id	sid	tid	token	lemma	pos
cana-5091	1	1	communications	communication	NOUN
cana-5091	1	2	on	on	ADP
cana-5091	1	3	applied	apply	VERB
cana-5091	1	4	nonlinear	nonlinear	ADJ
cana-5091	1	5	analysis	analysis	NOUN
cana-5091	1	6	issn	issn	NOUN
cana-5091	1	7	:	:	PUNCT
cana-5091	1	8	1074	1074	NUM
cana-5091	1	9	-	-	PUNCT
cana-5091	1	10	133x	133x	NUM
cana-5091	1	11	vol	vol	NOUN
cana-5091	1	12	32	32	NUM
cana-5091	1	13	no	no	NOUN
cana-5091	1	14	.	.	PUNCT
cana-5091	2	1	icmasd	icmasd	NOUN
cana-5091	2	2	(	(	PUNCT
cana-5091	2	3	2025	2025	NUM
cana-5091	2	4	)	)	PUNCT
cana-5091	2	5	619	619	NUM
cana-5091	2	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	2	7	om	om	PROPN
cana-5091	2	8	an	an	DET
cana-5091	2	9	evaluative	evaluative	ADJ
cana-5091	2	10	study	study	NOUN
cana-5091	2	11	on	on	ADP
cana-5091	2	12	internet	internet	NOUN
cana-5091	2	13	banking	banking	NOUN
cana-5091	2	14	usage	usage	NOUN
cana-5091	2	15	among	among	ADP
cana-5091	2	16	middle	middle	ADJ
cana-5091	2	17	age	age	NOUN
cana-5091	2	18	and	and	CCONJ
cana-5091	2	19	youngsters	youngster	NOUN
cana-5091	2	20	karmjeet	karmjeet	PROPN
cana-5091	2	21	kaur1	kaur1	PROPN
cana-5091	2	22	,	,	PUNCT
cana-5091	2	23	sahil	sahil	PROPN
cana-5091	2	24	bhalla1	bhalla1	PROPN
cana-5091	2	25	1	1	NUM
cana-5091	2	26	ct	ct	PROPN
cana-5091	2	27	university	university	PROPN
cana-5091	2	28	,	,	PUNCT
cana-5091	2	29	ludhiana	ludhiana	PROPN
cana-5091	2	30	,	,	PUNCT
cana-5091	2	31	india	india	PROPN
cana-5091	2	32	article	article	PROPN
cana-5091	2	33	history	history	NOUN
cana-5091	2	34	:	:	PUNCT
cana-5091	2	35	received	receive	VERB
cana-5091	2	36	:	:	PUNCT
cana-5091	2	37	12	12	NUM
cana-5091	2	38	-	-	SYM
cana-5091	2	39	12	12	NUM
cana-5091	2	40	-	-	PUNCT
cana-5091	2	41	2024	2024	NUM
cana-5091	2	42	revised	revise	VERB
cana-5091	2	43	:	:	PUNCT
cana-5091	2	44	25	25	NUM
cana-5091	2	45	-	-	PUNCT
cana-5091	2	46	01	01	NUM
cana-5091	2	47	-	-	PUNCT
cana-5091	2	48	2025	2025	NUM
cana-5091	2	49	accepted	accept	VERB
cana-5091	2	50	:	:	PUNCT
cana-5091	2	51	05	05	NUM
cana-5091	2	52	-	-	PUNCT
cana-5091	2	53	02	02	NUM
cana-5091	2	54	-	-	PUNCT
cana-5091	2	55	2025	2025	NUM
cana-5091	2	56	abstract	abstract	NOUN
cana-5091	2	57	:	:	PUNCT
cana-5091	2	58	today	today	NOUN
cana-5091	2	59	’s	’s	PART
cana-5091	2	60	era	era	NOUN
cana-5091	2	61	is	be	AUX
cana-5091	2	62	of	of	ADP
cana-5091	2	63	technology	technology	NOUN
cana-5091	2	64	.	.	PUNCT
cana-5091	3	1	technology	technology	NOUN
cana-5091	3	2	,	,	PUNCT
cana-5091	3	3	especially	especially	ADV
cana-5091	3	4	the	the	DET
cana-5091	3	5	internet	internet	NOUN
cana-5091	3	6	,	,	PUNCT
cana-5091	3	7	has	have	AUX
cana-5091	3	8	changed	change	VERB
cana-5091	3	9	how	how	SCONJ
cana-5091	3	10	people	people	NOUN
cana-5091	3	11	and	and	CCONJ
cana-5091	3	12	businesses	business	NOUN
cana-5091	3	13	behave	behave	VERB
cana-5091	3	14	.	.	PUNCT
cana-5091	4	1	banking	banking	NOUN
cana-5091	4	2	industry	industry	NOUN
cana-5091	4	3	mostly	mostly	ADV
cana-5091	4	4	depends	depend	VERB
cana-5091	4	5	on	on	ADP
cana-5091	4	6	information	information	NOUN
cana-5091	4	7	technology	technology	NOUN
cana-5091	4	8	(	(	PUNCT
cana-5091	4	9	it	it	PRON
cana-5091	4	10	)	)	PUNCT
cana-5091	4	11	to	to	PART
cana-5091	4	12	gather	gather	VERB
cana-5091	4	13	,	,	PUNCT
cana-5091	4	14	process	process	NOUN
cana-5091	4	15	,	,	PUNCT
cana-5091	4	16	and	and	CCONJ
cana-5091	4	17	distribute	distribute	VERB
cana-5091	4	18	data	datum	NOUN
cana-5091	4	19	to	to	ADP
cana-5091	4	20	all	all	DET
cana-5091	4	21	pertinent	pertinent	ADJ
cana-5091	4	22	clients	client	NOUN
cana-5091	4	23	.	.	PUNCT
cana-5091	5	1	the	the	DET
cana-5091	5	2	way	way	NOUN
cana-5091	5	3	banks	bank	NOUN
cana-5091	5	4	operate	operate	VERB
cana-5091	5	5	,	,	PUNCT
cana-5091	5	6	deliver	deliver	VERB
cana-5091	5	7	,	,	PUNCT
cana-5091	5	8	and	and	CCONJ
cana-5091	5	9	compete	compete	VERB
cana-5091	5	10	with	with	ADP
cana-5091	5	11	one	one	NOUN
cana-5091	5	12	another	another	PRON
cana-5091	5	13	is	be	AUX
cana-5091	5	14	revolutionized	revolutionize	VERB
cana-5091	5	15	by	by	ADP
cana-5091	5	16	the	the	DET
cana-5091	5	17	smart	smart	ADJ
cana-5091	5	18	use	use	NOUN
cana-5091	5	19	of	of	ADP
cana-5091	5	20	internet	internet	NOUN
cana-5091	5	21	technology	technology	NOUN
cana-5091	5	22	.	.	PUNCT
cana-5091	6	1	these	these	DET
cana-5091	6	2	technological	technological	ADJ
cana-5091	6	3	and	and	CCONJ
cana-5091	6	4	operational	operational	ADJ
cana-5091	6	5	changes	change	NOUN
cana-5091	6	6	have	have	VERB
cana-5091	6	7	an	an	DET
cana-5091	6	8	effect	effect	NOUN
cana-5091	6	9	on	on	ADP
cana-5091	6	10	different	different	ADJ
cana-5091	6	11	age	age	NOUN
cana-5091	6	12	group	group	NOUN
cana-5091	6	13	population	population	NOUN
cana-5091	6	14	banking	banking	NOUN
cana-5091	6	15	,	,	PUNCT
cana-5091	6	16	groups	group	NOUN
cana-5091	6	17	,	,	PUNCT
cana-5091	6	18	and	and	CCONJ
cana-5091	6	19	individuals	individual	NOUN
cana-5091	6	20	must	must	AUX
cana-5091	6	21	comprehend	comprehend	VERB
cana-5091	6	22	these	these	DET
cana-5091	6	23	effects	effect	NOUN
cana-5091	6	24	on	on	ADP
cana-5091	6	25	different	different	ADJ
cana-5091	6	26	age	age	NOUN
cana-5091	6	27	group	group	NOUN
cana-5091	6	28	population	population	NOUN
cana-5091	6	29	in	in	ADP
cana-5091	6	30	order	order	NOUN
cana-5091	6	31	to	to	PART
cana-5091	6	32	effectively	effectively	ADV
cana-5091	6	33	conduct	conduct	VERB
cana-5091	6	34	e	e	NOUN
cana-5091	6	35	-	-	NOUN
cana-5091	6	36	banking	banking	NOUN
cana-5091	6	37	.	.	PUNCT
cana-5091	7	1	the	the	DET
cana-5091	7	2	purpose	purpose	NOUN
cana-5091	7	3	of	of	ADP
cana-5091	7	4	this	this	DET
cana-5091	7	5	study	study	NOUN
cana-5091	7	6	is	be	AUX
cana-5091	7	7	to	to	PART
cana-5091	7	8	analyze	analyze	VERB
cana-5091	7	9	the	the	DET
cana-5091	7	10	socio	socio	NOUN
cana-5091	7	11	economic	economic	ADJ
cana-5091	7	12	profile	profile	NOUN
cana-5091	7	13	of	of	ADP
cana-5091	7	14	internet	internet	NOUN
cana-5091	7	15	banking	banking	NOUN
cana-5091	7	16	user	user	NOUN
cana-5091	7	17	of	of	ADP
cana-5091	7	18	middle	middle	ADJ
cana-5091	7	19	aged	aged	ADJ
cana-5091	7	20	(	(	PUNCT
cana-5091	7	21	41	41	NUM
cana-5091	7	22	-	-	SYM
cana-5091	7	23	65	65	NUM
cana-5091	7	24	years	year	NOUN
cana-5091	7	25	of	of	ADP
cana-5091	7	26	age	age	NOUN
cana-5091	7	27	)	)	PUNCT
cana-5091	7	28	and	and	CCONJ
cana-5091	7	29	youngster	youngster	ADJ
cana-5091	7	30	(	(	PUNCT
cana-5091	7	31	21	21	NUM
cana-5091	7	32	-	-	SYM
cana-5091	7	33	40	40	NUM
cana-5091	7	34	years	year	NOUN
cana-5091	7	35	of	of	ADP
cana-5091	7	36	age	age	NOUN
cana-5091	7	37	)	)	PUNCT
cana-5091	7	38	.	.	PUNCT
cana-5091	8	1	the	the	DET
cana-5091	8	2	sample	sample	NOUN
cana-5091	8	3	size	size	NOUN
cana-5091	8	4	is	be	AUX
cana-5091	8	5	500	500	NUM
cana-5091	8	6	.	.	PUNCT
cana-5091	9	1	self	self	NOUN
cana-5091	9	2	made	make	VERB
cana-5091	9	3	questionnaire	questionnaire	NOUN
cana-5091	9	4	is	be	AUX
cana-5091	9	5	used	use	VERB
cana-5091	9	6	in	in	ADP
cana-5091	9	7	this	this	DET
cana-5091	9	8	research	research	NOUN
cana-5091	9	9	to	to	PART
cana-5091	9	10	collect	collect	VERB
cana-5091	9	11	first	first	ADJ
cana-5091	9	12	hand	hand	NOUN
cana-5091	9	13	information	information	NOUN
cana-5091	9	14	from	from	ADP
cana-5091	9	15	the	the	DET
cana-5091	9	16	internet	internet	NOUN
cana-5091	9	17	banking	banking	NOUN
cana-5091	9	18	services	service	NOUN
cana-5091	9	19	users	user	NOUN
cana-5091	9	20	.	.	PUNCT
cana-5091	10	1	purposive	purposive	ADJ
cana-5091	10	2	and	and	CCONJ
cana-5091	10	3	convenient	convenient	ADJ
cana-5091	10	4	sampling	sampling	NOUN
cana-5091	10	5	strategies	strategy	NOUN
cana-5091	10	6	were	be	AUX
cana-5091	10	7	used	use	VERB
cana-5091	10	8	to	to	PART
cana-5091	10	9	choose	choose	VERB
cana-5091	10	10	the	the	DET
cana-5091	10	11	sample	sample	NOUN
cana-5091	10	12	.	.	PUNCT
cana-5091	11	1	four	four	NUM
cana-5091	11	2	locations	location	NOUN
cana-5091	11	3	were	be	AUX
cana-5091	11	4	chosen	choose	VERB
cana-5091	11	5	to	to	PART
cana-5091	11	6	include	include	VERB
cana-5091	11	7	both	both	CCONJ
cana-5091	11	8	urban	urban	ADJ
cana-5091	11	9	and	and	CCONJ
cana-5091	11	10	rural	rural	ADJ
cana-5091	11	11	settings	setting	NOUN
cana-5091	11	12	.	.	PUNCT
cana-5091	12	1	the	the	DET
cana-5091	12	2	data	datum	NOUN
cana-5091	12	3	has	have	AUX
cana-5091	12	4	been	be	AUX
cana-5091	12	5	gathered	gather	VERB
cana-5091	12	6	through	through	ADP
cana-5091	12	7	interviews	interview	NOUN
cana-5091	12	8	and	and	CCONJ
cana-5091	12	9	questionnaires	questionnaire	NOUN
cana-5091	12	10	.	.	PUNCT
cana-5091	13	1	the	the	DET
cana-5091	13	2	statistical	statistical	ADJ
cana-5091	13	3	techniques	technique	NOUN
cana-5091	13	4	like	like	ADP
cana-5091	13	5	frequency	frequency	NOUN
cana-5091	13	6	,	,	PUNCT
cana-5091	13	7	mean	mean	VERB
cana-5091	13	8	,	,	PUNCT
cana-5091	13	9	and	and	CCONJ
cana-5091	13	10	chi	chi	ADJ
cana-5091	13	11	-	-	PUNCT
cana-5091	13	12	square	square	NOUN
cana-5091	13	13	etc	etc	X
cana-5091	13	14	.	.	X
cana-5091	13	15	are	be	AUX
cana-5091	13	16	used	use	VERB
cana-5091	13	17	for	for	ADP
cana-5091	13	18	analysis	analysis	NOUN
cana-5091	13	19	.	.	PUNCT
cana-5091	14	1	the	the	DET
cana-5091	14	2	finding	finding	NOUN
cana-5091	14	3	of	of	ADP
cana-5091	14	4	the	the	DET
cana-5091	14	5	study	study	NOUN
cana-5091	14	6	reveals	reveal	VERB
cana-5091	14	7	that	that	SCONJ
cana-5091	14	8	middle	middle	ADJ
cana-5091	14	9	age	age	NOUN
cana-5091	14	10	users	user	NOUN
cana-5091	14	11	use	use	VERB
cana-5091	14	12	internet	internet	NOUN
cana-5091	14	13	banking	banking	NOUN
cana-5091	14	14	services	service	NOUN
cana-5091	14	15	for	for	ADP
cana-5091	14	16	different	different	ADJ
cana-5091	14	17	activities	activity	NOUN
cana-5091	14	18	as	as	SCONJ
cana-5091	14	19	compared	compare	VERB
cana-5091	14	20	to	to	ADP
cana-5091	14	21	youngsters	youngster	NOUN
cana-5091	14	22	.	.	PUNCT
cana-5091	15	1	convenience	convenience	NOUN
cana-5091	15	2	,	,	PUNCT
cana-5091	15	3	knowledge	knowledge	NOUN
cana-5091	15	4	and	and	CCONJ
cana-5091	15	5	support	support	NOUN
cana-5091	15	6	,	,	PUNCT
cana-5091	15	7	trust	trust	NOUN
cana-5091	15	8	and	and	CCONJ
cana-5091	15	9	security	security	NOUN
cana-5091	15	10	are	be	AUX
cana-5091	15	11	the	the	DET
cana-5091	15	12	major	major	ADJ
cana-5091	15	13	reasons	reason	NOUN
cana-5091	15	14	for	for	ADP
cana-5091	15	15	using	use	VERB
cana-5091	15	16	internet	internet	NOUN
cana-5091	15	17	banking	banking	NOUN
cana-5091	15	18	by	by	ADP
cana-5091	15	19	the	the	DET
cana-5091	15	20	users	user	NOUN
cana-5091	15	21	,	,	PUNCT
cana-5091	15	22	while	while	SCONJ
cana-5091	15	23	the	the	DET
cana-5091	15	24	non	non	NOUN
cana-5091	15	25	-	-	ADJ
cana-5091	15	26	users	user	NOUN
cana-5091	15	27	mentioned	mention	VERB
cana-5091	15	28	unawareness	unawareness	NOUN
cana-5091	15	29	,	,	PUNCT
cana-5091	15	30	in	in	ADP
cana-5091	15	31	convenience	convenience	NOUN
cana-5091	15	32	and	and	CCONJ
cana-5091	15	33	security	security	NOUN
cana-5091	15	34	concerns	concern	NOUN
cana-5091	15	35	as	as	ADP
cana-5091	15	36	reasons	reason	NOUN
cana-5091	15	37	for	for	ADP
cana-5091	15	38	not	not	PART
cana-5091	15	39	using	use	VERB
cana-5091	15	40	.	.	PUNCT
cana-5091	16	1	keywords	keyword	NOUN
cana-5091	16	2	:	:	PUNCT
cana-5091	16	3	internet	internet	NOUN
cana-5091	16	4	banking	banking	NOUN
cana-5091	16	5	,	,	PUNCT
cana-5091	16	6	technology	technology	NOUN
cana-5091	16	7	,	,	PUNCT
cana-5091	16	8	customer	customer	NOUN
cana-5091	16	9	satisfaction	satisfaction	NOUN
cana-5091	16	10	and	and	CCONJ
cana-5091	16	11	risk	risk	NOUN
cana-5091	16	12	introduction	introduction	NOUN
cana-5091	16	13	every	every	DET
cana-5091	16	14	facet	facet	NOUN
cana-5091	16	15	of	of	ADP
cana-5091	16	16	contemporary	contemporary	ADJ
cana-5091	16	17	society	society	NOUN
cana-5091	16	18	has	have	AUX
cana-5091	16	19	been	be	AUX
cana-5091	16	20	impacted	impact	VERB
cana-5091	16	21	by	by	ADP
cana-5091	16	22	technology	technology	NOUN
cana-5091	16	23	in	in	ADP
cana-5091	16	24	recent	recent	ADJ
cana-5091	16	25	decades	decade	NOUN
cana-5091	16	26	,	,	PUNCT
cana-5091	16	27	and	and	CCONJ
cana-5091	16	28	people	people	NOUN
cana-5091	16	29	's	's	PART
cana-5091	16	30	daily	daily	ADJ
cana-5091	16	31	lives	life	NOUN
cana-5091	16	32	are	be	AUX
cana-5091	16	33	increasingly	increasingly	ADV
cana-5091	16	34	including	include	VERB
cana-5091	16	35	the	the	DET
cana-5091	16	36	usage	usage	NOUN
cana-5091	16	37	of	of	ADP
cana-5091	16	38	many	many	ADJ
cana-5091	16	39	technologies	technology	NOUN
cana-5091	16	40	.	.	PUNCT
cana-5091	17	1	many	many	ADJ
cana-5091	17	2	services	service	NOUN
cana-5091	17	3	and	and	CCONJ
cana-5091	17	4	resources	resource	NOUN
cana-5091	17	5	are	be	AUX
cana-5091	17	6	now	now	ADV
cana-5091	17	7	only	only	ADV
cana-5091	17	8	available	available	ADJ
cana-5091	17	9	through	through	ADP
cana-5091	17	10	digital	digital	ADJ
cana-5091	17	11	methods	method	NOUN
cana-5091	17	12	due	due	ADP
cana-5091	17	13	to	to	ADP
cana-5091	17	14	the	the	DET
cana-5091	17	15	ongoing	ongoing	ADJ
cana-5091	17	16	technical	technical	ADJ
cana-5091	17	17	advancement	advancement	NOUN
cana-5091	17	18	that	that	PRON
cana-5091	17	19	has	have	AUX
cana-5091	17	20	resulted	result	VERB
cana-5091	17	21	from	from	ADP
cana-5091	17	22	this	this	PRON
cana-5091	17	23	.	.	PUNCT
cana-5091	18	1	it	it	PRON
cana-5091	18	2	also	also	ADV
cana-5091	18	3	affects	affect	VERB
cana-5091	18	4	financial	financial	ADJ
cana-5091	18	5	services	service	NOUN
cana-5091	18	6	market	market	NOUN
cana-5091	18	7	.	.	PUNCT
cana-5091	19	1	(	(	PUNCT
cana-5091	19	2	raza	raza	PROPN
cana-5091	19	3	,	,	PUNCT
cana-5091	19	4	s.	s.	PROPN
cana-5091	19	5	a.	a.	PROPN
cana-5091	19	6	,	,	PUNCT
cana-5091	19	7	jawaid	jawaid	PROPN
cana-5091	19	8	,	,	PUNCT
cana-5091	19	9	s.	s.	PROPN
cana-5091	19	10	t.	t.	PROPN
cana-5091	19	11	,	,	PUNCT
cana-5091	19	12	&	&	CCONJ
cana-5091	19	13	hassan	hassan	PROPN
cana-5091	19	14	,	,	PUNCT
cana-5091	19	15	a.	a.	NOUN
cana-5091	19	16	2015	2015	NUM
cana-5091	19	17	)	)	PUNCT
cana-5091	19	18	banking	banking	NOUN
cana-5091	19	19	operations	operation	NOUN
cana-5091	19	20	have	have	AUX
cana-5091	19	21	changed	change	VERB
cana-5091	19	22	from	from	ADP
cana-5091	19	23	a	a	DET
cana-5091	19	24	traditional	traditional	ADJ
cana-5091	19	25	system	system	NOUN
cana-5091	19	26	to	to	ADP
cana-5091	19	27	an	an	DET
cana-5091	19	28	electronic	electronic	ADJ
cana-5091	19	29	banking	banking	NOUN
cana-5091	19	30	(	(	PUNCT
cana-5091	19	31	e	e	NOUN
cana-5091	19	32	-	-	NOUN
cana-5091	19	33	banking	banking	ADJ
cana-5091	19	34	)	)	PUNCT
cana-5091	19	35	system	system	NOUN
cana-5091	19	36	due	due	ADP
cana-5091	19	37	to	to	ADP
cana-5091	19	38	the	the	DET
cana-5091	19	39	growing	grow	VERB
cana-5091	19	40	growth	growth	NOUN
cana-5091	19	41	of	of	ADP
cana-5091	19	42	digital	digital	ADJ
cana-5091	19	43	technology	technology	NOUN
cana-5091	19	44	,	,	PUNCT
cana-5091	19	45	especially	especially	ADV
cana-5091	19	46	the	the	DET
cana-5091	19	47	usage	usage	NOUN
cana-5091	19	48	of	of	ADP
cana-5091	19	49	the	the	DET
cana-5091	19	50	internet	internet	NOUN
cana-5091	19	51	for	for	ADP
cana-5091	19	52	commercial	commercial	ADJ
cana-5091	19	53	transactions	transaction	NOUN
cana-5091	19	54	(	(	PUNCT
cana-5091	19	55	tasmin	tasmin	NOUN
cana-5091	19	56	.	.	PUNCT
cana-5091	20	1	r	r	NOUN
cana-5091	20	2	,	,	PUNCT
cana-5091	20	3	aliyu	aliyu	NOUN
cana-5091	20	4	,	,	PUNCT
cana-5091	20	5	a.	a.	NOUN
cana-5091	20	6	a.	a.	PROPN
cana-5091	20	7	and	and	CCONJ
cana-5091	20	8	takala	takala	PROPN
cana-5091	20	9	,	,	PUNCT
cana-5091	20	10	j.	j.	PROPN
cana-5091	20	11	(	(	PUNCT
cana-5091	20	12	2012	2012	NUM
cana-5091	20	13	)	)	PUNCT
cana-5091	20	14	.	.	PUNCT
cana-5091	21	1	the	the	DET
cana-5091	21	2	practice	practice	NOUN
cana-5091	21	3	of	of	ADP
cana-5091	21	4	conducting	conduct	VERB
cana-5091	21	5	financial	financial	ADJ
cana-5091	21	6	transactions	transaction	NOUN
cana-5091	21	7	using	use	VERB
cana-5091	21	8	an	an	DET
cana-5091	21	9	automated	automate	VERB
cana-5091	21	10	information	information	NOUN
cana-5091	21	11	system	system	NOUN
cana-5091	21	12	,	,	PUNCT
cana-5091	21	13	either	either	CCONJ
cana-5091	21	14	with	with	ADP
cana-5091	21	15	or	or	CCONJ
cana-5091	21	16	without	without	ADP
cana-5091	21	17	bank	bank	NOUN
cana-5091	21	18	customers	customer	NOUN
cana-5091	21	19	physically	physically	ADV
cana-5091	21	20	present	present	ADJ
cana-5091	21	21	at	at	ADP
cana-5091	21	22	bank	bank	NOUN
cana-5091	21	23	branches	branch	NOUN
cana-5091	21	24	or	or	CCONJ
cana-5091	21	25	specified	specify	VERB
cana-5091	21	26	sites	site	NOUN
cana-5091	21	27	,	,	PUNCT
cana-5091	21	28	is	be	AUX
cana-5091	21	29	known	know	VERB
