id	sid	tid	token	lemma	pos
cana-5120	1	1	communications	communication	NOUN
cana-5120	1	2	on	on	ADP
cana-5120	1	3	applied	apply	VERB
cana-5120	1	4	nonlinear	nonlinear	ADJ
cana-5120	1	5	analysis	analysis	NOUN
cana-5120	1	6	issn	issn	NOUN
cana-5120	1	7	:	:	PUNCT
cana-5120	1	8	1074	1074	NUM
cana-5120	1	9	-	-	PUNCT
cana-5120	1	10	133x	133x	NUM
cana-5120	1	11	vol	vol	NOUN
cana-5120	1	12	32	32	NUM
cana-5120	1	13	no	no	NOUN
cana-5120	1	14	.	.	PUNCT
cana-5120	2	1	icmasd	icmasd	NOUN
cana-5120	2	2	(	(	PUNCT
cana-5120	2	3	2025	2025	NUM
cana-5120	2	4	)	)	PUNCT
cana-5120	2	5	939	939	NUM
cana-5120	2	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	2	7	an	an	DET
cana-5120	2	8	evaluative	evaluative	ADJ
cana-5120	2	9	study	study	NOUN
cana-5120	2	10	on	on	ADP
cana-5120	2	11	internet	internet	NOUN
cana-5120	2	12	banking	banking	NOUN
cana-5120	2	13	usage	usage	NOUN
cana-5120	2	14	among	among	ADP
cana-5120	2	15	middle	middle	ADJ
cana-5120	2	16	age	age	NOUN
cana-5120	2	17	and	and	CCONJ
cana-5120	2	18	youngsters	youngster	NOUN
cana-5120	2	19	ms	ms	PROPN
cana-5120	2	20	.	.	PROPN
cana-5120	2	21	karmjeet	karmjeet	PROPN
cana-5120	2	22	kaur1	kaur1	PROPN
cana-5120	2	23	,	,	PUNCT
cana-5120	2	24	dr	dr	PROPN
cana-5120	2	25	.	.	PROPN
cana-5120	2	26	sahil	sahil	PROPN
cana-5120	2	27	bhalla2	bhalla2	PROPN
cana-5120	3	1	1a	1a	PROPN
cana-5120	3	2	research	research	PROPN
cana-5120	3	3	scholar	scholar	NOUN
cana-5120	3	4	(	(	PUNCT
cana-5120	3	5	commerce	commerce	NOUN
cana-5120	3	6	)	)	PUNCT
cana-5120	3	7	ct	ct	PROPN
cana-5120	3	8	university	university	PROPN
cana-5120	3	9	,	,	PUNCT
cana-5120	3	10	ludhiana	ludhiana	PROPN
cana-5120	3	11	,	,	PUNCT
cana-5120	3	12	india	india	PROPN
cana-5120	3	13	e	e	PROPN
cana-5120	3	14	-	-	NOUN
cana-5120	3	15	mail	mail	NOUN
cana-5120	3	16	:	:	PUNCT
cana-5120	4	1	karamjitkaurrakhra@gmail.com	karamjitkaurrakhra@gmail.com	X
cana-5120	4	2	2assistant	2assistant	NUM
cana-5120	4	3	professor	professor	NOUN
cana-5120	4	4	ct	ct	PROPN
cana-5120	4	5	university	university	PROPN
cana-5120	4	6	,	,	PUNCT
cana-5120	4	7	ludhiana	ludhiana	PROPN
cana-5120	4	8	,	,	PUNCT
cana-5120	4	9	india	india	PROPN
cana-5120	4	10	e	e	PROPN
cana-5120	4	11	-	-	NOUN
cana-5120	4	12	mail	mail	NOUN
cana-5120	4	13	:	:	PUNCT
cana-5120	4	14	drsahil24158@ctuniversity.in@gmail.com	drsahil24158@ctuniversity.in@gmail.com	X
cana-5120	4	15	article	article	NOUN
cana-5120	4	16	history	history	NOUN
cana-5120	4	17	:	:	PUNCT
cana-5120	4	18	received	receive	VERB
cana-5120	4	19	:	:	PUNCT
cana-5120	4	20	12	12	NUM
cana-5120	4	21	-	-	SYM
cana-5120	4	22	12	12	NUM
cana-5120	4	23	-	-	PUNCT
cana-5120	4	24	2024	2024	NUM
cana-5120	4	25	revised	revise	VERB
cana-5120	4	26	:	:	PUNCT
cana-5120	4	27	25	25	NUM
cana-5120	4	28	-	-	PUNCT
cana-5120	4	29	01	01	NUM
cana-5120	4	30	-	-	PUNCT
cana-5120	4	31	2025	2025	NUM
cana-5120	4	32	accepted	accept	VERB
cana-5120	4	33	:	:	PUNCT
cana-5120	4	34	05	05	NUM
cana-5120	4	35	-	-	PUNCT
cana-5120	4	36	02	02	NUM
cana-5120	4	37	-	-	PUNCT
cana-5120	4	38	2025	2025	NUM
cana-5120	4	39	abstract	abstract	NOUN
cana-5120	4	40	:	:	PUNCT
cana-5120	4	41	today	today	NOUN
cana-5120	4	42	’s	’s	PART
cana-5120	4	43	era	era	NOUN
cana-5120	4	44	is	be	AUX
cana-5120	4	45	of	of	ADP
cana-5120	4	46	technology	technology	NOUN
cana-5120	4	47	.	.	PUNCT
cana-5120	5	1	technology	technology	NOUN
cana-5120	5	2	,	,	PUNCT
cana-5120	5	3	especially	especially	ADV
cana-5120	5	4	the	the	DET
cana-5120	5	5	internet	internet	NOUN
cana-5120	5	6	,	,	PUNCT
cana-5120	5	7	has	have	AUX
cana-5120	5	8	changed	change	VERB
cana-5120	5	9	how	how	SCONJ
cana-5120	5	10	people	people	NOUN
cana-5120	5	11	and	and	CCONJ
cana-5120	5	12	businesses	business	NOUN
cana-5120	5	13	behave	behave	VERB
cana-5120	5	14	.	.	PUNCT
cana-5120	6	1	banking	banking	NOUN
cana-5120	6	2	industry	industry	NOUN
cana-5120	6	3	mostly	mostly	ADV
cana-5120	6	4	depends	depend	VERB
cana-5120	6	5	on	on	ADP
cana-5120	6	6	information	information	NOUN
cana-5120	6	7	technology	technology	NOUN
cana-5120	6	8	(	(	PUNCT
cana-5120	6	9	it	it	PRON
cana-5120	6	10	)	)	PUNCT
cana-5120	6	11	to	to	PART
cana-5120	6	12	gather	gather	VERB
cana-5120	6	13	,	,	PUNCT
cana-5120	6	14	process	process	NOUN
cana-5120	6	15	,	,	PUNCT
cana-5120	6	16	and	and	CCONJ
cana-5120	6	17	distribute	distribute	VERB
cana-5120	6	18	data	datum	NOUN
cana-5120	6	19	to	to	ADP
cana-5120	6	20	all	all	DET
cana-5120	6	21	pertinent	pertinent	ADJ
cana-5120	6	22	clients	client	NOUN
cana-5120	6	23	.	.	PUNCT
cana-5120	7	1	the	the	DET
cana-5120	7	2	way	way	NOUN
cana-5120	7	3	banks	bank	NOUN
cana-5120	7	4	operate	operate	VERB
cana-5120	7	5	,	,	PUNCT
cana-5120	7	6	deliver	deliver	VERB
cana-5120	7	7	,	,	PUNCT
cana-5120	7	8	and	and	CCONJ
cana-5120	7	9	compete	compete	VERB
cana-5120	7	10	with	with	ADP
cana-5120	7	11	one	one	NOUN
cana-5120	7	12	another	another	PRON
cana-5120	7	13	is	be	AUX
cana-5120	7	14	revolutionized	revolutionize	VERB
cana-5120	7	15	by	by	ADP
cana-5120	7	16	the	the	DET
cana-5120	7	17	smart	smart	ADJ
cana-5120	7	18	use	use	NOUN
cana-5120	7	19	of	of	ADP
cana-5120	7	20	internet	internet	NOUN
cana-5120	7	21	technology	technology	NOUN
cana-5120	7	22	.	.	PUNCT
cana-5120	8	1	these	these	DET
cana-5120	8	2	technological	technological	ADJ
cana-5120	8	3	and	and	CCONJ
cana-5120	8	4	operational	operational	ADJ
cana-5120	8	5	changes	change	NOUN
cana-5120	8	6	have	have	VERB
cana-5120	8	7	an	an	DET
cana-5120	8	8	effect	effect	NOUN
cana-5120	8	9	on	on	ADP
cana-5120	8	10	different	different	ADJ
cana-5120	8	11	age	age	NOUN
cana-5120	8	12	group	group	NOUN
cana-5120	8	13	population	population	NOUN
cana-5120	8	14	banking	banking	NOUN
cana-5120	8	15	,	,	PUNCT
cana-5120	8	16	groups	group	NOUN
cana-5120	8	17	,	,	PUNCT
cana-5120	8	18	and	and	CCONJ
cana-5120	8	19	individuals	individual	NOUN
cana-5120	8	20	must	must	AUX
cana-5120	8	21	comprehend	comprehend	VERB
cana-5120	8	22	these	these	DET
cana-5120	8	23	effects	effect	NOUN
cana-5120	8	24	on	on	ADP
cana-5120	8	25	different	different	ADJ
cana-5120	8	26	age	age	NOUN
cana-5120	8	27	group	group	NOUN
cana-5120	8	28	population	population	NOUN
cana-5120	8	29	in	in	ADP
cana-5120	8	30	order	order	NOUN
cana-5120	8	31	to	to	PART
cana-5120	8	32	effectively	effectively	ADV
cana-5120	8	33	conduct	conduct	VERB
cana-5120	8	34	e	e	NOUN
cana-5120	8	35	-	-	NOUN
cana-5120	8	36	banking	banking	NOUN
cana-5120	8	37	.	.	PUNCT
cana-5120	9	1	the	the	DET
cana-5120	9	2	purpose	purpose	NOUN
cana-5120	9	3	of	of	ADP
cana-5120	9	4	this	this	DET
cana-5120	9	5	study	study	NOUN
cana-5120	9	6	is	be	AUX
cana-5120	9	7	to	to	PART
cana-5120	9	8	analyze	analyze	VERB
cana-5120	9	9	the	the	DET
cana-5120	9	10	socio	socio	NOUN
cana-5120	9	11	economic	economic	ADJ
cana-5120	9	12	profile	profile	NOUN
cana-5120	9	13	of	of	ADP
cana-5120	9	14	internet	internet	NOUN
cana-5120	9	15	banking	banking	NOUN
cana-5120	9	16	user	user	NOUN
cana-5120	9	17	of	of	ADP
cana-5120	9	18	middle	middle	ADJ
cana-5120	9	19	aged	aged	ADJ
cana-5120	9	20	(	(	PUNCT
cana-5120	9	21	41	41	NUM
cana-5120	9	22	-	-	SYM
cana-5120	9	23	65	65	NUM
cana-5120	9	24	years	year	NOUN
cana-5120	9	25	of	of	ADP
cana-5120	9	26	age	age	NOUN
cana-5120	9	27	)	)	PUNCT
cana-5120	9	28	and	and	CCONJ
cana-5120	9	29	youngster	youngster	ADJ
cana-5120	9	30	(	(	PUNCT
cana-5120	9	31	21	21	NUM
cana-5120	9	32	-	-	SYM
cana-5120	9	33	40	40	NUM
cana-5120	9	34	years	year	NOUN
cana-5120	9	35	of	of	ADP
cana-5120	9	36	age	age	NOUN
cana-5120	9	37	)	)	PUNCT
cana-5120	9	38	.	.	PUNCT
cana-5120	10	1	the	the	DET
cana-5120	10	2	sample	sample	NOUN
cana-5120	10	3	size	size	NOUN
cana-5120	10	4	is	be	AUX
cana-5120	10	5	500	500	NUM
cana-5120	10	6	.	.	PUNCT
cana-5120	11	1	self	self	NOUN
cana-5120	11	2	made	make	VERB
cana-5120	11	3	questionnaire	questionnaire	NOUN
cana-5120	11	4	is	be	AUX
cana-5120	11	5	used	use	VERB
cana-5120	11	6	in	in	ADP
cana-5120	11	7	this	this	DET
cana-5120	11	8	research	research	NOUN
cana-5120	11	9	to	to	PART
cana-5120	11	10	collect	collect	VERB
cana-5120	11	11	first	first	ADJ
cana-5120	11	12	hand	hand	NOUN
cana-5120	11	13	information	information	NOUN
cana-5120	11	14	from	from	ADP
cana-5120	11	15	the	the	DET
cana-5120	11	16	internet	internet	NOUN
cana-5120	11	17	banking	banking	NOUN
cana-5120	11	18	services	service	NOUN
cana-5120	11	19	users	user	NOUN
cana-5120	11	20	.	.	PUNCT
cana-5120	12	1	purposive	purposive	ADJ
cana-5120	12	2	and	and	CCONJ
cana-5120	12	3	convenient	convenient	ADJ
cana-5120	12	4	sampling	sampling	NOUN
cana-5120	12	5	strategies	strategy	NOUN
cana-5120	12	6	were	be	AUX
cana-5120	12	7	used	use	VERB
cana-5120	12	8	to	to	PART
cana-5120	12	9	choose	choose	VERB
cana-5120	12	10	the	the	DET
cana-5120	12	11	sample	sample	NOUN
cana-5120	12	12	.	.	PUNCT
cana-5120	13	1	four	four	NUM
cana-5120	13	2	locations	location	NOUN
cana-5120	13	3	were	be	AUX
cana-5120	13	4	chosen	choose	VERB
cana-5120	13	5	to	to	PART
cana-5120	13	6	include	include	VERB
cana-5120	13	7	both	both	CCONJ
cana-5120	13	8	urban	urban	ADJ
cana-5120	13	9	and	and	CCONJ
cana-5120	13	10	rural	rural	ADJ
cana-5120	13	11	settings	setting	NOUN
cana-5120	13	12	.	.	PUNCT
cana-5120	14	1	the	the	DET
cana-5120	14	2	data	datum	NOUN
cana-5120	14	3	has	have	AUX
cana-5120	14	4	been	be	AUX
cana-5120	14	5	gathered	gather	VERB
cana-5120	14	6	through	through	ADP
cana-5120	14	7	interviews	interview	NOUN
cana-5120	14	8	and	and	CCONJ
cana-5120	14	9	questionnaires	questionnaire	NOUN
cana-5120	14	10	.	.	PUNCT
cana-5120	15	1	the	the	DET
cana-5120	15	2	statistical	statistical	ADJ
cana-5120	15	3	techniques	technique	NOUN
cana-5120	15	4	like	like	ADP
cana-5120	15	5	frequency	frequency	NOUN
cana-5120	15	6	,	,	PUNCT
cana-5120	15	7	mean	mean	VERB
cana-5120	15	8	,	,	PUNCT
cana-5120	15	9	and	and	CCONJ
cana-5120	15	10	chi	chi	ADJ
cana-5120	15	11	-	-	PUNCT
cana-5120	15	12	square	square	NOUN
cana-5120	15	13	etc	etc	X
cana-5120	15	14	.	.	X
cana-5120	15	15	are	be	AUX
cana-5120	15	16	used	use	VERB
cana-5120	15	17	for	for	ADP
cana-5120	15	18	analysis	analysis	NOUN
cana-5120	15	19	.	.	PUNCT
cana-5120	16	1	the	the	DET
cana-5120	16	2	finding	finding	NOUN
cana-5120	16	3	of	of	ADP
cana-5120	16	4	the	the	DET
cana-5120	16	5	study	study	NOUN
cana-5120	16	6	reveals	reveal	VERB
cana-5120	16	7	that	that	SCONJ
cana-5120	16	8	middle	middle	ADJ
cana-5120	16	9	age	age	NOUN
cana-5120	16	10	users	user	NOUN
cana-5120	16	11	use	use	VERB
cana-5120	16	12	internet	internet	NOUN
cana-5120	16	13	banking	banking	NOUN
cana-5120	16	14	services	service	NOUN
cana-5120	16	15	for	for	ADP
cana-5120	16	16	different	different	ADJ
cana-5120	16	17	activities	activity	NOUN
cana-5120	16	18	as	as	SCONJ
cana-5120	16	19	compared	compare	VERB
cana-5120	16	20	to	to	ADP
cana-5120	16	21	youngsters	youngster	NOUN
cana-5120	16	22	.	.	PUNCT
cana-5120	17	1	convenience	convenience	NOUN
cana-5120	17	2	,	,	PUNCT
cana-5120	17	3	knowledge	knowledge	NOUN
cana-5120	17	4	and	and	CCONJ
cana-5120	17	5	support	support	NOUN
cana-5120	17	6	,	,	PUNCT
cana-5120	17	7	trust	trust	NOUN
cana-5120	17	8	and	and	CCONJ
cana-5120	17	9	security	security	NOUN
cana-5120	17	10	are	be	AUX
cana-5120	17	11	the	the	DET
cana-5120	17	12	major	major	ADJ
cana-5120	17	13	reasons	reason	NOUN
cana-5120	17	14	for	for	ADP
cana-5120	17	15	using	use	VERB
cana-5120	17	16	internet	internet	NOUN
cana-5120	17	17	banking	banking	NOUN
cana-5120	17	18	by	by	ADP
cana-5120	17	19	the	the	DET
cana-5120	17	20	users	user	NOUN
cana-5120	17	21	,	,	PUNCT
cana-5120	17	22	while	while	SCONJ
cana-5120	17	23	the	the	DET
cana-5120	17	24	non	non	NOUN
cana-5120	17	25	-	-	ADJ
cana-5120	17	26	users	user	NOUN
cana-5120	17	27	mentioned	mention	VERB
cana-5120	17	28	unawareness	unawareness	NOUN
cana-5120	17	29	,	,	PUNCT
cana-5120	17	30	in	in	ADP
cana-5120	17	31	convenience	convenience	NOUN
cana-5120	17	32	and	and	CCONJ
cana-5120	17	33	security	security	NOUN
cana-5120	17	34	concerns	concern	NOUN
cana-5120	17	35	as	as	ADP
cana-5120	17	36	reasons	reason	NOUN
cana-5120	17	37	for	for	ADP
cana-5120	17	38	not	not	PART
cana-5120	17	39	using	use	VERB
cana-5120	17	40	.	.	PUNCT
cana-5120	18	1	keywords	keyword	NOUN
cana-5120	18	2	:	:	PUNCT
cana-5120	18	3	internet	internet	NOUN
cana-5120	18	4	banking	banking	NOUN
cana-5120	18	5	,	,	PUNCT
cana-5120	18	6	technology	technology	NOUN
cana-5120	18	7	,	,	PUNCT
cana-5120	18	8	customer	customer	NOUN
cana-5120	18	9	satisfaction	satisfaction	NOUN
cana-5120	18	10	and	and	CCONJ
cana-5120	18	11	risk	risk	NOUN
cana-5120	18	12	introduction	introduction	NOUN
cana-5120	18	13	every	every	DET
cana-5120	18	14	facet	facet	NOUN
cana-5120	18	15	of	of	ADP
cana-5120	18	16	contemporary	contemporary	ADJ
cana-5120	18	17	society	society	NOUN
cana-5120	18	18	has	have	AUX
cana-5120	18	19	been	be	AUX
cana-5120	18	20	impacted	impact	VERB
cana-5120	18	21	by	by	ADP
cana-5120	18	22	technology	technology	NOUN
cana-5120	18	23	in	in	ADP
cana-5120	18	24	recent	recent	ADJ
cana-5120	18	25	decades	decade	NOUN
cana-5120	18	26	,	,	PUNCT
cana-5120	18	27	and	and	CCONJ
cana-5120	18	28	people	people	NOUN
cana-5120	18	29	's	's	PART
cana-5120	18	30	daily	daily	ADJ
cana-5120	18	31	lives	life	NOUN
cana-5120	18	32	are	be	AUX
cana-5120	18	33	increasingly	increasingly	ADV
cana-5120	18	34	including	include	VERB
cana-5120	18	35	the	the	DET
cana-5120	18	36	usage	usage	NOUN
cana-5120	18	37	of	of	ADP
cana-5120	18	38	many	many	ADJ
cana-5120	18	39	technologies	technology	NOUN
cana-5120	18	40	.	.	PUNCT
cana-5120	19	1	many	many	ADJ
cana-5120	19	2	services	service	NOUN
cana-5120	19	3	and	and	CCONJ
cana-5120	19	4	resources	resource	NOUN
cana-5120	19	5	are	be	AUX
cana-5120	19	6	now	now	ADV
cana-5120	19	7	only	only	ADV
cana-5120	19	8	available	available	ADJ
cana-5120	19	9	through	through	ADP
cana-5120	19	10	digital	digital	ADJ
cana-5120	19	11	methods	method	NOUN
cana-5120	19	12	due	due	ADP
cana-5120	19	13	to	to	ADP
cana-5120	19	14	the	the	DET
cana-5120	19	15	ongoing	ongoing	ADJ
cana-5120	19	16	technical	technical	ADJ
cana-5120	19	17	advancement	advancement	NOUN
cana-5120	19	18	that	that	PRON
cana-5120	19	19	has	have	AUX
cana-5120	19	20	resulted	result	VERB
cana-5120	19	21	from	from	ADP
cana-5120	19	22	this	this	PRON
cana-5120	19	23	.	.	PUNCT
cana-5120	20	1	it	it	PRON
cana-5120	20	2	also	also	ADV
cana-5120	20	3	affects	affect	VERB
cana-5120	20	4	financial	financial	ADJ
cana-5120	20	5	services	service	NOUN
cana-5120	20	6	market	market	NOUN
cana-5120	20	7	.	.	PUNCT
cana-5120	21	1	(	(	PUNCT
cana-5120	21	2	raza	raza	PROPN
cana-5120	21	3	,	,	PUNCT
cana-5120	21	4	s.	s.	PROPN
cana-5120	21	5	a.	a.	PROPN
cana-5120	21	6	,	,	PUNCT
cana-5120	21	7	jawaid	jawaid	PROPN
cana-5120	21	8	,	,	PUNCT
cana-5120	21	9	s.	s.	PROPN
cana-5120	21	10	t.	t.	PROPN
cana-5120	21	11	,	,	PUNCT
cana-5120	21	12	&	&	CCONJ
cana-5120	21	13	hassan	hassan	PROPN
cana-5120	21	14	,	,	PUNCT
cana-5120	21	15	a.	a.	NOUN
cana-5120	21	16	2015	2015	NUM
cana-5120	21	17	)	)	PUNCT
cana-5120	21	18	banking	banking	NOUN
cana-5120	21	19	operations	operation	NOUN
cana-5120	21	20	have	have	AUX
cana-5120	21	21	changed	change	VERB
cana-5120	21	22	from	from	ADP
cana-5120	21	23	a	a	DET
cana-5120	21	24	traditional	traditional	ADJ
cana-5120	21	25	system	system	NOUN
cana-5120	21	26	to	to	ADP
cana-5120	21	27	an	an	DET
cana-5120	21	28	electronic	electronic	ADJ
cana-5120	21	29	banking	banking	NOUN
cana-5120	21	30	(	(	PUNCT
cana-5120	21	31	e	e	NOUN
cana-5120	21	32	-	-	NOUN
cana-5120	21	33	banking	banking	ADJ
cana-5120	21	34	)	)	PUNCT
cana-5120	21	35	system	system	NOUN
cana-5120	21	36	due	due	ADP
cana-5120	21	37	to	to	ADP
cana-5120	21	38	the	the	DET
cana-5120	21	39	growing	grow	VERB
cana-5120	21	40	growth	growth	NOUN
cana-5120	21	41	of	of	ADP
cana-5120	21	42	digital	digital	ADJ
cana-5120	21	43	technology	technology	NOUN
cana-5120	21	44	,	,	PUNCT
cana-5120	21	45	especially	especially	ADV
cana-5120	21	46	the	the	DET
cana-5120	21	47	usage	usage	NOUN
cana-5120	21	48	of	of	ADP
cana-5120	21	49	the	the	DET
cana-5120	21	50	internet	internet	NOUN
cana-5120	21	51	for	for	ADP
cana-5120	21	52	commercial	commercial	ADJ
cana-5120	21	53	transactions	transaction	NOUN
cana-5120	21	54	(	(	PUNCT
cana-5120	21	55	tasmin	tasmin	NOUN
cana-5120	21	56	.	.	PUNCT
cana-5120	22	1	r	r	NOUN
cana-5120	22	2	,	,	PUNCT
cana-5120	22	3	aliyu	aliyu	NOUN
cana-5120	22	4	,	,	PUNCT
cana-5120	22	5	a.	a.	NOUN
cana-5120	22	6	a.	a.	PROPN
cana-5120	22	7	and	and	CCONJ
cana-5120	22	8	takala	takala	PROPN
cana-5120	22	9	,	,	PUNCT
cana-5120	22	10	j.	j.	PROPN
cana-5120	22	11	(	(	PUNCT
cana-5120	22	12	2012	2012	NUM
cana-5120	22	13	)	)	PUNCT
cana-5120	22	14	.	.	PUNCT
cana-5120	23	1	the	the	DET
cana-5120	23	2	practice	practice	NOUN
