294	3	intention	intention	NOUN
bjmsr-2280	294	4	to	to	PART
bjmsr-2280	294	5	donate	donate	VERB
bjmsr-2280	294	6	online	online	ADV
bjmsr-2280	294	7	in	in	ADP
bjmsr-2280	294	8	the	the	DET
bjmsr-2280	294	9	chinese	chinese	ADJ
bjmsr-2280	294	10	context	context	NOUN
bjmsr-2280	294	11	:	:	PUNCT
bjmsr-2280	294	12	the	the	DET
bjmsr-2280	294	13	influence	influence	NOUN
bjmsr-2280	294	14	of	of	ADP
bjmsr-2280	294	15	norms	norm	NOUN
bjmsr-2280	294	16	and	and	CCONJ
bjmsr-2280	294	17	trust	trust	NOUN
bjmsr-2280	294	18	.	.	PUNCT
bjmsr-2280	295	1	cyberpsychology	cyberpsychology	NOUN
bjmsr-2280	295	2	:	:	PUNCT
bjmsr-2280	295	3	journal	journal	NOUN
bjmsr-2280	295	4	of	of	ADP
bjmsr-2280	295	5	psychosocial	psychosocial	ADJ
bjmsr-2280	295	6	research	research	NOUN
bjmsr-2280	295	7	on	on	ADP
bjmsr-2280	295	8	cyberspace	cyberspace	NOUN
bjmsr-2280	295	9	,	,	PUNCT
bjmsr-2280	295	10	16(1	16(1	NUM
bjmsr-2280	295	11	)	)	PUNCT
bjmsr-2280	295	12	,	,	PUNCT
bjmsr-2280	295	13	7	7	X
bjmsr-2280	295	14	.	.	PUNCT
bjmsr-2280	296	1	https://doi.org/10.5817/cp2022-1-7	https://doi.org/10.5817/cp2022-1-7	PROPN
bjmsr-2280	296	2	muflih	muflih	NOUN
bjmsr-2280	296	3	,	,	PUNCT
bjmsr-2280	296	4	m.	m.	NOUN
bjmsr-2280	296	5	(	(	PUNCT
bjmsr-2280	296	6	2023	2023	NUM
bjmsr-2280	296	7	)	)	PUNCT
bjmsr-2280	296	8	.	.	PUNCT
bjmsr-2280	297	1	muzakki	muzakki	PROPN
bjmsr-2280	297	2	’s	’s	PART
bjmsr-2280	297	3	adoption	adoption	NOUN
bjmsr-2280	297	4	of	of	ADP
bjmsr-2280	297	5	mobile	mobile	ADJ
bjmsr-2280	297	6	service	service	NOUN
bjmsr-2280	297	7	:	:	PUNCT
bjmsr-2280	297	8	integrating	integrate	VERB
bjmsr-2280	297	9	the	the	DET
bjmsr-2280	297	10	roles	role	NOUN
bjmsr-2280	297	11	of	of	ADP
bjmsr-2280	297	12	technology	technology	NOUN
bjmsr-2280	297	13	acceptance	acceptance	NOUN
bjmsr-2280	297	14	model	model	NOUN
bjmsr-2280	297	15	(	(	PUNCT
bjmsr-2280	297	16	tam	tam	PROPN
bjmsr-2280	297	17	)	)	PUNCT
bjmsr-2280	297	18	,	,	PUNCT
bjmsr-2280	297	19	perceived	perceive	VERB
bjmsr-2280	297	20	trust	trust	NOUN
bjmsr-2280	297	21	and	and	CCONJ
bjmsr-2280	297	22	religiosity	religiosity	NOUN
bjmsr-2280	297	23	.	.	PUNCT
bjmsr-2280	298	1	journal	journal	PROPN
bjmsr-2280	298	2	of	of	ADP
bjmsr-2280	298	3	islamic	islamic	PROPN
bjmsr-2280	298	4	accounting	accounting	PROPN
bjmsr-2280	298	5	and	and	CCONJ
bjmsr-2280	298	6	business	business	NOUN
bjmsr-2280	298	7	research	research	NOUN
bjmsr-2280	298	8	,	,	PUNCT
bjmsr-2280	298	9	14(1	14(1	NUM
bjmsr-2280	298	10	)	)	PUNCT
bjmsr-2280	298	11	,	,	PUNCT
bjmsr-2280	298	12	21–33	21–33	NUM
bjmsr-2280	298	13	.	.	PUNCT
bjmsr-2280	299	1	https://doi.org/10.1108/jiabr-09-2021-0273	https://doi.org/10.1108/jiabr-09-2021-0273	PROPN
bjmsr-2280	299	2	rahman	rahman	PROPN
bjmsr-2280	299	3	et	et	PROPN
bjmsr-2280	299	4	al	al	PROPN
bjmsr-2280	299	5	.	.	PROPN
bjmsr-2280	299	6	,	,	PUNCT
bjmsr-2280	299	7	bangladesh	bangladesh	PROPN
bjmsr-2280	299	8	journal	journal	NOUN
bjmsr-2280	299	9	of	of	ADP
bjmsr-2280	299	10	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	299	11	scientific	scientific	ADJ
bjmsr-2280	299	12	research	research	NOUN
bjmsr-2280	299	13	10(1	10(1	NUM
bjmsr-2280	299	14	)	)	PUNCT
bjmsr-2280	299	15	(	(	PUNCT
bjmsr-2280	299	16	2025	2025	NUM
bjmsr-2280	299	17	)	)	PUNCT
bjmsr-2280	299	18	,	,	PUNCT
bjmsr-2280	299	19	1	1	NUM
bjmsr-2280	299	20	-	-	SYM
bjmsr-2280	299	21	10	10	NUM
bjmsr-2280	299	22	10	10	NUM
bjmsr-2280	299	23	nuryahya	nuryahya	NOUN
bjmsr-2280	299	24	,	,	PUNCT
bjmsr-2280	299	25	e.	e.	PROPN
bjmsr-2280	299	26	,	,	PUNCT
bjmsr-2280	299	27	mahri	mahri	PROPN
bjmsr-2280	299	28	,	,	PUNCT
bjmsr-2280	299	29	a.	a.	PROPN
bjmsr-2280	299	30	j.	j.	PROPN
bjmsr-2280	299	31	w.	w.	PROPN
bjmsr-2280	299	32	,	,	PUNCT
bjmsr-2280	299	33	nurasyiah	nurasyiah	PROPN
bjmsr-2280	299	34	,	,	PUNCT
bjmsr-2280	299	35	a.	a.	PROPN
bjmsr-2280	299	36	,	,	PUNCT
bjmsr-2280	299	37	&	&	CCONJ
bjmsr-2280	299	38	adiresuty	adiresuty	PROPN
bjmsr-2280	299	39	,	,	PUNCT
