id	sid	tid	token	lemma	pos
cuesj-711	1	1	tx_1	tx_1	PROPN
cuesj-711	1	2	~	~	X
cuesj-711	1	3	abs	ab	NOUN
cuesj-711	1	4	:	:	PUNCT
cuesj-711	1	5	at	at	ADP
cuesj-711	1	6	/	/	SYM
cuesj-711	1	7	add	add	VERB
cuesj-711	1	8	:	:	PUNCT
cuesj-711	1	9	tx_2	tx_2	PROPN
cuesj-711	1	10	~	~	NOUN
cuesj-711	1	11	abs	ab	NOUN
cuesj-711	1	12	:	:	PUNCT
cuesj-711	1	13	at	at	ADP
cuesj-711	1	14	23	23	NUM
cuesj-711	1	15	http://journals.cihanuniversity.edu.iq/index.php/cuesj	http://journals.cihanuniversity.edu.iq/index.php/cuesj	ADJ
cuesj-711	1	16	cuesj	cuesj	ADJ
cuesj-711	1	17	2022	2022	NUM
cuesj-711	1	18	,	,	PUNCT
cuesj-711	1	19	6	6	NUM
cuesj-711	1	20	(	(	PUNCT
cuesj-711	1	21	2	2	NUM
cuesj-711	1	22	):	):	PUNCT
cuesj-711	1	23	23	23	NUM
cuesj-711	1	24	-	-	SYM
cuesj-711	1	25	27	27	NUM
cuesj-711	1	26	research	research	NOUN
cuesj-711	1	27	article	article	NOUN
cuesj-711	1	28	empower	empower	NOUN
cuesj-711	1	29	e	e	PROPN
cuesj-711	1	30	-	-	NOUN
cuesj-711	1	31	wallet	wallet	NOUN
cuesj-711	1	32	payment	payment	NOUN
cuesj-711	1	33	system	system	NOUN
cuesj-711	1	34	using	use	VERB
cuesj-711	1	35	secured	secure	VERB
cuesj-711	1	36	hybrid	hybrid	ADJ
cuesj-711	1	37	approach	approach	NOUN
cuesj-711	1	38	of	of	ADP
cuesj-711	1	39	online	online	ADJ
cuesj-711	1	40	and	and	CCONJ
cuesj-711	1	41	offline	offline	ADJ
cuesj-711	1	42	services	service	NOUN
cuesj-711	1	43	mohammed	mohammed	PROPN
cuesj-711	1	44	h.	h.	PROPN
cuesj-711	1	45	shukur	shukur	PROPN
cuesj-711	1	46	,	,	PUNCT
cuesj-711	1	47	reem	reem	PROPN
cuesj-711	1	48	j.	j.	PROPN
cuesj-711	1	49	ismail	ismail	PROPN
cuesj-711	1	50	,	,	PUNCT
cuesj-711	1	51	laith	laith	PROPN
cuesj-711	1	52	r.	r.	PROPN
cuesj-711	1	53	flaih	flaih	PROPN
cuesj-711	1	54	department	department	PROPN
cuesj-711	1	55	of	of	ADP
cuesj-711	1	56	computer	computer	NOUN
cuesj-711	1	57	science	science	NOUN
cuesj-711	1	58	,	,	PUNCT
cuesj-711	1	59	college	college	NOUN
cuesj-711	1	60	of	of	ADP
cuesj-711	1	61	science	science	NOUN
cuesj-711	1	62	,	,	PUNCT
cuesj-711	1	63	chian	chian	ADJ
cuesj-711	1	64	university	university	NOUN
cuesj-711	1	65	-	-	PUNCT
cuesj-711	1	66	erbil	erbil	PROPN
cuesj-711	1	67	,	,	PUNCT
cuesj-711	1	68	kurdistan	kurdistan	ADJ
cuesj-711	1	69	region	region	NOUN
cuesj-711	1	70	,	,	PUNCT
cuesj-711	1	71	iraq	iraq	PROPN
cuesj-711	1	72	abstract	abstract	NOUN
cuesj-711	1	73	as	as	SCONJ
cuesj-711	1	74	e	e	NOUN
cuesj-711	1	75	-	-	NOUN
cuesj-711	1	76	commerce	commerce	NOUN
cuesj-711	1	77	expands	expand	VERB
cuesj-711	1	78	,	,	PUNCT
cuesj-711	1	79	payment	payment	NOUN
cuesj-711	1	80	mechanisms	mechanism	NOUN
cuesj-711	1	81	are	be	AUX
cuesj-711	1	82	migrated	migrate	VERB
cuesj-711	1	83	to	to	ADP
cuesj-711	1	84	mobile	mobile	ADJ
cuesj-711	1	85	devices	device	NOUN
cuesj-711	1	86	,	,	PUNCT
cuesj-711	1	87	creating	create	VERB
cuesj-711	1	88	e	e	NOUN
cuesj-711	1	89	-	-	NOUN
cuesj-711	1	90	wallets	wallet	NOUN
cuesj-711	1	91	.	.	PUNCT
cuesj-711	2	1	current	current	ADJ
cuesj-711	2	2	e	e	NOUN
cuesj-711	2	3	-	-	NOUN
cuesj-711	2	4	wallet	wallet	NOUN
cuesj-711	2	5	payment	payment	NOUN
cuesj-711	2	6	solutions	solution	NOUN
cuesj-711	2	7	are	be	AUX
cuesj-711	2	8	based	base	VERB
cuesj-711	2	9	on	on	ADP
cuesj-711	2	10	smartphones	smartphone	NOUN
cuesj-711	2	11	with	with	ADP
cuesj-711	2	12	internet	internet	NOUN
cuesj-711	2	13	access	access	NOUN
cuesj-711	2	14	.	.	PUNCT
cuesj-711	3	1	e	e	X
cuesj-711	3	2	-	-	NOUN
cuesj-711	3	3	wallets	wallet	NOUN
cuesj-711	3	4	are	be	AUX
cuesj-711	3	5	becoming	become	VERB
cuesj-711	3	6	increasingly	increasingly	ADV
cuesj-711	3	7	popular	popular	ADJ
cuesj-711	3	8	among	among	ADP
cuesj-711	3	9	individuals	individual	NOUN
cuesj-711	3	10	worldwide	worldwide	ADV
cuesj-711	3	11	.	.	PUNCT
cuesj-711	4	1	despite	despite	SCONJ
cuesj-711	4	2	this	this	PRON
cuesj-711	4	3	,	,	PUNCT
cuesj-711	4	4	a	a	DET
cuesj-711	4	5	survey	survey	NOUN
cuesj-711	4	6	conducted	conduct	VERB
cuesj-711	4	7	to	to	PART
cuesj-711	4	8	determine	determine	VERB
cuesj-711	4	9	the	the	DET
cuesj-711	4	10	primary	primary	ADJ
cuesj-711	4	11	factors	factor	NOUN
cuesj-711	4	12	influencing	influence	VERB
cuesj-711	4	13	iraqis	iraqi	NOUN
cuesj-711	4	14	’	'	PUNCT
cuesj-711	4	15	adoption	adoption	NOUN
cuesj-711	4	16	of	of	ADP
cuesj-711	4	17	electronic	electronic	ADJ
cuesj-711	4	18	wallets	wallet	NOUN
cuesj-711	4	19	reveals	reveal	VERB
cuesj-711	4	20	a	a	DET
cuesj-711	4	21	slower	slow	ADJ
cuesj-711	4	22	growth	growth	NOUN
cuesj-711	4	23	rate	rate	NOUN
cuesj-711	4	24	in	in	ADP
cuesj-711	4	25	iraq	iraq	PROPN
cuesj-711	4	26	than	than	ADP
cuesj-711	4	27	in	in	ADP
cuesj-711	4	28	other	other	ADJ
cuesj-711	4	29	regions	region	NOUN
cuesj-711	4	30	.	.	PUNCT
cuesj-711	5	1	this	this	DET
cuesj-711	5	2	paper	paper	NOUN
cuesj-711	5	3	proposes	propose	VERB
cuesj-711	5	4	a	a	DET
cuesj-711	5	5	design	design	NOUN
cuesj-711	5	6	for	for	ADP
cuesj-711	5	7	a	a	DET
cuesj-711	5	8	mobile	mobile	ADJ
cuesj-711	5	9	e	e	NOUN
cuesj-711	5	10	-	-	NOUN
cuesj-711	5	11	wallet	wallet	NOUN
cuesj-711	5	12	application	application	NOUN
cuesj-711	5	13	that	that	PRON
cuesj-711	5	14	offers	offer	VERB
cuesj-711	5	15	online	online	ADJ
cuesj-711	5	16	-	-	PUNCT
cuesj-711	5	17	to	to	ADP
cuesj-711	5	18	-	-	PUNCT
cuesj-711	5	19	offline	offline	ADJ
cuesj-711	5	20	(	(	PUNCT
cuesj-711	5	21	o2o	o2o	NOUN
cuesj-711	5	22	)	)	PUNCT
cuesj-711	5	23	payments	payment	NOUN
cuesj-711	5	24	to	to	PART
cuesj-711	5	25	replace	replace	VERB
cuesj-711	5	26	traditional	traditional	ADJ
cuesj-711	5	27	e	e	NOUN
cuesj-711	5	28	-	-	NOUN
cuesj-711	5	29	wallets	wallet	NOUN
cuesj-711	5	30	,	,	PUNCT
cuesj-711	5	31	credit	credit	NOUN
cuesj-711	5	32	cards	card	NOUN
cuesj-711	5	33	,	,	PUNCT
cuesj-711	5	34	debit	debit	NOUN
cuesj-711	5	35	cards	card	NOUN
cuesj-711	5	36	,	,	PUNCT
cuesj-711	5	37	and	and	CCONJ
cuesj-711	5	38	cash	cash	NOUN
cuesj-711	5	39	using	use	VERB
cuesj-711	5	40	offline	offline	ADJ
cuesj-711	5	41	connectivity	connectivity	NOUN
cuesj-711	5	42	and	and	CCONJ
cuesj-711	5	43	near	near	ADJ
cuesj-711	5	44	-	-	PUNCT
cuesj-711	5	45	field	field	NOUN
cuesj-711	5	46	communication	communication	NOUN
cuesj-711	5	47	(	(	PUNCT
cuesj-711	5	48	nfc	nfc	NOUN
cuesj-711	5	49	)	)	PUNCT
cuesj-711	5	50	with	with	ADP
cuesj-711	5	51	sms	sms	NOUN
cuesj-711	5	52	-	-	PUNCT
cuesj-711	5	53	based	base	VERB
cuesj-711	5	54	payment	payment	NOUN
cuesj-711	5	55	mechanisms	mechanism	NOUN
cuesj-711	5	56	that	that	PRON
cuesj-711	5	57	do	do	AUX
cuesj-711	5	58	not	not	PART
cuesj-711	5	59	require	require	VERB
cuesj-711	5	60	an	an	DET
cuesj-711	5	61	internet	internet	NOUN
cuesj-711	5	62	connection	connection	NOUN
cuesj-711	5	63	.	.	PUNCT
cuesj-711	6	1	keywords	keyword	NOUN
cuesj-711	6	2	:	:	PUNCT
cuesj-711	6	3	e	e	X
cuesj-711	6	4	-	-	NOUN
cuesj-711	6	5	wallet	wallet	NOUN
cuesj-711	6	6	,	,	PUNCT
cuesj-711	6	7	offline	offline	ADJ
cuesj-711	6	8	services	service	NOUN
cuesj-711	6	9	,	,	PUNCT
cuesj-711	6	10	sms	sms	NOUN
cuesj-711	6	11	-	-	PUNCT
cuesj-711	6	12	based	base	VERB
cuesj-711	6	13	system	system	NOUN
cuesj-711	6	14	,	,	PUNCT
cuesj-711	6	15	online	online	ADJ
cuesj-711	6	16	and	and	CCONJ
cuesj-711	6	17	offline	offline	ADJ
cuesj-711	6	18	services	service	NOUN
cuesj-711	6	19	,	,	PUNCT
cuesj-711	6	20	hybrid	hybrid	ADJ
cuesj-711	6	21	approach	approach	NOUN
cuesj-711	6	22	introduction	introduction	NOUN
cuesj-711	6	23	the	the	DET
cuesj-711	6	24	“	"	PUNCT
cuesj-711	6	25	digital	digital	ADJ
cuesj-711	6	26	revolution	revolution	NOUN
cuesj-711	6	27	,	,	PUNCT
cuesj-711	6	28	”	"	PUNCT
cuesj-711	6	29	or	or	CCONJ
cuesj-711	6	30	the	the	DET
cuesj-711	6	31	transition	transition	NOUN
cuesj-711	6	32	from	from	ADP
cuesj-711	6	33	analog	analog	NOUN
cuesj-711	6	34	to	to	ADP
cuesj-711	6	35	digital	digital	ADJ
cuesj-711	6	36	technology	technology	NOUN
cuesj-711	6	37	,	,	PUNCT
cuesj-711	6	38	has	have	AUX
cuesj-711	6	39	altered	alter	VERB
cuesj-711	6	40	our	our	PRON
cuesj-711	6	41	lives	life	NOUN
cuesj-711	6	42	and	and	CCONJ
cuesj-711	6	43	created	create	VERB
cuesj-711	6	44	new	new	ADJ
cuesj-711	6	45	opportunities	opportunity	NOUN
cuesj-711	6	46	in	in	ADP
cuesj-711	6	47	a	a	DET
cuesj-711	6	48	wide	wide	ADJ
cuesj-711	6	49	range	range	NOUN
cuesj-711	6	50	of	of	ADP
cuesj-711	6	51	societal	societal	ADJ
cuesj-711	6	52	activities	activity	NOUN
cuesj-711	6	53	.	.	PUNCT
cuesj-711	7	1	one	one	NUM
cuesj-711	7	2	of	of	ADP
cuesj-711	7	3	these	these	DET
cuesj-711	7	4	activities	activity	NOUN
cuesj-711	7	5	is	be	AUX
cuesj-711	7	6	an	an	DET
cuesj-711	7	7	electronic	electronic	ADJ
cuesj-711	7	8	commerce	commerce	NOUN
cuesj-711	7	9	and	and	CCONJ
cuesj-711	7	10	money	money	NOUN
cuesj-711	7	11	digitalization	digitalization	NOUN
cuesj-711	7	12	.	.	PUNCT
cuesj-711	8	1	this	this	DET
cuesj-711	8	2	digitalization	digitalization	NOUN
cuesj-711	8	3	necessitates	necessitate	VERB
cuesj-711	8	4	the	the	DET
cuesj-711	8	5	development	development	NOUN
cuesj-711	8	6	of	of	ADP
cuesj-711	8	7	e	e	NOUN
cuesj-711	8	8	-	-	NOUN
cuesj-711	8	9	wallets	wallet	NOUN
cuesj-711	8	10	as	as	ADP
cuesj-711	8	11	the	the	DET
cuesj-711	8	12	next	next	ADJ
cuesj-711	8	13	phase	phase	NOUN
cuesj-711	8	14	of	of	ADP
cuesj-711	8	15	the	the	DET
cuesj-711	8	16	digital	digital	ADJ
cuesj-711	8	17	revolution	revolution	NOUN
cuesj-711	8	18	,	,	PUNCT
cuesj-711	8	19	as	as	ADP
cuesj-711	8	20	part	part	NOUN
cuesj-711	8	21	of	of	ADP
cuesj-711	8	22	the	the	DET
cuesj-711	8	23	transition	transition	NOUN
cuesj-711	8	24	from	from	ADP
cuesj-711	8	25	a	a	DET
cuesj-711	8	26	physical	physical	ADJ
cuesj-711	8	27	wallet	wallet	NOUN
cuesj-711	8	28	or	or	CCONJ
cuesj-711	8	29	plastic	plastic	NOUN
cuesj-711	8	30	card	card	NOUN
cuesj-711	8	31	payment	payment	NOUN
cuesj-711	8	32	system	system	NOUN
cuesj-711	8	33	to	to	ADP
cuesj-711	8	34	an	an	DET
cuesj-711	8	35	entirely	entirely	ADV
cuesj-711	8	36	electronic	electronic	ADJ
cuesj-711	8	37	payment	payment	NOUN
cuesj-711	8	38	system.[1	system.[1	NOUN
cuesj-711	8	39	]	]	X
cuesj-711	9	1	e	e	X
cuesj-711	9	2	-	-	NOUN
cuesj-711	9	3	wallet	wallet	NOUN
cuesj-711	9	4	is	be	AUX
cuesj-711	9	5	a	a	DET
cuesj-711	9	6	term	term	NOUN
cuesj-711	9	7	that	that	PRON
cuesj-711	9	8	refers	refer	VERB
cuesj-711	9	9	to	to	ADP
cuesj-711	9	10	a	a	DET
cuesj-711	9	11	type	type	NOUN
cuesj-711	9	12	of	of	ADP
cuesj-711	9	13	digital	digital	ADJ
cuesj-711	9	14	system	system	NOUN
cuesj-711	9	15	that	that	PRON
cuesj-711	9	16	is	be	AUX
cuesj-711	9	17	used	use	VERB
cuesj-711	9	18	to	to	PART
cuesj-711	9	19	facilitate	facilitate	VERB
cuesj-711	9	20	online	online	ADJ
cuesj-711	9	21	transactions	transaction	NOUN
cuesj-711	9	22	using	use	VERB
cuesj-711	9	23	a	a	DET
cuesj-711	9	24	smartphone	smartphone	NOUN
cuesj-711	9	25	.	.	PUNCT
cuesj-711	10	1	it	it	PRON
cuesj-711	10	2	functions	function	VERB
cuesj-711	10	3	similarly	similarly	ADV
cuesj-711	10	4	to	to	ADP
cuesj-711	10	5	a	a	DET
cuesj-711	10	6	credit	credit	NOUN
cuesj-711	10	7	or	or	CCONJ
cuesj-711	10	8	debit	debit	NOUN
cuesj-711	10	9	card	card	NOUN
cuesj-711	10	10	.	.	PUNCT
cuesj-711	11	1	an	an	DET
cuesj-711	11	2	e	e	NOUN
cuesj-711	11	3	-	-	NOUN
cuesj-711	11	4	wallet	wallet	NOUN
cuesj-711	11	5	must	must	AUX
cuesj-711	11	6	be	be	AUX
cuesj-711	11	7	linked	link	VERB
cuesj-711	11	8	to	to	ADP
cuesj-711	11	9	the	the	DET
cuesj-711	11	10	user	user	NOUN
cuesj-711	11	11	’s	’s	PART
cuesj-711	11	12	account	account	NOUN
cuesj-711	11	13	through	through	ADP
cuesj-711	11	14	the	the	DET
cuesj-711	11	15	internet	internet	NOUN
cuesj-711	11	16	to	to	PART
cuesj-711	11	17	make	make	VERB
cuesj-711	11	18	payments.[2	payments.[2	NOUN
cuesj-711	11	19	]	]	PUNCT
cuesj-711	11	20	an	an	DET
cuesj-711	11	21	e	e	NOUN
cuesj-711	11	22	-	-	NOUN
cuesj-711	11	23	wallet	wallet	NOUN
cuesj-711	11	24	is	be	AUX
cuesj-711	11	25	made	make	VERB
cuesj-711	11	26	up	up	ADP
cuesj-711	11	27	of	of	ADP
cuesj-711	11	28	two	two	NUM
cuesj-711	11	29	main	main	ADJ
cuesj-711	11	30	parts	part	NOUN
cuesj-711	11	31	:	:	PUNCT
cuesj-711	11	32	software	software	NOUN
cuesj-711	11	33	and	and	CCONJ
cuesj-711	11	34	data	datum	NOUN
cuesj-711	11	35	.	.	PUNCT
cuesj-711	12	1	the	the	DET
cuesj-711	12	2	information	information	NOUN
cuesj-711	12	3	is	be	AUX
cuesj-711	12	4	stored	store	VERB
cuesj-711	12	5	in	in	ADP
cuesj-711	12	6	a	a	DET
cuesj-711	12	7	database	database	NOUN
cuesj-711	12	8	that	that	PRON
cuesj-711	12	9	includes	include	VERB
cuesj-711	12	10	cash	cash	NOUN
cuesj-711	12	11	,	,	PUNCT
cuesj-711	12	12	the	the	DET
cuesj-711	12	13	owner	owner	NOUN
cuesj-711	12	14	’s	’s	PART
cuesj-711	12	15	name	name	NOUN
cuesj-711	12	16	,	,	PUNCT
cuesj-711	12	17	contact	contact	NOUN
cuesj-711	12	18	information	information	NOUN
cuesj-711	12	19	,	,	PUNCT
cuesj-711	12	20	shipping	shipping	NOUN
cuesj-711	12	21	,	,	PUNCT
cuesj-711	12	22	or	or	CCONJ
cuesj-711	12	23	billing	billing	NOUN
cuesj-711	12	24	information	information	NOUN
cuesj-711	12	25	,	,	PUNCT
cuesj-711	12	26	such	such	ADJ