cana-5091	21	30	as	as	ADP
cana-5091	21	31	ebanking/	ebanking/	NUM
cana-5091	21	32	internet	internet	NOUN
cana-5091	21	33	banking	banking	NOUN
cana-5091	21	34	.	.	PUNCT
cana-5091	22	1	banking	banking	NOUN
cana-5091	22	2	channels	channel	NOUN
cana-5091	22	3	and	and	CCONJ
cana-5091	22	4	other	other	ADJ
cana-5091	22	5	financial	financial	ADJ
cana-5091	22	6	technology	technology	NOUN
cana-5091	22	7	are	be	AUX
cana-5091	22	8	made	make	VERB
cana-5091	22	9	available	available	ADJ
cana-5091	22	10	to	to	ADP
cana-5091	22	11	consumers	consumer	NOUN
cana-5091	22	12	at	at	ADP
cana-5091	22	13	their	their	PRON
cana-5091	22	14	convenience	convenience	NOUN
cana-5091	22	15	through	through	ADP
cana-5091	22	16	e	e	NOUN
cana-5091	22	17	-	-	NOUN
cana-5091	22	18	banking	banking	NOUN
cana-5091	22	19	,	,	PUNCT
cana-5091	22	20	which	which	PRON
cana-5091	22	21	eliminates	eliminate	VERB
cana-5091	22	22	the	the	DET
cana-5091	22	23	need	need	NOUN
cana-5091	22	24	for	for	SCONJ
cana-5091	22	25	them	they	PRON
cana-5091	22	26	to	to	PART
cana-5091	22	27	physically	physically	ADV
cana-5091	22	28	visit	visit	VERB
cana-5091	22	29	the	the	DET
cana-5091	22	30	bank	bank	NOUN
cana-5091	22	31	's	's	PART
cana-5091	22	32	location	location	NOUN
cana-5091	22	33	.	.	PUNCT
cana-5091	23	1	these	these	DET
cana-5091	23	2	days	day	NOUN
cana-5091	23	3	,	,	PUNCT
cana-5091	23	4	bank	bank	NOUN
cana-5091	23	5	users	user	NOUN
cana-5091	23	6	can	can	AUX
cana-5091	23	7	use	use	VERB
cana-5091	23	8	e	e	NOUN
cana-5091	23	9	-	-	NOUN
cana-5091	23	10	banking	banking	NOUN
cana-5091	23	11	to	to	PART
cana-5091	23	12	do	do	VERB
cana-5091	23	13	almost	almost	ADV
cana-5091	23	14	all	all	PRON
cana-5091	23	15	banking	banking	NOUN
cana-5091	23	16	tasks	task	NOUN
cana-5091	23	17	,	,	PUNCT
cana-5091	23	18	communications	communication	NOUN
cana-5091	23	19	on	on	ADP
cana-5091	23	20	applied	apply	VERB
cana-5091	23	21	nonlinear	nonlinear	ADJ
cana-5091	23	22	analysis	analysis	NOUN
cana-5091	23	23	issn	issn	NOUN
cana-5091	23	24	:	:	PUNCT
cana-5091	23	25	1074	1074	NUM
cana-5091	23	26	-	-	PUNCT
cana-5091	23	27	133x	133x	NUM
cana-5091	23	28	vol	vol	NOUN
cana-5091	23	29	32	32	NUM
cana-5091	23	30	no	no	NOUN
cana-5091	23	31	.	.	PUNCT
cana-5091	24	1	icmasd	icmasd	NOUN
cana-5091	24	2	(	(	PUNCT
cana-5091	24	3	2025	2025	NUM
cana-5091	24	4	)	)	PUNCT
cana-5091	24	5	620	620	NUM
cana-5091	24	6	https://internationalpubls.c	https://internationalpubls.c	ADJ
cana-5091	24	7	om	om	NOUN
cana-5091	24	8	including	include	VERB
cana-5091	24	9	money	money	NOUN
cana-5091	24	10	transfers	transfer	NOUN
cana-5091	24	11	,	,	PUNCT
cana-5091	24	12	online	online	ADJ
cana-5091	24	13	payments	payment	NOUN
cana-5091	24	14	for	for	ADP
cana-5091	24	15	goods	good	NOUN
cana-5091	24	16	and	and	CCONJ
cana-5091	24	17	services	service	NOUN
cana-5091	24	18	,	,	PUNCT
cana-5091	24	19	bills	bill	NOUN
cana-5091	24	20	,	,	PUNCT
cana-5091	24	21	bank	bank	NOUN
cana-5091	24	22	statement	statement	NOUN
cana-5091	24	23	enquiries	enquiry	NOUN
cana-5091	24	24	,	,	PUNCT
cana-5091	24	25	phone	phone	NOUN
cana-5091	24	26	voucher	voucher	ADJ
cana-5091	24	27	top	top	ADJ
cana-5091	24	28	-	-	PUNCT
cana-5091	24	29	ups	up	NOUN
cana-5091	24	30	,	,	PUNCT
cana-5091	24	31	and	and	CCONJ
cana-5091	24	32	many	many	ADJ
cana-5091	24	33	more	more	ADJ
cana-5091	24	34	.	.	PUNCT
cana-5091	25	1	(	(	PUNCT
cana-5091	25	2	rammaiya	rammaiya	NOUN
cana-5091	25	3	,	,	PUNCT
cana-5091	25	4	v.	v.	PROPN
cana-5091	25	5	and	and	CCONJ
cana-5091	25	6	prakash	prakash	PROPN
cana-5091	25	7	,	,	PUNCT
cana-5091	25	8	g.	g.	PROPN
cana-5091	25	9	2019	2019	NUM
cana-5091	25	10	)	)	PUNCT
cana-5091	25	11	.	.	PUNCT
cana-5091	26	1	a	a	DET
cana-5091	26	2	common	common	ADJ
cana-5091	26	3	form	form	NOUN
cana-5091	26	4	of	of	ADP
cana-5091	26	5	e	e	NOUN
cana-5091	26	6	-	-	NOUN
cana-5091	26	7	banking	banking	NOUN
cana-5091	26	8	is	be	AUX
cana-5091	26	9	internet	internet	NOUN
cana-5091	26	10	banking	banking	NOUN
cana-5091	26	11	,	,	PUNCT
cana-5091	26	12	which	which	PRON
cana-5091	26	13	is	be	AUX
cana-5091	26	14	made	make	VERB
cana-5091	26	15	possible	possible	ADJ
cana-5091	26	16	by	by	ADP
cana-5091	26	17	the	the	DET
cana-5091	26	18	ease	ease	NOUN
cana-5091	26	19	of	of	ADP
cana-5091	26	20	using	use	VERB
cana-5091	26	21	an	an	DET
cana-5091	26	22	online	online	ADJ
cana-5091	26	23	account	account	NOUN
cana-5091	26	24	.	.	PUNCT
cana-5091	27	1	internet	internet	NOUN
cana-5091	27	2	banking	banking	NOUN
cana-5091	27	3	refers	refer	VERB
cana-5091	27	4	to	to	ADP
cana-5091	27	5	the	the	DET
cana-5091	27	6	process	process	NOUN
cana-5091	27	7	of	of	ADP
cana-5091	27	8	conducting	conduct	VERB
cana-5091	27	9	financial	financial	ADJ
cana-5091	27	10	transactions	transaction	NOUN
cana-5091	27	11	via	via	ADP
cana-5091	27	12	an	an	DET
cana-5091	27	13	automated	automate	VERB
cana-5091	27	14	information	information	NOUN
cana-5091	27	15	system	system	NOUN
cana-5091	27	16	,	,	PUNCT
cana-5091	27	17	either	either	CCONJ
cana-5091	27	18	with	with	ADP
cana-5091	27	19	or	or	CCONJ
cana-5091	27	20	without	without	ADP
cana-5091	27	21	the	the	DET
cana-5091	27	22	actual	actual	ADJ
cana-5091	27	23	presence	presence	NOUN
cana-5091	27	24	of	of	ADP
cana-5091	27	25	bank	bank	NOUN
cana-5091	27	26	customers	customer	NOUN
cana-5091	27	27	at	at	ADP
cana-5091	27	28	designated	designate	VERB
cana-5091	27	29	locations	location	NOUN
cana-5091	27	30	or	or	CCONJ
cana-5091	27	31	bank	bank	NOUN
cana-5091	27	32	premises	premise	NOUN
cana-5091	27	33	.	.	PUNCT
cana-5091	28	1	internet	internet	NOUN
cana-5091	28	2	banking	banking	NOUN
cana-5091	28	3	eliminates	eliminate	VERB
cana-5091	28	4	the	the	DET
cana-5091	28	5	requirement	requirement	NOUN
cana-5091	28	6	for	for	SCONJ
cana-5091	28	7	clients	client	NOUN
cana-5091	28	8	to	to	PART
cana-5091	28	9	physically	physically	ADV
cana-5091	28	10	visit	visit	VERB
cana-5091	28	11	the	the	DET
cana-5091	28	12	bank	bank	NOUN
cana-5091	28	13	's	's	PART
cana-5091	28	14	location	location	NOUN
cana-5091	28	15	and	and	CCONJ
cana-5091	28	16	provides	provide	VERB
cana-5091	28	17	financial	financial	ADJ
cana-5091	28	18	technologies	technology	NOUN
cana-5091	28	19	(	(	PUNCT
cana-5091	28	20	banking	banking	NOUN
cana-5091	28	21	channels	channel	NOUN
cana-5091	28	22	)	)	PUNCT
cana-5091	28	23	at	at	ADP
cana-5091	28	24	their	their	PRON
cana-5091	28	25	leisure	leisure	NOUN
cana-5091	28	26	.	.	PUNCT
cana-5091	29	1	(	(	PUNCT
cana-5091	29	2	almaiah	almaiah	PROPN
cana-5091	29	3	,	,	PUNCT
cana-5091	29	4	m.a	m.a	PROPN
cana-5091	29	5	.	.	PROPN
cana-5091	29	6	et.al.2022	et.al.2022	PROPN
cana-5091	29	7	)	)	PUNCT
cana-5091	29	8	objective	objective	NOUN
cana-5091	29	9	to	to	PART
cana-5091	29	10	analyze	analyze	VERB
cana-5091	29	11	socio	socio	VERB
cana-5091	29	12	economic	economic	ADJ
cana-5091	29	13	profile	profile	NOUN
cana-5091	29	14	of	of	ADP
cana-5091	29	15	middle	middle	ADJ
cana-5091	29	16	age	age	NOUN
cana-5091	29	17	and	and	CCONJ
cana-5091	29	18	young	young	ADJ
cana-5091	29	19	users	user	NOUN
cana-5091	29	20	.	.	PUNCT
cana-5091	30	1	literature	literature	PROPN
cana-5091	30	2	review	review	VERB
cana-5091	30	3	suh	suh	PROPN
cana-5091	30	4	and	and	CCONJ
cana-5091	30	5	han	han	PROPN
cana-5091	30	6	.	.	PUNCT
cana-5091	31	1	(	(	PUNCT
cana-5091	31	2	2002	2002	NUM
cana-5091	31	3	)	)	PUNCT
cana-5091	31	4	revealed	reveal	VERB
cana-5091	31	5	that	that	SCONJ
cana-5091	31	6	trust	trust	NOUN
cana-5091	31	7	is	be	AUX
cana-5091	31	8	one	one	NUM
cana-5091	31	9	of	of	ADP
cana-5091	31	10	the	the	DET
cana-5091	31	11	fundamental	fundamental	ADJ
cana-5091	31	12	presumptions	presumption	NOUN
cana-5091	31	13	affecting	affect	VERB
cana-5091	31	14	a	a	DET
cana-5091	31	15	customer	customer	NOUN
cana-5091	31	16	's	's	PART
cana-5091	31	17	attitude	attitude	NOUN
cana-5091	31	18	towards	towards	ADP
cana-5091	31	19	using	use	VERB
cana-5091	31	20	internet	internet	NOUN
cana-5091	31	21	banking	banking	NOUN
cana-5091	31	22	.	.	PUNCT
cana-5091	32	1	the	the	DET
cana-5091	32	2	tam	tam	PROPN
cana-5091	32	3	proposed	propose	VERB
cana-5091	32	4	that	that	SCONJ
cana-5091	32	5	attitude	attitude	NOUN
cana-5091	32	6	was	be	AUX
cana-5091	32	7	significantly	significantly	ADV
cana-5091	32	8	influenced	influence	VERB
cana-5091	32	9	by	by	ADP
cana-5091	32	10	customer	customer	NOUN
cana-5091	32	11	views	view	NOUN
cana-5091	32	12	of	of	ADP
cana-5091	32	13	usefulness	usefulness	NOUN
cana-5091	32	14	and	and	CCONJ
cana-5091	32	15	usability	usability	NOUN
cana-5091	32	16	.	.	PUNCT
cana-5091	33	1	the	the	DET
cana-5091	33	2	behavioural	behavioural	ADJ
cana-5091	33	3	desire	desire	NOUN
cana-5091	33	4	to	to	PART
cana-5091	33	5	use	use	VERB
cana-5091	33	6	internet	internet	NOUN
cana-5091	33	7	banking	banking	NOUN
cana-5091	33	8	was	be	AUX
cana-5091	33	9	highly	highly	ADV
cana-5091	33	10	connected	connect	VERB
cana-5091	33	11	with	with	ADP
cana-5091	33	12	attitude	attitude	NOUN
cana-5091	33	13	,	,	PUNCT
cana-5091	33	14	perceived	perceive	VERB
cana-5091	33	15	utility	utility	NOUN
cana-5091	33	16	,	,	PUNCT
cana-5091	33	17	and	and	CCONJ
cana-5091	33	18	trust	trust	NOUN
cana-5091	33	19	.	.	PUNCT
cana-5091	34	1	customers	customer	NOUN
cana-5091	34	2	rely	rely	VERB
cana-5091	34	3	on	on	ADP
cana-5091	34	4	trust	trust	NOUN
cana-5091	34	5	in	in	ADP
cana-5091	34	6	online	online	ADJ
cana-5091	34	7	environments	environment	NOUN
cana-5091	34	8	that	that	PRON
cana-5091	34	9	manage	manage	VERB
cana-5091	34	10	sensitive	sensitive	ADJ
cana-5091	34	11	data	datum	NOUN
cana-5091	34	12	,	,	PUNCT
cana-5091	34	13	according	accord	VERB
cana-5091	34	14	to	to	ADP
cana-5091	34	15	these	these	DET
cana-5091	34	16	results	result	NOUN
cana-5091	34	17	.	.	PUNCT
cana-5091	35	1	pfeil	pfeil	NOUN
cana-5091	35	2	,	,	PUNCT
cana-5091	35	3	at	at	ADP
cana-5091	35	4	al	al	PROPN
cana-5091	35	5	.	.	PUNCT
cana-5091	35	6	(	(	PUNCT
cana-5091	35	7	2009	2009	NUM
cana-5091	35	8	)	)	PUNCT
cana-5091	35	9	provided	provide	VERB
cana-5091	35	10	fascinating	fascinating	ADJ
cana-5091	35	11	insights	insight	NOUN
cana-5091	35	12	into	into	ADP
cana-5091	35	13	the	the	DET
cana-5091	35	14	characteristics	characteristic	NOUN
cana-5091	35	15	and	and	CCONJ
cana-5091	35	16	age	age	NOUN
cana-5091	35	17	-	-	PUNCT
cana-5091	35	18	related	relate	VERB
cana-5091	35	19	differences	difference	NOUN
cana-5091	35	20	of	of	ADP
cana-5091	35	21	myspace	myspace	NOUN
cana-5091	35	22	users	user	NOUN
cana-5091	35	23	,	,	PUNCT
cana-5091	35	24	as	as	ADV
cana-5091	35	25	well	well	ADV
cana-5091	35	26	as	as	ADP
cana-5091	35	27	the	the	DET
cana-5091	35	28	different	different	ADJ
cana-5091	35	29	ways	way	NOUN
cana-5091	35	30	in	in	ADP
cana-5091	35	31	which	which	PRON
cana-5091	35	32	these	these	DET
cana-5091	35	33	two	two	NUM
cana-5091	35	34	user	user	NOUN
cana-5091	35	35	groups	group	NOUN
cana-5091	35	36	build	build	VERB
cana-5091	35	37	and	and	CCONJ
cana-5091	35	38	maintain	maintain	VERB
cana-5091	35	39	social	social	ADJ
cana-5091	35	40	capital	capital	NOUN
cana-5091	35	41	in	in	ADP
cana-5091	35	42	this	this	DET
cana-5091	35	43	setting	setting	NOUN
cana-5091	35	44	.	.	PUNCT
cana-5091	36	1	comparing	compare	VERB
cana-5091	36	2	samples	sample	NOUN
cana-5091	36	3	of	of	ADP
cana-5091	36	4	older	old	ADJ
cana-5091	36	5	and	and	CCONJ
cana-5091	36	6	teenage	teenage	ADJ
cana-5091	36	7	users	user	NOUN
cana-5091	36	8	,	,	PUNCT
cana-5091	36	9	we	we	PRON
cana-5091	36	10	found	find	VERB
cana-5091	36	11	some	some	DET
cana-5091	36	12	significant	significant	ADJ
cana-5091	36	13	findings	finding	NOUN
cana-5091	36	14	as	as	ADV
cana-5091	36	15	well	well	ADV
cana-5091	36	16	as	as	ADP
cana-5091	36	17	differences	difference	NOUN
cana-5091	36	18	between	between	ADP
cana-5091	36	19	the	the	DET
cana-5091	36	20	two	two	NUM
cana-5091	36	21	groups	group	NOUN
cana-5091	36	22	.	.	PUNCT
cana-5091	37	1	because	because	SCONJ
cana-5091	37	2	this	this	DET
cana-5091	37	3	process	process	NOUN
cana-5091	37	4	was	be	AUX
cana-5091	37	5	automated	automate	VERB
cana-5091	37	6	,	,	PUNCT
cana-5091	37	7	we	we	PRON
cana-5091	37	8	were	be	AUX
cana-5091	37	9	able	able	ADJ
cana-5091	37	10	to	to	PART
cana-5091	37	11	collect	collect	VERB
cana-5091	37	12	data	datum	NOUN
cana-5091	37	13	from	from	ADP
cana-5091	37	14	a	a	DET
cana-5091	37	15	sizable	sizable	ADJ
cana-5091	37	16	sample	sample	NOUN
cana-5091	37	17	of	of	ADP
cana-5091	37	18	user	user	NOUN
cana-5091	37	19	profiles	profile	NOUN
cana-5091	37	20	.	.	PUNCT
cana-5091	38	1	kaur	kaur	PROPN
cana-5091	38	2	,	,	PUNCT
cana-5091	38	3	navpreet	navpreet	PROPN
cana-5091	38	4	et.al	et.al	PROPN
cana-5091	38	5	.	.	PUNCT
cana-5091	39	1	(	(	PUNCT
cana-5091	39	2	april	april	PROPN
cana-5091	39	3	2015	2015	NUM
cana-5091	39	4	)	)	PUNCT
cana-5091	39	5	examined	examine	VERB
cana-5091	39	6	that	that	SCONJ
cana-5091	39	7	online	online	ADJ
cana-5091	39	8	banking	banking	NOUN
cana-5091	39	9	solutions	solution	NOUN
cana-5091	39	10	allow	allow	VERB
cana-5091	39	11	clients	client	NOUN
cana-5091	39	12	to	to	PART
cana-5091	39	13	reach	reach	VERB
cana-5091	39	14	a	a	DET
cana-5091	39	15	larger	large	ADJ
cana-5091	39	16	audience	audience	NOUN
cana-5091	39	17	.	.	PUNCT
cana-5091	40	1	feedback	feedback	NOUN
cana-5091	40	2	is	be	AUX
cana-5091	40	3	readily	readily	ADV
cana-5091	40	4	available	available	ADJ
cana-5091	40	5	on	on	ADP
cana-5091	40	6	the	the	DET
cana-5091	40	7	internet	internet	NOUN
cana-5091	40	8	due	due	ADP
cana-5091	40	9	of	of	ADP
cana-5091	40	10	its	its	PRON
cana-5091	40	11	virtual	virtual	ADJ
cana-5091	40	12	nature	nature	NOUN
cana-5091	40	13	.	.	PUNCT
cana-5091	41	1	it	it	PRON
cana-5091	41	2	is	be	AUX
cana-5091	41	3	possible	possible	ADJ
cana-5091	41	4	to	to	PART
cana-5091	41	5	win	win	VERB
cana-5091	41	6	over	over	ADP
cana-5091	41	7	customers	customer	NOUN
cana-5091	41	8	'	'	PART
cana-5091	41	9	loyalty	loyalty	NOUN
cana-5091	41	10	.	.	PUNCT
cana-5091	42	1	the	the	DET
cana-5091	42	2	bank	bank	NOUN
cana-5091	42	3	offers	offer	VERB
cana-5091	42	4	its	its	PRON
cana-5091	42	5	clients	client	NOUN
cana-5091	42	6	both	both	CCONJ
cana-5091	42	7	individualised	individualised	ADJ
cana-5091	42	8	attention	attention	NOUN
cana-5091	42	9	and	and	CCONJ
cana-5091	42	10	first	first	ADJ
cana-5091	42	11	-	-	PUNCT
cana-5091	42	12	rate	rate	NOUN
cana-5091	42	13	service	service	NOUN
cana-5091	42	14	.	.	PUNCT
cana-5091	43	1	excellent	excellent	ADJ
cana-5091	43	2	customer	customer	NOUN
cana-5091	43	3	service	service	NOUN
cana-5091	43	4	,	,	PUNCT
cana-5091	43	5	a	a	DET
cana-5091	43	6	larger	large	ADJ
cana-5091	43	7	audience	audience	NOUN
cana-5091	43	8	,	,	PUNCT
cana-5091	43	9	time	time	NOUN
cana-5091	43	10	-	-	PUNCT
cana-5091	43	11	saving	save	VERB
cana-5091	43	12	client	client	NOUN
cana-5091	43	13	loyalty	loyalty	NOUN
cana-5091	43	14	,	,	PUNCT
cana-5091	43	15	easy	easy	ADJ
cana-5091	43	16	access	access	NOUN
cana-5091	43	17	to	to	ADP
cana-5091	43	18	information	information	NOUN
cana-5091	43	19	,	,	PUNCT
cana-5091	43	20	24/7	24/7	NOUN
cana-5091	43	21	availability	availability	NOUN
cana-5091	43	22	,	,	PUNCT
cana-5091	43	23	less	less	ADJ
cana-5091	43	24	paperwork	paperwork	NOUN
cana-5091	43	25	,	,	PUNCT
cana-5091	43	26	the	the	DET
cana-5091	43	27	elimination	elimination	NOUN
cana-5091	43	28	of	of	ADP
cana-5091	43	29	cash	cash	NOUN
cana-5091	43	30	transactions	transaction	NOUN
cana-5091	43	31	,	,	PUNCT
cana-5091	43	32	straightforward	straightforward	ADJ
cana-5091	43	33	online	online	ADJ
cana-5091	43	34	applications	application	NOUN
cana-5091	43	35	,	,	PUNCT
cana-5091	43	36	and	and	CCONJ
cana-5091	43	37	more	more	ADJ
cana-5091	43	38	are	be	AUX
cana-5091	43	39	just	just	ADV
cana-5091	43	40	a	a	DET
cana-5091	43	41	few	few	ADJ
cana-5091	43	42	of	of	ADP
cana-5091	43	43	the	the	DET
cana-5091	43	44	many	many	ADJ
cana-5091	43	45	advantages	advantage	NOUN
cana-5091	43	46	of	of	ADP
cana-5091	43	47	using	use	VERB
cana-5091	43	48	an	an	DET
cana-5091	43	49	online	online	ADJ
cana-5091	43	50	banking	banking	NOUN
cana-5091	43	51	system	system	NOUN
cana-5091	43	52	that	that	PRON
cana-5091	43	53	we	we	PRON
cana-5091	43	54	learnt	learn	VERB
cana-5091	43	55	about	about	ADP
cana-5091	43	56	.	.	PUNCT
cana-5091	44	1	balakrishnan	balakrishnan	PROPN
cana-5091	44	2	and	and	CCONJ
cana-5091	44	3	bharthvajan	bharthvajan	PROPN
cana-5091	44	4	r.(2020	r.(2020	PROPN
cana-5091	44	5	)	)	PUNCT
cana-5091	44	6	concluded	conclude	VERB
cana-5091	44	7	that	that	SCONJ
cana-5091	44	8	overall	overall	ADJ
cana-5091	44	9	,	,	PUNCT
cana-5091	44	10	e	e	NOUN
cana-5091	44	11	-	-	NOUN
cana-5091	44	12	banking	banking	NOUN
cana-5091	44	13	has	have	AUX
cana-5091	44	14	made	make	VERB
cana-5091	44	15	our	our	PRON