bjmsr-2280	299	40	f.	f.	PROPN
bjmsr-2280	299	41	(	(	PUNCT
bjmsr-2280	299	42	2022	2022	NUM
bjmsr-2280	299	43	)	)	PUNCT
bjmsr-2280	299	44	.	.	PUNCT
bjmsr-2280	300	1	technology	technology	NOUN
bjmsr-2280	300	2	acceptance	acceptance	NOUN
bjmsr-2280	300	3	of	of	ADP
bjmsr-2280	300	4	zakat	zakat	NOUN
bjmsr-2280	300	5	payment	payment	NOUN
bjmsr-2280	300	6	platform	platform	NOUN
bjmsr-2280	300	7	:	:	PUNCT
bjmsr-2280	300	8	an	an	DET
bjmsr-2280	300	9	analysis	analysis	NOUN
bjmsr-2280	300	10	of	of	ADP
bjmsr-2280	300	11	modified	modify	VERB
bjmsr-2280	300	12	of	of	ADP
bjmsr-2280	300	13	unified	unified	ADJ
bjmsr-2280	300	14	theory	theory	NOUN
bjmsr-2280	300	15	of	of	ADP
bjmsr-2280	300	16	acceptance	acceptance	NOUN
bjmsr-2280	300	17	and	and	CCONJ
bjmsr-2280	300	18	use	use	NOUN
bjmsr-2280	300	19	of	of	ADP
bjmsr-2280	300	20	technology	technology	NOUN
bjmsr-2280	300	21	.	.	PUNCT
bjmsr-2280	301	1	al	al	PROPN
bjmsr-2280	301	2	-	-	PUNCT
bjmsr-2280	301	3	uqud	uqud	PROPN
bjmsr-2280	301	4	:	:	PUNCT
bjmsr-2280	301	5	journal	journal	NOUN
bjmsr-2280	301	6	of	of	ADP
bjmsr-2280	301	7	islamic	islamic	ADJ
bjmsr-2280	301	8	economics	economic	NOUN
bjmsr-2280	301	9	,	,	PUNCT
bjmsr-2280	301	10	6(1	6(1	NUM
bjmsr-2280	301	11	)	)	PUNCT
bjmsr-2280	301	12	,	,	PUNCT
bjmsr-2280	301	13	142	142	NUM
bjmsr-2280	301	14	-	-	SYM
bjmsr-2280	301	15	159	159	NUM
bjmsr-2280	301	16	.	.	PUNCT
bjmsr-2280	302	1	https://doi.org/10.26740/aluqud.v6n1.p142-159	https://doi.org/10.26740/aluqud.v6n1.p142-159	PROPN
bjmsr-2280	302	2	oktavendi	oktavendi	PROPN
bjmsr-2280	302	3	,	,	PUNCT
bjmsr-2280	302	4	t.	t.	PROPN
bjmsr-2280	302	5	w.	w.	PROPN
bjmsr-2280	302	6	,	,	PUNCT
bjmsr-2280	302	7	&	&	CCONJ
bjmsr-2280	302	8	mu'ammal	mu'ammal	PROPN
bjmsr-2280	302	9	,	,	PUNCT
bjmsr-2280	302	10	i.	i.	NOUN
bjmsr-2280	302	11	(	(	PUNCT
bjmsr-2280	302	12	2022	2022	NUM
bjmsr-2280	302	13	)	)	PUNCT
bjmsr-2280	302	14	.	.	PUNCT
bjmsr-2280	303	1	acceptance	acceptance	NOUN
bjmsr-2280	303	2	model	model	NOUN
bjmsr-2280	303	3	for	for	ADP
bjmsr-2280	303	4	predicting	predict	VERB
bjmsr-2280	303	5	adoption	adoption	NOUN
bjmsr-2280	303	6	of	of	ADP
bjmsr-2280	303	7	zakat	zakat	NOUN
bjmsr-2280	303	8	,	,	PUNCT
bjmsr-2280	303	9	infaq	infaq	NOUN
bjmsr-2280	303	10	,	,	PUNCT
bjmsr-2280	303	11	and	and	CCONJ
bjmsr-2280	303	12	sodaqoh	sodaqoh	NOUN
bjmsr-2280	303	13	(	(	PUNCT
bjmsr-2280	303	14	zis	zis	ADJ
bjmsr-2280	303	15	)	)	PUNCT
bjmsr-2280	303	16	digital	digital	ADJ
bjmsr-2280	303	17	payments	payment	NOUN
bjmsr-2280	303	18	in	in	ADP
bjmsr-2280	303	19	generation	generation	NOUN
bjmsr-2280	303	20	z.	z.	PROPN
bjmsr-2280	303	21	journal	journal	PROPN
bjmsr-2280	303	22	of	of	ADP
bjmsr-2280	303	23	islamic	islamic	PROPN
bjmsr-2280	303	24	accounting	accounting	PROPN
bjmsr-2280	303	25	and	and	CCONJ
bjmsr-2280	303	26	business	business	NOUN
bjmsr-2280	303	27	research	research	NOUN
bjmsr-2280	303	28	,	,	PUNCT
bjmsr-2280	303	29	13(4	13(4	NUM
bjmsr-2280	303	30	)	)	PUNCT
bjmsr-2280	303	31	,	,	PUNCT
bjmsr-2280	303	32	684	684	NUM
bjmsr-2280	303	33	-	-	SYM
bjmsr-2280	303	34	700	700	NUM
bjmsr-2280	303	35	.	.	PUNCT
bjmsr-2280	304	1	https://doi.org/10.1108/jiabr-09-2021-0267	https://doi.org/10.1108/jiabr-09-2021-0267	PROPN
bjmsr-2280	304	2	ouellette	ouellette	PROPN
bjmsr-2280	304	3	,	,	PUNCT
bjmsr-2280	304	4	j.	j.	PROPN
bjmsr-2280	304	5	a.	a.	PROPN
bjmsr-2280	304	6	,	,	PUNCT
bjmsr-2280	304	7	&	&	CCONJ
bjmsr-2280	304	8	wood	wood	PROPN
bjmsr-2280	304	9	,	,	PUNCT
bjmsr-2280	304	10	w.	w.	NOUN
bjmsr-2280	304	11	(	(	PUNCT
bjmsr-2280	304	12	1998	1998	NUM
bjmsr-2280	304	13	)	)	PUNCT
bjmsr-2280	304	14	.	.	PUNCT
bjmsr-2280	305	1	habit	habit	NOUN
bjmsr-2280	305	2	and	and	CCONJ
bjmsr-2280	305	3	intention	intention	NOUN
bjmsr-2280	305	4	in	in	ADP
bjmsr-2280	305	5	everyday	everyday	ADJ
bjmsr-2280	305	6	life	life	NOUN
bjmsr-2280	305	7	:	:	PUNCT
bjmsr-2280	305	8	the	the	DET
bjmsr-2280	305	9	multiple	multiple	ADJ