cuesj-711	12	27	as	as	ADP
cuesj-711	12	28	the	the	DET
cuesj-711	12	29	customer	customer	NOUN
cuesj-711	12	30	’s	’s	PART
cuesj-711	12	31	address	address	NOUN
cuesj-711	12	32	and	and	CCONJ
cuesj-711	12	33	other	other	ADJ
cuesj-711	12	34	information	information	NOUN
cuesj-711	12	35	used	use	VERB
cuesj-711	12	36	at	at	ADP
cuesj-711	12	37	the	the	DET
cuesj-711	12	38	time	time	NOUN
cuesj-711	12	39	of	of	ADP
cuesj-711	12	40	checkout	checkout	NOUN
cuesj-711	12	41	on	on	ADP
cuesj-711	12	42	e	e	NOUN
cuesj-711	12	43	-	-	NOUN
cuesj-711	12	44	commerce	commerce	NOUN
cuesj-711	12	45	sites	site	NOUN
cuesj-711	12	46	,	,	PUNCT
cuesj-711	12	47	and	and	CCONJ
cuesj-711	12	48	one	one	NUM
cuesj-711	12	49	identification	identification	NOUN
cuesj-711	12	50	document	document	NOUN
cuesj-711	12	51	.	.	PUNCT
cuesj-711	13	1	furthermore	furthermore	ADV
cuesj-711	13	2	,	,	PUNCT
cuesj-711	13	3	users	user	NOUN
cuesj-711	13	4	can	can	AUX
cuesj-711	13	5	send	send	VERB
cuesj-711	13	6	money	money	NOUN
cuesj-711	13	7	using	use	VERB
cuesj-711	13	8	various	various	ADJ
cuesj-711	13	9	methods	method	NOUN
cuesj-711	13	10	,	,	PUNCT
cuesj-711	13	11	including	include	VERB
cuesj-711	13	12	direct	direct	ADJ
cuesj-711	13	13	sending	send	VERB
cuesj-711	13	14	phone	phone	NOUN
cuesj-711	13	15	numbers	number	NOUN
cuesj-711	13	16	,	,	PUNCT
cuesj-711	13	17	quick	quick	ADJ
cuesj-711	13	18	response	response	NOUN
cuesj-711	13	19	(	(	PUNCT
cuesj-711	13	20	qr	qr	NOUN
cuesj-711	13	21	)	)	PUNCT
cuesj-711	13	22	codes	code	NOUN
cuesj-711	13	23	,	,	PUNCT
cuesj-711	13	24	or	or	CCONJ
cuesj-711	13	25	direct	direct	ADJ
cuesj-711	13	26	purchases.[3	purchases.[3	NOUN
cuesj-711	13	27	]	]	PUNCT
cuesj-711	13	28	in	in	ADP
cuesj-711	13	29	2022	2022	NUM
cuesj-711	13	30	,	,	PUNCT
cuesj-711	13	31	several	several	ADJ
cuesj-711	13	32	e	e	NOUN
cuesj-711	13	33	-	-	NOUN
cuesj-711	13	34	wallets	wallet	NOUN
cuesj-711	13	35	in	in	ADP
cuesj-711	13	36	iraq	iraq	PROPN
cuesj-711	13	37	,	,	PUNCT
cuesj-711	13	38	including	include	VERB
cuesj-711	13	39	zain	zain	PROPN
cuesj-711	13	40	cash	cash	NOUN
cuesj-711	13	41	,	,	PUNCT
cuesj-711	13	42	asiahawala	asiahawala	NOUN
cuesj-711	13	43	,	,	PUNCT
cuesj-711	13	44	fastpay	fastpay	NOUN
cuesj-711	13	45	,	,	PUNCT
cuesj-711	13	46	firstiraqi	firstiraqi	ADJ
cuesj-711	13	47	bank	bank	NOUN
cuesj-711	13	48	,	,	PUNCT
cuesj-711	13	49	nasspay	nasspay	VERB
cuesj-711	13	50	,	,	PUNCT
cuesj-711	13	51	and	and	CCONJ
cuesj-711	13	52	zazapay	zazapay	NOUN
cuesj-711	13	53	,	,	PUNCT
cuesj-711	13	54	provided	provide	VERB
cuesj-711	13	55	essentially	essentially	ADV
cuesj-711	13	56	comparable	comparable	ADJ
cuesj-711	13	57	services	service	NOUN
cuesj-711	13	58	.	.	PUNCT
cuesj-711	14	1	what	what	PRON
cuesj-711	14	2	differentiates	differentiate	VERB
cuesj-711	14	3	them	they	PRON
cuesj-711	14	4	are	be	AUX
cuesj-711	14	5	the	the	DET
cuesj-711	14	6	benefits	benefit	NOUN
cuesj-711	14	7	of	of	ADP
cuesj-711	14	8	utilizing	utilize	VERB
cuesj-711	14	9	a	a	DET
cuesj-711	14	10	certain	certain	ADJ
cuesj-711	14	11	e	e	NOUN
cuesj-711	14	12	-	-	NOUN
cuesj-711	14	13	wallet	wallet	NOUN
cuesj-711	14	14	.	.	PUNCT
cuesj-711	15	1	zaincash	zaincash	NOUN
cuesj-711	15	2	is	be	AUX
cuesj-711	15	3	one	one	NUM
cuesj-711	15	4	of	of	ADP
cuesj-711	15	5	the	the	DET
cuesj-711	15	6	most	most	ADV
cuesj-711	15	7	popular	popular	ADJ
cuesj-711	15	8	e	e	NOUN
cuesj-711	15	9	-	-	NOUN
cuesj-711	15	10	wallet	wallet	NOUN
cuesj-711	15	11	payment	payment	NOUN
cuesj-711	15	12	methods	method	NOUN
cuesj-711	15	13	in	in	ADP
cuesj-711	15	14	iraq	iraq	PROPN
cuesj-711	15	15	at	at	ADP
cuesj-711	15	16	the	the	DET
cuesj-711	15	17	moment	moment	NOUN
cuesj-711	15	18	.	.	PUNCT
cuesj-711	16	1	the	the	DET
cuesj-711	16	2	payment	payment	NOUN
cuesj-711	16	3	system	system	NOUN
cuesj-711	16	4	integrated	integrate	VERB
cuesj-711	16	5	with	with	ADP
cuesj-711	16	6	switch	switch	NOUN
cuesj-711	16	7	master	master	NOUN
cuesj-711	16	8	card	card	NOUN
cuesj-711	16	9	allows	allow	VERB
cuesj-711	16	10	users	user	NOUN
cuesj-711	16	11	to	to	PART
cuesj-711	16	12	pay	pay	VERB
cuesj-711	16	13	either	either	CCONJ
cuesj-711	16	14	through	through	ADP
cuesj-711	16	15	the	the	DET
cuesj-711	16	16	e	e	NOUN
cuesj-711	16	17	-	-	NOUN
cuesj-711	16	18	wallet	wallet	NOUN
cuesj-711	16	19	or	or	CCONJ
cuesj-711	16	20	mastercard	mastercard	PROPN
cuesj-711	16	21	to	to	PART
cuesj-711	16	22	pay	pay	VERB
cuesj-711	16	23	for	for	ADP
cuesj-711	16	24	services	service	NOUN
cuesj-711	16	25	offered	offer	VERB
cuesj-711	16	26	by	by	ADP
cuesj-711	16	27	the	the	DET
cuesj-711	16	28	zaincash	zaincash	NOUN
cuesj-711	16	29	app	app	NOUN
cuesj-711	16	30	or	or	CCONJ
cuesj-711	16	31	transfer	transfer	VERB
cuesj-711	16	32	money	money	NOUN
cuesj-711	16	33	to	to	ADP
cuesj-711	16	34	a	a	DET
cuesj-711	16	35	specific	specific	ADJ
cuesj-711	16	36	account	account	NOUN
cuesj-711	16	37	using	use	VERB
cuesj-711	16	38	their	their	PRON
cuesj-711	16	39	number	number	NOUN
cuesj-711	16	40	.	.	PUNCT
cuesj-711	17	1	zaincash	zaincash	NOUN
cuesj-711	17	2	is	be	AUX
cuesj-711	17	3	exclusively	exclusively	ADV
cuesj-711	17	4	available	available	ADJ
cuesj-711	17	5	to	to	ADP
cuesj-711	17	6	owners	owner	NOUN
cuesj-711	17	7	of	of	ADP
cuesj-711	17	8	zain	zain	PROPN
cuesj-711	17	9	phone	phone	NOUN
cuesj-711	17	10	numbers	number	NOUN
cuesj-711	17	11	.	.	PUNCT
cuesj-711	18	1	fastpay	fastpay	NOUN
cuesj-711	18	2	is	be	AUX
cuesj-711	18	3	the	the	DET
cuesj-711	18	4	most	most	ADV
cuesj-711	18	5	widely	widely	ADV
cuesj-711	18	6	used	use	VERB
cuesj-711	18	7	e	e	NOUN
cuesj-711	18	8	-	-	NOUN
cuesj-711	18	9	wallet	wallet	NOUN
cuesj-711	18	10	in	in	ADP
cuesj-711	18	11	kurdistan	kurdistan	PROPN
cuesj-711	18	12	.	.	PUNCT
cuesj-711	19	1	fastpay	fastpay	NOUN
cuesj-711	19	2	enables	enable	VERB
cuesj-711	19	3	users	user	NOUN
cuesj-711	19	4	to	to	PART
cuesj-711	19	5	send	send	VERB
cuesj-711	19	6	and	and	CCONJ
cuesj-711	19	7	receive	receive	VERB
cuesj-711	19	8	money	money	NOUN
cuesj-711	19	9	and	and	CCONJ
cuesj-711	19	10	move	move	VERB
cuesj-711	19	11	funds	fund	NOUN
cuesj-711	19	12	across	across	ADP
cuesj-711	19	13	accounts	account	NOUN
cuesj-711	19	14	without	without	ADP
cuesj-711	19	15	the	the	DET
cuesj-711	19	16	need	need	NOUN
cuesj-711	19	17	to	to	PART
cuesj-711	19	18	have	have	AUX
cuesj-711	19	19	a	a	DET
cuesj-711	19	20	phone	phone	NOUN
cuesj-711	19	21	number	number	NOUN
cuesj-711	19	22	associated	associate	VERB
cuesj-711	19	23	with	with	ADP
cuesj-711	19	24	a	a	DET
cuesj-711	19	25	particular	particular	ADJ
cuesj-711	19	26	network	network	NOUN
cuesj-711	19	27	.	.	PUNCT
cuesj-711	20	1	while	while	SCONJ
cuesj-711	20	2	e	e	NOUN
cuesj-711	20	3	-	-	NOUN
cuesj-711	20	4	wallets	wallet	NOUN
cuesj-711	20	5	are	be	AUX
cuesj-711	20	6	becoming	become	VERB
cuesj-711	20	7	more	more	ADV
cuesj-711	20	8	and	and	CCONJ
cuesj-711	20	9	more	more	ADV
cuesj-711	20	10	common	common	ADJ
cuesj-711	20	11	among	among	ADP
cuesj-711	20	12	people	people	NOUN
cuesj-711	20	13	around	around	ADP
cuesj-711	20	14	the	the	DET
cuesj-711	20	15	world	world	NOUN
cuesj-711	20	16	.	.	PUNCT
cuesj-711	21	1	however	however	ADV
cuesj-711	21	2	,	,	PUNCT
cuesj-711	21	3	due	due	ADP
cuesj-711	21	4	to	to	ADP
cuesj-711	21	5	the	the	DET
cuesj-711	21	6	need	need	NOUN
cuesj-711	21	7	for	for	SCONJ
cuesj-711	21	8	internet	internet	NOUN
cuesj-711	21	9	to	to	PART
cuesj-711	21	10	complete	complete	VERB
cuesj-711	21	11	transactions	transaction	NOUN
cuesj-711	21	12	,	,	PUNCT
cuesj-711	21	13	it	it	PRON
cuesj-711	21	14	develops	develop	VERB
cuesj-711	21	15	in	in	ADP
cuesj-711	21	16	iraq	iraq	PROPN
cuesj-711	21	17	more	more	ADV
cuesj-711	21	18	slowly	slowly	ADV
cuesj-711	21	19	than	than	ADP
cuesj-711	21	20	in	in	ADP
cuesj-711	21	21	other	other	ADJ
cuesj-711	21	22	places	place	NOUN
cuesj-711	21	23	.	.	PUNCT
cuesj-711	22	1	this	this	DET
cuesj-711	22	2	project	project	NOUN
cuesj-711	22	3	focuses	focus	VERB
cuesj-711	22	4	on	on	ADP
cuesj-711	22	5	study	study	NOUN
cuesj-711	22	6	the	the	DET
cuesj-711	22	7	local	local	ADJ
cuesj-711	22	8	e	e	NOUN
cuesj-711	22	9	-	-	NOUN
cuesj-711	22	10	wallet	wallet	NOUN
cuesj-711	22	11	and	and	CCONJ
cuesj-711	22	12	improves	improve	VERB
cuesj-711	22	13	their	their	PRON
cuesj-711	22	14	cashless	cashless	NOUN
cuesj-711	22	15	transaction	transaction	NOUN
cuesj-711	22	16	and	and	CCONJ
cuesj-711	22	17	services	service	NOUN
cuesj-711	22	18	by	by	ADP
cuesj-711	22	19	adding	add	VERB
cuesj-711	22	20	new	new	ADJ
cuesj-711	22	21	features	feature	NOUN
cuesj-711	22	22	in	in	ADP
cuesj-711	22	23	the	the	DET
cuesj-711	22	24	existing	exist	VERB
cuesj-711	22	25	e	e	NOUN
cuesj-711	22	26	-	-	NOUN
cuesj-711	22	27	wallets	wallet	NOUN
cuesj-711	22	28	.	.	PUNCT
cuesj-711	23	1	research	research	NOUN
cuesj-711	23	2	problem	problem	NOUN
cuesj-711	23	3	it	it	PRON
cuesj-711	23	4	is	be	AUX
cuesj-711	23	5	anticipated	anticipate	VERB
cuesj-711	23	6	that	that	SCONJ
cuesj-711	23	7	cashless	cashless	NOUN
cuesj-711	23	8	and	and	CCONJ
cuesj-711	23	9	e	e	NOUN
cuesj-711	23	10	-	-	NOUN
cuesj-711	23	11	wallet	wallet	NOUN
cuesj-711	23	12	services	service	NOUN
cuesj-711	23	13	would	would	AUX
cuesj-711	23	14	account	account	VERB
cuesj-711	23	15	for	for	ADP
cuesj-711	23	16	80	80	NUM
cuesj-711	23	17	%	%	NOUN
cuesj-711	23	18	of	of	ADP
cuesj-711	23	19	total	total	ADJ
cuesj-711	23	20	transaction	transaction	NOUN
cuesj-711	23	21	volume	volume	NOUN
cuesj-711	23	22	between	between	ADP
cuesj-711	23	23	2020	2020	NUM
cuesj-711	23	24	and	and	CCONJ
cuesj-711	23	25	2025[4	2025[4	NUM
cuesj-711	23	26	]	]	PUNCT
cuesj-711	23	27	but	but	CCONJ
cuesj-711	23	28	e	e	NOUN
cuesj-711	23	29	-	-	NOUN
cuesj-711	23	30	wallets	wallet	NOUN
cuesj-711	23	31	grow	grow	VERB
cuesj-711	23	32	slower	slow	ADJ
cuesj-711	23	33	in	in	ADP
cuesj-711	23	34	iraq	iraq	PROPN
cuesj-711	23	35	than	than	ADP
cuesj-711	23	36	in	in	ADP
cuesj-711	23	37	other	other	ADJ
cuesj-711	23	38	cihan	cihan	NOUN
cuesj-711	23	39	university	university	NOUN
cuesj-711	23	40	-	-	PUNCT
cuesj-711	23	41	erbil	erbil	PROPN
cuesj-711	23	42	scientific	scientific	ADJ
cuesj-711	23	43	journal	journal	NOUN
cuesj-711	23	44	(	(	PUNCT
cuesj-711	23	45	cuesj	cuesj	PROPN
cuesj-711	23	46	)	)	PUNCT
cuesj-711	23	47	corresponding	correspond	VERB
cuesj-711	23	48	author	author	NOUN
cuesj-711	23	49	:	:	PUNCT
cuesj-711	23	50	mohammed	mohammed	PROPN
cuesj-711	23	51	h.	h.	PROPN
cuesj-711	23	52	shukur	shukur	PROPN
cuesj-711	23	53	,	,	PUNCT
cuesj-711	23	54	department	department	NOUN
cuesj-711	23	55	of	of	ADP
cuesj-711	23	56	computer	computer	NOUN
cuesj-711	23	57	science	science	NOUN
cuesj-711	23	58	,	,	PUNCT
cuesj-711	23	59	college	college	NOUN
cuesj-711	23	60	of	of	ADP
cuesj-711	23	61	science	science	NOUN
cuesj-711	23	62	,	,	PUNCT
cuesj-711	23	63	chian	chian	ADJ
cuesj-711	23	64	university	university	NOUN
cuesj-711	23	65	-	-	PUNCT
cuesj-711	23	66	erbil	erbil	PROPN
cuesj-711	23	67	,	,	PUNCT
cuesj-711	23	68	kurdistan	kurdistan	PROPN
cuesj-711	23	69	region	region	NOUN
cuesj-711	23	70	,	,	PUNCT
cuesj-711	23	71	iraq	iraq	PROPN
cuesj-711	23	72	.	.	PUNCT
cuesj-711	24	1	e	e	X
cuesj-711	24	2	-	-	NOUN
cuesj-711	24	3	mail	mail	NOUN
cuesj-711	24	4	:	:	PUNCT
cuesj-711	24	5	m.kurd@hotmail.com	m.kurd@hotmail.com	PROPN
cuesj-711	24	6	received	receive	VERB
cuesj-711	24	7	:	:	PUNCT
cuesj-711	24	8	june	june	PROPN
cuesj-711	24	9	20	20	NUM
cuesj-711	24	10	,	,	PUNCT
cuesj-711	24	11	2022	2022	NUM
cuesj-711	24	12	accepted	accept	VERB
cuesj-711	24	13	:	:	PUNCT
cuesj-711	24	14	july	july	PROPN
cuesj-711	24	15	18	18	NUM
cuesj-711	24	16	,	,	PUNCT
cuesj-711	24	17	2022	2022	NUM
cuesj-711	24	18	published	publish	VERB
cuesj-711	24	19	:	:	PUNCT
cuesj-711	24	20	august	august	PROPN
cuesj-711	24	21	05	05	NUM
cuesj-711	24	22	,	,	PUNCT
cuesj-711	24	23	2022	2022	NUM
cuesj-711	24	24	doi	doi	NOUN
cuesj-711	24	25	:	:	PUNCT
cuesj-711	24	26	10.24086	10.24086	NUM
cuesj-711	24	27	/	/	SYM
cuesj-711	24	28	cuesj.v6n2y2022.pp23	cuesj.v6n2y2022.pp23	NUM
cuesj-711	24	29	-	-	SYM
cuesj-711	24	30	27	27	NUM
cuesj-711	24	31	copyright	copyright	NOUN
cuesj-711	24	32	©	©	PROPN
cuesj-711	24	33	2022	2022	NUM
cuesj-711	24	34	mohammed	mohammed	PROPN
cuesj-711	24	35	h.	h.	PROPN
cuesj-711	24	36	shukur	shukur	PROPN
cuesj-711	24	37	,	,	PUNCT
cuesj-711	24	38	reem	reem	PROPN
cuesj-711	24	39	j.	j.	PROPN
cuesj-711	24	40	ismail	ismail	PROPN
cuesj-711	24	41	,	,	PUNCT
cuesj-711	24	42	laith	laith	PROPN
cuesj-711	24	43	r.	r.	PROPN
cuesj-711	24	44	flaih	flaih	PROPN
cuesj-711	24	45	.	.	PUNCT
cuesj-711	25	1	this	this	PRON
cuesj-711	25	2	is	be	AUX
cuesj-711	25	3	an	an	DET
cuesj-711	25	4	open	open	ADJ
cuesj-711	25	5	-	-	PUNCT
cuesj-711	25	6	access	access	NOUN
cuesj-711	25	7	article	article	NOUN
cuesj-711	25	8	distributed	distribute	VERB
cuesj-711	25	9	under	under	ADP
cuesj-711	25	10	the	the	DET
cuesj-711	25	11	creative	creative	ADJ
cuesj-711	25	12	commons	common	NOUN