cana-5120	23	3	of	of	ADP
cana-5120	23	4	conducting	conduct	VERB
cana-5120	23	5	financial	financial	ADJ
cana-5120	23	6	transactions	transaction	NOUN
cana-5120	23	7	using	use	VERB
cana-5120	23	8	an	an	DET
cana-5120	23	9	automated	automate	VERB
cana-5120	23	10	information	information	NOUN
cana-5120	23	11	system	system	NOUN
cana-5120	23	12	,	,	PUNCT
cana-5120	23	13	either	either	CCONJ
cana-5120	23	14	with	with	ADP
cana-5120	23	15	mailto:karamjitkaurrakhra@gmail.com	mailto:karamjitkaurrakhra@gmail.com	NOUN
cana-5120	23	16	mailto:drsahil24158@ctuniversity.in@gmail.com	mailto:drsahil24158@ctuniversity.in@gmail.com	VERB
cana-5120	23	17	communications	communication	NOUN
cana-5120	23	18	on	on	ADP
cana-5120	23	19	applied	apply	VERB
cana-5120	23	20	nonlinear	nonlinear	ADJ
cana-5120	23	21	analysis	analysis	NOUN
cana-5120	23	22	issn	issn	NOUN
cana-5120	23	23	:	:	PUNCT
cana-5120	23	24	1074	1074	NUM
cana-5120	23	25	-	-	PUNCT
cana-5120	23	26	133x	133x	NUM
cana-5120	23	27	vol	vol	NOUN
cana-5120	23	28	32	32	NUM
cana-5120	23	29	no	no	NOUN
cana-5120	23	30	.	.	PUNCT
cana-5120	24	1	icmasd	icmasd	NOUN
cana-5120	24	2	(	(	PUNCT
cana-5120	24	3	2025	2025	NUM
cana-5120	24	4	)	)	PUNCT
cana-5120	24	5	940	940	NUM
cana-5120	24	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	24	7	or	or	CCONJ
cana-5120	24	8	without	without	ADP
cana-5120	24	9	bank	bank	NOUN
cana-5120	24	10	customers	customer	NOUN
cana-5120	24	11	physically	physically	ADV
cana-5120	24	12	present	present	ADJ
cana-5120	24	13	at	at	ADP
cana-5120	24	14	bank	bank	NOUN
cana-5120	24	15	branches	branch	NOUN
cana-5120	24	16	or	or	CCONJ
cana-5120	24	17	specified	specify	VERB
cana-5120	24	18	sites	site	NOUN
cana-5120	24	19	,	,	PUNCT
cana-5120	24	20	is	be	AUX
cana-5120	24	21	known	know	VERB
cana-5120	24	22	as	as	ADP
cana-5120	24	23	ebanking/	ebanking/	NUM
cana-5120	24	24	internet	internet	NOUN
cana-5120	24	25	banking	banking	NOUN
cana-5120	24	26	.	.	PUNCT
cana-5120	25	1	banking	banking	NOUN
cana-5120	25	2	channels	channel	NOUN
cana-5120	25	3	and	and	CCONJ
cana-5120	25	4	other	other	ADJ
cana-5120	25	5	financial	financial	ADJ
cana-5120	25	6	technology	technology	NOUN
cana-5120	25	7	are	be	AUX
cana-5120	25	8	made	make	VERB
cana-5120	25	9	available	available	ADJ
cana-5120	25	10	to	to	ADP
cana-5120	25	11	consumers	consumer	NOUN
cana-5120	25	12	at	at	ADP
cana-5120	25	13	their	their	PRON
cana-5120	25	14	convenience	convenience	NOUN
cana-5120	25	15	through	through	ADP
cana-5120	25	16	e	e	NOUN
cana-5120	25	17	-	-	NOUN
cana-5120	25	18	banking	banking	NOUN
cana-5120	25	19	,	,	PUNCT
cana-5120	25	20	which	which	PRON
cana-5120	25	21	eliminates	eliminate	VERB
cana-5120	25	22	the	the	DET
cana-5120	25	23	need	need	NOUN
cana-5120	25	24	for	for	SCONJ
cana-5120	25	25	them	they	PRON
cana-5120	25	26	to	to	PART
cana-5120	25	27	physically	physically	ADV
cana-5120	25	28	visit	visit	VERB
cana-5120	25	29	the	the	DET
cana-5120	25	30	bank	bank	NOUN
cana-5120	25	31	's	's	PART
cana-5120	25	32	location	location	NOUN
cana-5120	25	33	.	.	PUNCT
cana-5120	26	1	these	these	DET
cana-5120	26	2	days	day	NOUN
cana-5120	26	3	,	,	PUNCT
cana-5120	26	4	bank	bank	NOUN
cana-5120	26	5	users	user	NOUN
cana-5120	26	6	can	can	AUX
cana-5120	26	7	use	use	VERB
cana-5120	26	8	e	e	NOUN
cana-5120	26	9	-	-	NOUN
cana-5120	26	10	banking	banking	NOUN
cana-5120	26	11	to	to	PART
cana-5120	26	12	do	do	VERB
cana-5120	26	13	almost	almost	ADV
cana-5120	26	14	all	all	PRON
cana-5120	26	15	banking	banking	NOUN
cana-5120	26	16	tasks	task	NOUN
cana-5120	26	17	,	,	PUNCT
cana-5120	26	18	including	include	VERB
cana-5120	26	19	money	money	NOUN
cana-5120	26	20	transfers	transfer	NOUN
cana-5120	26	21	,	,	PUNCT
cana-5120	26	22	online	online	ADJ
cana-5120	26	23	payments	payment	NOUN
cana-5120	26	24	for	for	ADP
cana-5120	26	25	goods	good	NOUN
cana-5120	26	26	and	and	CCONJ
cana-5120	26	27	services	service	NOUN
cana-5120	26	28	,	,	PUNCT
cana-5120	26	29	bills	bill	NOUN
cana-5120	26	30	,	,	PUNCT
cana-5120	26	31	bank	bank	NOUN
cana-5120	26	32	statement	statement	NOUN
cana-5120	26	33	enquiries	enquiry	NOUN
cana-5120	26	34	,	,	PUNCT
cana-5120	26	35	phone	phone	NOUN
cana-5120	26	36	voucher	voucher	ADJ
cana-5120	26	37	top	top	ADJ
cana-5120	26	38	-	-	PUNCT
cana-5120	26	39	ups	up	NOUN
cana-5120	26	40	,	,	PUNCT
cana-5120	26	41	and	and	CCONJ
cana-5120	26	42	many	many	ADJ
cana-5120	26	43	more	more	ADJ
cana-5120	26	44	.	.	PUNCT
cana-5120	27	1	(	(	PUNCT
cana-5120	27	2	rammaiya	rammaiya	NOUN
cana-5120	27	3	,	,	PUNCT
cana-5120	27	4	v.	v.	PROPN
cana-5120	27	5	and	and	CCONJ
cana-5120	27	6	prakash	prakash	PROPN
cana-5120	27	7	,	,	PUNCT
cana-5120	27	8	g.	g.	PROPN
cana-5120	27	9	2019	2019	NUM
cana-5120	27	10	)	)	PUNCT
cana-5120	27	11	.	.	PUNCT
cana-5120	28	1	a	a	DET
cana-5120	28	2	common	common	ADJ
cana-5120	28	3	form	form	NOUN
cana-5120	28	4	of	of	ADP
cana-5120	28	5	e	e	NOUN
cana-5120	28	6	-	-	NOUN
cana-5120	28	7	banking	banking	NOUN
cana-5120	28	8	is	be	AUX
cana-5120	28	9	internet	internet	NOUN
cana-5120	28	10	banking	banking	NOUN
cana-5120	28	11	,	,	PUNCT
cana-5120	28	12	which	which	PRON
cana-5120	28	13	is	be	AUX
cana-5120	28	14	made	make	VERB
cana-5120	28	15	possible	possible	ADJ
cana-5120	28	16	by	by	ADP
cana-5120	28	17	the	the	DET
cana-5120	28	18	ease	ease	NOUN
cana-5120	28	19	of	of	ADP
cana-5120	28	20	using	use	VERB
cana-5120	28	21	an	an	DET
cana-5120	28	22	online	online	ADJ
cana-5120	28	23	account	account	NOUN
cana-5120	28	24	.	.	PUNCT
cana-5120	29	1	internet	internet	NOUN
cana-5120	29	2	banking	banking	NOUN
cana-5120	29	3	refers	refer	VERB
cana-5120	29	4	to	to	ADP
cana-5120	29	5	the	the	DET
cana-5120	29	6	process	process	NOUN
cana-5120	29	7	of	of	ADP
cana-5120	29	8	conducting	conduct	VERB
cana-5120	29	9	financial	financial	ADJ
cana-5120	29	10	transactions	transaction	NOUN
cana-5120	29	11	via	via	ADP
cana-5120	29	12	an	an	DET
cana-5120	29	13	automated	automate	VERB
cana-5120	29	14	information	information	NOUN
cana-5120	29	15	system	system	NOUN
cana-5120	29	16	,	,	PUNCT
cana-5120	29	17	either	either	CCONJ
cana-5120	29	18	with	with	ADP
cana-5120	29	19	or	or	CCONJ
cana-5120	29	20	without	without	ADP
cana-5120	29	21	the	the	DET
cana-5120	29	22	actual	actual	ADJ
cana-5120	29	23	presence	presence	NOUN
cana-5120	29	24	of	of	ADP
cana-5120	29	25	bank	bank	NOUN
cana-5120	29	26	customers	customer	NOUN
cana-5120	29	27	at	at	ADP
cana-5120	29	28	designated	designate	VERB
cana-5120	29	29	locations	location	NOUN
cana-5120	29	30	or	or	CCONJ
cana-5120	29	31	bank	bank	NOUN
cana-5120	29	32	premises	premise	NOUN
cana-5120	29	33	.	.	PUNCT
cana-5120	30	1	internet	internet	NOUN
cana-5120	30	2	banking	banking	NOUN
cana-5120	30	3	eliminates	eliminate	VERB
cana-5120	30	4	the	the	DET
cana-5120	30	5	requirement	requirement	NOUN
cana-5120	30	6	for	for	SCONJ
cana-5120	30	7	clients	client	NOUN
cana-5120	30	8	to	to	PART
cana-5120	30	9	physically	physically	ADV
cana-5120	30	10	visit	visit	VERB
cana-5120	30	11	the	the	DET
cana-5120	30	12	bank	bank	NOUN
cana-5120	30	13	's	's	PART
cana-5120	30	14	location	location	NOUN
cana-5120	30	15	and	and	CCONJ
cana-5120	30	16	provides	provide	VERB
cana-5120	30	17	financial	financial	ADJ
cana-5120	30	18	technologies	technology	NOUN
cana-5120	30	19	(	(	PUNCT
cana-5120	30	20	banking	banking	NOUN
cana-5120	30	21	channels	channel	NOUN
cana-5120	30	22	)	)	PUNCT
cana-5120	30	23	at	at	ADP
cana-5120	30	24	their	their	PRON
cana-5120	30	25	leisure	leisure	NOUN
cana-5120	30	26	.	.	PUNCT
cana-5120	31	1	(	(	PUNCT
cana-5120	31	2	almaiah	almaiah	PROPN
cana-5120	31	3	,	,	PUNCT
cana-5120	31	4	m.a	m.a	PROPN
cana-5120	31	5	.	.	PROPN
cana-5120	31	6	et.al.2022	et.al.2022	PROPN
cana-5120	31	7	)	)	PUNCT
cana-5120	31	8	objective	objective	NOUN
cana-5120	31	9	to	to	PART
cana-5120	31	10	analyze	analyze	VERB
cana-5120	31	11	socio	socio	VERB
cana-5120	31	12	economic	economic	ADJ
cana-5120	31	13	profile	profile	NOUN
cana-5120	31	14	of	of	ADP
cana-5120	31	15	middle	middle	ADJ
cana-5120	31	16	age	age	NOUN
cana-5120	31	17	and	and	CCONJ
cana-5120	31	18	young	young	ADJ
cana-5120	31	19	users	user	NOUN
cana-5120	31	20	.	.	PUNCT
cana-5120	32	1	literature	literature	PROPN
cana-5120	32	2	review	review	VERB
cana-5120	32	3	suh	suh	PROPN
cana-5120	32	4	and	and	CCONJ
cana-5120	32	5	han	han	PROPN
cana-5120	32	6	.	.	PUNCT
cana-5120	33	1	(	(	PUNCT
cana-5120	33	2	2002	2002	NUM
cana-5120	33	3	)	)	PUNCT
cana-5120	33	4	revealed	reveal	VERB
cana-5120	33	5	that	that	SCONJ
cana-5120	33	6	trust	trust	NOUN
cana-5120	33	7	is	be	AUX
cana-5120	33	8	one	one	NUM
cana-5120	33	9	of	of	ADP
cana-5120	33	10	the	the	DET
cana-5120	33	11	fundamental	fundamental	ADJ
cana-5120	33	12	presumptions	presumption	NOUN
cana-5120	33	13	affecting	affect	VERB
cana-5120	33	14	a	a	DET
cana-5120	33	15	customer	customer	NOUN
cana-5120	33	16	's	's	PART
cana-5120	33	17	attitude	attitude	NOUN
cana-5120	33	18	towards	towards	ADP
cana-5120	33	19	using	use	VERB
cana-5120	33	20	internet	internet	NOUN
cana-5120	33	21	banking	banking	NOUN
cana-5120	33	22	.	.	PUNCT
cana-5120	34	1	the	the	DET
cana-5120	34	2	tam	tam	PROPN
cana-5120	34	3	proposed	propose	VERB
cana-5120	34	4	that	that	SCONJ
cana-5120	34	5	attitude	attitude	NOUN
cana-5120	34	6	was	be	AUX
cana-5120	34	7	significantly	significantly	ADV
cana-5120	34	8	influenced	influence	VERB
cana-5120	34	9	by	by	ADP
cana-5120	34	10	customer	customer	NOUN
cana-5120	34	11	views	view	NOUN
cana-5120	34	12	of	of	ADP
cana-5120	34	13	usefulness	usefulness	NOUN
cana-5120	34	14	and	and	CCONJ
cana-5120	34	15	usability	usability	NOUN
cana-5120	34	16	.	.	PUNCT
cana-5120	35	1	the	the	DET
cana-5120	35	2	behavioural	behavioural	ADJ
cana-5120	35	3	desire	desire	NOUN
cana-5120	35	4	to	to	PART
cana-5120	35	5	use	use	VERB
cana-5120	35	6	internet	internet	NOUN
cana-5120	35	7	banking	banking	NOUN
cana-5120	35	8	was	be	AUX
cana-5120	35	9	highly	highly	ADV
cana-5120	35	10	connected	connect	VERB
cana-5120	35	11	with	with	ADP
cana-5120	35	12	attitude	attitude	NOUN
cana-5120	35	13	,	,	PUNCT
cana-5120	35	14	perceived	perceive	VERB
cana-5120	35	15	utility	utility	NOUN
cana-5120	35	16	,	,	PUNCT
cana-5120	35	17	and	and	CCONJ
cana-5120	35	18	trust	trust	NOUN
cana-5120	35	19	.	.	PUNCT
cana-5120	36	1	customers	customer	NOUN
cana-5120	36	2	rely	rely	VERB
cana-5120	36	3	on	on	ADP
cana-5120	36	4	trust	trust	NOUN
cana-5120	36	5	in	in	ADP
cana-5120	36	6	online	online	ADJ
cana-5120	36	7	environments	environment	NOUN
cana-5120	36	8	that	that	PRON
cana-5120	36	9	manage	manage	VERB
cana-5120	36	10	sensitive	sensitive	ADJ
cana-5120	36	11	data	datum	NOUN
cana-5120	36	12	,	,	PUNCT
cana-5120	36	13	according	accord	VERB
cana-5120	36	14	to	to	ADP
cana-5120	36	15	these	these	DET
cana-5120	36	16	results	result	NOUN
cana-5120	36	17	.	.	PUNCT
cana-5120	37	1	pfeil	pfeil	NOUN
cana-5120	37	2	,	,	PUNCT
cana-5120	37	3	at	at	ADP
cana-5120	37	4	al	al	PROPN
cana-5120	37	5	.	.	PUNCT
cana-5120	37	6	(	(	PUNCT
cana-5120	37	7	2009	2009	NUM
cana-5120	37	8	)	)	PUNCT
cana-5120	37	9	provided	provide	VERB
cana-5120	37	10	fascinating	fascinating	ADJ
cana-5120	37	11	insights	insight	NOUN
cana-5120	37	12	into	into	ADP
cana-5120	37	13	the	the	DET
cana-5120	37	14	characteristics	characteristic	NOUN
cana-5120	37	15	and	and	CCONJ
cana-5120	37	16	age	age	NOUN
cana-5120	37	17	-	-	PUNCT
cana-5120	37	18	related	relate	VERB
cana-5120	37	19	differences	difference	NOUN
cana-5120	37	20	of	of	ADP
cana-5120	37	21	myspace	myspace	NOUN
cana-5120	37	22	users	user	NOUN
cana-5120	37	23	,	,	PUNCT
cana-5120	37	24	as	as	ADV
cana-5120	37	25	well	well	ADV
cana-5120	37	26	as	as	ADP
cana-5120	37	27	the	the	DET
cana-5120	37	28	different	different	ADJ
cana-5120	37	29	ways	way	NOUN
cana-5120	37	30	in	in	ADP
cana-5120	37	31	which	which	PRON
cana-5120	37	32	these	these	DET
cana-5120	37	33	two	two	NUM
cana-5120	37	34	user	user	NOUN
cana-5120	37	35	groups	group	NOUN
cana-5120	37	36	build	build	VERB
cana-5120	37	37	and	and	CCONJ
cana-5120	37	38	maintain	maintain	VERB
cana-5120	37	39	social	social	ADJ
cana-5120	37	40	capital	capital	NOUN
cana-5120	37	41	in	in	ADP
cana-5120	37	42	this	this	DET
cana-5120	37	43	setting	setting	NOUN
cana-5120	37	44	.	.	PUNCT
cana-5120	38	1	comparing	compare	VERB
cana-5120	38	2	samples	sample	NOUN
cana-5120	38	3	of	of	ADP
cana-5120	38	4	older	old	ADJ
cana-5120	38	5	and	and	CCONJ
cana-5120	38	6	teenage	teenage	ADJ
cana-5120	38	7	users	user	NOUN
cana-5120	38	8	,	,	PUNCT
cana-5120	38	9	we	we	PRON
cana-5120	38	10	found	find	VERB
cana-5120	38	11	some	some	DET
cana-5120	38	12	significant	significant	ADJ
cana-5120	38	13	findings	finding	NOUN
cana-5120	38	14	as	as	ADV
cana-5120	38	15	well	well	ADV
cana-5120	38	16	as	as	ADP
cana-5120	38	17	differences	difference	NOUN
cana-5120	38	18	between	between	ADP
cana-5120	38	19	the	the	DET
cana-5120	38	20	two	two	NUM
cana-5120	38	21	groups	group	NOUN
cana-5120	38	22	.	.	PUNCT
cana-5120	39	1	because	because	SCONJ
cana-5120	39	2	this	this	DET
cana-5120	39	3	process	process	NOUN
cana-5120	39	4	was	be	AUX
cana-5120	39	5	automated	automate	VERB
cana-5120	39	6	,	,	PUNCT
cana-5120	39	7	we	we	PRON
cana-5120	39	8	were	be	AUX
cana-5120	39	9	able	able	ADJ
cana-5120	39	10	to	to	PART
cana-5120	39	11	collect	collect	VERB
cana-5120	39	12	data	datum	NOUN
cana-5120	39	13	from	from	ADP
cana-5120	39	14	a	a	DET
cana-5120	39	15	sizable	sizable	ADJ
cana-5120	39	16	sample	sample	NOUN
cana-5120	39	17	of	of	ADP
cana-5120	39	18	user	user	NOUN
cana-5120	39	19	profiles	profile	NOUN
cana-5120	39	20	.	.	PUNCT
cana-5120	40	1	kaur	kaur	PROPN
cana-5120	40	2	,	,	PUNCT
cana-5120	40	3	navpreet	navpreet	PROPN
cana-5120	40	4	et.al	et.al	PROPN
cana-5120	40	5	.	.	PUNCT
cana-5120	41	1	(	(	PUNCT
cana-5120	41	2	april	april	PROPN
cana-5120	41	3	2015	2015	NUM
cana-5120	41	4	)	)	PUNCT
cana-5120	41	5	examined	examine	VERB
cana-5120	41	6	that	that	SCONJ
cana-5120	41	7	online	online	ADJ
cana-5120	41	8	banking	banking	NOUN
cana-5120	41	9	solutions	solution	NOUN
cana-5120	41	10	allow	allow	VERB
cana-5120	41	11	clients	client	NOUN
cana-5120	41	12	to	to	PART
cana-5120	41	13	reach	reach	VERB
cana-5120	41	14	a	a	DET
cana-5120	41	15	larger	large	ADJ
cana-5120	41	16	audience	audience	NOUN
cana-5120	41	17	.	.	PUNCT
cana-5120	42	1	feedback	feedback	NOUN
cana-5120	42	2	is	be	AUX
cana-5120	42	3	readily	readily	ADV
cana-5120	42	4	available	available	ADJ
cana-5120	42	5	on	on	ADP
cana-5120	42	6	the	the	DET
cana-5120	42	7	internet	internet	NOUN
cana-5120	42	8	due	due	ADP
cana-5120	42	9	of	of	ADP
cana-5120	42	10	its	its	PRON
cana-5120	42	11	virtual	virtual	ADJ
cana-5120	42	12	nature	nature	NOUN
cana-5120	42	13	.	.	PUNCT
cana-5120	43	1	it	it	PRON
cana-5120	43	2	is	be	AUX
cana-5120	43	3	possible	possible	ADJ
cana-5120	43	4	to	to	PART
cana-5120	43	5	win	win	VERB
cana-5120	43	6	over	over	ADP
cana-5120	43	7	customers	customer	NOUN
cana-5120	43	8	'	'	PART
cana-5120	43	9	loyalty	loyalty	NOUN
cana-5120	43	10	.	.	PUNCT
cana-5120	44	1	the	the	DET
cana-5120	44	2	bank	bank	NOUN
cana-5120	44	3	offers	offer	VERB
cana-5120	44	4	its	its	PRON
cana-5120	44	5	clients	client	NOUN
cana-5120	44	6	both	both	CCONJ
cana-5120	44	7	individualised	individualised	ADJ
cana-5120	44	8	attention	attention	NOUN
cana-5120	44	9	and	and	CCONJ
cana-5120	44	10	first	first	ADJ
cana-5120	44	11	-	-	PUNCT
cana-5120	44	12	rate	rate	NOUN
cana-5120	44	13	service	service	NOUN
cana-5120	44	14	.	.	PUNCT
cana-5120	45	1	excellent	excellent	ADJ
cana-5120	45	2	customer	customer	NOUN
cana-5120	45	3	service	service	NOUN
cana-5120	45	4	,	,	PUNCT
cana-5120	45	5	a	a	DET
cana-5120	45	6	larger	large	ADJ
cana-5120	45	7	audience	audience	NOUN
cana-5120	45	8	,	,	PUNCT
cana-5120	45	9	time	time	NOUN
cana-5120	45	10	-	-	PUNCT
cana-5120	45	11	saving	save	VERB
cana-5120	45	12	client	client	NOUN
cana-5120	45	13	loyalty	loyalty	NOUN
cana-5120	45	14	,	,	PUNCT
cana-5120	45	15	easy	easy	ADJ
cana-5120	45	16	access	access	NOUN
cana-5120	45	17	to	to	ADP
cana-5120	45	18	information	information	NOUN
cana-5120	45	19	,	,	PUNCT
cana-5120	45	20	24/7	24/7	NOUN
cana-5120	45	21	availability	availability	NOUN
cana-5120	45	22	,	,	PUNCT
cana-5120	45	23	less	less	ADJ
cana-5120	45	24	paperwork	paperwork	NOUN
cana-5120	45	25	,	,	PUNCT
cana-5120	45	26	the	the	DET
cana-5120	45	27	elimination	elimination	NOUN
cana-5120	45	28	of	of	ADP
cana-5120	45	29	cash	cash	NOUN
cana-5120	45	30	transactions	transaction	NOUN
cana-5120	45	31	,	,	PUNCT
cana-5120	45	32	straightforward	straightforward	ADJ
cana-5120	45	33	online	online	ADJ
cana-5120	45	34	applications	application	NOUN
cana-5120	45	35	,	,	PUNCT
cana-5120	45	36	and	and	CCONJ