bjmsr-2280	305	10	processes	process	NOUN
bjmsr-2280	305	11	by	by	ADP
bjmsr-2280	305	12	which	which	PRON
bjmsr-2280	305	13	past	past	ADJ
bjmsr-2280	305	14	behavior	behavior	NOUN
bjmsr-2280	305	15	predicts	predict	VERB
bjmsr-2280	305	16	future	future	ADJ
bjmsr-2280	305	17	behavior	behavior	NOUN
bjmsr-2280	305	18	.	.	PUNCT
bjmsr-2280	306	1	psychological	psychological	ADJ
bjmsr-2280	306	2	bulletin	bulletin	NOUN
bjmsr-2280	306	3	,	,	PUNCT
bjmsr-2280	306	4	124(1	124(1	NUM
bjmsr-2280	306	5	)	)	PUNCT
bjmsr-2280	306	6	,	,	PUNCT
bjmsr-2280	306	7	54	54	NUM
bjmsr-2280	306	8	-	-	SYM
bjmsr-2280	306	9	74	74	NUM
bjmsr-2280	306	10	.	.	PUNCT
bjmsr-2280	307	1	https://doi.org/10.1037/0033-2909.124.1.54	https://doi.org/10.1037/0033-2909.124.1.54	PROPN
bjmsr-2280	307	2	paizin	paizin	PROPN
bjmsr-2280	307	3	,	,	PUNCT
bjmsr-2280	307	4	m.	m.	NOUN
bjmsr-2280	307	5	n.	n.	PROPN
bjmsr-2280	307	6	,	,	PUNCT
bjmsr-2280	307	7	&	&	CCONJ
bjmsr-2280	307	8	sarif	sarif	PROPN
bjmsr-2280	307	9	,	,	PUNCT
bjmsr-2280	307	10	s.	s.	PROPN
bjmsr-2280	307	11	(	(	PUNCT
bjmsr-2280	307	12	2021	2021	NUM
bjmsr-2280	307	13	)	)	PUNCT
bjmsr-2280	307	14	.	.	PUNCT
bjmsr-2280	308	1	strategi	strategi	PROPN
bjmsr-2280	308	2	pengurusan	pengurusan	PROPN
bjmsr-2280	308	3	kutipan	kutipan	PROPN
bjmsr-2280	308	4	zakat	zakat	PROPN
bjmsr-2280	308	5	semasa	semasa	PROPN
bjmsr-2280	308	6	:	:	PUNCT
bjmsr-2280	308	7	optimumkah	optimumkah	PROPN
bjmsr-2280	308	8	kutipan	kutipan	PROPN
bjmsr-2280	308	9	zakat	zakat	PROPN
bjmsr-2280	308	10	di	di	X
bjmsr-2280	308	11	malaysia	malaysia	PROPN
bjmsr-2280	308	12	?	?	PUNCT
bjmsr-2280	309	1	the	the	DET
bjmsr-2280	309	2	current	current	ADJ
bjmsr-2280	309	3	zakat	zakat	NOUN
bjmsr-2280	309	4	collection	collection	NOUN
bjmsr-2280	309	5	strategy	strategy	NOUN
bjmsr-2280	309	6	:	:	PUNCT
bjmsr-2280	309	7	does	do	VERB
bjmsr-2280	309	8	zakat	zakat	NOUN
bjmsr-2280	309	9	collection	collection	NOUN
bjmsr-2280	309	10	in	in	ADP
bjmsr-2280	309	11	malaysia	malaysia	PROPN
bjmsr-2280	309	12	optimum	optimum	NOUN
bjmsr-2280	309	13	?	?	PUNCT
bjmsr-2280	309	14	.	.	PUNCT
bjmsr-2280	310	1	sains	sain	NOUN
bjmsr-2280	310	2	insani	insani	PROPN
bjmsr-2280	310	3	,	,	PUNCT
bjmsr-2280	310	4	6(3	6(3	NUM
bjmsr-2280	310	5	)	)	PUNCT
bjmsr-2280	310	6	.	.	PUNCT
bjmsr-2280	311	1	https://doi.org/10.33102/sainsinsani.vol6no3.218	https://doi.org/10.33102/sainsinsani.vol6no3.218	PROPN
bjmsr-2280	311	2	park	park	PROPN
bjmsr-2280	311	3	,	,	PUNCT
bjmsr-2280	311	4	j.	j.	PROPN
bjmsr-2280	311	5	,	,	PUNCT
bjmsr-2280	311	6	amendah	amendah	PROPN
bjmsr-2280	311	7	,	,	PUNCT
bjmsr-2280	311	8	e.	e.	PROPN
bjmsr-2280	311	9	,	,	PUNCT
bjmsr-2280	311	10	lee	lee	PROPN
bjmsr-2280	311	11	,	,	PUNCT
bjmsr-2280	311	12	y.	y.	PROPN
bjmsr-2280	311	13	,	,	PUNCT
bjmsr-2280	311	14	&	&	CCONJ
bjmsr-2280	311	15	hyun	hyun	PROPN
bjmsr-2280	311	16	,	,	PUNCT
bjmsr-2280	311	17	h.	h.	PROPN
bjmsr-2280	311	18	(	(	PUNCT
bjmsr-2280	311	19	2019	2019	NUM
bjmsr-2280	311	20	)	)	PUNCT
bjmsr-2280	311	21	.	.	PUNCT
bjmsr-2280	312	1	m‐payment	m‐payment	PUNCT
bjmsr-2280	312	2	service	service	NOUN
bjmsr-2280	312	3	:	:	PUNCT
bjmsr-2280	312	4	interplay	interplay	NOUN
bjmsr-2280	312	5	of	of	ADP
bjmsr-2280	312	6	perceived	perceive	VERB
bjmsr-2280	312	7	risk	risk	NOUN
bjmsr-2280	312	8	,	,	PUNCT
bjmsr-2280	312	9	benefit	benefit	NOUN
bjmsr-2280	312	10	,	,	PUNCT
bjmsr-2280	312	11	and	and	CCONJ
bjmsr-2280	312	12	trust	trust	NOUN
bjmsr-2280	312	13	in	in	ADP
bjmsr-2280	312	14	service	service	NOUN
bjmsr-2280	312	15	adoption	adoption	NOUN
bjmsr-2280	312	16	.	.	PUNCT
bjmsr-2280	313	1	human	human	ADJ
bjmsr-2280	313	2	factors	factor	NOUN
bjmsr-2280	313	3	and	and	CCONJ
bjmsr-2280	313	4	ergonomics	ergonomic	NOUN
bjmsr-2280	313	5	in	in	ADP
bjmsr-2280	313	6	manufacturing	manufacturing	NOUN
bjmsr-2280	313	7	&	&	CCONJ
bjmsr-2280	313	8	service	service	NOUN
bjmsr-2280	313	9	industries	industry	NOUN
bjmsr-2280	313	10	,	,	PUNCT
bjmsr-2280	313	11	29(1	29(1	NUM