cuesj-711	25	13	attribution	attribution	NOUN
cuesj-711	25	14	license	license	NOUN
cuesj-711	25	15	(	(	PUNCT
cuesj-711	25	16	cc	cc	NOUN
cuesj-711	25	17	by	by	ADP
cuesj-711	25	18	-	-	PUNCT
cuesj-711	25	19	nc	nc	VERB
cuesj-711	25	20	-	-	PROPN
cuesj-711	25	21	nd	nd	PRON
cuesj-711	25	22	4.0	4.0	NUM
cuesj-711	25	23	)	)	PUNCT
cuesj-711	25	24	shukur	shukur	NOUN
cuesj-711	25	25	,	,	PUNCT
cuesj-711	25	26	et	et	PROPN
cuesj-711	25	27	al	al	PROPN
cuesj-711	25	28	.	.	PUNCT
cuesj-711	25	29	:	:	PUNCT
cuesj-711	26	1	a	a	DET
cuesj-711	26	2	secure	secure	ADJ
cuesj-711	26	3	hybrid	hybrid	ADJ
cuesj-711	26	4	approach	approach	NOUN
cuesj-711	26	5	for	for	ADP
cuesj-711	26	6	e	e	NOUN
cuesj-711	26	7	-	-	NOUN
cuesj-711	26	8	wallet	wallet	NOUN
cuesj-711	26	9	payment	payment	NOUN
cuesj-711	26	10	system	system	NOUN
cuesj-711	26	11	24	24	NUM
cuesj-711	26	12	http://journals.cihanuniversity.edu.iq/index.php/cuesj	http://journals.cihanuniversity.edu.iq/index.php/cuesj	ADJ
cuesj-711	26	13	cuesj	cuesj	ADJ
cuesj-711	26	14	2022	2022	NUM
cuesj-711	26	15	,	,	PUNCT
cuesj-711	26	16	6	6	NUM
cuesj-711	26	17	(	(	PUNCT
cuesj-711	26	18	2	2	NUM
cuesj-711	26	19	):	):	PUNCT
cuesj-711	26	20	23	23	NUM
cuesj-711	26	21	-	-	SYM
cuesj-711	26	22	27	27	NUM
cuesj-711	26	23	parts	part	NOUN
cuesj-711	26	24	of	of	ADP
cuesj-711	26	25	the	the	DET
cuesj-711	26	26	world	world	NOUN
cuesj-711	26	27	.	.	PUNCT
cuesj-711	27	1	users	user	NOUN
cuesj-711	27	2	are	be	AUX
cuesj-711	27	3	using	use	VERB
cuesj-711	27	4	e	e	NOUN
cuesj-711	27	5	-	-	NOUN
cuesj-711	27	6	wallets	wallet	NOUN
cuesj-711	27	7	to	to	PART
cuesj-711	27	8	prepaid	prepaid	VERB
cuesj-711	27	9	mobile	mobile	ADJ
cuesj-711	27	10	reloading	reloading	NOUN
cuesj-711	27	11	,	,	PUNCT
cuesj-711	27	12	online	online	ADJ
cuesj-711	27	13	card	card	NOUN
cuesj-711	27	14	purchases	purchase	NOUN
cuesj-711	27	15	,	,	PUNCT
cuesj-711	27	16	get	get	VERB
cuesj-711	27	17	some	some	DET
cuesj-711	27	18	services	service	NOUN
cuesj-711	27	19	and	and	CCONJ
cuesj-711	27	20	money	money	NOUN
cuesj-711	27	21	transfer	transfer	NOUN
cuesj-711	27	22	.	.	PUNCT
cuesj-711	28	1	iraq	iraq	PROPN
cuesj-711	28	2	may	may	AUX
cuesj-711	28	3	transition	transition	VERB
cuesj-711	28	4	from	from	ADP
cuesj-711	28	5	cash	cash	NOUN
cuesj-711	28	6	to	to	ADP
cuesj-711	28	7	cashless	cashless	NOUN
cuesj-711	28	8	payments	payment	NOUN
cuesj-711	28	9	following	follow	VERB
cuesj-711	28	10	an	an	DET
cuesj-711	28	11	increase	increase	NOUN
cuesj-711	28	12	in	in	ADP
cuesj-711	28	13	cashless	cashless	NOUN
cuesj-711	28	14	payments	payment	NOUN
cuesj-711	28	15	.	.	PUNCT
cuesj-711	29	1	e	e	X
cuesj-711	29	2	-	-	NOUN
cuesj-711	29	3	payment	payment	NOUN
cuesj-711	29	4	is	be	AUX
cuesj-711	29	5	regarded	regard	VERB
cuesj-711	29	6	as	as	ADP
cuesj-711	29	7	critical	critical	ADJ
cuesj-711	29	8	for	for	ADP
cuesj-711	29	9	the	the	DET
cuesj-711	29	10	productivity	productivity	NOUN
cuesj-711	29	11	and	and	CCONJ
cuesj-711	29	12	efficiency.[5	efficiency.[5	ADJ
cuesj-711	29	13	]	]	X
cuesj-711	29	14	our	our	PRON
cuesj-711	29	15	research	research	NOUN
cuesj-711	29	16	identifies	identify	VERB
cuesj-711	29	17	the	the	DET
cuesj-711	29	18	current	current	ADJ
cuesj-711	29	19	e	e	NOUN
cuesj-711	29	20	-	-	NOUN
cuesj-711	29	21	wallet	wallet	NOUN
cuesj-711	29	22	features	feature	NOUN
cuesj-711	29	23	,	,	PUNCT
cuesj-711	29	24	convenience	convenience	NOUN
cuesj-711	29	25	,	,	PUNCT
cuesj-711	29	26	perceived	perceive	VERB
cuesj-711	29	27	trust	trust	NOUN
cuesj-711	29	28	,	,	PUNCT
cuesj-711	29	29	and	and	CCONJ
cuesj-711	29	30	customer	customer	NOUN
cuesj-711	29	31	satisfaction	satisfaction	NOUN
cuesj-711	29	32	factors	factor	NOUN
cuesj-711	29	33	influencing	influence	VERB
cuesj-711	29	34	consumers	consumer	NOUN
cuesj-711	29	35	’	'	PUNCT
cuesj-711	29	36	proclivity	proclivity	NOUN
cuesj-711	29	37	to	to	PART
cuesj-711	29	38	use	use	VERB
cuesj-711	29	39	e	e	NOUN
cuesj-711	29	40	-	-	NOUN
cuesj-711	29	41	wallets	wallet	NOUN
cuesj-711	29	42	through	through	ADP
cuesj-711	29	43	survey	survey	NOUN
cuesj-711	29	44	and	and	CCONJ
cuesj-711	29	45	application	application	NOUN
cuesj-711	29	46	reviews	review	NOUN
cuesj-711	29	47	.	.	PUNCT
cuesj-711	30	1	in	in	ADP
cuesj-711	30	2	addition	addition	NOUN
cuesj-711	30	3	,	,	PUNCT
cuesj-711	30	4	developing	develop	VERB
cuesj-711	30	5	new	new	ADJ
cuesj-711	30	6	features	feature	NOUN
cuesj-711	30	7	and	and	CCONJ
cuesj-711	30	8	add	add	VERB
cuesj-711	30	9	new	new	ADJ
cuesj-711	30	10	function	function	NOUN
cuesj-711	30	11	to	to	ADP
cuesj-711	30	12	current	current	ADJ
cuesj-711	30	13	e	e	NOUN
cuesj-711	30	14	-	-	NOUN
cuesj-711	30	15	wallets	wallet	NOUN
cuesj-711	30	16	will	will	AUX
cuesj-711	30	17	raise	raise	VERB
cuesj-711	30	18	usability	usability	NOUN
cuesj-711	30	19	,	,	PUNCT
cuesj-711	30	20	functionality	functionality	NOUN
cuesj-711	30	21	,	,	PUNCT
cuesj-711	30	22	convenience	convenience	NOUN
cuesj-711	30	23	,	,	PUNCT
cuesj-711	30	24	and	and	CCONJ
cuesj-711	30	25	perceive	perceive	ADJ
cuesj-711	30	26	trust	trust	NOUN
cuesj-711	30	27	.	.	PUNCT
cuesj-711	31	1	methodology	methodology	NOUN
cuesj-711	31	2	this	this	DET
cuesj-711	31	3	method	method	NOUN
cuesj-711	31	4	employed	employ	VERB
cuesj-711	31	5	the	the	DET
cuesj-711	31	6	extreme	extreme	ADJ
cuesj-711	31	7	programming	programming	NOUN
cuesj-711	31	8	methodology	methodology	NOUN
cuesj-711	31	9	to	to	PART
cuesj-711	31	10	create	create	VERB
cuesj-711	31	11	this	this	DET
cuesj-711	31	12	project	project	NOUN
cuesj-711	31	13	.	.	PUNCT
cuesj-711	32	1	extreme	extreme	ADJ
cuesj-711	32	2	programming	programming	NOUN
cuesj-711	32	3	is	be	AUX
cuesj-711	32	4	an	an	DET
cuesj-711	32	5	agile	agile	ADJ
cuesj-711	32	6	methodology	methodology	NOUN
cuesj-711	32	7	.	.	PUNCT
cuesj-711	33	1	the	the	DET
cuesj-711	33	2	main	main	ADJ
cuesj-711	33	3	goal	goal	NOUN
cuesj-711	33	4	is	be	AUX
cuesj-711	33	5	to	to	PART
cuesj-711	33	6	enable	enable	VERB
cuesj-711	33	7	project	project	NOUN
cuesj-711	33	8	changes	change	NOUN
cuesj-711	33	9	in	in	ADP
cuesj-711	33	10	response	response	NOUN
cuesj-711	33	11	to	to	ADP
cuesj-711	33	12	changing	change	VERB
cuesj-711	33	13	circumstances	circumstance	NOUN
cuesj-711	33	14	or	or	CCONJ
cuesj-711	33	15	customer	customer	NOUN
cuesj-711	33	16	requirements	requirement	NOUN
cuesj-711	33	17	,	,	PUNCT
cuesj-711	33	18	even	even	ADV
cuesj-711	33	19	late	late	ADV
cuesj-711	33	20	in	in	ADP
cuesj-711	33	21	the	the	DET
cuesj-711	33	22	project	project	NOUN
cuesj-711	33	23	’s	’s	PART
cuesj-711	33	24	life	life	NOUN
cuesj-711	33	25	cycle	cycle	NOUN
cuesj-711	33	26	.	.	PUNCT
cuesj-711	34	1	feedback	feedback	NOUN
cuesj-711	34	2	and	and	CCONJ
cuesj-711	34	3	communication	communication	NOUN
cuesj-711	34	4	are	be	AUX
cuesj-711	34	5	viewed	view	VERB
cuesj-711	34	6	as	as	ADP
cuesj-711	34	7	critical	critical	ADJ
cuesj-711	34	8	components	component	NOUN
cuesj-711	34	9	of	of	ADP
cuesj-711	34	10	improving	improve	VERB
cuesj-711	34	11	software	software	NOUN
cuesj-711	34	12	development	development	NOUN
cuesj-711	34	13	.	.	PUNCT
cuesj-711	35	1	we	we	PRON
cuesj-711	35	2	can	can	AUX
cuesj-711	35	3	connect	connect	VERB
cuesj-711	35	4	with	with	ADP
cuesj-711	35	5	users	user	NOUN
cuesj-711	35	6	by	by	ADP
cuesj-711	35	7	testing	test	VERB
cuesj-711	35	8	the	the	DET
cuesj-711	35	9	application	application	NOUN
cuesj-711	35	10	and	and	CCONJ
cuesj-711	35	11	soliciting	solicit	VERB
cuesj-711	35	12	comments	comment	NOUN
cuesj-711	35	13	on	on	ADP
cuesj-711	35	14	improving	improve	VERB
cuesj-711	35	15	or	or	CCONJ
cuesj-711	35	16	adding	add	VERB
cuesj-711	35	17	to	to	ADP
cuesj-711	35	18	the	the	DET
cuesj-711	35	19	software	software	NOUN
cuesj-711	35	20	(	(	PUNCT
cuesj-711	35	21	if	if	SCONJ
cuesj-711	35	22	any	any	PRON
cuesj-711	35	23	)	)	PUNCT
cuesj-711	35	24	.	.	PUNCT
cuesj-711	36	1	these	these	DET
cuesj-711	36	2	criteria	criterion	NOUN
cuesj-711	36	3	assist	assist	VERB
cuesj-711	36	4	developers	developer	NOUN
cuesj-711	36	5	in	in	ADP
cuesj-711	36	6	adapting	adapt	VERB
cuesj-711	36	7	to	to	ADP
cuesj-711	36	8	new	new	ADJ
cuesj-711	36	9	requirements	requirement	NOUN
cuesj-711	36	10	and	and	CCONJ
cuesj-711	36	11	technologies	technology	NOUN
cuesj-711	36	12	.	.	PUNCT
cuesj-711	37	1	the	the	DET
cuesj-711	37	2	extreme	extreme	ADJ
cuesj-711	37	3	programming	programming	NOUN
cuesj-711	37	4	process	process	NOUN
cuesj-711	37	5	is	be	AUX
cuesj-711	37	6	divided	divide	VERB
cuesj-711	37	7	into	into	ADP
cuesj-711	37	8	three	three	NUM
cuesj-711	37	9	stages	stage	NOUN
cuesj-711	37	10	,	,	PUNCT
cuesj-711	37	11	and	and	CCONJ
cuesj-711	37	12	the	the	DET
cuesj-711	37	13	following	follow	VERB
cuesj-711	37	14	sections	section	NOUN
cuesj-711	37	15	detail	detail	VERB
cuesj-711	37	16	each	each	DET
cuesj-711	37	17	stage	stage	NOUN
cuesj-711	37	18	in	in	ADP
cuesj-711	37	19	detail	detail	NOUN
cuesj-711	37	20	:	:	PUNCT
cuesj-711	37	21	fact	fact	NOUN
cuesj-711	37	22	finding	finding	NOUN
cuesj-711	37	23	:	:	PUNCT
cuesj-711	37	24	survey	survey	VERB
cuesj-711	37	25	the	the	DET
cuesj-711	37	26	survey	survey	NOUN
cuesj-711	37	27	aims	aim	VERB
cuesj-711	37	28	to	to	PART
cuesj-711	37	29	put	put	VERB
cuesj-711	37	30	hand	hand	NOUN
cuesj-711	37	31	on	on	ADP
cuesj-711	37	32	the	the	DET
cuesj-711	37	33	current	current	ADJ
cuesj-711	37	34	issue	issue	NOUN
cuesj-711	37	35	to	to	PART
cuesj-711	37	36	design	design	VERB
cuesj-711	37	37	a	a	DET
cuesj-711	37	38	new	new	ADJ
cuesj-711	37	39	perspectives	perspective	NOUN
cuesj-711	37	40	and	and	CCONJ
cuesj-711	37	41	features	feature	NOUN
cuesj-711	37	42	to	to	ADP
cuesj-711	37	43	local	local	ADJ
cuesj-711	37	44	e	e	NOUN
cuesj-711	37	45	-	-	NOUN
cuesj-711	37	46	wallets	wallet	NOUN
cuesj-711	37	47	.	.	PUNCT
cuesj-711	38	1	we	we	PRON
cuesj-711	38	2	conducted	conduct	VERB
cuesj-711	38	3	a	a	DET
cuesj-711	38	4	survey	survey	NOUN
cuesj-711	38	5	of	of	ADP
cuesj-711	38	6	erbil	erbil	PROPN
cuesj-711	38	7	residents	resident	NOUN
cuesj-711	38	8	.	.	PUNCT
cuesj-711	39	1	residents	resident	NOUN
cuesj-711	39	2	of	of	ADP
cuesj-711	39	3	various	various	ADJ
cuesj-711	39	4	ethnicities	ethnicity	NOUN
cuesj-711	39	5	and	and	CCONJ
cuesj-711	39	6	ages	age	NOUN
cuesj-711	39	7	are	be	AUX
cuesj-711	39	8	represented	represent	VERB
cuesj-711	39	9	,	,	PUNCT
cuesj-711	39	10	including	include	VERB
cuesj-711	39	11	students	student	NOUN
cuesj-711	39	12	,	,	PUNCT
cuesj-711	39	13	employed	employ	VERB
cuesj-711	39	14	,	,	PUNCT
cuesj-711	39	15	jobless	jobless	ADJ
cuesj-711	39	16	,	,	PUNCT
cuesj-711	39	17	self	self	NOUN
cuesj-711	39	18	-	-	PUNCT
cuesj-711	39	19	employed	employ	VERB
cuesj-711	39	20	,	,	PUNCT
cuesj-711	39	21	and	and	CCONJ
cuesj-711	39	22	retired	retire	VERB
cuesj-711	39	23	.	.	PUNCT
cuesj-711	40	1	the	the	DET
cuesj-711	40	2	online	online	ADJ
cuesj-711	40	3	survey	survey	NOUN
cuesj-711	40	4	,	,	PUNCT
cuesj-711	40	5	which	which	PRON
cuesj-711	40	6	was	be	AUX
cuesj-711	40	7	conducted	conduct	VERB
cuesj-711	40	8	across	across	ADP
cuesj-711	40	9	many	many	ADJ
cuesj-711	40	10	platforms	platform	NOUN
cuesj-711	40	11	,	,	PUNCT
cuesj-711	40	12	attracted	attract	VERB
cuesj-711	40	13	a	a	DET
cuesj-711	40	14	total	total	NOUN
cuesj-711	40	15	of	of	ADP
cuesj-711	40	16	250	250	NUM
cuesj-711	40	17	respondents	respondent	NOUN
cuesj-711	40	18	.	.	PUNCT
cuesj-711	41	1	its	its	PRON
cuesj-711	41	2	shows	show	NOUN
cuesj-711	41	3	145	145	NUM
cuesj-711	41	4	users	user	NOUN
cuesj-711	41	5	have	have	VERB
cuesj-711	41	6	no	no	DET
cuesj-711	41	7	e	e	NOUN
cuesj-711	41	8	-	-	NOUN
cuesj-711	41	9	wallet	wallet	NOUN
cuesj-711	41	10	application	application	NOUN
cuesj-711	41	11	,	,	PUNCT
cuesj-711	41	12	while	while	SCONJ
cuesj-711	41	13	only	only	ADV
cuesj-711	41	14	105	105	NUM
cuesj-711	41	15	has	have	VERB
cuesj-711	41	16	e	e	NOUN
cuesj-711	41	17	-	-	NOUN
cuesj-711	41	18	wallet	wallet	NOUN
cuesj-711	41	19	application	application	NOUN
cuesj-711	41	20	.	.	PUNCT
cuesj-711	42	1	high	high	ADJ
cuesj-711	42	2	percentage	percentage	NOUN
cuesj-711	42	3	are	be	AUX
cuesj-711	42	4	using	use	VERB
cuesj-711	42	5	their	their	PRON
cuesj-711	42	6	cash	cash	NOUN
cuesj-711	42	7	as	as	SCONJ
cuesj-711	42	8	they	they	PRON
cuesj-711	42	9	do	do	AUX
cuesj-711	42	10	not	not	PART
cuesj-711	42	11	need	need	VERB
cuesj-711	42	12	cashless	cashless	NOUN
cuesj-711	42	13	payment	payment	NOUN
cuesj-711	42	14	in	in	ADP
cuesj-711	42	15	their	their	PRON
cuesj-711	42	16	daily	daily	ADJ
cuesj-711	42	17	activities	activity	NOUN
cuesj-711	42	18	[	[	X
cuesj-711	42	19	figure	figure	NOUN
cuesj-711	42	20	1	1	NUM
cuesj-711	42	21	]	]	PUNCT
cuesj-711	42	22	.	.	PUNCT
cuesj-711	43	1	figure	figure	NOUN
cuesj-711	43	2	2	2	NUM
cuesj-711	43	3	shows	show	VERB
cuesj-711	43	4	that	that	SCONJ
cuesj-711	43	5	69	69	NUM
cuesj-711	43	6	%	%	NOUN
cuesj-711	43	7	of	of	ADP
cuesj-711	43	8	e	e	NOUN
cuesj-711	43	9	-	-	NOUN
