id	sid	tid	token	lemma	pos
ctmj-137	1	1	issn	issn	PROPN
ctmj-137	1	2	:	:	PUNCT
ctmj-137	1	3	2693	2693	NUM
ctmj-137	1	4	6356	6356	NUM
ctmj-137	1	5	2023	2023	NUM
ctmj-137	1	6	|	|	ADV
ctmj-137	1	7	vol	vol	NOUN
ctmj-137	1	8	6	6	NUM
ctmj-137	1	9	|	|	NOUN
ctmj-137	1	10	issue	issue	VERB
ctmj-137	1	11	5	5	NUM
ctmj-137	1	12	the	the	DET
ctmj-137	1	13	trend	trend	NOUN
ctmj-137	1	14	toward	toward	ADP
ctmj-137	1	15	online	online	ADJ
ctmj-137	1	16	payments	payment	NOUN
ctmj-137	1	17	among	among	ADP
ctmj-137	1	18	digital	digital	ADJ
ctmj-137	1	19	marketing	marketing	NOUN
ctmj-137	1	20	and	and	CCONJ
ctmj-137	1	21	e	e	NOUN
ctmj-137	1	22	-	-	NOUN
ctmj-137	1	23	commerce	commerce	NOUN
ctmj-137	1	24	consumers	consumer	NOUN
ctmj-137	1	25	dr.c.mani	dr.c.mani	PROPN
ctmj-137	1	26	,	,	PUNCT
ctmj-137	1	27	m.phil	m.phil	NOUN
ctmj-137	1	28	.	.	PUNCT
ctmj-137	1	29	associate	associate	NOUN
ctmj-137	1	30	professor	professor	NOUN
ctmj-137	1	31	1	1	NUM
ctmj-137	1	32	sri	sri	PROPN
ctmj-137	1	33	vasavi	vasavi	PROPN
ctmj-137	1	34	college	college	PROPN
ctmj-137	1	35	(	(	PUNCT
ctmj-137	1	36	s.f.wing	s.f.wing	PROPN
ctmj-137	1	37	)	)	PUNCT
ctmj-137	1	38	,	,	PUNCT
ctmj-137	1	39	erode	erode	VERB
ctmj-137	1	40	abstract	abstract	ADJ
ctmj-137	1	41	customers	customer	NOUN
ctmj-137	1	42	may	may	AUX
ctmj-137	1	43	make	make	VERB
ctmj-137	1	44	instantaneous	instantaneous	ADJ
ctmj-137	1	45	,	,	PUNCT
ctmj-137	1	46	remote	remote	ADJ
ctmj-137	1	47	payments	payment	NOUN
ctmj-137	1	48	at	at	ADP
ctmj-137	1	49	any	any	DET
ctmj-137	1	50	time	time	NOUN
ctmj-137	1	51	,	,	PUNCT
ctmj-137	1	52	from	from	ADP
ctmj-137	1	53	any	any	DET
ctmj-137	1	54	location	location	NOUN
ctmj-137	1	55	.	.	PUNCT
ctmj-137	2	1	customers	customer	NOUN
ctmj-137	2	2	will	will	AUX
ctmj-137	2	3	benefit	benefit	VERB
ctmj-137	2	4	greatly	greatly	ADV
ctmj-137	2	5	from	from	ADP
ctmj-137	2	6	this	this	DET
ctmj-137	2	7	study	study	NOUN
ctmj-137	2	8	since	since	SCONJ
ctmj-137	2	9	they	they	PRON
ctmj-137	2	10	will	will	AUX
ctmj-137	2	11	be	be	AUX
ctmj-137	2	12	able	able	ADJ
ctmj-137	2	13	to	to	PART
ctmj-137	2	14	choose	choose	VERB
ctmj-137	2	15	the	the	DET
ctmj-137	2	16	most	most	ADV
ctmj-137	2	17	secure	secure	ADJ
ctmj-137	2	18	,	,	PUNCT
ctmj-137	2	19	quickest	quick	ADJ
ctmj-137	2	20	,	,	PUNCT
ctmj-137	2	21	and	and	CCONJ
ctmj-137	2	22	most	most	ADV
ctmj-137	2	23	convenient	convenient	ADJ
ctmj-137	2	24	method	method	NOUN
ctmj-137	2	25	of	of	ADP
ctmj-137	2	26	making	make	VERB
ctmj-137	2	27	online	online	ADJ
ctmj-137	2	28	monetary	monetary	ADJ
ctmj-137	2	29	transfers	transfer	NOUN
ctmj-137	2	30	.	.	PUNCT
ctmj-137	3	1	customers	customer	NOUN
ctmj-137	3	2	will	will	AUX
ctmj-137	3	3	be	be	AUX
ctmj-137	3	4	able	able	ADJ
ctmj-137	3	5	to	to	PART
ctmj-137	3	6	use	use	VERB
ctmj-137	3	7	the	the	DET
ctmj-137	3	8	information	information	NOUN
ctmj-137	3	9	gained	gain	VERB
ctmj-137	3	10	from	from	ADP
ctmj-137	3	11	this	this	DET
ctmj-137	3	12	study	study	NOUN
ctmj-137	3	13	to	to	PART
ctmj-137	3	14	confidently	confidently	ADV
ctmj-137	3	15	choose	choose	VERB
ctmj-137	3	16	and	and	CCONJ
ctmj-137	3	17	implement	implement	VERB
ctmj-137	3	18	a	a	DET
ctmj-137	3	19	strategy	strategy	NOUN
ctmj-137	3	20	for	for	ADP
ctmj-137	3	21	meeting	meet	VERB
ctmj-137	3	22	their	their	PRON
ctmj-137	3	23	monetary	monetary	ADJ
ctmj-137	3	24	commitment	commitment	NOUN
ctmj-137	3	25	with	with	ADP
ctmj-137	3	26	little	little	ADJ
ctmj-137	3	27	effort	effort	NOUN
ctmj-137	3	28	.	.	PUNCT
ctmj-137	4	1	digital	digital	ADJ
ctmj-137	4	2	money	money	NOUN
ctmj-137	4	3	transfers	transfer	NOUN
ctmj-137	4	4	have	have	AUX
ctmj-137	4	5	facilitated	facilitate	VERB
ctmj-137	4	6	a	a	DET
ctmj-137	4	7	shift	shift	NOUN
ctmj-137	4	8	in	in	ADP
ctmj-137	4	9	consumer	consumer	NOUN
ctmj-137	4	10	behavior	behavior	NOUN
ctmj-137	4	11	that	that	PRON
ctmj-137	4	12	has	have	AUX
ctmj-137	4	13	facilitated	facilitate	VERB
ctmj-137	4	14	the	the	DET
ctmj-137	4	15	widespread	widespread	ADJ
ctmj-137	4	16	use	use	NOUN
ctmj-137	4	17	of	of	ADP
ctmj-137	4	18	digital	digital	ADJ
ctmj-137	4	19	payment	payment	NOUN
ctmj-137	4	20	methods	method	NOUN
ctmj-137	4	21	.	.	PUNCT
ctmj-137	5	1	this	this	DET
ctmj-137	5	2	manner	manner	NOUN
ctmj-137	5	3	of	of	ADP
ctmj-137	5	4	doing	do	VERB
ctmj-137	5	5	business	business	NOUN
ctmj-137	5	6	facilitates	facilitate	VERB
ctmj-137	5	7	the	the	DET
ctmj-137	5	8	movement	movement	NOUN
ctmj-137	5	9	of	of	ADP
ctmj-137	5	10	funds	fund	NOUN
ctmj-137	5	11	to	to	PART
ctmj-137	5	12	previously	previously	ADV
ctmj-137	5	13	unreached	unreache	VERB
ctmj-137	5	14	rural	rural	ADJ
ctmj-137	5	15	and	and	CCONJ
ctmj-137	5	16	semi	semi	ADJ
ctmj-137	5	17	-	-	ADJ
ctmj-137	5	18	urban	urban	ADJ
ctmj-137	5	19	regions	region	NOUN
ctmj-137	5	20	.	.	PUNCT
ctmj-137	6	1	keywords	keyword	NOUN
ctmj-137	6	2	:	:	PUNCT
ctmj-137	6	3	customer	customer	NOUN
ctmj-137	6	4	payment	payment	NOUN
ctmj-137	6	5	,	,	PUNCT
ctmj-137	6	6	digital	digital	ADJ
ctmj-137	6	7	,	,	PUNCT
ctmj-137	6	8	online	online	ADJ
ctmj-137	6	9	,	,	PUNCT
ctmj-137	6	10	and	and	CCONJ
ctmj-137	6	11	utilities	utility	NOUN
ctmj-137	6	12	introduction	introduction	NOUN
ctmj-137	6	13	it	it	PRON
ctmj-137	6	14	just	just	ADV
ctmj-137	6	15	takes	take	VERB
ctmj-137	6	16	a	a	DET
ctmj-137	6	17	few	few	ADJ
ctmj-137	6	18	straightforward	straightforward	ADJ
ctmj-137	6	19	clicks	click	NOUN
ctmj-137	6	20	to	to	PART
ctmj-137	6	21	complete	complete	VERB
ctmj-137	6	22	a	a	DET
ctmj-137	6	23	purchase	purchase	NOUN
ctmj-137	6	24	using	use	VERB
ctmj-137	6	25	an	an	DET
ctmj-137	6	26	online	online	ADJ
ctmj-137	6	27	payment	payment	NOUN
ctmj-137	6	28	service	service	NOUN
ctmj-137	6	29	.	.	PUNCT
ctmj-137	7	1	they	they	PRON
ctmj-137	7	2	may	may	AUX
ctmj-137	7	3	be	be	AUX
ctmj-137	7	4	accessed	access	VERB
ctmj-137	7	5	online	online	ADV
ctmj-137	7	6	or	or	CCONJ
ctmj-137	7	7	via	via	ADP
ctmj-137	7	8	a	a	DET
ctmj-137	7	9	mobile	mobile	ADJ
ctmj-137	7	10	application	application	NOUN
ctmj-137	7	11	,	,	PUNCT
ctmj-137	7	12	eliminating	eliminate	VERB
ctmj-137	7	13	the	the	DET
ctmj-137	7	14	need	need	NOUN
ctmj-137	7	15	for	for	ADP
ctmj-137	7	16	specialized	specialized	ADJ
ctmj-137	7	17	software	software	NOUN
ctmj-137	7	18	or	or	CCONJ
ctmj-137	7	19	hardware	hardware	NOUN
ctmj-137	7	20	.	.	PUNCT
ctmj-137	8	1	with	with	ADP
ctmj-137	8	2	each	each	DET
ctmj-137	8	3	passing	pass	VERB
ctmj-137	8	4	year	year	NOUN
ctmj-137	8	5	,	,	PUNCT
ctmj-137	8	6	the	the	DET
ctmj-137	8	7	lines	line	NOUN
ctmj-137	8	8	between	between	ADP
ctmj-137	8	9	online	online	NOUN
ctmj-137	8	10	and	and	CCONJ
ctmj-137	8	11	in	in	ADP
ctmj-137	8	12	-	-	PUNCT
ctmj-137	8	13	person	person	NOUN
ctmj-137	8	14	financial	financial	ADJ
ctmj-137	8	15	transactions	transaction	NOUN
ctmj-137	8	16	blur	blur	VERB
ctmj-137	8	17	more	more	ADJ
ctmj-137	8	18	and	and	CCONJ
ctmj-137	8	19	more	more	ADJ
ctmj-137	8	20	.	.	PUNCT
ctmj-137	9	1	with	with	ADP
ctmj-137	9	2	the	the	DET
ctmj-137	9	3	proliferation	proliferation	NOUN
ctmj-137	9	4	of	of	ADP
ctmj-137	9	5	smartphones	smartphone	NOUN
ctmj-137	9	6	and	and	CCONJ
ctmj-137	9	7	other	other	ADJ
ctmj-137	9	8	internet	internet	NOUN
ctmj-137	9	9	-	-	PUNCT
ctmj-137	9	10	connected	connect	VERB
ctmj-137	9	11	mobile	mobile	ADJ
ctmj-137	9	12	devices	device	NOUN
ctmj-137	9	13	,	,	PUNCT
ctmj-137	9	14	it	it	PRON
ctmj-137	9	15	's	be	AUX
ctmj-137	9	16	becoming	become	VERB
ctmj-137	9	17	more	more	ADV
ctmj-137	9	18	common	common	ADJ
ctmj-137	9	19	for	for	SCONJ
ctmj-137	9	20	customers	customer	NOUN
ctmj-137	9	21	to	to	PART
ctmj-137	9	22	make	make	VERB
ctmj-137	9	23	purchases	purchase	NOUN
ctmj-137	9	24	at	at	ADP
ctmj-137	9	25	physical	physical	ADJ
ctmj-137	9	26	establishments	establishment	NOUN
ctmj-137	9	27	using	use	VERB
ctmj-137	9	28	their	their	PRON
ctmj-137	9	29	phones.the	phones.the	DET
ctmj-137	9	30	government	government	NOUN
ctmj-137	9	31	of	of	ADP
ctmj-137	9	32	india	india	PROPN
ctmj-137	9	33	has	have	AUX
ctmj-137	9	34	launched	launch	VERB
ctmj-137	9	35	a	a	DET
ctmj-137	9	36	digital	digital	ADJ
ctmj-137	9	37	india	india	PROPN
ctmj-137	9	38	initiative	initiative	NOUN
ctmj-137	9	39	to	to	PART
ctmj-137	9	40	promote	promote	VERB