bjmsr-2280	313	12	)	)	PUNCT
bjmsr-2280	313	13	,	,	PUNCT
bjmsr-2280	313	14	31	31	NUM
bjmsr-2280	313	15	-	-	SYM
bjmsr-2280	313	16	43	43	NUM
bjmsr-2280	313	17	.	.	PUNCT
bjmsr-2280	314	1	https://doi.org/10.1002/hfm.20750	https://doi.org/10.1002/hfm.20750	PROPN
bjmsr-2280	314	2	prakash	prakash	PROPN
bjmsr-2280	314	3	,	,	PUNCT
bjmsr-2280	314	4	a.	a.	PROPN
bjmsr-2280	314	5	,	,	PUNCT
bjmsr-2280	314	6	&	&	CCONJ
bjmsr-2280	314	7	gugerty	gugerty	PROPN
bjmsr-2280	314	8	,	,	PUNCT
bjmsr-2280	314	9	m.	m.	NOUN
bjmsr-2280	314	10	k.	k.	PROPN
bjmsr-2280	314	11	(	(	PUNCT
bjmsr-2280	314	12	2010	2010	NUM
bjmsr-2280	314	13	)	)	PUNCT
bjmsr-2280	314	14	.	.	PUNCT
bjmsr-2280	315	1	trust	trust	NOUN
bjmsr-2280	315	2	but	but	CCONJ
bjmsr-2280	315	3	verify	verify	VERB
bjmsr-2280	315	4	?	?	PUNCT
bjmsr-2280	316	1	voluntary	voluntary	ADJ
bjmsr-2280	316	2	regulation	regulation	NOUN
bjmsr-2280	316	3	programs	program	NOUN
bjmsr-2280	316	4	in	in	ADP
bjmsr-2280	316	5	the	the	DET
bjmsr-2280	316	6	nonprofit	nonprofit	ADJ
bjmsr-2280	316	7	sector	sector	NOUN
bjmsr-2280	316	8	.	.	PUNCT
bjmsr-2280	317	1	regulation	regulation	NOUN
bjmsr-2280	317	2	&	&	CCONJ
bjmsr-2280	317	3	governance	governance	NOUN
bjmsr-2280	317	4	,	,	PUNCT
bjmsr-2280	317	5	4(1	4(1	NOUN
bjmsr-2280	317	6	)	)	PUNCT
bjmsr-2280	317	7	,	,	PUNCT
bjmsr-2280	317	8	22–47	22–47	NUM
bjmsr-2280	317	9	.	.	PUNCT
bjmsr-2280	317	10	https://doi.org/10.1111/j.1748-5991.2010.01075.x	https://doi.org/10.1111/j.1748-5991.2010.01075.x	VERB
bjmsr-2280	317	11	safeena	safeena	NOUN
bjmsr-2280	317	12	,	,	PUNCT
bjmsr-2280	317	13	r.	r.	PROPN
bjmsr-2280	317	14	,	,	PUNCT
bjmsr-2280	317	15	date	date	NOUN
bjmsr-2280	317	16	,	,	PUNCT
bjmsr-2280	317	17	h.	h.	PROPN
bjmsr-2280	317	18	,	,	PUNCT
bjmsr-2280	317	19	kammani	kammani	PROPN
bjmsr-2280	317	20	,	,	PUNCT
bjmsr-2280	317	21	a.	a.	NOUN
bjmsr-2280	317	22	,	,	PUNCT
bjmsr-2280	317	23	&	&	CCONJ
bjmsr-2280	317	24	hundewale	hundewale	PROPN
bjmsr-2280	317	25	,	,	PUNCT
bjmsr-2280	317	26	n.	n.	NOUN
bjmsr-2280	317	27	(	(	PUNCT
bjmsr-2280	317	28	2012	2012	NUM
bjmsr-2280	317	29	)	)	PUNCT
bjmsr-2280	317	30	.	.	PUNCT
bjmsr-2280	318	1	technology	technology	NOUN
bjmsr-2280	318	2	adoption	adoption	NOUN
bjmsr-2280	318	3	and	and	CCONJ
bjmsr-2280	318	4	indian	indian	ADJ
bjmsr-2280	318	5	consumers	consumer	NOUN
bjmsr-2280	318	6	:	:	PUNCT
bjmsr-2280	318	7	study	study	VERB
bjmsr-2280	318	8	on	on	ADP
bjmsr-2280	318	9	mobile	mobile	ADJ
bjmsr-2280	318	10	banking	banking	NOUN
bjmsr-2280	318	11	.	.	PUNCT
bjmsr-2280	319	1	international	international	ADJ
bjmsr-2280	319	2	journal	journal	PROPN
bjmsr-2280	319	3	of	of	ADP
bjmsr-2280	319	4	computer	computer	NOUN
bjmsr-2280	319	5	theory	theory	NOUN
bjmsr-2280	319	6	and	and	CCONJ
bjmsr-2280	319	7	engineering	engineering	NOUN
bjmsr-2280	319	8	,	,	PUNCT
bjmsr-2280	319	9	4(6	4(6	NUM
bjmsr-2280	319	10	)	)	PUNCT
bjmsr-2280	319	11	,	,	PUNCT
bjmsr-2280	319	12	1020	1020	NUM
bjmsr-2280	319	13	-	-	SYM
bjmsr-2280	319	14	1024	1024	NUM
bjmsr-2280	319	15	.	.	PUNCT
bjmsr-2280	320	1	salleh	salleh	PROPN
bjmsr-2280	320	2	,	,	PUNCT
bjmsr-2280	320	3	w.	w.	PROPN
bjmsr-2280	320	4	n.	n.	PROPN
bjmsr-2280	320	5	a.	a.	PROPN
bjmsr-2280	320	6	w.	w.	PROPN
bjmsr-2280	320	7	m.	m.	PROPN
bjmsr-2280	320	8	,	,	PUNCT
bjmsr-2280	320	9	rasid	rasid	PROPN
bjmsr-2280	320	10	,	,	PUNCT
bjmsr-2280	320	11	s.	s.	PROPN
bjmsr-2280	320	12	z.	z.	PROPN
bjmsr-2280	320	13	a.	a.	PROPN
bjmsr-2280	320	14	,	,	PUNCT
bjmsr-2280	320	15	&	&	CCONJ
bjmsr-2280	320	16	basiruddin	basiruddin	PROPN
bjmsr-2280	320	17	,	,	PUNCT
bjmsr-2280	320	18	r.	r.	PROPN
bjmsr-2280	320	19	(	(	PUNCT
bjmsr-2280	320	20	2022	2022	NUM
bjmsr-2280	320	21	)	)	PUNCT
bjmsr-2280	320	22	.	.	PUNCT
bjmsr-2280	321	1	optimising	optimise	VERB
bjmsr-2280	321	2	digital	digital	ADJ
bjmsr-2280	321	3	technology	technology	NOUN
bjmsr-2280	321	4	in	in	ADP
bjmsr-2280	321	5	managing	manage	VERB
bjmsr-2280	321	6	zakat	zakat	NOUN
bjmsr-2280	321	7	.	.	PUNCT