cuesj-711	43	10	wallet	wallet	NOUN
cuesj-711	43	11	users	user	NOUN
cuesj-711	43	12	use	use	VERB
cuesj-711	43	13	the	the	DET
cuesj-711	43	14	fastpay	fastpay	NOUN
cuesj-711	43	15	application	application	NOUN
cuesj-711	43	16	,	,	PUNCT
cuesj-711	43	17	according	accord	VERB
cuesj-711	43	18	to	to	ADP
cuesj-711	43	19	which	which	PRON
cuesj-711	43	20	e	e	NOUN
cuesj-711	43	21	-	-	NOUN
cuesj-711	43	22	wallet	wallet	NOUN
cuesj-711	43	23	is	be	AUX
cuesj-711	43	24	used	use	VERB
cuesj-711	43	25	.	.	PUNCT
cuesj-711	44	1	in	in	ADP
cuesj-711	44	2	response	response	NOUN
cuesj-711	44	3	to	to	ADP
cuesj-711	44	4	whether	whether	SCONJ
cuesj-711	44	5	,	,	PUNCT
cuesj-711	44	6	they	they	PRON
cuesj-711	44	7	keep	keep	VERB
cuesj-711	44	8	money	money	NOUN
cuesj-711	44	9	in	in	ADP
cuesj-711	44	10	their	their	PRON
cuesj-711	44	11	e	e	NOUN
cuesj-711	44	12	-	-	NOUN
cuesj-711	44	13	wallet	wallet	NOUN
cuesj-711	44	14	to	to	PART
cuesj-711	44	15	determine	determine	VERB
cuesj-711	44	16	if	if	SCONJ
cuesj-711	44	17	they	they	PRON
cuesj-711	44	18	have	have	VERB
cuesj-711	44	19	daily	daily	ADJ
cuesj-711	44	20	transactions	transaction	NOUN
cuesj-711	44	21	.	.	PUNCT
cuesj-711	45	1	about	about	ADV
cuesj-711	45	2	51	51	NUM
cuesj-711	45	3	%	%	NOUN
cuesj-711	45	4	of	of	ADP
cuesj-711	45	5	users	user	NOUN
cuesj-711	45	6	say	say	VERB
cuesj-711	45	7	that	that	SCONJ
cuesj-711	45	8	they	they	PRON
cuesj-711	45	9	do	do	AUX
cuesj-711	45	10	not	not	PART
cuesj-711	45	11	keep	keep	VERB
cuesj-711	45	12	money	money	NOUN
cuesj-711	45	13	in	in	ADP
cuesj-711	45	14	their	their	PRON
cuesj-711	45	15	e	e	NOUN
cuesj-711	45	16	-	-	NOUN
cuesj-711	45	17	wallet	wallet	NOUN
cuesj-711	45	18	and	and	CCONJ
cuesj-711	45	19	only	only	ADV
cuesj-711	45	20	reload	reload	VERB
cuesj-711	45	21	their	their	PRON
cuesj-711	45	22	accounts	account	NOUN
cuesj-711	45	23	when	when	SCONJ
cuesj-711	45	24	e	e	NOUN
cuesj-711	45	25	-	-	NOUN
cuesj-711	45	26	payments	payment	NOUN
cuesj-711	45	27	are	be	AUX
cuesj-711	45	28	needed	need	VERB
cuesj-711	45	29	.	.	PUNCT
cuesj-711	46	1	they	they	PRON
cuesj-711	46	2	do	do	AUX
cuesj-711	46	3	not	not	PART
cuesj-711	46	4	have	have	VERB
cuesj-711	46	5	daily	daily	ADJ
cuesj-711	46	6	transactions	transaction	NOUN
cuesj-711	46	7	[	[	X
cuesj-711	46	8	figure	figure	NOUN
cuesj-711	46	9	3	3	NUM
cuesj-711	46	10	]	]	PUNCT
cuesj-711	46	11	.	.	PUNCT
cuesj-711	47	1	to	to	PART
cuesj-711	47	2	determine	determine	VERB
cuesj-711	47	3	e	e	NOUN
cuesj-711	47	4	-	-	NOUN
cuesj-711	47	5	wallet	wallet	NOUN
cuesj-711	47	6	capabilities	capability	NOUN
cuesj-711	47	7	,	,	PUNCT
cuesj-711	47	8	they	they	PRON
cuesj-711	47	9	respond	respond	VERB
cuesj-711	47	10	to	to	ADP
cuesj-711	47	11	the	the	DET
cuesj-711	47	12	type	type	NOUN
cuesj-711	47	13	of	of	ADP
cuesj-711	47	14	transactions	transaction	NOUN
cuesj-711	47	15	they	they	PRON
cuesj-711	47	16	use	use	VERB
cuesj-711	47	17	.	.	PUNCT
cuesj-711	48	1	table	table	NOUN
cuesj-711	48	2	1	1	NUM
cuesj-711	48	3	shows	show	VERB
cuesj-711	48	4	that	that	SCONJ
cuesj-711	48	5	six	six	NUM
cuesj-711	48	6	out	out	ADP
cuesj-711	48	7	of	of	ADP
cuesj-711	48	8	11	11	NUM
cuesj-711	48	9	online	online	ADJ
cuesj-711	48	10	services	service	NOUN
cuesj-711	48	11	were	be	AUX
cuesj-711	48	12	used	use	VERB
cuesj-711	48	13	,	,	PUNCT
cuesj-711	48	14	while	while	SCONJ
cuesj-711	48	15	five	five	NUM
cuesj-711	48	16	transactions	transaction	NOUN
cuesj-711	48	17	were	be	AUX
cuesj-711	48	18	not	not	PART
cuesj-711	48	19	covered	cover	VERB
cuesj-711	48	20	in	in	ADP
cuesj-711	48	21	e	e	NOUN
cuesj-711	48	22	-	-	NOUN
cuesj-711	48	23	wallet	wallet	NOUN
cuesj-711	48	24	services	service	NOUN
cuesj-711	48	25	.	.	PUNCT
cuesj-711	49	1	in	in	ADP
cuesj-711	49	2	response	response	NOUN
cuesj-711	49	3	to	to	ADP
cuesj-711	49	4	the	the	DET
cuesj-711	49	5	question	question	NOUN
cuesj-711	49	6	of	of	ADP
cuesj-711	49	7	whether	whether	SCONJ
cuesj-711	49	8	they	they	PRON
cuesj-711	49	9	had	have	AUX
cuesj-711	49	10	access	access	NOUN
cuesj-711	49	11	to	to	ADP
cuesj-711	49	12	the	the	DET
cuesj-711	49	13	internet	internet	NOUN
cuesj-711	49	14	at	at	ADP
cuesj-711	49	15	the	the	DET
cuesj-711	49	16	time	time	NOUN
cuesj-711	49	17	of	of	ADP
cuesj-711	49	18	purchase	purchase	NOUN
cuesj-711	49	19	.	.	PUNCT
cuesj-711	50	1	about	about	ADV
cuesj-711	50	2	59	59	NUM
cuesj-711	50	3	%	%	NOUN
cuesj-711	50	4	of	of	ADP
cuesj-711	50	5	users	user	NOUN
cuesj-711	50	6	report	report	VERB
cuesj-711	50	7	that	that	SCONJ
cuesj-711	50	8	they	they	PRON
cuesj-711	50	9	were	be	AUX
cuesj-711	50	10	not	not	PART
cuesj-711	50	11	connected	connect	VERB
cuesj-711	50	12	to	to	ADP
cuesj-711	50	13	the	the	DET
cuesj-711	50	14	internet	internet	NOUN
cuesj-711	50	15	at	at	ADP
cuesj-711	50	16	the	the	DET
cuesj-711	50	17	time	time	NOUN
cuesj-711	50	18	of	of	ADP
cuesj-711	50	19	purchase	purchase	NOUN
cuesj-711	50	20	;	;	PUNCT
cuesj-711	50	21	the	the	DET
cuesj-711	50	22	highest	high	ADJ
cuesj-711	50	23	rates	rate	NOUN
cuesj-711	50	24	of	of	ADP
cuesj-711	50	25	internet	internet	NOUN
cuesj-711	50	26	usage	usage	NOUN
cuesj-711	50	27	occurred	occur	VERB
cuesj-711	50	28	at	at	ADP
cuesj-711	50	29	home	home	NOUN
cuesj-711	50	30	or	or	CCONJ
cuesj-711	50	31	work	work	NOUN
cuesj-711	50	32	.	.	PUNCT
cuesj-711	51	1	wallet	wallet	NOUN
cuesj-711	51	2	owner	owner	PROPN
cuesj-711	51	3	internet	internet	NOUN
cuesj-711	51	4	location	location	NOUN
cuesj-711	51	5	percentage	percentage	NOUN
cuesj-711	51	6	home	home	NOUN
cuesj-711	51	7	100	100	NUM
cuesj-711	51	8	work	work	NOUN
cuesj-711	51	9	85	85	NUM
cuesj-711	51	10	malls	mall	NOUN
cuesj-711	51	11	and	and	CCONJ
cuesj-711	51	12	market	market	NOUN
cuesj-711	51	13	41	41	NUM
cuesj-711	51	14	the	the	DET
cuesj-711	51	15	survey	survey	NOUN
cuesj-711	51	16	reveals	reveal	VERB
cuesj-711	51	17	that	that	SCONJ
cuesj-711	51	18	current	current	ADJ
cuesj-711	51	19	e	e	NOUN
cuesj-711	51	20	-	-	NOUN
cuesj-711	51	21	wallet	wallet	NOUN
cuesj-711	51	22	issues	issue	NOUN
cuesj-711	51	23	have	have	AUX
cuesj-711	51	24	been	be	AUX
cuesj-711	51	25	identified	identify	VERB
cuesj-711	51	26	and	and	CCONJ
cuesj-711	51	27	listed	list	VERB
cuesj-711	51	28	below	below	ADP
cuesj-711	51	29	:	:	PUNCT
cuesj-711	51	30	•	•	NUM
cuesj-711	51	31	large	large	ADJ
cuesj-711	51	32	number	number	NOUN
cuesj-711	51	33	of	of	ADP
cuesj-711	51	34	users	user	NOUN
cuesj-711	51	35	who	who	PRON
cuesj-711	51	36	do	do	AUX
cuesj-711	51	37	not	not	PART
cuesj-711	51	38	have	have	VERB
cuesj-711	51	39	access	access	NOUN
cuesj-711	51	40	to	to	ADP
cuesj-711	51	41	the	the	DET
cuesj-711	51	42	internet	internet	NOUN
cuesj-711	51	43	at	at	ADP
cuesj-711	51	44	the	the	DET
cuesj-711	51	45	time	time	NOUN
cuesj-711	51	46	of	of	ADP
cuesj-711	51	47	purchase	purchase	NOUN
cuesj-711	51	48	figure	figure	NOUN
cuesj-711	51	49	1	1	NUM
cuesj-711	51	50	:	:	PUNCT
cuesj-711	51	51	e	e	NOUN
cuesj-711	51	52	-	-	NOUN
cuesj-711	51	53	wallet	wallet	NOUN
cuesj-711	51	54	usage	usage	NOUN
cuesj-711	51	55	figure	figure	NOUN
cuesj-711	51	56	3	3	NUM
cuesj-711	51	57	:	:	PUNCT
cuesj-711	51	58	maintain	maintain	VERB
cuesj-711	51	59	money	money	NOUN
cuesj-711	51	60	in	in	ADP
cuesj-711	51	61	e	e	NOUN
cuesj-711	51	62	-	-	NOUN
cuesj-711	51	63	wallet	wallet	NOUN
cuesj-711	51	64	figure	figure	NOUN
cuesj-711	51	65	2	2	NUM
cuesj-711	51	66	:	:	PUNCT
cuesj-711	51	67	e	e	NOUN
cuesj-711	51	68	-	-	NOUN
cuesj-711	51	69	wallet	wallet	NOUN
cuesj-711	51	70	application	application	NOUN
cuesj-711	51	71	share	share	NOUN
cuesj-711	51	72	shukur	shukur	PROPN
cuesj-711	51	73	,	,	PUNCT
cuesj-711	51	74	et	et	PROPN
cuesj-711	51	75	al	al	PROPN
cuesj-711	51	76	.	.	PUNCT
cuesj-711	51	77	:	:	PUNCT
cuesj-711	52	1	a	a	DET
cuesj-711	52	2	secure	secure	ADJ
cuesj-711	52	3	hybrid	hybrid	ADJ
cuesj-711	52	4	approach	approach	NOUN
cuesj-711	52	5	for	for	ADP
cuesj-711	52	6	e	e	NOUN
cuesj-711	52	7	-	-	NOUN
cuesj-711	52	8	wallet	wallet	NOUN
cuesj-711	52	9	payment	payment	NOUN
cuesj-711	52	10	system	system	NOUN
cuesj-711	52	11	25	25	NUM
cuesj-711	52	12	http://journals.cihanuniversity.edu.iq/index.php/cuesj	http://journals.cihanuniversity.edu.iq/index.php/cuesj	ADJ
cuesj-711	52	13	cuesj	cuesj	ADJ
cuesj-711	52	14	2022	2022	NUM
cuesj-711	52	15	,	,	PUNCT
cuesj-711	52	16	6	6	NUM
cuesj-711	52	17	(	(	PUNCT
cuesj-711	52	18	2	2	NUM
cuesj-711	52	19	):	):	PUNCT
cuesj-711	52	20	23	23	NUM
cuesj-711	52	21	-	-	SYM
cuesj-711	52	22	27	27	NUM
cuesj-711	52	23	•	•	NUM
cuesj-711	52	24	e	e	NOUN
cuesj-711	52	25	-	-	NOUN
cuesj-711	52	26	wallets	wallet	NOUN
cuesj-711	52	27	do	do	AUX
cuesj-711	52	28	not	not	PART
cuesj-711	52	29	support	support	VERB
cuesj-711	52	30	offline	offline	ADJ
cuesj-711	52	31	transaction	transaction	NOUN
cuesj-711	52	32	•	•	ADP
cuesj-711	52	33	e	e	NOUN
cuesj-711	52	34	-	-	NOUN
cuesj-711	52	35	wallets	wallet	NOUN
cuesj-711	52	36	do	do	AUX
cuesj-711	52	37	not	not	PART
cuesj-711	52	38	offer	offer	VERB
cuesj-711	52	39	touch	touch	VERB
cuesj-711	52	40	and	and	CCONJ
cuesj-711	52	41	go	go	VERB
cuesj-711	52	42	payments	payment	NOUN
cuesj-711	52	43	planning	planning	NOUN
cuesj-711	52	44	we	we	PRON
cuesj-711	52	45	looked	look	VERB
cuesj-711	52	46	for	for	ADP
cuesj-711	52	47	related	related	ADJ
cuesj-711	52	48	scenarios	scenario	NOUN
cuesj-711	52	49	and	and	CCONJ
cuesj-711	52	50	cases	case	NOUN
cuesj-711	52	51	that	that	PRON
cuesj-711	52	52	may	may	AUX
cuesj-711	52	53	help	help	AUX
cuesj-711	52	54	clarify	clarify	VERB
cuesj-711	52	55	and	and	CCONJ
cuesj-711	52	56	validate	validate	VERB
cuesj-711	52	57	the	the	DET
cuesj-711	52	58	problem	problem	NOUN
cuesj-711	52	59	assertions	assertion	NOUN
cuesj-711	52	60	.	.	PUNCT
cuesj-711	53	1	to	to	PART
cuesj-711	53	2	acquire	acquire	VERB
cuesj-711	53	3	information	information	NOUN
cuesj-711	53	4	,	,	PUNCT
cuesj-711	53	5	surveys	survey	NOUN
cuesj-711	53	6	and	and	CCONJ
cuesj-711	53	7	informal	informal	ADJ
cuesj-711	53	8	interview	interview	NOUN
cuesj-711	53	9	sessions	session	NOUN
cuesj-711	53	10	were	be	AUX
cuesj-711	53	11	undertaken	undertake	VERB
cuesj-711	53	12	.	.	PUNCT
cuesj-711	54	1	finally	finally	ADV
cuesj-711	54	2	,	,	PUNCT
cuesj-711	54	3	the	the	DET
cuesj-711	54	4	objectives	objective	NOUN
cuesj-711	54	5	and	and	CCONJ
cuesj-711	54	6	scopes	scope	NOUN
cuesj-711	54	7	are	be	AUX
cuesj-711	54	8	drawn	draw	VERB
cuesj-711	54	9	to	to	PART
cuesj-711	54	10	gain	gain	VERB
cuesj-711	54	11	a	a	DET
cuesj-711	54	12	picture	picture	NOUN
cuesj-711	54	13	of	of	ADP
cuesj-711	54	14	the	the	DET
cuesj-711	54	15	system	system	NOUN
cuesj-711	54	16	’s	’s	PART
cuesj-711	54	17	required	require	VERB
cuesj-711	54	18	functions	function	NOUN
cuesj-711	54	19	.	.	PUNCT
cuesj-711	55	1	design	design	NOUN
cuesj-711	55	2	in	in	ADP
cuesj-711	55	3	general	general	ADJ
cuesj-711	55	4	,	,	PUNCT
cuesj-711	55	5	the	the	DET
cuesj-711	55	6	design	design	NOUN
cuesj-711	55	7	of	of	ADP
cuesj-711	55	8	the	the	DET
cuesj-711	55	9	app	app	NOUN
cuesj-711	55	10	allpay	allpay	NOUN
cuesj-711	55	11	is	be	AUX
cuesj-711	55	12	created	create	VERB
cuesj-711	55	13	during	during	ADP
cuesj-711	55	14	this	this	DET
cuesj-711	55	15	period	period	NOUN
cuesj-711	55	16	based	base	VERB
cuesj-711	55	17	on	on	ADP
cuesj-711	55	18	the	the	DET
cuesj-711	55	19	most	most	ADV
cuesj-711	55	20	popular	popular	ADJ
cuesj-711	55	21	e	e	NOUN
cuesj-711	55	22	-	-	NOUN
cuesj-711	55	23	wallet	wallet	NOUN
cuesj-711	55	24	functions	function	NOUN
cuesj-711	55	25	and	and	CCONJ
cuesj-711	55	26	adding	add	VERB
cuesj-711	55	27	needed	need	VERB
cuesj-711	55	28	screens	screen	NOUN
cuesj-711	55	29	and	and	CCONJ
cuesj-711	55	30	buttons	button	NOUN
cuesj-711	55	31	keep	keep	VERB
cuesj-711	55	32	the	the	DET
cuesj-711	55	33	interface	interface	NOUN
cuesj-711	55	34	userfriendly	userfriendly	ADV
cuesj-711	55	35	and	and	CCONJ
cuesj-711	55	36	simple	simple	ADJ
cuesj-711	55	37	to	to	PART
cuesj-711	55	38	learn	learn	VERB
cuesj-711	55	39	and	and	CCONJ
cuesj-711	55	40	operate	operate	VERB
cuesj-711	55	41	.	.	PUNCT
cuesj-711	56	1	users	user	NOUN
cuesj-711	56	2	will	will	AUX
cuesj-711	56	3	feel	feel	VERB
cuesj-711	56	4	at	at	ADP
cuesj-711	56	5	ease	ease	NOUN
cuesj-711	56	6	when	when	SCONJ
cuesj-711	56	7	utilizing	utilize	VERB
cuesj-711	56	8	the	the	DET
cuesj-711	56	9	application	application	NOUN
cuesj-711	56	10	because	because	SCONJ
cuesj-711	56	11	of	of	ADP
cuesj-711	56	12	the	the	DET
cuesj-711	56	13	user	user	NOUN
cuesj-711	56	14	experience	experience	NOUN
cuesj-711	56	15	.	.	PUNCT
cuesj-711	57	1	due	due	ADP
cuesj-711	57	2	to	to	ADP
cuesj-711	57	3	the	the	DET
cuesj-711	57	4	enormous	enormous	ADJ
cuesj-711	57	5	demand	demand	NOUN
cuesj-711	57	6	for	for	ADP
cuesj-711	57	7	offline	offline	ADJ
cuesj-711	57	8	usage	usage	NOUN
cuesj-711	57	9	of	of	ADP
cuesj-711	57	10	an	an	DET
cuesj-711	57	11	e	e	NOUN
cuesj-711	57	12	-	-	NOUN
cuesj-711	57	13	wallet	wallet	NOUN
cuesj-711	57	14	,	,	PUNCT
