id	keyword
bjmsr-2231	payment
bjmsr-2231	adoption
bjmsr-2231	smpp
bjmsr-2231	et al
bjmsr-2231	user
bjmsr-2231	research
bjmsr-2231	study
bjmsr-2231	media
bjmsr-2231	journal
bjmsr-2231	analysis
bjmsr-2231	factors
bjmsr-2231	themes
bjmsr-2231	platform
bjmsr-2231	privacy
bjmsr-2231	respondent