cana-5120	45	37	more	more	ADJ
cana-5120	45	38	are	be	AUX
cana-5120	45	39	just	just	ADV
cana-5120	45	40	a	a	DET
cana-5120	45	41	few	few	ADJ
cana-5120	45	42	of	of	ADP
cana-5120	45	43	the	the	DET
cana-5120	45	44	many	many	ADJ
cana-5120	45	45	advantages	advantage	NOUN
cana-5120	45	46	of	of	ADP
cana-5120	45	47	using	use	VERB
cana-5120	45	48	an	an	DET
cana-5120	45	49	online	online	ADJ
cana-5120	45	50	banking	banking	NOUN
cana-5120	45	51	system	system	NOUN
cana-5120	45	52	that	that	PRON
cana-5120	45	53	we	we	PRON
cana-5120	45	54	learnt	learn	VERB
cana-5120	45	55	about	about	ADP
cana-5120	45	56	.	.	PUNCT
cana-5120	46	1	balakrishnan	balakrishnan	PROPN
cana-5120	46	2	and	and	CCONJ
cana-5120	46	3	bharthvajan	bharthvajan	PROPN
cana-5120	46	4	r.(2020	r.(2020	PROPN
cana-5120	46	5	)	)	PUNCT
cana-5120	46	6	concluded	conclude	VERB
cana-5120	46	7	that	that	SCONJ
cana-5120	46	8	overall	overall	ADJ
cana-5120	46	9	,	,	PUNCT
cana-5120	46	10	e	e	NOUN
cana-5120	46	11	-	-	NOUN
cana-5120	46	12	banking	banking	NOUN
cana-5120	46	13	has	have	AUX
cana-5120	46	14	made	make	VERB
cana-5120	46	15	our	our	PRON
cana-5120	46	16	lives	life	NOUN
cana-5120	46	17	simpler	simple	ADJ
cana-5120	46	18	and	and	CCONJ
cana-5120	46	19	more	more	ADV
cana-5120	46	20	comfortable	comfortable	ADJ
cana-5120	46	21	while	while	SCONJ
cana-5120	46	22	enabling	enable	VERB
cana-5120	46	23	us	we	PRON
cana-5120	46	24	to	to	PART
cana-5120	46	25	affordably	affordably	ADV
cana-5120	46	26	access	access	VERB
cana-5120	46	27	premium	premium	NOUN
cana-5120	46	28	services	service	NOUN
cana-5120	46	29	.	.	PUNCT
cana-5120	47	1	we	we	PRON
cana-5120	47	2	found	find	VERB
cana-5120	47	3	it	it	PRON
cana-5120	47	4	to	to	PART
cana-5120	47	5	be	be	AUX
cana-5120	47	6	quite	quite	ADV
cana-5120	47	7	comfortable	comfortable	ADJ
cana-5120	47	8	to	to	PART
cana-5120	47	9	use	use	VERB
cana-5120	47	10	on	on	ADP
cana-5120	47	11	a	a	DET
cana-5120	47	12	daily	daily	ADJ
cana-5120	47	13	basis	basis	NOUN
cana-5120	47	14	.	.	PUNCT
cana-5120	48	1	it	it	PRON
cana-5120	48	2	also	also	ADV
cana-5120	48	3	yielded	yield	VERB
cana-5120	48	4	time	time	NOUN
cana-5120	48	5	-	-	PUNCT
cana-5120	48	6	saving	save	VERB
cana-5120	48	7	and	and	CCONJ
cana-5120	48	8	efficient	efficient	ADJ
cana-5120	48	9	methods	method	NOUN
cana-5120	48	10	.	.	PUNCT
cana-5120	49	1	the	the	DET
cana-5120	49	2	internet	internet	NOUN
cana-5120	49	3	was	be	AUX
cana-5120	49	4	also	also	ADV
cana-5120	49	5	the	the	DET
cana-5120	49	6	least	least	ADV
cana-5120	49	7	expensive	expensive	ADJ
cana-5120	49	8	way	way	NOUN
cana-5120	49	9	to	to	PART
cana-5120	49	10	supply	supply	VERB
cana-5120	49	11	banking	banking	NOUN
cana-5120	49	12	products	product	NOUN
cana-5120	49	13	because	because	SCONJ
cana-5120	49	14	it	it	PRON
cana-5120	49	15	allowed	allow	VERB
cana-5120	49	16	the	the	DET
cana-5120	49	17	organisation	organisation	NOUN
cana-5120	49	18	to	to	PART
cana-5120	49	19	reduce	reduce	VERB
cana-5120	49	20	branch	branch	NOUN
cana-5120	49	21	networks	network	NOUN
cana-5120	49	22	and	and	CCONJ
cana-5120	49	23	service	service	NOUN
cana-5120	49	24	personnel	personnel	NOUN
cana-5120	49	25	.	.	PUNCT
cana-5120	50	1	the	the	DET
cana-5120	50	2	internet	internet	NOUN
cana-5120	50	3	has	have	AUX
cana-5120	50	4	broadened	broaden	VERB
cana-5120	50	5	banks	bank	NOUN
cana-5120	50	6	'	'	PART
cana-5120	50	7	horizons	horizon	NOUN
cana-5120	50	8	and	and	CCONJ
cana-5120	50	9	enabled	enable	VERB
cana-5120	50	10	them	they	PRON
cana-5120	50	11	to	to	PART
cana-5120	50	12	transcend	transcend	VERB
cana-5120	50	13	national	national	ADJ
cana-5120	50	14	and	and	CCONJ
cana-5120	50	15	global	global	ADJ
cana-5120	50	16	borders	border	NOUN
cana-5120	50	17	.	.	PUNCT
cana-5120	51	1	communications	communication	NOUN
cana-5120	51	2	on	on	ADP
cana-5120	51	3	applied	apply	VERB
cana-5120	51	4	nonlinear	nonlinear	ADJ
cana-5120	51	5	analysis	analysis	NOUN
cana-5120	51	6	issn	issn	NOUN
cana-5120	51	7	:	:	PUNCT
cana-5120	51	8	1074	1074	NUM
cana-5120	51	9	-	-	PUNCT
cana-5120	51	10	133x	133x	NUM
cana-5120	51	11	vol	vol	NOUN
cana-5120	51	12	32	32	NUM
cana-5120	51	13	no	no	NOUN
cana-5120	51	14	.	.	PUNCT
cana-5120	52	1	icmasd	icmasd	NOUN
cana-5120	52	2	(	(	PUNCT
cana-5120	52	3	2025	2025	NUM
cana-5120	52	4	)	)	PUNCT
cana-5120	52	5	941	941	NUM
cana-5120	52	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	52	7	sampling	sampling	NOUN
cana-5120	52	8	and	and	CCONJ
cana-5120	52	9	methodology	methodology	NOUN
cana-5120	52	10	the	the	DET
cana-5120	52	11	sample	sample	NOUN
cana-5120	52	12	size	size	NOUN
cana-5120	52	13	is	be	AUX
cana-5120	52	14	500	500	NUM
cana-5120	52	15	.	.	PUNCT
cana-5120	53	1	self	self	NOUN
cana-5120	53	2	made	make	VERB
cana-5120	53	3	questionnaire	questionnaire	NOUN
cana-5120	53	4	is	be	AUX
cana-5120	53	5	used	use	VERB
cana-5120	53	6	in	in	ADP
cana-5120	53	7	this	this	DET
cana-5120	53	8	research	research	NOUN
cana-5120	53	9	to	to	PART
cana-5120	53	10	collect	collect	VERB
cana-5120	53	11	first	first	ADJ
cana-5120	53	12	hand	hand	NOUN
cana-5120	53	13	information	information	NOUN
cana-5120	53	14	from	from	ADP
cana-5120	53	15	the	the	DET
cana-5120	53	16	internet	internet	NOUN
cana-5120	53	17	banking	banking	NOUN
cana-5120	53	18	services	service	NOUN
cana-5120	53	19	users	user	NOUN
cana-5120	53	20	.	.	PUNCT
cana-5120	54	1	purposive	purposive	ADJ
cana-5120	54	2	and	and	CCONJ
cana-5120	54	3	convenient	convenient	ADJ
cana-5120	54	4	sampling	sampling	NOUN
cana-5120	54	5	strategies	strategy	NOUN
cana-5120	54	6	were	be	AUX
cana-5120	54	7	used	use	VERB
cana-5120	54	8	to	to	PART
cana-5120	54	9	choose	choose	VERB
cana-5120	54	10	the	the	DET
cana-5120	54	11	sample	sample	NOUN
cana-5120	54	12	.	.	PUNCT
cana-5120	55	1	four	four	NUM
cana-5120	55	2	locations	location	NOUN
cana-5120	55	3	were	be	AUX
cana-5120	55	4	chosen	choose	VERB
cana-5120	55	5	to	to	PART
cana-5120	55	6	include	include	VERB
cana-5120	55	7	both	both	CCONJ
cana-5120	55	8	urban	urban	ADJ
cana-5120	55	9	and	and	CCONJ
cana-5120	55	10	rural	rural	ADJ
cana-5120	55	11	settings	setting	NOUN
cana-5120	55	12	.	.	PUNCT
cana-5120	56	1	the	the	DET
cana-5120	56	2	data	datum	NOUN
cana-5120	56	3	has	have	AUX
cana-5120	56	4	been	be	AUX
cana-5120	56	5	gathered	gather	VERB
cana-5120	56	6	through	through	ADP
cana-5120	56	7	interviews	interview	NOUN
cana-5120	56	8	and	and	CCONJ
cana-5120	56	9	questionnaires	questionnaire	NOUN
cana-5120	56	10	.	.	PUNCT
cana-5120	57	1	analysis	analysis	NOUN
cana-5120	57	2	and	and	CCONJ
cana-5120	57	3	interpretation	interpretation	NOUN
cana-5120	57	4	the	the	DET
cana-5120	57	5	statistical	statistical	ADJ
cana-5120	57	6	techniques	technique	NOUN
cana-5120	57	7	like	like	AUX
cana-5120	57	8	mean	mean	VERB
cana-5120	57	9	,	,	PUNCT
cana-5120	57	10	correlation	correlation	NOUN
cana-5120	57	11	and	and	CCONJ
cana-5120	57	12	chisquare	chisquare	NOUN
cana-5120	57	13	etc	etc	X
cana-5120	57	14	.	.	X
cana-5120	57	15	are	be	AUX
cana-5120	57	16	used	use	VERB
cana-5120	57	17	for	for	ADP
cana-5120	57	18	analysis	analysis	NOUN
cana-5120	57	19	.	.	PUNCT
cana-5120	58	1	table1	table1	PROPN
cana-5120	58	2	:	:	PUNCT
cana-5120	59	1	demographic	demographic	ADJ
cana-5120	59	2	characteristics	characteristic	NOUN
cana-5120	59	3	of	of	ADP
cana-5120	59	4	the	the	DET
cana-5120	59	5	youngsters	youngster	NOUN
cana-5120	59	6	user	user	NOUN
cana-5120	59	7	and	and	CCONJ
cana-5120	59	8	middleage	middleage	PROPN
cana-5120	59	9	user	user	NOUN
cana-5120	59	10	youngsters	youngster	NOUN
cana-5120	59	11	user	user	NOUN
cana-5120	59	12	(	(	PUNCT
cana-5120	59	13	n=250	n=250	PROPN
cana-5120	59	14	)	)	PUNCT
cana-5120	59	15	middle	middle	ADJ
cana-5120	59	16	-	-	PUNCT
cana-5120	59	17	aged	aged	ADJ
cana-5120	59	18	user	user	NOUN
cana-5120	59	19	(	(	PUNCT
cana-5120	59	20	n=250	n=250	PROPN
cana-5120	59	21	)	)	PUNCT
cana-5120	59	22	total	total	NOUN
cana-5120	59	23	(	(	PUNCT
cana-5120	59	24	n=500	n=500	NOUN
cana-5120	59	25	)	)	PUNCT
cana-5120	59	26	freq	freq	NOUN
cana-5120	59	27	.	.	PUNCT
cana-5120	60	1	percent	percent	NOUN
cana-5120	60	2	freq	freq	NOUN
cana-5120	60	3	.	.	PUNCT
cana-5120	61	1	percent	percent	NOUN
cana-5120	61	2	freq	freq	NOUN
cana-5120	61	3	.	.	PUNCT
cana-5120	62	1	percent	percent	NOUN
cana-5120	62	2	gender	gender	NOUN
cana-5120	62	3	male	male	NOUN
cana-5120	62	4	122	122	NUM
cana-5120	62	5	48.8	48.8	NUM
cana-5120	62	6	124	124	NUM
cana-5120	62	7	49.6	49.6	NUM
cana-5120	62	8	246	246	NUM
cana-5120	62	9	49.2	49.2	NUM
cana-5120	62	10	female	female	NOUN
cana-5120	62	11	128	128	NUM
cana-5120	62	12	51.2	51.2	NUM
cana-5120	62	13	126	126	NUM
cana-5120	62	14	50.4	50.4	NUM
cana-5120	62	15	254	254	NUM
cana-5120	62	16	50.8	50.8	NUM
cana-5120	62	17	education	education	NOUN
cana-5120	62	18	levels	level	NOUN
cana-5120	62	19	matric	matric	VERB
cana-5120	62	20	27	27	NUM
cana-5120	62	21	10.8	10.8	NUM
cana-5120	62	22	40	40	NUM
cana-5120	62	23	16.0	16.0	NUM
cana-5120	62	24	67	67	NUM
cana-5120	62	25	26.8	26.8	NUM
cana-5120	62	26	higher	high	ADJ
cana-5120	62	27	secondary	secondary	ADJ
cana-5120	62	28	68	68	NUM
cana-5120	62	29	27.2	27.2	NUM
cana-5120	62	30	81	81	NUM
cana-5120	62	31	32.4	32.4	NUM
cana-5120	62	32	149	149	NUM
cana-5120	62	33	59.6	59.6	NUM
cana-5120	62	34	graduate	graduate	NOUN
cana-5120	62	35	108	108	NUM
cana-5120	62	36	43.2	43.2	NUM
cana-5120	62	37	66	66	NUM
cana-5120	62	38	26.4	26.4	NUM
cana-5120	62	39	174	174	NUM
cana-5120	62	40	69.6	69.6	NUM
cana-5120	62	41	postgraduate	postgraduate	NOUN
cana-5120	62	42	47	47	NUM
cana-5120	62	43	18.8	18.8	NUM
cana-5120	62	44	63	63	NUM
cana-5120	62	45	25.2	25.2	NUM
cana-5120	62	46	110	110	NUM
cana-5120	62	47	44.0	44.0	NUM
cana-5120	62	48	residence	residence	NOUN
cana-5120	62	49	amritsar	amritsar	PROPN
cana-5120	62	50	63	63	NUM
cana-5120	62	51	25.2	25.2	NUM
cana-5120	62	52	63	63	NUM
cana-5120	62	53	25.2	25.2	NUM
cana-5120	62	54	126	126	NUM
cana-5120	62	55	25.2	25.2	NUM
cana-5120	62	56	ludhiana	ludhiana	NOUN
cana-5120	62	57	62	62	NUM
cana-5120	62	58	24.8	24.8	NUM
cana-5120	62	59	62	62	NUM
cana-5120	62	60	24.8	24.8	NUM
cana-5120	62	61	124	124	NUM
cana-5120	62	62	24.8	24.8	NUM
cana-5120	62	63	firozpur	firozpur	NOUN
cana-5120	62	64	63	63	NUM
cana-5120	62	65	25.2	25.2	NUM
cana-5120	62	66	62	62	NUM
cana-5120	62	67	24.8	24.8	NUM
cana-5120	62	68	125	125	NUM
cana-5120	62	69	25.0	25.0	NUM
cana-5120	62	70	mansa	mansa	PROPN
cana-5120	62	71	62	62	NUM
cana-5120	62	72	24.8	24.8	NUM
cana-5120	62	73	63	63	NUM
cana-5120	62	74	25.2	25.2	NUM
cana-5120	62	75	125	125	NUM
cana-5120	62	76	25.0	25.0	NUM
cana-5120	62	77	occupation	occupation	NOUN
cana-5120	62	78	levels	level	NOUN
cana-5120	62	79	govt	govt	NOUN
cana-5120	62	80	.	.	PUNCT
cana-5120	63	1	employee	employee	NOUN
cana-5120	63	2	45	45	NUM
cana-5120	63	3	18.0	18.0	NUM
cana-5120	63	4	38	38	NUM
cana-5120	63	5	15.2	15.2	NUM
cana-5120	63	6	83	83	NUM
cana-5120	63	7	16.6	16.6	NUM
cana-5120	63	8	private	private	ADJ
cana-5120	63	9	employee	employee	NOUN
cana-5120	63	10	34	34	NUM
cana-5120	63	11	13.6	13.6	NUM
cana-5120	63	12	53	53	NUM
cana-5120	63	13	21.2	21.2	NUM
cana-5120	63	14	87	87	NUM
cana-5120	63	15	17.4	17.4	NUM
cana-5120	63	16	business	business	NOUN
cana-5120	63	17	20	20	NUM
cana-5120	63	18	8.0	8.0	NUM
cana-5120	63	19	83	83	NUM
cana-5120	63	20	33.2	33.2	NUM
cana-5120	63	21	103	103	NUM
cana-5120	63	22	20.6	20.6	NUM
cana-5120	63	23	student	student	NOUN
cana-5120	63	24	126	126	NUM
cana-5120	63	25	50.4	50.4	NUM
cana-5120	63	26	24	24	NUM
cana-5120	63	27	9.6	9.6	NUM
cana-5120	63	28	150	150	NUM
cana-5120	63	29	30.0	30.0	NUM
cana-5120	63	30	housewife	housewife	NOUN
cana-5120	63	31	20	20	NUM
cana-5120	63	32	8.0	8.0	NUM
cana-5120	63	33	38	38	NUM
cana-5120	63	34	15.2	15.2	NUM
cana-5120	63	35	58	58	NUM
cana-5120	63	36	11.6	11.6	NUM
cana-5120	63	37	any	any	DET
cana-5120	63	38	other	other	ADJ
cana-5120	63	39	5	5	NUM
cana-5120	63	40	2.0	2.0	NUM
cana-5120	63	41	14	14	NUM
cana-5120	63	42	5.6	5.6	NUM
cana-5120	63	43	19	19	NUM
cana-5120	63	44	3.8	3.8	NUM
cana-5120	63	45	income	income	NOUN
cana-5120	63	46	levels	level	NOUN
cana-5120	63	47	less	less	ADJ
cana-5120	63	48	than	than	ADP
cana-5120	63	49	25,000	25,000	NUM
cana-5120	63	50	51	51	NUM
cana-5120	63	51	20.4	20.4	NUM
cana-5120	63	52	55	55	NUM
cana-5120	63	53	22.0	22.0	NUM
cana-5120	63	54	106	106	NUM
cana-5120	63	55	21.2	21.2	NUM
cana-5120	63	56	25,000	25,000	NUM
cana-5120	63	57	40,000	40,000	NUM
cana-5120	63	58	58	58	NUM
cana-5120	63	59	23.2	23.2	NUM
cana-5120	63	60	73	73	NUM
cana-5120	63	61	29.2	29.2	NUM
cana-5120	63	62	131	131	NUM
cana-5120	63	63	26.2	26.2	NUM
cana-5120	63	64	40,000	40,000	NUM
cana-5120	63	65	60,000	60,000	NUM
cana-5120	63	66	34	34	NUM
cana-5120	63	67	13.6	13.6	NUM
cana-5120	63	68	48	48	NUM
cana-5120	63	69	19.2	19.2	NUM
cana-5120	63	70	82	82	NUM
cana-5120	63	71	16.4	16.4	NUM
cana-5120	63	72	above	above	ADP
cana-5120	63	73	60,000	60,000	NUM
cana-5120	63	74	15	15	NUM
cana-5120	63	75	6.0	6.0	NUM
cana-5120	63	76	45	45	NUM
cana-5120	63	77	18.0	18.0	NUM
cana-5120	63	78	60	60	NUM
cana-5120	63	79	12.0	12.0	NUM
cana-5120	63	80	none	none	NOUN
cana-5120	63	81	92	92	NUM
cana-5120	63	82	36.8	36.8	NUM
cana-5120	63	83	29	29	NUM
cana-5120	63	84	11.6	11.6	NUM
cana-5120	63	85	121	121	NUM
cana-5120	63	86	24.2	24.2	NUM
cana-5120	63	87	table	table	NOUN
cana-5120	63	88	1	1	NUM
cana-5120	63	89	represents	represent	VERB
cana-5120	63	90	the	the	DET
cana-5120	63	91	characteristics	characteristic	NOUN
cana-5120	63	92	of	of	ADP
cana-5120	63	93	youngsters	youngster	NOUN
cana-5120	63	94	user	user	NOUN
cana-5120	63	95	and	and	CCONJ
cana-5120	63	96	middleaged	middleaged	ADJ
cana-5120	63	97	user	user	NOUN
cana-5120	63	98	who	who	PRON
cana-5120	63	99	used	use	VERB
cana-5120	63	100	internet	internet	NOUN
cana-5120	63	101	banking	banking	NOUN
cana-5120	63	102	.	.	PUNCT
cana-5120	64	1	the	the	DET
cana-5120	64	2	distribution	distribution	NOUN
cana-5120	64	3	of	of	ADP
cana-5120	64	4	gender	gender	NOUN
cana-5120	64	5	:	:	PUNCT
cana-5120	64	6	the	the	DET
cana-5120	64	7	result	result	NOUN
cana-5120	64	8	shows	show	VERB
cana-5120	64	9	that	that	SCONJ
cana-5120	64	10	majority	majority	NOUN
cana-5120	64	11	of	of	ADP
cana-5120	64	12	females	female	NOUN
cana-5120	64	13	(	(	PUNCT
cana-5120	64	14	50.8	50.8	NUM
cana-5120	64	15	%	%	NOUN
cana-5120	64	16	)	)	PUNCT
cana-5120	64	17	compared	compare	VERB
cana-5120	64	18	to	to	ADP
cana-5120	64	19	males	male	NOUN
cana-5120	64	20	(	(	PUNCT
cana-5120	64	21	49.2	49.2	NUM
cana-5120	64	22	%	%	NOUN
cana-5120	64	23	)	)	PUNCT
cana-5120	64	24	among	among	ADP
cana-5120	64	25	all	all	DET
cana-5120	64	26	youngsters	youngster	NOUN
cana-5120	64	27	user	user	NOUN
cana-5120	64	28	and	and	CCONJ
cana-5120	64	29	middleaged	middleaged	ADJ
cana-5120	64	30	users	user	NOUN
cana-5120	64	31	who	who	PRON
cana-5120	64	32	used	use	VERB
cana-5120	64	33	internet	internet	NOUN
cana-5120	64	34	baking	baking	NOUN
cana-5120	64	35	.	.	PUNCT
cana-5120	65	1	further	far	ADV
cana-5120	65	2	,	,	PUNCT
cana-5120	65	3	it	it	PRON
cana-5120	65	4	has	have	AUX
cana-5120	65	5	been	be	AUX
cana-5120	65	6	seen	see	VERB
cana-5120	65	7	that	that	SCONJ
cana-5120	65	8	the	the	PRON
cana-5120	65	9	in	in	ADP
cana-5120	65	10	younger	young	ADJ
cana-5120	65	11	communications	communication	NOUN
cana-5120	65	12	on	on	ADP
cana-5120	65	13	applied	apply	VERB
cana-5120	65	14	nonlinear	nonlinear	ADJ
cana-5120	65	15	analysis	analysis	NOUN
cana-5120	65	16	issn	issn	NOUN
cana-5120	65	17	:	:	PUNCT
cana-5120	65	18	1074	1074	NUM
cana-5120	65	19	-	-	PUNCT
cana-5120	65	20	133x	133x	NUM
cana-5120	65	21	vol	vol	NOUN
cana-5120	65	22	32	32	NUM
cana-5120	65	23	no	no	NOUN
cana-5120	65	24	.	.	PUNCT
cana-5120	66	1	icmasd	icmasd	NOUN
cana-5120	66	2	(	(	PUNCT
cana-5120	66	3	2025	2025	NUM
cana-5120	66	4	)	)	PUNCT
cana-5120	66	5	942	942	NUM
cana-5120	66	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	66	7	users	user	NOUN
cana-5120	66	8	,	,	PUNCT
cana-5120	66	9	there	there	PRON
cana-5120	66	10	is	be	VERB
cana-5120	66	11	a	a	DET
cana-5120	66	12	slightly	slightly	ADV
cana-5120	66	13	higher	high	ADJ
cana-5120	66	14	percentage	percentage	NOUN
cana-5120	66	15	of	of	ADP
cana-5120	66	16	females	female	NOUN
cana-5120	66	17	(	(	PUNCT
cana-5120	66	18	51.2	51.2	NUM
cana-5120	66	19	%	%	NOUN
cana-5120	66	20	)	)	PUNCT
cana-5120	66	21	compared	compare	VERB
cana-5120	66	22	to	to	ADP
cana-5120	66	23	males	male	NOUN
cana-5120	66	24	(	(	PUNCT
cana-5120	66	25	48.8	48.8	NUM
cana-5120	66	26	%	%	NOUN
cana-5120	66	27	)	)	PUNCT
cana-5120	66	28	.	.	PUNCT
cana-5120	67	1	however	however	ADV
cana-5120	67	2	,	,	PUNCT
cana-5120	67	3	in	in	ADP
cana-5120	67	4	the	the	DET