cuesj-711	57	15	sensitive	sensitive	ADJ
cuesj-711	57	16	user	user	NOUN
cuesj-711	57	17	information	information	NOUN
cuesj-711	57	18	is	be	AUX
cuesj-711	57	19	commonly	commonly	ADV
cuesj-711	57	20	saved	save	VERB
cuesj-711	57	21	on	on	ADP
cuesj-711	57	22	mobile	mobile	ADJ
cuesj-711	57	23	devices	device	NOUN
cuesj-711	57	24	.	.	PUNCT
cuesj-711	58	1	we	we	PRON
cuesj-711	58	2	suggest	suggest	VERB
cuesj-711	58	3	that	that	SCONJ
cuesj-711	58	4	this	this	DET
cuesj-711	58	5	project	project	NOUN
cuesj-711	58	6	includes	include	VERB
cuesj-711	58	7	optional	optional	ADJ
cuesj-711	58	8	offline	offline	ADJ
cuesj-711	58	9	device	device	NOUN
cuesj-711	58	10	-	-	PUNCT
cuesj-711	58	11	based	base	VERB
cuesj-711	58	12	biometric	biometric	ADJ
cuesj-711	58	13	authentication	authentication	NOUN
cuesj-711	58	14	and	and	CCONJ
cuesj-711	58	15	that	that	SCONJ
cuesj-711	58	16	the	the	DET
cuesj-711	58	17	most	most	ADV
cuesj-711	58	18	recent	recent	ADJ
cuesj-711	58	19	balance	balance	NOUN
cuesj-711	58	20	be	be	AUX
cuesj-711	58	21	retrieved	retrieve	VERB
cuesj-711	58	22	through	through	ADP
cuesj-711	58	23	encrypted	encrypt	VERB
cuesj-711	58	24	time	time	NOUN
cuesj-711	58	25	-	-	PUNCT
cuesj-711	58	26	based	base	VERB
cuesj-711	58	27	one	one	NUM
cuesj-711	58	28	-	-	PUNCT
cuesj-711	58	29	time	time	NOUN
cuesj-711	58	30	password	password	NOUN
cuesj-711	58	31	(	(	PUNCT
cuesj-711	58	32	topt	topt	VERB
cuesj-711	58	33	)	)	PUNCT
cuesj-711	58	34	short	short	ADJ
cuesj-711	58	35	message	message	NOUN
cuesj-711	58	36	service	service	NOUN
cuesj-711	58	37	(	(	PUNCT
cuesj-711	58	38	sms	sms	PROPN
cuesj-711	58	39	)	)	PUNCT
cuesj-711	58	40	,	,	PUNCT
cuesj-711	58	41	and	and	CCONJ
cuesj-711	58	42	to	to	PART
cuesj-711	58	43	provide	provide	VERB
cuesj-711	58	44	online	online	ADJ
cuesj-711	58	45	-	-	PUNCT
cuesj-711	58	46	to	to	ADP
cuesj-711	58	47	-	-	PUNCT
cuesj-711	58	48	offline	offline	ADJ
cuesj-711	58	49	(	(	PUNCT
cuesj-711	58	50	o2o	o2o	NOUN
cuesj-711	58	51	)	)	PUNCT
cuesj-711	58	52	services.[6	services.[6	NOUN
cuesj-711	58	53	]	]	PUNCT
cuesj-711	58	54	figure	figure	NOUN
cuesj-711	58	55	4	4	NUM
cuesj-711	58	56	illustrates	illustrate	VERB
cuesj-711	58	57	offline	offline	ADJ
cuesj-711	58	58	login	login	NOUN
cuesj-711	58	59	,	,	PUNCT
cuesj-711	58	60	the	the	DET
cuesj-711	58	61	application	application	NOUN
cuesj-711	58	62	uses	use	VERB
cuesj-711	58	63	local	local	ADJ
cuesj-711	58	64	mobile	mobile	ADJ
cuesj-711	58	65	biometric	biometric	ADJ
cuesj-711	58	66	authentication	authentication	NOUN
cuesj-711	58	67	employs	employ	VERB
cuesj-711	58	68	biometrics	biometric	NOUN
cuesj-711	58	69	to	to	PART
cuesj-711	58	70	identify	identify	VERB
cuesj-711	58	71	and	and	CCONJ
cuesj-711	58	72	authenticate	authenticate	VERB
cuesj-711	58	73	the	the	DET
cuesj-711	58	74	user	user	NOUN
cuesj-711	58	75	seeking	seek	VERB
cuesj-711	58	76	to	to	PART
cuesj-711	58	77	access	access	VERB
cuesj-711	58	78	a	a	DET
cuesj-711	58	79	mobile	mobile	ADJ
cuesj-711	58	80	app	app	NOUN
cuesj-711	58	81	.	.	PUNCT
cuesj-711	59	1	screen	screen	PROPN
cuesj-711	59	2	1	1	NUM
cuesj-711	59	3	shows	show	VERB
cuesj-711	59	4	login	login	NOUN
cuesj-711	59	5	screen	screen	NOUN
cuesj-711	59	6	with	with	ADP
cuesj-711	59	7	biometrics	biometric	NOUN
cuesj-711	59	8	.	.	PUNCT
cuesj-711	60	1	it	it	PRON
cuesj-711	60	2	may	may	AUX
cuesj-711	60	3	be	be	AUX
cuesj-711	60	4	done	do	VERB
cuesj-711	60	5	through	through	ADP
cuesj-711	60	6	fingerprint	fingerprint	NOUN
cuesj-711	60	7	readers	reader	NOUN
cuesj-711	60	8	,	,	PUNCT
cuesj-711	60	9	facial	facial	ADJ
cuesj-711	60	10	recognition	recognition	NOUN
cuesj-711	60	11	,	,	PUNCT
cuesj-711	60	12	speech	speech	NOUN
cuesj-711	60	13	recognition	recognition	NOUN
cuesj-711	60	14	,	,	PUNCT
cuesj-711	60	15	and	and	CCONJ
cuesj-711	60	16	other	other	ADJ
cuesj-711	60	17	methods	method	NOUN
cuesj-711	60	18	.	.	PUNCT
cuesj-711	61	1	after	after	ADP
cuesj-711	61	2	user	user	NOUN
cuesj-711	61	3	successful	successful	PROPN
cuesj-711	61	4	user	user	NOUN
cuesj-711	61	5	authentication	authentication	PROPN
cuesj-711	61	6	,	,	PUNCT
cuesj-711	61	7	the	the	DET
cuesj-711	61	8	applications	application	NOUN
cuesj-711	61	9	check	check	VERB
cuesj-711	61	10	if	if	SCONJ
cuesj-711	61	11	the	the	PRON
cuesj-711	61	12	devise	devise	VERB
cuesj-711	61	13	whether	whether	SCONJ
cuesj-711	61	14	connected	connect	VERB
cuesj-711	61	15	to	to	PART
cuesj-711	61	16	server	server	VERB
cuesj-711	61	17	or	or	CCONJ
cuesj-711	61	18	not	not	PART
cuesj-711	61	19	,	,	PUNCT
cuesj-711	61	20	in	in	ADP
cuesj-711	61	21	case	case	NOUN
cuesj-711	61	22	of	of	ADP
cuesj-711	61	23	no	no	DET
cuesj-711	61	24	internet	internet	NOUN
cuesj-711	61	25	connection	connection	NOUN
cuesj-711	61	26	,	,	PUNCT
cuesj-711	61	27	the	the	DET
cuesj-711	61	28	application	application	NOUN
cuesj-711	61	29	sends	send	VERB
cuesj-711	61	30	an	an	DET
cuesj-711	61	31	sms	sms	NOUN
cuesj-711	61	32	to	to	ADP
cuesj-711	61	33	the	the	DET
cuesj-711	61	34	server	server	NOUN
cuesj-711	61	35	requesting	request	VERB
cuesj-711	61	36	the	the	DET
cuesj-711	61	37	current	current	ADJ
cuesj-711	61	38	balance	balance	NOUN
cuesj-711	61	39	;	;	PUNCT
cuesj-711	61	40	the	the	DET
cuesj-711	61	41	server	server	NOUN
cuesj-711	61	42	will	will	AUX
cuesj-711	61	43	then	then	ADV
cuesj-711	61	44	produce	produce	VERB
cuesj-711	61	45	rsa	rsa	PROPN
cuesj-711	61	46	encrypted	encrypt	VERB
cuesj-711	61	47	totp	totp	PROPN
cuesj-711	61	48	sms	sms	PROPN
cuesj-711	61	49	codes	code	NOUN
cuesj-711	61	50	with	with	ADP
cuesj-711	61	51	account	account	NOUN
cuesj-711	61	52	phone	phone	NOUN
cuesj-711	61	53	number	number	NOUN
cuesj-711	61	54	that	that	PRON
cuesj-711	61	55	are	be	AUX
cuesj-711	61	56	refreshed	refresh	VERB
cuesj-711	61	57	every	every	DET
cuesj-711	61	58	30	30	NUM
cuesj-711	61	59	s	s	NOUN
cuesj-711	61	60	,	,	PUNCT
cuesj-711	61	61	making	make	VERB
cuesj-711	61	62	them	they	PRON
cuesj-711	61	63	more	more	ADV
cuesj-711	61	64	challenging	challenging	ADJ
cuesj-711	61	65	to	to	PART
cuesj-711	61	66	use	use	VERB
cuesj-711	61	67	if	if	SCONJ
cuesj-711	61	68	stolen	steal	VERB
cuesj-711	61	69	,	,	PUNCT
cuesj-711	61	70	prevent	prevent	NOUN
cuesj-711	61	71	fraud	fraud	NOUN
cuesj-711	61	72	,	,	PUNCT
cuesj-711	61	73	and	and	CCONJ
cuesj-711	61	74	keeping	keep	VERB
cuesj-711	61	75	the	the	DET
cuesj-711	61	76	application	application	NOUN
cuesj-711	61	77	.	.	PUNCT
cuesj-711	62	1	the	the	DET
cuesj-711	62	2	following	follow	VERB
cuesj-711	62	3	is	be	AUX
cuesj-711	62	4	a	a	DET
cuesj-711	62	5	description	description	NOUN
cuesj-711	62	6	of	of	ADP
cuesj-711	62	7	the	the	DET
cuesj-711	62	8	login	login	NOUN
cuesj-711	62	9	model	model	NOUN
cuesj-711	62	10	’s	’s	PART
cuesj-711	62	11	execution	execution	NOUN
cuesj-711	62	12	:	:	PUNCT
cuesj-711	62	13	1	1	X
cuesj-711	62	14	.	.	X
cuesj-711	62	15	user	user	NOUN
cuesj-711	62	16	use	use	VERB
cuesj-711	62	17	biometric	biometric	ADJ
cuesj-711	62	18	authentication	authentication	NOUN
cuesj-711	62	19	to	to	PART
cuesj-711	62	20	access	access	VERB
cuesj-711	62	21	the	the	DET
cuesj-711	62	22	application	application	NOUN
cuesj-711	62	23	2	2	NUM
cuesj-711	62	24	.	.	PUNCT
cuesj-711	62	25	application	application	NOUN
cuesj-711	62	26	check	check	NOUN
cuesj-711	62	27	whether	whether	SCONJ
cuesj-711	62	28	it	it	PRON
cuesj-711	62	29	is	be	AUX
cuesj-711	62	30	connected	connect	VERB
cuesj-711	62	31	to	to	PART
cuesj-711	62	32	server	server	VERB
cuesj-711	62	33	or	or	CCONJ
cuesj-711	62	34	not	not	PART
cuesj-711	62	35	,	,	PUNCT
cuesj-711	62	36	one	one	NUM
cuesj-711	62	37	of	of	ADP
cuesj-711	62	38	below	below	ADP
cuesj-711	62	39	options	option	NOUN
cuesj-711	62	40	online	online	ADV
cuesj-711	62	41	1	1	NUM
cuesj-711	62	42	.	.	PUNCT
cuesj-711	62	43	application	application	NOUN
cuesj-711	62	44	inquiry	inquiry	NOUN
cuesj-711	62	45	the	the	DET
cuesj-711	62	46	balance	balance	NOUN
cuesj-711	62	47	2	2	NUM
cuesj-711	62	48	.	.	PUNCT
cuesj-711	62	49	server	server	NOUN
cuesj-711	62	50	send	send	VERB
cuesj-711	62	51	updated	update	VERB
cuesj-711	62	52	balance	balance	NOUN
cuesj-711	62	53	offline	offline	NOUN
cuesj-711	62	54	1	1	NUM
cuesj-711	62	55	.	.	PUNCT
cuesj-711	62	56	application	application	NOUN
cuesj-711	62	57	generated	generate	VERB
cuesj-711	62	58	rsa	rsa	PROPN
cuesj-711	62	59	encrypted	encrypt	VERB
cuesj-711	62	60	sms	sms	PROPN
cuesj-711	62	61	contains	contain	VERB
cuesj-711	62	62	token	token	VERB
cuesj-711	62	63	,	,	PUNCT
cuesj-711	62	64	using	use	VERB
cuesj-711	62	65	the	the	DET
cuesj-711	62	66	homomorphic	homomorphic	ADJ
cuesj-711	62	67	properties	property	NOUN
cuesj-711	62	68	of	of	ADP
cuesj-711	62	69	the	the	DET
cuesj-711	62	70	rsa	rsa	PROPN
cuesj-711	62	71	encryption	encryption	NOUN
cuesj-711	62	72	.	.	PUNCT
cuesj-711	63	1	2	2	X
cuesj-711	63	2	.	.	X
cuesj-711	63	3	server	server	NOUN
cuesj-711	63	4	confirm	confirm	VERB
cuesj-711	63	5	the	the	DET
cuesj-711	63	6	token	token	NOUN
cuesj-711	63	7	by	by	ADP
cuesj-711	63	8	decrypting	decrypt	VERB
cuesj-711	63	9	it	it	PRON
cuesj-711	63	10	using	use	VERB
cuesj-711	63	11	the	the	DET
cuesj-711	63	12	device	device	NOUN
cuesj-711	63	13	’s	’s	PART
cuesj-711	63	14	last	last	ADJ
cuesj-711	63	15	online	online	ADV
cuesj-711	63	16	token	token	VERB
cuesj-711	63	17	along	along	ADP
cuesj-711	63	18	with	with	ADP
cuesj-711	63	19	phone	phone	NOUN
cuesj-711	63	20	number	number	NOUN
cuesj-711	63	21	.	.	PUNCT
cuesj-711	64	1	execute	execute	NOUN
cuesj-711	64	2	of	of	ADP
cuesj-711	64	3	one	one	NUM
cuesj-711	64	4	of	of	ADP
cuesj-711	64	5	the	the	DET
cuesj-711	64	6	below	below	ADJ
cuesj-711	64	7	options	option	NOUN
cuesj-711	64	8	:	:	PUNCT
cuesj-711	64	9	a.	a.	PROPN
cuesj-711	64	10	successful	successful	PROPN
cuesj-711	64	11	authenticated	authenticate	VERB
cuesj-711	64	12	,	,	PUNCT
cuesj-711	64	13	server	server	PROPN
cuesj-711	64	14	send	send	NOUN
cuesj-711	64	15	encrypted	encrypt	VERB
cuesj-711	64	16	updated	update	VERB
cuesj-711	64	17	balance	balance	NOUN
cuesj-711	64	18	in	in	ADP
cuesj-711	64	19	totp	totp	PROPN
cuesj-711	64	20	sms	sms	PROPN
cuesj-711	64	21	b.	b.	PROPN
cuesj-711	64	22	failed	failed	AUX
cuesj-711	64	23	authenticated	authenticate	VERB
cuesj-711	64	24	,	,	PUNCT
cuesj-711	64	25	server	server	NOUN
cuesj-711	64	26	send	send	VERB
cuesj-711	64	27	warning	warning	NOUN
cuesj-711	64	28	sms	sms	PROPN
cuesj-711	64	29	,	,	PUNCT
cuesj-711	64	30	and	and	CCONJ
cuesj-711	64	31	lock	lock	VERB
cuesj-711	64	32	the	the	DET
cuesj-711	64	33	account	account	NOUN
cuesj-711	64	34	for	for	ADP
cuesj-711	64	35	30	30	NUM
cuesj-711	64	36	 	 	SPACE
cuesj-711	64	37	min	min	NOUN
cuesj-711	64	38	.	.	PROPN
cuesj-711	64	39	while	while	SCONJ
cuesj-711	64	40	logging	log	VERB
cuesj-711	64	41	in	in	ADP
cuesj-711	64	42	through	through	ADP
cuesj-711	64	43	offline	offline	ADJ
cuesj-711	64	44	mobile	mobile	ADJ
cuesj-711	64	45	verification	verification	NOUN
cuesj-711	64	46	,	,	PUNCT
cuesj-711	64	47	the	the	DET
cuesj-711	64	48	e	e	NOUN
cuesj-711	64	49	-	-	NOUN
cuesj-711	64	50	wallet	wallet	NOUN
cuesj-711	64	51	automatically	automatically	ADV
cuesj-711	64	52	detects	detect	VERB
cuesj-711	64	53	totp	totp	PROPN
cuesj-711	64	54	.	.	PUNCT
cuesj-711	65	1	rceive_sms	rceive_sm	NOUN
cuesj-711	65	2	in	in	ADP
cuesj-711	65	3	android	android	PROPN
cuesj-711	65	4	table	table	NOUN
cuesj-711	65	5	1	1	NUM
cuesj-711	65	6	:	:	PUNCT
cuesj-711	65	7	type	type	NOUN
cuesj-711	65	8	of	of	ADP
cuesj-711	65	9	transactions	transaction	NOUN
cuesj-711	65	10	in	in	ADP
cuesj-711	65	11	e	e	NOUN
cuesj-711	65	12	-	-	NOUN
cuesj-711	65	13	wallets	wallet	NOUN
cuesj-711	65	14	transaction	transaction	NOUN
cuesj-711	65	15	type	type	NOUN
cuesj-711	65	16	percentage	percentage	NOUN
cuesj-711	65	17	online	online	ADJ
cuesj-711	65	18	cards	card	NOUN
cuesj-711	65	19	33	33	NUM
cuesj-711	65	20	mobile\internet	mobile\internet	NUM
cuesj-711	65	21	prepaid	prepay	VERB
cuesj-711	65	22	cards	card	NOUN
cuesj-711	65	23	35	35	NUM
cuesj-711	65	24	online	online	ADJ
cuesj-711	65	25	services	service	NOUN
cuesj-711	65	26	10	10	NUM
cuesj-711	65	27	online	online	ADJ
cuesj-711	65	28	shopping	shopping	NOUN
cuesj-711	65	29	15	15	NUM
cuesj-711	65	30	shopping	shopping	NOUN
cuesj-711	65	31	1	1	NUM
cuesj-711	65	32	services	service	NOUN
cuesj-711	65	33	0	0	NUM
cuesj-711	65	34	patrol	patrol	NOUN
cuesj-711	65	35	station	station	NOUN
cuesj-711	65	36	0	0	NUM
cuesj-711	65	37	taxi	taxi	NOUN
cuesj-711	65	38	5	5	NUM
cuesj-711	65	39	tuition	tuition	NOUN
cuesj-711	65	40	fees	fee	NOUN
cuesj-711	65	41	0	0	NUM
cuesj-711	65	42	bills	bill	NOUN
cuesj-711	65	43	0	0	NUM
cuesj-711	65	44	malls	mall	NOUN
cuesj-711	65	45	0	0	NUM
cuesj-711	65	46	figure	figure	NOUN
cuesj-711	65	47	4	4	NUM
cuesj-711	65	48	:	:	PUNCT
cuesj-711	65	49	offline	offline	ADJ
cuesj-711	65	50	login	login	NOUN
cuesj-711	65	51	with	with	ADP
cuesj-711	65	52	totp	totp	PROPN
cuesj-711	65	53	is	be	AUX
cuesj-711	65	54	used	use	VERB