cana-5091	44	16	lives	life	NOUN
cana-5091	44	17	simpler	simple	ADJ
cana-5091	44	18	and	and	CCONJ
cana-5091	44	19	more	more	ADV
cana-5091	44	20	comfortable	comfortable	ADJ
cana-5091	44	21	while	while	SCONJ
cana-5091	44	22	enabling	enable	VERB
cana-5091	44	23	us	we	PRON
cana-5091	44	24	to	to	PART
cana-5091	44	25	affordably	affordably	ADV
cana-5091	44	26	access	access	VERB
cana-5091	44	27	premium	premium	NOUN
cana-5091	44	28	services	service	NOUN
cana-5091	44	29	.	.	PUNCT
cana-5091	45	1	we	we	PRON
cana-5091	45	2	found	find	VERB
cana-5091	45	3	it	it	PRON
cana-5091	45	4	to	to	PART
cana-5091	45	5	be	be	AUX
cana-5091	45	6	quite	quite	ADV
cana-5091	45	7	comfortable	comfortable	ADJ
cana-5091	45	8	to	to	PART
cana-5091	45	9	use	use	VERB
cana-5091	45	10	on	on	ADP
cana-5091	45	11	a	a	DET
cana-5091	45	12	daily	daily	ADJ
cana-5091	45	13	basis	basis	NOUN
cana-5091	45	14	.	.	PUNCT
cana-5091	46	1	it	it	PRON
cana-5091	46	2	also	also	ADV
cana-5091	46	3	yielded	yield	VERB
cana-5091	46	4	time	time	NOUN
cana-5091	46	5	-	-	PUNCT
cana-5091	46	6	saving	save	VERB
cana-5091	46	7	and	and	CCONJ
cana-5091	46	8	efficient	efficient	ADJ
cana-5091	46	9	methods	method	NOUN
cana-5091	46	10	.	.	PUNCT
cana-5091	47	1	the	the	DET
cana-5091	47	2	internet	internet	NOUN
cana-5091	47	3	was	be	AUX
cana-5091	47	4	also	also	ADV
cana-5091	47	5	the	the	DET
cana-5091	47	6	least	least	ADV
cana-5091	47	7	expensive	expensive	ADJ
cana-5091	47	8	way	way	NOUN
cana-5091	47	9	to	to	PART
cana-5091	47	10	supply	supply	VERB
cana-5091	47	11	banking	banking	NOUN
cana-5091	47	12	products	product	NOUN
cana-5091	47	13	because	because	SCONJ
cana-5091	47	14	it	it	PRON
cana-5091	47	15	allowed	allow	VERB
cana-5091	47	16	the	the	DET
cana-5091	47	17	organisation	organisation	NOUN
cana-5091	47	18	to	to	PART
cana-5091	47	19	reduce	reduce	VERB
cana-5091	47	20	branch	branch	NOUN
cana-5091	47	21	networks	network	NOUN
cana-5091	47	22	and	and	CCONJ
cana-5091	47	23	service	service	NOUN
cana-5091	47	24	personnel	personnel	NOUN
cana-5091	47	25	.	.	PUNCT
cana-5091	48	1	the	the	DET
cana-5091	48	2	internet	internet	NOUN
cana-5091	48	3	has	have	AUX
cana-5091	48	4	broadened	broaden	VERB
cana-5091	48	5	banks	bank	NOUN
cana-5091	48	6	'	'	PART
cana-5091	48	7	horizons	horizon	NOUN
cana-5091	48	8	and	and	CCONJ
cana-5091	48	9	enabled	enable	VERB
cana-5091	48	10	them	they	PRON
cana-5091	48	11	to	to	PART
cana-5091	48	12	transcend	transcend	VERB
cana-5091	48	13	national	national	ADJ
cana-5091	48	14	and	and	CCONJ
cana-5091	48	15	global	global	ADJ
cana-5091	48	16	borders	border	NOUN
cana-5091	48	17	.	.	PUNCT
cana-5091	49	1	sampling	sample	VERB
cana-5091	49	2	and	and	CCONJ
cana-5091	49	3	methodology	methodology	NOUN
cana-5091	49	4	the	the	DET
cana-5091	49	5	sample	sample	NOUN
cana-5091	49	6	size	size	NOUN
cana-5091	49	7	is	be	AUX
cana-5091	49	8	500	500	NUM
cana-5091	49	9	.	.	PUNCT
cana-5091	50	1	self	self	NOUN
cana-5091	50	2	made	make	VERB
cana-5091	50	3	questionnaire	questionnaire	NOUN
cana-5091	50	4	is	be	AUX
cana-5091	50	5	used	use	VERB
cana-5091	50	6	in	in	ADP
cana-5091	50	7	this	this	DET
cana-5091	50	8	research	research	NOUN
cana-5091	50	9	to	to	PART
cana-5091	50	10	collect	collect	VERB
cana-5091	50	11	first	first	ADJ
cana-5091	50	12	hand	hand	NOUN
cana-5091	50	13	information	information	NOUN
cana-5091	50	14	from	from	ADP
cana-5091	50	15	the	the	DET
cana-5091	50	16	internet	internet	NOUN
cana-5091	50	17	banking	banking	NOUN
cana-5091	50	18	services	service	NOUN
cana-5091	50	19	users	user	NOUN
cana-5091	50	20	.	.	PUNCT
cana-5091	51	1	purposive	purposive	ADJ
cana-5091	51	2	and	and	CCONJ
cana-5091	51	3	convenient	convenient	ADJ
cana-5091	51	4	sampling	sampling	NOUN
cana-5091	51	5	strategies	strategy	NOUN
cana-5091	51	6	communications	communication	NOUN
cana-5091	51	7	on	on	ADP
cana-5091	51	8	applied	apply	VERB
cana-5091	51	9	nonlinear	nonlinear	ADJ
cana-5091	51	10	analysis	analysis	NOUN
cana-5091	51	11	issn	issn	NOUN
cana-5091	51	12	:	:	PUNCT
cana-5091	51	13	1074	1074	NUM
cana-5091	51	14	-	-	PUNCT
cana-5091	51	15	133x	133x	NUM
cana-5091	51	16	vol	vol	NOUN
cana-5091	51	17	32	32	NUM
cana-5091	51	18	no	no	NOUN
cana-5091	51	19	.	.	PUNCT
cana-5091	52	1	icmasd	icmasd	NOUN
cana-5091	52	2	(	(	PUNCT
cana-5091	52	3	2025	2025	NUM
cana-5091	52	4	)	)	PUNCT
cana-5091	52	5	621	621	NUM
cana-5091	52	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	52	7	om	om	PROPN
cana-5091	52	8	were	be	AUX
cana-5091	52	9	used	use	VERB
cana-5091	52	10	to	to	PART
cana-5091	52	11	choose	choose	VERB
cana-5091	52	12	the	the	DET
cana-5091	52	13	sample	sample	NOUN
cana-5091	52	14	.	.	PUNCT
cana-5091	53	1	four	four	NUM
cana-5091	53	2	locations	location	NOUN
cana-5091	53	3	were	be	AUX
cana-5091	53	4	chosen	choose	VERB
cana-5091	53	5	to	to	PART
cana-5091	53	6	include	include	VERB
cana-5091	53	7	both	both	CCONJ
cana-5091	53	8	urban	urban	ADJ
cana-5091	53	9	and	and	CCONJ
cana-5091	53	10	rural	rural	ADJ
cana-5091	53	11	settings	setting	NOUN
cana-5091	53	12	.	.	PUNCT
cana-5091	54	1	the	the	DET
cana-5091	54	2	data	datum	NOUN
cana-5091	54	3	has	have	AUX
cana-5091	54	4	been	be	AUX
cana-5091	54	5	gathered	gather	VERB
cana-5091	54	6	through	through	ADP
cana-5091	54	7	interviews	interview	NOUN
cana-5091	54	8	and	and	CCONJ
cana-5091	54	9	questionnaires	questionnaire	NOUN
cana-5091	54	10	.	.	PUNCT
cana-5091	55	1	analysis	analysis	NOUN
cana-5091	55	2	and	and	CCONJ
cana-5091	55	3	interpretation	interpretation	NOUN
cana-5091	55	4	the	the	DET
cana-5091	55	5	statistical	statistical	ADJ
cana-5091	55	6	techniques	technique	NOUN
cana-5091	55	7	like	like	AUX
cana-5091	55	8	mean	mean	VERB
cana-5091	55	9	,	,	PUNCT
cana-5091	55	10	correlation	correlation	NOUN
cana-5091	55	11	and	and	CCONJ
cana-5091	55	12	chisquare	chisquare	NOUN
cana-5091	55	13	etc	etc	X
cana-5091	55	14	.	.	X
cana-5091	55	15	are	be	AUX
cana-5091	55	16	used	use	VERB
cana-5091	55	17	for	for	ADP
cana-5091	55	18	analysis	analysis	NOUN
cana-5091	55	19	.	.	PUNCT
cana-5091	56	1	table1	table1	PROPN
cana-5091	56	2	:	:	PUNCT
cana-5091	57	1	demographic	demographic	ADJ
cana-5091	57	2	characteristics	characteristic	NOUN
cana-5091	57	3	of	of	ADP
cana-5091	57	4	the	the	DET
cana-5091	57	5	youngsters	youngster	NOUN
cana-5091	57	6	user	user	NOUN
cana-5091	57	7	and	and	CCONJ
cana-5091	57	8	middleage	middleage	PROPN
cana-5091	57	9	user	user	NOUN
cana-5091	57	10	youngsters	youngster	NOUN
cana-5091	57	11	user	user	NOUN
cana-5091	57	12	(	(	PUNCT
cana-5091	57	13	n=250	n=250	PROPN
cana-5091	57	14	)	)	PUNCT
cana-5091	57	15	middle	middle	ADJ
cana-5091	57	16	-	-	PUNCT
cana-5091	57	17	aged	aged	ADJ
cana-5091	57	18	user	user	NOUN
cana-5091	57	19	(	(	PUNCT
cana-5091	57	20	n=250	n=250	PROPN
cana-5091	57	21	)	)	PUNCT
cana-5091	57	22	total	total	NOUN
cana-5091	57	23	(	(	PUNCT
cana-5091	57	24	n=500	n=500	NOUN
cana-5091	57	25	)	)	PUNCT
cana-5091	57	26	freq	freq	NOUN
cana-5091	57	27	.	.	PUNCT
cana-5091	58	1	percent	percent	NOUN
cana-5091	58	2	freq	freq	NOUN
cana-5091	58	3	.	.	PUNCT
cana-5091	59	1	percent	percent	NOUN
cana-5091	59	2	freq	freq	NOUN
cana-5091	59	3	.	.	PUNCT
cana-5091	60	1	percent	percent	NOUN
cana-5091	60	2	gender	gender	NOUN
cana-5091	60	3	male	male	NOUN
cana-5091	60	4	122	122	NUM
cana-5091	60	5	48.8	48.8	NUM
cana-5091	60	6	124	124	NUM
cana-5091	60	7	49.6	49.6	NUM
cana-5091	60	8	246	246	NUM
cana-5091	60	9	49.2	49.2	NUM
cana-5091	60	10	female	female	NOUN
cana-5091	60	11	128	128	NUM
cana-5091	60	12	51.2	51.2	NUM
cana-5091	60	13	126	126	NUM
cana-5091	60	14	50.4	50.4	NUM
cana-5091	60	15	254	254	NUM
cana-5091	60	16	50.8	50.8	NUM
cana-5091	60	17	education	education	NOUN
cana-5091	60	18	levels	level	NOUN
cana-5091	60	19	matric	matric	VERB
cana-5091	60	20	27	27	NUM
cana-5091	60	21	10.8	10.8	NUM
cana-5091	60	22	40	40	NUM
cana-5091	60	23	16.0	16.0	NUM
cana-5091	60	24	67	67	NUM
cana-5091	60	25	26.8	26.8	NUM
cana-5091	60	26	higher	high	ADJ
cana-5091	60	27	secondary	secondary	ADJ
cana-5091	60	28	68	68	NUM
cana-5091	60	29	27.2	27.2	NUM
cana-5091	60	30	81	81	NUM
cana-5091	60	31	32.4	32.4	NUM
cana-5091	60	32	149	149	NUM
cana-5091	60	33	59.6	59.6	NUM
cana-5091	60	34	graduate	graduate	NOUN
cana-5091	60	35	108	108	NUM
cana-5091	60	36	43.2	43.2	NUM
cana-5091	60	37	66	66	NUM
cana-5091	60	38	26.4	26.4	NUM
cana-5091	60	39	174	174	NUM
cana-5091	60	40	69.6	69.6	NUM
cana-5091	60	41	postgraduate	postgraduate	NOUN
cana-5091	60	42	47	47	NUM
cana-5091	60	43	18.8	18.8	NUM
cana-5091	60	44	63	63	NUM
cana-5091	60	45	25.2	25.2	NUM
cana-5091	60	46	110	110	NUM
cana-5091	60	47	44.0	44.0	NUM
cana-5091	60	48	residence	residence	NOUN
cana-5091	60	49	amritsar	amritsar	PROPN
cana-5091	60	50	63	63	NUM
cana-5091	60	51	25.2	25.2	NUM
cana-5091	60	52	63	63	NUM
cana-5091	60	53	25.2	25.2	NUM
cana-5091	60	54	126	126	NUM
cana-5091	60	55	25.2	25.2	NUM
cana-5091	60	56	ludhiana	ludhiana	NOUN
cana-5091	60	57	62	62	NUM
cana-5091	60	58	24.8	24.8	NUM
cana-5091	60	59	62	62	NUM
cana-5091	60	60	24.8	24.8	NUM
cana-5091	60	61	124	124	NUM
cana-5091	60	62	24.8	24.8	NUM
cana-5091	60	63	firozpur	firozpur	NOUN
cana-5091	60	64	63	63	NUM
cana-5091	60	65	25.2	25.2	NUM
cana-5091	60	66	62	62	NUM
cana-5091	60	67	24.8	24.8	NUM
cana-5091	60	68	125	125	NUM
cana-5091	60	69	25.0	25.0	NUM
cana-5091	60	70	mansa	mansa	PROPN
cana-5091	60	71	62	62	NUM
cana-5091	60	72	24.8	24.8	NUM
cana-5091	60	73	63	63	NUM
cana-5091	60	74	25.2	25.2	NUM
cana-5091	60	75	125	125	NUM
cana-5091	60	76	25.0	25.0	NUM
cana-5091	60	77	occupatio	occupatio	NOUN
cana-5091	61	1	n	n	CCONJ
cana-5091	61	2	levels	level	NOUN
cana-5091	61	3	govt	govt	NOUN
cana-5091	61	4	.	.	PUNCT
cana-5091	62	1	employee	employee	NOUN
cana-5091	62	2	45	45	NUM
cana-5091	62	3	18.0	18.0	NUM
cana-5091	62	4	38	38	NUM
cana-5091	62	5	15.2	15.2	NUM
cana-5091	62	6	83	83	NUM
cana-5091	62	7	16.6	16.6	NUM
cana-5091	62	8	private	private	ADJ
cana-5091	62	9	employee	employee	NOUN
cana-5091	62	10	34	34	NUM
cana-5091	62	11	13.6	13.6	NUM
cana-5091	62	12	53	53	NUM
cana-5091	62	13	21.2	21.2	NUM
cana-5091	62	14	87	87	NUM
cana-5091	62	15	17.4	17.4	NUM
cana-5091	62	16	business	business	NOUN
cana-5091	62	17	20	20	NUM
cana-5091	62	18	8.0	8.0	NUM
cana-5091	62	19	83	83	NUM
cana-5091	62	20	33.2	33.2	NUM
cana-5091	62	21	103	103	NUM
cana-5091	62	22	20.6	20.6	NUM
cana-5091	62	23	student	student	NOUN
cana-5091	62	24	126	126	NUM
cana-5091	62	25	50.4	50.4	NUM
cana-5091	62	26	24	24	NUM
cana-5091	62	27	9.6	9.6	NUM
cana-5091	62	28	150	150	NUM
cana-5091	62	29	30.0	30.0	NUM
cana-5091	62	30	housewife	housewife	NOUN
cana-5091	62	31	20	20	NUM
cana-5091	62	32	8.0	8.0	NUM
cana-5091	62	33	38	38	NUM
cana-5091	62	34	15.2	15.2	NUM
cana-5091	62	35	58	58	NUM
cana-5091	62	36	11.6	11.6	NUM
cana-5091	62	37	any	any	DET
cana-5091	62	38	other	other	ADJ
cana-5091	62	39	5	5	NUM
cana-5091	62	40	2.0	2.0	NUM
cana-5091	62	41	14	14	NUM
cana-5091	62	42	5.6	5.6	NUM
cana-5091	62	43	19	19	NUM
cana-5091	62	44	3.8	3.8	NUM
cana-5091	62	45	income	income	NOUN
cana-5091	62	46	levels	level	NOUN
cana-5091	62	47	less	less	ADJ
cana-5091	62	48	than	than	ADP
cana-5091	62	49	25,000	25,000	NUM
cana-5091	62	50	51	51	NUM
cana-5091	62	51	20.4	20.4	NUM
cana-5091	62	52	55	55	NUM
cana-5091	62	53	22.0	22.0	NUM
cana-5091	62	54	106	106	NUM
cana-5091	62	55	21.2	21.2	NUM
cana-5091	62	56	25,000	25,000	NUM
cana-5091	62	57	40,000	40,000	NUM
cana-5091	62	58	58	58	NUM
cana-5091	62	59	23.2	23.2	NUM
cana-5091	62	60	73	73	NUM
cana-5091	62	61	29.2	29.2	NUM
cana-5091	62	62	131	131	NUM
cana-5091	62	63	26.2	26.2	NUM
cana-5091	62	64	40,000	40,000	NUM
cana-5091	62	65	60,000	60,000	NUM
cana-5091	62	66	34	34	NUM
cana-5091	62	67	13.6	13.6	NUM
cana-5091	62	68	48	48	NUM
cana-5091	62	69	19.2	19.2	NUM
cana-5091	62	70	82	82	NUM
cana-5091	62	71	16.4	16.4	NUM
cana-5091	62	72	above	above	ADP
cana-5091	62	73	60,000	60,000	NUM
cana-5091	62	74	15	15	NUM
cana-5091	62	75	6.0	6.0	NUM
cana-5091	62	76	45	45	NUM
cana-5091	62	77	18.0	18.0	NUM
cana-5091	62	78	60	60	NUM
cana-5091	62	79	12.0	12.0	NUM
cana-5091	62	80	none	none	NOUN
cana-5091	62	81	92	92	NUM
cana-5091	62	82	36.8	36.8	NUM
cana-5091	62	83	29	29	NUM
cana-5091	62	84	11.6	11.6	NUM
cana-5091	62	85	121	121	NUM
cana-5091	62	86	24.2	24.2	NUM
cana-5091	62	87	table	table	NOUN
cana-5091	62	88	1	1	NUM
cana-5091	62	89	represents	represent	VERB
cana-5091	62	90	the	the	DET
cana-5091	62	91	characteristics	characteristic	NOUN
cana-5091	62	92	of	of	ADP
cana-5091	62	93	youngsters	youngster	NOUN
cana-5091	62	94	user	user	NOUN
cana-5091	62	95	and	and	CCONJ
cana-5091	62	96	middleaged	middleaged	ADJ
cana-5091	62	97	user	user	NOUN
cana-5091	62	98	who	who	PRON
cana-5091	62	99	used	use	VERB
cana-5091	62	100	internet	internet	NOUN
cana-5091	62	101	banking	banking	NOUN
cana-5091	62	102	.	.	PUNCT
cana-5091	63	1	the	the	DET
cana-5091	63	2	distribution	distribution	NOUN
cana-5091	63	3	of	of	ADP
cana-5091	63	4	gender	gender	NOUN
cana-5091	63	5	:	:	PUNCT
cana-5091	63	6	the	the	DET
cana-5091	63	7	result	result	NOUN
cana-5091	63	8	shows	show	VERB
cana-5091	63	9	that	that	SCONJ
cana-5091	63	10	majority	majority	NOUN
cana-5091	63	11	of	of	ADP
cana-5091	63	12	females	female	NOUN
cana-5091	63	13	(	(	PUNCT
cana-5091	63	14	50.8	50.8	NUM
cana-5091	63	15	%	%	NOUN
cana-5091	63	16	)	)	PUNCT
cana-5091	63	17	compared	compare	VERB
cana-5091	63	18	to	to	ADP
cana-5091	63	19	males	male	NOUN
cana-5091	63	20	(	(	PUNCT
cana-5091	63	21	49.2	49.2	NUM
cana-5091	63	22	%	%	NOUN
cana-5091	63	23	)	)	PUNCT
cana-5091	63	24	among	among	ADP
cana-5091	63	25	all	all	DET
cana-5091	63	26	youngsters	youngster	NOUN
cana-5091	63	27	user	user	NOUN
cana-5091	63	28	and	and	CCONJ
cana-5091	63	29	middleaged	middleaged	ADJ
cana-5091	63	30	users	user	NOUN
cana-5091	63	31	who	who	PRON
cana-5091	63	32	used	use	VERB
cana-5091	63	33	internet	internet	NOUN
cana-5091	63	34	baking	baking	NOUN
cana-5091	63	35	.	.	PUNCT
cana-5091	64	1	further	far	ADV
cana-5091	64	2	,	,	PUNCT
cana-5091	64	3	it	it	PRON
cana-5091	64	4	has	have	AUX
cana-5091	64	5	been	be	AUX
cana-5091	64	6	seen	see	VERB
cana-5091	64	7	that	that	SCONJ
cana-5091	64	8	the	the	PRON
cana-5091	64	9	in	in	ADP
cana-5091	64	10	younger	young	ADJ
cana-5091	64	11	users	user	NOUN
cana-5091	64	12	,	,	PUNCT
cana-5091	64	13	there	there	PRON
cana-5091	64	14	is	be	VERB
cana-5091	64	15	a	a	DET
cana-5091	64	16	slightly	slightly	ADV
cana-5091	64	17	higher	high	ADJ
cana-5091	64	18	percentage	percentage	NOUN
cana-5091	64	19	of	of	ADP
cana-5091	64	20	females	female	NOUN
cana-5091	64	21	(	(	PUNCT
cana-5091	64	22	51.2	51.2	NUM
cana-5091	64	23	%	%	NOUN
cana-5091	64	24	)	)	PUNCT
cana-5091	64	25	compared	compare	VERB
cana-5091	64	26	to	to	ADP
cana-5091	64	27	males	male	NOUN
cana-5091	64	28	(	(	PUNCT
cana-5091	64	29	48.8	48.8	NUM
cana-5091	64	30	%	%	NOUN
cana-5091	64	31	)	)	PUNCT
cana-5091	64	32	.	.	PUNCT
cana-5091	65	1	however	however	ADV
cana-5091	65	2	,	,	PUNCT
cana-5091	65	3	in	in	ADP
cana-5091	65	4	the	the	DET
cana-5091	65	5	middle	middle	NOUN
cana-5091	65	6	-	-	PUNCT
cana-5091	65	7	aged	aged	ADJ
cana-5091	65	8	user	user	NOUN
cana-5091	65	9	group	group	NOUN
cana-5091	65	10	,	,	PUNCT
cana-5091	65	11	females	female	NOUN
cana-5091	65	12	make	make	VERB
cana-5091	65	13	up	up	ADP
cana-5091	65	14	the	the	DET
cana-5091	65	15	majority	majority	NOUN
cana-5091	65	16	(	(	PUNCT
cana-5091	65	17	51.2	51.2	NUM
cana-5091	65	18	%	%	NOUN
cana-5091	65	19	)	)	PUNCT
cana-5091	65	20	compared	compare	VERB
cana-5091	65	21	to	to	ADP
cana-5091	65	22	males	male	NOUN
cana-5091	65	23	(	(	PUNCT
cana-5091	65	24	48.8	48.8	NUM
cana-5091	65	25	%	%	NOUN
cana-5091	65	26	)	)	PUNCT
cana-5091	65	27	.	.	PUNCT
cana-5091	66	1	the	the	DET
cana-5091	66	2	distribution	distribution	NOUN
cana-5091	66	3	of	of	ADP
cana-5091	66	4	male	male	NOUN
cana-5091	66	5	and	and	CCONJ
cana-5091	66	6	female	female	ADJ
cana-5091	66	7	between	between	ADP
cana-5091	66	8	youngsters	youngster	NOUN
cana-5091	66	9	user	user	NOUN
cana-5091	66	10	and	and	CCONJ
cana-5091	66	11	communications	communication	NOUN
cana-5091	66	12	on	on	ADP
cana-5091	66	13	applied	apply	VERB
cana-5091	66	14	nonlinear	nonlinear	ADJ
cana-5091	66	15	analysis	analysis	NOUN
cana-5091	66	16	issn	issn	NOUN
cana-5091	66	17	:	:	PUNCT
cana-5091	66	18	1074	1074	NUM
cana-5091	66	19	-	-	PUNCT
cana-5091	66	20	133x	133x	NUM
cana-5091	66	21	vol	vol	NOUN
cana-5091	66	22	32	32	NUM
cana-5091	66	23	no	no	NOUN
cana-5091	66	24	.	.	PUNCT
cana-5091	67	1	icmasd	icmasd	NOUN
cana-5091	67	2	(	(	PUNCT
cana-5091	67	3	2025	2025	NUM
cana-5091	67	4	)	)	PUNCT
cana-5091	67	5	622	622	NUM
cana-5091	67	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	67	7	om	om	PROPN
cana-5091	67	8	middleaged	middleaged	ADJ