ctmj-137	9	41	and	and	CCONJ
ctmj-137	9	42	facilitate	facilitate	VERB
ctmj-137	9	43	cashless	cashless	NOUN
ctmj-137	9	44	transactions	transaction	NOUN
ctmj-137	9	45	across	across	ADP
ctmj-137	9	46	the	the	DET
ctmj-137	9	47	country	country	NOUN
ctmj-137	9	48	.	.	PUNCT
ctmj-137	10	1	when	when	SCONJ
ctmj-137	10	2	using	use	VERB
ctmj-137	10	3	these	these	DET
ctmj-137	10	4	techniques	technique	NOUN
ctmj-137	10	5	,	,	PUNCT
ctmj-137	10	6	customers	customer	NOUN
ctmj-137	10	7	may	may	AUX
ctmj-137	10	8	pay	pay	VERB
ctmj-137	10	9	for	for	ADP
ctmj-137	10	10	goods	good	NOUN
ctmj-137	10	11	and	and	CCONJ
ctmj-137	10	12	services	service	NOUN
ctmj-137	10	13	,	,	PUNCT
ctmj-137	10	14	move	move	VERB
ctmj-137	10	15	money	money	NOUN
ctmj-137	10	16	between	between	ADP
ctmj-137	10	17	accounts	account	NOUN
ctmj-137	10	18	,	,	PUNCT
ctmj-137	10	19	and	and	CCONJ
ctmj-137	10	20	even	even	ADV
ctmj-137	10	21	settle	settle	VERB
ctmj-137	10	22	utility	utility	NOUN
ctmj-137	10	23	bills	bill	NOUN
ctmj-137	10	24	without	without	ADP
ctmj-137	10	25	ever	ever	ADV
ctmj-137	10	26	touching	touch	VERB
ctmj-137	10	27	physical	physical	ADJ
ctmj-137	10	28	cash.customers	cash.customer	NOUN
ctmj-137	10	29	benefit	benefit	VERB
ctmj-137	10	30	from	from	ADP
ctmj-137	10	31	more	more	ADJ
ctmj-137	10	32	protection	protection	NOUN
ctmj-137	10	33	,	,	PUNCT
ctmj-137	10	34	management	management	NOUN
ctmj-137	10	35	,	,	PUNCT
ctmj-137	10	36	and	and	CCONJ
ctmj-137	10	37	convenience	convenience	NOUN
ctmj-137	10	38	when	when	SCONJ
ctmj-137	10	39	using	use	VERB
ctmj-137	10	40	bank	bank	NOUN
ctmj-137	10	41	cards	card	NOUN
ctmj-137	10	42	or	or	CCONJ
ctmj-137	10	43	debit	debit	VERB
ctmj-137	10	44	cards	card	NOUN
ctmj-137	10	45	as	as	SCONJ
ctmj-137	10	46	opposed	oppose	VERB
ctmj-137	10	47	to	to	ADP
ctmj-137	10	48	alternative	alternative	ADJ
ctmj-137	10	49	payment	payment	NOUN
ctmj-137	10	50	options	option	NOUN
ctmj-137	10	51	.	.	PUNCT
ctmj-137	11	1	unstructured	unstructured	ADJ
ctmj-137	11	2	supplemental	supplemental	ADJ
ctmj-137	11	3	service	service	NOUN
ctmj-137	11	4	data	datum	NOUN
ctmj-137	11	5	for	for	ADP
ctmj-137	11	6	mobile	mobile	ADJ
ctmj-137	11	7	transactions	transaction	NOUN
ctmj-137	11	8	allows	allow	VERB
ctmj-137	11	9	for	for	ADP
ctmj-137	11	10	online	online	ADJ
ctmj-137	11	11	payment	payment	NOUN
ctmj-137	11	12	processing	processing	NOUN
ctmj-137	11	13	even	even	ADV
ctmj-137	11	14	in	in	ADP
ctmj-137	11	15	the	the	DET
ctmj-137	11	16	absence	absence	NOUN
ctmj-137	11	17	of	of	ADP
ctmj-137	11	18	smart	smart	ADJ
ctmj-137	11	19	phones	phone	NOUN
ctmj-137	11	20	.	.	PUNCT
ctmj-137	12	1	in	in	ADP
ctmj-137	12	2	india	india	PROPN
ctmj-137	12	3	,	,	PUNCT
ctmj-137	12	4	all	all	PRON
ctmj-137	12	5	of	of	ADP
ctmj-137	12	6	the	the	DET
ctmj-137	12	7	major	major	ADJ
ctmj-137	12	8	banks	bank	NOUN
ctmj-137	12	9	use	use	VERB
ctmj-137	12	10	gsm	gsm	NOUN
ctmj-137	12	11	carriers	carrier	NOUN
ctmj-137	12	12	to	to	PART
ctmj-137	12	13	serve	serve	VERB
ctmj-137	12	14	customers	customer	NOUN
ctmj-137	12	15	with	with	ADP
ctmj-137	12	16	ussd	ussd	NOUN
ctmj-137	12	17	-	-	PUNCT
ctmj-137	12	18	based	base	VERB
ctmj-137	12	19	mobile	mobile	NOUN
ctmj-137	12	20	banking.the	banking.the	DET
ctmj-137	12	21	aadhar	aadhar	PROPN
ctmj-137	12	22	enabled	enable	VERB
ctmj-137	12	23	payment	payment	NOUN
ctmj-137	12	24	system	system	NOUN
ctmj-137	12	25	(	(	PUNCT
ctmj-137	12	26	aeps	aeps	ADJ
ctmj-137	12	27	)	)	PUNCT
ctmj-137	12	28	is	be	AUX
ctmj-137	12	29	the	the	DET
ctmj-137	12	30	next	next	ADJ
ctmj-137	12	31	step	step	NOUN
ctmj-137	12	32	in	in	ADP
ctmj-137	12	33	online	online	ADJ
ctmj-137	12	34	payment	payment	NOUN
ctmj-137	12	35	methods	method	NOUN
ctmj-137	12	36	,	,	PUNCT
ctmj-137	12	37	and	and	CCONJ
ctmj-137	12	38	it	it	PRON
ctmj-137	12	39	is	be	AUX
ctmj-137	12	40	a	a	DET
ctmj-137	12	41	bank	bank	NOUN
ctmj-137	12	42	-	-	PUNCT
ctmj-137	12	43	led	lead	VERB
ctmj-137	12	44	payment	payment	NOUN
ctmj-137	12	45	model	model	NOUN
ctmj-137	12	46	that	that	PRON
ctmj-137	12	47	allows	allow	VERB
ctmj-137	12	48	businesses	business	NOUN
ctmj-137	12	49	to	to	PART
ctmj-137	12	50	conduct	conduct	VERB
ctmj-137	12	51	interoperable	interoperable	ADJ
ctmj-137	12	52	trend	trend	NOUN
ctmj-137	12	53	transactions	transaction	NOUN
ctmj-137	12	54	online	online	ADV
ctmj-137	12	55	via	via	ADP
ctmj-137	12	56	micro	micro	PROPN
ctmj-137	12	57	atms	atms	PROPN
ctmj-137	12	58	and	and	CCONJ
ctmj-137	12	59	points	point	NOUN
ctmj-137	12	60	of	of	ADP
ctmj-137	12	61	sale	sale	NOUN
ctmj-137	12	62	(	(	PUNCT
ctmj-137	12	63	pos	pos	NOUN
ctmj-137	12	64	)	)	PUNCT
ctmj-137	12	65	via	via	ADP
ctmj-137	12	66	correspondence	correspondence	NOUN
ctmj-137	12	67	with	with	ADP
ctmj-137	12	68	any	any	DET
ctmj-137	12	69	bank	bank	NOUN
ctmj-137	12	70	,	,	PUNCT
ctmj-137	12	71	authenticated	authenticate	VERB
ctmj-137	12	72	with	with	ADP
ctmj-137	12	73	an	an	DET
ctmj-137	12	74	aadhar	aadhar	PROPN
ctmj-137	12	75	card.a	card.a	NOUN
ctmj-137	12	76	user	user	NOUN
ctmj-137	12	77	or	or	CCONJ
ctmj-137	12	78	client	client	NOUN
ctmj-137	12	79	may	may	AUX
ctmj-137	12	80	make	make	VERB
ctmj-137	12	81	an	an	DET
ctmj-137	12	82	instantaneous	instantaneous	ADJ
ctmj-137	12	83	payment	payment	NOUN
ctmj-137	12	84	from	from	ADP
ctmj-137	12	85	any	any	DET
ctmj-137	12	86	location	location	NOUN
ctmj-137	12	87	at	at	ADP
ctmj-137	12	88	any	any	DET
ctmj-137	12	89	time	time	NOUN
ctmj-137	12	90	.	.	PUNCT
ctmj-137	13	1	this	this	DET
ctmj-137	13	2	research	research	NOUN
ctmj-137	13	3	will	will	AUX
ctmj-137	13	4	aid	aid	VERB
ctmj-137	13	5	in	in	ADP
ctmj-137	13	6	determining	determine	VERB
ctmj-137	13	7	which	which	DET
ctmj-137	13	8	payment	payment	NOUN
ctmj-137	13	9	methods	method	NOUN
ctmj-137	13	10	have	have	AUX
ctmj-137	13	11	recently	recently	ADV
ctmj-137	13	12	emerged	emerge	VERB
ctmj-137	13	13	as	as	ADP
ctmj-137	13	14	market	market	NOUN
ctmj-137	13	15	leaders	leader	NOUN
ctmj-137	13	16	in	in	ADP
ctmj-137	13	17	this	this	PRON
ctmj-137	13	18	space.in	space.in	NOUN
ctmj-137	13	19	this	this	DET
ctmj-137	13	20	analysis	analysis	NOUN
ctmj-137	13	21	,	,	PUNCT
ctmj-137	13	22	we	we	PRON
ctmj-137	13	23	'll	will	AUX
ctmj-137	13	24	take	take	VERB
ctmj-137	13	25	a	a	DET
ctmj-137	13	26	look	look	NOUN
ctmj-137	13	27	at	at	ADP
ctmj-137	13	28	the	the	DET
ctmj-137	13	29	best	good	ADJ
ctmj-137	13	30	features	feature	NOUN
ctmj-137	13	31	of	of	ADP
ctmj-137	13	32	online	online	ADJ
ctmj-137	13	33	bill	bill	NOUN
ctmj-137	13	34	payment	payment	NOUN
ctmj-137	13	35	is	be	AUX
ctmj-137	13	36	convenient	convenient	ADJ
ctmj-137	13	37	for	for	ADP
ctmj-137	13	38	the	the	DET
ctmj-137	13	39	sample	sample	NOUN
ctmj-137	13	40	population	population	NOUN
ctmj-137	13	41	since	since	SCONJ
ctmj-137	13	42	it	it	PRON
ctmj-137	13	43	allows	allow	VERB
ctmj-137	13	44	them	they	PRON
ctmj-137	13	45	to	to	PART
ctmj-137	13	46	pay	pay	VERB
ctmj-137	13	47	their	their	PRON
ctmj-137	13	48	bills	bill	NOUN
ctmj-137	13	49	whenever	whenever	SCONJ
ctmj-137	13	50	they	they	PRON
ctmj-137	13	51	want	want	VERB
ctmj-137	13	52	,	,	PUNCT
ctmj-137	13	53	from	from	ADP
ctmj-137	13	54	any	any	DET
ctmj-137	13	55	device	device	NOUN
ctmj-137	13	56	.	.	PUNCT
ctmj-137	14	1	literature	literature	NOUN
ctmj-137	14	2	review	review	PROPN
ctmj-137	14	3	y.	y.	PROPN
ctmj-137	14	4	chou	chou	PROPN
ctmj-137	14	5	;	;	PUNCT
ctmj-137	14	6	c.	c.	PROPN
ctmj-137	14	7	lee	lee	PROPN
ctmj-137	14	8	;	;	PUNCT
ctmj-137	14	9	j.	j.	PROPN
ctmj-137	14	10	chung	chung	PROPN
ctmj-137	14	11	;	;	PUNCT
ctmj-137	14	12	r.	r.	PROPN
ctmj-137	14	13	yuanru	yuanru	PROPN
ctmj-137	14	14	(	(	PUNCT
ctmj-137	14	15	2004	2004	NUM
ctmj-137	14	16	)	)	PUNCT
ctmj-137	14	17	.	.	PUNCT
ctmj-137	15	1	digital	digital	ADJ
ctmj-137	15	2	currency	currency	NOUN
ctmj-137	15	3	,	,	PUNCT
ctmj-137	15	4	often	often	ADV
ctmj-137	15	5	known	know	VERB
ctmj-137	15	6	as	as	ADP
ctmj-137	15	7	electronic	electronic	ADJ
ctmj-137	15	8	cash	cash	NOUN
ctmj-137	15	9	,	,	PUNCT
ctmj-137	15	10	was	be	AUX
ctmj-137	15	11	developed	develop	VERB
ctmj-137	15	12	early	early	ADV
ctmj-137	15	13	on	on	ADV
ctmj-137	15	14	in	in	ADP
ctmj-137	15	15	the	the	DET
ctmj-137	15	16	history	history	NOUN