cuesj-711	65	55	by	by	ADP
cuesj-711	65	56	app	app	NOUN
cuesj-711	65	57	to	to	PART
cuesj-711	65	58	read	read	VERB
cuesj-711	65	59	the	the	DET
cuesj-711	65	60	encrypted	encrypt	VERB
cuesj-711	65	61	totp	totp	NOUN
cuesj-711	65	62	,	,	PUNCT
cuesj-711	65	63	decrypt	decrypt	VERB
cuesj-711	65	64	it	it	PRON
cuesj-711	65	65	with	with	ADP
cuesj-711	65	66	last	last	ADJ
cuesj-711	65	67	obtained	obtain	VERB
cuesj-711	65	68	online	online	ADV
cuesj-711	65	69	token	token	ADJ
cuesj-711	65	70	,	,	PUNCT
cuesj-711	65	71	and	and	CCONJ
cuesj-711	65	72	update	update	VERB
cuesj-711	65	73	the	the	DET
cuesj-711	65	74	balance	balance	NOUN
cuesj-711	65	75	in	in	ADP
cuesj-711	65	76	the	the	DET
cuesj-711	65	77	main	main	ADJ
cuesj-711	65	78	screen	screen	NOUN
cuesj-711	65	79	.	.	PUNCT
cuesj-711	66	1	typically	typically	ADV
cuesj-711	66	2	,	,	PUNCT
cuesj-711	66	3	totp	totp	PROPN
cuesj-711	66	4	detection	detection	NOUN
cuesj-711	66	5	requires	require	VERB
cuesj-711	66	6	the	the	DET
cuesj-711	66	7	user	user	NOUN
cuesj-711	66	8	to	to	PART
cuesj-711	66	9	grant	grant	VERB
cuesj-711	66	10	sms	sms	PROPN
cuesj-711	66	11	permissions	permission	NOUN
cuesj-711	66	12	.	.	PUNCT
cuesj-711	67	1	screen	screen	NOUN
cuesj-711	67	2	2	2	NUM
cuesj-711	67	3	illustrates	illustrate	VERB
cuesj-711	67	4	that	that	SCONJ
cuesj-711	67	5	the	the	DET
cuesj-711	67	6	30	30	NUM
cuesj-711	67	7	s	s	VERB
cuesj-711	67	8	needed	need	VERB
cuesj-711	67	9	to	to	PART
cuesj-711	67	10	receive	receive	VERB
cuesj-711	67	11	and	and	CCONJ
cuesj-711	67	12	update	update	VERB
cuesj-711	67	13	the	the	DET
cuesj-711	67	14	balance	balance	NOUN
cuesj-711	67	15	.	.	PUNCT
cuesj-711	68	1	the	the	DET
cuesj-711	68	2	usage	usage	NOUN
cuesj-711	68	3	of	of	ADP
cuesj-711	68	4	nfc	nfc	NOUN
cuesj-711	68	5	in	in	ADP
cuesj-711	68	6	e	e	NOUN
cuesj-711	68	7	-	-	NOUN
cuesj-711	68	8	wallet	wallet	NOUN
cuesj-711	68	9	applications	application	NOUN
cuesj-711	68	10	is	be	AUX
cuesj-711	68	11	introduced	introduce	VERB
cuesj-711	68	12	in	in	ADP
cuesj-711	68	13	this	this	DET
cuesj-711	68	14	design	design	NOUN
cuesj-711	68	15	,	,	PUNCT
cuesj-711	68	16	allowing	allow	VERB
cuesj-711	68	17	for	for	ADP
cuesj-711	68	18	more	more	ADV
cuesj-711	68	19	flexible	flexible	ADJ
cuesj-711	68	20	and	and	CCONJ
cuesj-711	68	21	secure	secure	ADJ
cuesj-711	68	22	management	management	NOUN
cuesj-711	68	23	,	,	PUNCT
cuesj-711	68	24	customization	customization	NOUN
cuesj-711	68	25	,	,	PUNCT
cuesj-711	68	26	and	and	CCONJ
cuesj-711	68	27	simplify	simplify	VERB
cuesj-711	68	28	the	the	DET
cuesj-711	68	29	payment	payment	NOUN
cuesj-711	68	30	process.[7,8	process.[7,8	PRON
cuesj-711	68	31	]	]	PUNCT
cuesj-711	68	32	at	at	ADP
cuesj-711	68	33	pressing	press	VERB
cuesj-711	68	34	go	go	NOUN
cuesj-711	68	35	button	button	NOUN
cuesj-711	68	36	on	on	ADP
cuesj-711	68	37	the	the	DET
cuesj-711	68	38	main	main	ADJ
cuesj-711	68	39	screen	screen	NOUN
cuesj-711	68	40	which	which	PRON
cuesj-711	68	41	it	it	PRON
cuesj-711	68	42	represents	represent	VERB
cuesj-711	68	43	the	the	DET
cuesj-711	68	44	touch	touch	NOUN
cuesj-711	68	45	and	and	CCONJ
cuesj-711	68	46	go	go	VERB
cuesj-711	68	47	payment	payment	NOUN
cuesj-711	68	48	.	.	PUNCT
cuesj-711	69	1	go	go	VERB
cuesj-711	69	2	are	be	AUX
cuesj-711	69	3	contactless	contactless	ADJ
cuesj-711	69	4	payments	payment	NOUN
cuesj-711	69	5	that	that	PRON
cuesj-711	69	6	employ	employ	VERB
cuesj-711	69	7	near	near	ADP
cuesj-711	69	8	-	-	PUNCT
cuesj-711	69	9	field	field	NOUN
cuesj-711	69	10	communication	communication	NOUN
cuesj-711	69	11	(	(	PUNCT
cuesj-711	69	12	nfc	nfc	NOUN
cuesj-711	69	13	)	)	PUNCT
cuesj-711	69	14	technology	technology	NOUN
cuesj-711	69	15	to	to	PART
cuesj-711	69	16	securely	securely	ADV
cuesj-711	69	17	communicate	communicate	VERB
cuesj-711	69	18	between	between	ADP
cuesj-711	69	19	an	an	DET
cuesj-711	69	20	e	e	NOUN
cuesj-711	69	21	-	-	NOUN
cuesj-711	69	22	wallet	wallet	NOUN
cuesj-711	69	23	and	and	CCONJ
cuesj-711	69	24	a	a	DET
cuesj-711	69	25	point	point	NOUN
cuesj-711	69	26	of	of	ADP
cuesj-711	69	27	sale	sale	NOUN
cuesj-711	69	28	’s	’s	PART
cuesj-711	69	29	(	(	PUNCT
cuesj-711	69	30	pos	pos	NOUN
cuesj-711	69	31	)	)	PUNCT
cuesj-711	69	32	terminal	terminal	NOUN
cuesj-711	69	33	at	at	ADP
cuesj-711	69	34	time	time	NOUN
cuesj-711	69	35	of	of	ADP
cuesj-711	69	36	pressing	press	VERB
cuesj-711	69	37	the	the	DET
cuesj-711	69	38	button	button	NOUN
cuesj-711	69	39	.	.	PUNCT
cuesj-711	70	1	this	this	DET
cuesj-711	70	2	technology	technology	NOUN
cuesj-711	70	3	powers	power	VERB
cuesj-711	70	4	e	e	NOUN
cuesj-711	70	5	-	-	NOUN
cuesj-711	70	6	wallet	wallet	NOUN
cuesj-711	70	7	payments	payment	NOUN
cuesj-711	70	8	shown	show	VERB
cuesj-711	70	9	in	in	ADP
cuesj-711	70	10	screen	screen	NOUN
cuesj-711	70	11	3	3	NUM
cuesj-711	70	12	.	.	PUNCT
cuesj-711	71	1	the	the	DET
cuesj-711	71	2	following	follow	VERB
cuesj-711	71	3	is	be	AUX
cuesj-711	71	4	a	a	DET
cuesj-711	71	5	description	description	NOUN
cuesj-711	71	6	of	of	ADP
cuesj-711	71	7	the	the	DET
cuesj-711	71	8	nfc	nfc	NOUN
cuesj-711	71	9	model	model	NOUN
cuesj-711	71	10	’s	’s	PART
cuesj-711	71	11	execution	execution	NOUN
cuesj-711	71	12	:	:	PUNCT
cuesj-711	71	13	1	1	X
cuesj-711	71	14	.	.	PUNCT
cuesj-711	71	15	to	to	PART
cuesj-711	71	16	make	make	VERB
cuesj-711	71	17	a	a	DET
cuesj-711	71	18	payment	payment	NOUN
cuesj-711	71	19	,	,	PUNCT
cuesj-711	71	20	the	the	DET
cuesj-711	71	21	customer	customer	NOUN
cuesj-711	71	22	must	must	AUX
cuesj-711	71	23	press	press	VERB
cuesj-711	71	24	the	the	DET
cuesj-711	71	25	“	"	PUNCT
cuesj-711	71	26	go	go	VERB
cuesj-711	71	27	”	"	PUNCT
cuesj-711	71	28	button	button	NOUN
cuesj-711	71	29	on	on	ADP
cuesj-711	71	30	their	their	PRON
cuesj-711	71	31	phone	phone	NOUN
cuesj-711	71	32	to	to	PART
cuesj-711	71	33	enable	enable	VERB
cuesj-711	71	34	nfc	nfc	NOUN
cuesj-711	71	35	on	on	ADP
cuesj-711	71	36	the	the	DET
cuesj-711	71	37	pos	pos	NOUN
cuesj-711	71	38	terminal	terminal	NOUN
cuesj-711	71	39	.	.	PUNCT
cuesj-711	72	1	2	2	X
cuesj-711	72	2	.	.	X
cuesj-711	72	3	the	the	DET
cuesj-711	72	4	e	e	NOUN
cuesj-711	72	5	-	-	NOUN
cuesj-711	72	6	wallet	wallet	NOUN
cuesj-711	72	7	reads	read	VERB
cuesj-711	72	8	the	the	DET
cuesj-711	72	9	transaction	transaction	NOUN
cuesj-711	72	10	information	information	NOUN
cuesj-711	72	11	from	from	ADP
cuesj-711	72	12	the	the	DET
cuesj-711	72	13	pos	pos	NOUN
cuesj-711	72	14	.	.	PUNCT
cuesj-711	73	1	3	3	X
cuesj-711	73	2	.	.	X
cuesj-711	73	3	the	the	DET
cuesj-711	73	4	application	application	NOUN
cuesj-711	73	5	checks	check	VERB
cuesj-711	73	6	whether	whether	SCONJ
cuesj-711	73	7	the	the	DET
cuesj-711	73	8	user	user	NOUN
cuesj-711	73	9	has	have	VERB
cuesj-711	73	10	enough	enough	ADJ
cuesj-711	73	11	credit	credit	NOUN
cuesj-711	73	12	or	or	CCONJ
cuesj-711	73	13	not	not	PART
cuesj-711	73	14	using	use	VERB
cuesj-711	73	15	the	the	DET
cuesj-711	73	16	current	current	ADJ
cuesj-711	73	17	balance	balance	NOUN
cuesj-711	73	18	stored	store	VERB
cuesj-711	73	19	in	in	ADP
cuesj-711	73	20	the	the	DET
cuesj-711	73	21	application	application	NOUN
cuesj-711	73	22	.	.	PUNCT
cuesj-711	74	1	4	4	X
cuesj-711	74	2	.	.	X
cuesj-711	74	3	if	if	SCONJ
cuesj-711	74	4	the	the	DET
cuesj-711	74	5	user	user	NOUN
cuesj-711	74	6	has	have	VERB
cuesj-711	74	7	sufficient	sufficient	ADJ
cuesj-711	74	8	credit	credit	NOUN
cuesj-711	74	9	,	,	PUNCT
cuesj-711	74	10	e	e	NOUN
cuesj-711	74	11	-	-	NOUN
cuesj-711	74	12	wallet	wallet	NOUN
cuesj-711	74	13	apps	app	NOUN
cuesj-711	74	14	send	send	VERB
cuesj-711	74	15	collected	collect	VERB
cuesj-711	74	16	information	information	NOUN
cuesj-711	74	17	to	to	ADP
cuesj-711	74	18	the	the	DET
cuesj-711	74	19	server	server	NOUN
cuesj-711	74	20	through	through	ADP
cuesj-711	74	21	online	online	ADV
cuesj-711	74	22	or	or	CCONJ
cuesj-711	74	23	offline	offline	ADJ
cuesj-711	74	24	(	(	PUNCT
cuesj-711	74	25	sms	sms	NOUN
cuesj-711	74	26	)	)	PUNCT
cuesj-711	74	27	communication	communication	NOUN
cuesj-711	74	28	to	to	PART
cuesj-711	74	29	authorize	authorize	VERB
cuesj-711	74	30	the	the	DET
cuesj-711	74	31	transaction	transaction	NOUN
cuesj-711	74	32	.	.	PUNCT
cuesj-711	75	1	shukur	shukur	PROPN
cuesj-711	75	2	,	,	PUNCT
cuesj-711	75	3	et	et	PROPN
cuesj-711	75	4	al	al	PROPN
cuesj-711	75	5	.	.	PUNCT
cuesj-711	75	6	:	:	PUNCT
cuesj-711	76	1	a	a	DET
cuesj-711	76	2	secure	secure	ADJ
cuesj-711	76	3	hybrid	hybrid	ADJ
cuesj-711	76	4	approach	approach	NOUN
cuesj-711	76	5	for	for	ADP
cuesj-711	76	6	e	e	NOUN
cuesj-711	76	7	-	-	NOUN
cuesj-711	76	8	wallet	wallet	NOUN
cuesj-711	76	9	payment	payment	NOUN
cuesj-711	76	10	system	system	NOUN
cuesj-711	76	11	26	26	NUM
cuesj-711	76	12	http://journals.cihanuniversity.edu.iq/index.php/cuesj	http://journals.cihanuniversity.edu.iq/index.php/cuesj	ADJ
cuesj-711	76	13	cuesj	cuesj	ADJ
cuesj-711	76	14	2022	2022	NUM
cuesj-711	76	15	,	,	PUNCT
cuesj-711	76	16	6	6	NUM
cuesj-711	76	17	(	(	PUNCT
cuesj-711	76	18	2	2	NUM
cuesj-711	76	19	):	):	PUNCT
cuesj-711	76	20	23	23	NUM
cuesj-711	76	21	-	-	SYM
cuesj-711	76	22	27	27	NUM
cuesj-711	76	23	5	5	NUM
cuesj-711	76	24	.	.	PUNCT
cuesj-711	76	25	server	server	NOUN
cuesj-711	76	26	either	either	CCONJ
cuesj-711	76	27	authorizes	authorize	VERB
cuesj-711	76	28	the	the	DET
cuesj-711	76	29	transaction	transaction	NOUN
cuesj-711	76	30	or	or	CCONJ
cuesj-711	76	31	rejects	reject	VERB
cuesj-711	76	32	the	the	DET
cuesj-711	76	33	user	user	NOUN
cuesj-711	76	34	’s	’s	PART
cuesj-711	76	35	request	request	NOUN
cuesj-711	76	36	.	.	PUNCT
cuesj-711	77	1	if	if	SCONJ
cuesj-711	77	2	the	the	DET
cuesj-711	77	3	user	user	NOUN
cuesj-711	77	4	’s	’s	PART
cuesj-711	77	5	request	request	NOUN
cuesj-711	77	6	was	be	AUX
cuesj-711	77	7	authorized	authorize	VERB
cuesj-711	77	8	,	,	PUNCT
cuesj-711	77	9	the	the	DET
cuesj-711	77	10	purchase	purchase	NOUN
cuesj-711	77	11	amount	amount	NOUN
cuesj-711	77	12	will	will	AUX
cuesj-711	77	13	be	be	AUX
cuesj-711	77	14	withdrawn	withdraw	VERB
cuesj-711	77	15	from	from	ADP
cuesj-711	77	16	his	his	PRON
cuesj-711	77	17	account	account	NOUN
cuesj-711	77	18	;	;	PUNCT
cuesj-711	77	19	otherwise	otherwise	ADV
cuesj-711	77	20	,	,	PUNCT
cuesj-711	77	21	the	the	DET
cuesj-711	77	22	user	user	NOUN
cuesj-711	77	23	’s	’s	PART
cuesj-711	77	24	account	account	NOUN
cuesj-711	77	25	will	will	AUX
cuesj-711	77	26	remain	remain	VERB
cuesj-711	77	27	with	with	ADP
cuesj-711	77	28	the	the	DET
cuesj-711	77	29	same	same	ADJ
cuesj-711	77	30	balance	balance	NOUN
cuesj-711	77	31	.	.	PUNCT
cuesj-711	78	1	at	at	ADP
cuesj-711	78	2	the	the	DET
cuesj-711	78	3	time	time	NOUN
cuesj-711	78	4	of	of	ADP
cuesj-711	78	5	each	each	DET
cuesj-711	78	6	transaction	transaction	NOUN
cuesj-711	78	7	,	,	PUNCT
cuesj-711	78	8	the	the	DET
cuesj-711	78	9	application	application	NOUN
cuesj-711	78	10	checks	check	VERB
cuesj-711	78	11	if	if	SCONJ
cuesj-711	78	12	the	the	DET
cuesj-711	78	13	amount	amount	NOUN
cuesj-711	78	14	required	require	VERB
cuesj-711	78	15	is	be	AUX
cuesj-711	78	16	within	within	ADP
cuesj-711	78	17	the	the	DET
cuesj-711	78	18	balance	balance	NOUN
cuesj-711	78	19	;	;	PUNCT
cuesj-711	78	20	if	if	SCONJ
cuesj-711	78	21	it	it	PRON
cuesj-711	78	22	is	be	AUX
cuesj-711	78	23	not	not	PART
cuesj-711	78	24	,	,	PUNCT
cuesj-711	78	25	the	the	DET
cuesj-711	78	26	user	user	NOUN
cuesj-711	78	27	will	will	AUX
cuesj-711	78	28	receive	receive	VERB
cuesj-711	78	29	notification	notification	NOUN
cuesj-711	78	30	“	"	PUNCT
cuesj-711	78	31	insufficient	insufficient	ADJ
cuesj-711	78	32	funds	fund	NOUN
cuesj-711	78	33	to	to	PART
cuesj-711	78	34	complete	complete	VERB
cuesj-711	78	35	the	the	DET
cuesj-711	78	36	payment	payment	NOUN
cuesj-711	78	37	.	.	PUNCT
cuesj-711	78	38	”	"	PUNCT
cuesj-711	79	1	in	in	ADP
cuesj-711	79	2	the	the	DET
cuesj-711	79	3	event	event	NOUN
cuesj-711	79	4	that	that	SCONJ
cuesj-711	79	5	the	the	DET
cuesj-711	79	6	amount	amount	NOUN
cuesj-711	79	7	is	be	AUX
cuesj-711	79	8	equal	equal	ADJ
cuesj-711	79	9	to	to	ADP
cuesj-711	79	10	or	or	CCONJ
cuesj-711	79	11	less	less	ADJ
cuesj-711	79	12	than	than	ADP
cuesj-711	79	13	the	the	DET
cuesj-711	79	14	balance	balance	NOUN
cuesj-711	79	15	.	.	PUNCT
cuesj-711	80	1	the	the	DET
cuesj-711	80	2	application	application	NOUN
cuesj-711	80	3	will	will	AUX
cuesj-711	80	4	determine	determine	VERB
cuesj-711	80	5	whether	whether	SCONJ
cuesj-711	80	6	it	it	PRON
cuesj-711	80	7	is	be	AUX
cuesj-711	80	8	connected	connect	VERB
cuesj-711	80	9	to	to	ADP
cuesj-711	80	10	the	the	DET
cuesj-711	80	11	server	server	NOUN
cuesj-711	80	12	online	online	NOUN
cuesj-711	80	13	or	or	CCONJ
cuesj-711	80	14	not	not	PART
cuesj-711	80	15	.	.	PUNCT
cuesj-711	81	1	in	in	ADP
cuesj-711	81	2	case	case	NOUN
cuesj-711	81	3	of	of	ADP
cuesj-711	81	4	offline	offline	NOUN
cuesj-711	81	5	,	,	PUNCT
cuesj-711	81	6	the	the	DET
cuesj-711	81	7	application	application	NOUN