cana-5091	67	9	user	user	NOUN
cana-5091	67	10	who	who	PRON
cana-5091	67	11	used	use	VERB
cana-5091	67	12	internet	internet	NOUN
cana-5091	67	13	banking	banking	NOUN
cana-5091	67	14	is	be	AUX
cana-5091	67	15	shown	show	VERB
cana-5091	67	16	in	in	ADP
cana-5091	67	17	figure	figure	NOUN
cana-5091	67	18	1	1	NUM
cana-5091	67	19	the	the	DET
cana-5091	67	20	distribution	distribution	NOUN
cana-5091	67	21	based	base	VERB
cana-5091	67	22	on	on	ADP
cana-5091	67	23	education	education	NOUN
cana-5091	67	24	level	level	NOUN
cana-5091	67	25	:	:	PUNCT
cana-5091	67	26	majorities	majority	NOUN
cana-5091	67	27	of	of	ADP
cana-5091	67	28	user	user	NOUN
cana-5091	67	29	were	be	AUX
cana-5091	67	30	graduate	graduate	ADJ
cana-5091	67	31	(	(	PUNCT
cana-5091	67	32	69.6	69.6	NUM
cana-5091	67	33	%	%	NOUN
cana-5091	67	34	)	)	PUNCT
cana-5091	67	35	followed	follow	VERB
cana-5091	67	36	by	by	ADP
cana-5091	67	37	higher	high	ADJ
cana-5091	67	38	secondary	secondary	ADJ
cana-5091	67	39	(	(	PUNCT
cana-5091	67	40	59.6	59.6	NUM
cana-5091	67	41	%	%	NOUN
cana-5091	67	42	)	)	PUNCT
cana-5091	67	43	,	,	PUNCT
cana-5091	67	44	postgraduate	postgraduate	NOUN
cana-5091	67	45	(	(	PUNCT
cana-5091	67	46	44.0	44.0	NUM
cana-5091	67	47	%	%	NOUN
cana-5091	67	48	)	)	PUNCT
cana-5091	67	49	and	and	CCONJ
cana-5091	67	50	few	few	ADJ
cana-5091	67	51	users	user	NOUN
cana-5091	67	52	were	be	AUX
cana-5091	67	53	matric	matric	NOUN
cana-5091	67	54	(	(	PUNCT
cana-5091	67	55	26.8	26.8	NUM
cana-5091	67	56	%	%	NOUN
cana-5091	67	57	)	)	PUNCT
cana-5091	67	58	respectively	respectively	ADV
cana-5091	67	59	.	.	PUNCT
cana-5091	68	1	in	in	ADP
cana-5091	68	2	youngsters	youngster	NOUN
cana-5091	68	3	user	user	NOUN
cana-5091	68	4	,	,	PUNCT
cana-5091	68	5	education	education	NOUN
cana-5091	68	6	levels	level	NOUN
cana-5091	68	7	were	be	AUX
cana-5091	68	8	as	as	ADP
cana-5091	68	9	graduate	graduate	NOUN
cana-5091	68	10	(	(	PUNCT
cana-5091	68	11	43.2	43.2	NUM
cana-5091	68	12	%	%	NOUN
cana-5091	68	13	)	)	PUNCT
cana-5091	68	14	followed	follow	VERB
cana-5091	68	15	by	by	ADP
cana-5091	68	16	higher	high	ADJ
cana-5091	68	17	secondary	secondary	ADJ
cana-5091	68	18	(	(	PUNCT
cana-5091	68	19	27.2	27.2	NUM
cana-5091	68	20	%	%	NOUN
cana-5091	68	21	)	)	PUNCT
cana-5091	68	22	,	,	PUNCT
cana-5091	68	23	postgraduate	postgraduate	NOUN
cana-5091	68	24	(	(	PUNCT
cana-5091	68	25	18.8	18.8	NUM
cana-5091	68	26	%	%	NOUN
cana-5091	68	27	)	)	PUNCT
cana-5091	68	28	and	and	CCONJ
cana-5091	68	29	few	few	ADJ
cana-5091	68	30	users	user	NOUN
cana-5091	68	31	were	be	AUX
cana-5091	68	32	matric	matric	NOUN
cana-5091	68	33	(	(	PUNCT
cana-5091	68	34	18.8	18.8	NUM
cana-5091	68	35	%	%	NOUN
cana-5091	68	36	)	)	PUNCT
cana-5091	68	37	respectively	respectively	ADV
cana-5091	68	38	.	.	PUNCT
cana-5091	69	1	in	in	ADP
cana-5091	69	2	middle	middle	ADJ
cana-5091	69	3	aged	aged	ADJ
cana-5091	69	4	user	user	NOUN
cana-5091	69	5	majorities	majority	NOUN
cana-5091	69	6	of	of	ADP
cana-5091	69	7	respondent	respondent	NOUN
cana-5091	69	8	were	be	AUX
cana-5091	69	9	higher	high	ADJ
cana-5091	69	10	secondary	secondary	ADJ
cana-5091	69	11	(	(	PUNCT
cana-5091	69	12	32.4	32.4	NUM
cana-5091	69	13	%	%	NOUN
cana-5091	69	14	)	)	PUNCT
cana-5091	69	15	followed	follow	VERB
cana-5091	69	16	by	by	ADP
cana-5091	69	17	graduate	graduate	NOUN
cana-5091	69	18	(	(	PUNCT
cana-5091	69	19	26.4	26.4	NUM
cana-5091	69	20	%	%	NOUN
cana-5091	69	21	)	)	PUNCT
cana-5091	69	22	,	,	PUNCT
cana-5091	69	23	postgraduate	postgraduate	NOUN
cana-5091	69	24	(	(	PUNCT
cana-5091	69	25	25.4	25.4	NUM
cana-5091	69	26	%	%	NOUN
cana-5091	69	27	)	)	PUNCT
cana-5091	69	28	and	and	CCONJ
cana-5091	69	29	few	few	ADJ
cana-5091	69	30	users	user	NOUN
cana-5091	69	31	were	be	AUX
cana-5091	69	32	matric(16.0	matric(16.0	NOUN
cana-5091	69	33	%	%	NOUN
cana-5091	69	34	)	)	PUNCT
cana-5091	69	35	respectively	respectively	ADV
cana-5091	69	36	.	.	PUNCT
cana-5091	70	1	the	the	DET
cana-5091	70	2	distribution	distribution	NOUN
cana-5091	70	3	of	of	ADP
cana-5091	70	4	levels	level	NOUN
cana-5091	70	5	of	of	ADP
cana-5091	70	6	education	education	NOUN
cana-5091	70	7	among	among	ADP
cana-5091	70	8	user	user	NOUN
cana-5091	70	9	is	be	AUX
cana-5091	70	10	shown	show	VERB
cana-5091	70	11	in	in	ADP
cana-5091	70	12	figure	figure	NOUN
cana-5091	70	13	2	2	NUM
cana-5091	70	14	.	.	PUNCT
cana-5091	70	15	figure	figure	NOUN
cana-5091	70	16	2	2	NUM
cana-5091	70	17	:	:	PUNCT
cana-5091	70	18	the	the	DET
cana-5091	70	19	distribution	distribution	NOUN
cana-5091	70	20	of	of	ADP
cana-5091	70	21	education	education	NOUN
cana-5091	70	22	level	level	NOUN
cana-5091	70	23	among	among	ADP
cana-5091	70	24	youngsters	youngster	NOUN
cana-5091	70	25	user	user	NOUN
cana-5091	70	26	and	and	CCONJ
cana-5091	70	27	middleage	middleage	PROPN
cana-5091	70	28	user	user	NOUN
cana-5091	70	29	the	the	DET
cana-5091	70	30	distribution	distribution	NOUN
cana-5091	70	31	based	base	VERB
cana-5091	70	32	on	on	ADP
cana-5091	70	33	residence	residence	NOUN
cana-5091	70	34	:	:	PUNCT
cana-5091	70	35	equal	equal	ADJ
cana-5091	70	36	sample	sample	NOUN
cana-5091	70	37	with	with	ADP
cana-5091	70	38	25	25	NUM
cana-5091	70	39	percent	percent	NOUN
cana-5091	70	40	each	each	DET
cana-5091	70	41	youngsters	youngster	NOUN
cana-5091	70	42	user	user	NOUN
cana-5091	70	43	and	and	CCONJ
cana-5091	70	44	middleaged	middleaged	ADJ
cana-5091	70	45	user	user	NOUN
cana-5091	70	46	taken	take	VERB
cana-5091	70	47	from	from	ADP
cana-5091	70	48	each	each	DET
cana-5091	70	49	amritsar	amritsar	PROPN
cana-5091	70	50	,	,	PUNCT
cana-5091	70	51	ludhiana	ludhiana	PROPN
cana-5091	70	52	,	,	PUNCT
cana-5091	70	53	firozpur	firozpur	NOUN
cana-5091	70	54	and	and	CCONJ
cana-5091	70	55	mansa	mansa	PROPN
cana-5091	70	56	districts	district	NOUN
cana-5091	70	57	.	.	PUNCT
cana-5091	71	1	fig	fig	NOUN
cana-5091	71	2	.	.	PUNCT
cana-5091	72	1	3	3	NUM
cana-5091	72	2	:	:	PUNCT
cana-5091	72	3	represents	represent	VERB
cana-5091	72	4	the	the	DET
cana-5091	72	5	distribution	distribution	NOUN
cana-5091	72	6	on	on	ADP
cana-5091	72	7	the	the	DET
cana-5091	72	8	basis	basis	NOUN
cana-5091	72	9	of	of	ADP
cana-5091	72	10	residence	residence	NOUN
cana-5091	72	11	.	.	PUNCT
cana-5091	73	1	48.8	48.8	NUM
cana-5091	73	2	%	%	NOUN
cana-5091	73	3	49.6	49.6	NUM
cana-5091	73	4	%	%	NOUN
cana-5091	73	5	51.2	51.2	NUM
cana-5091	73	6	%	%	NOUN
cana-5091	73	7	50.4	50.4	NUM
cana-5091	73	8	%	%	NOUN
cana-5091	73	9	47.5	47.5	NUM
cana-5091	73	10	%	%	NOUN
cana-5091	73	11	48.0	48.0	NUM
cana-5091	73	12	%	%	NOUN
cana-5091	73	13	48.5	48.5	NUM
cana-5091	73	14	%	%	NOUN
cana-5091	73	15	49.0	49.0	NUM
cana-5091	73	16	%	%	NOUN
cana-5091	73	17	49.5	49.5	NUM
cana-5091	73	18	%	%	NOUN
cana-5091	73	19	50.0	50.0	NUM
cana-5091	73	20	%	%	NOUN
cana-5091	73	21	50.5	50.5	NUM
cana-5091	73	22	%	%	NOUN
cana-5091	73	23	51.0	51.0	NUM
cana-5091	73	24	%	%	NOUN
cana-5091	73	25	51.5	51.5	NUM
cana-5091	73	26	%	%	NOUN
cana-5091	73	27	youngsters	youngster	NOUN
cana-5091	73	28	user	user	NOUN
cana-5091	73	29	middle	middle	NOUN
cana-5091	73	30	-	-	PUNCT
cana-5091	73	31	aged	aged	ADJ
cana-5091	73	32	user	user	NOUN
cana-5091	73	33	male	male	ADJ
cana-5091	73	34	female	female	ADJ
cana-5091	73	35	10.8	10.8	NUM
cana-5091	73	36	27.2	27.2	NUM
cana-5091	73	37	43.2	43.2	NUM
cana-5091	73	38	18.816	18.816	NUM
cana-5091	73	39	32.4	32.4	NUM
cana-5091	73	40	26.4	26.4	NUM
cana-5091	73	41	25.2	25.2	NUM
cana-5091	73	42	0	0	NUM
cana-5091	73	43	20	20	NUM
cana-5091	73	44	40	40	NUM
cana-5091	73	45	60	60	NUM
cana-5091	73	46	80	80	NUM
cana-5091	73	47	100	100	NUM
cana-5091	73	48	matric	matric	NOUN
cana-5091	73	49	higher	high	ADJ
cana-5091	73	50	secondary	secondary	ADJ
cana-5091	73	51	graduate	graduate	NOUN
cana-5091	73	52	postgraduate	postgraduate	NOUN
cana-5091	73	53	youngsters	youngster	NOUN
cana-5091	73	54	user	user	NOUN
cana-5091	73	55	middle	middle	NOUN
cana-5091	73	56	-	-	PUNCT
cana-5091	73	57	aged	aged	ADJ
cana-5091	73	58	user	user	NOUN
cana-5091	73	59	communications	communication	NOUN
cana-5091	73	60	on	on	ADP
cana-5091	73	61	applied	apply	VERB
cana-5091	73	62	nonlinear	nonlinear	ADJ
cana-5091	73	63	analysis	analysis	NOUN
cana-5091	73	64	issn	issn	NOUN
cana-5091	73	65	:	:	PUNCT
cana-5091	73	66	1074	1074	NUM
cana-5091	73	67	-	-	PUNCT
cana-5091	73	68	133x	133x	NUM
cana-5091	73	69	vol	vol	NOUN
cana-5091	73	70	32	32	NUM
cana-5091	73	71	no	no	NOUN
cana-5091	73	72	.	.	PUNCT
cana-5091	74	1	icmasd	icmasd	NOUN
cana-5091	74	2	(	(	PUNCT
cana-5091	74	3	2025	2025	NUM
cana-5091	74	4	)	)	PUNCT
cana-5091	74	5	623	623	NUM
cana-5091	74	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	74	7	om	om	VERB
cana-5091	74	8	the	the	DET
cana-5091	74	9	distribution	distribution	NOUN
cana-5091	74	10	based	base	VERB
cana-5091	74	11	on	on	ADP
cana-5091	74	12	occupation	occupation	NOUN
cana-5091	74	13	:	:	PUNCT
cana-5091	74	14	the	the	DET
cana-5091	74	15	majorities	majority	NOUN
cana-5091	74	16	of	of	ADP
cana-5091	74	17	user	user	NOUN
cana-5091	74	18	were	be	AUX
cana-5091	74	19	students	student	NOUN
cana-5091	74	20	(	(	PUNCT
cana-5091	74	21	30	30	NUM
cana-5091	74	22	%	%	NOUN
cana-5091	74	23	)	)	PUNCT
cana-5091	74	24	followed	follow	VERB
cana-5091	74	25	by	by	ADP
cana-5091	74	26	business	business	NOUN
cana-5091	74	27	(	(	PUNCT
cana-5091	74	28	20.6	20.6	NUM
cana-5091	74	29	%	%	NOUN
cana-5091	74	30	)	)	PUNCT
cana-5091	74	31	,	,	PUNCT
cana-5091	74	32	private	private	ADJ
cana-5091	74	33	employee	employee	NOUN
cana-5091	74	34	(	(	PUNCT
cana-5091	74	35	17.4	17.4	NUM
cana-5091	74	36	%	%	NOUN
cana-5091	74	37	)	)	PUNCT
cana-5091	74	38	,	,	PUNCT
cana-5091	74	39	govt	govt	NOUN
cana-5091	74	40	.	.	PUNCT
cana-5091	75	1	employee	employee	NOUN
cana-5091	75	2	(	(	PUNCT
cana-5091	75	3	16.6	16.6	NUM
cana-5091	75	4	%	%	NOUN
cana-5091	75	5	)	)	PUNCT
cana-5091	75	6	and	and	CCONJ
cana-5091	75	7	few	few	ADJ
cana-5091	75	8	were	be	AUX
cana-5091	75	9	housewife	housewife	NOUN
cana-5091	75	10	(	(	PUNCT
cana-5091	75	11	11.6	11.6	NUM
cana-5091	75	12	%	%	NOUN
cana-5091	75	13	)	)	PUNCT
cana-5091	75	14	and	and	CCONJ
cana-5091	75	15	3.8	3.8	NUM
cana-5091	75	16	%	%	NOUN
cana-5091	75	17	user	user	NOUN
cana-5091	75	18	have	have	VERB
cana-5091	75	19	any	any	DET
cana-5091	75	20	other	other	ADJ
cana-5091	75	21	type	type	NOUN
cana-5091	75	22	job	job	NOUN
cana-5091	75	23	respectively	respectively	ADV
cana-5091	75	24	.	.	PUNCT
cana-5091	76	1	among	among	ADP
cana-5091	76	2	youngster	youngster	ADJ
cana-5091	76	3	users	user	NOUN
cana-5091	76	4	,	,	PUNCT
cana-5091	76	5	the	the	DET
cana-5091	76	6	majority	majority	NOUN
cana-5091	76	7	were	be	AUX
cana-5091	76	8	students	student	NOUN
cana-5091	76	9	(	(	PUNCT
cana-5091	76	10	50.4	50.4	NUM
cana-5091	76	11	%	%	NOUN
cana-5091	76	12	)	)	PUNCT
cana-5091	76	13	followed	follow	VERB
cana-5091	76	14	by	by	ADP
cana-5091	76	15	govt	govt	NOUN
cana-5091	76	16	.	.	PUNCT
cana-5091	77	1	employee	employee	NOUN
cana-5091	77	2	(	(	PUNCT
cana-5091	77	3	18.8	18.8	NUM
cana-5091	77	4	%	%	NOUN
cana-5091	77	5	)	)	PUNCT
cana-5091	77	6	,	,	PUNCT
cana-5091	77	7	private	private	ADJ
cana-5091	77	8	employees	employee	NOUN
cana-5091	77	9	(	(	PUNCT
cana-5091	77	10	13.6	13.6	NUM
cana-5091	77	11	%	%	NOUN
cana-5091	77	12	)	)	PUNCT
cana-5091	77	13	,	,	PUNCT
cana-5091	77	14	business(8	business(8	PROPN
cana-5091	77	15	%	%	NOUN
cana-5091	77	16	)	)	PUNCT
cana-5091	77	17	,	,	PUNCT
cana-5091	77	18	housewife(8	housewife(8	PROPN
cana-5091	77	19	%	%	NOUN
cana-5091	77	20	)	)	PUNCT
cana-5091	77	21	and	and	CCONJ
cana-5091	77	22	very	very	ADV
cana-5091	77	23	few	few	ADJ
cana-5091	77	24	have	have	VERB
cana-5091	77	25	other	other	ADJ
cana-5091	77	26	type	type	NOUN
cana-5091	77	27	job	job	NOUN
cana-5091	77	28	(	(	PUNCT
cana-5091	77	29	2.0	2.0	NUM
cana-5091	77	30	%	%	NOUN
cana-5091	77	31	)	)	PUNCT
cana-5091	77	32	respectively	respectively	ADV
cana-5091	77	33	,	,	PUNCT
cana-5091	77	34	where	where	SCONJ
cana-5091	77	35	in	in	ADP
cana-5091	77	36	middle	middle	ADJ
cana-5091	77	37	-	-	PUNCT
cana-5091	77	38	aged	aged	ADJ
cana-5091	77	39	user	user	NOUN
cana-5091	77	40	,	,	PUNCT
cana-5091	77	41	occupation	occupation	NOUN
cana-5091	77	42	were	be	AUX
cana-5091	77	43	business	business	NOUN
cana-5091	77	44	(	(	PUNCT
cana-5091	77	45	33.2	33.2	NUM
cana-5091	77	46	%	%	NOUN
cana-5091	77	47	)	)	PUNCT
cana-5091	77	48	,	,	PUNCT
cana-5091	78	1	private	private	ADJ
cana-5091	78	2	employees	employee	NOUN
cana-5091	78	3	(	(	PUNCT
cana-5091	78	4	21.2	21.2	NUM
cana-5091	78	5	%	%	NOUN
cana-5091	78	6	)	)	PUNCT
cana-5091	78	7	,	,	PUNCT
cana-5091	78	8	govt	govt	NOUN
cana-5091	78	9	.	.	PUNCT
cana-5091	79	1	employee	employee	NOUN
cana-5091	79	2	(	(	PUNCT
cana-5091	79	3	15.2	15.2	NUM
cana-5091	79	4	%	%	NOUN
cana-5091	79	5	)	)	PUNCT
cana-5091	79	6	,	,	PUNCT
cana-5091	79	7	housewife(15.2	housewife(15.2	NUM
cana-5091	79	8	%	%	NOUN
cana-5091	79	9	)	)	PUNCT
cana-5091	79	10	,	,	PUNCT
cana-5091	79	11	students(9.6	students(9.6	NOUN
cana-5091	79	12	%	%	NOUN
cana-5091	79	13	)	)	PUNCT
cana-5091	79	14	and	and	CCONJ
cana-5091	79	15	very	very	ADV
cana-5091	79	16	few	few	ADJ
cana-5091	79	17	have	have	VERB
cana-5091	79	18	other	other	ADJ
cana-5091	79	19	type	type	NOUN
cana-5091	79	20	job	job	NOUN
cana-5091	79	21	(	(	PUNCT
cana-5091	79	22	5.6	5.6	NUM
cana-5091	79	23	%	%	NOUN
cana-5091	79	24	)	)	PUNCT
cana-5091	79	25	respectively	respectively	ADV
cana-5091	79	26	.	.	PUNCT
cana-5091	80	1	the	the	DET
cana-5091	80	2	distribution	distribution	NOUN
cana-5091	80	3	of	of	ADP
cana-5091	80	4	levels	level	NOUN
cana-5091	80	5	of	of	ADP
cana-5091	80	6	occupation	occupation	NOUN
cana-5091	80	7	among	among	ADP
cana-5091	80	8	user	user	NOUN
cana-5091	80	9	is	be	AUX
cana-5091	80	10	shown	show	VERB
cana-5091	80	11	in	in	ADP
cana-5091	80	12	figure	figure	NOUN
cana-5091	80	13	4	4	NUM
cana-5091	80	14	.	.	PUNCT
cana-5091	80	15	figure	figure	VERB
cana-5091	80	16	4	4	NUM
cana-5091	80	17	:	:	PUNCT
cana-5091	80	18	distribution	distribution	NOUN
cana-5091	80	19	of	of	ADP
cana-5091	80	20	occupation	occupation	NOUN
cana-5091	80	21	the	the	DET
cana-5091	80	22	distribution	distribution	NOUN
cana-5091	80	23	based	base	VERB
cana-5091	80	24	on	on	ADP
cana-5091	80	25	income	income	NOUN
cana-5091	80	26	level	level	NOUN
cana-5091	80	27	:	:	PUNCT
cana-5091	80	28	out	out	ADP
cana-5091	80	29	of	of	ADP
cana-5091	80	30	total	total	ADJ
cana-5091	80	31	user	user	NOUN
cana-5091	80	32	,	,	PUNCT
cana-5091	80	33	24.2	24.2	NUM
cana-5091	80	34	%	%	NOUN
cana-5091	80	35	do	do	AUX
cana-5091	80	36	not	not	PART
cana-5091	80	37	have	have	VERB
cana-5091	80	38	income	income	NOUN
cana-5091	80	39	either	either	CCONJ
cana-5091	80	40	students	student	NOUN
cana-5091	80	41	or	or	CCONJ
cana-5091	80	42	may	may	AUX
cana-5091	80	43	be	be	AUX
cana-5091	80	44	staying	stay	VERB
cana-5091	80	45	at	at	ADP
cana-5091	80	46	home	home	NOUN
cana-5091	80	47	,	,	PUNCT
cana-5091	80	48	where	where	SCONJ
cana-5091	80	49	26.2	26.2	NUM
cana-5091	80	50	%	%	NOUN
cana-5091	80	51	user	user	NOUN
cana-5091	80	52	have	have	VERB
cana-5091	80	53	income	income	NOUN
cana-5091	80	54	level	level	NOUN
cana-5091	80	55	rs.25000	rs.25000	PROPN
cana-5091	80	56	-	-	SYM
cana-5091	80	57	40000	40000	NUM
cana-5091	80	58	,	,	PUNCT
cana-5091	80	59	21.2	21.2	NUM
cana-5091	80	60	%	%	NOUN
cana-5091	80	61	have	have	VERB
cana-5091	80	62	less	less	ADJ
cana-5091	80	63	than	than	ADP
cana-5091	80	64	rs	rs	NOUN
cana-5091	80	65	25000	25000	NUM
cana-5091	80	66	,	,	PUNCT
cana-5091	80	67	16.5	16.5	NUM
cana-5091	80	68	%	%	NOUN
cana-5091	80	69	user	user	NOUN
cana-5091	80	70	have	have	VERB
cana-5091	80	71	income	income	NOUN
cana-5091	80	72	level	level	NOUN
cana-5091	80	73	rs.40000	rs.40000	PROPN
cana-5091	80	74	-	-	SYM
cana-5091	80	75	60000	60000	NUM
cana-5091	80	76	,	,	PUNCT
cana-5091	80	77	and	and	CCONJ
cana-5091	80	78	12	12	NUM
cana-5091	80	79	%	%	NOUN
cana-5091	80	80	user	user	NOUN
cana-5091	80	81	have	have	VERB
cana-5091	80	82	income	income	NOUN
cana-5091	80	83	rs	rs	NOUN
cana-5091	80	84	60000	60000	NUM
cana-5091	80	85	and	and	CCONJ
cana-5091	80	86	above	above	ADP
cana-5091	80	87	respectively	respectively	ADV
cana-5091	80	88	.	.	PUNCT
cana-5091	81	1	youngsters	youngster	NOUN
cana-5091	81	2	user	user	NOUN
cana-5091	81	3	showing	show	VERB
cana-5091	81	4	income	income	NOUN
cana-5091	81	5	level	level	NOUN
cana-5091	81	6	as	as	ADP
cana-5091	81	7	less	less	ADJ
cana-5091	81	8	than	than	ADP
cana-5091	81	9	rs.25000	rs.25000	PROPN
cana-5091	81	10	(	(	PUNCT
cana-5091	81	11	20.4	20.4	NUM
cana-5091	81	12	%	%	NOUN
cana-5091	81	13	)	)	PUNCT
cana-5091	81	14	,	,	PUNCT
cana-5091	81	15	rs.25000	rs.25000	PROPN
cana-5091	81	16	-	-	SYM
cana-5091	81	17	40000	40000	NUM
cana-5091	81	18	(	(	PUNCT
cana-5091	81	19	23.2	23.2	NUM