cana-5120	67	5	middle	middle	NOUN
cana-5120	67	6	-	-	PUNCT
cana-5120	67	7	aged	aged	ADJ
cana-5120	67	8	user	user	NOUN
cana-5120	67	9	group	group	NOUN
cana-5120	67	10	,	,	PUNCT
cana-5120	67	11	females	female	NOUN
cana-5120	67	12	make	make	VERB
cana-5120	67	13	up	up	ADP
cana-5120	67	14	the	the	DET
cana-5120	67	15	majority	majority	NOUN
cana-5120	67	16	(	(	PUNCT
cana-5120	67	17	51.2	51.2	NUM
cana-5120	67	18	%	%	NOUN
cana-5120	67	19	)	)	PUNCT
cana-5120	67	20	compared	compare	VERB
cana-5120	67	21	to	to	ADP
cana-5120	67	22	males	male	NOUN
cana-5120	67	23	(	(	PUNCT
cana-5120	67	24	48.8	48.8	NUM
cana-5120	67	25	%	%	NOUN
cana-5120	67	26	)	)	PUNCT
cana-5120	67	27	.	.	PUNCT
cana-5120	68	1	the	the	DET
cana-5120	68	2	distribution	distribution	NOUN
cana-5120	68	3	of	of	ADP
cana-5120	68	4	male	male	NOUN
cana-5120	68	5	and	and	CCONJ
cana-5120	68	6	female	female	ADJ
cana-5120	68	7	between	between	ADP
cana-5120	68	8	youngsters	youngster	NOUN
cana-5120	68	9	user	user	NOUN
cana-5120	68	10	and	and	CCONJ
cana-5120	68	11	middleaged	middleaged	ADJ
cana-5120	68	12	user	user	NOUN
cana-5120	68	13	who	who	PRON
cana-5120	68	14	used	use	VERB
cana-5120	68	15	internet	internet	NOUN
cana-5120	68	16	banking	banking	NOUN
cana-5120	68	17	is	be	AUX
cana-5120	68	18	shown	show	VERB
cana-5120	68	19	in	in	ADP
cana-5120	68	20	figure	figure	NOUN
cana-5120	68	21	1	1	NUM
cana-5120	68	22	the	the	DET
cana-5120	68	23	distribution	distribution	NOUN
cana-5120	68	24	based	base	VERB
cana-5120	68	25	on	on	ADP
cana-5120	68	26	education	education	NOUN
cana-5120	68	27	level	level	NOUN
cana-5120	68	28	:	:	PUNCT
cana-5120	68	29	majorities	majority	NOUN
cana-5120	68	30	of	of	ADP
cana-5120	68	31	user	user	NOUN
cana-5120	68	32	were	be	AUX
cana-5120	68	33	graduate	graduate	ADJ
cana-5120	68	34	(	(	PUNCT
cana-5120	68	35	69.6	69.6	NUM
cana-5120	68	36	%	%	NOUN
cana-5120	68	37	)	)	PUNCT
cana-5120	68	38	followed	follow	VERB
cana-5120	68	39	by	by	ADP
cana-5120	68	40	higher	high	ADJ
cana-5120	68	41	secondary	secondary	ADJ
cana-5120	68	42	(	(	PUNCT
cana-5120	68	43	59.6	59.6	NUM
cana-5120	68	44	%	%	NOUN
cana-5120	68	45	)	)	PUNCT
cana-5120	68	46	,	,	PUNCT
cana-5120	68	47	postgraduate	postgraduate	NOUN
cana-5120	68	48	(	(	PUNCT
cana-5120	68	49	44.0	44.0	NUM
cana-5120	68	50	%	%	NOUN
cana-5120	68	51	)	)	PUNCT
cana-5120	68	52	and	and	CCONJ
cana-5120	68	53	few	few	ADJ
cana-5120	68	54	users	user	NOUN
cana-5120	68	55	were	be	AUX
cana-5120	68	56	matric	matric	NOUN
cana-5120	68	57	(	(	PUNCT
cana-5120	68	58	26.8	26.8	NUM
cana-5120	68	59	%	%	NOUN
cana-5120	68	60	)	)	PUNCT
cana-5120	68	61	respectively	respectively	ADV
cana-5120	68	62	.	.	PUNCT
cana-5120	69	1	in	in	ADP
cana-5120	69	2	youngsters	youngster	NOUN
cana-5120	69	3	user	user	NOUN
cana-5120	69	4	,	,	PUNCT
cana-5120	69	5	education	education	NOUN
cana-5120	69	6	levels	level	NOUN
cana-5120	69	7	were	be	AUX
cana-5120	69	8	as	as	ADP
cana-5120	69	9	graduate	graduate	NOUN
cana-5120	69	10	(	(	PUNCT
cana-5120	69	11	43.2	43.2	NUM
cana-5120	69	12	%	%	NOUN
cana-5120	69	13	)	)	PUNCT
cana-5120	69	14	followed	follow	VERB
cana-5120	69	15	by	by	ADP
cana-5120	69	16	higher	high	ADJ
cana-5120	69	17	secondary	secondary	ADJ
cana-5120	69	18	(	(	PUNCT
cana-5120	69	19	27.2	27.2	NUM
cana-5120	69	20	%	%	NOUN
cana-5120	69	21	)	)	PUNCT
cana-5120	69	22	,	,	PUNCT
cana-5120	69	23	postgraduate	postgraduate	NOUN
cana-5120	69	24	(	(	PUNCT
cana-5120	69	25	18.8	18.8	NUM
cana-5120	69	26	%	%	NOUN
cana-5120	69	27	)	)	PUNCT
cana-5120	69	28	and	and	CCONJ
cana-5120	69	29	few	few	ADJ
cana-5120	69	30	users	user	NOUN
cana-5120	69	31	were	be	AUX
cana-5120	69	32	matric	matric	NOUN
cana-5120	69	33	(	(	PUNCT
cana-5120	69	34	18.8	18.8	NUM
cana-5120	69	35	%	%	NOUN
cana-5120	69	36	)	)	PUNCT
cana-5120	69	37	respectively	respectively	ADV
cana-5120	69	38	.	.	PUNCT
cana-5120	70	1	in	in	ADP
cana-5120	70	2	middle	middle	ADJ
cana-5120	70	3	aged	aged	ADJ
cana-5120	70	4	user	user	NOUN
cana-5120	70	5	majorities	majority	NOUN
cana-5120	70	6	of	of	ADP
cana-5120	70	7	respondent	respondent	NOUN
cana-5120	70	8	were	be	AUX
cana-5120	70	9	higher	high	ADJ
cana-5120	70	10	secondary	secondary	ADJ
cana-5120	70	11	(	(	PUNCT
cana-5120	70	12	32.4	32.4	NUM
cana-5120	70	13	%	%	NOUN
cana-5120	70	14	)	)	PUNCT
cana-5120	70	15	followed	follow	VERB
cana-5120	70	16	by	by	ADP
cana-5120	70	17	graduate	graduate	NOUN
cana-5120	70	18	(	(	PUNCT
cana-5120	70	19	26.4	26.4	NUM
cana-5120	70	20	%	%	NOUN
cana-5120	70	21	)	)	PUNCT
cana-5120	70	22	,	,	PUNCT
cana-5120	70	23	postgraduate	postgraduate	NOUN
cana-5120	70	24	(	(	PUNCT
cana-5120	70	25	25.4	25.4	NUM
cana-5120	70	26	%	%	NOUN
cana-5120	70	27	)	)	PUNCT
cana-5120	70	28	and	and	CCONJ
cana-5120	70	29	few	few	ADJ
cana-5120	70	30	users	user	NOUN
cana-5120	70	31	were	be	AUX
cana-5120	70	32	matric(16.0	matric(16.0	NOUN
cana-5120	70	33	%	%	NOUN
cana-5120	70	34	)	)	PUNCT
cana-5120	70	35	respectively	respectively	ADV
cana-5120	70	36	.	.	PUNCT
cana-5120	71	1	the	the	DET
cana-5120	71	2	distribution	distribution	NOUN
cana-5120	71	3	of	of	ADP
cana-5120	71	4	levels	level	NOUN
cana-5120	71	5	of	of	ADP
cana-5120	71	6	education	education	NOUN
cana-5120	71	7	among	among	ADP
cana-5120	71	8	user	user	NOUN
cana-5120	71	9	is	be	AUX
cana-5120	71	10	shown	show	VERB
cana-5120	71	11	in	in	ADP
cana-5120	71	12	figure	figure	NOUN
cana-5120	71	13	2	2	NUM
cana-5120	71	14	.	.	PUNCT
cana-5120	71	15	figure	figure	NOUN
cana-5120	71	16	2	2	NUM
cana-5120	71	17	:	:	PUNCT
cana-5120	71	18	the	the	DET
cana-5120	71	19	distribution	distribution	NOUN
cana-5120	71	20	of	of	ADP
cana-5120	71	21	education	education	NOUN
cana-5120	71	22	level	level	NOUN
cana-5120	71	23	among	among	ADP
cana-5120	71	24	youngsters	youngster	NOUN
cana-5120	71	25	user	user	NOUN
cana-5120	71	26	and	and	CCONJ
cana-5120	71	27	middleage	middleage	PROPN
cana-5120	71	28	user	user	NOUN
cana-5120	71	29	the	the	DET
cana-5120	71	30	distribution	distribution	NOUN
cana-5120	71	31	based	base	VERB
cana-5120	71	32	on	on	ADP
cana-5120	71	33	residence	residence	NOUN
cana-5120	71	34	:	:	PUNCT
cana-5120	71	35	equal	equal	ADJ
cana-5120	71	36	sample	sample	NOUN
cana-5120	71	37	with	with	ADP
cana-5120	71	38	25	25	NUM
cana-5120	71	39	percent	percent	NOUN
cana-5120	71	40	each	each	DET
cana-5120	71	41	youngsters	youngster	NOUN
cana-5120	71	42	user	user	NOUN
cana-5120	71	43	and	and	CCONJ
cana-5120	71	44	middleaged	middleaged	ADJ
cana-5120	71	45	user	user	NOUN
cana-5120	71	46	taken	take	VERB
cana-5120	71	47	from	from	ADP
cana-5120	71	48	each	each	DET
cana-5120	71	49	amritsar	amritsar	PROPN
cana-5120	71	50	,	,	PUNCT
cana-5120	71	51	ludhiana	ludhiana	PROPN
cana-5120	71	52	,	,	PUNCT
cana-5120	71	53	firozpur	firozpur	NOUN
cana-5120	71	54	and	and	CCONJ
cana-5120	71	55	mansa	mansa	PROPN
cana-5120	71	56	districts	district	NOUN
cana-5120	71	57	.	.	PUNCT
cana-5120	72	1	48.8	48.8	NUM
cana-5120	72	2	%	%	NOUN
cana-5120	72	3	49.6	49.6	NUM
cana-5120	72	4	%	%	NOUN
cana-5120	72	5	51.2	51.2	NUM
cana-5120	72	6	%	%	NOUN
cana-5120	72	7	50.4	50.4	NUM
cana-5120	72	8	%	%	NOUN
cana-5120	72	9	47.5	47.5	NUM
cana-5120	72	10	%	%	NOUN
cana-5120	72	11	48.0	48.0	NUM
cana-5120	72	12	%	%	NOUN
cana-5120	72	13	48.5	48.5	NUM
cana-5120	72	14	%	%	NOUN
cana-5120	72	15	49.0	49.0	NUM
cana-5120	72	16	%	%	NOUN
cana-5120	72	17	49.5	49.5	NUM
cana-5120	72	18	%	%	NOUN
cana-5120	72	19	50.0	50.0	NUM
cana-5120	72	20	%	%	NOUN
cana-5120	72	21	50.5	50.5	NUM
cana-5120	72	22	%	%	NOUN
cana-5120	72	23	51.0	51.0	NUM
cana-5120	72	24	%	%	NOUN
cana-5120	72	25	51.5	51.5	NUM
cana-5120	72	26	%	%	NOUN
cana-5120	72	27	youngsters	youngster	NOUN
cana-5120	72	28	user	user	NOUN
cana-5120	72	29	middle	middle	NOUN
cana-5120	72	30	-	-	PUNCT
cana-5120	72	31	aged	aged	ADJ
cana-5120	72	32	user	user	NOUN
cana-5120	72	33	male	male	ADJ
cana-5120	72	34	female	female	ADJ
cana-5120	72	35	10.8	10.8	NUM
cana-5120	72	36	27.2	27.2	NUM
cana-5120	72	37	43.2	43.2	NUM
cana-5120	72	38	18.816	18.816	NUM
cana-5120	72	39	32.4	32.4	NUM
cana-5120	72	40	26.4	26.4	NUM
cana-5120	72	41	25.2	25.2	NUM
cana-5120	72	42	0	0	NUM
cana-5120	72	43	20	20	NUM
cana-5120	72	44	40	40	NUM
cana-5120	72	45	60	60	NUM
cana-5120	72	46	80	80	NUM
cana-5120	72	47	100	100	NUM
cana-5120	72	48	matric	matric	NOUN
cana-5120	72	49	higher	high	ADJ
cana-5120	72	50	secondary	secondary	ADJ
cana-5120	72	51	graduate	graduate	NOUN
cana-5120	72	52	postgraduate	postgraduate	NOUN
cana-5120	72	53	youngsters	youngster	NOUN
cana-5120	72	54	user	user	NOUN
cana-5120	72	55	middle	middle	NOUN
cana-5120	72	56	-	-	PUNCT
cana-5120	72	57	aged	aged	ADJ
cana-5120	72	58	user	user	NOUN
cana-5120	72	59	communications	communication	NOUN
cana-5120	72	60	on	on	ADP
cana-5120	72	61	applied	apply	VERB
cana-5120	72	62	nonlinear	nonlinear	ADJ
cana-5120	72	63	analysis	analysis	NOUN
cana-5120	72	64	issn	issn	NOUN
cana-5120	72	65	:	:	PUNCT
cana-5120	72	66	1074	1074	NUM
cana-5120	72	67	-	-	PUNCT
cana-5120	72	68	133x	133x	NUM
cana-5120	72	69	vol	vol	NOUN
cana-5120	72	70	32	32	NUM
cana-5120	72	71	no	no	NOUN
cana-5120	72	72	.	.	PUNCT
cana-5120	73	1	icmasd	icmasd	NOUN
cana-5120	73	2	(	(	PUNCT
cana-5120	73	3	2025	2025	NUM
cana-5120	73	4	)	)	PUNCT
cana-5120	74	1	943	943	NUM
cana-5120	74	2	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	74	3	fig	fig	NOUN
cana-5120	74	4	.	.	PUNCT
cana-5120	75	1	3	3	NUM
cana-5120	75	2	:	:	PUNCT
cana-5120	75	3	represents	represent	VERB
cana-5120	75	4	the	the	DET
cana-5120	75	5	distribution	distribution	NOUN
cana-5120	75	6	on	on	ADP
cana-5120	75	7	the	the	DET
cana-5120	75	8	basis	basis	NOUN
cana-5120	75	9	of	of	ADP
cana-5120	75	10	residence	residence	NOUN
cana-5120	75	11	.	.	PUNCT
cana-5120	76	1	the	the	DET
cana-5120	76	2	distribution	distribution	NOUN
cana-5120	76	3	based	base	VERB
cana-5120	76	4	on	on	ADP
cana-5120	76	5	occupation	occupation	NOUN
cana-5120	76	6	:	:	PUNCT
cana-5120	76	7	the	the	DET
cana-5120	76	8	majorities	majority	NOUN
cana-5120	76	9	of	of	ADP
cana-5120	76	10	user	user	NOUN
cana-5120	76	11	were	be	AUX
cana-5120	76	12	students	student	NOUN
cana-5120	76	13	(	(	PUNCT
cana-5120	76	14	30	30	NUM
cana-5120	76	15	%	%	NOUN
cana-5120	76	16	)	)	PUNCT
cana-5120	76	17	followed	follow	VERB
cana-5120	76	18	by	by	ADP
cana-5120	76	19	business	business	NOUN
cana-5120	76	20	(	(	PUNCT
cana-5120	76	21	20.6	20.6	NUM
cana-5120	76	22	%	%	NOUN
cana-5120	76	23	)	)	PUNCT
cana-5120	76	24	,	,	PUNCT
cana-5120	76	25	private	private	ADJ
cana-5120	76	26	employee	employee	NOUN
cana-5120	76	27	(	(	PUNCT
cana-5120	76	28	17.4	17.4	NUM
cana-5120	76	29	%	%	NOUN
cana-5120	76	30	)	)	PUNCT
cana-5120	76	31	,	,	PUNCT
cana-5120	76	32	govt	govt	NOUN
cana-5120	76	33	.	.	PUNCT
cana-5120	77	1	employee	employee	NOUN
cana-5120	77	2	(	(	PUNCT
cana-5120	77	3	16.6	16.6	NUM
cana-5120	77	4	%	%	NOUN
cana-5120	77	5	)	)	PUNCT
cana-5120	77	6	and	and	CCONJ
cana-5120	77	7	few	few	ADJ
cana-5120	77	8	were	be	AUX
cana-5120	77	9	housewife	housewife	NOUN
cana-5120	77	10	(	(	PUNCT
cana-5120	77	11	11.6	11.6	NUM
cana-5120	77	12	%	%	NOUN
cana-5120	77	13	)	)	PUNCT
cana-5120	77	14	and	and	CCONJ
cana-5120	77	15	3.8	3.8	NUM
cana-5120	77	16	%	%	NOUN
cana-5120	77	17	user	user	NOUN
cana-5120	77	18	have	have	VERB
cana-5120	77	19	any	any	DET
cana-5120	77	20	other	other	ADJ
cana-5120	77	21	type	type	NOUN
cana-5120	77	22	job	job	NOUN
cana-5120	77	23	respectively	respectively	ADV
cana-5120	77	24	.	.	PUNCT
cana-5120	78	1	among	among	ADP
cana-5120	78	2	youngster	youngster	ADJ
cana-5120	78	3	users	user	NOUN
cana-5120	78	4	,	,	PUNCT
cana-5120	78	5	the	the	DET
cana-5120	78	6	majority	majority	NOUN
cana-5120	78	7	were	be	AUX
cana-5120	78	8	students	student	NOUN
cana-5120	78	9	(	(	PUNCT
cana-5120	78	10	50.4	50.4	NUM
cana-5120	78	11	%	%	NOUN
cana-5120	78	12	)	)	PUNCT
cana-5120	78	13	followed	follow	VERB
cana-5120	78	14	by	by	ADP
cana-5120	78	15	govt	govt	NOUN
cana-5120	78	16	.	.	PUNCT
cana-5120	79	1	employee	employee	NOUN
cana-5120	79	2	(	(	PUNCT
cana-5120	79	3	18.8	18.8	NUM
cana-5120	79	4	%	%	NOUN
cana-5120	79	5	)	)	PUNCT
cana-5120	79	6	,	,	PUNCT
cana-5120	79	7	private	private	ADJ
cana-5120	79	8	employees	employee	NOUN
cana-5120	79	9	(	(	PUNCT
cana-5120	79	10	13.6	13.6	NUM
cana-5120	79	11	%	%	NOUN
cana-5120	79	12	)	)	PUNCT
cana-5120	79	13	,	,	PUNCT
cana-5120	79	14	business(8	business(8	PROPN
cana-5120	79	15	%	%	NOUN
cana-5120	79	16	)	)	PUNCT
cana-5120	79	17	,	,	PUNCT
cana-5120	79	18	housewife(8	housewife(8	PROPN
cana-5120	79	19	%	%	NOUN
cana-5120	79	20	)	)	PUNCT
cana-5120	79	21	and	and	CCONJ
cana-5120	79	22	very	very	ADV
cana-5120	79	23	few	few	ADJ
cana-5120	79	24	have	have	VERB
cana-5120	79	25	other	other	ADJ
cana-5120	79	26	type	type	NOUN
cana-5120	79	27	job	job	NOUN
cana-5120	79	28	(	(	PUNCT
cana-5120	79	29	2.0	2.0	NUM
cana-5120	79	30	%	%	NOUN
cana-5120	79	31	)	)	PUNCT
cana-5120	79	32	respectively	respectively	ADV
cana-5120	79	33	,	,	PUNCT
cana-5120	79	34	where	where	SCONJ
cana-5120	79	35	in	in	ADP
cana-5120	79	36	middle	middle	ADJ
cana-5120	79	37	-	-	PUNCT
cana-5120	79	38	aged	aged	ADJ
cana-5120	79	39	user	user	NOUN
cana-5120	79	40	,	,	PUNCT
cana-5120	79	41	occupation	occupation	NOUN
cana-5120	79	42	were	be	AUX
cana-5120	79	43	business	business	NOUN
cana-5120	79	44	(	(	PUNCT
cana-5120	79	45	33.2	33.2	NUM
cana-5120	79	46	%	%	NOUN
cana-5120	79	47	)	)	PUNCT
cana-5120	79	48	,	,	PUNCT
cana-5120	80	1	private	private	ADJ
cana-5120	80	2	employees	employee	NOUN
cana-5120	80	3	(	(	PUNCT
cana-5120	80	4	21.2	21.2	NUM
cana-5120	80	5	%	%	NOUN
cana-5120	80	6	)	)	PUNCT
cana-5120	80	7	,	,	PUNCT
cana-5120	80	8	govt	govt	NOUN
cana-5120	80	9	.	.	PUNCT
cana-5120	81	1	employee	employee	NOUN
cana-5120	81	2	(	(	PUNCT
cana-5120	81	3	15.2	15.2	NUM
cana-5120	81	4	%	%	NOUN
cana-5120	81	5	)	)	PUNCT
cana-5120	81	6	,	,	PUNCT
cana-5120	81	7	housewife(15.2	housewife(15.2	NUM
cana-5120	81	8	%	%	NOUN
cana-5120	81	9	)	)	PUNCT
cana-5120	81	10	,	,	PUNCT
cana-5120	81	11	students(9.6	students(9.6	NOUN
cana-5120	81	12	%	%	NOUN
cana-5120	81	13	)	)	PUNCT
cana-5120	81	14	and	and	CCONJ
cana-5120	81	15	very	very	ADV
cana-5120	81	16	few	few	ADJ
cana-5120	81	17	have	have	VERB
cana-5120	81	18	other	other	ADJ
cana-5120	81	19	type	type	NOUN
cana-5120	81	20	job	job	NOUN
cana-5120	81	21	(	(	PUNCT
cana-5120	81	22	5.6	5.6	NUM
cana-5120	81	23	%	%	NOUN
cana-5120	81	24	)	)	PUNCT
cana-5120	81	25	respectively	respectively	ADV
cana-5120	81	26	.	.	PUNCT
cana-5120	82	1	the	the	DET
cana-5120	82	2	distribution	distribution	NOUN
cana-5120	82	3	of	of	ADP
cana-5120	82	4	levels	level	NOUN
cana-5120	82	5	of	of	ADP
cana-5120	82	6	occupation	occupation	NOUN
cana-5120	82	7	among	among	ADP
cana-5120	82	8	user	user	NOUN
cana-5120	82	9	is	be	AUX
cana-5120	82	10	shown	show	VERB
cana-5120	82	11	in	in	ADP
cana-5120	82	12	figure	figure	NOUN
cana-5120	82	13	4	4	NUM
cana-5120	82	14	.	.	PUNCT
cana-5120	82	15	figure	figure	VERB
cana-5120	82	16	4	4	NUM
cana-5120	82	17	:	:	PUNCT
cana-5120	82	18	distribution	distribution	NOUN
cana-5120	82	19	of	of	ADP
cana-5120	82	20	occupation	occupation	NOUN
cana-5120	82	21	the	the	DET
cana-5120	82	22	distribution	distribution	NOUN
cana-5120	82	23	based	base	VERB
cana-5120	82	24	on	on	ADP
cana-5120	82	25	income	income	NOUN
cana-5120	82	26	level	level	NOUN
cana-5120	82	27	:	:	PUNCT
cana-5120	82	28	out	out	ADP
cana-5120	82	29	of	of	ADP
cana-5120	82	30	total	total	ADJ
cana-5120	82	31	user	user	NOUN
cana-5120	82	32	,	,	PUNCT
cana-5120	82	33	24.2	24.2	NUM
cana-5120	82	34	%	%	NOUN
cana-5120	82	35	do	do	AUX
cana-5120	82	36	not	not	PART
cana-5120	82	37	have	have	VERB
cana-5120	82	38	income	income	NOUN
cana-5120	82	39	either	either	CCONJ
cana-5120	82	40	students	student	NOUN
cana-5120	82	41	or	or	CCONJ
cana-5120	82	42	may	may	AUX
cana-5120	82	43	be	be	AUX
cana-5120	82	44	staying	stay	VERB
cana-5120	82	45	at	at	ADP
cana-5120	82	46	home	home	NOUN
cana-5120	82	47	,	,	PUNCT
cana-5120	82	48	where	where	SCONJ
cana-5120	82	49	26.2	26.2	NUM
cana-5120	82	50	%	%	NOUN
cana-5120	82	51	user	user	NOUN
cana-5120	82	52	have	have	VERB
cana-5120	82	53	income	income	NOUN
cana-5120	82	54	level	level	NOUN
cana-5120	82	55	rs.25000	rs.25000	PROPN
cana-5120	82	56	-	-	SYM
cana-5120	82	57	40000	40000	NUM
cana-5120	82	58	,	,	PUNCT
cana-5120	82	59	21.2	21.2	NUM
cana-5120	82	60	%	%	NOUN
cana-5120	82	61	have	have	VERB
cana-5120	82	62	less	less	ADJ
cana-5120	82	63	than	than	ADP
cana-5120	82	64	rs	rs	NOUN
cana-5120	82	65	25000	25000	NUM
cana-5120	82	66	,	,	PUNCT
cana-5120	82	67	16.5	16.5	NUM
cana-5120	82	68	%	%	NOUN
cana-5120	82	69	user	user	NOUN
cana-5120	82	70	have	have	AUX
cana-5120	82	71	income	income	NOUN
cana-5120	82	72	25	25	NUM
cana-5120	82	73	25	25	NUM