cuesj-711	81	8	sends	send	VERB
cuesj-711	81	9	encrypted	encrypt	VERB
cuesj-711	81	10	sms	sm	NOUN
cuesj-711	81	11	to	to	PART
cuesj-711	81	12	server	server	VERB
cuesj-711	81	13	with	with	ADP
cuesj-711	81	14	token	token	ADJ
cuesj-711	81	15	and	and	CCONJ
cuesj-711	81	16	user	user	NOUN
cuesj-711	81	17	transaction	transaction	NOUN
cuesj-711	81	18	information	information	NOUN
cuesj-711	81	19	,	,	PUNCT
cuesj-711	81	20	amount	amount	NOUN
cuesj-711	81	21	,	,	PUNCT
cuesj-711	81	22	receiver	receiver	NOUN
cuesj-711	81	23	i	i	NOUN
cuesj-711	81	24	d	d	PROPN
cuesj-711	81	25	,	,	PUNCT
cuesj-711	81	26	and	and	CCONJ
cuesj-711	81	27	other	other	ADJ
cuesj-711	81	28	related	related	ADJ
cuesj-711	81	29	info	info	NOUN
cuesj-711	81	30	about	about	ADP
cuesj-711	81	31	the	the	DET
cuesj-711	81	32	order	order	NOUN
cuesj-711	82	1	[	[	X
cuesj-711	82	2	figure	figure	NOUN
cuesj-711	82	3	5	5	NUM
cuesj-711	82	4	]	]	PUNCT
cuesj-711	82	5	.	.	PUNCT
cuesj-711	83	1	server	server	NOUN
cuesj-711	83	2	will	will	AUX
cuesj-711	83	3	send	send	VERB
cuesj-711	83	4	back	back	ADV
cuesj-711	83	5	totp	totp	PROPN
cuesj-711	83	6	to	to	ADP
cuesj-711	83	7	user	user	NOUN
cuesj-711	83	8	to	to	PART
cuesj-711	83	9	validate	validate	VERB
cuesj-711	83	10	the	the	DET
cuesj-711	83	11	transaction	transaction	NOUN
cuesj-711	83	12	.	.	PUNCT
cuesj-711	84	1	discussion	discussion	NOUN
cuesj-711	84	2	the	the	DET
cuesj-711	84	3	proposed	propose	VERB
cuesj-711	84	4	e	e	NOUN
cuesj-711	84	5	-	-	NOUN
cuesj-711	84	6	wallet	wallet	NOUN
cuesj-711	84	7	payment	payment	NOUN
cuesj-711	84	8	system	system	NOUN
cuesj-711	84	9	,	,	PUNCT
cuesj-711	84	10	which	which	PRON
cuesj-711	84	11	combines	combine	VERB
cuesj-711	84	12	online	online	ADJ
cuesj-711	84	13	and	and	CCONJ
cuesj-711	84	14	offline	offline	ADJ
cuesj-711	84	15	services	service	NOUN
cuesj-711	84	16	,	,	PUNCT
cuesj-711	84	17	satisfies	satisfy	VERB
cuesj-711	84	18	the	the	DET
cuesj-711	84	19	following	follow	VERB
cuesj-711	84	20	standards	standard	NOUN
cuesj-711	84	21	defined	define	VERB
cuesj-711	84	22	:	:	PUNCT
cuesj-711	84	23	•	•	ADP
cuesj-711	84	24	secure	secure	ADJ
cuesj-711	84	25	authentication	authentication	NOUN
cuesj-711	84	26	.	.	PUNCT
cuesj-711	85	1	additional	additional	ADJ
cuesj-711	85	2	components	component	NOUN
cuesj-711	85	3	ensure	ensure	VERB
cuesj-711	85	4	that	that	SCONJ
cuesj-711	85	5	only	only	ADV
cuesj-711	85	6	authorized	authorize	VERB
cuesj-711	85	7	users	user	NOUN
cuesj-711	85	8	may	may	AUX
cuesj-711	85	9	conduct	conduct	VERB
cuesj-711	85	10	online	online	ADV
cuesj-711	85	11	and	and	CCONJ
cuesj-711	85	12	offline	offline	ADJ
cuesj-711	85	13	transactions	transaction	NOUN
cuesj-711	85	14	.	.	PUNCT
cuesj-711	86	1	biometric	biometric	ADJ
cuesj-711	86	2	authentication	authentication	NOUN
cuesj-711	86	3	is	be	AUX
cuesj-711	86	4	the	the	DET
cuesj-711	86	5	first	first	ADJ
cuesj-711	86	6	step	step	NOUN
cuesj-711	86	7	in	in	ADP
cuesj-711	86	8	the	the	DET
cuesj-711	86	9	login	login	NOUN
cuesj-711	86	10	process	process	NOUN
cuesj-711	86	11	,	,	PUNCT
cuesj-711	86	12	followed	follow	VERB
cuesj-711	86	13	by	by	ADP
cuesj-711	86	14	two	two	NUM
cuesj-711	86	15	-	-	PUNCT
cuesj-711	86	16	factor	factor	NOUN
cuesj-711	86	17	authentication	authentication	NOUN
cuesj-711	86	18	.	.	PUNCT
cuesj-711	87	1	•	•	NUM
cuesj-711	87	2	secured	secure	VERB
cuesj-711	87	3	payments	payment	NOUN
cuesj-711	87	4	.	.	PUNCT
cuesj-711	88	1	in	in	ADP
cuesj-711	88	2	offline	offline	ADJ
cuesj-711	88	3	transactions	transaction	NOUN
cuesj-711	88	4	,	,	PUNCT
cuesj-711	88	5	data	datum	NOUN
cuesj-711	88	6	are	be	AUX
cuesj-711	88	7	encrypted	encrypt	VERB
cuesj-711	88	8	using	use	VERB
cuesj-711	88	9	the	the	DET
cuesj-711	88	10	rsa	rsa	PROPN
cuesj-711	88	11	cryptosystem	cryptosystem	NOUN
cuesj-711	88	12	’s	’s	PART
cuesj-711	88	13	homomorphic	homomorphic	ADJ
cuesj-711	88	14	features	feature	NOUN
cuesj-711	88	15	;	;	PUNCT
cuesj-711	88	16	as	as	ADP
cuesj-711	88	17	a	a	DET
cuesj-711	88	18	result	result	NOUN
cuesj-711	88	19	,	,	PUNCT
cuesj-711	88	20	the	the	DET
cuesj-711	88	21	user	user	NOUN
cuesj-711	88	22	and	and	CCONJ
cuesj-711	88	23	any	any	DET
cuesj-711	88	24	sniffer	sniffer	NOUN
cuesj-711	88	25	learn	learn	VERB
cuesj-711	88	26	nothing	nothing	PRON
cuesj-711	88	27	about	about	ADP
cuesj-711	88	28	the	the	DET
cuesj-711	88	29	data	datum	NOUN
cuesj-711	88	30	.	.	PUNCT
cuesj-711	89	1	in	in	ADP
cuesj-711	89	2	touch	touch	NOUN
cuesj-711	89	3	and	and	CCONJ
cuesj-711	89	4	go	go	VERB
cuesj-711	89	5	payment	payment	NOUN
cuesj-711	89	6	,	,	PUNCT
cuesj-711	89	7	nfc	nfc	NOUN
cuesj-711	89	8	enabled	enable	VERB
cuesj-711	89	9	at	at	ADP
cuesj-711	89	10	the	the	DET
cuesj-711	89	11	point	point	NOUN
cuesj-711	89	12	when	when	SCONJ
cuesj-711	89	13	the	the	DET
cuesj-711	89	14	user	user	NOUN
cuesj-711	89	15	touch	touch	NOUN
cuesj-711	89	16	go	go	VERB
cuesj-711	89	17	button	button	NOUN
cuesj-711	89	18	,	,	PUNCT
cuesj-711	89	19	adding	add	VERB
cuesj-711	89	20	extra	extra	ADJ
cuesj-711	89	21	security	security	NOUN
cuesj-711	89	22	to	to	PART
cuesj-711	89	23	enable	enable	VERB
cuesj-711	89	24	the	the	DET
cuesj-711	89	25	payment	payment	NOUN
cuesj-711	89	26	transaction	transaction	NOUN
cuesj-711	89	27	.	.	PUNCT
cuesj-711	90	1	we	we	PRON
cuesj-711	90	2	are	be	AUX
cuesj-711	90	3	not	not	PART
cuesj-711	90	4	concentrating	concentrate	VERB
cuesj-711	90	5	on	on	ADP
cuesj-711	90	6	registration	registration	NOUN
cuesj-711	90	7	at	at	ADP
cuesj-711	90	8	the	the	DET
cuesj-711	90	9	moment	moment	NOUN
cuesj-711	90	10	,	,	PUNCT
cuesj-711	90	11	and	and	CCONJ
cuesj-711	90	12	we	we	PRON
cuesj-711	90	13	assume	assume	VERB
cuesj-711	90	14	that	that	SCONJ
cuesj-711	90	15	all	all	DET
cuesj-711	90	16	users	user	NOUN
cuesj-711	90	17	have	have	AUX
cuesj-711	90	18	previously	previously	ADV
cuesj-711	90	19	registered	register	VERB
cuesj-711	90	20	,	,	PUNCT
cuesj-711	90	21	been	be	AUX
cuesj-711	90	22	validated	validate	VERB
cuesj-711	90	23	in	in	ADP
cuesj-711	90	24	the	the	DET
cuesj-711	90	25	payment	payment	NOUN
cuesj-711	90	26	system	system	NOUN
cuesj-711	90	27	,	,	PUNCT
cuesj-711	90	28	and	and	CCONJ
cuesj-711	90	29	have	have	VERB
cuesj-711	90	30	access	access	NOUN
cuesj-711	90	31	to	to	ADP
cuesj-711	90	32	the	the	DET
cuesj-711	90	33	internet	internet	NOUN
cuesj-711	90	34	at	at	ADP
cuesj-711	90	35	some	some	DET
cuesj-711	90	36	point	point	NOUN
cuesj-711	90	37	.	.	PUNCT
cuesj-711	91	1	the	the	DET
cuesj-711	91	2	following	follow	VERB
cuesj-711	91	3	procedures	procedure	NOUN
cuesj-711	91	4	should	should	AUX
cuesj-711	91	5	be	be	AUX
cuesj-711	91	6	followed	follow	VERB
cuesj-711	91	7	while	while	SCONJ
cuesj-711	91	8	modifying	modify	VERB
cuesj-711	91	9	the	the	DET
cuesj-711	91	10	online	online	ADJ
cuesj-711	91	11	authentication	authentication	NOUN
cuesj-711	91	12	method	method	NOUN
cuesj-711	91	13	with	with	ADP
cuesj-711	91	14	the	the	DET
cuesj-711	91	15	offline	offline	ADJ
cuesj-711	91	16	services	service	NOUN
cuesj-711	91	17	scheme	scheme	NOUN
cuesj-711	91	18	:	:	PUNCT
cuesj-711	91	19	screen	screen	NOUN
cuesj-711	91	20	1	1	NUM
cuesj-711	91	21	:	:	PUNCT
cuesj-711	91	22	login	login	NOUN
cuesj-711	91	23	,	,	PUNCT
cuesj-711	91	24	red	red	ADJ
cuesj-711	91	25	button	button	NOUN
cuesj-711	91	26	for	for	ADP
cuesj-711	91	27	biometric	biometric	ADJ
cuesj-711	91	28	login	login	NOUN
cuesj-711	91	29	screen	screen	NOUN
cuesj-711	91	30	2	2	NUM
cuesj-711	91	31	:	:	PUNCT
cuesj-711	91	32	reading	read	VERB
cuesj-711	91	33	totp	totp	NOUN
cuesj-711	91	34	and	and	CCONJ
cuesj-711	91	35	updating	update	VERB
cuesj-711	91	36	user	user	NOUN
cuesj-711	91	37	balance	balance	NOUN
cuesj-711	91	38	screen	screen	NOUN
cuesj-711	91	39	3	3	NUM
cuesj-711	91	40	:	:	PUNCT
cuesj-711	91	41	touch	touch	VERB
cuesj-711	91	42	and	and	CCONJ
cuesj-711	91	43	go	go	VERB
cuesj-711	91	44	payment	payment	NOUN
cuesj-711	91	45	using	use	VERB
cuesj-711	91	46	nfc	nfc	NOUN
cuesj-711	91	47	.	.	PUNCT
cuesj-711	91	48	figure	figure	NOUN
cuesj-711	91	49	5	5	NUM
cuesj-711	91	50	:	:	PUNCT
cuesj-711	91	51	online	online	ADJ
cuesj-711	91	52	/	/	SYM
cuesj-711	91	53	offline	offline	ADJ
cuesj-711	91	54	transaction	transaction	NOUN
cuesj-711	91	55	shukur	shukur	NOUN
cuesj-711	91	56	,	,	PUNCT
cuesj-711	91	57	et	et	PROPN
cuesj-711	91	58	al	al	PROPN
cuesj-711	91	59	.	.	PUNCT
cuesj-711	91	60	:	:	PUNCT
cuesj-711	92	1	a	a	DET
cuesj-711	92	2	secure	secure	ADJ
cuesj-711	92	3	hybrid	hybrid	ADJ
cuesj-711	92	4	approach	approach	NOUN
cuesj-711	92	5	for	for	ADP
cuesj-711	92	6	e	e	NOUN
cuesj-711	92	7	-	-	NOUN
cuesj-711	92	8	wallet	wallet	NOUN
cuesj-711	92	9	payment	payment	NOUN
cuesj-711	92	10	system	system	NOUN
cuesj-711	92	11	27	27	NUM
cuesj-711	92	12	http://journals.cihanuniversity.edu.iq/index.php/cuesj	http://journals.cihanuniversity.edu.iq/index.php/cuesj	ADJ
cuesj-711	92	13	cuesj	cuesj	ADJ
cuesj-711	92	14	2022	2022	NUM
cuesj-711	92	15	,	,	PUNCT
cuesj-711	92	16	6	6	NUM
cuesj-711	92	17	(	(	PUNCT
cuesj-711	92	18	2	2	NUM
cuesj-711	92	19	):	):	PUNCT
cuesj-711	92	20	23	23	NUM
cuesj-711	92	21	-	-	SYM
cuesj-711	92	22	27	27	NUM
cuesj-711	92	23	1	1	NUM
cuesj-711	92	24	.	.	PUNCT
cuesj-711	93	1	the	the	DET
cuesj-711	93	2	user	user	NOUN
cuesj-711	93	3	chooses	choose	VERB
cuesj-711	93	4	the	the	DET
cuesj-711	93	5	biometric	biometric	ADJ
cuesj-711	93	6	feature	feature	NOUN
cuesj-711	93	7	they	they	PRON
cuesj-711	93	8	want	want	VERB
cuesj-711	93	9	to	to	PART
cuesj-711	93	10	employ	employ	VERB
cuesj-711	93	11	(	(	PUNCT
cuesj-711	93	12	e.g.	e.g.	ADV
cuesj-711	93	13	,	,	PUNCT
cuesj-711	93	14	fingerprint	fingerprint	NOUN
cuesj-711	93	15	and	and	CCONJ
cuesj-711	93	16	facial	facial	ADJ
cuesj-711	93	17	recognition	recognition	NOUN
cuesj-711	93	18	)	)	PUNCT
cuesj-711	93	19	during	during	ADP
cuesj-711	93	20	the	the	DET
cuesj-711	93	21	authentication	authentication	NOUN
cuesj-711	93	22	procedure	procedure	NOUN
cuesj-711	93	23	.	.	PUNCT
cuesj-711	94	1	2	2	X
cuesj-711	94	2	.	.	X
cuesj-711	94	3	within	within	ADP
cuesj-711	94	4	the	the	DET
cuesj-711	94	5	e	e	NOUN
cuesj-711	94	6	-	-	NOUN
cuesj-711	94	7	wallet	wallet	NOUN
cuesj-711	94	8	application	application	NOUN
cuesj-711	94	9	,	,	PUNCT
cuesj-711	94	10	a	a	DET
cuesj-711	94	11	hash	hash	NOUN
cuesj-711	94	12	value	value	NOUN
cuesj-711	94	13	is	be	AUX
cuesj-711	94	14	utilized	utilize	VERB
cuesj-711	94	15	with	with	ADP
cuesj-711	94	16	the	the	DET
cuesj-711	94	17	user	user	NOUN
cuesj-711	94	18	’s	’s	PART
cuesj-711	94	19	identification	identification	NOUN
cuesj-711	94	20	and	and	CCONJ
cuesj-711	94	21	approval	approval	NOUN
cuesj-711	94	22	of	of	ADP
cuesj-711	94	23	the	the	DET
cuesj-711	94	24	user	user	NOUN
cuesj-711	94	25	’s	’s	PART
cuesj-711	94	26	identity	identity	NOUN
cuesj-711	94	27	.	.	PUNCT
cuesj-711	95	1	3	3	X
cuesj-711	95	2	.	.	X
cuesj-711	95	3	two	two	NUM
cuesj-711	95	4	tokens	token	NOUN
cuesj-711	95	5	to	to	PART
cuesj-711	95	6	confirm	confirm	VERB
cuesj-711	95	7	rsa	rsa	NOUN
cuesj-711	95	8	encryption	encryption	NOUN
cuesj-711	95	9	and	and	CCONJ
cuesj-711	95	10	decryption	decryption	NOUN
cuesj-711	95	11	(	(	PUNCT
cuesj-711	95	12	server	server	NOUN
cuesj-711	95	13	token	token	VERB
cuesj-711	95	14	and	and	CCONJ
cuesj-711	95	15	user	user	NOUN
cuesj-711	95	16	token	token	VERB
cuesj-711	95	17	)	)	PUNCT
cuesj-711	95	18	,	,	PUNCT
cuesj-711	95	19	server	server	NOUN
cuesj-711	95	20	-	-	PUNCT
cuesj-711	95	21	generated	generate	VERB
cuesj-711	95	22	random	random	ADJ
cuesj-711	95	23	numbers	number	NOUN
cuesj-711	95	24	and	and	CCONJ
cuesj-711	95	25	save	save	VERB
cuesj-711	95	26	it	it	PRON
cuesj-711	95	27	in	in	ADP
cuesj-711	95	28	the	the	DET
cuesj-711	95	29	server	server	NOUN
cuesj-711	95	30	database	database	NOUN
cuesj-711	95	31	,	,	PUNCT
cuesj-711	95	32	and	and	CCONJ
cuesj-711	95	33	e	e	NOUN
cuesj-711	95	34	-	-	NOUN
cuesj-711	95	35	wallet	wallet	NOUN
cuesj-711	95	36	at	at	ADP
cuesj-711	95	37	any	any	DET
cuesj-711	95	38	online	online	ADJ
cuesj-711	95	39	activity	activity	NOUN
cuesj-711	95	40	.	.	PUNCT
cuesj-711	96	1	4	4	X
cuesj-711	96	2	.	.	X
cuesj-711	96	3	only	only	ADV
cuesj-711	96	4	the	the	DET
cuesj-711	96	5	server	server	NOUN
cuesj-711	96	6	accepts	accept	VERB
cuesj-711	96	7	sms	sms	PROPN
cuesj-711	96	8	from	from	ADP
cuesj-711	96	9	registered	register	VERB
cuesj-711	96	10	and	and	CCONJ
cuesj-711	96	11	validated	validated	ADJ
cuesj-711	96	12	phone	phone	NOUN
cuesj-711	96	13	numbers	number	NOUN
cuesj-711	96	14	then	then	ADV
cuesj-711	96	15	compares	compare	VERB
cuesj-711	96	16	user	user	NOUN
cuesj-711	96	17	tokens	token	NOUN
cuesj-711	96	18	.	.	PUNCT
cuesj-711	97	1	5	5	NUM
cuesj-711	97	2	.	.	X
cuesj-711	97	3	once	once	ADV
cuesj-711	97	4	linked	link	VERB
cuesj-711	97	5	to	to	ADP
cuesj-711	97	6	the	the	DET
cuesj-711	97	7	internet	internet	NOUN
cuesj-711	97	8	,	,	PUNCT
cuesj-711	97	9	the	the	DET
cuesj-711	97	10	e	e	NOUN
cuesj-711	97	11	-	-	NOUN