ctmj-137	15	17	of	of	ADP
ctmj-137	15	18	online	online	ADJ
ctmj-137	15	19	trade	trade	NOUN
ctmj-137	15	20	.	.	PUNCT
ctmj-137	16	1	the	the	DET
ctmj-137	16	2	actuality	actuality	NOUN
ctmj-137	16	3	of	of	ADP
ctmj-137	16	4	the	the	DET
ctmj-137	16	5	e	e	NOUN
ctmj-137	16	6	-	-	NOUN
ctmj-137	16	7	cash	cash	ADJ
ctmj-137	16	8	market	market	NOUN
ctmj-137	16	9	,	,	PUNCT
ctmj-137	16	10	however	however	ADV
ctmj-137	16	11	,	,	PUNCT
ctmj-137	16	12	has	have	AUX
ctmj-137	16	13	been	be	AUX
ctmj-137	16	14	less	less	ADV
ctmj-137	16	15	thrilling	thrilling	ADJ
ctmj-137	16	16	.	.	PUNCT
ctmj-137	17	1	digicash	digicash	NOUN
ctmj-137	17	2	,	,	PUNCT
ctmj-137	17	3	cyber	cyber	NOUN
ctmj-137	17	4	cash	cash	NOUN
ctmj-137	17	5	,	,	PUNCT
ctmj-137	17	6	and	and	CCONJ
ctmj-137	17	7	first	first	ADJ
ctmj-137	17	8	virtual	virtual	ADJ
ctmj-137	17	9	are	be	AUX
ctmj-137	17	10	just	just	ADV
ctmj-137	17	11	a	a	DET
ctmj-137	17	12	handful	handful	NOUN
ctmj-137	17	13	of	of	ADP
ctmj-137	17	14	the	the	DET
ctmj-137	17	15	early	early	ADJ
ctmj-137	17	16	e	e	NOUN
ctmj-137	17	17	-	-	ADJ
ctmj-137	17	18	cash	cash	ADJ
ctmj-137	17	19	issuers	issuer	NOUN
ctmj-137	17	20	who	who	PRON
ctmj-137	17	21	failed	fail	VERB
ctmj-137	17	22	,	,	PUNCT
ctmj-137	17	23	shut	shut	VERB
ctmj-137	17	24	down	down	ADP
ctmj-137	17	25	,	,	PUNCT
ctmj-137	17	26	or	or	CCONJ
ctmj-137	17	27	shifted	shift	VERB
ctmj-137	17	28	focus	focus	NOUN
ctmj-137	17	29	within	within	ADP
ctmj-137	17	30	the	the	DET
ctmj-137	17	31	first	first	ADJ
ctmj-137	17	32	few	few	ADJ
ctmj-137	17	33	years.the	years.the	PRON
ctmj-137	17	34	widespread	widespread	ADJ
ctmj-137	17	35	use	use	NOUN
ctmj-137	17	36	of	of	ADP
ctmj-137	17	37	credit	credit	NOUN
ctmj-137	17	38	cards	card	NOUN
ctmj-137	17	39	for	for	ADP
ctmj-137	17	40	online	online	ADJ
ctmj-137	17	41	purchases	purchase	NOUN
ctmj-137	17	42	(	(	PUNCT
ctmj-137	17	43	about	about	ADV
ctmj-137	17	44	95	95	NUM
ctmj-137	17	45	%	%	NOUN
ctmj-137	17	46	of	of	ADP
ctmj-137	17	47	online	online	ADJ
ctmj-137	17	48	payments	payment	NOUN
ctmj-137	17	49	in	in	ADP
ctmj-137	17	50	the	the	DET
ctmj-137	17	51	us	we	PRON
ctmj-137	17	52	are	be	AUX
ctmj-137	17	53	done	do	VERB
ctmj-137	17	54	by	by	ADP
ctmj-137	17	55	credit	credit	NOUN
ctmj-137	17	56	card	card	NOUN
ctmj-137	17	57	)	)	PUNCT
ctmj-137	17	58	and	and	CCONJ
ctmj-137	17	59	the	the	DET
ctmj-137	17	60	failure	failure	NOUN
ctmj-137	17	61	of	of	ADP
ctmj-137	17	62	the	the	DET
ctmj-137	17	63	aforementioned	aforementioned	ADJ
ctmj-137	17	64	electronic	electronic	ADJ
ctmj-137	17	65	currency	currency	NOUN
ctmj-137	17	66	systems	system	NOUN
ctmj-137	17	67	led	lead	VERB
ctmj-137	17	68	to	to	ADP
ctmj-137	17	69	their	their	PRON
ctmj-137	17	70	development.the	development.the	DET
ctmj-137	17	71	authors	author	NOUN
ctmj-137	17	72	examine	examine	VERB
ctmj-137	17	73	the	the	DET
ctmj-137	17	74	influence	influence	NOUN
ctmj-137	17	75	of	of	ADP
ctmj-137	17	76	technical	technical	ADJ
ctmj-137	17	77	considerations	consideration	NOUN
ctmj-137	17	78	,	,	PUNCT
ctmj-137	17	79	economic	economic	ADJ
ctmj-137	17	80	,	,	PUNCT
ctmj-137	17	81	and	and	CCONJ
ctmj-137	17	82	social	social	ADJ
ctmj-137	17	83	aspects	aspect	NOUN
ctmj-137	17	84	on	on	ADP
ctmj-137	17	85	the	the	DET
ctmj-137	17	86	rise	rise	NOUN
ctmj-137	17	87	of	of	ADP
ctmj-137	17	88	online	online	ADJ
ctmj-137	17	89	payment	payment	NOUN
ctmj-137	17	90	methods	method	NOUN
ctmj-137	17	91	to	to	PART
ctmj-137	17	92	determine	determine	VERB
ctmj-137	17	93	whether	whether	SCONJ
ctmj-137	17	94	payment	payment	NOUN
ctmj-137	17	95	schemes	scheme	NOUN
ctmj-137	17	96	are	be	AUX
ctmj-137	17	97	suitable	suitable	ADJ
ctmj-137	17	98	for	for	ADP
ctmj-137	17	99	the	the	DET
ctmj-137	17	100	e	e	NOUN
ctmj-137	17	101	-	-	NOUN
ctmj-137	17	102	business	business	ADJ
ctmj-137	17	103	environment	environment	NOUN
ctmj-137	17	104	.	.	PUNCT
ctmj-137	18	1	khan	khan	PROPN
ctmj-137	18	2	et	et	PROPN
ctmj-137	18	3	al	al	PROPN
ctmj-137	18	4	.	.	PROPN
ctmj-137	19	1	(	(	PUNCT
ctmj-137	19	2	2017	2017	NUM
ctmj-137	19	3	)	)	PUNCT
ctmj-137	19	4	found	find	VERB
ctmj-137	19	5	that	that	SCONJ
ctmj-137	19	6	the	the	DET
ctmj-137	19	7	future	future	ADJ
ctmj-137	19	8	success	success	NOUN
ctmj-137	19	9	of	of	ADP
ctmj-137	19	10	online	online	ADJ
ctmj-137	19	11	payment	payment	NOUN
ctmj-137	19	12	systems	system	NOUN
ctmj-137	19	13	required	require	VERB
ctmj-137	19	14	improved	improved	ADJ
ctmj-137	19	15	integration	integration	NOUN
ctmj-137	19	16	with	with	ADP
ctmj-137	19	17	the	the	DET
ctmj-137	19	18	existing	exist	VERB
ctmj-137	19	19	financial	financial	ADJ
ctmj-137	19	20	and	and	CCONJ
ctmj-137	19	21	communications	communication	NOUN
ctmj-137	19	22	infrastructure	infrastructure	NOUN
ctmj-137	19	23	.	.	PUNCT
ctmj-137	20	1	they	they	PRON
ctmj-137	20	2	also	also	ADV
ctmj-137	20	3	discovered	discover	VERB
ctmj-137	20	4	that	that	SCONJ
ctmj-137	20	5	the	the	DET
ctmj-137	20	6	successful	successful	ADJ
ctmj-137	20	7	adoption	adoption	NOUN
ctmj-137	20	8	of	of	ADP
ctmj-137	20	9	online	online	ADJ
ctmj-137	20	10	payment	payment	NOUN
ctmj-137	20	11	systems	system	NOUN
ctmj-137	20	12	around	around	ADP
ctmj-137	20	13	the	the	DET
ctmj-137	20	14	globe	globe	NOUN
ctmj-137	20	15	may	may	AUX
ctmj-137	20	16	be	be	AUX
ctmj-137	20	17	due	due	ADJ
ctmj-137	20	18	in	in	ADP
ctmj-137	20	19	part	part	NOUN
ctmj-137	20	20	to	to	ADP
ctmj-137	20	21	the	the	DET
ctmj-137	20	22	legality	legality	NOUN
ctmj-137	20	23	of	of	ADP
ctmj-137	20	24	several	several	ADJ
ctmj-137	20	25	elements	element	NOUN
ctmj-137	20	26	.	.	PUNCT
ctmj-137	21	1	statement	statement	NOUN
ctmj-137	21	2	of	of	ADP
ctmj-137	21	3	the	the	DET
ctmj-137	21	4	problem	problem	NOUN
ctmj-137	21	5	both	both	DET
ctmj-137	21	6	consumers	consumer	NOUN
ctmj-137	21	7	and	and	CCONJ
ctmj-137	21	8	business	business	NOUN
ctmj-137	21	9	owners	owner	NOUN
ctmj-137	21	10	want	want	VERB
ctmj-137	21	11	their	their	PRON
ctmj-137	21	12	online	online	ADJ
ctmj-137	21	13	transactions	transaction	NOUN
ctmj-137	21	14	to	to	PART
ctmj-137	21	15	be	be	AUX
ctmj-137	21	16	simple	simple	ADJ
ctmj-137	21	17	,	,	PUNCT
ctmj-137	21	18	quick	quick	ADJ
ctmj-137	21	19	,	,	PUNCT
ctmj-137	21	20	and	and	CCONJ
ctmj-137	21	21	secure	secure	ADJ
ctmj-137	21	22	.	.	PUNCT
ctmj-137	22	1	complex	complex	ADJ
ctmj-137	22	2	automated	automate	VERB
ctmj-137	22	3	procedures	procedure	NOUN
ctmj-137	22	4	involving	involve	VERB
ctmj-137	22	5	intermediaries	intermediary	NOUN
ctmj-137	22	6	like	like	ADP
ctmj-137	22	7	banks	bank	NOUN
ctmj-137	22	8	and	and	CCONJ
ctmj-137	22	9	payment	payment	NOUN
ctmj-137	22	10	processors	processor	NOUN
ctmj-137	22	11	are	be	AUX
ctmj-137	22	12	set	set	VERB
ctmj-137	22	13	in	in	ADP
ctmj-137	22	14	motion	motion	NOUN
ctmj-137	22	15	by	by	ADP
ctmj-137	22	16	digital	digital	ADJ
ctmj-137	22	17	transactions	transaction	NOUN
ctmj-137	22	18	.	.	PUNCT
ctmj-137	23	1	competition	competition	NOUN
ctmj-137	23	2	among	among	ADP
ctmj-137	23	3	psps	psp	NOUN
ctmj-137	23	4	has	have	AUX
ctmj-137	23	5	increased	increase	VERB
ctmj-137	23	6	as	as	ADP
ctmj-137	23	7	new	new	ADJ
ctmj-137	23	8	technologies	technology	NOUN
ctmj-137	23	9	like	like	ADP
ctmj-137	23	10	smart	smart	ADJ
ctmj-137	23	11	phones	phone	NOUN
ctmj-137	23	12	and	and	CCONJ
ctmj-137	23	13	ewallets	ewallet	NOUN
ctmj-137	23	14	,	,	PUNCT
ctmj-137	23	15	as	as	ADV
ctmj-137	23	16	well	well	ADV
ctmj-137	23	17	as	as	ADP
ctmj-137	23	18	changes	change	NOUN
ctmj-137	23	19	in	in	ADP
ctmj-137	23	20	consumer	consumer	NOUN
ctmj-137	23	21	spending	spending	NOUN
ctmj-137	23	22	habits	habit	NOUN
ctmj-137	23	23	and	and	CCONJ
ctmj-137	23	24	the	the	DET
ctmj-137	23	25	need	need	NOUN
ctmj-137	23	26	for	for	ADP
ctmj-137	23	27	crossborder	crossborder	NOUN
ctmj-137	23	28	,	,	PUNCT
ctmj-137	23	29	multi	multi	ADJ
ctmj-137	23	30	-	-	ADJ
ctmj-137	23	31	currency	currency	ADJ
ctmj-137	23	32	electronic	electronic	ADJ
ctmj-137	23	33	payments	payment	NOUN
ctmj-137	23	34	,	,	PUNCT
ctmj-137	23	35	have	have	AUX
ctmj-137	23	36	entered	enter	VERB
ctmj-137	23	37	the	the	DET
ctmj-137	23	38	market	market	NOUN
ctmj-137	23	39	.	.	PUNCT
ctmj-137	24	1	online	online	ADJ