cana-5120	82	74	25	25	NUM
cana-5120	82	75	2525	2525	NUM
cana-5120	82	76	25	25	NUM
cana-5120	82	77	25	25	NUM
cana-5120	82	78	25	25	NUM
cana-5120	82	79	0	0	NUM
cana-5120	82	80	5	5	NUM
cana-5120	82	81	10	10	NUM
cana-5120	82	82	15	15	NUM
cana-5120	82	83	20	20	NUM
cana-5120	82	84	25	25	NUM
cana-5120	82	85	amritsar	amritsar	PROPN
cana-5120	82	86	ludhiana	ludhiana	PROPN
cana-5120	82	87	firozpur	firozpur	PROPN
cana-5120	82	88	mansa	mansa	PROPN
cana-5120	82	89	youngsters	youngsters	PROPN
cana-5120	82	90	user	user	PROPN
cana-5120	82	91	middle	middle	NOUN
cana-5120	82	92	-	-	PUNCT
cana-5120	82	93	aged	aged	ADJ
cana-5120	82	94	user	user	NOUN
cana-5120	82	95	18	18	NUM
cana-5120	82	96	13.6	13.6	NUM
cana-5120	82	97	8	8	NUM
cana-5120	82	98	50.4	50.4	NUM
cana-5120	82	99	8	8	NUM
cana-5120	82	100	2	2	NUM
cana-5120	82	101	15.2	15.2	NUM
cana-5120	82	102	21.2	21.2	NUM
cana-5120	82	103	33.2	33.2	NUM
cana-5120	82	104	9.6	9.6	NUM
cana-5120	82	105	15.2	15.2	NUM
cana-5120	82	106	5.6	5.6	NUM
cana-5120	82	107	0	0	NUM
cana-5120	82	108	10	10	NUM
cana-5120	82	109	20	20	NUM
cana-5120	82	110	30	30	NUM
cana-5120	82	111	40	40	NUM
cana-5120	82	112	50	50	NUM
cana-5120	82	113	60	60	NUM
cana-5120	82	114	govt	govt	NOUN
cana-5120	82	115	.	.	PUNCT
cana-5120	83	1	employee	employee	NOUN
cana-5120	83	2	private	private	ADJ
cana-5120	83	3	employee	employee	NOUN
cana-5120	83	4	business	business	NOUN
cana-5120	83	5	student	student	NOUN
cana-5120	83	6	housewife	housewife	NOUN
cana-5120	83	7	any	any	DET
cana-5120	83	8	other	other	ADJ
cana-5120	83	9	youngsters	youngster	NOUN
cana-5120	83	10	user	user	NOUN
cana-5120	83	11	middle	middle	NOUN
cana-5120	83	12	-	-	PUNCT
cana-5120	83	13	aged	aged	ADJ
cana-5120	83	14	user	user	NOUN
cana-5120	83	15	communications	communication	NOUN
cana-5120	83	16	on	on	ADP
cana-5120	83	17	applied	apply	VERB
cana-5120	83	18	nonlinear	nonlinear	ADJ
cana-5120	83	19	analysis	analysis	NOUN
cana-5120	83	20	issn	issn	NOUN
cana-5120	83	21	:	:	PUNCT
cana-5120	83	22	1074	1074	NUM
cana-5120	83	23	-	-	PUNCT
cana-5120	83	24	133x	133x	NUM
cana-5120	83	25	vol	vol	NOUN
cana-5120	83	26	32	32	NUM
cana-5120	83	27	no	no	NOUN
cana-5120	83	28	.	.	PUNCT
cana-5120	84	1	icmasd	icmasd	NOUN
cana-5120	84	2	(	(	PUNCT
cana-5120	84	3	2025	2025	NUM
cana-5120	84	4	)	)	PUNCT
cana-5120	84	5	944	944	NUM
cana-5120	84	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	84	7	level	level	NOUN
cana-5120	84	8	rs.40000	rs.40000	PROPN
cana-5120	84	9	-	-	SYM
cana-5120	84	10	60000	60000	NUM
cana-5120	84	11	,	,	PUNCT
cana-5120	84	12	and	and	CCONJ
cana-5120	84	13	12	12	NUM
cana-5120	84	14	%	%	NOUN
cana-5120	84	15	user	user	NOUN
cana-5120	84	16	have	have	VERB
cana-5120	84	17	income	income	NOUN
cana-5120	84	18	rs	rs	NOUN
cana-5120	84	19	60000	60000	NUM
cana-5120	84	20	and	and	CCONJ
cana-5120	84	21	above	above	ADP
cana-5120	84	22	respectively	respectively	ADV
cana-5120	84	23	.	.	PUNCT
cana-5120	85	1	youngsters	youngster	NOUN
cana-5120	85	2	user	user	NOUN
cana-5120	85	3	showing	show	VERB
cana-5120	85	4	income	income	NOUN
cana-5120	85	5	level	level	NOUN
cana-5120	85	6	as	as	ADP
cana-5120	85	7	less	less	ADJ
cana-5120	85	8	than	than	ADP
cana-5120	85	9	rs.25000	rs.25000	PROPN
cana-5120	85	10	(	(	PUNCT
cana-5120	85	11	20.4	20.4	NUM
cana-5120	85	12	%	%	NOUN
cana-5120	85	13	)	)	PUNCT
cana-5120	85	14	,	,	PUNCT
cana-5120	85	15	rs.25000	rs.25000	PROPN
cana-5120	85	16	-	-	SYM
cana-5120	85	17	40000	40000	NUM
cana-5120	85	18	(	(	PUNCT
cana-5120	85	19	23.2	23.2	NUM
cana-5120	85	20	%	%	NOUN
cana-5120	85	21	)	)	PUNCT
cana-5120	85	22	,	,	PUNCT
cana-5120	85	23	rs.40000	rs.40000	PROPN
cana-5120	85	24	-	-	SYM
cana-5120	85	25	60000	60000	NUM
cana-5120	85	26	(	(	PUNCT
cana-5120	85	27	13.6	13.6	NUM
cana-5120	85	28	%	%	NOUN
cana-5120	85	29	)	)	PUNCT
cana-5120	85	30	,	,	PUNCT
cana-5120	85	31	rs	rs	NOUN
cana-5120	85	32	.	.	PROPN
cana-5120	85	33	60000	60000	NUM
cana-5120	85	34	and	and	CCONJ
cana-5120	85	35	above	above	ADV
cana-5120	85	36	(	(	PUNCT
cana-5120	85	37	6.0	6.0	NUM
cana-5120	85	38	%	%	NOUN
cana-5120	85	39	)	)	PUNCT
cana-5120	85	40	and	and	CCONJ
cana-5120	85	41	36.8	36.8	NUM
cana-5120	85	42	%	%	NOUN
cana-5120	85	43	user	user	NOUN
cana-5120	85	44	do	do	AUX
cana-5120	85	45	not	not	PART
cana-5120	85	46	have	have	VERB
cana-5120	85	47	income	income	NOUN
cana-5120	85	48	and	and	CCONJ
cana-5120	85	49	where	where	SCONJ
cana-5120	85	50	middle	middle	NOUN
cana-5120	85	51	-	-	PUNCT
cana-5120	85	52	aged	aged	ADJ
cana-5120	85	53	user	user	NOUN
cana-5120	85	54	showing	show	VERB
cana-5120	85	55	income	income	NOUN
cana-5120	85	56	level	level	NOUN
cana-5120	85	57	as	as	ADP
cana-5120	85	58	less	less	ADJ
cana-5120	85	59	than	than	ADP
cana-5120	85	60	rs.25000	rs.25000	PROPN
cana-5120	85	61	(	(	PUNCT
cana-5120	85	62	22.0	22.0	NUM
cana-5120	85	63	%	%	NOUN
cana-5120	85	64	)	)	PUNCT
cana-5120	85	65	,	,	PUNCT
cana-5120	85	66	rs.25000	rs.25000	PROPN
cana-5120	85	67	-	-	SYM
cana-5120	85	68	40000	40000	NUM
cana-5120	85	69	(	(	PUNCT
cana-5120	85	70	29.2	29.2	NUM
cana-5120	85	71	%	%	NOUN
cana-5120	85	72	)	)	PUNCT
cana-5120	85	73	,	,	PUNCT
cana-5120	85	74	rs.4000060000	rs.4000060000	PROPN
cana-5120	85	75	(	(	PUNCT
cana-5120	85	76	19.2	19.2	NUM
cana-5120	85	77	%	%	NOUN
cana-5120	85	78	)	)	PUNCT
cana-5120	85	79	,	,	PUNCT
cana-5120	85	80	rs	rs	NOUN
cana-5120	85	81	.	.	PROPN
cana-5120	85	82	60000	60000	NUM
cana-5120	85	83	and	and	CCONJ
cana-5120	85	84	above	above	ADV
cana-5120	85	85	(	(	PUNCT
cana-5120	85	86	18.0	18.0	NUM
cana-5120	85	87	%	%	NOUN
cana-5120	85	88	)	)	PUNCT
cana-5120	85	89	and	and	CCONJ
cana-5120	85	90	11.6	11.6	NUM
cana-5120	85	91	%	%	NOUN
cana-5120	85	92	user	user	NOUN
cana-5120	85	93	do	do	AUX
cana-5120	85	94	not	not	PART
cana-5120	85	95	have	have	VERB
cana-5120	85	96	income	income	NOUN
cana-5120	85	97	.	.	PUNCT
cana-5120	86	1	proportion	proportion	NOUN
cana-5120	86	2	of	of	ADP
cana-5120	86	3	income	income	NOUN
cana-5120	86	4	among	among	ADP
cana-5120	86	5	youngsters	youngster	NOUN
cana-5120	86	6	and	and	CCONJ
cana-5120	86	7	middle	middle	ADJ
cana-5120	86	8	-	-	PUNCT
cana-5120	86	9	aged	aged	ADJ
cana-5120	86	10	user	user	NOUN
cana-5120	86	11	is	be	AUX
cana-5120	86	12	shown	show	VERB
cana-5120	86	13	in	in	ADP
cana-5120	86	14	figure	figure	NOUN
cana-5120	86	15	5	5	NUM
cana-5120	86	16	.	.	PUNCT
cana-5120	87	1	figure5	figure5	ADJ
cana-5120	87	2	:	:	PUNCT
cana-5120	87	3	proportion	proportion	NOUN
cana-5120	87	4	of	of	ADP
cana-5120	87	5	income	income	NOUN
cana-5120	87	6	level	level	NOUN
cana-5120	87	7	among	among	ADP
cana-5120	87	8	youngsters	youngster	NOUN
cana-5120	87	9	and	and	CCONJ
cana-5120	87	10	middle	middle	ADJ
cana-5120	87	11	-	-	PUNCT
cana-5120	87	12	aged	aged	ADJ
cana-5120	87	13	user	user	NOUN
cana-5120	87	14	interpretation	interpretation	NOUN
cana-5120	87	15	the	the	DET
cana-5120	87	16	interpretation	interpretation	NOUN
cana-5120	87	17	of	of	ADP
cana-5120	87	18	analyzed	analyze	VERB
cana-5120	87	19	data	data	NOUN
cana-5120	87	20	is	be	AUX
cana-5120	87	21	as	as	ADP
cana-5120	87	22	follow	follow	NOUN
cana-5120	87	23	table	table	NOUN
cana-5120	87	24	2	2	NUM
cana-5120	87	25	:	:	PUNCT
cana-5120	87	26	the	the	DET
cana-5120	87	27	association	association	NOUN
cana-5120	87	28	of	of	ADP
cana-5120	87	29	characteristics	characteristic	NOUN
cana-5120	87	30	between	between	ADP
cana-5120	87	31	youngsters	youngster	NOUN
cana-5120	87	32	user	user	NOUN
cana-5120	87	33	and	and	CCONJ
cana-5120	87	34	middleaged	middleaged	ADJ
cana-5120	87	35	user	user	NOUN
cana-5120	87	36	youngsters	youngster	NOUN
cana-5120	87	37	user	user	NOUN
cana-5120	87	38	(	(	PUNCT
cana-5120	87	39	n=250	n=250	ADJ
cana-5120	87	40	)	)	PUNCT
cana-5120	87	41	middleaged	middleaged	ADJ
cana-5120	87	42	user	user	NOUN
cana-5120	87	43	(	(	PUNCT
cana-5120	87	44	n=250	n=250	PROPN
cana-5120	87	45	)	)	PUNCT
cana-5120	87	46	chisquare	chisquare	NOUN
cana-5120	87	47	value	value	NOUN
cana-5120	87	48	df	df	PROPN
cana-5120	87	49	p	p	PROPN
cana-5120	87	50	value	value	NOUN
cana-5120	87	51	freq	freq	NOUN
cana-5120	87	52	.	.	PUNCT
cana-5120	88	1	percent	percent	NOUN
cana-5120	88	2	freq	freq	NOUN
cana-5120	88	3	.	.	PUNCT
cana-5120	89	1	percent	percent	NOUN
cana-5120	89	2	gender	gender	NOUN
cana-5120	89	3	male	male	NOUN
cana-5120	89	4	122	122	NUM
cana-5120	89	5	48.8	48.8	NUM
cana-5120	89	6	124	124	NUM
cana-5120	89	7	49.6	49.6	NUM
cana-5120	89	8	0.03	0.03	NUM
cana-5120	89	9	1	1	NUM
cana-5120	89	10	0.86	0.86	NUM
cana-5120	89	11	female	female	NOUN
cana-5120	89	12	128	128	NUM
cana-5120	89	13	51.2	51.2	NUM
cana-5120	89	14	126	126	NUM
cana-5120	89	15	50.4	50.4	NUM
cana-5120	89	16	education	education	NOUN
cana-5120	89	17	matric	matric	NOUN
cana-5120	89	18	27	27	NUM
cana-5120	89	19	10.8	10.8	NUM
cana-5120	89	20	40	40	NUM
cana-5120	89	21	16.0	16.0	NUM
cana-5120	89	22	16.1	16.1	NUM
cana-5120	89	23	0.00	0.00	NUM
cana-5120	89	24	*	*	PUNCT
cana-5120	89	25	*	*	PUNCT
cana-5120	89	26	higher	high	ADJ
cana-5120	89	27	secondary	secondary	ADJ
cana-5120	89	28	68	68	NUM
cana-5120	89	29	27.2	27.2	NUM
cana-5120	89	30	81	81	NUM
cana-5120	89	31	32.4	32.4	NUM
cana-5120	89	32	3	3	NUM
cana-5120	89	33	graduate	graduate	NOUN
cana-5120	89	34	108	108	NUM
cana-5120	89	35	43.2	43.2	NUM
cana-5120	89	36	66	66	NUM
cana-5120	89	37	26.4	26.4	NUM
cana-5120	89	38	postgraduate	postgraduate	NOUN
cana-5120	89	39	47	47	NUM
cana-5120	89	40	18.8	18.8	NUM
cana-5120	89	41	63	63	NUM
cana-5120	89	42	25.2	25.2	NUM
cana-5120	89	43	residence	residence	NOUN
cana-5120	89	44	amritsar	amritsar	NOUN
cana-5120	89	45	63	63	NUM
cana-5120	89	46	25.2	25.2	NUM
cana-5120	89	47	63	63	NUM
cana-5120	89	48	25.2	25.2	NUM
cana-5120	89	49	0.02	0.02	NUM
cana-5120	89	50	3	3	NUM
cana-5120	89	51	0.99	0.99	NUM
cana-5120	89	52	ludhiana	ludhiana	NOUN
cana-5120	89	53	62	62	NUM
cana-5120	89	54	24.8	24.8	NUM
cana-5120	89	55	62	62	NUM
cana-5120	89	56	24.8	24.8	NUM
cana-5120	89	57	firozpur	firozpur	NOUN
cana-5120	89	58	63	63	NUM
cana-5120	89	59	25.2	25.2	NUM
cana-5120	89	60	62	62	NUM
cana-5120	89	61	24.8	24.8	NUM
cana-5120	89	62	36.80	36.80	NUM
cana-5120	89	63	%	%	NOUN
cana-5120	89	64	20.40	20.40	NUM
cana-5120	89	65	%	%	NOUN
cana-5120	89	66	23.20	23.20	NUM
cana-5120	89	67	%	%	NOUN
cana-5120	89	68	13.60	13.60	NUM
cana-5120	89	69	%	%	NOUN
cana-5120	89	70	6	6	NUM
cana-5120	89	71	%	%	NOUN
cana-5120	89	72	11.60	11.60	NUM
cana-5120	89	73	%	%	NOUN
cana-5120	89	74	22	22	NUM
cana-5120	89	75	%	%	NOUN
cana-5120	89	76	29.20	29.20	NUM
cana-5120	89	77	%	%	NOUN
cana-5120	89	78	19.20	19.20	NUM
cana-5120	89	79	%	%	NOUN
cana-5120	89	80	18	18	NUM
cana-5120	89	81	%	%	NOUN
cana-5120	89	82	0	0	NUM
cana-5120	89	83	%	%	NOUN
cana-5120	89	84	5	5	NUM
cana-5120	89	85	%	%	NOUN
cana-5120	89	86	10	10	NUM
cana-5120	89	87	%	%	NOUN
cana-5120	89	88	15	15	NUM
cana-5120	89	89	%	%	NOUN
cana-5120	89	90	20	20	NUM
cana-5120	89	91	%	%	NOUN
cana-5120	89	92	25	25	NUM
cana-5120	89	93	%	%	NOUN
cana-5120	89	94	30	30	NUM
cana-5120	89	95	%	%	NOUN
cana-5120	89	96	35	35	NUM
cana-5120	89	97	%	%	NOUN
cana-5120	89	98	40	40	NUM
cana-5120	89	99	%	%	NOUN
cana-5120	89	100	nil	nil	NOUN
cana-5120	89	101	<	<	X
cana-5120	89	102	rs.25,000	rs.25,000	X
cana-5120	89	103	rs.25,000	rs.25,000	NUM
cana-5120	89	104	40,000	40,000	NUM
cana-5120	89	105	rs.40,000	rs.40,000	NUM
cana-5120	89	106	60,000	60,000	NUM
cana-5120	89	107	>	>	PUNCT
cana-5120	89	108	rs	rs	NOUN
cana-5120	89	109	.	.	PUNCT
cana-5120	90	1	60,000	60,000	NUM
cana-5120	90	2	youngsters	youngster	NOUN
cana-5120	90	3	user	user	NOUN
cana-5120	90	4	middle	middle	NOUN
cana-5120	90	5	-	-	PUNCT
cana-5120	90	6	aged	aged	ADJ
cana-5120	90	7	user	user	NOUN
cana-5120	90	8	communications	communication	NOUN
cana-5120	90	9	on	on	ADP
cana-5120	90	10	applied	apply	VERB
cana-5120	90	11	nonlinear	nonlinear	ADJ
cana-5120	90	12	analysis	analysis	NOUN
cana-5120	90	13	issn	issn	NOUN
cana-5120	90	14	:	:	PUNCT
cana-5120	90	15	1074	1074	NUM
cana-5120	90	16	-	-	PUNCT
cana-5120	90	17	133x	133x	NUM
cana-5120	90	18	vol	vol	NOUN
cana-5120	90	19	32	32	NUM
cana-5120	90	20	no	no	NOUN
cana-5120	90	21	.	.	PUNCT
cana-5120	91	1	icmasd	icmasd	NOUN
cana-5120	91	2	(	(	PUNCT
cana-5120	91	3	2025	2025	NUM
cana-5120	91	4	)	)	PUNCT
cana-5120	91	5	945	945	NUM
cana-5120	91	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	91	7	mansa	mansa	PROPN
cana-5120	91	8	62	62	NUM
cana-5120	91	9	24.8	24.8	NUM
cana-5120	91	10	63	63	NUM
cana-5120	91	11	25.2	25.2	NUM
cana-5120	91	12	occupation	occupation	NOUN
cana-5120	91	13	govt	govt	NOUN
cana-5120	91	14	.	.	PUNCT
cana-5120	92	1	employee	employee	NOUN
cana-5120	92	2	45	45	NUM
cana-5120	92	3	18.0	18.0	NUM
cana-5120	92	4	38	38	NUM
cana-5120	92	5	15.2	15.2	NUM
cana-5120	92	6	122.5	122.5	NUM
cana-5120	92	7	5	5	NUM
cana-5120	92	8	0.00	0.00	NUM
cana-5120	92	9	*	*	PUNCT
cana-5120	92	10	*	*	PUNCT
cana-5120	92	11	private	private	ADJ
cana-5120	92	12	employee	employee	NOUN
cana-5120	92	13	34	34	NUM
cana-5120	92	14	13.6	13.6	NUM
cana-5120	92	15	53	53	NUM
cana-5120	92	16	21.2	21.2	NUM
cana-5120	92	17	business	business	NOUN
cana-5120	92	18	20	20	NUM
cana-5120	92	19	8.0	8.0	NUM
cana-5120	92	20	83	83	NUM
cana-5120	92	21	33.2	33.2	NUM
cana-5120	92	22	student	student	NOUN
cana-5120	92	23	126	126	NUM
cana-5120	92	24	50.4	50.4	NUM
cana-5120	92	25	24	24	NUM
cana-5120	92	26	9.6	9.6	NUM
cana-5120	92	27	housewife	housewife	NOUN
cana-5120	92	28	20	20	NUM
cana-5120	92	29	8.0	8.0	NUM
cana-5120	92	30	38	38	NUM
cana-5120	92	31	15.2	15.2	NUM
cana-5120	92	32	any	any	DET
cana-5120	92	33	other	other	ADJ
cana-5120	92	34	5	5	NUM
cana-5120	92	35	2.0	2.0	NUM
cana-5120	92	36	14	14	NUM
cana-5120	92	37	5.6	5.6	NUM
cana-5120	92	38	income	income	NOUN
cana-5120	92	39	less	less	ADJ
cana-5120	92	40	than	than	ADP
cana-5120	92	41	25,000	25,000	NUM
cana-5120	92	42	51	51	NUM
cana-5120	92	43	20.4	20.4	NUM
cana-5120	92	44	55	55	NUM
cana-5120	92	45	22.0	22.0	NUM
cana-5120	92	46	52.1	52.1	NUM
cana-5120	92	47	4	4	NUM
cana-5120	92	48	0.00	0.00	NUM
cana-5120	92	49	*	*	PUNCT
cana-5120	92	50	*	*	PUNCT
cana-5120	92	51	25,000	25,000	NUM
cana-5120	92	52	40,000	40,000	NUM
cana-5120	92	53	58	58	NUM
cana-5120	92	54	23.2	23.2	NUM
cana-5120	92	55	73	73	NUM
cana-5120	92	56	29.2	29.2	NUM
cana-5120	92	57	40,000	40,000	NUM
cana-5120	92	58	60,000	60,000	NUM
cana-5120	92	59	34	34	NUM
cana-5120	92	60	13.6	13.6	NUM
cana-5120	92	61	48	48	NUM
cana-5120	92	62	19.2	19.2	NUM
cana-5120	92	63	above	above	ADP
cana-5120	92	64	60,000	60,000	NUM
cana-5120	92	65	15	15	NUM
cana-5120	92	66	6.0	6.0	NUM
cana-5120	92	67	45	45	NUM
cana-5120	92	68	18.0	18.0	NUM
cana-5120	92	69	none	none	NOUN
cana-5120	92	70	92	92	NUM
cana-5120	92	71	36.8	36.8	NUM
cana-5120	92	72	29	29	NUM
cana-5120	92	73	11.6	11.6	NUM
cana-5120	92	74	*	*	PUNCT
cana-5120	92	75	*	*	PUNCT
cana-5120	92	76	p<0.01	p<0.01	PRON
cana-5120	92	77	table	table	NOUN
cana-5120	92	78	2	2	NUM
cana-5120	92	79	represents	represent	VERB
cana-5120	92	80	the	the	DET
cana-5120	92	81	association	association	NOUN
cana-5120	92	82	of	of	ADP
cana-5120	92	83	various	various	ADJ
cana-5120	92	84	demographic	demographic	ADJ
cana-5120	92	85	characteristics	characteristic	NOUN
cana-5120	92	86	between	between	ADP
cana-5120	92	87	youngster	youngster	ADJ
cana-5120	92	88	users	user	NOUN
cana-5120	92	89	and	and	CCONJ
cana-5120	92	90	middle	middle	ADJ
cana-5120	92	91	-	-	PUNCT
cana-5120	92	92	aged	aged	ADJ
cana-5120	92	93	users	user	NOUN
cana-5120	92	94	,	,	PUNCT
cana-5120	92	95	association	association	NOUN
cana-5120	92	96	between	between	ADP
cana-5120	92	97	youngsters	youngster	NOUN
cana-5120	92	98	and	and	CCONJ
cana-5120	92	99	middle	middle	ADJ
cana-5120	92	100	-	-	PUNCT
cana-5120	92	101	aged	aged	ADJ
cana-5120	92	102	users	user	NOUN
cana-5120	92	103	on	on	ADP
cana-5120	92	104	the	the	DET
cana-5120	92	105	basis	basis	NOUN
cana-5120	92	106	of	of	ADP
cana-5120	92	107	gender	gender	NOUN
cana-5120	92	108	among	among	ADP
cana-5120	92	109	younger	young	ADJ
cana-5120	92	110	users	user	NOUN
cana-5120	92	111	,	,	PUNCT
cana-5120	92	112	51.2	51.2	NUM
cana-5120	92	113	%	%	NOUN
cana-5120	92	114	were	be	AUX
cana-5120	92	115	female	female	ADJ
cana-5120	92	116	and	and	CCONJ
cana-5120	92	117	48.8	48.8	NUM
cana-5120	92	118	%	%	NOUN
cana-5120	92	119	were	be	AUX
cana-5120	92	120	males	male	NOUN
cana-5120	92	121	,	,	PUNCT
cana-5120	92	122	whereas	whereas	SCONJ
cana-5120	92	123	for	for	ADP
cana-5120	92	124	middle	middle	ADJ
cana-5120	92	125	-	-	PUNCT
cana-5120	92	126	aged	aged	ADJ
cana-5120	92	127	users	user	NOUN
cana-5120	92	128	,	,	PUNCT
cana-5120	92	129	50.4	50.4	NUM
cana-5120	92	130	%	%	NOUN
cana-5120	92	131	were	be	AUX
cana-5120	92	132	female	female	ADJ
cana-5120	92	133	and	and	CCONJ