cana-5091	81	20	%	%	NOUN
cana-5091	81	21	)	)	PUNCT
cana-5091	81	22	,	,	PUNCT
cana-5091	81	23	rs.40000	rs.40000	PROPN
cana-5091	81	24	-	-	SYM
cana-5091	81	25	60000	60000	NUM
cana-5091	81	26	(	(	PUNCT
cana-5091	81	27	13.6	13.6	NUM
cana-5091	81	28	%	%	NOUN
cana-5091	81	29	)	)	PUNCT
cana-5091	81	30	,	,	PUNCT
cana-5091	81	31	rs	rs	NOUN
cana-5091	81	32	.	.	PROPN
cana-5091	81	33	60000	60000	NUM
cana-5091	81	34	and	and	CCONJ
cana-5091	81	35	above	above	ADV
cana-5091	81	36	(	(	PUNCT
cana-5091	81	37	6.0	6.0	NUM
cana-5091	81	38	%	%	NOUN
cana-5091	81	39	)	)	PUNCT
cana-5091	81	40	and	and	CCONJ
cana-5091	81	41	36.8	36.8	NUM
cana-5091	81	42	%	%	NOUN
cana-5091	81	43	user	user	NOUN
cana-5091	81	44	do	do	AUX
cana-5091	81	45	not	not	PART
cana-5091	81	46	have	have	VERB
cana-5091	81	47	income	income	NOUN
cana-5091	81	48	and	and	CCONJ
cana-5091	81	49	where	where	SCONJ
cana-5091	81	50	middle	middle	NOUN
cana-5091	81	51	-	-	PUNCT
cana-5091	81	52	aged	aged	ADJ
cana-5091	81	53	user	user	NOUN
cana-5091	81	54	showing	show	VERB
cana-5091	81	55	income	income	NOUN
cana-5091	81	56	level	level	NOUN
cana-5091	81	57	as	as	ADP
cana-5091	81	58	less	less	ADJ
cana-5091	81	59	than	than	ADP
cana-5091	81	60	rs.25000	rs.25000	PROPN
cana-5091	81	61	(	(	PUNCT
cana-5091	81	62	22.0	22.0	NUM
cana-5091	81	63	%	%	NOUN
cana-5091	81	64	)	)	PUNCT
cana-5091	81	65	,	,	PUNCT
cana-5091	81	66	rs.25000	rs.25000	PROPN
cana-5091	81	67	-	-	SYM
cana-5091	81	68	40000	40000	NUM
cana-5091	81	69	(	(	PUNCT
cana-5091	81	70	29.2	29.2	NUM
cana-5091	81	71	%	%	NOUN
cana-5091	81	72	)	)	PUNCT
cana-5091	81	73	,	,	PUNCT
cana-5091	81	74	rs.4000025	rs.4000025	PROPN
cana-5091	81	75	25	25	NUM
cana-5091	81	76	25	25	NUM
cana-5091	81	77	2525	2525	NUM
cana-5091	81	78	25	25	NUM
cana-5091	81	79	25	25	NUM
cana-5091	81	80	25	25	NUM
cana-5091	81	81	0	0	NUM
cana-5091	81	82	5	5	NUM
cana-5091	81	83	10	10	NUM
cana-5091	81	84	15	15	NUM
cana-5091	81	85	20	20	NUM
cana-5091	81	86	25	25	NUM
cana-5091	81	87	amritsar	amritsar	PROPN
cana-5091	81	88	ludhiana	ludhiana	PROPN
cana-5091	81	89	firozpur	firozpur	PROPN
cana-5091	81	90	mansa	mansa	PROPN
cana-5091	81	91	youngsters	youngsters	PROPN
cana-5091	81	92	user	user	PROPN
cana-5091	81	93	middle	middle	NOUN
cana-5091	81	94	-	-	PUNCT
cana-5091	81	95	aged	aged	ADJ
cana-5091	81	96	user	user	NOUN
cana-5091	81	97	18	18	NUM
cana-5091	81	98	13.6	13.6	NUM
cana-5091	81	99	8	8	NUM
cana-5091	81	100	50.4	50.4	NUM
cana-5091	81	101	8	8	NUM
cana-5091	81	102	2	2	NUM
cana-5091	81	103	15.2	15.2	NUM
cana-5091	81	104	21.2	21.2	NUM
cana-5091	81	105	33.2	33.2	NUM
cana-5091	81	106	9.6	9.6	NUM
cana-5091	81	107	15.2	15.2	NUM
cana-5091	81	108	5.6	5.6	NUM
cana-5091	81	109	0	0	NUM
cana-5091	81	110	10	10	NUM
cana-5091	81	111	20	20	NUM
cana-5091	81	112	30	30	NUM
cana-5091	81	113	40	40	NUM
cana-5091	81	114	50	50	NUM
cana-5091	81	115	60	60	NUM
cana-5091	81	116	govt	govt	NOUN
cana-5091	81	117	.	.	PUNCT
cana-5091	82	1	employee	employee	NOUN
cana-5091	82	2	private	private	ADJ
cana-5091	82	3	employee	employee	NOUN
cana-5091	82	4	business	business	NOUN
cana-5091	82	5	student	student	NOUN
cana-5091	82	6	housewife	housewife	NOUN
cana-5091	82	7	any	any	DET
cana-5091	82	8	other	other	ADJ
cana-5091	82	9	youngsters	youngster	NOUN
cana-5091	82	10	user	user	NOUN
cana-5091	82	11	middle	middle	NOUN
cana-5091	82	12	-	-	PUNCT
cana-5091	82	13	aged	aged	ADJ
cana-5091	82	14	user	user	NOUN
cana-5091	82	15	communications	communication	NOUN
cana-5091	82	16	on	on	ADP
cana-5091	82	17	applied	apply	VERB
cana-5091	82	18	nonlinear	nonlinear	ADJ
cana-5091	82	19	analysis	analysis	NOUN
cana-5091	82	20	issn	issn	NOUN
cana-5091	82	21	:	:	PUNCT
cana-5091	82	22	1074	1074	NUM
cana-5091	82	23	-	-	PUNCT
cana-5091	82	24	133x	133x	NUM
cana-5091	82	25	vol	vol	NOUN
cana-5091	82	26	32	32	NUM
cana-5091	82	27	no	no	NOUN
cana-5091	82	28	.	.	PUNCT
cana-5091	83	1	icmasd	icmasd	NOUN
cana-5091	83	2	(	(	PUNCT
cana-5091	83	3	2025	2025	NUM
cana-5091	83	4	)	)	PUNCT
cana-5091	83	5	624	624	NUM
cana-5091	83	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	83	7	om	om	PROPN
cana-5091	83	8	60000	60000	NUM
cana-5091	83	9	(	(	PUNCT
cana-5091	83	10	19.2	19.2	NUM
cana-5091	83	11	%	%	NOUN
cana-5091	83	12	)	)	PUNCT
cana-5091	83	13	,	,	PUNCT
cana-5091	83	14	rs	rs	NOUN
cana-5091	83	15	.	.	PROPN
cana-5091	83	16	60000	60000	NUM
cana-5091	83	17	and	and	CCONJ
cana-5091	83	18	above	above	ADV
cana-5091	83	19	(	(	PUNCT
cana-5091	83	20	18.0	18.0	NUM
cana-5091	83	21	%	%	NOUN
cana-5091	83	22	)	)	PUNCT
cana-5091	83	23	and	and	CCONJ
cana-5091	83	24	11.6	11.6	NUM
cana-5091	83	25	%	%	NOUN
cana-5091	83	26	user	user	NOUN
cana-5091	83	27	do	do	AUX
cana-5091	83	28	not	not	PART
cana-5091	83	29	have	have	VERB
cana-5091	83	30	income	income	NOUN
cana-5091	83	31	.	.	PUNCT
cana-5091	84	1	proportion	proportion	NOUN
cana-5091	84	2	of	of	ADP
cana-5091	84	3	income	income	NOUN
cana-5091	84	4	among	among	ADP
cana-5091	84	5	youngsters	youngster	NOUN
cana-5091	84	6	and	and	CCONJ
cana-5091	84	7	middle	middle	ADJ
cana-5091	84	8	-	-	PUNCT
cana-5091	84	9	aged	aged	ADJ
cana-5091	84	10	user	user	NOUN
cana-5091	84	11	is	be	AUX
cana-5091	84	12	shown	show	VERB
cana-5091	84	13	in	in	ADP
cana-5091	84	14	figure	figure	NOUN
cana-5091	84	15	5	5	NUM
cana-5091	84	16	.	.	PUNCT
cana-5091	85	1	figure5	figure5	ADJ
cana-5091	85	2	:	:	PUNCT
cana-5091	85	3	proportion	proportion	NOUN
cana-5091	85	4	of	of	ADP
cana-5091	85	5	income	income	NOUN
cana-5091	85	6	level	level	NOUN
cana-5091	85	7	among	among	ADP
cana-5091	85	8	youngsters	youngster	NOUN
cana-5091	85	9	and	and	CCONJ
cana-5091	85	10	middle	middle	ADJ
cana-5091	85	11	-	-	PUNCT
cana-5091	85	12	aged	aged	ADJ
cana-5091	85	13	user	user	NOUN
cana-5091	85	14	interpretation	interpretation	NOUN
cana-5091	85	15	the	the	DET
cana-5091	85	16	interpretation	interpretation	NOUN
cana-5091	85	17	of	of	ADP
cana-5091	85	18	analyzed	analyze	VERB
cana-5091	85	19	data	data	NOUN
cana-5091	85	20	is	be	AUX
cana-5091	85	21	as	as	ADP
cana-5091	85	22	follow	follow	NOUN
cana-5091	85	23	table	table	NOUN
cana-5091	85	24	2	2	NUM
cana-5091	85	25	:	:	PUNCT
cana-5091	85	26	the	the	DET
cana-5091	85	27	association	association	NOUN
cana-5091	85	28	of	of	ADP
cana-5091	85	29	characteristics	characteristic	NOUN
cana-5091	85	30	between	between	ADP
cana-5091	85	31	youngsters	youngster	NOUN
cana-5091	85	32	user	user	NOUN
cana-5091	85	33	and	and	CCONJ
cana-5091	85	34	middleaged	middleaged	ADJ
cana-5091	85	35	user	user	NOUN
cana-5091	85	36	youngsters	youngster	NOUN
cana-5091	85	37	user	user	NOUN
cana-5091	85	38	(	(	PUNCT
cana-5091	85	39	n=250	n=250	ADJ
cana-5091	85	40	)	)	PUNCT
cana-5091	85	41	middleaged	middleaged	ADJ
cana-5091	85	42	user	user	NOUN
cana-5091	85	43	(	(	PUNCT
cana-5091	85	44	n=250	n=250	PROPN
cana-5091	85	45	)	)	PUNCT
cana-5091	85	46	chisquare	chisquare	NOUN
cana-5091	85	47	value	value	NOUN
cana-5091	85	48	df	df	PROPN
cana-5091	85	49	p	p	PROPN
cana-5091	85	50	value	value	NOUN
cana-5091	85	51	freq	freq	NOUN
cana-5091	85	52	.	.	PUNCT
cana-5091	86	1	percent	percent	NOUN
cana-5091	86	2	freq	freq	NOUN
cana-5091	86	3	.	.	PUNCT
cana-5091	87	1	percent	percent	NOUN
cana-5091	87	2	gender	gender	NOUN
cana-5091	87	3	male	male	NOUN
cana-5091	87	4	122	122	NUM
cana-5091	87	5	48.8	48.8	NUM
cana-5091	87	6	124	124	NUM
cana-5091	87	7	49.6	49.6	NUM
cana-5091	87	8	0.03	0.03	NUM
cana-5091	87	9	1	1	NUM
cana-5091	87	10	0.86	0.86	NUM
cana-5091	87	11	female	female	NOUN
cana-5091	87	12	128	128	NUM
cana-5091	87	13	51.2	51.2	NUM
cana-5091	87	14	126	126	NUM
cana-5091	87	15	50.4	50.4	NUM
cana-5091	87	16	education	education	NOUN
cana-5091	87	17	matric	matric	NOUN
cana-5091	87	18	27	27	NUM
cana-5091	87	19	10.8	10.8	NUM
cana-5091	87	20	40	40	NUM
cana-5091	87	21	16.0	16.0	NUM
cana-5091	87	22	16.1	16.1	NUM
cana-5091	87	23	0.00	0.00	NUM
cana-5091	87	24	*	*	PUNCT
cana-5091	87	25	*	*	PUNCT
cana-5091	87	26	higher	high	ADJ
cana-5091	87	27	secondary	secondary	ADJ
cana-5091	87	28	68	68	NUM
cana-5091	87	29	27.2	27.2	NUM
cana-5091	87	30	81	81	NUM
cana-5091	87	31	32.4	32.4	NUM
cana-5091	87	32	3	3	NUM
cana-5091	87	33	graduate	graduate	NOUN
cana-5091	87	34	108	108	NUM
cana-5091	87	35	43.2	43.2	NUM
cana-5091	87	36	66	66	NUM
cana-5091	87	37	26.4	26.4	NUM
cana-5091	87	38	postgraduate	postgraduate	NOUN
cana-5091	87	39	47	47	NUM
cana-5091	87	40	18.8	18.8	NUM
cana-5091	87	41	63	63	NUM
cana-5091	87	42	25.2	25.2	NUM
cana-5091	87	43	residence	residence	NOUN
cana-5091	87	44	amritsar	amritsar	NOUN
cana-5091	87	45	63	63	NUM
cana-5091	87	46	25.2	25.2	NUM
cana-5091	87	47	63	63	NUM
cana-5091	87	48	25.2	25.2	NUM
cana-5091	87	49	0.02	0.02	NUM
cana-5091	87	50	3	3	NUM
cana-5091	87	51	0.99	0.99	NUM
cana-5091	87	52	ludhiana	ludhiana	NOUN
cana-5091	87	53	62	62	NUM
cana-5091	87	54	24.8	24.8	NUM
cana-5091	87	55	62	62	NUM
cana-5091	87	56	24.8	24.8	NUM
cana-5091	87	57	firozpur	firozpur	NOUN
cana-5091	87	58	63	63	NUM
cana-5091	87	59	25.2	25.2	NUM
cana-5091	87	60	62	62	NUM
cana-5091	87	61	24.8	24.8	NUM
cana-5091	87	62	mansa	mansa	PROPN
cana-5091	87	63	62	62	NUM
cana-5091	87	64	24.8	24.8	NUM
cana-5091	87	65	63	63	NUM
cana-5091	87	66	25.2	25.2	NUM
cana-5091	87	67	36.80	36.80	NUM
cana-5091	87	68	%	%	NOUN
cana-5091	87	69	20.40	20.40	NUM
cana-5091	87	70	%	%	NOUN
cana-5091	87	71	23.20	23.20	NUM
cana-5091	87	72	%	%	NOUN
cana-5091	87	73	13.60	13.60	NUM
cana-5091	87	74	%	%	NOUN
cana-5091	87	75	6	6	NUM
cana-5091	87	76	%	%	NOUN
cana-5091	87	77	11.60	11.60	NUM
cana-5091	87	78	%	%	NOUN
cana-5091	87	79	22	22	NUM
cana-5091	87	80	%	%	NOUN
cana-5091	87	81	29.20	29.20	NUM
cana-5091	87	82	%	%	NOUN
cana-5091	87	83	19.20	19.20	NUM
cana-5091	87	84	%	%	NOUN
cana-5091	87	85	18	18	NUM
cana-5091	87	86	%	%	NOUN
cana-5091	87	87	0	0	NUM
cana-5091	87	88	%	%	NOUN
cana-5091	87	89	5	5	NUM
cana-5091	87	90	%	%	NOUN
cana-5091	87	91	10	10	NUM
cana-5091	87	92	%	%	NOUN
cana-5091	87	93	15	15	NUM
cana-5091	87	94	%	%	NOUN
cana-5091	87	95	20	20	NUM
cana-5091	87	96	%	%	NOUN
cana-5091	87	97	25	25	NUM
cana-5091	87	98	%	%	NOUN
cana-5091	87	99	30	30	NUM
cana-5091	87	100	%	%	NOUN
cana-5091	87	101	35	35	NUM
cana-5091	87	102	%	%	NOUN
cana-5091	87	103	40	40	NUM
cana-5091	87	104	%	%	NOUN
cana-5091	87	105	nil	nil	NOUN
cana-5091	87	106	<	<	X
cana-5091	87	107	rs.25,000	rs.25,000	X
cana-5091	87	108	rs.25,000	rs.25,000	NUM
cana-5091	87	109	40,000	40,000	NUM
cana-5091	87	110	rs.40,000	rs.40,000	NUM
cana-5091	87	111	60,000	60,000	NUM
cana-5091	87	112	>	>	PUNCT
cana-5091	87	113	rs	rs	NOUN
cana-5091	87	114	.	.	PUNCT
cana-5091	88	1	60,000	60,000	NUM
cana-5091	88	2	youngsters	youngster	NOUN
cana-5091	88	3	user	user	NOUN
cana-5091	88	4	middle	middle	NOUN
cana-5091	88	5	-	-	PUNCT
cana-5091	88	6	aged	aged	ADJ
cana-5091	88	7	user	user	NOUN
cana-5091	88	8	communications	communication	NOUN
cana-5091	88	9	on	on	ADP
cana-5091	88	10	applied	apply	VERB
cana-5091	88	11	nonlinear	nonlinear	ADJ
cana-5091	88	12	analysis	analysis	NOUN
cana-5091	88	13	issn	issn	NOUN
cana-5091	88	14	:	:	PUNCT
cana-5091	88	15	1074	1074	NUM
cana-5091	88	16	-	-	PUNCT
cana-5091	88	17	133x	133x	NUM
cana-5091	88	18	vol	vol	NOUN
cana-5091	88	19	32	32	NUM
cana-5091	88	20	no	no	NOUN
cana-5091	88	21	.	.	PUNCT
cana-5091	89	1	icmasd	icmasd	NOUN
cana-5091	89	2	(	(	PUNCT
cana-5091	89	3	2025	2025	NUM
cana-5091	89	4	)	)	PUNCT
cana-5091	89	5	625	625	NUM
cana-5091	89	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	89	7	om	om	PROPN
cana-5091	89	8	occupation	occupation	NOUN
cana-5091	89	9	govt	govt	NOUN
cana-5091	89	10	.	.	PUNCT
cana-5091	90	1	employee	employee	NOUN
cana-5091	90	2	45	45	NUM
cana-5091	90	3	18.0	18.0	NUM
cana-5091	90	4	38	38	NUM
cana-5091	90	5	15.2	15.2	NUM
cana-5091	90	6	122.5	122.5	NUM
cana-5091	90	7	5	5	NUM
cana-5091	90	8	0.00	0.00	NUM
cana-5091	90	9	*	*	PUNCT
cana-5091	90	10	*	*	PUNCT
cana-5091	90	11	private	private	ADJ
cana-5091	90	12	employee	employee	NOUN
cana-5091	90	13	34	34	NUM
cana-5091	90	14	13.6	13.6	NUM
cana-5091	90	15	53	53	NUM
cana-5091	90	16	21.2	21.2	NUM
cana-5091	90	17	business	business	NOUN
cana-5091	90	18	20	20	NUM
cana-5091	90	19	8.0	8.0	NUM
cana-5091	90	20	83	83	NUM
cana-5091	90	21	33.2	33.2	NUM
cana-5091	90	22	student	student	NOUN
cana-5091	90	23	126	126	NUM
cana-5091	90	24	50.4	50.4	NUM
cana-5091	90	25	24	24	NUM
cana-5091	90	26	9.6	9.6	NUM
cana-5091	90	27	housewife	housewife	NOUN
cana-5091	90	28	20	20	NUM
cana-5091	90	29	8.0	8.0	NUM
cana-5091	90	30	38	38	NUM
cana-5091	90	31	15.2	15.2	NUM
cana-5091	90	32	any	any	DET
cana-5091	90	33	other	other	ADJ
cana-5091	90	34	5	5	NUM
cana-5091	90	35	2.0	2.0	NUM
cana-5091	90	36	14	14	NUM
cana-5091	90	37	5.6	5.6	NUM
cana-5091	90	38	income	income	NOUN
cana-5091	90	39	less	less	ADJ
cana-5091	90	40	than	than	ADP
cana-5091	90	41	25,000	25,000	NUM
cana-5091	90	42	51	51	NUM
cana-5091	90	43	20.4	20.4	NUM
cana-5091	90	44	55	55	NUM
cana-5091	90	45	22.0	22.0	NUM
cana-5091	90	46	52.1	52.1	NUM
cana-5091	90	47	4	4	NUM
cana-5091	90	48	0.00	0.00	NUM
cana-5091	90	49	*	*	PUNCT
cana-5091	90	50	*	*	PUNCT
cana-5091	90	51	25,000	25,000	NUM
cana-5091	90	52	40,000	40,000	NUM
cana-5091	90	53	58	58	NUM
cana-5091	90	54	23.2	23.2	NUM
cana-5091	90	55	73	73	NUM
cana-5091	90	56	29.2	29.2	NUM
cana-5091	90	57	40,000	40,000	NUM
cana-5091	90	58	60,000	60,000	NUM
cana-5091	90	59	34	34	NUM
cana-5091	90	60	13.6	13.6	NUM
cana-5091	90	61	48	48	NUM
cana-5091	90	62	19.2	19.2	NUM
cana-5091	90	63	above	above	ADP
cana-5091	90	64	60,000	60,000	NUM
cana-5091	90	65	15	15	NUM
cana-5091	90	66	6.0	6.0	NUM
cana-5091	90	67	45	45	NUM
cana-5091	90	68	18.0	18.0	NUM
cana-5091	90	69	none	none	NOUN
cana-5091	90	70	92	92	NUM
cana-5091	90	71	36.8	36.8	NUM
cana-5091	90	72	29	29	NUM
cana-5091	90	73	11.6	11.6	NUM
cana-5091	90	74	*	*	PUNCT
cana-5091	90	75	*	*	PUNCT
cana-5091	90	76	p<0.01	p<0.01	PRON
cana-5091	90	77	table	table	NOUN
cana-5091	90	78	2	2	NUM
cana-5091	90	79	represents	represent	VERB
cana-5091	90	80	the	the	DET
cana-5091	90	81	association	association	NOUN
cana-5091	90	82	of	of	ADP
cana-5091	90	83	various	various	ADJ
cana-5091	90	84	demographic	demographic	ADJ
cana-5091	90	85	characteristics	characteristic	NOUN
cana-5091	90	86	between	between	ADP
cana-5091	90	87	youngster	youngster	ADJ
cana-5091	90	88	users	user	NOUN
cana-5091	90	89	and	and	CCONJ
cana-5091	90	90	middle	middle	ADJ
cana-5091	90	91	-	-	PUNCT
cana-5091	90	92	aged	aged	ADJ
cana-5091	90	93	users	user	NOUN
cana-5091	90	94	,	,	PUNCT
cana-5091	90	95	association	association	NOUN
cana-5091	90	96	between	between	ADP
cana-5091	90	97	youngsters	youngster	NOUN
cana-5091	90	98	and	and	CCONJ
cana-5091	90	99	middle	middle	ADJ
cana-5091	90	100	-	-	PUNCT
cana-5091	90	101	aged	aged	ADJ
cana-5091	90	102	users	user	NOUN
cana-5091	90	103	on	on	ADP
cana-5091	90	104	the	the	DET
cana-5091	90	105	basis	basis	NOUN
cana-5091	90	106	of	of	ADP
cana-5091	90	107	gender	gender	NOUN
cana-5091	90	108	among	among	ADP
cana-5091	90	109	younger	young	ADJ
cana-5091	90	110	users	user	NOUN
cana-5091	90	111	,	,	PUNCT
cana-5091	90	112	51.2	51.2	NUM
cana-5091	90	113	%	%	NOUN
cana-5091	90	114	were	be	AUX
cana-5091	90	115	female	female	ADJ
cana-5091	90	116	and	and	CCONJ
cana-5091	90	117	48.8	48.8	NUM
cana-5091	90	118	%	%	NOUN
cana-5091	90	119	were	be	AUX
cana-5091	90	120	males	male	NOUN
cana-5091	90	121	,	,	PUNCT
cana-5091	90	122	whereas	whereas	SCONJ
cana-5091	90	123	for	for	ADP
cana-5091	90	124	middle	middle	ADJ
cana-5091	90	125	-	-	PUNCT
cana-5091	90	126	aged	aged	ADJ
cana-5091	90	127	users	user	NOUN
cana-5091	90	128	,	,	PUNCT
cana-5091	90	129	50.4	50.4	NUM
cana-5091	90	130	%	%	NOUN
cana-5091	90	131	were	be	AUX
cana-5091	90	132	female	female	ADJ
cana-5091	90	133	and	and	CCONJ
cana-5091	90	134	49.6	49.6	NUM
cana-5091	90	135	%	%	NOUN
cana-5091	90	136	were	be	AUX
cana-5091	90	137	male	male	ADJ
cana-5091	90	138	.	.	PUNCT
cana-5091	91	1	the	the	DET
cana-5091	91	2	chi	chi	ADJ
cana-5091	91	3	-	-	PUNCT
cana-5091	91	4	square	square	ADJ
cana-5091	91	5	values	value	NOUN
cana-5091	91	6	(=	(=	ADV
cana-5091	91	7	0.03,p>0.05	0.03,p>0.05	NUM
cana-5091	91	8	)	)	PUNCT
cana-5091	91	9	showed	show	VERB
cana-5091	91	10	a	a	DET
cana-5091	91	11	value	value	NOUN
cana-5091	91	12	that	that	SCONJ
cana-5091	91	13	there	there	PRON
cana-5091	91	14	is	be	VERB
cana-5091	91	15	non	non	ADJ
cana-5091	91	16	-significant	-significant	ADJ
cana-5091	91	17	association	association	NOUN
cana-5091	91	18	between	between	ADP
cana-5091	91	19	distribution	distribution	NOUN
cana-5091	91	20	of	of	ADP
cana-5091	91	21	gender	gender	NOUN
cana-5091	91	22	and	and	CCONJ
cana-5091	91	23	users	user	NOUN
cana-5091	91	24	.	.	PUNCT
cana-5091	92	1	association	association	NOUN