bjmsr-2280	322	1	international	international	ADJ
bjmsr-2280	322	2	journal	journal	PROPN
bjmsr-2280	322	3	of	of	ADP
bjmsr-2280	322	4	academic	academic	ADJ
bjmsr-2280	322	5	research	research	NOUN
bjmsr-2280	322	6	in	in	ADP
bjmsr-2280	322	7	business	business	NOUN
bjmsr-2280	322	8	and	and	CCONJ
bjmsr-2280	322	9	social	social	ADJ
bjmsr-2280	322	10	sciences	science	NOUN
bjmsr-2280	322	11	,	,	PUNCT
bjmsr-2280	322	12	12(8	12(8	NUM
bjmsr-2280	322	13	)	)	PUNCT
bjmsr-2280	322	14	,	,	PUNCT
bjmsr-2280	322	15	726	726	NUM
bjmsr-2280	322	16	-	-	SYM
bjmsr-2280	322	17	733	733	NUM
bjmsr-2280	322	18	.	.	PUNCT
bjmsr-2280	323	1	sargeant	sargeant	PROPN
bjmsr-2280	323	2	,	,	PUNCT
bjmsr-2280	323	3	a.	a.	PROPN
bjmsr-2280	323	4	,	,	PUNCT
bjmsr-2280	323	5	&	&	CCONJ
bjmsr-2280	323	6	lee	lee	PROPN
bjmsr-2280	323	7	,	,	PUNCT
bjmsr-2280	323	8	s.	s.	PROPN
bjmsr-2280	323	9	(	(	PUNCT
bjmsr-2280	323	10	2004	2004	NUM
bjmsr-2280	323	11	)	)	PUNCT
bjmsr-2280	323	12	.	.	PUNCT
bjmsr-2280	324	1	trust	trust	NOUN
bjmsr-2280	324	2	and	and	CCONJ
bjmsr-2280	324	3	relationship	relationship	NOUN
bjmsr-2280	324	4	commitment	commitment	NOUN
bjmsr-2280	324	5	in	in	ADP
bjmsr-2280	324	6	the	the	DET
bjmsr-2280	324	7	united	united	PROPN
bjmsr-2280	324	8	kingdom	kingdom	PROPN
bjmsr-2280	324	9	voluntary	voluntary	ADJ
bjmsr-2280	324	10	sector	sector	NOUN
bjmsr-2280	324	11	:	:	PUNCT
bjmsr-2280	324	12	determinants	determinant	NOUN
bjmsr-2280	324	13	of	of	ADP
bjmsr-2280	324	14	donor	donor	NOUN
bjmsr-2280	324	15	behavior	behavior	NOUN
bjmsr-2280	324	16	.	.	PUNCT
bjmsr-2280	325	1	psychology	psychology	NOUN
bjmsr-2280	325	2	&	&	CCONJ
bjmsr-2280	325	3	marketing	marketing	PROPN
bjmsr-2280	325	4	,	,	PUNCT
bjmsr-2280	325	5	21(8	21(8	NUM
bjmsr-2280	325	6	)	)	PUNCT
bjmsr-2280	325	7	,	,	PUNCT
bjmsr-2280	325	8	613–635	613–635	NUM
bjmsr-2280	325	9	.	.	PUNCT
bjmsr-2280	326	1	https://doi.org/10.1002/mar.20021	https://doi.org/10.1002/mar.20021	PROPN
bjmsr-2280	326	2	wang	wang	PROPN
bjmsr-2280	326	3	,	,	PUNCT
bjmsr-2280	326	4	c.	c.	PROPN
bjmsr-2280	326	5	,	,	PUNCT
bjmsr-2280	326	6	wang	wang	PROPN
bjmsr-2280	326	7	,	,	PUNCT
bjmsr-2280	326	8	w.	w.	PROPN
bjmsr-2280	326	9	,	,	PUNCT
bjmsr-2280	326	10	&	&	CCONJ
bjmsr-2280	326	11	wu	wu	PROPN
bjmsr-2280	326	12	,	,	PUNCT
bjmsr-2280	326	13	h.	h.	PROPN
bjmsr-2280	326	14	(	(	PUNCT
bjmsr-2280	326	15	2020	2020	NUM
bjmsr-2280	326	16	)	)	PUNCT
bjmsr-2280	326	17	.	.	PUNCT
bjmsr-2280	327	1	association	association	NOUN
bjmsr-2280	327	2	between	between	ADP
bjmsr-2280	327	3	medical	medical	ADJ
bjmsr-2280	327	4	students	student	NOUN
bjmsr-2280	327	5	’	'	PUNCT
bjmsr-2280	327	6	prior	prior	ADJ
bjmsr-2280	327	7	experiences	experience	NOUN
bjmsr-2280	327	8	and	and	CCONJ
bjmsr-2280	327	9	perceptions	perception	NOUN
bjmsr-2280	327	10	of	of	ADP
bjmsr-2280	327	11	formal	formal	ADJ
bjmsr-2280	327	12	online	online	ADJ
bjmsr-2280	327	13	education	education	NOUN
bjmsr-2280	327	14	developed	develop	VERB
bjmsr-2280	327	15	in	in	ADP
bjmsr-2280	327	16	response	response	NOUN
bjmsr-2280	327	17	to	to	ADP
bjmsr-2280	327	18	covid-19	covid-19	PROPN
bjmsr-2280	327	19	:	:	PUNCT
bjmsr-2280	327	20	a	a	DET
bjmsr-2280	327	21	cross	cross	ADJ
bjmsr-2280	327	22	-	-	ADJ
bjmsr-2280	327	23	sectional	sectional	ADJ
bjmsr-2280	327	24	study	study	NOUN
bjmsr-2280	327	25	in	in	ADP
bjmsr-2280	327	26	china	china	PROPN
bjmsr-2280	327	27	.	.	PUNCT
bjmsr-2280	328	1	bmj	bmj	PROPN
bjmsr-2280	328	2	open	open	ADJ
bjmsr-2280	328	3	,	,	PUNCT
bjmsr-2280	328	4	10(10	10(10	NUM
bjmsr-2280	328	5	)	)	PUNCT
bjmsr-2280	328	6	,	,	PUNCT
bjmsr-2280	328	7	1	1	NUM
bjmsr-2280	328	8	-	-	SYM
bjmsr-2280	328	9	10	10	NUM
bjmsr-2280	328	10	.	.	PUNCT
bjmsr-2280	329	1	https://doi.org/10.1136/bmjopen-2020-041886	https://doi.org/10.1136/bmjopen-2020-041886	PROPN
bjmsr-2280	329	2	wu	wu	PROPN
bjmsr-2280	329	3	,	,	PUNCT
bjmsr-2280	329	4	j.	j.	PROPN
bjmsr-2280	329	5	,	,	PUNCT
bjmsr-2280	329	6	liu	liu	PROPN