cana-5120	92	134	49.6	49.6	NUM
cana-5120	92	135	%	%	NOUN
cana-5120	92	136	were	be	AUX
cana-5120	92	137	male	male	ADJ
cana-5120	92	138	.	.	PUNCT
cana-5120	93	1	the	the	DET
cana-5120	93	2	chi	chi	ADJ
cana-5120	93	3	-	-	PUNCT
cana-5120	93	4	square	square	ADJ
cana-5120	93	5	values	value	NOUN
cana-5120	93	6	(=	(=	ADV
cana-5120	93	7	0.03,p>0.05	0.03,p>0.05	NUM
cana-5120	93	8	)	)	PUNCT
cana-5120	93	9	showed	show	VERB
cana-5120	93	10	a	a	DET
cana-5120	93	11	value	value	NOUN
cana-5120	93	12	that	that	SCONJ
cana-5120	93	13	there	there	PRON
cana-5120	93	14	is	be	VERB
cana-5120	93	15	non	non	ADJ
cana-5120	93	16	-significant	-significant	ADJ
cana-5120	93	17	association	association	NOUN
cana-5120	93	18	between	between	ADP
cana-5120	93	19	distribution	distribution	NOUN
cana-5120	93	20	of	of	ADP
cana-5120	93	21	gender	gender	NOUN
cana-5120	93	22	and	and	CCONJ
cana-5120	93	23	users	user	NOUN
cana-5120	93	24	.	.	PUNCT
cana-5120	94	1	association	association	NOUN
cana-5120	94	2	between	between	ADP
cana-5120	94	3	youngsters	youngster	NOUN
cana-5120	94	4	and	and	CCONJ
cana-5120	94	5	middle	middle	ADJ
cana-5120	94	6	-	-	PUNCT
cana-5120	94	7	aged	aged	ADJ
cana-5120	94	8	users	user	NOUN
cana-5120	94	9	on	on	ADP
cana-5120	94	10	the	the	DET
cana-5120	94	11	basis	basis	NOUN
cana-5120	94	12	of	of	ADP
cana-5120	94	13	education	education	NOUN
cana-5120	94	14	level	level	NOUN
cana-5120	94	15	among	among	ADP
cana-5120	94	16	youngster	youngster	ADJ
cana-5120	94	17	user	user	NOUN
cana-5120	94	18	,	,	PUNCT
cana-5120	94	19	majorities	majority	NOUN
cana-5120	94	20	of	of	ADP
cana-5120	94	21	user	user	NOUN
cana-5120	94	22	were	be	AUX
cana-5120	94	23	graduate	graduate	ADJ
cana-5120	94	24	with	with	ADP
cana-5120	94	25	43.5	43.5	NUM
cana-5120	94	26	%	%	NOUN
cana-5120	94	27	graduate	graduate	NOUN
cana-5120	94	28	,	,	PUNCT
cana-5120	94	29	postgraduate	postgraduate	VERB
cana-5120	94	30	with	with	ADP
cana-5120	94	31	18.8	18.8	NUM
cana-5120	94	32	%	%	NOUN
cana-5120	94	33	,	,	PUNCT
cana-5120	94	34	higher	high	ADJ
cana-5120	94	35	secondary	secondary	ADJ
cana-5120	94	36	with	with	ADP
cana-5120	94	37	27.2	27.2	NUM
cana-5120	94	38	%	%	NOUN
cana-5120	94	39	and	and	CCONJ
cana-5120	94	40	10.8	10.8	NUM
cana-5120	94	41	%	%	NOUN
cana-5120	94	42	had	have	VERB
cana-5120	94	43	matric	matric	NOUN
cana-5120	94	44	-	-	PUNCT
cana-5120	94	45	level	level	NOUN
cana-5120	94	46	education	education	NOUN
cana-5120	94	47	.	.	PUNCT
cana-5120	95	1	among	among	ADP
cana-5120	95	2	middle	middle	ADJ
cana-5120	95	3	-	-	PUNCT
cana-5120	95	4	aged	aged	ADJ
cana-5120	95	5	user	user	NOUN
cana-5120	95	6	,	,	PUNCT
cana-5120	95	7	majorities	majority	NOUN
cana-5120	95	8	of	of	ADP
cana-5120	95	9	user	user	NOUN
cana-5120	95	10	were	be	AUX
cana-5120	95	11	higher	high	ADJ
cana-5120	95	12	secondary	secondary	ADJ
cana-5120	95	13	with	with	ADP
cana-5120	95	14	32.4	32.4	NUM
cana-5120	95	15	%	%	NOUN
cana-5120	95	16	,	,	PUNCT
cana-5120	95	17	graduate	graduate	VERB
cana-5120	95	18	with	with	ADP
cana-5120	95	19	26.4	26.4	NUM
cana-5120	95	20	%	%	NOUN
cana-5120	95	21	,	,	PUNCT
cana-5120	95	22	postgraduate	postgraduate	VERB
cana-5120	95	23	with	with	ADP
cana-5120	95	24	25.2	25.2	NUM
cana-5120	95	25	%	%	NOUN
cana-5120	95	26	,	,	PUNCT
cana-5120	95	27	and	and	CCONJ
cana-5120	95	28	16.0	16.0	NUM
cana-5120	95	29	%	%	NOUN
cana-5120	95	30	had	have	VERB
cana-5120	95	31	matric	matric	NOUN
cana-5120	95	32	-	-	PUNCT
cana-5120	95	33	level	level	NOUN
cana-5120	95	34	education	education	NOUN
cana-5120	95	35	.	.	PUNCT
cana-5120	96	1	the	the	DET
cana-5120	96	2	chi	chi	ADJ
cana-5120	96	3	-	-	PUNCT
cana-5120	96	4	square	square	ADJ
cana-5120	96	5	values	value	NOUN
cana-5120	96	6	(=	(=	NOUN
cana-5120	96	7	16.1,p<0.01	16.1,p<0.01	NUM
cana-5120	96	8	)	)	PUNCT
cana-5120	96	9	showed	show	VERB
cana-5120	96	10	a	a	DET
cana-5120	96	11	value	value	NOUN
cana-5120	96	12	that	that	SCONJ
cana-5120	96	13	there	there	PRON
cana-5120	96	14	is	be	VERB
cana-5120	96	15	significant	significant	ADJ
cana-5120	96	16	association	association	NOUN
cana-5120	96	17	between	between	ADP
cana-5120	96	18	distribution	distribution	NOUN
cana-5120	96	19	of	of	ADP
cana-5120	96	20	education	education	NOUN
cana-5120	96	21	levels	level	NOUN
cana-5120	96	22	and	and	CCONJ
cana-5120	96	23	users	user	NOUN
cana-5120	96	24	.	.	PUNCT
cana-5120	97	1	from	from	ADP
cana-5120	97	2	above	above	ADP
cana-5120	97	3	discussion	discussion	NOUN
cana-5120	97	4	we	we	PRON
cana-5120	97	5	concluded	conclude	VERB
cana-5120	97	6	that	that	SCONJ
cana-5120	97	7	the	the	DET
cana-5120	97	8	education	education	NOUN
cana-5120	97	9	level	level	NOUN
cana-5120	97	10	showed	show	VERB
cana-5120	97	11	a	a	DET
cana-5120	97	12	significant	significant	ADJ
cana-5120	97	13	association	association	NOUN
cana-5120	97	14	between	between	ADP
cana-5120	97	15	youngsters	youngster	NOUN
cana-5120	97	16	and	and	CCONJ
cana-5120	97	17	middle	middle	ADJ
cana-5120	97	18	-	-	PUNCT
cana-5120	97	19	aged	aged	ADJ
cana-5120	97	20	users	user	NOUN
cana-5120	97	21	.	.	PUNCT
cana-5120	98	1	association	association	NOUN
cana-5120	98	2	between	between	ADP
cana-5120	98	3	youngsters	youngster	NOUN
cana-5120	98	4	and	and	CCONJ
cana-5120	98	5	middle	middle	ADJ
cana-5120	98	6	-	-	PUNCT
cana-5120	98	7	aged	aged	ADJ
cana-5120	98	8	users	user	NOUN
cana-5120	98	9	on	on	ADP
cana-5120	98	10	the	the	DET
cana-5120	98	11	basis	basis	NOUN
cana-5120	98	12	of	of	ADP
cana-5120	98	13	residence	residence	NOUN
cana-5120	98	14	the	the	DET
cana-5120	98	15	distribution	distribution	NOUN
cana-5120	98	16	of	of	ADP
cana-5120	98	17	youngster	youngster	NOUN
cana-5120	98	18	as	as	ADV
cana-5120	98	19	well	well	ADV
cana-5120	98	20	as	as	ADP
cana-5120	98	21	middle	middle	ADJ
cana-5120	98	22	-	-	PUNCT
cana-5120	98	23	aged	aged	ADJ
cana-5120	98	24	users	user	NOUN
cana-5120	98	25	across	across	ADP
cana-5120	98	26	cities	city	NOUN
cana-5120	98	27	(	(	PUNCT
cana-5120	98	28	amritsar	amritsar	PROPN
cana-5120	98	29	,	,	PUNCT
cana-5120	98	30	ludhiana	ludhiana	PROPN
cana-5120	98	31	,	,	PUNCT
cana-5120	98	32	firozpur	firozpur	NOUN
cana-5120	98	33	,	,	PUNCT
cana-5120	98	34	and	and	CCONJ
cana-5120	98	35	mansa	mansa	PROPN
cana-5120	98	36	)	)	PUNCT
cana-5120	98	37	was	be	AUX
cana-5120	98	38	nearly	nearly	ADV
cana-5120	98	39	with	with	ADP
cana-5120	98	40	equal	equal	ADJ
cana-5120	98	41	number	number	NOUN
cana-5120	98	42	,	,	PUNCT
cana-5120	98	43	with	with	ADP
cana-5120	98	44	each	each	DET
cana-5120	98	45	city	city	NOUN
cana-5120	98	46	contributing	contribute	VERB
cana-5120	98	47	approximately	approximately	ADV
cana-5120	98	48	25	25	NUM
cana-5120	98	49	%	%	NOUN
cana-5120	98	50	of	of	ADP
cana-5120	98	51	users	user	NOUN
cana-5120	98	52	in	in	ADP
cana-5120	98	53	both	both	DET
cana-5120	98	54	groups	group	NOUN
cana-5120	98	55	.	.	PUNCT
cana-5120	99	1	the	the	DET
cana-5120	99	2	chi	chi	ADJ
cana-5120	99	3	-	-	PUNCT
cana-5120	99	4	square	square	ADJ
cana-5120	99	5	values	value	NOUN
cana-5120	99	6	(=	(=	ADP
cana-5120	99	7	0.02	0.02	NUM
cana-5120	99	8	,	,	PUNCT
cana-5120	99	9	p>0.05	p>0.05	NOUN
cana-5120	99	10	)	)	PUNCT
cana-5120	99	11	showed	show	VERB
cana-5120	99	12	a	a	DET
cana-5120	99	13	value	value	NOUN
cana-5120	99	14	that	that	SCONJ
cana-5120	99	15	there	there	PRON
cana-5120	99	16	is	be	VERB
cana-5120	99	17	nonsignificant	nonsignificant	ADJ
cana-5120	99	18	association	association	NOUN
cana-5120	99	19	between	between	ADP
cana-5120	99	20	residence	residence	NOUN
cana-5120	99	21	and	and	CCONJ
cana-5120	99	22	users	user	NOUN
cana-5120	99	23	.	.	PUNCT
cana-5120	100	1	communications	communication	NOUN
cana-5120	100	2	on	on	ADP
cana-5120	100	3	applied	apply	VERB
cana-5120	100	4	nonlinear	nonlinear	ADJ
cana-5120	100	5	analysis	analysis	NOUN
cana-5120	100	6	issn	issn	NOUN
cana-5120	100	7	:	:	PUNCT
cana-5120	100	8	1074	1074	NUM
cana-5120	100	9	-	-	PUNCT
cana-5120	100	10	133x	133x	NUM
cana-5120	100	11	vol	vol	NOUN
cana-5120	100	12	32	32	NUM
cana-5120	100	13	no	no	NOUN
cana-5120	100	14	.	.	PUNCT
cana-5120	101	1	icmasd	icmasd	NOUN
cana-5120	101	2	(	(	PUNCT
cana-5120	101	3	2025	2025	NUM
cana-5120	101	4	)	)	PUNCT
cana-5120	101	5	946	946	NUM
cana-5120	101	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	101	7	association	association	NOUN
cana-5120	101	8	between	between	ADP
cana-5120	101	9	youngsters	youngster	NOUN
cana-5120	101	10	and	and	CCONJ
cana-5120	101	11	middle	middle	ADJ
cana-5120	101	12	-	-	PUNCT
cana-5120	101	13	aged	aged	ADJ
cana-5120	101	14	users	user	NOUN
cana-5120	101	15	on	on	ADP
cana-5120	101	16	the	the	DET
cana-5120	101	17	basis	basis	NOUN
cana-5120	101	18	of	of	ADP
cana-5120	101	19	occupation	occupation	NOUN
cana-5120	101	20	among	among	ADP
cana-5120	101	21	younger	young	ADJ
cana-5120	101	22	users	user	NOUN
cana-5120	101	23	,	,	PUNCT
cana-5120	101	24	majorities	majority	NOUN
cana-5120	101	25	50.4	50.4	NUM
cana-5120	101	26	%	%	NOUN
cana-5120	101	27	were	be	AUX
cana-5120	101	28	students	student	NOUN
cana-5120	101	29	,	,	PUNCT
cana-5120	101	30	18.0	18.0	NUM
cana-5120	101	31	%	%	NOUN
cana-5120	101	32	were	be	AUX
cana-5120	101	33	government	government	NOUN
cana-5120	101	34	employees	employee	NOUN
cana-5120	101	35	,	,	PUNCT
cana-5120	101	36	13.6	13.6	NUM
cana-5120	101	37	%	%	NOUN
cana-5120	101	38	were	be	AUX
cana-5120	101	39	private	private	ADJ
cana-5120	101	40	employees	employee	NOUN
cana-5120	101	41	,	,	PUNCT
cana-5120	101	42	8.0	8.0	NUM
cana-5120	101	43	%	%	NOUN
cana-5120	101	44	were	be	AUX
cana-5120	101	45	in	in	ADP
cana-5120	101	46	business	business	NOUN
cana-5120	101	47	or	or	CCONJ
cana-5120	101	48	housewives	housewife	NOUN
cana-5120	101	49	,	,	PUNCT
cana-5120	101	50	and	and	CCONJ
cana-5120	101	51	2.0	2.0	NUM
cana-5120	101	52	%	%	NOUN
cana-5120	101	53	users	user	NOUN
cana-5120	101	54	showed	show	VERB
cana-5120	101	55	other	other	ADJ
cana-5120	101	56	occupations	occupation	NOUN
cana-5120	101	57	.	.	PUNCT
cana-5120	102	1	in	in	ADP
cana-5120	102	2	middle	middle	ADJ
cana-5120	102	3	-	-	PUNCT
cana-5120	102	4	aged	aged	ADJ
cana-5120	102	5	users	user	NOUN
cana-5120	102	6	,	,	PUNCT
cana-5120	102	7	33.2	33.2	NUM
cana-5120	102	8	%	%	NOUN
cana-5120	102	9	were	be	AUX
cana-5120	102	10	in	in	ADP
cana-5120	102	11	business	business	NOUN
cana-5120	102	12	,	,	PUNCT
cana-5120	102	13	21.2	21.2	NUM
cana-5120	102	14	%	%	NOUN
cana-5120	102	15	were	be	AUX
cana-5120	102	16	private	private	ADJ
cana-5120	102	17	employees	employee	NOUN
cana-5120	102	18	,	,	PUNCT
cana-5120	102	19	15.2	15.2	NUM
cana-5120	102	20	%	%	NOUN
cana-5120	102	21	were	be	AUX
cana-5120	102	22	government	government	NOUN
cana-5120	102	23	employees	employee	NOUN
cana-5120	102	24	or	or	CCONJ
cana-5120	102	25	housewives	housewife	NOUN
cana-5120	102	26	,	,	PUNCT
cana-5120	102	27	9.6	9.6	NUM
cana-5120	102	28	%	%	NOUN
cana-5120	102	29	were	be	AUX
cana-5120	102	30	students	student	NOUN
cana-5120	102	31	,	,	PUNCT
cana-5120	102	32	and	and	CCONJ
cana-5120	102	33	5.6	5.6	NUM
cana-5120	102	34	%	%	NOUN
cana-5120	102	35	reports	report	VERB
cana-5120	102	36	other	other	ADJ
cana-5120	102	37	occupations	occupation	NOUN
cana-5120	102	38	.	.	PUNCT
cana-5120	103	1	the	the	DET
cana-5120	103	2	chi	chi	ADJ
cana-5120	103	3	-	-	PUNCT
cana-5120	103	4	square	square	ADJ
cana-5120	103	5	value	value	NOUN
cana-5120	103	6	was	be	AUX
cana-5120	103	7	(=	(=	ADV
cana-5120	103	8	122.5	122.5	NUM
cana-5120	103	9	with	with	ADP
cana-5120	103	10	a	a	DET
cana-5120	103	11	p	p	NOUN
cana-5120	103	12	-	-	PUNCT
cana-5120	103	13	value	value	NOUN
cana-5120	103	14	<	<	X
cana-5120	103	15	0.01	0.01	NUM
cana-5120	103	16	)	)	PUNCT
cana-5120	103	17	showed	show	VERB
cana-5120	103	18	a	a	DET
cana-5120	103	19	value	value	NOUN
cana-5120	103	20	that	that	SCONJ
cana-5120	103	21	there	there	PRON
cana-5120	103	22	is	be	VERB
cana-5120	103	23	significant	significant	ADJ
cana-5120	103	24	association	association	NOUN
cana-5120	103	25	between	between	ADP
cana-5120	103	26	distribution	distribution	NOUN
cana-5120	103	27	of	of	ADP
cana-5120	103	28	occupation	occupation	NOUN
cana-5120	103	29	levels	level	NOUN
cana-5120	103	30	and	and	CCONJ
cana-5120	103	31	users	user	NOUN
cana-5120	103	32	.	.	PUNCT
cana-5120	104	1	the	the	DET
cana-5120	104	2	above	above	ADJ
cana-5120	104	3	discussion	discussion	NOUN
cana-5120	104	4	showed	show	VERB
cana-5120	104	5	that	that	SCONJ
cana-5120	104	6	there	there	PRON
cana-5120	104	7	is	be	VERB
cana-5120	104	8	significant	significant	ADJ
cana-5120	104	9	association	association	NOUN
cana-5120	104	10	between	between	ADP
cana-5120	104	11	occupation	occupation	NOUN
cana-5120	104	12	and	and	CCONJ
cana-5120	104	13	age	age	NOUN
cana-5120	104	14	group	group	NOUN
cana-5120	104	15	.	.	PUNCT
cana-5120	105	1	younger	young	ADJ
cana-5120	105	2	users	user	NOUN
cana-5120	105	3	are	be	AUX
cana-5120	105	4	primarily	primarily	ADV
cana-5120	105	5	students	student	NOUN
cana-5120	105	6	,	,	PUNCT
cana-5120	105	7	whereas	whereas	SCONJ
cana-5120	105	8	middle	middle	ADJ
cana-5120	105	9	-	-	PUNCT
cana-5120	105	10	aged	aged	ADJ
cana-5120	105	11	users	user	NOUN
cana-5120	105	12	are	be	AUX
cana-5120	105	13	more	more	ADV
cana-5120	105	14	likely	likely	ADJ
cana-5120	105	15	to	to	PART
cana-5120	105	16	be	be	AUX
cana-5120	105	17	in	in	ADP
cana-5120	105	18	business	business	NOUN
cana-5120	105	19	or	or	CCONJ
cana-5120	105	20	private	private	ADJ
cana-5120	105	21	employment	employment	NOUN
cana-5120	105	22	.	.	PUNCT
cana-5120	106	1	association	association	NOUN
cana-5120	106	2	between	between	ADP
cana-5120	106	3	youngsters	youngster	NOUN
cana-5120	106	4	and	and	CCONJ
cana-5120	106	5	middle	middle	ADJ
cana-5120	106	6	-	-	PUNCT
cana-5120	106	7	aged	aged	ADJ
cana-5120	106	8	users	user	NOUN
cana-5120	106	9	on	on	ADP
cana-5120	106	10	the	the	DET
cana-5120	106	11	basis	basis	NOUN
cana-5120	106	12	of	of	ADP
cana-5120	106	13	income	income	NOUN
cana-5120	106	14	level	level	NOUN
cana-5120	106	15	among	among	ADP
cana-5120	106	16	youngster	youngster	ADJ
cana-5120	106	17	user	user	NOUN
cana-5120	106	18	,	,	PUNCT
cana-5120	106	19	most	most	ADJ
cana-5120	106	20	of	of	ADP
cana-5120	106	21	user	user	NOUN
cana-5120	106	22	were	be	AUX
cana-5120	106	23	student	student	NOUN
cana-5120	106	24	,	,	PUNCT
cana-5120	106	25	majority	majority	NOUN
cana-5120	106	26	36.8	36.8	NUM
cana-5120	106	27	%	%	NOUN
cana-5120	106	28	do	do	AUX
cana-5120	106	29	not	not	PART
cana-5120	106	30	have	have	VERB
cana-5120	106	31	any	any	DET
cana-5120	106	32	income	income	NOUN
cana-5120	106	33	,	,	PUNCT
cana-5120	106	34	23.2	23.2	NUM
cana-5120	106	35	%	%	NOUN
cana-5120	106	36	have	have	VERB
cana-5120	106	37	income	income	NOUN
cana-5120	106	38	between	between	ADP
cana-5120	106	39	rs.25,000	rs.25,000	PROPN
cana-5120	106	40	-40,000	-40,000	PROPN
cana-5120	106	41	,	,	PUNCT
cana-5120	106	42	13.6	13.6	NUM
cana-5120	106	43	%	%	NOUN
cana-5120	106	44	user	user	NOUN
cana-5120	106	45	have	have	VERB
cana-5120	106	46	income	income	NOUN
cana-5120	106	47	rs.40,000	rs.40,000	NOUN
cana-5120	106	48	-	-	PUNCT
cana-5120	106	49	60,000	60,000	NUM
cana-5120	106	50	,	,	PUNCT
cana-5120	106	51	20.4	20.4	NUM
cana-5120	106	52	%	%	NOUN
cana-5120	106	53	user	user	NOUN
cana-5120	106	54	have	have	VERB
cana-5120	106	55	income	income	NOUN
cana-5120	106	56	less	less	ADJ
cana-5120	106	57	that	that	SCONJ
cana-5120	106	58	rs	rs	NOUN
cana-5120	106	59	,	,	PUNCT
cana-5120	106	60	25000	25000	NUM
cana-5120	106	61	and	and	CCONJ
cana-5120	106	62	whereas	whereas	SCONJ
cana-5120	106	63	6	6	NUM
cana-5120	106	64	%	%	NOUN
cana-5120	106	65	user	user	NOUN
cana-5120	106	66	have	have	VERB
cana-5120	106	67	income	income	NOUN
cana-5120	106	68	more	more	ADJ
cana-5120	106	69	than	than	ADP
cana-5120	106	70	rs,65,000	rs,65,000	PROPN
cana-5120	106	71	.	.	PUNCT
cana-5120	107	1	among	among	ADP
cana-5120	107	2	middle	middle	ADJ
cana-5120	107	3	-	-	PUNCT
cana-5120	107	4	aged	aged	ADJ
cana-5120	107	5	user	user	NOUN
cana-5120	107	6	,	,	PUNCT
cana-5120	107	7	majority	majority	NOUN
cana-5120	107	8	29.8	29.8	NUM
cana-5120	107	9	%	%	NOUN
cana-5120	107	10	user	user	NOUN
cana-5120	107	11	have	have	VERB
cana-5120	107	12	income	income	NOUN
cana-5120	107	13	between	between	ADP
cana-5120	107	14	rs.25,000	rs.25,000	PROPN
cana-5120	107	15	-40,000	-40,000	PROPN
cana-5120	107	16	,	,	PUNCT
cana-5120	107	17	19.2	19.2	NUM
cana-5120	107	18	%	%	NOUN
cana-5120	107	19	user	user	NOUN
cana-5120	107	20	have	have	VERB
cana-5120	107	21	income	income	NOUN
cana-5120	107	22	rs.40,000	rs.40,000	NOUN
cana-5120	107	23	-	-	PUNCT
cana-5120	107	24	60,000	60,000	NUM
cana-5120	107	25	,	,	PUNCT
cana-5120	107	26	22	22	NUM
cana-5120	107	27	%	%	NOUN