ctmj-137	24	2	payments	payment	NOUN
ctmj-137	24	3	may	may	AUX
ctmj-137	24	4	be	be	AUX
ctmj-137	24	5	made	make	VERB
ctmj-137	24	6	in	in	ADP
ctmj-137	24	7	a	a	DET
ctmj-137	24	8	variety	variety	NOUN
ctmj-137	24	9	of	of	ADP
ctmj-137	24	10	ways	way	NOUN
ctmj-137	24	11	,	,	PUNCT
ctmj-137	24	12	including	include	VERB
ctmj-137	24	13	upi	upi	PROPN
ctmj-137	24	14	,	,	PUNCT
ctmj-137	24	15	bank	bank	NOUN
ctmj-137	24	16	transfer	transfer	NOUN
ctmj-137	24	17	,	,	PUNCT
ctmj-137	24	18	debit	debit	NOUN
ctmj-137	24	19	/	/	SYM
ctmj-137	24	20	credit	credit	NOUN
ctmj-137	24	21	card	card	NOUN
ctmj-137	24	22	payments	payment	NOUN
ctmj-137	24	23	,	,	PUNCT
ctmj-137	24	24	mobile	mobile	ADJ
ctmj-137	24	25	wallets	wallet	NOUN
ctmj-137	24	26	,	,	PUNCT
ctmj-137	24	27	social	social	ADJ
ctmj-137	24	28	payments	payment	NOUN
ctmj-137	24	29	,	,	PUNCT
ctmj-137	24	30	and	and	CCONJ
ctmj-137	24	31	real	real	ADJ
ctmj-137	24	32	-	-	PUNCT
ctmj-137	24	33	time	time	NOUN
ctmj-137	24	34	,	,	PUNCT
ctmj-137	24	35	international	international	ADJ
ctmj-137	24	36	payments	payment	NOUN
ctmj-137	24	37	.	.	PUNCT
ctmj-137	25	1	while	while	SCONJ
ctmj-137	25	2	modern	modern	ADJ
ctmj-137	25	3	technology	technology	NOUN
ctmj-137	25	4	certainly	certainly	ADV
ctmj-137	25	5	has	have	VERB
ctmj-137	25	6	its	its	PRON
ctmj-137	25	7	advantages	advantage	NOUN
ctmj-137	25	8	,	,	PUNCT
ctmj-137	25	9	it	it	PRON
ctmj-137	25	10	also	also	ADV
ctmj-137	25	11	presents	present	VERB
ctmj-137	25	12	bigger	big	ADJ
ctmj-137	25	13	obstacles	obstacle	NOUN
ctmj-137	25	14	.	.	PUNCT
ctmj-137	26	1	customers	customer	NOUN
ctmj-137	26	2	still	still	ADV
ctmj-137	26	3	face	face	VERB
ctmj-137	26	4	unusual	unusual	ADJ
ctmj-137	26	5	problems	problem	NOUN
ctmj-137	26	6	sometimes	sometimes	ADV
ctmj-137	26	7	,	,	PUNCT
ctmj-137	26	8	despite	despite	SCONJ
ctmj-137	26	9	the	the	DET
ctmj-137	26	10	rapid	rapid	ADJ
ctmj-137	26	11	speed	speed	NOUN
ctmj-137	26	12	of	of	ADP
ctmj-137	26	13	technical	technical	ADJ
ctmj-137	26	14	advancements	advancement	NOUN
ctmj-137	26	15	.	.	PUNCT
ctmj-137	27	1	nonetheless	nonetheless	ADV
ctmj-137	27	2	,	,	PUNCT
ctmj-137	27	3	there	there	PRON
ctmj-137	27	4	are	be	VERB
ctmj-137	27	5	more	more	ADV
ctmj-137	27	6	and	and	CCONJ
ctmj-137	27	7	more	more	ADJ
ctmj-137	27	8	individuals	individual	NOUN
ctmj-137	27	9	who	who	PRON
ctmj-137	27	10	are	be	AUX
ctmj-137	27	11	always	always	ADV
ctmj-137	27	12	pressed	press	VERB
ctmj-137	27	13	for	for	ADP
ctmj-137	27	14	time	time	NOUN
ctmj-137	27	15	.	.	PUNCT
ctmj-137	28	1	customers	customer	NOUN
ctmj-137	28	2	now	now	ADV
ctmj-137	28	3	have	have	VERB
ctmj-137	28	4	a	a	DET
ctmj-137	28	5	convenient	convenient	ADJ
ctmj-137	28	6	option	option	NOUN
ctmj-137	28	7	in	in	ADP
ctmj-137	28	8	online	online	ADJ
ctmj-137	28	9	bill	bill	NOUN
ctmj-137	28	10	paying.gas	paying.gas	ADJ
ctmj-137	28	11	,	,	PUNCT
ctmj-137	28	12	water	water	NOUN
ctmj-137	28	13	,	,	PUNCT
ctmj-137	28	14	and	and	CCONJ
ctmj-137	28	15	electricity	electricity	NOUN
ctmj-137	28	16	are	be	AUX
ctmj-137	28	17	the	the	DET
ctmj-137	28	18	three	three	NUM
ctmj-137	28	19	primary	primary	ADJ
ctmj-137	28	20	utilities	utility	NOUN
ctmj-137	28	21	.	.	PUNCT
ctmj-137	29	1	customers	customer	NOUN
ctmj-137	29	2	may	may	AUX
ctmj-137	29	3	use	use	VERB
ctmj-137	29	4	their	their	PRON
ctmj-137	29	5	e	e	NOUN
ctmj-137	29	6	-	-	NOUN
ctmj-137	29	7	wallets	wallet	NOUN
ctmj-137	29	8	to	to	PART
ctmj-137	29	9	pay	pay	VERB
ctmj-137	29	10	their	their	PRON
ctmj-137	29	11	electric	electric	ADJ
ctmj-137	29	12	,	,	PUNCT
ctmj-137	29	13	water	water	NOUN
ctmj-137	29	14	,	,	PUNCT
ctmj-137	29	15	gas	gas	NOUN
ctmj-137	29	16	,	,	PUNCT
ctmj-137	29	17	and	and	CCONJ
ctmj-137	29	18	phone	phone	NOUN
ctmj-137	29	19	bills	bill	NOUN
ctmj-137	29	20	.	.	PUNCT
ctmj-137	30	1	the	the	DET
ctmj-137	30	2	commission	commission	NOUN
ctmj-137	30	3	earned	earn	VERB
ctmj-137	30	4	from	from	ADP
ctmj-137	30	5	each	each	DET
ctmj-137	30	6	bill	bill	NOUN
ctmj-137	30	7	payment	payment	NOUN
ctmj-137	30	8	made	make	VERB
ctmj-137	30	9	by	by	ADP
ctmj-137	30	10	the	the	DET
ctmj-137	30	11	client	client	NOUN
ctmj-137	30	12	is	be	AUX
ctmj-137	30	13	unlimited	unlimited	ADJ
ctmj-137	30	14	.	.	PUNCT
ctmj-137	31	1	people	people	NOUN
ctmj-137	31	2	would	would	AUX
ctmj-137	31	3	no	no	ADV
ctmj-137	31	4	longer	long	ADV
ctmj-137	31	5	have	have	VERB
ctmj-137	31	6	to	to	PART
ctmj-137	31	7	wait	wait	VERB
ctmj-137	31	8	in	in	ADP
ctmj-137	31	9	enormous	enormous	ADJ
ctmj-137	31	10	lines	line	NOUN
ctmj-137	31	11	to	to	PART
ctmj-137	31	12	take	take	VERB
ctmj-137	31	13	care	care	NOUN
ctmj-137	31	14	of	of	ADP
ctmj-137	31	15	their	their	PRON
ctmj-137	31	16	most	most	ADV
ctmj-137	31	17	basic	basic	ADJ
ctmj-137	31	18	monetary	monetary	ADJ
ctmj-137	31	19	obligations	obligation	NOUN
ctmj-137	31	20	.	.	PUNCT
ctmj-137	32	1	when	when	SCONJ
ctmj-137	32	2	a	a	DET
ctmj-137	32	3	consumer	consumer	NOUN
ctmj-137	32	4	pays	pay	VERB
ctmj-137	32	5	their	their	PRON
ctmj-137	32	6	bill	bill	NOUN
ctmj-137	32	7	for	for	ADP
ctmj-137	32	8	utility	utility	NOUN
ctmj-137	32	9	services	service	NOUN
ctmj-137	32	10	they	they	PRON
ctmj-137	32	11	have	have	AUX
ctmj-137	32	12	received	receive	VERB
ctmj-137	32	13	from	from	ADP
ctmj-137	32	14	a	a	DET
ctmj-137	32	15	certain	certain	ADJ
ctmj-137	32	16	provider	provider	NOUN
ctmj-137	32	17	over	over	ADP
ctmj-137	32	18	the	the	DET
ctmj-137	32	19	internet	internet	NOUN
ctmj-137	32	20	,	,	PUNCT
ctmj-137	32	21	they	they	PRON
ctmj-137	32	22	are	be	AUX
ctmj-137	32	23	making	make	VERB
ctmj-137	32	24	an	an	DET
ctmj-137	32	25	online	online	ADJ
ctmj-137	32	26	utility	utility	NOUN
ctmj-137	32	27	bill	bill	NOUN
ctmj-137	32	28	payment	payment	NOUN
ctmj-137	32	29	.	.	PUNCT
ctmj-137	33	1	customers	customer	NOUN
ctmj-137	33	2	may	may	AUX
ctmj-137	33	3	save	save	VERB
ctmj-137	33	4	time	time	NOUN
ctmj-137	33	5	,	,	PUNCT
ctmj-137	33	6	energy	energy	NOUN
ctmj-137	33	7	,	,	PUNCT
ctmj-137	33	8	and	and	CCONJ
ctmj-137	33	9	money	money	NOUN
ctmj-137	33	10	by	by	ADP
ctmj-137	33	11	paying	pay	VERB
ctmj-137	33	12	their	their	PRON
ctmj-137	33	13	utility	utility	NOUN
ctmj-137	33	14	bills	bill	NOUN
ctmj-137	33	15	online	online	ADV
ctmj-137	33	16	,	,	PUNCT
ctmj-137	33	17	where	where	SCONJ
ctmj-137	33	18	there	there	PRON
ctmj-137	33	19	are	be	VERB
ctmj-137	33	20	no	no	DET
ctmj-137	33	21	lines	line	NOUN
ctmj-137	33	22	,	,	PUNCT
ctmj-137	33	23	no	no	DET
ctmj-137	33	24	wait	wait	NOUN
ctmj-137	33	25	times	time	NOUN
ctmj-137	33	26	,	,	PUNCT
ctmj-137	33	27	and	and	CCONJ
ctmj-137	33	28	no	no	DET
ctmj-137	33	29	parking	parking	NOUN
ctmj-137	33	30	hassles	hassle	NOUN
ctmj-137	33	31	.	.	PUNCT
ctmj-137	34	1	online	online	ADJ
ctmj-137	34	2	payment	payment	NOUN
ctmj-137	34	3	is	be	AUX
ctmj-137	34	4	becoming	become	VERB
ctmj-137	34	5	more	more	ADV
ctmj-137	34	6	popular	popular	ADJ
ctmj-137	34	7	as	as	ADP
ctmj-137	34	8	a	a	DET
ctmj-137	34	9	result	result	NOUN
ctmj-137	34	10	of	of	ADP
ctmj-137	34	11	its	its	PRON
ctmj-137	34	12	accessibility	accessibility	NOUN
ctmj-137	34	13	and	and	CCONJ
ctmj-137	34	14	simplicity	simplicity	NOUN
ctmj-137	34	15	.	.	PUNCT
ctmj-137	35	1	the	the	DET
ctmj-137	35	2	convenience	convenience	NOUN
ctmj-137	35	3	and	and	CCONJ
ctmj-137	35	4	speed	speed	NOUN
ctmj-137	35	5	of	of	ADP
ctmj-137	35	6	making	make	VERB
ctmj-137	35	7	payments	payment	NOUN
ctmj-137	35	8	online	online	ADV
ctmj-137	35	9	have	have	AUX
ctmj-137	35	10	led	lead	VERB
ctmj-137	35	11	to	to	ADP
ctmj-137	35	12	their	their	PRON
ctmj-137	35	13	widespread	widespread	ADJ
ctmj-137	35	14	adoption	adoption	NOUN
ctmj-137	35	15	,	,	PUNCT
ctmj-137	35	16	but	but	CCONJ
ctmj-137	35	17	the	the	DET
ctmj-137	35	18	process	process	NOUN
ctmj-137	35	19	is	be	AUX
ctmj-137	35	20	not	not	PART
ctmj-137	35	21	without	without	ADP
ctmj-137	35	22	its	its	PRON
ctmj-137	35	23	problems	problem	NOUN
ctmj-137	35	24	.	.	PUNCT
ctmj-137	36	1	there	there	PRON
ctmj-137	36	2	is	be	VERB
ctmj-137	36	3	still	still	ADV
ctmj-137	36	4	a	a	DET
ctmj-137	36	5	sizable	sizable	ADJ
ctmj-137	36	6	customer	customer	NOUN
ctmj-137	36	7	base	base	NOUN
ctmj-137	36	8	that	that	PRON
ctmj-137	36	9	is	be	AUX
ctmj-137	36	10	unwilling	unwilling	ADJ