bjmsr-2280	329	7	,	,	PUNCT
bjmsr-2280	329	8	l.	l.	PROPN
bjmsr-2280	329	9	,	,	PUNCT
bjmsr-2280	329	10	&	&	CCONJ
bjmsr-2280	329	11	huang	huang	PROPN
bjmsr-2280	329	12	,	,	PUNCT
bjmsr-2280	329	13	l.	l.	PROPN
bjmsr-2280	329	14	(	(	PUNCT
bjmsr-2280	329	15	2017	2017	NUM
bjmsr-2280	329	16	)	)	PUNCT
bjmsr-2280	329	17	.	.	PUNCT
bjmsr-2280	330	1	consumer	consumer	NOUN
bjmsr-2280	330	2	acceptance	acceptance	NOUN
bjmsr-2280	330	3	of	of	ADP
bjmsr-2280	330	4	mobile	mobile	ADJ
bjmsr-2280	330	5	payment	payment	NOUN
bjmsr-2280	330	6	across	across	ADP
bjmsr-2280	330	7	time	time	NOUN
bjmsr-2280	330	8	:	:	PUNCT
bjmsr-2280	330	9	antecedents	antecedent	NOUN
bjmsr-2280	330	10	and	and	CCONJ
bjmsr-2280	330	11	moderating	moderate	VERB
bjmsr-2280	330	12	role	role	NOUN
bjmsr-2280	330	13	of	of	ADP
bjmsr-2280	330	14	diffusion	diffusion	NOUN
bjmsr-2280	330	15	stages	stage	NOUN
bjmsr-2280	330	16	.	.	PUNCT
bjmsr-2280	331	1	industrial	industrial	ADJ
bjmsr-2280	331	2	management	management	PROPN
bjmsr-2280	331	3	&	&	CCONJ
bjmsr-2280	331	4	data	datum	NOUN
bjmsr-2280	331	5	systems	system	NOUN
bjmsr-2280	331	6	,	,	PUNCT
bjmsr-2280	331	7	117(8	117(8	NUM
bjmsr-2280	331	8	)	)	PUNCT
bjmsr-2280	331	9	,	,	PUNCT
bjmsr-2280	331	10	1761	1761	NUM
bjmsr-2280	331	11	-	-	SYM
bjmsr-2280	331	12	1776	1776	NUM
bjmsr-2280	331	13	.	.	PUNCT
bjmsr-2280	332	1	https://doi.org/10.1108/imds-08-2016-0312	https://doi.org/10.1108/imds-08-2016-0312	PROPN
bjmsr-2280	332	2	xie	xie	PROPN
bjmsr-2280	332	3	,	,	PUNCT
bjmsr-2280	332	4	j.	j.	PROPN
bjmsr-2280	332	5	,	,	PUNCT
bjmsr-2280	332	6	ye	ye	PROPN
bjmsr-2280	332	7	,	,	PUNCT
bjmsr-2280	332	8	l.	l.	PROPN
bjmsr-2280	332	9	,	,	PUNCT
bjmsr-2280	332	10	huang	huang	PROPN
bjmsr-2280	332	11	,	,	PUNCT
bjmsr-2280	332	12	w.	w.	PROPN
bjmsr-2280	332	13	,	,	PUNCT
bjmsr-2280	332	14	&	&	CCONJ
bjmsr-2280	332	15	ye	ye	PROPN
bjmsr-2280	332	16	,	,	PUNCT
bjmsr-2280	332	17	m.	m.	NOUN
bjmsr-2280	332	18	(	(	PUNCT
bjmsr-2280	332	19	2021	2021	NUM
bjmsr-2280	332	20	)	)	PUNCT
bjmsr-2280	332	21	.	.	PUNCT
bjmsr-2280	333	1	understanding	understand	VERB
bjmsr-2280	333	2	fintech	fintech	NOUN
bjmsr-2280	333	3	platform	platform	NOUN
bjmsr-2280	333	4	adoption	adoption	NOUN
bjmsr-2280	333	5	:	:	PUNCT
bjmsr-2280	333	6	impacts	impact	NOUN
bjmsr-2280	333	7	of	of	ADP
bjmsr-2280	333	8	perceived	perceive	VERB
bjmsr-2280	333	9	value	value	NOUN
bjmsr-2280	333	10	and	and	CCONJ
bjmsr-2280	333	11	perceived	perceive	VERB
bjmsr-2280	333	12	risk	risk	NOUN
bjmsr-2280	333	13	.	.	PUNCT
bjmsr-2280	334	1	journal	journal	NOUN
bjmsr-2280	334	2	of	of	ADP
bjmsr-2280	334	3	theoretical	theoretical	ADJ
bjmsr-2280	334	4	and	and	CCONJ
bjmsr-2280	334	5	applied	apply	VERB
bjmsr-2280	334	6	electronic	electronic	ADJ
bjmsr-2280	334	7	commerce	commerce	NOUN
bjmsr-2280	334	8	research	research	NOUN
bjmsr-2280	334	9	,	,	PUNCT
bjmsr-2280	334	10	16(5	16(5	NUM
bjmsr-2280	334	11	)	)	PUNCT
bjmsr-2280	334	12	,	,	PUNCT
bjmsr-2280	334	13	1893	1893	NUM
bjmsr-2280	334	14	-	-	SYM
bjmsr-2280	334	15	1911	1911	NUM
bjmsr-2280	334	16	.	.	PUNCT
bjmsr-2280	335	1	https://doi.org/10.3390/jtaer16050106	https://doi.org/10.3390/jtaer16050106	PROPN
bjmsr-2280	335	2	yusfiarto	yusfiarto	PROPN
bjmsr-2280	335	3	,	,	PUNCT
bjmsr-2280	335	4	r.	r.	PROPN
bjmsr-2280	335	5	,	,	PUNCT
bjmsr-2280	335	6	setiawan	setiawan	PROPN
bjmsr-2280	335	7	,	,	PUNCT
bjmsr-2280	335	8	a.	a.	NOUN
bjmsr-2280	335	9	,	,	PUNCT
bjmsr-2280	335	10	&	&	CCONJ
bjmsr-2280	335	11	nugraha	nugraha	PROPN
bjmsr-2280	335	12	,	,	PUNCT
bjmsr-2280	335	13	s.	s.	PROPN
bjmsr-2280	335	14	s.	s.	PROPN
bjmsr-2280	335	15	(	(	PUNCT
bjmsr-2280	335	16	2020	2020	NUM
bjmsr-2280	335	17	)	)	PUNCT
bjmsr-2280	335	18	.	.	PUNCT
bjmsr-2280	336	1	literacy	literacy	NOUN
bjmsr-2280	336	2	and	and	CCONJ
bjmsr-2280	336	3	intention	intention	NOUN
bjmsr-2280	336	4	to	to	PART
bjmsr-2280	336	5	pay	pay	VERB
bjmsr-2280	336	6	zakat	zakat	NOUN
bjmsr-2280	336	7	.	.	PUNCT