cana-5091	92	2	between	between	ADP
cana-5091	92	3	youngsters	youngster	NOUN
cana-5091	92	4	and	and	CCONJ
cana-5091	92	5	middle	middle	ADJ
cana-5091	92	6	-	-	PUNCT
cana-5091	92	7	aged	aged	ADJ
cana-5091	92	8	users	user	NOUN
cana-5091	92	9	on	on	ADP
cana-5091	92	10	the	the	DET
cana-5091	92	11	basis	basis	NOUN
cana-5091	92	12	of	of	ADP
cana-5091	92	13	education	education	NOUN
cana-5091	92	14	level	level	NOUN
cana-5091	92	15	among	among	ADP
cana-5091	92	16	youngster	youngster	ADJ
cana-5091	92	17	user	user	NOUN
cana-5091	92	18	,	,	PUNCT
cana-5091	92	19	majorities	majority	NOUN
cana-5091	92	20	of	of	ADP
cana-5091	92	21	user	user	NOUN
cana-5091	92	22	were	be	AUX
cana-5091	92	23	graduate	graduate	ADJ
cana-5091	92	24	with	with	ADP
cana-5091	92	25	43.5	43.5	NUM
cana-5091	92	26	%	%	NOUN
cana-5091	92	27	graduate	graduate	NOUN
cana-5091	92	28	,	,	PUNCT
cana-5091	92	29	postgraduate	postgraduate	VERB
cana-5091	92	30	with	with	ADP
cana-5091	92	31	18.8	18.8	NUM
cana-5091	92	32	%	%	NOUN
cana-5091	92	33	,	,	PUNCT
cana-5091	92	34	higher	high	ADJ
cana-5091	92	35	secondary	secondary	ADJ
cana-5091	92	36	with	with	ADP
cana-5091	92	37	27.2	27.2	NUM
cana-5091	92	38	%	%	NOUN
cana-5091	92	39	and	and	CCONJ
cana-5091	92	40	10.8	10.8	NUM
cana-5091	92	41	%	%	NOUN
cana-5091	92	42	had	have	VERB
cana-5091	92	43	matric	matric	NOUN
cana-5091	92	44	-	-	PUNCT
cana-5091	92	45	level	level	NOUN
cana-5091	92	46	education	education	NOUN
cana-5091	92	47	.	.	PUNCT
cana-5091	93	1	among	among	ADP
cana-5091	93	2	middle	middle	ADJ
cana-5091	93	3	-	-	PUNCT
cana-5091	93	4	aged	aged	ADJ
cana-5091	93	5	user	user	NOUN
cana-5091	93	6	,	,	PUNCT
cana-5091	93	7	majorities	majority	NOUN
cana-5091	93	8	of	of	ADP
cana-5091	93	9	user	user	NOUN
cana-5091	93	10	were	be	AUX
cana-5091	93	11	higher	high	ADJ
cana-5091	93	12	secondary	secondary	ADJ
cana-5091	93	13	with	with	ADP
cana-5091	93	14	32.4	32.4	NUM
cana-5091	93	15	%	%	NOUN
cana-5091	93	16	,	,	PUNCT
cana-5091	93	17	graduate	graduate	VERB
cana-5091	93	18	with	with	ADP
cana-5091	93	19	26.4	26.4	NUM
cana-5091	93	20	%	%	NOUN
cana-5091	93	21	,	,	PUNCT
cana-5091	93	22	postgraduate	postgraduate	VERB
cana-5091	93	23	with	with	ADP
cana-5091	93	24	25.2	25.2	NUM
cana-5091	93	25	%	%	NOUN
cana-5091	93	26	,	,	PUNCT
cana-5091	93	27	and	and	CCONJ
cana-5091	93	28	16.0	16.0	NUM
cana-5091	93	29	%	%	NOUN
cana-5091	93	30	had	have	VERB
cana-5091	93	31	matric	matric	NOUN
cana-5091	93	32	-	-	PUNCT
cana-5091	93	33	level	level	NOUN
cana-5091	93	34	education	education	NOUN
cana-5091	93	35	.	.	PUNCT
cana-5091	94	1	the	the	DET
cana-5091	94	2	chi	chi	ADJ
cana-5091	94	3	-	-	PUNCT
cana-5091	94	4	square	square	ADJ
cana-5091	94	5	values	value	NOUN
cana-5091	94	6	(=	(=	NOUN
cana-5091	94	7	16.1,p<0.01	16.1,p<0.01	NUM
cana-5091	94	8	)	)	PUNCT
cana-5091	94	9	showed	show	VERB
cana-5091	94	10	a	a	DET
cana-5091	94	11	value	value	NOUN
cana-5091	94	12	that	that	SCONJ
cana-5091	94	13	there	there	PRON
cana-5091	94	14	is	be	VERB
cana-5091	94	15	significant	significant	ADJ
cana-5091	94	16	association	association	NOUN
cana-5091	94	17	between	between	ADP
cana-5091	94	18	distribution	distribution	NOUN
cana-5091	94	19	of	of	ADP
cana-5091	94	20	education	education	NOUN
cana-5091	94	21	levels	level	NOUN
cana-5091	94	22	and	and	CCONJ
cana-5091	94	23	users	user	NOUN
cana-5091	94	24	.	.	PUNCT
cana-5091	95	1	from	from	ADP
cana-5091	95	2	above	above	ADP
cana-5091	95	3	discussion	discussion	NOUN
cana-5091	95	4	we	we	PRON
cana-5091	95	5	concluded	conclude	VERB
cana-5091	95	6	that	that	SCONJ
cana-5091	95	7	the	the	DET
cana-5091	95	8	education	education	NOUN
cana-5091	95	9	level	level	NOUN
cana-5091	95	10	showed	show	VERB
cana-5091	95	11	a	a	DET
cana-5091	95	12	significant	significant	ADJ
cana-5091	95	13	association	association	NOUN
cana-5091	95	14	between	between	ADP
cana-5091	95	15	youngsters	youngster	NOUN
cana-5091	95	16	and	and	CCONJ
cana-5091	95	17	middle	middle	ADJ
cana-5091	95	18	-	-	PUNCT
cana-5091	95	19	aged	aged	ADJ
cana-5091	95	20	users	user	NOUN
cana-5091	95	21	.	.	PUNCT
cana-5091	96	1	association	association	NOUN
cana-5091	96	2	between	between	ADP
cana-5091	96	3	youngsters	youngster	NOUN
cana-5091	96	4	and	and	CCONJ
cana-5091	96	5	middle	middle	ADJ
cana-5091	96	6	-	-	PUNCT
cana-5091	96	7	aged	aged	ADJ
cana-5091	96	8	users	user	NOUN
cana-5091	96	9	on	on	ADP
cana-5091	96	10	the	the	DET
cana-5091	96	11	basis	basis	NOUN
cana-5091	96	12	of	of	ADP
cana-5091	96	13	residence	residence	NOUN
cana-5091	96	14	the	the	DET
cana-5091	96	15	distribution	distribution	NOUN
cana-5091	96	16	of	of	ADP
cana-5091	96	17	youngster	youngster	NOUN
cana-5091	96	18	as	as	ADV
cana-5091	96	19	well	well	ADV
cana-5091	96	20	as	as	ADP
cana-5091	96	21	middle	middle	ADJ
cana-5091	96	22	-	-	PUNCT
cana-5091	96	23	aged	aged	ADJ
cana-5091	96	24	users	user	NOUN
cana-5091	96	25	across	across	ADP
cana-5091	96	26	cities	city	NOUN
cana-5091	96	27	(	(	PUNCT
cana-5091	96	28	amritsar	amritsar	PROPN
cana-5091	96	29	,	,	PUNCT
cana-5091	96	30	ludhiana	ludhiana	PROPN
cana-5091	96	31	,	,	PUNCT
cana-5091	96	32	firozpur	firozpur	NOUN
cana-5091	96	33	,	,	PUNCT
cana-5091	96	34	and	and	CCONJ
cana-5091	96	35	mansa	mansa	PROPN
cana-5091	96	36	)	)	PUNCT
cana-5091	96	37	was	be	AUX
cana-5091	96	38	nearly	nearly	ADV
cana-5091	96	39	with	with	ADP
cana-5091	96	40	equal	equal	ADJ
cana-5091	96	41	number	number	NOUN
cana-5091	96	42	,	,	PUNCT
cana-5091	96	43	with	with	ADP
cana-5091	96	44	each	each	DET
cana-5091	96	45	city	city	NOUN
cana-5091	96	46	contributing	contribute	VERB
cana-5091	96	47	approximately	approximately	ADV
cana-5091	96	48	25	25	NUM
cana-5091	96	49	%	%	NOUN
cana-5091	96	50	communications	communication	NOUN
cana-5091	96	51	on	on	ADP
cana-5091	96	52	applied	apply	VERB
cana-5091	96	53	nonlinear	nonlinear	ADJ
cana-5091	96	54	analysis	analysis	NOUN
cana-5091	96	55	issn	issn	NOUN
cana-5091	96	56	:	:	PUNCT
cana-5091	96	57	1074	1074	NUM
cana-5091	96	58	-	-	PUNCT
cana-5091	96	59	133x	133x	NUM
cana-5091	96	60	vol	vol	NOUN
cana-5091	96	61	32	32	NUM
cana-5091	96	62	no	no	NOUN
cana-5091	96	63	.	.	PUNCT
cana-5091	97	1	icmasd	icmasd	NOUN
cana-5091	97	2	(	(	PUNCT
cana-5091	97	3	2025	2025	NUM
cana-5091	97	4	)	)	PUNCT
cana-5091	97	5	626	626	NUM
cana-5091	97	6	https://internationalpubls.c	https://internationalpubls.c	ADJ
cana-5091	97	7	om	om	NOUN
cana-5091	97	8	of	of	ADP
cana-5091	97	9	users	user	NOUN
cana-5091	97	10	in	in	ADP
cana-5091	97	11	both	both	DET
cana-5091	97	12	groups	group	NOUN
cana-5091	97	13	.	.	PUNCT
cana-5091	98	1	the	the	DET
cana-5091	98	2	chi	chi	ADJ
cana-5091	98	3	-	-	PUNCT
cana-5091	98	4	square	square	ADJ
cana-5091	98	5	values	value	NOUN
cana-5091	98	6	(=	(=	ADP
cana-5091	98	7	0.02	0.02	NUM
cana-5091	98	8	,	,	PUNCT
cana-5091	98	9	p>0.05	p>0.05	NOUN
cana-5091	98	10	)	)	PUNCT
cana-5091	98	11	showed	show	VERB
cana-5091	98	12	a	a	DET
cana-5091	98	13	value	value	NOUN
cana-5091	98	14	that	that	SCONJ
cana-5091	98	15	there	there	PRON
cana-5091	98	16	is	be	VERB
cana-5091	98	17	nonsignificant	nonsignificant	ADJ
cana-5091	98	18	association	association	NOUN
cana-5091	98	19	between	between	ADP
cana-5091	98	20	residence	residence	NOUN
cana-5091	98	21	and	and	CCONJ
cana-5091	98	22	users	user	NOUN
cana-5091	98	23	.	.	PUNCT
cana-5091	99	1	association	association	NOUN
cana-5091	99	2	between	between	ADP
cana-5091	99	3	youngsters	youngster	NOUN
cana-5091	99	4	and	and	CCONJ
cana-5091	99	5	middle	middle	ADJ
cana-5091	99	6	-	-	PUNCT
cana-5091	99	7	aged	aged	ADJ
cana-5091	99	8	users	user	NOUN
cana-5091	99	9	on	on	ADP
cana-5091	99	10	the	the	DET
cana-5091	99	11	basis	basis	NOUN
cana-5091	99	12	of	of	ADP
cana-5091	99	13	occupation	occupation	NOUN
cana-5091	99	14	among	among	ADP
cana-5091	99	15	younger	young	ADJ
cana-5091	99	16	users	user	NOUN
cana-5091	99	17	,	,	PUNCT
cana-5091	99	18	majorities	majority	NOUN
cana-5091	99	19	50.4	50.4	NUM
cana-5091	99	20	%	%	NOUN
cana-5091	99	21	were	be	AUX
cana-5091	99	22	students	student	NOUN
cana-5091	99	23	,	,	PUNCT
cana-5091	99	24	18.0	18.0	NUM
cana-5091	99	25	%	%	NOUN
cana-5091	99	26	were	be	AUX
cana-5091	99	27	government	government	NOUN
cana-5091	99	28	employees	employee	NOUN
cana-5091	99	29	,	,	PUNCT
cana-5091	99	30	13.6	13.6	NUM
cana-5091	99	31	%	%	NOUN
cana-5091	99	32	were	be	AUX
cana-5091	99	33	private	private	ADJ
cana-5091	99	34	employees	employee	NOUN
cana-5091	99	35	,	,	PUNCT
cana-5091	99	36	8.0	8.0	NUM
cana-5091	99	37	%	%	NOUN
cana-5091	99	38	were	be	AUX
cana-5091	99	39	in	in	ADP
cana-5091	99	40	business	business	NOUN
cana-5091	99	41	or	or	CCONJ
cana-5091	99	42	housewives	housewife	NOUN
cana-5091	99	43	,	,	PUNCT
cana-5091	99	44	and	and	CCONJ
cana-5091	99	45	2.0	2.0	NUM
cana-5091	99	46	%	%	NOUN
cana-5091	99	47	users	user	NOUN
cana-5091	99	48	showed	show	VERB
cana-5091	99	49	other	other	ADJ
cana-5091	99	50	occupations	occupation	NOUN
cana-5091	99	51	.	.	PUNCT
cana-5091	100	1	in	in	ADP
cana-5091	100	2	middle	middle	ADJ
cana-5091	100	3	-	-	PUNCT
cana-5091	100	4	aged	aged	ADJ
cana-5091	100	5	users	user	NOUN
cana-5091	100	6	,	,	PUNCT
cana-5091	100	7	33.2	33.2	NUM
cana-5091	100	8	%	%	NOUN
cana-5091	100	9	were	be	AUX
cana-5091	100	10	in	in	ADP
cana-5091	100	11	business	business	NOUN
cana-5091	100	12	,	,	PUNCT
cana-5091	100	13	21.2	21.2	NUM
cana-5091	100	14	%	%	NOUN
cana-5091	100	15	were	be	AUX
cana-5091	100	16	private	private	ADJ
cana-5091	100	17	employees	employee	NOUN
cana-5091	100	18	,	,	PUNCT
cana-5091	100	19	15.2	15.2	NUM
cana-5091	100	20	%	%	NOUN
cana-5091	100	21	were	be	AUX
cana-5091	100	22	government	government	NOUN
cana-5091	100	23	employees	employee	NOUN
cana-5091	100	24	or	or	CCONJ
cana-5091	100	25	housewives	housewife	NOUN
cana-5091	100	26	,	,	PUNCT
cana-5091	100	27	9.6	9.6	NUM
cana-5091	100	28	%	%	NOUN
cana-5091	100	29	were	be	AUX
cana-5091	100	30	students	student	NOUN
cana-5091	100	31	,	,	PUNCT
cana-5091	100	32	and	and	CCONJ
cana-5091	100	33	5.6	5.6	NUM
cana-5091	100	34	%	%	NOUN
cana-5091	100	35	reports	report	VERB
cana-5091	100	36	other	other	ADJ
cana-5091	100	37	occupations	occupation	NOUN
cana-5091	100	38	.	.	PUNCT
cana-5091	101	1	the	the	DET
cana-5091	101	2	chi	chi	ADJ
cana-5091	101	3	-	-	PUNCT
cana-5091	101	4	square	square	ADJ
cana-5091	101	5	value	value	NOUN
cana-5091	101	6	was	be	AUX
cana-5091	101	7	(=	(=	ADV
cana-5091	101	8	122.5	122.5	NUM
cana-5091	101	9	with	with	ADP
cana-5091	101	10	a	a	DET
cana-5091	101	11	p	p	NOUN
cana-5091	101	12	-	-	PUNCT
cana-5091	101	13	value	value	NOUN
cana-5091	101	14	<	<	X
cana-5091	101	15	0.01	0.01	NUM
cana-5091	101	16	)	)	PUNCT
cana-5091	101	17	showed	show	VERB
cana-5091	101	18	a	a	DET
cana-5091	101	19	value	value	NOUN
cana-5091	101	20	that	that	SCONJ
cana-5091	101	21	there	there	PRON
cana-5091	101	22	is	be	VERB
cana-5091	101	23	significant	significant	ADJ
cana-5091	101	24	association	association	NOUN
cana-5091	101	25	between	between	ADP
cana-5091	101	26	distribution	distribution	NOUN
cana-5091	101	27	of	of	ADP
cana-5091	101	28	occupation	occupation	NOUN
cana-5091	101	29	levels	level	NOUN
cana-5091	101	30	and	and	CCONJ
cana-5091	101	31	users	user	NOUN
cana-5091	101	32	.	.	PUNCT
cana-5091	102	1	the	the	DET
cana-5091	102	2	above	above	ADJ
cana-5091	102	3	discussion	discussion	NOUN
cana-5091	102	4	showed	show	VERB
cana-5091	102	5	that	that	SCONJ
cana-5091	102	6	there	there	PRON
cana-5091	102	7	is	be	VERB
cana-5091	102	8	significant	significant	ADJ
cana-5091	102	9	association	association	NOUN
cana-5091	102	10	between	between	ADP
cana-5091	102	11	occupation	occupation	NOUN
cana-5091	102	12	and	and	CCONJ
cana-5091	102	13	age	age	NOUN
cana-5091	102	14	group	group	NOUN
cana-5091	102	15	.	.	PUNCT
cana-5091	103	1	younger	young	ADJ
cana-5091	103	2	users	user	NOUN
cana-5091	103	3	are	be	AUX
cana-5091	103	4	primarily	primarily	ADV
cana-5091	103	5	students	student	NOUN
cana-5091	103	6	,	,	PUNCT
cana-5091	103	7	whereas	whereas	SCONJ
cana-5091	103	8	middle	middle	ADJ
cana-5091	103	9	-	-	PUNCT
cana-5091	103	10	aged	aged	ADJ
cana-5091	103	11	users	user	NOUN
cana-5091	103	12	are	be	AUX
cana-5091	103	13	more	more	ADV
cana-5091	103	14	likely	likely	ADJ
cana-5091	103	15	to	to	PART
cana-5091	103	16	be	be	AUX
cana-5091	103	17	in	in	ADP
cana-5091	103	18	business	business	NOUN
cana-5091	103	19	or	or	CCONJ
cana-5091	103	20	private	private	ADJ
cana-5091	103	21	employment	employment	NOUN
cana-5091	103	22	.	.	PUNCT
cana-5091	104	1	association	association	NOUN
cana-5091	104	2	between	between	ADP
cana-5091	104	3	youngsters	youngster	NOUN
cana-5091	104	4	and	and	CCONJ
cana-5091	104	5	middle	middle	ADJ
cana-5091	104	6	-	-	PUNCT
cana-5091	104	7	aged	aged	ADJ
cana-5091	104	8	users	user	NOUN
cana-5091	104	9	on	on	ADP
cana-5091	104	10	the	the	DET
cana-5091	104	11	basis	basis	NOUN
cana-5091	104	12	of	of	ADP
cana-5091	104	13	income	income	NOUN
cana-5091	104	14	level	level	NOUN
cana-5091	104	15	among	among	ADP
cana-5091	104	16	youngster	youngster	ADJ
cana-5091	104	17	user	user	NOUN
cana-5091	104	18	,	,	PUNCT
cana-5091	104	19	most	most	ADJ
cana-5091	104	20	of	of	ADP
cana-5091	104	21	user	user	NOUN
cana-5091	104	22	were	be	AUX
cana-5091	104	23	student	student	NOUN
cana-5091	104	24	,	,	PUNCT
cana-5091	104	25	majority	majority	NOUN
cana-5091	104	26	36.8	36.8	NUM
cana-5091	104	27	%	%	NOUN
cana-5091	104	28	do	do	AUX
cana-5091	104	29	not	not	PART
cana-5091	104	30	have	have	VERB
cana-5091	104	31	any	any	DET
cana-5091	104	32	income	income	NOUN
cana-5091	104	33	,	,	PUNCT
cana-5091	104	34	23.2	23.2	NUM
cana-5091	104	35	%	%	NOUN
cana-5091	104	36	have	have	VERB
cana-5091	104	37	income	income	NOUN
cana-5091	104	38	between	between	ADP
cana-5091	104	39	rs.25,000	rs.25,000	PROPN
cana-5091	104	40	-40,000	-40,000	PROPN
cana-5091	104	41	,	,	PUNCT
cana-5091	104	42	13.6	13.6	NUM
cana-5091	104	43	%	%	NOUN
cana-5091	104	44	user	user	NOUN
cana-5091	104	45	have	have	VERB
cana-5091	104	46	income	income	NOUN
cana-5091	104	47	rs.40,000	rs.40,000	NOUN
cana-5091	104	48	-	-	PUNCT
cana-5091	104	49	60,000	60,000	NUM
cana-5091	104	50	,	,	PUNCT
cana-5091	104	51	20.4	20.4	NUM
cana-5091	104	52	%	%	NOUN
cana-5091	104	53	user	user	NOUN
cana-5091	104	54	have	have	VERB
cana-5091	104	55	income	income	NOUN
cana-5091	104	56	less	less	ADJ
cana-5091	104	57	that	that	SCONJ
cana-5091	104	58	rs	rs	NOUN
cana-5091	104	59	,	,	PUNCT
cana-5091	104	60	25000	25000	NUM
cana-5091	104	61	and	and	CCONJ
cana-5091	104	62	whereas	whereas	SCONJ
cana-5091	104	63	6	6	NUM
cana-5091	104	64	%	%	NOUN
cana-5091	104	65	user	user	NOUN
cana-5091	104	66	have	have	VERB
cana-5091	104	67	income	income	NOUN
cana-5091	104	68	more	more	ADJ
cana-5091	104	69	than	than	ADP
cana-5091	104	70	rs,65,000	rs,65,000	PROPN
cana-5091	104	71	.	.	PUNCT
cana-5091	105	1	among	among	ADP
cana-5091	105	2	middle	middle	ADJ
cana-5091	105	3	-	-	PUNCT
cana-5091	105	4	aged	aged	ADJ
cana-5091	105	5	user	user	NOUN
cana-5091	105	6	,	,	PUNCT
cana-5091	105	7	majority	majority	NOUN
cana-5091	105	8	29.8	29.8	NUM
cana-5091	105	9	%	%	NOUN
cana-5091	105	10	user	user	NOUN
cana-5091	105	11	have	have	VERB
cana-5091	105	12	income	income	NOUN
cana-5091	105	13	between	between	ADP
cana-5091	105	14	rs.25,000	rs.25,000	PROPN
cana-5091	105	15	-40,000	-40,000	PROPN
cana-5091	105	16	,	,	PUNCT
cana-5091	105	17	19.2	19.2	NUM
cana-5091	105	18	%	%	NOUN
cana-5091	105	19	user	user	NOUN
cana-5091	105	20	have	have	VERB
cana-5091	105	21	income	income	NOUN
cana-5091	105	22	rs.40,000	rs.40,000	NOUN
cana-5091	105	23	-	-	PUNCT
cana-5091	105	24	60,000	60,000	NUM
cana-5091	105	25	,	,	PUNCT
cana-5091	105	26	22	22	NUM
cana-5091	105	27	%	%	NOUN
cana-5091	105	28	user	user	NOUN
cana-5091	105	29	have	have	VERB
cana-5091	105	30	income	income	NOUN
cana-5091	105	31	less	less	ADJ
cana-5091	105	32	that	that	SCONJ
cana-5091	105	33	rs	rs	NOUN
cana-5091	105	34	,	,	PUNCT
cana-5091	105	35	25000	25000	NUM
cana-5091	105	36	,	,	PUNCT
cana-5091	105	37	11.6	11.6	NUM
cana-5091	105	38	%	%	NOUN
cana-5091	105	39	user	user	NOUN
cana-5091	105	40	have	have	AUX
cana-5091	105	41	income	income	NOUN
cana-5091	106	1	more	more	ADJ
cana-5091	106	2	than	than	ADP
cana-5091	106	3	rs,65,000	rs,65,000	NOUN
cana-5091	107	1	and	and	CCONJ
cana-5091	107	2	11,6	11,6	NUM
cana-5091	107	3	user	user	NOUN
cana-5091	107	4	do	do	AUX
cana-5091	107	5	not	not	PART
cana-5091	107	6	income	income	VERB
cana-5091	107	7	.	.	PUNCT
cana-5091	108	1	the	the	DET
cana-5091	108	2	chi	chi	ADJ
cana-5091	108	3	-	-	PUNCT
cana-5091	108	4	square	square	ADJ
cana-5091	108	5	value	value	NOUN
cana-5091	108	6	was	be	AUX
cana-5091	108	7	(=	(=	ADJ
cana-5091	108	8	52.1	52.1	NUM
cana-5091	108	9	,	,	PUNCT
cana-5091	108	10	p	p	NOUN
cana-5091	108	11	-	-	PUNCT