ctmj-137	36	11	to	to	PART
ctmj-137	36	12	switch	switch	VERB
ctmj-137	36	13	to	to	ADP
ctmj-137	36	14	an	an	DET
ctmj-137	36	15	online	online	ADJ
ctmj-137	36	16	complaint	complaint	NOUN
ctmj-137	36	17	system	system	NOUN
ctmj-137	36	18	,	,	PUNCT
ctmj-137	36	19	outage	outage	NOUN
ctmj-137	36	20	alerts	alert	NOUN
ctmj-137	36	21	,	,	PUNCT
ctmj-137	36	22	technician	technician	ADJ
ctmj-137	36	23	visit	visit	NOUN
ctmj-137	36	24	notifications	notification	NOUN
ctmj-137	36	25	,	,	PUNCT
ctmj-137	36	26	self	self	NOUN
ctmj-137	36	27	-	-	PUNCT
ctmj-137	36	28	service	service	NOUN
ctmj-137	36	29	,	,	PUNCT
ctmj-137	36	30	or	or	CCONJ
ctmj-137	36	31	multi	multi	ADJ
ctmj-137	36	32	-	-	ADJ
ctmj-137	36	33	channel	channel	ADJ
ctmj-137	36	34	deployment	deployment	NOUN
ctmj-137	36	35	.	.	PUNCT
ctmj-137	37	1	the	the	DET
ctmj-137	37	2	research	research	NOUN
ctmj-137	37	3	will	will	AUX
ctmj-137	37	4	provide	provide	VERB
ctmj-137	37	5	light	light	NOUN
ctmj-137	37	6	on	on	ADP
ctmj-137	37	7	the	the	DET
ctmj-137	37	8	difficulties	difficulty	NOUN
ctmj-137	37	9	and	and	CCONJ
ctmj-137	37	10	issues	issue	NOUN
ctmj-137	37	11	that	that	PRON
ctmj-137	37	12	a	a	DET
ctmj-137	37	13	subset	subset	NOUN
ctmj-137	37	14	of	of	ADP
ctmj-137	37	15	respondents	respondent	NOUN
ctmj-137	37	16	have	have	AUX
ctmj-137	37	17	encountered	encounter	VERB
ctmj-137	37	18	while	while	SCONJ
ctmj-137	37	19	making	make	VERB
ctmj-137	37	20	purchases	purchase	NOUN
ctmj-137	37	21	online	online	ADV
ctmj-137	37	22	.	.	PUNCT
ctmj-137	38	1	as	as	ADP
ctmj-137	38	2	a	a	DET
ctmj-137	38	3	result	result	NOUN
ctmj-137	38	4	,	,	PUNCT
ctmj-137	38	5	the	the	DET
ctmj-137	38	6	study	study	NOUN
ctmj-137	38	7	set	set	VERB
ctmj-137	38	8	out	out	ADP
ctmj-137	38	9	to	to	PART
ctmj-137	38	10	identify	identify	VERB
ctmj-137	38	11	a	a	DET
ctmj-137	38	12	wide	wide	ADJ
ctmj-137	38	13	range	range	NOUN
ctmj-137	38	14	of	of	ADP
ctmj-137	38	15	benefits	benefit	NOUN
ctmj-137	38	16	associated	associate	VERB
ctmj-137	38	17	with	with	ADP
ctmj-137	38	18	electronic	electronic	ADJ
ctmj-137	38	19	transactions	transaction	NOUN
ctmj-137	38	20	.	.	PUNCT
ctmj-137	39	1	objectives	objective	NOUN
ctmj-137	39	2	1	1	NUM
ctmj-137	39	3	.	.	PUNCT
ctmj-137	39	4	to	to	PART
ctmj-137	39	5	study	study	VERB
ctmj-137	39	6	the	the	DET
ctmj-137	39	7	customer	customer	NOUN
ctmj-137	39	8	’s	’s	PART
ctmj-137	39	9	perception	perception	NOUN
ctmj-137	39	10	towards	towards	ADP
ctmj-137	39	11	online	online	ADJ
ctmj-137	39	12	payments	payment	NOUN
ctmj-137	39	13	.	.	PUNCT
ctmj-137	40	1	2	2	X
ctmj-137	40	2	.	.	PUNCT
ctmj-137	40	3	to	to	PART
ctmj-137	40	4	analyze	analyze	VERB
ctmj-137	40	5	the	the	DET
ctmj-137	40	6	utilities	utility	NOUN
ctmj-137	40	7	towards	towards	ADP
ctmj-137	40	8	online	online	ADJ
ctmj-137	40	9	payments	payment	NOUN
ctmj-137	40	10	.	.	PUNCT
ctmj-137	41	1	3	3	X
ctmj-137	41	2	.	.	PUNCT
ctmj-137	41	3	to	to	PART
ctmj-137	41	4	analyze	analyze	VERB
ctmj-137	41	5	the	the	DET
ctmj-137	41	6	prospects	prospect	NOUN
ctmj-137	41	7	and	and	CCONJ
ctmj-137	41	8	problems	problem	NOUN
ctmj-137	41	9	in	in	ADP
ctmj-137	41	10	online	online	ADJ
ctmj-137	41	11	payments	payment	NOUN
ctmj-137	41	12	methodology	methodology	NOUN
ctmj-137	41	13	and	and	CCONJ
ctmj-137	41	14	sampling	sample	VERB
ctmj-137	41	15	design	design	NOUN
ctmj-137	41	16	sample	sample	NOUN
ctmj-137	41	17	of	of	ADP
ctmj-137	41	18	50	50	NUM
ctmj-137	41	19	respondents	respondent	NOUN
ctmj-137	41	20	were	be	AUX
ctmj-137	41	21	selected	select	VERB
ctmj-137	41	22	from	from	ADP
ctmj-137	41	23	madurai	madurai	PROPN
ctmj-137	41	24	district	district	NOUN
ctmj-137	41	25	for	for	ADP
ctmj-137	41	26	this	this	DET
ctmj-137	41	27	study	study	NOUN
ctmj-137	41	28	.	.	PUNCT
ctmj-137	42	1	the	the	DET
ctmj-137	42	2	study	study	NOUN
ctmj-137	42	3	has	have	AUX
ctmj-137	42	4	been	be	AUX
ctmj-137	42	5	made	make	VERB
ctmj-137	42	6	as	as	ADP
ctmj-137	42	7	a	a	DET
ctmj-137	42	8	descriptive	descriptive	ADJ
ctmj-137	42	9	research	research	NOUN
ctmj-137	42	10	.	.	PUNCT
ctmj-137	43	1	the	the	DET
ctmj-137	43	2	sampling	sample	VERB
ctmj-137	43	3	design	design	NOUN
ctmj-137	43	4	adopted	adopt	VERB
ctmj-137	43	5	for	for	ADP
ctmj-137	43	6	this	this	DET
ctmj-137	43	7	study	study	NOUN
ctmj-137	43	8	is	be	AUX
ctmj-137	43	9	proportionate	proportionate	ADJ
ctmj-137	43	10	random	random	ADJ
ctmj-137	43	11	sampling	sampling	NOUN
ctmj-137	43	12	.	.	PUNCT
ctmj-137	44	1	questionnaire	questionnaire	NOUN
ctmj-137	44	2	was	be	AUX
ctmj-137	44	3	used	use	VERB
ctmj-137	44	4	to	to	PART
ctmj-137	44	5	collect	collect	VERB
ctmj-137	44	6	the	the	DET
ctmj-137	44	7	primary	primary	ADJ
ctmj-137	44	8	data	datum	NOUN
ctmj-137	44	9	and	and	CCONJ
ctmj-137	44	10	the	the	DET
ctmj-137	44	11	secondary	secondary	ADJ
ctmj-137	44	12	data	datum	NOUN
ctmj-137	44	13	was	be	AUX
ctmj-137	44	14	collected	collect	VERB
ctmj-137	44	15	from	from	ADP
ctmj-137	44	16	books	book	NOUN
ctmj-137	44	17	,	,	PUNCT
ctmj-137	44	18	journals	journal	NOUN
ctmj-137	44	19	and	and	CCONJ
ctmj-137	44	20	websites	website	NOUN
ctmj-137	44	21	etc	etc	X
ctmj-137	44	22	.	.	X
ctmj-137	44	23	table	table	NOUN
ctmj-137	44	24	1.1	1.1	NUM
ctmj-137	44	25	level	level	NOUN
ctmj-137	44	26	of	of	ADP
ctmj-137	44	27	acceptance	acceptance	NOUN
ctmj-137	44	28	of	of	ADP
ctmj-137	44	29	respondents	respondent	NOUN
ctmj-137	44	30	towards	towards	ADP
ctmj-137	44	31	online	online	ADJ
ctmj-137	44	32	payments	payment	NOUN
ctmj-137	44	33	levels	level	NOUN
ctmj-137	44	34	number	number	NOUN
ctmj-137	44	35	of	of	ADP
ctmj-137	44	36	respondents	respondent	NOUN
ctmj-137	44	37	percentage	percentage	NOUN
ctmj-137	44	38	(	(	PUNCT
ctmj-137	44	39	%	%	INTJ
ctmj-137	44	40	)	)	PUNCT
ctmj-137	44	41	low	low	ADJ
ctmj-137	44	42	6	6	NUM
ctmj-137	44	43	12	12	NUM
ctmj-137	44	44	medium	medium	NOUN
ctmj-137	44	45	12	12	NUM
ctmj-137	44	46	24	24	NUM
ctmj-137	44	47	high	high	ADJ
ctmj-137	44	48	32	32	NUM
ctmj-137	44	49	64	64	NUM
ctmj-137	44	50	total	total	NOUN
ctmj-137	44	51	50	50	NUM
ctmj-137	44	52	100	100	NUM
ctmj-137	44	53	source	source	NOUN
ctmj-137	44	54	:	:	PUNCT
ctmj-137	44	55	primary	primary	ADJ
ctmj-137	44	56	data	datum	NOUN
ctmj-137	44	57	it	it	PRON
ctmj-137	44	58	is	be	AUX
ctmj-137	44	59	clear	clear	ADJ
ctmj-137	44	60	from	from	ADP
ctmj-137	44	61	the	the	DET
ctmj-137	44	62	table	table	NOUN
ctmj-137	44	63	1.1	1.1	NUM
ctmj-137	44	64	that	that	PRON
ctmj-137	44	65	out	out	ADP
ctmj-137	44	66	of	of	ADP
ctmj-137	44	67	the	the	DET
ctmj-137	44	68	total	total	ADJ
ctmj-137	44	69	respondents	respondent	NOUN
ctmj-137	44	70	taken	take	VERB
ctmj-137	44	71	for	for	ADP
ctmj-137	44	72	the	the	DET
ctmj-137	44	73	study	study	NOUN
ctmj-137	44	74	,	,	PUNCT
ctmj-137	44	75	12	12	NUM
ctmj-137	44	76	percent	percent	NOUN
ctmj-137	44	77	of	of	ADP
ctmj-137	44	78	the	the	DET
ctmj-137	44	79	respondents	respondent	NOUN
ctmj-137	44	80	are	be	AUX
ctmj-137	44	81	in	in	ADP
ctmj-137	44	82	low	low	ADJ
ctmj-137	44	83	level	level	NOUN
ctmj-137	44	84	acceptance	acceptance	NOUN
ctmj-137	44	85	,	,	PUNCT
ctmj-137	44	86	24	24	NUM
ctmj-137	44	87	percent	percent	NOUN
ctmj-137	44	88	of	of	ADP
ctmj-137	44	89	the	the	DET
ctmj-137	44	90	respondents	respondent	NOUN
ctmj-137	44	91	are	be	AUX
ctmj-137	44	92	in	in	ADP
ctmj-137	44	93	medium	medium	ADJ
ctmj-137	44	94	level	level	NOUN
ctmj-137	44	95	acceptance	acceptance	NOUN
ctmj-137	44	96	and	and	CCONJ
ctmj-137	44	97	the	the	DET
ctmj-137	44	98	64	64	NUM
ctmj-137	44	99	percent	percent	NOUN
ctmj-137	44	100	of	of	ADP
ctmj-137	44	101	the	the	DET
ctmj-137	44	102	respondents	respondent	NOUN
ctmj-137	44	103	are	be	AUX
ctmj-137	44	104	in	in	ADP
ctmj-137	44	105	high	high	ADJ
ctmj-137	44	106	level	level	NOUN
ctmj-137	44	107	acceptance	acceptance	NOUN
ctmj-137	44	108	towards	towards	ADP
ctmj-137	44	109	online	online	ADJ
ctmj-137	44	110	payments	payment	NOUN
ctmj-137	44	111	.	.	PUNCT
ctmj-137	45	1	table	table	NOUN
ctmj-137	45	2	1.2	1.2	NUM
ctmj-137	45	3	cutomers	cutomer	NOUN
ctmj-137	45	4	perceptions	perception	NOUN
ctmj-137	45	5	towards	towards	ADP
ctmj-137	45	6	online	online	ADJ
ctmj-137	45	7	payments	payment	NOUN
ctmj-137	45	8	perceptions	perception	NOUN