cana-5120	107	28	user	user	NOUN
cana-5120	107	29	have	have	VERB
cana-5120	107	30	income	income	NOUN
cana-5120	107	31	less	less	ADJ
cana-5120	107	32	that	that	SCONJ
cana-5120	107	33	rs	rs	NOUN
cana-5120	107	34	,	,	PUNCT
cana-5120	107	35	25000	25000	NUM
cana-5120	107	36	,	,	PUNCT
cana-5120	107	37	11.6	11.6	NUM
cana-5120	107	38	%	%	NOUN
cana-5120	107	39	user	user	NOUN
cana-5120	107	40	have	have	AUX
cana-5120	107	41	income	income	NOUN
cana-5120	108	1	more	more	ADJ
cana-5120	108	2	than	than	ADP
cana-5120	108	3	rs,65,000	rs,65,000	NOUN
cana-5120	109	1	and	and	CCONJ
cana-5120	109	2	11,6	11,6	NUM
cana-5120	109	3	user	user	NOUN
cana-5120	109	4	do	do	AUX
cana-5120	109	5	not	not	PART
cana-5120	109	6	income	income	VERB
cana-5120	109	7	.	.	PUNCT
cana-5120	110	1	the	the	DET
cana-5120	110	2	chi	chi	ADJ
cana-5120	110	3	-	-	PUNCT
cana-5120	110	4	square	square	ADJ
cana-5120	110	5	value	value	NOUN
cana-5120	110	6	was	be	AUX
cana-5120	110	7	(=	(=	ADJ
cana-5120	110	8	52.1	52.1	NUM
cana-5120	110	9	,	,	PUNCT
cana-5120	110	10	p	p	NOUN
cana-5120	110	11	-	-	PUNCT
cana-5120	110	12	value	value	NOUN
cana-5120	110	13	<	<	X
cana-5120	110	14	0.01	0.01	NUM
cana-5120	110	15	)	)	PUNCT
cana-5120	110	16	showed	show	VERB
cana-5120	110	17	a	a	DET
cana-5120	110	18	value	value	NOUN
cana-5120	110	19	that	that	SCONJ
cana-5120	110	20	there	there	PRON
cana-5120	110	21	is	be	VERB
cana-5120	110	22	significant	significant	ADJ
cana-5120	110	23	association	association	NOUN
cana-5120	110	24	between	between	ADP
cana-5120	110	25	distribution	distribution	NOUN
cana-5120	110	26	of	of	ADP
cana-5120	110	27	income	income	NOUN
cana-5120	110	28	levels	level	NOUN
cana-5120	110	29	and	and	CCONJ
cana-5120	110	30	users	user	NOUN
cana-5120	110	31	.	.	PUNCT
cana-5120	111	1	from	from	ADP
cana-5120	111	2	above	above	ADP
cana-5120	111	3	discussion	discussion	NOUN
cana-5120	111	4	it	it	PRON
cana-5120	111	5	has	have	AUX
cana-5120	111	6	been	be	AUX
cana-5120	111	7	seen	see	VERB
cana-5120	111	8	that	that	SCONJ
cana-5120	111	9	the	the	DET
cana-5120	111	10	youngsters	youngster	NOUN
cana-5120	111	11	users	user	NOUN
cana-5120	111	12	are	be	AUX
cana-5120	111	13	more	more	ADV
cana-5120	111	14	likely	likely	ADJ
cana-5120	111	15	to	to	PART
cana-5120	111	16	have	have	VERB
cana-5120	111	17	no	no	DET
cana-5120	111	18	income	income	NOUN
cana-5120	111	19	,	,	PUNCT
cana-5120	111	20	may	may	AUX
cana-5120	111	21	be	be	AUX
cana-5120	111	22	most	most	ADJ
cana-5120	111	23	of	of	ADP
cana-5120	111	24	user	user	NOUN
cana-5120	111	25	were	be	AUX
cana-5120	111	26	student	student	NOUN
cana-5120	111	27	,	,	PUNCT
cana-5120	111	28	middle	middle	ADJ
cana-5120	111	29	-	-	PUNCT
cana-5120	111	30	aged	aged	ADJ
cana-5120	111	31	users	user	NOUN
cana-5120	111	32	are	be	AUX
cana-5120	111	33	more	more	ADV
cana-5120	111	34	likely	likely	ADJ
cana-5120	111	35	to	to	PART
cana-5120	111	36	have	have	VERB
cana-5120	111	37	higher	high	ADJ
cana-5120	111	38	incomes	income	NOUN
cana-5120	111	39	,	,	PUNCT
cana-5120	111	40	with	with	ADP
cana-5120	111	41	a	a	DET
cana-5120	111	42	more	more	ADJ
cana-5120	111	43	percentage	percentage	NOUN
cana-5120	111	44	of	of	ADP
cana-5120	111	45	earning	earn	VERB
cana-5120	111	46	above	above	ADP
cana-5120	111	47	40,000	40,000	NUM
cana-5120	111	48	,	,	PUNCT
cana-5120	111	49	especially	especially	ADV
cana-5120	111	50	above	above	ADP
cana-5120	111	51	60,000	60,000	NUM
cana-5120	111	52	.	.	PUNCT
cana-5120	112	1	conclusion	conclusion	NOUN
cana-5120	112	2	this	this	DET
cana-5120	112	3	study	study	NOUN
cana-5120	112	4	highlights	highlight	VERB
cana-5120	112	5	the	the	DET
cana-5120	112	6	growing	grow	VERB
cana-5120	112	7	adoption	adoption	NOUN
cana-5120	112	8	of	of	ADP
cana-5120	112	9	internet	internet	NOUN
cana-5120	112	10	banking	banking	NOUN
cana-5120	112	11	among	among	ADP
cana-5120	112	12	both	both	DET
cana-5120	112	13	youngsters	youngster	NOUN
cana-5120	112	14	and	and	CCONJ
cana-5120	112	15	middleaged	middleaged	ADJ
cana-5120	112	16	individuals	individual	NOUN
cana-5120	112	17	,	,	PUNCT
cana-5120	112	18	driven	drive	VERB
cana-5120	112	19	largely	largely	ADV
cana-5120	112	20	by	by	ADP
cana-5120	112	21	advancements	advancement	NOUN
cana-5120	112	22	in	in	ADP
cana-5120	112	23	digital	digital	ADJ
cana-5120	112	24	technology	technology	NOUN
cana-5120	112	25	and	and	CCONJ
cana-5120	112	26	increasing	increase	VERB
cana-5120	112	27	financial	financial	ADJ
cana-5120	112	28	literacy	literacy	NOUN
cana-5120	112	29	.	.	PUNCT
cana-5120	113	1	the	the	DET
cana-5120	113	2	findings	finding	NOUN
cana-5120	113	3	reveal	reveal	VERB
cana-5120	113	4	that	that	SCONJ
cana-5120	113	5	socio	socio	NOUN
cana-5120	113	6	-	-	PUNCT
cana-5120	113	7	economic	economic	ADJ
cana-5120	113	8	factors	factor	NOUN
cana-5120	113	9	such	such	ADJ
cana-5120	113	10	as	as	ADP
cana-5120	113	11	income	income	NOUN
cana-5120	113	12	level	level	NOUN
cana-5120	113	13	,	,	PUNCT
cana-5120	113	14	educational	educational	ADJ
cana-5120	113	15	background	background	NOUN
cana-5120	113	16	,	,	PUNCT
cana-5120	113	17	and	and	CCONJ
cana-5120	113	18	occupation	occupation	NOUN
cana-5120	113	19	significantly	significantly	ADV
cana-5120	113	20	influence	influence	VERB
cana-5120	113	21	the	the	DET
cana-5120	113	22	usage	usage	NOUN
cana-5120	113	23	of	of	ADP
cana-5120	113	24	internet	internet	NOUN
cana-5120	113	25	banking	banking	NOUN
cana-5120	113	26	.	.	PUNCT
cana-5120	114	1	young	young	ADJ
cana-5120	114	2	people	people	NOUN
cana-5120	114	3	are	be	AUX
cana-5120	114	4	comfortable	comfortable	ADJ
cana-5120	114	5	with	with	ADP
cana-5120	114	6	technology	technology	NOUN
cana-5120	114	7	and	and	CCONJ
cana-5120	114	8	like	like	INTJ
cana-5120	114	9	to	to	PART
cana-5120	114	10	use	use	VERB
cana-5120	114	11	their	their	PRON
cana-5120	114	12	phones	phone	NOUN
cana-5120	114	13	for	for	ADP
cana-5120	114	14	banking	banking	NOUN
cana-5120	114	15	because	because	SCONJ
cana-5120	114	16	it	it	PRON
cana-5120	114	17	's	be	AUX
cana-5120	114	18	easy	easy	ADJ
cana-5120	114	19	and	and	CCONJ
cana-5120	114	20	fast	fast	ADJ
cana-5120	114	21	.	.	PUNCT
cana-5120	115	1	middle	middle	ADJ
cana-5120	115	2	-	-	PUNCT
cana-5120	115	3	aged	aged	ADJ
cana-5120	115	4	people	people	NOUN
cana-5120	115	5	are	be	AUX
cana-5120	115	6	more	more	ADV
cana-5120	115	7	careful	careful	ADJ
cana-5120	115	8	,	,	PUNCT
cana-5120	115	9	but	but	CCONJ
cana-5120	115	10	they	they	PRON
cana-5120	115	11	are	be	AUX
cana-5120	115	12	also	also	ADV
cana-5120	115	13	using	use	VERB
cana-5120	115	14	online	online	ADJ
cana-5120	115	15	banking	banking	NOUN
cana-5120	115	16	more	more	ADJ
cana-5120	115	17	.	.	PUNCT
cana-5120	116	1	they	they	PRON
cana-5120	116	2	like	like	VERB
cana-5120	116	3	it	it	PRON
cana-5120	116	4	because	because	SCONJ
cana-5120	116	5	it	it	PRON
cana-5120	116	6	's	be	AUX
cana-5120	116	7	safe	safe	ADJ
cana-5120	116	8	and	and	CCONJ
cana-5120	116	9	offers	offer	VERB
cana-5120	116	10	many	many	ADJ
cana-5120	116	11	services	service	NOUN
cana-5120	116	12	.	.	PUNCT
cana-5120	117	1	the	the	DET
cana-5120	117	2	study	study	NOUN
cana-5120	117	3	reveals	reveal	VERB
cana-5120	117	4	that	that	SCONJ
cana-5120	117	5	there	there	PRON
cana-5120	117	6	is	be	VERB
cana-5120	117	7	no	no	DET
cana-5120	117	8	difference	difference	NOUN
cana-5120	117	9	in	in	ADP
cana-5120	117	10	the	the	DET
cana-5120	117	11	usage	usage	NOUN
cana-5120	117	12	of	of	ADP
cana-5120	117	13	internet	internet	NOUN
cana-5120	117	14	banking	banking	NOUN
cana-5120	117	15	among	among	ADP
cana-5120	117	16	male	male	ADJ
cana-5120	117	17	and	and	CCONJ
cana-5120	117	18	female	female	NOUN
cana-5120	117	19	.	.	PUNCT
cana-5120	118	1	both	both	PRON
cana-5120	118	2	take	take	VERB
cana-5120	118	3	the	the	DET
cana-5120	118	4	benefits	benefit	NOUN
cana-5120	118	5	of	of	ADP
cana-5120	118	6	internet	internet	NOUN
cana-5120	118	7	banking	banking	NOUN
cana-5120	118	8	services	service	NOUN
cana-5120	118	9	.	.	PUNCT
cana-5120	119	1	the	the	DET
cana-5120	119	2	study	study	NOUN
cana-5120	119	3	also	also	ADV
cana-5120	119	4	underscores	underscore	VERB
cana-5120	119	5	the	the	DET
cana-5120	119	6	role	role	NOUN
cana-5120	119	7	of	of	ADP
cana-5120	119	8	income	income	NOUN
cana-5120	119	9	and	and	CCONJ
cana-5120	119	10	education	education	NOUN
cana-5120	119	11	in	in	ADP
cana-5120	119	12	shaping	shape	VERB
cana-5120	119	13	banking	banking	NOUN
cana-5120	119	14	behavior	behavior	NOUN
cana-5120	119	15	.	.	PUNCT
cana-5120	120	1	higher	high	ADJ
cana-5120	120	2	income	income	NOUN
cana-5120	120	3	groups	group	NOUN
cana-5120	120	4	and	and	CCONJ
cana-5120	120	5	individuals	individual	NOUN
cana-5120	120	6	with	with	ADP
cana-5120	120	7	better	well	ADJ
cana-5120	120	8	educational	educational	ADJ
cana-5120	120	9	qualifications	qualification	NOUN
cana-5120	120	10	are	be	AUX
cana-5120	120	11	more	more	ADV
cana-5120	120	12	inclined	inclined	ADJ
cana-5120	120	13	to	to	PART
cana-5120	120	14	utilize	utilize	VERB
cana-5120	120	15	internet	internet	NOUN
cana-5120	120	16	banking	banking	NOUN
cana-5120	120	17	,	,	PUNCT
cana-5120	120	18	as	as	SCONJ
cana-5120	120	19	they	they	PRON
cana-5120	120	20	have	have	VERB
cana-5120	120	21	greater	great	ADJ
cana-5120	120	22	access	access	NOUN
cana-5120	120	23	to	to	ADP
cana-5120	120	24	technology	technology	NOUN
cana-5120	120	25	and	and	CCONJ
cana-5120	120	26	a	a	DET
cana-5120	120	27	deeper	deep	ADJ
cana-5120	120	28	understanding	understanding	NOUN
cana-5120	120	29	of	of	ADP
cana-5120	120	30	its	its	PRON
cana-5120	120	31	benefits	benefit	NOUN
cana-5120	120	32	.	.	PUNCT
cana-5120	121	1	however	however	ADV
cana-5120	121	2	,	,	PUNCT
cana-5120	121	3	barriers	barrier	NOUN
cana-5120	121	4	such	such	ADJ
cana-5120	121	5	as	as	ADP
cana-5120	121	6	lack	lack	NOUN
cana-5120	121	7	of	of	ADP
cana-5120	121	8	trust	trust	NOUN
cana-5120	121	9	,	,	PUNCT
cana-5120	121	10	concerns	concern	NOUN
cana-5120	121	11	about	about	ADP
cana-5120	121	12	cyber	cyber	NOUN
cana-5120	121	13	security	security	NOUN
cana-5120	121	14	,	,	PUNCT
cana-5120	121	15	and	and	CCONJ
cana-5120	121	16	limited	limited	ADJ
cana-5120	121	17	digital	digital	ADJ
cana-5120	121	18	literacy	literacy	NOUN
cana-5120	121	19	among	among	ADP
cana-5120	121	20	lower	low	ADJ
cana-5120	121	21	-	-	PUNCT
cana-5120	121	22	income	income	NOUN
cana-5120	121	23	groups	group	NOUN
cana-5120	121	24	persist	persist	VERB
cana-5120	121	25	,	,	PUNCT
cana-5120	121	26	indicating	indicate	VERB
cana-5120	121	27	the	the	DET
cana-5120	121	28	need	need	NOUN
cana-5120	121	29	for	for	ADP
cana-5120	121	30	targeted	target	VERB
cana-5120	121	31	awareness	awareness	NOUN
cana-5120	121	32	campaigns	campaign	NOUN
cana-5120	121	33	and	and	CCONJ
cana-5120	121	34	userfriendly	userfriendly	ADV
cana-5120	121	35	platforms	platform	NOUN
cana-5120	121	36	.	.	PUNCT
cana-5120	122	1	overall	overall	ADV
cana-5120	122	2	,	,	PUNCT
cana-5120	122	3	the	the	DET
cana-5120	122	4	research	research	NOUN
cana-5120	122	5	emphasizes	emphasize	VERB
cana-5120	122	6	the	the	DET
cana-5120	122	7	importance	importance	NOUN
cana-5120	122	8	of	of	ADP
cana-5120	122	9	bridging	bridge	VERB
cana-5120	122	10	the	the	DET
cana-5120	122	11	digital	digital	ADJ
cana-5120	122	12	divide	divide	NOUN
cana-5120	122	13	and	and	CCONJ
cana-5120	122	14	tailoring	tailor	VERB
cana-5120	122	15	internet	internet	NOUN
cana-5120	122	16	banking	banking	NOUN
cana-5120	122	17	services	service	NOUN
cana-5120	122	18	to	to	PART
cana-5120	122	19	meet	meet	VERB
cana-5120	122	20	the	the	DET
cana-5120	122	21	diverse	diverse	ADJ
cana-5120	122	22	needs	need	NOUN
cana-5120	122	23	of	of	ADP
cana-5120	122	24	different	different	ADJ
cana-5120	122	25	socio	socio	NOUN
cana-5120	122	26	-	-	PUNCT
cana-5120	122	27	economic	economic	ADJ
cana-5120	122	28	groups	group	NOUN
cana-5120	122	29	,	,	PUNCT
cana-5120	122	30	ensuring	ensure	VERB
cana-5120	122	31	financial	financial	ADJ
cana-5120	122	32	inclusion	inclusion	NOUN
cana-5120	122	33	and	and	CCONJ
cana-5120	122	34	wider	wide	ADJ
cana-5120	122	35	adoption	adoption	NOUN
cana-5120	122	36	in	in	ADP
cana-5120	122	37	the	the	DET
cana-5120	122	38	future	future	NOUN
cana-5120	122	39	.	.	PUNCT
cana-5120	123	1	communications	communication	NOUN
cana-5120	123	2	on	on	ADP
cana-5120	123	3	applied	apply	VERB
cana-5120	123	4	nonlinear	nonlinear	ADJ
cana-5120	123	5	analysis	analysis	NOUN
cana-5120	123	6	issn	issn	NOUN
cana-5120	123	7	:	:	PUNCT
cana-5120	123	8	1074	1074	NUM
cana-5120	123	9	-	-	PUNCT
cana-5120	123	10	133x	133x	NUM
cana-5120	123	11	vol	vol	NOUN
cana-5120	123	12	32	32	NUM
cana-5120	123	13	no	no	NOUN
cana-5120	123	14	.	.	PUNCT
cana-5120	124	1	icmasd	icmasd	NOUN
cana-5120	124	2	(	(	PUNCT
cana-5120	124	3	2025	2025	NUM
cana-5120	124	4	)	)	PUNCT
cana-5120	124	5	947	947	NUM
cana-5120	124	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-5120	124	7	references	reference	NOUN
cana-5120	124	8	[	[	X
cana-5120	124	9	1	1	NUM
cana-5120	124	10	]	]	X
cana-5120	124	11	ahmad	ahmad	PROPN
cana-5120	124	12	,	,	PUNCT
cana-5120	124	13	m.(2018	m.(2018	PROPN
cana-5120	124	14	)	)	PUNCT
cana-5120	124	15	.	.	PUNCT
cana-5120	125	1	review	review	NOUN
cana-5120	125	2	of	of	ADP
cana-5120	125	3	the	the	DET
cana-5120	125	4	technology	technology	NOUN
cana-5120	125	5	acceptance	acceptance	NOUN
cana-5120	125	6	model	model	NOUN
cana-5120	125	7	(	(	PUNCT
cana-5120	125	8	tam	tam	PROPN
cana-5120	125	9	)	)	PUNCT
cana-5120	125	10	in	in	ADP
cana-5120	125	11	internet	internet	NOUN
cana-5120	125	12	banking	banking	NOUN
cana-5120	125	13	and	and	CCONJ
cana-5120	125	14	mobile	mobile	NOUN
cana-5120	125	15	banking	banking	NOUN
cana-5120	125	16	,	,	PUNCT
cana-5120	125	17	international	international	ADJ
cana-5120	125	18	journal	journal	NOUN
cana-5120	125	19	of	of	ADP
cana-5120	125	20	information	information	NOUN
cana-5120	125	21	communication	communication	NOUN
cana-5120	125	22	technology	technology	NOUN
cana-5120	125	23	and	and	CCONJ
cana-5120	125	24	digital	digital	PROPN
cana-5120	125	25	convergence,3(1),23	convergence,3(1),23	PROPN
cana-5120	125	26	-	-	PUNCT
cana-5120	125	27	41	41	NUM
cana-5120	125	28	.	.	PUNCT
cana-5120	126	1	[	[	X
cana-5120	126	2	2	2	NUM
cana-5120	126	3	]	]	X
cana-5120	126	4	alam	alam	PROPN
cana-5120	126	5	,	,	PUNCT
cana-5120	126	6	s.	s.	PROPN
cana-5120	126	7	s.	s.	PROPN
cana-5120	126	8	bakar	bakar	PROPN
cana-5120	126	9	,	,	PUNCT
cana-5120	126	10	z.	z.	PROPN
cana-5120	126	11	,	,	PUNCT
cana-5120	126	12	ismail	ismail	PROPN
cana-5120	126	13	,	,	PUNCT
cana-5120	126	14	h.	h.	PROPN
cana-5120	126	15	b.	b.	PROPN
cana-5120	126	16	,	,	PUNCT
cana-5120	126	17	ahsan	ahsan	PROPN
cana-5120	126	18	,	,	PUNCT
cana-5120	126	19	n.	n.	NOUN
cana-5120	126	20	,	,	PUNCT
cana-5120	126	21	(	(	PUNCT
cana-5120	126	22	2008).young	2008).young	NUM
cana-5120	126	23	consumers	consumer	NOUN
cana-5120	126	24	online	online	ADJ
cana-5120	126	25	shopping	shopping	NOUN
cana-5120	126	26	:	:	PUNCT
cana-5120	126	27	an	an	DET
cana-5120	126	28	empirical	empirical	ADJ
cana-5120	126	29	study	study	NOUN
cana-5120	126	30	,	,	PUNCT
cana-5120	126	31	journal	journal	NOUN
cana-5120	126	32	of	of	ADP
cana-5120	126	33	internet	internet	NOUN
cana-5120	126	34	business	business	NOUN
cana-5120	126	35	,	,	PUNCT
cana-5120	126	36	5	5	NUM
cana-5120	126	37	,	,	PUNCT
cana-5120	126	38	81	81	NUM
cana-5120	126	39	-	-	SYM
cana-5120	126	40	98	98	NUM
cana-5120	126	41	.	.	PUNCT
cana-5120	127	1	[	[	X
cana-5120	127	2	3	3	NUM
cana-5120	127	3	]	]	X
cana-5120	127	4	almaiah	almaiah	PROPN
cana-5120	127	5	,	,	PUNCT
cana-5120	127	6	m.a	m.a	PROPN
cana-5120	127	7	.	.	PROPN
cana-5120	127	8	,	,	PUNCT
cana-5120	127	9	al	al	PROPN
cana-5120	127	10	-	-	PUNCT
cana-5120	127	11	rahmi	rahmi	PROPN
cana-5120	127	12	,	,	PUNCT
cana-5120	127	13	a.m.	a.m.	ADV
cana-5120	127	14	,	,	PUNCT
cana-5120	127	15	alturise	alturise	PROPN
cana-5120	127	16	,	,	PUNCT
cana-5120	127	17	f.	f.	PROPN
cana-5120	127	18	,	,	PUNCT
cana-5120	127	19	alrawad	alrawad	NOUN
cana-5120	127	20	,	,	PUNCT
cana-5120	127	21	m.	m.	NOUN
cana-5120	127	22	salem	salem	PROPN
cana-5120	127	23	alkhalaf	alkhalaf	PROPN
cana-5120	127	24	,	,	PUNCT
cana-5120	127	25	s.	s.	PROPN
cana-5120	127	26	,	,	PUNCT
cana-5120	127	27	lutfi	lutfi	PROPN
cana-5120	127	28	,	,	PUNCT
cana-5120	127	29	a.	a.	NOUN
cana-5120	127	30	alrahmi	alrahmi	PROPN
cana-5120	127	31	,	,	PUNCT
cana-5120	127	32	w.m	w.m	PROPN
cana-5120	127	33	.	.	PROPN
cana-5120	127	34	and	and	CCONJ
cana-5120	127	35	awad	awad	PROPN
cana-5120	127	36	,	,	PUNCT
cana-5120	127	37	a.b	a.b	PROPN
cana-5120	127	38	.	.	PROPN
cana-5120	127	39	(	(	PUNCT
cana-5120	127	40	2022	2022	NUM
cana-5120	127	41	)	)	PUNCT
cana-5120	127	42	.	.	PUNCT
cana-5120	128	1	factors	factor	NOUN