cana-5091	108	12	value	value	NOUN
cana-5091	108	13	<	<	X
cana-5091	108	14	0.01	0.01	NUM
cana-5091	108	15	)	)	PUNCT
cana-5091	108	16	showed	show	VERB
cana-5091	108	17	a	a	DET
cana-5091	108	18	value	value	NOUN
cana-5091	108	19	that	that	SCONJ
cana-5091	108	20	there	there	PRON
cana-5091	108	21	is	be	VERB
cana-5091	108	22	significant	significant	ADJ
cana-5091	108	23	association	association	NOUN
cana-5091	108	24	between	between	ADP
cana-5091	108	25	distribution	distribution	NOUN
cana-5091	108	26	of	of	ADP
cana-5091	108	27	income	income	NOUN
cana-5091	108	28	levels	level	NOUN
cana-5091	108	29	and	and	CCONJ
cana-5091	108	30	users	user	NOUN
cana-5091	108	31	.	.	PUNCT
cana-5091	109	1	from	from	ADP
cana-5091	109	2	above	above	ADP
cana-5091	109	3	discussion	discussion	NOUN
cana-5091	109	4	it	it	PRON
cana-5091	109	5	has	have	AUX
cana-5091	109	6	been	be	AUX
cana-5091	109	7	seen	see	VERB
cana-5091	109	8	that	that	SCONJ
cana-5091	109	9	the	the	DET
cana-5091	109	10	youngsters	youngster	NOUN
cana-5091	109	11	users	user	NOUN
cana-5091	109	12	are	be	AUX
cana-5091	109	13	more	more	ADV
cana-5091	109	14	likely	likely	ADJ
cana-5091	109	15	to	to	PART
cana-5091	109	16	have	have	VERB
cana-5091	109	17	no	no	DET
cana-5091	109	18	income	income	NOUN
cana-5091	109	19	,	,	PUNCT
cana-5091	109	20	may	may	AUX
cana-5091	109	21	be	be	AUX
cana-5091	109	22	most	most	ADJ
cana-5091	109	23	of	of	ADP
cana-5091	109	24	user	user	NOUN
cana-5091	109	25	were	be	AUX
cana-5091	109	26	student	student	NOUN
cana-5091	109	27	,	,	PUNCT
cana-5091	109	28	middle	middle	ADJ
cana-5091	109	29	-	-	PUNCT
cana-5091	109	30	aged	aged	ADJ
cana-5091	109	31	users	user	NOUN
cana-5091	109	32	are	be	AUX
cana-5091	109	33	more	more	ADV
cana-5091	109	34	likely	likely	ADJ
cana-5091	109	35	to	to	PART
cana-5091	109	36	have	have	VERB
cana-5091	109	37	higher	high	ADJ
cana-5091	109	38	incomes	income	NOUN
cana-5091	109	39	,	,	PUNCT
cana-5091	109	40	with	with	ADP
cana-5091	109	41	a	a	DET
cana-5091	109	42	more	more	ADJ
cana-5091	109	43	percentage	percentage	NOUN
cana-5091	109	44	of	of	ADP
cana-5091	109	45	earning	earn	VERB
cana-5091	109	46	above	above	ADP
cana-5091	109	47	40,000	40,000	NUM
cana-5091	109	48	,	,	PUNCT
cana-5091	109	49	especially	especially	ADV
cana-5091	109	50	above	above	ADP
cana-5091	109	51	60,000	60,000	NUM
cana-5091	109	52	.	.	PUNCT
cana-5091	110	1	conclusion	conclusion	NOUN
cana-5091	110	2	this	this	DET
cana-5091	110	3	study	study	NOUN
cana-5091	110	4	highlights	highlight	VERB
cana-5091	110	5	the	the	DET
cana-5091	110	6	growing	grow	VERB
cana-5091	110	7	adoption	adoption	NOUN
cana-5091	110	8	of	of	ADP
cana-5091	110	9	internet	internet	NOUN
cana-5091	110	10	banking	banking	NOUN
cana-5091	110	11	among	among	ADP
cana-5091	110	12	both	both	DET
cana-5091	110	13	youngsters	youngster	NOUN
cana-5091	110	14	and	and	CCONJ
cana-5091	110	15	middleaged	middleaged	ADJ
cana-5091	110	16	individuals	individual	NOUN
cana-5091	110	17	,	,	PUNCT
cana-5091	110	18	driven	drive	VERB
cana-5091	110	19	largely	largely	ADV
cana-5091	110	20	by	by	ADP
cana-5091	110	21	advancements	advancement	NOUN
cana-5091	110	22	in	in	ADP
cana-5091	110	23	digital	digital	ADJ
cana-5091	110	24	technology	technology	NOUN
cana-5091	110	25	and	and	CCONJ
cana-5091	110	26	increasing	increase	VERB
cana-5091	110	27	financial	financial	ADJ
cana-5091	110	28	literacy	literacy	NOUN
cana-5091	110	29	.	.	PUNCT
cana-5091	111	1	the	the	DET
cana-5091	111	2	findings	finding	NOUN
cana-5091	111	3	reveal	reveal	VERB
cana-5091	111	4	that	that	SCONJ
cana-5091	111	5	socio	socio	NOUN
cana-5091	111	6	-	-	PUNCT
cana-5091	111	7	economic	economic	ADJ
cana-5091	111	8	factors	factor	NOUN
cana-5091	111	9	such	such	ADJ
cana-5091	111	10	as	as	ADP
cana-5091	111	11	income	income	NOUN
cana-5091	111	12	level	level	NOUN
cana-5091	111	13	,	,	PUNCT
cana-5091	111	14	educational	educational	ADJ
cana-5091	111	15	background	background	NOUN
cana-5091	111	16	,	,	PUNCT
cana-5091	111	17	and	and	CCONJ
cana-5091	111	18	occupation	occupation	NOUN
cana-5091	111	19	significantly	significantly	ADV
cana-5091	111	20	influence	influence	VERB
cana-5091	111	21	the	the	DET
cana-5091	111	22	usage	usage	NOUN
cana-5091	111	23	of	of	ADP
cana-5091	111	24	internet	internet	NOUN
cana-5091	111	25	banking	banking	NOUN
cana-5091	111	26	.	.	PUNCT
cana-5091	112	1	young	young	ADJ
cana-5091	112	2	people	people	NOUN
cana-5091	112	3	are	be	AUX
cana-5091	112	4	comfortable	comfortable	ADJ
cana-5091	112	5	with	with	ADP
cana-5091	112	6	technology	technology	NOUN
cana-5091	112	7	and	and	CCONJ
cana-5091	112	8	like	like	INTJ
cana-5091	112	9	to	to	PART
cana-5091	112	10	use	use	VERB
cana-5091	112	11	their	their	PRON
cana-5091	112	12	phones	phone	NOUN
cana-5091	112	13	for	for	ADP
cana-5091	112	14	banking	banking	NOUN
cana-5091	112	15	because	because	SCONJ
cana-5091	112	16	it	it	PRON
cana-5091	112	17	's	be	AUX
cana-5091	112	18	easy	easy	ADJ
cana-5091	112	19	and	and	CCONJ
cana-5091	112	20	fast	fast	ADJ
cana-5091	112	21	.	.	PUNCT
cana-5091	113	1	middle	middle	ADJ
cana-5091	113	2	-	-	PUNCT
cana-5091	113	3	aged	aged	ADJ
cana-5091	113	4	people	people	NOUN
cana-5091	113	5	are	be	AUX
cana-5091	113	6	more	more	ADV
cana-5091	113	7	careful	careful	ADJ
cana-5091	113	8	,	,	PUNCT
cana-5091	113	9	but	but	CCONJ
cana-5091	113	10	they	they	PRON
cana-5091	113	11	are	be	AUX
cana-5091	113	12	also	also	ADV
cana-5091	113	13	using	use	VERB
cana-5091	113	14	online	online	ADJ
cana-5091	113	15	banking	banking	NOUN
cana-5091	113	16	more	more	ADJ
cana-5091	113	17	.	.	PUNCT
cana-5091	114	1	they	they	PRON
cana-5091	114	2	like	like	VERB
cana-5091	114	3	it	it	PRON
cana-5091	114	4	because	because	SCONJ
cana-5091	114	5	it	it	PRON
cana-5091	114	6	's	be	AUX
cana-5091	114	7	safe	safe	ADJ
cana-5091	114	8	and	and	CCONJ
cana-5091	114	9	offers	offer	VERB
cana-5091	114	10	many	many	ADJ
cana-5091	114	11	services	service	NOUN
cana-5091	114	12	.	.	PUNCT
cana-5091	115	1	the	the	DET
cana-5091	115	2	study	study	NOUN
cana-5091	115	3	reveals	reveal	VERB
cana-5091	115	4	that	that	SCONJ
cana-5091	115	5	there	there	PRON
cana-5091	115	6	is	be	VERB
cana-5091	115	7	no	no	DET
cana-5091	115	8	difference	difference	NOUN
cana-5091	115	9	in	in	ADP
cana-5091	115	10	the	the	DET
cana-5091	115	11	usage	usage	NOUN
cana-5091	115	12	of	of	ADP
cana-5091	115	13	internet	internet	NOUN
cana-5091	115	14	banking	banking	NOUN
cana-5091	115	15	among	among	ADP
cana-5091	115	16	male	male	ADJ
cana-5091	115	17	and	and	CCONJ
cana-5091	115	18	female	female	NOUN
cana-5091	115	19	.	.	PUNCT
cana-5091	116	1	both	both	PRON
cana-5091	116	2	take	take	VERB
cana-5091	116	3	the	the	DET
cana-5091	116	4	benefits	benefit	NOUN
cana-5091	116	5	of	of	ADP
cana-5091	116	6	internet	internet	NOUN
cana-5091	116	7	banking	banking	NOUN
cana-5091	116	8	services	service	NOUN
cana-5091	116	9	.	.	PUNCT
cana-5091	117	1	the	the	DET
cana-5091	117	2	study	study	NOUN
cana-5091	117	3	also	also	ADV
cana-5091	117	4	underscores	underscore	VERB
cana-5091	117	5	the	the	DET
cana-5091	117	6	role	role	NOUN
cana-5091	117	7	of	of	ADP
cana-5091	117	8	income	income	NOUN
cana-5091	117	9	and	and	CCONJ
cana-5091	117	10	education	education	NOUN
cana-5091	117	11	in	in	ADP
cana-5091	117	12	shaping	shape	VERB
cana-5091	117	13	banking	banking	NOUN
cana-5091	117	14	behavior	behavior	NOUN
cana-5091	117	15	.	.	PUNCT
cana-5091	118	1	higher	high	ADJ
cana-5091	118	2	income	income	NOUN
cana-5091	118	3	groups	group	NOUN
cana-5091	118	4	and	and	CCONJ
cana-5091	118	5	individuals	individual	NOUN
cana-5091	118	6	with	with	ADP
cana-5091	118	7	better	well	ADJ
cana-5091	118	8	educational	educational	ADJ
cana-5091	118	9	qualifications	qualification	NOUN
cana-5091	118	10	are	be	AUX
cana-5091	118	11	more	more	ADV
cana-5091	118	12	inclined	inclined	ADJ
cana-5091	118	13	to	to	PART
cana-5091	118	14	utilize	utilize	VERB
cana-5091	118	15	internet	internet	NOUN
cana-5091	118	16	banking	banking	NOUN
cana-5091	118	17	,	,	PUNCT
cana-5091	118	18	as	as	SCONJ
cana-5091	118	19	they	they	PRON
cana-5091	118	20	have	have	VERB
cana-5091	118	21	greater	great	ADJ
cana-5091	118	22	access	access	NOUN
cana-5091	118	23	to	to	ADP
cana-5091	118	24	technology	technology	NOUN
cana-5091	118	25	and	and	CCONJ
cana-5091	118	26	a	a	DET
cana-5091	118	27	deeper	deep	ADJ
cana-5091	118	28	understanding	understanding	NOUN
cana-5091	118	29	of	of	ADP
cana-5091	118	30	its	its	PRON
cana-5091	118	31	benefits	benefit	NOUN
cana-5091	118	32	.	.	PUNCT
cana-5091	119	1	however	however	ADV
cana-5091	119	2	,	,	PUNCT
cana-5091	119	3	barriers	barrier	NOUN
cana-5091	119	4	such	such	ADJ
cana-5091	119	5	as	as	ADP
cana-5091	119	6	lack	lack	NOUN
cana-5091	119	7	of	of	ADP
cana-5091	119	8	trust	trust	NOUN
cana-5091	119	9	,	,	PUNCT
cana-5091	119	10	concerns	concern	NOUN
cana-5091	119	11	about	about	ADP
cana-5091	119	12	cyber	cyber	NOUN
cana-5091	119	13	security	security	NOUN
cana-5091	119	14	,	,	PUNCT
cana-5091	119	15	and	and	CCONJ
cana-5091	119	16	limited	limited	ADJ
cana-5091	119	17	digital	digital	ADJ
cana-5091	119	18	literacy	literacy	NOUN
cana-5091	119	19	among	among	ADP
cana-5091	119	20	lower	low	ADJ
cana-5091	119	21	-	-	PUNCT
cana-5091	119	22	income	income	NOUN
cana-5091	119	23	groups	group	NOUN
cana-5091	119	24	persist	persist	VERB
cana-5091	119	25	,	,	PUNCT
cana-5091	119	26	indicating	indicate	VERB
cana-5091	119	27	the	the	DET
cana-5091	119	28	need	need	NOUN
cana-5091	119	29	for	for	ADP
cana-5091	119	30	targeted	target	VERB
cana-5091	119	31	awareness	awareness	NOUN
cana-5091	119	32	campaigns	campaign	NOUN
cana-5091	119	33	and	and	CCONJ
cana-5091	119	34	userfriendly	userfriendly	ADV
cana-5091	119	35	platforms	platform	NOUN
cana-5091	119	36	.	.	PUNCT
cana-5091	120	1	overall	overall	ADV
cana-5091	120	2	,	,	PUNCT
cana-5091	120	3	the	the	DET
cana-5091	120	4	research	research	NOUN
cana-5091	120	5	emphasizes	emphasize	VERB
cana-5091	120	6	the	the	DET
cana-5091	120	7	importance	importance	NOUN
cana-5091	120	8	of	of	ADP
cana-5091	120	9	bridging	bridge	VERB
cana-5091	120	10	the	the	DET
cana-5091	120	11	digital	digital	ADJ
cana-5091	120	12	divide	divide	NOUN
cana-5091	120	13	and	and	CCONJ
cana-5091	120	14	communications	communication	NOUN
cana-5091	120	15	on	on	ADP
cana-5091	120	16	applied	apply	VERB
cana-5091	120	17	nonlinear	nonlinear	ADJ
cana-5091	120	18	analysis	analysis	NOUN
cana-5091	120	19	issn	issn	NOUN
cana-5091	120	20	:	:	PUNCT
cana-5091	120	21	1074	1074	NUM
cana-5091	120	22	-	-	PUNCT
cana-5091	120	23	133x	133x	NUM
cana-5091	120	24	vol	vol	NOUN
cana-5091	120	25	32	32	NUM
cana-5091	120	26	no	no	NOUN
cana-5091	120	27	.	.	PUNCT
cana-5091	121	1	icmasd	icmasd	NOUN
cana-5091	121	2	(	(	PUNCT
cana-5091	121	3	2025	2025	NUM
cana-5091	121	4	)	)	PUNCT
cana-5091	121	5	627	627	NUM
cana-5091	121	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	121	7	om	om	NOUN
cana-5091	121	8	tailoring	tailor	VERB
cana-5091	121	9	internet	internet	NOUN
cana-5091	121	10	banking	banking	NOUN
cana-5091	121	11	services	service	NOUN
cana-5091	121	12	to	to	PART
cana-5091	121	13	meet	meet	VERB
cana-5091	121	14	the	the	DET
cana-5091	121	15	diverse	diverse	ADJ
cana-5091	121	16	needs	need	NOUN
cana-5091	121	17	of	of	ADP
cana-5091	121	18	different	different	ADJ
cana-5091	121	19	socio	socio	NOUN
cana-5091	121	20	-	-	PUNCT
cana-5091	121	21	economic	economic	ADJ
cana-5091	121	22	groups	group	NOUN
cana-5091	121	23	,	,	PUNCT
cana-5091	121	24	ensuring	ensure	VERB
cana-5091	121	25	financial	financial	ADJ
cana-5091	121	26	inclusion	inclusion	NOUN
cana-5091	121	27	and	and	CCONJ
cana-5091	121	28	wider	wide	ADJ
cana-5091	121	29	adoption	adoption	NOUN
cana-5091	121	30	in	in	ADP
cana-5091	121	31	the	the	DET
cana-5091	121	32	future	future	NOUN
cana-5091	121	33	.	.	PUNCT
cana-5091	122	1	references	reference	NOUN
cana-5091	122	2	[	[	X
cana-5091	122	3	1	1	NUM
cana-5091	122	4	]	]	X
cana-5091	122	5	ahmad	ahmad	PROPN
cana-5091	122	6	,	,	PUNCT
cana-5091	122	7	m.(2018	m.(2018	PROPN
cana-5091	122	8	)	)	PUNCT
cana-5091	122	9	.	.	PUNCT
cana-5091	123	1	review	review	NOUN
cana-5091	123	2	of	of	ADP
cana-5091	123	3	the	the	DET
cana-5091	123	4	technology	technology	NOUN
cana-5091	123	5	acceptance	acceptance	NOUN
cana-5091	123	6	model	model	NOUN
cana-5091	123	7	(	(	PUNCT
cana-5091	123	8	tam	tam	PROPN
cana-5091	123	9	)	)	PUNCT
cana-5091	123	10	in	in	ADP
cana-5091	123	11	internet	internet	NOUN
cana-5091	123	12	banking	banking	NOUN
cana-5091	123	13	and	and	CCONJ
cana-5091	123	14	mobile	mobile	NOUN
cana-5091	123	15	banking	banking	NOUN
cana-5091	123	16	,	,	PUNCT
cana-5091	123	17	international	international	ADJ
cana-5091	123	18	journal	journal	NOUN
cana-5091	123	19	of	of	ADP
cana-5091	123	20	information	information	NOUN
cana-5091	123	21	communication	communication	NOUN
cana-5091	123	22	technology	technology	NOUN
cana-5091	123	23	and	and	CCONJ
cana-5091	123	24	digital	digital	PROPN
cana-5091	123	25	convergence,3(1),23	convergence,3(1),23	PROPN
cana-5091	123	26	-	-	PUNCT
cana-5091	123	27	41	41	NUM
cana-5091	123	28	.	.	PUNCT
cana-5091	124	1	[	[	X
cana-5091	124	2	2	2	NUM
cana-5091	124	3	]	]	X
cana-5091	124	4	alam	alam	PROPN
cana-5091	124	5	,	,	PUNCT
cana-5091	124	6	s.	s.	PROPN
cana-5091	124	7	s.	s.	PROPN
cana-5091	124	8	bakar	bakar	PROPN
cana-5091	124	9	,	,	PUNCT
cana-5091	124	10	z.	z.	PROPN
cana-5091	124	11	,	,	PUNCT
cana-5091	124	12	ismail	ismail	PROPN
cana-5091	124	13	,	,	PUNCT
cana-5091	124	14	h.	h.	PROPN
cana-5091	124	15	b.	b.	PROPN
cana-5091	124	16	,	,	PUNCT
cana-5091	124	17	ahsan	ahsan	PROPN
cana-5091	124	18	,	,	PUNCT
cana-5091	124	19	n.	n.	NOUN
cana-5091	124	20	,	,	PUNCT
cana-5091	124	21	(	(	PUNCT
cana-5091	124	22	2008).young	2008).young	NUM
cana-5091	124	23	consumers	consumer	NOUN
cana-5091	124	24	online	online	ADJ
cana-5091	124	25	shopping	shopping	NOUN
cana-5091	124	26	:	:	PUNCT
cana-5091	124	27	an	an	DET
cana-5091	124	28	empirical	empirical	ADJ
cana-5091	124	29	study	study	NOUN
cana-5091	124	30	,	,	PUNCT
cana-5091	124	31	journal	journal	NOUN
cana-5091	124	32	of	of	ADP
cana-5091	124	33	internet	internet	NOUN
cana-5091	124	34	business	business	NOUN
cana-5091	124	35	,	,	PUNCT
cana-5091	124	36	5	5	NUM
cana-5091	124	37	,	,	PUNCT
cana-5091	124	38	81	81	NUM
cana-5091	124	39	-	-	SYM
cana-5091	124	40	98	98	NUM
cana-5091	124	41	.	.	PUNCT
cana-5091	125	1	[	[	X
cana-5091	125	2	3	3	NUM
cana-5091	125	3	]	]	X
cana-5091	125	4	almaiah	almaiah	PROPN
cana-5091	125	5	,	,	PUNCT
cana-5091	125	6	m.a	m.a	PROPN
cana-5091	125	7	.	.	PROPN
cana-5091	125	8	,	,	PUNCT
cana-5091	125	9	al	al	PROPN
cana-5091	125	10	-	-	PUNCT
cana-5091	125	11	rahmi	rahmi	PROPN
cana-5091	125	12	,	,	PUNCT
cana-5091	125	13	a.m.	a.m.	ADV
cana-5091	125	14	,	,	PUNCT
cana-5091	125	15	alturise	alturise	PROPN
cana-5091	125	16	,	,	PUNCT
cana-5091	125	17	f.	f.	PROPN
cana-5091	125	18	,	,	PUNCT
cana-5091	125	19	alrawad	alrawad	NOUN
cana-5091	125	20	,	,	PUNCT
cana-5091	125	21	m.	m.	NOUN
cana-5091	125	22	salem	salem	PROPN
cana-5091	125	23	alkhalaf	alkhalaf	PROPN
cana-5091	125	24	,	,	PUNCT
cana-5091	125	25	s.	s.	PROPN
cana-5091	125	26	,	,	PUNCT
cana-5091	125	27	lutfi	lutfi	PROPN
cana-5091	125	28	,	,	PUNCT
cana-5091	125	29	a.	a.	NOUN
cana-5091	125	30	alrahmi	alrahmi	PROPN
cana-5091	125	31	,	,	PUNCT
cana-5091	125	32	w.m	w.m	PROPN
cana-5091	125	33	.	.	PROPN
cana-5091	125	34	and	and	CCONJ
cana-5091	125	35	awad	awad	PROPN
cana-5091	125	36	,	,	PUNCT
cana-5091	125	37	a.b	a.b	PROPN
cana-5091	125	38	.	.	PROPN
cana-5091	125	39	(	(	PUNCT
cana-5091	125	40	2022	2022	NUM
cana-5091	125	41	)	)	PUNCT
cana-5091	125	42	.	.	PUNCT
cana-5091	126	1	factors	factor	NOUN
cana-5091	126	2	influencing	influence	VERB
cana-5091	126	3	the	the	DET
cana-5091	126	4	adoption	adoption	NOUN
cana-5091	126	5	of	of	ADP
cana-5091	126	6	internet	internet	NOUN
cana-5091	126	7	banking	banking	NOUN
cana-5091	126	8	:	:	PUNCT
cana-5091	126	9	an	an	DET
cana-5091	126	10	integration	integration	NOUN
cana-5091	126	11	of	of	ADP
cana-5091	126	12	issm	issm	NOUN
cana-5091	126	13	and	and	CCONJ
cana-5091	126	14	utaut	utaut	NOUN
cana-5091	126	15	with	with	ADP
cana-5091	126	16	price	price	NOUN
cana-5091	126	17	value	value	NOUN
cana-5091	126	18	and	and	CCONJ
cana-5091	126	19	perceived	perceive	VERB
cana-5091	126	20	risk	risk	NOUN
cana-5091	126	21	,	,	PUNCT
cana-5091	126	22	frontiers	frontier	NOUN
cana-5091	126	23	in	in	ADP
cana-5091	126	24	psychology,13	psychology,13	NOUN
cana-5091	126	25	,	,	PUNCT
cana-5091	126	26	1	1	NUM
cana-5091	126	27	-	-	SYM
cana-5091	126	28	19	19	NUM
cana-5091	126	29	.	.	PUNCT
cana-5091	127	1	[	[	X
cana-5091	127	2	4	4	NUM
cana-5091	127	3	]	]	X
cana-5091	127	4	asif	asif	NOUN