ctmj-137	45	9	number	number	NOUN
ctmj-137	45	10	of	of	ADP
ctmj-137	45	11	respondents	respondent	NOUN
ctmj-137	45	12	percentage	percentage	NOUN
ctmj-137	45	13	(	(	PUNCT
ctmj-137	45	14	%	%	INTJ
ctmj-137	45	15	)	)	PUNCT
ctmj-137	45	16	safe	safe	ADJ
ctmj-137	45	17	&	&	CCONJ
ctmj-137	45	18	secure	secure	ADJ
ctmj-137	45	19	14	14	NUM
ctmj-137	45	20	28	28	NUM
ctmj-137	45	21	convenience	convenience	NOUN
ctmj-137	45	22	11	11	NUM
ctmj-137	45	23	22	22	NUM
ctmj-137	45	24	privacy	privacy	NOUN
ctmj-137	45	25	7	7	NUM
ctmj-137	45	26	14	14	NUM
ctmj-137	45	27	payment	payment	NOUN
ctmj-137	45	28	on	on	ADP
ctmj-137	45	29	timing	time	VERB
ctmj-137	45	30	13	13	NUM
ctmj-137	45	31	26	26	NUM
ctmj-137	45	32	record	record	NOUN
ctmj-137	45	33	keeping	keep	VERB
ctmj-137	45	34	5	5	NUM
ctmj-137	45	35	10	10	NUM
ctmj-137	45	36	total	total	NOUN
ctmj-137	45	37	50	50	NUM
ctmj-137	45	38	100	100	NUM
ctmj-137	45	39	source	source	NOUN
ctmj-137	45	40	:	:	PUNCT
ctmj-137	45	41	primary	primary	ADJ
ctmj-137	45	42	data	datum	NOUN
ctmj-137	45	43	it	it	PRON
ctmj-137	45	44	is	be	AUX
ctmj-137	45	45	analyzed	analyze	VERB
ctmj-137	45	46	from	from	ADP
ctmj-137	45	47	the	the	DET
ctmj-137	45	48	table	table	NOUN
ctmj-137	45	49	1.2	1.2	NUM
ctmj-137	45	50	that	that	DET
ctmj-137	45	51	out	out	ADP
ctmj-137	45	52	of	of	ADP
ctmj-137	45	53	the	the	DET
ctmj-137	45	54	total	total	ADJ
ctmj-137	45	55	respondents	respondent	NOUN
ctmj-137	45	56	taken	take	VERB
ctmj-137	45	57	for	for	ADP
ctmj-137	45	58	the	the	DET
ctmj-137	45	59	study	study	NOUN
ctmj-137	45	60	,	,	PUNCT
ctmj-137	45	61	28	28	NUM
ctmj-137	45	62	percent	percent	NOUN
ctmj-137	45	63	of	of	ADP
ctmj-137	45	64	the	the	DET
ctmj-137	45	65	respondents	respondent	NOUN
ctmj-137	45	66	said	say	VERB
ctmj-137	45	67	that	that	SCONJ
ctmj-137	45	68	safe	safe	ADJ
ctmj-137	45	69	and	and	CCONJ
ctmj-137	45	70	secure	secure	ADJ
ctmj-137	45	71	,	,	PUNCT
ctmj-137	45	72	22	22	NUM
ctmj-137	45	73	percent	percent	NOUN
ctmj-137	45	74	of	of	ADP
ctmj-137	45	75	the	the	DET
ctmj-137	45	76	respondents	respondent	NOUN
ctmj-137	45	77	under	under	ADP
ctmj-137	45	78	convenience	convenience	NOUN
ctmj-137	45	79	,	,	PUNCT
ctmj-137	45	80	14	14	NUM
ctmj-137	45	81	percent	percent	NOUN
ctmj-137	45	82	of	of	ADP
ctmj-137	45	83	the	the	DET
ctmj-137	45	84	respondents	respondent	NOUN
ctmj-137	45	85	under	under	ADP
ctmj-137	45	86	privacy	privacy	NOUN
ctmj-137	45	87	,	,	PUNCT
ctmj-137	45	88	26	26	NUM
ctmj-137	45	89	percent	percent	NOUN
ctmj-137	45	90	of	of	ADP
ctmj-137	45	91	the	the	DET
ctmj-137	45	92	respondents	respondent	NOUN
ctmj-137	45	93	under	under	ADP
ctmj-137	45	94	payment	payment	NOUN
ctmj-137	45	95	on	on	ADP
ctmj-137	45	96	timing	timing	NOUN
ctmj-137	45	97	and	and	CCONJ
ctmj-137	45	98	10	10	NUM
ctmj-137	45	99	percent	percent	NOUN
ctmj-137	45	100	of	of	ADP
ctmj-137	45	101	the	the	DET
ctmj-137	45	102	respondents	respondent	NOUN
ctmj-137	45	103	under	under	ADP
ctmj-137	45	104	record	record	NOUN
ctmj-137	45	105	keeping	keeping	NOUN
ctmj-137	45	106	.	.	PUNCT
ctmj-137	46	1	table	table	NOUN
ctmj-137	46	2	1.3	1.3	NUM
ctmj-137	46	3	cutomers	cutomer	NOUN
ctmj-137	46	4	faceing	face	VERB
ctmj-137	46	5	problems	problem	NOUN
ctmj-137	46	6	in	in	ADP
ctmj-137	46	7	online	online	ADJ
ctmj-137	46	8	payments	payment	NOUN
ctmj-137	46	9	problems	problem	NOUN
ctmj-137	46	10	number	number	NOUN
ctmj-137	46	11	of	of	ADP
ctmj-137	46	12	respondents	respondent	NOUN
ctmj-137	46	13	percentage	percentage	NOUN
ctmj-137	46	14	(	(	PUNCT
ctmj-137	46	15	%	%	INTJ
ctmj-137	46	16	)	)	PUNCT
ctmj-137	46	17	fraud	fraud	NOUN
ctmj-137	46	18	9	9	NUM
ctmj-137	46	19	18	18	NUM
ctmj-137	46	20	low	low	ADJ
ctmj-137	46	21	security	security	NOUN
ctmj-137	46	22	11	11	NUM
ctmj-137	46	23	22	22	NUM
ctmj-137	46	24	step	step	NOUN
ctmj-137	46	25	by	by	ADP
ctmj-137	46	26	step	step	NOUN
ctmj-137	46	27	processing	process	VERB
ctmj-137	46	28	18	18	NUM
ctmj-137	46	29	36	36	NUM
ctmj-137	46	30	technical	technical	ADJ
ctmj-137	46	31	integration	integration	NOUN
ctmj-137	46	32	12	12	NUM
ctmj-137	46	33	24	24	NUM
ctmj-137	46	34	total	total	NOUN
ctmj-137	46	35	50	50	NUM
ctmj-137	46	36	100	100	NUM
ctmj-137	46	37	source	source	NOUN
ctmj-137	46	38	:	:	PUNCT
ctmj-137	46	39	primary	primary	ADJ
ctmj-137	46	40	data	datum	NOUN
ctmj-137	46	41	it	it	PRON
ctmj-137	46	42	is	be	AUX
ctmj-137	46	43	examined	examine	VERB
ctmj-137	46	44	from	from	ADP
ctmj-137	46	45	the	the	DET
ctmj-137	46	46	table	table	NOUN
ctmj-137	46	47	1.3	1.3	NUM
ctmj-137	46	48	that	that	PRON
ctmj-137	46	49	out	out	ADP
ctmj-137	46	50	of	of	ADP
ctmj-137	46	51	the	the	DET
ctmj-137	46	52	total	total	ADJ
ctmj-137	46	53	respondents	respondent	NOUN
ctmj-137	46	54	taken	take	VERB
ctmj-137	46	55	for	for	ADP
ctmj-137	46	56	the	the	DET
ctmj-137	46	57	study	study	NOUN
ctmj-137	46	58	,	,	PUNCT
ctmj-137	46	59	18	18	NUM
ctmj-137	46	60	percent	percent	NOUN
ctmj-137	46	61	of	of	ADP
ctmj-137	46	62	the	the	DET
ctmj-137	46	63	respondents	respondent	NOUN
ctmj-137	46	64	stated	state	VERB
ctmj-137	46	65	that	that	SCONJ
ctmj-137	46	66	the	the	DET
ctmj-137	46	67	problems	problem	NOUN
ctmj-137	46	68	were	be	AUX
ctmj-137	46	69	fraud	fraud	NOUN
ctmj-137	46	70	,	,	PUNCT
ctmj-137	46	71	22	22	NUM
ctmj-137	46	72	percent	percent	NOUN
ctmj-137	46	73	of	of	ADP
ctmj-137	46	74	the	the	DET
ctmj-137	46	75	respondents	respondent	NOUN
ctmj-137	46	76	under	under	ADP
ctmj-137	46	77	low	low	ADJ
ctmj-137	46	78	security	security	NOUN
ctmj-137	46	79	,	,	PUNCT
ctmj-137	46	80	36	36	NUM
ctmj-137	46	81	percent	percent	NOUN
ctmj-137	46	82	of	of	ADP
ctmj-137	46	83	the	the	DET
ctmj-137	46	84	respondents	respondent	NOUN
ctmj-137	46	85	under	under	ADP
ctmj-137	46	86	step	step	NOUN
ctmj-137	46	87	by	by	ADP
ctmj-137	46	88	step	step	NOUN
ctmj-137	46	89	processing	processing	NOUN
ctmj-137	46	90	and	and	CCONJ
ctmj-137	46	91	24percent	24percent	NUM
ctmj-137	46	92	of	of	ADP
ctmj-137	46	93	the	the	DET
ctmj-137	46	94	respondents	respondent	NOUN
ctmj-137	46	95	under	under	ADP
ctmj-137	46	96	technical	technical	ADJ
ctmj-137	46	97	integration	integration	NOUN
ctmj-137	46	98	.	.	PUNCT
ctmj-137	47	1	table	table	NOUN
ctmj-137	47	2	1.4	1.4	NUM
ctmj-137	47	3	cutomers	cutomer	NOUN
ctmj-137	47	4	utilities	utility	NOUN
ctmj-137	47	5	towards	towards	ADP
ctmj-137	47	6	online	online	ADJ
ctmj-137	47	7	payments	payment	NOUN
ctmj-137	47	8	services	service	NOUN
ctmj-137	47	9	number	number	NOUN
ctmj-137	47	10	of	of	ADP
ctmj-137	47	11	respondents	respondent	NOUN
ctmj-137	47	12	percentage	percentage	NOUN
ctmj-137	47	13	(	(	PUNCT
ctmj-137	47	14	%	%	NOUN
ctmj-137	47	15	)	)	PUNCT
ctmj-137	47	16	prepaid	prepaid	PROPN
ctmj-137	47	17	&	&	CCONJ
ctmj-137	47	18	post	post	ADJ
ctmj-137	47	19	paid	pay	VERB
ctmj-137	47	20	mobile	mobile	ADJ
ctmj-137	47	21	recharge	recharge	NOUN
ctmj-137	47	22	8	8	NUM
ctmj-137	47	23	16	16	NUM
ctmj-137	47	24	electricity	electricity	NOUN
ctmj-137	47	25	bill	bill	NOUN
ctmj-137	47	26	payments	payment	VERB
ctmj-137	47	27	15	15	NUM
ctmj-137	47	28	30	30	NUM
ctmj-137	47	29	gas	gas	NOUN
ctmj-137	47	30	bill	bill	NOUN
ctmj-137	47	31	payments	payment	NOUN
ctmj-137	47	32	20	20	NUM
ctmj-137	47	33	40	40	NUM
ctmj-137	47	34	online	online	ADJ
ctmj-137	47	35	shopping	shop	VERB
ctmj-137	47	36	7	7	NUM
ctmj-137	47	37	14	14	NUM
ctmj-137	47	38	total	total	NOUN
ctmj-137	47	39	50	50	NUM
ctmj-137	47	40	100	100	NUM
ctmj-137	47	41	source	source	NOUN
ctmj-137	47	42	:	:	PUNCT
ctmj-137	47	43	primary	primary	ADJ
ctmj-137	47	44	data	datum	NOUN
ctmj-137	47	45	it	it	PRON
ctmj-137	47	46	is	be	AUX
ctmj-137	47	47	clear	clear	ADJ
ctmj-137	47	48	from	from	ADP
ctmj-137	47	49	the	the	DET
ctmj-137	47	50	table	table	NOUN
ctmj-137	47	51	1.4	1.4	NUM
ctmj-137	47	52	that	that	PRON
ctmj-137	47	53	out	out	ADP
ctmj-137	47	54	of	of	ADP
ctmj-137	47	55	the	the	DET
ctmj-137	47	56	total	total	ADJ
ctmj-137	47	57	respondents	respondent	NOUN
ctmj-137	47	58	taken	take	VERB
ctmj-137	47	59	for	for	ADP
ctmj-137	47	60	the	the	DET
ctmj-137	47	61	study	study	NOUN
ctmj-137	47	62	,	,	PUNCT
ctmj-137	47	63	16	16	NUM
ctmj-137	47	64	percent	percent	NOUN
ctmj-137	47	65	of	of	ADP
ctmj-137	47	66	the	the	DET
ctmj-137	47	67	respondents	respondent	NOUN