cuesj-711	97	12	wallet	wallet	NOUN
cuesj-711	97	13	produces	produce	VERB
cuesj-711	97	14	new	new	ADJ
cuesj-711	97	15	tokens	token	NOUN
cuesj-711	97	16	and	and	CCONJ
cuesj-711	97	17	verifies	verifie	NOUN
cuesj-711	97	18	previously	previously	ADV
cuesj-711	97	19	saved	save	VERB
cuesj-711	97	20	transactions	transaction	NOUN
cuesj-711	97	21	.	.	PUNCT
cuesj-711	98	1	6	6	X
cuesj-711	98	2	.	.	X
cuesj-711	98	3	account	account	NOUN
cuesj-711	98	4	will	will	AUX
cuesj-711	98	5	be	be	AUX
cuesj-711	98	6	locked	lock	VERB
cuesj-711	98	7	for	for	ADP
cuesj-711	98	8	30	30	NUM
cuesj-711	98	9	min	min	NOUN
cuesj-711	98	10	if	if	SCONJ
cuesj-711	98	11	any	any	DET
cuesj-711	98	12	verification	verification	NOUN
cuesj-711	98	13	fails	fail	VERB
cuesj-711	98	14	.	.	PUNCT
cuesj-711	99	1	conclusion	conclusion	VERB
cuesj-711	99	2	the	the	DET
cuesj-711	99	3	solution	solution	NOUN
cuesj-711	99	4	presented	present	VERB
cuesj-711	99	5	in	in	ADP
cuesj-711	99	6	this	this	DET
cuesj-711	99	7	paper	paper	NOUN
cuesj-711	99	8	includes	include	VERB
cuesj-711	99	9	three	three	NUM
cuesj-711	99	10	additional	additional	ADJ
cuesj-711	99	11	components	component	NOUN
cuesj-711	99	12	:	:	PUNCT
cuesj-711	99	13	local	local	ADJ
cuesj-711	99	14	biometric	biometric	ADJ
cuesj-711	99	15	authentication	authentication	NOUN
cuesj-711	99	16	,	,	PUNCT
cuesj-711	99	17	offline	offline	ADJ
cuesj-711	99	18	payment	payment	NOUN
cuesj-711	99	19	transactions	transaction	NOUN
cuesj-711	99	20	,	,	PUNCT
cuesj-711	99	21	and	and	CCONJ
cuesj-711	99	22	touch	touch	VERB
cuesj-711	99	23	and	and	CCONJ
cuesj-711	99	24	go	go	VERB
cuesj-711	99	25	nfc	nfc	NOUN
cuesj-711	99	26	payment	payment	NOUN
cuesj-711	99	27	.	.	PUNCT
cuesj-711	100	1	the	the	DET
cuesj-711	100	2	suggested	suggest	VERB
cuesj-711	100	3	solution	solution	NOUN
cuesj-711	100	4	applies	apply	VERB
cuesj-711	100	5	to	to	ADP
cuesj-711	100	6	online	online	ADJ
cuesj-711	100	7	and	and	CCONJ
cuesj-711	100	8	offline	offline	ADJ
cuesj-711	100	9	transactions	transaction	NOUN
cuesj-711	100	10	in	in	ADP
cuesj-711	100	11	the	the	DET
cuesj-711	100	12	banking	banking	NOUN
cuesj-711	100	13	and	and	CCONJ
cuesj-711	100	14	payment	payment	NOUN
cuesj-711	100	15	sectors	sector	NOUN
cuesj-711	100	16	.	.	PUNCT
cuesj-711	101	1	as	as	ADP
cuesj-711	101	2	a	a	DET
cuesj-711	101	3	result	result	NOUN
cuesj-711	101	4	,	,	PUNCT
cuesj-711	101	5	it	it	PRON
cuesj-711	101	6	is	be	AUX
cuesj-711	101	7	appropriate	appropriate	ADJ
cuesj-711	101	8	for	for	ADP
cuesj-711	101	9	countries	country	NOUN
cuesj-711	101	10	with	with	ADP
cuesj-711	101	11	limited	limited	ADJ
cuesj-711	101	12	internet	internet	NOUN
cuesj-711	101	13	connections	connection	NOUN
cuesj-711	101	14	.	.	PUNCT
cuesj-711	102	1	finally	finally	ADV
cuesj-711	102	2	,	,	PUNCT
cuesj-711	102	3	the	the	DET
cuesj-711	102	4	intended	intend	VERB
cuesj-711	102	5	contributions	contribution	NOUN
cuesj-711	102	6	were	be	AUX
cuesj-711	102	7	successful	successful	ADJ
cuesj-711	102	8	,	,	PUNCT
cuesj-711	102	9	resulting	result	VERB
cuesj-711	102	10	in	in	ADP
cuesj-711	102	11	favorable	favorable	ADJ
cuesj-711	102	12	outcomes	outcome	NOUN
cuesj-711	102	13	and	and	CCONJ
cuesj-711	102	14	distinctive	distinctive	ADJ
cuesj-711	102	15	contributions	contribution	NOUN
cuesj-711	102	16	.	.	PUNCT
cuesj-711	103	1	references	reference	NOUN
cuesj-711	103	2	1	1	NUM
cuesj-711	103	3	.	.	PUNCT
cuesj-711	103	4	m.	m.	PROPN
cuesj-711	103	5	olsen	olsen	PROPN
cuesj-711	103	6	,	,	PUNCT
cuesj-711	103	7	j.	j.	PROPN
cuesj-711	103	8	hedman	hedman	PROPN
cuesj-711	103	9	and	and	CCONJ
cuesj-711	103	10	r.	r.	PROPN
cuesj-711	103	11	vatrapu	vatrapu	PROPN
cuesj-711	103	12	.	.	PUNCT
cuesj-711	104	1	hci	hci	PROPN
cuesj-711	104	2	issues	issue	NOUN
cuesj-711	104	3	in	in	ADP
cuesj-711	104	4	mobile	mobile	ADJ
cuesj-711	104	5	wallet	wallet	NOUN
cuesj-711	104	6	design	design	NOUN
cuesj-711	104	7	,	,	PUNCT
cuesj-711	104	8	in	in	ADP
cuesj-711	104	9	the	the	DET
cuesj-711	104	10	tenth	tenth	ADJ
cuesj-711	104	11	annual	annual	ADJ
cuesj-711	104	12	pre	pre	ADJ
cuesj-711	104	13	-	-	NOUN
cuesj-711	104	14	icis	icis	ADJ
cuesj-711	104	15	workshop	workshop	NOUN
cuesj-711	104	16	on	on	ADP
cuesj-711	104	17	hci	hci	NOUN
cuesj-711	104	18	research	research	NOUN
cuesj-711	104	19	.	.	PUNCT
cuesj-711	105	1	china	china	PROPN
cuesj-711	105	2	:	:	PUNCT
cuesj-711	105	3	shanghai	shanghai	PROPN
cuesj-711	105	4	,	,	PUNCT
cuesj-711	105	5	2011	2011	NUM
cuesj-711	105	6	.	.	PUNCT
cuesj-711	106	1	2	2	X
cuesj-711	106	2	.	.	X
cuesj-711	106	3	definition	definition	NOUN
cuesj-711	106	4	of	of	ADP
cuesj-711	106	5	“	"	PUNCT
cuesj-711	106	6	e	e	NOUN
cuesj-711	106	7	-	-	NOUN
cuesj-711	106	8	wallets	wallet	NOUN
cuesj-711	106	9	”	"	PUNCT
cuesj-711	106	10	.	.	PUNCT
cuesj-711	107	1	times	times	PROPN
cuesj-711	107	2	syndication	syndication	PROPN
cuesj-711	107	3	service	service	NOUN
cuesj-711	107	4	.	.	PUNCT
cuesj-711	108	1	available	available	ADJ
cuesj-711	108	2	from	from	ADP
cuesj-711	108	3	:	:	PUNCT
cuesj-711	108	4	https://www.economictimes.indiatimes.com/definition/ewallets	https://www.economictimes.indiatimes.com/definition/ewallet	NOUN
cuesj-711	108	5	[	[	X
cuesj-711	108	6	last	last	ADV
cuesj-711	108	7	accessed	access	VERB
cuesj-711	108	8	on	on	ADP
cuesj-711	108	9	2022	2022	NUM
cuesj-711	108	10	mar	mar	PROPN
cuesj-711	108	11	14	14	NUM
cuesj-711	108	12	]	]	PUNCT
cuesj-711	108	13	.	.	PUNCT
cuesj-711	109	1	3	3	X
cuesj-711	109	2	.	.	PUNCT
cuesj-711	109	3	a.	a.	PROPN
cuesj-711	109	4	madan	madan	PROPN
cuesj-711	109	5	and	and	CCONJ
cuesj-711	109	6	m.	m.	PROPN
cuesj-711	109	7	i.	i.	PROPN
cuesj-711	109	8	rosca	rosca	PROPN
cuesj-711	109	9	.	.	PUNCT
cuesj-711	110	1	current	current	ADJ
cuesj-711	110	2	trends	trend	NOUN
cuesj-711	110	3	in	in	ADP
cuesj-711	110	4	digital	digital	ADJ
cuesj-711	110	5	marketing	marketing	NOUN
cuesj-711	110	6	communication	communication	NOUN
cuesj-711	110	7	.	.	PUNCT
cuesj-711	111	1	journal	journal	NOUN
cuesj-711	111	2	of	of	ADP
cuesj-711	111	3	marketing	marketing	NOUN
cuesj-711	111	4	research	research	NOUN
cuesj-711	111	5	and	and	CCONJ
cuesj-711	111	6	case	case	NOUN
cuesj-711	111	7	studies	study	NOUN
cuesj-711	111	8	,	,	PUNCT
cuesj-711	111	9	vol	vol	NOUN
cuesj-711	111	10	.	.	PROPN
cuesj-711	111	11	2022	2022	NUM
cuesj-711	111	12	,	,	PUNCT
cuesj-711	111	13	pp	pp	ADJ
cuesj-711	111	14	.	.	PUNCT
cuesj-711	112	1	1	1	NUM
cuesj-711	112	2	-	-	SYM
cuesj-711	112	3	13	13	NUM
cuesj-711	112	4	,	,	PUNCT
cuesj-711	112	5	2022	2022	NUM
cuesj-711	112	6	.	.	PUNCT
cuesj-711	113	1	4	4	X
cuesj-711	113	2	.	.	X
cuesj-711	113	3	v.	v.	ADP
cuesj-711	113	4	vinatier	vinatier	NOUN
cuesj-711	113	5	.	.	PUNCT
cuesj-711	114	1	investment	investment	NOUN
cuesj-711	114	2	managers	manager	NOUN
cuesj-711	114	3	.	.	PUNCT
cuesj-711	115	1	available	available	ADJ
cuesj-711	115	2	from	from	ADP
cuesj-711	115	3	:	:	PUNCT
cuesj-711	115	4	https://www	https://www	PROPN
cuesj-711	115	5	.	.	PUNCT
cuesj-711	116	1	axa-im.com/insights/future-trends/digital-economy/why-scalematters-evolving-landscape-cashless-payments	axa-im.com/insights/future-trends/digital-economy/why-scalematters-evolving-landscape-cashless-payment	NOUN
cuesj-711	117	1	[	[	X
cuesj-711	117	2	last	last	ADV
cuesj-711	117	3	accessed	access	VERB
cuesj-711	117	4	on	on	ADP
cuesj-711	117	5	2022	2022	NUM
cuesj-711	117	6	mar	mar	PROPN
cuesj-711	117	7	14	14	NUM
cuesj-711	117	8	]	]	PUNCT
cuesj-711	117	9	.	.	PUNCT
cuesj-711	118	1	5	5	X
cuesj-711	118	2	.	.	X
cuesj-711	118	3	g.	g.	PROPN
cuesj-711	118	4	oprescu	oprescu	PROPN
cuesj-711	118	5	and	and	CCONJ
cuesj-711	118	6	d.	d.	PROPN
cuesj-711	118	7	eleodor	eleodor	PROPN
cuesj-711	118	8	.	.	PUNCT
cuesj-711	119	1	the	the	DET
cuesj-711	119	2	impact	impact	NOUN
cuesj-711	119	3	of	of	ADP
cuesj-711	119	4	the	the	DET
cuesj-711	119	5	digital	digital	ADJ
cuesj-711	119	6	economy	economy	NOUN
cuesj-711	119	7	’s	’s	PART
cuesj-711	119	8	development	development	NOUN
cuesj-711	119	9	on	on	ADP
cuesj-711	119	10	competition	competition	NOUN
cuesj-711	119	11	.	.	PUNCT
cuesj-711	120	1	bucharest	buchar	ADJ
cuesj-711	120	2	:	:	PUNCT
cuesj-711	120	3	international	international	ADJ
cuesj-711	120	4	conference	conference	NOUN
cuesj-711	120	5	of	of	ADP
cuesj-711	120	6	the	the	DET
cuesj-711	120	7	institute	institute	NOUN
cuesj-711	120	8	for	for	ADP
cuesj-711	120	9	business	business	PROPN
cuesj-711	120	10	administration	administration	NOUN
cuesj-711	120	11	,	,	PUNCT
cuesj-711	120	12	2014	2014	NUM
cuesj-711	120	13	.	.	PUNCT
cuesj-711	121	1	6	6	NUM
cuesj-711	121	2	.	.	PUNCT
cuesj-711	121	3	a.	a.	NOUN
cuesj-711	121	4	dhir	dhir	PROPN
cuesj-711	121	5	.	.	PUNCT
cuesj-711	122	1	v.	v.	ADP
cuesj-711	122	2	scuotto	scuotto	NOUN
cuesj-711	122	3	.	.	PUNCT
cuesj-711	123	1	p.	p.	NOUN
cuesj-711	123	2	kaur	kaur	PROPN
cuesj-711	123	3	and	and	CCONJ
cuesj-711	123	4	shalini	shalini	PROPN
cuesj-711	123	5	talwar	talwar	PROPN
cuesj-711	123	6	.	.	PUNCT
cuesj-711	124	1	barriers	barrier	NOUN
cuesj-711	124	2	and	and	CCONJ
cuesj-711	124	3	paradoxical	paradoxical	ADJ
cuesj-711	124	4	recommendation	recommendation	NOUN
cuesj-711	124	5	behaviour	behaviour	NOUN
cuesj-711	124	6	in	in	ADP
cuesj-711	124	7	online	online	ADV
cuesj-711	124	8	to	to	PART
cuesj-711	124	9	offline	offline	VERB
cuesj-711	124	10	(	(	PUNCT
cuesj-711	124	11	o2o	o2o	NOUN
cuesj-711	124	12	)	)	PUNCT
cuesj-711	124	13	services	service	NOUN
cuesj-711	124	14	.	.	PUNCT
cuesj-711	125	1	a	a	DET
cuesj-711	125	2	convergent	convergent	ADJ
cuesj-711	125	3	mixed	mixed	ADJ
cuesj-711	125	4	-	-	PUNCT
cuesj-711	125	5	method	method	NOUN
cuesj-711	125	6	study	study	NOUN
cuesj-711	125	7	.	.	PUNCT
cuesj-711	126	1	journal	journal	PROPN
cuesj-711	126	2	of	of	ADP
cuesj-711	126	3	business	business	NOUN
cuesj-711	126	4	research	research	NOUN
cuesj-711	126	5	,	,	PUNCT
cuesj-711	126	6	vol	vol	NOUN
cuesj-711	126	7	.	.	PROPN
cuesj-711	127	1	131	131	NUM
cuesj-711	127	2	,	,	PUNCT
cuesj-711	127	3	pp	pp	ADJ
cuesj-711	127	4	.	.	PUNCT
cuesj-711	128	1	25	25	NUM
cuesj-711	128	2	-	-	SYM
cuesj-711	128	3	39	39	NUM
cuesj-711	128	4	,	,	PUNCT
cuesj-711	128	5	2021	2021	NUM
cuesj-711	128	6	.	.	PUNCT
cuesj-711	129	1	7	7	X
cuesj-711	129	2	.	.	X
cuesj-711	129	3	n.	n.	NOUN
cuesj-711	129	4	sabli	sabli	PROPN
cuesj-711	129	5	,	,	PUNCT
cuesj-711	129	6	n.	n.	PROPN
cuesj-711	129	7	e.	e.	PROPN
cuesj-711	129	8	pforditen	pforditen	PROPN
cuesj-711	129	9	,	,	PUNCT
cuesj-711	129	10	k.	k.	PROPN
cuesj-711	129	11	supian	supian	PROPN
cuesj-711	129	12	,	,	PUNCT
cuesj-711	129	13	f.	f.	PROPN
cuesj-711	129	14	n.	n.	PROPN
cuesj-711	129	15	azmi	azmi	PROPN
cuesj-711	129	16	and	and	CCONJ
cuesj-711	129	17	n.	n.	PROPN
cuesj-711	129	18	a.	a.	NOUN
cuesj-711	129	19	solihin	solihin	PROPN
cuesj-711	129	20	.	.	PUNCT
cuesj-711	130	1	the	the	DET
cuesj-711	130	2	acceptance	acceptance	NOUN
cuesj-711	130	3	of	of	ADP
cuesj-711	130	4	e	e	NOUN
cuesj-711	130	5	-	-	NOUN
cuesj-711	130	6	wallet	wallet	NOUN
cuesj-711	130	7	in	in	ADP
cuesj-711	130	8	malaysia	malaysia	PROPN
cuesj-711	130	9	.	.	PUNCT
cuesj-711	131	1	selangor	selangor	PROPN
cuesj-711	131	2	business	business	PROPN
cuesj-711	131	3	review	review	PROPN
cuesj-711	131	4	,	,	PUNCT
cuesj-711	131	5	vol	vol	NOUN
cuesj-711	131	6	.	.	PROPN
cuesj-711	131	7	6	6	NUM
cuesj-711	131	8	,	,	PUNCT
cuesj-711	131	9	no	no	INTJ
cuesj-711	131	10	.	.	NOUN
cuesj-711	131	11	1	1	NUM
cuesj-711	131	12	,	,	PUNCT
cuesj-711	131	13	pp	pp	ADJ
cuesj-711	131	14	.	.	PUNCT
cuesj-711	132	1	1	1	NUM
cuesj-711	132	2	-	-	SYM
cuesj-711	132	3	14	14	NUM
cuesj-711	132	4	,	,	PUNCT
cuesj-711	132	5	2021	2021	NUM
cuesj-711	132	6	.	.	PUNCT
cuesj-711	133	1	8	8	NUM
cuesj-711	133	2	.	.	PUNCT
cuesj-711	134	1	p.	p.	NOUN
cuesj-711	134	2	pourghomi	pourghomi	NOUN
cuesj-711	135	1	and	and	CCONJ
cuesj-711	135	2	g.	g.	PROPN
cuesj-711	135	3	ghinea	ghinea	PROPN
cuesj-711	135	4	.	.	PUNCT
cuesj-711	136	1	managing	manage	VERB
cuesj-711	136	2	nfc	nfc	NOUN
cuesj-711	136	3	payments	payment	NOUN
cuesj-711	136	4	applications	application	NOUN
cuesj-711	136	5	through	through	ADP
cuesj-711	136	6	cloud	cloud	NOUN
cuesj-711	136	7	computing	computing	NOUN
cuesj-711	136	8	.	.	PUNCT
cuesj-711	137	1	in	in	ADP
cuesj-711	137	2	:	:	PUNCT
cuesj-711	137	3	7th	7th	ADJ
cuesj-711	137	4	international	international	ADJ
cuesj-711	137	5	conference	conference	NOUN
cuesj-711	137	6	for	for	ADP
cuesj-711	137	7	internet	internet	NOUN
cuesj-711	137	8	technology	technology	NOUN
cuesj-711	137	9	and	and	CCONJ
cuesj-711	137	10	secured	secured	ADJ
cuesj-711	137	11	transactions	transaction	NOUN
cuesj-711	137	12	(	(	PUNCT
cuesj-711	137	13	icitst	icitst	ADV
cuesj-711	137	14	)	)	PUNCT
cuesj-711	137	15	,	,	PUNCT
cuesj-711	137	16	ieee	ieee	NOUN
cuesj-711	137	17	,	,	PUNCT
cuesj-711	137	18	2012	2012	NUM
cuesj-711	137	19	.	.	PUNCT
cuesj-711	138	1	ole_link1	ole_link1	VERB
cuesj-711	138	2	_	_	PUNCT
cuesj-711	138	3	goback	goback	NOUN