cana-5091	127	5	,	,	PUNCT
cana-5091	127	6	s.	s.	PROPN
cana-5091	127	7	(	(	PUNCT
cana-5091	127	8	2021	2021	NUM
cana-5091	127	9	)	)	PUNCT
cana-5091	127	10	.	.	PUNCT
cana-5091	128	1	study	study	NOUN
cana-5091	128	2	of	of	ADP
cana-5091	128	3	internet	internet	NOUN
cana-5091	128	4	banking	banking	NOUN
cana-5091	128	5	usage	usage	NOUN
cana-5091	128	6	:	:	PUNCT
cana-5091	128	7	elderly	elderly	ADJ
cana-5091	128	8	vs	vs	ADP
cana-5091	128	9	youth	youth	NOUN
cana-5091	128	10	,	,	PUNCT
cana-5091	128	11	ilkogretim	ilkogretim	ADJ
cana-5091	128	12	online	online	PROPN
cana-5091	128	13	elementary	elementary	PROPN
cana-5091	128	14	education	education	PROPN
cana-5091	128	15	online,20(6	online,20(6	PROPN
cana-5091	128	16	)	)	PUNCT
cana-5091	128	17	,	,	PUNCT
cana-5091	128	18	3086	3086	NUM
cana-5091	128	19	-	-	SYM
cana-5091	128	20	3101	3101	NUM
cana-5091	128	21	.	.	PUNCT
cana-5091	129	1	[	[	X
cana-5091	129	2	5	5	NUM
cana-5091	129	3	]	]	X
cana-5091	129	4	balakrishnan	balakrishnan	NOUN
cana-5091	129	5	and	and	CCONJ
cana-5091	129	6	bharthvajan	bharthvajan	NOUN
cana-5091	129	7	r.(2020	r.(2020	NOUN
cana-5091	129	8	)	)	PUNCT
cana-5091	129	9	.	.	PUNCT
cana-5091	130	1	the	the	DET
cana-5091	130	2	impact	impact	NOUN
cana-5091	130	3	of	of	ADP
cana-5091	130	4	e	e	NOUN
cana-5091	130	5	-	-	NOUN
cana-5091	130	6	banking	banking	ADJ
cana-5091	130	7	services	service	NOUN
cana-5091	130	8	in	in	ADP
cana-5091	130	9	india	india	PROPN
cana-5091	130	10	,	,	PUNCT
cana-5091	130	11	malaya	malaya	PROPN
cana-5091	130	12	journal	journal	PROPN
cana-5091	130	13	of	of	ADP
cana-5091	130	14	matematik	matematik	PROPN
cana-5091	130	15	,	,	PUNCT
cana-5091	130	16	2	2	NUM
cana-5091	130	17	,	,	PUNCT
cana-5091	130	18	3286	3286	NUM
cana-5091	130	19	-	-	SYM
cana-5091	130	20	3288	3288	NUM
cana-5091	130	21	[	[	X
cana-5091	130	22	6	6	NUM
cana-5091	130	23	]	]	PUNCT
cana-5091	130	24	dollinger	dollinger	NOUN
cana-5091	130	25	,	,	PUNCT
cana-5091	130	26	s.j	s.j	PROPN
cana-5091	130	27	.	.	PROPN
cana-5091	130	28	and	and	CCONJ
cana-5091	130	29	dollinge	dollinge	PROPN
cana-5091	130	30	,	,	PUNCT
cana-5091	130	31	s.m.c.(2003	s.m.c.(2003	PROPN
cana-5091	130	32	)	)	PUNCT
cana-5091	130	33	individuality	individuality	NOUN
cana-5091	130	34	in	in	ADP
cana-5091	130	35	young	young	ADJ
cana-5091	130	36	and	and	CCONJ
cana-5091	130	37	middle	middle	ADJ
cana-5091	130	38	adulthood	adulthood	NOUN
cana-5091	130	39	:	:	PUNCT
cana-5091	130	40	an	an	DET
cana-5091	130	41	autophotographic	autophotographic	ADJ
cana-5091	130	42	study	study	NOUN
cana-5091	130	43	,	,	PUNCT
cana-5091	130	44	journal	journal	NOUN
cana-5091	130	45	of	of	ADP
cana-5091	130	46	adult	adult	NOUN
cana-5091	130	47	development	development	NOUN
cana-5091	130	48	,	,	PUNCT
cana-5091	130	49	vol	vol	NOUN
cana-5091	130	50	.	.	PROPN
cana-5091	130	51	10	10	NUM
cana-5091	130	52	,	,	PUNCT
cana-5091	130	53	no	no	INTJ
cana-5091	130	54	.	.	NOUN
cana-5091	130	55	4	4	NUM
cana-5091	130	56	,	,	PUNCT
cana-5091	130	57	227	227	NUM
cana-5091	130	58	-	-	SYM
cana-5091	130	59	236	236	NUM
cana-5091	130	60	.	.	PUNCT
cana-5091	131	1	[	[	X
cana-5091	131	2	7	7	NUM
cana-5091	131	3	]	]	X
cana-5091	131	4	funmilola	funmilola	NOUN
cana-5091	131	5	,	,	PUNCT
cana-5091	131	6	o.	o.	PROPN
cana-5091	131	7	o.	o.	PROPN
cana-5091	131	8	&	&	CCONJ
cana-5091	131	9	tolulope	tolulope	PROPN
cana-5091	131	10	a.	a.	PROPN
cana-5091	131	11	a.	a.	PROPN
cana-5091	131	12	,(2020	,(2020	PUNCT
cana-5091	131	13	)	)	PUNCT
cana-5091	131	14	.	.	PUNCT
cana-5091	132	1	digital	digital	ADJ
cana-5091	132	2	inclusion	inclusion	NOUN
cana-5091	132	3	and	and	CCONJ
cana-5091	132	4	the	the	DET
cana-5091	132	5	elderly	elderly	ADJ
cana-5091	132	6	:	:	PUNCT
cana-5091	132	7	the	the	DET
cana-5091	132	8	case	case	NOUN
cana-5091	132	9	of	of	ADP
cana-5091	132	10	internet	internet	NOUN
cana-5091	132	11	banking	banking	NOUN
cana-5091	132	12	use	use	NOUN
cana-5091	132	13	and	and	CCONJ
cana-5091	132	14	non	non	ADJ
cana-5091	132	15	-	-	NOUN
cana-5091	132	16	use	use	NOUN
cana-5091	132	17	among	among	ADP
cana-5091	132	18	older	old	ADJ
cana-5091	132	19	adults	adult	NOUN
cana-5091	132	20	in	in	ADP
cana-5091	132	21	ekiti	ekiti	PROPN
cana-5091	132	22	state	state	PROPN
cana-5091	132	23	,	,	PUNCT
cana-5091	132	24	nigeria	nigeria	PROPN
cana-5091	132	25	,	,	PUNCT
cana-5091	132	26	covenant	covenant	ADJ
cana-5091	132	27	journal	journal	PROPN
cana-5091	132	28	of	of	ADP
cana-5091	132	29	business	business	PROPN
cana-5091	132	30	&	&	CCONJ
cana-5091	132	31	social	social	PROPN
cana-5091	132	32	sciences	sciences	PROPN
cana-5091	132	33	(	(	PUNCT
cana-5091	132	34	cjbss	cjbss	NOUN
cana-5091	132	35	)	)	PUNCT
cana-5091	132	36	,	,	PUNCT
cana-5091	132	37	11(1	11(1	NUM
cana-5091	132	38	)	)	PUNCT
cana-5091	132	39	20	20	NUM
cana-5091	132	40	-	-	SYM
cana-5091	132	41	47	47	NUM
cana-5091	132	42	.	.	PUNCT
cana-5091	133	1	[	[	X
cana-5091	133	2	8	8	NUM
cana-5091	133	3	]	]	X
cana-5091	133	4	kaur	kaur	NOUN
cana-5091	133	5	,	,	PUNCT
cana-5091	133	6	n.	n.	PROPN
cana-5091	133	7	,	,	PUNCT
cana-5091	133	8	pathak	pathak	PROPN
cana-5091	133	9	,	,	PUNCT
cana-5091	133	10	a.	a.	PROPN
cana-5091	133	11	,	,	PUNCT
cana-5091	133	12	kaur	kaur	PROPN
cana-5091	133	13	,	,	PUNCT
cana-5091	133	14	p.(2015	p.(2015	PROPN
cana-5091	133	15	)	)	PUNCT
cana-5091	133	16	.	.	PUNCT
cana-5091	134	1	online	online	ADJ
cana-5091	134	2	banking	banking	NOUN
cana-5091	134	3	on	on	ADP
cana-5091	134	4	e	e	NOUN
cana-5091	134	5	-	-	NOUN
cana-5091	134	6	commerce	commerce	NOUN
cana-5091	134	7	in	in	ADP
cana-5091	134	8	india	india	PROPN
cana-5091	134	9	,	,	PUNCT
cana-5091	134	10	international	international	ADJ
cana-5091	134	11	journal	journal	NOUN
cana-5091	134	12	of	of	ADP
cana-5091	134	13	engineering	engineering	NOUN
cana-5091	134	14	research	research	NOUN
cana-5091	134	15	and	and	CCONJ
cana-5091	134	16	applications,5(4	applications,5(4	NOUN
cana-5091	134	17	)	)	PUNCT
cana-5091	134	18	,	,	PUNCT
cana-5091	134	19	39	39	NUM
cana-5091	134	20	-	-	SYM
cana-5091	134	21	49	49	NUM
cana-5091	134	22	.	.	PUNCT
cana-5091	135	1	[	[	X
cana-5091	135	2	9	9	NUM
cana-5091	135	3	]	]	X
cana-5091	135	4	khan	khan	PROPN
cana-5091	135	5	,	,	PUNCT
cana-5091	135	6	m.	m.	NOUN
cana-5091	135	7	s.	s.	PROPN
cana-5091	135	8	,	,	PUNCT
cana-5091	135	9	mahapatra	mahapatra	PROPN
cana-5091	135	10	,	,	PUNCT
cana-5091	135	11	s.	s.	PROPN
cana-5091	135	12	s.	s.	PROPN
cana-5091	135	13	and	and	CCONJ
cana-5091	135	14	sreekumar	sreekumar	PROPN
cana-5091	135	15	,	,	PUNCT
cana-5091	135	16	n.	n.	NOUN
cana-5091	135	17	(	(	PUNCT
cana-5091	135	18	2009	2009	NUM
cana-5091	135	19	)	)	PUNCT
cana-5091	135	20	.	.	PUNCT
cana-5091	135	21	service	service	NOUN
cana-5091	135	22	quality	quality	NOUN
cana-5091	135	23	evaluation	evaluation	NOUN
cana-5091	135	24	in	in	ADP
cana-5091	135	25	internet	internet	NOUN
cana-5091	135	26	banking	banking	NOUN
cana-5091	135	27	:	:	PUNCT
cana-5091	135	28	an	an	DET
cana-5091	135	29	empirical	empirical	ADJ
cana-5091	135	30	study	study	NOUN
cana-5091	135	31	in	in	ADP
cana-5091	135	32	india	india	PROPN
cana-5091	135	33	,	,	PUNCT
cana-5091	135	34	international	international	PROPN
cana-5091	135	35	journal	journal	PROPN
cana-5091	135	36	indian	indian	PROPN
cana-5091	135	37	culture	culture	NOUN
cana-5091	135	38	and	and	CCONJ
cana-5091	135	39	business	business	NOUN
cana-5091	135	40	management,2(1	management,2(1	PROPN
cana-5091	135	41	)	)	PUNCT
cana-5091	135	42	,	,	PUNCT
cana-5091	135	43	30	30	NUM
cana-5091	135	44	-	-	SYM
cana-5091	135	45	46	46	NUM
cana-5091	135	46	.	.	PUNCT
cana-5091	136	1	[	[	X
cana-5091	136	2	10	10	NUM
cana-5091	136	3	]	]	X
cana-5091	136	4	lee	lee	PROPN
cana-5091	136	5	e.	e.	PROPN
cana-5091	136	6	j.	j.	PROPN
cana-5091	136	7	,	,	PUNCT
cana-5091	136	8	kwon	kwon	PROPN
cana-5091	136	9	k.	k.	PROPN
cana-5091	136	10	n	n	CCONJ
cana-5091	136	11	,	,	PUNCT
cana-5091	136	12	and	and	CCONJ
cana-5091	136	13	schumann	schumann	PROPN
cana-5091	136	14	,	,	PUNCT
cana-5091	136	15	d.w	d.w	PROPN
cana-5091	136	16	.	.	PUNCT
cana-5091	137	1	(	(	PUNCT
cana-5091	137	2	2005	2005	NUM
cana-5091	137	3	)	)	PUNCT
cana-5091	137	4	segmenting	segment	VERB
cana-5091	137	5	the	the	DET
cana-5091	137	6	non	non	ADJ
cana-5091	137	7	-	-	ADJ
cana-5091	137	8	adopter	adopter	ADJ
cana-5091	137	9	category	category	NOUN
cana-5091	137	10	in	in	ADP
cana-5091	137	11	the	the	DET
cana-5091	137	12	diffusion	diffusion	NOUN
cana-5091	137	13	of	of	ADP
cana-5091	137	14	internet	internet	NOUN
cana-5091	137	15	banking	banking	NOUN
cana-5091	137	16	,	,	PUNCT
cana-5091	137	17	international	international	ADJ
cana-5091	137	18	journal	journal	NOUN
cana-5091	137	19	of	of	ADP
cana-5091	137	20	bank	bank	PROPN
cana-5091	137	21	marketing	marketing	NOUN
cana-5091	137	22	,	,	PUNCT
cana-5091	137	23	23(5):414	23(5):414	NUM
cana-5091	137	24	-	-	SYM
cana-5091	137	25	437	437	NUM
cana-5091	137	26	.	.	PUNCT
cana-5091	138	1	[	[	X
cana-5091	138	2	11	11	NUM
cana-5091	138	3	]	]	PUNCT
cana-5091	138	4	pfeil	pfeil	NOUN
cana-5091	138	5	,	,	PUNCT
cana-5091	138	6	u.	u.	PROPN
cana-5091	138	7	,	,	PUNCT
cana-5091	138	8	arjan	arjan	PROPN
cana-5091	138	9	,	,	PUNCT
cana-5091	138	10	r.	r.	PROPN
cana-5091	138	11	,zaphiris	,zaphiris	PROPN
cana-5091	138	12	,	,	PUNCT
cana-5091	138	13	p.	p.	PROPN
cana-5091	138	14	,(2009).age	,(2009).age	PUNCT
cana-5091	138	15	differences	difference	NOUN
cana-5091	138	16	in	in	ADP
cana-5091	138	17	online	online	ADJ
cana-5091	138	18	social	social	ADJ
cana-5091	138	19	networking	networking	NOUN
cana-5091	138	20	–	–	PUNCT
cana-5091	138	21	a	a	DET
cana-5091	138	22	study	study	NOUN
cana-5091	138	23	of	of	ADP
cana-5091	138	24	user	user	NOUN
cana-5091	138	25	profiles	profile	NOUN
cana-5091	138	26	and	and	CCONJ
cana-5091	138	27	the	the	DET
cana-5091	138	28	social	social	ADJ
cana-5091	138	29	capital	capital	NOUN
cana-5091	138	30	divide	divide	NOUN
cana-5091	138	31	among	among	ADP
cana-5091	138	32	teenagers	teenager	NOUN
cana-5091	138	33	and	and	CCONJ
cana-5091	138	34	older	old	ADJ
cana-5091	138	35	users	user	NOUN
cana-5091	138	36	in	in	ADP
cana-5091	138	37	myspace	myspace	PROPN
cana-5091	138	38	,	,	PUNCT
cana-5091	138	39	elsevier,25(3),643	elsevier,25(3),643	NOUN
cana-5091	138	40	-	-	PUNCT
cana-5091	138	41	654	654	NUM
cana-5091	138	42	.	.	PUNCT
cana-5091	139	1	[	[	X
cana-5091	139	2	12	12	NUM
cana-5091	139	3	]	]	X
cana-5091	139	4	rammaiya	rammaiya	NOUN
cana-5091	139	5	,	,	PUNCT
cana-5091	139	6	v.	v.	PROPN
cana-5091	139	7	and	and	CCONJ
cana-5091	139	8	prakash	prakash	PROPN
cana-5091	139	9	,	,	PUNCT
cana-5091	139	10	g.(2019	g.(2019	PROPN
cana-5091	139	11	)	)	PUNCT
cana-5091	139	12	.	.	PUNCT
cana-5091	140	1	kap	kap	NOUN
cana-5091	140	2	study	study	NOUN
cana-5091	140	3	of	of	ADP
cana-5091	140	4	e	e	NOUN
cana-5091	140	5	-	-	NOUN
cana-5091	140	6	banking	banking	NOUN
cana-5091	140	7	in	in	ADP
cana-5091	140	8	indore	indore	NOUN
cana-5091	140	9	,	,	PUNCT
cana-5091	140	10	amity	amity	NOUN
cana-5091	140	11	journal	journal	NOUN
cana-5091	140	12	of	of	ADP
cana-5091	140	13	management	management	NOUN
cana-5091	140	14	amity	amity	NOUN
cana-5091	140	15	business	business	NOUN
cana-5091	140	16	school	school	NOUN
cana-5091	140	17	,	,	PUNCT
cana-5091	140	18	7(1	7(1	NUM
cana-5091	140	19	)	)	PUNCT
cana-5091	140	20	,	,	PUNCT
cana-5091	140	21	13	13	NUM
cana-5091	140	22	-	-	SYM
cana-5091	140	23	21	21	NUM
cana-5091	140	24	.	.	PUNCT
cana-5091	141	1	[	[	X
cana-5091	141	2	13	13	NUM
cana-5091	141	3	]	]	SYM
cana-5091	141	4	raza	raza	PROPN
cana-5091	141	5	,	,	PUNCT
cana-5091	141	6	s.	s.	PROPN
cana-5091	141	7	a.	a.	PROPN
cana-5091	141	8	,	,	PUNCT
cana-5091	141	9	jawaid	jawaid	PROPN
cana-5091	141	10	,	,	PUNCT
cana-5091	141	11	s.	s.	PROPN
cana-5091	141	12	t.	t.	PROPN
cana-5091	141	13	,	,	PUNCT
cana-5091	141	14	&	&	CCONJ
cana-5091	141	15	hassan	hassan	PROPN
cana-5091	141	16	,	,	PUNCT
cana-5091	141	17	a.	a.	PROPN
cana-5091	141	18	(	(	PUNCT
cana-5091	141	19	2015	2015	NUM
cana-5091	141	20	)	)	PUNCT
cana-5091	141	21	.	.	PUNCT
cana-5091	142	1	internet	internet	NOUN
cana-5091	142	2	banking	banking	NOUN
cana-5091	142	3	and	and	CCONJ
cana-5091	142	4	customer	customer	NOUN
cana-5091	142	5	satisfaction	satisfaction	NOUN
cana-5091	142	6	in	in	ADP
cana-5091	142	7	pakistan	pakistan	PROPN
cana-5091	142	8	.	.	PUNCT
cana-5091	143	1	qualitative	qualitative	ADJ
cana-5091	143	2	research	research	NOUN
cana-5091	143	3	in	in	ADP
cana-5091	143	4	financial	financial	ADJ
cana-5091	143	5	markets	market	NOUN
cana-5091	143	6	,	,	PUNCT
cana-5091	143	7	7(1	7(1	NUM
cana-5091	143	8	)	)	PUNCT
cana-5091	143	9	,	,	PUNCT
cana-5091	143	10	24–36	24–36	NUM
cana-5091	143	11	.	.	PUNCT
cana-5091	144	1	[	[	X
cana-5091	144	2	14	14	NUM
cana-5091	144	3	]	]	X
cana-5091	144	4	tasmin	tasmin	X
cana-5091	144	5	.	.	PUNCT
cana-5091	145	1	r	r	NOUN
cana-5091	145	2	,	,	PUNCT
cana-5091	145	3	aliyu	aliyu	NOUN
cana-5091	145	4	,	,	PUNCT
cana-5091	145	5	a.	a.	NOUN
cana-5091	145	6	a.	a.	PROPN
cana-5091	145	7	and	and	CCONJ
cana-5091	145	8	takala	takala	PROPN
cana-5091	145	9	,	,	PUNCT
cana-5091	145	10	j.	j.	PROPN
cana-5091	145	11	(	(	PUNCT
cana-5091	145	12	2012	2012	NUM
cana-5091	145	13	)	)	PUNCT
cana-5091	145	14	a	a	DET
cana-5091	145	15	review	review	NOUN
cana-5091	145	16	of	of	ADP
cana-5091	145	17	the	the	DET
cana-5091	145	18	influence	influence	NOUN
cana-5091	145	19	of	of	ADP
cana-5091	145	20	electronic	electronic	ADJ
cana-5091	145	21	banking	banking	NOUN
cana-5091	145	22	services	service	NOUN
cana-5091	145	23	on	on	ADP
cana-5091	145	24	customer	customer	NOUN
cana-5091	145	25	service	service	NOUN
cana-5091	145	26	delivery	delivery	NOUN
cana-5091	145	27	:	:	PUNCT
cana-5091	145	28	successes	success	NOUN
cana-5091	145	29	and	and	CCONJ
cana-5091	145	30	challenges	challenge	NOUN
cana-5091	145	31	,	,	PUNCT
cana-5091	145	32	australian	australian	ADJ
cana-5091	145	33	journal	journal	NOUN
cana-5091	145	34	of	of	ADP
cana-5091	145	35	basic	basic	ADJ
cana-5091	145	36	and	and	CCONJ
cana-5091	145	37	applied	apply	VERB
cana-5091	145	38	sciences	science	NOUN
cana-5091	145	39	6(13	6(13	NUM
cana-5091	145	40	):	):	PUNCT
cana-5091	145	41	80	80	NUM
cana-5091	145	42	-	-	SYM
cana-5091	145	43	85	85	NUM
cana-5091	145	44	.	.	PUNCT
cana-5091	146	1	[	[	X
cana-5091	146	2	15	15	NUM
cana-5091	146	3	]	]	X
cana-5091	146	4	suh	suh	PROPN
cana-5091	146	5	,	,	PUNCT
cana-5091	146	6	b.	b.	PROPN
cana-5091	146	7	and	and	CCONJ
cana-5091	146	8	han	han	PROPN
cana-5091	146	9	,	,	PUNCT
cana-5091	146	10	i.	i.	PROPN
cana-5091	146	11	,	,	PUNCT
cana-5091	146	12	(	(	PUNCT
cana-5091	146	13	2002).effect	2002).effect	NUM
cana-5091	146	14	of	of	ADP
cana-5091	146	15	trust	trust	NOUN
cana-5091	146	16	on	on	ADP
cana-5091	146	17	customer	customer	NOUN
cana-5091	146	18	acceptance	acceptance	NOUN
cana-5091	146	19	of	of	ADP
cana-5091	146	20	internet	internet	NOUN
cana-5091	146	21	banking	banking	NOUN
cana-5091	146	22	,	,	PUNCT
cana-5091	146	23	electronic	electronic	ADJ
cana-5091	146	24	commerce	commerce	NOUN
cana-5091	146	25	research	research	NOUN
cana-5091	146	26	and	and	CCONJ
cana-5091	146	27	application,1(3),247	application,1(3),247	PROPN
cana-5091	146	28	-	-	PROPN
cana-5091	146	29	263	263	NUM
cana-5091	146	30	.	.	PUNCT
cana-5091	147	1	https://www.researchgate.net/profile/eun-ju-lee-4?_tp=eyjjb250zxh0ijp7imzpcnn0ugfnzsi6inb1ymxpy2f0aw9uiiwicgfnzsi6inb1ymxpy2f0aw9uin19	https://www.researchgate.net/profile/eun-ju-lee-4?_tp=eyjjb250zxh0ijp7imzpcnn0ugfnzsi6inb1ymxpy2f0aw9uiiwicgfnzsi6inb1ymxpy2f0aw9uin19	X
cana-5091	147	2	https://www.researchgate.net/scientific-contributions/kyoung-nan-kwon-2196461451	https://www.researchgate.net/scientific-contributions/kyoung-nan-kwon-2196461451	ADJ
cana-5091	147	3	https://www.researchgate.net/profile/david-schumann-2	https://www.researchgate.net/profile/david-schumann-2	ADV
cana-5091	147	4	https://www.researchgate.net/journal/international-journal-of-bank-marketing-0265-2323	https://www.researchgate.net/journal/international-journal-of-bank-marketing-0265-2323	ADJ
cana-5091	147	5	communications	communication	NOUN
cana-5091	147	6	on	on	ADP
cana-5091	147	7	applied	apply	VERB
cana-5091	147	8	nonlinear	nonlinear	ADJ
cana-5091	147	9	analysis	analysis	NOUN
cana-5091	147	10	issn	issn	NOUN
cana-5091	147	11	:	:	PUNCT
cana-5091	147	12	1074	1074	NUM
cana-5091	147	13	-	-	PUNCT
cana-5091	147	14	133x	133x	NUM
cana-5091	147	15	vol	vol	NOUN
cana-5091	147	16	32	32	NUM
cana-5091	147	17	no	no	NOUN
cana-5091	147	18	.	.	PUNCT
cana-5091	148	1	icmasd	icmasd	NOUN
cana-5091	148	2	(	(	PUNCT
cana-5091	148	3	2025	2025	NUM
cana-5091	148	4	)	)	PUNCT
cana-5091	148	5	628	628	NUM
cana-5091	148	6	https://internationalpubls.c	https://internationalpubls.c	ADV
cana-5091	148	7	om	om	PROPN