ctmj-137	47	68	preferred	prefer	VERB
ctmj-137	47	69	for	for	ADP
ctmj-137	47	70	prepaid	prepaid	ADJ
ctmj-137	47	71	and	and	CCONJ
ctmj-137	47	72	post	post	ADJ
ctmj-137	47	73	paid	pay	VERB
ctmj-137	47	74	mobile	mobile	ADJ
ctmj-137	47	75	recharge	recharge	NOUN
ctmj-137	47	76	,	,	PUNCT
ctmj-137	47	77	30	30	NUM
ctmj-137	47	78	percent	percent	NOUN
ctmj-137	47	79	of	of	ADP
ctmj-137	47	80	the	the	DET
ctmj-137	47	81	respondents	respondent	NOUN
ctmj-137	47	82	preferred	prefer	VERB
ctmj-137	47	83	for	for	ADP
ctmj-137	47	84	electricity	electricity	NOUN
ctmj-137	47	85	bill	bill	NOUN
ctmj-137	47	86	payments	payment	NOUN
ctmj-137	47	87	,	,	PUNCT
ctmj-137	47	88	40	40	NUM
ctmj-137	47	89	percent	percent	NOUN
ctmj-137	47	90	of	of	ADP
ctmj-137	47	91	the	the	DET
ctmj-137	47	92	respondents	respondent	NOUN
ctmj-137	47	93	preferred	prefer	VERB
ctmj-137	47	94	for	for	ADP
ctmj-137	47	95	gas	gas	NOUN
ctmj-137	47	96	bill	bill	NOUN
ctmj-137	47	97	payments	payment	NOUN
ctmj-137	47	98	and	and	CCONJ
ctmj-137	47	99	14	14	NUM
ctmj-137	47	100	percent	percent	NOUN
ctmj-137	47	101	of	of	ADP
ctmj-137	47	102	the	the	DET
ctmj-137	47	103	respondents	respondent	NOUN
ctmj-137	47	104	preferred	prefer	VERB
ctmj-137	47	105	for	for	ADP
ctmj-137	47	106	online	online	ADJ
ctmj-137	47	107	shopping	shopping	NOUN
ctmj-137	47	108	.	.	PUNCT
ctmj-137	48	1	conclusion	conclusion	NOUN
ctmj-137	48	2	the	the	DET
ctmj-137	48	3	current	current	ADJ
ctmj-137	48	4	research	research	NOUN
ctmj-137	48	5	aimed	aim	VERB
ctmj-137	48	6	to	to	PART
ctmj-137	48	7	learn	learn	VERB
ctmj-137	48	8	how	how	SCONJ
ctmj-137	48	9	customers	customer	NOUN
ctmj-137	48	10	use	use	VERB
ctmj-137	48	11	online	online	ADJ
ctmj-137	48	12	payment	payment	NOUN
ctmj-137	48	13	options	option	NOUN
ctmj-137	48	14	.	.	PUNCT
ctmj-137	49	1	it	it	PRON
ctmj-137	49	2	was	be	AUX
ctmj-137	49	3	shown	show	VERB
ctmj-137	49	4	that	that	SCONJ
ctmj-137	49	5	most	most	ADJ
ctmj-137	49	6	consumers	consumer	NOUN
ctmj-137	49	7	are	be	AUX
ctmj-137	49	8	ok	ok	ADJ
ctmj-137	49	9	with	with	ADP
ctmj-137	49	10	using	use	VERB
ctmj-137	49	11	digital	digital	ADJ
ctmj-137	49	12	payments	payment	NOUN
ctmj-137	49	13	for	for	ADP
ctmj-137	49	14	routine	routine	ADJ
ctmj-137	49	15	purchases	purchase	NOUN
ctmj-137	49	16	.	.	PUNCT
ctmj-137	50	1	this	this	DET
ctmj-137	50	2	conclusion	conclusion	NOUN
ctmj-137	50	3	was	be	AUX
ctmj-137	50	4	backed	back	VERB
ctmj-137	50	5	by	by	ADP
ctmj-137	50	6	a	a	DET
ctmj-137	50	7	percentage	percentage	NOUN
ctmj-137	50	8	of	of	ADP
ctmj-137	50	9	respondents	respondent	NOUN
ctmj-137	50	10	who	who	PRON
ctmj-137	50	11	said	say	VERB
ctmj-137	50	12	they	they	PRON
ctmj-137	50	13	were	be	AUX
ctmj-137	50	14	more	more	ADV
ctmj-137	50	15	likely	likely	ADJ
ctmj-137	50	16	to	to	PART
ctmj-137	50	17	make	make	VERB
ctmj-137	50	18	timely	timely	ADJ
ctmj-137	50	19	online	online	ADJ
ctmj-137	50	20	payments	payment	NOUN
ctmj-137	50	21	.	.	PUNCT
ctmj-137	51	1	respondents	respondent	NOUN
ctmj-137	51	2	reported	report	VERB
ctmj-137	51	3	having	have	VERB
ctmj-137	51	4	the	the	DET
ctmj-137	51	5	most	most	ADJ
ctmj-137	51	6	trouble	trouble	NOUN
ctmj-137	51	7	with	with	ADP
ctmj-137	51	8	the	the	DET
ctmj-137	51	9	online	online	ADJ
ctmj-137	51	10	payment	payment	NOUN
ctmj-137	51	11	procedure	procedure	NOUN
ctmj-137	51	12	due	due	ADP
ctmj-137	51	13	to	to	ADP
ctmj-137	51	14	the	the	DET
ctmj-137	51	15	number	number	NOUN
ctmj-137	51	16	of	of	ADP
ctmj-137	51	17	steps	step	NOUN
ctmj-137	51	18	involved	involve	VERB
ctmj-137	51	19	.	.	PUNCT
ctmj-137	52	1	this	this	DET
ctmj-137	52	2	statistic	statistic	NOUN
ctmj-137	52	3	suggests	suggest	VERB
ctmj-137	52	4	that	that	SCONJ
ctmj-137	52	5	people	people	NOUN
ctmj-137	52	6	are	be	AUX
ctmj-137	52	7	increasingly	increasingly	ADV
ctmj-137	52	8	paying	pay	VERB
ctmj-137	52	9	their	their	PRON
ctmj-137	52	10	gas	gas	NOUN
ctmj-137	52	11	and	and	CCONJ
ctmj-137	52	12	electricity	electricity	NOUN
ctmj-137	52	13	bills	bill	NOUN
ctmj-137	52	14	digitally	digitally	ADV
ctmj-137	52	15	.	.	PUNCT
ctmj-137	53	1	utilities	utility	NOUN
ctmj-137	53	2	using	use	VERB
ctmj-137	53	3	new	new	ADJ
ctmj-137	53	4	technology	technology	NOUN
ctmj-137	53	5	to	to	PART
ctmj-137	53	6	improve	improve	VERB
ctmj-137	53	7	customer	customer	NOUN
ctmj-137	53	8	service	service	NOUN
ctmj-137	53	9	and	and	CCONJ
ctmj-137	53	10	provide	provide	VERB
ctmj-137	53	11	conveniences	convenience	NOUN
ctmj-137	53	12	should	should	AUX
ctmj-137	53	13	be	be	AUX
ctmj-137	53	14	transparent	transparent	ADJ
ctmj-137	53	15	to	to	ADP
ctmj-137	53	16	their	their	PRON
ctmj-137	53	17	patrons	patron	NOUN
ctmj-137	53	18	.	.	PUNCT
ctmj-137	54	1	we	we	PRON
ctmj-137	54	2	live	live	VERB
ctmj-137	54	3	in	in	ADP
ctmj-137	54	4	a	a	DET
ctmj-137	54	5	time	time	NOUN
ctmj-137	54	6	where	where	SCONJ
ctmj-137	54	7	technology	technology	NOUN
ctmj-137	54	8	permeates	permeate	VERB
ctmj-137	54	9	almost	almost	ADV
ctmj-137	54	10	every	every	PRON
ctmj-137	54	11	facet	facet	NOUN
ctmj-137	54	12	of	of	ADP
ctmj-137	54	13	our	our	PRON
ctmj-137	54	14	existence	existence	NOUN
ctmj-137	54	15	.	.	PUNCT
ctmj-137	55	1	customers	customer	NOUN
ctmj-137	55	2	of	of	ADP
ctmj-137	55	3	utilities	utility	NOUN
ctmj-137	55	4	want	want	VERB
ctmj-137	55	5	utilities	utility	NOUN
ctmj-137	55	6	to	to	PART
ctmj-137	55	7	utilize	utilize	VERB
ctmj-137	55	8	technology	technology	NOUN
ctmj-137	55	9	to	to	PART
ctmj-137	55	10	improve	improve	VERB
ctmj-137	55	11	their	their	PRON
ctmj-137	55	12	services	service	NOUN
ctmj-137	55	13	much	much	ADV
ctmj-137	55	14	as	as	SCONJ
ctmj-137	55	15	they	they	PRON
ctmj-137	55	16	do	do	VERB
ctmj-137	55	17	in	in	ADP
ctmj-137	55	18	their	their	PRON
ctmj-137	55	19	own	own	ADJ
ctmj-137	55	20	companies	company	NOUN
ctmj-137	55	21	.	.	PUNCT
ctmj-137	56	1	customers	customer	NOUN
ctmj-137	56	2	are	be	AUX
ctmj-137	56	3	looking	look	VERB
ctmj-137	56	4	for	for	ADP
ctmj-137	56	5	hyper	hyper	ADJ
ctmj-137	56	6	-	-	ADJ
ctmj-137	56	7	personalized	personalize	VERB
ctmj-137	56	8	service	service	NOUN
ctmj-137	56	9	and	and	CCONJ
ctmj-137	56	10	experiences	experience	NOUN
ctmj-137	56	11	that	that	PRON
ctmj-137	56	12	are	be	AUX
ctmj-137	56	13	tailored	tailor	VERB
ctmj-137	56	14	to	to	ADP
ctmj-137	56	15	their	their	PRON
ctmj-137	56	16	individual	individual	ADJ
ctmj-137	56	17	needs	need	NOUN
ctmj-137	56	18	and	and	CCONJ
ctmj-137	56	19	preferences	preference	NOUN
ctmj-137	56	20	.	.	PUNCT
ctmj-137	57	1	utilities	utility	NOUN
ctmj-137	57	2	have	have	VERB
ctmj-137	57	3	a	a	DET
ctmj-137	57	4	responsibility	responsibility	NOUN
ctmj-137	57	5	to	to	ADP
ctmj-137	57	6	their	their	PRON
ctmj-137	57	7	consumers	consumer	NOUN
ctmj-137	57	8	,	,	PUNCT
ctmj-137	57	9	who	who	PRON
ctmj-137	57	10	are	be	AUX
ctmj-137	57	11	becoming	become	VERB
ctmj-137	57	12	more	more	ADV
ctmj-137	57	13	environmentally	environmentally	ADV
ctmj-137	57	14	conscious	conscious	ADJ
ctmj-137	57	15	,	,	PUNCT
ctmj-137	57	16	to	to	PART
ctmj-137	57	17	offer	offer	VERB
ctmj-137	57	18	them	they	PRON
ctmj-137	57	19	with	with	ADP
ctmj-137	57	20	services	service	NOUN
ctmj-137	57	21	and	and	CCONJ
ctmj-137	57	22	communications	communication	NOUN
ctmj-137	57	23	that	that	PRON
ctmj-137	57	24	are	be	AUX
ctmj-137	57	25	tailored	tailor	VERB
ctmj-137	57	26	to	to	ADP
ctmj-137	57	27	their	their	PRON
ctmj-137	57	28	specific	specific	ADJ
ctmj-137	57	29	needs	need	NOUN
ctmj-137	57	30	.	.	PUNCT
ctmj-137	58	1	in	in	ADP
ctmj-137	58	2	order	order	NOUN
ctmj-137	58	3	to	to	PART
ctmj-137	58	4	meet	meet	VERB
ctmj-137	58	5	these	these	DET
ctmj-137	58	6	standards	standard	NOUN
ctmj-137	58	7	,	,	PUNCT
ctmj-137	58	8	businesses	business	NOUN
ctmj-137	58	9	must	must	AUX
ctmj-137	58	10	be	be	AUX
ctmj-137	58	11	able	able	ADJ
ctmj-137	58	12	to	to	PART
ctmj-137	58	13	anticipate	anticipate	VERB
ctmj-137	58	14	their	their	PRON
ctmj-137	58	15	consumers	consumer	NOUN
ctmj-137	58	16	'	'	PART
ctmj-137	58	17	needs	need	NOUN
ctmj-137	58	18	before	before	SCONJ
ctmj-137	58	19	those	those	DET
ctmj-137	58	20	needs	need	NOUN
ctmj-137	58	21	are	be	AUX
ctmj-137	58	22	consciously	consciously	ADV
ctmj-137	58	23	known	know	VERB
ctmj-137	58	24	to	to	ADP