cana-5120	128	2	influencing	influence	VERB
cana-5120	128	3	the	the	DET
cana-5120	128	4	adoption	adoption	NOUN
cana-5120	128	5	of	of	ADP
cana-5120	128	6	internet	internet	NOUN
cana-5120	128	7	banking	banking	NOUN
cana-5120	128	8	:	:	PUNCT
cana-5120	128	9	an	an	DET
cana-5120	128	10	integration	integration	NOUN
cana-5120	128	11	of	of	ADP
cana-5120	128	12	issm	issm	NOUN
cana-5120	128	13	and	and	CCONJ
cana-5120	128	14	utaut	utaut	NOUN
cana-5120	128	15	with	with	ADP
cana-5120	128	16	price	price	NOUN
cana-5120	128	17	value	value	NOUN
cana-5120	128	18	and	and	CCONJ
cana-5120	128	19	perceived	perceive	VERB
cana-5120	128	20	risk	risk	NOUN
cana-5120	128	21	,	,	PUNCT
cana-5120	128	22	frontiers	frontier	NOUN
cana-5120	128	23	in	in	ADP
cana-5120	128	24	psychology,13	psychology,13	NOUN
cana-5120	128	25	,	,	PUNCT
cana-5120	128	26	1	1	NUM
cana-5120	128	27	-	-	SYM
cana-5120	128	28	19	19	NUM
cana-5120	128	29	.	.	PUNCT
cana-5120	129	1	[	[	X
cana-5120	129	2	4	4	NUM
cana-5120	129	3	]	]	X
cana-5120	129	4	asif	asif	NOUN
cana-5120	129	5	,	,	PUNCT
cana-5120	129	6	s.	s.	PROPN
cana-5120	129	7	(	(	PUNCT
cana-5120	129	8	2021	2021	NUM
cana-5120	129	9	)	)	PUNCT
cana-5120	129	10	.	.	PUNCT
cana-5120	130	1	study	study	NOUN
cana-5120	130	2	of	of	ADP
cana-5120	130	3	internet	internet	NOUN
cana-5120	130	4	banking	banking	NOUN
cana-5120	130	5	usage	usage	NOUN
cana-5120	130	6	:	:	PUNCT
cana-5120	130	7	elderly	elderly	ADJ
cana-5120	130	8	vs	vs	ADP
cana-5120	130	9	youth	youth	NOUN
cana-5120	130	10	,	,	PUNCT
cana-5120	130	11	ilkogretim	ilkogretim	ADJ
cana-5120	130	12	online	online	PROPN
cana-5120	130	13	elementary	elementary	PROPN
cana-5120	130	14	education	education	PROPN
cana-5120	130	15	online,20(6	online,20(6	PROPN
cana-5120	130	16	)	)	PUNCT
cana-5120	130	17	,	,	PUNCT
cana-5120	130	18	3086	3086	NUM
cana-5120	130	19	-	-	SYM
cana-5120	130	20	3101	3101	NUM
cana-5120	130	21	.	.	PUNCT
cana-5120	131	1	[	[	X
cana-5120	131	2	5	5	NUM
cana-5120	131	3	]	]	X
cana-5120	131	4	balakrishnan	balakrishnan	NOUN
cana-5120	131	5	and	and	CCONJ
cana-5120	131	6	bharthvajan	bharthvajan	NOUN
cana-5120	131	7	r.(2020	r.(2020	NOUN
cana-5120	131	8	)	)	PUNCT
cana-5120	131	9	.	.	PUNCT
cana-5120	132	1	the	the	DET
cana-5120	132	2	impact	impact	NOUN
cana-5120	132	3	of	of	ADP
cana-5120	132	4	e	e	NOUN
cana-5120	132	5	-	-	NOUN
cana-5120	132	6	banking	banking	ADJ
cana-5120	132	7	services	service	NOUN
cana-5120	132	8	in	in	ADP
cana-5120	132	9	india	india	PROPN
cana-5120	132	10	,	,	PUNCT
cana-5120	132	11	malaya	malaya	PROPN
cana-5120	132	12	journal	journal	PROPN
cana-5120	132	13	of	of	ADP
cana-5120	132	14	matematik	matematik	PROPN
cana-5120	132	15	,	,	PUNCT
cana-5120	132	16	2	2	NUM
cana-5120	132	17	,	,	PUNCT
cana-5120	132	18	3286	3286	NUM
cana-5120	132	19	-	-	SYM
cana-5120	132	20	3288	3288	NUM
cana-5120	132	21	[	[	X
cana-5120	132	22	6	6	NUM
cana-5120	132	23	]	]	PUNCT
cana-5120	132	24	dollinger	dollinger	NOUN
cana-5120	132	25	,	,	PUNCT
cana-5120	132	26	s.j	s.j	PROPN
cana-5120	132	27	.	.	PROPN
cana-5120	132	28	and	and	CCONJ
cana-5120	132	29	dollinge	dollinge	PROPN
cana-5120	132	30	,	,	PUNCT
cana-5120	132	31	s.m.c.(2003	s.m.c.(2003	PROPN
cana-5120	132	32	)	)	PUNCT
cana-5120	132	33	individuality	individuality	NOUN
cana-5120	132	34	in	in	ADP
cana-5120	132	35	young	young	ADJ
cana-5120	132	36	and	and	CCONJ
cana-5120	132	37	middle	middle	ADJ
cana-5120	132	38	adulthood	adulthood	NOUN
cana-5120	132	39	:	:	PUNCT
cana-5120	132	40	an	an	DET
cana-5120	132	41	autophotographic	autophotographic	ADJ
cana-5120	132	42	study	study	NOUN
cana-5120	132	43	,	,	PUNCT
cana-5120	132	44	journal	journal	NOUN
cana-5120	132	45	of	of	ADP
cana-5120	132	46	adult	adult	NOUN
cana-5120	132	47	development	development	NOUN
cana-5120	132	48	,	,	PUNCT
cana-5120	132	49	vol	vol	NOUN
cana-5120	132	50	.	.	PROPN
cana-5120	132	51	10	10	NUM
cana-5120	132	52	,	,	PUNCT
cana-5120	132	53	no	no	INTJ
cana-5120	132	54	.	.	NOUN
cana-5120	132	55	4	4	NUM
cana-5120	132	56	,	,	PUNCT
cana-5120	132	57	227	227	NUM
cana-5120	132	58	-	-	SYM
cana-5120	132	59	236	236	NUM
cana-5120	132	60	.	.	PUNCT
cana-5120	133	1	[	[	X
cana-5120	133	2	7	7	NUM
cana-5120	133	3	]	]	X
cana-5120	133	4	funmilola	funmilola	NOUN
cana-5120	133	5	,	,	PUNCT
cana-5120	133	6	o.	o.	PROPN
cana-5120	133	7	o.	o.	PROPN
cana-5120	133	8	&	&	CCONJ
cana-5120	133	9	tolulope	tolulope	PROPN
cana-5120	133	10	a.	a.	PROPN
cana-5120	133	11	a.	a.	PROPN
cana-5120	133	12	,(2020	,(2020	PUNCT
cana-5120	133	13	)	)	PUNCT
cana-5120	133	14	.	.	PUNCT
cana-5120	134	1	digital	digital	ADJ
cana-5120	134	2	inclusion	inclusion	NOUN
cana-5120	134	3	and	and	CCONJ
cana-5120	134	4	the	the	DET
cana-5120	134	5	elderly	elderly	ADJ
cana-5120	134	6	:	:	PUNCT
cana-5120	134	7	the	the	DET
cana-5120	134	8	case	case	NOUN
cana-5120	134	9	of	of	ADP
cana-5120	134	10	internet	internet	NOUN
cana-5120	134	11	banking	banking	NOUN
cana-5120	134	12	use	use	NOUN
cana-5120	134	13	and	and	CCONJ
cana-5120	134	14	non	non	ADJ
cana-5120	134	15	-	-	NOUN
cana-5120	134	16	use	use	NOUN
cana-5120	134	17	among	among	ADP
cana-5120	134	18	older	old	ADJ
cana-5120	134	19	adults	adult	NOUN
cana-5120	134	20	in	in	ADP
cana-5120	134	21	ekiti	ekiti	PROPN
cana-5120	134	22	state	state	PROPN
cana-5120	134	23	,	,	PUNCT
cana-5120	134	24	nigeria	nigeria	PROPN
cana-5120	134	25	,	,	PUNCT
cana-5120	134	26	covenant	covenant	ADJ
cana-5120	134	27	journal	journal	PROPN
cana-5120	134	28	of	of	ADP
cana-5120	134	29	business	business	PROPN
cana-5120	134	30	&	&	CCONJ
cana-5120	134	31	social	social	PROPN
cana-5120	134	32	sciences	sciences	PROPN
cana-5120	134	33	(	(	PUNCT
cana-5120	134	34	cjbss	cjbss	NOUN
cana-5120	134	35	)	)	PUNCT
cana-5120	134	36	,	,	PUNCT
cana-5120	134	37	11(1	11(1	NUM
cana-5120	134	38	)	)	PUNCT
cana-5120	134	39	20	20	NUM
cana-5120	134	40	-	-	SYM
cana-5120	134	41	47	47	NUM
cana-5120	134	42	.	.	PUNCT
cana-5120	135	1	[	[	X
cana-5120	135	2	8	8	NUM
cana-5120	135	3	]	]	X
cana-5120	135	4	kaur	kaur	NOUN
cana-5120	135	5	,	,	PUNCT
cana-5120	135	6	n.	n.	PROPN
cana-5120	135	7	,	,	PUNCT
cana-5120	135	8	pathak	pathak	PROPN
cana-5120	135	9	,	,	PUNCT
cana-5120	135	10	a.	a.	PROPN
cana-5120	135	11	,	,	PUNCT
cana-5120	135	12	kaur	kaur	PROPN
cana-5120	135	13	,	,	PUNCT
cana-5120	135	14	p.(2015	p.(2015	PROPN
cana-5120	135	15	)	)	PUNCT
cana-5120	135	16	.	.	PUNCT
cana-5120	136	1	online	online	ADJ
cana-5120	136	2	banking	banking	NOUN
cana-5120	136	3	on	on	ADP
cana-5120	136	4	e	e	NOUN
cana-5120	136	5	-	-	NOUN
cana-5120	136	6	commerce	commerce	NOUN
cana-5120	136	7	in	in	ADP
cana-5120	136	8	india	india	PROPN
cana-5120	136	9	,	,	PUNCT
cana-5120	136	10	international	international	ADJ
cana-5120	136	11	journal	journal	NOUN
cana-5120	136	12	of	of	ADP
cana-5120	136	13	engineering	engineering	NOUN
cana-5120	136	14	research	research	NOUN
cana-5120	136	15	and	and	CCONJ
cana-5120	136	16	applications,5(4	applications,5(4	NOUN
cana-5120	136	17	)	)	PUNCT
cana-5120	136	18	,	,	PUNCT
cana-5120	136	19	39	39	NUM
cana-5120	136	20	-	-	SYM
cana-5120	136	21	49	49	NUM
cana-5120	136	22	.	.	PUNCT
cana-5120	137	1	[	[	X
cana-5120	137	2	9	9	NUM
cana-5120	137	3	]	]	X
cana-5120	137	4	khan	khan	PROPN
cana-5120	137	5	,	,	PUNCT
cana-5120	137	6	m.	m.	NOUN
cana-5120	137	7	s.	s.	PROPN
cana-5120	137	8	,	,	PUNCT
cana-5120	137	9	mahapatra	mahapatra	PROPN
cana-5120	137	10	,	,	PUNCT
cana-5120	137	11	s.	s.	PROPN
cana-5120	137	12	s.	s.	PROPN
cana-5120	137	13	and	and	CCONJ
cana-5120	137	14	sreekumar	sreekumar	PROPN
cana-5120	137	15	,	,	PUNCT
cana-5120	137	16	n.	n.	NOUN
cana-5120	137	17	(	(	PUNCT
cana-5120	137	18	2009	2009	NUM
cana-5120	137	19	)	)	PUNCT
cana-5120	137	20	.	.	PUNCT
cana-5120	137	21	service	service	NOUN
cana-5120	137	22	quality	quality	NOUN
cana-5120	137	23	evaluation	evaluation	NOUN
cana-5120	137	24	in	in	ADP
cana-5120	137	25	internet	internet	NOUN
cana-5120	137	26	banking	banking	NOUN
cana-5120	137	27	:	:	PUNCT
cana-5120	137	28	an	an	DET
cana-5120	137	29	empirical	empirical	ADJ
cana-5120	137	30	study	study	NOUN
cana-5120	137	31	in	in	ADP
cana-5120	137	32	india	india	PROPN
cana-5120	137	33	,	,	PUNCT
cana-5120	137	34	international	international	PROPN
cana-5120	137	35	journal	journal	PROPN
cana-5120	137	36	indian	indian	PROPN
cana-5120	137	37	culture	culture	NOUN
cana-5120	137	38	and	and	CCONJ
cana-5120	137	39	business	business	NOUN
cana-5120	137	40	management,2(1	management,2(1	PROPN
cana-5120	137	41	)	)	PUNCT
cana-5120	137	42	,	,	PUNCT
cana-5120	137	43	30	30	NUM
cana-5120	137	44	-	-	SYM
cana-5120	137	45	46	46	NUM
cana-5120	137	46	.	.	PUNCT
cana-5120	138	1	[	[	X
cana-5120	138	2	10	10	NUM
cana-5120	138	3	]	]	X
cana-5120	138	4	lee	lee	PROPN
cana-5120	138	5	e.	e.	PROPN
cana-5120	138	6	j.	j.	PROPN
cana-5120	138	7	,	,	PUNCT
cana-5120	138	8	kwon	kwon	PROPN
cana-5120	138	9	k.	k.	PROPN
cana-5120	138	10	n	n	CCONJ
cana-5120	138	11	,	,	PUNCT
cana-5120	138	12	and	and	CCONJ
cana-5120	138	13	schumann	schumann	PROPN
cana-5120	138	14	,	,	PUNCT
cana-5120	138	15	d.w	d.w	PROPN
cana-5120	138	16	.	.	PUNCT
cana-5120	139	1	(	(	PUNCT
cana-5120	139	2	2005	2005	NUM
cana-5120	139	3	)	)	PUNCT
cana-5120	139	4	segmenting	segment	VERB
cana-5120	139	5	the	the	DET
cana-5120	139	6	non	non	ADJ
cana-5120	139	7	-	-	ADJ
cana-5120	139	8	adopter	adopter	ADJ
cana-5120	139	9	category	category	NOUN
cana-5120	139	10	in	in	ADP
cana-5120	139	11	the	the	DET
cana-5120	139	12	diffusion	diffusion	NOUN
cana-5120	139	13	of	of	ADP
cana-5120	139	14	internet	internet	NOUN
cana-5120	139	15	banking	banking	NOUN
cana-5120	139	16	,	,	PUNCT
cana-5120	139	17	international	international	ADJ
cana-5120	139	18	journal	journal	NOUN
cana-5120	139	19	of	of	ADP
cana-5120	139	20	bank	bank	PROPN
cana-5120	139	21	marketing	marketing	NOUN
cana-5120	139	22	,	,	PUNCT
cana-5120	139	23	23(5):414	23(5):414	NUM
cana-5120	139	24	-	-	SYM
cana-5120	139	25	437	437	NUM
cana-5120	139	26	.	.	PUNCT
cana-5120	140	1	[	[	X
cana-5120	140	2	11	11	NUM
cana-5120	140	3	]	]	PUNCT
cana-5120	140	4	pfeil	pfeil	NOUN
cana-5120	140	5	,	,	PUNCT
cana-5120	140	6	u.	u.	PROPN
cana-5120	140	7	,	,	PUNCT
cana-5120	140	8	arjan	arjan	PROPN
cana-5120	140	9	,	,	PUNCT
cana-5120	140	10	r.	r.	PROPN
cana-5120	140	11	,zaphiris	,zaphiris	PROPN
cana-5120	140	12	,	,	PUNCT
cana-5120	140	13	p.	p.	PROPN
cana-5120	140	14	,(2009).age	,(2009).age	PUNCT
cana-5120	140	15	differences	difference	NOUN
cana-5120	140	16	in	in	ADP
cana-5120	140	17	online	online	ADJ
cana-5120	140	18	social	social	ADJ
cana-5120	140	19	networking	networking	NOUN
cana-5120	140	20	–	–	PUNCT
cana-5120	140	21	a	a	DET
cana-5120	140	22	study	study	NOUN
cana-5120	140	23	of	of	ADP
cana-5120	140	24	user	user	NOUN
cana-5120	140	25	profiles	profile	NOUN
cana-5120	140	26	and	and	CCONJ
cana-5120	140	27	the	the	DET
cana-5120	140	28	social	social	ADJ
cana-5120	140	29	capital	capital	NOUN
cana-5120	140	30	divide	divide	NOUN
cana-5120	140	31	among	among	ADP
cana-5120	140	32	teenagers	teenager	NOUN
cana-5120	140	33	and	and	CCONJ
cana-5120	140	34	older	old	ADJ
cana-5120	140	35	users	user	NOUN
cana-5120	140	36	in	in	ADP
cana-5120	140	37	myspace	myspace	PROPN
cana-5120	140	38	,	,	PUNCT
cana-5120	140	39	elsevier,25(3),643	elsevier,25(3),643	NOUN
cana-5120	140	40	-	-	PUNCT
cana-5120	140	41	654	654	NUM
cana-5120	140	42	.	.	PUNCT
cana-5120	141	1	[	[	X
cana-5120	141	2	12	12	NUM
cana-5120	141	3	]	]	X
cana-5120	141	4	rammaiya	rammaiya	NOUN
cana-5120	141	5	,	,	PUNCT
cana-5120	141	6	v.	v.	PROPN
cana-5120	141	7	and	and	CCONJ
cana-5120	141	8	prakash	prakash	PROPN
cana-5120	141	9	,	,	PUNCT
cana-5120	141	10	g.(2019	g.(2019	PROPN
cana-5120	141	11	)	)	PUNCT
cana-5120	141	12	.	.	PUNCT
cana-5120	142	1	kap	kap	NOUN
cana-5120	142	2	study	study	NOUN
cana-5120	142	3	of	of	ADP
cana-5120	142	4	e	e	NOUN
cana-5120	142	5	-	-	NOUN
cana-5120	142	6	banking	banking	NOUN
cana-5120	142	7	in	in	ADP
cana-5120	142	8	indore	indore	NOUN
cana-5120	142	9	,	,	PUNCT
cana-5120	142	10	amity	amity	NOUN
cana-5120	142	11	journal	journal	NOUN
cana-5120	142	12	of	of	ADP
cana-5120	142	13	management	management	NOUN
cana-5120	142	14	amity	amity	NOUN
cana-5120	142	15	business	business	NOUN
cana-5120	142	16	school	school	NOUN
cana-5120	142	17	,	,	PUNCT
cana-5120	142	18	7(1	7(1	NUM
cana-5120	142	19	)	)	PUNCT
cana-5120	142	20	,	,	PUNCT
cana-5120	142	21	13	13	NUM
cana-5120	142	22	-	-	SYM
cana-5120	142	23	21	21	NUM
cana-5120	142	24	.	.	PUNCT
cana-5120	143	1	[	[	X
cana-5120	143	2	13	13	NUM
cana-5120	143	3	]	]	SYM
cana-5120	143	4	raza	raza	PROPN
cana-5120	143	5	,	,	PUNCT
cana-5120	143	6	s.	s.	PROPN
cana-5120	143	7	a.	a.	PROPN
cana-5120	143	8	,	,	PUNCT
cana-5120	143	9	jawaid	jawaid	PROPN
cana-5120	143	10	,	,	PUNCT
cana-5120	143	11	s.	s.	PROPN
cana-5120	143	12	t.	t.	PROPN
cana-5120	143	13	,	,	PUNCT
cana-5120	143	14	&	&	CCONJ
cana-5120	143	15	hassan	hassan	PROPN
cana-5120	143	16	,	,	PUNCT
cana-5120	143	17	a.	a.	PROPN
cana-5120	143	18	(	(	PUNCT
cana-5120	143	19	2015	2015	NUM
cana-5120	143	20	)	)	PUNCT
cana-5120	143	21	.	.	PUNCT
cana-5120	144	1	internet	internet	NOUN
cana-5120	144	2	banking	banking	NOUN
cana-5120	144	3	and	and	CCONJ
cana-5120	144	4	customer	customer	NOUN
cana-5120	144	5	satisfaction	satisfaction	NOUN
cana-5120	144	6	in	in	ADP
cana-5120	144	7	pakistan	pakistan	PROPN
cana-5120	144	8	.	.	PUNCT
cana-5120	145	1	qualitative	qualitative	ADJ
cana-5120	145	2	research	research	NOUN
cana-5120	145	3	in	in	ADP
cana-5120	145	4	financial	financial	ADJ
cana-5120	145	5	markets	market	NOUN
cana-5120	145	6	,	,	PUNCT
cana-5120	145	7	7(1	7(1	NUM
cana-5120	145	8	)	)	PUNCT
cana-5120	145	9	,	,	PUNCT
cana-5120	145	10	24–36	24–36	NUM
cana-5120	145	11	.	.	PUNCT
cana-5120	146	1	[	[	X
cana-5120	146	2	14	14	NUM
cana-5120	146	3	]	]	X
cana-5120	146	4	tasmin	tasmin	X
cana-5120	146	5	.	.	PUNCT
cana-5120	147	1	r	r	NOUN
cana-5120	147	2	,	,	PUNCT
cana-5120	147	3	aliyu	aliyu	NOUN
cana-5120	147	4	,	,	PUNCT
cana-5120	147	5	a.	a.	NOUN
cana-5120	147	6	a.	a.	PROPN
cana-5120	147	7	and	and	CCONJ
cana-5120	147	8	takala	takala	PROPN
cana-5120	147	9	,	,	PUNCT
cana-5120	147	10	j.	j.	PROPN
cana-5120	147	11	(	(	PUNCT
cana-5120	147	12	2012	2012	NUM
cana-5120	147	13	)	)	PUNCT
cana-5120	147	14	a	a	DET
cana-5120	147	15	review	review	NOUN
cana-5120	147	16	of	of	ADP
cana-5120	147	17	the	the	DET
cana-5120	147	18	influence	influence	NOUN
cana-5120	147	19	of	of	ADP
cana-5120	147	20	electronic	electronic	ADJ
cana-5120	147	21	banking	banking	NOUN
cana-5120	147	22	services	service	NOUN
cana-5120	147	23	on	on	ADP
cana-5120	147	24	customer	customer	NOUN
cana-5120	147	25	service	service	NOUN
cana-5120	147	26	delivery	delivery	NOUN
cana-5120	147	27	:	:	PUNCT
cana-5120	147	28	successes	success	NOUN
cana-5120	147	29	and	and	CCONJ
cana-5120	147	30	challenges	challenge	NOUN
cana-5120	147	31	,	,	PUNCT
cana-5120	147	32	australian	australian	ADJ
cana-5120	147	33	journal	journal	NOUN
cana-5120	147	34	of	of	ADP
cana-5120	147	35	basic	basic	ADJ
cana-5120	147	36	and	and	CCONJ
cana-5120	147	37	applied	apply	VERB
cana-5120	147	38	sciences	science	NOUN
cana-5120	147	39	6(13	6(13	NUM
cana-5120	147	40	):	):	PUNCT
cana-5120	147	41	80	80	NUM
cana-5120	147	42	-	-	SYM
cana-5120	147	43	85	85	NUM
cana-5120	147	44	.	.	PUNCT
cana-5120	148	1	[	[	X
cana-5120	148	2	15	15	NUM
cana-5120	148	3	]	]	X
cana-5120	148	4	suh	suh	PROPN
cana-5120	148	5	,	,	PUNCT
cana-5120	148	6	b.	b.	PROPN
cana-5120	148	7	and	and	CCONJ
cana-5120	148	8	han	han	PROPN
cana-5120	148	9	,	,	PUNCT
cana-5120	148	10	i.	i.	PROPN
cana-5120	148	11	,	,	PUNCT
cana-5120	148	12	(	(	PUNCT
cana-5120	148	13	2002).effect	2002).effect	NUM
cana-5120	148	14	of	of	ADP
cana-5120	148	15	trust	trust	NOUN
cana-5120	148	16	on	on	ADP
cana-5120	148	17	customer	customer	NOUN
cana-5120	148	18	acceptance	acceptance	NOUN
cana-5120	148	19	of	of	ADP
cana-5120	148	20	internet	internet	NOUN
cana-5120	148	21	banking	banking	NOUN
cana-5120	148	22	,	,	PUNCT
cana-5120	148	23	electronic	electronic	ADJ
cana-5120	148	24	commerce	commerce	NOUN
cana-5120	148	25	research	research	NOUN
cana-5120	148	26	and	and	CCONJ
cana-5120	148	27	application,1(3),247	application,1(3),247	PROPN
cana-5120	148	28	-	-	PROPN
cana-5120	148	29	263	263	NUM
cana-5120	148	30	.	.	PUNCT
cana-5120	149	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-5120	149	2	https://www.researchgate.net/scientific-contributions/kyoung-nan-kwon-2196461451	https://www.researchgate.net/scientific-contributions/kyoung-nan-kwon-2196461451	ADV
cana-5120	149	3	https://www.researchgate.net/profile/david-schumann-2	https://www.researchgate.net/profile/david-schumann-2	ADV
cana-5120	149	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	ADV