bjmsr-2280	337	1	international	international	ADJ
bjmsr-2280	337	2	journal	journal	PROPN
bjmsr-2280	337	3	of	of	ADP
bjmsr-2280	337	4	zakat	zakat	PROPN
bjmsr-2280	337	5	,	,	PUNCT
bjmsr-2280	337	6	5(1	5(1	NUM
bjmsr-2280	337	7	)	)	PUNCT
bjmsr-2280	337	8	,	,	PUNCT
bjmsr-2280	337	9	15	15	NUM
bjmsr-2280	337	10	-	-	SYM
bjmsr-2280	337	11	27	27	NUM
bjmsr-2280	337	12	.	.	PUNCT
bjmsr-2280	338	1	https://doi.org/10.37706/ijaz.v5i1.221	https://doi.org/10.37706/ijaz.v5i1.221	PROPN
bjmsr-2280	338	2	zauro	zauro	PROPN
bjmsr-2280	338	3	,	,	PUNCT
bjmsr-2280	338	4	n.	n.	PROPN
bjmsr-2280	338	5	a.	a.	PROPN
bjmsr-2280	338	6	,	,	PUNCT
bjmsr-2280	338	7	zauro	zauro	PROPN
bjmsr-2280	338	8	,	,	PUNCT
bjmsr-2280	338	9	n.	n.	PROPN
bjmsr-2280	338	10	a.	a.	PROPN
bjmsr-2280	338	11	,	,	PUNCT
bjmsr-2280	338	12	saad	saad	PROPN
bjmsr-2280	338	13	,	,	PUNCT
bjmsr-2280	338	14	r.	r.	PROPN
bjmsr-2280	338	15	a.	a.	PROPN
bjmsr-2280	338	16	j.	j.	PROPN
bjmsr-2280	338	17	,	,	PUNCT
bjmsr-2280	338	18	&	&	CCONJ
bjmsr-2280	338	19	sawandi	sawandi	NOUN
bjmsr-2280	338	20	,	,	PUNCT
bjmsr-2280	338	21	n.	n.	NOUN
bjmsr-2280	338	22	(	(	PUNCT
bjmsr-2280	338	23	2020	2020	NUM
bjmsr-2280	338	24	)	)	PUNCT
bjmsr-2280	338	25	.	.	PUNCT
bjmsr-2280	339	1	enhancing	enhance	VERB
bjmsr-2280	339	2	socio	socio	NOUN
bjmsr-2280	339	3	-	-	PUNCT
bjmsr-2280	339	4	economic	economic	ADJ
bjmsr-2280	339	5	justice	justice	NOUN
bjmsr-2280	339	6	and	and	CCONJ
bjmsr-2280	339	7	financial	financial	ADJ
bjmsr-2280	339	8	inclusion	inclusion	NOUN
bjmsr-2280	339	9	in	in	ADP
bjmsr-2280	339	10	nigeria	nigeria	PROPN
bjmsr-2280	339	11	:	:	PUNCT
bjmsr-2280	339	12	the	the	DET
bjmsr-2280	339	13	role	role	NOUN
bjmsr-2280	339	14	of	of	ADP
bjmsr-2280	339	15	zakat	zakat	NOUN
bjmsr-2280	339	16	,	,	PUNCT
bjmsr-2280	339	17	sadaqah	sadaqah	PROPN
bjmsr-2280	339	18	and	and	CCONJ
bjmsr-2280	339	19	qardhul	qardhul	PROPN
bjmsr-2280	339	20	hassan	hassan	PROPN
bjmsr-2280	339	21	.	.	PUNCT
bjmsr-2280	340	1	journal	journal	PROPN
bjmsr-2280	340	2	of	of	ADP
bjmsr-2280	340	3	islamic	islamic	PROPN
bjmsr-2280	340	4	accounting	accounting	PROPN
bjmsr-2280	340	5	and	and	CCONJ
bjmsr-2280	340	6	business	business	NOUN
bjmsr-2280	340	7	research	research	NOUN
bjmsr-2280	340	8	,	,	PUNCT
bjmsr-2280	340	9	11(3	11(3	NUM
bjmsr-2280	340	10	)	)	PUNCT
bjmsr-2280	340	11	,	,	PUNCT
bjmsr-2280	340	12	555	555	NUM
bjmsr-2280	340	13	-	-	SYM
bjmsr-2280	340	14	572	572	NUM
bjmsr-2280	340	15	.	.	PUNCT
bjmsr-2280	341	1	https://doi.org/10.1108/jiabr-01-2020-0010	https://doi.org/10.1108/jiabr-01-2020-0010	ADJ
bjmsr-2280	341	2	zulfikri	zulfikri	NOUN
bjmsr-2280	341	3	,	,	PUNCT
bjmsr-2280	341	4	z.	z.	PROPN
bjmsr-2280	341	5	,	,	PUNCT
bjmsr-2280	341	6	kassim	kassim	PROPN
bjmsr-2280	341	7	,	,	PUNCT
bjmsr-2280	341	8	s.	s.	PROPN
bjmsr-2280	341	9	h.	h.	PROPN
bjmsr-2280	341	10	,	,	PUNCT
bjmsr-2280	341	11	&	&	CCONJ
bjmsr-2280	341	12	hawariyuni	hawariyuni	PROPN
bjmsr-2280	341	13	,	,	PUNCT
bjmsr-2280	341	14	w.	w.	PROPN
bjmsr-2280	341	15	(	(	PUNCT
bjmsr-2280	341	16	2021	2021	NUM
bjmsr-2280	341	17	)	)	PUNCT
bjmsr-2280	341	18	.	.	PUNCT
bjmsr-2280	342	1	proposing	propose	VERB
bjmsr-2280	342	2	blockchain	blockchain	PROPN
bjmsr-2280	342	3	technology	technology	PROPN
bjmsr-2280	342	4	based	base	VERB
bjmsr-2280	342	5	zakat	zakat	PROPN
bjmsr-2280	342	6	management	management	NOUN
bjmsr-2280	342	7	model	model	NOUN
bjmsr-2280	342	8	to	to	PART
bjmsr-2280	342	9	enhance	enhance	VERB
bjmsr-2280	342	10	muzakki	muzakki	PROPN
bjmsr-2280	342	11	’s	’s	PART
bjmsr-2280	342	12	trust	trust	NOUN
bjmsr-2280	342	13	in	in	ADP
bjmsr-2280	342	14	zakat	zakat	PROPN
bjmsr-2280	342	15	agencies	agency	NOUN
bjmsr-2280	342	16	:	:	PUNCT
bjmsr-2280	342	17	a	a	DET
bjmsr-2280	342	18	conceptual	conceptual	ADJ
bjmsr-2280	342	19	study	study	NOUN
bjmsr-2280	342	20	.	.	PUNCT
bjmsr-2280	343	1	journal	journal	NOUN
bjmsr-2280	343	2	of	of	ADP
bjmsr-2280	343	3	accounting	accounting	NOUN
bjmsr-2280	343	4	research	research	NOUN