ctmj-137	58	25	them	they	PRON
ctmj-137	58	26	.	.	PUNCT
ctmj-137	59	1	whatever	whatever	DET
ctmj-137	59	2	technologies	technology	NOUN
ctmj-137	59	3	utilities	utility	NOUN
ctmj-137	59	4	adopt	adopt	VERB
ctmj-137	59	5	,	,	PUNCT
ctmj-137	59	6	it	it	PRON
ctmj-137	59	7	needs	need	VERB
ctmj-137	59	8	ensure	ensure	VERB
ctmj-137	59	9	that	that	SCONJ
ctmj-137	59	10	they	they	PRON
ctmj-137	59	11	consistently	consistently	ADV
ctmj-137	59	12	encage	encage	VERB
ctmj-137	59	13	digitally	digitally	ADV
ctmj-137	59	14	with	with	ADP
ctmj-137	59	15	their	their	PRON
ctmj-137	59	16	customers	customer	NOUN
ctmj-137	59	17	and	and	CCONJ
ctmj-137	59	18	not	not	PART
ctmj-137	59	19	just	just	ADV
ctmj-137	59	20	when	when	SCONJ
ctmj-137	59	21	it	it	PRON
ctmj-137	59	22	’s	’	VERB
ctmj-137	59	23	time	time	NOUN
ctmj-137	59	24	for	for	ADP
ctmj-137	59	25	monthly	monthly	ADJ
ctmj-137	59	26	bill	bill	NOUN
ctmj-137	59	27	.	.	PUNCT
ctmj-137	60	1	importantly	importantly	ADV
ctmj-137	60	2	these	these	DET
ctmj-137	60	3	communications	communication	NOUN
ctmj-137	60	4	must	must	AUX
ctmj-137	60	5	be	be	AUX
ctmj-137	60	6	relevant	relevant	ADJ
ctmj-137	60	7	,	,	PUNCT
ctmj-137	60	8	useful	useful	ADJ
ctmj-137	60	9	and	and	CCONJ
ctmj-137	60	10	personal	personal	ADJ
ctmj-137	60	11	to	to	ADP
ctmj-137	60	12	each	each	DET
ctmj-137	60	13	individual	individual	ADJ
ctmj-137	60	14	customer	customer	NOUN
ctmj-137	60	15	.	.	PUNCT
ctmj-137	61	1	references	reference	NOUN
ctmj-137	61	2	1	1	NUM
ctmj-137	61	3	.	.	PUNCT
ctmj-137	62	1	the	the	DET
ctmj-137	62	2	analytic	analytic	ADJ
ctmj-137	62	3	hierarchy	hierarchy	NOUN
ctmj-137	62	4	process	process	NOUN
ctmj-137	62	5	:	:	PUNCT
ctmj-137	62	6	a	a	DET
ctmj-137	62	7	framework	framework	NOUN
ctmj-137	62	8	for	for	ADP
ctmj-137	62	9	understanding	understand	VERB
ctmj-137	62	10	mcommerce	mcommerce	ADJ
ctmj-137	62	11	payment	payment	NOUN
ctmj-137	62	12	systems	system	NOUN
ctmj-137	62	13	by	by	ADP
ctmj-137	62	14	chou	chou	NOUN
ctmj-137	62	15	,	,	PUNCT
ctmj-137	62	16	yuntsai	yuntsai	PROPN
ctmj-137	62	17	,	,	PUNCT
ctmj-137	62	18	lee	lee	PROPN
ctmj-137	62	19	,	,	PUNCT
ctmj-137	62	20	chiwei	chiwei	NOUN
ctmj-137	62	21	,	,	PUNCT
ctmj-137	62	22	and	and	CCONJ
ctmj-137	62	23	chung	chung	PROPN
ctmj-137	62	24	,	,	PUNCT
ctmj-137	62	25	jianru	jianru	NOUN
ctmj-137	62	26	(	(	PUNCT
ctmj-137	62	27	2004	2004	NUM
ctmj-137	62	28	)	)	PUNCT
ctmj-137	62	29	.	.	PUNCT
ctmj-137	63	1	2	2	X
ctmj-137	63	2	.	.	X
ctmj-137	63	3	reference	reference	NOUN
ctmj-137	63	4	:	:	PUNCT
ctmj-137	63	5	2	2	NUM
ctmj-137	63	6	khan	khan	NOUN
ctmj-137	63	7	bu	bu	PROPN
ctmj-137	63	8	,	,	PUNCT
ctmj-137	63	9	rf	rf	VERB
ctmj-137	63	10	olanrewaju	olanrewaju	ADJ
ctmj-137	63	11	,	,	PUNCT
ctmj-137	63	12	am	be	AUX
ctmj-137	63	13	baba	baba	PROPN
ctmj-137	63	14	,	,	PUNCT
ctmj-137	63	15	aa	aa	PROPN
ctmj-137	63	16	langoo	langoo	PROPN
ctmj-137	63	17	,	,	PUNCT
ctmj-137	63	18	and	and	CCONJ
ctmj-137	63	19	sa	sa	PROPN
ctmj-137	63	20	assad	assad	PROPN
ctmj-137	63	21	(	(	PUNCT
ctmj-137	63	22	2017	2017	NUM
ctmj-137	63	23	)	)	PUNCT
ctmj-137	63	24	.	.	PUNCT
ctmj-137	64	1	extensive	extensive	ADJ
ctmj-137	64	2	research	research	NOUN
ctmj-137	64	3	on	on	ADP
ctmj-137	64	4	the	the	DET
ctmj-137	64	5	evolution	evolution	NOUN
ctmj-137	64	6	,	,	PUNCT
ctmj-137	64	7	current	current	ADJ
ctmj-137	64	8	state	state	NOUN
ctmj-137	64	9	,	,	PUNCT
ctmj-137	64	10	and	and	CCONJ
ctmj-137	64	11	potential	potential	ADJ
ctmj-137	64	12	future	future	NOUN
ctmj-137	64	13	of	of	ADP
ctmj-137	64	14	online	online	ADJ
ctmj-137	64	15	payment	payment	NOUN
ctmj-137	64	16	systems	system	NOUN
ctmj-137	64	17	.	.	PUNCT
ctmj-137	65	1	3	3	NUM
ctmj-137	65	2	https://www.invoicevera.com/blog/entrep	https://www.invoicevera.com/blog/entrep	NOUN
ctmj-137	65	3	reneurship	reneurship	NOUN
ctmj-137	65	4	/	/	SYM
ctmj-137	65	5	entrepreneurship	entrepreneurship	NOUN
ctmj-137	65	6	-	-	PUNCT
ctmj-137	65	7	billingchallenges	billingchallenge	NOUN
ctmj-137	65	8	-	-	PUNCT
ctmj-137	65	9	faced	faced	ADJ
ctmj-137	65	10	-	-	PUNCT
ctmj-137	65	11	utility	utility	NOUN
ctmj-137	65	12	-	-	PUNCT
ctmj-137	65	13	companies/.	companies/.	NOUN
ctmj-137	65	14	international	international	ADJ
ctmj-137	65	15	journal	journal	NOUN
ctmj-137	65	16	of	of	ADP
ctmj-137	65	17	advances	advance	NOUN
ctmj-137	65	18	in	in	ADP
ctmj-137	65	19	computer	computer	NOUN
ctmj-137	65	20	science	science	NOUN
ctmj-137	65	21	and	and	CCONJ
ctmj-137	65	22	applications	application	NOUN
ctmj-137	65	23	,	,	PUNCT
ctmj-137	65	24	8	8	NUM
ctmj-137	65	25	(	(	PUNCT
ctmj-137	65	26	5	5	NUM
ctmj-137	65	27	)	)	PUNCT
ctmj-137	65	28	,	,	PUNCT
ctmj-137	65	29	256	256	NUM
ctmj-137	65	30	-	-	SYM
ctmj-137	65	31	271	271	NUM
ctmj-137	65	32	.	.	PUNCT
ctmj-137	66	1	3	3	X
ctmj-137	66	2	.	.	X
ctmj-137	66	3	you	you	PRON
ctmj-137	66	4	may	may	AUX
ctmj-137	66	5	get	get	VERB
ctmj-137	66	6	more	more	ADJ
ctmj-137	66	7	information	information	NOUN
ctmj-137	66	8	on	on	ADP
ctmj-137	66	9	how	how	SCONJ
ctmj-137	66	10	to	to	PART
ctmj-137	66	11	use	use	VERB
ctmj-137	66	12	amr	amr	NOUN
ctmj-137	66	13	to	to	PART
ctmj-137	66	14	provide	provide	VERB
ctmj-137	66	15	better	well	ADJ
ctmj-137	66	16	service	service	NOUN
ctmj-137	66	17	to	to	ADP
ctmj-137	66	18	customers	customer	NOUN
ctmj-137	66	19	at	at	ADP
ctmj-137	66	20	https://www.wateronline.com/doc/amra2000	https://www.wateronline.com/doc/amra2000	PROPN
ctmj-137	66	21	.	.	PROPN
ctmj-137	66	22	4	4	NUM
ctmj-137	66	23	.	.	NOUN
ctmj-137	67	1	5.https://www.rapyd.net/resource/gartnerpayment-acceptance-will-never-be-thesame-afterthe-covid-19-pandemic/.	5.https://www.rapyd.net/resource/gartnerpayment-acceptance-will-never-be-thesame-afterthe-covid-19-pandemic/.	NUM
ctmj-137	67	2	5	5	NUM
ctmj-137	67	3	.	.	PUNCT
ctmj-137	68	1	the	the	DET
ctmj-137	68	2	expansion	expansion	NOUN
ctmj-137	68	3	of	of	ADP
ctmj-137	68	4	digital	digital	ADJ
ctmj-137	68	5	payment	payment	NOUN
ctmj-137	68	6	systems	system	NOUN
ctmj-137	68	7	in	in	ADP
ctmj-137	68	8	india	india	PROPN
ctmj-137	68	9	is	be	AUX
ctmj-137	68	10	covered	cover	VERB
ctmj-137	68	11	in	in	ADP
ctmj-137	68	12	this	this	DET
ctmj-137	68	13	article	article	NOUN
ctmj-137	68	14	:	:	PUNCT
ctmj-137	68	15	6	6	NUM
ctmj-137	68	16	.	.	NOUN
ctmj-137	68	17	6	6	NUM
ctmj-137	68	18	.	.	PUNCT
ctmj-137	69	1	lastly	lastly	ADV
ctmj-137	69	2	,	,	PUNCT
ctmj-137	69	3	please	please	INTJ
ctmj-137	69	4	visit	visit	VERB
ctmj-137	69	5	this	this	DET
ctmj-137	69	6	link	link	NOUN
ctmj-137	69	7	:	:	PUNCT
ctmj-137	69	8	https://www.consumer.ftc.gov/articles/02	https://www.consumer.ftc.gov/articles/02	PROPN
ctmj-137	69	9	20	20	NUM
ctmj-137	69	10	-	-	PUNCT
ctmj-137	69	11	utility	utility	NOUN
ctmj-137	69	12	-	-	PUNCT
ctmj-137	69	13	services#7	services#7	NOUN
ctmj-137	69	14	.	.	PUNCT
ctmj-137	70	1	7	7	X
ctmj-137	70	2	.	.	X
ctmj-137	70	3	forexample	forexample	NOUN
ctmj-137	70	4	:	:	PUNCT
ctmj-137	70	5	http://www.google.com/url?sa=t&source	http://www.google.com/url?sa=t&source	NOUN
ctmj-137	70	6	=	=	NUM
ctmj-137	70	7	web&rct	web&rct	PROPN
ctmj-137	70	8	=	=	SYM
ctmj-137	70	9	j7	j7	NOUN
ctmj-137	70	10	/	/	SYM
ctmj-137	70	11	url	url	NOUN
ctmj-137	70	12	=	=	NOUN
ctmj-137	70	13	this	this	PRON
ctmj-137	70	14	is	be	AUX
ctmj-137	70	15	an	an	DET
ctmj-137	70	16	example	example	NOUN
ctmj-137	70	17	of	of	ADP
ctmj-137	70	18	an	an	DET
ctmj-137	70	19	it	it	PRON
ctmj-137	70	20	essay	essay	NOUN
ctmj-137	70	21	on	on	ADP
ctmj-137	70	22	paying	pay	VERB
ctmj-137	70	23	your	your	PRON
ctmj-137	70	24	utility	utility	NOUN
ctmj-137	70	25	bills	bill	NOUN
ctmj-137	70	26	online	online	ADV
ctmj-137	70	27	:	:	PUNCT
ctmj-137	70	28	http://www.ukessays.com/essay	http://www.ukessays.com/essay	PUNCT
ctmj-137	70	29	s	s	X
ctmj-137	70	30	/	/	SYM
ctmj-137	70	31	information	information	NOUN
ctmj-137	70	32	-	-	PUNCT
ctmj-137	70	33	technology	technology	NOUN
ctmj-137	70	34	/	/	SYM
ctmj-137	70	35	an	an	DET
ctmj-137	70	36	-	-	PUNCT
ctmj-137	70	37	onlineutility	onlineutility	NOUN
ctmj-137	70	38	-	-	PUNCT
ctmj-137	70	39	bill	bill	NOUN
ctmj-137	70	40	-	-	PUNCT
ctmj-137	70	41	payment	payment	NOUN
ctmj-137	70	42	-	-	PUNCT
ctmj-137	70	43	essay	essay	NOUN
ctmj-137	70	44	.	.	PUNCT