bjmsr-2280	343	5	,	,	PUNCT
bjmsr-2280	343	6	organization	organization	NOUN
bjmsr-2280	343	7	and	and	CCONJ
bjmsr-2280	343	8	economics	economic	NOUN
bjmsr-2280	343	9	,	,	PUNCT
bjmsr-2280	343	10	4(2	4(2	NUM
bjmsr-2280	343	11	)	)	PUNCT
bjmsr-2280	343	12	,	,	PUNCT
bjmsr-2280	343	13	153	153	NUM
bjmsr-2280	343	14	-	-	SYM
bjmsr-2280	343	15	163	163	NUM
bjmsr-2280	343	16	.	.	PUNCT
bjmsr-2280	344	1	https://doi.org/10.24815/jaroe.v4i2.20467	https://doi.org/10.24815/jaroe.v4i2.20467	PROPN
bjmsr-2280	344	2	publisher	publisher	NOUN
bjmsr-2280	344	3	’s	’s	PART
bjmsr-2280	344	4	note	note	NOUN
bjmsr-2280	344	5	:	:	PUNCT
bjmsr-2280	344	6	cribfb	cribfb	PROPN
bjmsr-2280	344	7	stays	stay	VERB
bjmsr-2280	344	8	neutral	neutral	ADJ
bjmsr-2280	344	9	with	with	ADP
bjmsr-2280	344	10	regard	regard	NOUN
bjmsr-2280	344	11	to	to	ADP
bjmsr-2280	344	12	jurisdictional	jurisdictional	ADJ
bjmsr-2280	344	13	claims	claim	NOUN
bjmsr-2280	344	14	in	in	ADP
bjmsr-2280	344	15	published	publish	VERB
bjmsr-2280	344	16	maps	map	NOUN
bjmsr-2280	344	17	and	and	CCONJ
bjmsr-2280	344	18	institutional	institutional	ADJ
bjmsr-2280	344	19	affiliations	affiliation	NOUN
bjmsr-2280	344	20	.	.	PUNCT
bjmsr-2280	345	1	©	©	PROPN
bjmsr-2280	345	2	2025	2025	NUM
bjmsr-2280	345	3	by	by	ADP
bjmsr-2280	345	4	the	the	DET
bjmsr-2280	345	5	authors	author	NOUN
bjmsr-2280	345	6	.	.	PUNCT
bjmsr-2280	346	1	licensee	licensee	PROPN
bjmsr-2280	346	2	cribfb	cribfb	PROPN
bjmsr-2280	346	3	,	,	PUNCT
bjmsr-2280	346	4	usa	usa	PROPN
bjmsr-2280	346	5	.	.	PROPN
bjmsr-2280	347	1	this	this	DET
bjmsr-2280	347	2	open	open	ADJ
bjmsr-2280	347	3	-	-	PUNCT
bjmsr-2280	347	4	access	access	NOUN
bjmsr-2280	347	5	article	article	NOUN
bjmsr-2280	347	6	is	be	AUX
bjmsr-2280	347	7	distributed	distribute	VERB
bjmsr-2280	347	8	under	under	ADP
bjmsr-2280	347	9	the	the	DET
bjmsr-2280	347	10	terms	term	NOUN
bjmsr-2280	347	11	and	and	CCONJ
bjmsr-2280	347	12	conditions	condition	NOUN
bjmsr-2280	347	13	of	of	ADP
bjmsr-2280	347	14	the	the	DET
bjmsr-2280	347	15	creative	creative	ADJ
bjmsr-2280	347	16	commons	common	NOUN
bjmsr-2280	347	17	attribution	attribution	NOUN
bjmsr-2280	347	18	(	(	PUNCT
bjmsr-2280	347	19	cc	cc	NOUN
bjmsr-2280	347	20	by	by	ADP
bjmsr-2280	347	21	)	)	PUNCT
bjmsr-2280	347	22	license	license	NOUN
bjmsr-2280	347	23	(	(	PUNCT
bjmsr-2280	347	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2280	347	25	)	)	PUNCT
bjmsr-2280	347	26	.	.	PUNCT
bjmsr-2280	348	1	bangladesh	bangladesh	PROPN
bjmsr-2280	348	2	journal	journal	PROPN
bjmsr-2280	348	3	of	of	ADP
bjmsr-2280	348	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2280	348	5	scientific	scientific	ADJ
bjmsr-2280	348	6	research	research	NOUN
bjmsr-2280	348	7	(	(	PUNCT
bjmsr-2280	348	8	p	p	NOUN
bjmsr-2280	348	9	-	-	PUNCT
bjmsr-2280	348	10	issn	issn	PROPN
bjmsr-2280	348	11	2687	2687	NUM
bjmsr-2280	348	12	-	-	PUNCT
bjmsr-2280	348	13	850x	850x	NUM
bjmsr-2280	348	14	e	e	NOUN
bjmsr-2280	348	15	-	-	PROPN
bjmsr-2280	348	16	issn	issn	PROPN
bjmsr-2280	348	17	2687	2687	NUM
bjmsr-2280	348	18	-	-	SYM
bjmsr-2280	348	19	8518	8518	NUM
bjmsr-2280	348	20	)	)	PUNCT
bjmsr-2280	348	21	by	by	ADP
bjmsr-2280	348	22	cribfb	cribfb	PROPN
bjmsr-2280	348	23	is	be	AUX
bjmsr-2280	348	24	licensed	license	VERB
bjmsr-2280	348	25	under	under	ADP
bjmsr-2280	348	26	a	a	DET
bjmsr-2280	348	27	creative	creative	ADJ
bjmsr-2280	348	28	commons	common	NOUN
bjmsr-2280	348	29	attribution	attribution	NOUN
bjmsr-2280	348	30	4.0	4.0	NUM
bjmsr-2280	348	31	international	international	ADJ
bjmsr-2280	348	32	license	license	NOUN
bjmsr-2280	348	33	.	.	PUNCT
bjmsr-2280	349	1	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	X
bjmsr-2280	349	2	)	)	PUNCT
bjmsr-2280	349	3	.	.	PUNCT
bjmsr-2280	350	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2280	350	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2280	350	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN